evwl©K cÖwZ‡e`bg‡nv`q, evsjv‡`k e¨vsK AW©vi 1972 (wc, I b¤^i 127) Gi 40(2) b¤^i aviv Ab...
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Transcript of evwl©K cÖwZ‡e`bg‡nv`q, evsjv‡`k e¨vsK AW©vi 1972 (wc, I b¤^i 127) Gi 40(2) b¤^i aviv Ab...
evwl©K cÖwZ‡e`b(RyjvB 2014-Ryb 2015)
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W. mvw`K Avn‡g` cwiPvjK
Aa¨vcK nvbœvbv †eMg cwiPvjK
Rbve †gvt †Mvjvg †nvmvBb cwiPvjK
W. Gg. Avmjvg Avjg cwiPvjK
Rbve gvneye Avn¤§`* cwiPvjK
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Awdmmgyn I Awdm cÖavbMY*
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* 30 Ryb 2015 Zvwi‡L|** Kv‡iÝx Awdmvi|@ = Pzw³wfwËK|
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evsjv‡`k e¨vs‡K Zdwmwj e¨vsKmg~‡ni bM` Rgv msi¶Y Avek¨KZv (CRR) Zdwmwj e¨vsKmg~‡ni Zij m¤ú` msi¶Y Avek¨KZv (SLR) e¨vsK †iU AvgvbZ I AvMv‡gi Ici my‡`i nvi
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M.2. Avw_©K cÖwZôvbmg~‡ni K‡c©v‡iU mykvmb M.3. m¤ú‡`i †kÖwYweb¨vm I cÖwfkwbs M.4. FY cybtZdwmwjKi‡Yi bxwZgvjv M.5. gyL¨ SzuwK e¨e¯’vcbv M.6. †÷ªm †Uw÷s
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O. Avw_©K cÖwZôvbmg~‡ni Rb¨ Cost of Fund Index
Avw_©K evRvi
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100 100 101 102 102 102 103 103 104 104 104 104
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110
110 110 110 111 111
xvii
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111 111 111 111 112 112 112 112 112 112 112
114 114
115
115 115 115 116 116 116 116 116 116 116 117 117 117 117 117 118 118 118 119
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xviii
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1.1 wek¦ A_©bxwZi cÖe„w× 2015 m‡b kZKiv 3.1 fvM n‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q, hv 2014 m‡bi cÖK…Z cÖe„w× kZKiv 3.4 fvM †_‡K mvgvb¨ Kg (AvBGgGd Gi me©‡kl Iqvì© B‡KvbwgK AvDUjyK, WEO A‡±vei 2015)| hv‡nvK, DbœZ A_©bxwZi †`k¸‡jvi cwiwgZ cybiæ×vi Ges D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jvi D”PZi cÖe„w× m¤¢vebvi Av‡jv‡K wek¦ A_©bxwZi cÖe„w× 2016 m‡b kZKiv 3.6 fvM n‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| DbœZ A_©bxwZi †`k¸‡jv‡Z cÖe„w× 2015 m‡b kZKiv 2.0 fvM Ges 2016 m‡b Zv e„w× †c‡q kZKiv 2.2 fv‡M `uvov‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| hv‡nvK, D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv‡Z 2015 m‡b cÖe„w× kZKiv 4.0 fvM, hv 2014 m‡bi †_‡K 0.6 cv‡m©‡›UR c‡q›U Kg, Ges 2016 m‡b e„w× †c‡q kZKiv 4.5 fvM n‡e e‡j c~e©vfvm Kiv n‡q‡Q|
1.2 wb¤œ R¡vjvwb g~j¨, D”P Kg©ms¯’vb, A_© mnRxKiY, D”P wewb‡qvM BZ¨vw`i mnvqZvq gvwK©b hy³ivóª Ges †mBmv‡_ BD‡iv A‡ji A_©‰bwZK Kg©Kv‡Ði μgvMZ MwZ mÂq Ges Rvcv‡bi A_©bxwZ abvZ¥K cÖe„w× c‡_i w`‡K cybiæÌvb DbœZ A_©bxwZi †`k¸‡jvi cwiwgZ cÖe„w×i c~e©vfvm‡K cÖwZdwjZ K‡i| gvwK©b hy³iv‡óªi cÖe„w×i nvi 2014 m‡bi kZKiv 2.4 fvM †_‡K e„w× †c‡q 2015 m‡b kZKiv 2.6 fvM Ges 2016 m‡b kZKiv 2.8 fv‡M uvov‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| Af¨šÍixY Pvwn`v e„w×i gva¨‡g BD‡iv A‡j A_©‰bwZK cybiæ×v‡ii m¤¢vebv mv‡_ hyw³msMZ e‡j g‡b nq Ges cÖe„w× 2015 m‡b kZKiv 1.5 fvM Ges 2016 m‡b kZKiv 1.6 fv‡M `uvov‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q| Rvcv‡bi A_©‰bwZK
cÖe„w× 2014 m‡bi kZKiv FYvZ¥K 0.1 fvM n‡Z 2015 m‡b kZKiv 0.6 fvM Ges 2016 m‡b kZKiv 1.0 fv‡M `uvov‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q|
1.3 wb¤œ cY¨ g~j¨, gš’i g~jab AšÍtcÖevn, wKQz msL¨K †`‡k wb‡lavÁv I msNl© Ges Px‡bi cÖe„w×i μgvMZ cZ‡bi d‡j D`xqgvb Ges Dbœqbkxj A_©bxwZi †`k¸‡jv‡Z 2015 m‡b cÖe„w× n«vm cv‡e
mviYx 1.1 wek¦ A_©‰bwZK „k¨cU m¤¢vebvi cÖ‡ÿc‡Yi mswÿß wPÎ (evwl©K kZKiv cwieZ©b)
2013 2014cÖ‡ÿcY
2015 2016wek¦ Drcv`b DbœZ A_©bxwZi †`k¸‡jv hy³ivóª BD‡iv AÂj Rvgv©wb d«vÝ BZvwj †¯úb hy³ivR¨ Rvcvb KvbvWv be¨ wkívwqZ Gkxq †`k¸‡jvD`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv Gwkqvi D`xqgvb I Dbœqbkxj †`k¸‡jv Pxb Avwmqvb-5 `wÿY Gwkqv evsjv‡`k fviZ cvwK¯Ívb kÖxjsKvwek¦ evwYR¨ (`ªe¨ I †mev) Avg`vwb DbœZ A_©bxwZi †`k¸‡jv D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv ißvwb DbœZ A_©bxwZi †`k¸‡jv D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv`ªe¨g~j¨ (gvwK©b Wjv‡i) R¡vjvwb †Zj R¡vjvwb †Zj-ewnf©~Z†fv³v g~j¨ DbœZ A_©bxwZi †`k¸‡jv D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv `wÿY Gwkqv evsjv‡`k fviZ cvwK¯Ívb kÖxjsKv
3.31.11.5
-0.30.40.7
-1.7-1.21.71.62.02.25.07.07.75.1
6.06.93.77.33.3
2.05.2
2.94.4
-0.9-1.2
1.45.8
7.510.07.46.9
3.41.82.40.91.60.2
-0.41.43.0-0.12.42.84.66.87.34.6
6.37.34.07.43.3
3.43.6
3.42.9
-7.5-4.0
1.45.1
7.05.98.63.3
3.12.02.61.51.51.20.83.12.50.61.02.34.06.56.84.6
6.57.34.26.53.2
4.01.3
3.13.9
-46.4-16.9
0.35.6
6.45.44.51.7
3.62.22.81.61.61.51.32.52.21.01.72.74.56.46.34.9
6.87.54.56.54.1
4.24.4
3.44.8
-2.4-5.1
1.25.1
6.65.54.73.4
Drm t Iqvì© B‡KvbwgK AvDUjyK, A‡±vei 2015, AvBGgGd|
2
mvgwóK A_©‰bwZK MwZaviv I m¤¢vebvcÖ_g Aa¨vq
e‡j cÖZ¨vkv Kiv n‡q‡Q| hv‡nvK, 2016 m‡b wKQz †`‡k cÖe„w× wd‡i Avm‡e n‡e e‡j c~e©vfvm Kiv n‡q‡Q| Px‡bi cÖe„w× 2014 m‡bi kZKiv 7.3 fvM †_‡K n«vm †c‡q 2015 m‡b kZKiv 6.8 fvM Ges 2016 m‡b kZKiv 6.3 fvM n‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q| fvi‡Zi cÖe„w× 2015 m‡b AcwiewZ©Z _vK‡e e‡j cÖZ¨vkv Kiv n‡q‡Q Ges mv¤úªwZK bxwZ ms¯‹vi I μgea©gvb wewb‡qvM myweavi d‡j 2016 m‡b kZKiv 7.5 fv‡M uvov‡e e‡j c~e©vfvm Kiv n‡q‡Q|
1.4 DbœZ A_©bxwZi †`k¸‡jv‡Z †fv³v g~j¨ùxwZ 2014 m‡bi kZKiv 1.4 fvM †_‡K n«vm †c‡q 2015 m‡b kZKiv 0.3 fvM Ges 2016 m‡b Zv e„w× †c‡q kZKiv 1.2 fv‡M uvov‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| Ab¨w`‡K, D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv‡Z g~j¨ùxwZ 2014 m‡bi kZKiv 5.1 fvM †_‡K e„w× †c‡q 2015 m‡b kZKiv 5.6 fvM n‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| hv‡nvK, cÖZ¨vkv Kiv n‡”Q †h, †Zj Ges Ab¨vb¨ `ªe¨ g~j¨ n«v‡mi d‡j mvgwMÖK g~j¨ùxwZ 0.5 cv‡m©‡›UR c‡q›U n«vm †c‡q 2016 m‡b kZKiv 5.1 fv‡M wd‡i Avm‡e| DbœZ A_©bxwZi †`k¸‡jv‡Z †Zj Ges Ab¨vb¨ c‡Y¨i wb¤œ g~‡j¨i d‡j 2014 m‡b mvwe©K (headline) g~j¨ùxwZ n«vm cvq|
1.5 wek¦ evwY‡R¨i cÖe„w× 2014 m‡bi kZKiv 3.3 fvM †_‡K n«vm †c‡q 2015 m‡b kZKiv 3.2 fvM Ges cieZ©x‡Z 2016 m‡b e„w× †c‡q kZKiv 4.1 fvM n‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q| DbœZ A_©bxwZi †`k¸‡jv‡Z evwYR¨ fvimvg¨ 2015 Ges 2016 m‡b AebwZ n‡e e‡j cÖZ¨vkv Kiv n‡q‡Q, †h‡nZz Avg`vwb cÖe„w×i Zzjbvq ißvwb cÖe„w× nvi ye©j n‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q| DbœZ A_©bxwZi †`k¸‡jv‡Z Avg`vwb cÖe„w× 2014 m‡bi kZKiv 3.4 fvM †_‡K e„w× †c‡q 2015 m‡b kZKiv 4.0 fvM Ges cieZ©x‡Z 2016 m‡b Av‡iv e„w× †c‡q kZKiv 4.2 fv‡M uvov‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| hv‡nvK, D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv‡Z evwYR¨ fvimvg¨ 2015 Ges 2016 mv‡j DbœwZ n‡e e‡j cÖZ¨vkv Kiv n‡q‡Q, †h‡nZz Avg`vwbi cÖe„w× †_‡K ißvwb cÖe„w× kw³kvjx n‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q|
D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jv‡Z Avg`vwb cÖe„w× nvi 2014 m‡bi kZKiv 3.6 fvM †_‡K n«vm †c‡q 2015 m‡b kZKiv 1.3 fvM Ges cieZ©x‡Z Zv e„w× †c‡q 2016 m‡b kZKiv 4.4 fv‡M uvov‡e e‡j cÖ‡ÿcY Kiv n‡q‡Q| DbœZ A_©bxwZi †`k¸‡jvi ißvwb cÖe„w× 2015 I 2016 m‡b h_vμ‡g kZKiv 3.1 I 3.4 fvM Ges Aciw`‡K D`xqgvb I Dbœqbkxj †`k¸‡jv‡Z GKB mg‡q h_vμ‡g kZKiv 3.9 Ges 4.8 fvM n‡e e‡j cÖZ¨vkv Kiv n‡q‡Q|
1.6 †Møvevj dvBb¨vwÝqvj ÷¨vwewjwU wi‡cvU© (GFSR, A‡±vei 2015) Abyhvqx, Avw_©K w¯’wZkxjZv DbœZ A_©bxwZi †`k¸‡jv‡Z DbœwZ n‡q‡Q, hv kw³kvjx mvgwóK-Avw_©K cwi‡ek‡K cÖwZdwjZ Ki‡Q H mKj †`‡k †h¸‡jv A_©‰bwZK cybiæ×v‡ii m¤úªmviY, gy`ªvbxwZi Dci ewa©Z Av¯’v, Ges g~j¨ms‡KvP‡bi SzuwK n«v‡mi mv‡_ m½wZc~Y© †i‡L‡Q| hw`I A‡bK D`xqgvb A_©bxwZi †`k¸‡jv‡Z ewnt AwfNvZ mnbkxjZv e„w× †c‡q‡Q, Z_vwc wKQz ¸iæZ¡c~Y© †`k GL‡bv D‡jøL‡hvM¨ Avf¨šÍixY fvimvg¨nxbZv Ges wb¤œ cÖe„w×i m¤§yLxb n‡q‡Q| ˆewk¦K m¼‡Ui Lvivc cÖfve‡K cvk KvUv‡bvi Rb¨ wKQz D`xqgvb A_©bxwZi †`k `ªæZ FY cÖevn e„w×i Dci wbf©i K‡i‡Q| d‡j, D`xqgvb A_©bxwZi †`k¸‡jv‡Z `ye©j g~jab wfwË i‡q‡Q, †hLv‡b K‡c©v‡iU Avq Ges m¤ú‡`i gvb AebwZ nIqvq †kÖwYweb¨vwmZ FY e„w× †c‡q‡Q| D`xqgvb A_©bxwZi †`k¸‡jvi e¨vswKs e¨e¯’vi G NUbv¸‡jv DbœZ A_©bxwZi †`k¸‡jvi wecixZ, †hLv‡b e¨vsK¸‡jv w¯’wZcÎ ms‡kvab Ges FY cÖeYZv n«vm (deleverage), g~jab e„w×, Ges A_©vqb e¨e¯’v kw³kvjx Kivi Rb¨ weMZ K‡qK eQi AwZevwnZ K‡i‡Q| `ªe¨g~j¨ n«vm Ges `ye©j cÖe„wׇK †VKv‡bvi P¨v‡jÄ †gvKv‡ejvq, ga¨‡gqv‡` A‡bK D`xqgvb A_©bxwZi †`‡ki mve©‡fŠg wewb‡qvM-†MÖW †iwUs nviv‡bvi AZ¨waK SzuwK‡Z i‡q‡Q|
1.7 Iqvì© B‡KvbwgK AvDUjyK, (WEO) A‡±vei 2015 Abyhvqx, SzuwKi fvimvg¨ GL‡bv wb¤œgyLx i‡q‡Q| wb¤œ cÖe„w×, mv¤úªwZK `ªe¨g~j¨ n«vm Ges
3
mvgwóK A_©‰bwZK MwZaviv I m¤¢vebv cÖ_g Aa¨vq
K‡qK eQi `ªæZ FY cÖevn e„w×RwbZ ewa©Z FY cÖeYZvi (leverage) Kvi‡Y D`xqgvb A_©bxwZi †`k¸‡jv‡Z m¼Uvc~Y© Ges Avw_©K w¯’wZkxjZvi SzuwKi m¤¢vebv e„w× †c‡q‡Q| DbœZ A_©bxwZi †`k¸‡jv‡Z ewa©Z Avw_©K evRvi Aw¯’iZvi d‡j Avw_©K w¯’wZkxjZv AR©b P¨v‡jÄ n‡q †`Lv w`‡Z cv‡i, GKBmv‡_ K‡Vvi Avw_©K kZ© I wecixZgyLx g~jab cÖev‡ni gva¨‡g Zv D`xqgvb evRvi A_©bxwZi †`k¸‡jv‡Z Qwo‡q co‡Z cv‡i| DbœZ A_©bxwZi †`k¸‡jvi Rb¨ cÖavb ga¨‡gqvw` SzuwK n‡jv B‡Zvg‡a¨ Pjgvb wb¤œ-cÖe„w× Av‡iv K‡g ¯’weiZvi w`‡K avweZ nIqv, we‡klZ hw` wek¦e¨vcx Pvwn`v Av‡iv AwbwðZ n‡q hvq, Zvn‡j D`xqgvb I Dbœqbkxj A_©bxwZi †`k¸‡jvi cÖZ¨vkv `ye©j n‡q co‡e| Px‡bi A‡bK Kg m¤¢ve¨ cÖe„w×; A_ev Av‡iv mvaviYfv‡e wb¤œ m¤¢ve¨ cÖe„w× we¯Í…Z nIqvi d‡j D`xqgvb A_©bxwZi †`k¸‡jv‡Z ga¨‡gqvw` SzuwKi D™¢e n‡Z cv‡i|
evsjv‡`‡ki A_©bxwZi MwZaviv
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AR©‡b mnvqZv K‡i‡Q| A_©eQi 15-G km¨ I kvK-mewR Dc-Lv‡Zi wb¤œ cÖe„w×i Kvi‡Y K…wl Lv‡Z cÖe„w× c~e©eZ©x A_©eQ‡ii Zzjbvq K‡g‡Q| A_©eQi 15-G AbyK~j AvšÍR©vwZK cY¨ g~j¨ Ges myôz mvgwóK A_©‰bwZK e¨e¯’vcbvi Kvi‡Y Mo g~j¨ùxwZ‡Z wb¤œgyLx cÖeYZv eRvq wQj|
1.9 A_©eQi 15-G mZK© wKš‘ cÖe„w× mnvqK Ges wewb‡qvM evÜe gy`ªvbxwZ-†KŠkj ev¯Íevqb Kiv n‡q‡Q| g~j¨ùxwZ Pvc `~ixf~Z Kiv Ges A_©‰bwZK cÖe„wׇK mnvqZvi j‡ÿ¨ evsjv‡`k e¨vsK bxwZ nvi¸‡jv‡K (policy rate) AcwiewZ©Z †i‡L bxwZ avivevwnKZv eRvq †i‡L‡Q| A_©eQi 15-G e¨vcK gy`ªvi (Gg2) wba©vwiZ jÿ¨gvÎv kZKiv 16.5 fvM Ges A_©eQi 14-Gi cÖK…Z cÖe„w× kZKiv 16.1 fv‡Mi wecix‡Z kZKiv 12.4 fvM cÖe„w× AwR©Z nq| A_©eQi 15-G †gvU Af¨šÍixY FY A_©eQi 14-Gi kZKiv 11.6 fvM †_‡K n«vm †c‡q kZKiv 10.1 fv‡M `uvovq| †emiKvwi Lv‡Z F‡Yi cÖe„w×i nvi A_©eQi 14-G kZKiv 13.2 fv‡M uvovq hv c~e©eZ©x A_©eQ‡ii Zzjbvq mvgvb¨ †ewk wKš‘ Gi jÿ¨gvÎv kZKiv 15.5 fvM †_‡K Kg| Aciw`‡K, miKvwi Lv‡Z F‡Yi cÖe„w×i nvi A_©eQi 15-Gi wba©vwiZ jÿ¨gvÎv kZKiv 25.3 fvM cÖe„w×i wecix‡Z kZKiv FYvZ¥K 2.5 fv‡M `uvovq| wKš‘ miKvi RvZxq mÂqcÎ weμq Ges †ewk cwigv‡Y GbweAvi Ki ivR¯^ msMÖ‡ni gva¨‡g ch©vß cwigvY m¤ú` msMÖn K‡i‡Q|
1.10 cÖK…Z Kvh©Ki wewbgq nv‡ii w¯’i DcwPwZi Kvi‡Y ißvwb wKQzUv ÿwZMÖ¯Í n‡q‡Q| A_©eQi 15-G ißvwbi cÖe„w× A_©eQi 14-Gi kZKiv 12.1 fvM †_‡K n«vm †c‡q kZKiv 3.3 fv‡M uvovq wKš‘ GKB mg‡q Avg`vwb cÖe„w× kZKiv 8.9 fvM †_‡K e„w× †c‡q kZKiv 11.3 fv‡M `uvovq| ißvwbi Zzjbvq Avg`vwbi D”P cÖe„w×i Kvi‡Y evwYR¨ NvUwZ e„w× †c‡q A_©eQi 14-Gi 6794 wgwjqb gvwK©b Wjvi †_‡K A_©eQi 15-G 9917 wgwjqb gvwK©b Wjv‡i `uvovq| cÖevmx‡`i †cÖwiZ †iwgU¨vÝ A_©eQi 14-Gi kZKiv 1.5 fvM FYvZ¥K cÖe„w×i Zzjbvq e„w× †c‡q A_©eQi
4
15-G kZKiv 7.5 fv‡M `uvovq| PjwZ wnmve fvimv‡g¨ NvUwZ m‡Ë¡I mvgwMÖK †jb‡`b fvimv‡g¨ DØ„Ë eRvq wQj| A_©eQi 15 †k‡l ˆe‡`wkK gy`ªvi gRy` 25021 wgwjqb gvwK©b Wjv‡i uvovq, hv 7 gv‡mi AwaK `ªe¨ I †mevi Avg`vwb e¨q †gUv‡bvi Rb¨ AbyK‚j ch©v‡q i‡q‡Q| evsjv‡`k e¨vsK cÖ‡qvRb Abymv‡i ˆe‡`wkK gy`ªv μ‡qi gva¨‡g Af¨šÍixY ˆe‡`wkK gy`ªv evRv‡i Gi n¯Í‡ÿc Ae¨vnZ iv‡L hvi d‡j, UvKv-gvwK©b Wjvi wewbgq nvi A_©eQi 15-G w¯’wZkxj _v‡K|
cÖe„w×i MwZaviv
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1.13 A_©eQi 15-G †mev Lv‡Zi cÖe„w× A_©eQi 14-Gi kZKiv 5.6 fvM †_‡K mvgvb¨ e„w× †c‡q kZKiv 5.8 fv‡M `uvovq hv Avw_©K ga¨¯’ZvKvix cÖwZôvb; †jvK cÖkvmb I cÖwZiÿv; ¯^v¯’¨ I mvgvwRK †mev; wi‡qj G‡÷U, fvov I e¨emv Kg©KvÐ; wkÿv; †nv‡Uj I †i‡¯Íviuv; Ges KwgDwbwU, mvgvwRK I e¨w³MZ †mev DcLv‡Zi AwaK cÖe„w×i Kvi‡Y e„w× †c‡q‡Q| Z‡e, cvBKvwi I LyPiv wecYb Ges cwienb, msiÿY I †hvMv‡hvM DcLv‡Zi cÖe„w× c~e©eZ©x A_©eQ‡ii Zyjbvq K‡g‡Q| Avw_©K ga¨¯’ZvKvix cÖwZôvb DcLv‡Zi cÖe„w× A_©eQi 14-Gi kZKiv 7.3 fv‡Mi Zzjbvq A_©eQi 15-G kZKiv 8.8 fvM D‡jøL‡hvM¨ cÖe„w× AwR©Z n‡q‡Q (mviYx 1.2)|
mÂq I wewb‡qvM
1.14 †gvU w¯’i wewb‡qvM-wRwWwc AbycvZ A_©eQi 14-Gi kZKiv 28.6 fvM †_‡K mvgvb¨ e„w× †c‡q A_©eQi 15-G kZKiv 29.0 fv‡M uvovq (PvU© 1.1)| †gvU w¯’i wewb‡qv‡Mi g‡a¨, miKvwi wewb‡qvM †emiKvwi wewb‡qv‡Mi Zzjbvq `ªæZ e„w× †c‡q‡Q| dj¯^iƒc, wRwWwc-†Z miKvwi wewb‡qv‡Mi Ask A_©eQi 14-Gi kZKiv 6.6 fvM †_‡K e„w× †c‡q
mvgwóK A_©‰bwZK MwZaviv I m¤¢vebvcÖ_g Aa¨vq
mviYx 1.2 †gvU †`kR Drcv`‡bi LvZIqvix cÖe„w×i nvi (A_©eQi 06Õi w¯’i evRvi g~‡j¨ kZKiv nvi)
A_©eQi 06-15 (Mo)
A_©eQi 14m
A_©eQi 15mv
1| K…wl K) K…wl I ebR 1) km¨ I kvK-mewR 2) cï m¤ú` 3) ebR m¤ú` L) grm¨ m¤ú`2| wkí K) LwbR I Lbb L) wkí 1) e„nr I gvSvwi 2) ÿz`ª M) we`y¨r, M¨vm I cvwb mieivn N) wbg©vY3| †mev LvZ K) cvBKvwi I LyPiv evwYR¨, †gvUiMvwo/ †gvUimvB‡Kj †givgZ, M„n¯’vjx mvgMÖx L) †nv‡Uj I †i‡¯Íviuv M) cwienb, msiÿY I †hvMv‡hvM N) Avw_©K cÖvwZôvwbK †mev O) wi‡qj G‡÷U, fvov I e¨emv Kg©KvÐ P) †jvK cÖkvmb I cÖwZiÿv Q) wkÿv R) ¯^v¯’¨ I mvgvwRK †mev S) KwgDwbwU, mvgvwRK I e¨w³MZ †mevwRwWwc (A_©eQi 06Õi w¯’i evRvi g~‡j¨)
4.43.93.92.55.46.38.67.09.19.47.98.27.55.9
6.76.17.89.54.07.97.15.13.16.2
4.43.83.82.85.06.48.24.78.89.36.34.58.15.6
6.76.76.17.34.36.97.35.13.36.1
3.02.11.33.15.16.49.67.5
10.310.210.77.08.65.8
6.66.96.08.84.77.57.65.73.46.5
m = ms‡kvwaZ, mv = mvgwqK|Drm t evsjv‡`k cwimsL¨vb ey¨‡iv|
PvU© 1.1 Af¨šÍixY mÂq I wewb‡qvM
Af¨šÍixY mÂq wewb‡qvM
wRwW
wcÕi
kZKi
v nvi
05
101520253035
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i 06
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i 07
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i 08
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i 09
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i 10
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i 11
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i 12
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i 13
A_©eQ
i 14
A_©eQ
i 15
5
mvgwóK A_©‰bwZK MwZaviv I m¤¢vebv cÖ_g Aa¨vq
A_©eQi 15-G kZKiv 6.9 fv‡M uvovq Ges GKB mg‡q wRwWwc-†Z †emiKvwi wewb‡qv‡Mi Ask kZKiv 22.0 fvM †_‡K mvgvb¨ n«vm †c‡q kZKiv 22.1 fv‡M `uvovq| wRwWwcÕi Abycv‡Z RvZxq mÂq A_©eQi 14-Gi kZKiv 29.2 fvM †_‡K mvgvb¨ n«vm †c‡q A_©eQi 15-G kZKiv 29.1 fv‡M uvovq| wRwWwcÕi Abycv‡Z Af¨šÍixY mÂq A_©eQi 14-Gi kZKiv 22.1 fvM †_‡K e„w× †c‡q A_©eQi 15-G kZKiv 22.3 fv‡M `uvovq| wRwWwcÕi kZKiv wn‡m‡e Af¨šÍixY mÂq-wewb‡qv‡Mi e¨eavb A_©eQi 14-Gi kZKiv 6.5 fvM †_‡K e„w× †c‡q A_©eQi 15-G kZKiv 6.7 fv‡M uvovq|
g~j¨ cwiw¯’wZ
1.15 A_©eQi 15 †k‡l Mo g~j¨ùxwZi nvi (wfwËt A_©eQi 06=100) A_©eQi 14 †k‡li kZKiv 7.4 fvM †_‡K n«vm †c‡q kZKiv 6.4 fv‡M `uvovq| Lv`¨ g~j¨ùxwZ n«v‡mi d‡j G n«vm n‡q‡Q, hv A_©eQi 14 †k‡li kZKiv 8.6 fvM †_‡K n«vm †c‡q A_©eQi 15 †k‡l kZKiv 6.7 fv‡M `uvovq| Aciw`‡K, Lv`¨-ewnf©~Z g~j¨ùxwZ Ryb 2014 m‡bi kZKiv 5.5 fvM †_‡K μgk e„w× †c‡q Ryb 2015 †k‡l kZKiv 6.0 fv‡M `uvovq| c‡q›U-Uz-c‡q›U wfwˇZ g~j¨ùxwZI A_©eQi 14-Gi kZKiv 7.0 fvM †_‡K n«vm †c‡q A_©eQi 15-G kZKiv 6.3 fv‡M uvovq|
gy`ªv I FY cwiw¯’wZ
1.16 A_©eQi 15-G evsjv‡`k e¨vsK GKwU mZK© wKš‘ cÖe„w× mnvqK gy`ªvbxwZ MÖnY K‡i| kZKiv 6.5 fvM evwl©K Mo wmwcAvB g~j¨ùxwZi †cÖÿvc‡U kZKiv 7.3 fvM cÖK…Z wRwWwci cÖe„w× jÿ¨gvÎvi m‡½ m½wZc~Y© †i‡L A_©eQi 15-Gi gy`ªvbxwZ cwiKíbv cÖYqb Kiv n‡q‡Q| g~j¨ùxwZ‡K jÿ¨gvÎvq ivLvi D‡Ï‡k¨ evsjv‡`k e¨vsK A_©eQi 15-Gi cÖ_gva© I wØZxqva©-Dfq A‡a© mshZ gy`ªvbxwZ Aej¤^b Ae¨vnZ †i‡L‡Q Ges bxwZ nvimg~n Z_v, †i‡cv I wifvm© †i‡cv nvi h_vμ‡g kZKiv 7.25 Ges 5.25 fv‡M AcwiewZ©Z †i‡L‡Q|
1.17 A_©eQi 15-G e¨vcK gy`ªvi (Gg2) cÖe„w×i wba©vwiZ jÿ¨gvÎv kZKiv 16.5 fvM Ges A_©eQi 14-Gi cÖK…Z cÖe„w× kZKiv 16.1 fv‡Mi wecix‡Z n«vm †c‡q kZKiv 12.4 fv‡M uvovq| e¨vcK gy`ªvi wb¤œ cÖe„w× cÖavbZ Af¨šÍixY F‡Yi wb¤œ cÖe„w×i mv‡_ m¤úwK©Z| e¨vswKs LvZ †_‡K Af¨šÍixY F‡Yi cÖe„w× A_©eQi 15-G wba©vwiZ jÿ¨gvÎv kZKiv 17.4
wewjq
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PvU© 1.2 RvZxq ch©v‡q †fv³vg~j¨m~PK wfwËK g~j¨ùxwZ (12 gv‡mi Mo wfwËt A_©eQi 06=100)
kZKi
v nvi
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PvU© 1.3 Avw_©K m¤ú`
mvaviY m~PK Lv`¨ Lv`¨ ewnf‚©Z
02468
1012
A_©eQi 12 A_©eQi 13 A_©eQi 14 A_©eQi 15
0
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20
30
40
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60
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i 14
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-2,000
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2,000
4,000
6,000
8,000
10,000
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i 06
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i 08
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mvgwóK A_©‰bwZK MwZaviv I m¤¢vebvcÖ_g Aa¨vq
fvM Ges A_©eQi 14-Gi cÖK…Z cÖe„w× kZKiv 11.6 fv‡Mi wecix‡Z n«vm †c‡q kZKiv 10.1 fv‡M `uvovq| wewfbœ Kvi‡Y wewb‡qv‡Mi wb¤œ Pvwn`vi d‡j Af¨šÍixY F‡Yi cÖe„w× n«vm cvq| A_©eQi 15-G miKvwi Lv‡Z F‡Yi cÖe„w× kZKiv FYvZ¥K 2.5 fv‡M uvovq, hv A_©eQi 15-Gi wba©vwiZ jÿ¨gvÎv kZKiv 25.3 fvM Ges A_©eQi 14-Gi cÖK…Z cÖe„w× kZKiv 8.8 fv‡Mi Zzjbvq A‡bK Kg| A_©eQi 15-G †emiKvwi Lv‡Z F‡Yi cÖe„w× A_©eQi 14-Gi kZKiv 12.3 fvM †_‡K cwiwgZfv‡e e„w× †c‡q Gi wba©vwiZ jÿ¨gvÎv kZKiv 15.5 fv‡Mi wecix‡Z kZKiv 13.2 fv‡M uvovq| Z`bymv‡i, A_©eQi 15-G wbU Af¨šÍixY m¤ú‡`i (NDA) cÖe„w× nvi Gi wba©vwiZ jÿ¨gvÎv kZKiv 20.2 fvM Ges A_©eQi 14-Gi cÖK…Z cÖe„w× kZKiv 11.0 fv‡Mi wecix‡Z n«vm †c‡q kZKiv 10.0 fv‡M `uvovq| e¨vswKs Lv‡Zi wbU ˆe‡`wkK m¤ú‡`i (NFA) cÖe„w× A_©eQi 15-G kZKiv 20.7 fvM e„w× cvq, hv Gi wba©vwiZ jÿ¨gvÎv kZKiv 3.6 fvM †_‡K †ewk wKš‘ c~e©eZx© A_©eQ‡ii cÖK…Z cÖe„w× kZKiv 38.6 fv‡Mi Zzjbvq Kg| D”P Avg`vwb cÖe„w×i Zyjbvq wb¤œ ißvwb cÖe„w×i Kvi‡Y A_©eQi 14-Gi Zzjbvq A_©eQi 15-G e¨vswKs Lv‡Zi wbU ˆe‡`wkK m¤ú‡`i (NFA) cÖe„w× n«vm cvq| wiRvf© gy`ªv (RM) A_©eQi 15-G kZKiv 14.3 fvM e„w× cvq, hv cÖv°wjZ cÖe„w× nvi kZKiv 15.8 fvM Ges A_©eQi 14-Gi cÖK…Z cÖe„w× kZKiv 15.4 fvM †_‡K Kg|
1.18 gy`ªvi AvqMwZ (income velocity of money) A_©eQi 14-Gi 1.93 †_‡K mvgvb¨ n«vm †c‡q A_©eQi 15-G 1.92 G `uvovq, hv A_©bxwZi Avw_©K MfxiZv (financial deepening) wb‡`©k K‡i|
1.19 e¨vsK AvMvg I Avgvb‡Zi Ici cÖ‡`q my‡`i fvixZ Mo nvi A_©eQi 14 †k‡li h_vμ‡g kZKiv 13.1 I 7.8 fvM †_‡K n«vm †c‡q A_©eQi 15 †k‡l kZKiv 11.7 I 6.8 fv‡M `uvovq| GKB mg‡q G yÕ†qi we¯ÍviI (spread) mvgvb¨ n«vm †c‡q kZKiv 5.3 fvM †_‡K kZKiv 4.9 fv‡M `uvovq| Af¨šÍixY F‡Yi gš’i Pvwn`v Ges Gi wKQz Ask
we‡`wk F‡Yi gva¨‡g c~i‡Yi d‡j Avgvb‡Zi Ici cÖ‡`q my‡`i nvi n«vm cvq|
miKvwi A_©ms¯’vb
1.20 ivR¯^ msMÖn †Rvi`viKi‡Yi cvkvcvwk miKvwi e¨q wbqš¿‡Yi gva¨‡g ivR¯^ msKyjvb ¯’vb (Fiscal Space) we¯Í…Z Kivi j‡ÿ¨ miKvi e¨vcK cÖwewaMZ Ges KvVv‡gvMZ ivR¯^ m¤úwK©Z c`‡ÿc MÖnY K‡i‡Q|
1.21 mvwe©K ev‡RU NvUwZ (ˆe‡`wkK Aby`vb e¨ZxZ) wRwWwcÕi kZKiv wn‡m‡e A_©eQi 14-Gi 3.6 fvM †_‡K e„w× †c‡q A_©eQi 15-G 5.0 fv‡M `uvovq| hv‡nvK, ev‡RU NvUwZi Af¨šÍixY A_©vqb A_©eQi 14-Gi wRwWwcÕi kZKiv 2.8 fvM †_‡K
wRwW
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ivR¯^ e¨qivR¯^ AvqivR¯^ DØ„Ë mvwe©K ev‡RU NvUwZ
PvU© 1.5 ivR¯^ Avq, ivR¯^ e¨q, ivR¯^ DØ„Ë Ges mvwe©K ev‡RU NvUwZ
PvU© 1.6 ev‡RU NvUwZ A_©vqbwR
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02468
1012
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7
mvgwóK A_©‰bwZK MwZaviv I m¤¢vebv cÖ_g Aa¨vq
mvgvb¨ e„w× †c‡q A_©eQi 15-G wRwWwcÕi kZKiv 3.6 fv‡M `uvovq|
1.22 A_©eQi 15-G †gvU ivR‡¯^i cÖe„w× A_©eQi 14-Gi kZKiv 9.6 fvM †_‡K e„w× †c‡q kZKiv 16.4 fv‡M uvovq| dj¯^iƒc, ivR¯^-wRwWwc AbycvZ GKB mg‡q kZKiv 10.5 fvM †_‡K e„w× †c‡q kZKiv 10.8 fv‡M uvovq|
1.23 miKvwi e¨q A_©eQi 14-Gi wRwWwcÕi kZKiv 14.0 fvM †_‡K e„w× †c‡q A_©eQi 15-G kZKiv 15.8 fv‡M uvovq| A_©eQi 15-G miKvwi e¨‡qi cÖe„w× A_©eQi 14-Gi kZKiv 8.2 fv‡Mi Zzjbvq kZKiv 27.3 fvM e„w× cvq| A_©eQi 15-G PjwZ e¨q wRwWwcÕi kZKiv 8.4 fv‡M uvovq, hv A_©eQi 14-G kZKiv 8.2 fvM wQj|
ˆe‡`wkK LvZ
1.24 A_©eQi 15-G ißvwb Av‡qi (Bwc‡RW mn) cÖe„w× Ae¨vnZ _v‡K hv A_©eQi 14-Gi 29777 wgwjqb gvwK©b Wjvi †_‡K e„w× †c‡q 30768 wgwjqb gvwK©b Wjv‡i uvovq| GKB mg‡q, †gvU Avg`vwb e¨q 36571 wgwjqb gvwK©b Wjvi †_‡K e„w× †c‡q 40685 wgwjqb gvwK©b Wjv‡i uvovq| evwYR¨ NvUwZ A_©eQi 14-Gi 6794 wgwjqb gvwK©b Wjvi †_‡K e„w× †c‡q A_©eQi 15-G 9917 wgwjqb gvwK©b Wjv‡i `uvovq| cÖv_wgK Avq I gva¨wgK (secondary) Avqmn †mev Ges Avq wnmv‡e 8271 wgwjqb gvwK©b Wjvi DØ„Ë nq| A_©eQi 15-G PjwZ wnmve fvimv‡g¨ 1645 wgwjqb gvwK©b Wjvi NvUwZ nq, hv A_©eQi 14-G 1406 wgwjqb gvwK©b Wjvi DØ„Ë wQj| A_©eQi 15-G g~jabx I Avw_©K wnmv‡e DØ„Ë Ae¨vnZ _v‡K hv A_©eQi 14-Gi 3453 wgwjqb gvwK©b Wjvi †_‡K 5791 wgwjqb gvwK©b Wjv‡i uvovq| mvwe©K †jb‡`b fvimvg¨ A_©eQi 15-G 4373 wgwjqb gvwK©b Wjv‡i `uvovq, hv A_©eQi 14-G 5483 wgwjqb gvwK©b Wjvi wQj| †gvU ˆe‡`wkK gy`ªv gRy‡`i cwigvY A_©eQi 15 †k‡l 25021 wgwjqb gvwK©b Wjv‡i uvovq, hv 7.4 gv‡mi Avg`vwb e¨q †gUv‡Z mÿg|
1.25 A_©eQi 15-G ißvwb Av‡qi cÖe„w× K‡g A_©eQi 14-Gi kZKiv 12.1 fvM †_‡K kZKiv 3.3 fv‡M uvovq| GKB mg‡q, wRwWwcÕi kZKiv wn‡m‡e ißvwb AvqI 17.2 fvM †_‡K n«vm †c‡q 15.8 fv‡M `uvovq| ZvgvK, ivmvqwbK `ªe¨, cøvw÷K mvgMÖx,
PvU© 1.7 ißvwb I Avg`vwb cÖe„w×
kZKi
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PvU© 1.9 wbqvi, wiqvi Ges UvKv-Wjvi wewbgq nv‡ii mv¤úªwZK MwZaviv (wfwËt A_©eQi 11=100, 10 gy`ªv Szwo)
wbqv
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wbqvi wiqvi wewbgq nvi
02468
101214
A_©eQi 12 A_©eQi 13 A_©eQi 14 A_©eQi 15
5565758595
105115125135
A_©eQi 11 A_©eQi 12 A_©eQi 13 A_©eQi 14 A_©eQi 15
5565758595
105115125135145
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8
cvURvZ `ªe¨mvgMÖx, wbUIq¨vi cY¨, I‡fb †cvkvK cwi”Q`, †nvg †U·UvBj, cv yKv Ges cÖ‡KŠkj c‡Y¨i ißvwb abvZ¥K cÖe„w× AR©b K‡i‡Q; Z‡e wKQz ißvwb cY¨, †hgb-gvQ, wPswo, kvKmewR, KvU d¬vIqvi, djg~j, †c‡Uªvwjqvg DcRvZ, Pvgov, Zzjv I ZzjvRvZ mvgMÖx, KuvPv cvU Ges †¯úkvjvBRW †U·UvBj c‡Y¨i †ÿ‡Î FYvZ¥K cÖe„w× cwijwÿZ nq|
1.26 wRwWwcÕi kZKiv wn‡m‡e Avg`vwb e¨q A_©eQi 14-Gi 21.2 fvM †_‡K n«vm †c‡q A_©eQi 15-G 20.9 fv‡M `uvovq| A_©eQi 15-G Avg`vwb cÖe„w×i nvi A_©eQi 14-Gi kZKiv 8.9 fv‡Mi Zzjbvq e„w× †c‡q kZKiv 11.3 fv‡M `uvovq| A_©eQi 15-G `ya I yaRvZ `ªe¨, †ZjexR, †fvR¨ †Zj, wPwb, Jla mvgMÖx Ges KuvPv Zzjv e¨ZxZ Ab¨vb¨ mKj Avg`vwb c‡Y¨i Avg`vwb e¨q A_©eQi 14-Gi Zzjbvq e„w× †c‡q‡Q|
1.27 cÖevmx‡`i †cÖwiZ †iwgU¨v‡Ýi cÖe„w× A_©eQi 14-Gi kZKiv 1.5 fvM FYvZ¥K cÖe„w×i Zyjbvq A_©eQi 15-G kZKiv 7.5 fvM cwiwgZ abvZ¥K cÖe„w× cwijwÿZ nq|
1.28 A_©eQi 15-G UvKv-Wjv‡ii bvwgK wewbgq nvi w¯’wZkxj ivLvi Rb¨ evsjv‡`k e¨vs‡Ki mwμq n¯Í‡ÿc Ae¨vnZ wQj| d‡j, A_©eQi 15-Gi cy‡iv mg‡qB Wjv‡ii wecix‡Z UvKvi wewbgq nvi cÖvq w¯’wZkxj wQj| A_©eQi 15-G Wjv‡ii bvwgK wewbgq nvi kZKiv 0.22 fvM AewPwZ (depreciation) nq| wewbgq nvi Ryb 2014 †k‡l 77.63 UvKvi wecix‡Z Ryb 2015 †k‡l 77.80 UvKvq `uvovq| 10wU †`‡ki gy`ªv Szwo wn‡m‡e wbYx©Z UvKvi bvwgK Kvh©Ki wewbgq nv‡ii (nominal effective exchange rate) †ÿ‡Î (wfwËt A_©eQi 11=100) A_©eQi 15-G kZKiv 9.16 fvM DcwPwZ (appreciation) N‡U| A_©eQi 15-G cÖK…Z Kvh©Ki wewbgq nv‡iI (real effective exchange rate) kZKiv 14.03 fvM DcwPwZ (appreciation) N‡U|
1.29 evsjv‡`‡ki ˆe‡`wkK F‡Yi w¯’wZ A_©eQi 14 †k‡li 24387.9 wgwjqb gvwK©b Wjvi †_‡K n«vm
†c‡q A_©eQi 15 †k‡l 23488.6 wgwjqb gvwK©b Wjv‡i `uvovq| Z‡e, wRwWwcÕi kZKiv wn‡m‡e ˆe‡`wkK F‡Yi w¯’wZ GKB mg‡q 14.11 fvM †_‡K n«vm †c‡q 12.05 fv‡M uvovq|
evsjv‡`‡ki A_©bxwZi ¯^í I ga¨‡gqvw` m¤¢vebv
1.30 ¯^í I ga¨‡gqv‡` evsjv‡`‡ki wRwWwc cÖe„w× evwl©K Mo kZKiv 7 fvM w¯’wZkxj nv‡i e„w× Ae¨vnZ _vK‡e| BD‡iv AÂj Ges gvwK©b hy³iv‡óª ga¨gvÎvi cybiæ×vi cÖe„wׇZ abvZ¥K cÖfve †dj‡e G k‡Z© †h Avf¨šÍixY †emiKvwi wewb‡qvM e„w× cv‡e| bZzb †eZb KvVv‡gv ev¯Íevqb †_‡K miKvwi †fvM e„w×, we`y¨r, moK †hvMv‡hvM I cwienb Lv‡Z eo AeKvVv‡gvMZ e¨q Ges we‡kl A_©‰bwZK AÂj (SEZ) cÖwZôvi d‡j ¯^í I ga¨‡gqv‡` evsjv‡`‡ki wRwWwc cÖe„wׇZ MwZ‡eM Avbqb Ki‡e|
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mvgwóK A_©‰bwZK MwZaviv I m¤¢vebvcÖ_g Aa¨vq
9
mvgwóK A_©‰bwZK MwZaviv I m¤¢vebv cÖ_g Aa¨vq
7.0 fvM cÖK…Z wRwWwc cÖe„w×i mv‡_ m½wZc~Y© Kivi Rb¨ Af¨šÍixY F‡Yi c~e©eZ©x A_©eQ‡ii cÖK…Z cÖe„w× kZKiv 10.4 fv‡Mi wecix‡Z kZKiv 16.5 fvM cÖe„w× cÖ‡ÿcY K‡i‡Q| e¨emvwqK cwi‡e‡ki DbœwZi d‡j ¯^í I ga¨‡gqv‡` Af¨šÍixY Pvwn`vi cÖe„w× μgk e„w× cv‡e e‡j cÖZ¨vkv Kiv n‡q‡Q| AwaKš‘, miKvwi Lv‡Z †gvU w¯’i g~jab MV‡bi (gross fixed capital formation) `ªæZ cÖe„w× K‡c©v‡iU g~jab e¨‡qi cÖe„w×i Dci abvZ¥K cÖfve Ae¨vnZ _vK‡e| GQvovI fv‡jv Avw_©K wf‡Zi cÖwZôvbmg~‡ni cÖZ¨vwkZ avivevwnKZvi Øviv wewb‡qvM cÖmvwiZ n‡e Zv‡`i wbR¯^ Znwej †_‡K wewb‡qv‡M A_©vq‡b mÿgZvi gva¨‡g|
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mviYx 2.1 wRwWwcÕi LvZIqvwi cÖe„w×(A_©eQi 06 Gi w¯’i g~‡j¨ kZKiv nvi)
1| K…wl K) K…wl I ebR 1) km¨ I kvK-mewR 2) cï m¤ú` 3) ebR m¤ú` L) grm¨ m¤ú`2| wkí K) LwbR I Lbb L) g¨vbyd¨vKPvwis 1) e„nr I gvSvwi 2) ¶z`ª M) we y¨r, M¨vm I cvwb mieivn N) wbg©vY3| †mev K) cvBKvwi I LyPiv evwYR¨, †gvUiMvwo/ †gvUimvB‡Kj †givgZ, M„n¯’vjx mvgMÖx L) †nv‡Uj I †i‡¯Íviuv M) cwienb, msi¶Y I †hvMv‡hvM N) Avw_©K ga¨¯’ZvKvix cÖwZôvb 1) gwbUvwi cÖwZôvb (e¨vsK) 2) exgv 3) Ab¨vb¨ O) wi‡qj G‡÷U, fvov I e¨emv Kg©KvÐ P) †jvK cÖkvmb I cÖwZi¶v Q) wk¶v R) ¯^v¯’¨ I mvgvwRK †mev S) KwgDwbwU, mvgvwRK I e¨w³MZ †mev †gvU g~j¨ ms‡hvRb w¯’i g~‡j¨ wRwWwc (A_©eQi 06Õi w¯’i evRvi g~‡j¨)
3.02.41.82.76.05.39.46.9
10.010.86.6
10.68.46.6
6.76.49.2
14.817.64.42.33.97.57.83.83.36.76.5
2.51.50.62.75.06.29.69.4
10.310.78.89.08.05.5
6.26.56.39.1
10.90.63.14.06.56.34.83.36.16.0
4.43.83.82.85.06.48.24.78.89.36.34.58.15.6
6.76.76.17.38.31.63.64.36.97.35.13.36.26.1
3.02.11.33.15.16.49.67.5
10.310.210.77.08.65.8
6.66.96.08.89.83.64.74.77.57.65.73.46.56.5
mv = mvgwqK| Drm t evsjv‡`k cwimsL¨vb ey ‡iv|
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A_©eQi 13
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11
mviYx 2.2 wRwWwcÕi LvZIqvwi Ae`vb(A_©eQi 06 Gi w¯’i Drcv`K g~‡j¨ (Producer prices) kZKiv Ask)
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17.413.710.01.91.83.7
28.11.6
18.314.93.41.46.8
54.5
14.00.7
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10.4 100.0
16.813.19.51.81.83.7
29.01.7
19.015.53.51.56.9
54.2
14.00.8
11.53.32.70.40.27.13.42.21.9
10.1100.0
16.512.89.31.81.73.7
29.61.6
19.516.03.51.47.0
54.0
14.10.8
11.53.32.80.40.27.03.42.31.99.8
100.0
16.012.38.81.71.73.7
30.41.7
20.216.53.71.47.2
53.6
14.10.8
11.43.42.90.40.26.83.42.31.89.5
100.0
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A_©eQi 15-G mvwe©K g¨vbyd¨vKPvwis Lv‡Z e„nr I gvSvwi g¨vbyd¨vKPvwis Ges ÿz`ª g¨vbyd¨vKPvwis DcLv‡Zi Ask h_vμ‡g kZKiv 81.7 Ges 18.3 fvM| wkí Drcv`‡bi †Kvqv›Uvg m~PK (QIP), A_©eQi 15-G kZKiv 10.7 fvM cÖe„w× AR©b K‡i (cwiwkó-3, mviYx-8)| Ab¨vb¨ hvbevnb miÄvg `ª‡e¨i Drcv`‡b Av‡jvP¨ A_©eQ‡i D‡jøL‡hvM¨ (kZKiv 122.47 fvM) cwigv‡Y cÖe„w× AwR©Z n‡q‡Q| Kw¤úDUvi, B‡j±ªwb· Ges AcwUK¨vj cÖWv±RvZ, Lv`¨, bb †gUvwjK LwbR `ªe¨, JlaRvZ Ges wPwKrmv Kv‡R e¨envh© ivmvqwbK RvZxq `ªe¨, B‡j±ªwbK mvgMÖx Ges †gŠwjK avZe `ªe¨ Drcv`‡b c~e©eZ©x eQ‡ii Zzjbvq Av‡jvP¨ A_©eQ‡i †ewk cÖe„w× AwR©Z n‡q‡Q| A_©eQi 15-G ˆZwi †cvkvK I wbUIq¨vi - †`‡ki cÖavb `yÕwU ißvwb c‡Y¨i kZKiv 4.1 fvM cÖe„w× AwR©Z n‡q‡Q| Ab¨w`‡K, Av‡jvP¨ A_©eQ‡i †gvUihvb, †UªBjim& Ges †mwg †UªBjim&, e¯¿, cvbxq, Pvgov Ges PvgovRvZ `ªe¨, ivmvqwbK Ges imvqbRvZ `ªe¨ Ges ZvgvK DcLv‡Z FYvZ¥K cÖe„w× AwR©Z n‡q‡Q|
†mev LvZ
2.6 A_©eQi 15-G †mev Lv‡Z kZKiv 5.8 fvM cÖe„w× AwR©Z n‡q‡Q, hv MZeQ‡ii Zzjbvq mvgvb¨ †ewk| cvBKvwi I LyPiv evwYR¨, †gvUiMvwo/ †gvUimvB‡Kj †givgZ, M„n¯’vjx mvgMÖx; cwienb, msi¶Y I †hvMv‡hvM DcLvZ e¨ZxZ A_©eQi 15-G †mev Lv‡Zi mKj DcLv‡Zi cÖe„w×B EaŸ©gyLx wQj| cvBKvwi I LyPiv wecYb Ges cwienb, msi¶Y I †hvMv‡hvM DcLv‡Z A_©eQi 14-Gi h_vμ‡g kZKiv 6.7 Ges 6.1 fvM cÖe„w×i Zzjbvq A_©eQi 15-G h_vμ‡g kZKiv 6.6 Ges 6.0 fvM cÖe„w× AwR©Z n‡q‡Q| A_©eQi 15-G Avw_©K ga¨¯’ZvKvix cÖwZôvb DcLv‡Z kZKiv 8.8 fvM cÖe„w× AwR©Z n‡q‡Q, hv A_©eQi 14-G wQj kZKiv 7.3 fvM| GQvovI, A_©eQi 14-G †jvK cÖkvmb I cÖwZi¶v, ¯^v¯’¨ I mvgvwRK †mev, wi‡qj G‡÷U, fvov I e¨emv Kg©KvÐ, wkÿv, †nv‡Uj I †i‡¯Íviuv, Ges KwgDwbwU, mvgvwRK I e¨w³MZ †mev DcLv‡Zi cÖe„w× h_vμ‡g kZKiv 6.9, 5.1, 4.3, 7.3, 6.7 Ges 3.3 fvM †_‡K e„w× †c‡q h_vμ‡g kZKiv 7.5, 5.7, 4.7, 7.6, 6.9 Ges 3.4 fv‡M uvwo‡q‡Q|
wRwWwcÕi LvZ wfwËK KvVv‡gv
2.7 wRwWwcÕ‡Z wkí Ges †mev Lv‡Zi e¨vcKZi Ae`vb, evsjv‡`‡ki A_©bxwZ GKwU AvaywbK Dbœqbkxj A_©bxwZi c‡_ AMÖmi nIqvi Bw½Z †`q| A_©eQi 15-G wRwWwcÕ‡Z K…wl Lv‡Zi Ask A_©eQi
†`kR cÖK…Z A_©bxwZwØZxq Aa¨vq
12
mviYx 2.3 e¨q wfwËK †gvU †`kR Drcv`b
(PjwZ evRvi g~‡j¨ t wewjqb UvKv)
Af¨šÍixY Pvwn`v
†fvM
†emiKvwi
miKvwi
wewb‡qvM
†emiKvwi
miKvwi
m¤ú‡`i fvimvg¨
ißvwb
Avg`vwb
†gvU Af¨šÍixY e¨q
†gvU †`kR Drcv`b
cvwimvswL¨K cv_©K¨
11294.8
8312.5
7780.8
531.7
2982.2
2374.2
608.0
-821.7
2127.5
2949.2
10473.0
10552.0
79.1
12751.0
9347.3
8733.9
613.4
3403.7
2607.5
796.2
-865.7
2342.4
3208.1
11885.3
11989.2
104.0
14308.5
10468.6
9751.4
717.2
3839.9
2960.0
879.9
-878.1
2551.6
3429.7
13430.5
13436.7
6.3
16144.5
11760.2
10936.2
824.0
4384.3
3340.1
1044.2
-1297.5
2603.4
3900.9
14847.0
15136
289.0
mv = mvgwqK| Drm t evsjv‡`k cwimsL¨vb ey¨‡iv|
A_©eQi 12 A_©eQi 13 A_©eQi 14 A_©eQi 15mv
mviYx 2.4 mÂq I wewb‡qvM(wRwWwcÕi kZKiv Ask wn‡m‡e)
miKvwi wewb‡qvM Af¨šÍixY mÂq Af¨šÍixY mÂq- wewb‡qvM e¨eavb†emiKvwi wewb‡qvM Af¨šÍixY mÂq Af¨šÍixY mÂq-wewb‡qvM e¨eavb†gvU wewb‡qvM Af¨šÍixY mÂq Af¨šÍixY mÂq-wewb‡qvM e¨eavb RvZxq mÂq
5.81.4
-4.4
22.519.9-2.6
28.321.2-7.129.9
6.61.5
-5.1
21.820.6-1.2
28.422.0-6.430.5
6.61.5
-5.1
22.020.6-1.4
28.622.1-6.529.2
6.91.6
-5.3
22.120.7-1.4
29.022.3-6.729.1
mv = mvgwqK|Drm t evsjv‡`k cwimsL¨vb ey¨‡iv|
A_©eQi 15mv
A_©eQi 14
A_©eQi 13
A_©eQi 12
14-Gi kZKiv 16.5 fvM †_‡K n«vm †c‡q kZKiv 16.0 fv‡M `uvwo‡q‡Q Ges †mev Lv‡Zi AskI A_©eQi 14-Gi kZKiv 54.0 fvM †_‡K mvgvb¨ n«vm †c‡q A_©eQi 15-G kZKiv 53.6 fv‡M `uvwo‡q‡Q| Ab¨w`‡K, wkí Lv‡Zi Ask A_©eQi 14-Gi kZKiv 29.6 fvM †_‡K e„w× †c‡q A_©eQi 15-G kZKiv 30.4 fv‡M `uvwo‡q‡Q|
2.8 wRwWwcÕi KvVv‡gv‡Z wewfbœ Lv‡Zi cwieZ©‡bi aviv Ab¨Î cwijwÿZ Av`k© avivi mv‡_ m½wZc~Y©| km¨ I kvK-mewR DcLv‡Zi Ask (K…wl Lv‡Zi kZKiv 55.3 fvM) A_©eQi 14-Gi kZKiv 9.3 fvM †_‡K n«vm †c‡q A_©eQi 15-G kZKiv 8.8 fv‡M `uvwo‡q‡Q; hvi d‡j wRwWwcÕi LvZwfwËK KvVv‡gv‡Z K…wl Lv‡Zi Ask n«vm †c‡q‡Q (mviYx 2.2)| A_©eQi 15-G e„nr I gvSvwi g¨vbyd¨vKPvwis DcLv‡Zi (0.8 cv‡m©‡›UR c‡q›U) e„w× wRwWwcÕ‡Z wkí Lv‡Zi Ae`vb e„wׇZ f~wgKv †i‡L‡Q| LwbR I Lbb Ges wbg©vY DcLv‡Zi Ask h_vμ‡g A_©eQi 14-Gi kZKiv 1.6 Ges 7.0 fvM †_‡K mvgvb¨ e„w× †c‡q A_©eQi 15-G kZKiv 1.7 Ges 7.2 fv‡M `uvwo‡q‡Q| we`y¨r, M¨vm I cvwb mieivn DcLv‡Zi Ask Av‡jvP¨ A_©eQ‡i AcwiewZ©Z _v‡K| †mev Lv‡Zi †ewkifvM DcLv‡Zi (cvBKvwi I LyPiv evwYR¨, †gvUiMvwo/†gvUimvB‡Kj †givgZ, M„n¯’vjx mvgMÖx; †nv‡Uj I †i‡¯Íviuv, †jvK cÖkvmb I cÖwZi¶v Ges wkÿv) LvZwfwËK Ae`vb Av‡jvP¨ A_©eQ‡i AcwiewZ©Z i‡q‡Q| Ab¨w`‡K, Avw_©K ga¨¯’ZvKvix cÖwZôvb DcLv‡Zi cÖe„w× wKQzUv e„w× †c‡jI cwienb, msi¶Y I †hvMv‡hvM, wi‡qj G‡÷U, fvov I e¨emv Kg©KvÐ, ¯^v¯’¨ I mvgvwRK †mev Ges KwgDwbwU, mvgvwRK I e¨w³MZ †mev DcLv‡Zi cÖe„w× wKQzUv n«vm †c‡q‡Q|
e¨q-wfwËK wRwWwc
2.9 A_©eQi 15-G e¨q-wfwËK wRwWwc cÖv°jb Kiv n‡q‡Q 15136.0 wewjqb UvKv, hv A_©eQi 14-Gi Zzjbvq kZKiv 12.7 fvM bvwgK cÖe„w× AR©b K‡i‡Q (mviYx 2.3)| †fvM e¨q, miKvwi I †emiKvwi
Lv‡Zi wewb‡qvM e¨q Ges A_©bxwZi m¤ú‡`i fvimv‡g¨i mgwó n‡”Q †gvU Af¨šÍixY e¨q| A_©eQi 15-G PjwZ evRvi g~‡j¨ Af¨šÍixY Pvwn`v cÖv°jb Kiv n‡q‡Q 16144.5 wewjqb UvKv, hv A_©eQi 14-Gi Zzjbvq kZKiv 12.8 fvM †ewk|
2.10 A_©eQi 15-G †gvU Af¨šÍixY e¨‡q †fvM e¨‡qi Ae`vb wRwWwcÕi kZKiv Ask wn‡m‡e 79.2 fvM, wewb‡qvM e¨‡qi Ae`vb 29.5 fvM Ges m¤ú` fvimv‡g¨i Ae`vb 8.7 fvM| A_©eQi 15-G bvwgK A‡_© wewb‡qvM e¨q kZKiv 14.2 fvM †hLv‡b †fvM e¨q kZKiv 12.3 fvM e„w× †c‡q‡Q|
mÂq I wewb‡qvM
2.11 Av‡jvP¨ A_©eQ‡i Af¨šÍixY I RvZxq m‡qi cwiwgZ cÖe„w× AwR©Z n‡q‡Q| PjwZ evRvi g~‡j¨ †gvU Af¨šÍixY mÂq A_©eQi 14-Gi kZKiv 12.3 fvM †_‡K e„w× †c‡q A_©eQi 15-G kZKiv
wØZxq Aa¨vq†`kR cÖK…Z A_©bxwZ
13
†emiKvwi mÂq miKvwi mÂq
PvU© 2.2 Af¨šÍixY mÂq
wRwW
wcÕi
kZK
iv n
vi
PvU© 2.3 Af¨šÍixY wewb‡qvM
wRwW
wcÕi
kZK
iv n
vi
†emiKvwi wewb‡qvM miKvwi wewb‡qvM
0
5
10
15
20
25
A_©eQ
i 09
A_©eQ
i 10
A_©eQ
i 11
A_©eQ
i 12
A_©eQ
i 13
A_©eQ
i 14
A_©eQ
i 15
0
5
10
15
20
25
A_©eQ
i 09
A_©eQ
i 10
A_©eQ
i 11
A_©eQ
i 12
A_©eQ
i 13
A_©eQ
i 14
A_©eQ
i 15
14
†`kR cÖK…Z A_©bxwZwØZxq Aa¨vq
A_©eQi 14-Gi Zzjbvq kZKiv 8.0 fvM n«vm †c‡q‡Q|
2.12 wRwWwcÕi kZKiv Ask wn‡m‡e wewb‡qvM A_©eQi 14-Gi 28.6 fvM †_‡K e„w× †c‡q A_©eQi 15-G 29.0 fv‡M uvwo‡q‡Q (mviYx 2.4, PvU© 2.3)| wRwWwcÕi kZKiv wn‡m‡e †emiKvwi wewb‡qvM A_©eQi 14-Gi 22.0 fvM †_‡K wKQzUv e„w× †c‡q A_©eQi 15-G 22.1 fv‡M uvwo‡q‡Q Ges wRwWwcÕ‡Z miKvwi wewb‡qv‡Mi kZKiv Ask A_©eQi 14-Gi 6.6 fvM †_‡K e„w× †c‡q A_©eQi 15-G 6.9 fv‡M uvwo‡q‡Q|
2.13 wRwWwcÕi kZKiv Ask wn‡m‡e Af¨šÍixY mÂq-wewb‡qvM e¨eavb A_©eQi 14-Gi 6.5 †_‡K e„w× †c‡q A_©eQi 15-G 6.7-G uvwo‡q‡Q (mviYx 2.4)| Af¨šÍixY mÂq-wewb‡qvM e¨eavb we‡`k †_‡K cÖvß wbU DcKiY Avq Øviv †gUv‡bv n‡q‡Q|
13.7 fv‡M `uvwo‡q‡Q| A_©eQi 15-G wRwWwcÕi kZKiv wn‡m‡e †gvU Af¨šÍixY m‡qi Ask A_©eQi 14-Gi 22.1 fvM †_‡K e„w× †c‡q 22.3 fv‡M `uvwo‡q‡Q (mviYx 2.4, PvU© 2.2)|
Af¨šÍixY m‡q †emiKvwi Lv‡Zi Ask (wRwWwcÕi kZKiv Ask wn‡m‡e) A_©eQi 14-Gi 20.6 fvM †_‡K mvgvb¨ e„w× †c‡q A_©eQi 15-G 20.7 fv‡M `uvwo‡q‡Q| Af¨šÍixY m‡q miKvwi Lv‡Zi Ask (wRwWwcÕi kZKiv Ask wn‡m‡e) A_©eQi 14-Gi 1.5 fvM †_‡K e„w× †c‡q A_©eQi 15-G 1.6 fv‡M `uvwo‡q‡Q| wRwWwcÕi kZKiv wn‡m‡e †gvU RvZxq mÂq (GNS) A_©eQi 14-Gi 29.2 fvM †_‡K mvgvb¨ n«vm †c‡q A_©eQi 15-G 29.1 fv‡M uvovq| A_©eQi 15-G wbU DcKiY Avq (GbGdAvB) 6.8 fvM cÖe„w× AR©b K‡i‡Q| Z‡e, wbU PjwZ n¯ÍvšÍi Gi cÖe„w×
15
Z…Zxq Aa¨vq
ˆewk¦K g~j¨ùxwZ cwiw¯’wZ
3.1 wek¦e¨vcx g~j¨ùxwZ wbqwš¿Z wQj| g~jZ R¡vjvwb I Ab¨vb¨ c‡Y¨i g~j¨ Kgvi d‡j DbœZ A_©bxwZi †`‡k mvwe©K (Headline) g~j¨ùxwZ n«vm cvq, hw`I gyL¨ (Core) g~j¨ùxwZ w¯’wZkxj wQj| GKBfv‡e, R¡vjvwb I Ab¨vb¨ c‡Y¨i g~j¨ n«vm D`xqgvb evRv‡ii †`k¸‡jv‡Z g~j¨ùxwZ Kgv‡Z Ae`vb iv‡L| Z‡e ivwkqvi g‡Zv e¨vcK gy`ªv wewbgq nvi AewPwZi m¤§yLxb †`k¸‡jv Gi e¨wZμg|
evsjv‡`‡ki †fv³v g~j¨
3.2 A_©eQi 15-G evsjv‡`‡ki †fv³v g~j¨ m~PKwfwËK evwl©K Mo g~j¨ùxwZ (wfwËt A_©eQi 06=100) n«vm cvq| G g~j¨ùxwZ Ryb 2015 †k‡l kZKiv 6.40 fv‡M uvovq, hv gy ªvbxwZ (Rvbyqvwi-Ryb 2015) G †NvwlZ jÿ¨gvÎv kZKiv 6.5 fvM A‡cÿv Kg wQj, †hLv‡b A_©eQi 14-G g~j¨ùxwZ wQj kZKiv 7.35 fvM (mviYx 3.2, PvU© 3.1)| g~j¨ùxwZi Pvc Ryb 2014 †_‡K (kZKiv 7.35 fvM) Kg‡Z ïiæ K‡iwQj Ges ch©vß Lv`¨ mieiv‡ni d‡j Lv`¨ g~j¨ùxwZ n«v‡mi Kvi‡Y A_©eQi 15 e¨vcx g~j¨ùxwZ n«vm Ae¨vnZ _v‡K| R¡vjvwb †Z‡ji g~j¨ n«vm, Dc‡hvMxg~jK gy ªv mieivn e„w×i nvi I w ’wZkxj gy ªv wewbgq nvi g~j¨ùxwZ Kgv‡Z Ae`vb †i‡L‡Q| ev‡iv gv‡mi †fv³v g~j¨ m~PKwfwËK c‡q›U-Uz-c‡q›U g~j¨ùxwZ Ryb 2014 Gi kZKiv 6.97 fv‡Mi Zzjbvq Ryb 2015 †k‡l kZKiv 6.25 fv‡M uvovq|
A_©eQi 15-G c‡q›U-Uz-c‡q›U Lv`¨ g~j¨ùxwZ‡Z wgkªaviv cwijwÿZ n‡jI evwl©K Mo Lv`¨ g~j¨ùxwZ K‡gwQj| evwl©K Mo Lv`¨ g~j¨ùxwZ Ryb 2014-Gi
kZKiv 8.55 fvM †_‡K n«vm †c‡q Ryb 2015-G kZKiv 6.68 fv‡M `uvovq| Aciw`‡K, c‡q›U-Uz-c‡q›U Lv`¨ g~j¨ùxwZ RyjvB 2014-G kZKiv 7.94 fvM wQj Ges cieZx mgq Zv μgvš^‡q K‡g Rvbyqvwi 2015 G kZKiv 6.07 fv‡M `uvovq| cieZ©x K‡qK
g~j¨ I g~j¨ùxwZ
mviYx 3.1 gvwmK g~j¨ùxwZ nvi
RyjvB 14AvM÷ 14†m‡Þ¤^i 14A‡±vei 14b‡f¤^i 14wW‡m¤^i 14Rvbyqvwi 15†deªæqvwi 15gvP© 15GwcÖj 15†g 15Ryb 15
m~Î t evsjv‡`k cwimsL¨vb ey¨‡iv|
1.561.301.410.690.020.441.130.300.270.09
-1.300.19
2.181.831.830.71
-0.190.171.070.280.380.12
-2.200.03
0.630.500.770.670.360.801.260.320.100.050.110.43
gvm mvaviY Lv`¨ Lv`¨-ewnf©‚Z
kZKi
v nvi
PvU© 3.1 RvZxq chv©‡q †fv³vg~j¨m~PK wfwËK g~~j¨ùxwZ (12-gvm Mo wfwËK t A_©eQi 06=100)
mvaviY Lv`¨ Lv`¨-ewnf©‚Z
0
2
4
6
8
10
12
A_©eQi 12 A_©eQi 13 A_©eQi 14 A_©eQi 15
16
gvm c‡q›U-Uz-c‡q›U Lv`¨ g~j¨ùxwZ e„w× †c‡Z _v‡K Ges GwcÖj 2015-G Zv kZKiv 6.48 fv‡M uvovq| Ae‡k‡l, Ryb 2015-G c‡q›U-Uz-c‡q›U Lv`¨ g~j¨ùxwZ uvovq kZKiv 6.32 fvM| fvj djb Ges ivR‰bwZK Aw¯’iZv cÖkg‡bi d‡j DbœZ mieivn cwiw¯’wZ Lv`¨ g~j¨ùxwZ Kgv‡Z Ae`vb †i‡LwQj|
A_©eQi 15-G evwl©K Mo I c‡q›U-Uz-c‡q›U Lv`¨-ewnf‚©Z g~j¨ùxwZ‡ZI wgkÖaviv cwijwÿZ nq| evwl©K Mo Lv`¨-ewnf©~Z g~j¨ùxwZ RyjvB 2014-Gi kZKiv 5.41 fv‡Mi Zzjbvq n«vm †c‡q †m‡Þ¤^i 2015-G kZKiv 5.34 fv‡M uvovq| cieZ©x gv‡m Zv evo‡Z ïiæ K‡i Ges Ryb 2015 †k‡l kZKiv 5.99 fv‡M `uvovq| GKBfv‡e, A_©eQi 15 G c‡q›U-Uz-c‡q›U Lv`¨-ewnf‚©Z g~j¨ùxwZ‡Z EaŸ©gyLx I wb¤œgyLx cÖeYZv cwijwÿZ nq| A_©eQi 15-Gi ïiæ‡Z RyjvB 2014 G c‡q›U-Uz-c‡q›U Lv`¨-ewnf‚©Z g~j¨ùxwZ wQj kZKiv 5.71 fvM, hv e„w× †c‡q Ryb 2015 G nq kZKiv 6.15 fvM| wW‡m¤^i 2014-G Lv`¨-ewnf‚©Z g~j¨ùxwZi nvi (kZKiv 6.48 fvM) m‡e©v”P wQj (mviYx 3.5)| †cvkvK Ges cv`yKv, M„nm¾vi AvmevecÎ, wPwKrmv I ¯^v¯’¨ m¤úwK©Z e¨q, cwienb I †hvMv‡hvM Ges Ab¨vb¨ Lv`¨-ewnf‚©Z c‡Y¨i g~j¨ e„w×i d‡j A_©eQi 15-G Lv`¨-ewnf‚©Z g~j¨ùxwZ e„w× †c‡qwQj|
A_©eQi 15-G gyL¨ (Core) g~j¨ùxwZ‡Z (Lv`¨ I R¡vjvwb †Zj e¨ZxZ) wgkÖ AvPiY cwijwÿZ nq Ges AvM÷ 2014-Gi kZKiv 5.76 fv‡Mi Zzjbvq Ryb 2015-G kZKiv 6.74 fv‡M †cuŠ‡Q| A_©eQi 15-G gvwmK mvaviY, Lv`¨ Ges Lv`¨ ewnf‚©Z g~j¨ùxwZ‡ZI wgkÖ aviv cwijwÿZ nq (mviYx 3.1, PvU© 3.2)|
3.3 A_©eQi 15-G MÖvgxY GjvKvi Zzjbvq kni GjvKvq g~j¨ùxwZ Zzjbvg~jKfv‡e †ewk wQj| MÖvgxY GjvKvi evwl©K Mo g~j¨ùxwZ wQj kZKiv 6.20 fvM, hv kni GjvKvq wQj kZKiv 6.80 fvM| MÖvgxY GjvKvq evwl©K Mo g~j¨ùxwZ A_©eQi 14-Gi Ryb
mviYx 3.2 evwl©K MowfwËK †fv³v g~j¨m~P‡K wbYx©Z g~j¨ùxwZ (wfwË t A_©eQi 06 = 100)
K) RvZxq ch©vq mvaviY m~PK
Lv`¨
Lv`¨-ewnf‚©Z
L) MÖvgxY mvaviY m~PK
Lv`¨
Lv`¨-ewnf‚©Z
M) kni mvaviY m~PK
Lv`¨
Lv`¨-ewnf‚©Z
100.00
56.18
43.82
100.00
61.41
38.59
100.00
46.52
53.48
170.19(8.69)
183.65(7.72)152.94(10.21)
173.26(8.69)
183.62(7.50)156.77(10.96)
164.53(8.70)183.71(8.27)
147.84(9.16)
181.73(6.78)193.24(5.22)166.97(9.17)
183.90(6.14)192.14(4.64)
170.79(8.94)
177.71(8.01)195.91(6.64)161.88(9.49)
207.58(6.40)
223.80(6.68)
186.79(5.99)
209.10(6.20)221.02(6.40)190.13(5.81)
204.76(6.80)
230.56(7.32)182.32(6.24)
195.08(7.35)
209.79(8.57)176.22(5.54)
196.90(7.07)
207.72(8.11)
179.69(5.21)
191.72(7.89)214.85(9.66)171.61(6.01)
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6.7810.97.79.07.06.92.3
2.22.42.16.41.35.5
7.356.47.28.48.23.32.1
1.91.03.16.41.35.5
6.356.11.87.64.7
-0.20.9
-1.0-0.43.37.30.7
-
(Ryb)
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2011 2012 2013 2014 2015 (RyjvB)
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107.33(7.33)106.03(6.03)106.23(6.23)
112.62(6.01)
112.08(5.78)112.08(5.76)111.89(6.55)113.43(6.08)114.70(6.87)111.53(5.19)
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124.69(4.94)124.51(5.12)
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5.1
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5.3 e¨vswKs Lv‡Zi †gvU m¤ú‡`i g‡a¨ ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi m¤ú‡`i cwigvY 2014 m‡b `uvwo‡q‡Q kZKiv 27.5 fvM, hv 2013 m‡b wQj kZKiv 26.4 fvM| †emiKvwi e¨vsK¸‡jvi gv‡K©U †kqvi ¯^vfvweK aviv eRvq †i‡L‡Q hv 2013
m‡bi kZKiv 61.8 fvM n‡Z mvgvb¨ e„w× †c‡q 2014 m‡b kZKiv 63.3 fv‡M DbœxZ n‡q‡Q| 2014 m‡b we‡`wk evwYwR¨K e¨vsK¸‡jvi aviYK…Z †gvU m¤ú‡`i cwigvY wQj kZKiv 5.5 fvM, hv c~e©eZ©x eQ‡ii Zzjbvq 0.6 cv‡m©‡›UR c‡q›U Kg| 2014 m‡b we‡klvwqZ e¨vsK¸‡jvi †gvU m¤ú‡`i cwigvY wQj kZKiv 3.7 fvM, hv 2013 m‡b wQj kZKiv 5.7 fvM| D‡jøL¨ †h, we‡klvwqZ e¨vsK¸‡jvi ga¨ †_‡K GKwU e¨vsK‡K ivóª gvwjKvbvaxb evwYwR¨K e¨vsK wn‡m‡e we‡ePbv Kiv n‡q‡Q|
5.4 e¨vsK¸‡jvi †gvU AvgvbZ 2013 m‡bi 6273.0 wewjqb UvKv n‡Z kZKiv 11.0 fvM e„w× †c‡q 2014 m‡b 6965.1 wewjqb UvKvq uvwo‡q‡Q| ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi †gvU Avgvb‡Zi cwigvY 2013 m‡bi kZKiv 26.0 fvM n‡Z mvgvb¨ e„w× †c‡q 2014 m‡b kZKiv 28.0 fv‡M `uvwo‡q‡Q| 2013 m‡b †emiKvwi evwYwR¨K e¨vsK¸‡jvi 3939.3 wewjqb UvKv AvgvbZ ev e¨vswKs Lv‡Zi †gvU Avgvb‡Zi kZKiv 62.8 fvM Gi
PvU© 5.1 e¨vswKs Lv‡Z GKxf‚Z m¤ú`, wW‡m¤^i 2013(wewjqb UvKv)
FY I AwMÖg5147.256.3%
miKvwi wej I eÛ1663.618.2%
evsjv‡`k e¨vs‡KMw”QZ A_©572.86.3%
wm› y‡K iwÿZbM` A_©
91.11.0%
Ab¨vb¨ m¤ú`1668.418.2%
PvU© 5.2 e¨vswKs Lv‡Z GKxf‚Z `vq, wW‡m¤^i 2013(wewjqb UvKv)
e¨vswKs Lv‡Z GKxf‚Z m¤ú`, wW‡m¤^i 2014(wewjqb UvKv)
e¨vswKs Lv‡Z GKxf‚Z `vq, wW‡m¤^i 2014(wewjqb UvKv)
AvgvbZ6157.077.0%
g~jab IwiRvf©651.98.1%
Ab¨vb¨ `vq
1191.314.9%
AvgvbZ6965.176.2%
g~jab IwiRvf©741.38.1%
Ab¨vb¨ `vq1436.715.7%
FY I AwMÖg4718.259.0%
miKvwiwej I eÛ1570.719.6%
evsjv‡`k e¨vs‡KMw”QZ A_©
479.16.0%
wm› y‡K iwÿZbM` A_©102.71.3%
Ab¨vb¨ m¤ú`
1129.514.1%
29
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
Zzjbvq 2014 m‡b Zv uvwo‡q‡Q 4449.4 wewjqb UvKv ev e¨vswKs Lv‡Zi †gvU Avgvb‡Zi kZKiv 63.9 fvM| 2014 m‡b we‡`wk e¨vsK¸‡jvi Avgvb‡Zi cwigvY weMZ eQ‡ii 359.5 wewjqb UvKv n‡Z kZKiv 9.3 fvM n«vm †c‡q 326.0 wewjqb UvKvq `uvwo‡q‡Q| we‡klvwqZ e¨vsK¸‡jvi Avgvb‡Zi cwigvY 2013 m‡bi 343.0 wewjqb UvKv n‡Z kZKiv 30.7 fvM n«vm †c‡q 2014 m‡b 237.6 wewjqb UvKvq `uvwo‡q‡Q|
K.1. mgwš^Z w¯’wZcÎ
5.5 2014 m‡b e¨vswKs Lv‡Zi GKxf‚Z m¤ú‡`i cwigvY 2013 m‡bi Zzjbvq mvwe©Kfv‡e kZKiv 14.3 fvM e„w× †c‡q‡Q| Av‡jvP¨ mg‡q ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi †gvU m¤ú` kZKiv 19.4 fvM Ges †emiKvwi evwYwR¨K e¨vsK¸‡jvi †gvU m¤ú` kZKiv 17.0 fvM e„w× †c‡q‡Q| 9143.0 wewjqb UvKv m¤ú‡`i g‡a¨ FY I AwMÖg Lv‡Zi Ae`vb me©vwaK, hvi cwigvY wQj 5147.2 wewjqb UvKv (kZKiv 56.3 fvM)| ˆe‡`wkK gy`ªvmn nv‡Z bM` Znwe‡ji cwigvY wQj 91.1 wewjqb UvKv; evsjv‡`k e¨vs‡K Mw”QZ Avgvb‡Zi cwigvY wQj 572.8 wewjqb UvKv; Ab¨vb¨ m¤ú‡`i cwigvY wQj 1668.4 wewjqb UvKv Ges miKvwi wmwKDwiwU‡R wewb‡qv‡Mi cwigvY wQj 1663.6 wewjqb UvKv (PvU© 5.1)|
5.6 2014 m‡b e¨vswKs Lv‡Zi mvgwMÖK `vq I g~ja‡bi g‡a¨ †gvU Avgvb‡Zi nvi wQj kZKiv 76.2 fvM (6965.1 wewjqb UvKv), hv e¨vswKs e¨e¯’vq Znwe‡ji cÖavb Drm wn‡m‡e KvR K‡i‡Q| 2014 m‡b e¨vsK¸‡jvi g~jab I mwÂwZi cwigvY wQj 741.3 wewjqb UvKv (kZKiv 8.1 fvM), hv 2013 m‡b wQj 651.9 wewjqb UvKv (kZKiv 8.1 fvM) (PvU© 5.2)|
K.2. g~jab ch©vßZv
5.7 g~jab ch©vßZvi nvi e¨vsK¸‡jvi mvwe©K g~ja‡bi Ae¯’v Ges m¤¢ve¨ Avw_©K ¶wZ n‡Z AvgvbZKvix I Ab¨vb¨ cvIbv`vi‡`i myi¶v cÖ`v‡bi Ici ¸iæZ¡v‡ivc K‡i| GwU m¤¢ve¨ mKj Avw_©K SzuwK
†hgb - FY SzuwK, evRvi SzuwK, cwiPvjb SzuwK, my`nvi SzuwK, Zvij¨ SzuwK, mybvgnvwbi SzuwK, wb®úwËKiY SzuwK, †KŠkjMZ SzuwK, cwi‡ek I Rjevqy cwieZ©bRwbZ SzuwK BZ¨vw` †gvKv‡ejvq mnvqZv K‡i| e¨v‡mj-2 †gvZv‡eK e¨vsK¸‡jv‡K b~¨bZg g~jab wn‡m‡e SzuwKwfwËK m¤ú‡`i kZKiv 10.0 fvM A_ev 4.0 wewjqb UvKv, G yÕ‡qi g‡a¨ †hwU †ewk Zv msi¶Y Ki‡Z nq| ZË¡veavb ch©v‡jvPbv c×wZi (Supervisory Review Process) AvIZvq e¨vsK¸‡jv‡K ch©vß g~jab Z_v b~¨bZg cÖ‡qvRbxq g~ja‡bi †ewk msi¶‡Yi wb‡`©kbv †`qv n‡q‡Q, hv m¤¢ve¨ mKj SzuwK †gvKv‡ejvq mÿg| e¨vsK¸‡jvi Rb¨ g~ja‡bi ch©vßZvi cwigvY mvaviYZ SRP-SREP (Supervisory Review Evaluation Process, the central bank's assessment) Wvqvj‡Mi gva¨‡g wba©vwiZ I P‚ovšÍ n‡q _v‡K| 31 wW‡m¤^i 2014 ch©šÍ e¨vsK¸‡jvi mvwe©K g~ja‡bi cwigvY wQj 717.5 wewjqb UvKv|
mviYx 5.2 e¨vs‡Ki †kÖwY‡f‡` g~jab I SzuwK fvixZ m¤ú‡`i AbycvZ
(kZKiv nvi)e¨vs‡Ki
aib 2007 2008 2009 2010 2011 2012 2013 2014
Gmwmwewe‡klvwqZ†emiKvwiwe‡`wk†gvU
7.9-5.510.622.79.6
6.9-5.311.424.010.1
9.00.4
12.128.111.6
8.9-7.310.115.69.3
11.7-4.511.521.011.4
8.1-7.811.420.610.5
10.8-9.712.620.211.5
8.3-17.312.522.611.3
4.9-18.111.824.110.3
PvU© 5.3 GKxf‚Z g~jab ch©vßZvi weeiY
wewj
qb U
vKv
2015(Ryb)
g~jab SzuwKwfwËK m¤ú` g~jab/SzuwKwfwËK m¤ú`
kZKi
v nvi
0
3
6
9
12
15
01000200030004000500060007000
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
30
5.8 mviYx 5.2 n‡Z †`Lv hvq †h, 31 wW‡m¤^i 2014-G mgwš^Zfv‡e ivóª gvwjKvbvaxb, we‡klvwqZ, †emiKvwi Ges we‡`wk e¨vsK¸‡jvi g~jab ch©vßZvi nvi wQj h_vμ‡g kZKiv 8.3, -17.3, 12.5 Ges 22.6 fvM| wKš‘ †kÖwYK…Z FY e„w× cvIqvi Kvi‡Y 2wU ivóª gvwjKvbvaxb e¨vsK (†mvbvjx I †ewmK), 2wU †emiKvwi e¨vsK (wewmweGj, AvBwmwe BmjvwgK) Ges 2wU we‡klvwqZ e¨vsK (we‡Kwe, ivKve) GKKfv‡e cÖ‡qvRbxq b~¨bZg g~jab msi¶Y Ki‡Z cv‡iwb| wW‡m¤^i 2014-G e¨vswKs Lv‡Zi mvwe©K g~jab ch©vßZvi nvi wQj kZKiv 11.3 fvM, hv wW‡m¤^i 2013 G wQj kZKiv 11.5 fvM| g~jZ bZzb FY bxwZgvjv ev¯Íevq‡bi Kvi‡Y 2013 I 2014 m‡b g~jab ch©vßZvi nvi e„w× †c‡q‡Q| Ryb 2015 †k‡l e¨vswKs Lv‡Zi mvwe©K g~jab ch©vßZvi nvi wQj kZKiv 10.3 fvM|
K.3. m¤ú‡`i ¸YMZ gvb
5.9 evwYwR¨K e¨vsK¸‡jvi †gvU m¤ú‡`i GKwU e„nr Ask n‡jv FY I AwMÖg| FY I AwMÖg Lv‡Z D”P gvÎvi †K›`ªxf‚ZKiY e¨vsK¸‡jvi m¤ú‡`i FY SzuwK e„w× K‡i‡Q|
5.10 m¤ú‡`i ¸YMZ gvb wbY©‡qi me‡P‡q ¸iæZ¡c~Y© m~PK n‡”Q †gvU F‡Yi Zzjbvq †gvU †kÖwYweb¨vwmZ F‡Yi nvi Ges wbU F‡Yi Zzjbvq wbU †kÖwYweb¨vwmZ F‡Yi nvi| wW‡m¤^i 2014-G †emiKvwi e¨vsK¸‡jvi †kÖwYweb¨vwmZ F‡Yi nvi wQj me‡P‡q Kg Ges we‡klvwqZ e¨vsK¸‡jvi †ÿ‡Î G nvi wQj me‡P‡q †ewk| †gvU F‡Yi Zzjbvq †kÖwYweb¨vwmZ F‡Yi nvi wW‡m¤^i 2014 †k‡l wQj †emiKvwi e¨vsK¸‡jv‡Z kZKiv 5.0 fvM, hv ivóª gvwjKvbvaxb e¨vsK, we‡`wk e¨vsK Ges we‡klvwqZ e¨vsK¸‡jvi †¶‡Î wQj h_vμ‡g kZKiv 22.2, 7.3 Ges 32.8 fvM (mviYx 5.3)| Ab¨w`‡K Ryb 2015 †k‡l ivóª gvwjKvbvaxb e¨vsK, †emiKvwi e¨vsK, we‡`wk e¨vsK Ges we‡klvwqZ e¨vsK¸‡jvi †gvU F‡Yi Zzjbvq †kÖwYweb¨vwmZ F‡Yi nvi wQj h_vμ‡g kZKiv 21.9, 5.7, 8.2 Ges 25.5 fvM|
5.11 e¨vsK¸‡jvi †gvU F‡Yi Zzjbvq †kÖwYweb¨vwmZ F‡Yi nvi 2000 m‡bi m‡e©v”P gvÎv (kZKiv 34.9 fvM) n‡Z 2011 mb (kZKiv 6.1 fvM) ch©šÍ mvgwMÖKfv‡e wb¤œgyLx cÖeYZv wQj| wKš‘, G nvi 2012 m‡b e„w× †c‡q (kZKiv 10.0 fvM), 2013 m‡b n«vm cvq (kZKiv 8.9 fvM) Ges 2014 mb †k‡l cybivq e„w× cvq (kZKiv 9.7 fvM)| mviYx 5.3 n‡Z †`Lv hvq †h, 2011 mb n‡Z mv¤úªwZK eQi¸‡jv‡Z †gvU F‡Yi Zzjbvq e¨vsK¸‡jvi †kÖwYweb¨vwmZ F‡Yi nvi n«vm cvIqvi Ab¨Zg
PvU© 5.4 GKxf‚Z †kÖwYweb¨vwmZ FY I †gvU F‡Yi Zzjbvg~jK Ae¯’v
kZKi
v nvi
wewj
qb U
vKv
mviYx 5.3 e¨vs‡Ki †kÖwYweb¨vwmZ F‡Yi Ae¯’v(kZKiv nvi)
e¨vs‡Kiaib 2007 2008 2009 2010 2011 2012 2013 2014
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
29.9
28.6
5.0
1.4
13.2
25.4
25.5
4.4
1.9
10.8
21.4
25.9
3.9
2.3
9.2
15.7
24.2
3.2
3.0
7.3
11.3
24.6
2.9
3.0
6.1
23.9
26.8
4.6
3.5
10.0
19.8
26.8
4.5
5.5
8.9
22.2
32.8
5.0
7.3
10.0
21.9
25.5
5.7
8.2
9.7
2015(Ryb †k‡l)
e¨vs‡Kiaib 2007 2008 2009 2010 2011 2012 2013 2014
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
6.1
25.5
0.8
-0.9
2.7
12.9
19.0
1.4
-1.9
5.1
5.9
17.0
0.9
-2.0
2.8
1.9
18.3
0.5
-2.3
1.7
1.9
16.0
0.0
-1.7
1.3
-0.3
17.0
0.2
-1.8
0.7
12.8
20.4
0.9
-0.9
4.4
1.7
19.7
0.6
-0.4
2.0
9.4
9.2
1.1
-0.4
2.8
2015(Ryb †k‡l)
PvU© 5.3 (K) e¨vs‡Ki †kÖwY‡f‡` wbU †kÖwYweb¨vwmZ F‡Yi Ae¯’v
0
3
6
9
12
15
0100020003000400050006000
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
†kÖwYweb¨vwmZ FY†gvU FY †kÖwYweb¨vwmZ FYvbycvZ
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
31
mviYx 5.4 cÖ‡qvRbxq I msiwÿZ cÖwfkb-mKj e¨vsK
(wewjqb UvKv)
e¨vs‡Kiaib 2007 2008 2009 2010 2011 2012 2013 2014
†kÖwYweb¨vwmZ F‡Yi cwigvYcÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb DØ„Ë(+)/NvUwZ(-)cÖwfkb msiÿ‡Yinvi (%)
525.2
300.4
275.6
-24.8
91.7
501.6
289.6
281.6
-7.9
97.2
226.2
127.2
97.1
-30.1
76.3
224.8
136.1
126.2
-9.9
92.7
224.8
134.8
137.9
3.1
102.3
227.1
149.2
142.3
-6.9
95.4
226.4
148.2
152.7
4.6
103.0
427.3
242.4
189.8
-52.6
78.3
405.8
252.4
249.8
-2.6
99.0
2015(Ryb †k‡l)
KviY¸‡jv n‡”Q e‡Kqv FY Av`v‡q wKQzUv AMÖMwZ Ges Ôg›`Õ wn‡m‡e †kÖwYK…Z F‡Yi Ae‡jvcb| wKš‘ F‡Yi †kÖwYweb¨vm I cybtZdwmwjKiY msμvšÍ mvKz©jvi Rvwi I e¨vswKs Lv‡Zi KwZcq †K‡jsKvwii Kvi‡Y 2012 I 2014 †k‡l G nvi cybivq e„w× cvq|
5.12 ivóª gvwjKvbvaxb evwYwR¨K I we‡klvwqZ e¨vsK¸‡jvi wbKU wecyj cwigvY †kÖwYweb¨vwmZ FY we`¨gvb _vKvi Ab¨Zg KviY¸‡jv n‡”Q evwYwR¨K wfwË we‡ePbv e¨wZ‡i‡K wekvj As‡Ki FY cÖ`vb, wb¤œgv‡bi FY cÖ¯Íve Ges weZiYK…Z FYmg~‡ni ch©vß cwi`k©b I ZË¡veav‡bi Afve| AwaKš‘, Rvgvb‡Zi ¸YMZgvb wb¤œ nIqvi Kvi‡Y `xN©w`‡bi cyÄxf~Z g›` FY Ae‡jvcb Kivi wel‡q G e¨vsK¸‡jv D`vmxb wQj| Z‡e, mv¤úªwZKKv‡j e¨vsK¸‡jvi weiƒc †kÖwYweb¨vwmZ FY Av`vq c×wZ †Rvi`vi Kivi Rb¨ Af¨šÍixY e¨e¯’vi cybM©Vb Ges Ae‡jvcb Kvh©μg MÖn‡Yi †cÖw¶‡Z g›` FY Av`v‡q wKQyUv DbœwZ j¶¨ Kiv hv‡”Q|
5.13 mviYx 5.3 (K) Ges PvU© 5.4 (K) n‡Z †`Lv hvq †h, 2014 m‡b mvgwMÖK e¨vswKs Lv‡Zi cÖwfkb I ¯’wMZ my` mgš^qc~e©K wbU †kÖwYweb¨vwmZ FY I †gvU wbU FY AbycvZ wQj kZKiv 2.7 fvM| Z‡e we‡klvwqZ e¨vsK¸‡jvi †ÿ‡Î G nvi wQj kZKiv 25.5 fvM| we‡klvwqZ e¨vsK¸‡jvi cÖwfkb I ¯’wMZ my` mgš^‡qi ci GLbI wecyj cwigvY †kÖwYweb¨vwmZ FY i‡q‡Q| Aciw`‡K, ivóª gvwjKvbvaxb, we‡`wk Ges †emiKvwi e¨vsK¸‡jvi †kÖwYweb¨vwmZ F‡Yi wecix‡Z AwZwi³ cÖwfkb msiwÿZ i‡q‡Q| wW‡m¤^i 2014-G ivóª gvwjKvbvaxb evwYwR¨K e¨vsK, †emiKvwi e¨vsK Ges we‡`wk e¨vsKmg~‡ni †gvU wbU F‡Yi Zzjbvq †kÖwYweb¨vwmZ F‡Yi nvi wQj h_vμ‡g kZKiv 6.1, 0.8 Ges -0.9 fvM| GKBfv‡e, Ryb 2015 †k‡l ivóª gvwjKvbvaxb evwYwR¨K e¨vsK, we‡klvwqZ e¨vsK, †emiKvwi e¨vsK Ges we‡`wk e¨vsKmg~‡ni †gvU wbU F‡Yi Zzjbvq †kÖwYweb¨vwmZ F‡Yi nvi wQj h_vμ‡g kZKiv 9.4, 9.2, 1.1 Ges -0.4 fvM|
5.14 mviYx 5.3 (L) G Pvi ai‡bi e¨vs‡Ki 2007 n‡Z 2015 (Ryb) mb ch©šÍ †kÖwYweb¨vwmZ F‡Yi cwigvY †`Lv‡bv n‡q‡Q| ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi †kÖwYweb¨vwmZ F‡Yi cwigvY e„w× †c‡q 2014 m‡b 227.6 wewjqb UvKvq uvwo‡q‡Q hv 2007 m‡b wQj 137.9 wewjqb UvKv| GKBfv‡e, †emiKvwi e¨vsK¸‡jvi †kÖwYweb¨vwmZ F‡Yi cwigvY
e¨vs‡Kiaib 2007 2008 2009 2010 2011 2012 2013 2014
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
224.0
58.3
223.5
19.4
525.2
227.6
72.6
184.3
17.1
501.6
137.9
37.2
49.2
1.9
226.2
127.6
37.3
57.0
2.9
224.8
117.5
42.1
61.7
3.5
224.8
107.6
49.7
64.3
5.5
227.1
91.7
56.5
72.0
6.3
226.5
215.2
73.3
130.4
8.5
427.3
166.1
83.6
143.1
13.0
405.8
2015(Ryb †k‡l)
mviYx 5.3 (L) e¨vs‡Ki †kÖwY‡f‡` †kÖwYweb¨vwmZ F‡Yi cwigvY
(wewjqb UvKv)
PvU© 5.4 (K) wbU †kÖwYweb¨vwmZ FY I F‡Yi Zzjbvg~jK Ae¯’v (wbU Ae cÖwfkb)
kZKi
v nvi
wewj
qb U
vKv
0
2
4
6
8
0100020003000400050006000
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
†gvU FY (wbU cÖwfkb)wbU †kÖwYweb¨vwmZ FY wbU †kÖwYweb¨vwmZ FYvbycvZ
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
32
mviYx 5.5 cÖwfkb ch©vßZv nv‡ii Zzjbvg~jK wPÎ
(wewjqb UvKv)
107.8122.3113.5128.6135.3105.2126.296.776.6
38.317.445.537.114.739.631.231.2100
94.897.8
103.2108.7115.4106.2126.5130.6103.2
11.612.3
106.015.316.2
105.916.217.2
106.2
cÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb msiÿ‡Yi nvi (%)cÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb msiÿ‡Yi nvi (%)cÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb msiÿ‡Yi nvi (%)
eQi AvB‡Ug Gmwmwe we‡klvwqZ †emiKvwi we‡`wk
2013
2014
2015 Ryb
2007 m‡b wQj 49.2 wewjqb UvKv hv †gvU 135.1 wewjqb UvKv e„w× †c‡q 2014 m‡b 184.3 wewjqb UvKvq uvwo‡q‡Q| we‡klvwqZ e¨vsK¸‡jvi D³ FY 2007 m‡bi 37.2 wewjqb UvKv †_‡K 2014 m‡b 72.6 wewjqb UvKvq DcbxZ n‡q‡Q| GKBfv‡e, we‡`wk e¨vsK¸‡jvi G F‡Yi cwigvY 2014 m‡b 17.1 wewjqb UvKvq `uvwo‡q‡Q hv 2007 m‡b wQj 1.9 wewjqb UvKv| Ryb 2015 †k‡l ivóª gvwjKvbvaxb, we‡klvwqZ, †emiKvwi Ges we‡`wk e¨vsKmg~‡ni †kÖwYweb¨vwmZ F‡Yi cwigvY wQj h_vμ‡g 224.0, 58.3, 223.5 Ges 19.4 wewjqb UvKv|
5.15 mviYx 5.4 G mKj e¨vs‡Ki 2007 †_‡K Ryb 2015 ch©šÍ mvgwMÖK †kÖwYweb¨vwmZ F‡Yi cwigvY, cÖ‡qvRbxq cÖwfkb I msiwÿZ cÖwfk‡bi cwigvY †`Lv‡bv n‡q‡Q| mviYx 5.4 Ges PvU© 5.6 n‡Z †`Lv hvq †h, ïaygvÎ 2009 I 2011 mb e¨ZxZ 2007 †_‡K 2014 mb ch©šÍ mvgwMÖKfv‡e e¨vsK¸‡jv †kÖwYweb¨vwmZ F‡Yi wecix‡Z cÖ‡qvRbxq cÖwfkb msiÿ‡Y e¨_© n‡q‡Q| 2007 m‡b e¨vsK¸‡jvi cÖ‡qvRbxq cÖwfkb msiÿ‡Yi nvi wQj kZKiv 76.3 fvM, hv 2011 m‡b e„w× †c‡q kZKiv 103.0 fvM G `uvwo‡q‡Q, cieZ©x mg‡q n«vm †c‡q 2013 m‡b kZKiv 99.0 fvM Ges Ryb 2015 G kZKiv 91.7 fv‡M DcbxZ n‡q‡Q|
cÖ‡qvRbxq cÖwfkb msiÿ‡Y NvUwZi g~j KviY wQj KwZcq ivóª gvwjKvbvaxb evwYwR¨K e¨vsK, we‡klvwqZ e¨vsK Ges cÖe‡jg e¨vsKmn K‡qKwU †emiKvwi e¨vs‡Ki Ach©vß gybvdv Ges FY Ae‡jvc‡bi Rb¨ cÖwfkb ¯’vbvšÍi| jÿYxq †h, mv¤úªwZK eQi¸‡jv‡Z we‡`wk gvwjKvbvaxb e¨vsK¸‡jv ch©vß cÖwfkb msiÿ‡Yi †ÿ‡Î AwaKZi fv‡jv Ae¯’v‡b i‡q‡Q| mviYx 5.5-G 2013, 2014 mb Ges Ryb 2015 -G cÖwfk‡bi me©‡kl Ae¯’vi GKwU Zzjbvg~jK wPÎ cÖ`wk©Z n‡q‡Q|
5.16 wW‡m¤^i 2014-G 39wU †emiKvwi evwYwR¨K e¨vs‡Ki g‡a¨ 37wU e¨vsKB ch©vß cÖwfkb msiÿY Ki‡Z mÿg n‡q‡Q Ges Aewkó 2wU e¨vsK m¤ú‡`i wb¤œ gvb Ges Avq Lv‡Zi ye©jZvi Kvi‡Y cÖwfkb msiÿ‡Y e¨_© n‡q‡Q|
5.17 Abvek¨K I K…wÎgfv‡e ùxZ Avw_©K weeiYx cwinviK‡í 2003 m‡b FY Ae‡jvc‡bi Rb¨ GKwU mylg bxwZgvjv Rvwi Kiv nq| D³ bxwZgvjv Abyhvqx e¨vsK g›`/ÿwZ wn‡m‡e †kÖwYweb¨vwmZ FY I AwMÖg †h †Kvb mgq Ae‡jvcb Ki‡Z cv‡i| 5 eQi I Gi †ewk mgq hver g›`/ÿwZ wn‡m‡e †kÖwYweb¨vwmZ FY Ges hvi wecix‡Z 100 fvM cÖwfkb msiwÿZ i‡q‡Q Giƒc FY wnmve¸‡jv Ae‡jvcb Kiv hvq| mviYx 5.6-G Ryb 2008 †_‡K Ryb 2015 ch©šÍ e¨vsK¸‡jvi g›` F‡Yi
PvU© 5.5 e¨vs‡Ki †kÖwY‡f‡` †kÖwYweb¨vwmZ F‡Yi Zzjbvg~jK Ae¯’v
wewj
qb U
vKv
wewjq
b UvK
v
kZKi
v nvi
PvU© 5.6 mKj e¨vs‡Ki cÖwfkb ch©vßZvi weeiY
0
50
100
150
200
250
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
25
45
65
85
105
125
0100200300400500600
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
Gmwmwe †emiKvwi we‡klvwqZ we‡`wk
†kÖwYweb¨vwmZ F‡Yi cwigvYcÖwfkb msi¶‡Yi nvi
msiw¶Z cÖwfkb
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
33
wecix‡Z †gvU Ae‡jvcbK…Z F‡Yi cwigvY †`Lv‡bv n‡q‡Q|
K.4. myôy e¨e¯’vcbv
5.18 myôz e¨e¯’vcbvi ˆewk󨸇jv mvaviYZ ¸YevPK nIqvq Avw_©K m~PK¸‡jvi wfwˇZ myôy e¨e¯’vcbvi gvb wba©viY Kiv KwVb| Z_vwc †gvU Avq-e¨q AbycvZ, cwiPvjb e¨q I †gvU e¨q AbycvZ, Kg©Pvix cÖwZ Avq I cwiPvjb e¨q Ges my` nv‡ii e¨eavb BZ¨vw` myôy e¨e¯’vcbv g~j¨vq‡bi gvcKvwV wn‡m‡e we‡ewPZ| AwaKš‘, e¨e¯’vcbvi ¸YMZ gvb g~j¨vq‡bi †ÿ‡Î ga¨g Ges D”P ch©v‡qi e¨e¯’vcbvi cÖhyw³MZ `ÿZv I †bZ…Z¡, cwiKíbv ev¯Íevqb Ges mg‡qvc‡hvMx D‡`¨vM MÖnY BZ¨vw` we‡ePbv Kiv nq|
5.19 mviYx 5.7 †_‡K j¶¨ Kiv hvq †h, 2014 m‡b we‡klvwqZ e¨vsK¸‡jvi e¨q-Av‡qi AbycvZ wQj m‡e©v”P| ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi e¨q-Av‡qi AbycvZ kZKiv 84.1 fvM hv wØZxq m‡e©v”P Ae¯’v‡b i‡q‡Q, hvi g~j KviY wQj D”P cÖkvmwbK I cwiPvjb e¨q| we‡klvwqZ e¨vsK¸‡jvi e¨q-Av‡qi AbycvZ 2013 m‡b kZKiv 94.8 fvM n‡Z e„w× †c‡q 2014 m‡b kZKiv 99.5 fv‡M `uvwo‡q‡Q| †emiKvwi I we‡`wk evwYwR¨K e¨vsK¸‡jvi e¨q-Av‡qi AbycvZ weMZ eQ‡ii Zzjbvq n«vm †c‡q h_vμ‡g kZKiv 75.8 fvM I 46.8 fvM-G uvwo‡q‡Q| Ryb 2015-G ivóª gvwjKvbvaxb evwYwR¨K e¨vsK, we‡klvwqZ e¨vsK Ges we‡`wk evwYwR¨K e¨vsK¸‡jvi e¨q-Av‡qi AbycvZ e„w× †c‡q h_vμ‡g kZKiv 85.9 fvM, 120.4 fvM Ges 49.6 fvM-G `uvwo‡q‡Q| ZvQvov, weMZ eQ‡ii Zzjbvq †emiKvwi evwYwR¨K e¨vsK¸‡jvi e¨q-Av‡qi Abycv‡Z D‡jøL‡hvM¨ †Kvb cwieZ©b cwijwÿZ nqwb|
K.5. gybvdv I DcvR©bkxjZv
5.20 DcvR©b Ges gybvdv cwigv‡ci wewfbœ c×wZ _vK‡jI me‡P‡q fvj Ges e¨vcKfv‡e e¨enƒZ m~PK n‡”Q m¤ú‡`i Dci Avqnvi (ROA) hvi cwic~iK AbycvZ wn‡m‡e KvR K‡i BKz¨BwUi Dci Avq nvi (ROE) Ges wbU my` gvwR©b (NIM)|
5.21 ROA Ges ROE Øviv cwigvcK…Z DcvR©b ¶gZvi wbwi‡L e¨vsK¸‡jvi g‡a¨ e¨vcK ZviZg¨ cwijw¶Z n‡q _v‡K| wewfbœ ai‡bi e¨vs‡Ki ROA Ges ROE mviYx 5.8-G cÖ`k©b Kiv n‡q‡Q| G m~PK¸‡jv we‡køl‡Y †`Lv hvq †h, ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi ROA wQj e¨vswKs Lv‡Zi Mo kZKiv nv‡ii wb‡P| ivóª gvwjKvbvaxb evwYwR¨K
mviYx 5.6 e¨vs‡Ki †kÖwY‡f‡` Ae‡jvcbK…Z F‡Yi cwigvY
(wewjqb UvKv)30 Ryb
1530 Ryb
0830 Ryb
0930 Ryb
1030 Ryb
1130 Ryb
1230 Ryb
1430 Ryb
13Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
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210.3
5.6
155.5
5.1
376.5
48.4
31.0
49.4
1.7
130.5
64.5
31.8
54.7
2.0
153.0
70.5
31.8
69.6
2.1
174.0
82.4
32.0
77.1
2.4
193.9
154.8
34.2
127.7
4.4
321.1
107.2
32.6
109.7
3.7
253.3
72.9
24.5
64.9
2.6
164.9
e¨vs‡Kiaib
mviYx 5.7 e¨vs‡Ki †kÖwY‡f‡` e¨q-Avq AbycvZ
(wewjqb UvKv)
e¨vs‡Kiaib 2007 2008 2009 2010 2011 2012 2013 2014
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
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84.1
99.5
75.8
46.8
76.1
100.0
107.7
88.8
72.9
90.4
89.6
103.7
88.4
75.8
87.9
75.6
112.1
72.6
59.0
72.6
80.7
87.8
67.6
64.7
70.8
62.7
88.6
71.7
47.3
68.6
84.1
94.8
77.9
50.4
77.8
85.9
120.4
75.5
49.6
78.3
73.2
91.2
76.0
49.6
74.0
PvU© 5.7 mKj e¨vs‡Ki e¨q-Av‡qi GKxf‚Z wPÎ
kZKi
v nvi
wewj
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Ryb2015
6065707580859095
0
200
400
600
800
1000
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
†gvU e¨q †gvU Avq e¨q-Avq AbycvZ
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
34
e¨vsK¸‡jvi ROA 2011 mb ch©šÍ μgvš^‡q e„w× †c‡jI 2012 m‡b wecyj cwigvY wbU ÿwZ nIqvq ROA FYvZ¥K (kZKiv -0.6 fvM) n‡q‡Q| 2013 m‡b D³ e¨vsK¸‡jvi ROA e„w× †c‡q abvZ¥K n‡jI 2014 m‡b Zv n«vm †c‡q cybivq FYvZ¥K (kZKiv -0.6 fvM) n‡q‡Q| we‡Kwe Ges ivKve KZ©…K μgvMZ cwiPvjb ÿwZ nIqvq we‡klvwqZ e¨vsK¸‡jvi †ÿ‡Î G nv‡ii †Zgb †Kvb Dbœqb cwijwÿZ nqwb| 2014 m‡b we‡klvwqZ e¨vsK¸‡jvi ROA c~‡e©i Zzjbvq AviI Aebgb n‡q FYvZ¥K (kZKiv -0.7 fvM) n‡q‡Q| †emiKvwi evwYwR¨K e¨vsK¸‡jvi ROA 2010 mb ch©šÍ avivevwnKfv‡e kw³kvjx gvÎvq _vK‡jI wbU gybvdv n«vm cvIqvq 2011 mb n‡Z 2014 mb ch©šÍ Zv‡Z wb¤œgyLx cÖeYZv cwijwÿZ n‡q‡Q| we‡`wk e¨vsK¸‡jvi ROA MZ K‡qK eQ‡i avivevwnKfv‡e kw³kvjx gvÎvq _vK‡jI 2013 m‡b Zv mvgvb¨ n«vm †c‡q‡Q, cieZ©x‡Z 2014 m‡b mvgvb¨ Dbœqb n‡jI Ryb 2015-G cybivq Zv n«vm †c‡q‡Q|
5.22 2014 m‡b ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi †ÿ‡Î FYvZ¥K ROE cwijwÿZ n‡q‡Q| †ewmK e¨vs‡Ki wekvj ÿwZi Kvi‡Y GwU 2013 m‡bi kZKiv 10.9 fvM †_‡K 2014 m‡b FYvZ¥K kZKiv 13.5 fvM Ges Ryb 2015 G AviI n«vm †c‡q `uvovq FYvZ¥K kZKiv 22.5 fv‡M| we‡klvwqZ e¨vsK¸‡jvi 2014 m‡b ROE wQj FYvZ¥K kZKiv 6.0 fvM hv 2013 m‡b wQj FYvZ¥K kZKiv 5.8 fvM| †emiKvwi evwYwR¨K e¨vsK¸‡jvi 2014 m‡bi ROE e„w× †c‡q kZKiv 10.3 fv‡M `uvwo‡q‡Q hv 2013 m‡b wQj kZKiv 9.8 fvM Ges Ryb 2015-G cybivq n«vm †c‡q
kZKiv 9.7 fv‡M `uvwo‡q‡Q| we‡`wk e¨vsK¸‡jvi ROE 2014 m‡b kZKiv 17.7 fv‡M uvwo‡q‡Q hv 2013 m‡b wQj kZKiv 16.9 fvM Ges Ryb 2015-G K‡g kZKiv 15.7 fv‡M uvovq|
5.23 e¨vswKs Lv‡Zi mvgwMÖK wbU my` Avq (NII) e¨vcKfv‡e e„w× †c‡q 2014 m‡b 274.2 wewjqb UvKvq uvwo‡q‡Q hv 2013 m‡b wQj 132.3 wewjqb UvKv| ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi wbU my` Avq 2013 m‡b 5.4 wewjqb (FYvZ¥K) UvKvq †b‡g Avm‡jI 2014 m‡b e¨vsK¸‡jv 39.7 wewjqb
mviYx 5.8 e¨vs‡Ki †kÖwY‡f‡` gybvdv AR©‡bi nvi
Gmwmwe
we‡klvwqZ
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-0.6
-1.5
0.9
3.1
0.5
-0.6
-0.7
1.0
3.4
0.6
0.0
-0.3
1.3
3.1
0.9
0.7
-0.6
1.4
2.9
1.2
1.0
0.4
1.6
3.2
1.4
1.1
0.2
2.1
2.9
1.8
1.3
0.1
1.6
3.2
1.5
0.6
-0.4
1.0
3.0
0.9
-0.6
0.1
0.9
3.3
0.6
-22.5
-8.2
9.7
15.7
6.6
-13.5
-6.0
10.3
17.7
8.1
0.0
-3.4
16.7
20.4
13.8
22.5
-6.9
16.4
17.8
15.6
26.2
-171.7
21.0
22.4
21.7
18.4
-3.2
20.9
17.0
21.0
19.7
-0.9
15.7
16.6
17.0
10.9
-5.8
9.8
16.9
11.0
-11.9
-1.1
10.2
17.3
8.2
(kZKiv nvi)
e¨vs‡Kiaib 2007 2008 2009 2010 2011 2012 2013 2014 2007 2008 2009 2010 2011 2012 2013 2014
m¤ú‡`i Avq nvi (ROA) BKy¨BwUi Avq nvi (ROE)
mviYx 5.9 e¨vs‡Ki †kÖwY‡f‡` wbU my` Avq
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39.7
2.1
205.8
26.6
274.2
7.4
1.4
36.1
9.9
54.8
7.9
1.9
48.5
12.6
70.9
12.1
1.9
56.7
10.7
81.5
19.8
6.2
82.8
13.0
121.9
34.3
4.9
91.4
16.1
146.7
19.4
1.9
105.0
14.1
140.3
-5.4
3.8
118.2
15.8
132.3
14.9
4.7
114.7
19.6
153.8
e¨vs‡Ki aib 2007 2008 2009 2010 2011 2012 2013 2014
PvU© 5.8 mgwš^Z DcvR©bkxjZv-mKj e¨vsK
BKz¨BwUi Avq nvim¤ú‡`i Avq nvi
kZKi
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Ryb 2015
Ryb 2015
Ryb 2015
0
6
12
18
24
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
35
mviYx 5.10 e¨vs‡Ki †kÖwY‡f‡` Zvi‡j¨i nvi
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42.06.6
28.256.932.7
24.914.222.229.223.2
32.913.720.731.324.8
25.19.6
18.231.820.6
27.221.321.532.123.0
31.36.9
23.534.125.4
44.315.328.046.232.5
39.30.0
20.851.126.8
29.212.026.337.527.1
23.96.6
11.037.615.7
6.95.66.4
11.26.9
14.94.94.7
13.38.4
17.67.15.3
21.89.0
8.22.34.6
13.26.0
12.31.36.6
15.38.4
25.34.2
11.327.415.4
26.40.0
11.938.916.9
10.21.09.5
18.79.9
(kZKiv nvi)
e¨vs‡Kiaib
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K.6. Zvij¨
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2007 2008 2009 2010 2011 2012 2013 2014 2007 2008 2009 2010 2011 2012 2013 2014Ryb 2015
Ryb 2015
050100150200250300
0
200
400
600
800
1000
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
05
101520253035
2005
2006
2007
2008
2009
2010
2011
2012
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my` Avq my` e¨q wbU my` Avq
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e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
36
cwiPvwjZ e¨vsK¸‡jv Ges evwYwR¨K e¨vs‡Ki Bmjvwg kvLvmg~‡ni SLR msiÿ‡Yi cwigvY Zv‡`i †gvU Zjwe I †gqvw` `v‡qi kZKiv 5.5 fvM| we‡klvwqZ e¨vsK¸‡jv‡K SLR msi¶‡Yi eva¨evaKZv n‡Z Ae¨vnwZ †`qv n‡q‡Q Z‡e Dc‡i DwjøwLZ nv‡i Zv‡`i‡K bM` Zij m¤ú` (CRR) msiÿY Ki‡Z nq| CRR evsjv‡`k e¨vs‡Ki mv‡_ bM‡` msi¶Y Ki‡Z nq Z‡e SLR msiÿ‡Yi Rb¨ e¨vsK¸‡jv miKvi Aby‡gvw`Z wmwKDwiwUR (`vqnxb Ask) aviY Ki‡Z cv‡i|
5.26 mviYx 5.10 n‡Z †`Lv hvq †h, we‡`wk evwYwR¨K e¨vsK¸‡jvi ci ivóª gvwjKvbvaxb e¨vsK¸‡jvi Zij m¤ú` msi¶‡Yi nvi m‡e©v”P wQj| mvwe©K wePv‡i weMZ eQ‡i e¨vsK¸‡jvi †gvU m¤ú‡`i g‡a¨ Zij m¤ú‡`i kZKiv cwigv‡Yi w¯’wZkxj Ae¯’v eRvq wQj hw`I we‡`wk e¨vsK¸‡jvi †ÿ‡Î EaŸ©gyLx cÖeYZv cwijwÿZ nq|
K.7. K¨v‡gjm& (CAMELS) †iwUs
5.27 K¨v‡gjm& †iwUs Ggb GKwU Z`viwK e¨e¯’v hvi gva¨‡g wbweo Z`viwKi cÖ‡qvRb Giƒc mgm¨v KewjZ e¨vsKmg~n wPwýZ Kiv nq| AvšÍR©vwZK gv‡bi e¨vswKs Gi mv‡_ mvgÄm¨ †i‡L Pjv, AvaywbK e¨vswKs Kvh©μg‡K hy‡Mvc‡hvMx Kiv Ges e¨vs‡Ki my¯’Zv Av‡iv wbfz©jfv‡e wbY©‡qi j‡¶¨ c~e©eZ©x K¨v‡gjm& †iwUs wb‡`©wkKvwU wWcvU©‡g›U Ae Ad-mvBU mycviwfkb KZ…©K cybtg~j¨vqb Kiv n‡q‡Q| bZzb cÖewZ©Z wb‡`©wkKvwU wW‡m¤^i 2013 mb †_‡K K¨v‡gjm& †iwUs wbY©‡qi †ÿ‡Î Abym„Z n‡”Q|
ms‡kvwaZ wb‡`©wkKvwU‡Z AbycvZ ev m~PK Gi †¶‡ÎB ïay eo ai‡bi cwieZ©b Avbqb Kiv n‡q‡Q Zv bq, eis ¸YMZ g~j¨vq‡bi †¶‡ÎI cÖkœgvjv (Questionnaire) bZzbfv‡e web¨¯Í Kiv n‡q‡Q| wb‡`©wkKv ch©v‡jvPbvi †¶‡Î g~jab ch©vßZv msμvšÍ e¨v‡mj-3 bxwZgvjv‡K we‡ePbvq †bqv n‡q‡Q Ges G m¤úwK©Z KwZcq Ab¨vb¨ welq AšÍfz©³ Kiv n‡q‡Q| g~jab ch©vßZv wnmvevq‡bi †¶‡Î DËg gvbm¤úbœ g~ja‡bi Ici ¸iæZ¡v‡ivc Kivmn g~ja‡bi Zzjbvq cyuwRevRv‡i wewb‡qvM I e¨v‡jÝkxU ewnf‚©Z `dvi
cwigvY, †gvU g~ja‡bi Zzjbvq e„n`vsK F‡Yi cwigvY BZ¨vw` welqI AšÍfz©³ Kiv n‡q‡Q| bZzb K¨v‡gjm& †iwUs wb‡`©wkKvwU‡Z m¤ú‡`i ¸YMZgvb g~j¨vq‡bi Rb¨ †kÖwYK…Z F‡Yi nvi I cÖwfkwbs cwiw¯’wZi cvkvcvwk mvwe©Kfv‡e e¨vs‡Ki †jvb †cvU©‡dvwjI †K›`ªxf‚Z wKbv Zv hvPvB Kivi Rb¨ HHI (Herfindahl-Hirschman Index) cÖeZ©b Kiv n‡q‡Q| SzuwKc~Y© wewfbœ Lv‡Z cÖ`Ë F‡Yi cwigvYI wnmvevq‡b AšÍf©y³ Kiv n‡q‡Q| K¨v‡gjm& †iwUs Gi AvIZvq e¨vsK¸‡jv‡K `yB cÖKvi †iwUs Av‡iv‡ci gva¨‡g g~j¨vqb Kiv nq- (1) Dcv`vbwfwËK cvidi‡gÝ †iwUs, hv K¨v‡gjm& Gi QqwU Dcv`vb A_©vr g~jab ch©vßZv, m¤ú‡`i ¸YMZ gvb, e¨e¯’vcbv, DcvR©b ¶gZv, Zvij¨ I evRvi SzuwKi cÖwZ ms‡e`bkxjZv Gi wfwˇZ wbY©q Kiv nq Ges (2) mgwš^Z K¨v‡gjm& †iwUs, hv e¨vs‡Ki mvwe©K Avw_©K Ae¯’vi wfwˇZ wbY©xZ n‡q _v‡K| Dfq cÖKvi †iwUs Ô1-5Õ †¯‹‡j wbY©q Kiv nq †hLv‡b Ô1Õ Gi gva¨‡g me‡P‡q fvj ev DrK…ó †iwUs Ges Ô5Õ Gi gva¨‡g me‡P‡q Lvivc ev wbK…ó †iwUs †evSv‡bv nq| †Kvb e¨vs‡Ki mgwš^Z K¨v‡gjm& †iwUs Ô4Õ ev Ô5Õ A_©vr ÔcÖvwšÍKÕ ev ÔAm‡šÍvlRbKÕ wbY©xZ n‡j mvaviYZ H e¨vsKwU‡K ÔcÖe‡jg e¨vsKÕ wn‡m‡e wPwýZ Kiv nq Ges Gi Kvh©vejx I Avw_©K Ae¯’v evsjv‡`k e¨vsK KZ…©K wbweofv‡e ch©‡e¶Y Kiv nq|
5.28 K¨v‡gjm& m~P‡Ki gva¨‡g wPwýZ e¨vsK¸‡jvi `ye©jZv ~i Kivi Rb¨ evsjv‡`k e¨vsK gvP© 2005 n‡Z Avwj© Iqvwb©s wm‡÷g (EWS) mycviwfkb c×wZ cÖeZ©b K‡i‡Q| †Kvb e¨vs‡Ki Kvh©μ‡g `ye©jZv cwijw¶Z n‡j Zv‡K EWS Gi AvIZvq wb‡q Avmv nq Ges wbweofv‡e ch©‡e¶‡Yi gva¨‡g Gi Kvh©μ‡gi gv‡bvbœq‡b mnvqZv Kiv nq| eZ©gv‡b †Kvb e¨vsK EWS ch©‡e¶‡Yi Aax‡b †bB|
5.29 cÖewZ©Z bZzb K¨v‡gjm& †iwUs wb‡`©wkKv Abyhvqx wW‡m¤^i 2014-G †Kvb e¨vs‡Ki †iwUs Ô1Õ ev Ôkw³kvjxÕ wbYx©Z nqwb, 39wU e¨vs‡Ki †iwUs Ô2Õ ev Ôm‡šÍvlRbKÕ, 10wU e¨vs‡Ki †iwUs Ô3Õ ev Ô†gvUvgywU fvjÕ, 5wU e¨vs‡Ki †iwUs Ô4Õ ev ÔcÖvwšÍKÕ Ges 2wU e¨vs‡Ki †iwUs Ô5Õ ev ÔAm‡šÍvlRbKÕ wQj|
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
37
K.8. kni I MÖvgxY A‡j e¨vsK¸‡jvi Kvh©μg
5.30 wW‡m¤^i 2014 †k‡l e¨vsK¸‡jvi MÖvgxY kvLvi msL¨v uvwo‡q‡Q 5150wU, hv e¨vsK¸‡jvi †gvU kvLvi kZKiv 57.0 fvM (cwiwkó-4, mviYx-13)| GKB mg‡q e¨vsK¸‡jvi kn‡i Aew¯’Z kvLvi msL¨v 3890wU‡Z DbœxZ n‡q‡Q (†gvU kvLvi kZKiv 43.0 fvM)| wW‡m¤^i 2014 †k‡l e¨vsK¸‡jvi MÖvgxY kvLv¸‡jvi †gvU Avgvb‡Zi cwigvY 1326.0 wewjqb UvKvq (†gvU Avgvb‡Zi kZKiv 19.1 fvM) Ges kû‡i kvLv¸‡jvi †gvU Avgvb‡Zi cwigvY 5605.2 wewjqb UvKvq (†gvU Avgvb‡Zi kZKiv 80.9 fvM) DbœxZ n‡q‡Q| GKB mg‡q MÖvgxY Ges kniv‡j AwMÖ‡gi cwigvY e„w× †c‡q h_vμ‡g 505.1 wewjqb UvKv (†gvU AwMÖ‡gi kZKiv 10.0 fvM) Ges 4571.2 wewjqb UvKvq (†gvU AwMÖ‡gi kZKiv 90.0 fvM) `uvwo‡q‡Q|
K.9. BmjvwgK e¨vswKs
5.31 1983 mb n‡Z evsjv‡`‡k BmjvwgK e¨vswKs Kvh©μg ïiæ n‡q‡Q| A_©eQi 15-G evsjv‡`‡k Kvh©iZ 56wU e¨vs‡Ki g‡a¨ 8wU †emiKvwi e¨vsK c~Y©v½ Bmjvwg e¨vsK Ges 16wU cÖPwjZ e¨vsK (wZbwU we‡`wk e¨vsKmn) BmjvwgK e¨vswKs kvLvi gva¨‡g BmjvwgK e¨vswKs Kvh©μg cwiPvjbv K‡i‡Q| ïiæ n‡ZB Bmjvwg e¨vswKs LvZ †Rviv‡jv cÖe„w× eRvq †i‡L Pj‡Q; hv mgMÖ e¨vswKs Lv‡Z m¤ú`, A_©vqb Ges AvgvbZ we‡ePbvq Bmjvwg e¨vswKs Lv‡Zi ewa©Z gv‡K©U †kqvi Gi gva¨‡g cÖwZdwjZ n‡”Q| mviYx
5.11 G Bmjvwg e¨vswKs Kvh©μ‡gi GKwU mswÿß wPÎ cÖ`k©b Kiv n‡q‡Q| wW‡m¤^i 2014 †k‡l mKj Bmjvwg e¨vsK Ges cÖPwjZ e¨vsK¸‡jvi Bmjvwg e¨vswKs kvLv¸‡jvi †gvU Avgvb‡Zi cwigvY uvwo‡q‡Q 1417.3 wewjqb UvKvq, hv mgMÖ e¨vswKs Lv‡Zi †gvU Avgvb‡Zi kZKiv 20.3 fvM| wW‡m¤^i 2014 †k‡l mKj Bmjvwg e¨vsK Ges cÖPwjZ e¨vsK¸‡jvi Bmjvwg e¨vswKs kvLv¸‡jvi †gvU wewb‡qv‡Mi cwigvY `uvwo‡q‡Q 1195.4 wewjqb UvKvq, hv †`‡ki mgMÖ e¨vswKs Lv‡Zi †gvU wewb‡qv‡Mi kZKiv 22.2 fvM|
L. AvBbMZ KvVv‡gv I cÖwewaMZ eva¨evaKZv
L.1. e¨vsK¸‡jvi Rb¨ SzuwKwfwËK g~jab ch©vßZv
5.32 evsjv‡`k e¨vsK †i¸‡jUwi eva¨evaKZv wn‡m‡e Rvbyqvwi 2010 n‡Z e¨vsK¸‡jvi Rb¨ SzuwKwfwËK g~jab ch©vßZvi KvVv‡gv cÖeZ©b K‡i‡Q| GQvov, we`¨gvb SzuwKwfwËK g~jab ch©vßZvi bxwZ Ges e¨vsK¸‡jvi c~‡e©i g~jab ch©vßZvi cÖwZ‡e`b ms‡kvab K‡i evsjv‡`k e¨vsK 2010 m‡b b~¨bZg g~jab ch©vßZvi nvi Ges b~¨bZg cÖ‡qvRbxq g~ja‡bi cwigvY cybivq wba©viY K‡i‡Q| RyjvB 2011 n‡Z e¨vsK¸‡jv‡K SzuwKwfwËK m¤ú‡`i kZKiv 10.0 fv‡Mi mgcwigvY ev Z`~aŸ© g~jab ch©vßZvi nvi msi¶Y Ki‡Z n‡”Q| e¨v‡mj-2 Gi wcjvi-1 Abyhvqx FY SzuwK (credit risk), evRvi SzuwK (market risk) Ges cwiPvjb SzuwK (operational risk) Gi wecix‡Z e¨vsKmg~n SzuwKwfwËK m¤ú` wnmvevqb K‡i _v‡K| cÖwZ ˆÎgvwmK †k‡l g~jab ch©vßZvi weeiYx evsjv‡`k
mviYx 5.11 Bmjvwg e¨vswKs Lv‡Zi Zzjbvg~jK wPÎ (wW‡m¤^i 2014 †k‡l)(wewjqb UvKv)
weeiY Bmjvwg e¨vsK cÖPwjZ e¨vs‡KiBmjvwg kvLv*
Bmjvwg e¨vswKsLvZ
mKj Zdwmwje¨vsK
e¨vs‡Ki msL¨v†gvU AvgvbZ†gvU wewb‡qvMwewb‡qvM-AvgvbZ AbycvZZvij¨t DØ„Ë (+)/NvUwZ(-)
81349.71137.6
84.3127.5
81117.9951.385.191.2
1667.657.785.4
0.1
1661.052.568.13.1
241417.31195.4
84.3128.2
241178.91003.7
85.294.3
566965.15147.2
73.91142.2
566273.04638.7
73.9955.8
2014 2013 2014 2013 2014 2013 2014 2013 1 2 3 4=2+3 5
* cÖPwjZ e¨vsK¸‡jvi Bmjvwg e¨vswKs kvLv/kvLv¸‡jv Avjv`vfv‡e GmGjAvi msiÿY K‡i bv| mswkøó e¨vs‡Ki cÖavb Kvh©vjq mgwš^Zfv‡e GmGjAvi msiÿY Ges Zvij¨ DØ„Ë/NvUwZ wnmve K‡i _v‡K|
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
38
e¨vs‡K `vwL‡ji Rb¨ e¨vsK¸‡jv‡K wb‡`©kbv cÖ`vb Kiv n‡q‡Q| eZ©gv‡b evsjv‡`k e¨vsK SzuwKwfwËK g~jab ch©vßZv KvVv‡gvi ZË¡veavb ch©v‡jvPbv c×wZ (supervisory review process) ev¯Íevq‡bi KvR Ki‡Q| ZË¡veavb ch©v‡jvPbv c×wZ ev supervisory review process (SRP)- Gi g~j bxwZ n‡jv Òe¨vsK¸‡jv‡Z wi¯‹ †cÖvdvB‡ji Av‡jv‡K mvgwMÖK g~jab ch©vßZv wbiƒc‡Yi Rb¨ GKwU cÖwμqv Ges ch©vß gvÎvq g~jab msi¶‡Yi Rb¨ GKwU †KŠkj _vK‡Z n‡eÓ| e¨vsK¸‡jv‡K GKwU SRP wUg MV‡bi Rb¨ wb‡`©kbv cÖ`vb Kiv n‡q‡Q, †hLv‡b wi¯‹ g¨v‡bR‡g›U BDwbU n‡”Q GKwU Awe‡”Q`¨ Ask| GQvov, e¨vsK¸‡jv‡K Zv‡`i mvgwMÖK wi¯‹ †cÖvdvBj wbiƒc‡Yi Rb¨ Internal Capital Adequacy Assessment Process (ICAAP) kxl©K GKwU cÖ‡mm WKz‡g›U cÖYqb Kivi wb‡`©kbv cÖ`vb Kiv n‡q‡Q|
evsjv‡`k e¨vsK e¨v‡mj-3 ev¯Íevq‡bi Rb¨ †ivWg¨vc Ges Kg©cwiKíbvI cÖ`vb K‡i‡Q| GB wb‡`©kbv¸‡jv av‡c av‡c MÖnY Kiv n‡e Ges B‡Zvg‡a¨ Rvbyqvwi 2015 n‡Z cÖv_wgK av‡ci ev¯Íevqb ïiæ n‡q‡Q| wW‡m¤^i 2019-G e¨v‡mj-3 Gi m¤ú~Y© ev¯Íevqb n‡e e‡j Avkv Kiv n‡”Q| bZzb g~jab ch©vßZv KvVv‡gvi AvIZvq e¨vsK¸‡jv‡K wb‡¤œ ewY©Z AbycvZ¸‡jv msiÿY Ki‡Z n‡et
1. Kgb BKz¨BwU wUqvi-1 g~jab n‡e †gvU SzuwKwfwËK m¤ú‡`i Kgc‡ÿ kZKiv 4.5 fvM|
2. wUqvi-1 g~jab n‡e †gvU SzuwKwfwËK m¤ú‡`i Kgc‡ÿ kZKiv 6.0 fvM| A_©vr AwZwi³ wUqvi-1 g~jab †gvU SzuwKwfwËK m¤ú‡`i m‡e©v”P kZKiv 1.5 fvM ev Kgb BKz¨BwU wUqvi-1 g~ja‡bi kZKiv 33.3 fvM (`yÕ‡qi g‡a¨ †hwU †ewk) ch©šÍ n‡Z cvi‡e|
3. b~¨bZg g~jab ch©vßZvi nvi (CRAR) n‡e †gvU SzuwKwfwËK m¤ú‡`i kZKiv 10.0 fvM| A_©vr wUqvi-2 g~jab †gvU SzuwKwfwËK m¤ú‡`i m‡e©v”P kZKiv 4.0 fvM ev Kgb BKz¨BwU wUqvi-1
g~ja‡bi kZKiv 88.9 fvM ( yÕ‡qi g‡a¨ †hwU †ewk) ch©šÍ n‡Z cvi‡e|
4. b~¨bZg g~jab ch©vßZvi nvi QvovI e¨vsK¸‡jv‡K †gvU SzuwKwfwËK m¤ú‡`i kZKiv 2.5 fvM Avc`Kvjxb myiÿv wn‡m‡e AwZwi³ Kgb BKz¨BwU wUqvi-1 g~jab msiÿY Ki‡Z n‡e|
5.33 ZË¡veavb ch©v‡jvPbv g~j¨vqb c×wZ ev Supervisory Review Evaluation Process (SREP) Gi Aax‡b e¨vsK¸‡jvi SRP wUg Gi mv‡_ Zv‡`i ICAAP msμvšÍ ch©‡e¶Y wel‡q evsjv‡`k e¨vs‡Ki msjvc AšÍf©y³ i‡q‡Q| D³ SRP-SREP msjvcKv‡j evsjv‡`k e¨vsK cwigvYMZ I ¸YMZ w`K we‡ePbvq wb‡q mswkøó e¨vs‡Ki ch©vß g~ja‡bi cwigvY wbY©q K‡i _v‡K| 2011 m‡b cÖ_g SREP msjvc ïiæ Kiv nq| Av‡jvP¨ msjvc mnRZi Kivi j‡¶¨ evsjv‡`k e¨vs‡Ki c¶ †_‡K †g 2013 †Z GKwU ms‡kvwaZ c×wZMZ `wjj cÖYqb Kiv n‡q‡Q| G c×wZMZ `wj‡ji AvIZvq e¨vsK¸‡jv‡K †iwmWzqvj SzuwK, gyL¨ SzuwK¸‡jvi e¨e¯’vcbv msμvšÍ g~j¨vqb, FY cyÄxf~ZKiY SzuwK, my` nvi SzuwK, Zvij¨ SzuwK, mybvg SzuwK, †jb‡`b wb®úwËi SzuwK, †KŠkjMZ SzuwK, cwi‡ekMZ SzuwK Ges Ab¨vb¨ e¯‘MZ SzuwK msμvšÍ Z_¨ wba©vwiZ dig¨v‡U evsjv‡`‡k e¨vs‡K `vwL‡ji wb‡`©kbv cÖ`vb Kiv n‡q‡Q| G cÖwμqvq e¨vs‡Ki ICAAP msμvšÍ Z_¨vw` evsjv‡`k e¨vs‡Ki Ab-mvBU Ges Ad-mvBU mycviwfkb wefvM¸‡jv‡Z msiw¶Z Z_¨vejxi mv‡_ wgwj‡q †`Lv nq| SRP-SREP msjvcKv‡j e¨vsK¸‡jv SzuwK e¨e¯’vcbv wel‡q h_vh_ cÖgvYmn Z_¨ I ev¯Íem¤§Z ch©v‡jvPbv `vwL‡j mg_© bv n‡j evsjv‡`k e¨vs‡Ki cwi`k©b wefv‡Mi cÖvß Z‡_¨i wfwˇZ e¨vsK¸‡jvi Rb¨ g~jab ch©vßZvi ¯Íi wba©viY Kiv nq| †g 2014 †Z cÖ‡mm WKz‡g›UwU cybivq ms‡kvab Kiv n‡q‡Q, hvi Dci wfwË K‡i 56wU e¨vsK (bZzb 9wU e¨vsKmn) 31 wW‡m¤^i 2013 wfwËK ICAAP msμvšÍ wi‡cvU© `vwLj K‡i‡Q Ges Ryb 2015 Gi g‡a¨ e¨vswKs cÖwewa I bxwZ wefvM I 40wU e¨vs‡Ki SRP wUg Gi mv‡_ c„_K mfvI m¤úbœ n‡q‡Q|
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
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L.2. FY †kÖwYKiY Ges cÖwfkwbs
5.34 A_©eQi 13-G evsjv‡`k e¨vsK FY †kÖwYweb¨vmKiY I cÖwfkwbs msμvšÍ bxwZgvjv cwieZ©b K‡i‡Q| evsjv‡`k e¨vsK †Ljvwc FY (GKwU AvBbMZ aviYv hv e¨vsK‡K FYMÖnxZvi weiæ‡× wbw`©ó wKQz c`‡ÿc †bqvi AwaKvi cÖ`vb K‡i) Ges †kÖwYK…Z FY (wnmveweÁv‡bi aviYv †hLv‡b F‡Yi m¤¢ve¨ ÿwZi Rb¨ wbw`©ó cwigvY cÖwfkb ivLvi wbqg) Gi aviYv cÖeZ©b I G‡`i g‡a¨ cv_©K¨ my¯úóxKiY K‡i‡Q|
L.3. e¨vsK¸‡jv‡Z mykvmb cÖwZôv
5.35 e¨vsKmg~‡n mykvmb cÖwZôvi j‡ÿ¨ mv¤úªwZK mg‡q evsjv‡`k e¨vsK bvbvwea c`‡ÿc MÖnY K‡i‡Q| G¸‡jvi g‡a¨- †emiKvwi evwYwR¨K e¨vs‡Ki cÖavb wbe©vnx wb‡qv‡Mi †ÿ‡Î Dchy³Zv hvPvB cixÿv (wdU A¨vÛ †cÖvcvi †U÷), cl©` AwWU KwgwUi mywbw`©ó bxwZgvjv ˆZwi, Z_¨ cÖKvk m¤úwK©Z ewa©Z wb‡`©kbv cÖf…wZ D‡jøL‡hvM¨| Dc‡iv³ ms¯‹vi cÖwμqvi avivevwnKZvq e¨e¯’vcbv KZ…©c‡ÿi ÿgZv mywbw`©ó Kiv Ges e¨vs‡Ki ˆ`bw›`b Kvh©μ‡g cwiPvjKgÐjxi n¯Í‡ÿc mxwgZ Kivi j‡ÿ¨ cl©` I e¨e¯’vcbv KZ…©c‡ÿi f‚wgKv I Kvh©μg cybtmsÁvwqZ I ¯^”Q Kiv n‡q‡Q| e¨vsK †Kv¤úvbx AvBb 1991 Gi GZ`&mswkøó avivmg~n B‡Zvg‡a¨ ms‡kvab Kiv n‡q‡Q|
M. e¨vsK¸‡jvi ZË¡veavb
5.36 Avw_©K †m±‡ii mÿgZv, ¯^”QjZv Ges c×wZMZ `„pZv ¯’vcb Ges GKBmv‡_ AvgvbZKvix‡`i m¦v_© myiÿvi j‡ÿ¨ evsjv‡`k e¨vsK (1) Ad-mvBU mycviwfkb I (2) Ab-mvBU mycviwfkb bv‡g `yÕai‡bi mycviwfkb Kvh©μg cwiPvjbv K‡i _v‡K| wWcvU©‡g›U Ae Ad-mvBU mycviwfkb e¨vs‡Ki Ad-mvBU msμvšÍ Kv‡R m`v mZK©| mv¤úªwZK mg‡q G wefvM e¨vswKs mycviwfk‡bi †ÿ‡Î cwieZ©b Avbqb K‡i‡Q|
M.1. e¨vsK¸‡jvi Ad-mvBU mycviwfkb
5.37 A_©eQi 15-G AviI wbweo I `ªæZ we‡køl‡Yi j‡¶¨ bZzb †KŠkj Ges c×wZ cÖeZ©‡bi
mv‡_ mv‡_ Ad-mvBU gwbUwis Ab-mvBU cwi`k©‡bi cwic~iK wn‡m‡e Kvh© μg Ae¨vnZ †i‡L‡Q|
e¨vswKs mycviwfkb †¯úkvwj÷ (weGmGm)
5.38 eZ©gvb e¨vswKs mycviwfkb Kvh©μg‡K AviI kw³kvjx I ZxeªZi Kivi j‡ÿ¨ mv¤úªwZK mg‡q evsjv‡`k e¨vsK Ad-mvBU mycviwfkb wWcvU©‡g‡›Ui AvIZvq QqwU e¨vswKs mycviwfkb †¯úkvwj÷ kvLv (weGmGm) MVb K‡i‡Q| cÖwZwU kvLv GKRb Dc-gnve¨e¯’vcK ch©v‡qi Kg©KZ©vi ZË¡veav‡b cwiPvwjZ nq| weGmGm kvLv †hŠw³K we‡kølYg~jK Kv‡Ri Ici A‡cÿvK…Z †ewk †Rvi †`q| weGmGm kvLv¸‡jv wbR wbR kvLvi AvIZvaxb e¨vsKmg~‡ni †ÿ‡Î cÖvK-mZK©Kvix wn‡m‡e KvR K‡i _v‡K| GB kvLv¸‡jv e¨vsKmg~‡ni cwiw¯’wZ, Kg©`ÿZv, SzuwK, cÖvwZôvwbK mykvmb, cÖvwZôvwbK KvVv‡gv cÖf…wZi cÖwZ mve©ÿwYK bRi iv‡L Ges e¨vsK cwi`k©b wefvM KZ©…K cÖ¯‘ZK…Z wek` cwi`k©b cÖwZ‡e`bmg~‡ni wbe©vnx mvi-ms‡ÿc msMÖnc~e©K h_vh_ c`‡ÿc MÖnY K‡i _v‡K| ZË¡veavb Kvh©μ‡gi mv¤úªwZK AMÖMwZ m¤ú‡K© AewnZ nIqvi j‡ÿ¨ GB kvLv¸‡jv e¨vsK cwi`k©b wefvMmg~‡ni mv‡_ wbqwgZ †hvMv‡hvM iÿv K‡i _v‡K| Rywbqi e¨vsK mycviwfkb †¯úkvwj÷MY e¨vsK¸‡jvi †UªRvwi Kvh©μg, g~jab ch©vßZv, FY-AvgvbZ nvi cÖf…wZ wbixÿY K‡i _v‡Kb Ges wba©vwiZ mgq cici e¨vsK¸‡jvi wbixwÿZ Avw_©K cÖwZ‡e`‡bi Z_¨vbyhvqx WvqvMbw÷K wiwfD wi‡cvU© (DRR), KzBK wiwfD wi‡cvU© (QRR) cÖ¯‘Z K‡ib, hvi gva¨‡g e¨vs‡K we`¨gvb cÖavb cÖavb SzuwKmg~n `ªæZ wPwýZ K‡i H mKj SzuwK †gvKvwejvi m¤¢ve¨ cš’v wbY©q Kiv hvq|
GQvov, e¨vswKs mycviwfkb †¯úkvwj÷ kvLvmg~n e¨vsK¸‡jvi cwiPvjbv cl©`, wbe©vnx/AwWU KwgwUi mfvi Kvh©weeiYxmg~n ch©v‡jvPbv Kivi mv‡_ mv‡_ ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi mv‡_ m¤úvw`Z mg‡SvZv ¯§viK Gi AMÖMwZ ch©v‡jvPbv K‡i Ges ZvrÿwYKfv‡e mswkøó EaŸ©Zb Kg©KZ©v‡K AewnZ K‡i| †ewmK e¨vsK Ges evsjv‡`k †W‡fjc‡g›U e¨vsK wjwg‡UW‡K h_vμ‡g wW‡m¤^i 2014 Ges †g 2015-G ivóª gvwjKvbvaxb evwYwR¨K e¨vsK wn‡m‡e
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
40
†kÖwYK…Z Kiv n‡q‡Q| mg‡SvZv ¯§vi‡Ki gva¨‡g ivóª gvwjKvbvaxb evwYwR¨K e¨vsK¸‡jvi (wewWweGj e¨ZxZ) Z`viwK Kvh©μg Pj‡Q| FY e¨e¯’vcbv Ges Af¨šÍixY wbqš¿Y c×wZi gvb Dbœq‡bi j‡ÿ¨ evsjv‡`k e¨vsK PviwU ivóª gvwjKvbvaxb evwYwR¨K e¨vs‡K (†mvbvjx e¨vsK wjt, RbZv e¨vsK wjt, AMÖYx e¨vsK wjt Ges iƒcvjx e¨vsK wjt) we‡kl cwi`k©b Kvh©μg cwiPvjbv Ki‡Q| B‡Zvg‡a¨, wW‡m¤^i 2014 m‡b miKvi †mvbvjx e¨vsK wjt Ges †ewmK e¨vsK wjt Gi g~jab cybM©Vb eve` h_vμ‡g 0.71 wewjqb UvKv Ges 0.79 wewjqb UvKv cybf©iY K‡i‡Q| Ab¨w`‡K, A_©eQi 15-G we‡Kwe Ges ivKve‡KI mg‡SvZv ¯§vi‡Ki gva¨‡g gwbUi Kiv n‡”Q| eZ©gv‡b we‡Kwe Ges ivKve Gi A_©eQi 16-Gi mg‡SvZv ¯§viK cÖ¯‘‡Zi KvR cÖwμqvaxb i‡q‡Q|
e¨vs‡Ki SzuwK e¨e¯’vcbv
5.39 e¨vswKs Lv‡Z SzuwK e¨e¯’vcbv‡K AviI kw³kvjx, Kvh©Ki Ges djcÖm~ Kivi j‡ÿ¨ evsjv‡`k e¨vsK 6wU †Kvi wi¯‹m& e¨e¯’vcbv wb‡`©wkKv, SzuwKwfwËK g~jab ch©vßZv wb‡`©wkKv Ges †÷ªm †Uw÷s wb‡`©wkKv Rvwi K‡i‡Q| evsjv‡`k e¨vsK 15 †deªæqvwi 2012 Zvwi‡L e¨vsK¸‡jvi Rb¨ SzuwK e¨e¯’vcbv bxwZgvjv kxl©K wk‡ivbv‡g Av‡iKwU wb‡`©wkKv Rvwi K‡i‡Q| G wb‡`©wkKv SzuwK e¨e¯’vcbvi GKwU mgwb¦Z e¨vswKs c`‡¶c hv e¨vsK¸‡jv‡K Zv‡`i cÖwZôv‡bi SzuwKmg~n wbY©q, cwigvc, Z`viwK Ges wbqš¿‡Y mgmvgwqK c×wZ AvZ¥xKi‡Y mvnvh¨ Ki‡e|
5.40 DbœZ SzuwK e¨e¯’vcbv Abykxj‡bi j‡¶¨ Ryb 2009-G cÖwZwU Zdwmwj e¨vsK‡K GKwU Avjv`v SzuwK e¨e¯’vcbv BDwbU MV‡bi wb‡`©kbv †`qv nq| we`¨gvb Ges fwel¨‡Z NU‡Z cv‡i Ggb me ai‡bi SzuwKi we‡kølY m¤^wjZ GKwU SzuwK e¨e¯’vcbv cÖwZ‡e`b cÖ¯‘Zc~e©K wbqwgZ gvwmK SzuwK e¨e¯’vcbv BDwbU mfvq Dc¯’vcb Kiv Ges cieZ©x mg‡q mfvi wm×všÍmg~nmn SzuwK e¨e¯’vcbv (RMP) cÖwZ‡e`b wWcvU©‡g›U Ae Ad-mvBU mycviwfkb G †cÖi‡Yi R‡b¨I e¨vsK¸‡jv‡K wb‡`©kbv †`qv nq| m¤úªwZ evsjv‡`k e¨vsK e¨vsK¸‡jvi SzuwK e¨e¯’vcbv
Kvh©μg‡K AwaKZi Kvh©Ki Kivi wbwg‡Ë wewfbœ ai‡bi mgmvgwqK SzuwK Ges wKQz cÖkœvejx (e¨vs‡Ki SzuwK e¨e¯’vcbvi KvVv‡gv, FY bxwZ-c×wZ, FY cÖ¯Íve g~j¨vqb cÖwμqv, FY gÄyi cieZx© cÖwμqv, FY Z`viwK, cwiPvjb SzuwK hvPvB Ges Zvij¨ SzuwK BZ¨vw`) AšÍf©y³ K‡i c~‡e©i SzuwK e¨e¯’vcbv cÖwZ‡e`b cwieZ©b K‡i e¨vsK¸‡jvi Rb¨ Comprehensive Risk Management Report (CRMR) bvgK GKwU bZzb wi‡cvwU©s dig¨vU cÖYqb K‡i‡Q|
5.41 SzuwK e¨e¯’vcbv Kvh©μ‡g AviI ¸iæZ¡ †`qvi j‡¶¨ SzuwK e¨e¯’vcbv BDwb‡Ui cwie‡Z© SzuwK e¨e¯’vcbv wefvM MVb Ges e¨vs‡Ki D”P ch©v‡qi e¨e¯’vcbv KZ…©cÿ †_‡K GKRb Kg©KZ©v‡K (b~¨bZg Dce¨e¯’vcbv cwiPvjK) gyL¨ SzuwK Awdmvi wn‡m‡e wb‡qv‡Mi R‡b¨ e¨vsK¸‡jv‡K wb‡`©kbv †`qv nq| GQvov, evsjv‡`k e¨vsK e¨vsK¸‡jv‡K GKwU SzuwK e¨e¯’vcbv KwgwU MV‡bi wb‡`©kbv †`q hvi m`m¨e„›` e¨vs‡Ki cwiPvjbv cl©` KZ…©K cl©‡`i m`m¨ n‡Z g‡bvbxZ n‡e Ges †Kv¤úvwb mwPe D³ KwgwUi mwPe wn‡m‡e KvR Ki‡e| SzuwK e¨e¯’vcbv cÖwZ‡e`‡bi Ici wfwË K‡i wWcvU©‡g›U Ae Ad-mvBU mycviwfkb e¨vsK¸‡jvi SzuwK e¨e¯’vcbv Kvh©μg wbqwgZ g~j¨vqb K‡i _v‡K Ges cwiw¯’wZ Dbœq‡bi R‡b¨ MVbg~jK civgk© w`‡q _v‡K| e¨vsK¸‡jv‡K Gme civgk© m¤úv`b K‡i Kgcøv‡qÝ cÖwZ‡e`b wba©vwiZ mg‡qi g‡a¨ evsjv‡`k e¨vs‡K †cÖiY Ki‡Z nq|
5.42 Comprehensive Risk Management Report (CRMR) G cÖ`Ë Z_¨, SzuwK e¨e¯’vcbv wefvM I cl©` ch©v‡qi SzuwK e¨e¯’vcbv KwgwUi mfvi Kvh©weeiYx, e¨vsK KZ…©K `vwLjK…Z c~e©eZx© ˆÎgvwm‡Ki cwicvjb Z_¨ Ges Ab¨vb¨ Drm †_‡K cÖvß Z‡_¨i wfwˇZ m¤¢ve¨ mKj ai‡bi SzuwK cwigv‡ci j‡¶¨ wi¯‹ †iwUs c×wZi cÖPjb Kiv n‡q‡Q| G wi¯‹ †iwUs K¨v‡gjm& †iwUs Gi e¨e¯’vcbv Dcv`vb (Management Component) G kZKiv 15 fvM ¸iæZ¡ enb K‡i| A_©vr GKwU e¨vs‡Ki SzuwK e¨e¯’vcbvi Abykxjb Zv‡`i K¨v‡gjm& †iwUs G D‡jøL‡hvM¨ cÖfve †dj‡e| wW‡m¤^i 2014-Gi †iwUs Abyhvqx 56wU Zdwmwj e¨vs‡Ki g‡a¨ 23wU‡K wbgœgvÎvi SzuwK, 25wU‡K mnbxq/gvSvwi
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
41
(Medium) gvÎvi Ges evwK 8wU‡K D”P gvÎvi SzuwK m¤úbœ e¨vsK wn‡m‡e wPwýZ Kiv n‡q‡Q|
5.43 e¨vsK¸‡jvi Dci Zv‡`i Af¨šÍixY wbqš¿Y c×wZ (Internal control system) wel‡q GKwU m¦-g~j¨vqb cÖwZ‡e`b (Self assessment report) evsjv‡`k e¨vs‡K `vwL‡ji eva¨evaKZv i‡q‡Q| Af¨šÍixY wbqš¿Y I cwicvjb (Internal control and compliance) e¨e¯’v kw³kvjxKi‡Yi gva¨‡g e¨vs‡Ki cwiPvjb SzuwK b~¨bZg gvÎvq ivLvB n‡”Q G ai‡bi m¦-g~j¨vqb cÖwZ‡e`‡bi cÖavb D‡Ïk¨| G j‡¶¨ evsjv‡`k e¨vsK RvwjqvwZi weiæ‡× Af¨šÍixY wbqš¿Y msμvšÍ wel‡q 53wU cÖkœ Ges wbw`©ó mg‡q msNwUZ Rvj-RvwjqvwZi weeiY I Gi weiæ‡× M„nxZ c`‡¶c m¤^wjZ GKwU wi‡cvwU©s dig¨vU cÖYqb K‡i‡Q| evsjv‡`k e¨vsK ˆÎgvwmK wfwˇZ GB cÖwZ‡e`b¸‡jv ch©v‡jvPbv Ki‡Q Ges e¨vsK¸‡jv‡K h_vh_ wb‡`©kbv cÖ`vb Ki‡Q| D³ cÖwZ‡e`‡b mieivnK…Z Z‡_¨i mwVKZv hvPvB‡qi j‡ÿ¨ Zv Ab-mvBU mycviwfkb wWcvU©‡g›Umg~‡nI †cÖiY Kiv n‡q _v‡K|
M.2. e¨vsK¸‡jvi Ab-mvBU cwi`k©b
5.44 evsjv‡`k e¨vs‡Ki wewae× Kvh©μ‡gi Ask wn‡m‡e eZ©gv‡b 7wU wefvM - e¨vsK cwi`k©b wefvM-1 (wWweAvB-1), e¨vsK cwi`k©b wefvM-2 (wWweAvB-2), e¨vsK cwi`k©b wefvM-3 (wWweAvB-3), e¨vsK cwi`k©b wefvM-4 (wWweAvB-4), ˆe‡`wkK gy`ªv cwi`k©b wefvM (wWGdBAvB), dvBb¨vwÝqvj Bw›UwMÖwU GÛ Kv÷gvi mvwf©‡mm wWcvU©‡g›U (GdAvBwmGmwW) Ges evsjv‡`k dvBb¨vwÝqvj Bw›Uwj‡RÝ BDwbU (weGdAvBBD) cwi`k©b Kvh©μg cwiPvjbv K‡i| G mvZwU wefvM ivóª gvwjKvbvaxb e¨vsK, we‡klvwqZ e¨vsK, †emiKvwi evwYwR¨K e¨vsK (Bmjvwg kixqvn& wfwËK e¨vsK¸‡jvmn), we‡`wk e¨vsK Ges Bb‡f÷‡g›U K‡c©v‡ikb Ae evsjv‡`k (AvBwmwe) I gvwb †PÄvimn Ab¨vb¨ cÖwZôvbmg~‡n Ab-mvBU cwi`k©b cwiPvjbv K‡i _v‡K| G wefvMmg~n wewfbœ ai‡bi cwi`k©b Kvh©μg cwiPvjbv K‡i _v‡K †h¸‡jv‡K wZbfv‡M fvM Kiv hvq- (1) wek`/ wbqwgZ/cÖ_vMZ cwi`k©b (2) SzuwK wfwËK/wm‡÷g †PK cwi`k©b Ges (3) we‡kl/ZvrÿwYK cwi`k©b|
5.45 wek` cwi`k©‡b e¨vsKmg~‡ni mvwe©K Ae¯’v/Kvh©μg (Z_v g~jab ch©vßZv, m¤ú‡`i ¸YMZ gvb, Zvij¨, DcvR©b ÿgZv, e¨e¯’vcbvi `ÿZv BZ¨vw`) g~j¨vqb Kiv nq| G¸‡jv g~j¨vq‡bi wfwˇZ e¨vsK¸‡jv‡K 1-5 †¯‹‡j †iwUs Kiv nq| Ab-mvBU cwi`k©b wefvMmg~n cwi`k©b cÖwZ‡e`‡b cÖ`Ë mycvwik I wb‡`©kbvmg~n h_vh_fv‡e cwicvwjZ n‡”Q wKbv ZvI ch©‡eÿY K‡i _v‡K| e¨vsKmg~‡ni gyL¨ SzuwK e¨e¯’vcbv wb‡`©wkKvi cwicvjb ZË¡veav‡bi D‡Ï‡k¨ SzuwKwfwËK cwi`k©b cwiPvjbv Kiv nq| AvgvbZKvix, RbmvaviY ev †Kvb cÖwZôv‡bi Awf‡hv‡Mi wfwˇZ we‡kl cwi`k©b cwiPvjbv Kiv nq|
5.46 †h me evwYwR¨K e¨vs‡Ki K¨v‡gjm& †iwUs 3 †_‡K 5 Gi g‡a¨ _v‡K, †m¸‡jv cÖwZeQi cwi`k©b Kiv nq| †h me e¨vs‡Ki †iwUs 1 A_ev 2, †m¸‡jv cÖwZ `yÕeQ‡i GKevi cwi`k©b Kiv nq| cÖwfkb, Avq I e¨q wnmvemg~n AbymÜvbc~e©K e¨vsK¸‡jv‡K Zv‡`i P~ovšÍ wnmve ms‡kva‡bi Rb¨ wb‡`©k †`qv n‡q _v‡K| Ab-mvBU mycviwfk‡bi Kvh©KvwiZv e„w× Ges Ab-mvBU I Ad-mvBU mycviwfk‡bi mgq e¨eavb n«vmK‡í G c×wZ cÖeZ©b Kiv n‡q‡Q|
5.47 A_©eQi 15-G 28wU e¨vs‡Ki cÖavb Kvh©vjqmn 1288wU kvLvq e¨vsK cwi`k©b wefvM-1 (wWweAvB-1) KZ…©K cwi`k©b Kvh©μg m¤úbœ Kiv n‡q‡Q| GKB mg‡q, wWweAvB-1 Gi ZË¡veav‡b _vKv 28wU e¨vs‡K evsjv‡`k e¨vsK KZ…©K Bmy¨K…Z gyL¨ SzuwK wb‡`©wkKv (m¤ú`-`vq e¨e¯’vcbv, FY SzuwK e¨e¯’vcbv, Z_¨ †hvMv‡hvM cÖ‡KŠkj, Af¨šÍixY wbqš¿Y I cwicvjb) ev¯Íevq‡bi AMÖMwZ ch©v‡jvPbvi j‡ÿ¨ gyL¨ SzuwKwfwËK cwi`k©b Kvh©μg cwiPvjbv Kiv n‡q‡Q| cÖwZwU e¨vs‡Ki cÖavb Kvh©vjq/AvÂwjK Awdmmn †h †Kvb GKwU kvLv gyL¨ SzuwKwfwËK cwi`k©‡bi AvIZvq †bqv n‡q‡Q| gyL¨ SzuwK cwi`k©‡bi j‡ÿ¨ GKwU e¨vs‡Ki cÖavb Kvh©vjqmn †gvU 191wU kvLvi cwi`k©b Kvh©μg m¤úbœ Kiv n‡q‡Q| e¨vsK¸‡jvi evwl©K Avw_©K cÖwZ‡e`b P~ovšÍ Kivi c~‡e© Zv‡`i e¨e¯’vcbv KwgwU (MANCOM), evsjv‡`k e¨vs‡Ki cwi`k©K Ges ewntwbixÿK Gi mgš^‡q wÎ-¯Íixq mfv Kivi
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
42
wb‡`©k †`qv n‡q‡Q| e¨vsK cwi`k©b wefvM-1 Pvi Kg©w`e‡m 11wU Af¨šÍixY cÖwkÿY mfvi Av‡qvRb K‡i‡Q|
5.48 A_©eQi 15-G, e¨vsK cwi`k©b wefvM-2 (wWweAvB-2) 7wU cÖavb Kvh©vjqmn me©‡gvU 928wU kvLvq wek` cwi`k©b Kvh©μg cwiPvjbv K‡i‡Q hvi g‡a¨ 293wU eo kvLv Ges 628wU †QvU kvLv AšÍfz©³| GKB mg‡q ivóª gvwjKvbvaxb evwYwR¨K e¨vsK Ges we‡klvwqZ e¨vsKmg~‡ni GKwU cÖavb kvLvmn me©‡gvU 69wU we‡kl cwi`k©b Ges 6wU cÖavb kvLvmn 14wU SzuwKwfwËK cwi`k©b Kvh©μg cwiPvjbv Kiv n‡q‡Q| AwaKš‘, wefvMwU Bb‡f÷‡g›U Ki‡cv‡ikb Ae evsjv‡`k (AvBwmwe) Gi cÖavb Kvh©vjq Ges 5wU kvLvq wek` cwi`k©b Kvh©μg cwiPvjbv K‡i‡Q|
5.49 A_©eQi 15-G e¨vsK cwi`k©b wefvM-3 KZ…©K 4wU cÖavb Kvh©vjq, 92wU e„nr kvLv 630wU †QvU kvLv Ges 182wU ÿz`ª I gvSvwi mvwf©m †m›Uvi/GmGgB/K…wl kvLvmn (Ab¨vb¨ K‡qKwU e¨vs‡Ki GmGgB mswkøó KvRmn) e¨vs‡Ki Dci †gvU 726wU wek` cwi`k©b Kvh© cwiPvjbv Kiv n‡q‡Q| cvkvcvwk, `yÕ‡Uv e¨vs‡Ki Dci (GmGgBmn) †gvU 192wU we‡kl cwi`k©b Ges 5wU e¨vs‡Ki Dci †gvU 60wU SzuwKwfwËK cwi`k©b cwiPvjbv Kiv n‡q‡Q|
5.50 A_©eQi 15-G e¨vsK cwi`k©b wefvM-4 KZ…©K wewfbœ e¨vs‡Ki cÖavb Kvh©vjq Ges kvLvi Dci †gvU 237wU cwi`k©b Kvh© cwiPvjbv Kiv n‡q‡Q| G mg‡qi g‡a¨, SzuwK e¨e¯’vcbv bxwZ-wb‡`©wkKv ev¯Íevqb AMÖMwZ wbixÿY Ges SzuwK e¨e¯’vcbv g~j¨vqb, cwi`k©b I e¨vs‡Ki cwi‡ek wbqš¿‡Yi wbwg‡Ë e¨vsK cwi`k©b wefvM-4 Gi ch©‡eÿ‡Yi wfwˇZ 20wU kvLv Awd‡m I 20wU cÖavb Kvh©vj‡q †Kvi wi¯‹ cwi`k©b Kvh© cwiPvjbv Kiv n‡q‡Q| DwjøwLZ mg‡q, e¨vsK cwi`k©b wefvM-4 KZ…©K 20wU cÖavb Kvh©vjq Ges 119wU kvLv Awd‡m wek` cwi`k©b Kvh© cwiPvjbv Kiv n‡q‡Q| e¨vsK cwi`k©b wefvM-4 KZ…©K 37wU kvLv Ges 20wU cÖavb Kvh©vj‡qi Dci †gvU 58wU we‡kl
cwi`k©b cwiPvjbv Kiv n‡q‡Q| D³ A_©eQ‡i ¯’vbxq ZvwjKvfz³ mKj ÷K G·‡PÄI cwi`©kb Kiv n‡q‡Q| cÖ_gev‡ii g‡Zv e¨vsK cwi`k©b wefvM-4 KZ…©K 20wU cÖavb Kvh©vjq I 20wU kvLv Awd‡mi Dci SRP cwi`k©b cwiPvjbv Kiv n‡q‡Q| ZvQvov, 31 wW‡m¤^i 2014 wfwËK Avw_©K cÖwZ‡e`b P~ovšÍKi‡Yi c~‡e© 20wU e¨vsK‡K cwi`k©b Kiv n‡q‡Q|
5.51 wWcvU©‡g›U Ae d‡ib G·‡PÄ- ˆe‡`wkK evwY‡R¨ A_©vqb, †UªRvwi Kg© Ges e¨vs‡Ki ˆe‡`wkK wewbgq SzuwK e¨e¯’vcbv, e¨vs‡Ki ˆe‡`wkK †jb‡`b Ges gvwb‡PÄvi Gi Dci cwi`k©b cwiPvjbv K‡i _v‡K| A_©eQi 15-G wWcvU©‡g›U KZ…©K e¨vs‡Ki 11wU cÖavb Kvh©vjq Ges 483 A_ivBRW& wWjvi Gi Dci †gvU 483wU wek` cwi`k©b Kvh© cwiPvjbv Kiv n‡q‡Q| GQvovI, G wWcvU©‡g›U ˆe‡`wkK wewbgq SzuwK e¨e¯’vcbvi Dci 45wU, we‡kl cwi`k©b 85wU Ges gvwb G·‡PÄvi Gi Dci 115wU cwi`k©bmn evwYR¨ I ˆe‡`wkK wewbgq Gi Dci D‡jøL‡hvM¨ msL¨K cwi`k©b Kvh© cwiPvjbv K‡i‡Q|
5.52 26 RyjvB 2012 m‡b Kv÷gvi B›Uv‡i÷ †cÖv‡UKkb †m›Uvi (wmAvBwcwm)‡K dvBb¨vwÝqvj Bw›UwMÖwU A¨vÛ Kv÷gvi mvwf©‡mm bv‡g bZzbfv‡e bvgKiY Kiv n‡q‡Q| RvwjqvwZ AbymÜvb I Aciva kbv‡³ dvBb¨vwÝqvj Bw›UwMÖwU A¨vÛ Kv÷gvi mvwf©‡mm wWcvU©‡g›U e¨vsK I Avw_©K cÖwZôv‡bi AvšÍt I ewnt Rvj-RvwjqvwZi c~e©vfvm wb‡`©kK ms‡K‡Zi wbqš¿K wn‡m‡e KvR K‡i hv‡”Q| GQvovI, G wefvM e¨vsK I Avw_©K cÖwZôv‡bi wbivcËv cÖ`vb, Kvh©ÿgZv, Kvh©KvwiZv, ¯^”QZv Ges AvBwU e¨e¯’vcbv SzuwK n«v‡m ¸iæZ¡ w`‡q hv‡”Q|
5.53 A_©eQi 15-G AÎ wefvM KZ…©K wba©vwiZ †Uwj‡dvb b¤^i, B‡gBj Ges cÖPwjZ c‡Îi gva¨‡g †gvU 14920wU Awf‡hvM M„nxZ n‡q‡Q| G wefvM ¯^íZg mg‡qi g‡a¨ †m¸‡jv Z`šÍ I mgvav‡b KvR K‡i hv‡”Q| Awf‡hvM wbim‡bi nvi D‡jøL‡hvM¨fv‡e e„w× †c‡q‡Q| G wefvM KZ…©K evsjv‡`‡k Kvh©iZ
e· 5.1
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
43
evsjv‡`‡k Bmjvwg e¨vsKmg~‡ni Zvij¨ e¨e¯’vcbv
Bmjvwg e¨vsKmn Ab¨ mKj Avw_©K cÖwZôv‡bi wbivc` I kw³kvjx e¨vswKs e¨e¯’vcbvi Rb¨ Zvij¨ e¨e¯’vcbv‡K GKwU †gŠwjK Dcv`vb wn‡m‡e we‡ePbv Kiv n‡q _v‡K| e¨vsKmg~‡ni Zvij¨ msKU mdjfv‡e †gvKv‡ejv Kivi mÿgZvi DciB g~jZ MÖvnK‡`i Av¯’v wbf©i K‡i| G Kvi‡YB e¨vs‡Ki mvwe©K Zvij¨ e¨e¯’vcbvi Rb¨ GKwU cwiKwíZ wbivc` Zvij¨ KvVv‡gv cÖ‡qvRb| Bmjvwg e¨vsKmg~n Zv‡`i mKj e¨vswKs Kvh©μg Bmjvwg kixqvn& wfwˇZ cwiPvwjZ Kivi e¨vcv‡i cÖwZkÖæwZe×| evsjv‡`‡ki evRv‡i wewb‡qv‡Mi Rb¨ kixqvn&m¤§Z SLR-Gi †hvM¨ nvwZqvi Ach©vß _vKvq Bmjvwg e¨vsKmg~‡ni Rb¨ wewae× Zij m¤ú` (SLR) cÖ_vMZ evwYwR¨K e¨vsKmg~‡ni Zzjbvq Kg nv‡i wba©viY Kiv n‡q‡Q| evsjv‡`k e¨vs‡Ki wb‡`©kbvμ‡g eZ©gv‡b Bmjvwg e¨vsKmg~n Zv‡`i †gvU Zjwe I †gqvw` `v‡qi kZKiv 6.5 fvM bM` Zij m¤ú` (CRR) Ges kZKiv 5.5 fvM wewae× Zij m¤ú` (SLR) wn‡m‡e msiÿY Ki‡Q| cÖ_vMZ evwYwR¨K e¨vsKmg~n hv‡`i BmjvwgK e¨vswKs kvLv/DB‡Ûv i‡q‡Q Zv‡`iI SLR Ges CRR Bmjvwg e¨vsKmg~‡ni Abyiƒc nv‡i evsjv‡`k e¨vs‡Ki mv‡_ GKwU Avjv`v PjwZ wnmve †Lvjvi gva¨‡g msiÿ‡Yi wb‡`©k †`qv n‡q‡Q|
miKvwi †UªRvwi wej I e‡Ûi g‡Zv Avw_©K nvwZqvimg~n my`wfwËK nIqvq G mKj nvwZqv‡i wewb‡qvM Ki‡Z bv cvivq `xN©w`b hver Bmjvwg e¨vsK¸‡jv AwZwi³ Zvij¨ msK‡U fzM‡Q| cwiw¯’wZ we‡ePbv K‡i Zvij¨ msKU †gvKv‡ejvi wbwg‡Ë evsjv‡`k miKvi 2004 m‡b "Bangladesh Government Islamic Investment Bond
(BGIIB)" bv‡g GKwU eÛ evRv‡i Pvjy K‡i‡Q| mviYx-1 n‡Z †`Lv hvq †h, wewb‡qv‡Mi Ab¨ †Kvb †ÿÎ bv _vKvq weMZ wZb eQi hver GB e‡Û (BGIIB) Bmjvwg e¨vsK¸‡jvi wewb‡qvM EaŸ©gyLx i‡q‡Q| m¤úªwZ BGIIB-Gi aviv‡K Av‡iv wkw_j K‡i ¯^í‡gqv‡` wZb gvm †gqvw` Kiv n‡q‡Q| Ab¨w`‡K Bmjvwg e¨vsK/kvLvmg~‡n hw` †Kvb Zvij¨ NvUwZ _v‡K Zvn‡j Bmjvwg e¨vsK/kvLvmg~n Bmjvwg eÛ Znwej †_‡K wj‡q‡bi wecix‡Z AwZwi³ Bmjvwg eÛ μqmn Bmjvwg e‡Ûi Rb¨ Repo wm‡÷g Pvjy Ges cvi¯úwiKfv‡e G‡K A‡b¨i mv‡_ gy`vivev PjwZ wnmve †Lvjvi Øviv Bmjvwg eÛ Znwe‡j wewb‡qvM myweav MÖn‡Yi gva¨‡g D³ NvUwZ †gvKv‡ejv Ki‡Z cvi‡e| Z‡e cÖ_vMZ evwYwR¨K e¨vsKmg~‡ni Bmjvwg kvLv/DB‡Ûvmg~‡ni †ÿ‡Î Zvij¨ NvUwZ †gvKv‡ejv Ki‡Z n‡j Zviv kixqvn&m¤§Z †h †Kvb Drm n‡Z Znwej msMÖn Ki‡Z cvi‡e|
mviYx 1 t Bmjvwg e‡Û (BGIIB) Bmjvwg e¨vsKmg~‡ni wewb‡qvM, FY Ges gybvdvi nvi
wewb‡qvM (wewjqb UvKv)FY (wewjqb UvKv)gybvdvi nvi wewb‡qvM FY (fvixZ Mo)
Drmt wmwKDwiwUR wWcvU©‡g›U, gwZwSj Awdm, evsjv‡`k e¨vsK|
9681.415906.0
4.65.0
15051.2 6785.0
3.44.6
21316.55110.0
1.04.5
Ryb 2013 Ryb 2014 Ryb 2015
e¨vsK I Avw_©K cÖwZôv‡bi 127wUi Dci we‡kl cwi`k©b cwiPvjbv Kiv n‡q‡Q| MÖvn‡Ki KvQ †_‡K Ges Zv‡`i ¯^ ¯^ GjvKv †_‡K cÖvß Awf‡hvM mgvav‡b cÖavb Kvh©vj‡qi Kv÷gvi mvwf©m wWwfkb Gi evB‡iI evsjv‡`k e¨vs‡Ki 10wU kvLv Awd‡m Kv÷gvi B›Uv‡i÷ †cÖv‡UKkb †m›Uvi (wmAvBwcwm) ¯’vcb Kiv n‡q‡Q|
5.54 A_©eQi 15-G gvwbjÛvwis Ges mš¿vmx A_©vqb †iv‡a e¨vswKs Lv‡Z wewfbœ ai‡bi c`‡ÿc MÖnY Kiv n‡q‡Q| gvwbjÛvwis Ges mš¿vmx A_©vqb †iv‡a cÖ`Ë wb‡`©kbv h_vh_fv‡e cwicvj‡bi Rb¨ Zdwmwj e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rb¨ evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD) mvKz©jvi Rvwi K‡i‡Q| G wefvM e¨vsK¸‡jvi ML/TF †Z wbwnZ SzuwK wbY©‡q e¨vswKs †m±‡ii Rb¨ gvwbjÛvwis I mš¿vmx A_©vq‡bi SzuwK g~j¨vqb bxwZgvjv Rvwi K‡i‡Q Ges Z_¨ we‡kølY cÖwμqvq wbe©vPb Kwgk‡bi RvZxq cwiPqc‡Îi WvUv‡eR, †μwWU Bbdi‡gkb (wmAvBweG), evsjv‡`k A‡Uv‡g‡UW wK¬qvwis nvDR (e¨vP) Ges evsjv‡`k e¨vs‡Ki W¨vk †evW© Gi WvUv‡eR e¨envi ïiæ K‡i‡Q| Rvbyqvwi 2014 n‡Z weGdAvBBD mKj Zdwmwj e¨vsK n‡Z CTR I STR msμvšÍ Z_¨ goAML software Gi gva¨‡g †c‡q Avm‡Q| A_©eQi 15-G AÎ wefvM 57wU cÖavb Kvh©vjqmn 56wU e¨vs‡Ki 44wU kvLv Awd‡m †Kvi wi¯‹ Gi AvIZvq wm‡÷g †PK cwi`k©b Kvh©μg m¤úbœ K‡i‡Q Ges STR/CTRs wbqwgZ Ges h_vh_fv‡e cÖ`vb Kiv n‡”Q wK-bv †m wel‡q 12wU e¨vs‡Ki †gvU 19wU kvLvq cwi`k©b cwiPvjbv K‡i‡Q| AwaKš‘, G wefvM GKwU cÖavb Kvh©vjqmn 17wU e¨vs‡Ki 24wU kvLv Awd‡m wKQz wKQz STR Gi AwaKZi ch©v‡jvPbvi Rb¨I cwi`k©b Kvh©μg cwiPvjbv K‡i‡Q Ges wewfbœ gva¨g, e¨w³ Ges Ab¨vb¨ cÖwZôvb n‡Z cÖvß Awf‡hvM Z`‡šÍ `yÕ‡Uv cÖavb Kvh©vjq I 22wU e¨vs‡Ki 45wU kvLvq cwi`k©b cwiPvjbv K‡i‡Q| e¨vsK¸‡jvi Kg©KZ©v-Kg©Pvix‡`i g‡a¨ mZK©Zv Avbq‡bi j‡ÿ¨ evsjv‡`k e¨vsK 56wU †Rjvq e¨vsKmg~n‡K Zv‡`i Kg©KZ©v-
Kg©Pvix‡`i AML/CFT Gi Dci D‡jøL‡hvM¨ msL¨K cÖwkÿY †cÖvMÖvg cwiPvjbv I †cÖvMÖvgmg~‡ni mdjZvi Rb¨ Drmvn Ges mn‡hvwMZv w`‡q Avm‡Q| G eQi e¨vsK, Avw_©K cÖwZôvb I K¨vwcUvj gv‡K©‡Ui ga¨¯’ZvKvix cÖwZôv‡bi gyL¨ Anti-Money Laundering Compliance Kg©KZ©v‡`i wb‡q Avjv`v evwl©K mfv AbywôZ n‡q‡Q|
M.3. dvBb¨vwÝqvj ÷¨vwewjwU I g¨v‡μv cÖæ‡WwÝqvj mycviwfkb
5.55 dvBb¨vwÝqvj ÷¨vwewjwU wWcvU©‡g›U †`‡ki g¨v‡μv cÖæ‡WwÝqvj mycviwfkb KvVv‡gv kw³kvjx Ki‡Z mw μqfv‡e KvR K‡i hv‡”Q| ïiæ †_‡KB G wefvM mvwe©K Avw_©K w¯’wZkxjZv g~j¨vq‡b Avw_©K w¯’wZkxjZv wi‡cvU© (evwl©K Ges ˆÎgvwmK) cÖKvk K‡i Avm‡Q, hv ¸iæZ¡¡c~Y© cÖeYZvmg~‡ni mgwš^Z we‡kølY cÖ`vb K‡i|
5.56 G wefvM cÖv_wgKfv‡e Avw_©K e¨e¯’vi Dci A_©‰bwZK cwiw¯’wZi m¤¢ve¨ cwieZ©‡bi cÖfve wbY©‡qi Rb¨ g¨v‡μv †÷ªm †Uw÷s wWRvBb K‡i‡Q| Financial Projection Model (FPM) wek¦e¨vsK Gi KvwiMwi mnvqZvi gva¨‡g ev¯ÍevwqZ n‡q‡Q| Inter-bank Transaction Matrix (ITM) tool Pvjy Kiv n‡q‡Q, hv e¨vsK I bb-e¨vsK Avw_©K cÖwZôvbmg~‡ni Zvij¨ e¨e¯’vcbv ch©‡e¶‡Y e¨eüZ nq| G †gwUª·wU m¼Uvcbœ cÖwZôvbmg~n Lyu‡R †ei Ki‡Z mvnvh¨ Ki‡e Ges Avw_©K cÖwZôvbmg~n‡K i¶vi Rb¨ cÖv_wgK mZK©Zv ms‡KZ w`‡q mvnvh¨ Ki‡e|
5.57 Domestic Systemically Important Banks (D-SIB) mg~‡ni e¨_©Zvi cÖfve GKwU Ac×wZMZ cÖwZôv‡bi e¨_©Zvi cÖfve †_‡K D‡jøL‡hvM¨fv‡e AwaK n‡Z cv‡i- G AšÍwb©wnZ aviYvi Dci wfwË K‡i G wefvM Zvi wbR¯^^ GLwZqv‡ii g‡a¨ D-SIB wPwýZKiY Ges †m¸‡jv †gvKv‡ejvi Rb¨ GKwU KvVv‡gvI cÖYqb K‡i‡Q| AwaKš‘, Avw_©K e¨e¯’vi pro-cyclicality cÖwZnZ Ki‡Z m¼UKv‡j Counter-cyclical Capital Buffer (CCB) cÖYqb I ev¯Íevq‡bi cwiKíbv cÖw μqvaxb i‡q‡Q| G wefvM Ki`vZv‡`i Znwej e¨wZ‡i‡K Av‡iv
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
44
cÂg Aa¨vqe¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavb
45
Kvh©Ki miÄvg, Z‡_¨i gva¨‡g m¤¢ve¨ me NUbvq e¨vsKmg~‡ni myk„sLj mgvavb mwμqKi‡Y Bank Intervention Resolution Plan (BIRP) Gi mgš^‡q e¨vsK n¯Í‡ÿc Ges †iRy‡jkb KvVv‡gv cÖ¯‘Z K‡i‡Q|
5.58 G wefvM FY`v‡bi †kl AvkÖq¯’j (Lender of the Last Resort) Gi KvVv‡gv ms μvšÍ bw_ Ges K‡c©v‡iU ch©‡e¶Y ZvwjKv (Watch List) cÖ¯‘Z K‡i‡Q| GQvov, Òmgwš^Z Z`viwK KvVv‡gv (Coordinated Supervision Framework)Ó Gi AMÖMwZ cÖw μqvaxb i‡q‡Q|
N. Avw_©K w¯’wZkxjZv I SzuwK e¨e¯’vcbv †gvKvwejvq e¨vswKs Lv‡Zi AeKvVv‡gv
N.1. AvgvbZ exgv w¯‹g
5.59 e¨vs‡Ki AvgvbZKvix‡`i Znwe‡ji ¶wZi (†h me e¨vsK cieZ©x mg‡q e¨_© nq) SzuwK n«vm ev ~i Kivi j‡¶¨ evsjv‡`‡k AvgvbZ exgv w¯‹g (DIS) Pvjy Kiv n‡q‡Q| AvgvbZKvix‡`i ¯^v_© myi¶v G w¯‹g Pvjyi g~j D‡Ïk¨| Ab¨w`‡K, e¨vswKs Lv‡Zi msKUKvjxb SzuwK †hgb- Avw_©Kfv‡e kw³kvjx e¨vsK †_‡K Ae¨vnZfv‡e AvgvbZ D‡Ëvjb Ges Gi d‡j cwi‡kva c×wZ‡Z (Payment System) m„ó Aw¯’wZkxjZv n«v‡m G w¯‹g c‡iv¶ f~wgKv iv‡L| AvšÍR©vwZK cwiw¯’wZ we‡ePbvq AvgvbZ exgv A‡bK myweav cÖ`vb K‡i Ges `xN©‡gqv‡` mdj AvaywbK e¨vsK e¨e¯’vi GKwU Acwinvh© Dcv`vb wn‡m‡e cwiMwYZ nq|
5.60 1984 m‡bi AvM÷ gv‡m evsjv‡`‡k Òe¨vsK AvgvbZ exgv AwW©‡bÝ 1984Ó bv‡g AvgvbZ exgv w¯‹g (DIS) cÖeZ©b Kiv nq| 2000 m‡bi RyjvB gv‡m G AwW©‡bÝ Gi cwie‡Z© msm‡` Òe¨vsK AvgvbZ exgv AvBb, 2000Ó bv‡g GKwU AvBb cvm Kiv nq| eZ©gv‡b evsjv‡`‡ki AvgvbZ exgv Kvh©μg G AvB‡bi AvIZvq cwiPvwjZ n‡”Q| G AvBb Abymv‡i, hw` †Kvb e¨vs‡Ki e¨emv ¸wU‡q †djvi Dcμg nq †m‡¶‡Î ¶z`ª AvgvbZKvix‡`i mxgve× myi¶v (0.10 wgwjqb UvKv) cÖ`v‡bi j‡¶¨ evsjv‡`k e¨vsK‡K ÒAvgvbZ exgv Uªv÷ Znwej (DITF)Ó bv‡g GKwU Znwej cwiPvjbvi Aby‡gv`b †`qv n‡q‡Q| evsjv‡`k e¨vs‡Ki cwiPvjK
cl©` DITF Gi Uªvw÷ †evW© wn‡m‡e `vwqZ¡ cvjb K‡i _v‡K Ges G Uªvw÷ †ev‡W©i ZË¡veav‡b DITF cwiPvwjZ n‡q Avm‡Q| AwaKš‘, evsjv‡`k e¨vsK AvšÍR©vwZK AvgvbZ exgv A¨v‡mvwm‡qkb (IADI) Gi m`m¨|
5.61 e¨vsK AvgvbZ exgv AvBb, 2000 Abyhvqx AvgvbZ exgv Uªv÷ Znwej (DITF) Gi cÖavb KvR n‡”Q Aa©evwl©K wfwˇZ (Ryb-wW‡m¤^i †k‡l) mKj Zdwmwj e¨vsK n‡Z wcÖwgqvg msMÖn Kiv Ges Zv miKvwi wmwKDwiwU‡R wewb‡qvM Kiv| G ai‡bi wewb‡qvM n‡Z cÖvß Avq cybivq wewb‡qv‡Mi D‡Ï‡k¨ DITF A¨vKvD‡›U Rgv Kiv nq|
5.62 evRvi k„sLjvi Kvh©KvwiZv e„w×i j‡¶¨ evsjv‡`k e¨vsK mKj e¨vs‡Ki Rb¨ SzuwKwfwËK AvgvbZ exgv nvi cÖeZ©b K‡i‡Q, hv Rvbyqvwi-Ryb 2007 †_‡K Kvh©Ki n‡q‡Q| m¤úªwZ, wcÖwgqvg nvi e„w× Kiv n‡q‡Q, hv Rvbyqvwi-Ryb 2013 mgq †_‡K Kvh©Ki Kiv n‡q‡Q| mKj Zdwmwj e¨vs‡Ki b¨vq Avw_©K cÖwZôvbmg~n (NBFIs)-†KI AvgvbZ exgv w¯‹g (DIS) Gi AvIZvq AšÍfz©³ Kivi j‡¶¨ evsjv‡`k e¨vsK c`‡¶c MÖnY K‡i‡Q, hv eZ©gv‡b A_© gš¿Yvj‡qi (MoF) we‡ePbvaxb i‡q‡Q|
5.63 RbMY hw` AvgvbZ exgv w¯‹‡gi Aw¯ÍZ¡ I my‡hvM m¤ú‡K© m‡PZb nq Z‡e c×wZMZ SzuwK (Systemic Risk) n«v‡mi †¶‡Î Gi Kvh©KvwiZv wbwðZfv‡e e„w× cv‡e| G welqwU j¶¨ †i‡L evsjv‡`k e¨vsK B‡Zvg‡a¨ AvgvbZ exgv w¯‹g m¤ú‡K© Rbm‡PZbZv welqK GKwU mvK©yjvi Bmy¨ K‡i‡Q| Avevi, mvaviY RbMY‡K cÖwZwbqZ AvgvbZ exgv w¯‹‡gi myweavw` I m¶gZv m¤ú‡K© AewnZ Kivi Rb¨ G m¤úwK©Z nvjbvMv`K…Z Z_¨-DcvË evsjv‡`k e¨vs‡Ki I‡qemvBU-G cÖKvk Kiv n‡q‡Q|
N.2. †μwWU Bbdi‡gkb ey¨‡ivi Kvh©μg
5.64 m¤¢ve¨ †Ljvwc F‡Yi cwigvY n«vmKi‡Yi j‡ÿ¨ 18 AvM÷ 1992 Zvwi‡L evsjv‡`k e¨vs‡K †μwWU Bbdi‡gkb ey¨‡iv (wmAvBwe) ¯’vcb Kiv nq| 19 RyjvB 2011 n‡Z wmAvBwe Gi AbjvBb †mev
e¨vswKs Lv‡Zi Kvh©`ÿZv, cÖweavb Ges e¨vsK¸‡jvi ZË¡veavbcÂg Aa¨vq
46
cÖ`vb ïiæ nq| BZvjxq cÖwZôvb CRIF KZ…©K cÖwZwôZ wmAvBwe Gi AbjvBb wm‡÷g e¨vswKs Lv‡Z SzuwKgy³ FY cÖ`vb c×wZ eRvq ivLvi Rb¨ GKwU ¸iæZ¡c~Y© f~wgKv cvjb Ki‡Q| AZ¨šÍ AZ¨vaywbK AvBwmwU myweav MÖnY Kivi gva¨‡g gvb I `ÿZvi wePv‡i wmAvBwe †mevi D‡jøL‡hvM¨ DbœwZ mvwaZ n‡q‡Q| GwU wi‡cvU© cÖYq‡bi †ÿ‡Î cÖksmbxqfv‡e e¨vsK/Avw_©K cÖwZôvbmg~‡ni mgq euvwP‡q‡Q I mkix‡i Dcw¯’Z nIqvi Avek¨KZv Gwo‡q‡Q hv FY cÖ`v‡bi cÖwμqv‡K Z¡ivwš^Z K‡i‡Q| GKwU bZzb AbjvBb wm‡÷g cÖwZôvi j‡ÿ¨ weMZ †ek wKQz eQi hver we`¨gvb wm‡÷gwU‡Z ¸iæZ¡c~Y© cwieZ©b Avbv n‡q‡Q| bZzb AbjvBb wm‡÷gwU †fÛ‡ii Dci wbf©iZv `~i Kivi cvkvcvwk we`¨gvb AbjvBb wm‡÷g iÿYv‡eÿ‡Yi wecyj e¨q n«vm Ki‡e|
5.65 FYMÖnxZv Ges Rvwgb`vi‡`i we¯ÍvwiZ FY Z_¨ wb‡q wmAvBwe WvUv‡eBm M‡o D‡V‡Q| †h mKj FYMÖnxZvi F‡Yi w¯’wZ 50000 UvKv ev Zvi †ewk
Ges †μwWU KvW© Z_¨ Abyhvqx †kÖwYK…Z/†Ljvwc F‡Yi cwigvY 10000 UvKv ev Zvi †ewk Zv‡`i wmAvBwe WvUv‡eBm Gi AvIZvq Avbv n‡q‡Q| 2015 m‡bi Ryb †k‡l †gvU FYMÖnxZvi msL¨v MZ eQ‡ii GKB mg‡qi 853851 Gi Zzjbvq kZKiv 6.0 fvM e„w× †c‡q 905112 G `uvovq| Ryb 2014 Gi Zzjbvq Ryb 2015 G e¨vsK I Avw_©K cÖwZôvbmg~‡n †Ljvwc FYMÖnxZvi msL¨v kZKiv 7.15 fvM e„w× †c‡q‡Q|
PvU© 5.12 DITF Gi mv¤úªwZK Ae¯’v
Dcv`vbmg~n wcÖwgqvgnvi*
---
-0.08% 0.09% 0.10%
4.05 (wewjqb UvKvq)3.90 (wewjqb UvKvq)
27.54%
81.20%
87.98%---
†gvU Znwej†gvU wewb‡qvM†gvU exgv‡hvM¨ Avgvb‡Zi g‡a¨ exgvK…Z AvgvbZexgv‡hvM¨ AvgvbZ Ges Zjwe I †gqvw` `v‡qi nvim¤ú~Y© exgvK…Z AvgvbZKvixmvDÛ e¨vsKAvwj© Iqvwb©sfz³ e¨vsKcÖe‡jg e¨vsK
* 2013 mb n‡Z Kvh©Ki
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K.6. evsjv‡`k e¨vs‡Ki wbR¯^ cwi‡ek e¨e¯’vcbv
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1845.21165.31257.2189.6445.027.04.0
423.25356.5
34.421.823.53.58.30.50.17.9100
5.13.3
10.02.6
11.00.010.0
12.244.2
11.67.4
22.75.8
24.80.010.0
27.7100
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486.40.0
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2203.8
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2779.5
0.0
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1719.0
2105.0
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1.97.8
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M.2. ¯‹zj e¨vswKs
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M.3. Kg©Rxex wkï/c_wkï‡`i Rb¨ e¨vswKs
6.20 K…lKmn wewfbœ myweavewÂZ Rb‡Mvôxi Rb¨ e¨vswKs myweav Pvjy Kivi ci, evsjv‡`k e¨vsK 9 gvP© 2014 Zvwi‡L mKj Zdwmwj e¨vsK‡K Kg©Rxex wkï/c_wkï‡`i cÖvwZôvwbK Avw_©K mnvqZvi AvIZvq Avbvi wb‡`©kbv cÖ`vb K‡i| G cÖwμqvi AvIZvq e¨vsK mswkøó GbwRI Gi mnvqZvq b~ bZg 10 UvKv Rgv cÖ`vb K‡i Kg©Rxex wkï/c_wkï‡`i e¨vsK wnmve Lyj‡Z cvi‡e Ges G wnmve †_‡K †Kvbiƒc PvR©/wd KZ©b Kiv n‡e bv| G D‡`¨vMwU Kg©Rxex wkï/c_wkï‡`i g‡a¨ mÂq cÖeYZv M‡o Zzj‡e Ges μgvš^‡q Zv‡`i fwel¨r‡K myiwÿZ Ki‡e| mswkøó GbwRI Kg©Rxex wkï/c_wkï‡`i wnmve cwiPvjbvi mKj `vwqZ¡ enb Ki‡e Ges Zv‡`i Kj¨v‡Y KvR Ki‡e| Ryb 2015 ch©šÍ 12wU e¨vsK wewfbœ wbeÜbK…Z GbwRIÕi mv‡_ G mKj wnmve cwiPvjbvi wel‡q wØcvwÿK Pzw³ ¯^vÿi K‡i‡Q| Kg©Rxex wkï/c_wkï‡`i Rb¨ e¨vswKs welqK Kvh©μ‡gi AMÖMwZ mviYx 6.10 G ewY©Z i‡q‡Q|
M.4. G‡R›U e¨vswKs
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mviYx 6.9 Ryb 2015 †k‡l ¯‹zj e¨vswKs me©‡gvU wnmve msL¨v Ges w¯’wZ
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54
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58
Avw_©K cÖwZôvbmg~‡ni Kg©`ÿZv, cÖweavb Ges ZË¡veavbmßg Aa¨vq
L.1. g~jab ch©vßZv
7.11 g~jab ch©vßZv Avw_©K cÖwZôvbmg~‡ni g~ja‡bi mvwe©K Ae¯’vi Dci Av‡jvKcvZ K‡i Ges m¤¢ve¨ Avw_©K ¶wZi nvZ †_‡K AvgvbZKvix‡`i myi¶v cÖ`vbmn cÖavb Avw_©K SzuwK (†hgb- FY SzuwK, evRvi SzuwK, my`nvi SzuwK BZ¨vw`) †gvKv‡ejvq cÖwZôvbmg~n‡K mnvqZv K‡i| e¨v‡mj GKW© Gi AvIZvq Avw_©K cÖwZôvbmg~n‡K Zv‡`i SzuwKwfwËK m¤ú‡`i Kgc‡¶ kZKiv 10.0 fvM, hvi g‡a¨ gyL¨ g~jab Kgc‡¶ kZKiv 5.0 fvM g~jab wn‡m‡e msi¶Y Ki‡Z nq| Ryb 2015 †k‡l K¨v‡gjm& †iwUs Gi g~jab ch©vßZvi †ÿ‡Î 32wU Avw_©K cÖwZôv‡bi g‡a¨ 2wUi †iwUs wQj Ò1 ev my`„pÓ, 18wUi Ò2 ev m‡šÍvlRbKÓ, 10wUi Ò3 ev †gvUvgywU fvjÓ Ges 1wUi Ò4 ev cÖvwšÍK (1wU cÖwZôvb GL‡bv †iwUs‡qi AvIZvq Av‡mwb)|
L.2. m¤ú‡`i ¸YMZ gvb
7.12 m¤ú‡`i ¸YMZ gvb wbY©‡qi ¸iæZ¡c~Y© m~PK n‡”Q †gvU FY/wj‡Ri Zzjbvq †kÖwYweb¨vwmZ FY/wj‡Ri nvi| Ryb 2015 †k‡l Avw_©K cÖwZôvbmg~‡ni G nvi wQj kZKiv 7.7 fvM| Avw_©K cÖwZôvbmg~‡ni †gvU m¤ú‡`i g‡a¨ FY, wjR I AwMÖ‡gi cwigvY kZKiv 72.6 fvM| Ryb 2015 †k‡l, m¤ú‡`i ¸YMZ gv‡bi †ÿ‡Î 32wU Avw_©K cÖwZôv‡bi g‡a¨ 7wUi †iwUs wQj Ò2 ev m‡šÍvlRbKÓ, 14wUi Ò3 ev †gvUvgywU fvjÓ Ges 10 wUi Ò4 ev cÖvwšÍKÓ (1wU cÖwZôvb GL‡bv †iwUs‡qi AvIZvq Av‡mwb)|
L.3. e¨e¯’vcbv `ÿZv
7.13 myôy e¨e¯’vcbv †h †Kvb Avw_©K cÖwZôvb kw³kvjxKiY I cÖe„w× AR©‡bi me‡P‡q ¸iæZ¡c~Y© c~e©kZ©| †gvU Avq-e¨q AbycvZ, cwiPvjb e¨q I †gvU e¨q AbycvZ, Kg©Pvix cÖwZ Avq I cwiPvjb e¨q Ges my` nvi e¨eavb BZ¨vw` myôz e¨e¯’vcbv g~j¨vq‡bi gvcKvwV wn‡m‡e e¨eüZ n‡q _v‡K| Ryb 2015 †k‡l, e¨e¯’vcbv `ÿZvq 32wU Avw_©K cÖwZôv‡bi g‡a¨ 2wUi
†iwUs wQj Ò1 ev my`„pÓ, 18wUi Ò2 ev m‡šÍvlRbKÓ, 8wUi Ò3 ev †gvUvgywU fvjÓ Ges 3wUi Ò4 ev cÖvwšÍKÓ (1wU cÖwZôvb GL‡bv †iwUs‡qi AvIZvq Av‡mwb)|
L.4. Avq I DcvR©b ÿgZv
7.14 Avq I DcvR©b ÿgZv Avw_©K cÖwZôv‡bi `ÿ m¤ú` e¨e¯’vcbv I `xN©‡gqvw` mÿgZvi cwiPvqK| DcvR©b Ges gybvdv cwigv‡ci wewfbœ c×wZi g‡a¨ eûj I m‡e©vËg e¨enƒZ m~PK n‡”Q m¤ú‡`i Ici Avq nvi (ROA), hv BKz¨BwUi Ici Avq nvi (ROE) Gi m¤ú~iK| Ryb 2015 G mKj Avw_©K cÖwZôv‡bi ROA I ROE wQj h_vμ‡g kZKiv 1.3 I 7.6 fvM| Ryb 2015 Gi †k‡l, DcvR©b ÿgZvq 32wU Avw_©K cÖwZôv‡bi g‡a¨ 2wUi †iwUs wQj Ò1 ev my „pÓ, 17wUi Ò2 ev m‡šÍvlRbKÓ, 11wUi Ò3 ev †gvUvgywU fvjÓ Ges 1wUi Ò4 ev cÖvwšÍKÓ (1wU cÖwZôvb GL‡bv †iwUs‡qi AvIZvq Av‡mwb)|
mviYx 7.3 †gvU FY/wjR Ges †kÖwYK…Z FY/wjR
2009 2010 2011 2012 2013 2014 2015*
FY/wjR
†kÖwYK…Z FY/wjR
†gvU FY/wj‡Ri kZKiv wn‡m‡e
†kÖwYK…Z FY/wjR
409.2
31.6
7.7
116.7
7.3
6.3
178.1
10.5
5.9
209.7
10.3
4.9
252.1
13.7
5.4
273.6
16.8
6.1
372.8
19.7
5.3
* Ryb 2015 †k‡l|Drm t Avw_©K cÖwZôvb I evRvi wefvM|
(wewjqb UvKv)
kZKi
v nvi
FY/wjR
wewj
qb U
vKv
PvU© 7.3 Avw_©K cÖwZôv‡bi †gvU †kÖwYK…Z FY/wjR I Zv‡`i AbycvZ
†kÖwYK…Z FY/wjR†gvU FY/wj‡Ri mv‡_ †kÖwYK…Z FY/wj‡Ri kZKiv nvi
* 30 Ryb 2015
0123456789
050
100150200250300350400450
2008 2009 2010 2011 2012 2013 2014 2015*
mßg Aa¨vqAvw_©K cÖwZôvbmg~‡ni Kg©`ÿZv, cÖweavb Ges ZË¡veavb
59
L.5. Zvij¨ cwiw¯’wZ
7.15 Avw_©K cÖwZôvbmg~n ïaygvÎ †gqvw` AvgvbZ MÖnY Ki‡Z cv‡i| eZ©gv‡b Avw_©K cÖwZôvbmg~n‡K †gvU †gqvw` `v‡qi kZKiv 5.0 fvM wewae× Zij m¤ú` (GmGjAvi) iƒ‡c, hvi g‡a¨ †gqvw` Avgvb‡Zi kZKiv 2.5 fvM (ˆ`wbK b~¨bZg kZKiv 2.0 fvM) bM` Zij m¤ú` (wmAviAvi) wnmv‡e wØ-mvßvwnK wfwˇZ msi¶Y Ki‡Z nq| †gqvw` AvgvbZ MÖnY K‡i bv Ggb Avw_©K cÖwZôvbmg~‡ni GmGjAvi kZKiv 2.5 fvM| miKvwi Avw_©K cÖwZôvb Bbd«v÷ªvKPvi †W‡fjc‡g›U †Kv¤úvbx wjwg‡UW (IDCOL) wewae× Zij m¤ú` msiÿ‡Yi G eva¨evaKZv †_‡K Ae¨vnwZcÖvß| Ryb 2015 †k‡l Zvij¨ cwiw¯’wZ‡Z 32wU Avw_©K cÖwZôv‡bi g‡a¨ 20wUi †iwUs wQj Ò2 ev m‡šÍvlRbKÓ, 9wUi Ò3 ev †gvUvgywU fvjÓ Ges 2wUi Ò4 ev cÖvwšÍKÓ (1wU cÖwZôvb GL‡bv †iwUs‡qi AvIZvq Av‡mwb)|
L.6. evRvi SzuwKRwbZ ms‡e`bkxjZv
7.16 my` nvi ev BKy¨BwUi cwieZ©b †Kvb Avw_©K cÖwZôv‡bi m¤ú`-`vq, DcvR©b Ges g~ja‡bi Dci Kx ai‡bi weiƒc cÖfve †d‡j, Zv evRvi SuzwKRwbZ ms‡e`bkxjZvi gvÎv wb‡`©k K‡i| G ms‡e`bkxjZv g~j¨vq‡bi mgq Kvh©Ki SzuwK e¨e¯’vcbvi gva¨‡g evRvi SzuwK wbiƒcY I wbqš¿‡Y †Kvb cÖwZôv‡bi e¨e¯’vcbvi mÿgZvi Dci ¸iæZ¡ †`qv n‡q _v‡K| ms‡e`bkxjZv g~j¨vq‡bi †ÿ‡Î †Kvb KwVb cwiw¯’wZ‡Z my`nvi A_ev BKz¨BwU g~‡j¨i (A_ev Df‡qiB) m¤¢ve¨ AwfNvZRwbZ ye©jZv‡K we‡ePbvq †bqv nq| A‡bK Avw_©K cÖwZôv‡bi †ÿ‡ÎB evRvi SzuwKi cÖv_wgK Drm bb&&-†UªwWs Ae¯’v Ges my‡`i nvi cwieZ©‡b Zvi ms‡e`bkxjZv †_‡K D™¢‚Z nq| Ryb 2015 †k‡l evRvi SzuwKi mv‡_ ms‡e`bkxjZvq 32wU Avw_©K cÖwZôv‡bi g‡a¨ 6wUi †iwUs wQj Ò2 ev m‡šÍvlRbKÓ, 18wUi Ò3 ev †gvUvgywU fvjÓ Ges 7wUi Ò4 ev cÖvwšÍKÓ (1wU cÖwZôvb GL‡bv †iwUs‡qi AvIZvq Av‡mwb)|
L.7. mgwš^Z K¨v‡gjm& †iwUs
7.17 Ryb 2015-G 32wU Avw_©K cÖwZôv‡bi g‡a¨ 1wUi mgwš^Z K¨v‡gjm&& †iwUs wQj Ò1 ev my „pÓ 14wUi Ò2 ev m‡šÍvlRbKÓ, 15wUi Ò3 ev †gvUvgywU fvjÓ Ges 1wUi Ò4 ev cÖvwšÍKÓ (Aewkó 1wU GL‡bv †iwUs‡qi AvIZvq Av‡mwb)|
M. AvBwb KvVv‡gv I cÖæ‡WwÝqvj †i¸‡jkÝ
7.18 Avw_©K cÖwZôvbmg~‡ni Avw_©K mvg_©¨ Dbœqb Ges Kvh©μ‡g AwaKZi ¯^”QZv Avbqbc~e©K G LvZ‡K kw³kvjxKi‡Yi avivevwnK cÖwμqvi Ask wn‡m‡e A_©eQi 15-G KwZcq bxwZ wba©viYx I wbqš¿Yg~jK c`‡ÿc M„nxZ n‡q‡Q|
M.1. Avw_©K cÖwZôvbmg~‡ni g~jab ch©vßZv Ges e¨v‡mj GKW© ev¯Íevq‡b AMÖMwZ
7.19 1 Rvbyqvwi 2012 n‡Z Avw_©K cÖwZôvbmg~‡n e¨v‡mj-2 Gi ev¯Íevqb Kvh©μg Pj‡Q| AvšÍR©vwZK DËg cš’vmg~‡ni Abykxjb Ges Avw_©K cÖwZôvbmg~‡ni g~jab KvVv‡gv AwaKZi SzuwKwfwËK I AvNvZ-mnbkxj KiYv‡_© evsjv‡`k e¨vsK cÖæ‡WwÝqvj MvBWjvBbm& Ab K¨vwcUvj A¨vwW‡Kv‡qwm A¨vÛ gv‡K©U wWwmwcøb (CAMD) bvgK GKwU MvBWjvBb cÖYqb K‡i‡Q| wewae× cwicvjb wn‡m‡e mKj Avw_©K cÖwZôvb‡K G MvBWjvBb AbymiY Ki‡Z nq| evsjv‡`k e¨vs‡Ki GKRb †WcywU Mfb©‡ii †bZ…‡Z¡ Avw_©K cÖwZôvbmg~‡ni cÖavb wbe©vnxi mgš^‡q GKwU D”P ch©v‡qi w÷qvwis KwgwU i‡q‡Q, hviv bxwZMZ wm×v‡šÍi Dci Kvh©μg cwiPvjbv K‡i _v‡Kb| evsjv‡`k e¨vs‡Ki GKRb wbe©vnx cwiPvj‡Ki †bZ…‡Z¡ GKwU IqvwK©s MÖæc w÷qvwis KwgwU‡K mnvqZv K‡ib|
mviYx 7.4 Avw_©K cÖwZôvbmg~‡ni gybvdv AR©‡bi nvi
2008 2009 2010 2011 2012 2013 2014 2015*
BKz¨BwU Avq nvi (ROE)
m¤ú` Avq nvi (ROA)
12.92.1
20.93.2
24.44.3
11.72.1
10.41.9
7.51.5
7.61.3
9.91.8
* 30 Ryb 2015|Drm t Avw_©K cÖwZôvb I evRvi wefvM, evsjv‡`k e¨vsK|
(kZKiv)
Avw_©K cÖwZôvbmg~‡ni Kg©`ÿZv, cÖweavb Ges ZË¡veavbmßg Aa¨vq
60
e¨v‡mj GKW© ev¯Íevq‡b w÷qvwis KwgwU I IqvwK©s MÖæ‡ci wewfbœ wb‡`©kbv cwicvj‡bi Rb¨ Avw_©K cÖwZôvb I evRvi wefv‡M e¨v‡mj ev¯Íevqb †mj KvR Ki‡Q|
M.2. Avw_©K cÖwZôvbmg~‡ni K‡c©v‡iU mykvmb
7.20 Avw_©K cÖwZôvbmg~‡n K‡c©v‡iU mykvmb wbwðZKi‡Yi j‡ÿ¨ cwiPvjbv cl©`, wewfbœ KwgwU, e¨e¯’vcbv I cÖavb wbe©vnx Kg©KZ©vi ÿgZv, `vwqZ¡ I Kvh©vejx evsjv‡`k e¨vsK KZ…©K my¯úófv‡e wba©vwiZ i‡q‡Q| cwiPvjbv cl©` cÖwZôv‡bi wfkb/wgkb, evwl©K †KŠkjMZ cwiKíbv, gyL¨ Kvh©`ÿZv wb‡`©kK, gyL¨ SzuwK e¨e¯’vcbvi MvBWjvBb BZ¨vw` wba©viY I Aby‡gv`b K‡i _v‡Kb| Zviv †Kvbfv‡eB cÖwZôv‡bi ˆ`bw›`b cwiPvjb Kvh©μ‡g n¯Í‡ÿc Ki‡eb bv| cÖavb wbe©vnx Kg©KZ©v cÖwZôv‡bi ˆ`bw›`b Kvh©vejx I e¨emv cwiKíbv ev¯Íevq‡bi Rb¨ `vqe×|
M.3. m¤ú‡`i †kÖwYweb¨vm I cÖwfkwbs
7.21 Avw_©K cÖwZôvbmg~n FY, AwMÖg, wjR, wewb‡qvM BZ¨vw`i †gqv` ch©v‡jvPbvq m¤¢ve¨ ÿwZi wecix‡Z ms¯’vb msiÿY K‡i _v‡K| FY/wj‡Ri †gqv‡`vËx‡Y©i wfwˇZ G‡`i ÷¨vÛvW©, we‡kl D‡jøL wnmve, wb¤œgvb, m‡›`nRbK I g›`/ÿwZ gv‡b †kÖwYKiY K‡i h_vμ‡g kZKiv 1, 5, 20, 50 I 100 fvM ms¯’vb msiÿY Ki‡Z nq| Ryb 2015 G †gvU e‡Kqv FY/wj‡Ri cwigvY wQj 409.2 wewjqb UvKv, hvi g‡a¨ †kÖwYK…Z wQj 31.6 wewjqb UvKv (kZKiv 7.7 fvM)|
M.4. FY cybtZdwmwjKi‡Yi bxwZgvjv
7.22 evsjv‡`k e¨vsK KZ…©K wba©vwiZ nv‡i WvDb †c‡g›U bM‡` MÖnY mv‡c‡ÿ Avw_©K cÖwZôvbmg~n Zv‡`i FY/wjR wnmve cybtZdwmj Ki‡Z cv‡i| FY/wjR wnmve 1g, 2q I Z`&cieZx© av‡c cybtZdwmwjKi‡Yi Rb¨ b~¨bZg M„nxZe¨ WvDb †c‡g‡›Ui cwigvY n‡e h_vμ‡g †gqv‡`vËxY© wKw¯Íi kZKiv 15, 30 I 50 fvM ev †gvU e‡Kqvi kZKiv 10, 20 I 30 fvM-G yÕ‡qi g‡a¨ hv Kg|
M.5. gyL¨ SzuwK e¨e¯’vcbv
7.23 Avw_©K cÖwZôvbmg~‡ni cuvPwU gyL¨ SzuwK †hgb-FY SzuwK e¨e¯’vcbv, Af¨šÍixY wbqš¿Y I cwicvjb, m¤ú`-`vq e¨e¯’vcbv, gvwbjÛvwis cÖwZ‡iva SzuwK e¨e¯’vcbv I Z_¨-cÖhyw³ e¨e¯’vcbv m¤úwK©Z MvBWjvBb Bmy¨ Kiv n‡q‡Q| Avw_©K cÖwZôvbmg~n evsjv‡`k e¨vsK KZ…©K Bmy¨K…Z MvBWjvBbmg~‡ni b~¨bZg wfwË we‡ePbvq Zv‡`i wbR¯^ SzuwK e¨e¯’vcbvi MvBWjvBb cÖ¯‘Z K‡i _v‡K|
M.6. †÷ªm †Uw÷s
7.24 †`‡ki A_©vqb e¨e¯’v AwaKZi kw³kvjx Kivi j‡¶¨ evsjv‡`k e¨vsK 2010 mb n‡Z Avw_©K cÖwZôvbmg~‡ni †÷ªm †Uw÷s Kvh©μg Aa©-evwl©K wfwˇZ cwiPvjbv K‡i Avm‡Q| Avw_©K cÖwZôvbmg~‡ni Rb¨ Avw_©K Ae¯’vi wb‡`©kK, †`Dwjqv‡Z¡i nvi (Insolvency Ratio), Kvh© cwiKíbvi mycvwikgvjv ¯^qswμqfv‡e wbY©‡qi j‡ÿ¨ eyw×wfwËK ¯^qswμq dig¨vU, 1 †_‡K 5 ch©šÍ †iwUs †¯‹j, fvixZ w¯’wZ¯’vcKZv- fvixZ †`Dwjqv‡Z¡i nvi (WAR-WIR Matrix) Øviv AÂjwfwËK Ae¯’vb (meyR, njy` I jvj) m¤^wjZ ms‡kvwaZ MvBWjvBb Rvwi Kiv n‡q‡Q| ms‡kvwaZ MvBWjvBb Abyhvqx Avw_©K cÖwZôvbmg~n‡K ˆÎgvwmK A_©vr 31 gvP©, 30 Ryb, 30 †m‡Þ¤^i Ges 31 wW‡m¤^i wfwˇZ †÷ªm †Uw÷s Ki‡Z nq| Ryb 2015 Gi †÷ªm †Uw÷s cÖwZ‡e`b Abyhvqx 31wU Avw_©K cÖwZôv‡bi g‡a¨ 4wU meyR A‡j, 13wU njy` A‡j Ges Aewkó 14wU jvj A‡j Ae¯’vb KiwQj|
N. MÖvnK ¯^v_© msiÿY msμvšÍ wewagvjv
N.1. PvR©-Gi ZvwjKv
7.25 AvgvbZKvix/ wewb‡qvMKvix/ MÖvnK ¯^v_© msiÿYv‡_© KwZcq †mevi wecix‡Z avh©K…Z PvR© †hŠw³K ch©v‡q wba©viYmn wewfbœ †mevi wecix‡Z avh©K…Z Pv‡R©i GKwU m¤ú~Y© ZvwjKv kvLv I cÖavb Kvh©vj‡qi myweavRbK `„k¨gvb ¯’v‡b cÖ`k©b Kivi cvkvcvwk cÖwZôv‡bi ¯^-¯^ I‡qemvB‡U Avc‡jvW Kivi Rb¨ evsjv‡`k e¨vsK n‡Z Avw_©K cÖwZôvb¸‡jv‡K wb‡`©kbv †`qv n‡q‡Q| evsjv‡`k e¨vsK KZ…©K h_vh_
61
mßg Aa¨vqAvw_©K cÖwZôvbmg~‡ni Kg©`ÿZv, cÖweavb Ges ZË¡veavb
gwbUwis Kvh©μg cwiPvjbvi j‡ÿ¨ Avw_©K cÖwZôvbmg~n lvY¥vwmK wfwˇZ GZ`&msμvšÍ weeiYx `vwLj K‡i _v‡K| KwgU‡g›U wd, mycviwfkb wd Ges †PK wWRAbvi wd bv‡g †Kvb Kwgkb/PvR© Av‡ivc Kiv hv‡e bv|
N.2. evsjv‡`‡k Avw_©K cÖwZôv‡bi cY¨ I †mevmg~‡ni MvBWjvBb
7.26 Avw_©K Lv‡Zi cY¨ I †mevi P¨v‡jÄ †gvKv‡ejvq Avw_©K cÖwZôvb¸‡jvi G welqK wbqš¿Y KvVv‡gvi cybg©~j¨vqb I cybwe©b¨vm cÖ‡qvRb| G D‡Ï‡k¨ Avw_©K cÖwZôvbmg~‡ni Rb¨ “Guidelines on Products and Services of Financial Institutions in Bangladesh” cÖYqb Kiv n‡q‡Q| G MvBWjvB‡b we`¨gvb I fwel¨r cY¨ I †mevmg~‡ni wewfbœ welq AšÍf©y³ Kiv n‡q‡Q| MÖvnK-¯^v_© msiÿY evsjv‡`k e¨vs‡Ki Ab¨Zg cÖavb jÿ¨, G MvBWjvBbwUi gva¨‡g Zv wbwðZKi‡Yi e¨e¯’v M„nxZ n‡q‡Q| GwU cÖwZôvbmg~‡ni cY¨ I †mev msμvšÍ SzuwK e¨e¯’vcbvi Dbœqb Ges bZzb cY¨ I †mev D™¢ve‡bi †ÿ‡Î k„sLjv Avbq‡bI ¸iæZ¡c~Y© f~wgKv cvjb Ki‡e|
O. Avw_©K cÖwZôvbmg~‡ni Rb¨ Cost of Funds Index
7.27 2013 m‡b cÖYxZ MvBWjvB‡bi Av‡jv‡K Avw_©K cÖwZôvbmg~n Base Rate Ges Cost of
Funds msμvšÍ gvwmK weeiYx wbqwgZfv‡e evsjv‡`k e¨vs‡K `vwLj Ki‡Q| Gme weeiYxi wfwˇZ cÖ¯‘ZK…Z Cost of Funds Index wbqwgZfv‡e evsjv‡`k e¨vs‡Ki I‡qemvB‡U Avc‡jvW Ges nvjbvMv` Kiv n‡”Q| D‡jøL¨, Base Rate n‡jv FY/wjR myweav cÖ`v‡bi me©wb¤œ my` nvi-hvi Kg nv‡i FY cÖ`vb Kiv jvfRbK n‡e bv| FY/wjR myweavi †ÿ‡Î my` nvi wba©vi‡Yi †Kvbiƒc MvBWjvBb bv _vKvq Avw_©K cÖwZôvbmg~n BZtc~‡e© wbR¯^ Avw½‡K wfbœ wfbœ fv‡e my` nvi wba©viY KiZ| †Kvb †Kvb Avw_©K cÖwZôvb fvmgvb ev floating my`nv‡i FY myweav cÖ`vb KiZ| †m‡ÿ‡Î Zv‡`i wbR¯^ Znwej e¨‡qi ZviZ‡g¨i Dci wbf©i K‡i my`v‡ivc Kiv n‡Zv| d‡j, Zv‡`i Zvij¨ e¨e¯’vcbvi `ÿZv ev A`ÿZvi cÖfve mivmwi MÖvn‡Ki Dci coZ| Avw_©K cÖwZôvbmg~‡ni floating interest rate wba©vi‡Y Cost of Funds Index (Znwej e¨q m~PK) MÖnY‡hvM¨ reference rate wn‡m‡e e¨eüZ n‡”Q| Base Rate System Avw_©K cÖwZôvbmg~‡ni my` nvi wbY©q cÖwμqv‡K mnRZi Ges wnmvevq‡bi ¯^”QZv I cÖwZôvbmg~‡ni Revew`wnZv AwaKZi wbwðZ Ki‡Q| Avgv‡`i cÖwZ‡ekx †`k fviZ, †bcvj I fzUvbmn wewfbœ †`‡k e¨vsK I Avw_©K cÖwZôv‡bi Rb¨ wfwË nvi c×wZ (Base Rate System) cÖPwjZ i‡q‡Q| evsjv‡`‡k G cÖ_g Avw_©K cÖwZôvbmg~‡ni Rb¨ wfwË nvi c×wZ Pvjy Kiv n‡q‡Q| D‡jøL¨, Cost of Funds Index Gi e¨envi G A‡j GUvB cÖ_g|
62
Aóg Aa¨vq
8.1 evsjv‡`k e¨vsK †`‡ki Avw_©K evRvi‡K GKwU DbœZgv‡bi Kvh©Kix Avw_©K evRvi wn‡m‡e M‡o †Zvjvi cvkvcvwk Gi w¯’wZkxjZv eRvq ivLvi cÖqvm A_©eQi 15-†ZI Ae¨vnZ †i‡L‡Q|
gy`ªv evRvi
Kjgvwb gv‡K©U-A_©eQi 15
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8.4 A_©eQi 15-G †gvU 182wU cybtμq Pzw³ wbjvg (we‡kl †i‡cv I LSF wbjvgmn) AbywôZ nq| D³ wbjv‡g †gvU 4597.20 wewjqb UvKvi 2983wU `ic‡Îi g‡a¨ †gvU 4593.40 wewjqb UvKv M„nxZ nq, hv A_©eQi 14-Gi M„nxZ `icÎmg~‡ni g~j¨gv‡bi Zzjbvq kZKiv 7.87 fvM †ewk wQj; †hLv‡b A_©eQi 14-Gi †gvU wbjv‡g 4352.95 wewjqb UvKvi 2102wU `ic‡Îi g‡a¨ †gvU 4258.33 wewjqb UvKvi `icÎ M„nxZ n‡qwQj (mviYx 8.2)| A_©eQi 15-G M„nxZ `ic‡Îi my‡`i nv‡ii mxgv wQj evwl©K kZKiv 7.25-10.75 fvM, c~e©eZx© A_©eQ‡iI G my‡`i nv‡ii mxgv GKB wQj|
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evsjv‡`k e¨vsK wej
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182
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1027273
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229
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64
Avw_©K evRviAóg Aa¨vq
miKvwi wmwKDwiwUR gv‡K©U
miKvwi †UªRvwi we‡ji wbjvg
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evsjv‡`k Mfb©‡g›U †UªRvwi eÛ (wewRwUwe) Gi wbjvg
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Bb‡f÷‡g›U cÖ‡gvkb GÛ wdb¨vwÝs d¨vwmwjwU (IPFF)
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A_©eQi 16-Gi †gvU Dbœqb e¨q aiv n‡q‡Q 1025.6 wewjqb UvKv, hv wRwWwcÕi kZKiv 6.0 fvM| G
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10.12 A_©eQi 15-Gi ev‡R‡U cÖ‡ÿwcZ PjwZ e¨q `uvovq 1645.7 wewjqb UvKv (mviYx 10.1 I 10.3)| †gvU PjwZ e¨‡qi cÖvq GK PZz_©vs‡ki †ewk eivÏ Kiv n‡q‡Q mvgvwRK Lv‡Z, hvi cÖavb AskB wk¶v I cÖhyw³, ¯^v¯’¨, mvgvwRK wbivcËv I Kj¨vY Kg©m~wP‡Z e¨wqZ nIqvi gva¨‡g gvbe m¤ú` Dbœqb I mvgvwRK wbivcËv †eóbx m¤úªmvi‡Y mnvqZv Ki‡e (mviYx 10.4)|
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10.13 A_©eQi 16-G evwl©K Dbœqb Kg©m~wP 970.0 wewjqb UvKv cÖ‡¶cY Kiv nq, hv A_©eQi 15-Gi ms‡kvwaZ evwl©K Dbœqb Kg©m~wP 750.0 wewjqb UvKv A‡c¶v kZKiv 29.3 fvM †ewk| †gvU evwl©K Dbœqb Kg©m~wPi kZKiv 43.5 fvM AeKvVv‡gv Lv‡Z eivÏ †`qv n‡q‡Q| Ab¨w`‡K, †gvU evwl©K Dbœqb Kg©m~wPi kZKiv 17.0 fvM †c‡q‡Q mvgvwRK LvZ (mviYx 10.5)|
(M) A_©eQi 16-Gi ev‡RU NvUwZ A_©vqb
10.14 A_©eQi 16-Gi cÖv°wjZ 866.6 wewjqb UvKv ev‡RU NvUwZ (Aby`vb e¨ZxZ) A_©eQi 15-Gi ms‡kvwaZ ev‡RU NvUwZi Zzjbvq 103.6 wewjqb UvKv †ewk| A_©eQi 16-G cÖ‡ÿwcZ ev‡RU NvUwZ-wRwWwc AbycvZ kZKiv 5.0 fvM| Avkv Kiv n‡”Q †h, Af¨šÍixY e¨vsK I e¨vsK-ewnf‚©Z F‡Yi gva¨‡g NvUwZi 565.2 wewjqb UvKv (wRwWwcÕi kZKiv 3.3 fvM) c‚iY Kiv n‡e, hv A_©eQi 15-Gi ms‡kvwaZ ev‡R‡U wQj 547.1 wewjqb UvKv (wRwWwcÕi kZKiv 3.6 fvM) Ges ˆe‡`wkK A_©vq‡bi gva¨‡g Aewkó 243.3 wewjqb UvKv (wRwWwcÕi kZKiv 1.4 fvM) †gUv‡bv n‡e, hv A_©eQi 15-G wQj 159.1 wewjqb UvKv (wRwWwcÕi kZKiv 1.1 fvM) (PvU© 10.3 I 10.4)| Af¨šÍixY FY 565.2 wewjqb UvKvi g‡a¨ e¨vsK e¨e¯’v n‡Z FY 385.2 wewjqb UvKv cÖ‡¶cY Kiv nq|
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11.3 †gvU Avg`vwb e¨q (GdIwe) A_©eQi 15-G 4114 wgwjqb Wjvi (kZKiv 11.3 fvM) e„w× †c‡q 40685 wgwjqb Wjv‡i uvovq (cwiwkó-3, mviYx-16)| A_©eQi 15-G Jla mvgMÖx, ˆZjexR, Ges wPwbi FYvZ¥K cÖe„w× nIqv m‡Ë¡I Lv`¨km¨, gmjv, Wvj, Acwi‡kvwaZ R¡vjvwb †Zj I mvi BZ¨vw` Avg`vwb‡Z D‡jøL‡hvM¨ cÖe„w× mvgwMÖK Avg`vwbi cÖe„wׇK Z¡ivwš^Z K‡i| Avg`vwb wRwWwci kZKiv Ask wn‡m‡e 0.3 cv‡m©‡›UR c‡q›U n«vm †c‡q A_©eQi 14-Gi kZKiv 21.2 fvM †_‡K A_©eQi 15-G kZKiv 20.9 fv‡M `uvovq|
11.4 Avg`vwb e¨‡qi D”P cÖe„w×i cvkvcvwk ißvwb Av‡qi m‡šÍvlRbK cÖe„w×i Kvi‡Y A_©eQi 14-Gi Zzjbvq A_©eQi 15-G mvgwMÖKfv‡e evwYR¨ NvUwZi cwigvY e„w× cvq| evwYR¨ NvUwZ A_©eQi 14-Gi 6794 wgwjqb Wjvi †_‡K e„w× †c‡q A_©eQi 15-G 9917 wgwjqb Wjv‡i `uvovq| †mev wnmv‡e NvUwZ A_©eQi 14-Gi 4099 wgwjqb Wjvi †_‡K D‡jøL‡hvM¨ cwigv‡Y 529 wgwjqb Wjvi (kZKiv 12.9 fvM) e„w× †c‡q A_©eQi 15-G 4628 wgwjqb Wjv‡i uvovq| cÖv_wgK Avq wnmv‡e NvUwZI A_©eQi 14-Gi 2635 wgwjqb Wjvi †_‡K kZKiv 13.7 fvM e„w× †c‡q A_©eQi 15-G 2995 wgwjqb Wjv‡i `uvovq| gva¨wgK Avq wnmv‡e NvUwZ A_©eQi 14-Gi 14934 wgwjqb Wjvi †_‡K e„w× †c‡q (kZKiv 6.4 fvM) A_©eQi 15-G 15894 wgwjqb Wjv‡i uvovq| PjwZ wnmv‡e AšÍf©y³ cÖevmx evsjv‡`wk‡`i †cÖwiZ †iwgU¨vÝ A_©eQi-15 G 7.5 fvM e„w× cvq| G mKj Lv‡Zi mvwe©K dj n‡jv c~‡e© DwjøwLZ PjwZ wnmve Lv‡Zi fvimv‡g¨ NvUwZ| wRwWwc-Gi kZKiv Ask wn‡m‡e PjwZ wnmve fvimvg¨ A_©eQi 14-Gi kZKiv
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105
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12.3 MZvbyMwZK KvMRwfwËK †c‡g›U wm‡÷gm& wQj Avav ¯^qswμq, mgq‡ÿcYkxj I SzuwKeûj| G c×wZ AvšÍR©vwZK gvbm¤úbœ mgch©v‡qi wQjbv| evsjv‡`‡k 7 A‡±vei 2010 Gi c~‡e© Pvi ai‡bi †c‡g›U I †m‡Uj‡g›U wm‡÷gm& Pvjy wQj| †PK, e¨vsK WªvdU&, †c AW©vi, wWwf‡WÛ I widvÛ Iqv‡i›U cÖf…wZi gva¨‡g Av‡M g¨vby‡qj c×wZ‡Z wbKvk N‡i wb®úwË Kiv n‡Zv| ZvQvov, †μwWU KvW©, †WweU KvW© Ges GwUGg †jb‡`bI kni GjvKv¸‡jv‡Z RbwcÖq n‡q D‡V‡Q|
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12.4 †`‡k GKwU DbœZ †c‡g›U wm‡÷gm& Pvjyi D‡Ï‡k¨ 7 A‡±vei 2010 ZvwiL n‡Z evsjv‡`k
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106
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e¨emvwqK †ÿ‡Î e¨w³i †c‡g›Um& †hgbt †eZb weZiY, wWwf‡WÛ Ges widvÛ Iqv‡i›U †c‡g›Um&, †fÛi †c‡g›Um& BZ¨vw`|
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12.11 †gvevBj dvBb¨vwÝqvj mvwf©‡mm Gi AvIZvq GKRb MÖvnK (e¨w³) wnmv‡e ˆ`wbK bM` Rgv I bM` D‡Ëvj‡bi cwigvY cÖwZ‡ÿ‡Î m‡e©v”P 25000 UvKv Z‡e gvwmK wfwˇZ bM` Rgv wKsev D‡Ëvj‡bi cwigvY me©‡gvU 150000 UvKv Gi AwaK n‡e bv Ges e¨w³ †_‡K e¨w³i †jb‡`‡bi mxgv ˆ`wbK m‡e©v”P 10000 UvKv Ges gvwmK m‡e©v”P 25000 UvKv wba©viY Kiv n‡q‡Q| evsjv‡`k †cv÷ Awdm (BPO) 5 †m‡Þ¤^i 2011 n‡Z 1968wU kvLvq ÔÔ†cv÷ B-†cÕÕ mvwf©m Pvjy K‡i‡Q †hwU cieZ©x mg‡q av‡c av‡c evsjv‡`k †cv÷ Awd‡mi mKj kvLvq (9886) †gvevBj Acv‡iUi Gi mnvqZvq Pvjy Kiv n‡e| D³ †mev †c‡Z n‡j †cv÷ Awd‡m MÖvnK‡`i bvg wbeÜb Ki‡Z n‡e|
B-Kgvm©
12.12 evsjv‡`k e¨vsK B-Kgvm© Pvjy Kivi wb‡`©kbv cÖ`vb K‡i‡Q| Aby‡gvw`Z †jb‡`bmg~n wb¤œiƒct
MÖvn‡Ki A¨vKvD›U †_‡K cÖvc‡Ki A¨vKvD‡›U BDwUwjwU we‡ji AbjvBb †c‡g›U|
GKB e¨vs‡Ki GKRb MÖvn‡Ki wfbœ A¨vKvD‡›Ui g‡a¨ UvKv ¯’vbvšÍi, †μZvi e¨vsK A¨vKvD›U n‡Z we‡μZvi e¨vsK A¨vKvD‡›U cY¨ μq weμ‡qi myev‡` A_© cÖ`vb ev MÖnY|
B›Uvi‡b‡Ui gva¨‡g †μwWU KvW© e¨envi K‡i †`kxq gy`ªvq †jb‡`b|
11 gvP© 2011 †_‡K gvwbjÛvwis cÖwZ‡ivag~jK bxwZgvjv Ges G m¤úwK©Z mvKz©jvi Gi mv‡_ m½wZ †i‡L GKB e¨vs‡Ki GKRb MÖvn‡Ki A¨vKvD›U †_‡K Ab¨ MÖvn‡Ki A¨vKvD‡›U B›Uvi‡bU myweavi gva¨‡g 500000 UvKvi Kg †jb‡`b Kivi Aby‡gv`b cÖ`vb Kiv n‡q‡Q|
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G·‡cÖm bvgK GK ai‡bi cwienb †mev cÖ`v‡bi Rb¨ evsjv‡`‡k me©cÖ_g B-gvwb Pvjy Kiv nq| e¨vcK my‡hvM _vKv m‡Ë¡I kyay Rbm‡PZbZvi Afv‡e Zv mdj n‡Z cv‡iwb| cieZ©x mg‡q wKQz eªvÛ/mycvi k‡ci Rb¨ Kgvwk©qvj e¨vsK wcÖ‡cBW KvW© cÖPjb ïiæ K‡i| wKš‘ dvBb¨vwÝqvj mvwf©‡mm Pvjyi gva¨‡g cÖK…Z/Avmj av°v Av‡m| wWweweGj †gvevBj mvwf©‡mm Ges weKvk †`‡ki B-gvwb cÖmvi cwieZ©b K‡i †d‡j| eZ©gv‡b 12.2 wgwjqb wnmveavix cÖwZw`b 3.2 wgwjqb †jb‡`‡bi gva¨‡g 4603.8 wgwjqb UvKv †jb‡`b K‡i|
B‡j±ªwbK gvwb‡K RbwcÖq Ki‡Z evsjv‡`k e¨vsK cÖvB‡fU †m±i‡K D™¢vebx †KŠkj †ei Kivi Rb¨ DrmvwnZ K‡i _v‡K| †c‡g›U wm‡÷gm& Acv‡iUi wn‡m‡e KvR Kivi Rb¨ i-Pay Limited Ges Aamra Boloro-†K jvB‡mÝ cÖ`vb Kiv n‡q‡Q| Avkv Kiv hv‡”Q, G eQ‡ii †k‡li w`‡K GwU KvR Avi¤¢ Ki‡e|
bZzb †Kv¤úvwbi AskMÖn‡Yi gva¨‡g AskMÖnYKvix‡`i g‡a¨ cÖK…Z I djcÖm~ cÖwZ‡hvwMZv ˆZwi Kivi Rb¨ Ges bZzb, D™¢vebx I wbivc` B‡j±ªwbK gvwb cÖPj‡bi Rb¨ evsjv‡`k e¨vsK AZ¨šÍ AvMÖ‡ni mv‡_ KvR K‡i hv‡”Q|
e· 12.1
AbjvBb †c‡g›U †MUI‡q mvwf©m †cÖvfvBWvim (OPGSPs)
12.13 AbjvBb †c‡g›U †MUI‡q mvwf©m †cÖvfvBWvim Gi †mevi μgea©gvb f‚wgKvi †cÖwÿ‡Z Aby‡gvw`Z wWjviiv GLb ÿz`ª f¨vjy mvwf©m G·‡cv‡U©i †ÿ‡Î WvUv Gw›Uª/WvUv cÖ‡mm, Ad‡kvi AvBwU mvwf©m, weR‡bm cÖ‡mm AvDU‡mvwm©s, cÖf…wZi gva¨‡g †`‡k †iwgU¨vÝ Avbq‡bi myweav cÖ`vb Ki‡Z cv‡i| Dc‡iv³ †mev cÖvß ißvwbKviKiv AbjvBb †c‡g›U †MUI‡q mvwf©m †cÖvfvBWvi, †hgbt †cc¨vj, gvwb eyKvim& †e÷ †c‡g›U †MUI‡q Ges fvP©yqvj †c AbjvBb cøvUdg© Gi gva¨‡g Zv‡`i ˆe‡`wkK †jb‡`b MÖnY Ki‡Z mÿg n‡eb|
bZzb †c‡g›U wm‡÷gm& Gi D‡`¨vM
12.14 `ÿ Ges MwZkxj †c‡g›U wm‡÷gm& Gi μgea©gvb Pvwn`vi †cÖwÿ‡Z evsjv‡`k e¨vsK b¨vkbvj †c‡g›U myBP evsjv‡`k (NPSB), wi‡qj UvBg MÖm †m‡Uj‡g›U (RTGS) Gi b¨vq A‡bK bZzb c`‡ÿc MÖnY K‡i‡Q|
12.15 GwUGg, wcIGm, B›Uvi‡bU, †gvevBj A¨vwcø‡Kkb cÖf…wZi gva¨‡g D™¢‚Z AvšÍte¨vsK B‡j±ªwbK †c‡g›U‡K mnRZi Kivi Rb¨ National Payment Switch Bangladesh (NPSB) ev¯Íevq‡bi Kvh©μg ïiæ n‡q‡Q| †`ke¨vcx wi‡UBj †c‡g›U †bUIqvK© Ges B-Kgv‡m©i we¯Í…wZ NUv‡bv NPSB Gi Ab¨Zg cÖavb D‡Ïk¨| GbwcGmwei Kvh©μg Gi d‡j B›Uvi‡b‡Ui gva¨‡g miKvwi e‡Kqv we‡ji AbjvBb †c‡g›U e¨vcKfv‡e e„w× cv‡e| 27 wW‡m¤^i 2012 ZvwiL n‡Z evsjv‡`k e¨vsK KZ…©K cwiPvwjZ b¨vkbvj †c‡g›U myBP evsjv‡`k (NPSB) Gi AvbyôvwbK Kvh©μg ïiæ nq| eZ©gv‡b 46wU e¨vsK GbwcGmwe‡Z mshy³ n‡q AvšÍte¨vsK KvW©wfwËK
mviYx 12.1 GgGdGm (MFS) DcvË (Ryb 2015)Aby‡gvw`Z e¨vs‡Ki msL¨vMFS Kvh©μ‡gi ïiæ‡Z e¨vs‡Ki msL¨vwbewÜZ MÖvnK msL¨vG‡R›U msL¨v†jb‡`b (UvKvq)/w`b
28 20
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12.16 evsjv‡`k e¨vsK Gwkqvb †W‡fjc‡g›U e¨vsK (GwWwe) Gi Avw_©K mnvqZvq wi‡qj UvBg MÖm †m‡Uj‡g›U (RTGS) Pvjyi c`‡ÿc MÖnY K‡i‡Q hvi gva¨‡g D”Pg~‡j¨i †`kxq gy`ªv wfwËK †jb‡`bmn Mfb©‡g›U wmwKDwiwUR Ges ˆe‡`wkK gy`ªv wfwËK †jb‡`b ZvrÿwYKfv‡e wb®úwË Kiv m¤¢e| evsjv‡`k e¨vsK 2015 mv‡ji g‡a¨ AviwUwRGm Pvjy Ki‡e|
AvBwb Ges cÖwewaMZ KvVv‡gv
12.17 B‡j±ªwbK dvÛ UªvÝdvi‡K mnvqZv Kivi j‡ÿ¨ evsjv‡`k e¨vsK †ek K‡qKwU AvBwb Ges cÖwewaMZ `wjj cÖKvk K‡i‡Q| evsjv‡`‡ki †c‡g›U I †m‡Uj‡g›U wm‡÷gm& Gi we`¨gvb AvBwb Ges cÖwewaMZ KvVv‡gvmg~n wb¤œiƒc t
11 Rvbyqvwi 2010 Zvwi‡L cÖKvwkZ ÔÔevsjv‡`k A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷gm& Acv‡iwUs iæjm Ges cÖwmwWDim&ÕÕ|
†m‡Þ¤^i 2011 Zvwi‡L cÖKvwkZ ÔÔ†gvevBj dvBb¨vwÝqvj mvwf©‡mm msμvšÍ bxwZgvjvÕÕ|
15 †g 2014 Zvwi‡L cÖKvwkZ ÔÔevsjv‡`k †c‡g›U I †m‡Uj‡g›U wm‡÷gm& †i¸‡jkbm& 2014ÕÕ|
15 †g 2014 Zvwi‡L cÖKvwkZ ÔÔevsjv‡`k B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© Acv‡iwUs iæjm&ÕÕ|
9 wW‡m¤^i 2013 Zvwi‡L cÖKvwkZ ÔÔMvBWjvBbm& Ab G‡R›U e¨vswKsÕÕ|
12.18 wek¦e¨vs‡Ki (IFC-BICF) mnvqZvq evsjv‡`k e¨vsK †c‡g›U wm‡÷gm& A¨v± Gi Lmov cÖ¯‘Z K‡i‡Q Ges Gi P‚ovšÍKiY Kvh©μg cÖwμqvaxb i‡q‡Q|
m‡PZbZvg~jK Kvh©μg
12.19 bZzb B‡j±ªwbK †c‡g›U wm‡÷gm& †hgbt A‡Uv‡g‡UW †PK cÖ‡mwms, B‡j±ªwbK dvÛ UªvÝdvi Ges †gvevBj dvBb¨vwÝqvj mvwf©‡mm m¤ú‡K© m‡PZbZv e„w×i Rb¨ evsjv‡`k e¨vsK wewfbœ c`‡ÿc MÖnY K‡i‡Q| mKj evwYwR¨K e¨vsK Ges miKvwi Awd‡mi Kg©KZ©v‡`i Rb¨ evsjv‡`k e¨vsK wewfbœ mfv I Kg©kvjvi Av‡qvRb K‡i‡Q| ZvQvov, evsjv‡`k e¨vsK wewfbœ ÷K‡nvìvi †hgbt †P¤^vi Ae Kgvm©, ÷K G·‡PÄ, evsjv‡`k wmwKDwiwU A¨vÛ G·‡PÄ Kwgkb, †m›Uªvj wW‡cvwRUwi evsjv‡`k wjwg‡UW, RvZxq ivR¯^ †evW© cÖf…wZ cÖwZôv‡b B‡j±ªwbK dvÛ UªvÝdvi †bUIqvK© RbwcÖq Kivi j‡ÿ¨ KvR K‡i hv‡”Q|
12.20 `ªæZ, wbivc` Ges Kg Li‡P Avw_©K †mev cÖ`v‡bi gva¨‡g B‡j±ªwbK †c‡g›U I †m‡Uj‡g›U wm‡÷gm& B‡Zvg‡a¨ m¤¢vebvgq n‡q D‡V‡Q| we‡kl K‡i KvMRnxb B‡j±ªwbK dvÛ UªvÝdvi †jb‡`b K‡c©v‡iU ewW, ÷K G·‡PÄ Gi m`m¨ I wkí mswkøó‡`i g‡a¨ RbwcÖq n‡q D‡V‡Q| †gvevBj dvBb¨vwÝqvj mvwf©‡mm, Gg-Kgvm©, B-Kgvm© †`‡ki Avw_©K †mev Lv‡Zi `„k¨cU e`‡j w`‡”Q| GbwcGmwe MÖvnK ch©v‡q †jb‡`b evov‡e Ges †K›`ªxqfv‡e †`‡ki B‡j±ªwbK †jb‡`‡bi `„k¨cU‡K AviI we¯Í…Z Ki‡e| GB B‡j±ªwbK c×wZ¸‡jv B‡Zvg‡a¨ cwiPvjbMZ `ÿZvi Dbœqb K‡i‡Q, †jb‡`‡bi msL¨v e„w× K‡i‡Q Ges Avw_©K evRv‡ii mKj †ÿ‡Î w¯’wZkxjZv I bgbxqZv G‡b‡Q| AviwUwRGm ev¯Íevq‡bi d‡j AvšÍR©vwZK gvbm¤úbœ GKwU Kvh©Ki I `ÿ RvZxq †c‡g›U I †m‡Uj‡g›U wm‡÷gm& Gi D™¢e n‡e|
110
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13.1 27 RyjvB 2014 Ges 25 Rvbyqvwi 2015 ZvwiL †_‡K Rbve gvneye Avn¤§` Ges Rbve †gvt bwReyi ingvb e¨vs‡Ki cwiPvjK cl©‡`i m`m¨ wn‡m‡e h_vμ‡g Rbve dR‡j Kwei Ges Rbve †Mvjvg †nvmvBb Gi ¯’jvwfwl³ nb|
A_©eQi 15-G cwiPvjK cl©‡`i †gvU 8wU mfv AbywôZ nq|
wbe©vnx KwgwU
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A_©eQi 15-G cwiPvjK cl©‡`i wbe©vnx KwgwUi †gvU 6wU mfv AbywôZ nq|
cl©‡`i wbix¶v KwgwU
13.3 Avw_©K cÖwZ‡e`b `vwLj cÖwμqv, Avw_©K cÖwZ‡e`‡bi Af¨šÍixY wbqš¿Y cÖwμqv I wbixÿv c×wZ BZ¨vw` wel‡q mvwe©K `vwqZ¡ cvj‡b cwiPvjbv cl© ‡K mn‡hvwMZvi gva¨‡g AvšÍR©vwZK gvb Abyhvqx K‡c©v‡iU Mf‡b©Ý‡K kw³kvjx Kivi cÖqv‡m 12 AvM÷ 2002 ZvwiL n‡Z 4 Rb A-wbe©vnx (non-executive) cwiPvjK KZ…©K cwiPvjK cl©‡`i wbixÿv KwgwU MVb Kiv nq| cwiPvjK cl©‡`i wbixÿv KwgwUi eZ©gvb MVb n‡jv t
* = 5 gvP© 2015 ZvwiL †_‡K Rbve †gvt bwReyi ingvb wbixÿv KwgwUi m`m¨ wn‡m‡e Rbve †gvt †Mvjvg †nvmvBb Gi ¯’jvwfwl³ nb|
wbixÿv KwgwU‡K wnmve Ges Avw_©K wi‡cvwU©s welqK wewfbœ Bmy¨ m¤ú‡K© mvwe©K mnvqZv cÖ`v‡bi j‡ÿ¨ 9 Ryb 2015 ZvwiL †_‡K wbixÿv KwgwUi A-wbe©vnx (non-executive) Dc‡`óv wn‡m‡e Rbve Avwgbyi ingvb †PŠayix-‡K GdwmG wn‡m‡e W. RvgvjDwÏb Avng`-Gi ¯’‡j wb‡qvM †`qv n‡q‡Q|
A_©eQi 15-G wbix¶v KwgwUi †gvU 8wU mfv AbywôZ nq|
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W. AvwZDi ingvbRbve †gvt Aveyj Kv‡mgAa¨vwcKv nvbœvbv †eMgW. Gg. Avmjvg AvjgRbve Avn‡g` Rvgvj
mfvcwZm`m¨m`m¨m`m¨mwPe
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A_©eQi 15-G Gw·wKDwUf g¨v‡bR‡g›U wUg Gi 5wU mfv AbywôZ nq|
wewfbœ c‡` bZzb wb‡qvM
13.5 A_©eQi 15-G †gvU 886 Rb Kg©KZ©v-Kg©Pvix‡K bZzb wb‡qvM cÖ`vb Kiv n‡q‡Q| A_©eQi 15-G wewfbœ c‡` bZzb wb‡qvMcÖvß Kg©KZ©v‡`i msL¨v wb¤œiƒct
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14.1 evsjv‡`k e¨vs‡Ki A_©eQi 15-Gi Avw_©K cwiPvjbvi djvdj AvšÍR©vwZK GKvDw›Us ÷¨vÛvW© †evW© (AvBGGmwe) KZ…©K Aby‡gvw`Z AvšÍR©vwZK dvBb¨vwÝqvj wi‡cvwU©s ÷¨vÛvW© (AvBGdAviGm) Abyhvqx cÖ¯‘Z Kiv n‡q‡Q| evsjv‡`k e¨vs‡Ki wnmv‡ei wbe©vnx mvims‡ÿc (GmwcwmweGj e¨ZxZ) wb¤œiƒc t
Avq
14.2 e¨vs‡Ki †gvU cwiPvjb Avq (ˆe‡`wkK gy`ªv cybg©~j¨vqbRwbZ jvf/ÿwZ e¨ZxZ) A_©eQi 14-Gi 37.26 wewjqb UvKvi Zzjbvq 9.19 wewjqb (24.67 kZvsk) n«vm †c‡q A_©eQi 15-G 28.07 wewjqb UvKvq uvwo‡q‡Q| A_©eQi 14-G 50.40 wewjqb UvKv Av‡qi wecix‡Z A_©eQi 15-G e¨vs‡Ki ˆe‡`wkK gy`ªv cybg©~j¨vqbRwbZ ÿwZi cwigvY `uvovq 8.55 wewjqb UvKv| Drm wfwËK Av‡qi weeiY mviYx 14.1-G †`Lv‡bv n‡q‡Q|
ˆe‡`wkK gy`ªvq Avw_©K m¤ú` n‡Z Avq
14.3 ˆe‡`wkK gy`ªvq wewb‡qv‡Mi Dci fvi Av‡ivwcZ my` nv‡ii mvgwMÖK e„w×i Kvi‡Y A_©eQi 15-G ˆe‡`wkK gy`ªvq Avw_©K m¤ú` †_‡K evsjv‡`k e¨vs‡Ki Avq A_©eQi 14-Gi 10.09 wewjqb UvKvi Zyjbvq 2.17 wewjqb (kZKiv 21.51 fvM) UvKv e„w× †c‡q 12.26 wewjqb UvKvq `uvwo‡q‡Q|
¯’vbxq gy`ªvq Avw_©K m¤ú` †_‡K Avq
14.4 A_©eQi 15-G ¯’vbxq gy`ªvi Avw_©K m¤ú` n‡Z evsjv‡`k e¨vs‡Ki Avq A_©eQi 14-Gi 27.17 wewjqb UvKvi Zzjbvq 11.36 wewjqb UvKv (41.81 kZvsk) n«vm †c‡q A_©eQi 15-G 15.81 wewjqb UvKvq `uvwo‡q‡Q| mvgwMÖKfv‡e miKv‡ii `ÿ ivR¯^
cwiPvjb Avq
K. ˆe‡`wkK gy`ªvi Avw_©K m¤ú` n‡Z Avq
my` Avq
Kwgkb I evÆv
L. Af¨šÍixY gy`ªvi Avw_©K m¤ú` n‡Z Avq
my` Avq
Kwgkb I evÆv
wWwf‡WÛ I Ab¨vb¨
Ab¨vb¨ Avq
†gvU (K+L)
M. ˆe‡`wkK gy`ªv cybg©~j¨vqbRwbZ
jvf/(ÿwZ)
DmyjK…Z jvf (ÿwZ)
ADmyjK…Z jvf (ÿwZ)
†gvU (K+L+M)
12.26
11.93
0.33
15.81
14.09
1.38
0.02
0.32
28.07
(36.62)
(0.10)
(36.52)
(8.55)
10.09
10.06
0.03
27.17
25.79
1.19
0.02
0.17
37.26
13.14
2.00
11.14
50.40
mviYx 14.1 Av‡qi Drm (wewjqb UvKv)
PvU© 14.1 e¨vs‡Ki Avq, e¨q I gybvdv
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Avq e¨q gybvdv
A_©eQi 15 A_©eQi 14
UxKv t eÜbxw¯’Z msL¨v n«vm/ÿwZ wb‡`©k Ki‡Q|
-50
0
50
100
A_©eQi 12 A_©eQi 13 A_©eQi 14 A_©eQi 15
116
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Avq I FY e¨e¯’vcbv Ges evsjv‡`k e¨vs‡Ki `ÿ Zvij¨ e¨e¯’vcbvi Kvi‡Y g~jZ G Lv‡Z †gvU Avq n«vm †c‡q‡Q|
ˆe‡`wkK gy`ªv cybg©~j¨vqb n‡Z AwR©Z Avq
14.5 A_©eQi 15-G ˆe‡`wkK gy`ªvi cybg©~j¨vq‡b e¨vsK 36.62 wewjqb UvKv ÿwZi m¤§yLxb n‡q‡Q| GUv g~jZ evsjv‡`wk UvKvi wecix‡Z e¨vs‡K Mw”QZ ˆe‡`wkK gy`ªv `ye©j nIqvi Kvi‡Y n‡q‡Q| G cybg©~j¨vqbRwbZ ÿwZ mwÂwZ wnmv‡e ¯’vbvšÍi Kiv n‡q‡Q|
e¨q
14.6 A_©eQi 15-G e¨vs‡Ki †gvU e¨q A_©eQi 14-G 16.88 wewjqb UvKvi Zzjbvq 0.80 wewjqb UvKv (4.74 kZvsk) e„w× †c‡q 17.68 wewjqb UvKvq `uvwo‡q‡Q| cÖkvmwbK e¨q e„w× cvIqvq g~jZ G e¨q e„w× †c‡q‡Q| e¨‡qi LvZmg~‡ni we¯ÍvwiZ weeiY mviYx 14.2 G †`Lv‡bv n‡jv|
Avw_©K e¨q
14.7 A_©eQi 15-G Avw_©K e¨q A_©eQi 14-G 5.95 wewjqb UvKvi Zzjbvq 0.51 wewjqb UvKv (kZKiv 8.57 fvM) n«vm †c‡q 5.44 wewjqb UvKvq `uvwo‡q‡Q| g~jZ ˆe‡`wkK I ¯’vbxq gy`ªvq Avw_©K `v‡qi Dci cÖ`Ë my` n«v‡mi Kvi‡Y G e¨q n«vm †c‡q‡Q|
Ab¨vb¨ e¨q
14.8 A_©eQi 15-Gi Ab¨vb¨ e¨q A_©eQi 14-Gi 10.93 wewjqb UvKvi Zzjbvq 1.31 wewjqb UvKv (11.99 kZvsk) e„w× †c‡q 12.24 wewjqb UvKvq `uvwo‡q‡Q| g~jZ cÖkvmwbK e¨q e„w×i d‡j G Lv‡Z †gvU e¨q e„w× †c‡q‡Q|
cwiPvjb gybvdv
14.9 A_©eQi 15-G e¨vs‡Ki cwiPvjb gybvdv (ˆe‡`wkK gy`ªvi cybg©~j¨vqbRwbZ jvf/ÿwZ e¨ZxZ) A_©eQi 14-Gi 20.38 wewjqb UvKvi Zzjbvq n«vm
†c‡q 10.39 wewjqb UvKvq `uvwo‡q‡Q| A_©eQi 15-G e¨vs‡Ki cwiPvjb gybvdv (ˆe‡`wkK gy`ªvi cybg©~j¨vqbRwbZ jvf/ÿwZ mn) A_©eQi 14-Gi 33.52 wewjqb UvKvi Zzjbvq n«vm †c‡q 26.23 wewjqb UvKvq `uvwo‡q‡Q|
Ab¨vb¨ mvgwMÖK Avq
14.10 Av‡jvP¨ eQ‡i e¨vsK ¯^Y©, †iŠc¨ Ges Avw_©K nvwZqvimg~‡ni cybg©~j¨vqb eve` 0.39 wewjqb UvKv ÿwZi m¤§yLxb n‡q‡Q| G cybg©~j¨vqbRwbZ ÿwZ mvgwMÖK Avq-e¨q weeiYx‡Z wnmvevqb Kiv n‡q‡Q Ges cieZx© mg‡q mwÂwZ wnmv‡e ¯’vbvšÍi Kiv n‡q‡Q| AvšÍR©vwZK evRv‡i ¯^Y© Ges †iŠ‡c¨i g~j¨ n«vm cvIqvi d‡j G ÿwZi m„wó n‡q‡Q|
gybvdv AveÈb
14.11 †gvU gybvdv 10.39 wewjqb UvKv n‡Z 0.55 wewjqb UvKv wewae× Znwej, 0.10 wewjqb UvKv evsjv‡`k e¨vsK `y‡h©vM e¨e¯’vcbv I mvgvwRK `vqe×Zv Znwej Ges 0.29 wewjqb UvKv m¤ú` bevqb I ¯’vbvšÍi Znwe‡j ¯’vbvšÍi Kiv n‡q‡Q| my`
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ˆe‡`wkK gy`ªvq Avw_©K `vq Gi Dci LiPmg~n
ˆe‡`wkK gy`ªvq Avw_©K `vq Gi Dci my`
ˆe‡`wkK gy`ªvq Avw_©K `vq Gi Dci
Kwgkb I Ab¨vb¨ LiP mg~n
¯’vbxq gy`ªvq Avw_©K `vq mg~‡ni Dci LiPmg~n
¯’vbxq gy`ªvq Avw_©K `vq mg~‡ni
Dci my` LiP
¯’vbxq gy`ªvq Avw_©K `vq mg~‡ni
Dci Kwgkb I Ab¨vb¨ LiP
L. Ab¨vb¨ LiP
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mvaviY Ges cÖkvmwbK LiP
†gvU e¨q (K+L)
5.44
0.42
0.16
0.26
5.02
1.87
3.15
12.24
3.82
8.42
17.68
5.95
0.24
0.19
0.05
5.71
2.86
2.85
10.93
3.89
7.04
16.88
mviYx 14.2 e¨q (wewjqb UvKv)
weeiY A_©eQi 15 A_©eQi 14
117
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msμvšÍ Znwe‡j 0.12 wewjqb UvKv ¯’vbvšÍ‡ii ci 9.57 wewjqb UvKv miKv‡ii wnmv‡e ¯’vbvšÍi Kiv n‡q‡Q hv A_©eQi 14-Gi Zzjbvq 6.06 wewjqb UvKv Kg|
e¨vswKs I Bmy¨ wefv‡Mi mgwš^Z w¯’wZcÎ
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14.12 ˆe‡`wkK gy`ªvi wiRvf© e„w×i Kvi‡Y A_©eQi 15-G ˆe‡`wkK gy`ªvq Avw_©K m¤ú` A_©eQi 14-Gi 1737.74 wewjqb UvKvi Zzjbvq 273.84 wewjqb UvKv (kZKiv 15.76 fvM) e„w× †c‡q 2011.58 wewjqb UvKvq `uvwo‡q‡Q|
14.13 miKvi‡K cÖ`Ë F‡Yi cwigvY Ges †i‡cv wewb‡qvM n«vm cvIqvi Kvi‡Y A_©eQi 15-G ¯’vbxq gy`ªvq Avw_©K m¤ú` A_©eQi 14-Gi 286.95 wewjqb UvKvi Zzjbvq 50.46 wewjqb UvKv (kZKiv 17.58 fvM) n«vm †c‡q 236.49 wewjqb UvKvq uvwo‡q‡Q|
14.14 A_©eQi 15-G e¨vs‡Ki A-Avw_©K m¤ú` A_©eQi 14-Gi 43.18 wewjqb UvKvi Zzjbvq 0.07 wewjqb UvKv n«vm †c‡q 43.11 wewjqb UvKvq `uvwo‡q‡Q|
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14.15 AvBGgGd Gi wbKU `vq n«vm Ges e¨vsK I Avw_©K cÖwZôvbmg~‡ni ˆe‡`wkK gy`ªv wK¬qvwis wnmv‡e Rgv n«v‡mi Kvi‡Y A_©eQi 15-G ˆe‡`wkK gy`ªvi Avw_©K `vq A_©eQi 14-Gi 338.23 wewjqb UvKvi Zzjbvq 21.59 wewjqb UvKv (kZKiv 6.38 fvM) n«vm †c‡q 316.64 wewjqb UvKvq `uvwo‡q‡Q|
gy`ªv cÖPviY e„w×, ¯^í †gqvw` avi Ges e¨vsK I Avw_©K cÖwZôvbmg~‡ni ¯’vbxq gy`ªvq evsjv‡`k e¨vs‡K Rgv e„w×i Kvi‡Y A_©eQi 15-G ¯’vbxq gy`ªvq Avw_©K `vq A_©eQi 14-Gi 1541.44 wewjqb UvKvi Zzjbvq 287.26 wewjqb UvKv (kZKiv 18.64 fvM) e„w× †c‡q 1828.70 wewjqb UvKvq `uvwo‡q‡Q|
cÖPviYK…Z †bvU
14.16 A_©eQi 15-G gy`ªv cÖPjb A_©eQi 14-Gi 847.17 wewjqb UvKvi Zzjbvq 126.46 wewjqb UvKv (kZKiv 14.93 fvM) e„w× †c‡q 973.63 wewjqb UvKv n‡q‡Q| gy`ªv cÖPviYK…Z `v‡qi (973.63 wewjqb UvKv) wecix‡Z ¯^Y© I †iŠc¨ 6.41 wewjqb UvKv, ˆe‡`wkK gy`ªv 870.00 wewjqb UvKv (evsjv‡`‡ki evwn‡i msiwÿZ), miKvwi wmwKDwiwUR 67.04 wewjqb UvKv, evsjv‡`wk gy`ªv 0.30 wewjqb UvKv Ges Ab¨vb¨ Af¨šÍixY m¤ú` 29.88 wewjqb UvKvi ms¯’vb ivLv n‡q‡Q|
BKz¨BwU (Equity)
14.17 e¨vs‡Ki †gvU BKz¨BwU A_©eQi 15-G c~e©eZ©x A_©eQ‡ii 188.20 wewjqb UvKvi Zzjbvq 42.36 wewjqb UvKv n«vm †c‡q 145.84 wewjqb UvKvq `uvwo‡q‡Q| e¨vs‡Ki BKz¨BwUi weeiY wb¤œiƒc t
K. e¨vs‡Ki cwi‡kvwaZ g~jab 0.03 wewjqb UvKvq AcwiewZ©Z i‡q‡Q|
L. A_©eQi 15-G msiwÿZ gybvdv A_©eQi 14-Gi 15.64 wewjqb UvKvi Zzjbvq 6.07 wewjqb UvKv n«vm †c‡q 9.57 wewjqb UvKv n‡q‡Q|
M. A_©eQi 15-G cybg©~j¨vqb mwÂwZ A_©eQi 14-Gi 101.12 wewjqb UvKvi Zzjbvq 36.92 wewjqb UvKv n«vm †c‡q 64.20 wewjqb UvKvq `uvwo‡q‡Q|
N. A_©eQi 15-G Kv‡iwÝ d¬vKPz‡qkb wiRvf© A_©eQi 14-Gi 26.76 wewjqb UvKvi Zzjbvq 0.10 wewjqb UvKv n«vm †c‡q 26.66 wewjqb UvKvq `uvwo‡q‡Q|
O. A_©eQi 15-G wewae× Znwejmg~‡ni w¯’wZ A_©eQi 14-Gi 15.02 wewjqb UvKvi Zzjbvq 0.55 wewjqb UvKv e„w× †c‡q 15.57 wewjqb UvKvq `uvwo‡q‡Q|
118
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P. A-wewae× Znwe‡ji w¯’wZ A_©eQi 14 n‡Z A_©eQi 15-G AcwiewZ©Z i‡q‡Q hvi cwigvY 14.22 wewjqb UvKv|
Q. Ab¨vb¨ Znwej 11.34 wewjqb UvKv n‡Z e„w× †c‡q 11.16 wewjqb UvKvq DbœxZ n‡q‡Q|
R. mvaviY mwÂwZ 4.25 wewjqb UvKvq AcwiewZ©Z i‡q‡Q|
ˆe‡`wkK gy`ªv wiRvf©
14.18 A_©eQi 15-G ˆe‡`wkK gy`ªvi wiRvf© A_©eQi 14-Gi 1669.67 wewjqb UvKvi Zzjbvq 277.30 wewjqb UvKv (kZKiv 16.60 fvM) e„w× †c‡q 1946.97 wewjqb UvKvq `uvwo‡q‡Q|
mgš^q
14.19 Av‡jvP¨ eQ‡i evsjv‡`k e¨vs‡Ki kZfvM gvwjKvbvaxb mvewmwWqvwi cÖwZôvb w` wmwKDwiwU wcÖw›Us Ki‡cv‡ikb (evsjv‡`k) wjt (GmwcwmweGj) Gi wnmve e¨vs‡Ki wnmv‡ei mv‡_ GKxf‚Z Kiv n‡q‡Q|
wbixÿK
14.20 A_©eQi 15-G evsjv‡`k e¨vs‡Ki Avw_©K weeiYxmg~n AvšÍR©vwZK wbixÿv gvb`Ð (AvB,Gm,G) Abyhvqx wbixÿv cÖwZôvb G. Kv‡mg A¨vÛ †Kv¤úvwb I ingvb ingvb nK, evsjv‡`k, PvU©vW© A¨vKvD›U¨v›Um& KZ…©K wbixwÿZ n‡q‡Q|
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cÖwZ‡e`b I Avw_©K weeiYx30 Ryb 2015 Zvwi‡L
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Avw_©K weeiYxi Dci cÖwZ‡e`b
Avgiv GZ`&m‡½ ms‡hvwRZ evsjv‡`k e¨vsK (e¨vsK) Ges Gi mvewmwWqvwii (MÖæc) 30 Ryb 2015 Zvwi‡Li c„_K I mgwš^Z w¯’wZcÎ (GK‡Î G‡K ÒAvw_©K weeiYxÓ bv‡g AwfwnZ Kiv n‡q‡Q) mswkøó mgvß eQ‡ii Avq-e¨q weeiYx, Ab¨vb¨ mvgwMÖK Avq weeiYx, BKz¨BwU cwieZ©‡bi weeiYx I bM` Znwej cÖev‡ni weeiYx Ges Zvrch©c~Y© wnmvebxwZ mg~‡ni UxKvmn mKj mgwš^Z Avw_©K weeiYx wbixÿv K‡iwQ|
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gZvgZ
Avgv‡`i g‡Z, evsjv‡`k e¨vs‡Ki 30 Ryb 2015 Zvwi‡L MÖæ‡ci mgwš^Z Avw_©K weeiYx I e¨vs‡Ki Avw_©K weeiYx mvwe©K we‡ePbvq MÖæc I e¨vs‡Ki Avw_©K djvdj ¯^”Qfv‡e Dc¯’vcb Kiv n‡q‡Q Ges cÖwZôv‡bi Avw_©K djvdj I bM` Znwe‡ji cÖevn AvšÍR©vwZK dvBb¨vwÝqvj wi‡cvwU©s ÷¨vÛvW© Abyhvqx Dc¯’vcb Kiv n‡q‡Q|
30 AvM÷ 2015
ingvb ingvb nK PvU©vW© A¨vKvD›U¨v›Um&, evsjv‡`k
G. Kv‡mg A¨vÛ †Kvs.PvU©vW© A¨vKvD›U¨v›Um&&, evsjv‡`k
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†gvU-ˆe‡`wkK gy`ªvq Avw_©K m¤ú` ¯’vbxq gy`ªvq Avw_©K m¤ú` bM` I bM` mgZyj¨ wifvm© †i‡cv miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM ¯’vbxq gy`ªvq e¨vsK,Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`
†gvU-¯’vbxq gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú` A-Avw_©K m¤ú` m¤ú`, ¯’vcbv Ges miÄvgvw` A¯úk©bxq m¤ú` Ab¨vb¨ A-Avw_©K m¤ú`
†gvU- A-Avw_©K m¤ú` †gvU m¤ú` `vqmg~n Ges BKz¨BwU `vqmg~n ˆe‡`wkK gy`ªvq Avw_©K `vq e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv AvBGgGd mswkøó `vq
†gvU-ˆe‡`wkK gy`ªvq Avw_©K `vq ¯’vbxq gy`ªvq Avw_©K `vq cÖPviYK…Z †bvU ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv ¯^í‡gqvw` †`bv ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq
†gvU-¯’vbxq gy`ªvq Avw_©K `vq †gvU `vq BKz¨BwU g~jab Av-ewÈZ gybvdv cybg©~j¨vqb mwÂwZ gy`ªvi wewbgq nvi ZviZg¨RwbZ mwÂwZ wewae× Znwej Awewae× Znwej Ab¨vb¨ mwÂwZ mvaviY mwÂwZ
†gvU-BKz¨BwU †gvU `vq Ges BKz¨BwU
†bvU mg~n
45
6.0178910
111213141516
171819
206.02
21222324
2532262728293031
2015 '000 UvKvq
21,015,860 1,684,393,258
131,148,185 6,414,663
34,181,082 127,742,085
6,680,465
2,011,575,598
14,483,987 -
112,289,5856,269,086
107,040,212 531,648
240,614,518
2,252,190,116
46,150,428 445,179
9,137,878
55,733,485 2,307,923,601
149,159,932 167,475,874
316,635,806
973,633,449 503,017,274 180,721,995 173,881,247
1,831,253,965 2,147,889,771
30,000 17,210,947 70,204,248 26,663,944 15,567,046 14,219,468 11,337,677 4,800,500
160,033,830 2,307,923,601
2014 '000 UvKvq
17,792,227 1,416,960,021
148,468,110 25,283,678 19,451,963
105,186,763 4,595,253
1,737,738,015
1,356,424 980,000
168,861,9438,385,472
109,704,694 1,145,214
290,433,747
2,028,171,762
46,440,822 678,242
6,407,845
53,526,909 2,081,698,671
149,897,535 188,331,836
338,229,371
847,170,600 443,782,003
57,664,690 193,316,773
1,541,934,066
1,880,163,437
30,000 22,525,327
107,116,613 26,760,236 15,017,046 14,222,452 11,163,059 4,700,500
201,535,233
2,081,698,671
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
122
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK30 Ryb 2015 Zvwi‡L c„_K Avw_©K Ae¯’vi weeiYx
e`iæj nK Lvbgnve¨e¯’vcK
A¨vKvD›Um& A¨vÛ ev‡RwUs wWcvU©‡g›U
bvRbxb myjZvbv†WcywU Mfb©i
W. AvwZDi ingvb Mfb©i
ms‡hvwRZ †bvU 1 n‡Z 55 GB Avw_©K weeiYxi Awe‡”Q`¨ Ask|
m¤ú`
ˆe‡`wkK gy`ªvq Avw_©K m¤ú` ˆe‡`wkK gy`ªªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd mswkøó m¤ú` ¯^Y© Ges †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsK-†K ˆe‡`wkK gy`ªvq cÖ`Ë FY Ab¨vb¨ ˆe‡`wkK m¤ú`
†gvU-ˆe‡`wkK gy`ªvq Avw_©K m¤ú` ¯’vbxq gy`ªvq Avw_©K m¤ú` bM` I bM` mgZyj¨ wifvm© †i‡cv miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM ¯’vbxq gy`ªvq e¨vsK,Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`
†gvU-¯’vbxq gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú` A-Avw_©K m¤ú` m¤ú`, ¯’vcbv Ges miÄvgvw` A¯úk©bxq m¤ú` Ab¨vb¨ A-Avw_©K m¤ú`
†gvU- A-Avw_©K m¤ú` †gvU m¤ú` `vqmg~n Ges BKz¨BwU `vqmg~n ˆe‡`wkK gy`ªvq Avw_©K `vq e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv AvBGgGd mswkøó `vq
†gvU-ˆe‡`wkK gy`ªvq Avw_©K `vq ¯’vbxq gy`ªvq Avw_©K `vq cÖPviYK…Z †bvU ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôvbmg~‡ni Rgv ¯^í‡gqvw` †`bv ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq
†gvU-¯’vbxq gy`ªvq Avw_©K `vq †gvU `vq BKz¨BwU g~jab Av-ewÈZ gybvdv cybg©~j¨vqb mwÂwZ gy`ªvi wewbgq nvi ZviZg¨RwbZ mwÂwZ wewae× Znwej Awewae× Znwej Ab¨vb¨ mwÂwZ mvaviY mwÂwZ
†gvU-BKz¨BwU †gvU `vq Ges BKz¨BwU
†bvU mg~n
45
6.0178910
11.011213
14.0115.0116.01
17.0118
19.01
206.02
212223
24.01
2532.0126.01
27282930
31.01
2015 '000 UvKvq
21,015,860 1,684,393,258
131,148,185 6,414,663
34,181,082 127,742,085
6,680,465
2,011,575,598
321,706 -
112,289,585 17,795,000
105,913,487 169,283
236,489,061
2,248,064,659
38,508,515 445,179
4,158,581
43,112,275 2,291,176,934
149,159,932 167,475,874
316,635,806
973,633,449 503,017,274 180,721,995 171,327,094
1,828,699,812
2,145,335,618
30,000 9,568,603
64,204,078 26,663,944 15,567,046 14,219,468 11,337,677 4,250,500
145,841,316
2,291,176,934
2014 '000 UvKvq
17,792,227 1,416,960,021
148,468,110 25,283,678 19,451,963
105,186,763 4,595,253
1,737,738,015
546,240 980,000
168,861,943 7,005,000
108,628,077 929,682
286,950,942
2,024,688,957
38,700,785 678,242
3,800,104
43,179,131 2,067,868,088
149,897,535 188,331,836
338,229,371
847,170,600 443,782,003
57,664,690 192,817,857
1,541,435,150
1,879,664,521
30,000 15,643,831
101,116,443 26,760,236 15,017,046 14,222,452 11,163,059 4,250,500
188,203,567 2,067,868,088
123
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK30 Ryb 2015 Zvwi‡L mgvß eQ‡ii mgwš^Z mvgwMÖK Av‡qi weeiYx
Avq †bvUmg~n 2015
'000 UvKvq2014
'000 UvKvq
ˆe‡`wkK gy`ªvi Avw_©K m¤ú` n‡Z Avq my` Avq Kwgkb Ges evÆv
†gvU-ˆe‡`wkK gy`ªvi Avw_©K m¤ú` n‡Z Avq ¯’vbxq gy`ªvi Avw_©K m¤ú` n‡Z Avq my` Avq Kwgkb Ges evÆv weμq- mvewmwWqvwi KZ…©K Ab¨ cÖwZôv‡bi wbKU wewea Avq
†gvU-¯’vbxq gy`ªvi Avw_©K m¤ú` n‡Z Avq †gvU Avq e¨qmg~n ˆe‡`wkK gy`ªvq Avw_©K `v‡qi e¨q my` e¨q Kwgkb Ges Ab¨vb¨ e¨q
†gvU e¨q-ˆe‡`wkK gy`ªvq Avw_©K `vq eve` ¯’vbxq gy`ªvi Avw_©K `v‡qi e¨q my` e¨q Kwgkb Ges Ab¨vb¨ e¨q
†gvU e¨q-¯’vbxq gy`ªvq Avw_©K `vq eve` Ab¨vb¨ e¨q mvaviY Ges cÖkvmwbK e¨q
†gvU-Ab¨vb¨ e¨q †gvU-e¨qmg~n ˆe‡`wkK gy`ªv cybg©~j¨vqbRwbZ Avq/(ÿwZ) - ADmyjK…Z ˆe‡`wkK gy`ªv cybg©~j¨vqbRwbZ Avq/(ÿwZ) - DmyjK…Z Avw_©K eQ‡ii gybvdv `dvmg~n- hv jvf-ÿwZ wnmv‡e cybt†kÖwYK…Z n‡Z cv‡i Ab¨vb¨ mgwš^Z Avq
¯^Y© cybg~©j¨vqb (ÿwZ)/Avq †iŠc¨ cybg~©j¨vqb ÿwZ m¤ú`, ¯’vcbv I hš¿cvwZi cybg©~j¨vqbRwbZ Avq Avw_©K nvwZqvimg~‡ni cybg©~j¨vqbRwbZ Avq/(ÿwZ)
†gvU-Ab¨vb¨ mgwš^Z (ÿwZ)/Avq †gvU-mgwš^Z (ÿwZ)/Avq mgMÖ Avw_©K eQ‡ii
3334
3637
35
3839
40
11,925,063 333,593
12,258,656
15,043,034 1,382,469 1,931,237
347,606
18,704,346 30,963,002
(163,563) (256,150)
(419,713)
(1,873,588) (3,153,009)
(5,026,597)
(14,267,927)
(14,267,927) (19,714,237) (36,521,334)
(96,292) (25,368,861)
(4,823,824) (74,807)
- 4,507,599
(391,032) (25,759,893)
10,059,966 34,023
10,093,989
26,119,080 1,191,498 2,017,634
184,838
29,513,050 39,607,039
(195,267) (47,784)
(243,051)
(2,862,738) (2,854,002)
(5,716,740)
(12,245,517)
(12,245,517) (18,205,308)
11,139,987
2,000,957 34,542,674
4,099,233 21,698
17,161,372 -
21,282,303 55,824,977
e`iæj nK Lvbgnve¨e¯’vcK
A¨vKvD›Um& A¨vÛ ev‡RwUs wWcvU©‡g›U
bvRbxb myjZvbv†WcywU Mfb©i
W. AvwZDi ingvb Mfb©i
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124
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK30 Ryb 2015 Zvwi‡L mgvß eQ‡ii mvgwMÖK Av‡qi c„_K weeiYx
Avq †bvUmg~n 2015
'000 UvKvq2014
'000 UvKvq
ˆe‡`wkK gy`ªvi Avw_©K m¤ú` n‡Z Avq my` Avq Kwgkb Ges evÆv
†gvU-ˆe‡`wkK gy`ªvi Avw_©K m¤ú` n‡Z Avq ¯’vbxq gy`ªvi Avw_©K m¤ú` n‡Z Avq my` Avq Kwgkb Ges evÆv jf¨vsk eve` Avq wewea Avq
†gvU-¯’vbxq gy`ªvi Avw_©K m¤ú` n‡Z Avq †gvU Avq e¨qmg~n ˆe‡`wkK gy`ªvq Avw_©K `v‡qi e¨q my` e¨q Kwgkb Ges Ab¨vb¨ e¨q
†gvU-ˆe‡`wkK gy`ªvq Avw_©K `vqRwbZ e¨q ¯’vbxq gy`ªvi Avw_©K `v‡qi e¨q my` e¨q Kwgkb Ges Ab¨vb¨ e¨q
†gvU-¯’vbxq gy`ªvi Avw_©K `v‡qi e¨q Ab¨vb¨ e¨q †bvU gy`ªYRwbZ e¨q mvaviY Ges cÖkvmwbK LiP
†gvU-Ab¨vb¨ e¨q †gvU e¨q ˆe‡`wkK gy`ªv cybg©~j¨vqbRwbZ (ÿwZ)/Avq- ADmyjK…Z ˆe‡`wkK gy`ªv cybg©~j¨vqbRwbZ (ÿwZ)/ Avq- DmyjK…Z
Avw_©K eQ‡ii gybvdv `dvmg~n- hv jvf-ÿwZ wnmv‡e cybt†kÖwYK…Z n‡Z cv‡i
¯^Y cybg~©j¨vqb (ÿwZ)/Avq †iŠc¨ cybg~©j¨vqb ÿwZ m¤ú`, ¯’vcbv I hš¿cvwZi cybg©~j¨vqbRwbZ Avq Avw_©K nvwZqvimg~‡ni cybg©~j¨vqbRwbZ Avq/(ÿwZ)
†gvU-Ab¨vb¨ mgwš^Z (ÿwZ)/Avq †gvU-mgwš^Z (ÿwZ)/Avq mgMÖ Avw_©K eQ‡ii
3334
36.0137
37.K
35
3839
40.01
11,925,063 333,593
12,258,656
14,084,803 1,382,469
25,000 323,836
15,816,108 28,074,764
(163,563) (256,150)
(419,713)
(1,873,588) (3,153,009)
(5,026,597)
(3,817,289) (8,423,247)
(12,240,536) (17,686,846) (36,521,334)
(96,292)
(26,229,708)
4,099,233 21,698
- 4,507,599
(391,032) (26,620,740)
10,059,966 34,023
10,093,989
25,789,022 1,191,498
25,000 165,889
27,171,408 37,265,398
(195,267) (47,784)
(243,051)
(2,862,738) (2,854,002)
(5,716,740)
(3,885,924) (7,042,372)
(10,928,297) (16,888,087)
11,139,987 2,000,957
33,518,254
4,099,233 21,698
12,311,838 -
16,432,769 49,951,023
e`iæj nK Lvbgnve¨e¯’vcK
A¨vKvD›Um& A¨vÛ ev‡RwUs wWcvU©‡g›U
bvRbxb myjZvbv†WcywU Mfb©i
W. AvwZDi ingvb Mfb©i
ms‡hvwRZ †bvU 1 n‡Z 56 GB Avw_©K weeiYxi Awe‡”Q`¨ Ask|
125
PZz`©k Aa¨vq
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK30 Ryb 2015 Zvwi‡L mgvß eQ‡ii BKz¨BwU cwieZ©‡bi mgwš^Z weeiYx
weeiY
g~jab¯^Y© I
†iŠc¨
ˆe‡`wkK gy`ªv wnmve
Avw_©K nvwZqvi mg~n
m¤úwË ¯’vcbv I hš¿cvwZ
gy`ªvi ZviZg¨RwbZ
mwÂwZ
wewae×Znwej
Awewae×Znwej my`
mwÂwZ
mvaviY mwÂwZ
AewÈZ gybvdv
BKz¨BwUm¤ú`
bevqb I cybt¯’vcb
mwÂwZ
cybg©~j¨vqb mwÂwZ Ab¨vb¨ mwÂwZ
AeÈb‡hvM¨ eÈb‡hvM¨
Õ000 UvKvq
1 RyjvB 2013 Zvwi‡L w¯’wZcÖ`Ë jf¨vsk 2012-2013miKvi †_‡K cÖvc¨ Gi wecix‡Z mgš^qmvaviY mwÂwZ wn‡m‡e ¯’vbvšÍiAb¨vb¨ Znwe‡j ¯’vbvšÍwiZeQ‡ii †gvU mgwš^Z Avqcybg©~j¨vq‡bi wecix‡Z mgš^qc~e©eZ©x eQ‡ii mgš^q
30 Ryb 2014 Zvwi‡L w¯’wZmiKvi †_‡K cÖvc¨ Gi wecix‡Z mgš^q1
cÖ`Ë jf¨vsk 2013-2014eQ‡ii †gvU mgwš^Z AvqZnwe‡ji e¨envi2
c~e©eZ©x eQ‡ii mgš^q3
Ab¨vb¨ Znwe‡j ¯’vbvšÍwiZ gybvdvmvaviY mwÂwZ wnmv‡e ¯’vbvšÍi30 Ryb 2015 Zvwi‡L w¯’wZ
30,000 -
- - - - -
30,000
- - -
30,000
11,429,710 -
- -
4,120,931 - -
15,550,641
- (4,898,630)
-
10,652,011
39,951,542 -
- -
11,139,987 - -
51,091,529
- (36,521,334)
-
14,570,195
- - - - - - - -
-
4,507,599
4,507,599
23,521,843 -
- (197,161)
17,161,372 (11,611)
-
40,474,443
- - -
40,474,443
24,759,279 -
- -
2,000,957 - -
26,760,236
- (96,292)
-
26,663,944
14,467,046 - - - -
550,000 - -
15,017,046 - - - - -
550,000 -
15,567,046
14,226,290 - - - -
50,000 (53,838)
-
14,222,452 - - -
(102,984) -
100,000 -
14,219,468
2,743,468 - - - -
279,000 12,018
-
3,034,486 - - - - -
291,500 -
3,325,986
8,320,428 - - - -
(191,855) - -
8,128,573 - - - - -
(116,883) -
8,011,690
4,600,500 - -
100,000 - - - -
4,700,500
- - - - - -
100,000 4,800,500
46,493,169 (36,302,026) (4,368,179)
(100,000) 147,161
20,714,584 (20,775)
(4,038,607)
22,525,327 (16,050)
(15,627,781) 11,248,766
- 5,303
(824,617) (100,000)
17,210,947
190,543,275 (36,302,026) (4,368,179)
- (50,000)
55,824,977 (74,206)
(4,038,607)
201,535,233 (16,050)
(15,627,781) (25,759,892)
(102,984) 5,303
- -
160,033,828
1. AewÈZ gybvdvi Aaxb 16,050 nvRvi UvKv miKv‡ii cÿ †_‡K e¨vsK KZ…©K cwi‡kvamg~‡ni wecix‡Z mgš^q wb‡`©k K‡i| 2. 102,984 nvRvi UvKv Znwe‡j eÈb wb‡`©k K‡i| 29 bs †bvU †`Lv †h‡Z cv‡i| 3. G cwigvYwU weMZ eQ‡i wnmvefz³ bv nIqv m¤ú`, ¯’vcbv Ges hš¿cvwZi weμq eve` Avq †_‡K AwR©Z|
126
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK30 Ryb 2015 Zvwi‡L mgvß eQ‡ii BKz¨BwU cwieZ©‡bi c„_K weeiYx
weeiY
g~jab¯^Y© I
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Õ000 UvKvq
1 RyjvB 2013 Zvwi‡L w¯’wZmiKvi †_‡K cÖvc¨ Gi wecix‡Z mgš^q
Ab¨vb¨ Znwe‡j ¯’vbvšÍi
cÖ`Ë jf¨vsk 2012-2013
eQ‡ii †gvU mgwš^Z Avq
cybg©~j¨vq‡bi wecix‡Z mgš^q
c~e©eZ©x eQ‡ii mgš^q
30 Ryb 2014 Zvwi‡L w¯’wZmiKvi †_‡K cÖvc¨ Gi wecix‡Z mgš^q1
cÖ`Ë jf¨vsk 2013-2014
eQ‡ii †gvU mgwš^Z Avq
Znwe‡ji e¨envi2
c~e©eZ©x eQ‡ii mgš^q3
Ab¨vb¨ Znwe‡j ¯’vbvšÍwiZ gybvdv
30 Ryb 2015 Zvwi‡L w¯’wZ
30,000 -
-
-
-
-
-
30,000 -
-
-
-
-
-
30,000
11,429,710 -
-
-
4,120,931
-
-
15,550,641 -
-
(4,898,630)
-
-
-
10,652,011
39,951,542 -
-
-
11,139,987
-
-
51,091,529 -
-
(36,521,334)
-
-
-
14,570,195
- -
-
-
-
-
-
- -
-
4,507,599
-
-
-
4,507,599
22,174,046 -
-
-
12,311,838
(11,611)
-
34,474,273 -
-
-
-
-
-
34,474,273
24,759,279 -
-
-
2,000,957
-
-
26,760,236 -
-
(96,292)
-
-
-
26,663,944
14,467,046 -
-
-
550,000
-
-
15,017,046 -
-
-
-
-
550,000
15,567,046
14,226,290 -
-
-
50,000
(53,838)
-
14,222,452 -
-
-
(102,984)
-
100,000
14,219,468
2,743,468 -
-
-
279,000
12,018
-
3,034,486 -
-
-
-
-
291,500
3,325,986
8,320,428 -
-
-
(191,855)
-
-
8,128,573 -
-
-
-
-
(116,883)
8,011,690
4,250,500 -
-
-
-
-
-
4,250,500 -
-
-
-
-
-
4,250,500
40,733,254 (4,368,179)
(50,000)
(36,302,026)
19,690,164
(20,775)
(4,038,607)
15,643,831 (16,050)
(15,627,781)
10,387,918
-
5,303
(824,617)
9,568,603
183,085,563 (4,368,179)
(50,000)
(36,302,026)
49,951,022
(74,206)
(4,038,607)
188,203,567 (16,050)
(15,627,781)
(26,620,740)
(102,984)
5,303
-
145,841,315
1. AewÈZ gybvdvi Aaxb 16,050 nvRvi UvKv miKv‡ii cÿ †_‡K e¨vsK KZ…©K cwi‡kvamg~‡ni wecix‡Z mgš^q wb‡`©k K‡i| 2. 102,984 nvRvi UvKv Znwe‡j eÈb wb‡`©k K‡i| 29 bs †bvU †`Lv †h‡Z cv‡i| 3. G cwigvYwU weMZ eQ‡i wnmvefz³ bv nIqv m¤ú`, ¯’vcbv Ges hš¿cvwZi weμq eve` Avq †_‡K AwR©Z|
127
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK30 Ryb 2015 Zvwi‡L mgvß eQ‡ii mgwš^Z bM` cÖevn weeiYx
2014 '000 UvKvq
2015 '000 UvKvq
cwiPvjb Kvh©μg n‡Z bM` cÖevn my` cÖvwß my` cÖ`vb MÖvnK †_‡K cÖvwß wd, Kwgkb I Ab¨vb¨ Avq Kwgkb I evÆv cÖ`vb Kg©Pvix I mieivnKvix‡`i cÖ`vb AwMÖg cÖ`vb Ab¨vb¨ m¤ú‡`i cwieZ©b gy`ªv cÖPviY Ab¨vb¨ `v‡qi cwieZ©b cwiPvjb Kvh©μg n‡Z wbU bM` cÖevn wewb‡qvM Kvh©μg n‡Z bM` cÖevn wewb‡qvM n‡Z Avq ˆe‡`wkK †U«Rvwi wej I e‡Û (e„w×)/n«vm Ab¨vb¨ wewb‡qvM (e„w×)/n«vm miKvwi wmwKDwiwUR-G wewb‡qvM (e„w×)/n«vm ˆe‡`wkK gy`ªvq wewb‡qvM (e„w×)/n«vm FYc‡Î wewb‡qvM (e„w×)/n«vm m¤úwË, ¯’vcbv I hš¿cvwZ μq AvBGgGd Gi mv‡_ `vqmg~‡ni wb®úwË wewb‡qvM Kvh©μ‡g wbU bM` ewntcÖevn Avw_©K Kvh©μg n‡Z bM` cÖevn miKvi‡K jf¨vsk cÖ`vb A_©vqb Kvh©μ‡g wbU bM` ewntcÖevn bM` I bM` mgZz‡j¨i wbU e„w× 1 RyjvB Zvwi‡L bM` I mgZzj-bM` 30 Ryb Zvwi‡L bM` I bM` mgZzj¨ bM` I bM` mgZz‡j¨ AšÍfz©³ ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM (wZb gvm ev Zvi Kg †gqvw`) avZe gy`ªv I KvMRx gy`ªvi w¯’wZ wifvm© †i‡cv e¨vsK I Avw_©K cÖwZôv‡bi ˆe‡`wkK gy`ªv Rgv ¯^í‡gqvw` Rgv e¨vsK I Avw_©K cÖwZôv‡bi Rgv †gvU
17,320,021 (2,037,150) 1,515,822 1,873,282
(3,456,192) (12,868,135)
3,445,120 (358,475)
126,462,849 (21,364,483) 110,532,659
6,764,070 (277,059,508)
(20,829,203) 56,569,155
(38,524,845) 1,958,132 (564,289)
(3,536,036) (275,222,523)
(15,627,781) (15,627,781)
(180,317,645) 332,605,866 152,288,221
21,015,860 949,687,576 14,483,987
- (149,159,932) (180,721,995) (503,017,274) 152,288,221
28,892,992 (3,058,005) 2,017,634 1,435,347
(2,901,786) (12,526,798)
8,070,164 282,926
100,787,983 93,439,392
216,439,849
5,800,645 (194,751,026) (41,700,679) 135,815,043
13,140,944 33,333
(899,806) 668,964
(81,892,582)
(36,302,026) (36,302,026) 98,245,240 234,360,626
332,605,866
501,735,055 479,878,616
1,356,424 980,000
(149,897,536) (57,664,690)
(443,782,003) 332,605,866
128
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK30 Ryb 2015 Zvwi‡L mgvß eQ‡ii c„_K bM` cÖevn weeiYx
2015 '000 UvKvq
2014 '000 UvKvq
cwiPvjb Kvh©μg n‡Z bM` cÖevn my` cÖvwß my` cÖ`vb wd, Kwgkb I Ab¨vb¨ Avq Kwgkb I evÆv cÖ`vb Kg©Pvix I mieivnKvix‡`i cÖ`vb AwMÖg cÖ`vb Ab¨vb¨ m¤ú‡`i cwieZ©b gy`ªv cÖPviY Ab¨vb¨ `v‡qi cwieZ©b cwiPvjb Kvh©μg n‡Z wbU bM` cÖevn wewb‡qvM Kvh©μg n‡Z bM` cÖevn jf¨vsk cÖvwß wewb‡qvM n‡Z Avq ˆe‡`wkK †U«Rvwi wej I e‡Û (e„w×)/n«vm Ab¨vb¨ wewb‡qvM (e„w×)/n«vm miKvwi wmwKDwiwUR-G wewb‡qvM (e„w×)/n«vm ˆe‡`wkK gy`ªvq wewb‡qvM (e„w×)/n«vm FYc‡Î wewb‡qvM (e„w×)/n«vm m¤úwË, ¯’vcbv I hš¿cvwZ μq AvBGgGd Gi mv‡_ `vqmg~‡ni wb®úwË Avw_©K Kvh©μg n‡Z bM` cÖevn miKvi‡K cÖ`vb Avw_©K Kvh©μg n‡Z wbU bM` cÖvwß bM` I bM` mgZz‡j¨i wbU e„w× 1 RyjvB Zvwi‡L bM` I mgZzj-bM` 30 Ryb Zvwi‡L bM` I mgZzj-bM` bM` I bM` mgZz‡j¨ AšÍfz©³ ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM (wZb gvm ev Zvi †gqvw`) avZe gy`ªv I KvMRx gy`ªvi w¯’wZ wifvm© †i‡cv e¨vsK I Avw_©K cÖwZôv‡bi ˆe‡`wkK gy`ªv Rgv ¯^í‡gqvw` Rgv e¨vsK I Avw_©K cÖwZôv‡bi Rgv †gvU
16,508,623 (2,037,150) 1,850,124
(3,456,192) (11,249,458)
3,495,228 (358,475)
126,462,849 (21,364,483) 109,851,066
25,000 6,764,070
(277,059,508) (20,829,203) 56,569,155
(38,524,845) (10,790,000)
(511,660) (3,536,036)
(287,893,026)
(15,627,781) (15,627,781)
(193,669,741) 331,795,682 138,125,940
21,015,860 949,687,576
321,706 -
(149,159,932) (180,721,995) (503,017,274) 138,125,940
28,640,420 (3,058,005)
1,416,398 (2,901,786) (9,802,448) 8,177,733
479,392 100,787,983
92,149,220 215,888,908
25,000 5,800,645
(194,751,026) (41,503,629) 135,815,043
13,140,944 35,000
(857,729) 668,964
(81,626,788)
(36,302,026) (36,302,026) 97,960,093
233,835,589 331,795,682
501,735,055 479,878,616
546,240 980,000
(149,897,536) (57,664,690)
(443,782,003) 331,795,682
129
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
1 cÖwZôvb cwiwPwZ
evsjv‡`k e¨vsK (Ôe¨vsKÕ), GKwU mswewae× ms¯’v, AvBb Øviv cÖwZwôZ evsjv‡`‡ki †K›`ªxq e¨vsK, hv evsjv‡`k e¨vsK AW©vi, 1972 (wc.I bs 127 , 1972) Gi Av‡`ke‡j 16 wW‡m¤^i, 1971 Zvwi‡L cÖwZwôZ| e¨vsKwUi cÖavb Kvh©vjq, gwZwSj, evwYwR¨K GjvKv, XvKvq Aew¯’Z|
wb¤œwjwLZ GjvKvq GB e¨vs‡Ki 10wU kvLv Awdm i‡q‡Qt
mviv †`‡k wbw`©ó msL¨K †UªRvwi m¤úwK©Z Kvh©vejx †mvbvjx e¨vsK wjt Gi mv‡_ evsjv‡`k e¨vs‡Ki G·K¬zwmf G‡RwÝ Pzw³ i‡q‡Q| DwjøwLZ Pzw³i AvIZvq 30 Ryb 2015 ZvwiL ch©šÍ †mvbvjx e¨vs‡Ki 589wU kvLv †UªRvwi msμvšÍ ˆ`bw›`b †jb‡`b K‡i‡Q|
evsjv‡`k e¨vsK AW©vi-1972 aviv- 7(G) aviv Abyhvqx evsjv‡`k e¨vs‡Ki D‡jøL‡hvM¨ Kvh©μg¸‡jv n‡”Q-
1. gy`ªvbxwZ cÖYqb I ev¯Íevqb
2. e‡`wkK gy`ªv evRvi wbqš¿Y msμvšÍ bxwZgvjv cÖYqb I ev¯Íevqb
3. miKvi‡K gy`ªvbxwZi mv‡_ ivR¯^ bxwZ I ˆe‡`wkK gy`ªv bxwZi mgš^q mvab I bxwZ mnvqK Kvh©μg MÖn‡Y A_©bxwZi Dci cÖfve msμvšÍ Dc‡`k cÖ`vb Ges GmKj D‡Ïk¨ AR©‡bi †ÿ‡Î hw` †Kvb AvBwb mnvqZvi cÖ‡qvRb nq Z‡e †m m¤ú‡K© miKvi‡K mnvqZv cÖ`vb;
4. evsjv‡`‡ki ˆe‡`wkK gy`ªv wiRvf© aviY I wbqš¿Y;
5. GKwU wbwðZ I `ÿ †c‡g›U wm‡÷g ˆZwi, wbqš¿Y Ges mPj ivLv, †mB mv‡_ e¨vsK †bvU Bmy¨ Kiv; Ges
6. e¨vsK I Avw_©K cÖwZôvbmg~n‡K wbqš¿Y I ZË¡veavb Kiv|
evsjv‡`k e¨vsK AW©vi 1972-aviv-4(2) Abyhvqx evsjv‡`k e¨vs‡Ki m¤ú~Y© g~jab evsjv‡`k miKvi‡K eÈb Kiv n‡q‡Q|
Ae¯’vb wVKvbv
gwZwSj AwdmPÆMÖvg AwdmivRkvnx Awdme¸ov Awdmiscyi AwdmLyjbv Awdmewikvj Awdmwm‡jU Awdmm`iNvU Awdmgqgbwmsn Awdm
gwZwSj wm/G, XvKv-1000bZzb/617, knx` †mvnivIqv`©x †ivW, PÆMÖvgbv‡Uvi †ivW, gvwS nvUv, †evqvwjqv, ivRkvnx-6000†nvwìs-1683, †_vb‡_vwbqv, e¸ov-5800evsjv‡`k e¨vsK iscyi Awdm, iscyi-54001, iZb †mb †ivW, Lyjbv-9100`xb eÜz †mb †ivW, ewikvj-8200wfAvBwc †ivW, ZvjZjv, wm‡jU-3100emyÜiv †ivW, m`iNvU, XvKv-100029, `yM©vevox †ivW, gqgbwmsn-2200
130
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
evsjv‡`k e¨vsK AW©vi, 1972 Gi Aby‡”Q` 4(2) Abyhvqx e¨vs‡Ki mgy`q g~jab evsjv‡`k miKvi‡K eÈb Kiv n‡q‡Q|
w` wmwKDwiwUR wcÖw›Us Ki‡cv‡ikb (evsjv‡`k) wjwg‡UW (GmwcwmweGj) bv‡g evsjv‡`k e¨vs‡Ki m¤ú~Y© gvwjKvbvaxb GKwU mvewmwWqvwi †Kv¤úvwb i‡q‡Q hv 22 GwcÖj 1992 mv‡j MwVZ nq Kv‡iwÝ †bvU gy`ªY I mieiv‡ni D‡Ï‡k¨| e¨vsK I Gi mvewmwWqvwi †Kv¤úvwb GK‡Î Òw` MÖæcÓ bv‡g cwiwPZ| †bvU bs 3.01(K) I 14.02|
2 Avw_©K cÖwZ‡e`bmg~n cÖ¯‘‡Zi wfwË
2.01 Kgcøv‡qÝ weeiYx
B›Uvib¨vkbvj GKvDw›Us ÷¨vÛvW© †evW© (AvBGGmwe) KZ…©K Bmy¨K…Z B›Uvib¨vkbvj dvBb¨vwÝqvj wi‡cvwU©s ÷¨vÛvW© (AvBGdAviGm) AbymiY K‡i e¨vs‡Ki Avw_©K weeiYx Ges Gi m¤ú~Y© gvwjKvbvaxb mvewmwWqvwii mgwš^Z weeiYxmg~n cÖ¯‘Z Kiv n‡q‡Q| AvBGdAviGm mg~‡ni Kgcøv‡qÝ ÷¨vUvm †`Lv‡bv n‡jv t
Kgcøv‡qÝ ÷¨vUvm
AvBGGm 1 :AvBGGm 2 :AvBGGm 7 :AvBGGm 8 :AvBGGm 10 :AvBGGm 11 :AvBGGm 12 :AvBGGm 16 :AvBGGm 17 :AvBGGm 18 :AvBGGm 19 :AvBGGm 20 :AvBGGm 21 :AvBGGm 23 :AvBGGm 24 :AvBGGm 26 :AvBGGm 27 :AvBGGm 28 :AvBGGm 32 :AvBGGm 33 :AvBGGm 34 :AvBGGm 36 :AvBGGm 37 :
Avw_©K cÖwZ‡e`bmg~‡ni Dc¯’vcbgRy` cY¨bM` cÖev‡ni weeiYxwnmveweÁvb bxwZgvjv, wnmveweÁv‡bi Abygvb I fzjmg~n cÖwZ‡e`b cieZ©x NUbvmg~nwbg©vY Pzw³AvqKim¤úwË, ¯’vcbv I miÄvgvw`wjRivR¯^Kg©Pvix fvZvmg~n miKvwi Aby`v‡bi wnmve I miKvwi mvnv‡h¨i wWm‡K¬vRvimg~nˆe‡`wkK gy`ªvi g~j¨ cwieZ©‡bi cÖfveav‡ii g~j¨cÖvmw½K c‡ÿi wWm‡K¬vRvimg~nwiUvqvi‡g›U †ewbwdU cø¨v‡bi A¨vKvDw›Us I wi‡cvwU©sc„_K Avw_©K weeiYxA¨v‡mvwm‡qU I R‡q›U †fbPvi-G wewb‡qvMdvBb¨vwÝqvj BÝUªy‡g›Um: Dc¯’vcb†kqvi cÖwZ AvqAšÍ©eZ©xKvjxb Avw_©K cÖwZ‡e`bm¤úwËi AePqAePq, m¤¢ve¨ `vq I m¤ú`mg~n
cwicvwjZcwicvwjZcwicvwjZcwicvwjZcwicvwjZcÖ‡hvR¨ bqcwicvwjZcwicvwjZcwicvwjZcwicvwjZcwicvwjZcwicvwjZcwicvwjZcwicvwjZcwicvwjZcÖ‡hvR¨ bqcwicvwjZcÖ‡hvR¨ bqcwicvwjZcÖ‡hvR¨ bqcÖ‡hvR¨ bqcwicvwjZcwicvwjZ
131
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
2.02 g~j¨vq‡bi wfwË
wb‡¤œv³ D‡jøL‡hvM¨ welqmg~n e¨wZ‡i‡K mgwš^Z I c„_K Avw_©K weeiYxmg~n HwZnvwmK e¨q wfwˇZ cÖ¯‘Z Kiv n‡q‡Q :
2.03 Kvh©Kix I Dc¯’vcb gy`ªv
Avw_©K weeiYx¸‡jv evsjv‡`wk UvKvq Dc¯’vcb Kiv n‡q‡Q hv e¨vs‡Ki cwiPvjb gy`ªv| Avw_©K weeiYx¸‡jv †cŠbtcywbK nvRvi UvKvi A‡¼ Dc¯’vcb Kiv n‡q‡Q|
g~j¨vq‡bi wfwË D‡jøL‡hvM¨ welqmg~n
cÖK…Z g~j¨
eZ©gvb g~j¨
¯^Y© Ges ¯^Y© msμvšÍ †jb‡`b n‡Z D™¢‚Z `vwe †iŠc¨ m¤úwË, ¯’vcbv I miÄvgvw`
BD.Gm Wjvi †UªRvwi wej, ˆe‡`wkK eÛ, miKvwi †UªRvwi wej I eÛ, evsjv‡`k nvDR wewìs dvBb¨vÝ K‡c©v‡ikb (weGBPweGdwm) -Gi wW‡eÂvi, AvBwmwe Bmjvwg e¨vsK wjt-Gi †kqvi|
wbw`©ó †ewbwdU Aewj‡Mkb n‡Z D™¢‚Z `vq
Compliance status
AvBGGm 38 :AvBGGm 39 :AvBGGm 40 :AvBGGm 41 :AvBGdAviGm 1 :AvBGdAviGm 2 :AvBGdAviGm 3 :AvBGdAviGm 4 :AvBGdAviGm 5 :AvBGdAviGm6 :AvBGdAviGm 7 :AvBGdAviGm 8 :AvBGdAviGm 10 :AvBGdAviGm 11 :AvBGdAviGm 12 :AvBGdAviGm 13 :
A¯úk©bxq m¤ú`mg~nAvw_©K nvwZqvimg~n: ¯^xK…wZ I wbY©qwewb‡qvM‡hvM¨ m¤úwËK…wlcÖ_gevi B›Uvib¨vkbvj dvBb¨vwÝqvj wi‡cvwU©s ÷¨vÛvW© MÖnY†kqvi wfwËK cwi‡kva mgwš^Z e¨emvqexgv Pzw³weμq I ¯’wMZ Kvh©μ‡gi Rb¨ APjwZ m¤ú`mg~nLwbR m¤ú` D‡Ëvjb I g~j¨vqbAvw_©K nvwZqvimg~n: wWm‡K¬vRvimg~ncwiPvjb †ÿÎmg~nmgwš^Z Avw_©K weeiYx†hŠ_ Pzw³Ab¨vb¨ cÖwZôv‡bi ¯^v_© mswkøó wWm‡K¬vRvimg~ncÖK…Z g~j¨ wbY©q
cwicvwjZcwicvwjZcÖ‡hvR¨ bqcÖ‡hvR¨ bqcÖ‡hvR¨ bqcÖ‡hvR¨ bqcwicvwjZcÖ‡hvR¨ bqcÖ‡hvR¨ bqcÖ‡hvR¨ bqcwicvwjZcÖ‡hvR¨ bqcwicvwjZcÖ‡hvR¨ bqcwicvwjZcwicvwjZ
132
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
2.04 Bmy¨ wefvM Ges e¨vswKs wefv‡Mi g‡a¨ m¤úK©
evsjv‡`k e¨vsK AW©vi, 1972 Abyhvqx e¨vs‡Ki Bmy¨ wefvM, hv e¨vswKs wefvM n‡Z c„_K Ges m¤ú~Y©fv‡e ¯^Zš¿ n‡e, KZ…©K e¨vsK †bvU Bmy¨i KvR cwiPvjbv Kiv n‡e| Bmy¨ wefvM we‡klfv‡e †bvU Bmy¨ Ges Bmy¨ mswkøó m¤ú`mg~n wb‡q KvR Ki‡e| e¨vswKs wefvM e¨vs‡Ki Ab¨vb¨ mKj Kvh©Kjvc wb‡q MwVZ| Av‡jvP¨ wefv‡M c„_KxKiY Kvh©μg Ges Bmy¨ I e¨vswKs wefv‡Mi (GK‡Î G‡K ÒAvw_©K Ae¯’vi weeiYxÓ ejv nq) weeiYxmg~n Af¨šÍixYfv‡e cÖ¯‘Z Kiv nq Ges A_© gš¿Yvj‡q cÖwZ mßvnv‡šÍ †cÖiY Kiv nq| e¨vs‡Ki mKj m¤ú` I `vq AšÍfz©³ Kivi Rb¨ mgwš^Z wfwˇZ evwl©K Avw_©K cÖwZ‡e`b cÖ¯‘Z Kiv nq| ermiv‡šÍ Bmy¨K…Z †bv‡Ui wecix‡Z iwÿZ m¤ú‡`i weeiYx †bvU 21 G wWm‡K¬vR Kiv n‡q‡Q|
2.05 AbywgZ wnmve I wePv‡h©i e¨envi
Avw_©K weeiYx¸‡jv ˆZwi‡Z e¨e¯’vcbvi wePvh©, AbywgZ wnmve I aviYvi wfwË mvgÄm¨c~Y©fv‡e wnmve bxwZ‡Z Ges Dc¯’vwcZ m¤ú`, `vq, Avq I e¨‡qi Ici cÖwZdwjZ n‡q‡Q| G mKj AbywgZ wnmve cÖK…Z djvdj n‡Z c„_K n‡Z cv‡i| AbywgZ wnmve I Zvi mv‡_ m¤úwK©Z aviYvmg~n Pjgvb aviYvi bxwZi wfwˇZ ch©v‡jvPbv Kiv nq| wnmveweÁv‡bi aviYvmg~‡ni cybtwba©viY PjwZ wnmve mg‡qi g‡a¨ Kvh©Ki Kiv n‡q _v‡K Ges fwel¨r mg‡qi Ici †Kvbiƒc cÖfve †dj‡jI Zv we‡ePbv Kiv nq|
F‡Yi ÿwZ, wmwKDwiwUi b¨vh¨ g~j¨, b¨vh¨ g~‡j¨i Abyμ‡gi g~j¨vqb, m¤úwË, ¯’vcbv I miÄvgvw`i b¨vh¨ g~j¨, AePq wbY©‡qi Rb¨ m¤úwËi Avw_©K Avqy®‹vj Ges Aemi cieZx© myweavw` †hgb †cbkb, MÖ¨vPzwqwU Ges QzwUi bM` weμq msμvšÍ mwÂwZ MYbv Ges HmKj aviYvmg~n hv mywbw`©ó †ewbwdU cwiKíbvi A¨vKPzqvwiqvj g~j¨vq‡b AbywgZ wnmve, wePvh© wnmve Ges aviYvmg~n e¨eüZ nq|
2.06 Zzjbvmg~n
AvBGGm 8-wnmvebxwZ, wnmve Abygvb Ges fy‡ji cwieZ©b bxwZ Abyhvqx †Kvb cÖwZôv‡bi weMZ mgqKv‡j msMwVZ fzj¸‡jvi Zzjbvg~jK Z_¨ ch©v‡jvPbvc~e©K cybtwbY©qc~e©K fzjmg~n ms‡kvab Kiv cÖ‡qvRb| 30 Ryb 2015 wfwËK Avw_©K weeiYx cÖ¯‘‡Zi mgq G ai‡bi †Kvb fzj D`&NvwUZ nqwb|
3 wnmv‡ei ¸iæZ¡c~Y© bxwZgvjv
MÖæcfy³ cÖwZôvbmg~‡ni Avw_©K weeiYx mswkøó bxwZ cÖ‡qv‡Mi †ÿ‡Î mvgÄm¨Zv bxwZ [†bvU bs 3.13 (O), (P) Ges 3.25 e¨ZxZ] Abym„Z n‡q‡Q| PjwZ eQ‡ii Dc¯’vc‡bi mv‡_ mvgÄm¨ weav‡bi Rb¨ wKQz Zzjbvg~jK wPÎ cybt‡kÖwYKiY Kiv n‡q‡Q|
3.01 mgwš^ZKi‡Yi wfwË
(K) mvewmwWqvwi
wmwKDwiwU wcÖw›Us Ki‡cv‡ikb (evsjv‡`k ) wjt (GmwcwmGj) evsjv‡`k e¨vs‡Ki kZfvM gvwjKvbvaxb GKwU mvewmwWqvwi cÖwZôvb| evsjv‡`k e¨vs‡K e¨vsK †bvU mieivn Kiv cÖwZôvbwUi `vwqZ¡| cÖwZôvbwU c~e©
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wba©vwiZ g~‡j¨ evsjv‡`k e¨vs‡K †bvU mieivn K‡i _v‡K| ZvQvovI GmwcwmGj Ab¨vb¨ cvwU©i wbKU wKQz wmwKDwiwUR wewμ K‡i _v‡K|
(L) mgwš^ZKi‡Yi †ÿ‡Î cwinvh© †jb‡`b¸‡jv
mgwš^Z Avw_©K weeiYx cÖ¯‘‡Zi †ÿ‡Î AvšÍtMÖæc w¯’wZ I †jb‡`b¸‡jv Ges AvšÍtMÖæc †jb‡`b n‡Z D™¢~Z AbycvwR©Z Avq Ges e¨qmg~n cwinvi Kiv n‡q‡Q| wewb‡qvMKvix‡`i Dci MÖæ‡ci ¯^v‡_©i AvswkK wewb‡qv‡Mi wec‡ÿ BKz¨BwU wnmve wewb‡qvMKvix‡`i †jb‡`b n‡Z A-DmyjK…Z jvf cwinvi Kiv n‡q‡Q| A-DmyjK…Z jv‡fi g‡Zv A-DmyjK…Z ÿwZI GKBfv‡e ZZUzKz cwinvi Kiv n‡q‡Q hvi ÿwZi †Kvb mvÿ¨ †bB|
3.02 ˆe‡`wkK gy`ªvi †jb‡`b
†jb‡`‡bi Zvwi‡L weivRgvb ˆe‡`wkK gy`ªvi wewbgq nvi cÖ‡qvM K‡i ˆe‡`wkK gy`ªvi †jb‡`b‡K UvKvq cÖKvk Kiv n‡q‡Q ÒAvBGGm 21t ˆe‡`wkK wewbgq nvi cwieZ©‡bi cÖfveÓ †g‡b| w¯’wZcÎ cÖ¯‘‡Zi Zvwi‡L ˆe‡`wkK gy`ªvq iwÿZ m¤ú` I `vq¸‡jv D³ Zvwi‡Li wewbgq nvi cÖ‡qv‡Mi gva¨‡g UvKvq iƒcvšÍi Kiv n‡q‡Q| ˆe‡`wkK gy`ªvi wewbgqRwbZ ZviZg¨ jvf/ÿwZ weeiYx‡Z cÖ`wk©Z n‡q‡Q| ˆe‡`wkK gy`ªvq iwÿZ Ab¨vb¨ A-Avw_©K m¤ú` Ges `vq evRvi g~‡j¨ g~j¨vwqZ n‡q‡Q Ges H Zvwi‡Li wewbgq nvi cÖ‡qvM K‡i UvKvq iƒcvšÍi Kiv n‡q‡Q|
w¯’wZcÎ cÖ¯‘‡Zi Zvwi‡L UvKvi wecix‡Z cÖavb ˆe‡`wkK gy`ªvi wewbgq nvi hv Avw_©K weeiYx cÖ¯‘‡Z e¨envi Kiv n‡q‡Q Zv Zz‡j aiv n‡jv t
3.03 ˆe‡`wkK gy`ªvq †jb‡`bRwbZ jvf/ÿwZ
ˆe‡`wkK gy`ªvq †jb‡`bRwbZ DmyjK…Z jvf/ÿwZ Mo e¨q c×wZ e¨envi K‡i wbY©q Kiv nq| cÖwZ gv‡mi †k‡l cÖwZwU gy`ªvi Mo e¨‡qi w¯’wZi ga¨Kvi cv_©K¨ (K) hLb gy`ªv cwRk‡bi wbU e„w× nq ZLb Mo g~‡j¨i
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e„w× n‡jv gv‡mi Mo nvi Ges e„w× cvIqv gy`ªvi g~‡j¨i ¸wYZ‡Ki mgvb| Ges (L) hLb gy`ªv cwRk‡bi wbU n«vm nq ZLb cÖviw¤¢K Mo nv‡ii mv‡_ n«vmK…Z g~‡j¨i Zzjbv K‡i Mo g~‡j¨i n«vm wbY©q Kiv nq| mgvcbx wewbgq nv‡ii AwfwnZ g~j¨ Ges gy`ªvi Mo g~‡j¨i cv_©K¨ wbY©xZ n‡q‡Q| G cv_©K¨‡K A-DmyjK…Z cybg~©j¨vqbRwbZ mwÂwZ wn‡m‡e we‡ePbv Kiv n‡q _v‡K|
ADmyjK…Z cybg~©j¨vqbRwbZ mwÂwZ wnmve Ges †jRvi e¨v‡j‡Ýi cv_©K¨‡K Av‡jvP¨ mg‡qi DmyjK…Z cybg©~j¨vqbRwbZ jvf/ÿwZ ejv nq Ges GwU D³ mg‡qi jvf/ÿwZ weeiYx‡Z cÖ`wk©Z nq| cieZ©x mg‡q G jvf/ÿwZ gy`ªvi wewbgq nvi ZviZg¨RwbZ mwÂwZ‡Z ¯’vbvšÍi Kiv nq|
3.04 Avw_©K m¤ú` I `vq
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Avw_©K `vq ej‡Z e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY, AvBGgGd-Gi wbKU `vq, gy`ªv cÖPviY, ¯^í †gqvw` avi Ges Ab¨vb¨ ¯’vbxq gy`ªvq Avw_©K `vq|
(K) ¯^xK…wZ Ges cÖv_wgK g~j¨vqb
Avw_©K weeiYx‡Z FY Ges AwMÖg †h Zvwi‡L D™¢‚Z nq †m Zvwi‡L Avw_©K weeiYx‡Z AšÍf©y³ Kiv nq| m¤ú` μq A_ev weμ‡qi †ÿ‡Î ¯^xK…wZ cÖ`vb I AšÍf©y³Ki‡Yi mvaviY wbqg n‡jv †h Zvwi‡L MÖæc KZ…©K m¤ú` MÖnY Kiv n‡e A_ev μqg~j¨ cwi‡kva Kiv n‡e| Ab¨vb¨ Avw_©K m¤ú` I `vq cÖv_wgKfv‡e ZLbB ¯^xK…wZ cÖ`vb Kiv nq MÖæc nvwZqvimg~‡ni wewbgq Pzw³i GKwU cÿ wn‡m‡e KvR K‡i| Avw_©K m¤ú` I `vqmg~n cÖv_wgKfv‡e evRvi g~‡j¨ g~j¨vwqZ n‡q _v‡K|
(L) wnmv‡e AšÍfz©w³KiY I cÖv_wgK cwigvcb
cÖv_wgKfv‡e AšÍf©yw³ nIqvi ci m¤ú` I `vq cwigv‡ci Rb¨ AvBGGm-39 Avw_©K nvwZqvimg~n t ¯^xK…wZ I g~j¨vqb Abyhvqx wb¤œiƒcfv‡e †kÖwYKiY Kiv n‡q‡Q t
(1) jvf-ÿwZi gva¨‡g cÖK…Z g~‡j¨i Avw_©K m¤ú`/`vq|
jvf-ÿwZi gva¨‡g cÖK…Z g~‡j¨i Avw_©K m¤ú` I Avw_©K `vqmg~n †mB Avw_©K m¤ú` I Avw_©K `vq hv wb‡¤œi †h †KvbwU t
- †UªwWs Gi Rb¨ aviYK…Z m¤ú` wn‡m‡e †kÖwYK…Z, A_ev
- jvf-ÿwZ wnmv‡ei gva¨‡g cÖK…Z g~‡j¨ cÖv_wgKfv‡e AšÍfz©w³KiY wn‡m‡e †kÖwYK…Z|
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Avw_©K m¤ú` I Avw_©K `vqmg~n‡K †UªwWs Gi Rb¨ aviYK…Z wn‡m‡e MY¨ Kiv nq hw`t
- ¯^í mg‡qi Rb¨ μq-weμ‡qi D‡Ï‡k¨ m¤ú`mg~n AR©b Kiv nq; - ¯^í †gqv‡` gybvdv AR©‡bi D‡Ï‡k¨ cÖv_wgKfv‡e wewb‡qvM ZvwjKvi Ask wn‡m‡e wnmvevqb Kiv, A_ev - †Wwi‡fwUf (&H mg¯Í †Wwi‡fwUf e¨ZxZ hv Avw_©K wbðqZvi Pzw³ A_ev Kvh©Kix †nwRs nvwZqvi)|
wb‡¤œv³ Ae¯’vq Avw_©K m¤ú` I `vqmg~n‡K cÖK…Z g~‡j¨ jvf ev ÿwZi gva¨‡g †`Lv‡bv nq t
- G Av‡ivcY Zvrch©c~Y©fv‡e wn‡m‡ei Mowgj n«vm K‡i A_ev ~i K‡i hv Ab¨fv‡e D™¢e n‡Z cv‡i| - m¤ú` I `vqmg~‡ni g‡a¨ Giƒc †Wwi‡fwUf i‡q‡Q hv Zvrch©c~Y©fv‡e bM` cÖevn‡K cwieZ©b K‡i|
(2) †gqv`c~wZ© ch©šÍ aviYK…Z wewb‡qvM t
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- hv jvf-ÿwZi gva¨‡g cÖK…Z g~‡j¨ wbiƒcY ev cÖv_wgK wn‡m‡e AšÍfz©³KiY wQj, - hv weμq‡hvM¨, - hv FY I cÖvc¨mg~n|
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- weμq A_ev cybt†kÖwYKi‡Yi c‡i MÖæc D‡jøL‡hvM¨ cwigv‡Y me m¤úwËi g~j Avmj UvKv msMÖn K‡i‡Q|
- weμq A_ev cybt†kÖwYKiY mswkøó cybt cybt msMwVZ nq bv Ggb wew”Qbœ NUbv MÖæ‡ci wbqš¿‡Yi evB‡i hv hyw³m½Zfv‡e cÖZ¨vkv Kiv †hZ bv|
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(3) FY Ges cÖvc¨
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- cÖv_wgK AšÍfz©w³Ki‡Y †h¸‡jv weμq‡hvM¨ e‡j we‡ePbv Kiv n‡q‡Q; A_ev
- F‡Yi g~j¨gvb n«vm e¨ZxZ MÖæc †h mg¯Í †ÿ‡Î Zvi cÖv_wgK wewb‡qvM cwic~Y©fv‡e Av`vq Ki‡Z cvi‡e bv Ges †h¸‡jv weμq‡hvM¨ wnmv‡e wPwýZ n‡q‡Q|
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(4) weμq‡hvM¨ Avw_©K m¤ú`
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GmwcwmGj Gi †kqvi c„_K Avw_©K weeiYx‡Z μqg~‡j¨ †`Lv‡bv n‡q‡Q AvBGGm 27 Abyhvqx|
(5) Ae‡jvcbK…Z e¨q we‡ePbvq Avw_©K `vq
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(M) Ae‡jvcbK…Z e¨q cwigvc c×wZ
Avw_©K m¤ú` I `v‡qi Ae‡jvcbK…Z e¨q wbY©‡qi †ÿ‡Î Avw_©K m¤ú` I `v‡qi cÖv_wgK g~j¨vqb n‡Z cwi‡kvwaZ Avmj ev` †`qvi ci Kvh©Kix my` cÖ‡qvM K‡i wba©vwiZ cyÄxf‚Z Ae‡jvcb n‡Z D™¢‚Z cÖv_wgK g~j¨vqb I †gqv`c~wZ©i g~‡j¨i cv_©K¨ †hvM ev we‡qvM K‡i e¨enviRwbZ ÿwZ eve` hw` †Kvb ÿwZ _v‡K Zv ev` †`Iqv nq|
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Kvh©Kix my` wbY©q c×wZ n‡jv GKwU Avw_©K m¤ú` A_ev `v‡qi (A_ev Avw_©K m¤ú`/`vqmg~‡ni) Ae‡jvcbK…Z e¨q wbY©q Ges my` Avq I my` e¨q‡K mswkøó mgqKv‡j eÈb Kiv‡K †evSvq| Kvh©Kix my` nvi n‡jv †mB nvi hv fwel¨r AbywgZ bM` cÖ`vb A_ev MÖnY‡K Avw_©K nvwZqvimg~‡ni m¤¢ve¨ RxebKv‡ji g‡a¨ eÈb K‡i cÖvß nq| hLb Kvh©Kix my` nvi wbY©q Kiv nq ZLb MÖæc Avw_©K nvwZqvimg~‡ni mKj ai‡bi Pzw³i †gqv` Ges Abygvbmg~‡ni g‡a¨ †Kvb ms‡kvabx _vK‡j Zv jvf/ÿwZ wn‡m‡e ¯^xK…wZ cvq| D³ g~j¨vqb c×wZi g‡a¨ cÖ`Ë/cÖvß A_© i‡q‡Q hv Avw_©K nvwZqvimg~‡ni Kvh©Kix my` nvi, †jb‡`b LiP Ges Ab¨vb¨ AwfwnZ Ges AewnZ g~‡j¨i AZ¨vek¨Kxq Ask|
(N) cÖK…Z g~j¨ wbiƒcY bxwZgvjv
IqvwKenvj Ges B”QzK c‡ÿi g‡a¨ wbw`©ó AvBwb KvVv‡gvi AvIZvq cwigvcb Zvwi‡L †h g~‡j¨ †Kvb m¤ú` n¯ÍvšÍi ev `vq wb®úbœ Kiv nq †m g~j¨‡K cÖK…Z ev evRvi g~j¨ e‡j| GKwU `v‡qi cÖK…Z g~j¨ D³ `v‡qi A`ÿZvRwbZ SzuwKi cÖwZdjb|
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hw` `iK…Z g~‡j¨i Rb¨ †Kvb Kvh©Kix evRvi bv _v‡K Zvn‡j MÖæc g~j¨vqb c×wZ e¨envi K‡i cÖK…Z g~j¨ wba©viY K‡i hv cÖvmw½K g~j¨vqb‡hvM¨ BbcyUmg~‡ni e¨envi e„w× K‡i Ges AcÖvmw½K BbcyUmg~‡ni e¨envi n«vm K‡i| wbe©vPbK…Z g~j¨vqb †KŠkj evRv‡i AskMÖnYKvixMY †jb‡`‡bi g~j¨ wba©vi‡Y hZ¸‡jv m~PK e¨eüZ n‡Z cv‡i Zvi me¸‡jvB we‡ePbv K‡i|
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cÖK…Z g~‡j¨ wba©vwiZ †Kvb m¤ú` A_ev `v‡qi hw` GKwU `iK…Z g~j¨ Ges GKwU wRÁvm¨ g~j¨ _v‡K Z‡e MÖæc m¤ú‡`i g~j¨vq‡bi †ÿ‡Î js cwRk‡b `iK…Z g~j¨ e¨envi K‡i Ges `v‡qi g~j¨vq‡bi †ÿ‡Î kU© cwRk‡b wRÁvm¨ g~j¨ e¨envi K‡i|
Avw_©K m¤ú` Ges Avw_©K `v‡qi †cvU©‡dvwjI hv evRvi SuzwK I F‡Yi SzuwKi g‡a¨ i‡q‡Q hv MÖæc e¨e¯’vcbv K‡i _v‡K †m‡ÿ‡Î MÖæc GKwU wbw`©ó SuzwKi Rb¨ wbU js cwRkb weμq K‡i (&A_ev μ‡qi gva¨‡g wbU kU© cwRkb ¯’vbvšÍi K‡i)| H mKj †cvU©‡dvwjI †kÖwYi mgš^qmg~n GKK m¤ú` I `vqmg~‡ni g‡a¨ eÈb K‡i †`qv nq †cvU©‡dvwjI‡Z Zv‡`i mswkøó SuzwK mgš^‡qi Dci wfwË K‡i|
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evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
wi‡cvwU©s mg‡qi me©‡kl w`‡b cÖK…Z g~j¨ av‡ci †Kvb ch©v‡q †Kvb ¯’vbvšÍi msNwUZ n‡j MÖæc †mwU‡K ¯^xK…wZ cÖ`vb K‡i|
(O) cwigvc cieZx© jvf-ÿwZ
weμq‡hvM¨ m¤ú‡`i cÖK…Z g~‡j¨i cwieZ©bRwbZ jvf-ÿwZ Ab¨vb¨ mgwš^Z Avq wn‡m‡e AšÍfz©³ Kiv n‡q‡Q| hLb †Kvb Avw_©K m¤ú` weμq, msMÖn A_ev Ab¨ †Kvbfv‡e wb®úwËK…Z nq, Zv n‡Z D™¢ ~Z cyÄxf‚Z jvf/ÿwZ hv BwZc~‡e© Ab¨vb¨ mgwš^Z Av‡q wnmvevwqZ n‡qwQj, Zv jvf-ÿwZ weeiYx‡Z ¯’vbvšÍi Kiv nq| jvf-ÿwZi gva¨‡g wbiƒwcZ cÖK…Z g~‡j¨i Avw_©K m¤ú` I `v‡qi g~‡j¨i cwieZ©bRwbZ jvf/ÿwZ cieZ©x‡Z jvf-ÿwZ weeiYx‡Z AšÍfz©³ Kiv n‡q‡Q| FY I cÖvc¨mg~n Ges †gqv`c~wZ© ch©šÍ aviYK…Z Avw_©K m¤ú`mg~n μgn«vmgvb c×wZ‡Z jvf-ÿwZi gva¨‡g wnmve weeiYx‡Z AšÍfz©³ Kiv n‡q‡Q|
(P) wnmv‡e A-AšÍfz©³KiY
MÖæcwU GKwU Avw_©K m¤ú`‡K A¯^xK…wZ †`q hLb Avw_©K m¤ú` n‡Z bM` cÖev‡ni Pzw³wfwËK AwaKvi †gqv‡`vËxY© nq A_ev GwU GKwU †jb‡`‡bi Pzw³ wfwËK bM` cÖevn MÖn‡Yi AwaKvi ¯’vbvšÍi K‡i hvi d‡j cieZ©x‡Z Avw_©K m¤ú`mg~‡ni gvwjKvbvi SuzwK I cyi¯‹vi ¯’vbvšÍwiZ nq A_ev cieZ©x‡Z MÖæcwU gvwjKvbvi mKj SuzwK I cyi¯‹vi ¯’vbvšÍiI K‡ibv, Avw_©K m¤ú`mg~‡ni wbqš¿Y a‡iI iv‡L bv| Giƒc ¯’vbvšÍwiZ Avw_©K m¤ú`mg~n hv A¯^xK…wZi †hvM¨ hv MÖæc KZ…©K cÖ¯‘ZK…Z ev a‡i ivLv nq GKwU wfbœ m¤ú` ev `vq wn‡m‡e| Avw_©K m¤ú‡`i A¯^xK…wZi d‡j H m¤ú‡`i evwnZ g~j¨ (A_ev ¯’vbvšÍwiZ m¤ú‡`i g‡a¨ eÈbK…Z evwnZ g~j¨) Ges (A) M„nxZ Aby`vb (†Kvb bZzb m¤ú` AR©b ev` bZzb `vq Ae‡jvcbmn) Ges (L) †Kvb cÖKvi μg‡hvwRZ jvf ev ÿwZ (cumulative gain or loss) hv Ab¨vb¨ mgwš^Z Avq weeiYx‡Z (other comprehensive income) ¯^xK…wZ †`qv n‡qwQj, Zv jvf ev ÿwZ wnmv‡eI (statement of profit or loss) ¯^xK…wZ †`qv n‡q‡Q|
MÖæc Avw_©K Ae¯’vi weeiYx‡Z ¯^xK…Z m¤ú‡`i ¯’vbvšÍ‡ii †ÿ‡Î GKwU †jb‡`b m¤úbœ K‡i _v‡K| wKš‘ cieZ©x‡Z ¯’vbvšÍwiZ m¤ú‡`i mKj ev AvswkK SuzwK I cyi¯‹vi a‡i iv‡L| hLb mKj A_ev cieZ©x‡Z mKj Sz uwK I cyi¯‹vi a‡i ivLv nq ZLb ¯’vbvšÍwiZ m¤ú`mg~n‡K A¯^xK…wZ †`qv nqbv| mKj A_ev cieZ©x‡Z mKj SzuwK I cyi¯‹vimn m¤ú` ¯’vbvšÍ‡i AšÍfz©³, †hgb, ¯^Y© †jb‡`bRwbZ `vwe Ges cybtμq †jb‡`bmg~n| MÖæcwU GKwU Avw_©K `vq‡K A¯^xK…wZ cÖ`vb K‡i hLb Gi Pzw³wfwËK `vqmg~n Aegy³ ev cÖZ¨vnvi ev †gqv`c~wZ© nq|
weμq‡hvM¨ Avw_©K m¤ú`mg~n Ges †gqv`c~wZ© ch©šÍ a‡i ivLv n‡e Ggb Avw_©K m¤ú`mg~n hLb weμ‡qi gva¨‡g A¯^xK…wZ †`qv nq Ges †μZvi wbKU n‡Z cÖvc¨mg~n ¯^xK…wZ †`qv nq hLb m¤ú`wU †μZvi wbKU n¯ÍvšÍi Kiv nq|
†gqv`c~wZ© ch©šÍ a‡i ivLv n‡e Ggb Avw_©K nvwZqvi, FY I cÖvc¨mg~n‡K A¯^xK…wZ †`qv nq H w`b †h w`b †m¸‡jvi g~j¨ m¤ú~Y© cwi‡kva Kiv nq A_ev m¤ú~Y© Abv`vq‡hvM¨ e‡j we‡ewPZ nq|
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(Q) Òe¨enviRwbZ ÿwZÓ wPwýZKiY I cwigvcKiY
†h mKj Avw_©K m¤ú` cybg~©j¨vqb Kiv nq bv jvf ev ÿwZi gva¨‡g †m¸‡jv w¯’wZc‡Îi Zvwi‡L ch©v‡jvPbv K‡i †`Lv nq †h Ôe¨enviRwbZ ÿwZÕi mywbw`©ó cÖgvY Av‡Q wKbv| Avw_©K m¤ú`¸‡jv Ôe¨enviRwbZ ÿwZÕ n‡q‡Q ZLbB ejv hv‡e hLb mywbw`©ó cÖgvY n‡Z †`Lv hv‡e †h GKwU ÿwZi NUbv fwel¨r bM` cÖevn¸‡jvi Dci cÖfve †d‡j Ges hv wbwðZfv‡e wbY©q Kiv hvq|
Òe¨enviRwbZ ÿwZÓ mywbw`©ó I mgwóMZfv‡e we‡ePbv Kiv nq| mywbw`©ó Òe¨enviRwbZ ÿwZÓ wbY©‡qi Rb¨ mKj Zvrch©c~Y© Avw_©K m¤ú`‡K cwigvc Kiv nq| mywbw`©ó Òe¨enviRwbZ ÿwZÓ wbY©q m¤¢e bv n‡j mvgwóKfv‡e Òe¨enviRwbZ ÿwZÓ wbY©q Kiv nq hw` Zv msNwUZ n‡q _v‡K wKš‘ BwZc~‡e© mywbw`©ó Kiv bv n‡q _v‡K| m¤ú`¸‡jv hw` GKKfv‡e Zvrch©c~Y© bv n‡q _v‡K †m †¶‡Î GKB ˆewk‡ó¨i SuywK m¤^wjZ Avw_©K m¤ú`‡K (Ae‡jvwcZ e¨q) MÖæc Kiv nq|
Avw_©K m¤ú`¸‡jv‡K †hfv‡e Òe¨enviRwbZ ÿwZÓ Kiv n‡q‡Q Zv n‡”Q, FYMÖnxZvi FY cwi‡kv‡ai A¶gZv, BwZc~‡e© wbw`©ó Kiv nqwb Giƒc kZ© FY I AwMÖ‡gi †¶‡Î Av‡ivc, FYMÖnxZvi †`Dwjqv nIqvi m¤¢vebv, †Kvb wmwKDwiwU‡Ri Kvh©Kix evRvi bó n‡q hvIqv, A_ev FYMÖnxZv m¤úwK©Z Ggb †Kvb Z_¨ hv Zvi cwi‡kvam~wPi Dci cÖfve †dj‡Z cv‡i A_ev Ggb †Kvb A_©‰bwZK Ae¯’v hv cwi‡kv‡ai Ici weiƒc cÖfve †dj‡Z cv‡i|
†Kvb m¤ú‡`i Òe¨enviRwbZ ÿwZÓ wbav©i‡Yi Rb¨ H m¤ú‡`i Ae‡jvwcZ e¨q wba©viY Kiv cÖ‡qvRb nq hv G m¤ú‡`i eZ©gvb g~j¨ Ges fwel¨r bM` cÖev‡ni cÖK…Z Kvh©Kix my` nv‡i evÆvK…Z As‡Ki cv_©K¨ n‡Z cvIqv hvq| G ¶wZ jvf ¶wZ wn‡m‡e cÖ`k©b Kiv nq Ges FY I AwMÖg n‡Z ev` w`‡q cÖ`k©b Kiv nq|
cieZ©x mg‡q hw` Bg‡cqvi‡g›U ¶wZ n«vm cvq Ges Zv hw` †Kvb mywbw`©ó NUbvi mv‡_ e¯‘wbôfv‡e m¤úwK©Z Kiv hvq, †m‡¶‡Î D³ Ae‡jvcbK…Z A_© Av‡qi weeiYx‡Z wnmvevqb Kiv nq|
(R) Ad‡mwUs
†Kvb cÖ`wk©Z A_©‡mU Ad Kivi Rb¨ hLb †Kvb c‡¶i AvBbZ ejer‡hvM¨ AwaKvi _v‡K Ges H †jb‡`bwU wbU wfwˇZ wb®úwËi AwfcÖvq e¨³ K‡i _v‡K ZLb H mKj Avw_©K m¤ú` I `vq¸‡jv‡K Ad‡mU K‡i wbU cwigvY‡K w¯’wZc‡Î cÖ`k©b Kiv n‡q _v‡K|
3.05 ˆe‡`wkK gy`ªv wnmve
wewfbœ †`‡ki †K›`ªxq e¨vsK Ges wewfbœ ˆe‡`wkK evwYwR¨K e¨vs‡Ki mv‡_ cwiPvwjZ PjwZ wn‡m‡e ˆe‡`wkK gy`ªvi w¯’wZ ˆe‡`wkK gy`ªv wn‡m‡ei AšÍfz©³| w¯’wZc‡Îi Zvwi‡L H w`‡bi wewbgq nv‡i ˆe‡`wkK gy`ªv wn‡m‡ei w¯’wZ Kvh©Kix gy`ªvq cwigvc Kiv nq Ges G cwigvc n‡Z D™¢‚Z jvf-¶wZ Avq wn‡m‡e AšÍfz©³ Kiv nq| w¯’wZc‡Îi Zvwi‡L wewbgqRwbZ Avq gybvdv AveÈbKv‡j msiwÿZ gybvdv Znwej †_‡K cybg~©j¨vqbRwbZ mwÂwZ‡Z ¯’vbvšÍi Kiv nq| (†bvU b¤^i-3.03 t ˆe‡`wkK gy`ªv jvf-ÿwZ mswkøó wnmvevqb bxwZ `ªóe¨)
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evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
3.06 ˆe‡`wkK wewb‡qvM
ˆe‡`wkK wewb‡qv‡M ¯^í‡gqv‡` gybvdv AR©‡bi D‡Ï‡k¨ ˆe‡`wkK evwYwR¨K e¨vsKmg~‡n GK n‡Z wZb gvm †gqv‡` ˆe‡`wkK gy`ªvq wewb‡qvM, ivZvivwZ wewb‡qvM, evÆvq μqK…Z ˆe‡`wkK gy`ªvq †UªRvwi wej Ges my` AvqKvix we‡`wk eÛ AšÍfz©³ i‡q‡Q| w¯’wZc‡Îi Zvwi‡L G mKj wewb‡qv‡Mi ˆe‡`wkK gy`ªvq evwnZ cwigvY H Zvwi‡Li wewbgq nv‡i Kvh©Kix gy`ªvq cwigvc Kiv nq| D™¢‚Z jvf-¶wZ Avq wnmv‡e AšÍfz©³ K‡i w¯’wZc‡Îi Zvwi‡L wewbgqRwbZ Avq gybvdv Aveȇbi gva¨‡g cybg~©j¨vqb mwÂwZ‡Z ¯’vbvšÍi Kiv nq|
3.07 ˆe‡`wkK gy`ªvq Ab¨vb¨ Avw_©K m¤ú`
myBd&U †kqvi Ges AwR©Z my` I wWwf‡WÛ Ab¨vb¨ m¤ú‡` mwbœ‡ek Kiv n‡q‡Q| myBd&U †kqvi Gi †Kvb evRvi g~j¨ bv _vKvq wfwËg~‡j¨ g~j¨vqb Kiv n‡q‡Q|
3.08 bM` I bM` mgZyj¨
miKv‡ii wbKU n‡Z μqK…Z Ges e¨vsK KZ…©K aviYK…Z wKš‘ Bmy¨K…Z bq Giƒc GK I `yB UvKvi †bvU I avZe gy`ªv, SPCBL (mvewmwWqvwi) KZ…©K aviYK…Z bM` Ges †mvbvjx e¨vsK wjt, gqgbwmsn Awd‡m bM` Rgv AwfwnZ g~‡j¨ e¨vsK w¯’wZi bM` I bM` mgZz‡j¨ AšÍfz©³ i‡q‡Q|
3.09 miKvi‡K cÖ`Ë FY
evsjv‡`k miKvi‡K cÖ`Ë ÒDcvq I DcKiY FYÓ, ÔÔIfviWªvdU&ÕÕ (eøKW I PjwZ) wn‡m‡e cÖ`Ë FY myweav, miKv‡ii †UªRvwi wej I eÛ¸‡jv G ai‡bi F‡Yi AšÍfz©³|
Dcvq I DcKiY FY
miKvwi Lv‡Z Rgv A‡c¶v D‡Ëvjb †ewk n‡j miKvi‡K cÖ`Ë G AwZwi³ D‡Ëvjb †i‡cvi my` nv‡i AbwaK 40,000 wgwjqb UvKv (2014 mv‡j 40,000 wgwjqb UvKv) ÒDcvq I DcKiYÓ FY wn‡m‡e we‡ePbv Kiv nq| miKvi‡K cÖ`Ë IfviWªvdU&-PjwZ FY †KejgvÎ m¤ú~Y©iƒ‡c mgš^q Kivi ci ÒDcvq I DcKiYÓ Lv‡Z miKvi n‡Z †Kvb cÖKvi DØ„Ë Av`vq Kiv nq|
IfviWªvdU PjwZ Ges eøKW
evsjv‡`k miKvi‡K ÒDcvq I DcKiYÓ FY wn‡m‡e cÖ`Ë 40,000 wgwjqb UvKvi AwZwi³ AbwaK 40,000 wgwjqb UvKv (2014 mv‡j 40,000 wgwjqb UvKv) IfviWªvdU (PjwZ) FY wn‡m‡e MY¨ Kiv nq| G‡ÿ‡Î †i‡cvi my` nv‡ii †P‡q AwZwi³ 1 kZvsk nv‡i my` Av‡ivc Kiv nq| e¨vsK KZ…©K miKvi‡K cÖ`Ë PjwZ IfviWªvdU& Lv‡Zi FY m¤ú~Y©iƒ‡c mgš^‡qi ci miKvi n‡Z DØ„Ë Av`vq Kiv n‡j Zv Øviv Dcvq I DcKiY Lv‡Zi FY wnmve mgš^q Kiv nq| IfviWªvd&U eøKÕ‡K c~‡e© miKvwi †UªRvwi wej wn‡m‡e AwfwnZ Kiv nZ| 2006-07 A_©eQ‡ii ïiæ‡Z miKvwi †UªRvwi we‡ji w¯’wZ‡K IfviWªvd&U eøK wn‡m‡e ¯’vbvšÍi Kiv nq| 2007 A_©eQi †_‡K A`¨vewa cÖwZ eQi miKvi KZ…©K 15,000 wgwjqb UvKv D³ wn‡m‡e mgš^q Kiv nq| IfviWªvd&U eøK Gi †ÿ‡Î 91 w`b †gqvw` †UªRvwi we‡ji nv‡i my` Av‡ivc Kiv nq|
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evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
†UªRvwi wej I eÛ
evwYwR¨K e¨vsK ev Avw_©K cÖwZôvb¸‡jv miKv‡ii wbKU n‡Z miKvwi †UªRvwi wej I eÛ μq bv Ki‡j evsjv‡`k e¨vsK †m¸‡jv miKvi n‡Z μq K‡i| w¯’wZc‡Îi Zvwi‡L G‡`i evRvi g~‡j¨ g~j¨vqb Kiv n‡q‡Q|
3.10 ¯’vbxq gy`ªvq wewb‡qvM
MÖæ‡ci wewb‡qv‡M nvDR wewìs dvBb¨vÝ K‡c©v‡ik‡bi (GBPweGdwm) FYcÎ, AvBwmwe BmjvwgK e¨vsK wjwg‡UW Gi †kqv‡i wewb‡qvM Ges ¯’vbxq evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvM AšÍfz©³ i‡q‡Q| FYcÎ Ges †kqv‡i wewb‡qvM b¨vh¨-g~‡j¨ †`Lv‡bv n‡q‡Q|
3.11 ¯’vbxq gy`ªvq e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë FY
ivóªxq gvwjKvbvaxb evwYwR¨K e¨vsK I we‡klvwqZ e¨vsK, Ab¨vb¨ Zdwmwj e¨vsK I Avw_©K cÖwZôvb Ges evsjv‡`k e¨vs‡Ki Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë F‡Yi AšÍfz©³ i‡q‡Q| Av`vq‡hvM¨ bq Giƒc †Kvb Ask _vK‡j Zv ev` w`‡q Av`vq‡hvM¨ Ask GLv‡b cÖ`k©b Kiv n‡q‡Q|
3.12 ¯^Y© I †iŠc¨
¯^Y© I †iŠc¨ e¨vs‡Ki gwZwSj Awd‡m gRy` K‡i ivLv nq Ges Zv evRvi g~‡j¨ cÖ`wk©Z nq| cybg©~j¨vqb n‡Z D™¢‚Z jvf ev ¶wZ mvgwMÖK Avq weeiYx‡Z AšÍfz©³ K‡i gybvdv AveÈbKv‡j Òcybg~©j¨vqb mwÂwZt ¯^Y© I †iŠc¨Ó wn‡m‡e BKz¨BwU wn‡m‡e ¯’vbvšÍi Kiv nq| e¨vsK wewb‡qvM †cvU©dwjI cwiPvjbv Ki‡Z cÖ_g †kÖwYi we‡`wk Avw_©K cÖwZôvb¸‡jv‡K Gi gRy` ¯^‡Y©i AvswkK Ask avi †`q| d‡j, e¨vsK my` Avq K‡i| ¯¦Y© avi †jb‡`b¸‡jv msiwÿZ wfwˇZ msNwUZ nq| ¯^‡Y©i `vg msμvšÍ SzwK e¨vsKB enb K‡i| ¯^Y© FY Avw_©K Ae¯’v wee„wZi Ò¯^Y© †jb‡`b n‡Z `vweÓ wn‡m‡e evRvi g~‡j¨ w¯’wZc‡Î †`Lv‡bv nq| AwR©Z my`‡K Òmy` Avq - ˆe‡`wkK gy`ªv Kvh©μgÓ wn‡m‡e †`Lv‡bv nq|
3.13 m¤úwË, ¯’vcbv I miÄvgvw`
(K) wn‡m‡e AšÍfz©w³KiY I cwigvcb
m¤úwË, ¯’vcbv I miÄvgvw`i μqg~j¨‡K Ges cieZ©x mg‡q cybg~©j¨vwqZ g~j¨‡K cybg~©j¨vq‡bi Zvwi‡L cÖK…Z g~j¨ we‡ePbv K‡i Zv n‡Z cyÄxf‚Z AePq Ges Bg‡cqvi‡g›U ¶wZ ev` w`‡q Dc¯’vcb Kiv n‡q‡Q|
m¤úwË, ¯’vcbv I miÄvgvw`i AvIZvq f‚wg Ges feb e¨vs‡Ki wbR¯^ m¤ú` wn‡m‡e we‡ePbv Kiv n‡q‡Q Ges Zv e¨vs‡Ki cwiPvjbv, e¨e¯’vcbv Ges Kg©Pvix‡`i Avevm¯’j wn‡m‡e e¨eüZ n‡”Q|
(L) cybg©~j¨vqb
hw` cybg~©j¨vq‡bi d‡j †Kvb m¤úwËi g~j¨ e„w× cvq Zvn‡j ewa©Z g~j¨ Ab¨vb¨ mvgwMÖK Avq weeiYx‡Z AšÍfz©³ Kivi ci cybg©~j¨vqb wiRvf© wn‡m‡e BKz¨BwU Gi Aax‡b cÖ`wk©Z nq| hw`I, ewa©Z g~j¨ jvf-ÿwZ‡Z ZZUzKzB †`Lv‡bv n‡e hZUzKzi wecix‡Z c~‡e©i jvf-ÿwZ‡Z GKB m¤úwËi cybg©~j¨vq‡bi n«vm †`Lv‡bv n‡q‡Q|
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hw` cybg~©j¨vq‡bi d‡j †Kvb m¤úwËi g~j¨ n«vm cvq Zvn‡j n«vmK…Z g~j¨ jvf-ÿwZ weeiYx‡Z cÖ`wk©Z nq| hw`I n«vmK…Z g~j¨ Ab¨vb¨ mvgwMÖK Avq weeiYx‡Z ZZUzKzB †`Lv‡bv n‡e hZUzKz c~‡e©i cybg©~j¨vqbRwbZ ewa©Z wn‡m‡e GKB m¤úwËi wecix‡Z †μwWU w¯’wZ‡Z †`Lv‡bv n‡q‡Q| Ab¨vb¨ mvgwMÖK Avq weeiYx‡Z cÖ`wk©Z G n«vmK…Z g~j¨ cybg©~j¨vqbRwbZ ewa©Z wn‡m‡ei μg‡hvwRZ BKz¨BwU‡K n«vm K‡i|
e¨vsK Zvi gvwjKvbvaxb f‚wg 30 Ryb 2014 Zvwi‡Li wfwˇZ Ges Ab¨vb¨ m¤úwË, ¯’vcbv I hvwš¿K miÄvgvw` 1 RyjvB 2009 Zvwi‡Li wfwˇZ GKwU ¯^Zš¿ g~j¨vqbKvix cÖwZôvb Øviv cybg©~j¨vqb Kwi‡q‡Q| 5 eQi cici m¤úwË, ¯’vcbv Ges miÄvgvw` cybg©~j¨vq‡b e¨vs‡Ki wbR¯^ bxwZgvjv i‡q‡Q| †h‡nZz Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ m¤úwË wn‡m‡e wPwýZKiY Ges cwigvcb bxwZgvjv eZ©gv‡b cybg©~j¨vqb i‡q‡Q ZvB 2009 mv‡ji ci e¨vs‡Ki f‚-m¤úwË e¨ZxZ Ab¨vb¨ Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ cybg~©j¨vqb Kiv nqwb|
mvewmwWqvwii gvwjKvbvaxb f‚-m¤úwË, ¯’vcbv I hvwš¿K miÄvgvw` 1 RyjvB 2013 Zvwi‡Li wfwˇZ GKwU ¯^Zš¿ g~j¨vqbKvix cÖwZôvb Øviv cybg©~j¨vqb Kiv n‡q‡Q| f‚-m¤úwË, ¯’vcbv Ges miÄvgvw`i cybg©~j¨vwqZ Z_v cÖK…Z g~j¨ mvgwMÖK Avw_©K weeiYx‡Z m¤úwË wn‡m‡e cÖ`wk©Z n‡q‡Q|
m¤úwË, ¯’vcbv I hvwš¿K miÄvgvw` cybg~©j¨vq‡bi †¶‡Î Zvrch©c~Y© cÖwμqv I aviYv¸‡jv wbgœiƒc t
(A) †hŠw³K g~‡j¨ f‚wg cybg©~j¨vqb Kiv n‡q‡Q| cÖvmw½K mg‡q ¯’vb wfwËK f‚wgi weμqg~j¨‡K we‡ePbvq wb‡q f¨vjyqvi KZ…©K f‚wg cybg©~j¨vqb Kiv n‡q‡Q|
(Av) feb, g~jabx Kv‡Ri AMÖMwZ, ˆe`y¨wZK I M¨vm ¯’vcbv cybg~ ©j¨vq‡bi †¶‡Î wbgv©Y I ¯’vcbvi miÄvgvw`i cÖK…Z g~j¨ Ges kÖwgK I Ifvi‡nW LiP‡K g~j¨ wn‡m‡e we‡ePbv Kiv n‡q‡Q|
(B) hvwš¿K miÄvgvw`, ¯’vcbv I hš¿cvwZ Ges †gvUihvb cÖwZ¯’vcb g~‡j¨i wfwˇZ cybg~ ©j¨vqb Kiv n‡q‡Q|
(M) cieZx© e¨q
m¤úwË, ¯’vcbv I miÄvgvw`i Rb¨ cieZ©x‡Z wbe©vwnZ e¨q‡K g~jabxKiY Kiv nq hLb D³ m¤úwË n‡Z A_©‰bwZK myweav e„w× cvq Ges G myweavi g~j¨ mwVKfv‡e wbiƒcY Kiv m¤¢e nq| cwiewZ©Z As‡ki g~j¨ wnmvevqb †_‡K ev` †`qv nq| m¤úwË, ¯’vcbv I miÄvgvw`i i¶Yv‡e¶‡Yi †¶‡Î msNwUZ cÖvZ¨wnK e¨q jvf-¶wZ wn‡m‡e wnmvevqb Kiv n‡q‡Q|
(N) g~jabx Kv‡Ri AMÖMwZ e¨q
g~jabx Kv‡Ri AMÖMwZi LiP‡K msNwUZ nIqvi mgq wnmvevqb Kiv n‡q‡Q Ges KvR mgvß nIqvi ci AePq wnmvevqb Kiv n‡q‡Q|
143
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(O) AePq
e¨env‡ii cÖ_g ZvwiL n‡Z m¤úwË, ¯’vcbv I miÄvgvw`i AePq MYbv ïiæ nq, Avevi wbR¯^ ˆZwiK…Z m¤úwËi †ÿ‡Î D³ m¤úwË cÖ¯‘‡Zi †kl w`b Ges e¨envi‡hvM¨Zvi ïiæi w`b †_‡K AePq MYbv ïiæ nq| m¤úwË, ¯’vcbv I miÄvgvw`i μqg~j¨ †_‡K fMœve‡kl g~j¨ ev` w`‡q AbywgZ e¨envi‡hvM¨ eQi w`‡q fvM K‡i mij‰iwLK c×wZ‡Z AePq avh© Kiv nq| AePq mvaviYZ jvf-ÿwZ wnmv‡e †`Lv‡bv nq hw` bv GwU Ab¨ m¤úwËi evwnZ g~‡j¨i mv‡_ AšÍfz©³ _v‡K| f‚wgi †¶‡Î AePq Kiv nqwb| Ae‡jvcb c×wZ, AbywgZ e¨envi‡hvM¨ Avqy®‹vj Ges fMœve‡kl g~j¨ cÖwZ wi‡cvwU©s Zvwi‡L cybtwe‡ePbv Kiv nq Ges cÖ‡qvRbvbyhvqx mgš^q Kiv nq| m¤úwË, ¯’vcbv I miÄvgvw`i AvbygvwbK Kvh©Kix Avqy®‹v‡ji wfwˇZ AePq wbgœewY©Z nv‡i avh© Kiv n‡q‡Q t
(P) FYeve` e¨‡qi g~jabvqb
e¨vsK m¤ú‡`i AR©b, wbg©vY A_ev Drcv`‡bi mv‡_ mivmwi RwoZ LiPmg~n wb¤œwjwLZ kZ©mg~n c~iY mv‡c‡ÿ AvBGGm-23 Abymv‡i FYeve` e¨q wn‡m‡e g~j¨vwqZ K‡i|
A) e¨qmg~n fwel¨r A_©‰bwZK myweav Avbqb Ki‡e| Av) e¨qmg~n wbf©i‡hvM¨fv‡e cwigvc Kiv hv‡e|
hw` FYeve` e¨qmg~n Dchy©³ kZ©vejx c~iY bv K‡i Z‡e †m¸‡jv e¨q wn‡m‡e cwiMwYZ n‡e| g~jabvq‡bi Rb¨ GKwU Dchy³ m¤ú` n‡”Q †m m¤ú` hv e¨env‡ii D‡Ïk¨ mvab Ges weμ‡qi Rb¨ cÖ¯‘Z n‡Z D‡jøL‡hvM¨ mgq †bq|
(Q) Bg‡cqvi‡g›U
Bg‡cqvi‡g‡›Ui †Kvb wb‡`©kbv Av‡Q wK bv Zv wbiƒc‡Yi Rb¨ e¨vs‡Ki m¤úwË, ¯’vcbv I hvwš¿K miÄvgvw` Ges A¯úk©bxq m¤ú`mg~‡ni evwnZ g~j¨ cÖ‡Z¨K w¯’wZc‡Îi Zvwi‡L cybwe©‡ePbv Kiv nq| hw` Ggb †Kvb wb‡`©kbv †_‡K _v‡K Z‡e m¤ú‡`i Av`vq‡hvM¨ g~j¨ cÖv°jb Kiv nq| Bg‡cqvi‡g›URwbZ ÿwZ ZLbB nq hLb m¤ú‡`i evwnZ g~j¨ A_ev bM` DrcbœKvix BDwbUmg~‡ni evwnZ g~j¨ Gi Av`vq‡hvM¨ g~j¨‡K Qvwo‡q hvq| Bg‡cqvi‡g›URwbZ †h‡Kvb ÿwZ jvfÿwZ wnmv‡e wPwýZ Kiv nq| †h mg¯Í m¤ú‡`i Avqy®‹vj Awbw`©ó _v‡K †m¸‡jvi Av`vq‡hvM¨ g~j¨ w¯’wZc‡Îi Zvwi‡L cÖv°wjZ nq|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
m¤úwË, ¯’vcbv I hvwš¿K miÄvgvw`i †kÖwY feb I Ab¨vb¨ ¯’vcbv hvwš¿K/Awdm miÄvgvw` Kw¤úDUvi I †bUIqvwK©s miÄvgvw` I hš¿cvwZ †gvUi Mvwo ˆe`y¨wZK ¯’vcbv M¨vm ¯’vcbv
e¨vsK5%10%20%10%20%20%20%
mvewmwWqvwi (GmwcwmweGj)2.5% - 20%5% - 20%
-10%20%
--
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wbU weμqg~j¨ Ges evwnZ g~‡j¨i g‡a¨ †hwU eo Zv m¤ú‡`i Av`vq‡hvM¨ g~j¨ wn‡m‡e wjwce× Kiv nq| cÖv°wjZ fwel¨r bM` cÖevn‡K wWmKvD›U †iU (evÆv nvi) G evÆvKiY K‡i eZ©gvb g~j¨ wba©viY Kiv nq hv‡Z A‡_©i mgq g~j¨ Ges m¤ú‡`i mv‡_ RwoZ SuzwKi cÖwZdjb NwU‡q PjwZ evRvi g~j¨ wb‡`©k K‡i| †h mKj m¤ú` ¯^vaxbfv‡e bM` AšÍtcÖevn m„wó K‡i bv †m mg¯Í m¤ú‡`i †ÿ‡Î IB m¤ú`mg~n bM` AšÍtcÖevn DrcbœKvix †hmKj BDwb‡Ui AšÍfz©³ Zvi Dci wfwË K‡i Av`vq‡hvM¨ g~j¨ wbiƒwcZ nq|
Av`vq‡hvM¨ g~j¨ wba©vi‡Yi Rb¨ cÖv°j‡b †Kvbiƒc cwieZ©b n‡j Bg‡cqvi‡g›U RwbZ ÿwZ cybtwba©viY Kiv nq| m¤ú‡`i evwnZ g~j¨ A‡cÿv IB m¤ú‡`i c~‡e© cÖv°wjZ evwnZ g~j¨, wbU AePq ev Ae‡jvcb hZUzKz †ewk nq ïaygvÎ ZZUzKzB Bg‡cqvi‡g›U RwbZ ÿwZ wn‡m‡e cybtwba©viY Kiv nq|
3.14 A`„k¨gvb m¤ú`mg~n Ges G¸‡jvi Amortization
μqg~j¨ †_‡K cyÄxf‚Z Amortization Ges Ab¨vb¨ cyÄxf‚Z Impairment Loss ev` w`‡q e¨vsK KZ…©K AwR©Z mdU&Iq¨v‡ii g~j¨ wba©viY Kiv nq| Af¨šÍixYfv‡e ˆZwiK…Z mdU&Iq¨v‡ii e¨q m¤úwË wn‡m‡e ¯^xK…wZ †`qv nq hLb e¨vsK GwU ˆZwi m¤úbœ Ki‡Z, cÖeYZv Ges Kvh©ÿgZv eY©bv Ki‡Z mÿg hv fwel¨r Avw_©K myweav AR©b Ki‡e Ges wbf©iZvi mv‡_ GwU ˆZwi Kivi e¨q cwigvc Ki‡Z cv‡i| Af¨šÍixYfv‡e ˆZwiK…Z mdU&Iq¨v‡ii g~jabvwqZ e¨qmg~‡ni g‡a¨ AšÍfz©³ i‡q‡Q- mdU&Iq¨viwU ˆZwiKi‡Yi mv‡_ RwoZ cÖZ¨ÿ e¨qmg~n, F‡Yi g~jabvwqZ e¨qmg~n Ges AePq I Bg‡cqvi‡g›U mwÂwZ ev‡` g~jabvwqZ e¨q| mdU&Iq¨vi m¤ú`mg~‡ni Dci cieZ©x LiPmg~n g~jabvwqZ Kiv nq hLb GwU fwel¨r Avw_©K myweav e„w× K‡i Ges hv Gi mv‡_ RwoZ wbw`©ó m¤ú‡`i mv‡_ m¤úwK©Z| Ab¨ e¨qmg~n msNU‡bi wfwˇZ wnmvevqb Kiv nq| e¨envi Dc‡hvMx ZvwiL n‡Z mdU&Iq¨vimg~‡ni cÖv°wjZ Avqy®‹vje¨vcx jvf-ÿwZ wnmv‡e mij‰iwLK c×wZ‡Z Ae‡jvcb Kiv nq| eZ©gvb Ges Zzjbvg~jK mgqKv‡j mdU&Iq¨vimg~‡ni cÖv°wjZ Avqy®‹vj cuvP eQi| Ae‡jvcb c×wZ, Avqy®‹vj Ges fMœve‡kl g~j¨ cÖwZ wi‡cvwU©s Zvwi‡L cybtwe‡ePbv Kiv nq Ges cÖ‡qvRbvbyhvqx mgš^q Kiv nq|
3.15 wmwKDwiwUR¸‡jvi FY MÖnY I cÖ`vb Ges cybtμq †jb‡`bmg~n
Avw_©K evRvi Kvh©μ‡gi AvIZvq evsjv‡`k e¨vsK ¯’vbxq miKv‡ii †UªRvwi wej I e‡Ûi (hv cybtμq Pzw³i eÜKx`ªe¨ wn‡m‡e e¨eüZ nq) cybtμq Pzw³ m¤úv`b K‡i _v‡K| hLb MÖæc †Kvb Avw_©K m¤ú` weμq K‡i Ges GKB mv‡_ H m¤ú` fwel¨‡Z †Kvb Zvwi‡L wbw`©ó `v‡g cybtμ‡qi Pzw³ K‡i Zv MÖæ‡ci Rgv wnmv‡e MY¨ Kiv nq Ges Avw_©K weeiYx‡Z †`Lv‡bv nq| GKBfv‡e, hLb evwYwR¨K e¨vsKmg~n †Kvb Avw_©K m¤ú` evsjv‡`k e¨vs‡Ki wbKU weμq K‡i Ges GKB mv‡_ H m¤ú` fwel¨‡Z †Kvb Zvwi‡L wbw`©ó `v‡g cybtμ‡qi Pzw³ K‡i Zv MÖæ‡ci FY wnmv‡e †`Lv‡bv nq Ges Avw_©K weeiYx‡Z Zv †`Lv‡bv nq bv|
3.16 Kg©Pvix myweav
Kg©KZ©v/Kg©Pvix‡`i †mevi wecix‡Z cÖwZôvb KZ…©K cÖ`Ë myweavw` wewfbœ Kg©Pvix myweavi AšÍfz©³| Kg©Pvix myweav wbgœiƒcfv‡e wnmv‡e AšÍfz©³ Kiv nq t K) hLb †Kvb Kg©KZ©v/Kg©Pvixiv †mev cÖ`vb K‡i ZLb Zvi wecix‡Z fwel¨‡Z Kg©Pvix myweav cÖ`v‡bi `vq m„wó nq; Ges L) cÖwZôv‡bi †Kvb Kg©KZ©v/Kg©PvixMY hLb cÖ`Ë †mev n‡Z Avw_©K myweav †c‡q _v‡K ZLb Zvi wecix‡Z Kg©Pvix myweav LiP wn‡m‡e MY¨ nq|
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3.17 ¯^í‡gqvw` Kg©KZ©v/Kg©Pvix myweav
¯^í‡gqvw` Kg©Pvix myweavi `vq A-evÆvK…Z c×wZ‡Z cwigvc Kiv n‡q‡Q Ges cÖ`Ë †mevi wecix‡Z e¨q wn‡m‡e wnmvevqb Kiv n‡q‡Q| ¯^í‡gqv‡` bM` †evbvm, wPwKrmv fvZv, gybvdv Askx`vi‡Z¡i cwiKíbv A_ev Ab¨ †h †Kvb e¨q hv Avq weeiYx‡Z AšÍfz©³ Kiv n‡q‡Q|
3.18 PvKzix DËi myweav
PvKzix DËi myweav n‡”Q H mKj myweav (PvKzixPz¨wZ myweav e¨ZxZ) hv Kg©Pvixi PvKzixc~wZ©‡Z cÖ`vb‡hvM¨ n‡e| cÖwZôvbwUi PvKzix DËi myweav cÖ`v‡bi Rb¨ K‡qKwU myweav cwiKíbv i‡q‡Q hv Zvi Avq e¨q weeiYx‡Z e¨q wnmv‡e cÖ`k©b Kiv n‡q‡Q|
(K) mywbw`©ó AskMÖnY cwiKíbvmg~n
mywbw`©ó AskMÖnY cwiKíbv n‡”Q wb‡qvM cieZ©x myweav cwiKíbv †hLv‡b cÖwZôvb Kg©Pvixi †mevi wecix‡Z GKwU c„_K mË¡v‡K (Znwej) GKwU wbw`©ó AsK cÖ`vb K‡i Ges †hLv‡b cieZ©x mg‡q hw` myweav cÖ`v‡bi Rb¨ h‡_ó/ch©vß Znwej bv _v‡K †m †ÿ‡Î AwaKZi Ae`vb ivLvi Rb¨ cÖwZôv‡bi AvBbMZ ev mvgwMÖK †Kvb `vq _v‡K bv|
(A) Kw›UªweDUwi cÖwf‡W›U dvÛ
e¨vsK I Kg©Pvix DfqB G dv‡Û Aby`vb †hvMvb †`q| hv wewfbœ wmwKDwiwUR-G wewb‡qvM Kiv nq| e¨vsK G Znwe‡ji w¯’wZi Dci 13% nv‡i gybvdv cÖ`v‡b cÖwZkÖæwZe×| hw` KL‡bv G dv‡Ûi wewb‡qvM n‡Z cÖvß gybvdv 13% Gi Kg nq †m †ÿ‡Î NvUwZ Ask e¨vsK KZ…©K cwi‡kvwaZ n‡e hv jvf-ÿwZ weeiYx‡Z cÖ`wk©Z n‡e| G dv‡Û cÖ‡`q e¨vs‡Ki Aby`vb‡K Av‡qi wecix‡Z LiP wn‡m‡e †`Lv‡bv nq|
(L) wbw`©ó myweav cwiKíbvmg~n
mywbw`©ó myweav cwiKíbv n‡”Q wb‡qvM DËi myweav cwiKíbv hv mywbw`©ó AskMÖnY cwiKíbv n‡Z wfbœ|
(A) †Rbv‡ij cÖwf‡W›U dvÛ
Kg©Pvixiv Zv‡`i g~j †eZ‡bi wewfbœ œ nv‡i A_© G dv‡Û Aby`vb wn‡m‡e cÖ`vb K‡ib| G dv‡Û e¨vs‡Ki †Kvb Aby`vb †bB| fwel¨ Znwe‡ji A_© wewfbœ wmwKDwiwU‡R wewb‡qvM Kiv nq Ges e¨vsK G Znwe‡ji Dci 13% (2014 : 13%) gybvdv cÖ`v‡b A½xKvive×| wewb‡qvMK…Z A‡_©i cÖv‡c¨i NvUwZ Ask e¨vsK KZ…©K cwi‡kva Kiv nq Ges Zv e¨vs‡Ki Avq-e¨q weeiYx‡Z cÖwZdwjZ nq|
(Av) †cbkb cwiKíbv (w¯‹g)
Kg©KZ©v/Kg©PvixMY Zv‡`i me©‡kl g~j †eZ‡bi m‡e©v”P 80% nv‡i †cbkb cvevi †hvM¨| cÖwZ 1 UvKvi 230 ¸Y nv‡i (2014 : UvKv 230) cÖvc¨ †gvU UvKvi 50% GKKvjxb Kg©KZ©v/Kg©PvixMY‡K
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cwi‡kva Kiv nq| Z‡e Kg©KZ©v/Kg©PvixMY PvB‡j Aewkó 50% UvKvI GKKvjxb MÖnY Ki‡Z cv‡ib| †m‡ÿ‡Î cÖwZ 1 UvKvi 115 ¸Y nv‡i (2014 : UvKv 115) MÖnY Ki‡Z cv‡ib A_ev Avg„Zz¨ gvwmK nv‡i †cbkb MÖnY Ki‡Z cv‡ib|
mKj Kg©KZ©v/Kg©Pvix bM` wPwKrmv fvZv (65 eQi eqm ch©šÍ gvwmK 700 UvKv nv‡i 65 eQ‡ii c‡i gvwmK 1,000 UvKv nv‡i) cvevi †hvM¨| GgbwK miKvwi wb‡`©kbv †gvZv‡eK Aemi MÖn‡Yi c‡iI G myweav cÖ`vb Kiv nq|
bM`g~j¨vqbKvix KZ…©K e¨vs‡Ki †cbkb `vq 30 Ryb 2012 ZvwiL wfwˇZ †ckvMZ †hvM¨Zvm¤úbœ A¨vKPz¨qvwi KZ…©K g~j¨vqb Kiv n‡q‡Q| cÖ‡Póv BDwbU †μwWU c×wZ‡Z G A¨vKPz¨qvwi wnmvevqb Kiv n‡q‡Q| G mywb©w`ó myweav cÖ`v‡bi Rb¨ m„ó A¨vKPz¨qvwiqvj gybvdv/ÿwZ Avq-e¨q weeiYx‡Z Ab¨vb¨ mgwš^Z Avq/e¨q wnmv‡e †`Lv‡bv n‡q‡Q| bZzb †c-†¯‹j †NvlYv Ki‡j GwU †eZb ÷ªvKPv‡i h‡_ó cwieZ©b Av‡b| bZzb †c-†¯‹j †NvlYvi m¤¢vebv _vKvq Ges †m Abyhvqx A¨vKPz¨qvwiqvj f¨vjy‡qkb Kiv †hŠw³K n‡e e‡j cÖZxqgvb nIqvq e¨vsK G eQi †Kvb A¨vKPz¨qvwiqvj f¨vjy‡qkb K‡i wb|
(B) MÖ¨vPzBwU cwiKíbv (w¯‹g)
AemiMÖn‡Yi mgq Kg©Pvixiv cÖwZ eQi PvKzixi wecix‡Z 2 gv‡mi P‚ovšÍ g~j †eZ‡bi mgcwigvY A_© cÖvc¨ nb| G Znwej e¨vsK 30 Ryb 2012 ZvwiL wfwˇZ †ckvMZ †hvM¨Zvm¤úbœ A¨vKPz¨qvwi KZ…©K g~j¨vqb Kiv nq| †ckv`vi A¨vKPz¨qvwi KZ… ©K cÖ‡Póv BDwbU †μwWU c×wZ‡Z G A¨vKPz¨qvwi wnmvevqb Kiv n‡q‡Q| G mywb©w`ó myweav cÖ`v‡bi Rb¨ m„ó A¨vKPz¨qvwiqvj gybvdv/ÿwZ Avq-e¨q weeiYx‡Z Ab¨vb¨ mgwš^Z Avq/e¨q wnmv‡e †`Lv‡bv n‡q‡Q|
hLb Giƒc myweavi cwigvY e„w× cvq, e„w×cÖvß AskUzKz hv Kg©KZ©v/Kg©PvixMY KZ…©K m¤úvw`Z PvKzixKvj m¤úwK©Z, Zv Avq-e¨q weeiYx‡Z ms‡kvab Kiv nq|
(C) QzwU bM`vqb
Kg©KZ©v/Kg©PvixM‡Yi Aemi MÖnYKvjxb eqmmxgv 59 ermi eqm ch©šÍ Ae¨eüZ QzwUi cwigvY hw` 1 ermi ev Z‡ZvwaK mg‡qi Rgv nq †m‡ÿ‡Î Zviv m‡e©v”P 1 ermi Gi Rb¨ †eZbmn QzwU‡Z _vK‡Z cv‡ib| Aewkó Ae¨eüZ QzwU (m‡e©v”P 12 gvm) bM`vqb Ki‡Z cv‡ib| Aemi MÖnYKvjxb eqm bv nIqv ch©šÍ †Kvb Kg©KZ©v/Kg©PvixB Zvi QzwU bM`vqb Ki‡Z cv‡ib bv|
3.19 Ab¨vb¨ `xN©‡gqvw` PvKzix myweav
Ab¨vb¨ `xN©‡gqvw` PvKzwi myweavi g‡a¨ H mKj PvKzix myweav (PvKzix DËi myweav Ges PvKzwiPz¨wZ myweav e¨ZxZ) i‡q‡Q hv Kg©mgvwßi 12 gv‡mi g‡a¨ Kg©Pvix c~Y© cÖvc¨Zv jvf K‡ib bv| Aemi MÖn‡Yi ci cÖ‡Z¨K Kg©Pvix wPwKrmv fvZv eve` evrmwiK m‡e©v”P 1,000 UvKv cvevi †hvM¨ n‡eb|
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3.20 cÖwfkbmg~n
AZx‡Zi †Kvb NUbvi djvd‡ji Rb¨ AvBbMZfv‡e m„ó `vq Ges fwel¨‡Z D³ `vq wb®úwËi j‡ÿ¨ Avw_©K myweav cÖ`v‡bi m¤¢vebv _vKvq Ges Zv wbf©i‡hvM¨fv‡e cwigvc Kiv †M‡j †m‡ÿ‡Î cÖwfkb wnmvevqb Kiv n‡q‡Q|
cÖwfkb ZLbB w¯’wZc‡Î AšÍfz©³ Kiv nq hLb AZx‡Zi †Kvb NUbvi djvd‡ji Rb¨ AvBbMZfv‡e m„ó `vq Ges fwel¨‡Z D³ `vq wb®úwËi j‡ÿ¨ Avw_©K myweav cÖ`v‡bi m¤¢vebv _v‡K Ges Zv n‡Z †Kvb bM` ewntcÖev‡ni m¤¢vebv _v‡K Ges Zv wbf©i‡hvM¨fv‡e cwigvc Kiv hvq|
AvBbMZfv‡e m„ó `vq n‡”Q Ggb ai‡bi `vq hv Pzw³, cÖweavb ev Ab¨ †Kvb AvBb msμvšÍ cÖwμqvq m„ó n‡q‡Q| MwVZ `vq n‡”Q cÖwZôvb KZ…©K m¤úvw`Z ev cÖKvwkZ bxwZ wKsev AZxZ cÖ¨vKwUm n‡Z D™¢ ~Z `vq| w¯’wZc‡Îi Zvwi‡L wbY©qK…Z eZ©gvb `vq cwi‡kv‡ai Rb¨ cÖK…Z cwigvY e¨q wbiƒcYc~e©K Zv cÖwfkb wnmv‡e AšÍfz©³ Kiv n‡q‡Q| †h †ÿ‡Î A‡_©i mgq g~j¨ Zvrch©c~Y©iƒ‡c cwiMwYZ n‡q‡Q †m †ÿ‡Î cÖwfkb wnmvevq‡bi mgq fwel¨r `vq‡K eZ©gvb Li‡P g~j¨vqb Kiv nq| m‡e©vËg cwigvY wbY©qc~e©K w¯’wZc‡Îi Zvwi‡L cÖwfkb ch©v‡jvPbv Kiv nq|
3.21 cÖPviYK…Z †bvU
evsjv‡`k e¨vsK KZ…©K Bmy¨K…Z †bv‡Ui wecix‡Z evn‡Ki `vwe i‡q‡Q| cÖPviYK…Z †bv‡Ui `vq Avw_©K weeiYx‡Z AewnZ g~‡j¨ Dc ’vcb Kiv n‡q‡Q|
3.22 miKvwi Aby`vb
miKvwi Aby`v‡bi mv‡_ m¤úwK©Z kZ©vejx cÖwZôvb KZ…©K AbymiY Kiv n‡e G iKg hyw³m½Z wbðqZv Ges Aby`vb cvIqv hv‡e g‡g© wbwðZ n‡j miKvwi Aby`vb‡K cÖK…Z g~‡j¨ wnmvevqb Kiv nq| m¤úwË μ‡qi mv‡_ m¤úwK©Z Aby`vb wejw¤^Z Avq wnmv‡e we‡ewPZ nq Ges mswkøó m¤úwËi e¨envwiK Avqy®‹v‡ji g‡a¨ Avq weeiYx‡Z AveÈb Kiv nq|
3.23 my` Avq I e¨q
my` eve` Avq I e¨q Kvh©Ki my` nvi bxwZ cÖ‡qvM K‡i Avq-e¨q weeiYx Ges mgwš^Z Avq-e¨q weeiYx‡Z wnmvevqb Kiv n‡q‡Q| †h nv‡i Avw_©K m¤ú` ev `v‡qi (ev, †hLv‡b cÖ‡hvR¨, ¯^í‡gqv`) mv‡_ mswkøó bM` cÖ`vb ev MÖnY evÆv K‡i Avw_©K m¤ú` ev `v‡qi cÖK…Z g~‡j¨i mgvb nq Zv‡K Kvh©Ki my` nvi e‡j| Kvh©Ki my` nvi Avw_©K m¤ú` ev `v‡qi cÖv_wgKfv‡e wnmvevq‡b AšÍfz©³ Kiv nq Ges mPivPi cwieZ©b Kiv nq bv|
my` eve` Avq I e¨q Gi g‡a¨ evÆv ev wcÖwgqvg mgwóMZfv‡e ev my` AvniYhy³ Bb÷ªy‡g›U¸‡jvi †ÿ‡Î AwfwnZ g~j¨ Ges †gqv`c~wZ©‡Z Kvh©Ki my` nv‡ii wfwˇZ cÖK…Z g~‡j¨i cv_©K¨ AšÍfz©³ Kiv n‡q‡Q|
wd I Kwgkb Avq Ges LiP hv Avw_©K m¤ú` I `vqmg~‡ni cÖK…Z my` nvi wbY©‡qi Rb¨ Acwinvh© Zv AšÍfz©³ Kiv n‡q‡Q|
148
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 mgvß eQ‡ii
3.24 Kwgkb I evÆv-wd-Kwgkb eve` Avq
Kwgkb eve` Avq e¨vsK KZ…©K †Kvb Bb÷ªy‡g›U Bmy¨ Kivi mgq, iKgvwi wnmv‡e `xN©w`‡bi e‡Kqvi m~‡Î, wewea `ªe¨vw`i weμq, Kg©KZ©v/Kg©Pvix‡`i wbKU n‡Z Av`vqK…Z Mvwo/evm fvov Ges Ab¨ wewea LvZ n‡Z AwR©Z nq|
3.25 jf¨vsk Avq
Avq AR©‡bi AwaKvi cÖwZwôZ nIqvi ci jf¨vsk eve` Avq e¨vsK Gi c„_K Avw_©K weeiYx‡Z AšÍfz©³ Kiv n‡q‡Q|
3.26 AvqKi
(K) evsjv‡`k e¨vsK
evsjv‡`k e¨vsK AW©vi 1972 Gi 73, 74 I 75 bs aviv †gvZv‡eK e¨vsKwU mKj cÖKvi AvqKi, ÷¨v¤ú ïé ev ¯^Y©, †iŠc¨, avZe gy`ªv, KvMRx †bvU, wmwKDwiwU †ccv‡ii ïé Ges miKvi KZ…©K wba©vwiZ Ab¨vb¨ c‡Y¨i Dci †h †Kvb AvqK‡ii AvIZvgy³|
(L) mvewmwWqvwi
mvewmwWqvwi cÖwZôvbwU AvqK‡ii AvIZvaxb| PjwZ eQ‡ii jvf ÿwZi Dci AvqK‡ii g‡a¨ PjwZ eQ‡ii Ki Ges wejw¤^Z Ki AšÍf© z³ i‡q‡Q| †h Avq mivmwi BKz¨BwU wn‡m‡e ¯^xK…Z n‡q‡Q Zv e¨ZxZ Avq weeiYxi Ab¨vb¨ wel‡qi Dci AvqKi wnmve Kiv n‡q‡Q| mvewmwWqvwi cÖwZôvbwU eZ©gv‡b 35% AvqK‡ii AvIZvaxb|
PjwZ Ki ej‡Z PjwZ eQ‡ii Ki‡hvM¨ Av‡qi Dci cÖ‡`q Ki‡K eySv‡bv n‡q‡Q, G‡ÿ‡Î w¯’wZc‡Îi Zvwi‡L Av‡ivc ev Av‡ivc‡hvM¨ Ki nvi cÖ‡qvM Kiv n‡q‡Q, Ges c~e©eZx© eQ‡ii cÖ‡`q K‡ii mv‡_ mgš^q Kiv n‡q‡Q|
m¤ú` I `v‡qi w¯’wZc‡Î cÖ`wk©Z evwnZ g~j¨ Ges Ki nv‡ii cv_©‡K¨i Kvi‡Y wejw¤^Z Ki m„wó n‡q‡Q| wb¤œwjwLZ mvgwqK KviY¸wj‡Z wejw¤Z Ki m„wó Kiv nq bv|
mybv‡gi cÖv_wgK AšÍfz©w³KiY, m¤ú` I `v‡qi cÖv_wgK AšÍfz©w³KiY hv wnmveiÿY cÖwμqv ev Ki‡hvM¨ Avq-e¨q‡K cÖfvweZ K‡ibv Ges mvewmwWqvwi‡Z wewb‡qvM msμvšÍ †m cwigvY cv_©K¨ hv fwel¨‡Z wecixZ `vwLjvi gva¨‡g cwieZ©b n‡ebv| wejw¤^Z AvqKi Ggb nv‡i wbiƒcY Kiv n‡q‡Q hv mvgwqK cv_©‡K¨i Dci cÖ‡qvM‡hvM¨ n‡e, wewa †gvZv‡eK w ’wZc‡Îi Zvwi‡L Av‡ivc ev Av‡ivc‡hvM¨ Ki nvi cÖ‡qvM K‡i Pjgvb Ki nv‡i wejw¤Z Ki wbYx©Z nq|
3.27 w¯’wZc‡Îi Zvwi‡Li cieZ©x welq¸‡jv
w¯’wZc‡Îi Zvwi‡Li cieZ©x NUbv¸‡jv Ggb ai‡bi AwZwi³ Z_¨ cÖ`vb K‡i hv MÖæ‡ci w¯’wZc‡Îi Zvwi‡Li Ae¯’vb m¤ú‡K© A_ev h_vh_ bq Ggb Pjgvb aviYv hv Avw_©K weeiYx‡Z cÖwZdwjZ n‡q‡Q| AvBGGm 10 Abyhvqx w¯’wZc‡Îi Zvwi‡Li cieZx© NUbv¸‡jv hv mgš^‡qi welq bq Zv ¸iæZ¡c~Y© n‡j †m wel‡q †bv‡U D‡jøL Kiv n‡q‡Q| Avw_©K cÖwZ‡e`b Bmy¨ Kivi ZvwiL ch©šÍ Giƒc †Kvb NUbv msNwUZ nqwb hv Avw_©K weeiYx‡Z cÖKvk Kivi cÖ‡qvRb i‡q‡Q|
149
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
4 ˆe‡`wkK gy`ªv wnmve
DwjøwLZ w¯’wZ Ab¨vb¨ †`‡ki †K›`ªxq e¨vsK Ges evwYwR¨K e¨vsKmg~‡n wewfbœ ˆe‡`wkK gy`ªvq iwÿZ cyÄxf‚Z Rgv I w¯’wZi mgZzj¨ g~j¨ wb‡`©k K‡i|
iwÿZ w¯’wZ Ab¨vb¨ †K›`ªxq e¨vs‡K iwÿZ w¯’wZ ˆe‡`wkK evwYwR¨K e¨vs‡K iwÿZ w¯’wZ †gvU
5 ˆe‡`wkK wewb‡qvM
ivZvivwZ wewb‡qvM ewnt we‡k¦i evwYwR¨K e¨vsKmg~‡n ¯^í‡gqvw` wewb‡qvM BDGm Wjvi †UªRvwi wej ˆe‡`wkK eÛ †gvU
6 AvBGgGd mswkøó m¤c` I `vq
6.01 AvBGgGd G iwÿZ m¤c`
†KvUv GmwWAvi †nvwìs GmwWAvi n‡Z cÖvc¨ my` †gvU
6.02 AvBGgGd Gi wbKU `vq
AvBGgGd wmwKDwiwUR AvBGgGd-1 Ges AvBGgGd-2 wnmve GmwWAvi eivÏ AvBGgGd ewa©Z FY myweav `vwi`ª¨ we‡gvPb I cÖe„w× myweav Lv‡Zi FY cÖ‡`q my` †gvU
evsjv‡`k 1972 mvj n‡Z AvBGgGd Gi m`m¨| evsjv‡`k e¨vsK AvBGgGd Gi RgvKviK (Depository) Ges Avw_©K G‡R›U iƒ‡c KvR K‡i| Avw_©K G‡R›U wn‡m‡e evsjv‡`k e¨vsK AvBGgGd Gi mv‡_ mKj Kvh©μg I †jb‡`b cwiPvjbvi Rb¨ ¶gZvcÖvß| RgvKviK wn‡m‡e evsjv‡`k e¨vsK dv‡Ûi Kv‡iwÝ †nvwìs i¶Yv‡e¶Y K‡i Ges Avw_©K weeiYx‡Z dv‡Ûi m`m¨ wn‡m‡e m¤ú` I `v‡qi hv‡Z h_vh_ cÖwZdjb N‡U Zvi wbðqZv †`q|
2015 UvKv '000
2014 UvKv '000
19,546,523 1,469,337
21,015,860
16,829,772 962,455
17,792,227
58,352,886 72,789,125
6,174 131,148,185
64,000,373 84,454,866
12,871 148,468,110
56,675,010 1,617,261
55,847,748 50,016,838 3,314,286
4,732 167,475,874
62,320,401 1,624,626
61,252,784 54,857,548
8,266,285 10,192
188,331,836
247,393,553 674,465,879 83,279,606
679,254,220 1,684,393,258
483,942,828 492,050,716 83,075,584
357,890,893 1,416,960,021
150
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmveaPZz`©k Aa¨vq
127,742,085 -
10,735 127,752,820
(10,735) 127,742,085
105,186,763 296,164 11,040
105,493,967 (307,204)
105,186,763
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
2015 UvKv '000
2014 UvKv '000
evsjv‡`k †KvUv n‡jv m`m¨c` cÖvwßi Rb¨ cÖ`Ë Puv`vi cwigvY| †KvUv n‡jv †mB cwigvY A_© hv cÖ‡Z¨K AvBGgGd m`m¨ †`k KZ…©K AvBGgGd‡K cwi‡kva Ki‡Z nq| cÖ‡Z¨K m`m¨ †`k‡K AvBGgGd G †hvM`v‡bi wbwg‡Ë Aek¨B Puv`vi m¤ú~Y© Ask cwi‡kva Ki‡Z nq; hvi 25% ch©šÍ Aek¨B GmwWAvi A_ev eûj ¯^xK…Z gy`ªvq (†hgb BD.Gm Wjvi, BD‡iv, B‡qb A_ev cvDÛ ÷vwj©s) cwi‡kva‡hvM¨, hLb evwK Ask m`m¨ †`‡ki wbR¯^ gy`ªvq cwi‡kva‡hvM¨| Puv`v g~jZ AvBGgGd Gi AbyK‚‡j cÖwgmwi †bvU Bmy¨i gva¨‡g cwi‡kva Kiv nq Ges evwK As‡ki GKwU Ask msiw¶Z m¤ú‡`i gva¨‡g, GKwU Ask evsjv‡`k miKv‡ii gva¨‡g Ges GKwU Ask GB e¨vsK KZ…©K cwiPvwjZ AvBGgGd wnmv‡ei gva¨‡g cwi‡kvwaZ nq|
m`m¨‡`i †KvUvi Dci wfwË K‡i AvBGgGd KZ… ©K Gi m`m¨‡`i g‡a¨ GmwWAvi eivÏ Kiv nq| evsjv‡`k e¨vsK Zvi eivÏK…Z GmwWAvi Gi Dci my` cÖ`vb K‡i Ges Zvi aviYK…Z GmwWAvi Gi Dci my` cÖvc¨ nq|
30 GwcÖj 2015 Zvwi‡L AvBGgGd evsjv‡`wk gy`ªvi (UvKvi) wecix‡Z GmwWAvi‡K cybg~©j¨vwqZ K‡i‡Q| GKBfv‡e AvBGgGd mswkøó m¤ú` I `vqmg~n 30 Ryb 2015 Zvwi‡Li wewbgq nvi Abyhvqx UvKvq iƒcvšÍi Kiv n‡q‡Q| (GK UvKv mgvb UvKv 0.00913 GmwWAvi Abyhvqx iƒcvšÍiK…Z)
7 ¯^Y© I †iŠc¨
¯^Y© †iŠc¨ †gvU
e¨vs‡Ki gvwjKvbvaxb 443,112.24 Uªq AvDÝ ¯^Y© Ges 185,115.91 Uªq AvDÝ †iŠc¨ Av‡Q|
8 ¯^Y© msμvšÍ †jb‡`b n‡Z D™¢‚Z `vwe
DwjøwLZ w¯’wZ ÷¨vÛvW© PvU©vW e¨vsK, jÛb Ges GBPGmwewm, jÛb Gi wbKU 3 †_‡K 12 gvm †gqvw` ¯^Y© F‡Yi wecix‡Z `vwei g~j¨ wb‡`©k K‡i| ¯^Y©mg~n e¨vsK Ae Bsj¨vÛ, jÛ‡b iwÿZ Av‡Q|
9 ˆe‡`wkK gy`ªvq e¨vsK‡K cÖ`Ë FY
BwWGd Wjvi wewb‡qvM †m›Uªvj e¨vsK Ae BivK iƒcvwj e¨vsK KivwP ev` t cÖ`Ë FY n‡Z D™¢‚Z m¤¢ve¨ ÿwZi Rb¨ ms¯’vb †gvU
G AiƒcvšÍi‡hvM¨ wnmvewU 1979 mv‡j evsjv‡`k e¨vs‡Ki Aby‡iv‡a †Lvjv nq, hvi D‡Ïk¨ wQj Avgv‡`i ¯^vaxbZv c~e©eZ©x Amgwš^Z wKQz ißvwb we‡ji mgš^q mvab| G wnmv‡ei g~jab †cÖiY, ¯’vbvšÍi wKsev iƒcvšÍi‡hvM¨ bq| wKš‘ †÷U e¨vsK Ae cvwK¯’v‡bi wbqg-bxwZ cwicvjb Ges U¨v· cwi‡kva mv‡c‡ÿ Gi my` ¯’vbvšÍi‡hvM¨|
6,188,335 226,328
6,414,663
24,982,543 301,135
25,283,678
34,181,082 19,451,963
151
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
80 6,680,385 6,680,465
80 4,595,173 4,595,253
24,354,400 86,850,000
- -
1,085,185 112,289,585
- 131,510,000
- 2,327,168
35,024,775 168,861,943
303,316 14,162,281
18,390 14,483,987
516,415 810,184 29,825
1,356,424
303,316 18,390
321,706
516,415 29,825
546,240
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
2015 UvKv '000
2014 UvKv '000
10 ˆe‡`wkK gy`ªvq Ab¨vb¨ Avw_©K m¤ú`
myBdU& †kqvi cÖvcÖ¨ my` †gvU
10.K e¨vsK myBdU& Gi m`m¨ wn‡m‡e Gi GKwU †kqvi μq K‡i‡Q hvi AwfwnZ g~j¨ 80,474.57 UvKvi mgZzj¨|
10.L cÖvc¨ my` n‡jv ˆe‡`wkK e¨vs‡K ¯^í‡gqvw` w¯’wZ, ˆe‡`wkK eÛ, BwWGd wewb‡qvM Ges ¯^Y© wewb‡qvM n‡Z cÖvc¨ my`|
11 mgwš^Z UvKv K‡qb Ges bM` w¯’wZ
UvKv K‡qb bM` w¯’wZ (GmwcwmweGj) bM` w¯’wZ (Avjv`v) †gvU
11.01 UvKv K‡qb Ges bM` w¯’wZ
UvKv K‡qb bM` w¯’wZ †gvU
miKv‡ii wbKU n‡Z μqK…Z Ges e¨vsK KZ…©K aviYK…Z wKš‘ Bmy¨K…Z bq Giƒc GK I `yB UvKvi †bvU I avZe gy`ªv, SPCBL (mvewmwWqvwi) KZ…©K aviYK…Z bM` Ges †mvbvjx e¨vsK wjt, gqgbwmsn Awd‡m bM` Rgv AwfwnZ g~‡j¨ e¨vsK w¯’wZi bM` I bM` mgZz‡j¨ AšÍfz©³ i‡q‡Q|
12 cybtweμq Pzw³i AvIZvq μqK…Z wmwKDwiwUR
hLb evwYwR¨K e¨vsKmg~n †Kvb Avw_©K m¤ú` evsjv‡`k e¨vs‡Ki wbKU weμq K‡i Ges GKB mv‡_ H m¤ú` fwel¨‡Z †Kvb Zvwi‡L wbw`©ó `v‡g cybtμ‡qi Pzw³ K‡i Zv MÖæ‡ci FY wn‡m‡e †`Lv‡bv nq Ges Avw_©K weeiYx‡Z Zv †`Lv‡bv nq bv| w¯’wZc‡Îi Zvwi‡L cybtweμq Pzw³i AvIZvq μqK…Z †Kvb wmwKDwiwUR wQj bv|
13 evsjv‡`k miKvi‡K cÖ`Ë FY
Dcvq I DcKiY AvMvg IfviWªvd&U-eøK IfviWªvd&U-PjwZ †UªRvwi wej †UªRvwi eÛ †gvU
- 980,000
152
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
5,795,000 12,000,000 17,795,000
6,505,000 500,000
7,005,000
5,795,000 462,501
7,452 4,134
6,269,086
6,505,000 1,868,910
7,452 4,110
8,385,472
5.25%6.25%5.39%
5.25%6.25%6.85%
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
2015 UvKv '000
2014 UvKv '000
MZ 7 †m‡Þ¤^i 2014 Zvwi‡L miKvi IfviWªvd&U-eøK wnmv‡e 44,660.00 wgwjqb UvKvi FY cwi‡kva K‡i‡Q| d‡j eZ©gvb eQ‡i evwl©K cwiKíbvi 15,000.00 wgwjqb UvKv FY cwi‡kva Kiv nqwb|
eQie¨vcx Dcvq I DcKiY AvMvg, IfviWªvd&U-eøK I IfviWªvd&U-PjwZ wn‡m‡ei Dci Av‡ivwcZ my`nvit
Dcvq I DcKiY AvMvg IfviWªvd&U-PjwZ IfviWªvd&U-eøK
14 ¯’vbxq gy`ªvq mgwš^Z wewb‡qvM
FYcÎ (wW‡eÂvi) - nvDR wewìs dvBb¨vÝ K‡c©v‡ikb (†bvU- 14.M) gy`ªv evRv‡i ¯^í‡gqvw` wewb‡qvM (†bvU- 14.K) †kqvi-AvBwmwe Bmjvgx e¨vsK (†bvU- 14.N) Ab¨vb¨ †gvU
14.01 ¯’vbxq gy`ªvq wewb‡qvM
FYcÎ (wW‡eÂvi) - nvDR wewìs dvBb¨vÝ K‡c©v‡ikb (†bvU- 14.M) mvewmwWqvwi‡Z wewb‡qvM (†bvU 14.L) †gvU
14.K GwU GmwcwmweGj KZ…©K ¯’vbxq wewfbœ evwYwR¨K e¨vs‡K wewb‡qvMK…Z †gqvw` Avgvb‡Zi †gvU cwigvY wb‡`©k K‡i|
14.L mvewmwWqvwi‡Z wewb‡qvM
w` wmwKDwiwU wcÖw›Us Ki‡cv‡ikb (evsjv‡`k) wjt (ÒGmwcwmweGjÓ) evsjv‡`k e¨vs‡Ki m¤ú~Y© gvwjKvbvaxb mvewmwWqvwi cÖwZôvb| e¨vsK KZ…©K 12 b‡f¤^i 2014 Zvwi‡L ewa©Z 11,500,000.00 nvRvi UvKv g~jab †hvMvb †`qvi ci GmwcwmweGj Gi †gvU cwi‡kvwaZ g~jab `uvwo‡q‡Q 12,000,000.00 nvRvi UvKv| 30 Ryb 2014 A_©eQi †k‡l GmwcwmweGj jf¨vsk wn‡m‡e 25 wgwjqb UvKv †NvlYv K‡i cwi‡kva K‡i‡Q|
14.M e¨vsK KZ… ©K μqK…Z nvDR wewìs dvBb¨vÝ Ki‡cv‡ikb Gi wewfbœ mg‡q Bmy¨K…Z FYcÎmg~n FY (wW‡eÂvi)-GBPweGdwm Gi cwigvY wb‡`©k K‡i|
30 Ryb 2015 Zvwi‡Li w¯’wZ my` nvi2,680,000 3,015,000
100,000 5,795,000
4.5% 5%
2.75%
153
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
14.N 2 AvM÷ 2007 Zvwi‡Li evsjv‡`k e¨vs‡Ki mvKz©jvi bs - weAviwcwW(Avi-1) 651/9(10)/2007-446 Abyhvqx GmwcwmweGj AvBwmwe Bmjvgx e¨vsK wjt (c~‡e©Kvi Iwi‡q›Uvj e¨vsK wjt) Gi 10.00 UvKv AwfwnZ g~‡j¨i 7,45,200 †kqv‡ii gvwjK|
15 e¨vsK, Avw_©K cÖwZôvbmg~n I Kg©KZ©v‡`i cÖ`Ë mgwš^Z AvMvg
(K) e¨vsK I Avw_©K cÖwZôvbmg~n‡K cÖ`Ë AvMvg
ivóª gvwjKvbvaxb e¨vsK
evwYwR¨K e¨vsK we‡klvwqZ e¨vsK*
ev`t Bg‡cqvi‡g‡›Ui Rb¨ ms¯’vb (†bvU-15.A)
Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvb
e¨w³ gvwjKvbvaxb e¨vsK Ab¨vb¨ FY I AvMvg
cÖvc¨ my` †gvU (K)
(L) ¯’vbxq gy`ªvq Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë FY I AvMvg
Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë FY I AwMÖg FY I AwMÖg Gi wecix‡Z ms¯’vb (Provision) (†bvU-15.Av) †gvU (L) †gvU FY (K+L)
15.01 ¯’vbxq gy`ªvq e¨vsK, Avw_©K cÖwZôvb I Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë FY
(K) ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôvbmg~n‡K cÖ`Ë FY
ivóª gvwjKvbvaxb e¨vsK
evwYwR¨K e¨vsK we‡klvwqZ e¨vsK*
Bg‡cqvi‡g‡›Ui Rb¨ ms¯’vb (†bvU 15.A)
4,105,182 39,719,785 43,824,967
(206,952) 43,618,015
2,634,900 28,601,184 31,236,084 7,595,016
82,449,115
27,750,850 (495,271)
27,255,579 109,704,694
4,105,182 39,719,785 43,824,967
(206,952) 43,618,015
4,963,167 33,362,448 38,325,615
(140,426) 38,185,188
3,019,500 26,172,779 29,192,279 8,429,740
75,807,208
31,782,362 (549,357)
31,233,004 107,040,212
4,963,167 33,362,448 38,325,615
(140,426) 38,185,188
2015 UvKv '000
2014 UvKv '000
154
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
2,634,900 28,601,184 31,236,084 7,595,016
82,449,115
26,674,233 (495,271)
26,178,962 108,628,077
3,019,500 26,172,779 29,192,279 8,429,740
75,807,208
30,655,637 (549,357)
30,106,279 105,913,487
226,117 140,426
(159,591) 206,952
264,099 231,172 495,271
206,952 -
(66,525) 140,427
495,271 54,086
549,357
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvbmg~n
e¨w³ gvwjKvbvaxb e¨vsK Ab¨vb¨ FY I AvMvg
cÖvc¨ my` †gvU (K)
(L) ¯’vbxq gy`ªvq Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë FY I AvMvg
Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë FY I AwMÖg FY I AwMÖg Gi wecix‡Z ms¯’vb (Provision) (†bvU-15.Av) †gvU (L) †gvU FY (K+L)
* we‡klvwqZ e¨vsK ej‡Z wb¤œewY©Z †m mKj e¨vsK‡K †evSvq †h¸‡jv A_©bxwZi wewfbœ kvLvq wbw`©ó Pvwn`v c~iY msμvšÍ †mev cÖ`vb K‡i _v‡K t
15.A Bg‡cqvi‡g‡›Ui Rb¨ ms¯’vb
cÖviw¤¢K w¯’wZ eQi Ry‡o cwieZ©b eQi Ry‡o Qvo †gvU
15.Av FY n‡Z D™¢‚Z ÿwZ c~i‡Yi Rb¨ ms¯’vb
cÖviw¤¢K w¯’wZ eQi Ry‡o cwieZ©b †gvU
Bg‡cqvi‡g‡›Ui Rb¨ mwÂwZ GK ai‡bi m¤úwË wnmve hv my` Av‡ivwcZ nqbv Ggb FY Gi Dci my` Avq bv nIqv RwbZ ÿwZ n«vmKi‡Yi Rb¨ iwÿZ nq| QvoK…Z (wegy³K…Z) cwigvY g~jZ cybtZdwmwjK…Z wWgvÛ †jv‡bi wecix‡Z iwÿZ mwÂwZi ivBU e¨vKK…Z Ask|
e¨vsKmg~nevsjv‡`k K…wl e¨vsKivRkvnx K…wl Dbœqb e¨vsKevsjv‡`k mgevq e¨vsK wjwg‡UW
we‡klvwqZ LvZmg~nK…wlK…wlK…wl
2015 UvKv '000
2014 UvKv '000
155
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
929,682 215,532
1,145,214
929,682 929,682
169,283 362,365 531,648
169,283 169,283
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
FY ÿwZi Rb¨ mwÂwZI GK ai‡bi m¤úwË wnmve hv Kg©Pvix AvMv‡gi my‡`i KzFY mgš^‡qi Rb¨ iwÿZ nq|
16 ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`-mgwš^Z
cÖvc¨my` (evsjv‡`k e¨vsK) cÖvc¨my` (GmwcwmweGj) †gvU
16.01 ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`
cÖvc¨my` †gvU
cÖvc¨ my‡` miKvwi †UªRvwi e‡Ûi Dci cÖvc¨ my`, GBPweGdwm Gi FY c‡Îi Dci cÖvc¨ my` Ges †WU g¨v‡bR‡g›U wWcvU©‡g›U I G·‡cwÛPvi g¨v‡bR‡g›U wWcvU©‡g›U Gi †`bv`vi mgš^q wnmve AšÍf©y³|
2015 UvKv '000
2014 UvKv '000
156
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
Rwg †gvUiMvwo
PjwZKvh©
g~jab†gvUˆe`y¨wZK
¯’vcbvM¨vm¯’vcbv
Kw¤úDUviI
†bUIqvwK©s
febI Ab¨vb¨¯’vcbv
hvwš¿KmiÄvgvw` weeiY
AvmeveI
miÄvgvw`
UvKv '000
g~j¨01/07/14 Zvwi‡Li w¯’wZ PjwZ eQ‡ii ms‡hvRb PjwZ eQ‡ii ¯’vbvšÍi PjwZ eQ‡ii we‡qvRb 30 Ryb 2015
AePq mwÂwZ01/07/14 Zvwi‡L AePq mwÂwZ PjwZ eQ‡i avh©K…Z AePq PjwZ eQ‡ii we‡qvRb 30 Ryb 2015
wbU ewn g~j¨30 Ryb 201530 Ryb 2014
30 Ryb 2014 Zvwi‡L e¨vsK Gi f‚wg Ges miÄvg, ¯’vcbv Ges hš¿cvwZi Ab¨ `dvmg~n 1 RyjvB 2009 Zvwi‡L 1 Rb ¯^Zš¿ g~j¨ wbiƒcK KZ©„K cybg~©j¨vqb Kiv nq| mvewmwWqvwi cÖwZôv‡bi miÄvg, ¯’vcbv Ges hš¿cvwZi cybg©~j¨vqb Kiv nq 1 RyjvB 2013 Zvwi‡L| [†bvU bs t 3.13(L)]
Rwgi g‡a¨ BRvivK…Z Rwg eve` 27,539 wgwjqb UvKv AšÍfz©³ i‡q‡Q hvi Pzw³Kvj 99 eQi †gqvw`|
†h‡nZz e¨vs‡Ki Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ m¤úwË wn‡m‡e wPwýZKiY Ges cwigvcb bxwZgvjv eZ©gv‡b cybtwe‡ePbvaxb i‡q‡Q ZvB 2009 m‡bi ci e¨vs‡Ki f‚-m¤úwË e¨ZxZ Ab¨vb¨ Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ cybg~©j¨vqb Kiv nqwb|
36,551,304 - - -
36,551,304
- - - -
36,551,304 36,551,304
1,681,243 118,830
- (2,128)
1,797,945
989,711 333,895
(1,343) 1,322,263
475,682 691,532
158,129 18,489
- (165)
176,453
75,411 13,894
(78) 89,227
87,226 82,718
241,289 3,586
- (1,847)
243,028
134,134 36,905 (1,847)
169,192
73,836 107,155
216,021 16,053 37,020
(114) 268,980
94,432 35,884
(112) 130,204
138,776 121,589
811 1,205
- -
2,016
796 202
- 998
1,018 15
1,580,747 340,454 (294,611)
- 1,626,590
- - - -
1,626,590 1,580,747
49,362,645 607,555
- (9,775)
49,960,425
2,921,823 893,259
(5,085) 3,809,997
46,150,428 46,440,822
4,829,898 10,296
228,753 (5,102)
5,063,845 4257227
938,987 253,445
(1,314) 1,191,118
3,872,727 3,890,911
4,103,203 98,642 28,838
(419) 4,230,264
688,352 219,034
(391) 906,995
3,323,269 3,414,851
17 mgwš^Z m¤úwË, ¯’vcbv I miÄvgvw` (K) 2015
157
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
g~j¨01/07/13 Zvwi‡Li w¯’wZ PjwZ eQ‡ii ms‡hvRb g~j¨vqbRwbZ jvf/(ÿwZ) PjwZ eQ‡ii ¯’vbvšÍi PjwZ eQ‡ii we‡qvRb 30 Ryb 2014
AePq mwÂwZ1 RyjvB 2013 Zvwi‡L AePq mwÂwZ PjwZ eQ‡i avh©K…Z AePq PjwZ eQ‡ii we‡qvRb 30 Ryb 2014
wbU ewn g~j¨30 Ryb 2014 30 Ryb 2013
30 Ryb 2009 Zvwi‡L e¨vsK Gi f‚wg Ges miÄvg, ¯’vcbv Ges hš¿cvwZi Ab¨ `dvmg~n 1 RyjvB 2009 Zvwi‡L 1 Rb ¯^Zš¿ g~j¨ wbiƒcK KZ…©K cybg~©j¨vqb Kiv nq|
Rwgi g‡a¨ BRvivK…Z Rwg eve` 17080 wgwjqb UvKv AšÍfz©³ i‡q‡Q hvi Pzw³Kvj 99 eQi †gqvw`|
21,369,423 189,673
14,992,208 - -
36,551,304
- - - -
36,551,304 21,369,423
1,571,693 109,729
77,185 (77,364)
1,681,243
664,772 324,939
- 989,711
691,532 906,921
153,163 15,717
- (10,751) 158,129
67,454 12,510 (4,553) 75,411
82,718 85,709
231,548 28,546
- (18,805) 241,289
92,075 43,414 (1,355)
134,134
107,155 139,473
122,370 69,403
24,249 (1)
216,021
65,315 29,117
- 94,432
121,589 57,055
811 -
- -
811
634 162 -
796
15 177
1,513,391 360,979
(293,623) -
1,580,747
- - - -
1,580,747 1,513,391
32,916,033 1,002,492
15,554,285 -
(110,165) 49,362,645
3,675,428 859,330
(1,612,935) 2,921,823
46,440,822 29,240,605
4,213,240 37,438
427,038 155,426 (3,244)
4,829,898
1,160,200 241,230
(462,443) 938,987
3,890,911 3,053,040
3,740,394 191,007 135,039 36,763
- 4,103,203
1,624,978 207,958
(1,144,584) 688,352
3,414,851 2,115,416
Rwg †gvUiMvwo
PjwZKvh©
g~jab†gvUˆe`y¨wZK
¯’vcbvM¨vm¯’vcbv
Kw¤úDUviI
†bUIqvwK©s
febI Ab¨vb¨¯’vcbv
hvwš¿KmiÄvgvw` weeiY
AvmeveI
miÄvgvw`
UvKv '000(L) 2014
158
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
g~j¨01/07/14 Zvwi‡Li w¯’wZ PjwZ eQ‡ii ms‡hvRb PjwZ eQ‡ii ¯’vbvšÍi PjwZ eQ‡ii we‡qvRb 30 Ryb 2015
AePq mwÂwZ01/07/14 Zvwi‡L AePq mwÂwZ PjwZ eQ‡i avh©K…Z AePq PjwZ eQ‡ii we‡qvRb 30 Ryb 2015
wbU ewn g~j¨30 Ryb 201530 Ryb 2014
30 Ryb 2014 Zvwi‡L e¨vsK Gi f‚wg Ges miÄvg, ¯’vcbv Ges hš¿cvwZi Ab¨ `dvmg~n 1 RyjvB 2009 Zvwi‡L 1 Rb ¯^Zš¿ g~j¨ wbiƒcK KZ©„K cybg~©j¨vqb Kiv nq|
Rwgi g‡a¨ BRvivK…Z Rwg eve` 27,539 wgwjqb UvKv AšÍfz©³ i‡q‡Q hvi Pzw³Kvj 99 eQi †gqvw`|
†h‡nZz e¨vs‡Ki Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ m¤úwË wn‡m‡e wPwýZKiY Ges cwigvcb bxwZgvjv eZ©gv‡b cybtwe‡ePbvaxb i‡q‡Q ZvB 2009 m‡bi ci e¨vs‡Ki f‚-m¤úwË e¨ZxZ Ab¨vb¨ Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ cybg~©j¨vqb Kiv nqwb|
32,892,704
32,892,704
- - - -
32,892,704 32,892,704
1,681,243 118,830
(2,128) 1,797,945
989,711 333,896
(1,344) 1,322,263
475,682 691,532
119,475 18,436
(165) 137,746
42,157
12,850 (78)
54,930
82,816 77,318
216,702 3,586
220,288
116,186 35,427
- 151,613
68,675 100,516
216,021 16,053 37,020
(114) 268,980
94,432 35,886
(113) 130,204
138,776 121,589
811 1,205
2,016
796 203
- 999
1,017 15
1,578,493 288,281
(292,357)
1,574,417
- - - -
1,574,417 1,578,493
41,359,546 504,394
- (7,928)
41,856,012
2,658,761 691,977
(3,241) 3,347,497
38,508,515 38,700,785
3,621,579 6,606
228,753 (5,102)
3,851,836
881,406 195,495
(1,314) 1,075,587
2,776,249 2,740,173
1,032,518 51,397 26,584
(419) 1,110,080
534,073 78,219
(392) 611,900
498,180 498,445
17.01 m¤úwË, ¯’vcbv I miÄvgvw`
Rwg †gvUiMvwo
PjwZKvh©
g~jab†gvUˆe`y wZK
¯’vcbvM¨vm¯’vcbv
Kw¤úDUviI
†bUIqvwK©s
febI Ab¨vb¨¯’vcbv
hvwš¿KmiÄvgvw` weeiY
AvmeveI
miÄvgvw`
UvKv '000(K) 2015
159
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
g~j¨01/07/13 Zvwi‡Li w¯’wZ PjwZ eQ‡ii ms‡hvRb g~j¨vqbRwbZ jvf/(ÿwZ) PjwZ eQ‡ii ¯’vbvšÍi PjwZ eQ‡ii we‡qvRb 30 Ryb 2014
AePq mwÂwZ01/07/13 Zvwi‡L AePq mwÂwZ PjwZ eQ‡i avh©K…Z AePq PjwZ eQ‡ii we‡qvRb 30 Ryb 2014
wbU ewn g~j¨30 Ryb 2014 30 Ryb 2013
30 Ryb 2014 Zvwi‡L e¨vsK Gi f‚wg Ges miÄvg, ¯’vcbv Ges hš¿cvwZi Ab¨ `dvmg~n 1 RyjvB 2009 Zvwi‡L 1 Rb ¯^Zš¿ g~j¨ wbiƒcK KZ…©K cybg~©j¨vqb Kiv nq|
Rwgi g‡a¨ BRvivK…Z Rwg eve` 17,080 wgwjqb UvKv AšÍfz©³ i‡q‡Q hvi Pzw³Kvj 99 eQi †gqvw`|
†h‡nZz e¨vs‡Ki Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ m¤úwË wn‡m‡e wPwýZKiY Ges cwigvcb bxwZgvjv eZ©gv‡b cybtwe‡ePbvaxb i‡q‡Q ZvB 2009 mv‡ji ci e¨vs‡Ki f‚-m¤úwË e¨ZxZ Ab¨vb¨ Ôm¤úwË, ¯’vcbv Ges miÄvgvw`Õ cybg~©j¨vqb Kiv nqwb|
20,391,193 189,673
12,311,838 - -
32,892,704
- - - -
32,892,704 20,391,193
1,571,693 109,729
- 77,185
(77,364) 1,681,243
664,772 324,939
- 989,711
691,532 906,921
114,802 15,424
- -
(10,751) 119,475
35,234 11,476 (4,553) 42,157
77,318 79,568
214,337 21,170
- -
(18,805) 216,702
75,112 42,429 (1,355)
116,186
100,516 139,225
122,370 69,403
- 24,249
(1) 216,021
65,315 29,117
- 94,432
121,589 57,055
811 - - - -
811
634 162 -
796
15 177
1,512,152 358,725
- (292,384)
- 1,578,493
- - - -
1,578,493 1,512,152
28,197,458 960,415
12,311,838 -
(110,165) 41,359,546
2,005,236 660,613 (7,088)
2,658,761
38,700,785 26,192,222
3,433,198 37,438
- 154,187 (3,244)
3,621,579
698,937 183,649
(1,180) 881,406
2,740,173 2,734,261
836,902 158,853
- 36,763
- 1,032,518
465,232 68,841
- 534,073
498,445 371,670
Rwg †gvUiMvwo
PjwZKvh©
g~jab†gvUˆe`y¨wZK
¯’vcbvM¨vm¯’vcbv
Kw¤úDUviI
†bUIqvwK©s
febI Ab¨vb¨¯’vcbv
hvwš¿KmiÄvgvw` weeiY
AvmeveI
miÄvgvw`
UvKv '000(L) 2014
160
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
18 A¯úk©bxq m¤ú`
A¯úk©bxq m¤ú‡`i μq g~j¨ cyÄxf‚Z AePq PjwZ g~jab †gvU
Dc‡ivwjøwLZ w¯’wZ G›UvicÖvBR wi‡mv‡m©m cø¨vwbs, †Kvi e¨vswKs mdU&Iq¨vi, G›UvicÖvBR WvUvIq¨vi nvDR, evsjv‡`k A‡Uv‡g‡UW wK¬qvwis nvDR, evsjv‡`k B‡jKUªwbK dvÛ UªvÝdvi †bUIqvK©, †μwWU Bbdi‡gkb ey¨‡iv Ges e¨vs‡Ki wbR¯^ cÖ¯‘ZK…Z mdU&Iq¨vi Gi mgwš^Z g~j¨ wb‡`©k K‡i|
19 mgwš^Z Ab¨vb¨ A-Avw_©©K m¤ú`
AwMÖg cwi‡kva I AvMvg gRy` wewea †`bv`vi †gvU
19.01 Ab¨vb¨ A-Avw_©©K m¤ú`
AwMÖg cwi‡kva I AvMvg gRy` †gvU
20 ˆe‡`wkK gy`ªvq e¨vsK I Avw_©K cÖwZôvb Rgv
e‡`wkK gy`ªvq evwYwR¨K e¨vs‡K Rgv Gwkqvb wK¬qvwis BDwbqb (AvKz) cÖ‡`q my` (AvKz) †gvU
21 Pvjy †bvU
Pvjy †bvU e¨vsK †bv‡Ui Rgv w¯’wZ †gvU
Pvjy †bvU ej‡Z evsjv‡`k e¨vs‡Ki Dci `vwe‡hvM¨ Pvjy †bvU‡K †evSv‡bv n‡q‡Q|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
1,183,974 (865,368) 126,573 445,179
1,178,358 (623,255) 123,139 678,242
1,144,229 6,986,234 1,007,415 9,137,878
924,283 4,891,562
592,000 6,407,845
4,127,278 31,303
4,158,581
3,772,413 27,692
3,800,104
973,633,537 (88)
973,633,449
847,170,638 (38)
847,170,600
78,892,716 70,261,285
5,930 149,159,932
74,802,048 75,093,095
2,393 149,897,535
2015 UvKv '000
2014 UvKv '000
161
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
30 Ryb 2015 Zvwi‡L Pvjy †bv‡Ui g~j¨gvbmg~n wb¤œiƒc t
†bv‡Ui g~j¨gvb
5 UvKvi K‡qb 5 UvKvi †bvU 10 UvKvi †bvU 20 UvKvi †bvU 50 UvKvi †bvU 100 UvKvi †bvU 500 UvKvi †bvU 1000 UvKvi †bvU †gvU
Pvjy †bv‡Ui wecix‡Z `vq w¯’wZc‡Î Zv‡`i AwfwnZ g~‡j¨ †`Lv‡bv n‡q‡Q| evsjv‡`k e¨vsK AW©vi, 1972 Gi aviv 30 Abyhvqx G mKj `v‡qi wecix‡Z we`¨gvb m¤ú` wb‡¤œ †`Lv‡bv n‡jv t
¯^Y© †iŠc¨ Aby‡gvw`Z ˆe‡`wkK gy`ªvq iwÿZ w¯’wZ evsjv‡`k miKv‡ii FYcÎ evsjv‡`wk avZe gy`ªv Ab¨vb¨ FY I AwMÖg †gvU
22 e¨vsK I Avw_©K cÖwZôv‡bi Rgv
ivóª gvwjKvbvaxb evwYwR¨K e¨vsKmg~n miKvwi we‡klvwqZ e¨vsKmg~n e¨w³ gvwjKvbvaxb e¨vsKmg~n we‡`wk e¨vsKmg~n Avw_©K cÖwZôvbmg~n †gvU
e¨vsK I Avw_©K cÖwZôv‡bi Rgvi g‡a¨ wewae× Rgv AšÍf©y³ i‡q‡Q hv e¨vsK I Avw_©K cÖwZôvbmg~‡ni `v‡qi Dci 6.5% (2014 t 6.5%) nv‡i wbY©q Kiv nq, D³ `v‡qi mv‡_ `vq wb®úwËi D‡Ï‡k¨ ivLv w¯’wZI i‡q‡Q|
23 ¯^í‡gqvw` †`bv
cybtμq Pzw³‡Z wmwKDwiwUR weμq evsjv‡`k e¨vsK wej †gvU
cybtμq Pzw³‡Z wewμZ wmwKDwiwUR I evsjv‡`k e¨vsK wej n‡jv †mB nvwZqvi †h¸‡jv e¨vsK KZ…©K evRvi †_‡K AwZwi³ A_© Zz‡j †bqvi Rb¨ e¨eüZ nq| eQiv‡šÍ cÖ`wk©Z w¯’wZ D³ Zvwi‡L evRv‡ii Ae¯’v‡K wb‡`©k K‡i|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 ZvwiL I mgvß eQ‡ii
6,188,335 226,328
870,000,000 67,036,120
303,316 29,879,438
973,633,537
6,134,183 301,135
800,000,000 10,214,848
516,415 30,004,057
847,170,638
166,350,000 14,371,995
180,721,995
37,930,000 19,734,690 57,664,690
123,192,501 15,436,474
333,584,536 26,183,067 4,620,696
503,017,274
102,556,236 22,205,015
288,472,651 26,743,289 3,804,812
443,782,003
3,977,936 3,869,281
12,624,789 8,305,738 8,981,646
70,750,012 443,373,444 421,750,690 973,633,537
3,803,145 3,547,743
12,743,266 7,159,252 8,400,687
68,930,841 424,240,371 318,345,333 847,170,638
795,587,204 773,856,189
1,262,478,936 415,286,916 179,632,928 707,500,119 886,746,888 421,750,690
5,442,839,870
†bvU msL¨v UvKvq 000 UvKvq 0002015 2014
162
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
24 mgwš^Z ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq
miKvwi Rgv Ab¨vb¨ Rgv* (†bvU 24.02) e¨vsK †bvU mgš^q wnmve - APj cvwK¯Ívwb †bvU wewea cvIbv`vi wnmve ¯’wMZ my` wnmve `vZv ms¯’vmg~‡ni Rgv AvšÍtAwdm mgš^q (¯’wMZ) ¶z`ª wkí wewb‡qvMKvix‡`i Rb¨ FY wbðqZv w¯‹g †cbk‡bi Rb¨ mwÂwZ** MÖvPy¨BwUi Rb¨ mwÂwZ** QywU bM`vq‡bi Rb¨ mwÂwZ ÿz`ª I gvSvwi wkí Znwej - miKvi evsjv‡`k miKv‡ii wbKU n‡Z FY (wmweGmwc) (†bvU-24.03) wWGdAvBwW-Aviwcwc cÖ‡R± ÿz`ª I gvSvwi wkí Znwej - GwWwe-2 wejw¤^Z Ki `vq wewea Ab¨vb¨ - mvewmwWqvwi †kqvi evRv‡i ÿwZMÖ¯Í ÿz`ª wewb‡qvMKvix‡`i Rb¨ Znwej †gvU
24.01 ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq
miKvwi Rgv Ab¨vb¨ Rgv* (†bvU 24.K) e¨vsK †bvU mgš^q wnmve - APj cvwK¯Ívwb †bvU wewea cvIbv`vi wnmve ¯’wMZ my` wnmve `vZv ms¯’vmg~‡ni Rgv AvšÍtAwdm mgš^q (¯’wMZ) ¶z`ª wkí wewb‡qvMKvix‡`i Rb¨ FY wbðqZv w¯‹g †cbk‡bi Rb¨ mwÂwZ* MÖvPy¨BwU Gi Rb¨ mwÂwZ* QywU bM`vq‡bi Rb¨ mwÂwZ ÿz`ª I gvSvwi wkí Znwej - miKvi evsjv‡`k miKv‡ii wbKU n‡Z FY - wmweGmwc (†bvU-24.L) wWGdAvBwW-Aviwcwc cÖ‡R± ÿz`ª I gvSvwi wkí Znwej - GwWwe-2 wewea †kqvi evRv‡i ÿwZMÖ¯Í ÿz`ª wewb‡qvMKvix‡`i Rb¨ Znwej †gvU
* we¯ÍvwiZ 51 bs †bv‡U D‡jøL i‡q‡Q|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
5,033 121,568,330
3,230 4,222,001
732 22,337,551
(211,897) 248,808
6,618,747 1,470,184 1,534,606 1,772,064 2,721,734
137,029 7,332,907 1,133,504
521,144 1,421,567 1,043,971
173,881,247
41,199,148 104,206,158
3,230 2,983,413
715 21,422,994
437,732 248,808
5,738,714 1,553,726 1,664,214 1,772,064 2,764,580
391,272 6,667,569
594,810 456,806
1,210,821 -
193,316,773
5,033 121,568,330
3,230 4,222,919
732 22,337,551
(211,897) 248,808
6,618,747 1,470,184 1,534,606 1,772,064 2,721,734
137,029 7,332,907
521,144 1,043,971
171,327,094
41,199,148 104,206,158
3,230 4,290,128
715 21,422,994
437,732 248,808
5,738,714 1,553,726 1,664,214 1,772,064 2,764,580
391,272 6,667,569
456,806 -
192,817,857
2015 UvKv '000
2014 UvKv '000
163
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
24.K : Ab¨vb¨ Rgvi g‡a¨ evsjv‡`k miKvi †¯úkvj BmjvwgK eÛ dvÛ wW‡cvwRU, Kg©KZ©v/Kg©Pvix‡`i †cbkb dvÛ Rgv, AemvqK e¨vsK wW‡cvwRU, Zdwmwj e¨vsK BÝy¨‡iÝ dvÛ wW‡cvwRU, wmwKDwiwU wW‡cvwRU, GgcøqxR †Kv-Acv‡iwUf †mvmvBwUR wW‡cvwRU Ges Ab¨vb¨ wewea Rgv AšÍf©y³ i‡q‡Q|
24.L Ae¨eüZ †m›Uªvj e¨vsK †÷ªs‡`wbs cÖ‡R± dvÛ (wmweGmwc)
evsjv‡`k miKvi B›Uvib¨vkbvj †W‡fjc‡g›U G‡RwÝ (AvB.wW.G) Gi mv‡_ GKwU cÖ‡R‡±i AbyK‚‡j GKwU FYPyw³ K‡i †h cÖ‡R±wU †m›Uªvj e¨vsK †÷ªs‡`wbs cÖ‡R± (wmweGmwc) bv‡g cwiwPZ| mswkøó FY bs n‡jv AvBwWG 3792 wewW Ges cÖ‡R‡±i D‡Ïk¨ n‡jv ÒKvh©μg ms¯‹vi Ges Kvh©cÖwμqvq eo ai‡bi ¯^qswμq c×wZ Pvjyi gva¨‡g e¨vs‡Ki Kg©`ÿZv e„w×|Ó G Pzw³ QvovI cÖ‡R±wU ev¯Íevq‡bi wbwg‡Ë GKwU mn‡hvMx FY Pzw³ ¯^vÿwiZ nq evsjv‡`k miKvi I evsjv‡`k e¨vs‡Ki g‡a¨| G cÖK‡íi †gvU e¨q 3,892.00 wgwjqb UvKv (BDGmwW 55.60 wgwjqb) hvi g‡a¨ miKv‡ii gva¨‡g AvBwWG mieivn K‡i‡Q 3,060.04 wgwjqb UvKv (BDGmwW 43.71 wgwjqb) Aewkó 832.00 wgwjqb UvKv (BDGmwW 11.88 wgwjqb) evsjv‡`k e¨vsK KZ…©K enb Kiv n‡q‡Q| G cÖKíwU 2003 m‡bi †k‡li w`‡K ïiæ n‡qwQj Ges 2013 m‡bi 30 GwcÖj m¤úbœ n‡q‡Q|
e¨vsK‡K 30 eQ‡ii g‡a¨ D³ F‡Yi my`mn g~j Ask miKvi‡K cwi‡kva Ki‡Z n‡e| A_©eQi 2014-15 †k‡l D³ cÖ‡R‡±i wecix‡Z miKvwi wnmv‡e †`bvi cwigvY wQj 2,721.73 wgwjqb UvKv| cybtcwi‡kva Kvh©μg Avi¤¢ n‡e miKvi KZ…©K wkwWDj Ges cÖwμqv m¤úbœ nIqvi ci| 30 Ryb 2015 ch©šÍ †gvU e‡Kqv F‡Yi cwigvY uvwo‡q‡Q 100.22 wgwjqb UvKv Ges e‡Kqv mwÂwZ 110.89 wgwjqb UvKv|
25 g~jab
evsjv‡`k e¨vsK AW©vi, 1972 Abyhvqx 30 Ryb 2015 Zvwi‡L evsjv‡`k e¨vs‡Ki Aby‡gvw`Z I cwi‡kvwaZ g~jab 30 wgwjqb UvKv (30 Ryb 2014: UvKv 30 wgwjqb) Ges 4(1) I 4(2) b¤^i Aby‡”Q` Abyhvqx mgy`q g~jab miKv‡ii Kv‡Q b¨¯Í i‡q‡Q|
26 mgwš^Z cybtg~j¨vqb mwÂwZ
cybtg~j¨vqb mwÂwZ- ¯^Y© I †iŠc¨ (†bvU 26.K) cybtg~j¨vqb mwÂwZ- ˆe‡`wkK gy`ªv wnmve (†bvU 26.L) cybtg~j¨vqb mwÂwZ- m¤úwË, ¯’vcbv I miÄvgvw` (†bvU 26.M) cybtg~j¨vqb mwÂwZ- Avw_©K nvwZqvimg~n (†bvU 26.N) †gvU
26.01 cybtg~j¨vqb mwÂwZ
cybtg~j¨vqb mwÂwZ- ¯^Y© I †iŠc¨ (†bvU 26.K) cybtg~j¨vqb mwÂwZ- ˆe‡`wkK gy`ªv wnmve (†bvU 26.L) cybtg~j¨vqb mwÂwZ- m¤úwË, ¯’vcbv I miÄvgvw` (†bvU 26.M) cybtg~j¨vqb mwÂwZ- Avw_©K nvwZqvimg~n (†bvU 26.N) †gvU
26.K cybtg~j¨vqb mwÂwZ - ¯^Y© I †iŠc¨
e¨vsK ¯^Y© I †iŠ‡c¨i cybtg~j¨vqbRwbZ jvf/ÿwZ Ab¨vb¨ mgwš^Z weeiYx‡Z cÖ`k©b K‡i Ges cieZ©xKv‡j cybtg~j¨vqb mwÂwZ- ¯^Y© I †iŠc¨ bvgK Avjv`v GKwU wnmv‡e ¯’vbvšÍi K‡i hv g~ja‡bi Ask wn‡m‡e we‡ewPZ nq|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
10,652,011 14,570,195 34,474,273 4,507,599
64,204,078
15,550,641 51,091,529 34,474,273
- 101,116,443
10,652,011 14,570,195 40,474,443 4,507,599
70,204,248
15,550,641 51,091,529 40,474,443
- 107,116,613
2015 UvKv '000
2014 UvKv '000
164
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
26,663,944 26,760,236
5,600,000 5,600,000 1,300,000 2,187,852
879,194 15,567,046
5,400,000 5,400,000 1,300,000 2,037,852
879,194 15,017,046
26.L cybtg~j¨vqb mwÂwZ- ˆe‡`wkK gy`ªv wnmve
e¨vsK ˆe‡`wkK gy`ªv cybtg~j¨vqbRwbZ AbvwR©Z jvf/ÿwZ e¨vs‡Ki jvf/ÿwZ weeiYx‡Z cÖ`k©b K‡i Ges cieZ©x mg‡q cybtg~j¨vqb mwÂwZ- ˆe‡`wkK gy`ªv bvgK wnmv‡e ¯’vbvšÍi K‡i hv g~ja‡bi Ask wn‡m‡e we‡ewPZ nq|
26.M cybtg~j¨vqb mwÂwZ- m¤úwË, ¯’vcbv I miÄvgvw`
m¤úwË, ¯’vcbv I miÄvgvw`i cybtg~j¨vqbRwbZ jvf/ÿwZ e¨vsK Ab¨vb¨ mgwš^Z Avq weeiYx‡Z wnmvevqb K‡i Ges cieZ©x mg‡q cybtg~j¨vqb mwÂwZ- m¤úwË, ¯’vcbv I miÄvgvw` bvgK wnmv‡e ¯’vbvšÍi K‡i hv g~ja‡bi Ask wn‡m‡e we‡ewPZ nq|
26.N cybtg~j¨vqb mwÂwZ- Avw_©K nvwZqvimg~n
Avw_©K nvwZqvimg~‡ni cybtg~j¨vqbRwbZ jvf/ÿwZ e¨vsK Ab¨vb¨ mgwš^Z Avq weeiYx‡Z wnmvevqb K‡i Ges c‡i cybtg~j¨vqb mwÂwZ- Avw_©K nvwZqvimg~n bvgK wnmv‡e ¯’vbvšÍi K‡i hv g~ja‡bi Ask wn‡m‡e we‡ewPZ nq|
27 gy`ªvi ZviZg¨ mwÂwZ
e¨vsK ˆe‡`wkK gy`ªv cybtg~j¨vqbRwbZ DmyyjK…Z gybvdv‡K jvf/ÿwZ Ges mgwš^Z Av‡qi weeiYx‡Z AvKjb K‡i‡Q Ges GKB `dv‡K c‡i ˆe‡`wkK gy`ªv ZviZg¨ mwÂwZ bvgK Avjv`v GKwU wnmv‡e ¯’vbvšÍi K‡i‡Q †hwU g~ja‡bi Ask wn‡m‡e we‡ewPZ nq|
28 wewae× Znwej
cwjø FY Znwej (28.K) K…wl FY w¯’wZkxjKiY Znwej (28.L) ißvwb FY Znwej (28.M) wkí FY Znwej (28.N) FY wbðqZv Znwej (28.O) †gvU
wewae× Znwejmg~n evsjv‡`k e¨vsK AW©vi 1972 Gi wb‡`©kbv m~‡Î MVbc~e©K cÖwZeQi miKv‡ii civgk©μ‡g e¨vs‡Ki gybvdv n‡Z jvf Aveȇbi gva¨‡g cwiPvjbv Kiv n‡”Q|
28.K cwjø FY Znwej
evsjv‡`k e¨vsK AW©vi, 1972 Gi 60(1) aviv †gvZv‡eK mgevq e¨vsK, Zdwmwj e¨vsK Ges cwjø FY ms¯’vmg~n‡K ¯^í‡gqvw`, ga¨‡gqvw` I `xN©‡gqvw` FY I AwMÖg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j 200 wgwjqb UvKv ¯’vbvšÍi Kiv n‡q‡Q|
28.L K…wl FY w¯’wZkxjKiY Znwej
evsjv‡`k e¨vsK AW©vi, 1972 Gi 61 aviv †gvZv‡eK kxl© mgevq e¨vsKmg~n‡K FY I AwMÖg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j 200 wgwjqb UvKv ¯’vbvšÍi Kiv n‡q‡Q|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
2015 UvKv '000
2014 UvKv '000
165
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
28.M ißvwb FY Znwej
evsjv‡`k e¨vsK AW©vi, 1972 Gi 63 bs aviv †gvZv‡eK ißvwb Kvh©μ‡g mnvqZv Kivi j‡ÿ¨ Zdwmwj e¨vsKmg~n Ges Ab¨ FY`vbKvix cÖwZôvbmg~n‡K ¯^í I ga¨‡gqvw` FY I AvMvg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j †Kvb A_© ¯’vbvšÍi Kiv nqwb|
28.N wkí FY Znwej
evsjv‡`k evvsK AW©vi, 1972 Gi 62 aviv †gvZv‡eK mgevq e¨vsKmg~n‡K FY I AwMÖg cÖ`v‡bi Rb¨ G Znwej MVb Kiv n‡q‡Q| PjwZ A_©eQ‡i 150 wgwjqb UvKv G Znwe‡j ¯’vbvšÍi Kiv n‡q‡Q|
28.O FY wbðqZv Znwej
evsjv‡`k e¨vsK AW©vi, 1972 Gi 16 bs avivi 24 bs Dcaviv †gvZv‡eK cwiPvjK cl©‡`i wm×všÍ Abyhvqx Zdwmwj e¨vsKmg~‡ni KzwUi wk‡í ¶z`ª FY cÖ`v‡bi Kvi‡Y m„ó Avw_©K ¶wZ cybf©i‡Yi Rb¨ cÖwZ eQ‡ii gybvdv n‡Z A_© ¯’vbvšÍ‡ii gva¨‡g G Znwej MVb Kiv n‡q‡Q| PjwZ Avw_©K eQ‡i G Znwe‡j †Kvb A_© ¯’vbvšÍi Kiv nqwb|
29 A-wewae× mwÂwZ
ÿz`ª I gvSvwi wkí Znwej (†bvU 29.K) M„nvqY cybtA_©vqb Znwej gvbe m¤ú` Dbœqb Znwej (†bvU 29.L) Avw_©K e¨e¯’vcbv Znwej (†bvU 29.M) MÖvgxY K…wlRvZ c‡Y¨i cÖwμqvRvZ wkí cybtA_©vqb Znwej (†bvU 29.N) `y‡h©vM e¨e¯’vcbv Ges mvgvwRK `vqe×Zv Znwej (†bvU 29.O) †gvU
29.K ÿz`ª I gvSvwi wkí Znwej
evsjv‡`k e¨vsK AW©vi, 1972 Gi 16 bs avivi 24 bs Dcaviv †gvZv‡eK ÿz`ª FY I M„nvqY Lv‡Z FY cÖ`v‡bi Rb¨ Zdwmwj e¨vsKmg~n Ges Avw_©K cÖwZôvbmg~n‡K cybtA_©vqb Kivi wbwg‡Ë G Znwej MVb Kiv n‡q‡Q| cwiPvjbv cl©‡`i wm×všÍ †gvZv‡eK dvÛmg~‡n A_© ¯’vbvšÍi Kiv nq|
29.L gvbe m¤ú` Dbœqb Znwej
evsjv‡`k e¨vsK AW©vi, 1972 Gi 82 bs avivi 2(Gb) bs Dcaviv Ges e¨vs‡Ki †ev‡W©i wm×všÍ †gvZv‡eK †`‡k I we‡`‡k †mwgbvi, wm‡¤úvwRqvg, cÖwkÿY BZ¨vw`i gva¨‡g e¨vs‡Ki Kg©KZ©v‡`i `ÿZv Dbœq‡bi j‡ÿ¨ gvbe m¤ú` Dbœqb Znwej ˆZwi Kiv n‡q‡Q| A_©eQi 2010-11 G miKvi‡K cÖ‡`q jf¨vsk n‡Z G Znwe‡ji ms¯’vb Kiv n‡q‡Q|
29.M Avw_©K e¨e¯’vcbv Znwej
e¨vs‡Ki gy`ªv bxwZ Kvh©μg myôzfv‡e cwiPvjbvi j‡ÿ¨ e¨vsK †ev‡W©i wm×všÍ Abyhvqx Avw_©©K e¨e¯’vcbv Znwej ˆZwi Kiv n‡q‡Q| A_©eQi 2010-11 G miKvi‡K cÖ‡`q jf¨vsk n‡Z G Znwe‡ji ms¯’vb Kiv n‡q‡Q|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
6,000,000 6,570,000
349,468 200,000
1,000,000 100,000
14,219,468
6,000,000 6,570,000
402,452 200,000
1,000,000 50,000
14,222,452
2015 UvKv '000
2014 UvKv '000
166
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
29.N MÖvg¨ K…wlRvZ c‡Y¨i cÖwμqvRvZ wkí cybtA_©vqb Znwej
MÖvg¨ K…wlRvZ c‡Y¨i wkí‡K A_©vqb Kivi D‡Ï‡k¨ 2001 Avw_©K eQ‡i G Znwej ˆZwi Kiv n‡q‡Q| G w¯‹‡gi AvIZvq 37wU K…wlRvZ c‡Y¨i wkíLvZ i‡q‡Q| G Znwej evsjv‡`‡ki K…wlRvZ cY¨Lv‡Zi Dbœq‡b ¸iæZ¡c~Y© f‚wgKv cvjb Ki‡Q| K…wlwfwËK wk‡íi Dbœqb Ges cÖmvi‡Yi Rb¨ MYcÖRvZš¿x evsjv‡`k miKvi G LvZ‡K ÒAMÖMvgx LvZÓ wn‡m‡e ÒRvZxq wkíbxwZ 2010Ó G †NvlYv K‡i‡Q|
29.O `y‡h©vM e¨e¯’vcbv Ges mvgvwRK `vqe×Zv Znwej
ÒG Znwej cwiPvjK cl©‡`i 2013 m‡bi (2013 m‡bi 6ô mfv) 17 Ry‡bi Kvh©weeiYx bs-wewW-341(2013-06)/50 wm×všÍ Abyhvqx ˆZwi Kiv n‡q‡Q| cÖv_wgKfv‡e Aby`v‡bi 50.00 wgwjqb UvKvi ZnwejwU evsjv‡`k e¨vs‡Ki 2012-2013 m‡bi gybvdv †_‡K msMÖn Kiv nq Ges cieZ©xKv‡j cÖwZ eQi e¨vs‡Ki gybvdv †_‡K 50.00 wgwjqb UvKv G Znwe‡j ¯’vbvšÍi Kiv n‡e| A_©eQi 2014-15 G 100.00 wgwjqb UvKv PjwZ eQ‡ii gybvdv †_‡K KZ©b Kiv n‡q‡Q|Ó
30 Ab¨vb¨ mwÂwZ
m¤ú` bevqb I cybt¯’vcb mwÂwZ (†bvU 30.K) my` mwÂwZ (†bvU 30.L) †gvU
30.K m¤ú` bevqb I cybt¯’vcb mwÂwZ
cÖ‡Z¨K eQi gybvdv Aveȇbi mgq wewìs Ges ¯’vcbvi AeP‡qi mgcwigvY e¨q G Lv‡Z ¯’vbvšÍi Kiv nq|
30.L my` mwÂwZ
A_©eQi 2006-07 G cwiPvjK cl©‡`i wm×všÍ Abyhvqx Av‡jvP¨ mwÂwZ Avi¤¢ Kiv n‡q‡Q Ges evsjv‡`k K…wl e¨vsK I ivRkvnx K…wl Dbœqb e¨vs‡Ki †gqv‡`vËxY© F‡Yi AwR©Z my` GLv‡b wnmvevqb Kiv n‡q‡Q|
31 mgwš^Z mvaviY mwÂwZ
evsjv‡`k e¨vsK (†bvU 31.01) GmwcwmweGj †gvU
31.01 mvaviY mwÂwZ
evsjv‡`k e¨vsK AW©vi, 1972 Gi 59 b¤^i aviv †gvZv‡eK miKvi KZ…©K eivÏK…Z 30 wgwjqb UvKv g~‡j¨i FYcÎ evsjv‡`k e¨vs‡Ki msiw¶Z Znwej wn‡m‡e msi¶Y Kiv n‡q‡Q| GZبZxZ mvaviY cÖwfkb n‡Z 4220.5 UvKv wgwjqb mvaviY mwÂwZ wnmv‡e ¯’vbvšÍi Kiv n‡q‡Q|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
3,325,985 8,011,692
11,337,677
3,034,485 8,128,574
11,163,059
4,250,500 550,000
4,800,500
4,250,500 450,000
4,700,500
4,250,500 4,250,500
2015 UvKv '000
2014 UvKv '000
167
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
214,918 118,675 333,593
33,788 235
34,023
1,603,486 3,729,054 6,359,498
63,883 129,213 39,928
11,925,063
906,507 4,251,326 4,708,983
70,084 49,415 73,651
10,059,966
91,558 20,230 30,887 20,887
163,563
75,507 28,425 62,688 28,647
195,267
15,643,831 (16,050)
- (824,617)
(15,627,781) 5,303
- 10,387,918 9,568,603
40,733,254 (11,829)
(4,356,350)
(50,000) (36,302,026) (4,038,607)
(20,775) 19,690,164 15,643,831
22,525,327 (16,050)
-
(824,617) (15,627,781)
5,303 (100,000)
- 11,248,766 17,210,947
46,493,169 (11,829)
(4,356,350)
147,161 (36,302,026) (4,038,607)
(100,000) (20,775)
20,714,584 22,525,327
32 mgwš^Z AewÈZ gybvdv
cÖviw¤¢K w¯’wZ miKv‡ii wbKU cvIbvi wecix‡Z mgš^q ivRkvnx K…wl Dbœqb e¨vsK Gi AbyK‚‡j cÖ`Ë M¨vivw›Ui wecix‡Z mgš^q Ab¨vb¨ Znwe‡j ¯’vbvšÍi PjwZ eQ‡i cÖ`Ë jf¨vsk (2013-2014) weMZ eQ‡ii mgš^q mvaviY mwÂwZ‡Z ¯’vbvšÍi cybtg~j¨vq‡bi wecix‡Z mgš^q AveÈb cieZ©x PjwZ eQ‡ii gybvdv mgvcbx w¯’wZ
32.01 AewÈZ gybvdv
cÖviw¤¢K w¯’wZ miKv‡ii wbKU cvIbvi wecix‡Z mgš^q ivRkvnx K…wl Dbœqb e¨vsK Gi AbyK‚‡j cÖ`Ë M¨vivw›Ui wec‡ÿ mgš^q Ab¨vb¨ Znwe‡j ¯’vbvšÍi PjwZ eQ‡i cÖ`Ë jf¨vsk (2013-2014) weMZ eQ‡ii mgš^q cybtg~j¨vq‡bi wecix‡Z mgš^q AveÈb cieZ©x PjwZ eQ‡ii gybvdv mgvcbx w¯’wZ
33 my` Avq
e¨vsKmg~n‡K cÖ`Ë FY evwYwR¨K e¨vs‡Ki wbKU ¯^í‡gqvw` Rgv eÛ BDGm Wjvi †UªRvwi wej ¯¦Y© †jb‡`b n‡Z D™¢‚Z `vwe Ab¨vb¨ (GmwWAvi-wewb‡qvM) †gvU
34 Kwgkb I evÆv
ˆe‡`wkK gy`ªvi †jb‡`‡bi Dci Kwgkb Ab¨vb¨ (†jb‡`b n‡Z BDGmwW eÛ wewb‡qv‡Mi gybvdv) †gvU
35 my` e¨q
Rgv Gwkqvb wK¬qvwis BDwbqb- (AvKz) AvBGgGd †m›Uªvj e¨vsK †÷ªs‡`wbs cÖ‡R± Gi Dci my` †gvU
2015 UvKv '000
2014 UvKv '000
168
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
36 my` Avq
†i‡cvÕ‡Z wewb‡qvM miKvwi wmwKDwiwURmg~n miKvi‡K cÖ`Ë FY I AwMÖg FYcÎ e¨vsK, Avw_©K cÖwZôvb I Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë FY ¯^í‡gqvw` gy`ªv evRvi Rgv †gvU
36.01 my` Avq
cybtweμq Pzw³‡Z wmwKDwiwUR μq miKvwi wmwKDwiwURmg~n miKvi‡K cÖ`Ë FY I AwMÖg FYcÎ e¨vsK, Avw_©K cÖwZôvb I Kg©KZ©v/Kg©Pvix‡`i cÖ`Ë FY †gvU
37 Kwgkb I evÆv
miKvi n‡Z Kwgkb Avq wewea Kwgkb Avq †UªRvwi eÛ weμqRwbZ jvf/(ÿwZ) †gvU
37.K Ab¨vb¨ Avq
wewbgq wnmve (¯’vbxq Avq) wewbgq wnmve - †iwgU¨vÝ weμq (¯’vbxq) wewbgq wnmve - wUwU evÆv (¯’vbxq) wewbgq - wewea (¯’vbxq) m¤úwË weμq A_ev Aeg~j¨vq‡bi gybvdv my` Avq - wewea - †diZ mwÂwZ Aby`vb n‡Z Avq †gvU
wewbgq Avq, m¤úwË weμ‡qi gybvdv Ges my` †di‡Zi mwÂwZ Ab¨vb¨ Av‡qi AšÍfz©³|
38 my` e¨q
evsjv‡`k e¨vsK wej cybt μq Pzw³‡Z wmwKDwiwUR weμq †gvU
39 Kwgkb I Ab¨vb¨ e¨q
G‡RwÝ LiP (†bvU 39.K) †UªRvwi wej I eÛ Gi Ae‡jLK Kwgkb (†bvU 39.L) A-wewjK…Z K…wl FY Rgvi Dci my` (†bvU 39.M) †gvU
1,473,884 1,050,143 6,830,530
311,388 4,478,140
898,949 15,043,034
1,427,784 6,762,343
12,738,650 318,881
4,597,680 273,742
26,119,080
1,473,884 1,050,143 6,830,530
311,388 4,418,858
14,084,803
1,427,784 6,762,343
12,738,650 318,881
4,541,364 25,789,022
5,749 586,458 790,263
1,382,469
3,639 486,384 321,928 811,951
82 41
2,347 -
599 66,525
254,242 323,836
133 15
3,543 1
2,606 159,592 379,547 545,436
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
736,118 1,137,470 1,873,588
2,354,814 507,924
2,862,738
2,642,465 488,067
22,477 3,153,009
2,409,580 415,000 29,422
2,854,002
2015 UvKv '000
2014 UvKv '000
169
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
6,164,947 893,262 242,113
720 8,337
104,629 309,294 44,130
120,626 93,962
425,922 3,206,419
115,931 778,138 538,693
1,220,803 14,267,927
4,318,603 859,329 241,152
741 12,350 89,234
292,347 53,287
116,178 89,265
401,983 3,126,660
76,152 1,267,741 (105,840)
1,406,334 12,245,517
1,759,589 540,646 (95,219)
1,595,850 2,013
1,085,931 (4,319)
266,931 154,327 206,888 304,225 348,084
6,164,947
1,694,105 499,839
(6,632) 157,834
11,301 804,973
6,055 247,982 140,144 166,062 300,183 296,757
4,318,603
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
39.K G‡RwÝ LiP
evsjv‡`k e¨vs‡Ki cÖwZwbwa wn‡m‡e KvR Kivi Rb¨ †mvbvjx e¨vsK‡K G‡RwÝ LiP cÖ`vb Kiv nq|
39.L †UªRvwi wej I eÛ Gi Ae‡jLK Kwgkb
cÖvBgvwi wWjvi‡`i miKvwi †UªRvwi wej I eÛ Bmy¨ Kivi Rb¨ Ae‡jL‡Ki Kwgkb cÖ`vb Kiv nq|
39.M A-wewjK…Z K…wl FY Rgvi Dci my`
A-wewjK…Z K…wl F‡Yi wecix‡Z evwYwR¨K e¨vsK¸‡jv‡K G my` cÖ`vb Kiv nq|
40 mgwš^Z mvaviY I cÖkvmwbK e¨q
Kg©KZ©v/Kg©Pvix msμvšÍ e¨q (†bvU 40.K) AePq Ae‡jvcb (A „k¨gvb m¤ú`) cwiPvjK‡`i wd wbixÿv wd †÷kbvwi fvov, we`y¨r BZ¨vw` †UªRvwi †cÖiY Aby`vb †Uwj‡dvb †givgZ Ges iÿYv‡eÿY KuvPvgvj Kg©Pvix gybvdv Askx`viZ¡ Znwe‡j cÖwfkb AvqKi I g~j¨ ms‡hvRb Ki wejw¤^Z Ki wewea †gvU
40.K Kg©KZ©v/Kg©Pvix msμvšÍ e¨q
†eZb evwo fvov Kg©Pvix fwel¨ Znwe‡ji Puv`v †cbkb I Avby‡ZvwlK QywU bM`vqb mvaviY I †cÖiYv †evbvm miKvi‡K cÖ`Ë AvqKi wPwKrmv LiP cÖwkÿY ågY LiP ga¨vý Avnvi Ab¨vb¨ Kg©KZ©v/Kg©Pvix e¨q †gvU
2015 UvKv '000
2014 UvKv '000
170
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
5,745,212 691,977 242,113
481 8,294
102,716 227,251 44,130
120,626 93,784
386,731 759,933
8,423,247
3,827,842 660,613 241,152
523 12,075 89,234
215,528 53,287
116,178 89,265
389,274 1,347,400 7,042,372
40.01 mvaviY I cÖkvmwbK LiP
Kg©KZ©v/Kg©Pvix Lv‡Z e¨q (†bvU 40.01.G) AePq Ae‡jvcb cwiPvjK‡`i wd wbixÿv wd †÷kbvwi fvov †UªRvwi †cÖiY Aby`vb †Uwj‡dvb †givgZ wewea †gvU
40.01.K Kg©KZ©v/Kg©Pvix Lv‡Z e¨q
†eZb evwo fvov Kg©Pvix fwel¨ Znwe‡ji Puv`v †cbkb I Avby‡ZvwlK mvaviY I †cÖiYv †evbvm miKvi‡K cÖ`Ë AvqKi wPwKrmv LiP cÖwkÿY ågY LiP ga¨vý Avnvi Ab¨vb¨ Kg©KZ©v/Kg©Pvix e¨q †gvU
41 m~PK wfwËK mgwš^Z F‡Yi we‡kølY
wb‡Pi mviYxi m¤ú`mg~n MOODY'S F‡Yi m~P‡Ki (Ab¨vb¨ G‡RwÝi m~P‡Ki mgq MOODY'S mggvb m~PK) Dci wfwË K‡i Dc¯’vcb Kiv n‡q‡Q| `xN©‡gqvw` Rgvi †ÿ‡Î GGG n‡jv m¤¢ve¨ m‡e©v”P ¸YMZ gvbm¤úbœ m~PK Ges Gi gva¨‡g cÖwZôvbwUi FY †h e¨wZμgag©x ¸YMZ gvb m¤úbœ Ges F‡Yi SzuwKi gvÎv †h me©wb¤œ ch©v‡qi Zv wb‡`©k K‡i| GG m~PK Øviv DrK…ó gv‡bi FY‡K wb‡`©k K‡i wKš‘ ¸YMZ gvb GGG Gi PvB‡Z Kg| GG1 Øviv GG K¨vUvMwify³ m~P‡Ki m‡e©v”P mxgv wb‡`©k K‡i; GG2 Øviv GG K¨vUvMwifz³ m~P‡Ki ga¨g mxgv wb‡`©k K‡i Ges GG3 Øviv GG K¨vUvMwifz³ m~P‡Ki me©wb¤œ mxgv wb‡ ©k K‡i| ¯í‡gqvw` Rgvi †ÿ‡Î wc-1 Øviv e¨vsKmg~n KZ…©K cÖvBg-1 fz³ Rgv‡K wb‡`©k K‡i Ges DbœZ ¸YMZ gvbm¤úbœ FY cÖ`vb cÖ¯Íve K‡i Ges mgqg‡Zv ¯^í‡gqvw` `vq cwi‡kv‡ai †ÿ‡Î GKwU LyeB gReyZ mvg_©¨‡K wb‡`©k K‡i| GmwU-1 wba©vwiZ mg‡qi g‡a¨ `vq cwi‡kv‡ai m‡e©v”P mvg_©¨ wb‡`©k K‡i, GmwU-2 wba©vwiZ mg‡qi g‡a¨ `vq cwi‡kv‡ai gReyZ mvg_©¨ wb‡`©k K‡i Avi GmwU-3 wba©vwiZ mg‡qi g‡a¨ `vq cwi‡kv‡ai Mo mvg_© wb‡ ©k K‡i|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
1,577,827 540,646 (95,219)
1,566,700 1,012,128
(4,319) 258,201 153,483 206,888 271,267 257,609
5,745,212
1,479,790 499,839
(6,632) -
739,321 6,055
239,678 140,144 166,062 266,828 296,757
3,827,842
2015 UvKv '000
2014 UvKv '000
171
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
K) ˆe‡`wkK gy`ªvq Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ¯^íZg mg‡qi Rb¨ wewb‡qvM ˆe‡`wkK evwYwR¨K e¨vs‡K ^í‡gqvw` wewb‡qvM gvt Wt †U«Rvwi wej we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ
ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ¯^Y© †jb‡`bRwbZ `vwe AvBGgGd Gi mv‡_ iwÿZ m¤ú` ˆe‡`wkK gy`ªvq Ab¨vb¨ m¤ú` †gvU
L) ¯’vbxq gy`ªvq Avw_©K m¤ú`
evsjv‡`k miKvi‡K cÖ`Ë FY †i‡cvÕ‡Z wewb‡qvM ¯’vbxq gy`ªvq wewb‡qvM e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY Kg©KZ©v/Kg©Pvix‡`i ¯’vbxq gy`ªvq cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` UvKv gy`ªv I bM` w¯’wZ †gvU †gvU-Avw_©K m¤ú` (K+L)
F‡Yi m~PK
cwigvc '000 UvKvq
% Avw_©K m¤ú`
cwigvc '000 UvKvq
% Avw_©K m¤ú`
2015 2014
wc-1wc-1
wc-1wc-1GGG
GG1, GG2GG3
GG,G1,G2G3, G+
we1, weG1, weGG1, weGG2, weGG3
GGGG n‡Z GG
weGGm~PKwenxb
GG2m~PKwenxbm~PKwenxb
weG3m~PKwenxbm~PKwenxb
GGGG n‡Z GGweG n‡Z we
weGGm~PKwenxbm~PKwenxbm~PKwenxb
weG3
21,015,860 247,393,553
674,465,879 83,279,606
487,878,147 66,104,229 30,244,944 15,613,757 13,706,400 65,706,743
1,327,493
92,993,790 1,364,649
32,056,154 34,181,082
131,148,185 6,680,465
2,005,160,934
0.94%11.02%
30.03%3.71%
21.72%2.94%1.35%0.70%0.61%2.93%
0.06%4.14%0.06%1.43%1.52%5.84%0.30%
89.29%
17,792,227 483,942,828
492,050,716
83,075,584 238,757,503
13,181,747 8,197,165
48,078,469 24,486,189 25,189,820
8,975,614
93,963,942 2,247,207
- 19,451,963
148,468,110 4,595,253
1,712,454,337
0.89%24.16%
24.57%4.15%
11.92%0.66%0.41%2.40%1.22%1.26%
0.45%4.69%0.11%0.00%0.97%7.41%0.23%
85.50%
112,289,585 -
6,269,086 50,042
7,110,357 14,010
284,714 68,348,084 31,233,004
531,648 14,483,987
240,614,519 2,245,775,453
5.00%0.00%0.28%0.00%0.32%0.00%0.01%3.04%1.39%0.02%0.64%
10.71%100.00%
168,861,943 980,000
8,385,472 3,359,856 9,257,438
- 17,410,752 52,421,069 27,255,579
1,145,214 1,356,424
290,433,747 2,002,888,084
8.43%0.05%0.42%0.17%0.46%0.00%0.87%2.62%1.36%0.06%0.07%
14.50%100.00%
172
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
K) ˆe‡`wkK gy`ªvq Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ¯^íZg mg‡qi Rb¨ wewb‡qvM ˆe‡`wkK evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvM gvt Wt †U«Rvwi wej we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ we‡`wk eÛ
ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY ¯^Y© †jb‡`bRwbZ `vwe AvBGgGd Gi mv‡_ iwÿZ m¤ú` ˆe‡`wkK gy`ªvq Ab¨vb¨ m¤ú` †gvU
L) ¯’vbxq gy`ªvq Avw_©K m¤ú`
evsjv‡`k miKvi‡K cÖ`Ë FY †i‡cvÕ‡Z wewb‡qvM ¯’vbxq gy`ªvq wewb‡qvM e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY e¨vsK Ges Avw_©K cÖwZôvb‡`i ¯’vbxq gy`ªvq cÖ`Ë FY Kg©KZ©v/Kg©Pvix‡`i ¯’vbxq gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ m¤ú` UvKv gy`ªv I bM` w¯’wZ †gvU †gvU-Avw_©K m¤ú` (K+L)
F‡Yi m~PK
cwigvc'000 UvKvq
% Avw_©K m¤ú`
cwigvc '000 UvKvq
% Avw_©K m¤ú`
2015 2014
wc-1wc-1wc-1wc-1GGG
GG1, GG2GG3
GG,G1,G2G3, G+
we1, weG1, weGG1, weGG2, weGG3
GGGG n‡Z GG
weGGm~PKwenxb
GG2m~PKwenxbm~PKwenxb
weG3---
-
21,015,860 247,393,553 674,465,879
83,279,606 487,878,147
66,104,229 30,244,944 15,613,757 13,706,400 65,706,743
1,327,493
92,993,790 1,364,649
32,056,154 34,181,082 131,148,185
6,680,465 2,005,160,934
0.94%11.04%30.09%3.72%
21.76%2.95%1.35%0.70%0.61%2.93%
0.06%4.15%0.06%1.43%1.52%5.85%0.30%
89.45%
17,792,227 483,942,828 492,050,716 83,075,584
238,757,503 13,181,747 8,197,165
48,078,469 24,486,189 25,189,820
8,975,614
93,963,942 2,247,207
- 19,451,963
148,468,110 4,595,253
1,712,454,337
0.89%24.20%24.61%4.16%
11.94%0.66%0.41%2.40%1.22%1.26%
0.45%4.70%0.11%0.00%0.97%7.43%0.23%
85.65%
112,289,585 -
17,795,000 50,042
7,110,357 14,010
284,714 68,348,084 30,106,279
169,283 321,706
236,489,061 2,241,649,995
5.01%0.00%0.79%0.00%0.32%0.00%0.01%3.05%1.34%0.01%0.01%
10.55%100%
168,861,943 980,000
7,005,000 3,359,856 9,257,438
- 17,410,752 52,421,069 26,178,962
929,682 546,240
286,950,942 1,999,405,280
8.45%0.05%0.35%0.17%0.46%0.00%0.87%2.62%1.31%0.05%0.03%
14.35%100%
41.01 m~P‡Ki gva¨‡g c„_K FY we‡kølY
173
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
41.02 mvaviY I Ab¨vb¨ ewa©Z RvgvbZ msiÿY Ges Zvi Avw_©K cÖfve
e¨vsK cÖ`Ë wbw`©ó F‡Yi wecix‡Z mvaviY I Ab¨vb¨ ewa©Z RvgvbZ msiÿY K‡i _v‡K| wb‡Pi Q‡K wewfbœ ai‡bi Avw_©K m¤ú‡`i wecix‡Z msiwÿZ cÖavb cÖavb RvgvbZ cÖ`wk©Z n‡jv t
K) ˆe‡`wkK gy`ªvq Avw_©K m¤ú`
ˆe‡`wkK gy`ªvq e¨vsK¸‡jv‡K cÖ`Ë FY
¯^Y© †jb‡`bRwbZ `vwe AvBGgGd Gi mv‡_ iwÿZ m¤ú`
L) ¯’vbxq gy`ªvq Avw_©K m¤ú`
evsjv‡`k miKvi‡K cÖ`Ë FY †i‡cvÕ‡Z wewb‡qvM
e¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i ¯’vbxq gy`ªvq cÖ`Ë FY
42 mgwš^Z my` nvi SzuwK
my` nvi cwieZ©b nIqvi Kvi‡Y ÿwZ msMwVZ nevi m¤¢vebvB n‡jv my` nvi SzuwK| m¤ú` I `vqmg~n cybg~©j¨vq‡b my` nvi mwVK bv n‡j MÖæc/†MvôxwU my` nvi SzuwKi m¤§yLxb nq| †h‡nZz g~j¨ w¯’wZkxjZv AR©b Ges eRvq ivLv e¨vs‡Ki GKwU †gŠwjK D‡Ïk¨, e¨vsK Zvi wbR¯^ cÖÁv Øviv gy`ªv bxwZ cÖYqb K‡i hv cieZ©x‡Z e¨vsKwU ev¯Íevqb K‡i Ges g~j¨ w¯’wZkxjZv AR©b Ges eRvq ivLvi R‡b¨ gy`ªv bxwZ nvwZqvi e¨envi K‡i| 30 Ryb 2015 Zvwi‡Li Pzw³wfwËK cybg©~j¨vq‡bi wfwˇZ e¨vs‡Ki my` nvi ms‡e`bkxjZvi Ae¯’v wb‡¤œ Dc¯’vwcZ n‡jv| Gi g‡a¨ e¨vs‡Ki Avw_©K m¤ú` I `vqmg~n evwnZ g~‡j¨ AšÍfz©³ i‡q‡Q, hv †gqv`c~wZ©i cÖv_wgK Pzw³wfwËK cybg©~j¨vq‡bi Øviv †kÖwYK…Z| m¤ú` Ges `vqmg~n wb‡¤œv³ mgqKv‡ji g‡a¨ †gqv`c~wZ© n‡e ev cybg©~j¨vwqZ n‡e|
cwigvY( UvKvÕ000)
cÖavb cÖavbRvgvbZ
cwigvY( UvKvÕ000)
cÖavb cÖavbRvgvbZ
2015 2014
127,742,085
34,181,082 131,148,185
112,289,585 -
107,040,212
105,186,763
19,451,963 148,468,110
168,861,943 980,000
109,704,694
RvgvbZwenxb
RvgvbZwenxb RvgvbZwenxb
RvgvbZwenxb cÖ‡hvR¨ bq
-miKvwi wbðqZv -e¨vsK wbðqZv -wWgvÛ cÖwgmwi †bvU -Kg©KZ©v/Kg©Pvix cÖwf‡W›U dvÛ, MÖ¨vPzwqwU dvÛ Ges m¤ú` eÜKxKiY
RvgvbZwenxb
RvgvbZwenxb RvgvbZwenxb
RvgvbZwenxb mn‡R weμq‡hvM¨ wmwKDwiwU -miKvwi wbðqZv -e¨vsK wbðqZv -wWgvÛ cÖwgmwi †bvU -Kg©KZ©v/Kg©Pvix cÖwf‡W›U dvÛ, MÖ¨vPzwqwU dvÛ Ges m¤ú` eÜKxKiY
174
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
K) 30 Ryb 2015 Zvwi‡Li Rb¨
m¤ú`
ˆe‡`wkK gy`ªvq Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ m¤ú` †gvU- ˆe‡`wkK gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n
¯’vbxq gy`ªvq Avw_©K m¤ú`
UvKv gy`ªv I bM` w¯’wZ evsjv‡`k miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM e¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i ¯’vbxq gy`ªvq cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU- ¯’vbxq gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n †gvU- Avw_©K m¤ú`
`vqmg~n
ˆe‡`wkK gy`ªvq Avw_©K `vqmg~n
ˆe‡`wkK gy`ªªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY AvBGgGd Gi wbKU `vq †gvU- ˆe‡`wkK gy`ªvq Avw_©K m¤ú` †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n
¯’vbxq gy`ªvq Avw_©K `vqmg~n
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY ¯^í‡gqvw` FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq †gvU ¯’vbxq gy`ªvq Avw_©K `vq †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n †gvU Avw_©K `vq
mKj Avw_©K nvwZqvi G‡`i cybtg~j¨vqb mg‡q wba©vwiZ, hv Zv‡`i †gqv`c~wZ©i Aewkó mgqKv‡ji mgZzj¨|
21,015,860 1,684,393,258
131,148,185 6,414,663
34,181,082 127,742,085
6,680,465 2,011,575,597
89.32%
21,015,860 949,687,576
72,789,125 6,414,663
- 53,699,480
- 1,103,606,703
96.30%
- 129,939,874
6,174 -
34,181,082 74,042,606 6,680,465
244,850,200 89.07%
- 604,765,809
- -
- -
604,765,809 87.40%
-
58,352,886 -
- -
58,352,886 42.02%
0.08%0.71%0.03%
cÖ‡hvR¨ bq0.38%1.10%
cÖ‡hvR¨ bq
149,159,932 167,475,874
316,635,80614.74%
149,159,931 1,621,992
150,781,92323.06%
- - - -
- 3,314,286 3,314,286
100.00%
- 162,539,596 162,539,596
100.00%
0.08%0.04%
14,483,987 112,289,585
6,269,086
107,040,212 531,648
240,614,51910.68%
2,252,190,115
14,483,987 24,354,400
789,086
2,732,034 -
42,359,5073.70%
1,145,966,210
- 15,000,000
765,000
14,275,197 -
30,040,197 10.93%
274,890,397
- 61,002,991 3,700,000
22,458,470
- 87,161,461
12.60%691,927,270
- 11,932,194 1,015,000
67,574,511 -
80,521,705 57.98%
138,874,591
cÖ‡hvR¨ bq6.08%5.37%
4.20%cÖ‡hvR¨ bq
weeiYcybg~©j¨vqb mgqKvj30 Ryb
2015Zvwi‡Li
w¯’wZ0 n‡Z 3 gvm ch©šÍ
3 n‡Z 12gvm ch©šÍ
1 n‡Z 5eQi ch©šÍ
5 eQ‡ii AwaK
mg‡qi Rb¨
fvixZMomy`
'000 UvKvq
973,633,449 503,017,274 180,721,995 173,881,247 1,831,253,965
85.26%2,147,889,771
- 503,017,274
- -
503,017,27476.94%
653,799,197
- - - - -
0.00% -
- - - - -
0.00%3,314,286
- - - - -
0.00% 162,539,596
cÖ‡hvR¨ bqcÖ‡hvR¨ bq
5.67%cÖ‡hvR¨ bq
42 mgwš^Z my` nvi SzuwK
175
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
weeiYcybtg~j¨vqb mgqKvj30 Ryb
2015Zvwi‡Li
w¯’wZ0 n‡Z 3 gvm ch©šÍ
3 n‡Z 12gvm ch©šÍ
1 n‡Z 5eQi ch©šÍ
5 eQ‡ii AwaK
mg‡qi Rb¨
fvixZMomy`
'000 UvKvq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
L) 30 Ryb 2014 Zvwi‡Li Rb¨
m¤ú`
ˆe‡`wkK gy`ªvq Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ m¤ú` †gvU- ˆe‡`wkK gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n
¯’vbxq gy`ªvq Avw_©K m¤ú`
UvKv gy`ªv I bM` w¯’wZ †i‡cvÕ‡Z wewb‡qvM evsjv‡`k miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM e¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i ¯’vbxq gy`ªvq cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU- ¯’vbxq gy`ªvi Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n †gvU- Avw_©K m¤ú`
`vq ˆe‡`wkK gy`ªvq Avw_©K `vq ˆe‡`wkK gy`ªvq e¨vsK I Avw_©K cÖwZôv‡bi Rgv AvBGgGd mswkøó `vq †gvU-ˆe‡`wkK gy`ªvq Avw_©K `vq †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n
¯’vbxq gy`ªvq Avw_©K `vq
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôv‡bi Rgv ¯^í‡gqvw` wewb‡qvM ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq ¯’vbxq gy`ªvq †gvU Avw_©K `vq †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n †gvU Avw_©K `vq
mKj Avw_©K nvwZqvi Zv‡`i cybtg~j¨vqb mg‡q cÖ`wk©Z, †h¸‡jv †gqv`c~wZ©i Aewkó mg‡qi mgZzj¨|
501,735,055 933,017,193 148,468,110 25,283,678 19,451,963
105,186,763 4,595,253
1,737,738,01585.68%
501,735,055 479,878,616 84,454,866 25,283,678
- - -
1,091,352,21599.09%
- 146,197,324
12,871 -
19,451,963 105,186,763
4,595,253 275,444,174
88.78%
- 306,941,253
- -
- -
306,941,25365.62%
-
64,000,373 -
- -
64,000,37343.34%
0.02%1.52%0.06%
cÖ‡hvR¨ bq0.36%1.09%
cÖ‡hvR¨ bq
149,897,536 188,331,836 338,229,372
17.99%
149,897,536 3,833,497
153,731,03372.72%
- 2,496,600
2,496,600100.00%
- 14,048,010
14,048,010100.00%
- 167,953,729
167,953,729100.00%
0.08%0.04%
1,356,424 980,000
168,861,943 8,385,472
109,704,694
1,145,214 290,433,747
14.32%2,028,171,762
1,356,424 980,000
4,500,000 250,000
2,934,320
- 10,020,744
0.91%1,101,372,959
- -
18,084,206 4,050,472
12,673,653
- 34,808,331
11.22%310,252,505
- -
122,271,208 3,280,000
35,245,395
- 160,796,603
34.38%467,737,856
- -
24,006,529 805,000
58,851,326
- 83,662,855
56.66%147,663,228
cÖ‡hvR¨ bq11.86%8.92%7.09%4.03%
cÖ‡hvR¨ bq
847,170,600 57,664,690
443,782,003 193,316,773 1,541,934,067
82.01%1,880,163,439
- 57,664,690
- -
57,664,690 27.28%
211,395,723
- - - - -
0.00%2,496,600
- - - - -
0.00%14,048,010
- - - - -
0.00%167,953,729
cÖ‡hvR¨ bq5.67%
cÖ‡hvR¨ bqcÖ‡hvR¨ bq
42 mgwš^Z my` nvi SzuwK
176
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
weeiYcybtg~j¨vqb mgqKvj30 Ryb
2015Zvwi‡Li
w¯’wZ0 n‡Z 3 gvm ch©šÍ
3 n‡Z 12gvm ch©šÍ
1 n‡Z 5eQi ch©šÍ
5 eQ‡ii AwaK
mg‡qi Rb¨
fvixZMomy`
'000 UvKvq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
K) 30 Ryb 2015 Zvwi‡Li Rb¨
m¤ú`
ˆe‡`wkK gy`ªvq Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ m¤ú` †gvU- ˆe‡`wkK gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n
¯’vbxq gy`ªvq Avw_©K m¤ú`
UvKv gy`ªv I bM` w¯’wZ evsjv‡`k miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM e¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i ¯’vbxq gy`ªvq cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU- ¯’vbxq gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n †gvU- Avw_©K m¤ú`
`vqmg~n
ˆe‡`wkK gy`ªvq Avw_©K `vqmg~n
ˆe‡`wkK gy`ªªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY AvBGgGd Gi wbKU `vq †gvU- ˆe‡`wkK gy`ªvq Avw_©K m¤ú` †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n
¯’vbxq gy`ªvq Avw_©K `vqmg~n
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY ¯^í‡gqvw` FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq †gvU ¯’vbxq gy`ªvq Avw_©K `vq †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n †gvU Avw_©K `vq
mKj Avw_©K nvwZqvi Zv‡`i cybtg~j¨vqb mg‡q cÖ`wk©Z, †h¸‡jv †gqv`c~wZ©i Aewkó mg‡qi mgZzj¨|
21,015,860 1,684,393,258
131,148,185 6,414,663
34,181,082 127,742,085
6,680,465 2,011,575,597
89.48%
21,015,860 949,687,576 72,789,125.20
6,414,663 16,821,198 53,699,480
- 1,120,427,901
97.59%
- 129,939,874
6,174 -
17,359,884 74,042,606 6,680,465
228,029,002 88.30%
- 604,765,809
- - - -
604,765,809 87.40%
- -
58,352,886 - - - -
58,352,886 38.97%
0.08%0.71%0.03%
cÖ‡hvR¨ bq0.38%1.10%
cÖ‡hvR¨ bq
149,159,932 167,475,874
316,635,80614.76%
149,159,931 1,621,992
150,781,92345.48%
- - 0 -
- 3,314,286
3,314,286100.00%
- 162,539,596
162,539,596100.00%
0.07%0.06%
321,706 112,289,585 17,795,000
105,913,487
169,283 236,489,061
10.52%2,248,064,658
321,706 24,354,400
315,000
2,732,034 -
27,723,1402.41%
1,148,151,041
- 15,000,000
765,000
14,275,197 169,283
30,209,480 11.70%
258,238,482
- 61,002,991
3,700,000.00
22,458,470 -
87,161,461 12.60%
691,927,270
- 11,932,194 13,015,000
66,447,785
- 91,394,979
61.03% 149,747,865
cÖ‡hvR¨ bq6.08%5.37%
4.17%cÖ‡hvR¨ bq
973,633,449 180,721,995 503,017,274 171,327,094 1,828,699,812
85.24%2,145,335,618
- 180,721,995
- -
180,721,99554.52%
331,503,918
- - - - - - -
- - - - -
0.00% 3,314,286
- - - - -
0.00% 162,539,596
cÖ‡hvR¨ bq5.67%
cÖ‡hvR¨ bqcÖ‡hvR¨ bq
42.01 c„_K my` nvi SzuwK
177
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
L) 30 Ryb 2014 Zvwi‡Li Rb¨
m¤ú`
ˆe‡`wkK gy`ªvq Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ m¤ú` †gvU- ˆe‡`wkK gy`ªvq Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n
¯’vbxq gy`ªvq Avw_©K m¤ú`
UvKv gy`ªv I bM` w¯’wZ †i‡cvÕ‡Z wewb‡qvM evsjv‡`k miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM e¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i ¯’vbxq gy`ªvq cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU- ¯’vbxq gy`ªvi Avw_©K m¤ú` †gvU Avw_©K m¤ú‡`i kZKiv nv‡i Avw_©K m¤ú`mg~n †gvU- Avw_©K m¤ú`
`vq ˆe‡`wkK gy`ªvq Avw_©K `vq ˆe‡`wkK gy`ªvq e¨vsK I Avw_©K cÖwZôv‡bi Rgv AvBGgGd mswkøó `vq †gvU-ˆe‡`wkK gy`ªvq Avw_©K `vq †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n
¯’vbxq gy`ªvq Avw_©K `vq
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôv‡bi Rgv ¯^í‡gqvw` wewb‡qvM ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq †gvU Avw_©K `vq-¯’vbxq gy`ªvq †gvU Avw_©K `v‡qi kZKiv nv‡i Avw_©K `vqmg~n †gvU- Avw_©K `vq
mKj Avw_©K nvwZqvi Zv‡`i cybtg~j¨vqb mg‡q cÖ`wk©Z, †h¸‡jv †gqv`c~wZ©i Aewkó mg‡qi mgZzj¨|
17,792,227 1,416,960,021
148,468,110 25,283,678 19,451,963
105,186,763 4,595,253
1,737,738,01585.83%
501,735,055 479,878,616 84,454,866 25,283,678
- - -
1,091,352,21599.16%
- 146,197,324
12,871 -
19,451,963 105,186,763
- 270,848,921
89.16%
- 306,941,253
- - - - -
306,941,253 65.62%
- -
64,000,373 - - - -
64,000,373 43.51%
0.02%1.52%0.06%
cÖ‡hvR¨ bq0.36%1.09%
cÖ‡hvR¨ bq
- 14,048,010
14,048,010100.00%
- 167,953,729
167,953,729100.00%
0.08%0.04%
546,240 980,000
168,861,943 7,005,000
108,628,077 929,682
286,950,94214.17%
2,024,688,958
546,240 980,000
4,500,000 250,000.00 2,934,320
- 9,210,560
0.84%1,100,562,775
- -
18,084,206 2,170,000
12,673,653 -
32,927,859 10.84%
303,776,780
- -
122,271,208 3,280,000
35,245,395 -
160,796,603 34.38%
467,737,856
- -
24,006,529 1,305,000
57,774,709 -
83,086,238 56.49%
147,086,611
cÖ‡hvR¨ bq11.86%8.92%4.89%4.01%
cÖ‡hvR¨ bq
149,897,535 188,331,836
338,229,37117.99%
149,897,536 3,833,497
153,731,03372.72%
- 2,496,600
2,496,600100.00%
847,170,600 57,664,690
443,782,003 192,817,857 1,541,435,151
82.01%1,879,664,522
- 57,664,690
- -
57,664,69027.28%
211,395,723
- - - - -
0.00%2,496,600
- - - - -
0.00%14,048,010
- - - - -
0.00%167,953,729
cÖ‡hvR¨ Yq5.67%
cÖ‡hvR¨ bqcÖ‡hvR¨ bq
42.01 c„_K my` nvi SzuwK
weeiYcybtg~j¨vqb mgqKvj30 Ryb
2015Zvwi‡Li
w¯’wZ0 n‡Z 3 gvm ch©šÍ
3 n‡Z 12gvm ch©šÍ
1 n‡Z 5eQi ch©šÍ
5 eQ‡ii AwaK
mg‡qi Rb¨
fvixZMomy`
'000 UvKvq
178
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
'000 UvKvq
1 gvm ch©šÍweeiY
1 n‡Z 3 gvm
1 n‡Z 5 eQi
5 eQ‡iiZ`~‡aŸ©
3 gvm n‡Z 12 gvm
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
43 mgwš^Z Zvij¨ SzuwK
Pzw³wfwËK cybtcwi‡kva ZvwiL hv Avw_©K Ae¯’vi weeiYxi ZvwiL n‡Z Pzw³wfwËK †gqv`c~wZ© ZvwiL ch©šÍ mgqKv‡ji wfwˇZ e¨vs‡Ki Avw_©K m¤ú` I `vqmg~‡ni †gqv`c~wZ© †cÖvdvBj Gi mvims‡ÿc wb‡¤œv³ †Uwe‡j Zz‡j aiv n‡jvt
wb‡¤œv³ mgqKv‡ji g‡a¨ m¤ú` I `vqmg~‡ni †gqv`c~wZ© n‡e t
K) 30 Ryb 2015 Zvwi‡Li Rb¨
ˆe‡`wkK gy`ªvi Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K cÖ`Ë ˆe‡`wkK gy`ªv FY †gvU
¯’vbxq gy`ªvi Avw_©K m¤ú`
UvKv, K‡qb I bM` w¯’wZ miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM ¯’vbxq gy`ªvq e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë FY †gvU †gvU Avw_©K m¤ú`mg~n
ˆe‡`wkK gy`ªvi Avw_©K `vq
e¨vsK I Avw_©K cÖwZôv‡bi Rgv AvBGgGd mswkøó `vq †gvU
¯’vbxq gy`ªvi Avw_©K `vq
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY ¯^í‡gqvw` FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq †gvU †gvU `vq †gqv`c~wZ© wePz¨wZ
21,015,860 554,652,038
72,789,125 6,414,663
16,874,920 10,858,252
682,604,858
- 399,923,459
- - -
42,841,228 442,764,686
- 139,913,581
6,174 -
17,438,800 74,042,606
231,401,160
- 614,504,078
- - - -
614,504,078
- -
58,352,886 - - -
58,352,886
14,483,987 24,354,400
315,000 1,872,484 41,025,871
723,630,729
- - -
7,043,445 7,043,445
449,808,131
- 15,000,000 1,239,086
20,964,276 37,203,362
268,604,522
- 61,000,000 3,700,000 39,691,518
104,391,518 718,895,596
- 11,922,800 1,015,000
72,669,324 85,607,124
143,960,010
149,159,931 1,621,992
150,781,923
- - -
- - -
- 3,314,286 3,314,286
- 162,539,596 162,539,596
973,633,449 180,721,995 503,017,274
- 1,657,372,718 1,808,154,641
(1,084,523,912)
-
- 62,538,213 62,538,213 62,538,213
387,269,919
-
- 111,488,171 111,488,171 111,488,171 157,116,351
-
- -
- 3,314,286
715,581,310
-
- - -
162,539,596 (18,579,586)
179
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
'000 UvKvq
1 gvm ch©šÍweeiY
1 n‡Z 3 gvm
1 n‡Z 5 eQi
5 eQ‡iiZ`~‡aŸ©
3 gvm n‡Z 12 gvm
501,735,055 32,802
84,454,866 25,283,678
- -
611,506,401
- 479,845,814
-
- -
479,845,814
- 146,197,324
12,871
19,451,963 105,186,763
4,595,253 275,444,174
- 306,941,253
-
-
306,941,253
- -
64,000,373
-
64,000,373
1,356,424 980,000
-
-
- 2,336,424
613,842,825
- -
4,500,000 250,000
2,934,320
- 7,684,320
487,530,134
- -
18,084,206 4,050,472
12,673,653
1,145,214 35,953,545
311,397,719
- -
122,271,208 3,280,000
35,245,395
- 160,796,603 467,737,856
- -
24,006,529 805,000
58,851,326
- 83,662,855
147,663,228
149,897,536 2,432,041
152,329,577
- 1,401,456 1,401,456
- 2,496,600 2,496,600
- 14,048,010 14,048,010
- 167,953,729 167,953,729
847,170,600 57,664,690
443,782,003.2 41,199,148
1,389,816,441 1,542,146,018 (928,303,194)
-
-
- 1,401,456
486,128,678
-
- 109,432,934 109,432,934 111,929,534 199,468,185
-
- 42,684,694 42,684,694 56,732,704
411,005,153
-
- - -
167,953,729 (20,290,501)
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
43 mgwš^Z Zvij¨ SzuwK
L) 30 Ryb 2014 Zvwi‡Li Rb¨
ˆe‡`wkK gy`ªvi Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU
¯’vbxq gy`ªvq Avw_©K m¤ú`
UvKv, K‡qb I bM` w¯’wZ †i‡cv‡Z wewb‡qvM evsjv‡`k miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªv wewb‡qvM e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë FY ¯’vbxq gy`ªvq ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU †gvU Avw_©K m¤ú`mg~n
ˆe‡`wkK gy`ªvi Avw_©K `vq
e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY ˆe‡`wkK gy`ªvq AvBGgGd Gi mv‡_ iwÿZ `vqmg~n †gvU
¯’vbxq gy`ªvi Avw_©K `vq
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY ¯^í‡gqvw` FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq †gvU †gvU `vqmg~n †gqv`c~wZ© wePz¨wZ
180
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
'000 UvKvq
1 gvm ch©šÍweeiY
1 n‡Z 3 gvm
1 n‡Z 5 eQi
5 eQ‡iiZ`~‡aŸ©
3 gvm n‡Z 12 gvm
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
43.01 c„_K Zvij¨ SzuwK
K) 30 Ryb 2015 Zvwi‡Li Rb¨
ˆe‡`wkK gy`ªvi Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU
¯’vbxq gy`ªvi Avw_©K m¤ú`
UvKv, K‡qb I bM` w¯’wZ miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë FY ¯’vbxq gy`ªvq †gvU †gvU Avw_©K m¤ú`mg~n
ˆe‡`wkK gy`ªvi Avw_©K `vq
e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY ˆe‡`wkK gy`ªvq AvBGgGd Gi mv‡_ iwÿZ `vqmg~n †gvU
¯’vbxq gy`ªvi Avw_©K `vq
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY MÖnY ¯^í‡gqvw` FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq †gvU †gvU `vqmg~n †gqv`c~wZ© wePz¨wZ
21,015,860 554,652,038
72,789,125 6,414,663
16,874,920 10,858,252
- 682,604,858
- 399,923,459
- -
42,841,228 -
442,764,686
- 139,913,581
6,174 -
17,438,800 74,042,606
- 231,401,160
- 614,504,078
- -
- 614,504,078
- -
58,352,886 -
- 58,352,886
321,706 24,354,400
145,000
1,872,484 26,693,590
709,298,448
- -
170,000
7,043,445 7,213,445
449,978,131
- 15,000,000
765,000
20,964,276 36,729,276
268,130,436
- 61,000,000 3,700,000
39,564,793
104,264,793 718,768,871
- 11,922,800 13,015,000
71,669,324 96,607,124
154,960,010
149,159,931 1,621,992
150,781,923
- - -
- - -
- 3,314,286 3,314,286
- 162,539,596 162,539,596
973,633,449 180,721,995 503,017,274
- 1,657,372,718 1,808,154,641
(1,098,856,193)
- - -
62,538,213 62,538,213 62,538,213
387,439,919
- - -
108,934,018 108,934,018 108,934,018 159,196,418
- - - -
- 3,314,286
715,454,585
- - - - -
162,539,596 (7,579,586)
181
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
'000 UvKvq
1 gvm ch©šÍweeiY
1 n‡Z 3 gvm
1 n‡Z 5 eQi
5 eQ‡iiZ`~‡aŸ©
3 gvm n‡Z 12 gvm
501,735,055 32,802
84,454,866 25,283,678
- - -
611,506,401
- 479,845,814
- - - - -
479,845,814
- 146,197,324
12,871 -
19,451,963 105,186,763
4,595,253 275,444,174
- 306,941,253
- - - - -
306,941,253
-
64,000,373 - - - -
64,000,373
546,240 980,000
- 250,000
- -
1,776,240 613,282,641
- -
4,500,000 -
2,934,320
- 7,434,320
487,280,134
- -
18,084,206 2,170,000
12,673,653
929,682 33,857,541
309,301,715
- -
122,271,208 3,280,000
35,245,395
- 160,796,603 467,737,856
- -
24,006,529 1,305,000
57,774,709 -
83,086,238 147,086,611
149,897,536 1,624,626
151,522,162
- 2,208,871 2,208,871
- 2,496,600 2,496,600
- 14,048,010 14,048,010
- 167,953,729 167,953,729
847,170,600 57,664,690
443,782,003 41,199,148.2
1,389,816,441 1,541,338,603 (928,055,963)
- - - - -
2,208,871 485,071,263
- - -
108,934,018 108,934,018 111,430,618 197,871,097
- - -
42,684,691 42,684,691 56,732,701
411,005,155
- - - - -
167,953,729 (20,867,118)
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
43.01 c„_K Zvij¨ SzuwK
L) 30 Ryb 2014 Zvwi‡Li Rb¨
ˆe‡`wkK gy`ªvi Avw_©K m¤ú`
ˆe‡`wkK gy`ªv wnmve ˆe‡`wkK wewb‡qvM AvBGgGd Gi mv‡_ iwÿZ m¤ú` ¯^Y© I †iŠc¨ ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU
¯’vbxq gy`ªvq Avw_©K m¤ú`
UvKv, K‡qb I bM` w¯’wZ †i‡cv‡Z wewb‡qvM evsjv‡`k miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªv wewb‡qvM e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë FY ¯’vbxq gy`ªvq ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` †gvU †gvU Avw_©K m¤ú`mg~n
ˆe‡`wkK gy`ªvi Avw_©K `vq
e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY ˆe‡`wkK gy`ªvq AvBGgGd Gi mv‡_ iwÿZ `vqmg~n †gvU
¯’vbxq gy`ªvi Avw_©K `vq
cÖPviYK…Z gy`ªv ¯’vbxq gy`ªvq e¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY MÖnY ¯^í‡gqvw` FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq †gvU †gvU `vqmg~n †gqv`c~wZ© wePz¨wZ
182
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
m¤ú`
Ab¨vb¨ †K›`ªxq e¨vsK Ges ewntwe‡k¦i evwYwR¨K e¨vs‡K Rgv
¯^íZg †gqvw` wewb‡qvM
ewntwe‡k¦i evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvM
†U«Rvwi wej
we‡`wk eÛ
Ab¨vb¨ e¨vs‡Ki FY
cÖvc¨ my`
AvBGgGd mswkøó m¤ú`
†gvU
`vq
Ab¨vb¨ e¨vs‡Ki Rgv
AvBGgGd mswkøó `vq
wmwKDwiwUR
`vwi`ª¨ we‡gvPb I cÖe„w× mnvqZv FY
GmwWAvi eivÏ
ewa©Z FY myweav
Ab¨vb¨
†gvU
wbU
456,204
244,402,177
516,728,208
83,279,606
570,457,535
127,742,085
4,987,491
-
1,548,053,305
147,778,657
-
-
-
-
-
147,778,657
1,400,274,649
-
-
-
-
-
-
89,138
-
89,138
-
-
-
-
-
-
-
89,138
6,576,637
2,991,376
4,331,991
-
86,313,413
-
1,080,017
-
101,293,434
972,876
-
-
-
-
-
972,876
100,320,558
2,294,103
-
79,055,301
-
7,434,308
-
121,090
-
88,904,803
397,554
-
-
-
-
-
397,554
88,507,248
9,162,609
-
-
-
-
-
-
-
9,162,609
7,558
-
-
-
-
-
7,558
9,155,051
581,064
-
27,628,702
-
2,561,816
-
56,313
-
30,827,895
3,286
-
-
-
-
-
3,286
30,824,609
716,823
-
32,905,057
-
8,210,537
-
305,877
-
42,138,294
-
-
-
-
-
-
-
42,138,294
938,753
-
12,312,831
-
4,276,691
-
38,573
-
17,566,849
-
-
-
-
-
-
-
17,566,849
-
-
-
-
-
-
-
131,148,185
131,148,185
-
56,675,010
3,314,286
55,847,748
50,016,838
1,621,992
167,475,874
(36,327,690)
289,666
-
1,503,789
-
-
-
1,886
-
1,795,341
-
-
-
-
-
-
-
1,795,341
weeiY gvt WtmgZzj¨
BD‡ivmgZzj¨
wRwewcmgZyj¨
Kvt WtmgZzj¨
B‡qbmgZzj¨
At WtmgZzj¨
GmwWAvimgZzj¨
wmGbIAvBmgZzj¨
Ab¨vb¨mgZzj¨
¯^Y© I†iŠc¨
mgZzj¨
K) 30 Ryb 2015 Zvwi‡Li Rb¨ '000 UvKvq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
44 gy`ªv SzuwK
ˆe‡`wkK gy`ªvq Avw_©K m¤ú` I `vq
183
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
m¤c`Ab¨vb¨ †K›`ªxq e¨vsK Ges ewntwe‡k¦i evwYwR¨K e¨vs‡K Rgvewntwe‡k¦i evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvM†U«Rvwi wejwe‡`wk eÛAb¨vb¨ e¨vs‡K FYcÖvc¨ my`AvBGgGd mswkøó m¤c`Ab¨vb¨ ˆe‡`wkK m¤ú`†gvU`vqAb¨vb¨ e¨vs‡Ki RgvAvBGgGd mswkøó `vqcÖvK…wZK `y‡hv©‡M Riæwi mnvqZv`vwi`ª¨ we‡gvPb I cÖe„w× mnvqZvi FYGmwWAvi eivÏewa©Z FY myweavAb¨vb¨†gvU wbU
449,191,353
338,244,163
83,075,583 261,786,922 105,186,763
3,104,213 - -
1,240,588,997
148,615,380
-
-
- - -
148,615,380 1,091,973,617
-
-
- - - - - - -
-
-
-
- - - - -
41,371,602
26,577,179
- 57,253,584
- 897,789
- -
126,100,154
763,722
-
-
- - -
763,722 125,336,432
1,779,970
53,811,550
- 18,022,727
- 147,713
- -
73,761,959
505,776
-
-
- - -
505,776 73,256,183
7,208,389
-
-
- - - -
7,208,389
8,851
-
-
- - -
8,851 7,199,538
923,089
23,688,692
- 3,636,843
- 72,602
- -
28,321,226
3,806
-
-
-
- 3,806
28,317,420
146,192
32,671,149
- 11,702,732
- 332,462
- -
44,852,535
-
-
- - - -
44,852,535
843,123
1,504,615
- 5,488,084
- 18,048
- -
7,853,870
-
-
- - - -
7,853,870
-
-
-
- -
148,468,110 -
148,468,110
62,320,401
8,266,285
61,252,784 54,857,548
1,634,818 188,331,836 (39,863,726)
271,338
15,553,368
-
- 22,346
80.00 15,847,132
- 15,847,132
weeiY gvt WtmgZzj¨
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mgZzj¨
L) 30 Ryb 2014 Zvwi‡Li Rb¨ '000 UvKvq
44 gy`ªv SzuwK
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evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
184
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
45 ms‡e`bkxjZv we‡kølY
K) 30 Ryb 2015 Zvwi‡L Ab¨vb¨ m~PK AcwiewZ©Z †_‡K my‡`i nvi kZKiv 1 fvM n«vm †c‡j e¨vs‡Ki gybvdv 10,093 wgwjqb UvKv Kg n‡Zv (2014: 18,666 wgwjqb UvKv) hv g~jZ Avw_©K m¤ú‡`i my` Avq n«vm cvIqvi d‡j n‡Zv| wecix‡Z Ab¨vb¨ m~PK AcwiewZ©Z †_‡K my‡`i nvi kZKiv 1 fvM e„w× †c‡j gybvdv 10,093 wgwjqb UvKv †ewk n‡Zv (2014: 18,666 wgwjqb UvKv) hv g~jZ Avw_©K m¤ú‡`i my` Avq e„w× cvIqvi d‡j n‡Zv| my` e¨vs‡Ki cÖavb Av‡qi Drm nIqvq my` nv‡ii cwieZ©b e¨vs‡Ki gybvdvi Dci AwaK ms‡e`bkxj|
30 Ryb 2015 Zvwi‡L Ab¨vb¨ m~PK AcwiewZ©Z †_‡K UvKvi g~j¨gvb kZKiv 10 fvM n«vm †c‡j ˆe‡`wkK gy`ªv wiRvf© n‡Z gybvdv 3,662 wgwjqb UvKv e„w× †c‡Zv (2014: 1,314 wgwjqb UvKv)| wecix‡Z Ab¨vb¨ m~PK AcwiewZ©Z †_‡K UvKvi g~j¨gvb kZKiv 10 fvM e„w× †c‡j gybvdvi cwigvY 3,662 wgwjqb UvKv n«vm †c‡Zv (2014: 1,314 wgwjqb UvKv)| 30 Ryb 2015 Zvwi‡L Ab¨vb¨ m~PK AcwiewZ©Z †_‡K ˆe‡`wkK wiRv‡f©i AšÍfz©³ ¯^‡Y©i g~j¨gvb kZKiv 10 fvM n«vm †c‡j mvgwMÖK Avq 482 wgwjqb UvKv e„w× †c‡Zv (2014: 410 wgwjqb UvKv)| wecix‡Z Ab¨vb¨ m~PK AcwiewZ©Z †_‡K ˆe‡`wkK wiRv‡f©i AšÍfz©³ ¯^‡Y©i g~j¨gvb kZKiv 10 `k fvM e„w× †c‡j mvgwMÖK Avq 482 wgwjqb UvKv n«vm †c‡Zv (2014: 410 wgwjqb UvKv)| e¨vs‡Ki gybvdv Ges mvgwMÖK Avq wewbgq nv‡ii mv‡_ AwZ ms‡e`bkxj|
L) mgwš^Z cÖK…Z g~j¨
cÖK…Z g~j¨ n‡jv †mB g~j¨ hv g~j¨vqb Zvwi‡L ¯^íZg mg‡q AvMÖnx RvZ cÿ؇qi g‡a¨ m¤ú` wewbgq ev `vq cwi‡kv‡a e¨eüZ nq (D`vniY ¯^iƒc-weμqg~j¨)| m¤ú` I `v‡qi †cvU©‡dvwjI Abymv‡i e¨e¯’vcbv KZ…©c‡ÿi aviYvi Dci wfwË K‡i cÖK…Z g~j¨ aiv n‡q‡Q| AvBGdAviGm †gvZv‡eK m¤ú` Ges `vqmg~‡ni cÖK…Z g~j¨ cÖ`k©b Ki‡Z n‡e AvBGdAviGm-13 cÖK…Z g~j¨ g~j¨vqb G ewY©Z †kÖwYKiY Abyhvqx| wb¤œwjwLZ ZvwjKvq Avw_©K m¤ú` Ges `vqmg~‡ni evwnZ g~j¨ Ges cÖK…Z g~‡j¨i mvi-ms‡ÿc Zz‡j aiv n‡jv t
Avw_©K m¤ú` - cÖK…Z g~‡j¨
gvt Wjvi †UªRvwi wej ˆe‡`wkK eÛ ¯^Y© I †iŠc¨ ¯^Y© †jb‡`b eve` `vwe miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM
83,279,606 679,254,220
6,414,663 34,181,082 1,085,185 6,269,088
83,075,584 357,890,893 25,283,678 19,451,963 37,351,943 8,385,472
83,279,606 679,254,220
6,414,663 34,181,082 1,085,185 6,269,088
83,075,584 357,890,893 25,283,678 19,451,963 37,351,943 8,385,472
evwnZ g~j¨
2015 2014 2015 2014
cÖK…Z g~j¨
185
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
Avw_©K m¤ú` - cÖK…Z g~‡j¨
gvt Wjvi †UªRvwi wej ˆe‡`wkK eÛ ¯^Y© I †iŠc¨ miKvi‡K cÖ`Ë FY ¯’vbxq gy`ªvq wewb‡qvM
83,279,606 679,254,220
6,414,663 1,085,185
17,795,000
83,075,584 357,890,893 25,283,678 37,351,943 7,005,000
83,279,606 679,254,220
6,414,663 1,085,185
17,795,000
83,075,584 357,890,893 25,283,678 37,351,943 7,005,000
evwnZ g~j¨
2015 2014 2015 2014
cÖK…Z g~j¨
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
L) c„_K cÖK…Z g~j¨
Avw_©K m¤ú` - Ae‡jvcbK…Z g~‡j¨ ˆe‡`wkK gy`ªv wnmve ¯^íZg †gqvw` wewb‡qvM ewntwe‡k¦i evwYwR¨K e¨vs‡K
¯^í‡gqvw` wewb‡qvM AvBGgGd mswkøó m¤ú` e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ Avw_©K m¤ú` miKvi‡K cÖ`Ë FY †i‡cv‡Z wewb‡qvM e¨vsK, Avw_©K cÖwZôvb Ges
Kg©KZ©v‡`i cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú` UvKv, K‡qb I bM` w¯’wZ Avw_©K `vq AvBGgGd mswkøó `vq e¨vsK I Avw_©K cÖwZôv‡bi Rgv cÖPviYK…Z †bvU ¯^í‡gqvw` FY Ab¨vb¨ ˆe‡`wkK `vq
21,015,860 247,393,553
674,465,879 131,148,185 127,742,085
6,680,465 111,204,400
-
107,040,213 531,648
14,483,987
167,475,874 652,177,206 973,633,449 180,721,995 174,121,257
17,792,227 483,942,828
492,050,716 148,468,110 105,186,763
4,595,253 131,510,000
980,000
109,704,694 1,145,214 1,356,424
188,331,836 743,577,076 847,170,600 57,664,690
193,316,773
21,015,860 247,393,553
674,465,879 131,148,185 127,742,085
6,680,465 111,204,400
-
107,040,213 531,648
14,483,987
167,475,874 652,177,206 973,633,449 180,721,995 174,121,257
17,792,227 483,942,828
492,050,716 148,468,110 105,186,763
4,595,253 131,510,000
980,000
109,704,694 1,145,214 1,356,424
188,331,836 743,577,076 847,170,600 57,664,690
193,316,773
evwnZ g~j¨
2015 2014 2015 2014
cÖK…Z g~j¨
186
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
Avw_©K m¤ú‡`i cÖK…Z g~j¨ wba©viY
AvBGdAviGm 13 Abyhvqx weμ‡qi Rb¨ aviYK…Z ˆe‡`wkK wmwKDwiwURmg~‡ni cÖK…Z g~j¨ n‡”Q D×…Zc‡Îi (2014: ˆe‡`wkK wmwKDwiwURmg~‡ni weμ‡qi Rb¨ aviYK…Z cÖK…Z g~‡j¨) Zvwi‡L Zv‡`i evRvi g~j¨ wmwKDwiwU wcÖw›Us Ki‡cv‡ikb (evsjv‡`k) wjwg‡UW Gi †kqvimg~n hvi cÖK…Z g~j¨ UvKv 12,000,000,000 (2014: UvKv 500,000,000) ¯’vbxq gy`ªvi Avw_©K wewb‡qv‡Mi AšÍf©y³ Ges evsjv‡`k nvDm wewìs dvBb¨vÝ K‡c©v‡ikb Gi wW‡eÂvi hvi g~j¨ UvKv 5,795,000,00 (2014 : UvKv 6,500,000,000) Gi †Kvb evRvi g~j¨ bv _vKvq Ges Abyiƒc †Kvb †kqvi evRv‡i †jb‡`b bv nIqvq Gi cÖK…Z g~j¨ wbY©q m¤¢e nqwb| e¨vsK KZ…©cÿ g‡b K‡i G mKj †kqv‡ii evwnZ g~j¨B Zv‡`i cÖK…Z g~j¨|
miKvi‡K cÖ`Ë FYmg~n D`vniY¯^iƒc I‡qR A¨vÛ wgbm&, IfviWªvdU eøK Ges IfviWªvdU Kv‡i›U cÖK…Zg~‡j¨ aviY Kiv nq †h‡nZz Gi e‡Kqv m y` ˆ`wbK wfwˇZ Av`vq Kiv nq| weμ‡qi Rb¨ aviYK…Z miKvwi wmwKDwiwURmg~n (†U«Rvwi wej Ges eÛ) cÖK…Z g~‡j¨ †`Lv‡bv nq (2014 : miKvwi wmwKDwiwURmg~n (†U«Rvwi wej Ges eÛ) cÖK…Z g~‡j¨ weμ‡qi Rb¨ aviYK…Z)| e¨vsK, Avw_©K cÖwZôvb I Kg©Pvix‡`i cÖ`Ë AvMvg G‡gviUvB‡Rkb K‡i I Bg‡cqvi‡g›U cÖwfk‡bi mv‡_ wbU K‡i †`Lv‡bv n‡q‡Q| Zv‡`i evwnZ g~j¨‡KB cÖK…Z g~j¨ wnmv‡e MY¨ Kiv n‡q‡Q|
46 Avw_©K nvwZqvimg~‡ni mgwš^Z †kÖwYKiY
AvBGGm 39 Abyhvqx, Avw_©K m¤ú`mg~n 4 †kÖwY‡Z †kÖwYKiY Kiv n‡q‡Q †hgb jvf/ÿwZi gva¨‡g Avw_©K m¤ú‡`i cÖK…Z g~j¨, weμ‡qi Rb¨ aviYK…Z Avw_©K m¤ú`mg~n, FY Ges cÖvc¨mg~n Ges †gqv`c~wZ© ch©šÍ wewb‡qvMmg~n cÿvšÍ‡i Avw_©K `vqmg~n jvf/ÿwZi gva¨‡g Ges G‡gviUvB‡Rkb Gi gva¨‡g cÖK…Zg~‡j¨ †kÖwYKiY Kiv n‡q‡Q| Avw_©K weeiYx‡Z wKfv‡e wbw ©ó Avw_©K m¤ú`mg~n †`Lv‡bv n‡e †m D‡Ï‡k¨ G †kÖwYKiY Kiv n‡q‡Q|
Avw_©K m¤ú` - Ae‡jvcbK…Z g~‡j¨ ˆe‡`wkK gy`ªv wnmve ¯^íZg †gqvw` wewb‡qvM AvBGgGd mswkøó m¤ú` ¯^Y© †jb‡`bRwbZ `vwe e¨vsKmg~n‡K ˆe‡`wkK gy`ªvq cÖ`Ë FY ˆe‡`wkK gy`ªvq Ab¨vb¨ Avw_©K m¤ú` miKvi‡K cÖ`Ë FY †i‡cv‡Z wewb‡qvM e¨vsK, Avw_©K cÖwZôvb Ges
Kg©KZ©v‡`i cÖ`Ë FY ¯’vbxq gy`ªvq Ab¨ Avw_©K m¤ú` UvKv, K‡qb I bM` w¯’wZ Avw_©K `vq AvBGgGd mswkøó `vq e¨vsK I Avw_©K cÖwZôv‡bi Rgv cÖPviYK…Z †bvU ¯^í‡gqvw` FY ¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K `vq
21,015,860 247,393,553 131,148,185 34,181,082
127,742,085 6,680,465
111,204,400 -
105,913,487
169,283 321,706
167,475,874 503,017,274 973,633,449 180,721,995 171,567,104
17,792,227 483,942,828 148,468,110 19,451,963
105,186,763 4,595,253
131,510,000 980,000
108,628,077
929,682 546,240
188,331,836 593,679,541 847,170,600 57,664,690
192,817,857
21,015,860 247,393,553 131,148,185 34,181,082
127,742,085 6,680,465
111,204,400 -
105,913,487
169,283 321,706
167,475,874 503,017,274 973,633,449 180,721,995 171,567,104
17,792,227 483,942,828 148,468,110 19,451,963
105,186,763 4,595,253
131,510,000 980,000
108,628,077
929,682 546,240
188,331,836 593,679,541 847,170,600 57,664,690
192,817,857
evwnZ g~j¨
2015 2014 2015 2014
cÖK…Z g~j¨
187
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
K) 30 Ryb 2015 Zvwi‡Li Rb¨ Avw_©K m¤ú`mg~n
weeiY FY GescÖvc¨mg~n
†gqv`c~wZ© ch©šÍ†h wewb‡qvMmg~n
a‡i ivLv n‡eweμq‡hvM¨
m¤ú‡`i cÖK…Z g~j¨ hv jvf/ÿwZ wnmv‡e
cÖ`wk©Z n‡q‡QUvKv, gy`ªv Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvMBDGm Wjvi †UªRvwi wejˆe‡`wkK eÛmg~nAvBGgGd-Gi mv‡_ iwÿZ m¤ú`mg~n¯^Y© I †iŠc¨¯^Y© †jb‡`bRwbZ `vweˆe‡`wkK gy`ªvq e¨vsKmg~n‡K cÖ`Ë FYAb¨vb¨ ˆe‡`wkK m¤ú`myBdU&& †kqvicÖvc¨ my`miKvi‡K cÖ`Ë FYIfviW«vdU&-eøKW (miKv‡ii †UªRvwi wej)IfviWªvdU&-Kv‡i›U†UªRvwi wej†U«Rvwi eÛ¯’vbxq gy`ªvq wewb‡qvMwW‡eÂvi-nvDm wewìs dvBb¨vÝ K‡c©v‡ikb¯^í‡gqv‡` gy`ªv evRv‡i wewb‡qvM Ges Ab¨vb¨AvBwmwe Bmjvgx e¨vsK-Gi †kqvie¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i
†`kxq gy`ªvq cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYwe‡klvwqZ e¨vsK‡K cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYAb¨vb¨ FY I AvMvgcÖvc¨ my`Kg©KZ©v‡`i cÖ`Ë FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
14,483,987 268,409,412
674,465,879 - -
131,148,185 - -
127,742,085
- 6,680,385
24,354,400 86,850,000
- - - -
462,501 -
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
31,233,004 531,648
1,442,168,694
- -
- - - - - - -
- -
- - - - - - - -
- - - - - - - -
- -
- - - - - - -
- -
- - - - - - - -
- - - - - - - -
- -
- 83,279,606
678,881,294 -
6,414,663 34,181,082
-
80 -
- 1,085,185
- -
5,795,000 -
7,452
- - - - - - -
809,644,362
'000 UvKvq
'000 UvKvqAvw_©K `vqmg~n
weeiY Ae‡jvcbK…Zg~‡j¨ cÖ`wk©Z †gvU
jvf/ÿwZ wnmv‡eigva¨‡g cÖ`wk©Z `vqmg~n
AvBGgGd-Gi mv‡_ iwÿZ `vqmg~ne¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnYevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqb (AvKz)cÖPviYK…Z gy`ªve¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY- ¯’vbxq gy`ªvq¯^í‡gqvw` FY†gvU
167,475,874
78,892,716 70,261,285
973,633,449 503,017,274 180,721,995
1,974,002,593
-
- - - - - -
167,475,874
78,892,716 70,261,285
973,633,449 503,017,274 180,721,995
1,974,002,593
188
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
L) 30 Ryb 2014 Zvwi‡Li Rb¨ Avw_©K m¤ú`mg~n
weeiY FY GescÖvc¨mg~n
†gqv`c~wZ© ch©šÍ†h wewb‡qvMmg~n
a‡i ivLv n‡eweμq‡hvM¨
m¤ú‡`i cÖK…Z g~j¨ hv jvf/ÿwZ wnmv‡e
cÖ`wk©Z n‡q‡QUvKv, gy`ªv Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvMBDGm Wjvi †UªRvwi wejˆe‡`wkK eÛmg~nAvBGgGd-Gi mv‡_ iwÿZ m¤ú`mg~n¯^Y© I †iŠc¨¯^Y© †jb‡`bRwbZ `vweˆe‡`wkK gy`ªvq e¨vsKmg~n‡K cÖ`Ë FYAb¨vb¨ ˆe‡`wkK m¤ú`myBdU& †kqvicÖvc¨ my`
miKvi‡K cÖ`Ë FYIfviW«vdU&-eøKW (miKv‡ii †UªRvwi wej)IfviWªvdU&-Kv‡i›U†UªRvwi wej†U«Rvwi eÛ†i‡cv Pzw³wewb‡qvMwW‡eÂvi-nvDm wewìs dvBb¨vÝ K‡c©v‡ikb¯^í‡gqv‡` gy`ªv evRv‡i wewb‡qvM Ges Ab¨vb¨AvBwmwe Bmjvgx e¨vsK-Gi †kqvie¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i
†`kxq gy`ªvq cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYwe‡klvwqZ e¨vsK‡K cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYAb¨vb¨ FY I AvMvgcÖvc¨ my`Kg©KZ©v‡`i cÖ`Ë FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
1,356,424 501,735,055
492,050,716
148,468,110
105,186,763
4,595,173
131,510,000
980,000
4,105,182 39,512,833 2,634,900
28,601,184 7,595,016
27,255,579 1,145,214
1,496,732,149
- -
- - - - - - -
- -
- - - -
- - -
-
- - - - - - -
- -
- - - - - - -
- -
- - - -
- - -
-
- - - - - - -
- -
- 83,075,584
357,890,893 -
25,283,678 19,451,963
-
80 -
-
2,327,168 35,024,775
-
6,505,000 1,873,020
7,452
- -
531,439,613
'000 UvKvq
'000 UvKvqAvw_©K `vqmg~n
weeiY Ae‡jvcbK…Zg~‡j¨ cÖ`wk©Z †gvU
jvf/ÿwZ wnmv‡eigva¨‡g cÖ`wk©Z `vqmg~n
AvBGgGd-Gi mv‡_ iwÿZ `vqmg~ne¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnYevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqbcÖPviYK…Z gy`ªve¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY¯^í‡gqvw` FY†gvU
188,331,836
74,804,441 75,093,095
847,170,600 443,782,003
57,664,690 1,686,846,665
-
- - - - - -
188,331,836
74,804,441 75,093,095
847,170,600 443,782,003
57,664,690 1,686,846,665
189
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
K) 30 Ryb 2015 Zvwi‡Li Rb¨ Avw_©K m¤ú`mg~n
46.01 Avw_©K nvwZqvimg~‡ni †kÖwYweb¨vm (c„_K)
weeiY FY GescÖvc¨mg~n
†gqv`c~wZ© ch©šÍ†h wewb‡qvMmg~n
a‡i ivLv n‡eweμq‡hvM¨ †gvU
m¤ú‡`i cÖK…Z g~j¨ hv jvf/ÿwZ wnmv‡e
cÖ`wk©Z n‡q‡QUvKv,gy`ªv Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvMBDGm Wjvi †UªRvwi wejˆe‡`wkK eÛmg~nAvBGgGd-Gi mv‡_ iwÿZ m¤ú`mg~n¯^Y© I †iŠc¨¯^Y© †jb‡`bRwbZ `vweˆe‡`wkK gy`ªvq e¨vsKmg~n‡K cÖ`Ë FYAb¨vb¨ ˆe‡`wkK m¤ú`myBdU& †kqvicÖvc¨ my`miKvi‡K cÖ`Ë FYIfviW«vdU -eøKW (miKv‡ii †UªRvwi wej)IfviWªvdU- Kv‡i›U†UªRvwi wej†U«Rvwi eÛ
¯’vbxq gy`ªvq wewb‡qvMwW‡eÂvi-nvDm wewìs dvBb¨vÝ K‡c©v‡ikbmvewWqvwi‡Z wewb‡qvM e¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i
†`kxq gy`ªvq cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYwe‡klvwqZ e¨vsK‡K cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYAb¨vb¨ FY I AvMvgcÖvc¨ my`Kg©KZ©v‡`i cÖ`Ë FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
321,706 268,409,412
674,465,879 - -
131,148,185 - -
127,742,085
- 6,680,385
24,354,400 86,850,000
- -
4,963,167
33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
1,426,054,822
- -
- - - - - - -
- -
- - - -
- - -
- - - - - - - -
- -
- - - - - - -
- -
- - - -
- - -
- - - - - - - -
- -
- 83,279,606
678,881,294 -
6,414,663 34,181,082
-
80 -
- - -
1,085,185
5,795,000.00 12,000,000.00
- - - - - - -
821,636,910
321,706 268,409,412
674,465,879 83,279,606
678,881,294 131,148,185
6,414,663 34,181,082
127,742,085 - 80
6,680,385
24,354,400 86,850,000
- 1,085,185
5,795,000 12,000,000
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
2,247,691,732
'000 UvKvq
'000 UvKvqAvw_©K `vqmg~n
weeiY Ae‡jvcbK…Zg~‡j¨ cÖ`wk©Z †gvUjvf/ÿwZ wnmv‡ei
gva¨‡g cÖ`wk©Z `vqmg~nAvBGgGd-Gi mv‡_ iwÿZ `vqmg~ne¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnYevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqb (AvKz)cÖPviYK…Z gy`ªve¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnY- ¯’vbxq gy`ªvq¯^í‡gqvw` FY†gvU
167,475,874
78,892,716 70,261,285
973,633,449 503,017,274 180,721,995
1,974,002,593
-
- - - - -
-
167,475,874
78,892,716 70,261,285
973,633,449 503,017,274 180,721,995
1,974,002,593
190
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
L) 30 Ryb 2014 Zvwi‡Li Rb¨ Avw_©K m¤ú`mg~n
weeiY FY GescÖvc¨mg~n
†gqv`c~wZ© ch©šÍ†h wewb‡qvMmg~n
a‡i ivLv n‡eweμq‡hvM¨ †gvU
m¤ú‡`i cÖK…Z g~j¨ hv jvf/ÿwZ wnmv‡e
cÖ`wk©Z n‡q‡QUvKv,gy`ªv Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vs‡K ¯^í‡gqvw` wewb‡qvMBDGm Wjvi †UªRvwi wejˆe‡`wkK eÛmg~nAvBGgGd-Gi mv‡_ iwÿZ m¤ú`mg~n¯^Y© I †iŠc¨¯^Y© †jb‡`bRwbZ `vweˆe‡`wkK gy`ªvq e¨vsKmg~n‡K cÖ`Ë FYAb¨vb¨ ˆe‡`wkK m¤ú`myBdU& †kqvicÖvc¨ my`miKvi‡K cÖ`Ë FYAvMvg Dcvq I DcKiYIfviW«vdU&-eøKW (miKv‡ii †UªRvwi wej)IfviWªvdU&-Kv‡i›U†UªRvwi wej†U«Rvwi eÛ†i‡cv Pzw³wewb‡qvMwW‡eÂvi-nvDm wewìs dvBb¨vÝ K‡c©v‡ikbmvewmwWqvwi‡Z wewb‡qvMe¨vsK, Avw_©K cÖwZôvb Ges Kg©KZ©v‡`i
†`kxq gy`ªvq cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYwe‡klvwqZ e¨vsK‡K cÖ`Ë FYevwYwR¨K e¨vsK‡K cÖ`Ë FYAb¨vb¨ FY I AvMvgcÖvc¨ my`Kg©KZ©v‡`i cÖ`Ë FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
546,241 501,735,055
492,050,716 - -
148,468,110 - -
105,186,762
- 4,595,173
- 131,510,000
- - -
980,000
- -
4,105,182 39,512,833 2,634,900
28,601,184 7,595,016
26,178,962 929,682
1,494,629,817
- -
- - - - - - -
- -
- - -
-
-
- - - - - - - -
- -
- - - - - - -
- -
- - -
-
-
- - - - - - - -
- -
- 83,075,583
357,890,893 -
25,283,678 19,451,963
-
80 -
- - -
2,327,168 35,024,775
-
6,505,000 500,000
530,059,140
546,241 501,735,055
492,050,716 83,075,583
357,890,893 148,468,110 25,283,678 19,451,963
105,186,762
80 4,595,173
- -
131,510,000 -
2,327,168 35,024,775
980,000 -
6,505,000 500,000
-
4,105,182 39,512,833 2,634,900
28,601,184 7,595,016
26,178,962 929,682
2,024,688,957
'000 UvKvq
'000 UvKvqAvw_©K `vqmg~n
weeiY Ae‡jvcbK…Zg~‡j¨ cÖ`wk©Z †gvUjvf/ÿwZ wnmv‡ei
gva¨‡g cÖ`wk©Z `vqmg~nAvBGgGd-Gi mv‡_ iwÿZ `vqmg~ne¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZ MÖnYevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqbcÖPviYK…Z gy`ªv¯^í‡gqvw` FY¯^í‡gqvw` FY†gvU
188,331,836
74,804,441 75,093,095
847,170,600 57,664,690
443,782,003 1,686,846,665
-
- - - - -
-
188,331,836
74,804,441 75,093,095
847,170,600 57,664,690
443,782,003 1,686,846,665
191
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
47 Avw_©K nvwZqvimg~‡ni mgwš^Z †kÖwYKiY
cÖK…Z g~‡j¨i ¯Íiweb¨v‡mi gva¨‡g Avw_©K m¤ú` I `vqmg~‡ni we‡kølY
†Mvôx AvBGdAviGm-13 Abymv‡i wb‡¤œv³ avc AbymiY K‡i cÖK…Z g~j¨ cwigvc K‡i hv cwigvcKi‡Y e¨eüZ DcKi‡Yi Zvrch© cÖwZdwjZ K‡i| ¯Íiweb¨vmwU g~j¨vqb †KŠk‡j e¨eüZ DcKiYmg~n‡K wZbwU ¯Í‡i web¨¯Í K‡i| ¯Íiweb¨vmwU ch©‡eÿY‡hvM¨ m¤ú` A_ev `vqmg~‡ni Rb¨ Kvh©Kix evRv‡ii (Amgwš^Z) AwfwnZ g~j¨‡K m‡e©v”P Ges ch©‡eÿY A‡hvM¨ DcKiYmg~n‡K me©wb¤œ cÖvavb¨ †`q|
¯Íi 1t Kvh©Kix evRv‡ii ch©‡eÿY‡hvM¨ m¤ú` A_ev `vqmg~‡ni AwfwnZ g~j¨ ZvB hv cwigvcb Zvwi‡L cÖwZôvb †c‡Z cv‡i| Kvh©Kix evRv‡ii AwfwnZ g~j¨ cÖK…Z g~‡j¨i me‡P‡q wbf©i‡hvM¨ cÖgvY mieivn K‡i Ges mvgvb¨ e¨wZμg Qvov hLb cÖ‡qvRb ZLb †Kvb mgš^q e¨ZxZ cÖK…Z g~j¨ cwigv‡c e¨eüZ nq|
¯Íi 2t ¯Íi 1 Gi AšÍfz ©³ m¤ú` A_ev `v‡qi †ÿ‡Î ch©‡eÿY‡hvM¨ AwfwnZ evRvi g~j¨mg~n e¨ZxZ DcKiYmg~n hv cÖZ¨ÿ ev AcÖZ¨ÿfv‡e i‡q‡Q Ges hvi g‡a¨ we`¨gvb t Kvh©Kix evRv‡i GKB cÖK…wZi m¤ú` I `vqmg~‡ni Rb¨ AwfwnZ g~j¨ Ges ch©‡eÿY‡hvM¨ m¤ú` I `vqmg~‡ni AwfwnZ g~j¨ e¨ZxZ evRv‡ii m¤ú` A_ev `v‡qi AwfwnZ g~j¨mg~n hv Kvh©Kix DcKiY bq|
¯Íi 3t ch©‡eÿY A‡hvM¨ DcKi‡Yi Dci wfwË K‡i g~j¨vqb †KŠkj| G ZvwjKvq †m mKj DcKiY †h¸‡jvi g~j¨vqb †KŠk‡ji DcKiY Ach©‡eÿY Z‡_¨i Dci wfwË K‡i Ges Ach©‡eÿY‡hvM¨ DcKi‡Yi mywbw`©ó cÖfve i‡q‡Q DcKiYmg~n g~j¨vq‡b| mgRvZxq DcKi‡Yi wbw`© ©ó g~‡j¨i Dci wfwË K‡i G ZvwjKvq AšÍfz©³ DcKiYmg~n g~j¨vqb Kiv nq| †hLv‡b wbw`©ó ch©‡eÿY A‡hvM¨ mgš^qmg~n ev Abygvbmg~n DcKiY؇qi ga¨Kvi cv_©K¨ cÖ`k©‡bi cÖ‡qvRb|
mwμq evRv‡i †jb‡`bK…Z Avw_©K m¤úwË Ges Avw_©K `vqmg~‡ni cÖK…Z g~j¨ evRvi g~j¨ A_ev mieivnKvixi g~‡j¨ wba©viY Kiv n‡q _v‡K| Ab¨vb¨ mKj Avw_©K nvwZqv‡ii mgq e¨vsK g~j¨vqb †KŠk‡ji gva¨‡g cÖK…Z g~j¨ wbav©iY K‡i _v‡K|
wbU eZ©gvb g~j¨ Ges wWmKvD‡›UW K¨vk †d¬v g‡Wj, mgRvZxq nvwZqvi hvi g~j¨ evRv‡i eZ©gvb G¸‡jvi mv‡_ Zzjbv, eøvK †¯‹vjm& Ges cwj‡bvwgqvj Ackb cÖvBwms g‡Wj Ges Ab¨vb¨ g~j¨vqb g‡Wj g~j¨vqb †KŠk‡ji AšÍfz©³| g~j¨vqb †KŠk‡ji aviYvmg~‡ni g‡a¨ i‡q‡Q wi¯‹ wd« Ges †eÂgvK© my` nvi, F‡Yi e¨vwß Ges Ab¨vb¨ †KŠkj hv Øviv wWmKvD›U nvi wba©viY Kiv nq, eÛ Ges BKz¨BwUi g~j¨, ˆe‡`wkK gy`ªv wewbgq nvi, BKz¨BwU Ges BKz¨BwU Bb‡W· g~j¨ Ges m¤¢ve¨ g~j¨ cwieZ©b Ges cwi‡kvab|
g~j¨vqb †KŠk‡ji D‡Ïk¨ n‡”Q H cÖK…Z g~‡j¨ †cuŠQv‡bv hv cÖwZdwjZ K‡i m¤úwË weμ‡qi d‡j cÖvc¨ cÖK…Z g~j¨‡K A_ev `vq n¯ÍvšÍ‡ii Rb¨ cwigvcb Zvwi‡L evRvi AskMÖnYKvix‡`i g‡a¨ msNwUZ †jb‡`‡bi gva¨‡g hv cwi‡kva Kiv nq †mwU‡K|
192
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
¯Íi 3 cÖK…Z g~‡j¨i cwigvc
30 Ryb 2015 Ges 30 Ryb 2014 G e¨vsK kyay myBdU& †kqvi G ¯Íi 3 Avw_©K nvwZqvi aviY K‡i| e¨e¯’vcbv KZ…©cÿ wek¦vm K‡i †h, G mKj †kqv‡ii cÖK…Z g~j¨ evwnZ g~‡j¨i mgcwigvY n‡e| weMZ eQ‡ii Zzjbvq wewb‡qv‡Mi cÖK…Z g~‡j¨ †Kvb cwieZ©b bv nIqvq Íi 3 Gi mgšq mviYx cÖ wk©Z n‡jv bv|
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
cÖK…Z g~‡j¨ Avw_©K nvwZqvimg~n- cÖK…Z g~‡j¨i ¯Íiweb¨vm
K) 30 Ryb 2015 Zvwi‡Li Rb¨
wb‡Pi mviYxwU eQi †k‡l cÖK…Z g~‡j¨i ¯Íiweb¨v‡mi ch©v‡qi gva¨‡g Avw_©K nvwZqvimg~n‡K cÖK…Z g~‡j¨ we‡kølY K‡i hvi †fZ‡i cÖK…Z g~j¨ cwigvc‡bi †kÖwYweb¨vm Kiv n‡q‡Q|
'000 UvKvq`dvmg~n †bvU ¯Íi 1 ¯Íi 3 †gvU¯Íi 2
ˆe‡`wkK wewb‡qvMmg~ngv:W: †U«Rvwi wejˆe‡`wkK eÛ¯^Y© Ges †iŠc¨¯^Y© †jb‡`b n‡Z D™¢‚Z `vweAb¨vb¨ ˆe‡`wkK m¤ú`myBd&U †kqvi miKvi‡K cÖ`Ë FY †U«Rvwi eÛwewb‡qvM-¯’vbxq gy`ªvqgy`ªv evRv‡i ¯^í‡gqvw` wewb‡qvMFYcÎ-GBPweGdwmAvBwmwe Bmjvwg e¨vsK wjwg‡U‡W †kqvi†gvU
5578
10
13
141414
83,279,606 678,881,294
6,414,663 34,181,082
-
- -
7,452 802,764,097
- - - -
-
1,085,185
462,501 5,795,000
- 7,342,686
- - - -
80
-
-
- 80
- 83,279,606
678,881,294 6,414,663
34,181,082 - 80
1,085,185 -
462,501 5,795,000
7,452 810,106,863
Avw_©K m¤ú`mg~n
'000 UvKvq`dvmg~n †bvU ¯Íi 1 ¯Íi 3 †gvU¯Íi 2
ˆe‡`wkK wewb‡qvMmg~ngv:W: †U«Rvwi wejˆe‡`wkK eÛ¯^Y© Ges †iŠc¨¯^Y© †jb‡`b n‡Z D™¢‚Z `vweAb¨vb¨ ˆe‡`wkK m¤ú`myBd&U †kqvi miKvi‡K cÖ`Ë FY †UªRvix wej†U«Rvwi eÛwewb‡qvM-¯’vbxq gy`ªvqgy`ªv evRv‡i ¯^í‡gqvw` wewb‡qvMAvBwmwe Bmjvwg e¨vsK wjwg‡U‡W †kqvi†gvU
5578
10
1313
1414
83,075,584 357,890,893 25,283,678 19,451,963
-
- - - -
7,452 485,709,570
- - - -
-
2,327,168 35,024,775
1,873,020 -
39,224,963
-
- -
80
-
- - 80
- 83,075,584
357,890,893 25,283,678 19,451,963
- 80 -
2,327,168 35,024,775
1,873,020 7,452
524,934,613
L) 30 Ryb 2014 Zvwi‡Li Rb¨
193
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
Avw_©K nvwZqvimg~n hv cÖK…Z g~‡j¨ cwigvc Kiv nqwb
UvKv K‡qb Ges bM` w¯’wZ, ˆe‡`wkK gy`ªv wnmve, ˆe‡`wkK evwYwR¨K e¨vsKmg~‡n ¯^í‡gqvw` wewb‡qvM, AvBGgGd mswkøó m¤ú`, ˆe‡`wkK gy`ªvq cÖ`Ë e¨vsK FY, cÖvc¨ my`, miKvi‡K cÖ`Ë FY, †i‡cv‡Z wewb‡qvM, FYcÎ-GBPweGdwm, ¯^í‡gqv‡` gy`ªv evRv‡i wewb‡qvM, ¯’vbxq gy`ªvq Avw_©K m¤ú` Ges e¨vsK-Avw_©K cÖwZôvb I Kg©Pvix‡`i ¯’vbxq gy`ªvq cÖ`Ë FY G nvwZqvimg~‡ni AšÍf©z³| G Avw_©K nvwZqvimg~n ¯Íi 2 cÖK…Z g~j¨ μgweb¨v‡mi AšÍfz©³ Ges e¨e¯’vcbv KZ…©cÿ wek¦vm K‡i †h, G mKj nvwZqv‡ii cÖK…Z g~j¨ evwnZ g~‡j¨i mgcwigvY n‡e|
K) 30 Ryb 2015
Avw_©K m¤ú`mg~n '000 UvKvq
'000 UvKvq
`dvmg~n ¯Íi 1 ¯Íi 2 †gvU cÖK…Zg~j¨
†gvU evwnZg~j¨¯Íi 3
UvKv K‡qb Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vsKmg~‡n ¯^í‡gqvw` wewb‡qvMAvBGgGd mswkøó m¤ú`ˆe‡`wkK gy`ªvq cÖ`Ë FYcÖvc¨ my`miKvi‡K cÖ`Ë FYmiKvi‡K cÖ`Ë FY I AvMvgIfviWªvdU& eøKW&e¨vsK Avw_©K cÖwZôvb I Kg©Pvix‡`i ¯’vbxq
gy`ªvq cÖ`Ë FYevwYwR¨K e¨vs‡Ki FYwe‡klvwqZ e¨vs‡Ki FYe¨w³ gvwjKvbvaxb e¨vs‡Ki FYAb¨vb¨ FY I AwMÖg cÖvc¨ my`Kg©Pvix‡`i FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
- -
- - - -
-
- - - - - - - -
14,483,987 268,409,412
674,465,879 131,148,185 127,742,085
6,680,385
24,354,400 86,850,000
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
1,440,217,103
- -
- - - -
-
- - - - - - - -
14,483,987 268,409,412
- 674,465,879 131,148,185 127,742,085
6,680,385
24,354,400 86,850,000
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
1,440,217,103
14,483,987 268,409,412
674,465,879 131,148,185 127,742,085
6,680,385
24,354,400 86,850,000
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
1,440,217,103
AvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqb (AvKz)cÖPviYK…Z †bvU e¨vsK I Avw_©K cÖwZôvb n‡Z ¯’vbxq gy`ªvq AvgvbZ MÖnY¯^í‡gqvw` FY†gvU
-
- - - - - -
167,475,874
78,892,716 70,261,285
973,633,449 503,017,274 180,721,995
1,974,002,593
-
- - - - - -
167,475,874
78,892,716 70,261,285
973,633,449 503,017,274 180,721,995
1,974,002,593
167,475,874
78,892,716 70,261,285
973,633,449 503,017,274 180,721,995
1,974,002,593
Avw_©K `vqmg~n
`dvmg~n ¯Íi 1 ¯Íi 2 †gvU cÖK…Zg~j¨
†gvU evwnZg~j¨¯Íi 3
194
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
L) 30 Ryb 2014
Avw_©K m¤ú`mg~n '000 UvKvq
'000 UvKvq
UvKv K‡qb Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vsKmg~‡n ¯^í‡gqvw` wewb‡qvMAvBGgGd mswkøó m¤ú`ˆe‡`wkK gy`ªvq cÖ`Ë FYcÖvc¨ my`miKvi‡K cÖ`Ë FY IfviWªvdU&-eøK (miKvwi †UªRvwi wej)IfviWªvdU-Kv‡i›Ucybtweμ‡qi Pzw³i AvIZvq μxZ wmwKDwiwUmg~nwewb‡qvMFYcÎ-GBPweGdwm¯^í‡gqv‡` gy`ªv evRv‡i wewb‡qvMe¨vsK Avw_©K cÖwZôvb I Kg©Pvix‡`i
¯’vbxq gy`ªvq cÖ`Ë FYevwYwR¨K e¨vs‡Ki FYwe‡klvwqZ e¨vs‡Ki FYe¨w³ gvwjKvbvaxb e¨vs‡Ki FYAb¨vb¨ FY I AwMÖg cÖvc¨ my`Kg©Pvix‡`i FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
- -
- - - -
- - -
- -
- - - - - - - -
1,356,424 501,735,055
492,050,716 148,468,110 105,186,763
4,595,173
-
980,000
6,505,000 1,868,910
4,105,182 39,512,833 2,634,900
28,601,184 1,145,214
27,255,579 1,145,214
1,367,146,257
- -
- - - -
- - -
- -
- - - - - - - -
1,356,424 501,735,055
492,050,716 148,468,110 105,186,763
4,595,173
- -
980,000
6,505,000 1,868,910
4,105,182 39,512,833 2,634,900
28,601,184 1,145,214
27,255,579 1,145,214
1,367,146,257
1,356,424 501,735,055
492,050,716 148,468,110 105,186,763
4,595,173
- -
980,000
6,505,000 1,868,910
4,105,182 39,512,833 2,634,900
28,601,184 1,145,214
27,255,579 1,145,214
1,367,146,257
`dvmg~n ¯Íi 1 ¯Íi 2 †gvU cÖK…Zg~j¨
†gvU evwnZg~j¨¯Íi 3
AvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôvb n‡Z ˆe‡`wkK
gy`ªvq AvgvbZ MÖnYevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqb (AvKz)cÖPviYK…Z †bvU e¨vsK I Avw_©K cÖwZôvb n‡Z ¯’vbxq gy`ªvq AvgvbZ MÖnY¯^í‡gqvw` FY†gvU
-
- - -
- - -
188,331,836
74,804,441 75,093,095
847,170,600
443,782,003 57,664,690
1,686,846,665
-
- - -
- - -
188,331,836
74,804,441 75,093,095
847,170,600
443,782,003 57,664,690
1,686,846,665
188,331,836
74,804,441 75,093,095
847,170,600
443,782,003 57,664,690
1,686,846,665
Avw_©K `vqmg~n
`dvmg~n ¯Íi 1 ¯Íi 2 †gvU cÖK…Zg~j¨
†gvU evwnZg~j¨¯Íi 3
195
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
47.01 Avw_©K nvwZqvimg~‡ni †kÖwYKiY (c„_K)
cÖK…Z g~‡j¨ Avw_©K nvwZqvimg~n-cÖK…Z g~‡j¨i ¯Íiweb¨vm
K) 30 Ryb 2015 Zvwi‡Li Rb¨
Avw_©K m¤ú`mg~n
L) 30 Ryb 2014 Zvwi‡Li Rb¨
¯Íi 3 cÖK…Z g~‡j¨i cwigvc
30 Ryb 2015 Ges 30 Ryb 2014 G e¨vsK ïay mvewmwWqvwi Ges FYcÎ-GBPweGdwm †kqvi G ¯Íi 3 Avw_©K nvwZqvi aviY K‡i| e¨e¯’vcbv KZ…©cÿ wek¦vm K‡i †h, G mKj †kqv‡ii cÖK…Z g~j¨ evwnZ g~‡j¨i mgcwigvY n‡e|
'000 UvKvq`dvmg~n †bvU ¯Íi 1 ¯Íi 3 †gvU¯Íi 2
ˆe‡`wkK wewb‡qvMmg~ngv:W: †U«Rvwi wejˆe‡`wkK eÛ¯^Y© Ges †iŠc¨¯^Y© †jb‡`b n‡Z D™¢‚Z `vweAb¨vb¨ ˆe‡`wkK m¤ú`myBdU& †kqvi miKvi‡K cÖ`Ë FY †U«Rvwi eÛwewb‡qvM-¯’vbxq gy`ªvqmvewmwWqvwi‡Z wewb‡qvMFYcÎ-GBPweGdwm†gvU
5578
10
13
14.0214.02
83,279,606 678,881,294
6,414,663 34,181,082
-
-
802,756,645
- - - -
-
1,085,185
- 5,795,000 6,880,185
- - - -
80
-
12,000,000
12,000,080
83,279,606 678,881,294
6,414,663 34,181,082
80
1,085,185
12,000,000 5,795,000
815,841,910
'000 UvKvq`dvmg~n †bvU ¯Íi 1 ¯Íi 3 †gvU¯Íi 2
ˆe‡`wkK wewb‡qvMmg~ngv:W: †U«Rvwi wejˆe‡`wkK eÛ¯^Y© Ges †iŠc¨¯^Y© †jb‡`b n‡Z D™¢‚Z `vweAb¨vb¨ ˆe‡`wkK m¤ú`myBdU& †kqvi miKvi‡K cÖ`Ë FY †U«Rvwi wej†U«Rvwi eÛwewb‡qvM-¯’vbxq gy`ªvqmvewmwWqvwi‡Z wewb‡qvM†gvU
5578
10
1313
14.02
83,075,584 357,890,893 25,283,678 19,451,963
-
-
- 485,702,118
- - - -
-
2,327,168 35,024,775
- 37,351,943
- - - -
80
- -
500,000 500,080
83,075,584 357,890,893 25,283,678 19,451,963
80
2,327,168 35,024,775
500,000 523,554,141
196
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
Avw_©K nvwZqvimg~n hv cÖK…Z g~‡j¨ cwigvc Kiv nqwb
UvKv K‡qb Ges bM` w¯’wZ, ˆe‡`wkK gy`ªv wnmve, ˆe‡`wkK evwYwR¨K e¨vsKmg~‡n ¯^í‡gqvw` wewb‡qvM, AvBGgGd mswkøó m¤ú`, ˆe‡`wkK gy`ªvq cÖ`Ë e¨vsK FY, cÖvc¨ my`, miKvi‡K cÖ`Ë FY, †i‡cv‡Z wewb‡qvM, FYcÎ-GBPweGdwm, ¯^í‡gqv‡` gy`ªv evRv‡i wewb‡qvM, ¯’vbxq gy`ªvq Avw_©K m¤ú` Ges e¨vsK-Avw_©K cÖwZôvb I Kg©Pvix‡`i ¯’vbxq gy`ªvq cÖ`Ë FY G nvwZqvimg~‡ni AšÍfz©³| G Avw_©K nvwZqvimg~n ¯Íi 2 cÖK…Z g~j¨ μgweb¨v‡mi AšÍfz©³ Ges e¨e¯’vcbv KZ…©cÿ wek¦vm K‡i †h, G mKj nvwZqv‡ii cÖK…Z g~j¨ evwnZ g~‡j¨i mgcwigvY n‡e|
K) 30 Ryb 2015
Avw_©K m¤ú`mg~n '000 UvKvq
'000 UvKvq
UvKv K‡qb Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vsKmg~‡n ¯^í‡gqvw` wewb‡qvMAvBGgGd mswkøó m¤ú`ˆe‡`wkK gy`ªvq cÖ`Ë FYcÖvc¨ my`miKvi‡K cÖ`Ë FY †U«Rvwi wej†U«Rvwi eÛe¨vsK Avw_©K cÖwZôvb I Kg©Pvix‡`i
¯’vbxq gy`ªvq cÖ`Ë FYevwYwR¨K e¨vs‡Ki FYwe‡klvwqZ e¨vs‡Ki FYe¨w³ gvwjKvbvaxb e¨vs‡Ki FYAb¨vb¨ FY I AwMÖg cÖvc¨ my`Kg©Pvix‡`i FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
- -
- - - -
-
- - - - - - - -
321,706 268,409,412
674,465,879 131,148,185 127,742,085
6,680,385
24,354,400 86,850,000
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
1,426,054,822
- -
- - - -
-
- - - - - - - -
321,706 268,409,412
674,465,879 131,148,185 127,742,085
6,680,385
24,354,400 86,850,000
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
1,426,054,822
321,706 268,409,412
674,465,879 131,148,185 127,742,085
6,680,385
24,354,400
4,963,167 33,222,021 3,019,500
26,172,779 8,429,740
30,106,279 169,283
1,426,054,822
AvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôvb n‡Z AvgvbZevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqb (AvKz)cÖPviYK…Z †bvU e¨vsK I Avw_©K cÖwZôvb n‡Z ¯’vbxq
gy`ªvq AvgvbZ MÖnY¯^í‡gqvw` FY†gvU
-
- - -
- - -
167,475,874
78,892,716 70,261,285
973,633,449
503,017,274 180,721,995
1,974,002,593
-
- - -
-
- -
167,475,874
78,892,716 70,261,285
973,633,449
503,017,274 180,721,995
1,974,002,593
167,475,874
78,892,716 70,261,285
973,633,449
503,017,274 180,721,995
1,974,002,593
Avw_©K `vqmg~n
`dvmg~n ¯Íi 1 ¯Íi 2 †gvU cÖK…Zg~j¨
†gvU evwnZg~j¨¯Íi 3
`dvmg~n ¯Íi 1 ¯Íi 2†gvU cÖK…Z
g~j¨†gvU evwnZ
g~j¨¯Íi 3
197
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
L) 30 Ryb 2014
Avw_©K m¤ú`mg~n '000 UvKvq
'000 UvKvq
UvKv K‡qb Ges bM` w¯’wZˆe‡`wkK gy`ªv wnmveˆe‡`wkK wewb‡qvMmg~nˆe‡`wkK evwYwR¨K e¨vsKmg~‡n ¯^í‡gqvw` wewb‡qvMAvBGgGd mswkøó m¤ú`ˆe‡`wkK gy`ªvq cÖ`Ë FYcÖvc¨ my`miKvi‡K cÖ`Ë FYIfviWªvdU-Kv‡i›Ucybtweμ‡qi Pzw³i AvIZvq μxZ wmwKDwiwUmg~nwewb‡qvMFYcÎ-GBPweGdwme¨vsK Avw_©K cÖwZôvb I Kg©Pvix‡`i
¯’vbxq gy`ªvq cÖ`Ë FYevwYwR¨K e¨vs‡Ki FYwe‡klvwqZ e¨vs‡Ki FYe¨w³ gvwjKvbvaxb e¨vs‡Ki FYAb¨vb¨ FY I AwMÖg cÖvc¨ my`Kg©Pvix‡`i FY I AvMvg¯’vbxq gy`ªvq Ab¨vb¨ Avw_©K m¤ú`†gvU
- -
- - - -
- -
-
- - - - - - - -
546,240 501,735,055
492,050,716 148,468,110 105,186,763
4,595,173
- 980,000
6,505,000
4,105,182 39,512,833 2,634,900
28,601,184 7,595,016
26,178,962 929,682
1,369,624,816
- -
- - - -
- -
-
- - - - - - - -
546,240 501,735,055
- 492,050,716 148,468,110 105,186,763
4,595,173
- 980,000
- 6,505,000
4,105,182 39,512,833 2,634,900
28,601,184 7,595,016
26,178,962 929,682
1,369,624,816
546,240 501,735,055
- 492,050,716 148,468,110 105,186,763
4,595,173
- 980,000
- 6,505,000
4,105,182 39,512,833 2,634,900
28,601,184 7,595,016
26,178,962 929,682
1,369,624,816
AvBGgGd mswkøó `vqe¨vsK I Avw_©K cÖwZôvb n‡Z ˆe‡`wkK
gy`ªvq AvgvbZ MÖnYevwYwR¨K e¨vsKmg~‡ni ˆe‡`wkK gy`ªv RgvGwkqvb wK¬qvwis BDwbqb (AvKz)cÖPviYK…Z †bvU e¨vsK I Avw_©K cÖwZôvb n‡Z ¯’vbxq gy`ªvq AvgvbZ MÖnY¯^í‡gqvw` FY†gvU
-
-
- - - - -
188,331,836
74,804,441
75,093,095 847,170,600 443,782,003
57,664,690 1,686,846,665
-
- - - - - -
188,331,836
74,804,441
75,093,095 847,170,600 443,782,003
57,664,690 1,686,846,665
188,331,836
74,804,441
75,093,095 847,170,600 443,782,003
57,664,690 1,686,846,665
Avw_©K `vqmg~n
`dvmg~n ¯Íi 1 ¯Íi 2 †gvU cÖK…Zg~j¨
†gvU evwnZg~j¨¯Íi 3
`dvmg~n ¯Íi 1 ¯Íi 2 †gvU cÖK…Zg~j¨
†gvU evwnZg~j¨¯Íi 3
198
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
48 SzuwK e¨e¯’vcbv
(K) Avw_©K SzuwK e¨e¯’vcbv
B›Uvib¨vkbvj dvBb¨vwÝqvj wi‡cvwU©s ÷¨vÛvW© ÒAvBGdAviGm-7 Avw_©K nvwZqvimg~n t cÖKvkÓ Abyhvqx ¯^xK…Z I A¯^xK…Z Dfq cÖKvi Avw_©K nvwZqvi, G¸‡jvi Zvrch© I Kvh©KvwiZv, wnmve iÿY bxwZgvjv, ixwZ I c×wZ, wbU cÖK…Z g~j¨ I SzuwK mswkøó Z_¨ cÖKvk Ki‡Z n‡e-e¨vs‡Ki bxwZgvjv n‡jv SzuwK wbqš¿‡Yi D‡Ï‡k¨ mswkøó Z_¨ cÖKvk Kiv|
e¨vsK bxwZ wba©viYx Kv‡R wb‡qvwRZ _v‡K| d‡j e¨vs‡Ki SzuwK e¨e¯’vcbvi KvVv‡gv Ab¨vb¨ Avw_©K cÖwZôvb n‡Z wfbœ| e¨vs‡Ki g~j SzuwKi AšÍf©y³ SzuwKmg~n n‡jv FY SzuwK, ˆe‡`wkK gy`ªvi SzuwK Ges my‡`i nvi SzuwK| Pvwn`v Abyhvqx ˆe‡`wkK gy`ªv mieivn wbwðZ Kivi j‡ÿ¨ e¨vsK ˆe‡`wkK gy`ªvi wiRvf© e¨e¯’vcbvi Ask wn‡m‡e Zvij¨ SzuwK n«vm‡KB cÖavb we‡eP¨ wn‡m‡e MY¨ K‡i _v‡K| Ab¨vb¨ †K›`ªxq e¨vs‡Ki g‡ZvB evsjv‡`k e¨vs‡Ki cwiPvjK msμvšÍ Kvh©vejxi aib GKwU wbw`©ó gvÎvq cwiPvjb I mybvg msμvšÍ SzuwK m„wó K‡i|
m¤¢ve¨ SzuwKmg~‡ni g~j¨vqb, Z`viwK I e¨e¯’vcbvi Rb¨ `„p I Kvh©Ki SzuwK e¨e¯’vcbv I wbqš¿Y e¨e¯’v wbwðZ KivB e¨vs‡Ki e¨e¯’vcbvi j¶¨| Mfb©i KZ…©K ˆe‡`wkK †jb‡`‡bi mxgv I Awc©Z `vwqZ¡ wbw`©óK…Z AwfÁ I `ÿ Kg©KZ©vMY ¯úófv‡e msÁvwqZ SzuwK e¨e¯’vcbv KvVv‡gv Abyhvqx e¨vs‡Ki ¯’vbxq gy`ªv/ˆe‡`wkK gy`ªvi wiRvf© e¨e¯’vcbv Ges ˆe‡`wkK gy`ªvi †jb‡`b cwiPvjbv K‡i _v‡Kb|
e¨vsK `ywU ewntwbixÿv cÖwZôvb Øviv Gi evwl©K wbixÿv Kvh©μg cwiPvjbv K‡i _v‡K hv‡`i evsjv‡`k e¨vsK AW©vi, 1972 Gi 65(1) Aby‡”Q` Abyhvqx wb‡qvM I m¤§vbx †`qv nq| †ev‡W©i AwWU KwgwU KZ…©K e¨vs‡Ki Avw_©K wi‡cvwU©s Ges AwWU Kvh©μgmg~n ZË¡veavb Kiv n‡q _v‡K Ges D³ KwgwU e¨vs‡Ki Af¨šÍixY AwWU Kvh©μgI Z`viwK K‡i _v‡K| KwgwU Zv‡`i Kvh©μ‡gi wel‡q †evW©‡K AewnZ K‡i _v‡K|
mvwe©K SzuwK e¨e¯’vcbv KvVv‡gv cÖYqb Kiv n‡q‡Q myôz I `ÿZvi mv‡_ e¨vs‡Ki SzuwK e¨e¯’vcbv‡K DrmvwnZ- Ki‡Yi Rb¨| e¨vsK Zvi SzuwK e¨e¯’vcbv KvVv‡gv‡Z Avw_©K evRv‡ii m‡e©vrK…ó cš’vmg~n Aej¤^b K‡i _v‡K| GB †bv‡Ui SzuwK mswkøó Z_¨ DcvËmg~n evsjv‡`k e¨vs‡Ki w¯’wZc‡Î cÖ`Ë Z‡_¨i Av‡jv‡K Dc¯’vcb Kiv n‡q‡Q|
(L) cwiPvjb SzuwK
Awb”QvK…Z fyj I Af¨šÍixY wbq‡gi e¨Z¨‡qi Kvi‡Y m„ó Avw_©K ev Abvw_©K ÿwZ cwiPvjb SzuwKi AšÍfz©³| cwiPvjb SzuwK e¨e¯’vcbv‡K e¨vs‡Ki cÖvZ¨wnK Kv‡Ri Awe‡”Q`¨ Ask wn‡m‡e we‡ePbv Kiv nq, hvi g‡a¨ e¨vs‡Ki e¨emvwqK Kvh©μg mswkøó my‡hvM I SzuwK AšÍfy©³| cwiPvjb SzuwK e¨e¯’vcbvi g‡a¨ e¨vs‡Ki mvwe©K bxwZmg~n AšÍfy©³ hv Av`k© Kg©KZ©vi cÖ‡qvRbxqZv Ges e¨vs‡Ki wewfbœ Kvh©μ‡gi ˆewkó¨ m¤^wjZ Af¨šÍixY wbqš¿Y e¨e¯’v eY©bv K‡i| mvwe©K bxwZ I wefvMxq Af¨šÍixY wbqš¿Y e¨e¯’v cwicvjb wefvMxq e¨e¯’vcbv I `ÿ Af¨šÍixY wbixÿv Kvh©μg Øviv wbwðZ Kiv nq|
199
Bangladesh Bank's Accounts for 2014-2015 PZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
(M) F‡Yi SzuwK e¨e¯’vcbv
FY SzuwK ej‡Z MÖæc/†MvôxwUi Avw_©K ÿwZ‡K †evSvq hv Acicÿ KZ…©K Avw_©K nvwZqvi msμvšÍ Pzw³i kZ©vejx cwicvj‡b e¨_©Zvi gva¨‡g m„wó nq| F‡Yi SzuwK wbqwgZfv‡e ch©‡eÿY I wbqš¿Y Kiv n‡q _v‡K| evsjv‡`k e¨vs‡Ki wewfbœ †kÖwYi ¯^xK…Z Avw_©K m¤ú‡`i m‡e©v”P F‡Yi SzuwKi cwigvY n‡”Q H m¤ú‡`i evwnZ g~j¨ hv Avw_©K Ae¯’vi wee„wZ‡Z wb‡`©wkZ i‡q‡Q| e¨vs‡Ki e¨vcK ch©‡eÿY Kvh©μg Ges †ewki fvM †ÿ‡Î miKvi KZ…©K cÖ`Ë wbðqZv AwZ D”P m~PK m¤úbœ cÖwZc‡ÿi SzuwK cÖkg‡bi KvR K‡i _v‡K|
eQi †k‡l wbw`©ó FY cÖ`vbKvixi †`k/AÂj Abyhvqx Nbxf‚Z cÖ`wk©Z FY wb¤œiƒc t
mgwš^Z evsjv‡`k Ab¨vb¨ Gkxq †`k hy³ivóª BD‡ivc A‡÷ªwjqv Ab¨vb¨ †gvU
e¨vsK evsjv‡`k Ab¨vb¨ Gkxq †`k hy³ivóª BD‡ivc A‡÷ªwjqv Ab¨vb¨ †gvU
N) Zvij¨ SzuwK
Avw_©K `vqmg~n hv bM` cwi‡kva A_ev Ab¨ †Kvb A_©‰bwZK m¤ú` cÖ`v‡bi gva¨‡g wb®úwË n‡q _v‡K †mme `vq †gUv‡bvi †ÿ‡Î MÖæc †Kvb mgm¨vi m¤§yLxb n‡j †h SzuwKi D™¢e nq †mwUB Zvij¨ SzuwK|
Zvij¨ SzuwKi e¨e¯’vcbv
evRvi weNœZv wKsev F‡Yi wb¤œgywLZvi Kvi‡Y Zvij¨ SzuwKi m„wó n‡Z cv‡i hv Znwe‡ji KwZcq Dr‡mi wbt‡kl n‡q hvIqvi Rb¨ `vqx| SzuwK cÖkgb Kivi Rb¨ MÖæc Znwe‡ji Drmmg~n‡K ˆewPΨgq K‡i‡Q Ges m¤ú`mg~n‡K Zvi‡j¨i we‡ePbvq e¨e¯’vcbv K‡i‡Q|
398,783,797 334,189,781 698,182,076 324,018,757
17,653,619 251,860,927
2,024,688,957
379,088,552 351,138,303 673,787,180 478,108,449 80,433,234
285,508,941 2,248,064,658
402,266,602 334,189,781 698,182,076 324,018,757
17,653,619 251,860,927
2,028,171,762
383,214,010 351,138,303 673,787,180 478,108,449 80,433,234
285,508,941 2,252,190,116
2015 2014
200
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
O) gy`ªv SzuwK
gy`ªvi wewbgq nvi cwieZ©‡bi Kvi‡Y gy`ªv SzuwK (wewbgq nvi SzuwK) m„wó nq, hv Avw_K nvwZqvimg~‡ni fwel¨r bM` cÖev‡ni evRvi g~j¨‡K cÖfvweZ K‡i| evsjv‡`k e¨vs‡Ki ˆe‡`wkK gy`ªvi wiRvf© e¨e¯’vcbv I wewb‡qvM Kvh©μg wewb‡qvM KwgwU KZ…©K wbqwš¿Z nq| ˆe‡`wkK gy`ªvi wiRvf© e¨e¯’vcbv I wewb‡qvM Kvh©μ‡gi MvBW jvBb Abymv‡i wewb‡qvM KwgwU ˆe‡`wkK gy`ªvi wiRvf© e¨e¯’vcbv I wewb‡qvM msμvšÍ wm×všÍ MÖnY K‡i _v‡K| MvBWjvBbmg~‡n †hŠw³K wiUvb© AR©‡bi Rb¨ wewfbœ SzuwK e¨e¯’vcbv m¤úwK©Z wb‡`©kbv †`Iqv nq| MvBWjvB‡b Aby‡gvw`Z gvb`Ð Abyhvqx gy`ªvi Ae¯’v we‡ePbv K‡i wewb‡qvM, †cvU©‡dvwjIi cwigvY I mgq Kvj we‡ePbv Abymv‡i wewb‡qvM Kiv n‡q _v‡K| †cvU©‡dvwjI e¨e¯’vcK/wWjviMY gvb`Ð †g‡b Pjvi m‡e©v”P †Póv K‡ib Ges wewb‡qvM KwgwUi Aby‡gv`b Abyhvqx ˆ`wbK/mvßvwnK wfwˇZ cybtweb¨v‡m cÖ‡qvRbxq e¨e¯’v MÖn‡Y m‡Pó _v‡K|
49 m¤¢ve¨ `vq
M¨vivw›Ui wecix‡Z AvšÍR©vwZK BmjvwgK evwYR¨ A_©vqb ms¯’vi c‡ÿ 30 Ryb 2015 Zvwi‡L evsjv‡`k e¨vs‡Ki 70,020.36 wgwjqb UvKv (2014 t 106,819 wgwjqb UvKv) m¤¢ve¨ `vq i‡q‡Q hvi wecix‡Z evsjv‡`k miKv‡ii KvD›Uvi M¨vivw›U i‡q‡Q|
w¯’wZcÎ Zvwi‡L e¨vs‡Ki 2wU AgxgvswmZ gvgjv i‡q‡Q hvi wecix‡Z e¨vs‡Ki m¤¢ve¨ Avw_©K `vq 1.86 wgwjqb UvKv| Avw_©K weeiYx‡Z Gi wecix‡Z †Kvb ms¯’vb ivLv nqwb| †Kbbv G e¨vcv‡i b¨vqm½Z djvdj wbwðZfv‡e wbiƒcY m¤¢e nqwb|
50 LÐ cÖwZ‡e`b
e¨vs‡Ki Kvh©μg ïaygvÎ evsjv‡`‡kB †K›`ªxf~Z weavq Giƒc MVbcÖYvjxi Kvi‡Y LÐ cÖwZ‡e`‡bi Rb¨ cÖ‡hvR¨ AvBGdAviGm 8 Gi GKK cÖwZ‡e`b Dchy³| evsjv‡`k e¨vsK AW©vi Abyhvqx e¨vs‡Ki Bmy¨ I e¨vswKs Kvh©vejx Abymv‡i Avq I e¨qmg~n‡K c„_Kfv‡e cÖwZ‡e`‡b †`Lv‡bv n‡jI †m¸‡jvi Rb¨ AvBGdAviGm 8 Gi D‡Ïk¨vbymv‡i c„_K LÐ cÖwZ‡e`b cÖYqb Kivi cÖ‡qvRb †bB|
51 wbw`©ó myweav cwiKíbvmg~‡ni A¨vKPy¨qvwiqvj g~j¨vqb
A_©eQi 2011-12 G g~j¨vqbKvix dvg© Øviv g~j¨vqb Kvh©μg m¤úbœ Kiv nq| g~j¨vqb cÖwZ‡e`b Abyhvqx, 30 Ryb 2012 A_©eQ‡i †cbkb dv‡Ûi `vq wQj 4,745,764 nvRvi UvKv Ges MÖ¨vPzBwU dv‡Ûi Rb¨ wQj 1,069,800 nvRvi UvKv| 2013, 2014 Ges 2015 A_©eQ‡i `vqmg~n g~j¨vqbKvix dv‡g©i mycvwik Abyhvqx cÖ¯‘Z Kiv n‡q‡Q|
30 Ryb 2015 A_©eQ‡i †cbkb dvÛ Ges MÖ¨vPyBwU dv‡Ûi `vq h_vμ‡g 6,618,746.93 nvRvi UvKv Ges 1,453,800.00 nvRvi UvKv wnmvevwqZ nq| GLv‡b dv‡Ûi w¯’wZmg~n †`qv n‡jv t
201
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve PZz`©k Aa¨vq
cÖ¯‘ZK…Z Zvwi‡L ¯^xK…Z cwigvY eQ‡ii ïiæ‡Z w¯’wZ PjwZ eQ‡i cÖ‡`q PjwZ eQ‡i `vb/¯’vbvšÍi dv‡Ûi w¯’wZ
`dv †cbkb dv‡ÛÕi cwiKíbv MÖ¨vPzBwUÕi cwiKíbv2015 2014 2015 2014
5,738,714 (696,667)
1,576,700 6,618,747
5,710,641 (150,627) 178,700
5,738,714
1,553,726 (83,542)
- 1,470,184
1,774,885 (42,459)
(178,700) 1,553,726
'000 UvKvq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
ms‡e`bkxjZv
Ab¨vb¨ m~PK AcwiewZ©Z †_‡K wWmKvD›U nvi kZKiv 1 fvM n«vm †c‡j, †cbkb dvÛ Ges Mª¨vPzBwU dv‡Û Rgv PjwZ eQ‡i h_vμ‡g 57.38 wgwjqb UvKv Ges 12.69 wgwjqb UvKv †ewk n‡Zv hv g~jZ wb¤œ wWmKvD›U Av‡qi d‡j D™¢‚Z n‡q _v‡K| Ab¨w`‡K, Ab¨vb¨ m~PK AcwiewZ©Z †_‡K wWmKvD›U nvi kZKiv 1 fvM †ewk n‡j, †cbkb dvÛ Ges MÖ¨vPzBwU dv‡Û Rgv PjwZ eQ‡i h_vμ‡g 57.38 wgwjqb UvKv Ges 12.69 wgwjqb UvKv Kg n‡Zv hv g~jZ D”P wWmKvD›U Av‡qi d‡j D™¢ ‚Z n‡q _v‡K| wWmKvD›U nvi dv‡Ûi Rgvi wnmvevq‡bi mv‡_ LyeB ms‡e`bkxj|
52 g~jab A½xKvi
30 Ryb 2015 Zvwi‡L kxZvZc hš¿ μq I ¯’vcbvmn wbivcËv hš¿cvwZ Ges †Rbv‡iUi μq eve` e¨vs‡Ki g~jabx cÖwZkÖæwZ i‡q‡Q 4.85 wgwjqb UvKv (2014: 36.75 wgwjqb UvKv)|
53 mswkøó c‡ÿi mv‡_ †jb‡`b
Avw_©K A_ev cwiPvjb wm×všÍ †bqvi †ÿ‡Î cÿmg~n‡K mswkøó we‡ePbv Kiv nq hw` cÿwU Ab¨ cÿ‡K wbqš¿Y Kiv A_ev mywbw`©ó cÖfvweZ Kivi †hvM¨Zv _v‡K| e¨vs‡Ki †ÿ‡Î, mswkøó cÿ, hv AvšÍR©vwZK wnmve gvb bs 24-G msÁvwqZ, Gi g‡a¨ AšÍfz©³ n‡jv cwiPvjKMY, Kg©KZ©vMY, †h mKj †Kv¤úvwb‡Z Zviv g~j gvwjK Ges g~j KZ…©cÿ| mswkøó cÿmg~‡ni mv‡_ e¨vswKs †jb‡`b nq ¯^íZg mg‡qi wfwˇZ c~e©wba©vwiZ kZ©vbyhvqx|
e¨vsKwU m¤ú~Y©fv‡e evsjv‡`k miKv‡ii gvwjKvbvaxb| wewfbœ cÖwZôvb †hgb ivóª gvwjKvbvaxb e¨vsK, we‡klvwqZ e¨vsK Ges K‡c©v‡ikb Gi Dci evsjv‡`k miKv‡ii ¯^v_© i‡q‡Q| e¨vsK Zvi gy`ªv bxwZi mv‡_ mvgÄm¨ †i‡L evsjv‡`k miKv‡ii wb‡`©kbv Abyhvqx G mKj cÖwZôv‡bi mv‡_ †jb‡`b K‡i|
wWmKvD›U nvi †eZb e„w× nvi
`dv†cbkb dv‡ÛÕi cwiKíbv MÖ¨vPzBwUÕi cwiKíbv
2015 2014 2015 2014
11.50%8%
11.50%8%
11.50%8%
11.50%8%
A¨vKPz¨qvwiqvj g~j¨vq‡bi Abygvb
202
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
Avw_©K Ae¯’vi weeiYx‡Z AšÍfz©³ mswkøó cÿmg~n m¤úwK©Z wewfbœ w¯’wZi e‡Kqv Ges Mo wb¤œiƒc
7,880,673 5,749
7,886,421
19,500,993 3,639
19,504,632
2,642,465 488,067
3,130,532
2,409,580 415,000
2,824,580
25,000 3,817,289
25,000 3,885,924
3,969 3,969
Avq weeiYx‡Z AšÍfz©³ mswkøó cÿ m¤úwK©Z Avq Ges e¨qmg~n wb¤œiƒc t
miKv‡ii Avq I e¨qmg~n
my` Avq cÖvß Kwgkb
e¨q G‡RwÝ LiP Ae‡jL‡Ki Kwgkb- †UªRvwi wej I eÛ
mvewmwWqvwi mswkøó Avq I e¨q- wmwKDwiwU wcÖw›Us Ki‡cv‡ikb jf¨vsk Avq †bvU Qvcv‡bv e¨q
g~j e¨e¯’vcbv KZ…©cÿ †eZb, gRywi I Ab¨vb¨ myweavw` (†bvU bs 54.06)
evsjv‡`k miKv‡ii wbKU e‡Kqv w¯’wZ
I‡qR A¨vÛ wgbm& (13.01 †bv‡U D‡jøL¨) IfviWªvdU&-eøK IfviWªvdU&-Kv‡i›U †UªRvwi wej †UªRvwi eÛ Ab¨vb¨ m¤ú` (cÖvc¨ my`)
Ab¨vb¨ `vq
AvgvbZ evsjv‡`k miKv‡ii wbKU n‡Z FY
mvewmwWqvwi mswkøó w¯’wZ- wmwKDwiwU wcÖw›Us Ki‡cv‡ikb
Ab¨vb¨ m¤ú`-AwMÖg cwi‡kva Ges AvMvg Ab¨ `vqmg~n-wewea cvIbv`vi
e‡Kqv 2015
Mo e‡Kqv 2014
Mo
2015 UvKv'000
2014 UvKv'000
24,354,400 86,850,000
- -
1,085,185 29,491
112,319,076
12,177,200 109,180,000
- 1,163,584
18,054,980 405,312
140,981,076
- 131,510,000
- 2,327,168
35,024,775 781,134
169,643,077
10,000,000 138,887,155 36,022,500 2,847,150
49,012,660 1,284,140
238,053,604
5,033 2,721,734 2,726,767
20,602,091 2,743,157
23,345,248
41,199,148 2,764,580 43,963,728
20,602,078 2,800,919
23,402,996
4,127,278 1,335,120
3,713,199 1,513,596
3,299,119 1,692,073
3,574,366 1,483,314
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203
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
918,989 1,106,605
2015 UvKvq '000
2014 UvKvq '000
evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
53.01 miKvi I miKvi wbqwš¿Z ms¯’vi mv‡_ †jb‡`b
Pjgvb cÖwμqvi Ask wn‡m‡e, e¨vsK ¯^v_© mswkøó cÿmg~‡ni mv‡_ †jb‡`b K‡i _v‡K| mswkøó cÿ- mg~‡ni g‡a¨ evsjv‡`k miKvi AšÍfz©³ hv e¨vs‡Ki me©gq ÿgZvi AwaKvix, ZvQvov wewfbœ miKvwi wWcvU©‡g›U Ges miKvwi wbqwš¿Z ms¯’vmg~‡ni mv‡_ e¨vsK †jb‡`b K‡i _v‡K| mKj †jb‡`b evRv‡ii nvi Abyhvqx m¤úv`b Kiv n‡q _v‡K| †h †jb‡`bmg~n AšÍfz©³ nq Zv n‡jv t
K) evsjv‡`k e¨vsK miKv‡ii †Kvlva¨¶, e¨vsKvi Ges Avw_©K Dc‡`óv wn‡m‡e f‚wgKv iv‡L; e¨vsK miKv‡ii, miKvwi cÖwZwbwai Ges wewfbœ miKvwi cÖwZôv‡bi RgvKviK wn‡m‡e KvR K‡i, miKvi I miKvwi wefvMmg~n Ges ms¯’vmg~n‡K e¨vswKs †mev cÖ`vb K‡i|
L) miKv‡ii cÖwZwbwa wn‡m‡e Kvh© m¤úv`‡bi †¶‡Î e¨vsK miKvi Ges miKv‡ii cÖwZwbwa I cÖwZôvbmg~n‡K M¨vivw›U I FY cÖ`vb K‡i _v‡K Ges ˆe‡`wkK gy`ªvi wiRvf© wbqš¿Y K‡i;
M) miKvi Ges miKvi wbqwš¿Z ms¯’v I cÖwZôvbmg~‡n †mev cÖ`v‡bi wewbg‡q e¨vsK mvaviYZ †Kvb Kwgkb, wd A_ev PvR© Av`vq K‡i bv|
N) miKv‡ii cÖwZwbwa wn‡m‡e e¨vsK miKvwi wmwKDwiwUR Bmy¨ K‡i _v‡K Ges Bmy¨i AwewjK…Z Ask I e¨vs‡Ki Rb¨ wba©vwiZ Ask wb‡R μq K‡i _v‡K|
O) miKv‡ii cÖwZwbwa wn‡m‡e e¨vsK miKvwi FY I ˆe‡`wkK wiRvf© Gi e¨e¯’vcbv K‡i _v‡K|
PjwZ eQ‡i e¨vsK miKv‡ii c‡ÿ 2,800,540.00 wgwjqb UvKv M ÖnY (2014 mv‡j 2,731,440 wgwjqb) Ges 2,866,080.00 wgwjqb (2014 mv‡j 2,598,210.00 wgwjqb) UvKv cwi‡kva K‡i‡Q| 30 Ryb 2015 Zvwi‡L †gvU e‡Kqv w¯’wZi cwigvY 111,210.00 wgwjqb UvKv|
(P) e¨e¯’vcbvi Aaxb¯’ m¤ú`
Rvcvb n‡Z ÎvY cÖvwß
evsjv‡`k e¨vsK evsjv‡`k miKv‡ii cÖwZwbwa wn‡m‡e Rvcv‡bi wbKU n‡Z cÖvß ÎvY e¨e¯’vcbv K‡i|
53.02 Zvrch©c~Y© wewb‡qvM mswkøó cÿmg~‡ni mv‡_ †jb‡`b
PjwZ eQ‡i e¨vsK nvDR wewìs dvBb¨vÝ K‡c©v‡ikb n‡Z wW‡eÂv‡ii my` eve` 311.39 wgwjqb UvKv MªnY K‡i‡Q, hv my` Avq wn‡m‡e AšÍfy©³ Kiv n‡q‡Q|
53.03 wbqš¿Yvaxb cÖwZôv‡bi mv‡_ †jb‡`b
PjwZ eQ‡i e¨vsK e¨emvwqK Kvh©μ‡gi Ask wn‡m‡e †bvU gy`ªY e¨q eve` 3,817.29 wgwjqb UvKv (2014: 3,885.92 wgwjqb UvKv) wmwKDwiwU wcÖw›Us Ki‡cv‡ikb, evsjv‡`k wjt †K cwi‡kva K‡i‡Q, hv mvgwMÖK Avq weeiYx‡Z AšÍfz©³ Kiv n‡q‡Q| GwU 100% †kqvi gvwjKvbvaxb e¨vs‡Ki mvewmwWqvwi cÖwZôvb| mgwš^Z Avw_©K weeiYx cÖ¯‘‡Zi mgq G †jb‡`b ev` †`qv n‡q‡Q| PjwZ A_©eQ‡i wmwKDwiwU wcÖw›Us Ki‡cv‡ikb, evsjv‡`k wjt Zv‡`i †ev‡W©i wm×všÍ †gvZv‡eK 25 wgwjqb UvKv (2014: 25 wgwjqb) jf¨vsk cÖ`vb K‡i‡Q|
204
evsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmvePZz`©k Aa¨vq
W. AvwZDi ingvb - cwiPvjK cl©‡`i mfvcwZ Ges Mfb©i wn‡m‡e 1 †g 2009 ZvwiL n‡Z Pvi eQ‡ii Rb¨ wbhy³ nb| cieZ©x mg‡q 1 †g 2013 n‡Z 2 AvM÷ 2016 ch©šÍ mgqKv‡ji Rb¨ cybivq wb‡qvMcÖvß nb|
Rbve †gvt Aveyj Kv‡mg - 13 †deªæqvwi 2012 ZvwiL n‡Z 6 RyjvB 2015 ZvwiL ch©šÍ mg‡qi Rb¨ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb Ges GKB mv‡_ wZwb †WcywU Mfb©i wn‡m‡e wbhy³ Av‡Qb|
M) W. †gv¯Ídv Kvgvj gy‡Rix - 11 gvP© 2010 ZvwiL n‡Z 3 eQi mgqKvj ch©šÍ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb Ges GKB mv‡_ wZwb evs©jv‡`k Bbw÷wUDU Ae †W‡fjc‡g›U ÷vwWR, †ki-B-evsjv bMi, XvKv Gi wbe©vnx cwiPvjK wn‡m‡e wb‡qvwRZ Av‡Qb| c‡i 11 gvP© 2013 n‡Z 10 gvP© 2016 ch©šÍ mgqKv‡ji Rb¨ cybivq wb‡qvMcÖvß nb|
N) Aa¨vcK mbr Kzgvi mvnv - 11 gvP© 2010 ZvwiL n‡Z wZb eQ‡ii Rb¨ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb| c‡i 11 gvP© 2013 n‡Z 10 gvP © 2016 ch©š Í mgqKv‡ji Rb¨ cybivq wb‡qvMcÖvß nb| wZwb ivRkvnx wek¦we`¨vjq, ivRkvnx Gi GKRb cÖv³b Aa¨vcK|
O) W. mvw`K Avn‡g` - 11 gvP© 2010 ZvwiL n‡Z wZb eQ‡ii Rb¨ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb| c‡i 11 gvP© 2013 n‡Z 10 gvP© 2016 ch©šÍ mgqKv‡ji Rb¨ cybivq wb‡qvMcÖvß nb| wZwb wek¦e¨vsK, BDGmG Gi GKRb cÖv³b cwiPvjK Ges cwjwm wimvP© Bbw÷wUDU, ebvbx, XvKv Gi fvBm †Pqvig¨vb|
m`m¨
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evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
53.04 Aemi Kj¨vY cwiKíbvq †jb‡`b
A¨vKPzqvwiq¨vj f¨vjy‡qkb cÖwZ‡e`b Abyhvqx ch©vß Znwej _vKvq we‡eP¨ eQ‡i e¨vs‡Ki e¨q LvZ n‡Z Aemi Kj¨vY cwiKíbv (G †cbkb cwiKíbvq weaev/wecZœxKMY AšÍfz©³ Av‡Qb) eve` †Kvb A_© ¯’vbvšÍ‡ii cÖ‡qvRb nqwb, Aemi myweav cwiKíbvi AvIZvq RgvK…Z A‡_©i w¯’wZ †bvU bs 52-G D‡jøL Kiv n‡q‡Q|
53.05 cwiPvjK cl©` I e¨e¯’vcbvq wbhy³ gyL¨ m`m¨MY
A¨vKPzqvwiq¨vj f¨vjy‡qkb cÖwZ‡e`b Abyhvqx ch©vß Znwej _vKvq we‡eP¨ eQ‡i e¨vs‡Ki e¨q LvZ n‡Z Aemi Kj¨vY cwiKíbv (G †cbkb cwiKíbvq weaev/wecZœxKMY AšÍfz©³ Av‡Qb) eve` †Kvb A_© ¯’vbvšÍ‡ii cÖ‡qvRb nqwb, Aemi myweav cwiKíbvi AvIZvq RgvK…Z A‡_©i w¯’wZ †bvU bs 52-G D‡jøL Kiv n‡q‡Q|
205
PZz`©k Aa¨vqevsjv‡`k e¨vs‡Ki 2014-2015 A_©eQ‡ii wnmve
P) cÖ‡dmi nvbœvbv †eMg - 11 gvP© 2010 ZvwiL n‡Z wZb eQ‡ii Rb¨ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb| c‡i 11 gvP© 2013 n‡Z 10 gvP© 2016 ch©šÍ mgqKv‡ji Rb¨ cybivq wb‡qvMcÖvß nb| wZwb B‡Wb K‡j‡Ri cÖv³b Aa¨ÿ|
S) W. Gg. Avmjvg Avjg - 13 b‡f¤^i 2012 ZvwiL n‡Z cieZ©x Av‡`k bv nIqv ch©šÍ evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb Ges GKB mv‡_ wZwb MYc ÖRvZš ¿ x evsjv‡`k miKv‡ii A_ © gš¿Yvj‡qi e¨vsK I Avw_©K cÖwZôvb wefv‡M mwPe c‡` wbhy³ Av‡Qb|
T) †gvt bwReyi ingvb - 25 Rvbyqvwi 2015 ZvwiL n‡Z cieZ© x Av‡`k bv nIqv ch©š Í evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb Ges GKB mv‡_ wZwb MYc ÖRvZš ¿ x evsjv‡`k miKv‡ii A_ © gš¿Yvj‡qi Af¨šÍixY m¤ú` wefv‡M mwPe Ges RvZxq ivR¯ †ev‡W©i †Pqvig¨vb c‡` wbhy³ Av‡Qb|
U) †gvt gvneye Avn‡g` - 27 RyjvB 2014 ZvwiL n‡Z cieZ©x Av‡`k bv nIqv ch©š Í evsjv‡`k e¨vs‡Ki cwiPvjK cl©‡`i cwiPvjK wn‡m‡e wbhy³ nb Ges GKB mv‡_ wZwb MYcÖRvZš¿ x evsjv‡`k miKv‡ii A_© gš ¿Yvj‡qi A_© wefv‡M wmwbqi mwPe c‡` wbh y³ Av‡Qb|
AÎ eQ‡i AbywôZ mfvi msL¨v
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evsjv‡`k e¨vsK t Avw_©K weeiYxi †bvUmg~n30 Ryb 2015 Zvwi‡L mgvß eQ‡ii Rb¨
53.06 cwiPvjK cl©` I D”P e¨e¯’vcbvq wbhy³ m`m¨M‡Yi m¤§vbbv
cwiPvjK cl©‡`i m`m¨MY m¤§vbbv eve` †gvU UvKv 523,392 (2014 mv‡j:†gvU 523,392 UvKv) Ges Mfb©i †eZb eve` UvKv 590,400 (2014 mv‡j:†gvU 590,400 UvKv) †c‡q‡Qb| GQvov Mfb©i mymw¾Z Avevmb myweav Ges mve©ÿwYK hvZvqvZ myweav †c‡q _v‡Kb| e¨e¯’vcbvq wb‡qvwRZ Ab¨ gyL¨ Kg©KZ©vMY †eZb eve` 2,855,520 (2014 mv‡j: 2,855,520 UvKv) †c‡q‡Qb| GQvovI Zuviv Awdm n‡Z Avevmb I hvZvqvZ myweav †c‡q _v‡Kb|
54 w¯’wZc‡Îi Zvwi‡Li cieZ©x welqmg~n
w¯’wZc‡Îi ZvwiL n‡Z w¯’wZcÎ Bmy¨i Aby‡gv`‡bi ZvwiL ch©šÍ mgqKv‡j Avw_©K weeiYx‡Z mgš^q‡hvM¨ ev cÖKvk‡hvM¨ D‡jøL‡hvM¨ †Kvb NUbv N‡Uwb|
55 Avw_©K cÖwZ‡e`‡bi Rb¨ cwiPvjK‡`i `vqe×Zv
30 AvM÷ 2015 Zvwi‡L cwiPvjK cl©` e¨vs‡Ki Avw_©K weeiYxmg~n Aby‡gv`b K‡i‡Q|
8 6 8
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cÖwKDi‡g›U/†UÛvwis Kvh©μ‡g KvM‡Ri e¨envi n«vm Ges ¯^”QZv, Revew`wnZv I `ÿZv e„w× Ges D³ Kvh©μ‡gi AwaKZi Dbœqb mva‡bi j‡ÿ¨ evsjv‡`‡k Kvh©iZ me Zdwmwj e¨vsK I Avw_©K cÖwZôvb‡K wW‡m¤^i 2015 Gi g‡a¨ B-†UÛvwis e¨e¯’v cÖeZ©b Ki‡Z wb‡`©kbv cÖ`vb Kiv n‡q‡Q|
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31 Rvbyqvwi 2015 ZvwiL n‡Z mKj Zdwmwj e¨vsK‡K 10 (`k) I 50 (cÂvk) UvKv g~j¨gv‡bi evsjv‡`k cÖvBRe‡Ûi mKj Kvh©μg P‚ovšÍfv‡e eÜ Kivi wb‡`©kbv cÖ`vb Kiv n‡q‡Q|
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Av‡iv D‡jøL¨, e¨vsK KZ…©K B”QvgvwdK XvjvIfv‡e Kg©KZ©v/Kg©Pvix QuvUvB i` Ki‡Z n‡e| wb‡qvMKv‡j †ckv`vwi‡Z¡i mv‡_ cÖv_x© hvPvB-evQvB Ki‡Z n‡e| wb‡qvMK…Z Kg©KZ©v/ Kg©Pvix‡`i cÖ‡qvRbxq cÖwkÿ‡Yi gva¨‡g Dchy³ K‡i M‡o Zyj‡Z n‡e| GQvov, e¨vs‡Ki Kg©KZ©vM‡Yi PvKzix‡Z B¯Ídv, PvKzix n‡Z eiLv¯ÍKiY wKsev AcmviY Ges cieZx© Avw_©K myweav cÖvwßi †ÿ‡Î International Labour Organisation Conventions, evsjv‡`k kÖg AvBb, 2006 I mg‡q mg‡q evsjv‡`k e¨vsK KZ©…K cÖ`Ë wb‡`©kbvi h_vh_ cÖwZdjb NwU‡q e¨vs‡Ki mvwf©m iæjm& ms‡kvabc~e©K Zvi h_vh_ cwicvjb wbwðZ Ki‡Z n‡e|
GKKvjxb cwi‡kva mxgv wejw¤^Z g~j¨ cwi‡kva e¨e¯’vq Avg`vwb‡hvM¨ cY¨ Qq gv‡mi AbwaK mg‡qi A_©vq‡b Avg`vwbi †ÿ‡Î 0.5 wgwjqb gvwK©b Wjvi n‡Z e„w× K‡i 1.0 wgwjqb gvwK©b Wjv‡i DbœxZ Kiv n‡q‡Q|
†g 2015
†g 2015
†g 2015
RyjvB 2014
L. ˆe‡`wkK LvZ Dbœqb
214
cÖavb bxwZgvjvi ch©vqμwgK †NvlYv t A_©eQi 15cwiwkó-1
miKvi PjwZ A_©eQi 15-G ZvwjKvfz³ 14wU cY¨ ißvwb Lv‡Z ißvwb fZz©wK/bM` mnvqZv cÖ`v‡bi wm×všÍ MÖnY K‡i‡Q|
cÖevmx †iwgU¨v‡Ýi A_© †ewbwdwmqvwi ch©v‡q weZi‡Yi m‡e©v”P mgqmxgv 72 NÈvi cwie‡Z© m‡e©v”P 2 ( yB) Kvh©w`em cybtwba©viY Kiv n‡q‡Q|
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evsjv‡`k cøvw÷K ¸Wm g¨vbyd¨vKPvivm© A¨vÛ G·‡cvU©vm© A¨v‡mvwm‡qkb (wewcwRGgBG) Gi m`m¨ cÖwZôvb¸‡jv e„nr AvKv‡i Drcv`b DcKiYvw` Avg`vwbi Rb¨ BwWGd Gi AvIZvq Af¨šÍixY e¨vK Uz e¨vK FYc‡Îi gva¨‡g GKK FY MÖnxZvi m‡e©v”P mxgv 0.5 wgwjqb gvwK©b Wjvi †_‡K 1.0 wgwjqb gvwK©b Wjv‡i e„w× Kiv n‡q‡Q|
BwWGd myweavq e„nr AvKv‡i Avg`vwbiZ AcÖwμqvRvZ myZv Ges ivmvqwbK `ªe¨ Avg`vwbi Rb¨ BwWGd Gi AvIZvq Af¨šÍixY e¨vK Uz e¨vK FYc‡Îi wecix‡Z GKK FY MÖnxZvi m‡e©v”P mxgv 10.0 (`k) wgwjqb gvwK©b Wjvi †_‡K 15.0 (c‡bi) wgwjqb gvwK©b Wjv‡i e„w× Kiv n‡q‡Q|
†emiKvwi Lv‡Zi Avg`vwbKviK‡K †c‡UªvwjqvgRvZ cY¨ Avg`vwbi Rb¨ evsjv‡`k GbvwR© †i¸‡jUwi Kwgkb AvBb, 2003 Abyhvqx GbvwR© †i¸‡jUwi Kwgkb Gi jvB‡mÝ MÖn‡Yi eva¨evaKZv i‡q‡Q| GgZve¯’vq, †c‡UªvwjqvgRvZ cY¨ Avg`vwbi Rb¨ FYcÎ †Lvjvi †ÿ‡Î Avg`vwb bxwZ Av‡`k 2012-2015 Ges evsjv‡`k GbvwR© †i¸‡jUwi Kwgkb AvBb, 2003 Gi cÖ‡hvR¨ wb‡`©kbv h_vh_fv‡e cwicvj‡bi Rb¨ e¨vsKmg~n‡K civgk© †`qv n‡q‡Q|
Bwc‡RW Gi evB‡i Aew¯’Z ïé eÛ/wWDwU Wª-e¨vK myweav MÖnYKvixmn ˆZwi †cvkvK ißvwbKviK mKj cÖwZôvb ißvwb g~‡j¨i (FoB g~‡j¨i) Ici 0.25 kZvsk nv‡i bM` mnvqZv cÖvc¨ n‡e g‡g© wm×všÍ MÖnY Kiv n‡q‡Q|
wkwcs jvBb/Gqvi jvBb/jvB‡mÝavix †d«BU diIqvW©viMY‡`i ˆe‡`wkK gy`ªv A¨vKvD›U †Lvjv Ges e¨envi Kivi e¨vcv‡i AbygwZ †`qv n‡q‡Q| GUv ¯úó Kiv n‡q‡Q †h, jvB‡mÝavix †d«BU diIqvW©viMY ißvwbi (FoB g~‡j¨i) †ÿ‡Î †d«BU Pv‡R©i wecix‡Z ˆe‡`wkK gy`ªvi Avgvb‡Zi wnmve DØ„Ë Avq wn‡m‡e †`‡ki evB‡i †iwgU¨vÝ †cÖiY Ki‡Z cvi‡e| G‡ÿ‡Î †`‡ki evB‡i †iwgU¨vÝ †cÖi‡Yi Rb¨ ¯’vbxq gy`ªvq Av‡M ˆe‡`wkK gy`ªv A¨vKvD‡›U Rgv ˆe‡`wkK gy`ªv e¨v‡jÝ e¨envi Ki‡Z n‡e| ZvQvov, wWjvi e¨vsKmg~n ¯’vbxq gy`ªvi ¯^íZvi †ÿ‡Î wkwcs jvBb/Gqvi jvB‡bi gva¨‡g ¯’vbxq LiP †gUv‡bvi Rb¨ ch©vß cwigvY ˆe‡`wkK gy`ªv bM`vqb Ki‡Z cvivi e¨vcv‡i Zv‡`i wb‡R‡`i wbwðZ Ki‡Z n‡e Ges bM`vqb mvwU©wd‡K‡Ui mv‡_ †÷U‡g›U Rgv w`‡e|
RyjvB 2014
RyjvB 2014
RyjvB 2014
†m‡Þ¤^i 2014
†m‡Þ¤^i 2014
A‡±vei 2014
A‡±vei 2014
Rvbyqvwi 2015
215
cÖavb bxwZgvjvi ch©vqμwgK †NvlYv t A_©eQi 15 cwiwkó-1
ißvwbi (FoB g~‡j¨i) wecix‡Z bM`vqb mvwU©wd‡KU mgw_©Z †`‡ki evB‡i †iwg‡UÝ †cÖiY GwcÖj 2015 †_‡K Kvh©Ki n‡q‡Q|
ˆe‡`wkK gy`ªvq evsjv‡`wk cY¨ A_ev Drcv`b DcKiYvw` Bwc‡RW¯’ cÖwZôv‡b weμq Kvh©μg ißvwb wn‡m‡e we‡ewPZ n‡e Ges G RvZxq †jb‡`‡bi †ÿ‡Î cÖPwjZ ˆe‡`wkK gy`ªv †jb‡`b e¨e¯’vq BG·wc di‡g †NvlYv Ges ißvwb g~j¨ cÖZ¨vevmb m¤úwK©Z wb‡`©kbv cÖ‡hvR¨ n‡e| G ai‡bi ißvwb Bwc‡RW¯’ cÖwZôv‡bi Rb¨ Avg`vwb wn‡m‡e we‡ePbv Kiv nq| Bwc‡RW¯’ cÖwZôv‡bi Avg`vwb‡hvM¨ cY¨ Avg`vwbi †ÿ‡Î wi‡cvwU©s c×wZ mnRxKi‡Yi j‡ÿ¨ G g‡g© wm×všÍ M„nxZ n‡q‡Q †h, Bwc‡RW¯’ cÖwZôv‡bi Aby‡gvw`Z wWjvi e¨vsK Avg`vwb †jb‡`b evsjv‡`k e¨vs‡K wi‡cvU© Ki‡Z cvi‡e| B·wc di‡gi m~Î D‡jøLc~e©K wi‡cvwU©s c×wZ AvšÍtBwc‡RW¯’ cÖwZôv‡bi g‡a¨ Ges Bwc‡RW cÖwZôv‡bi mv‡_ Ab¨ Bwc‡RW¯’ cÖwZôv‡bi †jb‡`‡bi †ÿ‡ÎI cÖ‡hvR¨ n‡e|
¯’j e›`i w`‡q Kqjv Avg`vwbi †ÿ‡Î myBdU e¨ZxZ Gjwm ¯’vc‡bi EaŸ©mxgv 7500 gvwK©b Wjvi †_‡K 10000 gvwK©b Wjv‡i DbœxZ Kivi wm×všÍ M„nxZ n‡q‡Q|
eZ©gvb wb‡`©kbv Abymv‡i ißvwbKviKMY evsjv‡`k e¨vs‡Ki c~e©vbygwZ e¨ZxZ we‡`‡k Awdm iÿYv‡eÿY, KuvPvgvj, †gwkbvwi Ges hš¿vsk BZ¨vw` Avg`vwbi e¨q wbe©vnmn we‡`‡k wbe©vn‡hvM¨ Ab¨vb¨ cÖK…Z e¨emvwqK e¨q wbe©v‡ni wbwg‡Ë ißvwb Av‡qi GKwU wbw`©ó Ask ˆe‡`wkK gy`ªv wnmv‡e aviY Ki‡Z cv‡ib| Av‡jvP¨ myweav m¤úªmvi‡Yi Rb¨ exporters retention quota (ERQ) ewa©Z Kivi wm×všÍ M„nxZ n‡q‡Q t
K. ¯’vbxq ch©v‡q D”P g~j¨ ms‡hvRbm¤úbœ cY¨ ißvwbi †ÿ‡Î ißvwb Avq n‡Z ERQ wnmv‡e msiwÿZe¨ ˆe‡`wkK gy`ªvi cwigvY BwZc~‡e©© Aby‡gvw`Z kZKiv 50 fvM n‡Z kZKiv 60 fv‡M DbœxZ Kiv n‡jv|
L. D”P Avg`vwb wbf©i cY¨ ißvwbi †ÿ‡Î ißvwb Avq n‡Z ERQ wn‡m‡e msiwÿZe¨ ˆe‡`wkK gy`ªvi cwigvY BwZc~‡e© Aby‡gvw`Z kZKiv 10 fvM n‡Z kZKiv 15 fv‡M DbœxZ Kiv n‡jv|
M. †mev ißvwbi †ÿ‡Î ißvwb Avq n‡Z ERQ wnmv‡e msiwÿZe¨ ˆe‡`wkK gy`ªvi cwigvY BwZc~‡e© Aby‡gvw`Z kZKiv 50 fvM n‡Z kZKiv 60 fv‡M DbœxZ Kiv n‡jv|
†deªæqvwi 2015
†g 2015
†g 2015
cwiwkó-2A_©eQi 15-G evsjv‡`k e¨vs‡Ki M‡elYv Kvh©μg
217
219
evsjv‡`k e¨vs‡Ki mv¤úªwZK M‡elYv Kvh©μ‡gi mvims‡ÿc Ges ¯^í/ga¨‡gqvw` Kg©m~wP
M‡elYv wefvM, gwbUvwi cwjwm wWcvU©‡g›U Ges Pxd B‡Kv‡bvwg÷Õm BDwbU Gi wKQz ¸iæZ¡c~Y© Kv‡Ri mswÿß GLv‡b ewY©Z n‡jv| GQvov evsjv‡`k e¨vs‡Ki Ab¨vb¨ wefv‡Mi we‡kølYag©x/Pjgvb M‡elYv Kvh©μ‡gi DciI ms‡ÿ‡c Av‡jvKcvZ Kiv n‡jv| mKj Kvh©μg wb‡¤œv³ †kÖwY‡Z wef³ t (K) evsjv‡`‡ki A_©bxwZi mvgwMÖK Ges welqwfwËK AMÖMwZi mgwš^Z we‡kølY (L) mywbw`©ó A_©‰bwZK/Avw_©K Lv‡Zi Dci cÖv‡qvwMK M‡elYv Ges (M) we‡kølYgyLx bZzb †KŠk‡ji AMÖMwZ I mÿgZv ˆZwi|
evsjv‡`‡ki A_©bxwZ m¤ú©wKZ we‡kølYag©x Av‡jvPbv Ges Zv‡`i †cŠbtcywbKZv (frequency)
(K) evsjv‡`k e¨vs‡Ki evwl©K wi‡cvU© (Bs‡iwR ms¯‹iY)- Ab¨vb¨ wefvM †_‡K msM„nxZ Z_¨-DcvË wb‡q M‡elYv wefvM KZ…©K cÖ_g Lmov cÖYqb Ges W. Aveyj evkvi, wimvP© †d‡jv, evsjv‡`k Dbœqb M‡elYv cÖwZôvb (weAvBwWGm) KZ…©K P‚ovšÍ m¤úv`bv;
(L) Monetary Policy Review (MPR)- gy`ªvbxwZi AMÖMwZ msμvšÍ evwl©K cÖKvkbv Ges Pxd B‡Kv‡bvwg÷Õm BDwbU KZ…©K cÖ`Ë mywbw`©ó cÖvmw½K wel‡qi Dci we‡kølYag©x cÖwZ‡e`b;
(M) Monetary Policy Statement (MPS) - Pxd B‡Kv‡bvwg÷Õm BDwbU Ges gwbUvwi cwjwm wWcvU©‡g›U Gi †hŠ_fv‡e cÖ¯‘ZK…Z Aa©evwl©K A_©‰bwZK AMÖMwZi lvY¥vwmK nvjbvMv`K…Z Z_¨mn gy`ªvbxwZi †KŠk‡ji †NvlYv;
(N) Bangladesh Bank Quarterly (BBQ)- Pxd B‡Kv‡bvwg÷Õm BDwbU KZ…©K cÖ¯‘ZK…Z ¯^í‡gqvw` m¤¢vebvmn ˆÎgvwm‡Ki A_©‰bwZK AMÖMwZi we‡kølY;
(O) ˆÎgvwmK ch©v‡jvPbv- M‡elYv wefvM KZ…©K cÖ¯‘ZK…Z ˆZwi †cvkvK LvZ, †iwgU¨v‡Ýi MwZaviv Ges BmjvwgK e¨vswKs msμvšÍ AMÖMwZi we‡kølY;
(P) Monthly Economic Indicators (MEI)- gwbUvwi cwjwm wWcvU©‡g›U KZ…©K cÖ¯‘ZK…Z cÖavb wb‡`©kK¸‡jvi gvwmK nvjbvMv`K…Z cÖwZ‡e`b;
(Q) M‡elYv wefvM KZ…©K A_©gš¿Yvj‡qi evwl©K cÖKvkbv Òe¨vsK, exgv I Avw_©K cÖwZôvbmg~‡ni Kvh©μgÓ cyw¯ÍKvi cvÛzwjwc cÖ¯‘ZKiY;
(R) M‡elYv wefvM KZ…©K A_©gš¿Yvj‡qi RvZxq ev‡RU WKz‡g›U Ges Òevsjv‡`k A_©‰bwZK mgxÿvÓ Gi Background Paper cÖ¯‘ZKiY;
(S) Quarterly Financial Stability Assessment Report- dvBb¨vwÝqvj ÷¨vwewjwU wWcvU©‡g›U KZ…©K weMZ ˆÎgvwmKmg~‡ni Avw_©K cwieZ©b/AMÖMwZ m¤úwK©Z we‡kølY;
(T) Vibrant Bangladesh: A Stable and Potential Economy- Pxd B‡Kv‡bvwg÷Õm BDwbU, gwbUvwi cwjwm wWcvU©‡g›U, M‡elYv wefvM, ˆe‡`wkK gy`ªv bxwZ wefvM, Ges cwimsL¨vb wefvM KZ…©K †hŠ_fv‡e cÖ¯‘ZK…Z KvjwfwËK A_©‰bwZK AMÖMwZi we‡kølY;
cwiwkó-2
A_©eQi 15 Ges Pjgvb mywbw`©ó A_©‰bwZK/Avw_©K LvZ welqK AwfÁZvwfwËK we‡kølY
(K) gy`ªvbxwZ/g~j¨ùxwZ m¤úwK©Z
"Sources of Exchange Rate Fluctuations in Bangladesh" (M‡elYv wefvM, gwbUvwi cwjwm wWcvU©‡g›U I Pxd B‡Kv‡bvwg÷Õm BDwbU KZ…©K cÖ¯‘ZK…Z Ges BBTA Journal, Thoughts on Banking and Finance, Volume 3, Issue 2, G cÖKvwkZ)
"Real Exchange Rate and its impact on Export, Import and Trade Balance: Is there any J-Curve Effect in Bangladesh?" (gwbUvwi cwjwm wWcvU©‡g›U Ges M‡elYv wefvM Gi IqvwK©s †ccvi wn‡m‡e cÖKvwkZ)
"Forecasting Output Growth of Bangladesh" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Will the Growth of Remittances to Bangladesh Rebound in 2015?" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Forecasting Bangladesh’s Inflation Using Seasonal ARIMA Models" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Determinants of Inflation in Bangladesh: Evidence from Bayesian Vector Auto Regression" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Exchange Rate policy in Bangladesh: An overview" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Balance of Payment Constrained Economic Growth: Evidence from Bangladesh" (Pxd B‡Kv‡bvwg÷Õm BDwbU Ges cwimsL¨vb wefvM Gi Pjgvb IqvwK©s †ccvi)
"Real or Nominal Shock— What Drives the Exchange Rate Movements in Bangladesh?" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"The Effectiveness of Monetary Policy in Bangladesh: A VAR Approach" (cwjwm mv‡cvU© DBs Gi Pjgvb IqvwK©s †ccvi)
"Does Public Investment Crowd-out Private Investment? Evidence from Bangladesh" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Real Effective Exchange Rate and Its Impact on Export Earnings in Bangladesh" (M‡elYv wefvM Ges gwbUvwi cwjwm wWcvU©‡g›U Gi Pjgvb IqvwK©s †ccvi)
"Inflation and Economic Growth: Determining the Threshold Level of Inflation in Bangladesh" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
220
A_©eQi 15-G evsjv‡`k e¨vs‡Ki M‡elYv Kvh©μgcwiwkó-2
"Goods Foster Manufacturing Output Growth in Bangladesh?" Evidence from Time Series Analysis (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Budget Deficit and Inflation: The Impact of Budget Deficit on Inflation When Monetary Variables are the Channel" (M‡elYv wefvM Ges gwbUvwi cwjwm wWcvU©‡g›U Gi Pjgvb IqvwK©s †ccvi)
"Impact of Money Supply on Interest Rate" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Inflation and Inflation Uncertainty in Bangladesh: Time Series Analysis" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Foreign Exchange (FX) Market Dynamics in Bangladesh with Floating Exchange Rate Regime" (dvBb¨vwÝqvj ÷¨vwewjwU wWcvU©‡g›U Gi Pjgvb IqvwK©s †ccvi)
(L) Avw_©K LvZ m¤úwK©Z
"Designing a Sustainable Financial System in Bangladesh" UNEP's Country Report on Bangladesh (†hŠ_fv‡e Bangladesh Bank, UNEP's Inquiry into Design of Sustainable Financial System and International Institute for Sustainable Development KZ…©K cÖ¯‘ZK…Z)
"Workers’ Remittances and the Dutch Disease in South Asian Countries" (cwjwm mv‡cvU© DBs KZ…©K cÖ¯‘ZK…Z Ges Applied Economics Letters G cÖKvwkZ)
"Trade-offs between Real Economic Activity and Bank Profitability for Implementing New Regulatory Standards: South Asian Perspective" (cwjwm mv‡cvU© DBs KZ…©K cÖ¯‘ZK…Z Ges 2nd International Conference on Economics and Finance of Nepal Rastra Bank at Kathmandu, Nepal G Dc¯’vwcZ)
"Revisiting the Gravity Model of Remittances: Implications for Bangladesh" (Pxd B‡Kv‡bvwg÷Õm BDwbU Ges cwjwm mv‡cvU© DBs KZ…©K cÖ¯‘ZK…Z Ges 2nd International Conference on Economics and Finance of Nepal Rastra Bank at Kathmandu, Nepal G Dc¯’vwcZ)
"Impact Assessment of Bangladesh Bank's Re-finance Scheme for Financiang Agricultural & Non-farm Rural Borrowers of Bangladesh Krishi Bank (BKB) and Rajshahi Krishi Unnayan Bank (RAKUB)" (M‡elYv wefvM KZ…©K we‡kl M‡elYv Kg©)
"Common Currency in SAARC Countries: Problems and Prospects" (M‡elYv wefvM KZ…©K cÖ¯‘ZK…Z Ges 19th Bi-annual Conference of Bangladesh Economic Association G Dc¯’vwcZ)
221
cwiwkó-2A_©eQi 15-G evsjv‡`k e¨vs‡Ki M‡elYv Kvh©μg
"Does Financial Development Spur Growth? Time Series Evidence from Bangladesh" (M‡elYv wefvM KZ…©K cÖ¯‘Z Ges 2nd International Conference on Economics and Finance of Nepal Rastra Bank at Kathmandu, Nepal G Dc¯’vwcZ)
"The Impact of State Ownership and Political Ownership on Efficiency of Banks-Evidence from Bangladesh" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Foreign Borrowing Worsening Domestic Credit Demand" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Changes of Loan Classification, Rescheduling, Provisioning and Write off Policies and Its Impact Analysis: An Overview" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Interaction between Public and Private Investment in Bangladesh" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Is Capital Market of Bangladesh Efficient?: A Non-parametric Approach" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Is Inflow of foreign Loans in Bangladesh Sensitive to Interest Rate Differentials?" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Nexus between Bank’s Liquidity and Profitability in Bangladesh: An Overview " (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Revisiting Marshall-Lerner Condition in the Economy of Bangladesh – A Cointegration Approach" (gwbUvwi cwjwm wWcvU©‡g›U Gi Pjgvb IqvwK©s †ccvi)
"Elasticity of Imports in Bangladesh: ARDL Bounds test Approach" (gwbUvwi cwjwm wWcvU©‡g›U Gi Pjgvb IqvwK©s †ccvi)
"Worsening Domestic Credit Demand" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"What Matters to the Profitability Measures of Banks in Bangladesh?" (cwjwm mv‡cvU© DBs Gi Pjgvb IqvwK©s †ccvi)
"Effects on the RMG sector of Bangladesh due to Recurrent Strike, Political Unrest: An Empirical Study" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Islamic Microfinance in Bangladesh: Performance, Potentials and Challenges" (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Measuring Systemic Liquidity Risk for Bangladesh" (dvBb¨vwÝqvj ÷¨vwewjwU wWcvU©‡g›U Gi Pjgvb IqvwK©s †ccvi)
222
cwiwkó-2 A_©eQi 15-G evsjv‡`k e¨vs‡Ki M‡elYv Kvh©μg
223
cwiwkó-2A_©eQi 15-G evsjv‡`k e¨vs‡Ki M‡elYv Kvh©μg
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"Role of Banks in Promoting Women Entrepreneurship in Bangladesh" (M‡elYv wefvM Ges gwbUvwi cwjwm wWcvU©‡g›U KZ…©K we‡kl M‡elYv Kg©)
"Measuring Financial Inclusion Index of Bangladesh: An Assessment of Inclusive Finance" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Measuring Financial Inclusion in South Asia: An Index Based Approach" (Pxd B‡Kv‡bvwg÷Õm BDwbU Gi Pjgvb IqvwK©s †ccvi)
"Financial Inclusion, Priority Sector Lending, and Rural Poverty-Bangladesh" Perspective (M‡elYv wefvM Gi Pjgvb IqvwK©s †ccvi)
"Utilisation of Remittances in Bangladesh" (M‡elYv wefvM Gi Pjgvb mv‡f© wi‡cvU©)
mÿgZv ˆZwi Ges Kjv-†KŠk‡ji AMÖMwZ
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228
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6.510.927.4
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18.819.717.4
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10552
6.06.8
28.4
10.79.01.7
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11.010.816.7
10.70.8
11.61.5
11989
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11.612.316.0
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13437
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Drm t evsjv‡`k A_©‰bwZK mgxÿv, 2015|
229
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
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77.3
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550.8157.3408.8162.9116.1103.2602.6
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5474.4
7050.71847.71543.3304.4
1433.51341.8
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206.61450.0
88.4934.6749.3185.367.4
359.63010.7
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230
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18.414.610.62.11.83.8
26.51.6
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14.00.8
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10.07.25.5
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6.76.28.4
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27.41.6
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10.010.86.6
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54.5
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10.4100.0
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10.310.78.89.08.05.5
6.26.56.39.14.06.56.34.83.3
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16.813.19.51.81.83.7
29.01.7
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54.2
14.00.8
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10.1100.0
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29.61.6
19.516.03.51.47.0
54.0
14.10.8
11.53.37.03.42.31.99.8
100.0
3.02.11.33.15.16.49.67.5
10.310.210.77.08.65.8
6.66.96.08.84.77.57.65.73.4
6.5
16.012.38.81.71.73.7
30.41.7
20.216.53.71.47.2
53.6
14.10.8
11.43.46.83.42.31.89.5
100.0mv = mvgwqK|Drm t evsjv‡`k cwimsL¨vb ey¨‡iv|
wRwWwcÕi LvZIqvwi Ask
231
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 5 t miKv‡ii ev‡RUvwi Kvh©μg
1 2 3 4 5 6 7 8
eY©bv A_©eQi10
A_©eQi11
A_©eQi12
A_©eQi13
A_©eQi14
A_©eQi 15m
A_©eQi 16(ev‡RU)
(wewjqb UvKv)
K| ivR¯^ Avq I ˆe‡`wkK Aby`vb 1) ivR¯^ Avq K) Ki ivR¯^ L) Ki ewnf‚©Z ivR¯^ 2) ˆe‡`wkK Aby`vbL| e¨q 1) Abybœqb ivR¯^ e¨q 2) Abybœqb g~jab e¨q 3) FY I AwMÖg (wbU) 4) evwl©K Dbœqb Kg©m~wP 5) Ab¨vb¨ e¨qM| mvwe©K NvUwZ (Aby`vb e¨ZxZ)N| mvwe©K NvUwZ (Aby`vbmn)O| A_©vqb 1) ˆe‡`wkK A_©vqb - wbU ˆe‡`wkK FY ˆe‡`wkK FY cwi‡kva 2) Af¨šÍixY A_©vqb - wbU e¨vswKs LvZ (wbU) e¨vsK ewnf©~Z (wbU)†g‡gvi¨vÛvg AvB‡Ug t wRwWwc (PjwZ evRvi g~‡j¨)
791.2759.1624.9134.232.2
1016.1670.161.69.3
255.519.6
257.0224.9218.660.4
110.0-49.7158.2-20.9179.1
6905.7
950.5929.9795.5134.420.6
1282.7774.753.972.5
332.848.8
352.8332.2332.226.380.6
-54.3305.9252.153.8
7875.0
1182.61146.9952.3194.735.7
1524.3893.0
71.6140.6375.144.0
377.4341.7341.736.395.1
-58.9305.4271.933.5
9147.8
1350.11281.31074.5206.868.8
1740.1993.849.4
169.6494.732.6
458.9390.0390.058.1
133.0-74.9331.9274.657.3
10379.9
1467.31403.81160.3243.463.6
1882.11105.7104.477.2
553.341.5
478.3414.8414.833.5
119.4-85.9381.4181.7199.7
11810.0
1690.51633.71406.8227.056.7
2396.71273.7220.396.4
750.056.3
763.0706.2706.2159.1238.7-79.6547.1317.1230.0
15136.0
2142.42084.41822.4262.058.0
2951.01645.7
199.977.6
970.057.8
866.6808.6808.6243.3322.4-79.1565.2385.2180.0
17167.0
m = ms‡kvwaZ|Drm t ev‡R‡Ui mswÿßmvi 2010-11, 2011-12, 2012-13, 2013-14 Ges 2015-16|
232
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vbcwiwkó-3
mviYx 6 t gy`ªv I FY
1 2 3 4 5 6 7 8 9weeiY A_©eQi
08A_©eQi
09A_©eQi
10A_©eQi
11A_©eQi
12A_©eQi
13A_©eQi
14A_©eQi15mv
(wewjqb UvKv)
1| e¨vcK gy`ªv (M2)@
2| †gvU Af¨šÍixY FY@
K) miKvwi LvZ 1) miKvi (wbU)@@
2) Ab¨vb¨ miKvwi LvZ L) †emiKvwi LvZ3| wRwWwcÕi kZKiv wn‡m‡e e¨vcK gy`ªv (PjwZ evRvi g~‡j¨)* kZKiv cÖe„w×1| e¨vcK gy`ªv (Gg2)@
2| †gvU Af¨šÍixY FY@
K) miKvwi LvZ 1) miKvi (wbU)@@
2) Ab¨vb¨ miKvwi LvZ L) †emiKvwi LvZ
2487.92470.5
569.1467.5101.6
1901.4
45.6
17.620.16.4
29.7-41.824.9
2965.02868.5689.3580.1109.2
2179.3
48.2
19.216.121.124.17.5
14.6
3630.33378.3
670.7542.5128.1
2707.6
52.3
22.417.8-2.7-6.517.324.2
4405.24308.9
901.8732.3169.5
3407.1
48.1
21.327.534.535.032.325.8
5171.15149.71070.7917.3153.4
4079.0
49.0
17.419.518.725.3-9.519.7
6035.15717.41195.81101.2
94.64521.6
50.3
16.711.011.720.1
-38.410.8
7876.17015.31269.31102.6166.7
5746.0
52.0mv
12.410.0-2.6-6.230.913.2
7006.26379.11302.71175.3127.4
5076.4
52.1m
16.111.68.96.7
34.712.3
@ Ryb †k‡li Z_¨ e¨envi Kiv n‡q‡Q|@ @ miKvi KZ…©K Bmy¨K…Z eÛmg~n G‡Z mgš^q Kiv n‡q‡Q| †bvU t (1) miKvwi wmwKDwiwUR Ges †UªRvwi wejmg~n e¨q g~‡j¨ †`Lv‡bv n‡q‡Q| (2) AwMÖg¸‡jv MÖm wfwˇZ|* wfwË eQi 2005-06|mv = mvgwqK, m = ms‡kvwaZ| Drm t (1) cwimsL¨vb wefvM, evsjv‡`k e¨vsK| (2) evsjv‡`k cwimsL¨vb ey¨‡iv|
233
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 7 t †fv³v g~j¨m~PK (wmwcAvB) Ges g~j¨ùxwZi nvi - RvZxq (wfwË t A_©eQi 96=100)
12-gv‡mi Mo wfwËK 12-gv‡mi c‡q›U-Uz-c‡q›U wfwËK
mgqmvaviY
m~PK m~PKevwl©K
g~j¨ùxwZinvi
evwl©Kg~j¨ùxwZi
nvim~PK
evwl©Kg~j¨ùxwZi
nvim~PK m~PK
evwl©Kg~j¨ùxwZi
nvi
evwl©Kg~j¨ùxwZi
nvim~PK
evwl©Kg~j¨ùxwZi
nvi
Lv`¨ Lv`¨mvaviYLv`¨-ewnf©~Z Lv`¨-ewnf©~Z
fvi 100.00 58.84 41.16 100.00 58.84 41.16
A_©eQi 06A_©eQi 07A_©eQi 08A_©eQi 09A_©eQi 10A_©eQi 11A_©eQi 12*A_©eQi 13*A_©eQi 14*A_©eQi 15*A_©eQi 15*RyjvB 14AvM÷ 14†m‡Þ¤^i 14A‡±vei 14b‡f¤^i 14wW‡m¤^i 14Rvbyqvwi 15†deªæqvwi 15gvP© 15GwcÖj 15†g 15Ryb 15
164.21176.04193.54206.43221.53241.02170.19181.73195.08207.58
196.18197.27198.37199.43200.44201.44202.43203.45204.49205.54206.55207.58
7.167.209.946.667.318.808.696.787.356.40
7.287.247.227.187.106.996.876.766.666.576.466.40
170.35184.16206.78221.64240.55267.83183.65193.24209.79223.80
211.11212.40213.72214.97216.10217.13218.21219.30220.44221.60222.69223.80
7.768.11
12.287.198.53
11.347.725.228.576.68
8.558.518.488.378.187.917.687.457.247.046.816.68
156.56165.79176.26186.67196.84205.01152.94166.97176.22186.79
177.04177.86178.68179.51180.36181.31182.20183.13184.04184.95185.86186.79
6.405.906.325.915.454.15
10.219.175.545.99
5.415.375.345.405.475.605.645.715.785.855.945.99
169.32184.89203.45208.02226.11249.11170.33184.04196.86209.17
199.94202.53205.39206.81206.86207.78210.12210.74211.31211.51208.77209.17
7.549.20
10.042.258.70
10.175.558.056.976.25
7.046.916.846.606.216.116.046.146.276.326.196.25
176.82194.19221.57222.13246.29277.11179.74194.58210.15223.43
214.74218.66222.66224.23223.81224.20226.61227.25228.12228.39223.36223.43
8.819.82
14.100.25
10.8812.512.568.268.006.32
7.947.677.637.166.445.866.076.116.376.486.236.32
159.86173.19179.32189.98199.94211.39158.27170.53179.82190.88
180.95181.85183.25184.47185.14186.62188.98189.58189.77189.86190.07190.88
5.738.343.545.945.245.73
10.217.755.456.15
5.715.765.635.745.846.486.016.206.126.086.146.15
* = bZzb wfwË 2005-06 Ges Lv`¨ I Lv`¨-ewnf‚©Z Gi †ÿ‡Î fvi h_vμ‡g 56.18 I 43.82|Drm t evsjv‡`k cwimsL¨vb ey¨‡iv|
234
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vbcwiwkó-3
fviDc-LvZμwg. A_©eQi 13
A_©eQi 14
A_©eQi 15
g¨vbyd¨vKPvwis wk‡íi mvaviY m~PK
Lv`¨
cvbxq
ZvgvK
e¯¿
†cvkvK cwi”Q`
Pvgov Ges PvgovRvZ `ªe¨
KvV I KvVRvZ `ªe¨ Ges KK©
KvMR I KvMRRvZ `ªe¨
wcÖw›Us A¨vÛ wicÖWvK&kb Ae †iK‡W©W wgwWqv
†KvK I cwi‡kvwaZ †c‡Uªvwjqvg
ivmvqwbK Ges imvqbRvZ `ªe¨
JlaRvZ Ges wPwKrmv Kv‡R e¨envh© †KwgK¨vj
ivevi Ges cøvw÷K `ªe¨
bb †gUvwjK LwbR `ªe¨
†gŠwjK avZe `ªe¨
†gwkbvwi e¨ZxZ Ab¨vb¨ †dweª‡K‡UW avZz
Kw¤úDUvi, B‡j±ªwb· Ges AcwUK¨vj cÖWv±
B‡j±ªwbK mvgMÖx
†gwkbvwi Ges BKz¨Bc‡g›U (Gb.B.wm)
†gvUihvb, †UªBjim& Ges †mwg †UªBjim&
Ab¨vb¨ hvbevnb miÄvg
AvmevecÎ
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
195.19
219.10
189.81
144.66
142.41
265.83
139.76
238.81
160.43
124.36
101.54
84.62
178.79
244.87
139.51
136.41
149.03
99.00
128.53
155.86
186.62
138.21
109.14
100.00
10.84
0.34
2.92
14.07
34.84
4.40
0.33
0.33
1.83
1.25
3.67
8.23
1.56
7.12
3.15
2.32
0.15
0.73
0.18
0.13
0.73
0.88
213.22
241.52
243.19
149.65
139.68
293.70
147.83
243.39
151.95
127.73
92.76
80.41
230.60
263.84
144.18
150.20
164.33
105.46
132.06
172.68
205.84
152.88
101.12
236.11
333.07
230.06
147.37
122.81
304.76
140.48
269.88
174.68
140.91
96.79
77.49
290.98
292.69
182.78
187.13
182.30
148.37
164.56
204.89
178.83
340.12
116.35
mviYx 8 t e„nr I gvSvwi g¨vbyd¨vKPvwis wkí Drcv`‡bi †Kvqv›Uvg m~PK (wfwË :A_©eQi 06 =100)
Drm t evsjv‡`k cwimsL¨vb ey¨‡iv|
mviYx 9 t wiRvf© gy`ªv I Zvi Dcv`vbmg~n
1 2 3 4 5 6=(2+3+4+5)
A_©eQi (Ryb †k‡l)
RbM‡Yi nv‡Z_vKv Kv‡iw݆bvU I gy`ªv
Zdwmwje¨vsKmg~‡n
iwÿZ bM` A_©
Zdwmwje¨vsKmg~n KZ…©K
evsjv‡`k e¨vs‡K Rgv*
Ab¨vb¨ Avw_©KcÖwZôvb KZ…©K
evsjv‡`k e¨vs‡K Rgv wiRvf© gy`ªv
19992000200120022003200420052006200720082009200920112012201320142015
86.9101.8114.8125.3139.0158.1185.2228.6266.4326.9360.5461.6548.0584.2675.5769.1879.4
10.310.913.513.514.414.818.120.321.429.634.043.157.364.878.285.8
102.1
50.358.061.066.860.865.670.490.1
105.7118.1231.6234.7290.1326.6368.0440.0498.4
---
0.10.10.20.40.50.71.11.42.12.02.43.13.94.9
147.5170.7189.3205.7214.3238.7274.1339.5394.2475.6627.5741.4897.3978.0
1124.91298.81484.8
* d‡ib Kv‡iwÝ wK¬qvwis A¨vKvD‡›U Rgvmn Ryb 2002 ch©šÍ Ges wiRvf© gy`ªv †m Abymv‡i ms‡kvab Kiv n‡q‡Q|Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|
(wewjqb UvKv)
235
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
236
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vbcwiwkó-3
mviYx 10 t wiRvf© gy`ªv I Zvi Drmmg~n
evsjv‡`k e¨vs‡Ki `vwe(wewjqb UvKv)
A_©eQi (Ryb †k‡l) miKvi
(wbU)Zdwmwj
e¨vsKmg~n
wbU ˆe‡`wkKm¤ú`
Ab¨vb¨m¤ú`(wbU)
wiRvf©gy`ªv†gvU
Ab¨vb¨ miKvwims¯’v I
Avw_©K cÖwZôvb
Ab¨vb¨ †emiKvwi
cÖwZôv‡b Rgv
1 2 3 4 5 6=(2+3+4+5) 7 8 9=(6+7+8)
19992000200120022003200420052006200720082009201020112012201320142015
63.681.0
101.1128.373.5
118.5156.7249.8259.3259.3284.7214.7317.1378.5270.738.4
8.1
46.242.943.747.348.558.561.363.464.473.368.566.1
186.1226.3102.262.856.6
13.713.213.012.812.812.411.110.19.99.58.58.37.8
11.813.512.021.6
8.19.09.9
10.111.412.413.414.315.817.020.225.931.436.041.842.746.4
131.6146.1167.7198.5146.2201.8242.5337.6349.4359.1381.9315.0542.4652.6428.2156.0132.7
46.256.748.172.3
118.1135.4146.9186.4287.7328.1432.3611.8613.4689.3
1032.51475.01774.0
-30.3-32.1-26.5-65.1-49.9-98.5
-115.3-184.5-242.9-211.6-186.7-185.4-258.5-363.9-335.8-332.2-421.9
147.5170.7189.3205.7214.4238.7274.1339.5394.2475.6627.5741.4897.3978.0
1124.91298.81484.8
Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|
237
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 11 t miKvwi Ges †emiKvwi Lv‡Zi AvgvbZmg~n
(wewjqb UvKv)
A_©eQi(Ryb †k‡l)
Zjwe AvgvbZ1/ †gqvw` AvgvbZ1/
miKvwi2/ †emiKvwi †emiKvwi3/†gvU †gvUmiKvwi2/
1 2 3 4 5 6 7
19992000200120022003200420052006200720082009201020112012201320142015 19992000200120022003200420052006200720082009201020112012201320142015
20.523.726.423.726.527.135.238.142.249.557.561.887.8
103.4112.1115.3119.2
20.520.920.718.018.316.618.117.116.216.317.013.616.718.017.816.114.8
79.489.7
100.9108.2118.1136.0158.9183.9218.8254.9280.3393.0439.3471.0517.8600.2683.6
79.579.179.382.081.783.481.982.983.883.783.086.483.382.082.283.985.2
99.9113.4127.3131.9144.6163.1194.1222.0261.0304.4337.8454.8527.1574.4629.9715.5802.8
100100100100100100100100100100100100100100100100100
106.3117.3131.8134.9157.3184.2223.3255.1298.7364.8442.7537.1677.0845.1954.8
1080.91376.5
21.619.919.117.117.117.518.117.417.518.118.118.418.919.518.718.320.7
386.2471.3557.0653.3763.9865.9
1008.41212.91409.81647.62005.62374.52900.43480.74144.24828.45283.7
78.480.180.982.982.982.581.982.682.581.981.981.681.180.581.381.779.3
492.5588.6688.8788.2921.2
1050.11231.71468.01708.52012.42448.32911.63577.44325.85099.05909.36660.2
100100100100100100100100100100100100100100100100100
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kZKiv Ask
238
cwiwkó-3 evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb
(wewjqb UvKv)
mviYx 12 t Zdwmwj e¨vsKmg~‡ni wbe©vwPZ cwimsL¨vb
weeiY30 Ryb
2008
30 Ryb
2009
30 Ryb
2010
30 Ryb
2011
30 Ryb
2012
30 Ryb
2013
30 Ryb
2014
30 Ryb
20151 2 3 4 5 6 7 8 9
1| e¨vsK AvgvbZ (AvšÍte¨vsK †jb‡`b ev‡`) (K) Zjwe AvgvbZ (L) †gqvw` AvgvbZ (M) wbqwš¿Z AvgvbZ (N) miKvwi AvgvbZ2| evsjv‡`k e¨vsK n‡Z avi3| wm› y‡K iwÿZ bM` Znwej4| evsjv‡`k e¨vs‡K iwÿZ Rgv (ˆe‡`wkK gy`ªv Rgvmn)5| evsjv‡`‡k Ab¨vb¨ e¨vs‡K iwÿZ Rgv6| Pvwnev gvÎ I ¯^í †gqv‡` †diZ‡hvM¨ A_©7| †gvU wewb‡qvM@
(K) miKv‡ii FYcÎ I †UªRvwi wej* (L) Ab¨vb¨ 8| e¨vsK FY (AvšÍte¨vsK †jb‡`b I ˆe‡`wkK wej ev‡`) (K) evsjv‡`‡k cÖ`Ë AvMvg** (L) Af¨šÍixY μqK…Z Ges evÆvK…Z wejmg~n9| FY/AvgvbZ AbycvZ (we‡klvwqZ e¨vsKmg~n ev‡`)
2786.8302.3
2300.70.7
183.161.034.0
287.774.420.8
480.8442.838.0
2198.42081.3
117.2
0.8
2317.3265.2
1894.80.5
156.866.829.6
167.155.922.3
385.4357.028.4
1926.21791.0135.3
0.8
3368.7416.2
2750.40.3
201.858.543.1
294.294.136.5
552.2487.964.3
2720.62579.9140.7
0.8
4104.8481.1
3374.20.3
249.2178.357.3
384.0104.329.4
754.3639.1115.3
3409.33198.9210.4
0.8
4900.4510.6
4073.80.2
315.7216.664.8
472.4120.257.4
967.3831.7135.5
4056.63818.1238.5
0.8
5729.7557.4
4799.00.8
372.594.478.2
453.4159.453.0
1361.11208.1153.0
4372.04172.9199.0
0.8
6625.7643.4
5589.80.3
392.255.385.8
558.5168.849.9
1698.81493.3205.5
4882.24688.7
193.5
0.7
7463.4723.8
6268.00.4
471.248.2
102.1
568.5159.325.3
1744.31524.2220.1
5533.45333.1200.3
0.7
@ miKvi KZ©…K Bmy¨K…Z wej/eÛmg~n G‡Z AšÍf©y³ Ges Ab¨vb¨ wewb‡qvM (†kqvi/wW‡eÂvi, wifvm© wi‡cv-wewe/wWGgwe, wewe wej BZ¨vw`)|* miKvwi wmwKDwiwUR Ges †UªRvwi wejmg~n e¨q g~‡j¨ †`Lv‡bv n‡q‡Q|** AwMÖgmg~n MÖm wfwˇZ| Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|
239
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 13 t wbe©vwPZ my‡`i nv‡ii* MwZaviv (eQi †k‡l)
1 2 3 4 5 6 7 8 9
A_©eQi08
A_©eQi09
A_©eQi10
A_©eQi11
A_©eQi12
A_©eQi13
A_©eQi14
A_©eQi15
e¨vsK †iU†UªRvwi wej †iU 28-w`b 91-w`b 182-w`b 364-w`bKj gvwb †iU MÖnY cÖ`vbZdwmwj e¨sKmg~‡ni my`nvi AvgvbZ AvMvg
5.0
-6.87.88.3
1.71.7
7.011.9
5.0
737.67.98.5
9.79.7
7.012.3
5.0
-2.23.64.6
6.66.6
6.011.3
5.0
-5.65.56.2
10.910.9
7.312.4
5.0
-5.76.26.2
15.015.0
8.213.8
5.0
-8.4
10.210.4
7.27.2
8.513.7
5.0
-6.97.58.0
6.36.3
7.813.1
5.0 -
5.46.46.8
5.85.8
6.811.7
* fvixZ-Mo, e¨vsK †iU e¨ZxZ|Drm t 1) cwimsL¨vb wefvM, evsjv‡`k e¨vsK| 2) gwbUvwi cwjwm wWcvU©‡g›U, evsjv‡`k e¨vsK|
240
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vbcwiwkó-3
mviYx 14 t e¨vsK e¨e¯’v †_‡K M„nxZ miKv‡ii (wbU) F‡Yi weeiY
μwgK bs †UªRvwi wej/eÛ/ wmwKDwiwU‡Ri bvg D‡Ïk¨vejx30 Ryb 2014m
G w¯’wZ
30 Ryb 2015mv
G w¯’wZ1 2 3 4 5
evsjv‡`k e¨vsK 1.2.3.4.
5.6.7.8.K) L)1.
2.
3.
Dcvq-DcKiY AvMvg IfviWªvd&U IfviWªvdU eøK wWfj&f‡g›U K) †UªRvwi wej L) †UªRvwi eÛ miKv‡ii gy`ªv `vq ¯^vqËkvwmZ I Avav-¯^vqËkvwmZ cÖwZôvbmg~n‡K cÖ`Ë AvMvg cywÄZ my` miKvwi AvgvbZ (-) †gvU t (1 +...+ 8) AvgvbZ MÖnYKvix e¨vsKmg~n (DMBs)
Mfb©‡g›U †UªRvwi wej (1-eQi A‡c¶v Kg) 1) †UªRvwi wej (1-eQi A‡c¶v Kg)evsjv‡`k Mfb©‡g›U †UªRvwi eÛ (BGTB)
1) 2-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ 2) 5-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ 3) 10-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ 4) 15-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ 5) 20-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛAb¨vb¨ we‡kl †UªRvwi eÛ (K+L) K) 1-eQi I Zvi †ewk wKš‘ 5-eQ‡ii Kg †gqv‡`i 1) my`wenxb 3-eQi †gqvw` †d«v‡Rb dzW †UªRvwi eÛ- 2014 2) kZKiv 7.0 fvM my`hy³, 3-eQi, I 4-eQi †gqvw` evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb (wewcwm) †UªRvwi eÛL) 5-eQi I Zvi †ewk †gqv‡`i 1) my`gy³ 6,7 Ges 10-eQi †gqvw` (we‡RGgwm Ges wewUGgwm) †UªRvwi eÛ-2016, 2017 Ges 2020 2) kZKiv 5.0 fvM my`hy³ 25-eQi †gqvw` RyU †UªRvwi eÛ-2018 3) kZKiv 5.0 fvM my`hy³ 25-eQi †gqvw` RyU †UªRvwi eÛ-2019
0.00.0
131.538.3
3.634.78.20.00.8
-41.4137.4
403.5403.5816.158.1
245.0326.8111.574.7
150.94.10.14.0
146.86.8
1.0
0.7
24.40.0
86.91.10.01.18.20.0
0.03-1.4
119.2
305.4305.4924.887.4
265.5352.3128.691.0
143.32.00.02.0
141.36.8
0.8
0.5
miKvwi bM` A_© e„w×miKvwi bM` A_© e„w×
miKvwi bM` A_© e„w×
†d«v‡Rb dzW BÛvw÷ª¸‡jvi FY cwi‡kva evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb
Gi FY cwi‡kva
we‡RGgwm Ges wewUGgwm Gi FY cwi‡kva
cÖvB‡fU e¨vsK KZ…©K cvU Lv‡Zi F‡Yi †jvKmvb GK Z…Zxqvsk cybf©iY
cÖvB‡fU e¨vsK KZ…©K cvU Lv‡Zi F‡Yi†jvKmvb GK Z…Zxqvsk cybf©iY
(wewjqb UvKv)
wewfbœ wewfbœ e¨vs‡Ki, Avw_©K cÖwZôv‡bi Ges wewfbœ †Kv¤úvwbi Kg©Pvix‡`i
wRGd Gi ga¨‡gqvw` Ges `xN©‡gqvw` wewb‡qvM e„w×
241
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
4. 5.
6.
7.
8.
9.
10.
11.
12.
L.
4) kZKiv 5.0 fvM my`hy³ 25-eQi †gqvw`
RyU †UªRvwi eÛ-2020
5) kZKiv 5.0 fvM my`hy³ 7 eQi †_‡K 15 eQi †gqvw`
evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb (wewcwm) †UªRvwi eÛ
6) kZKiv 7.0 fvM my`hy³ 5 eQi I 6 eQi †gqvw`
evsjv‡`k †c‡Uªvwjqvg K‡c©v‡ikb (wewcwm) †UªRvwi eÛ
7) kZKiv 5.0 fvM my`hy³ 5 eQi †_‡K 13 eQi †gqvw`
evsjv‡`k RyU wgj K‡c©v‡ikb (we‡RGgwm) †UªRvwi eÛ
8) kZKiv 7.0 fvM my`hy³ 7 eQi †gqvw` we‡kl
(SPTB) †UªRvwi eÛ-2020
9) kZKiv 7.0 fvM my`hy³ 8 eQi †gqvw` we‡kl
(SPTB) †UªRvwi eÛ-2021
10) kZKiv 7.0 fvM my`hy³ 10 eQi †gqvw` we‡kl
(SPTB) †UªRvwi eÛ-2020
Dc-†gvU (1+2+3) cÖvBReÛ/ BbKvg U¨v· eÛ
miKvwi Ab¨vb¨ wmwKDwiwUR
Lv`¨ gš¿Yvjq‡K cÖ`Ë AvMvg
Ab¨vb¨ gš¿Yvjq‡K cÖ`Ë AvMvg
¯^vqËkvwmZ I Avav-¯^vqËkvwmZ cÖwZôvbmg~n‡K cÖ`Ë AvMvg
cywÄZ my`
miKv‡ii Mw”QZ AvgvbZ1/ (-)
¯^vqËkvwmZ I Avav-¯^vqËkvwmZ cÖwZôvbmg~‡ni Mw”QZ AvgvbZ (-)
†gvU (4+...+12) me©‡gvU K+L
0.2
36.2
21.0
21.5
20.0
20.0
19.4
1370.50.3
0.02
6.1
10.6
10.9
31.7
-148.9
-243.3
1037.91175.2
0.1
31.2
21.0
21.5
20.0
20.0
19.4
1373.50.3
0.03
5.9
11.8
15.7
33.4
-176.2
-295.0
969.41088.6
cÖvB‡fU e¨vsK KZ…©K cvU Lv‡Zi F‡Yi
†jvKmvb GK Z…Zxqvsk cybf©iY
evsjv‡`k †c‡Uªvwjqvg
K‡c©v‡ikb Gi FY cwi‡kva
evsjv‡`k †c‡Uªvwjqvg
K‡c©v‡ikb Gi FY cwi‡kva
we‡RGgwm Gi FY cwi‡kva
miKvwi bM` A_© e„w×
miKvwi bM` A_© e„w×
miKvwi bM` A_© e„w×
†bvU t e‡Ûi DcvËmg~n AwfwnZ g~‡j¨ wnmve Kiv n‡q‡Q| 1/ Ab¨vb¨ Mw”QZ AvgvbZ, mv = mvgwqK, m = ms‡kvwaZ| Drm t K) gwbUvwi mv‡f©, cwimsL¨vb wefvM, evsjv‡`k e¨vsK| 2) †UªRvwi wej I e‡Ûi w¯’wZ, †WU g¨v‡bR‡g›U wWcvU©‡g›U, evsjv‡`k e¨vsK|
mviYx 14 t e¨vsK e¨e¯’v †_‡K M„nxZ miKv‡ii (wbU) F‡Yi weeiY
μwgK bs †UªRvwi wej/eÛ/ wmwKDwiwU‡Ri bvg D‡Ïk¨vejx30 Ryb 2014m
G w¯’wZ
30 Ryb 2015mv
G w¯’wZ1 2 3 4 5
(wewjqb UvKv)
242
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vbcwiwkó-3
mviYx 15 t miKv‡ii e¨vsK ewnf©~Z FY
(wewjqb UvKv)A_©eQi 2013-14m A_©eQi 2014-15mv
μwgK bs cÖK‡íi bvg weμq wbU
weμqcwi‡kva
1 2 3 4 5 6 = (3-4) 7 8 9 10 = (7-8)g~j my` weμq wbU
weμqcwi‡kva
g~j my`
1.2.3.4.5.6.7.8.9.
10.11.12.13.14.15.16.
17.
18.
0.033.70.00.0
83.456.10.0
10.449.311.437.90.00.80.65.40.00.72.7
243.1
0.221.40.0
0.0019.7
29.50.002
12.944.211.233.00.00.70.44.10.20.52.2
126.0
0.210.60.0
0.0124.613.50.08.7
11.30.4
10.90.00.10.17.8
0.050.20.7
77.9
-0.212.30.0
-0.00173.726.6
-0.002-2.55.10.24.90.00.10.21.3
-0.20.20.5
117.2
-0.130.5
-0.004-0.1
140.583.9
-0.0013.1
23.61.1
22.50.00.00.24.2
-0.010.11.2
287.1
0.064.80.00.0
150.7113.2
0.019.665.313.252.10.00.90.78.20.00.42.7
426.5
0.134.3
0.0040.1
10.229.3
0.00116.541.712.129.60.00.90.54.0
0.010.31.5
139.3
0.117.40.0
0.0334.018.30.08.2
10.10.59.60.00.00.19.1
0.0030.20.7
98.2
RvZxq mÂq w¯‹gmg~ncÖwZi¶v mÂqcÎ5-eQi †gqvw` evsjv‡`k mÂqcΆevbvm mÂqcÎ 6-gvm AšÍi gybvdvwfwËK mÂqcÎcwievi mÂqcÎ3-gvm AšÍi gybvdvwfwËK mÂqcÎRvgvbZ mÂqcΆcbkbvi mÂqcÎWvKNi mÂq e¨vsK K) mvaviY wnmve L) †gqvw` wnmve M) †evbvm wnmveWvK Rxeb exgvcÖvBReÛI‡qR Avb©vm© †W‡fjc‡g›U eÛ3-eQi †gqvw` RvZxq wewb‡qvM eÛBDGm Wjvi wcÖwgqvg eÛBDGm Wjvi wewb‡qvM eÛ†gvU (1+...+15)
miKvwi †UªRvwi wejm&/eÛm&K) miKvwi †UªRvwi wejm L) evsjv‡`k Mfb©‡g›U †UªRvwi eÛ (BGTB)
1) 2-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ2) 5-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ3) 10-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ4) 15-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛ5) 20-eQi †gqvw` evsjv‡`k Mfb©‡g›U †UªRvwi eÛmiKv‡ii e¨vsK ewnf©~Z FY (wbU) (16+17)
†bvUt m = ms‡kvwaZ, mv = mvgwqK| Drm t 1) RvZxq mÂq cwi`ßi, †WU g¨v‡bR‡g›U wWcvU©‡g›U, evsjv‡`k e¨vsK|
wbU cwieZ©b
wbU cwieZ©b
w¯’wZ 30 Ryb 2014
w¯’wZ 30 Ryb 2015
176.30.7
175.54.9
50.262.321.536.7
36.40.2
36.14.19.6
10.04.28.2
153.5
235.88.8
226.98.7
58.788.228.642.8
59.58.1
51.43.88.5
25.97.16.1
346.8
mviYx 16 t †jb‡`b fvimvg¨*
1 2 3 4 5 6 7 8
A_©eQi 09
A_©eQi 10
A_©eQi11
A_©eQi12
A_©eQi13
A_©eQi14m
A_©eQi15mvLvZmg~n
evwYwR¨K fvimvg¨ ißvwb GdIwe (Bwc‡RWmn) Gi g‡a¨, ˆZwi †cvkvK (AviGgwR) Avg`vwb GdIwe (Bwc‡RWmn)†mev MÖnY cÖ`vbAvq MÖnY cÖ`vb Gi g‡a¨, Awdwmqvj my` cwi‡kvaPjwZ nšÍvšÍi miKvwi †emiKvwi Gi g‡a¨ t we‡`‡k Kg©iZ evsjv‡`kx‡`i †cÖwiZ A_©PjwZ wnmv‡ei fvimvg¨ g~jabx wnmve g~jab n¯ÍvšÍiAvw_©K wnmve mivmwi ˆe‡`wkK wewb‡qvM (wbU) †cvU©‡dvwjI wewb‡qvM Ab¨vb¨ wewb‡qvM ga¨ I `xN©‡gqvw` FY cÖvwß (mvcøvqvm© †μwWU e¨ZxZ) ga¨ I `xN©‡gqvw` FY cwi‡kva Ab¨vb¨ `xN©‡gqvw` FY (wbU) Ab¨vb¨ ¯^í‡gqvw` FY (wbU) Ab¨vb¨ g~jab evwYR¨ FY (wbU) evwYwR¨K e¨vsK m¤ú` `vqåvwšÍ I ev`mg~nmvwe©K †jb‡`b fvimvg¨ wiRvf© evsjv‡`k e¨vsK m¤ú` `vq
-9935225921791432527-261225735185
-1454124
1578345
12315103
1221211513-1686
642642651775109
-2331032739-101531
-661-135-160452292
-263-656656656
-481175
-4710155811234820291-161618323448-1484
951579238
1022672
1015496892416451451
-825961
-159-16271204641-70
-169-650
-1277-2412910516
2058-2058-20581883-175
-5155162331249721388-123324783711
-148452
1536215
11596127
11469109873724
512512
-651913
-117-14471589687-151
62-902
-1043-31541095
-7202865
-2865-28653616751
-9320239891909033309-300126945695
-1549193
1742373
13423106
1331712734
-447482482
14361191240
5153978979
242---
-111852
443495
-977494
-494-494293
-201
-7009265672151633576-316228305992
-2369120
2489476
1492897
14831143382388
629629
27701726368676
2085906
-150-193
----250
90396486
-6595128
-5128-51285196
68
-6794297772449236571-409931157214
-2635131
2766427
1493483
14851141161406598598
28551474937444
24041018477
-838---
-340-241898657624
5483-5483-54835933450
-9917307682549140685-462830177645
-299574
3069404
1589474
1582015170-1645
483483
53081830618
28602472910-33
-161---
69080286
888228
4373-4373-43734249-124
Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|*e¨v‡jÝ Ae †c‡g›U g¨vbyqvj 6 Abyhvqx †kÖwYweb¨vm Kiv n‡q‡Q|†bvU t A_©eQi 11 Ges ZrcieZx© mgqKv‡j Avg`vwb (GdIwe) DcvË Kv÷gm& Gi †iKW© Abyhvqx AšÍfz©³ Kiv n‡q‡Q| A_©eQi 10 Ges Gi c~‡e© mgqKv‡j Avg`vwb (GdIwe) Dcv‡Ë e¨vswKs P¨v‡b‡ji WvUv e¨envi Kiv n‡q‡Q|m = ms‡kvwaZ| mv = mvgwqK|--- = AvBGg Gi mycvwik †gvZv‡eK A_©eQi 12 Ges ZrcieZx© Ab¨vb¨ m¤ú‡`i wnmve eÜ Kiv n‡q‡Q|
(wgwjqb gvwK©b Wjvi)
243
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
244
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vbcwiwkó-3
mviYx 17 t cÖKviwfwËK cY¨ ißvwb
K. wngvwqZ Lv`¨ 1| gvQ 2| wPswo 3| Ab¨vb¨L. K…wlRvZ cY¨mg~n 1| kvKmewR 2| ZvgvK 3| KvU d¬vIqvi 4| djg~j 5| Ab¨vb¨M. g¨vbyd¨vKPvivW wkímg~n 1| †c‡UªvwjqvgRvZ `ªe¨ 2| ivmvqwbK `ªe¨ 3| cøvw÷K mvgMÖx 4| Pvgov 5| Zzjv I ZzjvRvZ mvgMÖx 6| KuvPv cvU 7| cvURvZ `ªe¨mvgMÖx 8| we‡klvwqZ †U·UvBj 9| wbUIq¨vi cY¨ 10| I‡fb †cvkvK cwi”Q` 11| †nvg †U·UvBj 12| Ab¨vb¨ cv`yKv 13| BwÄwbqvwis `ªe¨ 14| Ab¨vb¨†gvU ißvwb (K+L+M) Gi g‡a¨, Bwc‡RW
m = ms‡kvwaZ, mv = mvgwqK|Drm t ißvwb Dbœqb ey¨‡iv|
1 2 3 4 5 6 7 8 9
A_©eQi08
A_©eQi09
A_©eQi10
A_©eQi11
A_©eQi12
A_©eQi13
A_©eQi14m
A_©eQi15mvLvZmg~n
445.289.1
348.37.8
242.446.852.339.817.486.1
15517.1301.2102.950.6
226.195.2
196.3591.7186.0
6483.36013.4539.3204.1311.1215.9
16204.72150.5
534.188.7
445.40.0
176.160.522.456.0
---37.2
13400.6185.1215.8
---284.4
---165.1318.3179.5
5532.55167.3
291.4169.6219.7671.9
14110.81729.5
454.5101.4353.1
0.0267.444.740.532.56.0
143.714843.3
142.0237.137.4
178.255.2
148.2324.9208.9
6427.35918.5313.5186.9181.3483.9
15565.21900.3
625.0133.5477.8
13.7333.9
71.770.942.937.7
110.721969.3
260.7104.868.8
297.8135.0357.3757.7164.6
9482.18432.4788.8297.8309.6512.0
22928.22800.9
598.4108.1471.718.6
402.777.468.750.557.2
148.923300.8
275.4103.088.7
330.2113.0266.3701.1138.8
9486.49603.3
906.1335.5375.5577.5
24301.93425.5
543.858.0
454.930.9
535.7110.360.241.471.9
251.925947.8
314.093.084.5
399.7125.0229.9800.7124.5
10475.911039.9
791.5419.3367.5676.7
27027.43828.8
568.149.1
509.79.3
586.1103.268.511.438.5
364.530054.7
77.6111.9100.6397.5107.0111.6757.0107.0
12426.813064.6
804.3189.5447.0
1352.331208.94957.8
638.252.5
550.135.6
615.1147.658.739.361.8
307.725923.3
162.393.285.7
505.5115.6126.4698.1108.8
12049.812442.1
792.5171.6366.6
1215.130186.64480.3
(wgwjqb gvwK©b Wjvi)
245
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 18 t cÖKviwfwËK cY¨ Avg`vwb
K. Lv`¨km¨ 1) Pvj 2) MgL. Ab¨vb¨ cY¨ 1| `ya Ges `yaRvZ `ªe¨ 2| gmjv 3| †ZjexR 4| †fvR¨ †Zj 5| Wvj (me ai‡bi) 6| wPwb 7| wK¬sKvi 8| Acwi‡kvwaZ †c‡Uªvwjqvg 9| †c‡UªvwjqvgRvZ `ªe¨ 10| ivmvqwbK `ªe¨ 11| Jla mvgMÖx 12| mvi 13| WvBs I U¨vwbs cÖwμqvRvZKiY mvgMÖx 14| cøvw÷K I ivevi Ges Zš‘RvZ mvgMÖx 15| KuvPv Zzjv 16| myZv 17| †U·UvBj Ges Zš‘RvZ mvgMÖx 18| ÷¨vcj dvBevi 19| †jŠn, B¯úvZ Ges Ab¨vb¨ avZz 20| g~jabx hš¿cvwZ 21| Ab¨vb¨M. Bwc‡RW-Gi Avg`vwb †gvU Avg`vwb (wmAvBGd) †gvU Avg`vwb (GdIwe)
m = ms‡kvwaZ, mv = mvgwqK|Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK KZ…©K m¤úvw`Z (RvZxq ivR¯^ ‡evW© Gi e¨eüZ Z_¨)|
1 2 3 4 5 6
A_©eQi11
A_©eQi12
A_©eQi13
A_©eQi14m
A_©eQi15mvLvZmg~n
576.615.7
560.936713.2
230.178.8
358.03016.9485.9779.5569.360.7
3005.51411.6197.5
1265.2445.3
1577.32255.41675.45071.1877.9
2865.22250.08236.6
37289.833576.02444.7
2058.2867.5
1190.734034.2
216.6101.096.2
2598.3234.4723.0530.6289.3
2445.51225.7199.9
1530.7351.0
1359.92589.32065.33942.7700.2
2184.73085.07564.9
36092.432527.0
1985.1
822.0226.8595.2
36162.8224.187.5
258.63526.8275.7
1349.1532.0304.0
2972.91334.8185.0
1370.0378.1
1508.81966.21495.54382.3779.4
2586.42394.38251.3
36984.833309.0
2115.7
906.2102.8803.4
39710.2280.3107.0453.6
2946.3318.6852.2633.272.3
3371.51577.5210.8940.9543.1
1822.22464.31816.95360.51010.12899.42819.19210.4
40616.436571.03077.0
1490.7508.1982.6
43699.5277.2182.4374.0
2743.5434.3788.7638.4316.0
4742.51723.7136.9
1338.9599.0
2052.32295.51851.25742.01078.03265.03320.59799.5
45190.240685.0
3138.1
(wgwjqb gvwK©b Wjvi)
246
cwiwkó-3 evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb
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A_©eQi 14-Gi Zzjbvq A_©eQi 15-G cwieZ©‡bi kZKiv nvi
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Ryb †k‡lGjwmÕiw¯’wZ
bZzb Gjwm†Lvjv
Gjwmwb®úwË
Ryb †k‡lGjwmÕiw¯’wZ
4597.8(11.0)
1317.13280.73054.4
(7.3)15548.3
(37.3)3878.2
(9.3)4609.2(11.0)
5023.6
(12.0)5107.1(12.2)
41818.66237.7
4586.6(12.3)
1409.83176.82836.3
(7.6)14724.6
(40.9)2518.3
(6.8)3522.4
(9.5)4577.4
(12.3)4423.3(11.9)
37188.96152.1
1614.5(7.6)
242.01372.51302.3
(6.1)7260.0(36.8)4184.6(19.7)
2603.3(12.3)
1489.1
(7.0)2781.4(13.1)
21235.13032.2
5168.1(12.0)
1736.93431.13690.0
(8.6)16144.6
(37.3)4354.8(10.1)
4057.2(9.4)
3372.8
(7.8)6281.3(14.6)
43068.86830.8
4749.6(12.4)
1498.03251.63354.3
(8.7)15181.3
(39.8)3096.8
(8.1)3772.0
(9.8)3462.4
(9.0)4838.8(12.6)
38455.06201.8
1712.2(7.7)
373.41338.71472.5
(6.6)7017.8(35.1)
5131.7(23.1)
2069.1(9.3)
1111.0
(5.0)3679.0(16.6)
22193.33026.1
12.4
31.94.6
20.8
3.8
12.3
-12.0
-32.9
23.0
3.09.5
3.6
6.32.4
18.3
3.1
23.0
7.1
-24.4
9.4
3.40.8
6.1
54.3-2.513.1
-3.3
22.6
-20.5
-25.4
32.3
4.5-0.2
1 2 3 4 5 6 7 8 9 10
Drm t d‡ib G·‡PÄ Acv‡ikb wWcvU©‡g›U, evsjv‡`k e¨vsK|
247
mviYx 20 t ˆe‡`wkK gy`ªvi wiRvf©
A_©eQi(Ryb †k‡l)
1 2 3
†gvU wiRvf©wgwjqb UvKv wgwjqb gvwK©b Wjvi
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
80,266
73,650
81,466
73,831
90,858
141,753
163,241
186,769
242,914
349,314
421,377
515,945
747,121
809,996
848,071
1190,896
1669,665
1946,601
1,739
1,523
1,602
1,307
1,583
2,470
2,705
2,930
3,484
5,077
6,149
7,471
10,750
10,912
10,364
15,315
21,508
25,021
Drm t A¨vKvD›Um& GÛ ev‡RwUs wWcvU©‡g›U, evsjv‡`k e¨vsK|
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
248
cwiwkó-3 evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb
mviYx 21 t UvKv-gvwK©b Wjvi wewbgq nvi
A_©eQi 1
cÖwZ gvwK©b Wjv‡i UvKv (evwl©K Mo)2
A_©eQi 98
A_©eQi 99
A_©eQi 00
A_©eQi 01
A_©eQi 02
A_©eQi 03
A_©eQi 04
A_©eQi 05
A_©eQi 06
A_©eQi 07
A_©eQi 08
A_©eQi 09
A_©eQi 10
A_©eQi 11
A_©eQi 12
A_©eQi 13
A_©eQi 14
A_©eQi 15
45.46
48.06
50.31
53.96
57.43
57.90
58.94
61.39
67.08
69.03
68.60
68.80
69.18
71.17
79.10
79.93
77.72
77.68
Drm t cwimsL¨vb wefvM, evsjv‡`k e¨vsK|
249
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 22 t †`kwfwËK cÖevmx‡`i †cÖwiZ A_©
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2859.09
1754.92
789.65
970.75
1575.22
186.90
343.36
290.06
165.13
19.32
157.43
14.12
282.22
281.09
9689.26
3427.05
1890.31
827.51
1019.18
1451.89
182.19
360.91
349.08
193.46
16.50
170.14
14.74
587.09
497.35
10987.40
3290.03
2002.63
889.60
1075.75
1848.51
215.58
319.36
334.31
202.33
25.64
185.93
15.21
703.73
541.71
11650.32
3684.36
2404.78
987.46
1190.14
1498.46
244.75
335.26
400.93
311.46
34.99
298.46
22.16
847.49
582.72
12843.42
3829.45
2829.40
991.59
1186.93
1859.76
233.23
286.89
610.11
498.79
25.81
361.70
21.18
997.43
728.87
14461.14
3118.88
2684.86
901.23
1106.88
2323.32
269.59
257.53
701.08
429.11
26.94
459.39
17.06
1064.68
867.76
14228.31
3345.23
2823.77
812.34
1077.78
2380.19
260.16
310.15
915.26
443.44
21.16
554.34
16.30
1381.53
975.27
15316.92
†`kmg~n A_©eQi09
A_©eQi10
A_©eQi11
A_©eQi12
A_©eQi13
A_©eQi14
A_©eQi15
1 2 3 4 5 6 7 8
Drm t ˆe‡`wkK gy`ªv bxwZ wefvM, evsjv‡`k e¨vsK|
mviYx 23 t Zdwmwj e¨vsKmg~‡ni ZvwjKv( 30 Ryb 2015)
ivóª gvwjKvbvaxb/ivóª wbqwš¿Z e¨vsKmg~n (6+2=8)
ivóª gvwjKvbvaxb evwYwR¨K e¨vsKmg~n (6) †mvbvjx e¨vsK wjwg‡UW RbZv e¨vsK wjwg‡UW AMÖYx e¨vsK wjwg‡UW iƒcvjx e¨vsK wjwg‡UW* evsjv‡`k ¯§j BÛvw÷ªR GÛ Kgvm© e¨vsK wjwg‡UW evsjv‡`k †W‡fjc‡g›U e¨vsK wjwg‡UW
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250
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251
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 23 t Zdwmwj e¨vsKmg~‡ni ZvwjKv( 30 Ryb 2015)
Iqvb e¨vsK wjwg‡UW cÖvBg e¨vsK wjwg‡UW c~evjx e¨vsK wjwg‡UW kvnRvjvj Bmjvgx e¨vsK wjwg‡UW †mvm¨vj Bmjvgx e¨vsK wjwg‡UW mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjwg‡UW mvD_B÷ e¨vsK wjwg‡UW ÷¨vÛvW© e¨vsK wjwg‡UW w` wmwU e¨vsK wjwg‡UW w` wcÖwgqvi e¨vsK wjwg‡UW w` dvigvm© e¨vsK wjwg‡UW Uªv÷ e¨vsK wjwg‡UW BDbvB‡UW Kgvwk©qvj e¨vsK wjwg‡UW DËiv e¨vsK wjwg‡UW BDwbqb e¨vsK wjwg‡UW
we‡`wk evwYwR¨K e¨vsKmg~n (9) e¨vsK Avjdvjvn wjwg‡UW wmwU e¨vsK Gb.G. Kgvwk©qvj e¨vsK Ae wm‡jvb wcGjwm nvwee e¨vsK wjwg‡UW b¨vkbvj e¨vsK Ae cvwK¯Ívb ÷¨vÛvW© PvU©vW© e¨vsK †÷U e¨vsK Ae BwÛqv w` nsKs GÛ mvsnvB e¨vswKs K‡c©v‡ikb wjwg‡UW Dwi e¨vsK
252
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vbcwiwkó-3
mviYx 24 t Avw_©K cÖwZôvbmg~‡ni ZvwjKv*( 30 Ryb 2015)
AMÖYx GmGgB dvBb¨vwÝs †Kv¤úvbx wjwg‡UW
evsjv‡`k dvBb¨vÝ GÛ Bb‡f÷‡g›U †Kv¤úvbx wjwg‡UW (weGdAvBwm)
evsjv‡`k BÛvw÷ªqvj dvBb¨vÝ †Kv¤úvbx wjwg‡UW (weAvBGdwm)
evsjv‡`k Bbd«v÷ªvKPvi dvBb¨vÝ dvÛ wjwg‡UW (weAvBGdGdGj)
†e jxwRs GÛ Bb‡f÷‡g›U wjwg‡UW
†Wëv eª¨vK nvDwRs dvBb¨vÝ K‡c©v‡ikb wjwg‡UW (wWweGBP)
dviB÷ dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW
GdGGm dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW
dv÷© dvBb¨vÝ wjwg‡UW
wRGmwc dvBb¨vÝ †Kv¤úvbx (evsjv‡`k) wjwg‡UW
nR¡ dvBb¨vÝ †Kv¤úvbx wjwg‡UW
BÛvw÷ªqvj †W‡fjc‡g›U jxwRs †Kv¤úvbx Ae evsjv‡`k wjwg‡UW
BÛvw÷ªqvj GÛ Bbd«v÷ªvKPvi †W‡fjc‡g›U dvBb¨vÝ †Kv¤úvbx wjwg‡UW
BÛvw÷ªqvj cÖ‡gvkb GÛ †W‡fjc‡g›U †Kv¤úvbx Ae evsjv‡`k wjwg‡UW
Bbd«v÷ªvKPvi †W‡fjc‡g›U †Kv¤úvbx wjwg‡UW
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BmjvwgK dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW
jsKvevsjv dvBb¨vÝ wjwg‡UW
†gwiwWqvb dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW**
gvBWvm dvBb¨vwÝs wjwg‡UW
b¨vkbvj dvBb¨vÝ wjwg‡UW
b¨vkbvj nvDwRs dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW
wccjm& jxwRs GÛ dvBb¨vwÝqvj mvwf©‡mm wjwg‡UW
wdwb· dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW
wcÖwgqvi wjwRs GÛ dvBb¨vÝ wjwg‡UW
cÖvBg dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW
wijv‡qÝ dvBb¨vÝ wjwg‡UW
†mŠw` evsjv‡`k BÛvw÷ªqvj GÛ GwMÖKvjPvivj Bb‡f÷‡g›U †Kv¤úvbx wjwg‡UW
w` BDGB-evsjv‡`k Bb‡f÷‡g›U †Kv¤úvbx wjwg‡UW
BDwbqb K¨vwcUvj wjwg‡UW
BDbvB‡UW dvBb¨vÝ wjwg‡UW
DËiv dvBb¨vÝ GÛ Bb‡f÷‡g›U wjwg‡UW
* Avw_©K cÖwZôvb AvBb, 1993 Gi AvIZvq evsjv‡`k e¨vsK KZ…©K jvB‡mÝK…Z|** jvB‡mÝcÖvß Avw_©K cÖwZôvb| wKš‘ GL‡bv Kvh©μg ïiæ nqwb|
253
evsjv‡`k t wKQz wbe©vwPZ cwimsL¨vb cwiwkó-3
mviYx 25 t ¸iæZ¡c~Y© cÖKvkbvmg~n
evwl©K 1. evwl©K wi‡cvU© 2. ißvwb Avq 3. Avg`vwb e¨q 4. e¨v‡jÝ Ae †c‡g›Um&
Aa© evwl©K 1. dvBb¨vwÝqvj †m±i wiwfD 2. gwbUvwi cwjwm wiwfD 3. d‡ib wW‡i± Bb‡f÷‡g›U Bb evsjv‡`k 4. gvwbUvwi cwjwm †÷U‡g›U (GgwcGm) 5. dvBb¨vwÝqvj ÷¨vwewjwU wi‡cvU©
ˆÎgvwmK 1. ˆÎgvwmK Zdwmwj e¨vsK ÷vwUmwUKm& 2. evsjv‡`k e¨vsK †KvqvU©vwj©
gvwmK 1. B‡Kv‡bvwgK †UªÛm 2. evsjv‡`k e¨vsK cwiμgv
cwiwkó-4e¨vswKs Lv‡Zi Kvh©`ÿZvi wb‡`©wkKvmg~n
255
257
cwiwkó-4
mviYx 1 t e¨vsK e¨e¯’vi KvVv‡gv
e¨vs‡Kiaib e¨vs‡Ki
msL¨vkvLvimsL¨v
†gvUm¤ú`
e¨vswKs Lv‡Zi †gvUm¤ú‡`i kZKiv nvi
†gvUAvgvbZ
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2015 (Ryb)
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
6
2
39
9
56
3669
1405
3982
75
9131
2755.7
289.4
6130.5
518.2
9693.8
28.4
2.9
63.3
5.4
100
2105.4
226.1
4743.5
331.5
7406.5
28.4
3.1
64.1
4.4
100
(wewjqb UvKv)
mviYx 2 t e¨vs‡Ki cÖK…wZ‡f‡` g~jab I SzuwK fvixZ m¤ú‡`i AbycvZ(kZKiv)
e¨vs‡Ki aib
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
2014
8.3
-17.3
12.5
22.6
11.3
2007
7.9
-5.5
10.6
22.7
9.6
2008
6.9
-5.3
11.4
24.0
10.1
2009
9.0
0.4
12.1
28.1
11.6
2010
8.9
-7.3
10.1
15.6
9.3
2011
11.7
-4.5
11.5
21.0
11.4
2012
8.1
-7.8
11.4
20.6
10.5
2013
10.8
-9.7
12.6
20.2
11.5
4.9
-18.1
11.8
24.1
10.3
2015Ryb
mviYx 3 t e¨vs‡Ki †kÖwY‡f‡` †kÖwYK…Z FY I †gvU F‡Yi AbycvZ(kZKiv)
e¨vs‡Ki aib
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
2014
22.2
32.8
4.9
7.3
10.0
2007
29.9
28.6
5.0
1.4
13.2
2008
25.4
25.5
4.4
1.9
10.8
2009
21.4
25.9
3.9
2.3
9.2
2010
15.7
24.2
3.2
3.0
7.3
2011
11.3
24.6
2.9
3.0
6.1
2012
23.9
26.8
4.6
3.5
10.0
2013
19.8
26.8
4.5
5.5
8.9
2015Ryb
21.9
25.5
5.7
8.2
9.7
258
e¨vswKs Lv‡Zi Kvh©`ÿZvi wb‡`©wkKvmg~ncwiwkó-4
mviYx 4 t e¨vs‡Ki †kÖwY‡f‡` wbU †kÖwYK…Z FY I †gvU F‡Yi AbycvZ(kZKiv)
e¨vs‡Ki aibGmwmwe
we‡klvwqZ†emiKvwiwe‡`wk†gvU
20146.1
25.50.8
-0.92.7
200712.919.01.4
-1.95.1
20085.9
17.00.9
-2.02.8
20091.9
18.30.5
-2.31.7
20101.9
16.00.0
-1.71.3
2011-0.317.00.2
-1.80.7
201212.820.40.9
-0.94.4
20131.7
19.70.6
-0.42.0
20159.49.21.1
-0.42.8
mviYx 5 t e¨vs‡Ki †kÖwY‡f‡` †kÖwYweb¨vwmZ F‡Yi cwigvY(wewjqb UvKv)
e¨vs‡Ki aibGmwmwe
we‡klvwqZ†emiKvwiwe‡`wk†gvU
2014227.672.6
184.317.1
501.6
2007137.937.249.2
1.9226.2
2008127.637.357.0
2.9224.8
2009117.542.161.73.5
224.8
2010107.649.764.35.5
227.1
201191.756.572.06.3
226.5
2013166.183.6
143.113.0
405.8
2012215.273.3
130.48.5
427.3
2015224.058.3
223.519.4
525.2
mviYx 7 t cÖwfkb ch©vßZvi Zzjbvg~jK wPÎ(wewjqb UvKv)
cÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb msiÿ‡Yi nvi (%)cÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb msiÿ‡Yi nvi (%)cÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb msiÿ‡Yi nvi (%)cÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbcÖwfkb msiÿ‡Yi nvi (%)
119.281.968.7
107.8122.3113.5128.6135.3105.2126.296.776.6
29.813.645.738.317.445.537.114.739.631.231.2100
84.484.9
100.694.897.8
103.2108.7115.4106.2126.5130.6103.2
8.99.3
104.311.612.3
106.015.316.2
105.916.217.2
106.2
welq Gmwmwe we‡klvwqZ †emiKvwi we‡`wkeQi
2012
2013
2014
2015Ryb
mviYx 6 t cÖ‡qvRbxq I msiwÿZ cÖwfkb - mKj e¨vsK(wewjqb UvKv)
mKj e¨vsK†kÖwYK…Z F‡Yi cwigvYcÖ‡qvRbxq cÖwfkbmsiwÿZ cÖwfkbDØ„Ë (+)/NvUwZ (-)cÖwfkb msiÿ‡Yi nvi (%)
2014501.5289.6281.7
-7.997.2
2007226.2127.297.1
-30.176.3
2008224.8136.1126.2
-9.992.7
2009224.8134.8137.9
3.1102.3
2010227.1149.2142.3
-6.995.4
2011226.4148.2152.7
4.6103.04
2013405.8252.4249.8
-2.699.0
2012427.3242.4189.8-52.678.3
525.2300.4275.6-24.891.7
2015
259
e¨vswKs Lv‡Zi Kvh©`ÿZvi wb‡`©wkKvmg~n cwiwkó-4
mviYx 8 t e¨vs‡Ki †kÖwY‡f‡` Ae‡jvcbK…Z F‡Yi cwigvY(wewjqb UvKv)
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
42.8
30.4
45.5
1.6
120.3
48.4
31.0
49.4
1.7
130.5
30 Ryb 07
64.5
31.8
54.7
2.0
153.0
30 Ryb 08
70.5
31.8
69.6
2.1
174.0
30 Ryb 09
82.4
32.0
77.1
2.4
193.9
30 Ryb 10
107.2
32.6
109.7
3.7
253.3
30 Ryb 12
30 Ryb 13
210.3
5.6
155.5
5.1
376.5
154.8
34.2
127.7
4.4
321.1
30 Ryb 15
30 Ryb 14
72.9
24.5
64.9
2.6
164.9
30 Ryb 11
e¨vs‡Kiaib
mviYx 9 t e¨vs‡Ki †kÖwY‡f‡` e¨q-Avq AbycvZ(kZKiv)
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
2007
100.0
107.7
88.8
72.9
90.4
2008
89.6
103.7
88.4
75.8
87.9
2009
75.6
112.1
72.6
59.0
72.6
2010
80.7
87.8
67.6
64.7
70.8
2011
62.7
88.6
71.7
47.3
68.6
2013
84.1
94.8
77.9
50.4
77.8
2014
84.1
99.5
75.8
46.8
76.1
2012
73.2
91.2
76.0
49.6
74.0
e¨vs‡Ki aib
85.9
120.4
75.5
49.6
78.3
2015
mviYx 10 t e¨vs‡Ki †kÖwY‡f‡` gybvdv AR©‡bi nvi
(kZKiv)
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
e¨vs‡Kiaib
m¤ú‡`i Avq nvi (ROA) BKz¨BwUi Avq nvi (ROE)
2014
-0.6
-0.7
1.0
3.4
0.6
2007
0.0
-0.3
1.3
3.1
0.9
2008
0.7
-0.6
1.4
2.9
1.2
2009
1.0
0.4
1.6
3.2
1.4
2010
1.1
0.2
2.1
2.9
1.8
2011
1.3
0.1
1.6
3.2
1.5
2013
0.6
-0.4
1.0
3.0
0.9
2012
-0.6
0.1
0.9
3.3
0.6
-0.6
-1.5
0.9
3.1
0.5
2015Ryb 2014
-13.6
-5.97
10.3
17.7
8.1
2007
0.0
-3.4
16.7
20.4
13.8
2008
22.5
-6.9
16.4
17.8
15.6
2009
26.2
-171.7
21.0
22.4
21.7
2010
18.4
-3.2
20.9
17.0
21.0
2011
19.7
-0.9
15.7
16.6
17.0
2013
10.9
5.8
9.8
16.9
11.0
2012
-11.9
-1.1
10.2
17.3
8.2
-22.5
-8.2
9.7
15.7
6.6
2015Ryb
260
e¨vswKs Lv‡Zi Kvh©`ÿZvi wb‡`©wkKvmg~ncwiwkó-4
mviYx 12 t e¨vs‡Ki †kÖwY‡f‡` Zvi‡j¨i nvi(kZKiv)
Gmwmwe
we‡klvwqZ
†emiKvwi
we‡`wk
†gvU
e¨vs‡Kiaib
Zij m¤ú` AwZwi³ Zvij¨
2014
42.0
6.6
28.2
56.9
32.7
2007
24.9
14.2
22.2
29.2
23.2
2008
32.9
13.7
20.7
31.3
24.8
2009
25.1
9.6
18.2
31.8
20.6
2010
27.2
21.3
21.5
32.1
23.0
2011
31.3
6.9
23.5
34.1
25.4
2013
44.3
15.3
28.0
46.2
32.5
2012
29.2
11.5
26.3
37.5
27.1
39.3
0.0
20.8
51.1
26.8
2015Ryb 2014
23.9
6.6
11.0
37.6
15.7
2007
6.9
5.6
6.4
11.2
6.9
2008
14.9
4.9
4.7
13.3
8.4
2009
17.6
7.1
5.3
21.8
9.0
2010
8.2
2.3
4.6
13.2
6.0
2011
12.3
1.3
6.6
15.3
8.4
2013
25.3
4.2
11.3
27.4
15.4
2012
10.2
1.4
9.5
18.7
9.9
26.4
0.0
11.9
38.9
16.9
2015Ryb
mviYx 11 t e¨vs‡Ki †kÖwY‡f‡` wbU my` Avq (wewjqb UvKv)
e¨vs‡Ki aibGmwmwe
we‡klvwqZ†emiKvwiwe‡`wk†gvU
19.41.9
105.014.1
140.3
2015201439.7
2.1205.8
26.6274.2
20077.41.4
36.19.9
54.8
20087.91.9
48.512.670.9
200912.11.9
56.710.781.5
201019.86.2
82.813.0
121.9
201134.34.9
91.416.1
146.7
201214.94.7
114.719.6
153.8
2013-5.43.8
118.215.8
132.3
mviYx 13 t e¨vsK e¨e¯’vq kvLv, AvgvbZ Ges AwMÖg - MÖvg I kni (wewjqb UvKv)
eQi2000200120022003200420052006200720082009201020112012201320142015**
MÖvg3659368036933694372437643834389439814136439345514760496251505187
kni2460250225382526257926382728282329053051326534103562372338903944
kvLv msL¨v*
* wW‡m¤^i †k‡l| **Ryb †k‡l|
†gvU6119618262316220630364026562671768867187765879618322868590409131
MÖvg160.6160.2177.6190.8192.0218.3241.5263.0306.2369.9436.9536.0853.11117.11326.01452.0
kni549.2656.3753.2883.31023.81197.61445.81689.12009.82424.02942.33579.94011.04988.25605.26004.0
AvgvbZ**†gvU
709.8816.5930.81074.11215.81415.91687.31952.12316.02793.93379.24115.94864.16105.36931.17456.0
MÖvg100.197.2100.0102.5103.4117.6128.4130.1148.5169.6206.9254.5405.6450.6505.1536.2
kni493.5590.6667.7744.8847.9999.71163.31335.61667.01920.92367.52958.33453.73987.84571.24825.2
AwMÖg** †gvU
593.6687.8767.7847.3951.31117.31291.71465.71815.52090.52574.43212.83859.34438.45076.35361.4
Gd. Gg. †gvKv‡¤§j nK, gnve¨e¯’vcK, wWcvU©‡g›U Ae KwgDwb‡KkÝ GÛ cvewj‡KkÝ evsjv‡`k e¨vsK, cÖavb Kvh©vjq, gwZwSj, XvKv-1000, evsjv‡`k KZ…©K cÖKvwkZ| B-†gBj : [email protected], †mªvZ G¨vWfvU©vBwRs 241/1, gMevRvi, XvKv-1217 †_‡K gyw`ªZ|
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