NAFSCOB Annual Report 2017-18

NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.
NAFSCOB
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ANNUAL REPORT
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55TH ANNUAL REPORT
J. K. Chambers, Fifth Floor,
Plot No. 76, Sector - 17, VASHI,
Navi Mumbai - 400 703
Tel. : (91) 22-2789 2741, 2789 2697,
2789 2738,
Fax : (91) 22-2789 2604
Service Tax Regn. No. AAAAN0007BSD001
NAFSCOB/A-9(xxix/2018-19/142 Date: 15-06-2018
The Members of the General Body of NAFSCOB
NOTICE
Notice is hereby given that the Fifty Fifth Annual General Meeting of the National Federation of State Cooperative
Banks Ltd. (NAFSCOB), Navi Mumbai will be held at 12.30 p.m. on Friday the 20th July 2018 in Ruby I Hall of Hotel
Kohinoor Continental, Andheri - Kurla Road, J.B. Nagar, Andheri (East), Mumbai - 400 059 (Tel. No.: 022-66919000)
to transact the following business:
1. To confirm the Proceedings of the 54th Annual General Meeting of NAFSCOB held on 10 August 2017 at Chennai,
Tamil Nadu.
2. To consider and approve the Auditors’ Report and Auditors’ Statement of Accounts of NAFSCOB for the year
2017-2018 and also the Compliance on the Observations made by the Auditors.
3. To consider and adopt the Fifty Fifth Annual Report of NAFSCOB for the year 2017-2018
4. To review the work of NAFSCOB and to formulate the programme of activities for the year 2018-2019 / long-term
perspective plan and the annual operational plan.
5. To consider and approve the Annual Budget of Income and Expenditure for the year 2018-2019.
6. To appoint Auditors for the Statutory Audit of Accounts of NAFSCOB for the year 2018-2019 and fix their
remuneration.
7. To consider the proposal to write off of old dues payable by member banks to NAFSCOB towards Annual
Subscription and other dues under AIMAS.
8. To peruse the list of the employees who are relatives of members of the Board or of the Chief Executive.
9. Any other item with the permission of the Chair.
10. To conduct election for the vacant position of Directors on the Board of NAFSCOB.
In case there is no quorum till 1300 hours, the meeting will stand adjourned and the adjourned meeting will be held at 1330
hours to transact the business on the agenda of the original General Body Meeting Notice at the same place and on the
same day whether there is a quorum or not.
By Order of the Board/Chairman
(B. SUBRAHMANYAM)
Managing Director
NAFSCOB
MEMBERS OF THE GENERAL BODY OF NAFSCOB
As on 31-03-2018
Sl.
Name of General Body Members Name of the SCB
No.
1. Shri Dileep Sanghani Chairman, NAFSCOB
Ex.MP/Ex.Minister, Gujarat Director
Gujarat State Cooperative Bank Ltd.
Sardar Vallabhbhai Patel Sahakar Bhavan
Nr. Shastrinagar BRTS Bus Stand, Naranpura
Ahmedabad – 380 013.
2. Shri Bhagat Singh Chairman

Andaman & Nicobar State Cooperative Bank Ltd.
98 Maulana Azad Road, Port Blair - 744 101.
3. Shri P. Venkateswara Rao, Ex.MLA, President

Ex.Minister, Andhra Pradesh Andhra Pradesh State Cooperative Bank Ltd.
3-4-447/448, Sahakar Bhavan, Opp. YMCA, Barkatpura
Hyderabad - 500 027
4.
Arunachal Pradesh State Cooperative Apex Bank Ltd.

P.O. & T. Naharlagun, ‘D’ Sector
Near Gen. Hospital, Naharlagun - 791 110
5. Shri Gautam Bora, Ex. MLA, Director

Ex. Minister, Assam Assam Cooperative Apex Bank Ltd.
Apex Bank Building, Hem Barua Path, Pan Bazar
Guwahati - 781 001
6. Shri Ramesh Chandra Chaubey Chairman

Till 19-03-2018 Bihar State Cooperative Bank Ltd.
Ashok Rajpath, Patna 800 004
7.
Chandigarh State Cooperative Bank Ltd.

S.C.O. 1088-89, Sector 22 B,
Chandigarh - 160 022.
8. Shri Ashok Bajaj Chairman

Chhattisgarh Rajya Sahakari Bank Maryadit
H.O. Raipur, Indira Gandhi Commercial Compound,
P.O. Pandari, Raipur - 492 001.
9. Dr. Bijender Singh, Ex.MLA President

Delhi State Cooperative Bank Ltd.
31 Netaji Subhash Marg, Daryaganj
New Delhi - 110 002
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55TH ANNUAL REPORT
10. Shri Ulhas B. Phal Dessai Chairman
Till 24-09-2017 Goa State Cooperative Bank Ltd.
H.O. “Sahakar Sankul”, EDC Complex,
Patto Plaza, Panaji - 403 001.
11.
Haryana State Cooperative Apex Bank Ltd.

S.C.O. No.78-80, Bank Square, Sector 17 B, Chandigarh - 160 017
12. Shri Harsh Mahajan Chairman

Till 26-02-2018 Himachal Pradesh State Cooperative Bank Ltd.
No.1 Bank Building, 2nd Floor, The Mall, Shimla - 171 001.
13. Shri M.S. Dar Chairman

Jammu & Kashmir State Cooperative Bank Ltd.
“ATHWAS GAHH”, Silk Factory Road, Raj Bagh, Srinagar – 190 008
14. Shri K.N. Rajanna, MLA President

Karnataka State Cooperative Apex Bank Ltd.
“UTHUNGA”, No.1 Pampa Mahakavi Road
Chamrajpeth, Bangalore - 560 018
15.
Kerala State Cooperative Bank Ltd.

“COBANK Towers”, P.O. Vikas Bhavan, Palayam
Thiruvananthapuram - 695 033
16.
Madhya Pradesh Rajya Sahakari Bank Maryadit

Multistoryed Building, T.T. Nagar, New Market
Bhopal - 462 003
17. Shri Pramod Karnad Managing Director

Maharashtra State Cooperative Bank Ltd.
Till 30-09-2017 9 Maharashtra Chamber of Commerce Lane, Fort, Mumbai - 400 023
18.
Manipur State Cooperative Bank Ltd.

Assembly Road, Imphal - 795 001
19. Shri Marchynna Syiem Chairman

Meghalaya Cooperative Apex Bank Ltd.
Apex Bank Building, M.G. Road, Shillong - 793 001.
20. Smt. T. Lalmuanpuii Chairperson

Mizoram Cooperative Apex Bank Ltd.
H.O. 2nd Floor, K.T. Khuma Building
Bara Bazar, Bungkawn, Aizawl - 796 001
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NAFSCOB
21.
Nagaland State Cooperative Bank Ltd.

Administrative Building, Khermahal,
H.O. Dimapur, Dimapur - 797 112
22. Shri Akshaya Kumar Mohanty President

Odisha State Cooperative Bank Ltd.
Pandit Jawaharlal Nehru Marg
Bhubaneswar - 751 001
23
Pondicherry State Cooperative Bank Ltd.

204 E.C. Road (100 Feet Road)
Olandaikeerapalayam, P.O. Muthaliarppet
Puducherry - 605 004
24. Shri Harbir Inder Singh Director

Punjab State Cooperative Bank Ltd.
SCO No.175-187, Sector 34-A,
Chandigarh - 160 022
25. Shri Abhay Kumar, IAS Administrator

Rajasthan State Cooperative Bank Ltd.
DC-1, Lalkothi Shopping Centre,
Opp. Nehru Balodyan, Tonk Road,
Jaipur - 302 015
26. Shri I.B. Rai, Ex. MLA, Chairman

Ex. Minister, Sikkim Sikkim State Cooperative Bank Ltd.
National Highway No.31-A,
Near Zero Point, Tadong 737 102
27. Thiru R. Elangovan President

Tamil Nadu State Apex Cooperative Bank Ltd.
4, N.S.C. Bose Road,
Chennai - 600 001.
28. Shri Konduru Ravinder Rao President

Telangana State Cooperative Apex Bank Ltd.
Dr. Y.S. Rajasekhar Reddy Sahakara Bhavan,
4-1-441 Troop Bazar,
Hyderabad - 500 001.
29.
Tripura State Cooperative Bank Ltd.

Amulya Market, 2nd Floor, Chowmohani, Mantribari Road
Agartala - 799 001.
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55TH ANNUAL REPORT
30. Shri Rajesh Singh Yadav Director

Uttar Pradesh Cooperative Bank Ltd.
Till 12-02-2018 2 M.G. Road,
Lucknow - 226 001.
31. Shri Dan Singh Rawat Chairman

Uttarakhand State Cooperative Bank Ltd.
Head Office Barilly Road,
Talli Haldwani (Nainital)
Nainital 263 139
32.
West Bengal State Cooperative Bank Ltd.

24-A, Waterloo Street,
Kolkata - 700 069.
iv
NAFSCOB
BOARD OF DIRECTORS OF NAFSCOB
As on 31-03-2018
1. Shri Dileep Sanghani Director
Ex.MP/Ex.Minister, Gujarat Gujarat State Cooperative Bank Ltd.
Chairman, NAFSCOB Sardar Vallabhai Patel Sahakar Bhavan
Nr. Shastrinagar BRTS Bus Stand, Ankur Road,
Naranpura, Ahmedabad – 380 013
2. Shri Bhagat Singh Chairman

Andaman & Nicobar State Cooperative Bank Ltd.
98 Maulana Azad Road
Port Blair – 744 101
3. Shri P. Venkateswara Rao, Ex. MLA, President

Ex.Minister, Andhra Pradesh Andhra Pradesh State Cooperative Bank Ltd.
Door No. 27-29-28, NTR Sahakara Bhavan
Governorpet, Vijayawada – 520 002
4. Shri Gautam Bora, Ex. MLA/ Director

Ex. Minister, Assam Assam Cooperative Apex Bank Ltd.
Vice-Chairman, NAFSCOB Apex Bank Building, Hem Barua Path
Pan Bazar, Guwahati – 781 001
5. Shri Ramesh Chandra Chaubey Chairman

(Till 19-03-2018) Bihar State Cooperative Bank Ltd.
Ashok Rajpath
Patna - 800 004
6. Shri Ashok Bajaj Chairman

Vice-Chairman, NAFSCOB The Chhattisgarh Rajya Sahakari Bank Maryadit
Indira Gandhi Commercial Complex
P.O. Pandari, Raipur – 492 001
7. Dr. Bijender Singh, Ex. MLA President

Delhi State Cooperative Bank Ltd.,
31 Netaji Subhash Marg, Daryaganj
New Delhi - 110 002
8. Shri Ulhas B. Phal Dessai Chairman

(Till 24-09-2017) Goa State Cooperative Bank Ltd.
H.O. “Sahakar Sankul”,
EDC Complex, Patto Plaza, Panaji - 403 001
9. Shri Harsh Mahajan, Chairman

Ex. MLA/Ex. Minister, Himachal Pradesh Himachal Pradesh State Cooperative Bank Ltd.
(Till 26-02-2018) No.1 Bank Building, 2nd Floor, The Mall
Shimla 171 001
10. Shri M.S. Dar Chairman

Jammu & Kashmir State Cooperative Bank Ltd.
‘ATHWAS GAHH’, Silk Factory Road
Raj Bagh, Srinagar – 190 008
11. Shri K.N. Rajanna, MLA President

Vice-Chairman, NAFSCOB Karnataka State Cooperative Apex Bank Ltd.
“UTHUNGA”, No.1 Pampa Mahakavi Road
Chamrajpeth, Bangalore – 560 018
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55TH ANNUAL REPORT
BOARD OF DIRECTORS OF NAFSCOB
As on 31-03-2018
12. Shri Pramod Karnad Managing Director
(Till 30-09-2017) Maharashtra State Cooperative Bank Ltd.
9 Maharashtra Chamber of Commerce Lane,
Fort, Mumbai - 400 023
13. Shri Marchynna Syiem Chairman

Meghalaya Cooperative Apex Bank Ltd.
Apex Bank Building, M.G. Road, Shillong - 793 001
14. Smt. T. Lalmuanpuii Chairperson

Mizoram Cooperative Apex Bank Ltd.
Tuikual South
Near Tennis Court, Aizawl – 796 001
15. Shri Akshaya Kumar Mohanty President

Odisha State Cooperative Bank Ltd.
Pandit Jawaharlal Nehru Marg
Bhubaneswar – 751 001
16. Shri Harbir Inder Singh Director

Punjab State Cooperative Bank Ltd.
SCO No. 175-187, Sector – 34-A,
Chandigarh – 160 022
17. Thiru R. Elangovan President

Tamil Nadu State Apex Cooperative Bank Ltd.
4, N.S.C. Bose Road, Chennai - 600 001
18. Shri Konduru Ravinder Rao President

Telangana State Cooperative Apex Bank Ltd.
Dr. Y.S. Rajasekhar Reddy Sahakara Bhavan
4-1-441 Troop Bazar, Hyderabad – 500 001
19. Shri Rajesh Singh Yadav Director

(Till 12-02-2018) Uttar Pradesh State Cooperative Bank Ltd.
2, M.G. Road, Lucknow – 226 001
20. Shri Dan Singh Rawat Chairman

Uttarakhand State Cooperative Bank Ltd.
Head Office Barilly Road Talli Haldwani
(Nainital)
Nainital – 263 139
Co-opted Director
1. Shri I.B. Rai, Ex.MLA, Chairman

Ex. Minister, Sikkim Sikkim State Cooperative Bank Ltd.
National Highway No.31-A
Near Metro Point
Tadong – 737 102
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NAFSCOB
EXECUTIVE COMMITTEE
Dileep Sanghani, Ex. M.P./Ex. Minister, Gujarat

Director, Gujarat SCB & Chairman, NAFSCOB
Gautam Bora, Ex.MLA/Ex. Minister, Assam Shri. K. N. Rajanna, MLA

Director, Assam SCB & President, Karnataka SCB &
Vice-Chairman, NAFSCOB (North-Eastern Zone) Vice-Chairman, NAFSCOB (Southern Zone)
Ashok Bajaj B. Subrahmanyam

Chairman, Chhattisgarh SCB & Managing Director, NAFSCOB
Vice-Chairman, NAFSCOB (Central Zone)
55TH ANNUAL REPORT
CHAIRMEN & CHIEF EXECUTIVES
OF
MEMBER STATE COOPERATIVE BANKS
(AS ON 31ST MARCH, 2018)
PRESIDENT / CHAIRMAN /
SR.
STATE COOPERATIVE BANKS CHAIRPERSON/SPECIAL CHIEF EXECUTIVE
NO.
OFFICER/ ADMINISTRATOR
1. Andaman & Nicobar SCB, Port Blair Shri Bhagat Singh* Shri K Murugan
2. Andhra Pradesh SCB, Vijayawada Shri P. Venkateswara Rao, Ex-MLA* Dr. A. V. Bhavani Shankar
3. Arunachal Pradesh SCB, Naharlagun Smt. Mimum Tayeng, APCS (AG) Shri Tsering Thongdok
4. Assam SCB, Guwahati Dr. Himanta Biswa Sarma Shri Shashank Shekhar Shastri
5. Bihar SCB, Patna$ Shri Suresh Chaudhary Shri Suresh Das
6. Chandigarh SCB, Chandigarh Miss Kriti Garg, IAS Shri Gurbachan Singh
7. Chhattisgarh SCB, Raipur Shri Ashok Bajaj* Shri H.K. Nagdeo
8. Delhi SCB, New Delhi Dr. Bijender Singh, Ex- MLA* Smt. Anita Rawat
9. Goa SCB, Panaji$$ Shri V.B. Prabhu Verlekar Shri Anant M Chodankar (I/c)
10. Gujarat SCB, Ahmedabad Shri Ajaybhai H. Patel Shri Pradip M. Vora
11. Haryana SCB, Chandigarh Shri Gulshan Bhatia Shri Manoj Kumar Bansal
12. Himachal Pradesh SCB, Shimla$$$ Shri Khushi Ram Balnatah Shri Ram Kumar Gautam, HAS
13. Jammu & Kashmir SCB, Srinagar Shri M. S. Dar* Shri Mohammed Latif Dar
14. Karnataka SCB, Bangalore Shri K.N. Rajanna*, MLA Shri G.S. Ramana Reddy, KCS
15. Kerala SCB, Thiruvananthapuram Shri V. Sanal Kumar, IAS Shri E. Devadasan, IAS
16. Madhya Pradesh SCB, Bhopal Shri Ramakant Bhargav Shri R K Sharma (I/c)
17. Maharashtra SCB, Mumbai$$$$ Dr. M.L. Sukhdeve Dr. A R Deshmukh (I/c)
18. Manipur SCB, Imphal Shri Kh. Khamba Singh Dr. Ranjan Yumnam, MCS
19. Meghalaya SCB, Shillong Shri M. Syiem* Shri O.E.J. Nongbri
20. Mizoram SCB, Aizwal Smt. T. Lalmuanpuii* Shri Lalzuahliana
21. Nagaland SCB, Dimapur Shri Temjen Toy, IAS Shri Imtilomba Longkumer
22. Orissa SCB, Bhubaneshwar Shri Akshaya Kumar Mohanty* Shri Tushar Kanti Panda
23. Pondicherry SCB, Pondicherry Shri. E. Vallavan Thiru Jyothiraju
24. Punjab SCB, Chandigarh Shri D. P. Reddy, IAS Dr. S.K. Batish
25. Rajasthan SCB, Jaipur Shri Abhay Kumar, IAS Shri V.D. Godara
26. Sikkim SCB, Gangtok Shri I.B. Rai, Ex-MLA** Shri Rampada Maiti
27. Tamil Nadu SCB, Chennai Thiru. R. Elangovan* Thiru. R. Karthikeyan
28. Telangana SCB, Hyderabad Shri Konduru Ravinder Rao* Dr. Nethi Muralidhar
29. Tripura SCB, Agartala Shri Haripada Chakraborty Shri Swapan Kumar Saha
30. Uttar Pradesh SCB, Lucknow Shri Narendra Kumar Singh Shri Rabi Kant Singh
31. Uttarakhand SCB, Haldwani Shri Dan Singh Rawat* Shri Deepak Kumar
32. West Bengal SCB, Kolkata Dr. M. V. Rao, IAS Shri Chinmoy Gupta
* Board of Directors.
** Coopted Director.
$ Shri Ramesh Chandra Chaubey was Chairman till 19-03-2018
$$ Shri Ulhas B. Phal Dessai was Chairman till 24-09-2017
$$$ Shri Harsh Mahajan was Chairman till 26-02-2018
$$$$ Shri Pramod Karnad was Managing Director till 30-09-2017
vii
NAFSCOB
NATIONAL FEDERATION OF
STATE COOPERATIVE BANKS LTD., NAVI MUMBAI
55th ANNUAL REPORT
2017-2018
CONTENTS
SR.NO. PARTICULARS PAGE NO.
1. Introduction 01
2. Economic Environment 01
3. Agricultural Production from 2014-15 to 2017-18 1-2
4. Union Budget for the year 2018 – 19 2–5
5. Government of India – Initiatives for Short Term Cooperative Credit and Banking Sector 5–8
6. Reserve Bank of India (RBI) – Monetary & Credit Policy and other Banking related initiatives – 2017-18 8 -12
7. National Bank for Agriculture and Rural Development (NABARD) - Policy and other initiatives for Short
Term Cooperative Credit Institutions - 2017-18 13 - 33
8. Progress and Performance of Short Term Cooperative Credit Institutions 33 - 37
9. National Federation of State Cooperative Banks (NAFSCOB) 37 - 58
10. All India Mutual Arrangement Scheme (AIMAS), NAFSCOB 58 - 60
11. Planning, Research and Development (PRD) Cell, NAFSCOB 60- 61
12. Conferences, Seminars, Workshops and Meetings by NAFSCOB 61
13. NAFSCOB Journal of Rural Cooperative Credit and Banking 61 - 62
14. Computerisation in NAFSCOB 62
15. Representation and Participation by NAFSCOB 62 - 66
16. Accounts and Finance of NAFSCOB 67- 69
17. Acknowledgements 70
Appendices 72 - 94
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55TH ANNUAL REPORT
LIST OF A P P E N D I C E S
Sr.No. Appendix Details Page No.
Appendix – 1 Agriculture Production - At a Glance -2014-15 to 2017-18 72

Appendix – 2 Status of Bank Rate since 1935 73
Appendix – 3 Status of Cash Reserve Ratio (CRR) - Since July 1935 74-76
Appendix – 4 State-wise sanctions and utilisation of Credit Limits to S.T.(SAO), ST-Weavers, MT 77
(Conversion) during the year 2017-18
Appendix – 5 Cooperative Development Fund - Assistance sanctioned to Cooperative Credit 78
Institutions as on 31.03.2018
Appendix – 6 Kisan Credit Card (KCC) - Progress -2017-18 79
Appendix – 7 Kisan Credit Card (KCC) - Agency-wise cumulative Progress since inception-2017-18 80
Appendix – 8 Performance of SCBs during 2016-17 vis-à-vis 2015-16 – Statistical Presentation 81
Appendix – 8A SCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 (Membership) – 82
Graphic Presentation
Appendix – 8B SCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 83
(Key Performance Parameters) – Graphic Presentation
Appendix – 8C SCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 84
Appendix – 9 Performance of DCCBs during 2016-17 vis-à-vis 2015-16 – Statistical Presentation 85
Appendix – 9A DCCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 (Membership) 86
– Graphic Presentation
Appendix – 9B DCCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 87
Appendix – 9C DCCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 88
Appendix – 10 Performance of PACS during 2016-17 vis-à-vis 2015-16 – Statistical Presentation 89
Appendix – 10A PACS - Performance at a Glance during 2016-17 vis-à-vis 2015-16 (Membership) – 90
Appendix – 10B PACS - Performance at a Glance during 2016-17 vis-à-vis 2015-16 91
Appendix – 10C PACS - Performance at a Glance during 2016-17 vis-à-vis 2015-16 92
Appendix – 11 Grant-in-Aid from the Ministry of Agriculture, Govt. of India to NAFSCOB 93
Appendix – 12 Managing Director and Officers of NAFSCOB (as on 31.03.2018) 94
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NAFSCOB
NATIONAL FEDERATION OF
STATE COOPERATIVE BANKS LTD., NAVI MUMBAI
55th ANNUAL REPORT - 2017 – 2018

1. Introduction:
National Federation of State Cooperative Banks Ltd. (NAFSCOB) presents its Fifty-fifth Annual Report for
the year 2017-18 with a brief on overall economic environment of the country including agriculture, Union
Budget agenda for 2018-19 and various initiatives taken by Government of India (GoI). The important
policy initiatives of Reserve Bank of India (RBI) and National Bank for Agriculture and Rural Development
(NABARD) in the areas of regulation, development, refinance, supervision have been enumerated and
related circulars have been extensively quoted in two separate sections of the annual report. Further, the
important developments in the Short Term Cooperative Credit Structure (STCCS), the initiatives of
NAFSCOB and finally the performance of NAFSCOB during 2017-18 (April 01, 2017 to March 31, 2018) have
been presented in this annual report for the perusal of our members.
2. Economic Environment:
In the Advance Estimates of GDP that released by Central Statistics Office (CSO), the growth rate of GDP at
constant market prices is pegged at 6.75 per cent in 2017-18 from 7.1 per cent in 2016- 17. Major reforms
were undertaken over the past year. The transformational Goods and Services Tax (GST) was launched at
the stroke of midnight on July 1, 2017. And the long-festering Twin Balance Sheet (TBS) problem was
decisively addressed by sending the major stressed companies for resolution under the new Indian
Bankruptcy Code and implementing a major recapitalization package to strengthen the public sector
banks. As a result of these measures, the dissipating effects of earlier policy actions, and the export uplift
from the global recovery, the economy began to accelerate in the second half of the year.
3. Agricultural Production from 2014-15 to 2017-18:
The uncertainties in growth in agriculture are explained by the fact that more than 50 percent of
agriculture in India is rainfall dependent which aggravates the production risks. However, the declining
share does not undermine the significance of the sector for employment, livelihood and food security.
During 2017-18, the share of agriculture in total Gross Domestic Product (GDP) was 16.14 per cent. The
agriculture and allied sectors registered 4.9 per cent and 2.1 per cent growth in 2016-17 and 2017-18 (first
advance estimate) respectively.
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55TH ANNUAL REPORT
As per the Second Advance Estimates (AE) for 2017-18 released on 27 February 2018, food grains production
during 2017-18, estimated at 277.49 million tonnes, is expected to be higher by 2.38 million tonnes over the
production of 275.11 million tonnes during 2016-17. As per the final estimates, the production of food
grains during 2016-17 is placed at 275.11 million tonnes (rice at 109.70 million tonnes and wheat at 98.51
million tonnes) vis-à-vis 251.57 million tonnes (rice at 104.41 million tonnes and wheat at 92.29 million
tonnes) in 2015-16. Production of pulses in 2017-18 is estimated at 23.95 million tonnes, sugarcane at
3532.26 million tonnes, oilseeds at 298.82 million tonnes and cotton at 33.91 million bales of 170 kg each.
Details of Agricultural Production – 2014-15 to 2017-18 (2nd Advance Estimates) as provided by the Ministry
of Agriculture, Government of India is given in Appendix -1.
4. Union Budget for the year 2018 – 19:
The Annual Union Budget for the year 2018-19 was presented in the Parliament on 01 February 2018 by
Shri Arun Jaitley, Hon’ble Union Finance Minister.
The Budget for 2018-19 guided by mission to strengthen agriculture, rural development, health, education,
employment, Medium, Small and Micro Enterprises (MSME) and infrastructure sector. As per the Union
Finance Minister, a series of structural reforms will propel India among the fastest growing economies of the
world.
Union Finance Minister, presented budget proposals under seven distinct themes viz. (i) Agriculture and
Rural Economy (ii) Health, Education and Social Protection, (iii) MSMEs and Employment, (iv) Infrastructure
and Financial Sector Development, (v) Building Institutions and Improving Public Service Delivery, (vi)
Fiscal Management, (vii) Tax Proposals.
A) Union Budget – 2018-19 – Highlights:
I. Agriculture and Rural Economy
• Target for agricultural credit in 2018-19 has been fixed at a record level of Rs.11 lakh
crores.
• Union Government allocated Gross Budgetary Support (GBS) of ? 15000 crores for Interest
Subsidy for Short Term Credit to farmers.
• Allocation of ? 13,000 crores for Pradhan Mantri Fasal BimaYojana.
• Allocation of ? 4000 crores for Pradhan Mantri Krishi Sinchai Yojana.
• Union Government allocated ? 1,500 crores for National Food Security Mission.
• Coverage of e-NAM to 585 APMCs by March 2018.
• Proposal to setup Agri-Market Infrastructure Fund with corpus of ? 2000 crore.
• Allocation of ? 5000 crores for Operation Greens on the line of Operation Flood.
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NAFSCOB
• Extension of facility of Kisan Credit Cards to fisheries and animal husbandry farmers.
• Proposal to purchase surplus solar power from farmers at reasonable remunerative rates.
• Set up of Long Term Irrigation Fund (LTIF) in NABARD
• Allocation of ? 2600 crores for Ground water Irrigation Scheme under Prime Minister Krishi
Sinchai Yojana.
ii. Health, Education and Social Protection:
• Sukanya Samriddhi Account Scheme launched in January 2015. Until November, 2017 more
than 1.26 crore accounts have been opened across the country in the name of girl child
securing an amount of ? 19,183crore.
• Proposed an earmarked allocation of ? 56,619crore for SCs and ? 39,135 crore for STs in
2018-19.
• Estimated schematic budgetary expenditure on health, education and social protection
for 2018-19 is ? 1.38 lakh crores.
iii. MSMEs and Employment:
• Proposal of ? 3794 crore allocation to MSME sector for credit support, capital and interest
subsidy and innovations.
• Proposed a target of ? 3 lakh crore for lending under MUDRA for 2018-19.
• Proposal of ? 7148 core for the textile sector in 2018-19.
iv. Infrastructure and Financial Sector Development:
• Proposed to allocate ? 1,48,528 crore to Railways.

• Decision to eliminate 4267 unmanned level crossings in the broad gauge network in the
next two years.
• Allocation to Digital India programe increased double to ? 3,073 crore in 2018-19.
• Allocation of ? 10,000 crore in 2018-19 for creation and augmentation of Telecom
infrastructure.
v. Flow of Agricultural Credit:
The plan target and actual flow of agriculture credit during the last twelve years i.e. the year 2005-
06 to 2016-17and the target for the year 2017-18 & 2018-19 is given below.
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55TH ANNUAL REPORT
(Rupees in crores)
Year Target Achievement
2005-06 1, 41,500 (34.76%) 1,80,486 (44.03%)
2006-07 1,75,000 (23.67%) 2,29,401 (27.10%)
2007-08 2,25,000 (28.57%) 2,50,000 (8.98%)
2008-09 2,80,000 (24.44%) 3,01,908 (20.76%)
2009-10 3,25,000 (16.07%) 3,84,514 (27.36%)
2010-11 3,75,000 (15.38%) 4,68,291 (21.79%)
2011-12 4,75,000 (26.66%) 5,11,029 (9.13%)
2012-13 5,75,000 (21.05%) 6,07,375(18.85%)
2013-14 7,00,000 (21.74%) 7,30,765 (20.31%)
2014-15 8,00,000 (14.28%) 8,45,328 (15.68%)
2015-16 8,50,000 (6.25%) 8,80,000(4.10%)
2016-17 9,00,000 (5.88%) 9,59,825(9.07%)*
2017-18 10,00,000 (11.11%) NA
2018-19 11,00,000(10%) ----
Note: Figures in parentheses indicate percentage change over previous year. Source: Budget documents & Economic Surveys of GoI (2005-06 to
2016-17) & NABARD Annual Reports (2005-06 to 2013-14).*Fig. 17: Agriculture Credit, Pp.157 (Economic Survey 2016-17, GoI).
vi. Budget Estimates:
lTotal Expenditure has been estimated at ? 24,42,2013crore.

lRevenue receipts are estimated to be ? 17,25,738crore.
lTax Revenue receipts are estimated to be ? 14,80,649 crores
lNon-Tax Revenue receipts estimated to be ? 2,45,089 crores
lCapital receipts are estimated to be ? 7,16,475 crore
lFiscal deficit will be 3.3 per cent of GDP and Revenue Deficit will be 2.2 per cent of GDP.
vii. The Union Budget for 2018-19 should have addressed the following for strengthening of STCCS:
• Restoration of exemption available under Section 80P of Income Tax Act, 1961
• Steps to ensure that the short term cooperative credit institutions are allowed to be
healthy, viable and member driven.
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NAFSCOB
• Recapitalisation assistance to District Central Cooperative Banks (DCCBs) on the lines of
Revival Package recommended to STCCS by the Task Force on Revitalisation of Cooperative
Credit Institutions.
• Review, Revamp and Restructuring of Interest Subvention-An upward Revision.
• Need for formulating appropriate schemes to help DCCBs to regain their
reputation/leadership which was affected by their non-participation in Specified Bank
Notes (SBNs) under demonetisation.
• Support to implement Roadmap to enhance the share of cooperatives in agricultural
credit.
• Steps taken for computerization of Primary Agricultural Credit Societies (PACS) as
announced in the Union Budget of 2017-18.
• Hold Consultations with NAFSCOB to get most relevant, reliable and factual information to
help to appreciate the issues involved in the short term cooperative credit structure and
Agriculture sector.
• THE UNION BUDGET for the Year 2018-19 does not enthuse the cooperatives. However, we
appreciate the efforts made to demonstrate India as a great country.
5. Government of India – Initiatives for Short Term Cooperative Credit and Banking Sector:
Now, permit me to place before you the various developments and important initiatives as well as events in
the short term cooperative credit and banking sector and other contributory developments during the
recent past and also during the year 2017-18.
5.1. Gazette Notification issued by Ministry of Finance allowing DCCBs to deposit the SBNs accepted from
their customers, in any office of RBI:
Government of India, after duly considering the recommendations of the Central Board of Directors of the
RBI, had withdrawn with effect from 09th November, 2016 the legal tender status of ? 500/- and ? 1,000/-
denominations of bank notes of the Mahatma Gandhi Series issued by the RBI. It was a startling
announcement by the GoI, in consequence, such bank notes cannot be used for transacting business and/or
store of value since then in India.
RBI vide its Circular No.RBI/2016-17/130 DCM (Plg) No.1273/10.27.00/2016-17 November 14, 2016
communicated to all banks including State Cooperative Banks (SCBs) and DCCBs and clarified that DCCBs
can allow their existing customers to withdraw money from their accounts upto ? 24,000/- per week upto
November 24, 2016. However no exchange facility against the SBNs (? 500/- and ? 1000/-) or deposit of
such notes should be entertained by them.
In continuation, RBI vide its Circular No.DCM (Plg) N.1294/10.27.00/2016-17 dated November 17, 2016
communicated to all banks including SCBs that DCCBs are neither permitted to exchange nor accept
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55TH ANNUAL REPORT
deposits in SBNs. Further, RBI instructed all banks including SCBs not to accept SBNs tendered by the DCCBs
for credit to their account with branches of other banks including SCBs.
As resolved by Board of Directors of NAFSCOB, a delegation led by Dr. Chandrapal Singh Yadav ji, M.P (Rajya
Sabha) & President, NCUI submitted representation to Shri. Arun Jaitley, Hon’ble Union Minister For
Finance on demonetization and impact of non-applicability of the exchange/deposit of SBN Scheme to the
DCCBs at New Delhi on 05 December 2016. The delegation included Shri Dileep Sanghani, Chairman,
NAFSCOB; Dr. Bijender Singh, Ex-Chairman, NAFSCOB & President Delhi SCB; Shri V.P. Singh,
Ex. President, NCUI & Member, Governing Council, NCUI; Shri Bhima Subrahmanyam, Managing Director,
NAFSCOB and Shri Ajaybhai H. Patel, Chairman, Gujarat SCB.
In continuation, Chairman, NAFSCOB vide letter No.D.O./NAFSCOB/G-3/2017-18/72, dated 18-05-2017

appealed Hon’ble Union Finance Minister to give permission to DCCBs to deposit SBNs held by them and
save from financial collapse.
Government of India vide its Gazette Notification No.G.S.R. 611(E) dated 20th June, 2017 under SBNs
(Deposit by Banks, Post Offices and District Central Cooperative Banks) Rules, 2017 given permission to
DCCBs to deposit SBNs accepted from their customers within the period of 10th November to 14th
November 2016. DCCBs had to deposit the SBNs accumulated at their level in any Office of the RBI within 30
days from the commencement of the rules.
However, outstanding of SBNs (? 147.53 crores) as on 8th November 2016 and held by DCCB till to-day are
not allowed to be deposited by the DCCBs in any offices of the RBI on or before closure of the financial year
2017-18.
5.2. Goods and Services Tax introduced and launched by the Government of India w.e.f. 1st July, 2017:
Goods and Services Tax, a single consolidated indirect tax system, launched by the GoI, under the motto
“One Nation, One Tax and One Market”, on 1st July, 2017 to remove tax barriers between states and create
a single market. Prior to that, the Parliament of India passed the following four Acts of Parliament and had
received the assent of the President of India on the 12th April, 2017, and the same had been published on
the Gazette of India, Extra Ordinary, Part II- Section -1, on the 12th April, 2017, namely:
i. the Central Goods and Services Tax (CGST) Act, 2017 (12 of 2017),
ii. the Integrated Goods and Services Tax (IGST) Act, 2017(13 of 2017),
iii. Union Territory Goods and Services Tax (UTGST) Act , 2017(14 of 2017) and
iv. the GST (Compensation to States) Act, 2017(15 of 2017)
The introduction of GST was a very significant step in the field of indirect tax reforms in India. By
amalgamating a large number of Central and State taxes into a single tax, it would mitigate cascading or
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NAFSCOB
double taxation in a major way and pave the way for a common national market. From the consumer point
of view, the biggest advantage would be in terms of a reduction in the overall tax burden on goods, which is
estimated to be around 25%-30%. Introduction of GST would also make Indian products competitive in the
domestic and international markets. Studies show that this would have a boosting impact on economic
growth. Last but not the least, this tax, because of its transparent and self-policing character, would be
easier to administer.
5.3. Financial Resolution and Deposit Insurance Bill 2017 as introduced in Lok Sabha:
The Financial Resolution and Deposit Insurance (FRDI) Bill 2017 was tabled in the Lok Sabha in August, 2017
following which it was referred to a joint parliamentary committee. The proposed Financial Resolution and
Deposit Insurance Bill, 2017, inter alia, provides for,—
(a) establishment of a Resolution Corporation and to confer upon the Corporation certain powers of
resolution relating to transfer of assets to a healthy financial firm, merger or amalgamation,
liquidation to be initiated by an order of the National Company Law Tribunal and some new
methods of resolution, such as bail-in and creation of a bridge service provider;
(b) designation of certain financial service providers as Systemically Important Financial Institutions,
based on the criteria to be determined by the Central Government, the failure of which may
disrupt the entire financial system and in view of their importance for the economy, the proposed
legislation confers some additional powers in respect of such institutions;
(c) constitution of certain funds for the purposes of the proposed legislation, namely, (i) the
Corporation Insurance Fund for deposit insurance provided by the Corporation to the insured
service providers; (ii) the Corporation Resolution Fund for meeting the expenses of carrying out
resolution of specified service providers; and (iii) the Corporation General Fund for all other
functions of the Corporation;
(d) repeal of the Deposit Insurance and Credit Guarantee Corporation Act, 1961;
(e) amendment of certain enactments, in the manner provided in the Fourth Schedule to the proposed
legislation, with a view to give resolution powers to the Resolution Corporation under those Acts.
5.4. Issue related to Income Tax exemption to cooperative banks:
NAFSCOB every year submit memorandum to Ministry of Finance (MoF), GoI on the eve of presentation of
the Union Budget. NAFSCOB submitted the memorandum to MoF, GoI for the year 2018-19. Memorandum
covered issue on Income Tax exemption to cooperative banks apart from other issues related to cooperative
banks.
Ministry of Finance, Government of India ruled out providing income tax exemption to profit making
cooperative banks saying they functioned like commercial banks. Therefore, the Union Minister of Finance
is of the strong view that cooperative banks should be treated on par with commercial banks in respect of
income tax provisions.
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55TH ANNUAL REPORT
National Cooperative Union of India (NCUI) vide its letter No.NCUI/PUB/Budget/2018, dated 08-01-2018
requested NAFSCOB to send comments on the same. In this connection NAFSCOB vide its letter
No.NAFSCOB/N-1/2017-18/367, dated 24-01-2018 submitted comments to NCUI.
6. Reserve Bank of India – Monetary & Credit Policy and other Banking related initiatives – 2017-18:
6.1. Bi-monthly Monetary Policy Statements- 2017-18
The Governor, RBI announced following Bi-monthly statements during 2017-18:
• First Bi-monthly Monetary Policy Statement on 06-04-2017,

• Second Bi-monthly Monetary Statement on 07-06-2017,
• Third Bi-monthly Monetary Statement on 02-08-2017,
• Fourth Bi-monthly Monetary Statement on 04-10-2017,
• Fifth Bi-monthly Monetary Policy Statement on 06-12-2017 and
• Sixth Bi-monthly Monetary Policy Statement on 07-02-2018
6.1.1 Highlights:
Highlights of policy decisions announced by RBI through Bi-monthly Monetary Policy Statements during the
year 2017-18 are depicted as below:
• Reduce the policy repo rate under the liquidity adjustment facility (LAF) by 25 basis points from
6.25 per cent to 6.0 per cent with immediate effect.
• Consequently, the reverse repo rate under the LAF stands adjusted to 5.75 per cent, and the
marginal standing facility (MSF) rate and the Bank Rate to 6.25 per cent.
• The decision of the Monetary Policy committee (MPC) is consistent with a neutral stance of
monetary policy in consonance with the objective of achieving the medium-term target for
consumer price index (CPI) inflation of 4 per cent within a band of +/- 2 per cent, while supporting
growth.
• Keep the cash reserve ratio (CRR) of 4.0 per cent of net demand and time liability (NDTL);
(Details of changes in Bank Rate, Repo Rate and Reverse Repo Rate are given in Appendices 2
and 3).
6.2. Maintenance of Statutory Liquidity Ratio (SLR) under Section 24 and Section 56 of Banking Regulation
Act, 1949:
RBI vide its Circular dated June 7, 2017, communicated the decision to reduce the Statutory Liquidity Ratio
(SLR) of commercial banks, primary (urban) co-operative banks (UCBs), SCBs and DCCBs from 20.5 per cent
of their Net Demand and Time Liabilities (NDTL) to 20.00 per cent from the fortnight commencing June 24,
2017. Further, RBI reduced SLR to 19.50 per cent w.e.f.14-10-2017.
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NAFSCOB
6.3. Regulatory requirements for issue of Pre-paid Payment Instruments (PPIs) by Cooperative Banks:
RBI vide its Circular dated 25-05-2017 communicated its decision to permit all licenced co-operative banks
having their own ATM network to issue semi-closed PPIs, provided there are no restrictions on acceptance or
repayment of deposits. This is subject to the compliance with eligibility criteria and other guidelines as
prescribed by Department of Payment and Settlement Systems (DPSS), RBI from time to time.
6.4. RBI instructions with regard to the settlement at half-hourly intervals under National Electronic Funds
Transfer (NEFT) system:
The half hourly settlements would speed up the funds transfer process and provide faster credit to the
destination accounts. Accordingly, the RBI introduced 11 additional settlement batches during the day (at
8.30 am, 9.30 am, 10.30 am ……… 5.30 pm and 6.30 pm), taking the total number of half hourly settlement
batches during the day to 23. The starting batch at 8.00 am and closing batch at 7.00 pm remained the same
as hitherto. The return discipline also remained the same i.e., B+2 hours (Settlement batch time plus two
hours) as per extant practice. Therefore, the RBI advised the participating banks to carry out the required
changes in their CBS system to initiate the NEFT transactions for half hourly settlement as above, and also
to accept and credit the inward NEFT transactions on half hourly basis.
6.5. RBI Guidelines on Merchant Acquisition for Card Transactions:
Keeping in view the need for encouraging digital channels for financial transactions in co-operative banks,
RBI allowed all co-operative banks to enter into credit card business on their own or co-branding
arrangement with other banks, subject to fulfilment of the guidelines issued by the RBI on April 28, 2017.
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55TH ANNUAL REPORT
6.6. Fit and Proper Criteria for Directors and Chief Executive Officers (CEOs) of SCBs and DCCBs prescribed
by RBI:
RBI made amendments in ‘Fit and Proper Criteria’ w.e.f. July 05, 2011, Highlights of the same are given as
below:
Position Criteria (Amended Portion)
Director A declaration as in Annex II shall be obtained from each elected director. A special
(Elected Board-level committee shall be set up by the elected Board to satisfy itself about
Members) the information provided by the directors in the declaration.
Professional
2. In case elected members do not possess prescribed qualifications/experience as
Director above (given in Annexure), the Board shall co-opt requisite number of professionals
with such prescribed qualifications/experience as directors to ensure that there are at
least three directors with the prescribed qualifications/experience. Such co-opted
directors shall have voting rights.
3. A person having commercial dealings with the bank (viz., contractor, professional like
legal advisor, auditor etc.) will be treated as having business relationship with the
bank. A person having deposits with/borrowing from the bank will not be classified as
having business relationship for the purpose.
4. Further, a declaration as in Annex II shall be obtained from a co-opted director at the
time of his/her appointment. The Board level committee, as mentioned above, shall
undertake a process of due diligence in respect of each co-opted director relying on
information given in the declaration.
2. The Person to be appointed as CEO shall at least be a:

i. Graduate with CAIIB/DBF/Diploma in Cooperative Business Management or
equivalent qualification; or
Chief ii. Chartered/Cost Accountant; or
Executive iii. Post Graduate in any discipline
Officer
3. Senior/middle level for the purpose shall be taken as the third level (scale/cadre)
onwards (i.e., excluding the first two levels (scales/cadres) in the officer cadre), or as
the highest two levels (Scales/cadres) below the level of CEO.
4. The Board of the bank, in question/Selection Committee should also undertake a
process of due diligence in respect of the person, relying on information to be obtained
from him/her as in Annex II, before appointment.
• Revised Criteria :
Subsequently, RBI relaxed and revised the age limit for the appointment of CEOs of SCBs/DCCBs vide letter
No.DCBR.CO.RCBD.No.2365/19.51.022/2017-18, dated 04 January, 2018 as follows:
i. For entry level eligibility to be relaxed to 62 years.
ii. For superannuation, the upper age limit to be fixed at 70 years. However, the age of
superannuation may be decided by RCS of the respective States after taking into consideration the
recommendations, if any, of the Board of Directors (BoDs) of the individual SCB and DCCBs. Within
the overall limit of 70 years, individual SCB/DCCB Boards are free to prescribe a lower retirement
age for the CEO, as an internal policy, subject to approval of RCS of the respective State.
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NAFSCOB
NABARD vide its Circular dated 17 January, 2018 communicated the same to Registrar of Cooperative
Societies (RCS) in all States and Union Territories.
6.7. RBI directions regarding Customer Protection – Limiting Liability of Customers of Cooperative Banks in
Unauthorised Electronic Banking Transactions:
With the increased thrust on IT enabled financial inclusion and related customer protection issues, and
considering the recent surge in customer grievances relating to unauthorised transactions resulting in
debits to their accounts/cards, the criteria for determining the customer liability in these circumstances
have been reviewed. RBI vide its Circular dated 14-12- 2017 communicated revised directions to all SCBs
and DCCBs.
6.8. Revised framework for Rationalisation of Merchant Discount Rate (MDR) for Debit Card Transactions of
the RBI:
Based on consultations with stakeholders on the “Draft Circular - Rationalisation of MDR for Debit Card
Transactions”, as also taking into account the twin objectives of promoting debit card acceptance by a
wider set of merchants, especially small merchants, and ensuring sustainability of the business for the
entities involved, RBI vide its Circular dated 06-12-2017 communicated all banks about its decision and
criteria to rationalise the MDR for debit cards.
6.9. Constitution of Sub-Group of Cooperative Banks under High-Level Task Force (HTF) on Public Credit
Registry (PCR):
RBI vide its Press Release dated 23-10-2017 announced constitution of a HTF on PCR under Chairmanship of
Shri Y. M. Deosthalee, ex-CMD, L&T Finance Holdings Limited. PCR will be an extensive database of credit
information for India that is accessible to all stakeholders. It would help in enhancing efficiency of the
credit market, increase financial inclusion, improve ease of doing business and help control delinquencies.
Further, HTF constituted Five Sub-groups under (i) Banking, (ii) Cooperative Banks, (iii) Non-Banking
Financial Companies (NBFCs), (iv) Information Technology and (v) Regulators to crystallise the views and
expectations of various stakeholders. Accordingly, NABARD vide its letter dated 06 February 2018
communicated the constitution of Sub-group of Cooperative Banks on PCR to NAFSCOB. The Sub-group of
Cooperative Banks on PCR is headed by Shri K. Venkateswara Rao, CGM, DoS, NABARD, H.O. NABARD
nominated Managing Director, NAFSCOB as one of the members of the Sub-group of Cooperative Banks.
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55TH ANNUAL REPORT
The Sub-group of Cooperative Banks on PCR comprises:
1 Shri K Venkateswara Rao, CGM, DoS, NABARD, Head Office Chairman
2 General Manager, IDD, NABARD, Head Office Member
3 General Manager, DFIBT, NABARD, Head Office Member
4 Dy. General Manager, LAW DEPT, NABARD, Head Office Member
5 Managing Director, NAFSCOB* Member
6 CEO / Managing Director, Maharashtra State Cooperative Bank Member
7 CEO / Managing Director, Assam State Cooperative Bank Member
8 CEO / Managing Director, Ahmed Nagar District Central Cooperative Bank Member
9 CEO / Managing Director, Rajkot District Central Cooperative Bank Member
10 CEO / Managing Director, Valsad District Central Cooperative Bank Member
11 Secretary, PACS, Ahmednagar District Member
12 Secretary, PACS, Rajkot District Member
13 CEO, Saraswat Co-operative Bank Ltd, Mumbai Member
14 CEO, Abhyudaya Co-operative Bank Ltd, Mumbai Member
15 CEO, NKGSB Co-operative Bank Ltd, Mumbai Member
16 CEO, Vishveshwar Sahakari Bank Ltd, Mumbai Member
17 Representative of NeSL Member
18 Shri D K Mishra, GM, DoS, NABARD, Head Office Member Secretary
*Dr. J. S. Hanamashetti, Deputy Director, represented the Managing Director, NAFSCOB
6.10. RBI Circular on Submission of Financial Information to Information Utilities (IUs):
RBI vide its Circular dated 19-12-2017 advised all financial creditors regulated by RBI to adhere to the
relevant provisions of Insolvency and Bankruptcy Code (IBC), 2016 and Insolvency and Bankruptcy Board of
India (IBBI) (IUs) Regulations, 2017 and immediately put in place appropriate systems and procedures to
ensure compliance to the provisions of the Code and Regulations.
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NAFSCOB
7. National Bank for Agriculture and Rural Development - Policy and other initiatives for Short Term
Cooperative Credit Institutions - 2017-18:
7.1. Provision of Short Term (ST) Refinance to SCBs for financing various purposes under ST (others) – Policy
of NABARD for the year 2017-18:
The policy has since been reviewed and NABARD communicated all SCBs about its decision to continue
broadly with the same policy for the financial year 2017-18. Highlights of the Policy for the year 2017-18 are
given as below:
i. The eligibility for refinance was linked to compliance with the Capital to Risk (Weighted) Assets
Ratio (CRAR) norms. The ST (Others) refinance would be available to SCBs / DCCBs as per CRAR
norms stated below:
a) SCBs having CRAR above 7% and the DCCBs with CRAR above 7% (as on 31.03.2016), were
eligible for ST (Others) refinance. SCBs with CRAR less than 7% were not eligible for
refinance.
b) In case of SCBs with CRAR more than 7%, but individual DCCBs with CRAR less than 7%, no
credit limit was available on behalf of such banks.
ii. The audit of SCBs for the year ending 31.03.2016 was to be completed.
iii. The quantum of refinance was 100% of Realistic Lending Programme (RLP).
iv. New activities for `Provision of Refinance to SCBs for financing Procurement and Marketing
Activities of State Owned Federations' and `Refinance for financing Bonafide’ Commercial or trade
transactions activities were included in the policy circular.
v. The refinance assistance, from NABARD to SCBs was available at interest rate of 7.5% p.a., subject
to revision advised by NABARD from time to time.
• Eligible activities:
Eligible activities for provision of refinance assistance from NABARD under ST (Others) -
i. Working capital requirement of agriculture and allied activities
ii. Marketing of Crops
iii. Industrial Cooperative Societies (other than Weavers)
iv. Labour contract cooperative societies engaged in any one or more of the 22 approved
broad groups of Cottage, Village and Small Scale Industries, Forest Labour Cooperative
Societies engaged in collection and marketing of Minor Forest Produce, Labour Contract
Cooperatives engaged in civil work in rural areas.
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55TH ANNUAL REPORT
v. Rural artisans including weaver members of PACS/FSS/LAMPS.
vi. Fisheries sector/Fishery activities.
7.2. Additional Refinance for the year 2017-18 for provision of Short Term (ST) refinance by NABARD to
SCBs for financing Seasonal Agricultural Operations (SAO):
The Policy for the FY 2016-17 had since been reviewed and continued broadly with same policy for the
financial year 2017-18 by NABARD.
The Circular reiterates that the total limit sanctioned under Additional Short Term refinance should not
exceed 50% of Ground Level Credit (GLC) of eligible CCBs including outstanding under normal ST (SAO).
Pending receipt of Short Term Cooperative Rural Credit (STCRC) fund, the SCBs could draw upto 50% of GLC
or as the case may be, under this line of credit which may be adjusted on receipt of refinance under normal
limit. SCBs may submit an application for sanction of additional ST (SAO) credit limit on behalf of all the
eligible DCCBs, in the prescribed proforma to NABARD RO.
SCBs in the North Eastern Region, Jammu & Kashmir, Sikkim, Himachal Pradesh, Uttarakhand and Andaman
& Nicobar Islands, were eligible for additional refinance of 20% with relaxation in net NPAs.
The rate of interest on refinance under this line of credit was 7.5% during the year 2017-18, subject to
changes made by NABARD from time to time. Interest was payable at half-yearly rests on 30 September and
31 March.
7.3. Financial Support from Financial Inclusion Fund (FIF) from NABARD to Rural Cooperative Banks and
Regional Rural Banks (RRBs) for Operationalisation of Central KYC Records Registry:
RBI vide its Master Direction dated 08 December 2016 has notified that all Regulated Entities (REs) other
than Scheduled Commercial Banks are to upload the Know Your Customer (KYC) data pertaining to all new
individual accounts opened on or after from April 1, 2017, with Central KYC Registry. In this connection
NABARD vide its Circular dated 12 April 2017 communicated its decision to extend financial support from
Financial Inclusion Fund to encourage rural Cooperative Banks and RRBs to onboard to the CKYCR system.
7.4. Refinance Policy of NABARD for SCBs on schematic lending for 2017-18:
NABARD ‘Policy on Refinance for Schematic Lending for SCBs’ was reviewed and the policy for the year
2017-18 communicated vide its Circular dated March 31, 2017. SCBs were classified into 4 categories viz.
low risk (marks 65 and above), moderate risk (marks 50 to 64), medium risk (marks 40 to 49) and high risk
(marks below 40) as per the risk assessment module devised by the Risk Management Department of the
NABARD. Prescribed risk premium accordingly charged on NABARD rate of interest on refinance.
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NAFSCOB
The eligibility of the bank determined on the basis of financial parameters such as net NPAs, net profit in
2015-16, CRAR as on 31.03.2016 and audit class classification.
• Quantum of Refinance:
Criteria Quantum of refinance
Low risk category (Marks 65 The quantum of refinance was unrestricted, subject to the banks'
and above) realistic lending program acceptable to NABARD and the overall
allocation for the State / Bank.
Moderate risk category The quantum of refinance was fixed at 25% over and above the
(Marks 50 to 64) and Medium refinance drawn in the previous year / 90% of the ground level
risk category (Marks 40 to 49) credit for term loans disbursed by the concerned SCB / DCCB
during 2015-16, whichever was higher.
High risk category (Marks Bank was not eligible for refinance.
below 40)
7.5. NABARD Policy for the year 2017-18 on Provision of ST refinance to State Cooperative Banks for
financing SAO:
The highlights of the ST (SAO) Policy for the year 2017-18 are as follows:
• The quantum of ST (SAO) refinance was continued to be linked to Net NPA level of the SCB. The
norms which were operational during 2016-17 were continued during 2017-18 with following
modifications:
• The eligibility for quantum of refinance among other things, were based on the net NPA position of
SCBs as on 31.03.2016.
- NPA position as indicated in the statutory audit report formed the basis for eligibility.
- However, in the event of any variation in the net NPA position as indicated in the audit report and
the Inspection Report of NABARD, the latter was to be reckoned for determining the eligibility.
- The net NPA position at SCB / DCCB level and not at the level of SCB / DCCB branches were to be
reckoned for the purpose of eligibility of SCB.
- In case, there is improvement / deterioration in any of the financial parameters as on 31.03.2017
[after completion of statutory audit], the same will be reckoned for eligibility of refinance limit.
• The CRAR norms applicable to SCBs / DCCBs. accordingly, refinance available to licensed SCBs
(scheduled / non-scheduled) / licensed DCCBs complying with CRAR of 7% and above as on
31.03.2016.
- In case of SCBs with CRAR of 7% and above but individual DCCBs with CRAR less than 7%, no credit
limit available on behalf of such DCCBs.
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55TH ANNUAL REPORT
- SCBs with CRAR less than 7% not eligible for fresh refinance.
- In case of SCBs with CRAR less than 7% but individual DCCBs with CRAR of 7% and above, credit limit
sanctioned directly to the DCCBs against Government guarantee or against pledge of Government /
approved securities / FDRs of scheduled banks.
- Detailed guidelines for providing refinance directly to the DCCBs already issued vide our Circular
No. 172 dated 09.09.2011.
- The audit of SCBs and DCCBs for the year ending 31.03.2017 should be completed and the relevant
report submitted to the concerned RO of NABARD by 30.09.2017.
- Drawals after 01.10.2017 permitted only to such SCBs and DCCBs which had completed the audit
for 2016-17 and submitted the relevant report to the concerned RO of NABARD.
• Details of Quantum of Refinance under NABARD ST (SAO) Policy for the year 2017-18 are given
below:
Net NPAs of SCBs Eligible limit (as a percentage of Realistic

Lending Programme (RLP) of eligible
DCCBs)
Normal ‘Quantum of Refinance
- Up to 6% - 40%
- Above 6% and up to 10% - 35%
- About 10% and up to 20% - 30%
- above 20% - not eligible
Additional Refinance of 20% with Relaxation in Net NPAs*

- Up to 15% - 60%
- Above 15% and up to 25% - 55%
- About 25% - not eligible
*SCBs in the North -Eastern Region, Jammu & Kashmir, Sikkim, Himachal Pradesh,
Uttarakhand and Andaman & Nicobar islands were eligible for additional refinance of
20% with relaxation in net NPAs
Additional Refinance of 5% over and above the Applicable Normal Quantum
of Refinance**
- Up to 6% - 45%
- Above 6% and up to 10% - 40%
- About 10% and up to 20% - 35%
- Above 20% - not eligible
**SCBs in the Eastern Region viz.. Bihar, Orissa, West Bengal, Chhattisgarh states and
28 districts in Eastern Uttar Pradesh (under BGREI scheme of Government of India)
were eligible for additional refinance of 5% over and above the applicab le normal
quantum of refinance.
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NAFSCOB
• Non-scheduled SCBs which fulfill the CRAR criteria as mentioned above, were eligible for sanction
of credit limits against Government guarantee under Sec. 21 (3)(a) of NABARD Act,1981 or pledge
of Government / approved securities under See. 21(2)(i) of Act ibid and / or pledge of FDRs of
scheduled commercial banks under Sec. 33 of Act ibid.
• NABARD sanctioned separate sub-limits for 2016-17 under ST (SAO) credit limits for financing:
- cultivation of other crops (OC),
- cultivation of oilseeds under National Mission on Oilseeds and Oil Palm (NMOOP - Oilseeds) in the
identified districts,
- cultivation of pulses under National Food Security Mission Pulses (NFSM - Pulses) in the identified
districts and
- production credit requirements of tribals under Development of Tribal Population (DTP).
Accordingly, the consolidated limit sanctioned to SCB segregated into sub-limits for SAO-OC, SAO-
NMOOP, SAO-NFSM (Pulses) and SAO-DTP on the basis of DCCB-wise Realistic Lending Program for
respective purposes.
• The rate of interest on NABARD refinance to SCBs were 4.5%, subject to revision, if any by
Government of India, if the short term cooperative credit structure in the State together with their
own involvement provide crop loan up to Rs.3 lakhs per borrower/farmer at 7% interest or less.
• Drawals on the sanctioned limit permitted by NABARD to SCBs on the basis of aggregate NODC
(available under all sub–limits) pertaining to the eligible DCCBs which had outstanding borrowings
form SCBs as hitherto. The banks however be required to monitor NODC sub-limit wise but in case
of shortfull in NODC in any sub-limit, no additional interest charged if overall NODC was available.
The SCBs to submit monthly NODC statement indicating CCB-wise position by 20th of the
succeeding month.
• In case of deficit of NODC, SCB had to make good the deficit of NODC. In case the SCB fails to make
good the deficit within one month from the date of occurrence of such deficit, additional interest
@1% p.a. charged on the deficit of NODC for the duration of deficit i.e. till the date on which the
amount of deficit regularised.
• In the event of default in repayment of principal and/or payment of interest to NABARD, the SCBs
were liable to pay an interest on amount of default @10.25% p.a. for the period for which the
default persisted.
• With a view to avoid diversion of funds, misutilization of interest subvention/crop loan and to
ensure proper end use of funds, Banks had been advised to follow the instructions contained in our
Circular No. 175 / DOR-47 / 2015 dated 20 August 2015 which should be complied with.
In this regard, NABARD Regional Offices (ROs) separately communicated SCBs about the refinance
allocation to each SCB for financing ST-SAO for the financial year 2017-18. Therefore, the NABARD
requested all SCBs to submit their applications for sanction of consolidated credit limit on behalf of
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55TH ANNUAL REPORT
all the eligible DCCBs along with, the first drawal, in the prescribed proforma to respective
NABARD Regional Office (RO). Also, the NABARD requested all SCBs to furnish the undertaking as
per Annexure II of the NABARD Circular No.164 / DOR -34 / 2017 dated 05 July, 2017.
Furthermore, the NABARD advised all SCBs to communicate to the affiliated DCCBs to ensure
implementation of KCC scheme by issuance of Rupay Card to the borrowing members.
7.6. Long-term refinance for investment credit for agriculture under Long Term Rural Credit Fund (LTRCF)
2017-18:
The salient features of the scheme and important terms and conditions of providing refinance are as under:
i. Eligible institutions:
All SCBs which were eligible to avail refinance facilities from NABARD eligible for refinance under
this line of credit, subject to their satisfying the eligibility criteria for refinance as may be
stipulated by NABARD from time to time.
ii. Eligibility criteria:

The eligibility criteria was applicable as specified in policy guidelines on refinance enumerated in
NABARD’s Circular No. 72 / DOR –09 / 20l7 dated 31 March 20l7.
iii. Activities covered:

All eligible investment activities under agriculture sector (excluding Self Help Groups as they are
covered under National Rural Livelihood Mission (NRLM) / Interest Subvention Scheme) were
covered under this scheme.
iv. Extent of refinance:

The extent of refinance for the States in North Eastern Region (Assam, Arunachal Pradesh, Manipur,
Meghalaya, Mizoram, Nagaland, Tripura and Sikkim), Hilly Region (Jammu & Kashmir, Himachal
Pradesh, Uttarakhand), Eastern Region (West Bengal, Odisha, Bihar, Jharkhand and Andaman &
Nicobar Islands), Lakshadweep and Chhattisgarh were l00% of eligible bank loans for all purposes.
For other regions the extent of refinance were:
(a) 100% for all thrust areas (as indicated in NABARD’s refinance policy)
(b) 95% for all other diversified purposes.
v. Automatic Refinance Facility:

Automatic Refinance Facility was extended without any upper ceiling of refinance quantum, bank
loan or Total Financial Outlay for all projects under agriculture sector. In case, any bank intends to
avail refinance under pre-sanction procedure, they may submit projects to NABARD.
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NAFSCOB
vi. Interest rate:
a. Loans to borrowers:
The rate of interest on loans to ultimate borrowers was as per RBI guidelines. Banks may
however extend loans to farmers at a concessional rate of interest as compared to their
normal lending for agricultural activities.
b. Refinance from NABARD:

The interest rate on refinance from NABARD was 4.90% p.a. (with half-yearly rests),
subject to revision from NABARD from time to time. Banks may pass on the benefit to the
ultimate borrower.
c. Penal interest:
In the event of default, penal interest rate at 2% over and above the interest rate at which
refinance was disbursed, were charged on the defaulted amount and for the period of
default.
vii. Repayment period:

The repayment period for refinance was 5 years to be repaid on half-yearly basis on 31 January and
31 July every year. Interest payment was on half-yearly basis on 0l February and 0l August every
year.
viii. Maintenance of records:

Refinance extended under the LTRC Fund had to be accounted for separately and necessary records
should be maintained for the purpose. The banks had to provide all information like average
amount of loan, interest rate charged, processing fee charged etc. as and when\ called for by
NABARD.
7.7. Promotional Scheme for BHIM Aadhaar by NABARD:
Government of India had launched a new scheme called BHIM Aadhaar Pay for enabling Aadhaar based
biometric transactions at merchant locations. The new scheme supersedes the existing scheme of “Pilot
Project to incentivize Aadhaar Based Biometric Transaction through Financial Inclusion Fund” announced
vide NABARD Circular No.292 dated 19 December 2016.
Considering the new developments in the ecosystem, the NABARD had decided to incentivize, Aadhaar
based biometric transactions at merchant locations.
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55TH ANNUAL REPORT
The scheme was known as “Promotional Scheme of BHIM Aadhaar”. The scheme was applicable for
following types of Aadhaar based biometric transactions at merchant locations (purely merchant
transaction only):
a. PoS/mPOS/any other device
b. BHIM Aadhaar Pay
• Eligible Institutions:
All merchant acquiring banks allowing Aadhaar Based Biometric Transactions were eligible for
support under the scheme.
7.8. Status of Information System (IS) Audit in SCBs/DCCBs:
Board of Supervision (for SCBs, DCCBs and RRBs) had observed that though the banks have migrated to Core
Banking Solution (CBS) platform/in the process thereof from the legacy system, many banks have not
undertaken even the migration audit. Therefore, the NABARD had decided to advise Cooperative Banks to
complete both Migration Audit and IS Audit in a time-bound manner. Further, the NABARD had also decided
to advise Cooperative Banks to place NABARD Circular dated 24 May 2017 before the Board of Directors and
Audit Committee of the bank and to ensure that (i) the bank has a Board approved IS Audit policy and (ii)
migration audit and IS Audit of the bank by a qualified firm completed by 31 August 2017.
7.9. NABARD support under FIF for deployment of PoS machines in Tier 5 and Tier 6 centres under CAPEX
and OPEX models:
NABARD advised that the banks deploying PoS/mPoS devices under third party model and the respective
merchant acquiring banks, may ensure that there is no duplication of claims. Deployment of PoS/mPoS for
Cooperative Banks were governed by RBI Circular dated 28-04-2017. Further, NABARD advised all banks
including SCBs and DCCBs to furnish the village wise details regarding deployment of PoS/mPoS devices.
7.10. Clarification about Risk Weights for calculation of Capital to Risk (Weighted) Assets Ratio (CRAR):
Many banks had sought clarification from NABARD whether netting of PACS deposits from the loans
outstanding against PACS by SCBs in two tier structure and DCCBs in three tier structure would be in order.
The issue was reviewed by NABARD in consultation with the RBI. Accordingly, NABARD vide its Circular
dated 23 June 2017 communicated clarification that SCBs in two tier structure/DCCBs in three tier
structure may extend the benefit of netting off credit balances in current or other accounts of PACS which
are not earmarked for specific purposes and free from any lien while calculating the Risk Weighted Assets.
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NAFSCOB
7.11. Support available for demonstration of banking technology through mobile van under FIF:
To promote digital financial literacy, the NABARD had decided to support the demonstration of banking
technology through mobile van under FIF.
ØBroad objectives of the scheme

i. Spreading Financial Literacy
Ii. Demonstration of various digital banking technologies for Digital Financial Literacy
iii. To sensitize and enable merchants and end customers to use digital payment system.
iv. To create awareness among the users about the precautions and safety measures while
using different banking technologies.
v. Demonstration of micro ATM, ATM, POS, RuPay card transaction etc.
ØInstitutions eligible for support

i. CBS enabled Regional Rural Banks and rural Cooperative Banks
ii. The Banks should be on NFS and should have or be in the process of implementing various
Banking Technologies.
ØExtent of Support
i. Support of up to a maximum cap of Rs.15 lakh per demo mobile van. However the extent of
support was limited to actual capital expenditure incurred by the bank.
ii. The support to the RRBs and the rural Cooperative Banks for one mobile van were as under:
Sl. No. Bank Extent of Support

1 RRBs 80% of the total expenditure or Rs.15 lakh each
whichever is lower
2 Rural Cooperative 90% of the total expenditure or Rs.15 lakh each
Banks whichever is lower
100% support for both RRBs & rura l Cooperative Banks for North Eastern Region,
Sikkim, Jammu & Kashmir, Uttarakhand, Jharkhand, Himachal Pradesh,
Chhattisgarh and Andaman & Nicobar Islands.
7.12. Guidelines on the NABARD Refinance Policy for the year 2017-18 for relief measures to farmers
affected by natural calamities - Conversion of ST (SAO) loans into medium term loans:
The policy had since been reviewed by the NABARD and it has been decided to continue broadly with the
same policy for the financial year 2017-18.
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55TH ANNUAL REPORT
Main features of the scheme are as follows:
i. The eligibility of Cooperative Banks is linked to compliance with the CRAR norms. The refinance for
conversion of ST (SAO) loans into medium term loans available to all licensed SCBs/DCCBs fulfilling
the CRAR conditions mentioned below:
a. Only such SCBs having CRAR of 7% and above, on behalf of DCCBs with CRAR of 7% and above
(as on 31-03-2016),
b. In case of SCBs with CRAR more than 7%, but individual DCCBs with CRAR less than 7% as on
31-03-2016 no refinance available on behalf of such DCCBs.
ii. The rate of interest on refinance for MT conversion/rephasement/reschedulement of loans for

financial year 2017-18 was as decided by NABARD from time to time. The present rate of interest is
300 basis points less than that charged by Banks to ultimate beneficiaries subject to a minimum
interest rate of 8.20% p.a. and subject to the Banks following guidelines prescribed by RBI, in this
regard.
iii. Other terms and conditions remain unchanged.
7.13. Sanction of ST (SAO) Credit Limits :

The aggregate credit limits sanctioned for financing ST(SAO) by NABARD to SCBs on behalf of DCCBs from
April 1, 2017 to March 31, 2018 stood at ? 48325 Crore and the maximum outstanding for the said period was
? 48267 Crore. The state-wise sanction and maximum outstanding of Short Term Credit Limits for ST (SAO),
ST (Weavers) and Medium Term (MT) (Conversion) during the year 2017-18 is given in Appendix - 4.
7.14. NABARD Policy for the year 2017-18 on Sanction of term loans to State Governments under Section 27
of NABARD Act, 1981 for contribution to the share capital of cooperative credit institutions:
The few highlights of the NABARD policy on Sanction of term loans to State Governments under Section 27
of NABARD Act, 1981 for contribution to the share capital of cooperative credit institutions for the year
2017-18 are given as below:
ØThe NABARD policy for the year 2017-18 was on the lines of policy circular No.135 dated 14 June
2016 for the year 2016-17.
ØThe operative period of assistance was from 01 April 2017 to 31 March 2018 and covered
disbursements made by the State Govt. towards share capital contributions during the year 2017-
18.
ØThe credit facility from NABARD to the State Govt. available at 8.5% per annum or such other rate
as prescribed by NABARD from time to time.
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NAFSCOB
7.15. Asset Classification & Provisioning for Food Credit Advances to State Government/Union Territories:
NABARD vide its Circular dated 21 June 2017 communicated all SCBs participating in food credit consortium
about advise of RBI in respect of provisioning to be made by SCBs for food credit advances to Govt. of
Punjab. As per advise of RBI, SCBs had to make 10 per cent of provision instead of 15 Per cent for
outstanding food credit amount to Govt. of Punjab as on that date. NABARD advised all SCBs participating
in food credit consortium to strictly adhere to the revised instructions, further, NABARD suggested SCBs to
furnish the details of outstanding food credit amount to Govt. of Punjab, the provision required and
provision made to Regional Office of NABARD under endorsement to NABARD H.O.
7.16. Revision in the norms for Supervisory Ratings of SCBs/DCCBs:
The Board of Supervision of NABARD (for SCBs/DCCBs and RRBs), while reviewing the latest CRAR position of
SCBs/DCCBs in its 65th meeting on 16 March 2017, has advised that banks not complying with the minimum
CRAR as prescribed by the RBI from time to time (9% at present) may not be rated 'A', 'B+' or 'B', even if they
obtain 50 or above rating marks in the composite rating based on CAMELSC. The revised instructions were
applicable for all statutory inspections of SCBs/DCCBs with reference to their financial position as on 31
March 2017 and onwards.
7.17. Continuation of Interest Subvention Scheme for Short Term Crop Loans on interim basis during the year
2017-18.
Accordingly, the NABARD advised the SCBs as below:

I. Interest Subvention of 2% p.a. to SCBs on their own funds used for short term crop loans upto
Rs.3.00 lakhs per farmer were available provided the lending institutions make available short
term credit at the ground level @ 7% p.a. to farmers. 2% Interest subvention calculated on the crop
loan amount from the date of its disbursement/drawal upto the date of actual repayment of the
crop loan by the farmer or upto the due date of the loan fixed by the Banks, whichever was earlier,
subject to a maximum period of one year.
ii. An additional interest subvention @ 3% available to the prompt payee farmers from the date of
disbursement of the crop loan upto the actual date of repayment by farmers or upto the due date
fixed by the Bank for repayment of crop loan, whichever was earlier, subject to a maximum period
of one year from the date of disbursement. This also implies that the prompt payee farmers would
get short term crop loans @ 4% p.a. during the year 2017-18. This benefit would not accrue to those
farmers who repay after one year of availing such loans.
iii. NABARD provided concessional refinance to SCBs at interest rates of 4.5% p.a. provided these
lending institutions lend such loans upto Rs.3.00 lakh @ 7% p.a. to the farmers.
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55TH ANNUAL REPORT
iv. In order to discourage distress sale by farmers and to encourage them to store their produce in
warehouses against warehouse receipts, the benefit of interest subvention was available to small
and marginal farmers having Kisan Credit Card for a period of upto 06 months post-harvest on the
same rate as available to crop loan.
v. To provide relief to farmers affected by natural calamities, the interest subvention of 2% continued
to be available to Banks for the first year on the restructured amount. Such restructured loans may
attract normal rate of interest from the second year onwards as per the policy laid down by the RBI.
7.18. Implementation of Direct Benefit Transfer (DBT) in the Government sponsored Crop Insurance
Schemes:
All the farmers availing crop insurance under any of the Crop Insurance Schemes
administered/implemented by the Department of Agriculture, Cooperation and Farmer's Welfare were
required to undergo Aadhaar authentication or furnish proof of possession of Aadhaar from Kharif 2017.
Hence, the NABARD vide their Circular dated 09 May 2017 had requested all SCBs to persuade the farmers
those who availing SAO loans/Kisan Credit Card (KCC) from the financial institutions including Cooperative
Banks and RRBs for the notified crops(s) in notified areas are compulsorily covered under Pradhan Mantri
Fasal Bima Yojana (PMFBY), Restructured Weather Based Crop Insurance Scheme (RWBCIS) and Unified
Package Insurance Scheme (UPIS) to undergo Aadhaar authentication or to furnish proof of possession of
Aadhaar at the time of sanction/ renewal/ disbursement/ inspection of aforesaid loan or on visit of such
farmers at the concerned branches of SCBs.
7.19. Relaxation of eligibility criteria for availing support under FIF of NABARD to licensed Rural Cooperative
Banks for implementation of CBS:
In a revision, the NABARD had decided to revise the eligibility criteria for availing support under FIF to
licensed Rural Cooperative Banks for CBS implementation. The modified eligibility criteria were:
i. Banks should have a minimum “CRAR of 7% as on 31 March 2016 and maintain the same on an
ongoing basis and reach 9% as at the end of 31 March 2017”.
ii. All other conditions of eligibility indicated in the circular ibid remain the same.
iii. Support under the scheme was available upto 30 June 2017. Eligible Banks may submit their
application at the earliest in the prescribed format [Annexure 1 for claim format support under FIF
for implementation of Core Banking solution to rural Cooperative Banks- (for banks which have not
received any grant support from any agency) and Annexure 2 for claim format support under FIF for
24
NAFSCOB
implementation of Core Banking solution to rural Cooperative Banks- (for banks which have
received grant support from State Government/any other Institution)] as per Annexure 1 or 2 of the
NABARD Circular No. 114 / DFIBT- 26 /2017 dated 11 May 2017.
iv. Banks should consider creating a Technology Adoption Fund out of the amount received.
7.20. Support under FIF of NABARD for purchase of hand held projector and portable speaker to facilitate
Financial Literacy efforts by Financial Literacy Centres (FLCs) and rural branches:
The modalities of the NABARD support under FIF for purchase of hand held projector and portable speakers
to facilitate Financial Literacy efforts by FLCs and rural branches were:
a. Items for which support was available on a reimbursement basis under FIF were :
i) purchase of hand held projector
ii) purchase of portable speaker
b. Extent of support under FIF was restricted to 50% of the cost incurred on purchase of hand held
projector and portable speaker (both put together) subject to a maximum of Rs.5,000 per rural
branch / FLC on a reimbursement basis.
c. Eligible Institutions – Commercial Banks, Regional Rural Banks and Rural Cooperative Banks were
eligible to avail support under the scheme on behalf of their rural branches and FLCs.
7.21. Grant Assistance under FIF for conduct of Financial Literacy Programmes for “Going Digital”:
NABARD advised Banks that the Advisory Board of FIF had decided, in their 20th meeting, to support “Going
Digital” camps as indicated by RBI with the following modifications:
vQuantum of Assistance
The revised ceiling for assistance under FIF would be as under:
Sr. Agency Maximum grant assistance under FIF
No.
1 Commercial Banks 60% of the expenditure incurred or ? 5,000/ - per
programme whichever is less
2 Regional Rural Banks 80% of the expenditure incurred or ? 5,000/ - per
programme whichever is less
3 State Cooperative Banks / District 90% of the expenditure incurred or ? 5,000/ - per
Central Cooperative Banks programme whichever is less
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55TH ANNUAL REPORT
7.22. Compliance of the provision of the Aadhaar Act, 2016 and Information Technology Act, 2000:
NABARD advised all SCBs and DCCBs about Ministry of Electronics and Information Technology (MEITY) and
Unique Identification Authority of India (UIDAI) guidelines and a list of do’s and dont’s regarding usage of
Aadhaar.
7.23. Salient features of Interest Subvention Scheme for short term crop loans during the year 2017-18:
NABARD vide its Circular dated 31-07-2017 communicated all SCBs about continuation of interest
subvention scheme during the year 2017-18 on the terms and conditions approved for the scheme for 2016-
17, some guidelines are given as below:
i. Government of India provide interest subvention @ 2% p.a. to State Cooperative Banks on their own
funds involved (excluding NABARD refinance) in respect of short term production credit (crop loans)
provided by them to farmers up to Rs.3.00 lakh per farmer.
ii. This subvention available to SCBs on the condition that they make available short term production
credit up to ? 3.00 lakh at ground level at 7% p.a.
iii. The banks submit their claims on half yearly basis (as on 30 September 2017 and 31 March 2018) or on
annual basis (Annexure-I).
iv. Prompt paying farmers – 3% interest subvention as an incentive to farmers by GoI
v. Interest Subvention to Small and Marginal Farmers against Negotiable Warehouse Receipt.
vi. Interest Subvention for First Year on Crop Loans converted due to Natural Calamities.
Further, NABARD vide its Circular dated 16-01-2018 communicated to all SCBs about revision in the
formats of Interest Subvention Scheme so as to capture the category-wise bifurcation of no. of
accounts (beneficiaries) and IS amount released to beneficiaries as per the requirement of
Department of Agriculture and Farmers Welfare, Ministry of Agriculture and Farmers Welfare, GoI.
7.24. Master Circular on KCC scheme brought out by NABARD:
NABARD issued a Master Circular which consolidates the relevant guidelines issued by NABARD on KCC
Scheme upto 30 June 2017. The KCC scheme was introduced in 1998 for issue of Kisan Credit Cards to
farmers on the basis of their holdings for uniform adoption by the banks so that farmers may use them to
26
NAFSCOB
readily purchase agriculture inputs such as seeds, fertilizers, pesticides etc. and draw cash for their
production needs. The scheme was further extended for the investment credit requirement of farmers viz.
allied and nonfarm activities in the year 2004. The scheme was further revisited in 20l2 by a working Group
under the Chairmanship of Shri T. M. Bhasin, CMD, Indian Bank with a view to simplify the scheme and
facilitate issue of Electronic Kisan Credit Cards. The scheme provides broad guidelines to banks for
operationalizing the KCC scheme. Implementing banks have the discretion to adopt the same to suit
institution/location specific requirements.
7.25. Modified guidelines for Classification, Reporting and Monitoring of frauds issued by NABARD.
Since increased adoption of technology, growth in business, diversification of activities and rise in the
incidence of high value frauds, it has necessitated modification of the guidelines. Detailed guidelines have
been designed by NABARD in consultation with the RBI. The ‘Guidelines for Classification, Reporting and
Monitoring of Frauds’ include mainly:
Øclassification of fraud, reporting of frauds to NABARD ( i. Frauds involving amounts of less than
Rs.1 lakh and ii. Frauds involving amounts of ? 1 lakh and above (DoS-FMS-1),
Øquarterly returns (i. Report on frauds outstanding (DoS-FMS-2) and ii. Progress report on frauds
(DoS-FMS-3),
Ødelays in reporting of frauds, reports to the board (a. Reporting of frauds, b. Quarterly review of
frauds, c. Annual review of frauds and d. Special Committee),
Øcases of attempted fraud,
Øclosure of frauds cases,
Øguidelines for reporting of frauds to Law enforcing agencies i.e. Police, Cheque related frauds,
precautions to be taken and reporting to NABARD and the Police,
ØLoan frauds – new framework (a). Loan frauds – new framework, (b). Objectives of the framework,
(c). Early warning signals (EWS) and red flagged accounts (RFA), (d). Early detection and reporting,
(e). Staff empowerment, (f). Role of auditors, (g). Provisioning, (h). Bank as a sole lender, (i).
Lending under Consortium or Multiple Banking Arrangements, (j). Staff accountability for frauds,
(k). Filing complaints with Law enforcement agencies, (l). Penal measures for fraudulent
borrowers.
Øreporting cases of theft, burglary, dacoity and bank robberies (DoS-FMS-4/4a) and legal audit of
title documents in respect of large value loan accounts.
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55TH ANNUAL REPORT
7.26. Support for Authentication User Agency (AUA)/e-KYC User Agency (KUA) Membership under Financial
Inclusion FIF by NABARD:
NABARD vide its Circular dated 6 December 2017 announced the Scheme “Support for AUA/KUA
Membership”. The objective of the scheme is to provide the AUA/KUA services to the bank customers,
specially in rural areas. Under this Scheme banks have access to AUA/KUA facility and also provide an
additional facility of Aadhaar Enabled Payment System (AEPS) transactions at Micro ATMs deployed by these
banks, thus allowing online interoperable financial transactions using Aadhaar Authentication and
increasing digital transactions, especially in the rural areas.
7.27. NRLM Interest Subvention Scheme-Refinance Policy for Schematic lending 2017-18 issued by NABARD:
NABARD vide its Circular dated 15 December 2017 communicated scheme of concessional refinance to SCBs
against the loans extended by them to all women SHGs in 250 districts identified under NRLM
operationalized by the Ministry of Rural Development, Gol. The rate of interest on refinance under the
scheme was 4.50% p. a. subject to the condition that the SCB lend to all women SHGs up to ? 3.00 lakh per
SHG, at an interest rate of 7.00% p. a. in identified 250 districts.
7.28. Grant Assistance for conduct of Financial Literacy Camps in Unbanked Rural Centres (URCs):
NABARD vide its Circular dated 15-12-2017 communicated all banks about the grant assistance to organize
at least one special camp on Going Digital in all the Unbanked Rural Centres (URCs) in banks’ jurisdiction
not yet covered by such camps as on date. NABARD in their Circular mentioned to ensure all the URCs
covered in this manner by 15th February 2018. The camps were organised in consultation with SLBC to avoid
duplication of efforts.
7.29. Support for Deployment of Mobile Signal Booster in Sub Service Areas (SSAs) – Support under FIF:
NABARD vide Circular dated 19 December 2017 announced support for deployment of Mobile Signal Booster
in SSAs. The mobile booster expected to amplify the signal strength in areas with intermittent connectivity,
low signal strength and allow banking services. The support available to deploy boosters only in the grey
areas where V-SATs have been sanctioned by NABARD.
7.30. Financial Inclusion Fund: Review of Schemes – Extension of Support Period:
On review of the existing support for technology adoption under Financial Inclusion Fund (FIF), NABARD
vide its Circular dated 26-03-2018 communicated the extension of the time line of the schemes as detailed
below:
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NAFSCOB
Sr. Scheme/ Item for Revised Last date for Reference
support Sanction Claim Circular No. and Date
1. Pacs data Migration Fresh Sanction 30 June 2018 263/DFIBT-
closed 47/2017 dated 20
November 2017
2. ATM Add-on support for 30 June 2018 30 June 2021 263/DFIBT
CBS 47/2017 dated 20
November 2017
3. Central KYC Records 30 June 2018 30 September 263/ DFIBT-
Registry 2018 47/2017 dated 20
November 2017
4. AUA /KUA Membership 30 June 2018 30 September 03/DFIBT - 01/2018
2018 dated 03 January
2018
7.31. Compliance of Board of Supervision (BoS) guidance issued by NABARD regarding member Awareness
Creation as a means of Effective Governance Mechanism:
NABARD vide its letter dated 02 February 2018 written to Managing Director, NAFSCOB, communicated that
NAFSCOB and NCUI also ought to take a lead role in guiding Cooperative Credit Institutions to conduct
member education programmes. In this regard NABARD also mentioned broad topics/areas that need to be
covered in the Member Awareness Programmes (MAPs) and requested Cooperative Banks to make changes
taking into account the respective Cooperative Societies Acts. Further, NABARD requested NAFSCOB to
communicate the same to all concerned in the Short Term Cooperative Credit Structure (STCCS).
Accordingly, a copy of the same is forwarded to all member SCBs by Email on 03-02-2018 to take necessary
action.
7.32. Instructions for submission of ALM Returns at quarterly intervals through ENSURE Portal:
Risk assessment has become an integral part of the evaluation of a bank’s performance. In view of this,
NABARD vide its Circular dated 9-03-2018 decided that in addition to the existing set of supervisory returns,
banks may submit the two ALM returns viz., Statement of Structural Liquidity (SSL) and Statement of
Interest Rate Sensitivity (SIRS) at quarterly intervals through ENSURE Portal starting from the quarter
March 2018 onwards.
7.33. Advise to generate ‘Performance Assessment Report’ (PAR) from Ensure Portal on submission of Off-
Site Surveillance (OSS) Returns:
NABARD vide its Circular dated 09-03-2018 communicated all SCBs and DCCBs that in order to provide
feedback to banks in a timely manner, henceforth the PAR need to be sent by e-mail directly from ENSURE
Portal to both the CEO and his Secretariat on the next day of submission of all OSS returns for each period.
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55TH ANNUAL REPORT
7.34. Risk Weights for calculation of CRAR:
NABARD vide its Circular dated 16-03-2018 advised all SCBs and DCCBs that, while reviewing the Inspection
Reports of SCBs / DCCBs, it had been observed that contrary to the RBI guidelines, some banks show the
amounts under the interest subvention claims under the head "Other Assets – Accrued Interest on CRR
balances and claims on RBI on account of Govt. transactions,, and assign "zero risk weight" to them while
calculating the CRAR. Therefore, NABARD advised all banks to take note of the RBI observation in the
matter and ensure that the bank may assign proper risk weights and strictly adhering to the CRAR guidelines
prescribed by RBI.
7.35. Direct Benefit Transfer through Public Financial Management System (PFMS) – Universal Roll-out of
PFMS:
Post migration to CBS, most of the cooperative banks have on-boarded to DBT through the Aadhaar Payment
Bridge System (APBS) of NPCI. Cooperative Banks are a very essential part of the rural financial ecosystem.
Therefore, NABARD vide its Circular dated 28-02-2018 communicated all SCBs and DCCBs about the
requirement of on-board the PFMS platform so that they are in a position to facilitate their customers to
receive grant/support/subsidy for Central/State Sector Schemes which run on DBT through PFMS. Hence,
NABARD advised all SCBs and DCCBs to on-board to PFMS platform immediately and keep NABARD regional
Offices informed of the progress in this regard.
7.36. Consultations by NABARD:
a) National Review Meet of Cooperative Banks for the year 2017-18 organised by NABARD on 10
July 2017 at New Delhi to review the performance of Cooperative Banks as on 31 March 2017:
NABARD convened a ‘National Review Meet of Cooperative Banks for the year 2017-18 organised by
NABARD on 10 July 2017 at New Delhi to review the performance of Cooperative Banks as on 31
March 2017. The Chairman and the Managing Director of NAFSCOB were invited to participate in
the said meeting. The Managing Director, NAFSCOB attended the review meet.
b) Seminar organised by NABARD on the eve of NABARD’s 36th Foundation Day to Commemorate
25 years of Self Help Group movement on 11 July 2017 at New Delhi:
NABARD organised the Seminar to commemorate 25 years of Self Help Group (SHG) movement on
11 July 2017 at Vigyan Bhawan, New Delhi to commemorate its 36th Foundation Day.
Shri B. Subrahmanyam, Managing Director, NAFSCOB participated in the seminar organised by
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NAFSCOB
NABARD on 11th July 2017. During the Seminar, a kaleidoscopic journey of 25 glorious years of SHG
movement was discussed. Further, in the seminar (i) SHG ‘Memoir’ book was unveiled, (ii) Status of
Micro Finance in India 2016-17 was released, (ii) Key contributors, policy/practitioners/SHG
leaders were felicitated by Hon’ble Union Finance Minister. The Seminar was inaugurated by Shri
Arun Jaitley, Hon’ble Union Finance Minister. The participants of the Seminar were senior officials
of key Ministries of Govt. of India, State Governments, Reserve Bank of India, Commercial Banks,
Cooperative Banks, Regional Rural Banks, eminent academicians, scientists from agricultural
research institutes and universities, developmental agencies, NGOs and industry leaders in the
area of agriculture.
c) Report of the Committee for Assessment of Human Resources of STCCS in the Post CBS
Environment prepared by NABARD:
NAFSCOB vide its letter No. D.O./NAFSCOB/W-42(i)/2016-17/039 dated 28-04-2016 requested

Chairman of NABARD kindly to take necessary initiatives to constitute a Working Group to facilitate
formulation of comprehensive Human Resource Development Policy and related guidelines for
both SCBs and DCCBs.
NABARD in July 2016 had constituted a ‘Committee for Assessment of Human Resources of STCCS in
the Post CBS Environment” under the Chairmanship of Shri R. Amalorpavanathan, Deputy Managing
Director, NABARD. The committee submitted its final report on 10-10-2017.
· Composition of the Committee:

1 Shri R Amalorpavanathan, Deputy Managing Director, NABARD Chairman
2 Shri Kishan Singh Atoria, IAS, Principal Secretary Cooperation, Member

Government of Uttar Pradesh
3 Shri S S Sandhu, IAS, Additional Chief Secretary, Cooperation, Member
Government of Maharashtra
4 Shri K Ravinder Rao, President, Telangana State Cooperative Member
Bank
5 Shri Pradip Vora, Chief Executive Officer, Gujarat State Member
Cooperative Bank
6 Shri V D Godara, Managing Director, Ra jasthan State Member
Cooperative Bank
7 Shri T K Panda, Managing Director, Odisha State Cooperative Bank Member
8 Shri Pradeep Naik, Chief Executive Officer, Raigad CCB, Member
Maharashtra
9 Dr U S Saha, Chief General Manager, Institutional Member
Development Department, NABARD Secretary
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55TH ANNUAL REPORT
Subsequently, following two additional members were co-opted by the committee.
i. Dr. N Muralidhar, Managing Director, Telangana State Cooperative Bank
ii. Additional Registrar of Cooperative Societies, Government of Uttar Pradesh
• Terms of Reference:
i. To review the present status of Human Resources in State Cooperative Banks (SCBs) and District
Central Cooperative Banks (DCCBs).
ii. To study Human resource requirement in the post CBS scenario with special reference to adoption
of CBS & Information Technology (IT) products by cooperative banks with new business and also the
regulatory framework.
iii. To study and recommend a preferred organization structure in SCB and DCCB.
iv. To assess manpower and skill requirement under various categories of staff for professionalization.
v. To examine capacity building and training strategy for the staff of cooperative banks.
vi. To make appropriate recommendations for Human Resource Development.
vii. Any other aspect as the Committee may deem appropriate.
7.37. ‘Cooperative Development Fund’ (CDF):
In pursuance with the recommendations of the ‘Parliamentary Committee on Agriculture’, ‘CDF’ was
constituted by NABARD in the year 1992-93 under the provisions of Section 45 of NABARD Act, 1981 with a
view to strengthening and providing assistance to Co-operative Credit Institutions for improving their
infrastructural facilities.
The cumulative assistance sanctioned to cooperative institutions i.e. SCBs & Agriculture and Rural
Development Banks (ARDBs) from the Fund for various purposes upto 31 March 2018 amounted to ? 24 crore
against which ? 18.84 crore has been disbursed.
The purpose-wise actual sanction and disbursal of assistance under CDF to State Cooperative Banks as
on 31st March, 2018 is as follows:
(Rs. in lakhs)
Sr. Purpose Sanctioned Disbursed Disbursal to
No. Sanction (%)
1 Infrastructure (PACS) 126.11 99.67 79.03
2 Exposure Visits 137.06 90.82 66.26
3 Conference/Seminar/Meeting 48.79 21.05 43.14
4 ODI 59.98 31.58 52.65
5 Workshop (DOS & IDD) 11.62 2.39 20.57
6 SOFTCOB (CTIs) 1054.96 994.36 94.26
7 PDC 173.03 145.15 83.89
8 CBS & DCBS - L1 Help Desk 223.10 203.43 91.18
9 Training by Coop. Banks 298.46 155.60 52.13
(StCB/CCBs)
10 Others 266.89 139.87 52.14
Total 2400.00 1883.92 78.50
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NAFSCOB
The balance of sanctioned funds under CDF are mainly for the ARDBs for the above purposes as well as
reimbursement of costs to Agricultural Cooperative Staff Training Institutes (ACSTIs) & JLTCs, trained
programme conducted by national level institutions such as National Centre for Management Development
in Agriculture and Rural Development Banking (NCMDARDB), Vaikunth Mehta National Institute of
Cooperative Management (VAMNICOM) & Administrative Staff College of India (ASCI), conduct of
studies/seminars, best performance awards, cooperative awareness programme, organisational
development initiatives, KCC, co-operators meet and seminars etc.
The purpose-wise disbursement of CDF assistance to the cooperative credit institutions etc. as on March 31,
2018 is presented as Appendix 5.
7.38. Kisan Credit Card (KCC) Scheme:
KCC scheme was formulated by NABARD at the instance of Government of India in August 1998. As per the
data made available by NABARD, as at the end of March 2018, the Cooperative Banks, the Regional Rural
Banks collectively issued a total of 4,56,88,100 KCCs since inception of the scheme against which a sum of
? 2,37,848.70 Crores loans was sanctioned till date. During the year 2017-18 the total number KCC issued by
the Cooperative Banks, Regional Rural Banks was 28,96,012 and the amount sanctioned during the said
period was ? 24,011.60 Crore. In the total KCCs issued since inception Cooperative Banks issued 33494661
KCCs as against 12193439 KCCs by RRBs.
During the period under review, the Cooperative Banks issued a total number of 1329512 KCCs and the RRBs
issued 1566500 KCCs. Similarly the amount sanctioned against these KCCs was ? 6940.97 Crore by
Cooperative Banks and ? 17070.63 Crore by RRBs.
The progress of KCC Scheme & the Agency-wise issue of KCCs since inception, as at the end of March 2018, is
given in the Appendix 6 and Appendix 7 respectively.
8. Progress and Performance of Short Term Cooperative Credit Institutions:
The short term cooperative credit institutions in the country have aggregate ‘Working Capital’ of
? 905302.72 Crore which is a measure of important contribution of cooperative Credit sector to the national
economy. It is praise-worthy that in tune with the overall growth of the cooperative movement the short
term cooperative credit structure has made significant progress. The details of the progress made by the
State Cooperative Banks (SCBs), District Central Cooperative Banks (DCCBs) and Primary Agricultural Credit
Societies (PACS) are discussed in the following paragraphs.
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55TH ANNUAL REPORT
8.1 Performance of State Cooperative Banks (SCBs) – (2016-17 vis-à-vis 2015-16):
8.1.1. At present there are 33 SCBs in the country and 32 SCBs have enrolled themselves as members of NAFSCOB.
The details of performance of SCBs during 2016-17 vis-à-vis 2015-16 is given in Appendix – 8.
8.1.2. The ‘Membership’ of SCBs which was 6,00,278 in 2015-16 increased to 7,16,361 during 2016-17. This was
mainly due to the increase in the membership of individuals to the tune of 1,16,083 and membership of
Cooperative Societies decreased from 21, 044 in 2015-16 to 20, 097 during 2016-17.
8.1.3. The ‘Paid up Capital’ increased by ? 146.78 Crore in 2016-17 which worked out to 3.16 per cent. The ‘Share
Capital from Government’ in the total ‘Paid up Capital’ decreased from ? 889.04 Crore to ? 823.98 Crore
during the year 2016-17.
8.1.4. The ‘Reserves’ of SCBs aggregated to ? 12,249.40 Crore during 2016-17 which was ? 12,825.93 Crore in
2015-16 with decrease of ? 576.53 Crore, shown a decrease of 4.50 per cent.
8.1.5. As in the past, the main component of ‘Resources’ of the SCBs is the ‘Deposits’. The actual level of deposits
at the close of 2016-17 was ? 1,20,300.76 Crore when compared to ? 1,04,921.65 Crore in 2015-16, i.e. net
increase of ? 15,379.11 Crore with registering a growth of 14.66%.
8.1.6. Overall ‘Borrowings’ which was increased from ? 67,357.63 Crore during 2015-16 to ? 73,694.93 Crore
during 2016-17 with registering an increase of 9.41 per cent.
8.1.7. The aggregate ‘Working Capital’ of all the SCBs increased from ? 1,98,672.66 Crore during 2015-16 to
? 2,17,968.82 Crore during 2016-17, registering an absolute increase of ? 19,296.16 Crore. The growth in
terms of percentage was 9.71 per cent.
8.1.8. There has been increase in the ‘Loans and Advances’ issued by SCBs from ? 1,21,656.33 Crore in 2015-16 to
? 1,27,716.41 Crore in 2016-17 i.e. increase of ? 6,060.08 Crore in absolute terms and growth in percentage
was 4.98%.
8.1.9. The ‘Total Loans Outstanding’ amounted to ? 1,22,955.18 Crore during the year 2016-17 as against of
? 1,18,307.14 Crore during 2015-16 with an increase of 3.93 per cent.
8.1.10. However, there was increase in ‘Loan Recovery’ during the year 2016-17. The total loans recovered was to
the tune of ? 68,966.51 Crore during the year 2016-17 as against ? 63,222.39 Crore during 2015-16 i.e.
increase of ? 5,744.12 Crore with registering an increase of 9.09%.
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NAFSCOB
8.1.11. The per centage of ‘Recovery to Demand’ was 95.58 per cent during 2016-17.
8.1.12. The per centage of ‘Overdues to Demand’ was 4.42 during 2016-17.
8.2. Performance of District Central Cooperative Banks (DCCBs) -

(2016-17 vis-à-vis 2015-16):
8.2.1. There were 363 DCCBs as at the end of 2016-17. The performance of DCCBs relating to various operational
parameters is given in Appendix - 09.
8.2.2. The total ‘Membership’ of DCCBs increased from 32,08,720 in 2015-16 to 32,33,599 in 2016-17 i.e. an
increase of 0.78 per cent, mainly due to decrease in the individuals membership. The membership of
individuals in the DCCBs has increased from 27,22,036 to 27,56,155 during the same period.
8.2.3. The ‘Paid up Share Capital’ of DCCBs increased from ? 12,876.75 Crore in 2015-16 to ? 14,539.99 Crore
during 2016-17 with absolute increase of ? 1,663.24 Crore or 12.92 per cent. The Government contribution
to the ‘Paid up Share Capital’ which was ? 1,506.24 Crore during 2015-16 increased to ? 2,019.35 Crore i.e.
an increase of 34.07%.
8.2.4. ‘Reserves’ of DCCBs which aggregated to ? 31,843.96 Crore in 2015-16 increased to ? 33,138.04 Crore
during 2016-17 with growth of 4.06 per cent.
8.2.5. The DCCBs in the country mobilised a ‘Deposit’ of ? 3,09,200.77 Crore in 2016-17 in which ‘Individual
Deposits’ accounted for 57.19 per cent of the ‘Total Deposits’. The ‘Deposits from Cooperatives’ and
‘Others’ increased from ? 1,19,311.66 Crore in 2015-16 to ? 1,32,376.52, registering a net increase of
? 13,064.86 Crore which works out to 10.95 per cent.
8.2.6. The ‘Borrowings of DCCBs’ increased from ? 77,606.08 Crore in 2015-16 to ? 84,679.91 Crore, registering
a net increase of ? 7,073.83 Crore i.e. an increase of 9.12 per cent.
8.2.7. The ‘Working Capital’ of DCCBs increased from ? 4,06,092.93 Crore in 2015-16 to ? 4,51,653.77 Crore in
2016-17 indicating an absolute increase of ? 45,560.84 Crore i.e. an increase of 11.22 per cent.
8.2.8. The ‘Loans and Advances’ issued by DCCBs have increased from ? 2,49,375.96 Crore in 2015-16 to
? 2,54,012.31 Crore in 2016-17. The increase was to the tune of ? 4,636.35 Crore i.e. an increase of 1.86 per
cent. The ‘Loans Outstanding’ have gone up by 4.21 per cent and amounted to ? 2,37,492.91 Crore as at the
end of March, 2016-17.
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55TH ANNUAL REPORT
8.2.9. There was an improvement in ‘Loan Recovery’. The total loans recovered amounted to ? 1,68,854.84 Crore
during the year 2016-17 as against ? 1,60,424.77 Crore during 2015-16 i.e. increase of ? 8,430.07 Crore or
5.25%.
8.2.10. A ‘Demand’ for a sum of ? 2,18,087.28 Crore in 2016-17 as against ? 2,00,739.92 Crore in 2015-16, has been
observed.
8.2.11. The percentage of ‘Overdues to Demand’ increased from 20.08 per cent in the year 2015-16 to 22.57 per
cent in 2016-17.
8.3. Performance of Primary Agricultural Credit Societies -

(2016-17 vis-à-vis 2015-16):
8.3.1. As in the case of SCBs and DCCBs the overall performance of PACS during the year 2016-17 was also
satisfactory. The details of the performance of the PACS during the year 2016-17 vis-à-vis 2015-16 is given in
Appendix-10.
8.3.2. As far as the number of total PACS is concerned, it is observed that the number marginally increased from
93,367 in 2015-16 to 95,603 in 2016-17. The membership of societies increased from 1,27,322 during 2015-
16 to 1,50,533 in 2016-17 i.e. an increase of 18.23 per cent. However, it was observed that there was
decrease in the membership of ‘Scheduled Caste’ and increase in the membership of ‘Scheduled Tribes’
during the year 2016-17. The percentage of ‘Borrowing Members’ to ‘Total Membership increased to 46.41
per cent during 2016-17 as against 36.30 per cent during 2015-16 i.e. an increase of 10.11 per cent.
8.3.3. The ‘Paid up Share Capital’ of PACS increased from ? 12,281.11 Crore during 2015-16 to ? 14,035.69
Crore in 2016-17 which is an absolute increase of ? 1,754.58 Crore or 14.29 per cent. During the same
period the ‘Government's contribution to the Paid up Capital’ of PACS increased by 0.42 per cent. The
Government share in total ‘Paid up Capital’ stood at ? 801.51 Crore and formed 5.71 per cent of the total
during 2016-17.
8.3.4. The total ‘Reserves’ of PACS stood at ? 16,259.46 Crore during 2016-17 This shown an increase of
33.69 per cent over the previous year.
8.3.5. Efforts of ‘Deposit’ mobilisation by PACS have been encouraging during the year. The deposits stood at
? 119,720.65 Crore during 2016-17 as against ? 101,065.48 Crore during 2015-16, an increase of 18.46 per
cent.
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NAFSCOB
8.3.6. The ‘Borrowings’ of PACS increased from ? 112,690.29 Crore during 2015-16 to ? 123,972.11 crore in 2016-
17 i.e. increase of ? 11,281.82 Crore with registering an increase of 10.01 per cent.
8.3.7. The ‘Working Capital’ of PACS increased from ? 2,01,304.41 Crore during 2015-16 to ? 2,35,680.13 Crore
in 2016-17 i.e. an absolute increase of ? 34,375.71 Crore which worked out to be 17.08 per cent.
8.3.8. There was an increase in ‘Loans and Advances’ issued by PACS during 2016-17 over 2015-16. The total
‘Loans and Advances’ issued by PACS increased from ? 1,80,823.51 Crore during 2015-16 to ? 2,00,912.29
Crore during 2016-17 registering an increase of 11.11 per cent.
8.3.9. ‘Loans Outstanding’ which was ? 1,58,487.25 Crore during 2015-16 increased to ? 1,69,942.32 Crore in
2016-17, indicating an increase of 7.23 per cent.
9.3.10. ‘Loans and Advances’ recovered by PACS was ? 1,39,894.01 Crore during 2015-16 and the same during the
year 2016-17 was ? 1,46,310.84, an absolute increase of ? 6,416.83 Crore or 4.59 per cent.
8.3.11. The ‘Overdues’ totalled to ? 53,840.43 Crore in 2016-17 as against ? 29,889.13 Crore during 2015-16 i.e. an
increase of 80.13 per cent.
8.3.12 The percentage of ‘Overdues to Demand’ increased from 17.60 per cent during 2015-16 to 26.90 per cent
during 2016-17.
The progress and performance of the short term cooperative credit institutions is also presented through
graphs in Appendices.
9. National Federation of State Cooperative Banks:
9.1. Genesis and Objectives:
As you are aware, NAFSCOB was established on May 19, 1964 with a view to facilitate the operations of State
and Central Cooperative Banks in particular and development of Cooperative Credit & Banking in general.
The specific objectives of NAFSCOB are to:

1. Provide a common forum to the member banks to examine the problems of cooperative credit
banking and allied matters and evolve suitable strategies to deal with them.
2. Promote and protect the interests of the member banks in all spheres of their activities and to give
expression to the views of the member banks.
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55TH ANNUAL REPORT
3. Co-ordinate and liaison with GoI, RBI, respective State Government, NABARD and other higher
financing institutions for the development of cooperative credit on behalf the member banks.
4. Provide research and consultancy inputs to the member banks in order to facilitate them to
strengthen their own organisations.
5. Organise Conferences / Seminars / Workshops / Programmes / Meetings to share the views of
common interest with a view to contribute for better policy decisions.
NAFSCOB functions with three of its wings viz. (1) Planning, Research and Development (PRD) (2)
All India Mutual Arrangement Scheme (AIMAS) (Upto December 2017) and (3) Computer Service
Division (CSD). NAFSCOB completed 54 years of useful services to its member banks and the Co-
operative Credit Structure.
9.2. Membership in NAFSCOB:
The membership of NAFSCOB is open to all the SCBs in the Republic of India. At present 32 SCBs are
members of NAFSCOB.
9.3. Membership of NAFSCOB:
a) NAFSCOB is a member of the following national level organisations:
i. National Cooperative Union of India (NCUI), New Delhi

ii. Indian Society of Studies in Cooperation (ISSC), Pune
iii. National Film and Fine Arts Cooperative Ltd. (NAFFAC), New Delhi
iv. Indian Tourism Cooperative Ltd. (COOPTOUR), New Delhi
v. Cooperative Bank of India (COBI), New Delhi
vi. Indian Bank’s Association (IBA), Mumbai – Associate Member
vii. Indian Merchants Chamber (IMC), Mumbai – Associate Member
b) NAFSCOB is a member of the following international organisations:
i. The International Cooperative Alliance (ICA), Brussels, Belgium

ii. International Raiffeisen Union (IRU), Bonn, Germany
iii. Asian and Pacific Rural Agricultural Credit Association (APRACA), Bangkok, Thailand.
iv. Centre for International Cooperation and Training in agricultural Banking (CICTAB), Pune,
India
v. Network for the Development of Agricultural Cooperatives (NEDAC) in Asia, Bangkok,
Thailand
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NAFSCOB
9.4. (a) Performance of NAFSCOB:
NAFSCOB with its limited resources, both financial and manpower, accomplished its tasks exceedingly
well in achieving the spelt out objectives. While the General Body is the ultimate authority in all
matters relating to NAFSCOB, the affairs of NAFSCOB are managed by the Board of Directors,
composed of the Chairman/President/any member of member SCB/Administrator/ Special Officer or
Chief Executive of the member SCB. The Executive Committee of the NAFSCOB consisting of
Chairman, Six Vice-Chairmen and the Chief Executive of the NAFSCOB, exercises the powers as laid
down in the bye-laws and or as delegated by the Board.
The performance of NAFSCOB during the last five decades may be categorised as under:
NAFSCOB – FIVE DECADES

First Decade Search of Appropriate Direction
(1964 - 1974)
–
Second Decade Search for Image Building
(1975 - 1984)
Third Decade Divided into two period
(1985 - 1994)
a) First Period (1985 - 1989)– Consolidation

b) Second Period (1989 - 1994) Period of ‘Change’
Fourth Decade Period of ‘Aspirations, Ambitions & Expectations’
(1995 -2004)
–
Fifth Decade Successful Lobby for Recapitalisation / Lobby
(2005 -2014) against Destabilisation
Next Decade Decade commencing from 2014 - 15, it is hoped, will
(2014 - 2023) witness a trend towards strengthening of the short
term cooperative credit structure in its present form.
To ensure preparedness of STCCS to face challenges
emerged out of Technological developments
including digitalization.
b) Initiatives:
9.4.1. Constitution of Committee to formulate “Human Resource Development Policy and suggest
guidelines for PACS:
Pursuant to the decision taken by the Board of Directors of NAFSCOB, Chairman, NAFSCOB
constituted a Committee with the following members to formulate “Human Resource Policy” and
suggest guidelines for PACS. The composition of the Committee is given as below:
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55TH ANNUAL REPORT
· Composition of the Committee:
Sl. Name Particulars

No.
1 Shri Konduru Ravinder Rao Chairman

President, Telangana SCB
2 Shri P. Mohanaiah Member

Former Chief General Manager, NABARD
3 Smt. Ranjana Chopra, IAS Member

Commissioner-cum-Secretary
Cooperation Department
Government of Odisha
4 Registrar of Cooperative Societies Member

Tamil Nadu
5 Dr. M.L. Sukhdeve Member

Chairman, Board of Administrator
Maharashtra SCB
6 Shri Rabi Kant Singh Member

Managing Director, Uttar Pradesh SCB
7 Dr. S. K. Batish Member

Managing Director, Punjab SCB
8 Shri O.E.J. Nongbri Member

Managing Director, Meghalaya SCB
9 Shri D Ramesh Sinha Member

Former Chief General Manager
Erstwhile APCOB
10 Shri Bhima Subrahmanyam, Permanent

Managing Director, NAFSCOB Invitee
Dr. J. S. Hanamashetti, Convener
Deputy Director, NAFSCOB
Shri Ch. Siva Koteswara Rao, former CEO, Hyderabad, Kakinada, Rapporteur
Medak DCCBs
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NAFSCOB
• Terms of Reference of the Committee:
i. To study the existing Act provisions, instructions, guidelines and orders of the State Governments,
including the report submitted by the committee appointed by Govt. of Andhra Pradesh, NABARD,
RBI on Recruitment, Promotion, Transfer etc. of staff in PACS in different states and suggest a
rationalised policy framework for the same including study of cadre system in PACS (requisite
qualifications at different cadres), pay structure etc.
ii. To suggest norms for staff strength in different categories of PACS vis-a-vis volume of credit
business and other services being offered, profitability, operating expenses etc. The on-going
initiative of NABARD for converting PACS into Multi Service Centres may also be factored in while
suggesting the HR Policy for PACS.
iii. To study the existing Special Bye-laws and suggest uniform service rules for all the cadres in
consonance with the Act provisions, NABARD guidelines etc.
iv. To study the present status of Computerisation, scope and the need for computerisation in PACS
and likely impact of it on the staff strength.
v. To suggest a well-defined career path for the PACS staff.
vi. To study the training systems obtaining for PACS staff and suggest a well-defined training policy to
meet the emerging business needs of PACS and to take care of the career progression of the staff.
vii. To study the need and options for outsourcing and identify the activities which could be
outsourced.
viii. To suggest an appropriate mechanism for implementing the suggested HR Policy for PACS and
ensure its compliance on an on-going basis.
ix. Study the best practises adopted by the PACS in the following States and suggest measures for
strengthening of PACS:
(a) Central -UTTAR PRADESH (b) North - JARKHAND; (c) North East- MEGHALAYA; (d) West-
MAHARASHTRA; (e) East- ODISHA; (f) South- KERALA.
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55TH ANNUAL REPORT
9.4.2. Issues Submitted for National Review Meet for Business Development of Cooperative Banks organised
by NABARD at New Delhi on 10 July 2017:
Following issues were submitted to NABARD on the eve of National Review Meet:
Sl.No. Issues
1 Need to expedite ST SAO refinance Policy of NABARD for 2017-18
2 Need to assess the impact of the existing grievances cells in SCBs and DCCBs and to explore
Ombudsman Scheme
3 Need for NABARD intervention to accord Scheduled Status to all eligible State Cooperative Banks and
eligible District Central Cooperative Banks.
4 Need for suitable support to Short Term Cooperative Credit Structure (STCCS) to increase their share
in total agricultural credit disbursement.
5 Need for financial assistance to SCBs and DCCBs to become technologically compliant.
6 Need for considering financial assistance from NABARD for computerisation of PACS as well as for
SCBs and DCCBs and to pave way for migration to CBS platform.
7 Review the Status of implementation of Risk Management Policy in SCBs/DCCBs
8 Review the Status of implementation of Information Security Policy in SCBs/DCCBs
9 Impact of Interest Subvention Scheme to banks – highlights of Report of the “Committee to Suggest
Feasible Measures/options for Improving Targeted Lending to Small and Marginal Farmers”- under
Chairmanship of Shri U C Sarangi.
10 Human Resource Policy for SCBs and DCCBs: Status
11 Specified Bank Notes held by DCCBs: Need to adopt an appropriate approach
12 Need for relaxation in the exposure norms under ‘Credit Monitoring Arrangement’ (CMA).
13 To consider revision in the norms for opening new branches/extension counters to ensure
appropriate business expansion and financial inclusion by SCBs and DCCBs.
14 To consider revision in the exposure norms prescribed for SCBs and DCCBs for housing loans for the
purpose of purchase/construction of new houses as well repairs.
15 Need for inclusion of all Cooperative Banks as Member Lending Institutions (MLI) under ‘Credit
Guarantee Fund Trust for Micro and Small Enterprise (CGTMSE) implemented by SIDBI.
16 Need to do away with the conditionality of Government Guarantee particularly for Non-Scheduled
State Cooperative Banks.
17 Need for NABARD intervention to seek restoration of Section 80P of Income Tax Act, 1961.
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NAFSCOB
9.4.3. Developments arising out of the withdrawal of Legal Tender Character of existing ? 500/- and ?1000/-
Specified Bank Notes (SBNs) – Representation by NAFSCOB:
NAFSCOB made its representation to Hon’ble Prime Minister of India, Union Finance Minister, Governor, RBI
and Chairman NABARD and requested to allow DCCBs to participate in exchange/deposit of SBN Scheme. As
resolved by Board of Directors of NAFSCOB, a delegation led by Dr. Chandrapal Singh Yadav ji, M.P (Rajya
Sabha) & President, NCUI submitted representation to Shri. Arun Jaitley, Hon’ble Union Minister For
Finance on demonetization and impact of non-applicability of the exchange/deposit of SBN Scheme to the
DCCBs at New Delhi on 05 December 2016. The delegation included Shri Dileep Sanghani, Chairman,
NAFSCOB; Dr. Bijender Singh, Ex-MLA, Ex-Chairman, NAFSCOB & President, Delhi SCB; Shri V.P. Singh, Ex.
President, NCUI & Member, Governing Council, NCUI; Shri Bhima Subrahmanyam, Managing Director,
NAFSCOB and Shri Ajaybhai H. Patel, Chairman, Gujarat SCB.
In continuation, Chairman, vide letter No.NAFSCOB/D.O./G-3/2017-18/72, dated 18-05-2017 appealed

Hon’ble Union Finance Minister to give permission to DCCBs to deposit SBNs held by them and save from
financial collapse.
Government of India vide its Gazette Notification No.G.S.R. 611(E) dated 20th June, 2017 under SBNs
(Deposit by Banks, Post Offices and DCCBs) Rules, 2017 given permission to DCCBs to deposit SBNs accepted
from their customers within the period of 10th November to 14th November 2016. DCCBs to deposit the
SBNs accumulated at their level in any Office of the RBI within 30 days from the commencement of the
rules. However, discriminatory approach has been followed in the case of DCCBs. While the SBNs accepted
by the Banks and/or Post Offices from their customers on or before 30 December 2016 are allowed to be
deposited in any office of the RBI, the SBNs accepted by the DCCBs from their customers within the period
of 10 to 14 November 2016 only have been allowed to be deposited. The SBNs held by the DCCBs as at the
close of transaction on November 8, 2016 and still not deposited are declared by RBI as not eligible to be
deposited. This conditionality imposed by RBI vide Circular dated June 29, 2017 do not appear to be
justifiable and certainly not in the interests of the DCCBs which have been working towards ensuring
smooth flow of credit for agriculture and rural development and also financial inclusion.
Chairman, NAFSCOB vide letter dated 30-06-2017 requested Hon’ble Union Finance Minister to advise the
RBI to reverse this conditionality on priority basis and allow DCCBs to deposit the SBNs held by them as at
the close of November 8, 2016 and still not deposited. A copy of the same letter has been forwarded to the
Governor, RBI and Chairman, NABARD. NAFSCOB vide its letter dated 17-07-2017 once again requested
Hon’ble Union Finance Minister to advise the RBI to reverse this conditionality on priority basis and allow
DCCBs to deposit the SBNs held by them as at the close of November 8, 2016 and still not deposited.
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55TH ANNUAL REPORT
However, outstanding of SBNs (? 147.53 crores) as on 8th November 2016 and held by DCCB till to-day are
not allowed to be deposited by the DCCBs in any offices of the RBI on or before closure of the financial year
2017-18. In this connection Chairman, NAFSCOB vide letter No.NAFSCOB/G-3/2017-18/443, dated 20-03-
2018 requested Hon’ble Union Finance Minister to advise the Governor, RBI to reverse their conditionality
with immediate effect so as to allow the DCCBs to deposit the SBNs held by them from November 08, 2016
onwards or before the closure of the financial year 2017-18 to prevent them from making loss provision in
the interest of the cooperative banks.
9.4.4. Memorandum on issues of priority sent to Hon’ble Union Finance Minister on the eve of Union Budget
for the year 2018-19:
Chairman, NAFSCOB submitted a memorandum to the Union Finance Minister with a request to address the
following issues for possible incorporation in the Union Budget 2017-18:
i. Income Tax Issues – Issues for Consideration
a. Need for restoration of Section 80P of Income Tax Act, 1961.

b. Section 80C(xxi) of Income Tax Act, 1961 – Inclusion of Deposits with Non Scheduled
Cooperative Banks to be eligible for Tax Deduction.
c. Need for exempting SCBs and DCCBs from the provisions of Section 194A of Income Tax Act,
1961.
ii. Adverse Implications of Demonetisation on District Central Cooperative Banks (DCCBs)

iii. Computerisation of Primary Agricultural Credit Societies (PACS)
iv. Need for financial assistance to State Cooperative Banks (SCBs) and DCCBs to become
technologically compliant.
v. Need for extending Recapitalisation assistance to DCCBs on the lines of Revival Package
recommended to STCCS by the Task Force on Revitalisation of Cooperative Credit Institutions
vi. Need for Review, Revamp and Restructuring of Interest Subvention
9.4.5. NAFSCOB Annual Performance Awards - 2015-16
NAFSCOB introduced the scheme of Annual Performance Awards for the Best Performing SCBs, DCCBs and
PACS across the country. The Best Performance Awards scheme to member SCBs had been instituted in the
year 1982-83. Subsequently NAFSCOB had introduced ‘Subhash Yadav Award for Best Performing PACS’
scheme in the year 1998-99. Furthermore, NAFSCOB had introduced ‘Best Performance Awards to DCCBs’
scheme in the year 2008-09. Also, NAFSCOB had instituted ‘Best Performance Awards to Agricultural
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NAFSCOB
Cooperative Staff Training Institutes (ACSTIs)’ from the year 2012-13 onwards which aimed to recognize the
contributions made by them towards imparting inductive training, training towards capacity building
efforts, developing skills of the personnel in the cooperative sector, developing leadership and efforts
towards human resource management and development.
The annual performance awards are intended to promote a meaningful and healthy competition among the
Banks and provide an impetus to their functioning. The Annual Performance Awards to winning SCBs and
DCCBs, Subhash Yadav Award for Best Performing PACS and Best Performance Awards to winning ACSTIs for
the year 2015-16 were presented by Thiru Sellur K. Raju, Hon’ble Minister for Cooperation, Government of
Tamil Nadu and Thiru D. Jayakumar, Hon’ble Minister for Fisheries, Finance, Personnel and Administrative
Reforms, Govt. of Tamil Nadu to the following SCBs, DCCBs and PACS in a special event at Chennai, Tamil
Nadu on 11 August, 2017.
I. ANNUAL PERFORMANCE AWARDS TO SCBs – 2015-16
OVERALL PERFORMANCE AWARDS - III TIER (2015-16)
AWARDS SCBs
FIRST PRIZE THE HIMACHAL PRADESH STATE CO -OPERATIVE BANK LTD., SHIMLA.
SECOND PRIZE THE ODISHA STATE COOPERATIVE BANK LTD., BHUBANESHWAR.
THIRD PRIZE THE TAMIL NADU STATE APEX COOPERATIVE BANK LTD., CHENNAI.
OVERALL PERFORMANCE AWARDS - II TIER (2015-16)

AWARDS SCBs
FIRST PRIZE THE ANDAMAN & NICOBAR STATE CO-OPERATIVE BANK LTD., PORT BLAIR.
SECOND PRIZE THE SIKKIM STATE COOPERATIVE BANK LTD., TADONG.
SPECIAL AWARDS – III TIER (2015-16)

CATEGORY SCBs
GROUP- I: RESOURCE THE HARYANA STATE COOPERATIVE APEX BANK
DEVELOPMENT LTD., CHANDIGARH.
GROUP- III: THE ANDHRA PRADESH STATE COOPERATIVE
RECOVERY PERFORMANCE BANK LTD., VIJAYAWADA.
GROUP –V: THE MAHARASHTRA STATE CO- OPERATIVE BANK
COMPLIANCE OF PRUDENTIAL LTD., MUMBAI.
NORMS
GROUP –VI: THE UTTAR PRADESH COOPERATIVE BANK LTD.,
PROFITABILITY LUCKNOW.
GROUP-VII: CORPORATE THE KARNATAKA STATE COOPERATIVE APEX BANK
GOVERNANCE & LTD., BANGALORE.
MANAGEMENT PERFORMANCE
GROUP-IX: LEADERSHIP ROLE THE GUJARAT STATE CO -OPERATIVE BANK LTD.,
OF STATE COOPERATIVE BANKS AHMEDABAD.
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55TH ANNUAL REPORT
II. ANNUAL PERFORMANCE AWARDS TO DCCBs – 2015-16
OVERALL PERFORMANCE AWARDS - DCCBs (2015-16)

AWARDS DCCBs
FIRST PRIZE ‘BHOPAL COOPERATIVE CENTRAL BANK LTD.’, BHOPAL, MADHYA PRADESH.
THE AHMEDABAD DISTRICT COOPERATIVE BANK LTD., AHMEDABAD, GUJARAT.
SECOND PRIZE THE KARIMNAGAR DISTRICT COOPERATIVE CENTRAL BANK LTD.,
KARIMNAGAR, TELANGANA.
THIRD PRIZE KRISHNA DISTRICT COOPERATIVE CENTRAL BANK LTD.,
MACHILIPATNAM, ANDHRA PRADESH .
SPECIAL AWARD THE SALEM DISTRICT CENTRAL COOPERATIVE BANK LTD.,
SALEM, TAMIL NADU.
III. SUBHASH YADAV AWARDS FOR BEST PERFORMING PACS– 2015-16

SUBHASH YADAV AWARD- PACS (2015-16)
FIRST PRIZE ‘BAHALA GRAM SEWA SAHAKARI SAMITI LTD.’, BAHALA, RAMGARH,
ALWAR DISTRICT, RAJASTHAN.
SECOND PRIZE ‘SHREE KOTHI SEVA SAHAKARI MANDLI LTD.’, KOTHI, WANKANER
, MORBI DISTRICT, GUJARAT.
THIRD PRIZE ‘THE TALAI G/S COOPERATIVE SOCIETY LTD.’, TALAI, JHANDUTTA,
BILASPUR DISTRICT, HIMACHAL PRADESH.
IV. BEST PERFORMANCE AWARDS TO ACSTIs – 2015-16

BEST PERFORMANCE AWARDS - ACSTIs (2015-16)
FIRST PRIZE THE AGRICULTURAL COOPERATIVE STAFF TRAINING INSTITUTE
(ACSTI), PUNJAB.
SECOND PRIZE THE AGRICULTURAL COOPERATIVE STAFF TRAINING INSTITUTE
(ACSTI), HIMACHAL PRADESH.
THIRD PRIZE THE AGRICULTURAL COOPERATIVE STAFF TRAINING INSTITUTE
(ACSTI), TAMIL NADU.
9.5. Meetings of the Annual General Body, Special General Body, Board of Directors and Executive
Committee of NAFSCOB:
A. Annual General Body:
The Fifty Fourth Annual General Body Meeting of the NAFSCOB was held on 10 August 2017 at
Chennai, Tamil Nadu. The General Body in their meeting perused, among others, the following:
i. Confirm the Proceedings of the 53rd Annual General Meeting of NAFSCOB held on 19
September 2016 at Mumbai.
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NAFSCOB
ii. Consider and approve the Auditors’ Report and Auditors’ Statement of Accounts of
NAFSCOB for the year 2016-2017 and also the Compliance on the Observations made by the
Auditors.
iii. Consider and adopt the Fifty Fourth Annual Report of NAFSCOB for the year 2016-2017.
iv. Review the work of NAFSCOB and to formulate the programme of activities for the year
2017-2018 / long-term perspective plan and the annual operational plan.
v. Consider and approve the Annual Budget of Income and Expenditure for the year 2017-
2018.
vi. Appoint Auditors for the Statutory Audit of Accounts of NAFSCOB for the year 2017-2018
and fix their remuneration.
vii. Peruse the list of the employees who are relatives of members of the Board or of the Chief
Executive.
viii. Conduct election for the vacant position of Directors on the Board of NAFSCOB.
B. Board of Directors:
The Board of Directors of NAFSCOB held their meetings four times during the year from April 01,
2017 to March 31, 2018, as indicated below:
Date Venue
•April 27, 2017 Mumbai, Maharashtra
•August 10, 2017 Chennai, Tamil Nadu
•November 23, 2017 Port Blair, Andaman & Nicobar Island
•March 13, 2018 Mumbai, Maharashtra
The meetings of the Board of Directors of NAFSCOB discussed various important policy and operational
issues and matters pertaining to Cooperatives, Cooperation, Rural Credit, Agriculture, Banking, impact of
Demonetization on DCCBs, HR Policy for SCBs, DCCBs and PACS etc. to review the status of the short term
cooperative credit structure, and to evolve suitable strategies to address the issues emerging out of various
policy decisions etc. appropriately. The Inter-face meetings of the Board of Directors with the non-
members of the Board, viz. Chairman and the Chief Executives of SCBs were also organised to facilitate
effective exchange of views/ideas and detailed discussions on the listed agenda.
Following are some of the important Policy and Operational Issues discussed in the meetings of the Board of
Directors during the year 2017-2018
• 27 April, 2017, Mumbai, Maharashtra:
i. Highlights of Economic Survey 2016-17.

ii. Highlights of the Union Budget for the year 2017-18 and consider its implications.
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55TH ANNUAL REPORT
iii. Sixth Bi-monthly Monetary Policy Statement, 2016-17 of RBI.
iv. Restoration of status quo ante in the limits on Cash withdrawals from Bank accounts and
ATMs.
v. Clarifications issued by RBI regarding Pradhan Mantri Garib Kalyan Deposit Scheme
(PMGKDS), 2016.
vi. Conduct of National Meet of State Cooperative Banks on Information Technology, Financial
Inclusion and Business Development by NABARD on 02 March 2017 at Mumbai.
vii. Additional Refinance for the year 2016-17 for provision of Short Term (ST) refinance by
NABARD to SCBs for financing Seasonal Agricultural Operations (SAO).
viii. Advisory with regard to provision against unpaid demand raised by the Income Tax
Authority.
ix. Clarification issued by NABARD with regard to the submission of Data pertaining to RuPay
Kisan Cards (RKCC) under EnSure and also the revised instructions for filling Data for
‘Mission: RuPay Kisan Card’ for submission through ENUSRE portal.
x. NABARD decision to report the conduct of “digital Financial Literacy Awareness
Programme” (dFLAP) by SCBs/DCCBs using the ENSURE portal.
xi. Revisions and Clarifications issued by NABARD for support under Financial Inclusion Fund
(FIF) for deployment of PoS machines in Tier 5 and Tier 6 centres CAPEX and OPEX models.
(and also the Additional Clarifications)
xii. NABARD instructions for filling data for deployment of PoS/mPoS devices in Tier 5 & 6
centres for submission through ENSURE portal.
xiii. NABARD instructions for submitting returns prescribed under the provisions in Banking
Regulation Act, 1949 (AACS) on-line through ENSURE Portal.
xiv. Highlights of the Report on ‘Enabling The Business of Agriculture 2017’ published by World
Bank.
xv. Status of implementation of the Revised Revival Package of STCCS as recommended by
the Task Force on Revitalisation of Cooperative Credit Institutions.
xvi. Status and issues related to lending short term credit @7 per cent including the interest
subvention and related matters.
xvii. Status of Licence & Scheduled status to State Cooperative Banks and District Central
Cooperative Banks.
xviii. Report on “Roadmap to enhance share of Cooperative Banks in Agricultural Credit” brought
out by NAFSCOB.
xix. ‘First Bi-monthly Monetary Policy Statement, 2017-18’ of RBI.
xx. Model Cooperative Ombudsman Scheme prepared by NABARD.
xxi. Provision of Short Term (ST) Refinance to SCBs for financing various purposes under ST
(others) – Policy of NABARD for the year 2017-18.
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NAFSCOB
xxii. Financial Support from Financial Inclusion Fund from NABARD to Rural Cooperative Banks
and RRBs for Operationalisation of Central KYC Records Registry.
xxiii. Refinance Policy of NABARD for State Cooperative Banks on schematic lending for 2017-18.
xxiv. Extension of cut- off date on stoppage of Subsidy Schemes of MNRE routed through
NABARD- Capital Subsidy Scheme for Promoting Solar Photovoltaic Water Pumping Systems
for Irrigation Purpose and MNRE Lighting Scheme 2016 - Capital Subsidy Scheme for
installation of Solar Photovoltaic Lighting Systems- by 18 April 2017.
xxv. Grant Assistance under Financial Inclusion Fund (FIF) for conduct of Financial Literacy
Programmes – Review of the on-going schemes.
• August 10, 2017, Chennai, Tamil Nadu:
i. Gazette Notification issued by Ministry of Finance allowing DCCBs to deposit the SBNs
accepted from their customers, in any office of RBI.
ii. Special features of Goods and Service Tax (GST) introduced and launched by the
Government of India w.e.f. 1st July 2017.
iii. Second Bi-monthly Monetary Policy Statement, 2017-18 of RBI.
iv. Circular issued by RBI with regard to maintenance of Statutory Liquidity Ratio (SLR) under
Section 24 and Section 56 of Banking Regulation Act, 1949.
v. RBI communication with regard to the regulatory requirements for issue of Pre-paid
Payment Instruments by Cooperative Banks.
vi. RBI instruction with regard to the settlement at half-hourly intervals under National
Electronic Funds Transfer (NEFT) system.
vii. Guidelines on Merchant Acquisition for Card Transactions issued by RBI.
viii. NABARD Policy for the year 2017-18 on Provision of Short Term (ST) refinance to State
Cooperative Banks for financing Seasonal Agricultural Operations (SAO).
ix. Response received from member SCBs with regard to the Additional Short Term (ST)
refinance by NABARD to SCBs for financing SAOs.
x. Long-term refinance for investment credit for agriculture under Long Term Rural Credit
Fund 2017-18 (LTRCF).
xi. Introduction of “Promotional Scheme of BHIM Aadhaar” by NABARD.
xii. Circular issued by NABARD with regard to the status of Information System (IS) Audit in
SCBs/DCCBs.
xiii. NABARD support under Financial Inclusion Fund (FIF) for deployment of PoS machines in
Tier 5 and Tier 6 centres under CAPEX and OPEX models.
xiv. Circular issued by NABARD with regard to clarification about Risk Weights for calculation of
CRAR.
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55TH ANNUAL REPORT
xv. Extension of support period for various schemes under Financial Inclusion Fund of NABARD.
xvi. NABARD support available for demonstration of banking technology through mobile van
under Financial Inclusion Fund (FIF).
xvii. Guidelines on the NABARD Refinance Policy for the year 2017-18 for relief measures to
farmers affected by natural calamities – Conversion of ST(SAO) loans into medium term
loans.
xviii. NABARD Policy for the year 2017-18 on Sanction of term loans to State Governments under
Section 27 of the NABARD Act, 1981 for contribution to share capital of cooperative credit
institutions.
xix. Asset Classification & Provisioning for Food Credit Advances to State Government/Union
Territories.
xx. Revision in the norms for Supervisory Ratings of SCBs/DCCBs.
xxi. Continuation of Agriclinics and Agribusiness Centres (ACABC) Scheme for the financial year
2017-18.
xxii. Continuation of Interest Subvention Scheme for Short Term Crop Loans on interim basis
during the year 2017-18.
xxiii. NABARD instruction to upload the information on PACS computerisation by SCBs/DCCBs.
xxiv. NABARD Circular with regard to implementation of Direct Benefit Transfer (DBT) in the
Government sponsored Crop Insurance Scheme.
xxv. Relaxation of eligibility criteria for availing support under Financial Inclusion Fund (FIF) of
NABARD to licensed Rural Cooperative Banks for implementation of Core Banking Solution
(CBS).
xxvi. Support under FIF of NABARD for purchase of hand held projector and portable speaker to
facilitate Financial Literacy efforts by Financial Literacy Centres (FLCs) and rural
branches.
xxvii. Grant Assistance under Financial Inclusion Fund (FIF) for conduct of Financial Literacy
Programmes for “Going Digital”.
xxviii. Operational Guidelines issued by NABARD for Capital Investment Subsidy Scheme for
Commercial Production Units of Organic Farming under National Project on Organic
Farming.
xxix. National Review Meet of Cooperative Banks for the year 2017-18 organised by NABARD on
10 July 2017 at New Delhi to review the performance of Cooperative Banks as on 31 March
2017.
xxx. Seminar organised by NABARD on the eve of NABARD’s 36th Foundation Day to
commemorate 25 years of Self Help Group movement on 11 July 2017 at New Delhi.
xxxi. Status of implementation of the Revised Revival Package of STCCS as recommended by
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NAFSCOB
xxxii. Status and issues related to lending short term credit @7 per cent including the interest
xxxiii. Status of Licence & Scheduled status to State Cooperative Banks and District Central
Cooperative Banks.
xxxiv. Trends and response received from SCBs/DCCBs for Best Performance Awards to
SCBs/DCCBs.
xxxv. Advertisement Support and response for articles in ‘NAFSCOB Journal of Rural Cooperative
Credit and Banking’
xxxvi. Constraints in finalising the Basic Data on Performance of SCBs, DCCBs and PACS.
xxxvii. Recommendations of the Jury for Best Performance Awards to ACSTIs for the year 2015-16.
xxxviii. Recommendations of the Jury for the Best Performance Awards to State Cooperative
Banks, District Central Cooperative Banks and Primary Agricultural Credit Societies for the
year 2015-16.
xxxix. NABARD Circular regarding compliance of the provision of the Aadhaar Act, 2016 and
Information Technology Act, 2000.
xl. Steps taken for convening the National Conference on ‘Recent Developments/Trends in
Short Term Cooperative Credit Structure’ in December 2017 at New Delhi
xli. Third Bi-monthly Monetary Policy Statement, 2017-18 of RBI.
• November 23, 2017 at Port Blair, Andaman & Nicobar Island:
i. Fourth Bi-monthly Monetary Policy Statement, 2017-18 of RBI.

ii. Reduction in maintenance of SLR requirements of banks and also on the SLR holdings under
HTM category under Section 24 and Section 56 of the Banking Regulation Act, 1949.
iii. Salient features of Interest Subvention Scheme for short term crop loans during the year
2017-18.
iv. Master Circular on the Kisan Credit Card (KCC) Scheme brought out by NABARD.
v. Modified guidelines for Classification, Reporting and Monitoring of Frauds issued by
NABARD.
vi. Extension of BHIM (Bharat Interface for Money) Aadhaar Merchant Incentive Scheme.
vii. Terms and Conditions governing sanction of short-term (Seasonal Agricultural Operations)
Credit Limits to State Cooperative Bank on behalf of eligible DCCBs for the year 2017-18
and resultant Memorandum of Agreement.
viii. Fit and Proper Criteria for Directors and CEOs of State Cooperative Banks (SCBs) and
District Central Cooperative Banks (DCCBs) prescribed by RBI.
ix. Status of implementation of the Revised Revival Package of STCCS as recommended by the
Task Force on Revitalisation of Cooperative Credit Institutions.
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55TH ANNUAL REPORT
x. Status and issues related to lending short term credit @7 per cent including the interest
xi. Status of Licence & Scheduled status to State Cooperative Banks and District Central
Cooperative Banks.
xii. Data related to PACS as submitted by SCBs and forwarded by NAFSCOB.
xiii. Developments related to Computerization of PACS as announced in Union Budget for 2017-
18 on 01 February 2017.
• March 13, 2018 at Mumbai, Maharashtra:
i. Financial Resolution and Deposit Insurance Bill 2017 as introduced in Lok Sabha.
ii. Highlights of Economic Survey 2017-18.
iii. Highlights of Union Budget for the year 2018-19 and consider its implications.
iv. Banking Reforms Roadmap for a New India – Recapitalisation of Public Sector Banks.
v. Issue related to Income Tax exemption to cooperative banks.
vi. Consultative Document of Stress testing principles under Basel Committee on Banking
Supervision published by Bank for International Settlements.
vii. Fifth and Sixth Bi-monthly Monetary Policy Statement, 2017-18 of RBI.
viii. RBI Report on Trend and Progress of Banking in India 2016-17.
ix. Directions regarding Customer Protection – Limiting Liability of Customers of Cooperative
Banks in Unauthorised Electronic Banking Transactions issued by the RBI.
x. Revised framework for Rationalisation of Merchant Discount Rate (MDR) for Debit Card
Transactions of the RBI.
xi. Consultative Document of Bank for International Settlements regarding Basel Committee
on Banking Supervision.
xii. To peruse the Fit and Proper Criteria for appointment of Directors and CEOs of State
Cooperative Banks (SCBs) and District Central Cooperative Banks (DCCBs) issued by RBI.
xiii. Constitution of Sub-Group of Cooperative Banks under High-Level Task Force on Public
Credit Registry (PCR).
xiv. Support for Authentication User Agency (AUA)/e-KYC User Agency (KUA) Membership
under Financial Inclusion FIF by NABARD.
xv. Summary and Recommendations of Report of the Committee for Assessment of Human
Resources of STCCS in the Post CBS Environment prepared by NABARD.
xvi. NRLM Interest Subvention Scheme-Refinance Policy for Schematic lending 2017-18 issued
by NABARD.
xvii. Grant Assistance for conduct of Financial Literacy Camps in Unbanked Rural Centres
(URCs).
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NAFSCOB
xviii. On-boarding permission for BHIM Aadhaar (as acquirer)/UPI – advise issued by NABARD.
xix. Promotional Scheme for Support under FIF for deployment of 20 lakh BHIM Aadhar Pay
Devices.
xx. Assistance under FIF for issue of RuPay Debit Cards by NABARD.
xxi. Capital Investment Subsidy Scheme for Commercial Production Units of Organic Farming
under National Project on Organic Farming – Withdrawal of Soil Testing labs
(Static/Mobile)/Mini Labs and Soil Testing Projects at Village level from NPOF Scheme.
xxii. Support for Deployment of Mobile Signal Booster in SSAs – Support under FIF.
xxiii. Extension of timeline for submission of claims regarding Support for issuance of EMV chip
based RuPay Kisan Cards from FIF.
xxiv. Extension of timeline of support from FIF for deployment of PoS/mPoS devices in Tier 5 & 6
Centres.
xxv. Long Form Audit Report (LFAR) for Cooperative Banks- Issues relating to Depositor
Education and Awareness Fund (DEAF) Scheme, 2014.
xxvi. Revision in format of Interest Subvention Scheme for the Year 2017-18 by NABARD.
xxvii. Compliance of Board of Supervision (BoS) guidance issued by NABARD regarding member
Awareness Creation as a means of Effective Governance Mechanism.
xxviii. Status of implementation of the Revised Revival Package of STCCS as recommended by
xxix. Status and issues related to lending short term credit @7 per cent including the interest
xxx. Status of Licence & Scheduled status to State Cooperative Banks and District Central
Cooperative Banks.
xxxi. To peruse the conduct of National Seminar on “Report of the Committee set up NABARD for
Assessment of Human Resources of STCCS in the Post CBS Environment” on 13 March 2018
at Mumbai.
C. Executive Committee:
The Executive Committee of NAFSCOB held its meetings four times during the year 2017-18 as
listed below:
Date Venue
•April 27, 2017 Mumbai, Maharashtra

•August 10, 2017 Chennai, Tamil Nadu
•November 23, 2017 Port Blair, Andaman & Nicobar Island
•March 13, 2018 Mumbai, Maharashtra
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9.6. Office Bearers of NAFSCOB as on 31.03.2018 are as follows:
Chairman Organisation
Shri. Dileep Sanghani Director
Ex. M.P./Ex. Minister, Gujarat The Gujarat State Cooperative Bank
Ltd., Ahmedabad
Vice-Chairmen
Shri Gautam Bora, Ex.MLA, Ex. Minister, Assam Director
(North-Eastern Zone ) Since 27-07-2012 – 08-06-2015 The Assam Cooperative Apex Bank Ltd.,
08-06-2015 onwards Guwahati
Shri Ramesh Chandra Chaubey Chairman
(Eastern Zone) Bihar State Cooperative Bank Ltd.
Till 19-03-2018 Patna
Shri Ashok Bajaj Chairman

(Central Zone) The Chhattisgarh Rajya Sahakari Bank
Since 08-06-2015 Maryadit
Raipur
Shri Ulhas B. Phal Dessai Chairman
(Western Zone) Goa State Cooperative Bank Ltd.
Till 24-09-2017 Panaji
President,
Shri K. N. Rajanna, MLA The Karnataka State Cooperative Apex
(Southern Zone) Since 18-12-2015 Bank Ltd., Bengaluru
Shri Harsh Mahajan Chairman
(Northern Zone) Himachal Pradesh State Cooperative
Till 26-02-2017 Bank Ltd.
Shimla
Shri B. Subrahmanyam Managing Director
NAFSCOB, Navi Mumbai
9.7. Grant-in-aid under Central Sector Scheme of Assistance of Govt. of India:
Government of India through the Central Sector Scheme of Assistance assists national level cooperative
organisations for identified schemes and programmes. Under the said scheme NAFSCOB has been receiving
grant-in-aid assistance through the Department of Agriculture and Cooperation, Ministry of Agriculture,
Government of India since 1975 for undertaking proposed specific activities in the Planning, Research and
Development Cell with exception to the years 2003-04, 2004-05, 2010-11 and 2013-14 during which
NAFSCOB did not receive the Grant-in-aid under the said scheme of assistance of Govt. of India. The details
of grant-in-aid from the Government of India from the year 1974-75 to 2017-18 are given in Appendix – 11.
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NAFSCOB
9.8. Committees/Working Groups:
9.8.1. Constitution of Committee to formulate “Human Resource Development Policy and suggest guidelines
for PACS:
Pursuant to the decision taken by the Board of Directors of NAFSCOB, Chairman, NAFSCOB constituted a
Committee to formulate “Human Resource Policy” and suggest guidelines for PACS. The details of the
committee are given elsewhere in this report.
9.8.2. Committee on “to evolve strategy to Discontinue the Operations under AIMAS”:
As resolved, Chairman, NAFSCOB set up a Committee with the following members to decide strategy to
discontinue the operations under AIMAS which includes the steps to be undertaken by all members of AIMAS
i.e. SCBs and their branches, DCCBs and their branches and UCBs and their branches:
Chairman:
• Shri B. Subrahmanyam, Managing Director, NAFSCOB
Members:
1. Shri Satbir Sharma, Managing Director, Haryana SCB
2. Shri G.S. Ramana Reddy, KCS, Chief Executive Officer, Karnataka SCB
3. Shri Praeep Neekhra, Managing Director, Madhya Pradesh SCB
4. Shri Pramod Karnad, Managing Director, Maharashtra SCB
5. Shri Tusarkanti Panda, Managing Director, Odisha SCB
6. Dr. S.K. Batish, Managing Director, Punjab SCB
7. Thiru R. Karthikeyan, Managing Director, Tamil Nadu SCB
8. Dr. Nethi Muralidhar, Managing Director, Telangana SCB
9. Shri Rabi Kant Singh, Managing Director, Uttar Pradesh SCB
Special Invitee:
1. Shri K. Tulasi Prasad, Managing Director, Andhra Pradesh SCB
Advisors:
1. Shri Balanandan A, DGM (Rtd.), Kerla SCB
2. Shri V. Radhakrishnan, GM (Rtd.), Pondicherry SCB
9.8.3. NAFSCOB Jury of Best Performance Awards to Agricultural Cooperative Staff Training Institutes:
NAFSCOB instituted a scheme of ‘Best Performance Awards’ to ACSTIs from 2012-13. The awards for the
years 2012-13, 2013-14, 2014-15 and 2015-16 were already presented to winning ACSTIs. Further, decided
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55TH ANNUAL REPORT
to continue the scheme of ‘Best Performance Awards’ to ACSTIs for the year 2016-17. It was also
resolved to approve the proposal to institute an independent Jury with the following members to
appreciate the efforts made by ACSTIs and thereby recommend two or three appropriate Best
Performance Awards:
i. Shri B. Subrahmanyam : Chairman

Managing Director, NAFSCOB
ii. Director General, NCCT : Member
iii. Director, Bankers Institute of Rural : Member
Development (BIRD)
iv. Chief General Manager, IDD, NABARD : Member
v. Shri Tusarkanti Panda : Member
Managing Director, Odisha SCB
vi. Dr. Nethi Muralidhar : Member
Managing Director, Telangana SCB
vii. Dr. S. K. Batish : Member
Managing Director, Punjab SCB
9.9. Managing Director and Officers of NAFSCOB:
Chief Executive/Managing Director – Shri B. Subrahmanyam
The details of Officers of NAFSCOB are given in the Appendix – 12
9.10. Memorandum/Representation on Important Issues Pertaining to Cooperative Credit and

Banking Institutions:
Pursuant to the decisions taken by the Board of Directors, Executive Committee, and other
internal Committees and Working Groups, NAFSCOB carried out number of activities/ programmes
during the year. As in the past, NAFSCOB represented to the concerned authorities at the highest
level on the implications of various policy initiatives on viability, profitability, professionalization,
autonomy, democratic setup, etc. of the cooperative credit and banking institutions and sought
their positive interventions for better appreciation of the issues.
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NAFSCOB
9.11. Pre-Budget Consultations – 2018-19:
During the year 2017-18, NAFSCOB has made representation on issues of importance to the Union Finance
Minister on the eve of Pre-Budget discussion including restoration of exemption allowed under Section 80P
of Income Tax Act, 1961 to SCBs and DCCBs and other issues concerning taxation affecting the SCBs and
DCCBs, Impact of Demonetization on DCCBs, continuation of the Revival Package of STCCS as recommended
by the Task Force on Revitalisation of Cooperative Credit Institutions, suitable support to STCCS to increase
their share in total agricultural credit disbursement, financial assistance to SCBs and DCCBs to become
technologically compliant, issues concerning Interest Subvention Scheme, etc.
9.12. Implementation of the Government Policy regarding usage of Hindi in the office of NAFSCOB:
As per the directives of Department of Agriculture and Cooperation, Ministry of Agriculture, Government of
India, on the implementation of the policy regarding usage of Hindi in the office of NAFSCOB, following
steps have been initiated / taken:
i. ‘Hindi Advisory Committee’ has been constituted in NAFSCOB with effect from April 1992 to
coordinate the activities in connection with the usage of Hindi in office administration. The
committee is entrusted with the responsibility of widening the scope of usage of Hindi in the office
administration, member SCBs and their constituents.
ii. The sign board of the NAFSCOB have been depicted both in English and Hindi languages. However,
these sign board have been removed by the J. K. Chambers Cooperative Housing Society, in which
the NAFSCOB is located.
iii. The rubber stamp depicting the designation of the functionaries in the NAFSCOB have also been
made in Hindi.
iv. The brochure about the aims, activities and achievements of the NAFSCOB was translated in Hindi
and sent to the member SCBs and Govt. of India.
v. The letters received in Hindi from Govt. of India, member SCBs and DCCBs are replied in Hindi to
the possible extent.
vi. The Annual Report and Audit Report along with the statement of Accounts of NAFSCOB is translated
in Hindi and copies of the same submitted to Govt. of India.
vii. NAFSCOB has made an appeal in Hindi to contribute articles in Hindi for Publication in ‘NAFSCOB
JOURNAL’.
viii. Advertisements in Hindi are also published in ‘NAFSCOB JOURNAL’. NAFSCOB started a separate
‘Hindi Section’ in ‘NAFSCOB JOURNAL’.
ix. A booklet on performance of Short Term Cooperative Credit Institutions in Hindi has been
published.
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55TH ANNUAL REPORT
x. NAFSCOB celebrated ‘Hindi Day’.
xi. Steps are being initiated to take up more activities for implementation of usage of Hindi in office
correspondence.
10. All India Mutual Arrangement Scheme (AIMAS):
The ‘AIMAS’ was operationalised by NAFSCOB in 1965. Shri T. T. Krishnamachari, the then Hon’ble Union
Finance Minister inaugurated AIMAS on August 21, 1965, in Mumbai.
The primary objective of AIMAS is to facilitate the participant banks throughout the country to undertake
the following banking business:
i. Issue and Honour MICR and Non-MICR Demand Drafts
ii. Issue and Honour Mail Transfers
iii. Collection and Payment of Bills, Dividend Warrants etc.
• Closure of AIMAS: An obvious decision:
Various developments in Information Communication Technology (ICT) have been taken place in Indian
Banking System which includes cooperative banks. Some of them are Core Banking Solutions (CBS), Direct
Benefit Transfer (DBT) Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT),
Mobile Banking, installation of ATMs, Internet Banking etc. As a result, the total number of Demand Draft
issued by the banks under AIMAS have come down significantly, as the customers prefer instant transfer
through RTGS and NEFT. Moreover, there was no demand for print and issue of DDs from participating banks
in AIMAS.
On the basis of developments in ICT and its adverse impact on operations under AIMAS, Board of Directors of
NAFSCOB in their meeting held on 27-04-2017 at Mumbai resolved to discontinue in principle the operations
under AIMAS. As resolved by the Board, a Committee was set up to decide the strategy to discontinue the
operations under AIMAS. The Committee has prepared the guidelines/action points/procedure etc. to
discontinue the operations under AIMAS and the same was placed in the meeting of the Board of Directors of
NAFSCOB held on 10-08-2017 at Chennai. The Board of Directors approved the same and this was circulated
to all the member banks under AIMAS to take necessary action at their level. One of the guidelines was that
the cut of date for honour of DDs under AIMAS was fixed as 15-12-2017 and that was the date for complete
stoppage of all transactions under AIMAS.
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NAFSCOB
10.1. Guidelines/Action Points/Procedure to be follow to Discontinue the Operations under AIMAS
Highlights:
• Cut-off date for issuing DDs had been fixed as 15 September 2017 and no DDs shall be issued after 15
September 2017 by member banks of AIMAS.
• Cut-off date for honour of DDs: Cut-off date for honour of DDs under AIMAS had been fixed as
15-12-2017 and that was the date for complete stoppage of all transactions under AIMAS.
• Specimen Signatures: The specimen signatures kept at the level of NAFSCOB and with Member
Banks should be treated as cancelled with effect from 15th December 2017. The files containing
specimen signatures of authorized officers were to be destroyed and appropriate record prepared
and maintained.
• Unused Stock of DDs: The unused stock of DDs under AIMAS held at members level should be
destroyed by the member of AIMAS themselves after verifying and tallying with the stock register
with permission from appropriate level. The same should be communicated to NAFSCOB.
• If any unused stationary remaining at the level of NAFSCOB, the cost should be borne
proportionately by the Member Banks.
• Closing of Current Accounts opened for the purpose of AIMAS Transactions: Accounts need to be
closed provided the account was reconciled and there were no pending receivables and payables.
• Books and Registers maintained under AIMAS: Books and Registers of the transactions under the
scheme were to be kept properly for the purpose of reconciliation and for fulfilling the legal
obligations in the state. These books/registers should be maintained as per the record keeping
policy of the RBI/respective banks and thereafter be lawfully destroyed as per the policy.
• Settlement of AIMAS outstanding dues to NAFSCOB: Participant member banks were required to
remit annual fee of AIMAS membership and the cost of DD formats supplied. Member banks were
requested to remit their dues, if any to NAFSCOB on or before 15th September 2017 toward full and
final settlement of dues.
• Task of reconciliation among all participating banks: Each participant member bank should chart
out a time bound program to reconcile their AIMAS account and eliminate the pending receivables
and payables. The reconciliation of the State Co-operative Bank’s AIMAS account not be completed
unless their constituent DCCBs / UCBs AIMAS transactions were also reconciled.
• All the member SCBs had to convene the meetings of DCCBs and UCBs, who were members of AIMAS
to explain the circumstances leading to the discontinuation of AIMAS and the strategy to be
adopted towards smooth discontinuation of AIMAS.
• The Board of Management of SCBs shall in their meetings resolve to withdraw from AIMAS, and close
the operations under AIMAS constituted by NAFSCOB. Similarly, the Board of Management of SCBs
shall also resolve to withdraw their earlier resolution recommending the DCCBs/UCBs to the AIMAS.
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55TH ANNUAL REPORT
• The Committee constituted at the level of NAFSCOB to oversee implementation of AIMAS stood
dismantled on closure of the scheme i.e. by 31 December 2017. NAFSCOB did not solicit the annual
membership fee under AIMAS w.e.f. 01-04-2018.
• The unutilised DD books have been discarded as on 31-03-2018. The amount received upon
disposal of waste or sale of raddi has been credited to NAFSCOB Account.
11. Planning, Research and Development (PRD) Cell:
NAFSCOB prepared the following Study Reports/Publications and Papers on important aspects/issues
concerning the operations of Short Term Cooperative Credit Structure in 2017-2018 (i.e. April 1, 2017 to
March 31, 2018).
i. ‘Review of disbursement of short term agricultural loans for Rabi and Kharif Crops: 2017-18’.
ii. ‘Basic Data on Performance of State Cooperative Banks: 2016-17’.
iii. ‘Basic Data on Performance of District Central Cooperative Banks: 2016-17’.
iv. ‘Basic Data on Performance of Primary Agricultural Credit Societies: 2016-17’.
v. ‘Directory of District Central Cooperative Banks in India – 2017-18.
vi. ‘Directory of State Cooperative Banks in India’ (Quarterly).
vii. Background Material of National Seminar on ‘Report of the Committee set up by NABARD for
Assessment of Human Resources of STCCS in the Post CBS Environment.
viii. Resent Trends in Rural Cooperative Banks in India.
ix. Information Communication Technology/Digitalization in Short Term Cooperative Credit
Institutions in India.
x. Short Term Cooperative Credit Structure in India.
xi. Financial Services and Poverty Reduction.
xii. Restore Exemptions to SCBs and DCCBs Under 80P.
xiii. The Nashik District Central Cooperative Bank- A Profile
xiv. Micro-Finance in India-Role of Cooperative Banks.
xv. Short Term (ST) Refinance by NABARD to State Cooperative Banks for Financing Seasonal
Agricultural Operations (SAO) during 2012-13 to 2016-17- A Review.
xvi. Role of Cooperative Training Institutes in Human Resource Development
xvii. Proceedings of National Seminar on ‘Report of the Committee Set up by NABARD for Assessment of
Human Resources of STCCS in the Post CBS Environment’
11.1 Dissemination of information in Soft Copy format
NAFSCOB has adopted the practice of making available the soft copy of the following documents also for
the use by the member SCBs and others:
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NAFSCOB
NAFSCOB made available the following documents in the form of Compact Discs:
i. Operational Manual for Cooperative Banks (Revised 2013)
ii. Model Policy on ‘Risk Management in Cooperative Banks’
iii. Model Policy on ‘Information Security Policy of State Cooperative Banks’
iv. Study Report on ‘An Impact Assessment of Interest Subvention Scheme on GoI in Short Term
Cooperative Credit Structure’
v. Roadmap to Enhance the Share of Cooperatives in Agricultural Credit – A Report of the Internal
Committee by NAFSCOB.
vi. Basic Data on performance of SCBs/DCCBs/PACS
vii. Directory of SCBs/DCCBs
12. Conferences, Seminars, Workshops, Meetings, etc.:
NAFSCOB organised the following Conferences/ Workshops/ Seminars/ Meetings during the year 2017-18:
i. NAFSCOB convened the first meeting of the Committee to discontinue the operations under All
India Mutual Arrangement Scheme (AIMAS) at Hyderabad on 29 July 2017 in the meeting room of
Telangana State Cooperative Apex Bank Ltd., Hyderabad.
ii. NAFSCOB organised a special function to present the Annual Performance Awards to winning SCBs
and DCCBs, Subhash Yadav Award for Best Performing PACS and Best Performance Awards to
winning ACSTIs for the year 2015-16 at Chennai, Tamil Nadu on August 11, 2017.
iii. Two State/Regional level meetings at Bhopal on 28-09-2017 and Bengaluru on 07-10-2017 were
organised to facilitate the participant member banks under AIMAS to attend the same to reconcile
their pending entries under AIMAS.
iv. One day National Seminar on ‘National Seminar on ‘Report of the Committee Set Up by NABARD for
Assessment of Human Resources of STCCS in the Post CBS Environment’’ was organised by NAFSCOB
at Mumbai on 13 March, 2018. The Seminar was aimed at facilitating a wide range of consultations
on the recommendations made by the HR Committee. The participants of the seminar were
Chairmen and Chief Executives of State Cooperative Banks, Chairmen and/or Chief Executives of
few identified DCCBs, Re p r e s e n t a t i v e s of NABARD, Re p r e s e n t a t i v e s of
BIRD/CAB/VAMNICOM/NCDC/BISCOMAUN. The participation by the delegates was on self-
financing basis.
13. ‘NAFSCOB Journal of Rural Cooperative Credit and Banking’:
NAFSCOB brings out a quarterly journal entitled ‘NAFSCOB Journal of Rural Cooperative Credit and
Banking’ containing special features/articles, case studies, information/data etc. on cooperative credit
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55TH ANNUAL REPORT
and banking sector. NAFSCOB has been making efforts to improve the quality of presentation and contents
of the journal on various issues related to Cooperative Credit Institutions. ‘NAFSCOB Journal of Rural
Cooperative Credit and Banking’ also provides opportunities to the member banks, various other
cooperative organisations and also the cooperative researchers etc. to disseminate information on their
performance, findings, innovative banking practices and innovations in the banking sector, etc. The said
journal contains the features such as (i) Editorial, (ii) Articles, (iii) Cooperation Abroad, (iv) Special
Features, (v) Reports, (vi) Profile of SCBs/DCCBs, (vii) Recommendations of working groups/committees,
etc. (viii) Memorandums, (ix) RBI/NABARD Circulars, (x) Meetings of the Board of Directors and issues
deliberated, (xi) NAFSCOB Events, (xii) Executive Diary, (xiii) News from Member Banks ,(xiv) Statistics,
(xv) Articles/features in Hindi, etc. the need for active participation of SCBs is felt to make the cost of the
Journal viable and most meaningful.
14. Computerisation in NAFSCOB:
Major operations of NAFSCOB have been computerised. NAFSCOB also has the credit for organising first ever
exposure and orientation programme on computerisation for the benefit of SCBs and DCCBs. NAFSCOB has
its own roadmap for expansion of its activities through computerisation. NAFSCOB implemented the
migration from software of Visual Basic + Microsoft Access + Crystal Reports with regard to publication on
Basic Data of SCBs, DCCBs and PACS to a new software. The proposal to have a hosted, scalable web based
application which will allow SCBs, DCCBs and PACS to directly input data into the system for analysis and
reporting is under active consideration of NAFSCOB. NAFSCOB has identified its IT requirements and
contemplated to computerise the main activities. However, NAFSCOB is still in search of the ‘capabilities’
to manage the activities of computerisations.
Accordingly, a system consisting of multi-user networking environment has been installed and all the
officers in NAFSCOB have been provided with computers to carry out their day-to-day work. NAFSCOB
reviews the existing hardware and the software as well as the requirements of upgrading the computer
system in the office of NAFSCOB and has been taking necessary steps for upgrading the same.
15. Representation and Participation by NAFSCOB:
Chairman and Managing Director of NAFSCOB in their respective capacities have been nominated on various
committees. They attended the meetings of these committees during the year under review.
15.1. Chairman:
Shri Dileep Sanghani, Chairman, NAFSCOB represents on the General Body/Board of Directors/Governing
Council of the following national/international level organisations:
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NAFSCOB
i. National Cooperative Union of India, New Delhi.
ii. National Cooperative Development Corporation (NCDC), New Delhi.
iii. Cooperative Bank of India, New Delhi*
iv. Indian Tourism Cooperative Ltd. (COOPTOUR), New Delhi.
v. National Film & Fine Arts Coop. Ltd., (NAFFAC), New Delhi.
vi. International Cooperative Alliance (ICA), Geneva, Switzerland.
vii. International Raiffeisen Union (IRU), Bonn, Germany.
Chairman, NAFSCOB is also Vice-Chairman of National Agricultural Cooperative Marketing Federation of

India Ltd.(NAFED).
*Dr. Bijender Singh, Ex-MLA, Ex-Chairman, NAFSCOB, Director, NAFSCOB, President, Delhi SCB
represents NAFSCOB.
15.2. Chairman, NAFSCOB attended the following Meetings / Seminars / Conferences / Workshops and
Programmes during April 1, 2017 to March 31, 2018.
i. Shri Dileep Sanghani, Chairman, NAFSCOB attended the 10thAsia-Pacific Cooperative Ministers’
Conference held in Hanoi (Vietnam) from 18-21 April 2017.
ii. Shri Dileep Sanghani, Chairman, NAFSCOB attended the 68th APRACA Executive Committee
Meeting and Regional Policy Forum on Financial Services and Poverty Reduction from 6-7 June,
2017 held in Beijing, China.
iii. Shri Dileep Sanghani, Chairman, NAFSCOB attended the National Seminar organised by COBI on
“Need and Importance of Adoption of Information Communication Technology (ICT) and
Digitalization in Cooperative Banks” from 03 to 06 September, 2017 at Stockholm, Sweden.
iv. Shri Dileep Sanghani, Chairman, NAFSCOB attended the Annual General Body Meeting of NCUI at
New Delhi on 20 September, 2017.
v. Shri Dileep Sanghani, Chairman, NAFSCOB attended the Symposium on “Cooperatives and
Sustainable Development Goals: Member’s Participation” organised by the NCUI one the eve of the
Annual General Body Meeting of NCUI at New Delhi on 20 September, 2017.
vi. Shri Dileep Sanghani, Chairman, NAFSCOB attended a one day Seminar as ‘Sahkar Sammelan’
organised by the Department of Agriculture, Cooperation & Farmers Welfare (Cooperation
Division), Ministry of Agriculture & Farmers Welfare, Government of India at Vigyan Bhavan, New
Delhi to commemorate birth centenary year of Shri Laxman Rao Inamdar ji (Vakil Sahib) on his
centenary birth date i.e. on 21 September, 2017.
vii. Shri Dileep Sanghani, Chairman, NAFSCOB attended Asia-Pacific Cooperative Development
Conference organized by ICA held in Colombo, Sri Lanka from 26 to 29 February, 2018.
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55TH ANNUAL REPORT
15.3. Managing Director:
Shri B. Subrahmanyam, Managing Director, NAFSCOB represents NAFSCOB in the following

national/international level organisations:
i. Member, Advisory Committee, College of Agricultural Banking (CAB), Pune.

ii. Asia and Pacific Rural and Agricultural Credit Association (APRACA), Bangkok.
iii. Network for Development of Agriculture Cooperatives (NEDAC), Bangkok.
iv. Centre for International Co-operation and Training in Agricultural Banking (CICTAB), Pune.
v. Member, ‘Accreditation Board’ for Accreditation of ‘Cooperative Training Institutes’ (CTIs) by C-
PEC, BIRD, Lucknow.
15.4. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the following Meetings / Seminars /
Conferences / Workshops and Programmes during April 1, 2017 to March 31, 2018:
i. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the 56th College Advisory
Committee (CAC) meeting of the CAB, Reserve Bank of India at Pune on April 07, 2017.
ii. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the 10th Asia-Pacific Cooperative
Ministers’ Conference held in Hanoi (Vietnam) from 18-21 April 2017.
iii. Shri B. Subrahmanyam, Managing Director, NAFSCOB along with Shri Balu Iyer, Regional Director,
International Co-operative Alliance Aisa and Pacific visited Aizwal, Mizoram from May 03 to 05,
2017. Both Shri B. Subrahmanyam and Shri Balu Iyer met Pu Lalsawta, Hon. Minister of Finance,
Planning and Law, Govt. of Mizoram; Pu Lalmalsawma, IAS, Chief Secretary and Pu Sang Dingliana,
IAS, Secretary (Co-operation), Govt. of Mizoram; Pi. T. Lalmuanpuii, Chairperson and Shri
Lalzuahliana (Zuaha), Chief Executive Officer, Mizoram Cooperative Apex Bank Ltd (MCAB); among
others viz., the senior officials of the Department of Cooperation, the Office of the Registrar of
Cooperative Society, the Mizoram Cooperative Apex Bank Ltd., the Mizoram Milk Producers
Cooperative Union Limited (MULCO), the Mizoram State Cooperative Union Limited (MSCU), the
Cooperative Federation of Pig Producers in Mizoram (PIGFED), RICEFED/MIZOFED, ZOFISFED,
MAHCO, Zuangtui Weaving Cooperative Society, Chhinga Veng, etc. and discussed the landscape of
Cooperatives in Mizoram.
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NAFSCOB
iv. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the 68th APRACA Executive
Committee Meeting and Regional Policy Forum on Financial Services and Poverty Reduction from 6-
7 June, 2017 held in Beijing, China.
v. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the National Review of State
Cooperative Banks organised by NABARD at New Delhi on 10 July 2017 to review the performance of
Cooperative Banks as on 31 March, 2017.
vi. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the Seminar on “SHG - Bank Linkage
Programme” to commemorate Silver Jubilee of SHG movement organised by NABARD at New Delhi
on 11 July 2017 on the eve of NABARD’s 36th Foundation Day.
vii. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the National Seminar organised by
COBI on “Need and Importance of Adoption of ICT and Digitalization in Cooperative Banks” from
03 to 06 September, 2017 at Stockholm, Sweden. He has been also invited as Resource Person to the
Seminar.
viii. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the Symposium on “Cooperatives
and Sustainable Development Goals: Member’s Participation” organised by the NCUI, one the eve
of the Annual General Body Meeting of NCUI at New Delhi on 20 September, 2017.
ix. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended a one day Seminar as ‘Sahkar
Sammelan’ organised by the Department of Agriculture, Cooperation & Farmers Welfare
(Cooperation Division), Ministry of Agriculture & Farmers Welfare, Government of India at Vigyan
Bhavan, New Delhi to commemorate birth centenary year of Shri Laxman Rao Inamdar ji (Vakil
Sahib) on his centenary birth date i.e. on 21 September, 2017.
x. Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attend the meeting convened to facilitate
reconciliation of pending entries under AIMAS at the Karnataka State Cooperative Apex Bank Ltd.,
Bengaluru on 07 October, 2017.
xi. Shri B. Subrahmanyam, Managing Director, NAFSCOB visited the Karnataka State Cooperative Apex
Bank Ltd., Bangalore on 31 October, 2017.
xii. Shri B. Subrahmanyam, Managing Director, NAFSCOB visited Nashik to hold discussions with officers
of the the Nasik District Central Cooperative Bank Ltd., Nasik on 04 November, 2017 to understand
their bank profile more particularly to assess the impact of demonetisation.
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xiii. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended a two day consultation meeting of
the Working Group Committee for designing the course on Corporate Governance for Board of
Directors/Leaders in Cooperatives at C-PEC, BIRD, Lucknow on 06-07 November, 2017.
xiv. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the Golden Jubilee Celebration of
the Nagaland State Cooperative Bank Ltd., Dimapur on 10 November, 2017.
xv. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended the ICA General Assembly at Kuala
Lumpur, Malaysia during 14-17 November, 2017.
xvi. Shri B. Subrahmanyam, Managing Director, NAFSCOB has been invited as Speaker to the 8th Mont
Blanc Meetings organised by the Social and Solidarity Economy (SSE) International Forum on the
theme paper “Efficient Responses to Sustainable Impacts: Social Cohesion, Solidarity and
Inclusion’ in Archamps, Great French Geneva, France during 06-08 December, 2017.
xvii. Shri B. Subrahmanyam, Managing Director, NAFSCOB and Shri K Ravinder Rao, President, Telangana
State Cooperative Apex Bank Ltd., had discussion with Dr. Bancel Jean-Louis, President, COOP FR,
Paris & Chairman, International Cooperative Banking Association (ICBA) on 08 December 2017 at
the COOP FR Office located at 76, rue Saint-Lazare.
xviii. Shri B. Subrahmanyam, Managing Director, NAFSCOB addressed the National Seminar on the
occasion of 8th Kerala Co-operative Congress held at Kannur, Kerala on 11th February, 2018.
xix. Shri B. Subrahmanyam, Managing Director, NAFSCOB visited the office of The Goa State Coop. Bank
Ltd. on 21st February, 2018.
xx. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended meeting of General Council of
Centre for International Cooperation and Training in Agricultural Banking (CICTAB), Pune held on
23rd February, 2018 at New Delhi.
xxi. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended Asia-Pacific Cooperative

Development Conference organized by ICA held in Colombo, Sri Lanka from 26 to 29 February,
2018.
xxii. Shri B. Subrahmanyam, Managing Director, NAFSCOB attended One Day Conference on Cooperative
Development for Southern States on 10th March 2018 at Regional Institute of Cooperative
Management (RICM), Bengaluru held by NCUI.
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NAFSCOB
16. Accounts and Finance:
The Statutory Audit of the NAFSCOB Accounts for the year ended March 31, 2018 was conducted by
M/s. Amit Khatiwala & Co., Chartered Accountants, Mumbai. The Audited Statement of Accounts for the
year ended March 31, 2018 and the Audit Report are presented separately.
The comparative position of ‘Assets & Liabilities’ and ‘Income & Expenditure’ for the year ended March 31,
2018 and March 31, 2017 are given in the following tables:
ASSETS & LIABILITIES

(? in lakhs)
LIABILITIES As on ASSETS As on
31.03.2018 31.03.2017 31.03.2018 31.03.2017
Reserves and other 466.27 452.77 Cash and Bank 34.33 23.32
Funds Balance
International 78.86 97.34 Investments 478.13 419.17
Education and
Exposure Fund
Current Liabilities 61.02 58.34 Interest Accrued 6.20 2.22
& Provision and Outstanding
Income & 32.08 9.44 Fixed Assets 20.95 23.54
Expenditure A/c
Grant-in-Aid Recd. 20.00 -- AIMAS Stock -- 3.00
From Government
of India
Welfare Fund 22.95 21.24
Subhash Yadav 1.00 1.00

Awards for PACS’
Advance, Deposit 18.67 18.90
& AIMAS Dues
Grant-in-Aid -- 10.50
receivable from
Govt. of India
Assistance 1.00 --
receivable from
NCUI for National
Seminar
International 75.00 95.00
Education and
Exposure Fund
Total 658.23 617.89 Total 658.23 617.89
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INCOME & EXPENDITURE ACCOUNT
INCOME
(? in lakhs)
Sr. Particulars 2017-18 2016-17 Variations
No.
1 Annual Membership Subscription 127.00 121.00 +6.00
2 AIMAS Membership/Admission Fee 4.61 2.90 +1.71
3 Interest received on Investment 39.47 45.64 -6.17
4 Grant-in-Aid from Govt. of India* 20.00 10.50 +9.50
5 Contribution received 6.02 14.72 -8.70
6 Dividend from Coop. organisation 0.15 0.15 0.00
7 AIMAS Receipts -- 0.01 -0.01
Total 197.25 194.92 +2.33
EXPENDITURE
(? in lakhs)
Sr. Particulars 2017-18 2016-17 Variations
No.
1 Cost of Management:
a) Salaries 51.38 64.05 -12.67
b) P.R.D. Cell Account 63.50 64.08 -0.58
c)Administrative & Other Expenses 28.03 32.11 -4.08
2 Membership Fees 8.92 8.71 +0.21
3 Workshops/Conferences/Seminars 2.00 4.33 -2.33
Expenses
4 AIMAS Expenses 0.00 0.13 -0.13
5 Publication Expenses 0.66 0.44 +0.22
6 Property Tax 0.58 0.58 --
7 Meeting Expenses 4.79 5.15 -0.36
8 Depreciation of Fixed Assets 2.59 2.94 -0.35
9 Legal & Professional charges 1.06 0.97 +0.09
10 Loss on sale of Assets 0.00 0.02 -0.02
11 Exp. for preparing report of Internal 0.00 0.69 -0.69
Committee to prepare a roadmap to
enhance the share of cooperatives in
Agricultural Credit
12 Transfer to Reserve Funds 11.81 0.00 +11.81
13 Excess of Income over Expenditure 21.93 10.72 +11.21
Total 197.25 194.92 +2.33
68
NAFSCOB
Note:
1. It may be observed from the above statement that there is a ‘Gross Surplus’ of ? 33.74 lakhs (i.e.
? 11.81 lakhs + ? 21.93 lakhs) as on 31.03.2018 as against ? 10.72 lakhs as on 31.03.2017.
2. As per provision of disposal of surplus:
a) 25% of Gross Surplus is transferred to General Reserve Fund
b) 10% of Gross Surplus is transferred to General Reserve Fund for meeting unforeseen losses.
3. Net Surplus is ? 21.93 lakhs.
4. The ‘Total Expenditure’ for the year 2017-18 was ? 163.51 lakhs as against ? 184.20 lakhs during the
preceding year.
5. The details of expenditure towards ‘Planning, Research and Development Cell’ is given below:
EXPENDITURE FOR PRD CELL

(? in lakhs)
Sr. Particulars 2017- 2016-17 Variations
No. 18
1 Salaries & Allowance of the staff in PRD 59.12 58.73 +0.39
Cell (including TA & DA)
2 Printing & Stationery, Postage & 2.80 3.49 -0.69

Telegram, Publication, Telephone etc.
3 Conferences/Workshops/Seminars/ 1.56 1.86 -0.30

Trainings etc.
Total 63.48 64.08 -0.60
69
55TH ANNUAL REPORT
17. Acknowledgements:
The Board wish to place on record its gratitude to the GoI, RBI and NABARD for their continued support to NAFSCOB.
The Board also thankfully acknowledges the continued support and encouragement received from Government of
India during the year. The Board also records its appreciation of the keen interest shown by Union Ministry of
Finance and Union Ministry of Agriculture & Farmers Welfare particularly Department of Cooperation in the
development of cooperative credit sector. The Board appreciates the initiatives of NABARD towards the growth and
development of short term cooperative credit structure and also in supporting NAFSCOB in its endeavour to work for
strengthening of member SCBs. Further, the Board places on record, the cooperation and close coordination
maintained by the organisations such as NCUI; COBI; NCDC; National Council for Cooperative Training (NCCT); CAB;
Bankers Institute of Rural Development (BIRD), VAMNICOM, Indian Banks’ Association (IBA), Indian Institute of
Banking and Finance (IIBF), NAFED, NAFFAC, ISSC, COOPTOUR, CICTAB etc. and International Organisations such as
ICA, ICA Thematic Committees such as ICBA, International Cooperative Agricultural Organisation (ICAO) etc., IRU,
APRACA, NEDAC.
NAFSCOB could effectively play its role as a federal body due to the active involvement of the Chairmen and Chief
Executives of all member State Cooperative Banks. The Board places on record its high appreciation of their
commitment in building up the NAFSCOB as an effective organisation in the cooperative credit & banking sector.
The good performance achieved by NAFSCOB during this year also has, in large measure, been the result of
continued sustained efforts and dedicated services put in by Shri B. Subrahmanyam, Managing Director and the
Board place on record their high appreciation of his services. The Board also appreciates the supportive role played
by members of the staff at all levels.
On behalf of the Board of Directors of NAFSCOB
(DILEEP SANGHANI)
Ex. M.P./Ex. Minister, Gujarat
CHAIRMAN
70
NAFSCOB
LIST OF A P P E N D I C E S
Sr.No. Appendix Details Page No.
Appendix – 1 Agriculture Production - At a Glance -2014-15 to 2017-18 72

Appendix – 2 Status of Bank Rate since 1935 73
Appendix – 3 Status of Cash Reserve Ratio (CRR) - Since July 1935 74-76
Appendix – 4 State-wise sanctions and utilisation of Credit Limits to S.T.(SAO), ST-Weavers, MT 77
(Conversion) during the year 2017-18
Appendix – 5 Cooperative Development Fund - Assistance sanctioned to Cooperative Credit 78
Institutions as on 31.03.2018
Appendix – 6 Kisan Credit Card - Progress -2017-18 79
Appendix – 7 Kisan Credit Card – Agency-wise cumulative Progress since inception – 2017-18 80
Appendix – 8 Performance of SCBs during 2016-17 vis-à-vis 2015-16 – Statistical Presentation 81
Appendix – 8A SCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 (Membership) – 82
Appendix – 8B SCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 83
Appendix – 8C SCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 84
Appendix – 9 Performance of DCCBs during 2016-17 vis-à-vis 2015-16 – Statistical Presentation 85
Appendix – 9A DCCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 (Membership) 86
– Graphic Presentation
Appendix – 9B DCCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 87
Appendix – 9C DCCBs - Performance at a Glance during 2016-17 vis-à-vis 2015-16 88
Appendix – 10 Performance of PACS during 2016-17 vis-à-vis 2015-16 – Statistical Presentation 89
Appendix – 10A PACS - Performance at a Glance during 2016-17 vis-à-vis 2015-16 (Membership) – 90
Appendix – 10B PACS - Performance at a Glance during 2016-17 vis-à-vis 2015-16 91
Appendix – 10C PACS - Performance at a Glance during 2016-17 vis-à-vis 2015-16 92
Appendix – 11 Grant-in-Aid from the Ministry of Agriculture, Govt. of India to NAFSCOB 93
Appendix – 12 Managing Director and Officers of NAFSCOB (as on 31.03.2018) 94
71
55TH ANNUAL REPORT
Appendix – 1
AGRICULTURE PRODUCTION –AT A GLANCE
(2014-15 TO 2017-18)
(Million Tonnes )
CROP Final Estimates 2017-18
2014-15 2015-16 2016-17 Targets 2nd

Advance
Estimates
Rice
(Total) 105.48 104.41 109.70 108.50 111.01
Kharif 91.39 91.41 96.30 94.50 96.48
Rabi 14.09 13.00 13.40 14.00 14.53
Wheat 86.53 92.29 98.51 97.50 97.11
Coarse Cereals 42.86 38.52 43.77 45.65 45.42
(Total)
Kharif 30.94 28.15 32.44 33.75 33.15
Rabi 1.61 10.37 11.33 11.90 12.27
Pulses 17.15 16.35 23.13 22.90 23.95
(Total)
Kharif 5.73 5.53 9.58 8.75 8.83
Rabi 11.42 10.82 13.55 14.15 15.11
Food Grains 252.02 251.57 275.11 274.55 277.49
(Total)
Kharif 128.06 125.09 138.33 137.00 138.46
Rabi 123.96 126.47 136.78 137.55 139.02
Oil Seeds (Nine) 275.11 252.51 312.76 355.00 298.82
(Total)
Kharif 191.89 166.80 215.13 254.00 203.61
Rabi 83.21 85.71 97.62 101.00 95.20
Other Commercial 4082.64 3889.77 3496.08 4022.00 3976.46
Crops
(Total)
Sugarcane 3623.33 3484.48 3060.69 3550.00 3532.26
Cotton * 348.05 300.05 325.77 355.00 339.15
Jute & Mesta ** 111.26 105.24 109.62 117.00 105.05
* Lakh bales of 170kg. each
** Lakh bales of 180kg. each
Source: Directorate of Economics and Statistics, Dept. of Agri. & Cooperation, Ministry of Agriculture, GoI
(http://agricoop.gov.in/sites/default/files/2ND_ADV_EST_APY_201718_E.pdf)
72
NAFSCOB
STATUS OF BANK RATE SINCE 1935
Appendix – 2
Effective Date Bank Rate (%)
05 -07 -1935 3.50

28 -11 -1935 3.00
15 -11 -1951 3.50
16 -05 -1957 4.00
03 -01 -1963 4.50
26 -09 -1964 5.00
17 -02 -1965 6.00
02 -03 -1968 5.00
09 -01 -1971 6.00
31 -05 -1973 7.00
23 -07 -1974 9.00
12 -07 -1981 10.00
04 -07 -1991 11.00
09 -10 -1991 12.00
16 -04 -1997 11.00
26 -06 -1997 10.00
22 -10 -1997 9.00
17 -01 -1998 11.00
19 -03 -1998 10.50
03 -04 -1998 10.00
29 -04 -1998 9.00
02 -03 -1999 8.00
02 -04 -2000 7.00
22 -07 -2000 8.00
17 -02 -2001 7.50
02 -03 -2001 7.00
23 -10 -2001 6.50
30 -10 -2002 6.25
30 -04 -2003 6.00
2004 -2005 6.00
2005 -2006 6.00
2006 -2007 6.00
2007 -2008 6.00
2008 -2009 6 .00
2009 -2010 6.00
2010 -20 11 6.00
2011 -12 (w.e.f. -13.02.2012) 9.50
2011 -12 (w.e.f. -17.04.2012) 9.00
2012 -13 (w.e.f. -29.01.2013) 8.75
2012 -13 (w.e.f. -19.03.2013) 8.50
2012 -13 (w.e.f. -03.05.2013) 8.25
2012 -13 (w.e.f. -15.07.2013) 10.25
2012 -13 (w.e.f .- 20.09.2013) 9.50
2012 -13 (w.e.f. -07.10.2013) 9.00
2012 -13 (w.e.f. -29.10.2013) 8.75
2013 -14 (w.e.f. -28.01.2014) 9.00
2013 -14 (w.e.f. -01.04.2014) 9.00
2014 -15 (w.e.f. 15 -01 -2015) 8.75
2014 -15 (w.e.f. 04 -03 -2015) 8.50
2015 -16 (w.e.f. 02 -06 -2015) 8.25
2015 -16 (w.e.f. 29 -09 -2015) 7.75
2016 -17 (w.e.f. 04 -10 -2016) 6.75
2017 -18 (w.e.f. 02 -08 -2017) 6.25
Source:- Reserve Bank Of India
73
55TH ANNUAL REPORT
Appendix –3
STATUS OF CASH RESERVE RATIO (CRR) – SINCE JULY 1935
CRR on Net Demand and Time liabilities (Percent) Effective (Fortnight beginning) from
a) 5.00% of DT ( b) 2.00% of DT July 05, 1935
a) 5.00% of DT ( b) 2.00% of DT @ March 06, 1960
a) 5.00% of DT (b) 2.00% of DT @ May 06, 1960
a) 5.00% of DT (b) 2.00% of DT November 11, 1960
3.00 September 16, 1962
5.00 June 29, 1973
6.00 September 08, 1973
7.00 September 22, 1973
5.00 July 01, 1974
4.50 December 14, 1974
4.00 December 28, 1974
5.00 September 04, 1976
6.00 November 13, 1976
6.00 @ January 14, 1977
6.00 @ July 01, 1978
6.00 @ June 05, 1979
6.50 July 31, 1981
7.00 August 21, 1981
7.25 November 27, 1981
7.50 December 25, 1981
7.75 January 29, 1982
7.25 April 09, 1982
7.00 June 11, 1982
7.50 May 27, 1983
8.00 July 29, 1983
8.50 August 27, 1983
8.50 @ November 12, 1983
9.00 @ February 04, 1984
9.00 @ October 27, 1984
9.00 @ December 01, 1984
9.00 @ October 26, 1985
9.00 @ November 22, 1986
9.50 @ February 28, 1987
9.50 @ May 23, 1987
10.00 @ October 24, 1987
10.00 @ April 23, 1988
10.50 @ July 02, 1988
11.00 @ July 30, 1988
15.00 @ July 01, 1989
15.00 @ May 04, 1991
15.00 @ January 11, 1992
15.00 @ April 21, 1992
15.00 @ October 08, 1992
14.50 April 17, 1993
14.50 June 11, 1994
14.75 July 9, 1994
74
NAFSCOB
15.00 August 6, 1994

14.50 November 11, 1995
14.00 December 9, 1995
13.50 April 27, 1996
13.00 May 11, 1996
12.00 July 6, 1996
11.50 October 26, 1996
11.00 November 9, 1996
10.50 January 4, 1997
10.00 January 18, 1997
9.75 October 25, 1997
9.50 November 22, 1997
10.00 December 06, 1997
10.50 January 17, 1998
10.25 March 28, 1998
10.00 April 11, 1998
11.00 August 29, 1998
10.50 March 13, 1999
10.00 May 8, 1999
9.50 November 6, 1999
9.00 November 20, 1999
8.50 April 08, 2000
8.00 April 22, 2000
8.25 July 29, 2000
8.50 August 12, 2000
8.25 February 24, 2001
8.00 March 10, 2001
7.50 May 19, 2001
5.75 November 3, 2001
5.50 December 29, 2001
3.00 December 31, 2001 #
5.50 January 12, 2002
5.00 June 01, 2002
4.75 November 16, 2002
4.50 June 14, 2003
5.00 October 02, 2004
5.00 2004-2005
5.00 2005-2006
5.25 December 23, 2006
5.50 January 06, 2007
5.75 February 17, 2007
6.00 March 03, 2007
6.25 April 14, 2007
6.50 April 28, 2007
7.00 August 04, 2007
7.50 November 10, 2007
7.75 26.04.2008
75
55TH ANNUAL REPORT
8.00 10.05.2008
8.25 24.05.2008
8.50 05.07.2008
8.75 19.07.2008
9.00 30.08.2008
8.50 11.10.2008
7.50 11.10.2008
6.50 11.10.2008
6.00 25.10.2008
5.50 08.11.2008
5.00 17.01.2009
5.50 13.02.2010
5.75 27.02.2010
6.00 24.04.2010
5.50 28.01.2012
4.75 10.03.2012
4.50 22.09.2012
4.25 03.11.2012
4.00 09.02.2013
Note:
i. DL: Demand Liabilities.
ii. TL: Time Liabilities.
iii. @: Accompanied with additional reserve requirements of CRR on incremental NDTL.
iv. .#:Exemption to maintain a minimum statutory level of CRR has been withdrawn to scheduled SCBs w. e. f. December 31, 2001 and
they are brought on par with commercial banks w. e. f. January 01, 2002.
v. Bank Rate: 6% (upto 12.02.2012)
vi. Bank Rate: 9% (from 28.01.2014)
vii. Bank Rate: 8.50% (from 04.03.2015)
viii. Bank rate: 8.25% (from 02.06.2015)
ix. Bank Rate 7.75% (from 29-09-2015)
x. Bank Rate 6.75% (from 8-02-2017)
xi. Bank rate 6.50% (from 07-06-2017)
xii. Bank Rate 6.25% (from 02-08-2017)
xiii. Repo-Rate – 8% and Reverse Repo-Rate 7% w.e.f. 28.01.2014
xiv. Repo-Rate – 7.75% and Reverse Repo-Rate 6.75% w.e.f. 15.01.2015
xv. Repo-Rate – 7.50% and Reverse Repo-Rate 6.50% w.e.f. 04.03.2015
xvi. Repo-Rate – 7.25% and Reverse Repo Rate 6.25% w.e.f.02.06.2015
xvii. Repo-Rate – 6.50% and Reverse Repo Rate 6.00% w.e.f.29.09.2015
xviii. Repo-Rate – 6.25% and Reverse Repo Rate 5.75% w.e.f.04.10.2016
xix. Repo-Rate – 6.25% and Reverse Repo Rate 6.00% w.e.f.06.04.2017
xx. Repo Rate – 6.00% and Reverse Repo Rate 5.75% w.e.f.02.08.2017
xxi. Liabilities of scheduled banks arising from transactions in “Collateralised Borrowing and Lending Obligation” (CBLO) with Clearing
Corporation of India Ltd. (CCIL) is subject to maintenance of CRR with effect from the fortnight beginning November 21, 2009 (RBI Mid
Term Review – 27.10.2009)
SLR for Scheduled Commercial / Co-operative Banks:
a) SLR upto 08.11.2008 – 25%
b) SLR From 08.11.2008 to 07.11.2009 – 24%
c) SLR From 07.11.2009 – 25%
d) SLR From 18.12.2010 – 24%
e) SLR From 11.08.2012 - 23%
f) SLR From 14.06.2014 – 22.50%
g) SLR for Scheduled Cooperative Banks continues to be 25%,
h) SLR for Scheduled Cooperative Banks w.e.f. 12-07-2014 – 22.50%
i) SLR for Cooperative Banks w.e.f. 09-08-2014 – 22.00%
j) SLR for Cooperative Banks w.e.f. 07-02-2015 – 21.50%
k) SLR for Cooperative Banks w.e.f. 04-10-2016 – 20.75%
l) SLR for Cooperative Banks w.e.f. 07-11-2016 – 20.50%
m) SLR for Cooperative Banks w.e.f. 24-06-2017 – 20.00%
n) SLR for Cooperative Banks w.e.f. 14-10-2017 – 19.50%
SAVINGS BANK – RATE OF INTEREST:
a) 4% w.e.f. 03.05.2011 and upto 24.10.2011
b) Interest Rate on S.B. Deposits has been deregulated w.e.f. 25.10.2011
CRR for Non-Scheduled SCBS and all DCCBs:
a) CRR from 3.00 to 4.00 w.e.f. 12.07.2014 (RPCD.RCB.BC.No. 110 /07.51.020/2013-14 June 5, 2014)
76
APPENDIX - 4
STATE-WISE SANCTIONS AND UTILISATION OF SHORT TERM (ST) CREDIT LIMITS FOR SEASONAL AGRICULTURAL OPERATIONS (SAO),
NWR, ST-WEAVERS, ST-OTHERS & MT(CONVERSION) DURING THE YEAR 2017-18 - STATE COOPERATIVE BANKS (? in Lakhs)
ST(SAO) ST(Weavers) ST(Others) MT(Conversion)
Sr. Name of State Limits Maximum Limits Maximum Limits Maximum Limits Maximum
No. sanctioned outstandings- sanctioned outstandings- sanctioned outstandings- sanctioned outstandings-
(utilisation) (utilisation) (utilisation) (utilisation)
1 3 4 5 6 7 8 9 10
1 Andhra Pradesh 324000 324000 3027 2500 135000 130599

NAFSCOB
Andaman &
2 Nicober 200 200
3 Assam 318 318
4 Bihar 12091 12091
5 Chattisgarh 102500 102500
6 Gujarat 182300 182300
7 Haryana 380000 380000 20000 20000
8 Himachal Pradesh 63000 63000
9 Karnataka 353000 353000
10 Kerala 140000 140000 71000 70750
11 Madhya Pradesh 482000 482000 19000 18300
77
12 Maharashtra 344000 344000 11660 11660
13 Meghalaya 700 700
14 Mizoram 319 319
15 Nagaland 500 500
16 Odisha 463067 463067
17 Puducherry 61 61
18 Punjab 338116 338116 52800 52800
19 Rajasthan 554000 554000 100 100
20 Sikkim 210 210
21 Tripura 3500 3500
22 Tamil Nadu 209000 209000
23 Telengana 194000 194000 20000 20000
24 Uttar Pradesh 152085 152085
25 Uttarakhand 62500 62500
26 West Bengal 138533 138533
TOTAL 4500000 4500000 3027 2500 317900 312549 11660 11660

Source: NABARD
APPENDIX - 5
Cooperative Development Fund (CDF) - Statement of Assistance Disbursed
(As on 31 March 2018) (? in Lakhs)
Infrastructure Exposure Conference/ Worksh CBS& DCBS Trainings by
Visits Seminars/ SOFTCOB
facilities ODI op(DOS PDC (L1 Help Coop. Banks Others Total
SN State Coops Meeting (CTIs)
(PACS) +IDD) Desk) (StCB/CCBs)
1 2 3 4 5 6 7 8 9 10 11 12 13
1 Andaman & Nicobar 4.00 0.94 0.57 0.00 0.00 0.00 2.59 0.00 0.00 0.00 8.10
2 Andhra Pradesh 9.87 14.88 0.04 9.00 0.00 52.96 5.11 0.00 0.00 0.00 91.86
3 Arunachal Pradesh 7.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.20
4 Assam 3.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.83 0.00 6.30
5 Bihar 0.00 0.00 0.00 0.00 0.00 6.14 3.57 0.00 0.00 1.14 10.85
6 Chattisgarh 0.00 0.00 0.17 2.12 0.00 0.00 5.54 5.32 0.00 0.00 13.15
7 Goa 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 Gujarat 7.39 13.37 0.00 0.00 0.17 75.26 6.11 14.58 0.00 0.00 116.88
9 Haryana 7.56 0.66 0.05 0.00 0.00 33.35 2.36 13.88 0.00 0.00 57.86
10 Himachal Pradesh 4.00 0.00 0.51 0.00 0.00 29.79 0.00 0.00 0.00 0.00 34.30
11 J&K 0.00 0.00 0.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.83
55TH ANNUAL REPORT
12 Jharkhand 0.00 0.00 4.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.74
13 Karnataka 9.45 2.47 1.23 0.00 0.00 67.91 2.42 5.63 0.00 0.00 89.11
14 Kerala 9.59 -8.32 0.94 -2.92 0.00 89.97 6.14 7.91 11.30 0.65 115.26
15 Madhya Pradesh 0.00 0.00 1.02 0.00 0.00 23.40 22.50 146.38 0.00 0.00 193.30
78
16 Maharashtra 0.00 1.94 0.00 0.00 0.60 72.42 0.00 0.00 0.00 0.00 74.96
17 Manipur 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 Meghalaya 0.00 0.00 0.00 0.00 0.00 0.00 5.44 0.00 0.00 0.00 5.44
19 Mizoram 10.00 2.44 0.00 0.00 0.00 0.00 9.08 0.00 0.00 1.83 23.35
20 Nagaland 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
21 Odisha 9.58 54.44 1.47 0.00 0.24 46.96 0.00 0.00 18.07 0.00 130.76
22 Punjab 7.47 0.00 0.00 6.48 0.00 84.14 0.00 0.38 0.00 0.00 98.47
23 Rajasthan 0.00 0.00 0.07 0.00 0.00 13.64 10.96 0.00 0.00 0.00 24.67
24 Sikkim 1.08 0.00 0.00 0.00 0.00 0.00 4.07 0.00 0.00 0.00 5.15
25 Tamil Nadu 0.00 8.00 0.00 8.61 0.00 110.97 0.00 1.20 0.00 0.00 128.78
26 Telangana 7.54 0.00 0.00 2.47 0.34 97.61 14.66 0.00 0.00 0.00 122.62
27 Tripura 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
28 Uttarakhand 1.47 0.00 0.00 0.00 0.01 7.95 10.37 0.00 0.00 0.00 19.80
29 Uttar Pradesh 0.00 0.00 0.00 5.82 0.81 145.35 15.69 8.15 0.00 0.00 175.82
30 West Bengal 0.00 0.00 0.00 0.00 0.22 36.54 18.54 0.00 0.00 0.00 55.30
Total of Ros 99.67 90.82 11.64 31.58 2.39 994.36 145.15 203.43 32.20 3.62 1614.6
Head Office (BIRD
(LMB)), C-PEC, 0.00 0.00 9.41 0.00 0.00 0.00 0.00 0.00 123.40 136.25 269.06
NABCONS
Grand Total 99.67 90.82 21.05 31.58 2.39 994.36 145.15 203.43 155.60 139.87 1883.2
Note: (-) indicates, provision reversed by Regional Office

Source: NABARD
APPENDIX - 6
STATE-WISE AND AGENCY-WISE NEW KCCS - ISSUED AND AMOUNT OUTSTANDING -
DURING THE YEAR - 2017- 2018 ( ? in Crores)
Cooperative Banks Regional Rural Banks Total
Sr. No. Amt. Amt.
State / UT Cards issued Cards issued Cards issued Amt. sanctioned
sanctioned sanctioned
1 Andhra Pradesh 69746 523.22 105974 939.36 175720 1462.58
NAFSCOB
2 A & N island 147 0.42 0 0.00 147 0.42

3 Arunachal Pr 0 0.00 0 0.00 0 0.00
4 Assam 915 5.81 107152 413.18 108067 418.99
5 Bihar 4484 12.24 53721 336.78 58205 349.02
6 Chattisgarh 1539 3.12 17588 56.49 19127 59.61
7 Goa 118 1.30 0 0.00 118 1.30
8 Gujarat 11529 131.11 39224 547.45 50753 678.56
9 Haryana 213 0.22 40790 1142.59 41003 1142.81
10 Himachal Pr 11456 156.68 6475 528.55 17931 685.23
11 Jammu & K 1064 11.05 6225 60.52 7289 71.57
12 Jharkhand 606 1.77 74531 284.65 75137 286.42
13 Karnataka 215831 1365.67 132151 1526.71 347982 2892.38
14 Kerala 128521 824.58 23492 284.20 152013 1108.78
79
15 Madhya Pr 447836 1171.89 19722 282.83 467558 1454.72
16 Maharashtra 61660 73.45 40077 149.91 101737 223.36
17 Manipur 416 0.00 3704 10.62 4120 10.62
18 Meghalaya 135 0.62 1203 5.95 1338 6.57
19 Mizoram 307 1.79 4081 27.01 4388 28.80
20 Nagaland 0 0.00 0 0.00 0 0.00
21 New Delhi 98 1.99 0 0.00 98 1.99
22 Orissa 39365 1305.74 54235 592.18 93600 1897.92
23 Puducherry 2 0.01 102 0.97 104 0.98
24 Punjab 1812 11.56 12453 419.41 14265 430.97
25 Rajasthan 109021 149.89 112771 2468.06 221792 2617.95
26 Sikkim 95 0.22 0 0.00 95 0.22
27 Tamil Nadu 67266 711.87 56464 252.29 123730 964.16
28 Telangana 49420 236.57 92464 437.05 141884 673.62
29 Tripura 8626 34.24 15642 48.73 24268 82.97
30 Uttar Pradesh 54760 107.05 505056 6180.70 559816 6287.75
31 Uttarakhand 2028 5.12 685 9.00 2713 14.12
32 West Bengal 40496 91.77 40518 65.44 81014 157.21
TOTAL 1329512 6940.97 1566500 17070.63 2896012 24011.60
Source: NABARD
APPENDIX - 7
STATE-WISE AND AGENCY-WISE OPERATIVE / LIVE KCCs AND AMOUNT OUTSTANDING -
CUMULATIVE AS ON 31 MARCH 2018 (? In crores)
Cooperative Banks Regional Rural Banks Total
Sr. No. State / UT Amt. Amt. Amount
Cards issued Cards issued Cards issued
outstanding outstanding outstanding
1 Andhra Pradesh 1,544,869 7334.27 842,937 8132.00 2,387,806 15466.27
2 A & N Islands 4,781 13.35 4,781 13.35
3 Arunachal Pradesh 958 1.97 3025 13.21 3,983 15.18
4 Assam 2909 11.30 284434 1036.35 287,343 1047.65
5 Bihar 140,660 328.90 1,361,181 7958.60 1,501,841 8287.50
6 Chhattisgarh 989,632 1,556.34 178,526 1,030.69 1,168,158 2587.03
7 Goa 2,337 19.85 2,337 19.85
8 Gujarat 1,066,653 8559.04 304,644 4289.32 1,371,297 12848.36
9 Haryana 1,195,895 9,335.44 241,338 6,157.70 1,437,233 15493.14
10 Himachal Pradesh 92,188 1329.94 40,798 524.15 132,986 1854.09
55TH ANNUAL REPORT
11 Jammu & Kashmir 11,291 58.93 64,867 607.91 76,158 666.84

12 Jharkhand 19,694 33.14 369,409 1413.42 389,103 1446.56
13 Karnataka 2,446,970 11663.82 719,319 9134.66 3,166,289 20798.48
14 Kerala 628,858 2,989.81 148,611 1274.65 777,469 4264.46
80
15 Madhya Pradesh 5,773,721 14970.82 501,067 6909.95 6,274,788 21880.77
16 Maharashtra 3,704,092 19,214.90 348,299 2,416.03 4,052,391 21630.93
17 Manipur 410 0.68 8,410 25.98 8,820 26.66
18 Meghalaya 16,522 31.40 19,232 98.54 35,754 129.94
19 Mizoram 835 6.81 13,237 70.32 14,072 77.13
20 Nagaland 4,236 13.56 950 1.70 5,186 15.26
21 New Delhi 687 12.47 687 12.47
22 Odisha 2,873,202 9090.23 580,740 2470.82 3,453,942 11561.05
23 Puducherry 5,985 4.24 1,390 10.89 7,375 15.13
24 Punjab 953,226 7,172.79 137,513 4,591.33 1,090,739 11764.12
25 Rajasthan 3,455,438 11764.68 622,820 12732.02 4,078,258 24496.70
26 Sikkim 8,423 11.09 8,423 11.09
27 Tamil nadu 1,363,780 5681.86 432,140 2760.52 1,795,920 8442.38
28 Telangana 830,197 3033.63 1,211,265 8,209.69 2,041,462 11243.32
29 Tripura 79,216 60.70 112,593 158.54 191,809 219.24
30 Uttar Pradesh 4,467,875 5663.96 3,266,238 29677.49 7,734,113 35341.45
31 Uttarakhand 269,300 971.21 46,575 300.56 315,875 1271.77
32 West Bengal 1,539,821 3,543.65 331,881 1,356.88 1,871,702 4900.53
TOTAL 33,494,661 124,484.78 12,193,439 113,363.92 45,688,100 237,848.70
Source: NABARD
NAFSCOB
Appendix –8
PERFORMANCE OF STATE COOPERATIVE BANKS

DURING 2016-17 VIS-À-VIS 2015-16
(As on 31st March) ( ? in Lakhs )
SL. VARIABLES VARIABLES VARIABLES ABSOLUTE PERCENTAGE
NO. DURING DURING INCREASE INCREASE
2015-16 2016-17 DURING DURING
2016-17 2016-17
OVER OVER
2015-16 2015-16
1 2 4 4 5 6
1. NUMBER 32 32 0 0.00
2. MEMBERSHIP( TOTAL ) 600278 716361 116083 19.34
a. COOPERATIVE SOCIETIES 21044 20097 -947 -4.50
b. INDIVIDUALS 579234 696264 117030 20.20
3. PAID UP CAPITAL
a. TOTAL 465098 479776 14678 3.16
b. OF WHICH GOVT. 88904 82398 -6506 -7.32
4. RESERVES 1282593 1224940 -57653 -4.50
5. DEPOSITS
a. TOTAL 10492165 12030076 1537911 14.66
b. INDIVIDUALS 3019059 3152766 133707 4.43
c. COOPERATIVES AND OTHERS 7473106 8877310 1404204 18.79
6. BORROWINGS 6735763 7369493 633730 9.41
7. WORKING CAPITAL 19867266 21796882 1929616 9.71
8. LOANS AND ADVANCES ISSUED
a. TOTAL 12165633 12771641 606008 4.98
b. SHORT TERM 9787032 10777905 990873 10.12
c. MEDIUM TERM 1479601 1359041 -120560 -8.15
d. OTHERS 899000 634695 -264305 -29.40
9. LOANS OUTSTANDINGS
a. TOTAL 11830714 12295518 464804 3.93
b. SHORT TERM 8580016 8840547 260531 3.04
c. MEDIUM TERM 2143137 2256707 113570 5.30
d. OTHERS 1107561 1198264 90703 8.19
10. LOANS RECOVERED 6322239 6896651 574412 9.09
11. BALANCE ( OVERDUES ) 292112 318775 26663 9.13
12. DEMAND 6614351 7215426 601075 9.09
13. PERCENTAGE OF OVERDUES 4.42 4.42 - 0.00
TO DEMAND ( % )
81
55TH ANNUAL REPORT
Appendix –8A
STATE COOPERATIVE BANKS

PERFORMANCE AT A GLANCE
DURING 2015-16 AND 2016-17
MEMBERSHIP
800000
700000
600000
500000
400000 2015-16
2016-17
300000
200000
100000
0
Individual
2015-16 600278 21044 579234
2016-17 716361 20097 696264
NAFSCOB NAVI MUMBAI

82
NAFSCOB
Appendix –8B

DURING 2015-16 AND 2016-17
KEY PARAMETERS
250000
200000
150000
Rs. in crores
2015-16
100000 2016-17
50000
0
Share Capital Reserves Deposits Owned Borrowings Working
Funds Capital
2015-16 4651 12826 104922 17477 67358 198673
2016-17 4798 12249 120301 17047 73695 217969
NAFSCOB NAVI MUMBAI

83
55TH ANNUAL REPORT
Appendix –8C

DURING 2015-16 AND 2016-17
KEY PARAMETERS
140000
120000
100000
Rs. in crores
80000
60000 2015-16
40000 2016-17
20000
0
Loans Issued Loans Demand Collection Overdues
Outsandings
2015-16 121656 118307 66144 63222 2921
2016-17 127716 122955 72154 68966 3188
NAFSCOB NAVI MUMBAI

84
NAFSCOB
Appendix –9
PERFORMANCE OF DISTRICT CENTRAL COOPERATIVE BANKS

DURING 2016-17 VIS-À-VIS 2015-16
SL. VARIABLES PERFORMANCE PERFORMANCE ABSOLUTE PERCENTAGE

2016-17 2016-17
OVER OVER
2015-16 2015-16
1 2 3 4 5 6
1 NUMBER 371 363 -8 -2.16
2 MEMBERSHIP( TOTAL ) 3208720 3233599 24879 0.78
a. COOPERATIVE SOCIETIES 486684 477444 -9240 -1.90
b. INDIVIDUALS 2722036 2756155 34119 1.25
3 PAID UP CAPITAL
a. TOTAL 1287675 1453999 166324 12.92
b. OF WHICH GOVT. 150624 201935 51311 34.07
4 RESERVES 3184396 3313804 129408 4.06
5 DEPOSITS
a. TOTAL 28260931 30920077 2659146 9.41
b. INDIVIDUALS 16329765 17682425 1352660 8.28
c. COOPERATIVES AND OTHERS 11931166 13237652 1306486 10.95
6 BORROWINGS 7760608 8467991 707383 9.12
7 WORKING CAPITAL 40609293 45165377 4556084 11.22
8 LOANS AND ADVANCES ISSUED
a. TOTAL 24937596 25401231 463635 1.86
b. SHORT TERM 19500830 20255562 754732 3.87
c. MEDIUM TERM 3082283 3161516 79233 2.57
d. OTHERS 2354483 1984153 -370330 -15.73
9 LOANS OUTSTANDINGS
a. TOTAL 22790186 23749291 959105 4.21
b. SHORT TERM 14597421 15280469 683048 4.68
c. MEDIUM TERM 5574921 6237719 662798 11.89
d. OTHERS 2617844 2231103 -386741 -14.77
10 LOANS RECOVERED 16042477 16885484 843007 5.25
11 BALANCE ( OVERDUES ) 4031515 4923244 891729 22.12
12 DEMAND 20073992 21808728 1734736 8.64
13 PERCENTAGE OF OVERDUES 20.08 22.57 - 2.49
TO DEMAND ( % )
85
55TH ANNUAL REPORT
Appendix –9A
DISTRICT CENTRAL COOPERATIVE BANKS

DURING 2015-16 AND 2016-17
MEMBERSHIP
3500000
3000000
2500000
In Numbers
2000000
1500000 2015-16
1000000 2016-17
500000
0
Total Cooperatives Individuals
Membership
2015-16 3208720 486684 2722036
2016-17 3233599 477444 2756155
NAFSCOB NAVI MUMBAI

86
NAFSCOB
Appendix –9B

DURING 2015-16 AND 2016-17
KEY PARAMETERS
800000
700000
600000
500000
Rs. in crores
400000
2015-16
300000
2016-17
200000
100000
0
Share Reserves Deposits Owned Borrowings Working
Capital Funds Capital
2015-16 12877 31844 282609 44721 776061 406093
2016-17 14540 33138 309201 47678 84680 451654
NAFSCOB NAVI MUMBAI

87
55TH ANNUAL REPORT
Appendix –9C

DURING 2015-16 AND 2016-17
KEY PARAMETERS
300000
250000
200000
Rs. in crores
150000
2015-16
100000 2016-17
50000
0
Loans Issued Loans Demand Collection Overdues
Outsandings
2015-16 249376 227902 200740 160425 40315
2016-17 254012 237493 218087 168855 49232
NAFSCOB NAVI MUMBAI

88
NAFSCOB
Appendix –10
PERFORMANCE OF PRIMARY AGRICULTURAL CREDIT

SOCIETIES DURING 2016-17 VIS-À-VIS 2015-16
SL. VARIABLES PERFORMANCE PERFORMANCE ABSOLUTE PERCENTAGE

2016-17 2016-17
OVER OVER
2015-16 2015-16
1 2 3 4 5 6
1. NUMBER OF SOCIETIES 93367 95603 2236 2.39
2. MEMBERSHIP ( 000 )
a. TOTAL 127322 150533 23212 18.23
a. OF WHICH S. C. 14942 14637 -305 -2.04
b. OF WHICH S. T. 8986 20540 11554 128.57
3. PAID UP CAPITAL
a. TOTAL 1228111 1403569 175458 14.29
b. OF WHICH GOVT. 79820 80151 332 0.42
4. RESERVES 1216207 1625946 409739 33.69
5. DEPOSITS 10106548 11972065 1865517 18.46
6. BORROWINGS 11269029 12397211 1128182 10.01
7. WORKING CAPITAL 20130441 23568013 3437571 17.08
8. NO. OF BORROWERS( 000 ) 46214 69863 23648 51.17
9. LOANS AND ADVANCES ISSUED
a. TOTAL 18082351 20091229 2008878 11.11
b. SHORT TERM 14889199 15789633 900434 6.05
c. MEDIUM TERM 3193152 4301596 1108444 34.71
10. LOANS OUTSTANDINGS
a. TOTAL 15848725 16994232 1145507 7.23
b. SHORT TERM 11705672 12227302 521631 4.46
c. MEDIUM TERM 4143054 4766930 623876 15.06
11. LOANS RECOVERED 13989401 14631084 641683 4.59
12. OVERDUES 2988913 5384043 2395131 80.13
13. DEMAND 16978314 20015127 3036814 17.89
14. PERCENTAGE OF OVERDUES 17.60 26.90 - 9.30
TO DEMAND ( % )
89
55TH ANNUAL REPORT
Appendix –10A
PRIMARY AGRICULTURAL CREDIT SOCIETIES

DURING 2015-16 AND 2016-17
MEMBERSHIP
200000
Number in Thousands
150000
100000
50000
2016-17
0
Total Membership 2015-16

SC Membership
ST Membership
Total Membership SC Membership ST Membership

2015-16 127322 14942 8986
2016-17 150533 14637 20540
NAFSCOB NAVI MUMBAI

90
NAFSCOB
Appendix –10B

DURING 2015-16 AND 2016-17
KEY PARAMETERS
400000
Rs. in crores
200000
0
2016-17
l
p ita es 2015-16
Ca erv s its s
ar
e
Re
s
epo nd gs
Sh D Fu in l
d w ita
ne rro p
Ow Bo Ca
g
rkin 2015-16
o
W
2016-17
Share Owned Working
Reserves Deposits Borrowings
Capital Funds Capital
2015-16 12281 12162 101065 24443 112690 201304
2016-17 14036 16259 119721 30295 123972 235680
NAFSCOB NAVI MUMBAI

91
55TH ANNUAL REPORT
Appendix –10C

DURING 2015-16 AND 2016-17
KEY PARAMETERS
250000
Rs. in crores
200000
150000
100000
50000
0
2016-17
Loans
Loans 2015-16 2015-16
Issued Demand
Outstanding Collection 2016-17
Overdues
Loans
Loans Issued Demand Collection Overdues
Outstanding
2015-16 180823 158487 169783 139894 29889
2016-17 200912 169942 200151 146311 53840
NAFSCOB NAVI MUMBAI

92
NAFSCOB
Appendix –11
GRANT-IN-AID UNDER CENTRAL SECTOR SCHEME
YEAR AMOUNT (`)
1974-75 10,000.00
1975-76 25,000.00
1776-77 58,700.00
1977-78 63,014.00
1978-79 1,00,000.00
1979-80 1,15,000.00
1980-81 1,50,000.00
1981-82 2,40,000.00
1982-83 2,25,000.00
1983-84 2,30,000.00
1984-85 2,70,000.00
1985-86 2,92,000.00
1986-87 3,10,000.00
1987-88 3,20,000.00
1988-89 5,24,000.00
1989-90 6,25,000.00
1990-91 7,60,000.00
1991-92 10,00,000.00
1992-93 12,00,000.00
1993-94 10,00,000.00
1994-95 12,00,000.00
1995-96 15,00,000.00
1995-96* 10,00,000.00
1996-97 15,00,000.00
1997-98 16,00,000.00
1998-99** 11,00,000.00
1999-00 17,00,000.00
2000-01** 9,50,000.00
2001-02 9,33,000.00
2002-03 20,00,000.00
2003-04** NIL
2004-05** NIL
2005-06 20,00,000.00
2006-07 20,00,000.00
2007-08 20,00,000.00
2008-09** 15,80,000.00
2009-10 33,00,000.00
2010-11*** NIL
2011-12 16,00,000.00
2012-13 16,00,000.00
2013-14*** NIL
2014-15 5,00,000.00
2015-16 10,00,000.00
2016-17 10,50,000.00
2017-18 20,00,000.00
* One time assistance for acquiring own premises at Vashi, Navi Mumbai
** Due to reduced budget allocation to Ministry of Agriculture, Dept. of Agriculture & Cooperation, New Delhi
*** Reasons are not communicated
93
55TH ANNUAL REPORT
Appendix –12
MANAGING DIRECTOR AND OFFICERS OF NAFSCOB
(AS ON 31ST MARCH 2018)
Sr. No. Name Designation Professional (E-mail ID)
1. Shri B. Subrahmanyam Managing Director sbhima@nafscob.org
2. Dr. J. S. Hanamashetti Deputy Director shetti@nafscob.org
3. Shri Manoj Kumar Assistant Director manoj-ks@nafscob.org
4. Shri B. B. Kadam Assistant Director bbkadam@nafscob.org
5. Shri Saji Thomas Assistant Director thomas@nafscob.org
Retained after retirement
1. Shri K. Ramakrishnan P. A. to Managing Director ramakrishnan@nafscob.org
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cktkj cqaxd‚u] vkbtksy & 796 001
21 & ukxkySaM jkT; lgdkjh cSad fyfeVsM
ç'kklfud Hkou] [ksjegy]
,p- vks- nhekiqj] nhekiqj & 797 112
ii
NAFSCOB
22 Jh v{k; dqekj eksgarh v/;{k

vksfM'kk jkT; lgdkjh cSad fyfeVsM
iafMr tokgj yky usg: ekxZ
Hkqous'oj & 751 001
23 & ikafMpsjh jkT; lgdkjh cSad fyfeVsM
204 bZ- lh- jksM ¼100 QhV jksM½
vksyafMdsjsiyk;e] eqnfy;kjisV] iqMqpsjh & 605 004
24 Jh gjchj banj flag funs'kd
iatkc jkT; lgdkjh cSad fyfeVsM
,llhvks uacj -175&187] lsDVj 34&,]
paMhx<+ & 160 022
25 Jh vHk; dqekj] vkbZ,,l ] ç'kkld] jktLFkku jkT; lgdkjh cSad e;kZfnr]
Mhlh &1] ykydksBh 'k‚fiax lsaVj] usg: ckyks|ku
ds lkeus] Vksad jksM] t;iqj & 302 015
26 Jh vk;-ch-jk; v/;{k
iwoZ fo/kk;d] iwoZ ea=h flfDde flfDde jkT; lgdkjh cSad fyfeVsM
jk"Vªh; jktekxZ ua -31&,] esVªks i‚baV ds ikl
rkn‚Ux & 737 102
27 fr#-vkj-,yUxkssou v/;{k
rfeyukMq jkT; visDl lgdkjh cSad fyfeVsM
4] usrkth lqHkk"k- cksl jksM] psUubZ & 600 001
28 Jh dksanq# jfoanj jko v/;{k
rsyaxkuk jkT; lgdkjh visDl cSad fyfeVsM
M‚ okbZ-,l- jkt'ks[kj jsìh lgdkj Hkou
4&1&441 VªIk cktkj ] gSnjkckn & 500 001
29 & f=iqjk jkT; lgdkjh cSad e;kZfnr
vewY; ekdsZV] f}rh; ry] pkSeksgkuh] ea=hckjh jksM
vxjryk &799001
30 Jh jkts'k flag ;kno funs'kd
12&02&2018 rd mÙkj çns'k jkT; lgdkjh cSad fyfeVsM
2] ,e-th- jksM] y[kuÅ & 226 001
31 Jh nku flag jkor v/;{k
mÙkjk[kaM jkT; lgdkjh cSad fyfeVsM
ç/kku dk;kZy; cjsyh jksM] VYyh gY}kuh
uSuhrky & 263 139
32 & if'pe caxky LVsV dksv‚ijsfVo cSad fyfeVsM
24&,] okVjyw LVªhV] dksydkrk 700 069
iii
55 TH ANNUAL REPORT
jk”Vªh; jkT; lgdkjh cSad egkla?k e;kZfnr] uoh eaqcbZ

funs'kd eaMy
31-03-2018 dh fLFkfr
1 Jh fnyhi la?kkuh] funs'kd
iwoZ lkaln / iwoZ ea=h] xqtjkr xqtjkr LVsV dks&v‚ijsfVo cSad fyfeVsM
v/;{k] uS¶Ldksc ljnkj oYyHkHkkbZ iVsy lgdkj Hkou
'kkL=huxj chvkjVh,l cl LVSaM ds ikl] vadqj jksM]
ukj.kiqjk] vgenkckn & 380 013
2 Jh Hkxr flaag v/;{k
vaMeku ,oa fudksckj jkT; lgdkjh cSad fyfeVsM
98 ekSykuk vktkn jksM
iksVZ Cys;j & 744 101
3 Jh ih osadVs'oj jko] v/;{k
iwoZ fo/kk;d] iwoZ ea=h] vka/kz çns'k vka/kz çns'k jkT; lgdkjh cSad fyfeVsM
}kj laA 27&29&28] ,uVhvkj lgdkj Hkou
xouZj isV] fot;okM+k & 520 002
4 Jh xkSre cksjk] funs'kd
iwoZ fo/kk;d] iwoZ ea=h] vle vle lgdkjh visDl cSad fyfeVsM
mik/;{k] uS¶Ldksc visDl cSad fcfYMax] gse c:vk iFk] iku cktkj
xqokgkVh & 781 001
5 Jh jes'k pUæ pkScs v/;{k
19&03&2018 rd fcgkj LVsV dks&v‚ijsfVo cSad fyfeVsM
v'kksd jktiFk] iVuk &800 004
6 Jh v'kksd ctkt v/;{k
mik/;{k] uS¶Ldksc NÙkhlx<+ jkT; lgdkjh cSad e;kZfnr
bafnjk xka/kh okf.kfT;d ifjlj
ih vks iaMjh] jk;iqj & 492 00
7 M‚ fctsUæ flag] iwoZ fo/kk;d v/;{k
fnYyh jkT; lgdkjh cSad fyfeVsM]
31 usrkth lqHkk"k ekxZ] nfj;kxat]
ubZ fnYyh & 110 002
8 mYgkl ch- Qy nslkbZ v/;{k
24&09&2017 rd xksok jkT; lgdkjh cSad fyfeVsM
,pks-vks- "lgdkj ladqy”
bZMhlh ifjlj] iêks Iyktk] i.kth & 403 001
9 Jh g"kZ egktu v/;{k
26&02&2018 rd fgekpy çns'k jkT; lgdkjh cSad fyfeVsM
uacj 1 cSad fcfYMax] 2 ry] e‚y ] f'keyk & 171 001
10 Jh ,e-,l-nkj v/;{k
tEew&d'ehj jkT; lgdkjh cSad fyfeVsM
'vFkokl xg'] flYd QSDVjh lM+d ]
jkt ckx] Jhuxj & 190 008
11 Jh ds,u jktUuk] v/;{k
iwoZ fo/kk;d] mik/;{k] uS¶ldksc dukZVd jkT; lgdkjh visDl cSad fyfeVsM
"mÙkqax"] uacj 1 iaik egkdfo lM+d]
pejktisV] csaxywj & 560 018
iv
NAFSCOB
12 Jh çeksn dukZM çca/k funs'kd

30&09&2017 rd egkjk"Vª jkT; lgdkjh cSad fyfeVsM
9 egkjk"Vª psacj v‚Q d‚elZ
QksVZ] eqacbZ & 400 023
13 Jh ekflZuk fle v/;{k
es?kky; lgdkjh ,isDl cSad e;kZfnr
,isDl cSad fcfYMax] ,e-th- lM+d
f'kykax & 793001
14 Jherh Vh-ykyequiwbZ v/;{kk
fetksje lgdkjh ,isDl cSad e;kZfnr
f}rh; ry] ds Vh- dqek fcfYMax
cktkj caxd‚u] ,stkoy & 796001
15 Jh v{k; dqekj eksgarh v/;{k
vksfM'kk jkT; lgdkjh cSad fyfeVsM
iafMr tokgj yky usg: ekxZ] Hkqous'oj & 751 001
16 Jh gjchj banj flag funs'kd

iatkc jkT; lgdkjh cSad fyfeVsM
,llhvks la[;k 175&187] lsDVj &34&,]
paMhx<+ & 160 022
17 fFk#-vkj-,yUxkssou v/;{k
rfeyukMq jkT; visDl lgdkjh cSad fyfeVsM
4] usrkth lqHkk"k- cksl jksM] psUubZ & 600 001
18 Jh dksanq# jfoanj jko v/;{k
rsyaxkuk jkT; lgdkjh visDl cSad fyfeVsM
M‚ okbZ-,l- jkt'ks[kj jsìh lgdkj Hkou
4&1&441 lsuk cktkj] gSnjkckn & 500 001
19 Jh jkts'k flag ;kno funs'kd
12-02-2018 rd mÙkj çns'k jkT; lgdkjh cSad fyfeVsM
2] ,e-th- jksM] y[kuÅ & 226 001
20 Jh nku flag jkor v/;{k
mÙkjk[kaM jkT; lgdkjh cSad fyfeVsM
çeq[k dk;kZy;] cjsyh jksM rYyh gYnokuh
¼uSuhrky½ uSuhrky & 263 13 9
lg;ksftr funs'kd
1 Jh vk;-ch-jk;] iwoZ fo/kk;d] iwoZ v/;{k
ea=h flfDde flfDde jkT; lgdkjh cSad fyfeVsM
jk"Vªh; jktekxZ ua -31&,
esVªks i‚baV ds ikl] rkn‚Ux & 737 102
*13&03&2018 rd
v
55 TH ANNUAL REPORT
lnL; jkT; lgdkjh cSad ds v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh

(31 ekpZ] 2018 dh fLFkfr)
v/;{k@pS;jeSu@pS;jilZu@fo'ks”k
Ø-la- jkT; lgdkjh cSad vf/kdkjh@iz'kkld eq[; dk;Zdkjh vf/kdkjh
1 vaMeku oa fudksckj ,llhch] iksVZ Cys;j Jh Hkxr flag* Jh ds eq:xu
2 vka/kz çns'k ,llhch] fot;okMk Jh ih osadVs'oj jko] iwoZ fo/kk;d* M‚ , oh Hkokuh 'kadj
3 v#.kkpy çns'k ,llhch] ukgjyxqu Jherh ehee rk,ax] v#-ç- yks- lsok- ¼,th½ Jh Rlsfjax FkksaXnksd
4 vle ,llhch] xqokgkVh M‚ fgekar fo'o lekZ Jh 'k'kkad 'ks[kj 'kkL=h
5 fcgkj ,llhch] iVuk $ Jh lqjs'k pkS/kjh Jh lqjs'k nkl
6 paMhx<+ ,llhch] paMhx<+ Jherh —fr xxZ ¼Hkk- ç- ls½ Jh xqjcpu flag
7 NÙkhlx<+ ,llhch] jk;iqj Jh v'kksd ctkt * Jh ,p-ds-ukxnso
8 fnYyh ,llhch] ubZ fnYyh M‚ fctsUæ flag] iwoZ fo/kk;d* Jherh vuhrk jkor
9 xksok ,llhch] i.kth $$ Jh oh ch çHkq osysZdj Jh vuar ,e pksMudj ¼çHkkjh½
10 xqtjkr ,llhch] vgenkckn Jh vt;HkkbZ ,p iVsy Jh çnhi ,e oksjk
11 gfj;k.kk ,llhch] paMhx<+ Jh xqy'ku HkkfV;k Jh eukst dqekj caly
12 fgekpy çns'k ,llhch] f'keyk $$$ Jh [kq'khjke cyur Jh jkedqekj xkSre] ,p , ,l
13 tEew&d'ehj ,llhch] Jhuxj Jh ,e ,l nkj * Jh eksgEEn yrhQ nkj
14 dukZVd ,llhch] cSaxyksj Jh ds-,u-jktkUuk] * fo/kk;d Jh th ,l je.k jsìh] d- jk- ç- ls-
15 dsjy ,llhch] fr#ouariqje Jh oh luy dqekj] Hkk- ç- ls Jh bZ nsonklu] Hkk- ç- ls
16 e/; çns'k ,llhch] Hkksiky Jh jekdkar HkkxZo Jh vkj- ds- 'kekZ ¼çHkkjh½
17 egkjk"Vª ,llhch] eqacbZ $$$$ M‚ ,e-,y-lq[knsos M‚ , vkj ns'keq[k ¼çHkkjh½
18 ef.kiqj ,llhch] bEQky Jh ds-,p- [kack flag M‚ jatu ;eue] e- yks- vk-
19 es?kky; ,llhch] f'kykax Jh ,e L;bZe Jh vks- bZ- ts- uvksaXczh
vi
NAFSCOB
lnL; jkT; lgdkjh cSad ds v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh

(31 ekpZ] 2018 dh fLFkfr)
v/;{k@pS;jeSu@pS;jilZu@fo'ks”k eq[; dk;Zdkjh vf/kdkjh
Ø-la- jkT; lgdkjh cSad
vf/kdkjh@iz'kkld
20 fetksje ,llhch] vkbtksy lqJh Vh- ykYeqviqbZ * Jh ykytqfyvkuk
21 ukxkySaM ,llhch] nhekiqj Jh VsEtsu r‚;] Hkk- ç- ls Jh bErhyksEck yksaXdqekj
22 mM+hlk ,llhch] Hkqous'oj Jh v{k; dqekj eksgarh * Jh rq"kkj dkfUr ikaMk
23 ikafMpsjh ,llhch] ikafMpsjh Jh bZ oYyou fFk# T;ksfrjktw
24 iatkc ,llhch] paMhx<+ Jh Mhih jsìh] Hkk- ç- ls M‚ ,l- ds- ckfr'k
25 jktLFkku ,llhch] t;iqj Jh vHk; dqekj] Hkk-ç-ls- Jh oh- Mh- xksnjk
26 flfDde ,llhch] xaxVksd Jh vkbZch jko] iwoZ fo/kk;d ** Jh jke ikMk eSfr
27 rfeyukMq ,llhch] psUubZ fFk#- vkj ,yaxksou * fFk#- vkj dkfrZds;u
28 rsyaxkuk ,llhch] gSnjkckn Jh dksanq# jfoanj jko* M‚ usfFk eqjyh/kj
29 f=iqjk ,llhch] vxjryk Jh gfjikn pØorhZ Jh Loiu dqekj lkgk
30 mÙkj çns'k ,llhch] y[kuÅ Jh ujsaæ dqekj flag Jh jfcdkar flag
31 mÙkjk[kaM ,llhch] gY}kuh Jh nku flag jkor Jh nhid dqekj
32 if'pe caxky ,llhch] dksydkrk Jh ,e- oh- jko] Hkk- ç- ls- Jh fpUe; xqIrk
* funs'kd eaMyA $13&03&2018 rd

** lg pqus funs'kdA
$ 1 9&03&2018 rd Jh jes'k paæ pkScs v/;{k FksA
$$ Jh mYgkl ch QynslkbZ 24&09&2017 rd v/;{k Fks
$$$ Jh g"kZ egktu 26&02&2018 rd v/;{k Fks
$$$$ Jh çeksn dukZM 30&09&2017 rd çca/k funs'kd Fks
vii
55 TH ANNUAL REPORT
jk”Vªh; jkT; lgdkjh cSad egkla?k e;kZfnr

uoh eqEcbZ
55oka W okf”kZd fjiksVZ
2017 - 2018
fo"k;&oLrq
Ø- fooj.k i`"B la[;k
1- çLrkouk 1
2- vkfFkZd ifjos'k 1
3- o"kZ 2014&15 ls 2017&18 rd —f"k mRiknu 1–2
4- o"kZ 2018&19 ds fy;s dsaæh; ctV 2–5
5- Hkkjr ljdkj& y?kq&vkof/kd lgdkjh _.k vkSj cSafdax {ks= gsrq igy % 6–9
6- Hkkjrh; fjtoZ cSad&ekSfnzd vkSj _.k uhfr ,oa vU; cSafdx&laca/kh mide&2017&18
z 9 – 14
7- jk"Vªh; —f"k vkSj xzkeh.k fodkl cSad ¼ukckMZ½ & uhfr vkSj vU; igysa y?kq vof/k ds xzkeh.k
lgdkjh _.k laLFkkvksa ds fy, & 2017&18 15 – 38
8- y?kq vkof/kd lgdkjh lk[k laLFkkvksa ¼,lVhlhlhvkbZ½ dh izxfr ,oa izn’kZu% 38 – 42
9- jk”Vhª; jkT; lgdkjh cSad egkla?k ¼uS¶LdkWc½ 42 – 65
10- vf[ky Hkkjrh; ijLij O;oLFkk Ldhe ¼,vkbZ,e,,l½% 65 – 67
11- ;kstuk] vuqla/kku vkSj fodkl ¼ihvkjMh½ lsy% 67 – 69
12- uS¶LdkWc }kjk lEesyu] laxksf"B;k¡] dk;Z'kkyk;sa] xksy est lEokn] lHkk,¡] vkfn 69
13- xzkeh.k lgdkjh _.k vkSj cSafdax dk uS¶LdkWc tuZy^ 69 – 70
14- uS¶LdkWc esa dEI;wVjhdj.k 70
15- uS¶LdkWc }kjk çfrfuf/kRo vkSj lgHkkfxrk 70 – 74
16- uS¶LdkWc ys[kk vkSj foÙk% 74 – 77
17- vkHkkj 78
ifjf'k"V
viii
NAFSCOB
ifjf'k”V dh lwph
Ø-la- ifjf'k”V dk fooj.k i`”B la[;k
ifjf'k"V & 1 d`f”kmRiknu&,d utj esa 2014&15 ls 2017&18 79
ifjf'k"V & 2 o”kZ 1935 ls cSad nj dh fLFkfr 80
ifjf'k"V & 3 udn vkjf{kr vuqikr ¼lhvkjvkj½ dh fLFkfr tqykbZ 1935 ls 81&85
ifjf'k"V & 4 o”kZ 2016&17 ds nkSjku ,l-Vh ¼,l,vksa½] ,lVh&cqudjksa] ,eVh ¼varj.k½ dh jkT;okj Lohd`fr vkSj mi;ksfxrk 86
ifjf'k"V & 5 lgdkjh fodkl dks”k&31 ekpZ] 2018 rd lgdkjh lk[k laLFkkvksa dks Lohd`r lgk;rk 87
ifjf'k"V & 6 fdlku dsz fMV dkMZ&izxfr&2017&18 88
ifjf'k"V & 7 fdlku dzsfMV dkMZ&’kq:vkr ls ,tsalh okj lap;h izxfr 2017&18 89
ifjf'k"V & 8 2015&16 dh rqyuk esa 2016&17 ds nkSjku jkT; lgdkjh cSadks dk dk;Z fu”iknu&lakf[;dh izLrqrhdj.k 90
ifjf'k"V &9 2015&16 dh rqyuk esa 2016&17 ds nkSjku ftyk e/;orhZ lgdkjh cSadks dk dk;Zfu”iknu 91
ifjf'k"V &10 2015&16 dh rqyuk esa 2016&17 ds nkSjku izkFkkfed d`f”k _.k lfefr;ksa dk dk;Zfu”iknu 92
ifjf'k"V & 11 uS¶ldkWc dks d`f”k ea=ky;] Hkkjr ljdkj }kjk vuqnku lgk;rk 93&94
ifjf'k"V & 12 uS¶ldkWc izacU/k funs’kd vkSj vf/kdkjh ¼31-03-2018 ds vuqlkj½ 95
ix
55 TH ANNUAL REPORT
jk”Vªh; jkT; lgdkjh cSad egkla?k e;kZfnr] uoh eqEcbZ
55oka W okf”kZd fjiksVZ

2017 - 2018
1½ izLrkouk%
d`f”k] dsUnzh; ctV uhfr 2018&19 ,oa Hkkjr ljdkj ds fofHkUu midzeksa ds lkFk&lkFk ns”k ds lexz vkfFkZd okrkoj.k dk
lkj fy, jk”Vªh; jkT; lgdkjh cSad egkla?k ] e;kZfnr ¼uS¶LdkWc½ o”kZ 2017&18 gsrq viuk 55okWa okf”kZd izfrosnu izLrqr djrk gSA
Hkkjrh; fjtoZ cSad ,oa ukckMZ ds fofu;eu] fodklkRed] iqufoZr ,oaa fujh{k.kkRed eqn~nksa ds {ks=ksa esa egRoiw.kZ uhfrxr igyksa dh
x.kuk gks pqdh gS ,oa rRlaca/kh ifji=ksa dks okf”kZd izfrosnu ds nks vyx&vyx [kaMksa esa foLr`r :Ik ls m/n`r fd;k x;k gSA lkFk gh]
y?kq vkof/kd lgdkjh lk[k lajpuk esa egRoiw.kZ ?kVukdze] uS¶LdkWc dh igysa ,oa var esa uS¶LdkWc dk vizSy 01] 2017 ls ekpZ 31]
2017 ds njE;ku dk dk;Z fu”iknu bl izfrosnu esa gekjs lnL;ksa ds voyksdu gsrq izLrqr fd;k x;k gSA
2½ vkfFkZd ifjos'k%
dsanzh; lkaf[;dh; dk;kZy; ¼lh,lvks½ }kjk fuxZr vfxze vuqekuksa esa ldy ?kjsyw mRikn ¼thMhih½ dk fu;r eaMh ewY;ksa
ij o`f/n nj 2015&16 esa 7-1 izfr”kr Fkk tks fd 2017&18 esa 6-75 izfr”kr gSA fiNys lky ds nkSjku çeq[k lq/kkj fd, x, Fks A 1
tqykbZ 2017 dks 'kq: fd, x, ;qxkardkjh oLrq ,oa lsok dj ¼th,lVh½ lq/kkj ds dkj.k] U;w bafM;u cSadjIlh dksM ds rgr vkfFkZd
ncko >sy jgh çeq[k daifu;ksa dks lek/kku ds fy, Hkstdj]yacs oDr ls pyh vk jgh fV~ou cSysal'khV ¼Vhch,l½ dk lek/kku dj]
lkoZtfud {ks= miØe cSadksa ds lq–<+hdj.k gsrq ,d çeq[k iqu:iwathdj.k iSdst dks ykxw dj] rFkk Xykscy fjdojh ls fu;kZr dks
c<+kdj o"kZ dh nwljh Nekgh esa vFkZO;oLFkk esa rsth vkus yxh A
3½ o”kZ 2014&15 ls o”kZ 2017&18 rd dk d`f”k mRiknu%
—f"k dh o`f) esa vfuf'prrkvksa dks bl rF; ls le>k tk ldrk gS fd Hkkjr esa 50 çfr'kr ls vf/kd —f"k&dk;Z o"kkZ ij
fuHkZj gS tks mRiknu tksf[keksa dks c<+k nsrh gSA gkykafd] ;ksxnku esa gksusokyh ;g fxjkoV jkstxkj] vkthfodk vkSj [kk| lqj{kk dh
–f"V ls bl {ks= ds egRo dks detksj ugha djrh gSA o”kZ 2017&18 esa ldy ?kjsyw mRikn¼thMhih½ esa d`f”k dk ;ksxnku 16-14 izfr”kr
jgkA d`f”k ,oaa mlls lac) {ks=ks us o”kZ 2016&17 ,oa 2017&18 ¼ igys vfxze vuqeku ½esa dze”k% 4-9 izfr”kr ,oa 2-1 izfr”kr o`f) ntZ
dh A
1
NAFSCOB
27 Qjojh 2018 dks o”kZ 2017&18 ds fy, fuxZr f}rh; vfxze vuqekuksas ds vuqlkj 2017&18 esa [kk|kUu mRiknu 277-49
fefy;u Vu vuqekfur gS tks fd 2016&17 ds 275-11 fefy;u Vu ls 2-38 fefy;u Vu vf/kd gksxkA vafre vuqekuksas ds vuqlkj
o’kZ 2016&17 ds njE;ku [kk|kUu mRiknu 275-11 fefy;u Vu ¼pkoy 109-7 fefy;u½ Vu ,oaa xsgw¡ 98-51 fefy;u Vu jgk tcfd
o’kZ 2015&16 esa 251-57 fefy;u Vu ¼pkoy 104-41 fefy;u Vu ,oaa xsgw¡ 92-29 fefy;u Vu½ A o"kZ 2017&18 esa nkyksa dk mRiknu
23-95 fefy;u Vu] xUus dk 3532-26 fefy;u Vu] frygu dk 298-82 fefy;u Vu] ,oaa dikl dk 33-91 fefy;u xkaBsa ftleas
izR;sd xkaB 170 fd-xzk- dh vuqekfur gSA o”kZ 2014&15 ls 2017&18 ¼f}rh; vfxze vuqeku½ rd dk d`f”k mRiknu d`f”k ea=ky;
Hkkjr ljdkj ds vuqlkj ifjf’k”V&1 esa fn;k x;k gSA
4½ dsanzh; ctV 2017&18
dsUnzh; foÙk ea=h egksn; Jh v#.k tsVyh us o”kZ 2018&19 ds fy, 01 Qjojh] 2018 ds fnu laln esa dsanzh; ctV is”k
fd;kA
o"kZ 2018&19 dk ctV —f"k] xzkeh.k fodkl] LokLF;] f'k{kk] jkstxkj] e/;e] y?kq vkSj lw{e m|eksa ¼,e,l,ebZ½ vkSj
cqfu;knh <kaps {ks= dks etcwr djus ds fe'ku }kjk funsZf'kr gS A dsaæh; foÙk ea=h egksn; ds vuqlkj ] <kapkxr lq/kkjksa dh ekfydk ds
}kjk Hkkjr fo'o dh rsth ls c<+us okyh vFkZO;oLFkkvksa esa ls ,d gks tk,xkA
dsaæh; foÙk ea=h egksn; us lkr vyx&vyx fo"k;ksa ds rgr ctV çLrko çLrqr fd,A
¼v½ —f"k vkSj xzkeh.k vFkZO;oLFkk
¼vk½ LokLF;] f'k{kk vkSj lkekftd lqj{kk
¼b½ ,e,l,ebZ vkSj jkstxkj
¼bZ½ cqfu;knh <kapk vkSj foÙkh; {ks= fodkl
¼m½ laLFkkvksa dk fuekZ.k vkSj yksd lsok forj.k esa lq/kkj
¼Å½ foÙkh; çca/ku
¼,½ dj çLrko
2
55 TH ANNUAL REPORT
v- ctV 2017&18 dh fo”ks’krk,¡ %

¼v½ —f"k vkSj xzkeh.k vFkZO;oLFkk
• o"kZ 2018&19 esa —f"k lk[k gsrq vHkwriwoZ 11 yk[k djksM+ # dk y{; j[kk x;k gS A
• dsaæh; ljdkj us —"kdksa dks y?kq vof/k lk[k ds C;kt vuqnku gsrq :- 15000 djksM+ ds ldy ctVh;
leFkZu ds vkoaVu dh ?kks"k.kk dh A
• ç/kkuea=h Qly chek ;kstuk gsrq :- 13000 djksM+ dk vkoaVu A
• ç/kkuea=h —f"k flapkbZ ;kstuk gsrq :- 4000 djksM+ dk vkoaVu A
• jk"Vªh; [kk| lqj{kk fe'ku gsrq dsaæh; ljdkj us :- 1500 djksM+ dk çko/kku fd;k A
• bZ&uke dks 585 —f"k mRiknd cktkj lfefr;ksa ds varxZr ykuk A
• :- 2000 djksM+ dh fuf/k ds —f"k&cktkj lajpuk dks"k dh LFkkiuk dk çLrko A
• :- 5000 djksM+ dk vkoaVu v‚ijs'ku ¶yM dh rtZ ij v‚ijs'ku xzhUl gsrq A
• fdlku ØsfMV dkMZ dh lqfo/kk dk eRL; ,oa i'kqikyu djus okys fdlkuksa dks Hkh ykHk feysxk A
• mfpr ykHkdkjh njksa ij fdlkuksa ls vf/k'ks"k lkSj ÅtkZ [kjhnus dk çLrkoA
• ukckMZ esa nh?kkZof/k flapkbZ dks"k ¼,yVhvkbZ,Q½ dh LFkkiuk A
• ç/kku ea=h —f"k flapkbZ ;kstuk ds rgr Hkwty flapkbZ ;kstuk ds fy, 2]600 djksM+ #i;s dk vkoaVuA
¼vk½ LokLF;] f'k{kk vkSj lkekftd lqj{kk
• tuojh] 2015 esa 'kq: dh xbZ lqdU;k le`f) [kkrk ;kstuk dks vikj lQyrk feyhA uoEcj] 2017 rd
ns'k Hkj esa 1-26 djksM+ ls vf/kd yM+fd;ksa ds [kkrs [kksys x, ftuesa 19]183 djksM+ #i;s tek fd, x,A
• o"kZ 2018&19 esa vuqlwfpr tkfr;ksa ds fy, 56]619 djksM+ #i;s vkSj vuqlwfpr tutkfr;ksa ds fy,
39]135 djksM+ #i;s ds fpfUgr vkoaVu dk çLrko j[kk x;kA
• o"kZ 2018&19 ds fy, LokLF;] f'k{kk vkSj lkekftd lqj{kk ij vuqekfur ;kstukc) ctVh; O;; 138
yk[k djksM+ #i;s gSA
¼b½ ,e,l,ebZ vkSj jkstxkj
• lk[k leFkZu] iwath] C;kt vuqnku vkSj uokpkjksa ds fy, ,e,l,ebZ {ks= dks 3]794 djksM+ ds vkoaVu dk
çLrkoA
3
NAFSCOB
• o"kZ 2018&19 ds fy, eqæk ds rgr _.k ds fy, 3 yk[k djksM+ #i;s dk y{; çLrkfor fd;kA
• o"kZ 2018&19 esa oL= m|ksx {ks= ds fy, 7]148 djksM+ #i;s dk çLrkoA
¼bZ½ cqfu;knh <kapk vkSj foÙkh; {ks= fodkl
• jsyos dks 1]48]528 djksM+ vkoafVr djus dk çLrko

• vxys nks o"kksaZ esa cz‚M xst usVodZ esa 4]267 ekuo jfgr ysoy Ø‚flax dks [kRe djus dk fu.kZ;A
• 2018&19 esa fMftVy bafM;k dk;ZØe ds fy, vkoaVu nksxquk c<+dj 3]073 djksM+ #i;s gks x;kA
• 2018&19 esa nwjlapkj cqfu;knh <kaps ds fuekZ.k vkSj lao/kZu ds fy, 10]000 djksM+ #i;s vkoaVu
?d`f”k lk[k dk izokg &
fiNys 12 lkyksa esa ;kuh 2005&06 ls 2016&17 rd okLrfod izokg ,oa 2017&18 ,oa 2018&19 dk y{; uhps fn;k x;k
gSA ¼`- djksM+ esa½
o”kZ y{; izkfIr
2005&06 1] 41]500 ¼34-76%½ 1]80]486 ¼44-03%½
2006&07 1]75]000 ¼23-67%½ 2]29]401 ¼27-10%½
2007&08 2]25]000 ¼28-57%½ 2]50]000 ¼8-98%½
2008&09 2]80]000 ¼24-44%½ 3]01]908 ¼20-76%½
2009&10 3]25]000 ¼16-07%½ 3]84]514 ¼27-36%½
2010&11 3]75]000 ¼15-38%½ 4]68]291 ¼21-79%½
2011&12 4]75]000 ¼26-66%½ 5]11]029 ¼9-13%½
2012&13 5]75]000 ¼21-05%½ 6]07]375¼18-85%½
2013&14 7]00]000 ¼21-74%½ 7]30]765 ¼ 20-31%½
2014&15 8]00]000 ¼14-28%½ 8]45]328** ¼15-68%½
2015&16 8]50]000 ¼6-25%½ 8]80]000**¼4-10%½
2016&17 9]00]000 ¼5-88%½ 9]59]825¼9-07%½ *
2017&18 10]00]000 ¼11-11%½ ykxw ugha
2018&19 11]00]000¼10%½ ----
4
55 TH ANNUAL REPORT
uksV% & dks”Bd esa fn, x, vkadM+sa+ fiNys o”kZ ls gq, cnyko dks n”kkZrs gSaA
lkzsr% & ctV nLrkost ,oa vkfFkZd losZ{k.k] Hkkjr ljdkj ,oa ukckMZ ds okf”kZd fjiksVZ ¼2005&06 ls 2016&17½
* vk—fr 17 : —f"k _.k] i`"B Ø-157 ¼vkfFkZd losZ{k.k 2016&17] Hkkjr ljdkj½A
vi) ctV vuqeku:

• dqy O;; vuqekfur :i ls 24]42]2013 djksM+ #i;s jgk gSA
• jktLo çkfIr;ka 17]25]738 djksM+ #i;s gksus dk vuqeku gSA
• dj jktLo çkfIr;ka 14]80]649 djksM+ #i;s gksus dk vuqeku gSA
• xSj&dj jktLo çkfIr;k¡ 2]45]089 djksM+ #i;s gksus dk vuqeku gSA
• iwathxr çkfIr;k¡ 7]16]475 djksM+ #i;s gksus dk vuqeku gSA
• ldy ?kjsyw mRikn dk foÙkh; ?kkVk 3-3 çfr'kr gksxk vkSj jktLo ?kkVk ldy ?kjsyw mRikn dk 2-2 çfr'kr
gksxkA
vii) o"kZ 2018&19 ds fy, dsaæh; ctV esa vYikof/k lgdkjh _.k <kaps ¼,lVhlhlh,l½ dks etcwr djus ds fy, fuEufyf[kr
dks lacksf/kr fd;k tkuk pkfg, Fkk :
• vk;dj vf/kfu;e] 1961 dh /kkjk 80 ih ds rgr miyC/k NwV dh cgkyh
• ;g lqfuf'pr djus ds fy, dne mBkuk fd vYidkfyd lgdkjh _.k laLFkkuksa dks LoLFk] O;ogk;Z vkSj
lnL;ksUeq[k gksus dh vuqefr gSA
• lgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vYikof/k lgdkjh _.k <kaps dks vuq'kaflr iqu#)kj
iSdst dh rtZ ij ftyk e/;orhZ lgdkjh cSadksa ¼Mhlhlhch½ dks iquiwaZthdj.k lgk;rkA
• C;kt vuqnku dh leh{kk] la'kks/ku vkSj iquxZBu & Å/oZxkeh iqujh{k.k
• ftyk e/;orhZ lgdkjh cSadksa dks viuh çfr"Bk gkfly djus esa enn djus ds fy, mfpr ;kstuk rS;kj djus dh
vko';drk gS tks uksVcanh ds rgr fufnZ"V cSad uksV~l ¼,lch,u½ esa mudh xSj&Hkkxhnkjh ls çHkkfor FkkA
• —f"k _.k esa lgdkjh lfefr;ksa ds fgLls dks c<+kus ds fy, j.kuhfr dks ykxw djus ds fy, leFkZuA
• o"kZ 2017&18 ds dsaæh; ctV esa ?kksf"kr çkFkfed —f"k lk[k lfefr;ksa ¼ih,lh,l½ ds daI;wVjhdj.k ds fy, mBk,
x, dneA
• vYidkfyd lgdkjh _.k lajpuk vkSj —f"k {ks= esa 'kkfey eqíksa dh ljkguk djus esa lgk;rk ds fy, lcls
çklafxd] Hkjkslsean vkSj rF;kRed tkudkjh çkIr djus ds fy, uS¶ld‚c ds lkFk ijke'kZ ysuk A
5
NAFSCOB
• o"kZ 2018&19 dk dsaæh; ctV lgdkjh lfefr;ksa dks mRlkfgr ugha djrk gSA gkykafd] ge Hkkjr dks ,d egku
ns'k ds :i esa çnf'kZr djus ds ç;klksa dh ljkguk djrs gSaA
5- Hkkjr ljdkj & y?kq vof/k lgdkjh _.k vkSj cSafdax {ks= ds fy, igy:
vc] eq>s gky gh esa vkSj o"kZ 2017&18 ds nkSjku fofHkUu fodkl vkSj egRoiw.kZ igy ds lkFk&lkFk vYidkfyd lgdkjh
_.k vkSj cSafdax {ks= vkSj vU; lgk;d fodkl esa ?kVukvksa ds lkeus j[kus dh vuqefr nsaA
5-1- foÙk ea=ky; }kjk tkjh jkti= vf/klwpuk : ft-e-l- cSadksa dks vkjchvkbZ ds fdlh Hkh dk;kZy; esa vius xzkgdksa ls
Lohdkj dh xbZ fofufnZ"V cSad uksVksa ¼ ,lch,u ½ tek djus dh vuqefr :
vkjchvkbZ ds dsaæh; funs'kd eaMy dh flQkfj'kksa ij fopkj djus ds ckn Hkkjr ljdkj us 9 uoacj] 2016 ls egkRek xka/kh
dh 'kà[kyk 500 /& #i;s vkSj 1000/& #i;s ds ewY; dh cSad uksVksa dkuwuh fLFkfr dks çHkkoh :i ls [kRe dj fn;k FkkA A ;g Hkkjr
ljdkj }kjk ,d pkSadkus okyh ?kks"k.kk Fkh] ftlds ifj.kkeLo:i] bl rjg ds cSad uksVksa dk mi;ksx rc ls Hkkjr esa O;kikj vkSj / ;k
HkaMkj.k ds fy, ugha fd;k tk ldrk Fkk A Hkkjrh; fjtoZ cSad us vius ifji= laA vkjchvkbZ / 2016&17 / 130 Mhlh,e ¼ih,yth½
la[;k 1273 / 10-27-00 / 2016&17 uoacj 14] 2016 dks jkT; lgdkjh cSadksa ¼,llhch½ vkSj ft-e-l- cSadksa lesr lHkh cSadksa dks lwfpr
fd;k vkSj Li"V fd;k Fkk fd ft-e-l- cSad vius ekStwnk xzkgdksa dks 24 uoacj] 2016 rd çfr lIrkg 24]000/& #i;s rd vius
[kkrksa ls /ku okil ysus dh vuqefr ns ldrs gSaA gkykafd muds }kjk fofufnZ"V cSad uksVksa ¼500 /& vkSj 1000 /&½ds fy, dksbZ
fofue; lqfo/kk ;k ,sls uksVksa dks tek djus gsrq dksbZ dk;Zokgh ugha dh tkuh pkfg, A blh Øe esa ] vkjchvkbZ us 17 uoacj] 2016 dks
vius ifji= la- Mhlh,e ¼ih,yth½ ,u -1294 / 10-27-00 / 2016&17 ds vuqlkj jk-l- cSadksa lesr lHkh cSadksa dks lwfpr fd;k fd
ft-e-l-cSadksa dks fofufnZ"V uksV u gh tek djus dh vuqefr gS vkSj u gh fofue; dh A blds vykok] vkjchvkbZ us ,llhch lesr
lHkh cSadksa dks funsZ'k fn;k fd os ,llhlhch lfgr vU; cSadksa dh 'kk[kkvksa ds lkFk vius [kkrs esa ØsfMV ds fy, Mhlhlhch }kjk çLrqr
,lch,u Lohdkj u djsaA
tSlk fd uS¶ld‚c ds funs'kd eaMy }kjk ikfjr çLrko ds vuqlkj M‚- paæiky flag ;kno th] lkaln ¼jkT; lHkk½ vkSj
v/;{k] ,ulh;wvkbZ ds usr`Ro esa ,d çfrfuf/keaMy us Jh v#.k tsVyh ] ekuuh; dsaæh; foÙkh; ea=h dks 05 fnlacj 2016 dks ubZ
fnYyh esa Mhlhlhch dks ,lch,u ;kstuk ds vknku&çnku / tek dh xSj&ç;ksT;rk vkSj uksVcanh ds çHkko ij çLrko çLrqr fd;kA
çfrfuf/keaMy esa uS¶ld‚c ds v/;{k Jh fnyhi la?kkuh] M‚- chtsaæ flag] iwoZ v/;{k] uS¶ld‚c vkSj v/;{k] fnYyh ,llhch] Jh oh-ih-
flag] iwoZ- v/;{k] ,ulh;wvkbZ vkSj lnL;] xofuaZx dkmafly] ,ulh;wvkbZ] Jh Hkhek lqczã.;e] çca/k funs'kd] uS¶ld‚c vkSj Jh
vt;HkkbZ ,p iVsy] v/;{k] xqtjkr ,llhch 'kkfey FksA
6
55 TH ANNUAL REPORT
blh dM+h esa ] v/;{k] uS¶ld‚c us i= Ø- Mhvks / uS¶ld‚c/ th &3/2017&18/72 ds }kjk 18&05&2017 dks ekuuh;
dsaæh; foÙk ea=h ls vihy dh fd os Mhlhlhch dks muds ikl tek fofufnZ"V cSad uksVksa dks vkxs tek djus dh vuqefr nsa vkSj
foÙkh; iru ls cpus esa lgk;rk djsa A
Hkkjr ljdkj us vius jkti= vf/klwpuk la- th,lvkj 611 ¼bZ½ 20 twu] 2017 ds ek/;e ls ,lch,u fu;eksa ¼cSadksa]
Mkd?kjksa vkSj ft-e-l- cSadksa½ ds rgr 10 uoacj ls 14 uoacj 2016 dh vof/k ds Hkhrj vius xzkgdksa ls Lohdkj fd, x, fofufnZ"V cSad
uksVksa dks tek djus ds fy, Mhlhlhch dks vuqefr nh xbZ FkhA bu fu;eksa ds 'kq: gksus ls 30 fnuksa ds Hkhrj vkjchvkbZ ds fdlh Hkh
dk;kZy; esa vius Lrj ij tek ;s uksV tek djus dks dgk FkkA
gkykafd] 8 uoacj 2016 ls vkt rd Mhlhlhch ds ikl tek fofufnZ"V cSad uksVksa dk cdk;k ¼1]47-53 djksM+ #i;s½ vkt
rd vkjchvkbZ ds fdlh Hkh dk;kZy; esa foÙkh; o"kZ 2017&18 ds [kRe gksus rd ;k igys tek ugha djus fn;k x;k A
5-2- oLrq vkSj lsok dj Hkkjr ljdkj }kjk 1 tqykbZ] 2017 ls ykxw
"ou us'ku] ou VSDl ,aM ou ekdsZV" ds vkn'kZ okD; ds rgr jkT;ksa ds chp dj ck/kkvksa dks nwj djus vkSj ,dy cktkj
cukus ds fy, Hkkjr ljdkj }kjk 1 tqykbZ] 2017 dks ykxw dh xbZ ,d lesfdr vçR;{k dj ç.kkyh gS oLrq vkSj lsok djA blls
igys] Hkkjr dh laln us laln ds fuEufyf[kr pkj vf/kfu;eksa dks ikfjr fd;k Fkk vkSj 12 vçSy] 2017 dks Hkkjr ds jk"Vªifr dh
lgefr çkIr dh Fkh] vkSj bls Hkkjr ds jkti=] vfrfjä lkekU;] Hkkx II& /kkjk &1] 12 vçSy] 2017 dks çdkf'kr fd;k Fkk : &
i½ dsaæh; oLrq vkSj lsok dj ¼lhth,lVh½ vf/kfu;e] 2017 ¼2017 dk 12½

ii½ ,dh—r oLrq vkSj lsok dj ¼vkbZth,lVh½ vf/kfu;e] 2017 ¼2017 dk 13½
iii½ la?k&'kkflr çns'k oLrq vkSj lsok dj ¼;wVhth,lVh½ vf/kfu;e] 2017 ¼2017 dk 14½ vkSj
iv½ th,lVh ¼jkT;ksa dks eqvkotk ½ vf/kfu;e] 2017 ¼2017 ds 15½
cM+h la[;k esa dsaæh; vkSj jkT; djksa dks ,d dj esa tksM+dj ;g ,d çeq[k rjhds ls nksgjs djk/kku dks de djsxk vkSj ,d
vke jk"Vªh; cktkj ds fy, ekxZ ç'kLr djsxkA miHkksäk ds –f"Vdks.k ls] lcls cM+k ykHk oLrqvksa ds dqy dj ds cks> esa deh ds
ekeys esa gksxk] tks yxHkx 25% &30% gksus dk vuqeku gSA th,lVh ds ykxw gksus ls ?kjsyw vkSj varjjk"Vªh; cktkjksa esa Hkh Hkkjrh;
7
NAFSCOB
mRiknksa çfrLi/khZ cusaxs A v/;;uksa ls irk pyrk gS fd blls vkfFkZd fodkl ij çksRlkgu feysxk A bruk gh ugha cfYd ] ikjn'khZ
vkSj Lo&fu;af=r gksus ds dkj.k bl dj dk çca/ku vklku gksxkA
5-3 yksdlHkk esa is'k fd, x, foÙkh; lek/kku vkSj tek chek fo/ks;d 2017:
foÙkh; lek/kku vkSj tek chek ¼,QvkjMhvkbZ½ fo/ks;d 2017 dks yksdlHkk esa vxLr] 2017 esa is'k fd;k x;k Fkk ftlds
ckn bls la;qä lalnh; lfefr dks lanfHkZr fd;k x;k FkkA çLrkfor foÙkh; lek/kku vkSj tek chek fo/ks;d] 2017] vU; ckrksa ds
lkFk]fuEukafdr ckrksa ij tksj nsrk gS &
¼,½ ,d lek/kku fuxe dh LFkkiuk vkSj fuxe dks ,d LoLFk foÙkh; QeZ] foy; ;k lekesyu esa ifjlaifÙk;ksa ds
gLrkarj.k ls lacaf/kr lek/kku dh dqN 'kfä;ksa dks çnku djus ds fy,] us'kuy daiuh y‚ fVªC;wuy ds vkns'k }kjk
'kq: dh tkus okyh ifjlekiu vkSj dqN ubZ fof/k;ka ladYi dk] tSls fd tekur vkSj iqy lsok çnkrk dk fuekZ.k]
¼ch½ dsaæ ljdkj }kjk fu/kkZfjr ekunaMksa ds vk/kkj ij] dqN foÙkh; lsok çnkrkvksa ds :i esa O;ofLFkr :i ls egRoiw.kZ
foÙkh; laLFkkuksa ds inuke] ftldh foQyrk iwjs foÙkh; ra= dks ckf/kr dj ldrh gS vkSj vFkZO;oLFkk ds fy,
muds egRo dks /;ku esa j[krs gq, çLrkfor dkuwu ,sls laLFkkuksa ds laca/k esa dqN vfrfjä 'kfä;ka çnku djrk gS]
¼lh½ çLrkfor dkuwu ds ç;kstuksa ds fy, dqN dks"kksa dh jpuk] vFkkZr~ ¼i½ fuxe }kjk chek—r lsok çnkrkvksa dks çnku
fd, x, tek chek ds fy, fuxe chek fuf/k; ¼ii½ fufnZ"V lsok çnkrkvksa ds lek/kku dks iwjk djus ds [kpksaZ dks
iwjk djus ds fy, fuxe lek/kku fuf/k; vkSj ¼iii½ fuxe ds vU; lHkh dk;ksaZ ds fy, fuxe lkekU; fuf/k ]
¼Mh½ tek chek vkSj ØsfMV xkjaVh fuxe vf/kfu;e] 1961 dk fujlu]
¼bZ½ mu vf/kfu;eksa ds rgr lek/kku fuxe dks lek/kku 'kfä;ka nsus ds mís'; ls] çLrkfor dkuwu dh pkSFkh vuqlwph
esa çnku dh xbZ rjhds ls dqN vf/kfu;eksa esa la'kks/ku
5-4- lgdkjh cSadksa dks vk;dj NwV ls lacaf/kr eqís:
çR;sd o"kZ dsaæh; ctV dh çLrqfr dh iwoZ la/;k ij uS¶LdkWc foÙk ea=ky; ¼,evks,Q½] Hkkjr ljdkj dks Kkiu çLrqr
djrk gSA uS¶LdkWc us o"kZ 2018&19 ds fy, ,evks,Q] Hkkjr ljdkj dks Kkiu çLrqr fd;kA lgdkjh cSadksa dks vk;dj NwV lfgr
lgdkjh cSadksa ls lacaf/kr vU; eqíksa ij Kkiu 'kkfey gSA foÙk ea=ky;] Hkkjr ljdkj us ykHkktZu djus okys lgdkjh cSadksa dks
vk;dj NwV çnku djus ls ;g dgrs gq, badkj dj fn;k fd os okf.kfT;d cSadksa dh rjg dke djrs gSaAdsaæh; foÙk ea=h bl –<+
fopkj ds gSa fd vk;dj çko/kkuksa ds laca/k esa lgdkjh cSadksa dks okf.kfT;d cSadksa ds cjkcj ekuk tkuk pkfg,A
8
55 TH ANNUAL REPORT
Hkkjrh; jk"Vªh; lgdkjh la?k ¼,ulh;wvkbZ½ us 08&01&2018 ds vius i= la- ,ulh;wvkbZ / ih;wch / ctV / 2018 ds
ek/;e ls uS¶LdkWc dks fVIif.k;k¡ Hkstus ds fy, vuqjks/k fd;k FkkA bl laca/k esa uS¶LdkWc us vius i= la[;k uS¶ld‚c / ,u &1
/2017&18 / 367 fnukad 24&01&2018 ds }kjk ,ulh;wvkbZ dks fVIif.k;ka Hkstha A
6-0 Hkkjrh; fjtoZ cSad&ekSfnzd vkSj _.k uhfr ,oa vU; cSafdx&laca/kh mide&2017&18
z
6-1 f}ekfld ekSfnzd uhfr oäO;] 2017&18& xoZuj] Hkkjrh; fjtZo cSad us fuEukafdr }Sekfld oäO;ksa dh 2017&18 esa
?kks”k.kk,¡ dha %&
• izFke }Sekfld ekSfæd uhfr oäO; 06&04&2017
• f}Rrh; }Sekfld ekSfæd uhfr oäO; 07&06&2017
• rhljk }Sekfld ekSfæd uhfr oäO; 02&08&2017
• prqFkZ }Sekfld ekSfæd uhfr oäO; 04&10&2017
• ikWpok }Sekfld ekSfæd uhfr oäO; 06&12&2017
• NBk }Sekfld ekSfæd uhfr oäO; 07&02&2018 .
6-1-1 fo”ks’krk,¡ %&o”kZ 2017&18 esa vkjchvkbZ }kjk }Sekfld uhfr oäO;ksa ds ek/;e ls ?kksf”kr izeq[k uSfrd fu.kZ;ksa dh fo”ks’krk,¡W
bl izdkj gSaS%&
• pyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ ds varxZr uhfr jsiks nj dks 6-25 vk/kkj vadksa ls 25 vk/kkj vad ?kVkdj
rRdky izHkko ls 6-0 izfr”kr fd;k tk,A
• ifj.kkeLo:i] ,y,,Q ds rgr çfrorhZ jsiks nj 5-75 çfr'kr ij vkSj lhekar LFkk;h lqfo/kk ¼,e,l,Q½ nj rFkk
cSad nj 6-25 çfr'kr ij cjdjkj jgsxhA
• ,eihlh dk fu.kZ; ekSfæd uhfr ds rVLFk #>ku ds vuq:i gSA bldk rkjrE;] o`f) dks lgkjk çnku djrs gq,
miHkksDrk ewY; lwpdkad ¼lhihvkbZ½ vk/kkfjr eqækLQhfr ds 4 çfr'kr ds e/;kof/kd y{; dks +/&2 çfr'kr ds
nk;js esa j[kus ds mís'; ls Hkh gSA
• Ukdnh vkjf{kr fuf/k vuqikr ¼lhvkjvkj½ dks fuoy ek¡x vkSj le; ns;rk ¼,uMhVh,y½ ds 4-0 izfr”kr ij j[kk
tk, A
9
NAFSCOB
¼ifjf'k"V 2 ,oa 3 esa cSad nj] jsiks nj] ,oa izfrorhZ jsiks nj ds ifjoZruksa dk C;kSjk fn;k x;k gSA½
6-2 cSaddkjh fofu;eu vf/kfu;e 1949 dh /kkjk 24 vkSj /kkjk 56 & lkafof/kd pyfuf/k vuqikr ¼,l,yvkj½ cuk, j[kuk
Hkkjrh; fjtoZ cSad us vius 7 twu] 2017 ds ifji= ds }kjk ?kks"k.kk dh fd okf.kfT;d cSadksa] çkFkfed ¼'kgjh½ lgdkjh cSadksa
¼;wlhch½] jkT; vkSj dsaæh; lgdkjh cSadksa ds fy, lkafof/kd pyfuf/k vuqikr ¼,l,yvkj½ dks bu cSadksa dh fuoy ekax vkSj eh;knh
ns;rkvksa ¼,uMhVh,y½ ds 20-5 çfr'kr ls ?kVkdj 24 twu 2017 ls vkjaHk gksus okys i[kokM+s ls 20-00 çfr'kr dj fn;k tk,A vkxs]
vkjchvkbZ us 14&10&2017 ls lkafof/kd pyfuf/k vuqikr ¼,l,yvkj½ 19-50 çfr'kr rd de dj fn;kA
6-3 lgdkjh cSad }kjk iwoZnRr Hkqxrku fy[kr ¼çh&isM isesaV baLVªwesaVl½ tkjh djus ds fy, fofu;ked vko’drk,¡
Hkkjrh; fjtoZ cSad us vius 25-05-2017 ds ifji= ds }kjk fu.kZ; çsf"kr fd;k fd vius ,Vh,e usVodZ j[kus okys lHkh
ykblsal çkIr lgdkjh cSadksa dks v/kZ&lhfer ¼lsfe&DyksLM½ ihihvkbZ tkjh djus dh vuqefr gS] c'krsZ fd cSad dks tek ysus dh
Loh—fr ;k iquHkqZxrku ij dksbZ çfrca/k ugha gksA ;g Hkqxrku vkSj fuiVku ç.kkyh foHkkx ¼Mhih,l,l½] Hkkjrh; fjtoZ cSad }kjk
le;≤ ij fu/kkZfjr ik=rk ekunaM rFkk vU; fn'kkfuns'kksa ds vuqikyu ds v/khu gSA
6-4 jk"Vªh; bysDVª‚fud fuf/k varj.k ¼,ubZ,QVh½ ç.kkyh & vk/ks ?kaVs ds varjky ij fuiVku ds laca/k esa vkjchvkbZ ds fo'ks"k
vuqns'k
jk"Vªh; bysDVª‚fud fuf/k varj.k ¼,ubZ,QVh½ ç.kkyh esa vk/ks ?kaVs ds varjky ij ,ubZ,QVh ç.kkyh esa vfrfjä fuiVku
ykxw fd, tk jgs gSa rkfd ç.kkyh dh n{krk dks c<+k;k tk lds vkSj xzkgdksa dks lqfo/kk çnku dh tk ldsA vk/ks ?kaVs esa fd, tkus okys
fuiVku /ku varj.k dh çfØ;k dks xfr çnku djsaxs vkSj xarO; [kkrksa esa rsth ls ØsfMV çnku djsaxsA rnuqlkj] ;g fu.kZ; fy;k x;k
gS fd fnu ¼8-30 cts] lqcg 9-30 cts] 10-30 cts --------- 5-30 cts vkSj 6-30 cts½ esa 11 vfrfjä fuiVku cSpksa dks ykxw fd;k] ftlds
pyrs fnu esa vk/ks ?kaVs ds fuiVku cSpksa dh dqy la[;k 23 gks tk,xhA 'kq:vkrh cSp 8:00 cts vkSj can gksus okyk cSp 7:00 cts mlh
rjg jgsxk tSlk fd vc rd FkkA ekStwnk O;oLFkk ds vuqlkj fjVuZ vuq'kklu vFkkZr~ ch + 2 ?kaVs ¼fuiVku cSp dk le; vkSj lkFk esa
nks ?kaVs½ Hkh igys ds leku gh jgsxkA blfy,] Hkkx ysus okys cSadksa dks lwfpr fd;k tkrk gS fd os vk/ks ?kaVs esa gksus okys fuiVku ds
fy, ,ubZ,QVh ysunsu vkjaHk djus ds fy, vkSj vk/ks –vk/ks ?kaVs esa vkod ,ubZ,QVh ysunsuksa dks Lohdkj vkSj ØsfMV djus ds fy,
Hkh mi;qZä vuqlkj viuh lhch,l ç.kkyh esa vko';d ifjorZu djsaA
10
55 TH ANNUAL REPORT
6-5 dkMZ ysunsu ds fy, O;kikjh vf/kxzg.k ij vkjchvkbZ ds fn'kkfunsZ'k
lgdkjh cSadksa esa foÙkh; ysunsu ds fy, fMftVy pWuyksa dks çksRlkfgr djus dh vko';drk dks /;ku esa j[krs gq, lHkh
lgdkjh cSadksa dks Lo;a vFkok vU; cSadksa ds lkFk dks&czkaMhax O;oLFkk }kjk ØsfMV dkMZ dkjksckj esa ços'k djus dh Hkh vuqefr nh xbZ
gS c'krsaZ fd bl laca/k esa vkjchvkbZ }kjk 28 vçSy 2017 ds vuqlkj fu/kkZfjr fn'kkfunsZ'kksa dks os iwjk djrs gksa A
6-6 jkT; lgdkjh cSadks vkSj ftyk e/;orhZ lgdkjh cSadks ds lapkydkas vkSj eq[; dk;Zikyd vf/kdkfj;ksa ds fy, “;ksX; vkSj
mi;qDr ekunaM ’’ laca/kh vkjchvkbZ ds fn’kkfunsZ’k %
vkjchvkbZ us “;ksX; vkSj mfpr ekunaM” esa 05 tqykbZ] 2011 dks la’kks/ku fd;kA bldh eq[; fo’ks”krk,a uhps nh xbZ gSaA
fLFkfr in ekunaM ¼la'kksf/kr Hkkx½

funs'kd ¼fuokZfpr çR;sd fuokZfpr funs'kd ls layXud II esa ,d ?kks"k.kk çkIr dh
lnL;½ tk,xhA ?kks"k.kk esa funs'kdksa }kjk çnku dh xbZ tkudkjh ds ckjs esa Lo;a dks larq"V djus ds
fy, fuokZfpr cksMZ }kjk ,d fo'ks"k cksMZ Lrjh; lfefr dh LFkkiuk dh tk,xhA
is'ksoj funs'kd
1. ;fn fuokZfpr lnL;ksa ds ikl fu/kkZfjr ;ksX;rk / vuqHko ugha gS ¼tSlk fd layXud esa
fn;k x;k gS½] cksMZ bl rjg ds fu/kkZfjr ;ksX;rk / vuqHko ds lkFk vko';d la[;k esa
is'ksojksa dk p;u djsxk rkfd ;g lqfuf'pr fd;k tk lds fd fu/kkZfjr ;ksX;rk /
vuqHko ds de&ls&de rhu funs'kd gSa A ,sls lg&funsZf'kr funs'kdksa ds ikl
ernku vf/kdkj gksaxsA
2. cSad ds lkFk okf.kfT;d ysunsu djus okys O;fä ¼tSls Bsdsnkj] dkuwuh lykgdkj]
ys[kk ijh{kd vkfn tSls is'ksoj½dk cSad ds lkFk O;kolkf;d laca/k ekuk tk,xkA
cSad ls tek / m/kkj ysus okys O;fä dks mís'; ds fy, O;kolkf;d laca/k gksus ds :i
esa oxhZ—r ugha fd;k tk,xkA
3. blds vykok] layXud II ds :i esa ,d ?kks"k.kk dks mldh fu;qfä ds le; ,d
lg&p;fur funs'kd ls çkIr fd;k tk,xkA mijksä of.kZr cksMZ Lrjh; lfefr
?kks"k.kk esa nh xbZ tkudkjh ij fuHkZj çR;sd lg&p;fur funs'kd ds laca/k esa mfpr
11
NAFSCOB
ifjJe dh çfØ;k djsxhA.

eq[; dk;Zdkjh 1- lhbZvks ds :i esa fu;qä O;fä de ls de:
vf/kdkjh v½ lgdkjh O;kikj çca/ku ;k led{k esa lh,vkbZvkbZch / Mhch,Q / fMIyksek
ds lkFk Lukrd gks ; ;k
vk½ pkVZMZ / ykxr ys[kkdkj; ;k
b½ fdlh Hkh fo"k; esa LukrdksÙkj gks
2- mís'; ds fy, ofj"B / e/;e Lrj dks rhljs Lrj ¼Ldsy / dSMj½ ds :i esa fy;k
tk,xk ¼;kuh] vf/kdkjh dSMj esa igys nks Lrjksa ¼Ldsy / dSMj½ dks NksM+dj½] ;k
mPpre nks Lrjksa ¼Ldsy / lh,Mh,l ds Lrj ls uhps½A
3- ç'u / p;u lfefr esa cSad ds cksMZ dks fu;qfä ls igys layXud II esa çkIr tkudkjh
ds vk/kkj ij ml O;fä ds laca/k esa mfpr ifjJe dh çfØ;k Hkh djuh pkfg,A
la'kksf/kr ekunaM:
blds ckn] vkjchvkbZ us ,llhch / Mhlhlhch ds lhbZvks dh fu;qfä ds fy, vk;q lhek dks 04 tuojh] 2018 ds vius i=
la[;k Mhlhchvkj-lhvks -vkjlhchMh ua-2365/19-151-022/2017&18 ds vuqlkj fuEukuqlkj la'kksf/kr fd;k:
v½ ços'k Lrj dh ik=rk ds fy, 62 o"kZ rd dh NwV A
vk½ dk;Zeqfä ds fy, ] Åijh vk;q lhek 70 o"kZ fu/kkZfjr dh tkuh pkfg,A gkykafd] vyx&vyx ,llhch vkSj
Mhlhlhch ds funs'kd eaMy ¼chvksMh½ dh flQkfj'kksa] ;fn dksbZ gks] ij fopkj djus ds ckn lacaf/kr jkT;ksa ds
lgdkjh lfefr iath;d / jftLVªkj ¼vkjlh,l½ }kjk lsok&fuo`fÙk dh mez r; dh tk ldrh gSA 70 o"kksaZ dh dqy
lhek ds Hkhrj] O;fäxr ,llhch / Mhlhlhch cksMZ lacaf/kr jkT; ds vkjlh,l dh eatwjh ds v/khu] ,d vkarfjd
uhfr ds :i esa lhbZvks ds fy, de lsokfuo`fÙk dh vk;q fu/kkZfjr djus ds fy, Lora= gSaA
ukckMZ us 17 tuojh] 2018 ds vius ifji= ds ek/;e ls lHkh jkT;ksa vkSj dsaæ 'kkflr çns'kksa ds lgdkjh lfefr;ksa
¼vkjlh,l½ ds jftLVªkjksa dks ;g lwfpr fd;kA
12
55 TH ANNUAL REPORT
6-7 vkjchvkbZ ds xzkgd laj{k.k – vuf/k—r bysDVª‚fud cSafdax ysunsu esa lgdkjh cSadksa ds xzkgdksa dh ns;rk dks lhfer djus
laca/kh fn'kk&funsZ'k
vkbZVh lefFkZr foÙkh; lekos'ku vkSj lacaf/kr xzkgd lqj{kk ds eqíksa ij vf/kd tksj nsus vkSj vuf/k—r ysunsuksa] ftlds
ifj.kke Lo:i xzkgdksa ds [kkrksa/ dkMksaZ ds ukes Mkyus ls lacaf/kr xzkgdksa dh f'kdk;rksa esa gky gh esa gqbZ rhoz o`f) dks ns[krs gq,] bu
ifjfLFkfr;ksa esa xzkgd dh ns;rk fu/kkZfjr djus ds ekunaM dh leh{kk dh xbZ gSA Hkkjrh; fjtoZ cSad us vius 14&12& 2017 ds
ifji= ds }kjk lHkh ,llhch vkSj Mhlhlhch dks la'kksf/kr fn'kkfunsZ'k çsf"kr fd, A
6-8- MsfcV dkMZ ysu&nsuksa ds fy, epsaZV fMLdkmaV jsV ¼,eMhvkj½ ds ;kSfädhdj.k laca/kh vkjchvkbZ dk la'kksf/kr <kapk %
"Mªk¶V ifji= & MsfcV dkMZ ysu&nsuksa ds fy, epsaZV fMLdkmaV jsV ¼,eMhvkj½ dk ;kSfädhdj.k " ij fgr/kkjdksa ds lkFk
fd, x, ijke'kZ ds vk/kkj ij vkSj lkFk gh O;kikfj;ksa ds ,d cM+s lewg] fo'ks"k :i ls NksVs O;kikfj;ksa }kjk MsfcV dkMZ Loh—fr dks
c<+kok nsus vkSj blesa 'kkfey laLFkkvksa ds fy, O;kikj dh fLFkjrk dks lqfuf'pr djus ds nks mís';ksa dks /;ku esa j[krs gq, vkjchvkbZ
us vius 06&12&2017 ds ifji= ds }kjk MsfcV dkMksaZ ds fy, epsaZV fMLdkmaV jsV ¼,eMhvkj½ ds ;kSfädhdj.k dk fu.kZ; lHkh cSadksa
dks lwfpr fd;k A
6-9 ifCyd ØsfMV jftLVªh ¼ihlhvkj½ ij mPp Lrjh; VkLd QkslZ ¼,pVh,Q½ ds rgr lgdkjh cSadksa ds mi&lewg dk xBu :
Hkkjrh; fjtoZ cSad us 23&10&2017 dh çsl foKfIr ds vuqlkj ,y ,aM Vh Qkbusal gksfYMaXl fyfeVsM ds iwoZ lh,eMh Jh
okbZ ,e nsoLFkyh dh v/;{krk esa ihlhvkj ij ,d ,pVh,Q ds xBu dh ?kks"k.kk dhA ihlhvkj Hkkjr ds fy, _.k dh tkudkjh
dk ,d O;kid MsVkcsl gksxk tks lHkh fgr/kkjdksa ds fy, lqyHk gSA blls ØsfMV cktkj dh n{krk esa o`f)] foÙkh; lekos'k esa o`f)]
O;kikj djus esa vklkuh esa lq/kkj vkSj vijk/kksa dks fu;af=r djus esa enn feysxhA
blds vykok] ,pVh,Q us ¼i½ cSafdax ds rgr ikap mi&lewg xfBr fd,] ¼ii½ lgdkjh cSad] ¼iii½ xSj&cSafdax foÙkh;
daifu;ksa ¼,uch,Qlh½] ¼iv½ lwpuk çkS|ksfxdh vkSj ¼v½ fofHkUu fopkjksa dks ;FkkFkZ djus ds fy, fu;ked fgr/kkjdksaA rnuqlkj]
ukckMZ us 06 Qjojh 2018 ds vius i= ds ek/;e ls ihlhvkj ij lgdkjh cSadksa ds mi&lewg ds xBu dks uS¶ld‚c dks crk;kA
ihlhvkj ij lgdkjh cSadksa ds mi&lewg dk usr`Ro Jh ds osadVs'oj jko] lhth,e] Mhvks,l] ukckMZ] ,pvks }kjk fd;k tkrk gSA
ukckMZ us lgdkjh cSadksa ds mi&lewg ds lnL;ksa esa ls ,d ds :i esa uS¶ld‚c ds çca/k funs'kd ukfer fd;kA
13
NAFSCOB
ihlhvkj ij lgdkjh cSadksa ds mi&lewg esa 'kkfey gSa %

1 Jh ds osadVs'oj jko] lhth,e] Mhvks,l] ukckMZ] gsM v‚fQl v/;{k
2 egkçca/kd] vkbZMhMh] ukckMZ] gsM v‚fQl lnL;
3 egkçca/kd] Mh,QvkbZchVh] ukckMZ] gsM v‚fQl lnL;
4 mi egkçca/kd] dkuwu foHkkx] ukckMZ] gsM v‚fQl lnL;
5 çca/k funs'kd] uS¶ld‚c * lnL;
6 lhbZvks / çca/k funs'kd] egkjk"Vª jkT; lgdkjh cSad lnL;
7 lhbZvks / çca/k funs'kd] vle jkT; lgdkjh cSad lnL;
8 lhbZvks / çca/k funs'kd] vgen uxj ftyk dsaæh; lgdkjh cSad lnL;
9 lhbZvks / çca/k funs'kd] jktdksV ftyk dsaæh; lgdkjh cSad lnL;
10 lhbZvks / çca/k funs'kd] oylkM ftyk dsaæh; lgdkjh cSad lnL;
11 lfpo] ih,lh,l] vgenuxj ftyk lnL;
12 lfpo] ih,lh,l] jktdksV ftyk lnL;
13 lhbZvks] ljLor lgdkjh cSad fyfeVsM] eqacbZ lnL;
14 lhbZvks] vH;qn; lgdkjh cSad fyfeVsM] eqacbZ lnL;
15 lhbZvks] ,udsth,lch lgdkjh cSad fyfeVsM] eqacbZ lnL;
16 lhbZvks] fo'os”oj lgdkjh cSad fyfeVsM] eqech lnL;
17 ,u,l,y lnL; ds çfrfuf/k lnL;
18 Jh Mh ds feJk] th,e] Mhvks,l] ukckMZ] gsM v‚fQl lnL; lfpo
MkW- ts- ,l- guek’ksV~Vh] mifuns’kd us izca/kd funs’kd] uS¶ld‚c dk izfrfuf/kRo fd;k %
6-10 - baQksjes'ku ;wfVfyVht dks foRrh; lwpuk,a çLrqr djus laca/kh vkjchvkbZ dk ifji=
vkjchvkbZ us vius 19&12&2017 ds ifji= ds }kjk Hkkjrh; fjtoZ cSad }kjk fofu;fer lHkh foRrh; _.knkrkvksa dks
lwfpr fd;k fd vkbZchlh] 2016 vkSj vkbZchchvkbZ ¼vkbZ;w½ fofu;ekoyh 2017 ds lacaf/kr çko/kkuksa dk ikyu djsa rFkk lafgrk ,oa
fofu;ekoyh ds çko/kkuksa dk vuqikyu lqfu'fpr djus ds fy, rRdky mfpr ç.kkyh rS;kj djsaA
14
55 TH ANNUAL REPORT
7- jk"Vªh; —f"k vkSj xzkeh.k fodkl cSad ¼ukckMZ½ &uhfr vkSj vU; igysa y?kq vof/k ds xzkeh.k lgdkjh _.k laLFkkvksa ds fy,
& 2017&18
7-1 ukckMZ jk-l-cSadksa dks y?kq&vof/k ¼ ,lVh½ iqufoZÙk ekSleh —f"k ifjpkyuksa ¼ ,l,vks½ dks foÙkiks"k.k djus gsrq o"kZ
2017&18 dh uhfr
uhfr dh tc ls leh{kk dh xbZ gS ukckMZ us lHkh ,llhch dks foÙkh; o"kZ 2017&18 ds fy, mlh uhfr dks O;kid :i ls
tkjh j[kus ds vius QSlys ds ckjs esa crk;kA o"kZ 2017&18 ds fy, uhfr dh eq[; fo'ks"krk,a uhps nh xbZ gSa:
i½ iqufoZÙk dh ik=rk iwath ls tksf[ke ¼Hkkfjr½ laifÙk vuqikr ¼lhvkj,vkj½ ekunaMksa ds vuqikyu ij fuHkZj FkhA
,lVh ¼vU;½ iqufoZÙk ,llhch / Mhlhlhch dks uhps fn, x, lhvkj,vkj ekunaMksa ds vuqlkj miyC/k gksxk%
a½ ,llhch ftudk lhvkj,vkj 7% ls Åij gS vkSj os Mhlhlhch ftudk 7% ls Åij ¼31-03-2016 dh
fLFkfr ½] os ,lVh ¼vU;½ iqufoZÙk ds fy, ik= FksA 7% ls de lhvkj,vkj okys ,llhch iqufoZÙk ds fy,
ik= ugha FksA
b½ mu ,llhch ds ekeyksa esa ftudk lhvkj,vkj 7% ls vf/kd Fkk] ysfdu O;fäxr Mhlhlhch dk
lhvkj,vkj 7% ls de Fkk] ,sls cSadksa dh rjQ ls dksbZ ØsfMV lhek miyC/k ugha FkhA
ii½ 31-03-2016 dks lekIr o"kZ ds fy, ,llhch dk ys[kk ijh{kk iwjk fd;k tkuk FkkA
iii½ iqufoZÙk dh ek=k ;FkkFkZoknh _.k dk;ZØe ¼vkj,yih½ dk 100%FkkA
iv½ 'jkT; LokfeRo okys la?kksa dh [kjhn vkSj foi.ku xfrfof/k;ksa ds foÙkiks"k.k ds fy, ,llhch dks iqufoZÙk ds
çko/kku' ds fy, ubZ xfrfof/k;ka vkSj 'cksuQkbM foÙkiks"k.k ds fy, iqufoZÙk' okf.kfT;d ;k O;kikj ysunsu
xfrfof/k;ksa dks uhfr ifji= esa 'kkfey fd;k x;k FkkA
v½ ukckMZ }kjk ,llhch dks iqufoZÙk lgk;rk 7-5% çfr o"kZ dh C;kt nj ij miyC/k Fkh tks fd le;≤ ij
ukckMZ }kjk crk, x, la'kks/kuksa ds v/khu gS A
• ik= xfrfof/k;ka:
,lVh ¼vU;½ ds rgr ukckMZ ls iqufoZÙk lgk;rk ds çko/kku ds fy, ;ksX; xfrfof/k;ka &
i½ —f"k vkSj lac) xfrfof/k;ksa dh dk;Z'khy iwath vko';drk
ii½ Qlyksa dk foi.ku
iii½ vkS|ksfxd lgdkjh lfefr;ka ¼cqudjksa ds vykok½
15
NAFSCOB
iv½ dqVhj] xkao vkSj y?kq m|ksxksa ds 22 vuqeksfnr O;kid lewgksa esa ls ,d ;k vf/kd esa Je vuqca/k lgdkjh lfefr;ka]
xzkeh.k {ks=ksa esa flfoy dk;Z esa yxs Je vuqca/k lgdkjh lfefr;ksa ds NksVs ou mRiknu] Je vuqca/k lgdkjh
lfefr;ksa ds laxzg vkSj foi.ku esa yxs ou Je lgdkjh lfefr;kaA
v½ çkFkfed —f"k lgdkjh lfefr ¼ih,lh,l½ / —"kd lsok lfefr;ka ¼,Q,l,l½ /cM+s vkdkjokyh vkfnoklh
cgq&ç;kstuh; lfefr;k¡ ¼,y,,eih,l½ ds cqudj lnL;ksa lfgr xzkeh.k dkjhxjA
vi½ eRL;ikyu {ks= / eRL; ikyu xfrfof/k;kaA
7-2 ekSleh —f"k lapkyu ¼,l,vks½ foÙkiks"k.k ds fy, ,lchch dks ukckMZ }kjk 'k‚VZ VeZ ¼,lVh½ iqufoZÙk ds çko/kku ds fy, o"kZ
2017&18 ds fy, vfrfjä iqufoZÙk:
foÙk o"kZ 2016&17 ds fy, uhfr dh leh{kk rc ls dh xbZ Fkh vkSj ukckMZ }kjk foÙkh; o"kZ 2017&18 ds fy, leku uhfr ds
lkFk O;kid :i ls tkjh j[kk x;k FkkA
ifji= nksgjkrk gS fd vfrfjä y?kq vof/k iqufoZÙk ds rgr Loh—r dqy lhek ik= dsaæh; lgdkjh cSadksa ds lkekU; _.k
O;oLFkk ¼th,ylh½ ds 50% ls vf/kd ugha gksuh pkfg, ftlesa lkekU; y?kq vof/k ¼ ekSleh —f"k dk;Z½ ds rgr cdk;k Hkh 'kkfey gS
A vYikof/k lgdkjh xzkeh.k _.k ¼,lVhlhvkjlh½ fuf/k dh yafcr çkfIr bl _.k ds rgr ,llhch th,ylh ds 50% ;k tSlk Hkh
ekeyk gks ] tks lkekU; lhek ds rgr iqufoZÙk çkIr gksus ij lek;ksftr dh tk ldrh gS A ,llhch lHkh ik= Mhlhlhch dh rjQ ls
vfrfjä y?kq vof/k ¼ekSleh —f"k dk;Z½ _.k lhek dh Loh—fr ds fy, ukckMZ vkjvks esa tkdj fu/kkZfjr çksQkekZ esa vkosnu tek
dj ldrs gSa A mÙkj iwohZ {ks=] tEew&d'ehj] flfDde] fgekpy çns'k] mÙkjk[kaM vkSj vaMeku vkSj fudksckj }hi lewg esa fLFkr
,llhch fuoy vutZd vkfLr ¼,uih,½ esa NwV ds lkFk 20% vfrfjä iqufoZÙk ds fy, ik= FksA ØsfMV dh bl ;kstuk ds rgr
iqufoZÙk ij C;kt nj o"kZ 2017&18 ds nkSjku 7-5% Fkh] tks le;≤ ij ukckMZ }kjk fd, x, ifjorZuksa ds v/khu FkhA C;kt 30
flracj vkSj 31 ekpZ dks v/kZ&okf"kZd njksa ij ns; FkkA
7-3- dsUæh; dsokbZlh vfHkys[k jftLVªh ds lapkyu ds fy, ukckMZ ls xzkeh.k lgdkjh cSadksa vkSj {ks=h; xzkeh.k cSadksa ¼vkjvkjch½
dks foÙkh; lekos'ku fuf/k ¼,QvkbZ,Q½ ls foÙkh; lgk;rk :
Hkkjrh; fjtoZ cSad us 08 fnlacj 2016 dks vius ekLVj fn'kkfunsZ'kksa ds ek/;e ls vf/klwfpr fd;k gS fd vuqlwfpr
okf.kfT;d cSadksa ds vykok lHkh fofu;fer laLFkkvksa ¼vkjbZ,l½ dks 1 vçSy] 2017 ;k mlds ckn [kksys x, lHkh u, O;fäxr [kkrksa
ls lacaf/kr dsokbZlh MsVk dks dsaæh; dsokbZlh vfHkys[k jftLVªh ¼lhdsokbZlhvkj½ esa viyksM djuk gS A bl laca/k esa ukckMZ us 12
vçSy 2017 ds vius ifji= ds ek/;e ls xzkeh.k lgdkjh cSadksa vkSj vkjvkjch dks lhdsokbZlhvkj ç.kkyh ij tkus ds fy, çksRlkfgr
djus ds fy, foÙkh; lekos'k fuf/k ls foÙkh; lgk;rk c<+kus dk viuk fu.kZ; crk;kA
16
55 TH ANNUAL REPORT
7-4- 2017&18 ds fy, ;kstukc) m/kkj ij ,llhch ds fy, ukckMZ dh iqufoZÙk uhfr:
,llhch ds fy, ;kstukc) _.k ds fy, iqufoZÙk ij ukckMZ dh uhfr dh leh{kk dh xbZ vkSj o"kZ 2017&18 dh uhfr 31
ekpZ] 2017 ifji= ds ek/;e ls lwfpr dh xbZA ,llhch dks 4 Jsf.k;ksa esa oxhZ—r fd;k x;k FkkA ukckMZ ds tksf[ke çca/ku foHkkx
}kjk rS;kj tksf[ke ewY;kadu e‚Mîwy ds vuqlkj de tksf[ke ¼vad 65 vkSj Åij½]uje tksf[ke ¼50 ls 64 vad½] e/;e tksf[ke ¼40
ls 49 vad½ vkSj mPp tksf[ke ¼40 ls uhps vad½A iqufoZÙk ij C;kt dh nj ij ukckMZ yxk, x, fu/kkZfjr tksf[ke çhfe;e ij fuHkZj
Fkk A
cSad dh ik=rkA 'kq) ,uih, ] 2015&16 esa 'kq) ykHk] 31-03-2016 dks lhvkj,vkj vkSj ys[kk ijh{kk oxZ oxhZdj.k tSls
foÙkh; ekudksa ds vk/kkj ij fu/kkZfjr gS A
• iqufoZÙk dh ek=k %
ekunaM iqufoZÙk dh ek=k
de tksf[ke Js.kh ¼vad 65 vkSj iqufoZÙk dh ek=k vçfrcaf/kr Fkh] cSadksa ds ;FkkFkZoknh
Åij½] m/kkj dk;ZØe dks ukckMZ dks Lohdk;Z vkSj jkT; / cSad ds fy, dqy
vkoaVu ds v/khuA
uje tksf[ke ¼50 ls 64 vad½] 2015&16 ds nkSjku lacaf/kr ,llhch / Mhlhlhch }kjk fn, x, lkof/k
e/;e tksf[ke ¼40 ls 49 vad½ _.k ds fy, fiNys o"kZ / 90% tehu Lrj ds ØsfMV ds iqufoZÙk ds
Js.kh Åij iqufoZÙk dh ek=k 25% ij r; dh xbZ Fkh] tks Hkh vf/kd FkhA
mPp tksf[ke ¼40 ls uhps vad½ Js.kh cSad iqufoZÙk ds fy, ;ksX; ugha FkkA
7-5 ,l,vks foÙkiks"k.k ds fy, jkT; lgdkjh cSadksa dks ,lVh iqufoZÙk ds çko/kku ij o"kZ 2017&18 ds fy, ukckMZ uhfr:
o"kZ 2017&18 ds fy, ,lVh ¼,l,vks½ uhfr dh eq[; fo'ks"krk,a fuEukuqlkj gSa:
• vuqlwfpr tkfr ¼,l,vks½ iqufoZÙk dh ek=k ,llhch ds usV ,uih, Lrj ls tqM+h gqbZ FkhA 2016&17 ds nkSjku
ifjpkfyr fd, x, ekunaM 2017&18 ds nkSjku fuEufyf[kr la'kks/kuksa ds lkFk tkjh jgs FksA
• vU; phtksa ds chp iqufoZÙk dh ek=k ds fy, ;ksX;rk 31-03-2016 dks ,llhch dh 'kq) ,uih, fLFkfr ij vk/kkfjr
FkhA
& oS/kkfud ys[kkijh{kk fjiksVZ esa n'kkZ, x, ,uih, dh fLFkfr ik=rk ds vk/kkj dk xBu djrh gSA
17
NAFSCOB
& gkykafd] ys[kkijh{kk fjiksVZ vkSj ukckMZ dh fujh{k.k fjiksVZ esa n'kkZ, x, 'kq) ,uih, fLFkfr esa fdlh Hkh cnyko dh
fLFkfr esa] mÙkjknZ~/k ik=rk fu/kkZfjr djus ds fy, ekuk tkuk FkkA
,llhch / Mhlhlhch Lrj ij 'kq) ,uih, fLFkfr vkSj ,llhch / Mhlhlhch 'kk[kkvksa ds Lrj ij ugha] ,llhch
dh ik=rk ds mís'; ds fy, fxuk tkuk FkkA
& ;fn 31-03-2017 dks oS/kkfud ys[kkijh{kk ds iwjk gksus ds ckn] fdlh Hkh foÙkh; ekudksa esa lq/kkj / fxjkoV gS] rks
mls iqufoZÙk lhek dh ;ksX;rk ds fy, ekuk tk,xkA
• ,llhch / Mhlhlhch ij ykxw lhvkj,vkj ekunaMA rnuqlkj] 31-03-2016 dks 7% vkSj mlls vf/kd ds
lhvkj,vkj ds vuqikyu esa ykblsal çkIr ,llhch ¼vuqlwfpr / xSj&vuqlwfpr½ / ykblsal çkIr Mhlhlhch ds
fy, iqufoZÙk miyC/k gSA
& 7% vkSj mlls vf/kd ds lhvkj,vkj ds lkFk ,llhch ds ekeys esa] lhvkj,vkj ds lkFk 7% ls de O;fäxr
Mhlhlhch] ,sls Mhlhlhch dh rjQ ls dksbZ ØsfMV lhek miyC/k ugha gSA
& 7% ls de lhvkj,vkj ds lkFk ,llhch rktk iqufoZÙk ds fy, ;ksX; ugha gSA
& 7% ls de lhvkj,vkj ds lkFk ,llhch ds ekeys esa] ysfdu 7% vkSj mlls vf/kd ds lhvkj,vkj ds lkFk
O;fäxr Mhlhlhch] ljdkjh xkjaVh ds f[kykQ ;k vuqlwfpr cSadksa dh ljdkj / vuqeksfnr çfrHkwfr;ksa /
,QMhvkj ds çfrKk ds f[kykQ lh/ks Mhlhlhch dks Loh—r ØsfMV lhekA
& 09-09-2011 fnukafdr gekjs ifji= la- 172 ds ek/;e ls igys gh tkjh fd, x, Mhlhlhch dks iqufoZÙk çnku
djus ds fy, foLr`r fn'kkfunsZ'kA
& 31-03-2017 dks lekIr o"kZ ds fy, ,llhch vkSj Mhlhlhch ds ys[kk ijh{kk dks iwjk fd;k tkuk pkfg, vkSj
lacaf/kr fjiksVZ 30-09-2017 rd ukckMZ ds lacaf/kr vkjvks dks çLrqr dh tkuh pkfg,A
& 01-10-2017 ds ckn ds fp=ksa us dsoy ,sls ,llhch vkSj Mhlhlhch dks vuqefr nh] ftUgksaus 2016&17 ds fy,
ys[kkijh{kk iwjh dh Fkh vkSj lacaf/kr fjiksVZ ukckMZ ds lacaf/kr {ks=h; dk;kZy; dks lkSaih FkhA
• o"kZ 2017&18 ds fy, ukckMZ ,lVh ¼,l,vks½ uhfr ds rgr iqufoZÙk dh ek=k dk fooj.k uhps fn;k x;k gS:
,llhch ds usV ,uih, ik=rk lhek ¼ik= Mhlhlhch ds ;FkkFkZoknh

_.k dk;ZØe ¼vkj,yih½ ds çfr'kr ds :Ikesa½
lkekU; iqufoZÙk dh ek=k
& 6 % rd 40 %
& 6 % ls Åij vkSj 10 % rd 35 %
& yxHkx 10 % & 20 % rd 30 %
& 20 % ls Åij & ik= ugha gS
18
55 TH ANNUAL REPORT
'kq) ,uih, esa NwV ds lkFk 20% vfrfjä iqufoZÙk *

& 15 % rd & 60 %
& 15 % ls Åij vkSj 25 % rd & 55 %
& yxHkx 25 % & ik= ugha gS
* mÙkj&iwohZ {ks=] tEew&d'ehj] flfDde] fgekpy çns'k] mÙkjk[kaM vkSj vaMeku vkSj fudksckj }hiksa esa ,llhch 'kq)
,uih, esa NwV ds lkFk 20% vfrfjä iqufoZÙk ds fy, ik= Fks
iqufoZÙk ds ykxw lkekU; ek=k ds Åij vkSj Åij 5% dh vfrfjä iqufoZÙk **
&6% & 45 %
& 6 % ls Åij vkSj 10% rd & 40 %
& yxHkx 10 % vkSj 20 % rd & 35 %
& 20 % ls Åij - &ik= ugha gS
** iwohZ {ks= esa ,llhch tSls fcgkj] mM+hlk] if'pe caxky] NÙkhlx<+ jkT; vkS iwohZ mÙkj çns'k ds 28 ftyksa
¼Hkkjr ljdkj dh chthvkjbZvkbZ ;kstuk ds rgr½ ykxw lkekU; ek=k ds Åij vkSj Åij 5% vfrfjä iqufoZÙk
ds fy, ik= Fks A
• mijksä of.kZr lhvkj,vkj ekunaMksa dks iwjk djus okys xSj vuqlwfpr ,llhch] ukckMZ vf/kfu;e] 1981 ds 21 ¼3½
¼,½ dh /kkjk ds rgr ;k ljdkj ds rgr vuqeksfnr çfrHkwfr;ksa dh çfrKk vf/kfu;e dh /kkjk 21 ¼2½¼i½ vkSj / ;k
/kkjk ds vf/kfu;e dh /kkjk 33 rgr vuqlwfpr okf.kfT;d cSadksa ds ,QMhvkj dh çfrKkA ljdkjh xkjaVh ds
f[kykQ ØsfMV lhekvksa dks eatwjh ds fy, ik= FksA
• ukckMZ us foÙk iks"k.k ds fy, ,lVh ¼,l,vks½ ØsfMV lhek ds rgr 2016&17 ds fy, vyx&vyx mi&lhek,a
eatwj dh:
& vU; Qlyksa dh [ksrh ¼vkslh½]
& fu/kkZfjr ftyksa esa frygu vkSj rsy ike ¼,u,evksihih & frygu½ ij jk"Vªh; fe'ku ds rgr frygu dh [ksrh]
& fu/kkZfjr ftyksa esa jk"Vªh; [kk| lqj{kk fe'ku nkysa ¼,u,Q,l,e & nkysa½ ds rgr nkyksa dh [ksrh
& tutkrh; tula[;k ¼MhVhih½ ds fodkl ds rgr tutkfr;ksa dh mRiknu ØsfMV vko';drk,aA
rnuqlkj] ,llhvks dks Loh—r lesfdr lhek ,l,vks&vkslh] ,l,vks&,u,evks;wih] ,l,vks&,u,Q,l,e
¼nkysa½ vkSj ,l,vks&MhVhih ds fy, lacaf/kr mís';ksa ds fy, Mhlhlhch&okj ;FkkFkZoknh _.k dk;ZØe ds vk/kkj
ij mi&lhekvksa esa foHkkftr gSA
• ,llhch dks ukckMZ iqufoZÙk ij C;kt nj 4-5% Fkh] la'kks/ku ds v/khu] ;fn Hkkjr ljdkj }kjk dksbZ gS] rks jkT; esa
19
NAFSCOB
vYidkfyd lgdkjh _.k lajpuk viuh Hkkxhnkjh ds lkFk 3 yk[k #i;s rd Qly _.k çnku djrh gS
m/kkjdrkZ / fdlku 7% C;kt ;k mlls de ijA
• ;ksX; Mhlhlhch ls lacaf/kr dqy ,uvksMhlh ¼lHkh mi&lhekvksa ds rgr miyC/k½ ds vk/kkj ij ,l,chch dks
vuqlwfpr Loh—r lhek ij fudklh] ftuds ikl vc rd ,llhch ls cdk;k m/kkj FkkA gkykafd cSadksa dks
,uvksMhlh mi&lhek ds vuqlkj fuxjkuh djus dh vko';drk gksxh] ysfdu fdlh Hkh mi&lhek esa ,uvksMhlh
esa deh ds ekeys esa] ;fn dqy ,uvksMhlh miyC/k ugha gS rks dksbZ vfrfjä C;kt ugha yxk;k tkrk gSA ,llhch
ekfld ,uvksMhlh c;ku tek djus ds fy, vkxkeh eghus ds 20 rkjh[k rd lhlhch&okj fLFkfr n'kkZrs gSaA
• ,uvksMhlh dh ?kkVs ds ekeys esa] ,llhch dks ,uvksMhlh dh deh vPNh djuh iM+hA ;fn ,llhch bl rjg ds
?kkVs dh ?kVuk ls ,d eghus ds Hkhrj ?kkVs dks vPNk djus esa foQy jgrk gS] rks vfrfjä C;kt @ 1% ih,A ?kkVs
dh vof/k ds fy, ,uvksMhlh dh ?kkVs ij vkjksi yxk;k x;k gS] ftl rkjh[k rd ?kkVs dh ek=k fu;fer gks xbZ
gSA
• ukckMZ dks C;kt ds ewy/ku vkSj / ;k C;kt ds Hkqxrku esa fMQ‚YV :i ls] ,llhch fMQ‚YV @ 10-25% ih, ij
fMQ‚YV C;kt dk Hkqxrku djus ds fy, mÙkjnk;h FksA ml vof/k ds fy, ftlds fy, fMQ‚YV tkjh j[kk x;k
FkkA
• fuf/k;ksa ds fopyu ls cpus ds fy,] C;kt vuqnku / Qly _.k dk xyr mi;ksx vkSj /ku ds mfpr var mi;ksx
dks lqfuf'pr djus ds fy, cSadksa dks lykg nh xbZ Fkh fd 20 vxLr ds gekjs ifji= ua- 175 / Mhvksvkj &47 /
2015 esa fufgr funsZ'kksa dk ikyu djsaA 2015 ftldk ikyu fd;k tkuk pkfg,A
bl laca/k esa] ukckMZ {ks=h; dk;kZy;ksa ¼vkjvks½ us vyx&vyx ,llhch dks foÙkh; o"kZ 2017&18 ds fy,
,lVh&,l,vks foÙkiks"k.k ds fy, çR;sd ,llhch dks iqufoZÙk vkoaVu ds ckjs esa crk;kA blfy,] ukckMZ us lHkh
,llhch ls lacaf/kr lHkh ukckMZ {ks=h; dk;kZy; ¼vkjvks½ dks fu/kkZfjr çksQkekZ esa] igys Mªky ds lkFk lHkh ik=
Mhlhlhch dh vksj ls lesfdr ØsfMV lhek dh eatwjh ds fy, vius vkosnu tek djus dk vuqjks/k fd;kA blds
vykok] ukckMZ us lHkh ,llhch ls 05 tqykbZ] 2017 ds ukckMZ ifji= la -64 / Mhvksvkj &34 / 2017 ds layXud
f}rh; ds vuqlkj miØe çLrqr djus dk vuqjks/k fd;kA
blds vykok] ukckMZ us lHkh ,llhch dks m/kkjdrkZ lnL;ksa dks #i, dkMZ tkjh djds dslhlh ;kstuk ds
dk;kZUo;u dks lqfuf'pr djus ds fy, lac) Mhlhlhch ls laokn djus dh lykg nhA
20
55 TH ANNUAL REPORT
7-6- nh?kkZof/k xzkeh.k lk[k dks"k ¼,yVhvkjlh,Q½ 2017&18 ds rgr —f"k fuos'k _.k ds fy, nh?kZdkfyd iqufoZÙk:
;kstuk dh eq[; fo'ks"krk,a vkSj iqufoZÙk çnku djus ds egRoiw.kZ fu;e vkSj 'krsaZ fuEukuqlkj gSa:
i½ ik= laLFkk,¡:
lHkh ,llhch tks ukckMZ ls iqufoZÙk dh ik=rk ds ;ksX; Fks] os fu/kkZfjr iqufoZÙk ds fy, ;fn ;ksX;rk ekunaMksa dks
iwjk djrs gksa rks ukckMZ dh le; le; ij fn, x, fn'kkfunsZ'kksa ds vuqlkj os ik= gksaxsA
ii½ ik=rk ekinaM:
ukckMZ ds ifji= 31 ekpZ 2017 laA 72 / Mhvksvkj &0 9/20 ,y 7 esa mfYyf[kr iqufoZÙk ij uhfr fn'kkfunsZ'kksa esa
fufnZ"V ds vuqlkj ;ksX;rk ekunaM ykxw fd, x, Fks A
iii½ 'kkfey xfrfof/k;k¡:
—f"k {ks= ds rgr lHkh ;ksX; fuos'k xfrfof/k;ka ¼Lo;a lgk;rk lewgksa dks NksM+dj] ftUgsa os jk"Vªh; xzkeh.k
vkthfodk fe'ku ¼,uvkj,y,e½ / C;kt vuqnku ;kstuk ds rgr doj dj jgs gS½ bl ;kstuk ds rgr 'kkfey
fd, x, FksA
iv½ iqufoZÙk dk foLrkj:
mÙkj iwohZ {ks= ¼vle] v#.kkpy çns'k] ef.kiqj] es?kky;] fetksje] ukxkySaM] f=iqjk vkSj flfDde½ esa jkT;ksa ds
fy, iqufoZÙk dh lhek] ioZrh; {ks= ¼tEew&d'ehj] fgekpy çns'k] mÙkjk[kaM½] iwohZ {ks= ¼if'pe caxky] mM+hlk ]
fcgkj] >kj[kaM vkSj vaMeku vkSj fudksckj }hi lewg½] y{k}hi vkSj NÙkhlx<+ esa lHkh mís';ksa ds fy, ik= cSad
_.k ds 100% FksA vU; {ks=ksa ds fy, iqufoZÙk dh lhek Fkh:
¼a½ lHkh egRoiw.kZ {ks=ksa ds fy, 100% ¼tSlk fd ukckMZ dh iqufoZÙk uhfr esa n'kkZ;k x;k gS½
¼b½ vU; lHkh fofo/k mís';ksa ds fy, 95%
v½ Lopkfyr iqufoZÙk lqfo/kk:
—f"k iqufoZÙk lqfo/kk —f"k {ks= ds rgr lHkh ifj;kstukvksa ds fy, iqufoZÙk ek=k ] cSad _.k ;k dqy foÙkh; ifjO;;
ds Åijh/vf/kdre Lrj ds fcuk c<+k nh xbZ FkhA ;fn dksbZ cSad Loh—fr&iwoZ çfØ;k ds rgr iqufoZÙk dk ykHk
mBkus dk bjknk j[krk gS] rks os ukckMZ dks viuh ifj;kstuk,a tek dj ldrs gSaA
vi½ C;kt nj:
a½ m/kkjdrkZvksa dks _.k:
vafre m/kkjdrkZvksa dks _.k ij C;kt dh nj vkjchvkbZ fn'kkfunsZ'kksa ds eqrkfcd Fkh A gkykafd] —f"k
xfrfof/k;ksa ds fy, muds lkekU; nj dh rqyuk esa cSad C;kt dh fj;k;rh nj ij fdlkuksa dks _.k c<+k
ldrs gSaA
21
NAFSCOB
b) ukckMZ ls iqufoZÙk:
ukckMZ ls iqufoZÙk ij C;kt nj 4-90% çfr o"kZ Fkh¼v/kZ&okf"kZd C;kt ds lkFk½]tksfd le;≤ ij
ukckMZ ls la'kks/ku ds v/khu Fkh A cSad vafre m/kkjdrkZ dks ykHk ns ldrs gSaA
c½ naMLo:i C;kt:
Hkqxrku esa pwd gksus ij ] ftl nj ij iqufoZÙk forfjr fd;k x;k Fkk]ml nj ls 2% Åij vkSj mruh
O;frØe ¼ pwd½ jkf'k vkSj mlh vof/k ds fy, yxk;k tkrk gS A
vii½ iquHkqZxrku dh vof/k:
iqufoZÙk ds fy, iquHkqZxrku vof/k gj lky 31 tuojh vkSj 31 tqykbZ dks v/kZ&okf"kZd vk/kkj ij 5 lky dh FkhA
çR;sd o"kZ 1 Qjojh vkSj 1 vxLr dks C;kt Hkqxrku v/kZ&okf"kZd vk/kkj ij FkkA
viii½ vfHkys[kksa dk j[kj[kko:
,yVhvkjlh QaM ds rgr foLrkfjr iqufoZÙk dk ys[kk&tks[kk vyx&vyx j[kk tkuk pkfg, vkSj mís'; ds
fy, vko';d fjd‚MZ cuk, j[kk tkuk pkfg,A cSadksa dks ukckMZ }kjk iwNs tkus ij _.k dh C;kt nj] C;kt nj]
çlaLdj.k 'kqYd pktZ bR;kfn tSlh lHkh tkudkjh çnku djuh FkhA
7-7 ukckMZ }kjk Hkhe vk/kkj ds fy, çpkj ;kstuk:
Hkkjr ljdkj us O;kikjh LFkkuksa ij vk/kkj vk/kkfjr c‚;ksehfVªd ysunsu dks l{ke djus ds fy, Hkhe vk/kkj is uked ,d
ubZ ;kstuk 'kq: dh FkhA ubZ ;kstuk 19 fnlacj 2016 ds ukckMZ ifji= la-292 ds ek/;e ls ?kksf"kr "foÙkh; lekos'k fuf/k ds ek/;e
ls vk/kkj vk/kkfjr c‚;ksehfVªd ysunsu dks çksRlkfgr djus ds fy, ik;yV ifj;kstuk" dh ekStwnk ;kstuk dk vf/kxzg.k djrh gSA
bl u, nkSj esa u, fodkl dks /;ku esa j[krs gq,] ukckMZ us O;kikjh LFkkuksa ij vk/kkj vk/kkfjr c‚;ksehfVªd ysunsu dks
çksRlkfgr dju dk fu.kZ; fy;k FkkA
bl ;kstuk dks "fHke vk/kkj dh çkseks'kuy Ldhe" ds :i esa tkuk tkrk FkkA ;g ;kstuk O;kikjh LFkkuksa ij vk/kkj
vk/kkfjr c‚;ksehfVªd ysunsu ds fuEufyf[kr çdkjksa ds fy, ykxw Fkh ¼dsoy O;kikjh ysunsu dsoy½:
i) ihvks,l / ,eihvks,l / dksbZ vU; fMokbl
ii) fHke vk/kkj osru
• ik= laLFkk,¡:
vk/kkj vk/kkfjr c‚;ksehfVªd ysunsu dh vuqefr nsus okys lHkh O;kikjh vf/kxzg.k cSad bl ;kstuk ds rgr leFkZu ds fy, ik= FksA
22
55 TH ANNUAL REPORT
7-8 ,llhch / Mhlhlhch esa lwpuk ç.kkyh ¼vkbZ,l½ ys[kk ijh{kk dh fLFkfr :
i;Zos{k.k cksMZ ¼,llhch] Mhlhlhch vkSj vkjvkjch ds fy,½ us ik;k Fkk fd gkykafd cSad ijaijkxr ç.kkyh dh çfØ;k ls
dksj cSafdax lek/kku ¼lhch,l½ eap dks viuk pqds gSa ] ysfdu dbZ cSadksa us ekbxzs'ku v‚fMV Hkh ugha fd;k gSA blfy,] ukckMZ us
lgdkjh cSadksa dks le;≤ ij ekbxzs'ku v‚fMV vkSj vkbZ,l v‚fMV nksuksa dks iwjk djus dh lykg nsus dk fu.kZ; fy;k FkkA
blds vykok] ukckMZ us lgdkjh cSadksa dks 24 ebZ 2017 ds ukckMZ ifji= dks cSad ds funs'kd eaMy vkSj ys[kk ijh{kk lfefr ds le{k
is'k djus vkSj ;g lqfuf'pr djus ds fy, Hkh lykg nh Fkh fd ¼i½ cSad ds ikl cksMZ vuqeksfnr vkbZ,l ys[kk ijh{kk uhfr gS vkSj ¼ii½
31 vxLr 2017 rd ,d ;ksX; QeZ }kjk ekbxzs'ku v‚fMV vkSj cSad dh vkbZ,l ys[kk ijh{kk gks pqdh gS A
7-9 lh,ih,Dl vkSj vksisDl e‚My ds rgr fV;j 5 vkSj fV;j 6 dsaæksa esa ihvks,l e'khuksa dh rSukrh ds fy, ,QvkbZ,Q ds
rgr ukckMZ leFkZu:
ukckMZ us lykg nh fd rhljs i{k ds e‚My vkSj lacaf/kr O;kikjh vf/kxzg.k cSadksa ds rgr ihvks,l / ,eihvks,l midj.kksa
dks rSukr djus okys cSad] ;g lqfuf'pr dj ldrs gSa fd nkoksa dk dksbZ nksgjko ugha gSA lgdkjh cSadksa ds fy, ihvks,l / ,eihvks,l
dh rSukrh 28&04&2017 ds vkjchvkbZ ifji= }kjk 'kkflr FkhA blds vykok] ukckMZ us ihvks,l / ,eihvks,l midj.kksa dh rSukrh
ds laca/k esa xkao ds fooj.k çLrqr djus ds fy, ,llhch vkSj Mhlhlhch lesr lHkh cSadksa dks lykg nhA
7-10 iwath ls tksf[ke ¼Hkkfjr½ laifÙk vuqikr ¼lhvkj,vkj½ dh x.kuk ds fy, tksf[ke Hkkj ds ckjs esa Li"Vhdj.k:
dbZ cSadksa us ukckMZ ls Li"Vhdj.k ekaxk Fkk fd ih,lh,l ds f[kykQ cdk;k _.k ls ih,lh,l dh tek jkf'k;ksa dh fuoy
Kkr djus gsrq ,llhch }kjk nks Lrjh; lajpuk esa vkSj Mhlhlhch }kjk rhu Lrjh; lajpuk dh D;k O;oLFkk gS A vkjchvkbZ ds
ijke'kZ ls ukckMZ us bl eqís dh leh{kk dh FkhA rnuqlkj] ukckMZ us 23 twu 2017 ds vius ifji= ds ckjs esa Li"Vhdj.k fn;k fd
,llhch }kjk nks Lrjh; lajpuk esa vFkok Mhlhlhch }kjk rhu Lrjh; lajpuk esa tksf[ke Hkkfjr laifÙk dh x.kuk djrs le;
ih,lh,l ds orZeku ;k vU; [kkrksa esa ØsfMV 'ks"k jkf'k dks lekIr djus dk ykHk c<+k ldrs gSa tks fof'k"V mís';ksa ds fy, fu/kkZfjr
ugha gSa
7-11 ,QvkbZ,Q ds rgr eksckby oSu ds ek/;e ls cSafdax çkS|ksfxdh ds çn'kZu ds fy, miyC/k leFkZu:
fMftVy foÙkh; lk{kjrk dks c<+kok nsus ds fy,] ukckMZ us ,QvkbZ,Q ds rgr eksckby oSu ds ek/;e ls cSafdax çkS|ksfxdh
ds çn'kZu dk leFkZu djus dk fu.kZ; fy;k FkkA
23
NAFSCOB
;kstuk ds O;kid mís';

?
i½ foÙkh; lk{kjrk dk çlkj
ii½ fMftVy foÙkh; lk{kjrk ds fy, fofHkUu fMftVy cSafdax çkS|ksfxfd;ksa dk çn'kZu
iii½ fMftVy Hkqxrku ç.kkyh dk mi;ksx djus ds fy, O;kikfj;ksa vkSj vafre xzkgdksa dks laosnu'khy cukus vkSj l{ke
djus ds fy,A
iv½ fofHkUu cSafdax çkS|ksfxfd;ksa dk mi;ksx djrs le; lko/kkuh vkSj lqj{kk mik;ksa ds ckjs esa mi;ksxdrkZvksa ds chp
tkx:drk iSnk djukA
m½ ekbØks ,Vh,e] ,Vh,e] ihvks,l] #is dkMZ ysunsu vkfn dk çn'kZu
leFkZu ds fy, ik= laLFkk,a
?
i½ lhch,l l{ke {ks=h; xzkeh.k cSadksa vkSj xzkeh.k lgdkjh cSadksa
ii½ cSad ,u,Q,l ij gksuk pkfg, vkSj fofHkUu cSafdax VsDuksy‚tht dks ykxw djus dh çfØ;k esa gksuk pkfg, ;k gksuk
pkfg,A
leFkZu dk foLrkj
?
i½ çfr Mseks eksckby oSu 15 yk[k #i;s dh vf/kdre iwath dk leFkZuA gkykafd leFkZu dh lhek cSad }kjk fd, x,
okLrfod iwathxr O;; rd gh lhfer FkhA
ii½ ,d eksckby oSu ds fy, vkjvkjch vkSj xzkeh.k lgdkjh cSadksa dks leFkZu fuEukuqlkj Fkk:
daz cSad leFkZu dk foLrkj
1 vkjvkjch dqy O;; dk 80% ;k 15 yk[k #i;s tks de gS
2 xzkeh.k lgdkjh cSad dqy O;; dk 90% ;k 15 yk[k #i; tkss de gS
mÙkj iwohZ {ks=] flfDde] tEew&d'ehj] mÙkjk[kaM] >kj[kaM] fgekpy çns'k] NÙkhlx<+ vkSj vaMeku vkSj fudksckj
}hi lewg nksuksa ds fy, vkjvkjch vkSj xzkeh.k lgdkjh cSadksa ds fy, 100% leFkZuA
7-12 çk—frd vkinkvksa ls çHkkfor fdlkuksa dks jkgr mik;ksa ds fy, o"kZ 2017&18 ds fy, ukckMZ iqufoZÙk uhfr ij fn'kkfunsZ'k
& y?kq vof/k ¼ekSleh —f"k dk;Z½ _.k dk e/;e vof/k ds _.kksa esa :ikarj.k
ukckMZ }kjk ekStwnk uhfr dh leh{kk dh xbZ Fkh vkSj foÙkh; o"kZ 2017&18 ds fy, ogh uhfr tkjh j[kus dk fu.kZ; fy;k
x;k gSA
bl ;kstuk dh eq[; fo'ks"krk,a bl çdkj gSa:
24
55 TH ANNUAL REPORT
i½ lgdkjh cSadksa dh ik=rk tksf[ke Hkkfjr vkfLr;ksa dh rqyuk esa iwath vuqikr ¼lhvkj,vkj½ ekunaMksa ds vuqikyu
ls tqM+h gqbZ gSA y?kq vof/k ¼ekSleh —f"k dk;Z½ _.kksa dk e/;e vof/k ds _.kksa esa :ikarj.k gsrq iqufoZÙk mu lHkh
ykblsal çkIr jk-l-cSad/ dsa-l-cSad ds fy, miyC/k Fkk tks fd uhps mfYyf[kr lhvkj,vkj 'krksaZ dks iwjk djrs gSa%
a½ fnukad 31-03-2016 rd 7% ;k mlls vf/kd ds lhvkj,vkj okys jk-l-cSad] ftuds ft-e-l-cSadksa dk
lhvkj,vkj Hkh 7% ;k mlls vf/kd gSa A
b½ 7% ls vf/kd lhvkj,vkj okys jk-l-cSad ds ekeys esa] ysfdu ftuds ft-e-l- cSadksa dk lhvkj,vkj 7%
ls de gSa]mUgs dksbZ iqufoZÙk miyC/k ugha gksxk]
ii½ blds vykok] o"kZ 2017&18 ds fy, _.kksa ds e/; vof/k :ikarj.k / iquHkZj.k / iqufuZ/kkZj.k ds fy, iqufoZÙk ij
C;kt nj ukckMZ }kjk le;≤ ij r; dh xbZ FkhAC;kt dh orZeku nj cSadksa }kjk vf/kdre ykHkkfFkZ;ksa dks
3000 vadksa ls de gS A U;wure C;kt nj 8-20% çfro"kZ gS A vkSj bl laca/k esa vkjchvkbZ }kjk fu/kkZfjr
fn'kkfunsZ'kksa dk vuqikyu fd;k tkrk gS A
iii½ vU; fu;e vkSj 'krsaZ vifjofrZr gSaA
7-13 y?kq vof/k ¼ ekS-—-i-½ _.k~ lhek dks ekU;rk :
ft-e-l-cSad dh vksj ls jk-l- cSadksa dks y?kq vof/k ¼ ekS-—-i-½ foÙkiksf"kr djus gsrq ukckMZ }kjk 1 vçSy] 2016 ls 31 ekpZ ]
2017 rd dqy _.k lhek #- 64717 djksM+ eatwj dh x;h Fkh vkSj mä vof/k ds fy, vf/kdre cdk;k jkf'k `-62]609-99 djksM+
#i, Fkh A y?kq vof/k ¼ ekS-—-i-½ y?kq vof/k ¼cqudj½ vkSj e/;e vof/k ¼,eVh½ ¼varj.k½ ds fy;s y?kq vof/k ds _.k lhek dh
jkT;okj eatwjh vkSj vf/kdre cdk;k jkf'k o"kZ 2016&17 ds nkSjku ifjf'k"V&4 esa nh xbZ gSA
7-14 ukckMZ vf/kfu;e] 1981 dh /kkjk 27 ds rgr jkT; ljdkjksa dks lgdkjh _.k laLFkkvksa esa 'ks;j iwath ds ;ksxnku gsrq vof/k
_.k dh Loh—fr ds fy, o"kZ 2016&17 dh uhfr :
o"kZ 2017&18 ds fy, lgdkjh _.k laLFkkuksa dh 'ks;j iwath esa ;ksxnku ds fy, ukckMZ vf/kfu;e] 1981 dh /kkjk 27 ds
rgr jkT; ljdkjksa dks lkof/k _.k dh eatwjh ij ukckMZ uhfr dh dqN fo'ks"krkvksa dks uhps fn;k x;k gS:
• o"kZ 2017&18 dh uhfr] fnukad 14 twu 2016 ds ifji= Ø- 135 esa lwfpr o"kZ 2016&17 dh uhfr ds rtZ ij gh gSA
? lgk;rk dh çorhZ vof/k 01 vçSy 2017 ls 31 ekpZ 2018 rd Fkh ,oa jkT; ljdkj }kjk o"kZ 2017&18
ds nkSjku 'ks;j iwath ds ;ksxnku dh vksj fd, x, laforj.kksa dks lfEefyr djrh gSA
25
NAFSCOB
ukckMZ ls mijksä lqfo/kk jkT; ljdkj dks 8-5 çfr'kr dh C;kt nj ij miyC/k Fkh vFkok vU; fdlh
?
nj ij tSlk fd le;≤ ij ukckMZ }kjk fu/kkZfjr fd;k tk ldrk gSA
7-15 jkT; ljdkj / la?k 'kkflr çns'kksa dks [kk| _.k vfxze ds fy, laifÙk oxhZdj.k vkSj çko/kku:
ukckMZ us 21 twu 2017 ds vius ifji= ds ek/;e ls iatkc ljdkj dks [kk| _.k vfxze ds fy, ,llhch }kjk fd, tkus
okys çko/kku ds laca/k esa vkjchvkbZ dh lykg ds ckjs esa [kk| ØsfMV dalksfVZ;e esa Hkkx ysus okys lHkh ,llhch dks lwfpr fd;kA
vkjchvkbZ dh lykg ds vuqlkj]iatkc ljdkj dks cdk;k [kk| _.k jkf'k ds fy, ,llhch dks 15 çfr'kr ds ctk; 10 çfr'kr ml
rkjh[k ij çko/kku djuk iM+kA ukckMZ us la'kksf/kr funsZ'kksa dk l[rh ls ikyu djus ds fy, [kk| ØsfMV dalksfVZ;e esa Hkkx ysus
okys lHkh ,llhch dks lykg nhA vkxs ukckMZ us ,llhch dks iatkc ljdkj dks cdk;k [kk| _.k jkf'k dk C;ksjk] vko';d çko/kku
vkSj fn, x, çko/kkuksa dks ukckMZ ,pvks ds leFkZu ds rgr ukckMZ ds {ks=h; dk;kZy; dks nsus dk lq>ko fn;kA
7-16- ,llhch / Mhlhlhch ds i;Zos{kh jsfVax ds ekunaMksa esa la'kks/ku:
16 ekpZ 2017 dks viuh 65 oha cSBd esa ,llhch / Mhlhlhch dh uohure lhvkj,vkj fLFkfr dh leh{kk djrs gq, ukckMZ
ds i;Zos{k.k cksMZ ¼,llhch / Mhlhlhch vkSj vkjvkjch ds fy,½ us lykg nh gS fd tks cSad vkjchvkbZ }kjk fu/kkZfjr U;wure
lhvkj,vkj dk ikyu ugha dj jgs gSa le;≤ ij ¼orZeku esa 9%½ dks ','] ‘ch+' ;k 'ch' jsV ugha fd;k tk ldrk gS] Hkys gh os
CAMELSC ds vk/kkj ij lexz jsfVax esa 50 ;k mlls vf/kd jsfVax vad çkIr djsaA 31 ekpZ 2017 dks vkSj mlds ckn ds :i esa
la'kksf/kr funsZ'k ,llhch / Mhlhlhch ds lHkh oS/kkfud fujh{k.kksa ds fy, muds foÙkh; fLFkfr ds lanHkZ esa ykxw FksA
7-17- o"kZ 2017&18 ds nkSjku varfje vk/kkj ij y?kq vkof/kd Qly _.k ds fy, C;kt vuqnku ;kstuk tkjh j[kukA
rnuqlkj] ukckMZ us ,llhch dks uhps crk;k:
i½ 2% ih, dk C;kt vuqnku ,llhch dks vius Lo;a dh fuf/k ds vk/kkj ij 3 yk[k #i;s çfr fdlku rd
vYidkfyd Qly _.k ds fy, bLrseky fd;k x;k Fkk] c'krsZ m/kkj nsus okyh laLFkk fdlkuksa ds fy,
vYidkfyd _.k @ 7% çfr o"kZ ij miyC/k djk,A 2% C;kt vuqnku Qly _.k jkf'k ij fdlku }kjk
Qly _.k dh okLrfod iquHkqZxrku dh rkjh[k rd ;k cSad }kjk r; fd, x, _.k dh ns; frfFk rd] tks Hkh
igys Fkk] dh rkjh[k ls Qly _.k jkf'k ij x.kuk dh xbZ Fkh] tks Hkh igys ,d o"kZ dh vf/kdre vof/kA
ii½ fdlkuksa }kjk iquHkqZxrku dh okLrfod frfFk rd ;k Qly _.k ds iquHkqZxrku ds fy, cSad }kjk r; dh xbZ ns;
frfFk rd Qly _.k ds forj.k dh rkjh[k ls forj.k dh rkjh[k ls vf/kdre ,d o"kZ ] tks Hkh igys Fkk rd
26
55 TH ANNUAL REPORT
rRdky HkqxrkudrkZ fdlkuksa dks vfrfjä C;kt vuqnku @ 3% miyC/k gSA bldk ;g Hkh vFkZ gS fd rRdky
HkqxrkudrkZ fdlkuksa dks vYidkfyd Qly _.k @ 4% çfr o"kZ çkIr gksxkA o"kZ 2017&18 ds nkSjkuA ;g ykHk
mu fdlkuksa dks ugha feysxk tks ,sls _.kksa dk ykHk ysus ds ,d o"kZ ckn pqdk,axsA
iii½ ukckMZ us ,llhch dks 4-5% çfr o"kZ dh C;kt njksa ij fj;k;rh iqufoZÙk çnku fd;kA c'krsZ ;s _.k laLFkk,¡ 3
yk[k #i;s rd 7% çfr o"kZrd ,sls _.k m/kkj nsaA fdlkuksa ds fy,A
iv½ fdlkuksa }kjk ladV dh fcØh dks grksRlkfgr djus vkSj xksnke jlhnksa ds f[kykQ xksnkeksa esa vius mit dks LVksj
djus ds fy, çksRlkfgr djus ds fy,] C;kt lcosU'ku dk ykHk 06 eghus ckn Qly ds fy, fdlku ØsfMV dkMZ
okys NksVs vkSj lhekar fdlkuksa ds fy, miyC/k FkkA Qly _.k ds fy, miyC/k ,d gh njA
v½ çk—frd vkinkvksa ls çHkkfor fdlkuksa dks jkgr çnku djus ds fy,] iquxZfBr jkf'k ij igys o"kZ ds fy, cSadksa
dks 2% dh C;kt lcosa'ku miyC/k jgsxhA vkjchvkbZ }kjk fu/kkZfjr uhfr ds vuqlkj bl rjg ds iquxZfBr _.k
nwljs o"kZ ds ckn ls lkekU; C;kt nj vkdf"kZr dj ldrs gSa
7-18- ljdkjh çk;ksftr Qly chek ;kstukvksa esa çR;{k ykHk gLrkarj.k ¼MhchVh½ dk dk;kZUo;u:
—f"k] lg;ksx vkSj fdlku dY;k.k foHkkx }kjk ç'kkflr / dk;kZfUor fdlh Hkh Qly chek ;kstukvksa ds rgr Qly chek
dk ykHk ysus okys lHkh fdlkuksa dks vk/kkj çek.khdj.k ls xqtjuk gksxk ;k [kjhQ 2017 ls vk/kkj ds gksus dk çek.k çLrqr djuk
gksxkA blfy,] ukckMZ us 09 ebZ 2017 ifji= ds ek/;e ls lHkh ,llhch ls mu lHkh fdlkuksa dks eukus ds fy, vuqjks/k fd;k Fkk]
tks vf/klwfpr cSadksa vkSj vkjvkjch lesr foÙkh; laLFkkuksa ls ,lvksvks _.k / fdlku ØsfMV dkMZ ¼dslhlh½ dk ykHk mBkrs gSa]
vf/klwfpr {ks=ksa esa vf/klwfpr Qlyksa ds fy, vfuok;Z :i ls ç/kku ea=h Qly chek ;kstuk ¼ih,e,QchokbZ½] iquxZfBr ekSle
vk/kkfjr Qly chek ;kstuk ¼vkjMCY;wchlhvkbZ,l½ vkSj ,dh—r iSdst chek ;kstuk ¼;wihvkbZ,l½ mijksä _.k dh eatwjh /
uohuhdj.k / forj.k / fujh{k.k ;k ,llhch dh lacaf/kr 'kk[kkvksa esa ,sls fdlkuksa ds vkus ij vk/kkj çek.khdj.k ls xqtjus ds fy,
;k vk/kkj ds gksus dk çek.k çLrqr djus ds fy, dguk gksxk A
7-19- lhch,l ds dk;kZUo;u ds fy, ykblsal çkIr xzkeh.k lgdkjh cSadksa dks ukckMZ ds ,QvkbZ,Q ds rgr leFkZu çkIr djus ds
fy, ;ksX;rk ekunaMksa esa NwV:
ukckMZ us lhch,l dk;kZUo;u ds fy, ykblsal çkIr xzkeh.k lgdkjh cSadksa dks ,QvkbZ,Q ds rgr leFkZu çkIr djus ds
fy, ;ksX;rk ekunaMksa esa la'kks/ku djus dk fu.kZ; fy;k FkkA la'kksf/kr ;ksX;rk ekunaM Fks:
27
NAFSCOB
i½ 31 ekpZ 2016 dks cSadksa ds ikl U;wure "lhvkj,vkj 7% gksuk pkfg, vkSj bls pkyw vk/kkj ij cuk, j[kuk
pkfg, vkSj 31 ekpZ 2017 ds var rd 9% rd igqapuk pkfg,"A
ii½ mlh ifji= esa nh xbZ ;ksX;rk dh lHkh vU; fLFkfr;ka ogh jgrh gSaA
iii½ bl ;kstuk ds rgr 30 twu 2017 rd leFkZu miyC/k FkkA ik= cSad vius vkosnu dks fu/kkZfjr çk:i esa tYn
ls tYn tek dj ldrs gSa xzkeh.k lgdkjh cSadksa dks dksj cSafdax lek/kku ds dk;kZUo;u ds fy, ,QvkbZ,Q ds
rgr nkok çk:i leFkZu ds fy, layXud 1& ¼ftu cSadksa ds ikl ugha gS layXud 1 ds vuqlkj xzkeh.k lgdkjh
cSadksa ¼mu cSadksa ds fy, ftUgsa jkT; ljdkj / fdlh vU; laLFkku ls vuqnku leFkZu çkIr gqvk gS½ ds dksj cSafdax
lek/kku ds dk;kZUo;u ds fy, ,QvkbZ,Q ds rgr nkok çk:i leFkZu ds fy, fdlh Hkh ,tsalh ls vuqnku
leFkZu çkIr fd;k x;k gS vkSj vuqyXud 2] 11 ebZ 2017 ds ukckMZ ifji= ua- 114 / Mh,QvkbZchVh &26 / 2017
ds 2A
iv½ cSadksa dks çkIr jkf'k ls ,d çkS|ksfxdh viukus gsrq fo'ks"k dks"k cukus ij fopkj djuk pkfg,A
7-20 foÙkh; lk{kjrk dsaæksa ¼,Q,ylh½ vkSj xzkeh.k 'kk[kkvksa }kjk foÙkh; lk{kjrk ds ç;klksa dks lqfo/kktud cukus ds fy, gkFk
esa idM+s tk ldus okys çkstsDVj vkSj iksVsZcy Lihdj dh [kjhn ds fy, ukckMZ dk ,QvkbZ,Q ds rgr leFkZu:
,Q,yvkbZ ds rgr ,Q,,Q ds rgr ukckMZ leFkZu dh fof/k;ka ,Q,ylh vkSj xzkeh.k 'kk[kkvksa }kjk foÙkh; lk{kjrk ds
ç;klksa dks lqfo/kktud cukus ds fy, gkFk esa idM+s tk ldus okys çkstsDVj vkSj iksVsZcy Lihdj dh [kjhn ds fy, Fkha:
i½ ,QvkbZ,Q ds rgr çfriwfrZ vk/kkj ij leFkZu ds fy, miyC/k lkeku Fks:
a½ gkFk esa idM+s tk ldus okys çkstsDVj dh [kjhn
b½ iksVsZcy Lihdj dh [kjhn
ii½ ,QvkbZ,Q ds rgr leFkZu dk foLrkj gkFk ls vk;ksftr çkstsDVj vkSj iksVsZcy Lihdj ¼nksuksa feykdj ½ dh
[kjhn ij fd, x, [kpZ dk 50% rd lhfer Fkk] çfriwfrZ vk/kkj ij vf/kdre 5]000 #i;s çfr xzkeh.k 'kk[kk /
,Q,ylh ds v/khuA
iii½ ik= laLFkk,¡ & okf.kfT;d cSad] {ks=h; xzkeh.k cSad vkSj xzkeh.k lgdkjh cSad viuh xzkeh.k 'kk[kkvksa vkSj
,Q,ylh dh vksj ls bl ;kstuk ds rgr leFkZu çkIr djus ds ik= Fks A
7-21 "xksbax fMftVy" ds fy, foÙkh; lk{kjrk dk;ZØeksa ds vkpj.k ds fy, ,QvkbZ,Q ds rgr vuqnku lgk;rk:
ukckMZ us cSadksa dks lykg nh fd ,QvkbZ,Q ds lykgdkj cksMZ us 20 oha cSBd esa vkjchvkbZ }kjk fuEufyf[kr la'kks/kuksa ds
vuqlkj ladsfrr "xksbax fMftVy" f'kfojksa dk leFkZu djus ds fy, fu.kZ; fy;k Fkk:
28
55 TH ANNUAL REPORT
• lgk;rk dh ek=k
,QvkbZ,Q ds rgr lgk;rk ds fy, la'kksf/kr vf/kdre lhek fuEukuqlkj gksxh:
daz ,tsalh ,QvkbZ,Q ds rgr vf/kdre vuqnku lgk;rk
1 okf.kfT;d cSad O;; dk 60% ;k çfr dk;ZØe ` -5]000 /& tks Hkh de gS
2 {ks=h; xzkeh.k cSad O;; dk 80% ;k çfr dk;ZØe ` -5]000 / & tks Hkh de gS
3 jkT; lgdkjh cSad / ftyk O;; dk 90% ;k çfr dk;ZØe ` -5]000 / & tks Hkh de gS
dsaæh; lgdkjh cSad
7-22 vk/kkj vf/kfu;e] 2016 vkSj lwpuk çkS|ksfxdh vf/kfu;e] 2000 ds çko/kku dk vuqikyu:
ukckMZ us lHkh ,llhch vkSj Mhlhlhch dks bysDVª‚fuDl vkSj lwpuk çkS|ksfxdh ea=ky; ¼,ebZVhvkbZ½ vkSj Hkkjr dh fof'k"V
igpku çkf/kdj.k ¼;wvkbZMh,vkbZ½ fn'kkfunsZ'kksa vkSj vk/kkj ds mi;ksx ds laca/k esa D;k djus vkSj u djus dh lwph dh lykg nh A
7-23 o"kZ 2017&18 ds nkSjku vYidkfyd Qly _.k ds fy, C;kt vuqnku ;kstuk dh eq[; fo'ks"krk,a:
ukckMZ us 31&07&2017 ds vius ifji= ds vuqlkj 2016&17 ds nkSjku ;kstuk ds fy, vuqeksfnr fu;eksa vkSj 'krksaZ ij o"kZ
2017&18 ds nkSjku C;kt vuqnku ;kstuk tkjh j[kus ds ckjs esa lHkh ,llhch dks lwfpr fd;k] dqN fn'kkfunsZ'k uhps fn,
x, gSa:
i½ Hkkjr ljdkj C;kt vuqnku @ 2% çfr o"kZ çnku djrh gSA jkT; lgdkjh cSadksa dks viuh Lo;a dh fuf/k ls
'kkfey fd;k x;k gS ¼ukckMZ iqufoZÙk dks NksM+dj½ fdlkuksa dks muds fy, 3-00 yk[k #i;s rd fdlkuksa dks
vYidkfyd mRiknu ØsfMV ¼Qly _.k½ ds laca/k esa çnku fd, x, A
ii½ ;g vuqnku ,llhch dks bl 'krZ ij miyC/k gS fd os 3% çfr o"kZ ij 3 yk[k #i;s rd vYidkfyd mRiknu
ØsfMV miyC/k djkrs gSaA
iii½ cSad vius nkoksa dks vk/ks okf"kZd vk/kkj ij ¼30 flracj 2017 vkSj 31 ekpZ 2018 dks½ ;k okf"kZd vk/kkj ij
¼vuqca/k&I½ ij tek djrs gSaA
iv½ rRdky Hkqxrku djus okys fdlku & Hkkjr ljdkj }kjk fdlkuksa dks çksRlkgu ds :i esa 3% C;kt vuqnku
v½ os;jgkml jlhn ds f[kykQ NksVs vkSj lhekar fdlkuksa dks C;kt vuqnku A
vi½ çk—frd vkinkvksa ds dkj.k Ø‚i _.k ij çFke o"kZ ds fy, C;kt vuqnku A
blds vykok] ukckMZ us 16&01&2018 ds vius ifji= ds ek/;e ls lHkh ,llhch dks C;kt vuqnku ;kstuk ds
29
NAFSCOB
çk:iksa esa la'kks/ku ds ckjs esa crk;k rkfd la[;k ds Js.khokj foHkktu dks dSIpj fd;k tk ldsA —f"k vkSj fdlku
dY;k.k ea=ky;] —f"k vkSj fdlku dY;k.k ea=ky;] Hkkjr ljdkj dh vko';drkvksa ds vuqlkj ykHkkfFkZ;ksa dks
[kkrksa ¼ykHkkfFkZ;ksa½ vkSj vkbZ,l jkf'k tkjh dh xbZ gSA
7-24 ukckMZ }kjk dslhlh ;kstuk ij ekLVj ldqZyj:
ukckMZ us ,d ekLVj ldqZyj tkjh fd;k tks 30 twu 2017 rd dslhlh ;kstuk ij ukckMZ }kjk tkjh fd, x, çklafxd
fn'kkfunsZ'kksa dks lesfdr djrk gSA dslhlh ;kstuk dks fdlkuksa dks fdlku ØsfMV dkMZ tkjh djus ds fy, 1998 esa cSadksa }kjk leku
viukus ds vk/kkj ij is'k fd;k x;k Fkk rkfd fdlku mUgsa cht] moZjd] dhVuk'kdksa vkfn tSls —f"k buiqV dks vklkuh ls [kjhnus
ds fy, mi;ksx dj ldrs gSa vkSj viuh mRiknu vko';drkvksa ds fy, udn vkdf"kZr dj ldrs gSaA bl ;kstuk dks fdlkuksa dh
fuos'k _.k vko';drk ds fy, vkxs c<+k;k x;k FkkA o"kZ 2004 esa lac) vkSj xSj&dk;Zdyki xfrfof/k;kaA bl ;kstuk dks ljy
cukus vkSj bysDVª‚fud fdlku ØsfMV dkMZ tkjh djus dh lqfo/kk ds lkFk Hkkjrh; cSad ds lh,eMh Jh Vh ,e Hklhu dh v/;{krk esa
,d dk;Zdkjh lewg }kjk bl ;kstuk dks 2012 esa fQj ls la'kksf/kr fd;k x;k FkkA ;g ;kstuk dslhlh ;kstuk dks fØ;kfUor djus ds
fy, cSadksa dks O;kid fn'kkfunsZ'k çnku djrh gSA dk;kZUo;u cSadksa ds ikl laLFkku / LFkku fof'k"V vko';drkvksa ds vuq:i bls
viukus dk foosdkf/kdkj gSA
7-25 ukckMZ }kjk tkjh /kks[kk/kM+h ds oxhZdj.k] fjiksfVaZx vkSj fuxjkuh ds fy, la'kksf/kr fn'kkfunsZ'kA
çkS|ksfxdh esa o`f)] O;kikj esa o`f)] xfrfof/k;ksa ds fofo/khdj.k vkSj mPp ewY; /kks[kk/kM+h dh ?kVukvksa esa o`f) ds dkj.k
fn'kkfunsZ'kksa esa la'kks/ku dh vko';drk gSA Hkkjrh; fjtoZ cSad ds ijke'kZ ls ukckMZ }kjk foLr`r fn'kkfunsZ'k rS;kj fd, x, gSaA
oxhZdj.k] fjiksfVaZx vkSj /kks[kk/kM+h dh fuxjkuh ds fy, fn'kkfunsZ'k eq[; :i ls 'kkfey gSa:
Ø /kks[kk/kM+h dk oxhZdj.k] ukckMZ dks /kks[kk/kM+h dh fjiksfVaZx i½ /kks[kk/kM+h ftlesa 1 yk[k #i;s ls de dh jkf'k 'kkfey gS vkSj
ii½ /kks[kk/kM+h ftlesa 1 yk[k #i;s vkSj mlls vf/kd dh jkf'k 'kkfey gS ¼Mhvks,l&,Q,e,l &1½]
Ø =Sekfld fjVuZ ¼v½ cdk;k /kks[kk/kM+h ij fjiksVZ ¼Mhvks,l&,Q,e,l &2½ vkSj vk½ /kks[kk/kM+h ij çxfr fjiksVZ
¼Mhvks,l&,Q,e,l &3½]
Ø /kks[kk/kM+h dh fjiksfVaZx esa nsjh] cksMZ dks fjiksVZ ¿,A /kks[kk/kM+h dh fjiksfVaZx] chA /kks[kk/kM+h dh =Sekfld leh{kk] lhA
/kks[kk/kM+h vkSj Mh dh okf"kZd leh{kkA fo'ks"k lfefr]
Ø /kks[kk/kM+h ds ekeyksa]
Ø /kks[kk/kM+h ds ekeyksa dks can djuk]
30
55 TH ANNUAL REPORT
Ødkuwu ykxw djus okyh ,tsafl;ksa ;kuh iqfyl dks /kks[kk/kM+h dh fjiksfVaZx ds fy, fn'kkfunsZ'k] lacaf/kr /kks[kk/kM+h dh tkap]
lko/kkuh cjrus vkSj ukckMZ vkSj iqfyl dks fjiksfVaZx]
Ø_.k /kks[kk/kM+h & u;k <kapk ¼,½A _.k /kks[kk/kM+h & u;k <kapk] ¼ch½A <kaps ds mís';] ¼lh½A çkjafHkd psrkouh ladsr
¼bZMCY;w,l½ vkSj yky /otkafdr [kkrs ¼vkj,Q,½] ¼Mh½A çkjafHkd igpku vkSj fjiksfVaZx] ¼bZ½A deZpkjh l'kfädj.k] ¼,Q½A
ys[kk ijh{kdksa dh Hkwfedk] ¼th½A çko/kku] ¼,p½A ,dek= _.knkrk ds :i esa cSad] ¼vk;½A dalksfVZ;e ;k ,dkf/kd cSafdax
O;oLFkk ds rgr _.k] ¼ts½A /kks[kk/kM+h ds fy, deZpkjh mÙkjnkf;Ro] ¼ds½A dkuwu çorZu ,tsafl;ksa ds lkFk f'kdk;r ntZ
djuk] ¼,y½A /kks[ksckt m/kkjdrkZvksa ds fy, naM mik;ksa]
Øpksjh] MdSrh vkSj cSad pksjh ¼Mhvks,l&,Q,e,l &4 / 4 ,½ ds ekeyksa dh fjiksfVaZx vkSj cM+s ewY; _.k [kkrksa ds laca/k esa
'kh"kZd nLrkostksa dh dkuwuh ys[kk ijh{kkA
7-26 ukckMZ }kjk foÙkh; lekos'ku ,QvkbZ,Q ds rgr çek.khdj.k mi;ksxdrkZ ,tsalh ¼,;w,½ / bZ&dsokbZlh mi;ksxdrkZ
,tsalh ¼ds;w,½ lnL;rk ds fy, leFkZu:
ukckMZ us 6 fnlacj 2017 ds vius ifji= ds ek/;e ls ",;w, / ds;w, lnL;rk ds fy, leFkZu" dh ;kstuk dh ?kks"k.kk
dhA bl ;kstuk dk mís'; cSad xzkgdksa dks fo'ks"k :i ls xzkeh.k {ks=ksa esa ,;w, / ds;w, lsok,a çnku djuk gSA bl ;kstuk ds rgr cSadksa
dks ,;w, / ds;w, xzkeh.k {ks=ksa esa lqfo/kk,¡ nsuh gSa vkSj bu cSadksa }kjk rSukr ekbØks ,Vh,e ij vk/kkj l{ke Hkqxrku ç.kkyh ¼,bZih,l½
ysunsu dh vfrfjä lqfo/kk Hkh çnku dh tkrh gS] bl çdkj vk/kkj çek.khdj.k dk mi;ksx djds v‚uykbu baVjv‚ijscy foÙkh;
ysunsu dh vuqefr feyrh gS vkSj fo'ks"k :i ls fMftVy ysunsu esa o`f) gksrh gSA
7-27 ukckMZ }kjk tkjh ;kstukc) m/kkj 2017&18 ds fy, ,uvkj,y,e C;kt vuqnku ;kstuk&iqufoZÙk uhfr:
ukckMZ us 15 fnlacj 2017 dks vius ifji= ds ek/;e ls ,llhch dks xzkeh.k fodkl ea=ky;] Hkkjr ljdkj }kjk lapkfyr
,uvkj,y,e ds rgr fpfUgr 250 ftyksa esa lHkh efgyk ,l,pth dks muds }kjk foLrkfjr _.k ij fj;k;rh iqufoZÙk dh lkefjd
;kstuk ds ckjs esa crk;kA ;kstuk ds rgr iqufoZÙk ij C;kt nj 4-50% çfr o"kZ FkhA c'krsZ fd ,llhch 7-00% çfr o"kZ dh C;kt nj
ij]fpfUgr 250 ftyksa esa lHkh ,l,pth dks 3 yk[k #i;s çfr ,l,pth rd nsrh gS A
7-28 cSad&jfgr xzkeh.k dsaæksa ¼;wvkjlh½ esa foÙkh; lk{kjrk f'kfojksa ds lapkyu ds fy, vuqnku lgk;rk:
ukckMZ us 15&12&2017 ds vius ifji= ds ek/;e ls cSadksa ds vf/kdkj {ks= esa lHkh cSad&jfgr xzkeh.k dsaæksa ¼;wvkjlh½ esa '
xksbax fMftVy ' ij de ls de ,d fo'ks"k f'kfoj vk;ksftr djus ds fy, vuqnku lgk;rk ds ckjs esa lHkh cSadksa dks lwfpr fd;k
31
NAFSCOB
tgka vHkh rd bl rjg ds f'kfojksa }kjk {ks=ksa dks doj ugha fd;k x;k gSA ukckMZ us vius ifji= esa 15 Qjojh 2018 rd bl rjg ls
lHkh ;wvkjlh dks doj djus ds fy, mYys[k fd;k FkkA ç;klksa ds nksgjko ls cpus ds fy, ,l,ychlh ds ijke”kZ ls f'kfoj
vk;ksftr fd, x, FksA
7-29 mi lsok {ks=ksa ¼,l,l,½ esa eksckby flXuy cwLVj dh rSukrh ds fy, leFkZu & ,QvkbZ,Q ds rgr leFkZu:
ukckMZ us 19 fnlacj 2017 ds ifji= ds vuqlkj ,l,l, esa eksckby flXuy cwLVj dh rSukrh ds fy, leFkZu dh ?kks"k.kk
dhA eksckby cwLVj ls var%LFkkfir dusfDVfoVh] de flXuy 'kfä okys {ks=ksa esa flXuy dh 'kfä dks c<+kus vkSj cSafdax lsokvksa dks
çksRlkgu nsus dh mEehn gS A ;g leFkZu cwLVj {ks=ksa esa dsoy cwLVj dks rSukr djus ds fy, miyC/k gS tgka ukckMZ }kjk oh&,l,Vh
dks eatwjh ns nh xbZ gSA
7-30- foÙkh; lekos'ku QaM: ;kstukvksa dh leh{kk & leFkZu vof/k dk foLrkj:
foÙkh; lekos'ku QaM ¼,QvkbZ,Q½ ds rgr çkS|ksfxdh viukus gsrq ekStwnk leFkZu dh leh{kk ij] ukckMZ us 26&03&2018
ds vius ifji= ds vuqlkj ;kstukvksa dh le;js[kk ds foLrkj dks uhps crk;k x;k gS:
Ø- la- leFkZu dsk la'kksf/kr vafre frfFk ifji= Ø ,oa frfFk
fy, ;kstu Loh—fr nkok
1 çk-—-lk-l- ubZ Loh—fr 30 twu 2018 263/DFIBT&47/2017
MkVk can fnukad 20 uoacj 2017
LFkkukarj.k
2 lhch,l gsrq 30 twu 2018 30 twu 2021 263/DFIBT&47/2017
,Vh,e dk fnukad 20 uoacj 2017
vfrfjä leFkZu
¼,M &v‚u½
3 dsaæh; dsok;lh 30 twu 2018 30 flracj 2018 263/DFIBT&47/2017
jftLVªh fnukad 20 uoacj 2017
4 ,;w, / ds;w, 30 twu 2018 30 flracj 2018 03/DFIBT01/2018
lnL;rk fnukad 03 tuojh 2018
32
55 TH ANNUAL REPORT
7-31 çHkko'kkyh 'kklu ra= ds lk/ku ds :i esa lnL; tkx:drk fuekZ.k ds laca/k esa ukckMZ }kjk tkjh i;Zos{k.k cksMZ ¼chvks,l½
ekxZn'kZu dk vuqikyu:
ukckMZ us 02 Qjojh 2018 dks funs'kd] uS¶ld‚c vkSj ,ulh;wvkbZ ds çca/k funs'kd dks fy[ks x, i= ds ek/;e ls lwfpr
fd;k fd nksuksa dks lnL; f'k{kk dk;ZØe vk;ksftr djus ds fy, lgdkjh _.k laLFkkuksa dks ekxZn'kZu djus esa vxz.kh Hkwfedk
fuHkkuh gksxhA bl laca/k esa ukckMZ us O;kid tkx:drk dk;ZØeksa ¼,e,ih½ esa 'kkfey gksus okys O;kid fo"k;ksa / {ks=ksa dk Hkh mYys[k
fd;k vkSj lacaf/kr lgdkjh lfefr;ksa vf/kfu;eksa dks /;ku esa j[krs gq, lgdkjh cSadksa ls vuqjks/k fd;kA blds vykok] ukckMZ us
vYidkfyd lgdkjh _.k lajpuk ¼,lVhlhlh,l½ esa lHkh lacaf/kr yksxksa dks laokn djus ds fy, uS¶ld‚c ls vuqjks/k fd;kA
rnuqlkj] vko';d dkjZokbZ djus ds fy, 03&02&2018 dks bZesy }kjk lHkh lnL; ,llhch dks bldh ,d çfr vxzsf"kr dh xbZ gSSA
7-32 ,U'kq;j iksVZy ds ek/;e ls =Sekfld varjky ij ,,y,e fjVuZ~l tek djus ds fy, funsZ'k:
tksf[ke ewY;kadu cSad ds çn'kZu ds ewY;kadu dk ,d vfHkUu vax cu x;k gSA blds lanHkZ esa] ukckMZ us 9&03&2018 ds
vius ifji= ds ek/;e ls fu.kZ; fy;k fd i;Zos{kh fjVuZ ds ekStwnk lsV ds vykok] cSad nks ,,y,e fjVuZ tek dj ldrs gSa tSls
lajpukRed rjyrk ¼,l,l,y½ dk fooj.k vkSj C;kt nj laosnu'khyrk dk c;ku ¼,lvkbZvkj,l½ frekgh varjky ij frekgh
varjky ij ekpZ 2018 dh frekgh ls 'kq: gksus okyh frekgh ls 'kq: gksrk gSA
7-33 v‚Q&lkbV fuxjkuh ¼vks,l,l½ fjVuZ tek djus ij ,U'kq;j iksVZy ls 'çn'kZu vkdyu fjiksVZ' mRiUu djus dh lykg
nsa:
ukckMZ us 09&03&2018 ds vius ifji= ds ek/;e ls lHkh ,llhch vkSj Mhlhlhch dks lwfpr fd;k fd le;≤ ij
cSadksa dks QhMcSd çnku djus ds fy,] vc ih,vkj dks lh/ks ,U'kq;j }kjk iksVZy dks lhbZvks vkSj muds lfpoky; nksuksa dks çR;sd
vof/k ds fy, lHkh vks,l,l fjVuZ tek djus ds vxys fnu Hkstk tkuk pkfg, A
7-34 lhvkj,vkj dh x.kuk ds fy, tksf[ke Hkkj:
ukckMZ us 16&03&2018 ds vius ifji= ds vuqlkj lHkh ,llhch vkSj Mhlhlhch dh lykg nh fd ,llhch / Mhlhlhch
dh fujh{k.k fjiksVZ dh leh{kk djrs le;] ;g ns[kk x;k fd vkjchvkbZ fn'kkfunsZ'kksa ds foijhr] dqN cSad C;kt vuqnku nkoksa dks
çeq[k "vU; laifÙk & ljdkjh ysunsu ds }kjk lhvkjvkj 'ks"k ij vftZr C;kt vkSj vkjchvkbZ ij nkoksa " ds rgr jkf'k fn[kkrs gSa
33
NAFSCOB
vkSj lhvkj,vkj dh x.kuk djrs le; mUgsa " 'kwU; tksf[ke Hkkj " dh Js.kh esa j[krs gSa A blfy,] ukckMZ us lHkh cSadksa dks vkjchvkbZ
ds bl voyksdu ij /;ku nsus dh lykg nh vkSj lqfuf'pr djus ds fy, dgk fd cSad mfpr tksf[ke Hkkj nsa vkSj vkjchvkbZ }kjk
fu/kkZfjr lhvkj,vkj fn'kkfunsZ'kksa dk l[rh ls ikyu djsaA
7-35 lkoZtfud foÙkh; çca/ku ç.kkyh ¼ih,Q,e,l½ ds ek/;e ls çR;{k ykHk gLrkarj.k & ih,Q,e,l dks lHkh txg ykxw
djuk :
lhch,l esa ekbxzs'ku ds i'pkr T;knkrj lgdkjh cSadksa us ,uihlhvkbZ ds vk/kkj Hkqxrku fczt flLVe ¼,ihch,l½ ds
ek/;e ls MhchVh esa ços'k fd;k gSA lgdkjh cSad xzkeh.k foÙkh; ifjra= dk ,d cgqr gh vfuok;Z fgLlk gSaA blfy,] ukckMZ us
28&02&2018 ds vius ifji= ds ek/;e ls lHkh ,llhch vkSj Mhlhlhch dks ih,Q,e,l eap dks viukus dh vko';drk ds ckjs esa
crk;k rkfd os vius xzkgdksa dks dsaæh; / jkT; ljdkj dh mu ;kstukvksa ds varxZr feyus okys vuqnku / lgk;rk / lfClMh çkIr
djus esa lgk;rk fnyk ldsa tks ih,Q,e,l ds ek/;e ls MhchVh ij pyrh gSa A blfy,] ukckMZ us lHkh ,llhch vkSj Mhlhlhch dks
rqjar ih,Q,e,l dks viuk,¡ ,oa ukckMZ ds {ks=h; dk;kZy;ksa dks bl laca/k esa gksusokyh çxfr ds ckjs esa lwfpr djrs jgsa A
7-36 ukckMZ }kjk ijke'kZ:
a½ 31 ekpZ 2017 rd lgdkjh cSadksa ds çn'kZu dh leh{kk ds fy, ubZ fnYyh esa 10 tqykbZ 2017 dks ukckMZ }kjk
vk;ksftr o"kZ 2017&18 ds fy, lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd:
ukckMZ us 31 ekpZ 2017 rd lgdkjh cSadksa ds çn'kZu dh leh{kk ds fy, ubZ fnYyh esa 10 tqykbZ 2017 dks ukckMZ
}kjk vk;ksftr o"kZ 2017&18 ds fy, lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd vk;ksftr dhA bl cSBd esa
uS¶ld‚c ds v/;{k vkSj çca/k funs'kd dks vkeaf=r fd;k x;k Fkk A çca/k funs'kd] uS¶ld‚c us bl leh{kk
cSBd esa Hkkx fy;kA
b½ ubZ fnYyh esa 11 tqykbZ 2017 dks Lo;a lgk;rk lewg vkanksyu ds 25 lky eukus ds fy, ukckMZ ds 36 osa LFkkiuk
fnol dh iwoZ la/;k ij ukckMZ }kjk vk;ksftr laxks"Bh:
ukckMZ us 11 tqykbZ 2017 dks foKku Hkou] ubZ fnYyh esa viuk 36 ok¡ LFkkiuk fnol eukus ds fy, 25 o"khZ;
Lo&lgk;rk lewg ¼,l,pth½ dh ;k=k ds egRo dks js[kkafdr djus laxks"Bh dk vk;kstu fd;kA uS¶ld‚c ds
34
55 TH ANNUAL REPORT
çca/k funs'kd Jh ch lqczã.;e us 11 tqykbZ 2017 dks ukckMZ }kjk vk;ksftr lsfeukj esa Hkkx fy;kA lsfeukj ds
nkSjku] ,l,pth vkanksyu ds 25 xkSjo'kkyh o"kksaZ dh cgqvk;keh ;k=k ij ppkZ gqbZA blds vykok] laxks"Bh esa ¼i½
,l,pth 'laLej.k' dk vukoj.k fd;k x;k ¼ii½ Hkkjr esa ekbØks Qkbusal dh fLFkfr 2016&17 tkjh dh xbZ
¼iii½ eq[; ;ksxnkudrkZ] uhfr / O;olk;h / ,l,pth usrkvksa dks ekuuh; dsaæh; foÙk ea=h }kjk lEekfur fd;k
x;k A laxks"Bh dk mn~?kkVu ekuuh; dsaæh; foÙk ea=h Jh v#.k tsVyh us fd;kA laxks"Bh ds çfrHkkxh ljdkj ds
çeq[k ea=ky;ksa ds ofj"B vf/kdkjh Fks] Hkkjr ljdkj] jkT; ljdkj] Hkkjrh; fjtoZ cSad] okf.kfT;d cSad] lgdkjh
cSad] {ks=h; xzkeh.k cSad] çfrf"Br f'k{kkfon] —f"k vuqla/kku laLFkkuksa vkSj fo'ofo|ky;ksa ds oSKkfud] fodkl
,tsafl;ka] ,uthvks vkSj —f"k ds {ks= esa m|ksx ds usrkvksaA
c½ ukckMZ }kjk rS;kj lhch,l i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds vkdyu ds fy, lfefr dh fjiksVZ:
uS¶ld‚c us 28&04&2016 ds vius i= la- Mhvks / uS¶ld‚c / MCY;w &42 ¼i½ / 2016&17 / 039 ds ek/;e ls
ukckMZ ds v/;{k ls vuqjks/k fd;k fd os O;kid ekuo lalk/ku fodkl ds fuekZ.k dh lqfo/kk ds fy, dk;Z lewg
cukus ds fy, vko';d igy djsa ,oa ,llhch vkSj Mhlhlhch nksuksa ds fy, uhfr vkSj lacaf/kr fn'kkfunsZ'k nsaA
ukckMZ us tqykbZ 2016 esa ukckMZ ds mi çca/k funs'kd Jh vkj veyksiouukFku dh v/;{krk esa 'lhch,l i'pkr
i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds vkdyu ds fy, lfefr' xfBr dh FkhA lfefr us 10&10&2017
dks viuh vafre fjiksVZ çLrqr dhA
lfefr dh lajpuk:
1 Jh vkj veyksjikoukFku] mi çca/k funs'kd] ukckMZ v/;{k
2 Jh fd'ku flag vVksfj;k] vkbZ,,l] ç/kku lfpo lg;ksx] mÙkj çns'k ljdkj lnL;
3 Jh ,l ,l la/kw] vkbZ,,l] vfrfjä eq[; lfpo] lg;ksx] egkjk"Vª ljdkj lnL;
4 rsyaxkuk jkT; lgdkjh cSad ds v/;{k Jh ds jfoanj jko lnL;
5 Jh çnhi oksjk] eq[; dk;Zdkjh vf/kdkjh] xqtjkr jkT; lgdkjh cSad lnL;
6 Jh oh Mh xksnkjk] çca/k funs'kd] jktLFkku jkT; lgdkjh cSad lnL;
7 Jh Vh ds ikaMk] ,eMh] vksfM'kk jkT; lgdkjh cSad lnL;
8 Jh çnhi ukbZd] eq[; dk;Zdkjh vf/kdkjh] jk;x<+ lhlhch] egkjk"Vª lnL;
9 M‚ ;w ,l lkgk] eq[; egkçca/kd] laLFkkxr fodkl foHkkx] ukckMZ lnL; lfpo
blds ckn] lfefr }kjk nks vfrfjä lnL;ksa dk lg&p;u fd;k x;kA
35
NAFSCOB
i½ rsyaxkuk jkT; lgdkjh cSad ds çca/k funs'kd] M‚ usFkh eqjyh/kj

ii½ lgdkjh lfefr;ksa ds vfrfjä jftLVªkj] mÙkj çns'k ljdkj
• lanHkZ 'krsa:
v½ jkT; lgdkjh cSadksa ¼,llhch½ vkSj ftyk e/;orhZ lgdkjh cSadksa ¼Mhlhlhch½ esa ekuo lalk/ku dh orZeku fLFkfr
dh leh{kk djus ds fy,A
vk½ lhch,l ifj–'; esa ekuo lalk/ku vko';drk dk v/;;u djus ds fy, lgdkjh cSadksa }kjk u, O;kikj vkSj
fu;ked <kaps ds lkFk lgdkjh cSadksa }kjk lhch,l vkSj lwpuk çkS|ksfxdh ¼vkbZVh½ mRiknksa dks viukus ds fo'ks"k
lanHkZ ds lkFkA
b½ ,llhch vkSj Mhlhlhch esa ,d ilanhnk laxBu lajpuk dk v/;;u vkSj vuq'kalk djus ds fy,A
bZ½ is'ksojrk ds fy, deZpkfj;ksa dh fofHkUu Jsf.k;ksa ds rgr tu'kfä vkSj dkS'ky vko';drk dk vkdyu djukA
m½ lgdkjh cSadksa ds deZpkfj;ksa dk {kerk fuekZ.k vkSj çf'k{k.k j.kuhfr dh tkap djukA
Å½ ekuo lalk/ku fodkl ds fy, mfpr flQkfj'ksa djus ds fy,A
,½ lfefr ds :i esa dksbZ vU; igyw tks mfpr gksA
7-37 lgdkjh fodkl dks”k ¼lhMh,Q½ %
Lkalnh; —f"k lfefr dh flQkfj'k ds vuqlj.k esa lgdkjh _.k lfefr;ksa dks mudh lajpukRed lqfo/kkvksa esa lq/kkj djus
ds fy, lgk;rk nsus ds mÌs';ksa ls ukckMZ vf/kfu;e] 1981 dh /kkjk 45 ds izko/kkuksa ds vuqlkj o"kZ 1992&93 esa ukckMZ }kjk lgdkjh
fodkl dks”k ¼lhMh,Q½ dh LFkkiuk dh xbZA
31 ekpZ] 2018 rd fofHkUu iz;kstuksa ds fy, dks"k ls lgdkjh laLFkkvksa vFkkZr ,llhch vkSj ,vkjMhch dks forfjr lap;h
lgk;rk 19-0 djksM+ :- Fkh ftlesa ls 18-84 djksM+ #i;s forfjr fd, tk pqds gSa A 31 ekpZ] 2018 dh fLFkfr ds vuqlkj jkT;
lgdkjh cSadksa dks lhMh,Q ds varxZr lgk;rk dh iz;kstuokj okLrfod eatwjh vkSj laforj.k fuEu izdkj ls gS%&
¼ `- yk[k esa½
d- mís'; Loh—r laforfjr laforfjr / Loh—fr
dk çfr'kr
1 cqfu;knh lajpuk ¼çk-—-lk-l-½ 126-11 99-67 79-03
2 lEidZ ;k=k,¡ 137-06 90-82 66-26
36
55 TH ANNUAL REPORT
3 lEesyu / lsfeukj/lHkk,¡ 48-79 21-05 43-14

4 vksMhvkbZ 59-98 31-58 52-65
5 dk;Z'kkyk ¼ M‚l+ vkbZMhMh½ 11-62 2-39 20-57
6 l‚¶V~d‚c ¼ lhVhvkbZ½ 1054-96 994-36 94-26
7 ihMhlh 173-03 145-15 83-89
8 lhch,l& Mhlhch,l 223-10 203-43 91-18
¼,y 1 gsYiMsLd½
9 l-cSadksa }kjk çf'k{k.k 298-46 155-60 52-13
10 vU; 266-89 139-87 52-14
dqy 2400-00 1883-92 78-50
lhMh,Q ds varxZr eatwj dh xbZ fuf/k;ksa dk 'ks"k mi;qZDr iz;kstuksa gsrq ,vkjMhoh rFkk lkFk gh ,lh,lVhvkbZ tSls
ts,yVhlh dks ykxrksa dh izfr iwfrZ ftUgsa ulh,eMhvkjMhMh oSeuhdkWe vkSj ,,llhvkbZ tSlh jk"Vªh; Lrj dh laLFkkvksa }kjk
lapkfyr fd;k x;kgSA v/;;uksa] lsehukjksa ds lapkyu] loksZRre çn'kZu iqjLdkjksa] lgdkjh tkx:drk dk;ZØe] laxBukRed
fodkl igy] dslhlh lgdkjh ca/kqvksa dh cSBd vkSj lsfeukj vkfn ds fy, gSA 31 ekpZ 2018 ds vuqlkj lgdkjh _.k laLFkkvksa
vkfn dh lhMh,Q lgk;rk dk iz;kstuokj fooj.k ifjf'k"V- 5 ij gSA
7-38 fdlku ØsfMV dkMZ Ldhe
vxLr] 1998 esa Hkkjr ljdkj ds vuqjks/k ij ukckMZ }kjk dslhlh Ldhe rS;kj dh xbZ FkhA ukckMZ }kjk miyC/k djk;s x;s
vkadM+ksa ds vuqlkj Qjojh 2018 ds var rd lgdkjh cSadksa] {ks=h; xzkeh.k cSadksa feydj Ldhe ds 'kq: gksus ls vc rd dksbZ
4]56]88]100 dslhlh tkjh fd,A blds eqdkcys Qjojh 2018 ds var rd vc rd 2]37]84]870 djksM+ ` dk _.k tkjh fd;k x;k
FkkA o"kZ 2017&18 ds nkSjku lgdkjh cSadksa vkSj {ks=h; xzkeh.k cSadksa }kjk tkjh fd;s x;s dqy dslhlh 28]96]012 Fks vkSj blh vof/k ds
nkSjku eatwj jkf'k 24]011-60 djksM+ ` FkhA izkjEHk ls ysdj tc rd tkjh fd, x, dqy dkj.kksa esa ls lgdkjh cSadksa us 3]34]94]661
dslhlh vkSj {ks=h; xzkeh.k cSadksa }kjk 12]193]439 dslhlh tkjh fd, x, A
leh{kk/khu vof/k ds nkSjku lgdkjh cSadksa us dqy 13]29]512 fdlku ØsfMV dkMZ] vkjvkjch us 15]66]500 fdlku ØsfMV
dkMZ tkjh fd, A blh izdkj bu fdlku ØsfMV dkMksZa ij eatwj jkf'k lgdkjh cSadksa }kjk djksM `- 6940-97 vkjvkjch }kjk djksM
`-17070-63 djksM+ FkhA
37
NAFSCOB
ekpZ 2018 ds var rd izkjEHk ls vc rd dslhlh Ldhe dh izxfr vkSj ,tsalhokj tkjh fd, x, dslhlh Øe'k% ifjf'k"V 6
vkSj ifjf'k"V 7 esa fn, x;s gSaA
8- y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh çxfr ,oa dk;Z fu"iknu
ns'k Hkj dh y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh dqy dk;Z iwath 9]05]302-72 djksM+ Fkh tks fd y?kq vkof/kd lgdkjh
lk[k {ks= dk jk"Vªh; vFkZO;oLFkk esa egRoiw.kZ ;ksxnku dk |ksrd gSA ;g ç'kaluh; gS fd lgdkjh vkanksyu ds lexz fodkl ds
lkFk&lkFk y?kq vkof/kd lgdkjh laLFkk,¡ Hkh y{k.kh; çxfr ij gSaA jkT; lgdkjh cSadksa] ft-e-l-cSadksa ,oa çkFkfed —f"k lk[k
lfefr;ksa }kjk dh xbZ çxfr fuEufyf[kr vuqPNsnksa esa crkbZ xbZ gSA
8-1 jk-l-cSadksa dk dk;Z fu"iknu ¼ 2016&17 cuke 2015&16½
8-1-1 lEçfr ns'k esa 33 jk-l-cSad gSa ,oa lHkh 32 cSad uSQLdksc ds lnL; gSaA o"kZ 2016&17 dh rqyuk esa o"kZ 2015&16 esa
jk-l-cSadksa ds dk;Z fu"iknu dk foLr`r C;kSjk ifjf'k"V 8 esa fn;k x;k gS
8-1-2 jk-l-cSadksa dh ^ lnL;rk ^ o"kZ 2015&16 esa 6]00]278 Fkh tks fd 2016&17 esa 7]16]361 gks xbZA bldk eq[; dkj.k
O;fäxr lnL;rk esa c<+r gS tks fd 1]16083 rd igqap xbZ ,oa lgdkjh lfefr;ksa dh lnL;rk o"kZ 2015&156 esa
21]044 ls o"kZ 2016&17 es 20]097a gks xbZA
8-1-3 ^pqdrk iwath* esa `- 146-78 djksM+ dh c<+ksÙkjh gqbZ tks fd 3-16 çfr'kr jghA o"kZ 2015&16 esa ^pqdrk iwath* esa
^ljdkj dh vksj ls 'ks;j iwath `- 889-04 djksM+ ls `- 823-98 djksM+ rd ?kV+ xbZ A
8-1-4 o"kZ 2016&17 esa jk-l-cSadksa dh ^ vkjf{kr fuf/k;k¡ * o"kZ 2015&16 esa `- 12]825-93 djksM+ ls dqy `- 12]249-40
djksM+ rd igq¡ph tks fd `- 576-53 djksM+ vFkkZr 4-50 çfr'kr dh Úgkl fn[kkrk gSA
8-1-5 iwoZ dh rjg gh jk-l-cSadksa ds ^lalk/kuksa* dk eq[; ?kVd gksrh gS ^ tekjkf'k;k¡ Â o"kZ 2016&17 ds var rd
okLrfod tekjkf'k dk Lrj Fkk `- 1]20]300-76 djksM+ tks fd o"kZ 2015&16 ds `- 1]04]921-65 djksM+ ls #-
15379-11 djksM+ ¼ 14-66 çfr'kr½ dh fuoy o`f) gSA
8-1-6 leLr Þ m/kkj jkf'k;k¡ Þ]] o"kZ 2015&16 esa `- 67]357-63 djksM+ ls o"kZ 2016&17 rd `- 73]694-93 djksM+ rd
c< xbZa ftlls 9-41 çfr'kr fuoy o`f) gSA
38
55 TH ANNUAL REPORT
8-1-7 lHkh jk-l-cSadksa dh dqy ^dk;Z'khy iwath* o"kZ 2014&15 esa `- 1]98]672-66 djksM+ ls o"kZ 2016&17 esa
`- 2]17]968-82 djksM+ rd c<+h] ftlls `- 19]296-06 djksM+ dh iw.kZ o`f) ntZ gqbZA çfr'krrk esa o`f) 9-71 çfr'kr
gqbZA
8-1-8 jk-l-cSadksa }kjk fn;s tkus okys Þ_.kksa ,oa vfxzeksaß esas o`f) gqbZ gS A o"kZ 2015&16 esa `- 1]21]656-33 djksM+ ls o"kZ
2016&17 esa `- 1]27]716-41 djksM+ vFkkZr 6]060-08 djksM+ dh o`f) 4-98 çfr'krA
8-1-9 o"kZ 2016&17 esa ^dqy cdk;k _.k* `- 1]22]955-18 djksM+ gqvk tks fd o"kZ 2015&16 esa `- 1]18]307-14 djksM+ Fkk
vFkok 3-93 çfr'kr dh o`f)A
8-1-10 gkykafd] o"kZ 2016&17 esa ^ _.k olwyh* esa o`f) vkbZ gS A o"kZ 2015&16 esa dqy 63]222-39 djksM+ ds _.k olwy
gq, tcfd 2016&17 esa 68]966-51 djksM+ ds _.k olwy gq, ;kuh `- 5]744-12 djksM+ dh o`f) tks fd 9-09 çfr'kr
dk o`f) gSA
8-1-11 o"kZ 2016&17 esa Þ ek¡x ds vuqlkj olwyh ^ dk vuqikr 95-58 çfr'kr jgkA
8-1-12 o"kZ 2016&17 esa Þek¡x ds vuqlkj vfr'ks"kß dk vuqikr 4-42 çfr'kr jgk
8-2 ftyk e/;orhZ lgdkjh cSadksa dk dk;Z fu"iknu ¼2016&17 cuke 2015&16½:
8-2-1 o"kZ 2016&17 ds var rd ns'k Hkj esa 363 cSad FksA fofHkUu ifjpyukRed fud"kksa ij vk/kkfjr ft-e-l-cSadksa dk
dk;Z fu"iknu ifjf'k"V &09 esa fn;k x;k gSA
8-2-2 ft-e-l-cSadksa dh ^lnL;rk* o"kZ 2015&16 ds 3208720 ls c<+dj 2016&17 esa 32]33]599 rd igqaph ftlesa 0-78
çfr'kr dh c`f) gqbZ gS eq[;r: O;fäxr lnL;rk esa vkbZ fxjkoV ds dkj.k A blh dkykof/k esa ft-e-l-cSadksa esa
O;fäxr lnL;ksa dh la[;k 27]22]036 ls c<+dj 27]56]155 gks xbZA
8-2-3 ft-e-l-cSadksa dh ^ pqdrk 'ks;j iwath ^ o"kZ 2015&16 esa #- 12]876-75 djksM+ Fkh tks fd 2016&17 esa c<+dj
`- 14539-99 djksM+ gks xbZ ftlls #- 1663-24 djksM+ vFkok 12-92 çfr'kr dh o`f) gqbZA ^ pqdrk 'ks;j iwath ^ esa
39
NAFSCOB
ljdkj ds ;ksxnku esa 34-07 çfr'kr dh o`f) gqbZ gS tks fd o"kZ 2015&16 esa `- 1]506-24 djksM+ Fkk vkSj 2016&17
esa `- 2]019-35 djksM+ rd c<+ x;kA
8-2-4 ft-e-l-cSadksa dh Þvkjf{kr fuf/k;k¡ Þ tks o"kZ 2015&16 esa `- 31]843-96 djksM+ Fkha ] o"kZ 2016&17 esa `- 33138-04
djksM+ rd igqaph tks fd 4-06 çfr'kr dh c<+r gSA
8-2-5 ns'k Hkj ds ft-e-l-cSadksa us o"kZ 2016&17 esa `- 3]09]200-77 djksM+ Þtek jkf'k ^ dk laxzg.k fd;k gS ftuesa
Ô;fäxr tek* ^dqy tek* ds 57-19 çfr'kr gSa A ^lgdkjh lfefr;ksa ls tekß ,oa ^vU;* esa o"kZ 2015&16 esa
`-1]19]311-66 djksM+ ls o"kZ 2016&17 esa `- 1]32]376-52 djksM+ rd dh o`f) ntZ dh xbZ tks fd `-13]064-86
djksM+ vFkok 10-95 çfr'kr dh fuoy o`f) gS A
8-2-6 ^ ft-e-l-cSadks- dh m/kkj jkf'k;k¡* o"kZ 2015&16 esa `- 77]606-08 djksM+ ls `- 84]679-91 djksM+ igq¡ph ftlls
`-7]073-83 djksM+ vFkkZr 9-12 çfr'kr dh o`f) ntZ gqbZA
8-2-7 ft-e-l-cSadksa dh Þdk;Z'khy iwath Þo"kZ 2014&15 esa `- 3]77]098-16 djksM+ ls o"kZ 2015&16 esa `-4]01]256-10 djksM+
rd c<ha tks fd `- 24]157-92 djksM+ dh vFkok 11-22 çfr'kr dh o`f/n n'kkZrh gSA
8-2-8 ft-e-l-cSadksa }kjk fn;s x;s Þ _.k ,oa vfxzeß o"kZ 2015&16 esa `- 2]49]375-96 djksM+ ls o"kZ 2016&17 esa
`- 2]54]012-31 djksM+ rd c<+s gSaA ;g o`f) `- 4]636-35 djksM+ vFkkZr 1-86 çfr'kr dh gSAÞ cdk;k _.kß dh jkf'k
Hkh 4-21 çfr'kr ls c<+h gS tks fd ekpZ 2016&17 ds var rd `- 2]37]492-91 djksM+ gqbZA^
8-2-9 _.k olwyh* esa lq/kkj gqvk gSA o"kZ 2016&17 esa dqy -1]68]854-84 djksM+ ds _.k olwy gq, tcfd 2015&16 esa -
1]60]424-77 djksM+ ds _.k olwy gq, Fks ;kuh `- 8]430-07 djksM+ dh o`f) tks fd 5-25 çfr'kr gS
8-2-10 ;g ns[kk x;k fd o"kZ 2016&17 esa `- 2]18]087-91 djksM+ dh jkf'k dh Þek¡xß dh x;h tcfd 2015&16 esa ;g
jkf'k `- 2]00]739-92 djksM+ FkhA
8-2-11 o"kZ 2016&17 esa Þek¡x ds vuqlkj vfr'ks"kß dh çfr'krrk 20-08 çfr'kr jgh tks fd o"kZ 2015&16 dh 22-57
çfr'kr ls de gqbZ gSA
40
55 TH ANNUAL REPORT
8-3 çkFkfed —f"k lk[k lfefr;ksa dk dk;Z&fu"iknu ¼ o"kZ 2016&17 cuke 2015&16½:
8-3-1 jk-l-cSdksa ,oa ft-e-l-cSadksa dh rjg gh çk-—-l-l- dk Hkh o"kZ 2016&17 esa çn'kZu larks"ktud jgkA o"kZ 2015&16
dh rqyuk esa o"kZ 2016&17 esa çk-—-l-l ds dk;Z&fu"iknu dk foLr`r C;kSjk ifjf'k"V&10 esa fn;k x;k gSA
8-3-2 tgk¡ rd çk-—-l-l dh dqy la[;k dk ç'u gS] ;g ns[kk x;k fd mudh la[;k esa o"kZ 2015&16 esa 93]367 ls o"kZ
2016&17 esa 95]603 rd dh o`f) gqbZ gSA çk-—-l-l- dh ^lnL;rk* o"kZ 2015&16 esa 1]27]322 ls c<+dj 2016&17
esa 1]50]533 rd igqaph ftlesa 18-28 çfr'kr o`f) gqbZ gS A fdarq ;g ns[kk X;k gS fd o"kZ 2016&17 esa Þvuqlwfpr
tkfr dh lnL;rk esa fxjkoV vkbZ gS tcfd Þvuqlwfpr tutkfrß dh lnL;rk esa o`f) gqbZ gSA Þdqy lnL;rkß esa
Þm/kkjdrkZ lnL;ksa Þ dk çfr'kr 2015&16 esa 36-30 Fkk tksfd c<+dj 46-41 çfr'kr gks x;k ;kuh 10-11 çfr'kr
dh o`f) gqbZ gSA
8-3-3 çk-—-l-l- dh ^pqdrk 'ks;j iwath^ o"kZ 2015&16 esa `- 12]241-88 djksM+ Fkh tks fd 2016&17 esa c<+ dj `- 14]035-
69 djksM+ gks xbZ ftlls `- 1754-58 djksM+ vFkok 14-29 çfr'kr dh o`f) gqbZA ^ pqdrk 'ks;j iwath ^ esa ljdkj ds
;ksxnku esa 0-42 çfr'kr dh o`f) gqbZ gS tks fd o"kZ 801-51 djksM+ Fkk vkSj 2016&17 ds dqy ;ksxnku dk 5-71
çfr'kr Fkk A
8-3-4 çk-—-l-l dh dqy Þvkjf{kr fuf/k;k¡ Þ`- 16]259-46 djksM+ Fkha ] tks fd fiNys o"kZ ls 33-69 çfr'kr vf/kd FkhaA
8-3-5 Þtekjkf'k;ksa Þ ds laxzg.k gsrq fd;s x;s ç;kl bl o"kZ esa cM+s gh çsj.kknk;h jgsA o"kZ 2016&17 esa dqy tek jkf'k #-
119]720-65 djksM+ Fkh tcfd o"kZ 2015&16 esa `- 101]065-48 djksM+ Fkh tks fd 18-46 çfr'kr dh o`f) dks
n'kkZrh gSA
8-3-6 çk-—-l-l- dh ^m/kkj jkf'k;k¡* o"kZ 2015&16 esa `- 112]690-29 djksM+ ls o"kZ 2016&17 esa `- 123]972-11 djksM+
igq¡ph ftlls #- 11]281-82 djksM+ vFkkZr 10-01 çfr'kr dh o`f) ntZ gqbZA
8-3-7 çk-—-l-l dh Þdk;Z'khy iwath Þo"kZ 2015&16 esa #- 2]01]304-41 djksM+ ls o"kZ 2016&17 esa `- 2]35]680-13 djksM+
rd c<ha tks fd `-34]375-71 djksM+ dh vFkok 17-08 çfr'kr dh o`f/n n'kkZrh gSA
41
NAFSCOB
8-3-8 o"kZ 2015&16 dh vis{kk o"kZ 2016&17 esa çk-—-l-l }kjk tkjh Þ_.kksa ,oa vfxzeksa Þesa o`f) gqbZ gSA çk-—-l-l }kjk
tkjh dqy _.k ,oa vfxze o"kZ 2015&16 es `- 1]80823-51 djksM+ ls o"kZ 2016&17 esa `- 2]00]912-29 djksM+ gq,
tks fd 11-11 çfr'kr dh o`f) gqbZ A
8-3-9 cdk;k _.kß dh jkf'k Hkh 7-23 çfr'kr ls c<+h gS tks fd o"kZ 2016&17 esa `- 1]58]487-25 djksM+ Fkh vkSj o"kZ
2016&17 esa `- 1]69]942-32 djksM+ gqbZA
8-3-10 çk-—-l-l- }kjk olwy Þ_.kksa ,oa vfxzeksa Þ esa 12-61 çfr'kr dh o`f) gS tks fd o"kZ 2015&16 esa `- 1]23]835-23
djksM+ Fkh vkSj 2016&17 esa `- 1]39]451-24 djksM+ olwy gq, ;kuh `-15]616-01 djksM+ dh lEiw.kZ o`f) A
8-3-11 Þ vfr'ks"k* dh dqy jkf'k o"kZ 2016&17 esa `- 53]840-43 djksM+ gS tks fd o"kZ 2015&16 esa `- 29]899-13 djksM+ Fkh
;kuh lEiw.kZ 80-13 çfr'kr dh o`f) A
8-3-12 Þek¡x ds vuqlkj vfr'ks"kß dh çfr'krrk o"kZ 2016&17 esa 26-90 çfr'kr jgh tks fd o"kZ 2015&16 ds 17-60
çfr'kr ls o`f) gSA
ifjf'k"V esa y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh çxfr ,oa çn'kZu vkjs[kksa ds ek/;e ls çLrqr fd;k x;k gSA
9- jk”Vhª; jkT; lgdkjh cSad egkla?k ¼uS¶ldkWc½

9-1 mRifRr vkSj mns”;
tSlk dh vkidks fofnr gS jk”Vhª; jkT; lgdkjh cSad egkla?k ¼uS¶ldkWc½ dh LFkkiuk fnukad 19 ebZ]1964 dks dh xbZ FkhA
bldk mns”; fo’k”k :i ls jkT; vkSj dsUnzh; lgdkjh cSadksa ds dk;ksaZ dks lqyHk cukuk vkSj lkekU; :i ls lgdkjh _.k vkSj cSafdax
dk fodkl gSA
uS¶ldkWc ds fof’k”V mís'; fuEufyf[kr gSaS%
1 lgdkjh _.k cSafdx ds lac/n ekeyksa ls tqM+h leL;kvksa dh tk¡p ds fy, lnL; cSadksa dks lkekU; eap iznku
djuk vkSj muds izfr mfpr j.kuhfr fodflr djukA
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55 TH ANNUAL REPORT
2 lnL; cSadksa dks lHkh {ks=ksa eas muds lHkh dk;Zdykiksa es muds fgrksa dks izksRlkfgr djuk o j{kk djuk vkSj
lnL; cSadksa dks muds fopkj O;Dr djus dh Lora=rk nsukA
3 lnL; cSadksa dh rjQ ls lgdkjh _.k ds fodkl ds fy, Hkkjr ljdkj] Hkkjrh; fjtoZ cSad] lacaf/kr jkT; ljdkj
ukckMZ vkSj vU; mPp foRrh; laLFkkuksa ds lkFk leUo; djukA
4 lnL; cSadksas dks muds vius laxBuksas dks n`<+ djus ds fy, lqfo/kk iznku djus ds fy, vuqla/kku ,oa ijke”kZ lqfo/kk
iznku djukA
5 csgrj uhfr fu.kZ; gsrq lg;ksx nsus ds n`f”Vxr lkekU; fgrksa dh Hkkxhnkkjh ds fy, lEesyu]
lsfeukj@dk;Z”kkyk,a @dk;Zdze@ cSaBds vk;ksftr djukA
uS¶ldkWc viuh rhu ‘kk[kkvksa ds ek/;e ls dk;Z djrk gS ¼1½ ;kstuk vuqla/kku vkSj fodkl ¼ihvkjMh½]¼2½ vf[ky
Hkkjrh; ijLij O;oLFkk Ldhe ¼,vkbZ,e,,l½ ¼ fnlacj 2017 rd ½ vkSj ¼3½ dEI;qVj lsok izHkkx ¼lh,lMh½A
uS¶ldkWc us vius lnL; cSadksa o lgdkjh _.k volajpuk dks mi;ksxh lsok nsus ds 54 lky iwjs fd,A
9-2 uS¶ldkWc esa lnL;rk%
uS¶ldkWc dh lnL;rk Hkkjr x.kra= esa lHkh jk-l- cSadksa ds fy, [kqyh gSA orZeku esa 32 jk-l-cSad uS¶ldkWc ds lnL; gSaA
9-3 uS¶ldkWc }kjk lnL;rk%
d½ uS¶ldkWc fuEufyf[kr jk”Vhª; Lrjh; laxBuksa dk lnL; gS%

1 Hkkjrh; jk”Vhª; lgdkjh la?k ¼,ulh;wvkbZ½] ubZ fnYyhA
2 Hkkjrh; lgdkfjrk v/;;u lfefr ¼vk;lh,llh½] iq.ksA
3 jk”Vhª; fQYe vkSj yfyr dyk dkWijsfVo fyfeVsM ¼,u,,Q,Q,lh½] ubZ fnYyhA
4 Hkkjrh; i;ZVu lgdkjh e;kZ- ¼d‚iVwj½ ] ubZ fnYyhA
5 Hkkjrh; lgdkjh cSad ¼dksch½] ubZ fnYyhA
6 Hkkjrh; cSaDl ,lksfl,’ku ¼vkbZch,½] eqEcbZ&lg lnL;A
7 Hkkjrh; epsZaV~ psEcj ¼vkbZ,elh½] eqEcbZ&lg lnL;A
[k½ uS¶ldkWc fuEufyf[kr varjkZ"Vªh; laxBuksa dk lnL; gS%

1 fn baVjus’kuy dkWijsfVo ,yk,Ul ¼vkbZlh,½] czlsYl] csfYt;e
43
NAFSCOB
2 baVjus’kuy jSfQlsu ;wfu;u ¼vkbZvkj;w½] cksu teZuhA

3 ,f’k;u ,.M iSflfQd :jy ,xzhdYpjy dsz fMV ,lksf’k,’ku ¼,ihvkj,lh,½] cSadkWd] FkkbyS.MA
4 lsUVj QkWj baVjus’kuy dkWijs’ku ,.M Vªsfuax bu ,xzhdYpjy cSafdax ¼lhvkbZlhVh,ch½] iq.ks
bf.M;kA
5 usVoZd QkWj MsoyiesUV vkWQ ,xzhdYpjy dkWijsfVo ¼,ubZMh,lh½ bu ,f’k;k] cSadkWd] FkkbyS.MA
9-4 d½ uS¶ldkWc dk dk;Z fu”iknu
uS¶ldkWc us vius lhfer lalk/kkukssa] foRrh; vkSj Je ‘kfDr nksauksa ds lkFk fn, x, mn~ns”;ksa dks izkIr djus esa cgqr gh
vPNk dke fd;kA tcfd uS¶ldkWc ls lacaf/kr lHkh ekeyksa esa lk/kkj.k lHkk fu.kZk;d izkf/kdkjh gS rFkkfi uS¶ldkWc ds dk;ksZa dk
izca/ku funs”kd eaMy }kjk fd;k tkrk gS ftlesa v/;{k@lnL; jk-l-cSad dk dksbZ lnL;@iz’kkld@fo”ks’k vf/kdkjh vFkok
jk-l-cSad ds eq[; dk;Zdkjh ‘kkfey gSA uS¶ldkWc dh dk;Zdkjh lfefr esa v/;{k] Ng mik/;{k vkSj uS¶ldkWc ds eq[; dk;Zdkjh
‘kkfey gSa tks mifof/k;ksa esa ;Fkk &fu/kkZfjr vFkok cksMZ }kjk ;Fkk &izR;k;ksftr “kfDr;ksa dk mi;ksx djrs gSA
uS¶ldkWc dk çn'kZu fiN~ys ik¡p n'kdksa esa bl çdkj oxhZ—r fd;k tk ldrk gS :
uS¶ldkWc&ikap n”kd
Ikgyk n’kd mi;qDr fn’kk dh [kkst
¼1964&1974½
nwljk n’kd Nfo fuekZ.k
¼1975&1984½
rhljk n’kd nks vof/k;ksa es foHkkftr
¼1985&1994½
d½ izFke vof/k lesdu
¼1985&1989½
[k½ f}rh; vof/k îfjoZru* dh vof/k
¼1989&1994½
pkSFkk n’kd * vis{kkvksa] egRokdka{kkvksa o izR;k”kkvksa dh vof/k*
¼1995&2004½
Ikakpoka n’kd iqu% iwathdj.k@xSj&fLFkjhdj.k ds fy, lQy
2005&2014 ykWch ¼leFkZd oxZ½
44
55 TH ANNUAL REPORT
vxyk n’kd
2014&2023 ;g vk'kk gS fd 2014&15 ls 'kq: gksus okys n'kd
esa] vius ekStwnk :i esa vYikof/k lgdkjh _.k
lajpuk dks etcwr djus dh fn'kk esa ,d ço`fÙk ns[kh tk,xhA
fMftVyhdj.k lfgr rduhdh fodkl ls ckgj fudyus
okyh pqukSfr;ksa dk lkeuk djus ds fy, ,lVhlhlh,l dh
rS;kjh lqfuf'pr djukA
[k½ igy%
9-4-1 " ekuo lalk/ku fodkl" uhfr ij lfefr dk xBu ,oa çkFkfed —f"k lk[k lfefr dks fn'kkfunsZ'k ds lq>ko nsuk
uS¶ld‚c ds funs'kd eaMy }kjk fd, x, fu.kZ; ds vuqlkj] uS¶ld‚c ds v/;{k us fuEufyf[kr lnL;ksa dks ysdj "ekuo
lalk/ku uhfr" rS;kj djus vkSj ih,lh,l ds fy, fn'kkfunsZ'kksa dk lq>ko nsus ds fy, ,d lfefr xfBr dhA lfefr dh lajpuk
uhps nh xbZ gS:
• lfefr dh lajpuk
Ø-la uke C;kSjk
1 Jh dksaMq# jfoanj jko v/;{k
v/;{k] rsyaxkuk ,llhch
2 Jh ih eksgu¸;kg lnL;
iwoZ eq[; egkçca/kd] ukckMZ
3 Jherh jatuk pksiM+k] vkbZ,,l lnL;
vk;qä&lg&lfpo
lg;ksx foHkkx
vksfM'kk ljdkj
4 lgdkjh lfefr;ksa ds jftLVªkj lnL;
rfeyukMq
5 M‚ ,e,y lq[knsos lnL;
v/;{k] ç'kkld cksMZ]
egkjk"Vª ,llhch
6 Jh jch dkar flag lnL;
çca/k funs'kd] mÙkj çns'k ,llhch
45
NAFSCOB
7 M‚ ,l ds cfV'k lnL;
çca/k funs'kd] iatkc ,llhch
8 Jh vks- bZ-ts- uksuXczh lnL;
çca/k funs'kd] es?kky; ,llhch
9 Jh Mh jes'k flUgk lnL;
iwoZ eq[; egkçca/kd]
iwoZorhZ ,WidkWc
10 Jh Hkhek lqcze.;e] LFkk;h fuea=.k
çca/k funs'kd] uS¶ld‚c
Jh ts ,l gue'ksêh la;kstd
mi funs'kd] uS¶ld‚c
Jh p- f'ko dksVs'oj jko] iwoZ lhbZvks] izfrosnd
gSnjkckn] dkdhukMk] esMd Mhlhlhch
• lfefr dh lanHkZ dh 'krsaZ

i½ fofHkUu jkT;ksa esa ih,lh,l esa deZpkfj;ksa dh HkrhZ] lao/kZu] LFkkukarj.k bR;kfn ij vka/kz çns'k ljdkj ] ukckMZ ]
vkjchvkbZ }kjk fu;qä lfefr }kjk çLrqr fjiksVZ lfgr ekStwnk vf/kfu;e çko/kkuksa] funsZ'kksa] fn'kkfunsZ'kksa vkSj
jkT; ljdkjksa ds vkns'kksa dk v/;;u djuk vkSj ih,lh,l esa dSMj flLVe dk v/;;u ¼fofHkUu dSMjksa esa
vko';d ;ksX;rk½] osru lajpuk bR;kfn ds v/;;u lfgr ,d rdZlaxr uhfr <kapk dk lq>ko nsuk A
ii½ lk[k dkjksckj dh ek=k] nh tkus okyh vU; lsok,¡ ] ykHkçnrk] ifjpkyu O;; bR;kfn dks /;ku esa j[krs gq,
ih,lh,l dh fofHkUu Jsf.k;ksa esa deZpkfj;ksa dh la[;k ds ekunaMksa dk lq>ko nsukA ih,lh,l dks eYVh lfoZl
lsaVj esa ifjofrZr djus ds fy, ukckMZ dh tkjh igy Hkh ih,lh,l ds fy, ,pvkj uhfr dk lq>ko nsrs le;
dkjd gks ldrh gS A
iii½ ekStwnk fo'ks"k mi&dkuwuksa dk v/;;u djuk vkSj vf/kfu;e ds çko/kkuksa] ukckMZ fn'kkfunsZ'k bR;kfn ds vuq:i
lHkh dSMjksa ds fy, leku lsok fu;eksa dk lq>ko nsukA
iv½ dEI;wVjhdj.k dh orZeku fLFkfr] ih,lh,l esa dEI;wVjhdj.k dh vko';drk vkSj nk;js dk v/;;u djuk] vkSj
deZpkfj;ksa dh la[;k ij blds laHkkfor çHkko dh ds fy,A
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55 TH ANNUAL REPORT
v½ ih,lh,l deZpkfj;ksa ds fy, ,d lqLi"V dkjfdnZxh ds ekxZ dk lq>ko nsukA
vi½ ih,lh,l deZpkfj;ksa ds fy, çkIr çf'k{k.k ç.kkyh dk v/;;u dju vkSj ih,lh,l dh mHkjrh O;kolkf;d
t:jrksa dks iwjk djus vkSj deZpkfj;ksa dh dfj;j çxfr dk [;ky j[kus ds fy, ,d lqLi"V çf'k{k.k uhfr dk
lq>ko nsukA
vii½ cfg: lzksru dh vko';drk vkSj fodYiksa dk v/;;u djuk vkSj mu xfrfof/k;ksa dh igpku djuk ftudk
cfg: lzksru fd;k tk ldrk gS A
viii½ ih,lh,l ds fy, lq>kbZ xbZ ,pvkj uhfr dks ykxw djus ds fy, mfpr ra= dk lq>ko nsuk vkSj blds vk/kkj ij
fuckZ/k vuqikyu lqfuf'pr djukA
ix½ fuEufyf[kr jkT;ksa esa ih,lh,l }kjk viukbZ xbZ loksZÙke çFkkvksa dk v/;;u djuk vkSj ih,lh,l dks etcwr
djus ds mik;ksa dk lq>ko nsuk :
¼a½ e/; & mÙkj çns'k ¼b½ mÙkj & >kj[kaM; ¼c ½ mÙkj iwoZ& es?kky;; ¼d½ if'pe& egkjk"Vª; ¼e ½ iwoZ&
vksfM'kk; ¼f½ nf{k.k dsjyA
9-4-2-10 tqykbZ 2017 dks ubZ fnYyh esa ukckMZ }kjk vk;ksftr lgdkjh cSadksa ds O;kikj ds fodkl ds fy, jk"Vªh; leh{kk cSBd ds
fy, çLrqr eqís
jk"Vªh; leh{kk cSBd ¼ us'kuy fjO;w ehV½ dh iwoZ la/;k ij ukckMZ dks fuEufyf[kr eqís çLrqr fd, x, Fks:
Ø-la- Ekqís
1 o"kZ 2017&18 ds fy, ukckMZ dh y?kq vof/k ¼ ekSleh —f"k dk;Z ½ iqufoZÙk uhfr ij 'kh?kz dk;Zokgh dh vko';drk
gSA
2 ,llhch vkSj Mhlhlhch esa f'kdk;rksa gsrq ekStwnk çdks"Bksa ds çHkko dk vkdyu djuk vkSj yksdiky ;kstuk ds
fo"k; esa vf/kd xgjkbZ ls v/;;u djus dh vko';drk gS
3 lHkh ik= jkT; lgdkjh cSadksa vkSj ik= ftyk e/;orhZ lgdkjh cSadksa dks vuqlwfpr fLFkfr nsus gsrq ukckMZ ds
gLr{ksi dh vko';drk gS A
47
NAFSCOB
4 dqy —f"k _.k forj.k esa viuk fgLlk c<+kus ds fy, y?kq vof/k lgdkjh _.k lajpuk ¼,lVhlhlh,l½ dks
mi;qä leFkZu dh vko';drk gSA
5 rduhdh :i ls vuqikyu djus ds fy, ,llhch vkSj Mhlhlhch dks foÙkh; lgk;rk dh vko';drk gSA
6 ih,lh,l ds lkFk&lkFk ,llhch vkSj Mhlhlhch ds dEI;wVjhdj.k ds fy, ukckMZ ls foÙkh; lgk;rk ij fopkj
djus vkSj lhch,l eap ij ekbxzs'ku ds fy, ekxZ ç'kLr djus dh vko';drk gSA
7 ,lVhlhch / Mhlhlhch esa tksf[ke çca/ku uhfr ds dk;kZUo;u dh fLFkfr dh leh{kk djuk
8 ,llhch / Mhlhlhch esa lwpuk lqj{kk uhfr ds dk;kZUo;u dh fLFkfr dh leh{kk djuk
9 cSadksa dks C;kt vuqnku ;kstuk dk çHkko & Jh ;w lh lkjaxh dh v/;{krk esa"y?kq vkSj lhekar fdlkuksa dks yf{kr
_.k esa lq/kkj ds fy, O;ogk;Z mik; / fodYi lq>k, tkus ds fy, lfefr" dh fjiksVZ dh eq[; fo'ks"krk,a &.
10 ,llhch vkSj Mhlhlhch ds fy, ekuo lalk/ku uhfr% fLFkfr
11 Mhlhlhch }kjk vk;ksftr fufnZ"V cSad uksV% mfpr –f"Vdks.k viukus dh vko';drk gS
12 'ØsfMV e‚fuVfjax O;oLFkk' ¼lh,e,½ ds rgr ,Dlikstj ekunaMksa esa NwV dh vko';drk gSA
13 ,llhch vkSj Mhlhlhch }kjk mfpr O;kolkf;d foLrkj vkSj foÙkh; lekos'ku lqfuf'pr djus ds fy, ubZ
'kk[kkvksa / foLrkj dkmaVj [kksyus ds ekunaMksa esa la'kks/ku ij fopkj djukA
14 u, ?kjksa dh [kjhn / fuekZ.k ds mís'; ds fy, vkokl _.k ds fy, ,llhch vkSj Mhlhlhch ds fy, fu/kkZfjr
,Dlikstj ekunaMksa esa la'kks/ku ij fopkj djus ds fy,A
15 flMch }kjk ykxw ekbØks ,aM Le‚y ,aVjçkbt ¼lhthVh,e,lbZ½ ds fy, ØsfMV xkjaVh QaM VªLV ds rgr lnL;
_.k laLFkkuksa ¼,e,yvkbZ½ ds :i esa lHkh lgdkjh cSadksa dks 'kkfey djus dh vko';drk gSA
16 fo'ks"k :i ls xSj&vuqlwfpr jkT; lgdkjh cSadksa ds fy, ljdkjh xkjaVh dh l'krZrk dks nwj djus dh vko';drk
gSA
17 vk;dj vf/kfu;e] 1961 dh /kkjk 80 ih dh cgkyh dh ekax djus ds fy, ukckMZ gLr{ksi dh vko';drk gSA
9-4-3- ekStwnk #- 500/ & vkSj 1000/ & ewY; ds fofufnZ"V cSad uksVksa dh dkuwuh fLFkfr dks okil ysus ls mRiUu gksus okys eqíksa
gsrq &uS¶ld‚c }kjk Kkiu :
uS¶ld‚c us Hkkjr ds ekuuh; ç/kkuea=h] dsaæh; foÙk ea=h] vkjchvkbZ ds jkT;iky vkSj ukckMZ ds v/;{k dks viuk Kkiu
lkSaik vkSj Mhlhlhch dks fofufnZ"V cSad uksVksa ds fofue;/tek esa Hkkx ysus dh vuqefr nsus dk vuqjks/k fd;kA tSlk fd uS¶ld‚c ds
funs'kd eaMy }kjk çLrko fn;k x;k Fkk] M‚- paæiky flag ;kno th] lkaln ¼jkT; lHkk½ vkSj v/;{k] ,ulh;wvkbZ ds usr`Ro esa ,d
çfrfuf/keaMy us Jheku ekuuh; dsaæh; ea=h v#.k tsVyh dks Mhlhlhch dks ,lch,u ;kstuk ds vknku&çnku / tek esa 'kkfey
48
55 TH ANNUAL REPORT
djus vkSj uksVcanh dh xSj&ç;ksT;rk vkSj çHkko ij 05 fnlacj 2016 dks ubZ fnYyh esa Kkiu lkSaik A çfrfuf/keaMy esa uS¶ld‚c ds
v/;{k Jh fnyhi la?kkuh] M‚- chtsaæ flag] iwoZ v/;{k] vkSj jk"Vªifr fnYyh ,llhch; Jh oh-ih- flag] iwoZ v/;{k] ,ulh;wvkbZ vkSj
lnL;] xofuaZx dkmafly] ,ulh;wvkbZ; Jh Hkhek lqczã.;e] çca/k funs'kd] uS¶ld‚c vkSj xqtjkr ds ,llhch ds v/;{k Jh
vt;HkkbZ ,p iVsy 'kkfey FksA
blh dM+h esa ] v/;{k] us i= la[;k ,u,Q,Qlhvksch / Mhvks /th &3 / 2017&18 / 72 ds }kjk 18&05&2017 dks ekuuh;
dsaæh; foÙk ea=h us Mhlhlhch dks muds ikl tek fofufnZ"V cSad uksVksa dks tek djus vkSj foÙkh; iru ls cpkus dh vihy dhA
Hkkjr ljdkj us 20 twu] 2017 dks vius jkti= vf/klwpuk la- th,lvkj 611 ¼bZ½ ds ek/;e ls ,lch,u fu;e] 2017 ds rgr
¼cSad] Mkd?kj vkSj Mhlhlhch }kjk tek½ dks 10 uoacj ls 14 uoacj 2016 dh vof/k ds Hkhrj vius xzkgdksa ls Lohdkj fd, x,
,lch,u tek djus ds fy, Mhlhlhch dks vuqefr nh A ,lch,u fu;eksa ds 'kq: gksus ls 30 fnuksa ds Hkhrj vkjchvkbZ ds fdlh Hkh
dk;kZy; esa vius Lrj ij Mhlhlhch tek dj ldrs Fks A gkykafd] Mhlhlhch ds ekeys esa HksnHkkoiw.kZ –f"Vdks.k j[kk x;k A tcfd
30 fnlacj 2016 dks ;k mlls igys vius xzkgdksa ls cSadksa vkSj / ;k Mkd?kjksa }kjk Lohdkj fd, x, ,lch,u dks vkjchvkbZ ds fdlh
Hkh dk;kZy; esa tek djus dh vuqefr gS] vius xzkgdksa ls Mhlhlhch }kjk Lohdkj fd, x, ,lch,u 10 ls 14 uoacj 2016 dh vof/k
ds Hkhrj dks gh tek djus dh vuqefr nh xbZ A
,sls fofufnZ"V cSaduksV tks uoacj 8 2016 ls ysunsu ds }kjk fy, x, ysfdu tek ugha gq, ] Hkkjrh; fjtoZ cSad us mUgsa
tek djus gsrq vik= ?kksf"kr dj fn;k A vkjchvkbZ ds 29 twu] 2017 ds ifji= ds }kjk yxkbZ xbZ ;g l'krZrk U;k;laxr vkSj
xzkeh.k fodkl vkSj foÙkh; lekos'k ds fy, _.k ds vklku çokg dks lqfuf'pr djus ds fy, dke dj jgh Mhlhlhch ds fgr esa
mfpr ugha gSA
v/;{k] uS¶ld‚c us 30&06&2017 ds i= ds vuqlkj ekuuh; dsaæh; foÙk ea=h ls vuqjks/k fd;k fd vkjchvkbZ dks
çkFkfedrk ds vk/kkj ij bl l'krZrk dks okil djus dh lykg nh tk, vkSj Mhlhlhch dks 8 uoacj] 2016 ds var rd muds }kjk
vk;ksftr ,lch,u tek djus dh vuqefr nsa vkSj mlh i= dh ,d çfr jkT;iky] vkjchvkbZ vkSj ukckMZ ds v/;{k dks Hksth xbZ gSA
uS¶ld‚c us 17&07&2017 ds vius i= ds ek/;e ls ,d ckj fQj ekuuh; dsaæh; foÙk ea=h ls vuqjks/k fd;k fd vkjchvkbZ dks
çkFkfedrk ds vk/kkj ij bl l'krZrk dks myV nsa vkSj Mhlhlhch dks 8 uoacj] 2016 ds djhc muds }kjk fy, x, ,lch,u tek
djus nsaA
gkykafd] 8 uoacj 2016 dks ,lch,u ¼1]47-53 djksM+ #i;s½ ds cdk;k vkSj Mhlhlhch }kjk vkt rd vkjchvkbZ ds fdlh
Hkh dk;kZy; esa Mhlhlhch }kjk foÙkh; o"kZ 2017&18 dks can djus ls igys tek djus dh vuqefr ugha gS A bl laca/k esa v/;{k]
49
NAFSCOB
uS¶ld‚c us i= la[;k ,u,Q,Qlhchch / th &3 / 2017&18 / 443 ds vuqlkj 20&03&2018 fnukafdr ekuuh; dsaæh; foÙk ea=h
ls vuqjks/k fd;k fd os jkT;iky] vkjchvkbZ dks rRdky çHkko ls viuh l'krZrk dks myV nsaA Mhlhlhch dks lgdkjh cSadksa ds fgr esa
gkfu çko/kku djus ls jksdus ds fy, foÙkh; o"kZ 2017&18 ds ckn ;k mlls igys 08 uoacj] 2016 ls muds }kjk vk;ksftr ,lch,u
tek djus dh vuqefr nsus ds fy,A
9-4-4- o"kZ 2018&19 ds fy, dsaæh; ctV dh iwoZ la/;k ij ekuuh; dsaæh; foÙk ea=h dks çkFkfedrk ds eqíksa ij Kkiu:
v/;{k] uS¶ld‚c us dsaæh; foÙk ea=h 2017&18 esa laHkkfor fuxeu ds fy, fuEufyf[kr eqíksa dks gy djus ds vuqjks/k ds
lkFk dsaæh; foÙk ea=h dks ,d Kkiu çLrqr fd;k:
i½ vk;dj&laca/kh eqís & fopkj ds fy,

d½ vk;dj vf/kfu;e] 1961 dh /kkjk 80 ih dh cgkyh dh vko';drkA
[k½ vk;dj vf/kfu;e] 1961 dh /kkjk 80 lh ¼xxi½ & xSj vuqlwfpr lgdkjh cSadksa ds ikl tek jkf'k
dj&dVkSrh gsrq ik= tekvksa esa 'kkfey djuk A
x½ vk;dj vf/kfu;e] 1961 dh /kkjk 194 v ds çko/kkuksa ls ,llhch vkSj Mhlhlhch dks NwV nsus dh
vko';drk A
ii½ ftyk e/;orhZ lgdkjh cSadksa ¼Mhlhlhch½ ij foeqæhdj.k ds çfrdwy çHkko
iii½ çkFkfed —f"k lk[k lfefr;ksa ¼ih,lh,l½ dk daI;wVjhdj.k
iv½ ra=Kku dh –f"V ls vuqdwy cuus ds fy, jkT; lgdkjh cSadksa ¼,llhch½ vkSj Mhlhlhch dks foÙkh; lgk;rk dh
vko';drk gSA
v½ lgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk ,lVhlhlh,l dks vuq'kaflr iqu#)kj iSdst dh rtZ
ij Mhlhlhch dks iquiwaZthdj.k lgk;rk c<+kus dh vko';drk
vi½ C;kt vuqnku dh leh{kk] la'kks/ku vkSj iquxZBu dh vko';drk gS
9-4-5 uS¶ldkWc okf"kZd loksZre izn’kZu iqjLdkj 2015&16 &
uS¶ld‚c us mR—"V dk;Z djus okys ns'kHkj ds jklcSadksa ] ft-e-l-cSadksa ,oa çkFkfed —f"k lk[k lfefr;ksa ds fy, okf"kZd
dk;Z çn'kZu iqjLdkjksa dh ;kstuk 'kq: dh A lnL; jkT; lgdkjh cSadksa ds fy, loksZR—"V çn'kZu iqjLdkj dh ;kstuk 1982&83 esa
gh 'kq: dj nh xbZ FkhA rnksijkar] o"kZ 1998&99 esa uS¶ld‚c us 'loksZR—"V dk;Z djus okyh çk-—-l-l- dks lqHkk"k ;kno iqjLdkj'
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55 TH ANNUAL REPORT
;kstuk 'kq: dhA vkxs] uS¶ld‚c us ' ft-e-l-cSadksa ds fy, Hkh loksZR—"V dk;Z çn'kZu iqjLdkj ;kstuk,¡' o"kZ 2008&09 esa 'kq: dh A
lkFk gh ]d`-l-d-iz- laLFkkvksa dk izsjd izf”k{k.k iznku djus] {kerk fuekZ.k ds iz;klksa dh fn”kk es izf’k{k.k nsus] lgdkfjrk ds {ks= es
dfeZ;ksa dh dq”kyrk c<kus] usr`Ro fodkl ,oa ekuo lal/kku izca/ku ,oa fodkl esa ;ksxnku dh ljkguk djus ds fy, uS¶ldkWc us
2012 esa izf’k{k.k laLFkkvksa ds fy, *loksZRre iqjLdkj * dh ?kks"k.kk dh A bl iqjLdkj esas ,d VkªWQh funsZ”kd@izkpk;kZ dk ,d
ljkgukck/kd Lekfjd ,oaizek.k i= fn;k tkrk gSA fotsrk izf”k{k.k laLFkkuksa o”kZ 2012&13] 2013&14] 2014&15 ds iqjLdkj fn, tk
pqds gSA uS¶ldkWc us ;g ;kstuk 2015&16 gsrq Hkh tkjh j[kus dk fu.kZ; fy;kA uS¶ldkWc }kjk gh fu.kZ;kd iap ¼twjh½ dk xBu fd;k
x;k gSA iap ds lnL;ksa us mu lwpdks dh leh{kk dh ftUgs izn”kZu ds fy, /;ku es j[kk x;k] MkVk fo”ys’k.k dh fof/k;ksa ,oa dzeokj
izfdz;k dh Hkh leh{kk dhA lwpdks dh leh{kk ,oaizys[k laLFkk dks feys vdksa ds vk/kkj ij fuEuakfdr] izf”k{k.k laLFkkvksa dks *loksZre
izf”k{k.k iq:Ldkj* 2015&16 ds fy, pquk x;k ftls funsZ”kd eaMy us ekU;rk nhA okf"kZd çn'kZu iqjLdkjksa dk mís'; cSadksa ds chp
,d lkFkZd vkSj LoLFk çfrLi/kkZ dks c<+kok nsuk vkSj muds dkedkt dks c<+kok nsuk gSA fotsrk ,llhch vkSj Mhlhlhch ds fy,
okf"kZd çn'kZu iqjLdkj] loZJs"B çn'kZu okys ih,lh,l ds fy, lqHkk"k ;kno iqjLdkj vkSj fotsrk ,lh,lVhvkbZ ds fy, loZJs"B
çn'kZu iqjLdkj rfeyukMq ljdkj ds lgdkj ea=h fFk# lsywj ds jktw vkSj fFk# Mh t;dqekj] ekuuh; ea=h eRL; ikyu] foÙk]
dkfeZd vkSj ç'kklfud lq/kkj] rfeyukMw ljdkj us çnku fd, A 11 vxLr] 2017 dks psUubZ] rfeyukMq esa ,d fo'ks"k dk;ZØe esa
fuEufyf[kr ,llhch] Mhlhlhch vkSj ih,lh,l dks ;s iqjLdkj çnku fd, x, A
jk-l-cSadksa dks okf"kZd dk;Z fu"iknu iqjLdkj 2015&16

lexz dk;Z&fu"iknu iqjLdkj & III Js.kh ¼2015&16½
daz iqjLdkj jkT; lgdkjh cSad dk uke
1 izFke fgekpy izns’k jkT; lgdkjh cSad e;kZ- f'keyk ]
2 f}rh; vksfM'kk jkT; lgdkjh cSad e;kZ- Hkqcus'oj
3 r`rh; rfeyukMw jkT; lgdkjh cSad e;kZ- psUubZ
lexz dk;Z&fu"iknu iqjLdkj & II Js.kh ¼2015&16½

dza iqjLdkj jkT; lgdkjh cSad dk uke
1 izFke vaMeku ,oa fudksckj jkT; lgdkjh cSad e;kZ- iksVZ Cys;j
2 f}rh; flfDde jkT; lgdkjh cSad e;kZ- rkMksax
o”kZ 2015&2016 ds fy;s fo”ks’k iqjLdkj& III Js.kh
oxZ iqjLdkj jkT; lgdkjh cSad dk uke
oxZ I lalk/ku fodkl gfj;k.kk jk-l-cSa- e;kZ] paMhx<]
51
NAFSCOB
oxZ III olwyh dk;Z fu"iknu vka/kz çns'k jkT; lgdkjh cSad e;kZ] fot;okM+k
oxZ V foosdiw.kZ egkjk"Vª jkT; lgdkjh cSad e;kZ] eqEcbZ
ekunaMks dk vuqikyu
oxZ VI ykHkçnrk mÙkj çns'k jkT; lgdkjh cSad e;kZ] y[kuÅ
oxZ VII dkiksZjsV dukZVd jkT; lgdkjh cSad e;kZ] csaxqyq#
‘kklu ,oa izca/ku izn’kZu
oxZ IX jk-l-cSa- dh xqtjkr jkT; lgdkjh cSad e;kZ] vgenkckn
usr`Ro esa Hkwfedk
II okf"kZd izn’kZu iqjLdkj% ftyk e/;orhZ lgdkjh cSad 2015&16

iqjLdkj cSad dk uke
izFke iqjLdkj Hkksiky ftyk e/;orhZ lgdkjh cSad e;kZfnr] Hkksiky] e/; çns'k
f}rh; iqjLdkj n vgenkckn ftyk e/;orhZ lgdkjh cSad e;kZ- vgenkckn] xqtjkr
n djheuxj ftyk e/;orhZ lgdkjh cSad e;kZ- djheuxj ]rsyaxkuk
r`rh; iqjLdkj n —".kk ftyk e/;orhZ lgdkjh cSad e;kZ- eNyhiVue ] vka/kz çns'k
fo'ks"k iqjLdkj n lyse ft- e/;orhZ -l- cSad- e;kZ]- lyse ] rfeyukMw
III loksZre izn”kZu ds fy, izk-d`-lk- lfefr ¼PACS½ ds fy, ^lqHkk”k ;kno iqjLdkj*
iqjLdkj izk-d`-lk- lfefr dk uke 2015&16
izFke ckgyk xzke lsok lgdkjh lfefr e;kZ- ] cgkyk jkex<+ ] ft- vyoj ] jktLFkku
f}rh; iqjLdkj Jh dksBh lsok lgdkjh eaMyh e;kZ- ] dksBh ] okadkusj ] ft- ekschZ ] xqtjkr
r`rh; iqjLdkj n rybZ th/,l lgdkjh lfefr e;kZ-] rybZ ] >kUnqÙk] ft- fcykliqj ]
fgekpy çns'k
IV. d`-l- deZpkjh izf’k{k.k laLFkkvksa ¼ ACSTI ½ dks loksZre izn’kZu iqjLdkj&
daz iqjLdkj izf’k{k.k laLFkkvksa dk uke
1 izFke —f"k lgdkjh deZpkjh çf'k{k.k laLFkku ¼,lh,lVhvkbZ½ iatkc
2 f}rh; —f"k lgdkjh deZpkjh çf'k{k.k laLFkku ¼,lh,lVhvkbZ½ fgekpy çns'k
3 r`rh; —f"k lgdkjh deZpkjh çf'k{k.k laLFkku ¼,lh,lVhvkbZ½ rfeyukMw
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55 TH ANNUAL REPORT
9-5 uS¶Ldksc ds okf"kZd vke fudk;] fo'ks"k vke fudk;] funs'kd eaMy ,oa dk;Zdkjh dh cSBdsa :
v okf"kZd vke fudk;%
uS¶Ldksc dh 54oh okf"kZd vke lHkk 10 vxLr 2017 dks psUubZZ rfeyukMw esa vk;ksftr dh xbZ FkhA lkekU; fudk; dh
cSBd esa vU; eqíksa ds lkFk&lkFk ] fuEufyf[kr dh ppkZ gqbZ%
i) 19 flracj 2016 dks eqacbZ esa vk;ksftr uS¶Ldksc dh 53oha okf"kZd vke cSBd dh dk;Zokgh dh iqf"V dhA
ii) o"kZ 2016&2017 ds fy, uS¶Ldksc ds ys[kk ijh{kdksa dh fjiksVZ vkSj ys[kk ijh{kdksa dk fooj.k ekuk vkSj vuqeksfnr
fd;k vkSj ys[kk ijh{kdksa }kjk fd, x, fVIif.k;ksa ij vuqikyuA
iii) o"kZ 2016&2017 ds fy, uS¶Ldksc dh pkSiuoha okf"kZd fjiksVZ ij fopkj djuk vkSj vuqeksnu djuk A
iv) uS¶Ldksc ds dke dh leh{kk dh vkSj o"kZ 2017&2018@nh?kZdkfyd ifjçs{; ;kstuk vkSj okf"kZd ifjpkyu
;kstuk ds fy, xfrfof/k;ksa ds dk;ZØe rS;kj djuk
v) o"kZ 2017&2018 ds fy, vk; vkSj O;; dk okf"kZd ctV dk fopkj vkSj vuqeksnu
vi) lo"kZ 2017&2018 ds fy, uS¶Ldksc ds [kkrksa ds lkafof/kd ys[kk ijh{kk ds fy, ys[kk ijh{kd fu;qä djuk vkSj
mudk ikfjJfed r; djukA
vii) mu deZpkfj;ksa dh lwph cukuk tks cksMZ ds lnL;ksa ;k eq[; dk;Zdkjh vf/kdkjh ds fj'rsnkj gSaA
viii) uS¶Ldksc ds cksMZ ij funs'kdksa dh [kkyh fLFkfr ds fy, pquko fd;kA
c½ funs'kd eaMy%
uS¶Ldksc ds funs'kd eaMy us 1 vçSy] 2017 ls ekpZ 31] 2018 rd o"kZ ds nkSjku pkj ckj viuh cSBd vk;ksftr dh] tSlk
fd uhps crk;k x;k gS%
frfFk LFkku
27 vçSy] 2017 eqacbZ] egkjk"Vª
vxLr 10 ] 2017 psUubZ] rfeyukMw
uoacj 23 2017 iksVZ Cys;j] vaMeku ,oa fudksckj }hi
ekpZ 13 2018 eqacbZ] egkjk"Vª
uS¶Ldksc ds funs'kd eaMy dh cSBdksa us fofHkUu egRoiw.kZ uhfr;ksa vkSj ifjpkyu laca/kh eqíksa ij ppkZ dh vkSj lgdkjh
lfefr;ksa] lg;ksx] xzkeh.k _.k] —f"k] cSafdax] ft-e-l-cSad ij foeqæhdj.k ds çHkko vkfn ls lacaf/kr ekeyksa ij ppkZ dhA
vYidkfyd lgdkjh _.k lajpuk dh fLFkfr dh leh{kk djus ds fy,] vkSj fofHkUu uhfrxr QSlyksa vkfn ls mHkjus okys eqíksa dks
53
NAFSCOB
lacksf/kr djus ds fy, mi;qä j.kuhfr;ksa dk fodkl djuk mfpr gSA cksMZ ds xSj&lnL;ksa ds lkFk funs'kd eaMy dh baVj&Qsl
cSBdksa] tSls jk-l-cSadds v/;{k vkSj eq[; dk;Zdkjh Hkh lwphc) ,tsaMs ij fopkj @ fopkjksa vkSj foLr`r ppkZ ds çHkkoh vknku çnku
dh lqfo/kk ds fy, vk;kstu fd;k x;k FkkA
o"kZ 2016&2017 ds nkSjku funs'kd eaMy dh cSBdksa esa ppkZ dh xbZ dqN egRoiw.kZ uhfr vkSj lapkyu laca/kh eqís gSa
• 27 vçSy 2017] eqacbZ] egkjk"Vª%
i½ vkfFkZd losZ{k.k 2016&17 dh eq[; fo'ks"krk,aA

ii) o"kZ 2017&18 ds fy, dsaæh; ctV dh eq[; ckrsa vkSj blds çHkko ij fopkj djuk A
iii) vkjchvkbZ ds 2016&17 ds NVosa f}&ekfld ekSfæd uhfr oäO;
iv) cSad [kkrksa vkSj ,Vh,e ls udn fudklh dh lhek dh cgkyhA
v) vkjchvkbZ }kjk ç/kku ea=h xjhc dY;k.k tek ;kstuk ¼ih,ethdsMh,l½] 2016 ds laca/k esa tkjh Li"Vhdj.kA
vi) eqacbZ esa 02 ekpZ 2017 dks ukckMZ }kjk lwpuk çkS|ksfxdh] foÙkh; lekos'ku vkSj O;kikj fodkl ij jkT; lgdkjh
cSadksa dh jk"Vªh; cSBd dk vk;kstu
vii) ekSleh —f"k lapkyu ¼,l,vks½ ds foÙkiks"k.k ds fy, ,llhch dks ukckMZ }kjk vYi vof/k ¼,lVh½ iqufoZÙk ds
çko/kku ds fy, o"kZ 2016&17 ds fy, vfrfjä iqufoZÙkA
viii) vk;dj çkf/kdj.k }kjk mBk, x, voSrfud ekax ds f[kykQ çko/kku ds laca/k esa lykgdkjA
ix) ,U'kq;j ds rgr #is fdlku dkMZ ¼vkjdslhlh½ ls lacaf/kr MsVk tek djus vkSj ,U'kq;j iksVZy ds ek/;e ls tek
djus ds fy, 'fe'ku% #is fdlku dkMZ' ds fy, MsVk Hkjus ds fy, la'kksf/kr funsZ'kksa ds laca/k esa ukckMZ }kjk tkjh
Li"Vhdj.kA
x) ukckMZ us ,U'kq;j iksVZy dk mi;ksx djrs gq, ,llhch / Mhlhlhch }kjk "fMftVy Qkbusaf'k;y fyVjslh
tkx:drk dk;ZØe" ¼Mh,Q,y,ih½ ds vk;kstu dh fjiksVZ djus dk fu.kZ; fy;kA
xi) Vk;j 5 vkSj fV;j 6 dsaæksa lh,ih,Dl vkSj vksisDl e‚My esa ihvks,l e'khuksa dh rSukrh ds fy, foÙkh; lekos'ku
QaM ¼,QvkbZ,Q½ ds rgr leFkZu ds fy, ukckMZ }kjk tkjh fd, x, la'kks/ku vkSj Li"Vhdj.kA ¼,oa vfrfjä
Li"Vhdj.k Hkh½
xii) ,U'kq;j iksVZy ds ek/;e ls tek djus ds fy, Vk;j 5 vkSj 6 dsaæksa esa ihvks,l / ,eihvks,l midj.kksa dh rSukrh
ds fy, MsVk Hkjus ds fy, ukckMZ ds funsZ'kA
xiii) cSafdax fofu;eu vf/kfu;e] 1949 ¼,,lh,l½ esa çko/kkuksa ds rgr v‚uykbu ,u'kq;j iksVZy ds ek/;e ls
v‚uykbu fjVuZ tek djus ds fy, ukckMZ ds funsZ'k A
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55 TH ANNUAL REPORT
xiv) fo'o cSad }kjk çdkf'kr —f"k O;olk; dks l{ke djus ij fjiksVZ 2017 dh eq[; fo'ks"krk,aA
xv) lgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdst
ds dk;kZUo;u dh fLFkfrA
xvi) C;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd _.k @7 çfr'kr ls lacaf/kr fLFkfr vkSj eqísA
xvii) jkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djus dh fLFkfrA
xviii) uS¶ld‚c }kjk yk, x, "—f"k _.k esa lgdkjh cSadksa ds fgLls dks c<+kus ds fy, jksMeSi" ij fjiksVZ A
xix) vkjchvkbZ dk 'çFke f}&ekfld ekSfæd uhfr oäO;] 2017&18'A
xx) ukckMZ }kjk rS;kj vkn'kZ lgdkjh yksdiky ;kstukA
xxi) vYi vof/k ¼vU;½ ds rgr fofHkUu ç;kstuksa ds foÙkiks"k.k ds fy, y?kq vof/k ¼,lVh½ iqufoZÙk ds çko/kku & o"kZ
2017&18 ds fy, ukckMZ dh uhfrA
xxii) dsaæh; dsokbZlh fjd‚MZ~l jftLVªh ds lapkyu ds fy, ukckMZ ls xzkeh.k lgdkjh cSadksa vkSj vkjvkjch ls foÙkh;
lekos'ku QaM ls foÙkh; lgk;rkA
xxiii) 2017&18 ds fy, ;kstukc) _.k ij jkT; lgdkjh cSadksa ds fy, ukckMZ dh iqufoZÙk uhfrA
xxiv) ukckMZ ds ek/;e ls ekfxZr ,e,uvkjbZ dh lfClMh ;kstukvksa ds can gksus ij dV v‚Q MsV dk foLrkj& flapkbZ
ç;kstu vkSj ,e,uvkjbZ çdk'k ;kstuk 2016 ds fy, lkSj QksVksoksfYVd ty ifEiax flLVe dks c<+kok nsus ds
fy, iwath vuqnku ;kstuk & lkSj QksVksoksfYVd çdk'k ç.kkfy;ksa dh LFkkiuk ds fy, iwath vuqnku ;kstuk & 18
vçSy 2017 rdA
xxv) foÙkh; lk{kjrk dk;ZØeksa ds vk;kstu ds fy, foÙkh; lekos'ku QaM ¼,QvkbZ,Q½ ds rgr vuqnku lgk;rk &
py jgh ;kstukvksa dh leh{kk
• 10 vxLr] 2017] psUubZ] rfeyukMq:
i) foÙk ea=ky; }kjk tkjh jkti= vf/klwpuk ds vuqlkj Mhlhlhch dks vkjchvkbZ ds fdlh Hkh dk;kZy; esa vius
xzkgdksa ls Lohdkj fd, x, ,lch,u tek djus dh vuqefr gSA
ii) 1 tqykbZ 2017 dks Hkkjr ljdkj }kjk 'kq: dh xbZ oLrq vkSj lsok dj ¼th,lVh½ dh fo'ks"krk,aA
iii) Hkkjrh; fjtoZ cSad dk nwljk f}&ekfld ekSfæd uhfr oäO;] 2017&18A
iv) cSafdax fofu;eu vf/kfu;e] 1949 dh /kkjk 24 vkSj /kkjk 56 ds rgr oS/kkfud rjyrk vuqikr ¼,l,yvkj½ ds
j[kj[kko ds laca/k esa vkjchvkbZ }kjk tkjh ifji=A
v) lgdkjh cSadksa }kjk çhisM isesaV baLVªwesaV~l tkjh djus ds fy, fu;ked vko';drkvksa ds laca/k esa vkjchvkbZ dk
ifji= A
55
NAFSCOB
vi) us'kuy bysDVª‚fud QaM VªkalQj ¼,ubZ,QVh½ ç.kkyh ds rgr vk/ks ?kaVs ds varjky ij fuiVku ds laca/k esa
vkjchvkbZ ds fn'kkfunsZ'kA
vii) dkMZ ysunsu ds fy, O;kikjh vf/kxzg.k ij vkjchvkbZ }kjk tkjh fd, x, fn'kkfunsZ'kA
viii) ekSleh —f"k lapkyu ¼,l,vks½ ds foÙkiks"k.k ds fy, jkT; lgdkjh cSadksa dks y?kq vof/k ¼,lVh½ iqufoZÙk ds
çko/kku ij o"kZ 2017&18 ds fy, ukckMZ dh uhfrA
ix) ,l,vks dks foÙk iks"k.k ds fy, ukckMZ }kjk ,llhch dks vfrfjä 'k‚VZ VeZ ¼,lVh½ iqufoZÙk ds laca/k esa lnL;
,llhch ls çkIr çfrfØ;kA
x) ykax VeZ :jy ØsfMV QaM 2017&18 ¼,yVhvkjlh,Q½ ds rgr —f"k ds fy, fuos'k _.k ds fy, nh?kZdkfyd
iqufoZÙkA
xi) ukckMZ }kjk "Hkhe vk/kkj dh çpkj ;kstuk" dk ifjp;A
xii) ,llhch / Mhlhlhch esa lwpuk ç.kkyh ¼vkbZ,l½ ys[kkijh{kk dh fLFkfr ds laca/k esa ukckMZ }kjk tkjh ifji=A
xiii) dSisDl vkSj vksisDl e‚My ds rgr fV,j 5 vkSj fV;j 6 dsaæksa esa ihvks,l e'khuksa dh rSukrh ds fy, foÙkh;
lekos'ku QaM ¼,QvkbZ,Q½ ds rgr ukckMZ leFkZuA
xiv) lhvkj,vkj dh x.kuk ds fy, tksf[ke Hkkj ds ckjs esa Li"Vhdj.k ds laca/k esa ukckMZ }kjk tkjh ifji=A
xv) ukckMZ ds foÙkh; lekos'k fuf/k ds rgr fofHkUu ;kstukvksa ds fy, leFkZu vof/k dk foLrkjA
xvi) foÙkh; lekos'ku QaM ¼,QvkbZ,Q½ ds rgr eksckby oSu ds ek/;e ls cSafdax çkS|ksfxdh ds çn'kZu ds fy, ukckMZ
leFkZu miyC/k gSA
xvii) çk—frd vkinkvksa ls çHkkfor fdlkuksa dks jkgr mik;ksa ds fy, o"kZ 2017&18 ds fy, ukckMZ iqufoZÙk uhfr ij
fn'kkfunsZ'k & ,lVh ¼,l,vks½ _.k dk e/;e vof/k ds _.k esa :ikarj.kA
xviii) lgdkjh _.k laLFkkuksa dh 'ks;j iwath esa ;ksxnku ds fy, ukckMZ vf/kfu;e] 1981 dh /kkjk 27 ds rgr jkT;
ljdkjksa dks lkof/k _.k dh Loh—fr ij o"kZ 2017&18 ds fy, ukckMZ uhfrA
xix) jkT; ljdkj / la?k 'kkflr çns'kksa dks [kk| _.k vfxze ds fy, laifÙk oxhZdj.k vkSj çko/kkuA
xx) ,llhch / Mhlhlhch ds i;Zos{kh jsfVax ds ekunaMksa esa la'kks/kuA
xxi) foÙkh; o"kZ 2017&18 ds fy, —f"kfoKku vkSj —f"k O;olk; dsaæ ¼,lh,chlh½ ;kstuk tkjh j[kukA
xxii) o"kZ 2017&18 ds nkSjku varfje vk/kkj ij 'k‚VZ VeZ Qly _.k ds fy, C;kt vuqnku ;kstuk tkjh j[kukA
xxiii) ,lchch / Mhlhlhch }kjk ih,lh,l dEI;wVjhdj.k ij tkudkjh viyksM djus ds fy, ukckMZ ds funsZ'kA
xxiv) ljdkj çk;ksftr Qly chek ;kstuk esa çR;{k ykHk gLrkarj.k ¼MhchVh½ ds dk;kZUo;u ds laca/k esa ukckMZ dk
ifji=A
xxv) dksj cSafdax lek/kku ¼lhch,l½ ds dk;kZUo;u ds fy, xzkeh.k lgdkjh cSadksa dks ykblsal çkIr djus ds fy,
56
55 TH ANNUAL REPORT
ukckMZ ds foÙkh; lekos'k fuf/k ¼,QvkbZ,Q½ ds rgr leFkZu çkIr djus ds fy, ;ksX;rk ekunaMksa dh NwVA
xxvi) foÙkh; lk{kjrk dsaæksa ¼,Q,ylh½ vkSj xzkeh.k 'kk[kkvksa }kjk foÙkh; lk{kjrk ç;klksa dks lqfo/kktud cukus ds
fy, gkFk esa idM+s tk ldus okys çkstsDVj vkSj iksVsZcy Lihdj dh [kjhn ds fy, ukckMZ ds ,QvkbZ,Q ds rgr
vuqnku A
xxvii) " xksbax fMftVy " ds fy, foÙkh; lk{kjrk dk;ZØe vk;ksftr djus ds fy, foÙkh; lekos'ku QaM ¼,QvkbZ,Q½
ds rgr vuqnku lgk;rkA
xxviii) tSfod [ksrh ij jk"Vªh; ifj;kstuk ds rgr tSfod [ksrh dh okf.kfT;d mRiknu bdkb;ksa ds fy, iwathxr fuos'k
lfClMh ;kstuk ds fy, ukckMZ }kjk tkjh fd, x, ifjpkyu fn'kkfunsZ'kA
xxix) 31 ekpZ 2017 dks lgdkjh cSadksa ds dk;Z fu"iknu dh leh{kk ds fy, ubZ fnYyh esa 10 tqykbZ 2017 dks ukckMZ
}kjk vk;ksftr o"kZ 2017&18 ds fy, lgdkjh cSadksa dh jk"Vªh; leh{kk cSBdA
xxx) ubZ fnYyh esa 11 tqykbZ 2017 dks Lo&lgk;rk lewg vkanksyu ds 25 lky eukus ds fy, ukckMZ ds 36 osa uhao
fnol dh iwoZ la/;k ij ukckMZ }kjk vk;ksftr laxks"BhA
xxxi) lgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdst
xxxii) C;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd _.k @ 7 çfr'kr ls lacaf/kr fLFkfr vkSj eqísA
xxxiii) jkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djukA
xxxiv) ,llhch/ Mhlhlhch dks loZJs"B çn'kZu iqjLdkj nsus ij ,llhch / Mhlhlhch ls çkIr #>ku vkSj çfrfØ;kA
xxxv) 'uS¶ld‚c tuZy v‚Q :jy dksv‚ijsfVo ØsfMV ,aM cSafdax' esa vkys[kksa ds fy, foKkiu lgk;rk vkSj çfrfØ;k
xxxvi) ,llhch] Mhlhlhch vkSj ih,lh,l ds çn'kZu ij ewy MsVk dks vafre :i nsus esa ck/kk,aA
xxxvii) o"kZ 2015&16 ds fy, ,lh,lVhvkbZ dks loZJs"B çn'kZu iqjLdkjksa ds fy, twjh dh flQkfj'ksaA
xxxviii) o"kZ 2015&16 ds fy, jkT; lgdkjh cSadksa] ftyk dsaæh; lgdkjh cSadksa vkSj çkFkfed —f"k _.k lfefr;ksa dks
loZJs"B çn'kZu iqjLdkjksa ds fy, twjh dh flQkfj'ksaA
xxxix) vk/kkj vf/kfu;e] 2016 vkSj lwpuk çkS|ksfxdh vf/kfu;e] 2000 ds çko/kku ds vuqikyu ds laca/k esa ukckMZ
ifji=A
xl) fnlacj 2017 esa ubZ fnYyh esa ' y?kq vof/k lgdkjh _.k lajpuk esa #>ku/ gkfy;k fodkl ' ij jk"Vªh; lEesyu
vk;ksftr djus ds fy, mBk, x, dne
xli) vkjchvkbZ dk rhljk f}&ekfld ekSfæd uhfr oäO;] 2017&18A
57
NAFSCOB
23 uoacj] 2017% iksVZ Cys;j] vaMeku vkSj fudksckj }hi

i) vkjchvkbZ dk pkSFkk f}&ekfld ekSfæd uhfr oäO;] 2017&18A
ii) cSafdax fofu;eu vf/kfu;e] 1949 dh /kkjk 24 vkSj /kkjk 56 ds rgr cSadksa dh ,l,yvkj vko';drkvksa ds
j[kj[kko vkSj ,pVh,e Js.kh ds rgr ,l,yvkj gksfYMaXl ij Hkh dehA
iii) o"kZ 2017&18 ds nkSjku vYidkfyd Qly _.k ds fy, C;kt vuqnku ;kstuk dh eq[; fo'ks"krk,aA
iv) ukckMZ }kjk fdlku ØsfMV dkMZ ¼dslhlh½ ;kstuk ij ekLVj ldqZyj yk;k x;kA
v) ukckMZ }kjk tkjh /kks[kk/kM+h ds oxhZdj.k] fjiksfVaZx vkSj fuxjkuh ds fy, la'kksf/kr fn'kkfunsZ'kA
vi) vk/kkj O;kikj çksRlkgu ;kstuk ds fy, ch,pvkbZ,e ¼Hkkjr baVjQsl Q‚j euh½ dk foLrkjA
vii) o"kZ 2017&18 ds fy, ik= Mhlhlhch dh rjQ ls jkT; lgdkjh cSad dks vYidkfyd ¼ekSleh —f"k lapkyu½
ØsfMV lhekvksa dks eatwjh nsus okys fu;e vkSj 'krsaZ vkSj le>kSrs ds ifj.kkeLo:i KkiuA
viii) vkjchvkbZ }kjk fu/kkZfjr jkT; lgdkjh cSadksa ¼,llhch½ vkSj ftyk dsaæh; lgdkjh cSadksa ¼Mhlhlhch½ ds funs'kdksa
vkSj lhbZvks ds fy, mi;qä vkSj mfpr ekunaMA
ix) lgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdst
x) C;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd ØsfMV @ 7 çfr'kr ls lacaf/kr fLFkfr vkSj
eqísA
xi) jkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djus dh fLFkfrA
xii) ,llhch }kjk çLrqr ih,lh,l ls lacaf/kr MsVk uS¶ld‚c }kjk vxzsf"kr fd;k x;kA
xiii) 01 Qjojh 2017 dks 2017&18 ds fy, dsaæh; ctV esa ?kksf"kr ih,lh,l ds dEI;wVjhdj.k ls lacaf/kr fodkl
• eqacbZ] egkjk"Vª esa 13 ekpZ] 2018:
i) yksdlHkk esa is'k fd, x, foÙkh; lek/kku vkSj tek chek fo/ks;d 2017A
ii) vkfFkZd losZ{k.k 2017&18 dh eq[; fo'ks"krk,aA
iii) o"kZ 2018&19 ds fy, dsaæh; ctV dh eq[; fo'ks"krk,a vkSj blds çHkko ij fopkj
iv) cSafdax lq/kkj ,d u, Hkkjr ds fy, jksMeSi & lkoZtfud {ks= ds cSadksa ds iquiwaZthdj.kA
v) lgdkjh cSadksa dks vk;dj NwV ls lacaf/kr eqísA
vi) varjkZ"Vªh; fuiVku cSad }kjk çdkf'kr cSafdax i;Zos{k.k ij csly desVh ds rgr ruko ijh{k.k fl)karksa ds
lykgdkjd nLrkostA
vii) ikapok¡ vkSj NBok¡ f}&ekfld ekSfæd uhfr oäO;] vkjchvkbZ 2017&18A
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55 TH ANNUAL REPORT
viii) Hkkjr esa cSafdax dh ço`fÙk vkSj çxfr ij Hkkjrh; fjtoZ cSad dh fjiksVZ 2016&17A
ix) xzkgd laj{k.k ds laca/k esa fn'kk&funsZ'k & vkjchvkbZ }kjk tkjh vuf/k—r bysDVª‚fud cSafdax ysunsu esa lgdkjh
cSadksa ds xzkgdksa dh lhfer ns;rkA
x) vkjchvkbZ ds MsfcV dkMZ ysunsu ds fy, epsaZV fMLdkmaV jsV ¼,eMhvkj½ ds rdZlaxrdj.k ds fy, la'kksf/kr
<kapkA
xi) cSafdax i;Zos{k.k ij csly desVh ds laca/k esa varjjk"Vªh; fuiVku cSad ds lykgdkjd nLrkostA
xii) vkjchvkbZ }kjk tkjh jkT; lgdkjh cSadksa ¼,llhch½ vkSj ftyk e/;orhZ lgdkjh cSadksa ¼Mhlhlhch½ ds funs'kdksa
vkSj lhbZvks dh fu;qfä ds fy, ;ksX; vkSj mfpr ekunaM dks le>us ds fy,A
xiii) ifCyd ØsfMV jftLVªh ¼ihlhvkj½ ij mPp Lrjh; VkLd QkslZ ds rgr lgdkjh cSadksa ds mi&lewg dk lafo/kkuA
xiv) ukckMZ }kjk foÙkh; lekos'ku ,QvkbZ,Q ds rgr çek.khdj.k mi;ksxdrkZ ,tsalh ¼,;w,½ / bZ&dsokbZlh
mi;ksxdrkZ ,tsalh ¼ds;w,½ lnL;rk ds fy, leFkZuA
xv) ukckMZ }kjk rS;kj fd, x, iksLV lhch,l i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds vkdyu ds fy,
lfefr dh fjiksVZ dk lkjka'k vkSj flQkfj'kA
xvi) ukckMZ }kjk tkjh ;kstukc) m/kkj 2017&18 ds fy, ,uvkj,y,e C;kt lcosU'ku ;kstuk&iqufoZÙk uhfrA
xvii) cSad&jfgr xzkeh.k dsaæksa ¼;wvkjlh½ esa foÙkh; lk{kjrk f'kfojksa ds vkpj.k ds fy, vuqnku lgk;rkA
xviii) ch,pvkbZ,e vk/kkj ¼vf/kxzg.kdrkZ ds :i esa½ / ;wihvkbZ ds fy, v‚u&cksfMaZx vuqefr & ukckMZ }kjk tkjh
lykgA
xix) 20 yk[k ch,pvkbZ,e vk/kkj osru midj.kksa dh rSukrh ds fy, ,QvkbZ,Q ds rgr leFkZu ds fy, çkseks'kuy
LdheA
xx) ukckMZ }kjk #is MsfcV dkMZ tkjh djus ds fy, ,QvkbZ,Q ds rgr lgk;rkA
xxi) dkcZfud [ksrh ij jk"Vªh; ifj;kstuk ds rgr tSfod [ksrh dh okf.kfT;d mRiknu bdkb;ksa ds fy, iwathxr
fuos'k lfClMh ;kstuk & ,uihvks,Q ;kstuk ls xzke Lrj ij e`nk ijh{k.k ç;ksx'kkykvksa ¼LVsfVd / eksckby½ /
feuh ySCl vkSj e`nk ijh{k.k ifj;kstukvksa dks okil ysukA
xxii) ,l,l, esa eksckby flXuy cwLVj dh rSukrh ds fy, leFkZu & ,QvkbZ,Q ds rgr leFkZuA
xxiii) ,QvkbZ,Q ls bZ,eoh fpi vk/kkfjr #is fdlku dkMZ tkjh djus ds leFkZu ds laca/k esa nkoksa dks tek djus ds
fy, le;js[kk dk foLrkjA
xxiv) Vk;j 5 vkSj 6 dsaæksa esa ihvks,l / ,eihvks,l midj.kksa dh rSukrh ds fy, ,QvkbZ,Q ls leFkZu dh le;js[kk
dk foLrkjA
xxv) lgdkjh cSadksa ds fy, yach Q‚eZ v‚fMV fjiksVZ ¼,y,Q,vkj½ & tekdrkZ f'k{kk vkSj tkx:drk fuf/k ¼MhbZ,,Q½
;kstuk] 2014 ls lacaf/kr eqísA
59
NAFSCOB
xxvi) ukckMZ }kjk o"kZ 2017&18 ds fy, C;kt lcosU'ku ;kstuk ds çk:i esa la'kks/kuA
xxvii) çHkkoh ç'kklu ra= ds lk/ku ds :i esa lnL; tkx:drk fuekZ.k ds laca/k esa ukckMZ }kjk tkjh i;Zos{k.k cksMZ
¼chvks,l½ ekxZn'kZu dk vuqikyuA
xxviii) lgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdst
xxix) C;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd ØsfMV @ 7 çfr'kr ls lacaf/kr fLFkfr vkSj
eqísA
xxx) jkT; lgdkjh cSadksa vkSj ftyk dsaæh; lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djus dh fLFkfrA
xxxi) 13 ekpZ 2018 dks eqacbZ esa "iksLV lhch,l i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds vkdyu ds fy, ukckMZ
dh LFkkiuk lfefr dh fjiksVZ "ij jk"Vªh; laxks"Bh ds vkpj.k dks le>us ds fy,A
c- dk;Zdkfj.kh lfefr
o"kZ 2017&18 ds njE;ku uS¶Ldksc dh dk;Zdkfj.kh lfefr us 4 cSBdksa dk vk;kstu fd;k tks fuEukuqlkj gS
fnukad LFkku
vçSy 27] 2017 eqacbZ] egkjk"Vª
vxLr 10] 2017 psUubZ] rfeyukMw
uoacj 23] 2017 iksVZ Cys;j] vaMeku ,oa fudksckj }hi
ekpZ 13] 2018 eqacbZ ] egkjk"Vª
9-6 31-03-2018 dks uS¶Ldksc ds inkf/kdkjh bl çdkj Fks :

v/;{k laxBu
Jh fnyhi la?kkuh] iwoZ lkaln ] iwoZ ea=h] xqtjkr funs'kd] xqtjkr jkT; lgdkjh cSad
e;kZfnr]vgenkckn
mik/;{k
Jh xkSre cksjk] iqoZ fo/kk;d] iwoZ ea=h] vle funs'kd] vle jkT; lgdkjh cSad e;kZfnr] xqokgkVh
¼mÙkj&iwohZ {ks=½
27&07&2012& 08&06&2015 ,oa 08&06&2015 ls vkxs
60
55 TH ANNUAL REPORT
Jh jes'k paæ pkScs v/;{k] fcgkj jkT; lgdkjh cSad e;kZfnr] iVuk
¼iwohZ {ks=½
19&03&2018 rd
Jh v'kksd ctkt v/;{k] NÙkhlx<+ jkT; lgdkjh cSad e;kZfnr] jk;iqj
¼e/; {ks=½
08&06&2015 ls
Jh mYgkl ch- Qy nslkbZ v/;{k] xksok jkT; lgdkjh cSad e;kZfnr] i.kth
¼if'peh {ks=½
24&09&2017 rd
Jh ds,u jktUuk] fo/kk;d v/;{k] dukZVd jkT; lgdkjh cSad e;kZfnr] caxyq#
¼nf{k.kh {ks=½
18&12&2015 ls
Jh g"kZ egktu v/;{k
¼mÙkjh {ks=½ fgekpy çns'k jkT; lgdkjh cSad fyfeVsM
26&02&2017 rd f'keyk
Jh ch lqczge.;e çca/k funs'kd ] uS¶Ldksc] uoh eqEcbZ
9-7 Hkkjr ljdkj dh dsUnzh; {ks= ;kstuk ds rgr lgk;rk vuqnku %
Hkkjr ljdkj lgk;rk dh dsUnzh; {ks= ;kstuk ds ek/;e ls fpfUgr ;kstukvksa vkSj dk;ZØeksa ds fy;s jk"Vªh; Lrj ds
lgdkjh laxBuksa dks lgk;rk djrh gSA mDr ;kstuk ds rgr uS¶ldkc fu;kstu] vuqla/kku vkSj fodkl çdks"B esa izLrkfor
fofHkUu fof'k"V xfrfof/k;ksa gsrq lgk;rk vuqnku izkIr dj jgk gSA ftlesa o"kZ 2003&04 ]2004&05] 2010&11 vkSj 2013&14 viokn
gSa ftl nkSjku uS¶ldkc dks Hkkjr ljdkj dh lgk;rk dh mDr ;kstuk ds rgr lgk;rk vuqnku izkIr ugha gqvkA 1974&75 ls
2017&18 rd Hkkjr ljdkj ls izkIr lgk;rk vuqnku dk C;kSjk vuqca/k&4 esa fn;k x;k gSA
9-8 lfefr@dk;Z lewg %
9-8-1 ekuo lalk/ku fodkl uhfr rS;kj djus vkSj ih,lh,l ds fy, fn'kkfunsZ'kksa dk lq>ko nsus ds fy, lfefr dk xBu:
uS¶ld‚c ds v/;{k funs'kd eaMy }kjk fd, x, fu.kZ; ds vuqlkj] uS¶ld‚c ds v/;{k us "ekuo lalk/ku uhfr" rS;kj
61
NAFSCOB
djus vkSj ih,lh,l ds fy, fn'kkfunsZ'kksa dk lq>ko nsus ds fy, ,d lfefr xfBr dhA bl fjiksVZ esa lfefr dk fooj.k dgha vkSj
fn;k x;k gSA
9-8-2 ,vkbZ,e,,l ds rgr lapkyu dks can djus dh j.kuhfr fodflr djus ds fy, lfefr :
tSlk fd fuf'pr fd;k x;k] v/;{k] uS¶ld‚c us ,vkbZ,e,,l ds rgr lapkyu dks can djus dh j.kuhfr r; djus ds
fy, fuEufyf[kr lnL;ksa ds lkFk ,d lfefr dh LFkkiuk dh ftlesa ,vkbZ,e,,l ;kuh ,llhch vkSj mudh 'kk[kkvksa] Mhlhlhch
vkSj mudh 'kk[kkvksa vkSj ;wlhch vkSj mudh 'kk[kkvksa ds lHkh lnL;ksa }kjk fd, tkus okys dne 'kkfey gSaA :
v/;{k
1- Jh ch lqczge.;e
çca/k funs'kd ] uS¶ld‚c
lnL;:
1- Jh lrchj 'kekZ] gfj;k.kk ,llhch] çca/k funs'kd
2- Jh th ,l jkek.k jsìh] dslh,l] eq[; dk;Zdkjh vf/kdkjh] dukZVd ,llhch
3- Jh çnhi uh[kjk] çca/k funs'kd] e/; çns'k ,llhch
4- Jh çeksn d.kkZM] çca/k funs'kd] egkjk"Vª ,llhch
5- Jh rq"kkjdkafr ikaMk ] çca/k funs'kd] vksfM'kk ,llhch
6- M‚ ,lds crh'k] çca/k funs'kd] iatkc ,llhch
7- fFk# vkj dkfrZds;u] çca/k funs'kd] rfeyukMq ,llhch
8- M‚ usFkh eqjyh/kj] çca/k funs'kd] rsyaxkuk ,llhch
9- Jh jch dkar flag] çca/k funs'kd] mÙkj çns'k ,llhch
fo'ks"k vkeaf=r:
1- vka/kz çns'k ,llhch ds çca/k funs'kd Jh ds rqylh çlkn
lykgdkj:
1- Jh ckykuanu ,] Mhth,e ¼vkjVh-½] dsjy ,llhch
2- Jh oh- jk/kk—".ku] th,e ¼vkjVh-½] ikafMpsjh ,llhch
62
55 TH ANNUAL REPORT
9-8-3 —f"k lgdkjh deZpkjh çf'k{k.k laLFkkuksa dks loZJs"B çn'kZu iqjLdkjksa dh uS¶ld‚c twjh:
uS¶ld‚c us 2012&13 ls ,lh,lVhvkbZ dks 'loZJs"B çn'kZu iqjLdkj' dh ,d ;kstuk 'kq: dhA o"kZ 2012&13] 2013&14]
2014&15 vkSj 2015&16 ds iqjLdkj igys gh fotsrk ,lh,lVhvkbZ dks fn,tk pqds gSa A blds vykok] o"kZ 2016&17 ds fy,
,lh,lVhvkbZ dks 'loZJs"B çn'kZu iqjLdkj' dh ;kstuk tkjh j[kus dk QSlyk fd;kA ,lh,lVhvkbZ }kjk fd, x, ç;klksa dh
ljkguk djus ds fy, fuEufyf[kr lnL;ksa ds lkFk ,d Lora= twjh dks LFkkfir djus ds çLrko dks eatwjh nsus ds fy, Hkh gy fd;k
x;k Fkk vkSj bl çdkj nks ;k rhu mi;qä loZJs"B çn'kZu iqjLdkjksa dh flQkfj'k dh xbZ:
9-8-3 —f"k lgdkjh deZpkjh çf'k{k.k laLFkkuksa dks loZJs"B çn'kZu iqjLdkjksa dh uS¶ld‚c twjh%
uS¶ld‚c us 2012&13 ls ,lh,lVhvkbZ dks 'loZJs"B çn'kZu iqjLdkj' dh ,d ;kstuk 'kq: dhA o"kZ 2012&13] 2013&14]
2014&15 vkSj 2015&16 ds iqjLdkj igys gh fotsrk ,lh,lVhvkbZ dks fn,tk pqds gSa A blds vykok] o"kZ 2016&17 ds fy,
,lh,lVhvkbZ dks 'loZJs"B çn'kZu iqjLdkj' dh ;kstuk tkjh j[kus dk QSlyk fd;kA ,lh,lVhvkbZ }kjk fd, x, ç;klksa dh
ljkguk djus ds fy, fuEufyf[kr lnL;ksa ds lkFk ,d Lora= twjh dks LFkkfir djus ds çLrko dks eatwjh nsus ds fy, Hkh gy fd;k
x;k Fkk vkSj bl çdkj nks ;k rhu mi;qä loZJs"B çn'kZu iqjLdkjksa dh flQkfj'k dh xbZ%
v½ Jh ch lqczge.;e : v/;{k
çca/k funs'kd] uS¶ld‚c
vk½ egkfuns'kd] ,ulhlhVh : lnL;
b½ funs'kd] xzkeh.k fodkl cSadj laLFkku : lnL;
¼chvkbZvkjMh½
bZ½ eq[; egkçca/kd] vkbZMhMh] ukckMZ : lnL;
m½ Jh rq"kkjdkafr ikaMk : lnL;
vksfM'kk ,llhch ds çca/k funs'kd
Å½ M‚ usFkh eqjyh/kj : lnL;
rsyaxkuk ,llhch ds çca/k funs'kd
,½ M‚ ,l ds cfr'k : lnL;
iatkc ,llhch ds çca/k funs'kd
63
NAFSCOB
9-9 çca/k funs'kd ,oa uS¶Ldksc ds inkf/kdkjh

çca/k funs'kd Jh ch- lqczge.;e
uS¶ld‚c ds vf/kdkfj;ksa dh foLr`r tkudkjh ifjf'k"V&12 esa nh xbZ gS A
9-10- lgdkjh _.k vkSj cSafdax laLFkkvksa ls lacaf/kr egRoiw.kZ eqíksa ij Kkiu / çfrfuf/kRo%
funs'kd eaMy] dk;Zdkjh lfefr vkSj vU; vkarfjd lfefr;ksa vkSj dk;Z lewgksa }kjk fy, x, fu.kZ;ksa ds vuqlkj] uS¶ldkc
us o"kZ ds nkSjku dbZ xfrfof/k;ksa dk;ZØeksa dk vk;kstu fd;kA igys Hkh uS¶ldkc lgdkjh _.k vkSj cSafdax laLFkkuksa dh O;ogk;Zrk]
ykHk] O;kolkf;drk] Lok;Ùkrk] yksdrkaf=d lsVvi ij fofHkUu uhfrxr igyksa ds fufgrkFkZ ij mPpre Lrj ij lacaf/kr vf/kdkfj;ksa
dks izfrosnu fn;k gS vkSj eqÌksa ds csgrj fuLrkj.k ds fy, muds ldkjkRed gLr{ksi dh ekax dh gSaA
9-11- iwoZ ctV ijke’kZ & 2018&19
o"kZ 2017&18 ds nkSjku] uS¶ld‚c us ctV&iwoZ ppkZ dh iwoZ la/;k ij dsaæh; foÙk ea=h dks egRo ds eqíksa ij çfrfuf/kRo
fd;k gS ftlesa vk;dj vf/kfu;e] 1961 dh /kkjk 80 ih ds rgr ,llhch vkSj Mhlhlhch dks NwV dh cgkyh] ,llhch vkSj
Mhlhlhch ds djk/kku dks çHkkfor djus laca/kh vU; eqíksa] Mhlhlhch ij foeqæhdj.k dk çHkko] lgdkjh _.k laLFkkuksa ds iqu#)kj
ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds iqu#)kj iSdst dh fujarjrk] ,lVhlhlh,l dks dqy —f"k _.k forj.k esa muds
fgLls dks c<+kus ds fy, mi;qä leFkZu] ,llhch vkSj Mhlhlhch ds }kjk rduhdh :i ls vuqikyu gksus gsrq foÙkh; lgk;rk ] C;kt
vuqnku ;kstuk vkfn ls lacaf/kr eqísA
9-12- uS¶ld‚c ds dk;kZy; esa fganh ds mi;ksx ds ckjs esa ljdkjh uhfr dk dk;kZUo;u%
uS¶ld‚c ds dk;kZy; esa fganh ds mi;ksx ds laca/k esa uhfr ds dk;kZUo;u ij —f"k vkSj lgdkfjrk foHkkx] —f"k ea=ky;]
Hkkjr ljdkj ds funsZ'kksa ds vuqlkj] fuEufyf[kr dne mBk, x, gS%
i. dk;kZy; ç'kklu esa fgUnh ds mi;ksx ds laca/k esa xfrfof/k;ksa dk leUo; djus ds fy, vçSy 1992 ls uS¶ld‚c esa
fganh lykgdkj lfefr xfBr dh xbZ gSA lfefr dks dk;kZy; ç'kklu] lnL; ,llhch vkSj muds ?kVdksa esa fganh
ds ç;ksx dh laHkkouk c<+kus dh ftEesnkjh lkSaih xbZ gSA
ii. uS¶ld‚c ds lkbu cksMZ dks vaxzsth vkSj fganh Hkk"kkvksa esa nksuksa n'kkZ;k x;k gSA gkykafd] bu lkbu cksMksZ dks tsds
psEcj lgdkjh gkmflax lkslk;Vh }kjk gVk fn;k x;k gS tgk¡ uS¶ld‚c fLFkr gS]A
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55 TH ANNUAL REPORT
iii. uS¶ld‚c inkf/kdkfj;ksa ds in dk uke jcj LVkai Hkh fgUnh esa fd;k x;k gSA
iv. uS¶ld‚c ds mís';] xfrfof/k;ksa vkSj miyfC/k;ksa ds ckjs esa fooj.kh dk fganh esa vuqokn fd;k gS vkSj lnL;
,llhch vkSj Hkkjr ljdkj dks Hkstk x;k FkkA
v. Hkkjr ljdkj ,oa lnL; ,llhch vkSj Mhlhlhch ls izkIr i=ksa dk laHko gn rd fganh esa tokc fn;k tkrk gSA
vi. uS¶ld‚c ds [kkrksa ds fooj.k ds lkFk okf"kZd fjiksVZ vkSj ys[kk ijh{kk fjiksVZ fganh esa vuqokfnr dh xbZ gS vkSj izfr
Hkkjr ljdkj dks Hkst nh xbZ gSA
vii. uS¶ld‚c us uS¶ld‚c tuZy esa çdk'ku ds fy, fgUnh esa ys[k Hkstus dh vihy dh gSA
viii fgUnh esa foKkiu Hkh ^ uS¶ld‚c ^ tuZy esa çdkf'kr fd, tk jgs gSa uS¶ld‚c us uS¶ld‚c tuZy esa ,d vyx
fgUnh izHkkx 'kq: dj fn;kA
ix. vYikof/k lgdkjh _.k laLFkkvksa ds çn'kZu ij ,d iqfLrdk fganh esa çdkf'kr dh xbZ gSA
x uS¶ld‚c us fganh fnol euk;k A
xi dk;kZy;hu i=kpkj esa fgUnh ds mi;ksx ds dk;kZUo;u ds fy, vf/kd xfrfof/k;ka 'kq: djus ds fy, dne mBk,
tk jgs gSaA
10- vf[ky Hkkjrh; ijLij O;oLFkk Ldhe ¼ ,vkbZ,e,,l½%
‘,vkbZ,e,,l' 1965 esa uS¶ld‚c }kjk lapkfyr fd;k x;k FkkA rRdkyhu ekuuh; dsUæh; foÙk ea=h Jh VhVh —".kekpkjh
us eqacbZ esa 21 vxLr] 1965 dks ,vkbZ,e,,l dk mn~?kkVu fd;kA ',vkbZ,e,,l' dk ewy mís'; fuEufyf[kr cSafdax dkjksckj 'kq:
djus ds fy, ns'k Hkj esa Hkkxhnkj cSadksa dks iznku djuk gS%
i. ,evkbZlhvkj vkSj xSj ,evkbZlhvkj fMekaM Mªk¶V tkjh djuk ,oa Hkqxrku djukA
ii. esy vUrj.k tkjh djuk ,oa Hkxqrku djukA
iii. fcy] ykHkka'k okjaV vkfn dk laxzg.k ,oa Hkqxrku
• ,vkbZ,e,,l dk can gksuk% ,d Li"V fu.kZ;:
lwpuk lapkj çkS|ksfxdh ¼vkbZlhVh½ esa fofHkUu fodkl Hkkjrh; cSafdax flLVe esa fd, x, gSa ftlesa lgdkjh cSad 'kkfey gSaA
muesa ls dqN dksj cSafdax l‚Y;w'kal ¼lhch,l½] Mk;jsDV csfufQV VªkalQj ¼MhchVh½ jh;y Vkbe ldy fuiVku ¼vkjVhth,l½]
us'kuy bysDVª‚fud QaM VªkalQj ¼,ubZ,QVh½] eksckby cSafdax] ,Vh,e dh LFkkiuk] baVjusV cSafdax bR;kfn gSaA ifj.kkeLo:i] dqy
65
NAFSCOB
,vkbZ,e,,l ds rgr cSadksa }kjk tkjh MhMh dh la[;k esa dkQh deh vkbZ gS] D;ksafd xzkgd vkjVhth,l vkSj ,ubZ,QVh ds ek/;e ls
Rofjr gLrkarj.k ilan djrs gSaA blds vykok] ,vkbZ,e,,l esa Hkkx ysus okys cSadksa ls MhMh ds fçaV vkSj eqís dh dksbZ ekax ugha FkhA
vkbZlhVh esa fodkl ds vk/kkj ij vkSj ,vkbZ,e,,l ds rgr lapkyu ij blds çfrdwy çHkko ds dkj.k] eqacbZ esa 27&04&2017 dks
vk;ksftr cSBd esa uS¶ld‚c ds funs'kd eaMy us ,vkbZ,e,,l ds rgr lapkyu fl)kar dks can djus dk ladYi fd;kA cksMZ }kjk
gy fd, x, vuqlkj] ,vkbZ,e,,l ds rgr lapkyu dks can djus dh j.kuhfr r; djus ds fy, ,d lfefr dh LFkkiuk dh xbZ
FkhA lfefr us ,vkbZ,e,,l ds rgr lapkyu dks can djus ds fy, fn'kkfunsZ'k / dk;Zokgh / çfØ;k vkfn rS;kj fd, gSa vkSj bls
psUubZ esa 10&08&2017 dks vk;ksftr uS¶ld‚c ds funs'kd eaMy dh cSBd esa j[kk x;k FkkA funs'kd eaMy us bls eatwjh ns nh vkSj
;g vius Lrj ij vko';d dkjZokbZ djus ds fy, ,vkbZ,e,,l ds rgr lHkh lnL; cSadksa dks çlkfjr fd;k x;kA fn'kkfunsZ'kksa esa ls
,d ;g Fkk fd ,vkbZ,e,,l ds rgr MhMh ds Hkqxrku ds fy, frfFk dk dV 15&12&2017 ds :i esa r; fd;k x;k Fkk vkSj ;g
,vkbZ,e,,l ds rgr lHkh ysunsu ds iw.kZ jksdFkke dh rkjh[k FkhA
10-1 ,vkbZ,e,,l ds rgr lapyu dks can djus ds fy, fn'kkfunsZ'k / dk;Z funsZ'k / çfØ;k dk ikyu djuk fo'ks"k:
• fMekaM Mªk¶V ¼MhMh½ tkjh djus ds fy, dV v‚Q MsV% MhMh tkjh djus ds fy, dV v‚Q MsV 15 flracj 2017 ds :i esa
r; fd;k x;k Fkk vkSj 15 flracj 2017 ds ckn ,vkbZ,e,,l ds lnL; cSadksa }kjk dksbZ MhMh tkjh ugha fd;k tk,xkA
• MhMh ds Hkqxrku ds fy, dV v‚Q MsV% ,vkbZ,e,,l ds rgr MhMh ds Hkqxrku ds fy, dV v‚Q MsV 15&12&2017 ds :i
esa r; fd;k x;k Fkk vkSj ;g ,vkbZ,e,,l ds rgr lHkh ysunsu ds iw.kZ jksdFkke dh rkjh[k FkhA
• uewuk gLrk{kj: uS¶ld‚c vkSj lnL; cSadksa ds ikl j[ks uewuk gLrk{kj 15 fnlacj 2017 ls çHkkoh :i ls jí fd, tkus
pkfg,A vf/k—r vf/kdkfj;ksa ds uewuk gLrk{kjksa okyh Qkbyksa dks u"V fd;k tkuk pkfg, vkSj mfpr fjd‚MZ rS;kj dj
j[kk tkuk pkfg,A
• MhMh dk vç;qä LV‚d% lnL; Lrj ij vk;ksftr ,vkbZ,e,,l ds rgr MhMh ds vç;qä LV‚d dks mfpr Lrj ls vuqefr
ds lkFk LV‚d jftLVj ds lkFk lR;kfir djus vkSj rkyesy djus ds ckn Lo;a ,vkbZ,e,,l ds lnL; }kjk u"V fd;k
tkuk pkfg,A bls uS¶ld‚c dks lwfpr fd;k tkuk pkfg,A
• ;fn uS¶ld‚c ds Lrj ij dksbZ vç;qä LVs'kujh 'ks"k gS] rks mldh ykxr lnL; cSadksa }kjk vkuqikfrd :i ls dh tkuh
pkfg,A
• ,vkbZ,e,,l ysunsu ds ç;kstu ds fy, [kksys x, pkyw [kkrksa dk lekiu: [kkrksa dks can djus dh vko';drk gS c'krsZ
[kkrs ds fo"k; esa tkudkjh çkIr dh xbZ gks vkSj dksbZ yafcr çkfIr;ka vkSj ns; ugha FksA
• ,vkbZ,e,,l ds rgr cukbZ xbZ iqLrdsa vkSj jftLVlZ% bl ;kstuk ds rgr ysunsu dh fdrkcsa vkSj jftLVlZ dks lqyg ds
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55 TH ANNUAL REPORT
mís'; vkSj jkT; esa dkuwuh nkf;Roksa dks iwjk djus ds fy, mfpr :i ls j[kk tkuk FkkA bu iqLrdksa / jftLVj dks
vkjchvkbZ / lacaf/kr cSadksa dh fjd‚MZ j[kus dh uhfr ds vuqlkj cuk, j[kk tkuk pkfg, vkSj mlds ckn uhfr ds vuqlkj
dkuwuh :i ls u"V fd;k tkuk pkfg,A
• uS¶ld‚c }kjk ,vkbZ,e,,l cdk;k jkf'k dk fuiVkjk% çfrHkkxh lnL; cSadksa dks ,vkbZ,e,,l lnL;rk ds okf"kZd 'kqYd
vkSj vkiwfrZ fd, x, MhMh çk:iksa dh ykxr dks çsf"kr djus dh vko';drk FkhA lnL; cSadksa ls vuqjks/k fd;k x;k Fkk fd
;fn os 15 flracj 2017 dks ;k mlls igys uS¶ld‚c dks ns; jkf'k ds iw.kZ vkSj vafre fuiVkjs dh vksj ls viuh nsunkfj;ksa
dks Hkst nsaA
• lHkh Hkkx ysus okys cSadksa ds chp lqyg dk dk;:Z çR;sd çfrHkkxh lnL; cSad dks vius ,vkbZ,e,,l [kkrs dks lqy>kus
vkSj yafcr çkfIr;ka vkSj ns; jkf'k dks lekIr djus ds fy, le;c) dk;ZØe fu/kkZfjr djuk pkfg,A jkT; lgdkjh cSad ds
,vkbZ,e,,l [kkrs dk lqyg rc rd iwjk ugha fd;k tk,xk tc rd muds ?kVd Mhlhlhch / ;wlhch ,vkbZ,e,,l
ysu&nsu dk Hkh lek/kku ugha fd;k tkrkA
• lHkh lnL; ,llhch dks Mhlhlhch vkSj ;wlhch dh cSBdksa dks cqykok nsuk Fkk] tks ,vkbZ,e,,l ds fo?kVu vkSj
,vkbZ,e,,l ds lqpk# fo?kVu dh fn'kk esa viukbZ tkus okyh j.kuhfr dks ifjfLFkfr;ksa dh O;k[;k djus ds fy,
,vkbZ,e,,l ds lnL; FksA
• ,llhch ds çca/ku cksMZ mudh cSBdksa esa ,vkbZ,e,,l ls okil ysus dk ladYi djsaxs] vkSj uS¶ld‚c }kjk xfBr
,vkbZ,e,,l ds rgr lapkyu can dj nsaxsA blh rjg] ,llhch ds çca/ku cksMZ Hkh MhvkbZlhlhch / ;wlhch dks
,vkbZ,e,,l dks flQkfj'k djus ds vius igys çLrko dks okil ysus dk ladYi djsaxsA
• 31 fnlacj 2017 rd ;kstuk ds can gksus ij ,vkbZ,e,,l ds dk;kZUo;u dh fuxjkuh ds fy, uS¶ld‚c ds Lrj ij xfBr
lfefr [kkfjt dj nh xbZ FkhA uS¶ld‚c us ,vkbZ,e,,l ds rgr okf"kZd lnL;rk 'kqYd dh ekax ugha dh Fkh w-e-f-
2018/01/04A
• vç;qä MhMh fdrkcksa dks 31&03&2018 dks R;kx fn;k x;k gSA vif'k"V ;k jíh dh fcØh ds fuiVkjs ij çkIr jkf'k dks
uS¶ld‚c [kkrs esa tek dj fn;k x;k gSA
11- ;kstuk] vuqla/kku vkSj fodkl ¼ihvkjMh½ lsy%
uS¶ldkc us 2017&2018 ¼1 vizSy]2017 ls 31 ekpZ] 2018½ esa vYikof/k lgdkjh _.k lajpuk ds lapkyu ds fo"k; esa
egRoiw.kZ igyqvksa@eqíksa ij fuEu v/;;u fjiksVZ@çdk'ku ,aM nLrkost rS;kj fd, A
67
NAFSCOB
1 ^jch vkSj [kjhQ Qlyksa ds fy, vYikof/k —f"k _.k ds laforj.k dh leh{kk%2017&2018 Â
2 ^jkT; lgdkjh cSadksa ds çn'kZu ij cqfu;knh MsVk% 2016&17A
3 ^ftyk e/;orhZ lgdkjh cSadksa ds çn'kZu ij cqfu;knh MsVk% 2016&17Â
4 ^çkFkfed —f"k _.k laLFkkvksa ds çn'kZu ij cqfu;knh MsVk 2014&15Â Â
5 Hkkjr esa ftyk e/;orhZ lgdkjh cSadksa dhs ^funsZf'kdk 2017&18A
6 Hkkjr esa jkT; lgdkjh cSad dh funsZf'kdk^ ¼=Sekfld½A
7 iksLV lhch,l i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds vkdyu ds fy, ukckMZ }kjk LFkkfir lfefr dh
fjiksVZ ij jk"Vªh; laxks"Bh dh i`"BHkwfe lkexzhA
8 Hkkjr esa xzkeh.k lgdkjh cSadksa esa gkfy;k #>kuA
9 Hkkjr esa y?kq vof/k lgdkjh _.k laLFkkuksa esa lwpuk lapkj çkS|ksfxdh / fMftVydj.kA
10 Hkkjr esa y?kq vof/k lgdkjh _.k lajpukA
11 foÙkh; lsok,a vkSj xjhch esa dehA
12 80 ih ds rgr ,llhch vkSj Mhlhlhch dks NwV cgky djsaA
13 ukfld ftyk dsaæh; lgdkjh cSad& ,d çksQkby
14 Hkkjr esa lw{e foÙk&lgdkjh cSadksa dh HkwfedkA
15 y?kq vof/k ¼,lVh½ 2012&13 ls 2016&17 ds nkSjku ekSleh —f"k lapkyu ¼,l,vks½ ds foÙkiks"k.k ds fy, ukckMZ
}kjk jkT; lgdkjh cSadksa dks iqufoZÙk & ,d leh{kkA
16 ekuo lalk/ku fodkl esa lgdkjh çf'k{k.k laLFkkuksa dh Hkwfedk
17 'iksLV lhch,l i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds vkdyu ds fy, ukckMZ }kjk LFkkfir lfefr dh
fjiksVZ 'ij jk"Vªh; laxks"Bh dh dk;Zokgh
11-1- lkW¶V dkWih izk:Ik esa lwpuk dk izlkj%
uS¶ld‚c gkMZ dkWih izk:Ik esa ,vkbZ,e,,l ds ,llhch lnL; }kjk mi;ksx ds fy, ,vkbZ,e,,l ds rgr nLrkost
miyC/k djkrk gSA uS¶Ldksc us lhMh esa fuEufyf[kr nLrkost mIkyC/k djk;s gSa:
1½ jkT; lgdkjh cSadksa ds fy;s ifjpkyu iqfLrdk ¼ la'kksf/kr 2013½
2½ ÞjkT; lgdkjh cSadksa es tksfdfge çca/kuß gsrq çfr:i uhfr
3½ ÞjkT; lgdkjh cSadksa esa Þlwpuk lqj{kk uhfrß gsrq çfr:i uhfr
4½ vYikof/k lgdkjh _.k lajpuk esa Hkkjr ljdkj dh C;kt lgk;rk ;kstuk ds çHkko ds vkdyu" ij v/;;u
fjiksVZ
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55 TH ANNUAL REPORT
5½ —f"k _.k esa lgdkjh lfefr;ksa ds fgLls dks c<+kus ds fy, jksMeSi & uS¶ld‚c }kjk vkarfjd lfefr dh ,d
fjiksVZA
6½ ,llhch / Mhlhlhch / ih,lh,l ds çn'kZu ij ewy MsVk
7½ ,llhch / Mhlhlhch dh funsZf'kdk
12 lEesyu] laxksf"B;k¡] dk;Z'kkyk;sa ] xksy est lEokn] lHkk,¡] vkfn
uS¶ld‚c us o"kZ 2017&18 ds nkSjku fuEufyf[kr lEesyuksa / dk;Z'kkykvksa / laxksf"B;ksa / cSBdksa dk vk;kstu fd;k:
1½ uS¶ld‚c us rsyaxkuk jkT; lgdkjh 'kh"kZ cSad e;kZ] gSnjkckn ds cSBd d{k esa 29 tqykbZ 2017 dks vf[ky Hkkjrh;
E;wpqvy O;oLFkk ;kstuk ¼,vkbZ,e,,l½ ds rgr lapkyu dks can djus ds fy, lfefr dh igyh cSBd cqykbZA
2½ uS¶ld‚c us 11 vxLr] 2017 dks psUubZ] rfeyukMq esa o"kZ 2015&16 ds fy, fotsrk ,llhch vkSj Mhlhlhch]
ih,lh,l dks loZJs"B çn'kZu vkSj ,lh,lVhvkbZ dks lqHkk"k ;kno iqjLdkj is'k djus ds fy, ,d fo'ks"k lekjksg
vk;ksftr fd;kA
3½ 28&09&2017 dks Hkksiky esa nks jkT; / {ks=h; Lrj dh cSBdsa vkSj 07&10&2017 dks csaxyq# esa vk;kstu
,vkbZ,e,,l ds rgr çfrHkkfx;ksa ds lnL; cSadksa dks ,vkbZ,e,,l ds rgr viuh yafcr çfof"V;ksa dks lqy>kus
ds fy, cqyk;k x;k FkkA
4½ 13 ekpZ] 2018 dks eqacbZ esa uS¶ld‚c }kjk vk;ksftr lhchlhlh i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds
vkdyu ds fy, ukckMZ }kjk LFkkfir lfefr dh 'jk"Vªh; lsfeukj' fjiksVZ ij jk"Vªh; laxks"Bh dk vk;kstu fd;k
x;k FkkA laxks"Bh dk mís'; ekuo lalk/ku lfefr }kjk dh xbZ flQkfj'kksa ij ijke'kZ dh ,d foLr`r Jà[kyk d‚
lqfo/kktud cukuk FkkA laxks"Bh ds çfrHkkfx;ksa us jkT; lgdkjh cSadksa] v/;{kksa vkSj / ;k p;fur Mhlhlhch ds
çeq[k vf/kdkfj;ksa] ukckMZ ds çfrfuf/k;ksa] chvkbZvkjMh / lh,ch / okefud‚e / ,ulhMhlh / fcLd‚ewu ds
çfrfuf/k;ksa ds v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh FksA çfrfuf/k;ksa }kjk Hkkxhnkjh Lo;a foÙk iks"k.k vk/kkj ij
FkhA
13- ^xzkeh.k lgdkjh _.k vkSj cSafdax dk uS¶ld‚c tuZy^ %
uS¶ld‚c lgdkjh _.k vkSj cSafdax {ks= vkfn ij fo'ks"k lqfo/kkvksa@ys[k] dsl LVMh] lwpuk@ MsVk lfgr ^xzkeh.k lgdkjh
_.k vkSj cSafdax ds uS¶ld‚c tuZy^ 'kh"kZd ls ,d =Sekfld if=dk izdkf'kr djrk gSA uS¶ld‚c çLrqfr vkSj lgdkjh _.k
laLFkkvksa ls lacaf/kr fofHkUu eqíksa ij if=dk dh lkexzh dh xq.koÙkk esa lq/kkj djus ds fy, ç;kl dj jgk gSA ^xzkeh.k lgdkjh _.k
69
NAFSCOB
vkSj cSafdax ds uS¶ld‚c tuZy^ Hkh cSafdax {ks=] vkfn esa muds çn'kZu] fu"d"kZ] vfHkuo cSafdax çFkkvksa vkSj uokpkjksa ds ckjs esa
tkudkjh dk çlkj djus ds fy, lnL; cSadksa] fofHkUu vU; lg;ksxh laxBuksa vkSj Hkh lgdkjh 'kks/kdrkZvksa ds fy, volj çnku
djrk gSA mDr tuZy esa bl rjg ds ¼i½ laikndh;] ¼ii½ vkys[k ¼iii½ fons'k esa lgdkfjrk] ¼iv½ fo'ks"k [kcj ¼v½ fjiksVZ ¼vi½ jk-l-cSad
/ ft-e-l-cSad dk çksQkby ¼vii½ dk;Z lewg@lfefr;ksa dh flQkfj'ksa ¼viii½ Kkiu] ¼ix½ Hkkjrh; fjtoZ cSad@ukckMZ ifji= ¼x½
funs'kd eaMy dh cSBd vkSj fopkj&foe'kZ fd, x, eqísa ¼xi½ uS¶ld‚c ?kVukØe ¼xii½ dk;Zdkjh Mk;jh ¼xiii½ lnL; cSadksa ls
lekpkj ¼xiv½ lkaf[;dh] ¼xv½ fganh esa vkys[k@ fo'ks"k lekpkj vkfn 'kkfey gSaSA tuZy dh ykxr dks O;ogk;Z vkSj lkFkZd cukus ds
fy, ,llhch dh lfØ; Hkkxhnkjh dh vko';drk eglwl dh tkrh gSA
14- uS¶ld‚c esa dEI;wVjhdj.k %
uS¶ld‚c ds çeq[k ifjpkyuksas dks daI;wVjh—r dj fn;k x;k gSA uS¶ld‚c dks jk-l-cSad vkSj ft-e-l-cSad ds ykHk ds fy,
daI;wVjhdj.k ij igys ,Dlikstj vkSj vfHkfoU;kl dk;ZØe ds vk;kstu ds fy, Js; tkrkA o"kZ ds nkSjku] uS¶ld‚c ds
daI;wVjhdj.k ds ek/;e ls viuh xfrfof/k;ksa ds foLrkj ds fy, vius Lo;a dhs dk;Z;kstuk gSA uS¶ld‚c us jk-l-cSad] ft-e-l-cSad
vkSj iSDl ds vk/kkjHkwr vkaadMksa ds çdk'ku ds laca/k esa fotqvy csfld + ekbØksl‚¶V ,Dlsl + fØLVy fjiksV l‚¶Vos;j ls u;s
l‚¶V~os;j dh vksj ifjorZu fd;k gSA ,d ,slk gksLVsM Ldsyscy osc vk/kkfjr ,Iyhds'ku dk çLrko tks jk-l-cSad] ft-e-l-cSad vkSj
iSDl dks fo'ys”k.k ,oa fjiksfVZax ds fy, flLVe esa lh/ks MkVk buiqV djus dh lqfo/kk nsxk ;g uS¶ld‚c ds fopkjk/khu gSA uS¶ld‚c
us vius vkbZVh t:jrksa dks fpfUgr fd;k gS vkSj eq[; dk;Zdykiksa dks daI;wVjh—r djus ij fopkj fd;k gS A
rnuqlkj ,d cgq mi;ksx usVofdZax iz.kkyh lfgr ,d i)fr LFkkfir dh xbZ gS vkSj uS¶ld‚c ds lHkh vf/kdkfj;ksa dks vius nSfud
dk;Z djus ds fy, dEI;wVj iznku fd, x, gSA uS¶ld‚c orZeku gkMZos;j vkSj lkW¶Vos;j dh leh{kk djrk gS vkSj blds lkFk&lkFk
uS¶ld‚c ds dk;kZy; esa daI;wVj iz.kkyh dks mUu;u djus dh vko';drk dh Hkh leh{kk djrk gS vkSj blds mUu;u ds fy,
vko';d dne mBkrk jgk gSA
15- uS¶ld‚c }kjk çfrfuf/kRo vkSj lgHkkfxrk %
uS¶ld‚c ds v/;{k vkSj izca/ku funs'kd dks muds lacaf/kr inkuqlkj fofHkUu lfefr;ksa esa ukfer fd;k x;kA mUgksaus
leh{kk/khu o"kZ ds nkSjku bu lfefr;ksa dh cSBdksa esa Hkkx fy;kA
70
55 TH ANNUAL REPORT
15-1- v/;{k%
Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c fuEufyf[kr jk"Vªh; / varjkZ"Vªh; Lrj ds laxBuksa ds lkekU; fudk;@funs'kd eaMy@'kklh
fudk; esa izfrfuf/kRo djrs gS%&
i. Hkkjrh; jk"Vªh; lgdkjh la?k] ubZ fnYyhA

ii. jk"Vªh; lgdkjh fodkl fuxe ¼,ulhMhlh½] ubZ fnYyhA
iii. Hkkjrh; lgdkjh cSad] ubZ fnYyhA*
iv. Hkkjrh; i;ZVu lgdkjh fyfeVsM ¼dwiVwj½] ubZ fnYyhA
v. jk"Vªh; fQYe ,oa yfyr dyk da- fyfeVsM] ¼,u,,Q,Q,lh½] ubZ fnYyhA
vi. varjkZ"Vªh; lgdkjh ,yk;al ¼vkbZlh,½] ftusok] fLoV~tjySaM
vii. varjkZ"Vªh; jk;Qsl la?k ¼vk;vkj;q½] c‚u] teZuh
v/;{k] uS¶ld‚c jk"Vªh; —f"k lgdkjh foi.ku la?k fyfeVsM ¼ukQsM½ ds mik/;{k Hkh gSaA
*M‚-fctsanj flag]iwoZ&fo/kk;d; iwoZ v/;{k] uS¶ld‚c funs'kd] uS¶ld‚c] v/;{k] fnYyh jk-l-cSad ,oa lHkkifr]
,ulhlh,Q
15-2- v/;{k] uS¶ld‚c us fnukad 1 vçSy] 2017 ls ekpZ 31] 2018 ds chp fuEukafdr cSBdksa/ lsfeukj/lEesyuksa/dk;Z'kkykvksa ,oa
dk;ZØeksa esa Hkkx fy;k
v½ uS¶ld‚c ds ps;jeSu Jh fnyhi la?kkuh us 18&21 vçSy 2017 ls guksbZ ¼fo;ruke½ esa vk;ksftr 10 osa
,f'k;k&isflfQd lgdkjh eaf=ifj"kn lEesyu esa Hkkx fy;kA
vk½ uS¶ld‚c ds ps;jeSu Jh fnyhi la?kkuh us chftax] 6&7 twu] 2017 phu esa vk;ksftr foÙkh; lsokvksa vkSj xjhch
esa deh ds 68 osa ,ihvkj,lh, dk;Zdkjh lfefr dh cSBd vkSj {ks=h; uhfr Qksje esa Hkkx fy;kA
b½ uS¶ld‚c ds ps;jeSu Jh fnyhi la?kkuh us LV‚dgkse] LohMu esa 03 ls 06 flracj] 2017 rd "lgdkjh cSadksa esa
lwpuk lapkj çkS|ksfxdh ¼vkbZlhVh½ vkSj fMftVydj.k dks viukus dh vko';drk vkSj egRo" ij lhvkschvkbZ
}kjk vk;ksftr jk"Vªh; laxks"Bh esa Hkkx fy;kA
bZ½ 20 flracj] 2017 dks ubZ fnYyh esa ,ulh;wvkbZ dh okf"kZd tujy c‚Mh ehfVax esa uS¶ld‚c ds v/;{k Jh fnyhi
la?kkuh us Hkkx fy;kA
m½ Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c us 20 flracj] 2017 dks ubZ fnYyh esa ,ulh;wvkbZ dh okf"kZd lkekU;
71
NAFSCOB
fudk; cSBd dh iwoZ la/;k ,ulh;wvkbZ }kjk vk;ksftr "lgdkjh lfefr;ksa vkSj lrr fodkl y{;ksa: lnL; dh
Hkkxhnkjh" ij laxks"Bh esa Hkkx fy;kA
Å½ uS¶ld‚c ds ps;jeSu Jh fnyhi la?kkuh us foKku Hkou] lgHkkfxrk vkSj fdlku dY;k.k foHkkx ¼lgHkkfxrk
foHkkx½] —f"k vkSj fdlku dY;k.k ea=ky;] Hkkjr ljdkj esa foKku Hkou] ubZ fnYyh esa Jh y{e.k jko bukenkj
th ¼odhy lkfgc½ ds tUe 'krkCnh o"kZ dks mudh 'krkCnh tUe frfFk ;kuh 21 flracj] 2017 dh ;kn esa vk;ksftr
'lgdkjh lEesyu' ds :i esa ,d fnu lsfeukj esa Hkkx fy;kA
,½ uS¶ld‚c ds ps;jeSu Jh fnyhi la?kkuh us 26 ls 29 Qjojh] 2018 rd dksyacks] Jhyadk esa vk;ksftr vkbZlh,
}kjk vk;ksftr ,f'k;k&isflfQd lgdkjh fodkl lEesyu esa Hkkx fy;kA
15-3 çca/k funs'kd%
Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c fuEufyf[kr jk"Vªh;@varjkZ"Vªh; Lrj ds laxBuksa esa uS¶ldkc dk çfrfuf/kRo
djrs gSa%
i. lnL;] lykgdkj lfefr] —f"k cSafdax d‚ystA ¼lh,ch½] iq.ksA

ii. ,f'k;k vkSj ç'kkar xzkeh.k vkSj —f"k _.k ,lksfl,'ku ¼,ihvkj,lh,½] cSad‚d
iii. —f"k lgdkfjrk fodkl usVodZ ¼,ubZMh,lh½] cSadkd A
iv. varjkZ"Vªh; lg;ksx vkSj —f"k cSafdax çf'k{k.k dsUn ¼lhvkbZlhVh,ch½] iq.ksA
v. lnL;] lh&ihbZlh] cMZ] y[kuÅ }kjk ^lgdkjh çf'k{k.k laLFkku^ ds çR;k;u ¼lhVhvkbZ½ ds fy, ^çR;k;u cksMZÂ
15-4- Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us 1 vizSy] 2017 ls 31 ekpZ 2018 ds nkSjku fuEufyf[kr
cSBdksa@lsfeukj@lEesyu@dk;Z'kkyk,a vkSj dk;ZØe esa Hkkx fy;k%
i. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us 07 vçSy] 2017 dks iq.ks esa Hkkjrh; fjtoZ cSad ds lh,ch dh 56
oha d‚yst lykgdkj lfefr ¼lh,lh½ dh cSBd esa Hkkx fy;kA
ii. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us 18&21 vçSy 2017 ls guksbZ ¼fo;ruke½ esa vk;ksftr 10 osa
,f'k;k&isflfQd lgdkjh eaf=ifj"kn lEesyu esa Hkkx fy;kA
iii. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c] Jh ckyw v¸;j] {ks=h; funs'kd] varjkZ"Vªh; lgdkjh xBca/ku ,f'k;k
vkSj isflfQd ds lkFk 03 ebZ ls 05] 2017 rd fetksje dk nkSjk fd;kA nksuksa Jh ch lqczã.;e vkSj Jh ckyw
72
55 TH ANNUAL REPORT
v¸;j iq-yylkok] ekuuh; foÙk ea=h] ;kstuk vkSj dkuwu ea=h] ljdkj] fetksje ls eqykdkr dh ; iq
ykyekyleok] vkbZ,,l] eq[; lfpo vkSj iq lkax fMaxfy;kuk] vkbZ,,l] lfpo ¼lg;ksx½] fetksje ljdkj ;
ikbZA VhA ykyeqvkuiqbZ] v/;{k vkSj Jh ykytqvkfyvkuk ¼tqvkgk½] eq[; dk;Zdkjh vf/kdkjh] fetksje lgdkjh
loksZPp cSad fyfeVsM ¼,elh,ch½; vU; yksxksa ds chp] lg;ksx foHkkx ds ofj"B vf/kdkjh] lgdkjh lfefr ds
jftLVªkj dk;kZy;] fetksje lgdkjh loksZPp cSad fyfeVsM] fetksje nw/k mRiknd lgdkjh la?k fyfeVsM ¼eqYdks½]
fetksje jkT; lgdkjh la?k fyfeVsM ¼,e,llh;w ½] fetksje ¼ihvkbZth,QbZMh½] jkblQsM / fet‚QsM] tksfQLM]
ekgdks] tqvkaxrqbZ cqukbZ lgdkjh lfefr] fpaxk osax bR;kfn esa lqvj mRikndksa ds lgdkjh la?k vkSj fetksje esa
lgdkjh lfefr;ksa ds ifj–'; ij ppkZ dhA
iv. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us chftax] phu esa vk;ksftr 6&7 twu] 2017 ls foÙkh; lsokvksa vkSj
xjhch esa deh ds 68 osa ,ihvkj,lh, dk;Zdkjh lfefr dh cSBd vkSj {ks=h; uhfr Qksje esa Hkkx fy;kA
oh Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us 31 ekpZ] 2017 dks lgdkjh cSadksa ds çn'kZu dh leh{kk ds fy, 10
tqykbZ 2017 dks ubZ fnYyh esa ukckMZ }kjk vk;ksftr jkT; lgdkjh cSadksa dh jk"Vªh; leh{kk esa Hkkx fy;kA
v. ukckMZ ds 36 osa QkmaMs'ku fnol dh iwoZ la/;k ij 11 tqykbZ 2017 dks ubZ fnYyh esa ukckMZ }kjk vk;ksftr
,l,pth vkanksyu dh jtr t;arh eukus ds fy, ",l,pth & cSad fyadst dk;ZØe" ij lsfeukj esa Jh ch
lqcze.;e us Hkkx fy;kA
vi. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us LV‚dgkse] LohMu esa 03 ls 06 flracj] 2017 rd "lgdkjh cSadksa esa
lwpuk lapkj çkS|ksfxdh ¼vkbZlhVh½ vkSj fMftVydj.k dks viukus dh vko';drk vkSj egRo" ij lhvkschvkbZ
}kjk vk;ksftr jk"Vªh; laxks"Bh esa Hkkx fy;kA mUgsa laxks"Bh esa fo'ks"kK ds :i esa Hkh vkeaf=r fd;k x;k Fkk A
vii. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us ,ulh;wvkbZ }kjk vk;ksftr "lgdkjh lfefr;ksa vkSj lrr fodkl
y{;ksa% lnL; dh Hkkxhnkjh" ij laxks"Bh esa Hkkx fy;k] tks 20 flracj] 2017 dks ubZ fnYyh esa ,ulh;wvkbZ dh
okf"kZd lkekU; fudk; cSBd dh iwoZ la/;k FkhA
viii. Jh ch lqczã.;e] çca/k funs'kd]uS¶ld‚c us ,d fnu ds lsfeukj esa —f"k] lgdkfjrk vkSj fdlku dY;k.k foHkkx
¼lgHkkfxrk foHkkx½] —f"k vkSj fdlku dY;k.k ea=ky;] Hkkjr Hkou] Hkkjr ljdkj }kjk vk;ksftr 'lgdkj
lEesyu' esa Hkkx fy;kA fnYyh dks Jh y{e.k jko bukenkj th ¼odhy lkfgc½ ds tUe 'krkCnh o"kZ dks mudh
'krkCnh tUe frfFk ;kuh 21 flracj] 2017 dks eukus ds fy, euk;k x;kA
ix. 07 vDVwcj] 2017 dks dukZVd jkT; lgdkjh 'kh"kZ cSad fyfeVsM] csaxyq: esa ,vkbZ,e,,l ds rgr yafcr
çfof"V;ksa ds lqy>kus dh lqfo/kk ds fy, vk;ksftr uS¶ld‚c ds çca/k funs'kd Jh Hkhek lqczã.;eA
73
NAFSCOB
x. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us 31 vDVwcj] 2017 dks dukZVd jkT; lgdkjh loksZPp cSad fyfeVsM]
cSaxyksj dk nkSjk fd;kA
xi. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us ukfld ftyk dsaæh; lgdkjh cSad fyfeVsM] ukfld ds vf/kdkfj;ksa
ds lkFk 04 uoacj] 2017 dks ukfld ds lkFk ppkZ dh rkfd os fo'ks"k :i ls nkuo ds çHkko dk vkdyu djus ds
fy, vius cSad çksQkby dks le> ldsaA
xii. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us 06&07 uoacj] 2017 dks lh&ihbZlh] chvkbZvkjMh] y[kuÅ esa
lgdkjh lfefr;ksa ds funs'kd eaMy ds fy, d‚iksZjsV ç'kklu ij ikBîØe rS;kj djus ds fy, dk;Zdkjh lewg
lfefr dh nks fnolh; ijke'kZ cSBd esa Hkkx fy;kA A
xiii. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c us 10 uoacj] 2017 dks ukxkySaM jkT; lgdkjh cSad fyfeVsM] nhekiq
ds Lof.kZe t;arh lekjksg esa Hkkx fy;kA
xiv. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c 14&17 uoacj] 2017 ds nkSjku eysf'k;k ds dqvkykyaiqj esa vkbZlh,
tujy vlsacyh esa Hkkx fy;kA
xv. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c ch dks lks'ky ,aM l‚fyMsfjVh bdksu‚eh ¼,l,lbZ½ baVjus'kuy Qksje
}kjk vk;ksftr fo"k; ij "8 oha eksaV CySad ehfVaXl" ds v/;{k ds :i esa vkeaf=r fd;k x;k gS] ‘LFkk;h
çfrfØ;kvksa ds fy, dq'ky çfrfØ;k,a% lkekftd ,dtqVrk] ,drk vkSj lekos'ku vkfdZEIl esa] 06&0
fnlacj] 2017 ds nkSjku ¶jkal xzsV Ýsap ftusok] ÝkalA
xvi. Jh ch lqczã.;e] çca/k funs'kd] uS¶ld‚c vkSj rsyaxkuk jkT; lgdkjh 'kh"kZ cSad fyfeVsM ds v/;{k Jh ds jfoanj
jko us baVjus'kuy dksv‚ijsfVo cSafdax ,lksfl,'ku ¼vkbZlhch,½ ds v/;{k] lhvksihih ,Qvkj] isfjl vkSj v/;{k]
M‚A cSalsy thu&yqbZ ds lkFk ppkZ 08 fnlacj dks dh FkhA
16- ys[kk vkSj foÙk%
31 ekpZ 2018 dks lekIr o"kZ ds fy, uS¶ldkc us [kkrksa dh lkafof/kd ys[kk ijh{kk es-vfer [kkVhokyk ,aM daiuh] pkVZMZ
ys[kk] eqEcb }kjk dh xbZA 31 ekpZ 2018 dks lekIr o"kZ ds fy, vkSj ys[kk ijh{kk fjiksVZ ds fy, [kkrksa dk ys[kk ijhf{kr fooj.k
vyx ls çLrqr fd;k tkrk gSA
31 ekpZ 2018 vkSj 31 ekpZ 2017 dks lekIr o"kZ ds fy, dh ifjlaifÙk;ksa vkSj nsunkfj;ksa ^vkSj^ vk; ,oa O;; dh rqyukRed fLFkfr
fuEu rkfydk esa bh xbZ gS%
74
55 TH ANNUAL REPORT
laifRr ,oa nsunkfj;ka

¼ ` yk[k esa½
dh rkjh[k ij dh rkjh[k ij
ns;rk,a 31-03- 31-03- laifRr% 31-03- 31-03-
2018 2017 2018 2017
fjtoZ vkSj vU; udnh vkSj cSad
466-27 452-77 34-33 23-32
QaM cSysal
varjjk"Vªh; fuos'k
f'k{kk vkSj 78-86 97-34 478-13 419-17
,Dlikstj QaM
ekStwnk
nsunkfj;k¡ vftZr C;kt vkSj
61-02 58-34 6-20 2-22
cdk;k
vkSj çko/kku
vk; ,oa O;;
32-08 9-44 vpy laifRr;ka 20-95 23-54
,@lh
Hkkjr ljdkj ls ,vkbZ,e,,l
çkIr 20-00 -------------- -------------- 3-00
vuqnku&lgk;rk “ks;j
dY;k.k dks”k 22-95 21-24

çk-—-lk-l- gsrq
lqHkk"k ;kno 1-00 1-00
iqjLdkj
,Mokal] tek
vkSj ,vkbZ,e,, 18-67 18-90
cdk;k
Hkkjr ljdkj ls
---------- 10-50
çkI; lgk;rk
jk"Vªh; laxks"Bh ds
fy, ,ulh;wvkbZ ls 1-00 ---------------
çkI; lgk;rk
varjjk"Vªh; f'k{kk
75-00 95-00
vkSj ,Dlikstj QaM
dqy 658-23 617-89 dqy 658-23 617-89
75
NAFSCOB
vk; ,oa O;; ys[kk

vk;
¼` yk[k esa½
dza-la- C;kSjk 2017&18 2016&17 cnyko
1 okf"kZd lnL;rk 127-00 121-00 +6- 00
,vkbZ,e,,l
2 lnL;rk@ ços'k 4-61 2-90 +1-71
'kqYd
3 fuos'k ij çkIr C;kt 39-47 45-64 &6-17
Hkkjr ljdkj ls çkIr
4 20-00 10-50 + 9-50
vuqnku
5 ;ksxnku izkIr 6-02 14-72 &8-70
dkWi laxBu ls izkIr
6 0-15 0-15 0-00
ykHkka'k
7 ,vkbZ,e,,l izkfIr;ka ----------- 0-01 &0-01
dqqy 197-25 194-92 + 2-33
O;;
¼` yk[k esa½
dza-
C;kSjs 2017&18 2016&17 cnyko
la-
&12-67
izca/ku dh ykxr% 51-38
1 64-05 -
d½ osru
64-08 &0-58
[k½ ih-vkj-Mh- lsy [kkrk 63-50
32-11 &4-08
x½ iz'kklfud rFkk vU; O;; 28-03
2 lnL;rk 'kqYd 8-92 8-71 +0-21

dk;Z'kkykvksa@lEesyuksa@lsfeukj
3 2-00 4-33 &2-33
O;;
4 ,vkbZ,e,,l O;; 0-00 0-13 &0-13
5 izdk'ku O;; 0-66 0-44 +0-22
6 laifRr dj 0-58 0-58 -----------------
7 cSBdksa ij O;; 4-79 5-15 &0-36
8 vpy laifÙk dk ewY;âkl 2-59 2-94 &0-35
76
55 TH ANNUAL REPORT
9 dkuwuh vkSj O;kolkf;d izHkkj 1-06 0-97 +0-09

laifÙk dh fcØh ij gksus okyk
10 0-00 0-02 &0-02
?kkVk
—f"k _.k esa lgdkjh lfefr;ksa
ds fgLls dks c<+kus ds fy,
11 dk;Z ;kstuk rS;kj djus gsrq 0-00 0-69 &0-69
vkarfjd lfefr dh fjiksVZ ij
O;;
12 fjtoZ QaM esa LFkkukarj.k 11-81 0-00 +11-81
13 O;; ds i'pkr cph vk; 21-93 10-72 +11-21
197-25 194-92 + 2-33
/;ku nsa:
1- mi;qZä ys[kk&tks[kk ls ;g ns[kk tk ldrk gS fd 31-03-2018 dks 31-3 yk[k #i;s ¼ 1-11 yk[k #i;s + 21-93
yk[k #i;s½ dk 'ldy vf/k'ks"k' gS tcfd 31-03-2017 dks ;g 10-72 yk[k #i;s Fkk A
2- vf/k'ks"k ds fuiVkjs ds çko/kku ds vuqlkj%
,½ ldy vf/k'ks"k dk 25% lkekU; fjtoZ QaM esa LFkkukarfjr dj fn;k tkrk gS
ch½ ldy vf/k'ks"k dk 10% vçR;kf'kr ?kkVs dks iwjk djus ds fy, lkekU; fjtoZ QaM esa LFkkukarfjr dj
fn;k tkrk gSA
3- fuoy vf/k'ks"k 21-93 yk[k #i;s gSA
4- o"kZ 2017&18 ds fy, 'dqy O;;' fiNys o"kZ ds 184-20 yk[k #i;s ds eqdkcys 1]63-51 yk[k #i;s FkkA
5- ';kstuk] vuqla/kku vkSj fodkl çdks"B ' ds O;; dk fooj.k uhps fn;k x;k gS:
¼` yk[k esa½
dza-
C;kSjk 2017&18 2016&17 cnyko
la-
¼Vh, vkSj Mh, lfgr½ ihvkjMh lsy esa
1 59-12 58-73 +0-30
deZpkfj;ksa ds osru ,oa HkÙkk
eqæ.k vkSj LVs'kujh] Mkd ,oa rkj]
2 2-80 3-49 &0-69
çdk'ku] VsyhQksu vkfn-
lEesyu@dk;Z'kkyk,a@lsfeukj@çf'k{k.k
3 1-56 1-86 &0-30
vkfn
dqy 63-48 64-08 &0-60
77
NAFSCOB
17- vkHkkj %
cksMZ] Hkkjr ljdkj] Hkkjrh; fjtoZ cSad rFkk jk"Vªh; —f"k ,oa xzkeh.k fodkl cSad ¼ukckMZ½ }kjk uS¶ldkWc dks fn,
x, fujUrj lg;ksx ds fy, viuh d`rKrk Kkfir djrk gSA cksMZ o"kZ ds nkSjku Hkkjr ljdkj ls izkIr fujUrj lgk;rk o
izksRlkgu gsrq vkHkkjh gSA cksMZ] dsUnzh; foRr ea=ky; ,oa dsUnzh; —f"k ea=ky; fo'ks"kdj lgdkfjrk foHkkx }kjk lgdkjh
vYikof/k lk[k {ks= ds fodkl ds fy, iznf'kZr xgu :fp ds izfr Hkh viuk vkHkkj O;Dr djrk gSA cksMZ] vYikof/k lgdkjh
volajpuk ds fodkl rFkk mUufr esa ukckMZ }kjk dh xbZ igy ,oa lnL; jkT; lgdkjh cSadksa ds lqn`<hdj.k ds iz;klksa esa
uS¶ldkWc dks lgk;rk nsus ds fy, d`rKrk Kkfir djrk gSA blds vfrfjDr cksMZ] Hkkjrh; jk"Vªh; lgdkjh la?k
¼,ulh;wvkbZ½] Hkkjrh; lgdkjh cSad ¼dksch½] jk"Vªh; lgdkjh fodkl fuxe ¼,ulhMhlh½] jk"Vªh; lgdkjh çf'k{k.k ifj"kn
¼,ulhlhVh½] —f"k cSafdax egkfo|ky; ¼lh,ch½] cSdq.B esgrk jk"Vªh; lgdkjh izca/ku laLFkku ¼oSeuhdkWe½] Hkkjrh; cSad la?k
¼vkbZch,½] Hkkjrh; cSafdax o for laLFkku ¼vkbZvkbZch,Q½ ,oa varjkZ"Vªh; laxBuksa tSls varjkZ"Vªh; lgdkjh la?k ¼vkbZlh,½]
vkbZlh] FkheSfVd desVh] varjkZ”Vªh; lgdkjh cSafdax la?k ¼vkbZlhch,½] vkbZlh, dk varjkZ"Vªh; lgdkjh d`f”k laxBu
¼vkbZlh,vks½] varjkZ"Vªh; jSQslu la?k ¼vkbZvkj;w½] ,f'k;k ,.M IkSlsfQd :jy ØsfMV ,lksfl,'ku ¼,ihvkj,lh,½] ,f'k;k
,aM iSflQsd esa d`f”k lgdkjh lfefr fodkl gsrq {ks=h; usVodZ ¼,ubZMh,lh½] Hkkjrh; jk"Vªh; d`f”k lgdkjh foi.ku la?k
¼uSQsM½] jk"Vªh; fQYe o yfyr dyk lgdkjh fyfeVsM ¼,u,,Q,lh½] Hkkjrh; lgdkfjrk v/;;u lkslkbVh
¼vkbZ,l,llh½] Hkkjrh; Ik;ZVu lgdkjh fyfeVsM ¼lhvksvksihVhvks;wvkj½] varjkZ"Vªh; —f"k cSafdax lgdkfjrk o izf'k{k.k dsanz
¼lhvkbZlhVh,ch½ vkfn }kjk mlds lg;ksx ,oa lfUu/; ds fy, vkHkkjh gSA
uS¶ldkWc lHkh lnL; lgdkjh cSadksa ds eq[; dk;Zdkfj;ksa dh lfØ; Hkkxhnkjh ds dkj.k ,d la?kh; fudk; ds :Ik esa
viuh Hkwfedk izHkko'kkyh <ax ls fuHkk ldk gSA cksMZ lgdkjh lk[k {ks= esa ,d izHkkoh fudk; ds :Ik esa la?k fuekZ.k djus esa
viuh opuc)rk ds izfr viuh d`rKrk Kkfir djrk gSA funs'kd eaMy ds ikap o"kZ ds dk;Zdky esa ls djhc&djhc ikap
o"kZ lQyrkiwoZd iwjs dj fy, x, gSa o bldk iwjk Js; lHkh lnL; ,llhch dh lgk;rk dks fn;k tk ldrk gSA uS¶ldkWc
dh bl o"kZ dh csgrj dk;Z fu”iknu miyfC/k Jh ch-lqczge.;e] izca/k funs'kd ds lrr iz;klksa ,oa lefiZr lsokvksa dk
ifj.kke gSA cksMZ] mudh lsokvksa dh Hkjiwj iz'kalk djrk gSA cksMZ] lHkh Lrjksa ij deZpkfj;ksa }kjk fuHkkbZ xbZ izHkkoh Hkwfedk dh
Hkh ljkguk djrk gS ,oa vkHkkj O;Dr djrk gSA
uS¶ldkWc ds funs'kd eaMy dh vksj ls
(fnyhi la?kkuh] iwoZ lkaln] iwoZ ea=h] xqtjkr)

v/;{k
78
55 TH ANNUAL REPORT
ifjf’k”V&1
d`f”k mRiknu & ,d utj esa
¼2014&15 ls 2017&18½
¼fefy;u Vu½
Qly vafre vkdyu 2017&18
2014&15 2015&16 2016&17 y{; nwljk

vfxze
vuqeku
Pkkoy¼dqy½
105-48 104-41 109-70 108-50 108-86
[kjhQ 91-39 91-41 96-30 94-50 96-02
jch 14-09 13-00 13-40 14-00 12-84
xsgwW 86-53 92-29 98-51 97-50 96-64
eksVs vukt¼dqy½ 42-86 38-52 43-77 45-65 44-34
[kjhQ 30-94 28-15 32-44 33-75 32-77
jch 1-61 10-37 11-33 11-90 11-57
nygu¼dqy½ 17-15 16-35 23-13 22-90 22-14
[kjhQ 5-73 5-53 9-58 8-75 8-72
jch 11-42 10-82 13-55 14-15 13-41
[kk| 252-02 251-57 275-11 274-55 271-98
vukt¼dqy½
[kjhQ 128-06 125-09 138-33 137-00 137-51
jch 123-96 126-47 136-78 137-55 134-47
frygu ¼ukS½¼dqy½ 275-11 252-51 312-76 355-00 335-96
[kjhQ 191-89 166-80 215-13 254-00 239-10
jch 83-21 85-71 97-62 101-00 96-86
vU; O;kolf;d 4082-64 3889-77 3496-08 4022-00 3525-54
Qlysa ¼dqy½
xUuk 3623-33 3484-48 3060-69 3550-00 3099-84
dikl * 348-05 300-05 325-77 355-00 325-07
twV esLrk ** 111-26 105-24 109-62 117-00 100-63
* yk[k xka W B sa izR;sd 170 fd-xzk-dh
** yk[k xka W B sa izR;sd 180 fd-xzk-dh
lzksr: vFkZ'kkL= ,oa lkaf[;dh funs'kky;] —f"k ,oa lgdkfjrk] —f"k ea=ky;] Hkkjr ljdkj
http://agricoop.gov.in/sites/default/files/2ND_ADV_EST_APY_201718_E.pdf
79
NAFSCOB
Ok”kZ 1935 ls cSad nj dh fLFkfr ifjf'k”V&2

izHkkoh rkjh[k cSad nj ¼izfr’kr½
05-07-1935 3-50
28-11-1935 3-00
15-11-1951 3-50
16-05-1957 4-00
03-01-1963 4-50
26-09-1964 5-00
17-02-1965 6-00
02-03-1968 5-00
09-01-1971 6-00
31-05-1973 7-00
23-07-1974 9-00
12-07-1981 10-00
04-07-1991 11-00
09-10-1991 12-00
16-04-1997 11-00
26-06-1997 10-00
22-10-1997 9-00
17-01-1998 11-00
19-03-1998 10-50
03-04-1998 10-00
29-04-1998 9-00
02-03-1999 8-00
02-04-2000 7-00
22-07-2000 8-00
17-02-2001 7-50
02-03-2001 7-00
23-10-2001 6-50
30-10-2002 6-25
30-04-2003 6-00
2004&2005 6-00
2005&2006 6-00
2006&2007 6-00
2007&2008 6-00
2008&2009 6-00
2009&2010 6-00
2010&2011 6-00
2011&12 ¼13-02-12 ls çHkkoh½ 9-50
2011&12 ¼17-04-12 ls çHkkoh½ 9-00
2012&13 ¼29-01-13 ls çHkkoh½ 8-75
2012&13 ¼19-03-13 ls çHkkoh½ 8-50
2012&13 ¼03-05-13 ls çHkkoh½ 8-25
2012&13 ¼15-07-13 ls çHkkoh½ 10-25
2012&13 ¼20-09-13 ls çHkkoh½ 9-50
2012&13 ¼07-10-13 ls çHkkoh½ 9-00
2012&13 ¼29-10-13 ls çHkkoh½ 8-75
2013&14 ¼28-01-14 ls çHkkoh½ 9-00
2013&14 ¼01-04-14 ls çHkkoh½ 9-00
2014&15 ¼15-01-15 ls çHkkoh½ 8-75
2014&15 ¼04-03-15 ls çHkkoh½ 8-50
2015&16 ¼02&06&2015 ls çHkkoh½ 8-25
2015&16 ¼29&09&2015 ls çHkkoh½ 7-75
2016&17 ¼04-10-2016 ls çHkkoh½ 6-75
2017&18 ¼02-08-2017 ls çHkkoh½ 6-25
lzksr% fjtoZ cSad vkaW Q bafM;k
80
55 TH ANNUAL REPORT
ifjf'k"V&3
udn vkjf{kr vuqikr ¼lhvkjvkj½ dh fLFkfr&tqykbZ 1935 ls vc rd
fuoy ekax le; ns;rk ij
lhvkjvkj ¼izfr’kr½ ls izHkkoh ¼izkjaHk i{k½
d½ MhVh dk 5-00 05 tqykbZ]1935 a) 5-00% of DT July 05, 1935

izfr”kr ¼[k½ MhVh dk b) ( b) 2-00% of
2-00 izfr”kr DT
d½ MhVh dk 5-00 06 ekpZ]1960 a) 5-00% of DT March 06, 1960
izfr”kr ¼[k½ MhVh dk b) ( b) 2-00% of
2-00 izfr”kr @ DT @
d½ MhVh dk 5-00 06 ebZ]1960 a) 5-00% of DT May 06, 1960
izfr”kr ¼[k½ MhVh dk (b) 2-00% of DT @
2-00 izfr”kr@
d½ MhVh dk 5-00 uoEcj 11]1960 a) 5-00% of DT November 11, 1960
izfr”kr ¼[k½ MhVh dk (b) 2-00% of DT
2-00 izfr”kr @
3-00 16 flrEcj]1962 3.00 September 16, 1962
5-00 29 twu]1973 5.00 June 29, 1973
5-00 01 tqykbZ]1974 5.00 July 01, 1974
4-50 14 fnlEcj]1974 4.50 December 14, 1974
4-00 28 fnlEcj]1974 4.00 December 28, 1974
6-00 13 uoEcj]1976 6.00 November 13, 1976
6-00@ 14 tuojh]1977 6.00@ January 14, 1977
6-00@ 01 tqykbZ]1978 6.00@ July 01, 1978
6-00@ 05 twu]1979 6.00@ June 05, 1979
6-50 31 tqykbZ]1981 6.50 July 31, 1981
7-00 21 vxLr]1981 7.00 August 21, 1981
7-25 27 uoEcj]1981 7.25 November 27, 1981
7-50 25 fnlEcj]1981 7.50 December 25, 1981
7-75 29 tuojh]1982 7.75 January 29, 1982
7-25 09 vizSy]1982 7.25 April 09, 1982
7-00 11 twu]1982 7.00 June 11, 1982
7-50 27 ebZ]1983 7.50 May 27, 1983
8-00 29 tqykbZ]1983 8.00 July 29, 1983
81
NAFSCOB
8-50 27 vxLr]1983 8. 50 August 27, 1983

8-50@ 12 uoEcj]1983 8. 50@ November 12, 1983
9-00@ 04 Qjojh]1984 9. 00@ February 04, 1984
9-00@ 27 vDVwcj]1984 9. 00@ October 27, 1984
9-00@ 01 fnlEcj]1984 9. 00@ December 01, 1984
9-00@ 26 vDVwcj]1985 9. 00@ October 26, 1985
9-00@ 22 uoEcj]1986 9. 00@ November 22, 1986
9-50@ 28 Qjojh]1987 9. 50@ February 28, 1987
9-50@ 23 ebZ]1987 9. 50@ May 23, 1987
10-00@ vDVwcj 24]1987 10. 00@ October 24, 1987
10-00@ vçSy 23]1988 10. 00@ April 23, 1988
10-50@ tqykbZ 2 ]1988 10. 50@ July 02, 1988
11-00@ 30 tqykbZ]1988 11 . 00@ July 30, 1988
15-00@ 01 tqykbZ]1989 15. 00@ July 01, 1989
15-00@ 04 ebZ]1991 15. 00@ May 04, 1991
15-00@ 11 tuojh]1992 15. 00@ January 11, 1992
15-00@ 21 vizSy]1992 15. 00@ April 21, 1992
15-00@ 08 vDVwcj]1992 15. 00@ October 08, 1992
14-50 17 vizSy]1993 14. 50 April 17, 1993
14-50 11 twu]1994 14. 50 June 11, 1994
14-75 09 tqykbZ]1994 14. 75 July 9, 1994
15-00 06 vxLr]1994 15. 00 August 6, 1994
14-50 11 uoEcj]1995 14. 50 November 11, 1995
14-00 09 fnlEcj]1995 14. 00 December 9, 1995
13-50 27 vizSy]1996 13. 50 April 27, 1996
13-00 11 ebZ]1996 13. 00 May 11, 1996
12-00 06 tqykbZ]1996 12. 00 July 6, 1996
11-50 26 vDVwcj]1996 11 . 50 October 26, 1996
11-00 09 uoEcj]1996 11 . 00 November 9, 1996
10-50 04 tuojh]1997 10. 50 January 4, 1997
6-00 03 ekpZ] 2007 6. 00 March 03, 2007
6-25 14 vizSy]2007 6. 25 April 14, 2007
6-50 28 vizSy]2007 6. 50 April 28, 2007
7-00 04 vxLr]2007 7. 00 August 04, 2007
7-50 10 uoEcj]2007 7. 50 November 10, 2007
82
55 TH ANNUAL REPORT
7-75 26 vizSy]2008 7. 75 26-04-2008

8-00 10 ebZ]2008 8. 00 10-05-2008
8-25 24 ebZ] 2008 8. 25 24-05-2008
8-50 05 tqykbZ] 2008 8. 50 05-07-2008
8-75 19 tqykbZ] 2008 8. 75 19-07-2008
9-00 30 vxLr] 2008 9. 00 30-08-2008
8-50 11 vDVwcj] 2008 8. 50 11-10-2008
7-50 11 vDVwcj] 2008 7. 50 11-10-2008
6-50 11 vDVwcj] 2008 6. 50 11-10-2008
6-00 25 vDVwcj] 2008 6. 00 25-10-2008
5-50 08 uoEcj] 2008 5. 50 08-11-2008
5-00 17 tuojh] 2009 5. 00 17-01-2009
5-50 13 Qjojh] 2010 5. 50 13-02-2010
5-75 27 Qjojh] 2010 5. 75 27-02-2010
6-00 24 vizSy]2010 6. 00 24-04-2010
5-50 28 tuojh] 2012 5. 50 28-01-2012
4-75 10 ekpZ] 2012 4. 75 10-03-2012
4-50 22 flrEcj]2012 4. 50 22-09-2012
4-25 03 uoEcj]2012 4. 25 03-11-2012
4-00 09 Qjojh] 2013 4. 00 09-02-2013
10-00 18 tuojh]1997 10. 00 January 18, 1997
9-75 25 vDVwcj]1997 9. 75 October 25, 1997
9-50 22 uoEcj]1997 9. 50 November 22, 1997
10-00 06 fnlEcj]1997 10. 00 December 06, 1997
10-50 17 tuojh]1998 10. 50 January 17, 1998
10-25 28 ekpZ]1998 10. 25 March 28, 1998
10-00 11 vizSy]1998 10. 00 April 11, 1998
11-00 29 vxLr]1998 11 . 00 August 29, 1998
10-50 13 ekpZ]1999 10. 50 March 13, 1999
10-00 08 ebZ]1999 10. 00 May 8, 1999
9-50 06 uoEcj]1999 9. 50 November 6, 1999
9-00 20 uoEcj]1999 9. 00 November 20, 1999
8-50 08 vizSy]2000 8. 50 April 08, 2000
8-00 22 vizSy]2000 8. 00 April 22, 2000
83
NAFSCOB
8-25 29 tqykbZ]2000 8. 25 July 29, 2000

8-50 12 vxLr]2000 8. 50 August 12, 2000
8-25 24 Qjojh] 2001 8. 25 February 24, 2001
8-00 10 ekpZ] 2001 8. 00 March 10, 2001
7-50 19 ebZ] 2001 7. 50 May 19, 2001
5-75 03 uoEcj] 2001 5. 75 November 3, 2001
5-50 29 fnlEcj] 2001 5. 50 December 29, 2001
3-00 31 fnlEcj] 2001 # 3. 00 December 31, 2001 #
5-50 12 tuojh] 2002 5. 50 January 12, 2002

5-00 01 twu] 2002 5. 00 June 01, 2002
4-75 16 uoEcj] 2002 4. 75 November 16, 2002
4-50 14 twu] 2003 4. 50 June 14, 2003
5-00 02 vDVwcj]2004 5. 00 October 02, 2004
5-00 2004&2005 5. 00 2004-2005
5-00 2005&2006 5. 00 2005-2006
5-25 23 fnlEcj]2006 5. 25 December 23, 2006
5-50 06 tuojh] 2007 5. 50 January 06, 2007
5-75 17 Qjojh] 2007 5. 75 February 17, 2007
6-00 03 ekpZ] 2007 6. 00 March 03, 2007
6-25 14 vizSy]2007 6. 25 April 14, 2007
6-50 28 vizSy]2007 6. 50 April 28, 2007
7-00 04 vxLr]2007 7. 00 August 04, 2007
7-50 10 uoEcj]2007 7. 50 November 10, 2007
7-75 26 vizSy]2008 7. 75 26-04-2008
8-00 10 ebZ]2008 8. 00 10-05-2008
8-25 24 ebZ] 2008 8. 25 24-05-2008
8-50 05 tqykbZ] 2008 8. 50 05-07-2008
8-75 19 tqykbZ] 2008 8. 75 19-07-2008
9-00 30 vxLr] 2008 9. 00 30-08-2008
8-50 11 vDVwcj] 2008 8. 50 11-10-2008
7-50 11 vDVwcj] 2008 7. 50 11-10-2008
6-50 11 vDVwcj] 2008 6. 50 11-10-2008
6-00 25 vDVwcj] 2008 6. 00 25-10-2008
5-50 08 uoEcj] 2008 5. 50 08-11-2008
5-00 17 tuojh] 2009 5. 00 17-01-2009
5-50 13 Qjojh] 2010 5. 50 13-02-2010
5-75 27 Qjojh] 2010 5. 75 27-02-2010
6-00 24 vizSy]2010 6. 00 24-04-2010
5-50 28 tuojh] 2012 5. 50 28-01-2012
4-75 10 ekpZ] 2012 4. 75 10-03-2012
4-50 22 flrEcj]2012 4. 50 22-09-2012
4-25 03 uoEcj]2012 4. 25 03-11-2012
4-00 09 Qjojh] 2013 4. 00 09-02-2013
84
55 TH ANNUAL REPORT
fVIk.kh%
i Mh,y% ekWx ns;rk
ii Vh,y% le; ns;rk
iii o/kZeku ,uMhVh,y ij lhvkjvkj dh vfrfjDr udn vko”;drkvksa ds lkFkA
iv 31 fnlEcj] 2001 vuqlwfpr ,llhch ds fy, lhvkjvkj dk U;wure lkaosfnd Lrj cuk;s j[kus dh NwV okil ys
yh xbZ gS rFkk mUgs 1 tuojh] 2002 ls okf.kfT;d cSadksa ds Lrj ij yxk;k x;k gSaA
v cSad nj 6% ¼12-02-2012 rd½
vi cSad nj 9% ¼28-01-2014 ls ½
vii cSad nj 8-50% ¼04-03-2015 ls ½
viii cSad nj 8-25% ¼02-06-2015 ls½
ix cSad nj 7-75% ¼ 29-09-2015 ls½
x jsiks nj& 8% vkSj fjolZ jsiks nj 7% 28-01-2014 ls
xi jsiks nj& 7-75% vkSj fjolZ jsiks nj 6-75% 15-01-2015 ls
xii jsiks nj& 7-70% vkSj fjolZ jsiks nj 6-50% 04-03-2015 ls
xiii jsiks nj& 7-25% vkSj fjolZ jsiks nj 6-25% 02-06-2015 ls
xiv jsiks nj& 6-75% vkSj fjolZ jsiks nj 5-75% 29-09-2015 ls
xv Hkkjrh; lek”kks/ku fuxe ds lkFk ¼leikf”oZd d`r dkysVjkbtM cksajksbax ,aM ySfMax ns;rk ¼lhch,yvksa½es dkjksckj
ls mRiUu okf.kfT;d cSadksa dh ns;rk,a 21 uoEcj] 2009 ls izkjaHHk i{k ¼vkjchvkbZ e/;orhZ iquZjh{kk 27-10-2009½ ls
lhvkjvkj ds vuqj{kk ds v/khu gSA½
vuqlwfpr okf.kfT;d cSadksa ds fy, ,l,yvkj :

d½ 2008/11/08 rd ,l,yvkj & 25%
[k½ ,l,yvkj 2008/11/08 ls 2009/11/07 ds fy, & 24%
x½ 2009/11/07 ls ,l,yvkj & 25%
?k½ 2010/12/18 ls ,l,yvkj & 24%
bZ½ 11-08-2012 ls ,l,yvkj & 23%
p½ 14-06-2014 ls ,l,yvkj & 22-50%
N½ vuqlwfpr lgdkjh cSadksa ds fy, ,l,yvkj 25% gksuk tkjh gS]
t½ vuqlwfpr lgdkjh cSadksa ds fy, ,l,yvkj w-e-f- 2014/12/07 & 22-50%
i½ lgdkjh cSadksa ds fy, ,l,yvkj w-e-f- 2014/09/08 &22-00%
ts½ lgdkjh cSadksa ds fy, ,l,yvkj w-e-f- 2015/07/02&21-50%
ds½ lgdkjh cSadksa ds fy, ,l,yvkj w-e-f- 2015/07/02
,y½ lgdkjh cSadksa ds fy, ,l,yvkj
cpr cSad & C;kt nj%

d½ 4% w-e-f- 03-05-2011 vkSj 24-10-2011 rd
[k½ cpr cSad ij C;kt nj tekvksa dks fu;a=.k eqä dj fn;k x;k gS w-e-f- 25-10-2011
v½ lgdkjh cSadksa ds fy, ,l,yvkj w-e-f- 04&10&2016&20-75%
c½ lgdkjh cSadksa ds fy, ,l,yvkj w-e-f- 07&11&2016&20-50%
xSj&vuqlwfpr ,llhch,l vkSj lHkh Mhlhlhch ds fy, lhvkjvkj%
85
ifjf'k"V&4
o”kZ 2017&18 ds nkSjku ,l-Vh-¼,l,vks½ ,lVh&cqudj] ,eVh ¼? ? ?? ½ dh jkT;okj Lohd`fr vkSj mi;ksx&jkT; lgdkjh cSad
¼` yk[k esa½
daz ,l- Vh- ¼,l , vks½ ,l-Vh- ¼cqudj½ ,l-Vh- ¼vU;½ ,e-Vh- ¼#aikrj½
la jkT; dk uke Lohd`r vf/kdre Lohd`r vf/kdre Lohd`r vf/kdre Lohd`r vf/kdre
Lkhek vf/k’ks”k& Lkhek vf/k’ks”k& Lkhek vf/k’ks”k& Lkhek vf/k’ks”k&
¼mi;ksfxrk½ ¼mi;ksfxrk½ ¼mi;ksfxrk½ ¼mi;ksfxrk½
1 3 4 5 6 7 8 9 10
1 vka/kzizns”k 324000 324000 3027 2500 135000 130599

NAFSCOB
vaMeku ,ao fudksckj

2 200 200
3 vle 318 318
4 fcgkj 12091 12091
5 Nrrhlx<+ 102500 102500
6 xqtjkr 182300 182300
7 gfj;k.kk 380000 380000 20000 20000
8 fgekpy izns”k 63000 63000
9 dukZVd 353000 353000
10 dsjy 140000 140000 71000 70750
11 e/;izns'k 482000 482000 19000 18300
86
12 egkjk"Vª 344000 344000 11660 11660
13 es?kky; 700 700
14 fetksje 319 319
15 ukxkySaM 500 500
16 vksfM'kk 463067 463067
17 ikafMpsjh 61 61
18 iatkc 338116 338116 52800 52800
19 jktLFkku 554000 554000 100 100
20 flfDde 210 210
21 f=iqjk 3500 3500
22 rfey ukMw 209000 209000
23 rsyaxkuk 194000 194000 20000 20000
24 mRrj izns”k 152085 152085
25 mRrjk[kaM 62500 62500
26 if'pe caxky 138533 138533
dqy 4500000 4500000 3027 2500 317900 312549 11660 11660

l
L=ksr % ukckMZ
ifjf'k"V&5
lgdkjh fodkl fuf/k ¼lhMh,Q½ & vuqnku dk fooj.k forfjr 31 ekpZ 2018 dks
¼ ` yk[k esa½
Ikh,lh,l ds cSadks }kjk Tkudkjh dk;Z’kkyk lkQ~Vdkc lhch,l vW.M cSadks }kjk
daz - jkT; vksMhvkbZ ihMhlh Mhlhch,l izf’k{k.k ¼,lVhlhch dqy
¼Mhvks,l + ¼lhVhvkbZ½ vU;
l- fy, volajpuk izf”k{k.k nkSj vk;MhMh½ ¼,y 1 gsYi MsLd½ @lhlhch,l½
1 2 3 4 5 6 7 8 9 10 11 12 13
1 vaMeku ,ao fudksckj 4.00 0.94 0.57 0.00 0.00 0.00 2.59 0.00 0.00 0.00 8.10
2 vka/kzizns”k 9.87 14.88 0.04 9.00 0.00 52.96 5.11 0.00 0.00 0.00 91.86
3 v#.kkpy çns'k 7.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.20
4 vle 3.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.83 0.00 6.30
5 fcgkj 0.00 0.00 0.00 0.00 0.00 6.14 3.57 0.00 0.00 1.14 10.85
6 NRrhlx<+ 0.00 0.00 0.17 2.12 0.00 0.00 5.54 5.32 0.00 0.00 13.15
7 xksok 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 xqtjkr 7.39 13.37 0.00 0.00 0.17 75.26 6.11 14.58 0.00 0.00 116.88
9 gfj;k.kk 7.56 0.66 0.05 0.00 0.00 33.35 2.36 13.88 0.00 0.00 57.86
10 fgekpy izns”k 4.00 0.00 0.51 0.00 0.00 29.79 0.00 0.00 0.00 0.00 34.30
55 TH ANNUAL REPORT
11 tEew vkSj d'ehj 0.00 0.00 0.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.83
12 >kj[kaM 0.00 0.00 4.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.74
13 dukZVd 9.45 2.47 1.23 0.00 0.00 67.91 2.42 5.63 0.00 0.00 89.11
14 dsjy 9.59 -8.32 0.94 -2.92 0.00 89.97 6.14 7.91 11.30 0.65 115.26
15 0.00 0.00 1.02 0.00 0.00 23.40 22.50 146.38 0.00 0.00 193.30
87
e/;izns'k
16 egkjk"Vª 0.00 1.94 0.00 0.00 0.60 72.42 0.00 0.00 0.00 0.00 74.96
17 ef.kiqj 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 es?kky; 0.00 0.00 0.00 0.00 0.00 0.00 5.44 0.00 0.00 0.00 5.44
19 fe>ksje 10.00 2.44 0.00 0.00 0.00 0.00 9.08 0.00 0.00 1.83 23.35
20 ukxkySaM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
21 vksfM'kk 9.58 54.44 1.47 0.00 0.24 46.96 0.00 0.00 18.07 0.00 130.76
22 iatkc 7.47 0.00 0.00 6.48 0.00 84.14 0.00 0.38 0.00 0.00 98.47
23 jktLFkku 0.00 0.00 0.07 0.00 0.00 13.64 10.96 0.00 0.00 0.00 24.67
24 flfDde 1.08 0.00 0.00 0.00 0.00 0.00 4.07 0.00 0.00 0.00 5.15
25 rfeyukMq 0.00 8.00 0.00 8.61 0.00 110.97 0.00 1.20 0.00 0.00 128.78
26 rsyaxkuk 7.54 0.00 0.00 2.47 0.34 97.61 14.66 0.00 0.00 0.00 122.62
27 f=iqjk 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
28 mRrjk[kaM 1.47 0.00 0.00 0.00 0.01 7.95 10.37 0.00 0.00 0.00 19.80
29 mRrj izns”k 0.00 0.00 0.00 5.82 0.81 145.35 15.69 8.15 0.00 0.00 175.82
30 if'pe caxky 0.00 0.00 0.00 0.00 0.22 36.54 18.54 0.00 0.00 0.00 55.30
dqy 99.67 90.82 11.64 31.58 2.39 994.36 145.15 203.43 32.20 3.62 1614.6
ç/kku dk;kZy;
¼chvkbZvkjMh ¼,y,ech½] 0.00 0.00 9.41 0.00 0.00 0.00 0.00 0.00 123.40 136.25 269.06
lh&ihbZlh] ,u,chvkslh,u,l
dqy 99.67 90.82 21.05 31.58 2.39 994.36 145.15 203.43 155.60 139.87 1883.2
uksV% ¼&½ bafxr djrk gS] {ks=h; dk;kZy; }kjk myVk;k x;k çko/kku
• L=ksr % ukckMZ
ifjf’k”V & 6
fdlku dzsfMV dkMZ &izxfr & 2017&18
¼` djksM esa½
lgdkjh cSad {ks=h; xzkeh.k cSad dqy
d-
az jkT;@la?k
la tkjh dkMZ cdk;k jkf’k tkjh dkMZ cdk;k jkf’k tkjh dkMZ cdk;k jkf’k
1 vkU/kz izns”k 69746 523.22 105974 939.36 175720 1462.58

NAFSCOB
2 vaMeku, ao fudksckj }hi lewg #$ 147 0.42 0 0.00 147 0.42

3 v:.kkpy izns”k 0 0.00 0 0.00 0 0.00
4 vle 915 5.81 107152 413.18 108067 418.99
5 fcgkj 4484 12.24 53721 336.78 58205 349.02
6 NRrhlx<+ 1539 3.12 17588 56.49 19127 59.61
7 xksok 118 1.30 0 0.00 118 1.30
8 xqtjkr 11529 131.11 39224 547.45 50753 678.56
9 gfj;k.kk 213 0.22 40790 1142.59 41003 1142.81
10 fgekpy izns”k 11456 156.68 6475 528.55 17931 685.23
11 tEew vkSj d”ehj 1064 11.05 6225 60.52 7289 71.57
12 >kj[akM 606 1.77 74531 284.65 75137 286.42
13 dukZVd 215831 1365.67 132151 1526.71 347982 2892.38
14 Dsjy 128521 824.58 23492 284.20 152013 1108.78
15 e/; çns'k 447836 1171.89 19722 282.83 467558 1454.72
88
16 egkjk"Vª 61660 73.45 40077 149.91 101737 223.36
17 ef.kiqj 416 0.00 3704 10.62 4120 10.62
18 es?kky; 135 0.62 1203 5.95 1338 6.57
19 fetksje 307 1.79 4081 27.01 4388 28.80
20 ukxkySaM 0 0.00 0 0.00 0 0.00
21 ubZ fnYyh 98 1.99 0 0.00 98 1.99
22 vksfM”kk 39365 1305.74 54235 592.18 93600 1897.92
23 iqn+nqpsjh 2 0.01 102 0.97 104 0.98
24 Iaktkc 1812 11.56 12453 419.41 14265 430.97
25 jktLFkku 109021 149.89 112771 2468.06 221792 2617.95
26 flfDde 95 0.22 0 0.00 95 0.22
27 rfeyukMq 67266 711.87 56464 252.29 123730 964.16
28 rsyaxkuk 49420 236.57 92464 437.05 141884 673.62
29 f=iqjk 8626 34.24 15642 48.73 24268 82.97
30 mRrj izns”k 54760 107.05 505056 6180.70 559816 6287.75
31 mRrjk[akM 2028 5.12 685 9.00 2713 14.12
32 if”pe caXkky 40496 91.77 40518 65.44 81014 157.21
dqy 1329512 6940.97 1566500 17070.63 2896012 24011.60
lksz r% ukckMZ
jkT;okj vkSj ,tsalh&okj v‚ijsfVo / ykbo dslhlh vkSj cdk;k lap;h ifjf'k"V&7
jkf'k & 31 ekpZ 2018 ¼ ` djksM+ esa½
jkT; / dsaæ lgdkjh cSad {ks=h; xzkeh.k cSad dqy

Ø-la 'kkflr çns'k tkjh dkMZ cdk;k jkf”k tkjh dkMZ cdk;k jkf”k tkjh dkMZ cdk;k jkf”k
1 vkU/kz izns”k 1,544,869 7334.27 842,937 8132.00 2,387,806 15466.27
2 vaMeku ,ao fudksckj }hi lewg #$ 4,781 13.35 4,781 13.35
3 v:.kkpy izns”k 958 1.97 3025 13.21 3,983 15.18
4 vle 2909 11.30 284434 1036.35 287,343 1047.65
5 fcgkj 140,660 328.90 1,361,181 7958.60 1,501,841 8287.50
6 NRrhlx<+ 989,632 1,556.34 178,526 1,030.69 1,168,158 2587.03
7 xksok 2,337 19.85 2,337 19.85
8 xqtjkr 1,066,653 8559.04 304,644 4289.32 1,371,297 12848.36
9 gfj;k.kk 1,195,895 9,335.44 241,338 6,157.70 1,437,233 15493.14
10 fgekpy izns”k 92,188 1329.94 40,798 524.15 132,986 1854.09
55 TH ANNUAL REPORT
11 tEew vkSj d”ehj 11,291 58.93 64,867 607.91 76,158 666.84

12 >kj[akM 19,694 33.14 369,409 1413.42 389,103 1446.56
13 dukZVd 2,446,970 11663.82 719,319 9134.66 3,166,289 20798.48
14 dsjy 628,858 2,989.81 148,611 1274.65 777,469 4264.46
89
15 e/; izns”k 5,773,721 14970.82 501,067 6909.95 6,274,788 21880.77
16 egkjk"Vª 3,704,092 19,214.90 348,299 2,416.03 4,052,391 21630.93
17 ef.kiqj 410 0.68 8,410 25.98 8,820 26.66
18 es?kky; 16,522 31.40 19,232 98.54 35,754 129.94
19 fetksje 835 6.81 13,237 70.32 14,072 77.13
20 ukxkySaM 4,236 13.56 950 1.70 5,186 15.26
21 ubZ fnYyh 687 12.47 687 12.47
22 vksfM”kk 2,873,202 9090.23 580,740 2470.82 3,453,942 11561.05
23 iqn+nqpsjh 5,985 4.24 1,390 10.89 7,375 15.13
24 Iaktkc 953,226 7,172.79 137,513 4,591.33 1,090,739 11764.12
25 jktLFkku 3,455,438 11764.68 622,820 12732.02 4,078,258 24496.70
26 flfDde 8,423 11.09 8,423 11.09
27 rfeyukMq 1,363,780 5681.86 432,140 2760.52 1,795,920 8442.38
28 rsyaxkuk 830,197 3033.63 1,211,265 8,209.69 2,041,462 11243.32
29 f=iqjk 79,216 60.70 112,593 158.54 191,809 219.24
30 mRrj izns”k 4,467,875 5663.96 3,266,238 29677.49 7,734,113 35341.45
31 mRrjk[akM 269,300 971.21 46,575 300.56 315,875 1271.77
32 if”pe caXkky 1,539,821 3,543.65 331,881 1,356.88 1,871,702 4900.53
dqy 33,494,661 124,484.78 12,193,439 113,363.92 45,688,100 237,848.70
lksz r% ukckMZ
NAFSCOB
ifjf'k"V&8
jkT; lgdkjh cSadksa dk o"kZ 2015&16 dh rqyuk esa
o"kZ 2016&17 ds nkSjku dk;Z&fu"iknu
(31 ekpZ dh fLFkfr ) ¼ `-yk[k esa½
2015&16 ds 2016&17 ds o"kZ 2015&16 o"kZ 2015&16 dh
Ø-laa- ifjorhZ nkSjku nkSjku dh
ifjorhZ ifjorhZ rqyuk esa o"kZ rqyuk esa o"kZ
2016&17
2016&17 ds çfr'kr o`f)
nkSjku
fu"i{k o`f)
1 2 4 5 6
1- la[;k 32 32 0 0.00
2- lnL;rk ¼dqy½ 600278 716361 116083 19.34
d-lgdkjh lfefr;k¡ 21044 20097 - 947 - 4.50
[k- O;fäxr 579234 696264 117030 20.20
3- çnÙk iwath
d- dqy 465098 479776 14678 3.16
[k- blesa ls ljdkjh 88904 82398 - 6506 - 7.32
4- vkjf{kr 1282593 1224940 - 57653 - 4.50
5- tek
d- dqy 10492165 12030076 1537911 14.66
[k- blesa ls ljdkjh 3019059 3152766 133707 4.43
x- lgdkjh vkSj vU; 7473106 8877310 1404204 18.79
6- m/kkj 6735763 7369493 633730 9.41
7- dk;Zdkjh iwath 19867266 21796882 1929616 9.71
8- _.k vkSj vfxze fuxZr
d- dqy 12165633 12771641 606008 4. 98
[k- y?kq vkof/kd 9787032 10777905 990873 10.12
x- e/; vkof/kd 1479601 1359041 - 120560 - 8.15
?k- vU; 899000 634695 - 264305 - 29.40
9- cdk;k _.k
d- dqy 11830714 12295518 464804 3.93
[k- y?kq vkof/kd 8580016 8840547 260531 3.04
x- e/; vkof/kd 2143137 2256707 113570 5.30
?k- vU; 1107561 1198264 90703 8.19
10- olwy _.k 6322239 6896651 574412 9.09
11- 'ks"k ¼vfr ns;½ 292112 318775 26663 9.13
12- ekax 6614351 7215426 601075 9.09
13- vfrns; dk izfr 'kr 4-42 4.42 - 0.0 0
ekax ds izfr vfr ns;
90
55 TH ANNUAL REPORT
ifjf'k"V&9
ftyk e/;orhZ lgdkjh cSadksa dk çn'kZu 2016&17 cuke 2015&16
(31 ekpZ dh fLFkfr) ¼ `-yk[k esa½
2015&16 ds 2016&17 ds o"kZ 2015&16 o"kZ 2015&16
Ø-laa- ifjorhZ nkSjku nkSjku dh rqyuk esa dh rqyuk esa o"k
dk;Z&fu"iknu dk;Z&fu"iknu o"kZ 2016&17 2016&17 ds
ds nkSjku nkSjku
fu"i{k o`f) çfr'kr o`f)
1 2 3 4 5 6
1- la[;k 371 363 -8 - 2-16
2- lnL;rk ¼dqy½ 3208720 3233599 24879 0-78
d-lgdkjh lfefr;k¡ 486684 477444 - 9240 - 1-90
[k-lgdkjh lfefr;k¡ 2722036 2756155 34119 1-25
3- çnÙk iwath
d- dqy 1287675 1453999 166324 12-92
[k- blesa ls ljdkjh 150624 201935 51311 34-07
4- vkjf{kr 3184396 3313804 129408 4-06
5- tek
d- dqy 28260931 30920077 2659146 9-41
[k- blesa ls ljdkjh 16329765 17682425 1352660 8-28
x- lgdkjh vkSj vU; 11931166 13237652 1306486 10-95
6- m/kkj 7760608 8467991 707383 9-12
7- dk;Zdkjh iwath 40609293 45165377 4556084 11-22
8- _.k vkSj vfxze fuxZr
d- dqy 24937596 25401231 463635 1-86
[k- y?kq vkof/kd 19500830 20255562 754732 3-87
x- e/; vkof/kd 3082283 3161516 79233 2-57
?k- vU; 2354483 1984153 - 370330 -15-73
9- cdk;k _.k
d- dqy 22790186 23749291 959105 4-21
[k- y?kq vkof/kd 14597421 15280469 683048 4-68
x- e/; vkof/kd 5574921 6237719 662798 11-89
?k- vU; 2617844 2231103 - 386741 - 14-77
10- olwy _.k 16042477 16885484 843007 5-25
11- 'ks"k ¼vfr ns;½ 4031515 4923244 891729 22-12
12- ekax 20073992 21808728 1734736 8-64
13- vfrns; dk izfr 'kr 20-08 22-57 - 2-49
ekax ds izfr vfr ns;
91
NAFSCOB
ifjf'k"V&10
çkFkfed —f"k lgdkjh lfefr;ksa dk dk;Z fu"iknu
2016&17 cuke 2015&16
¼31 ekpZ dh fLFkfr½ ¼ `-yk[k esa½
2015&16 ds 2015&1
o"kZ 2015&16 dh o"kZ 2015&16 dh rqyuk
Ø- nkSjku 6 ds
ifjorhZ rqyuk esa o"kZ esa o"kZ 2016&17 ds nkSjku
laa- dk;Z&fu"ikn nkSjku
2016&17 ds nkSjku çfr'kr o`f)
u dk;Z&fu
"iknu fu"i{k o`f)
1 2 3 4 5 6
1- lfefr;ksa dh la[;k 93367 95603 2236 2.39
2- lnL;rk ( 000 )
d. dqy 127322 150533 23212 18.23
[k. buesa ,l-lh- ,l-
Vh 14942 14637 - 305 - 2.04
x. buesa ,l-Vh. 8986 20540 11554 128.57
3- çnÙk iwath
d- dqy 1228111 1403569 175458 14.29
[k- blesa ls ljdkjh 79820 80151 332 0.42
4- vkjf{kr 1216207 1625946 409739 33.69
5- tek 10106548 11972065 1865517 18.46
6- m/kkj 11269029 12397211 1128182 10.01
7- dk;Zdkjh iwath 20130441 23568013 3437571 17.08

_.k ysus okyksa dh
8- la[;k ( 000 ) 46214 69863 23648 51.17
_.k vkSj vfxze
9- fuxZr
d- dqy 18082351 20091229 2008878 11.11

15789633
[k- y?kq vkof/kd 14889199 900434 6.05
x- e/; vkof/kd 3193152 4301596 1108444 34.71
10- cdk;k _.k
d- dqy 15848725 16994232 1145507 7.23

12227302
[k- y?kq vkof/kd 11705672 521631 4.46
x- e/; vkof/kd 4143054 4766930 623876 15.06
11- olwy _.k 13989401 14631084 641683 4.59

12- 'ks"k 2988913 5384043 2395131 80.13
13- ekax 16978314 20015127 3036814 17.89

14- vfrns; dk izfr 'kr 17.60 26.90- 9.30
ekax ds izfr vfr
ns;
92
55 TH ANNUAL REPORT
ifjf'k"V&11
dsUnzh; {ks= ds varxZr vuqnku lgk;rk
o”kZ :i;s
1974-75 10,000.00
1975-76 25,000.00
1776-77 58,700.00
1977-78 63,014.00
1978-79 1,00,000.00
1979-80 1,15,000.00
1980-81 1,50,000.00
1981-82 2,40,000.00
1982-83 2,25,000.00
1983-84 2,30,000.00
1984-85 2,70,000.00
1985-86 2,92,000.00
1986-87 3,10,000.00
1987-88 3,20,000.00
1988-89 5,24,000.00
1989-90 6,25,000.00
1990-91 7,60,000.00
1991-92 10,00,000.00
1992-93 12,00,000.00
1993-94 10,00,000.00
1994-95 12,00,000.00
1995-96 15,00,000.00
93
NAFSCOB
1995-96* 10,00,000.00
1996-97 15,00,000.00
1997-98 16,00,000.00
1998-99** 11,00,000.00
1999-00 17,00,000.00
2000-01** 9,50,000.00
2001-02 9,33,000.00
2002-03 20,00,000.00
2003-04** fujad
2004-05** fujad
2005-06 20,00,000.00
2006-07 20,00,000.00
2007-08 20,00,000.00
2008-09** 15,80,000.00
2009-10 33,00,000.00
2010-11*** fujad
2011-12 16,00,000.00
2012-13 16,00,000.00
2013-14*** fujad
2014-15 5,00,000.00
2015-16 10,00,000.00
2016-17 10,50,000.00
2017-18 20,00,000.00
*Okk’kh] uoha eqEcabZ esa viuk ifjlj ysus ds fy, ,d eq’r lgk;rk
**d`f”k ea=ky;] d`f”k ,ao lgdkfjrk foHkkx] ubZ fnYyh ds ctV vkoaVu esa deh ds dkj.k
***dkj.k ugh crk, x,
94
55 TH ANNUAL REPORT
ifjf'k"V&12
uS¶LdkWc ds izac/k funs'kd ,ao vf/kdkjh ¼31 ekpZ 2018 rd½
daz -
Uk ke Iknuke O;kolkf;d bZ&esy vkbZMh
la -
1 Jh ch- lqczge.;e Ikzca/k funs’kd sbhima@nafscob.org
2 Jh ts - ,l- guke’ksV~Vh mi funs’kd shetti@nafscob.org
3 Jh eukst dqekj lgk;d funs’kd manojks@nafscob.org
4 Jh ch -ch - dne lgk;d funs’kd bbkadam@nafscob.org
5 Jh lkth Fkkel lgk;d funs’kd thomas@nafscob.org
lsok fuo`fRr ds miajkr j[kk x;k

1 Jh ds - jkekd`”.ku Ikzca/k funs’kd ramakrishnan@nafscob.org
ds oS;fDrd
lgk;d
95

NAFSCOB Annual Report 2017-18

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NAFSCOB Annual Report 2017-18

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NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.

NAFSCOB/A-9(xxix/2018-19/142 Date: 15-06-2018

The Members of the General Body of NAFSCOB

9. Any other item with the permission of the Chair.

By Order of the Board/Chairman

2. Shri Bhagat Singh Chairman

3. Shri P. Venkateswara Rao, Ex.MLA, President

Arunachal Pradesh State Cooperative Apex Bank Ltd.

5. Shri Gautam Bora, Ex. MLA, Director

6. Shri Ramesh Chandra Chaubey Chairman

Chandigarh State Cooperative Bank Ltd.

8. Shri Ashok Bajaj Chairman

9. Dr. Bijender Singh, Ex.MLA President

Haryana State Cooperative Apex Bank Ltd.

12. Shri Harsh Mahajan Chairman

13. Shri M.S. Dar Chairman

14. Shri K.N. Rajanna, MLA President

Kerala State Cooperative Bank Ltd.

Madhya Pradesh Rajya Sahakari Bank Maryadit

17. Shri Pramod Karnad Managing Director

Manipur State Cooperative Bank Ltd.

19. Shri Marchynna Syiem Chairman

20. Smt. T. Lalmuanpuii Chairperson

Nagaland State Cooperative Bank Ltd.

22. Shri Akshaya Kumar Mohanty President

Pondicherry State Cooperative Bank Ltd.

24. Shri Harbir Inder Singh Director

25. Shri Abhay Kumar, IAS Administrator

26. Shri I.B. Rai, Ex. MLA, Chairman

27. Thiru R. Elangovan President

28. Shri Konduru Ravinder Rao President

Tripura State Cooperative Bank Ltd.

30. Shri Rajesh Singh Yadav Director

31. Shri Dan Singh Rawat Chairman

West Bengal State Cooperative Bank Ltd.

2. Shri Bhagat Singh Chairman

3. Shri P. Venkateswara Rao, Ex. MLA, President

4. Shri Gautam Bora, Ex. MLA/ Director

5. Shri Ramesh Chandra Chaubey Chairman

6. Shri Ashok Bajaj Chairman

7. Dr. Bijender Singh, Ex. MLA President

8. Shri Ulhas B. Phal Dessai Chairman

9. Shri Harsh Mahajan, Chairman

10. Shri M.S. Dar Chairman

11. Shri K.N. Rajanna, MLA President

13. Shri Marchynna Syiem Chairman

14. Smt. T. Lalmuanpuii Chairperson

15. Shri Akshaya Kumar Mohanty President

16. Shri Harbir Inder Singh Director

17. Thiru R. Elangovan President

18. Shri Konduru Ravinder Rao President

19. Shri Rajesh Singh Yadav Director

20. Shri Dan Singh Rawat Chairman

1. Shri I.B. Rai, Ex.MLA, Chairman

Dileep Sanghani, Ex. M.P./Ex. Minister, Gujarat

Gautam Bora, Ex.MLA/Ex. Minister, Assam Shri. K. N. Rajanna, MLA

Ashok Bajaj B. Subrahmanyam

3. Agricultural Production from 2014-15 to 2017-18 1-2

4. Union Budget for the year 2018 – 19 2–5

Term Cooperative Credit Institutions - 2017-18 13 - 33

8. Progress and Performance of Short Term Cooperative Credit Institutions 33 - 37

9. National Federation of State Cooperative Banks (NAFSCOB) 37 - 58

10. All India Mutual Arrangement Scheme (AIMAS), NAFSCOB 58 - 60

11. Planning, Research and Development (PRD) Cell, NAFSCOB 60- 61