Äe çkLkkMkfktXk {fuoLxkE÷ Report-2020... · 2020. 8. 11. · 3 48{ku ðkr»kof ynuðk÷...

48{ku ðkr»kof ynuðk÷ 2019-20201

Äe çkLkkMkfktXk {fuoLxkE÷fku-ykuÃk.çkUf ÷e.

BANKERS :

Reserve Bank of India Ahmedabad

State Bank of India Palanpur

The Gujarat State Co-Op.Bank Ltd. Ahmedabad

The Kalupur Com.Co-Op.Bank Ltd. Ahmedabad

The Mehsana Urban Co-Op.Bank Ltd. Palanpur

The B.K. Dist Central Co.Op.Bank Ltd. Palanpur

HDFC Bank Ltd. Ahmedabad

IDBI Bank Ltd. Palanpur

STATUTORY AUDITORS :

Pipara and Co. L.L.P

Chartered Accountants

(Naman Pipara) Partner

Penal No.813

Ahmedabad.

CONCURENT AUDITORS :

Mahesh Patel and Associates


Palanpur.

TAX AND LEGAL ADVISORS :

Bakul I. Shah & Co.


Palanpur.

Est. on : 11-05-1973

Banking Lic No. ACD/GJ267P. Dt.11-05-1981(Under B.R.Act, 1949 Reserve Bank of India)

Reg.No. SE / 10906 / 1973

PAN : AAABT0111D

TAN : AHMT02151C

GSTIN No. : 24AAABT0111D1ZD

Head Office : SardarGunj Road

Palanpur - 385001

Phone : 02742 - 253849 / 251239

Fax : 02742 - 253145

E- mail : [email protected]

Website : bmcbbank.com

(1) Ahmedabad Highway Branch

Sakar Complex, Akesan Road, Palanpur - 385001

Phone : 02742 - 261708

(2) Dhundhiyawadi Branch

1st Floor, Rachana Building, Opp.Jilla Panchayat,

Palanpur - 385001

Phone : 02742 - 254243

(3) New Gunj Branch

Opp. Gunj Bazar Bhojanalay, inside Gunj Bazar,

New Gunj, Palanpur - 385001

Phone : 02742 - 252141

(4) Iqbalgadh Branch

132,133,134 Bhimnath Complex,

Frist Floor, Iqbalgadh Highway,

Iqbalgadh - 385135

Phone : 02742 - 235451

(5) Deesa Branch

1st Floor, Maheta Complex,

Near S.T. Pickup Stand,

Palanpur - Deesa Highway Deesa - 385535

Phone : 02744 - 224122



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D zehufxMko [wtxýe çkkçkíku : økwshkík hkßÞ Mknfkhe fkÞËkLkk MkwÄkhk {wsçk [k÷w ð»kuo çkuLfLkk ík{k{ çkkuzo ykuV zehufxMkoLke (Ãk) Ãkkt[ð»koLke {wËík Ãkwhe Úkíkkt [qtxýe fhðkLke ÚkkÞ Au.

yk ytøku Ãkuxk fkÞËkLkk [wtxýeLkk rLkÞ{ku íkÚkk Ãkuxk fkÞËk yLkwMkkh [wtxýeLke fkÞoðkne íkk.h6-7-h0h0Lkk hkus hk¾ðk{kt ykðu÷Au. Ãkrhýk{ nðu ÃkAe ònuh fhðk{kt ykðþu.D Mk¼kMkË fÕÞký rLkrÄ : [k÷w ð»kuo MkÇÞkuLkk yfk¤u yðMkkLk ÚkðkÚke íku{Lkk fwxwtçkesLkku WÃkh ykðe Ãkzu÷ ykfrM{f {w~fu÷eyku{kt

{ËËYÃk Úkðk íkÚkk Mk¼kMkËkuLkk çkk¤fkuLku «kuíMkkrník fhðk Mk¼kMkË fÕÞkýrLkrÄ Vtz{ktÚke fw÷ Yk.88,000/- ykÃkðk{kt ykðu÷ Au.yk ð»kuo Ãký Mk¼kMkËkuLkk çkk¤fkuLku Äkuhý-1hLkk rð¿kkLk«ðkn yu-økúwÃk, çke-økúwÃk íkÚkk Mkk{kLÞ«ðkn, Ëhuf «ðkn{kt «Úk{ Ãkkt[¢{ktfu W¥keýo Úkíkk rðãkÚkeoykuLkk Lkk{ MkkÄkhý Mk¼k{kt ònuh fhðk{kt ykðþu. Wíkeoý ÚkLkkh rðãkÚkeoykuLku ELkk{ çkUfLke nuz ykuVeMkYçkY çkku÷kðe ykÃkðk{kt ykðþu.

D LkVkLke ðnut[ýe : [k÷w LkkýktfeÞ ð»ko ËhBÞkLk ½Mkkhk íkÚkk f{o[khe MÃku.«kuíMkknLk ÃkøkkhLke òuøkðkE çkkË ykÃkýe çkuLfLkku fkÞofkheLkVku Yk.8,31,00,000/- Úkðk Ãkk{u÷ Au.

fkÞofkhe LkVku

çkkË : Yh÷ çkúkL[ çkuz yuLz zkWx Vw÷ zuçxMk «kuðeÍLk (Efçkk÷økZ þk¾k ðkr»kof Mkhuhkþ rÄhkýLkk 10%)

çkuz yuLz zkWxVq÷ zuçxMk «kuðeÍLk LkVkLkk 8.Ãk0%

MÃku~Þ÷ heÍðo ¾kíku (ELzMxÙeÞ÷ ÷kuLk-÷ktçkk økk¤kLke ÷kuLkLkk ÔÞksLkk LkVkLkk h0%)

[wfðu÷ ELf{xuûk

MxkLzzo yuMkuxMk «kuðe.0.40% (heÍðo çkUf ykuV ErLzÞkLke økkEz÷kELk {wsçk)

[kuÏ¾ku LkVku

8,31,00,000.00

1,85,31,426.00

70,63,500.00

31,23,422.00

1,89,24,815.00

19,05,837.00

3,35,51,000.00

¢{ zehufxMkoLkwt Lkk{ økwÃk

1. ©e hsLkefkLík fk¤eËkMk Ãkxu÷ 01

h. ©e rð¢{¼kE y{]ík÷k÷ Ãkxu÷ 01

3. ©e çku[hËkMk Ëuð[tË¼kE Ãkxu÷ 01

4. ©e rðLkkuË[tÿ ¼økðkLkËkMk Ãkxu÷ 0h

Ãk. ©e nehk¼kE Ãkhkøk¼kE Ãkxu÷ 0h

6. ©e rËLkuþ[tÿ çku[hËkMk Ãkxu÷ 03

7. ©e fhþLk¼kE ÷û{ý¼kE Ãkxu÷ 03

8. ©e fkLk{÷¼kE hk{MðYÃk yøkúðk÷ 04

¢{ zehufxMkoLkwt Lkk{ økwÃk

9. ©e Ãkw»fh¼kE LkhrMktn¼kE Ãkxu÷ Ãk

10. ©e fkLíke÷k÷ hkÞ[tË {kuËe 6

11. ©e Eïh¼kE ytçkkhk{¼kE Ãkxu÷ 7

1h. ©e Ëuð[tË¼kE ¼e¾k¼kE Ãkxu÷ 7

13. ©e {nuþfw{kh ÃkhMkku¥k{¼kE Ãkxu÷ 8

14. ©e{íke MkrðíkkçkuLk y{]ík÷k÷ Ãkxu÷ {rn÷k zehufxh

15. ©e{íke {eLkkçkuLk hksuLÿfw{kh Mkku{kýe {rn÷k zehufxh



D rzðeztz : [k÷w Mkk÷u Mk¼kMkËkuLku 1h% «{kýu rzðeztz [wfððk ¼÷k{ý fY Awt. Ãkhtíkw heÍðo çkutf ykuV ELzeÞkLkk ÃkrhÃkºk íkk.17yur«÷ h0h0 Úke ík{k{ çkUfkuLku heÍðo çkUfLke ÃkhðkLkøke rMkðkÞ Mk¼kMkËkuLku rzðeztz ðnU[ðkLkwt hnuþu Lkne. heÍðo çkUfLke rzðeztz[wfððkLke {tswhe {¤uÚke rzðeztz [wfðýe fhðk{kt ykðþu yLÞÚkk yk hf{ çkUfLkk MxuåÞwwxhe heÍðo Vtz ¾kíku ÷E sðk{kt ykðþu.

D ð»ko 2019-20 {kxu rLkÄkorhík ÷ûÞktfkuLke Mkk{u ÚkÞu÷e fk{økehe : çkuLf îkhk Ëh ð»kuo, ð»koLke þYykík{kt s ykøk¤Lkk ð»kuoyÃkkÞu÷k ÷ûÞktfkuLke Mkh¾k{ýeyu rMkæÄ fhu÷k ÷ûÞktfkuLke Mk{eûkk fhðk íkÚkk [k÷wt ð»ko {kxuLkk Lkðk ÷ûÞktfku ykÃkðk MktçktrÄíkf{o[kheyku MkkÚku [[ko fhðk{kt ykðu Au. ð»koLke þYykík{kt s yk fk{økehe Úkíke nkuðkÚke f{o[kheykuLku ykÞkusLk fhðk{kt Mkh¤íkkhnu Au. MkkÚku MkkÚku su þk¾kykuyu ÷ûÞktfkuLke «krÃík MktçktÄe Mkkhe fk{økehe fhe nkuÞ íku{Lku rçkhËkððk{kt Ãký ykðu Au. ð»ko h019-h0 Ëhr{ÞkLk çkuLfu {kuxk¼køkLkk ík{k{ ÷ûÞktf Mkkhe heíku rMkæÄ fÞko Au, suLkku Þþ çkuLfLkk Mkðuo f{o[kheyku, çkkuzo ykuV rzhufxMkoLkkMkÇÞku, þk¾k Mk÷knfkh Mkr{ríkykuLkk r¢Þkþe÷ MkÇÞku, økúknfku yLku þw¼uåAfkuLku òÞ Au.

D {kuçkkE÷ çkUrftøk : çkuLf îkhk Úkkuzk Mk{Þ yøkkW økúknfkuLku W¥k{ yLku ÍzÃke Mkuðkyku {¤e hnu yu nuíkwÚke {kuçkkE÷ çkUfªøk yuÃ÷efuþLkþY fhðk{kt ykðe Au. yk {kuçkkE÷ çkU®føk Mkuðk nuX¤ Vtz xÙkLMkVh, {eLkeMxux{uLx, çku÷uLMk òýfkhe, [ufçkwf ELzuLx, çkeÕMk Ãku{uLx,{kuçkkE÷ rh[kso, NEFT, IMPS suðe ½ýe MkwrðÄkyku WÃk÷çÄ Au. suLkku çkuLfLkk ðÄwLku ðÄw økúknfku ÷k¼ ÷u yuðe y{khe rðLktíke Au.

D zurçkx fkzo : çkuLfLkk YÃku zurçkx fkzoLke {ËËÚke ½ýe çkÄe MkwrðÄkyku {¤u Au. su{ fu fkuEÃký {ku÷ yÚkðk ËwfkLk{kt ÃkkuMk {þeLk MðkEÃkfhe ¾heËe fhe þfkÞ Au yLku ykuLk÷kELk þkuÃkªøk Ãký fhe þfkÞ Au. íkËTWÃkhktík huÕðu rxrfx çkwrftøk/nkux÷ çkwrftøk Ãký fhe þfkÞ Au.íku{s Þwxe÷exe çke÷ Ãku{uLx, ðe{kLkk r«r{Þ{Lke [wfðýe ðøkuhu fk{økehe Ãký fhe þfkÞ Au. yk fkzoLkku ðÄwLku ðÄw WÃkÞkuøk ykÃk Mkðuofhku yuðe y{khe rðLktíke Au. yk WÃkhktík YÃku zurçkx fkzo WÃkh fkzo ÄkhfkuLku YrÃkÞk yuf ÷k¾ MkwÄeLkku yfM{kík ðe{ku Ãký {¤u Au.

D yu.xe.yu{.fuLÿku : ykÃkýe çkuLfLkwt yíÞkh MkwÄe yuf ATM fuLÿ {wÏÞ f[uhe fkÞohík Au. Ãkhtíkw íkksuíkh{kt s Efçkk÷økZ ¾kíku yufyLÞ ATM fuLÿ xwtfs Mk{Þ{kt fkÞohík fhðk{kt ykðe hnu÷ Au. ykÃkýk ATM fuLÿku ðkíkkLkwfwr÷ík MkkÞhLkLke MkwrðÄkÚke Mkss íku{sMke.Mke.xe.ðe. fu{uhkLke MkøkðzÚke Mkwhrûkík Au. ykÃkýk ík{k{ ATM {kt nt{uþk økwýðíkk Þwfík Lkkuxku WÃk÷çÄ nkuÞ Au. yLÞ çkuLfLkkATM fkzo Ähkðíkk økúknfku ykÃkýe çkUfLkk ATM Lke Mkkhe MkuðkLku fkhýu ½ýku ÷k¼ ÷u Au. íkËTWÃkhktík ykÃkýe çkuLfLkk økúknfku ykÃkýeçkuLfLkk fuþ rzÃkkuÍex {þeLk{kt hkufz Ãký s{k fhkðe þfu yuðe MkwrðÄk ykÃkýe nuz ykurVMk ¾kíku WÃk÷çÄ Au. íkÚkk Passbook Kiosk

{þeLkÚke òíku s ÃkkMkçkwf «eLx fhe þfu íkuðe MkwrðÄk Ãký WÃk÷çÄ Au. ykÃk Mkðuo yk MkwrðÄkLkku {ník{ ÷k¼ ÷ku íkuðe rðLktíke Au.

[kuÏ¾ku LkVku :-60 (yu) «{kýu

çkkfe LkVku : 60 (çke) «{kýu

1. heÍðo Vtz 3Ãk%

2. zeðeztz 12% «{kýu ðnU[ýe fhðk

3. rþûký Vk¤ku 2.Ãk0%

4. zeðeztz Efðe÷kEÍuþLk Vtz 2%

Ãk.Ä{koËk Vtz 1%

6. ELðu. VÕfåÞwyuþLk heÍðo

7. zwçkík ÷uýkt Vtz 8%

1. rçkÕzªøk Vtz 30%

h. Mk¼kMkË fÕÞký rLkrÄ Vtz (Mk¼kMkË ¼ux) 6Ãk%

3. f{o[khe fÕÞkýrLkrÄ Vtz Ãk%

1,17,42,850.00

1,34,10,000.00

2,00,000.00

6,71,020.00

3,35,510.00

18,90,000.00

26,84,080.00

7,85,262.00

17,01,401.00

1,30,877.00

D [kuÏ¾k LkVkLke ðnU[ýe : çkuLfLkk Ãkuxk fkÞËk 60 (y) yLðÞu [kuÏ¾k LkVkLke ðnU[ýe Lke[u «{kýu fhðk çkkuzo ykuV zehufxMkoðíkeÚke ¼÷k{ý fYt Awt. su [[ko rð[khýk fhe {tswh hk¾ðk rðLktíke Au.



D E-TAX Mkuðk : ykÃkýe çkuLfLkk ¾kíkuËkhku, rðrðÄ Mknfkhe ðuhkyku Mkh¤íkkÚke ¼he þfu yu {kxu ykÃkýe çkuLf yLÞ çkuLfLkk MknÞkuøkÚke

rLk:þwÕf MkwrðÄk Ãkqhe Ãkkzu Au. yk Mkuðk îkhk ELf{xuûk, xe.ze.yuMk, S.yuMk.xe, ðux suðk ðuhkyku ¼hðkLke Mkøkðz Au. {kuxe

MktÏÞk{kt çkuLfLkk økúknfku yk MkuðkLkku ÷k¼ {u¤ðu Au.

D UPI Mkuðk : ykÃkýe çkuLf îkhk íkksuíkh{kt s UPI Lke Mkuðk Ãký þY fhðk{kt ykðe hne Au suLkk Úkfe økúknfkuLku zeSx÷ Mkuðkyku{kt yuf

Lkðku ðuøk {¤e hnuþu yLku MkkÚku MkkÚku økúknfkuLkk ÔÞðnkhku çknw Mkh¤ yLku ÍzÃke çkLkþu. UPI Úkfe økúknfku BHIM, Google Pay ðøkuhu suðk

su UPI Sathe òuzkÞu÷k Au. yuðk ík{k{ Ã÷uxVku{o Úkfe økúknfku Mkh¤íkkÚke ÔÞðnkhku fhe þfþu.UPI Úkfe {kuçkkE÷ îkhk h4*7 økúknfku

ÔÞðnkh fhe þfu Au. yLku MkkÚku MkkÚku yuf s {kuçkkE÷ Úkfe swËk swËk yLÞ ík{k{ çkuLf ¾kíkkykuLkku ðÃkhkþ fhe þfu Au. íkËTWÃkhktík

ík{k{ «fkhLkk Þwxe÷exe çke÷Lkwt Ãku{uLx Ãký fhe þfkÞ Au. ykÃk Mkðuo yk MkwrðÄkLkku {ník{ ÷k¼ {u¤ðkuu íkuðe rðLktíke Au.

D «ÄkLk{tºke ykðkMk ÞkusLkk nuX¤ MkçkMkeze : ykÃkýe çkuLf îkhk n{ýkt Úkkuzkf Mk{Þ yøkkW «ÄkLk{tºke ykðkMk ÞkusLkk nuX¤

{fkLkLke ÷kuLk Mkk{u su MkçkMkezeLkku ÷k¼ {¤u Au, yu {kxuLkku MOU fheLku yíÞkh MkwÄe ykÃkýe çkuLf{ktÚke Úkíke {fkLkLke ÷kuLk{kt su

MkçkMkezeLkku ÷k¼ Lknkuíkku {¤íkku yu ÷k¼ nðu ykÃkýe çkuLfLkk ík{k{ økúknfku fu su nðu ykÃkýe çkuLf{ktÚke Ãký òu nkWMkªøk ÷kuLk ÷uþu

íkku «ÄkLk{tºke ykðkMk ÞkusLkk nuX¤ {¤íke YrÃkÞk h.67 ÷k¾Lke MkçkMkezeLkku ÷k¼ {u¤ðe þfþu. yk Mkðuo yk MkwrðÄkLkku {n¥k{

÷k¼ {u¤ðku íkuðe rðLktíke Au.

D çkuLfLkk rzhufxMkoLku rÄhký : ykÃkýe çkuLf{kt fkuEÃký rzhufxhLku fu rhÍðo çkuLf ykuV ErLzÞk îkhk ÔÞkÏÞkrÞík íku{Lkkt Mkøkk MktçktÄeLku,

íku{Lku Ãkkuíku ykÃkýe çkuLf{kt {wfu÷ çkktÄe {wËíkLke ÚkkÃkýku Ãkh ykÃkíkk rÄhký rMkðkÞ yLÞ fkuEÃký «fkhLkwt rÄhký ykÃkðk{kt ykðíkwt

LkÚke yLku íku heíku çkuLf îkhk rhÍðo çkuLf ykuV ErLzÞkLkk ykËuþLkwt [wMíkÃkýu Ãkk÷Lk fhðk{kt ykðu Au.

D çkuLf îkhk MkhfkhLke ðe{k ÞkusLkkLkwt y{÷efhý : ònuh sLkíkkLkk ÷k¼kÚkuo ¼khík Mkhfkh îkhk ònuh fhkÞu÷e «ÄkLk{tºke Mkwhûkk

ðe{k ÞkusLkk (PMSBY) íkÚkk «ÄkLk{tºke SðLk sÞkurík ðe{k ÞkusLkk (PMJJBY) ytíkøkoík økúknfkuLku ðe{kLkku ÷k¼ ykÃkðk{kt ykðu Au.

ykÃk MkðuoLku yk ÞkusLkkLkku ÷k¼ ÷uðk rðLktíke Au.

D yx÷ ÃkuLþLk ÞkusLkk : ¼khík Mkhfkh îkhk [k÷íke yx÷ ÃkuLþLk ÞkusLkk su ykÃkýe çkuLf xwtf s Mk{Þ{kt yk ÞkusLkk y{÷{kt {wfeLku

çkuLfLkk økúknfkuLku yk ÞkusLkkLkku ÷k¼ {¤e hnu yu {kxu íkiÞkhe fhe hne Au. íkku çkuLfLkk Mk¼kMkËku yLku økúknfkuLku yk ÞkusLkkLkku ÷k¼

÷uðk rðLktíke Au.

D COVID zkuLkuþLk yLku fk{økehe : fkuhkuLkk suðe {nk{kheLkk Mk{Þ{kt Ãký ykÃkýe çkuLf MkuðkLkk fkÞo{kt yøkúuMkh hne heÍðo çkuLfLke

Mkq[Lkk yLkwMkkh çkuLf îkhk Ëh ð»ko ÃkkuíkkLkk [kuÏ¾k LkVkLkk y{wf xfkðkhe sux÷e hf{ fwËhíke ykÃkr¥k {kxu ËkLk Ãkuxu ykÃke þfu Au.

íku yLkwMkkh çkuLfu ð»ko h019-h0 Ëhr{ÞkLk Yk.Ãk,01,000/- Lkwt ËkLk COVID 2019(fkuhkuLkk) ytíkøkoík CM rh÷eV Vtz{kt çkLkkMkfktXk

SÕ÷k f÷ufxh©eLku nMíku ykÃkðk{kt ykÔÞwt.

sÞkhu Mk{Mík Ëuþ {k[o {rnLkkÚke fkuhkuLkk suðe {nk{khe{ktÚke ÃkMkkh ÚkE hÌkku níkku yLku Mk{Mík Ëuþ ÷kufzkWLk níkku yuðe

ÃkrhrMÚkrík{kt Ãký ykÃkýe çkuLfLkk ík{k{ f{o[kheøkýu ðVkËkhe Ãkqðof Ëhuf rËðMku økúknfkuLke Mkuðk {kxu ÚkELku ÃkkuíkkLkk ÃkrhðkhLke r[tíkk

fÞko ðøkh ÃkkuíkkLke Vhs ÞkuøÞ heíku rLk¼kðe níke yLku yuf Ãký rËðMk økúknfkuLku yøkðzíkk Lk Ãkzu yu heíkLke ík{k{ Mkð÷íkku Úkfe

økúknfkuLku Mkuðk Ãkwhe Ãkkze níke. yLku MkkÚku MkkÚku çkuLfLkk ík{k{ zehufxMko Ãký çkuLfLkwt fkuEÃký fkÞo Lk yxðkÞ yu nuíkw ík{k{ rLkrík

rLkÞ{kuLkwt Ãkk÷Lk fhe ík{k{ zehufxhu Ãký ykðe ¾hkçk ÃkrhrMÚkrík{kt ¾qçk s Mkkhku Mknfkh Ãkqhku Ãkkzâku níkku. yk ¾hkçk ÃkrhrMÚkrík{kt

ík{k{ f{o[kheykuyu íkÚkk zehufxhu su heíku økúknfkuLku Mkð÷íkku Ãkwhe Ãkkze yu ¾hu¾h rçkhËkððk ÷kÞf Au. yLku f{o[kheøkýLke W{Ëk

fk{økehe MkËkÞ ÞkËøkkh çkLke hnuþu. ynetÞk çkuLfLkk f{o[khe yLku zehufxMko Mkk[k yÚko{kt yuf ‘fkuhkuLkk ðkuhÞMko’ Mkkrçkík ÚkÞk yuðwt

fne þfkÞ fkhý fu ÷kufzkWLk Lkk Mk{Þ Ëhr{ÞkLk çknw ykuAk ûkuºkku yuðk níkk fu su Mkíkík [k÷w hÌkk níkk yu{ktLkwt yuf yux÷u ykÃkýwt

çkUfªøk ûkuºk.



D yk¼kh ËþoLk : çkuLfLkk fkÞoûk{ ðneðx{kt {ËËYÃk ÚkLkkh íkÚkk çkuLfLku «økríkLkk Lkðk MkkuÃkkLk Mkh fhðk{kt MknkÞ¼qík ÚkLkkh

Mk¼kMkËku, ¾kíkuËkhku, økúknfku, þw¼uåAfku yLku f{o[kheøkýLkku çkkuzo ykuV rzhufxMko ytík:fhý Ãkqðof yk¼kh {kLku Au. çkuLfLkk hkuStËk

ðneðx MkkÚku Mktf¤kÞu÷k {uLkuStøk zehufxh ©e fhþLk¼kE yu÷. Ãkxu÷u ÃkkuíkkLke ÄtÄkfeÞ fk{økehe WÃkhktík íku{Lkku rLkÞr{ík Mk{Þ

Vk¤ðe økúknfku, ¾kíkuËkhkuLkk «&™ku Wfu÷ðk íkÚkk VtzLkwt LkkýktfeÞ hkufký fhðk{kt íkÚkk çkuLfLke rÄhký ðMkw÷kíkLke fk{økehe{kt Mkr¢Þ

¼køk ¼sÔÞku Au. íkuLke yk¼kh MkkÚku LkkutÄ ÷ô Awt. çkuLfLkk ðkEMk [uh{uLk, òuELx {uLkuStøk zehufxh©e íku{s çkkuzo ykuV zehufxMkoLkk

MkkÚke MkÇÞ©eyku, Mk÷knfkh Mkr{ríkLkk MkÇÞ©eyku íkÚkk çkuLfLke ík{k{ þk¾kykuLkk þk¾ Mkr{ríkLkk MkÇÞ©eyku fu suykuyu çkuLfLkk

ík{k{ rðfkMk fkÞkou{kt ôzku hMk Ëk¾ðe, çkuLfLkk ðneðx yLku Lkerík rð»kÞf rLkýoÞku Mkw÷¼ çkLkkðeLku çkuLfLku MktøkeLk ÃkrhrMÚkrík{kt {wfe

Au. íkuykuLkk y{wÕÞ Mknfkh çkË÷ ytík:fhýÃkqðof yk¼kh {kLkwt Awt.

rhÍðo çkuLfLkk yrÄfkhe©eyku, rsÕ÷k hSMxÙkh©e, çkLkkMkfktXk rsÕ÷k çkuLf, økwshkík hksÞ Mknfkhe çkuLf íkÚkk økwshkík

yçkoLk çkuLf VuzhuþLkLkk [uh{uLk©e, çkkuzo ykuV zehufxMko íkÚkk yrÄfkheøký, çkuLfLkk ÷eøk÷ yuzðkEÍh©e, yuLSLkeÞh©e, çkuLfLkk

ðiÄkrLkf (MxuåÞwxhe) ykuzexh©e, íkÚkk fkuLfhLx ykuzexh©eLkku íkÚkk W¥kh økwshkík yçkoLk çkuLf VuzhuþLkLkk ðkEMk [uh{uLk©e íkÚkk

ykÃkýe çkuLfLkk Mk÷knfkh Mkr{ríkLkk MkÇÞ©e rþðhk{¼kE ykE.Ãkxu÷Lkku Ãký yk «Mktøku yk¼kh {kLkwt Awt. çkuLfLkk Mke.E.yku.©e

sðkçkËkh yrÄfkheyku íkÚkk f{o[khe Ãkrhðkhu çkuLfLkk hkusçkhkusLkk fkÞkou{kt yk çkuLfLku ÃkkuíkkLke s MktMÚkk økýe ¾tík yLku WíMkknÚke

ðVkËkheÃkqðof sðkçkËkheyku rLk¼kðe økúknfkuLkku rðïkMk MktÃkkËLk fhu÷ Au. suLke LkkutÄ ÷W Awt. íkÚkk ¼rð»Þ{kt Ãký çkuLfLke Wíkhkuíkh

«økrík MkkÄðk fxeçkæÄ hnu íkuðku yLkwhkuÄ fY Awt.

ytík{kt çkMk yux÷wt fu çkuLfLkku rðfkMk ykÄwrLkf rð[khÄkhk, ÃkkhËþeo ðneðx yLku Ãkrhýk{÷ûke çkUrføkLkk MktfÕÃk MkkÚku ÚkE hÌkku

Au. yk fk{økehe{kt ykÃkLkk Mkq[Lkku y{Lku {køkoËþoLk ÃkwY Ãkkzþu íkuÚke çkkuzo ykÃkLkk MknÞkuøk {kxu rðLktíke fhu Au.

MÚk¤ : Ãkk÷LkÃkwh.íkkhe¾ : 06-08-h020

fkLk{÷¼kE ykh. yøkúðk÷[uh{u™



«rík,

Mk¼kMkË©e, ík{k{.

Äe çkLkkMkfktXk {fuoLxkE÷ fku-ykuÃk. çkuLf ÷e. Ãkk÷LkÃkwh.

ykÃkLke çkuLfLkk rnMkkçke ð»ko h019-h0Lkk MxuåÞwxhe ykuzexh íkhefu y{khe {kLk. hSMxÙkh©e, Mknfkhe {tz¤eyku, økwshkík

hksÞ økktÄeLkøkhLkk íkk.17-06-h019Lkk Ãkºk ¢{ktf : yÃký / 2460 / s.4 / 771/2019 {wsçk rLk{ýwtf fhðk{kt ykðu÷ níke. íku

þhíkkuLku ykÄeLk y{kuyu y{khe ykurzx fk{økehe çkuLf îkhk ð¾íkku ð¾ík Ãkqhe Ãkkzðk{kt ykðu÷ {krníkeLkk ykÄkhu Ãkqýo fhu÷ Au. yk

MktMÚkkLkwt Ãkkfwt MkhðiÞwt, LkVk-LkwfþkLk Ãkºkf íkÚkk rnMkkçke ËVíkhLke [fkMkýe fhe y{ku y{khk yks íkkhe¾Lkk yk MkkÚku Mkk{u÷ ykurzx

{u{ku yLku Mkk{kLÞ þuhku ¼køk-1 yLku ¼køk-h Lku ykÄeLk rhÃkkuxo fheyu Aeyu fu,

(1) çkuLfLke ÔÞðMÚkkÃkf Mkr{rík îkhk çkuLfLkku ðneðxe Mknfkhe fkÞËk-fkLkqLkLke òuøkðkEyku yLku Ãkuxk rLkÞ{kuLku ykÄeLk hneLku [÷kððk{kt

ykðu Au yLku fkÞËk - fkLkqLkLke òuøkðkEykuLkwt Mkr{rík îkhk Ãkk÷Lk ÚkÞu÷ Au.

(h) çkuLfLke ÔÞðMÚkkÃkf Mkr{rík îkhk ykh.çke.ykE.Lkk ð¾íkku ð¾íkLkkt MkhfÞw÷Mko / Xhkðku yLku {køkoËþof Mkw[Lkkyku rðøkuhuLkwt Ãkk÷Lk

fhðk{kt ykðu Au.

(3) çkuLf{kt rnMkkçke ËVíkh, ðkr»kof rnMkkçkku / rnMkkçke ÃkæÄrík heÍðo çkuLf ykuV ELzeÞkLke Mkq[Lkk / Mknfkhe fkÞËkLke òuøkðkE MktË¼uo

rLk¼kððk{kt ykðu÷ Au.

(4) y{khk ykurzx heÃkkuxo / ykurzx LkkutÄ íku{s Mkk{kLÞ þuhkuLku ykÄeLk çkuLfLkwt MkhðiÞwt çkuLfLke ykrÚkof rMÚkríkLkwt ðkMíkrðf r[ºk Ëþkoðu

Au. MkhðiÞk{kt Ëþkoðu÷ {qze-Ëuðk yLku r{÷fík-÷uýkt íkÚkk LkVk-LkwfþkLkLke ÃkrhrMÚkrík ðkMíkrðf yLku ¾he Au.

(Ãk) çkuLf îkhk yuMk.yu÷.ykh. yLku Mke.ykh.ykh.Lkk Äkuhý s¤ðkÞu÷ Au.

(6) y{khk ykurzx heÃkkuxo / ykurzx LkkutÄ íku{s Mkk{kLÞ þuhkuLku ykÄeLk çkuLf îkhk ykh.çke.ykE.Lke yuLk.Ãke.yu. ytøkuLke økkEz÷kELMk

{wsçk r{÷fíkkuLkwt ðøkeofhý fhðk{kt ykðu÷ Au yLku íku ytøku y{khk yr¼«kÞ {wsçk ÃkÞkoÃík òuøkðkE fhðk{kt ykðu÷ Au.

(7) ð»ko ËhBÞkLk çkuLfLkk ÔÞðMÚkkÃkf {tz¤Lkk MkÇÞkuLku yLku íku{Lkk fwxwtçkesLkkuLku fkuE rÄhký fhu÷ LkÚke.

(8) çkuLfLkk nkuËTuËkhku fu rzhufxMko©e îkhk Mknfkhe fkÞËk-fkLkwLk fu Ãkuxk rLkÞ{kuLke òuøkðkE {wsçk økuh÷kÞfkík Ônkuhu÷ LkÚke.

(9) çkuLfLkk fkÞoðknfku îkhk ðLkxkE{ Mkux÷{uLx ÞkusLkk fu zeÃkkuÍex Mkux ykuV ÞkusLkkLke økkEz ÷kELMkLkwt Ãkk÷Lk fhðk{kt ykðu÷ Au.

(10) rnMkkçke ð»ko ËhBÞkLk ÷uýkt {ktzðk¤ fhðkLkk rfMMkkyku{kt ykh.çke.ykE.íkÚkk Mknfkh ¾kíkk îkhk EMÞw fhu÷ Mkq[LkkykuLkwt Ãkk÷Lk

fhðk{kt ykðu÷ Au.

(11) fkuxo îkhk Mk{kÄkLk {ktzðk¤Lkk rõMMkkyku{kt MktMÚkkLkwt LkkýktfeÞ neík òu¾{kÞu÷ LkÚke.

MÚk¤ : Ãkk÷LkÃkwhíkkhe¾ : h9-06-h020

ÃkeÃkkhk yuLz fkwt. yu÷.yu÷.Ãke[kxozo yufkWLxLxMk

(Lk{Lk ÃkeÃkkhk)ÃkkxoLkh

ÃkuLk÷ Lkt.813, y{ËkðkË

yuLkuûkh : RykuzexMko heÃkkuxo 2019-2020



íkk. 31-03-2020 Lkk hkus Ãkwhk Úkíkk ð»koLkwt MkhðiÞwt (MkLku 2019-2020)

31-03-2019 {qze íkÚkk Ëuðkt 31-03-2020

20,00,00,000,00 1. þuh ¼tzku¤ 20,00,00,000,00

yrÄf]ík þuh ¼tzku¤

80,00,000 þuh Ëhuf Yk. 25/-Lkku

10,22,37,850-00 h. ¼hkÞu÷ íkÚkk ðMkw÷ ykðu÷ þuh¼tzku¤ 12,11,16,250-00

Ëhuf Yk. 25/- Lkku yuðk 4844650

(økE Mkk÷ 4089514)

(9,03,41,7Ãk0-00) (y) ÔÞrfíkyku ÃkkMku 12,11,16,250-00

(ƒ) Mknfkhe MktMÚkkyku ÃkkMku

(f) hksÞ Mkhfkh©e

24,44,79,224-67 3. heÍðo íkÚkk yLÞ Vtzku 29,24,51,273-67

6,58,59,934-89 (1)heÍðo Vtz 7,34,51,636-89

31,63,450-25 (2) zeðeztz Efðe Vtz 37,46,470-25

1,34,20,558-73 (3) rçkÕzªøk Vtz 1,38,00,358-73

12,683-10 (4) Mknfkh «[kh Vtz 12,683-10

22,11,413-72 (5) Ä{koËk Vtz 19,76,923-72

7,64,17,430-78 (6) zwçkík÷uýkt Vtz 10,63,85,006-78

1,52,618-22 (7) heçkux Vtz 1,52,618-22

17,881-92 (8) MxkV økúusÞwExe Vtz 74,513-92

5,32,536-76 (9) Mk¼kMkË fÕÞký rLkrÄ Vtz 12,67,786-76

1,72,984-49 (10) MxkV ðu÷Vuh Vtz 2,36,284-49

1,28,25,000-00 (11) ELðu. VÕfåÞwyuþLk heÍðo (IFR) 1,66,25,000-00

68,46,575-00 (12) MxkLzzo yuMkuxMk (yuz) «kuðeÍLk 87,52,412-00

5,63,50,156-81 (13) ELðu. zu«eyuþLk heÍðo (IDR) 5,63,50,156-81

64,96,000-00 (14) MÃku.heÍðo «kuðe.(÷ktçkkøkk¤kLkk yuz.LkVkLkk) 96,19,422-00

24,44,79,224-67 29,24,51,273-67

h,66,9Ãk,h4,Ãk7h-69 4. ÚkkÃkýkuu :- 3,40,19,95,825-09

(1) çkktÄe{wËík ÚkkÃkýku

1,41,73,37,069-00 y. ÔÞrfíkyku 2,07,34,49,095-00

ƒ. Mknfkhe {tz¤eyku

(2)çk[ík ÚkkÃkýku

92,48,94,985-91 y. ÔÞrfíkyku 1,00,79,67,485-59

ƒ. Mknfkhe {tz¤eyku

3,01,6h,41,647-36 3,81,55,63,348-76Mkhðk¤ku ykøk¤ ÷E økÞk 3,08,14,16,580-59




31-03-2019 r{÷fík íkÚkk ÷uýkt 31-03-2020

5,07,63,955-07 1. nkÚk WÃkh rMk÷f 4,79,19,818-22heÍðo çkuLf ykuV ELze.,Mxux çkuLf ykuV ELzeÞk, ykE.ze.çke.ykE.çkUf [k÷w ¾kíku

6,31,84,866-86 ©e çk.fkt.S. {æÞMÚk Mkn çkuLf ÷e. 9,31,15,533-58 9,31,15,533-58 íkÚkk hksÞ Mkn.çkuLf ÷e. [k÷w ¾kíku2. yLÞ çkuLfku{kt rMk÷f([k÷w ¾kíkw) 1,85,46,343-04

34,27,197-00 1. Äe {nuMkkýk yçkoLk fku-ykuÃk. çkuLf ÷e. Ãkk÷LkÃkwh 1,26,78,355-001,23,733-62 2. Äe fk÷wÃkwh fku{o. fku-ykuÃk. çkuLf ÷e. y{ËkðkË 89,479-46

1,31,00,961-85 3. yu[.ze. yuV.Mke.çkuLf ÷e. y{ËkðkË. 57,78,508-58

1,66,51,892-47 1,85,46,343-043. fku÷ íkÚkk yLÞ zeÃkkuÍex 1,76,51,16,357-21

4,00,000-00 1. Äe økws.Mxux fku.ykuÃk.çkuLf ÷e.yu{.yu. Mfe{ 4,00,000-004,03,00,000-00 2. ©e çk.fkt.S.{æÞ.Mkn.çkuLf÷e.çkkt.{w.ÚkkÃký 8,38,00,000-002,00,00,000-00 3. Äe økwshkík Mxux fku-ykuÃk çkuLf ÷e.çkk.{w.ÚkkÃký 2,00,00,000-00

66,34,89,288-00 4. økðo{uLx MkefÞkuhexe 75,44,79,113-004,37,98,895-00 ….Äe {kÄðÃkwhk {fuo.fku-ykuÃk çkuLf ÷e.y{ËkðkË çkkt.{w.Úkk. 4,27,98,895-00

50,00,000-00 6. økwshkík M{ku÷ ELz. fkuÃkkou. çkkuLz 50,00,000-00- 7. ykh.E.Mke. çkkuLz 3,06,77,000-00

2,81,00,000-00 8. ykE.ze.çke.ykE.çkuLf çkkt.{w.ÚkkÃký 2,81,00,000-0021,85,45,166-50 9. xÙuÍhe çkeÕMk 47,13,03,753-2110,00,00,000-00 10. yuMk.çke.ykE.ze.yuV.yu[.ykE. fku÷ zeÃkkuÍex 8,00,00,000-00

5,11,40,518-00 11. yu[.ze.yuV.Mke.çkuLf ÷e. çkkt.{w. ÚkkÃký 5,25,57,596-008,00,00,000-00 12.{nuMkkýk yçkoLk fku.ykuÃk çkUf ÷e.çkkt.{w. ÚkkÃký 7,00,00,000-00

- 13.fk÷wÃkwh fku{o çkUf ÷e.çkkt.{w. ÚkkÃký 8,00,00,000-001,60,00,000-00 14. ykE.yuV.Mke. ykE. çkkuLz 1,60,00,000-00

2,00,00,000-00 15. yu[.ze.yuV.Mke.çkUf fku÷ -- 16. ze.Mke.çke. çkuLf çkkt.{w. ÚkkÃký 3,00,00,000-00

1,28,67,73,867-50 1,76,51,16,357-214. hkufkýku :- 2,55,000-00

2,50,000-00 1. ©e çk.fkt.S.{æÞ Mkn.çkuLf÷e.Ãkk÷LkÃkwh Lkk þuh 2,50,000-00Ëhuf Yk. hÃk/-Lkku yuf yuðk 10000/-þuh

…,000-00 2. Äe økws.Mxux fku-ykuÃk çkuLf ÷e.y’ðkËLkk þuh …,000-002,……,000-00 2,……,000-00

…. {wÏÞ / økkiý hksÞ ¼køkeËkhe VtzLkwt hkufký :-

1,41,76,29,581-90 1,92,49,53,052-05Mkhðk¤ku ykøk¤ ÷E økÞk

}



31-03-2019 {wze íkÚkk Ëuðkt 31-03-2020

3,01,62,41,647-36 Mkhðk¤ku ykøk¤ ÷kÔÞk 3,08,14,16,580-59 3,81,55,63,348-76

(3) [k÷w ÚkkÃkýk

32,72,92,517-78 y. ÔÞrfíkyku ÃkkMku 32,05,79,244-50

ƒ. Mknfkhe {tz¤eyku ÃkkMku

(4) Ãkkfe økÞu÷ ÚkkÃkýku

y. ÔÞrfíkyku ÃkkMku

ƒ. Mknfkhe {tz¤eyku ÃkkMku

2,66,95,24,572-69 3,40,19,95,825-09

5. fhs :-

heÍðo çkUf íkÚkk hksÞ Mknfkhe çkUf

- y. xwtfe {wËíkLke ÷kuLk yLku fuþ¢uzex -

ykuðh zÙkVx Ãkife

- 1. Mknfkhe fu yLÞ ò{eLkøkehe Mkk{u -

- 2. xuLSçk÷ MkefÞkuhexe Mkk{u nkEÃkku -

çkktÄe {wËík ÚkkÃký Mkk{u ykuðhzkVx

6. çkeÕMk Vkuh f÷ufþLk 1,77,156-00

- 1. ELðzo çkeÕMk Vkuh f÷ufþLk -

1,06,654-00 2. rçkÕMk f÷ufþLk 1,77,156-00

1,06,654-00 1,77,156-00

- 7. þk¾kLkk nðk÷k - -

8. {wËíkðeíke ÔÞks yuLk.Ãke.yu. 16,29,682-00

11,74,933-00 {wËíkðeíke ÔÞks yLkk{ík 16,29,682-00

49,80,682-07 9. [wfððkÃkkºk ÔÞks. 44,25,923-07 44,25,923-07

3,02,25,03,916-43 3,82,17,96,109-83


Mkhðk¤ku ykøk¤ ÷E økÞk



31-03-2019 r{÷fík íkÚkk ÷uýkt 31-03-2020

1,41,76,29,581-90 Mkhðk¤ku ykøk¤ ÷kÔÞk 1,92,49,53,052-05

6. rÄhkýku :- 1,88,07,24,262-7980,53,43,028-81 (1) xqtfe {wËík fuþ¢uzex ykuðhzÙkVx yLku 87,31,76,306-86

ðxkðu÷ rçk÷

(80,53,43,028-81) y. Mkhfkhe yLku yLÞ ò{eLkøkehe Mkk{u (87,31,76,306-86)

- ƒ.çkeS xuLSLk÷ ò{eLkøkehe Mkk{u -

- f. íkkhýðøkh ykuðhzkVx -

(1,94,31,447-40) z. íkkhý ðøkh fuþ¢uzex (1,98,29,085-30)

E. yLÞ MxkV rÄhký yuzðkLMk -

V. çkeÕMk Ãkh[uÍ -

WÃkhkufík rÄhkýku Ãkife.

(80,53,43,028-81) y. ÔÞrfíkyku ÃkkMku ÷uýkt (87,31,76,306-86)

- ƒ. su Ãkife {wËík ðeíke (2,97,796-00)

(8,42,504-00) f. ytËksu zwçkík þf{tË (20,36,624-00)27,72,25,529-13 (2) {æÞ{ {wËík÷kuLk 35,75,19,121-68

(27,72,25,529-13) 1. ÔÞrfíkyku ÃkkMku (MxkV rÄhký MkkÚku) (35,75,19,121-68)

(56,526-00) 2. su Ãkife {wËík ðeíke (8,73,994-00)

(15,30,479-00) 3. ytËksu zwçkík ÷uýkt (15,83,254-00)

51,90,95,210-50 (3) ÷ktçke {wËík ÷kuLk 65,00,28,834-25

- 1. Mkhfkhe yLku çkeS ò{eLkøkehe Mkk{u -

- 2. çkeS xuLSçk÷ ò{eLkøkehe Mkk{u -

51,90,95,210-50 1. ÔÞrfíkyku ÃkkMku (MxkV rÄhký MkkÚku) (65,00,28,834-25)

(2,56,107-00) 2. su Ãkife {wËík ðeíke (2,52,252-00)

(1,31,922-00) 3. ¾kuxk þf{tË (1,31,286-79)

1,60,16,63,768-44 1,88,07,24,262-797. {¤ðkÃkkºk ÔÞks 3,93,54,336-26

2,30,54,773-66 ÔÞks ÷uýkt 3,77,24,654-26

11,74,933-00 {wËíkðeíke ÔÞks (yuLk.Ãke.yu.) 16,29,682-00

2,42,29,706-66 3,93,54,336-26

8. çkeÕMk heMkeðuçk÷ 1,77,156-00

- y. ELðzo çkeÕMk heMkeðuçk÷ -

1,06,654-00 çk. çkeÕMk heMkeðuçk÷ 1,77,156-00

1,06,654-00 1,77,156-00

3,04,36,29,711-00 3,84,52,08,807-10





31-03-2019 {qze íkÚkk Ëuðk 31-03-2020


10. yLÞ sðkçkËkheyku :- 7,88,07,536-71

5,54,627-37 1. Ãkh[whý Ëuðk 3,89,494-29

6,78,431-00 2. zeðeztz ykÃkðkLkwt çkkfe 6,26,365-00

72,845-00 3. økkuzkWLk íkk¤k zeÃkkuÍex 96,925-00

5,47,20,316-00 4. heSÞkuLk÷ MxkV «ku.Vtz y{ËkðkË. 4,91,78,902-00

1,48,83,763-40 …. MxkV økúusÞw.Vtz yu÷.ykE.Mke.økktÄeLkøkh. 1,41,27,043-67

87,360-00 6. MkMÃkuLMk yufkWLx 98,810-00

13,29,097-62 7. Ãku M÷eÃk yufkWLx 7,65,286-92

4,88,000-00 8. ykuzex Ve ÃkuÞuçk÷ 5,25,000-00

27,284-00 9. zÙkVx ÃkuÞuçk÷ 11,824-00

18,65,505-00 10. þuh yhS 960-00

12,39,823-36 11. MxuE÷ [uf ¾kíku 3,04,456-36

1,08,815-00 1h. Mk¼kMkË ¼ux ÞkusLkk 23,241-00

3,60,550-00 13. MxkV «kuðeztz Vtz 3,54,014-00

15,000-00 14. MkçkMkeze ÃkuÞuçk÷ 15,000-00

16,377-00 1…. xuûk «kuðeÍLk 16,377-00

45,11,114-55 16. f{o[khe «kuíMkknLk MÃku.Ãkøkkh «kuðeÍLk 40,37,340-61

29,92,469-00 17. MxkV ÷eð yuLkfuþ{uLx Vtz 30,27,329-00

5,000-00 18. MxuþLkhe / xuLzh Ve 5,000-00

- 19. Mk¼kMkË ¼ux òuøkðkE 33,00,000-00

- h0. yuxeyu{ fuþ ðÄkhku 14,800-00

12,210-00 21. ÔÞðMkkÞ ðuhk ¾kíku 13,170-00

8,23,567-00 22. ELf{xuûk (TDSFDR) 11,22,193-00

7,45,786-58 23. MkrðoMk xuûk ¾kíku (GST) 4,008-60

3,54,500-00 24. MxkV ELf{xuûk (TDS) 2,73,500-00

3,78,000-00 25. ðknLk zeÃkkuÍex 4,47,000-00

- h6.yu.xe.yu{ xÙkLÍufþLk {¤ðkÃkkºk hf{ 2,100-00

- 27. hkufz xe.ze. yuMk. 27,396-26

8,62,70,441-88 7,88,07,536-71

3,10,87,74,358-31 3,90,06,03,646-54





3,04,36,29,711-00 Mkhðk¤ku ykøk¤ ÷kÔÞk 3,84,52,08,807-109. s{eLk yLku {fkLk 70,28,923-58

74,56,065-58 ÃkkA÷e çkkfe 72,95,577-58 70,28,923-58+ 4,97,895-00 W{uhku : {fkLk heLkkuðuþLk -- 6,58,383-00 çkkË ½Mkkhku -2,66,654-00

72,95,577-58 çkkfe 70,28,923-5876,39,369-64 10 .hk[h[e÷wt yLku VLkeo. íkÚkk Vef[Mko VexeøMk 77,31,094-74

6,20,667-65 1. zuz Mxkuf ÃkkA÷e çkkfe 7,93,742-65 7,53,075-75+ 2,45,411-00 LkðeLk ¾heËe + 59,290-10

-72,336-00 ½Mkkhku -1,29,657-00- ðu[ký - 300-00

7,93,742-65 7,53,075-7518,71,833-79 h. VLkeo.Vexªøk Ãkk.çkk. 20,84,198-79 25,49,259-79

4,21,462-00 LkðeLk ¾heËe + 6,92,240-00-2,09,097-00 ½Mkkhku -2,27,179-0020,84,198-79 25,49,259-79

52,60,559-20 3. MkuV zeÃkku.÷kufMko Ãkk.çkk.47,61,428-20 44,28,759-20- LkðeLk ¾heËe -

-4,99,131-00 ½Mkkhku -3,32,669-0047,61,428-20 44,28,759-20

11. Ã÷kLx yLku {þeLkhe 62,90,047-637,82,148-00 1. {kuxh ðknLk Ãkk.çkk. 10,22,716-00 10,32,138-76

+4,93,047-00 W{uhku +97,246-00-72,000-00 ðu[ký -

-1,80,479-00 çkkË ½Mkkhku -87,824-0010,22,716-00 10,32,138-7616,50,542-20 2. Ã÷kLx {þeLkhe Ãkk.çkk.17,35,235-20 18,30,013-52

+ 3,79,176-00 LkðeLk ¾heË + 4,06,992-32- 2,94,483-00 ½Mkkhku - 3,12,214-0017,35,235-20 18,30,013-5237,40,167-59 3. çkuLf fkuBÃÞwxh Ãkk.çkk. 37,65,487-59 34,27,895-35

+ 13,81,066-00 LkðeLk ¾heËe + 10,70,552-76- 13,55,746-00 ½Mkkhku - 14,08,145-00

37,65,487-59 34,27,895-3512. yLÞ ÷uýwt 2,24,165-00 6,78,95,773-49

3,75,000-00 1. MxuþLkhe Mxkuf 2,21,000-00+ 3,165-00 2. ÷kÞçkúuhe Ãkk.çkk. + 3,165-00

3,78,165-00 2,24,165-00

31-03-2019 r{÷fík íkÚkk ÷uýkt 31-03-2020

3,13,79,25,358-31 3,93,41,54,646-54





31-03-2019 {qze íkÚkk Ëuðkt 31-03-2020


11. LkVk LkwfþkLk ¾kíkwt 3,35,51,000-00

2,05,00,000-00 ÃkkA÷k MkhðiÞk {wsçk 2,91,51,000-00

-2,05,00,000-00 çkkË : ðnU[ýe -2,91,51,000-00

2,91,51,000-00 W{uhku : [k÷w Mkk÷Lkku LkVku Lk.Lkw.¾kíku Úke ÷kÔÞk 3,35,51,000-00

12. ykfrM{f sðkçkËkheyku

(67,13,000-00) 1. ykÃkðk{kt ykðíke økuhtxe ytøkuLke (59,10,810-00)

çkkfe hnuíke sðkçkËkheyku

(MktÃkqýo íkkhýðk¤e)

(1,29,24,405-00) h. fLxesLMke ÷kÞkçke÷exeÍ (1,51,98,568-00)

(RBI DEAF A/c)

3,13,79,25,358-31 3,93,41,54,646-54

y{khk yks íkkhe¾Lkk ykuzex {u{ku íkÚkk ykuzex LkkutÄLku ykÄeLk hneLku

MÚk¤ : Ãkk÷LkÃkwh

íkkhe¾ : 29-06-2020

MkneÃkeÃkkhk yuLz fkwt. yu÷.yu÷.Ãke,

[kxozo yufkWLxLxMk


Lk{Lk ÃkeÃkkhk(ÃkkxoLkh) (M) 1402344,

ÃkuLk÷ Lkt.813, y{ËkðkË.




31-03-2019 r{÷fík yLku ÷uýkt 31-03-2020


2,000-00 3. MÃku. yÄuþeoð MxuBÃk 31,250-00

93,173-00 4. xu÷eVkuLk zeÃkkuÍex 1,02,290-00

650-00 …. Ônef÷ Mk[o zeÃkkuÍex 6,700-00

24,823-00 6. Ãkh[whý ÷uýkt 23,148-00

13,93,676-72 7. MkrðoMk xuûk / GST 2,09,245-57

…00-00 8. ¼khík økuMk zeÃkkuÍex 500-00

45,839-60 9. økkuzkWLk íkk¤k zeÃkkuÍex 52,954-60

3,12,916-41 10. ELf{xuûk heMkeðuçk÷ (TDS) 19,706-40

1,08,815-00 11. Mk¼kMkË ðkMký ¼ux Mxkuf 23,241-00

442-00 12. MÃku. yÄuþeoð MxuBÃk Mku÷ 13,84,528-00

5,47,20,316-00 13. heSÞkuLk÷ MxkV «ku.Vtz y{ËkðkË 4,97,78,902-00

1,48,83,763-40 14. MxkV økúusÞwExe yu÷.ykE.Mke.økktÄeLkøkh 1,41,27,043-67

4,11,000-00 15. yuzðkLMk ELf{xuûk 4,86,185-00

3,07,608-00 16. fkuBÃÞwxh MkkuVxðuh yuzðkLMk 7,64,720-00

70,027-17 17. Ãkh[whý Õnuýkt (DEAF A/c) 25,481-19

6,748-00 18. ÷ðkË Ve zeÃkkuÍex 748-00

h4-00 19. [wfðu÷ A.T.M.,(xÙkLÍufþLk) 64,580-00

Ãk78-00 h0 PMSBY., (ELMÞwhLMk) -

49,540-00 h1. B.B.P.S., zeÃkku. (Mkðoºk xufLkku÷kuS) 11,47,148-96

26,656-00 h2. Oxigen wallets yufkWLx 23,236-10

7,28,37,261-30 6,78,95,773-49

3,13,79,25,358-31

fhþLk¼kE yu÷. Ãkxu÷{uLkuStøk zehufxh

3,93,41,54,646-54


fkLk{÷¼kE ykh. yøkúðk÷[uh{u™

hsLkefkLík fu. Ãkxu÷ðkEMk [uh{uLk

{nuþ¼kE Ãke. Ãkxu÷òu. {uLkuStøk zehufxh çkkuzo ykuV zehufxMko

(1) Ãkw»fh¼kE yuLk.Ãkxu÷(h) rËLkuþ[tÿ çke. Ãkxu÷(3) rðLkkuË[tÿ çke. Ãkxu÷(4) fkLíke÷k÷ ykh. {kuËe(Ãk) Eïh¼kE yu. Ãkxu÷(6) rð¢{¼kE yu. Ãkxu÷(7) Ëuð[tË¼kE çke. Ãkxu÷

(8) çku[hËkMk ze. Ãkxu÷(9) nehk¼kE Ãke. Ãkxu÷(10) MkrðíkkçkuLk yu. Ãkxu÷(11) {eLkkçkuLk ykh. Mkku{kýe(12) Lkxw¼kE ykE. Ãkxu÷ (fku-ykuÃx Mke.yu.)(13) {kðk¼kE yu{. {kuøkk (fku-ykuÃx.çkuLfªøk)




18,48,Ãk7,998-00 1. ÚkkÃký yLku fhs ÃkhLkwt ÔÞks 24,16,68,303-003,46,3h,1Ãk8-31 h. Ãkøkkh ¼ÚÚkk yLku «ku. Vtz 3,52,96,347-06

- 3. zehu. yLku MÚkkLkef fr{rx{kt MkÇÞ Ve ¼ÚÚkkt -45,28,021-14 4. {fkLk ¼kzw, fh, rð{k, rðs¤e ¾[o 36,69,397-50

91,000-00 …. ÷eøk÷ Ve íkÚkk xuûk ykuzex Ve 2,96,200-002,26,463-75 6. íkkh-xÃkk÷ xu÷eVkuLk ¾[o 2,35,047-775,10,000-00 7. ykuzex Ve 4,67,750-00

32,69,655-00 8. çkuLfLke r{Õfík Ãkh ½Mkkhku 27,64,342-007,24,703-62 9. MxuþLkhe r«Lxªøk yLku ònuhkík ¾[o 6,98,313-16

10. yLÞ ¾[o2,32,908-79 (1) Ãkh[whý ¾[o 4,33,821-951,85,915-00 (h) MkÇÞ Ve ÷ðks{ 1,16,262-00

66,788-09 (3) {wMkkVhe ¾[o 52,080-961,14,680-00 (4) MkkÄkhý Mk¼k ¾[o 1,87,923-52

22,67,332-88 (…) fkuBÃÞwxh {uLxuLkLMk yuLz heÃkhªøk ¾[o 19,84,270-3894,298-00 (6) f÷eÞhªøk nkWMk ¾[o 94,200-00

1,39,005-00 (7) Mkh¼hk ¾[o 1,16,472-001,44,788-90 (8) ELkkuðk økkze ¾[o 85,974-15

59,464-62 (9) {kÁríkðkLk ¾[o 77,477-806,288-00 (10) Mk¼kMkË Vkuxku ¾[o 1,140-00

1,50,341-00 (11) MxkV xÙUELkeøk / ¼híke ¾[o 3,93,421-0051,164-00 (12) fuþ fkWLxªøk {þeLk MkðeoMk ¾[o 40,230-00

2,32,453-04 (13) f{o[khe zÙuMk ¾[o 1,43,401-382,13,878-52 (14) ÷kufh heÃkuhªøk ¾[o 52,564-00

11,406-75 (15) ðuMÃkk Mfqxh ¾[o 7,230-551,67,828-86 (16) MxuBÃk VuLfªøk ¾[o 1,09,800-004,10,560-17 (17) SyuMkxe ¾[o 12,26,211-42

- (18) ELMkezuLx÷ [kSoMk -4,002-00 (19) çkUf ÔÞðMkkÞðuhk ¾[o 4000-00

18,300-00 (20) çkúkL[ Mku÷eçkúuþLk ¾[o 84,319-002,13,150-00 (21) Mknfkh «[kh ¾[o 1,52,500-00

- (22) Mk¼kMkË ¼ux ¾[o 33,00,000-0010,190-86 (h3) ¢uzex ELVkuh{uþLk ¾[o 8,203-50

- (h4) ykEykhzeyu «ðuþ Ve 40,000-00- (hÃk) MkhMkkE Ve ¾[o 1,60,000-00

47,94,744-48 88,71,504-15 88,71,504-15

60,59,800-00 11. ÷kuMk ykuV økðo{uLx MkefÞku.Mku÷ -2,37,000-00 12. r«{eÞ{ ¾[o (økðo. MkefÞkuhexe) 1,52,375-00

23,23,927-00 13. zeÃkkuÍex ELMÞw.ðe{k. r«{eÞ{ ¾[o 28,61,088-38(6,61,00,000-00) LkVku : çkuz yuLz zkWxVw÷ zuçxMk «kuðe íkÚkk ½Mkkhk (8,31,00,000-00)

- çkkË íkÚkk E.xuûk [wfÔÞk Ãknu÷kLkku fkÞofkhe LkVku -1,17,80,500-00 Yh÷ çkúkL[ çkuz yuLz zkWxVw÷ zuçxMk «kuurð. 1,85,31,426-00

56,18,500-00 çkuzyuLz zkWxVw÷ zuçxMk «kuðe.8.Ãk xfk 70,63,500-00 18,46,000-00 MÃku. heÍðo «kuðe.(÷ktçkkøkk¤k rÄhký LkVkLkk h0%) 31,23,422-0015,14,000-00 MxkLzzo yuMkuxMk (yuz) «kuðeÍLk 19,05,837-00

1,66,20,810-00 [wfðu÷ ELf{xuûk 1,93,60,387-412,91,51,000-00 LkVku MkhðiÞk{kt ÷E økÞk 3,35,51,000-00

íkk. 31-3-h020 Lkk hkus Ãkwhk Úkíkk ð»koLkk LkVk-LkwfþkLkLkku rnMkkçk

31-03-2019 ¾[o 31-03-2020

y{khk yks íkkhe¾Lkk ykuzex {u{ku íkÚkk ykuzex LkkutÄLku ykÄeLk hneLkuMÚk¤ : Ãkk÷LkÃkwhíkkhe¾ : 29-06-2020

30,87,86,281-30 38,05,16,240-43fw÷ Mkhðk¤ku

MkneÃkeÃkkhk yuLz fkwt. yu÷.yu÷.Ãke,

[kxozo yufkWLxLxMk

Lk{Lk ÃkeÃkkhk(ÃkkxoLkh) (M) 1402344,

ÃkuLk÷ Lkt.813, y{ËkðkË.



30,52,64,562-85 1.ÔÞks (hkufkýku yLku ÷kuLMk yuzðkLMkeMk) 37,35,13,995-11

7,63,447-36 h. f{eþLk nwtzeÞk{ý, Ë÷k÷e MkçkMkeze 14,21,044-47

yLku zkuLkuþLk

- 3. LkkuLk çkuLfªøk r{ÕfíkkuLkk ÷uðz-Ëuðz ðu[ký - -

Úke ÚkÞu÷ LkVku

4. yLÞ ykðf 55,81,200-85

11,49,968-99 (1) Eíkh ykðf 9,75,891-61

22,775-00 (h) þuh xÙkLMkVh Ve 7,820-00

15,750-00 (3) zeðeztzLke ykðf 15,750-00

24,690-00 (4) PMSBY/PMJJBY fr{þLk 30,352-00

44,810-96 (…) ze{ux [kso 38,904-19

97,950-00 (6) LkkuxeMk [kso (ykuðhzÞw. yufk.) 90,450-00

2,020-00 (7) çkuLf økuhtxe f{eþLk 90-00

14,079-00 (8) ELMkezuLx÷ [kso 12,392-00

5,13,241-14 (9) ATM [kSoMk yuLz heMkeÃx 1,69,931-05

- (10) «kuVex ykuV økðo. MkeõÞkuhexe Mku÷ 38,60,950-00

- (11) ¢uzex ELVh{uþLk Ve 20,360-00

8,20,000-00 (1h) P2F nkuLkuheÞ{ Ve 3,20,000-00

27,036-00 (13) r{Õfík ðu[kýÚke LkVku -

25,950-00 (14) økkuzkWLk [kSoMk 38,310-00

27,58,271-09 55,81,200-85

íkk. 31-03-h020 Lkk hkus Ãkwhk Úkíkk ð»koLkk LkVk - LkwfþkLkLkku rnMkkçk

31-03-2019 ykðf 31-03-2020

30,87,86,281-30 38,05,16,240-43

fhþLk¼kE yu÷. Ãkxu÷{uLkuStøk zehufxh


fkLk{÷¼kE ykh.yøkúðk÷[uh{u™

hsLkefkLík fu. Ãkxu÷ðkEMk [uh{uLk

{nuþ¼kE Ãke. Ãkxu÷òu. {uLkuStøk zehufxh

çkkuzo ykuV zehufxMko(1) Ãkw»fh¼kE yuLk.Ãkxu÷(h) rËLkuþ[tÿ çke. Ãkxu÷(3) rðLkkuË[tÿ çke. Ãkxu÷(4) fkLíke÷k÷ ykh. {kuËe(Ãk) Eïh¼kE yu. Ãkxu÷(6) rð¢{¼kE yu. Ãkxu÷(7) Ëuð[tË¼kE çke. Ãkxu÷

(8) çku[hËkMk ze. Ãkxu÷(9) nehk¼kE Ãke. Ãkxu÷(10) MkrðíkkçkuLk yu. Ãkxu÷(11) {eLkkçkuLk ykh. Mkku{kýe(12) Lkxw¼kE ykE. Ãkxu÷ (fku-ykuÃx Mke.yu.)(13) {kðk¼kE yu{. {kuøkk (fku-ykuÃx.çkuLfªøk)

fw÷ Mkhðk¤ku



Independent Auditor’s ReportTo,The MembersThe Banaskantha Mercantile Cooperative Bank LimitedPalanpur, Banaskantha

Report on Financial StatementsWe have audited the accompanying financial statements of The Banaskantha Mercantile Cooperative Bank Limited which comprises of the Balance Sheet as at 31stMarch 2020 and also Profit and Loss account for the year ended on 31st March 2020 and a summary of significant accounting policies and other explanatoryinformation. The return of Five Branches and Head office audited by us are incorporated in these financial statement.Management’s Responsibility for the Financial StatementsManagement is responsible for the preparation of these financial statements that give a true and fair view of financial performance and cash flows of the bank inaccordance with the requirements of the provision of Banking Regulation Act, 1949 & Gujarat Co-operative Societies act 1961, and as per guidelines issued byReserve Bank of India and Registrar of Co-operative societies from time to time along with accounting principles generally accepted in India , including the accountingstandards issued by The Institute of Chartered Accountants of India(ICAI). The responsibility also includes maintenance of adequate accounting records inaccordance with provision of the Act for safeguarding assets of the Bank and for preventing and detecting frauds and other irregularities, selection and applicationof appropriate accounting policies ,making judgements and estimates that are reasonable and prudent, and design, implementation of adequate internal financialcontrols that were operating effectively for ensuring the accuracy and completeness of the accounting records, relevant to preparation and presentation of financialstatements that give true and fair view and are free from material misstatements, whether due to fraud or error..Auditor’s ResponsibilityOur responsibility is to express an opinion on these standalone financial statements based on our audit.We conducted our audit in accordance with the Standardson Auditing issued by Institute of Chartered Accountants of India. Those standards require that we comply with ethical requirement and plan and perform the auditto obtain reasonable assurance about whether the financial statements are free from material misstatement.An audit involves performing procedures to obtain audit evidence about the amounts and the disclosures in the financial statements. The procedures selected dependon the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error, Inmaking thoserisk assessments, the auditor considers internal control relevant to the Bank’s preparation and presentation and fair presentation of financial statements, accountingpolicies used and reasonableness of accounting estimates made by the management , as well as evaluating the overall presentation of financial statements.We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.OpinionIn our opinion and to the best of our information and according to the explanation given to us , except for the effects of matter described in matter of emphasisparagraph, the said financial statements read together with significant accounting policies and notes on accounts, give the information required by the BankingRegulation Act, 1949(as applicable to co-operative societies), the Gujarat Co-operative Societies Act, 1961, the guidelines issued by Reserve Bank of India andRegistrar of co-operative societies in the manner so require and give true and fair view in conformity with the accounting principles generally accepted in India .

(i) In case of the Balance Sheet, of the state of affairs of the Bank as on 31st March 2020.(ii) In case of Profit and Loss, of the profit for the year ended on that date.(iii) In case of Cash flow Statement, of the cash flow for the year ended on that date.

Matter of EmphasisWithout qualifying the report we hereby report the following issues which are matter of emphasis and which may notedby users of the same report.

(1) GST figures shown in financial statement are not tallying with return of GST. Filing of Annual return under GST for F.Y 2019-2020 pending. It was informedto us by management that they are under process of reconciliation of GST figures. Thereby we cannot comment on GST figures shown in Financial

Statements. Difference between GST figures as per financial statement & GST portal is as under

(2) The Bank has deferred tax assets as stated by the management and therefore management has not created any provision of DTA/DTL as required by AS-22 “Accounting for Taxes on Income”.

Report on Other legal and Regulatory RequirementsAnnexure – E- (As required under Co-operative Societies Act, 1961)

We have been appointed as statutory auditor of your Bank for Financial Year 2019-2020 vide letter no 2460/J-4/771/2019 dated 17.06.2019, in terms of letterwe have completed statutory audit on the basis of books, records and verified financial statement annexures, list etc. maintained manually as well as in computerisedsystem and verified by us accordingly. The written and oral information given by the management of the Bank at the time of audit is relied by us while completingstatutory audit. After auditing the Banks Balance Sheet, profit and loss account, and other accounts and subject to notes to accounts our remark mentioned in theaudit memo part-I & part –II, Annexure A to D and other general remark we submit our report as under.

1. The Board of Directors has conducted the working of the Bank as per Bye- laws and provision of Co-operative laws/rules. The Board of Directors havefollowed rules and regulation.

Input Tax Credit as perFinancial Statement

DifferenceInput Tax Credit as per GST

portal

2,05,236,97 1,88,551.9816,685



2. The Board of directors has carried out the instructions of RBI from time to time.3. The books of accounts and accounting system are maintained as required under provision of Co-operative law and also the instruction of RBI(except

mentioned in matter of emphasis).4. Banks balance sheet reflects true and fair view of financial positions. The figure of capital, borrowings, assets, investments and profit-loss show true position.5. Bank has properly maintained SLR and CRR standards6. Bank has made proper classification of NPA as per RBI guidelines and sufficient provision are made for the same.7. As per declaration submitted by the directors none of the directors have been disqualified from acting as director of the bank, we have relied on the statement

of CEO in the same matter.8. There is no case of one-time settlement of advances and set-off of deposits against advances.9. There is no case of compromise of dues through court during the year.

Report on matters specified under Banking Regulation Act, 19491. We have obtained all information and explanation which to the best of our knowledge and belief were necessary for the purpose of audit and we have found

them to be satisfactory.2. The transactions of the bank which have come to our notice have been within powers of the bank.3. The returns received from the branch of the bank have been found adequate for the purpose of Audit.4. The profit and loss account shows true balance of profit covered under audit.

We report that for the year under audit the Bank has been awarded “A” classification

For Pipara& Co LLPChartered AccountantsF.R.N. 107929W/ W100219

Date : 29-06-2020 NamanPiparaPlace : Palanpur Partner

M.No.: 140234Panel No. 813Ahmedabad

NOTES FORMING PART OF THE ACCOUNTS FOR THE YEAR ENDED 31st MARCH -2020.

1. Basis of Preparation:The financial statements have been prepared and presented under the historical cost convention, ongoing concern and accrual basis of accounting, unlessotherwise stated in notes on accounts on a going concern basis, and are in accordance with Generally Accepted Accounting Principles in India(“GAAP”) andconform to the statutory requirements prescribed under the Banking Regulation Act,1949, circulars and guidelines issued by the Reserve Bank of India (‘RBI’)from time to time, the Accounting Standards (‘AS’) issued and the guidelines issued by the Institute of Chartered Accountants of India (‘ICAI’) and currentpractices prevailing in co-operative banks within the banking industry in India.

2. Use of Estimates:The preparation of the financial statements, in conformity with generally accepted accounting principles (‘GAAP’), requires management to make estimates andassumptions considered in the reported amount of assets and liabilities (including contingent liabilities) as of the date of the financial statements and the reportedincome and expenses for the reporting period. Management believes that the estimates used in the preparation of the financial statements are prudent andreasonable. Actual results could differ from those estimates. Any revision in the accounting estimates is recognized prospectively in the current and futureperiods.

(A) SIGNIFICANT ACCOUNTING POLICIES:

(i) Accounting Convention:

The financial statements are drawn up in accordance with the historical cost convention, going concern concept and accrual basis of accounting unless otherwisestated and are in accordance with generally accepted accounting principles and practices prevailing in the Co-operative Banks in India, Statutory provisions andguidelines issued by RBI except otherwise stated.

(ii) Advances:(a) The classification of advances into Standard, Sub-standard, Doubtful and Loss assets as well as provision on non-performing advances have been arrived at

in accordance with the guidelines issued by the RBI from time to time. In addition to this, a general provision on standard assets has been made as per RBIguidelines from time to time.

(b) The overdue interest in respect of non-performing advances is provided separately under ‘Overdue Interest Reserve’ as per the directives issued by RBI.

(c) NPA ProvisionProvisions for losses made on non-performing advances are on the basis of assets classification and provisioning requirements as per the prudential normsprescribed by the Reserve Bank of India and revised from time to time after considering events occurring after the balance sheet date as under :-



1 Standard Assets

(a) Direct advance to Agriculture & SME sectors 0.25%

(b) Commercial Real Estate(CRE) Sector 1.00%

(c) Commercial Real Estate- Residential Housing sector (CRE-RH) 0.75%

(d) All other loans and advances not included in above 0.40%

2 Sub-Standard Assets 15%

3 Doubtful Assets

Unsecured 100%

Secured

Up to 1 Year 25%

Above 1 year & up to 3 years 40%

Above 3 years 100%

4 Loss Assets 100%

(d) Provision carried in accounts as required under the prudential norms prescribed by the Reserve Bank of India, which are considered as earmarked reservesare as follows :-• Special Bad Debt Reserve• Bad Debts Reserve.• Provision against Standard Reserve• Overdue Interest Reserve

(e) Advances are stated at gross value and the provisions of NPA and provision for Standard Assets are shown under the head “Reserve Fund”.(f) Overdue Interest on NPA is credited to “Overdue Interest Reserve” account as per Directives of RBI.(g) Amounts realized/recovered in case of NPA are first adjusted against outstanding Interest amount.(h) Provision for Standard Assets is made as per RBI guidelines.(i) No Account has been restructured during the year.(iii) Fixed Assets And Depreciation :

(a) Fixed Assets, other than those that have been revalued, are carried at historical cost less depreciation accumulated thereon. Cost includes the incidentalstamp duty, registration charges and civil work in case of ownership premises, and in case of other fixed assets, amounts incurred to put the asset ina working condition.

(b) Depreciation is charged over the estimated useful life of the fixed asset on written down value (WDV) except on Computer & Peripherals includingsoftware on which depreciation is charged according to straight line method (SLM) @ 40 %

(c) The Depreciation on Fixed assets is calculated on the basis of methods and rates as mentioned below:-

(d) Depreciation on fixed assets purchased during the year is charged for the entire year if the asset is purchased and retained for 180 days or more;otherwise it is charged at half the rates as mentioned in para- (iii) (c).

(e) Depreciation is charged on fixed assets sold during the year till date of sale of said assets.(iv) Investments :

(a) Categorization of investment - The entire Investment portfolio of the bank is classified in accordance with the Reserve Bank of India guidelines in tothree Categories. :-1• “Held to Maturity”-Comprising of investment acquired with the intention to hold them till maturity.• “Held for Trading”-Comprising of investment acquired with the intention to trade.• “Available for Sale”- Comprising of investment which is not classified in above two categories.

(b) Classification of Investments- For the purpose of disclosure in the Balance Sheet, investments have been classified under following groups as under:-• Government Securities• Other Trustee Securities• Shares in Co-operative Institutions

Sr.No

1 Premises 10 %

2 Dead Stock 10 %

3 Furniture & Fixtures 10 %

4 Vehicles 15 %

5 Safe Deposit Vault 10%

6 Computers, computer 40 %

peripherals and Computer Software

Fixed Asset Depreciation Method used Rate of Depreciation

WDV

WD

V



(c) Investment classified as “Held to Maturity” are carried at face value and the premium paid is amortized over a period remaining to maturity, with a debitto Profit & Loss Account. The book value of security is reduced to the extent of amount amortized during the relevant accounting period.

(d) Investment classified as “Available for Sale” – each security in this category is valued at the market price at the rate declared by Primary DealersAssociation of India (PDAI) jointly with Financial Benchmarks India Private Ltd. (FBIL) at the end of the financial year and the net resultant depreciationin each classification is recognized in the profit and loss account. Net Appreciation, if any, is ignored. Surplus/deficit on disposal of investment is takento profit and loss Account.

(e) Unquoted Equity Shares are valued at cost.(f) Brokerage and commission pertaining to investments, paid at the time of acquisition, are charged to Profit and Loss account.(v) Revenue Recognition :

Income – expenditure are accounted on accrual basis except the following which are accounted for on cash basis.(a) Income

• Income from non-performing assets is recognized to the extent realized, as per the directives issued by RBI.• Commission, Brokerage and Exchange• Interest on Non-Performing Assets• Dividend on investments

(b) Expenditure• Municipal Tax Expenses, Insurance Premium Expenses, Annual Maintenance Contract Expenses and Lease Line Rental Expenses.• Legal charges.• DICGC Premium.

(vi) Employee Benefits :Short Term employee benefits

• Wages, salaries paid, annual leave and sick leave bonuses and non monetary benefits are occurred in the year in which the services arerendered by the employees and are accounted on accrual basis.

Defined Contribution Plans• Contribution to Employees Provident Fund is made as per Provident Fund rules with Employees provident fund Commissioner and is recognized in

the Profit & Loss Account on accrual basis.• Bank has entered into an agreement for payment of Gratuity to its staff with Life Insurance Corporation under which a defined contribution is to be

made by the bank based on Projected Unit Credit Method and Actuarial Assumptions.• Bank has entered into an agreement for payment of Leave encashment to its staff with Life Insurance Corporation under which a defined contribution

is to be made by the bank based on Projected Unit Credit Method and Actuarial Assumptions.(vii) Intangible Assets :

Intangible Assets consist of Computer Software Expenses which are amortized equally over a period of 3 financial years.(viii) Events occurring after the balance sheet date :

Material adjusting events (that provides evidence of condition that existed at the balance sheet date) occurring after the balance sheet date arerecognized in the financial statements.Non adjusting events (that are indicative of conditions that arose subsequent to the balance sheet date) occurring after the balance sheet date thatrepresents material change and commitment affecting the financial position are disclosed in the reports of the Board of Directors.

(ix) Accounting for taxes on incomea. Income Tax expense comprises of Current Tax, and Deferred Tax. Current Tax is provided for and Deferred Tax is accounted for in accordance with

the applicable provisions of the Income Tax Act, 1961 and Rules framed there under.b. Provision for Current Tax is made on the basis of estimated taxable income for the year.c. Deferred Tax is recognized, subject to consideration of prudence, on account of timing differences between the book profits and the taxable profits.

The tax effect of timing differences between the book profits and taxable profits measured using the tax rates and tax laws that have been enactedor substantially enacted at the Balance Sheet date are reflected through Deferred Tax Asset (DTA)/Deferred Tax Liability (DTL). DTA is recognizedonly to the extent that there is reasonable certainty that the asset would be realized in near future. As per the management guidance there is nosubstantial DTL and therefore there is no liability of the same which has been created in the books by the bank.

(x) Impairment of AssetsAt each balance sheet date the bank assesses whether there is any indication that an asset may be impaired. If any indication exists, the recoverableamount of the assets is estimated. An impairment loss is recognized immediately, whenever the carrying amount of an asset exceeds its recoverableamount. The recoverable amount is the greater of net selling price and value in use. In assessing value in use estimated future cash flows are discountedto their present value based on appropriate discount factor.

(xi) Provisions, Contingent Liabilities and Contingent AssetProvisions involving substantial degree of estimation in measurement and are recognized when there is a present obligation as a result of past eventsand it is probable that there will be an outflow of resources even though the amount cannot be determined with certainty and represents only a bestestimate in the light of available information. Contingent liabilities are not recognized but are disclosed in the notes. Contingent assets are neitherrecognized nor disclosed in the financial statements.

(B) NOTES ON ACCOUNTS: -(a) The Bank is registered under The Gujarat State Co-operative Societies Act, 1961.(b) Since the bank has ascertained that there is no material impairment of any of its assets, no provision on account of impairment of assets is required

to be made.



(c) Balance of Deposits & Advances are subject to confirmation by the parties.(d) The Bank does not pay any remuneration to its Chairman or Managing Director and therefore no details thereof are given in terms of Reserve Bank

of India’s circular dated 29.03.2003.(e) Bank has deposited premium of Rs.33,74,876/- for the year 2019-2020 with DICGC. (previous Year Rs.27,42,236/-)(f) No penalty is imposed by RBI during the year for violation of any law.(g) Contingent Liabilities

(i) Capital contracts remains to be executed : Rs. Nil(ii) Depositor Education And Awareness Fund (DEAF) Scheme-2014

Rs.in Lacs

(h) The Bank has not made disclosure of As 18 relating to Related Party Disclosures in the financial statements prescribed by the Institute of CharteredAccountants of India as applicable to it. The effect of non-compliance of the above mentioned Accounting Standard on Assets, Liabilities and Profitof the Bank could not be ascertained.

(i) AS – 20 on Earning per Share- as issued by Institute of Chartered Accountants of India.

(j) AS – 22 on Accounting for Taxes on Income

In accordance with the Accounting Standard 22, “Accounting for Taxes on Income” Deferred tax Assets/Liabilities are to be recognized. DeferredTax Assets has to be recognized to the extent management is reasonable certain of its realization. No effect has been given in the books ofaccounts due to Deferred Tax Assets.

The major components Deferred Tax Assets/Liabilities as recognized in these accounts are as follows: (In Rs.)

(K) Previous Year’s figures have been regrouped / rearranged to the extent necessary to confirm to these Year’s classification and balances of Depositsand Advances are subject to confirmation.

(L) The Priority Sector advances are 73.19% of total advances as against requirement of 40 % as per RBI guidelines; Advances to weaker section are12.70% of Priority Sector Advances as against requirement of 10 %.

(M) Figures are rounded off to the nearest rupee & have been regrouped wherever necessary.(N) Bank is not authorized to deal in foreign exchange.

Particulars Year Ended 31st March,2020 Year Ended 31st March,2019

DEAF Fund 151.99 129.25

Particulars

Provision for Deferred tax Liability

AmountFY 2019-20

AmountFY 2018-19

- -

Particulars

Net Profit after Tax

No. of shares issued (Face Value Rs.25/-)

EPS Basic and Diluted (in Rs.)

(Weighted average to value of share)

Current Year2019-20

Previous Year2018-19

335.51

4844650

6.93

291.51

4089514

7.13



(C) DISCLOSURE OF BALANCESHEET INFORMATION IN TERMS OF THE RBI CIRCULAR

i. Capital to Risk Asset Ratio -Required 9.00% 9.00%

Movement of CRAR 13.10% 13.35%

ii. Investment :

(a) Book value of investment 12257.83 8820.36

(b) Face value of investment 12308.98 8901.98

(c) Market value of investment 12616.17 8884.11

(d) Detail of Issuer composition of non-SLR investment

31-03-2020Figures in Lacs

31-03-2019Figures in Lacs

1 PSU Bonds Nil Nil Nil Nil

2 Nationalized Banks Nil Nil Nil Nil

3 Others 519.32 Nil 52.55 52.55

4 Provision held towards Depreciation 50.00 Nil Nil 50.00

Non performing non-SLR Investments :

Particulars Amount in Lacs

Opening balance 50.00

Addition during the year Nil

Reduction during the above period Nil

Closing Balance 50.00

Total Provision held 50.00

iii Advances against Real Estate, Construction Business, Housing 2171.58 1262.61

iv Advances against shares & debentures Nil Nil

V Advances to Directors, their relatives, Companies/firms in which Nil Nil

they are interested : (Against, FDR, LIC Policies) Nil Nil

(a) Fund based Nil Nil

(b) Non Fund based (Guarantees, LIC, etc.) Nil Nil

Interest paid to Directors 0.78 0.71

vi Cost of Deposits : Average cost of deposits 5.92% 5.49%

vii NPAs: (a) Gross NPAs 37.51 25.05

Percentage to Gross Advance : 0.20% 0.16%

(b) Net NPAs 0.00% 0.00%

viii Movement in NPAs : Opening Balance 25.05 21.26

Addition During the year 18.05 4.74

Deduction during The year 5.59 0.95

Closing Balance 37.51 25.05

No. Issuer Amount Extent of belowInvestment grade

Securities

Extent of unratedSecurities

Extent of unlistedSecurities



ix Profitability :

(a) Interest income as a percentage of Working funds 9.65% 9.95%

(b) Non interest income as a percentage of Working funds 0.18% 0.11%

(c) Operating profit as a percentage of Working funds 2.15% 2.16%

(d) Return on Assets 2.41% 2.09%

(e) Business (Deposit + Advances) per employee 978.28 871.67

(f) Profit per employee 6.21 5.94

X Provisions made towards NPAs and Depreciation in 563.50 563.50

Investments

Movement in provisions (a) Towards NPAs 1160.05 829.13

(b) Towards Depreciations 563.50 563.50

(c) Towards Standard Assets 87.52 68.47

xi Payment of DICGC Insurance Premium 15-05-2019 04-04-2018

06-11-2019 03-10-2018

xii Penalty imposed by RBI Nil Nil

xiii Restructured Accounts Nil Nil

xiv Fixed Assets – Valuation / Revaluation N.A N.A

xv DEAF A/c Amount transfer to DEAF 9188 8118

151.99 129.24

Place: PalanpurDate: 29-06-2020

For,Pipara & Co LLPChartered Accountants

NAMAN PIPARA

Partner

Membership No.140234

Panel No. 813

Ahmedabad



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1. rhÍðo çkUf ykuV ELzeÞkLkk ykËuþ {wsçk fkuEÃký «fkhLkk ÚkkÃký ¾kíkk{kt AuÕ÷k ËMk ð»koÚke ÔÞðnkh Lk ÚkÞu÷ nkuÞ íkuðk ík{k{ «fkhLkk¾kíkkykuLke hf{ ‘‘zeÃkkuÍexh yusÞwfuþLk yuLz yðuhLkuMk Vtz Mfe{-h014’’ (zuVx) ¾kíku Ëh {kMku rhÍðo çkUf{kt xÙkLMkVh Úkíkwt nkuEykÃkLkk ¾kíkk{kt KYC Lke Ãkqíkoíkk fhe ¾kíkwt rLkÞ{eík fhðk rðLktíke Au.

h. rhÍðo çkUf ykuV ELzeÞkLkk ykËuþ {wsçk r«ðuLMkLk ykuV yuLxe{Lke ÷kuLzÙetøk yufx (PMLA) h00h yLðÞu MktÃkqýo Ãkk÷Lk fhðwt VhSÞkíkAu. su fkuEÃký ¾kíkuËkhkuyu / Mk¼kMkËkuyu KYC LkkuBMko {wsçk sYhe ËMíkkðuS Ãkwhkðk çkUf{kt hsw Lk fÞko nkuÞ íkuykuyu sYhe ËMíkkðuS Ãkwhkðkíkkífk÷ef çkUf{kt hsw fhðk rðLktíke Au.1. íkksuíkhLkk ÃkkMkÃkkuxo MkkEÍLkku htøkeLk 1 Vkuxku.h. ÃkkLkfkzo, {íkËkLk fkzo, ÃkkMkÃkkuxo, ykÄkh fkzo, zÙkÞðªøk ÷kÞMkLMk, Mkhfkh {kLÞ yku¤¾ fkzo Ãkife fkuEÃký yufLke Íuhkuûk.3. íkksuíkhLkk xu÷eVkuLkçke÷, ÷kExçke÷ nkWMkxuûk Ãkife fkuEÃký yufLke Íuhkuûk

[k÷w ¾kíkk {kxu ðÄkhk{kt BÞwrLkþeÃk÷ LkkutÄýe «{kýÃkºk, MkuÕMkxuûk / ELf{xuûk, Mke.yu. Mkxeo, ÄtÄkLku ÷økíkwt yLÞ LkkutÄýe ÷kÞMkLMkÃkife çkuLke Íuhkuûk, íkÚkk ¼køkeËkhe ÃkuZe {kxu ðÄkhk{kt ¼køkeËkhe ÃkuZeLkk ËMíkkðusLke Íuhkuûk. su Ãký ËMíkkðusLke Íuhkuûk hsw fhðkLkenkuÞ íku ËMíkkðusLke yMk÷ fkuÃke çkUf{kt MkkÚku ÷kððe VhSÞkík Au.KYC LkkuBMkoLke Ãkwíkoíkk Lk fhu÷ ík{k{ ¾kíkkykuLkku ÔÞðnkhíkk.01-04-h011 Úke økúknfLkk Mð¾[uo, òu¾{u MktÃkwýo sðkçkËkheyu MÚkrøkík Au. suLke LkkutÄ ÷uðk rðLktíke Au.

3. Mk{ksLkku LkkLkk{kt LkkLkku {kýMk Ãký çkUfªøk MkuðkLkku ÷k¼ {u¤ðe þfu íku nuíkwMkn ykÃkýe çkUf{kt ‘0’ Íehku çku÷uLMkÚke “No Frill” çk[ík ¾kíkk¾ku÷ðk{kt ykðu Au. suLkku ÷k¼ ÷uðk rðLktíke Au.

4. su fkuE Ãký ÃkuZe / ÔÞrfík Mk¼kMkËLkk ¾kíkk çkUf{kt Lk ¾ku÷kðu÷ nkuÞ íku{ýu ÃkkuíkkLkk ¾kíkk Mkíðhu LkSfLke þk¾k{kt ¾ku÷kððk rðLktíke Au.suÚke rzrðzLz íku ¾kíkk{kt s{k ykÃke þfkÞ. íkÚkk çkUf îkhk yÃkkíke Mk¼kMkË ¼ux ¾kíkw Ähkðíkk Mk¼kMkËLku s ykÃkðk{kt ykðu Au. suLke LkkutÄ÷uðk rðLktíke Au.

Ãk. çkUfLkk ík{k{ Mk¼kMkËkuLku sýkððkLkwt KYC LkkuBMkoLke Ãkwíkoíkk VhSÞkík nkuE sYhe ËMíkkðus çkUf{kt hsw fhðk rðLktíke Au.6. su ¾kíkuËkhku / Mk¼kMkËkuyu nS MkwÄe ‘‘Lkku{eLkuþLk’’Lke MkwrðÄk ÷eÄe LkÚke íku{ýu yk ytøkuLkwt rLkÄkoheík Vku{o ¼he ‘‘Lkku{eLke’’ Lke rLk{ýwtf

fhkðe ÷uðk rðLktíke Au.7. x{o zeÃkkuÍex fu hefhªøk zeÃkkuÍex ¾kíkuËkhLkk çkuLfLkk ík{k{ ¾kíkkLkwt MktÞwfík ÔÞks ðkr»kof Yk. 40,000/- fu íkuÚke ðÄw Úkíkwt nkuÞ MkeLkeÞh

MkexesLk {kxu Ãk0,000 yLku íku{Lke ÔÞks MkkÚkuLke ykðf ELf{xuûkLkk rLkÞ{ {wsçk xuûkuçk÷ Úkíke Lkk nkuÞ íkuðk ¾kíkuËkhkuyu Mk{Þ{ÞkoËk{kt Form, No. 15G/15H çkUf{kt s{k fhkðe ÔÞksLke ykðf{ktÚke TDS Lke fÃkkík{ktÚke {wrfík {u¤ðe þfkþu.




1

Ãkuxk rLkÞ{ MkwÄkhk (Ãkrhrþü-y)

nk÷Lkku Ãkuxk rLkÞ{Ãkuxk rLkÞ{

Lktçkhy.Lkt. MkwÄkhk çkkËLkku Ãkuxk rLkÞ{ MkwÄkhkLkk fkhýku

h (4) (y) çkkuzo ykuV zehufxMkuo ½zu÷k yLku hSMxÙkh©eyu {tswhfhu÷k rLkÞ{ku {wsçk Mk¼kMkËkuLku ÃkkuíkkLkk ytøkíkðÃkhkþLkk MkkÄLkku íkÚkk {fkLk yLku heÃkuhetøk {kxu ½hWÃkÞkuøke [eòu «kÃík fhðk{kt íkÚkk ðMkðkx yLkuðMkðkx{kt {ËËYÃk ÚkðkLkk WËTuþkuÚke íkÚkk íkuðe [eòu¾heË fhðk{kt íkuykuLku MknkÞYÃk Úkðk yLku íku {kxuÔÞksu Lkkýkt Äehðk.

rLkÞ{ku çkLkkððk ytøk uLkkyrÄfkh çkUfLkk çkkuzo ykuVrzhufxMkoLku nkuðkÚke.

çkkuzo ykuV zehufxMkuo {tswh fhu÷k rLkÞ{ku {wsçk Mk¼kMkËkuLkuÃkkuíkkLkk ytøkík ðÃkhkþLkk MkkÄLkku íkÚkk {fkLk yLku heÃkuhªøk{kxu ½h WÃkÞkuøke [eòu «kÃík fhðk{kt íkÚkk ðMkðkx yLkuðMkðkx{kt {ËËYÃk ÚkðkLkk WËTuþkuÚke íkÚkk íkuðe [eòu ¾heËfhðk{kt íkuykuLku MknkÞYÃk Úkðk yLku íku {kxu ÔÞksu LkkýktÄehðk.

h h (Ãk) ‘çkkuzo ykuV zehufxMkuo’ ½zu÷k yLku hSMxÙkh©eyu {tswhfhu÷k rLkÞ{ {wsçk xwtfe {wËíkLkk nwtzeÃkºkkuLkk ðxkðLku÷økíkwt fk{fks fhðwt, íku{s ÞwÍLMkLku (Usance) ÷økíkwtfk{fks fhðwt.

rLkÞ{ku çkLkkððk ytøkuLkkyrÄfkh çkUfLkk çkkuzo ykuVrzhufxMkoLku nkuðkÚke.

‘çkkuzo ykuV zehufxMkuo’ {tsqh fhu÷k rLkÞ{ {wsçk xwtfe {wËíkLkknwtzeÃkºkkuLkk ðxkðLku ÷økíkwt fk{fks fhðwt, íku{s ÞwÍLMkLku(Usance) ÷økíkwt fk{fks fhðwt.

3 h (6) zehufxhkuLke çkkuzuo ½zu÷k yLku ©e SÕ÷k hSMxÙkh Mkknuçku{tswh fhu÷k rLkÞ{ku {wsçk Lkk{Lkk Lkku{eLk÷ MkÇÞLkurft{íke [eòu, MkkuLkk-[ktËeLkk ½huýktyku yLku ÍðuhkíkWÃkh LkkLke hf{Lkwt Äehký fhðk.


zehufxhkuLke çkkuzuo {tswh fhu÷k rLkÞ{ku {wsçk Lkk{Lkk Lkku{eLk÷MkÇÞLku rft{íke [eòu, MkkuLkk-[ktËeLkk ½huýktyku yLku ÍðuhkíkWÃkh LkkLke hf{Lkwt Äehký fhðk.

4 h (7) Mk¼kMkËkuLku ò{eLkøkehe MkurðtøMk MkxeorVfux yLkuftÃkLkeykuLkk þuhku, MkkuLkk-[ktËeLke Ãkkxku, MkkuLkk-[ktËe-nehk,{kuíkeLkkt ½huýkt, Íðuhkík, økkuzkWLk{kt {wfu÷k {k÷WÃkh çkkuzo ykuV zehufxhu ½zu÷k yLku hSMxÙkh©eyu{tswh fhu÷k rLkÞ{kuLku ykÄkhu ÔÞksu Lkkýkt Äehðkt.


Mk¼kMkËkuLku ò{eLkøkehe MkurðtøMk MkxeoVefux yLku ftÃkLkeykuLkkþuhku, MkkuLkk-[ktËeLke Ãkkxku, MkkuLkk-[ktËe-nehk, {kuíkeLkkt½huýkt, Íðuhkík, økkuzkWLk{kt {wfu÷k {k÷ WÃkh yÚkðk çkkuzoykuV zehufxhuMko Lk¬e fhu÷k yLÞ ò{eLkøkehe WÃkh {tsqhfhu÷k rLkÞ{kuLku ykÄkhu ÔÞksu Lkkýkt Äehðkt.

Ãk h (9) Äe çkkuBçku Ãkç÷ef xÙMx yufx,19Ãk7Lkk f÷{-31(1)yLkwMkkh Mkhfkh©eLke {tsqhe ÷ELku çkUf xÙMxLkkt LkkýktrLkÞík ÚkÞu÷ þhíkkuLku ykÄeLk hneLku økwshkík fku-ykuÃkhuxeð çkkÞ Ãkç÷ef xÙMx ELk yçkoLk ¢uzexMkkuMkkÞxe yuLz çkuLf YÕMk-1963 Lke {ÞkoËk{kt hneLkuMðefkhe þfkþu.

Mknfkhe fkÞËkLke f÷{-hh{wsçk xÙMxLku Mk¼kMkË çkLkkðeþfkÞ Au.

hrsMxzo ÚkÞu÷ xÙMxLkkt Lkkýkt Mðefkhðk

6 h (11) Mk¼kMkËkuLke íku{s çkeLk Mk¼kMkËkuLke Mkuðk yÚkuo rð{kLkkt«e{eÞ{ E÷ufxÙef fkwt. Lkkt çkeÕMk yLku íkuðk «fkhLkeyLÞ fk{økehe Mkk{kLÞ f{eþLkÚke nkÚk ÄhðkLkku.

çkUfLke ykðf ðÄkhðk {kxu yLkuøkúknfkuLku rðrðÄ Mkuðkyku ÃkwheÃkkzðk {kxu.

f{eþLkÚke E÷ufxÙef ftÃkLkeykuLkk çke÷ku, íku{s ðe{kftÃkLkeykuLkk r«{eÞ{ku, ykðfðuhk, økðo{uLx xuûk, økuMk rçk÷,S.yuMk.xe.Lkk ¼hýkt Mðefkhðkt yLku Mkhfkh©e íkÚkkMkhfkh©eLkk rLkøk{kuLkk Lkkýkt yufºk fhðk {kxu yusLxíkhefu fkÞo fhðwt. íku{s ð¾íkku ð¾ík çkUfLkk Mkt[k÷f {tz¤îkhk Lk¬e fhu÷k fkÞkou fhðk.

7 h (13) Mkk{kLÞ heíku WÃkhkufík nuíkwyku MkkæÞ fhðk {kxu çkutfLkkrník{kt nkuÞ yuðwt çkeswt fk{fks fhðkLkku.

¼khíkeÞ rhÍðo çkutf îkhk su fkuEfk{ fhðkLke {tswhe ykÃkðk{ktykðu ík u {wsçkLkk fk{ku /ÔÞðMkkÞ çkUf fhe þfu íku {kxu

¼khíkeÞ rhÍðo çkUf îkhk ð¾íkku ð¾ík yLku /yÚkðk çku®føkhuøÞw÷uþLk yufx 1949 (Mknfkhe {tz¤eykuLku ÷køkw ÃkzíkeòuøkðkEyku) Lke f÷{ 6Lkk f÷kuÍ (1) {kt MÃkü fhu÷fkuEÃký yLÞ ÔÞðMkkÞ fhðku yLku çkUfLkk WËuþ Ãkkh Ãkzuíkuðe heíku çkeò fk{ku fhðkt.

8 h (17) Lkðku W{uhku ðe{kLkwt fkÞo fhe ykðf ðÄkhðk{kxu

fkuÃkkouhux yusLx / huVh÷ Äkuhýu ðe{kLkku ÔÞðMkkÞ nkÚk Ähðku.

9 h (18) Lkðku W{uhku VkuhuLk yuõMk[uLsLkk fkÞo îkhkøkúknfkuLku Mkuðkyku Ãkwhe ÃkkzðeyLku ykðf ðÄkhðe.

¼khíkeÞ rhÍðoçkUfLke {tswhe {u¤ðe VkuhuLkyuõMk[uLsLkwt fk{ fhðwt.



10 h (19) Lkðku W{uhku sYheÞkík sýkÞ íÞkhu MknfkheMktMÚkk fu çkutfLku {so fhe þfkÞíku {kxu

yLÞ Mknfkhe MktMÚkk fu çkUfLku xufykuðh fhe {so fhðe.

11 (4) LkkýktLkwt ¼tzku¤ W¼wt fhðkLke heík çkuLfLkk fk{fks{kxu Lke[u «{kýuLkk ¼tzku¤ku yufXkt fhðk{kt ykðþu.1. þuhku fkZeLku h. ÚkkÃkýku ÷ELku3. fhsu Lkkýkt ÷ELku 4. çkûkeMkkuÚkeÃk. VhSÞkík çk[íkÚke 6. Mkhfkhe MknkÞ

÷ELku 7. fuþ MkxeorVfux fkZeLku8. «ðuþ Ve Úke.

çkUfLkwt ¼tzku¤ ðÄkhðk {kxuLkkýktLkwt ¼tzku¤ W¼wt fhðkLke heík çkUfLkk fk{fks {kxu Lke[u«{kýuLkk ¼tzku¤ku yufXkt fhðk{kt ykðþu.1.þuhku fkZeLku h.ÚkkÃkýku ÷ELku 3.fhsu Lkkýkt ÷ELku 4.çkûkeMkkuÚke Ãk. VhSÞkík çk[íkÚke 6.Mkhfkhe MknkÞ ÷ELku7.fuþ MkxeoVefux fkZeLku 8.«ðuþ Ve Úke. 9.÷ktçkk økk¤kLkerzÃkkuÍex. 10.«uVhLMk þuh. 11.çkkuLz 1h.¼khíkeÞ rhÍðoçkUf îkhk yLku / yÚkðk hSMxÙkh©e îkhk {tswhe ykÃkðk{ktykðu íkuðe yLÞ heíku

1h (6) fhs fhðkLke nË :-çkkuzo ykuV zehufxMko ð¾íkku ð¾ík Lk¬e fhu íku ÔÞksLkkËhu íku þhíkkuÚke yLku íkux÷e hf{ MkwÄe [k÷w ¾kíku, çk[ík(Mku®ðøMk) ¾kíku çkktÄe {wËík ÚkkÃký ¾kíku fkÞ{ ÚkkÃký¾kíku, nku{ MkurðtøMk MkuEV yufkWLx ¾kíku íkÚkk fuþMkxeoVefux íkÚkk Mk¼kMkËLke çk[ík ÞkusLkk îkhk Lkkýkt{u¤ðe þfþu. íku{s fhsu ÷E þfþu, Ãkhtíkw ykðe heíku÷eÄu÷ ÚkkÃký yLku fhsLke yuftËh hf{ ðMkw÷ ykðu÷þuh¼tzku¤, heÍðoVtz yLku rçkÕzªøk Vtz {¤eLku ÚkíkeyuftËh fw÷ hf{{ktÚke ¾kuxLke yuftËh hf{ çkkË síkktsu çkkfe hnu íkuLkkÚke h0 økýe hf{ fhíkkt ðÄw fhsyLku ÚkkÃký ÷E þfþu Lkne. Ãkhtíkw hSMxÙkh©eLkeyøkkWÚke ÃkhðkLkøke {u¤ðeLku íkuyku ð¾íkku ð¾íkLkffe fhu íku heíku yLku þhíkkuyu yk nË íkux÷e {wËík{kxu yLku íkux÷e hf{ MkwÄe ðÄkhe þfþu.

Mknfkhe rLkÞ{. h4Lku yLkwYÃkfhðk

fhs fhðkLke nË :-çkkuzo ykuV zehufxMko ð¾íkku ð¾ík Lk¬e fhu íku ÔÞksLkk Ëhu íkuþhíkkuÚke yLku íkux÷e hf{ MkwÄe [k÷w ¾kíku, çk[ík (Mku®ðøk)¾kíku çkktÄe {wËík ÚkkÃký ¾kíku fkÞ{ ÚkkÃký ¾kíku, nku{Mku®ðøk MkuEV yufkWLx ¾kíku íkÚkk fuþ MkxeoVefux íkÚkkMk¼kMkËLke çk[ík ÞkusLkk îkhk Lkkýkt {u¤ðe þfþu. íku{sfhsu ÷E þfþu, Ãkhtíkw ykðe heíku ÷eÄu÷ ÚkkÃký yLku fhsLkeyuftËh hf{ ðMkw÷ ykðu÷ þuh¼tzku¤, heÍðoVtz yLku rçkÕzetøkVtz {¤eLku Úkíke yuftËh fw÷ hf{{ktÚke ¾kuxLke yuftËh hf{çkkË síkkt su çkkfe hnu íkuLkkÚke hÃk økýe hf{ fhíkkt ðÄw fhsyLku ÚkkÃký ÷E þfþu Lkne. Ãkhtíkw hSMxÙkh©eLke yøkkWÚkeÃkhðkLkøke {u¤ðeLku íkuyku ð¾íkku ð¾ík Lk¬e fhu íku heíkuyLku þhíkkuyu yk nË íkux÷e {wËík {kxu yLku íkux÷e hf{MkwÄe ðÄkhe þfþu.

13 (6)(y) Äe çkuLfªøk huøÞw÷uþLk yufx yuÃ÷efuçk÷ xw fku-ykuÃkhuxeð MkkuMkkÞxeÍLke f÷{-18 «{kýu hkufzyLkk{ík fuþ heÍðo íkÚkk f÷{-14 «{kýu hkufzyMfÞk{ík ÷efðezÍ yuMkuMxMk hk¾ðkLke hnuþu.

xkEÃkkuøkúkVe ¼q÷ MkwÄkhðk {kxuÄe çkU®føk huøÞw÷uþLk yufx yuÃ÷efuçk÷ xw fku-ykuÃkhuxeðMkkuMkkÞxeÍLke f÷{-18 «{kýu hkufz yLkk{ík fuþ heÍðoíkÚkk f÷{-h4 «{kýu hkufz yMfÞk{ík ÷efðezÍ yuMkuMxMkhk¾ðkLke hnuþu.

14 (7) Vks÷ Lkkýkt hkufðk ytøku :-

çkUfLkkt su Lkkýkt WÃkÞkuøk{kt Lkne nkuÞ íku zehufxhkuLke

çkkuzoLku sYh ÷køku íku «{kýu økwshkík hkßÞ Mknfkhe

fkÞËkLke f÷{-71{kt ËþkoÔÞk «{kýu hkufðk{kt

ykðþu.

LkkutÄ : yk Ãkuxk rLkÞ{ ytøku çkUfLkk ÷uýkLke ðMkw÷kík

{kxu MÚkkðh r{Õfík{kt ÚkÞu÷ hkufkýLkku yøkh íkku

hSMxÙkh©eLke «Úk{ {tswhe {u¤ðe çkuLfLkk WÃkÞkuøk

{kxu {fkLk ¾heËðk{kt yøkh çkktÄfk{{kt fhu÷k

hkufkýkuLkku Mk{kðuþ ÚkE þfu Au.

Mknfkhe fkÞËkLke f÷{ 71Lke

òuøkðkEyku yLku ¼khíkeÞ

rhÍðo çkUf îkhk Mk{Þ-Mk{Þ Ãkh

hkufký fhðk ytøkuLke Mkw[Lkkyku

EMÞw fhðk{kt ykðu Au íkuLke MkkÚku

MkwMktøkíkíkk {kxu

Vks÷ Lkkýkt hkufðk ytøku :-

çkUfLkkt su Lkkýkt WÃkÞkuøk{kt Lkne nkuÞ íku zehufxhkuLke çkkuzoLku

sYh ÷køku íku «{kýu Mknfkhe fkÞËkLke f÷{-71 yLku

rhÍðo çkUf ykuV ELzeÞkLke ð¾íkku ð¾íkLke økkEz ÷kELMk

{wsçk hkufðk{kt ykðþu.

LkkutÄ :- yk Ãkuxk rLkÞ{ ytøku çkUfLkk ÷uýkLke ðMkw÷kík {kxu

MÚkkðh r{Õfík{kt ÚkÞu÷ hkufkýLkku yøkh íkku hSMxÙkh©eLke

«Úk{ {tswhe {u¤ðe çkUfLkk WÃkÞkuøk {kxu {fkLk ¾heËðk{kt

yøkh çkktÄfk{{kt fhu÷k hkufkýkuLkku Mk{kðuþ ÚkE þfu Au.

8(y) 4 Lkðku W{uhku yrÄrLkÞ{Lke f÷{ hh (1)Lku

yLkwYÃk òuøkðkE

yk çkUfLkk fkÞo ûkuºkku{kt hSMxzo ykurVMk Ähkðíke nkuÞ íkuðe

ELzeÞLk ftÃkLkeÍ yufx, MkkuMkkÞxeÍ yufx íku{s çkkuBçku

(økwshkík) Ãkç÷ef xÙMxLke yufx yLkwMkkh LkkutÄkÞu÷e ftÃkLke,

MktMÚkk fu MÚkkrLkf MðhksÞLke fu Ãkrç÷f Þwxe÷exe MktMÚkk fu

xÙMx çkUfLkk Mk¼kMkË ÚkE þfþu. xÙMxLkk xÙMxeyku ðzu rLkÞwfík

ÚkÞu÷ku xÙMxe xÙMx ðíkeÚke yLku ftÃkLke íkÚkk MkkuMkkÞxe-MktMÚkkLke

ðíke su íkuLkk çkkuzo ykuV {uLkus{uLxu XhkðÚke rLkÞwfík fhu÷ku

nkuËTuËkh s {íkkrÄfkh Ähkðþu.

15



8(3) suLku yhS MkkÚku h0 YrÃkÞk «ðuþ Ve íkÚkk ykuAk{ktykuAe yuf þuhLke Ãkwhe hf{ ykÃke nþu íku,

ðneðxe Mkh¤íkk ¾kíkhsuLku yhS MkkÚku Mkt[k÷f {tz¤ îkhk ð¾íkku ð¾ík Lk¬e fhuíku {wsçk «ðuþ Ve íkÚkk ykuAk{kt ykuAe yuf þuhLke Ãkwhehf{ ykÃke nþu íku,

16

8(f) çkuLfLkk Ãkuxk fkÞËk íkÚkk rLkÞ{kuLke òuøkðkE yLkwMkkh÷kÞfkík Ähkðíkkt fkuEÃký ÔÞrfík / ÃkuZe yk çkuLfLkkMk¼kMkË ÚkE þfþu. ykðk fkuEÃký ÔÞrfík / ÃkuZeLkeMkÇÞÃkË {kxuLke yhS Lkk{tswh fhðk{kt ykðu íkuðu«Mktøku íku{ rLkýoÞ fhðkLkk fkhýku Mkrník íku íkkhe¾rËLk-1Ãk{kt sýkððk{kt ykðþu.

yrÄrLkÞ{Lke f÷{ hh (h)MkkÚku MkwMktøkíkíkk ÷kððk {kxu

çkUfLkk Ãkuxk fkÞËk íkÚkk rLkÞ{kuLke òuøkðkE yLkwMkkh ÷kÞfkíkÄhkðíkkt fkuEÃký ÔÞrfík/ÃkuZe yk çkUfLkk Mk¼kMkË ÚkE þfþu.Mk¼kMkË ÚkðkLke yhS {tsqh /Lkk{tsqh fhðkLke Mk¥kkMkt[k÷f {tz¤Lku hnuþu ykðe yhS Ãkh Mkt[k÷f {tz¤rLkýoÞ ÷E yhS {éÞkLke íkkhe¾Úke ºký {kMk MkwÄe{kt ykrLkýoÞLke òý yhsËkhLku fhþu.

17

(9) Lkku{eLk÷ Mk¼kMkË Ãkýwt :-

Ãkwg ðÞLke fkuEÃký ÔÞrfíkLku yk çkUfLkk Lkku{eLk÷

Mk¼kMkË íkhefu Mðefkhðk{kt ykðþu Lkne, rMkðkÞ fu íku

yÚkðk íkuýeLke çkUfLkk fkÞoûkuºk{kt hnuíke nkuÞ yLku,

yÚkðk ÄtÄku fhíke nþu, rnLËw yrð¼fík fwxwtçkLkk MkÇÞku

LkkuLk çkkuhkuEøk MÞkuhexeÍ yLku íkuyku fu su{Lku fux÷efðkh

ÿ~Þ ò{eLkøkeheyku suðe fu MkkuLkk-[ktËeLkk ËkøkeLkk,

ðe{k Ãkku÷eMkeyku, çkktÄe {wËík ÚkkÃký hMkeËku yLku

Mkhfkhe yLku çkeS xÙMxLke ò{eLkøkeheyku Mkk{u Lkkýkt

fhsu ÷uðkt nþu, íkuyku çkUfLkk Lkku{eLk÷ Mk¼kMkË {kxu

Lkku{eLk÷ Mk¼kMkË Ve Yk. Ãk0 ¼Þko ÃkAe ÷kÞf

økýkþu. ykðk Lkku{eLk÷ Mk¼kMkËku Vfík WÃkh sýkðu÷

ò{eLkøkeheykuLke Mkk{u Lkkýkt fhsu ÷uðk ÷kÞf økýkþu,

yLku Lkku{eLk÷ Mk¼kMkËku çkeS fkuEÃký Äehký Mkøkðz

{kxu ÷kÞf økýkþu Lkne. Lkku{eLk÷ Mk¼kMkËkuLku fkuEÃký

{íkËkLk yÚkðk çkUfLkk LkVk{kt fkuEÃký n¬ hnuþu

Lkrn. rLkÞík fhu÷k Vku{o{kt çkUfLku fhu÷e yhS Lkku{eLk÷

MkÇÞÃkË ykÃkðk {kxu çkkuzo ykuV zehufxMko æÞkLk{kt ÷E

{tswh fhþu.

(1) yk «fkhLkk Lkku{eLk÷ Mk¼kMkËkuLkwt Mk¼kMkËÃkýwt

{tswh fÞko íkkhe¾Úke Vfík 3 ð»ko MkwÄeLkwt s hnuþu òu íku

{wËík{kt yuðk MkÇÞÃkËu çkuLfLkwt Ëuðwt [wfíku ¼hÃkkE fÞwo

Lkne nkuÞ íkku yÚkðk ò{eLk íkhefu sðkçkËkhe{kt [k÷w

hnuíkku nþu yLku sÞkt MkwÄe ÷uýwt [wfíku ¼hÃkkE fÞwO fhkÞw

Lkne nkuÞ íÞkt MkwÄe Lkku{eLk÷ Mk¼kMkË íkhefu [k÷w

økýkþu.

Mknfkhe fkÞËkLke òuøkðkEMkkÚku MkwtMkøkíkíkk çkLkkððk

Lkku{eLk÷ Mk¼kMkË Ãkýwt :-

Ãkwg ðÞLke fkuEÃký ÔÞrfíkLku yk çkUfLkk Lkku{eLk÷ Mk¼kMkË

íkhefu Mðefkhðk{kt ykðþu Lkne, rMkðkÞ fu íku yÚkðk íkuýeLke

çkUfLkk fkÞoûkuºk{kt hnuíke nkuÞ yLku, yÚkðk ÄtÄku fhíke nþu,

rnLËw yrð¼fík fwxwtçkLkk MkÇÞku LkkuLk çkkuhkuEøk MÞkuhexeÍ

yLku íkuyku fu su{Lku fux÷efðkh ÿ~Þ ò{eLkøkeheyku suðe fu

MkkuLkk-[ktËeLkk ËkøkeLkk, ðe{k Ãkku÷eMkeyku, çkktÄe {wËík

ÚkkÃký hMkeËku yLku Mkhfkhe yLku çkeS xÙMxLke ò{eLkøkeheyku

Mkk{u yÚkðk rhÍðo çkUf ykuV ErLzÞk îkhk {kLÞ fhðk{kt

ykðu÷ ÷e{ex MkwÄe yLku çkkuzo ykuV zkÞhufxMko îkhk ð¾íkku

ð¾ík Lk¬e fhu÷ rLkÞ{ku {wsçk Lkkýkt fhsu ÷uðkt nþu, íkuyku

çkUfLkk Lkku{eLk÷ Mk¼kMkË {kxu Lkku{eLk÷ Mk¼kMkË Ve çkUfLkk

Mkt[k÷f {tz¤ îkhk ð¾íkku ð¾ík Lk¬e fhu íku {wsçk ¼Þko

ÃkAe ÷kÞf økýkþu. ykðk Lkku{eLk÷ Mk¼kMkËku Vfík WÃkh

sýkðu÷ heíku Lkkýkt fhsu ykÃke þfkþu. Lkku{eLk÷ Mk¼kMkËkuLku

fkuEÃký {íkËkLk yÚkðk çkUfLkk LkVk{kt fkuEÃký n¬ hnuþu

Lkrn.

rLkÞík fhu÷k Vku{o{kt çkutfLku fhu÷e yhS Lkku{eLk÷ MkÇÞÃkË

ykÃkðk {kxu çkkuzo ykuV zehufxMko æÞkLk{kt ÷E {tswh fhþu.

(1) yk «fkhLkk Lkku{eLk÷ Mk¼kMkËkuLkwt Mk¼kMkËÃkýwt {tswh

fÞko íkkhe¾Úke Vfík 3 ð»ko MkwÄeLkwt s hnuþu òu íku {wËík{kt

yuðk MkÇÞÃkËu çkutfLkwt Ëuðwt [wfíku ¼hÃkkE fÞwo Lkne nkuÞ íkku

yÚkðk ò{eLk íkhefu sðkçkËkhe{kt [k÷w hnuíkku nþu yLku

sÞkt MkwÄe ÷uýwt [wfíku ¼hÃkkE fhkÞwO Lkne nkuÞ íÞkt MkwÄe

Lkku{eLk÷ Mk¼kMkË íkhefu [k÷w økýkþu.

18

(11) Mk¼kMkËÃkýk{ktÚke Ëwh fuðe heíku ÚkE þfu :-

çkutfLkk Mk¼kMkË{ktÚke Lke[uLkk fkhýkuMkh fkuEÃký

Mk¼kMkËLku Ëwh fhðk økwshkík Mknfkhe {tz¤eykuLkk

fkÞËkLke f÷{-36 Lke òuøkðkE yLkwMkkh Mkk{kLÞ

Mk¼k{kt nksh hneLku {ík ykÃkíkk Mkðuo MkËMÞkuLke

çknw{íkeÚke Xhkð ÃkMkkh fheLku Mk¼kMkË íkhefu Ëwh fhe

þfkþu.

1. òu íku Lkkýkt ¼hðk{kt ðkhtðkh fMkwh fhíkku

nkuÞ,

h. òu íku swXe nhfík ònuh fhe EhkËkÃkqðof

çkUfLku Auíkhíkku nkuÞ,

Mknfkhe fkÞËkLke f÷{-36LkuyLkwYÃk fhðk

Mk¼kMkËÃkýk{ktÚke Ëwh fuðe heíku ÚkE þfu :-

çkUfLkk Mk¼kMkË{ktÚke Lke[uLkk fkhýkuMkh fkuEÃký Mk¼kMkËLku

Ëwh fhðk Mknfkhe {tz¤eykuLkk fkÞËkLke f÷{-36 Lke

òuøkðkE yLkwMkkh Mkk{kLÞ Mk¼k{kt nksh hneLku {ík ykÃkíkk

Mkðuo MkËMÞkuLke 3/4 çknw{íkeÚke Xhkð ÃkMkkh fheLku Mk¼kMkË

íkhefu Ëwh fhe þfkþu.

1. òu íku Lkkýkt ¼hðk{kt ðkhtðkh fMkwh fhíkku nkuÞ,

h. òu íku swXe nhfík ònuh fhe EhkËkÃkqðof çkUfLku

Auíkhíkku nkuÞ,

3. òu íku EhkËkÃkqðof þk¾Lku LkwfMkkLk ÚkkÞ íkuðwt

fkÞo fhu,

19



3. òu íku EhkËkÃkqðof þk¾Lku LkwfþkLk ÚkkÞ

íkuðwt fkÞo fhu,

4. òu íku LkkËkh yÚkðk fkÞËuMkh heíku

Lkk÷kÞf XÞkou nkuÞ,

Ãk. òu íkuLke Mkk{u LkeríkLke YEyu n÷fku

økýkíkku ¢e{eLk÷ økwLnku Mkkrçkík ÚkÞku nkuÞ

yLku Mkò ÚkE nkuÞ, Ãkhtíkw MktçktÄ Ähkðíkk

MkËMÞkuLku Mkk{kLÞ Mk¼k{kt ÃkkuíkkLkku fuMk

hsw fhðkLke íkf ykÃkðk{kt ykðe nkuÞ

íku rMkðkÞ fkuE Xhkð {kLÞ Úkþu Lknª

Ãkhtíkw hSMxÙkh©eyu ykðe {tswhe fu Lkk

{tswhe ºký {rnLkkLke {wËíkLke ytËh

çkutfLku sýkððkLke hnuþu. ykðe {tswhe

yøkhLkk {tswhe sýkððk{kt Lk ykðu íkku

Xhkð yMkhfkhf hnuþu.

4. òu íku LkkËkh yÚkðk fkÞËuMkh heíku Lkk÷kÞf

XÞkou nkuÞ,

Ãk. òu íkuLke Mkk{u LkeríkLke YEyu n÷fku økýkíkku

¢e{eLk÷ økwLnku Mkkrçkík ÚkÞku nkuÞ yLku Mkò

ÚkE nkuÞ, Ãkhtíkw MktçktÄ Ähkðíkk MkËMÞkuLku

Mkk{kLÞ Mk¼k{kt ÃkkuíkkLkku fuMk hsw fhðkLke

íkf ykÃkðk{kt ykðe nkuÞ íku rMkðkÞ fkuE

Xhkð {kLÞ Úkþu Lkne, Ãkhtíkw hSMxÙkh©eyu

ykðe {tswhe fu Lkk {tswhe ºký {rnLkkLke

{wËíkLke ytËh çkUfLku sýkððkLke hnuþu. ykðe

{tswhe yøkh Lkk {tswhe sýkððk{kt Lk ykðu

íkku Xhkð yMkhfkhf hnuþu.

16 (y) çkutfLkk Mk¼kMkËku íkÚkk yuV.ze.ykh nkuÕzhLkk Mkxeo.

¾kuðkíkk Lke[u {wsçkLkk [kso ÷uðk{kt ykðþu.

(1) Yk.100 Úke ðÄwLkwt Mkxeo. ¾kuðkíkk zwÃ÷efux

Mkxeo.Lke Ve Yk.100/-

(h) Yk.100 fu íkuÚke ykuAe hf{Lkk Mkxeo.¾kuðkíkk

zwÃ÷efux Mkxeo. Lke Ve Yk. hÃk/-

ðneðxe Mkh¤íkk {kxuçkUfLkk Mk¼kMkËku íkÚkk yuV.ze.ykh nkuÕzhLkk Mkxeo. ¾kuðkíkk

Mkt[k÷f {tz¤ îkhk ð¾íkku ð¾ík Lk¬e fhu íku {wsçkLkk [kso

÷uðk{kt ykðþu yLku rLkÞík rLkÞ{ku / ÃkæÄrík yLkwMkkh

çkktnuÄhe ÷uðkLke hnuþu.

h0

(17) ðkhMk rLk{ðk çkkçkík :-

çkUfLkku fkuEÃký Mk¼kMkË ÃkkuíkkLkk nkÚku ÷¾u÷ku Ëk¾÷ku

çkUf{kt yLkk{ík hk¾eLku Lke[u {wsçkLke þhíkkuLku ykÄeLk

hneLku çkUfLkk Lkkufh yøkh y{÷Ëkh rMkðkÞLke fkuEÃký

ÔÞrfíkLku íkuLkk {hý ÃkAe çkUfLkk íkuLkk ík{k{ n¬ku

yøkh íkku íkuLkku fkuEÃký ¼køk ykÃkðk{kt ykðu íkuðku

ðkhMk Lke{e þfþu. íku{s ykðe rLk{ýqtf hË fhe þfþu

yøkh MkwÄkhe þfþu. ykðe rLk{ýqf íkuLkk {hý çkkË

y{÷e çkLkþu Ãký çkUfLkku Lkkufh yøkh y{÷Ëkh

MkøkÃkýÚke yøkh ðkhMkkLkk fkÞËkLke Yyu n¬Ëkh

ðkhMk nkuÞ íkku íkuLku yÃkðkË ÷køkw Ãkzþu Lkrn.

þhíkku :-

1. rLk{ýqf Ãkºk çkUf{ktÚke ykÃkðk{kt ykðþu yLku

íkuLkk Ãkh çku MkkûkeykuLke nkshe{kt íkuýu Mkne fhe

nþu.

h. ykðe rLk{ýqf çkUfu íku {kxu ¾kMk hk¾u÷k [kuÃkzk{kt

LkkutÄkÞu÷e nþu.

3. su ÔÞrfíkLke ykðe heíku rLk{ýqf fhðk{kt ykðe

nþu íku Ãkuxk rLkÞ{ Lkt.8 «{kýu çkUfLkk Mk¼kMkË

Úkþu.

4. ykðe rLk{ýqf LkkutÄkððk MkkYt yÚkðk íkuLku

ÃkkA¤Úke hË fhðk MkkYt yøkh íku{kt VuhVkh fhðk

MkkYt

Ãk ÃkiMkk Ve ÷uðk{kt ykðþu.

1. Lkku{eLke çkUfLkk Ãkuxk rLkÞ{ku{wsçk Mk¼kMkË çkLkðkLkeÃkkºkíkk Ähkðíkk nkuðksYhe nkuE.

h. LkkutÄýe Ve Mkt[k÷f {tz¤îkhk ð¾íkku ð¾ík Lk¬efhu íku sYhe nkuE.

ðkhMk rLk{ðk çkkçkík :-

çkUfLkku fkuEÃký Mk¼kMkË ÃkkuíkkLkk nkÚku ÷¾u÷ku Ëk¾÷ku çkUf{kt

yLkk{ík hk¾eLku Lke[u {wsçkLke þhíkkuLku ykÄeLk hneLku çkUfLkk

Lkkufh yøkh y{÷Ëkh rMkðkÞLke fkuEÃký ÔÞrfíkLku íkuLkk

{hý ÃkAe çkUfLkk íkuLkk ík{k{ n¬ku yøkh íkku íkuLkku fkuEÃký

¼køk ykÃkðk{kt ykðu íkuðku ðkhMk Lke{e þfþu. íku{s ykðe

rLk{ýqf hË fhe þfþu yøkh MkwÄkhe þfþu. ykðe rLk{ýqf

íkuLkk {hý çkkË y{÷e çkLkþu Ãký çkUfLkku Lkkufh yøkh çkkË

y{÷e çkLkþu Ãký çkUfLkku Lkkufh yøkh y{÷Ëkh MkøkÃkýÚke

yøkh ðkhMkkLkk fkÞËkLke Yyu n¬Ëkh ðkhMk nkuÞ íkku íkuLku

yÃkðkË ÷køkw Ãkzþu Lkrn.

þhíkku :-

1. rLk{ýqf Ãkºk çkUf{ktÚke ykÃkðk{kt ykðþu yLku íkuLkk

Ãkh çku MkkûkeykuLke nkshe{kt íkuýu Mkne fhe nþu.

2. ykðe rLk{ýqf çkUfu íku {kxu ¾kMk hk¾u÷k [kuÃkzk{kt

LkkutÄkÞu÷e nþu.

3. su ÔÞrfíkLke ykðe rLk{ýqf fhðk{kt ykðe nþu íku

çkUfLkk Ãkuxk rLkÞ{kuLke òuøkðkE {wsçk Mk¼kMkË çkLke

þfþu.

4. ykðe rLk{ýqf LkkutÄkððk MkkYt yÚkðk íkuLku ÃkkA¤Úke

hË fhðk MkkYt yøkh íku{kt VuhVkh fhðk MkkYt Mkt[k÷f

{tz¤ îkhk ð¾íkku ð¾ík Lk¬e fhu íku {wsçk Ve ÷uðk{kt

ykðþu.

h1



(h1) ðkr»kof MkkÄkhý Mk¼kLkkt fk{ku :-

1. AuÕ÷e MkkÄkhý Mk¼kLke fkÞoðkneLke LkkutÄ {tswh

fhðe.

h. zehufxhkuLke çkkuzo ÃkkMkuÚke ykøk÷e Mkk÷Lkk

fk{fksLkku heÃkkuxo íkÚkk çkUfLkwt MkhðiÞwt yLku LkVk-

íkkuxkLkk rnMkkçk ÷uðku yLku LkVkLke ðnU[ýe {tswh

fhðe.

3. çkkuzoLkk zehufxhku{ktÚke suyku nkuËTku Akuzíkk nþu

íku{Lke søÞkyu zehufxhkuLke [wtxýeLkwt Ãkrhýk{

ònuh fhðwt yøkh [wtxýe fhðe. zehufxhkuLke [wtxýe

økwÃík {íkËkLk ÃkæÄríkÚke [wtxýeLkk rLkÞ{ku {wsçk

fhðk{kt ykðþu.

4. ykðíkk ð»ko MkkY çkUfLkk rnMkkçk íkÃkkMkðk

ykuzexMkoLke rLk{ýqf fhðe yLku íku{Lkwt {nuLkíkkýwt

Lk¬e fhðwt.

Ãk. Ãkuxk rLkÞ{-6 «{kýu ykðíkk ð»ko{kt ðÄkhu{kt

ðÄkhu su nË MkwÄe zehufxhkuLke çkkuzo ¼tzku¤ yufXwt

fhe þfþu íku {wfhh fhðe.

6. {nuhçkkLk hSMxÙkh Mkknuçk íkhVÚke ykðu÷k

ÃkºkÔÞðnkh íkÚkk rnMkkçk íkÃkkMkýeLke ÞkËe yLku

«{w¾ MÚkkLkuÚke çkeswwt fkuE fk{ hsw fhðk{kt ykðu

íkuLkku rð[kh fhðku.

7. MkkÄkhý Mk¼kyu ¾kMk XhkðÚke zehufxhkuLke çkkuzoLkk

fkuE fk{ {kxu yÃke÷ Mkkt¼¤ðkLkku ¾kMk n¬

ykÃÞku nkuÞ íkku íku Mkkt¼¤e rLkfk÷ fhðku.

8. çkUfLkk Mk¼kMkËkuLke þk¾ Lk¬e fhLkkhLke fr{xeLke

íkÚkk yuzðkEÍhe f{exeLke [wtxýe fhðe.

9. fkuEÃký Mk¼kMkË ðkr»kof MkkÄkhý Mk¼kLke

íkkhe¾Úke-7 rËðMk yøkkW çkUfLkk fk{fks MktçktÄe

Xhkð {uLkuStøk zehufxh yøkh «{w¾ Ãkh {kuf÷e

ykÃku íkku íku ðkr»kof MkkÄkhý Mk¼kLkk yusLzk{kt

Ëk¾÷ fhðku íku rMkðkÞ çkUfLkk «{w¾ çkutfLkk neíkLku

÷økíkwt fkuE fk{ hsw fhu íkku íku Ãkh rð[kh fhðkLkwt

yLku íkuLkku rLkfk÷ fhðkLkwt.

1. çkUfLke [qtxýeLkk Ãkrhýk{Lke

s ðkr»k of MkkÄkhý

Mk¼k{kt LkkutÄ ÷uðkLke nkuÞ

Au.

h. ðkr»kof MkkÄkhý Mk¼kLkku

yustzk ykuAk{kt ykuAk

[kiË rËðMk yøkkW yLku

MkkÄkhý Mk¼kLkku yusLzk

ykuAk{kt ykuAk Mkkík

rËðMk yøkkW EMÞw

fhðkLkku nkuðkÚke nk÷Lkk

Ãkuxk rLkÞ{ {wsçk Mkkík

rËðMk yøkkW hsw fhu÷

fk uE Xhkð yustzk{k t

Ëk¾÷ fhðku þõÞ Lk çkLku

s uÚke Mk wÄkhk u fhðk u

sYhe Au.

ðkr»kof MkkÄkhý Mk¼kLkkt fk{ku :-

1. AuÕ÷e MkkÄkhý Mk¼kLke fkÞoðkneLke LkkutÄ {tswh fhðe.

h. zehufxhkuLke çkkuzo ÃkkMkuÚke ykøk÷e Mkk÷Lkk fk{fksLkku

heÃkkuxo íkÚkk çkUfLkwt MkhðiÞwt yLku LkVk-íkkuxkLkk rnMkkçk

÷uðku yLku LkVkLke ðnut[ýe {tswh fhðe.

3. zehufxhkuLke [wtxýe økwÃík {íkËkLk ÃkæÄríkÚke [wtxýeLkk

rLkÞ{ku {wsçk fhðk{kt ykðþu. çkkuzoLkk zehufxhkuLke

[qtxýeLkk Ãkrhýk{Lke LkkutÄ ÷uðe.

4. Ãkuxk rLkÞ{-6 «{kýu ykðíkk ð»ko{kt ðÄkhu{kt ðÄkhu

su nË MkwÄe zehufxhkuLke çkkuzo ¼tzku¤ yufXwt fhe þfþu íku

{wfhh fhðe.

Ãk. {nuhçkkLk hSMxÙkh Mkknuçk íkhVÚke ykðu÷k ÃkºkÔÞðnkh

íkÚkk rnMkkçk íkÃkkMkýeLke ÞkËe yLku «{w¾ MÚkkLkuÚke

çkeswt fkuE fk{ hsw fhðk{kt ykðu íkuLkku rð[kh fhðku.

6. MkkÄkhý Mk¼kyu ¾kMk XhkðÚke zehufxhkuLke çkkuzoLkk

fkuEfk{ {kxu yÃke÷ Mkkt¼¤ðkLkku ¾kMk n¬ ykÃÞku

nkuÞ íkku íku Mkkt¼¤e rLkfk÷ fhðku.

7. çkUfLkk Mk¼kMkËkuLke þk¾ Lk¬e fhLkkhLke f{exeLke

íkÚkk yuzðkEÍhe f{exeLke [wtxýe fhðe.

8. fkuEÃký Mk¼kMkË MkkÄkhý Mk¼kLke íkkhe¾Úke Mkkík

rËðMk yøkkW çkutfLkk fk{fks MktçktÄe Xhkð ÞkuøÞ xufk

MkkÚku {uuLkush Ãkh {kuf÷e ykÃku íkku íkuLku ÞkuøÞ sýkÞu

çkUfLke MkkÄkhý Mk¼k{kt [[ko{kt Mkk{u÷ fhðku íku rMkðkÞ

çkUfLkk «{w¾ çkUfLkk neíkLku ÷økíkwt fkuE fk{ hsw fhu íkku

íku Ãkh rð[kh fhðkLkwt yLku íkuLkku rLkfk÷ fhðkLkwt.

22

(h4) Mk¼kLke LkkuxeMk çkkçkík :-

MkkÄkhý Mk¼kLke ¾çkh çkuLfLkk «{w¾, {uLkuStøk

zehufxh, {uLkush yøkh zehufxhkuLkk çkkuzo rLk{u÷k

y{÷ËkhLke MkneÚke {kuf÷ðk{kt ykðþu. çkÒku «fkhLke

MkkÄkhý Mk¼kLke ¾çkh Mk¼kMkËkuLku nkÚkku nkÚk yøkh

xÃkk÷ {khVík ykÃkðk{kt ykðþu. yLku sYh sýkÞ

íkku fkuEÃký yuf MÚkkrLkf ðíko{kLk Ãkºk{kt ònuhkík

ykÃke ¾çkh ykÃkðk{kt ykðþu. fkuEÃký Mk¼kMkËLku

Mk¼kLke LkkuxeMk E-{uE÷,

yuMk.yu{.yuMk, fu yLÞ rðòýw

{kæÞ{ku îkhk ykÃke þfkÞ íku

{kxu

Mk¼kLke LkkuxeMk çkkçkík :-

MkkÄkhý Mk¼kLke ¾çkh çkUfLkk «{w¾, {uLkuStøk zehufxh,

{uLkush yøkh zehufxhkuLkk çkkuzo rLk{u÷k y{÷ËkhLke MkneÚke

{kuf÷ðk{kt ykðþu. çktLku «fkhLke MkkÄkhý Mk¼kLke ¾çkh

Mk¼kMkËkuLku E-{uE÷, yuMk.yu{.yuMk, yLÞ rðòýw

{kæÞ{ku îkhk yÚkðk xÃkk÷ {khVík ykÃkðk{kt ykðþu.

yLku sYh sýkÞ íkku fkuEÃký yuf MÚkkrLkf ðíko{kLk Ãkºk{kt

ònuhkík ykÃke ¾çkh ykÃkðk{kt ykðþu. fkuEÃký fkhýLku

23



(h7) Mk¼kLkwt fkuh{ :-

Mk¼kMkËkuLke yuftËh MktÏÞkLkk h/5 yøkh hÃk Ãkife su

MktÏÞk f{e nkuÞ íkux÷kLkwt MkkÄkhý Mk¼k MkkY fkuh{

(fhðkLke Ãkwhíke nkshe) økýkþu. fkuh{Lkk y¼kðu

Mk¼k {w÷íðe hk¾ðe Ãkzþu íkku íku Mk¼k ykuAk{kt ykuAk

Mkkík rËðMk {w÷íðe hk¾ðk{kt ykðþu. ykðe heíku

{w÷íðe hnu÷e Mk¼k{kt fkuh{Lke sYh hnuþu Lkne yLku

íku{kt yMk÷ Mk¼kLkwt fk{fks ÃkwÁt fhðk{kt ykðþu.

Ãkhtíkw Ãkuxk rLkÞ{-hh nuX¤ Mk¼kMkËkuLke {ktøkýeÚke

çkku÷kðu÷e ¾kMk MkkÄkhý Mk¼k{kt íku Mk¼k {¤ðkLkk

Mk{ÞÚke yzÄk f÷kf MkwÄe{kt fkuh{ ÚkÞwt nþu Lkne

yøkh [k÷w Mk¼k{kt fkuh{ íkwxþu íkku Mk¼k çkh¾kMík

fhðk{kt ykðþu yLku {w÷íðe hnuþu.

Mknfkhe rLkÞ{-6Lku yLkwYÃkfhðk

Mk¼kLkwt fkuh{ :-

Mk¼kMkËkuLke yuftËh MktÏÞkLkk h/Ãk yøkh hÃk Ãkife su MktÏÞk

f{e nkuÞ íkux÷kLkwt MkkÄkhý Mk¼k MkkY fkuh{ (fhðkLke

Ãkwhíke nkshe) økýkþu. fkuh{Lkk y¼kðu Mk¼k {w÷íðe

hk¾ðe Ãkzþu íkku íku Mk¼k yzÄku f÷kf çkkË {¤þu. ykðe

heíku {w÷íðe hnu÷e Mk¼k{kt fkuh{Lke sYh hnuþu Lkne yLku

íku{kt yMk÷ Mk¼kLkwt fk{fks Ãkwhwt fhðk{kt ykðþu. Ãkhtíkw

Ãkuxk rLkÞ{-hh nuX¤ Mk¼kMkËkuLke {ktøkýeÚke çkku÷kðu÷e

¾kMk MkkÄkhý Mk¼k{kt íku Mk¼k {¤ðkLkk Mk{ÞÚke yzÄk

f÷kf MkwÄe{kt fkuh{ ÚkÞwt nþu Lkne yøkh [k÷w Mk¼k{kt

fkuh{ íkwxþu íkku Mk¼k çkh¾kMík fhðk{kt ykðþu yLku {w÷íðe

hnuþu.

2Ãk

h8 (y) Lkðku W{uhku Mknfkhe fkÞËkLke

f÷{-11Ãk ELke òuøkðkELku

yLkwMkkh fhðk {kxu

[qtxkÞu÷k çkkuzo ykuV zehufxMko [qtxýeLkkt Ãkrhýk{ ÃkAe íkhík

s ÃkkuíkkLkk [wtxkÞu÷k zehufxhku{ktÚke [uh{uLk, ðkEMk [uh{uLk

yLku {uLku®søk zehufxhLke [wtxýe fhþu. su{Lke {wËík çkkuzo

ykuV zehufxMkoLke [wtxýeLke íkkhe¾Úke yZe ð»koLke hnuþu.

{wËík Ãkqhe ÚkÞu íkuykuyu nkuËTku ¾k÷e fhðkLkku hnuþu yLku Lkðk

ÃkËkrÄfkheykuLke [wtxýe yk {wËík Ãkqhe Úkíkkt Ãknu÷kt fhðkLke

hnuþu. rLkð]¥k Úkíkk ÃkËkrÄfkheyku Ãkuxk fkÞËk h8 (çk) Lke

òuøkðkEykuLku ykÄeLk Vuh [qtxýe ÷ze þfþu.

h6

h8(çk) Lkðku W{uhku Mknfkhe fkÞËkLke f÷{-11Ãk

ELke òuøkðkELku yLkwMkkh fhðk

{kxu

çkUfLkk ÃkËkrÄfkheyku-[uh{uLk-ðkEMk [uh{uLk yLku {uLku®søk

zehufxh (òu [qtxkÞu÷k nkuÞ íkku) ÃkkuíkkLkk nkuËTk WÃkh yZe

ð»koLke yuf yuðe Mkíkík çku x{o {kxu yux÷u Mkíkík Ãkkt[ ð»ko

{kxu s nkuËTku Äkhý fhe þfþu.

suýu Mkíkík çku x{o {kxu [uh{uLk ðkEMk [uh{uLk fu {uLku®søk

zehuõxhLkku nkuËTku Ähkðu÷ nkuÞ íku ÔÞrfík, Ãkkuíku, íku nkuËTku

ÄhkððkLkwt çktÄ fhu ÃkAe çku x{oÚke ykuAku Lkne íkux÷ku

Mk{Þøkk¤ku Ãkqhku ÚkÞk ÃkAe íku nkuËTku ÄhkððkLku Ãkkºk Úkþu.

x{o yux÷u [wtxýeLke íkkhe¾Úke yZe ð»koLke çkLku÷e {wËík.

h7

(hÃk) LkkuxeMk{kt Mkne sýkðu÷ çkkçkík hsw fhðk MktçktÄe :-

(çk) [wtxýeLke íkkhe¾Úke 6 {kMkLke ytËh {w¤ XhkðLkku

ÃkMkkh ÚkÞkLku Ãkwhk 6 {kMk Lk ÚkÞk nkuÞ íkuðk MkkÄkhý

Mk¼kLkk XhkðLku hË fhíkku fkuEÃký Xhkð hSMxÙkh

MkknuçkLke ÃkhðkLkøke rMkðkÞ MkkÄkhý Mk¼k{kt ÷kðe

þfkþu Lkrn.

«Míkwík òuøkðkELku yrÄrLkÞ{fu rLkÞ{kuLkwt fkuE Mk{ÚkoLk LknkuE

òuøkðkE hË fhðe.24

Lkne {¤e nþu íkku, Mk¼k{kt ÚkÞu÷wt fk{fks fkÞËuMkh

økýkþu. Ãký òu íkuÚke çkuLfLkk {kuxk ¼køkLkk Mk¼kMkËkuLkk

n¬Lku LkwfMkkLk Úkíkwt nkuÞ íkuðk Mktòuøkku{kt hSMxÙkh©e

ykðe Mk¼kLkk fkÞËuMkh Ãkýk rð»ku rLkýoÞ fhþu.

÷eÄu ykðe ¾çkh fkuEÃký Mk¼kMkËLku Lkne {¤e nþu íkku,

Mk¼k{kt ÚkÞu÷wt fk{fks fkÞËuMkh økýkþu. Ãký òu íkuÚke

çkUfLkk {kuxk ¼køkLkk Mk¼kMkËkuLkk n¬Lku LkwfþkLk Úkíkwt nkuÞ

íkuðk Mktòuøkku{kt hSMxÙkh©e ykðe Mk¼kLkk fkÞËuMkhÃkýk

rð»ku rLkýoÞ fhþu.



h8(f) Lkðku W{uhku Mknfkhe fkÞËk MkkÚku MkwMktøkíkÚkðk

[k÷w zehufxMkoLkk Ãk0% fhíkk ðÄw Mk¼kMkËkuLke nksheÚke

r{xªøkLkwt fkuh{ ÚkÞwt økýkþu.

fku.ykuÃx fhðkLkk MkÇÞku Ãkife fkuEÃký fkhýMkh ÞkuøÞ

÷kÞfkíkðk¤k MkÇÞku fku.ykuÃx Lk fhe þfkÞ íkuðe søÞkyku

çkkuzo ykuV zehufxMko ¾k÷e hk¾e þfþu yLku ÞkuøÞ

÷kÞfkíkðk¤k MkÇÞku {¤íkk íku søÞk ¼he þfþu.

h8

(31) økuh÷kÞfkík :-

su Mk¼kMkË Lke[u sýkðu÷e økuh÷kÞfkíkku Ähkðíkk nþu

íku zehufxMkoLke [wtxýeLkk W{uËðkh íkhefu W¼k hnuðk

íku{s [wtxkððk {kxu ÷kÞf økýkþu Lknet.

1. su Ãkwhk ¼hkÞu÷k çkuLfLkk 1 þuh 31 {k[o yk¾hu

Mkíkík 3 ð»koÚke Äkhý fhu÷ nþu Lkne yLku yk

çkuLf{kt Mkíkík 3 ð»ko MkwÄe Yk. Ãk00/- Úke ykuAe

Lkne íkux÷e hf{ ÚkkÃký ¾kíkk{kt s{k hk¾u÷

Lkne nkuÞ yLku Yk.h0,000/- Úke ykuAe Lk nkuÞ

íkux÷e hf{ çkuLf{kt ÚkkÃký fhkðu÷ Lk nkuÞ yLku

ykðe heíku s{k fhkððe [k÷w Lk hk¾u.

yÚkðk

su Mk¼kMkËu yk çkuLfLkk ykuAk{kt ykuAk Yk.Ãk00/

-Lkk þuh 31 {k[o yk¾huÚke Mkíkík 3 ð»koÚke

Äkhý Lkne fhu÷ nþu yLku Yk.h0,000/- Úke

ykuAe Lk nkuÞ íkux÷e hf{ çkuLf{kt ÚkkÃký s{k

fhkðu÷ Lk nkuÞ yLku ykðe heíku s{k fhkððe

[k÷w Lk hk¾u.

h. Lkku{eLkuþLk yøkh [wtxýeLke íkkhe¾u òu íkuLke ô{h

Ãkwhk ºkeMk ð»koLke nþu Lkne íkku.

3. òu íkuLkk WÃkh {q¤ fhsËkh íkhefu ÷ðkËe Ëkðku

yøkh fkÞËuMkhLkk Ãkøk÷k çkuLfLkwt ÷uýwt ðMkw÷ fhðk

÷uðk ÃkzÞk nþu yLku ÃkkuíkkLkwt fhs, fhsLkku nÃíkku

yøkh ÔÞks fu íkuLkku nóku Ãkkfíke íkkhe¾ fu nÃíkkLke

íkkhe¾Úke 7 rËðMk{kt yøkh ÔÞks fu íkuLkku nÃíkku

1 ÷e íkkhe¾Úke 7 rËðMk{kt ¼hðk{kt [wfe fhe

nkuÞ íkku.

4. òu íku çkuLfLkk fhsËkh nkuÞ yLku íkuLkku ÃkkuíkkLkku

fhsLkku nÃíkku ykøk÷k ð»ko{kt ð¾íkMkh ¼hðk{kt

[wf fhe nkuÞ íkku.

LkkutÄ :- fkuEÃký Mk¼kMkËu yk çkuLf{kt ÃkkuíkkLke çkktÄe

{wËíkLke ÚkkÃkýku WÃkh yÚkðk yk çkuLfLkk fuþ

MkxeoVefux WÃkh ykuðhzÙkVx ÷eÄku nþu íkuLku fhs

økýðk{kt ykðþu Lkne.

Ãk. íku çkuLfLkku ÃkøkkhËkh Lkkufh nkuÞ íkku

6. òu íku VkusËkhe fkuxo íkhVÚke Lkiríkf ÃkíkLk ÚkkÞ

Mknfkhe rLkÞ{-3h MkkÚk u

MkwMktøkíkíkk {kxu yLku fkuEÃký

LkkýkfeÞ MktMÚkkLkku çkkfeËkh

[wtxýe Lkk ÷ze þfu íku {kxu

økuh÷kÞfkík :-

su Mk¼kMkË Lke[u sýkðu÷e økuh÷kÞfkíkku Ähkðíkk nþu íku

zehufxMkoLke [wtxýeLkk W{uËðkh íkhefu W¼k hnuðk íku{s

[wtxkððk {kxu yLku rzhuõxh íkhefu [k÷w hnuðk÷kÞf økýkþu

Lkne.

1. su Ãkwhk ¼hkÞu÷k çkUfLkk 1 þuh 31 {k[o yk¾hu Mkíkík 3

ð»koÚke Äkhý fhu÷ nþu Lkne yLku Yk.h0,000/- Úke

ykuAe Lk nkuÞ íkux÷e hf{ çkutf{kt ÚkkÃký fhkðu÷ Lk

nkuÞ yLku ykðe heíku s{k fhkððe [k÷w Lk hk¾u.

h. Lkku{eLkuþLk yøkh [wtxýeLke íkkhe¾u òu íkuLke ô{h Ãkwhk

ºkeMk ð»koLke nþu Lkne íkku.

3. òu íkuLkk WÃkh {q¤ fhsËkh íkhefu ÷ðkËe Ëkðku yøkh

fkÞËuMkhLkk Ãkøk÷k çkUfLkwt ÷uýwt ðMkw÷ fhðk ÷uðk ÃkzÞk

nþu yLku ÃkkuíkkLkwt fhs, fhsLkku nÃíkku yøkh ÔÞks fu

íkuLkku nÃíkku Ãkkfíke íkkhe¾ fu nÃíkkLke íkkhe¾Úke 7

rËðMk{kt yøkh ÔÞks fu íkuLkku nÃíkku 1 ÷e íkkhe¾Úke 7

rËðMk{kt ¼hðk{kt [wf fhe nkuÞ íkku.

4. òu íku çkUfLkk fhsËkh nkuÞ yLku íkuLkku ÃkkuíkkLkku fhsLkku

nÃíkku ykøk÷k ð»ko{kt ð¾íkMkh ¼hðk{kt [wf fhe

nkuÞ íkku.

LkkutÄ:- fkuEÃký Mk¼kMkËu yk çkUf{kt ÃkkuíkkLke çkktÄe {wËíkLke

ÚkkÃkýku WÃkh yÚkðk yk çkUfLkk fuþ MkxeoVefux WÃkh

ykuðhzÙkVx ÷eÄku nþu íkuLku fhs økýðk{kt ykðþu

Lkne.

Ãk. íku çkUfLkk ÃkøkkhËkh Lkkufh nkuÞ íkku

6. òu íku VkusËkhe fkuxo íkhVÚke Lkiríkf ÃkíkLk ÚkkÞ íkuðk

økwLnk {kxu økwLkuøkkh Xhkððk{kt ykÔÞku nkuÞ íkku.

7. íkuðe ÔÞrfík yu fkuEÃký çkUfLkk yÚkðk çkeS {tz¤e{ktÚke

÷eÄu÷ fkuE ÷kuLk Ãkhík [qfððk{kt fMkwh

8. íku ÔÞrfík yÚkðk íkuLkk fwxwtçkesLkku fkuE MkÇÞ su{kt rník

Ähkðíkku nkuÞ íku ftÃkLkeyu (ÃkuZe) ÷kuLkLke Ãkhík [wfðýe

÷uýe Úkíke nkuÞ íku íkkhe¾ ÃkAe fkuEÃký çkUf yÚkðk

çkeS {tz¤e{ktÚke ÷eÄu÷e fkuE ÷kuLkLke Ãkhík [wfðýe{kt

fMkwh nkuÞ.

9. íkuðe ÔÞrfíkLku økwshkík Mknfkhe fkÞËkLke f÷{ 11Ãk

Í nuX¤ økwLkk{kt Ëku»keík Xhkðu÷ nkuÞ.

10. çkUf MkkÚku fhðk{kt ykðu÷k fkuE [k÷w fhkh{kt yÚkðk

çkutf ðu[u÷e fu ¾heËu÷e fkuE r{÷fík{kt yÚkðk çkUf{kt

h9



(36) zehufxhkuLke [qtxýe {kxu Lkffe fhðk{kt ykðu÷k

Lkku{eLkuþLkLke AuÕ÷e íkkhe¾u ¾k÷e Ãkzu÷e søÞk fhíkkt

ykuAe MktÏÞkLkk W{uËðkhLkkt Lkku{eLkuþLk ÚkÞkt nþu íkku

su MktÏÞkLkkt Lkku{eLkuþLk fkÞËuMkh yLku Ãkuxk rLkÞ{ku

yLkwMkkh hnuþu yLku íku{Lku [qtxkÞu÷k økýðk{kt ykðþu

yLku ¾qxíke søÞkyku ðkr»kof MkkÄkhý Mk¼k{kt ¼hðk{kt

ykðþu.

yrÄrLkÞ{Lke f÷{-74Lku

yLkwYÃk fhðk

zehufxhkuLke çkkuzo{kt {]íÞw, Ëqh fhðk, hkSLkk{wt yÚkðk yLÞ

fkuE fkhýkuMkh søÞk Ãkzu íkku íku søÞk, su þuh Mk¼kMkË

zehufxh ÚkðkLke ÷kÞfkík Ähkðíkku nkuÞ íkuðk þuh Äkhfku{ktÚke

çkkfeLkk zehufxMko îkhk òu zehufxhkuLkk çkkuzoLke {wËík, {q¤

{wËíkLke yzÄe fhíkkt ykuAe nkuÞ íkku, su ðøko yÚkðk fûkkLkk

MkÇÞkuLkk MktçktÄ{kt, «kMktrøkf søÞk ¾k÷e Ãkzu÷e nkuÞ íku s

ðøko yÚkðk fûkkykuLkkt MkÇÞku{ktÚke, yk «kMktrøkf ¾k÷e

Ãkzu÷e søÞk, søÞk ¾k÷e ÃkzÞkLke íkkhe¾Úke MkkEX rËðMk{kt

fku-ykuÃþLkÚke ¼he þfþu. òu zehufxhkuLkk çkkuzoLke {wËíkLke

çkkfe {wËík, {q¤ {wËík fhíkkt yzÄe fhíkkt ðÄw çkkfe nkuÞ íkku

ykðe «kMktrøkf ¾k÷e Ãkzu÷ søkk [qtxýeÚke s ¼hðe òuEþu.

31

(4Ãk) zkÞhufxhkuLke çkkuzoLkk fk{ yLku Mk¥kk :-

1. sYh sýkÞ íku «{kýu çkeò ÃkøkkhËkh LkkufhkuLke

rLk{ýwf fhðe,íku{Lku ykÃkðkLkkt çkkuLkMk íkÚkk Ãkøkkh

Lkffe fhðk, íku{Lku MkMÃkuLz fhðk, rþûkk fhðe yÚkðk

çkhíkhV fhðk Ãkhtíkw sYh sýkÞ íku «{kýu [eV

yufÍefÞwxeð ykuVeMkh ÃkøkkhËkh {uLkuStøk zehufxh fu

yrÄrLkÞ{Lke f÷{-76yuLke

òuøkðkELku Lkk{Ëkh nkEfkuxo

îkhk økuhçktÄkhýeÞ Xhkðu÷ nkuE

íkÚkk rhÍðo çkUf ykuV ErLzÞk

îkhk [eV yurfÍõÞwrxð

ykurVMkhLke rLk{ýqtf {kxu

zkÞhufxhkuLke çkkuzoLkk fk{ yLku Mk¥kk :-

1. sYh sýkÞ íku «{kýu çkeò ÃkøkkhËkh LkkufhkuLke rLk{ýwf

fhðe, íku{Lku ykÃkðkLkkt çkkuLkMk íkÚkk Ãkøkkh Lk¬e fhðk,

MkMÃkuLz fhðk, rþûkk fhðe yÚkðk çkhíkhV fhðk Ãkhtíkw

sYh sýkÞ íku «{kýu ÃkøkkhËkh {uLkuStøk zehufxh fu

{uLkushLke rLk{ýwtf yÚkðk çkhíkhVe / hkSLkk{wt çkkuzo ykuV

3h

íkuðk økwLnk {kxu økwLkuøkkh Xhkððk{kt ykÔÞku nkuÞ

íkku.

7. íkuðe ÔÞrfík yu fkuEÃký çkuLf yÚkðk çkeS

{tz¤e{ktÚke ÷eÄu÷ fkuE ÷kuLk Ãkhík [qfððk{kt fMkwh

nkuÞ.

8. íku ÔÞrfík yÚkðk íkuLkk fwxwtçkesLkku fkuE MkÇÞ su{kt

rník Ähkðíkku nkuÞ íku ftÃkLkeyu (ÃkuZe) ÷kuLkLke

Ãkhík [wfðýe ÷uýe Úkíke nkuÞ íku íkkhe¾ ÃkAe

fkuEÃký çkuLf yÚkðk çkeS {tz¤e{ktÚke ÷eÄu÷e

fkuE ÷kuLkLke Ãkhík [wfðýe{kt fMkwh nkuÞ.

9. íkuðe ÔÞrfíkLku økwshkík Mknfkhe fkÞËkLke f÷{

11Ãk Í nuX¤ økwLkk{kt Ëku»keík Xhkðu÷ nkuÞ.

10.(økuh÷kÞfkík çkkuzo ykuV zehufxMko {kxu) su ÔÞrfík

yÚkðk íku{Lke ÃkuZe fu ftÃkLke íku{s íku{Lkk fwxwtçkLkku

fkuE MkÇÞ(heÍðo çkutf ykuV ELzeÞkLkk íkk.h9-

04-h003 Lkk ÃkheÃkºk{kt Ëþkoðu÷ MktçktÄe MkÇÞku)

ÔÞrfíkøkík yÚkðk ¼køkeËkhe ÃkuZeLku çkUf{kt {u¤ðu÷

fhs çkkfe nþu íkku

fhu÷k fkuE hkufký yÚkðk çkUf ÃkkMkuÚke ÷eÄu÷e fkuE

÷kuLk rMkðkÞ çkutf MkkÚkuLke çkeS fkuE ÷uðzËuðz{kt íku

«íÞûk yÚkðk Ãkhkuûk ftE rník MktçktÄ Ähkðíkku Lk nkuÞ

íkku yÚkðk

11.fkÞËkLke f÷{-8h nuX¤ íkuLku sðkçkËkh Xhkððk{kt

ykÔÞku Lk nkuÞ íkku yÚkðk

1h. fkÞËkLke f÷{-91 nuX¤ {uSMxÙuxu ¾[oLke ðMkw÷kík

{kxuLkku fkuE nwf{ íkuLke Mkk{u fÞkou Lk nkuÞ, íkku, yÚkðk

13.íku fkÞËkLke f÷{-147 nuX¤Lkk økwLkkyku Ãkife fkuE

økwLkk {kxu yÚkðk fkuE çkUf {tz¤eLke r{÷fíkLkk MktçktÄ{kt

¼khíkeÞ VkusËkhe fkÞËkLke f÷{-403 nuX¤ fkuE

økwLkk çkË÷ Ëkur»kík sýkÞku Lk nkuÞ.

14.fkuE Ãký LkkýkfeÞ MktMÚkkLkku {wËíkrðíke çkkfeËkh nkuÞ.

1Ãk.(økuh÷kÞfkík çkkuzo ykuV zehufxMko {kxu) su ÔÞrfík yÚkðk

íku{Lke ÃkuZe fu ftÃkLke íku{s íku{Lkk fwxwtçkLkku fkuE

MkÇÞ(heÍðo çkutf ykuV ELzeÞkLkk íkk.h9-04-h003

Lkk ÃkheÃkºk{kt Ëþkoðu÷ MktçktÄe MkÇÞku)

ÔÞrfíkøkík yÚkðk ¼køkeËkhe ÃkuZeLku çkUf{kt {u¤ðu÷

fhs çkkfe nþu íkku

(34) çkkuzoLkk MkÇÞLku çkkuzo{ktÚke ¾MkuzðkLke heík:-

çkkuzoLkk fkuEÃký MkÇÞLku ¾kMk MkkÄkhý Mk¼k{kt XhkðÚke

çkkuzo{ktÚke ¾Mkuze þfkþu Ãkhtíkw íku Xhkð ¾kMk MkkÄkhý

Mk¼k{kt nksh hnu÷k MkÇÞkuLkk 3/4 {íkÚke ÃkMkkh ÚkÞu÷ku

nkuðku òuEyu.

[qtxkÞu÷k rzhufxhLku yk heíku Ëqh

fhðkLkk u MkkÄkhý Mk¼kLk u

yrÄfkh LkÚke

hË fhðwt30



(4Ãk.18) Mknfkhe ¾kíkk íkÚkk heÍðo çkutf ykuV RrLzÞkLke «Úk{

ÃkhðkLkøkeÚke su MÚk¤u þk¾k ¾ku÷ðkLke nþu íku MÚk¤u

çkkuzo ykuV zehufxMkoLku sYh ÷køkþu íkku þk¾kLkk Mkt[k÷Lk

íkÚkk {køkoËþoLk {kxu yuzðkEÍhe fr{rxLke rLk{ýwf

fhe þfþu.

þk¾k ¾ku÷ðk {kxu Vfík heÍðo

çkutf ykuV ErLzÞkLke {tsqheLke

sYh nkuÞ.

heÍðo çkUf ykuV ErLzÞkLke «Úk{ ÃkhðkLkøkeÚke su MÚk¤u

þk¾k ¾ku÷ðkLke nþu.

3Ãk

(4Ãk) (yu) Lkðe òuøkðkE heÍðo çkUf ykuV EzeÞkLke

íkk.31-1h-h019 Lke

Mkq[LkkykuLkku y{÷ fhðkLkku

nkuðkÚke

heÍðo çkUf ykuV ErLzÞkLke ð¾íkku ð¾íkLke Mkq[Lkkyku {wsçk

çkkuzo ykuV {uLkus{uLxLke h[Lkk fhðe íku{Lkk n¬ yLku Vhòu

Lk¬e fhðe, íku{Lku [wfððkÃkkºk Mkexeøk Ve yLku yLÞ

ykLkwMktrøkf çkkçkíkku Lk¬e fhðe.

36

(47) þk¾ fr{rx :-

ðÄw{kt ðÄw 11 MkÇÞkuLke þk¾ Lk¬e fhLkkhe fr{xe

çkLkþu yLku íku Ãkife 8 (ykX) MkÇÞkuLku Ãkkt[ ð»ko {kxu

[qtxe fkZðk{kt ykðþu. þk¾ fr{rx {kxu [qtxðk {kxu

Ãkuxk fkÞËk rLkÞ{-31(10) rMkðkÞLkk íkÚkk [qtxýeLkk

rLkÞ{kLkwMkkh 3 (10) rMkðkÞLke fkuEÃký økuh÷kÞfkík

Ähkðíkku Lkne nkuÞ íku Mk¼kMkË ÷kÞf økýkþu.

þk¾ fr{rxLkk çkkfeLkk ºký MkÇÞkuLke rLk{ýqf çkkuzo

ykuV zehufxMko fhþu su Ãkife h MkÇÞku çkuLfLkk «{w¾ /

{uLkuStøk zehufxh hnuþu yLku þk¾ fr{rxLke {exªøk{kt

çkUfLkk «{w¾ MÚkkLk ÷uþu. íku{Lke økuhnkshe{kt su íku

r{xªøkLkk «{w¾ íkhefu fr{xeLkk MkÇÞku ÃkkuíkkLkk{ktÚke

yufLku rLk{þu. çkUf MkkÚku su Mk¼kMkËku fk{ fhðk {ktøkíkk

nkuÞ íku{Lke þk¾ yk fr{xe{kt Lk¬e fhðk{kt ykðþu.

yLku ¢uzex hSMxh{kt LkkutÄ hk¾ðk{kt ykðþu. íkÚkk

çkkuzoLku ÞkuøÞ ¼÷k{ý fhþu.

rhÍðo çkUf ykuV ErLzÞkLke

Mk q[Lkkyk u {wsçk çkk uz o

{uLkus{uLxLke h[Lkk fhðkLke

nkuE yLku íku ytøkuLke òuøkðkE

Ãkuxk fkÞËk Lktçkh (4Ãk) (yu)

{kt fhðk{kt ykðu÷ nkuE þk¾

Mkr{ríkLke fkuE sYh LkÚke.

yk òuøkðkE hË fhðe.37

(4Ãk.14) çkUfLkk LkkufhkuLkk rník {kxu «kuðeztz Vtz, økúusÞwExeLkk

rLkÞ{ku íkiÞkh fhðk yLku rsÕ÷k hSMxÙkhLke {tswheÚke

y{÷{kt {wfðk.

ykðk rLkÞ{ku {tswh fhðkLkk

yrÄfkh çkkuzo ykuV rzhufxMkoLku

nkuE yLku su{kt hSMxÙkh©eLke

{tsqheLke sYh Lk nkuE

çkUfLkk LkkufhkuLkk rník {kxu «kuðeztz Vtz, økúusÞwExeLkk rLkÞ{ku

íkiÞkh fhðk yLku y{÷{kt {wfðk.

33

(4Ãk.16) zkÞhufxhkuLke çkkuzo ½zu÷k yLku hSMxÙkh Mkknuçku {tswh

fhu÷k MxkV MkðeoMk YÕMkLkku y{÷ fhðku.

ykðk rLkÞ{ku {tsqh fhðkLkk

yrÄfkh çkkuzo ykuV rzhufxMkoLku

nkuE yLku su{kt hSMxÙkh©eLke

{tsqheLke sYh Lk nkuE

zkÞhufxhkuLke çkkuzou ½zu÷k MxkV MkðeoMk YÕMkLkku y{÷ fhðku.34

{uLkushLke rLk{ýwtf yÚkðk çkhíkhVe / hkSLkk{wt Mknfkhe

{tz¤eykuLkk hSMxÙkh©e {tswhe {u¤ÔÞk ÃkAe çkkuzo ykuV

zehufxMko fhe þfþu.

zehufxMko fhe þfþu. [eV yurfÍõÞwxeð ykurVMkhLke rLk{ýqtf

rhÍðo çkUf ykuV ErLzÞkLke {tsqheLku ykÄeLk hnuþu.

íkk.31-1h-h019 Lkk hkus

Mkq[Lkkyku EMÞw fhu nkuÞ.



(Ãk1) {uuLkushLke Vhs :-

{uLkushLke Vhs Lke[u «{kýu Au íkuLkk WÃkh {uLkuStøk

zehufxh Ëu¾hu¾ hk¾þu.

(1) çkuLfLkku ÃkºkÔÞðnkh fhðku, íkuLkk ík{k{

[kuÃkzkyku,rnMkkçkku yLku Ãkºkfku hk¾ðk.

(h) fhs {ktøkýeLke, ÚkkÃkýku WÃkkze ÷uðk ðøkuhu

çkkçkíkLke yhSyku ÷uðe yLku yhSykuLke

[fkMkýe fhðe, yr¼«kÞku MkkÚku {uLkuStøk

zehufxhLke Mk÷kn Mkw[Lk «{kýu zehufxhkuLke

çkkuzo Mk{ûk hsw fhðe yLku Ãknkut[ku íkÚkk

ËMíkkðuòu íkiÞkh fhðk.

(3) zehufxhLke çkkuzoLkk nwf{ «{kýu çkUf íkhVÚke

Lkkýkt ÷uðk yLku ykÃkðk.

(4) zehufxhkuLke çkkuzo, {uLkuStøk zehufxh yøkh çkUfLkk

«{w¾ MkkutÃku íku ík{k{ çkUfLkk çkeò fk{ku fhðk.

(Ãk) økwshkík Mknfkhe fkÞËkLke f÷{-8Ãk {wsçk

ykuzex ËwhMíke heÃkkuxo çkUfLkk {uLkushu heÃkkuxo

{éÞkLke íkkhe¾Úke ºký {kMk{kt MktçktrÄík

ykuzexhLku fhðkLkku hnuþu, íku{ fhðk{kt [wf

ÚkÞu {uLkushLke ytøkík sðkçkËkhe hnuþu.

Mknfkhe fkÞËkLke f÷{-8ÃkLkuyLkwYÃk fhðk

Mke.E.yku./ sLkh÷ {uLkushLke Vhs :-

Mke.E.yku / sLkh÷ {uuLkushLke Vhs Lke[u «{kýu Au íkuLkk

WÃkh {uLkuStøk zehufxh Ëu¾hu¾ hk¾þu.

(1) çkUfLkku ÃkºkÔÞðnkh fhðku, íkuLkk ík{k{ [kuÃkzkyku,

rnMkkçkku yLku Ãkºkfku hk¾ðk.

(h) fhs {ktøkýeLke, ÚkkÃkýku WÃkkze ÷uðk ðøkuhu

çkkçkíkLke yhSyku ÷uðe yLku yhSykuLke [fkMkýe

fhðe, yr¼«kÞ

(3) zehufxhLke çkkuzoLkk nwf{ «{kýu çkUf íkhVÚke Lkkýkt

÷uðk yLku ykÃkðk.

(4) zehufxhkuLke çkkuzo, {uLkuStøk zehufxh yøkh çkUfLkk

«{w¾ MkkutÃku íku ík{k{ çkUfLkk çkeò fk{ku fhðk.

(Ãk) økwshkík Mknfkhe fkÞËkLke f÷{-8Ãk {wsçk ykuzex

ËwhMíke heÃkkuxo çkUfLkk {uLkushu heÃkkxo {éÞkLke

íkkhe¾Úke çku {kMk{kt MktçktrÄík ykuzexhLku fhðkLkku

hnuþu, íku{ fhðk{kt [wf ÚkÞu Mke.E.yku / sLkh÷

{uLkushLke ytøkík sðkçkËkhe hnuþu.

38

(Ãk3) Lkkýk çkòhLke rMÚkrík òuELku çkkuzo Lk¬e fhu÷k ÔÞksLkk

Ëhu yuf yøkh íkku ðÄw òík ò{eLku fu suyku çkUfLkk

Mk¼kMkËku nþu. íkuykuLke ò{eLkøkeheykuLkk Ãkh yLku

çkkuzo ykuV zehufxMkoLku ÞkuøÞ ÷køku íkku MÚkkðh r{ÕfíkLku

ò{eLkøkehe íkhefu hk¾e yLku íku WÃkhktík òík ò{eLk

÷ELku çkUf ÷kuLk fhs Äehþu.

çkUf ÃkkuíkkLkk Mk¼kMkËkuLku fuþ¢uzex ÷kuLk [k÷w ¾kíkk

yøkh ÚkkÃkýku WÃkh ykuðh zÙkVx ykÃkþu yøkh çkktÄe

{wËíkLke ÷kuLk Äehþu. yøkh Mk¼kMkËku ÃkkMku {wËíkLke

nwtze ¾heË fhþu, yøkh ze{kLz «ku. Lkkux WÃkh Lkkýkt

Äehþu, ÃkkuíkkLkk Mk¼kMkËLku ykÃkðkLke fuþ¢uzex

zkÞhufxhLke çkkuzuo ½zu÷k rLkÞ{kuLku ykÄeLk hnuþu.

Yk.Ãk000 fhíkkt ðÄkhu hf{Lke nwtze yøkh ze{kLz

«ku. Lkkux sÞkhu yuf Mk¼kMkË ÃkkMkuÚke ¾heË fhðkLke

nkuÞ íÞkhu zehufxhkuLke çkkuzuo {tswh fhu÷ ò{eLkøkehe

íkkhý{kt ÷uðe òuEyu. Lkkýkt çkòh rMÚkrík «{kýu xwtfe

{wËíkLke ÷kuLk {kxuLkk Ëh{kt VuhVkh fhðk{kt ykðþu.

MkkÄkhý Mk¼kLke ¾kMk {tsqhe rMkðkÞ fkuEÃký Mk¼kMkË

ÃkkMk u çkUfLkw t yuf ð¾íku ytøkík sðkçkËkheLkw t

òíkò{eLkkuðk¤wt fw÷ ÷uýwt Lke[u sýkÔÞk fhíkkt ðÄkhu

Úkðwt òuEyu Lkne. Ãkhtíkw LkkýkLke Mkøkðz nkuÞ íkku xwtfe

{wËík {kxu yux÷u fu yuf ðhMk yÚkðk íkuÚke ykuAe

{wËíkLku {kxu MkLku 188h Lkk xÙMx yufxLke f÷{-h0{kt

çkUfLke rÄhký Lkerík heÍðo çkUf

ykuV ErLzÞkLke Mkq[LkkykuLku

ykÄkhu Lk¬e fhðe VhrsÞkík

nkuÞ.

rhÍðo çkUf ykuV ErLzÞkLke ð¾íkku ð¾íkLke Mkq[LkkykuLku

æÞkLku ÷ELku çkUfLkk çkkuzo ykuV rzhufxMko îkhk Lk¬e fhðk{kt

ykðu÷ rÄhkýLkk rLkÞ{ku {wsçk çkUf rÄhký fhþu.

39



sýkðu÷e MkefÞkuhexe yÚkðk çkLkkMkfktXk rsÕ÷k {æÞMÚk

Mknfkhe çkUf ÷e. Lkk þuhLke ò{eLkøkehe WÃkh

ÃkuxkrLkÞ{-Ãk3 ykE Ãk3-yu. {kt sýkðu÷e

ò{eLkøkehe Ãkh Ãkwhíkwt íkkhý hk¾eLku zehufxhkuLke çkkuzo

fkuEÃký Mk¼kMkËLku ðÄkhu hf{ Äehe þfþu. ÷ktçke

{wËíkLke yk¾e ÄehÄkh MktçktÄ{kt çkkuzuo ½zu÷k rLkÞ{

yLkwMkkh ÄehÄkh fhðk{kt ykðþu.

þhkVe Äehký fhíke yLÞ Mknfkhe {tz¤e çkuLf{ktÚke

Äehký {u¤ðLkkhLku fhs ykÃkðk{kt ykðþu Lkrn.

LkkutÄ : çkUfLkwt Äehký WÃkhLke Ãkuxk f÷{kuLku ykÄeLk

hneLku fhþu. Ãkhtíkw íkuLkwt Äehký Lke[u sýkÔÞk fhíkkt

ðÄkhþu Lkne.

1. ÃkkuíkkLkk ¼tzku¤{ktÚke yufºk ¾kux çkkË síkkt çkkfeLke

hf{Lkk 90 xfk.

h. ÚkkÃkýkuLkk 60 xfk.

3. Lkkýkt ÄehÄkh MktMÚkkyku ÃkkMkuÚke {u¤ðu÷ fhsLkk

100 xfk.

(Ãk3) (y)Úke (su)

ÄehkýLke heík íkÚkk {ÞkoËk :-

çkUfLkk ík{k{ Äehkýku heÍðo çkUf ykuV ErLzÞk íkhVÚke

Äehkýku ytøku ð¾íkku ð¾ík yÃkkÞu÷k ykËuþ yLkwMkkh

ð¾íkku ð¾ík Lk¬e fhu÷ {kSoLk íkÚkk ÔÞksLkk Ëh

yLkwMkkh fkuEÃký yuf Mk¼kMkË ðuÃkkh íkÚkk WÄkuøk

{kxu Lk¬e ÚkÞu÷ {ÞkoËk{kt hneLku Äehký fhðk{kt

ykðþu.

çkuLfLkk yuftËh ¼tzku¤Lkk 1/3 fhíkkt ðÄkhu hf{ 1

ð»koÚke ðÄkhu {wËík MkkY yLku 1/4 fhíkkt ðÄkhu hf{ 3

ð»koÚke ÷ktçke {wËík MkkY Äehðk{kt ykðþu Lkne.

(çk) Lkku{eLk÷ MkÇÞkuLku MkÇÞkuLkk MkkuLkk, [ktËeLkk ½huýkt

íku{s Íðuhkík yLku MÚkkðh r{Õfík WÃkh zehufxhkuLke

çkkuzuo ð¾íkkuð¾ík Lk¬e fhu÷k ÔÞksLkk Ëhu fhs

Äehðk{kt ykðþu. Lkku{eLk÷ MkÇÞkuLku ykuAk{kt ykuAwt

yLku ðÄw{kt ðÄw fux÷wt fhs ykÃkðwt yLku íku fhs ¼hÃkkE

fhðkLke {wËík zkÞhufxhLkk çkkuzo Lk¬e fhþu. çkkuzuo ½zu÷k

yLku hSMxÙkh©eyu {tswh fhu÷ rLkÞ{ku {wsçk Äehðk{kt

ykðþu.

(Mke) {wtçkE yLku ËuþkðhLkk çkeò þnuhku WÃkhLke

ËþoLkeÞ nwtze hMkeË, nwtze íkÚkk yuf f{eþLk ÷E

Mk¼kMkËku ÃkkMkuÚke ¾heË fhðkLkwt yøkh ðMkw÷ fhe

ykÃkðkLkwt íkÚkk fkuEÃký þÏMkLku ÃkkuíkkLkk [uufku ðu[ðkLkwt

fk{ fhþu. yufe ð¾íku [uf íkÚkk ËþoLkeÞ nwtze fhðk

{kxuLke ðÄw{kt ðÄw ÔÞrfíkøkík nË þk¾ fr{rx ðkhtðkh

su þk¾ Lk¬e fhu íkuLku ykÄeLk hneLku ËþoLkeÞ nwtze

Ãkuxk rLkÞ{ Ãk3 {wsçk çkUfLke

rÄhký Lkerík heÍðo çkUf ykuV

ErLzÞkLke Mkq[LkkykuLku ykÄkhu

Lk¬e fhðe VhrsÞkík nkuÞ.

yk òuøkðkE hË fhðe.40



yLku [uf {kxu YrÃkÞk hÃk000 yLku hMkeË nwtze {kxu

Yk. 1,00,000 MkwÄeLke hnuþu yLku yk fk{{kt çkuLfLke

{wze Ãk ÷k¾Úke ðÄw nþu Lkne. çkeLk Mk¼kMkËkuLkk [ufku

yøkh nwtzeyku ðMkw÷ Úkðk {kxu ÷uðk{kt ykðþu. Ãkhtíkw

íku Mkk{u Äehký fhðk{kt ykðþu Lkne. yk ytøkuLkk

rLkÞ{ku yøkkWÚke Mknfkhe ¾kíkk ÃkkMku {tswh fhkðe

÷uðkLkk hnuþu.

(ze) ðuÃkkhe, fkheøkhkuyu çkLkkðu÷ku {k÷ f{eþLkÚke

ðu[e ykÃkðkLkwt fk{ Ãký çkUf fhþu. ðu[kðk ykðu÷ku

{k÷ ò{eLkøkehe{kt hk¾e íku {k÷Lke çkòh ¼kð

«{kýu Úkíke hf{Lkk ðÄkhu{kt ðÄkhu 60 xfk çkUf Lkkýkt

Äehe þfþu.

(yuV) zehufxhkuLke çkkuzoLke Lk¬e fhu íku íkÚkk

hSMxÙkh©eyu {kLÞ fhu÷ rLkÞ{ku «{kýu ÃkkuíkkLkk

Mk¼kMkËku {kxu f{eþLk ÷E çkutf ¢uzex ykuÃkLk fhþu

íku{s çkUfLkk fkÞoûkuºk{kt {k÷ ykÞkík fhðk{kt íkÚkk

çknkh rLkfkMk fhðk{kt Ëhuf òíkLke Mkøkðz fhkðe

ykÃkþu.

(S) çkUf ÃkkuíkkLkk Mk¼kMkËkuLkku fk[ku {k÷ Þk Ãkkfku

{k÷ ò{eLkøkehe íkhefu fçkò{kt hk¾e {k÷ çkòh

¼kð yÚkðk Ãkzíkh rft{ík «{kýu yu çku{ktÚke su

ykuAe Úkíke hf{Lkk ðÄw{kt ðÄw 70 xfk MkwÄe Lkkýkt

zehufxhkuLke çkkuzuo ½zu÷k yLku hSMxÙkh Mkknuçku {tswh

fhu÷k rLkÞ{ku {wsçk Äehe þfþu.

MkkuLkk-[ktËeLkk ËkøkeLkkLke ò{eLkøkehe ÃkhLkwt rÄhký

:-

(yu[) yk Ãkuxk fkÞËkLke YEyu fkuEÃký yuf Mk¼kMkË

yÚkðk Lkku{eLk÷ Mk¼kMkËLku ðÄw{kt ðÄw Äehký fhðkLke

nË Yk.Ãk0,000/- Lke hnuþu, ðÄw{kt ðÄw Äehký Ãkuxk

fkÞËk-Ãk3 (y) Lke {ÞkoËk{kt hneLku fhe þfkþu.

(ykE) Ãkuxk rLkÞ{ku-Ãk3{kt su fktE {wfðk{kt ykÔÞwt Au

íku Aíkkt Mkhfkhe fkøk¤ku, BÞwrLkrMkÃk÷ zeçkuL[Mko yLku

çkkuzuo {tswh fhu÷e rLkÞr{ík heíku zeðeztz ykÃkíke MkæÄh

òuELx Mxkuf ftÃkLkeykuLke ò{Lkeøkehe WÃkh fkuEÃký

ÔÞrfíkLku ðÄw{kt ðÄw 10,000 MkwÄeLkwt rÄhký fhþu.

Ãkhtíkw yk «fkhLke ÄehkýLke fw÷ nË çkUfLkk yuftËh

¼tzku¤Lkk 1/3 ¼køk fhíkkt ðÄw nþu Lkne.

(Ãk3) (su) WÃkh {wsçkLkk Äehký Aíkkt fkuE ¾kMk

Mktòuøkku{kt fkuE ¾kMk «fkhLkwt Äehký suðwt fu MÚkkrLkf

Mðhks MktMÚkkLku, ðuÃkkhe {tz¤, Ãkç÷ef xÙMx fu rMkLku{k

øk]n, nkux÷ çkktÄðk, MxuzeÞ{ çkktÄðk {kxu rÄhký



(54) (54) {wËík ykÃkðk MktçktÄe íkÚkk {wËík [wfuÚke rþûkk

ÔÞks ÷uðk MktçktÄe :-

su nóuÚke fhs ðMkw÷ fhðkLkwt nþu íku zehufxhkuLke çkkuzo

Lk¬e fhþu yLku sYh Ãkzu íÞkhu ðÄkhu{kt ðÄkhu yuf

ð¾íku yuf ðhMk {kxu {wËík ðÄkhe ykÃke þfþu. nÃíkk

{kxu Ëþkoðu÷e íkkhe¾Úke yuf ð¾íku yuf ðhMk fhíkkt

ðÄkhu {wËík {kxuLke yhSLkku rLkfk÷ MkkÄkhý Mk¼k

fhþu. ÷uýe ÚkÞuÚke íkkhe¾Úke 14 rËðMk ytËh su-su

nÃíkkLke hf{ ðMkw÷ ykÃkðk{kt Lk ykðu íkuLkk WÃkh

Xhkðu÷k ÔÞksLkk ËhÚke MkðkÞw ÔÞks ÷uðk{kt ykðþu.

÷kuLk yøkh nÃíkk Ãkkfu íÞkh ÃkAe 14 rËðMkLke ytËh

Lkkýkt fu{ ¼he þfkÞk LkÚke íku çkkuzoLku sýkððk{kt

ykðu yLku çkkuzoLku íku fkhýku ÔÞksçke ÷køku íku çkkuzo rþûkk

ÔÞks {kV fhe þfþu. yk rðøkík Ëhuf fhsËkhLke

ÃkkMkçkwf{kt sýkððk{kt ykðþu.

yk ytøku çkkuzo ykuV rzhufxMkoLkuyrÄfkh nkuÞ

(54) {wËík ykÃkðk MktçktÄe íkÚkk {wËík [wfuÚke rþûkk ÔÞks

÷uðk MktçktÄe :-

su nóuÚke fhs ðMkw÷ fhðkLkwt nþu íku zehufxhkuLke çkkuzo Lk¬e

fhþu yLku sYh Ãkzu íÞkhu {wËík ðÄkhe ykÃke þfþu. ÷uýe

ÚkÞu÷e íkkhe¾Úke 14 rËðMk ytËh su-su nÃíkkLke hf{

ðMkw÷ ykÃkðk{kt Lk ykðu íkuLkk WÃkh Xhkðu÷k ÔÞksLkk ËhÚke

MkðkÞw ÔÞks ÷uðk{kt ykðþu. ÷kuLk yøkh nÃíkk Ãkkfu íÞkh

ÃkAe 14 rËðMkLke ytËh Lkkýkt fu{ ¼he þfkÞk LkÚke íku

çkkuzoLku sýkððk{kt ykðu yLku çkkuzoLku íku fkhýku ÔÞksçke

÷køku íku çkkuzo rþûkk ÔÞks {kV fhe þfþu.

41

(58) ÚkkÃký Ãkkfe økÞk ÃkAe ÔÞks ykÃkðkLke heík :-

çkktÄe {wËíkLke ÚkkÃký WÃkh {wËík Ãkwhe ÚkÞk çkkË

zehufxhkuLke çkkuzo ÚkkÃký {wfLkkhLke Mkneyku ÃkhÚke íku

ÚkkÃký çkeS ðÄw {wËík MkkYt fçkw÷ hk¾e nkuÞ íku rMkðkÞLkk

{kxu [k÷w ÚkkÃkýLkk ÔÞks Ëhu ÔÞks ykÃkðk{kt ykðþu.

[k÷w ÚkkÃký Ãkh ÔÞks ykÃkeþfkíkwt Lk nkuE

ÚkkÃký Ãkkfe økÞk ÃkAe ÔÞks ykÃkðkLke heík :-

çkktÄe {wËíkLke ÚkkÃký WÃkh {wËík Ãkwhe ÚkÞk çkkË íku ÚkkÃký

çkeS ðÄw {wËík MkkYt fçkw÷ hk¾e nkuÞ íku rMkðkÞ çk[ík

ÚkkÃkýLkk Ëhu yÚkðk rhÍðo çkUf ykuV ErLzÞkLke ð¾íkku

ð¾íkLke Mkw[Lkkyku {wsçk ÔÞks ykÃkðk{kt ykðþu.

4h

ykÃkðk ykðk ÄehkýLke ÔÞrfíkøkík {ÞkoËk

Yk.3,00,000 Lke hnuþu. yLku ykðwt çkÄw {¤eLku

Äehký çkUfLkk yuftËh ¼tzku¤Lkk 1/3 ¼køk fhíkkt ðÄw

nþu Lkne. ykðwt ¾kMk «fkhLkwt Äehký yk ytøkuLkk

rLkÞ{ku {ËËLkeþ SÕ÷k hSMxÙkh©e ÃkkMkuÚke {tswh

fhkÔÞk çkkË s fhe þfkþu.

1. yk Ãkuxk rLkÞ{ku{kt swËk swËk rÄhký ytøku øk{u íku

{ÞkoËkyku çkíkkððk{kt ykðu÷ nkuÞ, Ãkhtíkw heÍðo çkUf

ykuV ErLzÞk íkhVÚke Äehký ytøku ð¾íkku ð¾ík

yÃkkÞu÷k ykËuþ «{kýu {ÞkoËk{kt íkÚkk Lk¬e ÚkÞu÷

{kSoLk «{kýu Mk¼kMkËkuLku ÄehkýLke Mkøkðzku

ykÃkðk{kt ykðþu.

(fu) çkutf{ktÚke Äehký {u¤ðLkkh Mk¼kMkËkuyu {tswh ÚkÞu÷

fsoLkk Lke[u «{kýu þuh Äkhý fhðkLkk hnuþu.

(1) MkefÞkuzo ÷kuLk {kxu h.1/h %

(h) yLk rMkfÞkuzo ÷kuLk {kxu 5%

(3) M{k u÷ Mf u÷ ELzMxÙeÍ {kxu «Úk{ ð»k u o

1 % çkeò ð»kuo h% íkÚkk íÞkh çkkË h.1/2%



(60) (yu) [kuÏ¾ku LkVku yLku íkuLke ÔÞðMÚkk :-

Ãkuxk rLkÞ{-60 {kt sýkðu÷e hf{Lke fÃkkík ÚkÞk

ÃkAe çkkfe hnuþu íku [kuÏ¾ku LkVku økýkþu yLku íku{ktÚke

Lke[u {wsçk ÔÞðMÚkk Úkþu.

1. [kuÏ¾ku LkVkLke hÃk xfk fhíkkt ykuAe Lkne yuðe

hf{ yLkk{ík ¼tzku¤ (heÍðo Vtz) ¾kíku ÷E

sðk{kt ykðþu.

h. su íku ð»koLkk ytíku þuhLkk {kr÷fkuLkk Lkk{ WÃkh

ðMkw÷ ykðu÷ þuh ¼tzku¤Lke hf{ nkuÞ íkuLkk WÃkh

MkkÄkhý Mk¼k Xhkðu íku Ëhu Mknfkhe fkÞËkLke

{ÞkoËk{kt hne Mk¼kMkËku Lku zeðeztz ðnut[ðk

Vk¤ððk{kt ykðþu.

3. Mknfkhe fkÞËkLke f÷{-69 (1) yLðÞu SÕ÷k

Mknfkhe Mkt½Lku ykÃkðkLkku rþûký Vk¤ku fkZðku.

4. çkUfLkk [kuÏ¾k LkVkLkk çku xfkÚke ykuAwt Lkne yLku

6 xfkÚke ðÄkhu Lkne íkux÷e hf{ zeðezLz

Efðe÷kEÍuþLk Vtz ¾kíku fkZðk{kt ykðþu, Ãkhtíkw

yk hf{ fkuEÃký ð¾íku þuh ¼tzku¤Lkk 10 xfkÚke

ðÄkhu òuEyu Lknet.

Ãk. 1Ãk xfk MkwÄeLke hf{ Ä{koËk Vtz {kxu çkUfLkk

[kuÏ¾k LkVk{ktÚke fkZðk{kt ykðþu. yk hf{Lkwt

1. rzrðztz

Efðe÷kEÍuþLk Vtz {kxu

Mknfkhe fkÞËk{kt fkuE

{n¥k{ {ÞkoËk Lk¬e

fhðk{kt ykðu÷ Lk nkuE

h. Ä{koËk Vtz ðkÃkhðk {kxu

fkuELke {tsqheLke sYh Lk

nkuE

3. f÷{ 67. yuLku yLkwYÃk

fhðk

[kuÏ¾ku LkVku yLku íkuLke ÔÞðMÚkk :-

Ãkuxk rLkÞ{-60{kt sýkðu÷e hf{Lke fÃkkík ÚkÞk ÃkAe

çkkfe hnuþu íku [kuÏ¾ku LkVku økýkþu yLku íku{ktÚke Lke[u {wsçk

ÔÞðMÚkk Úkþu.

1.[kuÏ¾k LkVkLke hÃk xfk fhíkkt ykuAe Lkne yuðe hf{

yLkk{ík ¼tzku¤ (heÍðo Vtz) ¾kíku ÷E sðk{kt

ykðþu.

h. su íku ð»koLkk ytíku þuhLkk {kr÷fkuLkk Lkk{ WÃkh ðMkw÷

ykðu÷ þuh ¼tzku¤Lke hf{ nkuÞ íkuLkk WÃkh MkkÄkhý

Mk¼k Xhkðu íku Ëhu Mknfkhe fkÞËkLke {ÞkoËk{kt hne

Mk¼kMkËku Lku zeðeztz ðnU[ðk Vk¤ððk{kt ykðþu.

3. Mknfkh fkÞËkLke f÷{-69 (1) yLðÞu SÕ÷k

Mknfkhe Mkt½Lku ykÃkðkLkku rþûký Vk¤ku fkZðku.

4. MkkÄkhý Mk¼k Lk¬e fhu íkux÷e hf{ zeðezLz

Efðe÷kEÍuþLk Vtz ¾kíku fkZðk{kt ykðþu.

Ãk. Mknfkhe fkÞËk {wsçk MkkÄkhý Mk¼k Lk¬e fhu íkux÷e

hf{ Ä{koËk Vtz {kxu

6. zwçkík ÷uýkt Vtz Mknfkhe fkÞËkLke ð¾íkku ð¾íkLke

òuøkðkE {wsçk

60 (çke) çkkfe hnu÷k [kuÏ¾k LkVkLke ÔÞðMÚkk

f÷{ Lktçkh 60 (yu) «{kýuLke ÔÞðMÚkk ÃkAe çkkfe

44

(60) fk[ku LkVku yLku íkuLke ÔÞðMÚkk :-

ðkr»kof MkkÄkhý Mk¼k{kt ÃkkA÷k ðhMk{kt ÚkÞu÷ku fk[ku

LkVku ònuh fhðk{kt ykðþu yLku íku{ktÚke Lke[u «{kýu

ðnU[ýe fhðk{kt ykðþu.

1. fhs yLku ÚkkÃkýku WÃkh ykÃkðkLkwt ÔÞks.

h. çkUfLkk fk{fksLkwt ¾[o.

3. ykMkk{e ¾kã ÷¾e ðk¤ðkLke hf{, ykMkk{e

¾kÄLku Ãknkut[e ð¤ðk {kxu ¾ku÷u÷k Vtzku{kt ÷E

sðkLke hf{ íkÚkk çkUfLke {k÷efeLke Mkhfkhe yøkh

çkeS ò{eLkøkeheLkk çkòh ¼kðLke rft{íkLkk

½xkzk Vtz{kt ÷E sðkLke hf{ yÚkðk çkeS

fkuE òíkLkwt LkwfþkLk.

4. {fkLk íkÚkk ûkeý Úkíke r{ÕfíkLke rft{ík{kt ÚkÞu÷ku

½xkzku.

Ãk. çkUfu ½zu÷k yLku {nuhçkkLk hrsMxÙkh Mkknuçku {tswh

fhu÷k rLkÞ{kuLku ykÄeLk hneLku økúuåÞwExe Vtz

¾kíkuLkku Vk¤ku íkÚkk MxkV «kurðztz VtzLkk rLkÞ{ku

{wsçk çkUf íkhVÚke ykÃkðkLkku Vk¤ku.

fk[k LkVkLke òuøkðkE{ktÚke çkkË

fhðkLkk ¾[koLk u yLk wYÃk

òuøkðkE {kxu

fk[ku LkVku yLku íkuLke ÔÞðMÚkk :-

ðkr»kof MkkÄkhý Mk¼k{kt ÃkkA÷k ðhMk{kt ÚkÞu÷ku fk[ku LkVku

ònuh fhðk{kt ykðþu yLku íku{ktÚke Lke[u «{kýu ðnU[ýe

fhðk{kt ykðþu.

1. fhs yLku ÚkkÃkýku WÃkh ykÃkðkLkwt ÔÞks.

h. çkUfLkk fk{fksLkwt ¾[o.

3. ykMkk{e ¾kÄ ÷¾e ðk¤ðkLke hf{, ykMkk{e ¾kÄLku

Ãknkut[e ð¤ðk {kxu ¾ku÷u÷k Vtzku{kt ÷E sðkLke hf{

íkÚkk çk UfLke {k÷efeLke Mkhfkhe yøkh çkeS

ò{eLkøkeheLkk çkòh ¼kðLke rft{íkLkk ½xkzk Vtz{kt

÷E sðkLke hf{ yÚkðk çkeS fkuE òíkLkwt LkwfþkLk.

4. {fkLk íkÚkk ûkeý Úkíke r{÷fíkLke rft{ík{kt ÚkÞu÷ku ½xkzku.

Ãk. çkUfu {tswh fhu÷k rLkÞ{kuLku ykÄeLk hneLku økúußÞwExe Vtz

¾kíkuLkku Vk¤ku íkÚkk MxkV «kurðztz VtzLkk rLkÞ{ku {wsçk

çkUf íkhVÚke ykÃkðkLkku Vk¤ku.

6. ð»koLkk ytíku [wfððk Ãkkºk ¾[koykuLke òuøkðkEyku

fhðe.

7. ykÃkðkÃkkºk Ãký Lknª yÃkkÞu÷ ykðfðuhkLke

òuøkðkE

ð»ko {kxuLkk [kuÏ¾k LkVk{kt yøkkWLkk ð»kkou{kt [zík

Ãkhtíkw ÃkAeLkk ð»ko{kt ¾hu¾h ðMkw÷ ÚkÞu÷wt ÔÞks W{uhe

þfkþu.

43



(63) rnMkkçk yLku ËVíkhku :-

rnMkkçkku yLku ËVíkhku {nuhçkkLk hSMxÙkh Mkknuçku {wfhh

fhu÷k yÚkðk {tswh fhu÷k Lk{wLkk{kt zehufxhkuLke çkkuzoLku

sYh ÷køku íkuðk MkwÄkhk-ðÄkhk MkkÚku hk¾ðk{kt

ykðþu.

rnMkkçkk u fÞk Lk{qLkk{k t

hk¾ðkyu rhÍðo çkUf ykuV

ErLzÞk îkhk Lk¬e fhðk{kt

ykðíkwt nkuðkÚke

rnMkkçk yLku ËVíkhku :-

rnMkkçkku yLku ËVíkhku {nuhçkkLk hSMxÙkh Mkknuçku yLku rhÍðo

çkUf ErLzÞkyu {wfhh fhu÷k yÚkðk {tswh fhu÷k Lk{wLkk{kt

zehufxhkuLke çkkuzoLku sYh ÷køku íkuðk MkwÄkhk-ðÄkhk MkkÚku

hk¾ðk{kt ykðþu.

4Ãk

(66) zeMxÙefx çkutf MkkÚku MktÞkuSík Úkðk çkkçkík :-

yk çkutf ©e çkLkkMkfktXk rsÕ÷k {æÞMÚk çkUf MkkÚku MktÞkuSík

Úkþu.

økwshkík hkßÞ Mknfkhe çkUfyu

yuÃkuûk çkUf nkuÞ yuLke MkkÚku

MktÞkuSík Úkðk {kxu

økwshkík hkßÞ Mknfkhe çkUf yLku zeMxÙefx çkUf MkkÚku MktÞkuSík

Úkðk çkkçkík :- yk çkUf økwshkík hkßÞ Mknfkhe çkUf yLku ©e

çkLkkMkfktXk SÕ÷k {æÞMÚk çkUf MkkÚku MktÞkuSík Úkþu.

46

(67) hkßÞ yLku SÕ÷k Mknfkhe Mkt½Lkk Mk¼kMkË Úkðk

çkkçkík :- yk çkUfu økwshkík hkßÞ Mknfkhe ÞwrLkÞLk

íkÚkk çkLkkMkfktXk SÕ÷k Mknfkhe çkkuzoLkk Mk¼kMkË Úkþu

yLku Xhkðu÷e ðkr»kof Ve ¼hþu.

rsÕ÷k Mkt½Lkwt ÞkuøÞ Lkk{ yk{u

s fhðk.

hkßÞ yLku SÕ÷k Mknfkhe Mkt½Lkk Mk¼kMkË Úkðk çkkçkík

:- yk çkutfu økwshkík hksÞ Mknfkhe ÞwrLkÞLk íkÚkk çkLkkMkfktXk

SÕ÷k Mknfkhe Mkt½Lkk Mk¼kMkË Úkþu yLku Xhkðu÷e ðkr»kof

Ve ¼hþu.

47

(68) yk çkUf økwshkíkLke yçkoLk çkUf ÞwrLkÞLk MkkÚku òuzkþu. çkUf yLÞ VuzhuþLkkuLkk MkÇÞ çkLke

þfu íku {kxu

yk çkutf økwshkík yçkoLk çkUf VuzhuþLk íkÚkk yLÞ VuzhuþLkku

MkkÚku òuzkE þfþu.

48

økwshkík hksÞ Mknfkhe Mkt½ yÚkðk su{Lku yrÄfkh

ykÃÞku nþu íkuLke {tsqhe {u¤ÔÞk çkkË ðkÃkhðk{kt

ykðþu.

60 (çke) çkkfe hnu÷k [kuÏ¾k LkVkLke ÔÞðMÚkk

f÷{ Lktçkh 60 (yu) «{kýuLke ÔÞðMÚkk ÃkAe

çkkfe hnu÷k LkVk{ktÚke Lke[u «{kýu ðnU[ýe

fhðk{kt ykðþu.

(1) zwçkík ÷uýkt Vtz 1Ãk%(h) çkeÕzetøk Vtz 30%

(3) Mk¼kMkË fÕÞkýrLkrÄ Vtz íkÚkk Mk¼kMkË ¼ux

40% (4) MxkV çkkuLkMk Vtz Ãk% (Ãk) f{o[khe

fÕÞkýrLkrÄ Vtz Ãk% (6) Wsðýe Vtz Ãk%

çkutf ðíke Mkne fhðkLkku yrÄfkh :- «{w¾, WÃk«{w¾,

{uLkuStøk zehufxh, òuELx {uLkuStøk zehufxh, {uLkush,

yufkWLxLx, Mkçk yufkWLxLx, ÷kuLk RLMkÃkufxh, fuþeÞh,

f÷kfo yu Ãkife çkkuzo ykuV zehufxh ð¾íkku ð¾ík su íku

nkuËTuËkhkuLku yrÄfkh ykÃkþu yLku çku sýLke MktÞwfík

MkneÚke çkuLfLkku ðneðx yLku çkufªøk ÔÞðnkh fhe

þfkþu. çkuLfLkk yLÞ fk{fks rMkðkÞ, çkuLfLkk hkuStËk

fk{{kt çkUf [uf, zÙkVx nwtze, ÚkkÃký hMkeË ykÃkðe

çkeÕMk ykuV yuûk[uLs çkuLf yLku ÃkkuMxLkkt çke÷ku WÃkh

yuLzkuMko{uLx fhðk ðøkuhu çkkçkíkku{kt yrÄf]ík fhu÷k çku

þÏMkku WÃkhkufík Ãkife øk{u íku yufLke Mkne fhe þfkþu

yLku þuhLkk «{kýÃkºk WÃkh «{w¾, {uLkuStøk zehufxh

yLku {uLkush yu ºkýu{ktÚke øk{u íku çkuLke Mkne fhe þfkþu.

Ãkhtíkw íku{kt «{w¾Lke Mkne VhSÞkík hnuþu.

MkneLkku yrÄfkh fuþeÞh yLku

f÷kfoLku ykÃkðkLkku Lk nkuðkÚke

çkutf ðíke Mkne fhðkLkku yrÄfkh :- çkkuzo ykuV zehufxh

ð¾íkku ð¾ík Lk¬e fhe íkuðk f{o[khe / yrÄfkheyku Ãkife çku

sýLke MktÞwfík MkneÚke çkUfLkku ðneðx yLku çkufetøk ÔÞðnkh

fhðkLkk yrÄfkh ykÃkþu. çkUfLkk yLÞ fk{fks rMkðkÞ,

çkUfLkk hkuStËk fk{{kt çkUf [uf, zÙkVx nwtze, ÚkkÃký hMkeË

ykÃkðe çkeÕMk ykuV yuûk[uLs çkUf yLku ÃkkuMxLkkt çke÷ku WÃkh

yuLzkuMko{uLx fhðk ðøkuhu çkkçkíkku{kt yrÄf]ík fhu÷k çku þÏMkku

WÃkhkufík Ãkife øk{u íku yufLke Mkne fhe þfkþu yLku þuhLkk

«{kýÃkºk WÃkh «{w¾, {uLkuStøk zehufxh yLku Mke.E.yku./

sLkh÷ {uLkush yu ºkýu{ktÚke øk{u íku çkuLke Mkne fhe þfkþu.

Ãkhtíkw íku{kt «{w¾Lke Mkne VhSÞkík hnuþu.

49 (69)

hnu÷k LkVk{ktÚke Lke[u «{kýu ðnU[ýe fhðk{kt

ykðþu.

(1) hË fhðwt (h) çkeÕzªøk Vtz Ãk0% (3) Mk¼kMkË

fÕÞkýLkeÄe Vtz íkÚkk Mk¼kMkË ¼ux 4Ãk% (4) hË

fhðwt (Ãk) f{o[khe fÕÞkýLkeÄe Vtz Ãk% (6) hË fhðwt



(73) rLkÞ{ ½zðkLke Mk¥kk MktçktÄe :-

zehufxhkuLke çkkuzoLku Lke[uLke çkkçkíkku WÃkh rLkÞ{ku ½zðkLke

yLku íku rLkÞ{ku {nuhçkkLk hSMxÙkh MkknuçkLke {tswhe

{u¤ÔÞk çkkË y{÷{kt {wfðkLke Mk¥kk ykÃkðk{kt ykðu

Au.

1. fuþ¢uzex ykÃkðk MktçktÄe :- økkuzkWLkLkk {k÷ íkkhý

yÚkðk nkEÃkkuÚkefuþLk WÃkh Äehký {kxu,

h. MkkuLkk, [ktËeLkk ËkøkeLkk yLku Íðuhkík WÃkhLkk

rÄhký {kxu.

3. MxkV MkrðoMk, YÕMk, «kurðztz yLku økúusÞwExe Vtz

YÕMk.

4. ÄehÄkh fhðk MktçktÄe rLkÞ{ku.

Ãk. nwtze, [uf, ÞwÍLMk çke÷Lkk ðxkð {kxu.

6. MkuV rzÃkkuÍex ðkuÕx ytøku rLkÞ{ku.

7. [qtxýeLkk rLkÞ{ku.

yk rLkÞ{ku {tsqh fhðkLke çkUfLkk

çkkuzoLku Mk¥kk nkuðkÚke yLku

hkSMxÙkh©eLke {tsqhe sYhe Lkk

nkuÞ.

rLkÞ{ ½zðkLke Mk¥kk MktçktÄe :-

zehufxhkuLke çkkuzoLku Lke[uLke çkkçkíkku WÃkh rLkÞ{ku ½zðkLke

y{÷{kt {wfðkLke Mk¥kk ykÃkðk{kt ykðu Au.

1. fuþ¢uzex ykÃkðk MktçktÄe :-

økkuzkWLkLkk {k÷ íkkhý yÚkðk nkEÃkkuÚkefuþLk WÃkh

Äehký {kxu,

h. MkkuLkk, [ktËeLkk ËkøkeLkk yLku Íðuhkík WÃkhLkk Äehký

{kxu.

3. MxkV MkrðoMk, YÕMk, «kurðztz yLku økúusÞwExe Vtz YÕMk.

4. ÄehÄkh fhðk MktçktÄe rLkÞ{ku.

Ãk. nwtze, [uf, ÞwÍLMk çke÷Lkk ðxkð {kxu.

6. MkuV zeÃkkuÍex ðkuÕx ytøku rLkÞ{ku.

7. [qtxýeLkk rLkÞ{ku.

Ãk1

(7h) MxkV «kurðztz Vtz yLku økúusÞwExe MktçktÄe :-

zehufxhkuLke çkkuzuo Lk¬e fhu÷k yLku {nuhçkkLk hSMxÙkh

Mkknuçku {tswh hk¾u÷k rLkÞ{kuLku ykÄeLk hneLku zehufxhkuLkwt

çkkuzo çkUfLkk LkkufhkuLkk rník {kxu «kurðztz Vtz íku{s

økúusÞwExe VtzLke ÞkusLkk y{÷{kt {qfe þfþu yLku íku{kt

Vk¤ku ykÃke þfþu.

yk rLkÞ{ku {tsqh fhðkLke çkUfLkk

çkkuzoLku Mk¥kk nk uðkÚke yLku

hkSMxÙkh©eLke {tsqhe sYhe Lkk

nkuÞ.

MxkV «kurðztz Vtz yLku økúusÞwExe MktçktÄe :-

zehufxhkuLke çkkuzuo {tswh hk¾u÷k rLkÞ{kuLku ykÄeLk hneLku

zehufxhkuLkwt çkkuzo çkUfLkk LkkufhkuLkk rník {kxu «kurðztz Vtz íku{s

økúusÞwExe VtzLke ÞkusLkk y{÷{kt {qfe þfþu yLku íku{kt

Vk¤ku ykÃke þfþu.

Ãk0

G çkuLfLke «økríkLkku ynuðk÷ G

ð»ko

31-3-14

31-3-15

31-3-16

31-3-17

31-3-18

31-3-19

31-3-20

ðMkw÷ ykðu÷þuh ¼tzku¤

39287900

46735975

54026825

60870975

90341750

102237850

121116250

Mk¼kMkËMktÏÞk

7001

7191

7347

7487

7877

7991

8226

heÍðoíkÚkk yLÞ Vtzku

152715562

164631987

177890791

193944559

212972673

244479225

292451274

ÚkkÃkýku

1297116473

1404461093

1520067173

1954509743

2230237749

2669524573

3401995825

rÄhkýku

659338933

770913071

911358433

1023926851

1229869892

1601663768

1880724263

LkVku

11788000

11845675

12865000

14200000

20500000

29151000

33551000

ðnU[u÷zeðeztz

14%

14%

14%

12%

12%

12%

12%

ykuzexðøko

y

y

y

y

y

y

-

fkÞo ¼tzku¤

1587759563

1737740534

1908021472

2353513229

2633783118

3067013036

3868441863

* MkkÄkhý Mk¼kLke {tsqhe íkÚkk heÍðo çkUf ykuV ELzeÞkLke {tsqheLke yÃkuûkkyu.

*

Äe çkLkkMkfktXk {fuoLxkE÷ Report-2020... · 2020. 8. 11. · 3 48{ku ðkr»kof ynuðk÷...

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Transcript of Äe çkLkkMkfktXk {fuoLxkE÷ Report-2020... · 2020. 8. 11. · 3 48{ku ðkr»kof ynuðk÷...