BusinessPolicy Guidelines 2014 15

8/12/2019 BusinessPolicy Guidelines 2014 15

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m g m{ H Z r{ -{ X }e Business Policy Guidelines2014-15

1

A good plan implemented today is better than a perfect plan implemented tomorrow George Patton

BUSINESS POLICY GUIDELINES: 2014-15

I am sure that the Rays of Baroda Sun, as in the previous years, will continue to bring

Thus, let me put the strategic actions, thoughts and perspectives that formed part of

Picasso who rightly said that Our goals can only be reached through a vehicle of a

plan, in which we must fervently believe, and upon which we must vigorously act.There is no other route to success.

Companies

that made progress from good results to great results and sustained such growth

for at least 15 years

and realizing bigger dreams to take our Bank from Good to Great

Sensing the business opportunities, macroeconomic and Banking environment prevailing


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m g m{ H Z r{ -{ X }eBusiness Policy Guidelines2014-15

As part of our run up towards TTB, we worked with long range mindset on the following

service passbook printers, cash counting machines and Bunch Note Acceptors (BNAs)

the organizational structure and creating and reallocating certain new verticals for

Revived system to hold Business Development committee meetings for greater business

Before discussing business strategies in detail, let me touch upon some of the

1. Global Economic Scenario:

It is good to observe that some positive developments in the recent times have marked

the Global E

economies, output gaps generally remain large and, given the risks, the monetary policy

Courage is the ladder on which all the other virtues mount Clare Booth Luce


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I

advanced economies will lift growth, although domestic weaknesses remain a matter of

2. Indian Economy

manufacturing and boost up demand for consumer durables that will have a direct impact

Table - I

Indian Economy- Sectoral breakup

(Year on Year Growth in %)

Agriculture

Industry Services

Total GDP

(P: Projections by RBI, E: Expected as per RBI's 26 thround of the Survey of Professional Forecasters)

All our dreams can come true, if we have the courage to pursue them. Walt Disney


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3. Monetary and Banking Developments

Table - II

Key Trends in Banking Industry

(Year on Year Growth in %)

Parameters

Aggregate Deposit

Demand Deposit

Time Deposit

4. Performance of the Bank during 2013-14

Opportunities dont happen, you create them. Chris Grosser


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Table III

Performance Indicators Estimates for FY14

(Rs. in Crores)

Parameters (Estimated)

Absolute Rise

Total Business 650,000

Total Deposits 375,000

27,000

Savings Deposits 93,000

Time Deposits 255,000

32

Gross Advances 275,000

Priority Sector 93,450 Agriculture 29,000 1*

56,000

Corporate Motto for the year 2014-15

BACK TO BASICSto make our foundation much

Business Growth, A S Innovations,Customer Satisfaction

and S

Everybody thinks of changing the world: but no one thinks of changing himself Leo Tolstoy


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have given a boost to the physical infrastructure and alternate delivery channels which

to reinforce on taking forward the central theme of working on Retail leaning, Asset

quality, Capacity Building and Earnings (RACE), that speaks of Banks continued

I am

sure that by adopting these key drivers in our business growth, we shall derive the right

RACE Ahead

(Retail leaning - Asset Quality - Capacity Building - Earnings)

Retail Leaning:

are undergoing a sea change, the retail leaning approach will open up more scope for

Therefore, the Bank will continue its strategic focus on offering Value Added Products and

Success is the sum of small efforts, repeated day-in and day-out. Robert Collier


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relationships by improving product holdings of customers resulting in enhancement

Increasing the collaboration between branches and loan factories for lead generation

Increased thrust on convenience banking by moving customers to Alternate Delivery

Asset Quality Improvement:

A

All progress takes place outside the comfort zone. Michael John Bobak


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Capacity Building:

same time using it for incremental growth of business is crucial to get better return on

Bank has provided note counting machines to almost all the branches and strengthened

This was further followed by introduction of a number of new innovative products in

orporate and Zonal level for seeking the full involvement of employee

Happiness lies in the job of achievement and thrill of creative effort. Franklin D. Roosvelt


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organizations in the development of business as we believe in partnership with key stake

Efforts are on to make sure that each of these forum remains active, creative and

of appropriate interest rates and negotiating ability of our team with a simultaneous

Great things are not done by impulse, but by a Series of small things brought together Vincent Van Gogh


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Table -IV

Trends in comparative annual Growth BOB Vs ASCBs

Bank of Baroda

Deposits Advances Deposits Advances Deposits Advances

Key Performance Parameters

The world stands aside for the person who knows where he or she is going John Crystal


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Table - V

Key Performance Indicators - Quantitative Targets FY15

(Amount Rs in crore)Parameters FY 12 FY 13 Estimate

FY 14TargetsFY 15

Amt %

Total Business

Total Deposits

Advances

Agriculture

Direct Agriculture

Retail Advances

Slippages to be restricted to standardadvances

Upgradation

Believe you can and youre halfway there. Theodore Roosevelt


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Strategies:

1. Resource Mobilization:

competencies, the Bank has been showing a good performance on resource mobilization

into it to increase networking with potential customers and to publicize our customer

The recently introduced menu option Win back Customer is capable of identifying

both type of reports and can be in touch with these customers to take the relationship

2. Resource Deployment:

To accomplish great things, we must not only act, but also dream, not only plan,but also believe

Anatole France


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2.1 Large Corporate:

2.2 MSME Advances:

economic and social development of the country, more often acting as a nursery of

Management is doing things right; Leadership is doing the right things. Peter Drucker


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2.3 Retail Credit:

The Retail Business will continue to be the thrust area for our Bank for achieving business

portfolio on

whether the ladder is leaning against the right wall.

Stephen Covey


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Target reasonable number of such campaigns at district level during the year

2.4 Agricultural Lending:

Never mind what others didnt do, its what you do that counts. Napoleon Hill


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the comfort to operate the alternate delivery channels to give them a feel of how the

Agricultural

R

Agriculture

warehousing capacity available in India is in abundance and with the thrust on food

The more we do, the more we can do; the more busy we are, the more leisure wehave.

William Hazlitt


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3. Financial inclusion:

4. NPA Management:

be our endeavor to detect such incipient signs and take appropriate measures at initial

declared

Start by doing whats necessary, then whats possible;and suddenly you are doing the impossible.

Saint Francis of Assisi


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They should take up the issue with the borrowers for rectifying the

During the recent past, initiatives taken in loan recovery need to be understood from the

in India, regulatory guidelines on purchase and sale of NPAs, role of Asset Reconstruction

signals of loan default and incipient sickness in an account at an early stage to initiate

5. Non-Interest Income

We are not what we know but what we are willing to learn. Mary Catherine Bateson


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ommunication based Technology

6. Leveraging Government Business

To tap the huge opportunity for generating fee based income through Government

Business, Bank has already set up a separate vertical at New Delhi to keep close liaisonwith various G

manual intervention in collection, reporting and settlement of funds the branches can

Table VI

Parameters New NPS lite Swavalamban accounts New Pensioner Accounts

New Business Relationship

No of PSUs to be targeted States

States

In addition to the above, Bank is also targeting to canvass accounts from new Government

You bring out the best in yourself by looking for the best in others. Gene Bedley


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7. Wealth Management Services

a combo pack of life and nonlife insurance services under the umbrella of our wealth

our fee income to the desirable level and nurture marketing talent to achieve our

8. Domestic Branch Expansion

th States reaching network

S

Zones should concentrate on opening of branches at centers where

our market share of branches is less, especially in the S

Victory belongs to the most persevering. Napoleon Bonaparte


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10-15 e-lobbies

also ensure opening of atleast FIVEAdarsh Grameen Branch

rural centers, which will improve the image of the Bank at local Government level and

9. Human Resource Management:

Various other development programmes are also planned for large scale capacity building

If your actions inspire others to dream more, learn more, do more andbecome more, you are a leader.

John Quincy Adams


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In order to enhance performance and motivation in general among employees, a very

and inclusive, covering all categories of staff at different levels and in all types of units

performance levels substantially but also engage in a healthy competition with each

10. IT Implementation:

various initiatives to provide value added services to its customers in terms of bunch

various initiatives under alternative delivery channels like Immediate Payment Services,

In order to leverage technology, line management should make full use of the new menus,

11. Customer Service

Banking being a service industry needs to institutionalize higher standards of service

Discovery consists of seeing what everybody has seen and thinking whatnobody has thought.

Albert Szentgyorgyi


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will make our Bank an organization known among customers and general public for its

In this regard I would also like to mention that the annual survey conducted by Banking

and every Barodian has to improve responsiveness to customer needs and ensure that an

12. Corporate Governance:

Bank continues to follow the best practices in corporate governance and implements

Bank has

organized every month in which customers from various cross sections of the society are

Good Management consists in showing average people how to do the work ofsuperior people.

John D Rockfeller


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along with a format for lodging complaint to spread awareness among the customers

13. Risk Based Supervision

Recently introduced Risk Based Supervision (RBS) framework of RBI for commercial

transition have been technology, data integrity enabled by strong processes, a matured

14. Capital Optimization

The optimum allocation of capital against the risks assumed by the Bank has become

not only improve our reputation before the Regulator but also enable us to make strategic

Theres no resting place for an enterprise in a competitive economy. Alfred P. Sloan


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15. Preparation for Advanced Approaches under Basel rules

Bank is in the process of adopting international best practices on risk management which

A. Credit Risk:

B. Operational Risk:

C. Market Risk:

Good Management is the art of making problems so interesting and their solutionsso constructive that every one wants to get to work and deal with them.

Paul Hawken


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In addition, while implementing these strategies, I would call upon each unit to keep in

If what we are now has been the result of our past actions, it certainly followsthat whatever we wish to be in future can be produced by our present actions.

Swami Vivekananda


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Place: Mumbai S.S. MundraDate: 19thMarch, 2014 Chairman and Managing Director


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ANNUAL BUSINESS PLAN: 2014-15

(Rs in crore)

Branches

Total Business

Total Deposits

Savings

Time

Total Advances

Priority Sector

Agriculture

Direct Agriculture

Retail Advances

Total Income

Upgradation


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A V : { mr d f 15 H o { E h mam E O | >m "" Q y> ~ o{ g '' H o A m e H o A mY ma n a h m{ b g w > m H m

A {Y H m^ CR >m o { H m o A J b o aU s A moa "ao ' (RACE) aZ o m mo m m{ o.

h mar mamo mar mo | { a aV m Z m aI Z o o w V m{ V aV m { mo [aQ >o mo w V m, mpV m| s

J w d mm, j V m { m V W m A m d { (RACE)H o w ` mo o` H o g | , O mo ~ mam ~ o V a J w d mm V W m

b m^ V m H o { E ` d g m { l U H mo { a a n m [aV H aV o ah Z o H m r h , g K Z H ma m H aZ r M m{ E .

w o yam { m { mar ` m g m{ H { | Z w ` m H m| mo m{ b a n Z o { N > o f o

A m e m ` o mW h r maV ` { R >m o n Z o { {Y m| o m o { H m o. V m m r { mr

d f 20 15 o { E mam A m e m mo m

RACE AHEADaog AhoS>(Retail Leaning - Asset Quality - Capacity Building - Earnings)

[aQ>obmowIVm :

M y{ q [a ` , m H m| s mW { H m W m Z g mp ` H s { l | J ma a ` m H [ad V mo ah m

h , g [a ` | [aQ >o mo w { > mo n Z m o o [aQ >o o | > o o m H s m ` H mA m| mo o V a

T > g o n y am H aZ o h o w{ { Y V m y g o mA m| H s Z B g m Z m n m h m| r. [aQ >o ~ q j o H o 30 % H s X a g o

~ > o s m Z m o mao{ E m s A d g a Cn b Y m| o.

A V : ~ Z ` oJ m H m| H mo O mo > o E d C | A n Z o g mW ~ Z m aI Z o H o { E y` d {Y g o m E d C m m

H aZ o n a { e o ` m X o m ah o m. ~ >o h A d g am| H m A {Y H b m^ CR > m o H o { E J m H g Z H m

H m s h ah o m. h mao n m 20 -35 H o A m w d J H o A {Y H ~ M V g m Z m d m o [aQ >o J m H h . B g

` w m m H o | > s { { Y V m y aV m| o { E | ` m m Z w y m m d Cn ^ mo m C m ma

H aZ o m| o. { j m, d m ` , r m d m Q >m b {d mr C m mao [aQ >o o | > s { | n Z m

` mo X m a H o .

B g { > mo o h V m m, [aQ >o m {Y m, [aQ >o d E g E B a { e o b { ` m m m mar

ah o m. mW r >o d ` m m}ao > m| a r mo mar ah o m. [aQ >o mpV / o V m C m m| o |

g bVm {V{XZ {H E OmZo dmbo N>moQ>o-N>moQ>o`mgm| H m OmoS> h. am~Q> H mbr`a


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H w > h n y m r{ ` m { Z m w ma m| r :

m } q > , ~ o V a Z o > { , J m H m| H s ~ o V a mo > Q > Y m[aV m H o A mY ma n a J m H m| g o J h ao O w >m H s

g H { mo A ma >m m d CZ H o mW m| mo w > Z m m.

Q > amC > >m mo aV o [aQ >o / g E B / { p Q m| s [aM m Z j V m >m m.

b r > Z ao Z d m H m| s o V a o m o w m mA m| d p Q m| o r h ` mo mo >m m.

A { [a m H o | > H n Z r h >m o o { E B w r m mA m| / m r/ Q >r / rA mo g / r r

g H q X w m| m A {Y H m^ CR >m m.

A b H m m ` /j or H m m ` m| mam d { H s { J amZ r | m mo{ H s H m ~ o V a B V o m - S > ~ mo >

Z .

J m H m| mo pn H { >{ d ar b m| s A moa mo > o w{ Y m Z H q a { e o b .

AmpV JwUdmm ~YZ :

~ s J m^ V m d d m ` mo m Z o s { > o mpV w d mm m s h n y . mpV w d mm

H mo^ m{ V aZ o m m ~ g o h n y maH Z { m . s mpV ` m w ` o m| o

| h mo r h A ma CZ H o O mop ^ ma H o A Z w ma n y r n a A {Y H H o { > > O mop ah V m h . A mpV J w d mm

| g w ma H o { E o I m o H s Cg H o F g { V aU H s V mar g o h r m mo{ H s H s X X g o R >mo { J am r

H s O m r M m{ E . o I m o H s, M m o d h { Z r r am{ H m h mo e m m V a n a R >mo { J am r H s O m r

M m{ E . y ar o m H m| o h n y { d aU m| s m { { b o y>g o m ` o { d m o

H s m r m{ E .

j or m m ` o V a a, pb n o { | Z >mH mo ( g n r >r ) s h { o mar mo r { h m mA m|

H o o m o | mo ah r {V s m ao . o o mar mo g y r { m | { h ^ m{ V m

H aZ r W m h b o { Z o r m o m o m- mo m aI Z m .

Amam H s pW{V go~mha {ZH bZo na hr J{V H s g ^mdZm nXm hmoVr h. m`H b OmZ ~mo~H


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36

j om| mam E o r m r A n Z m O m r M m{ E { g H o V h V CZ e m mA m| H s A mpV J w d mm n a { e o { J am r

aI r O m , O h m E Z n r A Z w m ` m m h . C | g m{ V E Z n r I m m| H s r R >mo { J am r H aZ r M m{ E

E d d g y r { m H mo [aV ~ Z m m M m{ E . d g y r n a { e o g o H | { V b mo A X m V E d d g y r H m| H m A m mo Z H aZ m M m{ E . { {Y E d J a { {Y A mY m[aV A { I m m| H o g | m{ H { J am r [an mo >m]

( E A ma) o m m| s pW { s { J am r aZ o d Z n r s {m mo amo o | X X { b o r.

jVm {ZmU :

h mao o m m a | ma { e o H a { mr f 14 o mam m ` H mQ > M a m { m a { ` m ,

{ g H m A {Y H b m^ CR >m o h B g { m H mo A m o r ~ >m m M m{ E . m y m B mQ > M a H o g mW j V m

{ m H m H m E H { a a M b Z o m r { m h n a B g H m ` d g m ~ >momar E d h mao { d o m| n a ~ o V a{ b m^ s { > oA {Y H V o m { m m m m s h n y .

{ mr f 14 o mam o >r ` m | m m mo r d m 20 14 H m mA m| s ` m 50 0 0

V H h Z o s yar m Z m . g H o { [a J ^ J 350 0 E Q >r , 30 B - m r, 26 41 y g ~ r,

{ > m{Y V ` { m| o { E 20 0 Q >r , 270 y o d M m{ V o { m w q >a W m m Z m

` w m mA m| | 8 mo > g o >a e r | J m B . g H o b m m o ^ r m mA m| | mo > mCq >

e r |b J m h V W m X o | E g E B b E /A maE b E H s g aM Z m H mo g w > { m h . H { F H s m oq J

| J Z o m o ` mo aZ o o { E m b Q > A mY ma a 3 { p Q > m mo r B .

B g r | E g E B d [aQ >o o o | Z o E C m ma { E . C m m| o y` | r Z o

Cn ` w X b m { m{ o { m| o { E m Z H | . m r C { V m mo >m m o o s { > o

H H b ~ m| H mo g e H aZ o H s A m ` H m h . w mA m|H mo b m^ X m H amo J ma | b J m o H s { > g o ~ >m m

d amo J ma { H m g W m H s g o mA m| H m A {Y H B V o m { m O m m M m{ E . B g r V ah h mao mam A n Z o

A Z o J r { b m| | { ` w { mr am e m m d ` m g m{ H { { {Y o h ` mo o{ mr mj aV m d

n am e | m| | { mr mj aV m A {^ ` m m| mo >m m m{ E .

` d g m { H m s { e m | mar R > m| s y V m o { E o wam o m m ` d g m { H m

g { { s > m| mo m m}ao > d b V a a w O u{ V { m . mam ` { H m s g amo H mm

| ~ H s m r mar w{ { V aZ m .

CnbpYm|Ho AmZX VWm aMZmH mgm|Ho amomM | hr dmV{dH Iwer {Z{hV hmoVr h. | H {bZ S>r. OdoQ>


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{ e o w m| V W m A J b o2-3 d f m] | ~ H o { E H w > { O ` r H m r{ m V ma H aZ o H o g | { X o H

> o X ` m| m m e m aZ o o w { X o H > s { e o m r{ > | m mo{ V s B . h Z

M M m V W m { M ma-{ { ` H o Cn am ` m H A m{W n [a ` g o O w >o H maH m|, ~ H o E d A J r ~ m| H oH m { n m Z , s n Z r d m > Z m{ { g mo ` m | aI V o { X o H > o { { > m r{ ` m ma

H s. { Y m[aV m r{ mo m y aZ o o { E {Y V m w mam m mo Z m ma s B .

E o o m { m ah o { o ^ r { d d mo o r Z o ah | d mo o m ` o m o Z m

aI Z o s { e m | n Z o w m |. { ` o { E s V m { m s { > o Z ^ r m n Z m h

h . o r r{ n aH h n y h b | A m o^ r mar ah | r.

Am` - bm^XVm :

A m | ^ m r o w ma m rY m mpV w d mm, h r- y` Z , Cn ` w ` m a Z W m mar

Q >r H s mo ^ m H aZ o H s H w b V m g o h . g mW h r J a ` m A m H mo ~ >m m r h n y h . ` m X am|H o

{ a a { n Y u mo o m o o maU m > b m Z | >momar o { E o ar m W m moa wH m mo >m m

H m s h n y h mo J ` m h . ` m A m V W m e wH A m | h mao ~ mam X O H s J B d { A J r ~ m| H s

V w Z m | . { g a 13 | s w m s w Z m | a ` m m y V .2% ah m. a ` m

A m o w ` mo b g r/ r r r Z , g aH mar ` d g m , mao g o X o m| o m^ , { o U a o m ^ ma

E d A m p H ^ ma h mo o h . B g H o A { [a n r > y mo I m o | d g y r E d { d o m| H s { H s n a h mo o d m o b m^ ^ r g | mo X m aV o .

o m m mo m >m o s { > o { mo m ar . r g , g E B d { S > man moao > m mA m|

g o A { [a ` mo X m { b Z m A m ` H h . C | ~ H s A m H mo ~ >m o h o w J a { {Y A mY m[aV ` d g m H o

A {Y H g o A {Y H g U | g H mam H ^ y { H m H m { d m H aZ m M m{ E . o A b , j o E d n [aM m Z

B H m mo m{ H mY ma a w ` m m mo aH ama aI Z o a ` m o m m{ E . g o N >o m m Z w m ,

~ o V a O mop g m mo{ V A m E d { a a A N >r A mpV J w d mm ~ Z m aI Z o H o A mY ma n a h m{ b { m O m

g H m . g H o { E o V a a J m ma { J am r { m o s m ` H m . m y ` o V a

J d Z ] A m m| H o m H o |A n Z o A Y maH m| H o { V H o { E h n y A Z w m m| O o { A maA mo E ,

g rA maE A ma, A maA mo m{ mo o V a aZ m .

H moB ^r hmZ H m EH ~ma | gn Zht hmoVm ~pH h ~hV gmaoN>moQ>o-N>moQ>o mgm|H m g{OV n hmoVm h. {dZog|Q> dZ JmoK


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38

{ mr d f 15 H s ` m g m{ H A n o mA m| H s M M m H aZ o H o n y m{Y H A Z w y { V d m{ p` H ~ m| H s

V w Z m | h mao ~ H s ` d g m d { E d K ao w ` d g m | h mar ~ m ma { g o mar H s V w Z m H pW {

aI Z m m m.gmaUr IV

VwbZmH dm{fH d{ g~Yr d{m`m : ~H Ed EEggr~r

EEggr~r ~H Am ~S>mXm ~mOma Ae (%)df Xa dfd{ (%)

df Om A{J Om A{J Om A{J{ d '0 9 19 .9 9 17.9 5 18 .0 7 26 .45 3.6 3 3.8 3{ d '10 17.13 16 .9 8 22.45 19 .8 6 3.79 3.9 2

{ d '11 16 .0 1 21.55 23.6 3 24.26 4.0 4 4.0 1{ d '12 17.44 19 .45 26 .13 27.44 4.34 4.28{ d '13 14.36 14.12 14.70 8 .23 4.35 3.9 921 ad ar 20 14 15.8 0 14.30 20 .53 17.36 4.44 4.0 7

( mo : E g g r r A m >o ^ m[a~ o m m{ H mp ` H s A m >m| o W m m o A m >o o e Z 42(2) { d aU r o)

w` H m {ZnmXZ mZXS>

h mao ~ H o n y H o H m { n m Z , ~ m ar H maH m| V W m A ^ r V H { { { J E g w > m m H mo ` mZ |

aI V o { m f 15 s ` m g m{ H A n o mA m| m r o C o a ah o .

X{Zm Cg pV Ho amVm| H mo eV H aVr h {Ogo h nVm h {H dh H hm Om ahm/ahr h . OmZ {HQ>b


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gmaUr V

w` H m {ZnmXZ gHo VH - {dm df 15 Ho mmH b`

(am{e H amoS . |)mZXS> {dm df 12 {dm df 13 {dm df 14

Ho AZwmZb`

{dm df 15b`

{dm df 15am{e %

H w ` d g m 48 558 9 570 26 3 6 50 0 0 0 7750 0 0 19H w m 28 0 135 34170 6 3750 0 0 4450 0 0 19H m m m 9 29 48 10 38 0 9 120 0 0 0 1450 0 0 21H m m A (% ) 33 30 32 33 --A { 20 5454 228 557 2750 0 0 330 0 0 0 20

H { 29 0 36 28 739 29 0 0 0 3510 0 21 j { 21423 226 45 2320 0 28 10 0 21 j { m A (% ) 74 79 8 0 8 0 --E E g E B A { 34513 46 722 56 0 0 0 6 9 8 0 0 25I w am A { 356 58 38 229 48 40 0 6 20 0 0 28A m X >g H Z n r (% ) 1.8 9 2.8 7 3.8 2 3.75 --pb n o a { ` U m H A { m|

H m 1%

Z H g y r 537 6 0 9 1225* 150 0 * 22A n J o o> Z 324 317 8 0 0 120 0 50n r. > ` y.A mo m m| | g y r 26 8 345 270 6 0 0 122E Q >r s ` m 20 12 26 30 6 30 0 8 0 0 0 27n r. mo. g e r 429 6 548 5 10 0 0 0 20 0 0 0 10 0B - m r 50 150 ---

( mo : A m [aH o >m o /A m Z )

* Bg| {dmr df 14 | @ . 400 H amoS> d {dmr df 2015 | 500 H amoS> H s EZ.nr.E. H s {~Hs go hmoZodmbrg m{dV dgybr em{b h.

{ mr f 15 o w ` m g m{ H m e "ao h o >' d w { n m Z y H m mo s w{ V ` m ` m o mX

[aU m m| s m{ o w m r{ mo^ r { V ma o V m m m m.

H m H aZo H m ^amogm nXm hmoZo Ho gmW hr AmYm H m` nyam hmo OmVm h. {WAmoS>moa OdoQ>


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H m Zr{V :

1. ggmYZ gJhU :

h mao m ` d g m m ma s { > o q C mo | ~ g o >o am >r H o n | H { { > W mh . e m mA m| H o A p b ^ maV r Z o > H H o g mW h mao n m g wW m{ V m m{ H s o m , C > ~ m > B o ,

{ X o r e m mA m| H m g w > Z o > H E d J m H mo w E d { g o r (responsive) Z T >m m r h . B Z H m oa

j V mA m|H m Cn ` mo H aV o h ~ Z o O m g mY Z g U | A N >m H m { n m Z { m h . q w h A n Z r

j V mA m| o Z w n g | ma { a H o . g { m mo o V a m r{ ma e m m| o m o

~ >m o H s A m ` H m h . h mar ~ M V ~ O mam{ ` m| |6 .8 0 % H s d { [aH m > H s J B E d M m y I m m

O m am{ ` m| | 2.9 7% H s d { X O H s J B (9 m H o X mam ) O mo h mar A m mA m| g o A {Y H H h .

O h m H w am m {Y m am{ ` m| m , g |23.6 0 % s { O . m - >r mY m[aV aM Z mH s g h m V m g o h mam ~ d V m H m m ` d g m H o A m >m| H m Cn ` mo H aV o h h mao I mo h ` d g m

H mo d m g b m o d g m{ V ` d g m H s n h M m H s pW { | h . A m o ~ T > o h h | g r. g .A mo E d g og

A mCQ >{ > m r >m m o Q > m mA m| o h ` mo o m } q > m m| m o >m o, m{ V m H m| o o > H |

d { aZ o, mar m H g r m mo Z mA m| mo m[aV aZ o s m H m . mam w ` { j U m m `

d Q >u , m > Q > g r O m H mar X o o H o { E Z E B Z n w > Cn b Y H am ah m h O mo J m H m| H o g mW d m m m |

Cn ` mo s m H r .

h m r | ma { E "{dZ ~H H Q>a' o w { H n o o o m m m m| s h M m aZ o | j h O h m J m H mam aI m O m ah m A m V e o { N > o E H d f H o A m V e o g o 25% A {Y H / h . e m m

B g d mo o r o w m m^ CR >m a m m ` d g m | J m ma { a H r . mao r. r. g o > m |

B g ah s w d mm aH m H mar m aZ o s g r V m . | m oq J d ` d g m { o o

| d mo o d m H mar m aZ o o w g H o mo o mao | mo Z o s A m ` H m .

2. ggmYZ A{^{Z`moOZ

{ {^ j om| A ma F r K Q > m| H o g w { V F n mo > mo{ mo H m { m mW { H g amo ma h . h mao ~ H s

A m [aH r{ | { {^ C mo m| o {Y V {Y H mam| o { m m| d r{ ` m| m U { m ` m .

g e F n mo > mo{ ` m| H o { m H m W M aU g mY Z m| H m Cn ` w b m^ X m H { { ` mo Z h mo m h . h mar

g r g /{ S >- m m}ao > e m mA m|, E g E B E d [aQ >o b mo o p Q m| H mo M m{ E { { U b o o H s { m |

V o r m A ma { n Y m H >r Q >r ( > A amC > >m ) H h o.

hmZ H mm]H mo H aZo Ho {bE h| Z Ho db H H aZo H s, ~pH gnZo XoIZoH s ^r O aV h, Z Ho db moOZm~ZmZoH s ~pH Cg na ^amogm ^r aIZm AmdH h.

AZmVmobo mg


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F H s J w d mm | g w ma E d Q >r Q >r g o ~ o V a V m o h o w m mo{ H s E d ~ m ma A m y Z m (intelligence)H m

` m H mo { m m . [aQ >o / E g E B ` d g m s { o w o b E H m m| r h t { V w m y m

F H m m| o { E r o ^ m e r m V | r s . mY Z m| o > ma { { ` mo Z s mo >oV ma a mo Z m Z m m H r d | m m m}ao >, [aQ >o , E g E B d { mo m { > { m

O m H m . m mA m| o { E ar { o mam { E { n Y m H y` { Y maU m m^ CR >m

E d w{ { V a|{ ` d g m s { H { mam y` Z | { E X b m m m{ > am m m H o .

2.1 bmO H mnm}aoQ> :

h |X r m {Y n [a` mo Z m { m mo U E d A n m {Y H m r n y r { m n mo U H o ~ r g w Z ~ Z m m h m o m E d

F mo > mo{ ` mo mo >m o ` mpV o V m w Z mo r ` m | aI Z m mo m. m m{ r m {Y [a` mo Z m

{ m mo U W m r d C { m aV m q w h ab V m d mop o J mo m . y arA moa m {Y m r y r m { m mo U d ` [a m Z e r mo m d g a { m mo m

h . mo > mo{ ` mo a o V a mop m mo{ V m^ o w | { { ` mo Z mo w ` d pW V aZ o s m ` H m .

h Z o A Z o Z E m > Q > A ma { h { Z | { { > Q >m -A n g w{ Y m r e m{ b h O mo I m o | Q > A mo a H o

A mY ma a V m m m}ao > H m m| o { E . sS > V a a g H m ` m H Cn ` mo { m m m m{ E .

h mao H w X o r A { m| | 50 % g o A {Y H b m H m m}ao > A { h mo o h . mo o Q > m Z | { > r Z H mo ~ m

H o { Q > m } > o mW a o o o mao s Z w r {Y H o o a mo B ma [a` mo Z m y ` m

H m > amC > >m ( >r Q >r) r mo ` m . g r ma m m m}ao > m ao y { X o r mamo ma { > r Zh | ~ >o { ` m mo w F H m m| H o g mW b m H m m}ao > ~ q ` d g m h o w ~ o V a g h ` mo W m{ V H a o |

g W Z m m . { mr f 20 13 |{ S > m m}ao > Q > o R > o | g o | ` d g m >m o | V m

{ b r E d ~ H s { >m ^ r ~ >r. h | F H o ` d g m b ` m| H mo m H aZ o h o w B g ma H o m m| H mo

A m o >m o s A m ` H m .

2.2 EEgEB A{J :

g y , K w d ` C mo ( E g E B ) m n o o s W ` d W m d m m{ H { H m | h n y

^ y{ H m m { d m aV o . H ah o h C { V m s g ar o n | m aV r . o C mo n Z o^ m r,

X j , b M r o E d Z d mo o r C { V m ^ m Z m H o g mW A W ` d m H o { H m | w ` ^ y { H m H m { d m H aV o

h . maV H o 45% C m Z H s m{ E d H w { ` m H m 40 % E E g E B j o g o m h mo m h . B g j o H s

X o ^ a | r 31 { { ` Z B H m ` m| | b J ^ J 73 { { ` Z b mo m| H mo amo J ma { b Z oH m A Z w m h . h mao

~YZ H m Vmn MrOm| H moR>rH H aZo go h O~{H ZoVd go Ame R>rH MrOm|H mo H aZo go h. nrQ>a SmH a


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42

~ Z o B g j o |16 .42% H s d m Q >r >r d { X O H s h . { g | g mo{Y V d J u aU ^ r e m{ b h . B g j o

| y w m h r { o V a a { V aU s { H { (incremental rise) a ` m aI m m .

E E g E B F ` d g m H mo A ma ~ >m o H o { E h Z o d V m C m m| H o A b m m E E g E B H o o g b moE d H o o g H mS > H s e w A m H s h . A b m| H mo M m{ E { e m m w m| mam ~ >m J B S >r b n r (DLP) H o

mo H s g rj m g m m{ H A mY ma n a H a| A ma C { ` m| H mo A m { H aZ oH s aU Z r{ A n Z m . E E g E B

b mo p Q m| H mo r Q >r Q >r (Turn Around Time) | g w ma H a e m{ m r ~ Z m m O m . E E g E B F H mo

~ >m o h o w e m mA m| H m o B Z H o g mW g h ` mo E d V m o ~ >m m M m{ E . E E g E B g y H s n h M m H a J h Z

m } q > H s O m r M m{ E . F n mo > mo{ ` m| H s J w d mm H mo ~ >m o H o { E E g E B F A m o Z n m| H s

Q oq , mo oq J h o w m mo{ H s, b o (LAPS)n { H m Cn ` mo E d { M b Z (Deviation)V m m| H m [aV

{ n Q >m A m ` H .

2.3 [aQ>ob F U :

h mao ~ h o w{ mr d f 20 15 | ` d g m d { h m{ b H aZ o H o { E [aQ >o ` d g m h n y ~ Z m ah o m.

h mao [aQ >o mo > | m w ` C m W m m m , m >mo , { j m , >o d mo > o

F e m{ b h { Z H s H w [aQ >o F m| | 8 0 % { g o mar h A ma A C m ` m r b m mo > (LABOD)/

A mo >r rA mo >r (16 .75% ) >m m g b mo d { { Y C m o- >m Q > , aH mar { ^ y{ ` m|

H o n o >o A m{ H m [aQ >o | mo X m 3.25% . Z g ^ r Q > m| | 31.12.20 13 mo g m Z m m

| { 11.8 8 % O s B .

A m o r m m ma Cg H o m m >mo C m | { d m{Y H Z r ah o r, V E d mar m mA m| o

{ E m ` H { a h ar om| a r ` m |{ V aV o g H m { V ma a|. m r /A h ar om| |

B g H s {Y H m Z mA m| mo o V o g g o m^ CR >m o s m ` H m . [aQ >o m H m| s m ` H mA m|

H mo g P V o h e m mA m| H s m } q > Q >r H mo A {Y H A m m H h mo o V W m ` d g m h m{ b H aZ o H o { E

J w d mm y o m m aZ o s A m H m .

{d{e> H m Zr{V {ZZmZwgma hmogH Vr h :

J m r /A h ar o s o m m { m o H m m d r ao . { o

e m m m V mY ma a . 10 m m d r aV r mo g mo > mo{ ` mo mo {Y H O ~ y r

{ b o r.

B g r ma o o mo/ h a m m mo { m m m s 5 r > m a [aQ >o mo Q r mo

^ o Z m h . { H g o H 2 E o r b r F | n [ad { h mo r h , V mo A V B g g o B g n mo > mo{ ` m| |

g bVm H s grT>r MT>Zo | {ZnwUVm H mo~ YZ H hVoh , O~{H ZoVd h {ZYm[aV H aVm h {H dh grT>r ghr{Xdma na {Q>H s h m Zht.

Q>o{ Z H mdo


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{ a a { mo r.

O mo o mo / h ar e m m A maE b E mam H a Z h t h , C | A n Z o F A {Y H mam| H m mo A d ` H aZ m

M m{ E A ma g m m{ H A mY ma n a F H s d r { d ` H s g rj m H o A Y r H aZ m M m{ E . E H { { VA d {Y o m g g o H O ~ y mo > mo{ ` mo { { mo m J m.

A { mr W m m| o m m m| mo >o mo a aZ o a r ` m | { V { m m . . r. g [an mo >,

S >m Z m{ H m{ Q >[a [an mo m mo aV o o> >m m q J o mam {Y H r { V s mE . { Z

S >r am|, { ` m|/{ S > o mW mao s >m -A n ` d W m , CZ g o h Z H aI m m .

{ b m V a a m mo{ V m >mo n mo /A m m /m Q >u e Z u, m m Q > og | o | og { mH

aI H a mar mo Z mA m| mo { aV o h ^ m{ V m s m W m C | mo { Z m m m .

o f W m r { { {Y ` m| o m o W m{ V aV o ` m ` m | { b m V a o o o {^ ` m m|

(campaign)H mo b ` ~ Z m m O m . B Z | A m >mo d A Z w r H s y ar/ { V aU mo^ r { { m

O m .

{ j m ya aZ o o w | { { > r{ ` [a m o m|/ Z W m m| | { an d m n o Q >m J m m

M m{ E , n m > a r m| s d r { o m m{ E .

2.4 H {f F U :

h mar 16 0 7 J m r e m mA m| H s g e Cn pW { H o g mW h J m r E d H { ~ q | A n Z m W m ~ Z m o | j . { g a, 20 13 mo m d {Y | m j { { . Z . r. r (adjusted net bank

credit) m .28 % ah m ~ { mW { H m m o { . Z . r. r m 37.5% ah m. { V { X } m| o

A Z w ma g m{ {Y H b ` m|H mo m Z H a n m o H o H maU ~ H mo A ma.A m . >r. . |A X m X o m h mo m O h m

g aH ma mam { ` m O m o m m ` m H o b 5% h A ma h ~ H s b m^ V m E d { >m H mo { H y n g o

^ m{ V r aV m . m H mo b m o m m m { o b ` m| mo m aZ o { V w Cg o ` m m{

mam A m{Y ` s A moa o m o o { E h r { e m | ra m a|.

{ mr g mj aV m m H aZ o h o w ~ H mo E b g r r - g maW r H m Cn ` mo H aZ m M m{ E E d O aV b mo m|

H mo ~ q { Q > g o { mr g o m Cn b Y H am o h o w H o { > > H mC q J g o m m H aZ r M m{ E V W m F

^ ma H o H maU { mr g > g o J V b mo m| H mon am e u g o m r m H aZ m M m{ E . E . b . r. r H mo J m m|

| E Q >r g o >-A n H mo A m ao > H aZ oh o w km m H aZ m M m{ E . C | d pn H { > o ar M b m| H mo A m ao >

BgH s H r nadmh Z H a|{H Xgao m Zht H aVo h . Amn OmoH aVo h dhr mZo aIVm h . Zonmo{bZ {hb


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H aZ o | g w{ Y m h mo r M m{ E V m{ C |n V m M b o { {g Q > { V ah H m H aV m h . h Z o J m r E d H {

j o a ` m | { V aZ o o w { mr f 20 14 | m b Q > A mY ma a 3 { o p Q m r mo r .

H { { m| a o e a { M ma aV o , amo { { m| a { a o {Y H ` m { E m o s

A m ` H m . g mao | { Z { p V q X w m| a [aV ma m { m o s A m ` H m .

h mao ~ H mo A m { > g ^ r g o m j o J m m| | { e o A {^ ` m g m{ V H aZ m O o a~ r E d { d o F

A {^ ` m .

X o ^ a | H { A {Y H m[a` m| H s V m r mam m g m{ H g m Z m d m r e m mA m| H mo g w > H aZ m V m{

g ` ~ n o { J V { V aU mo { { b H o.

j o { e o s mo Z mA m| mo{ e o [a` m V o m W m y aZ m.

m mam| o m | ` m H ma a { V aU o w o o o m ` V m m o 3 m m| mo {j V aZ m.

l o > { mo > mo{ ` m| mo { H { V aZ o o w m m w / { {Y H mar J r { b m >r o h ` mo o

J { { {Y ` m| mo{ V ma | .

H {f ` d g m mo >m o o w { O Z o o { { Q >o >a/{ m b ~ s o mA m| m Cn ` mo { m m

Q >moao Q M a W m m r mo m , m - >o [a mo Z mA m| o r / mo r m o , b moar M a

n [a` mo Z mA m|A m{ o w s mm >m o a { e o ` m { ` m m .

H H m| mo o o o mo Z o { ` d g m | { aI Z o m o m m}ao > o >m -A n { m m .

d o a h mCg ag r m| H o n o >o ~ >o n m o n a { m n mo U { m O m . h m h r H s [an mo > X e m r h { ^ maV | g m { H , g h H mar E d { O r j o |d o ah mCq J H s C b Y j V m H m s h V W m w > mo oq J C mo

H o h mo o V o g V m | { mo ah r . g >r V m o Z o a mCg m| | Q >moa {

O m o m o { C m m| o o >o o o m m V mo m.

h {OVZm A{YH H m H aVoh hmar H mjVm CVZr hr ~T>Vr OmVr h; dgohr h {OVZm mXm VhmoVoh , CVZm hr AmZX H m g {bVm h.

{d{b hO{bQ>


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3. {dmr` gmdoeZ :

h m h r H o d f m] | { mr g m o Z H s { m H mo A N >r J { { b r h . B g | { {^ Z E O |{ ` m| H m g h ` mo

{ b m. { { b H o A Z w ma h m h r |{ mr g m o Z H mo E o o I m m Y maH m| g o A {Y H e { m h h O mo A n Z o mo{ I m m| | > mo a | w ma o w A m o A m ah o . [aU m d n E M V m m| | { e o {

h . { F I m m| | >momar E d yaW j om| | e m mA m| m { V ma o Z o mo { b m h . h m V H

h mao ~ H m g h , h mam { mr g m o Z ` mo Z m H o V h V 31.0 3.20 14 V H 11,124 g o m j o J m m|

H o ` mo m aZ m .

h o m o m m| mo r. r. m > , m mA m| , mo m b o d { m H m > o m ` o a a w o

h . A ^ r V H 6 9 .43 b m Z mo{ I m o I mo o O m M w o h A ma h | B g g m ` V m H mo { V ma X o o H s O aV

h . A { b K w e m mA m| (USBs) H o I w Z o E d J m | { O Z o H m an mo |> > (BCs)H s b J m ma Cn b Y V m g o g H mam H { { m d ` d g m d o X o s >r m Z m r [ab {j V . j m^ aU

(DBT)g o b o X o V a | g w ma V W m I m m| | F g r A d g am| | d { h mo r. { O Z o H mag n m| o> > (BCs)

Q >{ g , r.A mo. g . >{ b , m r o m { mH o Cn ` mo | { , mY ma amo o mW m m m| s

q q | >momar, o Q >/A m n r g (IMPS) o m ` o Z o U s H { mo >m m, o >{ Q > m > m

Cn ` mo , E m H m| mo { b Z o m r w{ Y m Cg J H h m o | h h m H mo H r , { g J

H mo{ mr m o Z o m ao | m m .

4. EZ.nr.E ~YZ :h m h r | E Z . r. H m V o r g o ~ > m ~ >r q V m H m { f ` h , B g H o h b H o { E F I m m| H o { J am r |

~ h ` m h m[aH mo m >o m. m m| s { J am r o mao |[a d o m r | mar Z w o m| mo mam

A n Z m m O m J m. B Z H o n r >o m Z m h h { I m m| | g m H m n V m ma{^ H A d W m | h r b J O m A ma

Cg H o w ma s w{ { V ma m w a r m . [a d >o m| m H | r y Z m >ma (CRILC)

^ r V ma H aZ o O m ah m h { g |`50 { { ` Z A ma B g g o ` m m H o { {Y A mY m[aV A ma J a { {Y A mY m[aV

A { m| H o ~ mao | S >m >m E H {V { m O m J m, g { V aI m O m J m A ma F X m mA m| H mo m { m O m J m

{ g | Q >| > > ma ~ - Q >| > > o r s H B mpV o r mo >r m J r. mar h mo{ e mo r m{ ` o{ g ah o w A m r j U m| m V m J m ma ma{^ H V a a C{ V CR >m . o b /j o/

e m m mo o o { m| a, { | { e o n o e m E m m| o n | mo{ V { m , y { J am r aI Z r

M m{ E ` m|{ o m m| | O moar m y o m Z r j U . C | Z O mo[a` m| mo r r w maZ o o { E

Omo AmdH hCggo ewAmV H a|, { a Omog^d h Cg na mZ X| Ama { a AMmZH Amn Ag^dH mH aZo bJ|Jo.

g|Q> m{gg Am Eo{ggr


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m b o moCY maH m m| o mW CR >m m m{ E .

B g w m a, | mo w m| s moa { e o n o ` m o m m r V m Z . r. o s H m m am{

H s V o r g o d g y r E d Q >| > > F n mo > mo{ ` m| | A ma pb n o H mo amo m V m{ ~ o V a A mpV J w d mm H mo b J m ma ~ Z m aI m O m g H o. E o m H aZ o H o { E E Z . r. n mo > mo{ ` m| H m { o U H aZ o H s A m ` H m h

V m{ g m{ V F M y h o wg wn > H maU m| H m n V m b J m m O m g H o . A m [aH n g oh | H maU m| H s n h M m

H aV oh E Z . r. H o m H s g ` m H mo { Y m[aV H aZ m h . d g y r o w { J E m A {Y H ` W mW m r,

n [aU m y H , ^ m r E d g ` ~ h mo o M m{ E . d g y r n a H ma m { n w V m n y [aV T > g o H aZ o H s

A m ` H m . h r d wa ma m o M r mpV ` m| | w ma { m m H m . g mo Z o m m

w m|/ m mA m| H o F A {Y H m[a` m|E d { ` H H m m ` m| H o F / g y r A {Y H m[a` m| H o km E d H m b

H mo~ >m o H s A m ` H m h V m{ E Z . r. E H s d g y r w V a n a h mo E d F A mpV J w d mm | pb n oH mo^ m r > o { ` {V { m m H o .

{ N > o { Z m| g y r o w s B h b m| mo CZ H s ^ m n y m s { > o P Z o s m ` H m . maV | a o r

(SARFAESI) {Y { ` d >rA maQ >r {Y { ` o^ m d Z . r. s ar d { s r { ` m H m| o { e m

{ X } , { mr A mpV ` m| H o { ^ y{ H aU E d n w { m | A mpV n w { m H { ` m| (ARCs) H s y{ H m,

F g P m m A m{ | b mo A X m V m| g o m g h ` mo H mo g P H a V X Z w ma H ma m H aZ r h mo r. h m h r |

g P m m V m m| d g y r Cn m m| o w >o om|/A b m| o Z w d m| m o o mo Z m Z . r. g y r

H m | m o mo m m{ E .` h ^ r h n y h { ~ H mo { r I m o | ma{^ H V a n a h r F | M y H o b j U E d U V m H m n V m

b J m o h o w g V F A Z w V n { W m{ V H aZ r h mo r V m{ g ` n a { d maH H ma m A ma^ h mo g H o .

A b E d j om| H mo F m|H s d g y r E d A mpV ` m| H s J w d mm | g w ma h o w d f a g { E d O r ah Z m

M m{ E .

5. Ja - `mOr Am` :

K Q > r m a o [a ` | ~ w ` m m{ (NIM) h b o r ~ m | mo, a ` m r m H o m o

h , h m N >m m^ m m mo H m . V m | mar a ` m r m , w m m J ^ J .2% .

O mo { mao H m| s w Z m | h . m m r f m] | q C mo mo ` m m a n Z r

{ ^ aV m H H aZ r h mo r ` m|{ ` m X a| E o r pW { | A m ah r h , O h m m A ma X o ` m H m A a ~ h

H mo ah m . | a ` m r m o mo >m o o { E E amV o b m Z o m| o, b . r/ r. r o A b m m

h dmoZht h Omo h OmZVo h , bo{H Z h dmo h Omoh OmZZo Ho BNwH h. oar HoW[aZ ~mQ>ogZ


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47

e wH A mY m[aV ` d g m o A mo m| s h M m a Cg a ma m aZ r mo r.

h | w{ { V aZ m mo m { { r r H m m {Z {Y J V d a { {Y J V ` d g m mao m ` o r mo.

J m H m| mo o m m aZ o | y Z m d ma m Y m[aV m mo{ H s(I.C.T.)

m Cn ` mo aZ o o o A m o mo r Q > w o . [aU m d n r Z d { { ` m | m m w n { h t mo ah r . |e wH A m ~ >m o H o { E Z E j om| A W m ` m X a d o , mad S > H m o Q >, O r Z ~ r m E d J a O r Z ~ r m ` d g m , ` y ` y b >, M ] > ~ q , ~ moq , A m b m Z Q oq > A m{ | o H a h mar J a ` m r A mH mo >m m mo m. { ` | wH A m >m o s mar mo` V m r m^ V m mo { > m Z m J r.

6. gaH mar `dgm` H m A{YH V bm^

g aH mar ` d g m H o m ` g o e wH A mY m[aV A m m H aZ o H o A g r A d g am| H mo ^ w m oh o w ~ n h b oh r Z B { r | n H d { > J { > H a M w m h V m{H { {^ g aH mar E O |{ m|g o J h Z g H aI m O m g H o .

g aH mar mamo ma | >momar o w o { n ` B h b | s . U | w b r V j o | r, { {Y ` m|H s [an mo{ > d o > | > o m m m m r o a ` m r m | w ma a H r . ma { e o V | ZI m | I mo H a H m m O mam{ ` m m H s O m g H r h . e m mA m|H mo ~ >m m H o Q > H o m ` g o A m b m ZH a w V m mo mo { Z m o s A m ` H m m{ { e r A m w{ { V mo H o .

d f 20 14-15 h o w h mar mo Z m g o { { V h r g aH mar ` d g m | A m ` H d { h mo r. B g H o w ` b `{ Z m w ma :-

gmaU>r VI

mZXS> 2014-15Z E r. r. m o 8 0 , 0 0

Z E Z . r. g m Q > d m b ~ Z m o 1, 0 , 0 0

Z E | Z a m o 50 , 0 0

ZE `dgm` g~Y

Z E {j V r. g . y 30

Q >o > m m}ao Z o am` | 5

{ e o r aH mar ` d g m m m 2am` am| m A Z w mo Z 10 E am`

Cn ` w o b m m E aH mar { ^ m m| o m o m{ b aZ o, 50 0 { [a V r r / g g r g E g ( [a

Z m [aH ~ M V I m m)> e m mA m| H mo m{Y H H aZ m, n | Z E d E Z n r g b m Q > h o w g m{ V H o m| H o { E 50

Xgam| | AN>mBmXoIVohE AnZo AmnH mo Ama ~ohVa ~Zm gH Vo h. OoZr ~oS>br


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48

J m ^ mA m| o mW ` m ` aI m . b m|/ om| d X Z m{ V m mA m| o m m aV m {

B g H m b m^ m H aZ o H o { E n r r /d m b ~ Z / | Z a I m m| H mom H aZ o H o { E A {Y H m{Y H m

H a| o.

7. gnXm ~YZ godmE

O y , 20 0 4 | g X m Z g o mA m| H s e w A m H o g ` g o h r h { {^ g h ` mo{ ` m| H o g mW Q >m -A n

` d W m o h V d m r m, ` w ` w b > d { >r oq > { V r Z r m, a r Z r m o r

n j C m w ^ am o s { > o {Y H { ah o . g g o wH m mo >m o | X X { b V r m a

h n Z r X m Z o m o m Y m | m H m| mo r Z d a r Z r m o m m m mo Cn b Y

H am m o . w d mm y X m Z o mA m| o m o n | Q >r o m ` o r m d r aU r{ ` g U ma >m m m mo{ ` a o { E { {Y U m > y mo m mp V aZ o s mo Z m r Z m ah o . g g o

h mar m mA m| mo n Z o{ d o H m|/ m H m| mo o m Cn b Y am o | X X { b o r. n o{j V V a H mar

e wH mY m[aV m mo >m o o | o m m mo m aZ m m{ ` o ma wH mY m[aV m`

H o ` m| s m{ o { E m } q > { ^ m mo m { aZ m m{ E . b /j or V a o o mo g

h n y m X > o | m e m aZ m m{ E d { J am r aZ r m{ E .

8. Kaoby emIm {dVma

10 m , 20 14 H , o{ {^ am` m| | 456 B m m mo r ma ao y m mA m| m o > H 4729

H m h mo J ` m h . ~ m , 20 14 V H 10 2 { X o r H m m ` m|H mo e m{ b H aV o h 50 0 0 e m mA m| H o b `

H mo m{ b aZ o s { e m | o r o m o > ah m . { mr f 15 | o yao o | 40 0 -50 0 m m

O mo > o s mo Z m Z m . aU Z r{ H n o h n y W m m| d 16 am` m| / | e m{ V o m| o { H mg e r

/A n { H { V | m| |, h m mao s m m a { g o mar , B m mA m| mo mo Z o o ` d g m {

H s { e m |~ mam { O m ah o m m| H mo O ~ y r { b o r. W m{ H g { V aU | ~ o V a E H n V m g w{ { V

H aZ o h o wH ~ q g w{ Y m m o | m|, { e o n oH ~ q g w{ Y m m o am` m| o H ~ q g w{ Y m m o

{ b m| |, e m m I mo Z o h o w ~ m|H mo mo m{ V { m O m ah m h . maV r [a d ~ Z o ~ m| H mo A n Z r H

g o 25% m m a{ V m r | m| | mo Z o o A Z w o { E .

{ mr f 15 o mam b m| mo o o | m| a, h m mam m } > o a , { e o n o Cmar, {j U

gdm{YH mo H mo hr g bVm {bVr h. Zonmo{bZ ~moZmnmQ>}


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am` m|/ | e m{ V o m| E d X o H o n y m}ma ^ m |Z B e m m I mo Z o n a ` m H | { V H aZ m M m{ E . ~ H o

` d g m H mo ~ > m o H o { E A b m| mam e h am| H o { H m e r Cn Z J ar j om| | ^ r e m m I mo Z r M m{ ` o.

A b m| mo h y h m J ar | m| a o 10 -15 - m r mo Z o m ` aI Z m m{ E , { g g oh mao s >{ d ` V m o V a Z o r. m H m| mo n Z o mW mo > o | { { > r ar m m s h

h . o b mo, m r | m| a o n Z o [ag a | o m m e m r m m mo Z m

^ r g w{ { V H aZ m M m{ E , { g g o W m r g aH ma E d am` m { H V | ~ H s N >{ | g w ma h mo m,

g mW r s m > >{ ^ r w > mo r.

9. mZd ggmYZ ~YZ :

~ >r g ` m | h mo ah r g o m{ d {m / o m m , e m m { V ma mo Z m, ~ H s { {^ n h b m|, A Q m me m mA m| H mo I mo Z oH o g | q H A {Y H m[a` m| H s V m r A ma g mW h r { e o H m b ` w m d g mY Z

H s O aV m| H mo n yam H aZ oH o { E n [ad rj mY r A {Y H m[a` m| E d { { H H m{ m| H s { ` { V ^ V u H o A b md m

A m r r g / w o { km Z o [aE A Z w d r { e o km| s { ` { V ^ V u s m ah r .

~ H s { j U H m r{ E H g J E d ~ h m m r { H m H m r{ h , { g H o V h V ~ H m[a` m| H s

g J j V m | g w ma b m o E d ~ q H o Z E j om| | { {^ m b m| H s A m ` H m H mo n yam { m O m m h .

{ {^ H m j om| | { a a M b Z o d m o { j U H m m| H o A b m m, h Z o H m[a m| H o { E ` d pW V B -

b { H m b m y { m h { g | B - { H o { E Z B { j U Z m r ( b E E g ) H m e w maA ma d mo o r { j w | { V { X } { {Y o m o - { ao mo T >m m m{ b . m > g m J r

B - { >| > o> b n | > | >am| o b mam s B .

E g | > d C m m| mo mar aI V o X V a a V m { m o { E { {^ { H m m

E d { {^ mar y m| o { E ` d pW V { ^ m { H m m m| s mo Z m Z m B .

~ moQ > H pQ > J w ( r r r) H s g m o mar | ~ H s w e w A m mo o Q n e H o m ` g o { {^

{ ^ m h M m , Cmam{Y H ma m mo Z d m r r ` d W m ma s B . g Z o m y m m d mY Z

{ mA m| d r{ ` m| mo r Z m m ma H s m d mY Z >m o m { m { m . b /j o/

e m mA m| H mo Z B { ^ m H m n y am Cn ` mo H aZ m M m{ E A ma b mo m| H mo Z B ^ y{ H mA m|/ { o m[a` m| H o { E

V ma aZ m m{ E .

AJa AmnHo H m {H gr A H mo mXm gnZo XoIZo, mXm grIZo , mXm H aZoAma mXm ~ZZoHo {bEo[aV H aVo h VmoAmn EH brS>a h .

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H m[a` m| o m { n m Z mo >m o d C | mo m{ V aZ o o | mao Q >m mo CZ H o m { n m Z

H o mY ma a mo m{ V aZ o o { E { m f 13 o H m H mo m Z mo Z m r w A m s B . h

` mo Z m ` m H d m o r d s { g H o h V {d {^ V am| o ^ r o{ ` m| o Q >m X ` m| d ^ r ma s H m ` m|/ m m ` m| momo m Z o { E m Z m m ` m . g H m H X N >o > m { n m Z mo

mo m{ V aZ m ma { n m Z d m o r n W m{ V aZ m . Z h b m| o mao m[a` m|

H moZ H o b A n Z o km E d { n m Z V a H mo H m s ~ >m o | X X { b o r ~ pH ~ H o b ` m| H mo h m{ b

H aZ o s { e m | CZ H o r d >W { n Y m s w A m ^ r mo r.

10. AmBQ>r H m`md`Z :

A m >r aM Z m mo moa q aM Z m o m o o m o o n Z o m H m| mo y` {Y o m mH aZ o o { E Z o h b | s . Z | C m m|/ o mA m| o y o m H Z , d g m { o U ,

d pn H { > r ar b m| o h V { {^ h b | o H m w V m o m , mo m b q , m rA maE g ,

B >aZ o > n o | > J o > o A m{ e m{ b h . B Z g o h | O Z ao Z d m J m H m| H m o A m { H aZ o | X X { b o r O mo {

V H r C w pn H b m| mo g aV o .

V H r m {Y H m^ CR >m o o | E o y, A m g V mA m| m {Y H m^ CR >m m m{ E

E d m }q > V W m Z o > { A m{ H o { E S >m >m m H aZ o /Cn ` mo H aZ o H s {m { H { V H aZ r M m{ E .

Q >o Z mo> m r H s X X g o g m mo Z { m H o n y d M m Z , J a- m H ~ A m{ H m m] H mo A ma~ rA mo E d

g r rA mo | W m m [aV a m mA m| o { H s d o m H m | n m aU mam ` d g m m o V a d w m H

d g m g d h . ~ H o ` d g m H mo ~ >m o H o { E h | J m H m| H mo H t ^ r ~ q H s g w{ Y m m H aZ o

H s A m ` H m h . J m H m| H moS o >{ Q > H m > O mar H aZ o, B - m r/ Q >r g o mA m| H s e w A m g o b o X o H s

H s V mo aZ o | m s X X { b o r.

11. JmhH godm

~ q o o m C mo mo o o m o | n Z o H {j ` m| o m o Z o ah Z o o { E o m o C V a m X > W m{ V

H aZ o H s A m H m h . m H m|H mo CZ H s A n o mA m| o o V a o m m H aZ o g o | o b CZ H s m

h m{ b h mo r ~ pH d o h mao ~ m > E ~ o S >a ~ Z O m o. mp H { km Z ~ h V o r g o h mo m h A ma B g g o h |

ImoO CgoXoIZm h {Ogo g^r XoIVoh Ama Eogm gmoMZm hOgm {H gr Zo Z gmoMm hmo. E~Q> O|Q>{OamOr


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^ m n y ma { b V m h . m } q > E d ma n a { Z r r am{ ` m| Z I M H s O m , d h B g w V ma

H o { V Z m ^ m n y Z h t h mo g H r. A V : A m E ! h B g d f A n Z o ~ H moJ m H m|E d A m O Z V m H o ~ r

g o m o C V m X >m| m o R > o | W m{n V aZ o m n |. w o y am { m { g `H mo m{ b aZ o a ` d g m d V : A m J m.

B g | h ^ r ~ V m m M m m { J m H m|E d E E g B H o { ~ H s { ~ V m H o g | ~ q

H mo > E > Q > o S > > ~ mo > A m B { > m ( r r g ~ rA m ) Z o A n Z o d m{ g d } U | H w 6 8 .7 H m H moa m

H aV o mao s m V aoq > s . h aoq > e m r { mam mo > o Z w m Z | m s w ma

H s aV . V m mA m| mo r r g ~ rA m mam C{ p V { {^ m H m| m 10 0 % Z w m Z w{ { V

H aZ m mo m. m m { o >m{ ` Z m H m| s m H mA m| o { n Z o O J V m V a | w ma m

A ma ^ r m H H q X w a w{ Y m Z H m m m { m w{ { V a|.

12. H mnm}aoQ> JdZ]g :

~ m m}ao > d Z ] o | o > { ` m| mo d h ma | m m ma Cn ` w d C{ V m X >m| m o { ` m H s

{ e m { X } m| mo m y aV m . Cn ` w m{Y H m[a` m| mam s r{ ` m| s m s m r ma | y ao R > | m y

{ m m m . { { > aoq > O | r m rA maE o mao mo n Z r aoq > s r | y ar C r rA ma-2 s

H m m}ao > J d Z ] aoq > m H s h . ~ mo > H s { {^ Cn g { { ` mo H o A { [a V ~ H o n m , " m H g o mA m|

H s { m E d { n m Z A m{ > >' g r E H A b J W m r g { { h { g | A m O Z V m H o h n y g X `

e m{ b mo o , m H - o m m b m| s rj m aV o n Z o w m o o . mo > m H m| s { H m V m| s

g rj m H aV m h E d g o mA m| H s J w d mm | g w ma H o { E Z d mo o r Cn m g w m m h . o m e m m V a

H s m H o m { { s > m| m m mo Z d { m m m m{ E ma g | m o { {^ J m] o

J m H m| m o m {V aZ m m{ E . > o mam m w m m| /{ > { ` m| mo mo > aZ m m{ E d h r >

g o m mo-A n aZ m m{ E .

A m| s ah mam r q mo S > Q > S > > mo > m { > m( r r g ~ rA m ) m X `

A ma J m H g o mA m| H o V a H mog w maZ o H o { E B g H mo > H mo A n Z m m h . e m m/ ~ H o d o g m Q > n a H mo >

A Z w m Z A {Y H mar H m Z m , n V m E d X ya^ m A V Z { m O m m M m{ E . d o g m Q > | { { > Z M m > a, A m e

A m ma { V m, o U r{ , q mo m mo Z m d { H m V { d maU o mW m H m| mo q

lo> bmoJm| Ho H mm] H mo H aZo | gmm bmoJm|H mo gj ~ZmZm hr AN>m ~YZ h . OmZ S>r. amQ>oba


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g o mA m| o | CZ H o {Y H mam| d ` m| o mao | m H aZ o o w { H m V O aZ o m m r

Cn b Y .

13. OmopI AmYm[aV n dojU

^ maV r [a d ~ mam h m h r | d m{ p` H ~ m| h o w A ma H s J B O mop A mY m[aV n ` o U g aM Z m

{ g o O mop A ma n y r H o { Y maU H o { E n ` o U H m (n m ) H m O m m h , H m C o` O m m m|

H o { V m| s aj m aZ m d o { mr W m m| s pW { mo N >m Z m aI Z m . ma~ r g o

e w ma o maV | { mr m r o { ` m H s d ` o U [a ` | ` m H X b m m J m. g X b m

H o w ` maH H r , O ~ y { mA m| o mam { mp V >m >m { >{ >r, [an d e Z w m Z d

A m [aH b o m n arj U g aM Z m A m{ h . ^ maV r [a d ~ A m >m| H s A g V [an mo{ > H moJ raV m g o b o mh , { g H m [aU m s { >m mop o n | A m m . g { E o [aM m Z H m mam ma~ r g

H o { m ` Z o { E >m > m b rq J m m W m O ~ y { H { V aZ o mo mW { H m o mY ma

n a aZ m m{ E .

14. nyOr AZwHy bZ

~ mam m { V mop m| o { E y r m Cn ` w m > 1 , 20 13 o ^ m r m o -III{ ` m| ob m y h mo o H o g mW A ma A {Y H h y h mo J ` m h . 31 m , 20 19 H mo n y b m y { O m o V H ~ m o

{ ` g ` H o g mW A {Y H g V h mo o O m o . X y ar A moa ~ m o IIIH s h m{ { b Z g r A m ` H m H mo

n yam aZ o m o y r { I V m| s m } q > , s V d { d o H m| s Cn b Y V m s { > o w m r Cn pW V aV m

h . A V : O mop b o o H o n y { O m o m o H o { > > O mop b o X o m| g o h mo o d m r A m H mo A m { > n y r n a

A m s m >r a { d o y > o y` m aZ m m{ E .

H o{ > > mop o maS > ` y s U Z m o { E H m { Q >> | W mW aH m >m| s { { > o { ` m H o

g j o b mar { >m { I ao r { V w g g o | y r d mo > mo{ ` mo s { > o m r{ H { U o o

| r X X { b o r. m mA m| o n o m { o maS > ` y U Z m o {Y V m >m| mo aZ o d ` d p V

V ma a aI Z o | m Y m W mW aH ah |.

{VnYmnyU AWdWm |{H gr C Ho {bE {dlm Ho Adga Zht hmoVo. Ebo S> nr. bmoZ


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15. ~mgob {Z`m|Ho VhV {dH {gV {>H moU Ho {bE V mar :

~ , mop Z o | am >r V a o o > ` d h mam| mo n Z m o s { m | mo { m o III

{ ` m| | m y . { H { V { > mo r w > h n y m q X w A ma w ` m | g ma :

H . Ho {S>Q> OmopI :

~ Z o mC o> Z A m ma~ r H m o A n Z m o H o { E A m o Z { m h A ma n ao b aZ H aZ o H o { E yar m

h mo J B h . O m E d M M m H o H w > X ma H o ~ m ^ maV r [a d ~ Z o m 20 13 g o E m ma~ r g m m a

o n Z m o s yar o r . m [aH aoq > mY m[aV (A m ma~ r) { > mo mo Z m o o |

e m mA m| mo A { d m n o{ Z { p V m yao aZ o m{ E .

E o o m H m| o { E h m m H m| s o { > > r m . 5 amo > m Cg g o {Y H ma CZ H o m h o { > >

g w{ Y m , CZ H o o { > > { { Q > o { d aU m| mo o{ > > { { Q > mo > m > y | aI Z m.

{ o { Q > | H o { > > { { Q > H o { E X r J B { ^ y{ H o { d aU m| H mo { > H aZ m E d B g o g w{ Y m g o

O mo > m.

I. n[aMmbZ OmopI

~ [aM m Z mop m b m| d g g o {Y V { mr m m| mo { V aZ o o { E g E E g rA mag rg mY m m y a ah m . o > am >r ` d h mam| o mop { ` U d d { Y maU (A mag r g E ) ma

w ` > O mop g o H ( o maB ) H m H mo A ma H aZ o H s V mar H s O m ah r h . B g g o ~ H mo n [aM m Z

O mop H m oA {Y H ^ m r V ar o g o { o{ V H aZ o E d { ` {V H aZ o | X X { b o r. B Z l o > H m m] H mo h

O y , 20 14 V H H m mp V H aZ o H s ` mo Z m ~ Z m ah o h . B g H s g V m H o { E m { H H m m ` m| g { V

e m mA m| y ao h ` mo r m{Y H m[a` m| s { h ^ m{ V m m s h n y .

J. ~mOma OmopI :

~ b mo b { S > H m m ` W m{ V H a ah m h { g H o m ` g o w B | ~ H s K ao y Q o ar E d h n y

{ X o r n [aM m Z m| H o ~ m ma O mop H mo A m { V { m O m g H o m. B g g o h mar ~ m ma O mop pW { ` m| H m

y` m , o ao d [an mo{ > { m V n y d ^ m r > o aZ o | X X { b o r. g H o m m ` Z o mar

{ e o r o ar m m, w B d w > { X o r o m{ b m| o. n Z r m mo m aZ o o h b o { mr

AN>m ~YZ gmAm| H mo{MH a ~ZmZo Ed CZHo gmYmZ H mo Ama aMZmH ~ZmZo H s H bm h Vm{Hg^r H m H aZo Ama BZgo {ZnQ>Zo | OwQ> OmE.

nmb hm{H Z


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d f , 15 o mam A n Z m m o m r w > { e o m r{ ` m| mo mo am m m m, mo g ma : -

d g m o ^ r { g mo | { V ma d m H { .

Z H g y r, A n J o o> Z , E pb n o moamo o o mam A mpV w d mm mo w maZ m.

{ {^ V am| a ` m H A mY ma m r w d mm aH { .

e wH A mY m[aV A m >m o a ` m | { V aZ m.

~ >m m H Z o m m m| m U .

g aH mar ` d g m ~ >m o n a { e o ` m H | { V H aZ m. H | /am` g aH ma/ g E b ~ r r E O |{ ` m| H o g mW

g W m{ V aZ o | E { > s A {Y H h ^ m{ V m.

E g o m mo >m o o w A {Y H o A {Y H rA mo g e r | J m m. o { M V m mY maH mo o>{ Q > m > mZ aZ m.

` m g m{ H C o` o ^ r m m| mo A mY ma (Aadhaar) o mo > m.

n | Z m o / B | Z mo Z m ( Z n r g ) m o mo Z m.

j /A j { A { m| mo >m o a ` m | { V aZ m.

{ mr g m o Z H o { g o H o n | g y { m E O |{ ` m| / Z O rA mo H o g mW g h ^ m{ V m ~ >m o h o w A ma

m aZ m. { ` m mo w ` d g m ({ ` m { m/ moao g > A mo a) a { e o b o m.

oo B H m g o B Z H m r{ ` m| H mo b m y H aZ o H o H | ~ H o Z r o { E J E g J ` d g m X e H mo

` m | aI Z o m A m aV m .

~ | { m C { H y` - m r mo Z m aI Z m.

{ d maH V H m o n | C{ V p h g b b mo a r{ V .

g ^ r V am| a A m >mo s V m mo w{ { V aZ m.

O ~ y m R >{ H { ` U /Y mo mY >r { d maH m w V .

h a ah o mop mo aZ o o { E l o > mop Z m r mo A n Z m m.

J m H { H m V m| o | y h Z e r V m.

AmO h Omo ^r h {X dh hmaonyd | {H E JE H mm] H m n[aUm h, Vmo {ZpMV n go Omo ^r h ^{d|~ZZm MmhVo h dmo hmao dVmZ H mm]na {Z^a H aoJm.

dmr {ddoH mZX


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" m H d W ' s H { mo { a o ^ r V am| a m mp V aZ m.

J a A Z w m Z o | y h Z e r V m.

H o m g r [aH m >> mo { a a A mY ma a A V Z aZ m.

d W m m{ V m m aU o { m o { E H r m A {Y H V o m .

H o {S > > { U m| o mW - mW o { U / m /{ m | > amCS > >m s d Y maU m mo n Z m m.

B g g o h b o { { mr f 20 15 o { E ` d g m r{ { e m{ X } / m r{ mo m y aZ o o w V w ,

h m h mo am m m m { o m r{ ` m o b m o { H , y h t . b /j om|/ m mA m| mam g o

` m |aI V o n Z r [aM m Z m r{ ` m ma a r m{ E W m r m ` H mA m| o Z w n r -

~ r | B g |A m ` H g w ma r H aZ m M m{ E . { {^ V am| H o Z o mam B Z { e m{ X } m| H m A Z w aU A maH m m}ao > ` d g m ` m| mo { Y m[aV ` - r m | yam { m m m w{ { V aZ m m{ E . m ` o! C mo

O J V | w m H E d mm m mo m| r { > m| o E H ma { a A m o ah Z o o { E H w > mo a m a| .

o >m{ ` Z mo s mad mm |l o > mo X m o o o w w H m Z m o m .

WmZ w~B Eg.Eg.yXS>m{XZmH : 19 mM, 2014 A`j Ed~Y {ZXoeH


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20 ,372 21, 0 6 M m y 27, 0 0 35, 0 0 8 , 0 0 30

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18 7,18 8 237, 9 7 g m {Y 255, 0 0 30 0 , 0 0 45, 0 0 18

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