Central Bank AR-11

8/2/2019 Central Bank AR-11

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1. Fbjves yeQefkebie :

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Fueskee@efveke [ee FbjeWpe heefle :

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2. ceeveJe mebmeeOeve efJekeeme :

(i) keee&-efve


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mevue yeke Dee]He Fe[ee

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Scemeer - efveosMeke ceb[ue keer eyebOeve meefceefleSmeeryeer - efveosMeke ceb[ue keer uesKee hejer#ee meefceefleDeejScemeer - peesefKece eyebOeve meefceefle

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mevue yeke Dee]e Fe[ee

efveosMeke kee veece ope& keer ieF&GheefmLeefle

keee&keeue kes oewjeveDeeeesefpele yew"keW

DeJeefOe(mes leke)

keee efoveebke 1Deeeesefpele Debeflece

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eer Sce.kes.Yeeeee& 05 5 01.04.2010 29.07.2010

eer meueerce iebieeOejve 07 10 30.07.2010 31.03.2011 Speer Sce keer efleefLe h

eer Sce.Sme.peesnj 08 10 01.04.2010 01.01.2011

eer ye=peueeue #eef$ee 14 15 01.04.2010 31.03.2011

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Deheveer egkelee hetbpeer ye{eF&. yeQke ves` 1,300.00 kejes[ Ge efej - II yee@C[ kes peefjS pegeS. efveefOeeeW kees pegeves kee cegKe GsMe hetbpe rkejves nsleg efej - I SJeb efej - II hetbpeer ye{evee SJeb yeQke kes oerIee&JeefOe eesleeW ceW Je=ef kejvee nw. pegeF& ieF& efveefOeeeW kee Gheeesie Ge

Yeejle mejkeej kees peejer` 450.00 kejes[ kes heerSvemeerheerSme efveie&ce DenmleeblejCeere nQ Deewj meke SkemeeWpe kes meeLe Fvekee JeJenej venee-efJeee/ DeLeJee meteeryelee veneR efkeee pee mekelee nw.

mebes


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yeQke kes Mesej yee@cyes me@ke SkemeeWpe efueefces[ SJeb vewMeveue me@ke SkemeeWpe Fbef[ee efueefces[, oesveeW ceW meteeryeOo efkeS ieS nQ. efm

yee@cyes me@ke SkemeeWpe efueefces[ (yeerSmeF&) 532885ve@Meveue me@ke SkemeeWpe Fbef[ee efueefces[ (SveSmeF&) meerF&SveerDeejSSueyeerkes

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ceeefmeke Ge SJeb efvecve YeeJe SJeb yeerSmeF&hej MesejeW kes ee-efJeee keer ecee$ee (yeQke kes Mesej cetue keer mesvmeskeme mes leguevee meefn

yeerSmeF&ceen DeefOekelece cetue vetvelece cet ue MesejeW keer mebKee mesvm

DeefOekelece

Deewue 2010 166.40 144.10 3748116 18,047.86

ceF& 2010 160.00 140.00 4403830 17,536.86

petve 2010 153.40 140.45 3662394 17,919.62

pegueeF& 2010 169.70 138.30 6399333 18,237.56

Deiemle 2010 196.30 163.35 8278300 18,475.27

efmelecyej 2010 207.40 178.00 8401678 20,267.98

Dekeletyej 2010 248.70 190.70 12045935 20,854.55

veJecyej 2010 249.05 180.20 12138037 21,108.64

efomecyej 2010 206.00 157.30 6942298 20,552.03

peveJejer 2011 185.20 158.50 4362224 20,664.80

HejJejer 2011 177.95 137.15 3594467 18,690.97ceee& 2011 174.45 129.30 9933806 19,575.16

Mesej DeblejCe SJeb MesejOeejkeeW/efveJesMekeeW keer efMekeeeleeW kee efveJeejCe :

Mesej Deb lejCe, Oeve-Jeehemeer DeeosMe, ueeYeebMe Yegieleeve SJeb efveJesMekeeW mes mecyebefOele Deve ieefleefJeefOeeeW hej keej&JeeF& nceejs jefpemej SJeb evkeer peeleer nw. FveceW mes efkemeer Yeer omleeJespe kees pecee kejves Deewj efkemeer Yeer het-lee/efMekeeeleeW/keef"veeFeeW kes mecyebOe ceW Mesej OeejkeeW mes efveDevegjesOe nw:

efuebke FveeFce Fbef[ee eeFJes efueefces[

meer-13, heVeeueeue efmeuke efceumedkecheeGb[SueyeerSme ceeie&, Yeeb[ghe (heefece)

cegbyeF& - 400078

sueerHeesve : 022-25963838

Hewkeme : 022-25946969

F&cesue DeeF&[er : [email protected]

8. efoveebke 31.03.2011 kees MesejOeeefjlee kee mebefJelejCe

MesejOeeefjlee kee meb efJelejCe (Meseme&)

Meseme&keer MesejOeeefjlee MesejOeejkeeW keer mebKee kegue kee eefleMele Meseme&

1-500 170665 96.2263 15161745

501-1000 3794 2 1392 2925767



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'meeJe&peefveke' keer esCeer ceW Deeves Jeeues JeefeeeW keer MesejOeeefjlee, efpevekeer MesejOeeefjlee kegue Meseme& keer mebKee kes 1%mes DeefOeke

meeJe&peefveke keer esCeer ceW Deeves Jeeues JeefeeeW keer MesejOeeefjlee kee efJeJejCe, efpevekeer MesejOeeefjlee kegumebKee kes 1%mes DeefOeke nwMesejOeejke kee veece Mes eme&keer mebKee

Yeejleere peerJeve yeercee efveiece 12247090

Yeejleere peerJeve yeercee efveiece ceekex hueme 9997512

Yeejleere peerJeve yeercee efveiece ceveer hueme 4210341

kegue 26454943

efoveebke 31.03.2011 kees MesejOeeefjlee kee mJehe

efoveebke 31.03.2011 kees MesejOeeefjlee kee mJeheMesejOeejkeeW keer esCeer Meseme&keer mebKee MesejOeejkeeW keer mebKee kegue Mes

[erces Yeewef leke [erces Yeewef lekekesv mejkeej 324141460 0 1 0 324141efkeueeefjbie meome 792283 0 464 0 792Deve efvekeee 6261760 0 1290 0 6261

kee@heexjs efveosMekeieCe 300 0 2 0efJelleere mebmLeeSb 29061761 0 6 0 29061efJeosMeer efveJesMeke mebmLeeSb 13105828 0 76 0 13105efnbot DeefJeYekele heefjJeej 74563 0 2 0 74cegegDeue HeC[ 1883260 0 12 0 1883je


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9. Meseme& kee ef[cesefjeueeFpesMeve

yeQke kes Meseme& kee ee-efJeee DeefveJeee&le: [er-cew he ceW efkeee peelee nw . yeQke ves henues mes ner Meseme& kes [er-cew efjeueeFpesMeve kes efueSefmekeetefjer ]pe ef[hee@efpejer]pe efueefces[ (SveSme[erSue) SJeb mes vue ef[hee@efpejer meefJe&mesme (Fbef[ee) efueefces[ (meer[erSmeSue) kes meeLe kejej

efoveebke 31.03.2011 kees MesejOeejkeeW eje [erces SJeb Yeewefleke mJehe ceW Oeeefjle Meseme& kes efJeJejCe :

MesejOeejkeeW keer mebKee Meseme& keer mebKee

Yeewefleke mJehe ceW 12 1834

SveSme[erSue 116093 67252872

meer[erSmeSue* 61253 336886754

kegue 177358 404141460

*kesv mejkeej eje [erces he ceW Oeeefjle 3214141460 (80.20%) meefnle.

keesF& Yeer peer[erDeej/S[erDeej/JeejC DeLeJee heefjJele&veere efueKele yekeeee veneR nw.

Geble KeeleeW ceW DeoeJeeke=le Meseme& :

meteerkejCe kejej kes KeC[ mebKee 5S keer Melees kes Devegmeej, efoveebke 31 ceee&, 2011 kees DeoeJeeke=le Geble Keelee" ceW yekeeee Mes

e.meb. ef JeJejCe MesejOeejkeeW keer meceie mebKee m(i) efoveebke 15.11.2010 (DeoeJeeke=le Geble KeeleeW kes eejbYe nesves keer efoveebke) kees

DeoeJeeke=le Geble Keeles ceW yekeeee kegue MesejOeejkeeW SJeb Meseme& keer mebKee364

(ii) Je


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meteerkejCe kejej kes Keb[ 49 kes Debleie&le HeceeCeve

Heefle,

efveosMeke ceb[uemesvue yeQke Dee@He Fbef[ee

en HeceeefCele efkeee peelee nw efke :

S. ncevesmesv^ue yeQke Dee@He Fbef[ee kes efJeeere Je


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kee@Heexjs ieJeveXme Hej uesKee Hejer#ekeeW kee HeceeCeHe$e

Heefle,mesvue yeQke Dee@He Fbef[ee kes meomeieCe,

nceves efoveebke 31 ceee&, 2011 kees meceehle Je


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Yeejle kes je


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yeer) ueeYe SJeb neefve Keelee men heef"le cenllJehetCe& uesKeebkeve veerefleeeW SJeb Gve hej efhheefCeeeW kes meeLe, meeceeveleee, Yeejle ceW mJkes Deveghe uesKee eje keJej efkees ieS Je


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efoveebke 31 ceee&, 2011 kee legueve He$e

DevegmeteermebKee

efoveebke31 ceee&, 2011 kees

`

Hetbpeer SJeb oseleeSb

Hetbpeer 1 2021,14,15

Mesej DeeJesove jeefMe (vees 1 kee meboYe& ueW) 2025,68,36

Deejef#ele efveefOeebe SJeb DeefOeMes


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efoveebke 31 ceee&, 2011 kees meceeHle Je


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`

efoveebke31/03/2011 kees

`

Devegmeteer 1 : Hetbpeer

eeefOeke=le Hetbpeer 3000,00,00

efveie&efcele, DeefYeoe SJeb Heoe Hetbpeer : 404,14,15 404,14

`10/- Heefle Mesej kes 4041,41,460 FefkeJeer Meseme&(kesv mejkeej eje Oeeefjle 3241,41,460 Meseme& meefnle)

yesceereeoer Demebeeer DeefOeceeveer Mesej Hetbpeer 1617,00,00 1367,00

2021,14,15

kegue 2021,14,15

Devegmeteer 2 : eejef#ele efveefOeeeb SJeb DeefOeMes


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`


`

Devegmeteer 3 : pecee jeefMeeebS. I. ceebie pecee jeefMeeeb

i) yeQkeeW mes 357,97,86 708,83,83ii) Deve mes 15073,37,64 14362,54

15431,35,50II. yeele yeQke pecee jeefMeeeb 47644,93,89III. meeJeefOe pecee jeefMeeeb

i) yeQkeeW mes 2685,57,83 5427,57,92ii) Deve mes 113594,14,31 100844,97

116279,72,14kegue 179356,01,53

yeer. i) Yeejle ceW efmLele MeeKeeDeeW keer pecee jeefMeeeb 179356,01,53ii) Yeejle kes yeenj MeeKeeDeeW keer pecee jeefMeeeb

Devegmeteer 4 : GOeej jeefMeeebI. Yeejle ceW GOeej jeefMeeeb

i) Yeejleere efjpe]Je& yeQke 0ii) Deve yeQke 6,47,70 45,97iii) Deve mebmLeeSb Je Spesefvmeeeb 5809,02,69 2575,14iV) Dejef#ele Heefleose yee@C[ (ieewCe $e+Ce) 2137,30,00 2407,30,0V) DeHej efejII yee@C[ 2885,00,00 1585,00Vi) veJeesvces


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`


`

Devegmeteer 7 : yeQkeeW ceW pecee jeefMeebe Deewj cebeie Je DeuHe meteveeHej jeefMe

I. Yeejle ceWi) yeQkeeW kes Heeme Mes


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`


`

Devegmeteer 9 : Deefiece

S. i) Kejeros ieS Deewj YegveeS ieS efyeue 1937,60,90 1340,05ii) vekeo $e+Ce, DeesJej[eHe SJeb ceebie Hej Heefleose $e+Ce 37941,61,61 31499,89

iii) ceereeoer $e+Ce 89846,18,15 72543,53kegue 129725,40,66

yeer. DeefieceeW kee efJeJejCe :

i) cetle& DeeefmleeeW eje jef#ele 95408,75,20 80993,22

(yener $e+Ce kes mece#e DeefieceeW meefnle)ii) yeQke/mejkeejer ieejbefeeW eje keJe[& 9493,82,35 5760,65,7iii) Dejef#ele 24822,83,11 18629,60

kegue 129725,40,66meer. Dee f ieceeW kee #es$eJeej JeieeakejCe

(I) Yeejle ceW Deefiece

i) HeeLeefcekelee #es$e 40509,50,96 33873,12

ii) meeJe&peefveke #es$e 9868,12,04 5081,20

iii) yeQke 17,43,88 1015,37

iv) Deve 79330,33,78 65413,77

kegue 129725,40,66(II) Yeejle kes yeenj Deefiece -

Devegmeteer 10 : Deeue Deeefmleeeb

I. Heefjmej(ueeiele/Hegvecet&uebeefkele ueeiele Hej)

efHeues Je


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`


`

Devegmeteer 11 : Deve Deeefmleeeb

I. GHeefele yeepe 1077,91,72 996,27

II. Deefiece kej Yegieleeve/eesle hej keee ieee kej 2283,24,48 2186,58,2

(Meg HeeJeOeeve)

III. msMevejer SJeb mechme 12,34,74 11,96

IV. oeJeeW keer Hetefle& mes Deefpe&le iewj yeQeEkeie Deeefmleebe

V. Devlej keeee& uee meceeeespeve 1531,18,81 620,92

VI. Deve 2914,54,70 7819,24,45 1349,22

kegue 7819,24,45

Devegmeteer 12 : Deekeefmceke oseleeSb

I. yeQke kes efJe oeJes efpevnW $e+Ce kes He ceW veneR ceevee ieee nw 181,53,42

II. DeebefMeke Heoe efveJesMeeW kes efueS oselee 57,86,49

III. yekeeee Jeeeoe efJeosMeer cege mebefJeoeDeeW kes keejCe oselee 28805,44,33

IV. ieenkeeW keer Deesj mes eoe ieejbefeeb

S) Yeejle ceW 6367,09,49 5650,07yeer) Yeejle kes yeenj 307,84,45 127,50

6674,93,94

V. mJeerke=efleebe, He=ebkeve leLee Deve oeefelJe 6179,68,95

VI. Deve ceoW efpevekes efueS yeQke Deekeefmceke He mes osveoej nw 850,00,00

kegue 42749,47,13

efoveebke 31 ceee&, 2011 kees legueve He$e keer Devegmetefeeeb

J


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efoveebke 31 ceee&, 2011 kees meceehle Je


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Devegmeteer 17 : cegKe uesKeebkeve veerefleeeb

1. uesKeebkeve jerefleeeb :

heefjmej kes hegvece& tueve eje mebMeesOeve kes DeueeJee efJelleere ef JeJejefCeeeb hejb hejeiele ueeiele DeeOeej hej ueeYekeejer keejesyeej JeeuesDevegmejCe kejles ngS leweej keer ieF& nQ leLee meYeer leeeflJeke henuegDeesb mes, Yeejle ceW meeceevelee: mJeerke=le uesKeebkeve efmeebleeW (peerSS

meebefJeefOeke eeJeOeeveeW, Yeejleere efj]peJe& yeQ ke (DeejyeerDeeF&) eje efJeefveefo&


55/232

yeer) efJeee kes efueS GheueyOe :

Fme esCeer kes Debleie&le efveJesMeeW kees efleceener Deblejeue hej yeepeej ceW, efmeheJeej efvecveJele Debefkele efkeee peelee nw :

i) kesv mejkeej keer eefleYetefleeeb yeepeej cet ue hej me@ ke SkemeeWpe/ SHeDeeF& SceSefvekeeues ieS keessMeve kes Devegmeej

ii) jepe mejkeej keer eefleYetefleeeb, kes v/jepe mejkeejeje ieejver ke=le eefleYetefleeeb, heerSmeet yee@C[

heefjhekeJelee kes DeeOeej hej Gefele Deee kes Devegmeej

iii) spejer efyeue/pecee-eceeCehe$e/Jeeef Ceefpeke heshej/#es$eere eeceerCe yeQkeeW ceW efveJesMe

jKeeJe ueeiele hej

iv) FefkeJeer Mesej S) G= le : yeepeej cetue hejyeer) Deveg=le : eef le Mesej yener cetue hej, e

hegjevee veneR) leg ueve he$e Gheuekebheveer, eefo, veJeervelece leguevehe

v) DeefOeceeveer Mesej S) G= le : yeepeej cetue hejyeer) Deveg=le : heefjhekeJelee hej Gefele Deee

vi) ef[yeWej SJeb yee@C[ S) G= le : yeepeej cetue hejyeer) Deveg=le : heefjhekeJelee hej Gefele Deee

vii) cetegDeue Heb[ S) G= le : yeepeej cetue hejyeer) Deveg=le : hegve: ee cetue hej ee Meg De

cetue GheueyOe ve nes)

viii) Gece kes efueS hetbpeer Ieesef


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v) eefleYetefleeeW kes DeefOeienCe kes mecee efkeS ieS Keees pewmes oueeueer, Heerme, keceerMeve ee kejeW kees Deee ceW eYeeefjle efkeee

vi) eefleYetefleeeW kes ee ee efyeeer hej Kebef[le DeJeefOe kee yeepe, Deee ceo ceevee ieee nw.

4. [sefjJesefJpe

efJeeere neefve mes yeeeJe-JeJemLee kes efueS eege [sefjJesefJpe kee uesKeebkeve efvecveevegmeej efkeee ieee nw.

i) owefveke yeepeej-cetue - peneb DeefYeefeef vnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue hej Debef kele keer ieF& nQ, heefjCeeceer ueeKeeles ceW efueee ieee nw.

ii) peneb DeefYeefeefvnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue hej Debefkele vener keer ieF& nQ Gve ceeceueeW ceW, yeepe oj mJewhe, poseleeDeesb kee efJeeere neefve mes yeeeJe kejles nQ, GvnW Gheefele DeeOeej hej uesKeeiele efkeee ieee nw.

iii) mJewhe meceeefhle hej ngS ueeYe DeLeJee neefve kees mJewhe kes Mes


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7. kece&eejer - ueeYe :

7.1 ie@egFer SJeb heWMeve efveefOeeeW ceW Jeeef


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Devegmeteer 18 : uesKeeW mes mecyebefOele efhheefCeeeb

es efJeeere heefjCeece, peesefke efveosMeke ceb[ue eje efoveebke 6 ceF&, 2011 kees Deveg ceesefole SJeb uesKee hejer#ekeeW eje DeefOeeceeefCele efkees ief oveebke 24 ceee&, 2011 kees Keg uee Lee SJeb efoveebke 7 Deewue, 2011 kees yebo ngDee Lee, kes Deeyebefle MesejeW kes efueS emleeef Jele ueeYeeefJeefveeespeve keer Jepen mes FveceW heefjJele&ve ngDee nw. efoveebke 19 Deewue, 2011 kees mecehe DeeOeej hej Fvekee Deeyebve ngDee nw, Fme heefjceW en eYeeJe ngDee nw efke FefkeJeer hetbpeer hej emleeefJele ueeYeebMe` 36.37 kejes[ mes SJeb ueeYeebMe kej` 5.90 kejes[ mes ye{ ieee nw. eejef#ele efveefOe` 42.27 kejes[ mes kece nes ieeer nw.

1.1 hetbpeer:

yeQke keer DeefOeke=le hetbpeer`3000 kejes[ nw.

Yeejle mejkeej kees ` 250 kejes[ kes yesceereeoer Demebeeer DeefOeceeveer Mesej (heerSvemeerheerSme) peejer kej yeQke keer eoe-hetbpeer` 177kejes[ leke ye{eeer ieF&.

Je


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6. efveJesMe :

6.1 yeQke kes mekeue efveJesMeeW kees efvecveevegmeej leerve esefCeeeW ceW Jeieer&ke=le efkeee ieee nw :

efoveebke 31.3.2011 kee s

heefjhekeJelee leke Oeeefjle 65.36%

t mebJeie& kes 2.12% kees es[kej (iele Je


60/232

ece mebKee ceoW 31.03.20

4. Yeejle mejkeej keer FefkeJeer Mesej Oeeefjlee kee eefleMele 80.20

5. Je


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(ii) jhee ueve-ove

Je


62/232

[e. [e jJeeJpe

(i) Jeeeoe oj mecePeewlee / yeepe oj mJew

ceoW 31.3i) mJewhe kejejeW kee Deevegceeefveke cetueOeve 8

ii) kejejeW kes Debleie&le eefo eefle heeer& Deheveer yeeOeleeSb hetjer veneR kejleer nw lees Fme meboYe& ceWnesves Jeeueer neefve.

iii) mJewhe ceW Meeefceue nesves kes efueS yeQke eje Jeebefle mebheeefe& ke eefleYetefle

iv) mJewhe mes GlheVe $e+Ce peesefKece kee keWerkejCe- efJeosMeer yeQke 7

- IejsuetyeQke 1v) mJewhe yener kee Gefele cetue (-)

(ii) Mesej yeepeej ceW Kejeroer/yeseer ieF&yeepe oj [sefjJeserJpe :

ece mebKee efJeJejCei) Je


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ceeepeve Keele kee oeveke DeeOeej hej pecee/veece kejle ngS SceeSce ueeYe/neeve kee ueKee peeKee ekeee peelee n lefueS yeQke kes ueeYe SJeb neefve Keeles ceW uesKeeiele efkeee peelee nw.

Jeeheeefjke mJewhe kees Lees[s-Lees[s DeblejeueeW ceW yeepeej cetue keer efmLeefle kes Devegmeej Debefkele efkeee peelee nw. keesF& YeerleLee ueeYe, eefo keesF& nw, hej Oeeve veneR jKee peelee nw.

mJewhe kes Kelce nesves hej ueeYe DeLeJee neefve kees Ghee&ge Meer


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(ii) eg e ee"le Keelee e e e ej e

meer[erDeejeCeeueer

SmeS$e+Ce hegveie&

hegveie&ef"le ceeveke Deefiece GOeejkelee&Deesb keer mebKee 1

yekeeee jeefMe 37.79 27

DeefOeleeie jeefMe 8.52 1

hegveie&ef"le DeJeceeveke Deefiece GOeejkelee&Deesb keer mebKee -

yekeeee jeefMe -

DeefOeleeie jeefMe -

hegveie&ef"le mebefoiOe Deefiece GOeejkelee&Deesb keer mebKee -

yekeeee jeefMe -

DeefOeleeie jeefMe -

kegue GOeejkelee&Deesb keer mebKee 1

yekeeee jeefMe 37.79 27

DeefOeleeie jeefMe 8.52 1

`1.00 kejes[ mes kece keer Mes


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F

ceoW 31.3.2

1 KeeleeW keer mebKee 54

2 keg ue yekeeee 525

3 eehle kegue eefleHeue 295

(v) ceeveke Deeef mleeeW kes efueS efkeee ieee eeJeOeeve

ceoW 31.3.2

ceeveke DeeefmleeeW nsleg eeJeOeeve 521.00

She. JeeJemeeef eke Devegheele

ceoW 2010

(i) keee&Meerue efveefOeeeW kes eefleMele kes he ceW yeepe Deee* 8

(ii) keee&Meerue efveefOeeeW kes eefleMele kes he ceW iewj-yeepe Deee* 0

(iii) keee&Meerue efveefOeeeW kes eefleMele kes he ceW heefjeeueve ueeYe* 1

(iv) DeeefmleeeW hej eefleHeue** 0

(v) eefle kece& eejer JeJemeee*** (pecee+ Deefiece) (` ueeKe ceW) 835

(vi) eefle kece&eejer ueeYe (` ueeKe ceW) 3

*keee&Meerue efveefOe ceW efJeeere Je


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(i) mLeeJej mecheoe #es$e mecyebOeer Skemeheespej

esCeer 31.3.2S) ele#e efveJesMe

(i) DeeJeemeere ceeiexpe -DeeJeemeer e mecheef e hej yebOeke kes eje $e+Ce hetjer lejn mes jef#ele nw, DeLee&le ee lees

GOeejkelee& eje keypes ceW nw DeLeJee efkejees hej nw :(Ghee& gkele ceW Meeefceue Jeefeiele DeeJeeme $e+Ce eeLeefcekelee #es$e ceW Meeefceue kejves kes efueS

hee$e nw)

8128

(7361

(ii) JeeefCeefpeke mLeeJej mebheoe - 8384(iii) cee@iexped DeeOeeefjle eefleYetefleeeb (SceyeerSme) SJeb Deve eefleYetefleke= le SkemeheespejeW ceW efveJesMe

DeeJeemeereJeeefCeefpeke mLeeJej mebheoe.

30

yeer) Deele#e efveJesMe

(i) je^er e DeeJeeme yeQ ke (SveSeyeer) SJeb DeeJeeme efJee kebheefveeeW (SeSHemeer) ceW efveefOeDeeOeeefjle SJeb iewj-efveefOe DeeOeeefjle efveJesMe.

(ii) Deve667167

eesie 17350

(ii) hetbpeer yeepeej Skemeheespej

ceoW 31.3.2

i) FefkeJeer MesejeW, heefjJele&veer e ef [yeWejeW SJeb FefkeJeer Gvceg Ke cetegDeue Heb [ keer etef veeW ceWele#e efveJesMe efpevekeer cetue efveefOe kesJeue kee@heexjs $e+Ce ceW efveJesMe veneR keer ieF& nes. 773

ii) JeweefekeeW kees Mesej/yee@C[/ef[yeWej DeLeJee Deve eefleYetefleeeW kes mece#e DeLeJee iewj-eefleYetefle

DeeOeej hej (DeeF&heerDees/F&SmeDees heer meefnle), heefjJele&veer e ef [yeWejeW SJeb cetegDeue Heb [ keerFefkeJeer GvcegKe FkeeFeeW ceW efveJesMe nslegDeefiece. 6

iii) efkemeer Yeer Deve eeespeve nslegDeefiece efpeveceW Mesej DeLeJee heefjJele&veere yee@C[ DeLeJee heefjJele&veereef[yeWej DeLeJee FefkeJeer GvcegKe cet egDeue Heb[ kes etefveeW kees eeLeefceke eefleYetefle kes he ceWefueee ieee nw.

(iv) Deve eeespeve kes efueS MesejeW DeLeJee heefjJele& veere yee@C[ DeLeJee heefjJele&veer e ef[yeWejeW DeLeJee FefkeJeer Gvceg Ke cetegDeue Heb[ keer etefveeW keer meercee leke jef#ele Deef iece DeLee&le peneb hej MesejeW/heefjJele& veere yee@C[/heefjJele&veere ef[yeWejeW/Fefke Je GvcegKe cetegDeue Heb [ keer etefveDeefieceeW kees hetjer lejn jef#ele veneR kejleer nQ. 1286

(v) me@ke-yeeskejeW kees eefleYetle leLee DeeefleYet le Deefiece leLee me@ke-yeeskejeW SJeb ieewCe yeepeej kesecegKe keer Deesj mes peejer ieejbefeeb. 119

vi) kee@heexjs kees MesejeW/yee@C[eW/ef[yeWejeW DeLeJee Deve eefleYetefleeeW kes mece#e DeLeJee yespeceeveleerDeeOeej hej eJele&keeW kes YeeJeer mebmeeOeveeW keer eleeMee kes lenle Gvekes FefkeJeer DebMeoeve kees hetje

s s f r

J

(iii) peesefKece esCeerJeej osMeere Skemeheespej :


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peesefKece esCeer ef oveebke 31 ceee&, 2011

kees efveJesMe (Meg)

efoveebke 31 ceee&, 2011

kees Oeeefjle eeJeOeeve

efoveebke 31 ceee&, 2010

kees Skemeheespej (Meg)Deeeespe 1541.24 ef vejbke 685.91

efvecve 479.61 efvejbke 511.50

ceOece 250.12 ef vejbke 76.61

Ge 6.93 efvejbke 29.93

DeleefOeke 38.36 efvejbke 13.16

meerefcele 0.31 efvejbke 0.00$e+Ceslej 0.00 efvejbke 0.00

eesie 2316.57 efvejbke 1317.11

etbefke Je


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(S) yeerme ye[s GOeejkelee&Deesb kee kegue Deefiece

(yeer) yeerme ye[s GOeejkelee&Deesb kes kegue Deefiece kee yeQke kes kegue Deefiece ceW eefleMele

11.3 Skemeheespej kee kesverkejCe

(S) yeerme ye[s GOeejkelee&Deesb/ieenkeeW kee kegue Skemeheespej

(yeer) yeerme ye[s GOeejkelee&Deesb/ieenkeeW kes kegue Skemeheespej kee yeQke kes kegue Skemeheespej ceW eefleMele

11.4 SveheerS kee kesverkejCe

(S) Meer


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12 S Jele&ceeve Je


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efoveebke 31 ceee&, 2011 kees Gefele cetue hej eespevee Deeefmleeeb

efJeJejCe ef oveebke 31 ceee&, 2011 keesmeceehle Je


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ecemebKee

efJeJejCe efoveebke 31.03.11kees meceehle Je


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Meee eue ene ekeS eS n.

iv) Deve yeQefkebie Keb[ ceW Jes meYeer Deve yeQefkebie heefjeeueve Meeefceue nQ, pees Ghee& ge leerveeW esefCeeeW ceW Meeefceue veneR nQ.v) meeceeve yeQefkeie heefjeeueve ecegKe mebmeeOeve mebienCe FkeeF& nw leLee ^spejer Keb[, eege Deewmele Heb[ kees ieCevee ceW uesles ng

efueS hetjke kee keee& kejlee nw.

vii) ueeiele kee Deeyebve :

S Ske efJeefMe Keb[ mes mebyebefOele Keex meer Oes Gme Keb[ kees Deeyebefle efkeS peeles nQ.

yeer Ske efJeefMe Keb[ mes meerOes mecyebOe ve jKeves Jeeues Keees kees efveeesefpele Heb[ ceW meceevegheele he ceW Deeyebefle efkeee

meer) uesKee ceeveke 18 kes Devegmeej mebyeOo heeer&ekeerkejCe - mecyeOo heeer&

1. mecyeOo heeef &eeW keer meteer:

(S) ecegKe eyebOekeere heoeefOekeejer

veece heoveece

i) eer Sme.eerOej DeOe#e SJeb eyebOe efveosMeke

ii) megeer Jeer.Deej.Deej keee&heeueke efveosMeke

iii) eer Deej.kes.ogyes keee&heeueke efveosMeke

iv) eer jeceveeLe eoerhe keee&heeueke efveosMeke (Deiemle 2010 leke)

v) eer DeCe keewue keee&heeueke efveosMeke (Deiemle 2010 leke )

(yeer) Deveg


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ece

mebKee

mecyeOo heee ee evecve

efoveebke kees

eveJeMe $e+Ce Deeemleee kee Kejeo $e+Ce Deeemleee kee

efyeeer

#e.iee.ye.kee $e+Ce

JeJemLee

DeeF&yeer

mebeeer Je


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yeke kee Deeemle ee kee Ske ye[e ee e Je eJeee e Deeemle ee n, epe n Deeemle ee ej nee e kee ueKeeke e ee eke 28 uee et ene n

31 ceee&, 2011 kees efJeeere DeeefmleeeW kes DeueeJee Deve DeeefmleeeW hej keesF& ye[er neefve heefjueef#ele veneR ngF& nw. efpemes ceev(SHe) eeJeOeeveeW, Deekeefmceke oseleeDeesb SJeb Deekeefmceke DeeefmleeeWb hej - uesKeebkeve ceeveke 29

i) eeJeOeeve ceW keceer/ye{esejer :

efJeJejCe efoveebke 01.04.2010kees eejbefYeke Mes


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31.03.2011

S) Je


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e.meb. efJeJejCe ef oveebke 31.03.2011

S Heefjeeueve ieefleefJeefOeeeW mes vekeo HeJeen

kej mes HetJe& Meg ueeYe 1,627.18

I efvecve kes efueS meceeeespeve:

Deeue DeeefmleeeW Hej cetueeme 118.69

efveJesMe Hej cetueeme (HeefjHeJeJe ef[yeWejeW meefnle) 150.98

yes Keeles [eues ieS DeMeesOe $e+Ce/ iewj efve


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[e vekeoe SJe vekeoelegue ce Meg Je=e (S+ yee+ mee) DeLeJee (SHe - F) (3,934.21)

F& Je


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1. meYeeeJele eeepe #e$e

iegCeelceke ekeerkejCe

(S) cetue yeQke : meW^ue yeQke Dee@@He Fbef[ee

Fme Meer ceW meW^ue yeQke Dee@ @He Fbef[ee kee ekeerkejCe Skeue DeeOeej kes he ces nw.

(yeer) mecesefkele KeeleeW ceW, yeQke keer Deveg


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t


S) Mesej hetbpeer

efoveebke 31 ceee& 2011 ceW yeQke keer DeefOeke= le hetbpeer `3000.00 kejes[ nw, yeQ ke eje peejer, DeefYeolle leLee eoe DebMehetbpeer` 404` 10/- keer jeefMe kes 404141460 DebMe Meeefceue nQ.

efoveebke 31 ceee& 2011 keer efmLeefle ceW Ge ceW mes 80.20% DebMeOeeefjlee Yeejle mejkeej kes DeOeerve nw efpemeceW kegue 324141500 DebMe

2.1 $e+Ce hetbpeer efueKele

2.2.1 ef ejI hetbpeer kee efJeJejCe

efej 1 hetbpeer peejer efleef Le DeJeef Oeceen ceW

eefleosekeerefleefLe

jeefMe(kejes[ ceW)

yeepe oj

DeeF&heer[erDeeF& 30.03.2009 hejhesegDeue hejhesegDeue 583.00 mejkeejer eefleYetefle + 25hegvece&tueebef kele, ceee& ceW efJeeerefueS yeepe oj 10.44%nw

heerSvemeerheerSme 26.11.2006 hejhesegDeue hejhesegDeue 800.00 jshees+100 yeerheer Sme eefleJe


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meerjer ]pe peejer efleefLe eef leose keer efleefLe jeefMe (`

kejes[ ceW)IX 08.10.2004 08.06.2014 200.00

X 28.03.2006 28.06.2015 578.00

XI 04.10.2006 04.10.2016 700.00

XII 03.03.2008 03.05.2017 389.00

ueesDej efej II (Sr- XIII) 10.02.2009 10.04.2018 270.00

eesie 2137.30

heefjceeCeelceke ekeerkejCe

yeer) efejI hetbpeer

efvecve kes Deueie ekeerkejCe kes meeLe

eoe Mesej hetbpeer

Deejef#ele efveefOeeeb

veJeesvces


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iegCeelceke HekeerkejCe

(S) Jele&ceeve leLee YeeJeer ieefleefJeefOeeeW kees mebeeefuele kejves kes efueS yeQke keer Hetbpeer Heee&Hlelee kes ef veOee&jCe nslegyeQke kes o=ef


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yeke ce Deye Skeeke=le peeeKece eyeOeve eCeeuee megJeJeemLele n. eveoMeke ce[ue kee Ske meeceele yeke ke eJeeJeOe peeeKece ke Deleiele pkeee&eCeeueer kee efveeefcele he mes DeJeueeskeve kejleer nw pewmes $e+Ce, heefjeeueve, yeepeej Deeefo, yeQke ves eleske peesefKece kes mecePeewles kesefpemeceW DeOe#e SJeb eyebOe efveosMeke/keee&heeueke efveosMeke kees erce ceW Meeefceue kejles nges Deueie meefceefle kee ie"ve efkeee ieee pewmes Dmeefceefle, $e+Ceveerefle meefceefle, heefjeeueve peesefKece meefceefle. Fve meefceefleeeW eje efJeefYeVe yeQefkebie heefjeeueve kes Debleie&le peesefKece mlej kee efkejves nsleg efveeefcele yew"keW keer peeleer nQ leLee peneb DeeJeMeke nes, Jeneb peesefKece kece kejves nsleg Gefele Gheee efkees peeles nw.

kesvere keeee&uee mlej hej peesefKece eyebOeve efJeYeeie kes Meer


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$e+Ce peesefKece

efheues ose leLee Devepe&ke keer heefjYee


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(S) kegue mekeue $e+Ce SkemeHeespej :efveefOe DeeOeeefjle :iewj-efveefOe DeeOeeefjle :

(yeer) SkemeHeespej kee Yeewieesefueke mebefJelejCe : efJeosMeer

Iejsuet

efveefOe

(meer) SkemeHeespej kee GeesieJeej mebefJelejCe :keeseueeKeoeveueesne SJeb merueDeve Oeeleg SJeb Oeeleg-GlHeeomeYeer Hekeej kes FbpeerefveeeEjieefJeeglemetleer Jeeeseesie

pet JeeeseesieDeve JeeeseesieMekekejeeeKeee HemebmkejCe

JevemHeefle lesue SJeb JevemHeeflelecyeeket SJeb lecyeeket-GlHeeo keeiepe SJeb keeiepe-GlHeeojye[ SJeb jye[-GlHeeokesefcekeue, [eF& SJeb HesvmeerceWece[e SJeb ece[e-GlHeeojlve SJeb mJeCe&-DeeYet


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DeJeceeveke mebefoiOe neefve

(SHe)efveJeue Devepe&ke Deeefmleeeb (SveHeerS)

(peer) Devepe&ke DeeefmleeeW (SveHeerS) kee DevegHeele mekeue DeefieceeW keer leguevee ceW mekeue Devepe& ke Deeefmleeeb

efveJeue DeefieceeW keer leguevee ceW efveJeue Devepe&ke Deeefmleeeb

(Se)Devepe&ke DeeefmleeeW (mekeue) ceW HeefjJele&ve HeejefcYeke Mes


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(ke) Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej $e+Ce peesefKece kes efueS Hetbpeer-HeYeej keer ieCevee nsleg yeQke ves ceevekeerke=le ef


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iegCeelceke HekeerkejCe :

efvejbke

HeefjceeCeelceke HekeerkejCe

yeQeEkeie yener

([er) yeQke eje eefleYeteflele SkemeHeespej keer kegue jeefMe.(F&) Jele&ceeve DeJeefOe kes oewjeve, yeQke eje Skemeheespej (GoenjCeeLe& esef[ kee[&, DeeJeeme $e+Ce, Dee@es $e+Ce Fleeefo kees HetJee&efOekeej

HeefleYetefle eje yeesjsJeej) kes ceeOece mes DeefYeefeefvnle HeefleYeteflele neefveeeW kes SkemeHeespej kes efueS.

(SHe) Je


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yeQke kes Heeme megmHe


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Heefjeeueve peesefKece, neefveeeW keer peesefKece nw, pees Deebleefjke Heef eee, JeefkeleeeW leLee HeCeeueer keer DeHeee& Hlelee DeLeJee DemeHeuelee DeHeefjCeecemJeHe Heke nesleer nw. Heefjeeueve peesefKece ceW keevetveer peesefKece Meeefceue neslee nw, HejvlegFmeceW DeHesef#ele peesefKece leLee Heefle


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eelemesvue yeQke Dee@@He Fbef[]ee kee efveosMeke ceb[ue

1. nceves efoveebke 31 ceee&, 2011 kees meceehle Je


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ke=les ces. meeiej SC[ DemeesefMeSmemeveoer uesKeekeej

SHe.Deej.veb.003510Sme

ke=les ces.peer.Sme.S. DemeesefMeSmemeveoer uesKeekeej

SHe.Deej.veb.000257Sve

ke=lesces. [er. jbieemmeveoer u

SHe.Deej.veb.

(meerS efJeeemeeiej yeeyet)Yeeieeroej

meomelee meb .27357

(meerS megveerue DeieJeeue)Yeeieeroej

meomelee meb.83899

(meerS peveveerYeeie r

meomelee ke=les ces. kes.Sme. Deej SC[ kebheveer

meveoer uesKeekeejSHe.Deej.veb.100186[yuet

ke=les efIeee SC[ kebheveermeveoer uesKeekeej

SHe.Deej.veb.1088meer

ke=les ces. mewcemebo Smeveoer u

SHe.Deej.veb

(meerS jIegJeerj Sce. Deej)Yeeieeroej

meomelee meb .32128

(meerS mebpee efIeee)Yeeieeroej

meomelee meb.072467

(meerS efceuevYeeie r

meomelee m

mLeeve : cegbyeF&eqoveebke : 30 ceF&, 2011

iii. en meceekele vekeo eJeen eJelejCe meyeeOele Je


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De egmetee meKee eo eeke 31 ceee,2011 kees

`

Hetbpeer SJeb oseleeSbHetbpeer 1 2021,14,15Mesej DeeJesove jeefMe 2025,68,36Deejef#ele efveefOeeeb SJeb DeefOeMes


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me ee e e me ee le e e`

I. DeeeDeefpe&le yeepe SJeb ueeYeebMe 13 15274,16,10Deve Deee 14 1239,49,06

kegue 16513,65,16II. Jee

Heoe yeepe 15 9897,56,60 Heefjeeueve Jee 16 4004,92,19He eJeOeeve SJeb DeekeefmcekeleeSb 1343,31,80

kegue 15245,80,59III. ueeYe / neefveJe


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2011 kees` `

Devegmeteer 1 : Hetbpeer

eeefOeke=le Hetbpeer 3000,00,00

efveie&efcele, DeefYeoe SJeb Heoe Hetbpeer : 404,14,15 404,

`10 Heefle Mesej kes 4041,41,460 FefkeJeer Meseme&

(kesv mejkeej eje Oeeefjle 3241,41,460 Meseme& meefnle)DeefOeceeveer Mesej Hetbpeer yesef ceeeoer Demebeeer 1617,00,00 2021,14,15 1367,0

eesie 2021,14,15

Devegmeteer 2 : Deejef#ele efveefOeeeb SJeb DeefOeMes


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2011 kee` `

Devegmeteer 2 S : ceeevee@efjer efnle

efpeme efoveebke kees cetue/Deveg


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2011 kee` `

Devegmeteer 5 : Deve oseleeSb SJeb HeeJeOeeve

I. ose efyeue 344,02,30 448,4

II. Deblej keeee&uee meceeeespeve (Meg) 0

III. GHeefele yeepe 928,66,41 727,3

IV DeemLeefiele kej oseleeSb 146,49,18 308,0V. Deve (HeeJeOeeve meefnle) 5260,18,56 6679,36,45 4070,0

eesie 6679,36,45

Devegmeteer 6 : Yeejleere efj]peJe&yeQke ceW vekeoer SJeb Mes


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2011 kee` `

Devegmeteer 8 : efveJesMeI. Yeejle ceW efveJesMe : *

i) mejkeejer HeefleYetefleeeW ceW 47761,96,17 44848,9ii) Deve Devegceesefole HeefleYetefleeeW ceW 84,36,82 130,5iii) Meseme& ceW 808,06,75 599,3

iv) ef[yeWeme& SJeb yee@C[dme ceW 3526,80,08 2830,8v) DemeesefMeSdme ceW efveJesMe 287,15,64 387,3vi) Deve (eterDeeF& Meseme& SJeb keceefMe&eue, cegegDeue HeC[

etefve Deeefo) 2079,99,68 1908,554548,35,14

II. Yeejle kes yeenj efveJesMe**i) mejkeejer HeefleYetefleeeW ceW b ii) DemeesefMeSdme ceW efveJesMe 31,86,13 34,3

31,86,13eesie 54580,21,27* Yeejle ceW efveJesMe :

mekeue cetue ceW efveJesMe 54890,94,71 52151,0IeeSb : cetueeme nsleg HeeJeOeeve 342,59,57 1445,4

Meg efveJesMe 54548,35,14** Yeejle kes yeenj efveJesMe :

mekeue cetue ceW efveJesMe 31,86,13 34,3IeeSb : cetueeme ns leg HeeJeOeeve

Meg efveJesMe 31,86,13eesie 54580,21,27

Devegmeteer 9 : $e+Ce SJeb DeefieceS. i) Kejeros ieS SJeb YegveeS ieS efyeue 1937,60,90 1340,0

ii) vekeoer $e+Ce, DeesJej[eHe SJeb ceebie Hej Heefleose $e+Ce 37941,65,76 31766,2iii) ceereeoer $e+Ce 89961,30,72 129840,57,38 72356,

eesie 1298405738yeer. DeefieceeW kes efJeJejCe :

i) cetle& DeeefmleeeW eje jef#ele 95519,60,35 81086,(yener $e+Ce kes mece#e Deefiece meefnle)

ii) yeQke/mejkeejer ieejber eje jef#ele 9493,78,69 5760,6iii) Dejef#ele 24827,18,34 129840,57,38 18615,7

s


efoveebke 31 ceee&,

efoveebke 31 ceee&, 2011 kees mecesefkele legueve He$e keer Devegmetefeeeb


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,2011 kees

` `

Devegmeteer 10 : Deeue DeeefmleeebI. Heefjmej

(ueeiele/Hegvecet &ueve ueeiele Hej)efHeues Je


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meceeHle Je


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leeel e e enuegDee me, eejle e mee ee elee m ee e= le ueKee e e emeelee (peeSS ee) e De eg e n, pee uee etmeee eee e ee e(DeejyeerDeeF&) eje efJeefveefo& ef Jeefveeeceke ceeveob[eW, uesKeebkeve ceevekeeW (SSme) leLee Fbmeret Dee@he ee&[& DekeeGvdme Dee@he

peejer GoIees


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iii) e ee e e eueS G euey e

Jes efveJesMe pees Ghee&ge esefCeeeW ceW Jeieer&ke=le veneR efkeS pee mekeles nQ.

3.3 esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe :

efveJesMeeW keer leerve esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe/yeoueeJe Deb lejCe keer leejerKe hej DeefOeienCe ueeiele/yener cetue leLee kece nw, hej uesKeeiele efkeee peelee nw. Ssmes DeblejCe hej cetueeme, eefo keesF& nes, lees Gmekee hetCe&leee eeJeOeeve efkeee peelee nw.

3.4 cetueebkeve :

i) heefjhekeJelee leke Oeeef jle :Fme esCeer kes Debleie&le Jeieer &ke=le efveJesMe kees DeefOeienCe ueeiele hej cetueebefkele efkeee peelee nw. Debefkele cetue mes DeefOeke DeefOeDeeefOekee Mes


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n n F n j j t t [ gm j S S MeeJeOeeve efkeee ieee nw. Deefiece keer eke=efle kes ef[yeWej/yee@C[, DeefieceeW hej ueeiet meeceeve efJeJeskehetCe& ceeveob[eW kes DeOeerve j

iii) eefo yeQke kees ose yeepe SJeb/DeLeJee cetue Oeve ee Deve keesF& jeefMe 90 efove mes DeefOeke keer DeJeefOe kes efueS Deefleose jnlieejberke=le $e+Ce peesefKece kees DeJeceeveke/mebefoiOe/neefve kes he ceW, pewmee Yeer ceeceuee nes, Jeieer&ke=le efkeee ieee nw leLee efJeJeskeDeeJeMeke eeJeOeeve efkees ieS nQ.

iv) eefleYetefleeeW keer Kejero hej eehle oueeueer, eeslmeenve jeefMe, $e+Ce mebyebOeer eejbefYeke Meguke Deeefo kees efveJesMeeW keer ueeiele ceW

v) eefleYetefleeeW kes DeefOeienCe kes mecee efkeS ieS Keees pewmes oueeueer, Heerme, keceerMeve ee kejeW kees Deee ceW eYeeefjle efkeee vi) eefleYetefleeeW kes ee ee efyeeer hej Kebef[le DeJeefOe kee yeepe, Deee ceo ceevee ieee nw.

4. [sefjJesefJpe

efJeeere neefve mes yeeeJe-JeJemLee kes efueS eege [sefjJesefJpe kees efvecveevegmeej uesKeebkeve efkeee ieee nw.

i) owefveke yeepeej-cetue - peneb DeefYeefeef vnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue hej Debef kele keer ieF& nQ, heefjCeeceer ueeKeeles ceW efueee ieee nw.

ii) peneb DeefYeefeef vnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue hej Debefkele vener keer ieF& nQ Gve ceeceueeW ceW, yeepe oj mJewhe, p

oseleeDeesb kee efJeeere neefve mes yeeeJe kejles nQ, GvnW Gheefele DeeOeej hej uesKeeiele efkeee ieee nw.iii) mJewhe meceeefhle hej ngS ueeYe DeLeJee neefve kees mJewhe kes Mes


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6.5 peneb hej Yetefce Je heefjmej kes cetue kees Deueie-Deueie kejvee mebYeJe veneR nw, Jeneb meefcceefele ueeiele hej cetueeme ueieeee ieee nw

7. kece&eejer - ueeYe :

7.1 ie@egFer SJeb heWMeve efveefOeeeW ceW Jeeef


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n, Fveke eJeJejCe evecveJele n :

Deveg


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3.4 Mesej efveie&ce kes Kee& :

Mesej efveie&ce Keees keer ` 6.72 kejes[ keer DeheefjMeesefOele jeefMe Deve DeeefmleeeW ceW Meeefceue keer ieF& nw.

3.5 heefjmej :

efoveebke 31.03.2008 kees yeepeej cetue oMee&ves kes efueS yeQke kes heefjmejeW kee hegvece& tueebkeve efJeeere Je


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efJeJejCe efoveebke 31 ceee&, 2011 keesmeceehle Je


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y eepe oj 8% 8% 8%

Jesleve Je=ef oj 4% 4% 4%

eespevee DeeefmleeeW hej eefleHeue keer Devegceeefvele oj 8% 8% 8%

2. Deveg


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meKee me yeOo eeeee efoveeke kees DeeOekele e Deeemleee

yekeeeejeefMe

1meleheg [e vece&oe #es $eere ieeceerCe

yeQke, efboJee[e, ceOeeosMe

31.03.11 27.64 27.64 0.00 6.63 0.00 0 .00 200.23 5.67 150.00

31.03.10 27.64 27.64 200.00 7.79 0.00 0 .00 200.00 0.59 0.00 2

mejieg pee #es$eer e ieeceer Ce yeQke,Debefyekeehegj, (lleermeie{)

31.03.11 2.57 2.57 0.00 0.00 0.00 0.00 0.00 0.00 45.00 31.03.10 2.57 2.57 45.00 0.12 45.00 0.12 0.00 0.00 0.00

3 Gej ef yenej #es $eere ie eceerCe yeQke,cegpeHeHejhegj, (efyenej)

31.03.11 159.09 159.09 0.00 13.44 0.00 0.00 326.11 2.74 850.0031.03.10 159.09 159.09 500.00 36.10 0.00 0.00 200.00 0.40 0.00

4efJeoYe& #es$eer e ieeceer Ce yeQke,Dekeesuee (ceneje)

31.03.11 6.22 6.22 0.00 0.00 0.00 0.00 50.00 0.10 100.00 31.03.10 6.22 6.22 47.35 3.25 0.00 0.00 50.00 0.03 0.00

5yeef ueee-FeJee #es$eer e ieeceerCe

yeQke, yeefueee, (GejeosMe)

31.03.11 11.72 11.72 0.00 0.00 0.00 0.00 0.00 0.00 110.00

31.03.10 11.72 11.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6ne[ewleer #es$eere ieeceerCe yeQke, keese(jepemLeeve)

31.03.11 2.45 2.45 0.00 0.00 0.00 0.00 0.00 0.00 160.0031.03.10 2.45 2.45 1 32.71 4.62 70.00 0.11 0.00 0.00 0.00

7Gejyeb ie #es $eere ie eceerCe yeQke,efmeueerieg[er (heefece yebieeue)

31.03.11 20.58 20.58 0.00 0.00 0.00 0.00 0.00 0.00 25.00 31.03.10 20.58 20.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00

keggue31.03.11 230.27 230.27 0.00 20.07 0.00 0.00 576.34 8.51 1440.00 31.03.10 230.27 230.27 925.06 51.88 115.00 0.23 450.00 1.02 0.00

4.3 uesKeebkeve ceeveke 22 - Deee hej kej kee uesKeebkeve (cetue yeQke) yeQke ves DeemLeefiele kej Deeefmleeeb / oseleeSb DeefYeefeefvnle keer nw

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Chairman & Managing DirectMessage


116/232

Dear Shareholder,

I am delighted to present the Annual Report for the year ended 31st March, 201

During the year, the nascent global recovery came under increasing pressure fr

commodity prices. This was further accentuated by the sovereign balance sh

Euro Zone. Global inflation resurfaced as a result of the transmission of risin

commodity prices and spillover from past food and some wage price inflation

core inflation remained subdued in most advanced economies which contin

accommodative monetary policies vis--vis anti-inflationary monetary policy

EMEs.

In India, headline inflation exhibited strong presence and remained above the c

through the year. The food inflation spilled over to the manufacturing sector f

2010 as producers were able to pass on cost escalation amidst strong demand. A

concerns resulted in tight monetary policy stance of the Reserve Bank of Ind

Annual R

110320131272

162107

107118

179356

131407

8674074287

184607 (Gr.35.48%)

218012 (Gr.18.10%)

269225 (Gr.23.5%)

310763 (Gr.15.43%)

100000

150000

200000

250000

300000

350000


117/232

As a result of effective business strategies, the Bank was able to bring down cost of funds from

6.8 per cent in March 2009 to 5.82 per cent in March, 2011. During this period, our Net Interest

Income recorded growth of over 109 per cent and the Net Interest Margin - which was below

2 per cent in the past - improved to 3.31 per cent. Despite providing for increased pension and

other liabilities, our net profit in March 2011 was at` 1252 crore.

Our Brand received a boost as a result of various high profile brand building efforts and

culminated in the Banker magazine (UK) recognizing us as one of the Top 500 banks worldwide.

Our investors reaffirmed their confidence, when the Rights Issue amounting to ` 2497 crore

was oversubscribed. This shall augment our Tier I Capital and enable us to meet increased

credit requirement of the economy. Factoring in the proceeds of the Rights Issue, which closed

in April 2011, our CRAR in March 2011 would have been 13.57 per cent.

I shall be laying down office on superannuation on May 31st

, 2011. It has been a great honourand privilege to lead one of the largest Public Sector Banks- particularly in its centenary year.

At the commencement of my tenure in March 2009, I had set out to achieve enhanced value

for all the stakeholders in the Bank, which I hope has been redeemed in some measure. This

0

DEPOSITS

2007.08 2008-09 2009-10 2010-11

ADVANCES TOTAL BUSINESS

50000

GROWTH OF PROFIT DURING 2008-2011 (` in crore)

OPERATING PROFIT NET PROFIT

12681437

2058

2591

1252

1058

571550

0

500

1000

1500

2000

25000

3000

2007.08 2008-09 2009-10 20010-11

Central Bank of IndiaHead Office, Chandermukhi Nariman Point, Mumbai - 400021

NOTICE


118/232

Head Office, Chandermukhi, Nariman Point, Mumbai 400 021

NOTICE

Notice is hereby given that the Fourth Annual General Meeting of the shareholders of Central Bank of India

29th July, 2011 at 3.00 P.M. at Sir Sorabji Pochkhanawala Bankers Training College, Near Cooper Hospital/Re

JVPD Scheme, Vile Parle (west), Mumbai, 400056 to transact the following business :

1. To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March 2011, Profit an

Bank for the year ended 31st March 2011, the report of the Board of Directors on the working and ac

the period covered by the accounts and the Auditors report on the Balance Sheet and Accounts.

2. To declare dividend for the financial year 2010-11.

BY ORDER OF THE BOA

A K DA

Place : Mumbai Assistant GenerDate : May 30, 2011 (Company Se

NOTES:

1. APPOINTMENT OF PROXY:

A SHAREHOLDER ELIGIBLE TO ATTEND AND VOTE, IS ENTITLED TO APPOINT A PROXY TO ATTEND AN

HIMSELF / HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE BANK.

The instrument appointing proxy should, however be deposited at the Head Office of the Bank situat

Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e. on

24th July, 2011.

2. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE :

No person shall be entitled to attend or vote at any meeting of the shareholders of Central Bank of India

representative of a company unless a copy of the resolution appointing him as a duly authorized repre

be a true copy by the chairman of the meeting at which it was passed, has been deposited at the He

situated at Chandermukhi, Nariman Point, Mumbai, 400021 not less than four days before the date fixeon or before 5.00 PM on 24th July, 2011.

3. No officer or employee of the Bank shall be appointed as Authorised Representative or proxy of

Annual R

2011 and to the shareholders holding shares in physical form as per the list provided by the Registrar

on the date of the Annual General Meeting of the Bank. Dividend Warrant shall be mailed within one m

the Meeting.

6. BANK MANDATE FOR DIVIDEND OR ELECTRONIC CLEARING SERVICE (ECS) :

With a view to protect shareholders from fraudulent encashment of warrants, shareholders are requ

bank account number, the name of the bank and the branch where they would like to deposit the d

encashment


119/232

encashment.

These particulars along with the name of the shareholder will be printed on the cheque portion of the

that these warrants cannot be encashed by anyone else.

The above mentioned details should be furnished by the first / sole shareholder directly to the Registr

/ DPs quoting the Folio No. or DP ID No. & Client ID No. and the number of shares held on or before 22

If shareholders choose not to submit any modification, the warrants will be printed based on bank ma

by the Registrar or data downloaded from NSDL / CDSL as on 22nd July, 2011 for Shareholders holding sh

form. This is applicable for all shareholders who have not submitted ECS mandate(s).

The Bank is also offering ECS Direct Credit facility for those shareholders who maintain accounts with Central

residing in specified cities. This facility could be used by the shareholder instead of the Bank Mandate system

of dividend. Shareholders are required to give details of their Account numbers and IFS Code No. of their ba

Mandate to facilitate the transfer of dividend to their designated account. For selected Centres, payment th

be effected wherever such facility is available.

7. UNCLAIMED DIVIDEND, IF ANY

The shareholders who have not encashed their Dividend Warrants / or have not received dividend fro

2009-2010 onwards are requested to contact the Registrar and Share Transfer Agent of the Bank for iss

Pursuant to the amendment of The Banking Companies (Acquisition and Transfer of Undertakings) A

provides that the amount of dividend remaining unpaid or unclaimed for a period of seven years from

the Unpaid Dividend Account is required to be transferred to the Investor Education and Protection F

by the Central Govt. under Section 205C of The Companies Act, 1956 and thereafter no claim for respect thereof either to the Bank or to the IEPF.

8. CHANGE OF ADDRESS AND DIVIDEND MANDATE:

In case of shareholders holding shares in physical form, they are requested to intimate to the Regist

Agent of the Bank any change in their address, dividend mandate and the particulars of the bank, bran

number which the shareholder desires to incorporate on the dividend warrant, before commencemen

at the following address:

Link Intime India Private LimitedUnit : Central Bank of India

C-13, Pannalal Silk Mills Compound

LBS M Bh d (W t)

9. RECEIVE DOCUMENTS THROUGH E-MAIL BY REGISTERING YOUR EMAIL ADDRESS

The Ministry of Corporate Affairs has taken a Green Initiative in the Corporate Governance vide its

dated April 21, 2011 and 18/2011 dated April 29, 2011 which enables the entity to effect electronic d

including the Notice of Annual General Meeting, audited financial statements, Directors Report, Auelectronic form, to the e-mail address which you have previously registered with your Depository Pa

valid e-mail address. Investors are requested to register/update their e-mail addresses immediately

Accounts so as to receive delivery of documents including Notice of AGM and Annual Report by e-mail

i h i l d H thi l ith th i t d f N ti f 4th AGM d A


120/232

same in physical mode. However this year, along with the printed copy of Notice of 4th AGM and A

financial year 2010-11 which is being dispatched to all shareholders, a soft copy of the abovesaid Noti

is also being sent by e-mail to all those shareholders whose e-mail addresses were available/registered

Effective September 1, 2011, the e-mail addresses indicated in your respective DP accounts whic

downloaded from NSDL/CDSL will be deemed to be your e-mail address for serving notices/documen

AGM and Annual Report. Shareholders holding shares in physical form desirous of availing electron

documents/notices are requested to immediately register/update their e-mail addresses with our R

Agents namely, Link Intime India Private Limited, C-13, Pannalal Silk Mills Compound, L.B.S. Ma

Mumbai 400 078 .

Please note that while every notice/document will be sent to the email address registered with the Ba

to receive any notice/document in physical form, please intimate by e-mail and the same shall be sen

address registered with the Bank/Depository.

10. REQUEST TO SHAREHOLDERS:Shareholders are requested to bring their copies of the Annual Report enclosed herewith.

BY ORDER OF THE BOA

A K DA

Place : Mumbai Assistant Gener

Date : May 30, 2011 (Company Se

Annual R

DIRECTORS REPORT 2010-11

To the Members,

Your Directors have pleasure in presenting the Banks Annual Report of the Bank along with the Audited stthe Profit and Loss accounts and the cash flow statement for the year ended March 31, 2011.

1. PERFORMANCE HIGHLIGHTS

Total Business of the Bank increased by ` 41538 crore to ` 310763 crore, registering y-o-y growth


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Total Business of the Bank increased by ` 41538 crore to ` 310763 crore, registering y o y growth

Total Deposits increased by ` 17249 crore to ` 179356 crore, registering y-o-y growth of 10.64 p

Gross Advance of the Bank grew by ` 24289 crore to ` 131407 crore, registering y-o-y growth of

Operating Profit increased by ` 533 crore to ` 2591 crore , registering y-o-y growth of 25.90 per

Net Profit increased by ` 194 crore to ` 1252 crore, registering y-o-y growth of 18.35 per cent.

Capital Adequacy Ratio (as per Basel-II) reduced to 11.64 per cent from 12.23 per cent in previous Net worth increased by ` 1181 crore to ` 6909.54 crore, registering y-o-y of 20.68 per cent.

Gross NPA of the Bank reduced by ` 64 crore to ` 2394 crore from ` 2458 crore in previous yea

Gross NPA reduced to 1.82 per cent from 2.29 per cent in last year.

Net NPA increased from ` 727 crore to ` 847 crore in previous year. Net NPA percentage reduced

0.69 per cent in previous year.

Net Interest Margin (NIM) stood at 3.31 per cent against 1.86 per cent in 2010.

Average Business per Employee increased to ` 835 lakh from ` 712 lakh in previous year.

Net Profit per Employee increased to ` 3.96 lakh from ` 3.30 lakh in March 2010.

Credit to Priority Sector increased to ` 41949 crore from ` 35393 crore in previous year, recording

per cent.

Agriculture Advance of the Bank grew by 8.08 per cent, contributing a share of 18.64 per cent in N

is above the RBIs norms of 18 per cent.

7387 beneficiaries were issued Cent Janata Credit Cards during the year.

11877 Self Help Groups formed during the year out of which 11159 groups were credit linked.

Advances to MSE grew by 27.73 per cent from ` 9317 crore in year 2010 to ` 11901 crore. Sixty

identified for focus attention for MSE finance.

1776 villages with the population over 2000 have been brought under Financial Inclusion Plan. Retail loans of the Bank grew by 26.29 per cent from ` 11190 crore (2010) to ` 14132 crore. The

Gross Advance was 10.75 per cent.

Education Loan grew by 31.18 per cent during the year and the total loan reached to ` 1548 cror

Housing Loan portfolio (up to ` 20 lakh) shown a growth of 14.41% and reached to ` 7001 crore.

E-stamping started in the states of Delhi, Karnataka and Tamil Nadu to provide stamping facility.

Electronic uploading of Central Civil Pension has been started.

Bank has been appointed as Registrar by the Unique Identification Authority of India for carrying

for issuance of Unique ID on pan India basis. Corporate Credit increased from ` 75616 crore to ` 93554 crore registering a growth of 23.72 per

Bank has opened 82 new branches during the year and having network of 3728 branches as on 3

All branches have been brought under CBS platform.

2. INCOME & EXPENDITURE

Details of income and expenditure for the period 2010-11 are given hereunder:

` in crore

31.03.2011 31.03.2010 Variati

1 INTEREST INCOME 15221 12064 31

- Advances 11254 8648 26


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- Investments 3767 3307 4

- Others 200 109

2 OTHER INCOME 1265 1735 -4

(Profit on Sale of Investments)3 TOTAL INCOME (1+2) 16486 13799 26

4 INTEREST EXPENDED 9895 9519 3

- Deposits 9063 9121 -

- Others 832 398 4

5 OPERATING EXPENSES 4000 2222 17

- Establishment 2964 1544 14

- others 1036 678 3

6 TOTAL EXPENSES (4+5) 13895 11741 21

7 SPREAD (1-4) 5326 2545 27

8 OPERATING PROFIT (3-6) 2591 2058 5

9 PROVISIONS-NPA/INVST./OTHERS 932 509 4

10 PROVISIONS FOR TAXATION 407 491 -

11 NET PROFIT 1252 1058 1 Interest Income grew by 26.17 per cent during the year

Net Interest Income registered a growth of 109.27 percent

Interest expenses on Deposits reduced to ` 9063 in March 2011 from ` 9121 crore in previous yea

of high cost deposits.

Expenses on employees has gone up by 91.97% because of salary revision for staff & officers and

& gratuity.

3. PROVISIONS

Details of Total Provisions of` 1339 crore charged to the Profit and Loss Account during the year 2010

year are detailed as under:

Annual R

4. SPREAD ANALYSIS

(In

31.03.20

Cost of Deposits 5

Cost of Funds 5

Yield on Advances 10


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Yield on Advances 10

Yield on Investments 7

Net Interest Margin 3

Cost Income Ratio 60

Cost of Deposits decreased from 6.29 per cent in 2011 to 5.71 per cent in 2011.

The yield on advances and yield on investments both increased to 10.29 per cent and 7.14 per ce

and 6.74 per cent respectively in previous year.

Net Interest Margin significantly increased from 1.86 (2010) to 3.31 per cent.

Cost Income Ratio increased from 51.91 per cent in 2010 to 60.68 per cent, on account of inc

expenses

5. BANKING RATIOS

(In

2010-

Interest Income to Average Working Fund (AWF) 8

Non-Interest Income to AWF 0

Operating Profit to AWF 1

Return on Average Assets 0

Business Per Employee (` in lakh) 8

Net Profit per Employee (` in lakh) 3

6. CAPITAL TO RISK WEIGHTED ASSETS RATIO (CRAR)

The components of Capital Adequacy Ratio were as under:

31.03.2011 3

Basel-I Basel-II Base

Risk Weighted Assets(` in crore) 128587 116619 1043

8. CHANGES IN THE BOARD DURING THE YEAR

During the year under review, the following changes took place in the Board of Directors of the Bank:

Shri Ramnath Pradeep has been appointed as CMD of Corporation Bank w.e.f. September 1, 20

Shri Arun Kaul has been appointed as CMD of UCO Bank w.e.f. September 1, 2010.

Smt. V.R. Iyer has been appointed as Executive Director with effect from September 1, 2010.

Shri R.K. Dubey has been appointed as Executive Director with effect from September 1, 2010.

Shri M.K. Bhattacharya ceased to be a Director with effect from July 30 2010


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Shri M.K. Bhattacharya ceased to be a Director with effect from July 30, 2010.

Shri Salim Gangadharan has been appointed as RBI Nominee Director with effect from July 30,

Shri M.S. Johar retired on January 1, 2011.

9. DIRECTORS RESPONSIBILITY STATEMENT

The Directors confirm that in the preparation of the annual accounts for the year ended March 31, 201

The applicable accounting standards have been followed along with proper explanation relating

if any;

The accounting policies framed in accordance with the guidelines of the Reserve Bank of In

applied;

Reasonable and prudent judgement and estimates were made so as to give a true and fair view o

the Bank at the end of the financial year and of the profit of the Bank for the year ended March 3

Proper and sufficient care was taken for the maintenance of adequate accounting records in provisions of the applicable laws governing banks in India ; and

The accounts have been prepared on a going concern basis.

10. CORPORATE GOVERNANCE

The Board of the Bank is committed to adapt Corporate Governance practices in letter and spirit. The B

documented system and practice on Corporate Governance.

11. ACKNOWLEDGEMENT

The Board of Directors places on record its gratitude to the Government of India, Reserve Bank of In

Exchange Board of India for their valuable guidance and support. The Board acknowledges with gra

support and faith of its customers and shareholders. The Board wishes to place on record its apprecia

services and contribution made by members of staff for the overall performance of the Bank.

For and on behalf of tPlace: Mumbai S. Sr

Date : May 30, 2011 Chairman and M

Annual R

MANAGEMENT DISCUSSION & ANALYSIS

PART A ECONOMIC SCENARIO

GLOBAL DEVELOPMENTS

There have been visible signs of recovery of world output growth largely driven by the robust growth in e

The recovery is broadly divided into (i) large output gaps in advanced economies (ii) close gaps in emerging

growth in advanced economies has been estimated at 3% with higher unemployment. In contrast, the em


125/232

g g p y ,

economies have seen growth above 7%, combined with low unemployment. Overall, world real GDP grow

in 2010. China & India contributed about a quarter of incremental world output. The sovereign debt crises

slow real estate markets, the rise in commodity prices & crude oil prices are key downside risks to growth i

emerging economies. IMF has projected 4.4% growth in 2011 & 4.5% growth in 2012 with again large contrib

growth of 6.5% in both years from emerging & developing economies.

DOMESTIC ECONOMY

Indian economy is estimated to grow by 8.6% during the year 2010-11. The sign of moderation in GDP g

during second half of the year mainly due to slow down in capital goods production and investment spendi

prices, rising commodity prices and anti inflationary monetary measures have significantly impacted grow

the year 2010-11. GDP growth during 2011-12 is expected to moderate from its pace in 2010-11, becau

inflation and rising input costs despite a prediction of normal monsoon and positive lead indicators from se

Headline Inflation was the primary macroeconomic concern throughout the year. The WPI-based inflation fo

2011 rose to 8.98%, exceeding the RBIs expectation of 8%. It was driven by a combination of factors, both str

During April-July 2010 it was impacted primarily by food items and fuel, between August to Novembe

influenced by both food and non-food primary articles and minerals and during December 2010 to March

WPI was mainly driven by non-food manufactured products and fuel.

The Consumer Price Index (CPI) also remained elevated during the year 2010-11. The CPI however as again

2010 declined to 8.8-9.1% in March 2011 because of moderation in food prices.

The industrial production during the year 2010-11 showed signs of slowdown. The index of Industrial Prodof only 7.8 % in FY 2010-11 as against 10.5 % during the previous year. The IIP for March 2011 showed

against 15.5 % in the month of March 2010. The slowdown was mainly due to the high base effect & sharp d

& intermediate goods growth rate. The weighted contribution of capital & intermediate goods growth to o

also declined. In contrast, the consumer durables growth has shown a high growth of 20.9% in April-Marc

of a strong private consumption demand. During 2010-11, the index of capital goods grew by 9.3 % and con

against 20.9 % and 6.2 % respectively during the same period in 2009-10.

MONETARY DEVELOPMENTS

For the FY 2010-11, Monetary Policys main focus was to curb inflationary pressure without hampering the c

growth of the economy. RBI continues to take steps for deepening the financial markets in a calibrated man

to strengthen the stability of the financial system in the country. Since April 2010, the RBI has increased Repo

9 ti t ki it t i k t 7 25% & 6 25% ti l Th B t t i t d d i b ki

Bank credit during the year registered a strong growth of 21.4 % as against 16.9 %during 2009-10. The ban

` 693871 crore to ` 3938659 crore as on March 25, 2011. Non-food credit stood at ` 3874376 crore with an

crore and food credit by ` 15793 crore to ` 64283 crore during the year 2010-11. The growth in credit was

to telecom sector and strong demand from infrastructure sector in the latter part of the year.

Part B PERFORMANCE OF THE BANK

BUSINESS

As on 31st March 2011, the total business of the Bank was ` 310763 crore, registering a growth of 15.43% f


126/232

figure of` 269225 crore. The operating profit reached to ` 2591 crore from previous year figure of` 2058 cro

of 25.90%. The Bank has posted the highest ever net profit of` 1252 crore, which marks an increase of 18.3

years net profit of` 1058 crore.

RESOURCE MOBILISATION

The total deposits as on March 31, 2011 stood at ` 179356 crore, registering a growth rate of 10.64% over

components viz. Demand Deposits from others, Savings Bank Deposits and Term Deposits from others reco

CREDIT

As on March 31, 2011 the gross credit of the Bank stood at ` 131407 crore as against ` 107118 crore in the pre

a growth of 22.67%.

The growth in credit is diversified in all segments with higher growth in Retail Credit (26.29%) an

(23.72%).

Outstanding As on 31/03/2011 As on 31/03/2010

R il L 14132 11190

32

Mar'08

Share of CASA to Total Deposits(%)

Mar'09 Mar'10 Mar

32.5

35.78

33.4

35.40

33

33.5

34

34.5

3535.5

36

Annual R

Sr.

No.

Particulars March 2010 March 20

Adjusted Net Bank credit (ANBC) 85935 106

1 Priority Sector Advances

Percent to ANBC

35393

41.19

41

39

2 Total Agriculture Advance

Percent to ANBC

18309

21.31

19

18


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3 Direct Agricultural Advances

Percent to ANBC

11607

13.51

12

11

4 Indirect Agricultural Advances

Percent to ANBC

6702

7.80

7

65 Micro & Small Enterprises 9317 11

6 Education loan 1180 1

7 Housing Loan(upto ` 20.00 lacs) 6119 7

8 Micro Cr. 468

AGRICULTURE

Total Agriculture credit increased by 8.08% from a level of` 18309 crore as on 31.03.2010 to Rs 19790 crore

share to adjusted net bank credit (ANBC) stood at 18.64% .

MICRO CREDIT

The Bank has extended credit of` 269 crore to beneficiaries where the loan amount does not exceed ` 500

MICRO & SMALL ENTERPRISES (MSE)

The advances to MSE increased to ` 11901 crore at the end of the current year from ` 9317 crore as on 31.03

have been identified for focused attention on MSE credit. Extensive training has been provided to Branc

branches at our apex institute in Mumbai. These branches are now adopting cluster-based approach founder the MSE. Further, the Bank is extending collateral free loans up to ` 100 lakh for setting up to units

Enterprises sector, which are also eligible for cover under CGTMSE scheme.

SELF HELP GROUPS

During the year, 11877 groups were formed under the scheme by the Bank. Out of which 11159 groups ha

Since inception of the scheme the Bank has formed 138934 SHGs out of which 88348 groups are credit-link

balance of` 697.14 crore at the end of the year. Out of the credit-linked groups, 71709 are women SHGs

limits of` 553.38 crore.

PERFORMANCE UNDER LEAD BANK:

Our bank is shouldering the responsibility of Lead Bank in 48 districts of the country. The performance of t

year 2010 11 is ` 3540 crore against the total target of Rs 4607 crore for the year 2010 11

AGRICULTURAL DEBT WAIVER AND DEBT RELIEF SCHEME 2008

Bank had lodged the claim under Debt Waiver and Debt Relief scheme 2008 separately with RBI for thei

position is as under:

Debt Waiver scheme Debt Relief scheme To

A/cs Amt. A/cs Amt. A/c

446580 978.53 67072 147.77 513652

RBI/Government of India reimbursed the complete amount of ` 1126.30 crore to Bank.


128/232

RBI/Government of India reimbursed the complete amount of` 1126.30 crore to Bank.

STATE LEVEL BANKERS COMMITTEE (SLBC)

Bank is convener of SLBC in the State of Madhya Pradesh. During the year 2010-11, four SLBC meetings we

monitor the progress made in the state under various parameters including Government sponsored prog

development agencies.

GOVERNMENT SPONSORED PROGRAMME (2010-11)

During the year, the Bank has sanctioned loan under different Government sponsored programme as unde

Sr. No Scheme Disbursement

A/c

1 SGSY 14301

2 SJSRY 4091

3 SRMS 687

4 PMEGP 3295

ADVANCES TO WEAKER SECTIONS

During the year, the Bank has extended loans of` 10707.67 crore to various categories of weaker sectio

10.09% of ANBC, which is above the target envisaged by Government.

ADVANCE TO MINORITY COMMUNITIESGovt. of India in its new Prime Ministers 15 point programme for welfare of Minori

Central Bank AR-11

Documents

Transcript of Central Bank AR-11