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okf"kZd fjiksVZ | 2018-19
okf"kZd fjiksVZ
Annual Report
2018-19
isa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
Pension Fund Regulatory & Development Authority
ch&14@,] NÙkjifr f’kokth Hkou] dqrqc laLFkku {ks=] dVokfj;k ljk;] ubZ fnYyh&110016
B-14/A, Chhatrapati Shivaji Bhawan, Qutub Institutional Area, Katwaria Sarai, New Delhi-110016
Fax : 91-11-26517507 www.pfrda.org.in
1Part-IV
2okf"kZd fjiksVZ | 2018-19
;g fjiksVZ isa”ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k
¼fjiksVZ] fjVuZ vkSj fooj.kh½ fu;eksa 2015
ds çk:i vuqlkj gS A
3Part-IV
4okf"kZd fjiksVZ | 2018-19
5Part-IV
6okf"kZd fjiksVZ | 2018-19
fo"k;&oLrq
y{; ,oa mís’;ksa dk oäO; 11
mís’; 11
ifjdYiuk 11
v/;{k dk lans’k 13
cksMZ ds lnL; 15
çkf/kdj.k ds ofj"B vf/kdkjh 16
laf{kfIr;ka 17
Hkkx&I
uhfr;ka vkSj dk;ZØe
1-1 oSf”od vkfFkZd ifj–”; dh lkekU; leh{kk 20
1-1-1 oSf”od oLrq ewY; 21
1-1-2 eqækLQhfr 21
1-1-3 oSf”od vkfFkZd ifjos”k 22
1-1-4 c‚UM vkSj bfDoVh cktkj 22
1-1-5 o’kZ 2019&20 ds fy, oSf”od o`f) –f’Vdks.k 24
1-1-6 mHkjrs cktkj vkSj fodkl”khy vFkZO;oLFkk,a 24
1-2 ?kjsyw vFkZ”kkL= 25
1-2-1 Hkkjr esa lef’V vFkZ”kkL= fodkl 25
1-2-2 eqækLQhfr 26
1-2-3 ekSfæd çca/ku 27
1-3 foÙkh; cktkj 27
1-3-1 th&lsd cktkj 27
1-3-2 d‚iksZjsV ckWUM cktkj 28
1-3-3 bfDoVh cktkj 28
1-4 oSf”od isa”ku cktkj dh leh{kk 29
1-4-1 o’kZ 2018 esa vksbZlhMh {ks= esa isa”ku fuf/k vkfLr;ka 29
1-4-2 o’kZ 2018 esa bfDoVh fuos”k 30
1-5 ctV 2019 esa ,uih,l ds fy, çeq[k ?kks’k.kk,a 31
1-6 Hkkjrh; tulkaf[;dh vkSj o`)koLFkk vk; lqj{kk 31
1-7 Hkkjrh; isa”ku ifj–”; 32
1-8 o’kZ ds nkSjku ih,QvkjMh, ds y{;ksa dh la{ksi esa leh{kk 34
1-9 ,uih,l ds rgr e/;LFk bdkbZ;ka 36
1-9-1 jk’Vªh; isa”ku ;kstuk ls lacaf/kr e/;LFk rFkk vU; bdkbZ;ka rFkk vf/kfu;e ds rgr
vkus okyh isa”ku ;kstuk,a 36
1-9-2 [kkrs ds çdkj 38
7foP"ak;rt -lIVwph
Hkkx&II
,uih,l ds rgr fuf/k;ksa dk fuos’k
2-1 isa”ku fuf/k;ka ¼ih,¶l½ 41
2-1-1 isa”ku fuf/k;ksa ds dk;Z 41
2-1-2 ljdkjh {ks= ,uih,l ;kstukvksa vFkkZr~ lhth vkSj ,lth]
,uih,l LokoyEcu vkSj ,ihokbZ ds fy, isa”ku fuf/k;ksa ¼ih,¶l½ dh lwph 41
2-1-3 futh {ks= ,uih,l ;kstukvksa ds fy, isa”ku fuf/k;ksa ¼ih,¶l½ dh lwph 41
2-2 ;kstuk,a 41
2-3 ih,QvkjMh, }kjk fofu;fer vkSj ç”kkflr fofHkUu ;kstukvksa dk
fofHkUu fuos”k Jsf.k;ksa esa ,Dlikstj 44
2-4 isa”ku fuf/k;ksa ls lEcaf/kr fofu;e] vf/klwpuk] çeq[k ifji=@fn”kkfunsZ”k tkjh 46
Hkkx&III
çkf/kdj.k ds dk;Z
3-1 e/;LFkksa dk iathdj.k rFkk ,sls iathdj.k dk LFkxu] fujlu vkfn rFkk
e/;LFk bdkbZ;ka tks jk’Vªh; isa”ku ç.kkyh ;k vU; isa”ku ;kstukvksa ds lkFk
layXu gks] dh xfrfof/k;ksa dk fu;a=.k 49
3-2 ;kstukvksa] mudh fu;e vkSj “krksaZ dk vuqeksnu] ftuesa isa”ku fuf/k;ksa ds
dks’k ds çca/ku ds lEcU/k esa fu;e gS rFkk ,slh ;kstukvksa ds rgr
fuos”k fn”kkfunsZ”k gSaA 51
3-3 jk’Vªh; isa”ku ç.kkyh ls vfHknkrkvksa dk fudkl 52
3-3-1 ih,QvkjMh,¼,uih,l ds rgr fudkl vkSj çR;kgj.k½ fofu;e] 2015] vkSj
mlds rgr fd, x, la”kks/ku 52
3-3-2 ,uih,l ds rgr vkaf”kd çR;kgj.k 55
3-4 okf’kZdh lsok çnkrkvksa ¼,,liht½ rFkk vfHknkrkvksa }kjk p;fur
okf’kZdh ;kstukvksa dk fooj.k 56
3-5 jk’Vªh; isa”ku ç.kkyh rFkk vf/kfu;e ds varxZr vU; isa”ku ;kstukvksa ds
rgr vfHknkrkvksa ds fgrksa dh j{kk ds fy, dh xbZ xfrfof/k;k¡ 58
3-6 vfHknkrkvksa dh f”kdk;rksa ds fuokj.k ds fy, ra= rFkk
,slh f”kdk;rksa ds fuokj.k ds fy, fd;s x, fØ;kdyki 60
3-7 lsokfuo`fÙk lykgdkjksa ds fy, çek.ki= dk;ZØe 61
3-8 çkf/kdj.k rFkk e/;LFkksa }kjk vkadM+ksa dk ladyu] ftuesa v/;;u]
vuqla/kku rFkk ifj;kstukvksa dks “kq: djuk “kkfey gS 62
3-9 vfHknkrkvksa rFkk lkekU; turk ds fy, isa”ku] lsokfuo`fÙk cpr rFkk lEcaf/kr eqíksa ij
mBk;s x, dne rFkk e/;LFk bdkbZ;ksa ds çf”k{k.k fooj.k 62
3-9-1 foÙkh; lk{kjrk 62
3-9-2 foÙkh; vfHkdj.kksa vkSj vU; vfHkdj.kksa ds lkFk leUo; ds fy, dk;ZØe 63
8okf"kZd fjiksVZ | 2018-19
3-9-3 ,uih,l tkx:drk] lapkj rFkk lks”ky ehfM;k 63
3-9-4 tulaidZ vfHkdj.k 64
3-9-5 çf”k{k.k 64
3-10 ,uih,l vkSj ,ihokbZ lwpuk lgk;rk iVy 65
3-11 foÙk o’kZ 2018&19 ds nkSjku gq, lEeysu 66
3-12 isa”ku fuf/k;ksa ds çn”kZu 69
3-13 fofu;fer vkfLr;ka 72
3-14 foÙk o’kZ ds nkSjku çkf/kdj.k }kjk çHkkfjr ;k ladfyr fd, tkus okys vU; “kqYd ;k çHkkj 74
3-15 e/;LFk bdkbZ;ksa dh ys[kkijh{kk ds nkSjku ekaxh xbZ lwpuk] fd;s x, fujh{k.k]
tkap] vUos’k.k rFkk isa”ku fuf/k;ksa ls lEcaf/kr vU; bdkbZ;ka laxBu 74
3-15-1 tkap vkSj vUos’k.k 74
3-15-2 fujh{k.k vkSj ys[kkijh{kk 74
3-16 vU; 75
3-16-1 jk’Vªh; isa”ku ç.kkyh rFkk vf/kfu;e ds v/khu vU; isa”ku ;kstukvksa ds
rgr “kkfey vfHknkrkvksa ¼Js.khokj½ dh la[;k 75
3-16-2 mifLFkfr vfLrRo 78
3-16-3 çca/ku ds v/khu ifjlaifÙk 78
3-16-4 dsUæh; vfHkys[kiky vfHkdj.k] mldh Hkwfedk rFkk dk;Z 79
3-16-5 isa”ku fuf/k;ksa ds dk;Z 86
3-16-6 U;klh cSad 86
3-16-7 jk’Vªh; isa”ku ç.kkyh ds rgr vfHkj{kd 89
3-16-8 jk’Vªh; isa”ku ç.kkyh U;kl 91
3-16-9 lsokfuo`fÙk lykgdkj 92
3-16-10 isa”ku ds {ks= esa çkf/kdj.k }kjk dh xbZ vU; xfrfof/k;k¡ 93
Hkkx&IV
4-1 isa”ku lykgdkj lfefr 96
4-2 fufeZr vkSj la”kksf/kr fofu;e 96
4-3 vfHknkrk f”k{kk rFkk lqj{kk fuf/k ds mi;ksxhdj.k ij lfefr dk xBu 97
4-4 ih,QvkjMh, esa lwpuk rduhdh vkSj lkbcj lqj{kk ij LFkk;h lfefr 97
Hkkx&V
isa’ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ds fy, laxBukRed eqís
5-1 ih,QvkjMh, cksMZ dk xBu 98
5-2 çkf/kdj.k dh cSBdsa 98
5-3 ih,QvkjMh, esa deZpkfj;ksa dh la[;k 99
5-4 ih,QvkjMh, esa vuqlwfpr tkfr@vuqlwfpr tutkfr çdks’B vkSj vkschlh çdks’B dh LFkkiuk 99
9foP"akr;t -lIVwph
5-5 dk;ZLFky ij ;kSu mRihM+u dh jksdFkke ds fy, lfefr 99
5-6 deZpkjh dY;k.k lfefr 99
5-7 ih,QvkjMh, esa deZpkfj;ksa dk çf”k{k.k 99
5-8 jktHkk’kk dk çpkj 99
5-9 lwpuk dk vf/kdkj 99
5-10 lalnh; ç”u 100
5-11 lwpuk çkS|ksfxdh fØ;kdyki 100
5-12 vU; xfrfof/k;k¡ 101
5-13 ih,QvkjMh, ds [kkrs 101
Hkkx&
VI
dksbZ Hkh egRoiw.kZ {ks= tks vfHknkrkvksa ds fgr dks çfrdwy :i ls çHkkfor djrk gS
6-1 ,ihokbZ esa “kkfey gksus ds fy, 40 lky dh vk;q lhek 102
6-2 oS/kkfud nkf;Ro ftudk çkf/kdj.k us ikyu ugha fd;k gS 102
6-2-1 U;wure vk”okflr fjVuZ~l ;kstuk ¼eklZ½ 102
Hkkx&
VII
vf/kfu;e ds rgr jk"Vªh; isa’ku ç.kkyh vkSj vU; isa’ku ;kstukvksa ds vfHknkrkvksa ds
fgrksa dh j{kk ds fy, çkf/kdj.k }kjk mBk, x, dksbZ Hkh vU; mik;
7-1 tSlk fd igys mYys[k fd;k x;k gS] blds vfrfjDr] çkf/kdj.k }kjk
muds xzkgdksa ds fgrksa dh j{kk ds fy, mBk, x, vU; dneA 103
vuqyXud
I
fofHkUu forj.k psuyksa ds ek/;e ls ,ihokbZ ds rgr iath—r vfHknkrkvksa dh la[;k
¼tkjh fd;s x, çku½ 105
vuqyXud
II
31 ekpZ] 2019 rd ds vuqlkj ,uih,l ds rgr ,u,lMh,y&lhvkj,
ds lkFk iath—r mifLFkfr vfLrRo dh lwph 112
31 ekpZ] 2019 rd ds vuqlkj ,uih,l ds rgr
dkohZ&lhvkj, ds lkFk iath—r mifLFkfr vfLrRo dh lwph 114
vuqyXud
III
31 ekpZ] 2019 rd ds vuqlkj ,uih,l ds rgr mifLFkfr vfLrRoksa ¼ladyudrkZ½ dh lwph 116
vuqyXud
IV
iquxZfBr isa”ku lykgdkj lfefr fuEukuqlkj gS 118
vuqyXud
V
rqyui= 119
10okf"kZd fjiksVZ | 2018-19
y{; vkSj mís’;ksa dk oäO;
isa’ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ¼fjiksVZ] fjVuZ vkSj fooj.kh½
fu;e] 2015 ds fu;e 9 ¼2½ ¼x½ ds rgr
mís’;
ih,QvkjMh, ds O;kid mís’; ih,QvkjMh, vf/kfu;e 2013
dh çLrkouk esa 'kkfey gSa tks fd fuEufyf[kr gS %
,sls çkf/kdj.k dh LFkkiuk djuk] tks fd o`)koLFkk vk; dks c<+kok ns] isa’ku fuf/k;ksa dks fodflr vkSj fofu;fer djs] ftlls
isa’ku fuf/k;ksa dh ;kstukvksa ds vfHknkrkvksa rFkk muls tqM+s ,oa çklafxd ekeyksa dh j{kk dh tk ldsAß
ifjdYiuk
ukxfjdksa dh o`)koLFkk vk; vko’;drkvksa dh nh?kZdkfyd iwfrZ
gsrq ,d laxfBr isa’ku ç.kkyh dk çlkj ,oa fodkl djrs gq,
,d vkn’kZ fofu;ked dh Hkwfedk vnk djukA
11Part-IV
12okf"kZd fjiksVZ | 2018-19
v/;{k dk lUns’k
foÙk o’kZ 2018&19 ds fy, ih,QvkjMh, dh okf’kZd fjiksVZ çLrqr djrs gq, eq>s vfr çlUurk gks jgh gSA bl
miy{; ij] ge Hkkjr ds lHkh ukxfjdksa ds fy,] LFkk;h vk/kkj ij vk; lEcU/kh vko”;drkvksa dh iwfrZ ds fy,
laxfBr isa”ku ç.kkyh dks c<+kok nsus vkSj fodflr djus ds vius tukns”k ds fy, fd;s x, ç;klksa dks rktk
djrs gSaA
Hkkjr] fo”o ds vf/kdre tula[;k okys jk’Vªksa esa ls ,d gS] tks vHkwriwoZ tulkaf[;dh; ifjorZuksa ls xqtj jgk
gSA nh?kkZ;qrk vkSj ?kVrh çtuu {kerk ds ifj.kkeLo:i o;Ldksa dh vkcknh esa fujis{k vkSj lkis{k nksuksa rjg ls
ukVdh; o`f) gqbZ gSA cnyrs lkekftd vkSj vkfFkZd ifj–”;ksa ds dkj.k] dbZ o`)ksa ds ?kjksa esa ikjaifjd ikfjokfjd
lg;ksx ç.kkyh lekIr gks jgh gSA ;g ifjorZu lkekftd vkSj vkfFkZd pqukSfr;ksa dks ysdj vkrk gS] ftlds fy,
bl fofo/krk ;qä ns”k dks rsth ls vuqdwy cuuk pkfg,A
;g le; ns”k esa] ,d LFkk;h isa”ku iz.kkyh ds fy, dk;Z djus vkSj mlds fuekZ.k ds fy, mfpr gS] tks ns”k dh
vf/kdka”k tula[;k dks “kkfey djrh gSaA ih,QvkjMh,] o’kksaZ ls jk’Vªh; isa”ku ç.kkyh ¼,uih,l½ dh lgk;d
lajpuk ds rgr lHkh fgr/kkjdksa ds fy, mRiknksa] ;kstukvksa vkSj dk;ZØeksa esa uokpkjksa ds fy, laLFkk fuekZ.k]
{kerk fodkl vkSj l{ke <kaps ij çeq[k #i ls /;ku nsus ds lkFk funsZf”kr fodkl vkSj foosdiw.kZ fofu;e ds
ek/;e ls isa”ku {ks= dks fodflr djus esa yxk gqvk gSA bldk lcls cM+k y{; laxfBr vkSj vlaxfBr nksuksa
{ks=ksa esa isa”ku dojst dh i;kZIrrk vkSj nk;jk c<+kuk gSA
,uih,l dk lao/kZu vkSj fodkl vFkZO;oLFkk dh o`f) ds fy, egRoiw.kZ gS D;ksafd ;g gekjh fo”kky
o`)koLFkk vkcknh ds fy, o`)koLFkk vk; lqj{kk çnku djus vkSj vFkZO;oLFkk ds egRoiw.kZ fodkl ç/kku {ks=ksa vkSj
iwath cktkjksa esa fuos”k dh vko”;drkvksa dks iwjk djus ds fy, nh?kZdkfyd /ku ds :i esa lalk/kuksa dks miyC/k
djkus ds nksgjs mís”;ksa dks iwjk djrk gSA ,d fodflr isa”ku {ks= dk vFkZO;oLFkk ij nh?kZdkfyd fuos”k ds lkFk
nh?kZdkfyd cpr dks c<+kok nsus ds ek/;e ls egRoiw.kZ çHkko iM+rk gSA
,uih,l ,d vlewgh—r lajpuk gS] tgk¡ çR;sd dk;Z dks fHkUu bdkbZ }kjk fu’ikfnr fd;k tkrk gSA ;g fof”k’V
mRikn gS D;ksafd ;g vfHknkrkvksa dks e/;LFkksa }kjk] tks vius {ks=ksa esa çfl) gSa] og Hkh de ykxr ij lsok nsus
dk volj çnku djrk gSA ;g rduhdh eap vfHknkrkvksa dks mifLFkfr vfLrRo] dsaæh; vfHkys[kiky vfHkdj.k]
isa”ku fuf/k çca/kd] okf’kZdh lsok çnkrk] vko`fr vkSj vU;ksa ds chp esa va”knku jkf”k ds fodYi ds lEcU/k esa
i;kZIr yphykiu çnku djrk gSA
ih,QvkjMh, vf/kfu;e 2013 ds rgr ,d fofu;eksa dk O;kid <kapk rS;kj fd;k x;k gS] ftudh fu;fer vkèkkj
isa”ku laifÙk dh lqj{kk lqfuf”pr djus ds fy, leh{kk dh tkrh gS rkfd lsokfuo`fÙk ykHkksa dks çnku djus ds fy,
lafpr dh xbZ isa”ku fuf/k;ksa ds tksf[ke dks de fd;k tk lds vkSj le;c) fudklh lqfuf”pr dh tk ldsA
ih,QvkjMh, bZ,uih,l] eksckby ,i] bZdsokbZlh ds ek/;e ls vfHknkrkvksa ds fy, ,uih,l dks çHkkoh cukus
vkSj ,uih,l rd igq¡p ljy cukus ds fy, ewY; J`a[kyk esa çkS|ksfxdh dk fu;fer :i ls ykHk mBk jgk gSA
vVy isa”ku ;kstuk ¼,ihokbZ½ vfHknkrkvksa dks ewY;of/kZr lsok,a çnku djrs gq, fMftVy #i ls l”kä cukus ds
fy, Hkh fofHkUu ç;kl fd, x, gSaA blds vykok] Hkkjr dh o`)koLFkk vk; lqj{kk ds lEcU/k esa uhfr fuekZ.k esa
13vP/a;r{t-k IVdk lans’k
,d fgr/kkjd ds :i esa vkSj isa”ku vfHknkrkvksa ds fgr esa ih,QvkjMh, vf/kfu;e ds vkns”k dks iwjk djus ds
fy,] ih,QvkjMh, yxkrkj gj çdkj ds lkbcj [krjksa dks de djus ds fy, lkbcj lqj{kk mik;ksa dks viukus
esa lrdZ gSA
dsaæ ljdkj us fnukad 31-01-2019 dks dsaæh; ljdkj deZpkfj;ksa ds ,uih,l [kkrksa esa ljdkj ds va”knku esa
10% ls 14% rd dh o`f) dks vf/klwfpr fd;k gS] tks 1 vçSy] 2019 ls çHkkoh gqbZA dsaæ ljdkj ds deZpkfj;ksa
dks isa”ku QaM vkSj fuos”k ds iSVuZ dks pquus esa nh tkus okyh vf/kd Lora=rk dks Hkh lwfpr fd;k x;kA blds
vykok] çfØ;k ls fudkl ij ,deq”r fudklh ds fy, NwV dh lhek 60% rd c<+k nh xbZ gSA blds lkFk
gh iwjh fudklh ij vc vk;dj ls NwV feysxhA ;s fo”ks’k mik; fuf”pr :i ls ,uih,l ds rgr va”knku Lrj
dks c<+kok nsaxsA
isa”ku ,d nh?kZdkfyd foÙkh; mRikn gS] ftlds fy, fdlh O;fä dh dkedkth mez ds nkSjku lap; pj.k esa
mlds dks’k ds fy, fujarj ;ksxnku dh vko”;drk gksrh gSA bls /;ku esa j[krs gq, isa”ku fu;ked ih,QvkjMh,
us tulewg dks isa”ku] lsokfuo`fÙk ;kstuk@cpr ds ekeyksa ij foÙkh; lk{kjrk çnku djus ds egRoiw.kZ dk;Z dh
“kq#vkr dh gS] tks fd fofHkUu fMftVy@lks”ky ehfM;k ds ek/;e ls isa”ku {ks= ds fodkl ds O;kid tukns”k
dks iw.kZ djus dk dk;Z fd;k gS vkSj isa”ku lap; uked ,d lefiZr osclkbV dk fuekZ.k fd;k gSA isa”ku vkSj
lsokfuo`fÙk ;kstuk ds laca/k esa of/kZr foÙkh; lekos”ku vkSj lk{kjrk ls O;ogkjxr i{kikrksa dk lkeuk djus esa
enn feysxhA
bl lUns”k ds ek/;e ls] eSa o`)koLFkk vk; lqj{kk ds y{;ksa dks iw.kZ djus ds fy,] Hkkjr dks ,d isa”ku;qä lekt
cukus ds fy, ih,QvkjMh, dh izfrc/nrk vkSj fu’Bk dks nksgjkuk pkgrk gwaA
v/;{k
14okf"kZd fjiksVZ | 2018-19
cksMZ ds lnL;
¼fnukad 31-03-2019 rd ds vuqlkj ih,QvkjMh, vf/kfu;e] 2013 ¼2013 dk vf/kfu;e 23½ dh
/kkjk 4 ds rgr fu;qäA
¼i½ v/;{k
Jh gsear th- dkaVªsDVj 7 vDVwcj ls vc rdA
¼ii½ iw.kZdkfyd lnL;
1- M‚- ch-,l- HkaMkjh] iw.kZdkfyd lnL; ¼vFkZ”kkL=½ 16 ebZ 2014 ls vc rd A
2- Jh lqçfre canksik/;k;] iw.kZdkfyd lnL; ¼foÙk½ 12 ekpZ 2018 ls vc rd A
¼iii½ vYidkfyd lnL;
1- lqJh- ,uh t‚tZ eSF;w] la;qä lfpo] O;; foHkkx 12 fnlEcj 2014 ls vc rd vYidkfyd lnL; A
2- Jh latho ukjk;.k ekFkqj] la;qä lfpo] isa”ku vkSj isa”ku Hkksxh dY;k.k foHkkx] dkfeZd yksd f”kdk;r rFkk
isa”ku ea=ky;] 11 vxLr 2017 ls vc rd vYidkfyd lnL;A
3- Jh enus”k dqekj feJk] la;qä lfpo] foÙkh; lsok,a foHkkx] foÙk ea=ky;]03 uoEcj 2017 ls vc rd
vYidkfyd lnL;A
15çkfP/kdarjt.-k IdVs ofj"B vf/kdkjhx.k
çkf/kdj.k ds ofj"B vf/kdkjhx.k
¼31-03-2019 rd ds vuqlkj½
dk;Zdkjh funs’kd
Jh vuar xksiky nkl
Jh çoh.k f=osnh
eq[; egkçca/kd
Jherh eerk jksfgr
Jherh lqehr dkSj diwj
Jh osadVs”oywZ isjh
Jh vk”kh’k dqekj
egkçca/kd
Jh ds- eksgu xk¡/kh
Jh ços”k dqekj
Jh eksuks eksgu xksxksbZ Qwdksu
Jh vf[kys”k dqekj ¼,uih,l U;kl esa rSukr½
Jh fodkl dqekj flag
Jh ih- v#eqxkjaxjktu
Jh lqfer dqekj
eq[; lrdZrk vf/kdkjh
Jh lrh”k ds- ukxiky
yksdiky
Jh fouksn dqekj ikaMs
okf"kZd fjiksVZ ny
Jh osadVs”oywZ isjh] eq[; egkçca/kd
Jherh eatw HkYyk] miegkçca/kd
Jh euh’k e.kh] çca/kd
16okf"kZd fjiksVZ | 2018-19
laf{kfIr;ka
,vkbZ,Q oSdfYid fuos”k fuf/k
,ihokbZ vVy isa”ku ;kstuk
,ihokbZ ,lih ,ihokbZ&lsokçnkrk
,,lih okf’kZdh lsok çnkrk
,;w,e çca/ku ds v/khu ifjlaifÙk
ch,lbZ cEcbZ “ks;j cktkj
lh,ch dsaæh; Lok;Ùk fudk;
lh,thvkj la;qä okf’kZd o`f) nj
lhch,yvks laikf”~oZdh—r m/kkj ysu&nsu laca/kh nkf;Ro
lhch,l dksj cSafdax lek/kku
lhchvks d‚iksZjsV “kk[kk v‚fQl
lhbZvks eq[; dk;Zdkjh vf/kdkjh
lh,QihvkbZ miHkksäk [kk| ewY; lwpdkad
lhth dsaæ ljdkj
lhth,e,l dsaæh; f”kdk;r çca/ku ç.kkyh
lh,pvks d‚iksZjsV eq[; dk;kZy;
lhvkbZ,lvks eq[; lwpuk vkSj lqj{kk vf/kdkjh
lhvksvkj iathdj.k çek.ki=
lhih okf.kfT;d i=
lhihvkbZ miHkksäk ewY; lwpdkad
lhihvkbZ&lh miHkksäk ewY; lwpdkad& fefJr
lhihvkbZvks dsaæh; yksd lwpuk vf/kdkjh
lhvkj, dsaæh; vfHkys[kiky vfHkdj.k
lh,lth,y xzkgdksa dh lgk;d lkekU; [kkrkcgh
lh,lvks dsaæh; lkaf[;dh; dk;kZy;
Mh, egaxkbZ HkÙkk
Mhch ifjHkkf’kr ykHk
Mhlh ifjHkkf’kr va”knku
MhMhvks vkgj.k vkSj laforj.k dk;kZy;
Mhlhlhch ftyk dsaæh; lg&dkjh cSad
Mh,Q,l foÙkh; lsok,a foHkkx
MhVh, [ktkuk vkSj ys[kk funs”kky;
MhVhvks ftyk [ktkuk dk;kZy;
bZlhch ;wjksfi;u dsaæh; cSad
bZ,eMhbZ mHkjrs cktkj vkSj fodkl”khy vFkZO;oLFkk,a
17lPaaf{rktf-IrIV;ka
bZih,Q deZpkjh Hkfo’; fuf/k
bZih,l deZpkjh isa”ku ;kstuk
bZvkj,e =qfV vk”kks/ku eksMîwy
bZVh,Q fofue; O;kikj fuf/k
,Q,Vhlh, fons”kh [kkrk dj vuqikyu vf/kfu;e
,Q,D;w vf/kdka”kr% iwNs tkus okys ç”u
,QvkbZvkbZ fons”kh laLFkkfud fuos”kd
fQu&Vsd foÙkh; rduhdh
,Qvkjlh fuf/k çkfIr iqf’Vdj.k
,QvkbZvkbZ fons”kh laLFkkxr fuos”kd
,QihvkbZ fons”kh lafoHkkx fuos”k
,Qvkjlh Q.M çkfIr iqf’Vdj.k Qkby
,QokbZ foÙk o’kZ
thMhih ldy ?kjsyw mRikn
thvksvkbZ Hkkjr ljdkj
th&lsd th&lsd
thih,Q lkekU; Hkfo’; fuf/k
vkbZlhVh lwpuk vkSj lapkj çkS|ksfxdh
vkbZ,e,Q vUrjkZ’Vªh; eqæk dks’k
vkbZ,uvkj Hkkjrh; #i;k
vkbZfiu bUVjusV ilZuy vkbMsaVhfQds”ku la[;k
Vhfiu VsyhQksfud ilZuy vkbMsaVhfQds”ku uacj
vkbZvkjMh,vkbZ Hkkjrh; chek fofu;ked vkSj fodkl çkf/kdj.k
vkbZohvkj baVjSfDVo oksbl fjLikal ç.kkyh
dsokbZlh vius xzkgd dks tkus
,e,QvkbZ lw{e foÙk laLFkku
,evkbZ,l çca/ku lwpuk ç.kkyh
,u,oh fuoy vkfLr ewY;
,uch,Qlh xSj&cSafdax foÙkh; daiuh
,ulh,QbZ jk’Vªh; foRrh; f”k{kk dsUnz
,uvkbZ,l,e us’kuy bafLVVîwV v‚Q flD;ksfjVht ekfdZV
,uih,l jk’Vªh; isa”ku ç.kkyh
,uih,llh,,u ,uih,l d‚fUVªC;w”ku ,dkmafVax usVodZ
,uih,lVh jk’Vªh; isa”ku ç.kkyh U;kl
,u,lMh,y us”kuy flD;qfjVht fMi‚ftVjh fyfeVsM
,u,lbZ jk’Vªh; “ks;j cktkj
18okf"kZd fjiksVZ | 2018-19
vksbZlhMh vkfFkZd lg;ksx vkSj fodkl laxBu
vks,evks [kqys cktkj ds ifjpkyu
vksihth,e vkWuykbu izku tujs”ku ekWM;wy
vksVhih ou Vkbe ikloMZ
ih,evkbZ Ø; çca/kd lwpdkad
vkjchvkbZ Hkkjrh; fjtoZ cSad
vkjvkjch {ks=h; xzkeh.k cSad
vkjVhvkbZ lwpuk dk vf/kdkj
iSu LFkk;h [kkrk la[;k
ih,vks osru ,oa ys[kk dk;kZy;
ihvkj,vks çeq[k ys[kk dk;kZy;
ih,Q isa”ku fuf/k
ihvksih mifLFkfr vfLrRo
ihvksih –,lih mifLFkfr vfLrRo lsok çnkrk
ihih,Q yksd Hkfo’; fuf/k
çk.k LFkk;h lsokfuo`fÙk [kkrk la[;k
ih,l;w lkoZtfud {ks= ds miØe
,llh,Q vfHknkrk va”knku Qkby
,lMh,y jkT; fodkl _.k
lsch Hkkjrh; çfrHkwfr vkSj fofue; cksMZ
,lth jkT; ljdkj
,l,plhvkbZ,y LV‚d gksfYMax d‚jiksjs”ku v‚Q bafM;k fyfeVsM
,lvksVh laO;ogkj çdFku
Vhch U;klh cSad
Vhth,QvkbZ,Q,y foRrh; lekos”k vkSj lk{kjrk ij rduhdh lewg
Vhvkj,uvkbZMh leO;kogkj vkbZMh
;w,uih,Q la;qDr jk’Vª tula[;k fuf/k
;wvks,l vlaxfBr {ks=
MCY;wbZvks fo”o vkfFkZd ifj–”;
MCY;w,pvks fo”o LoLFk; laxBu
MCY;wihvkbZ Fkksd ewY; lwpdkad
MCY;wVh,e iw.kZdkfyd lnL;
19PHakrkxt- IIV
Hkkx
I
uhfr;ka vkSj dk;ZØe oSf”od vkfFkZd xfrfof/k o’kZ ds nwljs Hkkx esa dkQh
/kheh gks xbZ] ftlus çeq[k vFkZO;oLFkk dks dkjdksa ds
ih,QvkjMh, vf/kfu;e] 2013 dh çLrkouk] Hkkjr esa
cM+s lewg }kjk çHkkfor gksrs gq, fn[kk;k x;kA Nk;k
o`)koLFkk vk; lqj{kk ds y{; dks fu/kkZfjr djrh gSA
cSafdax esa vko”;d dM+s fu;eksa dk ikyu djus vkSj
,uih,l ç.kkyh dks ,d lqlaxr vkSj foÙkh; :i ls
la;qä jk’Vª ds lkFk O;kikj ruko ds c<+us ds dkj.k
LFkk;h isa”ku ç.kkyh dh ifjdYiuk djus vkSj mls ykxw
phu ds fodkl esa fxjkoV vkbZ gSA O;kikfjd ruko us
djus ds fy, ,d ç.kkyhxr –f’Vdks.k j[kus ds fy,
O;kolkf;d fo”okl dks de fd;k gS ftlls cktkj dk
ifjdfYir fd;k x;k gSA Hkkjr esa jk’Vªh; isa”ku ç.kkyh
#[k cnÙkj gqvk gSA o’kZ 2019 esa fLFkfr dqN ljy gqbZ
dh “kq:vkr us] ifjHkkf’kr ykHk ls ifjHkkf’kr va”knku
D;ksafd vesfjdh QsMjy fjtoZ us vf/kd mnkj ekSfæd
ç.kkyh esa LFkkukarfjr gksdj ,d cM+k mnkgj.k is”k fd;k
uhfr ds #[k dk ladsr fn;k vkSj cktkj ;w,l&phu
gSA bl ç.kkyh dh lQyrk fu;fer@,dLo:i cpr
O;kikj lkSns dks ysdj vf/kd vk”kkoknh cu x,A
ra=] foosdiw.kZ fuos”k fn”kk funsZ”k vkSj fo&lapa;hdj.k
oSf”od fodkl 2018 ds 3-6 çfr”kr ls ?kVdj 2019 esa
ds nkSjku vkgj.k ds dkj.k U;kf;d fxjkoV ij fuHkZj
3-3 çfr”kr jgus dk vuqeku gS] 2020 esa 3-6 çfr”kr
djrh gSA blds vykok] foÙkh; {ks= esa oSf”od vkSj
ij ykSVus ls igys gksxkA o’kZ 2018 ds fy, fodkl
?kjsyw fodklksa }kjk bu rhu pj.kksa dh ifjdYiuk cgqr
dks vDVwcj 2018 fo”o vkfFkZd ifj–”; ¼MCY;wbZvks½ ds
çHkkfor gksrh gS A ,d egRoiw.kZ la[;k rd igq¡pus ij]
lkis{k 0-1 çfr”kr vad ls la”kksf/kr fd;k x;k Fkk ]
isa”ku ifjlaifÙk;k¡ Hkh vla[; rjhdksa ls vFkZO;oLFkk dks
tks deh dks n”kkZrs gSA o’kZ ds nwljs Hkkx esa] vkSj 2019
çHkkfor djuk “kq: dj nsrh gSa] ftlesa okafNr {ks= tSls
vkSj 2020 ds iwokZuqeku Øe”k% 0-4 çfr”kr vad vkSj
cqfu;knh <k¡ps esa NksVh cpr dks “kkfey djuk] iw¡th
0-1 çfr”kr fcanq dks vafdr djrs gSaA orZeku iwokZuqeku
cktkjksa dh ifjiDork] iw¡th cktkjksa dks ckbZ ,aM gksYM
esa ;g vuqeku yxk;k x;k gS fd oSf”od o`f) 2019
j.kuhfr;ksa }kjk fLFkj j[kuk vkfn “kkfey gS A
dh igyh Nekgh esa de gks tk,xh vkSj mlds ckn
tSlk fd oSf”od vkSj ?kjsyw fodkl tSls o`f) nj]
o`f) gksxh A
oLrqvksa dh dhersa] eqækLQhfr vkfn lHkh çdkj ds
o’kZ 2019 ds nwljs Hkkx esa vuqekfur xfrphu esa
foÙkh; cktkjksa ij çHkko Mkyrs gSa] tSls fd bfDoVh
uhfrxr çksRlkgu ds gkfy;k fcYM&vi] oSf”od foÙkh;
cktkj] th&lsd cktkj ;k c‚UM cktkj] ;g oLrqvksa
cktkj dh /kkj.kk esa gkfy;k lq/kkj] ;wjks {ks= esa o`f) esa
dh mR—’Vrk ij fuHkZj gS ftlds }kjk oSf”od vkSj
dqN vLFkk;h ?k’kZ.k dh deh] vkSj vtsaZVhuk vkSj rqdhZ
?kjsyw isa”ku cktkjksa esa fodkl dh leh{kk djus ls igys
lfgr mHkjrh cktkj vFkZO;oLFkkvksa esa ifjfLFkfr;ksa ds
mUgsa oSf”od vkSj ?kjsyw vFkZO;oLFkk ij rhoz –f’V j[kuh
Øfed fLFkjhdj.k ij vk/kkfjr gSA mHkjrs gq, cktkj
pkfg,A
vkSj fodkl”khy vFkZO;oLFkkvksa ds fy, csgrj xfr
1-1 oSf’od vkfFkZd ifj–’; dh lkekU; leh{kk
2020 esa tkjh jgus dk vuqeku gS] vFkZO;oLFkkvksa esa
eq[; :i ls fodkl dks n”kkZrk gS ftUgsa orZeku esa
varjkZ’Vªh; eqæk dks’k ¼vkbZ,e,Q½ us vius fo”o vkfFkZd
O;kid vkfFkZd ladV –tks mYys[kuh; vfuf”prrk dk
ifj–”; ¼MCY;wbZvks½] vçSy 2019 esa crk;k fd o’kZ
,d iwokZuqeku gS] dk lkeuk djuk iM+ jgk gS A
2017 esa vkSj 2018 dh “kq#vkr esa etcwr o`f) ds lkFk]
20okf"kZd fjiksVZ | 2018-19
o’kZ 2020 ds ckn] oSf”od fodkl e/;e vof/k ls yxHkx 1-1-2 eqækLQhfr%
3-6 çfr”kr dh Å¡pkbZ ij tk,xk] vFkZO;oLFkkvksa
eqækLQhfr ,d o’kZ ls vxys o’kZ rd dherksa esa
ds lkis{k vkdkj esa fujarj o`f)] tSls fd phu vkSj
o`f) dh ço`fÙk gSA ,d vkfFkZd vo/kkj.kk gS fd]
Hkkjr] ftudk /kheh xfr ls c<+us okyh mUur vkSj
eqækLQhfr dh nj egRoiw.kZ gS D;ksafd ;g ml nj dk
mHkjrh cktkj vFkZO;oLFkkvksa dh rqyuk esa etcwr o`f)
çfrfuf/kRo djrh gS ftl ij ,d fuos”k dk okLrfod
dk vuqeku gSA mHkjrs gq, ,f”k;k ds fy, vk/kkjHkwr
ewY; A ;g le; ds lkFk fdlh O;fä dh Ø; “kfä
–f’Vdks.k vuqdwy cuk gqvk gS ] phu dh o`f) /khjs&/khjs
fu/kkZfjr djus esa enn djrk gS A eqækLQhfr ;g Hkh
LFkk;h Lrj dh vksj c<+us vkSj lhekar vFkZO;oLFkkvksa ds
crkrh gS fd fuos”kdksa dks vius thou Lrj dks cuk,
leku mPp vkenuh ds Lrj dh vksj c<+us dk vuqeku
j[kus ds fy, okLro esa muds fuos”k dks fdruk fjVuZ
gSA vU; {ks=ksa ds fy,] –f’Vdks.k lajpukRed ck/kkvksa]
¼çfr”kr ekeys esa½ çnku djus dh vko”;drk gSA
mUur vFkZO;oLFkk ds /khes fodkl vkSj] dqN ekeyksa
blfy,] fjVuZ dh okLrfod nj dks çkIr djus ds
esa] mPp _.k vkSj rax foÙkh; fLFkfr;ksa ds la;kstu ls
fy, isa”ku dh ifjdYiuk djrs le; vfuok;Z :i ls
tfVy gSA
eqækLQhfr dh nj dks /;ku esa j[kuk gksxkA fjiksVZ ds
isa”ku fuf/k;ksa dk foÙkh; fodkl ij ek=kRed vkSj vuqlkj] miHkksäk egaxkbZ nj mUur vFkZO;oLFkkvksa esa
xq.kkRed nksuksa çHkko iM+rs gSaA ek=kRed :i ls] isa”ku nc dj jg xbZA dqN mHkjrh gqbZ cktkj vFkZO;oLFkkvksa
fuf/k;ka foÙkh; cktkjksa esa iw¡th vkiwfrZ dks c<+krh gSa A ds fy,] mPp ?kjsyw dherksa ls eqæk ewY;ºzkl gqvk gS]
xq.kkRed :i ls] isa”ku fuf/k;ksa ds çca/ku laxBu oLrq dh de dherksa ls vkaf”kd :i ls uhps dh vksj
ncko c<+k gSA
laLFkkxr fuos”kd gSa tks d‚iksZjsV ç”kklu vkSj lwpuk
çdVhdj.k dks çHkkfor djrs gSa vkSj blfy, foÙkh; vf/kdka”k ns”kksa ds fy,] fiNys nks o’kksaZ esa ?kjsyw ekax
cktkj LFkkfir djus esa enn djrs gSaA esa vkbZ rsth tks la;qä jkT; vesfjdk vkSj ;wukbVsM
fdaxMe esa] ;g 2 çfr”kr ds djhc gS] ds ckotwn ewy
1-1-1 oSf’od oLrq ewY;%
eqækLQhfr dsaæh; cSad ds y{; ls dkQh uhps gS A
MCY;wbZvks dh ,d fjiksVZ ds vuqlkj vDVwcj 2018 mUur vFkZO;oLFkkvksa esa osru o`f) vf/kd jgh gS ;|fi
ds fy, lanHkZ vof/k ds chp oSf”od ÅtkZ dh dherksa la;qä jkT; vesfjdk vkSj ;wukbVsM fdaxMe esa] fo”ks’k
esa 17 çfr”kr dh fxjkoV vkbZ vkSj rsy dh dhersa :i ls de csjkstxkjh nj vkSj de Je cktkj dh
vDVwcj esa pkj lky ds mPpre Lrj 81 M‚yj deh ds ckotwn ;g /kheh gSA ean iM+s lexz ewY; vkSj
çfr cSjy ls fxjdj Qjojh esa 61 M‚yj gks xbZA osru ds nckoksa ds lkFk] vkSj laHkor% fodkl dh xfr
gkykafd dqN ns”kksa esa bZjkuh rsy fu;kZr ij vesfjdh /kheh gksus ls] mUur vFkZO;oLFkkvksa esa eqækLQhfr dh
çfrca/kksa }kjk mYys[kuh; :i ls vLFkk;h rkSj ij mEehn cuh gqbZ gSa] vkSj] dbZ ekeyksa esa] gky gh esa
vkiwfrZ çHkkfor dh xbZ gS vkSj vesfjdh dPps rsy uje gks xbZ gSaA mHkjrh cktkj vFkZO;oLFkkvksa ds chp]
ds mRiknu dks mPp fd;k& ftlls oSf”od fodkl phu esa eq[; eqækLQhfr 2 çfr”kr ls uhps cuh gqbZ
detksj gqvk vkSj 2018 ds var esa dherksa ij fxjkoV gS D;ksafd xfrfof/k esa deh vkbZ gSA vU; ekeyksa esa]
dk ncko cM+kA o’kZ 2018 dh “kq#vkr ds ckn ls rsy eqækLQhfr ncko dsaæh; cSad dh y{; lhek ds fupys
fu;kZrd ns”kksa }kjk mRiknu esa dVkSrh ds dkj.k rsy fgLls rd de gqvk gS tks fd oLrq ewY;ksa esa deh vkSj
dh dherksa esa lq/kkj vk;kA oSf”od ekax esa fxjkoV dks [kk| eqækLQhfr ¼Hkkjr½ esa deh ds dkj.k gqvk gSA
larqfyr djus ls vf/kd dqN /kkrq cktkjksa esa vkiwfrZ dqN vFkZO;oLFkkvksa ds fy,] mPp ?kjsyw dherksa ls eqæk
O;o/kku ds ifj.kkeLo#i vxLr ds ckn ls ewy /kkrqvksa ewY;ºzkl gqvk gS] oLrq dh de dherksa ls vkaf”kd :i
dh dherksa esa 7-6 çfr”kr ls o`f) gqbZ gS A ls uhps dh vksj ncko c<+k gSA
21PaHkrktx- IIV
pkVZ 1-1 oSf’od eqnzkLQhfr
lzksr% vkbZ,e,Q] MCY;wbZvks fjiksZV vizSy 2019
1-1-3 os’fod vkfFkZd ifjos’k nkSjku jkf’Vªd çfrQyksa dk ,d O;kid foLrkj gqvk]
ysfdu ;g ladqfpr gks x;kA czkthy esa] ubZ ljdkj ds
,d vU; çeq[k eqækvksa ds lkis{k jk’Vªh; eqæk dh
rgr isa”ku lq/kkj dh laHkkoukvksa ds ckjs esa vk”kkokn
fofue; nj dk irk j[kuk egRoiw.kZ gSA D;ksafd]
ds chp vDVwcj ls çlkj esa fxjkoV vkbZ gSA vtsaZVhuk
ns”kksa ds chp f}i{kh; O;kikj laca/kksa ds dkj.k jk’Vªh;
vkSj rqdhZ esa foÙkh; vlarqyu ij jksd yxkus ds fy,
vFkZO;oLFkk ij bldk lh/kk vlj iM+rk gSA vfLFkj
py jgs lek;kstu ds ckn] nksuksa ds fy, çlkj esa dqN
fofue; nj vfLFkj vFkZO;oLFkk dk dkj.k curh gSa
gn rd fxjkoV vkbZ gS ysfdu mUur cuk gqvk gSA bl
;g ns”k ds vk;kr vkSj fu;kZr dh ykxr dks çHkkfor
lky tksf[ke dh /kkj.kk esa lq/kkj ds lkFk] mHkjrs cktkj
djrh gSA blfy,] fofue; njsa ns”k dh foÙkh; fLFkfr
bfDoVh baMsDl us 2018 ds var esa gq, dqN uqdlkuksa dks
esa egRoiw.kZ Hkwfedk fuHkkrh gSaA
Bhd dj fy, gS vkSj vc vf/kdrj ekeyksa esa vDVwcj
MCY;wbZvks dh fjiksVZ ds vuqlkj] 2019 dh “kq#vkr esa ds Lrj dks ikj dj x, gSaA
mHkjrs cktkjksa esa foÙkh; fLFkfr csgrj gqbZ gS] ysfdu
bfDoVht+] ckaM~l vkSj laifÙk tSlh vkfLr;ksa us fiNys
vDVwcj] 2018 dh rqyuk esa dqN gn rd dBksj jgh gSA
dqN o’kksZa esa vf/kd oSf”od jkg idM+h gS D;ksafd
dbZ mHkjrh cktkj vFkZO;oLFkkvksa ¼fpyh] baMksusf”k;k]
isa”ku fuf/k;ksa us tksf[ke dks mBkuk izkjaHk fd;k gS A
esfDldks] fQyhihal vkSj nf{k.k vÝhdk½ esa lsaVªy cSad
blds ifj.kke Lo:i] fuos”k <kapsa esa izca/ku ds v/khu
us vDVwcj] 2018 ls uhfr njksa dks cM+k fn;k gS] bl
ifjlaifÙk;ksa dk eqnzk fuos”k ,d egÙoiw.kZ dkjd cu
fpark ds dkj.k fd 2018 esa rsy dh dherksa esa o`f)
x;k gSA isa”ku ;kstukvksa ij eqnzk ds mrkj p<+ko dk
vkSj dqN ns”kksa esa iwoZ eqæk ewY;ºzkl ds ifj.kke Lo#i
izHkko] fuos”kd ds mn~ns”;ksa dks iwjk djus esa tksf[ke
eqækLQhfr c<+ ldrh gSA phu esa] dsaæh; cSad us rjyrk
mRiUu dj ldrk gSA
leFkZu çnku fd;k vkSj lHkh cSadksa ds fy, vkjf{kr
1-1-4 ckWUM vkSj bfDoVh cktkj
fuf/k vis{kkvksa dks de dj fn;k] bl çdkj o`f) dks
fu;af=r fd;k x;kA
yxHkx lHkh foÙkh; ifjlaifÙk;ka fuos”k ds volj çnku
nh?kZdkfyd jkf’Vªd çfrQy vkSj mUur vFkZO;oLFkkvksa djrh gSa] blfy, ,QvkbZvkbZ] cSad vkSj fuos”kd tksf[ke
ij ifjO;kfIr vDVwcj ds Lrj ij okil vk x, gSaA dks de djus ds fy, vius foHkkxksa esa fofo/krk ykus
eSfDldks esa] u, ç”kklu ds rgr uhfrxr myVQsj dh dh dksf”k”k djrs gSaA os vkerkSj ij vius iksVZQksfy;ks
fparkvksa ds dkj.k uoacj] 2018 vkSj fnlacj] 2018 ds esa çfrHkwfr;ksa dks “kkfey djrs gSa] çfrHkwfr;ksa esa LV‚d
22okf"kZd fjiksVZ | 2018-19
vkSj c‚UM “kkfey gksrs gSa vkSj oSf”od Lrj ij dkjksckj pkVZ 1-2 nl o"khZ; ljdkjh ckaM ifj.kke
fd;k tkrk gS] blfy, ckaM vkSj bfDoVh ds fy, ¼çfr’kr½
varjkZ’Vªh; cktkj dk ?kjsyw cktkjksa ij Hkh egRoiw.kZ
“kq:vkrh 2019 esa mHkjrs cktkj vFkZO;oLFkkvksa esa
çHkko iM+rk gS vkSj blfy, bldh tkudkjh j[kus dh
lq/kkj vk;k] tks fd fof”k’V ns”kxr ekSfyd rRoksa ds
vko”;drk gksrh gSA
dkj.k vFkZO;oLFkkvksa dh fHkUurk ds lkFk gSaA
vçSy 2019 dh vkbZ,e,Q MCY;wbZvks fjiksVZ ds vuqlkj
] 2018 ds var esa foÙkh; fLFkfr;ksa esa mYys[kuh;
dBksjrk ds ckn ] 2019 dh “kq#vkr esa cktkj dh
/kkj.kk esa rsth vkbZ gSA 2018 ds var dh fLFkfr ds
dkj.k oSf”od o`f) dks /khek djus ds ladsr] e/;e
:i ls de mNky okyh d‚iksZjsV vk;] vkSj QsMjy
fjtoZ uhfr dh xfr ds ckjs esa cktkj dh fparkvksa
dks de fd;k x;kA bfDoVh ewY; esa fxjkoV vkSj
mPp tksf[ke çlkj gksus ij 2018 ds vafre eghuksa esa
lzksr% MCY;wbZvks fjiksZV vizSy 2019
rsth ls etcwr gksus ds ckn] mUur vFkZO;oLFkkvksa esa
vk/kkj vad uhps gSA brkfy;u teZu caMksa esa çlkj]
foÙkh; fLFkfr;ksa us o’kZ dh “kq#vkr ls lq/kjh gSA ekpZ
ekpZ ds var ds yxHkx 250 vk/kkj vad Fks] tks muds
dh “kq#vkr esa] fLFkfr;ka vDVwcj dh rqyuk esa FkksM+h
vDVwcj var vkSj “kq:vkrh uoEcj ls de gq,] ysfdu
dBksj Fkh] ysfdu T;knkrj ekeyksa esa] vHkh Hkh O;ofLFkr
mUur cus jgs A la;qä jkT; vesfjdk vkSj ;wjksi esa
FkhaA ;g fo”ks’k :i ls la;qä jkT; esa ekeyk gS] tgka
bfDoVh cktkjksa us 2018 ds var esa rst foØ; ds
ckaM dh iSnkokj esa fxjkoV vkbZ gS D;ksafd fuos”kdksa us
ckn fQj ls iSj tek fy;k gS] tcfd mPp&ifj.kke
ekSfæd uhfr ds lkekU;hdj.k ds fy, –f’Vdks.k dks
okys d‚iksZjsV çlkj gS ] tks fnlacj esa egRoiw.kZ :i
vk”oLr fd;kA
ls fo?kfVr gks x,] ysfdu ckn esa vDVwcj dh rqyuk
vesfjdh QsMjy fjtoZ us uhfr ds lkekU;hdj.k ds esa O;kid cus gq, gSA mHkjrs cktkjksa esa foÙkh; fLFkfr
2019 dh “kq#vkr esa lq/kjh gS ysfdu vDVwcj dh rqyuk
fy, ,d la;eh vkSj yphys –f’Vdks.k dk lq>ko
esa dqN gn rd dBksj gSA
fn;k] vkSj QsMjy vksiu ekdsZV desVh dh ekpZ
dh cSBd esa] bl o’kZ ds fy, viuh C;kt njksa esa isa”ku fuf/k iksVZQksfy;ks yacs le; rd j[ks tkrs gS]
o`f) dk ladsr fn;kA ;wjksih; lsaVªy cSad] ftlus tks yacs le; ds fy, foÙkh; ckt+kj dks izpqj ek=k es a
fnlacj esa viuh “kq) laifÙk [kjhn dks lekIr fd;k] /ku iznku djrs gSa] tks vkxs pydj foÙkh; ckt+kjksa dh
ekpZ esa yf{kr cSad foÙkiks’k.k ds ,d u, nkSj dh fLFkfjrk ds fy, vPNk lkfcr gksrk gSA
?kks’k.kk dh vkSj vkxs bl o’kZ ds de ls de var esa uhfr
cM+s laLFkkxr fuos”kdksa ds :i esa isa”ku fuf/k;ka cM+h
njksa esa o`f) dks LFkfxr dj fn;kA cSad v‚Q baXySaM
“ks;j/kkjd Hkh gSaA dkWiksZjsV iz”kklu ij laLFkkxr
vkSj cSad v‚Q tkiku us rsth ls –f’Vdks.k ij vf/kd
fuos”kdksa ds ldkjkRed izHkkoksa dk ifj.kke “ks;j ckt+kj
lrdZ fopkj j[ks gSa A bl cnyko ds vuq:i] mUur
esa fuos”k fjVUkZ esa gksrk gS] tks ,d ckj fQj ls foÙkh;
vFkZO;oLFkk laçHkq çfrHkwfr;ksa ¼fo”ks’k :i ls] 10&o’khZ;
ckt+kjksa esa fuos”kdksa dk fo”okl c<+krk gSA ;g nh?kkZof/k
vesfjdh jktdks’kh; uksVl] teZu ckaM~l] ;wdsfxYV~l½
esa isa”ku fuf/k;ksa ds fjVUkZ dks Hkh izHkkfor djrk gSA
us Hkfo’; dh uhfr njksa ds fy, de dhersa r; dh gSa
vkSj lkekU; rkSj ij “kq:vkrh uoacj] 2018 ds 40&80
23PaHkrktx- IIV
,QvkbZvkbZ] Hkkjr esa bfDoVh vkSj _.k ckt+kjksa tSls ds lkFk 1-9 çfr”kr uje gksus dk vuqeku gSA o’kZ
foÙkh; lwpdkadksa ds izn”kZu esa ,d izeq[k Hkwfedk fuHkkrs 2019 ds fodkl esa v/kksxkeh la”kks/ku] ljdkjh dke
gSaA vesfjdk tSlh mUur vFkZO;oLFkkvksa esa foÙkh; canh ds çHkko vkSj iwoZ esa visf{kr ls de jktdks’kh;
ckt+kjksa dk izn”kZu] fons”kh laLFkkxr fuos”kdksa dh fn”kk [kpZ dks n”kkZrk gS] tc fd o’kZ 2020 ds fy, e/;e
dks izHkkfor djrk gS& mUur ckt+kjksa ds fy, ;k m/kZ~oxkeh la”kks/ku] vDVwcj iwokZuqeku ls ekSfæd uhfr dh
muls vyx vkSj blfy, mudh tkudkjh j[kus dh vf/kd mnkj fLFkfr dks n”kkZrk gSA v/kksxkeh la”kks/ku
vko”;drk gSA ds ckotwn] o’kZ 2019 ds fy, foLrkj dh vuqekfur
xfr vesfjdh vFkZO;oLFkk dh vuqekfur fodkl nj ls
1-1-5 o"kZ 2019 ds fy, oSf’od o`f) –f"Vdks.k
Åij gSA etcwr ?kjsyw ekax o`f) mPprj vk;r dk
MCY;wbZvks fjiksVZ ds vuqlkj mUur vFkZO;oLFkkvksa esa leFkZu djsxh vkSj pkyw [kkrk ?kkVs dks Bhd djus esa
fodkl o’kZ 2018 ds 2-2 çfr”kr ls o’kZ 2019 esa 1-8 ;ksxnku nsxhA
çfr”kr vkSj o’kZ 2020 esa 1-7 çfr”kr gksus dhA o’kZ
tkiku dh vFkZO;oLFkk dk o’kZ 2019 esa 1-0 çfr”kr
2018 ds fy;s vuqekfur fodkl nj vkSj o’kZ 2019 ds
¼vDVwcj MCY;wbZvks ls 0-1 çfr”kr vf/kd½ ls c<+us
fy;s vuqeku vDVwcj] 2017 MCy;wbZvks fjiksVZ ls 0-2
dk vuqeku gSA ;g la”kks/ku bl o’kZ esa vfrfjä
çfr”kr vkSj 0-3 çfr”kr Øe”k% de gS] vf/kdrj ;wjks
foÙkh; leFkZu dks n”kkZrk gS] ftuesa vDVwcj 2019 esa
{ks= ds fy;s v/kksxkeh la”kks/ku dks n”kkZrk gSA o’kZ 2018
fu;ksftr miHkksx dj nj esa o`f) ds çHkko dks de
dh oSf”od fodkl esa vuqekfur eanh dh rqyuk esa o’kZ
djus ds mik; “kkfey gSaA o’kZ 2020 esa o`f) nj 0-5
2019 esa mUur vFkZO;oLFkkvksa esa vuqekfur eanh mldh
çfr”kr ¼vDVwcj 2018 dh MCY;wbZvks fjiksVZ dh rqyuk
nks frgkbZ gksxhA
esa 0-2 çfr”kr vf/kd½ ls e/;e gksus dk vuqeku gSA
;wjks {ks= esa fodkl o’kZ 2018ds 1-8 çfr”kr ls o’kZ 2019 1-1-6 mHkjrs cktkj vkSj fodkl’khy vFkZO;oLFkk,a
esa 1-3 çfr”kr ¼vDVwcj esa vuqekfur çfr”kr ls 0-6
mHkjrh vkSj fodkl”khy vFkZO;oLFkk,a ,QvkbZvkbZ
çfr”kr de½ vkSj o’kZ 2020 esa 1-5 çfr”kr jgus dk
¼fons”kh laLFkkxr fuos”kdksa½ ds fy, Hkkjrh; cktkjksa ds
vuqeku gSA gkykafd] o’kZ 2019 ds igys Hkkx esa fodkl
fodYi gSa vkSj blfy, vius lkfFk;ksa dk irk j[kuk
ds nksckjk ls Bhd gksus dk vuqeku gS D;ksafd vLFkk;h
egRoiw.kZ gS] fo”ks’k :i ls phu] tks fd vFkZO;oLFkk
dkjd tks fØ;kdykiksa dks fcxkM+rs gSa o’kZ 2018 dh
vkSj fons”kh O;kikj ds fo”kky vkdj ds dkj.k oSf”od
dfe;ksa vkxs c<+k, x, gSa vkSj o’kZ 2019 dh fodkl
lef”V vkfFkZd ekudksa dks çHkkfor djus esa l{ke gSA
nj dks /khek j[kus dk vuqeku gSA dbZ vFkZO;oLFkkvksa
MCY;wbZvks dh fjiksVZ ds vuqlkj] o’kZ 2019 esa oSf”od
ds fy, fodkl nj esa fxjkoV ns[kh xbZ] fo”ks’k :i ls
o`f) dks mHkjrs cktkjksa vkSj fodflr vFkZO;oLFkkvksa
teZuh ¼futh [kir esa ujeh ds dkj.k] v‚Vks mRltZu
okys lewg ls ekik tkrk gS] tgk¡ fodkl o’kZ 2019 esa
ekudksa dh “kq#vkr ds dkj.k detksj vkS|ksfxd
4-4 çfr”kr ¼o’kZ] 2018 ds 4-5 çfr”kr ls½ gksus dk
mRiknu½( bVyh ¼detksj ?kjsyw ekax] D;ksafd jkf’Vªd
vuqeku gS] vDVwcj 2018 MCY;wbZvks ls 0-3 çfr”kr
çfrQy vf/kd jgrs gSa½( vkSj Ýkal ¼lM+d fojks/kksa ds
de o’kZ 2018 dh rqyuk esa fodkl esa fxjkoV] phu
udkjkRed çHkko ds dkj.k½A o’kZ 2019&20 esa ;wukbVsM
dh de o`f) vkSj rqdhZ dh eanh] tks fd o’kZ 2018 ds
fdaxMe dh 1-2 çfr”kr vkSj 1-4 çfr”kr o`f) dk
var esa detksj xfrfof/k ds vkxs c<+us vkSj lkFk gh
vk/kkjHkwr vuqeku vfuf”prrk ls f?kjk gqvk gSA
lkFk bZjku esa xgjs ladqpu dks n”kkZrh gSA o’kZ 2019 ds
la;qä jk’Vª esa] o’kZ 2019 esa fodkl nj 2-3 çfr”kr
nkSjku ifjfLFkfr;ksa ds Bhd gksus dk vuqeku gS D;ksafd
ls fxjus vkSj vkxs o’kZ 2020 esa] jktdks’kh; çksRlkgu
24okf"kZd fjiksVZ | 2018-19
çsjd mik; phu esa xfrfof/k;ksa dks cuk, j[krs gSa ds iwokZuqeku vDVwcj 2018 MCY;wbZvks dh rqyuk esa
vkSj eanh ds nkSjku /khjs&/khjs vtsaZVhuk vkSj rqdhZ tSlh o’kZ 2019 ds fy, 0-1 çfr”kr vkSj o’kZ 2020 ds fy,
vFkZO;oLFkkvksa esa de gks tkrs gSa A 0-2 çfr”kr Øe”k% ls de gksxkA o’kZ 2020 esa okilh
djus ls iwoZ] vusd dsUæh; vkSj iwohZ ;wjksih; ns”kksa esa
o’kZ 2020 esa] o`f) 4-8 çfr”kr c<+us dh laHkkouk gS] tks
lkekU;rkSj ij çlUufpÙk vkSj vuqeku ls vf/kd o`f)
fd fo”ks’k :i ls bu vFkZO;oLFkkvksa esa uhfr lek;kstu
ds ckotwn] o’kZ 2019 esa mHkjrs vkSj fodflr ;wjksi esa
vkSj fojks/k ,oa Hkw jktuSfrd ruko ds dkj.k çHkkfor
iwokZuqekfur dh rqyuk esa derj gksus dh laHkkouk gSA
ns”kksa esa ruko dks de djus ds fy, visf{kr etcwr
xfrfof/k;ksa ds dkj.k lEiw.kZ :i ls lapkfyr gS A mUur 1-2 ?kjsyw vFkZ’kkL=
vFkZO;oLFkkvksa esa fodkl esa fxjkoV ds lkFk] o’kZ 2020
1-2-1 Hkkjr esa lef"V&vFkZ’kkL= fodkl
esa oSf”od fodkl esa vuqekfur xfr mHkjrs cktkj vkSj
fodkl”khy vFkZO;oLFkk lewg ds fy, bl vuqekfur
Hkkjr nqfu;k esa lcls rsth ls c<rh çeq[k vFkZO;oLFkk
lq/kkj ij iwjh rjg ls lefiZr gSA mHkjrs cktkjksa
ds :i esa mHkjk gS vkSj vxys 10&15 o’kksaZ esa nqfu;k
vkSj fodkl”khy vFkZO;oLFkkvksa ds lkFk&lkFk oSf”od
dh rhu cM+h vkfFkZd “kfä cuus dh laHkkouk gS] tks
fodkl ds fy, ldy fodkl dk leFkZu djus esa phu
fd vius etcwr yksdra= vkSj lk>snkjh }kjk lefFkZr
vkSj Hkkjr tSlh rsth c<+rh vFkZO;oLFkkvksa us egRoiw.kZ
gSA bduksfed losZ v‚Q bafM;k dh fjiksVZ ds vuqlkj]
Hkwfedk fuHkkbZ gSA mHkjrs cktkj vkSj fodkl”khy ,f”k;k
Hkkjr 2018&19 esa] thMhih o`f) esa 2017&18 dh 7-2
esa fodkl o’kZ 2019 vkSj 2020 esa 6-3 çfr”kr ¼o’kZ 2018
çfr”kr ls o’kZ 2018&19 dh 6-8 dh FkksM+h e/;erk
ds 6-4 ls½ ls uhps gksus dk vuqeku gS] vDVwcj MCY;wbZvks
ds ckotwn nqfu;k esa lcls rsth ls c<rh çeq[k
ds lkis{k o’kZ 2020 ds fy, lhekUr v/kksxkeh la”kks/ku
vFkZO;oLFkk cuh gqbZ gSA nwljh vksj] fo”o ifj.kke o`f)
ds lkFk gSA phu esa] jktdks’kh; çksRlkgu ds ckotwn
o’kZ 2017 ds 3-8 çfr”kr ls de gksdj o’kZ] 2018 esa
vkSj la;qä jk’Vª ls flrEcj 2018 rd fØ;k”khy ds
3-6 çfr”kr gks xbZA o’kZ 2018 esa fo”o vFkZO;oLFkk
lkis{k “kqYdksa esa fcuk fdlh vfxze o`f) ds vkfFkZd
vkSj mHkjrs cktkj vkSj fodflr vFkZO;oLFkkvksa
o`f) o’kZ 2019 vkSj 2020 esa okf’kZd vk/kkj ij /khes gksus
¼bZ,eMhbZt½ esa fxjkoV us vesfjdh&phu O;kikj o`f)]
dh laHkkouk gSA ;g o’kZ 2018 esa detksj varfuZfgr
vkSjcM+h mUur vFkZO;oLFkkvksa esa ekSfæd uhfr ds
fodkl dks] fo”ks’k:i ls nwljs Hkkx esa] vkSj la;qä jk’Vª
lkekU;hdj.k ds lkFk&lkFk foÙkh; ladV dk vuqlj.k
vesfjdk ds lkFk O;kikj ruko dks n”kkZrk gSA o’kZ 2019
fd;kA o’kZ] 2019 tc fo”o vFkZO;oLFkk vkSj bZ,eMhbZt
ds fy, vuqeku] vDVwcj 2018 MCY;wbZvks ls FkksM+k
dk 0-3 vkSj0-1 çfr”kr Øe”k% ls de gksus dk vuqeku
vf/kd etcwr gS] tks phuh fu;kZrksa ij la;qä jk’Vª
gS] Hkkjrh; vFkZO;oLFkk esa o`f) dk vuqeku gSA Hkkjr
“kqYdksa dh la”kksf/kr /kkj.kk dks n”kkZrk gSA
oSf”od vFkZO;oLFkk dk 30 çfr”kr Hkkx vius uke
Hkkjr esa] o’kZ 2019 esa o`f) 7-3 çfr”kr ls c<+h vkSj djrk gS] ftldh o`f) dk o’kZ 2019 esa fxjkoV dk
o’kZ 2020 esa 7-5 çfr”kr ls c<+us dk vuqeku gS] vuqeku ugha gS ¼fo”o vkfFkZd ifj–”; ¼MCY;wbZvks½]
tks fd ekSfæd uhfr ds vf/kd foLrkjoknh :[k vkSj vçSy 2019 dk vkbZ,e,Q½A Hkkjr] ekStwnk vesfjdh
jktdks’kh; uhfr ls dqN visf{kr çsjdksa ds chp fuos”k M‚yj esa ldy ?kjsyw mRikn ¼thMhih½ ds ekeys esa
vkSj etcwr [kir dh fujarj okilh ls lefFkZr gksxh A lcls cM+h lkroha vFkZO;oLFkk vkSj lcls rsth ls c<+us
fQj Hkh] jk’Vªh; [kkrksa ds vkadM+ksa esa gkfy;k la”kks/ku okyh cM+h vFkZO;oLFkk gS A Hkkjr dh vkSlr o`f) nj]
tks dqN uje varfuZfgr xfr dks n”kkZrk gS] fodkl phu ls o’kZ 2014&15 ls o’kZ 2017&18 rd u dsoy
25PaHkrktx- IV
I
vf/kd Fkh cfYd vU; “kh”kZ vFkZO;oLFkkvksa ls Hkh cgqr Hkkjrh; vFkZO;oLFkk ds fofuekZ.k Hkkx dks c<+kus ds mís”;
vf/kd FkhA Ø; “kfä lerk ¼ihihih½ lek;kstu ds ds lkFk gqbZ gS ftlds }kjk vkSlr Hkkjrh; xzkgd dh
lkFk] Hkkjr dh thMhih ekStwnk varjkZ’Vªh; M‚yj esa] Ø; “kfä dks c<k;k tk lds] ftlds }kjk vkxs ekax
fo”o esa rhljs LFkku ij gSA o’kZ 2018&19 esa] Hkkjrh; dks c<+k;k tk lds] vkSj blds ifj.kkeLo#i] fuos”kdksa
vFkZO;oLFkk 6-8 çfr”kr ls c<+h] vkSj bl çdkjls iwoZ dks ykHkkfUor djus ds lkFk fodkl dh çsj.kk feys A
o’kZ dh rqyuk esa o`f) esa dqN e/;erk fn[khA vusd blds vfrfjä] ljdkj fMftVy bafM;k igy dks
fons”kh daifu;ka Hkkjr esa esd bu bafM;k vkSj fMftVy ysdj vkbZ gS] tks fMftVy <k¡ps ds fuekZ.k] fMftVy
bafM;k tSls ljdkjh dk;ZØeksa ds fy, viuh lqfo/kk,a :i ls lsok,a çnku djus vkSj fMftVy lk{kjrk c<+kus
çnku dj jgh gSaA esd bu bafM;k dk;ZØe dh “kq#vkr ij dsfUær gSA
pkVZ 1-3 eqækLQhfr nj lhihvkbZ vkSj MCY;wihvkbZ o"kZ nj o"kZ vk/kkj ij uhps fn, x, gSa %
:
lzksr% lh,lvks] MhvkbZihih vkSj
www.data.gov-in
1-2-2 eqækLQhfr oLrq eqækLQhfr] ftlus lhihvkbZ&lh esa 76-6 çfr”kr
Hkkx vius uke fd;k] foÙk o’kZ 2017&18 ds nkSjku 3-2
bduksfed losZ v‚Q bafM;k dh fjiksVZ ds vuqlkj
çfr”krdh rqyuk esa foÙk o’kZ 2018&19 esa 2-6 çfr”kr
gSMykbu eqækLQhfr us yxkrkj ikaposa foÙkh; o’kZ ds
jgh A blds foijhr lsok,a lEcU/kh eqækLQhfr] tks 23-4
fy, viuh fxjkoV tkjh j[khA fiNys nks o’kksaZ esa
çfr”kr Hkkx dk dkj.k jgk] usfoÙk o’kZ 2017&18 ds
;g 4-0 çfr”kr ls uhps jgk gSA miHkksäk [kk| ewY;
5-0 çfr”kr dh rqyuk esa foÙk o’kZ 2018&19 ds nkSjku
lwpdkad ¼lh,QihvkbZ½ ij vk/kkfjr [kk| eqækLQhfr esa
6-3 çfr”kr Hkkx vius uke fd;k A
fiNys ikap o’kksaZ esa fxjkoV vkbZ gS] vkSj fiNys nks o’kksaZ
pkVZ 1-4% foÙk o"kZ 2017&18 vkSj foÙk o"kZ
ls 2-0 çfr”kr ls uhps cuh gqbZ gSA Fkksd ewY; lwpdkad
2018&19 esa xfr uhps çnf’kZr dh xbZ gS %
¼MCY;wihvkbZ½ ij vk/kkfjr eqækLQhfr o’kZ 2014&15 ds
1-2 çfr”kr] o’kZ 2015&16 ds ¼&½ 3-7 çfr”kr vkSj o’kZ
2016&17 ds 1-7 çfr”kr dh rqyuk esa o’kZ 2017&18 esa
3-0 çfr”kr ds lkFk e/;e jgh A foÙk o’kZ 2018&19
ds vuqlkj MCY;wihvkbZ eqækLQhfr 4-3 çfr”kr jgh A
vf[ky Hkkjrh; Lrj ij] o’kZ 2018&19 ds nkSjku
lhihvkbZ&lh eqækLQhfr fofHkUu lewgksa ds dkj.k Fkh
ftuesa vkokl ds lkFk&lkFk bZa/ku vkSj fctyh lewg gS A
26okf"kZd fjiksVZ | 2018-19
fuEufyf[kr pkVZ MCY;wihvkbZ vkSj lhihvkbZ esa o’kZ ds lkFk&lkFk QsMjy fjtoZ }kjk ekSfæd uhfr dks dBksj
nj o’kZ ifjorZu n”kkZrk gS] ;g ntZ fd;k x;k fd djus dh vk”kk ds lkFk] f}rh; vkSj r`rh; f}&ekfld
%
vafre o’kZ ds twu] 2018 eghus esa MCY;wihvkbZ 5-68 ekSfæd uhfr oäO; esa ,eihlh us uhfrxr jsiks nj dks
%
çfr”kr ls Åij x;k] tgk¡ U;wure ifjorZu tuojh] 25 vk/kkj vad ls c<+kus dk QSlyk fd;k x;kA pkSFks
%
2019 esa 2-76 ds :i esa ntZ fd;k x;kA lhihvkbZ us vkSj ikapos ekfld ekSfæd uhfrxr oäO; esa vlkekU;
%
vf/kdre ifjorZu ¼o’kZ nj o’kZ½ twu] 2018 ds eghus derj [kk| ewY;x.kuk dh fu;ferrk vkSj mHkjrs gq,
%
esa tcfd U;wure 1-97 ds :i esa tuojh] 2019 esa gsMykbu eqækLQhfr ç{ksioØ ij blds çHkko ds dkj.k
%
ntZ fd;k x;kA uhfr njsa vifjofrZr jghaA gkykafd] vDVwcj] 2018 ds
pkSFks f}&ekfld uhfr oäO; esa uhfr #[k ^rVLFk* ls
1-2-3 ekSfæd çca/ku
cnydj ^lqfopkfjr dBksjrk* cu x;kA
Hkkjrh; fjtoZ cSad }kjk cukbZ xbZ ekSfæd uhfr ns”k
1-3 foÙkh; cktkj
ds ekSfæd ekeyksa ls lEcaf/kr gSA uhfr vFkZO;oLFkk esa
iSls] miyC/krk dh vkiwfrZ vkSj ØsfMV dh ykxr dks Hkkjr dk] ekStwnk foÙkh; lsok daifu;ksa ds rsth ls gksrs
fofu;fer djus ds fy, fd, x, mik;ksa esa “kkfey gS A fodkl vkSj cktkj esa ços”k djus okyh ubZ laLFkkvksa
o’kZ 2018&19 ds fy, çFke f}&ekfld ekSfæd nksuksa ds ekeys esa rsth ls foLrkj gks jgkA bl {ks= esa
uhfr oäO; esa] ,eihlh us ikfylh jsiks nj dks 6-0 okf.kfT;d cSad] chek daifu;ka] xSj&cSafdax daifu;ka]
çfr”kr ds lkFk vifjofrZr j[kus dk fu.kZ; fy;kA lg&dkjh] isa”ku fuf/k;ka] E;wP;wvy Q.M vkSj vU; y?kq
dPps rsy dh dherksa esa o`f) ls eqækLQhfr ds tksf[keksa foÙkh; bdkbZ;ka “kkfey gSaA
pkVZ 1-5% 10 o"khZ; th&lsd tsufjd fcM ifj.kke ¼çfr’kr½
lzksr% Hkkjr dh vkfFkZd losZ{k.k dh fjiksVZA
ysfdu nwljh vkSj rhljh frekgh esa dherksa dks ?kVrs
1-3-1 th&lsd cktkj
gq, ns[kk x;kA igyh frekgh esa çfrQy dh dBksjrk
o’kZ 2018&19 ds nkSjku] 10&o’khZ; csap ekdZ th&lsd dPps rsy dh c<+rh dherksa] vesfjdh dks’k ds çfrQy
çfrQy vfLFkj Fks vkSj rsy dh dherksa] ?kjsyw pyfuf/k] esa o`f)] ;w,l QsMjy }kjk ewY; o`f) dh xfr ds fo’k;
vkSj :i;s dh fofue; nj esa vfLFkj xfr dks djhc ls esa fpark] ?kjsyw eqækLQhfr ds c<+rs tksf[ke ds dkj.k
ns[kk x;kA igyh frekgh esa çfrQy dqN dBksj jgs] FkhA ckn esa] tqykbZ 2018 esa dPps rsy dh dherksa esa
27PaHrktk-xI VI
fxjkoV ds lkFk vkSj vks,evks [kjhn dh ?kks’k.kk ds 1-3-2 d‚iksZjsV ckaM cktkj
lkFk tqykbZ esa çfrQy uje gks x,A gkykafd dPps rsy
Hkkjr esa d‚iksZjsV ckaM cktkj dk fodkl m|ksx vkSj
dh c<+rh dherksa vkSj vesfjdh C;kt njksa esa c<+ksrjh
cqfu;knh <kapk {ks= dh foÙkiks’k.k dh vko”;drk
ds dkj.k vxLr 2018 esa eqæk ewY;gzkl us çfrQy dks
dks iwjk djus ds fy, egRoiw.kZ gSA d‚iksZjsV ckaM
dBksj fd;k] ftlls tqykbZ ds var ls flrEcj ds e/;
cktkj vFkZO;oLFkk ds fodkl esa ges”kk lgk;rk djrk
rd çfrQy esa 40 chih,l dh o`f) gqbZA o’kZ 2018&19
gS vkSj vk”kk gS fd yEcs le; rd udnh çokg
dh nwljh Nekgh esa dsaæ ljdkj }kjk de cktkj
okys O;olk; ds fy, vf/kd ykHkdkjh gksxkA blus
m/kkj dh vis{kkvksa ds lkFk :i;s dh vfLFkjrk dks
gky ds o’kksaZ esa ,d cnyko ns[kk gS vkSj vc m|ksx
n”kkZrs gq, flrEcj ds var rd çfrQy uje gks x,A
/khjs /khjs viuh igq¡p c<+k jgk gS vkSj vU; çpfyr
vDVwcj] 2018 esa csapekdZ çfrQy esa ujeh iwokZxzg ds
foÙkh; midj.kksa ij viuh fuHkZjrk de dj jgk gS A
lkFk dkjksckj tkjh jgk D;ksafd vkjchvkbZ us mPprj
xSj&foÙkh; daifu;ksa }kjk dqy _.k foÙkiks’k.k esa
jkf”k ds vks,evks [kjhn dh ?kks’k.kk dhA o’kZ 2018&19
cktkj&vk/kkfjr lzksrksa ds vuqikr esa Øfed o`f) dsoy
dh rhljh frekgh esa] #-1-36 djksM+ dh vks,evks [kjhn cM+s vkdj dh QeksaZ rd gh lhfer gSA gkykafd] foÙk
ds lkFk dPps rsy dh dherksa esa fxjkoV vkSj lhihvkbZ vkSj cqfu;knh <kapk daifu;ka d‚iksZjsV ckaM cktkj ij
eqækLQhfr nj us lkekU;:i ls çfrQy dks uje fd;kA gkoh gSa] E;wP;wvy QaM~l cktkj ds tkjh vk/kkj dks
fofo/krk nsus esa egRoiw.kZ Hkwfedk fuHkk jgs gSaA cktkj
gkykafd] tuojh 2019 ds nkSjku] jktdks’kh; fparkvksa]
dh o`f) dks fu;ked }kjk uhfr;ksa dks fØ;kfUor djrs
pyfuf/k dh dBksjrk vkSj dPps rsy dh dherksa esa o`f)
gq, vkSj ldkjkRed vkfFkZd fØ;kdykiksa vkSj C;kt
ds chp çfrQydks dBksjrk dk lkeuk djuk iM+kA
pØ }kjk leFkZu fn;k x;k] Hkkjr esa cktkj NksVs gSa]
pkVZ 1-6% lwpdkad vkSj fu¶Vh xfr
bUgksus thMhih dk yxHkx 17 çfr”kr Hkkx vius uke 1-3-3 bfDoVh cktkj
fd;kA lsch ds vuqlkj foÙk o’kZ us ch,lbZ esa futh
oSf”od O;kikj ruko vkSj Å¡ph rsy dh dherksa ds
fu;kstu ds ek/;e ls 2]358 eqíksa }kjk #-6]10]318
lkFk&lkFk ,uch,Qlht }kjk “kq: fd;s x, pyfuf/k
djksM+ tqVk, vkSj fiNys o’kZ ls 2018&19 esa 36]679
ladV tSlh vusd pqukSfr;ksa ds ckotwn] Hkkjrh; bfDoVh
djksM+ :i;s ds lkFk dbZ xquk o`f) dk fp=.k fd;k A
cktkj oSf”od :i ls 2018&19 esa loZJs’B çn”kZd ds
28okf"kZd fjiksVZ | 2018-19
:i esa mHkjsA ,l ,aM ih ch,lbZ lsalsDl] c‚Ecs LV‚d 1-4 oSf’od isa’ku cktkj dh leh{kk
,Dlpsat ¼ch,lbZ½ dk csapekdZ baMsDl] 31 ekpZ] 2019
1-4-1 o"kZ 2018 esa vksblhMh {ks= esa isa’ku fuf/k
dks 38]673 ij can gqvk] tks fd 31 ekpZ 2018 dh #
vkfLr;ka
32]969 ds lekiu ewY; ls 17-3 çfr”kr dh o`f) ntZ
dhA bl vof/k ds nkSjku] ,l,aM ih ch,lbZ lsalsDl 28 vksblhMh isa”ku fuf/k fjiksVZ ebZ] 2019 ds vuqlkj]
vxLr 2018 dks # 38]897 ds lkFk mPprj jgk vkSj
2018 ds çkjafHkd vkadM+ksa ls irk pyrk gS fd isa”ku
04 vçSy] 2018 dks 33]019 ds lkFk U;wure jgk A
fuf/k esa laifÙk vksbZlhMh {ks= esa 27-6 fVªfy;u vesfjdh
blds vfrfjä] fu¶Vh 50] us”kuy LV‚d ,Dlpsat
M‚yj dh gS] tks 2017 dh rqyuk esa 4 de gS A 34
%
¼,u,lbZ½ dk csapekdZ baMsDl 31 ekpZ] 2019 dks 11]624
fjiksfVaZx ns”kksa esa ls isa”ku fuf/k;ka 12 esa de gqbZ gSa]
ij can gqvk] vkSj 31 ekpZ] 2018 rd ds # 10]114
ftuesa dqN cM+s isa”ku cktkj% tkiku¼&1-1 ½] uhnjySaM
ds lekiu ewY; ls 14-9 çfr”kr dh o`f) ntZ dh A %
bl vof/k ds nkSjku fu¶Vh 50 fnukad 28 vxLr 2018 ¼&1-2 %½] fLoV~tjySaM¼&0-7 %½] ;wukbVsM fdaxMe ¼&0-
rd ds vuqlkj #-11] 739 ds vf/kdre ewY; vkSj 26 3 %½ la;qä jk’Vª ¼&5-0 %½ “kkfey gSa A iksySaM us &12-
vDVwcj 2018 dks #- 10]030 ds U;wure ewY; ds lkFk 3 dh cM+h fxjkoV ns[khA dksfj;k vkSj v‚LVªsfy;k
%
can gqvkA
pkVZ 1-7% fnlEcj 2017&fnlEcj 2018 ¼çFke pj.k½ isa’ku fuf/k;ksa ds fjVuZ
ds okLrfod fuos’k nj
lzksr% vksbZlhMh isa”ku ekfdZV Qksdl] ebZ 2019-
Øe”k% 12-9 vkSj 9-2 çfr”kr ds lkFk csgrj fLFkfr vksbZlhMh {ks= ds ckgj lHkh fjiksfVaZx vf/kdkj {ks=
%
esa jgs] gkykafd twu 2017 ls twu 2018 dh vof/k ds esa isa”ku fuf/k;ksa esa vkfLr;ka jk’Vªh; eqæk esa c<+h gSa A
isa”ku fuf/k;ksa us lHkh fjiksfVaZx vksbZlhMh {ks=ksa esa cksRLokuk
fy, v‚LVªsfy;k dh x.kuk jk’Vªh; eqæk esa dh xbZ gSA
¼&3-7 ½ vkSj is: ¼&1-8 ½ ds vykok eqækvksa esa o`f)
% %
29PaHkrktx- IVI
dk vuqHko fd;kA vksbZlhMh {ks= ds ckgj dqy isa”ku lnL;ksa ds c<s gq, ;ksxnku ugha dh xbZ Fkh A fuos”k
fuf/k vkfLr;ka o’kZ 2017 dh rqyuk esa o’kZ 2018 esa 800 fjVuZ ukeek= ds fy, ldkjkRed Fks ysfdu 2018 esa
vesfjdh fcfy;u M‚yj ds lkFk 4 de FkhA lEiw.kZ dqN ns”kksa esa dherksa esa mruh rsth ls o`f) ugha gqbZA
%
futh isa”ku ç.kkyh ¼thMhih ds vkdj ls nksxquk½ ij felky ds rkSj ij ;g ekeyk felz] ukbthfj;k] ikiqvk
fopkj djrs gq,] MsuekdZ ds ikl thMhih ds lkis{k U;w fxuh vkSj jksekfu;k dk gS] tgka fuos”k fjVuZ 2018
lcls vf/kd isa”ku laifÙk gS] isa”ku fuf/k us 2018 esa esa ukeek= ds fy, ldkjkRed Fkk] ysfdu eqækLQhfr
vf/kdka”k ns”kksa esa fjVuZ dh udkjkRed okLrfod fuos”k ls de FkkA isa”ku fuf/k esa ,d nh?kZdkfyd f{kfrt
nj dk vuqHko fd;k] fo”ks’k :i ls vksbZlhMh {ks= esa A gksrk gSA blfy, nh?kZ dkfyd #>ku bu cktkjksa ds
isa”ku fuf/k;ksa us xSj&vksbZlhMh U;k;{ks=ksa ds fjiksfVaZx 26 vYidkfyd ifj.kkeksa ls vf/kd ek;us j[krs gSaA o’kZ
ns”kksa esa ls 11 dh rqyuk esa] vksbZlhMh ds 25 fjiksfVaZx 2019 frekgh 1 esa bfDoVh cktkjksa ds lq/kkj dks ns[krs
ns”kksaesa ls 20 esa okLrfod ekeyksa esa foÙkh; uqdlku gq, vYidkfyd ifj.kkeksa esa lq/kkj dh laHkkouk gS A
dk lkeuk fd;kA U;wure fuos”k fjVuZ gkaxdkax ¼phu½
1-4-2 o"kZ 2018 esa bfDoVh fuos’k
¼&11-6 ½] iksySaM¼&11-6 ½] vkSj rqdhZ¼&11-3 ½ esa ns[kh
% % %
xbZA v‚LVªfy;kbZ isa”ku fuf/k;ksa us vis{kk—r :i ls isa”ku fuf/k fuos”k esa bfDoVh dk vuqikr 2018 esa 24
etcwr fuos”k fj VuZ ¼5-9 ½ dk çn”kZu fd;k] ysfdu vksbZlhMh ns”kksa ¼vksbZlhMh {ks= esa 32 esa ls½ vkSj 20
%
bu çn”kZu dh dsysaMj o’kZ ds ctk; foÙk o’kZ ¼twu vU; fjiksfVaZx {ks=kf/kdkj ¼vksbZlhMh {ks= ds ckgj 31
2017&twu 2018½ esa x.kuk dh xbZ A esa ls½ dh rqyuk esa 2017 dh rqyuk esa fxj x;kA
cksRlokuk] gkaxdkax ¼phu½] ukehfc;k vkSj iksySaM esa
2018 esa isa”ku fuf/k;ksa ds [kjkc foÙkh; ifj.kke laHkor%
bfDoVh QaM isa”ku QaM~l ds eq[; fuos”k cus jgs]
2018 dh vafre frekgh esa bfDoVh cktkjksa ij eanh ds
tgka mUgksaus 2018 esa fuos”k dh xbZ vk/kh ls vf/kd
ifj.kke gSaA 2017 ds eqdkcys 2018 esa dqN çeq[k LV‚d
laifÙk dk Hkkx vius uke j[kkA isa”ku QaMksa dh laifÙk
lwpdkad rsth ls fxjkoV vkbZ] bfDoVh cktkjksa ij ;g
feJ.k esa bfDoVh dk vuqikr v‚LVªsfy;k] csfYt;e
udkjkRed çn”kZu] 2018 esa isa”ku fuf/k dh fxjkoV
esa vf/kd jgkA xSj&vksbZlhMh U;k; {ks=ksa ds chp
dk dkj.k cuk] tc bu uqdlku dh HkjikbZ ;kstuk
pkVZ 1-8% o"kZ 2018 esa p;fur fuos’k Jsf.k;ksa esa isa’ku fuf/k;ksa dk vkfLr vkoaVu ¼çkFkfed½
lzksr% vksbZlhMh isa”ku ekfdZV Qksdl] ebZ 2019-
30okf"kZd fjiksVZ | 2018-19
vksbZlhMh ns”kksa vkSj eykoh] ikfdLrku] ikiqvk U;w fxuh “kqYd ds :i esa fy, tkus okys “kqYd dh NwV
vkSj is: ds chp fQuySaM] fyFkqvk;k vkSj uhnjySaM] ij fopkj fd;k tk,A
tgka mUgksaus vius fuos”k dk 40 vkSj 50 ds chp
% %
1-6 Hkkjrh; tulkaf[;dh vkSj o`)koLFkk vk;
çfrfuf/kRo fd;kA isa”ku QaM dh laifÙk T;knkrj
lqj{kk%
U;k;k{ks=ksa esa fcy] c‚UM vkSj bfDoVh esa fuos”k dh xbZA bu
midj.kksa esa 63 fjiksfVaZx U;k;{ks=ksa esa ls 36 esa isa”ku
fo”o ds 7osa lcls cM+s ns”k ds :i esa] Hkkjr ,f”k;k
QaM ds fuos”k dk 75 ls vf/kd fgLlk FkkA blfy,
%
ds ckdh fgLlksa ls vyx gS] ;g igkM+ksa vkSj leqæ
bfDoVh vkSj c‚UM ekdsZV esa dksbZ Hkh ?kVukØe isa”ku
ls fpfUgr gS tks ns”k dks ,d vyx HkkSxksfyd bdkbZ
QaM ds fuos”k fjVuZ dks çHkkfor djrk gSA
nsrk gSA Hkkjr dk le`) tulkaf[;dh; ykHkka”k ns”k
1-5 ctV 2019 esa ,uih,l ds fy, çeq[k
dks ;qok cukrk gSA 2011 dh tux.kuk ds vuqlkj
?kks"k.kk,a
yxHkx 50 tula[;k 25 o’kZ dh vk;q ds Hkhrj vkrh
%
1½ isa”ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k gS] tula[;k dk yxHkx 90 Hkkx 60 o’kZ dh vk;q ls
%
¼ih,QvkjMh,½ jk’Vªh; isa”ku ç.kkyh ¼,uih,l½ vkSj uhps gS vkSj 2015 esa dk;Zjr vkcknh 44 ij jgh A
%
vVy isa”ku ;kstuk dks fofHkUu bdkbZ;ksa ,uih,l U;kl tcfd] çR;sd xr fnol ds lkFk tula[;k o`)koLFkk
lfgr ds ek/;e ls ykxw vkSj fofu;fer djrk gSA dh vksj c<+ jgh gSA
vfHknkrkvksa ds fgr dks çeq[k :i ls /;ku esa j[krs gq,
Hkkjr nqfu;k dk lcls vf/kd vkcknh okyk ns”k
vkSj ih,QvkjMh, ds ,uih,l U;kl ds lkFk mfpr
gSA Hkkjr esa 29 jkT; vkSj 7 dsaæ “kkflr çns”k gSa]
lEcU/k cuk, j[kus ds fy,] ,uih,l U;kl dks mi;qä
bl çdkj tula[;k dk vkdkj lcls cM+k gS] mÙkj
laxBukRed <k¡ps ds lkFk ih,QvkjMh, ls vyx djus
çns”k yxHkx 19-98 djksM+ dh la[;k ds lkFk lcls
ds fy, dne mBk, x, gSaA
vf/kd vkcknh okyk jkT; gS vkSj yxHkx 6-10 yk[k dh
2½ jk’Vªh; isa”ku ç.kkyh dks çksRlkgu çnku ds la[;k ds lkFk flfDde lcls NksVk jkT; gS A Hkkjr dk
dSfcusV ds fu.kZ; dks çHkkoh djus ds fy, tulkaf[;dh; ykHkka”k bls ,d ;qok ns”k cukrk gS A
jk’Vªh; isa”ku ç.kkyh vfHknkrkvksa dks çksRlkgu
çtuu nj esa fxjkoV] f”k”kq e`R;q nj esa fxjkoV vkSj
çnku fd;k x;k gS] ;g çLrkfor fd;k x;k
nh?kkZ;qrk esa o`f) rhu çeq[k tulkaf[;dh; çfØ;k,a gSa
gS %
tks o`) gksrs Hkkjrh;ksa ds cM+s Hkkx dks lapkfyr djrh
¼i½ ,uih,l ls vafre fudklh ij NwV lhek dks
gSa A
ekStwnk 40 ls c<+kdj 60 dj fn;k tk,xkA
% %
MCY;w,pvks dh fjiksVZ ds vuqlkj] o’kZ 2016 esa oSf”od
¼ii½ dsaæ ljdkj deZpkfj;ksa ds ekeys esa] deZpkjh
thou çR;k”kk 72-0 o’kZ Fkh ¼74-2 o’kZ efgykvksa ds
va”knku dks osru ds ekStwnk 10 ls c<+kdj
%
fy, vkSj 69-8 o’kZ iq#’kksa ds fy,½] tks fd MCY;w,pvks
14 dh Loh—fr gksxhA
%
vÝhdh {ks= esa 61-2 o’kZ vkSj MCY;w,pvks ;wjksfi;u {ks=
¼iii½ dsaæ ljdkj deZpkfj;ksa ds fy, rhu o’kZ
esa 77-5 o’kZ Fkh] tks nksuksa {ks=ksa ds chp 1-3 dk vuqikr
dh fuf”pr vof/k ds fy, ,uih,l fV;j
II
n”kkZrh gSA ;g fjiksVZ n”kkZrh gS fd] Hkkjr dh thou
[kkrs esa va”knku ds fy, /kkjk 80 lh ds rgr
çR;k’kk esa Hkh o`f) gqbZ gS tks fd 2000 esa 62-5 ls
NwV dh Loh—fr nh tk,xh A
c<+dj 2016 esa 68-8 çfr”kr gqbZ gSA
3½ jk’Vªh; isa”ku ç.kkyh ¼,uih,l½ U;kl dks
mlds lnL;ksa ls oLrq ,oa lsok dj esa ç”kklfud
31PaHkrktx- IVI
Hkkjr esa] ijaijkxr :i ls] isa”ku ljdkjh deZpkfj;ksa x;kA ,uih,l dks ebZ] 2009 ls LoSfPNd vk/kkj ij
vkSj dqN vlaxfBr {ks= ds deZpkfj;ksa ds fy, miyC/k futh vkSj vlaxfBr {ks= ds fy, c<+k;k x;k FkkA
FkhA vke turk dks isa”ku ykHk dk foLrkj djus ds
Hkkjr ljdkj us vf/klwpuk fnukad 31-01-2019 ds
mís”; ls isa”ku ç.kkyh dh O;oLFkk dh xbZ Fkh tks
}kjk fnukad 01-04-2019 ls dsaæ ljdkj deZpkfj;ksa ds
o`)koLFkk vk; dks lqjf{kr djus ds fy, ns”k esa isa”ku
,uih,l [kkrs esa va”knku 10 ls c<kdj 14 dh o`f)
% %
ds dojst dh lqfo/kk çnku djs vkSj bldk çlkj dj
vf/klwfpr dhA vf/klwpuk ds vuqlkj] ekfld va”knku
ldsA la;qä jk’Vª tula[;k dks’k ¼;w,u,Qih,½ dh
ewy osru tek egaxkbZ HkÙks ds 10 dk deZpkjh }kjk
fjiksVZ esa dgk x;k fd o’kZ 2050 rd 60 o’kZ dh vk;q %
Hkqxrku fd;k tk,xk vkSjewy osru tek egaxkbZ HkÙks
ds yksx ekStwnk 8-9 çfr”kr ds vkadM+s ls c<+dj 19-4
çfr”kr gks x, vkSj 80 o’kZ ls vf/kd dh vk;q ds yksx
ds 14% dk dsaæ ljdkj }kjk Hkqxrku fd;k tk,xkA
c<+dj ekStwnk 0-9 çfr”kr ls 2-8 çfr”kr gks tk,axs A jk’Vªh; isa”ku ç.kkyh ¼,uih,l½] ftls “kq: esa dsaæ
ljdkj ds vfHknkrkvksa ds fy, is”k fd;k x;k Fkk]
o`) O;fä;ksa vkSj ljdkjh isa”kuujksa ds vuqikr esa
vc if”pe caxky dks NksM+dj lHkh jkT; ljdkjksa vkSj
o`f) us jktdks’k ij ncko cM+k fn;k gSA isa”ku vkSj
vf/kdka”k dsaæ vkSj jkT;ksa ds Lok;Ùk fudk;ksa }kjk
o`)koLFkk vk; lqj{kk ij mPp ljdkjh [kpZ ] vU;
viuk;k x;k gS A ,uih,l dks ebZ 2009 ls LoSfPNd
çeq[k oLrqvksa ,oa lsokvksa vkSj fodklkRed {ks=ksa ij
vk/kkj ij futh vkSj vlaxfBr {ks= esa Hkh foLrkfjr
[kpZ tSls f”k{kk] LokLF; vkSj cqu;knh <k¡ps vkfn ds
fd;k x;k gSA ,uih,l va”knku ds xSj@foyafcr
fy, leL;k mRiUu djrk gSA xzhl lfgr dbZ ns”kksa
tek ds fy, eqvkots ds lkFk&lkFk dsUæh; ljdkjh
esa vFkZO;oLFkk ij vfLFkj isa”ku nsunkfj;ksa dk çHkko
deZpkfj;ksa dks isa”ku fuf/k vkSj fuos”k ds iSVuZ dks pquus
Hkh iM+k gSA
esa vf/kd Lora=rk nh xbZ gS A
c<+rh vkSj vfLFkj isa”ku nsunkfj;ksa ds dkj.k] oSf”od
1-7 Hkkjrh; isa’ku ifj–’;
çFkkvksa dks /;ku esa j[krs gq, vkSj bl eqís ij xgu
fopkj&foe”kZ ds ckn] ljdkj us ifjHkkf’kr isa”ku ;kstuk Hkkjrh; isa”ku ç.kkyh ifj–”; esa lfEefyr gSa] ljdkj
}kjk U;wure lqj{kk Lrj çnku djus ds fy, foÙkiksf’kr
ls ifjHkkf’kr va”knku isa”ku ;kstuk esa LFkkukarfjr gksus
xSj&va”knk;h isa”ku ;kstuk,a tSls jk’Vªh; lqj{kk lgk;rk
dk ,d lpsr dne mBk;kA “kq#vkr esa ;g ljdkjh
dk;ZØe ¼,u,l,ih½] mi;ksxkuqlkj Hkqxrku djsa okyh
deZpkfj;ksa ds fy, FkkA ubZ isa”ku ;kstuk] ftls vc
vfuok;Z ifjHkkf’kr ykHk isa”ku ;kstuk tSls 2004 ls
jk’Vªh; isa”ku ç.kkyh ¼,uih,l½ ds uke ls tkuk tkrk
iwoZ lsokvksa esa “kkfey gksus okys deZpkfj;ksa ds fy,
gS dks vf/klwpuk la[;k 5@7@2003&bZlhch vkSj ih
yksdlsok isa”ku] bZih,Qvks ds rgr deZpkjh Hkfo’;
vkj fnukad 22 fnlEcj] 2003 ds ek/;e ls dsaæ ljdkj
fuf/k ¼bZih,Q½ vkSj deZpkjh isa”ku ;kstuk ¼bZih,l½
deZpkfj;ksa ds fy, vf/klwfpr fd;k x;k vkSj bls dsaæ
vU; laoS/kkfud Hkfo’; fuf/k tSls dksy ekbUl] lhesal
ljdkj deZpkfj;ksa ¼l”kL= cyksa dks NksM+dj½ ftUgsa
vle Vh IykaVs”ku vkfn ;kstuk,a 01 tuojh] 2004
01-01-2004 dks lsok,a vkjEHk dh ds fy, vfuok;Z
dks ;k mlds ckn lsokvksa esa “kkfey gksus okys dsaæ
fd;k x;k A
ljdkj deZpkfj;ksa ds fy, vfuok;Z :i ls jk’Vªh;
jk’Vªh; isa”ku ç.kkyh ¼,uih,l½] ftls “kq#vkr esa dsaæ isa”ku ç.kkyh ¼,uih,l½] mu jkT; ljdkjksa ds deZpkjh
ljdkj vfHknkrkvksa ds fy, vf/klwfpr fd;k x;k Fkk] tks ,uih,l esa “kkfey gks pqdh gSa] LoSfPNd vk/kkj ij
vlaxfBr {ks= lfgr loZ ukxfjdksa ds fy, ,uih,l
if”pe caxky dks NksM+dj lHkh jkT; ljdkjksa vkSj
nksuksa fu;ksftr vkSj Lo&fu;ksftr deZpkfj;ksa ds fy,]
vf/kdka”k dsaæ vkSj jkT; Lok;Ùk fudk;ksa }kjk viuk;k
lkekU; Hkfo’; fuf/k] chek daifu;ksa vkSj E;wP;wvy
32okf"kZd fjiksVZ | 2018-19
QaM~l }kjk is”k dh tkus okyh lsokfuo`fÙk vkSj vuwlwfpr okf.kT; cSad] “kgjh okf.kT; cSad] isesaV cSad]
vf/kof’kZrk ;kstuk,aA y?kq foÙkh; cSad vkSj Mkd foHkkx lfEefyr gSaA
ljdkjh deZpkfj;ksa ds fy, isa”ku lq/kkjksa dks ykus 31 ekpZ] 2019 rd] dqy 273-55 yk[k lnL;@
vkSj ljdkjh deZpkfj;ksa ds fy, ,uih,l dh “kq#vkr vfHknkrk ,uih,l vkSj ,ihokbZ ds rgr ukekafdr gSa A
ifjHkkf’kr ykHk isa”ku ç.kkyh ds foÙkh; ncko ds dkj.k ,uih,l ds v/khu çca/ku ds v/khu ifjlaifÙk] ftlesa
FkhA bZih,Q ¼fo”ks’k :i ls laxfBr {ks= deZpkfj;ksa ds dks’k ij fjVuZ “kkfey gS] 31 ekpZ] 2018 ds #-2]34]579
fy,½ tSlh vfuok;Z ;kstuk }kjk vlaxfBr {ks= ds fy, djksM+ ls c<+dj 31 ekpZ] 2019 rd ds vuqlkj #-
dojst c<+kus dh foÙkh; vkSj O;ogkfjd dfBukb;ksa 3]18]214 djksM+ gks xbZ] 36 çfr”kr dh o`f) ntZ dh A
ds dkj.k] LoSfPNd lsokfuo`fÙk cpr dks Hkkjr esa ,uih,l ds rgr vfHknkrkvksa dh la[;k vkSj çca/ku
isa”ku çko/kku c<+kus ds çeq[k uhfr midj.k ds :i ds v/khu ifjlaifÙk fuEufyf[kr rkfydk esa çnku dh
esa ns[kk x;k gSA isa”ku ç.kkyh ds rgr vlaxfBr {ks= xbZ gS %
ds deZpkfj;ksa ¼47-29 djksM+ ds dqy Jfed oxZ dk
rkfydk la[;k 1-1% ,uih,l@,ihokbZ ds rgr
yxHkx 88 fcuk fdlh isa”ku çko/kku ds gS½ dh
% vfHknkrkvksa dh la[;k] dks’k vkSj çca/ku ds
la[;k c<+kus ds fy, ,uih,l dk foLrkj djuk] tks
v/khu ifjlaifÙk
fd ,d l{ke] de ykxr vkSj çHkkoh ç.kkyh gS] ,d
egRoiw.kZ uhfrxr mik; gSA
{ks= vfHknkrkvksa va’knku* ,;w,e
,uih,l dks iwoZ esa ljdkjh {ks= ds fy, “kq: fd;k dh la[;k
¼djksM+ ¼djksM+ esa½
x;k Fkk tks ckn esa vU; Hkkxksa ds fy, Hkh “kq: fd;k
esa½
x;k] tSls fd Lok;Ùk fudk;] jkT; ljdkj vkSj
vlaxfBr {ks= jkT; ljdkjksa }kjk ,uih,l dks rsth
dsaæ ljdkj 19]84]564 78]379-20 1]09]009-55
ls viuk;k x;kA 28 jkT; ljdkjksa vkSj dsaæ“kkflr
jkT; 43]21]325 1]24]190-66 1]58]491-37
çns”kksa us vius u, deZpkfj;ksa ds fy, ,uih,l dks
ljdkj
viuk;kA vlaxfBr {ks= ds yksxksa dks viuh o`)koLFkk
ds fy, LoSfPNd :i ls cpr djus ds fy,] ljdkj d‚iksZjsV 8]03]015 24]436-77 30]874-79
us lg&va”knku ;kstuk&,uih,l ykbV@Lokoyacu loZ 9]29]931 9]685-54 9]568-50
;kstuk flracj] 2010 esa “kq: dhA blds ckn] ukxfjd
e‚My
ç/kkuea=h }kjk vVy isa”ku ;kstuk ¼,ihokbZ½ 9 ebZ]
,uih,l 43]62]538 2]555-18 3]409-23
2015 dks “kq: dh xbZ vkSj vlaxfBr {ks= dks dsfUær
ykbV@
djrs gq, ;g ;kstuk 01 twu] 2015 ls fØ;kfUor gqbZ A
Lokoyacu
,ihokbZ ds rgr vfHknkrk dks muds }kjk pqus x,
,ihokbZ 1]49]53]432 6]335-09 6]860-30
va”knku Lrj ds vuqlkj #- 1000] #- 2000] #- 3000]
dqy ;ksx 2]73]54]805 2]45]582-44 3]18]213-74
#- 4000 vkSj #- 5000 dh U;wure ljdkjh xkjaVhM
lzksr% ,uih,l U;kl
isa”ku çkIr gksxhA ,ihokbZ] tks ,d ifjHkkf’kr ykHk isa”ku
;kstuk gS esa] fnukad 31 ekpZ] 2019 rd ds vuqlkj *feyku vkSj fu/kkZfjr fd, x,
rd ds vuqlkj dqy 149-53 yk[k vfHknkrk gSa vkSj
bl vof/k esa ,uih,l vkSj ,ihokbZ ;kstukvksa us
#- 6860-30 djksM+ dh ,;w,e gSA 31 ekpZ ] 2019 rd
rhoz o`f) ntZ dh gSA ljdkj us bu ;kstukvksa dks
ds vuqlkj ] 406 cSad ,ihokbZ lsok çnkrk ds :i esa
dj ykHk ds :i esa lgk;rk çnku dh gS vkSj ,ihokbZ
iath—r gSa] ftuesa lkoZtfud {ks= cSad] futh cSad]
dh xkjaVh us bu ;kstukvksa ds fy, ekax dks c<k;k gS
fons”kh cSad] {ks=h; xzkeh.k cSad] ftyk okf.kfT;d cSad]
33PaHrktk-xI VI
ysfdu vHkh Hkh] ns”k dh cM+h tula[;k dks /;ku esa 1-8 o"kZ ds nkSjku] ih,QvkjMh, ds y{;ksa dh
j[krs gq,] ;kstukvksa dks vHkh yksxksa dk vkd’kZ.k çkIr leh{kk ij ,d fVIi.kh
djus dh vko”;drk gSA ,uih,l dks c<+kus esa çeq[k
o"kZ ds nkSjku ih,QvkjMh, ds y{;ksa dh la{ksi
pqukSrh laHkkoh vfHknkrkvksa esa tkx:drk vkSj foÙkh;
esa leh{kk
lk{kjrk c<+kuk gSA ih,QvkjMh, fofHkUu ehfM;k vkSj
{kerk mRiknu dk;ZØeksa ds ek/;e ls tkx:drk ih,QvkjMh, vf/kfu;e 2013 dh çLrkouk] çkf/kdj.k
c<kus ds fy, fofHkUu dne mBk jgk gSA ih,QvkjMh, ds y{;ksa tSls vfHknkrkvksa dh o`)koLFkk vk; lqj{kk]
lsokfuo`fÙk lykgdkjksa ds iathdj.k dks Loh—fr çnku fofu;eksa] fodkl rFkk fgrksa dh lqj{kk ds ek/;e ls
djrk gS] ftudk mÙkjnkf;Ro laHkkoh ds lkFk&lkFk çLrqr djrh gSA
ekStwnk vfHknkrkvksa dks mudh lsokfuo`fÙk ;kstukvksa
ih,QvkjMh, lfØ; :i ls jk’Vªh; isa”ku ç.kkyh
dks pquus esa lgk;rk çnku djuk vkSj foÙkh; :i ls
¼mlds lHkh çdkjksa½ rFkk vVy isa”u ;kstuk ds çpkj
lqjf{kr lsokfuo`fÙk ds fy, ekxZn”kZu çnku djuk gSA
rFkk fodkl ,oa ,uih,l ds varxZr lHkh e/;LFkksa
blds vykok] ,uih,l tkx:drk ds çlkj dks ds fofu;eu rFkk fujh{k.k vkSj o`)koLFkk vk; lqj{kk
lqfuf”pr djus ds fy,] ih,QvkjMh, lsok çnkrkvksa ds laiw.kZ y{; ds çko/kku rFkk vfHknkrkvksa ds fgrksa
ds vf/kdkfj;ksa ds fy, çf”k{k.k vkSj {kerk mRiknu dh j{kk esa yxh gSA bu fØ;kdykiksa esa yxs jgus
dk;ZØe ds fy, ,d lefiZr ,tsalh dks fu;qä djrs ds nkSjku] ih,QvkjMh, vf/kfu;e 2013 dh çLrkouk
gq, çpkjkRed vkSj fodklkRed dk;ZØe vk;ksftr rFkk loksZÙke oSf”od vH;kl dks /;ku esa j[krs gq,]
dj jgk gSA ih,QvkjMh, fuEufyf[kr O;kid y{;ksa@ifj.kkeksa dh
çkfIr djus ds fy, dk;Zjr gS%&
laHkkoh vfHknkrkvksa vkSj lsokçnkrkvksa ds fy, ,uih,l
ds mi;ksx dh ljyrk çnku djus ds fy,] ih,QvkjMh, 1½ vko`fÙk {ks= c<+kuk
us blesa rduhd dk ykHk mBk;k gS vkSj bZ ,uih,l]
2½ lqj{kk
eksckby ,i] bZ&dsokbZlh vkfn dh “kq#vkr dh gS]
3½ çHkko”khyrk
tks çHkko”khyrk dks mRiUu djrs gSaA bZ&,uih,l ds
4½ i;kZIrrk
ek/;e ls ,d O;fä ljyrk ls v‚uykbu iathdj.k
vkSj va”knku dj ldrk gSA ,uih,l ds rgr ekStwnk 5½ fLFkjrk
vfHknkrkvksa ds fy, v‚uykbu va”knku miyC/k gSA
vko`fÙk {ks= c<+kuk
bZ,uih,l] ,uih,l ds rgr O;fäxr isa”ku [kkrksa
vkcknh ds lHkh {ks=ksa esa] o`)koLFkk vk; lqj{kk çko/kku
dks [kksyus dh lqfo/kk çnku djrk gS vkSj fV;j] ds
çkf/kdj.k ds eq[; y{;ksa esa ls ,d gSA ih,QvkjMh,
lkFk fV;j [kkrksa esa v‚uykbu :i ls “kq:vkrh
II
vf/kfu;e 2013 ,uih,l ds fofu;eu dk vkns”k nsrh
rFkk vuqorhZ va”knku djrk gSA ;g xq.k] çek.khdj.k
gS] vkcknh ds fHkUu&fHkUu {ks=ksa dks vko`r djus ds fy,
ds i”pkr~ vfHknkrkvksa dks muds isa”ku fuf/k çca/kd]
,uih,l ds fofHkUu çdkjksa dh “kq#vkr dh xbZ tSls
vkfLr oxZ] vkoaVu vuqikr vkSj ;kstuk fodYi cnyus
dsaæ ljdkj] jkT; ljdkj] dksiksZjsV] lHkh ukxfjd]
ds fy, l{ke cukrk gSA ,uih,l vfHknkrk y‚x bu
,uih,l ykbZV] vVy isa”ku ;kstuk ¼ih,QvkjMh,
ifjpk;dksa vkSj iath—r eksckby uEcj ij vksVhih
}kjk ç”kkflr vkSj fofu;fer ,d Hkkjr ljdkj
çek.ku dk ç;ksx djrs gq, fV;j [kkrs ls çR;kgj.k
II
;kstuk½A çkf/kdj.k vko`fÙk {ks= dks c<+kus ds fy,
vuqjks/k “kq: dj ldrk gSA
yksd tkx#drk fçaV] bysDVªkfud rFkk lks”ky ehfM;k
34okf"kZd fjiksVZ | 2018-19
}kjk] çf”k{k.k nsus okys vfHkdj.k dh fu;qfä rFkk çHkko”khyrk Jfedksa rFkk iwath cktkjksa dh çHkko”khyrk
cSadks] Mkd?kjksa] mifLFkfr vfLrRoksa] u;kpkj dk;kZy;ksa lkFk gh lkFk ukSdjh rFkk fuos”k ds fy, vçR;{k
vkfn ds vQljks ds fy, {kerksRiknu vkfn lsokfuo`fÙk ;ksxnkuksa lsa Hkh lacaf/kr gS] D;ksafd çR;sd çR;{k
lykgkdkjksa dh fu;qfä vkfn] bZ&,uih,l ds }kjk ;ksxnkuksa }kjk isa”ku ç.kkyh ds lkFk feydj dk;Z djrs
v‚ucksfMaZx rFkk ysu&nsu dh lqfo/kk çnku djrk gSa ¼vf/kd dk;Zjr thou rFkk ;ksxnku] iwath dh U;wu
gSA ifj.kkeLo#i] ,uih,l ds rgr vfHknkrk la[;k dherksa] ;k vf/kd foÙkh; lekos”kksa }kjk½A ih,QvkjMh,
foÙkh; o’kZ 2017&18 ds 211-78 yk[k ls c<+dj foÙk ,uih,l rFkk ,ihokbZ }kjk vfHknkrkvksa ds tkx#drk
o’kZ 2018&19 esa 273-55 yk[k gqvk gS tks fd 36 dk;ZØe esa lfØ; #i ls dk;Zjr gSA
%
dk fodkl gSA
iwath cktkjksa ds fy,] çHkko”khyrk iwath cktkj xgjkbZ
lqj{kk ls xSj& cSadksa dh foÙkh; iwath mRiknu fuos”k ds
fuf/kdj.k gsrq rFkk foLr`r iwath cktkj lq/kkjksa ds ykHkksa
ih,QvkjMh, us 2013 ds vf/kfu;e ds rgr fofu;eksa
ls lacaf/kr gSA ih,QvkjMh, bu y{;ksa dks iw.kZ djus esa
dh ,d O;kid #ijs[kk dks isa”ku ifjlaifÙk;ksa dh
vusdksa varfoZfu;ked laxBuksa rFkk lfefr;ksa dk Hkkx
lqj{kk lqfuf”pr djus ds fy, isa”ku fuf/k tks fd
jgk gSA
lsokfuo`fÙk ykHkksa dks çnku djus gsrq lafpr gksrk gS
çkf/kdj.k dk vU; ç;kl ,uih,l ds rgr e/;LFk
ds uqdlkuksa dks U;wu djus gsrq çLrqr fd;k gSA bu
bdkbZ;ksa dks çcy cukuk gSA e/;LFk bdkbZ;ksa dks çcy
fofu;eksa esa lHkh e/;LFkksa ds fy, ftuesa isa”ku fuf/k
cukuk cgqr egRoiw.kZ gS rkfd mfpr vkSj ikjn”khZ
“kkfey gS dh fu;qfä ds tksjnkj ekunaM] foLr`r
ç.kkyh dks LFkkfir fd;k tk ldsA e/;LFkksa dks mRikn
dksiksZjsV “kklu #ijs[kk] ;ksX; rFkk mi;qä ç.kkyh]
vkSj çfØ;k ds ckjs lghKku lk>k djuk rFkk mfpr
O;kid vkpkj lafgrk] foLr`r Hkwfedk,a rFkk nkf;Ro]
fn”kkfunsZ”kksa dks tkjh djuk rkfd iwjh ç.kkyh lE;d
naM ç.kkyh] laifÙk;ksa dh lqj{kkvksa dks lqfuf”pr djus
:i ls dk;Z dj ldsA
gsrq lfEefyr fd;k gSA fofu;eksa dk le;≤ ij
fujh{k.k fd;k tkrk gS rFkk etcwr cuk;k tkrk gSA i;kZIrrk
vkbZVh fujh{k.k ç.kkfy;ksa dks vkxs etcwr djus ds fy,
fdlh Hkh isa”ku ç.kkyh ds egRoiw.kZ mís”;ksa esa ls ,d
fy,] ih,QvkjMh, lkbcj lqj{kk ds dk;kZUo;u ij
;g lqfuf”pr djuk gS fd xzkgdksa ds thoupØ ds
/;ku dsafær dj jgk gS vkSj ;g dojst dks lqfuf”pr
nkSjku [kir dks ljy djuk vFkkZr~ lafpr lsokfuo`fÙk
djsxkA
ykHk ik=rk dh lqfo/kk nsuk tks fd mUgsa o`)koLFkk vk;
çHkko’khyrk
dh lqj{kk çnku djrh gSA tcfd ,uih,l fcuk fdlh
ykHk dh xkjaVh ds] ,d ifjHkkf’kr ;ksxnku ;kstuk gS
çkf/kdj.k dk ;g ç;kl gS fd vfHknkrkvksa ds Lohdk;Z
rFkkfi ,d vPNs ç;kl ds mik; ds #i esa lsokfuo`fÙk
tksf[keksa ij dqy “kqYd okilh dks c<+kdj ra= esa
ij i;kZIr isa”ku /ku fofHkUu rjhdksa ds ek/;e ls]
çHkko”khyrk ykukA ;g le;≤ ij çfrnkuksa dks
ftuesa 60 o’kZ dh vk;q ds Åij rd ,uih,l ;ksxnku
vuqdwy djds fuos”k fn”kkfunsZ”kksa dh leh{kk djds
dh vk;q c<+kuk] çfrnkuksa dks vuqdwy djus ds fy,
fd;k tk ldrk gSA nks ubZ thoupØ fuf/k;ksa tks
fuos”k fn”kkfunsZ”kksa dh leh{kk] ljdkj ds lkFk feydj
,ylh 25 ,oa ,ylh 75 gSa rFkk futh vfHknkrkvksa ds
dj NwV vkfn ls ;ksxnku c<+kuk bR;kfn lqfuf”pr
fy, ubZ ifjlaifÙk oxZ ^^,** dh “kq#vkr bl fn”kk esa
djuk çkf/kdj.k dk iz;kl gSA blh fn”kk esa vkxs
mBk, x, dqN dneksa esa ls gSA
35PaHkrktx- IVI
tkus ij] LoSfPNd {ks= ds rgr tSls loZ ukxfjd ds chp igyk okrkZyki fcanq gSA iath—r ihvksih ds ikl
e‚My] d‚iksZjsV e‚My esa 60 o’kZ ds ckn Hkh ,uih,l esa vf/k—r “kk[kk,a gksrh gSa ftUgsa ihvksih lsokçnkrk dgk
v‚ucksMZ dh lqfo/kk çnku dh xbZ gSA dksiksZjsV e‚My tkrk gS ftudk dk;Zlaxzg fcanq rFkk xzkgdksa ds fy,
esa 60 o’kZ ds ckn Hkh ,uih,l esa v‚ucksMZ dh lqfo/kk lsokvksa dks c<+kuk gSA ihvksih ds dk;ksaZ esa lfEefyr gS%
çnku dh xbZ gSA vfHknkrk iathdj.k] vfHknkrk ;ksxnkuksa dk çlaLdj.k]
O;fäxr fooj.k esa cnyko] fuos”k ;kstukvksa@fuf/k
fLFkjrk
çca/kd esa cnyko] ,d çfr:i ls nwljs çfr:i esa
fdlh Hkh va”knk;h isa”ku ç.kkyh ds ihNs fLFkjrk Hkh vfHknkrk LFkkukarj.k çlaLdj.k] eqfær [kkrk fooj.k
,d çeq[k eqík gksrk gSA ,uih,l ds ek/;e ls] ns”k esa dks tkjh djuk] lsokfuo`fr ij fudklh cfgjxeu dk
lekt ds fofHkUu Hkkxksa dks isa”ku mRikn çnku djus çlaLdj.k vkfnA
dk ç;kl fd;k tk jgk gS tks yEch vof/k rd py
[k½ ljdkjh foHkkx uksMy dk;kZy;
lds vkSj ,d lqjf{kr o`)koLFkk vk; çnku djus ds
dsaæ ljdkj uksMy dk;kZy;
çeq[k y{; dks çkIr fd;k tk ldsA ,uih,l ifjHkkf’kr
va”knku ;kstuk gS] tks fd laLFkkfud <k¡ps vkSj mRikn çeq[k ys[kk dk;kZy;] osru ,oa ys[kk dk;kZy;
ifjdYiuk ds lkFk nh?kZdkfyd vof/k rd pyus ds vkSj vkgj.k vkSj laforj.k dk;kZy;
fy, Lo;a dks l”kä cukrh gSA LFkk;h isa”ku çk.kkyh
dsaæ ljdkj ds rgr çeq[k ys[kk dk;kZy;] osru ,oa
ds ç;kl dks çkIr djus esa fu;fer cpr vkSj fuos”k
ys[kk dk;kZy; vkSj vkgj.k vkSj laforj.k dk;kZy;
vuq“kklu egRoiw.kZ Hkwfedk fuHkkrk gSA ih,QvkjMh, us
;k jkT; ljdkj vkSj jkT; Lok;Ùk fudk;ksa ds rgr
isa”ku ds fo’k; esa yksxksa dks f”kf{kr djus vkSj bu y{;ksa
vuq:i dk;kZy; ,slh e/;LFk bdkbZ;ka gSa tks ,uih,l
dks vkxs c<kus ds fy, vusd dne mBk;s gSaA
ds fy, vfHknkrkvksa dh vksj ls lhvkj, ds lkFk ppkZ
1-9 ,uih,l ds rgr e/;LFk bdkbZ;ka djrh gSaA
jkT; ljdkj uksMy dk;kZy;
1-9-1 jk"Vªh; isa’ku ;kstuk ls lacaf/kr e/;LFk
rFkk vU; bdkbZ;ka rFkkv fofu;e ds rgr vkus
MhVh,] MhVhvksvkSj MhMhvks
okyh isa’ku ;kstuk,a
jkT; ljdkjksa ds rgr dks’kky; vkSj ys[kk funs”kky;
jk’Vªh; isa”ku ç.kkyh ,d ,slh vlewgh—r ç.kkyh ds
¼MhVh,½] ftyk [ktkuk dk;kZy; ¼MhVhvks½ vkSj vkgj.k
rgr dk;Z djrh gS ftlesa çR;sd dk;Z ml {ks= dh
,oa laforj.k dk;kZy; vkSj jkT; ljdkjksa vkSj jkT;
fof”k’V bdkbZ dks fn;k x;k gSA ,uih,l dk;Zç.kkyh
Lok;Ùk fudk;ksa ds rgr vuq:i dk;kZy; ,slh e/;LFk
esa lfEefyr gSa mifLFkfr vfLrRo] dsaæh; fjd‚MZ dhfiax
bdkbZ;ka gSa tks ,uih,l ds fy, vfHknkrkvksa dh vksj
vfHkdj.k] U;klh cSad] isa”ku fuf/k çca/kd] ,uih,l
ls lhvkj, ds lkFk ppkZ djrh gSaA
U;kl] laj{kd rFkk okf”kZdh lsokçnkrkA
uksMy dk;kZy; lhvkj, ç.kkyh ds rgr ljdkjh
d½ mifLFkfr vfLrRo ¼ihvksih½
vfHkdj.kksa ds pqus dk;kZy; gSa tks ,uih,l ds rgr
mifLFkfr vfLrRo cSad rFkk xSj cSafdax foÙkh; daifu;ka fofHkUu ifjpkyu dk;ksaZ dks fu’ikfnr djrs gSaA bu
vkfn gSa tks fd ih,QvkjMh, ds lkFk ,uih,l gsrq dk;kZy;ksa dks ,d fof”k’V la[;k }kjk igpkuk tkrk
vHkhnkrkvksa ds iathdj.k rFkk lsok çnku djus ds fy, gS vFkkZr~ ihvkj,vks@ih,vks@MhMhvks iathdj.k la[;k]
iath—r gSA mifLFkfr vfLrRo vfHknkrk rFkk ,uih,l tks muds lQy iathdj.k ij mUgsa lhvkj, }kjk çnku
36okf"kZd fjiksVZ | 2018-19
dh tkrh gSA dk;kZy; ds cgqr egRoiw.kZ dk;Z gksrs gSa] okf’kZdh lsokçnkrk çnku djus gsrq funsZ”k
ftuesa ls dqN fuEukuqlkj gS% lefUor djuk
• vfHknkrk iathdj.k ds fy, vfHknkrk iathdj.k ?k½ U;klh cSad
çi= ih,vks dks tek djsaA
,uih,l ds rgr vkus okys fofHkUu e/;LFkksa ds fuf/k
• vfHknkrkvksa dks çku fdV forfjr djsaA
çokg dks U;klh cSad }kjk laHkkyk tkrk gSA orZeku
• vfHknkrk ds va”knku ds fo’k; le;c) vkSj esa] ,fDll cSad fyfeVsM og p;fur cSad gS] tks
mfpr lwpuk çnku djukA vfHknkrkvksa] fuf/k çca/kdksa rFkk okf’kZdh lsokçnkrkvksa
ds fy, fuf/k LFkkukarj.k dh lqfo/kk tks fdlh vkj, ds
• vfHknkrk çca/ku ds fy, vfHknkrkvksa dh f”kdk;r
ek/;e ls vfHknkrkvksa }kjk fn, x, funsZ”kksa ij vk/kkfjr
ih,vks dks HkstukA
gSa miyC/k djkrk gSA U;klh cSad u;kpkj dk;kZy;ksa@
• vfHknkrkvksa dh f”kdk;rksa dk lek/kku djukA
ihvksih@,xzhxsVjksa }kjk fuf/k çkIr djrk gS rFkk mlls
• vfHknkrk fudklh vuqjks/k ih,vks vkfn dks vfHknkrk ;ksxnku Qkby ds lkFk tksM+ nsrk gSA U;klh
HkstukA
cSad fuf/k;ksa dks ,uih,l U;kl ds :i esa j[krk gS rFkk
x½ dsaæh; vfHkys[kiky vfHkdj.k vfaHknkrk mlds ykHkkfUor ekfyd curs gSaA
,uih,l ds fy, dsaæh; vfHkys[kiky vfHkdj.k ds :i M-½ isa’ku fuf/k;ka ¼ih,Q½
esa bZ&xousaZl baÝkLVªDpj fyfeVsM rFkk dkohZ daI;wVj
1- ;g ih,QvkjMh, esa iath—r isa”ku fuf/k;ka gSa ftUgsa
”ks;j çkbosV fyfeVsM dks fu;qä fd;k x;k gSA muds
U;k;laxr rFkk foosdiw.kZ <ax ls fuos”k djus ds fy,
eq[; dk;Z bl çdkj gSa :&
isa”ku dks’k dks çfrHkwfr;ksa ds iksVZQksfy;ks esa j[kus vkSj
• vfHknkrk fjd‚MZ ç”kklu rFkk xzkgd lsok dk;ksaZ çca/ku gsrq fu;qä fd;k x;k gSA ekStwnk le; esa isa”ku
dks cuk, j[kukA fuf/k çca/kd gSa% vkbZlhvkbZlhvkbZ çwMsaf”k;y isa”ku QaM
eSustesaV daiuh fyfeVsM] ,yvkbZlh isa”kufuf/k] dksVd
• çR;sd vfHknkrk ds fy, LFkk;h lsokfuo`fÙk [kkrk
efgaæk isa”ku QaM fyfeVsM] fjyk;al dSfiVy isa”ku
la[;k ¼çku½ tkjh djuk] lHkh çku dk MkVkcsl
QaM fyfeVsM] ,lchvkbZ isa”ku QaM çkbosV fyfeVsM]
rS;kj djuk rFkk çR;sd çku ls lacaf/kr ysunsu
;wVhvkbZ fjVk;jesaV l‚Y;w”kal fyfeVsM] ,pMh,Qlh
dh fjd‚fMaZxA
isa”ku eSustesaV dks fyfeVsM rFkk fcjyk luykbQ
• ,uih,l ç.kkyh ds fofHkUu e/;LFkksa ds chp
isa”ku eSustesaV fyfeVsMA muds dk;Z gS%
baVjQsl ds :i esa dk;Z djukA blesa lfEefyr
• fuos”k fn”kkfunsZ”kksa ds vuqlkj fuos”k djuk
gS çR;sd lnL; }kjk fn, x, ;ksxnkuksa dk
fujh{k.k rFkk isa”ku fuf/k gsrq mlds }kjk fn, • lhvkj, }kjk çkIr funsZ”kksa ds vk/kkj ij ;ksxnkuksa
x, funsZ”k rFkk laçs’k.kA le; le; ij og dks fuosf”kr djuk
çR;sd lnL; dks çku fooj.k Hkstrs gSaA
• ;kstuk iksVZQksfy;ks dk fuekZ.k
• dsaæh; f”kdk;r çca/ku ç.kkyh çnku djuk A • iqfLrdk rFkk vfHkys[k dk j[kj[kko çkf/kdj.kks
• fuf/k çca/kdksa dks le; ls fuf/k LFkkarfjr djkuk dks fjiksVZ djuk rFkk [kqykls djuk
• U;klh cSadksa dks vfHknkrk [kkrksa esa fudkl fuf/k p½ çfrHkwfr;ksa ds laj{kd
ij NwV nsus gsrq rFkk okf’kZdh ;kstuk ds fy,
,uih,l U;kl ds uke ij ,uih,l dks’k }kjk [kjhnh
37PaHkrktx- IIV
xbZ çfrHkwfr;ka] çfrHkwfr;ksa ds laj{kdksa }kjk lapkfyr dh tks –Hkkjrh; thou chek fuxe] ,pMh,Qlh ykbQ
tkrh gS tks fd çfrHkwfr;ksa ds ysu&nsu rFkk çfrHkwfr;ksa ba”;ksjsal daiuh fyfeVsM] vkbZlhvkbZlhvkbZ çwMsaf”k;y
ds forj.k dh Lohdk;Zrk dh lqfo/kk Hkh çnku djrh ykbQ ba”;ksjsal daiuh fyfeVsM] ,lchvkbZ ykbQ
gSA ih,QvkjMh, us LV‚d gksfYMax d‚jiksjs”ku v‚Q ba”;ksjsal daiuh fyfeVsM] LVkj ;wfu;u nkbZ&bph
bafM;k fyfeVsM dks laj{kd fu;qä fd;k gSA mlds ykbQ ba”;ksjsal daiuh fyfeVsM gSaA
dk;Z bl çdkj gSa%
>½ lsokfuo`fÙk lykgdkj
• ,uih,l U;kl ds uke ij çfrHkwfr;ksa dh lqj{kk
lsokfuo`fÙk lykgdkj tks fd dksbZ O;fä] iath—r
vk;ksftr djuk ftls ,uih,l dks’k }kjk
lk>snkjh daiuh] dkiksZjsV fudk; ;k dksbZ iath—r U;kl
[kjhnk x;k
;k lekt gS] jk’Vªh; isa”ku ç.kkyh ;k çkf/kdj.k }kjk
• vk;ksftr çfrHkwfr;ksa ds fooj.k dk j[kj[kko fofu;fer vU; isa”ku ;kstuk ij laHkkoh vfHknkrkvksa@
vfHknkrkvksa ;k vU; yksxksa ;k yksxksa ds lewg dks lykg
• çfrHkwfr;ksa ij ykHkka”k] vf/kdkj] cksul bR;kfn
nsus ds dk;Z esa layXu jgus dh okaNk djrk gS vkSj bu
tSls ykHk ,d= djukA
fofu;eksa ds rgr iath—r gSA O;fäxr vkSj O;fäxr
• vk;ksftr çfrHkwfr;ksa ds tkjh drkZvksa ds dk;ksaZ ds
ls fHkUu lsokfuo`fÙk lykgdkjksa dh lwph ih,QvkjMh,
ckjs esa tkudkjh nsuk tks ykHkksa dks çHkkfor dj
dh osclkbV ij miyC/k gSA
ldrs gSaA
1-9-2 [kkrs ds çdkj
N½ ,uih,l U;kl
,uih,l ds rgr fuEufyf[kr nks çdkj ds [kkrs
,uih,l U;kl ,d ,slk U;kl gS tks Hkkjrh; U;kl
miyC/k gSa&
vf/kfu;e ds rgr xfBr gqvk gS] tks vfHknkrkvksa
1- fV;j&1 [kkrk% fV;j&1 [kkrk ds rgr vfHknkrk
ds ykHk ds fy, ,uih,l dh ifjlaifÙk /kkj.k djrk
viuh cpr dks vkaf”kd fudklh [kkrs ds #i es a
gSA bl U;kl dk egRoiw.kZ mÙkjnkf;Ro gS] fuf/k;ksa
lsokfuo`fÙk@is”ku fudklh [kkrs esa ;ksxnku ds
dh ns[kHkky djuk vkSj vfHknkrkvksa ds fgrksa dh j{kk
fy, nsrk gSA dqN “krksaZ ij le;iwoZ fudklh dh
djukA ,uih,l U;kl isa”ku fuf/k çca/kdksa ds dkedkt
vuqefr gSA
dh fuxjkuh vkSj fujh{k.k djrk gS vkSj vU; e/;LFkksa
tSls dsUæh; vfHkys[kiky vfHkdj.k ¼lhvkj,½] U;klh 2- fV;j &2 [kkrk% ;g ,d LoSfPNd cpr [kkrk
cSad] laj{kd vkSj vU; laLFkkvksa ds lkFk laidZ djrk gSA tgka vfHknkrk] tc og pkgs rks bl [kkrs es a
gSA cpr jkf”k tek djus vkSj okil ysus ds fy,
Lora= gSA ,uih,l ds rgr vkus okyh mijksä
t½ okf"kZdh lsok çnkrk
;kstukvksa ds vfrfjä] ih,QvkjMh, vVy isa”ku
okf’kZdh lsokçnkrk ¼,,lih½ vkbZvkjMh,vkbZ }kjk
;kstuk dks Hkh ç”kkflr vkSj fu;af=r djrk gS A
fofu;fer chek daifu;ka gSa ] ftUgsa ih,QvkjMh, }kjk
,uih,l ds vfrfjä] ih,QvkjMh, vVy isa”ku ;kstuk
,uih,l ds vfHknkrkvksa dks muds }kjk nh xbZ okf’kZfd;ksa
dks Hkh ç”kkflr vkSj fofu;fer djrk gSA
ds lewg ls okf’kZdh çnku djus ds fy, lwphc) fd;k
x;k gSA orZeku esa ik¡p ,,lih dh lwph cuk;h x;h gS
38okf"kZd fjiksVZ | 2018-19
rkfydk%1-2 foÙk o"kZ 2017&18 ds nkSjku jk"Vªh; isa’ku ç.kkyh@vVy isa’ku ;kstuk
ds çn’kZu ds eq[; fcanq
rjhds foÙk o"kZ 2017&18 ds foÙk o"kZ 2018&19 ds var o`f) ¼ ½
%
var rd ds vuqlkj rd ds vuqlkj
ljdkjh vfHknkrk 57] 89]217 63]05]889 8-92
loZukxfjd + d‚iksZjsV vfHknkrk 13]87]401 17]32]946 24-91
,ihokbZ vfHknkrk 96]05]713 1]49]53]432 55-67
ihvksih&,liht dh la[;k 79]640 81983^ 2-94
,ihokbZ&,liht dh la[;k 399 406 1-75
lh,cht dh la[;k 545 559 2-57
,l,cht dh la[;k 1078 1154 7-05
dksiksZjsV~l dh la[;k 4]559 5]964 30-82
çf”kf{kr vf/kdkfj;ksa dh la[;k 65]520 36706* 56-02
¼foÙk o’kkZuqlkj½
^ihvksih&,lih la[;k vf/kdrj gksus ds dkj.k ,u,lMh,y&lhvkj, ds vkadM+s fy, x, gSaA
*ghjks ekbaMekbu bafLVVîwV çkbosV fyfeVsM }kjk baØhesaVy vk;ksftr fd;k x;kA
• ljdkjh vfHknkrkvksa dh la[;k ekpZ 2018 ds var
• ,ihokbZ ds fy, lsok çnkrkvksa dh la[;k ekpZ 2018
esa 57-89 yk[k ls c<+dj ekpZ 2018 ds var esa 63-06
dh 399 dh la[;k ls c<+dj ekpZ] 2019 esa 406 gks xbZ
yk[k vfHknkrk gks xbZ] vkSj 5-17 yk[k ¼8-92 ½ dh
% gS] 1-75 dh o`f) ntZ dh gSA
%
o`f) ntZ dhA
• dsaæ ljdkj ds lHkh deZpkjh ftuesa lh,ch vkSj
,l,ch lfgr jkT; ljdkjsa lfEefyr gSa] ftUgksaus
• futh {ks= ds rgr] d‚iksZjsV {ks= vfHknkrkvksa dh
,uih,l dks viuk;k gS vfuok;Z :i ls ,uih,l ds
la[;k ekpZ 2018 ds var ds 6-96 yk[k ls c<+dj
rgr “kkfey fd;s x, gSaA gkykafd vHkh Hkh dqN lh,cht
ekpZ 2019 esa 8-03 yk[k gks xbZ ] tks fd 1-07 yk[k
vkSj ,l,cht gSa tks ,uih,l ds rgr iath—r ugha
¼15-37 ½ vfHknkrkvksa dh o`f) gSA vlaxfBr {ks=@loZ
%
gSA bl o’kZ 14 u, lh,cht vkSj 276 ,l,cht dks
ukxfjd e‚My ds rgr vfHknkrk 6-91 yk[k ls c<+dj
,uih,l ds rgr yk;k x;k gS ftlls lh,cht vkSj
ekpZ 2019 esa 9-30 yk[k gks xbZ] tks fd 2-39 yk[k
,l,cht dh dqy la[;k 559 vkSj 1154] Øe”k% gks
¼34-59 ½ vfHknkrkvksa dh o`f) gSA
%
xbZ gSA
• ,ihokbZ vfHknkrkvksa dh la[;k ekpZ 2018 ds var esa
yxHkx 96-06 yk[k vfHknkrkvksa ls c<+dj ekpZ 2019 • d‚iksZjsV {ks= vius deZpkfj;ksa dks vfuok;Z ;k
LoSfPNd vk/kkj ij ,uih,l dh lqfo/kk çnku djrk
ds var esa 149-53 yk[k gks xbZ gSA çfr”kr ds fglkc
gSA ekpZ 2018 ds var ds 4559 dksiksZjsV~l dh rqyuk esa
ls blus 55-67 dh o`f) dh gSA
%
ekpZ] 2019 esa dqy 5964 dksiksZjsV~l ,uih,l ds rgr
• ihvksih&,lihl dh la[;k ekpZ 2018 ds var dh
iath—r gq, gSaA
79640 ls ekpZ 2019 esa 81983 gks xbZ gSA
39PaHkrktx- IVI
• lsokfuo`fÙk vkSj lsokfuo`fÙk ;kstuk ds fy, cpr ds çf”k{k.k çnku djrh gSaA blds vykok] çf”k{k.k
ckjs esa tkx:drk mRiUu djus ds fy,] ih,QvkjMh, dk;Z”kkyk,a @ f”kfoj lHkh {ks=ksa vkSj LFkkuksa ds
us ih,QvkjMh, }kjk pquh xbZ çf”k{k.k ,tsafl;ksa vfHknkrkvksa ds fy, O;kid foÙkh; miHkksäk laj{k.k
ds ek/;e ls çfk{k.k çnku djus lfgr fofHkUu uhfr ds fgLls ds :i esa vk;ksftr fd, x, gSaA pkj
xfrfof/k;ka dh gSaA ;s çf”k{k.k ,tsafl;ka dsaæh; vkSj {ks=ksa vFkkZr~ iwoZ] if”pe] mÙkj vkSj nf{k.k esa ls dqy
jkT; ljdkj] osru vkSj ys[kk dk;kZy; ¼ih,vks½ & 911 nyksa vkSj dqy 36706 O;fä;ksa dks bl vof/k
uksMy vf/kdkfj;ksa] vkgj.k vkSj laforj.k dk;kZy; ¼8@8@2018&31@03@2019½ esa çf”kf{kr fd;k
¼MhMhvks½] mifLFkfr vfLrRo @ cSad @ Mkd?kj x;kA foÙk o’kZ 2017&18 vkSj foÙk o’kZ 2018&19 dks
ladyudrkZ bR;kfn dks ,uih,l @ ,ihokbZ dh feykdj 102226 O;fä;ksa dks çf”kf{kr fd;k x;k gSA
eq[; fo”ks’krkvksa] çfØ;k esa “kkfey gksus ds ckjs esa blus 56-02 dh o`f) ntZ dhA
%
40okf"kZd fjiksVZ | 2018-19
Hkkx
II
,uih,l ds rgr fuf/k;ksa dk fuos’k 2-1-2 ljdkjh {ks= ,uih,l ;kstukvksa ¼vFkkZr~
lhth vkSj ,lth½] rFkk ,ihokbZ ds fy, isa’ku
;g v/;k; ,uih,l rFkk ,uih,l vf/kfu;e ds rgr
fuf/k;ksa ¼ih,Ql½ dh lwphA
“kkfey vU; isa”ku ;kstukvksa ds rgr fuf/k;ksa ds fuos”k
½ ,yvkbZlh isa”ku Q.M fyfeVsM
I
ij ppkZ djrk gS rFkk jk’Vªh; isa”ku ç.kkyh esa fofHkUu
fuos”k Jsf.k;ksa esa ftuesa ljdkjh çfrHkwfr;ka] _.k II½ ,lchvkbZ isa”ku Q.M çkbosV fyfeVsM
çfrHkwfr;ka rFkk bfDoVht “kkfey gSa] ij ,Dlikstj
½ ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM
III
dh lhek isa”ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k
ljdkjh deZpkfj;ksa ds ,uih,l iksVZQksfy;ks dks
¼fjiksVZ] fjVuZ] fooj.kh½ fu;e] 2015 ds ifjf”k’V II ds
çcaf/kr djus ds fy, isa”ku fuf/k;ksa }kjk çHkkfjr
vuqlkj gS A
fd;s tkus okys fuos”k çca/ku “kqYd] çca/ku ds v/khu
2-1 isa’ku fuf/k;ka ¼ih,¶l½
ifjlaifÙk;ksa dk 0-0102 çfr”kr çfro’kZ gSA
2-1-3 futh {ks= ,uih,l ;kstukvksa ds fy, isa’ku
isa”ku fuf/k ls rkRi;Z gS ,d e/;LFk bdkbZ ftls
fuf/k;ksa ¼ih,¶l½ dh lwph
çkf/kdj.k }kjk Hkkx 27 ds mi&Hkkx ¼3½ ds rgr
va”knkuksa dks çkIr djus] mUgsa lafpr djus vkSj fofu;eksa i½ ,pMh,Qlh isa”ku eSustesaV da- fyfeVsM
esa ;Fkk fufnZ’V jhfr esa vfHknkrkvksa dks Hkqxrku djus
ii½ vkbZlhvkbZlhvkbZ çwMsaf”k;y isa”ku Q.M eSustesaV
ds fy, ,d isa”ku fuf/k ds :i esa iathdj.k çek.ki=
da- fyfeVsM
fn;k x;k gS A
iii½ dksVsd efgaæk isa”ku Q.M fyfeVsM
2-1-1 isa’ku fuf/k;ksa ds dk;Z
iv½ ,yvkbZlh isa”ku Q.M fyfeVsM
isa’ku fuf/k;ksa ds dk;ksaZ esa 'kkfey gS%
v½ fjyk;al dSfiVy isa”ku Q.M fyfeVsM
d- çkf/kdj.k }kjk fu/kkZfjr rFkk vfHknkrkvksa ds
iv½ ,lchvkbZ isa”ku QaM~l çkbosV fyfeVsM
fgr esa] fuos”k fn”kkfunsZ”kksasa ds vuqlkj çca/ku ds
vii½ ;wVhvkbZ fjVk;jesaV lksY;w”kal çkbosV fyfeVsM
v/khu ifjlaifÙk;ksa dk O;kolkf;d fuos”k A
viii½ fcjyklu ykbQ isa”ku eSustesaV fyfeVsM
[k- çkf/kdj.k }kjk fu/kkZfjr ;kstukvksa ds vuqlkj
isa”ku fuf/k;ksa }kjk xSj&ljdkjh {ks= iksVZQksfy;ks ds
;kstuk iksVZQksfy;ks fuekZ.kA
fy, çHkkfjr fuos”k çca/ku “kqYd] çca/ku ds v/khu
x- viuh lafØ;kvksa dh iqLrdksa vkSj vfHkys[kksa dk ifjlaifÙk;ksa dk 0-01 çfr”kr çfro’kZ gS A
çca/ku A
2-2 ;kstuk,a
?k- çkf/kdj.k rFkk ,uih,lVh dks fu;r le; ds
orZeku esa isa”ku fuf/k;ksa }kjk jk’Vªh; isa”ku ç.kkyh ds
varjky ij fjiksfVaZxA
rgr fuEufyf[kr ;kstuk ¼,a½ çcaf/kr gSa%
M- yksd çdVhdj.k
d½ dsaæ ljdkj deZpkfj;ksa vkSj dsaæ Lok;Ùk
p- isa”ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k fudk; deZpkfj;ksa ds fy, ykxw ;kstuk& bl
;kstuk dks lhth ;kstuk dgk tkrk gS vkSj blds
¼isa”ku fuf/k½] 2015 vkSj mlesa fd, x, la”kks/kuksa
fuEufyf[kr fuos”k fodYi gSaA
ds vuqlkj fu/kkZfjr vU; xfrfof/k;k¡
41PHakrkxt- IV
II
rfydk la[;k 2-1 lhth {ks= esa vkfLr vkoaVu x- O;fäxr vfHknkrkvksa rFkk d‚iksZjsVl ds
fy, ykxw ;kstuk,a%&
Js.kh vkfLr oxZ@midj.k vf/kdre fuEufyf[kr ;kstuk,a O;fäxr vfHknkrkvksa rFkk
,Dlikstj
d‚iksZjsV {ks= ds vfHknkrkvksa ij ykxw gSa %&
i jkT; fodkl _.k ds lEcU/k 50
% 1- ,uih,l& ykbV ;kstuk &;g lhth ;kstuk
esa ljdkjh çfrHkwfr;ka vkSj
ds leku fuos”k çk:i dk vuqlj.k djrh gSA
lEcaf/kr fuos”k*
tcfd] ladyudrkZ 8 isa”ku fuf/k;ksa esa ls fdlh
ii _.k midj.k vkSj lEcaf/kr 45
% ,d dk pquko dj ldrs gSa
fuos”k
2- ,ihokbZ ;kstuk% ;g lhth ;kstuk ds leku
iii y?kqdkfyd _.k midj.k 5
% fuos”k çk:i rFkk isa”ku fuf/k;ksa dk vuqlj.k
vkSj lEcaf/kr fuos”k
# djrh gSA çca/ku ds v/khu ifjlaifÙk;ka rhu
iv bfDoVht vkSj lEcaf/kr fuos”k 15
% isa”ku fuf/k;ksa vFkkZr~ ,yvkbZlh isa”ku Q.M
v lefFkZr vkfLr] lajfpr U;kl 5
% fyfeVsM] ,lchvkbZ isa”ku Q.M çkbosV fyfeVsM
vkSj fofo/k fuos”k
rFkk ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM ds
01 vçSy 2019 ls fuEufyf[krifjorZu çHkkoh gq, A chp forfjr gSA
* ljdkjh çfrHkwfr;ksa vkSj jkT; ljdkj fodkl _.k lfgr 3- d‚iksZjsV lhth ;kstuk& ;g lhth ;kstuk
lEcaf/kr fuos”kksa ds fy, lhek cnydj 55 gks xbZ gS A
%
ds leku fuos”k çk:i rFkk isa”ku fuf/k;ksa dk
lefFkZr vkfLr] lajfpr U;kl vkSj fofo/k fuos”k ds rgr
#
vuqlj.k djrh gSA tcfd] fu;ksäk@deZpkjh
lhek cnydj 10% gks xbZ gSA
rhu lkoZtfud {ks= isa”ku fuf/k;ksa ¼vFkkZr~
çca/ku ds v/khu ifjlaifÙk;ka] iwoZ o’kZ fjVuZ~l ds
,lchvkbZ isa”ku Q.M çkbosV fyfeVsM] ;wVhvkbZ
vuqlkj çkf/kdj.k ds funs”kksa ds rgr rhu isa”ku
fjVk;jesaV lksY;w”kal fyfeVsM vkSj ,yvkbZlh
fuf/k;ksa vFkkZr~ ,yvkbZlh isa”ku Q.M fyfeVsM]
,lchvkbZ isa”ku QaM~l çkbosV fyfeVsM vkSj ;wVhvkbZ isa”ku Q.M fyfeVsM½ esa ls ,d isa”ku fuf/k dk
fjVk;jesVa lksY;”w kla fyfeVsM e saforfjr gSA foÙk o’kZ p;u dj ldrk gSA ;g ;kstuk u, deZpkfj;ksa
2016&17 d sfy, çc/a ku d sv/khu ifjlia fÙk ,lchvkbZ ds fy, can dj nh xbZ gSA
isa”ku Q.M çkbosV fyfeVsM] fjVk;jesaV lksY;w’kal
4 -fV;j I vkSj fV;j II ds fy, bZ&lh&th&,
fyfeVsM vkSj ,yvkbZlh isa”ku Q.M fyfeVsM esa
çk:i& vkfLr;ka bfDoVh] d‚iksZjsV ckaM~l]
33-50: 34-50: 32-00 ds vuqikr esa vkcafVr gSA
ljdkjh çfrHkwfr;ksa rFkk] oSdfYid fuos”k fuf/k]
[k- jkT; ljdkj deZpkfj;ksa rFkk jkT; Lok;Ùk
lsch ¼oSdfYid fuos”k fuf/k½ fofu;e 2012 ds
fudk; deZpkfj;ksa ds fy, ykxw ;kstuk&
rgr ifjHkkf’kr lsch fu;af=r oSdfYid fuos”k
bl ;kstuk dks ,lth ;kstuk dgk tkrk gSA ;g Hkh
fuf/k* ,vkbZ,Q ¼Js.kh I vkSj Js.kh II esa dsoy½
lhth ;kstuk ds leku fuos”k çk:i rFkk isa”ku
esa fuosf”kr gSaA
fuf/k;ksa dk vuqlj.k djrh gSA foÙk o’kZ 2018&19
ds fy, çca/ku ds v/khu ifjlaifÙk ,lchvkbZ isa”ku
Q.M çkboVs fyfeVMs ] ;Vw hvkb ZfjVk;jeVas lkYs ;”w kla
fyfeVsM vkSj ,yvkbZlh isa”ku Q.M fyfeVsM esa
33-50: 34-00: 32-50 ds vuqikr esa vkcafVr gSA
42okf"kZd fjiksVZ | 2018-19
rkfydk 2-2 ;kstukuqlkj izca/ku ds v/khu ifjlaifRr;ksa dk fooj.k fuEu rkfydk esa fn;k x;k gSA
¼#i;s djksM+ esa½
;kstuk ekpZ&18 ekpZ&19 % o`f)
lhth 84955 1]09]011
,lth 115989 1]58]881
midqy 200944 2]67]892 33%
d‚iksZjsV lhth 14846 20683
bZ&I 4308 7234
lh&I 2847 4422
th&I 4243 6897
,&I 7 20
bZ&II 217 325
lh&II 162 209
th&II 181 263
,uih,l ykbV 3006 3409
,ihokbZ 3818 6860
midqy 33636 50322 50%
dqy ;ksx 234579 3]18]214 36%
*lzksr ,uih,l&U;kl
ekpZ 2018 ds fy, fVIi.kh
nkeksnj ?kkVh fuxe ds 309-94 djksM+ dks ,lth ds rgr n”kkZ;k x;k gSA
d‚iksZjsV lhth esa nkeksnj?kkVh fuxe dh ,;w,e “kkfey ugha gSA
ekpZ 2019 ds fy, fVIi.kh
mijksä rkfydk ;g vafdr djrh gS fd ljdkjh tcfd vU; ;kstuk,a lEiw.kZ :i ls #-16]687 djksM+
{ks= ,uih,l ;kstukvksa ¼lhth vkSj ,lth½ ds fy, rd c<+h gSA
çca/ku ds v/khu ifjlaifÙk 33% ls c<+h gS] tcfd
tSlk fd Åij of.kZr gS] fofHkUu ;kstuk,a fofHkUu
bu nks ;kstukvksa ds vfrfjä ;kstukvksa esa çca/ku ds
isa”ku fuf/k çca/kdksa }kjk çcaf/kr gSa] lEcaf/kr isa”ku
v/khu ifjlaifÙk 50% ls c<+h gSA gkykafd] lEiw.kZ :i
fuf/k;ksa ds rgr çca/ku ds v/khu ifjlaifÙk;ksa dk
ls ljdkjh {ks= ;kstuk,a #-66]948 djksM+ ls c<+h gS
fooj.k fuEufyf[kr gS %&
43PHakrkxt- IIVI
rkfydk 2-3% ekpZ 2019 rd ds vuqlkj isa’ku fuf/k vuqlkj vkSj ;kstukuqlkj çca/ku ds v/khu
ifjlaifÙk ¼#i;s djksM+ esa½
isa’ku ,lchvkà ,yvkÃlh ;wVhvkà vkÃlhvkà fjyk;al dksVsd ,pMh,Qlh fcjyk dqy
fufèk lhvkÃ
;kstuk,a
lhth 38453.66 33995.76 36561.29 - - - - - 109010.71
,lth 53946.41 51995.69 52939.00 - - - - - 158881.10
d‚iksZjsV& 18709.21 1973.58 - - - - - - 20682.79
lhth
,&I 4.48 1.06 1.14 3.18 0.21 1.05 7.73 0.67 19.52
Ã&I 2421.64 556.63 378.21 1369.58 102.21 275.20 2081.86 48.88 7234.22
lh&I 1557.26 351.06 216.34 830.39 64.97 171.76 1205.67 24.62 4422.08
th&I 2851.19 567.84 329.66 1069.07 104.77 237.11 1708.95 28.16 6896.77
Ã&lI 101.58 14.26 23.31 80.50 7.66 19.55 73.81 4.77 325.44
lh&lI 68.11 9.70 12.91 59.51 4.49 11.40 39.97 3.01 209.08
th&lI 92.60 18.77 16.85 63.73 5.03 15.90 46.69 3.11 262.69
,uih,l
ykbV @
Lokoyacu 1411.57 980.32 964.68 - - 52.67 - - 3409.24
,ihokà 2341.31 2254.55 2264.46 - - - - - 6860.31
dqy 121959.00 92719.22 93707.84 3475.97 289.35 784.64 5164.69 113.22 318213.94
2-3 ih,QvkjMh, }kjk fuos’k dh Jsf.k;ksa esa fofu;fer vkSj ç’kkflr fofHkUu ;kstukvksa dks
,Dlikstj
d- ih,QvkjMh, ds lhth] ,lth] d‚iksZjsV lhth rFkk ,uih,l ykbV vkSj fofHkUu fuos”k midj.kksa esa ,ihokbZ
;kstuk ds rgr iksVZQksfy;ks ds lUnHkZ esa] vf/kdre fu/kkZfjr ,Dlikstj fuEu rkfydk esa çnku
fd;s x, gSa%&
rkfydk 2-4% ljdkjh {ks= esa vkfLr oxZ esa vkfLr;ksa dk vkoaVu
Js.kh vkfLr oxZ @ midj.k vfèkdre
,Dlikst+j
i ljdkjh çfrHkwfr;ka vkSj jkT; fodkl _.k lfgr lEcafèkr fuos”k* 50%
ii _.kmidj.k vkSj lEcafèkr fuos”k 45%
iii y?kqdkfyd _.k midj.k vkSj lEcafèkr fuos”k # 5%
iv bfDoVht+ vkSj lEcafèkr fuos”k 15%
v leÆFkr vkfLr;ka] lajfpr U;kl vkSj fofoèk fuos”k 5%
01 vçSy 2019 ls fuEufyf[kr ifjorZu çHkkoh gq,A
* ljdkjh çfrHkwfr;ksa vkSj jkT; ljdkj fodkl _.k lfgr lEcaf/kr fuos”kksa ds fy, lhek cnydj 55% gks xbZ gS A
#lefFkZr vkfLr] lajfpr U;kl vkSj fofo/k fuos”k ds rgr lhek cnydj 10% gks xbZ gS A
44okf"kZd fjiksVZ | 2018-19
[k- vfHknkrk] tks ljdkjh {ks= ;kstukvksa ¼lhth vkSj ,lth½] ,uih,l ykbV] dksiksZjsV lhth vkSj ,ihokbZ
ds vykok vU; ;kstukvksa dk p;u djrs gSa] viuh vkfLr;ksa dks fuEu rkfyd ds vuqlkj] vkfLr ox Z
bZ ¼bfDoVh½] vkfLr oxZ lh ¼dksiksZjsV _.k½] vkfLr oxZ th ¼ljdkjh çfrHkwfr;ka½ vkSj vkfLr oxZ ,
¼oSdfYid vkfLr;ka½ esaa vkoafVr dj ldrs gSaA
rkfydk 2-5% ljdkjh {ks= ls fHkUu vkfLr oxksaZ esa vkfLr vkoaVu
Js.kh vkfLr oxZ @ midj.k vf/kdre ,Dlikstj
i jkT; fodkl _.k lfgr ljdkjh çfrHkwfr;ka vkSj lEcaf/kr fuos”k 100
%
ii _.k midj.k vkSj lEcaf/kr fuos”k 100
%
iii y?kqdkfyd _.k midj.k vkSj lEcaf/kr fuos”k 5
%
iv bfDoVht vkSj lEcaf/kr fuos”k 75
%
v lefFkZrvkfLr] lajfpr U;kl vkSj fofo/k fuos”k 5
%
fV;j & [kkrksa ds ekeys esa] vkfLr oxZ , esa dksbZ fuos”k vuqKIr ugha gS] vU; foosdiw.kZ lhek,a leku jgsaxhA
II
ekpZ] 2018 dh rqyuk esa ekpZ] 2019 rd ds vuqlkj vkfLr oxZokj f}Hkktu fuEukuqlkj gS % &
rkfydk 2-6% çca/ku ds v/khu vkfLr dk vkfLr oxZokj f}Hkktu
vkfLr oxZ 31&ekpZ&18 31&ekpZ&19 jkf’k
jkf’k ¼#- djksM+ esa½ fuos’k dk ¼#-djksM+ esa½ fuos’k dk
% %
th&lsd 1]13]230 48-27 1]50]576 47-32
% %
d‚iksZjsV ckaM 80572 34-35 1]11]384 35-00
% %
bfDoVh 32703 13-94 45086 14-17
% %
eqæk cktkj 2760 1-18 2802 0-88
% %
udn vkSj dqy 5314 2-26 8366 2-63
% %
ekStwnk vkfLr;ka
dqy 2]34]579 3]18]214
lzksr% ,uih,l U;kl ls çkIr fjiksVZ ds vuqlkj
pkVZ % 2-1 çca/ku ds v/khu vkfLr dk vkfLr oxZokj f}HkktuA
45PHakrkxt- IIVI
2-4 isa’ku fuf/k ds lEcU/k esa fofu;e] ,uih,l ds rgr futh {ks= ds vfHknkrkvksa ds fy,
vf/klwpuk] tkjh fd, x, çeq[k ifji=@ lfØ; fodYi esa bfDoVh fuos”k ij lhek dks 50% dh
fn’kkfunsZ’k orZeku vuqes; lhek ls c<+kdj 75% dj fn;k gS]
ftlesa vfHknkrk }kjk 50 o’kZ dh vk;q çkIr djus ij
1- ,uih,l ds rgr isa’ku QaM ds fy, d‚eu
bfDoVh vkoaVu dks jksd fn;k tkrk gS A
LVhoMZf’ki dksM ij tkjh ifji= fnukad 04-05-
xSj&ljdkjh {ks= esa vfHknkrkvksa ds fgr esa] lhvkj,
2018
vkfLr oxZ bZ ¼bfDoVh½ esa 75%] lh ¼dkiksZjsV _.k½
fuos”k daifu;ksa ds lkFk fuxjkuh vkSj layXurk dks
esa 100% rd] th ¼ljdkjh çfrHkwfr;ksa½ esa 100% vkSj
c<+kdj isa”ku fuf/k;ksa ls vfHknkrkvksa@ykHkkfFkZ;ksa ds
vkfLr oxZ , ¼dsoy Vh;j I ds fy,½ 5% rd
çfr vf/kd ftEesnkjh dh mEehn dh tkrh gSA bl rjg
dh ,Dlikstj lhek dh fuxjkuh djsxk rkfd ;g
dh xfrfof/k;ksa dks vkerkSj ij laLFkkxr fuos”kdksa vkSj
lqfuf”pr fd;k tk lds fd bl rjg dh lhekvksa dk
ifjlaifÙk çca/kdksa dh ^çca/kdin ftEesnkjh* ds :i esa
ikyu fd;k tkrk gSA
lanfHkZr fd;k tkrk gS vkSj bldk mís”; vfHknkrkvksa
4- isa’ku fuf/k;ksa }kjk bfDoVh E;wpqvy QaM
dh isa”ku laink dh j{kk djuk gSA mlh ds rgr]
esa fuos’k ds lEcU/k esa ,uih,l ;kstukvksa ds
çkf/kdj.k us d‚eu LVhoMZf”ki dksM ij ,d ifji=
fy, fuos’k fn’kkfunsZ’kkasa fnukad 20-08-2018 esa
tkjh fd;k gS] ftldk ikyu lHkh isa”ku fuf/k;ksa }kjk
cnykoA
,uih,l lajpuk ds rgr fd;k tk,xk A
çkf/kdj.k }kjk bfDoVh E;qpqvy QaM esa fuos”k ij bl
2- ,uih,l ;kstukvksa ds rgr fuos’k ds fy,
çdkj ls 5% dh lhek yxkus fu.kZ; fy;k x;k gS
la’kksf/kr jsfVax ekunaM fnukad 08-05-2018
ftlls fd bl rjg ds E;wpqvy QaM esa fuos”k fd;k
çkf/kdj.k }kjk isa”kufuf/k;ksa dks mu d‚iksZjsV
x;k dqy iksVZQksfy;ks fdlh Hkh le; QaM ds dqy
c‚UM @ çfrHkwfr;ksa esa fuos”k djus dh vuqefr nsus
iksVZQksfy;ks ds 5% ls vf/kd ugha gksxk vkSj bl rjg
ds fy, fu.kZ; fy;k x;k gS ftuds ikl , jsfVax ;k
ds E;wpqvy QaM esa u, fuos”k o’kZ esa fuos”k fd, x,
ykxw jsfVax Ldsy esa lerqY; gS] tks fd çeq[k fuos”k
ubZ vfHko`f) ds 5% ls vf/kd ugha gksxkA
fn”kkfunsZ”kksa esa lanfHkZr isa”ku fuf/k ds lEiw.kZ d‚iksZjsV
blds vykok] ;g fu.kZ; fy;k x;k gS fd fdlh
ckaM iksVZQksfy;ks ¼;kstuk@vkfLr oxZ lh½ ij , ls ,,
Hkh Js.kh ;k bZVh,Q ;k baMsDl QaM esa isa”ku QaM
ds chp 10 çfr”kr ls vuf/kd dh lhek ds v/khu gSA
}kjk is”ksoj QaM@ifjlaifÙk çca/kdksa ds ek/;e ls
isa”ku fuf/k dks çfrHkwfr;ksa esa fd, x, fuos”k ij]
mfYyf[kr fdlh Hkh E;wpqvy QaM esa fuos”k dh jkf”k
ftlesa ^,* dh U;wure jsfVax gksrh gS vkSj bl Js.kh esa
dks muds çca/ku “kqYd dh x.kuk ds mís”; ls ckgj
MkmuxzsM] ;fn dksbZ gks rks] lfgr muds çn”kZu ij bl
j[kk tk,xkA
rjg ds fuos”k dh fuxjkuh ds fy, ,uih,l U;kl dks
5- ifji= la ih,QvkjMh,@2018@56@
,d =Sekfld fooj.k çLrqr djuk vko”;d gksrk gS A
ih,Q@2 fnukad 20 vxLr] 2018] ,uih,l
3- ,uih,l ;kstukvksa ¼ljdkjh {ks= ¼lhth
;kstukvksa esa isa’ku fuf/k;ksa }kjk bfDoVh E;wP;wvy
vkSj ,lth½] dkiksZjsV lhth] ,uih,l ykbV vkSj
QaM~l esa fuos’k ds lEcU/k esa fn’kfunsZ’kksasa esa
,ihokbZ ds vykok½ ds fy, fuos’k fn’kkfunsZ’kkasa
ifjorZu ij Li"Vhdj.k ds fy, ifji= fnukad
fnukad 22-05-2018 esa la’kks/kuA
02-11-2018A
46okf"kZd fjiksVZ | 2018-19
;g ifji=] mu eqíksa ij Li’Vhdj.k çnku djrk gS vfHkys[kiky vfHkdj.kksa ¼lhvkj,½ dks igys ls lwfpr
tks fd bfDoVh E;wP;wvy Q.M] bZVh,Q ;k baMsDl djuk gksxkA A
Q.M esa fuos”k ds fy, la”kksf/kr fn”kkfunZ”kksa dks ykxw
7- LVhoMZf’ki dksM ds nk;js esa ,uih,l U;kl
djrs le; isa”ku fuf/k;ksa }kjk çR;{k fd, x, tSlk
dks 'kfey djuk]ifji= fnukad 16-11-2018 A
fd ifji= fnukad 20 vxLr] 2018 esa of.kZr gS] tkjh
;g ifji= ;g lwfpr djrk gS fd] ,uih,l dh
fd;k x;k Li’Vhdj.k fuEufyf[kr gS%
vlewgh—r lajpuk esa] ,uih,l U;klog e/;LFk bdkbZ
i½ rjy E;wpqvy QaM esa isa”ku QaM }kjk fd, x, fuos”k
gS tks ,uih,l vfHknkrkvksa dh vksj ls isa”ku fuf/k;ksa ds
dks fuos”k çca/ku “kqYd ds Hkqxrku ls ckgj ugha j[kk
ek/;e ls ;kstuk dh ifjlaifÙk;ksa dk vf/kxzg.k] çca/ku
tk,xkA rnuqlkj] rjy E;wpqvy QaM esa fuos”k ds fy,
;k fuiVku djrk gS vkSj ifjlaifÙk;ksa dks vius uke
vkbZ,e,Q ds Hkqxrku ds fy, isa”ku QaM ik= gksaxsA
ij j[krk gSA ,uih,l U;kl çkf/kdj.k }kjk vuqeksfnr
ii½ vfHknkrkvksa ds fgrksa dh j{kk ds fy,] ih,Q E;wpqvy fuos”k fn”kkfunsZ”kksa ds vuqlkj bl rjg dh fuf/k ds
QaM~l ;wfuVksa dks rc rd tkjh j[k ldrk gS tc rd fuos”k ds fy, fuf/k vkSj isa”ku fuf/k dk dkuwuh ekfyd
fd mUgsa ,d o’kZ iwjk ugha gks tkrk gS] rkfd fudkl gSA ,uih,l U;kl] bl çdkj ,d laLFkkxr fuos”kd
Hkkj ls cpk tk ldsA ds :i esa dk;Z djrk gS tcfd isa”ku fuf/k viuh vksj
ls laifÙk çca/kdksa ds :i esa dk;Z djrh gSaA mi;qZä dks
iii½ fuos”k çca/ku “kqYd dks bZVh,Q vkfn lfgr lHkh
/;ku esa j[krs gq,] ;g Hkh r; fd;k x;k fd ,uih,l
fuos”kksa ls çHkkfjr fd;k tk jgk gS] tc ifji= fnukd
U;kl dks LVhoMZf”ki dksM ds nk;js esa yk;k tk,A
20-08-2018 djus ls igys ih,Q dks ,sls fuos”k ij
vkbZ,e,Q dks çHkkfjr djus dh vuqefr nh xbZ FkhA 8- çkf/kdj.k }kjk ,uih,l ;kstukvksa ds
ysfdu E;wpqvy QaM~l ¼fyfDoM E;wpqvy QaM dks fy, fuos’k fn’kkfunsZ’kksa esa cnyko ij tkjh
NksM+dj½] bZVh,Q ;k baMsDl QaM fuos”k ifji= tkjh ifji= la[;k ih,QvkjMh,@2018@56@
gksus ij;k ds ckn fy, x, vkbZ,e,Q dks fuos”k ih,Q@2 fnukad 20 vxLr] 2018 ij Li"Vhdj.k
çca/ku “kqYd dh x.kuk ls ckgj j[kk tkrk gSA fnukad 22-11-2018A
6- d‚iksZjsV e‚My ,uih,l: d‚iksZjsV~l ;g ifji=] mu eqíksa ij Li’Vhdj.k çnku djrk gS tks
}kjk ih,Q vkSj fuos’k fodYiksa vkSj deZpkfj;ksa fd bfDoVh E;wP;wvy Q.M] bZVh,Q ;k baMsDl Q.M
ds ,uih,l vkosnu ds lkewfgd çek.khdj.k esa fuos”k ds fy, la”kksf/kr fn”kkfun”kksa dks ykxw djrs
ds fy, çko/kkuksa esa la’kks/ku ] ifji= fnukad le; isa”ku fuf/k;ksa }kjk çR;{k fd, x, tSlk fd fcanq
14-11-2018A 4 ds rgr mfYyf[kr gSA blfy,] çkf/kdj.k }kjk dqN
Li’Vhdj.k tkjh fd, x, Fks] vFkkZr~ fyfDoM E;wpqvy
bl ifji= esa dgk x;k gS fd ;k rks fu;ksäk @
QaM esa isa”ku QaM }kjk fd, x, fuos”k dks fuos”k
d‚iksZjsV ;k deZpkjh @ vfHknkrk ds ikl isa”ku fuf/k
çca/ku “kqYd ds Hkqxrku ls ckgj ugha j[kk tk,xkA
vkSj vkfLr vkoaVu ds p;u dk fodYi gksxkA blds
blds vykok] vfHknkrkvksa ds fgrksa dh j{kk ds fy,]
vykok] d‚iksZjsV @ fu;ksäk ds ikl vius deZpkfj;ksa
isa”ku QaM ,d lky iwjk gksus rd E;wpqvy QaMksa dks
ds ,uih,l vkosnuksa dks O;fäxr :i ls ;k vyx
tkjh j[k ldrs gSa] rkfd fudkl Hkkj ls cpk tk
ls d‚iksZjsV ysVjgsM ij lkewfgd vf/kdj.k ds fy,
ldsA ih,Q bu bdkbZ;ksa dks tYn ls tYn çkIr
vf/k—r djus dk fodYi gksxk] ftlds fy, lhvkj,
djsxk] tc fudkl Hkkj ifji= ds çko/kkuksa dk ikyu
ç.kkyh esa bl fodYi dks l{ke djus ds fy, dsaæh;
djuk can dj nsxkA blds vykok] isa”ku QaMksa }kjk
47PHakrkxt- IIVI
fd, x, fdlh Hkh Js.kh ;k bZVh,Q ;k baMsDl QaM~l 10- ,uih,l ;kstukvksa ¼ljdkjh {ks= ¼lhth
esa mfYyf[kr fdlh Hkh E;wpqvy QaM esa fuos”k ds vkSj ,lth½] dksiksZjV lhth] ,uih,l ykbV vkSj
cfg’dj.k dks dsoy ifji= dh rkjh[k ls fuos”k çca/ku ,ihokbZ ij ykxw½ ds fy, fuos’k fn’kkfunsZ’ksa
“kqYd dh x.kuk ls ckgj j[kk tk,xkA fnukad 25-03-2019 esa ifjorZuA
9- ih,QvkjMh, ds lkFk iath—r e/;LFk cktkj dh fLFkfr;ksa] ljdkjh çfrHkwfr;ksa vkSj
bdkbZ;ksa ds fy, lkbcj lqj{kk uhfr fnukad lacaf/kr fuos”kksa ij lhek vkSj vYidkfyd _.k
07-01-2019 midj.kksa vkSj lacaf/kr fuos”kksa ij vk/kkfjr ;kstuk
ds çn”kZu dks csgrj cukrs gq, isa”ku fuf/k;ksa dks
lkbcj lqj{kk ds laca/k esaifji= la-ih,QvkjMh,@
yphykiu çnku djus ds fy, lhek dks lHkh ds fy,
2017@31@lhvkj,@5 fnukad 04-10-2017] çkf/kdj.k
us vkxs ,d vkSj ifji= fnukad 07-01-2019 tkjh fd;k
5% fd;k x;k gSA ljdkjh çfrHkwfr;ksa vkSj lacaf/kr
gS vkSj dgk gS fd e/;LFk bdkbZ Hkh vk/ks lky ds
fuos”kksa ij lhek vc 50% ls 55% gksxh vkSj vYikof/k
vk/kkj ij vuqca/k] ds vuqlkj ,d çek.k i= çLrqr
_.k midj.kksa vkSj lacaf/kr fuos”kksa ij igys ds 5%
djsaxs] ;g ?kks’k.kk djrs gq, fd os lkbcj lqj{kk
ls 10% gksxkA ;g ifji= 1 vçSy] 2019 ls çHkkoh
gksxk A
uhfr dk ikyu dj jgs gSa vkSj tSlk muds lacaf/kr
fu;kedksa }kjk vknsf”kr ml çdkj ikyu dj jgs gSaA
vuqyXud ,] vFkkZr~ lkbcj lqj{kk uhfr ds vuqikyu
dk çek.k i= ifji= ds lkFk layXu gS A
48okf"kZd fjiksVZ | 2018-19
Hkkx&
III
;g vè;k; isa”ku fufèk fofu;ked vkSj fodkl çkfèkdj.k ,uih,l lnL;rk ds iathdj.k vkSj viyksM ds fy,
vfèkfu;e] 2013 dh èkkjk 14 ds vuqlkj jk’Vªh; isa”ku ftEesnkj gSa] mifLFkfr vfLrRo ¼ihvksih½ tks cSad]
ç.kkyh rFkk isa”ku ;kstukvksa ds Øfed fodkl ds fy, xSj&cSaÇdx foÙkh; daifu;ka ¼,uch,Qlh½] lw{e foÙk
çkfèkdj.k ds drZO;] “kfä rFkk dk;ks±] tks fd bl laLFkku ¼,e,Qvký vkfn gSa] d‚iksZjsV~l] futh {ks=
ra= rFkk ;kstukvksa esa vfHknkrkvksa ds fgrksa dh j{kk ds vkSj vlaxfBr {ks= ds fu;ksäk ds fy, ,uih,l
lEcUèk esa gSa ij ppkZ djrk gS A lnL;rk ds iathdj.k vkSj viyksM esa lgk;rk djrs gSa]
ladyudrkZ fo”ks’k :i ls vukSipkfjd {ks= esa laHkkfor
çkfèkdj.k ds dk;Z
vfHknkrkvksa rd igqapus esa enn djrs gSa] dsUæh;
3-1 eè;LFk bdkÃ;ksa dk iathdj.k vkSj ,sls vfHkys[kiky vfHkdj.k ¼lhvkj,½ ] tks vfHknkrkvksa ds
iathdj.k fuyacu] fujlu vkfn vkSj jk"Vªh; O;fäxr isa”ku [kkrksa ftUgsa çku dgk tkrk gS] ds
isa’ku ç.kkyh ;k vU; isa’ku ;kstukvksa ls lacf)r vfHkys[kikyu ds fy, ftEesnkj gksrk gS vkSj ,uih,l
bdkÃ;ksa ds fØ;kdykiksa dk fofu;eu lajpuk esa leUo;d ds :i esa dk;Z djrk gS] U;klh
cSad] èku vkSj cSaÇdx lqfoèkkvksa ds nSfud çokg ds fy,
ih,QvkjMh, vfèkfu;e] 2013 dh èkkjk 14 jk’Vªh;
ftEesnkj gS] isa”ku fufèk;ka ¼ih,¶l½ ih,QvkjMh, }kjk
isa”ku ç.kkyh vkSj isa”ku ;kstukvksa ds Øfed fodkl dks
fuèkkZfjr fuos”k fn”kkfunsZ”kksa ds vuqlkj ,uih,lds rgr
fofu;fer djus] c<+kok nsus vkSj lqfuf”pr djus vkSj
“kkfey fd, x, vfHknkrkvksa dh isa”ku ifjlaifÙk;ksa
,slh ç.kkyh vkSj ;kstukvksa ds vfHknkrkvksa ds fgrksa dh
dk fuos”k vkSj çcaèku djus ds fy, vfuok;Z gS vkSj
j{kk djus ds fy, çkfèkdj.k ds drZO;ksa] “kfä;ksa vkSj
okÆ’kdh lsok çnkrkvksa ¼,,lih½ dks vfHknkrkvksa ds
dk;ks± dks fuèkkZfjr djrh gSA
lkFk ,d ekfld okÆ’kdh isa”ku çnku djus ds fy,
jk’Vªh; isa”ku ç.kkyh vkSj dksà Hkh vU; isa”ku ;kstuk
ih,QvkjMh, ds lkFk lwphc) fd;k x;k gSA
tks ih,QvkjMh, }kjk dsaæ vkSj jkT; ljdkj esa cM+h
31 ekpZ] 2019 rd ds vuqlkj] çkFkfed osru dk;kZy;ksa@
la[;k esa bdkÃ;ksa tSls osru,oa ys[kk dk;kZy;@
ftyk [ktkuk dk;kZy;ksa] çèkku ys[kk dk;kZy;ksa@ftyk
dks’kkxkj dk;kZy;ksa ds ekè;e ls lapkfyr dh tkrh
[ktkuk dk;kZy;ksa vkSj vkgj.k ,oa forj.k dk;kZy;ksa
gS] os ,uih,ldSu ij ljdkjh deZpkfj;ksa dh vkofèkd
dh la[;k fuEufyf[kr gS A
rkfydk la[;k 3-1 çkFkfed osru dk;kZy;@ftyk [ktkuk dk;Zy;@çèkku ys[kk dk;kZy;ksa@ftyk
[ktkuk dk;kZy;ksa@vkgj.k ,oe forj.k dk;kZy;ksa dh la[;k
{ks= çkFkfed osru dk;kZy;@ çèkku ys[kk dk;kZy;ksa @ vkgj.k ,oe forj.k dk;kZy;ksa
ftyk [ktkuk dk;Zy; dh ftyk [ktkuk dk;kZy;ksa dh la[;k
la[;k dh la[;k
dsaæ ljdkj 131 2]900 15]724
dsaæ Lok;Ùk 578 1]880 3]920
fudk;
dqy 709 4]780 19]644
49PHakkrxt- IIVII
rkfydk la[;k 3-2 ftyk [ktkuk dk;Zy; @ftyk [ktkuk dk;kZy;ksa@vkgj.k ,oe forj.k dk;kZy;ksa
dh la[;k
{ks= ftyk [ktkuk dk;Zy; ftyk [ktkuk dk;kZy;ksa vkgj.k ,oe forj.k dk;kZy;ksa
dh la[;k dh la[;k dh la[;k
jkT; ljdkj 72 1]955 2]23]204
jkT; Lok;Ùk 422 3]748 12]441
fudk;
dqy 494 5]703 2]35]645
blds vykok] 31 ekpZ] 2019 rd ds vuqlkj 268 dk;Z djus dh vuqefr gksxh ftUgksaus vius
mifLFkfr vfLrRo gS ] nks dsaæh; vfHkys[kiky vfHkdj.k] deZpkfj;ksa dks deZpkjh Hkfo’; fufèk vkSj fofoèk
,d U;klh cSad] vkB isa”ku fufèk;ka vkSj ikap okÆ’kdh çkoèkku vfèkfu;e] 1952 ;k deZpkjh jkT; chek
lsok çnkrk gSa A vfèkfu;e] 1948 ;k oLrq vkSj lsok vfèkfu;e]
2017 ds çkoèkkuksa ds rgr lkekftd lqj{kk ykHk
vVy isa”ku ;kstuk ¼,ihoký ih,QvkjMh, }kjk ç”kkflr
ds rgr “kkfey fd;k x;k gS vkSj vkosnu dh
gS A ,ihokà lsok çnkrkvksa dks ih,QvkjMh, fofu;eksa
frfFk ls nks o’kZ ls de le; ds fy, ] mä
ds nk;js esa ykus ds fy,] ,uih,l ¼ladyudrkZ vkSj
vfèkfu;eksa ds rgr vfèkdkfj;ksa ds lkFk iath—r
mifLFkfr vfLrRo½ ds rgr fofHkUu Jsf.k;ksa dk çcaèku
gS A
djus okys fu;eksa dks fujLr dj fn;k x;k Fkk vkSj
ladyudrkZ vkSj mifLFkfr vfLrRo] ,ihokà ds fy, iv- ,uih,lykbV&Lokoyacu ;kstuk
,dh—r fu;e vFkkZr~ ih,QvkjMh, ¼ihvksih½ fofu;e]
v- vVy isa”ku ;kstuk
2015 fnukad 25-06-2018 dks vfèklwfpr fd, x,A bu
vi- çkfèkdj.k }kjk fofu;fer vkSj ç’kkflr dksà Hkh
fofu;eksa dh vfèklwpuk dh rkjh[k ij] ih,QvkjMh,
vU; ;kstuk
¼ihvksih½ fofu;e] 2015 vkSj mlds rgr fd, x,
la”kksèkuksa dks fujLr dj fn;kA orZeku fu;eksa ds rgr ihvksih fofu;e] 2018] ds rgr ih,QvkjMh, us
ihvksih dh Jsf.k;ka fuEukuqlkj gSa% mifLFkfr vfLrRoksa ¼ihvksiht+½] ihvksih&,lÃt+dks
iathdj.k çek.ki= tkjh fd, gSa] rd ds vuqlkj tkjh
i- jk’Vªh; isa”ku ç.kkyh ¼,uih,l½& HkkSfrd vkSj
fd;s x, çek.ki=ksa dh la[;k fuEukuqlkj gS %
lkFk gh v‚uykbu eapksa ds ekè;e ls cM+s iSekus
ij turk ds fy, forj.k vkSj lsokçnku djuk ¼i½ mifLFkfr vfLrRo&268 ¼ii½ mifLFkfr
vfLrRo&lsokçnkrk& 28
ii- jk’Vªh; isa”ku ç.kkyh ¼,uih,l½& dsoy
v‚uykbu eapksa ds ekè;e ls cM+s iSekus ij foÙk o’kZ 2018&19 ds nkSjku] 20 O;fäxr lsokfuo`fÙk
ukxfjdksa ds fy, forj.k vkSj lsokçnku djukA lykgdkj vkSj O;fäxr lsokfuo`fÙk lykgdkjksa ds
vykok 1 ,uih,l lajpuk ds rgr iath—r Fks A
iii- jk’Vªh; isa”ku ç.kkyh ¼,uih,l½ & dsoy
iathdj.k çfØ;k esa rsth ykus ds fy,] iathdj.k ds
HkkSfrd ;k v‚uykbu eapksa ds ekè;e ls vius
fy, v‚uykbu eap dh “kq#vkr dh xÃ] tgka vkosnd
deZpkfj;ksa vkSj vU; dÆe;ksa ds fy,
v‚uykbu vkosnu dj ldrs gSa A
forj.kA c”krsZ fd dsoy ,slh laLFkkvksa dks
50okf"kZd fjiksVZ | 2018-19
ih,QvkjMh, us ,u,lMh,y&lhvkj, dks 31-03-2020 fyfeVsMA foÙk o’kZ 2018&19 ds fy, çcaèku
rd foLrkj ;k ih,QvkjMh, ¼lhvkj,½ ¼çFke la”kksèku½ ds vèkhu vkfLr;k¡ ,lchvkà isa”ku çkbosV
fofu;e] 2015 esa ls tks Hkh igys gks ds rgr] mä fyfeVsM] ;wVhvkà fjVk;jesaV lksY;w”kal fyfeVsM
fofu;eksa ds dk;kZUo;u dh lqfoèkk ds fy, iathdj.k vkSj ,yvkÃlh isa”kuQaM fyfeVsMds chp
çek.k i= çnku djus dh frfFk tkjh dh gSA 33-5%34-5%32 ¼07-05-2018 ls½ vuqikr esa vkoafVr
gS] tks fd foÙk o’kZ 2017&18 ¼06-11-2017½
3-2 ;kstukvksa dk vuqeksnu] mudh ;kstukvksa
ds fy, ,lchvkà isa”ku çkbosV fyfeVsM] ;wVhvkÃ
ds rgr isa’ku fufèk;ksa vkSj fuos’k fn’kkfunsZ’kksasa
fjVk;jesaV lksY;w”kal fyfeVsM vkSj ,yvkÃlh
ds çcaèku ds fy, fu;e lfgr fu;e vkSj 'krs±
isa”kuQaM fyfeVsM ds chp 33%34%33 vuqikr esa
orZeku esa isa”ku fufèk }kjk çcafèkr jk”Vªh; isa”ku
vkoafVr FkhA
ç.kkyh ds rgr fuEufyf[kr ;kstuk,a lapkfyr gSa%
ii- jkT; ljdkj deZpkfj;ksa vkSj jkT; Lok;Ùk
d½ dsaæ ljdkj ds deZpkfj;ksa vkSj dsaæh; Lok;Ùk
fudk; deZpkfj;ksa ds fy, ykxw ;kstuk,sa& bl
fudk;ksa ds deZpkfj;ksa ds fy, ykxw ;kstuk &
;kstuk dks ,lth ;kstuk dgk tkrk gS vkSj ;g
bl ;kstuk dks lhth;kstuk dgk tkrk gS vkSj blesa
lhth ;kstuk ds leku fuos”k çk:i vkSj isa”ku
fuEufyf[kr fuos”k iSVuZ gSa%
fufèk;ksa dk vuqlj.k djrh gS IfoÙk o’kZ
rkfydk 3-3% lhth esa vkfLr vkoaVu 2018&19 ds fy, çcaèku ds vèkhu vkfLr;k¡
,lchvkà isa”ku çkbosV fyfeVsM] ;wVhvkÃ
Js.kh vkfLr oxZ @ midj.k vfèkdre
fjVk;jesaV lksY;w”kal fyfeVsM vkSj ,yvkÃlh
,Dlikst+j isa”kuQaM fyfeVsM ds chp 33-5%34-5%32
i jkT; ljdkj _.k lfgr 50% ¼07-05-2018 ls½ vuqikr esa vkoafVr gS] tks fd
ljdkjh çfrHkwfr;ka vkSj lEcafèkr
foÙk o’kZ 2017&18 ¼06-11-2017½ ds fy,
fuos”k *
,lchvkà isa”ku çkbosV fyfeVsM] ;wVhvkÃ
ii _.k midj.k vkSj lEcafèkr 45%
fjVk;jesaV lksY;w”kal fyfeVsM vkSj ,yvkÃlh
fuos”k
isa”ku QaM fyfeVsM ds chp 33%34%33 vuqikr esa
iii y?kqdkfyd _.k midj.k vkSj 5%
lEcafèkr fuos”k # vkoafVr Fkh A
iv bfDoVht+ vkSj lEcafèkr fuos”k 15% [k½ O;fä;ksa vkSj daifu;ksa ds fy, ykxw
v leÆFkr vkfLr] lajfpr U;kl 5% ;kstuk,a % &
vkSj fofoèk fuos”k
fuEufyf[kr ;kstuk,a O;fäxr vfHknkrkvksa vkSj
fuEufyf[kr ifjorZu fnukad 1 vçSy 2019 ls gq, gSa
d‚iksZjsV vfHknkrkvksa ij ykxw gksrh gSa % &
*ljdkjh çfrHkwfr;ksa ds rgr fuos”k vkSj jkT; fodkl _.k lfgr lEcafèkr
fuos”k esa lhek cnydj 55% gks xà gS A
1- ,uih,l&ykbV ;kstuk& ;g lhth ;kstuk ds
# leÆFkr vkfLr ds rgr fuos”k] lajfpr U;kl vkSj fofoèk fuos”k ds fy,
lhek 10% rd gks xà gSA leku gh vkfLr vkoaVu iSVuZ dk vuqlj.k
djrh gSA gkykafd] ladyudrkZ vkB isa”ku
i- çcaèku ds vèkhu vkfLr;k¡] vafre o’kZ fjVuZl ds
fufèk;ksa esa ls fdlh ,d isa”ku fufèk dks pqu
vuqlkj çkfèkdj.k ds funsZ”kksa ds rgr rhu isa”ku
ldrs gSa A
fufèk;ksa ds rgr forfjr dh xà gSa tSls ,yvkÃlh
isa”kuQaM fyfeVsM] ,lchvkà isa”kuQaMl çkbosV 2- ,ihokà ;kstuk% ;g lhth ;kstuk ds leku
fyfeVsM vkSj ;wVhvkà fjVk;jesaV lksY;w”kal
51PHakkrxt- IV
III
vkfLr vkoaVu iSVuZ dk vuqlj.k djrh gSA l‚Y;”ku fyfeVsM vkSj ,yvkÃlh isa”ku QaM
çcaèku ds rgr ifjlaifÙk;ksa dks rhu isa”ku fyfeVsM½ esa ls ,d isa”ku fufèk pqu ldrs gSaA
fufèk;ksa tSls fd ,yvkÃlh isa”ku QaM fyfeVsM] ;g ;kstuk fdlh Hkh u, deZpkfj;ksa ds fy, can
,lchvkà isa”ku QaM çkbosV fyfeVsM vkSj dj nh xà gS A
;wVhvkà fjVk;jesaV l‚Y;w”kal fyfeVsM esa forfjr
4- fV;j&I vkSj fV;j&II ds fy, Ãlhth,
fd;k tkrk gS A
iSVuZ&vkfLr;ksa dks bfDoVh] d‚iksZjsV ckaM~l]
3- d‚iksZjsV lhth ;kstuk& ;g lhth ;kstuk ds ljdkjh çfrHkwfr;ka vkSj oSdfYid fuos”k fufèk;ka]
leku gh vkfLr vkoaVu dk vuqlj.k djrh lsch ¼vYVjusfVo bUosLVesaV Q.M½ jsxqys”ku
gSA gkykafd] fu;ksäk@deZpkjh] rhu lkoZtfud 2012 ds rgr ;Fkk ifjHkkf’kr oSdfYid fuos”k
{ks= dh isa”ku fufèk;ksa ¼vFkkZr~ ,lchvkà isa”u fufèk;ksa esa fuosf”kr fd;s tkrs gSa A
QaM çkbosV fyfeVsM] ;wVhvkà fjVk;jesaV
3-3 jk"Vªh; isa’ku ç.kkyh ls vfHknkrkvksa dk fudkl
3-3-1 ih,QvkjMh, ¼,uih,l ds rgr fudkl vkSj çR;kgj.k½ fofu;e] 2015 ds vuqlkj] fuEufyf[kr
çR;kgj.k Jsf.k;ka vuqKkr gSa %
rkfydk 3-4% ih,QvkjMh, ¼,uih,l ds rgr fudkl vkSj çR;kgj.k½ fofu;e] 2015 ds vuqlkj]
fuEufyf[kr çR;kgj.k Jsf.k;ka
Ø-la- çR;kgj.k ljdkjh {ks= esa 'krs± xSj&ljdkjh {ks= esa 'krs±
Jsf.k;ka
1 lkekU; vfHknkrk ds lafpr isa”ku èku ds vfHknkrk ds lafpr isa”ku èku ds U;wure
vfèkoÆ"krk ij
U;wure 40% dk mi;ksx ekfld 40% dk mi;ksx ekfld isa”ku çnku
isa”ku çnku djus gsrq okÆ’kdh Ø; djus gsrq okÆ’kdh Ø; djus ds fy,
djus ds fy, fd;k tkuk pfg, vkSj fd;k tkuk pfg, vkSj “ks’k jkf”k vfHknkrk
“ks”k jkf”k vfHknkrk dks ,de”r :i ls dks ,deq”r :i ls nh tkuh pkfg, A
nh tkuh pkfg, A
;fn çku esa miyCèk lafpr isa”ku jkf”k 2
;fn çku esa miyCèk lafpr isa”ku jkf”k yk[k ;k 2 yk[k ls vfèkd gS rks vfHknkrk
2 yk[k ;k 2 yk[k ls vfèkd gS rks ds ikl lEiw.kZ isa”ku laifÙk dks fcuk
vfHknkrk ds ikl lEiw.kZ isa”ku laifÙk okÆ’kdh Ø; fd, okil ysus dk fodYi
dks fcuk okÆ’kdh Ø; fd, okil ysus gksxk A
dk fodYi gksxk A
2 e`R;q ij vfHknkrk ds lafpr isa”ku èku ds ;fn çku esa lafpr jkf”k e`R;q ds le;
U;wure 80 dk mi;ksx ifr@iRuh 2 yk[k ;k mlls de gksxh] ukferh ;k
%
dks ekfld isa”ku çnku djus gsrq fofèkd okfjl ds ikl lEiw.kZ isa”ku laifÙk
okÆ’kdh Ø; djus ds fy, fd;k tkuk dks fcuk okÆ’kdh Ø; fd, okil ysus dk
pfg, vkSj “ks’k jkf”k ukferh@fofèkd fodYi gksxkA
okfjl dks ,deq”r :i ls nh tkrh gSA
52okf"kZd fjiksVZ | 2018-19
;fn vfHknkrk dh 60 o’kZ dh vk;q çkIr
djus ;k vfèkoÆ’krk ls iwoZ e`R;q gks
tkrh] rks vfHknkrk dh lEiw.kZ lafpr
isa”ku laifÙk ukferh ;k fofèkd okfjl
dks ns nh tk,xhA
3 le; ls iwoZ vfHknkrk ds lafpr isa”ku èku ds vfHknkrk ds lafpr isa”ku èku ds U;wure
fudkl U;wure 80% dk mi;ksx ekfld isa”ku 80% dk mi;ksx ekfld isa”ku çnku
çnku djus gsrq okÆ’kdh Ø; djus ds djus gsrq okÆ’kdh Ø; djus ds fy,
fy, fd;k tkuk pfg, vkSj “ks’k jkf”k fd;k tkuk pfg, vkSj “ks’k jkf”k vfHknkrk
vfHknkrk dks ,deq”r :i ls nh tkuh dks ,deq”r :i ls nh tkuh pkfg,A
pkfg,A
;fn çku esa miyCèk lafpr isa”ku jkf”k 1
;fn çku esa miyCèk lafpr isa”ku yk[k ;k mlls de gS rks ,sls vfHknkrk ds
jkf”k 1 yk[k ;k mlls de gS rks ,sls ikl lEiw.kZ isa”ku laifÙk dks fcuk okÆ’kdh
vfHknkrk ds ikl lEiw.kZ isa”ku laifÙk Ø; fd, okil ysus dk fodYi gksxk A
dks fcuk okÆ’kdh Ø; fd, okil ysus
dk fodYi gksxkA
4 fodykaxrk vfHknkrk ds lafpr isa”ku èku ds d‚iksZjsV {ks= lfgr ukxfjdksa dk jk’Vªh;
U;wure 40 dk mi;ksx ekfld isa”ku ç.kkyh ls fudkl&vfHknkrk ds
ds ekeys esa %
fudkl isa”ku çnku djus gsrq okÆ’kdh Ø; lafpr isa”ku èku ds U;wure 40% dk
djus ds fy, fd;k tkuk pfg, vkSj mi;ksx ekfld isa”ku çnku djus gsrq
“ks’k jkf”k vfHknkrk dks ,deq”r :i ls okÆ’kdh Ø; djus ds fy, fd;k tkuk
nh tkuh pkfg,A pfg, vkSj “ks’k jkf”k vfHknkrk dks ,de”r
:i ls nh tkuh pkfg, A
;fn çku esa miyCèk lafpr isa”ku jkf”k
;fn çku esa miyCèk lafpr isa”ku jkf”k 2
2 yk[k ;k 2 yk[k ls vfèkd gS rks
yk[k ;k 2 yk[k ls vfèkd gS rks vfHknkrk
vfHknkrk ds ikl lEiw.kZ isa”ku laifÙk
ds ikl lEiw.kZ isa”ku laifÙk dks fcuk
dks fcuk okÆ’kdh Ø; fd, okil
okÆ’kdh Ø; fd, okil ysus dk fodYi
ysus dk fodYi gksxkA ,slh fLFkfr
gksxkA ,slh fLFkfr esa] ljdkjh fpfdRld
esa] ljdkjh fpfdRld ;k M‚DVj ls
;k M‚DVj ls çek.ki= dh vko”;drk
çek.ki= dh vko’;drk gksxh] tc%
gksxh] tc%
d½ chekj vfHknkrk vius fu;fer
d½ chekj vfHknkrk vius fu;fer dk;ks±
dk;ks± dks djus dh fLFkfr esa u gks A
dks djus dh fLFkfr esa u gks A
[k½ fodykaxrk 7 ls vfèkd gks A
% [k½ fodykaxrk 75 ls vfèkd gks A
%
,uih,l ykbV vkSj Lokoyacu vfHknkrkvksa
}kjk jk"Vªh; isa’ku ç.kkyh ls fudkl
53PHakkrxt- IIIVI
vfHknkrk ds lafpr isa”ku èku ds U;wure
40% dk mi;ksx ekfld isa”ku çnku
djus gsrq okÆ’kdh Ø; djus ds fy,
fd;k tkuk pfg, vkSj “ks”k jkf”k vfHknkrk
dks ,deq”r :i ls nh tkuh pkfg, A
;fn çku esa miyCèk lafpr isa”ku jkf”k 2
yk[k ;k 2 yk[k ls vfèkd gS rks vfHknkrk
ds ikl lEiw.kZ isa”ku laifÙk dks fcuk
okÆ’kdh Ø; fd, okil ysus dk fodYi
gksxkA ,slh fLFkfr esa] ljdkjh fpfdRld
;k M‚DVj ls çek.ki= dh vko’;drk
gksxh] tc%
d½ chekj vfHknkrk vius fu;fer dk;ks±
dks djus dh fLFkfr esa u gksA
[k½ fodykaxrk 75% ls vfèkd gksA
,uih,l ls fudkl ds fy,] vfHknkrkvksa dks Js.khc) ykbV vkSj Lokoyacu vfHknkrkA vfHknkrk ftl Js.kh
vkSj ifjHkkf’kr fd;k x;k gS % ¼1½ ljdkjh {ks=] ¼2½ ls lEcafèkr gS rnuqlkj fuÆn’V fudkl fofu;e ykxw
d‚iksZjsV {ks= lfgr loZ ukxfjd vkSj ¼3½ ,uih,l gksaxs A
rkfydk 3-5% 1 vçSy] 2018 ls 31 ekpZ] 2019 rd lwfpr] Loh—r vkSj fuiVk, x, vkgj.k ekeysA
Ø-la- {ks= v‚uykbu vkgj.k
lwfpr * Loh—r $ fuiVk, x,
1 dsaæ ljdkj 4]494 4]149 4]169
2 jkT; ljdkj 12]205 11]014 11]079
3 vlaxfBr {ks= 4]736 4]330 4]256
4 d‚iksZjsV 1]528 1]404 1226
5 ,uih,l ykbV 19]927 19]688 19]671
dqy 42]890 40]585 40]401
¼vkadM+ksa dk lzksr% ,u,lMh,y& lhvkj,½
fVIi.kh %
* v‚uykbu fudkl fjiksVsZM ekeyksa esa uksMy dk;kZy;ksa }kjk vfèk—r rFkk uksMy dk;kZy;ksa ds fy, }kjk vfèk—r gksus ds fy, yafcr
ekeys ‘ks”k gSa A
$ v‚uykbu fudkl fuiVk, x, ekeys oks ekeys gSa ftlesa uksMy dk;kZy; us lhvkj, ç.kkyh esa fudkl vuqjksèk Loh—r fd, gSa A
54okf"kZd fjiksVZ | 2018-19
rkfydk la[;k 3-6% 31] ekpZ 2018 vkSj 31 ekpZ 2019 rd ds vuqlkj yafcr vkgj.k nkos A
Ø-la- {ks= yafcr HkkSfrd vkgj.k yafcr v‚uykbu vkgj.k
31-03-2018 rd 31-03-2019 rd 31-03-2018 r 31-03-2019 rd
ds vuqlkj ds vuqlkj d ds vuqlkj ds vuqlkj
1 dsaæ ljdkj 2 & 464 345
2 jkT; ljdkj 1 & 1]605 1]191
3 vlaxfBr {ks= ¼;wvks,l½ 79 & 423 406
4 d‚iksZjsV 19 & 70 124
5 ,uih,l ykbV 460 & 122 239
dqy 561 & 2]684 2]305
¼vkadMksa dk lzksr%,u,lMh,y& lhvkj,½
fVIi.kh %
HkkSfrd çR;kgj.k % o”kZ ds var esa yfEcr çR;kgj.k nkos og ekeys gSa tgk¡ vfHknkrk@uksMy dk;kZy;ksa dks lhvkj, dks vko’;d nLrkost+ Hkstuk ‘ks”k gSa
v‚uykbu çR;kgj.k% o”kZ ds var esa yfEcr çR;kgj.k nkos og ekeys gSa tgk¡ uksMy dk;kZy;ksa dks lhvkj, ç.kkyh esa çR;kgj.k vuqjksèk vfèk—r djuk ‘ks”k gSa
;g ns[kk x;k fd vfèkdka”k ekeyksa esa vfHknkrkvksa ;k uksMy dk;kZy;ksa }kjk tek djk, x;s mi;qä nLrkostksa dh deh@vi;kZIrrk ds dkj.k çR;kgj.k
vuqjksèk yfEcr gS A
3-3-2 ,uih,l ds rgr vkaf’kd fudklh rgr fudkl vkSj çR;kgj.k½ fofu;e 2015 esa fuÆn’V
fof”k’V ifjfLFkfr;ks ds rgr vkaf”kd çR;kgj.k ds fy,
,uih,l vfHknkrk vkaf”kd çR;kgj.k dj ldrs gSa]
ik= gksus ds fy, vfHknkrk dks ,uih,l esa “kkfey gksus
tc ,uih,l esa “kkfey gksus dh frfFk ls rhu lky
dh frfFk ls rhu lky rd dh vofèk rd cus jguk
iwjs gksus ij vfHknkrk }kjk cPpksa dh f”k{kk vkSj
gksxkA fofu;e 8 ds vuqlkj] mi&fofu;e ¼1½ ¼d½
fookg] ?kj ds Ø;@fuekZ.k ds fy, vkSj fuÆn’V
mi [kaM ¼M-½ vfHknkrk ds fodykaxrk vkSj fu%”kärk
chekjh ds fpfdRldh; mipkj ds fy, [kpZ dh xÃ
ds dkj.k gksus okys çklafxd [kpksZ dks iwjk djus dh
jkf”k] mlds }kjk fd, x, va”knku ds 25 çfr”kr ls
vuqefr nsrk gS A
de gks A vfHknkrk dks ih,QvkjMh, ¼,uih,l ds
rkfydk 3-7% 1 vçSy] 2018 ls 31 ekpZ ] 2019 rd ds nkSjku uksMy dk;kZy; }kjk fjiksVZ fd;s x;s
vkSj fuiVk, x;s vkaf’kd çR;kgj.k ekeysA
vkaf’kd çR;kgj.k
Ø-la- {ks= lwfpr *
uksMy dk;kZy; }kjk uksMy dk;kZy; }kjk fuiVk, x,**
vkjEHk fd, x, vuqeksfnr
#
1 dsaæ ljdkj 6]686 5]911 5]954
2 jkT; ljdkj 10]020 8]915 8]937
3 vlaxfBr {ks= 206 74 75
4 d‚iksZjsV 1087 586 605
dqy 17]999 15]486 15]571
^
55PHakkrxt- IIIVI
fVIi.kh%
* fjiksVZ fd;s x, ekeyksa esa uksMy dk;kZy; }kjk vfèk—r vkSj uksMy dk;kZy; }kjk vfèk—fr gsrq yafcr ekeys
‘kkfey gSa A
**fuiVk, x, ekeys og gSa ftuesa fufèk;ka vfHknkrk ds cSad [kkrs esa tek dj nh xà gSa A
# vfHknkrkvksa }kjk vkjEHk fd;s x, ekeyksa dks uksMy dk;kZy; }kjk ‘kq: fd, x, ekeyksa esa Hkh tksM+k x;k gS A
^ dqN ekeys fiNys o”kksZa ds Lohd`r ekeyksa ls lacaf/kr gSA
3-4 vfHknkrkvksa }kjk pqus x, okÆ"kdh lsok orZeku esa] fuEufyf[kr 5 ,,lih ,uih,l vfHknkrkvksa
çnkrk ¼,,liht+½ vkSj okÆ"kfd;ksa dk fooj.k dks okÆ’kdh lsok,a çnku dj jgs gSaA
orZeku esa] ,uih,l vfHknkrkvksa dks okÆ’kdh lsok,a
vfHknkrkvksa }kjk pqus x, okÆ’kdh lsok çnkrkvksa
çnku djus ds fy, fuEufyf[kr 5 ,,liht+ gSa
¼,,lih½ vkSj okÆ’kdh ;kstukvksa dk fooj.k
d½ Hkkjrh; thou chek fuxe
okÆ’kdh ,deq”r jkf”k tek djus ij isa”ku ds ekfld
Hkqxrku dk çkoèkku djrh gSA vfHknkrk dks ih,QvkjMh, [k½ ,lchvkà ba”;ksjsal da fyfeVsM
ds lwphc) okÆ’kdh lsokçnkrkvksa esa ls ,uih,l ds
x½ vkÃlhvkÃlhvkà çwMsaf”k;y ykbQ ba”;ksjsal
fudkl fu;eksa esa fuÆn’V okÆ’kdh dk vfuok;Z :i ls
da fyfeVsM
Ø; djuk gksxk A
?k½ ,pMh,Qlh LVS.MMZ ykbQ ba”;ksjsal da fyfeVsM
okÆ’kdh lsokçnkrk] Hkkjrh; chek fofu;ked vkSj
³½ LVkj ;wfu;u nkÃ&bph ykbQ ba”;ksjsal
fodkl çkfèkdj.k ¼vkÃvkjMh,vký ls ykblsal çkIr
da fyfeVsM
vkSj fofu;fer thou chek daifu;ka gSa] tks Hkkjr
jk’Vªh; isa”ku ç.kkyh ¼,uih,l½ ds rgr] vfHknkrk ds
esa okÆ’kdh dkjksckj dk lapkyu djrh gS vkSj ;g
ikl okÆ’kdh ds çdkj vkSj okÆ’kdh lsok çnkrk dks pquus
ih,QvkjMh, }kjk ,uih,l ds vfHknkrkvksa dks mudh
dk fodYi gSA vfHknkrk lEcafèkr ,,liht+ }kjk is”k
okÆ’kdh vko”;drkvksa ij lsok çnku djus ds fy,
dh tkus okyh miyCèk ;kstukvksa dh vko”;drkuqlkj
lwphc) gSa A
okÆ’kdh çdkj@;kstuk dk p;u dj ldrk gSA
56okf"kZd fjiksVZ | 2018-19
rkfydk la[;k 3-8% 1 vçSy] 2018 ls 31 ekpZ 2019 rd v‚uykbu okÆ"kdh vuqjksèk çlaL—r fd, x,
Ø- okÆ"kdh lsok çnkrk@okÆ"kdh ;kstuk,a ekeyksa dh LFkkukarfjr jkf’k
la- la[;k ¼#- esa½
,pMh,Qlh ykbQ ba’;ksjsal daiuh fyfeVsM
1 thouHkj ds fy, okÆ’kdh 777 143]015]460-63
2 e`R;q gksus ij Ø; ewY; dh okilh ds lkFk thouHkj ds fy, 707 447]251]647-28
okÆ’kdh
3 okÆ’kdh drkZ dh e`R;q ij thoulkFkh dks thouHkj ds fy, ns; 545 120]591]890-27
100% okÆ’kdh
4 okÆ’kdhdrkZ dh e`R;q ij thoulkFkh dks okÆ’kdh dh [kjhn ij 619 217]855]441-18
thouHkj ds fy, 100% okÆ’kdh fjVuZ ds lkFk
5 thouHkj ds fy, okÆ’kdh çhfe;e@Ø; ewY; dh Hkkxksa esa okilh 1 196]152-13
ds lkFk
6 xaHkhj chekjh dk irk pyus dh fLFkfr esa çhfe;e@Ø; ewY; dh 2 185]924-88
okilh ds lkFk thou Hkj ds fy, okÆ’kdhA
mi&dqy 2651 929]096]516-37
Hkkjrh; thou chek fuxe
1 thouHkj ds fy, okÆ’kdh 1131 278]195]374-30
2 e`R;q ij [kjhn ewY; dh okilh ds lkFk thouHkj ds fy, okÆ’kdh 770 226]040]771-34
3 okÆ’kdh drkZ dh e`R;q ij thou lkFkh dks 100% ds çkoèkku ds 1249 317]466]511-47
lkFk thouHkj ds fy, ns; okÆ’kdhA
4 okÆ’kdh drkZ dh e`R;q ij thou lkFkh dks fjVuZ ds lkFk thou 1287 382]203]760-30
Hkj ds fy, 100% okÆ’kdh
5 ,uih,l&dqVqac vk; fodYi 31 13]985]555-70
mi&dqy 4]468 1]217]891]973-11
,lchvkà thou chek daiuh fyfeVsM
1 thouHkj ds fy, okÆ’kdh 149 59]967]008-08
2 e`R;q gksus ij Ø; ewY; dh okilh ds lkFk okÆ’kdh 121 54]395]641-55
3 okÆ’kdhdrkZ dh e`R;q ij thoulkFkh dks 100% ds çkoèkku ds lkFk 151 59]279]372-37
thouHkj ds fy, ns; okÆ’kdhA
4 okÆ’kdhdrkZ dh e`R;q gksus ij] okÆ’kdh dh [kjhn ij thou lkFkh 190 76]301]799-69
dks fjVuZ ds lkFk 100% okÆ’kdh
5 ,uih,l & dqVqac vk; fodYi 39 13]131]803-05
mi&dqy 650 263]075]624-74
57PHakkrxt- IIIVI
vkÃlhvkÃlhvkà çwMsaf’k;y ykbQ bU’;ksjsa’k daiuh fyfeVsM
1 thouHkj ds fy, okÆ’kdh 69 11]245]555-66
2 e`R;q gksus ij Ø; ewY; dh okilh ds lkFk thou Hkj ds fy, 79 25]547]561-74
okÆ’kdh
3 okÆ’kdh drkZ dh e`R;q gksus ij 100% ds Hkqxrku ds çkoèkku ds 86 17]658]315-71
lkFk thoulkFkh dks thouHkj ds fy, ns; okÆ’kdh
4 okÆ’kdh drkZ dh e`R;q gksus ij] okÆ’kdh dh [kjhn ij thou lkFkh 132 50]512]901-40
dks fjVuZ ds lkFk 100% okÆ’kdh
5 ,uih,l – dqVqac vk; fodYi 14 6]999]158-12
mi&dqy 380 111]963]492-63
LVkj ;wfu;u nkÃ&bph ykbQ ba’;ksjsa’k daiuh fyfeVsM
1 thouHkj ds fy, okÆ’kdh 1 261]306-87
mi&dqy 1 261]306-87
dqy ;ksx 8]150 2]522]288]913-72
pqukSfr;k¡ ftudk okÆ"kdh [kjhnrs le; lkeuk ih,QvkjMh, dk ,d çeq[k y{; vfHknkrkvksa ds fgrksa
fd;k x;k dh j{kk djuk gS vkSj ih,QvkjMh, bl xfrfofèk dks
vkxs c<kus ds fy, fofHkUu fØ;kdykiksa esa layXu gS A
i- okÆ’kdh lsokçnkrkvksa ds ikl vfHknkrkvksa ds
vfHknkrkvksa ds fgrksa dh j{kk ds fy, fd;s x,
lgh laidZ fooj.k dk vHkkoA
mik; %
ii- vfHknkrkvksa@uksMy dk;kZy;ksa esa okÆ’kdh
i½ vfHknkrkvksa ds fgrksa dh j{kk djus ds fy,]
mRiknksa ds fo”k; esa vYi foÙkh; tkx#drk
ih,QvkjMh, us foÙk o’kZ 2018&19 ds nkSjku
vkSj vYi lk{kjrkA ,uih,l ;kstuk ds rgr fuos”k ds fy, jsÇVx
ekunaMksa dks fuos”k fn”kkfunsZ”kksa dh fu;fer
çkfèkdj.k bl eqís ij fu;fer :i ls
leh{kk ds lkFk la”kksfèkr fd;k gSA
lwphc) okÆ’kdh lsok çnkrkvksa vkSj muds
fu;ked vFkkZr~ vkÃvkjMh,vkà ds lkFk ppkZ
ii½ isa”ku fufèk;ksa ls ;g vis{kk dh tkrh gS fd os
fuos”kdrkZ daifu;ksa ds lkFk fuxjkuh vkSj
esa layXu gS rkfd okÆ’kdh ds Ø; ds nkSjku
tqM+ko c<+kdj vfHknkrkvksa@ykHkkÆFk;ksa ds çfr
vfHknkrkvksa dks lqfoèkk çnku dh tk lds]
vfèkd ftEesnkjh fuHkk,aA bl rjg dh
vfHknkrkvksa ds eè; okÆ’kdh mRikn ij
xfrfofèk;ksa dks vkerkSj ij laLFkkxr fuos”kdksa
tkx:drk mRiUu dh tk lds vkSj lkFk gh
vkSj ifjlaifÙk çcaèkdksa dh *çcaèkd in
,d v‚uykbu eap çnku djuk ftlls
ftEesnkjh* ds :i esa lanÆHkr fd;k tkrk gS
okÆ’kdh Ø; dks iw.kZ :i ls v‚uykbu çfØ;k vkSj bldk mís”; vfHknkrkvksa dh isa”ku laink
cuk;k tk ldsA dh j{kk djuk gSA mlh ds eísutj] çkfèkdj.k
us d‚eu LVhoMZf”ki dksM ij ,d ifji=
3-5 jk"Vªh; isa’ku ç.kkyh vkSj vfèkfu;e ds rgr
tkjh fd;k gS] ftldk ikyu ,uih,l
vU; isa’ku ;kstukvksa ds vèkhu vfHknkrkvksa ds
lajpuk ds rgr lHkh isa”ku fufèk;ksa }kjk
fgrksa dh j{kk ds fy, fd, x, fØ;kdyki
fd;k tk,xk A
58okf"kZd fjiksVZ | 2018-19
iii½ ,uih,l dh vlewgh—r lajpuk esa] ,uih,l jgh gSa rkfd =qfV;ksa vkSj okilh dh iqujko`fÙk
U;kl eè;LFk gS tks ,uih,l vfHknkrkvksa ls cpk ldsA ;g vfHknkrkvksa }kjk fd, x,
dh vksj ls isa”ku fufèk ds ekè;e ls ;kstuk ;ksxnku dk le; ij fuos”k lqfuf”pr
dh ifjlaifÙk;ksa dk vfèkxzg.k] çcaèku ;k djrk gSA
fuiVku djrk gS vkSj vius uke ij laifÙk vii½ ,sls QaM okilh ds ekeyksa dks de djus
èkkj.k djrk gSA ,uih,l U;kl çkfèkdj.k }kjk ds fy,] ,d doÇjx i= rS;kj fd;k x;k gS
vuqeksfnr fuos”k fn”kkfunsZ”kksasa ds vuqlkj] fufèk tks ,llh,Q ds lkFk tkjh gksrk gS A bl i=
vkSj isa”ku fufèk ds opuc) fuos”kksa ds fy, bl esa igys ls Hkjs gq, {ks= tSls fd ysunsu
rjg dh fufèk;ksa dk dkuwuh ekfyd gSA vkÃMh] jkf”k vkfn “kkfey gSa] ftls uksMy
,uih,l U;kl] bl çdkj ,d laLFkkxr vfèkdkjh dks vfèk—r djuk gksrk gS vkSj vius
fuos”kd ds :i esa dk;Z djrk gS tcfd isa”ku ekU;rk çkIr cudj dks U;klh cSad esa
fufèk;ka viuh vksj ls laifÙk çcaèkdksa ds :i esa fufèk LFkkukUrj.k ds fy, tek djuk gksrk gSA
dk;Z djrh gSaA mi;qZä ds eísutj] ;g Hkh r;
viii½ ih,QvkjMh, dh osclkbV vfHknkrkvksa vkSj
fd;k x;k fd ,uih,l U;kl dks LVhoMZf”ki
laHkkfor vfHknkrkvksa dks vfHknkrkvksa ds
dksM ds nk;js esa yk;k tk,A
vfèkdkjksa vkSj fgrksa] fofu;eksa] ifji=ksa] isa”ku
iv½ v‚uykbu eap dk mi;ksx djus okys ,uih,l ;kstukvksa ds mRiknksa] isa”ku fufèk;ksa] fcpkSfy;ksa]
vfHknkrkvksa ds fgr esa ikjnÆ”krk vkSj fu’i{krk fudkl vkSj ykHkksa dh lqj{kk ij tkudkjh
lqfuf”pr djus ds fy, ] çkfèkdj.k }kjk ;g lfgr lwpuk vkSj ekxZn”kZu lkexzh çnku
fu.kZ; fy;k x;k Fkk fd ,xzhxsVj@isesaV djrh gSA
xsVos vkSj ihvksih ds Lrj ij ,sls ysunsu ds
ix½ ,uih,l U;kl dh osclkbV Hkh ,uih,l ds
fy, “kqYd vkSj fuiVku dk le; fo”ks’k :i
ckjs esa tkudkjh nsrh gS tks ,d le; ij
ls ihvksih dh osclkbV ij ,uih,l lkfgR;
vfHknkrkvksa ds fy, mi;ksxh gSaA ,u,oh
ds lkFk çnÆ”kr gksuk pkfg,A
fooj.k] ;kstukvksa ds fjVUlZ] ;kstukvksa
v½ ih,QvkjMh, us lwpuk ç.kkyh] usVodZ dh dh iksVZQksfy;ks tkudkjh] vfHknkrkvksa dh
lqj{kk vkSj uhfr;ksa vkSj çfØ;kvksa dk ikyu tkudkjh@rqyuk ds fy, çdV dh tkrh
lqfuf”pr djus ds fy, ih,QvkjMh, ds lkFk gSA ikjnÆ”krk lqfuf”pr djus ds fy,
iath—r eè;LFkksa ds fy, lkbcj lqj{kk uhfr vfHknkrkvksa dks iksVZQksfy;ks fooj.k dk
tkjh dh gS A çdVhdj.k fd;k tkrk gSA
¼vi½ U;klh cSad dks uksMy dk;kZy;ksa ls isa”ku fufèk x½ ih,QvkjMh, dh isa”ku lk{kjrk igy ds :i
çcaèkdksa dks èku gLrkarj.k dh lqfoèkk ds fy, esa] isa”ku lap; osclkbV ¼
pensionsanchay-org-
fu;qä fd;k tkrk gSA lacafèkr uksMy dk;kZy;ksa ½ “kq: dh xà A osclkbV èku vkSj foÙkh;
in
dks çs”k.k dh okilh ds ckjs esa lwpuk Ãesy fu;kstu vkSj lsokfuo`fÙk ;kstuk ls lacafèkr
ds lkFk&lkFk HkkSfrd i=ksa esa Hkh Hksth tkrh gSA fo’k;ksa vkSj ekSfyd rRoksa vkSj voèkkj.kkvksa
blds vykok çs”k.k dh dh vLoh—fr ds fy, ds lanHkZ çnku djrh gS vkSj ,d Cy‚x vuqHkkx
dkj.kksa ds vykok uksMy dk;kZy;ksa }kjk is”k djrh gS ftlesa isa”ku] cpr vkSj fuos”k]
lqèkkjkRed dkjZokà vkSj lkoèkkfu;ka cjrh tk lsokfuo`fÙk ;kstuk] èku vkSj foÙk ds cqfu;knh
59PHakkrxt- IIIVI
<kaps vkSj lsokfuo`fÙk ;kstuk ds igyqvksa ls gksrk gS] rks ,sls ekeys esa vfHknkrk ,uih,l U;kl dks
lacafèkr fo’k;ksa ij ppkZ gksrh gSA f”kdk;r vkxs c<+k ldrs gSaA blh rjg] ;fn vfHknkrk
xi½ Hkkjr ljdkj us viuh vfèklwpuk fnukad çfrfØ;k ls larq’V ugÈ gS ;k 30 fnuksa ds Hkhrj mls
31-01-2019 ds ekè;e lsdsaæ ljdkj deZpkfj;ksa dksà çfrfØ;k ugÈ feyh gS ] rks vfHknkrk yksdiky
ds ,uih,l [kkrksa esa va”knku dks 10% ls 14% dh dh f”kdk;r dks ntZ dj ldrk gSA ;fn os yksdiky
o`f) dks fnukad 01 vçSy 2019 dks vfèklwfpr }kjk ikfjr vkns”k ls larq’V ugÈ gSa rks vfHknkrk
fd;k gSA vfèklwpuk ds vuqlkj] deZpkjh dh ih,QvkjMh, ds ukfer lnL; ls Hkh vihy dj ldrs
vksj ls Þekfld va”knkuß deZpkjh ds ewy osru gSaA Jh fouksn dqekj ikaMs oSrfud yksdiky FksA
tek egaxkà HkÙks dk 10% gksxk vkSjdsaæ ljdkj fnukad 31 ekpZ] 2019 rd lhth,e,l esa ntZ f”kdk;rsa
}kjk ewy osru tek egaxkà HkÙks dk 14% gksxkA vkSj mudh fLFkfr fuEu rkfydk esa nh xà gS %
,uih,l va”knku ds xSj@foyafcr tek ds fy,
rkfydk 3-9% fnukad 1 vçSy] 2018 ls 31 ekpZ]
eqvkots ds lkFk dsaæ ljdkj deZpkfj;ksa dks
2019 rd ds vuqlkj lhth,e,l esa çkIr vkSj
isa”ku fufèk vkSj fuos”k ds iSVuZ dks pquus esa
lekIr dh xà f’kdk;rsa
vfèkd Lora=rk nh xà gSA
Ø- {ks= 31 ekpZ 31ekpZ 31ekpZ
3-6 vfHknkrkvksa dh f’kdk;rksa ds fuokj.k ds
2018 rd 2019 rd 2019
fy, ra= vkSj ,slh f’kdk;rksa ds fuokj.k ds la-
ds vuqlkj çkIr rd
fy, dh xà xfrfofèk;ka
yafcr lqy>k,
x,
,uih,l ds ikl dsaæh; vfHkys[kiky vfHkdj.k
1 ,uih,l 5]219 1]35]467 1]37]013
¼lhvkj,½ esa dsaæh—r cgqLrjh; f”kdk;r fuokj.k ra=
fu;fer
gS] ftlesa ljyrk ls igq¡pk tk ldrk gS] lqyHk] ljy]
2 ,uih,l 193 2]688 2]837
Rofjr] fu’i{k] mÙkjnk;h vkSj çHkkoh gSA fofu;eksa us
ykbV
vfHknkrk f”kdk;r dks gy djus ds fy, pkj Lrjh;
3 ,ihokà 1]298 14]661 15]535
o`f) lkapk çnku fd;k gSA vfHknkrk ds ikl d‚y
lsaVj@baVj,fDVo o‚;l fjLikal flLVe ¼vkÃohvkj½] dqy 6]710 1]52]816 1]55]385
osc vkèkkfjr baVjQsl] HkkSfrd çi=ksa ds ekè;e ls
lzksr % lhvkj, dh fjiksVZ ds vuqlkj
f”kdk;r@vkjksi ntZ djus dk fodYi gksrk gSA dsaæh;
f”kdk;r çcaèku ç.kkyh ¼lhth,e,l½] ftls lhvkj, fVIif.k;ka%
}kjk çcafèkr fd;k tkrk gS ds ekè;e ls ntZ dh xÃ
*lhth,e,l esa vfHknkrkvksa }kjk fn, x, ijke”kZ ftUgsa f”kdk;r
f”kdk;rksa dh fLFkfr ns[kus ds fy, vfHknkrk lhvkj,
ds #i es pquk x;k A
osclkbV ij tk ldrk gS ;k
www.cra-nsdl.co.in
31 ekpZ] 2019 rd ds vuqlkj fofHkUu eè;LFk bdkb;ksa dks
d‚y lsaVj ij d‚y djds Vksdu uacj ntZ djrs gq,
lhth,e,l esa o’kZ ds nkSjku çkIr dh xà f”kdk;rsa vkSj mudh
fLFkfr tku ldrk gSA vfHknkrk tkjh fd, x, ewy
fLFkfr fuEu rkfydk esa nh xà gS %
Vksdu uacj dks fuÆn’V djds mijksä oÆ.kr fdlh Hkh
,d rjhds ls ,d fjekbaMj Hkh tqVk ldrk gSA ;fn
vfHknkrk dks rhl ¼30½ fnuksa ds Hkhrj dksà çfrfØ;k
ugÈ feyrh gS ;k eè;LFk }kjk ladYi ls larq’V ugÈ
60okf"kZd fjiksVZ | 2018-19
rkfydk 3-10 lhth,e,l esa 1 vçSy 2018 ls 31 ekpZ 2019 rd çkIr vkSj fuiVkà xà f’kdk;rsaA
Ø-la- ekeys ntZ fd;s x, 31 ekpZ 2018 rd 31 ekpZ 2019 rd 31 ekpZ 2019
yafcr yafcr rd lqy>k, x,
1 dsaæ ljdkj 777 4]035 4]166
2 jkT; ljdkj 579 6]164 6]196
3 ihvksih 1]138 13]171 13]928
4 d‚iksZjsV 21 93 88
5 U;klh cSad 205 24 27
6 ,uih,lykbV ¼ladyudrkZ½ 160 835 977
7 ,ihokü,ihokÃ&,lih½ 1]195 9]441 10]328
8 Ã,uih,l 169 1]158 1]252
9 lhvkj, 363 18]591 18]448
10 ,uih,l U;kl 2]103 99]304 99]975
dqy 6]710 1]52]816 1]55]385
lzksr% lhvkj, dh fjiksVZ ds vuqlkj
çeq[k f”kdk;rsa tks çkIr dh xà gSa] ysu&nsu ds lykgdkjksa dk dk;Z vkSj mÙkjnkf;Ro isa”ku {ks= dh
fooj.k] [kkrs esa va”knku jkf”k dk çnÆ”kr u gksuk] çku Øfed o`f) lqfuf”pr djuk gSA
dkMZ lacafèkr] vfHknkrk fooj.k dk xyr çlaLdj.k]
foÙk o’kZ 16&17 ds nkSjku] ih,QvkjMh, us]
va”knku jkf”k dks viyksM djus esa vkfn ls lEcafèkr gSaA
ih,QvkjMh, ¼lsokfuo`fÙk lykgdkj½ fofu;e 2016 ds
lhth,e,l esa iath—r f”kdk;rksa dks vko”;d dkjZokÃ
vuqlkj lsokfuo`fÙk lykgdkj ds :i esa O;fä;ksa dks
ds fy, lhèks lEcafèkr eè;LFk bdkÃ;ksa dks Hkstk tkrk
iathdj.k çek.ki= nsuk “kq: dj fn;kA ih,QvkjMh,
gSA vr%] lEcafèkr eè;LFk bdkÃ;ksa dks lhth,e,l esa
us lsokfuo`fÙk lykgdkj çek.ku tkap ds çek.ku ds
muds f[kykQ ntZ dh xà f”kdk;rksa dk lekèkku vkSj
fy, us”kuy baLVhVîwV v‚Q flD;ksfjVht ekdsZV
lekfIr djuh gksxhA lhth,e,l esa f”kdk;rksa dk
¼,uvkÃ,l,e½ dks ekU;rk nh gSA ekpZ 2019 rd ]
lekèkku vkSj lekfIr djus ds fy, vkofèkd vuqLekjd
,uvkÃ,l,elhjht& ds lkFk dqy 423 mEehnokj
XVII
lacafèkr eè;LFk bdkà dks Hksts tkrs gSa A
lsokfuo`fÙk lykgdkj çek.ku ijh{kk esa çekf.kr Fks A
3-7 lsokfuo`fÙk lykgdkjksa ds fy, çek.ku foÙk o’kZ 2018&19 esa] 20 lsokfuo`fÙk lykgdkj ¼vkj,½]
dk;ZØe O;fäxr Js.kh esa vkSj O;fäxr Js.kh ds vfrfjä Js.kh
esa 01 lsokfuo`fÙk lykgdkj ¼vkj,½ dks ih,QvkjMh,
isa”ku fufèk fofu;ked vkSj fodkl çkfèkdj.k ,uih,l
}kjk iath—r fd;k x;k A foÙk o’kZ 2018&19 esa
ds dojst dks c<kus vkSj ,uih,l ds rgr laifÙk
ukekafdr gq,] çLrqr gq, vkSj mÙkh.kZ gq, mehnokjksa
vkoafVr djus vkSj ih,Q,e pquus ds fy, vfHknkrkvksa
dk rqyukRed frekgh lkj fuEukuqlkj gS %
dks lykgdkj lsok,a çnku djus ds fy, lsokfuo`fÙk
lykgdkjksa dks iath—r dj jgk gSA lsokfuo`fÙk
61PHakkrxt- IIIVI
rkfydk la[;k 3-11 % lsokfuo`fÙk lykgdkj dk;Z lewgksa vkSj fofHkUu varj&fu;ked Q+ksje vFkkZr~
baVj jsxqysVjh VsfDudy xzqi ¼vkÃvkj&Vhth½] VsfDudy
çek.ku fooj.k
xzqi v‚u Qkbusaf”k;y buDywtu ,aM Qkbusaf”k;y
,u Js.kh & lsokfuo`fÙk lykgdkj çek.ku
XVII: fyVjslh ¼Vhth,QvkÃ,Q,y½] baVj jsxqysVjh Qksje
ekg ukekafdr çLrqr mÙkh.kZ Q‚j e‚fuVÇjx Qkbusaf”k;y dkaXyksesjsV~l] oÉdx xzqi
vçSy&twu 2018 67 61 26 v‚u jstksY;w”ku jhtkbe Q‚j Qkbusaf”k;y baLVhVîw”kal]
tqykÃ&flrEcj 2018 90 64 32 eSØks Qkbusaf”k;y e‚fuVÇjx xzqi ¼,e,Q,eth½] bu
vDVwcj&fnlEcj 156 128 44 lfefr @ lewgksa @ eapksa ds mís”;ksa dks vkxs c<+kus esa
2018 lfØ; :i ls ;ksxnku nsrk gSA
tuojh&ekpZ 2019 159 161 70
D;ksafd ,d isa”ku fu;ked dks isa”ku] lsokfuo`fÙk
dqy 472 414 172 ;kstuk@cpr ds lkFk&lkFk isa”ku {ks= dks
fodflr djus ds O;kid vkns”k dks lkSaik tkrk gSA
3-8 çkfèkdj.k }kjk eè;LFk bdkÃ;ksads vkadM+s]
ih,QvkjMh, dh ,d isa”ku lk{kjrk igy ds :i
vè;;u] vuqlaèkku vkSj ifj;kstukvksa dh
esa] fnukad 28 Qjojh 2018 dks isa”ku lap; osclkbV
opuc)rk vkSj çorZu lfgr A
¼ ½ dk ekuuh; foÙk ea=h }
www.pensionsanchay.org.in
kjk “kqHkkjEHk fd;k x;k FkkA
tulkaf[;dh] lsokfuo`fÙk cpr vkSj fuos”k ds vkèkkj
ij ,d O;kid vkadM+ksa dk laxzg vkSj ladyu] fofHkUu lsokfuo`fÙk dh ;kstuk ds ifjçs{; ls] isa”ku lk{kjrk
foÙkh; laxBuksa }kjk tkjh fd, x, fofHkUu foÙkh; ds fy, “kqHkadj ds :i esa isa”ku lap; uke çklafxd
mRikn@;kstuk,a tks varÆufgr vfHknkrkvksa dh gS D;ksafd lsokfuo`fÙk dh ;kstuk cukrs le; lap;
o`)koLFkk vk; lqj{kk dks iwjk djus ds fy, fuÆer gSa] pj.k lcls egRoiw.kZ Hkkx gSA osclkbV èku vkSj foÙkh;
buls mRiUu çfrQy] vfHknkrkvksa dks çnku çdVhdj.k fu;kstu vkSj lsokfuo`fÙk ;kstuk ls lacafèkr fo’k;ksa vkSj
vkSj lqj{kk vkfn ih,QvkjMh, ds ekStwnk fØ;k dykiksa ekSfyd rRoksa vkSj voèkkj.kkvksa ds lanHkZ çnku djrh
esa “kkfey gSa A bl fn”kk esa] ih,QvkjMh, esa fofHkUu gS vkSj ,d Cy‚x vuqHkkx is”k djrh gS ftlesa isa”ku]
isa”ku ;kstukvksa ds rgr doj fd, x, yksxksa vkSj cpr vkSj fuos”k] lsokfuo`fÙk ;kstuk] èku vkSj foÙk ds
fofHkUu ;kstukvksa ds rgr isa”ku çkIr djus okys yksxksa cqfu;knh <kaps vkSj lsokfuo`fÙk ;kstuk ds igyqvksa ls
ds ckjs esa tkudkjh ladfyr dj jgk gSA ih,QvkjMh, lacafèkr fo’k;ksa ij ppkZ gksrh gSA
ns”k esa vU; isa”ku çnkrkvksa ls tkudkjh ,df=r djus
dh çfØ;k esa layXu gS A
3-9 vfHknkrkvksa vkSj vke turk dks isa’ku]
lsokfuo`fÙk cpr vkSj lacafèkr eqíksa ij f’kf{kr ih,QvkjMh, Hkh foÙkh; f”k{kk ds fy, jk’Vªh; dsUæ
¼,ulh,Qý ds lkFk&lkFk Hkkjrh; fjtoZ cSad] lsch
djus ds fy, mBk, x, dne vkSj eè;LFk
vkSj vkÃvkjMh,vkà ds lkFk lg&çpkjd gS] ftls
bdkÃ;ksa ds çf’k{k.k dk fooj.k
foÙkh; fLFkjrk vkSj fodkl ifj’kn dh foÙkh; f”k{kk
3-9-1 foÙkh; lk{kjrk% ds fy, jk’Vªh; j.kuhfr ds vuqlkj ns”k Hkj esa lekt
ds lHkh oxks± ds fy, foÙkh; f”k{kk ij c<+kok nsus ds
foÙkh; fLFkjrk vkSj fodkl ifj”kn ¼,Q,lMhlh½ ds
fy, 5 flrEcj] 2018 dks èkkjk 8 ¼daiuh ykHk ds fy,
lnL; ds :i esa ih,QvkjMh,] bldh mi&lfefr]
ugȽ ds :i esa ‘kkfey fd;k x;k gS A
62okf"kZd fjiksVZ | 2018-19
3-9-2 foÙkh; vfHkdj.kksa vkSj vU; vfHkdj.kksa esa foÙkh; f”k{kk lkexzh cukus ds fy, tula[;k dk;Z
ds lkFk leUo; ds fy, dk;ZØe i=dksa] lkfgR;] iSEQ+ysV] iqfLrdk] ¶+yk;j] rduhdh
lgk;rk vkSj foÙkh; lk{kjrk esa lqèkkj ds fy, foÙkh;
ih,QvkjMh,] Hkkjrh; fjt+oZ cSad ¼vkjchvký] Hkkjrh;
cktkjksa vkSj foÙkh; fMftVy eksM ij y{; vkèkkfjr
çfrHkwfr vkSj fofue; cksMZ ¼lsch½] ba”;ksjsal jsxqysVjh
n”kZdksa ds fy, mi;qä foÙkh; lkfgR; rS;kj djuk
,aM MsoyiesaV vFk‚fjVh v‚Q+ bafM;k ¼vkÃvkjMh,vký
rkfd foÙk esa muds Kku] le>] dkS”ky vkSj {kerk esa
ds lkFk us”kuy lsaVj Q+‚j Q+kbusaf”k;y ,tqds”ku
lqèkkj gks ldsA
¼,ulh,Qý ds lkFk èkkjk 8 ¼u‚V Q+‚j ç‚fQ+V½ dks
,ihokà dks ,ulh,Qà e‚Mîwy esa “kkfey fd;k x;k gS]
c<+kok ns jgk gSA ,ulh,QÃ dk y{;] miHkksäk laj{k.k
tks U;wure isa”ku dh xkjaVh nsus okyh ljdkjh ;kstukvksa
vkSj f”kdk;r fuokj.k ds fy, fu’i{k vkSj ikjn”kÊ
esa ls ,d gSA blds vykok] ,uih,l dks lsokfuo`fÙk
e”khujh ds lkFk fofu;fer laLFkkvksa ds ekè;e ls
vko”;drkvksa ds lekèkku ds :i esa ,ulh,QÃ e‚Mîwy
mfpr foÙkh; mRiknksa vkSj lsokvksa dks miyCèk djkrs
esa Hkh “kkfey fd;k x;k gSA
gq, yksxksa dks iSls dk çcaèku vkSj vfèkd çHkkoh <ax ls
foÙkh; dY;k.k çkIr djus esa enn djus ds fy, cM+s isa”ku] lsokfuo`fÙk cpr vkSj lacafèkr eqíksa ij vfHknkrkvksa
iSekus ij foÙkh; f”k{kk vfHk;ku “kq: djuk gSA vkSj vke turk dks f”kf{kr djus dh çkfèkdj.k dh
igy dks iwjk djus ds fy, ih,QvkjMh, lkoZtfud
daiuh dk mís”; Hkkjr esa lHkh oxks± ds fy, Qkbusaf”k;y
:i ls foÙkh; vkSj isa”ku lk{kjrk esa lqèkkj ds fy,]
LVsfcfyVh ,aM MsoyiesaV dkmafly dh foÙkh; f”k{kk
,uih,l vkSj ,ihokà dh lqfoèkkvksa vkSj ykHkksa dk
ij jk’Vªh; j.kuhfr ds vuqlkj foÙkh; f”k{kk dk çpkj
çpkj djrs gq, fofHkUu ehfM;k eapksa& ÇçV ehfM;k]
djuk vkSj tula[;k ds lHkh oxks± ds ekè;e ls
bysDVª‚fud ehfM;k] fMftVy Mksesu vkSj lks”ky
foÙkh; f”k{kk vfHk;kuksa ds ekè;e ls lsfeukj] odZ”k‚i]
ehfM;k dk ykHk mBk jgk gSA ih,QvkjMh, us ,uih,l
lEesyuksa] çf”k{k.k] dk;ZØe ] vfHk;ku] ppkZ eapksa ds
@ ,ihokà mRikn lqfoèkkvksa ;kstukvksa esa “kkfey gksus
ekè;e ls fcuk Qhl@Qhl ds lkFk foÙkh; :i ls
dh ik=rk] de mez esa “kq: gksus ds ykHk] ;kstukvksa
tkx:d vkSj l”kä cukuk gS ;k laLFkkuksa] laxBuksa dh
esa “kkfey gksus dh çfØ;k vkfn ds lEcUèk esa ÇçV
lgk;rk ls vkSj foÙkh; f”k{kk esa çf”k{k.k çnku djus
ehfM;k@ bysDVª‚fud ehfM;k vkSj lks”ky ehfM;k eapksa
vkSj bysDVª‚fud ;k xSj&bysDVª‚fud çk:i] odZcqd]
ij fofHkUu foKkiu tkjh fd, gSa A
3-9-3 ,uih,l tkx:drk] lEçs"k.k vkSj lks’ky ehfM;k
ih,QvkjMh, us Þ ,uih,l& lso jkbV] fjVk;j czkbVÞ FkkA bu fo’k;ksa ds lkFk O;kid ÇçV ehfM;k vfHk;ku
vkSj *,uih,l& fjVk;jesaV Q‚j ,ojhou* Fkhe ds pyk, x, Fks&ftuesa ,uih,l D;k gS] ,uih,l D;ksa
lkFk ,d vfHk;ku “kq: fd;k Fkk ] ftlesa ,uih,l pqus] dkSu dj ykHk esa “kkfey gks ldrs gSa] ,uih,l
ds ckjs esa vfèkd tkuus ds fy, turk dh ftKklk gsYi MsLd ds laidZ fooj.k] ,uih,l U;kl osclkbV
dks mÙksftr djus dh voèkkj.kk Fkh vkSj ifj.kkeLo:i ds fy, D;wvkj dksM bu foKkiuksa esa vafdr fd, x,
mudh o`)koLFkk ds fy, ,d mfpr fu.kZ; fy;k x;k FksA iwjs Hkkjr o’kZ ds 130 ls vfèkd v[kckjksa esa] vaxzsth
63PHakkrxt- IIVII
vkSj 11 vU; {ks=h; Hkk’kkvksa ds foKkiu esa ;g ns[krs ds vkÆFkd vkSj lkekftd dY;k.k ds fy, èkks[kkèkM+h
gq, ÇçV djk, x, Fks fd lans”k {ks= vkSj Hkk’kk dh lacaèkh xfrfofèk;ksa ds ckjs esa tkx:d j[kus ds fy,
ijokg fd, fcuk ns”k dh vke turk rd igqapkus dh &ih,QvkjMh,@,uih,l] Vsyhfot+u foKkiuksa vkSj
t:jr gSA ukxfjdksa vkSj vfHknkrkvksa dks vke turk jsfM;ks ¼,Q,e pSuy½ foKkiuksa ds uke ij èkks[kkèkM+h
vkSj fQ+ǔkx foKkiu Hkh blh nkSjku tkjh fd, x,A
lks’ky ehfM;k ij ih,QvkjMh,
ikjaifjd ehfM;k ftls cM+s iSekus ij turk ds fy, j.kuhfr ds ekè;e ls ehfM;k –”;rk lqfuf”pr gks ldsA
,drjQk lapkj ekuk tkrk gS vkSj ftlds çHkko dh ihvkj j.kuhfr ds dk;kZUo;u dk mís’; ih,QvkjMh,
ek=k pqukSrhiw.kZ gksrh gS ds foijhr lks”ky ehfM;k ds nk;js esa o`)koLFkk vk; lqj{kk dks c<+kok nsus ds fy,
eap xzkgd ds i{k ls çfrfØ;k ds lkFk n”kZdksa dks fofHkUu uhfr;ksa] xfrfofèk;ksa vkSj ;kstukvksa ds ckjs esa
yf{kr djus ds fy, lapkj vkSj lans”k ds forj.k tkx:drk vkSj çlkj tkudkjhdks c<+kok nsuk vkSj ns”k
dk ,d cgqçpkfjr pSuy çnku djrk gSA lks”ky ds çR;sd ukxfjd dks mldh o`)koLFkk vk; gkfly
ehfM;k ukxfjdksa ds lkFk vkmVjhp vkSj tqM+ko ds djus esa Hkkxhnkj cukuk FkkA
fy, egRoiw.kZ Hkwfedk fuHkkrk gS vkSj ih,QvkjMh, us
3-9-5 çf’k{k.k
vfHknkrkvksa ds lkFk tqM+us vkSj laokn djus ds vius
ç;kl esa ,uih,l] ,ihokà vkSj] fV~oVj] ÇyDMbu] isa”ku] lsokfuo`fÙk cpr vkSj eè;LFk bdkÃ;ksa ds
;wVîwc vkSj Qslcqd istksa dks lfØ; djus vkSj cuk, çf”k{k.k ds ckjs esa tkx:drk iSnk djus ds fy,
j[kus ds }kjk lks”ky ehfM;k eapksa ds ekè;e ls [kqn ih,QvkjMh, ds tukns”k ds fy,] ih,QvkjMh, us
dks yxkrkj O;Lr j[kk gSA isa”ku lap; ih,QvkjMh, dsaæ vkSj jkT; ljdkj uksMy vfèkdkfj;ksa& osru vkSj
dh ,d foÙkh; lk{kjrk igy gSA ;s fof”k’V lks”ky ys[kk dk;kZy; ¼ih,vks½] vkgj.k vkSj forj.k dk;kZy;
ehfM;k gSaMy ,uih,l] ,ihokà vkSj isa”ku lap; vkSj ¼MhMhvks½ d‚iksZjsV] mifLFkfr vfLrRo & cSad@xSj&cSad
ih,QvkjMh, lks”ky ehfM;k gSaMy esa 1 yk[k ls vfèkd @ Mkd foHkkx vfHknkrkvksa ds iathdj.k esa “kkfey
QksyksolZ dk ,d cM+k lewg gS A ,ihokà lsokçnkrk] cSadksa ds O;kolkf;d laoknnkrk]
Mhlhlhch ¼ftyk dsaæh; lgdkjh cSad ¼vkjvkjch
3-9-4 tulaidZ vfHkdj.k
¼{ks=h; xzkeh.k cSad vkfn dks] ,uih,l@,ihokà dh
tulaidZ ,tsalh eq[; fo”ks’krkvksa] ;kstukvksa esa “kkfey gksus dh çfØ;k
ds ckjs esa ]okÆ’kdh dk fodYi] f”kdk;rksa dk lekèkku]
ih,QvkjMh, dh fofu;ked vkSj fodkl Hkwfedk ds
vkfn ds lEcUèk esa çf”k{k.k çnku djus ds fy, ,d
çlkj vkSj {ks= dks è;ku esa j[krs gq,] ih,QvkjMh,
çf”k{k.k ,tsalh fu;qä dh gSA
ds fy, py jgh tulaidZ j.kuhfr vkSj dk;ZØe dks
fMtkbu vkSj fu’ikfnr djus ds fy, ,d tulaidZ bu çf”k{k.k dk;Z”kkykvk@sa f”kfojk sadk vk;kstu ljdkjh
,tsalh dh fu;qfä dh xà Fkh rkfd vPNh lapkj {ks= esa uksMy dk;kZy;ksa ds deZpkfj;ksa ds fy, vkSj
64okf"kZd fjiksVZ | 2018-19
xSj&ljdkjh {ks= esa vfHknkrkvksa dks f”kf{kr djus vkSj nf{k.k esa dqy 911 cSpksa dk lapkyu fd;k gS vkSj dqy 36706
l”kä cukus ds fy, ,d O;kid uhfr ds ,d fgLls O;fä;ksa dks bl vofèk ¼8@08@2018&31@03@2019½
ds :i esa fd;k x;kA ds nkSjku çf”kf{kr fd;k x;kA çf”k{k.kksa dh la[;k dk
{ks=okj vkSj jkT;kuqlkj fooj.k fuEukuqlkj gS % &
çf”k{k.k ,tsalh us pkj {ks=ksa vFkkZr~ iwoZ] if”pe] mÙkj vkSj
rkfydk 3-12% izf’kf{k.k dh la[;k dk jkT;kuqlkj forj.k
Ø-la- ,uih,l&{ks= çf’k{k.k l= çfr Hkkxh x.kuk {ks=kuqlkj çf’k{k.k l=
nf{k.k iwoZ mÙkj if’pe
1 lhth 72 2955 6 20 28 18
2 ,lth 590 23612 155 151 134 150
3 lh,ch 30 1340 7 6 12 5
4 ,l,ch 46 2147 0 4 4 38
5 d‚iksZjsV 35 1083 9 1 10 15
6 ihvksih 78 2871 11 3 20 44
dqy 851 34008 188 185 208 270
rkfydk 3-13% ,uih,l vkSj ,ihokbZ lwpuk iVy
Ø-la- ,ihokÃ&{ks= çf’k{k.k l= çfrHkkxh x.kuk {ks=kuqlkj çf’k{k.k l=
nf{k.k iwoZ mÙkj if’pe
1 chlh&,ihokà 16 692 2 6 3 5
2 Mhlhlhch&,ihokà 9 424 0 1 4 4
3 Mhvksih&,ihokà 3 86 2 1 0 0
4 ih,lch,l 2 64 0 0 1 1
5 vkjvkjcht+ 15 697 1 6 1 7
6 Leky Qkbusal 15 735 2 1 6 6
dqy 60 2698 7 15 15 23
3-10 ,uih,l vkSj ,ihokà lwpuk iVy ih,QvkjMh, ,d leÆir ,uih,l @ ,ihokà lwpuk
gsYiMsLd dk lapkyu dj jgk gSA ih,QvkjMh,]
,uih,l vkSj ,ihokà ij o`)koLFkk vk; lqj{kk vkSj
vfHknkrkvksa ds fy, ,ihokà va”knku dh fu;ferrk]
lwpuk ds çlkj ds fy,] tks ns”kHkj ls lqyHk gks vkSj
Hkkjrh; lekt ds fofHkUu oxks± esa ,uih,l@,ihokÃ
ukxfjdksa dks ,uih,l@,ihokà esa uohure fodkl
mRikn lqfoèkkvksa] ç.kkfy;ksa ds yksdfç;rk losZ{k.k
ds ckjs esa crkus] ,uih,l@,ihokà mRikn lqfoèkkvksa]
vkfn esa tkx:drk vkfn ds fo’k; esa tkuus ds fy,
uhfr;ksa] fofu;eksa vkfn ds lacaèk esa ekStwnk vkSj lkFk
vkmVckmaM d‚y djus ds fy, d‚ylsaVj dk mi;ksx
gh laHkkfor vfHknkrkvksa ds ç”uksa ds tokc nsus ds fy,
djrk gS A ,uih,l lwpuk gsYiMsLd dks ehfM;k
65PHakkrxt- IIIVI
vfHk;kuksa ds nkSjku vkSj ehfM;k }kjk ih,QvkjMh, dh ih,QvkjMh, us 06 vkSj 07 ekpZ] 2019 dks vkÃvksih,l
?kks’k.kkvksa ds ekè;e ls çpkfjr fd, tkus ds nkSjku c<+h dh cSBd vkSj lEesyu dks vkÃvksih,l ds leUo;
la[;k esa d‚y çkIr gks jgs gSa A esa lg&vk;ksftr fd;kA Jh czsaMu dSusMh] isa”ku
çkfèkdj.k] vk;jySaM ds eq[; dk;Zdkjh vfèkdkjh] tks
orZeku esa] ,uih,l lwpuk gsYiMsLd ds ekè;e ls nks
vkÃvksih,l rduhdh lfefr ds vè;{k Hkh gSa] mUgksaus
VksyÝh uacj vFkkZr~ 1800110708 ,uih,l ds fy, vkSj
vkSj Hkkjr lfgr 30 ns”kksa ds vfèkdkfj;ksa us blesa Hkkx
1800110069 ,ihokà ds fy, lapkfyr fd, tk jgs
fy;k FkkA
gSaA ,uih,l gsYiMsLd ls d‚ycSd lsokvksa ds fy,]
,l,e,l lqfoèkk Hkh&,l,e,l ,uih,l 56677 ij isa”ku ç.kkfy;ksa ls lacafèkr eqíksa tSls fd isa”ku QaMksa
miyCèk gSA ,uih,l lwpukMsLd jk’Vªh; vodk”k dks ds fuo”k vkSj tksf[ke çcaèku esa Ã,lth dkjdksa ds
NksM+dj iwjs o’kZ esa 8 ?kaVs ¼9-30 cts&”kke 5-30 cts½ ,dhdj.k] lsokfuo`fÙk ykHkksa ds vuqekuksa] ifjHkkf”kr
ykHk isa”ku ;kstukvksa dh l‚Yosalh& i;Zos{kh vkSj uhfr
lIrkg esa 7 fnu ¼jfookj lfgr½ pkyw jgrk gSA
çfrfØ;kvksa vkSj cqfu;knh fuos”k <kapksa dh fuxjkuh]
3-11 foÙk o"kZ 2018&19 ds nkSjku vk;ksftr
tksf[ke vkèkkfjr i;Zos{k.k] futh isa”ku i;Zos{k.k esa
lEeysu
lkbcj lqj{kk] vU; varjkZ’Vªh; laxBuksa ds lkFk
varjkZ’Vªh; lg;ksx ij] cSBd ds nkSjku ppkZ dh xà A
3-11-1- varjkZ"Vªh; lEeysu
vkÃvksih,l rduhdh lfefr dh cSBd vkSj dk;Zdkjh
1- varjkZ"Vªh; Lrj
lfefr dh cSBdksa ds ckn ÞmHkjrs cktkjksa esa LFkk;h
1- vkÃvksih,l rduhdh vkSj dk;Zdkjh lfefr ds
isa”ku ç.kkyh cukus ds fy ,fodYiÞ ij 07 ekpZ ] 2019
cSBd ¼06 ekpZ 2019½
dks ,d lEeysu vk;ksftr fd;k x;kA
vkbZvksih,l rduhdh vkSj dk;Zdkjh lfefr cSBd] ubZ fnYyh
2- ih,QvkjMh, }kjk ÞmHkjrs cktkjksa esa ,d fu;fer isa”ku fufèk fofu;ked vkSj fodkl çkfèkdj.k
isa”ku ç.kkyh cukus ds fy, fodYiß ij vkÃvksih,l ¼ih,QvkjMh,½ us vkÃvksih,l ¼baVjus”kuy
ds leUo; esa fnukad 07 ekpZ] 2019 dks ,d lEeysu vkxsZukbts”ku isa”ku lqijokbtlZ½ ds leUo; esa ÞmHkjrs
vk;ksftr fd;k x;kA cktkjksa esa ,d fu;fer isa”ku ç.kkyh cukus ds fy,
66okf"kZd fjiksVZ | 2018-19
fodYi ij fnukad 07 ekpZ] 2019 dks uà fnYyh esa çHkkoh isa”ku O;oLFkk dks c<+kok nsus esa isa”ku i;Zos{kdksa
varjkZ’Vªh; lEeysu vk;ksftr fd;k A bl vk;kstu esa dh Hkwfedk ] lsokfuo`fÙk fodYiksa dk i;Zos{k.k vkSj isa”ku
nqfu;kHkj ds 30 vfèkd ns”kksa us Hkkx fy;k Fkk] ftlesa O;oLFkk ds i;Zos{k.k ij xksyest l= i jfopkj&foe”kZ
lsokfuo`fÙk cpr dks c<+kus ds fy, j.kuhfr;ksa] ykxr fd;k x;k Fkk A
3-11-2 jk"Vªh; Lrj rkfydk la[;k % 3-14% çeq[k lEeysu@dk;Z’kkyk,a
3-11-2 jk"Vªh; Lrj
Ø-la- eghuk lEeysu fo"k;
ns’k esa ,uih,l ds csgrj fØ;kUo;u ds fy, 1 Qjojh* 2019 dsaæ ljdkj ea=ky;ksa] uÃ
ih,QvkjMh, us o”kZ ds nkSjku cgqr ls lEesyuksa dk fnYyh] ds fy, lEeysu
vk;kstu fd;k FkkA ljdkjh {ks= ds varxZr] ftlesa
2 10 flrEcj 2018 jkT; ljdkj {ks= ds fy,
,uih,l ds vfèkdka’k lnL; ‘kkfey gSa] ih,QvkjMh,
lEeysu] uà fnYyh
us vius çn’kZu dks csgrj cukus ds fy, fofHkUu eqíksa
3 13 twu 2018 dsaæh; Lok;Ùk fudk;ksa
@ ekeyksa ij ljdkjh uksMy dk;kZy;ksa dks lfØ;
¼lh,cht+½] uà fnYyh
fd;k A ih,QvkjMh, us] dsaæ@jkT; ljdkj {ks= esa
4 12 twu 2018 jk’Vªh; ,ihokà lEeysu]
mifLFkr uksMy dk;kZy;ksa ds lkFk fofHkUu rjhds
2018] uà fnYyh
vkSj leh{kk cSBdsa@ohfM;ks lEesyu vk;ksftr fd, gSa
IfoÙkh; o”kZ 2018& 19 ds nkSjku fuEufyf[kr çeq[k
o’kZ 2018&19 ds nkSjku ih,QvkjMh, us lhth vkSj
lEesyu @ dk;Z’kkyk,¡ vk;ksftr dh xb± %
,lth esa ftuesa Lok;Ùk fudk; “kkfey gS] ds rgr
fd;s x, fuEufyf[kr mik;%
67PHakkrxt- IIIVI
rkfydk% 3-15% ih,QvkjMh, }kjk o"kZ 2018&19ds nkSjku vk;ksftr cSBdsa %
'kh"kZ dqy la[;k ea=ky;ksa@jkT;ksa@lh,cht+@,l,cht+
dsaæ ljdkj@ 32 Mkd foHkkx ¼Mkd [kkrs½ ¼3½] ,ulhVh v‚Q fnYyh ea=ky; ¼3½] lhchÃlh
ea=ky;ksa@foHkkxksa ds ¼2½] ty lalkèku ea=ky; ¼2½ x`g ea=ky; ¼1½] mÙkjh jsyos] uà fnYyh
lkFk leh{kk cSBdsa ¼1½] lhMh, ¼lhek lM+dsa½ ¼1½] fnYyh dSaV ¼1½] ys[kk ijh{kk vkSj ys[kk
@ohlh foHkkx ¼1½] lhchMhVh ¼1½] lhMh, iq.ks ¼1½ ] nf{k.kh jsyos] psUuà ¼1½]
nf{k.k if”peh jsyos] gqcyh ¼1½] if”pe jsyos] eqacà ¼1½] eè; jsyos]
eqacà ¼1½] mÙkj iwoÊ jsyos] xksj[kiqj ¼1½] iwoÊ jsyos] dksydkrk ¼1½] ÃLV
lsaVªy jsyos] gkthiqj ¼1½] u‚FkZ lsaVªy jsyos] bykgkckn ¼1½] ihlhMh,
¼usoh½ eqacà ¼1½] lkmFk ÃLV lsaVªy jsyos] fcykliqj ¼1½] osLVuZ lsaVªy
jsyos] tcyiqj ¼1½] ÃLV dksLV jsyos ] HkqousÜoj ¼1½] lkmFk lsaVªy jsyos]
fldanjkckn ¼1½ lkmFk ÃLVuZ jsyos] dksydkrk ¼1½] u‚FkZ ÝafV;j jsyos]
ekyhxkao ¼1½
dsaæ ljdkj@ 11 mÙkjh fnYyh uxj fuxe ¼1½] fnYyh esa ,e,p dk;Z”kkyk ¼1½] tEew esa
ea=ky;ksa@lh,cht+ ,e,p dk;Z”kkyk ¼1½] eqacà esa ,e,p dk;Z”kkyk ¼1½] f”kykax esa ,e,p
ds lkFk dk;Z’kkyk,a dk;Z”kkyk ¼1½] vaMeku vkSj fudksckj ¼1½ ds fy, vk;ksftr dk;Z”kkyk]
gSnjkckn esa ,e,p, dk;Z”kkyk ¼1½] dksydkrk esa ,e,p, dk;Z”kkyk ¼1½]
cSaxyksj esa lhthMh, vfèkdkfj;ksa ds fy, çf’k{k.k lg dk;Z”kkyk ¼1½]
fnYyh esa iksLVy vdkmaÇVx Q‚esZ”ku ds fy, dk;Z”kkyk ¼1½] ,ulhVh
fnYyh ds ih,vks ds fy, vk;ksftr dk;Z”kkyk ¼1½
lh,cht+ dh leh{kk cSBdsa 14 dsoh,l] uà fnYyh ¼3½] lh,lvkÃvkj
¼2½] ,lMh,elh ¼2½] ,El ¼1½] Ãih,Qvks ¼1½] vkÃlh,vkj ¼1½ uÃ
fnYyh uxj fuxe ¼1½] ÃMh,elh ¼1½] uoksn; fo|ky; lfefr] uks,Mk
¼1½] çlkjHkkjrh ¼1½
68okf"kZd fjiksVZ | 2018-19
leh{kk cSBdsa@ jkT;ljdkjsa% • fcgkj ¼4½] >kj[kaM ¼3½] xksok ¼3½] rsyaxkuk ¼3½] gfj;k.kk ¼3½] xqtjkr
jkT;ftu esa Lok;Ùk ¼2½] tEew vkSj d”ehj ¼2½] es?kky; ¼2½] dsjy ¼2½] egkjk’Vª ¼2½] ,eih
fudk; “kkfey gSa esa ¼2½] jktLFkku ¼2½] vle ¼2½] mÙkjk[kaM ¼2½] ukxkySaM ¼2½] ef.kiqj
ohlh vkSj dk;Z”kkyk,a ¼1½] iqnqpsjh ¼1½] dukZVd ¼1½] iatkc ¼1½] vkaèkzçns”k ¼1½ ] paMhx<+ ¼1½]
fetksje ¼1½] flfôe ¼1½] ,pih ¼1½] ;wih ¼1½] vksfM”kk ¼1½
•,ch,l%
•MhihvkÃ] ,eih ¼1½] MhVhMh] ,eih ¼1½] ds,lvkjVhlh ¼1½] ch,lih]
;wih ¼1½] Mh,lÃ] ;wih ¼1½] Mh,pÃ] ;wih¼1½
• ;wih ds 3 ,l,ch ;kuh vkèkkj f”k{kkifj’kn] ekè;fed f”k{kkfuns”kky;
vkSj mPp f”k{kkfuns”kky; ds lkFk dk;Z”kkyk dk vk;kstu
• iatkc ljdkj ds MhVhvks ds fy, lEesyu lgdk;Z”kkykA½
ii- leh{kk cSBdsa@ 5lhth@lh,cht+@,lth@,l,cht+ rkfydk la[;k 3-14 esa n”kkZ;k x;k gSA lHkh ;kstukvksa
uksMy dk;kZy;ksa] ftudh lcls vfèkd f’kdk;rsa vkSj us nksgjs vad okyh o`f) ntZ dh vkSj ,ihokà us ,;w,e
fudkl ekeys gSa] ds lkFk ekfld vkèkkj ij cSBdksa dk ds ekeys esa 80% dh o`f) ntZ dhA
vk;kstuA
o’kZ ds nkSjku dsaæ ljdkj ds fy, lhth ;kstuk us
3-12 isa’ku fufèk;ksa dk çn’kZu vkSj çn’kZu 28% dh o`f) ntZ dhA nwljh vksj] ;kstuk ,lth dh
csapekdZ ifjlaifÙk;ka 37% ls c<+h A
foÙk o”kZ ds nkSjku ,uih,l ;kstuk us viuh ,;w,e esa
lEiw.kZ :i 36% dh cM+h o`f) ntZ dh gS] tSlk fd
69PHakkrxt- IIVII
rkfydk 3-16% fnukad 31 ekpZ 2019 rd ds vuqlkj ,uih,l esa çcaèku ds vèkhu ifjlaifÙk
¼,;w,e½ foHkktu& fodklkuqlkj ;kstuk fLFkfr 2019
31 ekpZ 2019 dks lekIr gqà frekgh ds vuqlkj ,uih,l esa jkf’k #-djksM+ esa
çcaèku ds vèkhu ifjlaifÙk foHkktu&fodklkuqlkj ;kstuk fLFkfr
;kstuk,a 31 ekpZ 2019 chekafdd&,;w,e ,;w,e esa o`f)
ekpZ&17 ekpZ&18 ekpZ&19 ekpZ 17 dh ekpZ 18 dh
rqyuk esa ekpZ rqyuk esa
18 ekpZ 19
jkf’k % jkf’k %
bfDoVh fV;j I 2538-98 4308-22 7234-21 1769-24 69-68 2925-99 67-92
bfDoVh fV;j I 125-90 217-78 325-44 91-89 72-99 107-66 49-43
bfDoVh dqy 2664-88 4526-00 7559-65 1861-13 69-84 3033-65 67-03
dqy ,;q,e esa Hkkx % 1-5 1-9 2-4 3-1 3-6
ckaM~l ¼lh½ fV;j I 1684-95 2846-55 4422-07 1161-60 68-94 1575-52 55-35
ckaM~l ¼lh½ fV;j II 101-33 162-16 209-08 60-83 60-03 46-92 28-94
ckaM~l ¼lh½ dqy 1786-28 3008-71 4631-15 1222-43 68-43 1622-44 53-92
dqy ,;w,e esa Hkkx % 1-0 1-3 1-5 2-0 1-9
thlsd ¼th½ fV;j I 2506-93 4243-06 6896-75 1736-13 69-25 2653-69 62-54
thlsd ¼th½ fV;j II 112-43 181-47 262-69 69-04 61-41 81-21 44-75
thlsd¼th½ dqy 2619-37 4424-53 7159-44 1805-17 68-92 2734-91 61-81
dqy ,;w,e esa Hkkx % 1-5 1-9 2-2 3-0 3-3
;kstuk , fV;j I 1-04 6-53 19-52 5-49 527-38 12-99 198-77
;kstuk , fV;j II 0-10 & & ¼0-10½ &100-00 & &
;kstuk , dqy 1-14 6-53 19-52 5-39 470-87 12-99 198-77
dqy ,;w,e esa Hkkx % 0-0 0-0 0-0 0-0 0-0
midqy fV;j I 6731-91 11404-37 18572-56 4672-46 69-41 7168-19 62-85
midqy fV;j II 339-76 561-41 797-21 221-66 65-24 235-80 42-00
fV;j I $ fV;j II 7071-67 11965-78 19369-77 4894-11 69-21 7403-99 61-88
,uih,l ykbV 2639-21 3005-82 3409-23 366-61 13-89 403-42 13-42
,ihokà 1885-00 3817-86 6860-30 1932-85 102-54 3042-45 79-69
d‚iksZjsV lhth 10753-47 14846-33 20682-83 4092-86 38-06 5836-50 39-31
midqy ¼futh {ks=½ 22349-35 33635-79 50322-14 11286-43 50-50 16686-36 49-61
dqy ,;w,e esa Hkkx % 12-8 14-3 15-8 18-8 20-0
dsaæ ljdkj 67040-05 84954-60 109010-70 17914-54 26-72 24056-10 28-32
dqy ,;w,e esa Hkkx % 38-4 36-2 34-3 29-8 28-8
jkT; ljdkj 85171-43 115988-48 158881-11 30817-05 36-18 42892-63 36-98
dqy ,;w,e esa Hkkx % 48-8 49-4 49-9 51-3 51-3
midqy ¼ljdkjh½ 152211-49 200943-08 267891-81 48731-59 32-02 66948-73 33-32
dqy ,;w,e esa Hkkx % 87-2 85-7 84-2 81-2 80-0
dqy ;ksx 174560-84 234578-86 318213-95 60018-02 34-38 83635-09 35-65
lzksr% ,uih,l U;kl okÆ’kd fjiksVZ
70okf"kZd fjiksVZ | 2018-19
isa’ku fufèk;ksa dk çn’kZu
rkfydk 3-17% isa’ku fufèk;ksa esa çcaèku ds vèkhu ifjlaifÙk ¼,;w,e½
ih,Q,e ,;w,e ,;w,e esa o`f)
¼jkf’k djksM+ esa½
ekpZ&18 ekpZ&19 jkf’k %
,lchvkà isa”ku Q.M çkbosV fyfeVsM 89283 1]21]959 32]676 37
,yvkÃlh isa”ku Q.M fyfeVsM 70130 92]719 22]589 32
;wVhvkà fjVk;jesaV lksY;w”ku fyfeVsM 69483 93]708 24]225 35
,pMh,Qlh isa”ku eSustesaV daiuh fyfeVsM 2560 5]165 2]605 102
vkÃlhvkÃlhvkà çqMsaf”k;y isa”ku QaM~l eSustesaV daiuh 2326 3]476 1]150 49
fyfeVsM
dksVsd eÇgæk isa”ku Q.M fyfeVsM 536 785 249 46
fjyk;al dSfiVy isa”ku Q.M fyfeVsM 231 289 58 25
fcjyk luykbQ isa”ku eSustesaV fyfeVsM 30 113 83 277
dqy 234579 3]18]214 83]635 36
rkfydk 3-18% 31 ekpZ 2019 rd ds vuqlkj ;kstukokj isa’ku fufèk vuqlkj fjVuZ
vkjEHk ls ¼ esa½
%
;kstuk ,lch ,yvkà ;wVhvkà dksVsd vkÃlh fjyk;al ,pMh,Qlh fcjyk
vkÃih,Q lhih,Q vkj,l,y vkÃlhvkÃ
lhth 9-96 9-67 9-65
,lth 9-57 9-66 9-62
,uih,l&ykbV 10-28 10-21 10-23 10-13
,ihokà 8-67 9-10 9-35
d‚iksZjsV lhth 9-73 9-77
Ã&I 10-01 12-25 11-79 10-74 11-74 10-74 15-10 10-85
lh&I 10-48 9-98 9-29 10-29 10-50 9-26 10-24 9-13
th& I 9-59 11-08 8-40 8-66 8-73 8-42 9-78 7-06
,&I 8-17 8-13 7-03 6-05 7-68 6-81 8-43 7-17
Ã&II 9-71 8-86 10-11 10-01 9-70 9-60 12-19 10-44
lh&II 10-10 8-77 9-37 9-19 10-32 8-99 9-09 7-47
th&II 9-65 11-45 9-27 8-45 8-85 8-56 10-22 5-08
71PHakkrxt- IIIVI
lzksr% ,uih,l U;kl okƔkd fjiksVZ A fofHkUu ;kstukvksa ds fy, vkjaHk gksus dh frfFk fHkUu gSA
1 o’kZ ls vfèkd dh vofèk ds fy, fjVuZ okÆ’kdh—r gSA
vkjafHkd frfFk;k¡ % ,yvkÃlh] ,lchvkà ,oe ;wVhvkà 1 vçSy 2018 lhth ;kstukvksa ds fy,
vkjafHkd frfFk;k¡ % ,yvkÃlh] ,lchvkà ,oe ;wVhvkà 25 twu] 2009 ds fy, ,lth ;kstuk
vkjafHkd frfFk;k¡ % fcjyk 09eà 2017] ,pMh,Qlh 01 vxLr 2013] vkÃlhvkÃlhvkà 18] eà 2009] dksVsd 5 eà 2009] ,yvkÃlh 03 tqykà 2013]
fjyk;al 21 eà 2009] ,lchvkà 15 eà 2009 vkSj ;wVhvkà 21] eà 2009 ¼Ã&I ds fy,½
vkjafHkd frfFk;k¡ % ,yvkÃlh 04] vDVwcj 2010( dksVsd 30]tuojh 2012( ,lchvkà 16 flracj 2010( ;wVhvkà 04] vDVwcj] 2010 ¼,uih,l&ykbV½
;wVhvkà ;kstuk dksiksZjsV lhth foÙk o’kZ 2013&14 esa lekIr gqÃA
vkjafHkd frfFk;k¡ % fcjyk 09 eà 2017] ,pMh,Qlh 01 vxLr 2013] vkÃlhvkÃlhvkà 21 fnlacj 2009] dksVsd 14 fnlacj ]2009] ,yvkÃlh 12 vxLr
2013] fjyk;al 21 fnlacj 2009] ,lchvkà 14 fnlacj] 2009 vkSj ;wVhvkà fnlacj 14] 2009 ¼Ã&II ds fy,½
vkjafHkd frfFk;k¡ % ,yvkÃlh 23 tqykà 2013( ,pMh,Qlh 01 vxLr 2013( fcjyk 09 eà 2017] vkÃlhvkÃlhvkà 18] eà 2009] dksVsd 15 eà 2009]
fjyk;al 21 eÃ] 2009] ,lchvkà 15 eÃ] 2009 vkSj ;wVhvkà 21 eÃ] 2009 ¼lh&I½
vkjafHkd frfFk;k¡ % ,yvkÃlh 12 vxLr] 2013( ,pMh,Qlh 01 vxLr 2013( fcjyk 09 eà 2017] vkÃlhvkÃlhvkà 21 fnlacj ]2009] dksVsd 14 fnlacj
]2009] fjyk;al 21 fnlacj 2009] ,lchvkà 14 fnlacj] 2009 vkSj ;wVhvkà fnlacj 14] 2009] lh&II
vkjafHkd frfFk;k¡ % ,yvkÃlh 23 tqykà 2013( ,pMh,Qlh 01 vxLr 2013( fcjyk 09 eà 2017] vkÃlhvkÃlhvkà 18] eà 2009] dksVsd 15 eÃ
2009] fjyk;al 21 eÃ] 2009] ,lchvkà 15 eÃ] 2009 vkSj ;wVhvkà 21 eÃ] 2009 ¼th&I½
vkjafHkd frfFk;k¡ % ,yvkÃlh 12 vxLr] 2013( ,pMh,Qlh 01 vxLr 2013( fcjyk 09 eà 2017] vkÃlhvkÃlhvkà 30 fnlacj] 2009( dksVsd 14 fnlacj]
2009( fjyk;al 23 fnlacj 2009( ,lchvkà 14 fnlacj] 2009 vkSj ;wVhvkà fnlacj 14] 2009] ¼th&II½(
vkjafHkd frfFk;k¡ % ,yvkÃlh 13 vDVwcj] 2016( ,pMh,Qlh 10vDVwcj] 2016( fcjyk 15] eà 2017 vkÃlhvkÃlhvkà 21 uoacj] 2016( dksVsd 14 vDVwcj]
2016( fjyk;al 2 uoacj] 2016( ,lchvkà 13 vDVwcj] 2016 vkSj ;wVhvkà 14] vDVwcj 2016 ¼;kstuk ,&I½
3-13 fofu;fer vkfLr;ka
esa rFkk ml çk:i esa tks ih,QvkjMh, vfèkfu;e
fofu;eksa ds rgr vko”;d gks ;k çkfèkdj.k }kjk
Þfofu;fer vkfLr;ksaß ls rkRi;Z gS rFkk esa lfEefyr
funsZf”kr gks A
gS ewrZ rFkk vewrZ vkfLr;ka tks O;kid :i ls lhvkj,
ds ifjpkyu gsrq fuÆer gSa ftlesa chLiksd l‚¶Vos;j 3-14 foÙk o"kZ ds nkSjku çkfèkdj.k }kjk çHkkfjr
“kkfey gS] tks mu lHkh rRoksa ds lkFk miyCèk gS ;k ladfyr fd, tkus okys vU; 'kqYd ;k çHkkj
tks fdlh vuqç;ksx dks pykus ds fy, vko”;d
,uih,l ds vfHknkrkvksa ij fHkUu Lrjksa ij mu eè;LFk
gS] dksà r`rh; l‚¶Vos;j rFkk rRo ds tks oLrq ds
bdkÃ;ksa }kjk tks vfHknkrkvksa dks lsok,a çnku djrh gS
:i esa vuqç;ksx ç.kkyh esa fof”k’V :i ls lEcafèkr
}kjk “kqYd rFkk çHkkj vkjksfir fd;s tkrs gSA ,uih,l
gks] lHkh mi;qä lhvkj, ifj;kstuk vkadM+s] leÆir
ç.kkyh esa ços”k gksus ij] eè;LFk ÃdkÃ;ka vfHknkrkvksa
fof”k’V gkMZos;j@MkVk lsaVj ds l‚¶Vosj d‚EiksusaV~l
ds iathdj.k ds fy, mÙkjnk;h gksrh gS vFkkZr~
rFkk fMtkLVj fjdojh lsaVj] usVodZ rFkk vU; lHkh
ihvksiht] tkss vfHknkrkvksa ls izHkkj “kqYd ladfyr
lqfoèkk,a lfEefyr gS]HkkSfrd <k¡ps dks NksM+dj ¼Hkou]
djrs gaSA vVy isa”ku ;kstuk ds fy, iathdj.k “kqYd
,;j daMh”kuj] fctyh vkiwÆr <kapk] QuÊpj½A
ljdkj }kjk ogu fd;s tkrs gSaA vxys Lrj ij]
iathdj.k ds dk;Zdky ds volku ij ;k lhvkj, ds lhvkj,] tks vfHkys[kiky vfHkdj.k gS [kkrk [kksyus
fujlu ds ekeys esa lhvkj, }kjk çcafèkr lwpuk rFkk ds fy, “kqYd ysrk gS rFkk çku t+kjh djus ds fy,
fofu;fer vkfLr;ka çkfèkdj.k ds lkFk iath—r vU; ÃdkÃ;ksa ds fujlu }kjk [kkrk çcafèkr djrk gSA blds
lhvkj, dks LFkkukarfjr dj nh tk,axh] ml le;kofèk i”pkr~] çR;sd laO;ogkj ds fy, ftlesa vfHknkrkvksa
72okf"kZd fjiksVZ | 2018-19
dk va”knku lfEefyr gS] lhvkj, rFkk ihvksih nksuksa ds vfHkj{kd muds rgr vkus okyh vkfLr;ksa ds fy,
}kjk “kqYd çHkkfjr fd;k tkrk gSA isa”ku fufèk;ksa }kjk çHkkj ysrs gSaA vkSj var esa] ,uih,l U;kl [kpks± dh
fuos”k çcaèku “kqYd] vfHknkrkvksa ds fuos”k iksVZQksfy;ks çfriwÆr vfHknkrkvksa ls dh tkrh gS A
çcafèkr djus ds fy, çHkkfjr fd;s tkrs gSaA çfrHkwfr;ksa
rkfydk 3-19% fofHkUuLrjksa ij vfHknkrvksa ds 'kqYd vkSj çHkkj
eè;LFk 'kqYd @ çHkkj futh ljdkjh-* ,uih,l ykbV
@ ,ihokÃ
dsaæh; ihvkj, vkjafHkd “kqYd ,u,lMh,y% #- 40- ,u,lMh,y% #- ,u,lMh,y% #--
vfHkys[kiky 00 40-00 15-00
vfHkdj.k dkoÊ#% #- 39-36 dkoÊ % #-39-36 dkoÊ % #- 15-00
okÆ’kd ihvkj, çcaèku ,u,lMh,y% #- 95- ,u,lMh,y% #- ,u,lMh,y% #-
ykxr çfr [kkrk 00 95-00 25-00
dkoÊ % #- 57-63 dkoÊ % #- 57-63 dkoÊ % #- 14-40
çfr laO;ogkj “kqYd ,u,lMh,y% #- 3-75 ,u,lMh,y% #-
3-75 “kwU;
dkoÊ % #- 3-36 dkoÊ % #- 3-36
mifLFkfr “kq:vkrh vfHknkrk #- 200 ykxw ugÈ gksxk ykxw ugÈ gksxk
vfLrRo iathdj.k vkSj va”knku
viyksM
dksà vuqorÊ laO;ogkj va”knku dk 0-25%] ykxw ugÈ gksxk ykxw ugÈ gksxk
U;wure- #- 20
vfèkdre #- 25000]
xSj&foÙkh; #- 20
–<+rk “kqYd > 6 eghus #- 50 çfr o’kZ ykxw ugÈ gksxk ykxw ugÈ gksxk
vkSj U;wure va”knku #-
1000 çfro’kZ
Ã,uih,l ds ekè;e ls 0-10% dk va”knku** ykxw ugÈ gksxk ykxw ugÈ gksxk
va”knku U;wure #- 10
vfèkdre #-10000
U;klh cSad “kwU;
vfHkj{kd vkfLr lsok “kqYd bysDVª‚fud Hkkx vkSj HkkSfrd Hkkx ds fy, 0-0032% çfr o’kZ
isa”ku fufèk;ka fuos”k çcaèku “kqYd 0-01% çfro’kZ 0-0102% çfro’kZ 0-0102% çfro’kZ
,uih,l U;kl O;;ksa dh çfriwÆr “kwU;
ljdkjh deZpkfj;ksa ds ekeys esa] lhvkj, “kqYd dk Hkqxrku lEcafèkr ljdkjksa }kjk fd;k tk,xkA
*
dkoÊ daI;wVj”ks;j çkbosV fyfeVsM us 15 Qjojh 2017 ls ifjpkyu vkjEHk fd;kA
#
73PHakkrxt- IV
III
foÙk o’kZ 2018&19 ds nkSjku ih,QvkjMh, }kjk fofHkUu eè;LFkksa ls çkIr “kqYd fuEu rkfydk esa çnku fd;s x,
gSa%
rkfydk 3-20% foÙk o"kZ 2018&19 ds nkSjku çkIr fd;s x, 'kqYd
Ø- eè;LFk bdkà 'kqYd çkIr
la- ¼#i;s yk[k esa½
1 U;klh cSad& ,fDll cSad 2402-75
2 isa”ku fufèk 1198-91
3 lhvkj,&,u,lMh,y& Ã xous±l bUÝkLVªdpj fyfeVsM 717-40
4 vfHkj{kd& ,l,plhvkÃ,y 107-15
5 lsokfuo`fÙk lykgdkj @ihvksih@ladyudrkZ@,,lih@Ã,eMh@vkj,Qih 17-25
çlaLdj.k “kqYd
6 lhvkj,& dkoÊ daI;wVj”ks;j çkbosV fyfeVsM 1-31
dqy 4444-77
fofHkUu eè;LFkksa ls çkIr “kqYd dks mxkgh vkèkkj ij ekuk tk,xk
3-15 fu"ikfnr fujh{k.k] vk;ksftr tkap vkSj foÙk o’kZ 2018&19 ds nkSjku] foÙk o’kZ 2017&18 ds
fu"ikfnr vUos’k.k ftuesa isa’ku fufèk;ksa ls fy;s 08 isa”ku fufèk;ksa dh leh+{kk vk;ksftr dh xÃ
lEcafèkr eè;LFkksa vkSj vU; bdkÃ;ksa ;k laxBuksa uker%
dh ys[kkijh{kk lfEefyr gS ds fy, ekaxh xà • ,lchvkà isa”ku QaM çkbosV fyfeVsM
tkudkjhA • ,ykÃlh isa”ku QaM fyfeVsM
3-15-1 tkap vkSj fujh{k.k • ;wVhvkà fjVk;jesaV lksY;w”kal fyfeVsM
• ,pMh,Qlh isa”ku esustesaV daiuh fyfeVsM
ih,QvkjMh, vkSj ,uih,l U;kl lhvkj,] U;klh
• dksVsd eÇgæk isa”ku QaM
cSad vkSj muds ys[kkijh{kdksa }kjk tek dh xÃ
• vkÃlhvkÃlhvkà çwMsaf”k;y isa”ku QaMl esustesaV
fjiksVZ dh leh{kk djrk gS] ftlls ;g lqfuf”pr fd;k
daiuh fyfeVsM
tk lds fd bdkà lsok Lrj vuqcaèkksa esa ;FkkfuèkkZfjr
• fjyk;al dSfiVy isa”ku QaM fyfeVsM
fu;rdkfyd le; dk vuqikyu dj jgh gSaA
• fcjyk lu ykbQ isa”ku esustesaV fyfeVsM
3-15-2 fujh{k.k vkSj ys[kkijh{kk
fujh{k.k dks çkfèkdj.k }kjk tkjh fofu;eksa] fn”kkfunsZ”kksa]
ih,QvkjMh,] dsaæh; vfHkys[kiky vfHkdj.k vkSj U;klh
funsZ”kksa ls lEcafèkr vuqikyu ds fujh{k.k rFkk tkap ds
cSad fofu;eksa esa vfHknkrkvksa ds fgrksa dh j{kk ds fy,
iwoZ fuèkkZfjr nk;js ds vuqlkj vk;ksftr fd;k x;k FkkA
lhvkj, vkSj U;klh cSad dh ys[kkijh{kk vkSj fujh{k.k
dk çkoèkku gSA foÙk o’kZ 2018&19 ds nkSjku] çkfèkdj.k lEcafèkr isa”ku fufèk;ksa }kjk çcafèkr ;kstukvksa dh
}kjk vkarfjd ys[kkijh{kd dh fu;qfä ds fy, tkjh ys[kkijh{kk Hkh dh xà FkhA isa”ku fufèk;ka Hkh oSèkkfud
dh xà fn”kkfunsZ”k fVIi.kh ds vuqlkj isa”kufufèk;ksa ys[kkijh{kk ds vèkhu gSaA
}kjk fu;qä fd, x, vkarfjd ys[kkijh{kdksa }kjk isa”ku
ih,QvkjMh,] isa”ku fufèk fofu;ked vkSj fodkl
fufèk;ksa dh vkarfjd ys[kkijh{kk dh xÃA
çkfèkdj.k ¼mifLFkfr vfLrRo½] fofu;e] 2018 vkSj
mlds rgr tkjh ifjpkfyr fn”kkfunsZ”kksa ds vuqikyu
74okf"kZd fjiksVZ | 2018-19
ds lEcUèk esa] ,uih,l] ,uih,l&ykbV vkSj ,ihokà ¼x½ ,uih,l] ,uih,l&ykbV] ,ihokà vkSj vkj,t+
ds rgr xSj&ljdkjh {ks= tSls mifLFkfr vfLrRo dk ds rgr ihvksiht+ ds fy, ih,QvkjMh, vfèkfu;e ds
Hkh i;Zos{k.k djrk gSA fofu;e 14 2¼u½ ijke”kZ@funsZ”kksa@lwpukvksa dks tkjh
djukA
fuxjkuh] fo”ys’k.k ds ekè;e ls fu;fer i;Zos{k.k vkSj
xgu i;Zos{k.k v‚QlkbV vkSj v‚ulkbV nksuksa }kjk bdkÃ;ksa }kjk fØ;kdykiksa ds ljy vuqikyu vkSj
fd;k tkrk gSA ,uih,l] ,uih,l ykbV vkSj ,ihokà fØ;kUo;u ds fy, foHkkx us ijke”kZ@funsZ”k@lwpuk,a
ds rgr fØ;kdykiksa ds fy, mifLFkfr vfLrRoksa dks ihvksiht+ ds fy, tkjh dhA
iath—r fd;k x;k gS vkSj lsokfuo`fÙk lykgdkjksa dks
¼?k½ çkFkfed fjiksVZ tek djuk %
,uih,l ds rgr fØ;kdykiksa ds fy, iath—r fd;k
x;k gSA i;Zos{k.k foHkkx ,sls fdlh ekeys esa vfèkfu;e dh èkkjk
28 ds ,d ;k vfèkd Hkkx ds rgr “kkfey çR;{k :i
¼d½ v‚QlkbV fujh{k.k%
ls fdlh —rk—r dk [kqyklk djrk gS rks ,slh fLFkfr
ih,QvkjMh, eè;LFk bdkÃ;ksa }kjk ih,QvkjMh, vkSj esa ,d vkSipkfjd çkFkfed fjiksVZ tek djsxkA
,uih,l U;kl dks tek dh xà fjiksVZ dh tkap vkSj
,uih,l ds rgr lHkh vU; eè;LFk bdkÃ;ksa ds fy,]
leh{kk djrk gS] tks çkfèkdj.k }kjk tkjh fd, x,
v‚QlkbV vkSj v‚ulkbV ra= ds fy, leku ra=
fofu;eksa vkSj fn”kkfunsZ”kksa ds vuqikyu ls lEcafèkr
miyCèk gSA
gSA fMQ+‚YV eè;LFk bdkÃ;ksa dks mfpr dkjZokà djus
vkSj fuÆn’V fu;rdkfyd le; dk ikyu djus vkSj blds vykok] fuEufyf[kr ekeyksa ds lEcUèk esa vU;
{kfriwÆr dk Hkqxrku djus dh lykg nh tkrh gSA fjiksVZ tek djuk %
tcfd ckj&ckj xyfr;ka djus okyksa dks fuÆn’V çfØ;k
i½ bl vfèkfu;e ;k mlds rgr fuÆer fdlh fu;e
ds vuqlkj lwpuk,a tkjh dh xà gSa rkfd vfHknkrkvksa
;k fofu;e ds mYya?ku dk dksà Hkh ekeyk %
ds fgrksa dh j{kk dh tk lds] fofHkUu lqèkkjkRed
ih,QvkjMh, vfèkfu;e] 2013 dh èkkjk 30 vkSj
mik; bdkÃ;ksa dks lq>k, tkrs gSa rkfd lEcafèkr
ih,QvkjMh, ¼U;k;fu.kkZ;d vfèkdkjh dh tkap
ifjpkyu fn”kkfunsZ”kksa vkSj fofu;eksa dk vuqikyu
ds fy, çfØ;k½ fofu;e] 2015 ds rgr ukfer
fd;k tk ldsA v‚QlkbV fujh{k.k vkSj i;Zos{k.k esa
lnL; }kjk tqekZuk yxkus ds fy, tkjh vafre
fuEufyf[kr “kkfey gS %
vkns”k ds vuqlkj] vyafdr vlkÃuesaV~l fyfe-
¼[k½ v‚ulkbV fuxjkuh % VsM ¼ladyudrkZ ds :i esa½ dks ih,QvkjMh,
vfèkfu;e] 2013 dh mièkkjk 28¼4½ dk mYya?ku
ih,QvkjMh,] mifLFkfr vfLrRoksa ¼ihvksiht+½ ds fy,
djrs gq, ik;k x;k gSA
dqN ekunaMksa ds vkèkkj ij v‚ulkbV fujh{k.k Hkh
ii½ çkfèkdj.k ds fu.kZ;ksa dk ftl lhek rd ikyu
vk;ksftr djrk gS tSls ukekafdr fd, x, ,uih,l
fd;k x;k % iw.kZ :i ls ikyu fd;k x;kA
vfHknkrkvksa dh la[;k] yafcr vfHknkrk vuqjksèk vkSj
f”kdk;rsaA o’kZ 2018&19 ds nkSjku ,uih,l] ,uih,l 3-16 vU;
ykbV vkSj ,ihokà ds rgr fd, x, fØ;kdykiksa
3-16-1 vfHknkrk ¼Js.khokj½ tks jk"Vªh; isa’ku
ds fy, 16 v‚ulkbV fujh{k.k vk;ksftr fd, x;sA
ç.kkyh vkSj vfèkfu;e ds vèkhu vU; isa’ku
fujh{k.k fjiksVZ ds vuqikyu ds i”pkr~ lekiu ds fy,
;kstuk ds rgr 'kkfey fd;s x, gSaA
eè;LFk bdkÃ;ksa dk vuqlj.k fd;k tkrk gSA
d½ fiNys o"kksZa esa ,uih,l ds rgr
vfHknkrkvksa dh la[;k
75PHakkrxt- IIIVI
,uih,l ds rgr o’kks± ls vfHknkrkvksa dh ukekadu vfHknkrkvksa dh la[;k esa 29 çfr”kr ls o`f) gqà gSA
la[;k ekpZ 2018 ds 211-78 yk[k ls c<+dj ekpZ] ,uih,l vfHknkrkvksa dh o’kkZuqlkj la[;k pkVZ 3-1 esa
2019 esa 273-55 yk[k gks xÃA 2018&19 ds nkSjku çnku dh xà gSA
rkfydk 3-21% ,uih,l@,ihokà ds rgr {ks=kuqlkj vfHknkrkvksa dh la[;k
{ks= ekpZ&18 ekpZ&19 o"kkZuqlkj
¼la[;k yk[k esa½ ¼la[;k yk[k esa½ lEiw.kZ o`f) %
¼ la[;k yk[k esa½
dsaæ ljdkj 19-22 19-85 0-63 3-28
dqy dk % 9-08 7-25
jkT; ljdkj 38-68 43-21 4-53 11-71
dqy dk % 18-26 15-8
d‚iksZjsV 6-96 8-03 1-07 15-37
dqy dk % 3-29 2-94
;wvks,l ¼loZ ukxfjd½ 6-91 9-30 2-39 34-59
dqy dk % 3-26 3-40
,uih,l ykbV@ 43-95 43-63 &0-32 &
Lokoyacu*
dqy dk % 20-75 15-95
,ihokà 96-06 149-54 53-48 55-67
dqy dk % 45-36 59-66
dqy 211-78 273-55 57-39 29-17
¼,ihokà ds “kqHkkjEHk ds i”pkr~ 01 vçSy] 2015] ds ckn ls dksà u, iathdj.k Loh—r ugÈ gq,½
*
pkVZ 3-1% ,uih,l vkSj ,ihokà ds rgr o"kZokj vfHknkrkvksa dh la[;k
76okf"kZd fjiksVZ | 2018-19
[k½ vfHknkrkvksa dh la[;k & {ks=kuqlkj vlaxfBr {ks=
ljdkjh {ks=
rkfydk la[;k 3-24% fnukad 31-03-2019 rd ds
rkfydk% 3-22 fnukad 31-03-2019 rd ds vuqlkj
vuqlkj ,ihokà vkSj ,uih,l ykbV ds
ljdkjh {ks= ds vfHknkrkvksa] va’knku vkSj ,;w,e
vfHknkrkvksa] va’knku vkSj ,;w,e dh la[;k
dh la[;k
{ks= vfHknkrkvksa va’knku ,;w,e
fooj.k vfHknk- va’knku ,;w,e
dh la[;k ¼#-djksM+ esa½ ¼#- djksM+
rk¼la[;k½ ¼#- djksM+ ¼#- djksM+
¼yk[k esa½ esa½
esa ½ esa½
dsaæ ljdkj 19-85 78]379-20 1]09]009-55
,uih,l ykbV@ 43-63 2555-18 3409-23
jkT; ljdkj 43-21 1]24]190-66 1]58]491-37
Lokoyacu
dqy 63-06 2]02]569-86 2]67]500-92
vVy isa”ku ;kstuk 149-53 6335-09 6860-30
dqy 193-16 8890-27 10269-53
• ekpZ] 2019 ds var esa ljdkjh vfHknkrk 57-90
yk[k lsc<+dj ekpZ] 2019 ds var esa 63-06 yk[k
• ,uih,l ykbV vkSj ,ihokà ds rgr feydj
gks x,] vkSj 5-16 yk[k ¼8-91 ½ dh o`f) ntZ dhA
% vfHknkrkvksa dh la[;k ekpZ 2018 ds 140-01 yk[k
ls c<+dj ekpZ] 2019 esa 193-1 6 yk[k gks xÃ] tks
futh {ks=
53-13 yk[k vfHknkrkvksa ¼37-96 ½ ls c<+hA
%
• fnukad 1 vçSy 2017 ls Lokoyacu ;kstuk esa u,
rkfydk 3-23%fnukad 31-03-2019 rd ds vuqlkj
ços”k lekIr gq, vkSj ,ihokà dh 9 eÃ] 2015 ls
futh {ks= ds vfHknkrkvksa] va’knku vkSj ,;w,e
“kq#vkr dh xà vkSj bls 1 tqykà 2015 ls “kq:
dh la[;k
fd;k x;kA ,ihokà Hkkjr ds xjhcksa vkSj oafpr
oxks± ij dsfUær gS( ;g 60 o’kZ dh vk;q ds ckn
fooj.k vfHknkrk va’knku ,;w,e ¼#-
¼la[;k yk[k ¼#- djksM+ djksM+ esa½ ifjHkkf’kr isa”ku çnku djsxhA
esa½ esa½ • ,ihokà ds rgr] vfHknkrk 60 o’kZ dh vk;q ij
d‚iksZjsV {ks= 8-03 24436-77 30]874-79 U;wure #-1000] #-2000] #-3000] #- 4000]
;wvks,l@ 9-30 9685-54 9568-50* #- 5000 çfrekg dh ekfld isa”ku çkIr djsxk]
loZ ukxfjd
tks muds va”knkuksa ij fuHkZj djsxh] tks ,ihokÃ
dqy 17-33 34122-31 40443-29
esa “kkfey gksus dh vfHknkrk dh vk;q ij fuHkZj
djsxhA ,ihokà esa “kkfey gksus dh U;wure vk;q 18
• futh {ks= ds rgr] d‚iksZjsV vfHknkrkvksa dh la[;k
o’kZ vkSj vfèkdre vk;q 40 o’kZ gSA blfy,] ,ihokÃ
6-96 yk[k ls c<+dj 8-03 yk[k gks xÃ] tks fd
ds rgr vfHknkrk }kjk va”knku dh U;wure vofèk
1-07 yk[k ¼15-37 ½ vfHknkrkvksa dh o`f) FkhA
%
20 o’kZ ;k mlls vfèkd gksxhA
;wvks,l@loZukxfjd {ks= ds rgr vfHknkrkvksa dh
• dsUæh; vfHkys[kiky vfHkdj.kksa ¼lhvkj,½ ds
la[;k ekpZ] 2018 var ds 6-91 yk[k ls c<+dj
lkFk iath—r lhch,l eap okyh cSad “kk[kkvksa@
ekpZ] 2019 ds var esa 9-30 yk[k gks xÃ] tks 2-39
Mkd?kjksa ds ekè;e ls ;kstuk,a ifjpkfyr dh
yk[k ¼34-59 ½ vfHknkrkvksa dh o`f) FkhA
%
tkrh gSaA
foÙk o’kZ 2018&19 ds nkSjku] 149-53 yk[k vfHknkrk
,ihokà ds rgr iath—r gq, gSa] blds vykok 11-49
* eq[; :i ls izk.k dks ,d lsDVj ls nqljs lsDVj f”k¶V djus ds yk[k vfHknkrk ,ihokà ds rgr ljdkjh lg&va”knku
fy, ftEesnkj Bgjk;kA
ds fy, ;ksX; gSaA
77PHakkrxt- IIIVI
d- 21 vfHknkrkvksa us #-5000 dh isa”ku jkf”k dk 3-16-2 mifLFkfr vfLrRo
%
fodYi pquk gSA
ihvksih fofu;e] 2018 ds rgr ih,QvkjMh, us 268
[k- 61 mEehnokj 26 o’kZ ls vfèkd ds vk;q lewg
%
ihvksiht+ dks iathdj.k çek.ki= tkjh fd;k gSA
esa gSaA
3-16-3 ;kstukokj çcaèku ds vèkhu ifjlaifÙk
x- L=h vkSj iq#’k vfHknkrkvksa dk vuqikr 42 % 58
gSA
;kstukokj çcaèku ds vèkhu ifjlaifÙk dk fooj.k fuEu
rkfydk 3-25% Çyx] isa’ku jkf’k vkSj vk;q ds rkfydk esa fn;k x;k gS %
vkèkkj ij iath—r ,ihokà vfHknkrkvksa dk
foLr`r fo’ys"k.kA rkfydk 3-26% ;kstukuqlkj çcaèku ds vèkhu
ifjlaifÙk
Çyx vuqlkj
¼#- djksM+ esa½
Ø- la- Çyx çku x.kuk çfr’kr
;kstuk ekpZ&18 ekpZ&19 % o`f)
1 L=hÇyx 6]470]224 41-96
lhth 84955 1]09]011
2 iqÇYyx 8]944]417 58-01
,lth 115989 1]58]881
3 VªkaltsaMj 3]644 0-02
midqy 200944 2]67]892 33%
dqy 15]418]285 100-00
d‚iksZjsV lhth 14846 20683
Ã&A 4308 7234
isa’ku jkf’k vuqlkj lh&A 2847 4422
Øe- isa’ku jkf’k çku x.kuk çfr’kr th&A 4243 6897
la[;k ¼#- çfr ,&A 7 20
ekg½ Ã&AA 217 325
1 1]000 10]465]175 67-88 lh&AA 162 209
th&AA 181 263
2 2]000 979]412 6-35
,uih,l ykbV 3006 3409
3 3]000 500]754 3-25
,ihokà 3818 6860
4 4]000 206]278 1-34
midqy 33636 50322 50%
5 5]000 3]266]666 21-19
dqy ;ksx 234579 3]18]214 36%
dqy 15]418]285 100-00
lzksr ,uih,l&U;kl
ekpZ 2018 ds fy, fVIi.kh
nkeksnj ?kkVh la?k 309-94 djksM+ ,lth ds rgr
vk;q vuqlkj
n”kkZ;k x;k gSA
Øe- vk;q oxZ çku x.kuk çfr’kr
mijksä rkfydk ;g lwfpr djrh gS fd ljdkjh {ks=
la[;k
,uih,l ;kstukvksa ¼lhth vkSj ,lth½ dh çcaèku ds
1 18 ls 20 o’kZ 1]977]639 12-83
vèkhu ifjlaifÙk 33 ls c<+h gSaA bu ;kstukvksa ls
%
2 21 ls 25 o’kZ 3]968]264 25-74
fHkUu ;kstukvksa dh çcaèku ds vèkhu ifjlaifÙk 50 ls
%
3 26 ls 30 o’kZ 4]028]629 26-13
c<+hA lEiw.kZ:i ls ljdkjh {ks= ;kstuk,a #- 66]948
4 31 ls 35 o’kZ 3]394]552 22-02
djksM+ ls c<+h tcfd vU; ;kstuk,a #- 16]687 djksM+
5 35 o’kks± ls Åij 2]049]201 13-29
ls c<+hA
dqy 15]418]285 100-00
78okf"kZd fjiksVZ | 2018-19
3-16-4 dsaæh; vfHkys[kiky vfHkdj.k] bldh fofu;eu 3 ds mi fofu;eu 4 ds rgr] lhvkj,
Hkwfedk vkSj dk;Z fofu;e] ekStwnk dsaæh; fjd‚MZdhÇix ,tsalh vkSj vU;
dsaæh; fjd‚MZdhÇix ,tsalh ;k ,tsafl;ksa] ;fn fu;qä
d½ ifjp;
fd;k tkrk gS] ds chp xzkgdksa dk vkoaVu] ,d ikjn”kÊ
,u,lMh,y à &xous±l bUÝkLVªDpj fyfeVsM] dks
ekinaM vkSj çfØ;k ij vkèkkfjr gksxk tSlk fd çkfèkd-
ih,QvkjMh, dsUæh; vfHkys[kiky vfHkdj.k ds :i
j.k }kjk le;≤ ij vfHknkrkvksa fgr esa vfèklwfpr
esa fu;qä fd;k x;k Fkk vkSj 26 uoacj] 2007 dks ,d
fd;k tkrk gSA rnuqlkj] vfHknkrkvksa ds vkoaVu ds
vuqcaèk dks fu’ikfnr fn;k x;k FkkA
fy, ekinaM fuEukuqlkj gS%&
ih,QvkjMh, ¼dsaæh; vfHkys[kiky vfHkdj.k½ fofu;e-
,sls ekeys esa tgka d‚iksZjsV lfgr] deZpkjh&fu;ksäk
2015 dh vfèklwpuk fnukad 27 vçSy] 2015 ds ckn
lacaèk gSa] ;fn fu;ksäk }kjk lhvkj, ds çHkkj ogu
ls] ,u,lMh,y Ã&xous±l bUÝkLVªDpj fyfeVsM dks
fd, tk jgs gSa] rks lhvkj, dk p;u djus dk fu.kZ;
18] fnlEcj] 2015 ls dsaæh; vfHkys[kiky vfHkdj.k ds
fu;ksäk ds ikl gksxk] tc rd fd os fo”ks’k :i ls
:i esa] tks fd ewy vuqcaèk fnukad 26 uoEcj] 2007
fdlh O;fäxr deZpkfj;ksa dks fodYi ugÈ lkSairs
ls 10 o’kZ dh vofèk ds fy,] tks 1 fnlEcj] 2007 ls
vkSj vU; lHkh ekeyksa esa] lhvkj, ds p;u dk fodYi
çHkkoh Fkk] dh “ks’k vofèk ds fy, dk;Z djus ds fy,
,uih,lds rgr deZpkjh@vfHknkrk ds ikl jgsxkA
çek.ki= tkjh fd;kA
LoSfPNd vfHknkrkvksa ¼fdlh Hkh deZpkjh&fu;ksäk lacaèk
lhvkj, lHkh eè;LFk bdkÃ;ksa ds fy, ,d lapkyu
ds vfLrRo ds fcuk½ ds ekeys esa] lhvkj, pquus dk
baVjQ+sl ds :i esa dk;Z djrk gSA bldh Hkwfedk esa
fodYi lkekU; :i ls vfHknkrk ds ikl gksrk gSA
lHkh ckgjh vfHkdj.kksa ds lkFk laidZ LFkkfir djuk
vVy isa”ku ;kstuk ds rgr iath—r vfHknkrkvksa ds
“kkfey gS vkSj ,uih,l ds lHkh vfHknkrkvksa ds fy,
ekeys esa] lacafèkr ljdkj lsokvksa dks çnku djus ds
vfHkys[kikyu] ç”kklu vkSj xzkgd lsok dk;Z “kkfey
fy, lhvkj,dks pqusxhA ,uih,l&ykbV vfHknkrkvksa
gSA
ds ekeys esa ladyudrkZ ds ikl lhvkj, pquus dk
fodYi gksxkA
foÙkh; o’kZ 2016&17 ds nkSjku] çkfèkdj.k us nwljs
lhvkj, ds :i esa esllZ dkoÊ daI;wVj”ks;j çkbosV
[k- lhvkj, dh Hkwfedk vkSj nkf;Ro
fyfeVsM dks iath—r fd;k Fkk vkSj mUgsa ,uih,l
lhvkj, dh çeq[k Hkwfedk vkSj nkf;Ro fuEukuqlkj gS %
U;kl ds Ã&,uih,l e‚Mîwy ds ekè;e ls [kkrksa dh
lÆoÇlx ds fy, fnukad 15 Qjojh] 2017 ls viuk
i- uà fØ;kRedrkvksa dh fujarj c<+r vkSj
ifjpkyu “kq: djus dh vuqefr nh Fkh] ftlesa xzkgd
fodkl
dks ,u,lMh,y Ã&xous±l fyfeVsM ¼çFke lhvkj,½
vkSj ,e@,l dkoÊ daI;wVj”ks;j çkbosV fyfeVsM ;g ih,QvkjMh, dk mÙkjnkf;Ro
¼f}rh; lhvkj,½ ds chp esa ls pquus dk fodYi çkIr gS fd og ns”kHkj esa lqfoèkk dsaæksa dk
gksrk gS] vkSj mlds ckn vU; forj.k pSuyksa esa pquus fuekZ.k djs vkSj LFkkfir djsA mUgsa
dk fodYi gksxkA eSllZ dkoÊ daI;wVj”ks;j dks 31
fofHkUu uà fØ;kRedrkvksa@mi;ksxksa dks
ekpZ] 2017 rd u, [kkrksa dks lsok,a çnku djus dh
fodflr djuk vkSj eksM;wYl dh fujarj
vuqefr nh xà Fkh vkSj mlds ckn 01 vçSy] 2017 ls
c<+r ,oa fodkl djuk gksxk ftlls
,uih,l ds ekStwnk vfHknkrkvksa ds fy, LFkkukarfjr
fofHkUu fgrèkkjdksa dh vko”;drkvksa dk
djus ds fy, fodYi çnku djus okyh baVj
irk py ldsA
v‚ijsfcfyVh dk;Z{kerk ds lkFk iw.kZ lhvkj, ds :i esa
dk;Z djus dh vuqefr nh xà FkhA
79PHakkrxt- IIIVI
ii- lHkh {ks=ksa ds vfHknkrkvksa ds fy;s lsok,a fufèk va”knku lwpuk fjiksVZ ls feykuk rFkk fufèk
lhvkj, dk çeq[k dk;Z lHkh ,uih,l ;kstuk ij =qfV@fofHkUurk fjiksVZ t+kjh djuk]
vfHknkrkvksa dk vfHkys[kikyu] ç”kklu] U;klh cSad dks funsZ”k nsuk fd vfHknkrk [kkrs esa
xzkgd lsok dk;ks± dh lqfoèkk çnku çR;kgj.k fufèk çsf’kr djs rFkk okÆ’kdh ;kstuk
djuk gS] lHkh vfHknkrkvksa dks fof”k’V ds fy, fy, okÆ’kdh lsok çnkrkvksa dks “ks’k jkf”k
LFkk;h lsofuo`fÙk [kkrk la[;k ¼çku½ vkSj çsf’kr djsA
vkÃfiu@Vhfiu tkjh djuk gSA blds
lkFk gh vfHknkrkvksa dks fofHkUu lqfoèkk,¡ x½ okÆ"kdh lsok çnkrk%
miyCèk djkuk tSls iathdj.k ds le; vfHknkrkvksa ls HkkSfrd vkosnu i= çkIr djsa
,l,e,l vyVZ vkSj Ãesy Hkstuk] jkf”k rFkk mUgsa ,,liht+ dks rFkk okÆ’kdh LFkkukurj.k
dk ØsfMV @MsfcV] fudklh] çku esa jkf”k] fooj.k dks ,,lihtdks Hkstsa rFkk vfHknkrkvksa dh
vfHknkrk tkx:drk dk;ZØe vk;ksftr okÆ’kdh ds fufèk LFkkukUrj.k fooj.k dks ,,liht+
dks HkstsaA bysDVª‚fud MkVk LFkkukurj.k dks
djuk] ,uih,l fgrèkkjdksa dks osc vkèkfjr
,,liht dks LFkkukarfjr djsa tks fd okÆ’kdh
igqap çnku djukA lhvkj, vfHknkrkvksa
fooj.k ls lEcafèkr gks rFkk okÆ’kdh ;kstuk ij
vkSj uksMy dk;kZy;ksa dks dsaæh; f”kdk;r
funs”k HkstukA
çcaèku ç.kkyh vkSj d‚y lsUVj dh lqfoèkk
Hkh çnku djrk gSA bu lqfoèkkvksa ds
½ vU;%
vykok lHkh vfHknkrk çcaèku lsok,¡ tSls iv
ih,QvkjMh,dks vkofèkd rFkk ,Mgksd,evkÃ,l
;kstuk ifjorZu] tulka[;dh; fooj.k
¼f”kdk;r fuokj.k lfEefyr½] jkT; ljdkjksa]
ifjorZu] f”kdk;r çcaèku vkfn lhvkj,
dsaæ ljdkj] foÙk ea=ky; dks çnku djuk]
}kjk çcafèkr fd;s tkrs gSaA
vkofèkd vksfj,aVs”ku dk;ZØe uksMy dk;kZy;ksa
ds fy, vk;ksftr djuk rFkk vuar ,oa =qfVeqä
- eè;LFk bdkÃ;ksa dks lsok,a
iii
ç.kkyh dk;Z ftlesa lhvkj,ç.kkyh] ih,Q,El]
d½ isa’ku fufèk çcaèkd %
Vhch rFkk vU; ,uih,l ÃdkÃ;ka “kkfey gksa] dks
;g lhvkj, dh çkFkfed ftEesnkjh gS fd og çnku djukA
ih,Q,El dks le; ls fufèk;ksa dh fLFkfr lwfpr
djs] lesfdr fuos”k ojh;rk ;kstuk lwpuk dk
d½ okÆ"kd 'kqYd
fuekZ.k djs rFkk Hksts] ih,Q,El dks U;klh cSad
dsaæh; vfHkys[kiky vfHkdj.k] ih,QvkjMh,
}kjk çkIr fufèk LFkkukUrj.k fjiksVZ ds iqf’Vdj.k
¼dsaæh; vfHkys[kiky vfHkdj.k½ fofu;e 2015
ds vkèkkj ij usV Q.M LFkkukurj.k fjiksVZ Hksts ds fofu;e 22 esa ;FkkfofuÆn’V lsok “kqYdksa dk
rFkk ;kstuk çn”kZu fjiksVZ dk ,u,oh }kjk ç;ksx 0-05 xq.kk dh nj ls okÆ’kd “kqYd nsxkA
djrs gq, x.kuk djuk tks ih,Q,e }kjk lhvkj,
dks Hksth xÃA [k½ lhvkj, çHkkj 'kqYd
,uih,l fu;fer vkSj ,uih,l ykbV@,ihokÃ
vfHknkrkvksa ds fy, “kqYd lajpuk lHkh lw=ksa ls
[k½ U;klh cSad %
U;klh [kkrksa ls çkIr isa”ku fufèk fjiksVks± dks isa”ku çkIr tkudkjh ds rgr fuEukuqlkj gS %
80okf"kZd fjiksVZ | 2018-19
rkfydk la[;k 3-27% ,uih,l fu;fer vktSj ,uih,l ykbV@,ihokÃ
,e@,l ,u,lMh,y ,e@,l dkoÊ daI;wVj’ks;j
Ã&xous±l bUÝkLVªDpj fyfeVsM çkbosV fyfeVsM
¼çFke lhvkj,½ ¼f}rh; lhvkj,½
Ø-la- lsok çHkkj çeq[k
,uih,l ,uih,l ,uih,l ,uih,l
fu;fer ¼#-½ ykbV@ fu;fer ¼#-½ ykbV@
,ihokà ¼#-½ ,ihokà ¼#-½
1 ihvkj, vkjafHkd “kqYd 40-00 15-00 39-36 15-00
2 ihvkj, okÆ’kd çcaèku “kqYd 95-00 25-00 57-63 14-40
3 laO;ogkj “kqYd 3-75 “kwU; 3-36 “kwU;
x½ fofu;e vfHknkrk dks ,uih,l ds rgr miyCèk lqfoèkk,a %
ih,QvkjMh, ¼dsaæh; vfHkys[kiky vfHkdj.k½ fofu;e] • Hkkjr ds loZukxfjd {ks= vfHknkrkvksa ds ikl
2015] fnukad 27 vçSy] 2015 dks vfèklwfpr gq, gSaA vius lhvkj,y‚x&bu esa LFkkukUrj.k vuqjksèk
blds vykok] ih,QvkjMh, ¼dsaæh; vfHkys[kiky djrs gq, Ã,uih,l esa LFkkukarfjr gksus dk
vfHkdj.k½ ¼8 dks vfèklwfpr gq, gSaA isa”ku fufèk fodYi gSA
fofu;ked vkSj fodkl çkfèkdj.k ¼dsaæh; vfHkys[kiky
• vkÃfiu@Vhfiu dks 'kh?kz tkjh djus dh
vfHkdj.k½ fofu;e] 2015 dk y{; dsaæh; vfHkys[kiky
lqfoèkk& lhvkj, ç.kkyh esa ,d u, xq.k dh
vfHkdj.k ds :i esa dk;Z djus dh bPNk j[kus okys
“kq#vkr dh xà gS ftlls vfHknkrkvksa dks çku
fudk; dh ik=rk] “kklu] laxBu vkSj ifjpkyu vkpj.k
tkjh djus ds fnu ij gh rRdky vkÃfiu
ds fy, ekud fuèkkZfjr djuk gSA fofu;e ih,QvkjMh,
¼bUVjusV ilZuy vkbMsaVhfQds”ku uacj½ tkjh
vfèkfu;e dh Hkkouk ds vuq:i fujh{k.k] tkap] fuxjkuh
vkSj çorZu “kfä;ksa dk çHkkoh vkSj foÜoluh; mi;ksx djus dh lqfoèkk nh tk ldsA ;g lqfoèkk mu
vkSj ,d dq”ky vuqikyu dk;ZØe ds dk;kZUo;u dks vfHknkrkvksa ds fy, miyCèk gS ftUgksaus viuk
lqfuf”pr djsaxsA eksckby uacj vkSj Ãesy vkÃMh ç.kkyh esa
iath—r djokà gSA vfHknkrk dks vkÃfiu tkjh
bl fofu;eu ds ekè;e ls dsaæh; vfHkys[kiky
vfHkdj.k ds :i esa iath—r bdkà dks ,d vkarfjd djus ds fy, iath—r eksckby uacj vkSj@;k
ç.kkyh LFkkfir djus dh vko”;drk gksrh gS tks Ãesy vkÃMh ij çkIr gq, vksVhih dk ç;ksx
,uih,l vfHknkrkvksa vkSj mudh ifjlaifÙk;ksa ds fgrksa djrs gq, lhvkj, ç.kkyh esa tkus dh vko”;drk
dh j{kk ds mís”; ls vkarfjd laxBu vkSj ifjpkyu
gksxhA
vkpj.k ds fy, ekudksa dk vuqikyu djrh gSA
• vfHknkrkvksa dh fy, lhvkj, ç.kkyh esa
?k½ uà dk;Z{kerk dk fodkl fuEufyf[kr fØ;kReäk,a 24 7 miyCèk gksaxh%
x
fofHkUu fgrèkkjdksa dh cnyrh vko”;drkvksa dk irk
d- ,dy ekxZ ifjorZu
yxkus ds fy, e‚Mîwyl dh fujarj o`f) vkSj fodkl
[k- fV;j& vkaf”kd çR;kgj.k
II
lhvkj, ds eq[; mís”;ksa esa ls ,d gSA ,uih,l ç.kkyh
x- l”krZ çR;kgj.k
ds fuckZèk dkedkt dks lqfuf”pr djus ds fy, lh-
?k- ;kstuk ojh;rk ifjorZu
vkj, }kjk fofHkUu dk;Z{kerkvksa dk fodkl fd;k x;kA
³- ,Q,Vhlh, Lo&çek.ku
dqN çeq[k fodkl bl çdkj gSa%
81PHakkrxt- IIVII
p- vkèkkj ls tksM+uk vfèk—r ugÈ gS @ jkf”k çkIr ugÈ dh xÃA
N½ vkèkkj ds ekè;e ls irk uohuh—r djuk • ^,uih,l dh ikB’kkyk* fofM;ks dks ;wVîwc
ij miyCèk djk;k x;k gS ftlls vfHknkrkvksa
• isa’ku fufèk çcaèkd ¼ih,Q,e½ vkSj fuos’k
vkSj uksMy dk;kZy;ksa dks ,uih,l ds ykHkksa vkSj
fodYi ifjorZu orZeku esa] fV;j&A [kkrs ds
fØ;kReäkvksa ds fo”k; esa vfèkd tkx:d cuk;k
fy, ;kstuk ojh;rk ifjorZu dk fodYi dsoy
tk ldsA
Hkkjr ds loZukxfjd ¼;wvks,l½ vkSj d‚iksZjsV
• lhth,e,l dks Çgnh esa miyCèk djk;k x;k gSA
vfHknkrkvksa ds fy, miyCèk gSA vc] fnukad
dkoÊ lhvkj, }kjk] Ã,uih,l esa vfHknkrkvksa ds
01-04-2019 ls fV;j&A ds fy, ;kstuk ojh;rk
fy, miyCèk lhth,e,l esa Çgnh ;k vaxzsth esa
ifjorZu dsaæ ljdkj deZpkfj;ksa ds fy, miyCèk
ls Hkk’kk pquus dk fodYi çnku fd;k x;k gSA
djk;k tk,xk ftlesa fuEufyf[kr fodYi
• vfèkdka’k iwNs tkus okys ç’u ¼,Q,D;wt+½
vuqKIr gksaxs %
lEcafèkr ç”u Js.kh ds lkFk mÙkj vfHknkrk vkSj
d½ ekStwnk ;kstuk] ftlesa ih,QvkjMh, }kjk
bdkà ¼,uih,l vfHknkrk dh vksj ls f”kdk;r
fufèk;ka rhu lkoZtfud {ks= miØe isa”ku
mBk jgs gSa½ ds fy, lhth,e,l esa miyCèk gSA
fufèk çcaèkdksa esa vkoafVr dh tkrh gSa] u, vfHknkrk tks lhth,e,l ds ekè;e ls fdlh
vkSj ekStwnk vfHknkrkvksa nksuksa ds fy, Hkh çdkj dk ç”u dj jgk gS ds ikl pquh xÃ
fMQ+‚YV ;kstuk ds :i esa tkjh jgsxhA f”kdk;r dh Js.kh ds vkèkkj ij ,Q,D;wt+ vkSj
[k½ v‚Vks p‚bl e‚MjsV ¼,ylh 50½ mi;qä mÙkjksa dks ns[kus dk çkoèkku gSA
x½ v‚Vks p‚bl datjosVho ¼,ylh 25½ • nLrkost+ ¼fudkl vkosnu@ dsokÃlh nLrkost+½
?k½ fdlh Hkh ih,Q,e dh ,fDVo p‚bl th viyksM djus dh lqfoèkk ¼ihMh,Q çk:i esa½
;kstuk ¼100 th] vFkkZr~ dsoy th&lsd esa vfHknkrkvksa@MhMhvkst+@uksMy dk;kZy;ksa ds
%
fy, vfèkoÆ’krk] le; ls iwoZ vkSj e`R;q fudkl
èku fuosf”kr fd;k tk,xk½
vuqjksèkksa dks djus ds fy, lqfoèkkA
• fnukad 01-04-2019 ls dsaæ ljdkj deZpkfj;ksa ds
fy, ljdkjh lg&va”knku esa 10 ls 14 dh • mPpre U;k;ky; ds vkèkkj lEcUèkh fu.kZ;
% %
ds ckn] ,uih,l vkSj ,ihokà ds rgr vkèkkj
o`f)A
vkèkkfjr iathdj.k vkSj çek.khdj.k can dj
• xSj cSadh; ihvksiht+ ds fy, iSu vkèkkfjr
fn;k x;k gSA
iathdj.k miyCèk djk;k x;k gS ;fn vfHknkrk
igys ls gh xSj&cSadh; ihvksih dk ekStwnk xzkgd • vyVZl% ,uih,l ds rgr lhvkj, fofHkUu
ysunsuksa ds fy, vfHknkrkvksa dks vyVZl Hkst jgk
gSA
gSA vc vyVZ vfHknkrkvksa dks Hksts tk,axs ftlds
lhth,e,l esa çR;kgj.k ds fy, fuEufyf[kr
fy, ,uih,l ds rgr fuos”k ds fy, U;klh cSad
mi&Jsf.k;ksa dks tksM+uk
ls fufèk çkfIr iqf’Vdj.k çkIr fd;k tk,xkA
1- vkaf”kd çR;kgj.k “kq: ugÈ fd;k x;k@vfèk—r
bl lEcUèk esa] vfHknkrk dks ,d ,l,e,l Hkstk
ugÈ gS@jkf”k çkIr ugÈ dh xÃA
tk,xk fd fufèk iqf’Vdj.k çkIr gks pqdk gS vkSj
2- fudkl vkjEHk ugÈ fd;k x;k@vfèk—r ugÈ
mlh fnu ds var rd bldh jkf”k tek dj
gS@jkf”k çkIr ugÈ dh xÃA
nh tk,xhA ;g vfHknkrk dks ,uih,l ds rgr
3- le; ls iwoZ fudklh dks vkjEHk ugÈ fd;k
fuos”k ds fo’k; esa igys ls tkudkjh j[kus esa
x;k @vfèk—r ugÈ gS@jkf”k çkIr ugÈ dh xÃA
lgk;rk djsxkA
4- e`R;q fudklh dh “kq#vkr ugÈ dh xà @
82okf"kZd fjiksVZ | 2018-19
• ih,QvkjMh, ¼fudkl vkSj çR;kgj.k½ fofu;e] lhèks f”kdk;r dh fLFkfr dh tkap dj ldrs
2015] ,uih,l ds rgr lafpr isa”ku èku dk gSaA vc] f”kdk;rksa dh fLFkfr ns[kus ds fy,
vkaf”kd çR;kgj.k] ,uih,l ls fudkl ds iwoZ lpZ rjhdksa esa Vksdu uacj] dSipk dksM vkfn ds
fdlh Hkh le;] fofu;eksa esa fuÆn’V fu;e ,oa lkFk&lkFk eksckby uacj çnku djus ds fy,
“krks±] ç;kstu] vko`fÙk vkSj lhekvksa ds vèkhu ,d vfrfjä psd “kkfey fd;k x;k gSA
vuqKkIr gksxkA vc] ih,QvkjMh, ¼fudkl vkSj • lhvkj, ds lhth,e,l esa iwNrkN ds le;
çR;kgj.k½ fofu;e] 2015 esa rhljs vkSj pkSFks vDlj iwNs tkus okys ç”uksa ¼,Q,D;wt+½ dk ,d
la”kksèku ds vuqlkj] fuEufyf[kr mís”;ksa ds fy, i‚i&vi vfHknkrk dks vko”;d tkudkjh
vkaf”kd fudklh dh Hkh vuqefr nh tk,xhA vklkuh ls miyCèk gks tk, ;g lqfuf”pr djus
;s u, fodYi lhvkj, ç.kkyh ds v‚uykbu ds fy, miyCèk fd;k x;k gS vkSj lhth,e,l esa
fudklh e‚Mîwy esa ykxw fd, x, gSa f”kdk;r u mBsA
1- fodykaxrk@v{kerk ds dkj.k fpfdRlk vkSj • ,uih,l ds rgr] vfHknkrk@uksMy
vkdfLed [kpks± dks iwjk djus ds fy, dk;kZy;ksa ds ikl dsUæh; f”kdk;r çcaèku
2- dkS”ky fodkl@ iqu% dkS”ky ;k vU; dksà ç.kkyh ¼lhth,e,l½ esa f”kdk;rsa mBkus dk
Lo&fodkl xfrfofèk;ksa ds fy, fodYi gSA vc] lhth,e,l esa ,d çkoèkku
3- Lo;a ds m|e ;k fdlh y?kq&m|ksx dh fd;k x;k gS] rkfd ,uih,l U;kl dks f”kdk;r
LFkkiuk ds fy, c<+kus ds le;] vfHknkrk ds ikl f”kdk;r ds
fy, vfrfjä tkudkjh çkIr djus ;k ,uih,l
dsaæh; f’kdk;r çcaèku ç.kkyh ¼lhth,e,l½ esa
U;kl dks vkxs c<+kus dk fodYi gksxkA
fodkl
Ã,uih,l ds rgr uà lqfoèkk,¡
• vc] **çR;kgj.k** Js.kh ds fy, lhth,e,l esa
fuEufyf[kr mi Jsf.k;k¡ tksM+h xà gSaA Ã,uih,l esa] vfHknkrkvksa dk dsokÃlh fooj.k] ukekadu
ds le; iSu vkèkkfjr iathdj.k ds ekè;e ls cSad ihvksih
1- vkaf”kd fudklh dh “kq#vkr ugÈ gqÃ@
vfèk—r ugÈ fd;k x;k@jkf”k ugÈ feyh }kjk lR;kfir fd;k tkrk gSA vc] ih,QvkjMh, ds
2- vkjaHk ugÈ fd;k x;k@vfèk—r ugÈ fd;k fn”kkfunsZ”kksa ds vuqlkj] xSj&cSad ihvksih tks fdlh
x;k@jkf”k ugÈ feyh Hkh foÙkh; fu;ked ds lkFk iath—r gSa dks vius
3- iwoZ&ifjiDo fudklh vkjaHk ugÈ gqÃ@ vfHknkrkvksa dks Ã,uih,l ds rgr iathdj.k djrs
vfèk—r ugÈ fd;k x;k@jkf”k ugÈ feyh le; vius muds dsokÃlh dks lR;kfir djus dh
4- e`R;q vkgj.k çkjaHk ugÈ gqvk@vfèk—r ugÈ
vuqefr nh xà gSA rnuqlkj] xSj&cSad ihvksih ds ekè;e
fd;k x;k@jkf”k ugÈ feyh
ls iSu vkèkkfjr vfHknkrk iathdj.k dks Ã,uih,l ds
• dkoÊ lhvkj, }kjk Ã,uih,l esa vfHknkrkvksa ds rgr l{ke fd;k x;k gSA
fy, miyCèk lhth,e,l esa Çgnh Hkk’kk ifjp; • iSu vkèkkfjr vfHknkrk iathdj.k vkSj
dk p;u djus dk fodYi çnku fd;k x;k gSA fV;j&AA iathdj.k ds fy, Ã,uih,l eap ds rgr
• vfHknkrkvksa vkSj uksMy dk;kZy;ksa dh lqfoèkk Ã&lkbu dk;Z{kerk dks ykxw fd;k x;k gSA vc]
ds fy,] lhvkj, dh osclkbV ij] f”kdk;rksa vfHknkrk lhvkj, dks HkkSfrd çi= tek djus
dh fLFkfr ns[kus ds fy, fyfeVsM ,Dlsl O;w ds ctk; iathdj.k vkSj fV;j&AA ,fDVos”ku ds
dks l{ke fd;k x;k gSA vfHknkrk vkSj uksMy fy, vkosnu Q‚eZ dks lhèks Ã&lkbu dj ldrs
dk;kZy; lhvkj, ç.kkyh esa ços”k fd, fcuk gSaA
83PHakkrxt- IIIVI
• ,ihokà vfHknkrk ds fy, à çkudkMZ vkSj fufèk ¼ih,Q½ vkSj fuos”k iSVuZ dk p;u djus
laO;ogkj fooj.k dks MkmuyksM vkSj@;k dsfodYi ds lEcUèk esa çklafxd ifjorZuksa ds
ÇçV djus dh lqfoèkk miyCèk gSA ,ihokà lkFk mUur fd;k x;k gS A
vfHknkrk lhvkj, ,uih,l ykbV osclkbV
• ;g eksckby ,i vkÃvks,l vkSj ÇoMkst
¼www.npslite-nsdl.com ½ ds ekè;e ls vius
IysVQ‚eZ dk mi;ksx djus okys vfHknkrkvksa
Ã&dkMZ vkSj laO;ogkj fooj.k dk mi;ksx
ds fy, miyCèk djk;k x;k gS A ,Q,Vhlh,
dj ldrs gSaA vfHknkrk ds ikl çku foo-
vuqikyu fLFkfr dh tkap djus dk ,d fodYi
j.k ds lkFk@mlds fcuk viuk à çku dkMZ
Hkh ij lhfer igqap
vkSj laO;ogkj fooj.k [kkstus dk fodYi gSA www.npscra.nsdl.co.in
–”; esa çnku fd;k x;k gSA
vfHknkrk dks çku vkSj cSad [kkrk la[;k ;k
,ihokà ds rgr lhvkj, esa iath—r vfHknkrk • vc] ,uih,l eksckby ,i ds ekè;e ls
dk uke] cSad [kkrk la[;k vkSj tUefrfFk tSlk ,Q,Vhlh, ?kks’k.kk çLrqr djus dk ,d vfrfjä
U;wure fooj.k çnku djus dh vko”;drk gksrh fodYi vfHknkrkvksa ds fy, tkjh fd;k x;k
gSA
gSA vfHknkrk ,uih,l eksckby ,i esa y‚fxu
• ,ihokà vfHknkrkvksa dks Ã,uih,l ds ekè;e ØsMsaf”k;y dk mi;ksx djds y‚fxu dj ldrs
ls HkkSfrd ,ihokà çku dkMZ çkIr dk fodYi gSa vkSj Þ,Q,Vhlh,@lhvkj,l çek.kuÞ fodYi
fn;k x;k gSA vfHknkrk dks Ã,uih,l eap dk
dk p;u dj ldrs gSaA vfHknkrk dks vko”;d
mi;ksx djus vkSj isesaV xsVos ds ekè;e ls ykxw
,Q,Vhlh, fooj.k Hkjus vkSj vius iath—r
“kqYd dk Hkqxrku djds HkkSfrd çkudkMZ ds fy,
eksckby uacj ij vksVhih mRiUu djds fofèkor
vuqjksèk djus dh vko”;drk gSA
vfèk—r djrs gq, tek djuk vko”;d gS A
,uih,l eksckby ,i esa fo’ks"krk,a • iwoZ ,u,oh ns[kus dk ,d vfrfjä fodYi
eksckby ,i esa miyCèk djk;k x;k gS A
,uih,l vfHknkrk ,uih,l eksckby ,fIyds”ku ds
ekè;e ls vius [kkrs rd igqap ldrs gSaA ;g ,fIyds”ku • ,ihokà eksckby ,i ,uih,l ykbV vkSj ,ihokÃ
fofHkUu lqfoèkk,a çnku djrk gS vkSj vfHknkrk dh vfHknkrkvksa nksuksa ds fy, miyCèk gS A
lsokfuo`fÙk fufèk rd ljy igqap çnku djrk gSA
f’kdk;rksa ds vyVZ
,uih,l eksckby ,i esa fuEufyf[kr fo”ks’krk,a tksM+h
xà gSa% • ,d Ãesy@,l,e,l vyVZ ¼Vksdu la[;k ds
lkFk½ ,ihokà vfHknkrkvksa dks lhvkj, ç.kkyh esa
• ;kstuk ojh;rk ifjorZu] f”kdk;rksa ds fy,
,d f”kdk;r ntZ djus vkSj f”kdk;r ds lekèkku
vuqjksèk dh fLFkfr ns[ksaA
ds fy, Hkstk tkrk gSA ,d fo”ks’k vfHknkrk dks
• iwNrkN@f”kdk;rsa mBkrs gq, eksckby uEcj nsus
Hksts x, Ãesy vkSj ,l,e,l dk fooj.k ns[kus
dk fodYiA
ds fy, lhvkj, d‚y lsaVj mi;ksxdrkZ ds fy,
• loZj MkmuVkbe ds ekeys esa çeq[k i`’B esa lans”k ,d –”; lqfoèkk l{ke dh xà gSA ;g lhvkj,
lwpukA
mi;ksxdrkZ dks de le; esa xzkgdksa ds ç”u
• Ã çku –”;A dk dq”kyrkiwoZd lekèkku@gy djus esa enn
• ,uih,l eksckby ,i dks Vh;j& I [kkrs esa isa”ku djsxhA
84okf"kZd fjiksVZ | 2018-19
,ihokà ds fy, çku@Ãçku rgr d‚iksZjsV isa”ku fufèk dks pqu ldrs gSa vkSj vkfLr
vkoaVu vfHknkrkvksa }kjk fd;k tkrk gS vkSj ;fn fdlh
,ihokà vfHknkrkvksa dks Ã,uih,lds ekè;e ls HkkSfrd
ekeys esa vfHknkrkvksa dks fodYi fn;k tkrk gS] rks
,ihokà çku dkMZ j[kus dk fodYi fn;k x;k gSA
isa”ku fufèk vkSj vkfLr vkoaVu dk p;u vfHknkrkvksa
vfHknkrk dks Ã,uih,l eap dk mi;ksx djus vkSj
}kjk fd;k tkuk gksrk gSA vc] d‚iksZjsV }kjk fodYi
isesaV xsVos ds ekè;e ls ykxw “kqYd dk Hkqxrku djds
pqus tkus ds ekeys esa] bls laHkkoh d‚iksZjsV~l ds fy, Hkh
HkkSfrd çku dkMZ ds fy, vuqjksèk djus dh vko”;drk
ifjoÆrr dj fn;k x;k gS] tgk¡ dksiksZjsV dks ,uih,l
gSA vuqjksèk çkIr gksus ij] lhvkj, ç.kkyh esa iath—r
ds rgr iathdj.k djrs le; isa”ku fufèk vkSj lkFk gh
vfHknkrk ds irs ij lhvkj, }kjk HkkSfrd çkufdV Hksth
lkFk vkfLr vkoaVu dk p;u djuk gksrk gSA
tkrh gSA
blds vykok] ,uih,l ds rgr ;kstuk ojh;rk pquus
losZ{k.k
dk dk fodYi ;k rks d‚iksZjsV Lrj ;k vfHknkrk Lrj
v‚uykbu losZ{k.k lqfoèkk] ;gigy] lhvkj, }kjk
ij gksrk gSA
losZ{k.k djkus ds fy, ,d v‚uykbu eap fodflr
fd;k x;k gS] ftlesa lEcafèkr Çyd dk mi;ksx djds
lsokfuo`fÙk lykgdkj
vfHknkrk@ yf{kr lewg }kjk çfrfØ;k@mÙkj çnku
lsokfuo`fÙk lykgdkjksa ¼vkj,t+½ dks ih,QvkjMh,
fd, tk ldrs gSaA vfHknkrkvksa ds chp tkx:drk
}kjk ,uih,l ij lykg nsrs gq, mldh igq¡p dks
mRiUu djus@igqapkus ds fy, fofHkUu losZ{k.k fd,
x;sA c<kus ds fy, dh tkus okyh xfrfofèk;ksa esa layXu jgus
ds fy, fu;qä fd;k x;k gSA vkj,t+ dksà Hkh O;fä
=qfV vk’kksèku eksMîwy ¼Ãvkj,e½
iath—r lk>snkjh daiuh] d‚iksZjsV fudk; ;k dksÃ
uksMy dk;kZy;ksa }kjk ,d Ãvkj,e vuqjksèk çlaL—r
iath—r U;kl ;k laLFkk gks ldrh gSA v‚uykbu eap
fd;k tkrk gS ftuds }kjk lhvkj, ç.kkyh esa
dks lhvkj, ç.kkyh esa fodflr rFkk t+kjh fd;k x;k
va”knku viyksM fd;s tkrs gSA blds vfrfjä] vc
gS ftlls ,d O;fä@Ãdkà dks vkj, ds :i esa dk;Z
jkT; ljdkj ds ekeys esa]uksMy dk;kZy;ksa dh vksj
djus dh lqfoèkk çnku dh tk ldsA
ls ,dy Ãvkj,e laO;ogkj djus dh lqfoèkk fujh{k.k
vkèkkj vkèkkfjr çku tkjh djus dh lqfoèkk lsokfuo`fÙk
dk;kZy; dks çnku dh xà gSA ;g fofHkUu uksMy
dk;kZy;ksa }kjk ,df=r cgq Ãvkj,e vuqjksèk ds fy, lykgdkjksa dks çnku dh tkrh gSA ,uih,l ds rgr
ç;klksa rFkk le; dks cpk,xhA çku tkjh djus ds fy, lsokfuo`fÙk lykgdkj ¼vkj,½
dks lhvkj, ç.kkyh ¼www.cra-nsdl.com½ esa y‚x
v‚uykbu d‚iksZjsV iathdj.k
bu ifjp;i=ksa dk ç;ksx djds y‚x bu djrs gq,
Ã,uih,l eap ds ekè;e ls v‚uykbu iathdj.k dh vfHknkrk iathdj.k ij fDyd djuk gksxk A
lqfoèkk dks dksiksZjsV~l ds fy, l{ke cuk;k x;k gSA
uà lhvkj, VksyÝh gsYiykbu
d‚iksZjsV dks mi;qä iathdj.k fooj.k çnku djus rFkk
vkxs ds çlaLdj.k gsrq mi;qä nLrkostksa dks tek djus lhvkj, dks viuh lkekU; “kadkvksa@f”kdk;rksa ds
gsrq ,d ihvksih ds leUo; dh vko”;drk gksrh gSA lUnHkZ esa laidZ djus ds fy, ,d leÆir Vksy Ýh uacj
d‚iksZjsV Loj ,df=r iathdj.k fooj.k dks lEcafèkr ¼1800222081½ dks uksMy dk;kZy;ksa ds fy, miyCèk
ihvksih }kjk vfèk—r djkus dh vko”;drk gksrh gSA djk;k x;k gSA ;g ,uih,l vfHknkrkvksa ds fy,
blds vykok] iwoZ esa ,d fodYi fn;k x;k Fkk ftlds miyCèk Vksy Ýh uacj ¼1800222080½ ds vfrfjä gSA
85PHakkrxt- IIVII
3-16-5 isa’ku fufèk;ka v½ fjyk;al dSfiVy isa”ku Q.M fyfeVsM
,uih,l rFkk ih,QvkjMh, }kjk fofu;fer@ç”kkflr
vi½ ,lchvkà isa”ku Q.M çkbosV fyfeVsM
fdlh vU; ;kstuk dh vkfLr;ksa ds çcaèku O;kolkf;d vii½ ;wVhvkà fjVk;jesaV lksY;w”kal çkbosV fyfeVsM
fufèk çcaèkdksa }kjk fd;k tkrk gS tks fo”ks’k :i ls bl viii½ fcjyk lu ykbQ isa”ku eSustesaV fyfeVsM
ç;kstu ds fy, fu;qä fd;s x, gSaA
3-16-6 U;klh cSad
isa’ku fufèk;ksa ds dk;Z
d½ U;klh cSad%
isa”ku fufèk;ksa ds dk;Z esa lfEefyr gSa %
ih,QvkjMh, ¼U;klh cSad½ fofu;eksa] 2015 dh “krks± ds
d- çkfèkdj.k }kjk fuÆn’V rFkk vfHknkrkvksa ds
vuqlkj ,uih,l ds rgr ,d [kqyh cksyh çfØ;k ds
loksZÙke fgr esa fuos”k fn”kkfunsZ”kksa ds vuqlkj
ekè;e ls fnukad 1 tqykà 2015 ls 5 o’kZ dh vofèk ds
O;kolkf;d fuos”kA
fy, ,fDll cSad fyfeVsM dks U;klh cSad pquk x;k gSA
[k- çkfèkdj.k }kjk fuÆer ;kstukvksa ds vuqlkj
;kstuk iksVZQksfy;ks fuekZ.k
[k½ U;klh cSad dh Hkwfedk vkSj nkf;Ro %
x- bl dk;Z dh iqLrdksa rFkk vkys[kksa dk çcaèku
1½ U;klh cSad lhvkj, ç.kkyh dh fofHkUu bdkÃ;ksa
?k- çkfèkdj.k }kjk ,uih,lVh dks vkofèkd varjky
vFkkZr~ uksMy dk;kZy; ¼viyksÇMx dk;kZy;½]
ij fjiksÉVxA
isa”ku fufèk çcaèkd] okÆ’kdh lsok çnkrk vkSj
M- yksd çdVhdj.k
vfHknkrkvksa ds fy, fufèk LFkkukUrj.k dh lqfoèkk
çnku djrk gSA
,uih,l ds rgr 8 isa”ku fufèk;ka gSaA ;g rhu
2½ U;klh cSad] lhvkj, ç.kkyh esa fofHkUu uksMy
fuEufyf[kr isa”ku fufèk;ka ljdkjh {ks= ;kstukvksa vkSj
dk;kZy;ksa }kjk çkIr fufèk;ksa ds fooj.k okyh
,ihokà ;kstukvksa dks çcafèkr djrh gSaA
Qkby viyksM djrk gSA mlds ckn bl fooj.k
i½ ,yvkÃlh isa”ku Q.M fyfeVsM
dk lhvkj, ç.kkyh esa uksMy dk;kZy;ksa }kjk
ii½ ,lchvkà isa”ku QaM~l çkbosV fyfeVsM
çnku fd;s x, va”knku fooj.kksa ls feyku fd;k
iii½ ;wVhvkà fjVk;jesaV lksY;w”kal fyfeVsM
tkrk gSA
ljdkjh deZpkjh ,uih,l iksVZQksfy;ks dks çcafèkr 3½ lhvkj, ç.kkyh }kjk U;klh cSad fofHkUu bdkÃ;ksa
djus ds fy, isa”ku fufèk;ksa }kjk çHkkfjr fuos”k çcaèku vFkkZr~ isa”ku fufèk çcaèkd] okÆ’kdh lsok çnkrk]
“kqYd orZeku esa çcaèku ds vèkhu vkfLr;ksa dk 0-0102 çR;kgj.k [kkrksa esa fufèk LFkkukarfjr djus ds
çfr”kr çfr o’kZ gSA fy, Hkqxrku çfØ;k ds :i esa fufèk LFkkukUrj.k
funs”k çkIr djsxk vkSj isa”ku fufèk çcaèkdksa ls
futh {ks= ,uih,l ;kstuk,a fuEufyf[kr isa”ku fufèk;ksa
fufèk;ka çkIr dj ldsxkA
}kjk çcafèkr dh tkrh gSa %
4½ vifjfpr çs’k.kksa ;k viw.kZ tkudkjh okys çs’k.kksa
i½ ,pMh,Qlh isa”ku eSustesaV daiuh fyfeVsM
dks lEcafèkr bdkà dks okil dj fn;k tk,xkA
ii½ vkÃlhvkÃlhvkà çwMsfU”k;y isa”ku Q.M eSustesaV
5½ çR;sd fuiVku fnol ds var esa] U;klh cSad [kkrs
daiuh fyfeVsM
esa “ks’k jkf”k dks lhvkj, ç.kkyh ds lkFk esy
iii½ dksVsd eÇgæk isa”ku Q.M fyfeVsM
fd;k tkrk gSA
iv½ ,yvkÃlh isa”ku Q.M fyfeVsM
86okf"kZd fjiksVZ | 2018-19
,uih,l lajpuk esa fuEufyf[kr fp= U;klh cSad dh Hkwfedk dks n’kkZrk gS %
pkVZ 3-2% ,uih,l lajpuk vkSj eè;LFk bdkÃ;ka
87PHakkrxt- IV
III
x- U;klh cSad ds fy, le;lhek ,llh,Q ls lEcafèkr fufèk;ksa dks çsf’kr ugÈ
fd;k gSA ih,QvkjMh, bu ,llh,Q dk feyku
U;klh cSad dh O;kolkf;d xfrfofèk;k¡ vU; çfØ;kvksa
djus vkSj fuèkkZfjr le;lhek esa ntZ djkus dk
ls tqM+h gSaA blfy,] cSad ;g lqfuf”pr djrk gS fd
loksZÙke ç;kl dj jgk gSA
lHkh xfrfofèk;ksa dks fuÆn’V le;lhek ds Hkhrj iwjk
fd;k tk,A uhps fn;k x;k pkVZ çeq[k xfrfofèk;ksa vkSj ii½ ØsfMV jkf’k dk u gksuk&dà ckj uksMy
le;lhek] ftlesa cSad }kjk mu xfrfofèk;ksa dks iw.kZ dk;kZy; fu;fer :i ls fufèk çsf’kr ugÈ djrsA
fd;k tkuk gS dh ppkZ djrk gS % ih,QvkjMh, vfHknkrkvksa ds çku esa vçkIr çku
jkf”k ekeys ij lEcafèkr laxBuksa ds lkFk fu;fer
rkfydk 3-28 % U;klh cSad dh çeq[k xfrfofèk;k¡
:i ls ppkZ dj jgk gS&ih,vksl] rkfd foyEc
fØ;kdyki dk çdkj le;lhek
ds dkj.k vfHknkrk fuos”k volj dks u [kks nsaA
vKkr fufèk;ksa ds fjVuZ Vh$1
½ viw.kZ fooj.k ds lkFk çsf"kr fufèk;ka&dÃ
iii
fufèkçkfIr iqf’Vdj.k Qkby Vh$1 ¼çkr%9%00
uksMy dk;kZy;ksa us U;klh cSad dks ih,vks vkÃMh]
¼,Qvkjlh½ viyksM ctsrd½
laO;ogkj vkÃMh vkfn dh viw.kZ lwpuk çnku
lhvkj, ls is&bu funsZ”k Qkby çfrfnu
dh gSA U;klh cSad ds ikl] eà 2012 ls iwoZ çkIr
MkmuyksM
èkujkf”k vKkr :i ls iM+h gS] ftlds fy, uksMy
isa”ku fufèk çcaèkdksa dks lerqY; Vh$1 dk;kZy;ksa }kjk ukrks fufèk LFkkukUrj.k fooj.k
vkSj cgh fufèk;ksa dk LFkkukUrj.k çnku fd;k x;k uk gh ,llh,Q viyksM fd,
fofHkUu [kkrksa dkfooj.k vkSj vafre çfrfnu x,A ih,QvkjMh, blds lekèkku ds fy, uksMy
“ks’k dk viyksM dk;kZy;ksa ds lkFk fujarj ppkZ dj jgk gSA
fVIi.kh% ¼ifjdYiuk& U;klh cSad esa fnol ^Vh* ij iv½ U;klh cSad }kjk vfHknkrkvksa dks tkod
fufèk çkfIr½ çs"k.kksa dh okilh & U;klh cSad }kjk vfHknkrkvksa
çsf’kr fudkl fufèk;ka fofHkUu dkj.kksa ls okil
pqukSfr;k¡ ftudk lkeuk fd;k x;k
dj nh xÃ] buesa ls lcls çeq[k dkj.k vuqfpr
½ yafcr ,llh,Q & dà uksMy dk;kZy;ksa us
i
cSad fooj.k] vuqfpr vkÃ,Qlh] ykHkkFkÊ ds uke
,llh,Q dks nks ckj viyksM fd;k gS ;k bu
dk csesy gksuk vkfn FkkA
88okf"kZd fjiksVZ | 2018-19
pkVZ 3-3% nSfud vkSlr jkf’k ¼djksM+ esa½ & foÙk o"kZ 2018&19 ds nkSjku çpyu
ih,QvkjMh, ¼U;klhcSad½ fofu;e] 2015 fnukad 23 ¼ii½ fMikftVjh vfèkfu;e] 1996 ¼1996 dk 22½ ds
ekpZ 2015 dks vfèklwfpr gq,A fucaèkuksa vkSj Hkkjrh; çfrHkwfr vkSj fofue; cksMZ
}kjk vuqKkr ?kjsyq fu{ksikxkj ds :i esa dk;Z
isa”ku fufèk fofu;ked vkSj fodkl çkfèkdj.k ¼U;klh
djuk (
cSad½ fofu;e dk mís”; U;klh cSad ds :i esa dk;Z
djus dh bPNk j[kus okys fudk; dh ik=rk] “kklu] ¼iii½ vkfLr;ksa vkSj çfrHkwfr;ksa ij mn~Hkwr gdnkjh vkSj
laxBu vkSj ifjpkyu vkpj.k ds fy, ekud fuèkkZfjr ykHkksa dk laxzg.k djuk (
djuk gSA ih,QvkjMh, vfèkfu;e dh Hkkouk ds vuq:i ¼iv½ çfrHkwfr;ksa ds fuxedrkZ }kjk dh xà ;k dh
fofu;e] fujh{k.k] tkap] fuxjkuh vkSj çorZu “kfä;ksa tkus okyh dkjZokà ds ckjs esa lalwfpr djuk tks
dk çHkkoh ,oa foÜoluh; mi;ksx vkSj ,d dq”ky çksn~Hkwr gksus okys ykHkksa ;k gdnkjh ls lEcUèk gks(
vuqikyu dk;ZØe dks lqfuf”pr djsaxsA
¼v½ mi[kaM ¼i½ ls ¼iv½ esa lanÆHkr lsokvksa ds vfHkys[kksa
3-16-7 jk"Vªh; isa’ku ç.kkyh ds rgr vfHkj{kd dks cuk, j[kuk vkSj lekèkku djuk (
orZeku esa] LV‚d gksÇYMx dksiksZjs”ku v‚Q bafM;k
^çfrHkwfr;ksa dk vfHkj{kd* çkfèkdj.k }kjk fofu;fer
çfrHkwfr;ksa ds vfHkj{kd ds :i esa dk;Z dj jgs gSaA
isa”ku Ldheksa ds fy, vfHkj{kd vkSj fu{ksikxkj çfrHkkxh
lsok,a çnku djus ds fy, vfèkfu;e dh èkkjk 27 çfrHkwfr;ksa ds vfHkj{kd ds lkekU; mÙkjnkf;Ro
dh mi&èkkjk¼3½ ds varxZr çkfèkdj.k }kjk vuqnÙk ih,QvkjMh, ¼çfrHkwfr;ksa ds vfHkj{kd½ fofu;e]
jftLVªhdj.k çek.ki= laLFkk vfHkçsr gS ( 2015 ds vuqlkj çfrHkwfr;ksa ds vfHkj{kd ds lkekU;
ÞvfHkj{kd lsok,aÞ jk’Vªh; isa”ku ç.kkyh vkSj fdlh mÙkjnkf;Ro uhps fn, x, gSa %
vU; isa”ku Ldhe ds vèkhu vkfLr;ksa vkSj çfrHkwfr;ksa ¼1½ çfrHkwfr;ksa dk vfHkj{kd vius drZO;ksa ds fuoZgu
dks lqjf{kr j[kuk rFkk mlls vuq’kkafxd lsok,a çnku ds le; vfHknkrkvksa ds loksZÙke fgr esa lHkh
djuk vfHkçsr gS vkSj blesa lfEeyr gS %& le; ij mfpr lkoèkkuh] foosd] O;olkf;d
¼i½ vkfLr;ksa vkSj çfrHkwfr;ksa ds [kkrksa dks laèk`r dq”kyrk vkSj lE;d~ rRijrk cjrsxkA
djuk( ¼2½ çfrHkwfr;ksa dk vfHkj{kd vU; eè;oÆr;ksa vkSj
89PHakkrxt- IIIVI
laLFkkvksa ds lkFk la;kstu djus esa mls leFkZ fd isa”ku ;kstuk [kkrksa esa O;fäxr èkkfjr jkf”k
cukus ds fy, vko”;d çfØ;kvksa] ç.kkfy;ksa] fnu dh lekfIr ij fu{ksikxkj èkkfjr jkf”k;ksa
i;kZIr lwpuk rduhd volajpuk miyCèk vkSj xzkgd lgk;d lkekU; [kkrk cgh ds lkFk
djk,xk vkSj Hkfo’; esa gksus okys ifjorZuksa ftuesa lekèkku—r gksA
rduhd mUufr esa ifjorZu] ç.kkyh vkSj lsokvksa ¼8½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf”pr djsxk
ds fofunsZ”ku esa ifjorZu vkSj çkfèkdj.k }kjk fd isa”ku ;kstuk [kkrksa ds vUnj vkSj ckgj dh
fofuÆn’V dk;Z lEcUèkh nkf;Roksa dh mn~?kks’k.kk esa çfrHkwfr;ksa ds vfHkys[kksa dk fuekZ.k vkSj bl jhfr
ifjorZu ds vuq:i ifjoÆrr gksxkA esa mudk vuqj{k.k djsxk fd fdlh dkj.k ls
¼3½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf”pr djus ewy vfHkys[kksa ds yqIr gksus ij çfrHkwfr;ksa ds
ds fy, lHkh vko”;d lkoèkkfu;ka cjrsxk fd vuqjs[k.k vFkok nLrkostksa ds çfr:i dh lqfoèkk
vfHkys[kksa dh fujarjrk yqIr ;k u’V u gks vkSj miyCèk gksA
blds fy, vfHkys[kksa dk i;kZIr cSdvi miyCèk ¼9½ çfrHkwfr;ksa dk vfHkj{kd mldh vfHkj{kk esa èkkfjr
gksA çfrHkwfr;ksa ds vfHkys[kksa dk fuekZ.k vkSj bl jhfr
¼4½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf”pr djsxk fd esa mudk vuqj{k.k djsxk fd fdlh dkj.k ls
lHkh le; ij isa”ku ;kstuk [kkrksa esa laO;ogkj ewy vfHkys[kksa ds yqIr gksus ij çfrHkwfr;ksa ds
dk Lrj isa”ku fufèk vFkok jk’Vªh; isa”ku ç.kkyh vuqjs[k.k vFkok nLrkost+ ds çfr:i dh lqfoèkk
U;kl ds funsZ”kksa ds vuqlkj gks vkSj bu [kkrksa miyCèk gksA
esa èkkfjr vkfLr;ksa dk bLrseky Li’Vr;k dsoy ¼10½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf”pr djsxk
isa”ku fufèk vFkok jk’Vªh; isa”ku ç.kkyh U;kl fd jk’Vªh; isa”ku ç.kkyh vFkok çkfèkdj.k }kjk
}kjk vfèk—r laO;ogkj ds fy, fd;k x;k gSA fofu;fer fdlh vU; isa”ku ;kstuk ds varxZr
¼5½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf”pr djsxk mlds }kjk èkkfjr çfrHkwfr;ka i;kZIr :i ls
fd lHkh le; ij jk’Vªh; isa”ku ç.kkyh U;kl lqjf{kr gSaA
dh vksj ls èkkfjr çfrHkwfr;ksa dks mlds [kkrksa esa ¼11½ çfrHkwfr;ksa ds vfHkj{kd ds ikl vfHkys[kksa vkSj
mldh viuh èkkfjrkvksa] vU; xzkgdksa ds [kkrksa ls nLrkostksa esa ftuesa çfrHkwfr;ksa dh laijh{kk]
Li’Vr;k i`Fkd vkSj vyx j[kk x;k gS vkSj vU; vfèkdkj vFkok bl djkj ds vèkhu èkkfjr
xfrfofèk;ksa ls i`Fkd gS ^çfrHkwfr;ksa dk vfHkj{kd vkfLr;ksa ij gdnkjh “kkfey gSa fdlh çdkj ds
çkfèkdj.k }kjk fofu;fer isa”ku ;kstukvksa ds gsjQsj ls j{kk ds fy, i;kZIr vkarfjd fu;a=.k
fy, vkSj çfrHkwfr;ksa ds iathdj.k ds fuÆn’V jhfr gksxkA çfrHkwfr;ksa ds vfHkj{kd ds ikl ,slh
ds vuqlkj ,d i`Fkd vuqjf{kr [kkrk [kksysxk* çfrHkwfr;ksa ¼vkfLr;ksa vkSj nLrkostksa½ dks pksjh
¼6½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf”pr djsxk fd vkSj çk—frd vkink ls cpko lqfuf”pr djrk
jk’Vªh; isa”ku ç.kkyh U;kl vFkok isa”ku ;kstukvksa gqvk i;kZIr lqj{kk mik; gSaA
ds fy, mldh vuqj{kk esa èkkfjr çfrHkwfr;ksa ij ¼12½ çfrHkwfr;ksa dk vfHkj{kd çkfèkdj.k }kjk
lHkh vfèkdkj vkSj gdnkjh çkfèkdj.k vFkok fofu;fer isa”ku [kkrksa esa miyCèk vkfLr;ksa dk
jk’Vªh; isa”ku ç.kkyh U;kl }kjk fofuÆn’V jhfr fuiVku djus dk gdnkj ugÈ gksxk vFkok isa”ku
vkSj le; ij çkIr gksA fufèk vFkok vU; çdkj ls jk’Vªh; isa”ku ç.kkyh
¼7½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf”pr djsxk U;kl dh vksj ls ml ij ns; jkf”k;ksa ds va”kr%
90okf"kZd fjiksVZ | 2018-19
vkSj iw.kZr% lekèkku ds fy, muds lkFk le>kSrk vfHkj{kd 'kqYd
fcuk çkfèkdj.k vkSj jk’Vªh; isa”ku ç.kkyh U;kl
vkfLr lsok bysDVª‚fud vkSj HkkSfrd Hkkx ds fy,
dh iwoZ fyf[kr vuqefr ds ugÈ djsxkA
“kqYd vfHkj{kk ds rgr vkfLr dk 0-0032
%
¼13½ çfrHkwfr;ksa dk vfHkj{kd çfrHkwfr;ksa ij _.k
çfr o’kZA
Hkkj ugÈ yxk,xk ftuesa fxjoh j[kus] mçkèkh;u
3-16-8 jk"Vªh; isa’ku ç.kkyh U;kl
vFkok fdlh çdkj ds çHkkj dk fuekZ.k “kkfey gS
vFkok mä çfrHkwfr ij mldk nkok ugÈ djsxkA ,uih,l U;kl dh LFkkiuk] dsaæ ljdkj ds i= Mh-vks-
çfrHkwfr;ksa dk vfHkj{kd fcuk çkfèkdj.k vFkok No 5(75)/2006-ECB & PR fnukad 24 vçSy 2007 ds
jk’Vªh; isa”ku ç.kkyh U;kl dh vuqefr ds fdlh vuqlkj dh xÃ] ih,QvkjMh, U;kl dk LFkkid gS rFkk
çdkj ls çfrHkwfr;ksa dks ifjoÆrr ugÈ djsxkA ih,QvkjMh, }kjk ,uih,l U;kl foys[k 27 Qjojh
2008 dks gqvkA ih,QvkjMh, vkSj ,uih,lU;kl
¼14½ çfrHkwfr;ksa dk vfHkj{kd ,slh fjiksVks± vkSj
ds chp ,d le>kSrk Kkiu tks nksuksa i{kksa ds fy,
fooj.kksa dks isa”ku fufèk vFkok jk’Vªh; isa”ku
vfèkdkjksa rFkk ckè;rkvksa dks vafdr djrk gS 1 tqykÃ
ç.kkyh U;kl vFkok çkfèkdj.k vFkok vU;
2009 dks gLrk{kfjr gqvkA
eè;oÆr;ksa dks çkfèkdj.k }kjk le;≤ ij
fofuÆn’V vFkok le>kSrs esa fofuÆn’V varjkyksa ,uih,l U;kl dh LFkkiuk rFkk xBcaèku ,uih,l ds
ij rFkk ,slh jhfr esa çsf’kr djsxkA rgr ykHkkÆFk;ksa ¼vfHknkrkvksa½ ds fgrksa ds fy, vkfLr;ksa
¼15½ çfrHkwfr;ksa dk vfHkj{kd [kkrk cfg;ksa] iqLrdksa] rFkk fgrksa dks èkkj.k djus ds fy, gqà gSA U;kfl;ksa ds
vfHkys[kksa vkSj nLrkostksa dk leqfpr fuekZ.k ikl U;kl fufèk dk dkuwuh LokfeRo gS rFkk lkekU;
djsxk vkSj mlds ikl vius fu;a=.k] ç.kkfy;ksa] vèkh{k.k fn”kk rFkk U;kl ds dk;ks± dk çcaèku rFkk
çfØ;kvksa rFkk j{kkik;ksa ds iquÆoys[k] fujh{k.k lHkh “kfä;ksa çkfèkdkj rFkk vuqcèk fu.kZ; ;k U;kl ls
vkSj ewY;kadu ds ç;kstukFkZ i;kZIr ra= gksxkA lEcafèkr] iw.kZ :i ls U;kfl;ksa ds vfèkdkjksa esa fufgr
gS tks fQj Hkh ih,QvkjMh, vfèkfu;e&2013 Hkkjrh;
¼16½ çfrHkwfr;ksa dk vfHkj{kd vkarfjd laijh{kd ds
U;kl vfèkfu;e&1882 ,uih,l U;kl foys[k rFkk
}kjk frekgh vkèkkj ij ys[kk cfg;ksa dh laijh{kk
blds vfrfjä ih,QvkjMh, }kjk le;≤ ij
djk,xk vkSj vkfLr;ksa vFkok isa”ku fufèk;ksa
t+kjh fn”kkfunsZ”kksa ;k ekxZn”kZu fl)karksa ds vèkhu gSaA
ds dkjckj ls lEcafèkr mlds fu’d’kZ dks
tcfd ykHkkFkÊ fgr lnSo ,uih,l U;kl ds ykHkkÆFk;ksa
çkfèkdj.k vFkok jk’Vªh; isa”ku ç.kkyh U;kl dks
ds lkFk jgsaxsA
;FkkfofuÆn’V laijh{kk dh frfFk ls rhl fnu ds
i”pkr~ tek djk,xkA çkfèkdj.k us mi;qä i`’BHkwfe rFkk vuqHko okys O;fä
¼17½ çfrHkwfr;ksa dk vfHkj{kd jk’Vªh; isa”ku ç.kkyh U;kl dks U;kl ds eq[; dk;Zdkjh vfèkdkjh ds :i esa fu;qä
dks çLrkfor lsokvksa vkSj fofHkUu fØ;kdykiksa ds fd;k gS tks fd U;kl ds :i esa fu;qä fd;k gS tks fd
fy, fdlh Hkh fofu;ked] çkfèkdj.k] lek”kksèku U;kl ds nSfud ç”kklu rFkk çcaèku ds fy, mÙkjnk;h
fudk;] fofue; vFkok fu{ksikxkj }kjk ykxw gS] tks fd vèkh{k.k] fu;a=.k rFkk cksMZ dh fn”kkfunsZ”k
lHkh fu;eksa] fofu;eksa ifji=ksa vFkok ekxZn”kZd ds vèkhu gksxkA cksMZ dh rhu eghuksa esa ,d ckj cSBd
fl)karksa ds vuqlkj dk;Z djsxkA gksrh gSA ,uih,l U;kl cksMZ dk 31 ekpZ 2019 rd ds
vuqlkj xBu fuEu rkfydk esa fn;k x;k gSA
91PHakkrxt- IIIVI
rkfydk 3-29% 31 ekpZ] 2019 rd ds vuqlkj lfpo] foÙk¼O;;½] jktLFkku ljdkj ¼,uih,l
,uih,l U;kl cksMZ dk xBuA ds rgr ,;w,e ds fglkc ls lcls cM+k jkT;½
fnukad11@01@2019 dks fu;qäA
Ø-la- uke in
1 Jh vfÜou ikjs[k vè;{k vkSj U;klh
3-16-9 lsokfuo`fÙk lykgdkj
2 Jh latho pkuuk U;klh
,uih,l ij ijke”kZ çnku djrs gq, mldh igq¡p
3 Jh- vrkuq lsu U;klh
c<+kus dh xfrfofèk esa layXu jgus ds fy, lsokfuo`fÙk
4 Jh- fnus”k dqekj esgjks=k U;klh
lykgdkjksa dks fu;qä fd;k x;k gSA lsokfuo`fÙk
5 Jh- jkèkk—’.ku uS¸;j U;klh
lykgdkj dksà O;fä] iath—r lk>snkjh dEiuh]
6 Jh- lwjtHkku U;klh
d‚iksZjsV fudk; ;k dksà iath—r U;kl ;k laLFkk gks
7 Jh- latho feÙky U;klh
ldrh gSA lsokfuo`fÙk lykgdkj dks O;fäxr@bdkÃ
8 Jh- lqjsUæ dqekj lksyadh U;klh
ds :i esa iathdj.k dh lqfoèkk çnku djus ds fy,
9 Jh- equh”k efyd eq[; dk;Zdkjh lhvkj, ç.kkyh esa v‚uykbu eap dks fodflr vkSj
vfèkdkjh tkjh fd;k x;kA
ifjHkkf’kr ykHk ;kstukvksa ls ifjHkkf’kr va”knku ;kstukvksa
,uih,l U;kl }kjk ,uih,l fufèk dk çcaèku
ds lkFk isa”ku ifjdYiukvksa esa ifjorZu ds lkFk] tgk¡
,uih,l U;kl ds uke ij èkkfjr vfHknkrkvksa dh
O;fä;ksa dks foÙkh; fu.kZ; ysus vkSj vfèkd foÙkh;
,uih,l fufèk;ka] U;kfl;ksa ds cksMZ dh vksj ls fu;qä 8
tksf[ke mBkus dh vko”;drk gksrh gS] ,d mfpr
isa’ku fufèk;ksa }kjk çcafèkr dh tkrh gS rkfd vfHknkrkvksa
fuos”k iSVuZ dk p;u isa”ku ;kstuk ds çfrHkkfx;ksa
ds fgr esa ,uih,l U;kl ds y{;ksa dks le>k vkSj iw.kZ
ds fy, egRoiw.kZ gSA Hkkjr dks foÙkh; lk{kjrk ds
fd;k tk lds A ,uih,l U;kl }kjk isa”ku fufèk;ksa
fglkc ls derj ekuk tkrk gS] vkSj lsokfuo`fÙk
ds çn”kZu dh frekgh vkèkkj ij leh{kk dh tkrh
fu.kZ;ksa ds lEcUèk esa foÙkh; lykg ds fy, ,d çcy
gS vkSj mUgsa vfHknkrkvksa ds fgrksa dh j{kk ds fy,
vko”;drk dks çnÆ”kr djrk gSA lsokfuo`fÙk lykgdkj
funsZ”k@ijke”kZ çnku fd, tkrs gSaA blds vykok]
miHkksäkvksa dks fuos”k vkSj Hkqxrku fodYiksa dh csgrj
ih,QvkjMh, ,uih,lVh vkSj isa”ku fufèk;ksa ds çn”kZu
le> ds fy, ekxZn”kZu nsus vkSj lgk;rk djus esa
dh fuxjkuh djrk gSA
egRoiw.kZ Hkwfedk fuHkk jgs gSaA ;g ,d ekuo lewg
foÙk o’kZ 2018&19 ds nkSjku] ,uih,l U;kl ds U;klh
ftuds ikl mfpr dkS”ky vkSj lsokfuo`fÙk lykg ds
cksMZ esa rhu ¼3½ U;kfl;ksa dks Hkh fu;qä fd;k x;k gS]
lEcUèk esa fo”ks’kKrk gks vkSj ckt+kj lgHkkfx;ksa dks
tks fuEukuqlkj gS %
lsokfuo`fÙk xq.koÙkk eè;LFk ds fy, mfpr isa”ku@cpr
i½ Jh lwjt Hkku] iwoZ vkÃÃ,l] iwoZ vfrfjä eq[; mRiknksa dh vko”;drkvksa ds fodkl ij cy nsrk gSA
lfpo ¼Je½] fnukad 11@12@2018 dks fu;qäA
varjkZ’Vªh; vuqHko vkSj laxfBr vkSj vlaxfBr Jfedksa
ii½ Jh latho feÙky] vkÃ,,l] vfrfjä eq[;
okyh Hkkjrh; ç.kkyh dh vko”;drkvksa dks è;ku
lfpo] foÙk foHkkx] m-ç-ljdkj¼,uih,l ds
esa j[krs gq,] lsokfuo`Ùk tula[;k ds fgrksa dh j{kk
rgr vfHknkrkvksa dh la[;k ds vuqlkj lcls
ds fy, vkSj loZçeq[k] ,uih,l ls çkIr fjVUlZ esa
cM+k jkT;½ fnukad11@01@2019dks fu;qä A
fofHkUu fodYiksa dh le> esa deh ds dkj.k gksus okys
iii½ Jh ,l-ds-lksyadh] vkÃ,,l] lfpo@fo”ks’k tksf[keksa dks de djus ds fy,] ih,QvkjMh, us us”kuy
92okf"kZd fjiksVZ | 2018-19
baLVhVîwV v‚Q flD;ksfjVht ekdsZV~l ¼,uvkÃ,l,e½ okrkoj.k esa foÙkh; rduhd ¼fQuVsd½ ds çpkj vkSj
dks lsokfuo`fÙk lykgdkj çek.ku ijh{kk ds çek.ku ds fodkl ds fy, vuqxkeh rduhd vkSj lekèkkuksa ij
fy, ekU;rk çkIr laLFkku ds :i esa ekU;rk nh gSA ç;ksx djus ds fy, fd;k tk ldrk gSA rnuqlkj]
ih,QvkjMh, us vkjÃchvkÃVh] ih,QvkjMh,]
lsokfuo`fÙk lykgdkj dh ik=rk] iathdj.k çfØ;k]
,uihlhvkà vkSj ,u,lMh,y ls çfrfufèk;ksa dks ysdj
“kqYd vkfn ds fy, lajpuk çnku djus vkSj isa”ku {ks=
,d lewg dk xBu fd;k gS tks fofu;ked ra= ds
ds Øfed fodkl ds fy, lsokfuo`fÙk lykgdkj ds
ekè;e ls foÙkh; rduhdksa ¼fQuVsd½ dk mi;ksx dj
dk;Z{ks= vkSj mÙkjnkf;Ro dks ifjHkkf’kr djus ds mís”;
ldsA lfefr us viuh fjiksVZ tek dj nh gSA bls
ls ih,QMh, }kjk isa”ku fufèk fofu;ked vkSj fodkl
ih,QvkjMh, dh osclkbV ij yksxksa dh fVIi.kh@
çkfèkdj.k ¼lsokfuo`fÙk lykgdkj½ fofu;e] 2016 dks
çfrfØ;k@çfriqf’V dks ih,QvkjMh, dh osclkbV ij
vfèklwfpr fd;k x;k FkkA
çnÆ”kr fd;k x;k gSA
3-16-10 çkfèkdj.k }kjk isa’ku ds {ks= esa fd,
x½ Ã&,uih,l v‚uykbu eap
x, vU; dk;Z
vkÃlhVh eap ¼lwpuk rFkk lapkj çkS|ksfxdh½ ds O;kid
d½ lkbcj lqj{kk dk fØ;kUo;u%
ç;ksx }kjk vafre Lrjh; laidZ çnku djus ds fy,
ih,QvkjMh, us vfHknkrkvksa ds fgrksa dh j{kk ds fy, Ã&xous±l ds çpkj fMftVy bafM;k vfHk;ku ij çdk”k
Rofjr rduhdh ifjorZuksa vkSj foÙkh; {ks= esa mlds Mkyrs gq,] ih,QvkjMh,] ,uih,l ds laHkkoh rFkk lkFk
çHkko dk è;ku j[kus ds fy, lwpuk] ç.kkyh ,oa gh lkFk ekStwnk vfHknkrkvksa ds fy, v‚uykbu varj.k
rduhd vkSj lkbcj lqj{kk ij vxLr 2018 esa ,d lqfoèkk dks fodflr rFkk ifjpkfyr dj jgk gSA bl
LFkk;h lfefr dk xBu fd;k gS ^lfefr ds dk;Z{ks= vksj vfHknkrkvksa ds iathdj.k rFkk jk’Vªh; isa”ku ç.kkyh
esa lwpuk ç.kkyh] rduhd ,oa lkbcj lqj{kk eqíksa ij ds rgr va”knku dh çkfIr ds fy,] ,uih,l U;kl
lykg nsuk] çcaèku lwpuk ç.kkyh ¼,evkÃ,l½ ds ds ekè;e ls www.npstrust.org.in fodflr fd;k
fodkl] i;Zos{k.k vkSj fofu;ked eap] foÙkh; rduhdksa x;k gSA bl eap ds }kjk] laHkkoh vfHknkrk ,uih,l ds
ds fy, u, volj vkSj pqukSfr;k¡] fofu;ked rduh fy, iath—r gks ldrk gS] vius LFkk;h [kkrk la[;k
dsa] ih,QvkjMh, dh lkbcj lqj{kk@ç.kkyh@lwpuk esa va”knku dj ldrk gSA blds vfrfjä vfHknkrk
lqj{kk dh ys[kkijh{kk vkSj ,uih,l lajpuk ds rgr ftudk igys ls ,uih,l [kkrk gS lhèks Ã,uih,l
eè;LFk bdkÃ;k¡A ds ekè;e ls va”knku dj ldrs gSa rFkk ,uih,l
v‚uykbu esU;wdks ,uih,l esa iath—r gksrs le;]
ih,QvkjMh, us eq[; lwpuk lqj{kk vfèkdkjh ¼lhlks½
vfHknkrk viuk uke rFkk LFkk;h [kkrk la[;k ¼iSu½
dh ih,QvkjMh, ds Hkhrj lHkh vkÃVh vkSj lkbcj
fooj.k çnku dj ldrk gS tks fd vk;dj foHkkx
eqíksa ds çcaèku ds fy, fu;qfä dh gS vkSj lkbcj lqj{kk
ds lkFk oS|h—r gks tk,xhA vfHknkrk rc rd cSad
ls lEcafèkr eqíksa ij eè;LFkksa ,oa vU; bdkÃ;ksa tSls
¼ftlds ekè;e ls dsokÃlh lR;kiu gksuk gS ½ dk
lhÃvkjVh&bu] ,ulhvkÃvkÃihlh ds lkFk leUo;
p;u djsxk] O;fäxr fooj.kksa dks Hkjsxk] O;fäxr
LFkkfir djsxkA
fooj.k Hkjsxk rFkk QksVks vkSj gLrk{kj viyksM djsxkA
[k½ fofu;ked ra= ds ekè;e ls fQuVsd
fooj.k Hkjus ij] vfHknkrk usV cSaÇdx }kjk p;fur
foÙkh; {ks= esa rduhdh fodkl vkSj uokpkj }kjk
cSad ds [kkrs ls va”knku djsxkA ,d ckj Hkqxrku gks
vk”p;Ztud ifjorZu gq, gSaA fofu;ked ra= i)fr
tkus ijA çk.k vfHknkrk dks v‚uykbu çnku dj
dk mi;ksx isa”ku {ks= ds fy, lqjf{kr vkSj fu;af=r
93PHakkrxt- IIIVI
fn;k tk,xkA lhvkj, ç.kkyh ds ekè;e ls vfHknkrk miyCèk gS rFkk lkFk gh ,uih,l U;kl dh osclkbV
}kjk tek fooj.k p;fur cSad dks dsokÃlh lR;kiu ij miyCèk gSA lhvkj,&
www.npstrust.org.in
ds i”pkr~ çk.k lfØ; rFkk fØ;k “khy gks tk,xkA ,u,lMh,y dh osclkbV ds vuqlkj] 31 ekpZ 2019
vfHknkrk dks çi= ÇçV djus] QksVks fpidkus] gLrk{kj rd ds vuqlkj 3-48 yk[k fV;j&A [kkrs rFkk 1-07
djus rFkk lhvkj, dks HkkSfrd çi= fuèkkZfjr le; yk[k fV;j&AA [kkrs Ã,uih,l ds ekè;e ls [kksys
lhek esa va”knku v‚uykbu t+kjh j[krs gq, tek djus x,A
dh vko”;drk gksxhA
?k½ ,ihokà v‚uykbu midj.k%
vfHknkrk usV cSaÇdx@MsfcV dkMZ@ØsfMV dkMZ
ih,QvkjMh, us vusd v‚uykbu xq.k is”k fd;s gSa tks
}kjk fdlh Hkh le; vuqoÙkÊ va”knku v‚uykbu djsxk
fd vfHknkrkvksa dks ,ihokà xq.kksa rd igq¡pus ds fy,
rFkk ;g vfHknkrk ds çk.k [kkrs esa Vh$2 vkèkkj ij
fcuk cSad@Mkd ‘kk[kk rd tk, gq, lsok çnku djrk
ØsfMV dj fn;k tk,xkA Ã,uih,l ij iw.kZ tkudkjh
gS tSls %
ih,QvkjMh, dh osclkbV ij
www.pfrda.org.in
rkfydk 3-30 miyCèk ,ihokà v‚uykbu midj.k
la- fMftVy mi;ksfxrk ykHk
1 ,ihokà f”kdk;r ;g eksMîwy vfHknkrkvksa }kjk f”kdk;rsa ntZ djus rFkk mudh fLFkfr dh tkap
eksMîwy djus ds fy, ç;ksx fd;k tk ldrk gSA vfHknkrk çku ds lkFk vkSj çku ds
fcuk bl lqfoèkk dk mi;ksx dj ldrk gSA
2 ,ihokà vixzsM@ ,ihokà vfHknkrk o"kZ esa ,d ckj isa”ku jkf”k dks c<k ldrk gS@de dj ldrk
,ihokà MkmuxzsM O;w gSA ;g xq.k ç;ksxdrkZ dks l{ke cukrk gS fd og fHkUu jkf”k tks tek djuh
gS@çkIr djuh gS] dh tkap dj ldrk gSA vixzsM ds ekeys esa mPp jkf”k
tek dh tkuh gksrh gS rFkk MkmuxzsM djus ds ds ekeys esa vfrfjä va”knku
vfHknkrk dks okil dj fn, tk,axsA
3 à çkudkMZ@à lksV ;g laO;ogkj çdFku rFkk à çku dkMZ dks MkmuyksM djus ds fy, mi;ksxh
lqfoèkk gSA bl fodYi esa çku ds lkFk [kkstus vkSj çk.k ds fcuk [kkstus dh lqfoèkk
lfEefyr gSA vfHknkrk foÙk o"kkZuqlkj laO;ogkj çdFku dks MkmuyksM dj
ldrk gSA
4- ,ihokÃ@Ã,uih,l Ã,uih,l ds ekè;e ls fMftVy ,ihokà ukekadu foLr`r igq¡p lqfuf”pr
¼,ihokà esa fMftVy djrk gSA ;g ç;ksäk mi;ksxh eap gS rFkk ;g ,ihokà ds rgr ukekadu 'kq:
v‚ucksÉMx lqfoèkk½ ls var rd fMftVy baVjQsl] laHkkoh vfHknkrk ds fy, fcuk HkkSfrd çi= ds
rFkk fcuk cSad 'kk[kk ij tk, lqfuf”pr djrk gSA
5- eksckby ,ihokà eksckby ,i vfHknkrk dks [kkrs dk fooj.k rFkk ,ihokà [kkrs ds vU;
,Iyhds”ku fooj.k ns[kus ds fy, l”kä cukrk gSA LekVZQksu ds lkFk ekStwn ,ihokÃ
vfHknkrk xwxyLVksj ls ,ihokà eksckby ,i MkmuyksM dj ldrk gS rkfd
,ihokà [kkrs dh tkudkjh mfpr#i ls çkIr dj ldsA
94okf"kZd fjiksVZ | 2018-19
y?kqfoÙkh; cSad rFkk isesaV cSad ,ihokà forj.k ds ekStwnk pSuyksa dks etcwr djus ds
fy, ;g eglwl fd;k x;k gS fd ;g u, Hkqxrku cSad
Hkkjrh; fjtoZ cSad }kjk Hkqxrku cSad rFkk y?kq foÙkh;
rFkk y?kq foÙkh; cSad] ,ihokà ds rgr vfHknkrkvksa dh
cSad] cSadksa ds u, ifjdfYir e‚My gSaA y?kq foÙkh;
igq¡p c<kus esa xfr çnku djsaxs A
cSad rFkk isesaV cSad uà vkcnh ds cSad gSa rFkk cSad dh
–<+rk] fo”ks’kKrk igq¡p n”kkZrs gSa A y?kq foÙkh; cSad 31 ekpZ 2019 rd ds vuqlkj] lhvkj, ç.kkyh esa
rFkk Hkqxrku cSad ,ihokà ds rgr vfHknkrkvksa dh igq¡p fuEufyf[kr y?kq foÙkh; cSad iath—r gSaA
c<kus ds fy, çeq[k Hkwfedk fuHkk ldrs gSaA
rkfydk la[;k 3-31% y?kq foÙk cSadksa vkSj isesaV cSadksa dh lwph
,ihokà lsok ,u,y cSadksa ,u,y ,u,y 31] ekpZ
çnkrkvksa dk uke vksvks iath ds çdkj vksvks lhlh 2019 rd
dj.k la[;k jkT; ds #i esa iath ds vuqlkj
dk —r 'kk[kk,a iath—r
uke vfHknkrk
,;jVsy isesaV 7004900 isch gfj;k.kk 1 48]182
cSad fyfeVsM
Ã,l,,Q Leky Qkbusal 7004885 ,l,Qch dsjy 445 9]190
cSad fyfeVsM
isVh,e isesaV cSad cSad 7004863 isch mÙkj 1 0
fyfeVsM çns”k
lw;ksZn; Leky Qkbusal 7004896 ,l,Qch egkjk’Vª 52 0
cSad fyfeVsM
,;w Leky 7004911 ,l,Qch jktLFkku 306 0
Qkbusal cSad fyfeVsM
mTthou Leky Qkbusal 7004981 ,l,Qch dukZVd 0 0
cSad fyfeVsM
vfHknkrk iathdj.k ds lUnHkZ esa o’kZ nj o’kZ çn”kZu vuqyXud esa nh xà rkfydkvksa esa çnÆ”kr fd;k x;k
I
gSA
95PHakkrxt- IIVV
Hkkx
IV
4-1 isa’ku lykgdkj lfefr • xSj&çn”kZudkjh vkfLr;ksa dk çkoèkkuA
• ih,QvkjMh, vfèkfu;e 2013 ds rgr vU; isa”ku
ih,QvkjMh, vfèkfu;e dh èkkjk 45 isa”ku lykgdkj
;kstuk,aA
lfefr ds xBu dh ckr djrh gS ftlesa deZpkfj;ksa]
la?kksa] vfHknkrkvksa rFkk okf.kT; rFkk m|ksx] eè;LFk • dsaæ ljdkj vfHknkrkvksa dks isa”ku fufèk;ksa ds fodYi
ÃdkÃ;ksa rFkk isa”ku vuqlaèkku esa layXu laxBu ls dh “kq#vkr vkSj mudks fn, x, vkfLr vkoaVu ds
vH;kosnu çkIr gksrs gSa] tks fofu;e cukus lEcUèkh vuqlkj ijaijkxr fufèk dk vUrj.kA
ekeyksa ij lykg nsa ;k tks Hkh blls lEcafèkr gksA
isa”ku lykgdkj lfefr ¼ih,lh½ dk xBu vuqyXud
lanÆHkr o’kZ ds nkSjku isa”ku lykgdkj lfefr dh cSBd
esa gSA
IV
gqà vFkkZr~ 24 flrEcj 2018 vkSj 18 ekpZ] 2019 dks
4-2 fofu;e fuÆer vkSj la’kksfèkr
uà fnYyh esa gqÃA
foÙk o’kZ 2018&19 ds nkSjku fofu;ked fodkl ls
24 flrEcj 2018 dks laiUu gqà ih,lh dh
lEcafèkr lwpuk fuEukuqlkj gS %
X;kjgoÈ cSBd esa fuEufyf[kr ,tsaMk eqíksa ij
1- foÙk o’kZ 2018&19 ds nkSjku vfèklwfpr u, fofu;e
ppkZ dh xà %
% “kwU;
• ih,QvkjMh, ¼isa”ku fufèk½ fofu;eksa] 2015 esa fd,
2- foÙk o’kZ 2018&19 ds nkSjku vfèklwfpr u, fofu;eksa
x, la”kksèkuksa ij çLrkoA
esa fd, x, la”kksèku %
• ,uih,l ¼loZ ukxfjd e‚My½ O;fäxr {kerk vkSj
vçSy 2018& ekpZ 2019 ds nkSjku fuEufyf[kr
d‚iksZjsV e‚My ds rgr “kkfey vfHknkrkvksa ds fy,
la’kksèku vfèklwfpr fd, x, %
vfèkoÆ’krk dh vk;q dks 60 o”kZ ls c<+kdj 70 o’kZ
rkfydk 4-1% fofu;eksa dh vf/klwpuk dh frfFk
djus dh laHkkouk ij fopkjA
Ø- la’kksèku jktif=r
• ,uih,l futh {ks= ds rgr fMQ+‚YV isa”ku Q.M dk
la- vfèklwpuk
p;uA
dh frfFk
• ,uih,l ds rgr okÆ’kdh çnku djus okyh isa”ku
1- isa”ku fufèk fofu;ked vkSj 18-05-2018
fufèk;kaA
fodkl çkfèkdj.k ¼jk’Vªh; isa”ku
18 ekpZ 2019 dks laiUu gqà ih,lh dh ckjgoÈ
ç.kkyh ds rgr fudkl vkSj
cSBd esa fuEufyf[kr ,tsaMk eqíksa ij ppkZ dh
çR;kgj.k½ ¼pkSFkk la”kksèku½
xà %
fofu;e] 2018
2- isa”ku fufèk fofu;ked vkSj 25-06-2018
• ih,QvkjMh, mifLFkfr vfLrRo fofu;eksa] 2018
fodkl çkfèkdj.k ¼dsaæh;
esa fd;s x, la”kksèkuksa ds vuqlkj ç”kkflr vkSj
vfHkys[kiky vfHkdj.k½ ¼çFke
fofu;fer isa”ku ;kstukvksa ds forj.k ds fy, chek
la”kksèku½ fofu;e] 2018
,tsaVksa vkSj cSaÇd; deZpkfj;ksa dh lqfoèkk çnkudrkZ
ds :i esa fu;qfäA
96okf"kZd fjiksVZ | 2018-19
lfefr vfHknkrkvksa dh f”k{kk] tkx:drk vkSj lqj{kk ds
Ø- la’kksèku jktif=r
fy, fufèk ds mi;ksxhdj.k dh flQkfj”k djsxhA
la- vfèklwpuk
dh frfFk ;g lfefr fofHkUu laLFkkuksa] la?kksa vkSj laxBuksa] tks
3- isa”ku fufèk fofu;ked vkSj 25-06-2018 vfHknkrk tkx#drk] f”k{kk vkSj lqj{kk ekeyksa ls
fodkl çkfèkdj.k ¼mifLFkfr lEcafèkr fØ;kdykiksa esa layXu gS vkfn ds lkFk
vfLrRo½ fofu;e] 2018 ifj;kstukvksa vkSj fodkl dneksa dh vuq”kalk djsxhA
4- isa”ku fufèk fofu;ked vkSj 19-02-2019 lfefr dh cSBd o"kZ esa ,d ckj vk;ksftr dh tk,xh A
fodkl çkfèkdj.k ¼jk’Vªh; isa”ku 4-4 ih,QvkjMh, esa lwpuk çkS|ksfxdh vkSj
ç.kkyh ds rgr fudkl vkSj lkbcj lqj{kk ij LFkk;h lfefr %
çR;kgj.k½ ¼ikapok la”kksèku½
ih,QvkjMh, us lwpuk] ç.kkyh ,oa rduhd vkSj
fofu;e] 2018
lkbcj lqj{kk ij vxLr 2018 dks rhoz rduhdh
5- isa”ku fufèk fofu;ked vkSj 19-02-2019
ifjorZu vkSj vfHknkrkvksa ds fgr dks è;ku esa j[krs gq,
fodkl çkfèkdj.k ¼U;klh cSad½
foÙkh; {ks= ij mlds çHkko ds fy, ,d lfefr dk
¼çFke la”kksèku½ fofu;e] 2019
xBu fd;kA bl lfefr dk dk;Z{ks= lwpuk ç.kkyh]
4-3 vfHknkrk f’k{kk rFkk lqj{kk fufèk ds
rduhd vkSj lkbcj lqj{kk eqíksa] çcaèku lwpuk ç.kkyh
mi;ksxhdj.k ij lfefr dk xBu
¼,evkÃ,l½ dk fodkl] i;Zos{kh vkSj fofu;ked eap]
foÙkh; rduhd ds u, volj vkSj pqukSfr;k¡] fofu;ked
ih,QvkjMh, ¼vfHknkrk f”k{kk rFkk lqj{kk fufèk½
rduhd] lkbcj lqj{kk@ç.kkyh@lwpuk] ih,QvkjMh,
fofu;e 2015 dh èkkjk 6 ds vuqlkj vfHknkrk f”k{kk]
dh lqj{kk ys[kkijh{kk vkSj ,uih,l lajpuk ds rgr
tkx:drk ,oa lqj{kk xfrfofèk;ksa rFkk fufèk;ksa ds
eè;LFk bdkÃ;ksa ij lykg nsuk gSA lfefr dh cSBd
mi;ksx dh lykg nsus ds fy, 25 ekpZ 2019 dks ,d
foÙk o"kZ esa 2 ckj vk;ksftr dh tk,xhA
lfefr iquxZfBr dh xÃA lfefr 'kSf{kd fØ;kdykiksa
ds fy, fufèk ds mi;ksxhdj.k dh flQkfj”k djsxhA
97PHakrkxt- IVV
Hkkx
V
isa’ku fufèk fofu;ked vkSj fodkl çkfèkdj.k 3- Jh enus”k dqekj feJk] la;qä lfpo] Mh,Q,l]
ds fy, laxBukRed eqís foÙk ea=ky;] 03 uoacj] 2017 ls vkt rd
va”kdkfyd lnL; ds :i esaA
5-1 ih,QvkjMh, cksMZ dk xBu
5-2 çkfèkdj.k dh cSBdsa
ih,QvkjMh, vfèkfu;e dh èkkjk 4 çkfèkdj.k ds xBu
çkfèkdj.k dh cSBdsa
dks n”kkZrk gS ftlesa lfEefyr gSa] ih,QvkjMh, vè;{k]
3 iw.kZdkfyd lnL; rFkk 3 va”kdkfyd lnL; ftUgsa foÙk o’kZ 2018&19 ds nkSjku vk;ksftr vkB cSBdsa
dsaæ ljdkj }kjk fu;qä fd;k x;k gSA 31-03-2019 ftuesa çkfèkdkjh ds ifjpkyu ds ekè;e ls ekeys
rd ds vuqlkj lajpuk esa “kkfey gSa % fuèkkZfjr fd, x,A
rkfydk 5-1%foÙk o"kZ 2018&19 dh çkfèkdj.k
¼ ½ vè;{k
i
cSBdsa
Jh gsear th dkaVªsDVj 2014 esa ih,QvkjMh, vfèkfu;e
1- 70 oÈ çkfèkdj.k dh cSBd 18 vçSy
dh vfèklwpuk ds ckn lkafofèkd isa”ku fufèk fofu;ked
vk;ksftr dh xà 2018] cqèkokj
vkSj fodkl çkfèkdj.k ¼ih,QvkjMh,½ dk usr`Ro
2- 71oÈ çkfèkdj.k dh cSBd 28 eà 2018]
djus okys igys vè;{k gSaA og 7 vDVwcj 2014 dks
vk;ksftr dh xà lkseokj
ih,QvkjMh, esa “kkfey gq,A ih,QvkjMh, esa “kkfey
3- 72 oÈ çkfèkdj.k dh cSBd 30 tqykÃ
gksus ls igys og ,d dfj;j cSadj Fks] tks 1974 esa
vk;ksftr dh xà 2018]
Hkkjrh; LVsV cSad ¼,lchvký ifjoh{kkèkhu vfèkdkjh
lkseokj
ds :i esa “kkfey gq, Fks A
4- 73 oÈ çkfèkdj.k dh cSBd ifjpkyu
¼ ½ iw.kZ dkfyd lnL;
ii
vk;ksftr dh xà }kjk
1- M‚- ch-,l- HkaMkjh] iw.kZdkfyd lnL; ¼vFkZ”kkL=½
5- 74 oÈ çkfèkdj.k dh cSBd 09 vDVwcj
16-05-2014 ls vkt rd
vk;ksftr dh xà 2018]
2- Jh çnhi pìk] iw.kZdkfyd lnL; ¼fofèk½ 30-06-2016 eaxyokj
ls 26-03-2018 rd 6- 75 oÈ çkfèkdj.k dh cSBd ifjpkyu
3- Jh lqçfre canksikè;k;] iw.kZdkfyd lnL; ¼foÙk½ vk;ksftr dh xà }kjk
12-03-2018 ls vkt rd 7- 76 oÈ çkfèkdj.k dh cSBd 17 fnlEcj
vk;ksftr dh xà 2018]
¼ ½ va’kdkfyd lnL;
iii
lkseokj
1- lqJh ,uh t‚tZ eSF;w] la;qä lfpo] O;; foHkkx] 12
8- 77oÈ çkfèkdj.k dh cSBd 19 Qjojh
fnlacj 2014 ls vkt rd va”kdkfyd lnL; ds
vk;ksftr dh xà 2019]
:i esaA
eaxyokj
2- Jh latho ukjk;.k ekFkqj] la;qä lfpo] MhihihMCY;w]
dkÆed ea=ky;] ih th vkSj isa”ku] 11 vxLr]
2017 ls vkt rd va”kdkfyd lnL; ds :i esaA
98okf"kZd fjiksVZ | 2018-19
5-3 ih,QvkjMh, esa deZpkfj;ksa la[;k oxZ ds vfèkdkjh dks deZpkjh dY;k.k lfefr ds vè;{k
ds :i esa ukfer fd;k x;k gSA
31 ekpZ] 2019 rd ih,QvkjMh, dh deZpkfj;ksa dh
5-7 ih,QvkjMh, esa deZpkfj;ksa dk çf’k{k.k
la[;k 58 gS] ftuesa ls 56 vfèkdkjh laoxZ esa gSaA blds
vykok] çkfèkdj.k ds funsZ”kkuqlkj blds 7 vfèkdkjh
foÙkh; o’kZ 2018&19 ds nkSjku] ih,QvkjMh, }kjk
orZeku esa eq[; dk;Zdkjh vfèkdkjh] ,uih,l U;kl dks
fofHkUu fo’k; {ks=ksa tSls vkj{k.k uhfr ¼ÃMCY;w,l
fjiksVZ dj jgs gSaA
,aM ihMCY;wchMh,l½ fØ;kUo;u] vkjVhvkÃ] eq[;
5-4 ih,QvkjMh, esa vuqlwfpr tkfr@ vuqikyu vfèkdkfj;ksa ds fy, lEeysu] O;kikfjd Kku
vuqlwfpr tutkfr çdks"B vkSj vkschlh çdks"B ds fy, lks”ky ehfM;k ls ykHkkfUor gksus vkSj fofHkUu
dh LFkkiuk laLFkkvksa }kjk u‚u&,l,yvkj fuos”kksa dks çcafèkr djus
ij çf”k{k.k@dk;Z”kkykvksa ds fy, vfèkdkfj;ksa }kjk
vuqlwfpr tkfr@vuqlwfpr tutkfr@ihMCY;wMh
ukfer fd;k x;k FkkA
deZpkfj;ksa ds dY;k.k ds fy, ljdkjh funsZ”kksa dks
5-8 jktHkk"kk dk çpkj
ykxw djus ds fy, ih,QvkjMh, esa ,d çdks’B LFkkfir
fd;k x;k gSA ,d egkçcaèkd oxZ ds vfèkdkjh dks
ih,QvkjMh, us Hkkjr ljdkj dh jktHkk’kk uhfr ykxw
vuqlwfpr tkfr@vuqlwfpr tutkfr@ihMCY;wMh ds
djus] jktHkk’kk fofu;e 1963 vkSj jktHkk’kk fu;e
fy, laidZ vfèkdkjh ds :i esa ukfer fd;k x;k gSA
1976 dk ikyu lqfuf”pr djus vkSj ih,QvkjMh, esa
blds vfrfjä] ih,QvkjMh, esa vU; fiNM+h tkfr ds
Çgnh dks c<kok nsus ds fy, jktHkk’kk çdks’B dk xBu
dY;k.k ds fy, ,d vyx çdks’B LFkkfir fd;k x;k
fd;k gSA jktHkk’kk esa çkIr lapkj dk mÙkj jktHkk’kk
gSA ,d mi egkçcaèkd oxZ ds vfèkdkjh dks vkschlh ds
esa gh fn;k tkrk gSA ih,QvkjMh, }kjk rS;kj lHkh
fy, laidZ vfèkdkjh ds :i esa ukfer fd;k x;k gS A
fofu;e nks Hkk’kkvksa esa rS;kj fd, x, gSaA ,uih,l
5-5 dk;ZLFky ij ;kSu mRihM+u dh jksdFkke dh cM+h vfHknkrk la[;k esa lekt ds fofHkUu oxks±
ds fy, lfefr ds yksx “kkfey gS] bldk è;ku j[krs gq, vaxzsth esa
miyCèk lkexzh dks vfHknkrkvksa ds ykHk ds fy, Çgnh
dk;ZLFky ij ;kSu mRihM+u dh jksdFkke ds fy,]
esa vuqokfnr djk;k tk jgk gSA
dk;ZLFky ij efgykvksa ds ;kSu mRihM+u ¼jksdFkke]
5-9 lwpuk dk vfèkdkj%
fu’ksèk vkSj fuokj.k½ vfèkfu;e] 2013 ds vuqlkj
f“kdk;rsa] iwNrkN vkfn çkIr djus ds fy, ,d lfefr
ih,QvkjMh, esa lwpuk dk vfèkdkj vfèkfu;e] 2005
dks LFkkfir fd;k x;k gSA
dks fØ;kfUor djus ds fy, ,d leÆir çdks’B gSA ;g
5-6 deZpkjh dY;k.k lfefr çdks’B lwpuk dk vfèkdkj vfèkfu;e] 2005 ds rgr
çkIr fd, tkus okys vkosnuksa dks lalkfèkr djrk gS vkSj
ih,QvkjMh, esa deZpkfj;ksa ds dY;k.k dh fofHkUu
dsUæh; yksd lwpuk vfèkdkjh ¼lhihvkÃvks½ ds vèkhu
xfrfofèk;ksa dh igpku vkSj vk;kstu djus ds fy, ,d
dk;Z djrk gSA tSlk fd vkjVhvkà vfèkfu;e ds rgr
deZpkjh dY;k.k lfefr xfBr dh xà gSA lfefr lHkh
vko”;d gS] ih,QvkjMh, us ,d vihyh; çkfèkdkjh
deZpkfj;ksa ds chp vkSj deZpkfj;ksa vkSj çcaèku ds chp
¼,,½ dks ukfer fd;k gS ftlds ikl lhihvkÃvks ds
vPNs lacaèkksa dks lqjf{kr vkSj lajf{kr djus ds mik;ksa
vkns”k ds fo#) vihy dh tk ldrh gSA
dks fodflr djus esa enn djsxh A ,d mi egkçcaèkd
99PHakkrxt- IVV
vkjVhvkà vfèkfu;e ds vuqlkj] dksà Hkh ukxfjd çLrqr dh gS ftllslaln dks ç’uksa ds mÙkj nsus dh
dsaæh; yksd lwpuk vfèkdkjh] isa”ku fufèk fofu;ked lqfoèkk çnku dh tk ldsA
vkSj fodkl çkfèkdj.k] çFke ry] N=ifr f”kokth
5-11 lwpuk çkS|ksfxdh fØ;kdyki
Hkou] ch&14@,] dqrqc laLFkkfud {ks=] uà fnYyh
110016 dks i;kZIr “kqYd ds lkFk fyf[kr esa mfpr ih,QvkjMh, dh osclkbV] vfHknkrkvksa vkSj laHkkoh
vkosnu djrs gq, lwpukdh ekax dj ldrk gS vkSj@;k vfHknkrkvksa dks lwpuk vkSj lgk;d lkexzh çnku djrh
ij miyCèk v‚uykbu iksVZy ij gS] ftlesa vfHknkrk ds vfèkdkjksa vkSj fgrksa dh j{kk]
www.pfrda.org.in
vkjVhvkà vkosnu] 2005 ds rgr vkjVhvkà ntZ dj fofu;e] ifji=] isa”ku ;kstuk mRikn] isa”ku fufèk;ka]
ldrk gSA fudkl vkSj ykHk ij lwpuk lfEefyr gSA
o’kZ 2018&19 ds nkSjku] 31 ekpZ] 2019 rd 686 1- ih,QvkjMh, dh osclkbV dks Hkkjr ljdkj dh
vkjVhvkà vkosnu vkSj 59 vihy çkIr gqà tks jk’Vªh; osclkbVksa ds fy, fn”kkfunsZ”kksa ds vuqlkj fuÆer
isa”ku ç.kkyh ¼,uih,l½ ds rgr fudkl] O;fäxr fd;k x;k gSA osclkbV f}Hkk‘kh gSA osclkbV dks
[kkrk [kksyus] LFkkukUrj.k] ,uih,l ds rgr çR;kgj.k flD;ksfjVh v‚fMV vkSj ,l,l,y ¼flD;ksj l‚dsV
vkSj fudkl] ,ihokà ;kstuk vkfn ds lEcUèk esa FkhA ys;j½ fØ;kUo;u ds lkFk ,uvkÃlh DykmM ij
lHkh vkosnu vkSj vihy dk vkjVhvkà vkosnu] 2005 LFkkukarfjr fd;k x;k gSA
ds rgr mÙkj fn;k x;k@ fuiVk;k x;kA vkjVhvkÃ
2- ,uih,l U;kl dh osclkbV] ,uih,l ds lEcUèk
vfèkfu;e] 2005 lHkh çkfèkdj.kksa dks viuh osclkbV ij
esa csgrj lwpuk çnku djrh gS] tks fd vkxs
viuh vksj ls çdVhdj.k djus ds fy, ckè; djrk gSA
pydj vfHknkrk ds fy, dkQh mi;ksxh gksrh gSA
çdVhdj.k dk dsaæÇcnq ih,QvkjMh, dh O;kogkfjdrk
vfHknkrkvksa dh lwpuk@rqyuk ds fy, ikjnƔkrk
vkSj dk;Z i)fr ds Lrj esa ikjnƔkrk dks c<+kuk gSA
dks lqfuf”pr djus ds fy, ,u,oh fooj.k]
ih,QvkjMh, us Hkh viuh osclkbV ij viuh vksj ls
;kstukvksa ds fjVuZ] ;kstukvksa ds iksVZQksfy;ks
lwpuk çdVh—r dh gSA bl lEcUèk esa] ih,QvkjMh,
fooj.k çnÆ”kr fd;s tkrs gSaA
ds fofHkUu dk;ks±] “kfä;ksa vkSj drZO;ksa ,oa mlds
3- dkoÊ lhvkj, ¼ @½ iksVZy]
https://nps.karvy.com
vfèkdkfj;ksa vkfn ds lEcUèk esa lwpuk ih,QvkjMh, dh
,u,lMh,y lhvkj, ¼
https://npscra.nsdl.
osclkbV ij nh xà gSA blds vykok] ih,QvkjMh,
½ iksVZy vkSj nksuksa lhvkj, dh eksckby ,i
co.in/
vfèkfu;e] muds rgr cuk, x, fu;e vkSj fofu;e]
lHkh fgLlsnkjksa dks lwpuk çnku djrh gSA ;g
ifji= vkSj tkjh dh xà fu;ekoyh Hkh osclkbV ij
lwpuk vU; ckrksa ds lkFk&lkFk LVS.MMZ v‚ijsÇVx
miyCèk gSA
çkslhtlZ ds lkFk u‚yst lsaVj] çi= vkSj Mseks dks
5-10 lalnh; ç’u
Hkh lfEefyr djrh gS vkSj lkFk gh lsokfuo`fÙk
lykgdkjksa] uksMy vfèkdkfj;ksa vkSj vfHknkrkvksa ds
foÙk o’kZ 2018&19 ds nkSjku] ih,QvkjMh, dks 72
fy, y‚x bu dh lqfoèkk Hkh çnku djrh gSA
lalnh; ç”u çkIr gq, tks Hkkjr ljdkj }kjk] fo”ks’k
:i ls foÙk ea=ky; }kjk Hksts x, Fks]ftuesa o`)koLFkk 4- Ã&v‚fQl % ih,QvkjMh, esa Ã&v‚fQl dks
vk; lqj{kk ls lEcafèkr fofHkUu eqíksa ij ,uih,l vkSj fØ;kfUor fd;k x;k gS rkfd Qkbyksa dks rst+h ls
,ihokÃç’u ‘kkfey gSa A ih,QvkjMh, us mÙkj@mÙkjksa vkxs c<k;k tk lds vkSj mu ij çHkkoh :i ls
ds fy, lwpuk vkSj lkexzh fu;rdkfyd le; esa dk;Z laiUu fd;k tk ldsA
100okf"kZd fjiksVZ | 2018-19
5- yhTM ykbu dusfDVfoVh % ih,QvkjMh, 34 foÙk o’kZ 2015&16 ds ctV Hkk’k.k esa vVy isa”ku
,echih,l yhTM ykbu lqfoèkk dk mi;ksx dj ;kstuk ¼,ihoký dh ?kks’k.kk dh xÃA ;g isa”ku ;kstuk
jgk gS rkfd ih,QvkjMh, esa bUVjusV lsokvksa dks 18&40 o’kZ dh vk;q ds lHkh ukxfjdksa ds fy, fuÆer
miyCèk djk;k tk ldsA gS] tks çeq[k :i ls vlaxfBr {ks= ds yksxksa ij dsfUær
gSA ,uih,l ykbV@Lokoyacu ds rgr vkus okys
6- lkbcj@vkÃVh ys[kkijh{kk % orZeku le; esa
18&40 o’kZ ds lHkh vfHknkrk vVy isa”ku ;kstuk esa
lkbcj ladV cgqr c<+ pqds gSa vkSj blfy,
LFkkukarfjrgksus ds fy, ;ksX; gSaA foÙk o’kZ 2018&19
vkÃVh ra= dks fdlh Hkh lkbcj [krjs ls lqjf[kr
ds nkSjku] ih,QvkjMh, us ,ihokà ds rgr ljdkjh
j[kuk u dsoy vko”;d gS cfYd vfuok;Z gS A
lg&va”knku] lsokçnkrkvksa dks çksRlkgu vkSj vU;
bl lEcUèk esa] ih,QvkjMh, us lkbcj [krjksa ds
çpkj&çlkj okyh xfrfofèk;ksa ds fy, #- 155-00 djksM+
fo#) vfèkdre lqj{kk lqfu”pr djus ds fy,
dk vuqnku çkIr fd;kA
lkbcj lqj{kk v‚fMV vk;ksftr fd, gSaA
Lokoyacu ;kstuk ds fy, ljdkjh lg&va”knku vkSj
7- isa”ku lap; osclkbV % isa”ku lap; osclkbV dk
çpkj ds fy, Hkkjr ljdkj ls #-10-39 djksM+ dh jkf”k
mi;ksx vfHknkrkvksa vkSj lkekU; turk ds chp
çkIr dh xÃA
isa”ku] lsokfuo`fÙk cpr ;kstuk] o`)koLFkk vk;
lqj{kk vkSj turk dks ,uih,l ykHk ds lEcUèk esa foÙk o’kZ 2018&19 ds fy, çkfèkdj.k ds [kkrs isa”ku
tkx:drk QSykus vkSj mUgsa f”kf{kr djus ds fy, fufèk fofu;ked vkSj fodkl çkfèkdj.k ¼ys[kksa vkSj
fd;k tkrk gSA vfHkys[kksa dh okÆ’kd fooj.kh dk çk:i½ fu;eksa ds
vuqlkj fuèkkZfjr fd;s x, gSaA ;g [kkrs ih,QvkjMh,
8- ih,QvkjMh, ds dk;Z{ks= dh fuxjkuh vkSj lqj{kk]
cksMZ }kjk fnukad 01-10-2019 dks laiUu viuh 82oÈ
çkfèkdj.k esa ekStwnk lhlhVhoh fuxjkuh ra= }kjk
cksMZ cSBd esa vuqeksfnr fd, x, gSaA ih,QvkjMh,
dh tkrh gSA
cksMZ }kjk vuqeksfnr ih,QvkjMh, dk rqyui= vkSj
5-12 vU; xfrfof/k;ka
vk; ,oa O;; [kkrs] foÙkh; fooj.kksa dk Hkkx cuus okyh
vuqlwfp;ksa lfgr ifjf”k’V esa miyCèk gSA
V
fdlh Hkh O;fä }kjk] çkfèkdj.k ds la”kkèkuksa dh pksjh
;k xcu ;k vè;{k] lnL;ksa ;k vU; vfèkdkfj;ksa] ih,QvkjMh, vfèkfu;e 2013 ds çkoèkkuksa ds vuqlkj
deZpkfj;ksa ;k ,tsaV }kjk çkfèkdj.k dh “kfä;ksa foÙk o’kZ 2018&19 ds fy, ih,QvkjMh, ds [kkrs
dk nq:i;ksx ;k çkfèkdj.k ds fdlh fu.kZ; dk mlds Hkkjr ds fu;a=d vkSj egkys[kk ijh{kd ¼lh,th½ dks
vfèkdkfj;ksa] deZpkfj;ksa ;k ,tsaV }kjk guu ;k isa”ku ys[kkijh{kk vkSj çek.ku ds fy, Hksts x, gSaA lh,th
m|ksx dk çpkj ;k fodkl lEcUèkh dksà ekeyk ntZ ls ys[kkijh{kk ds ckn] çkfèkdj.k ds çekf.kr [kkrs
ugÈ fd;k x;kA ys[kkijh{kk fjiksVZ ds lkFk dsaæ ljdkj dks tek dj
fn, tk,axs vkSj mlds ckn dsaæ ljdkj bls laln ds
5-13 ih,QvkjMh, ds [kkrs
nksuksa lnuksa ds le{k çLrqr djsxhA
foÙk o’kZ 2018&19 ds nkSjku ih,QvkjMh, us vius
ç”kklu lEcUèkh O;;ksa ds fy, Hkkjr ljdkj ls #-12-60
djksM+ dk vuqnku çkIr fd;kA
101PHakkrxt- IVVI
Hkkx
VI
vfHknkrkvksa ds fgrksa ij çfrdwy çHkko Mkyus 6-2 oSèkkfud nkf;Roksa ftudk çkfèkdj.k us
okys {ks= ikyu ugÈ fd;k gS
6-1 ,ihokà esa 'kkfey gksus ds fy, 40 lky 6-2-1 U;wure vkÜokflr fjVuZ ;kstuk
dh vk;q lhek ¼,e,vkj,l½
,uih,l Lokoyacu tks vke vlaxfBr {ks= ds Jfedksa ih,QvkjMh, vfèkfu;e dh èkkjk 20 ¼2½ ¼d½ ¼b½
ds fy, “kq: dh xà Fkh] vçSy 2015 ls fuf’Ø; dj nh ds rgr] de ls de vkÜokflr fjVuZ ekaxus okys
xÃA Lokoyacu ;kstuk ds LFkku esa ,ihokà dks “kq: vfHknkrk ds ikl ,sls QaMksa esa fuos’k djus dk fodYi
fd;k x;k gS tks varÆufgr vfHknkrkvksa ds fy, xkjaVh gksxk] tks U;wure vkÜokflr fjVuZ çnku djrs gSa
ykHk çnku djrh gSA Lokoyacu ;kstuk ds vfHknkrkvksa tSlk Hkh çkfèkdj.k }kjk vfèklwfpr fd;k tk,xkA
dks ,ihokà esa LFkkukarfjr gksus dk fodYi fn;k x;k gkykafd] èkkjk 20 ¼2½ ¼d½ ¼e½ vfHknkrkvksa }kjk cktkj
gSA gkykafd] ,ihokà ;kstuk 40 lky ¼18 iw.kZ ls pyus ls [kjhns tkus okys cktkj&vkèkkfjr xkjaVh ra= dks
okys 40 o’kZ½ rd dh mez ds vfHknkrkvksa dks “kkfey NksM+dj ykHkksa dk dksà vO;ä ;k lqO;ä vkÜoklu
gksus dh vuqefr nsrh gSA blls 41 o’kZ & 60 o’kZ ds ugÈ gksxkA nks mi[kaMksa dks lqlaxr :i ls le>us
vk;q oxZ ds ços”k ds fy, ckèkk mRiUu gksrh gS] tks ij] ;g Li’V gS fd U;wure vkÜoklu fjVuZ çnku
fdlh O;fä ds thou pØ esa vfèk”ks’k vk; dh vofèk djus okyh ,d ;kstuk miyCèk djkà tkuh pkfg,A
Hkh gksrh gSA blfy,] bl ;kstuk dks vfèkd yksxksa ds gkykafd] ;g cktkj vkèkkfjr xkjaVh ra= ij vkèkkfjr
fy, miyCèk djkus ds fy,] ;ksX;rk dh mez orZeku gksuk pkfg,A ih,QvkjMh, foÙkh; lsok,a foHkkx] foÙk
40 o’kks± ls c<+k nh tk ldrh gSA ea=ky; ds ijke”kZ ls de ls de ,d iwath laj{k.k
;kstuk dks ykus dh laHkkouk dh ryk”k dj jgk gS] tks
cktkj vkèkkfjr gksxh vkSj tks isa”ku fufèk dh xSj iwath
xgu lajpuk ij nqHkZj “kksèku {kerk lEcUèkh ftEesnkjh
ugÈ MkysxhA
isa”ku fufèk;ksa vkSj vU; fgLlsèkkjdksa ds ijke”kZ ls ,d
lkaxr eklZ ;kstuk ds fuekZ.k dk ç;kl fd;k tk jgk
gSA ;g vHkh Hkh tkap ds vèkhu gS vkSj vHkh rd bls
vfèklwfpr ugÈ fd;k x;k gSA
102okf"kZd fjiksVZ | 2018-19
Hkkx
VII
vfèkfu;e ds rgr jk"Vªh; isa’ku ç.kkyh vkSj ntZ djus ij] lhth,e,l esa ,d fof”k’V Vksdu
vU; isa’ku ;kstukvksa ds vfHknkrkvksa ds fgrksa uacj tkjh fd;k tkrk gSA vc] ,d fØ;kRedrk
dh j{kk ds fy, çkfèkdj.k }kjk mBk, x, lhvkj, ç.kkyh esa tkjh dh xà gS ftlesa
dksà Hkh vU; mik; lEcafèkr f”kdk;r Vksdu uacj dk iw.kZ fooj.k
tSls ntZ dh xà f”kdk;r] lekèkku] o`f) ;fn
7-1 tSlk fd igys mYys[k fd;k x;k gS] blds
dksà gks rks] mi;ksäk dks çnÆ”kr dh tk,xhA
vykok] çkfèkdj.k }kjk muds xzkgdksa ds fgrksa dh
• p;fur cSad muds bUVjusV cSaÇdx pSuy ds
j{kk ds fy, vU; igy dh xà gSa A
ekè;e ls ,ihokà dh lqfoèkk çnku dj jgs gSaA
gky gh esa vfHknkrk dh lqfoèkk ds fy, fuEufyf[kr
• lhvkj, ç.kkyh esa tkdj ,uih,l ds rgr
dne mBk, x, gSa %
fudkl vuqjksèk djus gsrq vfHknkrkvksa@uksMy
• ,uih,l fu;fer ds vfHknkrkvksa ds ikl muds dk;kZy;ksa ds fy, v‚uykbu çR;kgj.k eksMîwy
lhvkj, y‚x bu esa ,uih,l ds rgr LoSfPNd
fØ;kfUor fd;k x;k gSA lhvkj, ç.kkyh esa
vfrfjä va”knku ds fooj.k dks ns[kus@
çR;kgj.k eksM;wy ls lEcafèkr fofHkUu o`f);k¡
MkmuyksM djus dk fodYi gSA ;g vk;dj
dh tk jgh gSaA vfHknkrkvksa@uksMy dk;kZy;ksa
vfèkfu;e] 1961 ds ykxw Hkkx ¼xksa½ ds rgr
dks lhvkj, ç.kkyh esa tkdj ,uih,l ds rgr
fuos”k lk{; ds :i esa ç;ksx fd;k tk ldrk
fudkl vuqjksèk djus dh lqfoèkk çnku djus
gSA
ds fy, vc VsDLV c‚Dl çnÆ”kr fd;k tk,xk
• isa”ku fufèk;ksa vkSj fuos”k ;kstukvksa ds fy, ftlesa ,deq”r çR;kgj.k vkSj okÆ’kdh ds chp
vfHknkrkvksa dks vfèkd fodYi nsus ds fy, çR;kgj.k dks’k ds çfr”kr vkoaVu ds fooj.k
fuos”k fn”kkfunsZ”kksa dks la”kksfèkr fd;k x;k dks mi;ksäk dks çR;kgj.k vuqjksèk djrs le;
gSA ,uih,l ;kstukvksa ¼ljdkjh {ks= ls le>k,xkA ;g mi;ksäk dks dks’k vkoaVu ds
fHkUu ¼lhth vkSj ,lth½] d‚iksZjsV lhth] fo’k; esa tkuus vkSj okÆ’kdh ;kstuk ds fy,
,uih,l ykbV vkSj ,ihokýesa la”kksèku fnukad çfr”kr pquus esa lgk;rk djsxkA
22-05-2018 fd, x,A ,uih,l ds rgr futh
• lsokfuo`fÙk lykgdkjksa ¼vkj,t+½ ds fy,
{ks= ds vfHknkrkvksa ds fy, lfØ; fodYi esa
v‚uykbu iathdj.k dh lqfoèkk dks Hkh fodflr
bfDoVh fuos”k ij lhek dks ekStwnk 50 ls
% fd;k x;k gSA
c<+kdj 75 dj fn;k x;k gS] tks fd vfHknkrk
%
• [kkrk laO;ogkj] va”knku Hkqxrku ds fy,
}kjk 50 o’kZ dh vk;q çkIr djus ij bfDoVh
vuqLekjd vkfn ds fy, ,l,e,l vkèkkfjr
vkoaVu dh lekfIr dh lkFk miyCèk gSA ;g
lwpuk,a vkofèkd :i ls Hksth tkrh gSaA
dne xSj&ljdkjh {ks= vfHknkrkvksa ds fgr ds
• ih,QvkjMh, ¼fudkl vkSj çR;kgj.k½] fofu;e]
fy, gSA
2015 ds vuqlkj ,uih,l ds rgr lafpr isa”ku
• ,uih,l ds rgr] vfHknkrkvksa@uksMy dk;kZy;ksa
laifÙk dk vkaf”kd çR;kgj.k] ,uih,l ls fudkl
ds ikl lhvkj, dh dsaæh; f”kdk;r çcaèku
ds fdlh Hkh le;] fofu;eksa esa fuÆn’V fu;e
ç.kkyh esa f”kdk;r ntZ dj ldrk gSA f”kdk;r
103PHkakrxt -VIVII
vkSj “krks±] dkj.k] vko`fr vkSj lhek ds vèkhu • ,uih,l fu;fer vkSj ,ihokà ds fy,
gSA vc] ih,QvkjMh, ¼fudkl vkSj çR;kgj.k½] vkèkkj vkèkkfjr vfHknkrk iathdj.k vkSj
fofu;e 2015 ds rhljs vkSj pkSFks la”kksèku ds Ã&lkÃu lqfoèkk
vuqlkj] vkaf”kd çR;kgj.k fuEufyf[kr dkj. • lsokfuo`fÙk lykgdkj ds fy, vkèkkj
kksa ds fy, Hkh Loh—r gksxkA ;g u, fodYi vkèkkfjr iathdj.k
lhvkj, ç.kkyh ds v‚uykbu çR;kgj.k eksMîwy • vkèkkjlhÇMx
esa Hkh ykxw fd;s x, gSaA • vkèkkj ds ekè;e ls irk cnyuk
1- vfHknkrk dh fodykaxrk ;k v{kerk • vfHknkrk }kjk QksVks vkSj gLrk{kj viMsV
ds dkj.k gksus okys fpfdRldh; rFkk djuk
vkdfLed [kpks± dks iwjk djus gsrqA • vfHknkrk }kjk ukfefr fooj.k viMsV
2- vfHknkrk }kjk dkS”ky fodkl@ iqu% djuk
dkS”ky ;k vU; dksà Lo&fodkl • vfHknkrk }kjk Loçek.ku çR;kgj.k
fØ;kdykiksa ds [kpks± ds fy,A • la”kksf/kr ,Q,D;wt+ tkjh fd;s x,(
3- vfHknkrk }kjk Lo&m|e LFkkfir djus • dsUnz ljdkj {ks= ¼lhth½ vkSj dsUnzh;
;k u, m|eksa dh “kq#vkr djus gsrq [kpks± Lok;Rr fudk; ¼lh,cht+½
dks ds fy,A • jkT; ljdkj {ks= ¼,lth½ vkSj jkT;
• ih,QvkjMh, dh lykg vkSj mPpre U;k;ky; Lok;Rr fudk; ¼,l,cht+½
ds vkns”k fnukad 26 flrEcj] 2018 ¼dsokÃlh • jk’Vªh; isa”ku iz.kkyh ls dkWiksZjsV {ks=
lsokvksa ds fy, vkèkkj ij jksd½ ds vkèkkj ij] vfHknkrkvksa lfgr ukxfjdksa }kjk fudkl
,uih,l ds rgr fofHkUu vkèkkj vkèkkfjr lsok,a • ,uih,l ykbV vkSj Lokoyacu vfHknkrkvksa
tSlk fd uhps fn;k x;k gS lhvkj, ç.kkyh esa 1 }kjk jk’Vªh; isa”ku iz.kkyh ls fudkl
fnlEcj 2018 ls can dj nh xà gSaA ;g lsok,a
,uih,l eksckby ,i esa Hkh vfHknkrkvksa ds fgrksa
dh j{kk ds fy, can dj nh xà gSaA
104okf"kZd fjiksVZ | 2018-19
vuqyXud
I
rkfydk la[;k- % fofHkUu forj.k pSuyksa }kjk ,ihokà esa iath—r vfHknkrk ¼çkutkjh fd;k x;k½
I
cSad dh Jsf.k;ka * 31] ekpZ 2016 31] ekpZ 2017 31] ekpZ 2018 31]ekpZ 2019 rd
dh frfFk rd ds dh frfFk rd ds dh frfFk rd ds ds vuqlkj
vuqlkj vuqlkj vuqlkj
lkoZtfud {ks= cSad 1]693]190 3]047]273 6]553]397 10]719]758
futh cSad 218]086 497]323 873]901 1]145]289
y?kq foÙk cSad & & & 9]190
isesaV cSad & & & 48]182
{ks=h; xzkeh.k cSad 476]373 1]115]257 1]987]176 3]171]152
ftyk dk&vksijsfVo cSad 21]222 29]791 33]880 38]863
jkT; dk&vksijsfVo cSad 354 680 805 1]053
vcZu dks&vksijsfVo cSad 327 3]507 10]936 14]469
Mhvksih 75]343 189]998 245]366 270]329
dqy 2]484]895 4]883]829 9]705]461 15]418]285
lzksr% lhvkj,&,u,lMh,y
31 ekpZ 2019 rd ds vuqlkj 1-54 djksM+ vfHknkrk ,ihokà ds rgr iath—r gq,A
06 ih,lcht+ ¼bafM;u cSad] vkUèkzk cSad] dsujk cSad] cSad v‚Q cM+ksnk] lsaVªy cSad v‚Q bafM;k ,aM fot;k cSad½
us foÙk o’kZ 2018&19 ds fy, ,ihokà y{; dks çkIr fd;kA
27 vkjvkjcht+ ¼cM+ksnk mÙkj çns”k xzkeh.k cSad] dkosjh cSad] bykgkckn ;wih xzkeh.k cSad] iYyou xzkeh.k
xzkeh.k cSad] f=iqjk xzkeh.k cSad] fcgkj xzkeh.k cSad] cSad] dsjy xzkeh.k cSad] eè;kapy xzkeh.k cSad] pSrU;
vkUèkzk çns”k xzkeh.k fodkl cSad] egkjk’Vª xzkeh.k cSad] xksnkojh xzkeh.k cSad] vkaèkz çxfr xzkeh.k cSad] pSrU;
fonHkZ dksad.k xzkeh.k cSad] dukZVd fodkl xzkeh.k cSad] xksnkojh xzkeh.k cSad] loZ ;wih xzkeh.k cSad] iqnqoÃ
çxfr —’.kk xzkeh.k cSad] cM+ksnk xqtjkr xzkeh.k cSad] “kÆFkvj xzkek cSad us foÙk o’kZ 2018&19 ds fy,
çFkek cSad] dk”kh xkserh la;qr xzkeh.k cSad] mÙkc±xk ,ihokà y{; çkIr fd;kA
{ks=h; xzkeh.k cSad] eè; fcgkj xzkeh.k cSad] xzkeh.k cSad
futh cSadksa ds ekeys esa dukZVd cSad fyfeVsM us foÙk
v‚Q vk;kZorZ] cM+ksnk jktLFkku {ks=h; xzkeh.k cSad]
o’kZ 2018&19 ds fy, ,ihokà y{; çkIr fd;kA
iatkc xzkeh.k cSad] iwok±py cSad] mÙkjk[kaM xzkeh.k
105vPuaqrytx-IuV
I
rkfydk la[;k % çeq[k cSadksa dk çn’kZu
II
Ø-la- ,ihokà lsokçnkrk dk fnukad 31-03- 31-03-2019 cSadksa dks fn,
uke 01-04-2018 ls 2019 rd ds rd ds vuqlkj x, okÆ"kd
31-03-2019 vuqlkj lfØ; vkSlr ,ihokà y{; ¼60 [kkrs
rd [kksys x, 'kk[kk dh [kkrs @’kk[kk çfr 'kk[kk½
[kkrs la[;k ¼2018&19½
1 bafM;u cSad 234160 2710 86 60
2 vkaèkz cSad 218252 2887 76 60
3 dsujk cSad 431633 6094 71 60
4 cSad v‚Q cM+ksnk 365885 5445 67 60
5 lsaVªy cSad v‚Q bafM;k 296219 4672 63 60
6 fot;k cSad 115792 1898 61 60
7 ;wukbVsM cSad v‚Q cSad 114689 2019 57 60
8 cSad v‚Q bafM;k 278760 5080 55 60
9 bykgckn cSad 171433 3241 53 60
10 vksfj,.Vy cSad v‚Q d‚elZ 104064 2387 44 60
11 nsuk cSad 74682 1765 42 60
12 Hkkjrh; LVsV cSad 915550 21638 42 60
13 ;wfu;u cSad v‚Q bafM;k 172765 4138 42 60
14 vkÃMhchvkà cSad fyfeVsM 72498 1856 39 60
15 ÇlfMdsV cSad 129927 4039 32 60
16 bafM;u vksojlht+ cSad 101775 3380 30 60
17 iatkc vkSj Çlèk cSad 39964 1530 26 60
18 ;qdks cSad 78677 3107 25 60
19 ,pMh,Qlh cSad fyfeVsM 106569 4884 22 60
20 cSad v‚Q egkjk’Vª 39173 1844 21 60
21 ,fDll cSad 71576 3672 19 60
22 iatkc us”kuy cSad 102154 6478 16 60
23 d‚iksZjs”ku cSad 37111 2443 15 60
24 vkÃlhvkÃlhvkà cSad 46661 4191 11 60
fyfeVsM
25 tEew vkSj d”ehj cSad 1296 915 1 60
fyfeVsM
dqy 4321265 102313
106okf"kZd fjiksVZ | 2018-19
rkfydk la[;k % vkjvkjcht+ dk çn’kZu
III
{ks=h; xzkeh.k cSad
Ø-la- ,ihokà lsokçnkrk dk uke fnukad 01-04-2018 31-03-2019 rd 31-03-2019 cSadksa dks fn, x,
fnukad31-03-2019 lfØ; 'kk[kk,a rdvkSlr ,ihokà okÆ"kd y{; ¼50
rd [kksys x, [kkrs@’kk[kk [kkrs çfr 'kk[kk½
,ihokà [kkrksa ¼2018&19½
1 cM+ksnk mÙkj çns”k xzkeh.k cSad 110431 924 120 50
2 dkosjh xzkeh.k cSad 53705 499 108 50
3 f=iqjk xzkeh.k cSad 15820 148 107 50
4 fcgkj xzkeh.k cSad 39873 376 106 50
5 vkaèkz çns”k xzkeh.k fodkl cSad 79173 774 102 50
6 egkjk’Vª xzkeh.k fodkl cSad 35501 410 87 50
7 fonHkkZ dksad.k xzkeh.k cSad 27583 325 85 50
8 dukZVd fodkl xzkeh.k cSad 51723 639 81 50
9 çxFkh —’.kk xzkeh.k cSad 50989 657 78 50
10 cM+ksnk xqtjkr xzkeh.k cSad 18434 246 75 50
11 çFkek cSad 30320 413 73 50
12 dk”kh xkserh le;qr xzkeh.k cSad 32948 459 72 50
13 mÙkjcaxk {ks=h; xzkeh.k cSad 9896 142 70 50
14 eè; fcgkj xzkeh.k cSad 45741 702 65 50
15 xzkeh.k cSad v‚Q vk;ZorZ 42822 702 61 50
16 cM+ksnk jktLFkku {ks=h; xzkeh.k 50255 840 60 50
cSad
17 iatkc xzkeh.k cSad 16829 285 59 50
18 iwok±py cSad 33969 598 57 50
19 mÙkjk[kaM xzkeh.k cSad 15809 286 55 50
20 bykgckn ;wih xzkeh.k cSad 35863 654 55 50
21 iYyou xzkeh.k cSad 15388 289 53 50
22 dsjy xzkeh.k cSad 33224 633 52 50
23 eè;kupy xzkeh.k cSad 23768 454 52 50
24 pSrU;k xksnkokjh xzkeh.k cSad 10870 210 52 50
25 vkaèkzk çxFkh xzkeh.k cSad 28510 551 52 50
26 loZ ;wih xzkeh.k cSad 26829 522 51 50
27 iqnqokà HkÆFkvj xzkek cSad 2131 43 50 50
28 mRdy xzkeh.k cSad 21716 441 49 50
29 lryst xzkeh.k cSad 2060 42 49 50
30 lsaVªy eè; çns”k xzkeh.k cSad 20272 456 44 50
31 yaxihnsgkaxh #jy cSad 2351 59 40 50
32 mÙkj fcgkj xzkeh.k cSad 34722 1033 34 50
107vPuaqrytx-IuV
I
{ks=h; xzkeh.k cSad
Ø-la- ,ihokà lsokçnkrk dk uke fnukad 01-04-2018 31-03-2019 rd 31-03-2019 cSadksa dks fn, x,
fnukad31-03-2019 lfØ; 'kk[kk,a rdvkSlr ,ihokà okÆ"kd y{; ¼50
rd [kksys x, [kkrs@’kk[kk [kkrs çfr 'kk[kk½
,ihokà [kkrksa ¼2018&19½
33 fgekpy çns”k xzkeh.k cSad 8540 265 32 50
34 rsyaxkuk xzkeh.k cSad 13291 414 32 50
35 oukZpy xzkeh.k cSad 6440 203 32 50
36 jktLFkku e#èkjk xzkeh.k cSad 22025 701 31 50
37 nsuk xqtjkr xzkeh.k cSad 7623 243 31 50
38 lIrkfxjh xzkeh.k cSad 6415 213 30 50
39 mM+hlk xzkE;k cSad 15308 549 28 50
40 ueZnk >kcqvk xzkeh.k cSad 10727 408 26 50
41 >kj[k.M xzkeh.k cSad 6257 239 26 50
42 ikaMîu xzkek cSad 7981 335 24 50
43 tEew vkSj d”ehj xzkeh.k cSad 4753 217 22 50
44 if”pe caxk xzkeh.k cSad 3648 230 16 50
45 lkSjk’Vª xzkeh.k cSad 3772 260 15 50
46 vle xzkeh.k fodkl cSad 5208 413 13 50
47 ekyok xzkeh.k cSad 1116 89 13 50
48 caxh;k xzkeh.k fodkl cSad 6897 587 12 50
49 NÙkhlx<+ jkT; xzkeh.k cSad 6108 610 10 50
50 fetksje xzkeh.k cSad 821 85 10 50
51 ef.kiqj xzkeh.k cSad 226 25 9 50
52 loZ gfj;k.kk xzkeh.k cSad 4776 654 7 50
53 es?kky; xzkeh.k cSad 350 93 4 50
54 v#.kkpy çns”k xzkeh.k cSad 55 29 2 50
55 ukxkySaM xzkeh.k cSad 2 11 0 50
56 Ãykdqvkà nsgkrh cSad eq[; 23 139 0 50
dk;kZy;
dqy 1161887 21824
108okf"kZd fjiksVZ | 2018-19
rkfydk la[;k % futh cSadks dk izn’kZu
IV
Ø- ,ihokà lsok çnkrk fnukad 01-04- 31-03-2019 31-03-2019 cSadksa dks
la- 2019 ls 31-03- rd ds vuqlkj ls vkSlr fn;k x;k
2019 rd ds lfØ; 'kk[kk ,ihokà okÆ"kd y{;
vuqlkj [kksys [kkrs@’kk[kk ¼25 [kkrs
x, [kkrs ¼2018&19½ çfr 'kk[kk½
1 dukZVd cSad fyfeVsM 20496 835 25 25
2 flVh ;wfu;u cSad fyfeVsM 3738 648 6 25
3 vkÃMh,Qlh cSad fyfeVsM 1101 203 5 25
4 rfeyukM ejdsuVkby cSad çkbosV fyfeVsM 2177 509 4 25
5 n lkmFk bafM;u cSad fyfeVsM 3320 915 4 25
6 d#j O;S”;k cSad fyfeVsM 2791 792 4 25
7 èkuy{eh cSad fyfeVsM 701 266 3 25
8 dksVsd eÇgæk cSad 2975 1487 2 25
9 n QsMjy cSad fyfeVsM 2306 1250 2 25
10 vkjch,y cSad fyfeVsM 368 244 2 25
11 n uSuhrky cSad fyfeVsM 107 135 1 25
12 caèku cSad fyfeVsM 654 938 1 25
13 ;sl cSad fyfeVsM 320 844 0 25
14 n dSFkksfyd lhfj;u cSad fyfeVsM 132 426 0 25
15 n y{eh foykl cSad fyfeVsM 118 542 0 25
16 Mhlhch cSad fyfeVsM 11 198 0 25
17 baMlbaM cSad fyfeVsM 29 745 0 25
18 flVh cSad 0 0 0 25
19 LVS.MMZ pkVZMZ cSad 0 100 0 25
dqy 41344 11077
109vPuaqyrtx-IuV
I
rkfydk la[;k % y?kq foRr cSad
V
,ihokà lsok çnkrkvksa 'kk[kkvksa dh la[;k 01-04-2018 ls vkSlr [kkrs foÙk o"kZ 2018&19
dk uke 31-03-2019 rd çfr 'kk[kk ds fy, çfr 'kk[kk
[kksys x, [kkrksa y{;
dh la[;k
Ã,l,,Q Leky Qkbusal 356 9190 26 50
cSad fyfeVsM
rkfydk la[;k % iseSaV cSad
VI
,ihokà lsok çnkrkvksa 'kk[kkvksa 01-04-2018 ls vkSlr [kkrs çfr foÙk o"kZ 2018&19
dk uke dh la[;k 31-03-2019 rd 'kk[kk ds fy, y{;çfr
[kksys x, [kkrksa 'kk[kk
dh la[;k
isVh,e isesaV cSad fyfeVsM 1 48182 48182 10000
110okf"kZd fjiksVZ | 2018-19
rkfydk la[;k % Mkd foHkkx ¼Mhvksih½ dk izn’kZu & jkT; {ks=kuqlkj
VII
Ø- {ks= dk uke 2015&2016* esa 2016&2017* esa 2017&2018* esa foÙk o"kZ
la- çku x.kuk çku x.kuk çku x.kuk 2018&2019# esa
[kksys x, ,ihokÃ
[kkrs
1 iatkc ¼paMhx<+ lfgr½ 2]802 14]521 8]997 3]090
2 jktLFkku 30]889 24]711 9]762 1]766
3 egkjk’Vª ¼xksok lfgr½ 22]386 16]130 4]405 4]008
4 rfeyukMw ¼iqnqpsjh½ 2]763 23]867 5]670 2]913
5 dukZVd 5]842 8]104 8]774 3]460
6 gfj;k.kk 792 757 129 48
7 rsyaxkuk 1]331 2]301 1]416 291
8 vkaèkzçns”k 1]683 1]979 760 542
9 mÙkjk[kaM ¼mÙkjk¡py ds #i esa½ 1]580 8]381 3]363 672
10 vle 200 703 443 77
11 xqtjkr 2]189 4]130 3]305 1]044
12 if”pe caxky ¼flfôe lfgr½ 165 2]888 1]127 733
13 tEew vkSj d”ehj 111 42 7 31
14 fnYyh 22 1]096 725 1]527
15 >kj[k.M 182 134 1]401 184
16 mM+hlk 216 445 467 393
17 eè; çns”k 177 468 240 245
18 fcgkj 98 595 1]523 392
19 mÙkjçns’k 1]390 824 463 165
20 mÙkjiwoÊ ¼v#.kkpy çns”k] ef.kiqj] 116 56 31 8
es?kky;] fetksje] es?kky;] fetksje]
ukxkySaM vkSj f=iqjk½
21 NÙkhlx<+ 39 866 396 168
22 fgekpy çns”k 315 764 789 349
23 dsjy 54 893 1]175 2]857
dqy 75]342 1]14]655 55]368 24]963
*lfØ; vkSj fuf’Ø; çku lfgr
# dsoy lfØ; çku
111vPuaqyrtx-IuV
II
vuqyXud
II
rkfydk&A % 31 ekpZ] 2019 rd ds vuqlkj ,uih,l ds rgr ,u,lMh,y&lhvkj, ds lkFk
iath—r mifLFkfr vfLrRo dh lwph
Ø-la- mifLFkfr vfLrRoksa ds uke dqy iath—r ihvksih&,lih
1 vfHkçk dSfiVy fyfeVsM 69
2 vya—r vlkbuesaV~l fyfeVsM 288
3 bykgkckn cSad 2]046
4 vkUèkzk cSad 1]766
5 ,atsy czksÇdx çkbosV fyfeVsM 1
6 vfjgar dSfiVy ekdsZV~l fyfeVsM 1
7 vflr lh esgrk bUosLVesaV baVjehMh,V~l fyfeVsM 1
8 ,fDll cSad fyfeVsM 3]536
9 ctkt dSfiVy fyfeVsM 83
10 cSad v‚Q cM+ksMk 5
11 cSad v‚Q bafM;k 5
12 cSad v‚Q+ egkjk’Vª 1]851
13 dSujk cSad 3]569
14 lsaVªy cSad v‚Q+ bafM;k 4]647
15 daI;wVj ,t eSustesaV lÆolst çkbosV fyfeVsM 227
16 dksiksZjs”ku cSad 2]292
17 lh,llh Ã&xous±l lÆolst bafM;k fyfeVsM 1
18 nk;dks flD;ksfjVht+ çkbosV fyfeVsM 29
19 Mhch,Q,l flD;ksfjVht+ fyfeVsM 1
20 nsuk cSad 1]449
21 ,ykbV osYFk ,MokÃtjl fyfeVsM 1
22 Ã,l,Q Leky Qkbusal cSad fyfeVsM 144
23 ;wjsdk LV‚d ,aM “ks;j czksÇdx lÆolst fyfeVsM 11
24 fQufot+kMZ VsDuksy‚th çkbosV fyfeVsM 1
25 xqtjkr bUQksVsd fyfeVsM 4
26 ,pMh,Qlh cSad fyfeVsM 3
27 ,pMh,Qlh isa”ku eSustesaV daiuh fyfeVsM 1
28 ,pMh,Qlh flD;ksfjVht fyfeVsM 2
29 vkÃlhvkÃlhvkà cSad fyfeVsM 1]564
30 vkÃlhvkÃlhvkà çwMsaf”k;y isa”ku Q.M esustesaV &
31 vkÃlhvkÃlhvkà flD;ksfjVht fyfeVsM 34
32 vkÃMhchvkà cSad fyfeVsM 1]891
33 vkÃ,y ,aM ,Q,l flD;ksfjVht lÆolst fyfeVsM 37
34 bafM;k bUQksykbu Qkbusal fyfeVsM 1
35 bafM;k iksLV ,uih,l uksMy v‚fQl 808
36 bafM;u cSad 1]834
112okf"kZd fjiksVZ | 2018-19
37 bafM;u vksojlhl cSad 3]282
38 baMlbaM cSad fyfeVsM 805
39 baVhxzsVsM baVjçkbtst+ ¼bafM;k½ çkbosV fyfeVsM 121
40 dukZVd cSad fyfeVsM 801
41 dkoÊ LV‚d czksÇdx fyfeVsM 8
42 dksVd eÇgæk cSad fyfeVsM 844
43 ,yvkÃlh,p,Q,y Qkbusaf”k;y lÆolst fyfeVsM 1
44 ekjokM+h “ks;lZ ,aM Qkbusal fyfeVsM 80
45 eksukdZ usVoFkZ dSfiVy fyfeVsM 1
46 eqFkqB Qkbusal fyfeVsM 33
47 ukjuksfy;k flD;ksfjVht fyfeVsM 1
48 ,uts bafM;k bUosLVçkbosV fyfeVsM 1
49 vksfj,.Vy cSad v‚Q+ d‚elZ 985
50 isVh,e isesaV~l cSad fyfeVsM 1
51 çwMsaV d‚iksZjsV ,Mokbtjh lÆolst fyfeVsM 1
52 iatkc vkSj Çlèk cSad 914
53 iatkc us”kuy cSad 6]987
54 vkjch,y cSad fyfeVsM 201
55 fjyk;al dSfiVy fyfeVsM 140
56 jsfyxs;j czksÇdx fyfeVsM 13
57 ,lchvkà dSi flD;ksfjVht+ fyfeVsM 1
58 ,l,elh Xykscy flD;ksfjVht fyfeVsM 27
59 Hkkjrh; LVsV cSad 22]640
60 LVhy flVh flD;ksfjVht fyfeVsM 48
61 LV‚d gksÇYMx dksiksZjs”ku v‚Q bafM;k fyfeVsM 232
62 ÇlfMdsV cSad 3]501
63 rfeyukM eds±Vkby cSad fyfeVsM 510
64 nQsMjy cSad fyfeVsM 1]073
65 n d#j oS;”;k cSad fyfeVsM 710
66 n y{eh foykl cSad fyfeVsM 542
67 n lkmFk bafM;u cSad fyfeVsM 918
68 ;wdks cSad 1]851
69 ;wfu;u cSad v‚Q bafM;k 3]872
70 ;wukbVsM cSad v‚Q bafM;k 1]117
71 ;wVhvkà vlsV eSustesaV daiuh fyfeVsM 152
72 osaV;wjk flD;ksfjVht fyfeVsM 1
73 fot;k cSad 1]247
74 osVw osYFk czksdlZ çkbosV fyfeVsM 3
75 ;l cSad fyfeVsM 86
76 tsu flD;ksfjVht fyfeVsM 27
dqy 81]981
113vPuaqyrtx-IuV
II
rkfydk&AA % 31ekpZ2019 rd ds vuqlkj ,uih,lds rgr
dkoÊ&lhvkj, ds lkFk iath—r mifLFkfr vfLrRoksa dh lwphA
Ø-la- ihvksihds uke iath—r ihvksih&,lih dh la[;k
1 vfHkçk dSfiVy fyfeVsM 69
2 vyafdr vlkbuesaV~l fyfeVsM 288
3 bykgkckn cSad 2]046
4 vkaèkzkcSad 1]766
5 ,atsy czksÇdx çkbosV fyfeVsM 1
6 vfjgar dSfiVy ekdsZV~l fyfeVsM 1
7 vflV lh esgrk bUosLVesaV baVjehfM,V~l fyfeVsM 1
8 ,fDllcSad fyfeVsM 3]536
9 ctkt dSfiVy fyfeVsM 83
10 cSad v‚Q cM+ksMk 5
11 cSad v‚Q bafM;k 5
12 cSad v‚Q egkjk’Vª 1]851
13 dsujk cSad 3]569
14 lsaVªy cSad v‚Q bafM;k 4]647
15 daI;wVj,t eSustesaV lÆolst çkbosV fyfeVsM 227
16 dksiksZjs”ku cSad 2]292
17 lh,llhÃ&xous±l lÆolst bafM;k fyfeVsM 1
18 nk;dks flD;ksfjVht çkbosV fyfeVsM 29
19 Mhch,Q,l flD;ksfjVht fyfeVsM 1
20 nsuk cSad 1]449
21 ,ykbV osYFk ,Mokbt+lZ fyfeVsM 1
22 Ã,l,,Q Leky Qkbusal cSad fyfeVsM 144
23 ;wjsdk LV‚d ,aM “ks;j czksÇdx lÆolst fyfeVsM 11
24 fQufot+kMZ Vsduksyksth çkbosV fyfeVsM 1
25 xqtjkr bUQksVsd fyfeVsM 4
26 ,pMh,Qlh cSad fyfeVsM 3
27 ,pMh,Qlh isa”ku eSustesaV daiuh fyfeVsM 1
28 ,pMh,Qlh flD;ksfjVht fyfeVsM 2
29 vkÃlhvkÃlhvkà cSad fyfeVsM 1]564
30 vkÃlhvkÃlhvkà çwMsaf”k;y isa”ku QaM~l eSustesaV daiuh fyfeVsM &
31 vkÃlhvkÃlhvkà flD;ksfjVht fyfeVsM 34
32 vkÃMhchvkà cSad fyfeVsM 1]891
33 vkÃ,y ,aM ,Q,l flD;ksfjVht lÆolst fyfeVsM 37
34 bafM;k bUQksykbu Qkbusal fyfeVsM 1
35 bafM;k iksLV ,uih,l uksMy v‚fQl 808
36 bafM;u cSad 1]834
37 bafM;u vksojlht cSad 3]282
114okf"kZd fjiksVZ | 2018-19
38 baMlbaM cSad fyfeVsM 805
39 baVhxzsVsM ,aVjçkÃtst+ ¼bafM;k½ çkbosV fyfeVsM 121
40 dukZVd cSad fyfeVsM 801
41 dkoÊ LV‚d czksÇdx fyfeVsM 8
42 dksVsd eÇgæk cSad fyfeVsM 844
43 ,yvkÃlh ,p,Q,y Qkbusaf”k;y lÆolst fyfeVsM 1
44 ekjokM+h “ks;lZ ,aM Qkbusal fyfeVsM 80
45 eksukdZ usVoFkZ dSfiVy fyfeVsM 1
46 eqFkwV Qkbusal fyfeVsM 33
47 ukjuksfy;k flD;ksfjVht fyfeVsM 1
48 ,uth bafM;k bUosLV çkbosV fyfeVsM 1
49 vksfj,.Vy cSad v‚Q d‚elZ 985
50 isVh,e isesaV~l cSad fyfeVsM 1
51 çqMsaV d‚iksZjsV ,Mokbt+jh lÆolst fyfeVsM 1
52 iatkc ,aM Çlèk cSad 914
53 iatkc us”kuy cSad 6]987
54 vkjch,y cSad fyfeVsM 201
55 fjyk;al dSfiVy fyfeVsM 140
56 jsfyxs;j czksÇdx fyfeVsM 13
57 ,lchvkà dSi flD;ksfjVht+ fyfeVsM 1
58 ,l,elh Xykscy flD;ksfjVht fyfeVsM 27
59 Hkkjrh; LVsV cSad 22]640
60 LVhy flVh flD;ksfjVht+ fyfeVsM 48
61 LV‚d gksÇYMx dkjiksj”ku v‚Q+ bafM;k fyfeVsM 232
62 ÇlfMdsV cSad 3]501
63 rfeyukM eds±Vkby cSad fyfeVsM 510
64 n QsMjy cSad fyfeVsM 1]073
65 n d#j oS;”;k cSad fyfeVsM 710
66 n y{eh foykl cSad fyfeVsM 542
67 n lkmFk bafM;u cSad fyfeVsM 918
68 ;qdks cSad 1]851
69 ;wfu;u cSad v‚Q bafM;k 3]872
70 ;wukbVsM cSad v‚Q bafM;k 1]117
71 ;qVhvkà ,lsV eSustesaV daiuh fyfeVsM 152
72 osaVîqjk flD;ksfjVht+ fyfeVsM 1
73 fot;k cSad 1]247
74 os2osYFk czksdlZ çkbosV fyfeVsM 3
75 ;sl cSad fyfeVsM 86
76 t+su flD;ksfjVht+ fyfeVsM 27
dqy 81]981
115vPuaqyrtx-uIV
III
vuqyXud
III
rkfydk la[;k&A % 31 ekpZ2019 rd ds vuqlkj ,uih,l ds rgr ihvksiht+¼ladyudrkZ½ dh lwph
Ø-la- ihvksih dk uke iath—r 'kk[kkvksa dh la[;k ¼,u,ylhlh½
1 ,-ih fcÇYMx ,aM vnj daLVªD”ku odZlZ osyQs;j cksMZ 27
2 vfHkçk dSfiVy fyfeVsM 36
3 vfèkdkj ekbØks Qkbusal çkbosV fyfeVsM 1
4 vyafdr vlkbuesaV~l fyfeVsM 56
5 bykgkckn cSad 301
6 bykgkckn ;qih xzkeh.k cSad 116
7 vkaèkzk cSad 151
8 vle xzkeh.k fodkl cSad 375
9 caèku cSad fyfeVsM 10
10 cukldaFkk fMfLVªDV dks&vksi feYd çksMîwllZ ;wfu;u fyfeVsM mited 1]954
11 caèku dksUu ukxj 1
12 cSad v‚Q cM+ksnk 2
13 cSad v‚Q egkjk’Vª 729
14 cM+ksnk xqtjkr xzkeh.k cSad 25
15 cM+ksnk jktLFkku {ks=h; xzkeh.k cSad 72
16 fcÇYMx ,aM vnj daLVªD”ku odZlZ osyQs;j cksMZ jktLFkku 33
17 chMCY;wMh, Qkbusal fyfeVsM ¼ch,Q,y½ 39
18 dsujk cSad 3]081
19 dS”kiksj ekbØks ØsfMV gsM v‚fQl 343
20 lsaVj Q‚j MsoyiesaV vksfj,aVs’ku ,aM VªsÇux ¼lhM‚V½ 52
21 ØsfMV ,Dlsl xzkeh.k fyfeVsM 94
22 lh,llh Ã&xous±l lÆolst bafM;k fyfeVsM 32]211
23 nsuk cSad 11
24 efgyk ,oa cky fodkl foHkkx 212
25 Ã,l,,Q Leky Qkbusal cSad fyfeVsM 246
26 xqtjkr bUQksVsd fyfeVsM 2
27 vkÃMhchvkà cSad fyfeVsM 50
28 vkÃ,Q,evkj Qkbusal lÆolst çkbosV fyfeVsM 4]510
29 bafM;u cSad&cSaÇdx vksijs”kal fMikVZesaV 779
30 bafM;u vksojlht cSad 64
31 bUnqj bfUrnhie eSDl QsMjs”ku fyfeVsM 15
32 tkuk Leky Qkbusal cSad fyfeVsM 237
33 >kj[k.M fcÇYMx ,aM vnj daLVªD”ku odZlZ osyQs;j cksMZ jkaph 36
34 dukZVd LVsV vuvkxZukbTM odZlZ lk”ky flD;ksfjVh cksMZ] cSaxyksj 1]040
35 ,yvkÃlh gkmÇlx Qkbusal fyfeVsM 79
116okf"kZd fjiksVZ | 2018-19
Ø-la- ihvksih dk uke iath—r 'kk[kkvksa dh la[;k ¼,u,ylhlh½
36 Hkkjrh; thou chek fuxe 65
37 eè; fcgkj xzkeh.k cSad 331
38 vksfj,.Vy cSad v‚Q d‚elZ 219
39 iatkc us”kuy cSad 441
40 lafgrk dE;qfuVh MsoyiesaV lÆolst 1
41 loZgfj;k.kk xzkeh.k cSad 466
42 Jh {ks= èkeZLFky #jy MsosyiesaV çkstsDV 123
43 Jh efgyk lsok lgdkjh cSad fyfeVsM 10
44 lkslkbVh Q‚j ,fyfeus”ku v‚Q #jy ikoVÊ 22
45 Hkkjrh; LVsV cSad 17]950
46 Lokoyacu&,u l &
47 Lo;aJh ekbØks ØsfMV lÆolst 45
48 ÇlfMdsV cSad 151
49 n lkmFk bafM;u cSad fyfeVsM ekdsZÇVx fMikVZesaV ,uih,l lsy 631
50 ;qdkscSad 28
51 ;wukbVsM cSad v‚Q bafM;k 215
52 fot;k cSad 560
dqy 68]248
117vPuaqyrtx-uIV
IV
vuqyXud
IV
iquxZfBr isa’ku lykgdkj lfefr fuEukuqlkj gS %
1- eq[; egkçcaèkd] xouZesaV fct+usl ;wfuV] Hkkjrh; LVsV cSad] uà fnYyh
2- çcaèkd funs”kd vkSj lhÃvks] ,u,lMh,y Ã&xous±l bUÝkLVªdpj fyfeVsM
3- dk;Zdkjh funs”kd ¼fjVsy cSaÇdx½] ,fDll cSad
4- miegkys[kk fu;a=d ¼rduhdh lykg½] O;; foHkkx] foÙk ea=ky;
5- eq[; dk;Zdkjh vfèkdkjh vkSj iw.kZdkfyd funs”kd] ;wVhvkà fjVk;jesaV lksY;w”kal fyfeVsM
6- eq[; dk;Zdkjh vfèkdkjh] ,pMh,Qlh isa”ku eSustesaV daiuh fyfeVsM
7- mikè;{k vkSj gsMdLVksfM;y lÆolst] LV‚d gksÇYMx d‚iksZjs”ku v‚Q bafM;k fyfeVsM
8- Jh fnus”k iar] Hkkjrh; thou chek fuxe ds fu;qä chekadd
9- vè;{k] ,uih,l U;kl
10- funs”kd] us”kuy bafLVVîwV v‚Q cSad eSustesaV] iq.ks
11- M‚- js.kqdk lkus] ,lksfl,V çksQslj] us”kuy bafLVVîwV v‚Q ifCyd Qkbusal ,aM ikfylh ¼,uvkÃih,Qih½
12- Jh dqyhu iVsy] ofj’B chekadd vkSj funs”kd & DykbaV vdkmaV eSustesaV] VkolZokVlu] xqMxk¡o
13- vè;{k] baLVhVîwV v‚Q ,Dpqjht+ v‚Q bafM;k
14- eq[; dk;Zdkjh vfèkdkjh] phQ ,XthD;wfVo v‚fQlj fQDLM bude euh ekÆdV ,aM MsfjosfVOl ,lksfl,”ku
v‚Q bafM;k
15- milfpo ¼LFkkiuk&AA½] dkÆed vkSj çf”k{k.k foHkkx
16- funs”kd ¼ ½] Mkd foHkkx] uà fnYyh
A/Cs
17- Jh jktho diwj] dk;Zdkjh funs”kd&xzqi ,pvkj,e ÇeMk baMLVªht fyfeVsM fjçstsaÇVx lhvkÃvkÃ
18- eq[; dk;Zdkjh& bafM;u cSaDl ,lksfl,”ku
19- funs”kd] ctV] foÙk foHkkx] Hkksiky] eè;çns”k ljdkj
çkfèkdj.k ds vè;{k vkSj lnL;] isa”ku lykgdkj lfefr ds insu vè;{k vkSj insu lnL; gSaA
118okf"kZd fjiksVZ | 2018-19
vuqyXud V
¼fu;e 3 ¼d½ ns[ksa½
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
31 ekpZ 2019 dks rqyu i= ds #i esa
¼bdkbZ&Hkkjrh; #i;k½
nsunkfj;ka lwph ekStwnk o"kZ iwoZ o"kZ laifÙk lwph ekStwnk o"kZ iwoZ o"kZ
1- dks’k@iwath HkaMkj 1 55]46]76]869 20]89]66]154 1- vPky laifÙk;ka 8
ldy CykWd 2]34]73]725 2]11]92]797
2-vkjf{kr vf/k”ks’k 2 - - de ewY;gzkl 1]47]66]875 1]29]39]764
dqy CykWd 87]06]849 82]53]032
3- fu/kkZfjr @ /kekZnk fuf/k 3 2]04]01]314 1]80]59]540
2- fu/kkZfjr@ cankscLrh 9 1]93]23]162 1]70]21]896
dks’k ls fuos”k
4- lqjf{kr _.k vkSj m/kkjh 4 - -
3 fuos”k&vU; 10 36]18]40]229 27]00]00]000
5- vlqjf{kr _.k vkSj m/ 5 - -
kkjh
4-ekStwnk ifjlaifÙk] 11 49]90]06]771 75]41]60]564
_.k] vfxze jkf”k vkfn
6- vkLFkfxr _.k vkSj 6 - -
nsunkfj;ka
5- fofo/k O;; ¼dqN - -
gn rd ugha fy[ks ;k
lek;ksftr fd, x,½
7- ekStwnk nsunkfj;ka vkSj 7 31]37]98]828 82]24]09]799
izko/kku
dqy 88]88]77]012 1]04]94]35]493 dqy 88]88]77]012 1]04]94]35]493
egRoiw.kZ ys[kkadu uhfr 24
vkdfLed ns;rk,a vkSj 25
ys[kk&tks[kk ij uksV~l
/;ku nsa%& d- rqyu i= esa vuqlwfp;ka [kkrs dk fgLlk gSaA
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
119vPuaqyrtx-IuV
V
vuqyXud V
¼fu;e 3 ¼[k½ ns[ksa½
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
01 vizSy 2018 ls 31 ekpZ 2019 rd dh vof/k ds fy, vk; vkSj O;; dk ys[kk&tks[kk
¼bdkbZ&Hkkjrh; #i;k½
[kpkZ lwph ekStwnk o"kZ iwoZ o"kZ vk; lwph ekStwnk o"kZ iwoZ o"kZ
1-LFkkiuk O;; 20 19]41]52]441 14]24]40]735 1- fcØh@lsokvksa ls vk; 12 & &
2- vU; iz”kklfud O;; 21 2]24]31]72]940 2]40]97]71]405 2- vuqnku@vuo`fÙk 13 1]77]99]37]800 2]25]75]78]000
vkfn
3-vuqnku lfClMh ij O;; 22 & & 3-“kqYd@lnL;rk 14 54]19]73]514 36]30]29]595
vkfn
4- C;kt 23 2]943 1]750 4-fuos”kksa ls vk; ¼fuèkkZfjr@ 15 & &
cankscLrh fuf/k ds gLrkarj.k
ls fuos”k ij vk;
5- ewY;gzkl ¼o’kZ ds var 20]57]488 16]94]998 5- jkW;YVh] izdk”ku vkfn 16 & &
esa dqy&vuqlwph 8 ds ls vk;
rnuqlkj½
6-vftZr C;kt 17 4]35]15]368 3]91]20]774
7-vU; vk; 18 2]26]525 2]45]759
8-rS;kj eky vkSj dke 19 - -
esa izxfr ds “ks;j esa
o`f)@¼deh½
dqy 2]43]93]85]811 2]55]39]08]888 dqy 2]36]56]53]207 2]65]99]74]128
'ks"k [kpZ ds eqdkcys vk; ¼7]37]32]604½ 10]60]65]240
ls vf/kd ¼fo’ks"k vkjf{kr
dks LFkkukarfjr ¼izR;sd
fufnZ"V½
lkekU; vkjf{kr dks@ls - -
LFkkukarfjr
“ks’k dk vf/k”ks’k nsuk@?kkVk ¼7]37]32]604½ 10]60]65]240
dks’k ds fy, vkxs Hkstk@
iwath dks’k
egRoiw.kZ ys[kkadu uhfr 24
vkdfLed ns;rk,a vkSj 25
ys[kk&tks[kk ij uksV~l
/;ku nsa%& d- rqyu i= esa vuqlwfp;ka [kkrs dk fgLlk gSaA
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
120okf"kZd fjiksVZ | 2018-19
vuqyXud V
¼fu;e 3 ¼x½ ns[ksa½
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
31 ekpZ 2019 dks lekIr gq, o’kZ ds fy, vk; vkSj O;; dk ys[kk&tks[kk
¼bdkbZ&Hkkjrh; #i;k½
Ø-la- && ekStwnk o"kZ iwoZ o"kZ Ø-la- Hkqxrku ekStwnk o"kZ iwoZ o"kZ
1- izkjafHkd 'ks"k jkf’k 1- [kpZ
d- udnh 20]000 20]000 d- LFkkiuk ij [kpZ 18]55]95]984 15]44]36]867
[k- cSad cSysal & & [k- ç”kklfud O;; 29]73]44]838 27]29]70]411
pkyw [kkrksa esa 2- mi;ksx fd, x, vuqnku & &
le; tek [kkrksa esa & & d- Lokoyacu ;ksxnku 18]18]55]819 34]84]88]000
cSad tek [kkrksa es 68]03]96]600 76]15]72]278 [k- Lokoyacu inksUufr 4]84]000 2]46]15]900
2- izkIr vuqnku x- jk’Vªh; isa”ku iz.kkyh U;kl dks vuqnku & &
d Hkkjr ljdkj dks ?k- ,ihokbZ va”knku 81]45]81]888 1]18]21]19]845
d- vuqnku lgk;rk osru 12]60]00]000 10]50]00]000 M- ,ihokbZ lao/kZu ,oa fodkl 1]09]49]45]670 44]86]67]343
[k- vuqnku&lgk;rk&lkekU; & 4]50]00]000 p- vuqnku dh okilh & &
x- vuqnku lgk;rk&Lokoyacu ;ksxnku 10]09]00]000 42]94]81]675 M- vU; & &
?k- vuqnku lgk;rk&Lokoyacu izksRlkgu vkSj fodkl 30]37]800 8]96]325 3- fuos”k vkSj tek fd, x,
xfrfof/k;ka
M- vuqnku lgk;rk ,ihokbZ va”knku 75]00]00]000 87]72]00]000 d- fu/kkZfjr@/kekZnk fuf/k ls ckgj 22]78]104 3]00]000
p- vuqnku lgk;rk ,ihokbZ lao/kZu ,oa fodkl 80]00]00]000 80]00]00]000 [k- Lo;a ds /ku ls ckgj ¼fuos”k & vU;½ 8]83]00]000 27]00]00]000
N- vU; & & 4- vpy laifÙk;ksa vkSj dke esa çxfr ij yxh
iawth ij O;;
[k- jkT; ljdkj ls & & d- vpy laifÙk;ksa dh [kjhn 4]41]518 7]89]671
d- vuqnku lgk;rk osru & & [k- dke esa çxfr iawth ij O;; & &
[k- vuqnku&lgk;rk &lkekU; & & 5- vf/k”ks’k iSls @ _.kksa dh okilh
x- vuqnku&lgk;rk&Lokoyacu ;ksxnku & & d- jk’Vªh; isa”ku iz.kkyh U;kl ls olwyh & &
?k- vuqnku lgk;rk&Lokoyacu & & [k- jkT; ljdkj dks & &
M- izksRlkgu vkSj fodkl xfrfof/k;ka vU; & & x- /ku ds vU; çnkrkvksa dks & &
x- foÙkh; laLFkkvksa ls & & 6- foÙk 'kqYd ¼C;kt½
3- fuos’k ij vk; d cSad “kqYd 2]943 592
d- fu/kkZfjr@cankscLrh /ku 12]25]042 20]868 [k- vU; & &
[k- Lofuos”k ¼vU; fuos”k½ - - 7- vU; Hkqxrku ¼fufnZ”V½
4- izkIr C;kt d- çhisM 11]61]179 18]11]050
d- cSad tekjkf”k;ksa ij 4]36]17]399 2]61]60]198 [k- _.k @ m/kkj deZpkfj;ksa ds fy, 2]50]000 2]44]000
[k- _.k] m/kkj vkfn - - x- vfxze jkf”k O;;ksa ds fo#) 4]86]04]303 5]33]48]792
x- vU; ¼_.k ij C;kt½ - - ?k- lqj{kk tek 4]78]000
5- vU; vk; ¼fufnZ"V½ 8- vafre “ks’k
d- okf’kZd “kqYd 44]27]52]732 36]13]45]095 d- udn 20]000 20]000
[k- fofo/k lsokvksa ls izkIr vk; 17]24]501 16]84]500 [k- cSad vfr”ks’k
x- fofo/k vk; 24]634 5]761 pkyw [kkrksa esa
6 m/kkj yh xbZ jkf’k - - le; tek [kkrksa esa
7 dksbZ Hkh vU; jlhn cpr cSad tek [kkrksa esa 26]81]40]459 68]03]96]600
d- lqj{kk @bZ,eMh jlhn - -
[k- m/kkj dh olwyh 3]31]35]430 2]99]62]218
x- laifÙk ds gLrkarj.k 1]42]145 50]283
?k- vfHknkrk f”k{kk vkSj laj{k.k fuf/k 10]30]423 2]87]870
dqy 2]98]40]06]705 3]43]86]87]071 dqy 2]98]40]06]705 3]43]86]87]071
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
121vuPqayrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 1
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
dks’k@iwath HkaMkj
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
“ks’k jkf”k o’kZ ds vkjaHk esa 20,89,66,154 17,56,81,330
tksM+s% viz;qDr dks’k fuf/k dh “kq#vkrh “ks’k jkf”k 66,17,79,686 58,89,99,270
de% viz;qDr dks’k fuf/k dh lekiu “ks’k jkf”k 24,23,36,366 66,17,79,686
tksM+s% ?kVk,a% “kq) vk; O;; dh “ks’k jkf”k tks vk; vkSj O;; [kkrs (7,37,32,604) 10,60,65,240
ls LFkkukarfjr dh xbZ gS
tksM+s% ljdkj }kjk izkIr gksus okyh ljdkjh vuqnku@vk; vkSj O;; - -
[kkrs ls LFkkukarfjr
Ok"kZ ds var esa 'ks"k jkf’k ds #i esa 55,46,76,869 20,89,66,154
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
122okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 2
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
HkaMkj vkSj vf/k”ks’k
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- iwath dks"k
d- o’kZ ds vkjaHk esa & &
[k- o’kZ ds nkSjku tksM+uk & &
x- de% o’kZ ds nkSjku dVkSrh & &
2- iquewZY;kadu vkjf{kr
d- o’kZ ds vkjaHk esa & &
[k- o’kZ ds nkSjku tksM+uk & &
x- de% o’kZ ds nkSjku dVkSrh & &
3- fo’ks"k vkjf{kr
d- o’kZ ds vkjaHk esa & &
[k- o’kZ ds nkSjku tksM+uk & &
x- de% o’kZ ds nkSjku dVkSrh & &
4- lkekU; vkjf{kr
d- o’kZ ds vkjaHk esa & &
[k- o’kZ ds nkSjku tksM+uk & &
x- de% o’kZ ds nkSjku dVkSrh & &
dqy & &
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
123vPuaqyrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 3
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
,eckdZM@v{k; fuf/k
¼bdkbZ&Hkkjrh; #i;k½
fooj.k vfHknkrk f’k{kk vkSj laj{k.k fuf/k
ekStwnk o"kZ iwoZ o"kZ
1- /ku dh izkjafHkd “ks’k jkf”k 1,80,59,540 1,64,05,649
2- /ku esa tksM+
¼d½ nku@vuqnku - -
¼[k½ /ku ds [kkrs esa fd,fuos”k ij vk; 13,11,351 13,66,021
¼x½ ,uih,l U;kl tqekZuk [kkrs vkSj ,uih,l U;kl fuos”kd - -
tkx#drk [kkrs esa LFkkukarj.k
¼?k½ o’kZ ds nkSjku jlhn 10,30,423 2,87,870
¼³½ vU; tksM+ ¼izÑfr fufnZ’V djsa½
dqy ¼1$2½ 2,04,01,314 1,80,59,540
3- fuf/k;ksa ds mn~ns”;ksa dh fn”kk esa mi;ksx@O;;
¼d½ iwathxr O;;
d- vpy laifÙk;k¡ - -
[k- vU; laifÙk;k¡ - -
dqy - -
[k- jkTkLo O;;
d- osru] etnwjh vkSj HkRrk vkfn - -
[k- fdjk;k - -
x- vU; iz”kklfud [kpZs - -
x- vU; - -
dqy - -
dqy ¼3½ - -
Lkky ds var esa 'kq+) cSysal ¼1$2$3½ 2,04,01,314 1,80,59,540
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
124okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 4
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
lqjf{kr _.k rFkk m/kkjh
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- dsanz ljdkj & &
2- jkT; ljdkj & &
3- foÙkh; laLFkk,a
d- lkof/k _.k & &
[k- vftZr C;kt vkSj ns; & &
4- cSad
d- lkof/k _.k & &
& vftZr C;kt vkSj ns;
[k- vU; _.k ¼fufnZ’V½ & &
& vftZr C;kt vkSj ns;
5- vU; laLFkku & &
6- fMcsapj vkSj ckaM & &
7- vU; & &
dqy & &
uksV% ,d o"kZ ds Hkhrj ns; jkf’k
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
125vPuaqyrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 5
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
vlqjf{kr _.k rFkk m/kkjh
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- dsanz ljdkj & &
2- jkT; ljdkj & &
3- foÙkh; laLFkk,a & &
4- cSad
d- lkof/k _.k & &
[k- vU; _.k ¼fufnZ’V½ & &
5- vU; laLFkku & &
6- fMcsapj vkSj ckaM & &
7- lkof/k tek & &
8- vU; ¼fufnZ’V djsa½ & &
dqy & &
uksV% ,d o"kZ ds Hkhrj ns; jkf’k
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 6
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
vkLFkfxr ØsfMV nsunkfj;k¡
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1-iwath midj.kksa vkSj vU; vkfLr;kasa dh miizk/kh;u }kjk lqjf{kr & &
LohÑfr;ka
2- vU; & &
uksV% ,d o"kZ ds Hkhrj ns; jkf’k
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
126okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 7
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
ekStwnk ns;rk,a vkSj mica/k
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- LohÑfr;ka & &
2- QqVdj ysunkj vkSj nsunkfj;ka 94,61,969 12,15,94,688
3- m/kkj izkIr & &
4- vftZr C;kt ij ns; ugha gS%
d- lqjf{kr _.k@m/kkjh & &
[k- vlqjf{kr _.k@m/kkjh & &
5- oS/kkfud nsunkfj;ka
d- vfrns; & &
[k- vU; & &
6- vU; pkyw nsunkfj;ka
d- 31 ekpZ dks Hkkjr ljdkj dks ns; viz;qDr vuqnku ds #i eas 24,23,36,366 66,17,79,686
[k- vU; % vkbZvkjMh, [kkrk & 31,988
x- vU; % lqj{kk tek 66,46,000 66,71,540
dqy 25,84,44,335 79,00,77,902
izko/kku
1- djk/kku ds fy, 3,34,545 27,30,079
2-,sfPNd nku 2,07,11,598 1,83,81,621
3-O;kikj okjafV;ka@nkos & &
4-lafpr NqV~Vh udnhdj.k 3,37,95,764 1,06,48,445
5-isa”ku va”knku ns; 2,79,151 3,23,808
6-osru ns; Hkqxrku 2,33,435 2,46,392
7-NqV~Vh udnhdj.k ns;
8-,uih,l deZpkjh va”knku & 1,552
dqy 5,53,54,493 3,23,31,897
dqy ;ksx 31,37,98,828 82,24,09,799
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
127Part-IV
128
k.jdk/fkzi
lkdof
jSkv
dek;ufof
k/fuf
uk’askI
8
hpwlquv
kuuc
klLgf
kdlm
jSkv
ku+Mqt
sl
=i
uyqr
skd
9102
Zpke
13
ak;kÙfial
ypv
½k;i#
;hrjkkH&Zbkdb¼
dWkyC
yqd
lkzg;Yqe
ak;kÙfial
yqd
k.joof
rav
sd
Zk’kO
ase
kHajkv
sd
Zk’kO
sd
Zk’kO
wykkP
rav
sd
Zk’o
yqd
ukjSkn
sd
Zk’kO
sd
kHajkv
sd
Zk’kO
@rxky
ase
ukjSkn
sd Zk’kO
ukjSkn
sd
Zk’kO
ase
i#
sd
Zk’kO
Zowi
,yf
sd
Zk’kO
udak;Ywe@rxky
ase
i#
dr
ji
hrSkVd
ase
i#
sd
udak;Ywe
hrSkVd
uZk/ojfi
ase
i#
sd
ase
i#
ak;kÙfial
ypv efwkH
-1
-
-
-
-
-
-
-
-
-
-
MYskghÝ
-d
-
-
-
-
-
-
-
-
-
-
hjknsV~Vi
-k[
-
xaMYfcf
-2
-
-
-
-
-
-
-
-
-
-
ji
uhet MYskghÝ
-d
-
-
-
-
-
-
-
-
-
-
ji
uhet hjknsV~Vi
-k[
-
-
-
-
-
-
-
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-
-
ji
uhet
jljfi@VSy¶
oRefkoL
-x
-
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-
-
-
-
-
-
-
-
sl
Zbkdb
hldf
skt jpDªVLjiql
-k?
ahgu rk/facal
-
-
-
-
-
-
-
-
k.jdim
jSkv hjuhk”e
=a;al
-3
603,12,2
072,52,8
159,00,9
-
858,48
390,61,8
122,62,71
-
228,88,6
993,73,01
ugko
-4
240,68,32
006,04,32
123,41,91
-
992,55,2
220,95,61
029,45,24
-
658,90,2
460,54,04
ak;jfkeyv
kkFr
jpZhuQ
-5
503,68,92
598,12,43
647,10,92
560,66
507,81,5
601,94,42
146,32,36
998,18,1
921,07,01
114,53,45
k.jdim ;yZk;kd
-6
724,12,62
487,98,02
372,92,78
213,46,1
884,08,11
790,31,77
750,91,80,1
504,78,2
939,17,7
325,43,30,1
k.jdim
d;kgl@jVw;Iad
-7
411,62
791,22
117,92,1
-
719,3
497,52,1
809,15,1
-
-
809,15,1
ukB’rfzi
rq|of
-8
838,11
301,7
478,09,1
-
122,41
356,67,1
779,79,1
-
684,9
194,88,1
sackrdf hd
hjszcbky
-9
-
-
-
-
-
-
-
-
-
-
ak;kÙfial
ypv
;Uv -01
230,35,28
948,60,78
578,66,74,1
773,03,2
884,75,02
467,93,92,1
527,37,43,2
403,96,4
232,05,72
797,29,11,2
yqd kd
Zk"o qykp
867,47,55
230,35,28
467,93,92,1
769,49,61
899,49,61
437,93,92,1
797,29,11,2
940,36,71
443,14,44
205,41,58,1
Zk"o
kyNif
-
-
rfxzi ase
Z;kdhtqwi
230,35,28
948,60,78
yqd
Akx,kt
k;nf
ji
jkk/kv
nhjk[
k;kjdf
ji
rxky
hd
kÙfial
yefkk“ jiż
%Vsku
hrjkkH
jkeqd
k"hk’kv
hyYnf
Zbu % ukkFL
hjkdk/fv
kk[sy
;[qe
ykÙef
ofj
kJef
jkeqd
k’sune
;k;/kisknac-l,
9102-90-21
% dakunf
k{;/v
;Lnl
;Lnl
vuqyXud Vokf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 9
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
mfí’V@/kekZnk fuf/k esa fuos”k
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- ljdkjh izfrHkwfr;ka - -
2- vU; vuqeksfnr izfrHkwfr;ka - -
3- “ks;j - -
4- fMcsapj vkSj ckaM - -
5- lgk;d daifu;ka vkSj la;qDr m|e - -
6- lkof/k tek 1,93,23,162 1,70,21,896
7- vU; ¼fufnZ’V djsa½ - -
dqy 1,93,23,162 1,70,21,896
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 10
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
fuos”k&vU;
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- ljdkjh izfrHkwfr;ka - -
2- vU; vuqeksfnr izfrHkwfr;ka - -
3- “ks;j - -
4- fMcsapj vkSj ckaM - -
5- lgk;d daifu;ka vkSj la;qDr m|e - -
6- lkof/k tek 36,18,40,229 27,00,00,000
7- vU; ¼fufnZ’V djsa½ - -
dqy 36,18,40,229 27,00,00,000
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
129vPuaqyrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 11 ¼d½
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
31-03-2019dks rqyu i= ds Hkkx ds #i esa ekStwnk ifjlaifÙk;ka] _.k vkSj m/kkj
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
¼d½ orZeku laifÙk;ka
1- eky
lafpr vkSj vfrfjDr -
f”kfFky midj.k -
fcØh ds fy, eky
rS;kj eky - -
dk;Z izxfr ij gS - -
dPpk eky - -
2- fofo/k nsunkj%
6 eghus dh vof/k ds fy, cdk;k _.k - -
vU; - 30,585
3- udnh 20,000 20,000
4- cSad cSysal
d½ vuqlwfpr cSadksa ds lkFk
pkyw [kkrksa ij - -
le; tek [kkrksa ij - -
cpr cSad tek [kkrksa ij 26,81,40,459 68,03,96,600
[k½ xSj&vuqlwfpr cSadksa ds lkFk
pkyw [kkrksa ij - -
le; tek [kkrksa ij - -
cpr cSad tek [kkrksa ij - -
5- Mkd?kj&cpr [kkrs - -
6- vU; - -
dqy ¼d½ 26,81,60,459 68,04,47,185
130okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 11 ¼[k½
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
31-03-2019dks rqyu i= ds Hkkx ds #i esa ekStwnk ifjlaifÙk;ka] _.k vkSj m/kkj
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
¼[k½ _.k] m/kkj vkSj vU; ifjlaifÙk;ka%
1- _.k%
LVkWQ 2,98,000 1,48,881
vU; laLFkk] tks laLFkk dh rjg ds xfrfof/k;ksa@mn~ns”;ksa esa layXu gS% - -
vU; ¼fufnZ’V djsa½ - -
2- m/kkj vkSj vU; jkf’k tks udn ;k oLrq ds #i esa ;k olwyh tkus
okyh dher ds #i esa izkIr gks%
iwath [kkrs ij - -
iwoZHkqxrku 11,61,179 18,11,050
lqj{kk tek 36,47,500 36,47,500
vU; 11,80,04,339 5,42,87,823
3- vk; vftZr
mfn’V vkSj /kekZnk fuf/k ls fuos”k ij 9,20,697 8,57,550
vU;&ij fuos”k 93,18,316 1,29,60,576
_.kksa rFkk m/kkjksa ij - -
vU; ¼blesa vpsru ns; jkf”k :- “kwU; Hkh “kkfey gSA ½ 9,74,96,282 -
4- izkIr nkos - -
dqy ¼[k½ 23,08,46,312 7,37,13,379
dqy ;ksx ¼d½+ ¼[k½ 49,90,06,771 75,41,60,564
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
131vPuaqyrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 12
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
fcØh@lsokvksa ls vk;
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- fcØh ls vk;
rS;kj eky dh fcØh - -
dPps eky dh fcØh - -
dckM+ dh fcØh - -
2- lsokvksa ls vk;
Je vkSj izlaLdj.k “kqYd - -
O;olkf;d@ijke”kZ lsok,a - -
,stsalh deh”ku vkSj czksdjst - -
j[kj[kko lsok,a ¼midj.k@laifÙk½ - -
vU; ¼fufnZ’V djsa½ - -
dqy - -
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 13
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
vuqnku vkSj lfClMh
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
vifjorZuh; vuqnku vkSj lfClMh çkIr
1- dsanz ljdkj 1,77,99,37,800 2,25,75,78,000
2- jkT; ljdkj - -
3- ljdkjhvfHkdj.k - -
4- laLFkku@dY;k.kdkjh fudk; -
5- varjkZ’Vªh; laxBu - -
6- vU; ¼fufnZ’V djsa½ - -
dqy 1,77,99,37,800 2,25,75,78,000
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
132okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 14
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
1 vizSy 2018 ls 31 ekpZ 2019rd esa vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds #i esa izLrqr gksuk
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- izos”k “kqYd - -
2- okf’kZd “kqYd@lnL;rk 54,02,49,013 36,13,45,095
3- laxks’Bh@dk;ZØe “kqYd - -
4- lykgdkjh laLFkk dk “kqYd - -
5- ykblsal “kqYd - -
6- fofo/k lsokvksa ds fy, “kqYd 17,24,501 16,84,500
7-vU; ¼fufnZ’V djsa½ -
dqy 54,19,73,514 36,30,29,595
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 15
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
1 viSzy 2018 ls 31 ekpZ 2019rd esa vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds #i esa izLrqr gksuk
¼bdkbZ&Hkkjrh; #i;k½
fooj.k fu/kkZfjr /kujkf’k ls fuos’k fuos’k&vU;
orZeku o"kZ iwoZ o"kZ orZeku o"kZ iwoZ o"kZ
1- C;kt
d- ljdkjh izfrHkwfr;ksa ij - - - -
[k- vU; ckaM@fMcsaplZ - - - -
x- vU; 13,11,351 13,66,021 - -
2- YkkHkka’k
d- “ks;jksa ij - - - -
[k- E;wpqvy QaM ij - - - -
x- vU; - - - -
3- fdjk;k - - - -
4- vU; ¼fufnZ’V djsa½ - - - -
dqy 13,11,351 13,66,021 - -
mfí"V vkSj /kekZnk fuf/k dks gLrkarfjr 13,11,351 13,66,021 - -
dqy ;ksx - - - -
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
133vPuaqyrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 16
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
izHkqRo “kqYd] izdk”ku vkfn ls vk;
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- izHkqRo “kqYd ls vk; - -
2- izdk”ku ls vk; - -
3- vU; ¼fufnZ’V½ - -
dqy - -
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 17
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
vftZr C;kt
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- lkof/k tek [kkrksa ij
d- vuqlwfpr cSadksa ds lkFk 2,10,30,324 1,29,60,576
[k- xSj vuqlwfpr cSadksa ds lkFk - -
x- laLFkkuksa ds lkFk - -
?k- vU; - -
2- cpr cSad tek [kkrksa ij
d- vuqlwfpr cSadksa ds lkFk 2,24,83,560 2,61,60,198
[k- xSj vuqlwfpr cSadksa ds lkFk - -
x- laLFkkuksa ds lkFk - -
?k- vU; -
3- _.k ij%
d- deZpkjh@LVkWQ - -
[k- vU; - -
4- nsunkj rFkk vU; izkfIr;ksa ij C;kt 1,484
dqy 4,35,15,368 3,91,20,774
lzksr ij dj dVkSrh dk ladsr fn;k tk, - -
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
134okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 18
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
vU; vk;
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- ifjlaifÙk;ksa dh fcØh@fuiVku ij ykHk
¼d½ LokfeRo okyh laifÙk - -
¼[k½ vuqnku ls ijs ;k fu%”kqYd izkIr laifÙk - -
2- fu;kZr izksRlkgu olwy - -
3- fofo/k lsokvksa ds fy, “kqYd - -
4- fofo/k vk; 2,26,525 2,45,759
dqy 2,26,525 2,45,759
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 19
31 ekpZ 2019 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk
rS;kj eky ds LVkWd esa o`f)@deh vkSj dke esa izxfr
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
¼d½ lekiu LVkWd
1- rS;kj eky - -
2- dk;Z izxfr ij - -
¼[k½ de& “kq#vkrh LVkWd
1- rS;kj eky - -
2- dk;Z izxfr ij - -
dqy o`f)@¼deh½ ¼d&[k½ - -
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
135vuPqayrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 20
01 vizSy 2018 ls 31 ekpZ 2019rd vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds #i esa izLrqr gksuk
LFkkiuk O;;
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- osru vkSj etnwjh 14,86,29,812 11,70,68,575
2- HkRrk vkSj cksul - -
3- Hkfo’; fuf/k va”knku - -
4- isa”ku ds fy, va”knku 83,78,168 70,92,499
5- deZpkjh dY;k.k O;; - -
6- deZpkjh dh lsokfuo`fÙk vkSj vkof/kd ykHk ij O;; - -
7- NqV~Vh dk osru 2,91,36,433 1,17,01,632
8- V~;w”ku “kqYd vnk;xh - -
9- fpfdRlk vnk;xh 21,04,990 18,00,128
10- xzsP;qVh ;ksxnku 59,03,037 47,77,901
11- vU; ¼fof”k’V½
dqy 19,41,52,441 14,24,40,735
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
136okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 21
01 vizSy 2018 ls 31 ekpZ 2019rd vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds #i esa izLrqr gksuk
vU; iz”kklfud O;;
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- [kjhnkfj;ka - -
2- Je vkSj izlaLdj.k [kpsZ - -
3- <qykbZ vkSj vanj dh vksj dSfjt - -
4- fctyh vkSj ikoj 16,20,901 13,20,231
5- ty “kqYd 4,29,465 4,06,722
6- chek 18,05,860 19,71,532
7- ejEer vkSj j[kj[kko 68,59,768 73,45,976
8- mRikn “kqYd - -
9- fdjk;k] njsa vkSj dj 7,15,24,782 6,96,52,194
10- pyrs okgu vkSj mudk j[kj[kko 1,54,61,523 95,90,998
11- Mkd] VsyhQksu vkSj lapkj ds “kqYd 46,03,012 72,62,031
12- eqnz.k vkSj LVs”kujh 15,23,073 6,97,632
13- ;k=k vkSj okgu [kpsZ 88,17,437 78,95,696
14- lsfeukj@dk;Z”kkyk,a@cSBdksa vkSj lEesyuksa ij O;; 1,22,37,465 2,84,55,685
15- lnL;rk [kpZ - -
16- Qhl vkSj O;; - -
17- ys[kk ijh{kdksa dk ikfjJfed - 2,67,872
18- vkfrF; [kpZ - -
19- is”ksoj “kqYd 1,94,86,772 1,68,82,427
20- iqLrdsa vkSj if=dk,a 1,62,865 2,49,489
21- HkrhZ [kpZ 2,44,412 18,82,531
22- vk”kks/; vkSj lafnX/k _.k@ m/kkj ds fy, izko/kku - -
23- ladyudÙkkZ ds fy, izksRlkgu jkf”k 4,84,000 2,46,15,900
24- Lokcyacu ljdkjh va”knku 18,18,55,819 34,84,88,000
25 ,ihokbZ ljdkjh va”knku 81,45,81,888 1,18,21,19,845
26- mifLFkfr vfLrRo ds eqn~ns ij izkssRlkgu jkf”k - -
27- vizfryH; “ks’k jkf”k dk ys[kk tks[kk 3,11,559 -
28 iSfdax [kpZ - -
29- ÝsV vkSj vxzs’k.k [kpZ - -
30- forj.k [kpZ - -
31- foKkiu vkSj izpkj [kpZ 2,71,03,936 24,94,84,351
32- lnL;rk “kqYd 8,78,780 17,250
33- deZpkjh dY;k.k 12,01,134 8,14,511
34- dalYVsalh [kpZ 19,68,825 16,80,780
35- ,ihokbZ izpkj 1,94,11,083
36- ,ihokbZ ds fy, izksRlkgu jkf”k 1,06,99,45,670 42,92,56,260
37- cSBd “kqYd 30,000 -
38- vU; ¼fof”k’V½ 33,994 2,408
dqy 2,24,31,72,940 2,40,97,71,405
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
137vPuaqyrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 22
01 vizSy 2018 ls 31 ekpZ 2019rd vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds #i esa izLrqr gksuk
vuqnku lfClMh ij O;; vkfn
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- laLFkkvksa@laxBuksa@jk’Vªh; isa”ku iz.kkyh U;kl dks fn;k x;k vuqnku - -
2- laLFkkvksa@laxBuksa dks nh xbZ lfClMh - -
3- vU; ¼fof”k"V½
dqy
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 23
01 vizSy 2018 ls 31 ekpZ 2019rd vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds #i esa izLrqr gksuk
C;kt
¼bdkbZ&Hkkjrh; #i;k½
fooj.k ekStwnk o"kZ iwoZ o"kZ
1- fu/kkZfjr _.kksa ij - -
2- vU; _.kksa ij - -
3- cSad ds “kqYd 2,943 1,750
4- vU; ¼fof”k’V½ - -
dqy 2,943 1,750
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
138okf"kZd fjiksVZ | 2018-19
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 24
31 ekpZ 2019 dks o’kZ dh lekfIr ij [kkrksa ds Hkkx ds #i esa
egRoiw.kZ ys[kkadu uhfr;ka
1- ys[kkadu vkSj foÙkh; c;ku dh rS;kjh dk vk/kkj
izkf/kdj.k dk foÙkh; ys[kk&tks[kk isa”ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k fu;e ¼ys[kk vkSj fjdkWMZ
ds okf’kZd fooj.k ds #i esa½] 2015 ds vuqlkj rS;kj fd;k x;k gSA Hkkjr ljdkj dh ;kstuk gksus ds dkj.k
Lokyacu ;kstuk vkSj vVy isa”ku ;kstuk ¼,ihokbZ½ ds vykok foÙkh; ys[kk&tks[kk ,sfrgkfld ykxr izFkk
ds rgr izksn~Hkou ds vk/kkj ij Hkqxrku vk/kkj ij cuk;k j[kk tkrk jgk gSA foÙk o’kZ 2018&19 ds fy,
U;klh cSad vkSj dsanzh; vfHkys[kiky vfHkdj.kksa ls “kqYd chekafdd vk/kkj ij fxuk tk,xkA
2- ljdkjh vuqnku
ljdkjh vuqnku dh x.kuk izkfIr ds vk/kkj ij dh tkrh gSA
3- vpy laifÙk
vpy laifÙk;ksa dks muds djksa vkSj vU; vkuq’kafxd vf/kxzg.k ls lacaf/kr [kpZ lfgr ewy ykxr ds #i
esa izLrqr fd;k tkrk gSA
4- lsokfuo`fÙk ykHk
foÙk o’kZ 2018&19 ds chekafdd ewY;kadu ds vuqlkj minku vkSj NqV~Vh udnhdj.k iznku fd;k x;k gSA
5- ewY;gzkl
5-1 bls vk;dj vf/kfu;e 1961 esa fofufnZ’V njksa ds vuqlkj uhps fy[ks ewY; fof/k ij iznku fd;k
tkrk gSA
5-2 5000@& ;k mlls de dh dherksa dh izR;sd vkfLr;ksa dks iwjh rjg ls iznku fd;k tkrk gSA
LFkku % ubZ fnYyh vk’kh"k dqekj Hkkjrh
fnukad % 12-09-2019 eq[; ys[kk vf/kdkjh
,l-canksik/;k; enus’k dqekj feJk jfo feÙky
lnL; lnL; v/;{k
139vPuaqyrXtu-IdV
V
Iksa’ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k
vuqlwph 25
31 ekpZ 2019 dks o’kZ dh lekfIr ij [kkrksa ls tqM+s gksus vkSj Hkkx ds #i esa
vkdfLed ns;rk,a vkSj [kkrksa esa ys[ku
1- vkdfLed ns;rk,a
izkf/kdj.k dh 31-03-2019 ij dksbZ vkdfLed ns;rk ugha gSA
2- orZeku ifjlaifÙk;ka] _.k vkSj m/kkj
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140Annual Report | 2018-19
This Report is in conformity with the format as
per the Pension Fund Regulatory and Development Authority
(Reports, Returns and Statements) Rules, 2015.
12Annual Report | 2018-19
34Annual Report | 2018-19
CONTENTS
Statement of Goals and Objectives 11
Objective 11
Vision 11
Chairman’s Message 13
Members of the Board 15
Senior Management of the Authority 16
Abbreviations 17
Part I
Policies & Programmes 20
1.1 General Review of the Global Economic Scenario 20
1.1.1 Global Commodities Prices 21
1.1.2 Inflation 21
1.1.3 Global Financial Environment 22
1.1.4 Bond and Equity markets 22
1.1.5 Global Growth outlook for 2019-20 24
1.1.6 Emerging Market and Developing Economies 24
1.2 Domestic Economy 25
1.2.1 Macro-Economic Developments in India 25
1.2.2 Inflation 25
1.2.3 Monetary Management 26
1.3 Financial Markets 27
1.3.1 G-Sec Market 27
1.3.2 Corporate Bond Market 27
1.3.3 Equity Market 28
1.4 Review of Global Pension Market 28
1.4.1 Pension fund assets in the OECD area in 2018 28
1.4.2 Equities investments in 2018 29
1.5 Major Announcement for NPS in Budget 2019 31
1.6 Indian Demography and Old Age Income Security 31
1.7 Indian Pension Landscape 32
5Contents
1.8 A Brief on the review of the objectives of PFRDA during the year. 33
1.9 Intermediaries under NPS 35
1.9.1 Intermediaries and other entities associated with National Pension System and
other pension schemes covered under the Act 35
1.9.2 Types of Account 37
Part II
Investment of Funds under NPS 39
2.1 Pension Funds (PFs) 39
2.1.1 Functions of Pension Funds 39
2.1.2 List of Pension Funds (PFs) for Government Sector NPS
Schemes (i.e. CG and SG), NPS-Swavalamban and APY 39
2.1.3 List of Pension Funds (PFs) for Private Sector NPS schemes 39
2.2 Schemes 39
2.3 Exposure of different categories of investments and various
schemes regulated and administered by PFRDA 41
2.4 Regulations, Notification, issuance of major circulars /
Guidelines w.r.t. Pension Fund 43
Part- III
Functions of the Authority 45
3.1 Registration of intermediaries and suspension, cancellation, etc., of
such registration; and regulation of activities of the intermediaries
associated with the National Pension System or the pension schemes 45
3.2 Approval of schemes, the terms and conditions thereof including norms
for the management of corpus of the pension funds and investment
guidelines under such schemes 46
3.3 Exit of subscribers from the National Pension System 47
3.3.1 Exits under NPS 47
3.3.2 Partial Withdrawal under NPS 50
3.4 Details of Annuity Service Providers (ASPs) and Annuity Schemes 50
3.5 Activities undertaken for protection of interests of subscribers under the
National Pension System and of other pension schemes under the Act 52
3.6 Mechanism for redressal of grievances of subscribers and activities
undertaken for redressal of such grievances 53
3.7 Certification Programme for Retirement Advisers 54
6Annual Report | 2018-19
3.8 Collection of data by the Authority and the intermediaries including
undertaking and commissioning of studies, research and projects. 54
3.9 Steps undertaken for educating subscribers and the general public on
issues relating to pension, retirement savings and related issued and
details of training of intermediaries 55
3.9.1 Financial Literacy 55
3.9.2 Programme for co-ordination with financial
agencies and other agencies 55
3.9.3 NPS awareness and Social Media 55
3.9.4 Public Relations Agency 57
3.9.5 Training 57
3.10 NPS and APY Information Helpdesk 57
3.11 Conferences held during FY 2018-19 58
3.12 Performance of Pension Funds 61
3.13 Regulated Assets 64
3.14 Fees and other charges levied or collected by the
Authority during the financial year 64
3.15 Information sought for, inspections undertaken, inquiries conducted
and investigations undertaken including audit of intermediaries
and other entities or organisations connected with pension fund 66
3.16 Others 67
3.16.1 Subscribers (category wise) covered under the
National Pension System and other pension schemes under the Act 67
3.16.2 Points of presence 70
3.16.3 Asset under Management 70
3.16.4 The Central Recordkeeping Agency 70
3.16.5 The Pension Funds 76
3.16.6 The Trustee Bank 77
3.16.7 The Custodian 79
3.16.8 The National Pension System Trust 80
3.16.9 Retirement Advisor 81
3.16.10 Other functions carried out by the Authority in the area of pensions 82
7Contents
PART IV
4.1 Pension Advisory Committee 85
4.2 Regulations Made or Amended 85
4.3 Constitution of Committee for utilization of Subscriber Education and Protection Fund 86
4.4 Standing Committee on Information Technology and Cyber Security in PFRDA 86
PART V
Organizational Matters of the Pension Fund Regulatory and Development Authority 87
5.1 Constitution of PFRDA Board 87
5.2 Meetings of the Authority 87
5.3 Staff Strength in PFRDA 87
5.4 Setting up of SC/ST Cell and OBC Cell in PFRDA 88
5.5 Committee for Prevention of Sexual Harassment at Workplace 88
5.6 Staff Welfare Committee 88
5.7 Training of employees in PFRDA 88
5.8 Promotion of Official Language 88
5.9 Right to Information 88
5.10 Parliamentary Questions 89
5.11 InformationalTechnology 89
5.12 Other activites 89
5.13 Accounts of PFRDA 89
PART VI
Any critical area adversely affecting the interest of subscribers 91
6.1 Age limit of 40 years for joining APY 91
6.2 Statutory obligations that the Authority has not complied 91
6.2.1 Minimum Assured Returns Scheme (MARS) 91
PART VII
Any other measure taken by the Authority to protect the interest of subscribers to the
National Pension System and other pension schemes under the Act. 92
7.1 Other initiatives taken by the Authority to protect the interest of the subscribers 92
8Annual Report | 2018-19
Annexure I
No. of subscribers registered (PRANs Generated) in APY by various distribution channels 94
Annexure II
List of Point of Presence registered with NSDL-CRA under NPS as on 31st March, 2019 100
List of Point of Presence registered with Karvy-CRA under NPS as on 31st March, 2019 102
Annexure III
List of POPs (Aggregator) under NPS as on 31st March, 2019 104
Annexure IV
Composition of Pension Advisory Committee (PAC) 106
Annexure V
Balance Sheet 107
910Annual Report | 2018-19
STATEMENT OF GOALS AND OBJECTIVES
Under rule 9(2) (C) of Pension Fund Regulatory and Development Authority
(Reports, Returns and Statements) Rules, 2015.
OBJECTIVE
The broad objectives of the PFRDA are contained in the Preamble
to the PFRDA Act 2013 as under:
“To provide for the establishment of an Authority to promote old age income security by establishing,
developing and regulating pension funds, to protect the interest of subscribers to schemes of pension
funds and for matters connected therewith and incidental thereto.”
VISION
To be a model Regulator for promotion and development of
an organized pension system to serve the old age income
needs of people on a sustainable basis.
1112Annual Report | 2018-19
Chairman’s Message
It is my great pleasure to present the annual report of PFRDA for the financial year 2018-19. On this
occasion, we refresh our efforts towards our mandate to promote and develop an organized pension
system for all citizens of India to serve the old age income needs on sustainable basis.
India, being one of the world’s most populous countries, is undergoing unprecedented demographic
changes. Increasing longevity and falling fertility have resulted in a dramatic increase in the population
of adults in both absolute and relative terms. Due to a changing social and economic landscape, the
traditional family support system is breaking down in the households of many older adults. This
change brings social and economic challenges, to which our country must rapidly adapt.
The time is ripe to engage and create a sustainable pension system in the country, covering the
majority of the population. PFRDA, over the years, has been engaged in developing the pension sector
through guided development and prudent regulation with focus on institution-building, capacity
development and enabling framework for innovations in products, schemes and programmes across
all stakeholders under the umbrella architecture of the National Pension System (NPS). The larger
objective is to improve and expand the adequacy and scope of pension coverage both in the organised
and unorganised sectors.
Promotion and development of NPS is vital for the growth of the economy as it serves the twin
objectives of providing old age income security to a vast multitude of our ageing population and
garnering resources in the form of long term funds for meeting investment needs of the critical growth-
driving sectors of the economy and the capital market. A developed pension sector has a stabilizing
effect on the economy through promoting long-term savings combined with long-term investments.
NPS has an unbundled architecture where each function is performed by a specialised and different
entity. The product is unique, providing an opportunity for subscribers to be serviced by the
intermediaries which are renowned in their areas, that too at low cost. The technologically driven
platform provides ample flexibility to subscribers in terms of choice regarding the Point of Presence,
Central Recordkeeping Agency, Pension Fund Manager, Annuity Service Providers, frequency and
amount of contribution among others.
An extensive framework of regulations is in place and notified under the PFRDA Act 2013. The same
is reviewed on regular basis to ensure the security of pension assets to minimize the risk to the pension
assets that have been accumulated to provide retirement benefits and ensures timely exit.
13Chairman Massege
PFRDA continued to leverage technology across the value chain to drive efficiencies and improve ease
of access to NPS for the subscribers by way of eNPS, Mobile apps, e-KYC etc. Various initiatives have
also been undertaken to digitally empower the Atal Pension Yojana (APY) subscribers by offering
value added services. Moreover, as a stakeholder in India’s policymaking regarding old age income
security and to carry out the mandate of the PFRDA Act in the interest of pension subscribers, PFRDA
is constantly vigilant about the cyber security measures to mitigate any cyber threats.
The central government has notified on 31.01.2019, the increase of its contribution to central government
employee’s NPS account from 10% to 14% with effect from April 1, 2019. Greater freedom in choosing
pension funds and pattern of investment to central government employees has also been notified.
Further, tax exemption limit for lump sum withdrawal on exit has been enhanced to 60%. With this,
the entire withdrawal will now be exempt from income tax. These exclusive measures will definitely
boost the contribution level under NPS.
Pension is a long-term financial product, which requires consistent contribution towards one’s corpus
in the accumulation phase during the working age of an individual. In view of the same, as the pension
regulator, PFRDA has taken up the important task of financial literacy of the masses in matters related
to pension, retirement planning/savings along with the overarching mandate of developing the
pension sector through various digital/social media and a dedicated website named Pension Sanchay.
The increased financial inclusion and literacy will also help in countering the behavioral bias with
respect to pension and retirement planning.
By way of this communication, I wish to reiterate the commitment and dedication of the PFRDA to
the overarching cause of making India a Pensioned society to fulfill its objectives of old age income
security.
Chairman
14Annual Report | 2018-19
Members of the Board
(as on 31.03.2019 appointed under Section 4 of the PFRDA Act, 2013 (Act 23 of 2013))
(i) Chairman
Shri Hemant G. Contractor from 7th October 2014 till date.
(ii) Whole-Time Members
1. Dr. B.S. Bhandari, Whole-Time Member (Economics) from 16th May, 2014 till date.
2. Shri Supratim Bandopadhyay, Whole-Time Member(Finance) from 12th March,
2018 till date.
(iii) Part-Time Members
1. Ms. Annie George Mathew, Joint Secretary, Department of Expenditure from 12th December
2014 till date.
2. Shri Sanjiv Narain Mathur, Joint Secretary, DPPW, Ministry of Personnel, P G and Pensions,
Part-Time from 11th August, 2017 till date.
3. Shri Madnesh Kumar Mishra, Joint Secretary, DFS, Ministry of Finance, Part- Time Member
from 3rd November, 2017 till date.
15Senior Management of the Authority
SENIOR MANAGEMENT OF THE AUTHORITY
(as on 31.03.2019)
EXECUTIVE DIRECTOR
Shri Ananta Gopal Das
Shri Praveen Trivedi
CHIEF GENERAL MANAGER
Smt. Mamta Rohit
Smt. Sumeet Kaur Kapoor
Shri Venkateswarlu Peri
Shri Ashish Kumar
GENERAL MANAGER
Shri K. Mohan Gandhi
Shri Pravesh Kumar
Shri Mono Mohon Gogoi Phukon
Shri Akhilesh Kumar (Deployed in NPS Trust)
Shri Vikas Kumar Singh
Shri P. Arumugarangarajan
Shri Sumit Kumar
Chief Vigilance Officer
Shri Satish K. Nagpal
Ombudsman
Shri Vinod Kumar Pande
ANNUAL REPORT TEAM
Shri Venkashwarlu Peri, Chief General Manager
Smt. Manju Bhalla, Deputy General Manager
Shri Manish Mani, Manager
16Annual Report | 2018-19
Abbreviations
AIF Alternative Investment Fund
APY Atal Pension Yojana
APY-SP APY-Service Provider
ASP Annuity Service Provider
AUM Assets Under Management
BSE Bombay Stock Exchange
CAB Central Autonomous Bodies
CAGR Compounded Annual Growth Rate
CBS Core Banking Solution
CBO Corporate Branch Office
CEO Chief Executive Officer
CFPI Consumer Food Price Index
CG Central Government
CGMS Central Grievance Management System
CHO Corporate Head Office
CISO Chief Information and Security Officer
COR Certificate of Registration
CP Commercial Paper
CPI Consumer Price Index
CPI-C Consumer Price index – Combined
CPIO Central Public Information Officer
CRA Central Recordkeeping Agency
CSGL Constituent Subsidiary General Ledger
CSO Central Statistical Office
DA Dearness Allowance
DB Defined Benefit
DC Defined Contribution
DDO Drawing and Disbursing Office
DCCB District Central Co-operative Bank
DFS Department of Financial Services
DTA Directorate of Treasuries and Accounts
DTO District Treasury Office
EMDE Emerging market and developing economies
EPF Employee Provident Fund
EPFO Employees’ Provident Fund Organisation
EPS Employees’ Pension Scheme
ERM Error Rectification Module
ETF Exchange Traded Fund
FATCA Foreign Account Tax Compliance Act
FAQ Frequently asked question
FII Foreign Institutional Investor
17Abbreviations
Fin-Tech Financial Technology
FRC Funds Receipt Confirmation
FSDC Financial Stability and Development Council
FY Financial Year
GDP Gross Domestic Product
GOI Government of India
G-Sec Government security
ICT Information and Communications Technology
IFSC Indian Financial System Code
IMF International Monetary Fund
INR Indian Rupee
IOPS International Organisation of Pension Supervisors
IOS iPhone Operating System
IPIN Internet Personal Identification Number
TPIN Telephonic Personal Identification number
IRDAI Insurance Regulatory and Development Authority of India
IRF-FC Inter Regulatory Forum for monitoring Financial Conglomerates
IRTG Inter Regulatory Technical Group
IVR Interactive Voice Response System
KYC Know Your Customer
MFI Micro Finance Institution
MFMG Macro Financial and Monitoring Group
MIS Management Information System
Mobile app Mobile Application
MPC Monetary Policy Committee
NAV Net Asset Value
NBFC Non-Banking Financial Company
NCFE National Centre for Financial Education
NISM National Institute of Securities Market
NLAO NPS-Lite Account office
NLCC NPS-Lite Collection Centre
NLOO NPS-Lite Oversight Office
NPCI National Payments Corporation of India
NPS National Pension System
NPSCAN NPS Contribution Accounting Network
NPST National Pension System Trust
NSAP National Social Assistance Programme
NSDL National Securities Depository Limited
NSE National Stock Exchange
OECD Organization for Economic Cooperation and Development
OMO Open Market Operations
OPGM Online PRAN Generation Module
OTP One Time Password
18Annual Report | 2018-19
PAC Pension Advisory Committee
PAN Permanent Account Number
PAO Pay and Accounts Office
PrAO Principal Accounting office
PF Pension Fund
PFM Pension Fund Manager
PoP Point of Presence
POP-SE Point of Presence Sub Entity
PoP-SP Point of Presence Service Provider
PPP Purchasing Power Parity
PRAN Permanent Retirement Account Number
QR code Quick Response code
RA Retirement Advisor
RBI Reserve Bank of India
ReBIT Reserve Bank Information Technology Private Limited
RRB Regional Rural Bank
RTI Right to Information
SCF Subscriber Contribution File
SEBI Securities and Exchange Board of India
SG State Government
SHCIL Stock Holding Corporation of India Ltd
SOT Statement of Transactions
TB Trustee Bank
TGFIFL Technical Group on Financial Inclusion and Financial Literacy
TRAN-ID Transaction ID
UNFPA United Nations Population Fund
UOS Unorganised Sector
WEO World Economic Outlook
WHO World Health Organization
WPI Wholesale Price Index
WTM Whole Time Member
19Part I
Part I
Policies & Programmes
The Preamble to PFRDA Act, 2013 sets out the 2019 as the US Federal Reserve signaled a more
objective of providing age- old income security in accommodative monetary policy stance and
India. The NPS system is designed with a view markets became more optimistic about a US–
to have a systemic approach towards designing China trade deal.
and implementing a coherent and financially
Global growth is now projected to slow from
sustainable pension system. The introduction of
3.6 percent in 2018 to 3.3 percent in 2019, before
the National Pension System in India marked a
returning to 3.6 percent in 2020. Growth for 2018
paradigm shift from Defined benefit to Defined
was revised down by 0.1 percentage point relative
contribution system The success of the system
to the October 2018 World Economic Outlook
depends upon regular/consistent savings
(WEO), reflecting weakness in the second half of
mechanism, prudential investments guidelines,
the year, and the forecasts for 2019 and 2020 are
and judicious draw down during the de-
now marked down by 0.4 percentage point and
accumulation phase. Further, the design of these
0.1 percentage point, respectively. The current
three phases is greatly impacted by the global and
forecast envisages that global growth will level
domestic developments in the financial sector.
off in the first half of 2019 and firm up after
On reaching a pivotal point, Pension assets also
that. The projected pickup in the second half of
start impacting the economy through myriad
2019 is predicated on an ongoing build-up of
ways including channelizing the small savings
policy stimulus in China, recent improvements
into desired sectors like Infrastructure, maturing
in global financial market sentiment, the waning
of capital markets, stabilizing the capital markets
of some temporary drags on growth in the euro
through Buy and hold strategy etc.
area, and a gradual stabilization of conditions in
As the global and domestic developments like stressed emerging market economies, including
growth rates, commodity prices, inflation etc. Argentina and Turkey. Improved momentum
impact all types of the financial markets, be it for emerging market and developing economies
Equity market, G sec market or bond markets, is projected to continue into 2020, primarily
it is in fitness of things to first have a bird eye reflecting developments in economies currently
view of the global and domestic economy before experiencing macroeconomic distress—a forecast
reviewing the developments in the global and subject to notable uncertainty.
domestic pension markets.
Beyond 2020, global growth is set to plateau at
1.1 General Review of the Global Economic about 3.6 percent over the medium term, sustained
Scenario by the increase in the relative size of economies,
such as those of China and India, which are
The International Monetary Fund (IMF) in its
projected to have robust growth by comparison to
World Economic Outlook (WEO), April 2019
slower-growing advanced and emerging market
reveals that after strong growth in 2017 and early
economies. The baseline outlook for emerging
2018, global economic activity slowed notably in
Asia remains favorable, with China’s growth
the second half of last year, reflecting a confluence
projected to slow gradually toward sustainable
of factors affecting major economies. China’s
levels and convergence in frontier economies
growth declined following a combination of
toward higher income levels. For other regions,
needed regulatory tightening in shadow banking
the outlook is complicated by a combination of
and an increase in trade tensions with the United
structural bottlenecks, slower advanced economy
States. Trade tensions increasingly took a toll on
growth and, in some cases, high debt and tighter
business confidence and, so, financial market
financial conditions.
sentiment worsened. Conditions have eased in
20Annual Report | 2018-19
Pension funds have both quantitative and production—weakening global growth added
qualitative impacts on financial development. downward pressure on prices toward the end
Quantitatively, pension funds increase the of 2018. Since the beginning of 2018, oil prices
capital supply to financial markets. Qualitatively, have recovered due to production cuts by oil-
the managing organizations of pension funds are exporting countries. Prices of base metals have
institutional investors who influence corporate increased by 7.6 percent since August as a result
governance and information disclosure, and of supply disruption in some metal markets more
therefore help establish financial markets than offsetting subdued global demand.
1.1.1 Global Commodities Prices : 1.1.2 Inflation:
A per WEO report, oil prices dropped from Inflation is a trend of increasing prices from
a four-year peak of $81 a barrel in October one year to the next. An economic concept, the
to $61 in February. While supply influences rate of inflation is important, as it represents the
dominated initially—notably a temporary rate at which the real value of an investment is
waiver in US sanctions on Iranian oil exports to eroded. It helps in determining the purchasing
certain countries and record-high US crude oil power of an individual over the time. Inflation
Chart 1.1 Global Inflation
(Three-month moving average; annualized percent change, unless noted otherwise)
Source: WEO report April, 2019.
also tells investors exactly how much of a return United States and United Kingdom, it is close to 2
(in percentage terms) their investments need to percent. Although wage growth has been picking
make them to maintain their standard of living. up across most advanced economies, notably
Hence, the design for pensions invariably need in the United States and United Kingdom, it is
to take into account the inflation rate to target the still slow despite lower unemployment rates
real rate of returns. and diminished labour market slack. Consistent
with subdued overall price and wage pressures,
A per the WEO report, Consumer price inflation
and possibly reinforced by the slowing growth
remained subdued across advanced economies.
momentum, inflation expectations remain
For some emerging market economies, currency
contained across advanced economies, and, in
depreciations have passed through to higher
many cases, have softened recently. Among
domestic prices, partially offsetting downward
emerging market economies, core inflation has
pressure from lower commodity prices.
remained below 2 percent in China as activity
has moderated. In other cases, inflation pressure
For most countries, core inflation is well below
has eased toward the lower bound of the central
central bank targets despite the pickup in
bank’s target range with the drop in commodity
domestic demand in the past two years; in the
prices (Indonesia) and slowdown in food
21Part I
inflation (India). For some economies, currency exposure of assets under management has
depreciations have passed through to higher become an important factor in the investment
domestic prices, partially offsetting downward matrix. The impact of currency fluctuation
pressure from lower commodity prices. on pension plans can pose a risk for meeting
investor objectives.
1.1.3 Global Financial Environment
1.1.4 Bond and equity markets.
It is important to keep a track of exchange rate
of a national currency relative to another major Almost all financial assets offer investment
currencies. As, it has a direct bearing on the opportunities, so FIIs, Banks and investors try
national economy because of bilateral trade to diversify their portfolios to minimize the
relationship between countries. An unstable risks. They usually include securities in their
exchange rate leads to unstable economy; it affects portfolios, securities include stocks and bonds
the cost of import and export of the country. and are traded globally, so the international
Therefore, exchange rates play significant roles market for bond and the equities has significant
in the financial health of country. impact on domestic markets too and therefore
need to be tracked.
As per the WEO report, financial conditions in
emerging markets improved in early 2019 but As per IMF WEO report of April 2019, following
remain somewhat tighter than in October,2018. notable tightening of financial conditions in late
Central banks in many emerging market 2018, market sentiment rebounded in early 2019.
economies (Chile, Indonesia, Mexico, Philippines Signs of slowing global growth, moderately
and South Africa) have lifted policy rates since less buoyant corporate earnings, and market
October, 2018 because of concerns that inflation concerns about the pace of Federal Reserve
may rise following the increase in oil prices in policy tightening weighed on sentiment at the
2018 and, for some countries, pass-through from end of 2018. Financial conditions in advanced
previous currency depreciation. In China, the economies have eased since the start of the year,
central bank provided liquidity support and after tightening sharply in the final months of
reduced reserve requirements for all banks as 2018 on equity price declines and higher risk
growth moderated. Long-term sovereign yields spreads. As of early March, conditions were
and spreads over advanced economies are slightly tighter than in October, but in most
broadly back to October 2018 levels. In Mexico, cases, still accommodative. This is especially
concerns over policy reversals under the new the case in the United States, where bond yields
administration led to a notable widening of the dropped as investors reassessed the outlook for
sovereign spread during November 2018 and monetary policy normalization.
December 2018, but it has since narrowed. In
The US Federal Reserve suggested a patient and
Brazil, spreads have declined since October amid
flexible approach to policy normalization, and at
optimism about the prospects of pension reform
the March meeting of the Federal Open Market
under the new government. Following ongoing
Committee, it signalled a pause in its interest
adjustments to rein in financial imbalances in
rate hikes for this year. The European Central
Argentina and Turkey, spreads for both have
Bank, which ended its net asset purchases in
declined somewhat but remain elevated. In
December, announced in March a new round of
line with improving risk sentiment this year,
targeted bank financing and further postponed
emerging market equity indexes have recovered
a rise in policy rates to at least the end of this
some of the ground lost in late 2018 and are
year. The Bank of England and Bank of Japan
now broadly at or have surpassed the levels of
have increasingly taken more cautious views on
October in most cases.
the outlook. Consistent with this shift in tone,
The geographical distribution of assets such as advanced economy sovereign securities (in
equities, bonds and property has taken a more particular, 10-year US Treasury notes, German
global path in the past few years as pension bunds, UK gilts) have priced in a lower path
funds spread their risk. As a result, the currency for future policy rates and are generally 40–80
22Annual Report | 2018-19
basis points below the peaks of early November corporate spreads, which had decompressed
2018. Italian spreads over German bunds, about significantly in December, have narrowed since,
250 basis points as of late March, have declined but remain wider than in October. Financial
from their late-October/early-November peaks, conditions in emerging markets improved in
but remain elevated. Equity markets in the United early 2019 but remain somewhat tighter than in
States and Europe have regained footing after the October.
sharp sell-off at the end of 2018, while high-yield
Chart 1.2 Ten Year Government Bond Yields (Percent)
Financial conditions in emerging market economies improved in early 2019, with differentiation across econo-
mies based on country-specific fundamentals
Source: WEO report, April, 2019
Pension fund portfolios are held over a long 1.1.5 Global Growth outlook for 2019
period of time, which provides abundant funds
As per the WEO report, growth in advanced
to the financial market in the long term which in
economies is projected to slow from 2.2 percent
turn is good for the stability of financial markets.
in 2018 to 1.8 percent in 2019 and 1.7 percent in
Pension funds as large institutional investors are 2020. The estimated growth rate for 2018 and
also large shareholders. The positive impacts of the projection for 2019, respectively, are 0.2
institutional investors on corporate governance percentage point and 0.3 percentage point lower
result in investment returns in the stock market, than in the October 2018 WEO, mostly reflecting
which once again enhances investor confidence downward revisions for the euro area. The
in the financial markets. This also effects returns projected slowdown in advanced economies in
of the pension funds in the long run. 2019 accounts for over two-thirds of the expected
deceleration in global growth relative to 2018.
FIIs play a major role in the performance of
financial indices like equity and debt markets Growth in the euro area is set to moderate from
in India today. The performance of the financial 1.8 percent in 2018 to 1.3 percent in 2019 (0.6
markets in the Advanced economies like US, percentage point lower than projected in October)
impact the direction of the foreign Institutional and 1.5 percent in 2020. Although growth is
Investors -towards or away from the emerging expected to recover in the first half of 2019 as
markets and therefore need to be tracked. some of the temporary factors that held activity
back dissipate, carryover from the weakness in
the second half of 2018 is expected to hold the
23Part I
2019 growth rate down. Growth rates have been is expected to tick down to 4.4 percent in 2019
marked down for many economies, notably (from 4.5 percent in 2018), 0.3 percentage point
Germany (due to soft private consumption, lower than in the October 2018 WEO. The decline
weak industrial production following the in growth relative to 2018 reflects lower growth
introduction of revised auto emission standards, in China and the recession in Turkey, with an
and subdued foreign demand); Italy (due to important carryover from weaker activity in
weak domestic demand, as sovereign yields late 2018, as well as a deepening contraction in
remain elevated); and France (due to the negative Iran. Conditions are projected to improve during
impact of street protests). The baseline projection 2019 as stimulus measures sustain activity in
of about 1.2 percent and 1.4 percent growth in China and recession strains gradually ease in
the United Kingdom in 2019–20is surrounded by economies such as Argentina and Turkey.
uncertainty.
In 2020, growth is projected to rise to 4.8
In the United States, growth is expected to percent, driven almost entirely by an expected
decline to 2.3 percent in 2019 and soften further strengthening of activity in these economies on
to 1.9 percent in 2020 with the unwinding of the back of policy adjustment and some easing
fiscal stimulus. The downward revision to 2019 of strains in countries affected by conflict and
growth reflects the impact of the government geopolitical tensions. With declining growth in
shutdown and somewhat lower fiscal spending advanced economies, the projected pickup in
than previously anticipated, while the modest global growth in 2020 is entirely predicated on
upward revision for 2020 reflects a more this projected improvement for the emerging
accommodative stance of monetary policy than market and developing economy group. The
in the October forecast. Despite the downward role played by the increasing weight of fast-
revision, the projected pace of expansion for 2019 growing economies, such as China and India,
is above the US economy’s estimated potential in supporting aggregate growth for emerging
growth rate. Strong domestic demand growth markets and developing economies as well
will support higher imports and contribute to as world growth. Growth in emerging and
some widening of the current account deficit. developing Asia is expected to dip to 6.3 percent
in 2019 and 2020 (from 6.4 percent in 2018), with
Japan’s economy is set to grow by 1.0 percent
a marginal downward revision for 2020 relative
in 2019 (0.1 percentage point higher than in the
to the October WEO. Economic growth in China,
October WEO). This revision mainly reflects
despite fiscal stimulus and no further increase
additional fiscal support this year, including
in tariffs from the United States relative to those
measures to mitigate the effects of the planned
in force as of September 2018, is projected to
consumption tax rate increase in October 2019.
slow on an annualized basis in 2019 and 2020.
Growth is projected to moderate to 0.5 percent
This reflects weaker underlying growth in 2018,
in 2020 (0.2 percentage point higher than in the
especially in the second half, and the impact of
October 2018 WEO report).
lingering trade tensions with the United States.
The projection for 2019 is slightly stronger than
1.1.6 Emerging Market and Developing
in the October 2018 WEO, reflecting the revised
Economies
assumption on United States tariffs on Chinese
Emerging and Developing economies are exports.
alternatives to Indian markets for the FIIs and
In India, growth is projected to pick up to
hence it is important to track our peers, especially
7.3 percent in 2019 and 7.5 percent in 2020,
China, which, due to sheer size of its economy
supported by the continued recovery of
and foreign trade, is able to impact the Global
investment and robust consumption amid a
macroeconomic parameters.
more expansionary stance of monetary policy
As per the WEO report, global growth in 2019 and some expected impetus from fiscal policy.
is also weighed down by the emerging market Nevertheless, reflecting the recent revision to
and developing economy group, where growth the national account statistics that indicated
24Annual Report | 2018-19
somewhat softer underlying momentum, India’s growth of real GDP has been high with
growth forecasts have been revised downward average growth of 7.5 per cent in the last 5 years
compared with the October 2018 WEO by 0.1 (2014-15 onwards). The Indian economy grew
percentage point for 2019 and 0.2 percentage at 6.8 per cent in 2018-19, thereby experiencing
point for 2020, respectively. Activity in emerging some moderation in growth when compared to
and developing Europe in 2019 is expected the previous year. Numerous foreign companies
to weaken more than previously anticipated, are setting up their facilities in India on account
despite generally buoyant and higher-than- of various government initiatives like Make
expected growth in several central and eastern in India and Digital India. The Make in India
European countries, before recovering in 2020. initiative has been launched with an aim to boost
the manufacturing sector of Indian economy, to
1.2 Domestic Economy
increase the purchasing power of an average
Indian consumer, which would further boost
1.2.1 Macro-Economic Developments in India
demand, and hence spur development, in
India has emerged as the fastest growing major addition to benefiting investors. Besides, the
economy in the world and is expected to be Government has also come up with Digital India
one of the top three economic powers of the initiative, which focuses on creation of digital
world over the next 10-15 years, backed by its infrastructure, delivering services digitally and
strong democracy and partnerships. As per the to increase the digital literacy.
Economic Survey of India report, India continues
1.2.2 Inflation
to remain the fastest growing major economy in
the world in 2018- 19, despite a slight moderation
As per the report of Economic Survey of India,
in its GDP growth from 7.2 per cent in 2017-18 to
headline inflation based on CPI-C continued its
6.8 per cent in 2018-19. On the other hand, the
declining trend for fifth straight financial year.
world output growth declined from 3.8 per cent
It has remained below 4.0 per cent in the last
in 2017 to 3.6 per cent in 2018. The Slowdown in
two years. Food inflation based on Consumer
the world economy and Emerging Market and
Food Price Index (CFPI) too declined over the
Developing Economies (EMDEs) in 2018 followed
last five years, and has remained below 2.0 per
the escalation of US China trade tensions, tighter
cent for the last two consecutive years. Inflation
credit policies in China, and financial tightening
based on Wholesale Price Index (WPI) remained
alongside the normalization of monetary policy
moderate at 3.0 per cent in 2017-18 compared to
in the larger advanced economies. In 2019, when
1.7 per cent in 2016-17, (-) 3.7 per cent in 2015-16
the world economy and EMDEs are projected
and 1.2 per cent in 2014-15. During the FY 2018-
to slow down by 0.3 and 0.1 percentage points
19, WPI inflation stood at 4.3 per cent. At the
respectively, growth of Indian economy is
all India level, CPI-C inflation during FY 2018-
forecast to increase. India forms part of 30 per
19 was driven mainly by miscellaneous group
cent of the global economy, whose growth is not
followed by housing as well as fuel and light
projected to decline in 2019 (World Economic
group. Goods inflation, which accounts for a
Outlook (WEO), April 2019 of IMF). India is
weight of 76.6 per cent in CPI-C, was 2.6 per cent
the seventh largest economy in terms of Gross
during FY 2018-19 as compared to 3.2 per cent
Domestic Product (GDP) in current US$ and has
during FY 2017-18. In contrast, services inflation,
emerged as the fastest growing major economy.
which accounts for a weight of 23.4 per cent, was
The average growth rate of India was not only
6.3 per cent during FY 2018-19 when compared
higher than China’s during 2014-15 to 2017-18
to 5.0 per cent during 2017-18.
but much higher than that of other top major
economies (measured in terms of GDP at current The below chart depicts the year on year %
US$ terms) as well. With Purchasing Power change of WPI & CPI, it is recorded that WPI
Parity (PPP) adjustments, India’s GDP at current went up as high as 5.68 % in comparison to its
international dollar, ranks third in the world. last year rates in the month of June, 2018, whereas
25Part I
the lowest % change was recorded in the month of of June, 2018 whereas the lowest was recorded in
January, 2019 as 2.76%. The CPI has recorded the the month if January, 2019 as 1.97%.
maximum % change (year on year) in the month
Chart 1.3: The inflation rate CPI & WPI years on year are shown below:
Source: CPI & WPI data source CSO,DIPP & www.data.gov.in
1.2.3 Monetary Management policy by the Federal Reserve, the MPC in the
Second and Third Bi-monthly Monetary Policy
The monetary policy formulated by the Reserve
Statement, decided to increase the policy repo
Bank of India relates to the monetary matters of
rate by 25 basis points (bps). The policy rates
the country. The policy involves measures taken
remained unchanged in the Fourth and Fifth
to regulate the supply of money, availability,
Bi-monthly Monetary Policy Statement due
and cost of credit in the economy. In the First
to the persistence of unusually soft food price
Bi-monthly Monetary Policy Statement for 2018-
readings and its impact on the evolving headline
19, the MPC decided to keep the policy repo rate
inflation trajectory. However, the policy stance
unchanged at 6.0 per cent. With the perceived
was changed from “neutral” to “calibrated
risk to inflation from increase in crude oil prices
tightening” in the Fourth Bi-monthly Monetary
as well as expectation of tightening of monetary
Policy Statement of October 2018.
Chart 1.4: A movement in the repo rate during FY 2017-18 & FY 2018-19 is presented below:
Data Source: RBI
26Annual Report | 2018-19
1.3 Financial Markets movement in oil prices, domestic liquidity and
rupee exchange rate. It hardened in the first
India has a diversified financial sector
quarter but witnessed intermittent softening in
undergoing rapid expansion, both in terms
the second and third quarters. The hardening
of strong growth of existing financial services
of yields in the first quarter may be attributed
firms and new entities entering the market. The
to rising crude oil prices, the firming up of US
sector comprises commercial banks, insurance
treasury yields, concerns regarding the pace of
companies, non-banking financial companies,
rate hikes by the US Fed, upside risks to domestic
co-operatives, pension funds, mutual funds and
inflation. Later, with the decline in crude oil
other smaller financial entities.
prices in July 2018, and with the announcement
of OMO purchases, the yields softened in July.
1.3.1 G-Sec Market
However, the currency depreciation in August
During 2018-19, the 10-year benchmark G-sec 2018 due to rising crude oil prices and rising
yields were volatile and closely tracked the US interest rates, caused the yields to harden,
Chart 1.5: 10 Year G-Sec Bond Yield (Percent)
Source: Report of Economic Survey of India
taking the rise in yields from end-July to mid- 1.3.2 Corporate Bond Market
September to 40 bps. Yields softened towards
Development of corporate bond market in
the end of September reflecting the measures
India remains crucial for meeting the financing
taken for containing rupee volatility along with
requirement of industry and infrastructure
expectations of lower market borrowings by
sector. Corporate bond market always supports
the central government in second half of 2018-
in development of economy and is expected to be
19. The benchmark yield continued to trade
more beneficial for business having longer term
with a softening bias in October 2018 as the RBI
cash flows. It has witnessed a shift in recent years
announced OMO purchases of higher amount. In
and now the industry is gradually expanding
the third quarter of 2018-19, the OMO purchase of
its reach and reducing its dependency on other
`1.36 lakh crore along with the decline in crude oil
prevailing financial instruments. The gradual
prices and CPI inflation rates caused the yields to
increase in proportion of market-based sources in
soften in general. During January 2019, however,
total debt financing by non-financial companies
the yields traded with a hardening bias amidst
is confined only to the larger sized firms. Though
fiscal concerns, tightening liquidity and rise in
finance and infrastructure companies dominate
crude oil prices.
the corporate bond market, mutual funds are
27Part I
playing an important role in diversifying the Indian equities market emerged as one of the
issuance base of the market. The growth of the best performers globally in 2018-19. S&P BSE
market was supported by the implementation of Sensex, the benchmark index of Bombay Stock
policies by the regulator and positive economic Exchange (BSE), closed at 38,673 on March 31,
activity and interest cycle, the market in India 2019, witnessing an increase of 17.3 per cent from
remains small, it has accounted for nearly 17 its closing value of 32,969 as on March 31, 2018.
per cent of GDP. As per SEBI, the financial year During this period, S&P BSE Sensex closed its
witnessed Rs. 6,10,318 crore raised through 2,358 highest level of 38,897 on August 28, 2018 and its
issues by the way of private placement listed at lowest of 33,019 on April 04, 2018. In addition,
BSE and Rs. 36,679 crore in 2018-19, depicting a Nifty 50, the benchmark index of National Stock.
manifold increase from the previous year. Exchange (NSE) closed at 11,624 on March 31,
2019, witnessing a gain of 14.9 per cent from its
1.3.3 Equity Market
closing value of 10,114 as on March 31, 2018.
During the period Nifty 50 closed at its highest
Despite several challenges including the NBFCs-
value of 11,739 on August 28,2018 and its lowest
triggered liquidity crisis as well as global
level of 10,030 on October 26, 2018.
trade tensions and high crude oil prices, the
Chart 1.6: Sensex and Nifty movement
Data Source: BSE/NSE website.
1.4 Review of Global Pension Market (-0.3%) and the United States (-5.0%). Poland
experienced the most significant decline at -12.3%.
Korea and Australia fared better with a 12.9%
1.4.1 Pension fund assets in the OECD area in
and a 9.2% increase respectively, although for the
2018
period from June 2017 to June 2018 for Australia
As per the OECD Pension Fund report May, 2019,
(Calculated in national currencies).
the Preliminary data for 2018 show that assets in
pension funds amounted to USD 27.6 trillion in the Assets in pension funds rose in national currency
OECD area, close to 4% lower than in 2017. Pension during 2018 in nearly all reporting jurisdictions
fund assets declined in 12 out of 34 reporting outside the OECD area. Pension funds
OECD countries, including some of the largest experienced a growth in local currencies in all
pension markets: Japan (-1.1%), the Netherlands reporting non-OECD jurisdictions but Botswana
(-1.2%), Switzerland (-0.7%), the United Kingdom (-3.7%) and Peru (-1.8%). The total amount of
28Annual Report | 2018-19
Chart 1.7: Real investment rates of return of pension funds, Dec 2017 -Dec 2018 (preliminary)
Source : OECD Pension Market Focus, May 2019.
pension fund assets outside the OECD area was, fund assets in 2018 when these losses were not
however, 4% lower in 2018 than in 2017, at USD compensated by increases in contributions of
800 billion. Denmark has the largest amount of plan members. Investment returns were positive
pension assets relative to GDP when considering in nominal terms but failed to grow as fast as
the whole private pension system (twice the size prices in 2018 in some countries. This is the
of GDP) Pension funds experienced negative real case for instance in Egypt, Nigeria, Papua New
investment rates of return in most countries in Guinea, and Romania, where investment returns
2018, especially in the OECD area. Pension funds were positive in nominal terms in 2018 but lower
suffered financial losses in real terms in 20 out of than inflation. Pension funds have a long-term
the 25 reporting OECD countries, compared to 11 horizon. Long-term trends therefore matter more
out of the 26 reporting non-OECD jurisdictions. than short-term results on these markets. Short-
The lowest investment rates of return were term results are also likely to improve given the
observed in Hong Kong (China) (-11.6%), Poland recovery of equity markets in 2019 Q1.
(-11.6%)and Turkey (-11.3%). Australian pension
1.4.2 Equities investments in 2018
funds also Exhibited a relatively strong real
investment return (5.9%), but this performance is
The proportion of equities in pension fund
calculated over the financial year (June 2017-June
investments fell in 2018 compared to 2017 in 24
2018) instead of the calendar year.
reporting OECD countries (out of 32 in the OECD
area) and 20 other reporting jurisdictions (out of
Poor financial results of pension funds in 2018
31 outside the OECD area). Equities remained the
probably result from the downturn on equity
main investment of pension funds in Botswana,
markets in the last quarter of 2018. Some of the
Hong Kong (China), Namibia and Poland where
major stocks indices fell sharply in 2018 compared
they accounted for more than half of assets invested
to 2017, This negative performance on equity
in 2018. The proportion of equities in the asset
markets contributed to the decline of pension
29Part I
mix of pension funds remained high in Australia, equities in most jurisdictions. These instruments
Belgium, Finland, Lithuania and Netherlands accounted for more than 75% of pension fund
among OECD countries and in Malawi, Pakistan, investments in 36 out of 63 reporting jurisdictions.
Papua New Guinea and Peru among non-OECD Any developments in equity and bond markets
jurisdictions where they represented between 40% therefore affect investment returns of pension
and 50% of their investments. Pension fund assets funds.
remained mostly invested in bills, bonds and
Chart 1.8: Asset allocation of pension funds in selected investment categories in 2018(preliminary)
Source: OECD Pension Market Focus, May 2019.
30Annual Report | 2018-19
1.5 Major Announcement for NPS in Budget India is the second most populated country in the
2019 world. There are 29 states and 7 union territories
in India the populations range massively in size
1) Pension Fund Regulatory and Development
– the largest, Uttar Pradesh, holds the highest
Authority (PFRDA) implements and
population approximately 19.98 crore and the
regulates the National Pension System
smallest state is Sikkim with approximately
(NPS) and Atal Pension Yojana through
population of 6.10 lakh. India’s demographic
various intermediaries including, inter-
dividend makes it a young country and is
alia, the NPS Trust. Keeping in view the
expected to remain so for the next couple of
wider interest of the subscribers and to
decades. About 50% the population was under
maintain arm’s length relationship of the
the age of 25 years as per Census 2011, almost
NPS Trust with PFRDA, steps will be taken
90% of the population was below the age of 60
to separate the NPS Trust from PFRDA
years and the working age population proportion
with appropriate organizational structure.
stood at 44% in 2015. The declining fertility
2) Incentives to National Pension System rates, declining infant mortality and increasing
(NPS) subscribers: In order to give effect longevity are the three dominant demographic
to the cabinet decision already taken to processes that drive the growing share of older
incentivise NPS, it is proposed to : Indians.
(i) increase the limit of exemption from
As per WHO report, global life expectancy
current 40% to 60% of payment on final
at birth in 2016 was 72.0 years (74.2 years for
withdrawal from NPS;
females and 69.8 years for males), ranging from
(ii) allow deduction for employer’s
61.2 years in the WHO African Region to 77.5
contribution upto 14% of salary from current
years in the WHO European Region, giving a
10%, in case of Central Government
ratio of 1.3 between the two regions. Women live
employee;
longer than men all around the world. The report
(iii) allow deduction under section 80C for reveals, India’s life expectancy has also been on
contribution made to Tier II NPS account the rise – going from 62.5 in 2000 to 68.8 in 2016.
by Central Government employees for a
fixed period of not less than three years. In India, traditionally, the pension was available
mostly for the Government employees and to
3) Services by National Pension System (NPS)
some organised sector workers. To extend the
Trust to its members against consideration
benefit of pension to the general public it was
in the form of administrative fee to be
intended to have a pension system in place which
exempted from Goods and Service Tax.
can facilitate and spread the coverage of Pension
in the Country to secure the old age income.
1.6 Indian Demography and Old Age Income The United Nations Population Fund (UNFPA)
Security: report has pointed that in India, persons above
60 would increase from existing 8.9 per cent of
As the 7th largest country in the world, India
the population to 19.4 per cent of the population
stands apart from the rest of Asia, marked off as
and persons above 80 would increase from the
it is by mountains and the sea, which give the
existing 0.9 per cent to 2.8 per cent by 2050.
country a distinct geographical entity. India’s
rich demographic dividend makes the country The rise in proportion of old aged persons and
young. About 50% the population was under the Government pensioners has put increasing
age of 25 years as per Census 2011, almost 90% of pressure on the fiscal. Higher government
the population was below the age of 60 years and spending on pensions and old age security
the working age population proportion stood at has often crowded out expenditure on other
44% in 2015. However, the population is also important public goods and services and
ageing with each passing day. developmental sectors like education, health,
infrastructure etc. A number of countries
31Part I
includes Greece have had to bear the impact of who joined service before 2004, Employees’
unstainable pension liabilities on their entire Provident Fund (EPF) and Employees’ Pension
economy. Scheme(EPS) under the EPFO, other Statutory
Provident Funds like Coal Mines, Seamen’s
Due to rising and unsustainable pension
Assam Tea Plantations etc. schemes, the National
liabilities, in keeping with the global practices
Pension System (NPS) for the Central government
and after deep deliberations on the issue,
employees joining on or after 1st January 2004
Government made a conscious move to shift
on mandatory basis, Employees of those State
from the defined benefit pension scheme to the
Governments who have joined NPS, NPS for
defined contribution pension scheme. Initially for
all citizens on voluntary basis covering both
the Government employees. The New Pension
employees and self-employed including those in
Scheme, now renamed as National Pension
the unorganised sector, Public Provident Fund,
System (NPS) was introduced by the Government
retirement and superannuation plans offered by
through a notification No. 5/7/2003-ECB & PR
insurance companies and mutual funds.
dated 22nd December, 2003 and it was made
mandatory for Central Government employees The fiscal stress of the defined benefit pension
(except armed forces) who join service w.e.f. 1-1- system was the major factor driving pension
2004. reforms for Government employees and
introduction of NPS for Government employees.
The National Pension System (NPS), which was
Owing to the financial and practical difficulties
introduced initially for the Central government
of extending coverage to the unorganised
subscribers, has now been adopted by all the
sector through the mandatory scheme like
state governments except West Bengal, and most
EPF (specially for organized sector workers),
of the Central and States autonomous bodies.
voluntary retirement savings are seen as an
NPS has also been extended to the private and
important policy tool to extend the coverage of
unorganized sector on voluntary basis from May
pension provision in India. The important policy
2009.
measure to achieve a higher coverage of the
unorganised sector workers under the pension
Government of India vide notification dated
system (about 88% of the total labour force
31.01.2019 has notified the increase in its
of 47.29 crore workers is without any formal
contribution to central government employees
pension provision) is the extension of the NPS,
NPS accounts from 10% to 14% with effect
which is a financially self-sufficient, low cost and
from April 1, 2019.As per the notification, “The
efficient system.
monthly contribution would be 10 percent of
the Basic Pay plus Dearness Allowance (DA) to
NPS introduced earlier for the government
be paid by the employee and 14 percent of the
sector has also been extended to other segments,
Basic Pay plus DA by the Central Government”.
such as, autonomous bodies, State Governments
Greater freedom in choosing pension funds and
and un-organised sector. NPS has been adopted
pattern of investment to central government
resoundingly by the State Governments.
employees has also been notified along with
Twenty Eight State Governments and Union
compensation for non/delayed deposit of NPS
Territories have notified adoption of NPS for
contribution.
their new employees. To encourage people from
the unorganised sector to voluntarily save for
1.7 Indian Pension Landscape
their old age, Government had launched the co
The landscape of Indian pension system contribution scheme – NPS Lite/Swavalamban
includes non-contributory social pension Scheme in September, 2010, Subsequently, Atal
schemes financed by the Government to provide Pension Yojana (APY) was launched on 9th May,
minimum level of protection like National Social 2015 by the Prime Minister and the Scheme is
Assistance Programme (NSAP), mandatory being implemented with effect from 1st June,
defined benefit pension scheme on pay-as-you- 2015 with the focus on unorganized sector.
go basis like Civil Service Pension for employees The Subscribers under APY shall get a Govt
32Annual Report | 2018-19
guaranteed pension of Rs. 1000, Rswa. 2000, Rs. the NPS to all citizens is increasing the awareness
3000, Rs. 4000 or Rs. 5000 depending upon the and financial literacy among potential subscribers.
contribution level opted by them . APY, a defined PFRDA has been taking several steps to increase
benefit pension scheme has a total of about 149.53 the awareness through different mass media and
lakh subscribers and AUM of Rs. 6860.30 crore as capacity building programmes. PFRDA has also
on 31st March 2019. As on 31st March, 2019, 406 allowed registration of retirement advisors who
Banks are registered as APY – Service Providers have a responsibility to help the prospective as
which include Public Sector Banks, Pvt. Banks, well as existing subscribers in deciding retirement
Foreign Banks, Regional Rural Banks, District plans and guide them toward a financially secure
Commercial Banks, Schedule Commercial Banks, retirement.
Urban Commercial Banks, Payment Banks, Small
Further, to ensure dissemination of NPS
Finance Bank and Dept. of Post.
awareness, PFRDA has aggressively undertaken
Till 31st March 2019, a total of 273.55 lakh promotional and developmental activities by
members/ subscribers have been enrolled under appointing a dedicated agency for imparting
the NPS and APY. Assets Under Management training and capacity building for officials of
which includes the returns on the corpus, under Service Providers.
the NPS and APY have witnessed an increase
To improve ease of access to NPS for the potential
from Rs. 2,34,579 crore as on 31st March, 2018
subscribers and service providers, PFRDA has
to Rs. 3,18,214 crore as on 31st March, 2019,
leveraged technology across the value chain and
registering an increase of 36 per cent. The number
launch of eNPS, Mobile apps, e-KYC etc. which
of Subscribers and Assets Under Management
are driving the efficiencies. Through e-NPS, a
under NPS are given in table below:
person can conveniently register & contribute
Table no 1.1: Number of Subscribers and Assets online. Online contribution facility under NPS is
Under Management under NPS/APY also available for the existing subscribers. eNPS
facilitates opening of Individual Pension Account
(As on 31st March 2019)
under NPS and making initial and subsequent
Sector No. of subscribers AUM contribution to the Tier I as well as Tier II account
(Rs. crore) online. This feature also enables the subscribers
to change their Pension Fund Managers, Asset
Class, Allocation Ratio, and Scheme options
Central Government 19,84,564 1,09,010
after authentication. NPS subscribers can initiate
State Government 43,21,325 1,58,491 withdrawal request from Tier II account by using
their login credentials and OTP authentication on
Corporate 8,03,015 30,875
registered mobile number.
All Citizen Model 9,29,931 9,569
1.8 A Brief on the review of the objectives of
NPS Lite 43,62,538 3,409
PFRDA during the year.
Swavalamban
APY 1,49,53,432 6,860 The preamble to the PFRDA Act 2013, lays down
the objectives of the Authority as the promotion of
Grand Total 2,73,54,805 3,18,214
old age income security, through regulation and
Source: NPS Trust
development and protection of the interests of the
subscribers to schemes of pension funds and for
NPS and APY schemes have recorded a rapid
matters connected therewith or incidental thereto.
growth over the period. Government support
to these schemes in the form of tax benefits and PFRDA has been actively engaged in the
guarantee for APY increases the appeal of these promotion and development of National Pension
schemes but the schemes still require traction system (all its variants) and Atal Pension Yojana
from the people, considering the vast population , regulation and supervision of all intermediaries
of the Country. The major challenge in extending under NPS towards the overall objective of
33Part I
provision of old age income security and the IT supervisory processes, the PFRDA, is
protection of subscriber’s interest. While engaged focusing on implementation of cyber security,
in these activities, in keeping with the Preamble and will ensure the coverage.
of PFRDA Act 2013 and the Best Global practices,
Efficiency
the PFRDA endeavours to achieve the following
broad objectives/outcomes:
It has been the Authority’s endeavour to optimize
• Increasing Coverage the efficiency in the system through maximizing
returns to the subscribers subject to acceptable
• Security
risks. This has been done through review of
• Efficiency
the investment guidelines from time to time to
• Adequacy optimize the returns. Introduction of two new life
• Sustainability cycle funds viz LC 25 and LC 75 and introduction
of a new Asset class “A” for private sector
Increasing Coverage
subscribers are some of the steps in this direction.
Provision of the old age income security to all
Efficiency also relates to the efficiency of the
sections of the population has been one of the
labor and capital markets, as each interacts with
important objectives of the Authority. While
the pension system through direct contributions
PFRDA Act 2013 mandates regulation of NPS, a
to pensions (through longer working lives and
number of variants of NPS have been introduced
contributions, lower costs of capital, or greater
to cover different sections of the population
financial inclusion) as well as through indirect
viz Central Government, State Government,
contributions to jobs and investment. PFRDA
corporate, All citizens, NPS Lite, Atal pension
has been actively engaged in financial inclusion
Yojana( a GOI scheme, administered by PFRDA).
through awareness creation for APY subscribers
The Authority has been engaged in expanding
in particular & NPS in general.
coverage through creation of mass awareness
through Print, electronic and social media, For capital markets, efficiency relates to capital
engaging a training agency for imparting training market depth through the development of
and capacity building for officials of banks, post non-bank financial capital to fund productive
offices, POPs, Nodal Offices etc., appointment investment and maximize the benefits of wider
of retirement advisors etc., facilitating ease of capital market reforms. PFRDA has been parts
on-boarding and transaction through eNPS etc. of inter regulatory groups and committees in
Consequently, the subscriber base under NPS has furtherance of these objectives.
grown from 211.78 lakhs in FY 2017-18 to 273.55
The other endeavor of the Authority is to
lakhs in FY2018-19 i.e. a growth of 36%.
strengthen the intermediaries under NPS. The
Security strengthening of intermediaries is very important
as to have a fair and transparent system.
PFRDA has put in place an extensive framework of
Strengthening by the means of sharing and
regulations under the PFRDA Act 2013 to ensure
imparting correct knowledge to Intermediaries
the security of pension assets to minimize the risk
about the product and process, laying of proper
to the pension funds that have been accumulated
guidelines enables the entire system to function
to provide retirement benefits. These regulations
properly. The disciplined system ensures and
include strenuous eligibility criteria for selection,
protects the subscribers’ interest.
detailed Corporate Governance frameworks, fit
and proper criteria, extensive code of conduct, Adequacy
detailed roles and responsibilities, penalty
One of the important objectives of any pension
structures for all intermediaries including pension
system is ensuring that consumption smoothening
funds to ensure the security of assets. These
of subscribers during their life cycle i.e. facilitating
regulations have been reviewed and strengthened
accumulation of retirement benefit entitlements
from time to time. In order to further strengthen
to enable them for old age income security. While
34Annual Report | 2018-19
NPS is a defined contribution scheme, without NPS. A PoP is the first point of interaction between
guarantee of any benefits, however, as a measure the subscriber and the NPS. The registered PoPs
of Good practice, Authority’s endeavour has have authorized branches called POP-Service
been to work towards ensuring adequate pension providers (PoP-SP) to act as collection points and
wealth on retirement, through various measures extend services to customers. The functions of the
including increasing the age of contribution PoP include: Subscribers Registration, Processing
to NPS beyond 60 years, review of investment subscriber contributions, change in personal
guidelines for optimizing returns, increasing details, change in investment scheme/fund
contributions through engaging with Govt for manager, processing subscriber shifting from
tax concessions etc. Further going ahead, under one model to the other, issuing printed account
voluntary sector viz All Citizen Model, Corporate statement, processing of withdrawal/ exit request
Model has been allowed to onboard NPS even on superannuation etc.
after 60 years of age.
b) Government Department Nodal Offices
Sustainability
Central Government Nodal Offices
Sustainability is one of focal point of any
PrAO, PAO and DDO
contributory pension system. Through NPS, there
is an effort to offer pension product to different
The Principal Accounts Office (PrAO), Pay
segment of society of the country, which can
and Accounts Office (PAO) and Drawing &
sustain in a long run to achieve the ultimate goal
Disbursing Office (DDO) under the Central
of providing a secured old age income. NPS is a
Government or analogous offices under Central
defined contribution scheme, with institutional
Government and Central Autonomous Bodies are
framework and product design, it empowers itself
intermediaries which interact with CRA on behalf
to sustain in a long run. The continued savings
of the Subscribers for purpose of NPS.
habit and investment discipline has important
role to play in achieving the endeavor of a State Government Nodal Offices
sustainable pension system. PFRDA has initiated
DTA, DTO and DDO
several steps to increase the awareness level of
retirement saving/pension and to in furtherance The Directorate of Treasury and Accounts (DTA),
of these objectives. District Treasury Office (DTO) and Drawing
& Disbursing Office (DDO) under the State
1.9 Intermediaries under NPS
Governments or analogous offices under State
1.9.1 Intermediaries and other entities Governments and State Autonomous Bodies are
associated with National Pension System and intermediaries which interact with CRA on behalf
other pension schemes covered under the Act of the Subscribers for purpose of NPS.
The National Pension System (NPS) works Nodal Offices are the identified offices of Govt.
under an unbundled architecture with each agencies register under CRA system for various
function assigned to specialized entities in the operational works under NPS. These offices are
field. The NPS architecture consists of Points of identified by a unique number, i.e., Pr.AO /PAO/
Presence (POP), Govt. Department Nodal Offices, DDO registration number that is allotted to them
Central Recordkeeping Agency (CRA), Trustee by the CRA on successful registration. The office
Bank, Pension Fund Managers (PFM‘s), NPS has major role to play few of them are as below:
Trust, Custodian, Annuity Service Providers &
• Submit Subscriber registration forms to
Retirement Advisers.
PAO for subscriber registration
a) Points of Presence (PoPs) • Distribution of PRAN kit to Subscribers
• Providing timely and accurate information
Points of Presence are banks and non-banking
to PAO about Subscriber’s contribution
financial companies etc registered with PFRDA for
registration and servicing of the subscribers to the • Forwarding Subscriber’s request to PAO
35Part I
for subscriber maintenance e) Pension Funds (PFs)
• Resolving Subscriber’s Grievances
These are professional pension fund managers
• Forwarding subscriber’s Withdrawal appointed to invest, judiciously and prudently,
requests to PAO etc. the pension corpus in a portfolio of securities
and manage them. Currently the pension fund
c) Central Record-keeping Agency (CRA)
managers under NPS are –ICICI Prudential
Pension Funds Management Company Ltd.,
NSDL e-Governance Infrastructure Ltd. and
LIC Pension Fund Ltd, Kotak Mahindra Pension
Karvy Computer Share Pvt. Ltd. have been
Fund Ltd., Reliance Capital Pension Fund Ltd.,
designated the CRAs for the NPS. Their main
SBI Pension Fund Pvt. Ltd., UTI Retirement
functions include:
Solutions Ltd, and HDFC Pension Management
• Maintaining subscriber records, Co Ltd., Birla Sun Life Pension Management
administration and customer service Limited. Their functions include:
functions.
• Ensuring investment as per investment
• Issuing Permanent Retirement Account
guidelines
Number (PRAN) for each subscriber,
• Investing the contributions in the schemes
maintaining the database of all PRANs and
as per the instructions provided by CRA.
recording transactions relating to each
PRAN. • Constructing the scheme portfolio.
• Acting as the interface between the various • Maintenance of books and records,
intermediaries of the NPS system. This reporting to authorities and making
includes monitoring contributions by each disclosures.
member and instructions and
communication of the same to the pension f) Custodian of Securities
funds. Periodically, they also send PRAN
The securities purchased from NPS corpus in the
statement to each member.
name of the NPS trust are held by the Custodian
• Providing a centralized grievance of Securities, who also facilitates securities
management system. transactions by making and accepting delivery
• Providing timely fund transfer related of securities. The PFRDA has appointed the
information to fund managers. Stock Holding Corporation of India Ltd as the
• Co-ordinate with the trustee bank for Custodian. The functions include:
remitting withdrawal funds to subscriber‘s
• Having Custody of the Securities held in
account and to annuity service provider
the name of NPS Trust, purchased out of
for the annuity scheme.
NPS Corpus.
• Maintaining details of securities held.
d) Trustee Bank
• Collecting the benefits like dividend,
The trustee bank handles the flow of funds
rights, bonus etc. on securities.
between various intermediaries under NPS.
• Informing about the actions of the issuers
Presently, Axis Bank Ltd is the designated bank
of securities held that may impact the
to facilitate fund transfers across subscribers,
benefits.
fund managers and the annuity service providers
based on the instructions received from the CRA.
g) NPS Trust
The trustee bank receives funds from the nodal
offices/PoPs/Aggregators and reconciles it with NPS Trust is a trust set up under the Indian Trusts
the Subscriber contribution file. The trustee bank Act, which holds the assets of the NPS for the
holds the funds in the name of the NPS Trust and benefit of subscribers. The trust has the fiduciary
the subscribers are the beneficial owners. responsibility of taking care of the funds and
36Annual Report | 2018-19
protecting the subscriber interests. The NPS or other pension scheme regulated by PFRDA
trust monitors and supervises the functioning to prospects/subscribers or other persons or
of the Pension Funds and interacts with other group of persons and is registered as such under
intermediaries like the Central Record Keeping PFRDA (Retirement Adviser) Regulations, 2016.
Agency (CRA), Trustee bank, Custodians and The list of Individual & other than Individual
other entities. Retirement adviser are available on PFRDAs’
website
h) Annuity Service Providers
1.9.2 Types of Account
Annuity Service Providers (ASPs) are insurance
companies regulated by IRDAI, and empanelled Under NPS following two types of accounts are
by the PFRDA to provide the annuity to the available:
NPS subscribers from the bouquet of annuities
1. Tier-I account: Under Tier-I account the
offered by them. Presently five ASPs have
subscriber contributes his savings for
been empanelled which are Life Insurance
retirement/ pension into this partially-
Corporation of India, HDFC Life Insurance Co.
withdrawable account. Premature
Ltd, ICICI Prudential Life Insurance Co. Ltd.,
withdrawals are allowed subject to certain
SBI Life Insurance Co. Ltd., Star Union Dai-ichi
conditions.
Life Insurance Co. Ltd.
2. Tier-II account: This is a voluntary
i) Retirement Advisers investment account where the subscriber
is free to deposit and withdraw the savings
Retirement adviser means any person being
from this account whenever he/she wishes.
an individual, registered partnership firm,
body corporate, or any registered trust or Beside NPS, PFRDA also administers and
society, who desires to engage in the activity of regulates the Atal Pension Yojana.
providing advice on National Pension System
Table:1.2 Performance Highlights of National Pension System/Atal Pension Yojana during
FY 2018-19.
(In numbers)
Measures As on end of FY 17-18 As on end of FY 18-19 Growth (%)
Government Subscribers 57, 89,217 63,05,889 8.92
All Citizen + Corporate Subscribers 13,87,401 17,32,946 24.91
APY Subscribers 96,05,713 1,49,53,432 55.67
No. of POP-SPs 79,640 81,983^ 2.94
No. of APY-SPs 399 406 1.75
No. of CABs 545 559 2.57
No. of SABs 1078 1154 7.05
No. of Corporates 4,559 5,964 30.82
No. of officials trained (FY wise) 65,520 36706* 56.02
^ Considered for NSDL CRA, as it has maximum number of registered POP-SPs.
* Incremental conducted by Hero Mindmine Institute Private Ltd.
37Part II
• Government subscribers have increased • Corporate sector offers NPS to their
from 57.89 lakh as end of March 2018 to employees on mandatory or voluntary
63.06 lakh subscribers as end of March basis. As end of March 2019, as per CRAs
2019, registering an increase of 5.17 lakh reports total 5964 corporates are registered
(8.92%). under NPS against 4559 corporates as end
• Under Private sector, number of corporate of March 2018.
subscribers have increased from 6.96 lakh • For fulfilling PFRDA’s mandate of
as on end of March 2018 to 8.03 lakh as creating awareness about the need of
on end of March 2019, an increase of 1.07 saving for retirement and retirement
lakh (15.37%) subscribers. The subscribers planning, PFRDA undertakes various
under UoS/All Citizen have increased activities including imparting training
from 6.91 lakh as end of March 2018 to 9.30 through training agencies selected by
lakh as end of March 2019, an increase of PFRDA. These training agencies impart
2.39 lakh (34.59%) subscribers. training to the Central and State Govt.
• No. of APY subscribers have recorded nodal officers- Pay & Accounts Offices
steady growth, it has increased from 96.06 (PAOs), Drawing & Offices (DDOs), Points
lakh subscribers at end of March 2018 to of Presence/ banks/ Post Offices
149.53 lakh at end of March 2019. In aggregators, etc. involved in the
percentage terms, it witnessed a growth of registration of subscribers, about the salient
55.67%. features of the NPS / APY, the process of
joining etc. Further, training workshops/
• PoP-SPs increased from 79640 as end of
camps have been organized for subscribers
March 2018 to 81983 as end of March 2019.
across the sector and geography as a part
• The no. of Service Providers for APY has
of a wider financial consumer protection
marginally increased from 399 as end
policy. Total 911 batches in four zones viz.
of March 2018 to 406 as end of March 2019,
East, West, North & South and a total of
registering a growth of 1.75 %.
36706 individuals were trained during
• All employees of Central Government the period (8/8/2018 – 31/03/2019). The
along with CABs and State governments total number of individual trained put
along with SABs which have adopted together FY 2017-18 & FY 2018-19 is 102226.
NPS are to be mandatorily covered under It has recorded growth of 56.02%.
NPS. This year 14 new CABs and 276 SABs
have been brought under NPS taking
total no. of CABs and SABs to 559 and
1154, respectively.
38Annual Report | 2018-19
Part II
Investment of Funds under NPS
This chapter deals with the investments of funds The investment management fee charged by
under NPS and other pension schemes covered under Pension Funds for managing the Govt. sector
the Act, and the extent of exposure in the National schemes is presently 0.0102 per cent per annum of
Pension System, in different categories of investments the assets under management.
including Government securities, debt securities
2.1.3 List of Pension Funds (PFs) for Private
and equities in accordance with Appendix II of the
Sector NPS schemes
Pension Fund Regulatory and Development Authority
(Reports, Returns and Statements) Rules, 2015. i. HDFC Pension Management Co. Ltd.
ii. ICICI Prudential Pension Fund Management
2.1 Pension Funds (PFs)
Co. Ltd.
Pension fund means an intermediary which has iii. Kotak Mahindra Pension Fund Ltd.
been granted a certificate of registration under
iv. LIC Pension Fund Ltd.
sub-section (3) of section 27 by the Authority
v. Reliance Capital Pension Fund Ltd.
as a pension fund for receiving contributions,
vi. SBI Pension Funds Pvt. Ltd
accumulating them and making payments to the
subscriber in the manner as may be specified by vii. UTI Retirement Solutions Pvt. Ltd
regulations. viii. Birla Sun Life Pension Management Limited
The Investment management fee charged by
2.1.1 Functions of Pension Funds
Pension funds for the non-govt. sector schemes
The functions of the Pension Funds include, but is 0.01 per cent per annum of the assets under
management.
are not limited to the points mentioned below:
2.2 Schemes
a) Professional investment of assets under
management as per investment guidelines
Presently the following Scheme(s) under National
prescribed by the Authority and in the best
Pension System are managed by the Pension
interest of subscribers.
Funds:
b) Scheme portfolio construction as per laid
out schemes by the Authority. a) Scheme applicable to Central Government
Employees and employees of Central
c) Maintenance of books and records of its
Autonomous Bodies – This scheme is called as
operations.
the CG scheme and has the following investment
d) Reporting to the Authority and NPS Trust
pattern:
at periodical interval.
e) Public disclosure. Table No. 2.1 Allocation of assets in CG Sector
f) Other activities as specified under Pension
S.N. Asset class / instruments Maximum
Fund Regulatory and Development exposure
Authority (Pension Fund) Regulations, 2015 i Government Securities and Related Investments 50%
including State Development loans *
and amendments thereto.
ii Debt Instruments and Related Investments 45%
2.1.2 List of Pension Funds (PFs) for Government iii Short term Debt Instruments and Related 5%
Sector NPS Schemes (i.e. CG and SG), and APY. Investments #
iv Equities and Related Investments 15%
i. LIC Pension Fund Limited v Asset Backed, Trust Structured and Miscellaneous 5%
Investments
ii. SBI Pension Funds Pvt. Ltd
following changes have been affected w.e.f. April 01, 2019.
iii. UTI Retirement Solutions Ltd *for investments under Government Securities and Related Investments including State Development loans the limit has been
changed to 55%.
#for investments under Asset Backed, Trust Structured and Miscellaneous Investments the limit has been changed to 10%.
39Part II
The Assets under management are c) Schemes applicable to Individuals and
distributed across three pension funds Corporates: -
viz LIC pension Fund LIC Pension Fund The following schemes are applicable to the
Limited, SBI Pension Funds Pvt. Ltd individual and corporate subscribers: -
and UTI Retirement Solutions Ltd as per
directions of the Authority in accordance 1. NPS- Lite Scheme - This follows the same
with the last year returns. The Assets under asset allocation pattern as the CG scheme.
management for the FY 2018-19 have been However, the aggregators can choose any
allocated to SBI Pension Fund Pvt. Ltd, UTI one pension fund from the eight pension
Retirement Solution Ltd. and LIC Pension funds.
Fund Ltd. in the ratio 33.5:34.5:32(w.e.f 2. APY Scheme: This follows the same asset
07/05/2018). allocation pattern as the CG scheme. The
b) Scheme applicable to State Govt. Assets under management are distributed
employees and employees of State across three pension funds viz LIC Pension
Autonomous bodies – This scheme is Fund Limited, SBI Pension Funds Pvt. Ltd
called as the SG scheme and it follows and UTI Retirement Solutions Ltd.
the same investment pattern and pension 3. Corporate CG Scheme- This follows the
funds as the CG scheme. The Assets under same asset allocation as the CG scheme.
management for the FY 2018-19 have been However, the employer/ employee can
allocated in to SBI Pension Fund Pvt. Ltd, choose one pension fund from the three
UTI Retirement Solution Ltd. and LIC public sector Pension Funds (i.e. to SBI
Pension Fund Ltd in the ratio 33.5:34:32.5 Pension Fund Pvt. Ltd, UTI Retirement
(w.e.f 07/05/2018). Solution Ltd. and LIC Pension Fund Ltd.).
This scheme has been closed for any fresh
The details of the schemes wise asset under
employees.
management is given in the table below: -
4. E-C-G-A pattern for Tier I & Tier II – The
Table 2.2: Details of Asset under Management
assets are invested in Equity, Corporate
(Rs. in Crore)
Bonds, Government Securities and
Scheme Mar-18 Mar-19 % Growth Alternative Investment Funds SEBI
CG 84955 1,09,011 Regulated ‘Alternative Investment Funds’
AIF (Category I and Category II only)
SG 115989 1,58,881
as defined under the SEBI (Alternative
Subtotal 200944 2,67,892 33%
Investment Fund) regulations 2012.
Cor.CG 14846 20683
E-I 4308 7234
C-I 2847 4422
G-I 4243 6897
A-I 7 20
E-II 217 325
C-II 162 209
G-II 181 263
NPS Lite 3006 3409
APY 3818 6860
Subtotal 33636 50322 50 %
Grand Total 234579 3,18,214 36%
*Source NPS-Trust
Note: Corporate CG does not include AUM of Damodar Val-
ley Corporation accordingly AUM of Rs. 309.69 cr. (last year
Rs. 309.94 cr.) is shown under SG.
40Annual Report | 2018-19
Table 2.3: Pension Fund wise and scheme-wise Asset under Management as on March 2019
(Amount Rs. in Crores)
Pension Fund SBI LIC UTI ICICI Reliance Kotak HDFC Birla Total
Schemes
CG 38453.66 33995.76 36561.29 - - - - - 109010.71
SG 53946.41 51995.69 52939.00 - - - - - 158881.10
Corporate- CG 18709.21 1973.58 - - - - - - 20682.79
A-I 4.48 1.06 1.14 3.18 0.21 1.05 7.73 0.67 19.52
E-I 2421.64 556.63 378.21 1369.58 102.21 275.20 2081.86 48.88 7234.22
C-I 1557.26 351.06 216.34 830.39 64.97 171.76 1205.67 24.62 4422.08
G-I 2851.19 567.84 329.66 1069.07 104.77 237.11 1708.95 28.16 6896.77
E-lI 101.58 14.26 23.31 80.50 7.66 19.55 73.81 4.77 325.44
C-11 68.11 9.70 12.91 59.51 4.49 11.40 39.97 3.01 209.08
G-I1 92.60 18.77 16.85 63.73 5.03 15.90 46.69 3.11 262.69
NPS Lite/
Swavlamban 1411.57 980.32 964.68 - - 52.67 - - 3409.24
APY 2341.31 2254.55 2264.46 - - - - - 6860.31
Total 121959.00 92719.22 93707.84 3475.97 289.35 784.64 5164.69 113.22 318213.94
The table above indicate that the asset under schemes in aggregate grew by Rs. 16,687 crores.
management for government sector NPS
As explained above, the different schemes are
schemes (CG and SG) has grown by around 33%,
managed by different Pension Fund managers,
however the asset under management of the
the details of asset under managment of various
schemes other than these two schemes has grown
schemes under the respective pension funds are
by around 50%. In terms of absolute number, the
given below:
government sector schemes grew by Rs. 66,948
crores whereas other than government sector
2.3 Exposure of different categories of investments and various schemes regulated and
administered by PFRDA.
A. The maximum prescribed exposure, as per the investment guideline of PFRDA in respect of the
portfolio under CG, SG, Corporate CG and NPS Lite and APY scheme in various investment
instruments has been provided in the table below:
Table 2.4: Allocation of assets in Asset class in Govt. Sector
Category Asset class / instruments Maximum
exposure
i Government Securities and Related Investments including State 50%
Development loans*
ii Debt Instruments and Related Investments 45%
iii Short term Debt Instruments and Related Investments# 5%
iv Equities and Related Investments 15%
v Asset Backed, Trust Structured and Miscellaneous Investments 5%
following changes have been affected w.e.f. April 01, 2019
*for investments under Government Securities and Related Investments including State Development loans the limit has been changed
to 55%
#for investments under Asset Backed, Trust Structured and Miscellaneous Investments the limit has been changed to 10%
41Part II
B. Subscribers opting for the schemes other than the Government sector schemes (CG and SG), NPS
Lite, corporate CG and APY, can decide the allocation of their assets in Asset class E (Equity),
asset class C (Corporate Debt), asset class G (Government Securities) and Asset class A (Alternate
Assets) as per the table below:
Table 2.5: Allocation of their assets in Asset class other than the Government sector
Category Asset class / instruments Maximum exposure
i Government Securities and Related Investments including State 100%
Development loans
ii Debt Instruments and Related Investments 100%
iii Short term Debt Instruments and Related Investments 5%
iv Equities and Related Investments 75%
v Asset Backed, Trust Structured and Miscellaneous Investments 5%
In case of Tier - II accounts, no investment is permitted in Asset class A, other prudential ceilings
remaining the same.
The asset class wise bifurcation of the assets under management as on March, 2019 vis a vis March 2018
is given below: -
Table 2.6: Asset Class wise bifurcation of Asset Under Management
Asset Class 31-Mar-18 31-Mar-19
Amount % of Amount % of
(Rs in Crore) Investment (Rs. in Crore) Investment
G-Sec 1,13,230 48.27% 1,50,576 47.32%
Corporate Bond 80572 34.35% 1,11,384 35.00%
Equity 32703 13.94% 45086 14.17%
Money Market 2760 1.18% 2802 0.88%
Cash & Net Current Assets 5314 2.26% 8366 2.63%
Total 2,34,579 3,18,214
Source: As per reports received from NPS Trust
Chart : 2.1 Asset Class wise bifurcation of Asset Under Management
42Annual Report | 2018-19
2.4 Regulations, Notification, issuance of government sector, the CRA would monitor
major circulars / Guidelines w.r.t. Pension “the ceiling of exposure in Asset class E (equity)
Fund. upto 75%, C (Corporate debt) upto 100%, G
(Government Securities) upto 100% and Asset
1. Issuance of circular on Common
Class A (for tier I only) upto 5% respectively’, to
Stewardship Code for the Pension Funds under
ensure that such limits are adhered to.”
NPS dated 04.05.2018
4. Change in Investment guidelines for NPS
Pension Funds are expected to shoulder
schemes w.r.t. investment in Equity Mutual
greater responsibility towards the subscribers/
funds by Pension Funds dated 20.08.2018.
beneficiaries by enhancing monitoring and
engagement with the investee Companies. It has been decided by the Authority to put a limit
Such activities are commonly referred to as of 5% on investment in Equity Mutual Funds in a
‘Stewardship Responsibilities’ of the institutional manner that the aggregate portfolio invested in
investors and asset managers and are intended to such mutual funds shall not be excess of 5% of
protect the subscribers’ pension wealth. In view the total portfolio of the fund at any point in time
of the same, the Authority has issued a circular and the fresh investment in such mutual funds
on Common Stewardship Code to be followed by shall not be excess of 5% of the fresh accretions
all the Pension Funds under NPS Architecture. invested in the year.
2. Revised rating criteria for investments Further, it has been decided that the amount of
under NPS schemes dated 08.05.2018 investment in any mutual funds mentioned in
any of the categories or ETFs or index Funds
It has been decided by the Authority to allow
made by Pension Funds through professional
Pension Funds to invest in corporate bonds/
fund / asset managers shall be excluded for the
securities which have a minimum of “A” rating
purpose of computing their management fee.
or equivalent in the applicable rating scale
subject to a cap on investments between A to 5. Clarification on Circular No. PFRDA/2018/56/
AA- rated bonds to be not more than 10% of PF/2 dated 20th August, 2018, Change In
the overall Corporate Bond portfolio (Scheme/ Investment Guidelines for NPS Schemes w.r.t.
Asset class C) of the Pension Fund referred in the Investment In Equity Mutual Funds by Pension
subject investment guidelines. Funds, circular dated 02.11.2018.
The Pension Funds are required to submit a This circular provides clarification on the
quarterly statement on the investments made in issues being faced by Pension Funds while
securities which have a minimum rating of ‘A’ implementing the revised guidelines for
and their performance including downgrades in investment in Equity Mutual Funds, ETF or
this category, if any, to NPS Trust for monitoring Index Funds as mentioned in the circular dated
of such investments. 20th August, 2018, below are the clarification
issued:
3. Amendments to Investment guidelines
for NPS schemes (other than Govt. Sector (CG i) Investment made by Pension Funds
& SG), Corporate CG, NPS Lite and APY) dated in Liquid Mutual Funds would not be
22.05.2018 excluded for payment of Investment
management fee. Accordingly, Pension
The cap on equity investments has been increased
Funds shall be eligible for payment of IMF
to maximum of 75% from the current permissible
for investment in Liquid Mutual Funds.
limit of 50% in active choice for private sector
ii) In order to protect the interest of the
subscribers under NPS, with tapering off of the
subscribers’, PF may continue holding of
equity allocation after attaining the age of 50
the mutual funds units till they complete
years by subscriber.
one year so that exit load is avoided.
In the interest of subscribers in the non- iii) Investment Management Fee is allowed to
43Part II
be charged on all investments including while implementing the circular on the revised
those in ETFs etc. when the PFs were guidelines for investments in Mutual funds,
allowed to charge IMF on such investment ETFs, indexed funds mentioned under point
prior to issuance of the circular dated 4 above. Therefore, certain clarifications were
20.08.2018. But IMF on Mutual Funds issued by the Authority i.e the investments
(excluding liquid mutual fund), ETFs or made by Pension Funds in liquid Mutual
Index Fund investment made on or after Funds would not be excluded for payment of
the issuance of circular is excluded for investment management fee. Further, in order
the purpose of computing investment to protect the interest of subscribers, the Pension
management fee. Funds may continue holding the mutual funds
till they complete one year so that exit load is
6. Corporate Model NPS : Revision in the
avoided. The PF shall redeem these units as soon
provisions for exercising PF and investment
as possible when the exit load ceases to adhere
choices and bulk Authorisation of employees’
the provisions of the circular. Also, the exclusion
NPS application by corporates, circular dated
of investments in any mutual funds mentioned
14.11.2018.
in any of the categories or ETFs or index Funds
made by Pension Funds would be excluded from
This circular states that either the employer/
the computation of investment management fee
corporate or the employee/subscriber will have
only from the date of circular.
choice of selecting the Pension Fund and Asset
Allocation. Also, the corporate/employer will
9. Cyber security policy for Intermediaries
have the option to authorize the NPS applications
registered with PFRDA dated 07.01.2019.
of its employees individually or separately on the
corporate letterhead for bulk authorization for In reference to the circular no. PFRDA/2017/31/
which Central Recordkeeping Agencies (CRA) CRA/5 dated 04.10.2017 regarding cyber
has to be intimated in advance for enabling this security, the Authority has further issued another
option in the CRA system. circular dated 07.01.2019 and added that the
intermediary will also submit a certificate as per
7. Including NPS Trust under the ambit of
Annexure A on half yearly basis, declaring that
Stewardship Code, circular dated 16.11.2018.
they are following the Cyber Security Policy and
also as mandated by their respective regulators.
This circular informs that, in the unbundled
Annexure A, i.e. the certificate for compliance
architecture of NPS, the NPS Trust is the
of Cyber Security Policy is attached with the
intermediary which acquires, manages or
circular.
disposes off scheme assets through Pension Funds
on behalf of NPS subscribers and holds the assets
10. Amendments to Investment guidelines
in its name. NPS trust is the legal owner of the
for NPS schemes (applicable to scheme Govt.
fund and Pension fund undertaking investment
Sector (CG & SG), Corporate CG, NPS Lite and
of such funds as per the investment guidelines
APY) dated 25.03.2019.
approved by Authority. NPS Trust, thus acts as
an institutional investor while Pension Funds act In order to provide flexibility to the Pension
as asset managers on its behalf. In view of the Funds to improve the scheme performance
above, it was decided to also bring NPS Trust depending upon the market conditions, the
under the ambit of Stewardship Code. cap on Government securities and related
investments and short-term debt instruments
8. Clarification on Circular no.
& related investments by 5% each. The cap on
PFRDA/2018/56/PF/2 dated 20th August,
Government securities and related investments
2018 issued by the Authority for change in
would now be 55% from the earlier 50% and
Investment guidelines for NPS schemes dated
on short term debt instruments & related
22.11.2018.
investments would be 10% from the earlier 5%.
This circular would be effective from 1st April
This circular provides clarification on the
2019.
issues faced by the Pension Fund managers
44Annual Report | 2018-19
Part- III
The chapter deals with duty, power and functions of annuity pension to the subscriber.
the Authority for promotion and orderly growth of
As on 31st March, 2019, the number of PrAOs/
the National Pension System and pension schemes in
DTAs, No. of PAOs/DTOs and No. of DDOs are
accordance with Section 14 of Pension Fund Regulatory
given in the table below:
and Development Authority Act, 2013 to protect the
interests of subscribers of such System and schemes. Table 3.1 Number of PrAOs/ DTAs, No. of
PAOs/DTOs and No. of DDOs
Functions of the Authority Sector No. of No. of No. of
PrAOs/ PAOs/ DDOs
3.1 Registration of intermediaries and
DTAs DTOs
suspension, cancellation, etc., of such
Central 131 2,900 15,724
registration; and regulation of activities of the
intermediaries associated with the National Government
Pension System or the pension schemes
Central 578 1,880 3,920
Section 14 of the PFRDA Act, 2013 lays down the Autonomous
duties, powers and functions of the Authority Body
to regulate, promote and ensure orderly growth Total 709 4,780 19,644
of the National Pension System and pension
schemes, and to protect the interests of subscribers Table 3.2
of such system and schemes.
Sector No. of No. of No. of
The National Pension System and any other DTA DTOs DDOs
Pension Scheme which are operationalized by
State 72 1,955 2,23,204
PFRDA through large number of entities such as
Government
Pay & Accounts offices / Treasury Offices at the
State 422 3,748 12,441
Central and State government , they are responsible
Autonomous
for the registration and upload of the periodic NPS
Body
subscription of the Government employees on the
NPSCAN, the Point of Presence (PoPs) which Total 494 5,703 2,35,645
are banks, non-banking financial companies
Further, there are 268 PoPs, two Central
(NBFC), micro finance institutions (MFI) etc.
Recordkeeping Agency, one Trustee Bank, eight
which assist in the registration and upload of NPS
Pension Funds and five Annuity Service Providers
subscription for the corporates, private sector and
as on 31st March 2019.
unorganised sector employers, the aggregators
which help in the last-mile reach to the potential Atal Pension Yojana (APY) is administered by
subscribers particularly in the informal sector, the PFRDA. To bring the APY Service providers under
Central Record Keeping Agency (CRA), which the ambit of PFRDA Regulations, the regulations
is responsible for the recordkeeping of individual managing different categories under NPS
pension accounts called PRAN of the subscribers (Aggregator and POPs) were repealed and the
and acts as a coordinator for the NPS architecture, unified regulations for POPs, Aggregators, APY
Trustee Bank, responsible for the day-to-day i.e. PFRDA (POP) Regulations, 2018 were notified
flow of funds and banking facilities, the Pension on 25.06.2018. On the date of notification of these
Funds (PFs), mandated to invest and manage the regulations, PFRDA (POP) Regulations, 2015
pension assets of the subscribers covered under and amendments made thereof were repealed.
NPS as per the investment guidelines prescribed Categories of POPs under current regulations are
by PFRDA and annuity service providers (ASPs), as below:
empanelled with PFRDA to provide a monthly
45Part III
i. National Pension System (NPS) – Presently the following Scheme(s) under National
Distribution and servicing for public at Pension System managed by the Pension Funds
large through physical as well as online are operative:
platforms.
a) Scheme applicable to Central Government
ii. National Pension System (NPS) –
Employees and employees of Central
Distribution and servicing for citizens at
Autonomous Bodies – This scheme is called
large through online platforms only.
as the CG scheme and has the following
iii. National Pension System (NPS) – investment pattern:
Distribution and servicing only for own
Table 3.3: Allocation of assets in CG sector
employees and other personnel either
through physical or online platforms.
Category Asset class / instruments Maximum
Provided that only such entities shall be exposure
permitted to function which has covered its i Government Securities and 50%
employees for social security benefits under Related Investments including
the provisions of the Employees Provident State Development loans *
Fund and Miscellaneous Provisions Act, ii Debt Instruments and Related 45%
1952 or the Employees State Insurance Investments
Act, 1948 or under the Goods and Services iii Short term Debt Instruments and 5%
Act, 2017 and is registered with authorities Related Investments #
under the said enactments, for not less than iv Equities and Related Investments 15%
a period of two years, from the date of the v Asset Backed, Trust Structured 5%
application. and Miscellaneous Investments
iv. NPS-Lite-Swavalamban scheme following changes have been affected w.e.f April 01, 2019
*for investments under Government Securities and Re-
v. Atal Pension Yojana
lated Investments including State Development loans the
vi. Any other scheme regulated or administered limit has been changed to 55%
#for investments under Asset Backed, Trust Structured
by Authority
and Miscellaneous Investments the limit has been changed
Under POP Regulations, 2018, PFRDA has issued to 10%
Certificate of Registration (CoR) to PoPs and PoP-
i. The Assets under management are
SEs, number of CoR issued as on 31.03.2019 are as
distributed across three pension funds
below:
viz LIC pension Fund LIC Pension Fund
(i) PoPs – 268 (ii) PoP-SEs – 28 Limited, SBI Pension Funds Pvt Ltd and UTI
Retirement Solutions Ltd as per directions
During the FY 2018-19, 20 Individual Retirement
of the Authority in accordance with the last
Advisors & 1 other than Individual Retirement
year returns. The Assets under management
Advisors were registered under the NPS
for the FY 2018-19 have been allocated to
architecture. To expedite the registration process,
SBI Pension Fund Pvt. Ltd, UTI Retirement
online platform for registration was introduced
Solution Ltd. and LIC Pension Fund Ltd. in
where applicants can apply online.
the ratio 33.5:34.5:32 (w.e.f 07.05.2018), this
PFRDA had issued extension to NSDL-CRA till ratio was 33:34:33 SBI Pension Fund Pvt.
31.03.2020 or the date of grant of registration Ltd, UTI Retirement Solution Ltd. and LIC
certificate under the first amendment to PFRDA Pension Fund Ltd. during FY 2017-18 (w.e.f
(CRA) Regulations, 2015 whichever is earlier, in 06.11.2017)
order to facilitate the implementation of the said ii. Scheme applicable to State Govt.
regulations.
employees and employees of State
Autonomous bodies – This scheme is called
3.2 Approval of schemes, the terms and
as the SG scheme and it follows the same
conditions thereof including norms for the
investment pattern and pension funds as the
management of corpus of the pension funds and
CG scheme. The Assets under management
investment guidelines under such schemes
46Annual Report | 2018-19
for the FY 2018-19 have been allocated to across three pension funds viz LIC Pension
SBI Pension Fund Pvt. Ltd, UTI Retirement Fund Limited, SBI Pension Funds Pvt. Ltd
Solution Ltd. and LIC Pension Fund Ltd. and UTI Retirement Solutions Ltd.
in the ratio 33.5:34:32.5 respectively (w.e.f 3. Corporate CG Scheme- This follows the
07.05.2018), this ratio was 33:34:33 SBI same asset allocation as the CG scheme.
Pension Fund Pvt. Ltd, UTI Retirement However, the employer/ employee can
Solution Ltd. and LIC Pension Fund Ltd. choose one pension fund from the three
during FY 2017-18 (w.e.f 06.11.2017) public sector Pension Funds (i.e. to SBI
b) Schemes applicable to Individuals and Pension Fund Pvt. Ltd, UTI Retirement
Corporates: - Solution Ltd. and LIC Pension Fund Ltd.).
The following schemes are applicable to the This scheme has been closed for any fresh
individual and corporate subscribers: - employees.
4. E-C-G-A pattern for Tier I & Tier II – The
1. NPS- Lite Scheme - This follows the same
assets are invested in Equity, Corporate
asset allocation pattern as the CG scheme.
Bonds, Government Securities and
However, the aggregators can choose any
Alternative Investment Funds SEBI
one pension fund from the eight pension
Regulated ‘Alternative Investment Funds’
funds.
AIF (Category I and Category II only)
2. APY Scheme: This follows the same asset as defined under the SEBI (Alternative
allocation pattern as the CG scheme. The Investment Fund) regulations 2012.
Assets under management are distributed
3.3 Exit of subscribers from the National Pension System
3.3.1 As per PFRDA (Exits & Withdrawals under NPS) Regulations 2015 and amendments thereto,
following Withdrawal categories are allowed:
Table 3.4: PFRDA (Exits & Withdrawals under NPS) Regulations 2015 and amendments
Sr. Withdrawal Conditions in Government Sector Conditions in Non-Government Sector
No. Categories
1 Upon At least 40% of the accumulated pension At least 40% of the accumulated pension
wealth of the Subscriber has to be utilized wealth of the Subscriber has to be utilized
Normal
for purchase of an Annuity providing for for purchase of an Annuity providing for
uperannuation
monthly pension to the Subscriber and monthly pension to the Subscriber and
the balance is paid as lump sum to the the balance is paid as lump sum to the
Subscriber. Subscriber.
If the accumulated pension wealth in If the accumulated pension wealth in
the PRAN is equal to or less than 2 lakh, the PRAN is equal to or less than 2 lakh,
the subscriber shall have the option to the subscriber shall have the option to
withdraw the entire accumulated pension withdraw the entire accumulated pension
wealth without purchasing annuity. wealth without purchasing annuity.
2 Upon Death At least 80% of the accumulated pension If subscriber before attaining the age of
wealth of the Subscriber has to be utilized 60 years or superannuation dies, then the
for purchase of an Annuity providing entire accumulated pension wealth of the
for monthly pension to the Spouse and subscriber shall be paid to the nominee or
the balance is paid as lump sum to the
nominees or legal heirs.
nominee/legal heir.
If the accumulated pension wealth in the
PRAN at the time of his death is equal to
or less than 2 lakh, the nominee or legal
heirs as shall have the option to withdraw
the entire accumulated pension wealth
without purchasing annuity.
47Part III
3 Pre-mature Exit At least 80% of the accumulated pension At least 80% of the accumulated pension
wealth of the Subscriber has to be utilized wealth of the Subscriber has to be utilized
for purchase of an Annuity providing the for purchase of an Annuity providing the
monthly pension to the Subscriber and monthly pension to the Subscriber and
the balance is paid as a lump sum to the the balance is paid as a lump sum to the
Subscriber. Subscriber.
If the accumulated pension wealth in If the accumulated pension wealth in
the PRAN is equal to or less than 1 lakh, the PRAN is equal to or less than 1 lakh,
such subscriber shall have the option to such subscriber shall have the option to
withdraw the entire accumulated pension withdraw the entire accumulated pension
wealth without purchasing any annuity. wealth without purchasing any annuity.
4 Exit in case of At least 40% of the accumulated pension Exit from National Pension System
Disability wealth of the Subscriber has to be utilized by citizens, including corporate sector
for purchase of an Annuity providing for subscribers- at least 40% out of the
accumulated pension wealth of such
monthly pension to the Subscriber and
subscriber shall be mandatorily utilized
the balance is paid as lump sum to the
for purchase of annuity providing for a
Subscriber.
monthly or any other periodical pension
If the accumulated pension wealth in and the balance of the accumulated
the PRAN is equal to or less than 2 lakh, pension wealth, after such utilization,
the subscriber shall have the option to shall be paid to the subscriber in lump
withdraw the entire accumulated pension sum. In case, the accumulated pension
wealth without purchasing annuity. A wealth of the subscriber is equal to or
certificate from a Government surgeon or less than a sum of two lakh rupees,
the subscriber shall have the option to
Doctor is required:
withdraw the entire accumulated pension
a) the affected subscriber shall not be
wealth without purchasing any annuity
in a position to perform his regular
A disability certificate from a Government
duties.
surgeon or Doctor is required:
b) Percentage of disability is more
a) the affected subscriber shall not be
than seventy five percent. in a position to perform his regular
duties.
b) Percentage of disability is more
than seventy five percent.
Exit from National Pension System by
NPS-Lite and Swavalamban subscribers-
A subscriber, attaining the age of sixty
years, at least 40% of the accumulated
pension wealth of such subscriber shall
be mandatorily utilized for purchase of
annuity providing for a monthly or any
other periodical pension and the balance
of the accumulated pension wealth, after
such utilization, shall be paid to the
subscriber in lump sum. If the accumulated
pension wealth in the PRAN is equal to
or less than 1 lakh, such subscriber shall
have the option to withdraw the entire
accumulated pension wealth without
purchasing any annuity.
A disability certificate from a Government
surgeon or Doctor is required:
a) the affected subscriber shall not be
in a position to perform his regular
duties.
b) Percentage of disability is more
than seventy five percent.
48Annual Report | 2018-19
For the purpose of exit from the NPS, the Swavalamban subscribers. The exit regulations
subscribers are categorized and defined as: (1) specified shall apply accordingly to the category
Government sector, (2) All citizens including to which the subscribers belong.
corporate sector and (3) NPS- Lite and
Table 3.5: No. of withdrawal reported, accepted & Settled during April 1, 2018 to March 31, 2019
Sr. Online Withdrawal
Sector
No. Reported * Accepted $ Settled#
1 Central Government 4,494 4,149 4,169
2 State Government 12,205 11,014 11,079
3 UOS 4,736 4,330 4,256
4 Corporate 1,528 1,404 1226
5 NPS Lite 19,927 19,688 19,671
Total 42,890 40,585 40,401
(Source of Data: NSDL – CRA)
Note:
* Online Withdrawal Reported implies the cases authorized by Nodal Office and pending for authorization by
Nodal Office.
$ Online Withdrawal Accepted implies the cases where Nodal Office has authorized the withdrawal request in
CRA system.
#Some cases pertain to accepted cases of previous years.
Physical Withdrawal: No physical withdrawal cases were reported.
Table 3.6: Withdrawal claims outstanding as on March 31, 2018 & March 31, 2019.
Sr. Sector Physical Withdrawal Pending Online Withdrawal Pending
No. As on As on As on As on
31.03.2018 31.03.2019 31.03.2018 31.03.2019
1 Central Government 2 - 464 345
2 State Government 1 - 1,605 1,191
3 UOS 79 - 423 406
4 Corporate 19 - 70 124
5 NPS Lite 460 - 122 239
Total 561 - 2,684 2,305
(Source of Data: NSDL – CRA)
Note:
Physical Withdrawal: Withdrawal claims outstanding at the end of the year are the cases where Subscriber/
Nodal Office is yet to submit necessary documents to CRA.
Online Withdrawal: Withdrawal claims outstanding at end of the year are the cases where Nodal Office is yet
to authorize the withdrawal request in CRA system.
It has been observed that in majority of the cases the withdrawal applications pending for processing
is due to missing/ inadequate documents submitted by the subscribers or the Nodal Offices.
49Part III
3.3.2 Partial Withdrawal under NPS of three years from the date of his or her joining
to such system, to be eligible to make partial
NPS subscribers can do partial withdrawals, not
withdrawals, under specific circumstances as
exceeding 25 percent of the contribution made by
specified in PFRDA (Exits & Withdrawals under
the subscriber for higher education and marriage
NPS) Regulations 2015. As per regulation 8, in
of children, purchase / construction of a house
sub-regulation (1) (A) sub clause (e) permits to
and medical treatment of specified illnesses on
meet medical and incidental expenses arising out
completion of 3 years from the date of joining of
of the disability or incapacitation suffered by the
the NPS. The subscriber ought to be subscribed to
subscriber.
the National Pension System, at least for a period
Table 3.7: No. of Partial withdrawal cases reported & Settled during the period from
April 1, 2018 to March 31, 2019
Sr. Sector Partial Withdrawal
No. Reported * Settled**
Initiated By Nodal Approved By Nodal
Office # Office
1 Central Government 6,686 5,911 5,954
2 State Government 10,020 8,915 8,937
3 UOS 206 74 75
4 Corporate 1087 586 605
Total 17,999 15,486 15,571^
Note:
* Reported cases includes authorized by Nodal Office and pending for authorization by Nodal Office.
**Settled cases are where funds have been transferred to subscriber’s bank account
# Cases Initiated by Subscriber is also added in Initiated by Nodal Office
^Some cases pertains to accepted cases of previous years.
3.4 Details of Annuity Service Providers Presently, the following 5 ASPs are providing
(ASPs) and Annuity Schemes opted by the Annuity services to NPS subscribers.
subscribers
a) Life Insurance Corporation of India
Annuity provides for a monthly payment of b) SBI Life Insurance Co. Ltd.
pension against deposit of a lump sum amount.
c) ICICI Prudential Life Insurance Co. Ltd.
The subscriber has to mandatorily purchase the
d) HDFC Standard Life Insurance Co Ltd
annuity as specified in the exit rules of NPS,
from a PFRDA empanelled Annuity Service e) Star Union Dai-ichi Life Insurance Co. Ltd.
Providers.
Under National Pension System (NPS), the
Annuity Service Providers are Insurance subscriber has the option to choose the type of
Regulatory and Development Authority of India Annuity and the Annuity Service provider. The
(IRDAI) licensed and regulated life insurance subscriber may choose the annuity type/scheme
companies, transacting annuity business in basing on his requirements from the available
India and these are empanelled by PFRDA for schemes offered by the respective ASPs.
servicing the annuity requirements of the NPS
subscribers.
50Annual Report | 2018-19
Table 3.8: Online Annuity requests processed during April 1, 2018 to March 31, 2019
Sr. Annuity Service Providers/Annuity Schemes No. of Amount Transferred
No. Cases (in Rs.)
HDFC Life Insurance Co. Ltd
1 Annuity for life 777 143,015,460.63
2 Annuity for life with return of purchase price on death 707 447,251,647.28
3 Annuity payable for life with 100% annuity payable to spouse on death of 545 120,591,890.27
annuitant
4 Annuity payable for life with 100% annuity payable to spouse on death of 619 217,855,441.18
annuitant with return on purchase of annuity
5 Life Annuity with Return of Premium/Purchase Price in parts 1 196,152.13
6 Life Annuity with Return of Premium/Purchase Price on diagnosis of 2 185,924.88
Critical Illness
Sub-Total 2651 929,096,516.37
Life Insurance Corporation of India
1 Annuity for life 1131 278,195,374.30
2 Annuity for life with return of purchase price on death 770 226,040,771.34
3 Annuity payable for life with 100% annuity payable to spouse on death of 1249 317,466,511.47
annuitant
4 Annuity payable for life with 100% annuity payable to spouse on death of 1287 382,203,760.30
annuitant with return on purchase of annuity
5 NPS - Family Income Option 31 13,985,555.70
Sub-Total 4,468 1,217,891,973.11
SBI Life Insurance Co. Ltd.
1 Annuity for life 149 59,967,008.08
2 Annuity for life with return of purchase price on death 121 54,395,641.55
3 Annuity payable for life with 100% annuity payable to spouse on death of 151 59,279,372.37
annuitant
4 Annuity payable for life with 100% annuity payable to spouse on death of 190 76,301,799.69
annuitant with return on purchase of annuity
5 NPS - Family Income Option 39 13,131,803.05
Sub-Total 650 263,075,624.74
ICICI Prudential Life Insurance Company Ltd
1 Annuity for life 69 11,245,555.66
2 Annuity for life with return of purchase price on death 79 25,547,561.74
3 Annuity payable for life with 100% annuity payable to spouse on death of 86 17,658,315.71
annuitant
4 Annuity payable for life with 100% annuity payable to spouse on death of 132 50,512,901.40
annuitant with return on purchase of annuity
5 NPS - Family Income Option 14 6,999,158.12
Sub-Total 380 111,963,492.63
Star Union Dai-Ichi Life Insurance Company Ltd
1 Annuity for life 1 261,306.87
Sub-Total 1 261,306.87
Grand Total 8,150 2,522,288,913.72
51Part III
3.4.1 Challenges faced in the purchase of NPS subscribers and holds the assets in its
annuity name. NPS trust is the legal owner of the fund
and Pension fund undertaking investment
i. Non – availability of correct contact details
of such funds as per the investment
of subscribers with ASPs.
guidelines approved by Authority. NPS
ii. Low financial awareness and literacy among Trust, thus acts as an institutional investor
the subscribers/nodal offices about annuity while Pension Funds act as asset managers
product. on its behalf. In view of the above, it was
decided to also bring NPS Trust under the
The authority is regularly taking up the matter
ambit of Stewardship Code.
with empanelled annuity service providers
iv) To ensure the transparency and fairness
and their regulator i.e. IRDAI for facilitating
in the interest of the NPS subscribers
subscribers during the purchase of annuity,
who intend to use online platform, it was
creating awareness on annuity products among
decided by the Authority that the fees and
subscribers and also bringing an online platform
settlement time for such transactions at
for making the annuity purchase process
the level of aggregator/payment gateways
completely online.
and POPs should specifically display by
3.5 Activities undertaken for protection of the POPs on their website along with NPS
interests of subscribers under the National literature.
Pension System and of other pension schemes
v) To ensure the protection of information
under the Act
system, networks and to adhere the policies
and procedures, PFRDA has issued Cyber
One of the major objectives of PFRDA is protection
Security Policy for intermediaries registered
of subscribers’ interest and PFRDA has been
with PFRDA
engaged in multifarious activities in furtherance
of this cause. vi) Trustee Bank is appointed to facilitate
transfer of funds from Nodal Offices to
Measures taken to protect subscribers’ interest: Pension Fund Managers. Intimation about
return of remittances to the respective
i) With a view to protect the subscribers’
Nodal Offices is sent through emails as well
interest, PFRDA had revised Rating Criteria
as physical letters. Apart from reasons for
for investment under NPS schemes during
rejection of the remittances, remedial action
FY 2018-19 alongwith the regular review of
and precautions to be taken by the nodal
the Investment guidelines.
office is provided to them to avoid repetition
ii) Pension Funds are expected to shoulder
of the errors and avoid return. This ensures
greater responsibility towards the
timely investment of the contribution made
subscribers/ beneficiaries by enhancing
by subscribers.
monitoring and engagement with the
vii) To reduce such fund return cases, a covering
investee Companies. Such activities are
letter has been devised which is generated
commonly referred to as ‘Stewardship
along with the SCF. The letter contains pre
Responsibilities’ of the institutional investors
populated fields such as Tran ID, amount
and asset managers and are intended to
etc. which the Nodal Officer is to authorize
protect the subscribers’ pension wealth. In
and submit to its accredited banker for fund
view of the same, the Authority has issued
transfer to TB.
a circular on Common Stewardship Code to
be followed by all the Pension Funds under viii) PFRDA’s website serves the subscribers and
NPS Architecture. potential subscribers with information and
guidance materials including information
iii) In the unbundled architecture of NPS,
on the protection of subscribers’ rights
the NPS Trust is the intermediary which
and interests, regulations, circulars,
acquires, manages or disposes off scheme
pension schemes products, pension funds,
assets through Pension Funds on behalf of
intermediaries, exit and benefits.
52Annual Report | 2018-19
ix) The website of the NPS Trust also provide 3.6 Mechanism for redressal of grievances
information regarding NPS that are useful of subscribers and activities undertaken for
for the subscribers at one place. NAV details, redressal of such grievances
Returns of the schemes, Portfolio details of
NPS has a multi-layered Grievance Redressal
the schemes are disclosed for subscriber‘s
Mechanism centralized at Central Recordkeeping
information/comparison. Disclosure of
Agency (CRA), which is easily accessible,
Portfolio details are disseminated to the
simple, quick, fair, responsive and effective.
subscribers to ensure transparency.
The Regulations have provided for four level
x) As a pension literacy initiative of PFRDA, escalation matrix for resolving subscriber
Pension Sanchay website (pensionsanchay. grievance. Subscribers have the option of
org.in) was launched. The website provides registering grievance/complaints through Call
references to topics and fundamental centre/ Interactive Voice Response System
elements and concepts related to money, (IVR), web based interface, physical forms.
financial planning and retirement planning Subscriber can check the status of the grievance
and features a blog section that discusses at the CRA website www.cra-nsdl.co.in for the
topics related to Pension, Saving & Investing, grievances logged in through Central Grievance
Retirement Planning, Fundamentals of Management System (CGMS) maintained by
Money & Finance and Behavioral Aspects CRA or through the Call Centre by mentioning
of Retirement Planning. the token number. Subscriber can also raise
a reminder through any one of the modes
xi) Government of India vide notification
mentioned above by specifying the original token
dated 31.01.2019 has notified the increase
number issued. If subscriber does not receive any
in its contribution to central government
response within Thirty (30) days or is not satisfied
employees NPS accounts from 10% to 14%
with the resolution by intermediary, in such case
with effect from April 1, 2019.As per the
subscriber can escalate the grievance to NPS
notification, “The monthly contribution
Trust. Similarly, if the subscriber is not satisfied
would be 10 percent of the Basic Pay plus
with the response or no response has been
Dearness Allowance (DA) to be paid by
received within 30 days, subscriber can escalate
the employee and 14 percent of the Basic
the grievance to Ombudsman. The subscriber can
Pay plus DA by the Central Government”.
also appeal to designated member of PFRDA if
Greater freedom in choosing pension
they are not satisfied with the order passed by the
funds and pattern of investment to central Ombudsman. Shri Vinod Kumar Pande was the
government employees has also been Stipendiary Ombudsman.
notified along with compensation for non/
delayed deposit of NPS contribution. The position of Grievances received during the
year at CGMS as on March 31, 2019 and its status
is furnished in the table below:
Table 3.9: Grievances received and closed in CGMS during April 1, 2018 to March 31, 2019.
Sr. No Sector Pending As on 31st Received Till 31st Resolved Till 31st
March 2018 March 2019 March 2019
1 NPS Regular# 5,219 1,35,467 1,37,013
2 NPS Lite 193 2,688 2,837
3 APY 1,298 14,661 15,535
Total 6,710 1,52,816 1,55,385
Source: As per CRAs reports
Notes: * Referrals opted as Grievance by the subscriber in CGMS.
# NPS Regular consists of CG/SG/SAB/CAB/ Corporate and All Citizen Sector
The position of Grievances received to various intermediaries during the year at CGMS as on March 31, 2019
and its status is furnished in the table below:
53Part III
Table 3.10: Grievances received and closed in different sectors in
CGMS during April 1, 2018 to March 31, 2019.
Sr. Referrals Raised Against Pending As on 31st Received Till 31st Resolved Till 31st
No March 2018 March 2019 March 2019
1 Central Government 777 4,035 4,166
2 State Government 579 6,164 6,196
3 POP 1,138 13,171 13,928
4 Corporate 21 93 88
5 Trustee Bank 205 24 27
6 NPS Lite 160 835 977
7 APY (APY-SP) 1,195 9,441 10,328
8 eNPS 363 18,591 18,448
9 CRA 2,103 99,304 99,975
10 NPS Trust 169 1,158 1,252
Total 6,710 1,52,816 1,55,385
Source: As per CRAs reports
The major grievances received are related to Certification Examination. Upto March 2019, total
Statement of Transactions related, Contribution 423 candidates certified with NISM Series-XVII:
amount not reflected in account, PRAN Card Retirement Adviser Certification Examination. In
Related, Incorrect Processing of Subscriber Details, FY 2018-19, 20 RAs, in the category of individual,
Delays in Uploading of Contribution Amounts were registered by PFRDA and 01 RA other than
etc. Grievances are registered in CGMS by the Individual category. A quarterly summary of the
subscriber and are directly routed to concerned candidates enrolled and appeared vis a vis passed
intermediaries for necessary action. Thus, it is during the FY 2018-19 is as under:
for the concerned intermediaries to resolve and
Table 3.11 : Retirement Adviser Certification
close grievance in CGMS raised against them.
details
The periodic reminders are sent to concerned
intermediary for resolving and closing grievances
NISM Series-XVII: Retirement Adviser
in CGMS.
Certification
3.7 Certification Programme for Retirement Month Enrolled Appeared Passed
Advisers Apr-June 2018 67 61 26
Jul – Sep 2018 90 64 32
Pension Fund Regulatory and Development
Oct – Dec 2018 156 128 44
Authority is registering Retirement Advisers for
widening the coverage of NPS and providing Jan – March 159 161 70
advisory services to the subscribers for allocating 2019
assets under NPS and choosing PFMs. The scope Total 472 414 172
of work and responsibility of the Retirement
Adviser is to ensure orderly growth of pension 3.8 Collection of data by the Authority and
sector. the intermediaries including undertaking &
commissioning of studies, research and projects.
During FY 16 -17, PFRDA started giving
registrations to individuals as Retirement Collection and compilation of a comprehensive
Advisers as per PFRDA (Retirement Adviser) data based on demographics, retirement savings
Regulations 2016. PFRDA has accredited and investments, the different financial products/
National Institute of Securities Market (NISM) as schemes issued by the different Organizations
institute for certification of Retirement Adviser to cater to the old age income security of the
54Annual Report | 2018-19
underlying subscribers, the returns generated
thereon, the disclosure and protection provided
to the subscribers etc. under different scheme are
the on - going activities of PFRDA. Towards this
end, PFRDA is compiling information on people PFRDA is also the co-promoter of National Centre
covered under various pension schemes and also for Financial Education (NCFE) along with RBI,
people receiving pensions under various schemes. SEBI and IRDAI which was incorporated as
PFRDA in the process of gathering information a Section 8 (Not for Profit Company) on 5th
from other pension providers in the country. September 2018 for promoting financial education
across the country to all sections of the society as
3.9 Steps undertaken for educating subscribers per the National Strategy for Financial Education
and the general public on issues related to of Financial Stability and Development Council.
pension, retirement savings and related issued
and details of training of intermediaries 3.9.2 Programme for co-ordination with financial
agencies and other agencies
3.9.1 Financial Literacy:
PFRDA is promoting National Centre for Financial
PFRDA as a member of Financial Stability and Education (NCFE), a Section 8 (Not for Profit)
Development Council (FSDC), its sub-committee, Company along with Reserve Bank of India (RBI),
working groups and various inter-regulatory Securities and Exchange Board of India (SEBI),
forums viz. Inter Regulatory Technical Group Insurance Regulatory and Development Authority
(IR-TG),Technical Group on Financial Inclusion of India (IRDAI). NCFE’s mission is to undertake
and Financial Literacy (TGFIFL), Inter Regulatory massive Financial Education campaign to help
Forum for monitoring Financial Conglomerates people manage money more effectively to achieve
(IRF-FC), Working Group on resolution regime financial well being by accessing appropriate
for financial institutions, Macro Financial financial products and services through regulated
Monitoring Group (MFMG), actively contributes entities with fair and transparent machinery for
to the furtherance of the objectives of these consumer protection and grievance redressal.
committee’s/groups/forums.
A share capital of Rs. 100 crores has been envisaged
As the pension regulator is assigned with for the company with 10% to be contributed by
the significant task of financial literacy of the PFRDA. In the Board of NCFE, nomination from
masses in matters related to pension, retirement PFRDA has been done at the level of Chief General
planning/savings along with the overarching Manager.
mandate of developing the pension sector. As
a pension literacy initiative of PFRDA, Pension The objective of the company is to promote
Sanchay website (pensionsanchay.org.in) was Financial Education across India for all sections
launched on 28th February 2018 by the Hon’ble of the population as per the National strategy
Finance Minister. The name Pension Sanchay for Financial Education of Financial Stability
as the mascot for pension literacy has relevance and Development Council and create financial
from the retirement planning perspective as awareness and empowerment through financial
accumulation phase is the most important part education campaigns across the country for all
of retirement planning. The website provides sections of the population through seminars,
references to topics and fundamental elements and workshops, conclaves, trainings, programmes,
concepts related to money, financial planning and campaigns, discussion forums with/without fees
retirement planning and features a blog section by itself or with help of institutions, organisations
that discusses topics related to Pension, Saving and provide training in financial education and
& Investing, Retirement Planning, Fundamentals create financial education material in electronic or
of Money & Finance and Behavioral Aspects of non-electronic formats, workbooks, worksheets,
Retirement Planning. literature, pamphlets, booklets, fliers, technical
aids and to prepare appropriate financial literature
for target based audience on financial markets and
55Part III
financial digital modes for improving financial as one of the Government schemes providing
literacy so as to improve their knowledge, guaranteed minimum pension. Further, NPS has
understanding, skills and competence in finance. also been incorporated in the NCFE modules as
APY has been incorporated in the NCFE modules a solution to retirement needs.
3.9.3 NPS awareness, Communication and Social Media
Towards fulfillment of the Authority’s mandate inquisitiveness of public at large to know more
of undertaking steps for educating subscribers about NPS and consequently take an informed
and the general public on issues relating to decision for their sunset years. Extensive print
pension, retirement savings and related issues, media campaigns were undertaken with these
PFRDA has been leveraging on different media themes wherein - what is NPS, why NPS, who can
platforms - print media, electronic media, digital join, tax benefits, contact details of NPS Help Desk,
domain and social media to outreach the public QR code for NPS Trust website were inscribed in
at large for improving financial and pension these advertisements. The advertisements were
literacy, dispersing the features and benefits carried out in Hindi, English and 11 other regional
of NPS and APY. PFRDA has released various languages in over 130 newspapers pan India per
advertisements over print media/electronic print coverage considering that the messages need
media and social media platforms on the NPS/ to be delivered to the general public of the country
APY product features, eligibility for joining the irrespective of language and region. In order to
schemes, benefits of starting at an early age, keep the citizens and subscribers aware about the
procedure of joining the schemes etc. fraudulent activities inimical to economic and
social well-being of the general public - fraud and
PFRDA had initiated a drive with the themes “NPS-
phishing in name of PFRDA/NPS, Television
Save Right, Retire Bright” and ‘NPS- Retirement
commercials and Radio (FM Channels) Ads were
for Everyone’ with the concept of stimulating the
also released during the year.
PFRDA on Social Media
Unlike traditional media which is considered proactively engaged itself through social media
as a one-way communication to public at large platforms by activating and maintaining Twitter,
and quantification of its effect is challenging, LinkedIn, YouTube and Facebook pages for NPS,
the social media platforms provide a multi- APY and Pension Sanchay – a financial literacy
pronged channel of communication and delivery initiative of PFRDA. These specific social media
of message to target audience with feedbacks handles are dedicated to NPS, APY and Pension
from the subscriber’s side. Social media plays a Sanchay and the PFRDA social media handles
vital role for outreach and engagement with the have a cumulative followership of more than 1
citizens and PFRDA in its effort of connecting lakh followers.
and communicating with the subscribers has
56Annual Report | 2018-19
3.9.4 Public Relations Agency Accounts Offices (PAOs), Drawing & Offices
(DDOs), Corporate, Points of Presence – Banks/
Keeping in view the spread and scope of the
Non-Banks/Dept. of Post, APY Service Providers
regulatory and Development role of PFRDA,
involved in the registration of subscribers,
a PR Agency was engaged for designing and
Business Correspondents of Banks, DCCBs
executing an ongoing public relations strategy
(District Central Cooperative Banks), RRBs
and programme for PFRDA so as to ensure media
(Regional Rural Banks) etc. about the salient
visibility through a high impact communication
features of NPS/APY, the process of joining
strategy. The objective of engaging the PR
the schemes, option of annuity, resolution of
strategy was to enhance awareness and
grievances, etc. These training workshops/camps
disseminate information regarding the various
are organized, for the employees of nodal offices
policies, activities and schemes within the ambit
in the government sector and for subscribers in
of PFRDA to promote old age income security
the non-government sector, across the country
and empowering every citizen of the country to
as a part of a wider policy for educating and
participate in securing his/her old age income.
empowering the subscribers.
3.9.5 Training
The training agency has conducted a total of 911
batches in the four zones viz. East, West, North &
For furtherance of PFRDA’s mandate to create
South and a total of 36706 individuals were trained
awareness on pension, retirement savings and
during the period (8/8/2018 – 31/03/2019). The
training of intermediaries, PFRDA has appointed
Zone wise sector wise break and the state-wise
a training agency for imparting training to the
distribution of the number of trainings conducted
Central and State Govt. Nodal Officers - Pay &
are as under :-
Table 3.12 : The state-wise distribution of the number of trainings
Sr. NPS-Sectors Training Participants Zone wise training sessions
No. Sessions Count
South East North West
1 CG 72 2955 6 20 28 18
2 SG 590 23612 155 151 134 150
3 CAB 30 1340 7 6 12 5
4 SAB 46 2147 0 4 4 38
5 Corporate 35 1083 9 1 10 15
6 POP 78 2871 11 3 20 44
Total 851 34008 188 185 208 270
Table: 3.13: NPS and APY Information Helpdesk
3.10 NPS and APY Information Helpdesk
Sr. Training Participants Zone wise training sessions
APY-Sectors
No. Sessions Count South East North West
1 BC-APY 16 692 2 6 3 5
2 DCCB-APY 9 424 0 1 4 4
3 DOP-APY 3 86 2 1 0 0
4 PSBs 2 64 0 0 1 1
5 RRBs 15 697 1 6 1 7
6 Small Finance 15 735 2 1 6 6
Total 60 2698 7 15 15 23
57Part III
For spreading the concepts of old age income 3.11 Conferences held during FY 2018-19
security and dissemination of information on
3.11.1. International Level
NPS and APY, which can be accessible from
across the country and would facilitate in
1. IOPS Technical & Executive Committee
enlightening citizens about latest developments
Meeting (6th March 2019)
in NPS/APY, PFRDA is operating a dedicated
NPS/APY Information Helpdesk for providing PFRDA has co-hosted IOPS meeting and
information and responding to the queries Conference in coordination with IOPS on 06th &
from existing as well as potential subscribers in 07th of March, 2019. The meetings were chaired
respect of NPS/APY product features, policies, by Mr. Brendan Kennedy, CEO of the Pensions
regulations etc. PFRDA also makes utilizes Authority, Ireland who is also the Chairman of
the call center for making outbound call to the IOPS Technical Committee and was attended
subscribers for insisting persistency of APY by the officials from 30 countries including India.
contributions, gauging the awareness of NPS/
Important issues relating to the pension systems
APY product features, popularity survey of the
like supervisory guidelines on the integration of
systems etc. across various sections of the Indian
ESG factors in the investment and risk management
society. The NPS Information Helpdesk receives
of pension funds, projections of retirement
an increased number of calls during the periods
benefits, solvency of defined benefit pension
of media campaigns and on occasion of PFRDA
schemes – supervisory and policy responses
announcements being publicized by the media.
and supervision of infrastructure investments,
Presently two toll free numbers are being risk based supervision, cyber security in private
operated through the NPS information helpdesk pension supervision, international cooperation
i.e. 1800110708 for NPS and 1800110069 for APY. with other international organisations were
For call back services from NPS Help Desk, SMS discussed during the meeting.
facility is also available through- ‘SMS NPS to
The IOPS Technical Committee meeting and
56677’. The NPS Information Desk is operational
Executive Committee meetings was followed
for 8 hours a day (9.30 a.m. – 5.30 p.m.), 7 days
by an international conference on “Options for
a week (including Sundays) throughout the year
creating sustainable pension systems in emerging
excluding National holidays.
markets” on 07th March, 2019.
IOPS Technical and Executive Committee Meeting, New Delhi
58Annual Report | 2018-19
2. International Conference on “Options for on 07th March, 2019 at New Delhi. The event
creating sustainable of Pension Systems in was attended by more than 30 countries from all
emerging markets” by PFRDA in collaboration over the world in which deliberations were made
with IOPS on 7th March, 2019 Pension Fund on Strategies to increase retirement savings, Role of
Regulatory and Development Authority (PFRDA) pension supervisors in promoting cost-effective pension
in collaboration with IOPS (International arrangements, Supervision of retirement options and
Organisation of Pension Supervisors) organised Roundtable session on supervision of governance of
International conference on “Options for creating pension arrangements.
sustainable pension systems in emerging markets”
Conference Delegate addressing the audience on 07th March, 2019
Table: 3.14: Major conferences/workshops
3.11.2 National Level
Sl. Month Conference Theme
For better implementation of NPS in the Country
No.
PFRDA had organized serval conference during the
1 February’ 2019 Conference for Central
year. Under Government Sector which comprises
Government Ministries,
of the majority of the of NPS subscribers, PFRDA
New Delhi
sensitize the Government Nodal offices on various
2 10th September’ Conference for State
issues/matters to improve their performance.
2018 Government Sector, New
PFRDA undertakes various measures and also
Delhi
conducts review meetings/ video conferences
3 13th June’2018 Conference for Central
with the Government Nodal offices in the Central
Autonomous Bodies
/ State Government sector. The following major
(CABs), New Delhi
conferences/workshops were held during the
4 12th June’ 2018 National APY Conference,
financial year 2018-19 :
2018, New Delhi
During the year 2018-19 PFRDA undertook
following measures under CG & SG including
autonomous bodies segment:
59Part III
Table: 3.15: Review meetings conducted by PFRDA during the year 2018-19:
Head Total Name of Ministries/States/CABs/SABs
Number
Review Meetings/ VCs 32 Deptt of Post ( Postal Accounts) (3),Min. of NCT of Delhi (3)
With Central Government , CBEC (2) , Min of Water Resources (2)
Ministries/ Departments
Min. of Home Affairs(1), Northern Railway, New Delhi
(1),CDA (Border Roads) (1), Delhi Cantt (1), Deptt of
Audits and Accounts(1), CBDT (1), CDA Pune (1), Southern
Railway, Chennai(1), South Western Rly, Hubli(1), Western
Railway, Mumbai(1), Central Railway, Mumbai(1), North
Eastern Rly, Gorakhpur(1), Eastern Railway, Kolkata(1), East
Central Rly, Hajipur(1), North Central Rly, Allahabad(1),
PCDA (Navy) Mumbai(1), South East Central Railway,
Bilaspur(1), Western Central Railway, Jabalpur(1), East
Coast Railway, Bhubaneshwar(1), South Central Railway,
Secundrabad (1) South Eastern Railway, Kolkata(1), North
Frontier Railway, Maligaon (1)
Workshops For Central 11 North Delhi Municipal Corporation (1), MHA workshop at
Government Ministries/ Delhi (1), MHA workshop at Jammu(1), MHA workshop
CABs at Mumbai (1), MHA workshop at Shillong (1), Workshop
organized for Andaman & Nicobar (1), MHA workshop at
Hyderabad(1), MHA workshop at Kolkata(1), Training cum
workshop for CGDA officials at Bangalore(1), Workshop
organized for Postal Accounting Formation at Delhi(1),
Workshop organized for PAOs of NCT Delhi (1)
Review meetings of CABs 14 KVS, New Delhi(3),CSIR (2), SDMC(2),AIIMS (1), EPFO
(1), ICAR (1) New Delhi Municipal Corp. (1), EDMC (1),
Navodaya Vidalaya Samiti, Noida(1), Prasar Bharati(1)
Review meetings / VCs 52 State Governments:
& Workshops for States
Bihar(4), Jharkhand(3), Goa(3), Telangana (3), Haryana (3),
including SABs
Gujarat(2), J&K(2), Meghalaya (2), Kerala (2), Maharashtra
(2), MP (2), Rajasthan (2), Assam (2), Uttarakhand (2),
Nagaland (2),Manipur(1), Puducherry (1) ,Karnataka (1),
Punjab (1), Andhra Pradesh (1), Chandigarh (1), Mizoram
(1), Sikkim (1), HP (1), UP (1), Odisha (1)
SABs:
DPI, MP (1), DTD, MP (1), KSRTC (1), BSP, UP (1), DSE, UP
(1), DHE, UP (1)
• Conduct of workshop with 3 SABs of UP i.e. Basic
Shiksha Parishad, Directorate of Secondary Education
and Directorate of Higher Education
• Conference cum workshop for DTOs of State Govt of
Punjab.
60Annual Report | 2018-19
• Review meetings/ Concalls with top 5 shown in Table 3.14, all the schemes witnessed
CG/CABs/SG/SABs Nodal offices on monthly double-digit growth and APY had recorded
basis which have high number of grievances & growth of 80% in terms of AUM.
exit count.
Scheme CG for central government employees
3.12 Performance of pension funds and
posted 28% growth in its AUM during the year.
performance benchmarks
On the other hand, Scheme SG’s assets grew by
NPS Schemes showed a robust overall growth 37 % during the year.
of 36% in its AUM during the financial year, as
Table 3.16 : Asset Under Management (AUM) Break up in NPS - Growth Scheme Wise Position
as on March 31, 2019
Asset Under Management (AUM) break up in NPS -
Growth – Scheme Wise Position as on Quarter ended 31st Amt. Rs. In Crore
March 2019
Actuals-AUM as on
Growth in AUM
31st March, 2019
Schemes YoY Mar 18 over YoY Mar 19 over
Mar-17 Mar-18 Mar-19 Mar 17 Mar 18
Amount % Amount %
Equity Tier I 2538.98 4308.22 7234.21 1769.24 69.68 2925.99 67.92
Equity Tier II 125.90 217.78 325.44 91.89 72.99 107.66 49.43
Equity Total 2664.88 4526.00 7559.65 1861.13 69.84 3033.65 67.03
% Share in Total AUM 1.5 1.9 2.4 3.1 3.6
Bonds (C)Tier I 1684.95 2846.55 4422.07 1161.60 68.94 1575.52 55.35
Bonds (C)Tier II 101.33 162.16 209.08 60.83 60.03 46.92 28.94
Bonds (C) Total 1786.28 3008.71 4631.15 1222.43 68.43 1622.44 53.92
% Share in Total AUM 1.0 1.3 1.5 2.0 1.9
G Sec (G) Tier I 2506.93 4243.06 6896.75 1736.13 69.25 2653.69 62.54
G Sec (G) Tier II 112.43 181.47 262.69 69.04 61.41 81.21 44.75
G Sec (G) Total 2619.37 4424.53 7159.44 1805.17 68.92 2734.91 61.81
% Share in Total AUM 1.5 1.9 2.2 3.0 3.3
Scheme A Tier I 1.04 6.53 19.52 5.49 527.38 12.99 198.77
Scheme A Tier II 0.10 - - (0.10) -100.00 - -
Scheme A Total 1.14 6.53 19.52 5.39 470.87 12.99 198.77
% Share in Total AUM 0.0 0.0 0.0 0.0 0.0
Sub Total Tier I 6731.91 11404.37 18572.56 4672.46 69.41 7168.19 62.85
Sub Total Tier II 339.76 561.41 797.21 221.66 65.24 235.80 42.00
Tier I + Tier II 7071.67 11965.78 19369.77 4894.11 69.21 7403.99 61.88
NPS Lite 2639.21 3005.82 3409.23 366.61 13.89 403.42 13.42
APY 1885.00 3817.86 6860.30 1932.85 102.54 3042.45 79.69
Corporate CG 10753.47 14846.33 20682.83 4092.86 38.06 5836.50 39.31
Sub Total (Pvt Sector) 22349.35 33635.79 50322.14 11286.43 50.50 16686.36 49.61
% Share in Total AUM 12.8 14.3 15.8 18.8 20.0
61Part III
Asset Under Management (AUM) break up in NPS -
Growth – Scheme Wise Position as on Quarter ended 31st Amt. Rs. In Crore
March 2019
Actuals-AUM as on
Growth in AUM
31st March, 2019
Schemes YoY Mar 18 over YoY Mar 19 over
Mar-17 Mar-18 Mar-19 Mar 17 Mar 18
Amount % Amount %
Central Govt 67040.05 84954.60 109010.70 17914.54 26.72 24056.10 28.32
% Share in Total AUM 38.4 36.2 34.3 29.8 28.8
State Govt 85171.43 115988.48 158881.11 30817.05 36.18 42892.63 36.98
% Share in Total AUM 48.8 49.4 49.9 51.3 51.3
Sub Total (Govt.) 152211.49 200943.08 267891.81 48731.59 32.02 66948.73 33.32
% Share in Total AUM 87.2 85.7 84.2 81.2 80.0
Grand Total 174560.84 234578.86 318213.95 60018.02 34.38 83635.09 35.65
Source: NPS Trust Annual Report
Performance of Pension Funds
Table 3.17: The position of the AUM with the Pension Funds
PFM AUM Increase in AUM
(Amt. In Rs. crore)
Mar-18 Mar-19 Amount %
SBI Pension Fund Pvt. Ltd. 89283 1,21,959 32,676 37
LIC Pension Fund Ltd. 70130 92,719 22,589 32
UTI Retirement Solution Ltd. 69483 93,708 24,225 35
HDFC Pension Management Co. Ltd 2560 5,165 2,605 102
ICICI Prudential Pension Funds Management 2326 3,476 1,150 49
Company Ltd.
Kotak Mahindra Pension Fund Ltd. 536 785 249 46
Reliance Capital Pension Fund Ltd. 231 289 58 25
Birla Sunlife Pension Management Ltd 30 113 83 277
Total 234579 3,18,214 83,635 36
62Annual Report | 2018-19
Table 3.18: Scheme wise Pension Fund wise returns as on 31st March 2019
Since inception (in %).
Scheme SBIPF LICPF UTIRSL Kotak ICICI Reliance HDFC Birla
CG 9.96 9.67 9.65
SG 9.57 9.66 9.62
NPS-Lite 10.28 10.21 10.23 10.13
APY 8.67 9.10 9.35
Corporate CG 9.73 9.77
E-I 10.01 12.25 11.79 10.74 11.74 10.74 15.10 10.85
C-I 10.48 9.98 9.29 10.29 10.50 9.26 10.24 9.13
G I 9.59 11.08 8.40 8.66 8.73 8.42 9.78 7.06
A-I 8.17 8.13 7.03 6.05 7.68 6.81 8.43 7.17
E-II 9.71 8.86 10.11 10.01 9.70 9.60 12.19 10.44
C-II 10.10 8.77 9.37 9.19 10.32 8.99 9.09 7.47
G-II 9.65 11.45 9.27 8.45 8.85 8.56 10.22 5.08
Source: NPS Trust Annual report. The date of inception is different for different schemes.
Returns above 1 year periods are annualized
Inception dates: LIC, SBI & UTI April 01,2008 for CG scheme
Inception dates: LIC, SBI & UTI June 25, 2009 for SG Scheme
Inception dates: Birla May 09, 2017, HDFC August, 01, 2013, ICICI May 18, 2009, Kotak May 5,2009, LIC July
03, 2013, Reliance May 21, 2009, SBI May 15, 2009 and UTI May 21, 2009 for (E-I)
Inception date : LIC October 04, 2010; Kotak Jan 30, 2012; SBI September 16 2010; UTI October, 04, 2010 (NPS-
Lite)
UTI Scheme Corporate CG ended in the financial year 2013-14 (corporate CG)
Inception dates: Birla May 09, 2017, HDFC August, 01, 2013, ICICI Dec 21, 2009, Kotak Dec 14,2009, LIC
August 12, 2013, Reliance Dec 21, 2009, SBI Dec 14, 2009 and UTI Dec 14, 2009 for (E-II)
Inception dates: LIC July 23, 2013; HDFC August 01, 2013; Birla May,9 2017 , ICICI May 18, 2009, Kotak May
15, 2009, Reliance May 21, 2009, SBI May 15, 2009 and UTI May, 21 2009 (C-I)
Inception dates: LIC August 12, 2013; HDFC August 01, 2013); Birla May, 9, 2017, ICICI December 21,2009,
Kotak December 14, 2009, Reliance December 21, 2009, SBI December 14, 2009 and UTI December 14, 2009 C-II
Inception dates: LIC July 23, 2013; HDFC August 01, 2013; Birla May, 9, 2017, ICICI May 18,2009, Kotak May
15, 2009, Reliance May 21, 2009, SBI May 15, 2009 and UTI 21 May, 2009 (G-I)
Inception dates: LIC August 12, 2013; HDFC August 01, 2013; Birla May,9, 2017 ICICI December 30, 2009;
Kotak December 14, 2009; Reliance December 23, 2009; SBI December 14, 2009 and UTI December 14, 2009
(G-II);
Inception dates: LIC October 13, 2016; HDFC October 10, 2016; Birla May 15, 2017 ICICI November 21, 2016;
Kotak October 14, 2016; Reliance November 2, 2016; SBI October 13, 2016 and UTI October 14, 2016 (Scheme
A-I)
63Part III
3.13 Regulated Assets 3.14 Fees and other charges levied or collected
by the Authority during the financial year
“Regulated Assets” means and includes tangible
and intangible assets created exclusively for Fees and charges are levied on the subscribers of
the purpose of operations of CRA comprising the NPS at various stages by the intermediaries
bespoke software with all the components serving to the subscribers. At the entry to the
required for running the application, any third NPS system, the intermediaries responsible for
party software and component off the shelf registration of the subscribers in NPS i.e. PoPs,
specific to the CRA application system, all charge fees which are collected upfront from
relevant CRA project data, dedicated specific the subscribers. The charge for registration
hardware/software components of Data Centre of Atal Pension Yojana (APY) is borne by
and Disaster Recovery Centre, networks and all the government. In the next stage, CRA, the
other facilities excluding physical infrastructure recordkeeping agency, levies fee for opening
(building, air conditioners, power supply account and generation of PRAN, maintenance
infrastructure, furniture). of account by cancellation of units. Thereafter,
for each transaction involving contribution of
On the expiry of the tenure of the registration
the subscribers there is charge by both CRA and
or in the event of termination of the CRA,
POP. Investment management fee is charged by
information and regulated assets held by CRA
the Pension Funds for managing the investment
shall be transferred to another CRA registered
portfolio of the subscribers. The custodian of the
with the Authority, within the time period and
securities charges for the assets under its custody
in the manner, as may be required under the
and reimbursement of NPS Trust expenses are
PFRDA Act, rules or regulations or as may be
charged from the subscribers.
directed by the Authority.
64Annual Report | 2018-19
Table 3.19: Fees and charges to the subscribers at various stages
Intermediary Fees / Charges Private Govt.* NPS Lite/ APY
Central PRA Opening NSDL: Rs. 40.00 NSDL: Rs. 40.00 NSDL: Rs. 15.00
Recordkeeping charges
Karvy #: Rs 39.36 Karvy : Rs 39.36 Karvy : Rs. 15.00
Agency
Annual PRA NSDL: Rs. 95.00 NSDL: Rs. 95.00 NSDL: Rs. 25.00
Maintenance cost per
Karvy : Rs 57.63 Karvy : Rs 57.63 Karvy : Rs 14.40
account
Charge per NSDL: Rs. 3.75 NSDL: Rs. 3.75 NA
transaction
Karvy : Rs 3.36 Karvy : Rs 3.36
Point of Initial subscriber Rs. 200 NA NA
Presence registration and
contribution upload
Any Subsequent 0.25% of contribution, NA 0.25% of the total
Transactions Min. Rs 20 Max. Rs contribution in a
25000 financial year subject to a
minimum of Rs. 20/-.
All non-financial Rs 20 Rs. 10/- per transaction
charges
Persistency Charge > Rs. 50 per annum NA NA
6 months & Minimum
contribution Rs. 1000
p.a
Contribution through 0.10% of NA NA
eNPS contribution** Min.
Rs 10 Max.Rs.10000
Trustee Bank NIL
Custodian Asset Servicing 0.0032% p.a for Electronic segment & Physical segment
charges
Pension Funds Investment 0.01% p.a 0.0102% p.a. 0.01% p.a
Management Fee
NPS Trust Reimbursement of 1. from 01.04.2018 till 24.01.2019 charges were @0.005% p.a. of the
expenses AUM on daily accrual basis.
2. Since 25.01.2019 charges were stopped.
3. The same charges (i.e. @0.005%p.a. of AUM, daily accrual basis)
were again levied since 01.08.2019.
Retirement On Boarding Rs. 200 NA NA
Advisers
Subsequent Rs. 20 per NA NA
transaction charges transaction or max
Rs. 100/- annually
Advisory Fee 0.02% of AUM subject NA NA
to a minimum Rs.
100/- and maximum
Rs.1000/-per annum,
for providing advice
to the subscribers.
* In case of Government employees, CRA charges are being paid by the respective Governments.
# Karvy Computershare Pvt. Ltd has started operation wef 15th Feb, 2017.
65Part III
The fees received by PFRDA from the various intermediaries during the Financial Year 20118-19 is
provided in the table below:
Table 3.20: Fees received during the Financial Year 2018-19
S. Intermediary Fee receipt
No. (Rs. in Lakh)
1 Trustee Bank- Axis Bank 2402.75
2 Pension Fund 1198.91
3 CRA- NSDL- E Governance Infrastructure Ltd 717.40
4 Custodian - SHCIL 107.15
5 Retirement Advisor / POP/Aggregator/ASP/EMD/RFP Processing Fee 17.25
6 CRA- Karvy Computershare Pvt Ltd 1.31
Total 4444.77
Fee received from various intermediaries are accounted on realization basis.
Ltd.
3.15 Information sought for, inspections
• Kotak Mahindra Pension Fund
undertaken, inquiries conducted and
• ICICI Prudential Pension Funds Mgmt.
investigations undertaken including audit
Co. Ltd
of intermediaries and other entities or
organisations connected with pension funds` • Reliance Capital Pension Fund Ltd.
• Birla Sun Life Pension Management Ltd
3.15.1 Inquiries & Investigations
The inspection was conducted as per the pre-
PFRDA and NPS Trust review the reports
defined scope of inspection and checking of
submitted by CRA, Trustee Bank and their
compliance pertaining to the Regulations,
auditors to ensure that the intermediary is
Guidelines, Directives issued by the Authority.
following the turnaround time as defined in
service level agreements. The audit of the schemes managed by the
respective Pension Funds was also done. Pension
3.15.2 Inspection & Audits
Funds are also subject to Statutory Audit.
PFRDA, Central Recordkeeping Agency and
PFRDA also undertakes supervision of Non-
Trustee Bank regulations also have provision to
Government Sector such as Points of Presence
conduct audit and inspection of CRA and Trustee
under NPS, NPS-Lite and APY with respect
Bank to protect the interests of the subscribers.
to their compliance with the Pension Fund
During FY 2018-19, internal Audit of all the
Regulatory and Development Authority (Point of
Pension Funds were undertaken by the Internal
Presence) Regulations, 2018 and the operational
Auditors appointed by Pension Funds as per the
guidelines issued thereunder.
Guidance Note for the appointment of Internal
Auditor issued by the Authority. Regular supervision through monitoring,
analysis and in-depth inspection are often done
During the Financial Year 2018-19, inspection
through both offsite and on-site basis. POPs are
of 08 Pension Funds for the FY 2017-18 was
registered for activities under NPS, NPS-Lite
conducted -namely;
and APY and RAs are registered for activities
under NPS.
• SBI Pension Fund Pvt Ltd
• LIC Pension Fund Ltd (a) Offsite monitoring:
• UTI Retirement Solutions Ltd
PFRDA examines and reviews the reports
• HDFC Pension Management Company
submitted by the intermediaries to PFRDA
66Annual Report | 2018-19
and NPS-Trust w.r.t. their adherence to the prima facie discloses any act of omission or
regulations and operational guidelines issued commission covered under one or more sections
by the Authority. The defaulting intermediaries of Section 28 of the Act, submits a formal
are advised to take corrective action and adhere preliminary report.
to the specified operational TATs and to pay
For all other intermediaries under NPS, similar
compensation. While the repetitive defaulters are
mechanism exists for offsite/onsite inspections.
issued notices as per the prescribed procedure
for ensuring the compliance in order to protect
Further submission of other reports in respect of
the interest of the subscribers, various remedial
following matters:
measures are suggested to intermediaries
and NPS-Trust on concerns with respect to i) Every case of violation of this Act or of any
compliance of respective operational guidelines rule or regulation made thereunder: As
and regulations. The offsite monitoring and per the Final order issued by designated
supervision includes the following: member for imposing penalty under
Sections 30, of the PFRDA Act, 2013
Meetings with the defaulting intermediaries for
and PFRDA (Procedure for Inquiry
ensuring operational compliance.
by Adjudicating Officer) Regulations,
2015, violation of sub section 28(4) of the
(b) Onsite monitoring:
PFRDA Act, 2013 was observed against
PFRDA also conducts onsite inspections of Alankit Assignments Ltd.(in capacity of
the POPs based on certain parameters viz. the Aggregator)
number of NPS subscribers enrolled, pending ii) the extent to which the decisions of the
subscribers’ requests and grievances. During Authority have been complied with: Fully
the year 2018-19, 16 onsite inspections of POPs Complied.
for activities under NPS, NPS lite and APY have
been conducted. The intermediaries are followed 3.16 Others
up for the closure of their inspection reports after
3.16.1 Subscribers (category wise) covered
ensuring their compliance.
under the National Pension System and other
(c) Issuance of advisories/directions/notices pension schemes under the Act
under Regulation 14 2(o) of PFRDA Act to PoPs
a) Number of subscribers under NPS over
under NPS, NPS-Lite, APY and RAs
the years
The department issues advisories / directions Enrolment of subscribers in NPS increased
/ notices to POPs to ensure the compliance and from 211.78 lakh in March 2018 to 273.55 lakh
smooth functioning of activities carried out by in March, 2019. The growth of number of
intermediaries. subscribers during 2018-19 is 29 per cent. A year-
wise number of NPS subscribers is provided in
(d) Submission of preliminary report:
Chart 3.1.
The supervision department, in the event of any
alleged violations having been detected, which
67Part III
Table 3.21: Sector wise number of Subscribers under NPS/APY
Sectors Mar-18 Mar-19 Growth over year
( No. in lakh) ( No. in lakh) Absolute increase %
( No. in lakh)
Central Government 19.22 19.85 0.63 3.28
% to total 9.08 7.25
State Government 38.68 43.21 4.53 11.71
% to total 18.26 15.8
Corporate 6.96 8.03 1.07 15.37
% to total 3.29 2.94
UoS (All Citizen) 6.91 9.30 2.39 34.59
% to total 3.26 3.40
NPS Lite/Swavalamban* 43.95 43.63
% to total 20.75 15.95
APY 96.06 149.54 53.48 55.67
% to total 45.36 59.66
Total 211.78 273.55 57.39 29.17
*(No fresh registration permitted after 01st April, 2015, post launch of APY)
Chart 3.1: Year wise number of subscribers under NPS & APY
68Annual Report | 2018-19
b) No. of subscribers – Sector wise Unorganised Sector
Government Sector Table 3.24: No. of subscribers, contribution &
AUM of NPS Lite & APY as on 31.03.2019
Table 3.22 No. of subscribers, contribution &
AUM of Govt. Sector as on 31.03.2019 Particulars Subscribers Contributions AUM
(Nos.) (Rs. in Crs) (Rs. in
Crs)
Sector No. of Contribution AUM
subscribers (Rs. crore) (Rs. crore) NPS Lite/ 43.63 2555.18 3409.23
(In Lakh) Swavalamban
Central 19.85 78,379.20 1,09,009.55
Atal Pension 149.53 6335.09 6860.30
Government
Yojana
State 43.21 1,24,190.66 1,58,491.37 Total 193.16 8890.27 10269.53
Government
Total 63.06 2,02,569.86 2,67,500.92 • Number of subscribers under NPS Lite and
APY, together, has increased from 140.01
• Government subscribers have increased
lakh in March 2018 to 193.16 lakh in March
from 57.90 lakh as end of March 2018 to
2019, increasing by 53.15 lakh subscribers
63.06 lakh subscribers as end of March
(37.96%).
2019, registering an increase of 5.16 lakh
• New entry into Swavalamban scheme has
(8.91%).
been discontinued w.e.f April 1, 2015 and
APY was launched on 9th May, 2015 and
Private Sector
it became operational from 1st July, 2015.
Table 3.23: No. of subscribers, contribution & APY is focused on the poor and the under-
AUM of Private Sector as on 31.03.2019 privileged citizen of India; it will provide a
defined pension after 60 years of age.
Particulars Subscribers Contributions AUM • Under the APY, the subscribers would
(Nos. in (Rs. in Crs) (Rs. in Crs) receive the minimum guaranteed pension
Lakh)
of Rs. 1000 per month, Rs. 2000 per month,
Corporate 8.03 24436.77 30,874.79 Rs. 3000 per month, Rs. 4000 per month,
Sector
Rs. 5000 per month, at the age of 60 years,
UoS/All 9.30 9685.54 9568.50*
depending on their contributions, which
Citizen
itself would be based on the subscriber’s
Total 17.33 34122.31 40443.29 age on joining the APY. The minimum age
of joining APY is 18 years and maximum
*mainly attributed to shifting of PRAN from one
age is 40 years. Therefore, minimum period
sector to other sector.
of contribution by any subscriber under
• Under Private sector, number of corporate APY would be 20 years or more.
subscribers has increased from 6.96 lakh to
• Scheme operates through all Bank Branches
8.03 lakh, an increase of 1.07 lakh (15.37%)
/Post Offices having CBS platform
subscribers. The subscribers under UoS/
registered with Central Recordkeeping
All Citizen have increased from 6.91 lakh
Agency (CRA).
as end of March 2018 to 9.30 lakh as end
During FY 2018-19, 149.53 lakh subscribers have
of March 2019, an increase of 2.39 lakh
been registered under APY, further 11.49 lakh
(34.59%) subscribers.
subscribers were eligible for Government co-
contribution. Under APY,
a. 21% of the subscribers have opted for Rs
5000 pension amount
b. 61 % of the pension aspirants are in the age
group above 26 years
69Part III
c. The ratio of female and male subscribers is 3.16.2 Points of presence
42 : 58 Under POP Regulations, 2018, PFRDA has issued
Table 3.25: Details of APY subscribers on the Certificate of Registration (CoR) to 268 PoPs. The
basis of Gender, Pension amount and Age. overall registered list of POPs under the system is
at Annexure II & III.
Gender wise
3.16.3 Asset under Management Scheme wise
Sr. PRAN
Gender Percentage
No. Count The details of the scheme wise asset under
management in given in the table below:
1 Female 6,470,224 41.96
2 Male 8,944,417 58.01 Table 3.26: Scheme wise Asset under Management
3 Transgender 3,644 0.02 (Rs. in Crores)
Total 15,418,285 100.00 Scheme Mar-18 Mar-19 % Growth
CG 84955 1,09,011
Pension Amount wise SG 115989 1,58,881
Pension Subtotal 200944 2,67,892 33%
Sr. Amount PRAN
Percentage Cor.CG 14846 20683
No. (Rs. Per Count
E-I 4308 7234
month)
C-I 2847 4422
1 1,000 10,465,175 67.88
G-I 4243 6897
2 2,000 979,412 6.35
A-I 7 20
3 3,000 500,754 3.25
E-II 217 325
4 4,000 206,278 1.34
C-II 162 209
5 5,000 3,266,666 21.19
G-II 181 263
Total 15,418,285 100.00
NPS Lite 3006 3409
APY 3818 6860
Age wise
Subtotal 33636 50322 50 %
Sr. PRAN
Age Range Percentage Grand Total 234579 3,18,214 36%
No. Count
*Source NPS-Trust
1 Between 18 1,977,639 12.83
Note : Corporate CG does not include AUM of
to 20 Years Damodar Valley Corporation accordingly AUM of
2 Between 21 3,968,264 25.74 Rs. 309.69 cr. (last year Rs. 309.94 cr.) is shown under
SG.
to 25 Years
3 Between 26 4,028,629 26.13 The table above indicate that the asset under
to 30 Years management for government sector NPS schemes
4 Between 31 3,394,552 22.02 (CG and SG) has grown by around 33%. The asset
to 35 Years under management of the schemes other than
these two schemes has grown by around 50%.
5 Above 35 2,049,201 13.29
Though in absolute terms government sector
Years
schemes grew by Rs. 66,948 crores whereas other
Total 15,418,285 100.00
schemes in aggregate grew by Rs. 16,687 crores.
APY scheme is managed by three public sector
3.16.4 The Central Recordkeeping Agency, its
pension Funds namely LIC, SBI and UTI. The
role and functions
asset under management of this scheme as on
31.03.2019 is Rs. 6860.30 crores. The details of APY a) Introduction
subscriber base is provided at Annexure 1.
NSDL e-Governance Infrastructure Ltd,
was appointed by PFRDA, as the Central
70Annual Report | 2018-19
Recordkeeping Agency and an agreement was option to individual employees and in all other
executed on November 26, 2007. cases, the choice of selection of CRA will rest with
the employee/ subscriber under NPS. In case of
After notification of the PFRDA (Central
voluntary subscribers (without existence of any
Recordkeeping Agency) Regulations, 2015 with
employee-employer relationship) the option to
effect from April 27, 2015, NSDL e-Governance
choose a CRA rests with the subscriber in general.
Infrastructure Ltd was issued certificate of
In case of subscribers registered under Atal
registration to work as Central Recordkeeping
Pension Yojana, the respective government will
Agency effective from December 18, 2015 for the
chose the CRA for rendering the services. In case
remaining period of the original contract dated
of NPS-Lite subscribers the aggregator will have
November 26, 2007 effective from December 01,
the option to choose the CRA.
2007 for 10 years.
b) Role and responsibilities of CRA
CRA acts as an operational interface for all
intermediaries. The role includes liasoning with The major role and responsibilities of CRA are as
all necessary external agencies and recordkeeping, follows:
administration and customer service functions for
i. Continuous Enhancements and
all subscribers of the NPS.
developments of new functionalities
During the FY 2016-17, the Authority had It is the responsibility of the CRA to create and
registered M/s Karvy Computershare Private establish facilitation centres network across
Limited as second CRA and allowed them to start country. They have to develop various new
its operations for servicing of accounts sourced functionalities/utilities and do continuous
through e-NPS module of NPS Trust wherein enhancements and development of modules
the subscriber was provided an option to choose to address changing requirements of various
between NSDL e-governance Ltd (1st CRA) and stakeholders.
M/s Karvy Computershare Pvt. Ltd (2nd CRA)
ii. Services to Subscribers of all sectors
with effect from February 15, 2017 and other
The primary role of CRA is of recordkeeping,
distribution channels thereafter. M/s Karvy
administration, providing customer service
Computershare was allowed to service the new
functions for all NPS subscribers, issuance
accounts till March 31, 2017 and thereafter it was
of unique Permanent Retirement Account
allowed to function as a full-fledged CRA with
Number (PRAN) and IPIN/TPIN to the
interoperability functionality providing for option
subscribers. The various services to the
to shift for existing subscribers of NPS from April
subscribers includes sending SMS alerts and
01, 2017 onwards.
emails at the time of registration, credit/
Under sub regulation 4 of regulation 3 the CRA debit of units, withdrawal, balance in the
regulations, the allocation of the subscribers PRAN, conducting subscriber awareness
between the existing central recordkeeping programs and providing web based access to
agency and the other central recordkeeping all the NPS stakeholders. CRA also provides
agency or agencies, if appointed, shall be based Centralized Grievance Management System
on a transparent criteria and process as may be and call centre facility to the subscribers
notified by the Authority from time to time having and Nodal offices. Besides these services
regard to the subscribers’ interest. Accordingly, all subscriber maintenance services such as
the criterion for allocation of subscribers is change of scheme, change of demographic
mentioned as under:- details, grievance handling etc. are being
handled by CRA.
In case where there is employee- employer
relationship, including corporate, if the CRA iii. Services to Intermediaries
charges are being borne by the employer, the a) PFMs:
decision to select the CRA shall rest with the It is the primary responsibility of CRA
employer, unless they specifically delegates the to timely intimate the position of the
71Part III
funds to PFMs, prepare and send details for the subscriber’s annuity
consolidated Investment Preference to ASPs. Transferring electronic
Scheme information, sending net fund data transfer to ASPs with respect
transfer report to PFMs on the basis of to subscriber details and sending
confirmation of fund transfer report instruction on Annuity scheme.
received from Trustee bank and to
iv. Others:
measure the Scheme performance
Provide periodic and ad-hoc MIS (including
reports using NAVs send by PFMs to
Grievance redressal) to PFRDA, State
CRA.
Governments, Central Government and
b) TB: Ministry of Finance, conduct periodic
To reconcile pension fund reports orientation programs for nodal offices and
received from Trustee Account to provide seamless and error-free system
with pension fund contribution operations involving CRA system, PFMs,
information report and generate TB and other entities in NPS
error/discrepancy report on fund
a) Annual fee
reconciliation, sending instruction
to Trustee Bank to remit withdrawal The Central recordkeeping agency will pay
fund to subscribers’ account and remit an annual fee at the rate of 0.05 times of the
remaining amount to Annuity Service service charges as specified in regulation 22
Providers’ account against the annuity of PFRDA (Central Recordkeeping Agency)
scheme Regulations, 2015.
b) CRA Service Charges
c) ASPs:
To collect physical application forms The charge structure for NPS regular and
from the subscribers and forward them NPS Lite/APY subscribers is provided
to ASPs and sending funds transfer hereunder the information of all concerned:
Table 3.27: Charge structure for NPS regular and NPS Lite/APY
M/s NSDL e-governance M/s Karvy Computershare Pvt
S. Infrastructure Ltd (1st CRA) Ltd (2nd CRA)
Service Charge head
No. NPS Regular NPS Lite/ APY NPS Regular NPS Lite/ APY
(Rs.) (Rs.) (Rs.) (Rs.)
1 PRA opening charges 40.00 15.00 39.36 15.00
2 PRA Annual maintenance 95.00 25.00 57.63 14.40
charges
3 Transaction charges 3.75 NIL 3.36 NIL
c) Regulations conduct of the entity who wish to function
as Central Recordkeeping Agency.
The PFRDA (Central Recordkeeping
Regulations would ensure an effective and
Agency) Regulations, 2015, have been
credible use of inspection, investigation,
notified on 27th April, 2015. Subsequently,
surveillance and enforcement powers and
PFRDA (Central Recordkeeping Agency)
implementation of an efficient compliance
(First Amendment) Regulations, 2018 have
program in tune with the spirit of PFRDA
been notified on 25th June 2018.
Act.
The objective of the Pension Fund Regulatory
Entity registered as Central Recordkeeping
and Development Authority (Central
Agency through this regulation is required
Recordkeeping Agency) Regulations,
to establish an internal system that delivers
2015 is to set standards for the eligibility,
compliance with standards for internal
governance, organization and operational
72Annual Report | 2018-19
organization and operational conduct, with a) The existing scheme in which funds
the aim of protecting the interests of NPS are allocated by PFRDA among
subscribers and their assets. three public sector undertaking fund
managers shall continue as default
d) Development of new functionalities
scheme for both new and existing
Continuous enhancements and development subscribers.
of modules to address changing b) Auto Choice Moderate (LC 50)
requirements of various stakeholders is c) Auto Choice Conservative (LC 25)
one the main objective of CRA. Various d) Active Choice G (100% G, i.e., funds
functionalities were developed by CRA will be invested in G-Sec only) scheme
to ensure the seamless functioning of NPS of any of the PFMs.
system. Few of the major developments are
• Increase in Govt. co-contribution from
as under:
10% to 14% for Central Govt. subscribers
Facilities available under NPS to Subscriber: w.e.f. 01.04.2019.
• All Citizens of India sector Subscribers • PAN based registration made available for
have an option to shift to eNPS by initiating Non Bank POPs if the subscriber is already
a shifting request in their CRA login. an existing customer of the non-Bank POP.
• Facility for instant generation of IPIN / • Addition of following sub-categories in
TPIN a feature has been enabled in the CGMS for Withdrawal
CRA system to facilitate the Subscribers 1. Partial withdrawal not initiated / not
to generate instant IPIN (Internet Personal authorised / amount not received
Identification Number) on the same day of 2. Exit not initiated / not authorised /
generation of PRAN. The facility is applicable amount not received
for Subscribers who have registered their 3. Pre-mature withdrawal not initiated /
Mobile Number and/or email ID in the not authorised / amount not received
system. The Subscriber is required to access 4. Death withdrawal not initiated / not
the CRA system to generate IPIN using OTP authorised / amount not received
(One Time Password) on Mobile Number
• ‘NPS ki Paathshala’ videos on Youtube for
and/or email ID.
making the subscribers and nodal offices
• The following functionalities have been
more aware about the various functionalities
made available 24*7 for Subscribers in the
and benefits of NPS.
CRA system:
• CGMS made available in Hindi- CGMS
a. One Way Switch
available for subscribers in eNPS has been
b. Tier II Partial Withdrawal
provided the option to select the language
c. Conditional Withdrawal
Hindi or English by Karvy CRA.
d. Scheme Preference Change
• Frequently Asked Questions (FAQs) along
e. FATCA Self Certification
with answers against respective query
f. Aadhaar Seeding
category are now available to Subscriber
g. Aadhaar based address update
& Entity (raising grievance on behalf of
• Change of PFM and Investment Option NPS Subscriber) in CGMS. The Subscriber
At present, the option of Scheme Preference raising any query through CGMS will have
Change for Tier I account is available only a provision to view the FAQs & relevant
to All Citizens of India (UoS) and Corporate answers based on the category of grievance
Subscribers. Now, the Scheme Preference selected.
Change option will be made available to
• For Facility of document (Exit Applications/
Central Government Subscribers for Tier I
KYC documents) upload (in .pdf format)
Account w.e.f. 01.04.2019 wherein following
to Subscribers /DDOs/ Nodal Offices for
option will be allowed:
Superannuation, Premature and Death Exit
73Part III
requests. • CGMS available for subscribers in eNPS
• Post Supreme Court Judgment on Aadhar, has been provided the option to select the
the Aadhar based registration and language Hindi introduction by Karvy
authentication has been stopped under NPS CRA.
and APY. • To facilitate Subscribers and Nodal Offices,
• Alerts: CRA is sending alerts to the Limited Access View has been enabled
subscribers for various transactions on CRA’s website, to view the status of
under NPS. Now the alert will be send to grievances. The Subscribers and Nodal
the subscribers for whom fund receipt Offices can check the status of grievance
confirmation is received from Trustee Bank directly without logging to CRA system.
for investment under NPS. In this regard, an Now, an additional check to provide mobile
SMS will be sent to the subscribers that the number has been included alongwith other
confirmation for fund has been received and details like Token No., Captcha code etc. in
units for the same will be credited at the end search criteria to view grievance status
of day. This will help subscribers to know in • A pop-up of Frequently Asked Questions
advance for investment under NPS (FAQs) at the time of raising enquiries in
• As per PFRDA (Exit and Withdrawal) CGMS of CRA has been enabled to ensure
Regulations, 2015, a partial withdrawal that requisite basic information becomes
of accumulated pension wealth under readily available to the Subscriber and
NPS, at any time before exit from NPS is grievance does not get raised in the CGMS.
permitted subject to terms and conditions, • Under NPS, Subscribers/Nodal Offices
purpose, frequency and limits specified have an option to raise grievances in Central
in the regulations. Now, as per Third & Grievance Management System (CGMS).
Forth Amendment to PFRDA (Exit and Now, a provision is made in CGMS such
Withdrawal) Regulations, 2015, partial that at the time of escalating grievance to
withdrawal will also be allowed for NPS Trust, the Subscriber will have an
following purposes. These new options have option to provide additional information
been implemented in online withdrawal for grievance or escalate the grievance to
module of CRA system NPS Trust.
1. To meet medical & incidental expenses
New features under eNPS
due to disability/incapacitation
2. For skill development/re-skilling or • In eNPS, the KYC details of Subscribers
any other self-development activities are verified by Bank POPs at the time of
enrolment through PAN based registration.
3. For establishment of own venture or
Now, as per PFRDA’s guidelines, non-Bank
any start-up
POPs which are registered with any of the
Enhancement in Central Grievance Management financial regulators have been allowed to
System (CGMS) verify the KYC of their customers while
registering them under eNPS. Accordingly,
• Now, the following sub-categories have
PAN based Subscriber Registration through
been added in CGMS for ‘’Withdrawal’’
non-bank POPs has been enabled under
category.
eNPS.
1. Partial withdrawal not initiated / not
• e-Sign functionality has been implemented
authorised / amount not received
under eNPS platform for PAN based
2. Exit not initiated / not authorised /
Subscriber Registration and Tier II
amount not received
Registration. Now, Subscribers can directly
3. Pre-mature withdrawal not initiated /
eSign the application form for Registration
not authorised / amount not received
and Tier II Activation instead of submitting
4. Death withdrawal not initiated / not
physical form to CRA.
authorised / amount not received
74Annual Report | 2018-19
• The facility to download and/or print app has been released for Subscribers.
ePRAN Card and Transaction Statement Subscriber can login in NPS mobile app
is availbale to APY Subscriber. The APY using login credentials and select “FATCA/
Subscriber can access their ePRAN Card and CRS Certification” option. The Subscriber
Transaction Statement through CRA NPS is required to fill-up the requisite FATCA
Lite website (www.npslite-nsdl.com). The details and submit the same through duly
Subscriber have an option to search their authorisation by generating OTP on his/her
ePRAN Card and Transaction Statement registered mobile number.
with/without PRAN details. The Subscriber • An additional option to view historical NAV
are then required to provide minimum has been made available in Mobile App.
details like PRAN and Bank Account
Number or Subscriber Name, Bank Account APY Mobile app is available both for NPS Lite
Number and Date or birth registered in the and APY subscribers.
CRA system under APY.
Alert for Grievances
• APY Subscribers have been given an
option to have a physical APY PRAN Card • An Email/SMS alert (along with Token No.)
through eNPS. The Subscriber is required is sent to APY Subscriber on generation and
to access eNPS platform and submit a resolution of a grievance in CRA system.
request for physical PRAN Card by paying A view facility has been enabled for CRA
the applicable charges through Payment call center user to view the details of email
Gateway. and SMS sent to particular subscriber. This
will help the CRA user to serve/resolve the
Features in NPS Mobile App
subscribers query efficiently in less time.
NPS subscribers can access their account through
PRAN/ePRAN for APY
the NPS mobile application. This application
provides various features and allows easy access APY Subscribers have been given an option to
to the subscriber’s retirement funds. The following have a physical APY PRAN Card through eNPS.
features have been added in NPS Mobile App: The Subscriber is required to access eNPS platform
and submit a request for physical PRAN Card by
• Request status view for Scheme Preference
paying the applicable charges through Payment
Change, Grievances.
Gateway. On receipt of request, physical PRAN
• Option of providing mobile number while kit is dispatched by CRA at the Subscriber’s
raising enquiry/grievances. address registered in the CRA system.
• Message notification in landing page, in
Survey
case of server downtime.
• ePRAN View. Online Survey facility, this initiative, an
online platform has been developed by CRA
• The NPS Mobile App has been upgraded
for conducting surveys wherein feedback/
with the relevant changes with respect to the
replies can be given online by Subscriber/target
option of selecting the Pension Funds (PFs)
group engagement by accessing the relevant
and Investment Pattern in Tier I account.
link. Various survey has been undertaken by
• Mobile app has been made available
the Authority to create/assess the awareness
for subscribers using IOS and Windows
amongst the suscbribers.
platform. An option to check FATCA
compliance status has also been provided Error Rectification Module (ERM)
in limited access view at www.npscra.nsdl.
co.in. An ERM request can be processed by the Nodal
Office through whom the contributions were
• Now, an additional option to submit
uploaded in CRA system. In addition, now in
FATCA declaration through NPS mobile
case of State Govt., the facility to perform a single
75Part III
ERM transaction on behalf of all the underlying regarding their general queries / complaints.
Nodal Offices is provided to the Oversight Office. This is in addition to an existing toll free number
This will save efforts and time of multiple ERM (1800222080) available for NPS Subscribers.
requests being captured by different Nodal
3.16.5 Pension funds
Offices.
The management of the assets under NPS and
Online Corporate Registration
any other scheme regulated / administered by
A facility for online registration is enabled for PFRDA is done by professional fund managers
Corporates through eNPS platform. Corporate appointed exclusively for this purpose.
is required to provide the requisite registration
Functions of Pension Funds
details and select a POP for association and
submission of the relevant documents for further
The functions of the Pension Funds
processing. The registration details captured by
include:
the Corporate are to be authorized by associated
POP. a. Professional investment of funds as per
investment guidelines prescribed by
Further, earlier there was one option where
the Authority and in the best interest of
Corporate can choose the Pension Fund and Asset
subscribers.
allocation can be provided by subscribers and if in
b. Scheme portfolio construction as per laid
case choice is given to subscribers, Pension Fund
out schemes by the Authority.
and Asset allocation was require to be selected
c. Maintenance of books and records of its
by the subscribers. Now, in case of choice made
operations.
by Corporate, the same has been changed for
prospective corporates wherein corporate has to d. Reporting to the Authority and NPST at
choose the Pension Fund as well as asset allocation periodical interval.
while applying for registration under NPS. e. Public disclosure.
Moreover, the choice of selecting the scheme There are eight Pension Funds under NPS.
preference under NPS will be either at Corporate The following three Pension Funds manage
level or at Subscriber level. Government sector schemes and APY scheme
Retirement Adviser i) LIC Pension Fund Limited
ii) SBI Pension Funds Pvt. Ltd
The Retirement Advisers (RAs) are appointed
by PFRDA to engage in the activity of providing iii) UTI Retirement Solutions Ltd
advice on NPS thereby to extend the reach of
The investment management fee charged by
NPS. The RAs can be an individual, registered
Pension Funds for managing the Govt. employees
partnership firm, body corporate, or any
NPS portfolio is presently 0.0102 per cent per
registered Trust or society. The online platform
annum of the assets under management.
has been developed and released in the CRA
systems to facilitate registration of an individual/ The private sector NPS schemes are managed by
entity as RA. the following Pension Funds:
The facility of Aadhaar based PRAN generation i) HDFC Pension Management Co. Ltd.
is also provided to RA’s. RA is required to login
ii) ICICI Prudential Pension Fund Management
in the CRA system (www.cra-nsdl.com) using
Co. Ltd.
its login credentials and click on ‘Subscriber
iii) Kotak Mahindra Pension Fund Ltd.
Registration’ for generating PRAN under NPS.
iv) LIC Pension Fund Ltd.
CRA Toll Free Helpline
v) Reliance Capital Pension Fund Ltd.
Dedicated toll free number (1800222081) is vi) SBI Pension Funds Pvt. Ltd
available to Nodal Offices for contacting CRA
76Annual Report | 2018-19
vii) UTI Retirement Solutions Pvt. Ltd 2) Trustee Bank uploads a file containing
viii) Birla Sun Life Pension Management Limited the details of the funds received from
various Nodal Offices to the CRA
3.16.6 The Trustee Bank system. These details are then matched
with contribution details provided by
a) Trustee Bank:
Nodal Office(s) to CRA system.
Axis Bank Ltd. was selected Trustee Bank under
3) Trustee Bank receives fund transfer
NPS through an open bidding process with effect
instructions from CRA system as a
from 1st July 2015 for a period of 5 years, as per the
part of Pay-in Pay –Out process to
terms of the PFRDA (Trustee Bank) Regulations,
transfer funds to various entities viz.
2015.
PFMs, Annuity Providers, Withdrawal
Account and may also receive funds
b) Roles and responsibilities of Trustee
from Pension Fund Manager(s).
Bank:
4) Return of unidentified remittances
1) Trustee Bank facilitates fund transfers
or remittances with incomplete
across various entities of CRA system
information to the concerned entity.
viz. Nodal Offices (uploading offices),
5) At the end of each settlement day, the
Pension Fund Managers, Annuity
balance funds at Trustee Bank account
Service Providers and subscribers.
are reconciled with CRA system.
The following diagram depicts the role of Trustee Bank in the NPS architecture:
Chart 3.2: NPS architecture and intermediaries
77Part III
c) Timelines for Trustee Bank timely. PFRDA has continuously taken up
the matter of missing credits in the PRAN
The business activities of Trustee Bank are linked
of the subscribers with the concerned
with the other processes at CRA. Therefore, bank
organisations- PAOs, so that the subscribers
ensures that the activities are completed within
do not lose on investment opportunity as a
the timelines specified. The chart given below
result of the delay.
gives the basic idea of the core activities and time
iii) Funds remitted with incomplete details-
limit within which the same is carried out by the
Many Nodal Offices remitted funds to the
Bank:
Trustee Bank without complete details like
Table 3.28: Core activities of the Trustee Bank PAO id, Transaction Id, etc. These funds
received by the Trustee Bank prior to May
Nature of Activity Timelines 2012, are lying unidentified for which
Return of unidentified funds T+1 Nodal Offices have neither provided Fund
Transfer Details (FTDs) nor uploaded SCFs.
Upload of Fund Receipt T+1 (by 9:00
PFRDA is continuously following it up with
Confirmation file (FRC) a.m.)
the Nodal offices for resolution of the same.
Download Pay- in instruction Daily
iv) Return of Outward remittances by TB to
files from CRA
Subscribers – The withdrawal funds remitted
Transfer of matched and T+1 by TB to the subscribers gets returned due
booked funds to Pension to various reasons, the most important of
these being Incorrect bank details, Incorrect
Fund Managers
IFSC, mismatch in beneficiary name etc.
Upload of statements and Daily
closing balance of various PFRDA (Trustee Bank) regulations, 2015 had been
accounts notified on 23rd March, 2015.
Note: (Assumption- Fund realisation at TB on day T) The objective of the Pension Fund Regulatory
and Development Authority (Trustee Bank)
1. Challenges faced Regulations is to set standards for the eligibility,
governance, organization and operational conduct
i) Pending SCFs- Many Nodal Offices have
of the entity who wish to function as Trustee Bank.
uploaded SCFs twice or have not remitted
Regulations would ensure an effective and credible
funds corresponding to these SCFs. PFRDA
use of inspection, investigation, surveillance and
tries its best to get these SCFs matched and
enforcement powers and implementation of an
booked within the prescribed timelines.
efficient compliance program in tune with the
ii) Missing credit- At times many Nodal
spirit of PFRDA Act.
Offices are not regular in remitting funds
Chart 3.3: Daily Average Balance (in Crs.) - Trend during FY 2018-19
78Annual Report | 2018-19
3.16.7 The Custodian under the National are required for enabling it to co-ordinate
Pension System with other intermediaries and entities and
adapt to future changes including changes
Custodian of Securities” means an entity which
on account of technology advancements,
has been granted a certificate of registration
changes in system specifications and
under sub-section (3) of section 27 of the Act by
services and undertake functional
the Authority as a custodian of securities for the
obligations specified by the Authority.
purpose of providing custodial and depository
(3) The custodian of securities shall take
participant services for the pension schemes
all necessary precautions to ensure that
regulated by the Authority;
continuity of the record keeping is not lost
“Custodial services” means safekeeping of or destroyed and that sufficient back up of
securities or assets held under the National records are available.
Pension System or any other pension scheme (4) The custodian of securities shall ensure at
and providing services incidental thereto and all times that transactions in the pension
includes- schemes accounts are put through
according to the instructions of the pension
(i) maintaining accounts of securities or assets
fund or the National Pension System Trust
held;
and the securities held in such accounts
(ii) undertaking activities as a Domestic
are used only for transactions explicitly
Depository in terms of the Depositories
authorised by the pension fund or the
Act, 1996 (22 of 1996) or as permitted by the
National Pension System Trust.
Securities and Exchange Board of India;
(5) The custodian of securities shall ensure at
(iii) collecting the benefits or rights accruing on
all times that, the securities held on behalf
the securities or assets;
of the National Pension System Trust are
(iv) informing about the actions taken or to be separate and clearly segregated in its books
taken by the issuer of the securities, having from its own holdings, other client accounts
a bearing on the benefits or rights accruing and separated from all other activities.
on the securities or assets held; and The custodian of securities shall open
(v) maintaining and reconciling records of the a separate custody account for pension
services referred to in sub-clauses (i) to schemes regulated by the Authority and in
(iv); accordance with the manner specified for
registration of securities.
Presently, the Stock Holding Corporation of India
(6) The custodian of securities shall ensure
(SHCIL) is acting as Custodian of Securities.
that all the rights or entitlements on the
securities held in its custody for pension
General obligations of Custodian of Securities
schemes or the National Pension System
As per the Regulation no. 19 of the PFRDA Trust are received on time and in the
(Custodian of Securities) Regulations, 2015, manner specified by the Authority or the
general obligations of Custodian of Securities are National Pension System Trust.
listed below:
(7) The custodian of securities shall ensure
that the individual holdings of securities
(1) The custodian of securities shall exercise
in the pension scheme accounts are
at all times reasonable care, prudence,
reconciled with the depository holdings
professional skill and diligence while
and Constituents’ Subsidiary General
discharging its duties in the best interest of
Ledger (CSGL) account at the end of the
the subscribers.
day.
(2) The custodian of securities shall facilitate
(8) The custodian of securities shall be
adequate infrastructure information
continuously accountable for the
technology, systems and procedures that
movement of securities in and out of the
79Part III
pension scheme accounts and shall provide as may be specified by the Authority
complete audit trail whenever called for from time to time or as specified in the
by the Authority or the National Pension agreements
System Trust. (15) The custodian of securities shall maintain
(9) The custodian of securities shall create and proper books of accounts, registers,
maintain the records of securities held in records, documents and have adequate
its custody in such manner that the tracing mechanisms for the purposes of reviewing,
of securities or obtaining duplicate of the monitoring and evaluating the custodian’s
documents is facilitated, in the event of controls, systems, procedures and
loss of original records for any reason. safeguards.
(10) The custodian of securities shall ensure (16) The custodian of securities shall have its
that the securities handled by it under the books of accounts audited quarterly by
National Pension System or any pension an internal auditor and submit an extract
scheme regulated by the Authority are thereof relating to the assets or business
adequately insured. of the pension funds to the Authority or
(11) The custodian of securities shall have the National Pension System Trust, as
adequate systems for internal controls to specified, within thirty days from the date
prevent any manipulation of records and of audit.
documents including audits for securities (17) The custodian of securities shall adhere to
and rights or entitlements arising from all applicable rules, regulations, circulars
the securities held under this agreement. or guidelines framed, recommended,
The custodian of securities shall have mandated by any regulator, authority,
appropriate safekeeping measures to clearing corporation, exchange or
ensure that such securities (assets or depository for various functions or services
documents) are protected from theft or offerings to the National Pension System
natural hazard. Trust.
(12) The custodian of securities shall not be
Custodian Charges
entitled to setting off securities held in the
pension scheme accounts regulated by the
Asset 0.0032% per annum of asset
Authority or otherwise deal with them to
Servicing under custody for electronic and
extinguish partly or fully any amounts due
Charges physical segment
to it from the pension fund or the National
Pension System Trust without the prior
3.16.8 The National Pension System Trust
consent in writing from the Authority or
the National Pension System Trust. The NPS Trust was established in terms of the
Central Government letter D.O. No 5(75)/2006-
(13) The custodian of securities shall not
ECB & PR dated 24th April 2007. PFRDA is
encumber the securities in any manner
the settlor of the Trust and the execution of
including by an act of pledging,
the NPS Trust Deed by PFRDA took place
hypothecating or creating any charge or
on 27th February, 2008. A memorandum of
lien on the said securities. The custodian
Understanding was signed between PFRDA
of securities shall not convert the securities
and the NPS Trust highlighting the rights and
in any manner without the approval of the
obligations of both the parties on 1st July 2009.
Authority or the National Pension System
Trust.
The NPS Trust has been set up and constituted
(14) The custodian of securities shall transmit to hold the assets and funds under the NPS for
such reports and statements to the pension the benefit of the beneficiaries (subscribers).
fund or the National Pension System Trustees have the legal ownership of the
Trust or the Authority or to such other Trust Fund and the general superintendence,
intermediaries at such periodic intervals direction and management of the affairs of the
80Annual Report | 2018-19
Trust and all powers, authorities and discretions During the FY 2018-19, three (3) Trustees were
appurtenant to or incidental to the purpose of also appointed on the Board of Trustees of NPS
the trust absolutely vest in the Trustees, subject Trust, as per details given below:
nevertheless to the provision of the PFRDA Act-
i) Shri Suraj Bhan, Ex-IES, Former Additional
2013, Indian Trust Act – 1882, NPS Trust Deed and
Secretary (Labour), appointed on
further subject to such directions or guidelines
11/12/2018
that may be issued by PFRDA from time to time.
ii) Shri Sanjiv Mittal, IAS, Additional
However, the beneficial interest shall always vest
Chief Secretary, Finance Department,
with the beneficiaries of the NPS Trust.
Government of U.P. (being largest State in
Authority appoints a person with appropriate terms of subscribers under NPS) appointed
background and experience as Chief Executive on 11/01/2019
Officer of the Trust who is responsible for day-
iii) Shri S. K. Solanki, IAS, Secretary/
to-day administration and Management of the
Special Secretary, Finance (Expenditure),
Trust subject to the superintendence, control
Government of Rajasthan (being largest
and direction of the Board of The Board meets at
State in terms of AUM under NPS),
least once in every three calendar months. The
appointed on 11/01/2019
constitution of the NPS Trust Board as on March
31, 2019 is provided in the table below. 3.16.9 Retirement Advisor
The Retirement Advisers (RAs) are appointed
Table 3.29: The constitution of the NPS Trust
by PFRDA to engage in the activity of providing
Board as on March 31, 2019
advice on NPS thereby to extend the reach of
NPS. The RAs can be an individual, registered
S.No Name Designation
partnership firm, body corporate, or any
1 Sh. Ashvin Parekh Chairman & registered Trust or society. The online platform
Trustee has been developed and released in the CRA
2 Sh. Sanjeev Chanana Trustee system to facilitate registration of an individual/
entity as RA.
3 Sh. Atanu Sen Trustee
4 Sh. Dinesh Kumar Mehrotra Trustee With shift in the design of pension systems from
5 Sh. Radhakrishnan Nair Trustee defined-benefit plans to defined-contribution
plans where individuals need to make financial
6 Sh. Suraj Bhan Trustee
decisions and bear greater financial risk, selection
7 Sh. Sanjiv Mittal Trustee
of an appropriate investment pattern is crucial for
8 Sh. Surendra Kumar Solanki Trustee
the pension plan participants. India, considered
9 Sh. Munish Malik Chief to be low in financial literacy, demonstrates a
Executive tangible need for financial advice with respect
Officer
to retirement decisions. Retirement advisors are
playing an important role in guiding and helping
1. Management of NPS Funds by the NPS
consumers to have a better understanding of
Trust
investment and pay-out options. This necessitates
The NPS funds of subscribers held in the name
development of a pool of human resources having
of NPS Trust are managed by eight appointed
right skills and expertise in retirement advice and
pension funds on behalf of the Board of Trustees
choosing appropriate pension/savings product
to realize and fulfill the objectives of the NPS Trust
for retirement quality intermediation to market
in the interest of the Subscribers. The Performance
participants.
of the Pension funds are reviewed on a quarterly
basis by NPS Trust and instructions/Guidance is Taking into account international experience and
being given to them for protecting the interest of the needs of the Indian system of organised and
the subscribers. In addition, PFRDA also monitors unorganised workers, with a view to protecting
the performance of NPST & Pension Funds. the interests of retiring population and more
81Part III
importantly, for minimising risks of losses the development of Financial Technology
arising out of deficient understanding of the (Fin Tech) for the pension sector in a safe and
various options in the returns from the NPS, controlled environment. Accordingly, PFRDA
PFRDA has accredited National Institute of has constituted a Group with representative
Securities Markets (NISM) as the accredited from ReBIT, PFRDA, NPCI & NSDL to identify
institute for Certification of the Retirement areas under NPS which could utilize financial
Adviser Certification Examination. technologies (Fin-Tech) through Regulatory
Sandbox. The committee has submitted its report.
With the objective to provide a framework
The same has been posted on PFRDA’s website
for eligibility, registration process, fees etc. of
for public comments/feedback Comments/
Retirement Adviser and to define the scope of
Feedback.
work and responsibility of the Retirement Adviser
to ensure orderly growth of pension sector, c) e-NPS Online Platform
Pension Fund Regulatory and Development
In light of “Digital India” campaign on
Authority (Retirement Adviser) Regulations,
promoting e-governance for providing last
2016 were notified by PFRDA.
mile connectivity through extensive use of
3.16.10 Other functions carried out by the Information and Communications Technology
Authority in the area of pensions. platforms, PFRDA has been pursuing the
development and operationalization of online
a) Implementation of Cyber Security:
transaction facilities for the prospective as well
as existing subscribers of NPS. Towards this end,
PFRDA has constituted a Standing Committee
an online platform for registration of subscribers
on Information, Systems & Technology and
and receipt of contribution under National
Cyber Security in August 2018 with a view
Pension System (eNPS) through NPS Trust
to keep an eye on rapid technological change
at www.npstrust.org.in has been developed.
and its effect on the financial sector in order to
Through this platform, a prospective subscriber
safeguard the subscribers’ interest. The terms
can register for NPS; contribute to his/her
of reference of the said committee are to advise
Permanent Retirement Account. Further, the
on Information Systems, Technology & cyber
subscribers who already have an NPS account
security issues, development of Management
can make contributions through eNPS directly.
Information Systems (MIS), Supervisory and
A prospective subscriber can visit NPS Trust
Regulatory platforms, new opportunities and
website www.npstrust.org.in and select NPS
challenges of Financial Technologies, Regulatory
Online menu to register and contribute to NPS.
Technologies, strengthen the processes of cyber
While registering, a Subscriber will provide his/
security/system/information security audit
her name & Permanent Account Number (PAN)
of PFRDA and intermediaries under the NPS
details which will be validated online with the
architecture.
Income Tax Department. Subscriber will then
PFRDA has also engaged Chief Information select the Bank (through which KYC verification
Security Officer (CISO), to manage all IT and to be done), fill up the personal details and
Cyber issues within PFRDA and to coordinate upload photograph & signature. After filling up
with the intermediaries and other agencies like of details, the Subscriber will make contribution
CERT-In, NCIIPC on matters related to cyber through net banking from the account of the
security. selected Bank. Once payment is made, PRAN
will be provided online to the Subscriber. The
b) Fin-Tech through Regulatory Sandbox
details submitted by the subscriber will be sent
There has been tremendous change in the financial through CRA system to the selected Bank for
sector due to technological advancements and KYC verification. After verification of KYC by
innovations. Regulatory sandbox approach the Bank, the PRAN will become active and
could be utilised to experiment upcoming operational. Subscriber will be required to print
technologies and solutions in order to promote the form, paste photograph, affix signature
82Annual Report | 2018-19
and submit the physical form to CRA within a per CRA-NSDL and Karvy website., As on 31st
specified period while continuing contributing March 2019, 3.48 lakh Tier I accounts and 1.07
online. lakh Tier II accounts have been opened through
eNPS.
Subscriber can make subsequent contribution
online through net banking /debit card/credit d) APY Online Tools:
card at any time and the same will be credited in
PFRDA has offered several online features to
the subscriber’s PRAN account on T+2 basis. The
facilitate subscribers for access of APY features
complete information about eNPS is available in
without visiting the bank/post branch, such as:
PFRDA website www.pfrda.org.in and also on
NPS Trust website www.npstrust.org.in . As
Table 3.30: Available APY Online Tools:
Sr. No. Digital Utility Benefits
1 APY Grievance Module can be used for lodging a grievance and checking the status
Module of grievances raised by the subscribers. The Subscribers can use the
facility with or without PRAN.
2 APY Upgrade /APY APY subscribers can upgrade/downgrade a pension amount once
Downgrade View in a year. The feature enables the user to check the differential
amount to be deposited/ to be received back as per the new
guaranteed pension amount chosen. Higher amount needs to be
deposited in case of upgrade and additional contributions would
be returned to the subscribers in case of down grade.
3 ePRAN card/e SoT Useful for downloading of transaction statement and ePRAN card.
facility The option contains a search with PRAN and without PRAN. The
subscriber can download Transaction Statement financial year
wise.
4 APY@eNPS ( Digital Digital APY enrolment through eNPS ensures wider reach. It
On boarding facility is a user friendly platform and makes enrolment under APY in
into APY) a complete end to end digital interface without submission of
physical form by the prospective subscribers and without visiting
a bank branch.
5 Mobile Application APY Mobile applications empower the subscribers to view
Statement of Account and other details of their APY account.
APY subscribers with smart phones can down load APY mobile
applications from google store and install in their mobile phones
for real time viewing of APY Accounts.
e) Small finance Banks and Payment banks To strengthen the existing channels of APY
distribution, it was felt that these new Payments
Payments banks and Small Finance Banks are
Banks and Small Finance Banks will provide a
a new model of banks conceptualized by the
boost to the outreach of subscribers under APY.
Reserve Bank of India (RBI). Small Finance
Banks and Payment Banks are new age banks As on Mar/31/2019, the following Small Finance
and given the strength of the bank, expertise and Banks and Payment Banks are registered in CRA
it reach, Small Finance Bank and Payment Bank system.
can play a pivotal role in outreach of subscribers
under APY.
83Part III
Table 3.31: List of following Small Finance Banks and Payment Banks.
Name of the APY Service Provider NLOO Type of NLOO State No. of Subscribers
Reg. No. Banks Name Branches Registered As
Regd. as on (March 31,
NLCC 2019)
Airtel Payments Bank Limited 7004900 PAYB Haryana 1 48,182
ESAF Small Finance Bank Limited 7004885 SFB Kerala 445 9,190
Paytm Payments Bank Limited 7004863 PAYB Uttar Pradesh 1 0
Suryoday Small Finance Bank Limited 7004896 SFB Maharashtra 52 0
Au Small Finance Bank Limited 7004911 SFB Rajasthan 306 0
Ujjivan Small Finance Bank Limited 7004981 SFB Karnataka 0 0
Details with respect to the year on year performance in terms of subscriber registration is depicted in the tables
at Annexure I.
84Annual Report | 2018-19
Part IV
Pension Advisory Committee
4.1 Pension Advisory Committee The following agenda items were taken up for
discussion in the Twelfth Meeting of PAC, March
Section 45 of PFRDA Act provides for
18, 2019:
constitution of a Pension Advisory Committee
with representations from employees, • Engagement of Insurance Agents and
associations, subscribers, commerce & industry, Banking Correspondents as facilitators
intermediaries and organization engaged in For Distribution of Pension Schemes
pension research to advise the Authority on Regulated And Administered By PFRDA
matter relating to the making of regulations or - Amendment To Point of Presence
as may be referred to it. During the year under Regulations, 2018.
reference, the Pension Advisory Committee • Provisioning of Non-Performing Assets.
meetings took place i.e. on September 24, 2018,
• Other Pension schemes under PFRDA Act
and March 18, 2019 at New Delhi.
2013.
The following agenda items were taken up for • Transfer of Legacy Funds of Central
discussion in the Eleventh Meeting of PAC, 24th Government Subscribers pursuant to
September, 2018: opening of choices of Pension Funds and
Asset Allocation to them.
• Proposal on Amendments to the
Composition of Pension Advisory Committee
PFRDA(Pension Fund) Regulations, 2015
(PAC) is at Annexure IV.
• Exploring the possibility to increase the
age of superannuation from 60 years to 4.2 Regulations Made or Amended
70 years for subscribers covered under
The information pertaining to Regulatory
Individual capacity (All Citizen Model)
Developments made during financial year 2018-
and Corporate Model.
19 are as under
• Selection of default Pension Fund under
NPS Private Sector 1. New Regulations notified during FY 2018-
• Pension Funds providing Annuity under 19: NIL
NPS 2. Amendments in the Regulations during FY
2018-19:
Following amendments have been notified
during Apr 2018 - Mar 2019:
Table 4.1: Amendment in regulations
Sr. Amendment Date of Gazette
No. Notification
1. Pension fund regulatory and development authority (exits and withdrawals 18.05.2018
Under the national pension system) (fourth amendment) regulations, 2018
2. Pension Fund Regulatory and Development Authority (Central Recordkeeping 25.06.2018
Agency) (First Amendment) Regulations 2018
3. Pension Fund Regulatory And Development Authority(Point Of Presence) 25.06.2018
Regulations,2018
4. Pension Fund Regulatory and Development Authority (Exits and Withdrawals 19.02.2019
Under the National Pension System)(Fifth Amendment) Regulations, 2019
5. Pension Fund Regulatory and Development Authority (Trustee Bank) (First 19.02.2019
Amendment) Regulations, 2019
85Part IV
4.3 Constitution of Committee for utilization 4.4 Standing Committee on Information
of Subscriber Education and Protection Fund Technology and Cyber Security in PFRDA:
As per Section 6 of PFRDA (Subscriber Education PFRDA has constituted a Standing Committee
and Protection Fund), Regulations, 2015 a on Information, Systems & Technology and
committee was re-constituted on 25th March Cyber Security in August 2018 with a view
2019 for recommending subscriber education, to keep an eye on rapid technological change
awareness and protection activities and for and its effect on the financial sector in order to
utilization of the Fund. The Committee shall safeguard the subscribers’ interest. The terms
recommend utilization of funds for subscribers’ of reference of the said committee are to advise
education, awareness and protection. on Information Systems, Technology & cyber
security issues, development of Management
The committee may recommend projects
Information Systems (MIS), Supervisory and
and initiatives in association with various
Regulatory platforms, new opportunities and
institutions, associations and organization
challenges of Financial Technologies, Regulatory
etc. which are engaged in activities, related to
Technologies, strengthen the processes of cyber
subscriber awareness, education and protection.
security/system/information security audit
Committee met once during the financial year.
of PFRDA and intermediaries under the NPS
architecture. Committee has met twice in the
financial year.
86Annual Report | 2018-19
Part V
Organizational Matters of the Pension Fund Regulatory and
Development Authority
5.1 Constitution of PFRDA Board (iii) Part-Time Members
1. Ms. Annie George Mathew,
Section 4 of the PFRDA Act provides for the
Joint Secretary, Department of
composition of the Authority consisting of a
Expenditure, Part Time Member
Chairperson, three whole time members; and
from 12.12.2014 till date.
three part-time members to be appointed by the
2. Shri Sanjiv Narain Mathur, Joint
Central Govt. As on 31.03.2019, the composition
Secretary, DPPW, Ministry of
was as under:
Personnel, P G and Pensions, Part-
(i) Chairman Time Member from 11.08.2017 till
date.
Shri Hemant G. Contractor is the first
3. Shri Madnesh Kumar Mishra, Joint
Chairman to head the statutory Pension
Secretary, DFS, Ministry of Finance,
Fund Regulatory and Development
Part- Time Member from 03.11.2017
Authority (PFRDA) after notification of
till date.
PFRDA Act in 2014. He joined PFRDA on
7th October 2014. Prior to joining PFRDA
5.2 Meetings of the Authority
he was a career banker & joined State Bank
of India as Probationary Officer in 1974. Meetings of the Authority
(ii) Whole-Time Members Eight Meetings which include matters decided
1. Dr. B.S. Bhandari, Whole-Time through circulation of the Authority were held
Member (Economics) from 16.05.2014 during financial year 2018-19
till date.
2. Shri Supratim Bandopadhyay,
Whole-Time Member (Finance) from
12.03.2018 till date.
Table 5.1: Authority Meetings FY 2018-19
1. 70th Authority Meeting Held on 18th April 2018 Wednesday
2. 71st Authority Meeting Held on 28th May 2018 Monday
3. 72nd Authority Meeting Held on 30th July 2018 Monday
4. 73rd Authority Meeting Held on By Circulation
5. 74th Authority Meeting Held on 09th October 2018 Tuesday
6. 75th Authority Meeting Held on By Circulation
7. 76th Authority Meeting Held on 17th December 2018 Monday
8. 77th Authority Meeting Held on 19 February 2019 Tuesday
5.3 Staff Strength in PFRDA
7 of its officers are presently stationed at NPST
As on 31st March, 2019 the staff strength of
trust and are reporting to C.E.O, NPS Trust as
PFRDA is 58 out of which 56 are in officer cadre
per instructions of the Authority.
,1 Junior Assistant & 1 Staff Car Driver. Further,
87Part V
5.4 Setting up of SC/ST Cell and OBC Cell in PFRDA. Communications received in official
PFRDA language are also replied in official language.
All regulations framed by PFRDA are bilingual.
To implement Government instructions on
Keeping in view the large subscriber base of
welfare of SC/ST/PWD employees, a cell has
NPS consisting of various sections of the society,
been set up in PFRDA. A General Manager grade
the contents available in English are being
officer has been nominated as Liaison Officer for
translated into Official Language for the benefit
SCs/STs/PWDs. Also, a separate cell for welfare
of subscribers.
of OBCs has been set up in PFRDA. Further,
officer in the grade of Deputy General Manager 5.9 Right to Information:
is Liaison Officer for OBCs.
There is a dedicated cell in PFRDA to implement
5.5 Committee for Prevention of Sexual the Right to Information Act, 2005 (RTI Act).
Harassment at Workplace This Cell processes the applications received
under the Right to Information Act, 2005 and
A Committee for prevention of Sexual
works under Central Public Information Officer
Harassment at workplace is in place for
(CPIO). As required under the RTI Act, PFRDA
receiving complaints, holding enquiry etc. in
has designated an officer as the Appellate
accordance with the Sexual Harassment of
Authority (AA) with whom the appeals can be
Women at Workplace (Prevention, Prohibition
filed against an order of the CPIO.
and Redressal) Act, 2013 and meets on quarterly
basis. As per RTI Act, any citizen can seek information
under RTI by making an appropriate application
5.6 Staff Welfare Committee
in writing alongwith the prescribed fees
to the Central Public Information Officer,
A Staff Welfare Committee has been constituted
Pension Fund Regulatory and Development
in PFRDA to identify and organize various staff
Authority, First Floor, Chhatrapati Shivaji
welfare activities. The Committee will help
Bhawan, B-14/A, Qutab Institutional Area, New
evolve measures for securing and preserving
Delhi 110016 and/or can also file an RTI under
good relations amongst the employees and
RTI Act, 2005 on Online Portal available
also between employees and the management.
at www.pfrda.org.in.
A General Manager grade officer has been
nominated as Chairperson of the Staff Welfare
During the year 2018-19, 686 RTI Applications
Committee.
and 59 First Appeals were received till 31st
March, 2019 inter-alia regarding contribution
5.7 Training of employees in PFRDA
under National Pension System (NPS), opening
During the financial year 2018-19, officers were of individual pension account, transfer,
nominated by PFRDA for trainings/workshops withdrawal & exit under NPS, APY scheme
on various subject areas like Reservation etc. All the applications and appeals were
Policy (EWS and PwBDs) Implementation, replied/disposed of within the stipulated time
RTI, Conference for Chief Compliance Officers, as prescribed under RTI Act, 2005. Section 4 of
Leveraging Social Media for Business Intelligence the RTI Act casts an obligation on every public
and Managing Non-SLR investments organized authority to make certain suo-moto disclosures
by various institutes. on its website. PFRDA has also made such suo-
moto disclosures on its website. The focus of the
5.8 Promotion of Official Language
disclosure is to improve the level of transparency
PFRDA has set up an Official Language Cell in the working and functioning of PFRDA. In this
to implement the official language policy regard, information regarding various functions,
of Government of India and ensure the powers and duties of PFRDA & its officers etc.
implementation of Rajbhasha Act, 1963 and has been provided on PFRDA’s website. Further,
Rajbhasha Rules, 1976 and to promote use of the PFRDA Act, rules and regulations made
Official Language in day to day functioning of thereunder, circulars and manuals issued by
88Annual Report | 2018-19
PFRDA are also available on the website. services in PFRDA.
6. Cyber / IT Audit: Cyber threats has increased
5.10 Parliamentary Questions
more in recent times and therefore it is not
During 2018-19, PFRDA received around 72 only necessary but mandatory to protect
Parliamentary Questions, referred by the IT systems against any Cyber threats. In
Government of India, mainly from the Ministry this regard, PFRDA has conducted Cyber
of Finance on various aspects related to the Security Audit of its systems to ensure
old age income security comprising queries on maximum protection against Cyber threats.
NPS and APY. PFRDA has furnished information 7. Pension Sanchay Website: Pension Sanchay
and material for reply/ replies in a time bound website is used to spread awareness and
manner for facilitating replies to the same to the educate subscribers and general public
Parliament. about Pension, retirement saving plan, old
age income security and NPS benefits to
5.11 Information Technology activities
public large.
PFRDA’s website serves the subscribers and 8. Monitoring and securing of PFRDA working
potential subscribers with information and environment has been done with the CCTV
guidance material including information on the surveillance in the Authority.
protection of subscribers rights and interests,
5.12 Others
regulations, circulars, pension scheme products,
pension funds, intermediaries, exit and benefits. No case of theft or misappropriation of resources
of the Authority by any person or abuse of powers
1. PFRDA’s website is built as per the
of the Authority by its Chairperson, members
Guidelines for Indian Government
or by any of its officers, employees or agent or
Websites. The website is bilingual. The
violation of any decision of the Authority by any
website has been migrated to the NIC cloud
of its officers, employees or agents or promotion
along with Security Audit and SSL (Secure
and development of the pension industry
Socket Layer) implementation.
orInvestigation ordered by the Authority under
2. The NPS Trust website facilitates better section 16 have been reported.
dissemination of information regarding
5.13 Accounts of PFRDA
NPS that are useful for the subscribers
at one place, NAV details, returns of the During the financial year 2018-19 PFRDA received
schemes, Portfolio details of the schemes a grant of Rs 12.60 crores from Government of
are disclosed for subscriber’s information/ India for its establishment expenses.
comparison, to ensure transparency.
The Atal Pension Yojna (APY) was announced in
3. Karvy CRA (https://nps.karvy.com/)
the budget speech for the FY 2015-16. This pension
portal, NSDL CRA (https://npscra.nsdl.
scheme is meant for all citizens in the age group of
co.in/) portal and Mobile Apps of both
18-40 years, with a focus on persons belonging to
CRAs provide information to all the
unorganized sector. All subscribers under NPS-
stakeholders. This information inter-alia
lite/Swavalamban between the age of 18-40 years
include knowledge center with Standard
are eligible to shift to Atal Pension Yojana. During
Operating Procedures (SOPs), Forms and
the financial year 2018-19, PFRDA has received
Demos and also provides facility of login
a grant of Rs. 155.00 crores under APY towards
for Retirement Adviser, Nodal Officers and
Government co-contribution, incentive to service
Subscribers.
providers and other promotional activities.
4. E-Office: E-Office has been implemented
in PFRDA to make fast file movement and An amount of Rs. 10.39 crore was received as
process efficiently. Grant from Govt of India for Swavalamban
Scheme towards Government Co-contribution
5. Leased Line connectivity: PFRDA is using
and Promotion.
34 Mbps leased line each to provide Internet
89Part V
The accounts of the Authority for the financial In accordance with the provisions of the
year 2018-19 have been finalized as per the PFRDA Act 2013 the accounts of PFRDA for the
Pension Fund Regulatory and Development financial year 2018-19 has been forwarded to
Authority (Form of Annual Statement of Accounts the Comptroller and Auditor General of India
and Records) Rules, 2015. The accounts were (C&AG) for audit and certification. After audit
approved by the PFRDA Board in its 82nd Board by C&AG, certified accounts of the Authority
meeting held on 01.10.2019. The Balance Sheet together with the audit report thereon shall be
and Income & Expenditure Accounts of PFRDA submitted to Central Government and thereafter
along with Schedules forming part of the financial Central Government shall cause the same to be
statements, as approved by PFRDA Board, are laid before each House of Parliament.
placed at Annexure V.
90Annual Report | 2018-19
Part VI
Any critical area adversely affecting the interest of subscribers
6.1 Age limit of 40 years for joining APY 6.2 Statutory obligations that the Authority
has not complied
NPS Swavalamban which was started for
unprivileged unorganised sector workers has 6.2.1 Minimum Assured Returns Scheme
been discontinued from w.e.f April 2015. In place (MARS)
of Swavalamban scheme, APY has been has been
Under Section 20(2) (d)(b), sub section seeking
launched which provides guaranteed benefits
in the subscriber, seeking minimum assured
to the underlying subscribers. Subscribers of
returns, shall have an option to invest his funds
Swavalamban scheme have been given option to
in such schemes providing minimum assured
migrate to APY. However, APY scheme allows
returns as may be notified by the Authority.
entry of subscribers till the age of 40 (from 18
However, Sec 20(2) (d) (e) states there shall be
completed to 40 running). This leads to barrier for
portability of individual pension accounts in
the entry of the age group of 41 year – 60 years,
case of change of employment. Construing the
which is also the period for surplus income in
two sub sections harmoniously, it is evident that
an individual’s life cycle. Therefore, to make
a scheme providing minimum assured return
the scheme available to more people, the age of
has to be made available. However, the same
eligibility may be extended from present 40 years.
has to be based on a market based guaranteed
It is being pursued with the Authority. The same is system, PFRDA in consultation with DFS, Finance
still under examination and has not been notified Ministry is exploring the possibility of floating at
yet. least a Capital Protection Scheme, which would be
market based and does not cast an onerous Capital
solvency responsibility on the Govt. hitherto non
capital intensive structure of pension Funds.
Efforts are being made to arrive at a feasible
MARS scheme in consultation with the Pension
Funds and other stake holders. The same is still
under examination and has not been notified yet.
91Part VII
Part VII
Any other measure taken by the Authority to protect the interest
of subscribers to the National Pension System and other pension
schemes under the Act.
7.1 In addition to the steps mentioned in implemented to facilitate Subscribers/
previous paras, some other initiatives taken Nodal Offices to initiate exit requests under
by the Authority to protect the interest of the NPS by accessing CRA system. Various
subscribers are as below. enhancements related to withdrawal
module has been carried out in CRA
The following steps have been taken in recent past
system. To facilitate Subscribers/Nodal
for the convenience of the subscriber:
Offices to initiate Exit requests under NPS
by accessing CRA system. Now, a text box
• NPS Regular Subscribers have option in their
explaining details of percentage allocation
CRA login to view/download Statement of
of withdrawal corpus between lump sum
Voluntary additional Contribution under
withdrawal and annuity is displayed to the
NPS. The same can be used as investment
User while initiating withdrawal request.
proof under the applicable section(s) of the
The same will help the User to know corpus
Income-Tax Act, 1961.
allocation and to decide annuity percentage
• The investment guidelines have been
to be opted for desired annuity scheme.
revised to have more choice to subscriber
• Online registration of RAs has also been
for Pension Funds and Investment Schemes.
enhanced.
Amendments to Investment guidelines
for NPS schemes (other than Govt. Sector • SMS based alerts for account transactions;
(CG & SG), Corporate CG, NPS Lite and reminder for contribution payment etc. is
APY) dated 22.05.2018. The cap on equity done periodically.
investments has been increased to maximum • As per PFRDA (Exit and Withdrawal)
of 75% from the current permissible limit Regulations, 2015, a partial withdrawal
of 50% in active choice for private sector of accumulated pension wealth under
subscribers under NPS, with tapering off NPS, at any time before exit from NPS is
the equity allocation after attaining the permitted subject to terms and conditions,
age of 50 years by subscriber. This step is purpose, frequency and limits specified
towards the interest of subscribers in the in the regulations. Now, as per Third &
non-government sector. Forth Amendment to PFRDA (Exit and
• Under NPS, Subscribers/Nodal Offices Withdrawal) Regulations, 2015, partial
have an option to raise grievances in Central withdrawal will also be allowed for
Grievance Management System (CGMS) of following purposes. These new options have
CRA. On registration of grievances, a unique been implemented in online withdrawal
Token Number is generated in CGMS. module of CRA system.
Now, functionality has been released in 1. To meet medical & incidental expenses
the CRA system wherein complete history due to disability/incapacitation
of respective grievance token number is 2. For skill development/re-skilling or
displayed to the User such as grievance any other self-development activities
raised, resolution, escalations (if any) etc. 3. For establishment of own venture or
• Select banks are offering the APY through any start-up
their internet banking channel.
• Online withdrawal module has been
92Annual Report | 2018-19
• Based on PFRDA advise and Supreme • Photo & Signature update by Subscriber
Court ruling dated September 26, 2018 (on • Nominee Details update by Subscriber
suspension of Aadhaar for e-KYC services),
• Self Authorization Withdrawal by
various Aadhaar based services under NPS
Subscriber
as mentioned below have been disabled in
• Revised FAQs were issued:
the CRA system from December 1, 2018.
These services have been disabled in NPS
o Central Government Sector (CG) and
Mobile App as well to protect the interest of
Central Autonomous Bodies (CABs)
the subscribers’.
o State Government Sector (SG) and
• Aadhaar based Subscriber Registration State Autonomous Bodies (SABs)
& eSign facilities under eNPS for NPS o Exit from National Pension System
Regular and APY by citizens, including corporate sector
• Aadhaar based registration of Retirement subscribers
Advisers o Exit from National Pension System
by NPS-Lite and Swavalamban
• Aadhaar seeding
subscribers
• Aadhaar based Address update
93Annexure I
Annexure I
Table no. I: No. of subscribers registered (PRANs Generated) in
APY by various distribution channels
Category of Banks As on date As on date As on date As on date
(*March 31, 2016) (March 31, 2017) (March 31, 2018) (March 31, 2019)
Public Sector Banks 1,693,190 3,047,273 6,553,397 10,719,758
Private Banks 218,086 497,323 873,901 1,145,289
Small Finance Bank - - - 9,190
Payment Bank - - - 48,182
Regional Rural Banks 476,373 1,115,257 1,987,176 3,171,152
District Co-op Banks 21,222 29,791 33,880 38,863
State Co-op Banks 354 680 805 1,053
Urban Co-op Banks 327 3,507 10,936 14,469
DOP 75,343 189,998 245,366 270,329
Total 2,484,895 4,883,829 9,705,461 15,418,285
Source: CRA-NSDL Kashi Gomti Samyut Gramin Bank, Uttarbanga
Kshetriya Gramin Bank, Madhya Bihar Gramin
As on 31st March 2019, 1.54 Cr. subscribers have
Bank, Gramin Bank Of Aryavart, Baroda
been registered under APY.
Rajasthan Kshetriya Gramin Bank, Punjab
Gramin Bank, Purvanchal Bank, Uttrakhand
06 PSBs (Indian Bank, Andhra Bank, Canara Bank,
Gramin Bank, Allahabad Up Gramin Bank,
Bank of Baroda, Central Bank of India and Vijaya
Pallavan Gramin Bank, Kerala Gramin Bank,
Bank) achieved the APY target for FY 2018-19 .
Madhyanchal Gramin Bank, Chaitnya Godavri
27 RRBs (Baroda Uttar Pradesh Gramin Bank, Gramin Bank, Andhra Pragati Grameena Bank,
Kaveri Grameena Bank, Tripura Gramin Bank, Sarva Up Gramin Bank, Puduvai Bharathiar
Bihar Gramin Bank, Andhra Pradesh Grameena Grama Bank have achieved the APY target for
Vikas Bank, Maharashtra Grameena Bank, FY 2018-19 .
Vidharba Konkan Gramin Bank, Karnataka Vikas
In case of Pvt. Banks- Karnataka Bank Limited has
Gramin Bank, Pragati Krishna Gramin Bank,
achieved the APY target for FY 2018-19.
Baroda Gujarat Gramin Bank, Prathama Bank,
94Annual Report | 2018-19
Table no. II : Performance of Major Banks
S.No. Name of the APY No of Accounts No of Active Average APY Yearly Target
Service Provider opened from Branch till Acct/Branch Allotted To
01.04.2018 till 31.03.2019 (2018-19) as on Banks (60
31.03.2019 31.03.2019 Accounts Per
Branch)
1 Indian Bank 234160 2710 86 60
2 Andhra Bank 218252 2887 76 60
3 Canara Bank 431633 6094 71 60
4 Bank of Baroda 365885 5445 67 60
5 Central Bank of India 296219 4672 63 60
6 Vijaya Bank 115792 1898 61 60
7 United Bank of India 114689 2019 57 60
8 Bank of India 278760 5080 55 60
9 Allahabad Bank 171433 3241 53 60
10 Oriental Bank of 104064 2387 44 60
Commerce
11 Dena Bank 74682 1765 42 60
12 State Bank of India 915550 21638 42 60
13 Union Bank of India 172765 4138 42 60
14 IDBI Bank Ltd 72498 1856 39 60
15 Syndicate Bank 129927 4039 32 60
16 Indian Overseas Bank 101775 3380 30 60
17 Punjab And Sind Bank 39964 1530 26 60
18 Uco Bank 78677 3107 25 60
19 HDFC Bank Ltd 106569 4884 22 60
20 Bank of Maharashtra 39173 1844 21 60
21 Axis Bank 71576 3672 19 60
22 Punjab National Bank 102154 6478 16 60
23 Corporation Bank 37111 2443 15 60
24 ICICI Bank Limited 46661 4191 11 60
25 The Jammu and 1296 915 1 60
Kashmir Bank Ltd.
TOTAL 4321265 102313
95Annexure I
Table no. III : :-Performance of RRBs
REGIONAL RURAL BANKS
S. Name of the APY Service No of Accounts No of Active Average APY Yearly Target
No. Provider opened from Branch till Acct/ Branch Allotted To
01.04.2018 till 31.03.2019 (2018-19) as on Banks (50
31.03.2019 31.03.2019 Accounts Per
Branch)
1 Baroda Uttar Pradesh 110431 924 120 50
Gramin Bank
2 Kaveri Grameena Bank 53705 499 108 50
3 Tripura Gramin Bank 15820 148 107 50
4 Bihar Gramin Bank 39873 376 106 50
5 Andhra Pradesh Grameena 79173 774 102 50
Vikas Bank
6 Maharashtra Gramin Bank 35501 410 87 50
7 Vidharbha Konkan Gramin 27583 325 85 50
Bank
8 Karnataka Vikas Grameena 51723 639 81 50
Bank
9 Pragathi Krishna Gramin 50989 657 78 50
Bank
10 Baroda Gujarat Gramin 18434 246 75 50
Bank
11 Prathama Bank 30320 413 73 50
12 Kashi Gomti Samyut 32948 459 72 50
Gramin Bank
13 Uttarbanga Kshetriya 9896 142 70 50
Gramin Bank
14 Madhya Bihar Gramin Bank 45741 702 65 50
15 Gramin Bank of Aryavart 42822 702 61 50
16 Baroda Rajasthan Kshetriya 50255 840 60 50
Gramin Bank
17 Punjab Gramin Bank 16829 285 59 50
18 Purvanchal Bank 33969 598 57 50
19 Uttarakhand Gramin Bank 15809 286 55 50
20 Allahabad Up Gramin Bank 35863 654 55 50
21 Pallavan Grama Bank 15388 289 53 50
22 Kerala Gramin Bank 33224 633 52 50
23 Madhyanchal Gramin Bank 23768 454 52 50
24 Chaitanya Godavari 10870 210 52 50
Grameena Bank
25 Andhra Pragathi Grameena 28510 551 52 50
Bank
26 Sarva Up Gramin Bank 26829 522 51 50
27 Puduvai Bharthiar Grama 2131 43 50 50
Bank
96Annual Report | 2018-19
S. Name of the APY Service No of Accounts No of Active Average APY Yearly Target
No. Provider opened from Branch till Acct/ Branch Allotted To
01.04.2018 till 31.03.2019 (2018-19) as on Banks (50
31.03.2019 31.03.2019 Accounts Per
Branch)
28 Utkal Grameen Bank 21716 441 49 50
29 Sutlej Gramin Bank 2060 42 49 50
30 Central Madhya Pradesh 20272 456 44 50
Gramin Bank
31 Langpi Dehangi Rural Bank 2351 59 40 50
32 Uttar Bihar Gramin Bank 34722 1033 34 50
33 Himachal Pradesh Gramin 8540 265 32 50
Bank
34 Telangana Grameena Bank 13291 414 32 50
35 Vananchal Gramin Bank 6440 203 32 50
36 Rajasthan Marudhara 22025 701 31 50
Gramin Bank
37 Dena Gujarat Gramin Bank 7623 243 31 50
38 Saptagiri Grameena Bank 6415 213 30 50
39 Odisha Gramya Bank 15308 549 28 50
40 Narmada Jhabua Gramin 10727 408 26 50
Bank
41 Jharkhand Gramin Bank 6257 239 26 50
42 Pandyan Grama Bank 7981 335 24 50
43 J&K Grameen Bank 4753 217 22 50
44 Paschim Banga Gramin 3648 230 16 50
Bank
45 Saurashtra Gramin Bank 3772 260 15 50
46 Assam Gramin Vikash Bank 5208 413 13 50
47 Malwa Gramin Bank 1116 89 13 50
48 Bangiya Gramin Vikash 6897 587 12 50
Bank
49 Chattisgarh Rajya Gramin 6108 610 10 50
Bank
50 Mizoram Rural Bank 821 85 10 50
51 Manipur Rural Bank 226 25 9 50
52 Sarva Haryana Gramin 4776 654 7 50
Bank
53 Meghalaya Rural Bank 350 93 4 50
54 Arunachal Pradesh Rural 55 29 2 50
Bank
55 Nagaland Rural Bank 2 11 0 50
56 Ellaquai Dehati Bank Head 23 139 0 50
Office
TOTAL 1161887 21824
97Annexure I
Table IV :-Performance of Pvt Banks
S. No. Name of the APY Service No of No of Active Average APY Yearly Target
Provider Accounts Branch till Acct/ Branch Allotted To
opened from 31.03.2019 (2018-19) as on Banks (25
01.04.2018 till 31.03.2019 Accounts Per
31.03.2019 Branch)
1 Karnataka Bank Limited 20496 835 25 25
2 City Union Bank Ltd 3738 648 6 25
3 IDFC Bank Limited 1101 203 5 25
4 Tamilnad Mercantile Bank Pvt 2177 509 4 25
Ltd
5 The South Indian Bank Ltd 3320 915 4 25
6 The Karur Vysya Bank Ltd 2791 792 4 25
7 Dhanlaxmi Bank Limited 701 266 3 25
8 Kotak Mahindra Bank 2975 1487 2 25
9 The Federal Bank Ltd 2306 1250 2 25
10 RBL Bank Limited 368 244 2 25
11 The Nainital Bank Ltd 107 135 1 25
12 Bandhan Bank Limited 654 938 1 25
13 Yes Bank Limited 320 844 0 25
14 The Catholic Syrian Bank 132 426 0 25
Limited
15 The Lakshmi Vilas Bank Ltd 118 542 0 25
16 DCB Bank Limited 11 198 0 25
17 Indusind Bank Limited 29 745 0 25
18 Citi Bank 0 0 0 25
19 Standard Chartered Bank 0 100 0 25
TOTAL 41344 11077
Table V:-Small Finance Banks
Name of APY- Service providers No. of No of Accounts opened Average Target per
Branches from 01.04.2018 till Account Per branch for FY
31.03.2019 Branch 2018-19
ESAF Small Finance Bank Limited 356 9190 26 50
Table VI:-Payments Bank
Name of APY- Service providers No. of No of Accounts opened Average Target per
Branches from 01.04.2018 till Account Per branch for FY
31.03.2019 Branch 2018-19
Paytm Payments Bank Limited 1 48182 48182 10000
98Annual Report | 2018-19
Table VII :-Performance of DoP – State Circle Wise
Sr. Name of the Circle PRAN count PRAN count PRAN count APY Accounts
No. in 2015-2016* in 2016-2017* in 2017-2018* sourced in the
FY 2018-2019#
1 Punjab (includes Chandigarh) 2,802 14,521 8,997 3,090
2 Rajasthan 30,889 24,711 9,762 1,766
3 Maharashtra(includes Goa) 22,386 16,130 4,405 4,008
4 Tamilnadu (includes Puducherry) 2,763 23,867 5,670 2,913
5 Karnataka 5,842 8,104 8,774 3,460
6 Haryana 792 757 129 48
7 Telangana 1,331 2,301 1,416 291
8 AndhraPradesh 1,683 1,979 760 542
9 Uttarakhand (as Uttaranchal) 1,580 8,381 3,363 672
10 Assam 200 703 443 77
11 Gujarat 2,189 4,130 3,305 1,044
12 West Bengal (includes Sikkim) 165 2,888 1,127 733
13 Jammu & Kashmir 111 42 7 31
14 Delhi 22 1,096 725 1,527
15 Jharkhand 182 134 1,401 184
16 Odisha 216 445 467 393
17 Madhya Pradesh 177 468 240 245
18 Bihar 98 595 1,523 392
19 UttarPradesh 1,390 824 463 165
20 North East (includes Arunachal 116 56 31 8
Pradesh, Manipur, Meghalaya,
Mizoram, Nagaland & Tripura)
21 Chhattisgarh 39 866 396 168
22 Himachal Pradesh 315 764 789 349
23 Kerala 54 893 1,175 2,857
Total 75,342 1,14,655 55,368 24,963
*Includes Active and Deactive PRANs
#Active PRANs Only
99Annexure II
Annexure II
Table no. I: List of Point of Presence registered with
NSDL-CRA under NPS as on 31st March, 2019
Sr. Name of POP No. of POP-SP
No. registered
1 Abhipra Capital Limited 69
2 Alankit Assignments Limited 288
3 Allahabad Bank 2,046
4 Andhra Bank 1,766
5 Angel Broking Private Limited 1
6 Arihant Capital Markets Limited 1
7 Asit C Mehta Investment Interrmediates Limited 1
8 Axis Bank Limited 3,536
9 Bajaj Capital Limited 83
10 Bank of Baroda 5
11 Bank of India 5
12 Bank of Maharashtra 1,851
13 Canara Bank 3,569
14 Central Bank of India 4,647
15 Computer Age Management Services Private Limited 227
16 Corporation Bank 2,292
17 CSC e-Governance Services India Limited 1
18 Dayco Securities Private Limited 29
19 DBFS Securities Limited 1
20 Dena Bank 1,449
21 Elite Wealth Advisors Limited 1
22 ESAF Small Finance Bank Limited 144
23 Eureka Stock And Share Broking Services Limited 11
24 Finwizard Technology Private Limited 1
25 Gujarat Infotech Limited 4
26 HDFC Bank Limited 3
27 HDFC Pension Management Company Limited 1
28 HDFC Securities Limited 2
29 ICICI Bank Limited 1,564
30 ICICI Prudential Pension Funds Management Company Limited -
31 ICICI Securities Limited 34
32 IDBI Bank Limited 1,891
33 IL&FS Securities Services Limited 37
34 India Infoline Finance Ltd 1
35 India Post NPS Nodal Office 808
36 Indian Bank 1,834
37 Indian Overseas Bank 3,282
100Annual Report | 2018-19
Sr. Name of POP No. of POP-SP
No. registered
38 IndusInd Bank Limited 805
39 Integrated Enterprises (India) Private Limited 121
40 Karnataka Bank Limited 801
41 Karvy Stock Broking Limited 8
42 Kotak Mahindra Bank Limited 844
43 LICHFL Financial Services Limited 1
44 Marwadi Shares and Finance Limited 80
45 Monarch Networth Capital Limited 1
46 Muthoot Finance Limited 33
47 Narnolia Securities Limited 1
48 NJ India Invest Private Limited 1
49 Oriental Bank of Commerce 985
50 PAYTM Payments Bank Limited 1
51 Prudent Corporate Advisory Services Limited 1
52 Punjab and Sind Bank 914
53 Punjab National Bank 6,987
54 RBL Bank Limited 201
55 Reliance Capital Limited 140
56 Religare Broking Limited 13
57 SBICap Securities Limited 1
58 SMC Global Securities Limited 27
59 State Bank of India 22,640
60 Steel City securities Limited 48
61 Stock Holding Corporation Of India Limited 232
62 Syndicate Bank 3,501
63 Tamilnad Mercantile Bank Ltd 510
64 The Federal Bank Ltd 1,073
65 The Karur Vysya Bank 710
66 The Lakshmi Vilas Bank Limited 542
67 The South Indian Bank Limited 918
68 Uco Bank 1,851
69 Union Bank Of India 3,872
70 United Bank of India 1,117
71 UTI Asset Management Company Limited 152
72 Ventura Securities Limited 1
73 Vijaya Bank 1,247
74 Way2Wealth Brokers Private Limited 3
75 Yes Bank Limited 86
76 Zen Securities Limited 27
Total 81,981
101Annexure II
Table no. II: List of Point of Presence registered with
Karvy-CRA under NPS as on 31st March, 2019
Sr. Name of POP No. of POP-SP
No. registered
1 Abhipra Capital Limited 69
2 Alankit Assignments Limited 288
3 Allahabad Bank 2,046
4 Andhra Bank 1,766
5 Angel Broking Private Limited 1
6 Arihant Capital Markets Limited 1
7 Asit C Mehta Investment Interrmediates Limited 1
8 Axis Bank Limited 3,536
9 Bajaj Capital Limited 83
10 Bank of Baroda 5
11 Bank of India 5
12 Bank of Maharashtra 1,851
13 Canara Bank 3,569
14 Central Bank of India 4,647
15 Computer Age Management Services Private Limited 227
16 Corporation Bank 2,292
17 CSC e-Governance Services India Limited 1
18 Dayco Securities Private Limited 29
19 DBFS Securities Limited 1
20 Dena Bank 1,449
21 Elite Wealth Advisors Limited 1
22 ESAF Small Finance Bank Limited 144
23 Eureka Stock And Share Broking Services Limited 11
24 Finwizard Technology Private Limited 1
25 Gujarat Infotech Limited 4
26 HDFC Bank Limited 3
27 HDFC Pension Management Company Limited 1
28 HDFC Securities Limited 2
29 ICICI Bank Limited 1,564
30 ICICI Prudential Pension Funds Management Company Limited -
31 ICICI Securities Limited 34
32 IDBI Bank Limited 1,891
33 IL&FS Securities Services Limited 37
34 India Infoline Finance Ltd 1
35 India Post NPS Nodal Office 808
36 Indian Bank 1,834
37 Indian Overseas Bank 3,282
38 IndusInd Bank Limited 805
102Annual Report | 2018-19
Sr. Name of POP No. of POP-SP
No. registered
39 Integrated Enterprises (India) Private Limited 121
40 Karnataka Bank Limited 801
41 Karvy Stock Broking Limited 8
42 Kotak Mahindra Bank Limited 844
43 LICHFL Financial Services Limited 1
44 Marwadi Shares and Finance Limited 80
45 Monarch Networth Capital Limited 1
46 Muthoot Finance Limited 33
47 Narnolia Securities Limited 1
48 NJ India Invest Private Limited 1
49 Oriental Bank of Commerce 985
50 PAYTM Payments Bank Limited 1
51 Prudent Corporate Advisory Services Limited 1
52 Punjab and Sind Bank 914
53 Punjab National Bank 6,987
54 RBL Bank Limited 201
55 Reliance Capital Limited 140
56 Religare Broking Limited 13
57 SBICap Securities Limited 1
58 SMC Global Securities Limited 27
59 State Bank of India 22,640
60 Steel City securities Limited 48
61 Stock Holding Corporation Of India Limited 232
62 Syndicate Bank 3,501
63 Tamilnad Mercantile Bank Ltd 510
64 The Federal Bank Ltd 1,073
65 The Karur Vysya Bank 710
66 The Lakshmi Vilas Bank Limited 542
67 The South Indian Bank Limited 918
68 Uco Bank 1,851
69 Union Bank Of India 3,872
70 United Bank of India 1,117
71 UTI Asset Management Company Limited 152
72 Ventura Securities Limited 1
73 Vijaya Bank 1,247
74 Way2Wealth Brokers Private Limited 3
75 Yes Bank Limited 86
76 Zen Securities Limited 27
Total 81,981
103Annexure III
Annexure III
Table no. I: List of POPs (Aggregator) under NPS as on 31st March, 2019
Sr. Name of POP No of Branches
No. Registered
(NLCC)
1 A.P. Building And Other Construction Workers Welfare Board 27
2 Abhipra Capital Ltd. 36
3 Adhikar Microfinance Private Limited 1
4 Alankit Assignments Ltd. 56
5 Allahabad Bank 301
6 Allahabad Up Gramin Bank 116
7 Andhra Bank 151
8 Assam Gramin Vikash Bank 375
9 Bandhan Bank Ltd 10
10 Banaskantha Dist. Co-Op Milk Producers Union Limited 1,954
11 Bandhan Konnagar 1
12 Bank Of Baroda 2
13 Bank Of Maharashtra 729
14 Baroda Gujarat Gramin Bank 25
15 Baroda Rajasthan Kshetriya Gramin Bank 72
16 Building & Other Construction Workers Welfare Board Rajasthan 33
17 Bwda Finance Ltd (Bfl) 39
18 Canara Bank 3,081
19 Cashpor Micro Credit Head Office 343
20 Centre For Development Orientation And Training (Cdot) 52
21 Credit Access Grameen Limited 94
22 Csc E-Governance Services India Limited 32,211
23 Dena Bank 11
24 Department Of Women & Child Development 212
25 Esaf Small Finance Bank Ltd 246
26 Gujarat Infotech Limited 2
27 Idbi Bank Ltd 50
28 Ifmr Rural Finance Services Pvt. Ltd 4,510
29 Indian Bank- Banking Operations Dept 779
30 Indian Overseas Bank 64
31 Indur Intideepam Macs Federation Ltd 15
32 Jana Small Finance Bank Ltd 237
33 Jharkhand Building & Other Construction Workers Welfare Board Ranchi 36
34 Karnataka State Unorganised Workers Social Security Board Bangalore 1,040
35 Lic Housing Finance Ltd. 79
36 Life Insurance Corporation Of India 65
37 Madhya Bihar Gramin Bank 331
104Annual Report | 2018-19
Sr. Name of POP No of Branches
No. Registered
(NLCC)
38 Oriental Bank Of Commerce 219
39 Punjab National Bank 441
40 Samhita Community Development Services 1
41 Sarva Haryana Gramin Bank 466
42 Shree Kshethra Dharmasthala Rural Development Project 123
43 Shri Mahila Sewa Sahakari Bank Limited 10
44 Society For Elimination Of Rural Poverty 22
45 State Bank Of India 17,950
46 Swavalamban-Nl -
47 Swayamshree Micro Credit Services 45
48 Syndicate Bank 151
49 The South Indian Bank Ltd Marketing Department Nps Cell 631
50 Uco Bank 28
51 United Bank Of India 215
52 Vijaya Bank 560
Total 68,248
105Annexure V
Annexure IV
The reconstituted Pension Advisory Committee is as under:
1. Chief General Manager, Government Business Unit, State Bank of India, New Delhi
2. Managing Director & CEO, NSDL e-Governance Infrastructure Ltd
3. Executive Director (Retail Banking), Axis Bank
4. Deputy Controller General of Accounts (Technical Advice), Department of Expenditure, Ministry
of Finance
5. Chief Executive Officer & Whole Time Director, UTI Retirement Solutions Ltd
6. Chief Executive Officer, HDFC Pension Management Company Ltd
7. Vice President and Head Custodial Services, Stock Holding Corporation of India Ltd.
8. Shri Dinesh Pant, Appointed Actuary Life Insurance Corporation of India
9. Chairman, NPS Trust
10. Director, National Institute of Bank Management, Pune
11. Dr. Renuka Sane, Associate Professor, National Institute of Public Finance and Policy (NIPFP)
12. Shri Kulin Patel, Senior Actuary and Director – Client Account Management, Towers Watson,
Gurgaon
13. President, Institute of Actuaries of India
14. Chief Executive Officer Fixed Income Money Market and Derivatives Association of India
15. Deputy Secretary (Establishment II), Department of Personnel & Training
16. Director (A/Cs), Department of Posts, New Delhi
17. Shri Rajiv Kapoor, Executive Director – Group HRM Minda Industries Ltd. representing CII
18. Chief Executive-Indian Banks’ Association
19. Director, Budget, Department of Finance, Bhopal, Government of Madhya Pradesh
The Chairperson and the Members of the Authority are the ex officio Chairperson and ex officio
members of the Pension Advisory Committee.
106Annual Report | 2018-19
Annexure V
FORM A
[See Rule 3(a)]
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
BALANCE SHEET AS ON 31-03-2019
(Unit-Indian Rupee)
Liabilities Schedule Current year Previous year Assets Schedule Current year Previous year
1. Corpus/Capital 1 55,46,76,869 20,89,66,154 1. Fixed Assets 8
Fund
Gross block 2,34,73,725 2,11,92,797
2. Reserves and 2 - - Less: Depreciation 1,47,66,875 1,29,39,764
Surplus
Net Block 87,06,849 82,53,032
3. Earmarked/ 3 2,04,01,314 1,80,59,540
Endowment funds
2. Investments 9 1,93,23,162 1,70,21,896
from Earmarked/
Endowment Fund
4. Secured loans and 4 - -
borrowings
3. Investment- 10 36,18,40,229 27,00,00,000
Others
5. Unsecured loans 5 - -
and borrowings
4. Current assets, 11 49,90,06,771 75,41,60,564
Loans, Advances
etc.
6. Deferred credit 6 - -
liabilities
5. Miscellaneous - -
expenditure (to the
extent not written
off or adjusted)
7. Current liabilities 7 31,37,98,828 82,24,09,799
and provisions
Total 88,88,77,012 1,04,94,35,493 Total 88,88,77,012 1,04,94,35,493
Significant 24
Accounting Policy
Contigent 25
Liabilities and
Notes on Accounts
Note:- All Schedules to Balance Sheet shall form part of Account.
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
107Annexure V
FORM B
[See Rule 3(b)]
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2018 TO 31-03-2019
(Unit-Indian Rupee)
Expenditure Schedule Current year Previous year Income Schedule Current year Previous year
1. Establishment 20 19,41,52,441 14,24,40,735 1. Income from Sales/ 12 - -
Expenses Services
2. Other Administrative 21 2,24,31,72,940 2,40,97,71,405 2. Grants/ Subsidies 13 1,77,99,37,800 2,25,75,78,000
expenses etc.
3. Expenditure on 22 - - 3. Fee/ Subscription 14 54,19,73,514 36,30,29,595
Grants, Subsidies etc.
4. Interest 23 2,943 1,750 4. Income from 15 - -
Investments (Income
on investment
from earmarked/
endowment funds
transferred to Funds)
5. Depreciation( Net 20,57,488 16,94,998 5.Income from Royalty, 16 - -
Total at the year Publications etc.
end- corresponding to
Schedule 8)
6. Interest Earned 17 4,35,15,368 3,91,20,774
7. Other Income 18 2,26,525 2,45,759
8. Increase/ (decrease) 19 - -
in stock of Finished
goods and Work-in-
progess
TOTAL 2,43,93,85,811 2,55,39,08,888 TOTAL 2,36,56,53,207 2,65,99,74,128
Balance being excess (7,37,32,604) 10,60,65,240
of Income over
Expenditure
Transfer to Special - -
Reserve (specify each)
Transfer to/from - -
General Reserve
BALANCE BEING (7,37,32,604) 10,60,65,240
SURPLUS/(DEFICIT)
CARRIED TO
CORPUS/CAPITAL
FUND
Significant Accounting 24
Policy
Contigent Liabilities 25
and Notes on Accounts
Note:- All Schedules to Income and Expenditure Account shall form part of account.
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
108Annual Report | 2018-19
FORM C
[See Rule 3(c)]
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
RECEIPT AND PAYMENT ACCOUNT FOR THE PERIOD 01-04-2018 to 31-03-2019
(Unit-Indian Rupee)
Sl. Sl.
Receipts Current year Previous year Payments Current year Previous year
No. No.
1. Opening Balances 1. Expenses
(a) Cash in hand 20,000 20,000 (a) Establishment Expenses 18,55,95,984 15,44,36,867
(b) Bank Balances (b) Administrative Expenses 29,73,44,838 27,29,70,411
(i) In Current accounts - - 2. Grants Utilised
(ii) In Time Deposit accounts - - (a) Swavalamban Contribution 18,18,55,819 34,84,88,000
(iii) In Saving Bank deposit accounts 68,03,96,600 76,15,72,278 (b) Swavalamban Promotion 4,84,000 2,46,15,900
2. Grants Received (c) Grant to National Pension system - -
Trust
(i) From Government of India (d) APY Contribution 81,45,81,888 1,18,21,19,845
(a) Grant-in-aid Salaries 12,60,00,000 10,50,00,000 (e) APY Promotion and Development 1,09,49,45,670 44,86,67,343
(b) Grant-in-aid-General - 4,50,00,000 (f) Refund of Grant - -
(c) Grant-in-aid-Swavalamban Contribution 10,09,00,000 42,94,81,675 (g) Others - -
(d) Grant-in-aid-Swavalamban Promotional 30,37,800 8,96,325 3. Investments and deposits made
& Development activities
(e) Grant-in-aid APY Contribution 75,00,00,000 87,72,00,000 (a) Out of Earmarked/ Endowment 22,78,104 3,00,000
funds
(f) Grant-in-aid APY Promotion & 80,00,00,000 80,00,00,000 (b) Out of Own Funds (Investments- 8,83,00,000 27,00,00,000
Development Others)
(g) Others - - 4. Expenditure on Fixed Assets and
Capital Work-in-progress
(ii) From State Government (a) Purchase of Fixed Assets 4,41,518 7,89,671
(a) Grant-in-aid Salaries - - (b) Expenditure on Capital Work-in- - -
progress
(b) Grant-aid-General - - 5. Refund of surplus money/ Loans
(c) Grant-in-aid-Swavalamban Contribution - - (a) Recoverable from National pension - -
system trust
(d)Grant-in-aid-Swavalamban Promotional & - - (b) To the State Government - -
Development activities
(e) Others - - (c) To other providers of funds - -
(iii) From Financial Institutions - - 6. Finance Charges (Interest)
3. Income on Investments (a) Bank charges 2,943 592
(a) Earmarked/Endowment Funds 12,25,042 20,868 (b) Others - -
(b) Own Funds (other investment) - - 7. Other Payments (Specify)
4. Interest Received (a) Prepaid 11,61,179 18,11,050
(a) On Bank deposits 4,36,17,399 2,61,60,198 (b) Loan/ Advance to employees 2,50,000 2,44,000
(b) Loans, Advances etc. - - (c) Advance against Expenses 4,86,04,303 5,33,48,792
(c) Others (Interest on Loan) - - (d) Security Deposits 4,78,000
5. Other Income (Specify) 8. Closing Balances
(a) Annual Fees 44,27,52,732 36,13,45,095 (a) Cash in hand 20,000 20,000
(b) Fees from Miscellaneous Services 17,24,501 16,84,500 (b) Bank Balances
(c) Miscellaneous Income 24,634 5,761 (i) In Current accounts
6 Amount Borrowed - - (ii) In Time Deposit accounts
7 Any Other receipts (iii) in Saving Bank deposit accounts 26,81,40,459 68,03,96,600
(a) Security/EMD receipts - -
(b) Recovery of Advance 3,31,35,430 2,99,62,218
(C) Transfer of Assets 1,42,145 50,283
(d) Subscribers Education and Protection Fund 10,30,423 2,87,870
TOTAL 2,98,40,06,705 3,43,86,87,071 TOTAL 2,98,40,06,705 3,43,86,87,071
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
109Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE 1
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
CORPUS/ CAPITAL FUND
(Unit-Indian Rupee)
Particulars Current year Previous year
Balance as at the beginning of the year 20,89,66,154 17,56,81,330
Add : Opening Balance of unutilized corpus fund 66,17,79,686 58,89,99,270
Less: Closing Balance of unutilized corpus fund 24,23,36,366 66,17,79,686
“Add/Deduct: Balance of net income/expenditure transferred (7,37,32,604) 10,60,65,240
from the Income and Expenditure”
“Add : Government Grant to be received from government/ - -
transferred from the Income and Expenditure Account “
BALANCE AS AT THE PERIOD END 55,46,76,869 20,89,66,154
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE 2
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
RESERVES AND SURPLUS
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Capital Reserve
a) At the beginning of the year - -
b) Addition during the year - -
c) Less: Deductions during the year - -
2. Revaluation Reserve
a) At the beginning of the year - -
b) Addition during the year - -
c) Less: Deductions during the year - -
3. Special Reserve
a) At the beginning of the year - -
b) Addition during the year - -
c) Less: Deductions during the year - -
4. General Reserve
a) At the beginning of the year - -
b) Addition during the year - -
c) Less: Deductions during the year - -
Total - -
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
110Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-3
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
EARMARKED/ ENDOWMENT FUNDS
(Unit-Indian Rupee)
Particulars Subscriber’s Education and
Protection Fund
Current Year Previous Year
1. Opening balance of the funds 1,80,59,540 1,64,05,649
2. Additions to the funds
a) Donations / grants - -
b) Income on Investments made on account of funds 13,11,351 13,66,021
c) Transfer from NPS Trust Penalty A/c and NPS Trust - -
Investor Awareness Fund A/c”
d) Receipts during the year 10,30,423 2,87,870
e) Other Additions (Specify nature)
TOTAL (1+2) 2,04,01,314 1,80,59,540
3. Utilisation/Expenditure towards objectives of funds
a) Capital Expenditure
i) Fixed assets - -
ii) Others - -
Total - -
b) Revenue Expenditure
i) Salaries, wages and allowances, etc. - -
ii) Rent - -
iii) Other Administrative expenses - -
c) Others - -
Total - -
TOTAL (3) - -
NET BALANCE AT THE PERIOD END (1+2-3) 2,04,01,314 1,80,59,540
Notes
1) Disclosures shall be made under relevant heads based on conditions attaching to the grants.
2) Plan Funds received from the Central/ State Governments are to be shown as separate Funds and
not to be mixed up with any other Funds.
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
111Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-4
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
SECURED LOANS AND BORROWINGS
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Central Government - -
2. State Government - -
3. Financial Instituitions
a) Term Loans - -
b) Interest accrued and due - -
4. Banks
a) Term Loans - -
- Interest accrued and due
b) Other Loans (specify) - -
- Interest accrued and due
5. Other Instituitions - -
6. Debentures and Bonds - -
7. Others - -
TOTAL - -
Note:- Amount due within one year
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
112Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-5
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
UNSECURED LOANS AND BORROWINGS
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Central Government - -
2. State Government - -
3. Financial Instituitions - -
4. Banks
a) Term Loans - -
b) Other Loans (specify) - -
5. Other Instituitions - -
6. Debentures and Bonds - -
7. Fixed Deposits - -
8. Others (specify) - -
TOTAL - -
Note:- Amount due within one year
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-6
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
DEFERRED CREDIT LIABILITIES
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Acceptances secured by hypothecation of Capital Equipment - -
and Other Assets
2. Others - -
Note:- Amount due within one year
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
113Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-7
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
CURRENT LIABILITIES AND PROVISIONS
(Unit-Indian Rupee)
Particulars Current year Previous year
Current Liabilities
1. Acceptances - -
2. Sundry Creditors & Payables 94,61,969 12,15,94,688
3. Advances Received - -
4. Interest Accrued but not due on:
a) Secured Loans / Borrowings - -
b) Unsecured Loans/ Borrowings - -
5. Statutory Liabilities:
a) Overdue - -
b) Others - -
6. Other Current Liabilities
a) Unutilised grant payable to GOI 24,23,36,366 66,17,79,686
b) Others: IRDA A/C - 31,988
c) Others: Security Deposites 66,46,000 66,71,540
TOTAL 25,84,44,335 79,00,77,902
Provisions
1. For Taxation 3,34,545 27,30,079
2. Gratuity 2,07,11,598 1,83,81,621
3. Trade Warranties/ Claims - -
4. Accumulated Leave encashment 3,37,95,764 1,06,48,445
5. Pension Contribution Payable 2,79,151 3,23,808
6. Leave salary payable 2,33,435 2,46,392
7. NPS Employees Contribution - 1,552
TOTAL 5,53,54,493 3,23,31,897
GRAND TOTAL 31,37,98,828 82,24,09,799
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
114Annual Report | 2018-19
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497,52,1
809,15,1
-
-
809,15,1
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838,11
301,7
478,09,1
-
122,41
356,67,1
779,79,1
-
684,9
194,88,1
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yrarbaiL
.9
-
-
-
-
-
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-
-
-
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.01
230,35,28
948,60,78
578,66,74,1
773,03,2
884,75,02
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443,14,44
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rebmeMAnnexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-9
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
INVESTMENTS FROM EARMARKED/ ENDOWMENT FUNDS
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Government securities - -
2. Other approved securities - -
3. Shares - -
4. Debentures and Bonds - -
5. Subsidiaries and Joint ventures - -
6. Fixed Deposits 1,93,23,162 1,70,21,896
7. Others (to be specified) - -
TOTAL 1,93,23,162 1,70,21,896
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-10
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
INVESTMENT- OTHERS
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Government securities - -
2. Other approved securities - -
3. Shares - -
4. Debentures and Bonds - -
5. Subsidiaries and Joint ventures - -
6. Fixed Deposits 36,18,40,229 27,00,00,000
7. Others (to be specified) - -
TOTAL 36,18,40,229 27,00,00,000
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
116Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-11
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
CURRENT ASSETS, LOANS AND ADVANCES
(Unit-Indian Rupee)
Particulars Current year Previous year
(A) Current Assets
1. Inventories :
a) Stores and Spares - -
b) Loose Tools - -
c) Stock-in-trade
Finished goods - -
Work-in-progress - -
Raw Materials - -
2. Sundry Debtors :
a) Debt outstanding for a period exceeding six months - -
b) Others: Recoverable from IFCO TOKYO - 30,585
3. Cash in hand 20,000 20,000
4. Bank Balances :
a) with Scheduled Banks:
i) On Current Accounts - -
ii) On Time Deposit Accounts - -
iii) On Savings Bank Deposit A/c 26,81,40,459 68,03,96,600
b) with Non- Scheduled Banks:
i) On Current Accounts - -
ii) On Time Deposit Accounts - -
iii) On Savings Bank Deposit A/c - -
5. Post Office- Savings Accounts - -
6. Others - -
TOTAL (A) 26,81,60,459 68,04,47,185
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
117Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-11
ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2019
CURRENT ASSETS, LOANS AND ADVANCES
(Unit-Indian Rupee)
Particulars Current year Previous year
(B) Loans, Advances And Other Assets :
1. Loans:
a) Staff 2,98,000 1,48,881
b) Other Entities engagaed in activities/objectives similar to - -
that of the Entity
c) Others (specify) - -
2. Advances and Other Amounts Recoverable in cash or in kind
or for value to be received:
a) On Capital Account - -
b) Prepayments (Prepaid exp) 11,61,179 18,11,050
c) Security Deposits 36,47,500 36,47,500
d) Others: 11,80,04,339 5,42,87,823
3. Income Accrued:
a) On Investments from Earmarked/ Endowment funds 9,20,697 8,57,550
b) On Investments- Others 93,18,316 1,29,60,576
c) On Loans and Advances - -
d) Others (includes income due unrealized: NIL) 9,74,96,282 -
4. Claims Receivable - -
Total (B) 23,08,46,312 7,37,13,379
Grand Total (A)+(B) 49,90,06,771 75,41,60,564
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
118Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-12
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
INCOME FROM SALES/SERVICES
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Income from Sales
a) Sale of Finished goods - -
b) Sale of Raw Materials - -
c) Sale of Scraps - -
2. Income from Services
a) Labour and Processing Charges - -
b) Professional/ Consultancy Services - -
c) Agency Commission and Brokerage - -
d) Maintenance Services(Equipment/Property) - -
e) Others(specify) - -
TOTAL - -
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-13
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
GRANT/ SUBSIDIES
(Unit-Indian Rupee)
Particulars Current year Previous year
Irrevocable Grants and Subsidies Received
1. Central Government 1,77,99,37,800 2,25,75,78,000
2. State Government - -
3. Government agencies - -
4. Instituition / Welfares bodies -
5. International Organisations - -
6. Others : Govt. Contribution APY Scheme - -
Total 1,77,99,37,800 2,25,75,78,000
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
119Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-14
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
FEES / SUBSCRIPTIONS
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Entrance Fees - -
2. Annual Fees 54,02,49,013 36,13,45,095
3. Seminar/ Program Fee - -
4. Consultancy Fees - -
5. Licence Fees - -
6. Fees from Miscellaneous Services 17,24,501 16,84,500
7. Others (Specify) -
Total 54,19,73,514 36,30,29,595
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-15
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
INCOME FROM INVESTMENTS
(Unit-Indian Rupee)
Particulars Investment From Investment- Others
Earmarked Fund
Current Previous Current Previous
year year year year
1. Interest
a) On Govt. Securities - - - -
b) Other Bonds/Debentures - - - -
c) Others 13,11,351 13,66,021 - -
2. Dividend
a) On Shares - - - -
b) On Mutual Funds - - - -
c) Others - - - -
3. Rents - - - -
4. Others (specify) - - - -
Total 13,11,351 13,66,021 - -
Less: Transferred to Earmarked/ 13,11,351 13,66,021 - -
Endowment Funds
Net balance - - - -
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
120Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-16
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
INCOME FROM ROYALTY, PUBLICATION ETC.
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Income from Royalty - -
2. Income from Publications - -
3. Others (specify) - -
Total - -
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-17
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
INTEREST EARNED
(Unit-Indian Rupee)
Particulars Current year Previous year
1. On Term Deposits Accounts
a) with Scheduled Banks 2,10,30,324 1,29,60,576
b) with Non-Scheduled Bank - -
c) with Instituitions - -
d) Others - -
2. On Savings Bank Deposits Accounts
a) with Scheduled Banks 2,24,83,560 2,61,60,198
b) with Non-Scheduled Bank - -
c) Post Office Savings Accounts - -
d) Others: -
3. On Loans:
a) Employee/ Staff - -
b) Others - -
4. Interest on Debtors and Other Receivables 1,484
Total 4,35,15,368 3,91,20,774
Tax deducted at source to be indicated - -
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
121Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-18
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
OTHER INCOME
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Profit on Sale/ Disposal of Assets
a) Owned Assets - -
b) Assets acquired out of grants or received free - -
of cost
2. Export Incentives Realized - -
3. Fees for Miscellaneous Services - -
4. Miscellaneous Income 2,26,525 2,45,759
Total 2,26,525 2,45,759
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-19
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
INCREASE/(DECREASE) IN STOCK OF FINISHED GOODS AND WORK IN PROGRESS
(Unit-Indian Rupee)
Particulars Current year Previous year
A) Closing Stock
1. Finished Goods - -
2. Work-in-progress - -
B) Less: Opening Stock
1. Finished Goods - -
2. Work-in-progress - -
Net Increase/(Decrease) (A-B) - -
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
122Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-20
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
ESTABLISHMENT EXPENSES
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Salaries and Wages 14,86,29,812 11,70,68,575
2. Allowances and Bonus - -
3.Contribution to Provident Fund - -
4. Contribution to Pension 83,78,168 70,92,499
5. Staff Welfare Expenses - -
6. Expense on Employee Retirement and Terminal Benefits - -
7. Leave Salary 2,91,36,433 1,17,01,632
8. Tution Fees reiumbursement - -
9. Medical reiumbursement 21,04,990 18,00,128
10. Gratuity Contribution 59,03,037 47,77,901
11. Others(specify)
Total 19,41,52,441 14,24,40,735
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
123Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-21
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
OTHER ADMINISTRATION EXPENSES
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Purchases - -
2. Labour and Processing Expenses - -
3. Cartage and Carriage Inwards - -
4. Electricity and Power 16,20,901 13,20,231
5. Water Charges 4,29,465 4,06,722
6. Insurance 18,05,860 19,71,532
7. Repair and Maintenance 68,59,768 73,45,976
8. Excise Duty - -
9. Rent, Rates and Taxes 7,15,24,782 6,96,52,194
10. Vehicles Running and Maintenance 1,54,61,523 95,90,998
11. Postage, Telephone and Communication Charges 46,03,012 72,62,031
12. Printing and Stationary 15,23,073 6,97,632
13. Travelling and Conveyance Expenses 88,17,437 78,95,696
14. Expenses on Seminar/ Workshops/ Meetings and conferences 1,22,37,465 2,84,55,685
15. Subscription Expenses - -
16. Expenses on Fees - -
17. Auditors Remuneration - 2,67,872
18. Hospitality Expenses - -
19. Professional Charges 1,94,86,772 1,68,82,427
20. Books and Periodicals 1,62,865 2,49,489
21. Recruitment Expenses 2,44,412 18,82,531
22. Provision for Bad and Doubtful Debts/ Advances - -
23. Incentive to Aggregator 4,84,000 2,46,15,900
24. Swavalamban Government Contribution 18,18,55,819 34,84,88,000
25. APY Government Contribution 81,45,81,888 1,18,21,19,845
26. Incentive to Point of presence - -
27. Irrevocable balances Written off 3,11,559 -
28. Packing charges - -
29. Freight and Forwarding Expenses - -
30. Distribution Expenses - -
31. Advertisement and Publicity Expenses 2,71,03,936 24,94,84,351
32. Membership fees 8,78,780 17,250
33. Staff Welfare expenses 12,01,134 8,14,511
34. Consultancy expenses 19,68,825 16,80,780
35. APY Promotion 1,94,11,083
36. Incentive under APY 1,06,99,45,670 42,92,56,260
37. Sitting Fees 30,000 -
38. Others (Website fee expense) 33,994 2,408
Total 2,24,31,72,940 2,40,97,71,405
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
124Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-22
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
EXPENDITURE ON GRANT SUBSIDIES ETC.
(Unit-Indian Rupee)
Particulars Current year Previous year
1. Grants given to Instituitions/ Organisations/National Pension - -
System Trust
2. Subsidies given to Instituitions/ Organisations - -
3. Others : (Refund of Grants) - -
Total - -
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-23
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
INTEREST
(Unit-Indian Rupee)
Particulars Current year Previous year
1. On Fixed Loans - -
2. On Other Loans - -
3. Bank charges 2,943 1,750
4. Other(specify) - -
Total 2,943 1,750
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
125Annexure V
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-24
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
SIGNIFICANT ACCOUNTING POLICIES
(Unit-Indian Rupee)
1. Basis of accounting and preparation of financial statements
The financial statements of the Authority have been prepared in accordance with the Pension
Fund Regulatory and Development Authority (Form of Annual Statement of Accounts and
Records) Rules, 2015. The financial statements have been prepared on accrual basis under
the historical cost convention except for Swavlamban scheme and Atal Pension Yojna (APY)
maintained on payment basis, being the scheme of Government of India .
Fee from Trustee Bank and Central Record Keeping Agencies for the last quarter have been
accounted on accrual basis for FY 2018-19.
2. Government Grants
Government grants are accounted on realisation basis.
3. Fixed Assets
Fixed assets are stated at their original cost including taxes and other incidental expenses related
to acquisition.
4. Retirement benefits
Provision for Gratuity and Leave Encashment are provided as per the Actuarial Valuation for the
FY 2018-19
5. Depreciation
5.1 Depreciation is provided on the written down value method as per rates specified in The
Income tax Act 1961.
5.2 Assets costing Rs. 5,000/- or less each are fully provided.
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
126Annual Report | 2018-19
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY
SCHEDULE-25
ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT
FOR THE PERIOD 01-04-2018 TO 31-03-2019
CONTINGENT LIABILITIES AND NOTES TO ACCOUNTS
(Unit-Indian Rupee)
1. Contingent Liabilities
There is no contingent liability of the Authority as at 31.03.2019.
2. Current Assets, Loans & Advances
The Current assets, Loans and advances have a value on realisation equal at least to the aggregate
amount shown in the Balance Sheet.
3. Taxation
In view of the clause 34 of The Pension Fund Regulatory and Development Authority Act 2013,
the Authority shall not be liable to pay wealth-tax, income-tax or any other tax in respect of
its wealth, income, profits or gains derived. Accordingly, no provision for the same has been
provided in the books of accounts.
4. The unutilised Government grants as on 31.03.2019 has been shown under the head Current
Liabilities and Provisions.
5. Corresponding figures for the previous year has been regrouped/rearranged, wherever
necessary.
6. The schedule 1 to 25 are annexed to and form an integral part of the Balance sheet as at 31-03-
2019 and the Income and Expenditure account for the period 01-04-2018 to 31-03-2019.
Place: New Delhi Ashish Kumar Bharati
Date:12/09/2019 Chief Accounts Officer
S. Bandyopadhyay Madnesh Kumar Mishra Ravi Mital
Member Member Chairperson
127