Annual Report (2021-22)

okf"kZd fooj.k - 2021-22 okf"kZd fjiksVZ Annual Report 2021-22 isa'ku fuf/k fofu;ked ,oa fodkl izkf/kdj.k Pension Fund Regulatory and Development Authority ch&14@,] N=ifr f'kokth Hkou] dqrqc laLFkkfud {ks= dVokfj;k ljk;] ubZ fnYyh&110016 B-14/A, Chhatrapati Shivaji Bhawan, Qutub Institutional Area, Katwaria Sarai, New Delhi-110016 12okf"kZd fooj.k - 2021-22 ;g fjiksVZ isa’ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ¼fjiksVZ] fjVuZ vkSj fooj.kh½ fu;e] 2015 esa fu/kkZfjr okf”kZd fjiksVZ ds çk:i ds vuq:i gSA uksV% vaxzsth vkSj fgUnh laLdj.kksa ds chp lUnsg ;k folaxfr gksus ij vaxzsth laLdj.k ekU; gksxkA Note:- In case of any conflict between the Hindi version and the English version, the English version will prevail. 34okf"kZd fooj.k - 2021-22 56okf"kZd fooj.k - 2021-22 fo"k;OkLrq rkfydk y{; ,oa mn~ns';ksa dk oäO; 11 11 mís'; 11 ifjdYiuk 13 v/;{k egksn; dk lans'k 15 cksMZ ds lnL; 16 çkf/kdj.k ds ofj"B vf/kdkjhx.k 17 laf{kfIr;ka Hkkxw-I uhfr;ka vkSj dk;ZØe 20 1.1 oSf'od vkfFkZd ifj–'; 20 1.1.1 eqækLQhfr 20 1.1.2 oSf”od oLrqvksa dh dhersa 21 1.1.3 oSf'od vkfFkZd ifjos'k 21 1.1.4 c‚UM vkSj bfDoVh cktkj 22 1.2 ?kjsyw vFkZO;oLFkk 22 1.2.1 Hkkjr esa lef"V vFkZO;oLFkk dk fodkl 22 1.2.2 eqækLQhfr- 22 1.2.3 ekSfæd çca/ku 23 1.3 foÙkh; cktkj 24 1.3.1 th&lsd cktkj 24 1.3.2 d‚iksZjsV ckaM cktkj 25 1.3.3 bfDoVh cktkj 25 1.4 oSf'od isa'ku cktkj dh leh{kk 25 1.4.1 o"kZ 2021 esa vksbZlhMh {ks= esa isa'ku fuf/k vkfLr;ka 25 1.4.2 o"kZ 2021 esa bfDoVh fuos'k 27 1.5 isa'ku vuqHkkx ds fy, ctV 2022 esa çeq[k ?kks"k.kk 28 1.6 Hkkjrh; tulkaf[;dh vkSj o`)koLFkk vk; lqj{kk 29 1.7 Hkkjrh; isa'ku ifj–'; 29 1.8 ih,QvkjMh, ds y{;ksa dh la{ksi esa leh{kk 33 1.9 ,uih,l ds rgr e/;LFk bdkbZ;ka 34 1.9.1 jk"Vªh; isa'ku ç.kkyh ls lacaf/kr e/;LFk rFkk vU; bdkbZ;ka rFkk vf/kfu;e ds rgr 34 vkus okyh vU; isa”ku ;kstuk,a 1.9.2 [kkrs ds çdkj 37 7fo"k;oLrq 1.9.3 yksdlaidZ 37 Hkkx-II ,uih,l ds rgr fuf/k;ksa dk fuos’k 2.1 isa'ku fuf/k;ka ¼ih,¶l½ 38 2.1.1 isa'ku fuf/k;ksa ds dk;Z 38 2.1.2 ljdkjh {ks= ,uih,l ;kstukvksa vFkkZr~ ¼lhth vkSj ,lth½] ,uih,l LokoyEcu vkSj 39 ,ihokbZ ds fy, is”ku fuf/k;ksa dh lwph 2.1.3 futh {ks= ,uih,l ;kstukvksa ds fy, isa”ku fuf/k;ksa ¼ih,¶l½ dh lwph 39 2.2 ;kstuk,a 39 2.3 isa”ku fuf/k;ksa ls lacaf/kr fofu;e] vf/klwpuk,a] tkjh izeq[k ifji=@fn”kkfunsZ”k 46 2.4 fujh{k.k 48 Hkkx-III çkf/kdj.k ds dk;Z 3.1 e/;LFkksa dk iathdj.k rFkk LFkxu] fujlu vkfn 49 3.2 ;kstukvksa] mudh fu;e vkSj 'krksaZ dk vuqeksnu 54 3.3 jk"Vªh; isa'ku ç.kkyh ls vfHknkrkvksa dk fudkl 54 3.3.1 ih,QvkjMh, ¼,uih,l ds rgr fudkl vkSj çR;kgj.k½ fofu;e] 2015]vkSj mlds 54 rgr fd, x, la'kks/ku 3.3.2 ,uih,l ds rgr vkaf”kd çR;kgj.k 57 3.4 jk"Vªh; isa”ku ç.kkyh rFkk vf/kfu;e ds varxZr vU; isa”ku ;kstukvksa ds rgr 63 vfHknkrkvksa ds fgrksa dh j{kk ds fy, dh xbZ xfrfof/k;k 3.5 vfHknkrkvksa dh f'kdk;rksa ds fuokj.k ds fy, ra= rFkk ,slh f'kdk;rksa ds fuokj.k ds 66 fy, fd;s x, fØ;kdyki 3.5.1 foÙk o’kZ 2021&22 ds fy, izkIr] lqy>kbZ XkbZ vkSj yafcr f”kdk;rksa dh la[;k- 71 3.5.2 foÙk o’kZ 2021&22 ds fy, jkT;okj izkIr f”kdk;rsa 71 3.5.3 ih,QvkjMh, }kjk mBk, x, dne 72 3.6 lsokfuo`fÙk lykgdkjksa ds fy, çek.ku dk;ZØe 73 3.7 çkf/kdj.k rFkk e/;LFkksa }kjk vkadM+ksa dk ladyu]ftuesa v/;;u] vuqla/kku rFkk 73 ifj;kstukvksa dks 'kq: djuk 'kkfey gS 3.8 vfHknkrkvksa rFkk lkekU; turk ds fy, isa”ku] lsokfuo`fÙk cpr rFkk lEcaf/kr eqíksa ij 74 mBk;s x, dne rFkk e/;LFk bdkbZ;ksa ds çf'k{k.k fooj.k 3.8.1 foÙkh; lk{kjrk foÙkh; vfHkdj.kksa vkSj vU; vfHkdj.kksa ds lkFk leUo; dk;ZØe 74 3.8.2 ih,QvkjMh, }kjk mBk, x, dne 74 3.8.3 ehfM;k vkSj lapkj ij ih,QvkjMh, ds ç;kl vkSj ,uih,l@ ,ihokbZ tkx:drk 75 3.8.4 lks'ky ehfM;k ij ih,QvkjMh, 78 3.8.5 tulaidZ vfHkdj.k 78 3.8.6 çf'k{k.k 78 8okf"kZd fooj.k - 2021-22 3.8.7 ,uih,l vkSj ,ihokbZ lwpuk lgk;rk iVy 79 3.9 foÙk o"kZ 2021&22 ds nkSjku vk;ksftr lEesyu@CkSBdsa vkSj mBk, x, vU; dne 79 3.9.1 dsanz vkSj jkT; ljdkj {ks= ds rgr lEesyu 79 3.9.2 ljdkjh@futh {ks= esa ,uih,l ds lqyHk dk;kZUo;u ds fy, mBk, x, dne 82 3.9.3 dksiksZjsV {ks= ds rgr lEesyu 89 3.9.4 vVy isa”ku ;kstuk ds rgr dk;ZØe 90 3.10 isa'ku fuf/k;ksa ds çn'kZu 93 3.11 fofu;fer vkfLr;ka 96 3.12 foÙk o"kZ ds nkSjku çkf/kdj.k }kjk çHkkfjr ;k ladfyr fd, tkus okys vU; 'kqYd 97 ;k çHkkj 3.13 e/;LFk bdkbZ;ksa dh ys[kkijh{kk ds nkSjku ekaxh xbZ lwpuk] fd;s x, fujh{k.k] tkap] 99 vUos"k.k rFkk isa”ku fuf/k;ksa ls lEcaf/kr vU; bdkbZ;ka laxBu 3.13.1 tkap vkSj vUos"k.k 99 3.13.2 fujh{k.k vkSj ys[kkijh{kk 99 3.14 vU; 100 3.14.1 jk"Vªh; isa”ku ç.kkyh rFkk vf/kfu;e ds v/khu vU; isa”ku ;kstukvksa ds rgr 'kkfey 100 vfHknkrkvksa ¼Js.khokj½ dh la[;k 3.14.2 mifLFkfr vfLrRo 104 3.14.3 çca/ku ds v/khu vkfLr;ka 104 3.14.4 dsUæh; vfHkys[kiky vfHkdj.k 105 3.14.5 isa”ku fuf/k;ka 114 3.14.6 U;klh cSad 115 3.14.7 jk’Vªh; isa”ku ç.kkyh ds rgr vfHkj{kd 120 3.14.8 jk"Vªh; isa'ku ç.kkyh U;kl 122 3.14.9 lsokfuo`fÙk lykgdkj 124 3.14.10 isa'ku ds {ks= esa çkf/kdj.k }kjk dh xbZ vU; xfrfof/k;k¡ 124 129 Hkkx-IV 4.1 isa'ku lykgdkj lfefr 129 4.2 uo fufeZr vkSj la'kksf/kr fofu;e 130 4.3 vfHknkrk f'k{kk rFkk lqj{kk fuf/k ds mi;ksxhdj.k ij lfefr dk xBu 130 4.4 ih,QvkjMh, esa lwpuk rduhdh vkSj lkbcj lqj{kk ij LFkk;h lfefr 131 Hkkx-V isa'ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ds laxBukRed eqís 5.1 ih,QvkjMh, cksMZ 132 9fo"k;oLrq 5.2 çkf/kdj.k dh cSBdsa 132 5.3 ih,QvkjMh, esa deZpkfj;ksa dh la[;k 132 5.4 ih,QvkjMh, esa vuqlwfpr tkfr@vuqlwfpr tutkfr çdks"B vkSj vkschlh çdks"B dh 133 LFkkiuk 5.5 dk;ZLFky ij ;kSu mRihM+u dh jksdFkke ds fy, lfefr 133 5.6 deZpkjh dY;k.k lfefr 133 5.7 ih,QvkjMh, esa deZpkfj;ksa dk çf'k{k.k 133 5.8 jktHkk"kk dk çpkj 133 5.9 lwpuk dk vf/kdkj 135 5.10 lalnh; ç'u 135 5.11 vU; xfrfof/k;k¡ 136 5.12 ih,QvkjMh, ds [kkrs 136 Hkkx-VI dksbZ Hkh egRoiw.kZ {ks= tks vfHknkrkvksa ds fgr dks çfrdwy :i ls çHkkfor djrk gS 6 vfHknkrkvksa ds fgrksa dks izHkkfor djus okys dqN {ks= 137 6.1 lfØ; fofu;e dk vHkko ljdkjh uksMy vf/kdkjh dks jksdrk gS 137 6.2 ,ihokbZ esa 'kkfey gksus ds fy, 40 lky dh vk;q lhek 137 6.3 oS/kkfud nkf;Ro ftudk çkf/kdj.k us ikyu ugha fd;k gS 137 6.3.1 U;wure vk'okflr fjVuZ~l ;kstuk ¼eklZ½ 137 6.4 osru ds 10% ls vf/kd fu;ksDrk va”knku ij djk/kku 138 6.5 dj ;ksX; ifjyfC/k;ksa dh x.kuk ds fy, fu;ksDrk va”knku ij lhek 138 6.6 /kkjk 80&lh d s dj ykHk d s lkFk fV;j&II dj cpr ;kts uk dos y dnas z ljdkj 138 depZ kfj;k as d s fy, 6.7 fV;j&II fuos”k ykHkksa ij djk/kku 138 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, vU; mik; 7.1 çkf/kdj.k }kjk muds vfHknkrkvksa ds fgrksa dh j{kk ds fy, dh xbZ vU; igy 139 vuqyXud dh lwph 141 vuqyXud I isa”ku lykgdkj lfefr dk xBu 142 vuqyXud II jkT;kuqlkj ihvksih&,lihTk+ dh la[;k 143 vuqyXud III Okkf’kZd ys[kk vkSj vuqlwfp;ka 144 10okf"kZd fooj.k - 2021-22 y{; vkSj mn~ns';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 9¼2½¼x½ds rgr mn~ns'; 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 dh LFkkiuk djs vkSj mudks 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 djuk 1112okf"kZd fooj.k - 2021-22 v/;{k dk lans’k Hkkjrh; vFkZO;oLFkk esa foÙkh; fLFkjrk tksf[ke dh fuHkZjrk] oSf”od ladV vkSj Hkw&jktuhfrd eqíksa ij gksrh gSA gkykafd] Hkkjrh; foÙkh; ç.kkyh bu ladVks dk lkeuk djus ds fy, çkFkfed ekiuh;rk vkSj ewY; lkis{krk dk çn'kZu djrh gSA bl tkjh vfuf”pr oSf”od vkfFkZd ifj–”; esa] ih,QvkjMh, us lfØ; :Ik ls ,uih,l vkSj ,ihokbZ ds rgr “kkfey vius vfHknkrkvksa ds fgrksa dh j{kk gsrq dbZ mik; fd, gSaSA ;g vius lHkh vfHknkrkvksa dks dksfoM&19 egkekjh ds nkSjku vkaf”kd fudklh dh vuqefr çnku djus ls ysdj mi;ksx vkSj igqap dh ljyrk iznku djrk jgk gSA dksfoM&19 dh çfrdwyrk vkSj ;wjksi esa ;q) ladVksa us oLrq cktkj esa dherksa dks vkSj vf/kd c<+k fn;k] foÙkh; cktkjksa esa fodV ifjfLFkfr;ka mRiUu dj nh vkSj dPps rsy dh dhersa dbZ lky ds mPp Lrj ij igqap xbZa gSa fo”o vkfFkZd ifjn`”; fjiksVZ&vçSy 2022 ds vuqlkj] oSf”od fodkl 2021 ds vuqekfur 6-1 çfr”kr ls 2022 esa 3-6 çfr”kr rd /khek gksus dk vuqeku gSA blls nqfu;k Hkj esa eqækLQhfr esa o`f) gqbZ gS vkSj nqfu;k Hkj esa ekSfæd uhfr;ksa dks l[r fd;k x;k gSA igys igy ekpZ 2022 esa QsMjy fjtoZ }kjk 25 vk/kkj vadksa dh nj esa o`f) dh tk jgh gS rFkk o’kZ esa vkSj vf/kd o`f) gksus dh laHkkouk gSA bl csgn vfuf'prrkiw.kZ okrkoj.k esa] ih,QvkjMh, foosdiw.kZ <ax ls çcaf/kr isa”ku fuf/k;kas vkSj b"Vre :i ls fofu;fer fuos'k fn'kkfunsZ'kksa ds ek/;e ls vius vfHknkrkvksa ij lfØ; :Ik ls blds izfrdwy çHkkoksa dks de djus esa l{ke jgk gSA c<+rh vkSj o`) vkcknh ds ekStwnk ifj–”; esa] vkus okys n'kdksa esa ns”k dk tulkaf[;dh; ykHkka'k foijhr gks tk,xkA bruk gh ugha] cfYd Hkkjr vkus okys ikap ;k Ng o"kksaZ esa nqfu;k dk lcls vf/kd vkcknh okyk ns”k cu tk,xk] lkFk gh lkFk thou çR;k'kk esa Hkh o`f) gksxhA ,sls esa ns”k ds lHkh ukxfjdksa ds fy, o`)koLFkk lqj{kk dks etcwr djuk vfuok;Z gks tkrk gSA ,d foÙkh; mRikn ds :i esa isa”ku dk nksrjQk mís”; gksrk gS] igyk o`)koLFkk lgk;rk iz.kkyh ds :i esa dk;Z djuk vkSj nwljk i;kZIr gksuk rkfd o`)koLFkk esa thou Lrj O;fä ds fy, leku cuk jgsA pwafd ;g ,d nh?kZdkfyd foÙkh; mRikn gS] blfy, bls fdlh O;fä dh dkedkth mez ds nkSjku dks’k ds lap; ds fy, fujarj Lrj ds ;ksxnku dh vko”;drk gksrh gSA bls çkIr djus ds fy,] isa”ku] lsokfuo`fÙk ;kstuk vkSj cpr ds lanHkZ esa foÙkh; lk{kjrk ,d egRoiw.kZ Hkwfedk fuHkkrh gSA ftruh tYnh dksbZ O;fä viuh isa”ku esa ;ksxnku nsuk 'kq: djrk gS] mruk gh vf/kd os pØo`f) ds ykHkksa dks çkIr djus esa l{ke gksrs gSaA Ikh,QvkjMh, us vfHknkrk la[;k esa 22-6 çfr”kr dh o`f) ds lkFk tks orZeku esa 520-21 yk[k gS vkSj çca/ku ds rgr ifjlaifÙk esa 27-4 çfr”kr dh o`f) ds lkFk tks orZeku esa #- 7]36]594 djksM+] rsth ls fodkl ns[kk gSA vVy isa”ku ;kstuk] tks fd izeq[k :Ik ls vlaxfBr {ks= dh vksj dsfUnzr gS] mlesa ukfefrdj.kksa dh la[;k pkj djksM+ dks ikj dj xbZ] tks ih,QvkjMh, }kjk izkIr dh xbZ ,d cM+h miyfC/k gSA ih,QvkjMh, ,d ,slh isa”ku ;kstuk ds fuekZ.k ij fopkj dj jgk gS] tks blesa “kkfey gksus okys vfHknkrkvksa dks U;wure vk”okflr fjVuZ iznku djsxkA ih,QvkjMh, izR;sd iksVZQksfy;ks vkoaVu ;kstuk ds lkFk ,d fjLd&vks&ehVj “kq: djus dh fn”kk esa Hkh dk;Z dj jgk gSA 13v/;{k dh lans'k foÙkh; o’kZ 2021&22 ds fy, ih,QvkjMh, dh bl okf’kZd fjiksVZ dks lk>k djrs gq, eq>s çlUurk gks jgh gSA ;g fjiksVZ çkf/kdj.k dh çeq[k xfrfof/k;ksa vkSj igyksa dks çnku djus dk ç;kl djrh gSA eq>s fo'okl gS fd ;g fjiksVZ Hkkjr esa isa”ku dh dk;Zç.kkyh ds ckjs esa Kku dks c<+k,xhA ge bl fjiksVZ ij vkidh çfrfØ;k dk Lokxr djrs gSa A var esa] eSa] Hkkjr dks ,d isa”kuHkksxh lekt cukus ds fy, o`)koLFkk vk; lqj{kk ds vius mís”; dks iwjk djus dh ih,QvkjMh, dh çfrc)rk vkSj leiZ.k dks nksgjkuk pkgrk gwa A lqizfre canksik/;k; v/;{k 14okf"kZd fooj.k - 2021-22 cksMZ ds lnL; ¼ih,QvkjMh, vf/kfu;e] 2013 ¼2013 dk vf/kfu;e 23½ dh /kkjk 4 ds rgr fu;qä½ 15izkf/kdj.k ds ofj"B vf/kdkjhx.k çkf/kdj.k ds ofj”B vf/kdkjhx.k ¼31-03-2022 rd½ dk;Zdkjh funs’kd Jh vuar xksiky nkl lqJh eerk jksfgr Jh v”kksd dqekj lksuh eq[; egkçca/kd Jh osadVs”ojyw isjh lqJh lqehr dkSj diwj Jh vk”kh’k dqekj Jh ds eksgu xka/kh Jh eksuks eksgu xksxksbZ Qqdksu Jh vf[kys”k dqekj egkçca/kd Jh izos”k dqekj Jh fodkl dqekj flag Jh lqfer dqekj Jh ih-v#eqxkjaxjktu Jh lfpu tksustk Jh vk”kh’k dqekj Hkkjrh lqJh xqjfeUnj dkSj eq[; lrdZrk vf/kdkjh Jh Mh-ds-ukenso yksdiky Jh vuZc jk; okf”kZd fjiksVZ ny Jh osadVs”ojyw isjh] eq[; egk izcU/kd lqJh eatw HkYyk] mi egk izcU/kd Jh euh’k ef.k] lgk;d egk izcU/kd Jh fl)kar eksgkik=k] lgk;d izcU/kd] lqJh vkdka{kk pkSgku] dfu’B vFkZ”kkL=h 16okf"kZd fooj.k - 2021-22 Lakf{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 lhchvks d‚iksZjsV 'kk[kk v‚fQl lhlhvkbZ Hkkjrh; izfrLi/kkZ vk;ksx lhbZvks eq[; dk;Zdkjh vf/kdkjh 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= lhihvkbZ miHkksäk ewY; lwpdkad lhihvkbZvks dsaæh; yksd lwpuk vf/kdkjh lhvkj, dsaæh; vfHkys[kiky vfHkdj.k lh,lth,y xzkgdksa dh lgk;d lkekU; [kkrkcgh Mhch ifjHkkf"kr ykHk 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; bZ,eMhbZ mHkjrs ckt+kj vkSj fodkl”khy vFkZO;oLFkk,a bZih,Q deZpkjh Hkfo"; fuf/k bZih,Qvks deZpkjh Hkfo"; fuf/k laxBu bZih,l deZpkjh isa'ku ;kstuk bZvkj,e =qfV vk'kks/ku eksMîwy 17laf{kfIr;ka ,Q,D;w vf/kdka'kr% iwNs tkus okys ç'u fQu&Vsd foÙkh; rduhd ,QvkbZvkbZ fons'kh laLFkkfud fuos'kd fQu&Vsd foÙkh; rduhd ,Q,lMhlh Qkbusaf”k;y LVsfcfyVh vkSj MsoyisesaV dkmafly ,Qvkjih,l QkaMl Ms fjVªsV izksQsluy liyhesaVs;j ,QokbZ foÙk o"kZ thMhih ldy ?kjsyw mRikn thlsd ljdkjh lqj{kk vkbZ,Q,llh bafM;u Qkbusaf”k;y flLVe dksM vkbZ,e,Q vUrjk"Vªh; eqæk dks”k vkbZvks,l vkbZQksu vkWijsfVax flLVEk vkbZ,lVh,e lfpoky; izf”k{k.k rFkk izca/ku laLFkku vkbZfiu bUVjusV ilZuy vkbMsaVhfQds'ku la[;k Vhfiu VsyhQksfud ilZuy vkbMsaVhfQds'ku uacj vkbZvkjMh,vkbZ Hkkjrh; chek fofu;ked vkSj fodkl çkf/kdj.k vkbZvkj,Q&,Qlh baVj jsxqysVjh Qksje QkWj ekfuVfjax Qkbusaf”k;y dkaxyksejsVl dsokbZlh vius xzkgd dks tkus ,e,QvkbZ lw{e foÙk laLFkku ,evkbZ,l çca/ku lwpuk ç.kkyh eksckby ,i eksckby ,ifyds”ku ,u,,pvkjMh us”kuy vdsMeh ,u,oh dqy vkfLr ewY; ,uch,Qlh xSj&cSafdax foÙkh; daifu;ka ,ulh,QbZ us”kuy lsaVj QkWj Qkbusaf”k;y ,M;wds”ku ,uvkbZ,l,e us’kuy bafLVVîwV v‚Q flD;ksfjVht ekfdZV ,u,y,vks ,uih,l ykbV [kkrk dk;kZy; ,uihlhvkbZ us”kuy isesaVl dkWiksZjs”ku vkWQ bafM;k ,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 ,uvkjvkbZ vfuoklh Hkkjrh; ,u,lMh,y us'kuy flD;qfjVht fMi‚ftVjh fyfeVsM 18okf"kZd fooj.k - 2021-22 ,u,lbZ jk"Vªh; 'ks;j cktkj vksbZlhMh vkfFkZd lg;ksx vkSj fodkl laxBu vksihth,e vkWuykbu izku tsujs”ku ekM~;wy vks,evks [kqys cktkj ds ifjpkyu vksVhih ou Vkbe ikloMZ ih,lh isa”ku lykgdkj lfefr IkSu LFkk;h [kkrk la[;k ih,vks osru vkSj ys[kk dk;kZy; ihvkj,vks iz/kku ys[kk dk;kZy; ih,Q isa”ku fuf/k ih,Q,e isa”ku fuf/k izca/kd ihvksih mifLFkfr vfLrRo ihvksih&,lih mifLFkfr vfLrRo lsok çnkrk ihihih Ø; “kfDr ikjnf”kZrk çku LFkk;h lsokfuo`fÙk [kkrk la[;k D;wvkj dksM fDod fjLikal dksM vkj, lsokfuo`fÙk lykgdkj vkjchvkbZ Hkkjrh; fjtoZ cSad fjfcV fjtoZ cSad baQksesZ”ku VsDuksyksth izkbosV fyfeVsM vkvkjch {ks=h; xzkeh.k cSad vkjVhvkbZ lwpuk dk vf/kdkj ,llh,Q vfHknkrk va'knku Qkby 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 ,lVh,l loZj ls loZj Vhch U;klh cSad Vhth,QvkbZ,Q,y VsDuhdy xqzi vkWu Qkbusaf”k;y buDyw”ku ,aM QkbUksf”k;y fyVjslh ;wvks,l vlaxfBRk {ks= MCY;wbZvks fo'o vkfFkZd ifj–'; MCY;wihvkbZ Fkksd ewY; lwpdkad MCY;wVh,e iw.kZdkfyd lnL; 19Hkkx&I Hkkx I uhfr;ka vkSj dk;ZØe Hkkjr esa ,uih,l dh “kq#vkr us ifjHkkf’kr ykHk isa”ku esa 3-6 çfr'kr jgus dh laHkkouk gS A 2023 ds ckn] ç.kkyh ls ifjHkkf’kr va”knku isa”ku ç.kkyh dh vksj e/;e vof/k esa oSf'od o`f) 3-3 çfr'kr ls fxjus ,d vkn”kZ cnyko dks fpfàr fd;k gSA ih,QvkjMh, dk vuqeku gSA fo'o O;kikj laxBu us 2022 esa fo'o vf/kfu;e] 2013 dh çLrkouk] Hkkjr esa o`)koLFkk O;kikj o`f) ds vuqeku esa deh djds 3-0 çfr'kr vk; lqj{kk dks iznku djus dk mís”; fu/kkZfjr djrh rd gksus dh vk'kk trkbZ gS A gSA jk’Vªh; isa'ku ç.kkyh ¼,uih,l½ dh jpuk ns'k esa mHkjrs cktkj vkSj fodkl’khy vFkZO;oLFkk,a ,d lqlaxr vkSj foÙkh; :i ls LFkk;h isa'ku ç.kkyh ¼bZ,eMhbZ½ & MCY;wbZvks dh vizSy 2022 dh fjiksVZ ds fuekZ.k vkSj fØ;kUo;u ds çfr ,d O;ofLFkr ds vuqlkj] ekpZ esa rqdhZ vkSj eysf'k;k esa fofuekZ.k –f’Vdks.k j[kus ds bjkns ls dh xbZ gSA ih,evkbZ ladqfpr gks xbZ] tcfd felz esa] egkekjh isa'ku {ks= oSf'od vkSj ?kjsyw fodklksa }kjk çHkkfor dh “kq:vkrh ygj ds ckn dqy vFkZO;oLFkk ih,evkbZ gksrk gSA lkFk gh] isa'ku ifjlaifÙk;ka iwath cktkj vius lcls fupys Lrj rd fxj xbZ vkSj Hkfo"; vkSj cqfu;knh <kaps ds fy, lalk/kuksa dks fn'kk nsdj esa mRiknu dh mEehnsa ,d fjdkWMZ fuEu Lrj ij fofHkUu rjhdksa ls vFkZO;oLFkk dks çHkkfor djrh igaqp xbZA [kk| oLrq vkSj bZa/ku dh c<+rh dherksa us gSaA oSf'od vkSj ?kjsyw fodkl] vkfFkZd lao`f) vkSj okf”kZd eqækLQhfr esa ;ksxnku fn;k] tks czkthy vkSj eqækLQhfr oLrq dh dherksa ds lkFk&lkFk mu ekSfæd eSfDldks esa Øe”k% 11-3 çfr'kr vkSj 7-5 çfr'kr Fkh vkSj jktdks"kh; uhfr çfrfØ;kvksa esa Hkh ifjyf{kr tcfd rqdhZ esa 60 çfr'kr ls vf/kd FkhA gksrs gSSa] vkSj lkFk esa foÙkh; cktkj ds lHkh {ks=ksa dks] 1.1.1 eqækLQhfr pkgs og bfDoVh cktkj gks] ljdkjh çfrHkwfr cktkj gks ;k ckaM cktkj gksa] dks çHkkfor djrs gSaA fjiksVZ c<+h gqbZ eqækLQhfr] dherksa ds ncko dks fu;af=r ds bl Hkkx esa oSf'od vkSj ?kjsyw isa'ku cktkjksa ds djus vkSj fodkl nj dks lqjf{kr j[kus ds chp ?kVukØeksa ij /;ku nsus ls igys oSf'od vkSj ?kjsyw dsUæh; cSadks ds leUo; dks dfBu cuk nsxhA dsUnzh; vFkZO;oLFkk dh laf{kIr leh{kk dh xbZ gSA cSadksa dh uhfr l[r gksus ls C;kt+ njksa esa c<+ksrjh dh mEehn gS ftlls mHkjrs ckt+kjksa vkSj fodkl”khy 1.1 oSf'od vkfFkZd ifj–’; vFkZO;oLFkkvksa ij ncko iMsxkA ;g ;w,l QsMjy oSf”od vFkZO;oLFkk vR;ar mFky iqFky ds nkSj dk fjtoZ }kjk gky gh esa mBk, x, dne ls çeq[k vuqHko dj jgh gS] ftldh rqyuk 1930 dh egkeanh :i ls ns[kk tk ldrk gS] tgk¡ vesfjdh ljdkj us ls dh tk ldrh gS A ;g fLFkfr çeq[k :i ls csapekdZ C;kt nj dks vk/kk çfr'kr c<+kdj 0-75 ls dksfoM&19 egkekjh vkSj ;wØsu ;q) tSls nksgjs ladV 1 izfr”kr rd dh lhek esa dj fn;k] tks fd 2000 ds dkj.k mRiUu gqbZ gS A bZa/ku vkSj [kk| oLrqvksa ds ckn ls mudh lcls cM+h o`f) gSA vçSy 2022 ds dk ewY; rsth ls c<+k gS] ftldh pisV esa vkdj MCy;wbZvks viMsV ds vuqlkj] oLrq dherksa esa ;q) ls fo'ks"k :i ls de vk; okys ns'kksa ds yksx lokZf/kd izsfjr c<+ksrjh vkSj dherksa ds c<+rs ncko ds dkj.k çHkkfor gq, gSaA fo'o vkfFkZd ifj–'; ¼MCY;wbZvks½ eqnzkLQhfr fiNys iwokZuqeku dh rqyuk esa vf/kd le; fjiksVZ vçSy 2022 ds vuqlkj] oSf'od o`f) ds 2021 rd cuh jgus dh mEehn dh tk jgh gSA ifj.kkeLo#i esa vuqekfur 6-1 çfr'kr ls ?kVdj 2022 vkSj 2023 eqækLQhfr fiNys iwokZuqeku dh rqyuk esa vf/kd le; 20okf"kZd fooj.k - 2021-22 rd cuh jgus dh laHkkouk gSA o"kZ 2022 rd] mUur blh rjg [kk| dherksa esa 2022 esa yxHkx 4½ vFkZO;oLFkkvksa esa eqækLQhfr 5-7 çfr'kr vkSj mHkjrs çfr'kr dh e/;e xfr ls o`f) vkSj 2023 esa cktkj vkSj fodkl'khy vFkZO;oLFkkvksa esas 8-7 çfr'kr fxjkoV dh mEehn dh tk jgh gS A oLrqvksa dh jgus dk vuqeku gSA gkykafd] vkiwfrZ&ekax vlarqyu dherksa esa o`f) vkSj c<+rh dherksa ds ncko ds dkj.k dk Øeokj lek/kku vkSj Je vkiwfrZ esa gks jgh ekewyh 2022 esa mUur vFkZO;oLFkkvksa esa 5-7 çfr'kr vkSj o`f) dh vis{kk ls] varr% ewY; eqækLQhfr esa deh] mHkjrs cktkj vkSj fodkl'khy vFkZO;oLFkkvksa esa 8-7 vFkkZr~ iqu% iwokZuqeku esa vfuf'prrk gh fn[kkbZ nsrh çfr'kr eqækLQhfr dk vuqeku yxk;k x;k gSA gSA o"kZ 2022 esa dbZ mHkjrh vFkZO;oLFkkvksa }kjk 1.1.3 oSf’od foÙkh; okrkoj.k jktdks"kh; lesdu çkIr djus dk vanktk yxk;k tk jgk gS] ysfdu egkekjh ds ckn gqvk dtks± dk Å¡pk oSf'od foÙkh; fLFkjrk fjiksVZ ¼th,Q,lvkj½ vçSy cks>] vkus okys dbZ o"kksaZ rd ,d leL;k ds :i esa 2022 ds vuqlkj] oLrq cktkjksa esa O;o/kku vkSj cuk jgsxkA çfri{k tksf[ke esa o`f)] [kjkc cktkj rjyrk vkSj QafMax LVªsu] mHkjrs cktkjksa esa fØIVksdj.k dh xfr 1.1.2 oSf’od oLrq ewY; vkSj laHkkfor lkbcj ?kVukvksa ds }kjk nqfu;kHkj deksfMVh ekfdZV vkmVyqd fjiksVZ] fo'o cSad] ds ds ekStwnk foÙkh; iz.kkfy;ksa ds yphysiu dks ij[kk vçSy 2022 laLdj.k ds vuqlkj] ;wØsu esa ;q) tk,xkA mHkjrs vkSj lhekar cktkj dBksj foÙkh; us oLrqvksa dh dherksa esa O;kid o`f) dh gS] tks fLFkfr;ksa vkSj iwath cfgokZg ds mPp tksf[ke dk fd 2020 ds e/; esa dksfoM&19 egkekjh fo"k;d lkeuk dj jgs gSaA ;w,l izfrQy esa c<+ksrjh ds fparkvksa dks de djds ekax esa o`f) ds lkFk lkFk tqM+s LisM fxjkoV us dbZ m/kkjdRkkZvksa dh ‘kq: gqbZ FkhA oSf'od vFkZO;oLFkk esa lq/kkj ds foÙkiks’k.k ykxr dks egkekjh ds igys ds Lrjksa lkFk&lkFk oLrqvksa dh ekax esa lq/kkj gqvk] tcfd ls dkQh Åij c<+k fn;k gSA la;qä jk"Vª ekSfæd oLrq mRiknu esa cgqr gh /khjs&/khjs o`f) gqbZA uhfr ds lkekU;hdj.k vkSj c<+h gqbZ Hkw&jktuhfrd ubZ mRiknu {kerk esa dbZ o"kksaZ ds detksj fuos'k vfuf'prrk ds dkj.k l[r ckgjh foÙkh; fLFkfr;ksa ds lkFk&lkFk fofHkUu vkiwfrZ O;o/kku de gq,A ls iksVZQksfy;ks çokg ds fy, udkjkRed tksf[ke ifj.kkeLo#i ÅtkZ dh dhersa ¼ vesfjdh M‚yj c<+us dh laHkkouk gSA la;qDr jkT; vesfjdk esa ds lUnHkZ esa½ ekpZ 2022 esa muds vçSy 2022 ds C;kt nj esa gqbZ vpkud vkSj fujarj o`f)] ekStwnk fupys Lrj dh rqyuk esa pkj xquk vf/kd Fkha& detksfj;ksa dks rst djrs gq, oSf'od foÙkh; fLFkfr;ksa ;g 1973 ds rsy dh dherksa esa o`f) ds ckn ls dks etcwr dj ldrh gSA ftlds ifj.kkeLo:i ÅtkZ dh dherksa esa 23 eghus dh lcls cM+h o`f) cktkj esa vfLFkjrk vkSj foÙkh; lk/kuksa dh dher esa FkhA ekpZ dh 'kq#vkr esa dPps rsy dh dhersa 130 rst fxjkoV vk ldrh gSA tc mHkjrs ckt+kj Je M‚yj çfr cSjy rd ;kuh vius 10 lky ds mPp dh deh dk lkeuk dj jgs gksa vkSj ns”kh eqnzk dh Lrj ij igq¡p xbZ] ysfdu varjkZ"Vªh; ÅtkZ ,tsalh iSnkokj c<+ jgh gks rks ,sls esa tksf[ke u ysus ls ds lnL; ns'kksa }kjk egRoiw.kZ rsy lwph ls feyh mu cktkjksa ij izfrdwy izHkko iM+ ldrk gSA igys enn ds dkj.k vçSy ds e/; rd fxjdj 105 ls ekStwn eqnzkLQhfr ds ncko esa oLrqvksa dh dher M‚yj çfr cSjy ds djhc vk xbZA ekpZ esa /kkrq dh esa gqbZ rst o`f) ds lkFk gh oSf”od vFkZO;oLFkk dherksa esa 7 çfr'kr dh o`f) gqbZA ekpZ esa oSf'od dh laHkkoukvksa dks ysdj cuh xgjh vfuf”prrk lexz ih,evkbZ 53-5 ls fxjdj 52-7 ij vk x;kA ds le; esa dsUnzh; cSadksa dks fjdkWMZ eagxkbZ ls 21Hkkx&I yM+us vkSj egkekjh ds ckn gks jgs lq/kkjksa dks cuk, ukfeuy ckaM çfrQy rsth ls c<+kA j[kus dh tn~nksgn esa ,d pqukSrhiw.kZ O;kikjcanh dk 1.2 ?kjsyw vFkZO;oLFkk lkeuk Hkh djuk iM+ jgk gSA 1.2.1 Hkkjr esa lef"V vkfFkZd fodkl 1.1.4 ckaM vkSj bfDoVh cktkj Hkkjr ds nqfu;k esa lcls rsth ls c<+us okyh th,Q,lvkj viySz 2022 d s vulq kj o"k Z dh 'k#q vkr ea s vFkZO;oLFkk ds :i esa fodflr gksus dh vk'kk gS eæq kLQhfr –f"Vdk.s k fo"k;d fpra kvk as d s c<u+ s d s ckn] ;)q D;ksafd vFkZO;oLFkk vius lq–<+ yksdra= vkSj çcy d s ckn l s mUur vFkOZ;oLFkk ukeek= ckMa çfrQy njka s lk>snkfj;ksa dh lgk;rk ls dksfoM&19 ls mcj jgh dh c<h+ gbq Z vfLFkjrk d s chp vf/kd c< + x;k gAS rts h gSaA vkfFkZd ifj–'; esa lq/kkj ds lkFk] vFkZO;oLFkk ds l s c<r+ h oLr q dherk as d s dkj.k eæq kLQhfr ykHk&vykHk fofHkUu {ks=ksa esa fuos'k gqvk gSA esd bu bafM;k vkSj fLFkfr ¼Hkfo"; dh eæq kLQhfr d s fy, cktkj&fufgr fMftVy bafM;k tSlh igy ds dkj.k dbZ fons'kh çfri=½ egRoi.w k Z :Ik l s c<h+ gAS dEifu;ka Hkkjr esa viuh lqfo/kk,a çnku dj jgh gSaA th,Q,lvkj ds vuqlkj] Xykscy d‚iksZjsV ckaM LçsM esd bu bf.M;k igy dk mís'; ns'k esa fofuekZ.k {ks= us dqN cM+s {ks=ksa vkSj vf/kdka'k mPp mit okys dks c<+kuk vkSj vke Hkkjrh; miHkksDrk dh Ø; “kfDr {ks=ksa esa iwoZ egkekjh ds Lrj dks ikj dj fy;k dks c<+kuk gS] tks fuos”kdksa dks YkkHk igqapkus ds lkFk gSA lcls de jsVsM izfr’Bkuksa ds fy, o`f) vf/kd gh ekax dks vkxs c<+k, vkSj fodkl dks izsfjr djsaA iznf”kZr gqbZ gS] tks fd Hkfo"; dh laHkkfor fparkvksasa nwljh vksj] fMftVy bfUM;k igy rhu eq[; ?kVdksa dh vksj ladsr djrh gSA bfDoVh vkSj C;kt nj ij dsfUær gS % fMftVy cqfu;knh <k¡ps dk fuekZ.k nksuksa cktkjksa esa vfLFkjrk rsth ls c<+h gS] tks djuk] lsokvksa dks fMftVy :i ls forfjr djuk vkfFkZd vkSj uhfrxr –f"Vdks.k ij c<+h vfuf'prrk vkSj fMftVy lk{kjrk c<+kukA dks n'kkZrh gSA vkjchvkbZ ¼lanHkZ& ,eihlh fjiksVZ] vçSy 2022½ ds bfDoVh esa] cktkj esa fufgr vfLFkjrk esa rsth ls vuqlkj] 2021&22 esa okLrfod ldy ?kjsyw mRikn fxjkoV vkbZ gS vkSj 2022 ds var rd bu Lrjksa ¼ GDP½ 8-9 çfr'kr c<+ x;k] tks blds iwoZ egkekjh ds vklikl jgus dk vuqeku gS A C;kt njksa esa] ¼2019&20½ ds Lrj ls dsoy 1-8 çfr'kr vf/kd gS A og cktkj fufgr vfLFkjrk mUur cuh gqbZ gS] tks mUur vkfFkZd xfrfof/k] ftlus nwljh ygj eas deh ds lkFk vFkZO;oLFkkvksa esa uhfr lkekU;hdj.k çfØ;k ds ckjs o’kZ 2021&22 dh frekgh 2 ¼Q2½ ¼tqykbZ&flrEcj½ esa vfuf'prrkvksa dks n'kkZrh gS A nwljh vksj] bl o"kZ esa iqu% xfr gkfly dh Fkh] mlus o’kZ 2021&22 dh mUur vFkZO;oLFkkvksa esa foÙkh; fLFkfr dBksj cuh gqbZ frekgh 3 ¼Q3½ 2021&22 ¼tqykbZ&flrEcj½ esa xfr gS] tks d‚iksZjsV ewY;kadu esa fxjkoV] mPp ljdkjh [kks nh vkSj frekgh 4 ¼tuojh&ekpZ½ esa vksfeØksu ds ckaM çfrQy vkSj ekSfæd uhfr lkekU;hdj.k dh çlkj ds lkFk rst+h ls de gks xbZ A fujUrj mEehnksa dks n'kkZrh gS A 1.2.2 eqækLQhfr o’kZ dh “kq#vkr esa eqækLQhfr –f"Vdks.k fo"k;d vkjchvkbZ ,eihlh fjiksVZ] vçSy 2022 ds vulq kj] fparkvksa ds c<+us ds ckn] ekpZ esa C;kt+ njksa esa flrEcj 2021 e as 4-3 çfr'kr rd de gkus s d s ckn vfLFkjrk ds chp] czsd bZou vkSj okLrfod njksa] lhihvkb Z eæq kLQhfr Qjojh 2022 e as c<d+ j 6-1 çfr'kr bu nksukas esa c<+ksrjh n”kkZrs gq, mUur vFkZO;oLFkk gk s xb]Z tk s [kk| eæq kLQhfr e as of`) l s çfsjr FkhA 22okf"kZd fooj.k - 2021-22 ekfld vkfFkZd leh{kk] ekpZ 2022 ds vuqlkj] Fkksd ewY; lwpdkad ¼MCY;wihvkbZ½] MCY;wihvkbZ vçSy&Qjojh 2022 ds fy, miHkksäk ewY; lwpdkad eqækLQhfr vçSy&Qjojh 2021 dh vof/k ds fy, 0-7 ¼CPI&C½ ;k [kqnjk eqækLQhfr 5-4 çfr'kr Fkh] tks çfr'kr rd vuqdwy Fkh A gkykafd] blesa 2021&22 fd fiNys o”kZ dh blh vof/k ds 6-3 çfr'kr dh dh blh vof/k esa 12-7 çfr'kr dh o`f) ns[kh xbZ A rqyuk esa 6 çfr'kr dh lgu'khyrk lhek ls dkQh MCY;wihvkbZ eqækLQhfr esa o`f) fiNys okZ ds çfrdwy de gS A ewy eqækLQhfr ¼[kk| vkSj bZa/ku dks NksM+dj çHkko ds dkj.k FkhA lhihvkbZ½] eqækLQhfr dk ,d vf/kd fLFkj mik;] Fkksd ewY; lwpdkad (WPI) vçSy eghus esa c<+dj fiNys o'kZ dh leku vof/k esa 5-5 çfr'kr dh rqyuk 15-08 Qhlnh gks x;kA WPI eqækLQhfr vçSy 2021 esa 6-0 çfr'kr jgk] D;ksafd 2021&22 esa vFkZO;oLFkk ls 'kq: gksdj yxkrkj 12osa eghus nksgjs vadksa esa cuh esa ekax dk ncko cuk jgk A gqbZ gSA pkVZ 1.1: eqækLQhfr nj lhihvkbZ vkSj MCY;wihvkbZ óksr% PIB and MoSPI 1.2.3 ekSfæd çca/ku orZeku vkSj fodkl”khy O;kid vkfFkZd fLFkfr ds vkdyu ds vk/kkj ij] ftlesa vkiwfrZ J`a[kyk dh o"kZ 2021&2022 ds fy, igys f}&ekfld ekSfæd uhfr ckèkk,a] bZa/ku dh c<+rh dher vkfn 'kkfey gSa] ekSfæd oäO; esa] ,eihlh us uhfr jsiks nj dks 4-00 çfr'kr uhfr lfefr ¼,eihlh½ us 4 ebZ] 2022 dks viuh cSBd j[kkA rhljs] pkSFks] ikapos vkSj NBs f}ekfld ekSfæd esa uhfr jsiks dks c<+kus dk fu.kZ; fy;kA pyfuf/k uhfr oäO;ksa esa uhfr jsiks nj çfr'kr vifjofrZr lek;kstu lqfo/kk ¼,y,,Q½ ds rgr nj dks rRdky jgkA blds vfrfjä] eqækLQhfr dks y{; ds Hkhrj çHkko ls 40 vk/kkj vad c<+kdj 4-40 çfr'kr dj lqfuf'pr djrs gq, vkjchvkbZ bl lek;kstu :[k fn;k x;k gSA blesa LFkk;h tek lqfo/kk dh nj dks ds lkFk tkjh jgk fd D;k fodkl dks iquthZfor 4-15% vkSj lhekar LFkk;h lqfo/kk dks c<+kdj 4-65% djuk vko';d FkkA 23Hkkx&I djuk Hkh 'kkfey gSA blus ,d ,sls {k.k dks fpfàr QSlyk fd;k rkfd ;g lqfuf'pr gks lds fd fodkl fd;k tgka vkjchvkbZ us lek;kstu dh okilh ij ds lkFk&lkFk eqækLQhfr y{; ds Hkhrj cuh jgsA /;ku dsafær djrs gq, lek;kstu'khy cus jgus dk pkVZ 1.2: foÙk o"kZ 2020&21 vkSj foÙk o"kZ 2021&2022 ds nkSjku jsiks nj esa xfr dks uhps çnf’kZr fd;k x;k gS % lzksr % ,eihlh fjiksVZ~l vkjchvkbZ 1.3 foÙkh; cktkj 1.3.1 th&lsd cktkj Hkkjr esa ,d fofo/k foÙkh; {ks= gS] tks foÙkh; lsokvksa vkjchvkbZ vçSy 2022 dh ekSfæd uhfr fjiksVZ ds vkSj ubZ laLFkkvksa ds fodkl ds ekeys esa rsth ls c<+ vuqlkj] nwljh Nekgh ds nkSjku] 10 o"khZ; th&lsd jgk gSA bl {ks= esa okf.kfT;d cSad] xSj cSafdax foÙkh; çfrQy 63 chih,l ls dBksj gks xbZ] ftlus oSf'od daifu;ka] isa'ku fuf/k] E;wP;wvy QaM vkSj vU; NksVh vkSj ?kjsyw dkjdksa dks n'kkZ;k A 2021&22 esa frekgh 3 foÙkh; laLFkk,a 'kkfey gSaA dksfoM&19 ds dkj.k o"kZ ds nkSjku 10 o"khZ; çfrQy 24 chih,l ls c<+ x,A 2020&21 ,d viokn o"kZ jgk gSA frekgh 4 ds nkSjku csapekdZ çfrQy vkSj vf/kd 39 chih,l ls –< gq, A th&lsd vkSj Vh&fcYl nksuksa vkjchvkbZ vçSy 2022 dh ekSfæd uhfr fjiksVZ esa vkSlr O;kikj ek=k 2021&22 dh nwljh Nekgh ds vuqlkj] o"kZ 2021&22 dh nwljh Nekgh ds esa de gks xbZ A nwljh Nekgh ds nkSjku çfrQy nkSjku] vksfeØksu ds çdksi ds dkj.k vfLFkjrk ls dk vkSlr Lrj 38 chih,l ls c<+ x;k A pyfuf/k mRiUu vfrfjä rjyrk dh fLFkfr] mUur ns'kksa esa iqulaZrqyu ds dkj.k vYidkfyd njksa esa rst o`f) lkekU;hdj.k dh çR;kf'kr xfr] rst ?kjsyw eqækLQhfr dks ns[krs gq, Lyksi 41 chih,l ls lery gks x,A dh fparkvksa] cM+s ljdkjh m/kkj dk;ZØe ds ckjs esa eanh dk :[k vkSj gky gh esa gq, Hkw&jktuhfrd la?k"kZ ls dPps rsy dh dherksa esa lgkuqHkwfriw.kZ mNky ds chp ?kjsyw foÙkh; cktkj vis{kk—r fLFkj jgs A 24okf"kZd fooj.k - 2021-22 pkVZ 1.3: 10 o"khZ; th&lsd ifj.kke ¼çfr’kr½ vkadM+ksa dk lzksr % vkjchvkbZ fjiksVZ 1.3.2 Qjojh dh nwljh Nekgh vkSj ekpZ 2022 dh 'kq#vkr esa ;wØsu&:l ruko ds dkj.k ?kjsyw bfDoVh esa rst d‚iksZjsV ckaM cktkj fcØh ns[kh xbZ] ysfdu blesa ekpZ dh nwljh Nekgh vkjchvkbZ vçSy 2022 dh ,eihlh fjiksVZ ds vuqlkj] esa lq/kkj gqvk dqy feykdj] ch,lbZ lsalsDl Nekgh 2021&22 dh Nekgh 2 ds nkSjku] d‚iksZjsV ckaM 2 esa 0-9 Qhlnh dh fxjkoV ds lkFk 58]569 ij can çfrQy uje cus jgs A ,uch,Qlh }kjk tkjh fd, gqvk A mPp d‚iksZjsV vk; ds lkFk LV‚d dh dherksa x,A jsVsM 3 o"khZ; ckaM ij çfrQy 66 chih,l esa lq/kkj ewY; ls vk; vuqikr dh vksj ys tkrk gS ls ?kVdj 5-98 çfr'kr gks x;k] tcfd d‚iksZjsV tks fd ekpZ 2022 ds var esa 27-6 ls ?kVdj 25-1 gks vkSj lkoZtfud {ks= ds miØeksa ¼ih,l;w½] foÙkh; x;k] ftlus blds nh?kZdkfyd vkSlr ls ewY;kadu laLFkkuks ¼,QvkbZ½ vkSj cSadksa ij 64 chih,l ls 5-88 çhfe;e dks de dj fn;k A çfr”kr vkSj 51 chih,l ls 5-84 çfr”kr] Øe”k% 1.4 oSf’od isa’ku cktkjksa dh leh{kk rd dh fxjkoV vkbZ A tksf[ke çhfe;e ;k 3 lky ds th&lsd çfrQy esa ,uch,Qlh ds fy, ,p 1.4.1 o"kZ 2021 esa vksbZlhMh {ks= esa isa’ku 2 esa 49 chih,l ls 37 chih,l] ih,l;w] ,QvkbZ fuf/k vkfLr;ka vkSj cSadksa ds fy, 50 chih,l ls 23 chih,l vkSj dksiksZjsVl ds fy, 40 chih,l ls 26 chih,l rd vksbZlhMh fjiksVZ ds vuqlkj] vksbZlhMh {ks= esa isa'ku fxjkoV vkbZ gSA fuf/k;ksa esa vkfLr;ka 8 izfr”kr vkSj vU; U;k;{ks=ksa esa yxHkx 2 izfr”kr ls c<+h A 1.3.3 bfDoVh cktkj dksfoM&19 ds nwljs o"kZ] isa'ku fuf/k dh laifÙk o”kZ 2021&22 esa nwljh Nekgh ds nkSjku rst+&rjkZj yxHkx lHkh fjiksfVaZx {ks=kf/kdkjksa esa c<+rh ekSfæd uhfr] dksfoM&19 ds vksfeØ‚u laLdj.k ] dPps jgh A o"kZ 2021 ds çkjfEHkd vkadM+ksa ls irk pyrk rsy dh dherksa] oSf'od dsUæh; cSadksa ds uhfrxr #[k gS fd ftEckCos ¼200 izfr”kr ls vf/kd½] t‚ftZ;k vkSj c<+rs Hkw&jktuhfrd rukoksa ds çdksi ls mRiUu ¼69-6 izfr”kr½] rqdhZ ¼41-2 izfr”kr½] fyFkqvkfu;k mPp vfLFkjrk ds chp Hkkjr ds bfDoVh cktkjksa dks ¼31-5 izfr”kr½ vkSj vkesZfu;k ¼30-7 izfr”kr½ esa ekewyh :i ls Bhd fd;k x;k A laifÙk esa o`f) lcls vf/kd FkhA blds foijhr 68 fjiksfVaZx U;k;{ks=ksa esa ls 4 esa laifÙk esa fxjkoV ntZ dh] ftuesa fpyh ¼&4-5 izfr”kr½ vkSj is: ¼&19-1 25Hkkx&I pkVZ 1.4: fu¶Vh xfr vkadM+ksa dk lzksr % ch,lbZ osclkbV izfr”kr½ 'kkfey gS] tgk¡ dksfoM&19 ds nkSjku yksxksa bu lkr ns'kksa ds ikl dqy feykdj vksbZlhMh {ks= esa dk leFkZu djus ds fy, 2021 esa O;fäxr [kkrksa ls isa'ku fuf/k dh 92-4 izfr”kr laifÙk gS A 'kh?kz fudklh dh vuqefr nh xbZ Fkh vkSj ,LVksfu;k isa'ku fuf/k ifjlaifÙk;ka lHkh {ks=kf/kdkjksa esa cM+h ¼&15-5 izfr”kr½ }kjk nwljs isa'ku LrEHk dk vuqlj.k fHkUurk,a n'kkZrh gSaA dqy feykdj] vksbZlhMh {ks= esa fd;k x;kA dqy feykdj] dqy vksbZlhMh {ks= esa isa’ku isa'ku fuf/k laifÙk o"kZ 2021 ds var esa lHkh vksbZlhMh fuf/k dh laifÙk ;w,lMh 8-2 izfr”kr ls c<+h] tcfd ns'kksa ds ldy ?kjsyw mRikn dk 66-9 izfr”kr Fkh] tks 30 vU; xSj&vksbZlhMh fjiksfVaZx {ks=kf/kdkjksa esa os 1-7 fd 2020 ds var dh rqyuk esa vf/kd gSA izfr”kr ls c<+h A isa'ku fuf/k ifjlaifÙk;ksa esa ekewyh o`f) vkaf'kd :i dqy feykdj] 2021 ds var esa 68 fjiksfVaZx U;kf;d ls fuos’k vk; ls vkbZ gS] tks isa'ku fuf/k 2021 {ks=ksa esa isa'ku fuf/k dh laifÙk 38-5 fVªfy;u vesfjdh esa vftZr djus esa dke;kc jghA o"kZ 2021 esa] isa'ku M‚yj Fkh buesa ls vf/kdka'k laifÙk;ka vksbZlhMh esa fuf/k us lHkh fjiksfVaZx {ks=kf/kdkjksa esa ukeek= 'krksaZ isa'ku fuf/k;ksa ds ikl Fkh] tks dqy 37-7 fVªfy;u esa] gkaxdkax ¼phu½ dks NksM+dj ldkjkRed fuos'k vesfjdh M‚yj Fkh A la;qä jkT; vesfjdk us isa'ku nj ntZ dh ¼fuos'k O;; dk 'kq)½A 53 fjiksfVaZx fuf/k ¼;w,lMh 22-6 fVªfy;u½ esa lcls vf/kd laifÙk {ks=kf/kdkjksa esa ls 17 esa ukfeuy fjVuZ 10 izfr”kr ls vius uke dh] blds ckn ;wukbVsM fdaxMe ¼;w,lMh vf/kd Fkk] vkSj fyFkqvkfu;k ¼20-7 izfr”kr½] iksySaM 3-6 fVªfy;u½] v‚LVªsfy;k ¼;w,lMh 2-3 fVªfy;u½] ¼25-2 izfr”kr½ vkSj rqdhZ ¼25-2 izfr”kr½ esa 20 izfr”kr uhnjySaM~l ¼;w,lMh 2-0 fVªfy;u½] dukMk ¼;w,lMh ls Hkh Åij FkkA 1-7 fVªfy;u½] tkiku ¼;w,lMh 1-5 fVªfy;u½ vkSj fLoV~tjySaM ¼;w,lMh 1-2 fVªfy;u½ dk LFkku jgkA 26okf"kZd fooj.k - 2021-22 pkVZ 1.5: % fnlEcj 2020 ls fnlEcj 2021 ¼çkjfEHkd½ rd isa’ku fuf/k;ksa dh ukfeuy vkSj okLrfod fuos’k C;kt nj vkadM+s lzksr % vksbZlhMh fjiksVZ isa'ku fuf/k;ksa us 27 vksbZlhMh fjiksfVaZx ns'kksa esa ls ¼ftEckCos vkSj lwjhuke esa 60-7 izfr”kr vkSj ?kkuk esa 18 esa okLrfod :i esa ldkjkRed fuos'k nj ntZ 12-6 izfr”kr½ A vksbZlhMh {ks= esa] isa'ku fuf/k us rqdhZ dhA o"kZ 2021 esa pkj vksbZlhMh ns'kksa % iksySaM ¼15-2 esa lcls de fuos'k fjVuZ nj ¼&9-7 izfr”kr½ ntZ dh] izfr”kr½] fQuySaM ¼12-3 izfr”kr½] v‚LVªsfy;k ¼11-1 tgk¡ eqækLQhfr 36-1 izfr”kr rd igq¡p xbZA izfr”kr½ vkSj dksLVk fjdk ¼10-0 izfr”kr½ okLrfod 1.4.2 o"kZ 2021 esa bfDoVh fuos’k :i ls nksgjs vadksa esa fjVuZ çkIr djus esa dke;kc jgsA bu pkj ns'kksa esa ;g etcwr çn'kZu de eqækLQhfr vksbZlhMh fjiksVZ ds vuqlkj] isa'ku fuf/k;ksa us lHkh ¼v‚LVªsfy;k] dksLVk fjdk vkSj fQuySaM ds fy, 3-3 fjiksfVaZx vksbZlhMh vkSj xSj&vksbZlhMh U;k;{ks=ksa esa izfr”kr vkSj 3-8 izfr”kr ds chp½ ;k vU; txgksa dh iksVZQksfy;ks dk vkSlru 47-9 izfr”kr ckaM esa vkSj rqyuk esa bfDoVh esa fuos'k dh xbZ laifÙk ds mPp 26-1 izfr”kr bfDoVh esa j[kk A gkykafd] pkVZ 1-6 vuqikr ds dkj.k gks ldrk gSA blds foijhr] 26 n’kkZrk gS fd fHkUu&fHkUu U;k;{ks=ksa esa vkfLr feJ.k vU; xSj&vksbZlhMh fjiksfVaZx {ks=kf/kdkjksa esa ls dsoy fHkUu gS A 11 esa isa'ku fuf/k;ksa us ldkjkRed fuos'k nj ntZ dhA okLrfod :i ls lcls de fuos'k fjVuZ nj gkykafd pkVZ 1-6 fn[kkrk gS fd vkfLr feJ.k ftEckCos ¼&31-8 izfr”kr½] lwjhuke ¼&26-5 izfr”kr½] {ks=kfèkdkj esa O;kid :i ls fHkUu gSA ?kkuk ¼&9-8 izfr”kr½ esa ntZ dh xbZ] tgk¡ eqækLQhfr Hkh lHkh fjiksfVaZx {ks=kf/kdkjksa esa lcls vf/kd Fkh 27Hkkx&I pkVZ 1.6: o"kZ 2021 ¼çkjfEHkd½ ds var esa p;fur fuos’k Jsf.k;ksa esa isa’ku fuf/k;ksa dk vkfLr vkoaVu vkadM+ksa dk lzksr % ch,lbZ osclkbV d- p;fur vksbZlhMh ns’k [k- vU; p;fur U;k;{ks= lkekU;rkSj ij c‚UM] isa'ku fuf/k iksVZQksfy;ks ds ¼63-3 izfr”kr½ vkSj ukehfc;k ¼51-5 izfr”kr½ esa vU; çeq[k gksfYMaXl esa ls ,d gS] 29 fjiksfVaZx {ks=kf/kdkjksa vf/kdkj {ks= esaA esa 50 izfr”kr ls vf/kd fuos'k dk dkj.k gS] vkSj ;gk¡ rd fd vYcsfu;k ¼91-5 izfr”kr½ ekynho ¼93-2½ vkSj 1.5 ctV 2022&23 esa isa’ku {ks= esa çeq[k ?kks"k.kk,a m#Xos ¼93-1 izfr”kr½ esa 90 izfr”kr ls Hkh vf/kd gSA fQj Hkh] isa'ku fuf/k us v‚LVªsfy;k] dukMk] uhnjySaM] ctV 2022&23 esa isa'ku {ks= ls lEcaf/kr ?kks"k.kk dh fLoVtjySaM vkSj la;qä jk"Vª vesfjdk lfgr 18 xbZ % U;k;{ks=ksa esa c‚UM dh rqyuk esa viuh laifÙk dk ,d cM+k Hkkx bfDoVh esa fuos'k fd;kA isa'ku fuf/k orZeku esa dsaæ ljdkj] jk"Vªh; isa'ku ç.kkyh us Ng fjiksfVaZx U;k;{ks=ksa esa bfDoVh esa viuh laifÙk ¼,uih,l½ fV;j&A esa vius deZpkjh ds osru dk 14 dk 50 izfr”kr ls vf/kd fuos'k fd;k % iksySaM ¼82-1 çfr'kr va'knku djrh gS A ;g deZpkjh dh vk; izfr”kr½] tgk¡ Lora= isa'ku fuf/k dks ljdkjh ckaM~l dh x.kuk ds nkSjku dVkSrh ds :i esa Loh—r gS A esa fuos'k djus dh vuqefr ugha gS] fyFkqvkfu;k ¼74- gkykafd] jkT; ljdkj ds deZpkfj;ksa ds ekeys esa 6 izfr”kr½] ,LVksfu;k ¼59-7 izfr”kr½ vkSj vkblySaM dsoy 10 çfr'kr dh dVkSrh dh vuqefr gSA dsUæ ¼51-1 izfr”kr½ vksbZlhMh ns'kksa esa] vkSj gkaxdkax ¼phu½ vkSj jkT; ljdkj nksuksa ds deZpkfj;ksa dks leku ykHk 28okf"kZd fooj.k - 2021-22 çnku djus ds fy, jkT; ljdkj ds deZpkfj;ksa ds 1.7 Hkkjrh; isa’ku ifjn`’; ,uih,l [kkrs esa Hkh fu;ksäk va'knku ij dVkSrh dh Hkkjrh; isa”ku iz.kkyh esa og xSj&va”knk;h lkekftd lhek dks 10 çfr'kr ls c<+kdj 14 çfr'kr djus dk lqj{kk isa”ku ;kstuk, “kkfey gSaa] tks fd ljdkj }kjk çLrko fd;k x;k gSA blls jkT; ljdkj deZpkfj;ksa U;wure lqj{kk Lrj iznku djus ds fy, foÙk iksf’kRk ds lkekftd lqj{kk ykHkksa esa o`f) gksxh vkSj mUgsa gSa tSls us”kuy lks”ky vflLVsal izksxzke ¼,u,l,ih½] dsUæ ljdkj deZpkfj;ksa ds leku yk;k tk ldsxkA is ,t+ ;w xks vk/kkj ij vfuok;Z ifjHkkf’kr ykHk isa”ku ;kstuk tSls 2004 ls iwoZ lsok esa “kkfey gksus okys 1.6 Hkkjrh; tulkaf[;dh vkSj o`)koLFkk deZpkfj;ksa ds fy, flfoy lfoZlst is”ku] bZih,Qvks vk; lqj{kk ds rgr deZpkjh Hkfo’; fuf/k ¼bZih,Q½ vkSj deZpkjh isa”ku ;kstuk] vU; lkafof/kd fuf/k;ka tSls dksy Ck<+rh vkSj vleFkZuh; isa”ku nsunkfj;ksa ds dkj.k] ekbUl] lhesUl ,aM vle Vh IykaVs”ku Ldhel% oSf”od izFkkvksa dks /;ku esa j[krs gq, vkSj bl eqn~ns 1 tuojh 2004 dks ;k mlds ckn dsanz ljdkj ij xgu fopkj&foe”kksZa ds ckn] ljdkj us ifjHkkf’kr dh lsokvksa esa “kkfey gksus okys deZpkfj;ksa ds fy, ykHk isa”ku ;kstuk ls ifjHkkf’kr va”knku isa”ku ;kstuk vfuok;Z vk/kkj ij us”kuy isa”ku iz.kkyh ¼,uih,l½] esa LFkkukarfjr gksdj ,d lpsru fu.kZ; fy;k gSA ubZ mu jkT; ljdkjksa ds deZpkfj;ksa ds fy, tks ,uih,l isa”ku ;kstuk] dks vc jk’Vªh; isa”ku iz.kkyh ¼,uih,l½ esa “kkfey gq, gSa] lHkh ukxfjdksa ds fy, LoSfPNd ds uke ls tkuk tkrk gS] bls ljdkj }kjk vf/klwpuk vk/kkj ij ,uih,l ftuesa vlaxfBr {ks= lfgr la[;k 5/7/2003-ECB & PR fnukad 22 fnlacj nksauks deZpkjh rFkk Lo&fu;ksftr O;fDr “kkfey gS] 2003 ds ek/;e ls “kq: fd;k x;k Fkk vkSj 1 tuojh chek daifu;ksa vkSj E;qP;qvy QaMl }kjk is”k dh 2004 ls dsanz ljdkj deZpkfj;ksa ¼l”kL= cyksa dks tkus okyh lkoZtfud Hkfo’; fuf/k] lsokfuo`fÙk vkSj NksM+dj½ ds fy, vfuok;Z fd;k x;kA vf/kof’kZrk ;kstuk,a A ,uih,l] ftls “kq:vkr esa dsanz ljdkj vfHknkrkvksa ifjHkkf’kRk ykHk isa”ku iz.kkyh dk foÙkh; ncko ds fy, “kq: fd;k x;k Fkk] if”pe caxky dks ljdkjh deZpkfj;ksa ds fy, isa”ku lq/kkj dk vkSj NksM+dj lHkh jkT; ljdkjksa }kjk vkSj vf/kdka”k dsanz ljdkjh deZpkfj;ksa ds fy, ,uih,l dh “kq:vkr dk izeq[k dkj.k gSA bZih,Q ¼fo”ks’k :i ls laxfBr rFkk jkT; Lok;Rr fudk;ksa }kjk viuk;k x;k gSA {ks= deZpkfj;ksa ds fy,½ tSlh vfuok;Z ;kstuk] ds ,uih,l dks ebZ 2009 esa futh vkSj vlaxfBr {ks= ek/;e ls foÙkh; vkSj O;ogkfjd dfBukbZ;ksa ds dkj.k ds deZpkfj;ksa ds fy, Hkh LoSfPNd vk/kkj ij “kq: vlaxfBr {ks= ds fy, dojst+ c<+kus ds fy, LoSfPNd fd;k x;k A lsokfuo`fÙk cpr dks Hkkjr esa isa”ku izko/kku dks c<+kus Hkkjr ljdkj us viuh vf/klwpuk fnukad 31 tuojh ds fy, ,d izeq[k uhfrxr mik; ds :i esa ns[kk tkrk gSA vlaxfBr {ks= deZpkfj;ksa dks isa”ku iz.kkyh 2019 ds ek/;e ls dsanz ljdkj deZpkfj;ksa ds ,uih,l ds rgr vf/kd la[;k esa “kkfey djus ds fy, izeq[k [kkrs esa fnukad 1 vizSy 2019 ls va”knku dks 10 uhfrxr mik; ds :Ik esa ,uih,l dh “kq:vkr dh izfr”kr ls c<+kdj 14 izfr”kr dj fn;k A vf/klwpuk xbZ gS] tks fd foÙkh; :Ik ls vkRefuHkZj] de ykxr ds vuqlkj] deZpkjh }kjk Hkqxrku fd;k tkus okyk okyh vkSj izHkkoh iz.kkyh gSA ekfld va”knku ewy osru tek egaxkbZ HkRrs ¼Mh,½ dk 10 izfr”kr gksxk vkSj dsanz ljdkj }kjk ewy osru vlaxfBr {ks= ls yksxksa dks mudh o`)koLFkk vk; ds tek egaxkbZ HkRrs dk 14 izfr”kr gksxkA** dsanz ljdkj fy, cpr djus gsrq izksRlkfgr djus ds fy, ljdkj deZpkfj;ksa dks ,uih,l va”knku ds xSj@foyafcr us flracj 2010 esa lg&va”knku ;kstuk ,uih,l tek jkf”k ds fy, eqvkots lfgr isa”ku fuf/k;ksa vkSj ykbV@Lokcyacu ;kstuk “kq: dh gS A blds ckn] fuos”k izk:i ds p;u esa vf/kd Lora=rk nh xbZ gS A iz/kkuea=h }kjk vVy isa”ku ;kstuk ¼,ihokbZ½ dh “kq:vkr dh xbZ vkSj vlaxfBr {ks= ij dsafnzr ;g 29Hkkx&I ;kstuk 1 twu] 2015 ls izHkkoh gqbZA ,ihokbZ ds rgr tks fd muds }kjk p;fur va”knku Lrj ij fuHkZj vfHknkrk ljdkj }kjk :-1000] :-2000] :-3000] gksxhA ,uih,l ds rgr vfHknkrkvksa vkSj izca/ku ds :-4000 ;k :-5000 dh xkjaVh;qDr isa”ku izkIr djsxk] v/khu ifjlaifÙk fuEu rkfydk esa nh xbZ gS % rkfydk la[;k 1.1: ,uih,l ,ihokbZ ds rgr vfHknkrkvksa dh la[;k (31] ekpZ 2022 rd ds vuqlkj) {ks= vfHknkrkvksa dh vfHknkrkvksa dh o`f) Hkkx la[;k ¼yk[k esa½ la[;k ¼yk[k esa½ ¼çfr’kr esa½ ¼çfr’kr½ ¼31] ekpZ 2021 ¼31] ekpZ 2022 rd ds vuqlkj½ rd ds vuqlkj½ ¼o"kZ nj o"kZ½ ¼çfr'kr esa½ 21.76 22.84 5 4 ¼o"kZ nj o"kZ½ 51.41 55.77 8 11 ¼çfr'kr½ 11.25 14.05 25 3 loZ ukxfjd 16.47 22.92 39 4 ,uih,l ykbV 43.02 41.87 - 8 ,ihokbZ 280.49 362.77 29 70 dqy ;ksx 424.40 520.21 23 100 31] ekpZ 2022 rd ds vuqlkj] dqy 520-21 yk[k ekpZ 2022 ds var rd ds vuqlkj] 414 cSad ,ihokbZ vfHknkrk ,uih,l vkSj ,ihokbZ ds rgr ukekafdr lsok çnkrk ds :i esa iath—r gSa] ftuesa lkoZtfud gq, vkSj o"kZ nj o"kZ vk/kkj ij 22-58 çfr'kr dh {ks= cSad] futh cSad] fons'kh cSad] {ks=h; xzkeh.k cSad] o`f) ntZ dh gSA ,ihokbZ] ,d ifjHkkf"kr va'knku ftyk okf.kfT;d cSad vuqlwph okf.kfT;d cSad] 'kgjh isa'ku ;kstuk gS] mlesa 31 ekpZ] 2022 rd ds vuqlkj okf.kfT;d cSad] Hkqxrku cSad] y?kq foÙkh; cSad vkSj 29-33 çfr'kr dh o"kZ nj o"kZ o`f) lfgr 362-77 Mkd foHkkx 'kkfey gSa A yk[k vfHknkrk FksA 30okf"kZd fooj.k - 2021-22 rkfydk la[;k 1.2: ,uih,l@,ihokbZ ds rgr çca/ku ds v/khu vkfLr;ka (31] ekpZ 2022 rd ds vuqlkj) {ks= vfHknkrkvksa dh vfHknkrkvksa dh o`f) Hkkx la[;k ¼yk[k esa½ la[;k ¼yk[k esa½ ¼çfr’kr esa½ ¼çfr’kr½ ¼31] ekpZ 2021 ¼31] ekpZ 2022 rd ¼o"kZ nj o"kZ½ rd ds vuqlkj½ ds vuqlkj½ dsUnz ljdkj 1,81,788 2,18,577 20 30 jkT; ljdkj 2,91,381 3,69,427 27 50 dkWiksZjsV 62,609 90,634 45 12 loZ ukxfjd 22,206 32,346 46 4 ,uih,l ykbV 4,354 4,687 8 1 ,ihokbZ 15,687 20,923 33 3 dqy ;ksx 5,78,025 7,36,594 27 100 rkfydk la[;k 1.3: foÙk o"kZ 2021&22 ds nkSjku jk"Vªh; isa’ku ç.kkyh@vVy isa’ku ;kstuk ds çn’kZu gkbZykbV~l (la[;k esa) ekid foÙk o"kZ 2020&21 foÙk o"kZ 2021&22 fodkl ds var esa ds var esa ¼izfr’kr esa½ ljdkjh vfHknkrk 73,16,350 78,60,657 7 loZ ukxfjd + dkWiksZjsV vfHknkrk 27,71,936 36,96,583 33 ,ihokbZ vfHknkrk 2,80,49,151 3,62,76,704 29 ihvksih&,lih dh la[;k # 2,47,254 2,49,756 1 ,ihokbZ& ,lih 414 414 - lh,cht+ dh la[;k 630 651 3 ,l,cht+ dh la[;k 1,459 1,578 8 dkWiksZjsV dh la[;k 8,599 10,405 21 izf”kf{kr vf/kdkfj;ksa dh la[;k ¼foÙk o’kZ 12,024 40,826 240 vuqlkj½ * ghjks ekbaM&ekbu baLVhV;wV izkbosV fyfeVsM }kjk bUØhesaVy vk;ksftr fd;k x;kA # vkadM+ksa eas ,u,lMh,y ds ihvksih&,liht+ dh jkT;kuqlkj lokZf/kd la[;k dks ekuk x;k gSA vU; izLrqr vkadM+s lhvkj,Tk+ ds lkFk iathÑr gSA 31Hkkx&I x iwoZ o"kZ ds fy, ,ihokbZ esa lsok çnkrkvksa dh [kkrk [kksyus vkSj fV;j A ds lkFk&lkFk fV;j AA la[;k 414 Fkh A [kkrk [kksyus dh lqfo/kk iznku djrk gS A ;g xq.k vfHknkrkvksa dks isa”ku vkfLr;ka] vkfLr oxZ] vkfLr x dsaæ Lok;Ùk fudk; ¼lh,ch½ lfgr dsaæ vkoaVu vkSj izek.khdj.k ds Ik”pkr~ ;kstuk fodYi ljdkjksa ds lHkh deZpkjh vkSj jkT; Lok;Ùk fudk;ksa ¼,l,ch½ lfgr jkT; ljdkjksa ds lHkh ifjofrZr djus dk fodYi Hkh iznku djrk gSA deZpkjh] ftUgksaus ,uih,l dks viuk;k gS] ,uih,l vfHknkrk vius ykWxbu lwpukvksa dk iz;ksx ,uih,l ds rgr vfuok;Z :i ls doj fd, djrs gq, vkSj iathÑr eksckby uacj ij vksVhih tk,axsA bl o"kZ 21 u, lh,ch vkSj 119 u, izek.khdj.k djrs gq, fV;jAA [kkrs ls fudkl vuqjks/k ,l,ch ,uih,l esa 'kkfey fd;s x,] ftlds dj ldrs gSaA ifj.kkeLo#i lh,ch vkSj ,l,ch dh la[;k 651 vkSj 1578 Øe'k% gks xbZ A vkWuykbu izku tsujs”ku ekWM;wy ¼vksihth,e½ dks fgrèkkjdksa dks ,uih,l vfHknkrkvksa gsrq U;wure x d‚iksZjsV {ks= vius deZpkfj;ksa dks vfuok;Z ;k nLrkost+ksa ds lkFk “kh?kz izku tsujs”ku ds fy, l{ke LoSfPNd vk/kkj ij ,uih,l çnku djrk gS cuk;k tkrk gSA gkykafd] ,sls [kkrs rc rd vfu;fer I lhvkj, dh fjiksVZ ds vuqlkj ekpZ 2021 ds le>s tk,axs tc rd fd dsanzh; vfHkys[kiky var esa 8599 d‚iksZjsV dh rqyuk esa ekpZ 2022 vfHkdj.kksa ds lkFk iw.kZ nLrkost+hdj.k lR;kfir ds var esa 10405 d‚iksZjsV iath—r gq, gSa] vkSj fjdkWMZ ugha gks tkrk A ih,QvkjMh, ds lkFk ftlesa 21 çfr'kr dh o`f) gqbZ gS A iathÑr e/;LFk bdkbZ;ksa dks vkWucksfMZax] fudkl ;k ,ihokbZ ds fy, dj ykHk vkSj xkjaVh ds :i esa bu ,uih,l ls lacaf/kr fdlh vU; lsok vuqjks/k ds fy, ;kstukvksa dks ljdkjh lgk;rk ls bu ;kstukvksa ohfM;ks vk/kkfjr dLVej vkbZMsaMhfQds”ku izfØ;k dh vihy c<+ tkrh gS A gkykafd] ns”k dh vuko`r ¼ohlhvkbZih½ dk iz;ksx gks ldrk gSA tula[;k dks /;ku esa j[krs gq, vHkh Hkh dkQh dk;Z fd;k tkuk “ks’k gS A lHkh ukxfjdksa ds fy, ,uih,l ,uih,l vfHknkrkvksa dks muds lacaf/kr uksMy dh igqap c<+kus esa lcls cM+h pqukSrh laHkkoh vfHknkrkvksa dk;kZy;ksa] ihvksiht+] bZ&,uih,l ;k eksckby ,i ds ds chp tkx:drk vkSj foÙkh; lk{kjrk dks c<+kuk ek/;e ls muds LoSfPNd va”knkuksa dks tek djus gSA ih,QvkjMh, fofHkUu ekl ehfM;k vkSj {keRkk ds dbZ ljy fodYi iznku fd, tkrs gSa A va”knku mRiknu dk;ZØeksa ds ek/;e ls tkx:drk c<+kus ds ,d vfrfjDr fodYi@rjhds uker% izR;{k isz’k.k ds fy, fofHkUu dne mBk jgk gSA blds vfrfjDr] ¼Mk;jsDV jsfeVsaLk ¼Mh&jsfeV½ dh “kq:vkr dh xbZ] ,uih,l tkx:drk ds izlkj dks lqfuf”pr djus tgk¡ ljdkjh@loZ ukxfjd ekWMy ds rgr ekStwnk ds fy, ih,QvkjMh, lsokiznkrkvksa ds vf/kdkfj;ksa ,uih,l vfHknkrk muds izku ls okLrfod vkbZMh dks izf”k{k.k iznku djus vkSj {kerksRiknu dk;ZØe fyad djrs gq, vkSj fuos”k ij leku fnol ,u,oh ds fy, lefiZr vfHkdj.k dks layXu djrs gq, izpkj iznku djrs gq, LoSfPNd va”knku dj ldrs gSa A vkSj fodklkRed fØ;kdykiksa dks dj jgk gSA Mh&jsfeV ds ek/;e ls] u dsoy ,d ckj dk va”knku fd;k tk ldrk gS CkfYd fdlh Hkh fuf”pr jkf”k vkSj laHkkoh vfHknkrkvksa vkSj lsok iznkrkvksa ds fy, fdlh fuf”pr frfFk ds fy, vfHknkrk ds cSad [kkrs ls ,uih,l dh igqap c<+kus ds fy,] ih,QvkjMh, vkof/kd ,uih,l va”knku Hkh fd;k tk ldrk gS A viuh ewY; Ja`[kyk esa pkgs og bZ&,uih,l] eksckby Mh-jsfeV ds ek/;e ls ,uih,l va”knku dk fodYi ,i] bZ&dsokbZlh ds ek/;e ls gks rduhd dks c<+k ,uvkjvkbZ&,uih,l vfHknkrkvksa ds fy, Hkh “kq: jgk gSA ;g pSuy izHkko”khyrk mRiUu dj jgs gSaA fd;k x;k gS] tks fd vius ,uvkjvks@,uvkjbZ [kkrksa bZ&,uih,l ds ek/;e ls] ,d O;fDr lqfo/kktud ls /kujkf”k vius ,uih,l [kkrs esa va”knku dj ldsaxsA :i ls vkWuykbu iathdj.k vkSj va”knku dj ldrk izR;kgj.k@fudkl ds le;] ,uih,l dh /kujkf”k gSA bZ&,uih,l ,uih,l ds rgr O;fDrxr isa”ku ,uvkjvkbZ vfHknkrkvksa ds ,uvkjvks@,uvkjbZ [kkrs 32okf"kZd fooj.k - 2021-22 esa tek dh tk,xh vkSj izR;korZu Qsek fn”kkfunsZ”kksa cSad] Mkd?kjksa] mifLFkfr vfLrRoksa] uksMy dk;kZy;ksa ds vuqlkj gksxkA vkfn ds vf/kdkfj;ksa ds izf”k{k.k ,oa {kerksRiknu gsrq izf”k{k.k vfHkdj.k dh fu;qfDr] lsokfuo`fÙk lykgdkjksa 1.8 o"kZ ds nkSjku ih,QvkjMh, ds y{;ksa dh vkfn dh fu;qfDr] bZ&,uih,l vkfn ds ek/;e ls leh{kk ij ,d fVIIk.kh vkWucksfMZax vkSj ysunsu dh lqfo/kk iznku djrs gq, dojst c<+kus eas layXu gSA Ikh,QvkjMh, vf/kfu;e 2013 dh izLrkouk] fofu;eu vkSj fodkl ds ek/;e ls o`)kOkLFkk vk; lqj{kk dks lqj{kk c<+kok nsus ds :i esa izkf/kdj.k ds mn~ns”;ksa dks fu/kkZfjr djrh gS vkSj isa”ku fuf/k dh ;kstukvksa vkSj ih,QvkjMh, us ih,QvkjMh, vf/kfu;e 2013 ds muls lacaf/kr ekeyksa esa vfHknkrkvksa ds fgrksa dh rgr fofu;eksa ds ,d O;kid <kaps dk fuekZ.k fd;k lqj{kk lqfuf”pr djrh gS A gS rkfd lsokfuo`fÙk ykHkksa dks iznku djus ds fy, lafpr isa”ku fuf/k;ksa ds tksf[keksa dks U;wure djus ds ih,QvkjMh, lfØ; :i ls jk’Vªh; isa”ku iz.kkyh fy, isa”ku ifjlaifÙk;ksa dh lqj{kk dks lqfuf”pr fd;k ¼mlds lHkh izdkjksa½ rFkk vVy isa”ku ;kstuk ds izpkj tk lds A bu fofu;eksa esa lHkh e/;LFkksa] ftuesa isa”ku rFkk fodkl ,oe~ ,uih,l ds varxZr lHkh e/;LFkksa fuf/k Hkh “kkfey gSa] ds fy, fu;qfDr ds izeq[k ekunaM] ds fofu;eu rFkk fujh{k.k vkSj o`)koLFkk vk; lqj{kk foLr`r dksiksZjsV “kklu :ijs[kk] ;ksX; rFkk mi;qDr izko/kku ds laiw.kZ y{; dks izkIr djus rFkk vfHknkrkvksa iz.kkyh] O;kid vkpkj lafgrk] foLr`r Hkwfedk,a rFkk ds fgrksa dh j{kk esa dk;Zjr gSA bu fØ;kdykiksa esa nkf;Ro vkSj naM iz.kkyh dks laifÙk;ksa dh lqj{kkvksa dks layXu jgus ds nkSjku] ih,QvkjMh, vf/kfu;e 2013 lqfuf”pr djus gsrq lfEefyr fd;k gSA bu fofu;eksa dh izLrkouk vkSj csgrj oSf”od iz;klksa dks /;ku esa dh le;&le; ij leh{kk dh tkrh gS vkSj lqn`<+ j[krs gq,] ih,QvkjMh, fuEufyf[kr O;kid y{;ksa@ cuk;k tkrk gS A vkbZVh Ik;Zos{k.k izfØ;kvksa dks ifj.kkeksa dh izkfIr djus ds fy, dk;Zjr gS%& etcwr cukus ds fy, ih,QvkjMh, lkbcj lqj{kk ds fØ;kUo;u ij /;ku dsafnzr dj jgk gS rFkk dojst x vko`fÙk {ks= c<+kuk dks lqfuf”pr djsxkA x lqj{kk izHkko’khyrk x izHkko”khyrk x Ik;kZIrrk izkf/kdj.k dk iz;kl Lohdk;Z tksf[keksa ds v/khu vfHknkrkvkssa dks vf/kdre fjVUkZ iznku djrs gq, x fLFkjrk iz.kkyh dks izHkkoh cukuk gSA ;g fjVULkZ dks vuqdwy vko`fÙk {ks= c<+kuk cukus ds fy, le;&le; ij fuos”k fn”kkfunsZ”kksa dh leh{kk djrs gq, fd;k tkrk gS A nks ubZ thoupØ laiw.kZ tula[;k ds fy, o`)koLFkk vk; lqj{kk fuf/k;ksa vFkkZr~ ,ylh 25 vkSj ,ylh 75 dh “kq:vkr izko/kku izkf/kdj.k ds izeq[k y{;ksa esa ls ,d gSA tgk¡] vkSj futh {ks= vfHknkrkvksa ds fy, u, vkfLr oxZ ih,QvkjMh, vf/kfu;e 2013 ,uih,l ds fofu;eu ^^,** dh “kq:vkr bl fn”kk esa mBk, x, dqN dneksa dk vkns”k nsrk gS] ogha vkcknh ds fofHkUUk Hkkxksa dks esa ls gSA “kkfey djus ds fy, ,uih,l ds fofHkUu ?kVdksa vFkkZr~ dsanz ljdkj] jkT; ljdkj] loZ ukxfjd] izHkko”khyrk] Jfed vkSj iwath ckt+kjksa dh izHkko”khyrk ,uih,l ykbV] vVy isa”ku ;kstuk ¼ih,QvkjMh, ls Hkh lacaf/kr gS] D;ksafd bu nksuksa }kjk isa”ku ds fy, }kjk iz”kkflr Hkkjr ljdkj dh ;kstuk½ dh “kq:vkr izR;{k ;ksxnku ds ek/;e ls lkFk gh lkFk ukSdjh vkSj dh xbZ gSA izkf/kdj.k] fizUV] bysDVªkfud vkSj lks”ky fuos”k ds fy, vizR;{k :i ls ;ksxnku nsrs gq, isa”ku ehfM;k ds ek/;e ls tu tkx:drk mRiUu djrs gq,] iz.kkyh ¼vf/kd dk;Zjr thou rFkk va”knku] iawth 33Hkkx&I dh U;wu dherksa] ;k vf/kd foÙkh; lekos”kksa }kjk½ ds izeq[k dkj.k gksrk gSA ,uih,l ds ek/;e ls] ns”kHkj fy, dk;Z fd;k tkrk gSA ih,QvkjMh, fo”ks’k :Ik esa lekt ds fofHkUu Hkkxksa esa isa”ku dh is”kd”k djus ls ,ihokbZ vfHknkrkvksa vkSj lkekU; :Ik ls ,uih,l dk iz;kl fd;k tk jgk gS] tks o`)koLFkk vk; vfHknkrkvksa ds fy, tkx:drk fuekZ.k }kjk foÙkh; lqj{kk iznku djus ds izeq[k y{; dks izkIr djus ds lekos”ku esa lfØ; :Ik ls dk;Zjr gSA fy, nh?kZdky rd py lds A ,uih,l laLFkkfud <k¡ps vkSj mRikn ifjdYiuk ds lkFk ,d ifjHkkf’kr iwath ckt+kjksa ds fy,] izHkko”khyrk xSj&CkSafdax foÙkh; va”knku ;kstuk gS] tks nh?kZdky rd pyus ds fy, iwath ls fuf/k mRiknd fuos”k iawth esa fodkl ds Lo;a dks l”kDr cukrh gSA LFkk;h isa”ku iz.kkyh dks }kjk ckt+kjksa dh l?kurk vkSj O;kid iwath ckt+kj izkIr djus esa fu;fer cpr vkSj fuos”k vuq”kklu lq/kkjksa ls lacaf/kr gSA bu y{;ksa dks iw.kZ djus esa egRoiw.kZ Hkwfedk fuHkkrk gSA ih,QvkjMh, us isa”ku vusdksa varfoZfu;ked laxBuksa vkSj lfefr;ksa ds lkFk ds fo’k; esa yksxksa dks f”kf{kr djus vkSj bu y{;ksa dks ih,QvkjMh, dh Hkh Hkkxhnkjh jgh gSA vkxs c<+kus ds fy, vusd dne mBk, gSaA izkf/kdj.k dk vU; iz;kl ,uih,l ds rgr e/;LFk 1.9 ,uih,l ds rgr e/;LFk bdkbZ;ka bdkbZ;ksa dks izcy cukuk gSA ,d mfpr vkSj ikjn”khZ iz.kkyh ds fy, e/;LFk bdkbZ;ksa dk izcy gksuk 1.9.1 jk"Vªh; isa’ku iz.kkyh vkSj vf/kfu;e ds vR;ar vko”;d gSA e/;LFk bdkbZ;ksa ls mRikn vkSj rgr 'kkfey vU; isa’ku ;kstukvksa ds lkFk izfØ;k ds mfpr Kku dks lk>k rFkk iznku djrs lacf)r e/;LFk bdkbZ;ka vkSj vU; bdkbZ;ka gq,] laiw.kZ iz.kkyh dks mfpr :i ls dk;Z djus ds fy, l{ke cukus gsrq lgh fn”kkfunsZ”kksa dks fu/kkZfjr jk’Vªh; isa”ku iz.kkyh ¼,uih,l½ ,d vlewghÑr djrs gq, mUgsa izcy cukuk gSA ,d mfpr iz.kkyh lajpuk ds rgr dk;Z djrk gS] ftlesa izR;sd dk;Z vfHknkrk ds fgrksa dh j{kk lqfuf”pr djrh gSA vius {ks= dh fof”k’V bdkbZ dks fn;k tkrk gSA ,uih,l lajpuk esa mifLFkfr vfLrRo ¼ihvksih½] Ik;kZIrrk ljdkjh uksMy dk;kZy;] dsanzh; vfHkys[kiky vfHkdj.k ¼lhvkj,½] U;klh cSad] isa”ku fuf/k;ka ¼ih,Q½] fdlh Hkh isa”ku iz.kkyh ds egRoiw.kZ mn~ns”;ksa es ls ,uih,l U;kl] vfHkj{kd] okf’kZdh lsok iznkrk vkSj ,d ;g lqfuf”pr djuk gS fd vfHknkrkvksa ds fy, lsokfuo`fÙk lykgdkj “kkfey gSaA lsokfuo`fÙk ds le; Ik;kZIr isa”ku laifÙk gks vFkkZr~ lsokfuo`fÙk ykHk gdnkjh dh lqfo/kk nsuk tks fd 1.9.1.1 mifLFkfr vfLrRo ¼ihvksiht+½ mUgsa o`)koLFkk vk; dh lqj{kk iznku djrh gksA tcfd ,uih,l] fcuk fdlh ykHk dh xkjaVh ds mifLFkfr vfLrRo vfHknkrkvksa ds iathdj.k vkSj lsok,a ,d ifjHkkf”kr va'knku ;kstuk gS] fQj Hkh] vPNs iznku djus ds fy, ih,QvkjMh, ds lkFk iathÑr vH;kl ds mik; ds :i esa] çkf/kdj.k dk ç;kl cSad vkSj xSj&cSafdax daifu;ka vkfn gSaA ihvksih fofHkUu mik;ksa ds ek/;e ls i;kZIr lsokfuo`fÙk ;kstuk vfHknkrk vkSj ,uih,l ds chp igyk laizs’k.k fcanq cqfu;knh <kaps dks lqfuf'pr djus dh fn'kk esa dke gSA iathÑr mifLFkfr vfLrRoksa dh izkf/kÑr “kk[kk,a djuk gS] ftlesa dj fj;k;rksa vkfn ds fy, ljdkj gksrh gSa] ftUgsa ihvksih&lsok iznkrk ¼ihvksih&,liht+½ ds lkFk tqM+dj fjVuZ dks vuqdwfyr djus ds fy, dgk tkrk gS] ftudk dk;Z ladyu bdkbZ ds :i fuos'k fn'kkfunsZ'kksa dh leh{kk vkSj mudk ;ksxnku esa dk;Z djuk vkSj xzkgdksa dks lsok,a iznku djuk c<+kuk 'kkfey gSA gksrk gSA mifLFkfr vfLrRoksa ds dk;ksZa esa “kkfey gS % vfHknkrk iathdj.k] vfHknkrk va”knkuksa dks lalkf/kr fLFkjrk djuk] O;fDrxr fooj.k dks ifjofrZr djuk] fuos”k ;kstuk@fuf/k izca/kd esa ifjorZu] ,d ekWMy ls nwljs fdlh Hkh va”knk;h isa”ku iz.kkyh ds ihNs fLFkjrk Hkh ekWMy esa vfHknkrk LFkkukarj.k dks lalkf/kr djuk] 34okf"kZd fooj.k - 2021-22 eqfnzr [kkrk fooj.k tkjh djuk] vf/kof’kZrk vkfn ij x mfpr dkjZokbZ ds fy, vfHknkrkvksa ds vuqjks/k izR;kgj.k@fudkl vuqjks/k tkjh djuk vkfnA dks vxzsf’kr djuk x vfHknkrkvksa dh f”kdk;rksa dks lqy>kuk 1.9.1.2 ljdkjh uksMy dk;kZy; x vfHknkrkvksa ds vuqeksfnr fudkl vuqjks/k dks (i) dsanz ljdkj uksMy dk;kZy; izeq[k ys[kk vxzsf’kr djuk dk;kZy;] osru vkSj ys[kk dk;kZy; ¼ih,vks½ vkSj vkgj.k rFkk forj.k dk;kZy; 1.9.1.3 dasnzh; vfHkYks[kiky vfHkdj.k ¼lhvkj,½ dsanz ljdkj ds rgr izeq[k ys[kk dk;kZy; ¼ihvkj,vks½] ,uih,l ds fy, ,u,lMh,y bZ&xousZal bUÝkLVªDpj osru vkSj ys[kk dk;kZy; ¼ih,vks½ vkSj vkgj.k rFkk fyfeVsM vkSj ds&fQu VsDuksykWth izkbosV fyfeVsM forj.k dk;kZy; ¼MhMhvks½ ;k dsanz ljdkjksa vkSj dks lhvkj, ds :Ik esa fu;qDr fd;k x;kA muds dsanz Lok;Rr fudk;ksa ds rgr le:i dk;kZy;] og eq[; dk;ksZa esa “kkfey gSa % e/;LFk bdkbZ;ka gSa] tks ,uih,l ds iz;kstu ds fy, (i) vfHknkrk fjdkWMZ] iz”kklu vkSj xzkgd lsok vfHknkrkvksa dh vksj ls lhvkj, ds lkFk laizs’k.k dk;kZsa dks cuk, j[kuk A djrh gSaA (ii) izR;sd vfHknkrk ds fy, LFkk;h lsokfuo`fÙk (ii) jkT; ljdkj uksMy dk;kZy; MhVh,] [kkrk la[;k ¼izku½ tkjh djuk] lHkh izku dk MhVhvks vkSj MhMhvks MsVkcsl izcaf/kr djuk vkSj lHkh izR;sd izku ls jkT; ljdkjksa ds rgr dks’k ,oa ys[kk funs”kky; lacaf/kr ysunsu dks fjdkWMZ djukA ¼MhVh,½] ftyk [ktkuk dk;kZy; ¼MhVhvks½ vkSj (iii) ,uih,l iz.kkyh dh fofHkUu e/;LFk bdkbZ;ksa vkgj.k ,oa laforj.k dk;kZy; ¼MhMhvks½ ;k jkT; ds chp baVjQsl ds :i esa dk;Z djuk A blesa ljdkjksa vkSj jkT; Lok;Ùk fudk;ksa ds rgr le:i izR;sd lnL; }kjk va”knku dh fuxjkuh vkSj dk;kZy; og e/;LFk bdkbZ;ka gSa] tks ,uih,l ds isa”ku fuf/k dks funsZ”k nsuk vkSj lapkj “kkfey iz;kstu ds fy, vfHknkrkvksa dh vksj ls lhvkj, ds gSA Lke;&le; ij os izR;sd lnL; dks izku lkFk laizs’k.k djrh gSa A fooj.k Hkh Hkstrs gSaA uksMy dk;kZy;] ,uih,l ds rgr fofHkUu ifjpkyu (iv) ,d dsanzhÑr f”kdk;r izca/ku iz.kkyh iznku dk;ksZa ds fy, lhvkj, iz.kkyh ds rgr iathÑr djukA ljdkjh ,tsafl;ksa ds ifjfpr dk;kZy; gSa A bu dk;kZy;ksa dh igpku ,d fof”k’V la[;k vFkkZr~ (v) fuf/k izca/kdksa dks le; ls fuf/k LFkkukarj.k ihvkj,vks@ih,vks@MhMhvks iathdj.k la[;k ls dh laca/kh tkudkjh miyC/k djkuk A tkrh gS] tks fd mUgsa lhvkj, }kjk lQy iathdj.k (vi) vfHknkrkvksa ds [kkrs eas okilh /ku izsf’kr djus ij vkoafVr dh tkrh gSA bu dk;kZy;ksa dh izeq[k vkSj okf’kZdh lsok iznkrk dks okf’kZdh ds fy, Hkwfedk gS] muesa ls dqN bl izdkj gS % èku izsf’kr djus gsrq U;klh cSad ls lek;kstuA x vfHknkrk iathdj.k ds fy, izi=ksa dks tek ih,QvkjMh, us ih,QvkjMh, ¼lhvkj,½ fofu;e] djuk 2015 ds rgr daI;wVj ,t eSustesaV lfoZlst fyfeVsM x vfHknkrkvksa dks izku fdV forfjr djuk ¼lh,,e,l½ dks dsanzh; vfHkys[kiky vfHkdj.k ds x vfHknkrkvksa ds va”knkuksa ds fo’k; esa le;c) :i esa dk;Z djus ds fy, iathdj.k izek.ki= iznku vkSj lVhd lwpuk iznku djuk fd;k gSA 35Hkkx&I 1.9.1.4 U;klh cSad gq, vkSj mls Lohdkj djrs gq, çfrHkwfr ysunsu dh lqfoèkk çnku djrs gSaA ih,QvkjMh, us LV‚d gksfYMax ,uih,l ds rgr U;klh cSad fofHkUu e/;LFk bdkbZ;ksa d‚iksZjs'ku v‚Q bafM;k fyfeVsM dks vfHkj{kd fu;qä esa fuf/k;ksa ds izokg dks izcaf/kr djrs gSaA orZeku esa fd;k gSA gky gh esa ih,QvkjMh, us DEUTSCHE ,fDll cSad fyfeVsM vfHknkrkvksa] fuf/k izca/kdksa vkSj cSad dks viuh izfrHkwfr;ksa dk vfHkj{kd fu;qDr fd;k okf’kZdh lsok iznkrkvksa dks lhvkj, }kjk izkIr funs”kksa gSA buds dk;ksaZ esa ‘kkfey gSa % ds vk/kkj ij fuf/k LFkkukarj.k dh lqfo/kk iznku djus ds fy, ukfer cSad gSA U;klh cSad uksMy dk;kZy;ksa@ (i) ,uih,l dks”k ls [kjhnh xbZ ,uih,l U;kl ds ihvksiht+@ladyudrkZvksa ls /kujkf”k izkIr djrs gSa uke /kkfjr çfrHkwfr;ksa dk laj{k.k djuk A vkSj bls vfHknkrk va”knku Qkby ds lkFk feykrs (ii) /kkfjr çfrHkwfr;ksa dk fooj.k j[kukA gSa A U;klh cSad ,uih,l U;kl ds uke ij fuf/k;ka èkkfjr djrs gSa vkSj vfHknkrk ykHkkFkhZ gksrs gSaA (iii) çfrHkwfr;ksa ij ykHkka”k] vf/kdkj] cksul vkfn tSls ykHk ,d= djukA 1.9.1.5 isa’ku fuf/k;ka ¼ih,Q½ (iv) /kkfjr çfrHkwfr;ksa ds tkjhdrkZvksa ds dk;ksaZ ds ;g O;olkf;d fuf/k izca/kd gSa] ftUgsa izfrHkwfr;ksa ds ckjs esa lwfpr djuk tks ykHkksa dks çHkkfor dj ikVs QZ kfsy;k as e as i”as ku dk’sk dk s U;k;i.w k Z vkjS foods i.w kZ ldrs gSaA <ax ls fuos”k djus ds fy, fu;qDr fd;k x;k gSA orZeku esa ,uih,l ds rgr isa”ku fuf/k izca/kd gSa 1.9.1.7 ,uih,l U;kl & vkbZlhvkbZlhvkbZ izwMsaf”k;y isa”ku QaMl eSustesaV daiuh fyfeVsM] ,yvkbZlh isa”ku QaM fyfeVsM] ,uih,l U;kl Hkkjrh; U;kl vf/kfu;e ds rgr dksVsd efganzk isa”ku QaM fyfeVsM] ,lchvkbZ isa”ku LFkkfir ,d U;kl gS] tks vfHknkrkvksa ds ykHk ds QaM izkbosV fyfeVsM] ;wVhvkbZ fjVk;jesaV lksY;w”kal fy, ,uih,l dh laifÙk /kkj.k djrk gSA fuf/k;ksa fyfeVsM] vkSj ,PkMh,Qlh isa”ku eSustesaV daiuh dk çca/ku djuk vkSj vfHknkrkvksa ds fgrksa dh j{kk fyfeVsM] vkfnR; fcjyk lu ykbQ isa”ku eSustesaV djuk U;kl dh oS'okfld ftEesnkjh gSA ,uih,l fyfeVsM] muds dk;ksaZ eas “kkfey gSa % U;kl] isa'ku fuf/k;ksa ds dkedkt dh fuxjkuh vkSj i;Zos{k.k djrk gS vkSj dsaæh; vfHkys[kiky vfHkdj.k (i) fuos”k fn”kkfunsZ”kksa ds vuqlkj fuos”k lqfuf”pr ¼lhvkj,½] U;klh cSad] vfHkj{kd vkSj vU; bdkbZ;ksa djuk A ls ppkZ djrk gSA (ii) lhvkj, }kjk iznku fd, x, funs”kksa ds vuqlkj 1.9.1.8 okf"kZdh lsok çnkrk ;kstukvksa esa va”knku djuk A okf”kZdh lsok çnkrk ¼,,liht½] vkbZvkjMh,vkbZ (iii) ;kstuk iksVZQksfy;ks cukukA }kjk fofu;fer vkSj ih,QvkjMh, }kjk lwphc) chek daifu;ka gSa] tks ,uih,l vfHknkrkvksa dks muds }kjk (iv) [kkrk cfg;ksa dk izca/ku djuk] izkf/kdkjh dks is’k dh tkus okyh okf"kZfd;ksa ds lewg esa ls okf’kZdh fjiksVZ djuk vkSj Li’Vhdj.k djuk A çnku djrh gSaA 1.9.1.6 çfrHkwfr;ksa ds vfHkj{kd 1.9.1.9 lsokfuo`fÙk lykgdkj ,uih,l U;kl ds uke ij ,uih,l dks”k ls Ø; lsokfuo`fÙk lykgdkj dk vFkZ gS dksbZ Hkh O;fDr] tks xbZ çfrHkwfr;ksa dks çfrHkwfr;ksa ds vfHkj{kd }kjk ,d O;fDr] iathÑr lk>snkjh QeZ] fudk; dksiksZjsV] /kkfjr fd;k tkrk gS] tks çfrHkwfr;ksa dk forj.k djrs 36okf"kZd fooj.k - 2021-22 ;k dksbZ iathÑr U;kl ;k laLFkk gS] tks jk’Vªh; 1.9.3 yksdlaidZ isa”ku iz.kkyh ;k ih,QvkjMh, }kjk fofu;fer vU; lsokfuo`fÙk vkSj lsokfuo`fÙk ;kstuk ds fy, cpr isa”ku ;kstuk ij laHkkfor@ekStwnk vfHknkrkvksa ;k dh vko';drk ds fo"k; esa tkx:drk mRiUu vU; O;fDr;ksa ;k O;fDr;ksa ds lewg dks lykg djus ds ih,QvkjMh, ds tukns'k dks iwjk djus iznku djus dh xfrfof/k esa layXu gksuk pkgrk gS ds fy,] ih,QvkjMh, vius }kjk p;fur çf'k{k.k vkSj ih,QvkjMh, ¼lsokfuo`fÙk lykgdkj½] fofu;e] vfHkdj.kksa ds ek/;e ls çf'k{k.k çnku djus lfgr 2016 ds rgr blds :i esa iathÑr fd;k x;k fofHkUu xfrfof/k;ksa dk lapkyu djrk gSA ;s çf'k{k.k gSA O;fDrxr vkSj O;fDrxr ls fHkUu lsokfuo`fÙk vfHkdj.k vkSj jkT; ljdkj ds uksMy vf/kdkfj;ksa] lykgdkjksa dh lwph ih,QvkjMh, dh osclkbV ij osru vkSj ys[kk dk;kZy;ksa ¼ih,vks½] vkgj.k vkSj miyC/k gSA forj.k dk;kZy;ksa ¼MhMhvks½] mifLFkfr vfLrRoksa@ 1.9.2 [kkrs ds izdkj cSadksa@Mkd?kjksa dks] tks vfHknkrkvksa ds iathdj.k esa 'kkfey gS] ,uih,l@,ihokbZ dh eq[; fo'ks"krkvksa ,uih,l ds rgr nks izdkj ds [kkrs miyC/k gSa % ds ckjs esa] 'kkfey gksus dh çfØ;k vkfn ds ckjs esa çf'k{k.k çnku djrh gSaA blds vykok] O;kid (i) fV;j & I [kkrk % fV;j & I [kkrs ds rgr foÙkh; miHkksäk laj{k.k uhfr ds ,d Hkkx ds :i esa vfHknkrk bl vkaf”kd :Ik ls vkgfjr [kkrs esa lHkh {ks= vkSj Hkkxksa ds vfHknkrkvksa ds fy, çf'k{k.k mldh cpr dks lsokfuo`fÙk@isa”ku ds fy, dk;Z'kkykvksa@f'kfojksa dk vk;kstu fd;k x;k gSA ;ksxnku djrk gSA le;iwoZ fudklh dqN “krksaZ ,uih,l@,ihokbZ çf'k{k.k dsoy v‚uykbu rjhds ds v/khu gSA vFkkZr~ ohfM;ks d‚UÝsaflax ds ek/;e ls çnku fd, x, (ii) fV;j & II [kkrk % ;g ,d LoSfPNd fuos”k vkSj fu;qä çf'k{k.k ,tsalh us foÙkh; o"kZ ds nkSjku [kkrk gS] tgk¡ vfHknkrk bl [kkrs esa viuh 12024 çfrHkkfx;ksa ds fy, dqy 255 v‚uykbu çf'k{k.k bPNkuqlkj /kujkf”k tek djus vkSj cpr dks l= vk;ksftr fd,A blds vykok] ih,QvkjMh, }kjk fudky ldrk@ldrh gSA fo'ks"k :i ls ,u,,pvkjMh] vkbZ,lVh,e] lhlhvkbZ] ,uihlh] vkbZ,Q,llh,] vkbZlhvkbZlhvkbZ çfrHkwfr;ksa fV;j& II ds rgr] ,d fV;j II dj cpr ;kstuk ds fy, 13 çf'k{k.k dk;ZØe@dk;Z'kkyk,a vk;ksftr ¼VhVh,l½ [kkrk gS] tks fo'ks"k :i ls ljdkjh dh xbZaA ,uih,l vkSj ,ihokbZ ds rgr izca/ku ds deZpkfj;ksa dks vfrfjä dj ykHk çkIr djus ds fy, v/khu vkfLr;ka ftlesa dks’k ij fjVUlZ “kkfey gSa cuk, x, [kkrs dk ,d vU; çdkj gS A blesa rhu 31 ekpZ 2021 ds :-578]025 djksM ls c<+dj lky dh y‚d bu vof/k gksxh A 31 ekpZ 2022 rd #-7]36]594 djksM+ gks xbZ] ftlesas ,uih,l ds vykok] ih,QvkjMh, vVy isa'ku ;kstuk 27-43 izfr”kr dh c<+ksrjh ntZ dh xbZA dks Hkh ç'kkflr vkSj fofu;fer djrk gSA 37Hkkx&II Hkkx II ,uih,l ds rgr fuf/k;ksa dk fuos’k ;g v/;k; ,uih,l rFkk ,uih,l vf/kfu;e d s rgr ‘kkfey vkSj izkf/kdj.k ;k jk’Vªh; isa”ku iz.kkyh U;kl vU; i'as ku ;kts ukvk as d s rgr fuf/k;k as d s fuo’s k rFkk jk”Vªh; i’as ku }kjk ;FkkfufnZ’V le;lhek ds Hkhrj fd;k i.z kkyh e as fofHkUUk fuo’s k Jfs.k;k as e as ftue as ljdkjh ifzrHkfwr;k]a tk,xk A _.k ifzrHkfwr;k a ‘kkfey g S rFkk i'as ku fuf/k fofu;ked vkjS [k½ isa”ku fuf/k;ksa dk nSfud izca/ku jk’Vªh; isa”ku fodkl ikzf/kdj.k ¼fjikVs ]Z fjVu Z vkjS fooj.kh½ fu;e] 2015 iz.kkyh U;kl dh vksj ls isa”ku fuf/k }kjk fd;k d s ifjf’k”V II d s vulq kj bfDoVht + ij ,Dlikts j+ dh lhek tk,xk A ij ppk Z djrk gAS x½ isa”ku fuf/k] vfHknkrk ds loksZÙke fgrksa dks /;ku 2.1 isa’ku fuf/k;ka ¼ih,Q½ es j[krs gq, vius dÙkZO;ksa dk fuokZg djrs gq, isa”ku fuf/k ls rkRi;Z gS ,d e/;LFk bdkbZ ftls lnSo mPprjlsok ekunaMks] mi;qDr lkoèkkuh] izkfèkdj.k }kjk Hkkx 27 ds mi&Hkkx ¼3½ ds rgr foosd”khyrk] O;olkf;d dkS”ky] “kh?kzrk] va”knkuksa dks izkIr djus] mUgsa fuosf”kr djus vkSj rRijrk vkSj lrdZrk dk iz;ksx djsxh A isa”ku fofu;eksa esa ;FkkfufnZ’V jhfr esa vfHknkrkvksa dks fuf/k;ka lV~Vsnkj fuos”kksa ;k ysunsu djus ls Hkqxrku djus ds fy, ,d is”ku fuf/k ds :i esa cpsxh A iathdj.k izek.ki= fn;k x;k gSA ?k½ isa”ku fuf/k mPp f”kf{kr is”ksojksa ;k bZekunkj isa”ku fuf/k;ka ftUgsa fu;qDr vkSj iathÑr fd;k x;k deZpkfj;ksa dh fu;qfDr djsxhA isa”ku fuf/k mlds gS] jk’Vªh; isa”ku iz.kkyh ;k vU; ;kstuk ds rgr deZpkfj;ksa ;k vf/kÑr O;fDr] ftlls lsok,a isa”ku dks’k dks izcaf/kr djrh gSa A isa”ku fuf/k;ka izkIr dh xbZ gSa] ds ÑrkÑr ds fy, ftEesnkj ewy vkfLr;ksa dh izkfIr ds iqf’Vdj.k ds fy, muds gksxh vkSj ,sls ÑrkÑr dk mÙkjnkf;Ro mldk ,Dlsl dksM vkSj fuf/k vkoaVu] fuf/k vkoaVu ds gksxkA ;g mÙkjnkf;Ro rc rd cuk jgsxk] iqf’Vdj.k ds fy, funsZ”kksa dk iz;ksx djrh gSa vkSj tc rd fd iathdj.k izek.ki= dk fujlu ;k izR;sd ;kstuk ds ,u,oh dks lhvkj, vkSj vfHkj{kdksa fuyacu ;k okilh ;k izkf/kdj.k }kjk izca/ku dks fu;fer vk/kkj ij Hkstrh gS A vf/kØe.k ugha gks tkrkA isa”ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k ¼isa”ku M-½ is”ku fuf/k vU; e/;LFk bdkbZ;ksa vkSj vU; fuf/k½ fofu;e] 2015 fnukad 14 ebZ] 2015 dks bdkbZ;ksa ds lkFk vU; ckrksa ds lkFk&lkFk vfèklwfpr gq, vkSj is”ku fuf/k;ksa dks bu fofu;eksa vuqca/k] ifjpkyu nkf;Roksa dks iw.kZ djus ds dk buds la”kks/kuksa lfgr ikyu djuk Fkk A fy, rduhdh eap ds ek/;e ls dk;Z vkSj lek;kstu djsxh A 2.1.1 isa’ku fuf/k;ksa ds dk;Z Pk½ isa”ku fuf/k;ka isa”ku ;kstukvksa ds ifjpkyu ls isa”ku fuf/k;ksa ds dk;ksZa esa fuEufyf[kr “kkfey gS] lacaf/kr [kkrk cfg;ksaa] vfHkys[kksa] jftLVj vkSj ysfdu ;g dsoy bu fcanqvksa rd gh lhfer ugha gS% nLrkost+ksa dks izcaf/kr djsxh rkfd fofu;eksa] fn”kkfunsZ”kksa] izkf/kdj.k }kjk le;&le; ij d½ isa”ku ;kstukvksa dk izca/ku ;kstukvksa ds rF;ksa] tkjh ifji=ksa dk vuqikyu fd;k tk lds vkSj U;kl foys[k] fu;eksa] fofu;eksa vkSj izkf/kdj.k ysunsu dh ys[kkijh{kk vkSj lnSo O;kikfjd }kjk le;&le; ij tkjh ifji=ksa ds vuqlkj fujarjrk dks cuk, j[kk tk lds A 38okf"kZd fooj.k - 2021-22 N½ isa”ku fuf/k bu fofu;eksa] fn”kkfunsZ”kksa ;k ifji=ksa 2.1.2 ljdkjh {ks= ,uih,l ;kstukvksa ¼vFkkZr~ ds rgr vko”;d ;k izkf/kdj.k }kjk ekaxh xbZ dsanz ljdkj ¼lhth½ vkSj jkT; ljdkj ¼,lth½] ;k jk’Vªh; isa”ku iz.kkyh U;kl }kjk le;&le; ftuesa Lok;Ùk fudk; 'kkfey gS½] ,uih,l&ykbV ij ekaxh xbZ vkof/kd vkSj vuqikyu fjiksVZ vkSj ,ihokbZ ds fy, is’ku fuf/k;ksa ¼ih,Q½ dh tek djsxh A lwph Tk½ isa”ku fuf/k vfHknkrkvksa ds fgr es lwpuk dk i. ,yvkbZlh isa”ku QaM fyfeVsM yksd izdVhdj.k izkf/kdj.k }kjk vuqlwph V esa ii. ,lchvkbZ isa”ku QaM~l izkbosV fyfeVsM ;FkkfufnZ’V i)fr ;k jhfr esa djsxh A iii. ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM >½ isa”ku fuf/k fuos”k vkSj tksf[ke izca/ku vFkkZr~ fuos”k lfefr vkSj tksf[ke lfefr ds xBu] 2.1.3 futh {ks= ,uih,l ;kstukvksa ds fy, mldh jpuk] dk;Z] uhfrxr rF;ksa vkSj vuqlwph isa’ku fuf/k;ksa ¼ih,Q½ dh lwph X es ;FkkfufnZ’V vU; leku ekeyksa ds fy, i. ,pMh,Qlh isa”ku eSustesaV daiuh fyfeVsM mPPk “kklu i)fr;ksa dks viuk,xkA ii. vkbZlhvkbZlhvkbZ iwzMsaf”k;y isa”ku QaM~l ´½ ,d isa”ku fuf/k }kjk isa”ku fuf/k ds :i esa eSustesaV daiuh fyfeVsM nkf;Roksa dks iw.kZ djrs gq, fgr la?k’kksZa ls Hkh iii. dksVsd efganzk isa”ku QaM fyfeVsM cpko fd;k tk,xk vkSj ,slh ?kVukvksa dh tkudkjh jk’Vªh; isa”ku iz.kkyh U;kl dks iznku iv. vkfnR; fcjyk luykbQ isa”ku eSusTkesaV dh tk,xhA fyfeVsM v. ,yvkbZlh isa”ku QaM fyfeVsM Rk½ isa”ku fuf/k vius izk;kstdksa ls isa”ku fuf/k O;olkf;d xfrfof/k;ksa dh O;kidrk vkSj vi. ,lchvkbZ isa”ku QaM~l izkbosV fyfeVsM i`FkDdrk lqfuf”pr djsxk A vii. ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM Fk½ is”ku fuf/k vfHknkrkvksa dh lwpuk ds laca/k esa 2.2 ;kstuk,a vkSj is”ku fuf/k;ksa ls lacaf/kr fØ;kdykiksa dh ,uih,l esa vfHknkrk fuEufyf[kr {ks=ksa ds rgr vkrs xksiuh;rk dks lqfuf”pr djsxk vkSj izkf/kdj.k gSa% ;k jk’Vªh; isa”ku iz.kkyh U;kl ;k dkuwu ds izko/kkuksa ds }kjk visf{kr lwpuk ds vfrfjDr i. ljdkjh {ks= (dsanz ljdkj/jkT; ljdkj mlds fu;a=.kk/khu laiw.kZ lwpuk dh lqj{kk Lok;Ùk fudk;ksa lfgr) djsxk A ii. ,uih,l ykbV n½ isa”ku fuf/k jk’Vªh; isa”ku iz.kkyh U;kl dh iii. vVy isa”ku ;kstuk ¼,ihokbZ½) vksj ls vfHknkrkvksa ds fgrksa dh j{kk ds fy, vko”;d ,sls vH;kosnu vkSj okjaVh iznku iv. loZ ukxfjd@;wvks,l djsxkA v. dksiksZjsV {ks= 39Hkkx&II mijksDr {ks=ksa ds fy, ,uih,l ds rgr fuos”k isa’ku fuf/k dk fodYi % izkfèkdj.k }kjk tkjh fuos”k fn”kkfunsZ”kksa ds rgr tSlk fd futh {ks= vfHknkrkvksa ds ekeys esa gS] mlh fuèkkZfjr gSa vkSj bfDoVh ,Dlikst+j lHkh ;kstukvksa@ izdkj ljdkjh vfHknkrkvksa dks Hkh futh {ks= isa”ku Hkkxksa ds fy, vkjaHk ls fufnZ’V gS A ,uih,l ds rgr fuf/k lfgr fdlh ,d isa”ku fuf/k ds p;u dk fuos”k fodYi ,d {ks= ls nwljs {ks= esa fHkUu gSaA fodYi gksxkA og o’kZ esa ,d ckj viuk fodYi cny 2.2.1 ljdkjh {ks=( dsanz ljdkj@jkT; ljdkj] ldrs gSa A gkykafd] lkoZtfud {ks= isa”ku fuf/k dk ftuesa dsanz Lok;Ùk fudk; vkSj jkT; Lok;Ùk la;kstu dk izko/kku ekStwnk vkSj lkFk gh lkFk u, fudk; 'kkfey gSa½ ljdkjh vfHknkrkvksa ds fy, fMQkWYV fodYi ds :i es miyC/k jgsxk A ih,QvkjMh, ds fuos”k fn”kkfunsZ”kksa ds vuqlkj lh,cht+@,l,cht+ lfgr ljdkjh {ks= ds fy, fuos’k izk:Ik dk fodYi % ,uih,l ds rgr fuEufyf[kr lhek,a fu/kkZfjr dh xbZ gSa % i. ekStwnk ;kstuk] ftlesa ljdkjh deZpkfj;ksa ds fy, ih,QvkjMh, ds fn”kkfunsZ”kksa ds vuqlkj rkfydk la[;k 2.1: ljdkjh {ks= esa vkfLr;ksa ih,QvkjMh, }kjk rhu lkoZtfud fuf/k dk vkoaVu izcaèkdksa esa muds iwoZ izn”kZu ds vk/kkj ij èku vkoafVr fd;k x;k gS] dks ekStwnk vkSj u, fooj.k ,Dlikst+j lhek vfHknkrkvksa ds fy, fMQkWYV ;kstuk ds :i es ¼izfr’kr½ tkjh j[kk tk,xk A Lkjdkjh izfrHkwfr;ka vkSj 55 izfr”kr rd ii. Lkjdkjh deZpkjh tks U;wure tksf[ke ds lkFk lacaf/kr fuos”k fuf”pr fjVuZ pkgrs gSa] mUgsa ljdkjh izfrHkwfr;ksa _.k midj.k vkSj lacaf/kr 45 izfr”kr rd ¼;kstuk th½ esa 100% fuos”k dk fodYi izkIr fuos”k gksxkA vYIkdkfyd _.k midj.k 10 izfr”kr rd iii. Lkjdkjh deZpkjh tks mPprj fjVuZ dk vkSj lacaf/kr fuos”k pquko djrs gSa dks fuEufyf[kr nks thoupØ bfDoVh vkSj lacaf/kr fuos”k 15 izfr”kr rd fuf/k vk/kkfjr ;kstukvksa dk fodYi fn;k lefFkZr vkfLr;ka] lajfpr 5 izfr”kr rd x;k gS % U;kl vkSj fofo/k fuos”k d½ bfDoVh esa vf/kdre 25%dh lhek ds lkFk datoZsVho thou pØ fuf/k&,ylh&25 izkf/kdj.k }kjk le;&le; ij fu/kkZfjr vuqikr esa Lkjdkjh {ks= ds rgr 03 lkoZtfud isa”ku fuf/k;ka [k½ bfDoVh esa vf/kdre 50% dh lhek vFkkZr~ is”ku fuf/k fyfeVsM] ,lchvkbZ isa”ku QaM ds lkFk eksMjsV thou pØ fuf/k& izkbosV fyfeVsM vkSj ;wVhvkbZ fjVk;jesaV lksY;w”kal ,ylh&50 fyfeVsM va”knku dks izcaf/kr vkSj fuosf”kr djsaxhA dsanz ljdkj ds vfHknkrk ,uih,l ds rgr ,d foÙk blds vykok] ljdkjh dk;kZy; Kkiu la[;k o’kZ esa mijksDr fuos”k iSVUkZ dks nks ckj pqu ldrs gSaA 1/3/2016-PR fnukafdr 31 tuojh 2019 vkSj dqN jkT; ljdkjksa us Hkh mijksDr fuos”k fodYiksa dh izkfèkdj.k ds ifji= fnukad 8 ebZ 2019 ds vuqlkj “kq:vkr dh gSA ljdkjh deZpkjh ¼dsoy dsUnz ljdkj½ dks fuEufyf[kr fodYi fn, x, gSa % 40okf"kZd fooj.k - 2021-22 2.2.2 ,uih,l ykbV ;k :-2000@& ;k :-3000@& ;k :-4000@& ;k :-5000@& dh xkjafVM U;wure isa”ku izfrekg ,uih,l ykbV ds rgr u, ukekadu fnukad 60 o’kZ dh vk;q izkIr djus ij izkIr gksxh] tks fd 01-04-2015 ls lekIr gks x, gSa A gkykafd] ekStwnk vfHknkrk }kjk fd, x, va”knkuksa ij fuHkZj gksxhA ,uih,l&ykbV vfHknkrkvksa ds fy, ih,QvkjMh, ds fuos”k fn”kkfunsZ”kksa ds vuqlkj ,uih,l&ykbV {ks= vVy isa”ku ;kstuk ¼,ihokbZ½ ds rgr vfHknkrkvksa dks ds fy, fuEufyf[kr lhek,a fu/kkZfjr dh xbZ gSa % isa”ku fuf/k ;k vkfLr vkoaVu ds p;u dk fodYi iznku ugha fd;k x;k D;ksafd ;g ,d xkjafVM ljdkjh rkfydk la[;k 2.2: ,uih,l ykbV {ks= ;kstuk gS vkSj blesa ,uih,l ds rgr ljdkjh {ks= vkfLr;ksa dk vkoaVu deZpkfj;ksa ds leku gh fuEukuqlkj vkfLr vkoaVu jgsxk % fooj.k ,Dlikst+j lhek ¼izfr’kr½ rkfydk la[;k 2.3: vVy isa’ku ;kstuk {ks= esa vkfLr;ksa dk vkoaVu Lkjdkjh izfrHkwfr;ka vkSj 55 izfr”kr rd lacaf/kr fuos”k fooj.k ,Dlikst+j lhek _.k midj.k vkSj lacaf/kr 45 izfr”kr rd ¼izfr’kr½ fuos”k ljdkjh izfrHkwfr;ka vkSj 55 izfr”kr rd vYIkdkfyd _.k midj.k 10 izfr”kr rd lacaf/kr fuos”k vkSj lacaf/kr fuos”k _.k midj.k vkSj lacaf/kr 45 izfr”kr rd bfDoVh vkSj lacaf/kr fuos”k 15 izfr”kr rd fuos”k lefFkZr vkfLr;ka] lajfpr 5 izfr”kr rd vYidkfyd _.k midj.k 10 izfr”kr rd U;kl vkSj fofo/k fuos”k vkSj lacaf/kr fuos”k bZfDoVh vkSj lacaf/kr fuos”k 15 izfr”kr rd ,uih,l ykbV ds rgr] dsoy 03 lkoZtfud {ks= lefFkZr vkfLr;ka] lajfpr 5 izfr”kr rd fufèk;ka vFkkZr~ ,yvkbZlh isa”ku QaM fyfeVsM] ,lchvkbZ U;kl vkSj fofo/k fuos”k is”ku QaM izkbosV fyfeVsM vkSj ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM izkf/kdj.k }kjk le;&le; ij vVy isa”ku ;kstuk ds rgr 3 lkoZtfud {ks= isa”ku fu/kkZfjr vuqikr esa ¼rhu isa”ku fuf/k;ksa ds chp½ fufèk;ka vFkkZr~ ,yvkbZlh isa”ku QaM fyfeVsM@,lchvkbZ va”knku izcaf/kr vkSj fuos”k djus ds fy, gSa A blds isa”ku QaM izkbosV fyfeVsM@;wVhvkbZ fjVk;jesaV vykok] ,dy futh {ks= isa”ku fuf/k vFkkZr~ dksVsd lksY;w”kal fyfeVsM izkf/kdj.k }kjk le;&le; ij efganzk isa”ku QaM fyfeVsM dks va”knku izcaf/kr djus fu/kkZfjr vuqikr esa ¼rhu isa”ku fuf/k;ksa ds chp½ ds fy, ,d ladyudÙkkZ ds :i esa pquk x;k gSA va”knku izcaf/kr vkSj fuos”k djus ds fy, gSaA ,uih,l ykbV ;kstuk ds rgr vfHknkrkvksa dks 2.2.4 loZ ukxfjd vlaxfBr {ks= isa”ku fuf/k ;k vkfLr vkoaVu ds p;u dk fodYi LkoZ ukxfjd vlaxfBr {ks= ds rgr vfHknkrk fdlh ugha fn;k x;kA Hkh fuos”k iSVuZ vFkkZr~ ß,fDVo pkWblÞ ;k ßvkWVks pkWblÞ dk fodYi pqu ldrs gSaA 2.2.3 vVy isa’ku ;kstuk ¼,ihokbZ½ ih,QvkjMh, ds fuos”k fn”kkfunsZ”kksa ds vuqlkj] vVy isa”ku ;kstuk ¼,ihokbZ½] tks Hkkjr ds ukxfjdksa ,uih,l ds rgr loZ ukxfjd vlaxfBr {ks= ds fy, ds fy, ljdkjh isa”ku ;kstuk gS] vlaxfBr {ks= fuEufyf[kr ,Dlikst+j lhek fu/kkZfjr dh xbZ gS% Jfedksa ij dsafnzr gS A ,ihokbZ ds rgr :-1000@& 41Hkkx&II rkfydk la[;k 2.4: loZ ukxfjd@vlaxfBr fooj.k ,Dlikst+j lhek {ks= esa vkfLr;ksa dk vkoaVu ¼izfr’kr½ fooj.k ,Dlikst+j lhek ljdkjh izfrHkwfr;ka vkSj 55 izfr”kr rd lacaf/kr fuos”k ¼izfr’kr½ _.k midj.k vkSj lacaf/kr 45 izfr”kr rd bfDoVh vkSj lacaf/kr fuos”k 75 izfr”kr rd fuos”k _.k midj.k vkSj lacaf/kr 100 izfr”kr rd vYidkfyd _.k midj.k 10 izfr”kr rd fuos”k vkSj lacaf/kr fuos”k ljdkjh izfrHkwfr;ka vkSj 100 izfr”kr rd bfDoVh vkSj lacaf/kr fuos”k 15 izfr”kr rd lacaf/kr fuos”k lefFkZr vkfLr;ka] lajfpr 5 izfr”kr rd oSdfYid vkfLr;ka 5 izfr”kr rd U;kl vkSj fofo/k fuos”k vYidkfyd fuos”k ¼eqnzk 10 izfr”kr rd bl dksiksZjsV lhth ;kstuk ds rgr 2 isa”ku fuf/k;ksa ckt+kj] vYidkfyd E;wP;qvy vFkkZr~ ,yvkbZlh is”ku QaM fyfeVsM ;k ,lchvkbZ QaM~l vkSj vof/k tek½ isa”ku QaMl izkbosV fyfeVsM ds lkFk fuos”k fd, isa’ku fuf/k vkSj fuos’k pquko dks cnyus dk x, gSa A fodYi ii. vU; ;kstuk % ¼orZeku esa dksiksZjsV Hkkx ds blds vfrfjDr ,d foÙk o’kZ esa vfHknkrk }kjk isa”ku rgr miyC/k½ fuf/k dks ,d ckj vksj fuos”k fodYi dks nks ckj bl ;kstuk ds rgr fu;ksDrk }kjk deZpkfj;ksa ifjofrZr fd;k tk ldrk gSA dks isa”ku fuf/k vkSj@;k fuos”k ds rjhds 2.2.5 dksiksZjsV {ks= dk pquko djus dk mÙkjnkf;Ro lkSaik tk ldrk gS ;k fu;ksDrk vius deZpkfj;ksa dh dksiksZjsV {ks+= ls lacaf/kr vfHknkrkvksa ds fy, tgk¡ vksj ls is”ku fuf/k vkSj@;k thoupØ fuf/k fu;ksDrk }kjk muds deZpkfj;ksa ds fy, ,uih,l dks dk p;u dj ldrk gSA ,uih,l ls lacaf/kr viuk;k x;k gS] fuos”k fodYi vkSj p;u dks yphyk ;g igyw fu;ksDrk&deZpkjh izca/ku dk Hkkx cuk;k x;k gS curs gSa A fu;ksDrk vkSj vfHknkrk dks iz;qDr bl Hkkx ds rgr nks izdkj dh ;kstuk,a gSa % fuos”k rjhds ds vk/kkj ij fdlh ,d iathÑr is”ku fuf/k dks pquuk gksxk vkSj pkj vkfLr i. dksiksZjsV lhth ;kstuk % ;g ;kstuk lekIr oxksZa es vkfLr vkoaVu ds vkxs dh izfØ;k gks pqdh gS vkSj ;g dksiksZjsV Hkkx ds rgr fuEukuqlkj gksxh% miyC/k ugha gS ysfdu mu dksiksZjsV ds fy, tks igys ls gh ;kstuk ds rgr “kkfey gS vkSj x vkfLr oxZ bZ& bZfDoVh vkSj lacaf/kr fuos”k ftUgksaus bl ;kstuk dks cnyk ugha gS] vHkh Hkh x vkfLr oxZ lh& dksiksZjsV _.k vkSj lacaf/kr bl ;kstuk esa cus gq, gSaA midj.k ih,QvkjMh, ds fuos”k fn”kkfunsZ”kksa ds vuqlkj] x vkfLr oxZ th& ljdkjh ckaM vkSj lacafèkr ,uih,l ds rgr fuEufyf[kr ,DliksTk+j fuos”k lhek,a dksiksZjsV lhth {ks= ds fy, fu/kkZfjr dh xbZ gSaA x vkfLr oxZ ,& lh,ech,l] ,ech,l] vkjbZa- vkbZVh,l] ,vkbZ,Q] vkbZ,uoh,yVh,l lfgr rkfydk la[;k 2.5: dksiksZjsV {ks= esa vkfLr;ksa oSdfYid fuos”k fuf/k dk vkoaVu bl {ks= ds rgr vfHknkrk fdlh Hkh fuos”k iSVuZ 42okf"kZd fooj.k - 2021-22 vFkkZr~ ß,fDVo pkWblÞ ;k ßvkWVks pkWblÞ dk p;u dh frfFk ls 3 o’kZ dh vof/k rd ds fy, ykWdbu dj ldrk gS A vof/k gSA ih,QvkjMh, ds fuos”k fn”kkfunsZ”kksa ds vuqlkj] ykWdbu vof/k ds nkSjku dksbZ izR;kgj.k vuqKkr ugha ,uih,l ds rgr fuEufyf[kr ,DliksTk+j lhek,a gS] gkykafd] vfHknkrk dh e`R;q ds ekeys esa ukfefr@ fuèkkZfjr dh xbZ gSa % fof/kd okfjl }kjk dks”k izR;kgfjr fd;k tk ldrk gSA rkfydk la[;k 2.6: dksiksZjsV {ks= esa vkfLr;ksa dk vkoaVu ,uih,l ls fudklh ij fV;j&I [kkrk can gksus ij] ,uih,l&VhVh,l dh vuqefr ugha gksxh] tc rd fooj.k ,Dlikst+j lhek fd ykWdbu vof/k iw.kZ ugha gks tkrhA ¼izfr’kr½ VhVh,l ds laca/k esa fuEufyf[kr fuos”k lhek,a bfDoVh vkSj lacaf/kr fuos”k 75 izfr”kr rd fuèkkZfjr gSa % _.k midj.k vkSj lacaf/kr 100 izfr”kr rd rkfydk la[;k 2.7: VhVh,l ds laca/k esa vkfLr fuos”k oxZ lhek,a% ljdkjh izfrHkwfr;ka vkSj 100 izfr”kr rd lacaf/kr fuos”k vkfLr oxZ lhek,a ¼izfr’kr½ oSdfYid vkfLr;ka 5 izfr”kr rd bfDoVh 10&25 izfr”kr rd vYidkfyd fuos”k( eqnzk 10 izfr”kr rd _.k 90 izfr”kr bfDoVh rd ckt+kj] vYidkfyd E;wP;qvy udn@eqnzk ckt+kj@ 10 izfr”kr rd QaM~l vkSj vof/k tek½ fyfDoM E;qP;qvy QaMl isa’ku fuf/k vkSj fuos’k pquko dks cnyus dk isa’ku fuf/k vkSj fuos’k pquko dks cnyus dk fodYi fodYi blds vfrfjDr] vfHknkrk }kjk ,d foÙk o’kZ esa ,d blds vfrfjDr] vfHknkrk }kjk ,d foÙk o’kZ esa ,d ckj isa”ku fuf/k dks ,d ckj vkSj fuos”k fodYi dks ckj isa”ku fuf/k dks vkSj fuos”k fodYi dks nks ckj nks ckj ifjofrZr fd;k tk ldrk gSA ifjofrZr fd;k tk ldrk gSA gkykafd] VhVh,l vfHknkrkvksa dks i`Fkd~ :i ls vf/kdre 3 isa”ku 2.2.6 fV;j II dj cpr ;kstuk ¼VhVh,l½ fuf/k;ksa dks j[kus dk fodYi gS] tcfd isa”ku fuf/k ;g ;kstuk dsoy dsanz ljdkj ds ,uih,l vfHknkrkvksa ds ifjorZu dh vuqefr dsoy ykWdbu vof/k ds iw.kZ ds fy, miyC/k gSA vk;dj vf/kfu;e dh /kkjk 80 gksus ds ckn gksxhA lh ds rgr dj ykHkksa dks izkIr djus ds fy, dsanzh; izca/ku ds v/khu vkfLr;ksa dk ;kstukokj fooj.k vfHkys[kiky vfHkdj.k }kjk va”knku mi;ksftr djus fuEufyf[kr rkfydk esa fn;k x;k gS %& rkfydk la[;k 2.8: izca/ku ds v/khu vkfLr dk fooj.kw (jkf’k :Ik;s djksM+ esa) ;kstuk ekpZ&21 ekpZ&22 laiw.kZ o`f) o`f) dsanz ljdkj 1,81,416.26 2,16,883.09 jkT; ljdkj 2,91,959.92 3,69,743.33 mi dqy 4,73,376.17 5,86,626.42 1,13,250.25 23.92 dqy ,uih,l ykbV 36,929.68 47,343.05 43Hkkx&II ;kstuk ekpZ&21 ekpZ&22 laiw.kZ o`f) o`f) dqy ,ihokbZ 18,979.51 30,303.85 dqy dksiksZjsV lhth 9,686.52 15,509.97 dqy fV;j I&bZ 16,766.29 27,630.39 dqy fV;j I&lh 74.76 162.65 dqy fV;j I&th 850.98 1,424.50 dqy fV;j I&, 482.73 762.55 dqy fV;j II&bZ 835.49 1,214.08 dqy fV;j II&lh 2.12 6.75 dqy fV;j II&th 4,354.38 4,686.74 dqy fV;j II&VhVh,l 15,687.11 20,922.60 mi dqy 1,04,649.56 1,49,967.14 45,317.58 43.30 dqy ;ksx 5,78,025.74 7,36,593.56 1,58,567.82 27.43 *lzksr % ,uih,l U;kl mijksDr rkfydk n”kkZrh gS fd ljdkjh {ks= ds fy, fHkUu ;kstukvksa ds vuqlkj ;g vkSlru :- 45]317 ,uih,l ;kstukvksa ¼lhth vkSj ,lth½ ds rgr djksM ls c<+h gSA izca/ku ds v/khu ifjlaifÙk 23-92 izfr”kr ls c<+h tSlk Åij mYys[k fd;k x;k gS] vyx&vyx gS] gkykafd bu nksuksa ;kstukvksa ls fHkUu ;kstukvksa isa”ku ;kstuk,a vyx&vyx isa”ku fuf/k izca/kdksa ds fy, ds v/khu ifjlaifÙk yxHkx 43-30 izfr”kr }kjk izcafèkr gSa] lacaf/kr isa”ku fuf/k izca/kdksa ds rgr ls c<+h gSaA laiw.kZ :i ls] ljdkjh {ks= ;kstuk,a fofHkUu ;kstukvksa dh izca/ku ds v/khu ifjlaifÙk dk : 1]13]250 djksM+ ls c<+h gSA tcfd ljdkjh {ks= ls fooj.k fuEufyf[kr gS%& rkfydk la[;k 2.9: ekpZ] 2022 rd ds vuqlkj isa’ku fuf/kokj vkSj ;kstukokj ¼lhth] ,lth] ,uih,l ykbV] ,ihokbZ vkSj dksiksZjsV lhth½ izca/ku ds v/khu vkfLr;ka (jkf’k :Ik;s djksM+ esa) isa’ku fuf/k;ksa@ lhth ,lth ,uih,l ,ihokbZ dksiksZjsV dqy ;ksx ;kstukvksa dk uke ykbV lhth ,lchvkbZ isa”ku QaM izkbosV fyfeVsM 76,480.44 1,28,187.09 1,903.91 7,126.91 44,991.67 2,58,690.02 ,yvkbZlhisa”ku QaM fyfeVsM 69,678.87 1,21,709.06 1,369.96 6,916.23 2,351.38 2,02,025.50 ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM 70,723.78 1,19,847.18 1,339.49 6,879.46 1,98,789.91 44okf"kZd fooj.k - 2021-22 isa’ku fuf/k;ksa@ lhth ,lth ,uih,l ,ihokbZ dksiksZjsV dqy ;ksx ;kstukvksa dk uke ykbV lhth vkblZ hvkblZ hvkbZ iMzw fas”k;y i”as ku QMa l euS ts eVas dia uh fyfeVMs dksVsd efganzk isa”ku QaM fyfeVsM 73.38 73.38 ,pMh,Qlh i”as ku euS ts eVas dia uh fyfeVMs vkfnR; fcjyk lu ykbQ i”as ku euS ts eVas fyfeVMs dqy 2,16,883.09 3,69,743.33 4,686.74 20,922.60 47,343.05 6,59,578.81 rkfydk la[;k 2.10: 31 ekpZ 2022 ;kstukokj ¼bZ&A] lh&A] th&A] bZ&AA] lh&AA] th&AA] ,&A] VhVh,l&AA½ dh rqyuk esa isa’ku fuf/kokj izca/ku ds v/khu vkfLr (jkf’k :Ik;s djksM+ esa) isa’ku fuf/k;ksa@ ;kstuk ;kstuk ;kstuk ;kstuk ;kstuk ;kstuk ;kstuk ,uih,l dqy ;ksx ;kstukvksa ds uke bZ&1 lh&1 th&1 bZ&2 lh&2 th&2z ,&1 VhVh,l &2 ,lchvkbZ isa”ku QaM 35.69 2.22 23,785.63 izkbosV fyfeVsM 8,382.63 4,775.32 9,723.84 334.35 190.78 340.80 ,yvkbZlh isa”ku QaM 7.48 0.78 7,360.77 fyfeVsM 2,539.64 1,613.98 2,905.97 93.17 60.12 139.64 ;wVhvkbZ fjVk;jesaV 5.72 0.46 3,128.60 lksY;w”kal fyfeVsM 1,239.61 622.87 1,104.79 69.98 31.59 53.59 vkbZlhvkbZlhvkbZ 19.12 0.62 11,614.32 iwzMsaf”k;y isa”ku 4,606.44 2,393.60 4,042.38 228.44 135.38 188.32 QaMl eSustesaV daiuh fyfeVsM dksVsd efganzk isa”ku 5.78 0.31 2,156.55 QaM fyfeVsM 873.59 423.93 708.06 65.50 31.44 47.94 ,pMh,Qlh isa”ku 86.91 2.08 28,413.86 eSustesaV daiuh 12,427.46 5,568.25 8,983.22 614.53 303.11 428.30 fyfeVsM vkfnR; fcjyk 1.95 0.27 555.01 lu ykbQ isa”ku 234.48 112.01 162.14 18.54 10.12 15.48 eSustesaV fyfeVsM dqy 30,303.85 15,509.97 27,630.39 1,424.50 762.55 1,214.08 162.65 6.75 77,014.75 45Hkkx&II ekpZ 2021 dh rqyuk esa ekpZ 2022 ds vuqlkj izca/ku ds v/khu ifjlaifÙk dk vkfLr oxkZuqlkj f}foHkktu fuEufyf[kr gS%& rkfydk la[;k 2.11: izca/ku ds v/khu vkfLr dk vkfLr oxZokj f}foHkktu vkfLr oxZ 31 ekpZ 2021 31 ekpZ 2022 jkf’k ¼:i;s fuos’k dk jkf’k ¼:i;s fuos’k dk djksM+ esa½ izfr’kr djksM+ esa½ izfr’kr th&lsd 2,86,131.91 49 3,73,451.90 51 dksiksZjsV ckaM 1,76,412.24 30 2,03,071.95 28 bZfDoVh 91,400.25 16 1,21,423.93 16 REITs/Invits - - 1,052.55 0.1 eqnzk ckt+kj 15,346.52 3 25,734.55 3 udn vkSj dqy pkyw vkfLr;ka 8,733.82 2 11,858.68 2 dqy 5,78,025.74 100 7,36,593.56 100 pkVZ laa[;k 2.1: izca/ku ds v/khu vkfLr;ksa dk vkfLroxZokj f}foHkktu 2.3 isa’ku fuf/k ls lacaf/kr fofu;e] [k- isa’ku fuf/k fofu;ked vkSj fodkl vf/klwpuk] tkjh fd, x, izeq[k ifji=@ izkfèkdj.k ¼isa’ku fuf/k½ ¼ikapoka la’kks/ku½ fn’kkfunsZ’k fofu;e] 2021 fnukad 25 ebZ] 2021 d- isa’ku fuf/k fofu;ked vkSj fodkl O;fDrxr ;k la;qDr :Ik ls izk;kstd ds ikl izkfèkdj.k ¼isa’ku fuf/k½ ¼pkSFkk la’kks/ku½ fiNys ikap foÙk o’kksZa ds izR;sd ds vafre fofu;e] 2021 fnukad 1 vizSy 2021 fnol ij de ls de ipkl djksM+ :Ik;s dk ldkjkRed ewrZ fuoy ewY; gksxk vkSj vkosnu ;g la”kks/ku okf’kZd “kqYd vkSj izca/ku “kqYd dh frfFk ij U;wure iPphl djksM+ :Ik;s dh ds ekeys esa crkrk gSA izR;sd isa”ku fuf/k }kjk pqdrk bfDoVh iwath gksuh pkfg,A izkfèkdj.k ds ikl okf’kZd “kqYd vkSj czksdjst ,oa vfHkj{kd “kqYd dks NksM+dj ysunsu ls x- isa’ku fuf/k fofu;ked vkSj fodkl lacaf/kr lHkh “kqYdksa dk mu ij ykxw dj lfgr izkfèkdj.k ¼isa’ku fuf/k½ ¼NBk la’kks/ku½ tek fd;k tk,xk A fuos”k ewY; esa dsoy eksgj fofu;e] 2021 fnukad 15 tqykbZ] 2021 “kqYd vkSj czksdjst ml ij ykxw dj lfgr fofu;e 8 esa] [kaM ¼g½ ds mi&fofu;e ¼1½ dh “kkfey gksaxsA 46okf"kZd fooj.k - 2021-22 rhljh iafDr esa] Þmupkl izfr”krÞ dks ÞpkSgÙkj NVw nh xbZ FkhA vfHknkrkvk as d s fgr e as NVw dks izfr'krß ls izfrLFkkfir fd;k tk,xkA 31 tqykbZ 2021 rd c<k+ fn;k x;k gSA ?k- isa’ku fuf/k fofu;ked vkSj fodkl t- ,uih,l ykbV Lokcyacu vfHknkrkvksa dh izkfèkdj.k ¼isa’ku fuf/k½ ¼izfrHkwfr;ksa ds le;iwoZ fudklh vfHkj{kd½ fofu;e] 2021 ,sls Lokoyacu lnL; ftudh lafpr isa”ku jkf”k fnukad 22 flracj] 2021 ,d yk[k #i;s ls vf/kd ugha gS vkSj ;fn os vVy isa”ku ;kstuk ¼,ihokbZ½ esa LFkkukarfjr c”krsZ fd mlh lewg esa tgka isa”ku fuf/k ds ugha gks ldrsa] rks dqN “krksaZ ds lkFk ,deq”r izk;kstd] U;klh cSad ;k dsUnzh; vfHkys[kikyu Hkqxrku ds lkFk le; iwoZ fudklh dk fodYi vfHkdj.k ;k muds lg;ksxh] ,d laj{kd pqu ldrs gSaA dh iwath dk 50 izfr”kr ;k mlls vf/kd ds ernku dk vf/kdkj j[krs gSa] rks og dqN “krksZa >- dksfoM&19 izdksi ds dkj.k jk"Vªh; ds vèkhu vfHkj{kd cuus ds fy, vkosnu dj isa’ku iz.kkyh ¼,uih,l½ vkSj ,uih,l ldrs gSaA ykbV&Lokcyacu xfrfof/k;ksa ds fy, le;lhek esa NwV M- isa’ku fuf/k fofu;ked vkSj fodkl izkfèkdj.k ¼isa’ku fuf/k;ksa dk iathdj.k½ ih,QvkjMh, us dksfoM&19 egkekjh ds nkSjku fn’kkfunsZ’k] 2021] isa’ku fuf/k;ksa ds vkWu ljdkj }kjk fd, x, y‚dMkmu vkSj vU; Vsi iathdj.k ij fuokjd mik;ksa dks /;ku esa j[krs gq, ihvksih ds vuqjks/k ij le;lhek esa NwV nh FkhA p- ,uih,l ;kstukvksa ds fy, fuos’k fn’kkfunsZ’k& 2021 ¼;kstuk lhth] ;kstuk ¥- uksMy vf/kdkfj;ksa@mifLFkfr vfLrRoksa@ ,lth] dksiksZjsV lhth vkSj ,uih,lykbV dksiksZjsV ds ykHk ds fy, NACH tukns’k vkSj vVy isa’ku ;kstuk½ dk vkjaHkA ih,QvkjMh, }kjk ,uih,l ;kstukvksa ¼ljdkjh us”kuy isesaV~l d‚jiksjs'ku v‚Q bafM;k {ks= ls fHkUu ¼lhth vkSj ,lth½] dksiksZjsV lhth ¼,uihlhvkbZ½ }kjk lapkfyr ,u,lh,p ds vkSj ,uih,l ykbV vkSj vVy isa”ku ;kstuk½ ek/;e ls U;klh cSad ¼Vhch½ vkSj dsUnzh; ij vkfLr oxZ th ¼Js.kh i½ vkSj vkfLr oxZ vfHkys[kiky vfHkdj.k ¼lhvkj,½ }kjk la;qä lh ¼Js.kh ii½ ds laca/k esa fn”kkfunsZ”k tkjh fd, :i ls lapkfyr fd, x, us'kuy v‚VksesVsM x,A fDy;fjax gkml ¼,u,lh,p½ tukns'k dh “kq:vkr dh xbZA NACH tukns”k çkS|ksfxdh N- mifLFkfr vfLrRoksa }kjk fudkl vkosnuksa l{ke gS tks var rd lek/kku çnku djrk ds lalk/ku ij NwV gS vkSj va”knku fuf/k gLrkarj.k dk ,d lqjf{kr rjhdk gSA ,u,lh,p eSaMsV ds rgr] dkfsoM &19 egkekjh d s dkj.k vku s okyh lHkh uksMy dk;kZy;ksa dks ,uih,llh,,u esa pqukSfr;k as dk s /;ku e as j[kr s gq,] vfHknkrkvkas viyksM fd, x, ,llh,Q ds vk/kkj ij jkf’k d s fudklh vuqjk/s kk as dk s lla kf/kr dju s d s fy, ds lkFk vius cSad [kkrksa dks v‚Vks MsfcV djus fMftVy ek/;ek as }kjk fudkl nLrkots k as dh ds fy, ^ou&Vkbe eSaMsV jftLVªs”ku* çnku LdSu vkSj Lo&çekf.kr Nfo;k as dk s Lohdkj djus djuk gksxkA d s fy, mifLFkfr vfLrRok as ¼ihvkis h½ dk s fo'k"s k 47Hkkx&II V- mifLFkfr vfLrRoksa }kjk fudkl vkosnu lfoZlst fyfeVsM ¼lh,,e,l½ dks ih,QvkjMh, ds laLkk/ku esa NwV ¼lhvkj,½ fofu;e] 2015 ds rgr ,uih,l ds fy, dsUnzh; vfHkys[kiky vfHkdj.k ¼lhvkj,½ dksfoM &19 egkekjh ds dkj.k vkus okyh ds :i esa dk;Z djus ds fy, iathdj.k çek.ki= pqukSfr;ksa dks /;ku esa j[krs gq,] ,uih,l ¼lhvksvkj½ çnku fd;k gSA ds rgr mifLFkfr vfLrRoksa ¼ihvksih½ dks vfHknkrkvks ds fudklh vuqjks/kksa dks lalkf/kr r- dsUnzh; dsokbZlh fjdkWMZ jftLVªh ¼CKYCR½ djus ds fy, fMftVy ek/;eksa }kjk fudkl Hkkjr ljdkj us lsaVªy jftLVªh v‚Q nLrkostksa dh LdSu vkSj Lo&çekf.kr Nfo;ksa flD;ksfjVkbts’ku ,aM ,lsV fjdaLVªD'ku dks Lohdkj djus ds fy, fo'ks"k NwV çnku ,aM flD;ksfjVh baVjsLV v‚Q bafM;k dh xbZ FkhA ;g ih,QvkjMh, }kjk ,d ckj ¼lhbZvkj,l,vkbZ½ dks ih,e,y fu;e 2005 ckgj fudyu@vkgj.k ds fy, HkkSfrd vkosnu ds rgr dsaæh; dsokbZlh fjd‚MZ~l jftLVªh ds tek djus vkSj ihvksih ds lkeus vkus okyh :i esa dk;Z djus vkSj nkf;Ro fuHkkuss ds fy, y‚ftfLVd pqukSfr;ksa dks de djus ds fy, vf/k—r fd;k gS] ,uih,l ds rgr ihvksih dks mBk, x, çeq[k dneksa esa ls ,d gSA lhdsokbZlh iathdj.k ds fy, lhbZvkj,l,vkbZ B- vkWuykbu vk/kkj bZ dsokbZlh ds ek/;e ls ds lkFk iathdj.k dh lykg nh xbZ FkhA ,uih,l vkWucksfMZax dh lqfo/kk 2.4 fujh{k.k ih,e,y, 2002 dh /kkjk 11 , d s rgr foÙk o’kZ 2021&22 ds nkSjku] 7 isa”ku fuf/k;ksa dk ;vw kbMZ h,vkb Z l s v‚uykbu vk/kkj b&Z çek.khdj.k fujh{k.k fuEukuqlkj gS % los kvk as dk s ‘k:q dju s d s fy, jktLo foHkkx] Hkkjr ljdkj l s vueq kns u d s vulq kj ,uih,l lHa kkfor i. ,lchvkbZ isa”ku QaM~l izkbosV fyfeVsM vfHknkrkvk as dh v‚u&ckfsMxZa çfØ;k dk s vklku cuk fn;k x;k Fkk] ,u,lMh,y & lhvkj, us ii. ,yvkbZlh is”ku QaM fyfeVsM vk/kkj dk s l{ke fd;k gAS b Z ,uih,l epa ea s iii. ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM vfHknkrk ita hdj.k d s fy, vk/kkfjr v‚uykbu b&Z dos kblZ h çek.khdj.k dk;{Z kerkA iv. ,pMh,Qlh isa”ku eSustesaV daiuh fyfeVsM M- ,uih,l ds rgr daI;wVj ,t eSustesaV v. vkbZlhvkbZlh iwzMsaf”k;y isa”ku QaM~l eSustesaV lfoZl fyfeVsM (CAMS) dh dsUnzh; daiuh fyfeVsM vfHkys[kiky vfHkdj.k ds :i esa fu;qfDr vi. dksVsd efgUnzk isa”ku QaM fyfeVsM ,uih,l ds rgr çfrLi/kkZ c<+kus vkSj vfHknkrkvksa dks csgrj lsok,a çnku djus ds vii. vkfnR; fcjyk luykbQ isa”ku eSustesaV fyfeVsM fy,] ih,QvkjMh, us daI;wVj ,t eSustesaV 48okf"kZd fooj.k - 2021-22 Hkkx III izkf/kdj.k ds dk;Z ;g v/;k; isa’ku fuf/k fofu;ked vkSj fodkl dgk tkrk gS] ds vfHkys[kikyu ds fy, ftEesnkj izkf/kdj.k vf/kfu;e] 2013 dh /kkjk 14 ds vuqlkj gksrk gS vkSj ,uih,l lajpuk esa leUo;d ds jk”Vªh; isa'ku iz.kkyh rFkk isa'ku ;kstukvksa ds Øfed :i esa dk;Z djrk gS] U;klh cSad] /ku vkSj cSafdax lqfo/kkvksa ds nSfud çokg ds fy, ftEesnkj gS] isa'ku fodkl ds fy, izkfèkdj.k ds dÙkZO;] ‘kfDr rFkk fuf/k;ka ¼ih,¶l½ ih,QvkjMh, }kjk fu/kkZfjr fuos'k dk;ksZa ij ppkZ djrk gS] tks fd bl iz.kkyh vkSj fn'kkfunsZ'kksa ds vuqlkj ,uih,l ds rgr 'kkfey ;kstukvksa esa vfHknkrkvksa ds fgrksa dh j{kk ds laca/k fd, x, vfHknkrkvksa dh isa'ku ifjlaifÙk;ksa dk esa gSA fuos'k vkSj çca/ku djus ds fy, vfuok;Z gS vkSj izkf/kdj.k ds dk;Z okf"kZdh lsok çnkrkvksa ¼,,lih½ dks vfHknkrkvksa ds lkFk ,d ekfld okf"kZdh isa'ku çnku djus ds fy, 3-1 e/;LFk bdkbZ;ksa dk iathdj.k vkSj ,sls ih,QvkjMh, ds lkFk lwphc) fd;k x;kA iathdj.k dk fuyacu] fujlu vkfn% vkSj jk"Vªh; isa'ku iz.kkyh ;k vU; isa'ku ;kstukvksa ls i) ljdkjh {ks= & dsaæh; vkSj jkT; Lok;Ùk laacaf)r bdkbZ;ksa ds fØ;kdykiksa dk fofu;euA fudk; ih,QvkjMh, vf/kfu;e] 2013 dh /kkjk 14 jk"Vªh; Lok;Ùk fudk;ksa dk iathdj.k % dsaæh; vkSj jkT; isa’ku ç.kkyh vkSj isa'ku ;kstukvksa ds Øfed fodkl Lok;Ùk fudk;ksa dks muds lkFk&lkFk dsaæh; ea=ky;ksa dks fofu;fer djus] c<+kok nsus vkSj lqfuf'pr djus ds lacaf/kr foÙkh; lykgdkjksa vkSj jkT; ljdkjksa ds vkSj ,slh ç.kkyh vkSj ;kstukvksa ds vfHknkrkvksa ds uksMy vf/kdkjh ds lkFk ppkZ djds iath—r djus fgrksa dh j{kk djus ds fy, çkf/kdj.k ds drZO;ksa] ds fy, fujarj ç;kl fd, x, gSaA ih,QvkjMh, us 'kfä;ksa vkSj dk;ksaZ dks fu/kkZfjr djrh gSA jkT; ljdkjksa dks ,l,chTk ds iathdj.k ds fy, fn'kkfunsZ'kksa vkSj lwpukvksa dks lqO;ofLFkr djus dh jk"Vªh; isa’ku ç.kkyh vkSj dksbZ Hkh vU; isa'ku ;kstuk fn’kk esa Hkh enn dhA tks ih,QvkjMh, }kjk dsaæ vkSj jkT; ljdkj esa cM+h la[;k esa bdkbZ;ksa tSls osru ,oa ys[kk dk;kZy;ksa@ blds vfrfjDr] dsUnz ljdkj vkSj jkT; ljdkj }kjk dks"kkxkj dk;kZy;ksa ds ek/;e ls lapkfyr dh tkrh tkjh fufnZ’V fn”kkfunsZ”kksa ds vuqikyu dks lqfuf”pr gS] os ,uih,ldSu ij ljdkjh deZpkfj;ksa dh vkof/kd djus ds fy, lh,cht+ vkSj ,l,cht+ ls lgefr ,uih,l lnL;rk ds iathdj.k vkSj viyksM ds fy, i= lalkf/kr ¼,yvkslh½ djuk vkSj lkFk gh dh xbZ ftEesnkj gSa] mifLFkfr vfLrRo ¼ihvksih½ tks cSad] iwoZ&iathdj.k izfØ;k ds nkSjku ,uih,l ds iz”uksa dks xSj&cSafdax foÙkh; daifu;ka ¼,uch,Qlh½] lw{e foÙk fuiVkus dk dk;Z fØ;kfUor fd;k tkrk gSA laLFkku ¼,e,QvkbZ½ vkfn gSa] d‚iksZjsV~l] futh {ks= vkSj vlaxfBr {ks= ds fu;ksäk ds fy, ,uih,l foÙk o’kZ 2021&22 esa lalkf/kr lgefr i= lnL;rk ds iathdj.k vkSj viyksM esa lgk;rk (i) lh,cht+& 20 (ii) ,l,cht+& 119 djrs gSa] ladyudrkZ fo'ks"k :i ls vukSipkfjd {ks= esa laHkkfor vfHknkrkvksa rd igqapus esa enn 31 ekpZ 2022 rd ds vuqlkj izeq[k ys[kk dk;kZy;@ djrs gSa] dsUæh; vfHkys[kiky vfHkdj.k ¼lhvkj,½] MhVh,] ih,vks@MhVhvks vkSj MhMhvksa dh La[;k tks vfHknkrkvksa ds O;fäxr isa'ku [kkrksa ftUgsa çku fuEukuqlkj nh xbZ gS%& 49Hkkx&III rkfydk la[;k 3.1: izeq[k ys[kk dk;kZy;@MhVhvks vkSj MhMhvks dh la[;k {ks= izeq[k ys[kk izeq[k ys[kk izeq[k ys[kk Ikh,vks@ MhMhvks MhMhvks dk;kZy;@ dk;kZy;@ dk;kZy;@ MhVhvks dh dh MhVh, MhVh, dh MhVh, dh la[;k la[;k dh la[;k la[;k dh la[;k la[;k ¼2021½ ¼2022½ ¼2021½ ¼2021½ dsanz ljdkj 134 144 2,987 3,027 16,221 16,375 dsanzh; Lok;Ùk fudk; 631 651 1,989 2,019 4,088 4,126 dqy 765 795 4,976 5,046 20,309 20,501 rkfydk la[;k 3.2: MhVh,@MhVhvks@MhMhvks dh la[;k {ks= MhVh, MhVh, MhVhvks MhVhvks MhMhvks MhMhvks dh la[;k dh la[;k dh la[;k dh la[;k dh la[;k dh la[;k ¼2021½ ¼2022½ ¼2021½ ¼2022½ ¼2021½ ¼2022½ jkT; ljdkj 72 74 1,986 2,402 2,21,463 2,25,103 jkT; Lok;Ùk fudk; 560 612 5,242 5,522 13,855 15,827 dqy 632 686 1,490 7,564 2,35,318 2,40,930 rkfydk la[;k 3.3: foÙk o"kZ 2021&22 ds nkSjku u, lh,cht+ vkSj ,l,cht+ dk iathdj.k fooj.k 31 ekpZ 2022 rd ds 31 ekpZ 2022 rd foÙk o"kZ 2021&22 ds vuqlkj ds vuqlkj nkSjku iathdj.k lh,cht+ 651 630 21 ,l,cht+ 1,578 1,459 119 rkfydk la[;k 3.4: foÙk o"kkZuqlkj u, iathÑr lh,cht+ vkSj ,l,cht foÙk o"kkZuqlkj izn’kZu foÙk o"kZ foÙk o"kZ foÙk o"kZ foÙk o"kZ foÙk o"kZ 2017&18 2018&19 2019&20 2020&21 2021&22 u, iathÑr lh,cht+ 25 25 24 27 21 u, iathÑr ,l,cht+ 272 107 133 141 119 lzksr% ,l;wih ¼lh,ch@,l,ch½ ih ,aM Mh ¼lh,ch@,l,ch½ 31 ekp]Z 2022 rd] ,uih,l d s rgr dyq 1]578 bld s vykok] 31 ekp Z 2022 rd 311 mifLFkfr vfLrRo jkT; Lok;Ùk fudk; vkjS 651 dæas h; Lok;Ùk fudk; ¼lhvkj, d s lkFk ita h—r½] rhu dnas hz; vfHky[s kiky ita h—r gAaS vfHkdj.k] ,d U;klh cdaS ] lkr i'as ku fuf/k;k a vkjS pknS g okf"kdZ h los k çnkrk gAaS 50okf"kZd fooj.k - 2021-22 ii) mifLFkfr vfLRkRo ¼ihvksih½ ihvksih fofu;e] 2018] ds rgr ih,QvkjMh, us ihvksih dk iathdj.k% gkykafd] vVy isa'ku ;kstuk mifLFkfr vfLrRoksa ¼ihvksiht½] ihvksih&,lbZt dks ¼,ihokbZ½ ih,QvkjMh, }kjk ç'kkflr gS] ysfdu iathdj.k çek.ki= tkjh fd, gSa] 31 ekpZ 2022 rd ,ihokbZ lsokvksa dh is'kd'k djus okyh laLFkkvksa ds ds vuqlkj tkjh fd;s x, iathdj.k çek.ki=ksa dh fy, dksbZ fu;e ugha FksA ih,QvkjMh, ds fu;ked la[;k fuEukuqlkj gS % nk;js esa ,ihokbZ dks ykus ds fy,] ih,QvkjMh, (i) mifLFkfr vfLrRo & 311 ¼ihvksih½ fofu;e] 2018 dks vf/klwfpr fd;k x;k Fkk vkSj ihvksih dh ,d vyx Js.kh ds :i esa ,ihokbZ (ii) mifLFkfr vfLrRo&lsokçnkrk & 50 dks Hkh blds rgr 'kkfey fd;k x;k FkkA foÙk o’kZ 2021&22 ds fy, ,uih,l futh {ks= esa 86 ekStwnk fofu;eksa ds rgr mifLFkfr vfLRkRoksa mifLFkfr vfLrRoksa ds ek/;e ls ukekadu fd, x,A dh Jsf.k;ka fuEukuqlkj gS% foÙk o’kZ ds nkSjku yksxksa dks cM+s Lrj ij ,uih,l lsok,a iznku djus ds fy, 5 mifLFkfr vfLrRoksa dks (i) jk’Vªh; isa”ku ç.kkyh ¼,uih,l½& HkkSfrd vkSj lfØ;@ifjpkfyr fd;k x;kA lkFk gh v‚uykbu eapksa ds ek/;e ls cM+s iSekus ij turk ds fy, forj.k vkSj lsok çnku iii) isa’ku fuf/k;ka djukA isa”ku fuf/k ds izk;kstdksa ds p;u ds fy, vuqjks/k (ii) jk’Vªh; isa'ku ç.kkyh ¼,uih,l½ & dsoy izLrko ¼vkj,Qih½ fnukad 23-12-2020 ds rgr dksVsd v‚uykbu eapksa ds ek/;e ls cM+s iSekus ij efgUnzk vlsV eSustesaV daiuh fyfeVsM vkSj dksVsd ukxfjdksa ds fy, forj.k vkSj lsok çnku efgUnzk cSad fyfeVsM dks izk;kstd dk fu;qfDr i= djukA fnukad 19-05-2021 dks tkjh fd;k x;kA (iii) jk’Vªh; isa”ku ç.kkyh ¼,uih,l½ & dsoy dksVd efgUnzk isa”ku QaM fyfeVsM dks vuqjks/k izLrko HkkSfrd ;k v‚uykbu eapksa ds ek/;e ls vius fnukad 23-12-2020 ds rgr fnukad 01-06-2021 dks deZpkfj;ksa vkSj vU; dfeZ;ksa ds fy, forj.kA iathdj.k çek.k i= ¼lhvksvkj½ tkjh fd, x, gSaA c'krsZ fd dsoy ,slh laLFkkvksa dks dk;Z djus fnukad 01-07-2021 dks tkjh ih,QvkjMh, dh vuqefr gksxh ftUgksaus vius deZpkfj;ksa ¼jftLVsª”ku vkWQ isa”ku QaM~l xkbMykbUl½] 2021 dks deZpkjh Hkfo’; fuf/k vkSj fofo/k çkoèkku ds rgr p;fur isa”ku fuf/k ds izk;kstdksa ds :Ik vfèkfu;e] 1952 ;k deZpkjh jkT; chek esa fuEufyf[kr bdkbZ;ksa dks fnukad 24-09-2021 dks vfèkfu;e] 1948 ;k oLrq vkSj lsok vfèkfu;e] fu;qfDr i= tkjh fd, x,A 2017 ds çko/kkuksa ds rgr lkekftd lqj{kk ykHk ds rgr “kkfey fd;k x;k gS vkSj vkosnu i. VkVk vlsV eSustesaV izkbosV fyfeVsM dh frfFk ls nks o’kZ ls de le; ds fy,] mä vfèkfu;eksa ds rgr vf/kdkfj;ksa ds lkFk ii. eSDl ykbQ ba”;ksjsal daiuh fyfeVsM iath—r gS *bl LySc ds rgr ;wVhvkbZ vkj,l,y 0-07 izfr”kr (iv) ,uih,l ykbV ;kstuk “kqYd ysxkA (v) vVy isa”ku ;kstuk isa’ku fuf/k }kjk LySc lajpuk ij yxk;k tkus okyk vkbZ,e,Q isa'ku fuf/k }kjk çcaf/kr lHkh ;kstukvksa (vi) çkf/kdj.k }kjk fofu;fer vkSj ç”kkflr dksbZ ds rgr isa'ku fuf/k ds dqy ,;w,e ij gksxk vkSj Hkh vU; ;kstuk bldh x.kuk pkj n'keyo fcanqvksa rd dh tk,xh 51Hkkx&III vkSj bls dkV fn;k tk,xkA vkbZ,e,Q dh bu njksa fuos'k fn'kkfunsZ'kksa esa ifjorZu dk Li"Vhdj.k % dh leh{kk çkf/kdj.k }kjk dk;kZUo;u dh rkjh[k ls i. rhu o"kZ dh vof'k"V ifjiDork okyh çfrHkwfr;ksa ikap ¼5½ o"kksaZ dh vof/k esa dh tk,xhA esa fuos'k iwoZ ds fn'kk&funsZ'kkaas@ekunaMksa ds fuos’k çca/ku 'kqYd dh mijksä njsa czksdjst] vuqlkj fd;k tk,xk dLVksfM;u 'kqYd vkSj ml ij ykxw djksa dks NksM+dj] ii. fnukad 16-07-2020 ds ckn tkjh lHkh u, dsoy bfDoVh ysunsu ij isa'ku fuf/k @ 0-03% thvksvkbZ&Qqyh lfoZLM c‚UM dks ljdkjh ¼czksdjst ij ykxw djksa lfgr½ }kjk ;kstuk ds fy, çfrHkwfr;ksa vkSj lacaf/kr fuos'k@,lsV Dykl vf/kdre czksdjst dh vuqefr ds v/khu gSaA vU; ^th* ds rgr oxhZ—r fd;k tk,xkA lHkh ykxrsa isa'ku fuf/k }kjk ogu dh tk,axh vkSj isa'ku fuf/k }kjk ;kstuk ds fy, çfriwfrZ ;k çHkkfjr fcjyk lu ykbQ isa”ku eSustesaV fyfeVsM dks ugha dh tk,xhA iathdj.k çek.k i= ds iquoSZ/khdj.k vkSj vof/k fuos”k fn”kkfunsZ”kksa esa ifjorZu ij Li’Vhdj.k % foLrkj ds fy, i= tkjh fd;k x;kA vkfnR; fcjyk lu ykbQ isa'ku eSustesaV fyfeVsM dks rkfydk la[;k 3.5: 1 vizSy 2021 ls fuos’k cnys gq, uke esa iathdj.k dk u;k çek.k i= izcaèku 'kqYd tkjh fd;k x;k gSA ,;w,e dk LySc vf/kdre fuos’k izcaèku iv) lsokfuo`fÙk lykgdkj 'kqYd ¼izfr’kr esa½ ih,QvkjMh, ¼lsokfuo`fÙk lykgdkj½ fofu;e] 10]000 djksM+ rd 0.09* 2016 vkSj ckn ds la'kks/kuksa esa ifjHkkf"kr ik=rk 10]001&50]000 djksM+ 0.06 ekunaM ds vuqlkj vkosnuksa ds ewY;kadu ds 50]001&1]50]000 djksM+ 0.05 ckn iathdj.k dk çek.k i= tkjh fd;k x;k 1]50]000 djksM+ ls Åij 0.03 FkkA *bl LySc ds rgr UTI RSL 0.07% LySc “kqYd ysxkA foÙk o"kZ 2021&22 ds nkSjku] ,uih,l lajpjuk ds rgr 23 O;fäxr lsokfuo`fÙk lykgdkj vkSj isa'ku fuf/k }kjk LySc lajpuk ij yxk;k tkus okyk O;fäxr lsokfuo`fÙk lykgdkjksa ds vfrfjDr 4 vkbZ,e,Q isa'ku fuf/k }kjk çcaf/kr lHkh ;kstukvksa vkj, iath—r fd, x, FksA iathdj.k çfØ;k ds rgr isa'ku fuf/k ds dqy ,;w,e ij gksxk vkSj dks rsth ls fu’ikfnr djus ds fy,] iathdj.k bldh x.kuk pkj n'keyo fcanqvksa rd dh tk,xh dk v‚uykbu eap miyC/k gS] tgka vkosnd vkSj blds Ik”pkr~ bls lekIr dj fn;k tk,xkA v‚uykbu vkosnu dj ldrs gSaA vkbZ,e,Q dh bu njksa dh leh{kk çkf/kdj.k }kjk dk;kZUo;u dh rkjh[k ls ikap ¼5½ o"kksaZ dh vof/k esa v) dsUnzh; vfHkys[kiky vfHkdj.k dh tk,xhA d- fofu;eksa dk la’kks/ku] vf/klwpuk vkSj fuos’k çca/ku 'kqYd dh mijksä njsa czksdjst] vfHkj{kd la’kks/ku dk izlkj ‘kqYd vkSj ml ij ykxw djksa dks NksM+dj] dsoy bfDoVh ysunsu ij isa'ku fuf/k }kjk ;kstuk ds fy, isa”ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vf/kdre ds 0-03 izfr”kr ¼czksdjst ij ykxw djksa ¼dsanzh; vfHkys[kiky vfHkdj.k½ ¼nwljk lfgr½ czksdjst dh vuqefr ds v/khu gSaA vU; lHkh la”kksèku½ fofu;e] 2020 dks lhvkj, ds fy, ykxrsa isa'ku fuf/k }kjk ogu dh tk,axh vkSj isa'ku ;ksX;rk] “kklu] izca/ku vkSj ifjpkyu O;ogkj fuf/k }kjk ;kstuk ds fy, çfriwfrZ ;k “kqYd izHkkfjr ekunaMksa dks fu/kkZfjr djus vkSj dsanzhÑr ugha fd;k tk,xkA vfHkys[kikyu rFkk lHkh vfHknkrkvksa ds fy, 52okf"kZd fooj.k - 2021-22 xzkgd lsok dk;ksZa dks djus ds fy, tkjh ¼U;klh cSad½ fofu;e 2015 ds fu;e 13 vkSj fd;k x;kA mlds la'kks/kuksa ds vuqlkj çkf/kdj.k }kjk fuyafcr ;k jí ugha fd;k tkrk gSA ,e@,l ,u,lMh,y bZ&xoZusal baÝkLVªDpj fyfeVsM ¼vc izksfV;u½ ds dsanzh; vfHkys[kiky vii) ,uih,l U;kl vfHkdj.k ds :i esa dk;Z djus ds fy, isa”ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k iathdj.k ds dk;Zdky esa 01 vizSy] 2020 ls ¼jk’Vªh; isa”ku iz.kkyh U;kl½ ¼nwljk la”kks/ku½ 31 ekpZ 2021 rd vkxs dh ,d o’kZ dh vof/k fofu;e] 2020 dks jk’Vªh; isa”ku iz.kkyh U;kl ds fy, ;k ih,QvkjMh, ¼lhvkj,½ fofu;e] 2015 vkSj mlds la”kks/kuksa ds rgr iathdj.k ds U;kfl;ksa ds cksMZ esa U;klh “kklu esa Lka”kksèku izek.ki= iznku djus dh frfFk] tks Hkh igys djus ds fy, tkjh fd;k x;kA gks] rd ds fy, c<+k;k x;k gSA 31 ekpZ 2022 ds vuqlkj ,uih,l U;klh cksMZ gky gh esa] ih,QvkjMh, ¼dsanzh; vfHkys[kiky ds U;kfl;ksa dk fooj.k vfHkdj.k½ fofu;e] 2015 ds rgr daI;wVj 1. Jh vruq lsu v/;{k vkSj U;klh ,t eSusteSaV lfoZl fyfeVsM ¼lh,,e,l½ dks iathdj.k izek.k i= iznku fd;k x;k 2. Jh lq/khj “;ke U;klh gSA gkykafd] 31 ekpZ] 2021 rd ds vuqlkj lhvkj,&lh,,e,l dk ifjpkyu “kq: djuk 3. Jh :fpj feÙky U;klh “ks’k gSA rhljs dsUnzh; vfHkys[kiky vfHkdj.k us 4. MkW- ih-lh tkQj U;klh 17 ekpZ 2022 ls bZ,uih,l eaPk dk ifjpkyu “kq: dj fn;k gSA gkykafd] vHkh Hkh blds }kjk 5. Jh ts ds “kekZ U;klh iw.kZ :Ik ls ifjpkyu fd;k tkuk “ks’k gSA 6. Jh fnus”k dqekj esgjks=k U;klh vi) U;klh cSad 7. Jh jk/kkÑ’.ku uS;j U;klh dksbZ fofu;ked ifjorZu ugha fd, x,A gkykafd] okf’kZd “kqYd vkSj vuqikyu izek.ki= 8. Jh latho pkuuk U;klh dk le; ls ladyu lqfuf”pr fd;k x;k FkkA 9. Jh lwjt Hkku U;klh ih,QvkjMh, ¼U;klh cSad½ fofu;e] 2015 vkSj 10. Jh okbZ osadV jko U;klh mlds la'kks/kuksa ds rgr ih,QvkjMh, }kjk 12 vDVwcj 2020 dks U;klh cSad ds p;u ds 11. lqJh fp=k t;flEgk U;klh fy, tkjh vuqjks/k izLrko ¼vkj,Qih½ ds mÙkj esa] ,fDll cSad fyfeVsM dks ,uih,l ds rgr viii) fudkl vkSj okf"kZdh lsok iznkrk ¼,,liht+½% U;klh cSad ds :i esa fu;qä fd;k x;k gSA d- la’kks/ku] vf/klwpuk vkSj fofu;eksa ds ,fDll cSad dks ,uih,l U;klh cSad ds :i esa la’kks/ku dk izlkj tkjh fd;k x;k iathdj.k çek.k i= 8 tuojh ih,QvkjMh, ¼,uih,l ds rgr fudkl vkSj 2021 ls ykxw gS vkSj ;g iathdj.k çek.k izR;kgj.k½ ¼la”kks/ku½ fofu;e 2020 dks ,uih,l i= çnku djus dh rkjh[k ls ikap lky dh ykbV vfHknkrkvksa ds ljy fudkl dh lqfo/kk vof/k ds fy, oS/k gS vkSj bls rc rd ds fy, ds fy, tkjh fd;k x;k gSA çnku fd;k x;k gS] tc rd fd ih,QvkjMh, 53Hkkx&III 3-2 ;kstukvksa dk vuqeksnu] isaa’ku fuf/k ds fyfeVsM vkSj ,yvkbZlh isa”ku QaM fyfeVsM ds fy, dks"k izca/ku lfgr mudh fu;e ,oa 'krsZa vkSj 34%33%33 FkkA ,slh ;kstukvksa ds rgr fuos’k fn’kkfunsZ’k jkT; ljdkj ds deZpkfj;ksa vkSj jkT; Lok;Ùk fudk;ksa ds deZpkfj;ksa ds fy, ykxw ;kstuk izkf/kdj.k }kjk iz”kkflr ;kstukvksa dk fooj.k fjiksVZ ds fy, foÙk o’kZ 2021&22 ds fy, ifjlaifÙk;ksa dk ds Hkkx II ls ns[kk tk ldrk gS A çcaèku ,lchvkbZ isa”ku QaM çkbosV fyfeVsM] ;wVhvkbZ foÙkh; lsok,a foHkkx ¼Mh,Q,l½ }kjk tkjh vfèklwpuk fjVk;jesaV l‚Y;w'ku fyfeVsM vkSj ,yvkbZlh isa”ku Qk-la-1@3@2016&ihvkj fnukad 31-01-2019 ds QaM fyfeVsM dks 31%34%35 Øe”k% ds vuqikr esa vuqlkj ,uih,l ds rgr ,d fMQkWYV ;kstuk ds fd;k x;k gS] tcfd iwoZ esa vkoaVu dk ;g vuqikr :i esa ekStwnk dsanz ljdkj ;kstuk vkSj foÙk o’kZ ,lchvkbZ isa'ku çkbosV fyfeVsM fyfeVsM] ;wVhvkbZ 2020&21 ds fy, dsanz ljdkj rFkk jkT; ljdkj fjVk;jesaV l‚Y;w'ku fyfeVsM vkSj ,yvkbZlh isa'ku QaM fyfeVsM ds fy, 38-5%32-5%29-5 FkkA {ks=ksa ds rgr ekStwnk vkSj u, ljdkjh vfHknkrkvksa ds fy, jkT; ljdkj ;kstuk@fMQkWYV ;kstuk ds rgr 3.3 jk"Vªh; isa’ku iz.kkyh ls vfHknkrkvksa dk o`f)”khy lnL;rk ds fy, /ku dk vkoaVu isa”ku fudkl fuf/k;ksa esa forfjr fd;k x;k A 3.3.1 ih,QvkjMh, ¼,uih,l ds rgr fudkl blds vfrfjDr foÙk o’kZ 2021&22 ds fy, dsanz vkSj izR;kgj.k½ fofu;e 2015 vkSj mlds la’kks/kuks ljdkj vkSj dsanzh; Lok;Ùk fudk; ds rgr izca/ku ds rgr fuEufyf[kr izR;kgj.k Jsf.k;ka LohÑr gSa% ds v/khu ifjlaifÙk;ka ,lchvkbZ isa”ku QaM izkbosV fyfeVsM] ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM (i) jk"Vªh; isa’ku iz.kkyh ls vfHknkrkvksa dk fudkl vkSj ,yvkbZlh isa”ku QaM fyfeVsM ds fy, 38%32%30 ¼29 twu 2020 ls izHkkoh½ esa vkoafVr fd;k x;k gSA Ikh,QvkjMh, ¼,uih,l ls fudkl vkSj izR;kgj.k½ tcfd iwoZ esa ;g vkoaVu vuqikr ,lchvkbZ isa”ku fofu;e 2015 ds vuqlkj fuEufyf[kr fudkl Jsf.k;ka QaM izkbosV fyfeVsM] ;wVhvkbZ fjVk;jesaV lksY;w”kal vuqKIr gSa % rkfydk la[;k 3.6: ih,QvkjMh, ¼,uih,l ds rgr fudkl vkSj izR;kgj.k½ fofu;e 2015 vkSj la’kks/ku Ø-la izR;kgj.k Jsf.k;ka ljdkjh {ks= esa 'krsZa xSj&ljdkjh {ks= esa 'krsZa 1 lkekU; vf/kof"kZrk vfHknkrk ds lafpr isa'ku /ku ds U;wure ljdkjh {ks= ds leku ij 40% dk mi;ksx ekfld isa'ku çnku djus gsrq okf"kZdh 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 miyC/k lafpr isa'ku jkf'k 2 yk[k ;k 2 yk[k ls de gS rks vfHknkrk ds ikl lEiw.kZ isa'ku laifÙk dks fcuk okf"kZdh Ø; fd, okil ysus dk fodYi gksxkA 54okf"kZd fooj.k - 2021-22 gkykafd] fudkl fn”kkfunsZ”kksa vFkkZr~ 14 twu 2021 dks vf/klwfpr esa dqN ifjorZu fd, x, gSa] ftuesa LFkk;h lsokfuo`fÙk [kkrsa esa laafpr isa”ku laifÙk dks ikap yk[k :i;s ;k mlls de jkf”k] tSlk Hkh izkf/kdj.k }kjk lhek fu/kkZfjr dh tk, ds :i esa la”kksf/kr fd;k x;k gSA 2 Ek`R;q ij vfHknkrk ds lafpr isa'ku /ku ds U;wure ;fn 60 o"kZ ;k mlls vf/kd dh 80% dk mi;ksx ifr@iRuh dks ekfld vk;q çkIr djus ls igys vfHknkrk isa'ku çnku djus gsrq okf"kZdh Ø; djus dh e`R;q gks tkrh gS] rks vfHknkrk ds fy, fd;k tkuk pfg, vkSj 'ks"k jkf'k dh iwjh lafpr isa'ku laifÙk dk ukferh@fof/kd okfjl dks ,deq'r :i ukfefr ;k ukfer;ksa ;k dkuwuh ls nh tkrh gS A mÙkjkf/kdkfj;ksa dks Hkqxrku fd;k tk,xkA ;fn çku esa lafpr jkf'k e`R;q ds le; 2 yk[k ;k mlls de gksxh] ukferh ;k e`rd vfHknkrk ds ukekafdr O;fä fof/kd okfjl ds ikl lEiw.kZ isa'ku laifÙk ;k ifjokj ds lnL;ksa ds ikl ;g dks fcuk okf"kZdh Ø; fd, okil ysus dk fodYi gksxk fd ;fn os pkgsa] fodYi gksxkA rks e`rd vfHknkrkvksa ds LFkk;h lsokfuo`fÙk [kkrs ij fudkl ykHk gkykafd] fudkl fn”kkfunsZ”kksa vFkkZr~ 14 ds fy, vkosnu djrs gq, fudkl twu 2021 dks vf/klwfpr esa dqN ifjorZu ds le; mUgsa isa”k dh tkus okyh fd, x, gSa] ftuesa LFkk;h lsokfuo`fÙk okf’kZfd;ksa esa ls ,d okf’kZdh [kjhn [kkrsa esa laafpr isa”ku laifÙk dks ikap ldrs gSaA yk[k :i;s ;k mlls de jkf”k] tSlk Hkh izkf/kdj.k }kjk lhek fu/kkZfjr dh tk, ds :i esa la”kksf/kr fd;k x;k gS A 3 Lke; ls iwoZ fudkl vfHknkrk ds lafpr isa'ku /ku ds U;wure bl rjg ds fodYi ds iz;ksx dh 80% dk mi;ksx ekfld isa'ku çnku vuqefr dsoy ,sls vfHknkrkvksa dks djus gsrq okf"kZdh Ø; djus ds fy, fd;k gksxh tks de ls de nl lky dh tkuk pfg, vkSj 'ks"k jkf'k vfHknkrk dks vof/k ls jk"Vªh; isa'ku ç.kkyh esa ,deq'r :i ls nh tkuh pkfg,A lnL; jgs gksA ;fn çku esa miyC/k lafpr isa'ku jkf'k vfHknkrk ds lafpr isa'ku /ku ds 1 yk[k ;k mlls de gS rks ,sls vfHknkrk U;wure 80% dk mi;ksx ekfld ds ikl lEiw.kZ isa'ku laifÙk dks fcuk isa'ku çnku djus gsrq okf"kZdh okf"kZdh Ø; fd, okil ysus dk fodYi Ø; djus ds fy, fd;k tkuk gksxkA pkfg, vkSj 'ks"k jkf'k vfHknkrk dks ,deq'r :i ls nh tkuh pkfg,A 55Hkkx&III gkykafd] fudkl fn”kkfunsZ”kksa vFkkZr~ 14 ;fn çku esa miyC/k lafpr isa’ku twu 2021 dks vf/klwfpr esa dqN ifjorZu jkf'k 1yk[k ;k mlls de gS rks fd, x, gSa] ftuesa LFkk;h lsokfuo`fÙk ,sls vfHknkrk ds ikl lEiw.kZ isa'ku [kkrsa esa laafpr isa”ku laifÙk dks nks yk[k laifÙk dks fcuk okf"kZdh Ø; fd, ipkl gtkj :i;s ;k mlls de jkf”k] okil ysus dk fodYi gksxk A tSlk Hkh izkf/kdj.k }kjk lhek fu/kkZfjr gkykafd] fudkl fn”kkfunsZ”kksa dh tk, ds :i esa la”kksf/kr fd;k x;k vFkkZr~ 14 twu 2021 dks vf/klwfpr gSA esa dqN ifjorZu fd, x, gSa] ftuesa LFkk;h lsokfuo`fÙk [kkrsa esa laafpr isa”ku laifÙk dks nks yk[k ipkl gtkj :i;s ;k mlls de jkf”k] tSlk Hkh izkf/kdj.k }kjk lhek fu/kkZfjr dh tk, ds :i esa la”kksf/kr fd;k x;k gSA blds vykok] vfHknkrk ,uih,l ¼75 o’kZ rd½ esa ,uih,l [kkrs dks tkjh ugha j[kuk pkgrk/ fuosf'kr jgus dk fu.kZ; ys ldrk gS ;k ,uih,l ls LFkfxr djuk pkgrk gS] rks og ,uih,l ls fudkl dj ldrk gSA ,uih,l vfHknkrkvksa ds fy, fudkl ldrk gSA og v‚uykbu fudkl dk fuEufyf[kr fodYi miyC/k gSa% vuqjks/k dj ldrk gS vkSj ,uih,l ds fudkl fn'kkfunsZ'kksa ds vuqlkj isa'ku çkIr djuk 'kq: x ,uih,l [kkrs dks tkjh j[kuk % vfHknkrk dj ldrk gSA lsokfuo`fÙk ¼75 o"kZ rd½ ds ckn Hkh ,uih,l [kkrs esa va'knku djuk tkjh j[k ldrk gS ,d O;fä https://bit-ly/2ZLzTkB ij gekjs lefiZr ;wVîwc pSuy ij tkjhdj.k vkSj vkLFkxu vkSj va'knku ij vfrfjä dj ykHk çkIr dj ldrk gSA çfØ;k ij ohfM;ks vkSj https://bit-ly/2vyuhfk ij tkdj vfHknkrk ds v‚uykbu fudklh çlaLdj.k x fudklh dks LFkfxr djuk % vfHknkrk viuh ij ohfM;ks ns[k ldrs gSaA fudklh dks LFkfxr dj ldrk gS vkSj 75 o"kZ dh vk;q rd ,uih,l esa fuosf'kr jg ,uih,l ls fudkl ds fy,] vfHknkrkvksa dks Js.khc) ldrk gSA vfHknkrk dsoy ,deq'r fudklh vkSj ifjHkkf"kr fd;k x;k gS % dks LFkfxr dj ldrk gS] dsoy okf"kZdh dks (i) ljdkjh {ks=] ¼ii½ d‚iksZjsV {ks= lfgr loZ LFkfxr dj ldrk gS ;k ,deq'r vkSj okf"kZdh ukxfjd vkSj ¼iii½ ,uih,l ykbV vfHknkrkA nksuksa dks LFkkfxr dj ldrk gSA vfHknkrk ftl Js.kh ls lEcaf/kr gS rnuqlkj x viuh isa’ku 'kq: djsa % ;fn vfHknkrk fufnZ’V fudkl fofu;e ykxw gksaxsA 56okf"kZd fooj.k - 2021-22 rkfydk la[;k 3.7: 1 vizSy 2021 ls 31 ekpZ 2022 ds chp fjiksVZ] LohÑr vkSj fuiVk, x, fudkl ekeys vkWuykbu fudklh HkkSfrd fudklh Ø- {ks= fjiksVZ fuiVk, fjiksVZ fd, fuiVk, la LohÑr $ LohÑr *** fd, x,* x, x, # x, 1. dsUnz ljdkj 7,345 7275 47 47 47 2. jkT; ljdkj 30,472 27,375 27318, 66 66 66 3. loZ ukxfjd@;wvks,l 8,529 8,253 7711 54 54 54 4. dksiksZjsV 5,456 5,213 4326 - 8 8 5. ,uih,l ykbV 34,690 34,309 34,302 524 524 524 dqy 87,012 82,495 80,932 699 699 699 ¼vkadM+ksa dk lzksr % ,u,lMh,y&lhvkj, ,aM dsfQu VsDuksykWtht+ lhvkj,½ fVIi.kh % * v‚uykbu fudkl fjiksVsZM ekeyksa esa uksMy dk;kZy;ksa }kjk vf/k—r rFkk uksMy dk;kZy;ksa ds fy, }kjk vf/k—r gksus ds fy, yafcr ekeys “ks’k gSaA $ v‚uykbu fudkl fuiVk, x, ekeys oks ekeys gSa ftlesa uksMy dk;kZy; us lhvkj, ç.kkyh esa fudkl vuqjks/k Loh—r fd, gSaA # # HkkSfrd fudklh% bu ekeyksa esa çlaLdj.k ds fy, lhvkj, esa çkIr HkkSfrd izk:i 'kkfey gSa ftuds v‚uykbu fudklh e‚Mîwy vHkh rd fodflr ;k fodkl izfØ;k esa ugha gSaA mnk- vfHknkrk ftldh lhvkj, ç.kkyh esa viyksM dh xbZ va'knku jkf'k feyku vkSj cqfdax ds fy, yafcr Fkh ¼;kuh esy ugha fd;k x;k Fkk½] 60 o’kZ dh vk;q ds ckn iz.kkyh esa iath—r gksus okys vfHknkrk vkfnA lhvkj, us ,sls ekeyksa dks ,d v‚Qykbu ;kuh HkkSfrd eksM esa lalkf/kr fd;kA ***HkkSfrd fudklh% LohÑr dk vFkZ gS og ekeys tks lhvkj, esa LFkfxr Fks vkSj ftlds fy, uksMy dk;kZy;@vfHknkrk ls vko';d nLrkost çkIr fd, x, FksA rkfydk la[;k 3.8: 31 ekpZ 2021 vkSj 31 ekpZ fVIi.kh % 2022 rd ds vuqlkj yafcr izR;kgj.k nkos * 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, Ø- {ks= yafcr vkWuykbu dks vko”;d nLrkost Hkstuk 'ks"k gSA la fudklh * v‚uykbu çR;kgj.k % o’kZ ds var esa yfEcr çR;kgj.k 31] ekpZ 31] ekpZ nkos og ekeys gSa tgk¡ uksMy dk;kZy;ksa dks lhvkj, ç.kkyh esa çR;kgj.k vuqjks/k vf/k—r djuk 'ks"k gSA 2021 2022 rd rd ds ds vuqlkj ;g ns[kk x;k fd vf/kdka'k ekeyksa esa vfHknkrkvksa vuqlkj ;k uksMy dk;kZy;ksa }kjk tek djk, x;s mi;qä 1 dsUnz ljdkj 434 520 nLrkostksa dh deh@vi;kZIrrk ds dkj.k çR;kgj.k 2 jkT; ljdkj 2417 3097 vuqjks/k yfEcr gSA 3 ;wvks,l 469 286 3.3.2 ,uih,l ds rgr vkaf’kd izR;kgj.k 4 dksiksZjsV 246 244 ,uih,l vfHknkrk vkaf”kd izR;kgj.k ,slh fLFkfr esa 5 ,uih,l ykbV 315 381 vkaf”kd izR;kgj.k dj ldrk gS] tc vfHknkrk ds vkadM+ksa dk lzksr% ,u,lMh,y & lhvkj, vkSj dsfQuVsd&lhvkj, lafpr isa'ku /ku dk vkaf'kd çR;kgj.k] tks vfHknkrk 57Hkkx&III ds lafpr isa'ku /ku dk] iPphl çfr'kr ls vf/kd u vi. dksjsujh vkVZjh ckbZikl xzk¶V ; gks] vkSj ftlesa jk"Vªh; isa'ku ç.kkyh ls fudkl ds iwoZ vii. vksjVk xzk¶V ltZjh ; fdlh le; fu;kstd }kjk fd;s x, va'knku] ;fn dksbZ gks] dks vioftZr fd;k x;k gS] uhps fofufnZ"V viii. gkVZ okYo ltZjh ; fuca/kuksa vkSj 'krksaZ] ç;kstu] vko`fÙk vkSj lhekvksa ds ix. LVªksd ; v/khu jgrs gq, vuqKs; gksxk%& x. ek;ksdkfMZ;y bUQsD'ku ¼v½ ç;kstu % fdlh vfHknkrk dks] çR;kgj.k çk:i xi. dksek ; çLrqr djus dh rkjh[k ls dsoy fuEufyf[kr ç;kstu esa ls fdlh ds fy, mlds O;fäxr xii. VksVy CykbaMusl ¼iw.kZ :i va/krk½ ; isa'ku [kkrs ls mlds }kjk fd;s x, vfHknk;ksa xiii. isjkysfll ¼ydok½; dk iPphl çfr'kr ls vuf/kd dk çR;kgj.k] xiv. xaHkhj@thou dks ladV esa Mkyus okyh vuqKkr gksxk; & nq?kZVuk ; (i) vius cPpksa ds] ftlds varxZr oS/k :i ls xv. thou dks uqdlku igqapkus okys dksbZ vU; nÙkd cPps Hkh gSa] mPprj f'k{kk ds fy,; xaHkhj jksx tks çkf/kdj.k }kjk le;&le; ij tkjh ifji=ksa] ekxZn'kZd fl)karksa ;k (ii) vius cPpksa ds] ftlds varxZr oS/k :i ls vf/klwpukvksa esa fofufnZ"V fd;k tk,A nÙkd cPps Hkh gSa] fookg ds fy, ; gky gh esa dksfoM&19 dks bl oxZ ess (iii) vius Lo;a ds uke ls ;k fof/kd :i ls “kkfey fd;k x;kA fookfgr ifr ;k iRuh ds lkFk la;qä :i xvi. vfHknkrk dh fodykaxrk ;k v{kerk ls dksbZ fuokl LFkku ¼edku½ ;k ¶ySV gS] ds dkj.k gksus okys fpfdRldh; rFkk rks bu fofu;eksa ds v/khu dksbZ çR;kgj.k vkdfLed [kpksaZ dks iwjk djus gsrqA vuqKkr ugha fd;k tk,xk ; xvii. vfHknkrk }kjk dkS'ky fodkl@ (iv) fofufnZ"V chekfj;ksa ds mipkj ds fy, iqu% dkS'ky ;k vU; dksbZ Lo&fodkl ;fn vfHknkrk mldk fof/kd :i ls fØ;kdykiksa ds [kpksaZ ds fy,] tSlk fookfgr ifr ;k iRuh] cPpksa ftlds Hkh ml ckjs esa çkfèkdj.k }kjk mfpr varxZr oS/k :i ls nÙkd cPps Hkh gSa] fn'kkfunsZ'k tkjh djrs gq, vuqKIr gksA ;k vkfJr ekrk&firk fdlh fofufnZ"V xviii. vfHknkrk }kjk Lo&m|e LFkkfir djus #X.krk ls xzLr gSa] ftlesa fuEufyf[kr ;k u, m|eksa dh 'kq#vkr djus gsrq jksxksa ds lEcU/k esa vLirky esa HkrhZ gksuk] [kpksaZ dks ds fy,] tSlk Hkh ml ckjs esa mipkj lekfo’V gksxk % çkfèkdj.k }kjk mfpr fn'kkfunsZ'k tkjh djrs gq, vuqKIr gksA i. dSalj ; ¼[k½ lhek,a % vuqKkr çR;kgj.k dsoy rHkh eatwj ii. xqnkZ dh foQyrk ¼var pj.k jhuy fd;k tk,xk ;fn vfHknkrk ykHkksa dk mi;ksx Qsy gksuk½ ; djus ds fy, fuEufyf[kr ik=rk lEcU/kh iii. çkbejh iqYeksujh vkYVsfd;y ekunaM vkSj lhekvksa dk vuqikyu djrk gS %& gkbijVsa'ku ; ¼d½ vfHknkrk] vius dk;Zxzg.k dh rkjh[k iv. eYVhiy ,Dyjkbvksfll ; ls de ls de rhu o"kZ dh vof/k rd v. çeq[k vax çR;kjksi.k ; jk"Vªh; isa'ku ç.kkyh esa jgk gks; 58okf"kZd fooj.k - 2021-22 ¼[k½ vfHknkrk dks mlds }kjk fd, x, vfHknk;ksa rkfydk la[;k 3-10% 1 vizSy 2021 ls 31 ekpZ ds vkosnu dh rkjh[k dks mlds O;fäxr 2022 rd ds nkSjku dkj.kokj vkaf’kd fudklh isa'ku [kkrs esa tek jde ds çR;kgj.k ds ds fjiksVZ fd, x, vkSj fuiVk, x, ekeysA fy,] iPphl çfr'kr ls vuf/kd lap;u fudklh dk dkj.k fjiksVZ fuiVk, dk çR;kgj.k vuqKkr ugha gksxk A fd, x, ¼x½ vko`fÙk % ¼1½ vfHknkrk dks] jk"Vªh; isa'ku ç.kkyh x,* ds v/khu vfHknk; dh lEiw.kZ vof/k ds nkSjku vius cPpksa] ftlesa oS/k 8,568 8,540 dsoy vf/kdre rhu ckj çR;kgj.k vuqKkr :Ik ls nÙkd cPps Hkh gksxkA vfHknkrk }kjk lqlaxr nLrkostksa ds lkFk “kkfey gSa] dh mPprj fofufnZ"V çk:i ds çR;kgj.k ds fy, vuqjks/k f”k{kk ds fy, dsaæh; vfHkys[kiky vfHkdj.k ;k jk"Vªh; isa'ku viu s cPpk]as ftle as o/S k :Ik 8,568 8,540 ç.kkyh U;kl dks] tSlk fofufnZ"V fd;k tk,] l s nÙkd cPp s Hkh “kkfey g]aS ,sls çR;kgj.k dh dk;Zokgh djus ds fy, vius d s fookg d s fy, eq[; i.k/kkjh ds }kjk çLrqr fd;k tk,xkA fuokl LFkku Ø; dju s ;k 75,155 75,356 ijUrq tgk¡ dksbZ vfHknkrk] mi[kaM ¼?k½ esa mld s lfauek.Z k d s fy, fofufnZ"V fdlh jksx ls xzLr gS ogka çR;kgj.k fufnZ’V chekfj;ksa ds 24,758 24,786 dk ,slk vuqjks/k ,sls vfHknkrk ds dqVqac ds bykt ds fy, fdlh lnL; ds ek/;e ls çLrqr fd;k tk fodykaxrk@fu%”kDrrk 10,962 10,912 ldsxkA ds dkj.k gksus okys fpfdRldh; [kpksZa vkSj rkfydk la[;k 3-9% foÙk o"kZ 2021&22 esa fjiksVZ vkdfLed [kpksaZ dks iw.kZ fd, x, vkSj fuiVk, x, vkaf’kd izR;kgj.k djus ds fy, ekeyksa dh la[;k dkS”ky fodkl@iqu% 2,483 2,586 Ø- {ks= fjiksVZ fd, fuiVk, dkS”ky ;k vU; dksbZ la x,** x,** Lo&fodkl fØ;kdykiksa ds [kpksZa ds fy, 1 dsUnz ljdkj 32,668 33,054 Lo&m|e LFkkfir djus 323 360 2 jkT; ljdkj 89,264 88,586 ;k u, m|eksa dh “kq:vkr 3 ;wvks,l 2,599 2,867 ds fy, 4 dksiksZjsV 6,651 7,057 dqy 1,31,188 1,31,570 5 ,uih,l ykbV 6 6 i) vfHknkrkvksa }kjk pqus x, okf"kZdh lsok çnkrk dqy 1,31,188 1,31,570 ¼,,lih½ vkSj okf"kZdh ;kstukvksa dk fooj.k ¼vakdM+ksa dk lzksr % ,u,lMh,y&lhvkj, ,aM dsfQuVsd&lhvkj,½ ,deq'r jkf'k tek djus ij okf’kZdh ds :i esa ekfld fVIi.kh% isa'ku izkIr gksrh gSA vfHknkrk dks ih,QvkjMh, ds **fjiksVZ fd;s x, ekeyksa esa uksMy dk;kZy; }kjk vf/k—r vkSj uksMy lwphc) okf’kZdh lsok iznkrkvksa ls] ,uih,l fudkl dk;kZy; }kjk vf/k—fr gsrq yafcr ekeys ‘kkfey gSa A fu;eksa esa vfuok;Z :i ls fufnZ"V okf"kZdh Ø; djuh **fuiVk, x, ekeys og gSa ftuesa fuf/k;ka vfHknkrk ds cSad [kkrs esa tek gksxhA dj nh xbZ gSaA 59Hkkx&III okf"kZdh lsok çnkrk chek fu;ked vkSj fodkl Pk½ LVkj ;wfu;u nkbZ&bZph ykbQ ba”;ksjsal da çkf/kdj.k ¼vkbZvkjMh,vkbZ½ ykblsal çkIr vkSj fyfeVsM fofu;fer thou chek daifu;ka gSa] tks Hkkjr esa N½ dksVsd efganzk ykbQ ba”;ksjsal da fyfeVsM okf"kZdh O;olk; dk lapkyu djrh gSa vkSj ;s ,uih,l t½ bafM;k QLVZ ykbQ ba”;ksjsal da fyfeVsM vfHknkrkvksa dh okf"kZdh vko';drkvksa dks iwjk djus ds fy, ih,QvkjMh, }kjk lwphc) gSaA >½ ,Msyfol Vksfd;ks ykbQ ba”;ksjsal da fyfeVsM ´½ ctkt ,yk;at ykbQ ba”;ksjsal da fyfeVsM orZeku esa] fuEufyf[kr 12 okf’kZdh lsok iznkrk ,uih,l vfHknkrkvksa dks okf"kZdh lsok,a çnku dj r½ dSujk ,p,lchlh vksfj,aVy cSad vkWQ dkWelZ jgs gSaA ykbQ ba”;ksjsal da fyfeVsM d½ ykbQ ba”;ksjsal dksiksZjs”ku vkWQ bafM;k Fk½ VkVk ,vkbZ, ykbQ ba”;ksjsal daiuh fyfeVsM [k½ vkbZlhvkbZlh izwMsaf”k;y ykbQ ba”;ksjsal da n½ eSDl ykbQ ba”;ksjsal daiuh fyfeVsM fyfeVsM jk"Vªh; isa'ku ç.kkyh ¼,uih,l½ ds rgr] vfHknkrk ds x½ ,lchvkbZ ykbQ ba”;ksjsal da fyfeVsM ikl okf"kZdh ds çdkj vkSj okf"kZdh lsok çnkrk dks pquus dk fodYi gksrk gSA vfHknkrk lacaf/kr ,,lih ?k½ vkbZlhvkbZlhvkbZ izwMsaf”k;y ykbQ ba”;ksjsal da- }kjk nh tkus okyh miyC/k ;kstukvksa esa ls viuh fyfeVsM vko';drkvksa ds vk/kkj ij okf"kZdh çdkj@;kstuk M-½ ,pMh,Qlh LVSaMMZ ykbQ ba”;ksjsal da fyfeVsM dk p;u dj ldrk gSA rkfydk la[;k 3.11: 1 vçSy] 2021 ls 31 ekpZ] 2022 ds nkSjku lalkf/kr fd, x, v‚uykbu okf"kZdh vuqjks/k Ø-la okf"kZdh lsok iznkrk@okf"kZdh ;kstuk,a ekeyksa dh jkf’k LFkkukarfjr la[;k ¼:i;ksa djksM+ esa½ 1 thouHkj ds fy, okf’kZdh 2373 104.77 2 e`R;q gksus ij Ø; ewY; dh okilh ds lkFk thouHkj ds fy, 12071 710.99 okf’kZdh 3 Okkf’kZdhdrkZ dh e`R;q gksus ij ifr@iRuh dks thouHkj ds fy, 4035 215.63 100% okf’kZdh ns; 4 Okkf’kZdhdrkZ dh e`R;q gksus ij ifr@iRuh dks thouHkj ds fy, 4242 562.14 100% okf’kZdh ns; 5 Okkf’kZdhdrkZ dh e`R;q gksus ij okf’kZdh [kjhn ij ifr@iRuh dks 33 1.30 fjVuZ ds lkFk thouHkj ds fy, 100% okf’kZdh ns; 6 vf/k”kqYd@Ø; “kqYd dh Hkkx esa okilh ds lkFk thouHkj ds 148 8.51 fy, okf’kZdh 7 xaHkhj chekjh dk irk pyus ij vf/k”kqYd@Ø; “kqYd dh 4715 316.14 okilh ds lkFk thouHkj ds fy, okf’kZdh ,uih,l&dqVqac vk; fodYi 27617 1919.48 ¼vkadM+ksa dk lzksr% ,u,lMh,y lhvkj, vkSj dsfQuVsd lhvkj,½ 60okf"kZd fooj.k - 2021-22 ii) ih,QvkjMh, }kjk 'kq: dh xbZ fMftVy ;g dk;ZØe okf’kZdh lsok çnkrkvksa vkSj lhvkj, ds igy ftldk miHkksäk eksckby ;k baVjusV lkFk la;qä :i ls vk;ksftr fd;k x;kA okf’kZdh ds ek/;e ls mi;ksx dj ldrk gS Lkk{kjrk dk;ZØe 2 fHkUu jkT;ksa] NÙkhlx<+ vkSj e/;izns”k esa HkkSfrd :Ik ls vkSj 4 okf’kZdh lk{kjrk v- bZ&okf"kZdh lk{kjrk dk;ZØe ¼,,yih½ dk;ZØe vfHknkrkvksa ds fy, vkWuykbu :Ik ls lsokfuo`Ùk gksus okys ,uih,l vfHknkrkvksa ds chp vk;ksftr fd, x,A okf’kZdh ij tkx:drk iSnk djus ds fy, dk;ZØeA rkfydk la[;k 3-12% foÙk o"kZ 2021&22 ds fy, okf"kZdh lk{kjrk dk;ZØeksa dh lwph Ø-la vkWuykbu vkSj vkWQykbu LFkku fnukad izfrHkkxh 1 bZ ,,yih dsjy 28 tuojh 2022 265 2 ,,yih bankSj 17 fnlacj 2021 350 3 ,,yih jk;iqj 25 vkSj 26 uoacj 2021 375 4 bZ ,,yih rfeyukMq 27 vDVwcj 2021 245 5 bZ ,yih laiw.kZ Hkkjr 17 flracj 2021 290 6 bZ ,yih laiw.kZ Hkkjr 13 vxLr 2021 260 dqy 1785 vk- v‚uykbu isa’ku dSydqysVj ds fudklh vuqjks/k dks lalkf/kr djus ds fy, fMftVy ek/;e ls fudkl isa'ku dSydqysVj vLFkk;h isa'ku vkSj ,deq'r jkf'k dks nLrkostksa dh LdSu@Lo&çekf.kr Nfo;ksa n'kkZrk gS tks ,d ,uih,l vfHknkrk dks ifjiDork dks Lohdkj djus ds fy, NwV nh xbZ ij ;k 60 o’kZ dh vk;q ij fu;fer ekfld va”knku] FkhA vfHknkrk HkkSfrd rjhds ds ctk; okf"kZdh Ø; djus ds fy, iqufuZos'k dh xbZ jkf'k dk nLrkostksa dks fMftVy :i ls tek dj çfr'kr vkSj fuos'k ij fjVuZ ds laca/k esa vuqekfur ldrs gSaA nj vkSj p;fur okf"kZdh ds vk/kkj ij izkIr djus dh vk”kk dj ldrk gSA ;g ,uih,l U;kl dh osclkbV ii. dksfoM &19 lacaf/kr fpfdRlk mipkj ij miyC/k gSA ds fy, LohÑr vkaf’kd fudklh dh vuqefr isa”ku dSydqysVj ds fy, fyad dksfoM ls lacaf/kr chekfj;ksa dks “kkfey http://www.npstrust.org.in/ djus ds fy, vkaf'kd fudklh fn'kkfunsZ’kksa content/pension-calculator esa la’kks/ku fd;k x;k gSA https://cra-nsdl.com/CRAOnline/ ?k- v‚uykbu fudkl@fudklh aspQuote.html https://nps.kfintech.com/npc/ i. ,dy dsokbZlh ij ,uih,l vfHknkrkvksa ds fy, okf"kZdh tkjh x- dksfoM&19 ds nkSjku fo’ks"k mik; djus dh lqfo/kk A i. v‚uykbu fudklh çfØ;k okf"kZdh lsok çnkrkvksa ¼,,lih½ uksMy dk;kZy;ksa@ihvksih dks ,uih,l }kjk okf"kZdh tkjh djus ds fy, uksMy 61Hkkx&III vfèkdkfj;ksa }kjk viyksM fd, x, iii. bZ&,uih,l vfHknkrk fudkl dsokbZlh vkSj fudklh nLrkost i;kZIr cSadksa ds leUo; esa fufeZr v‚uykbu gSaA ih,QvkjMh, }kjk vkbZvkjMh,vkbZ bZ&,uih,l fudkl dk;Z{kerkA 30 vkSj ,,lih ds lkFk leUo; esa çfØ;k dks vafre :i fn;k x;k FkkA uoacj] 2020 ls dk;kZRedrk,a 'kq: dh xbZaA ii. rRdky v‚uykbu cSad [kkrk lR;kiu iv. fudkl çkf/kdj.k dksM ¼bZ, dksM½ vfrfjä Mîw fMfytsal izfØ;k ds Hkkx ds :i esa] isuh Mª‚i ds ek/;e ls rRdky vfHknkrkvksa dks fudkl ds le; eksckby cSad [kkrk lR;kiu 'kq: fd;k x;k rkfd uacj lR;kfir djus dh lqfo/kk nsrk gS vkSj /ku dh okilh ls cpk tk lds vkSj laidZ {kerk esa lq/kkj djrk gSA okf’kZdh okLrfod le; ds vk/kkj ij ykHkkFkhZ ds lsok iznkrk }kjk okf’kZdh çlaLdj.k esa fooj.k dh tkap dh tk ldsA ;g çfØ;k ljyrk lqfuf'pr djrk gSA fudkl dks fuckZ/k cukrh gS vkSj foyac ls cpkrh gSA rkfydk la[;k 3-13% ih,QvkjMh, }kjk o"kZ 2021&22 esa tkjh dk;kZRedrkvksa dk lexz lkjka’k dk;Z dk uke foÙk o"kZ 2020&2021 esa lalkf/kr vuqjks/kksa dh la[;k* LdSuM nLrkost+ksa ds vkèkkj ij vkWuykbu fudklh 306 izfØ;k dksfoM&19 laca/kh LOkkLF; laca/kh mipkj ds fy, 6790 (Rs 47.39 Crores) LohÑr vkWuykbu vkaf”kd fudkl ekeys( dqy jkf”k lfgr) vkWuykbu bZ&,uih,l fudkl 1,156 vkaf”kd fudkl 55,172 mifLFkfr vfLrRoksa ¼dksiksZjsV½ ls lacf)r ,uih,l 1,619 vfHknkrkvksa ds fy, vkWuykbu fudkl izfØ;k dk;Z dk uke foÙk o"kZ 2020&2021 esa lalkf/kr vuqjks/kksa dh la[;k* mifLFkfr vfLrRoksa ¼dksiksZjsV½ ls lacf)r ,uih,l 1,940 vfHknkrkvksa ds fy, vkWuykbu fudkl izfØ;k ¼vkadM+ksa dk lzksr% ,u,lMh,y lhvkj, vkSj dsfQuVsd lhvkj,½ uksV% çnku fd, x, vkadM+s foÙkh; o”kZ 21&22 ds nkSjku tkjh çklafxd dk;kZRedrkvksa ds fy, gSaA fcanq la[;k 1 ds fy, ljdkjh dkxt jfgr lalkf/kr ekeyksa ij fopkj fd;k x;kA fcanq la[;k 3 ds fy,] v‚uykbu e_ NPS uaA Lo&çkf/kdj.k vkSj cSad ihvksih çkf/kdj.k ekeys ‘kkfey gSaA fcanq la[;k 4 ds fy,] vfHknkrk }kjk ‘kq: fd, x, vkaf’kd fudklh vuqjks/k vkSj Lo&vf/k—r vuqjks/k ij fopkj fd;k x;k gSA 62okf"kZd fooj.k - 2021-22 iii). fMftVy igy&ih,QvkjMh, esa dk;Z çxfr çfØ;k ds fy, fu;rdkfyd le; dks ij gS vkSj bls ykxw djus dh çfØ;k esa de djrk gSA dk;Zjr gSA bZ- v‚uykbu LekVZ fudkl funsZf’kdk fjeksV v‚ucksfMaZx vkSj fudkl ds fy, ;g vfHknkrkvksa dks [kjhn ewY; dh ohfM;ks vk/kkfjr vfHknkrk igpku çfØ;k okilh ds lkFk@fcuk okf"kZdh m)j.k ¼ohlhvkbZih½A çkIr djus esa enn djrk gSA fofHkUu ih,QvkjMh, us vius iath—r e/;LFkksa dks okf’kZdh lsokiznkrkvksa }kjk nh tkus okyh ,uih,l ls lacaf/kr v‚ucksfMaZx] fudkl ;k okf"kZdh ;kstukvksa dk p;u djrs le; fdlh vU; lsok vuqjks/k ij ohfM;ks&vk/kkfjr vPNh rjg ls lwfpr fu.kZ; ys ldrs gSaA vfHknkrk igpku çfØ;k ¼ohlhvkbZih½ dk m- mifLFkfr vfLrRoksa ls lacf) mi;ksx djus dh vuqefr nh gSA ;g nwjLFk r ,uih,l vfHknkrkvksa ds fy, mifLFkfr] lhfer xfr'khyrk] laidZ jfgr v‚uykbu fudkl çfØ;kA lsok] lkekftd nwjh ekunaM+ vkfn dh pqukSfr;ksa dks nwj djsxk vkSj [kkrk [kksyus] fudkl ds bl çfØ;k ds rgr] vfHknkrk dsokbZlh fu"iknu vkSj vU; lsok vuqjks/k ds fu;rdkfyd ds lkFk fudklh nLrkost viyksM dj le; dks Hkh vuqdwfyr djsxkA ;g ,uih,l ldrs gSa vkSj bZ & lkbu@vksVhih dk dh igqap c<+kus dk volj çnku djrk gS mi;ksx djds vf/k—r dj ldrs gSaA D;ksafd [kkrk [kksyus dh çfØ;k xSj&dkxt+h] fudkl dh ;g xSj&dkxt+h çfØ;k nkoksa rkRdkfyd] lqfo/kktud vkSj ykxr çHkkoh gSA ds le; ij çlaLdj.k vkSj okf”kZdh tkjh djus esa enn djrh gSA fudkl dh vk- v‚Qykbu vk/kkj vk/kkfjr v‚uykbu çfØ;k ds fy,] vfHknkrk dks ihvksih ds fudklA muds dks’k dk U;wure jkf’k 125 #i;s v‚Qykbu vk/kkj dk mi;ksx djds vkSj vf/kdre #i;s 500 rd 0-0125% fudkl dh çfØ;k esa rsth ykukA blls dk Hkqxrku djuk gksxkA fudkl dh çfØ;k dk fuckZ/k] xSj&dkxt+h 3-4 jk"Vªh; isa’ku ç.kkyh vkSj vf/kfu;e vkSj le;c) izlaLdj.k lqfuf”pr djrk ds rgr vU; isa’ku ;kstukvksa ds gSA vfHknkrkvksa ds fgrksa dh lqj{kk ds b- v‚uykbu vkaf’kd fudklh fy, xfrfofèk;k¡ %& vkaf’kd fudklh çfØ;k esa Lo&?kks"k.kk ds ih,QvkjMh, dk ,d çeq[k mís'; vk/kkj ij vklkuh lqfuf”pr djuk vkSj vfHknkrkvksa ds fgrksa dk laj{k.k gS vkSj isuh Mª‚i ds lkFk çfØ;k dks v‚uykbu ih,QvkjMh, blds fodkl ds fy, djuk “kkfey gSA ;g vkaf'kd fudklh dh fofo/k xfrfof/k;ksa esa dk;Zjr gSA 63Hkkx&III rkfydk la[;k 3-14% vfHknkrkvksa ds fgrksa dh j{kk ds fy, fd, x, mik; la igy YkkHk 1. vkWucksfMZax ds fy, vkWQykbu vk/kkj vkWucksfMZax vkSj rRdky izku tkjh djus dh ljyrk A dsokbZlh 2. ,uih,l vfHknkrkvksa ds fy, bZizku vc vfHknkrk dks [kkrk [kksyus ds fy, cgqr de “kqYd dkMZ nsuk gksxk vkSj ;g lapkfyr djus esa Hkh ljy gSA 3. vfHknkrkvksa }kjk vksVhih vk/kkfjr vfHknkrkvksa dh xSj&dkxt+h vkWucksfMZax A izek.khdj.k 4. vkWuykbu vk/kkj bZ&dsokbZlh ,d lhvkj, dks vkWuykbu bZ&dsokbZlh is”k djus ds fy, ;wvkbZMh,vkbZ }kjk ih,QvkjMh, ds izLRkko dks LohÑfr nh xbZ A 5. Mh&jsfeV ¼izR;{k izs’k.k½ ,uih,l vfHknkrkvksa dks leku fnol ,u,oh vkSj vkWVks MsfcV dh lqqfo/kk A va”knku izLkaLdj.k esa nsjh nks fnu ls de gks tkrh gSA 6. up ¼,u,lh,p½ vk/kkfjr MsfCkV up bZ&vkns”k ds ek/;e ls Lopkfyr MsfcV dks izk;ksfxd vk/kkj ij “kq: fd;k x;k A foÙk o’kZ 2020&21 esa izfØ;k dks lw=ikr fd;k x;k vkSj foÙk o’kZ 2021&22 esa “kq: dh xbZ A 7. bZ&lkbu ds ek/;e ls bZ&ukfeus”ku xSj&dkxt+h izfØ;k dk vkWuykbUk ukWfeus”ku@ lqfo/kk uohuhdj.k 8. ,uih,l@,ihokbZ ds fy, yksdiky yksdiky dh lsokvksa ds fo’k; esa ,Q,D;w izdkf”kr fd, x, vkSj tkx:drk mRiUu dh xbZ A 9. okf’kZdh lk{kjrk dk;ZØe ¼,,yiht+½ lsokfuo`Rr gksus okys ,uih,l vfHknkrkvksa ds fy, tkx:drk mRiUu djuk A ;g dk;ZØe okf’kZdh lsok iznkrk] ljdkjh uksMy vf/kdkfj;ksa vkSj lhvkj, }kjk la;qDr :i ls vk;ksftr fd;k x;k gSA 10. okf’kZdh x.kd ,uih,l vfHknkrkvksa dks Okkf’kZdh njksa@lwpuk ds csgrj vraj.k ds fy, okf’kZdh dSydqysVj iqu% “kq: fd;k x;k A 11. okf’kZdh lsokiznkrkvksa ds fy, vuqikyu loaf)Zr vfHknkrk lsokvksa ds fy, okf’kZdh lsok iznkrkvksa izek.ki= }kjk v/kZokf’kZd vuqikyu izek.ki= tek djk;k tk jgk gSA 64okf"kZd fooj.k - 2021-22 la igy YkkHk 12. ,uih,l dj cpr [kkrk dsanz ljdkj {ks= ds vfHknkrkvksa ds fy, dj cpr dks l{ke djrk gSA 13. fuos”k dk fodYi vkSj isa”ku fuf/k;ka ljdkjh {ks= vfHknkrk fuos”k fodYi vkSj isa”ku fuf/k;ksa dk p;u dj ldrs gSaA 14. ,uih,l fojklr [kkrksa ds fy, mu ,uih,l vfHknkrkvksa dh dfBukbZ;ksa dks de djus vksVhih vk/kkfjr izek.khdj.k ds fy, ftUgksaus dksfoM&19 egkekjh ds dkj.k “kq: gq, ykWdMkmu ds nkSjku vius ,uih,l [kkrs [kksys gSa] ysfdu lhvkj, dks HkkSfrd vkosnu izLrqr ugha dj ldsA 15. fudkl izfØ;k ,uih,l ds fudkl vuqjks/k dks lalkf/kr djus ds fy, uksMy dk;kZy;ksa@mifLFkfr vfLrRoksa dks fudkl nLrkost+ksa dh LdSu@Lo&izekf.kr izfr;ksa dks Lohdkj djus dh NwV nh xbZ FkhA 16. dksfoM laca/kh LokLF; mipkjksa ds fy, dksfoM lacaf/kr mipkjksa dks “kkfey djus ds fy, LohÑr vkaf”kd fudklh vkaf”kd fudklh fn”kkfunsZ”kksa dks la”kksf/kr fd;k x;kA 17. le;iwoZ fudklh ds ekeys esa] tgka vkaf”kd :Ik ls fudklh djus okys ,uih,l vfHknkrkvksa dsoy ,deq”r jkf”k dk Hkqxrku fd;k dks leku izku tkjh j[kus dk fodYi A x;k gS izku tkjh j[kuk 18. ,dy dsokbZlh ij ,uih,l uksMy vf/kdkfj;ksa }kjk viyksM fd, x, dsokbZlh vfHknkrkvksa ds fy, okf’kZdh tkjh vkSj fudklh nLrkost+] okf’kZdh lsok iznkrkvksa ¼,,lih½ djus dh lqfo/kk okf’kZdh tkjh djus ds fy, i;kZIr gSaA 19. rRdky cSad [kkrk lR;kiu fuf/k;ksa dh okilh dks jksdus ds fy, vkSj okLrfod le; vk/kkj ij YkkHkkFkhZ fooj.k dh tkap ds fy, isuh MªkWi ds ek/;e ls rRdky cSad [kkrk lR;kiu A 20. bZ&,uih,l vfHknkrk fudkl vkWuykbu bZ&fudkl fØ;kRedrk cSadksa ds leUo; esa fufeZr gSA 21. fudkl izek.khdj.k dksM vfHknkrk dks fudkl ds le; eksckby uacj ds lR;kiu ¼bZ, dksM½ dh lqfo/kk 65Hkkx&III 3.5 vfHknkrkvksa dh f’kdk;rksa ds fuokj.k ds vi. f”kdk;rsa tks U;k;ky; esa fopkjk/khu gksa ¼ekeys fy, ra= vkSj ,slh xfrfof/k;ksa dh f’kdk;rksa ds tks U;k;ky; esa ;k v/kZ&U;kf;d laLFkk ds fuokj.k ds fy, ra= fopkjk/khu gksa½ flok; mu ekeyksa ds tks vf/kfu;e ds izko/kkuksa ds rgr bl izkf/kdj.k 1. ifjp;: ds gh vf/kdkj {ks= esa vkrs gks] Ikh,QvkjMh, ¼vfHknkrk f”kdk;r dk fuokj.k½ 2- f’kdk;rksa ds çca/ku ls lEcaf/kr çfØ;k fofu;e] 2015 ds vuqlkj izR;sd e/;LFk bdkbZ dks f”kdk;r fuokj.k uhfr dk vuqikyu djuk gksrk isa'ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k gS] tSlk fd fofu;eksa ds rgr iznku fd;k x;k gSA ¼vfHknkrk f'kdk;r dk fuokj.k½ fofu;e] 2015 ds fofu;e 2¼N½ ds rgr iznÙk “kCn ^f”kdk;r* dks bl vuqlkj vfHknkrk dh f'kdk;r dk fuokj.k fd;k izdkj ifjHkkf’kr fd;k gS fd& ^f”kdk;rsa ;k f”kdk;r* tkrk gS A f'kdk;r ds ljy vkSj le;c) çca/ku esa os lHkh lapkj “kkfey gksrs gSa] tks bl fofu;e ds ds fy,] vfHknkrk dks fuEufyf[kr ekxZ dk vuqlj.k izko/kkuksa ;k fdlh laLFkk ;k O;fDr ds vkpj.k ;k djuk gksrk gS % dksbZ dk;Z djus ;k uk djus ;k lsok esa =qfV ds ckjs Lrj 1 % ih,QvkjMh, ¼vfHknkrk f'kdk;r dk fuokj.k½ esa gks vkSj mlesa fdlh fuokj.k dkjZokbZ dh ekax dh fofu;e 2015] ds çko/kkuksa ds vuqlkj vfHknkrk dsaæh; xbZ gks fdUrq fuEufyf[kr “kkfey ugha gS% f'kdk;r çca/ku ç.kkyh ¼lhth,e,l½A vfHknkrk dh i. f”kdk;rsa tks iwjh ;k Li’V ugha gksa] f'kdk;rksa dks lEcaf/kr e/;LFk bdkbZ@dk;kZy; dks fuokj.k ds fy, Hkstk tk,xk A lEcafèkr bdkbZ }kjk ii. lq>ko nsus dh izÑfr ds i= % çnku dh xbZ fVIi.kh dh vfHknkrk dks bZesy ds ek/;e ls lwpuk nh tk,xh vkSj bls v‚uykbu :i iii. i= ftuesa ekxZn”kZu ;k Li’Vhdj.k ekaxk x;k ls ns[kk tk ldrk gSA gks] f'kdk;r ntZ djus ds fy, vfHknkrk lEcaf/kr iv. f”kdk;rsa] tks izkf/kdj.k dh “kfDr;ksa ;k dk;ksZa lhvkj, ij fDyd dj ldrk gS ftlds rgr mldk ;k vf/kfu;e ds izko/kkuksa rFkk mlds rgr çku tkjh fd;k x;k gS A f'kdk;rksa dks ntZ djus fufeZr fu;eksa o fofu;eksa ls ijs gksa] vkSj lek/kku dh fLFkfr ns[kus dh çfØ;k dk fooj.k uhps fn;k x;k gS % v. e/;ofrZ;ksa ds chp dksbZ fookn laca/kh] vkSj 66okf"kZd fooj.k - 2021-22 çksfV;u bZxouZesaV VsDuksy‚tht fyfeVsM ¼iwoZ dsfQu VsDuksy‚tht izkbosV fyfeVsM esa ,u,lMh,y bZ&xousZl ds uke ls fo[;kr½ 1. f’kdk;rsa@f’kdk;r ntZ djus ds fy, osc 1. f’kdk;rsa@f’kdk;r ntZ djus ds fy, osc vkèkkfjr baVjQsl vk/kkfjr baVjQsl % d½ vfHknkrk gekjh osclkbV https://enps- d½ dsaæh; f’kdk;r çca/ku ç.kkyh esa kfintech-com/login/login/ ij tkdj ¼lhth,e,l½ Internet Personal vkbZfiu dk ç;ksx djrs gq, dsfQuVsd lhvkj, Identification Number bUVjusV ilZuy }kjk çnÙk ,d osc vk/kkfjr baVjQsl ds ek/;e vkbMsafVfQds”ku ¼vkbZfiu½ dk ç;ksx djrs gq, ls f'kdk;r ntZ dj ldrk gS A bdkbZ osc f”kdk;r ntZ djukA (https://cra&nsdl- vk/kkfjr çk:i dh vko';drkuqlkj vko';d com/CRA/) vfHknkrk }kjk lQy :i ls lwpuk çnku djkuh gksxh A lQy iathdj.k y‚x bu dj ysus ij tkap@f”kdk;r dk gksus ij] LØhu ij ,d Vksdu la[;k ns[kus gsrq fodYi pquk tk ldrk gSA çnf’kZr dh tk,xh A [k½ vfHknkrk d‚iksZjsV osclkbV (https:// [k½ vfHknkrk lhvkj, ç.kkyh esa y‚x bu npscra-nsdl-co-in/Log&your&grievance- fd, fcuk mfpr fooj.k https://enps- php ij Log Your Grievance / Enquiry kfintech-com/registergrievanceenquiry/ option ij f”kdk;r ntZ dj ldrk gSA registergrievanceenquiry/ ij çnku djrs gq, f’kdk;r ntZ dj ldrk gS 2. f’kdk;r@f’kdk;r ntZ djus ds vU; rjhds % 2. f’kdk;r@f’kdk;r ntZ djus ds vU; rjhds % d½ Call Centre/Interactive Voice Response System (IVR) : d½ vfHknkrk Vksy Ýh uacj 1800 208 1516 ij d‚y djrs gq, gekjs d‚y lsaVj ls laidZ dj Vksy Ýh uacj 1800 222 080 ij d‚y djrs ldrk gSA vfHknkrk Vh&fiu dk mi;ksx }kjk gq, vkSj Lo;a dks Tele query Personal çek.kh—r gksrs gq, f'kdk;r ntZ dj ldrk Identification Number (TPIN) }kjk gSA f'kdk;r dks d‚y lsaVj çfrfuf/k }kjk çek.kh—r djrs gq,A iath—r fd;k tk,xk vkSj bdkbZ dks lUnHkZ gsrq ,d Vksdu la[;k çnku dh tk,xh A [k½ HkkSfrd çi= % fufnZ"V çi= ¼çi= G1½ esa ;k i= }kjk fyf[kr esa f'kdk;r ntZ djuk vkSj [k½ HkkSfrd çi= % vfHknkrk lhvkj, esa dsaæh; fuEufyf[kr irs ij Hkstuk % f'kdk;r çca/ku ç.kkyh esa fooj.k tek djrs gq, f'kdk;r ntZ dj ldrk gS A vfHknkrk dks f'kdk;r çi= ¼Q‚eZ th 1½ lhvkj, esa tek djuk gksrk gS A ,slh f'kdk;r çkIr djus ij lhvkj, mi;ksäk dks 67Hkkx&III Protean eGov Technologies Limited bls fMftVykbt djsxk vkSj lhvkj, ç.kkyh ¼iwoZ esa NSDL e&governance ds uke ls esa vuqjks/k dks ntZ djrs gq, vfHknkrk dks fo[;kr½ ,l,e,l@bZesy ds ek/;e ls lwpuk nsxkA bls fuEufyf[kr irs ij Hkstk tk ldrk gS % 1st Floor, Times Tower, Kamala Mills Compound, Senapati Bapat Marg, dsfQu VsDuksykstht çkbosV fyfeVsM Lower Parel, Mumbai & 400 013 lsysfu;e Vkoj ch] IykV uacj 31 vkSj 32 foÙkh; ftyk] ukudjkexqMk] lsfjfyaxeiYyh 3- f’kdk;r dh fLFkfr dh tkap dSls dh eaMy] tkrh gS \ gSnjkckn& 500032 vfHknkrk lhvkj, dh osclkbV (https://enps- kfintech-com/login/login/) ij tkdj ;k 3- f’kdk;r dh fLFkfr dh tkap dSls dh d‚ylsaVj ds ek/;e ls Vksdu la[;k of.kZr djrs gq, tkrh gS \ f’kdk;r dh tkap dj ldrk gSA vfHknkrk lhvkj, dh osclkbV (https://enps- kfintech-com/login/login/) ij tkdj ;k d‚ylsaVj ds ek/;e ls Vksdu la[;k of.kZr djrs gq, f'kdk;r dh tkap dj ldrk gSA Lrj 2 % ;fn f'kdk;rdrk Z f'kdk;r d s fuokj.k ls 2. i= % vfHknkrk ,uih,l U;kl dks fuEufyf[kr lra "qV ugh a g S ;k ;fn ;g f'kdk;r nt Z fd, tkus irs ij fyf[kr esa Hkh f'kdk;r ntZ dj ldrk d s 30 fnuk as d s Hkhrj e/;LFk bdkb Z }kjk bl s ugha gSA lyq >k;k x;k g S rk s og bl s fuEufyf[kr rjhdk as ea s f’kdk;r fuokj.k vf/kdkjh ¼thvkjvks½ l s fdlh ,d d s ek/;e l s jk’Vªh; i”as ku ç.kkyh U;kl jk’Vªh; isa”ku ç.kkyh U;kl ¼,uih,l U;kl½ dk s Hkts ldrk g S & 14oka ry] vkbZ,QlhvkbZ Vkoj 1. osclkbV % www.npstrust.org.in / 61] usg# Iysl https://www.npstrust.org.in/ ubZ fnYyh& 110019 content/contact-us nwjHkk’k % +91 11 47207700 rkfydk la[;k 3-15% lhvkj, ds fo:) fd, x, iz’u@f’kdk;rsa f’kdk;rsa dh foÙk o"kZ 2021&22 f’kdk;rsa ds fy, f’kdk;rksa dh fLFkfr xbZ ekpZ 2021 ds var foÙk o"kZ 2021 & foÙk o"kZ 2021 & ekpZ 2022 ds var rd yafcr 2022 ds nkSjku 2022 ds nkSjku rd yafcr izkIr can@lekIr lhvkj, 1,560 1,50,372 1,50,908 831 f”kdk;rsa ¼vkadM+s dk lzksr% ,u,lMh,y lhvkj,] dsfQu VsDuksykWtht lhvkj, vkSj lh,e,l lhvkj,½ 68okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-16% lhvkj, ds fo:) Js.khokj iz’u@f’kdk;r ¼jsQjy½ dh fLFkfr iz’u Js.kh ekpZ 2021 ds foÙk o"kZ foÙk o"kZ ekpZ 2022 var rd yafcr 2021&2022 2021&2022 ds ds var rd ekeys ds nkSjku izkIr nkSjku lqy>k, lekèkku gsrq ekeys x, ekeys yafcr ekeys lkekU; f”kdk;rsa 590 66672 66866 310 iz”u dkMZ ls lacaf/kr 378 25528 25690 153 ,lvksVh ls lacaf/kr 135 12237 12265 94 fV;jAA ls lacaf/kr 50 5483 5500 26 vfHknkrk fooj.k dk xyr 31 5711 5723 19 lalk/ku vkbZfiu] Vhfiu ls lacaf/kr 38 3535 3541 28 fudkl ls lacaf/kr 37 50175 5711 34 bZesy@,l,e,l vyVZ 26 2912 2911 21 izkIr ugha gq, fudkl izfØ;k “kq: ugha 25 1763 1777 11 dh xbZ@izkf/kÑr ugha gqbZ@/kujkf”k izkIr ugha gqbZ vkfa”kd fudkl ifzØ;k 20 5568 5568 20 “k:q ugh a dh xb@Z ikzf/kÑr ugh a dh gbq @Z /kujkf”k ikzIr ugh a gbq Z vU; f”kdk;ras 5 266 262 9 Ek`R;q fudkl izfØ;k “kq: 2 285 286 1 ugha dh xbZ@ izkf/kÑr ugha gqbZ@ /kujkf”k izkIr ugha gqbZ lalkf/kr ugha dh xbZ@ 13 1526 1532 7 vfHknkrk ifjorZu vuqjks/k esa foyac izku dkMZ tkjh djus esa 9 132 134 0 nsjh le;iwoZ fudkl izfØ;k 1 900 894 7 “kq: ugha dh xbZ@izkf/kÑr ugha gqbZ@/kujkf”k izkIr ugha gqbZ 69Hkkx&III iz’u Js.kh ekpZ 2021 ds foÙk o"kZ foÙk o"kZ ekpZ 2022 var rd yafcr 2021&2022 2021&2022 ds ds var rd ekeys ds nkSjku izkIr nkSjku lqy>k, lekèkku gsrq ekeys x, ekeys yafcr ekeys [kkrs esa va”knku jkf”k 200 12140 12248 91 iznf”kZr u gksuk dqy 1560 194833 150908 831 ¼vkadM+ksa dk lzksr % lhvkj, vkSj dsfQuVsd lhvkj,½ rkfydk la[;k 3-17% fnukad 31 ekpZ 2021 dks lekIr gq, ekg ds var rd fnolkuqlkj yafcr f’kdk;rsa * {ks= < 7 fnu 8-14 fnu 15-30 fnu 31-60 fnu > 60 fnu dqy dsanz ljdkj 49 0 1 1 3 54 jkT; ljdkj 57 3 0 0 3 63 dksiksZjsV 90 4 3 0 2 99 vlaxfBr 549 13 10 1 9 582 ,uih,l ykbV 8 0 0 0 0 8 ,ihokbZ 25 0 0 0 0 25 dqy 778 20 14 2 17 831 ¼vkadM+ksa dk lzksr % ,u,lMh,y lhvkj, vkSj dsfQuVsd lhvkj, vkSj lh,,e,l lhvkj,½ Lrj 3 % ;fn f”kdk;rdrkZ f”kdk;r ds fuokj.k ls ¼[k½ ,sls f”kdk;rdrkZ }kjk] tgk¡ f”kdk;r fdlh larq’V ugha gS ;k Lrj&2 esa fn, x, 30 fnuksa ds vU; e/;LFk bdkbZ ds fo#) u djrs gq, lhèkk Hkhrj Hkh dksbZ mÙkj çkIr ugha gksrk gS] rks vfHknkrk ,uih,l U;kl ds fo#) f”kdk;r dh xbZ gS }kjk ;FkkfufnZ’V çk:i esa fooj.k dks ih,QvkjMh, vkSj ;g fufnZ"V 30 fnuksa dh vof/k ds Hkhrj ds yksdiky dks tek djrs gq,] muls laidZ fd;k Hkh lqy>kbZ ugha xbZ gSA tk ldrk gSA jk’Vªh; isa”ku ç.kkyh ls mÙkj çkIr gksus ds 45 fnuksa ih,QvkjMh, ¼vfHknkrk f’kdk;r dk fuokj.k½ ds Hkhrj yksdiky dks vihy dh tk ldrh gSA fofu;e 2015 ds vuqlkj % fofu;eksa ds rgr vihy fyf[kr esa gksuh pkfg, vkSj lefFkZr nLrkostksa yksdiky ds lkFk vihy ntZ dh tk ldrh gS vkSj lfgr fofu;eksa esa fofufnZ’V çk:i esa f”kdk;rdrkZ mlesa fuEufyf[kr dk vuqikyu fd;k tk,xk& ;k mlds vf/k—r çfrfuf/k ¼tks dkuwuh is”ksoj u gks½ }kjk fof/kor~ :i ls gLrk{kfjr gksuh pkfg,A ¼d½ ,sls f”kdk;rdrkZ }kjk ftudh f”kdk;r dk ,uih,l U;kl dks Hkstus ds 30 fnu ds Hkhrj orZeku esa ih,QvkjMh, }kjk dsoy ,d yksdiky Hkh fuokj.k ugha fd;k x;kA fu;qä fd;k x;k gSA 70okf"kZd fooj.k - 2021-22 Jh vuZc j‚; isa’ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k isa’ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ¼ih,QvkjMh,½ ch&14@,] N=ifr f’kokth Hkou] ch&14@,] N=ifr f’kokth Hkou] dqrqc dqrqc laLFkkfud {ks=] dVokfj;k ljk;] laLFkkfud {ks=] ubZ fnYyh& 110016 dVokfj;k ljk;] ubZ fnYyh&110016 N=ifr f’kokth Hkou] Lrj 5 % çfrHkwfr vihyh; çkf/kdj.k bZesy vkbZMh % ombudsman@pfrda.org.in nwjHkk"k- % 011 - 26517507 vfHknkrk ls çFke Lrj ij f'kdk;r ntZ djus dk ,DlVsa’ku % 188 vuqjks/k fd;k tkrk gS rkfd bldk le;c) :i ls lek/kku fd;k tk lds vkSj f'kdk;r dk ekxZ fudkyk tk ldsA Lrj 4% ;fn vfHknkrk yksdiky }kjk ikfjr vkns'k ls larq’V ugha gS] rks vfHknkrk ih,QvkjMh, ds ukfer 3.5.1 foÙk o"kZ 2020&21 ds fy, yksdiky lnL; dks fuEufyf[kr irs ij vihy Hkst ldrk gSA ds dk;kZy; esa izkIr] lqy>kbZ xbZ vkSj yafcr yksdiky foHkkx] f’kdk;rksa dh la[;kA rkfydk la[;k 3-18% foÙk o"kZ 2021&22 ds fy, izkIr] lqYk>kbZ xbZ vkSj yafcr f’kdk;rksa dh la[;kA Ø- la- {ks= lhth@lh,ch ,lth@,l,ch ;wvks,l fo-o- 2021&22 ds var rd yafcr f’kdk;rksa 2 3 1 dh la[;k izkIr dh xbZ f’kdk;rksa dh la[;k 2 12 6 Lkqy>kbZ xbZ f’kdk;rksa dh la[;k 4 16 6 Yakfcr f’kdk;rksa dh la[;k 0 1 1 fVIi.kh % *foÙk o"kZ 2020&21 ds fy, vU; {ks=ksa ds fy, vFkkZr~ ,uih,l&ykbV] Lokcyacu vkSj ,ihokbZ ds fy,] dksbZ vihy izkIr ugha gqbZA 3.5.2 foÙk o"kZ 2020&21 ds nkSjku yksdiky dk;kZy; dks jkT;okj izkIr f’kdk;rs rkfydk la[;k 3-19% foÙk o"kZ 2021&22 ds nkSjku yksdiky dk;kZy; dks jkT;okj izkIr f’kdk;rsa Ø- jkT; dk uke jkT;okj izkIr Ø- jkT; dk uke jkT;okj izkIr la dh xbZ f’kdk;rksa la dh xbZ f’kdk;rksa dh la[;k dh la[;k 1 dukZVd 1 7 vka/kzizns”k 1 2 egkjk’Vª 1 8 Ikf”pe caxky 1 3 rsyaxkuk 1 9 fnYyh 10 4 rfeyukMq 1 10 gfj;k.kk 1 5 mÙkj izns”k 2 11 paMhx<+ 1 6 vaMeku fudksckj }hilewg 1 dqy 21 71Hkkx&III 3.5.3 ih,QvkjMh, }kjk mBk, x, dne vkWuykbu :i ls vihy djus dk fodYi pqu ldrk gSA d- yksdiky dks vihy ntZ djus ds fy, vkWuykbu iz.kkyh dk fodkl [k- yksdiky ij vf/kdka’k iwNs tkus okys iz’u ¼,Q,D;wt+½ orZeku esa] yksdiky dk;kZy; esa HkkSfrd izi= ds ek/;e ls vihy izkIr dh tkrh gSA yksdiky ih,QvkjMh, }kjk ykds iky dk s vihy ntZ ds lkFk ,d vkWuykbu izfØ;k ds ek/;e ls dju s dh ifzØ;k d s fo’k; e as vfHknkrkvk as dks vihy ntZ djus ds fy, ih,QvkjMh, dh tkx:d dju s d s fy, ,Q,D; w tkjh fd, gAaS osclkbV ij ,d osc iksVZy fodflr fd;k tk ;g ih,QvkjMh, dh ocs lkbV ij Hkh miyC/k gAaS jgk gS] ftlesa ihfM+r vfHknkrk ftldh lacaf/kr e/;LFk bdkbZ ds fo:) f”kdk;r dk lek/kku 31 ekp Z 2022 rd d s vulq kj lhth,e,l e as ikzIr fufnZ’V le; ds Hkhrj Hkh ugha fd;k x;k gS] f”kdk;rk as dh fLFkfr fuEu rkfydk e as inz ku dh xb Z g%S rkfydk la[;k 3-20% 1 vizSy 2021 ls 31 ekpZ] 2022 rd ds vuqlkj o"kZ ds nkSjku lhth,e,l esa yafcr] izkIr vkSj fuiVkbZ xbZ f’kdk;rksa dh fLFkfr fuEufyf[kr rkfydk esa iznku dh xbZ gS% Ø- {ks= 31 ekpZ 2021 rd 31 ekpZ 2022 31 ekpZ 2022 31 ekpZ 2022 rd la ds vuqlkj yafcr rd izkIr rd lqy>kbZ xbZ yafcr izfr’kr 1 ,uih,l fu;fer # 3148 175175 175512 1.60 2 ,uih,l ykbV 173 2345 2409 4.65 3 ,ihokbZ 695 57015 56833 1.54 dqy 4016 234535 234754 1.62 fVIi.kh% # ,uih,l fu;fer esa lhth@,lth@,l,ch@lh,ch@dksiksZjsV vkSj loZ ukxfjd {ks= lfEefyr gSaA 31 ekpZ] 2022 rd ds vuqlkj fofHkUu e/;LFk bdkbZ;ksa dks izkIr f”kdk;rksa dh fLFkfr fuEu rkfydk esa iznku dh xbZ gS% rkfydk la[;k 3-20% 1 vizSy 2021 ls 31 ekpZ] 2022 rd ds vuqlkj o"kZ ds nkSjku lhth,e,l esa yafcr] izkIr vkSj fuiVkbZ xbZ f’kdk;rksa dh fLFkfr fuEufyf[kr rkfydk esa iznku dh xbZ gS% Ø- {ks= 31 ekpZ 31 ekpZ 31 ekpZ 31 ekpZ 2022 rd la 2021 rd ds 2022 rd 2022 rd yafcr izfr’kr vuqlkj yafcr izkIr lqy>kbZ xbZ 1 dsanz ljdkj 488 5052 5200 340 2 jkT; ljdkj 492 6,491 6233 750 3 ihvksih 471 29,966 29,716 721 4 dksiksZjsV 1 55 53 3 5 U;klh cSad 200 50 166 84 6 ,uih,l ykbV 637 41,284 41,103 818 7 ,ihokbZ (,ihokbZ-,lih) 155 714 771 98 72okf"kZd fooj.k - 2021-22 Ø- {ks= 31 ekpZ 31 ekpZ 31 ekpZ 31 ekpZ 2022 rd la 2021 rd ds 2022 rd 2022 rd yafcr izfr’kr vuqlkj yafcr izkIr lqy>kbZ xbZ 8 bZ,uih,l 395 21,608 21,849 154 9 lhvkj, 1,131 126,918 127,584 465 10 ,uih,l U;kl 46 2,397 2,079 364 dqy 4016 234535 234754 3797 lzksr % lhvkj, izkIr dh xbZ izeq[k f”kdk;rsa& ysunsu fooj.k] [kkrs lykgdkj ¼vkj,½ dks ih,QvkjMh, }kjk iath—r esa iznf”kZr u gksus okyh va”knku jkf”k] izku dkMZ fd;k x;kA foÙk o"kZ 2020&21 esa ukekafdr gq,] lacaèkh] vuqi;qDr vfHknkrk fooj.k izlaLdj.k] va”knku çLrqr gq, vkSj mÙkh.kZ gq, mehnokjksa dk rqyukRed jkf”k dh viyksfMax esa foyac vkfn ls lacaf/kr FkhA frekgh lkj fuEukuqlkj gS% vfHknkrkvksa }kjk f”kdk;rsa lhth,e,l esa ntZ dh rkfydk la[;k 3-22% lsokfuo`fÙk lykgdkj xbZ vkSj vko”;d dkjZokbZ ds fy, lh/ks lacaf/kr izek.ku fooj.k e/;LFk bdkbZ dks c<+kbZ xbZ A vr% ;g lacaf/kr e/;LFk bdkbZ dk mÙkjnkf;Ro gS fd lhth,e,l esa ,uvkbZ,l,e Js.kh-XVII: f”kdk;rks] tks muds fo:) dh xbZ gSa]a dk lek/kku lsokfuo`fÙk lykgdkj izek.ku djs vkSj mUgsa fuiVk,A ekg ukekafdr izLrqr mÙkh.kZ vizSy&twu 2021 44 29 19 3-6 lsokfuo`fÙk lykgdkjksa ds fy, çek.ku dk;ZØe tyq kb&Z flrca j 2021 83 68 45 vDVcw j&fnlca j 2021 78 72 56 isa”ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ,uih,l tuojh&ekp Z 2022 94 71 45 ds dojst dks c<kus vkSj ,uih,l ds rgr laifÙk vkoafVr djus vkSj ih,Q,e pquus ds fy, vfHknkrkvksa dqy 299 240 165 dks lykgdkj lsok,a çnku djus ds fy, lsokfuo`fÙk 3-7 çkf/kdj.k }kjk e/;LFk bdkbZ;ksa ds lykgdkjksa dks iath—r dj jgk gSA lsokfuo`fÙk vkadM+s] v/;;u] vuqla/kku vkSj ifj;kstukvksa lykgdkjksa dk dk;Z vkSj mÙkjnkf;Ro isa”ku {ks= dh dh opuc)rk vkSj çorZu lfgrA Øfed o`f) lqfuf”pr djuk gSA ih,QvkjMh, us] ih,QvkjMh, ¼lsokfuo`fÙk lykgdkj½ fofu;e 2016 tulkaf[;dh] lsokfuo`fÙk cpr vkSj fuos”k ds vkèkkj ds vuqlkj lsokfuo`fÙk lykgdkj ds :i esa O;fä;ksa dks ij ,d O;kid vkadM+ksa dk laxzg vkSj ladyu] iathdj.k çek.ki= nsuk “kq: dj fn;kA ih,QvkjMh, fofHkUu foÙkh; laxBuksa }kjk tkjh fd, x, fofHkUu us lsokfuo`fÙk lykgdkj çek.ku tkap ds çek.ku ds foÙkh; mRikn@;kstuk,a tks varfuZfgr vfHknkrkvksa fy, us”kuy baLVhVîwV v‚Q flD;ksfjVht ekdsZV dh o`)koLFkk vk; lqj{kk dks iwjk djus ds fy, ¼,uvkbZ,l,e½ dks ekU;rk nh gSA ekpZ 2021 rd] fufeZr gSa] buls mRiUu çfrQy] vfHknkrkvksa dks dqy 743 mEehnokj lsokfuo`fÙk lykgdkj çek.ku çnku çdVhdj.k vkSj lqj{kk vkfn ih,QvkjMh, ds ijh{kk esa çekf.kr FksA foÙk o’kZ 2021&22 esa] 19 Uk, ekStwnk fØ;kdykiksa esa “kkfey gSaA bl fn”kk esa] lsokfuo`fÙk lykgdkj ¼vkj,½] O;fäxr Js.kh esa] 04 ih,QvkjMh, esa fofHkUUk isa”ku ;kstukvksa ds rgr O;fDrxr lsokfuo`fÙk lykgdkj uohuhÑr Js.kh vkSj doj fd, x, yksxksa vkSj fofHkUu ;kstukvksa ds rgr O;fäxr Js.kh ls fHkUu Js.kh esa 04 u, lsokfuo`fÙk isa”ku çkIr djus okys yksxksa ds ckjs esa tkudkjh 73Hkkx&III ladfyr dj jgk gSA ih,QvkjMh, ns'k esa vU; isa'ku 3-8-2 foÙkh; vfHkdj.kksa vkSj vU; vfHkdj.kksa çnkrkvksa ls tkudkjh ,df=r djus dh çfØ;k esa ds lkFk leUo; ds fy, dk;ZØe layXu gSA ih,QvkjMh,] Hkkjrh; fjtoZ cSad ¼vkjchvkbZ½]Hkkjrh; 3-8 vfHknkrkvksa vkSj vke turk dks isa’ku] çfrHkwfr vkSj fofue; cksMZ ¼lsch½] ba';ksjsal jsxqysVjh lsokfuo`fÙk cpr vkSj lacaf/kr eqn~nksa vkSj ,aM MsoyiesaV vFk‚fjVh v‚Q bafM;k ¼vkbZvkjMh,vkbZ½ fcpkSfy;ksa ds çf’k{k.k fooj.k ij f’kf{kr djus ds lkFk us'kuy lsaVj Q‚j Qkbusaf'k;y ,tqds'ku ds fy, mBk, x, dne ¼,ulh,QbZ½ ds lkFk /kkjk 8 ¼u‚V Q‚j ç‚fQV½ dks c<+kok ns jgk gSA ih,QvkjMh, us 100 djksM+ 3-8-1 isa’ku ls lacaf/kr foÙkh; lk{kjrk% dh “ks;j iwath ls 10 djksM+ dk ;ksxnku fn;k gS] tcfd vkjchvkbZ] lsch vkSj vkbZvkjMh,vkbZ izR;sd foÙkh; fLFkjrk vkSj fodkl ifj"kn~ ¼,Q,lMhlh½ ds us #-30 djksM+ dk ;ksxnku fn;k gSA ,ulh,QbZ dk lnL; ds :i esa ih,QvkjMh,] bldh mi&lfefr] y{;] miHkksäk laj{k.k vkSj f'kdk;r fuokj.k ds dk;Z lewgksa vkSj fofHkUu varj&fu;ked Qksje vFkkZr~ fy, fu"i{k vkSj ikjn'khZ e'khujh ds lkFk fofu;fer baVj jsxqysVjh VsfDudy xzqi ¼vkbZvkj ,aM Vhth½] laLFkkvksa ds ek/;e ls mfpr foÙkh; mRiknksa vkSj Qkbusaf’k;y buDywtu ,aM Qkbusaf'k;y fyVjslh lsokvksa dks miyC/k djkrs gq, yksxksa dks iSls dk ¼Vhth,QvkbZ,Q,y½ ij VsfDudy xzqi] baVj jsxqysVjh çcaèku vkSj vfèkd çHkkoh <ax ls foÙkh; dY;k.k çkIr Qksje QkWj ekWuhVfjax Qkbusaf'k;y dkaXyksesjsV~l djus esa enn djus ds fy, cM+s iSekus ij foÙkh; ¼vkbZvkj,Q&,Qlh½] ofdZax xqzi vkWu jst+ksY;w”ku f'k{kk vfHk;ku 'kq: djuk gS A jstkbe QkWj Qkbusaf'k;y baLVhVîw'kal ij dk;Zlewg okyh bu lfefr;ksa@lewgksa@eapksa ds mn~ns”; dks ,ulh,QbZ dk mís'; Hkkjr esa lHkh oxksaZ ds fy, vkxs c<+kus esa lfØ; :Ik ls ;ksxnku nsrk gSA Qkbusaf'k;y LVsfcfyVh ,aM MsoyiesaV dkmafly dh foÙkh; f'k{kk ij jk"Vªh; j.kuhfr ds vuqlkj foÙkh; ih,QvkjMh, us /ku] foÙkh; fu;kstu] lsokfuo`fÙk f'k{kk dk çpkj djuk vkSj tula[;k ds lHkh oxksaZ ds ;kstuk] fuos'k ewY;kadu vkSj okf"kZdh ls lacaf/kr fy, ls foÙkh; f'k{kk vfHk;kuksa ds ek/;e ls lsfeukj] ewyHkwr rRoksa vkSj vo/kkj.kkvksa ij tkx:drk QSykus odZ'k‚i] lEesyuksa] çf'k{k.k] dk;ZØe ] vfHk;ku] ppkZ vkSj vfHknkrkvksa vkSj vke turk dks f'kf{kr djus eapksa ds ek/;e ls foÙkh; :i ls tkx:d vkSj l'kä ds fy, osclkbV www.pensionsanchay.org.in cukuk gS ;k laLFkkuksa] laxBuksa dh lgk;rk ls vkSj fufeZr dh gSA osclkbV /ku vkSj foÙkh; fu;kstu foÙkh; f'k{kk esa çf'k{k.k çnku djus vkSj bysDVª‚fud vkSj lsokfuo`fÙk ;kstuk ls lacaf/kr fo"k;ksa vkSj ekSfyd ;k xSj&bysDVª‚fud çk:i] odZcqd] esa foÙkh; f'k{kk rRoksa vkSj voèkkj.kkvksa ds lanHkZ çnku djrh gS vkSj lkexzh cukus ds fy, tula[;k dk;Zi=dksa] lkfgR;] ,d Cy‚x vuqHkkx dh lqfo/kk nsrh gS ftlesa isa'ku] iSEQysV] iqfLrdk] ¶yk;j] rduhdh lgk;rk vkSj cpr vkSj fuos'k] lsokfuo`fÙk ;kstuk] /ku vkSj foÙk foÙkh; lk{kjrk esa lq/kkj ds fy, foÙkh; cktkjksa vkSj ds cqfu;knh <kaps vkSj lsokfuo`fÙk ;kstuk ds igyqvksa foÙkh; fMftVy eksM ij y{; vk/kkfjr n'kZdksa ds ls lacafèkr fo"k;ksa ij ppkZ gksrh gSA osclkbV esa fy, mi;qä foÙkh; lkfgR; rS;kj djuk gS rkfd fcgsfo;jy ,LisDV~l v‚Q fjVk;jesaV Iykfuax] /ku foÙk esa muds Kku] le>] dkS'ky vkSj {kerk esa lqèkkj vkSj foÙk ds ewyHkwr rRo] lsokfuo`fÙk fu;kstu] cpr gks ldsA vkSj fuos”k] ij ,d Cy‚x vuqHkkx Hkh gSA CykWx Hkkx esa 72 ys[k gSa] ftues ls 9 ys[k foÙk o’kZ 2021&22 ,ihokbZ dks ,ulh,QbZ e‚Mîwy esa 'kkfey fd;k x;k ds nkSjku is”k fd, x, gSa] vkSj ;g ns”kHkj ds ys[kdksa gS] tks U;wure isa'ku dh xkjaVh nsus okyh ljdkjh }kjk Hksts x, gSaA foÙk o’kZ 2021&22 ds nkSjku] isa”ku ;kstukvksa esa ls ,d gSA blds vykok] ,uih,l dks lap; osclkbV ij dqy vkxarqdksa dh la[;k 3]39]001 Hkh lsokfuo`fÙk vko';drkvksa ds lek/kku ds :i esa FkhA ,ulh,QbZ e‚Mîwy esa Hkh “kkfey fd;k x;k gSA 74okf"kZd fooj.k - 2021-22 Hkkjr ljdkj ds fy, foÙkh; f'k{kk ds fy, jk"Vªh; tkx:drk vfHk;ku gS] ftls cPpksa vkSj ;qokvksa dks j.kuhfr ¼,u,l,QbZ% 2020-25½ Hkkjrh;ksa dks foÙkh; iSls ds ekeyksa] vkthfodk vkSj m|ferk ds ckjs esa dY;k.k çkIr djus ds fy, ,d cgq&fgr/kkjd tkuus ds fy, çsfjr djus ds fy, fgr/kkjdksa dh ,d –f"Vdks.k viukus dh flQkfj'k djrh gSA ,u,l,QbZ foLr`r J`a[kyk dks çksRlkfgr djus ds fy, ifjdfYir 2020&25 dh dk;Z ;kstuk ds rgr uhfrxr y{; ds fd;k x;k gSA lsch Hkkjr esa th,eMCy;w vfHk;ku vuqlkj] d{kk VI ls XII ds Nk=ksa ds fy, Ldwyh ds jk”Vªh; leUo;d ds :i esa Fkk vkSj th,eMCy;w ikBîØe esa foÙkh; f'k{kk dh lkexzh dks lHkh {ks= dk vk;kstu 21 ekpZ 2022 ls 27 ekpZ] 2022 ds fu;kedksa ds leUo; ls rS;kj fd;k x;k gSA nkSjku fd;k x;k FkkA ih,QvkjMh, ds ,d ofj"B vf/kdkjh us 24 ekpZ] 2022 dks th,eMCy;w esa vfrfFk blds vykok] ih,QvkjMh, }kjk ,u,l,QbZ vkSj vU; oDrk ds :Ik esa Þlsokfuo`fÙk ds fy, LekVZ rjhds ls fofu;kedksa ds leUo; ,oa lek;kstu ls lQyrkiwoZd ;kstuk cukusß ij ,d jk"Vªh; Lrj ds osfcukj dks Hkh foÙkh; lk{kjrk lIrkg ¼,Q,yMCy;w 2022½ 14 lacksfèkr fd;kA Qjojh ls 18 Qjojh] 2022 rd vk;ksftr fd;k x;k gSA 16 Qjojh 2022 dks “Transforming India’s 3-8-3 ehfM;k vkSj lapkj ij ih,QvkjMh, ds Pension System Through Digitisation-Scope ç;kl vkSj ,uih,l@ ,ihokbZ tkx:drk and Way Forward” jkf’Vª; Lrj dk osfcukj vk;ksftRk fd;k x;k] tks fd ih,QvkjMh, ds ofj’B vf/kdkfj;ksa }kjk lacksf/kr fd;k x;kA mi;ZqDr ds vfrfjDr ih,QvkjMh, us Xykscy euh ^Hkkjr dks ,d isa”ku;qDr lekt* cukus ds n`f’Vdks.k ohd ¼Tkh,eMCy;w½ ds nkSjku lfØ; :i ls Hkkx ds lkFk ih,QvkjMh, us isa”ku vkSj lsokfuo`fÙk ;kstuk fy;k] tks ,d okf”kZd varjkZ"Vªh; foÙkh; f”k{kk ij tkx:drk fuekZ.k djus ds fujarj iz;kl dks tkjh 75Hkkx&III j[kk gSA bl i`’BHkwfe esa] izkf/kdj.k }kjk fofHkUu pSuy lekpkj i=ksa esa fçaV foKkiu fd, x,A iwjs Hkkjr dks ;k lapkj ds ek/;e vFkkZr~ lks”ky ehfM;k] fMftVy “kkfey djrs gq, 342 jsfM;ks LVs'kuksa ds ek/;e ls ekxZ] bySDVªkfud ehfM;k ¼JO; vkSj n`”;½ vkSj fizaV vke turk dks lwfpr djus ds fy, ,uih,l jsfM;ks ehfM;k dks foÙkh; ,oa isa”ku lk{kjrk ij f”kf{kr vfHk;ku 'kq: fd, x, FksA foÙkh; o"kZ dh pkSFkh djus vkSj bls c<+kus ds fy, vkSj ,uih,l@,ihokbZ frekgh esa MhMh U;wt vkSj nwjn'kZu ds 28 {ks=h; dsaæksa ds xq.k vkSj ykHk] fo”ks’k :i ls ,uih,l ds fy, ds ek/;e ls ,uih,l ds dj ykHkksa ij cy nsrs gq, 18&65 o’kZ ds vk;q lewg vkSj ,ihokbZ ds fy, 18&40 ,uih,l ds fy, Vhoh LØ‚y vfHk;ku pyk, x,A ds vk;q lewg okys ukxfjdksa dks Li’V djus ds Qslcqd] fV~oVj vkSj fyaDMbu tSls lks'ky ehfM;k fy, viuk;k x;kA lHkh ehfM;k fØ;kdyki foKkiu IysVQ‚eZ ij isM eSlst iksLV djds ukekadu c<+kus ds vkSj n`”; izpkj funs”kky; ¼Mh,ohih½ vkSj izlkj mís”; ls iwjs lky fMftVy@lks”ky ehfM;k vfHk;ku Hkkjrh ¼,vkbZvkj vkSj nwjn”kZu½ }kjk O;oLFkk,a djrs Hkh pyk, x,] ftlesa ,uih,l dh lnL;rk ysus ds gq, fd, tk,axs A ,uih,l ds fo’k; esa oschukj@ ykHk “kkfey FksA lsehukj@vkWuykbu dk;Z”kkykvksa@bZ&lEesyu vkfn 1 vDVwcj 2021 dks bu xfrfof/k;ksa & ^,uih,l }kjk lwpuk iznku djus vkSj tkx:d djus ds fy, fnol^ ij çsl ehV vk;ksftr dh xbZ tks fd fMftVy eapksa dks rS;kj fd;k x;k FkkA fofHkUu ehfM;k ek/;eksa ij blds çpkj ds lkFk& foÙk o"kZ 2021&22 ds nkSjku] ,uih,l fçaV vfHk;ku ^ih,QvkjMh, }kjk ,uih,l fnol dh ?kks’k.kk^ ds ;g lwfpr djus ds fy, pyk, x, Fks fd ,uih,l fy, çsl foKfIr] jsfM;ks t‚dh }kjk ?kks’k.kk ¼foKkiu D;k gS] blesa dkSu 'kkfey gks ldrk gS] fu;ksäk dks ykbo½ &] lekpkj çlkj.k ds nkSjku 15 ckj cx blls izkIr gksus okys ykHk] dj çksRlkgu vkSj fçaV ¶yS’k ¼10 lsdaM½ ] Vhoh Li‚V ¼30 lsdaM½ & 5 ckj] foKkiu fMtkbu D;wvkj dksM ds lkFk vafdr fd, ihvkj ,tsalh ds ek/;e ls lks'ky ehfM;k vfHk;ku] x, Fks] ftlls mi;ksxdrkZ ,uih,l ds fo’k; esa fV~oVj VªsaM] v/;{k Vhoh lk{kkRdkj 15 feuV ds fy, vf/kd tkudkjh izkIr djus ds fy, ,uih,l U;kl ¼MhMh ds ek/;e ls fganh vkSj vaxzsth½] v/;{k jsfM;ks ds oscistksa ij tk ldrs gSaA ns'k Hkj esa dojst ds lk{kkRdkj 15 feuV ¼,vkbZvkj ds ek/;e ls fganh lkFk fganh] vaxzsth vkSj 11 {ks=h; Hkk”kkvksa ds 155 vkSj vaxzsth½] ,uih,l fnol }kjk çk;ksftr 01 feuV 76okf"kZd fooj.k - 2021-22 dk ohfM;ks ¼04 çdkj 24 ckj pyk;k x;k½ th U;wt] igys gh 'kkfey gks pqds gSaA ,ihokbZ ;kstuk ds fçaV lekpkj i= foKkiu ¼,uih,l fnol½] ihvksih ds foKkiu fMtkbu ns'k Hkj ds 210 lekpkj i=ksa esa lg;ksx ls l”kqYd ,uih,l fnol foKkiu& ds lkFk tkjh fd, x, FksA ,uih,l fnol euk;k x;kA ukxfjdk as vkjS vfHknkrkvk as dk s mud s vkfFkdZ vkjS ,ihokbZ ds 3 vf}rh; ykHkksa dk lans'k nsus ds fy, lkekftd dY;k.k d s fy, gkfudkjd /kk[s kk/kMh+ ,ihokbZ fçaV vfHk;ku pyk;k x;k Fkk vkSj foKkiu xfrfof/k;k as d s ckj s e as tkx:d vkjS lrd Z j[ku s ds u dsoy mRikn is”kd”kksa ds ckjs esa tkudkjh çnku fy,] ih,QvkjMh,@,uih,l d s uke ij /kk[s kk/kMh+ vkjS djus ds fy, cuk, x, Fks cfYd laHkkfor vfHknkrkvkas tkylkth dh jkds Fkke d s fy, lpw uk dk çlkj djus dks ;g lwfpr djds ;kstuk esa “kkfey gksus ds fy, d s fy, çkf/kdj.k }kjk viu s lk”s ky ehfMy gMaS y ij çksRlkfgr djrs Fks fd 3 djksM+ ls vf/kd vfHknkrk VDs LV vkjS xkzfQdy lna ”s k ikLs V fd, x,] 288 lekpkj 77Hkkx&III i=k as dk s doj dju s oky s fçVa ehfM;k e as vkof/kd vra jky viuh uhfr;ksa] xfrfof/k;ksa vkSj ;kstukvksa ds ckjs esa ij lkotZ fud ukfsVl tkjh fd, x,] ih,QvkjMh, tkudkjh çlkfjr djus ds mís'; ls fofHkUu tulaidZ ocs lkbV e as 'kkfey LØ‚fyxa lna 's k vkjS i'as ku lpa ; xfrfof/k;ka@lapkj djrk gSA foÙk o"kZ 2021&22 ds ocs lkbV e as ohfM;k s lna 's k “kkfey fd, x, A nkSjku] ih,QvkjMh, us 02 çsl cSBdsa] 54 ehfM;k lk{kkRdkj@ckrphr dk vk;kstu fd;k vkSj 27 çsl 3-8-4 lsokfuo`fÙk lykgdkjksa ds fy, çek.ku foKfIr;ka tkjh dh xbZ] ftlesa fçaV] JO;] v‚uykbu dk;ZØe vkSj n`”; ehfM;k pSuyksa ij çdk'ku ds fy, uhfrxr ifjorZuksa vkSj fodklksa dks laçsf"kr fd;k x;k vkSj ikjaifjd ehfM;k dh pqukSfr;ksa dks /;ku esa j[krs 438 lekpkj i=ksa vkSj 561 v‚uykbu lekpkj eapksa gq, vkSj vke rkSj ij bls turk ds fy, ,drjQk esa dojst fd;k x;kA lsokfuo`fÙk ;kstuk] isa'ku vkSj lapkj ds :i esa vafdr djrs gq,] lks'ky ehfM;k o`)koLFkk vk; lqj{kk ls tqM+h pqukSfr;ksa ds fofHkUu eap yf{kr n'kZdksa ls izfrfØ;k izkIr djus ds lkFk igyqvksa dks fçaV vkSj v‚uykbu ehfM;k esa 07 fo'ks"k yf{kr n'kZdksa ds fy, lapkj vkSj lans'k ds forj.k ys[kksa ds ek/;e ls çlkfjr fd;k x;k FkkA dk ,d cgq&vk;keh pSuy çnku djrk gSA lks'ky ehfM;k turk ds lkFk laidZ vkSj tqM+ko ds fy, 3-8-6 çf’k{k.k ,d egRoiw.kZ Hkwfedk fuHkkrk gS vkSj ih,QvkjMh, vfHknkrkvksa ds lkFk laidZ cuk, j[kus vkSj tqM+s jgus ih,QvkjMh, us fiNys 05 foÙkh; o"kksaZ esa 2-26 dh fn”kk esa ,uih,l vkSj ,ihokbZ ds fy, Qslcqd] yk[k ls vf/kd çfrHkkfx;ksa dks çf'k{k.k l=ksa ds fV~oVj] fyaDMbu] ;wVîwc ij vius [kkrs dks lfØ; ek/;e ls ,uih,l@,ihokbZ ij tkudkjh çlkfjr :i ls cuk, gq, gS A dh FkhA bu çf'k{k.k l=ksa ds çfrHkkfx;ksa dks ,uih,l@,ihokbZ dh eq[; fo'ks"krkvksa] ;kstukvksa ih,QvkjMh, ds lks'ky ehfM;k gSaMy ds Q‚yksvlZ esa 'kkfey gksus dh çfØ;k] fuf/k izca/kd ds p;u gSa% ,ihokbZ Qslcqd ist&72159] ,uih,l ds fy, miyC/k fodYi] ifjlaifÙk vkoaVu] okf"kZdh Qslcqd&40008] fV~oVj&8347 vkSj foÙkh; o"kZ ;kstuk] f'kdk;rksa ds lek/kku dh çfØ;k vkfn ds 2021&22 ds nkSjku dqy 677 Qslcqd iksLV] 785 ckjs esa tkudkjh nh xbZA orZeku esa] ih,QvkjMh, V~ohV vkSj fyaDMbu ij 363 iksLV fd, x,] tks }kjk fofHkUu fgr/kkjdksa tSls&ljdkjh {ks= egRoiw.kZ lwpuk vkSj v|ru uhfrxr ifjorZuksa dks uksMy dk;kZy;] dksiksZjsV] mifLFkfr vfLrRoksa dh çlkfjr djus vkSj yf{kr oxZ@n'kZdksa dks 'kkfey izf”k{k.k vko”;drkvksa dks iw.kZ djus ds fy, 04 djus ds mís'; ls lk>k fd, x, FksA izf”k{k.k vfHkdj.k lwphc) fd, x, gSa A ghjks ekbaMekbu fyfeVsM uked fu;qDr izf”k{k.k ,tsalh 3-8-5 tulaidZ vkSj lapkj us 01@10@2021 ls 31@03@2022 rd vius çkf/kdj.k tkx:drk c<+kus vkSj o`)koLFkk vk; lqj{kk dk;Zdky ds nkSjku ns'kHkj esa dqy 40520 izfrHkkfx;ksa dks c<+kok nsus vkSj vfHknkrk fgrksa dh j{kk ds fy, ds fy, çf'k{k.k l= vk;ksftr fd, FksA 78okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-23% ,uih,l ds rgr izf’k{k.k l=ksa vkSj izfrHkkfx;ksa dh la[;k ij {ks=okj forj.k 79 l,hiu, {ks= izf’k{k.k izfrHkkxh l= la[;k Zbkohi, {ks= izf’k{k.k izfrHkkxh l= la[;k dsanz ljdkj 9 972 O;olkf;d loa knnkrk 55 5099 jkT; ljdkj 153 15938 Mkd foHkkx 9 972 dksiksZjsV 18 1616 lkoZtfud {ks= cSad 72 7675 mifLFkfr vfLrRo 41 4006 {ks=h; xzkeh.k cSad 55 4242 dqy 22 22532 dqy 191 17988 orZeku esa] fofHkUu fgr/kkjdksa vFkkZr~ ljdkjh {ks= ds ek/;e ls ,d ,l,e,l lqfo/kk Hkh miyC/k gSA uksMy dk;kZy;] d‚iksZjsV] mifLFkfr vfLrRo vkSj ,uih,l@,ihokbZ lwpuk MsLd jk’Vªh; vodk”kksa dks ,ihokbZ lsok çnkrk dh çf”k{k.k vko”;drkvksa dks NksM+dj lIrkg esa 7 fnu ¼jfookj lfgr½ fnu esa 8 iwjk djus ds fy, ih,QvkjMh, }kjk 04 çf”k{k.k ?kaVs ¼lqcg 9-30 & “kke 5-30 cts½ pkyw gSA ,tsafl;ksa dks lwphc) fd;k x;k gSA 3-9 foÙk o"kZ 2021&22 ds nkSjku vk;ksftr 3-8-7 ,uih,l vkSj ,ihokbZ lwpuk gsYiMsLd lEesyu] cSBdsa vkSj vU; igy 3-9-1 dsaæ vkSj jkT; ljdkj ds {ks= ds rgr n”s k Hkj l s ,uih,l vkjS ,ihokb Z ij fo”oluh; lEesyu tkudkjh tVq ku s vkjS çkIr dju s d s fy, ektS nw k vkjS lHa kkfor vfHknkrkvk as d s fy, ,d g;ew u bVa jfSDVo ljdkjh {k=s e as ,uih,l n{krk yku s d s fy, flLVe dh lfqo/kk d s fy,] ih,QvkjMh, ,d lefirZ ih,QvkjMh, fofHkUu epa k as ij ljdkjh ukMs y dk;kyZ ;ka s ,uih,l@,ihokb Z lpw uk gYs iMLs d lpa kfyr dj jgk d s lkFk lya Xu gAS mlh d s vulq j.k e]as ih,QvkjMh, g]S ftle as n”s kHkj l s ,uih,l@,ihokb Z ij ç”uk as dk dæas @ jkT;@lh,chTk@+ ,l,cht + e as ljdkjh ukMs y i”s kos j vkjS O;ofLFkr rjhd s l s tokc fn;k tkrk gAS dk;kyZ ;k as d s lkFk leh{kk cBS d as @ ohfM;k s lEeys u @ vfHknkrkvk as dh vko”;drk d s vulq kj Hkh d‚y lVas j lEeys u @ dk;'Z kkyk, a vk;kfstr djrk gAS dk mi;kxs vkmVckmMa d‚y dju s d s fy, fd;k tkrk dkfsoM & 19 d s dkj.k g,q y‚dMkmu d s vkykds e]as g S ¼vFkkrZ ~ ,ihokb Z ;kxs nku dh fujra jrk] ih,QvkjMh, ,d v‚uykbu epa d s ek/;e l s ukMs y dk;kyZ ;k as ds }kjk vk;kfstr l=k as d s fy, vke=a .k vkfn½ vkjS ,uih,l lkFk leh{kk cBS d vk;kfstr dh xb Z FkhA ih,QvkjMh, lja puk d s rgr los k, a inz ku dju vkjS çfØ;kvk as e as l/qkkj u s dæas h; e=a ky;k as vkjS dæas h; Lok;Ùk fudk;k as ¼lh,ch½ d s fy, lo{Zs k.k vk;kfstr fd;k tkrk g S ¼vFkkrZ ~ ;kts uk vkjS jkT; ljdkj rFkk jkT; ljdkj d s jkT; Lok;Rr lfqo/kkvk as dk vkda yu djuk] çf”k{k.k l= dh x.q koÙkk fudk;k as d s lkFk leh{kk cBS d@as ohfM;k s lEeys u vkfn d s ckj s e as tkx:drk mRiUu djuk½A foÙkh; o’k Z ds vk;kfstr fd,A bld s vykok] ukMs y dk;kyZ ;k as dks nkjS ku ,uih,l lpw uk gYs iMLs d dk s dkyW lVas j d s ek/;e ljdkjh vfHknkrkvk as d s fy, miyC/k fodYi i”as ku l s dyq 1-26 yk[k buckmMa d‚y çkIr g,q Fk s vkjS 6-34 fuf/k vkjS fuo's k iVS u Z d s ckj s e as tkx:d dju s d s fy, yk[k vkmVckmMa d‚y fd, x, FkAs tkx:drk l= Hkh vk;kfstr fd, x, FkAs orZeku esa] lwpuk gsYiMsLd ds nks Vksy Ýh uacj pkyw ljdkjh {k=s ] ftle as ,uih,l vfHknkrkvk as dh ,d cMh+ gSa vFkkZr~ ,uih,l ds fy, 1800110708 vkSj ,ihokbZ l[a ;k ektS nw g]S e as ,uih,l dk s cgs rj :Ik l s ykx w djus ds fy, 1800110069 pkyw gSa vkSj gsYiMsLd ls d‚y d s fy, ih,QvkjMh, }kjk viu s inz ”kuZ e as l/q kkj dju s ds cSd lsokvksa ds fy, 56677 ij ^,l,e,l ,uih,l* fy, fofHkUUk enq n~ k@as ekeyk as ij ljdkjh ukMs y dk;kyZ ;ka sHkkx&III dk s lfØ; fd;k x;k gAS bl lna Hk Z e]as ih,QvkjMh, ihlhMh, ¼usoh½] eaqcbZ ¼1½ fofHkUu rjhdk sas dk s viukrk g S vkjS lkFk gh dUsn@z jkT; lhMh, ¼ckMW jZ jkMs l½] fnYyh duS Vkus eVas ¼2½ ljdkj {k=s d s ukMs y dk;kyZ ;k as d s lkFk leh{kk cBS dk@as ihlhMh, ¼lkmFku Z dea kM½] i.q k s ¼2½ ohfM;k as dkÝa las dk vk;kts u djrk gAS j{kk ihlhMh, ¼osLVuZ daekM½] pM+hx<+ ¼2½ ih,QvkjMh, }kjk foÙk o’kZ 2021&22 ds nkSjku dsUnz ,lh,,l ¼vdkmaV~l ,aM ,oh½] ubZ fnYyh ljdkj@fOkHkkxksa vkSj jkT; ljdkjksa vkSj dsUnz vkSj ¼2½ jkT; Lok;Ùk fudk;ksa ds fy, vk;ksftr cSBdsa ,ulhVh ihvkj,vk s fefuLVhª vkQW ,ulhVh fnYyh ¼0½ rkfydk la[;k 3-24% foÙk o"kZ 2021&22 ds egkizca/ku foÙk] iksLVy vdkmaVl] fnYyh iksLVy nkSjku leh{kk cSBd@lEesyuks dh lwph ¼2½ {ks= leh{kk cSBd ,Q, vkSj lh,vks, ukWFkZu jsyos] ubZ lhth 52 fnYyh ¼0½ lh,cht+ 56 ,Q, vkjS lh,vk,s lVas ªy jys o]s, ecaq b Z ¼2½ mi&dqy ¼lhth$ lh,ch½ 108 ,Q, vkjS lh,vk,s bLZ Vu Z jys o s dydÙkk ¼2½ ,lth 62 ,Q, vkSj lh,vks, bZLV lsaVªy jsyos] gkthiqj ¼2½ ,l,ch 32 ,Q, vkSj lh,vks, lkmFkuZ osLVUkZ jsyos] mi dqy ¼,lth$ ,l,ch½ 94 gqcyh ¼1½ dqy 202 ,Q, vkjS lh,vk,s lkmFku Z jys o]s pUsub Z ¼2½ d- lhth vkSj lh,cht%& ,Q, vkSj lh,vks], osLVuZ jsyos] eqacbZ ¼1½ i) lhth% ,Q, vkSj lh,vks], lkmFk lsaVªy jsyos] fldanjkckn ¼2½ ysa[kkadu Eak=ky;@dk;kZy; dk uke xBu ,Q, vkSj lh,vks], ukWFkZ lsaVªy jsyos] ihvkj,vks] fefuLVªh vkWQ gkse vQs;lZ bykgkckn ¼1½ jsyos ¼2½ ,Q, vkSj lh,vks],lkmFk bZLVu jsyos] ihvkj,vks] lhchMhVh] fMikWVZesaV vkWQ dydÙkk ¼2½ jsoU;w] foÙk ea=ky; ¼2½ ,Q, vkSj lh,vks], ukWFkZ ÝafV;j jsyos] ihvkj,vk]s lhchblZ h, fMikVW eZ Vas vkQW jos Us;]w ekysxkao ¼1½ fefuLVhª vkQW Qkbulas ¼2½ ,Q, vkSj lh,vks], osLVuZ lsaVªy jsyos] ihvkj,vks] fMikWVZesaV vkWQ bafM;u vkWfMV tcyiqj ¼1½ ukxfjd ,aM vdkamV~l ¼2½ ,Q, vkSj lh,vks], ukWFkZ osLVuZ lsaVªy ihvkj,vks] fMikVZesaV vkWQ ,Vksfed jsyos] t;iqj ¼1½ ,uthZ ¼2½ ,Q, vkSj lh,vks], lkmFk bZLV lsaVªy ihvkj,vk]s fMikVW eZ Vas vkQW Lils ¼2½ jsyos] fcykliqj ¼2½ ihvkj,vks] vaMeku ,aM fudksckj vkbySaM ,Q, vkSj lh,vks], ukFkZ bZLVuZ jsyos] ,MfefuLVªs”ku ¼1½ xksj[kiqj ¼2½ ihvkj,vks] fefuLVªh vkWQ iluZy] ,Q, vkSj lh,vks] bZLV dksLV jsyos] ifCyd xzhokal ,aM isa”ku ¼2½ Hkqous”oj ¼1½ 80okf"kZd fooj.k - 2021-22 ii) lh,ch% ihvkj,vks] tokgjyky baLVhV;wV vkWQ iksLV xzstq,V esfMdy ,tqds”ku ,aM ihvkj,vks] dsanzh; fo|ky; laxBu] lh,ch fjlpZ] iqnqPpsjh ¼2½ ubZ fnYyh ¼2½ ihvkj,vk,s VkVk ees kfsj;y lVas j] ecaq b Z ¼1½ ihvkj,vks] deZpkjh jkT; chek dksiksZjs”ku ¼eq[;ky;½]ubZ fnYyh ¼2½ ihvkj,vks] fnYyh fodkl izkf/kdj.k] ubZ fnYyh ¼1½ ihvkj,vks] mÙkjh fnYyh uxj fuxe] ubZ fnYyh ¼0½ ihvkj,vks] bafM;u dkmafly vkWQ esfMdy fjlpZ]] ubZ fnYyh ¼2½ ihvkj,vks] nf{k.kh fnYyh uxj fuxe] fnYyh ¼2½ ihvkj,vks] Hkk[kM+k O;kl eSustesaV cksMZ] paMhx<+ ¼2½ ihvkj,vks, iwohZ fnYyh uxj fuxe] fnYyh ¼1½ ihvkj,vks] Mk;jsDVjsV vkWQ fMQsal ,LVsVl lkmFkuZ dekaM] iq.ks ¼2½ ihvkj,vks, vkWy bafM;k baLVhV;wV vkWQ esfMdy lkablsl] ubZ fnYyh ¼2½ ihvkj,vks] MkW;jsDVjsV vkWQ fMQsal ,LVsVl lsaVªy dekaM] y[kuÅ ¼2½ ihvkj,vks, bafM;u dkmafly vkWQ ,xzhdYpjy fjlpZ] ubZ fnYyh ¼2½ bafM;u baLV~Vh;wV vkWQ VsDuksykWth] ckWEcs ¼2½ ihvkj,vks, deZpkjh Hkfo’; fuf/k laxBu] ubZ fnYyh ¼2½ ihvkj,vks] vkWy bafM;k baLVhV;wV vkWQ esfMdy lkabl] jk;iqj ¼2½ ihvkj,vks] dkmafly vkWQ lkbafVfQd ,aM baMlfVª;y fjlpZ] ubZ fnYyh ¼2½ ihvkj,vks] vkWy bafM;k baLVhV;wV vkWQ esfMdy lkabl] _f’kds”k ¼2½ ihvkj,vks] fnYyh ty cksMZ] ubZ fnYyh ¼2½ ihvkj,vks] vkWy bafM;k baLVhV;wV vkWQ esfMdy lkabl] Hkksiky ¼2½ ihvkj,vks, uoksn; fo|ky; lfefr, uks,Mk ¼2½ ihvkj,vks] vkWy bafM;k baLVhV;wV vkWQ esfMdy lkabl] tks/kiqj ¼2½ ihvkj,vks, iksLV xzstq,V baLVhV;wV vkWQ esfMdy ,tqds”ku ,aM fjlpZ] ihvkj,vks] lsaVªy ,xzhdYpjy ;wfuoflZVh] paMhx<+ ¼2½ bEQkWy ¼2½ vyhx< + efqLye fo”ofo|kky;] vyhx< + ¼2½ Ikhvkj,vks] bafM;u baLV~Vh;wV vkWQ VsDuksykWth] [kM+xiqj ¼2½ ihvkj,vks] cukjl fganw fo”ofo|ky;] okjk.klh ¼2½ ihvkj,vks] fo”kk[kkiV~Vue iksVZ VªLV] fo”kk[kkiV~Vue ¼2½ ihvkj,vks] izlkj Hkkjrh] ubZ fnYyh ¼2½ ihvkj,vks] us”kuy baLVhV;wV vkWQ esaVy ihvkj,vks] ubZ fnYyh uxj fuxe] gsYFk ,aM U;wjks lkbal] cSaXyksj ¼2½ ubZ fnYyh ¼0½ 81Hkkx&III [k- ,lth vkSj ,l,chTk+ i. ,lt iwoZ mÙkj iwoZ mÙkj nf{k.k dsanz Ikf’pe fcgkj ¼2½ vle ¼2½ fgekpy izns”k vka/kzizns”k ¼2½ NÙkhlx<+ ¼2½ xksok ¼2½ • • • • • • ¼2½ >kj[kaM ¼2½ v:.kkpy dukZVd ¼2½ e/;izns”k ¼2½ xqtjkr ¼2½ • • • • • izns”k ¼2½ tEew vkSj mM+hlk ¼2½ • dsjy ¼2½ mÙkj izns”k ¼2½ egkjk’Vª ¼2½ • • • • d”ehj ¼2½ ef.kiqj ¼2½ • iqnqpsjh ¼2½ izns”k jktLFkku¼2½ • • pM+hx<+ ¼2½ es?kky; ¼2½ • • rsyaxkuk ¼2½ • gfj;k.kk ¼2½ fetksje ¼2½ • • mÙkjk[kaM ¼2½ ukxkySaM ¼2½ • • iatkc ¼2½ f=iqjk ¼2½ • • yn~nk[k ¼2 flfDde ¼2½ • • *¼½ lacaf/kr dk;kZy; ds lkFk leh{kk cSBd dks n”kkZrk gS ii) ,l,chTk+ ,lth lacaf/kr jkT; ljdkjksa ds ,l,cht] ,lth lacaf/kr jkT; ljdkjksa ds ,l,cht] ftuds lkFk cSBdsa vk;ksftr dh xbZ ftuds lkFk cSBdsa vk;ksftr dh xbZ fcgkj fcgkj LVsV ikWoj gksfYMax daiuh e/; izns”k Ykksd funsZ”k funs”kky;] e/;izns”k ¼0½ fyfeVsM ¼2½ uxjh; iz”kklu ,oa fodkl funs”kky;] NÙkhlx<+ yksd funsZ”k funs”kky;] jk;iqj] Hkksiky ¼1½ NÙkhlx<+ ¼2½ iatkc iatkc LVsV ikWoj dksiksZjs”ku fyfeVsm] “kgjh iz”kklu vkSj fodkl] jk;iqj ¼2½ IkfV;kyk ¼2½ iapk;r funs”kky;] jk;iqj ¼2½ jktLFkku LFkkuh; fudk; funs”kky;] t;iqj ¼2½ xqtjkr lwjr uxj fuxe] lwjr ¼1½ dsjy dsjy LVsV cksMZ VªkaliksVZ dkWiksZjs”ku] fr:oauriq:e ¼2½ vgenkckn E;qfufliy dkWiksZjs”ku] vgenkckn ¼2½ Dsjy LVsV bysDVªhflVh cksMZ fyfeVsM] fr:oauriq:e ¼2½ vka/kz izns”k , ih ekWMy ¼1½ mÙkj izns”k foÙk fu;a=d] csfld f”k{kk ifj’kn~] dukZVd ukxfjd iz”kklu funs”kky; ¼2½ bykgkckn ¼2½ gfj;k.kk nf{k.k gfj;k.kk fctyh forj.k fuxe f”k{kk funs”kky; ek/;fed] bykgkckn fyfeVsM] fglkj ¼1½ ¼2½ mPp f”k{kk funs”kky;] y[kuÅ ¼2½ 3-9-2 ljdkjh {ks= esa ,uih,l ds lqpk: d½ dsaæ ljdkj ds {ks= ds uksMy dk;kZy;ksa dks dk;kZUo;u ds fy, mBk, x, dne leh{kk cSBdksa@ckrphr ds nkSjku lhlh,l ¼,uih,l½ fu;e] 2021 ds rgr çnku fd, 3-9-2-1 ,uih,l ds lqpk: dk;kZUo;u ds fy, x, fofHkUu çko/kkuksa dk ikyu djus dh lykg lhth ea=ky;ksa@dsaæh; Lok;Ùk fudk;ksa@jkT; nh xbZ] rkfd ,uih,l ds rgr xfrfof/k;ksa dks ljdkjksa@jkT; Lok;Ùk fudk;ksa dks lq>k, x, le; ls iwjk fd;k tk ldsA mik; 82okf"kZd fooj.k - 2021-22 [k½ lhth vkSj ,lth {ks= ds uksMy dk;kZy;ksa dks djus ds ekeys esa eqvkots dk çko/kku] lykg nh xbZ gS fd os ,llh,Q dks viyksM • fu;fer@vkarfjd ys[kkijh{kk ds ,d Hkkx djus vkSj ,uih,l ;ksxnku ds çs"k.k ds laca/k ds :i esa ,uih,l ls lacaf/kr xfrfof/k;ksa esa fofHkUu ,uih,l lacaf/kr xfrfof/k;ksa dks dks 'kkfey djuk vkSj iwjk djus ds fy, MhvksbZ] Hkkjr ljdkj }kjk fuèkkZfjr le;&lhek dk ikyu djsaA • ,uih,l xfrfof/k;ksa dks le; ij iwjk djus ds fy, v‚uykbu çku tujs'ku x½ lhth vkSj ,lth ds rgr uksMy dk;kZy;ksa e‚Mîwy ¼vksihth,e½ vkSj loZj Vw loZj dks muds varfuZfgr uksMy dk;kZy;ksa ds fy, baVhxzs'ku ¼,lVh,l½ çfØ;k dks viukukA fu;fer cSBdsa lg dk;Z'kkyk vk;ksftr djus dh lykg nh xbZ rkfd mUgsa fpark ds çeq[k 3-9-2-2 ,uih,l ds lqpk: dk;kZUo;u ds fy, {ks=ksa vkSj ifjpkyu ekeyksa ij laosnu'khy tkjh ijke’kZ vkSj ifji= cuk;k tk ldsA d½ ,uih,l lajpuk ds rgr lhvkj, iz.kkyh rd ?k½ lhth vkSj ,lth {ks= ds varxZr fujh{k.k igqapus ds fy, ljdkjh uksMy dk;kZy;ksa }kjk dk;kZy;ksa] vFkkZr ihvkj,vks@MhVh, dks lykg viukbZ tkus okyh fMftVy lqj{kk çFkkvksa ij nh xbZ Fkh fd os vius varfuZfgr ih,vks@MhVhvks lykg & lhvkj, iz.kkyh ds y‚fxu ØsMsaf”k;Yl ds çn'kZu dh leh{kk djsa vkSj lqfuf'pr djsa ds mi;ksx] xSj&lk>hdj.k vkSj lqjf{kr j[kus fd ,uih,l ls lacaf/kr xfrfof/k;ka le;c) ds laca/k esa lqj{kk çFkkvksa dks viukus ds fy, rjhds ls iwjh dh tkrh gSaA uksMy dk;kZy;ksa dks lykg nsukA M-½ jkT; ljdkjksa dks lykg nh xbZ Fkh fd os jkT; [k½ 30-09-2021 rd dksfoM&19 egkekjh ds dkj.k esa ,uih,l ds çHkkoh dk;kZUo;u ds fy, dqN xSj&IRA PRAN dks fuf"Ø; djus ds fy, uhfrxr Lrj ds mik; djus ij fopkj djsa le; lhek c<+kus ij lykg & uksMy dk;kZy;ksa tSls% dks ,sls lHkh deZpkfj;ksa ls fQftdy d‚eu lClØkbcj jftLVªs”ku Q‚eZ ¼CSRF½ ds laxzg • le;lhek fufnZ’V djrs gq, ,uih,l dh lykg nsukA fu;eksa dk fu/kkZj.k] 3-9-2-3 çkS|ksfxdh dk n{krk ds fy, ykHk • ,uih,l fujh{k.k vkSj leh{kk lfefr dk mBkuk&loZj ls loZj ,dhdj.k vkSj vksihth,e xBu] ¼v‚uykbu çku tujs’ku e‚Mîwy½ • ,uih,l ls lacaf/kr fofHkUu ekeyksa ds d½ ,uih,l ds rgr vfHknkrkvksa dk le; ij lqpk: lapkyu ds fy, lefiZr ,uih,l iathdj.k lqfuf'pr djus ds fy,] ih,QvkjMh, izdks’B dh LFkkiuk] us fofHkUUk vfHkdj.kksa }kjk uksMy dk;kZy;ksa dks lfØ; djrs gq, vksihth,e ¼v‚uykbu izku • Mh,Q,l] foÙk ea=ky; }kjk tkjh fnukad tujs'ku e‚Mîwy½ viukus dh lykg nh rkfd 31-01-2019 dh jkti= vf/klwpuk ds çku tkjh djus vkSj ,uih,l va”knku ds izs’k.k vuq:i ,uih,l ds rgr fofHkUu çko/kkuksa esa nsjh dks [kRe fd;k tk ldsA dks l{ke djus ij fopkj djsaA fu;ksäk ds ;ksxnku esa o`f)] deZpkjh&xzkgdksa ds i. vksihth,e&,uih,l ds rgr vfHknkrkvksa fy, fuos'k iSVuZ vkSj isa'ku fuf/k ¼ih,Q½ dk le; ij iathdj.k lqfuf'pr djus ds fodYi dks l{ke djuk] ,uih,l ds fy,] lhth@,lth lsDVj ds rgr ;ksxnku tek u djus ;k nsjh ls tek ljdkjh uksMy dk;kZy;ksa dks vksihth,e 83Hkkx&III ¼v‚uykbu izku tujs”ku e‚Mîwy½ viukus fooj.k jkT; ljdkj dh lykg nh xbZ Fkh rkfd çku tkjh dukZVd djus esa nsjh dks [kRe fd;k tk lds vkSj egkjk’Vª lkFk gh lClØkbcj jftLVªs'ku Q‚eZ dks mM+hlk vLohdkj fd;k tk ldsA iatkc ii. ,lVh,l&lhvkj, ç.kkyh ds lkFk uksMy jktLFkku dk;kZy;ksa ds foÙkh; l‚¶Vos;j iSdst ds f=iqjk ,lVh,l ¼loZj ls loZj½ ds ,dhdj.k dks mÙkj izns”k viukukA mÙkjk[k.M [k½ lhth@,lth uksMy dk;kZy;ksa }kjk ,lVh,l i. 31-03-2022 ij dqy 51 ,l,cht }kjk ,lVh,l dks viukus dh lap;h fLFkfr dks fuEukuqlkj dks viuk;k x;k gS vkSj ,l,cht+ dh lwph j[kk x;k gS %& uhps iznku dh xbZ gS% i. fnukad 31-03-2022 rd ds vuqlkj] dqy rkfydk la[;k 3-26% foÙk o"kZ 2021&22 ds 13 jkT; ljdkjksa }kjk ,lVh,l dks nkSjku leh{kk cSBd@lEesyuks dh lwph viuk;k x;k gS vkSj ,lth dh lwph ,lth ,l,ch uksMy dk;kZy;ksa fuEukuqlkj gS % dh la[;k ftUgksaus rkfydk la[;k 3-25% foÙk o"kZ 2021&22 ds ,lVh,l dks viuk;k gS nkSjku leh{kk cSBd@lEesyuks dh lwph egkjk’Vª 50 fooj.k jkT; ljdkj mÙkjk[kaM 1 vle dqy 51 31 ekpZ 2022 rd fcgkj i. 31-03-2022 ds vuqlkj dqy 31 ,lth@ ,lVh,l viukus NÙkhlx<+ dsUnz”kkflr izns”kksa }kjk vksihth,e dks viuk;k okyh jkT; ljdkjsa >kj[k.M x;k gS] vkSj jkT; ljdkjksa dh lwph fuEukuqlkj gfj;k.kk iznku dh xbZ gS % rkfydk la[;k 3-27% jkT; ljdkjksa }kjk vksihth,e dks viukus dh fLFkfr fooj.k jkT; ljdkj v:.kkpy izns”k e/; izns”k rfeyukMq ¼dsoy ,vkbZ,l½ vle egkjk’Vª f=iqjk fcgkj ef.kiqj mÙkj izns”k 31-03-2022 dsUnz”kkflr izns”k paMhx<+ es?kky; if”pe caxky ¼dsoy ,vkbZ,l½ rd ds vuqlkj xksok fet+ksje NÙkhlx<+ vksihth,e xqtjkr ukxkySaM mÙkjk[k.M viukus okyh gfj;k.kk mM+hlk >kj[k.M jkT; ljdkjsa fgekpy izns”k iqnqPpsjh rsyaxkuk tEew vkSj d”ehj iatkc yn~nk[k dukZVd jktLFkku dsjy flfDde 84okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-28% ,l,cht }kjk vksihth,e dsanz ljdkj uksMy dk;kZy;ksa }kjk vksihth,e dks dks viukus dh fLFkfr viukus dh fLFkfr fuEukuqlkj iznku dh xbZ gS% Lkhth dk uke vksihth,e dks rkfydk la[;k 3-29% dsanz ljdkj uksMy viukus okys dk;kZy;ksa }kjk ,lVh,l@vkssihth,e dks ,l,cht@uksMy viukus dh fLFkfr dk;kZy; ys[kkadu xBu vksihth,e viukus okys vka/kz izns”k 10 uksMy dk;kZy; vle 13 ukxfjd 237 fcgkj 3 j{kk 7 paMhx<+ 0 Mkd 24 NRrhlx<+ 17 jsyos 68 xksok 2 lh,cht 180 xqtjkr 4 dqy 537 gfj;k.kk 78 fgekpy izns”k 205 3-9-2-4 xSj ljdkjh {ks= esa ,uih,l tEew vkSj d”ehj 25 foÙk o"kZ 2021&22 ds fy, 86 mifLFkfr vfLrRoksa >kj[k.M 1 ¼31 ekpZ] 2021½ }kjk ,uih,l futh {ks= esa dukZVd 77 ukekadu fd;k x;k Fkk] ftlesa 12 lkoZtfud dsjy 11 {ks= ds cSad] 19 futh cSad] 55 xSj&cSafdax laLFkk,a& e/;izns”k 13 LV‚d czksfdax QeZ@,,elh@fQuVsd 'kkfey FksA Lkhth dk uke vksihth,e dks daifu;ka@isa'ku fuf/k] tks eq[; :i ls vfHknkrk viukus okys iathdj.k] dsokbZlh lR;kiu vkSj vfHknkrkvksa ls çkIr ,l,cht@uksMy foÙkh; vkSj xSj&foÙkh; vuqjks/kksa dh lfoZflax dh dk;kZy; lqfo/kk çnku djrs gSaA foÙkh; o"kZ ds nkSjku] cM+s egkjk’Vª 90 iSekus ij turk ds fy, ,uih,l forj.k dks c<+kus Ekf.kiqj 3 ds fy, 05 ihvksih dks lfØ;@ifjpkfyr fd;k Eks?kky; 3 x;k FkkA O;kikj ;kstukvk@j.kuhfr;ksa dks le>us vkSj muds }kjk viukbZ xbZ j.kuhfr;ksa ds vuq:i fet+ksje 2 muds çn'kZu dh fuxjkuh ds fy, j.kuhfr leh{kk mM+hlk 10 cSBdsa Hkh vk;ksftr dh xbZaA ihvksih ds deZpkfj;ksa IkqMqpsjh 0 ds ç;klksa dks çsfjr djus vkSj igpkuus ds fy,] iatkc 89 iqjLdkj@ekU;rk dk;ZØe 'kq: fd;k x;k Fkk] ftlds jktLFkku 74 fy, le;&le; ij fuxjkuh dh tkrh Fkh vkSj ;ksX; rsyaxkuk 10 ihvksih dks Le`fr fpUg@ iqjLdkj @ çek.k i= ls mÙkj izns”k 72 lEekfur fd;k tkrk FkkA mÙkjk[k.M 23 ekStwnk dksfoM&19 egkekjh dh xaHkhjrk ds ckotwn] dqy 835 ,uih,l esa ukekadu ihvksih ds ek/;e ls vçHkkfor 85Hkkx&III jgk vkSj foÙk o"kZ 2021&22 esa u, ,uih,l futh gSA 31 ekpZ 2022 rd ,uih,l dks viukus okys {ks= ¼lHkh ukxfjd vkSj d‚iksZjsV½ ds rgr ubZ d‚jiksjsV~l dh dqy la[;k 10]370 rd igqap xbZ vfHknkrk ukekadu la[;k 9]76]285 rd igqap xbZ] gSA ,uih,l esa v‚u&cksMZ lsaVªy ifCyd lsDVj ftlesa fiNys o’kZ ds 5]92]999 ukekaduksa dh rqyuk ,aVjçkbtst ¼lhih,lbZ½ ij fo'ks"k cy fn;k x;k esa 65 izfr”kr dh o`f) ntZ dh xbZA d‚jiksjsV {ks= Fkk vkSj foÙk o"kZ 2021&22 esa] 09 lhih,lbZ us esa dqy 1]806 d‚jiksjsV~l@laLFkkvksa us 1]02]275 u, vius deZpkfj;ksa ds fy, ,uih,l dks viuk;k gSA deZpkfj;ksa ds ukekadu lfgr ,uih,l dks viuk;k ,uih,l ds rgr lhih,lbZ dh la[;k 60 gks xbZ gSA rkfydk la[;k 3-30% yafcr izku {ks= yafcr izku ¼yk[k esa½* o"kZ nj o"kZ o`f) foÙk o"kZ foÙk o"kZ foÙk o"kZ foÙk o"kZ la[;k % 2018&19 2019&20 2020&21 2021&22 LkoZ ukxfjd 9.30 12.52 16.47 22.92 6.45 39 dksiksZjsV 8.03 9.74 11.25 14.05 2.80 25 dqy 17.33 22.26 27.72 36.97 9.25 34 *;g og “ks’k vkadM+s gSa] tks ljdkjh ls dksiksZjsV esa LFkkukarfjr gksus ;k blds foijhr vkfn dkj.kksa ls yafcr izku dh la[;k n”kkZrk gSA pkVZ 3-1 % yafcr izku 86okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-31% xSj&ljdkjh {ks= esa o`f) {ks= o``f) o"kZ nj o"kZ o`f) foÙk o"kZ foÙk o"kZ foÙk o"kZ foÙk o"kZ la[;k % 2018&19 2019&20 2020&21 2021&22 loZ ukxfjd 2,86,907 3,94,108 4,78,196 8,72,265 3,94,069 82 dksiksZjsV 90,773 1,46,326 1,14,803 1,04,020 - - dqy 3,77,680 5,40,434 5,92,999 9,76,285 3,83,286 65 dksiksZjsV iathdj.k 1,395 1,617 1,100 1,806 706 64 pkVZ 3-2 % xSj&ljdkjh {ks= esa o`f) ,uih,l ds rgr fV;j&AA [kkrs 31 ekpZ] 2021 fV;j&AA ds rgr mDr vof/k ds fy, ,;w,e Hkh ds 3]65]751 dh rqyuk esa 39 izfr'kr dh o`f) ntZ #i;s 2]169 djksM+ ls c<+dj #- 3]401 djksM+ gks djrs gq, 31 ekpZ] 2022 dks 5]08]019 FksA ,uih,l x;kA rkfydk la[;k 3-32% % fV;j AA vfHknkrk vkSj ,;w,e fooj.k lhth ,lth dkWiksZjsV loZ ukxfjd dqy [kkrksa dh la[;k 33043 35682 98971 340323 508019 ,;w,e ¼:-djksM+ esa½ 170 67 782 2380 3401 ,uih,l fV;j&AA dj cpr ;kstuk esa] tks fd dk fo”ys’k.k vFkkZr~ ,uih,l futh {ks= ¼loZ ukxfjd dsoy dsUnz ljdkj deZpkfj;ksa ds fy, miyC/k gS] es a vkSj dkWiksjsV½ ds rgr dqy 9]76]285 fuEukuqlkj 6-75 djksM+ dh ,;w,e ds lkFk 2842 lfØ; [kkrs gSaA iznf”kZr fd, x, gSa% foÙk o’kZ 2021&22 esa iathÑr vfHknkrkvksa dh la[;k 87Hkkx&III pkVZ 3-3% ,uih,l xSj&ljdkjh {ks= esa fyaxokj forj.k (i) Ikq:’k vfHknkrk dqy vfHknkrkvksa dk rhu&pkSFkkbZ iznf”kZr djrs gSaA (ii) L=h vfHknkrk dqy vfHknkrkvksa dk ,d&pkSFkkbZ iznf”kZr gksrh gSaA pkVZ 3-4% ,uih,l xSj&ljdkjh {ks= esa vk;qokj forj.k (i) dqy vfHknkrkvksa dk 67 izfr”kr 26&45 o’kZ vk;q lewg esa vkrk gS vkSj 12 izfr”kr 18&25 ds vk;q lewg esa vkrk gS] tks ;g iznf”kZr djrk gS fd ,uih,l dh izeq[k :Ik ls ;qok vkcknh }kjk yh xbZ gSA (ii) dqy vfHknkrkvksa dk yxHkx 20 izfr”kr 46&60 ds vk;q lewg esa vkrk gS vkSj dsoy 1 izfr”kr 60 o’kZ dh vk;q ls Åij ds lewg esa vkrk gSA pkVZ 3-5% ,uih,l xSj ljdkjh {ks= esa O;olk; vuqlkj forj.k 88okf"kZd fooj.k - 2021-22 (i) futh {ks= ls lsokfuo`Ùk gksus okys yxHkx 50 O;olk;h 6 izfr”kr vkSj 9 izfr”kr izR;sd ds izfr”kr vfHknkrkvksa ds fy, ,uih,l muds lkFk FksA ,d lsokfuo`fÙk ykHk ;kstuk ds :Ik esa gSA (iii) vfHknkrk tks Nk= ;k Ñf’k {ks= esa fu;ksftr (ii) futh {ks= esa fu;ksftr vfHknkrk dqy vfHknkrkvksa Fks] dqy vfHknkrkvksa dh la[;k dk 1 izfr”kr dh la[;k dk ,d pkSFkkbZ gS tcfd is”ksoj vkSj iznf”kZr djrs gSa vkSj x`gf.k;ka 3 izfr”kr A pkVZ 3-6% ,uih,l xSj ljdkjh {ks= esa vk;okj forj.k (i) yxHkx 1@5 vfHknkrk #-5&10 yk[k dh vk; Js.kh esa vkrs gSaA (ii) dqy vfHknkrkvksa dk yxHkx 1@5 Hkkx #-5 yk[k dh Js.kh esa vkrk gS] tcfd dqy vfHknkrkvksa dh la[;k dk 2@5 us dksbZ vkadM+s iznku ugha fd, gSaA pkVZ 3-7% ,uih,l ljdkjh {ks= esa “kh’kZ 10 jkT;okj forj.k (i) Ekgkjk’Vª vkSj mÙkj izns”k esa dqy vfHknkrkvksa dh la[;k dk 1@4 Hkkx gSA (ii) Ikf”pe caxky] dukZVd vkSj rfeyukMq esa dqy vfHknkrkvksa dh la[;k dk 1@5 Hkkx gSA (iii) xqtjkr] vka/kzizns”k] fnYyh] jktLFkku vkSj mM+hlk esa 5&4 izfr”kr vfHknkrk gSa A 3.9.3 d‚iksZjsV {ks= ds varxZr lEesyu ih,QvkjMh, us isa'ku ds ckjs esa tkx:drk iSnk lkFk djkj fd;k gS rkfd os vius lnL;ksa vkSj djus vkSj xSj&ljdkjh [kaM esa ,uih,l dks c<+kok dk;Z'kkykvksa@lsfeukjksa esa lsokfuo`fÙk ;kstuk@ nsus ds vius ç;kl esa fofHkUu O;kikj fudk;ksa ¼fQDdh] isa'ku@,uih,l ij tkudkjh çlkfjr dj ldsaA bu lhvkbZvkbZ] ih,pMhlhlhvkbZ] ,lksPkSe]vkbZlhlh½ ds O;kikj fudk;ksa ds lg;ksx ls ns'k Hkj esa vk;ksftr 89Hkkx&III fd;k x;kA foÙkh; o"kZ ds nkSjku 19 ,sls osfcukj fnukad frfFk ds vk;ksftr fd, x, ftuesa 800 d‚jiksjsV~l ds 5000 lek;kstu esa ls vf/kd çfrfuf/k;ksa us Hkkx fy;kA fu;ksäkvksa@ 28 fnlEcj] fnYyh ,lkspSe deZpkfj;ksa dks lh/ks ,uih,l dk çpkj djus ds fy, 2021 ihvksih@laLFkkuksa vkfn ds lg;ksx ls dbZ layXurk 27 tuojh 2022 gSnjkckn fQDdh l= ;k osc l= Hkh vk;ksftr fd, x,] ftlds ifj.kkeLo:i o"kZ ds nkSjku 1]806 u, d‚iksZjsV 8 Qjojh 2022 xqokgkVh fQDdh ukekadu vkSj 1]02]275 deZpkfj;ksa us ,uih,l dh 18 Qjojh 2022 cSaXyksj fQDdh lnL;rk yhA blds vfrfjDr] 09 u, lhih,lbZ 15 ekpZ 2022 paMhx<+ ih,pMhlhlhvkbZ us vius deZpkfj;ksa ds fy, ,uih,l dks viuk;k] D;ksafd foÙk o’kZ ds nkSjku bu laLFkkvksa dks vkWucksMZ djus ij fo”ks’k cy fn;k x;k Fkk A O;kikj fudk;ksa 3-9-4 vVy isa’ku ;kstuk ds varxZr xfrfofèk;ka ds lg;ksx ls vk;ksftr osfcukj fuEukuqlkj Fks % vVy isa'ku ;kstuk ¼,ihokbZ½] Hkkjrh; ukxfjdksa ds fy, ,d isa'ku ;kstuk gS] tks 18&40 o"kZ ds vk;q rkfydk la[;k 3-33% foÙk o"kZ 2021&22 ds oxZ ds vlaxfBr {ks= ds Jfedksa ij dsafær gSA A nkSjku vk;ksftr dksiksZjsV {ks= lEesyu vfHknkrk ds 60 o’kZ dh vk;q izkIr dj ysus ij fnukad frfFk ds ,ihokbZ ds rgr] U;wure xkjaVh isa'ku #-1]000@& lek;kstu esa ;k 2]000@& ;k 3]000@& ;k 4]000 ;k 5]000@& çfr ekg 'kq: gks tk,xk] tks mlds }kjk pquh xbZ 03 twu] 2021 dydÙkk ,elhlhvkbZ isa'ku jkf'k vkSj mlds }kjk fd, x, ;ksxnku ij 26 twu] 2021 yqf/k;kuk lhvkbZvkbZ fuHkZj djrk gSA 28 tqykbZ] 2021 cSaxyksj lhvkbZvkbZ ;g ;kstuk 09 ebZ 2015 dks 'kq: dh xbZ Fkh vkSj 29 tqykbZ] 2021 fnYyh ih,pMhlhlhvkbZ 01 twu 2015 ls pkyw dh xbZ FkhA 31-03-2022 dks 30 tqykbZ] 2021 psUubZ lhvkbZvkbZ ,ihokbZ ;kstuk ds rgr ukekadu 4-01 djksM+ dks 20 vxLr] 2021 dydÙkk vkbZlhlh ikj dj x;k gS vkSj ;g la[;k fnu&c&fnu rsth ls 24 vxLr] 2021 Ikq.ks lhvkbZvkbZ c<+ jgh gSA foÙk o"kZ 2021&22 ds nkSjku 4-01 djksM+ esa ls 99 yk[k ls vf/kd ,ihokbZ [kkrksa dks ukekafdr 31 vxLr] 2021 eqEcbZ lhvkbZvkbZ fd;k x;k FkkA lHkh Jsf.k;ksa vFkkZr~ lkoZtfud {ks= ds 14 flrEcj] Xkq:xzke ih,pMhlhlhvkbZ cSad] futh {ks= ds cSad] {ks=h; xzkeh.k cSad] y?kq foÙk 2021 cSad] Hkqxrku cSad] lgdkjh cSad ¼xzkeh.k vkSj 'kgjh½ 29 flrEcj] nsgjknwu lhvkbZvkbZ vkSj Mkd foHkkx esa ,ihokbZ lsok çnkrkvksa dh lfØ; 2021 Hkkxhnkjh ds dkj.k bl ;kstuk dks ;g tcjnLr 30 flrEcj] t;iqj lhvkbZvkbZ lQyrk feyh FkhA 2021 vfHknkrk iathdj.k vkSj mlds fo'ys"k.k ds lanHkZ esa 26 vDVwcj] dksph lhvkbZvkbZ o"kZ&nj&o"kZ çn'kZu ds laca/k esa fooj.k uhps nh xbZ 2021 rkfydk esa n'kkZ;k x;k gS% 27 vDVwcj] dks,ecVqj lhvkbZvkbZ 2021 12 uoacj] 2021 bankSj ih,pMhlhlhvkbZ 90okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-34% ,ihokbZ ds rgr ukekafdr vfHknkrkvksa dk ,ihokbZ&,lih Js.khokj fooj.k d- ,ihokbZ ds rgr ukekaduksa dk cSadokj fooj.k cSadksa dh ¼*31, 31 ekpZ 31] ekpZ 31] ekpZ 31] ekpZ 31] ekpZ foÙk o’kZ 31] ekpZ Js.kh ekpZ 2017 rd 2018 rd 2019 rd 2020 rd 2021 rd 2021&22 2022 rd 2016 ds nkSjku rd½ o`f) lkoZtfud 16,93,190 30,47,273 65,53,397 1,07,19,758 1,56,75,442 2,12,52,435 70,09,008 2,82,61,443 {ks= cSad futh cSad 2,18,086 4,97,323 8,73,901 11,45,289 15,62,997 19,86,467 5,21,900 25,08,367 y?kq foÙkh; - - - 9,190 15,760 35,114 51,149 86,263 cSad isesaV cSad - - - 48,182 3,44,001 8,18,800 4,69,227 12,88,027 {ks=h; xzkeh.k 4,76,373 11,15,257 19,87,176 31,71,152 43,30,190 57,10,770 18,17,260 75,28,030 cSad ftyk lgdkjh 21,222 29,791 33,880 38,863 48,581 54,628 8,807 63,435 cSad jkT; lgdkjh 354 680 805 1,053 4,620 5,350 511 5,861 cSad “kgjh lgdkjh 327 3,507 10,936 14,469 17,355 20,095 3,420 23,515 cSad Mkd foHkkx 75,343 1,89,998 2,45,366 2,70,329 3,02,712 3,32,141 30,197 3,62,338 dqy 24,84,895 48,83,829 97,05,461 1,54,18,285 2,23,01,658 3,02,15,800 99,11,479 4,01,27,279 pkVZ 3-8% ,ihokbZ ds rgr o"kZ nj o’kZ ukekadu ¼2016&2022½ dkfsoM&19 l s lca fa/kr puq kfSr;k as d s ckotnw ukekda u e as 10 yk[k l s vf/kd vfHknkrkvk as dk s ukekfadr fd;k dh xfr cgrq vPNh jgh gAS ;kts uk d s 'k:q gkus s ds x;k] ftle as ,d lIrkg e as 3-5 yk[k u, ukekda u g,q ckn l]s vxLr 2021 d s eghu s e as igyh ckj] ,d eghus vkjS ,d gh fnu e as 1 yk[k u, [kkr s [kkys s x,A 91Hkkx&III iwjs ns”k esa ,ihokbZ ukekadu o`f) ns[kh xbZ gSA Ø- jkT; dk uke ,ihokbZ ds rgr jkT;okj forj.k esa] lap;h ,ihokbZ ukekadu ds ekeys la ukekaduksa dh esa mÙkj çns'k lHkh jkT;ksa vkSj dsaæ 'kkflr çns'kksa esa la[;k 'kh"kZ ij FkkA 5 rfeyukMq 2,929,240 rkfydk la[;k 3-35% fnukad 31 ekpZ 2022 rd 6 vka/kz izns”k 2,299,498 ds vuqlkj ,ihokbZ ds rgr 'kh"kZ 15 mPprj 7 dukZVd 2,294,858 ukekadu okys jkT; 8 Ek/; izns”k 2,294,421 Ø- jkT; dk uke ,ihokbZ ds rgr 9 jktLFkku 2,105,600 la ukekaduksa dh 10 xqtjkr 1,607,503 la[;k 11 mM+hlk 1,504,968 1 mÙkj izns”k 6,072,347 12 >kj[kaM 1,135,106 2 fcgkj 3,997,372 13 iatkc 1,118,351 3 egkjk’Vª 3,097,671 14 rsyaxkuk 1,000,678 4 if”pe caxky 3,070,457 15 vle 886,076 Ekkufp= % 31 ekpZ 2022 rd ds vuqlkj ,ihokbZ ds jkT;okj ukekadu 92okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-36% foÙk o"kZ 2021&22 ds nkSjku ekg nj ekg ,ihokbZ ukekadu vkSj blh dks js[kkfp= esa Hkh n’kkZ;k x;k gSA vizSy*21 ebZ*21 twu*21 tqykbZ*21 vxLr*21 flrEcj*21 vDrwcj*21 uoEcj*21 fnlEcj*21 tuojh*22 Qjojh*22 ekpZ*22 dqy 2.26 1.95 6.98 7.69 11.03 9.91 7.43 7.65 9.98 9.06 11.64 13.55 99.11 pkVZ 3-9% foÙk o"kZ 2021&22 ds nkSjku ekg nj ekg ,ihokbZ ukekadu 2- izn’kZu % futh cSadksa esa] rfeyukMq epsaZVkby cSad us 30 ,,ihch dk okf"kZd y{; gkfly fd;k& foÙkh; o"k Z 2021 vkjS 22 d s nkjS ku] 8 lkotZ fud {k=s d s cdaS ¼Hkkjrh; LVVs cdaS ] bfaM;u cdaS ] cdaS v‚Q iseasV cSad ds chp] ,;jVsy isesaV~l cSad us foÙk o"kZ bfaM;k] cdaS v‚Q cMk+nS k] lVas ªy cdaS v‚Q bfaM;k] cdaS 2021 vkSj 22 ds fy, okf"kZd ukekadu y{; gkfly v‚Q egkjk"Vª] dus jk cdaS vkjS bfaM;u vkos jlht cdaS fd;k& u s çfr 'kk[kk 70 vklS r [kkrk as ¼,,ihch½ dk okf"kdZ Le‚y Qkbusal cSad esa] ,;w Le‚y Qkbusal cSad fyfeVsM y{; gkfly fd;k gAS 31 vkjvkjch vk;koZ r Z cdaS ] us 50 ,,ihch dk okf"kZd y{; gkfly fd;k& vk/a k z çn's k xkzeh.k fodkl cdaS ] vk/a k z çxfr xkzeh.k cdaS ] vle xkzeh.k fodkl cdaS ] cMk+nS k xtq jkr xkzeh.k cdaS ] 6 lgdkjh cSad ¼Jh efgyk lsok lgdkjh cSad cMk+nS k jktLFkku {k=s h; xkzeh.k cdaS ] cMk+nS k ;iw h cdaS ] fyfeVsM] dkywiqj okf.kfT;d lgdkjh cSad fyfeVsM] pkrS U; xkns kojh xkzeh.k cdaS ] nf{k.k fcgkj xkzeh.k cdaS ] lkcjdkaBk ftyk dsaæh; lgdkjh cSad fyfeVsM vkSj fgekpy çn's k xkzeh.k cdaS ] >kj[kMa jkT; xkzeh.k cdaS ] jktdksV ukxfjd lgdkjh cSad fyfeVsM] nf{k.k dsujk dukVZ d xkzeh.k cdaS ] dukVZ d fodkl xkzeh.k cdaS ] ftyk dsaæh; lgdkjh cSad vkSj lwjr ftyk lgdkjh e/;kpa y xkzeh.k cdaS ] egkjk"Vª xkzeh.k cdaS ] ef.kijq cSad½ us Hkh 20 dk okf"kZd y{; gkfly fd;kA xkzeh.k cdaS ] e/; çn's k xkzeh.k cdaS ] vkfsM'kk xkzE; cdaS ] if'pe cxa k xkzeh.k cdaS ] çFke ;iw h xkzeh.k cdaS ] inq oq bZ 3.10 isa’ku fuf/k;ksa dk izn’kZu HkjfFk;kj xkze cdaS ] ita kc xkzeh.k cdaS ] jktLFkku e#/kjk lanHkZ rkfydk la[;k 3-37] ,uih,l ;kstuk ds rgr xkzeh.k cdaS ] lo Z gfj;k.kk xkzeh.k cdaS ] lkjS k"Vª xkzeh.k fuf/k;ksa us o"kZ&nj&o"kZ 27-43 izfr”kr dh lexz o`f) cdaS ] rys xa kuk xkzeh.k cdaS ] f=ijq k xkzeh.k cdaS ] mÙkj fn[kkbZ gSA ;kstukokj fodkl fooj.k uhps fn;k x;k fcgkj xkzeh.k cdaS ] mÙkjk[kMa xkzeh.k cdaS ] mÙkjcxa k gSA {k=s h; xkzeh.k cdaS vkjS fonHk Z dkdas .k xkzeh.k cdaS u s 70 ,,ihch dk okf"kdZ y{; ikzIr fd;k gAS 93Hkkx&III rkfydk la[;k 3-37% ,uih,l esa izca/ku ds rgr vkfLr foHkktu & 31 ekpZ 2022 rd ds vuqlkj ;kstuk o`f)okj fLFkfr jkf’k :i;s djksM+ esa ,;w,e esa o`f) ekpZ&20 ekpZ&21 ekpZ&22 ekpZ 2020 ls ekpZ 2021 ekpZ 2021 ls ekpZ 2022 ;kstuk,a esa o" kZ nj o"kZ o`f) esa o"kZ nj o"kZ o`f) jkf’k % jkf’k % bfDoVh fV;jA 7932.06 18979.51 30303.86 11047.45 139.28 11324.35 59.67 bfDoVh fV;jAA 352.55 850.99 1424.51 498.44 141.38 573.52 67.39 bfDoVh dqy 8284.61 19830.50 31728.37 11545.89 139.37 11897.87 60.00 fV;jA vkSj fV;jAA 31.18 41.59 41.20 dqy ,;w,e esa Hkkx % ckaMl ¼lh½ fV;jA 6495.77 9686.51 15509.97 3190.74 49.12 5823.46 60.12 ckaMl ¼lh½ fV;jAA 297.26 482.72 762.55 185.46 62.39 279.83 57.97 ckaMl ¼lh½ dqy 6793.03 10169.23 16272.52 3376.20 49.70 6103.29 60.02 fV;jA vkSj fV;j AA 25.57 21.33 21.13 dqy ,;w,e esa Hkkx % Tkh lsd ¼th½ fV;jA 10992.81 16766.30 27630.39 5773.49 52.52 10864.09 64.80 Tkh lsd ¼th½ fV;jAA 457.16 835.48 1214.08 378.32 82.75 378.60 45.32 Tkh lsd ¼th½ dqy 11,449.97 17,601.78 28844.47 6151.81 53.73 11242.69 63.87 fV;jA vkSj fV;j AA 43.10 36.92 37.46 dqy ,;w,e esa Hkkx % ;kstuk , fV;j A 39.60 74.76 162.65 35.16 88.79 87.89 117.57 ;kstuk , fV;jAA - - - - - - - ;kstuk , dqy 39.60 74.76 162.65 35.16 88.79 87.89 117.57 fV;j A vkSj fV;j 0.15 0.16 0.21 AA dqy ,;w,e esa Hkkx % mi dqy fV;j A 25460.24 45507.08 73606.87 20046.84 78.74 28099.79 61.75 mi dqy fV;j AA 1106.97 2169.19 3401.13 1062.22 95.96 1231.94 56.79 fV;j A + fV;j AA 26567.21 47676.27 77008.01 21109.06 79.46 29331.74 61.52 ,uih,l ykbV 3728.40 4354.38 4686.74 625.98 16.79 332.36 7.63 ,ihokbZ 10526.26 15687.11 20922.60 5160.85 49.03 5235.49 33.37 dksiksZjsV lhth 27143.03 36929.68 47343.05 9786.65 36.06 10413.37 28.20 mi dqy ¼futh {ks=½ 67964.87 104647.44 149960.40 36682.57 53.97 45312.96 43.30 dqy ,;w,e es Hkkx % 16.28 18.10 20.36 dasnz ljdkj 138014.67 181416.26 216883.09 43401.59 31.45 35466.83 19.55 dqy ,;w,e es Hkkx % 33.06 31.39 29.44 94okf"kZd fooj.k - 2021-22 ,;w,e esa o`f) ekpZ&20 ekpZ&21 ekpZ&22 ekpZ 2020 ls ekpZ 2021 ekpZ 2021 ls ekpZ 2022 ;kstuk,a esa o" kZ nj o"kZ o`f) esa o"kZ nj o"kZ o`f) jkf’k % jkf’k % jkT; ljdkj 211499.55 291959.92 369743.33 80460.37 38.04 77783.41 26.64 dqy ,;w,e es Hkkx % 50.66 50.51 50.20 mi dqy (ljdkjh) 349514.22 473376.18 586626.42 123861.96 35.44 113250.24 23.92 dqy ,;w,e es Hkkx % 83.72 81.90 79.64 ;kstuk VhVh,l - 2.12 6.74 dqy ,;w,e es Hkkx % - - - dqy ;ksx 417479.13 578025.74 736593.57 160546.61 38.46 158567.83 27.43 lzksr% ,uih,l U;kl osclkbV fjiksV rkfydk la[;k 3-38% isa’ku fuf/k izca/kdksa ds lkFk ,;w,e dh fLFkfr Ø- isa’ku fuf/k dk uke ekpZ&21 ekpZ&22 jkf’k Ok`f) la ¼djksM+ esa½ izfr’kr 1 ,lchvkbZ isa”ku QaMl izkbZosV fyfeVsM 2,22,615.19 2,82,475.65 59,860.46 26.89 2 ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM 1,66,209.21 2,01,918.51 35,709.30 21.48 3 ,yvkbZlh isa”ku QaM fyfeVsM 1,63,389.54 2,09,386.28 45,996.74 28.15 4 vkbZlhvkbZlhvkbZ iwzMsaf”k;y isa”ku 7,558.64 11,614.32 4,055.68 53.66 QaMl eSustesaV daiuh fyfeVsM 5 dksVsd efganzk isa”ku QaM fyfeVsM 1,572.14 2,229.93 657.79 41.84 6 ,pMh,Qlh isa”ku eSustesaV daiuh 16,383.98 28,413.86 12,029.88 73.42 fyfeVsM 7 vkfnR; fcjyk lu ykbQ isa”ku 297.03 555.01 257.98 86.85 eSustesaV fyfeVsM dqy 5,78,025.74 736,593.56 158,567.83 27.43 lzksr% ,uih,l U;kl 95Hkkx&III rkfydk la[;k 3-39% 31 ekpZ 2022 rd ds vuqlkj ;kstukokj vkSj isa’ku fuf/kokj fjVUlZ ¼vkjEHk ls izfr'kr esa½ ;kstuk ,lchvkbZ ,yvkbZlh ;wVhvkbZ dksVsd ,pMh,Qlh vkbZlhvkbZ fcjyk lhvkbZ lhth 9.87 9.66 9.63 ,lth 9.56 9.64 9.59 ,ihokbZ 9.18 9.48 9.44 ,uih,l 10.05 10.12 10.05 9.91 Lokcyca u@ykbV dksiksZjsV&lhth 9.66 9.75 bZ 10.86 13.02 12.27 11.79 15.30 12.48 13.28 lh 10.18 9.78 9.15 9.79 10.02 10.14 9.25 fV;j&A th 9.39 10.42 8.41 8.70 9.49 8.72 8.13 , 9.84 7.79 6.57 7.44 8.91 7.58 6.81 bZ 10.68 10.79 11.06 11.22 13.35 10.98 13.22 fV;j&AA lh 9.70 9.21 9.20 9.08 9.19 9.97 8.45 th 9.39 10.68 9.06 8.44 9.67 8.81 7.30 fV;j AA VhVh,l 3.09 5.68 3.37 7.23 3.92 5.46 6.63 lzksr% ,uih,l U;kl okf"kZd fjiksZVZA fHkUu&fHkUu ;kstukvksa ds fy, vkjafHkd frfFk fHkUu FkhA 1 o’kZ ls vf/kd dh vof/k ds fjVuZ okf’kZdhÑr gSaA vkjafHkd frfFk% ,yvkbZlh, ,lchvkbZ vkSj ;wVhvkbZ lhth ;kstukvksa ds fy, 01 vizSy 2008 vkSj lhth ;kstuk ds fy, 25 twu] 2008 vkjafHkd frfFk% fcjyk 09 ebZ 2017] ,pMh,Qlh 01 vxLr 2013] vkbZlhvkbZlhvkbZ 18 ebZ 2009] dksVsd 5 ebZ 2009] ,yvkbZlh 03 tqykbZ 2013] ,lchvkbZ 15 ebZ 2009 vkSj ;wVhvkbZ 21 ebZ 2009 (bZ-I) ds fy, vkjafHkd frfFk% ,yvkbZlh 04 vDVwcj 2010; dksVd 30 tuojh 2012; ,lchvkbZ 16 flracj 2010; ;wVhvkbZ 04 vDVwcj 2010 (,uih,l ykbV) ;wVhvkbZ dksiksZjsV lhth ;kstuk foÙk o’kZ 2013&14 (dksiksZjsV lhth) esa lekIr gqbZA vkjafHkd frfFk% fcjyk 09 ebZ 2017] ,pMh,Qlh 01 vxLr 2013] aaa vkbZlhvkbZlhvkbZ 21 fnlacj 2009] dksVsd 14 fnlacj 2009] ,yvkbZlh 12 vxLr 2013] ,lchvkbZ 14 fnlacj 2009 vkSj ;wVhvkbZ 14 fnlacj 2009 (bZ-II) ds fy, vkjafHkd frfFk% ,yvkbZlh 23 tqykbZ 2013; ,pMh,Qlh 01 vxLr 2013; fcjyk 9 ebZ 2017] vkbZlhvkbZlhvkbZ 18 ebZ 2009] dksVsd 15 ebZ 2009] ,lchvkbZ 15 ebZ 2009 vkSj ;wVhvkbZ 21 ebZ 2009 (lh-I) vkjafHkd frfFk% ,yvkbZlh 12 vxLr 2013] ,pMh,Qlh 01 vxLr 2013; fcjyk 9 ebZ 2017] avkbZlhvkbZvkbZ 21 fnlacj 2009] dksVsd 14] fnlacj 2009, ,lchvkbZ 14] fnlacj 2009 vkSj ;wVhvkbZ 14 fnlacj 2009 lh-II vkjafHkd frfFk% ,yvkbZlh 23 tqykbZ 2013; ,pMh,Qlh 01 vxLr 2013; fcjyk 9 ebZ 2017] vkbZlhvkbZlhvkbZ 18 ebZ 2009] dksVsd 15 ebZ 2009] ,lchvkbZ 15 ebZ 2009 vkSj ;wVhvkbZ 21 ebZ 2009 (th-I) vkjafHkd frfFk% ,yvkbZlh 12 vxLr 2013; ,pMh,Qlh 01 vxLr 2013; fcjyk 9 ebZ 2017 vkbZlhvkbZlh 30 fnlacj 2009; dksVsd 14 fnlacj 2009; ,lchvkbZ 14 fnlacj 2009 vkSj ;wVhvkbZ 14 fnlacj 2009 (th-II); vkjafHkd frfFk% ,yvkbZlh 13 vDVwcj 2016; ,pMh,Qlh 10 vDVwcj 2016; fcjyk 15 ebZ 2017 vkbZlhvkbZlh 21 uoacj 2016; dksVsd 14, vDVwcj 2016; ,lchvkbZ 13] vDVwcj 2016 vkSj ;wVhvkbZ 14 vDVwcj 2016 (;kstuk ,-I) 3.11 fofu;fer vkfLr;ka ds ifjpkyu gsrq fufeZr gSaA muesa chLiksd l‚¶Vos;j tks mu lHkh rRoksa ds lkFk miyC/k gS tks fdlh Þfofu;fer vkfLr;ksaß ls rkRi;Z rFkk muesa lfEefyr vuqç;ksx dks pykus ds fy, vko';d gS tSls dksbZ gSa ewrZ rFkk vewrZ vkfLr;ka tks O;kid :i ls lhvkj, r`rh; l‚¶Vos;j rFkk rRo ds tks oLrq ds :i esa 96okf"kZd fooj.k - 2021-22 vuqç;ksx ç.kkyh esa fof'k"V :i ls lEcaf/kr gks] lHkh e/;LFk bdkbZ;ksa }kjk tks vfHknkrkvksa dks lsok,a çnku mi;qä lhvkj, ifj;kstuk vkadM+s] lefiZr fof'k"V djrh gS] }kjk 'kqYd rFkk çHkkj vkjksfir fd;s tkrs gS gkMZos;j@MkVk lsaVj ds l‚¶Vosj d‚EiksusaV~l rFkk A ,uih,l ç.kkyh esa ços'k gksus ij] e/;LFk bZdkbZ;ka fMtkLVj fjdojh lsaVj] usVodZ rFkk vU; lHkh lqfo/ vfHknkrkvksa ds iathdj.k ds fy, mÙkjnk;h gksrh gS kk,a lfEefyr gS]HkkSfrd <k¡ps dks NksM+dj¼Hkou] ,;j vFkkZr~ ihvksiht] çHkkj 'kqYd tks fd vkxs vfHknkrkvksa daMh'kuj] fctyh vkiwfrZ <kapk] QuhZpj½A ls ladfyr fd;k tkrk gS A vVy isa'ku ;kstuk ds fy, iathdj.k 'kqYd ljdkj }kjk ogu fd;s tkrs gSa iathdj.k ds dk;Zdky ds volku ij ;k lhvkj, A vxys Lrj ij] lhvkj,] tks vfHkys[kiky vfHkdj.k ds fujlu ds ekeys esa lhvkj, }kjk çcaf/kr lwpuk gS [kkrk [kksyus ds fy, 'kqYd ysrk gS rFkk çk.k rFkk fofu;fer vkfLr;ka çkf/kdj.k ds lkFk iath—r tkjh djus ds fy, bZdkbZ;ksa ds fujlu }kjk [kkrk vU; lhvkj, dks LFkkukarfjr dj nh tk,axh] ml çcaf/kr djrk gS A blds i'pkRk~ çR;sd laO;ogkj le;kof/k esa rFkk ml çk:i esa tks ih,QvkjMh, ds fy, ftlesa vfHknkrkvksa dk va'knku lfEefyr gS] vf/kfu;e fu;e ;k fofu;eksa ds rgr vko';d gks lhvkj, rFkk ihvksih nksuksa }kjk 'kqYd çHkkfjr fd;k ;k çkf/kdj.k }kjk funsZf'kr gksA tkrk gS A isa'ku fuf/k;ksa }kjk fuos'k çca/ku 'kqYd] vfHknkrkvksa ds fuos'k iksVZQksfy;ks çcaf/kr djus ds 3.12 foÙk o"kZ ds nkSjku çkf/kdj.k }kjk fy, çHkkfjr fd;s tkrs gSa A çfrHkwfr;ksa ds vfHkj{kd çHkkfjr ;k ladfyr fd, tkus okys vU; 'kqYd muds rgr vkus okyh vkfLr;ksa ds fy, çHkkj ysrs ;k çHkkj gSa vkSj ,uih,l U;kl [kpksaZ dh çfriwfrZ vfHknkrkvksa ,uih,l ds vfHknkrkvksa ij fHkUu Lrjksa ij mu ls dh tkrh gSA rkfydk la[;k 3-40% vfHknkrkvksa ls fofHkUu Pkj.kksa ij fy, tkus okys 'kqYd vkSj izHkkj e/;LFk 'kqYd@izHkkj lsok izHkkj* bdkbZ;ka ,uih,l futh@ljdkjh ykbV@ ,ihokbZ dsanzh; ihvkj, ;fn vfHknkrk ;fn vfHknkrk b&Z ikzu ,u,lMh,y% vfHkys[kiky [kksyus laca/kh HkkfSrd ikzu dkM Z dk fodYi puq rk g]S # 15-00 vfHkdj.k “kqYd dkM Z dk p;u rk s [kkrk [kkys u s d s fy, dslhvkj,% dj s rk s [kkrk lhvkj, “kYq d ¼:-e½as # 15-00 [kkys u s d s fy, oys de fdV oys de fdV lhvkj, “kYq d HkkfSrd :i dos y beZ ys lh,,e,l% ¼#Ik; s e½as l s Hkts h }kjk Hkts h # 15-00 tk,xhA tk,xhA ,ulhvkj, 40 35 18 dslhvkj, 39.36 39.36 4 lh,,e,l 40 40 40 fVIi.kh % ‘kqYdksa esa deh ekStwnk ‘kqYd lajpuk ij gksxh vkSj blesa ykxw dj ‘kkfey ugha gksaxsA ,uih,l vfHknkrkvksa ds HkkSfrd ;k bZ izku dkMZ j[kus ds fodYi dks izkIr djus laca/kh fØ;kRedrk lhvkj, }kjk tkjh fd, tkus ds ckn “kqYd ykxw gksaxsA 97Hkkx&III e/;LFk 'kqYd@izHkkj lsok izHkkj* bdkbZ;ka ,uih,l futh@ljdkjh ykbV@ ,ihokbZ “kqYd izfr ,ulhvkj,% #- 3-75 fu%”kqYd ysunsu dslhvkj,% #- 3-36 lh,,e,l% #- 3-50 mifLFkfr - futh ljdkjh - vfLrRo vkjafHkd #- ykx w ugh a gS ykx w ugh a gS 200 vfHknkrk iathdj.k vkSj va”knku viyksM dksbZ Hkh v”a knku dk 0-25 ifzr”kr rd ykx w ugh a gS ykx w ugh a gS vuqorhZ v”a knku d s U;uw re 0-10 ifzr”kr ysunsu rd dh jkf”k] ftle as U;uw re #-20 vkjS vf/kdre #-25000 gS xjS &foÙkh; #-20 izfro’kZ #- 50 izfr o’kZ ykx w ugh a gS ykx w ugh a gS fu;ferrk > 6 ekg vkSj #- 1000 dk va”knku b Z ,uih,l va”knku dk 0-10 izfr”kr, ykx w ugh a gS ykx w ugh a gS d s ek/;e ls U;wure #- 10 vf/kdre v”a knku #-10000 (dsoy ,uih,l ds fy,&loZ ukxfjd vkSj fV;j&AA [kkrs) U;klh cSad - “kUw; vfHkj{kd vkfLr los k byfsDVdª Hkkx vkjS HkkfSrd Hkkx d s fy, :- 0-0032% ifzr o’kZ “kYq d isa’ku fuo”s k icz /aku 0-01% dk ,;,w e ifzro’kZ 0-0102% dk ,;,w e ifzro’kZ fuf/k;ak “kYq d (futh {k=s d s fy,) (ljdkjh {k=s d s fy,) ,uih,l O;;k as dh 0-005% ifzro’kZ U;kl ifzrifwrZ *ljdkjh deZpkfj;ksa ds ekeys esa] lhvkj, “kqYd lacaf/kr ljdkjksa }kjk Hkqxrku fd, tkrs gSaA # HkwriwoZ dkohZ daI;wVj”ks;j izkbosV fyfeVsM ¼ds-fQuVsd izkbosV fyfeVsM½ us 15 Qjojh 2017 ls ifjpkyu “kq: fd,A 98okf"kZd fooj.k - 2021-22 foÙk o’kZ 2021&22 ds fy, fofHkUu e/;LFk bdkbZ;ksa ls ih,QvkjMh, dks izkIr “kqYd fuEu rkfydk esa iznku fd;k x;k gSA rkfydk la[;k 3-41% foÙk o"kZ 2021&22 ds nkSjku izkIr 'kqYd Ø- la e/;LFk bdkbZ 'kqYd izkfIr ¼#- yk[k esa½* 1 U;klh cSad&,fDlsl cSad 2,316.83 2 isa”ku fuf/k 9,607.57 3 lhvkj,&,u,lMh,y bZ xoZusal baÝkLVªDpj fyfeVsM 1,011.57 4 lhvkj,& dsfQu VsDuksykWth izkbosV fyfeVsM 249.71 5 vfHkj{kd&,l,plhvkbZ,y 0.01 6 lsokfuo`fÙk lykgdkj@ihvksih@ladyudÙkkZ@,,lih@ 154.92 vkj,Qih laLdj.k “kqYd 7 lhvkj,&dkohZ daI;wVj”ks;j izkbosV fyfeVsM 18.33 dqy 13,358.94 *fofHkUu e/;LFk bdkbZ;ksa ls izkIr “kqYd dh x.kuk okLrfod vk/kkj ij dh xbZ gSA 3.13 fu"ikfnr fujh{k.k] vk;ksftr tkap vkSj va”knkuksa ds izs’k.k vkSj vuqorhZ lsokvksa vkSj fu"ikfnr vUos"k.k ftuesa isa’ku fuf/k;ksa esa foyac ij frekgh viokn fjiksVZ A ls lEcaf/kr e/;LFkksa vkSj vU; bdkbZ;ksa ;k ii) frekgh@v/kZ okf’kZd vuqikyu izek.ki= laxBuksa dh ys[kkijh{kk lfEefyr gS ds fy, ekaxh xbZ tkudkjhA iii). ,uih,l ladyu [kkrksa esa vesy jkf”k ij [kkrk “ks’k izek.ki= 3.13.1 tkap vkSj fujh{k.k iv). v/kZ okf’kZd@okf’kZd vkarfjd ys[kk fjiksVZ% ih,QvkjMh, vkSj ,uih,l U;kl lhvkj,] U;klh cSad vkSj muds ys[kkijh{kdksa }kjk tek dh xbZ fjiksVZ v). lkbcj lqj{kk izek.ki= % dh leh{kk djrk gS] ftlls ;g lqfuf”pr fd;k tk lds fd bdkbZ lsok Lrj vuqca/kksa esa ;Fkkfu/kkZfjr vi). yfEcr f”kdk;rsa % fu;rdkfyd le; dk vuqikyu dj jgh gSaA vii) ,ihokbZ ds rgr vfHknkrk ds cpr cSad [kkrsa es aljdkjh lg&va”knku tek djus 3.13.2 fujh{k.k vkSj ys[kkijh{kk ds fy, mi;ksT;rk izek.ki=A ih,QvkjMh,] mifLFkfr vfLRkRoksa dk fofu;eu vkSj fujh{k.k vkWQlkbV vkSj vkWulkbV fujh{k.k ra= ds (ii) vkjksih mifLFkfr vfLrRoksa dks muds }kjk fd, x, foyac ds fy, fu/kkZfjr fu;rdkfyd le; ek/;e ls fd;k tkrk gSA ij izfriwfrZ dk Hkqxrku djuk gksxk] ;fn dksbZ ¼d½ vkWQlkbV fujh{k.k % gks rks A (i). vkWQlkbV fujh{k.k vkSj Ik;Zos{k.k esa ih,QvkjMh, (iii) mfpr le>k tkus ij] bl ekeys dks dks tek dh xbZ fuEufyf[kr fjiksZVksa dh leh{kk U;k;fu.kZ;u foHkkx dks U;k;fu.kkZ;d dkjZokbZ “kkfey gS% & vkjaHk djus gsrq U;k;fu.kZ;u foHkkx ds ikl Hkstk tk ldrk gSA i. ekfld ,evkbZ,l] ,llh,Q vikyksM 99Hkkx&III [k½ v‚ulkbV fujh{k.k % 3. ,uih,l] ,uih,l&ykbV] ,ihokbZ vkSj lsokfuo`fÙk lykgdkjksa ds rgr ihvksiht (i) mifLFkfr vfLrRoksa ds vkWulkbV fujh{k.k ds fy, ih,QvkjMh, vf/kfu;e 2013 ds ihvksiht+ ds fu;eksa ds vuqikyu vkSj fofu;eksa fofu;e 14 ¼2½¼o½ ds rgr tkjh ijke’kZ@ ds rgr ifjpkyu fn”kkfunsZ”kksa esa ;FkkfufnZ’V funsZ’k@lwpuk,as ifjpkyu fu;rdkfyd le; ds ikyu dh fuxjkuh ds fy, fd, tkrs gSa A ,uih,l ds izkf/kdj.k us ihvksiht+ ds fy, ijke”kZ@ rgr ihvksiht+ }kjk is”k dh tkus okyh lHkh funsZ”k@lwpuk,a tkjh fd, rkfd ,uih,l lsokvksa] ukekadu izfØ;k ls vafre fudkl rd ds rgr fØ;kdykiksa ds ljy vuqikyu vkSj fujh{k.k ekunaMksa }kjk doj fd, tkrs gSaA ifjpkyu dks lqfuf”pr fd;k tk ldsA ihvksiht+ dks fofHkUu vf/kfu;eksa vkSj fu;eksa 4. izkFkfed fjiksVZ dks tek djuk % vFkkZr~ ih,e,y, vf/kfu;e vkSj fu;eksa ds vuqlkj dsokbZlh ds vuqikyu lfgr xzkgd fdlh Hkh dfFkr mYya?ku dk irk pyus dh fLFkfr leqfpr lko/kkuh izfØ;k dk ikyu djus esa] tks izFke n`’V;k] vf/kfu;e dh /kkjk 28 ds rgr dh vko”;drk gS A vU; egRoiw.kZ eqn~nksa esa “kkfey ÑrkÑr dk [kqyklk djrk gS] foHkkx }kjk “kkfey gS& vxzsf’kr yafcr f”kdk;rsa] eqvkots ih,QvkjMh, ¼U;k;fu.kkZ;d vf/kdkjh }kjk tkap dh dk Hkqxrku ;fn dksbZ gks rks] ladyu [kkrksa esa izfØ;k½ fofu;e] 2015 ds vuqlkj lnL; ¼tkap vkSj “ks’k jkf”k vkfnA fuxjkuh½ dks ,d vkSipkfjd izkFkfed fjiksVZ izLrqr dh tkrh gSA (ii) foÙk o’kZ 2021&22 ds nkSjku] dksfoM&19 xfrfofèk;ksa ds dkj.k ,uih,l vkSj ,ihokbZ 5. uhfrxr ekeyk ds rgr 70 mifLFkfr vfLrRoksa dk vkWulkbV Ik;Zos{k.k foHkkx fofHkUu fgLlsnkjksa ls fof/k;ksa vkSj fujh{k.k fd;k x;k A blds vfrfjDr] izfØ;kvksa esa lq/kkj ds fy, izkIr vko”;drkvksa vkSj ih,QvkjMh, }kjk iwoZ o’kksZa ds fy, vk;ksftr lq>koksa ds vk/kkj ij ih,QvkjMh, vfHknkrkvksa vkSj fujh{k.kksa ds nkSjku izkIr gq, yafcr fopyuksa fgLlsnkjksa ds ykHk ds fy, lq/kkjksa dh tkap rFkk ds vuqikyu ij fu;fer ohfM;ks dkaÝsfUlax flQkfj”k djrk gSA vk;ksftr dh xbZ vkSj ,uih,l] ,uih,l&ykbV vkSj ,ihokbZ vkfn ds rgr ladyu [kkrs esa ,uih,l ds rgr vU; lHkh e/;LFk bdkbZ;ksa ds vesy vkSj yafcr va”knkuksa dks vuqikyu fjiksVZ fy,] vkWQlkbV@vkWulkbV fujh{k.k ds fy, iz.kkyh esa ntZ fd;k x;kA ekStwn gSA (iii). foÙk o’kZ 2019&20 ds fy, 70 mifLFkfr 3.14 vU; vfLRkRoksa dh ys[kk fjiksVZ dk ,uih,l U;kl ds lwphc) ys[kkijh{kdksa foÙk o’kZ 2019&20 3.14.1 jk"Vªh; isa’ku iz.kkyh vkSj vf/kfu;e ds ds fy, 70 mifLFkfr vfLRkRoksa dh ys[kkijh{kk rgr vU; isa’ku ;kstukvksa ds rgr 'kkfey fjiksVZ ,uih,l U;kl ds iSuyc) ys[kk ijh{kdksa vfHknkrk ¼Js.khokj½ }kjk vk;ksftr dh xbZ] bldh tkap fiNyh i) o"kksZa ds nkSjku vfHknkrkvksa dh la[;k ys[kkijh{kk vof/k ds fy, yafcr fopyu dh fLFkfr ds lkFk dh xbZ FkhA ys[kkijh{kk ds ,uih,l esa vfHknkrkvksa dk ukekadu ekpZ 2021 ds nkSjku ns[ks x, fopyu vkSj fiNys o"kksaZ ds 424-40 ls c<+dj ekpZ 2022 esa 520-2 yk[k gks x;k yafcr fopyu dks vuqikyu ds fy, ,uih,l A o’kZ 2021&22 ds nkSjku vfHknkrkvksa dh la[;k esa vkSj ,uih,l&ykbV ds rgr ihvksih ds lkFk 22-57 o`f) gqbZ gSA ,uih,l vfHknkrkvksa dh o’kZokj lk>k fd;k x;k FkkA la[;k fuEufyf[kr pkVZ esa nh xbZ gSA 100okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-42% ,uih,l@,ihokbZ ds rgr {ks=okj vfHknkrkvksa dh la[;k % ekpZ 2021 ekpZ 2022 ,d o"kZ ls o`f) ¼yk[k esa la[;k½ ¼yk[k esa la[;k½ {ks= laiw.kZ o`f) izfr’kr esa ¼yk[k esa la[;k½ dsUnz ljdkj 21.76 22.83 1.08 4.96 dqy dk % 5.13 4.39 jkT; ljdkj 51.41 55.77 4.36 8.48 dqy dk % 12.11 10.72 dkWiksZjsV 11.25 14.05 2.80 24.89 dqy dk % 2.65 2.70 lo Z ukxfjd@vlxa fBr {k=s 16.47 22.92 6.45 39.16 dqy dk % 3.88 4.40 ,uih,l ykbV* 43.02 41.87 - - dqy dk % 10.14 8.05 ,ihokbZ 280.49 362.77 82.28 29.33 dqy dk % 66.09 69.74 dqy 424.40 520.22 95.82 22.58 * ¼01 vizSy 2015 ds ckn lsa dksbZ u, iathdj.k LohÑr ugha fd, x, gSa½ pkVZ 3-10% ,uih,l vkSj ,ihokbZ ds rgr o"kZokj vfHknkrkvksa dh la[;k 101Hkkx&III ii) vfHknkrkvksa dh la[;k & {ks=okj ljdkjh {ks= rkfydk la[;k 3-43% ,uih,l@,ihokbZ ds rgr {ks=okj vfHknkrkvksa dh la[;k % {ks= vfHknkrkvksa dh la[;k va’knku ¼#- djksM+ esa½ ,;w,e ¼#- djksM+ esa½ dsUnz ljdkj 22,83,671 1,50,491 218577 jkT; ljdkj 55,76,986 2,74,949 369427 dqy 78,60,657 4,25,440 588004 ljdkjh vfHknkrk ekpZ 2021 ds 73-16 yk[k las c<+dj ekpZ 2022 esa 78-61 yk[k gks xbZ] ftlus 5-44 o`f) ¼7-44 izfr”kr½ ntZ dh A futh {ks= rkfydk la[;k 3-44% fnukad 31 ekpZ 2022 ls futh {ks= esa vfHknkrkvksa] va’knku vkSj ,;w,e dh la[;kA {ks= vfHknkrkvksa dh la[;k va’knku ¼#- djksM+ esa½ ,;w,e ¼#- djksM+ esa½ dksikZsjsV {ks= 14,04,569 66,089 90,634 loZ ukxfjd@;wvks,l 22,92,014 33,348 32,346 dqy 36,96,583 99,437 1,22,980 futh {ks+= ds rgr] dksiksZjsV vfHknkrkvksa dh la[;k 11-25 yk[k ls c<+dj 14-05 yk[k gks xbZ] tks fd 2-80 yk[k vfHknkrkvksa dh c<+r FkhA ;wvks,l@loZ ukxfjd {ks= ds rgr vfHknkrkvksa dh la[;k ekpZ 2021 ds 16-47 yk[k ls c<+dj ekpZ 2022 esa 6-45 yk[k gks xbZ] tks fd 6-45 yk[k vfHknkrkvksa dh c<+r FkhA vlaxfBr {ks= rkfydk la[;k 3-45% fnukad 31 ekpZ 2022 rd ds vuqlkj vfHknkrkvksa dh la[;k] va’knku vkSj ,uih,l dh ,;w,e vkSj ,ihokbZ {ks= vfHknkrkvksa dh la[;k va’knku ¼#- djksM+ esa½ ,;w,e ¼#- djksM+ esa½ ,uih,l ykbV 41,86,943 3,107 4,687 vVy i”as ku ;kts uk ¼,ihokb½Z 3,62,76,704 18,647 20,923 dqy 4,04,63,647 21,754 25,610 • ,uih,l ykbV vkSj ,ihokbZ ds rgr vfHknkrkvksa dh la[;k feykdj ekpZ 2021 ds var esa ekpZ 2021 ds var esa 323-51 yk[k ls c<+dj ekpZ 2022] esa 404-64 yk[k gks xbZ] 81-13 yk[k ls ,ihokbZ ;kstuk “kq: gqbZ vkSj ;g 1 tqykbZ vfHknkrkvksa ¼25-08 izfr”kr½ ls c<+hA 2015 ls ifjpkfyr gqbZ A ,ihokbZ ;kstuk xjhc vkSj Hkkjr ds oafpr oxksZa ij dsafnzr gS ; blesa • ,uih,l ykbV ;kstuk esa ubZ izfof’V;ka 1 vizSy 60 o’kZ ds ckn ifjHkkf’kr isa”ku izkIr gksxh A 2015 ls lekIr gks xbZ vkSj fnukad 9 ebZ 2015 102okf"kZd fooj.k - 2021-22 • ,ihokbZ ds rgr vfHknkrkvksa dks 60 o’kZ dh fufèk;kas uker% ,yvkbZlh] ,lchvkbZ vkSj vk;q ij muds va”knku] tks fd mudh ,ihokbZ ;wVhvkbZ }kjk izcaf/kr dh tkrh gS A ekpZ 2022 esa “kkfey gksus dh vk;q ij fuHkZj gksaxs] ds rd ds vuqlkj bl ;kstuk dh izca/ku ds rgr vuqlkj :-1000] :-1000 :-2000] :-3000] vkfLr;ka #- 20]923 djksM+ FkhA :-4000] :-5000 rd dh U;wure xkjafVM • ,ihokbZ ds rgr %& isa”ku izkIr gksxh A ,ihokbZ esa “kkfey gksus dh U;wure vk;q 18 o’kZ vkSj vf/kdre vk;q 40 o’kZ d- 79-87 vfHknkrkvksa us #-1000 dh isa”ku gSA vr% ,ihokbZ ds rgr fdlh Hkh vfHknkrk jkf”k dk fodYi pquk gS] tcfd 12-86 }kjk va”knku dh U;wure vof/k 20 o’kZ ;k vfHknkrkvksa us #-5000 dh isa”ku jkf”k dk vfèkd gSA fodYi pquk gSA • dsanzh; vfHkys[kiky vfHkdj.k ¼lhvkj,½ ds [k- 27-95 izfr”kr vkosnd 21&25 o’kZ ds lkFk iathÑr cSad “kk[kkvksa@Mkd?kjksa@isesaV vk;q lewg esa gSA cSadksa ds ek/;e ls ;g ;kstuk ifjpkfyr dh tk ldrh gSA x- L=h vkSj iq#’k vfHknkrkvksa dk vuqikr 44%56 gS A • ,ihokbZ ;kstuk rhu lkoZtfud {ks= isa”ku rkfydk la[;k 3-46% fyax] isa’ku jkf’k vkSj vk;q ds vk/kkj ij iathÑr ,ihokbZ vfHknkrkvksa ¼tkjh fd, x, izku½ dk foLr`r fo’ys"k.kA fyaxkuqlkj Ø- la- fyax izku x.kuk izfr’kr 1 L=h 17804866 44.37 2 iq:’k 22312842 55.61 3 VªkaltsaMj 9,571 0.02 dqy 4,01,27,279 100.00 isa’ku jkf’k vuqlkj Ø- la- isa’ku jkf’k izku x.kuk izfr’kr 1 1,000 3,20,12,653 79.78 2 2,000 17,60,939 4.39 3 3,000 8,59,451 2.14 4 4,000 3,32,309 0.83 5 5,000 51,61,927 12.86 dqy 4,01,27,279 100.00 103Hkkx&III vk;q vuqlkj Ø- la- vk;q oxZ izku x.kuk izfr’kr 1 18 ls 20 o’kkZsa ds chp 66,87,003 16.66 2 21 ls 25 o’kkZsa ds chp 1,12,15,899 27.95 3 26 ls 30 o’kkZsa ds chp 99,30,748 24.75 4 31 ls 35 o’kkZsa ds chp 77,76,413 19.38 5 35 o’kZ ls vf/kd 45,17,216 11.26 dqy 4,01,27,279 100.00 3.14.2 mifLFkfr vfLrRo 3.14.3 ;kstukokj izca/ku ds v/khu laifÙk ,uih,l lajpuk ds rgr 31-03-2022 ds rgr ;kstukokj izca/ku ds v/khu laifÙk fuEufyf[kr dqy 311 mifLFkfr vfLrRo ¼,uih,l fu;fer@ rkfydk esa iznku dh xbZ gS% ladyudrkZ@,ihokbZ&,lih½ vkSj 50 ihvksih&,lbZ iathÑr gSaA rkfydk la[;k 3-47% ;kstukokj izca/ku ds v/khu ifjlaifÙk ¼/kujkf”k :i;s djksM+ esa½ ;kstuk ekpZ&21 ekpZ&22 laiw.kZ o`f+) izfr’kr esa o`f) dsanz ljdkj 181416.26 216883.08 jkT; ljdkj 291959.92 369743.33 midqy 473376.18 586626.41 113250.23 23.92 ,uih,l ykbV 4354.38 4686.740 ,ihokbZ 15687.11 20922.59 dksiksZjsV lhth 36929.68 47343.05 fV;j A & bZ 18979.51 30303.85 fV;j A & lh 9686.52 15509.97 fV;j A & th 16766.29 27630.38 fV;j A & , 74.76 162.65 fV;j AA & bZ 850.98 1424.50 fV;j AA & lh 482.73 762.54 fV;j AA & th 835.49 1214.07 fV;j AA & VhVh,l 2.12 6.74 midqy 104649.56 149967.14 45317.58 43.30 dqy ;ksx 578025.74 736593.56 158567.82 27.43 104okf"kZd fooj.k - 2021-22 mijksDr rkfydk n”kkZrh gS fd ljdkjh {ks= ,uih,l vfHkdj.k½ fofu;e] 2015 dh vf/klwpuk ds i”pkr~ ;kstukvksa ¼lhth vkSj ,lth½ ds fy, izca/ku ds 27 vizSy 2015 ls ,u,lMh,y bZ&xoZusal baÝkLVªDpj v/khu ifjlaifÙk 24 izfr”kr ls c<+h gS] tcfd bu nks fyfeVsM dks dsanzh; vfHkys[kiky vfHkdj.k ds :i esa ;kstukvksa ds vfrfjDr ;kstukvksa ds fy, izca/ku ds dk;Z djus ds fy, iathdj.k izek.ki= iznku fd;k v/khu ifjlaifÙk 43 izfr”kr ls c<+h gS A laiw.kZ :Ik x;k] tks fd ewy vuqca/k fnukad 26 uoacj 2007] ls] ljdkjh {ks= ;kstuk,a #- 1]13]250 djksM+ ls c<+h tks 1 fnlacj 2007 ls 10 o’kZ ds fy, izHkkoh Fkk dh gSa tcfd ljdkjh {ks= ;kstukvksa ls fHkUu ;kstuk,a “ks’k vof/k ds fy, 18 fnlacj 2015 ls izHkkoh gqvkA vkSlru : 45,318 djksM+ ls c<+h gSaA ,u,lMh,y&lhvkj, dks iznku fd, x, iathdj.k 3.14.4 dsanzh; vfHkys[kiky vfHkdj.k] mldh izek.ki= dks 31-03-2021 rd dh vof/k ds fy, c<+k Hkwfedk,a vkSj dk;Z fn;k x;k gSA lhvkj, lHkh e/;LFk bdkbZ;ksa ds fy, ,d ifjpkyu fcanq ds :i esa dk;Z djrk gSA bldh v- ifjp; Hkwfedk esa lHkh vko”;d ckgjh vfHkdj.kksa ls laidZ dsUnzh; vfHkys[kiky vfHkdj.k dks ,d vkarfjd djuk vkSj fjdkWMZdhfiax] iz”kklu rFkk ,uih,l ds ç.kkyh ¼ih,QvkjMh, vf/kfu;e 2013 dh /kkjk 21 vfHknkrkvksa dks xzkgd lsok dk;Z djuk “kkfey gSA ds rgr ifjHkkf"kr½ LFkkfir djus dh vko';drk gS foÙk o’kZ 2016&17 ds nkSjku] izkf/kdj.k }kjk ,e@,l tks jk"Vªh; isa'ku ç.kkyh ¼^^,uih,l^^½ dh lajpuk ds dkohZ daI;wVj”ks;j izkbosV fyfeVsM ¼orZeku esa dsfQu rgr vfHknkrkvksa ds fgrksa dh j{kk ds fy, vkarfjd VsDuksykWth ds uke ls fo[;kr½ dks nwljh lhvkj, laxBu vkSj ifjpkyu vkpj.k ds ekudksa dk vuqikyu ds :i esa iathÑr fd;k vkSj ,uih,l U;kl ds çnku djrh gSA ;g ih,QvkjMh, vkSj vU; ,uih,l bZ&,uih,l ekWM;wy ds ek/;e ls lzksr iznku [kkrksa e/;LFkksa tSls isa'ku fuf/k] okf"kZdh lsok çnkrk] U;klh dh lsok,a laca/kh ifjpkyu “kq: djus dh vuqefr nh] cSad] vkfn ds chp ,d ifjpkyu baVjQsl ds :i esa tgk¡ vfHknkrk dks 15 Qjojh 2017 ls ,u,lMh,y Hkh dk;Z djrk gSA bZ&xoZusal fyfeVsM ¼izFke lhvkj,½ vkSj ,e@,l orZeku esa] fuEufyf[kr rhu laLFkk,a dsUnzh; dsfQu VsDuksykWth izkbosV fyfeVsM ¼f+}rh; lhvkj,½ vfHkys[kiky vfHkdj.k ds :i esa iath—r gSa] ftuesa esa ls ,d ds fodYi dks vkSj mlds Ik”pkr~ vU; ls ,d bdkbZ ds 30-09-2022 rd iwjh rjg ls lfØ; forj.k pSuyksa dks pquuk gksxk A ,e@,l dsfQu gksus dh mEehn gS% VsDuksykWth izkbosV fyfeVsM dks 31 ekpZ] 2017 rd u, [kkrksa dks lsok,a iznku djus dh vuqefr nh Fkh • çksfV;u bZ&xousaZl VsDuksy‚tht fyfeVsMA ¼iwoZ vkSj mlds ckn bls ,uih,l ds ekStwnk vfHknkrkvksa esa ,u,lMh,y bZ&xousaZl baÝkLVªDpj fyfeVsM dks LFkkukarfjr gksus dk fodYi iznku djus okys ds :i esa tkuk tkrk Fkk½ varjlapkyuh;rk xq.k ds lkFk 01 vizSy 2017 ls ,d • dsfQu VsDuksy‚tht fyfeVsMA iw.kZ :ih lhvkj, ds rkSj ij dk;Z djus dh vuqefr FkhA foÙk o’kZ 2020&21 esa] vU; bdkbZ daI;wVj,t • daI;wVj ,t eSustesaV lfoZlst fyfeVsM ¼vHkh eSustesaV lfoZl fyfeVsM ¼lh,,e,l½ dks iathdj.k iwjh rjg ls pkyw gksuk ckdh gS izek.ki= fn;k x;k A rhljs lhvkj, }kjk mldk ih,QvkjMh, }kjk izksfV;u dh fu;qfDr dsanzh; bZ,uih,l ifjpkyu fnukad 17 ekpZ 2022 ls “kq: vfHkys[kiky vfHkdj.k ds :i esa dh xbZ vkSj blds gqvk gSA gkykafd] vHkh Hkh iw.kZ :Ik ls ifjpkyu fd;k fy, fnukad 26 uoacj 2007 dks ,d vuqca/k fu’ikfnr tkuk “ks’k gSA fd;k x;kA ih,QvkjMh, ¼dsanzh; vfHkys[kiky 105Hkkx&III lhvkj, fofu;e 3 d s mi fofu;e 4 d s vulq kj lsokfuo`fÙk [kkrk la[;k ¼izku½ vkSj vkbZfiu@ ektS nw k dnas hz; vfHky[s kiky vfHkdj.k vkjS vU; dnas hz; Vhfiu tkjh djuk gSA vfHknkrkvksa dks iznku vfHky[s kiky vfHkdj.k ;k vfHkdj.kk]as ;fn fu;Dq r dh tkus okyh fofHkUu lsokvksa esa iathdj.k fd, tkr s g]aS d s chp vfHknkrkvk as dk vkoVa u ikjn”khZ ds le; ,l,e,l vyVZ vkSj bZesy Hkstuk] ekunMa k as d s vk/kkj ij gkxs k vkjS ikzf/kdj.k }kjk bldh /kujkf”k ØsfMV@MsfcV] fudklh] izku esa ifzØ;k] tk s fd vfHknkrkvk as d s fgr e as gkxs h] le;&le; miyC/k /kujkf”k] vfHknkrk tkx:drk dk;ZØe ij vf/klfwpr dh tk,xh A rnulq kj] vfHknkrkvk as ds vk;ksftr djuk vkSj lHkh ,uih,l fgr/kkjdksa vkoVa u d s ekunMa fuEukulq kj of.krZ g aS %& dks osc vk/kkfjr ,Dlsl çnku djuk 'kkfey gSA lhvkj, vfHknkrkvksa vkSj uksMy dk;kZy;ksa ;fn fdlh ekeys esa tgk¡ deZpkjh &fu;ksDrk laca/k dks dsaæh—r f'kdk;r çca/ku ç.kkyh vkSj d‚y gSa] dksiksZjsV lfgr] ;fn fu;ksDrk }kjk lhvkj, “kqYd lsaVj dh lqfo/kk Hkh çnku djrk gSA bu lsokvksa ogu fd, tkrs gSa] lhvkj, ds p;u dk fu.kZ; ds vykok] lHkh vfHknkrk j[kj[kko lsok,a tSls fu;ksDrk ds ikl gksxk] tc rd fd og fo”ks’k :Ik ls fd ;kstuk esa cnyko] tulkaf[;dh; fooj.k fdlh fof”k’V deZpkjh dks ;g fu.kZ; ysus dk vf/kdkj esa cnyko] f'kdk;r fuiVku vkfn dks lhvkj, ugha lkSairk vkSj vU; LkHkh ekeyksa esa] ,uih,l }kjk fu;af=r fd;k tk jgk gSA ds rgr lhvkj, ds p;u dk fodYi deZpkjh@ vfHknkrk ds ikl gksxk A LoSfPNd vfHknkrk ds ekeys iii. e/;LFk bdkbZ;ksa dh lsok,a esa ¼fdlh deZpkjh&fu;ksDrk laca/k dh ekStwnxh ds d½ isa’ku fuf/k;ka ¼ih,Q½% isa”ku fuf/k fcuk½ lhvkj, ds p;u dk fodYi lkekU; :i ls izca/kdksa dks le; ij /kujkf”k vkoafVr vfHknkrk ds ikl gksxkA vVy isa”ku ;kstuk ds rgr djuk] lesfdr fuos'k ojh;rk ;kstuk dh iathÑr vfHknkrkvksa ds ekeys esa] lacaf/kr ljdkj tkudkjh rS;kj djuk vkSj Hkstuk] U;klh lsok,a iznku djus ds fy, Lo;a lhvkj, dks pqusxh A cSad ls çkIr fuf/k LFkkukarj.k fjiksVZ dh ,uih,l&ykbV vfHknkrkvksa ds ekeys esa lhvkj, dks iqf"V ds vk/kkj ij isa”ku fuf/k izca/kd pquus dk fodYi ladyudrkZ ds ikl gksxkA dks dqy jkf”k LFkkukarj.k fjiksVZ Hkstuk [k- Hkwfedk,a vkSj ftEesnkfj;ka vkSj isa”ku fuf/k izca/kd }kjk lhvkj, dks Hksts x, ,u,oh dk mi;ksx djrs gq, lhvkj, dh çeq[k Hkwfedk vkSj ftEesnkfj;ka fuEukuqlkj ;kstuk ds izn”kZu dks ekiuk lhvkj, dh gSa% izkFkfed ftEesnkjh gSA i. ubZ dk;Z{kerkvksa dk fujarj lao/kZu vkSj fodkl [k½ U;klh cSad ¼Vhch½% U;klh [kkrs ls çkIr fd;k tk, A lhvkj, dk mÙkjnkf;Ro ns'kHkj isa'ku fuf/k fjiksVZ dk isa'ku fuf/k va'knku esa lqfo/kk dsaæ usVodZ cukuk vkSj LFkkfir lwpuk fjiksVZ ds lkFk feyku djuk vkSj djuk gSA mUgsa fofHkUu ubZ dk;kZRedrkvksa @ fuf/k feyku ij =qfV@folaxfr fjiksVZ mi;ksfxrkvksa dks fodflr djuk gksrk gS vkSj rS;kj djuk] U;klh cSad dks vfHknkrkvksa fofHkUu fgr/kkjdksa dh cnyrh vko';drkvksa ds [kkrs esa vkgj.k fuf/k Hkstus vkSj dks iwjk djus ds fy, e‚Mîwy dk fujarj okf’kZdh ;kstuk ds fy, 'ks"k jkf'k dks lq/kkj vkSj fodkl djuk gSA okf"kZdh lsok çnkrkvksa ds [kkrs esa tek djus dk funsZ'k nsukA ii. lHkh {ks=ksa ds vfHknkrkvksa dks lsok,a A lhvkj, dh çkFkfed Hkwfedk vfHkys[kikyu] ç'kklu] x½ okf"kZdh lsok çnkrk ¼,,lih½% lHkh ,uih,l vfHknkrkvksa ds fy, xzkgd lsok vfHknkrkvksa ls HkkSfrd vkosnu çi= ,d= dk;Z djuk] vfHknkrkvksadks vf}rh; LFkk;h djuk vkSj mUgsa okf’kZdh lsok iznkrkvksa dks 106okf"kZd fooj.k - 2021-22 vxzsf"kr djuk vkSj okf’kZdh lsok iznkrkvksa • ifjpkyu laca/kh igyqvk@eqíksa@fparkvksa ds dks vfHknkrk dh okf"kZdh ds fy, fuf/k lek/kku ds fy, vko';d dkjZokbZ djuk varj.k fooj.k HkstukA vfHknkrk fooj.k • ;g lqfuf'pr djus ds fy, fd] mijksä lHkh ds laca/k esa ,,lih dks bysDVª‚fud MsVk xfrfof/k;ksa ds fy, fd, x, [kpZ dk ogu VªkalQj djuk vkSj okf"kZdh ;kstuk ij ,ulhvkj, }kjk fd;k tk,xk funsZ'k HkstukA ¼2½- lhvkj, ds :i esa O;kolkf;d laHkkoukvksa dk ?k½ vU;% foLrkj djus dh –f"V ls] dsfQu VsDuksy‚tht çkbosV fyfeVsM us ,d çkbosV fyfeVsM daiuh ls ,d ifCyd ih,QvkjMh,] jkT; ljdkjksa] dsaæ ljdkj vkSj foÙk fyfeVsM daiuh esa vius lafo/kku dks cnyus ds fy, ea=ky; dks vkof/kd vkSj rnFkZ ,evkbZ,l ¼f'kdk;r çkf/kdj.k dks viuh eatwjh çnku djus dk vuqjks/k fuokj.k lfgr½ çnku djuk] uksMy dk;kZy;ksa ds fy, fd;k FkkA vkjvkslh ls lHkh vko';d tkudkjh] vkof/kd vfHkfoU;kl dk;ZØe vk;ksftr djuk vkSj ?kks"k.kk,a] çek.ku vkSj vuqeksnu lqfuf'pr djus ds vlhfer ,oa =qfVeqDr iz.kkyh ifjpkyu iznku djuk] ckn] çkf/kdj.k }kjk dsfQu VsDuksy‚tht fyfeVsM ftlesa lhvkj, iz.kkyh] ih,Q] Vhch vkSj ,uih,l ¼muds la'kksf/kr uke ij½ dks iathdj.k çek.ki= dh vU; laLFkk,a “kkfey gksaA ¼lhvksvkj½ tkjh fd;k x;k FkkA 4-iathdj.k çek.ki= tkjh djuk% vfHknkrkvksa@e/;LFkksa@fgr/kkjdksa ds fy, lhvkj, dk fodYi% foÙkh; o’kZ ds nkSjku] çkf/kdj.k us ,u,lMh,y bZ&xousaZl baÝkLVªDpj fyfeVsM ¼^,u&lhvkj,^½ ls orZeku esa] esllZ çksVhu bZ xoZuesaV VsDuksy‚tht çkIr vius uke@ fuekZ.k dks cnyus ds vuqeksnu fyfeVsM vkSj esllZ dsfQu VsDuksy‚tht fyfeVsM ds vuqjks/k ds vk/kkj ij] çksfV;u bZ&xousaZl lhvkj, dh xfrfof/k;ksa dks vatke ns jgs gSa vkSj VsDuksy‚tht fyfeVsM dks vius u, uke esa iathdj.k daI;wVj ,t eSustesaV lfoZlst fyfeVsM vHkh iwjh çek.ki= ¼^^lhvksvkj^^½ tkjh fd;kA ß½A vuqeksnu dh rjg ls pkyw ugha gS] bl çdkj] xzkgd dks ,e çfØ;k ds nkSjku] ,uih,l ds <kaps ds lkFk&lkFk ds chp p;u djus dk fodYi çnku fd;k x;k vfHknkrkvksa ds uke esa ifjorZu ds O;kid çHkko ij gSA 15 Qjojh] 2017 ls çHkkoh ,e@,l çksfV;u fopkj djrs gq,] uke ifjorZu ds dkj.k daiuh }kjk bxoZuesaV VsDuksy‚tht fyfeVsM vkSj eSllZ dsfQu lhvkj, xfrfof/k;ksa ds lapkyu ij fdlh Hkh çfrdwy VsDuksy‚tht fyfeVsMA baVjv‚ijsfcfyVh dk;Z{kerk çHkko ls cpus ds fy, fuEufyf[kr dne mBk, x,% ,uih,l ds ekStwnk vfHknkrkvksa dks 01 vçSy] 2017 ls ,d lhvkj, ls nwljs esa LFkkukarfjr djus dh • lhvkj, ds uke esa ifjorZu dk lqpk# :i vuqefr nsrh gS] ftlesa daI;wVj Hkh 'kkfey gksxkA ,t ls ifjorZu lqfuf'pr djuk] rkfd ekStwnk eSustesaV lfoZlst fyfeVsM iwjh rjg ls pkyw gksus ds lClØkbcj dh lfoZflax vkSj ,uih,l cknA lClØkbclZ/e/;LFkksa vkSj vU; fgr/kkjdksa ds vkfdZVsDpj ds rgr fcpkSfy;ksa ds dkedkt fdlh Hkh eqís@iwNrkN ds ekeys esa laidZ esa vklkuh ij çfrdwy çHkko u iM+sA ds fy,] pktZ lajpuk ls lacaf/kr vU; tkudkjh lfgr lhvkj, ds laidZ fooj.k ih,QvkjMh, dh • ;g lqfuf'pr djus ds fy, fd ,ulhvkj, xzkgd osclkbV ij miyC/k djk, tkrs gSaA f'k{kk lwpuk ds çlkj dks e/;LFkksa/fgr/kkjdksa dks l{ke cukrk gSA 107Hkkx&III dsUnzh; vfHkys[kiky vfHkdj.kksa dk laidZ % bdkbZ dk uke laidZ fooj.k irk M/s Protean 1800 222 080 Protean eGov Technologies Limited Ltd eGov 1st Floor, Times Tower Technologies Kamla Mills Compound Limited Senapati Bapat Marg Lower Parel, Mumbai-400013 M/s KFin 1800 208 1516, M/s KFin Technologies Private Limited, Technologies 1800 208 1617 Selenium Tower B, Plot No. 31 & 32, Limited. Selenium Building, Financial District Nanakramguda, Gachibowli, Hyderabad - 500032. M/s ifjPkkfyr gksuk “ks’k gS M/S Computer Age Management Services Ltd. Computer Age Rayala Towers V Floor, 158 Anna Salai Management Chennai - 600 002 Services Limited. 3 okf"kZd 'kqYd fyfeVsM ¼^^P-CRA^^½ us vius Ikhvkj, okf"kZd j[kj[kko 'kqYd dks 01-10-2021 ls ?kVk fn;k FkkA çkf/kdj.k }kjk ifji= la[;k ih,QvkjMh,@ bl laca/k esa] cksMZ dh fVIif.k;ksa ds vuqikyu esa] 2020@22@vkjbZth&lhvkj,@3] fnukad ih&lhvkj, dks ;g lqfuf'pr djus ds fy, lwfpr 15-06-2020 ds ek/;e ls] ih,QvkjMh, ¼lhvkj,½ fd;k x;k Fkk fd ykxr esa deh ds dkj.k lsok dh fofu;e 2015 ds çko/kkuksa vkSj mlesa la'kks/kuksa ds xq.koÙkk ij çfrdwy çHkko ugha gksuk pkfg, vkSj rgr lhvkj, ds v‚u&VSi iathdj.k ds vuqlkj “kqYd lajpuk esa vxys la'kks/ku rd] 'kqYd esa c<+ksrjh 2020 esa 'kq: dh xbZ dsaæh; vfHkys[kiky vfHkdj.kksa dh vuqefr ugha nh tk,xh] gkykafd] 'kqYd esa deh ds p;u ds ,d vfHkUu vax ds :i esa vfHknkrkvksa ges”kk dh tk ldrh gSA dks muds }kjk çnku dh tkus okyh lsokvksa ds :Ik esa dsaæh; vfHkys[kiky vfHkdj.kksa ¼Þlhvkj,ß½ }kjk ,uih,l fu;fer vkSj ,uih,l ykbV vfHknkrkvksa izR;kjksfir 'kqYdksa ds fy, ^^ewY; fu/kkZj.k iz.kkyh ds dks çnku dh xbZ mudh lsokvksa ds fo#) dsUnzh; fy, fn'kkfunsZ'k^^ fu/kkZfjr fd, x, FksA vfHkys[kiky vfHkdj.k }kjk yxk, tkus okys orZeku 'kqYd dh lajpuk uhps nh xbZ gS% foÙkh; o"kZ ds nkSjku] izksfV;u bZxoZuesaV VsDuksykWth 108okf"kZd fooj.k - 2021-22 rkfydk la[;k 3-48% ,uih,l fu;fer vkSj ,uih,l ykbV@,ihokbZ vfHknkrkvksa ds fy, 'kqYd lajpuk lHkh lacaf/krksa dh tkudkjh ds rgr ;gka miyC/k djkbZ xbZ gS% Ø- lsok 'kqYd 'kh"kZ ,e@,l ,u,lMh,y ,e@,l dsfQu ,e@,l daI;wVj ,t la bZ&xoZusal baÝkLVªDpj VsDuksykWth izkbosV eSustesaV lfoZlst fyfeVsM fyfeVsM ¼izFke lhvkj,½ fyfeVsM ¼f}rh; ¼vHkh Hkh iw.kZ :Ik ls lhvkj,½ ifjpkfyr gksuk 'ks"k gS½ ,uih,l ,uih,l ,uih,l ,uih,l ,uih,l ,uih,l fu;fer ykbV@ fu;fer ykbV @ fu;fer ykbV@ ¼:i;s esa½ ,ihokbZ ¼:i;s esa½ ,ihokbZ ¼:i;s esa½ ,ihokbZ ¼:i;s esa½ ¼:i;s esa½ ¼:i;s esa½ 1 ihvkj, vkajfHkd “kqYd 40-00 15-00 39-36 15 40-00 15-00 2 ihvkj, okf’kZd izcaèku 69.00* 20.00 57.63 14.4 65.00 16.25 “kqYd 3 ysunsu “kqYd 3.75 ”kwU; 3.36 ”kwU; 3.50 ”kwU; 4- fofu;e vkSj la’kks/ku foÙkh; o"kZ ds nkSjku ih,QvkjMh, ¼dsUnzh; vfHkys[kiky vfHkdj.k½ fofu;e 2015 vkSj mlds ih,QvkjMh, ¼dsanzh; vfHkys[kiky vfHkdj.k½ la'kks/kuksa dh tkap dh xbZA fofu;e] 2015] 27 vizSy] 2015 dks lwfpr fd;k x;k A ckn esa] ih,QvkjMh, ¼ dsanzh; vfHkys[kiky ih,QvkjMh, vf/kfu;e 2013 esa mHkjrs@çLrkfor vfHkdj.k½ ¼çFke la’kks/ku½ fofu;e] 2018] 25 twu ifjorZuksa dks /;ku esa j[krs gq,] ,uih,l U;kl dh 2018 dks lwfpr fd;k x;k gS A Hkwfedkvksa vkSj ftEesnkfj;ksa ds rgr ftlesa ,uih,l U;kl dks eq[; :i ls isa'ku fuf/k] vfHk{kd] U;klh isa'ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ¼dsanzh; cSad vkSj lhvkj, ds fudkl vkSj izR;kgj.k laca/kh vfHkys[kiky vfHkdj.k½ fofu;e] 2015 dk mís'; xfrfof/k;ksa dh fuxjkuh ds fy, mÙkjnk;h ekuk ml laLFkk dh ik=rk] 'kklu] laxBu vkSj ifjpkyu tk ldrk gS] ds fy, ekStwnk lhvkj, fofu;e dks vkpj.k ds fy, ekud fu/kkZfjr djuk gS tks dsaæh; 14-06-2021 dks vf/klwfpr ih,QvkjMh, ¼dsaæh; vfHkys[kiky vfHkdj.k ds :i esa dk;Z djuk pkgrs fjd‚MZdhfiax ,tsalh½ ¼la'kks/ku½ fofu;e 2021 ds :i gSaA ;g fofu;e] ih,QvkjMh, vf/kfu;e dh Hkkouk esa la'kksf/kr fd;k x;k Fkk] mlds ckn] ih,QvkjMh, ds vuq:i fujh{k.k] tkap] fuxjkuh vkSj çorZu vf/kfu;e 2013 dh /kkjk 53 ds rgr fu/kkZfjr vuqlkj 'kfä;ksa dk çHkkoh ,oa fo'oluh; mi;ksx vkSj ,d laln ds çR;sd lnu ds le{k fofu;eksa dks j[kus ds dq'ky vuqikyu dk;ZØe ds dk;kZUo;u dks lqfuf'pr laca/k esa vuqikyu Hkh fd;k x;k FkkA djsaxs A 5-- ubZ dk;Z{kerkvksa dk fodkl bl fofu;eu ds ek/;e ls dsaæh; vfHkys[kiky vfHkdj.k ds :i esa iath—r bdkbZ dks ,d vkarfjd fofHkUu fgr/kkjdksa dh cnyrh vko';drkvksa dks iwjk ç.kkyh LFkkfir djus dh vko';drk gS tks ,uih,l djus ds fy, e‚Mîwy dk fujarj lao/kZu vkSj fodkl lhvkj, dk ,d eq[; mís'; gSA ,uih,l ç.kkyh ds vfHknkrkvksa vkSj mudh laifÙk ds fgrksa dh j{kk ds fuckZ/k dkedkt dks lqfuf'pr djus ds fy, lhvkj, mís'; ls vkarfjd laxBu vkSj ifjpkyu vkpj.k ds }kjk fofHkUu dk;kZRedrkvksa dk fodkl fd;k x;k ekudksa dk vuqikyu çnku djrh gSA FkkA dqN çeq[k fodkl bl çdkj gSa% 109Hkkx&III vfHknkrk dks ,uih,l ds varxZr miyC/k lsokiznkrk }kjk ^lQyrk* ;k ^foQyrk* dh lqfoèkk,a% çfrfØ;k ,lch, uacj ds lR;kiu vkSj lhvkj, fjd‚MZ ds vuqlkj uke dh tkap ds vk/kkj ij ,uih,l ds rgr vfHknkrkvksa dks miyC/k çnku dh tk,xhA lqfoèkk,a iii) bZ,uih,l& ljdkjh {ks= ds vfHknkrkvksa ds i) bZ,uih,l eap ds ek/;e ls vfHknkrk iathdj.k fy, ,d ubZ v‚u&cksfMaZx lqfo/kk ds fy, vkWuykbu vk/kkj vk/kkfjr bZdsokbZlh 'kq: fd;k x;k gS& jktLo foHkkx] Hkkjr ljdkj bZ,uih,l ,uih,l U;kl dh vksj ls lhvkj, ls vuqeksnu ds vuqlkj ih,e,y 2002 dh }kjk gksLV fd;k x;k v‚uykbu eap gS /kkjk 11 , ds rgr ;wvkbZMh,vkbZ ls v‚uykbu ftlesa vfHknkrk ,uih,l ds rgr v‚uykbu vk/kkj bZ&çek.khdj.k lsok,a 'kq: djus ds fy, iathdj.k vkSj va”knku dj ldrs gSaA orZeku esa] ,uih,l ds rgr ] Hkkjrh; loZ ukxfjd çksfV;u & lhvkj, vkSj lh,,e,l lhvkj, {ks= vkSj d‚iksZjsV {ks= ds vfHknkrkvksa ds fy, us bZ,uih,l eap esa vfHknkrk iathdj.k ds v‚uykbu iathdj.k dh lqfo/kk miyC/k gSA fy, vk/kkj vk/kkfjr v‚uykbu çek.khdj.k tcfd ,uih,l ds rgr lfØ; çku j[kus dk;Z{kerk dks l{ke fd;k A vfHknkrk }kjk okys ljdkjh {ks= ds vfHknkrkvksa lfgr lHkh ntZ vk/kkj la[;k ds lR;kiu ij dsokbZ iath—r vfHknkrkvksa ds fy, v‚uykbu va”knku fooj.k ;wvkbZMh,vkbZ MsVkcsl ls çkIr fd;k vkSj fV;j AA [kkrk lfØ;.k lqfo/kk miyC/k tkrk gSA çkIr fd, x, fooj.k dks cnyk gSA vc] ljdkjh deZpkfj;ksa ¼tks ,uih,l ds ugha tk ldrk gSA bl dsokbZlh lR;kiu dk varxZr vkrs gSa½ dks ,uih,l esa v‚uykbu mi;ksx djds 3-50 yk[k ls vf/kd [kkrs [kksys iathdj.k djus vkSj bZ,uih,l ds ek/;e ls x, gSaA LFkk;h lsokfuo`fÙk [kkrk la[;k ¼izku½ mRiUu djus dh lqfo/kk gksxh A bZ,uih,l ds ek/;e ls ii) rRdky cSad [kkrk lR;kiu & isuh Mª‚i iathdj.k dh çfØ;k ,d dkxt jfgr çfØ;k gksxh ftlesa vfHknkrk fMftVy gLrk{kj ds çs"k.k&okilh ds eqís dks gy djus ds fy,] ek/;e ls iathdj.k vuqjks/k çLrqr djsxkA vfHknkrkvksa ds fgrksa dh j{kk ds fy, /kujkf'k dks le; ls tek djus vkSj vfrfjä mfpr iv) ysu&nsu fooj.k esa 'kqYdksa dks iznf”kZr fd;k ifjJe }kjk lgh ykHkkFkhZ dh igpku djus ds tkrk gS & ;g ikjnf’kZrk lqfuf'pr djrk gSA fy, lhvkj, }kjk fQu&Vsd lsok çnkrkvksa ds vfHknkrkvksa ds fy, ikjnf'kZrk vkSj iw.kZ lkFk viuh vkbZVh iz.kkyh vkSj fudkl :ijs[kk çdVhdj.k lqfuf'pr djus ds fy,] [kkrksa dks ,dh—r djds ^isuh Mª‚i* }kjk rRdky cSad ds fooj.k dks la'kksf/kr fd;k x;k gS] ftlesa [kkrk lR;kiu dks viuk;k x;k gSA ,uih,l vfHknkrkvksa ls fy, tkus okys fofHkUu ^isuh Mª‚i* çfØ;k ds ek/;e ls] lhvkj, ,lch, 'kqYdksa dks 'kkfey djus ds rjhds vkSj jhfr;kas ¼cpr cSad [kkrk la[;k½ dh lfØ; fLFkfr dh dks 'kkfey fd;k x;k gSA tkap djsaxs vkSj cSad [kkrk la[;k esa uke dk v) ,uih,l@,ihokbZ dsfUnzr lsokvksa ds fy, feyku] çku ¼LFkk;h lsokfuo`fÙk [kkrk la[;k½ fMfty‚dj ds lkFk ,dhdj.k & fMftVy eap esa uke ;k tek fd, x, nLrkostksa ds vuqlkj ds ek/;e ls lHkh ukxfjd dsafær lsok,a çnku djsaxsA ykHkkFkhZ ds cpr cSad [kkrs esa ,d fufnZ"V djus ds fy, Hkkjr ljdkj ds –f"Vdks.k dks jkf’k Mkyus vkSj isuh Mª‚i çfrfØ;k ds vk/kkj /;ku esa j[krs gq,] ,uih,l dks fMfty‚dj ds ij uke dk feyku djds ^ijh{k.k ysunsu* lkFk ,dh—r fd;k x;k gS vkSj vc vfHknkrkvksa djds [kkrs dh oS/krk lR;kfir dh tkrh gSA ds fy, izku dkMZ vU; nLrkost+ksa ds lkFk muds 110okf"kZd fooj.k - 2021-22 fMfty‚dj esa Hkh miyC/k gSA blds vykok] vius izku dks iqu% çkIr djus dk fodYi fMfty‚dj esa miyC/k nLrkostksa dks irs ds çnku fd;k gSA mi;ksxdrkZ dks iSu] tUe çek.k vkSj igpku ds çek.k ds :i esa mi;ksx frfFk vkSj dSIpk ntZ djuk gksxkA iath—r djus dk fodYi çnku djus ds fy, vfHknkrk eksckby uacj vkSj bZesy vkbZMh ij vksVhih iathdj.k çfØ;k dks Hkh la'kksf/kr fd;k x;k gS Hkstk tk,xkA vksVhih dk lQy çek.khdj.k] rkfd vfHknkrkvksa dks fodYi çnku fd;k tk çku vkSj vfHknkrk dk uke mi;ksxdrkZ dks ldsA fn[kk;k tk,xkA vi) E;wPkqvy QaM ds lesfdr [kkrk fooj.k ds x) meax ,i ds lkFk ,dhdj.k & lkFk ,lvksVh dk ,dhdj.k & vfHknkrkvksa dks dsfQuVsd lhvkj, us ,uih,l lsok,a çnku muds fuos'k ds ckjs esa lesfdr tkudkjh çnku djus ds fy, meax ,i ds lkFk ,dhdj.k djus ds fy,] ih,QvkjMh, E;wpqvy QaM ds fd;k gSA vfHknkrk dks çku vkSj ikloMZ çnku fy, vkjVh, }kjk çnku fd, tk jgs lh,,l djuk gksxk vkSj mfpr çek.khdj.k ds ckn] fooj.k esa Hkh ,uih,l fuos'k dh tkudkjh meax osclkbV@,i ij fuEufyf[kr ,uih,l çnku djus dh çfØ;k esa gSA lsokvksa dk ykHk mBk ldrs gSa% vii) ljdkj vkSj d‚iksZjsV vfHknkrkvksa ds fy, • O;fäxr fooj.k ns[ksa fodYi tks viuh ;kstuk ojh;rk@ fuos'k iSVuZ esa tkjh jgus ds fy, lsokfuo`Ùk gks jgs gSa@ • cSad fooj.k ns[ksa & fV;j A vkSj fV;j AA bLrhQk ns jgs gSa & ljdkj@ d‚iksZjsV {ks= ls • u‚fefr fooj.k n[s k as & fV;j A vkjS fV;j AA tqM+s vfHknkrk tks vius jkstxkj ls lsokfuo`Ùk gks jgs gSa ;k bLrhQk ns jgs gSa vkSj tks vkxs • ;kstuk fooj.k & fV;j A vkSj fV;j AA vius ,uih,l [kkrs dks tkjh j[kuk pkgrs gSa] • dqy gksfYMax & fV;j A vkSj fV;j AA muds ikl vc vius [kkrs dks loZ ukxfjd • ;kstuk&okj gksfYMax & fV;j A vkSj {ks= esa LFkkukarfjr djus vkSj viuh ekStwnk fV;j AA ;kstuk ojh;rk@fuos'k iSVuZ ds lkFk tkjh j[kus dk fodYi gksxkA igys loZ ukxfjd • bZesy ij ysunsu fooj.k {ks= ds vfHknkrkvksa ds fy, ;kstuk ojh;rk@ • ikap gkfy;k ;ksxnku fuos'k iSVuZ miyC/k ugha gksus ij viuk [kkrk • ikloMZ viMsV djsa LFkkukarfjr djuk iM+rk Fkk vkSj loZukxfjd {ks= ds rgr vfHknkrkvksa ds fy, miyC/k • eksckby uacj viMsV djsa ;kstuk ojh;rk@fuos'k iSVuZ dk fodYi pquuk • bZesy vkbZMh viMsV djsa iM+rk FkkA bl dne ls ekspu vkSj iqufuZos'k tksf[ke de gksxkA xi) vfHknkrkvksa vkSj uksMy dk;kZy;ksa dks ,uih,l dh fofHkUu dk;kZRedrkvksa vkSj ykHkksa ds ckjs viii) fofHkUu Hkk’kkvksa esa ,lvksVh dh lqfo/kk & vc esa vf/kd tkx:d cukus ds fy, ;wVîwc ij vfHknkrkvksa ds fy, ysunsu fooj.k vaxzsth] ^,uih,l dh ikB'kkyk* ohfM;ksA fganh] ejkBh vkSj dUuM+ Hkk’kk esa miyC/k gSA xii) vc vfHknkrk vkSj bdkbZ ¼,uih,l vfHknkrk dh ix) bZ,uih,l esa ^^vius çku dks tkusa** dh lqfo/kk vksj ls f'kdk;r mBkuk½ ds fy, lhth,e,l iz.kkyh esa lacaf/kr iz”u Js.kh ds mÙkj ds lkFk dsfQuVsd vfHknkrkvksa us bZ,uih,l osclkbV vf/kdrj iwNs tkus okys iz”u ¼,Q,D;w½ miyC/k ij vius izku dks tkusa fodYi ds ek/;e ls gSa A dksbZ vfHknkrk] tks lhth,e,l ds ek/;e 111Hkkx&III ls dksbZ Hkh ç'u iwN jgk gS] mlds ikl p;fur vVy isa’ku ;kstuk ¼,ihokbZ½ ds rgr f'kdk;r dh Js.kh ds vk/kkj ij vDlj iwNs lqfo/kk,¡ tkus okys ç'u vkSj çklafxd mÙkj ns[kus dk i) bZ,ihokbZ& laHkkfor vfHknkrk vc viuh cSad çko/kku gksxkA 'kk[kk esa tk, fcuk ,ihokbZ eap ds ek/;e xiii) ,uih,l ds rgr iathdj.k ds nkSjku cSad@ ls ,ihokbZ ds rgr ukekadu dj ldrs gSa A Mkd?kjksa }kjk dsokbZlh vLohdkj fd, tkus vfHknkrk dks vko';d fooj.k vkSj dsokbZlh dh fLFkfr esa vfHknkrkvksa ds fy, v‚uykbu lR;kiu ds fy, vk/kkj la[;k ntZ djuh jh&dsokbZlh fodYi miyC/k gSA vfHknkrk gksxh vkSj [kkrk [kksyk tk,xk vkSj lacaf/kr vLoh—fr ds dkj.k ds vuqlkj vko';d fooj.k ,ihokbZ&,lih dks VSx fd;k tk,xkA viMsV dj ldrk gS vkSj ;g p;fur cSad@ ihvksih dks iqu% dsokbZlh ds fy, miyC/k gksxkA ii) ,ihokbZ vfHknkrkvksa ds fy, d‚y lsaVj&,ihokbZ vc] jh&dsokbZ lqfo/kk mu lHkh vfHknkrkvksa vfHknkrkvksa ds fy, lefiZr d‚y lsaVj 'kq: ds fy, c<+k nh xbZ gS] tgka vfHknkrkvksa ds fd;k x;k gSA ,ihokbZ d‚y lsaVj uacj 180 iathdj.k ds nkSjku cSadksa }kjk dsokbZlh dks 889&1030 gSA vLohdkj dj fn;k x;k FkkA iii) vfHknkrkvksa dks uoçorZu vkSj vf/kd lsok ykHk ,uih,l eksckby ,i esa fo’ks"krk,a çnku djus ds fy, lHkh lhvkj, ds fy, ,ihokbZ [kksyus dk çLrkoA i) Mh jsfeV opqZvy vkbZMh& vfHknkrk vc bZ,uih,l osclkbV ij tkus ds vykok eksckby iv) ,ihokbZ eksckby ,i& ,i ds tfj, viuk Mh jsfeV opqZvy vkbZMh cuk ldrs gSaA 1. orZeku esa iathdj.k Q‚eZ] LoSfPNd fudkl Q‚eZ] ;ksxnku eSfVªDl bR;kfn tSls fofHkUu ii) vksVhih dk mi;ksx djds ikloMZ jhlsV nLrkostksa dks MkmuyksM djus ds fy, djuk& vc vfHknkrkv vksVhih ds ek/;e ls fodYi miyC/k gSA nLrkostksa ds MkmuyksM eksckby ,i dk mi;ksx djds viuk ikloMZ ds le;] ,u,lMh,y osclkbV ij mi;ksx jhlsV dj ldrk gSA vfHknkrk dks viuk çku] dks iqufuZnsf'kr fd;k x;k FkkA vc vfHknkrk tUe frfFk ntZ djuh gksxh vkSj viuk u;k ,u,lMh,y osclkbV ij jhMk;jsDV gksus ds ikloMZ lsV djuk gksxk vkSj vksVhih tujsV ctk; ,Ik esa gh lHkh nLrkostksa dks MkmuyksM djuk gksxkA mlds eksckby ¼lhvkj, ds lkFk djus esa l{ke gksxkA iath—r½ ij çkIr lgh vksVhih ntZ djus ij ikloMZ lfØ; gks tkrk gSA ;g fodYi xqIr 2. ,ihokbZ ,i esa] vfHknkrk vfHknkrk dk uke] cSad ç'u dk mi;ksx djds ikloMZ jhlsV djus ds [kkrk la[;k] tUe frfFk vkSj dSIpk tSls fooj.k fodYi ds vfrfjä gSA çnku djds çku dkMZ [kkst vkSj MkmuyksM dj ldsxkA bl lqfo/kk dk mi;ksx djus ds iii) vkbZvks,l vkSj foaMkst IysVQ‚eZ ds fy, fy, vfHknkrk dks ,i esa y‚x bu djus dh eksckby ,i mi;ksxdrkZ ds eksckby ,i dks vko';drk ugha gSA vkbZvks,l vkSj foaMkst IysVQ‚eZ dk mi;ksx djus okys vfHknkrkvksa ds fy, miyC/k djk;k v) ,ihokbZ&,ihokbZ ds rgr U;wure isa'ku x;k gSA dks vixzsM@MkmuxzsM djsa] vfHknkrk dks #- 1]000@&] 2]000@& 3]000@&] 4]000 iv) eksckby ,i esa XIRR çnf'kZr gksrk gS ftlesa vkSj 5]000@& çfr ekg dh U;wure isa”ku vfHknkrkvksa }kjk vius dks"k ij vftZr fd, tk dk p;u djuk vfuok;Z gS] tks vfHknkrkvksa jgs fjVuZ dks n'kkZ;k tkrk gSA 112okf"kZd fooj.k - 2021-22 }kjk ;ksxnku ds vk/kkj ij 60 o"kZ dh vk;q esa uksMy dk;kZy;@ihvksih@fuxeksa ds fy, fn;k tk,xkA rnuqlkj] va'knku dks vfHknkrk lqfo/kk,¡ ds cSad [kkrs ls pquh xbZ vko`fÙk ds vuqlkj i) ,uih,l ;ksxnku esa =qfV lq/kkj e‚Mîwy & vFkkZr~ ekfld@frekgh@Nekgh ds vuqlkj ;ksxnku çlaLdj.k ds le;] fdlh Hkh fjd‚MZ dVkSrh dh tkrh gSA ih,QvkjMh, fn'kkfunsZ'kksa esa dksbZ =qfV ik, tkus ij] iwjh Qkby dks ds vuqlkj] ,ihokbZ vfHknkrkvksa ds ikl pquh [kkfjt djus ds ctk;] dsoy ml fjd‚MZ dks xbZ isa'ku jkf'k dks vixzsM@MkmuxzsM djus dk [kkfjt dj fn;k tkrk gS vkSj =qfV ds fcuk fodYi gSA orZeku lqfo/kk ds vuqlkj vfHknkrk vU; fjd‚MZ lalkf/kr fd, tkrs gSaA ;g mu dks vyx&vyx@de jkf'k dk Hkqxrku djuk vfHkys[kksa ds fy, ;ksxnku dh çfØ;k esa nsjh iM+rk Fkk A vc 18 ls 40 o"kZ dh vk;q ds ls cpk,xk tgka dksbZ =qfV ugha gS vkSj uksMy vfHknkrkvksa ds fy, fjfQDls'ku e‚My ds vf/kdkjh ds ç;klksa dks de djrk gSA ek/;e ls vixzsM@MkmuxzsM l{ke fd;k x;k gSA bls ,ihokbZ eksckby ,i esa miyC/k djk;k ii) uksMy dk;kZy; ds cSad [kkrk izdkj& lhvkj, x;k gSA ç.kkyh esa cpr vkSj pkyw [kkrs ds vykok] uksMy dk;kZy;ksa dks ljdkjh [kkrs dks p;u vi) ,uih,l ykbV vfHknkrkvksa ds ikl djus dk fodYi çnku fd;k x;k gSA ,ihokbZ&,uih,l ykbV@ Lokoyacu ;kstuk esa ekbxzsV djus dk fodYi& 18&40 o"kZ dh iii) foHkkxk/;{k MS'kcksMZ fjiksVZ & lacaf/kr MhMhvks vk;q ds chp ds vfHknkrk vc vVy isa'ku ds çn'kZu vkSj vuqikyu dh fuxjkuh ds fy, ;kstuk esa ekbxzsV djus ds fy, gesa v‚uykbu foHkkx çeq[k ¼,pvksMh½ ds fy, lhvkj, iz.kkyh :Ik ls bZ,uih,l @ bZ,ihokbZ iksVZy ij laidZ esa ,pvksMh MS'kcksMZ fjiksVZ fodflr dh xbZ dj ldrs gSaA vfHknkrk }kjk tek fd, x, gSA ,pvksMh Lrj MCY;w ihvkj,vks@MhVh, ds fooj.k dss lR;kiu vkSj [kkrs dks LFkkukarfjr leku gksxk tks varfuZfgr MhMhvks ds lapkyu djus ds fy, ,ihokbZ&,lih ds lkFk lk>k dh fuxjkuh djsxkA bu MhMhvks ds lkFk eSi fd;k tk,xkA fd, x, ih,vks@MhVhvks ds lkFk 'kh"kZ ij ,pvksMh vkSj muds varfuZfgr MhMhvks ds lkFk vii) ,ihokbZ&yhM tujs'ku e‚Mîwy ,d inkuqØe cuk;k x;k gSA ;s MhMhvks vkSj ¼,yth,e½&,yth,e ds ek/;e ls] vfHknkrkvksa ih,vks@MhVhvks uksMy dk;kZy;ksa dks miyC/k dks ,ihokbZ&,lih 'kk[kk esa tkus dh vko';drk ekStwnk MS'kcksMZ fjiksVZ esa fofHkUu ihvkj,vks@ ugha gS D;ksafd [kkrk vksVhih çek.khdj.k ds MhVh, ls tqM+s gks ldrs gSaA ,pvksMh fjiksVZ vk/kkj ij [kksyk tk ldrk gS vkSj bldk ljdkjh {ks= vFkkZr~ lhth vkSj ,lth ds fy, mi;ksx laHkkfor vfHknkrk ;k fdlh “kqHkfpard fodflr dh xbZ gSA }kjk mu yksxksa ds fy, fd;k tk ldrk gS] ftUgsa og lqfo/kk çnku djuk pkgrs gSaA mu lhvkj, Vksy Ýh gsYiykbu yksxksa ds fy, [kkrk [kksyuk ftUgsa og tkurk@ tkurh gSA LGM APY&SPs dks [kkrk [kksyus uksMy dk;kZy;ksa dks muds lkekU; ds fy, MkmuyksM fd, x, MsVk dk mi;ksx ç'uksa@f'kdk;rksa ds laca/k esa lhvkj, ls djus esa enn djrk gSA vuqjks/k çLrqr djus laidZ djus ds fy, lefiZr Vksy Ýh uacj ij yhM dks lacaf/kr ,ihokbZ&,lih dks çku ¼1800222081½ miyC/k djk;k x;k gSA ;g tujs”ku ds fy, vxzsf"kr fd;k tk,xkA LGM ,uih,l vfHknkrkvksa ds fy, miyC/k ekStwnk APY&S dks U;wure ç;kl vkSj ykxr ds Vksy Ýh uacj ¼1800222080½ ds vfrfjä gSA lkFk vfHknkrkvksa dks tqVkus esa l{ke cukrk gSA 113Hkkx&III 3.14.5 isa’ku fuf/k;ka ¼ih,Q½ isa”ku fuf/k;ka lV~Vsnkj fuos”kksa ;k ysunsu djus ls cpsxhA isa”ku fuf/k ls rkRi;Z gS ,d e/;LFk bdkbZ ftls izkfèkdj.k }kjk Hkkx 27 ds mi&Hkkx ¼3½ ds rgr ?k½ isa”ku fuf/k mPp f”kf{kr is”ksojksa ;k bZekunkj va”knkuksa dks izkIr djus] mUgsa fuosf”kr djus vkSj deZpkfj;ksa dh fu;qfDr djsxhA isa”ku fuf/k mlds fofu;eksa esa ;FkkfufnZ’V jhfr esa vfHknkrkvksa dks deZpkfj;ksa ;k vf/kÑr O;fDr] ftlls lsok,a Hkqxrku djus ds fy, ,d is”ku fuf/k ds :i esa izkIr dh xbZ gSa] ds ÑrkÑr ds fy, ftEesnkj iathdj.k izek.ki= fn;k x;k gSA gksxh vkSj ,sls ÑrkÑr dk mÙkjnkf;Ro mldk gksxkA ;g mÙkjnkf;Ro rc rd cuk jgsxk] isa”ku fuf/k;ka ftUgsa fu;qDr vkSj iathÑr fd;k x;k tc rd fd iathdj.k izek.ki= dk fujlu ;k gS] jk’Vªh; isa”ku iz.kkyh ;k vU; ;kstuk ds rgr fuyacu ;k okilh ;k izkf/kdj.k }kjk izca/ku isa”ku dks’k dks izcaf/kr djrh gSa A isa”ku fuf/k;ka vf/kØe.k ugha gks tkrkA ewy vkfLr;ksa dh izkfIr ds iqf’Vdj.k ds fy, muds ,Dlsl dksM vkSj fuf/k vkoaVu] fuf/k vkoaVu ds M-½ is”ku fuf/k vU; e/;LFk bdkbZ;ksa vkSj vU; iqf’Vdj.k ds fy, funsZ”kksa dk iz;ksx djrh gSa vkSj bdkbZ;ksa ds lkFk vU; ckrksa ds lkFk&lkFk izR;sd ;kstuk ds ,u,oh dks lhvkj, vkSj vfHkj{kdksa vuqca/k] ifjpkyu nkf;Roksa dks iw.kZ djus ds dks fu;fer vk/kkj ij Hkstrh gS A fy, rduhdh eap ds ek/;e ls dk;Z vkSj lek;kstu djsxhA isa”ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k ¼isa”ku fuf/k½ fofu;e] 2015 fnukad 14 ebZ] 2015 dks Pk½ isa”ku fuf/k;ka isa”ku ;kstukvksa ds ifjpkyu ls vfèklwfpr gq, vkSj is”ku fuf/k;ksa dks bu fofu;eksa lacaf/kr [kkrk cfg;ksaa] vfHkys[kksa] jftLVj vkSj dk buds la”kks/kuksa lfgr ikyu djuk Fkk A nLrkost+ksa dks izcaf/kr djsxh rkfd fofu;eksa] fn”kkfunsZ”kksa] izkf/kdj.k }kjk le;&le; ij isa’ku fuf/k;ksa ds dk;Z tkjh ifji=ksa dk vuqikyu fd;k tk lds vkSj ysunsu dh ys[kkijh{kk vkSj lnSo O;kikfjd isa”ku fuf/k;ksa ds dk;ksZa esa fuEufyf[kr “kkfey gS] fujarjrk dks cuk, j[kk tk ldsA ysfdu ;g dsoy bu fcanqvksa rd gh lhfer ugha gS% N½ isa”ku fuf/k bu fofu;eksa] fn”kkfunsZ”kksa ;k ifji=ksa d½ isa”ku ;kstukvksa dk izca/ku ;kstukvksa ds rF;ksa] ds rgr vko”;d ;k izkf/kdj.k }kjk ekaxh xbZ U;kl foys[k] fu;eksa] fofu;eksa vkSj izkf/kdj.k ;k jk’Vªh; isa”ku iz.kkyh U;kl }kjk le;&le; }kjk le;&le; ij tkjh ifji=ksa ds vuqlkj ij ekaxh xbZ vkof/kd vkSj vuqikyu fjiksVZ vkSj izkf/kdj.k ;k jk’Vªh; isa”ku iz.kkyh U;kl tek djsxhA }kjk ;FkkfufnZ’V le;lhek ds Hkhrj fd;k tk,xk A Tk½ isa”ku fuf/k vfHknkrkvksa ds fgr es lwpuk dk [k½ isa”ku fuf/k;ksa dk nSfud izca/ku jk’Vªh; isa”ku yksd izdVhdj.k izkf/kdj.k }kjk vuqlwph V esa ;FkkfufnZ’V i)fr ;k jhfr esa djsxhA iz.kkyh U;kl dh vksj ls isa”ku fuf/k }kjk fd;k tk,xkA >½ isa”ku fuf/k fuos”k vkSj tksf[ke izca/ku vFkkZr~ fuos”k lfefr vkSj tksf[ke lfefr ds xBu] x½ isa”ku fuf/k] vfHknkrk ds loksZÙke fgrksa dks mldh jpuk] dk;Z] uhfrxr rF;ksa vkSj vuqlwph /;ku es j[krs gq, vius dÙkZO;ksa dk fuokZg djrs gq, lnSo mPprj lsok ekunaMks] mi;qDr X es ;FkkfufnZ’V vU; leku ekeyksa ds fy, mPPk “kklu i)fr;ksa dks viuk,xkA lko/kkuh] foosd”khyrk] O;olkf;d dkS”ky] “kzh?krk] rRijrk vkSj lrdZrk dk iz;ksx djsxhA ´½ ,d isa”ku fuf/k }kjk isa”ku fuf/k ds :i esa 114okf"kZd fooj.k - 2021-22 nkf;Roksa dks iw.kZ djrs gq, fgr la?k’kksZa ls Hkh gSA fofu;e ih,QvkjMh, vf/kfu;e dh Hkkouk ds cpko fd;k tk,xk vkSj ,slh ?kVukvksa dh vuq:Ik fujh{k.k] tkap] fuxjkuh vkSj izorZu “kfDr;ksa tkudkjh jk’Vªh; isa”ku iz.kkyh U;kl dks iznku vkSj ,d dq”ky vuqikyu dk;ZØe dk çHkkoh vkSj dh tk,xhA fo'oluh; mi;ksx lqfuf'pr djsaxsA Rk½ isa”ku fuf/k vius izk;kstdksa ls isa”ku fuf/k U;klh cSad% O;olkf;d xfrfof/k;ksa dh O;kidrk vkSj ih,QvkjMh, ¼U;kl cSad½ fofu;e] 2015 ds rgr i`FkDdrk lqfuf”pr djsxkA U;klh cSad ds p;u ds fy, ih,QvkjMh, }kjk tkjh Fk½ is”ku fuf/k vfHknkrkvksa dh lwpuk ds laca/k esa 12 vDVwcj 2020 ds çLrko ds vuqjks/k ¼vkj,Qih½ ds vkSj is”ku fuf/k;ksa ls lacaf/kr fØ;kdykiksa dh tokc esa ,fDll cSad fyfeVsM dks ,uih,l ds rgr xksiuh;rk dks lqfuf”pr djsxk vkSj izkf/kdj.k U;klh cSad ds :i esa fu;qä fd;k x;k gSA ;k jk’Vªh; isa”ku iz.kkyh U;kl ;k dkuwu ds ,fDll cSad dks ,uih,l U;klh cSad ds :i esa izko/kkuksa ds }kjk visf{kr lwpuk ds vfrfjDr iathdj.k çek.k i= 8 tuojh 2021 ls tkjh fd;k mlds fu;a=.kk/khu laiw.kZ lwpuk dh lqj{kk x;k vkSj iathdj.k çek.k i= vkSj mls iznRr foLrkj djsxkA dh rkjh[k ls ikap lky dh vof/k ds fy, oS/k gS] tc n½ isa”ku fuf/k jk’Vªh; isa”ku iz.kkyh U;kl dh rd fd çkf/kdj.k }kjk ih,QvkjMh, ¼U;klh cSad½ vksj ls vfHknkrkvksa ds fgrksa dh j{kk ds fy, fofu;e 2015 vkSj mlds la'kks/kuksa ds fu;e 13 ds vko”;d ,sls vH;kosnu vkSj okjaVh iznku vuqlkj fuyafcr ;k jí ugha fd;k tkrk gSA djsxkA ,uih,l U;kl }kjk U;klh cSad ds lkFk ,d 3.14.6 U;klh cSad lsok Lrjh; le>kSrk ¼,l,y,½ vkj,Qih fnukad 12-10-2020 vkSj ih,QvkjMh, ¼U;klh cSad½ isa”ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ¼U;klh fofu;e] 2015 rFkk mlds la'kks/kuksa ds lkFk&lkFk cSad½ fofu;e blds rgr tkjh ifji= vkSj fn'kkfunsZ'kksa ds vuqlkj fu"ikfnr fd;k x;k gSA ih,QvkjMh, ¼U;kl cSad½ fofu;e] 2015 dks 23 ekpZ 2015 dks vf/klwfpr fd;k x;k FkkA isa'ku fuf/k fuEufyf[kr vkjs[k ,uih,l lajpuk esa U;klh fofu;ked vkSj fodkl çkf/kdj.k ¼U;klh cSad½ cSad dh Hkwfedk dks n’kkZrk gS% fofu;eksa dk mís'; U;klh cSad ds :i esa p;fur gksus okyh laLFkk dh ik=rk] 'kklu] laxBu vkSj ifjpkyu vkpj.k ds fy, ekud fu/kkZfjr djuk 115Hkkx&III pkVZ 3-11 ,uih,l lajpuk vkSj e/;LFk bdkbZ;ka U;klh cSad dh Hkwfedk,a vkSj mÙkjnkf;Ro 2- U;klh cSad] lhvkj, iz.kkyh esa fofHkUu uksMy dk;kZy;ksa ls çkIr fuf/k;ksa ds fooj.k okyh ,d 1- U;klh cSad lhvkj, iz.kkyh dh fofHkUu laLFkkvksa Qkby viyksM djrk gSA fQj bu fooj.kksa vFkkZr~ uksMy dk;kZy;ksa ¼viyksM djus okys dk feyku uksMy dk;kZy; ¼dk;kZy;ksa½ }kjk dk;kZy;½] isa'ku fuf/k çca/kd] okf"kZdh lsok lhvkj, ç.kkyh dks çnku fd, x, va”knku çnkrk vkSj vfHknkrkvksa ds chp fuf/k LFkkukarj.k fooj.k ls fd;k tkrk gSA lqfo/kk çnku djrk gSA 116okf"kZd fooj.k - 2021-22 3- U;klh cSad dks lhvkj, iz.kkyh ls fuf/k ,uih,l U;kl }kjk funsZf'kr cSafdax lqfo/kk,a LFkkukarj.k djus ds fy, Hkqxrku çfØ;k ds çnku djrk gSA fgLls ds :i esa fofHkUu laLFkkvksa vFkkZr~ isa”ku 7- U;klh cSad çkf/kdj.k }kjk fofu;fer ;k ç'kkflr fuf/k;ksa] okf"kZdh çnkrk] fudklh [kkrs dks fuf/k ;kstukvksa ds rgr jk’Vªh; isa'ku iz.kkyh U;kl LFkkukarj.k funsZ'k çkIr gksrs gSa vkSj ;g isa'ku vkSj vU; e/;LFk bdkbZ;ksa ds lkFk vko';d fuf/k çca/kd¼vksa½ ls Hkh /ku çkIr dj ldrs gSaA lsok Lrj le>kSrs vkSj xSj&çdVhdj.k le>kSrs 4- vKkr foçs"k.kksa ;k v/kwjh tkudkjh ;qDr ij] tgka ykxw gks] gLrk{kj djrk gSA foizs’k.kksa dks lacaf/kr laLFkk dks okil djukA 8- U;klh cSad e/;LFk bdkbZ;ksa ds chp ,d laidZ 5- çR;sd fuiVku fnol ds var esa] U;klh cSad fcanq LFkkfir djrk gS vkSj jk”Vªh; isa'ku [kkrs esa tek /kujkf'k dk lhvkj, iz.kkyh esa ç.kkyh ds rgr fu;qä vU; e/;LFkksa ds lkFk ekStwn jkf”k ds lkFk feyku fd;k tkrk gSA dqy lg;ksx vkSj leUo; esa dk;ZZ djrk gSA ,uih,l U;klh cSad dh egRoiw.kZ Hkwfedk,a vkSj 9- U;klh cSad ;g lqfuf'pr djus ds fy, lHkh dk;Z fuEufyf[kr gSa% mfpr dne mBkrk gS vkSj mfpr ifjJe djrk gS fd çnku dh tkus okyh cSafdax lqfo/kk,a 1- U;klh cSad lhvkj, iz.kkyh dh fofHkUu laLFkkvksa ih,QvkjMh,@,uih,l U;kl fn'kkfunsZ'kksa@ vFkkZr~ uksMy dk;kZy;ksa ¼viyksM djus okys funsZ'kksa ds çko/kkuksa ds foijhr ugha gSa vkSj dk;kZy;½] isa”ku fuf/k çca/kd] okf’kZdh lsok vfHknkrkvksa ds vf/kdkj vkSj fgr lqjf{kr gSA çnkrk vkSj vfHknkrkvksa ds chp fuf/k LFkkukarj.k lqfo/kk çnku djrk gSA 10- U;klh cSad [kkrs ,uih,l vfHknkrkvksa dh vksj ls gSa] vkSj ,uih,l U;kl ds uke ls [kksys x, 2- U;klh cSad lhvkj, iz.kkyh dh fofHkUu laLFkkvksa gSaA ,uih,l U;kl bu QaMksa dk iath—r ekfyd vFkkZr~ uksMy dk;kZy;ksa ¼viyksM djus okys gSA gkykafd] O;fäxr ,uih,l vfHknkrk bu dk;kZy;½] isa'ku fuf/k çca/kd] okf"kZdh lsok QaMksa ds ykHkkFkhZ cus jgsaxsA ,uih,l U;kl dks çnkrk vkSj vfHknkrkvksa ds chp fuf/k LFkkukarj.k vkbZVh vf/kfu;e] 1961 dh /kkjk 10¼44½ ds lqfo/kk çnku djrk gSA vuqlkj vk;dj Hkqxrku ls NwV nh xbZ gSA 3- U;klh cSad dks lhvkj, iz.kkyh ls fuf/k 11- U;klh cSad ,uih,l ds rgr fuf/k;ksa ds fy, LFkkukarj.k djus ds fy, Hkqxrku çfØ;k ds ih,QvkjMh, }kjk tkjh fn'kk&funsZ'kksa@ fgLls ds :i esa fofHkUu laLFkkvksa vFkkZr~ isa”ku vf/klwpukvksa@funsZ'kksa vkSj ,uih,l U;kl ds fuf/k;ksa] okf"kZdh çnkrk] fudklh [kkrs dks fuf/k lkFk fu"ikfnr ifjpkyu lsok Lrj le>kSrs LFkkukarj.k funsZ'k çkIr gksrs gSa vkSj ;g isa'ku rFkk ih,QvkjMh, ds fn'kkfunsZ'kksa ds vk/kkj fuf/k çca/kd¼vksa½ ls Hkh /ku çkIr dj ldrs gSaA ij ,uih,l U;kl }kjk tkjh ekud lapkyu 4- vKkr foçs"k.kksa ;k v/kwjh tkudkjh ;qDr çfØ;kvksa ds vuqlkj cSafdax dk;Z djrk gSA foizs’k.kksa dks lacaf/kr laLFkk dks okil djukA 12- U;klh cSad fuf/k;ksa ds nSfud çokg ds fy, 5- çR;sd fuiVku fnol ds var esa] U;klh cSad mÙkjnk;h gSA [kkrs esa tek /kujkf'k dk lhvkj, iz.kkyh esa 13- U;klh cSad vius ikl miyC/k ,uih,l ekStwn jkf”k ds lkFk feyku fd;k tkrk gSA fuf/k;ksa ls lacaf/kr lwpuk vkSj funsZ'k] dsanzh; ,uih,l U;klh cSad dh egRoiw.kZ Hkwfedk,a vkSj vfHkys[kiky vfHkdj.k¼vksa½ dks fu;fer vk/kkj dk;Z fuEufyf[kr gSa% ij çsf"kr djrk gSA 6- U;klh cSad] çkf/kdj.k ds fu/kkZfjr fu;eksa] 14- U;klh cSad ,uih,l U;kl] ih,QvkjMh,] fn'kkfunsZ'kksa] ifji=ksa vkSj funsZ'kksa ds rgr 117Hkkx&III lhvkj, vkSj vU; lsok çnkrkvksa dks 18- U;klh cSad] ih,QvkjMh,@,uih,l U;kl dks osc&vk/kkfjr ,Dlsl çnku djrk gSA fuEufyf[kr vkof/kd fjiksVZ çLrqr djrk gS& 15- U;klh cSad Hkfo"; ds ifjorZuksa ds fy, vuqdwy d½ ,uih,l U;kl [kkrksa] vuqikyu çek.ki=ksa gS] ftlesa çkS|ksfxdh çxfr ds dkj.k gksus okys vkSj vfHknkrk f’kdk;rksa dh fjiksVZ ds ifjorZu] vfHknkrkvksa dh la[;k] ;kstukvksa dh laca/k esa Lora= ys[kk ijh{kdksa ls fu;fer la[;k lfgr iz.kkyh fof”k’Vrkvksa esa ifjorZu] varjky ij vkarfjd ys[kk ijh{kk fjiksVZ vkSj ih,QvkjMh,@,uih,l U;kl }kjk dk lkjA fu/kkZfjr lsokvksa rFkk dk;kZRed nkf;Roksa lfgr [k½ leorhZ ys[kkijh{kk fjiksVZ çR;sd frekgh iz.kkyh fofuns'kksa esa ifjorZu 'kkfey gSaA esa çLrqr dh tkrh gSA 16- U;klh cSad fn'kkfunsZ'kksa dk vuqikyu lqfuf'pr x½ U;klh cSad esa j[ks x, lHkh ,uih,l djus ds fy, ,uih,l U;klh cSad] lhvkj, [kkrksa dh ckgjh Yks[kkijh{kk fjiksVZ okf’kZd ¼,l½] vfHknkrkvksa] isa'ku fuf/k] vkfn ds chp /ku vk/kkj ij tek dh tkrh gSA çokg vkSj lwpuk çokg ds fy, cgh[kkrk vkSj mijksä rhuksa ys[kkijh{kkvksa dk nk;jk fjd‚MZ j[krk gS] vkSj ih,QvkjMh,@,uih,l ih,QvkjMh, }kjk ifjHkkf’kr gSA U;kl }kjk vko';drkuqlkj ;k ekaxkuqlkj varjky ij vkSj fof/k ls fu;fer fjiksVZ çLrqr 19- ,uih,l U;klh cSad vius deZpkfj;ksa ;k mu djrk gS ldrk gSA O;fä;ksa ds ÑrkÑrksa ds fy, mÙkjnk;h gksxk ftudh lsok,a ,uih,l U;klh cSad }kjk çkIr 17- U;klh cSad ls le;&le; ij çdVhdj.k dh xbZ gSaA vko';drkvksa vkSj ih,QvkjMh,@,uih,l U;kl vkSj vU; foÙkh; {ks= ds fu;kedksa }kjk U;klh cSad ds fy, le;lhek fufnZ"V vkpkj lafgrk dk ikyu djus dh U;klh cSad dh O;kolkf;d xfrfof/k;k¡ lhvkj, dh vis{kk dh tkrh gSA U;kl [kkrksa ls lacaf/kr vU; çfØ;kvksa ls tqM+h gqbZ gSaA blfy,] cSad ;g cgh vkSj fjd‚MZ ih,QvkjMh,] ,uih,l U;kl] lqfuf'pr djrk gS fd xfrfof/k;ksa dks fufnZ"V le; vkjchvkbZ vkSj muds lacaf/kr ys[kk ijh{kdksa lhek ds Hkhrj iwjk fd;k tk,A uhps fn;k x;k pkVZ ds vf/k—r vf/kdkfj;ksa ;k vfHkdrkZvksa ds fy, eq[; xfrfof/k;ksa vkSj le; lhek dk ewy fopkj nsrk fujh{k.k gsrq miyC/k gksaxsA gS] ftlds Hkhrj cSad }kjk bls fd;k tkrk gS% rkfydk la[;k 3-48% le;lhek ds lkFk U;klh cSad ds izeq[k fØ;kdyki Ø-la fØ;kdyki dh izÑfr vafre le;* fnol* 1. U;klh cSad ds fy, fuf/k izkfIr - Vh 2. vifjfpr fuf/k;ksa dh okilh - Vh&+1 3. fuf/k izkfIr iqf’Vdj.k Qkby viyksM i) lkekU; fuf/k izkfIr iqf’Vdj.k ds fy, izfrfnu Vh&1 fnol ij izkr% 09%15 cts Mh&jsfeV fuf/k izkfIr iqf’Vdj.k ds fy, Vh fnol ¼izkr% 09-30%01 vkSj Vh + 1 ij izkr% 09-30%00 ds chp izkIr lek”kksf/kr fuf/k;ksa ds fy,½ ij izkRk% 10-30 cts 4. Hkqxrku funsZ”k Qkby MkmuyksM - izfrfnu 118okf"kZd fooj.k - 2021-22 Ø-la fØ;kdyki dh izÑfr vafre le;* fnol* 5. isa”ku fuf/k;ksa vkSj fudklh [kkrksa dks fuf/k ii) Iksa”ku fuf/k ysunsu lalk/ku % 13%30 izfrfnu LFkkukarj.k dh iqf’Vdj.k ds fy, fufnZ’V ?kUVs MCy;w,lh Qkby laLkk/ku % fnol dh le; lekfIr ij 6. isa”ku fuf/k;ksa dks ,e ,aM ch fuf/k;ksa dk - Vh&+1 LFkkukarj.k 7. fooj.k viyksM vkSj fofHkUu [kkrksa dk - izfrfnu vafre “ks’k /;ku nsa% çkf/kdj.k }kjk fufnZ"V le;lhek dk vuqikyu u djus ij le;&le; ij fofufnZ"V naMkRed çko/kku ykxw gks ldrs gSaA le;&lhek esa xSj&vuqikyu ds fy, naM çko/kku dh orZeku ykxw nj nks çfr'kr çfr o"kZ lfgr vkjchvkbZ jsiks nj eqvkots ds :i esa ns; gSA ;fn /kujkf”k 50@& :i;s ls vf/kd gS rks eqvkots [kkrk la[;k ¼izku½ ls tqM+h ,d opqZvy vkbZMh dh jkf'k vfHknkrk ds O;fäxr çku esa tek dh cukdj LosPNk ls viuk va”knku tek djsaA Mh&jsfeV tk,xh vkSj ;fn ;g /kujkf”k 50@& #i;s ls de gS us u dsoy LoSfPNd va”knku tek djus ds rjhds rks ,lbZih,Q [kkrs esa tek dh tk,xhA dks vklku cuk;k gS cfYd] vxj U;klh cSad }kjk fu/kkZfjr vafre le; ds Hkhrj va”knku çkIr gksrk gS fu;ked 'kqYd lajpuk % U;klh cSad frekgh ds var rks fuos'k ij mlh fnu ,u,oh çnku djds fuos'k ls 15 fnuksa ds Hkhrj lHkh ,uih,l U;kl [kkrksa ds fjVuZ dks Hkh vuqdwfyr fd;k gSA lesfdr 'ks"k ij çfr o"kZ çfr'kr ds :i esa x.kuk dh xbZ jsiks nj ij okf"kZd 'kqYd tek djsxk] ;g vfHknkrk vc vius usVcSafdax [kkrs esa ,d LFkk;h iwjh iathdj.k vof/k vkSj mlds fy, dh xbZ dksbZ funsZ'k Mky ldrs gSa] tks lh/ks muds çku [kkrksa esa Hkh foLrkfjr vof/k ds fy, ekU; gS] bldk frekgh va”knku Hkst nsxkA ;g fuos'k dh le;lhek dks Vh+2 vk/kkj ij lh/ks çkf/kdj.k dks Hkqxrku fd;k tkrk ls ?kVkdj Vh ¼,d fu/kkZfjr le; ls igys fd, x, gSA va”knku ds fy,½ ;k Vh+1 dj nsxkA iii) çR;{k çs"k.k ¼Mh&jsfeV½% Mh jsfeV ds rgr va”knku Lohdkj djus ds fy, rRdky Hkqxrku ç.kkyh ¼vkbZ,eih,l½ lqfo/kkA vfHknkrk dks de ykxr ij fu;fer ;ksxnku djus dh lqfo/kk ds fy, ] ih,QvkjMh, us çR;{k vfHknkrk ,ubZ,QVh] vkjVhth,l vkSj vkbZ,eih,l çs”k.k ¼Mh&jsfeV½ uke ls ,d vfrfjä fodYi@ dk iz;ksx djrs gq, va”knku dj ldrs gSaA vkbZ,eih,l va”knku dk rjhdk is'k fd;k gS] ftlesa ljdkjh@ lqfo/kk ls vfHknkrkvksa dks vkbZ,eih,l ds rgr jkf'k xSj&ljdkjh@ loZ ukxfjd e‚My ds rgr ekStwnk LFkkukarfjr djus vkSj mlh fnu ,u,oh çkIr djus ,uih,l vfHknkrk l{ke gksaxsA LFkk;h lsokfuo`fÙk esa enn feysxhA rkfydk la[;k 3-49% nSfud vkSlr /kujkf’k ¼ djksM+ esa ½ & foÙk o"kZ 2020&21 ds nkSjku #>ku nSfud vkSlr izksfV;u lhvkj, lhvkj, lhvkj, ds dqy /kujkf'k ,u,lMh,y fQuVsd vizSy&21 17,657 251 0 17,907 ebZ&21 14,811 217 0 15,029 twu&21 13,535 215 0 13,751 119Hkkx&III nSfud vkSlr izksfV;u lhvkj, lhvkj, lhvkj, ds dqy /kujkf'k ,u,lMh,y fQuVsd tqykbZ&21 16,035 200 w0 16,236 vxLr&21 12,377 214 0 12,592 flracj&21 17,527 284 0 17,811 vDVwcj&21 19,993 227 0 20,220 Ukoacj&21 17,231 262 0 17,493 fnlacj&21 18,272 243 0 18,515 Tkuojh&22 18,652 408 0 19,060 Qjojh&22 18,325 338 0 18,663 ekpZ&22 23,435 531 1 23,966 dqy 2,07,850 3,391 1 2,11,242 ¼lzksr & U;klh cSad½ 3-14-7 jk"Vªh; isa'ku ç.kkyh ds rgr izfrHkwfr;ksa tks çksn~Hkwr gksus okys ykHkksa ;k gdnkjh ls dk vfHkj{kd lEcU/k gks % vkSj ^çfrHkwfr;ksa dk vfHkj{kd* çkf/kdj.k }kjk fofu;fer ¼v½ mi[kaM¼i½ ls¼iv½ esa lanfHkZr lsokvksa ds vfHkys[kksa isa'ku Ldheksa ds fy, vfHkj{kd vkSj fu{ksikxkj dks cuk, j[kuk vkSj lek/kku djukA çfrHkkxh lsok,a çnku djus ds fy, vf/kfu;e dh orZeku esa] LV‚d gksfYMax dksiksZjs'ku v‚Q /kkjk 27 dh mi&/kkjk¼3½ ds varxZr çkf/kdj.k }kjk bafM;k çfrHkwfr;ksa ds vfHkj{kd ds :i esa dk;Z vuqnÙk jftLVªhdj.k çek.ki= laLFkk vfHkçsr gS % dj jgk gSA ^^vfHkj{kd lsok,a^^jk"Vªh; isa'ku ç.kkyh vkSj fdlh çfrHkwfr;ksa ds vfHkj{kd ds lkekU; mÙkjnkf;Ro vU; isa'ku Ldhe ds v/khu vkfLr;ksa vkSj çfrHkwfr;ksa ih,QvkjMh, ¼çfrHkwfr;ksa ds vfHkj{kd½ fofu;e] dks lqjf{kr j[kuk rFkk mlls vuq"kkafxd lsok,a çnku 2015 ds vuqlkj çfrHkwfr;ksa ds vfHkj{kd ds lkekU; djuk vfHkçsr gS vkSj blesa lfEeyr gS %& mÙkjnkf;Ro uhps fn, x, gSa % ¼i½ vkfLr;ksa vkSj çfrHkwfr;ksa ds [kkrksa dks la/k`r ¼1½ çfrHkwfr;ksa dk vfHkj{kd vius drZO;ksa ds fuoZgu djuk% ds le; vfHknkrkvksa ds loksZÙke fgr esa lHkh ¼ii½ fMikftVjh vf/kfu;e] 1996¼1996 dk 22½ ds le; ij mfpr lko/kkuh] foosd] O;olkf;d fuca/kuksa vkSj Hkkjrh; çfrHkwfr vkSj fofue; dq'kyrk vkSj lE;d~ rRijrk cjrsxk A cksMZ }kjk vuqKkr ?kjsyw fu{ksikxkj ds :i esa ¼2½ çfrHkfwr;k as dk vfHkj{kd vU; e/;ofr;Z k as vkjS dk;Z djuk % lLa Fkkvk as d s lkFk l;a kts u dju s e as ml s leFkZ ¼iii½ vkfLr;ksa vkSj çfrHkwfr;ksa ij mn~Hkwr gdnkjh cuku s d s fy, vko';d çfØ;kvk]as ç.kkfy;k]as vkSj ykHkksa dk laxzg.k djuk % i;kIZr lpw uk rduhd volja puk miyC/k djk,xk vkjS Hkfo"; e as gkus s oky s ifjoruZ k as ftuea s ¼iv½ çfrHkwfr;ksa ds fuxedrkZ }kjk dh xbZ ;k dh rduhd mUufr e as ifjoruZ ] ç.kkyh vkjS los kvka s tkus okyh dkjZokbZ ds ckjs esa lalwfpr djuk 120okf"kZd fooj.k - 2021-22 d s fofun'Zs ku e as ifjoruZ vkjS çkf/kdj.k }kjk çfrHkwfr;ksa ds vfHkys[kksa dk fuekZ.k vkSj bl fofufn"ZV dk; Z lEcU/kh nkf;Rok as dh mn?~ kk"sk.kk ea s jhfr esa mudk vuqj{k.k djsxk fd fdlh dkj.k ifjoruZ d s vu:q i ifjofrrZ gkxs k A ls ewy vfHkys[kksa ds yqIr gksus ij çfrHkwfr;ksa ds vuqjs[k.k vFkok nLrkostksa ds çfr:i dh ¼3½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf'pr djus lqfo/kk miyC/k gksA ds fy, lHkh vko';d lko/kkfu;ka cjrsxk fd vfHkys[kksa dh fujarjrk yqIr ;k u"V u gks ¼9½ çfrHkwfr;ksa dk vfHkj{kd mldh vfHkj{kk vkSj blds fy, vfHkys[kksa dk i;kZIr cSdvi esa /kkfjr çfrHkwfr;ksa ds vfHkys[kksa dk fuekZ.k miyC/k gks A vkSj bl jhfr esa mudk vuqj{k.k djsxk fd fdlh dkj.k ls ewy vfHkys[kksa ds yqIr gksus ¼4½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf'pr djsxk ij çfrHkwfr;ksa ds vuqjs[k.k vFkok nLrkost ds fd lHkh le; ij isa'ku ;kstuk [kkrksa esa çfr:i dh lqfo/kk miyC/k gks A laO;ogkj dk Lrj isa'ku fuf/k vFkok jk"Vªh; isa'ku ç.kkyh U;kl ds funsZ'kksa ds vuqlkj gks ¼10½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf'pr djsxk vkSj bu [kkrksa esa /kkfjr vkfLr;ksa dk bLrseky fd jk"Vªh; isa'ku ç.kkyh vFkok çkf/kdj.k }kjk Li"Vr;k dsoy isa'ku fuf/k vFkok jk"Vªh; isa'ku fofu;fer fdlh vU; isa'ku ;kstuk ds varxZr ç.kkyh U;kl }kjk vf/k—r laO;ogkj ds fy, mlds }kjk /kkfjr çfrHkwfr;ka i;kZIr :i ls fd;k x;k gS A lqjf{kr gSa A ¼5½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf'pr djsxk ¼11½ çfrHkwfr;ksa ds vfHkj{kd ds ikl vfHkys[kksa vkSj fd lHkh le; ij jk"Vªh; isa'ku ç.kkyh U;kl nLrkostksa esa ftuesa çfrHkwfr;ksa dh laijh{kk] dh vksj ls /kkfjr çfrHkwfr;ksa dks mlds [kkrksa vf/kdkj vFkok bl djkj ds v/khu /kkfjr esa mldh viuh /kkfjrkvksa] vU; xzkgdksa ds vkfLr;ksa ij gdnkjh 'kkfey gSa fdlh çdkj ds [kkrksa ls Li"Vr;k i`Fkd vkSj vyx j[kk x;k gsjQsj ls j{kk ds fy, i;kZIr vkarfjd fu;a=.k gS vkSj vU; xfrfof/k;ksa ls i`Fkd gSA çfrHkwfr;ksa gksxk A çfrHkwfr;ksa ds vfHkj{kd ds ikl ,slh dk vfHkj{kd çkf/kdj.k }kjk fofu;fer isa'ku çfrHkwfr;ksa ¼vkfLr;ksa vkSj nLrkostksa½ dks pksjh ;kstukvksa ds fy, vkSj çfrHkwfr;ksa ds iathdj.k vkSj çk—frd vkink ls cpko lqfuf'pr djrk ds fufnZ"V jhfr ds vuqlkj ,d i`Fkd~ vuqjf{kr gqvk i;kZIr lqj{kk mik; gSaA [kkrk [kksysxk A ¼12½ çfrHkwfr;ksa dk vfHkj{kd çkf/kdj.k }kjk ¼6½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf'pr djsxk fofu;fer isa'ku [kkrksa esa miyC/k vkfLr;ksa dk fd jk"Vªh; isa'ku ç.kkyh U;kl vFkok isa'ku fuiVku djus dk gdnkj ugha gksxk vFkok ;kstukvksa ds fy, mldh vuqj{kk esa /kkfjr isa'ku fuf/k vFkok vU; çdkj ls jk"Vªh; isa'ku çfrHkwfr;ksa ij lHkh vf/kdkj vkSj gdnkjh ç.kkyh U;kl dh vksj ls ml ij ns; jkf'k;ksa çkf/kdj.k vFkok jk"Vªh; isa'ku ç.kkyh U;kl ds va'kr% vkSj iw.kZr% lek/kku ds fy, muds }kjk fofufnZ"V jhfr vkSj le; ij çkIr gks A lkFk le>kSrk fcuk çkf/kdj.k vkSj jk"Vªh; isa'ku ç.kkyh U;kl dh iwoZ fyf[kr vuqefr ds ¼7½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf'pr djsxk ugha djsxkA fd isa'ku ;kstuk [kkrksa esa O;fäxr /kkfjr jkf'k fnu dh lekfIr ij fu{ksikxkj /kkfjr jkf'k;ksa ¼13½ çfrHkwfr;ksa dk vfHkj{kd çfrHkwfr;ksa ij _.k vkSj xzkgd lgk;d lkekU; [kkrk cgh ds lkFk Hkkj ugha yxk,xk ftuesa fxjoh j[kus] mçk/kh;u lek/kku—r gks A vFkok fdlh çdkj ds çHkkj dk fuekZ.k 'kkfey gS vFkok mä çfrHkwfr ij mldk nkok ugha ¼8½ çfrHkwfr;ksa dk vfHkj{kd ;g lqfuf'pr djsxk djsxk A çfrHkwfr;ksa dk vfHkj{kd fcuk çkf/kdj.k fd isa'ku ;kstuk [kkrksa ds vUnj vkSj ckgj dh 121Hkkx&III vFkok jk"Vªh; isa'ku ç.kkyh U;kl dh vuqefr ikl U;kl fuf/k vkSj U;kl ds ekeyksa dk lkekU; ds fdlh çdkj ls çfrHkwfr;ksa dks ifjofrZr ugha v/kh{k.k] funsZ'ku vkSj çca/ku dk dkuwuh LokfeRo djsxk A gksrk gS vkSj U;kl ds mís'; ls lacaf/kr ;k çklafxd lHkh 'kfä;ka] vf/kdkj vkSj foosd iwjh rjg ls ¼14½ çfrHkwfr;ksa dk vfHkj{kd ,slh fjiksVksaZ vkSj U;kfl;ksa esa fufgr gksrs gSa] fQj Hkh ;g ih,QvkjMh, fooj.kksa dks isa'ku fuf/k vFkok jk"Vªh; isa'ku vf/kfu;e&2013] Hkkjrh; U;kl vf/kfu;e &1882] ç.kkyh U;kl vFkok çkf/kdj.k vFkok vU; ,uih,l U;kl vuqca/k ds çko/kku vkSj vkxs ,sls e/;ofrZ;ksa dks çkf/kdj.k }kjk le;&le; ij funsZ'kksa ;k fn'kkfunsZ'kksa ds v/khu gS] tks le;&le; fofufnZ"V vFkok le>kSrs esa fofufnZ"V varjkyksa ij ih,QvkjMh, }kjk tkjh fd, tk ldrs gSaA ij rFkk ,slh jhfr esa çsf"kr djsxk A gkykafd] ykHkdkjh fgr ges'kk ,uih,l U;kl ds ¼15½ çfrHkwfr;ksa dk vfHkj{kd [kkrk cfg;ksa] iqLrdksa] ykHkkfFkZ;ksa ds ikl gh jgsxkA vfHkys[kksa vkSj nLrkostksa dk leqfpr fuekZ.k 31 ekpZ] 2022 rd ds vuqlkj ,uih,l U;kl cksMZ djsxk vkSj mlds ikl vius fu;a=.k] ç.kkfy;ksa] ds U;kfl;ksa dk fooj.k fuEufyf[kr rkfydk esa iznku çfØ;kvksa rFkk j{kksik;ksa ds iqufoZys[k] fujh{k.k fd;k x;k gS vkSj ewY;kadu ds ç;kstukFkZ i;kZIr ra= gksxkA Rkkfydk la- 3-50% 31 ekpZ] 2022 rd ds vuqlkj ¼16½ çfrHkwfr;ksa dk vfHkj{kd vkarfjd laijh{kd ,uih,l U;kl cksMZ ds U;kfl;ksa dk fooj.k ds }kjk frekgh vk/kkj ij ys[kk cfg;ksa dh laijh{kk djk,xk vkSj vkfLr;ksa vFkok isa'ku Ø-la uke in fuf/k;ksa ds dkjckj ls lEcaf/kr mlds fu"d"kZ 1 Jh vruq lsu v/;{k vkSj dks çkf/kdj.k vFkok jk"Vªh; isa'ku ç.kkyh U;kl U;klh dks ;FkkfofufnZ"V laijh{kk dh frfFk ls rhl fnu ds i'pkr~ tek djk,xk A 2 Jh lq/khj “;ke U;klh 3 Jh #fpj feÙky U;klh ¼17½ çfrHkwfr;ksa dk vfHkj{kd jk"Vªh; isa'ku ç.kkyh U;kl dks çLrkfor lsokvksa vkSj fofHkUu 4 MkW- ih-lh t¶Qj U;klh fØ;kdykiksa ds fy, fdlh Hkh fofu;ked] 5 Jh ts-ds “kekZ U;klh çkf/kdj.k] lek'kks/ku fudk;] fofue; vFkok 6 Jh fnus”k dqekj esgjks=k U;klh fu{ksikxkj }kjk ykxw lHkh fu;eksa] fofu;eksa ifji=ksa vFkok ekxZn'kZd fl)karksa ds vuqlkj 7 Jh jk/kkÑ’.ku uS;j U;klh dk;Z djsxk A 8 Jh latho pkuuk U;klh 3-14-8 jk"Vªh; isa'ku ç.kkyh U;kl 9 Jh lwjtHkku U;klh ¼d½ ,uih,l U;kl dh LFkkiuk dsaæ ljdkj ds i= 10- Jh okbZ osadVjko U;klh Mhvks uacj 5¼75½@2006&bZlhch vkSj ihvkj fnukad 11- lqJh fp=k t;flEgk U;klh 24 vçSy 2007 ds vuqlkj dh xbZ FkhA ih,QvkjMh, U;kl dk laLFkkid gS vkSj ih,QvkjMh, }kjk ¼[k½ ,uih,l U;kl }kjk ,uih,l fuf/k dk ,uih,l U;kl vuqca/k dk fu"iknu 27 Qjojh] 2008 çca/ku dks gqvk FkkA ,uih,l U;kl ds uke ij /kkfjr vfHknkrkvksa dh ykHkkfFkZ;ksa ¼vfHknkrkvksa½ ds ykHk ds fy, ,uih,l ds ,uih,l fuf/k dk çca/ku U;klh cksMZ dh vksj ls rgr laifÙk vkSj /ku j[kus ds fy, ,uih,l U;kl lkr fu;qä isa'ku fuf/k;ksa }kjk fd;k tkrk gS rkfd dh LFkkiuk vkSj xBu fd;k x;k gSA U;kfl;ksa ds vfHknkrkvksa ds fgr esa ,uih,l U;kl ds mís';ksa dks 122okf"kZd fooj.k - 2021-22 iwjk fd;k tk ldsA ,uih,l U;kl }kjk =Sekfld • M‚- ih-lh- tkQj & U;klh ¼dukZVd jkT; vk/kkj ij isa'ku fuf/k;ksa ds fu"iknu dh leh{kk dh ljdkj }kjk euksuhr½ tkrh gS vkSj vfHknkrkvksa ds fgrksa dh j{kk ds fy, • Jh ts-ds- 'kekZ & U;klh ¼e/; çns'k jkT; mUgsa funsZ'k@ekxZn'kZu fn;k tk jgk gSA ljdkj }kjk euksuhr½ ¼x½ ,uih,l U;kl 'kqYd@izHkkj dk;Zdky dk foLrkj& ,uih,l U;kl dks fu;fer :i ls e/;LFk bdkbZ;ksa • Jh lwjtHkku ds i;Zos{k.k vkSj fuxjkuh ds fy, vf/kdkj fn;k x;k gS vkSj jktLo dh fu;fer /kkjk ds lkFk ,d ¼bZ½ fofu;e vkSj la'kks/ku% vkRefuHkZj bdkbZ gksuk bldh vfuok;rZ k gAS blfy,] ,uih,l U;kl }kjk 'kYq d@iHz kkj vkjkfsir dju s dh ikzf/kdj.k }kjk jk’Vªh; i”as ku i.z kkyh U;kl dh LFkkiuk] leh{kk dh xb Z g S vkjS rnulq kj ih,QvkjMh, d s ckMs Z drOZ;k as vkjS dkedkt d s fy,] ih,QvkjMh, ¼,uih,l u s nfSud miktuZ vk/kkj ij çc/a ku d s rgr ifjlia fÙk VªLV½ fofu;eu 2015 d s fu;ked <kpa s vkjS mlds ¼,;,w e½ d s 0-005% çfr o"k]Z 'kYq d@çHkkj dk s fQj ls l'a kk/s kuk as dk s vf/klfwpr fd;k x;k g S vkjS le;&le; 'k:q dju s dk fu.k;Z fy;k gAS ij fn'kk&fun'Zs k] ifji= vkfn tkjh fd, x,A foÙkh; o"k Z d s nkjS ku] ih,QvkjMh, ¼,uih,l U;kl½ fofu;e] ¼?k½ fu;qfä vkSj dk;Zdky dk foLrkj 2015 vkjS mld s l'a kk/s kuk as dh ,uih,l U;kl dh Hkfwedkvk as vkjS ftEens kfj;k as e as mHkjr s ifjoruZ k as ds ih,QvkjMh, ¼,uih,l U;kl½ fofu;e] 2015 vkSj vkykds e as tkpa dh xb]Z ftld s vulq kj ,uih,l mlds la”kks/kuksa ds rgr U;kfl;ksa dh fu;qfä fnukad U;kl e[q ; :i l s xfrfof/k;k]as i'as ku QMa ] dLVkfsM;u] 12-01-2018 ds vuqlkj] jkT; ljdkjksa }kjk nks U;kfl;ksa U;klh cdaS dh fuxjkuh vkjS lhvkj, d s fudkl vkjS dks bl çdkj ukfer fd;k tkuk pkfg, ftlesa ,sls iRz ;kgj.k dk;k asZ d s fy, mÙkjnk;h gk s ldrk gAS O;fä;ksa dks çkjafHkd ojh;rk nh tk,] ftl jkT; esa ,uih,l ds rgr vf/kdre vfHknkrk gSa] mlds ckn mijksä dks /;ku esa j[krs gq,] ih,QvkjMh, ¼,uih,l ,slk jkT; ftlesa ,uih,l ds rgr çca/ku ds v/khu U;kl½ ¼la'kks/ku½ fofu;e] 2021 dks fnukad 14-06-2021 vf/kdre laifÙk gSA U;kfl;ksa dk dk;Zdky dsoy 3 ls vf/klwfpr fd;k x;k FkkA çeq[k ifjorZuksa vkSj o"kZ dk gksrk gS vkSj mlds ckn bls jkT; ljdkjksa izeq[k dkj.kksa ds ewy va'k fuEufyf[kr gSa& ds chp vkxs c<+k;k tkuk pkfg,] rkfd çR;sd jkT; izeq[k ifjorZu % ljdkj dqN le; ds fy, çfrfuf/kRo dj ldsA lkFk gh] dsaæ ljdkj ds foHkkxksa@lh,ch esa ls nks 1- ^^,uih,l U;kl dh laifÙk dh ifjHkk"kk** dk U;klh dsaæ ljdkj }kjk ¼,d Mh,Q,l ds ek/;e ls ifjp;A vkSj ,d MhvksihihMCY;w ds ek/;e ls½ ukfer fd, 2- daiuh vf/kfu;e 1956 dk uke daiuh vf/kfu;e tkus gSaA foÙkh; o"kZ ds nkSjku] ,uih,l U;kl ds 2013 ls cny fn;k x;k] tgka dgha ykxw gksA ekStwnk dk;Zdky ds fy, fuEufyf[kr U;kfl;ksa dh fu;qfä;ka@foLrkj fd, x,%& 3- ,uih,l U;kl dks u dsoy rhljs i{k ds ekeyksa esa vfirq lHkh ekeyksa esa xksiuh;rk fu;qfä& cuk, j[kus dh vko';drk gSA • Jh- lq/khj ';ke ¼Mh,Q,l] foÙk ea=ky;] Hkkjr 4- e/;LFk] ftuds lkFk ,uih,l U;kl fuxjkuh ljdkj }kjk euksuhr½ djsxk] ,uih,l U;kl ds dk;ksaZ dks ifjHkkf"kr@ Jh- #fpj feÙky ¼MhvksihihMCY;w] dkfeZd] yksd fufnZ"V fd;k x;k Fkk] dsoy isa'ku fuf/k] f'kdk;r vkSj isa'ku ea=ky;] Hkkjr ljdkj }kjk euksuhr½ 123Hkkx&III U;klh cSad] vfHkj{kd vkSj dsaæh; vfHkys[kiky çfrHkkfx;k as d s fy, ,d mi;äq fuo's k iVS u Z dk p;u vfHkdj.kksaa ds fy, fudkl vkSj fudklh ls egRoi.w k Z gAS Hkkjr] ftl s foÙkh; lk{kjrk e as de ekuk lacaf/kr dk;ksaZ ds fy, çfrcaf/kr@fufnZ"V fd;k tkrk g]S los kfuof`Ùk d s fu.k;Z k as d s lca /a k e as foÙkh; x;k FkkA lykg dh ,d okLrfod vko';drk dk s çnf'krZ djrk gAS los kfuof`Ùk lykgdkj miHkkäs kvk as dk s fuo's k vkjS 5- lHkh fcpkSfy;ksa ds lapkyu esas leUo; ds fy, i&s vkmV fodYik as dh cgs rj le> d s fy, ekxnZ 'kuZ ,uih,l U;kl dks ,d uksMy fcanq ds :i ls vkjS lgk;rk dju s e as egRoi.w k Z Hkfwedk fuHkk jg s gAaS gVkukA ;g isa'ku fuf/k] U;klh cSad] vfHkj{kd bld s fy, cktkj lgHkkfx;k as d s fy, los kfuof`Ùk vkSj dsaæh; vfHkys[kiky vfHkdj.kksasa ds fudkl x.q koÙkk e/;LFkrk d s fy, los kfuof`Ùk lykg vkjS vkSj izR;kgj.k ls lacaf/kr dk;ksZ rd gh lhfer mi;äq i'as ku@cpr mRikn puq u s e as lgh dk'S ky vkjS gSA fo'k"skKrk j[ku s oky s ekuo lla k/kuk as d s ,d iyw ds 6- ,uih,l U;kl }kjk 'kqYd ladyu vkSj [kpksaZ fodkl dh vko';drk gAS dh çfriwfrZ dh ns[kHkky ds fy, u, çko/kkuksa varjjk"Vªh; vuqHko vkSj laxfBr vkSj vlaxfBr Jfedksa dh 'kq:vkrA dh Hkkjrh; ç.kkyh dh t:jrksa dks /;ku esa j[krs 7- U;klh dh fu;qfä ds fy, tkjh fn'kkfunsZ'kksa ds gq,] lsokfuo`Ùk vkcknh ds fgrksa dh j{kk ds fy, vkSj vuq:i U;klh dh vf/kdre vk;q 70 o"kZ j[kh vf/kd egRoiw.kZ :i ls] fjVuZ esa fofHkUu fodYiksa dh xbZ gSA de le> ls mRiUu gksus okys uqdlku ds tksf[ke dks 8- ,uih,l U;kl dks mifLFkfr vfLrRo vkSj de djus ds fy, ,uih,l] ih,QvkjMh, us us'kuy ladyudrkZ dh mfpr lko/kkuh vkSj lrdZrk baLVhVîwV v‚Q flD;ksfjVht ekdsZV~l ¼,uvkbZ,l,e½ xfrfof/k;ksa dk lapkyu djus dh vko';drk dks lsokfuo`fÙk lykgdkj çek.ku ijh{kk ds çek.ku ugha gksxhA ds fy, ekU;rk çkIr laLFkku ds :i esa ekU;rk nh gSA 9- okf"kZd if=dkvksa dks çLrqr djus dh le;&lhek esa foLrkj ds fy, çko/kku 'kq: fd;k x;kA lsokfuo`fÙk lykgdkj dh ik=rk] iathdj.k çfØ;k] 10- fofu;e ds rgr dqN çko/kkuksa ds ekeys esa “kqYd vkfn ds fy, ,d <kapk çnku djus vkSj isa'ku Li"Vhdj.kA {ks= ds Øfed fodkl dks lqfuf'pr djus ds fy, lsokfuo`fÙk lykgdkj ds dk;Z vkSj ftEesnkjh ds 3-14-9 lsokfuo`fÙk lykgdkj nk;js dks ifjHkkf"kr djus ds mís'; ls ih,QvkjMh, ,uih,l dh lykg çnku djus dh xfrfof/k esa }kjk isa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k layXu gksus ds fy, ih,QvkjMh, }kjk lsokfuo`fÙk ¼lsokfuo`fÙk lykgdkj½ fofu;e] 2016 dks vf/klwfpr lykgdkj¼jksa½ dh fu;qfä dh tkrh gS] ftlls ,uih,l fd;k x;k FkkA dh igqap dk foLrkj fd;k tk ldsA vkj,,l ,d 3-14-10 çkf/kdj.k }kjk isa'ku ds {ks= esa fd, O;fäxr] iath—r lk>snkjh fudk;] d‚iksZjsV fudk; x, vU; dk;Z ;k dksbZ iath—r U;kl ;k lekt gks ldrk gSA vkj, ds :i esa ,d O;fä@laLFkk ds iathdj.k dh lqfo/kk 1- VkpZ ds fy, lhvkj, ç.kkyh esa v‚uykbu eap fodflr vkSj tkjh fd;k x;k gSA ih,QvkjMh, dh çkS|ksfxdh lajpuk dks fctusl LVªSVsftd eSustesaV dalYVsaV ds lkFk lk>snkjh esa ifjHkkf"kr&ykHk ;kstukvksa ls ifjHkkf"kr&va”knku ;kstukvk as e as i'as ku ç.kkfy;k as e as cnyko d s lkFk] tgka j.kuhfrd cuk;k x;k gSA VkpZ dks ih,QvkjMh, O;fä;k as dk s foÙkh; fu.k;Z yus s vkjS vf/kd foÙkh; esa rduhd ds mi;ksx dks cnyus dh fn'kk esa lHkh tkfs[ke mBku s dh vko';drk gkrs h g]S i'as ku ;kts uk fgr/kkjdksa ds lkFk O;kid ijke'kZ ds ckn fMtkbu 124okf"kZd fooj.k - 2021-22 fd;k x;k gS A VkpZ esa 4 çeq[k e‚Mîwy 'kkfey djsxkA pwafd lhvkj, ,uih,l lajpuk esa dsaæ fcanq gSa & MsVk fo'ys"k.k][REGTECH vkSj SUPTECH] gS] blfy, ;g ifjdYiuk dh xbZ gS fd lhvkj, vkarfjd fMftVyhdj.k vkSj fuos'kd tkx:drkA e‚Mîwy ds çn'kZu vkSj xq.koÙkk dks c<+kus ls ,uih,l esa vfHknkrkvksa ds lkFk&lkFk vU; e/;LFkksa ds lexz d- ih,QvkjMh, u s ih,QvkjMh, çkS|kfsxdh lja puk mi;ksxdrkZ vuqHko esa lq/kkj gksxkA dh ifjdYiuk] fodkl@vuqdyw u] dk;kZUo;u vkSj j[kj[kko d s fy, flLVe bVa hxVzs lZ l s #fp 5- lwpuk lkbcj lqj{kk vuqikyu dh fuxjkuh vkSj dh vfHkO;fä vkefa=r dh gSA leh{kk dh] rkfd ;g lqfuf'pr fd;k tk lds fd e/;LFkksa dh lkbcj lqj{kk uhfr dk vuqikyu vkSj [k-- VkpZ ifj;kstuk ds dk;kZUo;u ds fy, ekxZn'kZu frekgh vuqikyuA ;g ,uih,l iz.kkyh ds çn'kZu vkSj buiqV ds fy, ckgjh fo'ks"kKksa ds lkFk vkSj lqj{kk eqæk esa lq/kkj gqvk gSA rduhdh lykgdkj lfefr dk xBu fd;k x;k gSA 6- lkbcj lqj{kk uhfr dh leh{kk 2- ,uihih odZ Ý‚e gkse dh lekurk vkSj mHkjrh çkS|ksfxfd;ksa ds c<+rs çlkj ds lkFk] lkbcj [krjs dk ifj–'; ,uih,l çksLisfjVh Iykuj dh ladYiuk vfHknkrkvksa fodflr gks jgk gSA bldk laKku ysrs gq,] & dks muds ;ksxnku dks c<+kus ds fy, çsfjr djus ds ih,QvkjMh, lkbcj lqj{kk eqæk dks etcwr djus ds mís'; ls dh xbZ gSA ;g ,d vuqdwfyr e‚Mîwy fy, vkarfjd ¼ih,QvkjMh,½ vkSj e/;LFkksa ¼fofu;fer gS ftls vfHknkrkvksa ds lhvkj, y‚fxu esa cuk;k laLFkkvksa½ ds fy, lkbcj lqj{kk uhfr ds la'kks/ku esa tkuk gS rkfd ,uih,l ds çfr –f"Vdks.k esa cnyko yxk gqvk gSA bldk mís'; lfØ; vkSj fuokjd yk;k tk lds ftls ^VSDl lsfoax baLVªwesaV ds ctk; uhfrxr mik;ksa dks çkFkfedrk nsuk gSA ^o`)koLFkk vk;* ;kstuk lk/ku ekuk tkrk gSA 7- DykmM vaxhdj.k fn'kkfunsZ'k 3- yksdiky bZ&vihy iksVZy dk fodkl laiw.kZ foÙk {ks= esa DykmM vaxhdj.k rsth ls vkn'kZ vfHknkrkvksa dks yksdiky vihy nk;j djus esa lqfo/kk cu jgk gS] vkSj ;g ,uih,l e/;LFk bdkbZ;ksa esa vkSj ,d etcwr f'kdk;r fuokj.k çfØ;k lqfuf'pr Hkh DykmM LFkkukarj.k ds c<+rs vuqjks/kksa ds lkFk djus ds fy,] bZ&vihy e‚Mîwy fodflr fd;k tk ifjyf{kr gksrk gSA DykmM dks viukus ds lkFk vkus jgk gS ftls ih,QvkjMh, dh osclkbV ij 'kkfey okyh pqukSfr;ksa dks /;ku esa j[krs gq, vkSj visf{kr fd;k tk,xkA e‚Mîwy esa ,d mi;ksxdrkZ ds vuqdwy lko/kkuh ds lkFk çkS|ksfxdh dks viukus dh lqfo/kk baVjQsl gksxk vkSj yksdiky dks vihyksa dks VªSd ds fy,] ih,QvkjMh, fofu;fer laLFkkvksa ds fy, djus vkSj mudk tokc nsus ds fy, ,d ,evkbZ,l DykmM vaxhdj.k fn'kkfunsZ'kksa ds fodkl ij dke çnku djsxkA dj jgk gSA 4- ;wvkbZ@;w,Dl vkSj vuqç;ksx fu"iknu 8- ç[;kr oäkvksa ls mHkjrh rduhdksa ij ys[kkijh{kk lqizfl) oDrkvksa }kjk l= ,uih,l ;wtj baVjQsl dks vfHknkrkvksa ds fy, ih,QvkjMh, us lhbZvkjVh&bu tSls çeq[k laLFkkuksa vkd"kZd vkSj vklku cukus ds mís'; ls ;wvkbZ@;w,Dl ds lkFk lk>snkjh esa dSlilZdh ds xse vk/kkfjr vkSj ,Iyhds'ku ijQ‚esaZl v‚fMV dh ;kstuk cukbZ fleqys'ku e‚Mîwy ds ek/;e ls ih,QvkjMh, ds tk jgh gSA ;g v‚fMV lhvkj, }kjk çnku fd, vf/kdkfj;ksa ds fy, lkbcj lqj{kk tkx:drk çf'k{k.k x, lHkh fMftVy e‚Mîwy vkSj baVjQsl dks 'kkfey 125Hkkx&III vk;ksftr fd;kA blds vykok] DykmM eap ij Kku tkx:drk ls ySl djus ds fy, /kks[kk/kM+h dks le)` dju]s mudh vo/kkj.kk vkjS dk; Z djus ds f[kykQ lko/kkuh ij la'kksf/kr uksfVl tkjh d s fy, vets Wu ocs lfolZ ts vkjS xxw y DykmM dks fd;k x;k FkkA ;g uksfVl lkbcj /kks[kk/kM+h ds 'kkfey djd s ih,QvkjMh, d s vf/kdkfj;k as d s fy, ekeys esa miyC/k f'kdk;r fuokj.k ds rjhdksa DykmM VDs ukys ‚th ij l= vk;kfstr fd;k x;k FkkA ds ckjs esa Hkh tkudkjh çnku djrk gSA mHkjrh çk|S kfsxfd;k as ij O;k[;ku nus s d s fy, fo'k"skKka s 12- ih,QvkjMh, }kjk fofu;fer ,uih,l ç.kkyh dk s oäkvk as d s :i e as vkefa=r fd;k x;k FkkA esa jk"Vªh; egRoiw.kZ lwpuk volajpuk ds :i esa 9- lhvkj, dh ,l,y, leh{kk lhvkj, vkSj ih,Q dh igpku vkSj ewY;kaduA dsaæh; vfHkys[kiky vfHkdj.kksa ds lsok Lrj ds 13- lhvkj, ds fMtkLVj fjdojh fMªy us le>kSrksa dh leh{kk djus ds fy,] ifjorZu çca/ku] ih,QvkjMh, dh vkof/kd lykg ds vk/kkj ij ?kVuk çca/ku vkfn dks 'kkfey djus ds fy, ,l,y, lhvkj, flLVe dh yphykiu {kerk esa o`f) dks v|ru djus ds fy, igy dh xbZ gS rkfd dh gSA e‚Mîwy ds Rofjr fodkl dks lqfuf'pr fd;k tk 14- lkbcj lqj{kk dk fØ;kUo;u % & lds] le; ij <ax ls e‚Mîwy ds çn'kZu esa eqíksa dk fuokj.k fd;k tk lds vkSj dq'ky lsok lqfuf'pr LFkk;h lfefr lwpuk ç.kkyh] çkS|ksfxdh vkSj lkbcj dh tk ldsA lqj{kk eqíksa] çca/ku lwpuk ç.kkyh ¼,evkbZ,l½] i;Zos{kh vkSj fu;ked eapksa ds fodkl] foÙkh; çkS|ksfxfd;ksa 10- laidZ ds u, voljksa vkSj pqukSfr;ksa] fu;ked çkS|ksfxfd;ksa] çs"kd vkbZMh ^ih,QvkjMh,vkbZ* ds rgr ih,QvkjMh, lkbcj lqj{kk@ç.kkyh@lwpuk lqj{kk dh çfØ;kvksa dks ds uke ls lans'k Hkstus ds fy, ,uvkbZlh,lvkbZ etcwr djus] ,uih,l lajpuk ds rgr ih,QvkjMh, dh laidZ ,l,e,l lapkj lsok,a yxh gqbZ gSaA bl vkSj fcpkSfy;ksa dh ys[kkijh{kk ij lykg nsxhA igy ds rgr] dbZ vfHknkrkvksa ds tkx:drk lans'kksa o ih,QvkjMh, us lwpuk] ç.kkyh vkSj çkS|ksfxdh dk lapkj fd;k x;k gSA laidZ dk mi;ksx yf{kr vkSj lkbcj lqj{kk ¼vkbZ,lVh ,aM lh,l½ ij vfHknkrkvksa dks losZ{k.kksa ds fyad ds lkFk lans'k ,d LFkk;h lfefr dk iquxZBu fd;k gS vkSj Hkstdj ,ihokbZ losZ{k.k djus ds fy, Hkh fd;k x;k rsth ls rduhdh ifjorZuksa vkSj lkbcj tksf[ke gSA eSlsftax IysVQ‚eZ dh lgk;rk ls] ih,QvkjMh, vkSj vkSj rsth ls rduhdh ifjorZu vkSj lkbcj rqjar v|ru tkudkjh Hkstdj okf"kZdh lk{kjrk tksf[ke ij utj j[kus vkSj vfHknkrkvksa ds dk;ZØeksa ¼,,yih½ esa vfHknkrkvksa dh Hkkxhnkjh c<+kus fgrksa dh j{kk ds fy, foÙkh; {ks= ij blds esa l{ke gqvk gS A çHkko ij utj j[kus ds fy, ^^isa'ku fQuVsd buksos'ku ,aM MsoyiesaV] baQ‚esZ'ku baÝkLVªDpj 11- vfHknkrk tkx:drk ,aM lkbcj flD;ksfjVh^^ dk uke cny fn;kA fQf'kax vkSj eksckby fMokbl lqj{kk tSls lkbcj ih,QvkjMh, us ,uih,l lajpuk esa vkarfjd [krjksa ij ikBdksa dks Kku ls ySl djus ds fy, vkSj ckgjh lkbcj lqj{kk uhfr;ksa vkSj eqíksa ls lacaf/kr lHkh lwpukvksa vkSj lkbcj lqj{kk ^lkbcj lqj{kk tkx:drk* fo"k; ij isa'ku lkbcj ds çca/ku ds fy, lwpuk vkSj lkbcj lqj{kk] Li‚VykbV & [kaM 2 tkjh fd;k x;k FkkA vFkkZr~ lwpuk vkSj lkbcj lqj{kk & vkarfjd b- tkylktksa }kjk bLrseky dh tkus okyh fofHkUu rFkk lwpuk vkSj lkbcj lqj{kk & ckgjh ds fy, dk;Zç.kkyh ij vke turk dks vko';d nks foHkkx Hkh cuk, gSaA 126okf"kZd fooj.k - 2021-22 o ih,QvkjMh, us CERT&In tSls çeq[k j[krs gq,] ih,QvkjMh, us ,uih,l ds lqjf{kr laLFkkuksa ds lkFk lk>snkjh esa] ds lapkyu dks lqfuf'pr djus ds fy, fcpkSfy;ksa Kaspersky xse&vk/kkfjr fleqys'ku e‚Mîwy ds ek/;e ls dh usVodZ volajpuk ;kstukvksa dk vkdyu ih,QvkjMh, ds vf/kdkfj;ksa ds fy, lkbcj fd;k gSA lqj{kk tkx:drk çf'k{k.k dk vk;kstu fd;kA o ih,QvkjMh, dsaæh; fjd‚MZ dhfiax ,tsafl;ksa lkFk gh] ih,QvkjMh, ds vf/kdkfj;ksa ds fy, vkSj isa'ku fuf/k;ksa ds chp egRoiw.kZ e/;LFkksa DykmM IysVQ‚eZ] mudh vo/kkj.kkvksa vkSj dk jk"Vªh; egRoiw.kZ lwpuk volajpuk ds muds dke ij Kku dks le`) djus ds fy, :i esa ewY;kadu vkSj oxhZ—r djus ds fy, DykmM lfoZl çksokbMlZ dks 'kkfey djds ,ulhvkbZvkbZihlh ds lkFk ppkZ esa yxk gqvk DykmM VsDuksy‚th ij ,d l= vk;ksftr gSA fd;k x;k FkkA ih,QvkjMh, us ISEA ds ,d fo'ks"kK ds lg;ksx ls ,d lwpuk lqj{kk ih,QvkjMh, us fofHkUu lkbcj lqj{kk ls lacaf/kr tkx:drk l= dk vk;kstu fd;kA lfefr;ksa esa Hkh Hkkx fy;k] tSls lwpuk vkSj lkbcj lqj{kk ij varj&fu;ked cSBdsa] lkbcj o Ikh,QvkjMh, lkbcj lqj{kk ds {ks= esa ubZ lqj{kk vkSj eksckby Hks|rk ij dk;Z lewg] vkSj igy djrk gS ftlesa çkstsDV VkpZ] yksdiky Cy‚d psu tSlh mHkjrh çkS|ksfxfd;ksa ij foÙkh; bZ&vihy iksVZy dk fodkl] vkSj ,uih,l {ks= esa lq/kkj ds fy, rduhdh buiqV TkSls& le`f) ;kstukdkj lfgr ubZ ifj;kstuk,a CykWd psu] vkbZvksVh] vkfVZfQf'k;y baVsfytsal] 'kkfey gSaA e'khu yfuaZx] fQuVsd] lqijVsd] jsxVsd] vkfn o ih,QvkjMh, fcpkSfy;ksa dh lkbcj lqj{kk iznku fd,A uhfr vkSj frekgh vuqikyu dk vuqikyu 15- jsxqysVjh lSaMc‚Dl ds ek/;e ls fQuVsd%& lqfuf'pr djus ds fy, lwpuk lkbcj lqj{kk foÙkh; {k=s e as rduhdh çxfr vkSj uokpkjk as ds vuqikyu dh fuxjkuh vkSj leh{kk djrk gSA dkj.k Hkkjh cnyko vk;k gSA ,d fu;ked blus ,uih,l iz.kkyh ds çn'kZu vkSj lqj{kk lMSa c‚Dl ,d fu;ked }kjk LFkkfir ,d <kpa k fLFkfr esa lq/kkj fd;k gSA lkbcj @ vkbZVh gS tk s fQuVds LVkVZ&vi vkSj vU; uokUs e"s kdkas v‚fMV% lkbcj [krjksa ds f[kykQ ,uih,l dk s ,d fu;ked dh n[s kj[s k e as fu;fa=r dks vf/kdre lqj{kk lqfuf'pr djus ds fy, okrkoj.k e as ykbo ç;kxs dju s dh vuqefr nrs k ih,QvkjMh, ds fcpkSfy;ksa dh lkbcj lqj{kk gSA mijkäs dk s /;ku e as j[kr s gq,] ih,QvkjMh, v‚fMV fjiksVZ dh leh{kk dh xbZA lhvkj, ds vkbZvkjVhth&vkbZvkvs kj,l dk lnL; gS vkSj fMtkLVj fjdojh fMªYl us ih,QvkjMh, dh ,d lqjf{kr vkSj fu;fa=r okrkoj.k e as i'as ku {k=s vkof/kd lykg ds vk/kkj ij lhvkj, iz.kkyh d s fy, foÙkh; çkS|kfsxdh ¼fQu Vds ½ d s fodkl ds yphykiu laca/kh {kerk esa o`f) dh gSA dk s c<k+ok nus s d s fy, th,QvkbZ,u dk lnL; o laiw.kZ foÙkh; {ks= esa DykmM vaxhdj.k rsth cuu s d s fy, vkons u çLrqr fd;k gSA ls vkn'kZ curk tk jgk gS] vkSj ;gh ckr o IRTG&IORS: foÙkh; fLFkjrk vkSj fodkl ,uih,l baVjehfM;jht esa Hkh fn[kkbZ nsrh gS] ifj"kn mi&lfefr ¼FSDC&SC½ us fQuVsd ij ftlesa DykmM esa LFkkukarj.k ds fy, vuqjks/k foÙkh; {ks= ds fu;kedksa ds chp varj&fu;ked c<+ jgs gSaA DykmM dks viukus vkSj visf{kr leUo; dh lqfo/kk ds fy, fQuVsd ¼fQuVsd ij lko/kkuh ds lkFk çkS|ksfxdh dks viukus dh IRTG½ lacaf/kr eqn~nksa ij ,d varj&fu;ked lqfo/kk ds lkFk vkus okyh pqukSfr;ksa dks /;ku esa rduhdh lewg dh LFkkiuk dks eatwjh nh FkhA 127Hkkx&III • fQuVsd ij vkbZvkjVhth esa vkfFkZd dk;Z GFIN: & Xykscy Qkbusaf'k;y buksos'ku usVodZ foHkkx ¼MhbZ,½] foÙk ea=ky; ¼,evks,Q½ vkSj ¼'GFIN'½ dks vkSipkfjd :i ls foÙkh; fu;ked bysDVª‚fuDl vkSj lwpuk çkS|ksfxdh ea=ky; çkf/kdj.k ¼'FCA'½ lfgr foÙkh; fu;kedksa vkSj ¼,ebZvkbZVhokbZ½] Hkkjr ljdkj] izR;sd ds ,d lacaf/kr laxBuksa ds ,d varjjk"Vªh; lewg }kjk izfrfuf/k lfgr vU; foÙkh; {ks= ds fu;kedksa] tuojh 2019 esa y‚Up fd;k x;kA GFIN tSls Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼lsch½] dh ns[kjs[k leUo; lewg }kjk dh tkrh gS] Hkkjrh; chek fu;ked vkSj fodkl çkf/kdj.k ftldh v/;{krk orZeku esa FCA }kjk dh tk ¼vkbZvkjMh,½ vkSj isa'ku fuf/k fofu;ked vkSj jgh gSA GFIN miHkksäkvksa ds fgrksa esa foÙkh; fodkl çkf/kdj.k ¼ih,QvkjMh,½ ds lkFk uokpkj dk leFkZu djus ds fy, çfrc) 60 çfrfuf/kRo gSA ls vf/kd laxBuksa dk ,d usVodZ gSA • lewg us ekud lapkyu çfØ;k ¼,lvksih½ rS;kj GFIN uoksUes"kh QeksaZ dks fu;kedksa ds lkFk ckrphr djus dh lqfo/kk ds fy, gkbfczM mRiknksa@ djus ds fy, ,d vf/kd dq'ky rjhdk çnku lsokvksa ds fy, baVj&v‚ijsVscy vkj,l * ra= djuk pkgrk gS] ftlls mUgsa ns'kksa ds chp dks fopkjkFkZ fo’k;ksa ij ppkZ@ fopkj&foe'kZ usfoxsV djus esa enn feyrh gS D;ksafd os u, djus ds fy, cSBdsa vk;ksftr dhaA fopkjksa dks ekirs gSaA blesa lhek&ikj ijh{k.k djus dh {kerk 'kkfey gS & ,d ls vf/kd • IoRS ,d ls vf/kd foÙkh; {ks= ds fu;ked ds vf/kdkj {ks= esa uohu mRiknksa] lsokvksa ;k fu;ked nk;js esa vkus okys uohu ladj foÙkh; O;kolkf;d e‚My dk ijh{k.k djus dh bPNk mRiknksa@lsokvksa ds ijh{k.k dh lqfo/kk ds fy, j[kus okyh QeksaZ ds fy, ,d lek/kkuA bldk ,d ra= gSA uoksUes"kdksa dh vko';drk dks mís'; uokpkj ls lacaf/kr fo"k;ksa ij foÙkh; lekIr djus ds fy, ] muds gkbfczM mRikn lsok fu;kedksa ds chp lg;ksx ds fy, ,d ds laca/k esa fofHkUu fu;kedksa ds lkFk tqM+us u;k <kapk rS;kj djuk] fofHkUu vuqHkoksa vkSj ds fy,] ,d lkekU; foaMks miyC/k djkbZ tk –f"Vdks.kksa dks lk>k djuk gSA ldrh gSA lHkh fu;ked viuh osclkbV ij vkbZvksvkj,l dk fooj.k çdkf'kr djsaxs vkSj O;kid çpkj Hkh djsaxsA 128okf"kZd fooj.k - 2021-22 Hkkx IV 4-1 isa'ku lykgdkj lfefr dh dk;Ziz.kkyh 1- 16oha ih,lh cSBd ds dk;Zo`Ùk ih,QvkjMh, vf/kfu;e dh /kkjk 45 isa”ku lykgdkj 2- 16oha ih,lh cSBd ds dk;Zo`Ùkksa ij dk;Z izxfr lfefr ds xBu dh ppkZ djrh gS] ftlesa deZpkfj;ksa] fjiksVZ la?kksa] vfHknkrkvksa rFkk okf.kT; rFkk mn~;ksx] e/;LFk 3- ,Ukih,l futh {ks= ds rgr mifLFkfr vfLrRoksa bdkbZ;ksa rFkk isa”ku vuqla/kku esa layXu laxBu ls ds fy, “kqYd@izHkkj lajpuk dh leh{kk vH;kosnu izkIr gksrs gSa] tks izkf/kdj.k dks fofu;e 4- ,uih,l vfHknkrkvksa }kjk vkfLr vkoaVu esa cukus ls laca/kh ekeyksa ;k mlls lacaf/kr ekeyksa ij ifjorZu lykg nsa A lanfHkZr o’kZ ds nkSjku] isa”ku lykgdkj lfefr dk jktif=r vf/klwpuk fnukad 16 flracj 4-2 fofu;e fufeZr ;k la'kksf/kr 2021 ¼vuqyXud & I½ ds ek/;e ls iquxZBu fd;k foÙk o’kZ 2021&22 ds nkSjku fofu;ked fodkl ls x;k Fkk vkSj fnukad 11 vxLr] 2021 vkSj 04 tuojh] lacaf/kr lwpuk fuEukuqlkj gS % 2022 dks ubZ fnYyh esa isa”ku lykgdkj lfefr dh 16oha rFkk 17oha cSBd vk;ksftr dh xbZA foÙk o’kZ 2021&22 ds nkSjku fuEufyf[kr la”kks/ku fuEukuqlkj gS% 1- 15oha isa”ku lykgdkj lfefr ¼ih,lh½ cSBd ds dk;Zo`Ùk rkfydk la[;k- 4-1 la'kks/ku 2- 15oha ih,lh cSBd ds dk;Zo`Ùkksa ij dk;Z izxfr Ø- Lak'kks/ku jktif=r fjiksVZ A la- vf/klwpuk dh frfFk 3- ,Ukih,l futh {ks= ds rgr vkfLr oxZ bZ 1- isa”ku fuf/k fofu;ked 28 fnlEcj 2021 ¼bfDoVh½ dk lfØ; fodYi vkSj fodkl izkf/kdj.k 4- ,Ukih,l futh {ks= ds rgr mifLFkfr vfLrRoksa ¼jk’Vªh; isa”ku iz.kkyh½ ds fy, “kqYd@izHkkj lajpuk dh leh{kk ¼nwljk la”kks/ku½ fofu;e] 2021 5- ih,QvkjMh, }kjk ^fjlkslZ ilZu* dh fu;qfDr@ 2- isa”ku fuf/k fofu;ked 22 flrEcj] 2021 lwphdj.k vkSj fodkl izkf/kdj.k ¼izfrHkwfr;ksa ds vfHkj{kd½ 6- isa”ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k ¼la”kks/ku½ fofu;e] 2021 ¼vfHknkrk f”k{kk vkSj lqj{kk fuf/k½ fofu;e] 3- isa”ku fuf/k fofu;ked vkSj 15 tqykbZ 2021 2015 ds fy, izLRkkfor la”kks/ku fodkl izkf/kdj.k ¼isa”ku 7- vVy isa”ku ;kstuk ¼,ihokbZ½ dk izn”kZu fuf/k½ ¼NBk la”kks/ku½ fofu;e] 2021 isa”ku lykgdkj lfefr dh fnukad 4 tuojh 2022 4- isa”ku fuf/k fofu;ked 14 twu 2021 dks ubZ fnYyh esa vk;ksftr l=goha ¼17oha½ cSBd esa vkSj fodkl izkf/kdj.k fuEufyf[kr ,tsaMk enksa ij ppkZ dh xbZ% ¼mifLFkfr vfLrRo½ ¼la”kks/ku½ fofu;e] 2021 129Hkkx&IV Ø- Lak'kks/ku jktif=r Ø- Lak'kks/ku jktif=r la- vf/klwpuk dh la- vf/klwpuk dh frfFk frfFk 5- isa”ku fuf/k fofu;ked vkSj 14 twu 2021 10- isa”ku fuf/k fofu;ked vkSj 24 ekpZ 2021 fodkl izkf/kdj.k ¼jk’Vªh; fodkl izkf/kdj.k ¼deZpkjh isa”ku iz.kkyh U;kl½ lsok½ ¼la”kks/ku½ fofu;e] ¼la”kks/ku½ fofu;e] 2021 2021 6- isa”ku fuf/k fofu;ked 14 twu 2021 4-3 vfHknkrk f'k{kk vkSj laj{k.k fuf/k ds mi;ksx vkSj fodkl izkf/kdj.k ds fy, lfefr dk xBuA ¼jk’Vªh; isa”ku iz.kkyh U;kl ds rgr fudkl ih,QvkjMh, ¼vfHknkrk f”k{kk vkSj lqj{kk fuf/k½] vkSj izR;kgj.k½ ¼la”kks/ku½ fofu;e] 2015 ds fofu;e 6¼1½ ds vuqlkj] çkf/kdj.k fofu;e] 2021 vfHknkrk f'k{kk] tkx:drk vkSj lqj{kk xfrfof/k;ksa 7- isa”ku fuf/k fofu;ked vkSj 14 twu 2021 dh flQkfj'k djus vkSj fuf/k ds mi;ksx ds fy, ,d fodkl izkf/kdj.k ¼dsUnzh; lfefr dk xBu djsxkA vfHkys[kiky vfHkdj.k½ blds vykok] fofu;e 6¼2½ ds vuqlkj lfefr esa ¼la”kks/ku½ fofu;e] 2021 8- isa”ku fuf/k fofu;ked vkSj 25 ebZ 2021 fuEufyf[kr lnL; gksaxs] vFkkZRk~& fodkl izkf/kdj.k ¼isa”ku ¼d½ çkf/kdj.k ds dk;Zdkjh funs'kd lfefr ds fuf/k½ ¼la”kks/ku½ fofu;e] la;kstd gksaxs% 2021 9- isa”ku fuf/k fofu;ked vkSj 31 ekpZ 2021 ¼[k½ çkf/kdj.k ds nks vU; vf/kdkjh % fodkl izkf/kdj.k ¼isa”ku ¼x½ ikap vU; lnL; ftuds ikl foÙkh; cktkj esa fuf/k½ ¼pkSFkk la”kks/ku½ fo'ks"kKrk gS vkSj vfHknkrk f'kdk;r fuokj.k fofu;e] 2021 ;k vfHknkrk f'k{kk ekeyksa esa vuqHko gSA rnuqlkj] lfefr dks 06 vDVwcj] 2021 dks iquxZfBr fd;k x;k Fkk] lfefr va'knkrkvksa dh f'k{kk] tkx:drk vkSj lqj{kk ds fy, /ku ds mi;ksx dh flQkfj'k djsxhA Ø-la Ukke vkSj in laxBu vkarfjd lnL; 1- Jh ,-Tkh nkl] dk;Zdkjh funs”kd lfefr ds la;kstd 2- Jh oasdVs”ojyw isjh] eq[; egkizcU/kd] ih,QvkjMh, lnL; 3- Jh vk”kh’k Hkkjrh] egk izcU/kd] ih,QvkjMh, lnL; ckgjh lnL; 4- Jh mTtoy dqekj ?kks’k] vkbZ,,l] vk;qDr] dks’kky; foHkkx dukZVd ljdkj 5- Jh lq'khy iky] eq[; ys[kk fu;a=d x`g ea=ky; 6- çks ikFkZ js] funs'kd ,uvkbZch,e 130okf"kZd fooj.k - 2021-22 Ø-la Ukke vkSj in laxBu 7- Jh lR;thr f}osnh] lhbZvks ,ulh,QbZ 8- Jh foosd —".k flUgk] eq[; egkçca/kd ukckMZ ,lbih,Q lfefr dh cSBd 24 fnlacj] 2021 dks 4-4 ih,QvkjMh, esa lwpuk çkS|ksfxdh vkSj gqbZ Fkh] ftlesa lfefr ds lnL;ksa us fopkjkFkZ fo’k;ksa] lkbcj lqj{kk laca/kh LFkk;h lfefr ,lbZih,Q [kkrksa dh fLFkfr vkSj xfrfof/k;ksa vkSj ih,QvkjMh, us vxLr 2018 esa lwpuk] ç.kkyh vkSj ,uih,l ds ckjs esa tkx:drk c<+kus ds fy, dh çkS|ksfxdh vkSj lkbcj lqj{kk ij ,d LFkk;h lfefr tkus okyh ;kstuk ij ppkZ dh FkhA dk xBu fd;k gS rkfd vfHknkrkvksa ds fgrksa dh ih,QvkjMh, ¼vfHknkrk f”k{kk vkSj lqj{kk fuf/k½] j{kk ds fy, rsth ls rduhdh ifjorZu vkSj foÙkh; fofu;e] 2015 ds fofu;e 5 ¼1½ ds vuqlkj] fuf/k {ks= ij blds çHkko ij utj j[kh tk ldsA mä dk mi;ksx vfHknkrkvksa ds fgrksa dh lqj{kk vkSj lfefr ds fopkjkFkZ fo’k; lwpuk ç.kkyh] çkS|ksfxdh vfHknkrkvksa dh f'k{kk vkSj tkx:drk dks c<+kok nsus vkSj lkbcj lqj{kk ds eqíksa] çca/ku lwpuk ç.kkyh ds mís'; ls fd;k tk,xkA lsfeukj] laxks"Bh] çf'k{k.k] ¼,evkbZ,l½] i;Zos{kh vkSj fu;ked eapksa ds fodkl] vuqla/kku vkSj çdk'ku lfgr 'kSf{kd xfrfof/k;k¡] foÙkh; çkS|ksfxfd;ksa ds u, voljksa ij vkSj foÙkh; ftudk mís'; egkuxjksa] xSj&egkuxjksa vkSj NksVs vkSj fu;ked rduhdksa dh pqukSfr;ksa] ,uih,l lajpuk 'kgjksa vkSj vlaxfBr {ks=ksa] d‚iksZjsV~l] Lo;a lgk;rk ds rgr ih,QvkjMh, dh lkbcj lqj{kk@iz.kkyh@ lewgksa vkSj vU; {ks=ksa lfgr fofHkUu HkkSxksfyd LFkkuksa lwpuk lqj{kk ys[kk ijh{kk dh çfØ;kvksa dks etcwr ds vfHknkrkvksa dks izf”kf{kr djuk gSA djus ij lykg nsuk gSA 131Hkkx&V Hkkx V isa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k ds laxBukRed eqn~ns 5-1 izkf/kdj.k dk xBu 3- Jh enus”k dqekj feJk ¼vkbZvkj,l 1990½] la;qDr lfpo] foÙkh; lsok,a foHkkx] foÙk ih,QvkjMh, vf/kfu;e dh /kkjk 4 izkf/kdj.k ds ea=ky;] 03 uoacj 2017 ls 31 vxLr ]2021rd xBu dks n”kkZrk gS] ftlesa lfEefyr gS] ih,QvkjMh, v/;{k] 3 iw.kZdkfyd lnL; rFkk 3 va”kdkfyd 4- lJq h ofanrk dkyS ¼vkbiZ hvk,s l 1989½ vij lnL;] ftUgsa dsanz ljdkj }kjk fu;qDr fd;k tkrk lfpo] foÙkh; los k, a foHkkx] foÙk e=a ky;] gSA 31-03-2020 rd ds vuqlkj] izkf/kdj.k dk xBu 22 fnlEcj] 2021 l s 31 ekp Z 2022 l s vkt rd fuEukuqlkj gS % 5-2 izkf/kdj.k dh cSBdsa v/;{k (i) foÙk o’kZ 2021&22 ds nkSjku izkf/kdj.k dh 8 cSBdsa Jh lqizfre canksik/;k; izkf/kdj.k ds v/;{k gSa A og vk;ksftr dh xbZA ih,QvkjMh, esa v/;{k ds :i esa 21 Qjojh 2020 Ø- izkf/kdj.k dh vk;ksftr dh xbZ dks “kkfey gq, A blls iwoZ] og 12 ekpZ 2018 ls e- cSBdsa 16 tuojh 2020 rd ih,QvkjMh, esa iw.kZdkfyd 1- 95 oha izkf/kdj.kh; 06-04-2021 ¼eaxyokj½ lnL; ds :i esa dk;Zjr FksA ih,QvkjMh, esa fu;qfDr cSBd vkSj 07-04-2021 ls iwoZ] mUgksaus 1985 esa ,yvkbZlh esa fu;qfDr ds ¼cq/kokj½ yxHkx 35 o’kZ chek m|ksx esa xqtkjsA 2- 96oha izkf/kdj.kh; ifjpkyu }kjk & (ii) iw.kZdkfyd lnL; cSBd 26-05-2021 ¼lkseokj½ 3- 97oha izkf/kdj.kh; 30-06-2021 ¼cq/kokj½ 1- Jh izeksn dqekj flag] iw.kZdkfyd lnL; cSBd ¼fof/k½ 03 ekpZ 2020 ls vkt rd 4- 98oha izkf/kdj.kh; 27-08-2021 ¼”kqØokj½ cSBd 2- MkW- nhid eksgarh] iw.kZdkfyd lnL; 5- 99oha izkf/kdj.kh; 09-11-2021 ¼eaxyokj½ ¼vFkZ”kkL=½ 01 flracj 2020 ls vkt rd cSBd 3- MkW- eukst vkuan] iw.kZdkfyd lnL; ¼foÙk½ 01 6- 100oha izkf/kdj.kh; 10-01-2022 ¼lkseokj½ flracj 2020 ls vkt rd cSBd 7- 101oha izkf/kdj.kh; ifjpkyu }kjk (iii) va”kdkfyd lnL; cSBd 14-02-2022 ¼lkseokj½ 1- lqJh ,uh tkWtZ eSF;w ¼vkbZ, vkSj ,l 1988½] 8- 102oha izkf/kdj.kh; 22-03-2022 ¼eaxyokj½ vij lfpo ¼futh½] O;; foHkkx] 12 fnlacj cSBd 2014 ls vkt rd 5-3 ih,QvkjMh, esa deZpkfj;ksa dh la[;k 2- lqJh lqtkrk prqosZnh ¼vkbZ,,l 1989½] vij 31 ekpZ] 2022 rd] ih,QvkjMh, dh fu;fer LVkQ lfpo ¼LFkkiuk foHkke izeq[k½] dkfeZd vkSj la[;k cgÙkj ¼72½ gS] ftlesa ls lÙkj ¼70½ vf/kdkjh izf”k{k.k foHkkx ¼MhvksihVh½ 16 tuojh] 2020 laoxZ esa] ,d ¼01½ dfu"B lgk;d vkSj ,d ¼01½ ls 30 flrEcj] 2021 rd LVkQ dkj pkyd gSaA 132okf"kZd fooj.k - 2021-22 5-4 ih,QvkjMh, esa vuqlwfpr tkfr@vuqlwfpr 1- vuqca/k çca/ku vkSj fookn lek/kku tutkfr çdks"B vkSj vkschlh çdks"B dh LFkkiuk 2- d‚iksZjsV çfr"Bk fuekZ.k vkSj çca/ku] ladV vuqlwfpr tkfr@vuqlwfpr tutkfr@ihMCY;wMh lapkj] fgr/kkjdksa dk çca/ku vkSj dk;Zdkjh deZpkfj;ksa ds dY;k.k ds fy, ljdkjh funsZ'kksa dks mifLFkfr fuekZ.kA ykxw djus ds fy, ih,QvkjMh, esa ,d çdks"B LFkkfir 3- yphykiu vkSj iyVko & $5 Tn vFkZO;oLFkk fd;k x;k gS a,d egkçca/kd oxZ ds vf/kdkjh dks dh vksj ;k=k dh rS;kjhA vuqlwfpr tkfr@ vuqlwfpr tutkfr@ ihMCY;wMh ds fy, laidZ vf/kdkjh ds :i esa ukfer fd;k x;k 4- ?kjsyw tkap vkSj vuq'kklukRed dkjZokbZ ij gSA blds vfrfjä] ih,QvkjMh, esa vU; fiNM+h v‚uykbu çf'k{k.k dk;ZØeA tkfr ds dY;k.k ds fy, ,d vyx çdks"B LFkkfir fd;k x;k gS A ,d mi egkçca/kd oxZ ds vf/kdkjh 5- mHkjrh lkbcj lqj{kk çFkk,a dks vkschlh ds fy, laidZ vf/kdkjh ds :i esa ukfer 6- çca/kdh; usr`Ro vkSj la?k"kZ lek/kku fd;k x;k gSA nksuksa çdks"Bksa ds lnL; vius lEcaf/kr laidZ vf/kdkjh ls muds dY;k.kdkjh mik;ksa ij ppkZ 7- çca/kdh; çHkko'khyrk ds fy, fu.kZ; ysuk djus ds fy, frekgh vk/kkj ij cSBd djsaxs A 8- fuokjd lrdZrk 5-5 dk;ZLFky ij ;kSu mRihM+u dh jksdFkke ds 9- usr`Ro fodkl fy, lfefr 10- ofj"B usrkvksa ds fy, lkbcj lqj{kk vkSj dk;LZ Fky ij ;kuS mRihMu+ dh jkds Fkke d s fy,] tksf[ke çca/ku vfHkfoU;kl dk;LZ Fky ij efgykvk as d s ;kuS mRihMu+ ¼jkds Fkke] fu"k/s k vkjS fuokj.k½ vf/kfu;e] 2013 d s vulq kj 11- fMftVy vkSj lks'ky ehfM;k j.kuhfr;k% f'kdk;r]as iNw rkN vkfn çkIr dju s d s fy, ,d Mªkbfoax fctusl xzksFk vkra fjd f”kdk;r lfefr ¼vkblZ hlh½ dk s LFkkfir fd;k x;k g S vkjS frekgh vk/kkj ij bldh cBS d gkxs hA 12- lkbcj lqj{kk ij v‚uykbu çf'k{k.k dk;ZØe 5-6 LVkWQ dY;k.kdkjh lfefr 13- lapkj dkS'ky fofHkUu deZpkjh dY;k.k xfrfof/k;ksa dh “kq:vkr 14- laHkkfor ifjorZu vkSj vk;kstu ds fy, ih,QvkjMh, esa ,d deZpkjh 15- çca/kdh; çHkko'khyrk ds fy, fu.kZ; ysuk dY;k.k lfefr dk xBu fd;k x;k gSA ;g lfefr LkHkh deZpkfj;ksa ds e/; vkSj deZpkfj;ksa ,oa çca/ku foÙk o"kZ 2021&22 ds nkSjku mi;qZä fo"k;ksa esa ds chp vPNs laca/kksa dks lqjf{kr vkSj lajf{kr djus dqy 58 deZpkfj;ksa us çf'k{k.k çkIr fd;k gSA ds mik;ksa dks fodflr djus esa Lkgk;rk djsxhA ,d eq[; egkçca/kd xzsM vf/kdkjh dks deZpkjh dY;k.k 5-8 jktHkk"kk fgUnh dk çlkj lfefr ds v/;{k ds :i esa ukfer fd;k x;k gSA Hkkjr ljdkj dh jktHkk"kk uhfr;ksa ds vuqikyu dks 5-7 ih,QvkjMh, esa deZpkfj;ksa dk çf'k{k.k lqfuf'pr djus ds fy, ih,QvkjMh, fu;fer :i ls jktHkk"kk fgUnh esa dk;Z djus gsrq ç;kljr gS A foÙkh; o"kZ 2021&22 ds nkSjku fofHkUu fo"k; {ks=ksa x`g ea=ky; ,oa foÙkh; lsok,a foHkkx] foÙk ea=ky; ls ij çf'k{k.k dk;Z'kkykvksa ds fy, ih,QvkjMh, }kjk çkIr fn'kkfunsZ'kksa ds vuqlkj vius lHkh lapkj esa fofHkUu laoxZ ds vf/kdkfj;ksa dks ukfer fd;k x;k jktHkk"kk ds ç;ksx dks c<+kus gsrq ih,QvkjMh, çfrc) Fkk% gS A bl Øe esa foÙk o"kZ 2021&22 ds nkSjku jktHkk"kk 133Hkkx&V foHkkx dh fofHkUu vko';drkvksa dk vuqikyu ih,QvkjMh, esa dk;Zdkjh funs'kd egksn;k dh lqfuf'pr djus ds fy, vusd egRoiw.kZ dne mBk, v/;{krk esa jktHkk"kk dk;kZUo;u lfefr dk x,A budk fooj.k fuEufyf[kr gS % xBu fd;k x;k gS A lHkh foHkkxk/;{k egksn; blds lnL;x.k gSa rFkk lgk;d çcU/kd 1- ih,QvkjMh, esa jktHkk"kk foHkkx] x`g ea=ky; ¼jktHkk"kk½ }kjk lfpoh; nkf;Roksa dk fuoZgu vkSj foÙkh; lsok,a foHkkx] foÙk ea=ky; ls çkIr fd;k tkrk gS A o"kZ ds nkSjku lfefr dh fn'kkfunsZ'kksa vkSj dk;Z ;kstukvksa dk vuqikyu frekgh cSBdsa vk;ksftr dh xbZ gSa A çR;sd fd;k tkrk gS A cSBd esa fiNyh cSBd ds nkSjku mBk, x, eqíksa dh çxfr dh leh{kk dh tkrh gS vkSj dk;Zo`Ùk 2- çkf/kdj.k esa fgUnh dks c<+kok nsus gsrq vknj.kh; ds vk/kkj ij vxyh frekgh gsrq dk;Z ;kstukvksa v/;{k egksn; dh v/;{krk esa dk;Zdkjh dh lwph cukbZ tkrh gS A funs'kd ¼bZMh½ ds funsZ'ku }kjk egkçcU/kd ¼jktHkk"kk½] lgk;d çcU/kd ¼jktHkk"kk½ vkSj 3- ujkdkl ¼uxj jktHkk"kk dk;kZUo;u fgUnh vuqoknd dh lgk;rk ls dk;Z fd;k lfefr½ tkrk gSA ih,QvkjMh, }kjk uxj jktHkk"kk dk;kZUo;u 3- jktHkk"kk uhfr ds vuqikyu esa Qjojh] 2022 lfefr nf{k.k fnYyh & 03 dh lnL;rk xzg.k esa lgk;d çcU/kd & jktHkk"kk dh fu;qfä dh djuk lqfuf'pr fd;k x;k gSA blds lEcU/k xbZ gSA esa ifji= Hkstk tk pqdk gSA 4- çkf/kdj.k esa tkjh lHkh çi=ksa dks f}Hkk"kh :i 4- lwpuk çca/ku ç.kkyh] jktHkk"kk foHkkx] x`g esa tkjh djus dk ç;kl fd;k tk jgk gS A ea=ky; 5- çkf/kdj.k ds lHkh dEI;wVjksa dks fgUnh Vad.k jktHkk"kk foHkkx] x`g ea=ky; ds lwpuk çca/ku gsrq lqxe cukus dk ç;kl fd;k tk jgk gS A ç.kkyh ¼MIS½ iksVZy ij çkf/kdj.k iathdj.k blh Øe esa] buesa ;wfudksM Q‚UV vkSj xwxy gsrq ç;kljr gSA iksVZy esa frekgh fjiksVZ çLrqr buiqV tSlh lqfo/kk,a nh tk jgh gSa A djus ds fy, fofHkUu foHkkxksa ls lwpuk ekaxh tk jgh gS A 6- ^d* vkSj ^[k* {ks= ls çkIr i=ksa ds mÙkj f}Hkk"kh :i esa fn, tk jgs gSa A 5- vf/kdkfj;ksa gsrq çf'k{k.k dk;Z'kkyk,a 7- fgUnh esa çkIr vkjVhvkbZ] lalnh; ç'uksa vkSj 1- çkf/kdj.k esa vf/kdkfj;ksa ds fgUnh Kku fo/kk;h ç'uksa ds mÙkj fgUnh esa fn, tk jgs gSaA lEcU/kh jksLVj dk fuekZ.k fd;k x;k gSA jksLVj ds vk/kkj ij vf/kdkfj;ksa gsrq 8- jftLVjksa vkSj Qkbyksa ds uke] 'kh"kZd vkSj yf{kr çf'k{k.k dh O;oLFkk dk ç;kl çfof"V;ka fgUnh esa Hkh ntZ djokbZ tk jgh gSa A fd;k tk jgk gSA lkFk gh ukeiê dks Hkh f}Hkk"kh cukus dk ç;kl fd;k tk jgk gS A 2- çkf/kdj.k esa uofu;qä lgk;d çcU/kdksa gsrq fgUnh esa dkedkt ij vk/kkfjr 9- Hkkjr ljdkj dh çfrf"Br isa'ku ;kstukvksa çf'k{k.k vk;ksftr fd;k x;kAbl jk"Vªh; isa'ku ç.kkyh vkSj vVy isa'ku ;kstuk dk;Z'kkyk esa çf'k{k.k nsus ds fy, dsUæh; ds çfr yksxksa esa tkx:drk c<+kus gsrq mudk fgUnh laLFkku ls fo'ks"kK dks vkeaf=r fgUnh esa çpkj&çlkj fd;k tk jgk gS A fd;k x;kA 2- jktHkk"kk dk;kZUo;u lfefr 134okf"kZd fooj.k - 2021-22 3- vf/kdkfj;ksa ds fgUnh çf'k{k.k gsrq fnlEcj] vkSj fodkl çkf/kdj.k] çFke ry] N=ifr f'kokth 2021 esa ,d v‚uykbu dk;Z'kkyk Hkou] ch&14@,] dqrqc laLFkkfud {ks=] ubZ fnYyh vk;ksftr dh xbZ A 110016 dks i;kZIr 'kqYd ds lkFk fyf[kr esa mfpr vkosnu djrs gq, lwpuk dh ekax dj ldrk gS vkSj 6- ih,QvkjMh, dh osclkbV ij miyC/k v‚uykbu iksVZy ij www.pfrda.org.in vkjVhvkbZ vkosnu] 2005 ds rgr vkjVhvkbZ ntZ 1- ih,QvkjMh, }kjk viuh osclkbV dj ldrk gS A www.pfrda.org.in dks f}Hkk"kh cuk, tkus dh çfØ;k tkjh gSA o"kZ 2021&22 ds nkSjku] 702 vkjVhvkbZ vkosnu vkSj 49 vihy çkIr gqbZ tks jk"Vªh; isa'ku ç.kkyh ¼,uih,l½ 2- lkFk gh] ih,QvkjMh, }kjk foÙkh; ds rgr va'knku ds lkFk&lkFk] O;fäxr [kkrk lk{kjrk gsrq 'kq: fd, x, igy ds rgr [kksyus] LFkkukUrj.k] ,uih,l ds rgr çR;kgj.k vkSj isa'ku lap; uked osclkbV dks f}Hkk"kh fudkl] ,ihokbZ ;kstuk vkfn ds lEcU/k esa FkhA lHkh cuk, tkus dk fu.kZ; fy;k x;k gS A vkosnu vkSj vihy dk vkjVhvkbZ vkosnu] 2005 ds 7- fgUnh fnol lekjksg vkSj fgUnh i[kokM+k rgr fu/kkZfjr le;lhek ds Hkhrj mÙkj fn;k x;k@ fuiVk;k x;k A foÙkh; o"kZ 2021&22 ds nkSjku flrEcj ekg esa fgUnh i[kokM+k dk vk;kstu fd;k x;k A bl vkjVhvkbZ vf/kfu;e] dh /kkjk 4 lHkh çkf/kdj.kksa lekjksg dk eq[; mís'; deZpkfj;ksa dks fgUnh dks viuh osclkbV ij viuh vksj ls çdVhdj.k esa dk;Z djus gsrq çksRlkfgr djuk Fkk A djus ds fy, ck/; djrh gS A ih,QvkjMh, us Hkh viuh osclkbV ij viuh vksj ls lwpuk çdVh—r 8- ih,QvkjMh, çrhd fpUg dh gSA çdVhdj.k dk dsaæ fcanq ih,QvkjMh, dh jktHkk"kk vf/kfu;e ds çko/kkuksa ds vuqlkj O;kogkfjdrk vkSj dk;Z i)fr ds Lrj esa ikjnf'kZrk ih,QvkjMh, vkSj ,uih,l U;kl ds çrhd dks c<+kuk gS A bl lEcU/k esa] ih,QvkjMh, ds fofHkUu fpUg ¼yksxks½ f}Hkk"kh :i esa fufeZr fd, x, gSaA dk;ksaZ] 'kfä;ksa vkSj drZO;ksa ,oa mlds vf/kdkfj;ksa vkfn ds lEcU/k esa lwpuk ih,QvkjMh, dh osclkbV 5-9 lwwpuk dk vf/kdkj ij nh xbZ gS A blds vykok] ih,QvkjMh, vf/kfu;e] ih,QvkjMh, esa lwpuk dk vf/kdkj vf/kfu;e] 2005 muds rgr cuk, x, fu;e vkSj fofu;e] ifji= vkSj dks fØ;kfUor djus ds fy, ,d lefiZr çdks"B gS A tkjh dh xbZ fu;ekoyh Hkh osclkbV ij miyC/k gSA ;g çdks"B lwpuk dk vf/kdkj vf/kfu;e] 2005 ds 5-10 lalnh; iz'u rgr çkIr fd, tkus okys vkosnuksa dks lalkf/kr djrk gS vkSj dsUæh; yksd lwpuk vf/kdkjh ¼lhihvkbZvks½ foÙk o"kZ 2021&22 ds nkSjku] ih,QvkjMh, dks 58 ds v/khu dk;Z djrk gS A tSlk fd vkjVhvkbZ lalnh; ç'u çkIr gq, tks Hkkjr ljdkj }kjk] fo'ks"k vf/kfu;e ds rgr vko';d gS] ih,QvkjMh, us ,d :i ls foÙk ea=ky; }kjk Hksts x, Fks] ftuesa ,uih,l vihyh; çkf/kdkjh ¼,,½ dks ukfer fd;k gS ftlds vkSj ,ihokbZ ij o`)koLFkk vk; lqj{kk ls lEcaf/kr ikl lhihvkbZvks ds vkns'k ds fo#) vihy dh tk fofHkUu igyqvksa ij ç'u 'kkfey gSa A ih,QvkjMh, us ldrh gS A mÙkj@mÙkjksa ds fy, lwpuk vkSj lkexzh fu;rdkfyd le; esa çLrqr dh gS ftlls laln ds ç'uksa ds mÙkj vkjVhvkbZ vf/kfu;e ds vuqlkj] dksbZ Hkh ukxfjd fn, tk ldsA dsaæh; yksd lwpuk vf/kdkjh] isa'ku fuf/k fofu;ked 135Hkkx&V 5-12 ih,QvkjMh, ds [kkrs fooj.kh dk izk:i½ fu;eksa] ds vuqlkj vafre fu/kkZfjr vuqlwfp;ksa ds lkFk fnukad 31-03-2022 rd dk foÙk o’kZ 2021&22 ds nkSjku] ih,QvkjMh, us vius rqyui=] 01-04-2021 ls 31-03-2022 dh vof/k ds miyC/k lalk/kuksa }kjk vius lHkh iz”kklfud vkSj fy, vk; ,oa O;; [kkrk vkSj izkfIr ,oa Hkqxrku LFkkiuk [kpksZ dks iw.kZ fd;kA ih,QvkjMh, dks vVy [kkrk “kkfey gS A cksMZ }kjk bu [kkrksa dks fnukad isa”ku ;kstuk ds fy, ljdkjh vuqnku izkIr gqvkA 29-06-2022 dks vk;ksftr 104oha cSBd esa vuqeksfnr vVy isa”ku ;kstuk dh ?kks’k.kk foÙk o’kZ 2015&16 ds fd;k x;k FkkA ih,QvkjMh, vf/kfu;e] 2013 ds ctV Hkk’k.k esa dh xbZ Fkh A ;g isa”ku ;kstuk 18&40 izko/kkuksa ds vuqlkj bldh ys[kkijh{kk Hkkjr ds o’kZ ds vk;q lewg esa lHkh ukxfjdksa ds fy, fufeZRk dh fu;a=d vkSj egkys[kk ijh{kd }kjk dh xbZA xbZ Fkh] tks izeq[k :i ls vlaxfBr {ks= ds deZpkfj;ksa dh vksj dsfUnzr FkhA foÙk o’kZ 2021&22 ds nkSjku] izkf/kdj.k ds ys[kksa ij fnukad 31-0-2022 dks lekIr ih,QvkjMh, dks ,ihokbZ ds rgr lsok iznkrkvksa dh o’kZ ds fy, fu;a=d ,oa egkys[kk ijh{kd dh i`Fkd~ izksRlkgu jkf”k iznku djus vkSj izpkjkRed xfrfof/k;ksa ys[kk ijh{kk fjiksVZ vkSj vuqlwfp;ksa lfgr izkf/kdj.k ds fy, #-203-00 djksM+ dk vuqnku izkIr gqvkA dh fVIif.k;ka] izkf/kdj.k ds izekf.kr okf’kZd ys[kk fooj.k ds lkFk layXu gSa vkSj ifjf”k’V esa j[kh xbZ izkf/kdj.k ds okf’kZd [kkrksa esa isa”ku fuf/k fofu;ked gSa- ,oa fodkl izkf/kdj.k ¼ys[kksa vkSj foys[kksa dh okf’kZd 136okf"kZd fooj.k - 2021-22 Hkkx VI vfHknkrkvksa ds fgr dks çfrdwy :i ls çHkkfor djus okyk dksbZ Hkh egRoiw.kZ {ks= 6- vfHknkrkvksa ds fgr dks çHkkfor djus okys fu/kkZj.k foHkkx ds çeq[k }kjk fu/kkZfjr fd;k dqN {ks= fuEukuqlkj gSa % tkrk gSA 6-1 l{ke fofu;eu ds vHkko esa ljdkjh uksMy 6-2- ,ihokbZ esa 'kkfey gksus ds fy, 40 o"kZ dh vf/kdkjh oafpr jg tkrs gSaA vk;q lhek • uksMy dk;kZy;ksa }kjk fofHkUu ,uih,l ls ,uih,l ykbV@Lokoyacu] ftls vlaxfBr {ks= lacaf/kr xfrfof/k;ksa esa foyac izeq[k fparuh; ds Jfedksa ds fy, 'kq: fd;k x;k Fkk] dks vizSy] {ks=ksa esa ls ,d gS] D;ksafd bl rjg dh nsjh ls 2015 ls can dj fn;k x;k gSA ,uih,l ykbV@ ,uih,l dks’k lap; ij çfrdwy çHkko iM+rk gS Lokoyacu ;kstuk ds LFkku ij] vVy isa'ku ;kstuk vkSj ifj.kkeLo:i deZpkjh&vfHknkrkvksa }kjk ¼,ihokbZ½ 'kq: dh xbZ Fkh] tks varfuZfgr vfHknkrkvksa lsokfuo`fÙk ij feyus okyh isa'ku ij çfrdwy dks xkjaVh—r ykHk çnku djrh gSA ,uih,l ykbV çHkko iM+rk gSA ;kstuk ds vfHknkrkvksa dks ,ihokbZ esa LFkkukarfjr djus dk fodYi fn;k x;k gSA gkyk¡fd] ,ihokbZ • çkf/kdj.k mUgsa lacaf/kr ljdkjh uksMy dk;kZy;ksa ;kstuk 18 o"kZ ls 40 o"kZ rd ds vfHknkrkvksa ds ços'k esa yxkrkj izsfjr djrs gq, muls dqN uhfr ds dh vuqefr nsrh gSA rnuqlkj] 40 o"kZ ls vf/kd vk;q lkFk&lkFk lapkyukRed mik; djus dk vkxzg ds laHkkfor vfHknkrk tks orZeku esa vk; vftZr dj dj jgk gS] rkfd muds varfuZfgr dk;kZy;ksa esa jgs gSa] vVy isa'ku ;kstuk esa 'kkfey gksus esa vleFkZ ,uih,l ds dk;kZUo;u esa vuq'kklu yk;k tk gSaA vr% bu yksxksa dks ;kstuk miyC/k djkus ds fy, lds] rkfd deZpkjh&vfHknkrk fgrksa dh j{kk ik=rk dh vk;q 40 o"kZ ls c<+kdj de ls de 50 o"kZ dh tk ldsA djus ij fopkj fd;k tk ldrk gSA • gkykafd] ,d l{ke çko/kku dh vuqifLFkfr 6-3 oS/kkfud nkf;Ro ftudk çkf/kdj.k us ikyu ds dkj.k ljdkjh uksMy vf/kdkfj;ksa ¼lhth] ugha fd;k gS ,lth vkSj Lok;Ùk uksMy dk;kZy;ksa½ dks 6-3-1 U;wure lqfuf'pr okilh ;kstuk ¼eklZ½ ih,QvkjMh, vf/kfu;e 2013 ds vuqlkj ih,QvkjMh, vf/kfu;e dh /kkjk 20 dh mi&/kkjk e/;LFk ds :i esa ekuk tkrk gS vkSj blfy, os 2 ¼Mh½ ¼ch½ ds rgr] U;wure lqfuf'pr fjVuZ dh ih,QvkjMh, vf/kfu;e dh /kkjk 28 ds rgr ekax djus okys vfHknkrk ds ikl çkf/kdj.k }kjk çnku fd, x, naM çko/kku ds nk;js ls ckgj vf/klwfpr U;wure lqfuf'pr fjVuZ çnku djus okyh jgrs gSaA ,slh ;kstukvksa esa vius /ku dk fuos'k djus dk • blds vykok] ;g mYys[k fd;k x;k gS fd fodYi gksxkA gkykafd] /kkjk 20 dh mi&/kkjk 2 ¼th½ lhlh,l ¼jk"Vªh; isa'ku ç.kkyh dk dk;kZUo;u½ esa dgk x;k gS fd vfHknkrk }kjk [kjhns tkus okys fu;e] 2021] tSlk fd MhvksihihMCY;w }kjk cktkj&vk/kkfjr xkjaVh ra= dks NksM+dj ykHkksa dk dksbZ vf/klwpuk fnukad 30-03-2021 }kjk vf/klwfpr fufgr ;k Li"V vk'oklu ugha gksxkA ih,QvkjMh, fd;k x;k gS] lhth {ks= ds rgr ,uih,l vf/kfu;e ds rgr ifjdfYir U;wure lqfuf'pr ds dk;kZUo;u dh lkekU; 'krksaZ dks fu/kkZfjr fjVuZ ;kstuk çnku djus ds fy,] ih,QvkjMh,] djrk gSA mä fu;e] vU; ckrksa ds lkFk&lkFk] ih,Q vkSj laHkkfor vfHknkrkvksa ds ijke'kZ ls eklZ ,uih,l ls lacaf/kr dqN xfrfof/k;ksa ls dks ifjdfYir djus ds fy, ,d lykgdkj fu;qä lacaf/kr le;&lhek dk ikyu vfuok;Z djrs fd;k x;k gSA çkf/kdj.k ls vuqeksnu çkIr djus ds gSa] gkykafd] foyac dh fLFkfr esa ftEesnkjh dk ckn isa'ku fuf/k }kjk eklZ dh is'kd'k dh tk,xhA 137Hkkx&VI 6-4 deZpkjh ds osru ds 10 izfr'kr ls vf/kd yk[k #i;s dj nh xbZ gS vkSj 7-50 yk[k fu;ksäk ds ;ksxnku ij djk/kku% #i;s ls vf/kd dh jkf'k dks ,d deZpkjh ds gkFkksa esa dj ;ksX; vuqykHk ds :i esa ekuk • dsaæ ljdkj us 1 vçSy 2019 ls fu;ksäk tkrk gSA blds vykok] bl rjg ds vfrfjä ,uih,l ;ksxnku dks 10 izfr”kr ls c<+kdj ;ksxnku ¼;fn dksbZ gks½ ij okf"kZd o`f) dks 14 izfr”kr dj fn;k FkkA blds ckn fofHkUu jkT; ljdkjksa] Lok;Ùk fudk;ksa vkSj ih,lch@ Hkh vk;dj vf/kfu;e dh /kkjk 17¼2½ ¼viia½ ds rgr deZpkjh ds gkFkksa dj ;ksX; vuqykHk ds ih,l;w us Hkh dsaæ ljdkj ds leku vius :i esa ekuk tkrk gSA deZpkfj;ksa ds fy, fu;ksäk ,uih,l ;ksxnku esa o`f) dh gSA • pwafd ,uih,l fuos'k cktkj ls tqM+k gS] blfy, fdlh O;fä ds isa'ku [kkrs ¼,uih,l½ esa n'kkZ, • c<+s gq, fu;ksäk ,uih,l ;ksxnku dks dsaæ x, ykHk@gkfu okLrfod gksus rd dkYifud ljdkj ds deZpkfj;ksa ds fy, 80lhlhMh gSa vkSj blfy, ,uih,l vfHknkrkvksa ds fy, ¼2½ ds rgr NwV nh xbZ FkhA dsaæh; ctV dkYifud ykHk dk djk/kku mi;qä ugha gks 2022&2023 esa jkT; ljdkj ds deZpkfj;ksa ldrk gSA dks Hkh bl NwV dk foLrkj fd;k x;k FkkA gkykafd] dsaæ vkSj jkT; ljdkjksa ds vykok 6-6 fV;j& VSDl lsoj 80lh ds dj ykHk II vU; deZpkfj;ksa ds fy,] osru ds 10 izfr”kr ds lkFk dsoy dsaæ ljdkj deZpkfj;ksa rd gh ls vf/kd fu;ksäk ;ksxnku deZpkfj;ksa ds gkFkksa lhfer gSA esa dj ;ksX; gS] tks orZeku esa 7 yk[k ls vf/kd ljdkj us tqykbZ 2020 esa jk"Vªh; isa'ku ;kstuk fV;j ,uih,l vfHknkrkvksa okys ih,lch@ih,l;w ds deZpkfj;ksa dks çHkkfor djrk gSA II& VSDl lsoj Ldhe ¼,uih,l VhVh,l ;kstuk½ vf/klwfpr dh gS] ftlesa vk;dj vf/kfu;e dh /kkjk • blds vykok] deZpkjh ds ,uih,l [kkrs esa 80 lh ¼3 o"kZ dh y‚d&bu vof/k ds v/khu½ ds rgr fu;ksäk }kjk fd, x, ;ksxnku dks deZpkjh dsoy dsaæ ljdkj ds deZpkfj;ksa ds fy, ;ksxnku ds osru ¼csfld tek Mh,½ ds 10 izfr”kr rd ij dj ykHk gSA vkt rd] ;kstuk vU; ,uih,l vk;dj vf/kfu;e dh /kkjk 36 ¼i½ ¼iv½ ds rgr vfHknkrkvksa }kjk lnL;rk ds fy, miyC/k ugha fu;ksäk dks O;olk; O;; ds :i esa vuqefr djkbZ xbZ gSA nh tkrh gSA vius deZpkfj;ksa ds fy, ,uih,l 6-7 fV;j& fuos'k ij gksus okys ykHk ij II dks lsokfuo`fÙk ykHk ;kstuk ds :i esa viukus djk/kku okys fu;ksäk deZpkjh@vfHknkrk ds fy, ,d cM+k isa'ku dks"k cukus ds fy, ,uih,l ds fy, • ,uih,l fV;j&II [kkrk tks ,uih,l ds rgr deZpkjh ds osru dk 10 izfr”kr ls vf/kd oSdfYid [kkrk gS ¼thih,Q ds çfrLFkkiu ds ;ksxnku ugha djuk pkgrsA :i esa is'k fd;k x;k½ esa dksbZ fo'ks"k dj mipkj fu/kkZfjr ugha gS vkSj blfy, fudklh 6-5 dj ;ksX; vuqykHk dh x.kuk ds fy, fu;ksäk ij mRiUu gksus okys ykHk ykxw lhekar njksa ij ds ;ksxnku ij lhek% dj ds v/khu gSa] ftlls fV;j&II vfHknkrkvksa • 1 vçSy 2020 ls igys] ,uih,l esa fu;ksäk ds ds fy, de vkd’kZd gks tkrk gS A ;ksxnku ¼osru ds 10 izfr”kr rd½ dks fcuk fdlh ekSfæd lhek ds dj ls NwV nh xbZ FkhA • blh rjg] jk"Vªh; isa'ku ;kstuk fV;j II& 1 vçSy 2020 ls] vk;dj vf/kfu;e dh /kkjk VSDl lsoj Ldhe] 2020 ¼,uih,l VhVh,l 17¼2½¼vii½ ds rgr ekU;rk çkIr Hkfo"; ;kstuk½ ls gksus okys ykHk Hkh dsaæ ljdkj ds fuf/k] Loh—r vf/kof’kZrk fuf/k vkSj ,uih,l deZpkjh@vfHknkrk ds fy, ykxw njksa ij dj ds fy, fu;ksäk ;ksxnku ij dqy dVkSrh 7-50 ;ksX; gSaA 138okf"kZd fooj.k - 2021-22 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 dksbZ vU; mik; A 7-1 fiNys vuqPNsn esa mfYyf[kr dneksa ds • os ,llh,Q dks viyksM djus vkSj ,uih,l vykok] çkf/kdj.k }kjk vfHknkrkvksa ds fgrksa dh va”knku ds çs"k.k ds laca/k esa fofHkUu ,uih,l j{kk ds fy, dh xbZ dqN vU; igysa fuEukuqlkj lacaf/kr xfrfof/k;ksa dks iwjk djus ds fy, gSaA MhvksbZ] Hkkjr ljdkj }kjk fu/kkZfjr le;&lhek dk ikyu djsa A • miHkksäkvksa ds fgrksa dh j{kk ds fy, foHkkx }kjk fofHkUu ubZ igy dh xbZ vkSj ifji=ksa • lhth vkSj ,lth ds rgr uksMy dk;kZy;ksa ds :i esa fn'kk&funsZ'k tkjh fd, x,] tSlk dks vius varfuZfgr uksMy dk;kZy;ksa ds fy, fd Åij foLrkj ls crk;k x;k gSA lkFk gh] fu;fer cSBdsa lg dk;Z'kkyk vk;ksftr djus fofu;eksa esa vko”;drk vkSj izkIr dh xbZ dh lykg nh xbZ rkfd mUgsa fpark ds çeq[k izfriqf’V;ksa ds vk/kkj ij vko';d la'kks/ku {ks=ksa vkSj ifjpkyu ekeyksa ij laosnu'khy fd, x, A cuk;k tk ldsA • çkf/kdj.k] mifLFkfr vfLRkRoksa dks fu;fer :Ik • lhth vkSj ,lth {ks= ds rgr fujh{k.k dk;kZy;ksa] ls ifjpkyu fn'kkfunsZ'kksa ds rgr fu/kkZfjr vFkkZr ihvkj,vks@MhVh, dks lykg nh xbZ xfrfof/k;ksa esa nsjh vkSj bl rjg dh nsjh ds Fkh fd os vius varfuZfgr ih,vks@MhVhvks ds dkj.k vfHknkrkvksa dks eqvkots ds Hkqxrku ds çn'kZu dh leh{kk djsa vkSj lqfuf'pr djsa fd fy, muds }kjk fjiksVZ fd, x, fopyu ij ,uih,l ls lacaf/kr xfrfof/k;ka le;c) rjhds lykg nsrk gSA ls iwjh dh tkrh gSaA • foÙk o’kZ 2021&22 ds nkSjku ,ihokbZ&ihvksiht+ • ,uih,l lajpuk ds rgr lhvkj, iz.kkyh rd ds fy, tkjh ifjpkyu fn'kkfunsZ'k 1 vçSy igqapus ds fy, ljdkjh uksMy dk;kZy;ksa }kjk 2022 ls çHkkoh fd, x,A blh rjg o’kZ viukbZ tkus okyh fMftVy lqj{kk çFkkvksa ij ds nkSjku ,uih,l ykbV&ihvksih ds fy, lykg & lhvkj, iz.kkyh ds y‚fxu ØsMsaf'k;y ifjpkyu fn'kkfunsZ'k o"kZ la'kksf/kr vkSj 1 ds mi;ksx] xSj&lk>hdj.k vkSj lqjf{kr j[kus vçSy 2022 ls ykxw fd, x,A ds laca/k esa lqj{kk çFkkvksa dks viukus ds fy, uksMy dk;kZy;ksa dks lykg nsukA • dsaæ ljdkj {ks= ds uksMy dk;kZy;ksa dks ,uih,l ds rgr xfrfof/k;ksa dks le;c) :Ik • fnukad 30-09-2021 rd dksfoM&19 egkekjh ls lqfuf'pr djus ds fy, lhlh,l ¼,uih,l½ ds dkj.k xSj&lfØ;.k dks fuf"Ø; djus ds fu;e] 2021 ds rgr çnku fd, x, fofHkUu fy, le; lhek ds foLrkj ij lykg & ,sls çko/kkuksa dk ikyu djus ds fy, leh{kk lHkh deZpkfj;ksa ls HkkSfrd lkekU; vfHknkrk cSBdksa@ckrphr ds nkSjku lykg nh xbZ FkhA iathdj.k Q‚eZ ¼lh,lvkj,Q½ ,df=r djus ds fy, uksMy dk;kZy;ksa dks lykg nsukA 139Hkkx&VII • bZ,ihokbZ eap ds ek/;e ls ,ihokbZ [kkrk • /kk[s kk/kMh+ d sf[kykQ lko/kkuh ij ukfsVl& /kk[s kcs ktka s [kksyus dk ,d fMftVy eksM 'kq: fd;k x;k }kjk i;z kxs fd, tku s oky s fofHkUu rkjS &rjhdka s FkkA fMftVy v‚ucksfMaZx dks c<+kok nsus ds ij vke turk dk s vko';d tkx:drk l s ylS vykok] ;g eap ifjokj ds lnL;ksa@ nksLrksa@ djukA ;g ukfsVl lkbcj /kk[s kk/kMh+ d s ekey s ea s 'kqHkfpardksa ds fy, cSadksa ds lkFk yhM tujs'ku miyC/k f'kdk;r fuokj.k d s rjhdk as d s ckj s e as Hkh vkSj Lokcyacu vfHknkrkvkas ds izolu dh tkudkjh çnku djrk gAS lqfo/kk iznku djrk gS] ftlesa 18 ls 40 o’kZ ds • laidZ & xzkgd tkx:drk lans'k lh/ks ekStwnk Lokcyacu vfHknkrkvksa ds fy, ,ihokbZ ih,QvkjMh, }kjk çsf"kr fd, tkrs gSaA ;g esa v‚uykbu izokl dj ldrs gSaA v|ru lwpuk rqjar Hkstdj okf"kZdh lk{kjrk • bZ&okf"kZdh lk{kjrk dk;ZØe ¼,,yih½ & dk;ZØeksa ¼,,yih½ esa vfHknkrkvksa dh Hkkxhnkjh lsokfuo`Ùk ,uih,l vfHknkrkvksa ds chp okf"kZdh c<+kus esa l{ke gS A ij tkx:drk iSnk djus ds fy, dk;ZØe A ;g okf"kZdh lsok çnkrkvksa vkSj lhvkj, ds • ;wvkbZ@;w,Dl vkSj ,fIyds'ku ijQ‚esaZl v‚fMV & ,uih,l ;wtj baVjQsl dks vfHknkrkvksa ds lkFk la;qä :i ls vk;ksftr fd;k x;kA fy, vkd"kZd vkSj vklku cukus ds mís'; • v‚uykbu isa'ku dSydqysVj & isa'ku dSydqysVj ls ;wvkbZ@;w,Dl vkSj ,fIyds'ku ijQ‚esaZl vLFkk;h isa'ku vkSj ,deq'r jkf'k dks n'kkZrk gS] v‚fMV dh ;kstuk cukbZ tk jgh gSA ;g v‚fMV ftldh ,d ,uih,l vfHknkrk ifjiDork ;k lhvkj, }kjk çnku fd, x, lHkh fMftVy 60 o’kZ dh vk;q iw.kZ gksus ij fu;fer ekfld e‚Mîwy vkSj baVjQsl dks 'kkfey djsxkA va”knku] okf"kZdh [kjhnus ds fy, iqufuZos'k dh xbZ jkf'k ds çfr'kr vkSj fuos'k ij fjVuZ ds • lwpuk lkbcj lqj{kk vuqikyu dh fuxjkuh laca/k esa vkSj p;fur okf"kZdh ij vuqekfur nj vkSj leh{kk dh ftEesnkjh] rkfd ;g lqfuf'pr ds vk/kkj ij vk”kk dj ldrk gSA fd;k tk lds fd e/;LFkksa dh lkbcj lqj{kk uhfr dk vuqikyu vkSj frekgh vuqikyu gksA • yksdiky bZ&vihy iksVZy dk fodkl & ;g ,uih,l flLVe ds çn'kZu vkSj lqj{kk eqæk vfHknkrkvksa ds fy, yksdiky ds ikl vihy dk v|ru :i gSA nk;j djus esa vklkuh vkSj ,d etcwr f'kdk;r fuokj.k çfØ;k lqfuf'pr djus ds fy,] vkbZVh • lqizfl) oäkvksa ls mHkjrh çkS|ksfxfd;ksa ij foHkkx bZ&vihy e‚Mîwy fodflr dj jgk gS] l= & foHkkx us lhbZvkjVh&bu tSls çeq[k ftls ih,QvkjMh, dh osclkbV ij 'kkfey laLFkkuksa ds lkFk lk>snkjh esa ih,QvkjMh, ds fd;k tk,xkA e‚Mîwy esa ,d mi;ksxdrkZ vf/kdkfj;ksa ds fy, dSlilZdh ds xse vk/kkfjr ds vuqdwy baVjQsl gksxk vkSj yksdiky dks fleqys'ku e‚Mîwy ds ek/;e ls lkbcj lqj{kk vihyksa dks VªSd djus vkSj mudk tokc nsus ds tkx:drk çf'k{k.k vk;ksftr fd;kA blds fy, ,d ,evkbZ,l çnku djsxkA vykok] DykmM IysVQ‚eZ ij Kku dks le`) djus] mudh vo/kkj.kk vkSj dk;Z djus ds • U;wtysVj Li‚VykbV &3 ds [kaM ikBdksa dks fy, vestWu osc lsokvksa vkSj xwxy DykmM lkbcj [krjksa vkSj loksZÙke çFkkvksa ij Kku ls dks 'kkfey djds ih,QvkjMh, ds vf/kdkfj;ksa ySl djus ds fy, tkjh fd, x, gSaA ds fy, DykmM VsDuksy‚th ij l= vk;ksftr 140okf"kZd fooj.k - 2021-22 fd;k x;k FkkA foHkkx mHkjrh çkS|ksfxfd;ksa • lhvkj, ds fMtkLVj fjdojh fMªy us ij O;k[;ku nsus ds fy, fo'ks"kK oäkvksa dks ih,QvkjMh, dh vkof/kd lykg ds vk/kkj ij vkeaf=r djus esa Hkh yxk gqvk gSA lhvkj, iz.kkyh esa yphysiu dh {kerk esa o`f) dh gSA • lhvkj, dh ,l,y, leh{kk & dsaæh; vfHkys[kiky vfHkdj.kksa ds lsok Lrj ds vuqyXud dh lwph le>kSrksa dh leh{kk djus] ifjorZu çca/ku] vuqyXud I ?kVuk çca/ku vkfn dks 'kkfey djus ds fy, ,l,y, ds v|ru dh igy dh xbZ gS rkfd isa”ku lykgdkj lfefr dk xBu vkSj isa”ku lykgdkj lfefr dh cSBdksa ds nkSjku pfPkZr eqn~ns e‚Mîwy dk Rofjr fodkl lqfuf'pr fd;k tk lds] e‚Mîwy ds çn'kZu esa eqíksa dk le;c) vuqyXud II :Ik ls fuokj.k vkSj dq'ky lsok lqfuf'pr dh jkT;okj dqy ihvksih&,liht+ tk ldsA vuqyXud • ih,QvkjMh, }kjk fofu;fer ,uih,l ç.kkyh III esa jk"Vªh; egRoiw.kZ lwpuk volajpuk ds :i esa vuqlwfp;ksa lfgr izkf/kdj.k ds okf’kZd [kkrs lhvkj, vkSj ih,Q dh igpku vkSj ewY;kaduA 141vuqyXud&I vuqyXud& I isa'ku lykgdkj lfefr dk xBu 1- Ekq[; egkizca/kd] xoZuesaV fctusl ;wfuV] DykabV vdkamV eSustesaV] VkWolZ okVlu] Hkkjrh; LVsV cSad] ubZ fnYYkh xqMxkao 2- Ikzca/kd funs”kd vkSj lhbZvks] ,u,lMh,y] 13- v/;{k] baLVhV~;wV ,Dpqjht+ vkWQ bafM;k bZ&xoZusaLk baÝkLVªDpj fyfeVsM 14- eq[; dk;Zdkjh vf/kdkjh phQ ,DlhD;wVho 3- dk;Zdkjh funs”kd ¼fjVsy cSafdax½] ,fDll cSad vkWfQlj fQDlM bude euh ekfdZV ,aM MsjhosVhol ,”kksfl,”ku vkWQ bafM;k 4- miegkys[kk fu;a=d ¼rduhdh lykg½] O;; foHkkx] foÙk eaa=ky; 15- mi lfpo ¼LFkkiuk II½] dkfeZd vkSj izf”k{k.k foHkkx 5- eq[; dk;Zdkjh vf/kdkjh vkSj iw.kZdkfyd funs”kd] ;wVhvkbZ fjVk;jesaV lksY;w”kal fyfeVsM 16- funs”kd ¼ys[kk½ Mkd foHkkx] ubZ fnYYkh 6- eq[; dk;Zdkjh vf/kdkjh] ,pMh,Qlh isa”ku 17- Jh jktho diwj] dk;Zdkjh funs”kd& lhvkbZvkbZ eSustesaV daiuh fyfeVsM dk izfrfuf/kRo djus okys xqzi ,pvkj,e feaMk baMLVªht+ fyfeVsM 7- mik/;{k vkSj izeq[k vfHkj{kk lsok,a] LVkWd gksfYMax dksiksZjs”ku vkWQ bafM;k fyfeVsM 18- Ekq[; dk;Zdkjh& Hkkjrh; cSad ,”kksfl,”ku 8- Jh fnus”k iar] fu;qDr ,dpqjh ykbQ ba”;ksjsal 19- funs”kd] ctV] Hkksiky] e/;izns”k jkT; ljdkj dksiksaZjs”ku vkWQ bafM;k 20- funs”kd ¼foÙk@ctV½] j{kk foÙk] foÙk ea=ky; 9- v/;{k] ,uih,l U;kl ds izfrfuf/k ds :i esa 10- funs”kd, us”kuy baLVhV~;wV vkWQ cSad eSustesaV] 21- Jh xkSjo “kekZ] mi dekaMsUV] lhek lqj{kk cy] iq.ks x`g ea=ky; ds izfrfuf/k ds :i esa 11- js.kqdk lkus] ,”kksfl,V izksQslj] us”kuy 22- Jh jes”k pUnz ikaMs] vuqHkkx vf/kdkjh] foÙk baLVhV~;wV vkWQ ifCyd Qkbusa”k ,aM ikWfylh LFkkiuk] jsy ea=ky; ds izfrfuf/k ds :Ik esa A ¼,uvkbZih,Qih½ izkf/kdj.k ds v/;{k vkSj lnL; isa”ku lykgdkj 12- Jh dqyhu iVsy] ofj’B chekadd vkSj funs”kd& lfefr ds insu v/;{k vkSj insu lnL; gksaxs A 142okf"kZd fooj.k - 2021-22 vuqyXud& II jkT;okj dqy ihvksih&,lih dh la[;k Ø-la jkT; dk uke 2021 2022 1 vaMeku vkSj fudksckj }hi lewg 134 136 2 vka/kzizns”k 15]796 15645 3 v:.kkpy izns”k 385 384 4 vle 5]952 5982 5 fcgkj 13]429 13476 6 paMhx<+ 526 536 7 NÙkhlx<+ 5]029 5037 8 nknjk vkSj uxj gosyh 126 127 9 neu vkSj nho 913 918 10 xksok 14]277 14424 11 xqtjkr 6]730 6938 12 gfj;k.kk 3]164 3175 13 fgekpy izns”k 2]133 2145 14 tEew vkSj d”ehj 4]295 4324 15 >kj[kaM 15]613 15661 16 dukZVd 10]916 10901 17 dsjy 11 11 18 Yk{k}hi 0 1 19 e/;izns”k 13]457 13461 20 egkjk’Vª 25]207 25216 21 Ekf.kiqj 252 511 22 Eks?kky; 544 1091 23 fetksje 235 481 24 ukxkySaM 247 495 25 jk’Vªh; jkt/kkuh {ks= fnYyh ¼ubZ fnYyh½ 5]218 10634 26 mM+hlk 10]653 21371 27 iqnqPpsjh 317 636 28 Ikatkc 10]019 20059 29 jktLFkku 10]868 21796 30 flfDde 145 145 31 RkfeyukMq 16]467 33037 32 rsyaxkuk 5]703 11569 33 f=iqjk 651 1312 34 mÙkjk[kaM 2]937 34061 35 mÙkjizns”k 30]025 33032 36 if”pe caxky 14]880 30044 dqy ¼laiw.kZ Hkkjr½ 247254 249756 uksV% lwph esa dsfQuVsd&lhvkj, ds rgr iath—r lhvkj,&,u,lMh,y vkSj vuU; ihvksih&,lih ds vkadM+s 'kkfey gSA 14331 ekpZ 2022 rd lekIr gq, o"kZ ds fy, isa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k ds [kkrksa ij Hkkjr ds fu;a=d vkSj egkys[kkijh{kd }kjk i`Fkd~ ys[kkijh{kk fjiksVZ 1- geus 31 ekpZ 2021 rd ds fy, Hkkjr ds fu;a=d vkSj egkys[kkijh{kd ds ¼dÙkZO;] “kfDr;ka vkSj lsok dh “krsZa½ vf/kfu;e 1971 dh /kkjk 19 ¼2½ vkSj mlds lkFk ifBr isa”ku fuf/k fofu;ked ,Oka fodkl izkf/kdj.k vf/kfu;e] 2013 dh /kkjk 42 ds rgr isa'ku fuf/k fofu;ked ,oa fodkl izkf/kdj.k ¼ih,QvkjMh,½ ds ml o"kZ ds fy, vk; vkSj O;; [kkrs ,oa çkfIr;ka vkSj Hkqxrku [kkrs ij layXu rqyui= dh ys[kkijh{kk dh gSA bu foÙkh; fooj.kksa ds fuekZ.k dh ftEesnkjh ih,QvkjMh, dh gS] gekjh ftEesnkjh gekjh ys[kk ijh{kk ds vk/kkj ij bu foÙkh; fooj.kksa ij jk; O;Dr djuk gSA 2- i`Fkd~ ys[kk ijh{kk fjiksVZ esa Hkkjr ds fu;a=d ,oa egkys[kk ijh{kd ¼lh,th½ dh fVIif.k;ka “kkfey gSa] tks fd loksZÙke ys[kk çFkkvksa ds oxhZdj.k] vuq:irk] ys[kkadu ekudksa vkSj çdVhdj.k ekunaMksa vkfn ds lkFk ys[kkadu mipkj ij gSA dkuwu] fu;e vkSj fofu;e ¼LokfeRo vkSj fu;ferrk½ vkSj n{krk&lg&çn'kZu igyqvksa vkfn ds vuqikyu ds laca/k esa foÙkh; ysunsu ij ys[kkijh{kk voyksdu] ;fn dksbZ gksa] rks os fujh{k.k fjiksVZ@lh,th dh ys[kkijh{kk fjiksVZ esa vyx ls fjiksVZ fd, tk,axsA 3- Hkkjr esa vkerkSj ij LohÑr ys[kkijh{kk ekudksa ds vuqlkj geus viuh ys[kkijh{kk laiUu dh gSA bu ekudksa ds vuqlkj ;g vko';d gS fd ge ys[kkijh{kk dks bl izdkj ls fu;ksftr vkSj laiUu djsa rkfd foÙkh; fooj.kksa ds =qfVeqDr gksus dk mfpr vk'oklu fn;k tk lds A ys[kkijh{kk esa ijh{k.k ds vk/kkj ij tkap] jkf'k;ksa vkSj foÙkh; oäO;ksa ds izdVhdj.k dk leFkZu djus okys lk{; 'kkfey gSaA ,d ys[kk ijh{kk esa mi;ksx fd, x, ys[kkadu fl)karksa vkSj çca/ku }kjk fd, x, egRoiw.kZ vuqekuksa dk vkdyu djus ds lkFk&lkFk foÙkh; fooj.kksa dh lexz çLrqfr dk ewY;kadu Hkh 'kkfey gksrk gSA ge ekurs gSa fd gekjh ys[kkijh{kk] gekjh jk; ds vuqlkj mfpr gS A 4- gekjh ys[kkijh{kk ds vk/kkj ij] geus ;g fjiksVZ fd;k gS fd% ¼i½ gekjh ys[kkijh{kk ds mn~ns”; gsrq vko”;d gekjh iw.kZ tkudkjh vkSj fo”okl ds vuqlkj geus fjiksVZ esa fVIif.k;ksa ds v/khu lHkh lwpuk,a vkSj Li’Vhdj.k izkIr fd, gSaA ¼ii½ bl fjiksVZ }kjk fuiVku fd, x, rqyui=] vk; vkSj O;; [kkrs vkSj jlhnsa vkSj Hkqxrku [kkrs dks isa'ku fuf/k fofu;ked ,oa fodkl çkf/kdj.k ¼ys[kksa vkSj vfHkys[kksa dh okf’kZd fooj.kh dk izk:i½ fu;eksa] 2015 esa fu/kkZfjr çk:i esa rS;kj fd;k x;k gSA ¼iii½ gekjh jk; esa] gekjh ys[kkijh{kk esa tgka rd ,slh [kkrkcfg;ksa ls izdV gksrk gS] isa'ku fuf/k fofu;ked ,oa fodkl çkf/kdj.k ¼ih,QvkjMh,½ }kjk [kkrksa vkSj vU; çklafxd vfHkys[kksa ds mfpr [kkrk cfg;ksa dks izcaf/kr fd;k x;k gS A ¼iv½ ge vkxs fjiksVZ djrs gSa fd % d- rqyui= d-1 ns;rk,a d-1-1 fu/kkZfjr@/kekZnk fuf/k;ka ¼vuqlwph &3½% # 2-50 djksM+ mijksDr esa Lokoyacu ;kstuk vkSj vVy isa”ku ;kstuk ds fy, 31 ekpZ 2022 rd] ljdkj ls izkIr :-51-46 djksM+ dk vuqiz;qDr vuqnku “kkfey ugha gSA ih,QvkjMh, ¼ys[kksa vkSj vfHkys[kksa dh okf’kZd fooj.kh dk izk:i½ 144okf"kZd fooj.k - 2021-22 fu;e] 2015 ds vuqlkj] dsanz@jkT; ljdkj ls çkIr ;kstuk fuf/k;ksa dks vyx fuf/k;ksa ds :i esa fn[kk;k tkuk pkfg, vkSj fdlh vU; fuf/k;ksa ds lkFk ugha feyk;k tkuk pkfg,A o"kZ ds nkSjku çkIr vuqnku] mlds rgr fd, x, Hkqxrku] o"kZ ds var esa viz;qDr fuf/k;ksa dks dsoy lacaf/kr fuf/k;ksa ds varxZr n'kkZ;k tkuk pkfg,A gkykafd] ;g ns[kk x;k fd o’kZ 2021&22 ds nkSjku] ih,QvkjMh, us [kkrksa dh vuqlwph&1 :-51-46 djksM+ dks vuqiz;qDr dks’k ds vafre “ks’k ds :i esa n”kkZ;k FkkA bu fuf/k;ksa dk ih,QvkjMh, ds iwathxr@dks’k fuf/k vkSj bu ij vftZr C;kt dk ih,QvkjMh, dh C;kTk fuf/k ds :i esa izn”kZu fu/kkZfjr fuf/k;ksa esa deh vkSj ekStwnk nsunkfj;ksa esa #- 51-46 djksM dh vf/kdrk dks ifj.kkfer djrk gSA ,ihokbZ ds fy, çkIr ljdkjh vuqnku vkSj Lokoyacu ;kstuk vkSj ,ihokbZ vuqnku dh 'ks"k jkf'k ij vftZr C;kt vkSj bu vuqnkuksa ls fd, x, O;; ds xyr iz;ksx us vk; vkSj O;; [kkrs dks çHkkfor fd;k gS D;ksfad ¼d½ vU; ç'kklfud O;; ¼vuqlwph&21½ ds ekeys esa & 172-09 djksM+ #i;s ls ¼[k½ vuqnku vkSj lfClMh ij O;; ¼vuqlwph &22½ ds ekeys esa 16-56 djksM+ #i;s ls ¼x½ vuqnku vkSj lfClMh ¼vuqlwph &13½ ds ekeys esa 203-00 djksM+ #i;s ¼,ihokbZ ds fy, vuqnku½ ls vkSj ¼?k½ vftZr C;kt ¼vuqlwph&17½ 0-57 djksM+ #i;s ls vf/kd iznf”kZr gqbZ gSA ,ihokbZ ds fy, çkIr ljdkjh vuqnku vkSj ml ij vftZr C;kt vkSj Lokoyacu vkSj ,ihokbZ vuqnku ls fd, x, lHkh O;; vuqlwph&3 fu/kkZfjr vkSj /kekZnk fuf/k ds ek/;e ls fd, tkus pkfg, FksA gkyk¡fd] bl folaxfr ds lVhd çHkko dh x.kuk o"kZ 2021&22 ds fy, ys[kkijh{kk eas ugha dh tk ldh D;ksfad iwoZ o’kZ ds vç;qä dks"k dk çkjafHkd 'ks"k iwoZ o’kZ ds ljdkjh vuqnku ds xyr ys[kkadu ds dkj.k xyr ik;k x;k FkkA bl eqn~ns dks 31 ekpZ 2017] 2018] 2019] 2020 vkSj 2021 dks lekIr gq, o’kksZa ds fy, ih,QvkjMh, ds [kkrksa ij i`Fkd~ ys[kkijh{kk fjiksVZ esa dbZ ckj mBk, tkus ij Hkh ih,QvkjMh, }kjk bls mi;ZqDr vuqnkuks a dks ^fu/kkZfjr@/kekZnk fuf/k;ks*a ds rgr ugha n”kkZ;k tk jgk gSA [k- vuqnku foÙk o’kZ 2021&22 ds nkSjku ih,QvkjMh, dks :-203-00 dk vuqnku izkIr gqvk vkSj bldk izkjafHkd “ks’k #-152-40 djksM+ FkkA o’kZ ds nkSjku ljdkjh vuqnku ij izkIr C;kt #- 0-57 djksM+ Fkk vkSj Lokcyacu ds rgr izkIr jkf”k :-0-001 djksM+ Fkh vkSj ,ihokbZ ds fy, izkIr jkf”k #-1-39 djksM+ FkhA foÙk o’kZ 2021&22 ds nkSjku miyC/k #-239-36 djksM+ dh dqy jkf”k ls ih,QvkjMh, us # 187-90 djksM+ ¼ftlesa #-15-84 djksM+ ds vuqnku dh okilh vkSj ljdkjh vuqnku ij vftZr #-0-73 djksM+ dk ljdkjh vuqnku “kkfey gS½ iz;qDr dh vkSj :-51-46 djksM+ “ks’k jghA x- ys[kkijh{kk fjiksVZ eas ftu dfe;ksa dks 'kkfey ugha fd;k x;k gS] mUgs a mipkjkRed@lq/kkjkRed dkjZokbZ ds fy, vyx ls tkjh çca/ku i= ds ek/;e ls çca/ku ds laKku esa yk;k x;k gSA ¼v½ iwoZorhZ vuqPNsnks a es a gekjh fVIif.k;ks a ds vk/kkj ij] ge dg ldrs gaS fd bl fjiksVZ }kjk fuiVk, x, rqyui= vkSj vk; ,oa O;; [kkrs@ jlhn vkSj Hkqxrku [kkrs] [kkrk cfg;ksa ds vuq:i gSaA ¼vi½ gekjh jk; vkSj gekjh iw.kZ tkudkjh ds vuqlkj vkSj gesa nh xbZ O;k[;kvksa ds vuqlkj] ys[kk uhfr;kssa vkSj [kkrksa ij fVIif.k;ksa ds lkFk ifBr mä foÙkh; fooj.k vkSj Åij crk, x, egRoiw.kZ ekeyksa vkSj i`Fkd~ ys[kk fjiksVZ ds vuqyXud&A eas of.kZr vU; ekeyks a ds v/khu] ;g Hkkjr eas vke rkSj ij Lohdkj fd, x, y[skkadu fl)karksas ds vuq:i ,d lgh vkSj fu"i{k –f"Vdks.k nsrs gSaA 145¼d½ vc rd ;g 31 ekpZ 2022 rd isa'ku fuf/k fofu;ked ,oa fodkl çkf/kdj.k ¼ih,QvkjMh,½ ds rqyui= ls lacaf/kr gS] vkSj ¼[k½ vc rd ;g 31 ekpZ 2022 dks lekIr o"kZ ds fy, vk; vkSj O;; [kkrs ds O;; ls vf/kd vk; ls lacaf/kr gSA Hkkjr ds egkfu;a=d vkSj ys[kkijh{kd gsrq vkSj muds }kjk ¼,l-vkg~ykfnuh iaMk½ iz/kku ys[kk funs'kd LFkku % ubZ fnYyh ¼mn~;ksx ,oa dksikZsjsV ekeys½ fnukad % 22 flracj] 2022 ubZ fnYyh 146okf"kZd fooj.k - 2021-22 vuqyXud&A d- vkarfjd ys[kk iz.kkyh dh Ik;kZIrrk ih,QvkjMh, ds vkarfjd ys[kkijh{kk foHkkx us o’kZ 2020&21 ds fy, ih,QvkjMh, ds lHkh Hkkxksa dh ys[kkijh{kk iw.kZ dh gSA o’kZ 2021&22 ds fy, vkarfjd ys[kkijh{kk izfØ;k/khu gSA vkarfjd ys[kkijh{kk dks ih,QvkjMh, dh xfrfof/k;ksa ds vkdkj vkSj izÑfr ds vuqlkj lqn`<+ gksuk pkfg,A blds vfrfjDr] o’kZ 2021&22 ds fy, ih,QvkjMh, ds [kkrksa dh ys[kkijh{kk] ih,QvkjMh, }kjk vuqca/k vk/kkj ij fu;qDr dh xbZ lunh ys[kkdkj QeZ }kjk vk;ksftr dh xbZA bles izkIr ifj.kkeksa dks ih,QvkjMh, izca/ku dks fjiksVZ dj fn;k x;k Fkk vkSj lh, QeZ ds voyksduksa ij ih,QvkjMh, }kjk dh xbZ dkjZokbZ dh fjiksVZ tek dh xbZ gSA [k- vkarfjd fu;a=.k iz.kkyh dh Ik;kZIrrk fof”k’V dkj.kksa ls izkIr vuqnku dh cqfdax ds laca/k eas vkarfjd fu;a=.k iz.kkyh esa lq/kkj dh vko”;drk gSA okmpj dk j[kj[kko] fofHkUu fu;a=.k jftLVj] lgk;rk vuqnku vkSj Loh—fr ls lacaf/kr fjd‚MZ vkSj O;; vuqeksnu esa fu;ferrk larks"ktud FkhA x- vpy vkfLr;ksa ds HkkSfrd lR;kiu dh iz.kkyh ih,QvkjMh, }kjk o’kZ ds var esa vpy vkfLr;ks a dk HkkSfrd lR;kiu vk;ksftr fd;k x;kA vpy laifÙk jftLVj eas deZpkfj;kas dh vpy laifÙk ls lacaf/kr vkfLr igpku la[;k tSls dk;kZy; dEI;wVj vkSj eksckby gaSMlsV dk mYy[sk ugha fd;k x;kA blds vfrfjDr] LØSi ds #i esa ?kksf’kr laifÙk dks fuiVk, tkus dh vko”;drk gSA ?k- oLrqlwph ds HkkSfrd lR;kiu dh iz.kkyh foÙk o’kZ 2021&22 ds fy, oLrqlwfp;ks a dks ^”kwU;* n”kkZ;k x;k gSA M-½ oS/kkfud ns; jkf'k;ks a ds Hkqxrku eas fu;ferrk ys[kkijh{kk esa izLrqr vfHkys[kkas ds vuqlkj 31-03-2022 rd ds vuqlkj 6 eghus ls dksbZ oS/kkfud cdk;k jkf”k ugha gSA funs'kd 147vuqyXud x i`Fkd~ ys[kkijh{kk fjiksVZ ij ih,QvkjMh, dh fVIif.k;ka ¼okf"kZd fjiksVZ esa izdkf'kr fd;k tkuk gS½ i`Fkd~ ys[kkijh{kk fjiksVZ ds fcanq d-1-1 vkSj vuqyXud ds fcanq [k vkSj x ds fy, ;g mYys[k djuk mi;qä gS fd ih,QvkjMh, ¼ys[kksa vkSj vfHkys[kksa dh okf"kZd fooj.kh dk çk:i½ fu;e] 2015 ¼^fu;e*½ dks] isa'ku fuf/k fofu;ked ,oa fodkl çkf/kdj.k vf/kfu;e] 2013 ¼2013 dk 23½ dh /kkjk 42 dh mi/kkjk¼1½ ds lkFk ifBr /kkjk 51 dh mi/kkjk ¼2½ ds [kaM ¼t½ ds rgr varfuZfgr 'kfä;ksa dk ç;ksx djrs gq,] Hkkjr ds fu;a=d vkSj egkys[kk ijh{kd ¼lh,aM,th½ ds ijke'kZ ls] dsaæ ljdkj }kjk vf/klwfpr fd;k x;k gSA okf"kZd [kkrksa ds çi= vkSj vuqlwfp;ka mi;qZä fu;eksa ds rgr fu/kkZfjr fd, x, gSa] ftuesa Lokoyacu ;kstuk ds varxZr O;;ksa dks vuqlwph 21 vFkkZr~ vU; ç'kklfud [kpZ ds rgr n'kkZ;k x;k gSA blh rjg] çkIr vuqnku@ lgk;dh dks vuqlwph 13 ¼vuqnku @lgk;dh½ ds rgr n'kkZ;k x;k gS] tks vk; vkSj O;; [kkrs dk fgLlk gSA rnuqlkj] Lokoyacu vkSj ,ihokbZ ;kstuk ds rgr vuqnku vkSj O;; dks ih,QvkjMh, dh [kkrksa cfg;ksa esa vk; vkSj O;; ekuk x;k gSA ;g mipkjkRed dkjZokbZ mi;ZqDr ^fu;eksa* ds vuqlkj dh xbZ gS % blds vfrfjDr] fof”k’V dkj.kksa ls izkIr vuqnku cfg;ksa ds laca/k esa vkarfjd fu;a=.k iz.kkyh ij] ;g mYys[k fd;k tkrk gS fd ih,QvkjMh, us ljdkjh vuqnku ds fy, i`Fkd~ vfHkys[k] [kkrk cfg;ka vkSj cSad [kkrs izcaf/kr fd, gSaA ifj.kkeLo:i] ekStwnk vkarfjd fu;a=.k iz.kkyh mi;qDr gSA vpy laifÙk;ksa dh HkkSfrd lR;kiu iz.kkyh ds laca/k esa] ;g mYys[k fd;k tkrk gS fd vkfLr;ka izR;sd o’kZ ds var esa lR;kfir dh tkrh gSa vkSj fdlh izdkj ds xSj&igpku dk ekeyk lkeus ugha vk;k gSA vkarfjd ys[kkijh{kk dks ih,QvkjMh, dh xfrfof/k;ksa ds vkdkj vkSj izÑfr ds vuqlkj lqn`<+ cuk;k tk jgk gSA LØSi ds #i esa ?kksf’kr laifÙk dk le;&le; ij fuiVku fd;k tk jgk gSA 148okf"kZd fooj.k - 2021-22 vuqyXud III Ikzi= d ¼fu;e 3 ¼d½ ns[ksa½ Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k 31 ekpZ 2022 rd 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 1 1- vPky laifÙk;ka 8 HkaMkj 1,90,00,61,056 1,24,50,15,689 ldy CykWd 1,00,15,22,291 51,07,47,779 2- vkjf{kr 2 - - de ewY;gzkl vf/k”ks’k 2,36,41,478 1,79,49,562 dqy CykWd 97,78,80,813 49,27,98,216 3- fu/kkZfjr @ 3 2,50,13,267 2,35,02,420 /kekZnk fuf/k 2-fu/kkZfjr@ 9 2,43,88,564 2,26,95,680 cankscLrh dks’k ls fuos”k 4 - - 4- lqjf{kr _.k vkSj m/kkjh 3 fuos”k&vU; 10 77,44,56,001 51,71,31,221 5- vlqjf{kr _.k 5 - - vkSj m/kkjh 4-ekStwnk ifjlaifÙk] 11 76,96,59,660 65,71,01,148 _.k] vfxze jkf”k vkfn 6- vkLFkfxr 6 - - _.k vkSj nsunkfj;ka 5- fofo/k O;; - - ¼dqN gn rd ugha fy[ks ;k lek;ksftr fd, x,½ 7- ekStwnk 7 62,13,10,715 42,12,08,157 nsunkfj;ka vkSj izko/kku dqy 2,54,63,85,038 1,68,97,26,266 dqy 2,54,63,85,038 1,68,97,26,266 uksV%& rqyu i= esa lHkh vuqlwfp;ka [kkrs dk fgLlk gSaA LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 149vuqyXud&III Ikzi= [k ¼fu;e 3 ¼[k½ ns[ksa½ Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k 01 vizSy 2021 ls 31 ekpZ 2022 rd dh vof/k ds fy, vk; vkSj O;; dk ys[kk&tks[kk ¼bdkbZ&Hkkjrh; #i;k½ nsunkfj;ka lwph ekStwnk o"kZ iwoZ o"kZ laifÙk lwph ekStwnk o"kZ iwoZ o"kZ 1-LFkkiuk O;; 20 35,03,34,730 17,46,71,424 1- fcØh@lsokvksa ls vk; 12 - - 2- vU; iz”kklfud O;; 21 2,06,49,41,748 3,94,46,05,711 2- vuqnku@vuo`fÙk 13 2,03,00,00,000 2,73,00,00,000 vkfn 3-vuqnku lfClMh ij O;; 22 16,56,53,252 13,79,89,642 3-“kqYd@lnL;rk 14 1,33,58,93,795 59,16,36,861 vkfn 4- C;kt 23 5,993 11,413 4-fuos”kksa ls vk; ¼fu/ 15 - - kkZfjr@cankscLrh fuf/k ds gLrkarj.k ls fuos”k ij vk; 5- ewY;gzkl ¼ o’kZ ds var 59,63,505 33,18,117 5-jkW;YVh] izdk”ku vkfn 16 - - esa dqy&vuqlwph 8 ds ls vk; rnuqlkj½ 6-vftZr C;kt 17 4,43,38,224 7,16,33,290 7-vU; vk; 18 22,92,607 32,58,192 8-rS;kj eky vkSj dke 19 - - esa izxfr ds “ks;j esa o`f)@¼deh½ dqy 2,58,68,99,228 4,26,05,96,306 dqyww 3,41,25,24,626 3,39,65,28,342 vk; dk “kss’k O;; ls 82,56,25,398 (86,40,67,964) vf/kd fo”ks’k vkjf{kr dks - - LFkkukarfjr izR;sd fufnZ’V djsa½ lkekU; vkjf{kr dks@ls - - LFkkukarfjr “ks’k dks vf/k”ks’k@?kkVk ds :i esa dks’k @iwath 82,56,25,398 (86,40,67,964) fuf/k esa j[kk x;k egRoiw.kZ ys[kkadu uhfr 24 vkdfLed ns;rk,a vkSj 25 ys[kk&tks[kk ij uksV~l uksV%& rqyu i= esa lHkh vuqlwfp;ka [kkrs dk fgLlk gSaA LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 150okf"kZd fooj.k - 2021-22 Ikzi= x ¼fu;e 3 ¼x½ ns[ksa½ Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k 01 vizSy 2021 ls 31 ekpZ 2022 ds fy, izkfIr vkSj Hkqxrku [kkrk ¼bdkbZ&Hkkjrh; #i;k½ Ø-la- vkorh 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 5,313 (a) LFkkiuk ij [kpZ 32,27,78,542 18,42,94,163 ([k) cSad cSysal (b) ç'kklfud O;; 29,16,93,067 22,97,03,303 ¼i½ pkyw [kkrksa esa - - 2. mi;ksx fd, x, vuqnku ¼ii½ vkof/kd tek [kkrksa esa - - (a) Lokoyacu ;ksxnku (6,420) (9,887) ¼iii½ cSad tek [kkrksa es s 40,01,42,196 1,55,64,94,648 (b) Lokoyacu izpkj 1,13,82,300 54,79,000 2. izkIr vuqnku (c) jk’Vªh; isa”ku iz.kkyh U;kl dks vuqnku - - (i) Hkkjr ljdkj l (d) ,ihokbZ va”knku (1,39,10,719) 1,55,02,17,812 ¼d½vuqnku lgk;rk osru - - (e) ,ihokbZ lao/kZu ,oa fodkl 1,70,20,29,612 2,22,89,29,841 ¼[k½vuqnku&lgk;rk&lkekU; - - (f) vuqnku dh okilh 15,84,00,000 - (g) C;kt dh okilh 72,53,252 13,79,89,642 ¼x½ vuqnku lgk;rk&Lokoyacu ;ksxnku - - (h) vU; ¼,ulh,QbZ½ - - ¼?k½ vuqnku lgk;rk&Lokoyacu izksRlkgu - - 3. fuos'k vkSj tek jkf”k vkSj fodkl xfrfof/k;ka ¼M-½vuqnku lgk;rk ,ihokbZ va'knku - 1,01,00,00,000 (a) fu/kkZfjr@/kekZnk fuf/k ls ckgj 4,00,000 1,00,000 ¼p½ vuqnku lgk;rk ,ihokbZ lao/kZu ,oa 2,03,00,00,000 1,72,00,00,000 (b) Lo;a ds /ku ls ckgj ¼fuos'k & vU;½ 25,73,24,780 (22,04,88,979) fodkl ¼N½ vU; - - 4. vpy laifÙk;ksa vkSj pkyw dke ij yxh iawth ij O;; (ii) jkT; Lkjdkj ls (a) vpy laaifÙk;kssa dh [kjhn 12,27,422 27,38,818 ¼d½vuqnku lgk;rk osru - - (b) pkyw dke ij yxh iawth ij O;; 48,01,94,460 48,01,94,519 ¼[k½vuqnku&lgk;rk&lkekU; - - 5. vf/k'ks"k iSls @ _.kksa dh okilh ¼x½ vuqnku lgk;rk&Lokoyacu - - (a) jk’Vªh; isa”ku iz.kkyh U;kl ls olwyh - - ;ksxnku ¼?k½ vuqnku lgk;rk&Lokoyacu izksRlkgu - - (b) jkT; ljdkj dks - - vkSj fodkl xfrfof/k;ka ¼M½ vU; - - (c) /ku ds vU; çnkrkvksa dks - - (iii) vU; Lkzksrksa ls - - 6. foÙk “kaqYd ¼C;kt½ 3. fuos”k ij vk; (a) cSad “kqYd 5,993 11,413 (d) fu/kkZfjr@cankscLrh /ku 4,616 4,648 (b) vU; - - ([k) Lofuos”k ¼vU; fuos”k½ - - 7. vU; Hkqxrku ¼fufnZ"V½ 4. izkIr C;kt (a) çhisM 49,45,765 14,56,743 (d) cSad tekjkf'k;ksa ij 5,25,43,693 6,43,63,126 (b) _.k @ m/kkj deZpkfj;ksa ds fy, 1,42,591 2,53,091 ([k) _.k] m/kkj vkfn - - (c) [kpksZa ds fy, vfxze jkf”k 3,90,10,557 1,86,92,191 (x) vU; ¼_.k ij C;kt½ - - (d) lqj{kk tek 9,82,000 5. vU; vk; ¼fufnZ"V½ 8. vafre “ks’k (d) okf’kZd “kqYd 1,30,56,29,042 59,18,98,251 (a) udn 12,291 20,000 ([k) fofo/k lsokvksa ls izkIr vk; 1,54,91,724 3,33,99,991 (b) cSad vfr”ks’k (x) fofo/k vk; 18,77,272 32,52,531 (i) pkyw [kkrksa esa 6 m/kkj yh xbZ jkf'k - - (ii) le; tek [kkrksa esa 7 dksbZ Hkh vU; jlhn (iii) cpr cSad tek [kkrksa esa 59,31,07,928 40,01,42,196 (d) lqj{kk @bZ,eMh jlhn 50,000 68,000 ([k) m/kkj dh olwyh 1,61,51,168 3,87,40,504 (x) laifÙk ds gLrkarj.k - 1,23,567 (?k) vfHknkrk f'k{kk vkSj laj{k.k fuf/k 3,63,711 1,30,746 (p) vU; 3,47,00,000 12,42,540 dqy 3,85,69,73,421 5,01,97,23,865 dqy 3,85,69,73,421 5,01,97,23,865 uksV%& rqyu i= esa lHkh vuqlwfp;ka [kkrs dk fgLlk gSaA LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 151vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 1 31 ekpZ 2022 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 1,24,50,15,689 92,90,86,573 tksM+s% viz;qDr dks’k fuf/k dh “kq#vkrh “ks’k jkf”k 34,40,05,696 1,52,40,02,776 de% viz;qDr dks’k fuf/k dh lekiu “ks’k jkf”k 51,45,85,726 34,40,05,696 tksM+s@ “kq) vk; O;; dh “ks’k jkf”k tks vk; vkSj 82,56,25,398 (86,40,67,964) ?kVk,a% O;; [kkrs 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 1,90,00,61,056 1,24,50,15,689 LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 152okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 2 31 ekpZ 2022 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- U;wu % o’kZ ds nkSjku dVkSrh - - 2. iquewZY;kadu vkjf{kr d- o’kZ ds vkjaHk esa - - [k- o’kZ ds nkSjku tksM+uk - - x- U;wu % 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- U;wu % o’kZ ds nkSjku dVkSrh - - 4. lkekU; vkjf{kr d- o’kZ ds vkjaHk esa - - [k- o’kZ ds nkSjku tksM+uk - - x- U;wu % o’kZ ds nkSjku dVkSrh - - dqy - - LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 153vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 3 31 ekpZ 2022 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk HkaMkj vkSj vf/k'ks"k ¼bdkbZ&Hkkjrh; #i;k½ fooj.k vfHknkrk f'k{kk vkSj laj{k.k fuf/k ekStwnk o"kZ iwoZ o"kZ 1. 1- /ku dh izkjafHkd “ks’k jkf”k 2,35,02,420 2,19,93,893 2. 2- /ku esa tksM+ ¼d½ nku@vuqnku - - ¼[k½ /ku ds [kkrs esa fd, fuos”k ij vk; 11,47,136 13,77,781 ¼x½ o’kZ ds nkSjku vkorh 3,63,711 1,30,746 ¼?k½ vU; tksM+ ¼izÑfr mfYyf[kr djsa½ dqy 2,50,13,267 2,35,02,420 (1+2) 3. fuf/k;ksa ds mn~ns”;ksa dh fn”kk esa mi;ksx@O;; ¼d½ iwathxr O;; i. vpy laifÙk;k¡ - - ii. vU; laifÙk;k¡ - - dqy - - ¼[k½ jkTkLo O;; i- osru] etnwjh vkSj HkRrk vkfn - - ii- fdjk;k - - iii-vU; iz”kklfud [kpZ - - dqy - - dqy (3) - - Lkky ds var esa 'kq+) cSysal 2,50,13,267 2,35,02,420 (1+2-3) LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 154okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 4 31 ekpZ 2022 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 i- lkof/k _.k - - ii- vftZr C;kt vkSj ns - - 4. cSad i- lkof/k _.k - - &vftZr C;kt vkSj ns; ii- 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 % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 155vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 5 31 ekpZ 2022 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 i- lkof/k _.k - - ii- vU; _.k ¼fufnZ’V½ - - 4. cSad i- lkof/k _.k - - ii- vU; _.k ¼fufnZ’V½ - - 5. vU; laLFkku - - 6. fMcsapj vkSj ckaM - - 7. lkof/k tek - - 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 2022 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. iwath midj.kksa vkSj vU; vkfLr;kasa dh miizk/kh;u - - }kjk lqjf{kr LohÑfr;ka 2. vU; - - dqy - - LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 156okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 7 31 ekpZ 2022 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 ekStwnk ns;rk,a 1. LohÑfr;ka - - 2. QqVdj ysunkj vkSj nsunkfj;ka 2,18,45,986 3,48,32,981 3. m/kkj izkIr 3,47,00,000 - 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; 29,74,117 16,37,083 6. vU; pkyw nsunkfj;ka d- Hkkjr ljdkj dks ns; viz;qDr vuqnku ds :i eas 51,45,85,726 34,40,05,696 [k- vU; % lqj{kk tek 56,17,000 65,99,000 dqy 57,97,22,829 38,70,74,760 izko/kku 1. djk/kku ds fy, - - 2. ,sfPNd nku 58,19,474 97,50,718 3. O;kikj okjafV;ka@nkos - - 4. lafpr NqV~Vh udnhdj.k 3,46,63,549 2,38,13,861 5. isa”ku va”knku ns; 6,12,543 - 6. NqV~Vh udnhdj.k ns; - - 7. vU;& fofufnZ’V 4,92,320 5,68,818 dqy 4,15,87,886 3,41,33,397 dqy ;ksx 62,13,10,715 42,12,08,157 LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 157vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 8 31 ekpZ 2022 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk vpy laifÙk ¼bdkbZ&Hkkjrh; #i;k½ fooj.k dqy laifÙk;ka ewY;gkl dqy CykWd Ok"kZ ds vkjaHk Ok"kZ ds nkSjku Ok"kZ ds nkSjku Ok"kZ ds var Ok"kZ ds vkjaHk Ok"kZ ds fy, Ok"kZ ds nkSjku dqy o"kZ ds Pkkyw Ok"kZ ds iwoZ Ok"kZ ds esa ykxr@ ifjo/kZu dVkSrh esa ykxr@ ds #i esa dVkSrh ij var rd #i esa #i esa ewY;kadu ds ewY;kadu ds #i esa #i esa vPky laifÙk;ka 1- Hkwfe d- ÝhgksYM - - - - - - - - - - [k- iV~Vsnkjh - - - - - - - - - - 2- fcfYMax - - d- ÝhgksYM tehu ij - - - - - - - - - - [k- iV~Vsnkjh tehu ij - - - - - - - - - - x- LokfeRo ¶ySV@ - - - - - - - - - - ifjlj tehu ij ?k-lqijLVªDpj tks fdlh - - - - - - - - - - bdkbZ ls lacaf/kr ugha 3-la;a= e”khujh vkSj - - - - - - - - - - midj.k 4-okgu 13,18,102 9,38,781 - 22,56,883 7,52,148 2,25,710 - 9,77,858 12,79,025 5,65,954 5-QuhZpj rFkk vyekfj;ka 45,29,866 7,29,596 52,59,462 23,86,859 2,35,922 - 26,22,781 26,36,681 21,43,008 6- dk;kZy; midj.k 87,44,674 24,19,347 3,28,155 1,08,35,866 38,93,710 9,84,263 91,063 47,86,909 60,48,957 48,50,964 7-daI;wVj@lgk;d 1,55,64,767 71,05,504 2,97,073 2,23,73,199 1,05,76,362 45,00,078 1,80,527 1,48,95,914 74,77,285 49,88,405 midj.k 8-fo|qr izfr’Bku 1,51,908 12,052 1,63,960 1,35,870 1,801 1,37,671 26,289 16,038 9- ykbczsjh dh fdrkc 2,43,942 - 2,43,942 2,04,614 15,731 - 2,20,345 23,597 39,328 10- vU; vpy laifÙk;ka - - - - - - - - - - Pkkyw o"kZ dk dqy 3,05,53,260 1,12,05,280 6,25,228 4,11,33,312 1,79,49,562 59,63,505 2,71,590 2,36,41,478 1,74,91,834 1,26,03,697 fiNyk o"kZ 2,49,07,112 81,00,381 24,54,233 3,05,53,260 1,64,02,729 33,18,117 17,71,283 1,79,49,562 1,26,03,697 85,04,383 iwqthdk;Z esa izxfr 48,01,94,519 48,01,94,460 - 96,03,88,979 - - 96,03,88,979 48,01,94,519 - - dqy 97,78,80,813 49,27,98,216 LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 158okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 9 31 ekpZ 2022 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 2,43,88,564 2,26,95,680 7. vU; ¼fufnZ’V djsa½ - - dqy - - Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 10 31 ekpZ 2022 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 ¼dksV ugha fd, x,½ Uks”kuy lsaVj QkWj Qkbusaf”k;y ,tqds”ku ¼,ulh,QbZ½ ds bfDoVh “ks;j% 10]00]00]000@& de % ljdkjh vuqnku ls fd;k x;k fuos”k % 1.00 1.00 9]99]99]999@& 4. fMcsapj vkSj ckaM - - 5. lgk;d daifu;ka vkSj la;qDr m|e - - 6. lkof/k tek 77,44,56,000 51,71,31,220 7. vU; ¼fufnZ’V djsa½ - - dqy 77,44,56,001 51,71,31,221 LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 159vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 11 31-03-2022 dks 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 d½-orZeku laifÙk;ka 1. eky% d½ lafpr vkSj vfrfjDr - - [k½ f”kfFky midj.k - - [k½ fcØh ds fy, eky rS;kj eky - - dk;Z izxfr ij gS - - dPpk eky - - 2. fofo/k nsunkj% d- 6 eghus dh vof/k ds fy, cdk;k _.k - - [k½ vU; - - 3. udnh 12,291 20,000 4. cSad cSyasl d½ vuqlwfpr cSadksa ds lkFk i) pkyw [kkrksa ij - - ii) le; tek [kkrksa ij - - iii) cpr cSad tek [kkrksa ij 59,31,07,928 40,01,42,196 [k½ xSj&vuqlwfpr cSadksa ds lkFk i) pkyw [kkrksa ij - - ii) le; tek [kkrksa ij - - iii) cpr cSad tek [kkrksa ij - - 5. Mkd?kj&cpr [kkrs - - 6. vU; - - dqy ¼d½ 59,31,20,219 40,01,62,196 ¼[k½-_.k] m/kkj vkSj vU; ifjlaifÙk;ka% 1. _.k% d½ LVkWQ 2,38,000 2,60,000 [k) vU; laLFkk] tks laLFkk dh rjg ds xfrfof/k;ksa@mn~ns”;ksa esa layXu gS% - - x) 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 d½ iwath [kkrs ij - - [k½ iwoZHkqxrku ¼iwoZnRr [kpZ½ 49,45,765 14,70,350 x½ lqj{kk tek 39,64,480 38,47,500 ?k½ vU; 4,69,79,735 13,73,66,838 3. vk; vftZr mfn’V vkSj /kekZnk fuf/k ls fuos”k ij 4,84,302 6,34,666 vU;&ij fuos”k 2,50,39,998 3,32,45,467 _.kksa rFkk m/kkjksa ij - - vU; ¼blesa vpsruh; jkf”k #------------Hkh “kkfey gSA ½ 9,48,87,162 8,01,14,133 4. izkfIr ;ksX; nkos - - dqy ¼[k½ 17,65,39,442 25,69,38,953 dqy ;ksx ¼d½+¼[k½ 76,96,59,660 65,71,01,148 vk'kh"k dqekj Hkkjrh eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 160okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 12 31 ekpZ 2022 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; ¼ad½rS;kj eky dh fcØh - - ¼[k½ dPps eky dh fcØh - - ¼x½ dckM+ dh fcØh - - 2. lsokvksa ls vk; ¼ad½ Je vkSj izlaLdj.k “kqYd - - ¼[k½ O;olkf;d@ijke”kZ lsok,a - - ¼x½ ,stsalh deh”ku vkSj czksdjst - - ¼?k½ j[kj[kko lsok,a ¼midj.k@laifÙk½ - - ¼M½ vU; ¼fufnZ’V djsa½ - - dqy - - Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 13 31 ekpZ 2022 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk vuqnku@vuo`fÙk ¼bdkbZ&Hkkjrh; #i;k½ fooj.k ekStwnk o"kZ iwoZ o"kZ fLFkj vuqnku@vuo`fÙk 1. dsanz ljdkj 2,03,00,00,000 2,73,00,00,000 2. jkT; ljdkj - - 3. ljdkjh vfHkdj.k - - 4. laLFkku@dY;k.kdkjh fudk; - 5. varjkZ’Vªh; laxBu - - 6. vU; ¼fufnZ’V djsa½ - - dqy 2,03,00,00,000 2,73,00,00,000 vk'kh"k dqekj Hkkjrh eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 161vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 14 31 ekpZ 2022 dks rqyu i= ls tqM+uk vkSj mldk fgLlk cuuk 'kqYd@lnL;rk ¼bdkbZ&Hkkjrh; #i;k½ fooj.k ekStwnk o"kZ iwoZ o"kZ 1. izos'k 'kqYd - - 2. okf"kZd 'kqYd 1,32,04,02,071 55,83,36,870 3. dk;Zdze 'kqYd - - 4. lykgdkjh 'kqYd - - 5. vuq+Kk 'kqYd - - 6. vU; lsokvksa 'kqYd 1,54,91,724 3,32,99,991 7. vU; - - dqy 1,33,58,93,795 59,16,36,861 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 15 1 viSzy 2021 ls 31 ekpZ 2022 rd esa vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds :i esa izLrqr gksuk fuos'k ls vk; ¼mfí"V vkSj /kekZnk fuf/k;ksa ds fuf/k eas gLrkarj.k ls fuos'k vk;½ 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; 11,47,136 13,77,781 - - 2. YkkHkka”k d- “ks;jksa ij - - - - [k- E;wpqvy QaM ij - - - - x- vU; - - - - 3. fdjk;k - - - - 4. vU; ¼fufnZ’V djsa½ - - - - dqy 11,47,136 13,77,781 - - mfí"V vkSj /kekZnk fuf/k dks gLrkarfjr 11,47,136 13,77,781 dqy 'ks"k - - - - vk'kh"k dqekj Hkkjrh eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 162okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 16 01 vizSy 2021 ls 31 ekpZ 2022 rd esa vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds :i esa izLrqr gksuk 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 01 vizSy 2021 ls 31 ekpZ 2022 rd esa vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds :i esa izLrqr gksuk 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 3,32,69,079 5,69,67,150 [k- xSj vuqlwfpr cSadksa ds lkFk - - x- laLFkkuksa ds lkFk - - ?k- vU; - - 2. cpr cSad tek [kkrksa ij d- vuqlwfpr cSadksa ds lkFk 1,10,69,145 1,46,66,140 [k- xSj vuqlwfpr cSadksa ds lkFk - - x- Mkd?kjksa ds lkFk - - ?k- vU; 3. _.k ij% d- deZpkjh@LVkWQ - - [k- vU; - - 4. nsunkj rFkk vU; izkfIr;ksa ij C;kt - - dqy 4,43,38,224 7,16,33,290 lzksr ij dj dVkSrh dk ladsr fn;k tk, vk'kh"k dqekj Hkkjrh eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 163vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 18 1 viSzy 2021 ls 31 ekpZ 2022 rd esa vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds :i esa izLrqr gksuk fuos'k ls vk; ¼mfí"V vkSj /kekZnk fuf/k;ksa ds fuf/k eas gLrkarj.k ls fuos'k vk;½ ¼bdkbZ&Hkkjrh; #i;k½ fooj.k ekStwnk o"kZ iwoZ o"kZ 1. 1- ifjlaifÙk;ksa dh fcØh@fuiVku ij ykHk ¼d½ LokfeRo okyh laifÙk - - ¼[k½ vuqnku ls ijs ;k fu%”kqYd izkIr laifÙk - - 2. 2- fu;kZr izksRlkgu olwy - - 3. 3- fofo/k lsokvksa ds fy, “kqYd - - 4. 4- fofo/k vk; 22,92,607 32,58,192 dqy 22,92,607 32,58,192 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 19 1 viSzy 2021 ls 31 ekpZ 2022 rd esa vk; rFkk O;; [kkrs ls tqM+uk rFkk mlds Hkkx ds :i esa izLrqr gksuk 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 &rS;kj eky - - &dk;Z izxfr ij - - ¼[k½ de& “kq#vkrh LVkWd &rS;kj eky - - &dk;Z izxfr ij - - dqy o`f)@¼deh½ ¼d&[k½ - - LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 164okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 20 1 viSzy 2021 ls 31 ekpZ 2022 rd esa 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 ifjJfed 28,82,46,416 14,82,88,879 2. HkRrk vkSj cksul - - 3. Hkfo’; fuf/k va”knku - - 4. isa”ku ds fy, va”knku 2,37,73,295 1,28,32,661 5. deZpkjh dY;k.k O;; - - 6. deZpkjh dh lsokfuo`fÙk vkSj vkof/kd ykHk ij O;; - - 7. NqV~Vh dk osru 2,94,56,283 85,83,969 8. V~;w”ku “kqYd vnk;xh - - 9. fpfdRlk vnk;xh 38,05,100 30,50,143 10. xzsP;qVh ;ksxnku 50,53,636 19,15,771 11. vU; ¼fof”k’V½ - - dqy 35,03,34,730 17,46,71,424 165vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 21 1 viSzy 2021 ls 31 ekpZ 2022 rd esa 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 vakrfjd ifjogu - - 4. fctyh vkSj ikoj 17,72,164 16,47,876 5. ty “kqYd 6,86,823 5,69,522 6. chek 17,99,867 18,44,892 7. ejEer vkSj j[kj[kko 56,36,902 64,00,678 8. mRikn “kqYd - - 9. fdjk;k] njsa vkSj dj 8,14,43,062 7,34,71,187 10. pyrs okgu vkSj mudk j[kj[kko 2,35,48,764 1,36,94,318 11. Mkd] VsyhQksu vkSj lapkj ds “kqYd 69,75,702 52,08,044 12. eqnz.k vkSj LVs”kujh 16,38,459 14,80,358 13. ;k=k vkSj okgu [kpsZ 72,05,131 6,71,399 14. lsfeukj@dk;Z”kkyk,a@cSBdksa vkSj lEesyuksa ij O;; 81,13,200 2,48,36,439 15. lnL;rk [kpZ - - 16. Qhl vkSj O;; - - 17. ys[kk ijh{kdksa dk ikfjJfed 3,49,702 2,46,160 18. vkfrF; [kpZ - - 19. is”ksoj “kqYd 6,52,30,823 3,50,12,958 20. iqLrdsa vkSj if=dk,a 3,03,304 1,73,652 21. HkrhZ [kpZ 1,05,24,747 80,36,941 22. vk”kks/; vkSj lafnX/k _.k@ m/kkj ds fy, izko/kku - - 23. ladyudÙkkZ ds fy, izksRlkgu jkf”k 1,13,82,300 54,79,000 24. Lokcyacu ljdkjh va”knku (6,420) (9,887) 25. ,ihokbZ ljdkjh va”knku (1,39,10,719) 1,55,02,17,812 26. mifLFkfr vfLrRo dks izkssRlkgu jkf”k - - 27. vizfryH; “ks’k jkf”k dk ys[kk tks[kk - - 28. iSfdax [kpZ - - 29. ÝsV vkSj vxzs’k.k [kpZ - - 30. forj.k [kpZ - - 31. foKkiu vkSj izpkj [kpZ 11,85,32,178 1,93,47,176 32. lnL;rk “kqYd 5,87,305 32,68,640 33. deZpkjh dY;k.k 14,83,833 8,35,661 34. dalYVsalh [kpZ 34,90,294 27,65,685 35. ,ihokbZ izpkj 5,18,24,736 6,19,500 36. ,ihokbZ ds fy, izksRlkgu jkf”k 1,67,16,09,750 2,18,76,32,920 37. cSBd “kqYd - 38. vU; ¼osclkbV “kqYd [kpZ] fuf/k izca/ku “kqYd] dEI;wVj lkexzh½ 47,19,842 11,54,779 dwqy 2,06,49,41,748 3,94,46,05,711 LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 166okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 22 1 viSzy 2021 ls 31 ekpZ 2022 rd esa 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 d- vuqnku dh okilh 15,84,00,000 - [k-C;kt+ dh okilh 72,53,252 13,79,89,642 dqy 16,56,53,252 13,79,89,642 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 23 1 viSzy 2021 ls 31 ekpZ 2022 rd esa 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 5,993 11,413 4. vU; ¼fof”k’V½ - - dqy 5,993 11,413 LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 167vuqyXud&III Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 24 31 ekpZ 2022 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 Lokoyacu ;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 tkrk jgk gSA foÙk o’kZ 2021&22 ds fy, U;klh cSad vkSj dsanzh; vfHkys[kiky vfHkdj.kksa ls “kqYd dh x.kuk chekafdd vk/kkj ij dh dh xbZ gSA 2- ljdkjh vuqnku ljdkjh vuqnku dh x.kuk izkfIr ds vk/kkj ij dh tkrh gSA fof'k"V laifÙk ls lacaf/kr ljdkjh vuqnku dks lacaf/kr ifjlaifÙk;ksa ds ldy ewY; ls dVkSrh ds :i esa fn[kk;k x;k gS] muds cqd oSY;w ij igqapus esa vkSj lacaf/kr ifjlaifÙk;ksa dks ekewyh ewY; ij rqyui= esa fn[kk;k x;k 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 deZpkfj;ksa ds lsokfuo`fÙk ykHkksa vFkkZr~ vuqnku vkSj NqV~Vh udnhdj.k dks Hkkjrh; thou chek fuxe ls yh xbZ lewg vuqnku ;kstuk vkSj lewg NqV~Vh udnhdj.k ds rgr doj fd;k x;k gS A 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 jktLo [kpZ ds :i esa ekuk tkrk gSA LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 168okf"kZd fooj.k - 2021-22 Iksa'ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vuqlwph 25 01 vizSy] 2021 ls 31 ekpZ 2022 dh vof/k ds fy, [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 31-03-2022 ij dksbZ vkdfLed ns;rk ugha gSA 2- orZeku ifjlaifÙk;ka] _.k vkSj m/kkj ekStwnk ifjlaifÙk;kas] _.k vkSj m/kkj dk ewY; de ls de rqyui= esa fn[kkbZ xbZ dqy jkf”k ds cjkcj ewY; dk gSA 3- djk/kku isa”ku fuf/k fofu;ked vkSj fodkl izkf/kdj.k vf/kfu;e 2013 dh /kkjk 34 ds ifjizs{; esa] izkf/kdj.k vius /ku] vk; ykHk ;k YkkHk ds laca/k esa laifÙk dj] vk;dj ;k fdlh vU; dj dk Hkqxrku djus ds fy, mÙkjnk;h ugha gksxkA rnuqlkj] bl rjg dk dksbZ izko/kku ys[kk cfg;ksa esa iznku ugha fd;k x;k gSA 4- 31-03-2022 rd ds viz;qDr ljdkjh vuqnku dks izeq[k ekStwnk nsunkfj;ksa vkSj izko/kku ds rgr n”kkZ;k x;kA 5- fiNys o’kZ ds fy, lacaf/kr vkadM+ksa dks tgk¡ vko”;d Fkk] iqu%lewghÑr@iqu%izcaf/kr fd;k x;kA 6- vuqlwph 1 ls 25 dks 31-03-2022 ds rqyui= ds #i esa ,df=r fd;k x;k vkSj bls rqyui= ds ,d vfHkUu vax ds :Ik esa izLrqr fd;k x;k vkSj 01-04-2021 ls 31-03-22 rd dh vof/k ds fy, vk; vkSj O;; ys[kk ds #i esa fy;k x;k gSA 7- ih,QvkjMh, us dasnz ljdkj ls foÙk o’kZ 2019&20 esa izkIr vuqnku ls jk’Vªh; foÙkh; f”k{kk dsanz ¼,ulh,QbZ½ dh “ks;j iwath esa :Ik;s 10 djksM+ dk ;ksxnku fn;k gSA blfy,] bl fuos”k dks vuqlwph 10 ds rgr :-1 ds laoS/kkfud ewY; ij fn[kk;k x;k gSA 8- ekpZ 2022 esa foÙk o’kZ 22&23 ds fy, vfHkj{kd ds :Ik esa Mk;”ks cSad ls #-3-47 djksM+ dk okf’kZd “kqYd izkIr gqvk ftls ^vfxze :Ik ls izkIRk vk;* ds :Ik esa fn[kk;k x;k gS vkSj rnuqlkj foÙk o’kZ 21&22 ds fy, vk; ds :Ik esa ugha fn[kk;k x;k gSA 9- ih,QvkjMh, us viuh 88oha cksMZ cSBd esa ,uchlhlh dh vkxkeh ifj;kstuk oYMZ VªsM lasVj] ukSjksth uxj] ubZ fnYyh esa] vius fy, #-200&250 djksM+ dh ctV jkf”k esa dk;kZy; [kjhnus dh LohÑfr nh gSA rnuqlkj] ih,QvkjMh, us 2021&22 ds nkSjku mDr ifjlj] tks vHkh fuekZ.kk/khu gS] dh [kjhn ds fy, ,uchlhlh dks ;Fkkuqikr 48-02 djksM+ :i;s dk Hkqxrku fd;k gS vkSj 31 ekpZ 2022 rd dqy 96-04 djksM+ dk Hkqxrku fd;k gS] tks fd vHkh fuekZ.kk/khu gSA bls vuqlwph&8 esa ^iwthdk;Z esa izxfr* ds rgr n”kkZ;k x;k gSA LFkku % ubZ fnYyh vk'kh"k dqekj Hkkjrh fnukad % 17@06@2022 eq[; ys[kk vf/kdkjh MkW- eukst vkuan iadt 'kekZ ,l-canksik/;k; lnL; lnL; lnL; 169Annual Report-2021-22 This Report is in conformity with the format of the Annual Report prescribed in the Pension Fund Regulatory and Development Authority (Reports, Returns, and Statements) Rules, 2015 Note:- In case of any conflict between the Hindi version and the English version, the English version will prevail. 12Annual Report-2021-22 34Annual Report-2021-22 INDEX Table of Content Statement of Goals and Objectives 9 Objective 9 Vision 9 Chairman’s Message 11 Members of the Board 13 Senior Management of the Authority 14 Abbreviations 15 Part - I Policies & Programmes 1.1 Global Economic Scenario 18 1.1.1 Inflation 18 1.1.2 Global Commodities Prices 19 1.1.3 Global Financial Environment 19 1.1.4 Bond and Equity Markets 20 1.2 Domestic Economy 20 1.2.1 Macroeconomic Developments in India 20 1.2.2 Inflation 20 1.2.3 Monetary Management 21 1.3 Financial Markets 22 1.3.1 G. Sec Market 22 1.3.2 Corporate Bond Market 23 1.3.3 Equity Market 23 1.4 Review of Global Pension Markets 23 1.4.1 Pension Fund Assets in the OECD area in 2021 23 1.4.2 Equities Investments in 2021 25 1.5 Major Announcement for Pension Section in Budget 2022 26 1.6 Indian Demography and Old Age Income Security 27 1.7 Indian Pension Landscape 27 1.8 A Brief on the Review of the Objectives of PFRDA 31 1.9 Intermediaries under NPS 32 1.9.1 Intermediaries and Other Entities Associated with National Pension 32 System and Other Pension Schemes Covered Under the Act 1.9.2 Types of Account 35 1.9.3 Outreach 35 Part - II Investment of Funds under NPS 36 5Contents 2.1 Pension Funds (PFs) 36 2.1.1 Functions of Pension Funds 36 2.1.2 List of Pension Funds (PFs) for Government Sector NPS Schemes (i.e. 37 CG and SG), NPS-Swavalamban and APY 2.1.3 List of Pension Funds (PFs) for Private Sector NPS schemes 37 2.2 Schemes 37 2.3 Regulations, Notification, issuance of major circulars / Guidelines 45 w.r.t. Pension Fund 2.4 Inspection 47 Part - III Functions of the Authority 3.1 Registration of Intermediaries and Suspension, Cancellation, etc 48 3.2 Approval of Schemes, the Terms and Conditions thereof 52 3.3 Exit of Subscribers From the National Pension System 53 3.3.1 PFRDA (Exits & Withdrawals Under NPS) Regulations 2015 and 53 Amendments thereof 3.3.2 Partial Withdrawal Under NPS 48 57 3.4 Activities Undertaken for Protection of Interests of Subscribers under 63 the National Pension System and of Other Pension Schemes under the Act 3.5 Mechanism For Redressal of Grievances of Subscribers and Activities 65 Undertaken For Redressal of Such Grievances 3.5.1 No. of Complaints received, resolved and pending for FY 2021-22 at 70 the office of Ombudsman 3.5.2 State-wise complaints received for FY 2021– 22 at the office of 70 Ombudsman 3.5.3 Initiatives taken by PFRDA 71 3.6 Certification Programme for Retirement Advisers 72 3.7 Collection of Data by the Authority and the Intermediaries Including 72 undertaking and Commissioning of Studies, Research and Projects 3.8 Steps undertaken for Educating Subscribers and the General Public 73 on Issues Relating to Pension, Retirement Savings and Related Issued and Details of Training of Intermediaries 3.8.1 Financial Literacy regarding Pensions 73 3.8.2 Programme for Co-ordination with Financial Agencies and Other 73 Agencies 3.8.3 PFRDA’s endeavor on media & communication and NPS/APY 74 awareness 3.8.4 PFRDA on Social Media 77 3.8.5 Public Relation Agency 77 6Annual Report-2021-22 3.8.6 Training 77 3.8.7 NPS and APY Information Helpdesk 78 3.9 Conferences /Meetings and other Initiatives undertaken during FY 79 2021-22 3.9.1 Conferences under Central and State Government Sector 79 3.9.2 Steps initiated for smooth implementation of NPS in Government 82 Sector/Non-Government Sector 3.9.3 Conferences under Corporate Sector 89 3.9.4 Atal Pension Yojana 90 3.10 Performance of Pension Funds 94 3.11 Regulated Assets 96 3.12 Fees and Other Charges Levied or Collected by the Authority During 97 the Financial Year 3.13 Information Sought for, Inspections Undertaken, Inquiries 99 Conducted and Investigations Undertaken Including Audit of Intermediaries and Other Entities or Organisations Connected with Pension Funds 3.13.1 Inquiries & Investigations 99 3.13.2 Inspection & Audits 99 3.14 Others 100 3.14.1 Subscribers (Category Wise) Covered Under the National Pension 100 System and Other Pension Schemes Under the Act 3.14.2 Points of Presence 104 3.14.3 Asset under Management Scheme wise 104 3.14.4 The Central Recordkeeping Agency 105 3.14.5 Pension Funds 114 3.14.6 The Trustee Bank 115 3.14.7 The Custodian under the National Pension System 120 3.14.8 The National Pension System Trust 122 3.14.9 Retirement Advisor 125 3.14.10 Other Functions Carried Out by the Authority in the Area of 125 Pensions. PART - IV 4.1 Pension Advisory Committee 130 4.2 Regulations Made or Amended 130 4.3 Constitution of Committee for Utilization of Subscriber Education 131 and Protection Fund 4.4 Standing Committee on Information Technology and Cyber Security 132 in PFRDA 7Contents PART - V Organizational Matters of the Pension Fund Regulatory and Development Authority 5.1 Constitution of PFRDA Board 133 5.2 Meetings of the Authority 133 5.3 Staff Strength in PFRDA 134 5.4 Functioning of SC/ST Cell and OBC Cell in PFRDA 134 5.5 Committee for Prevention of Sexual Harassment at Workplace 134 5.6 Staff Welfare Committee 134 5.7 Training of employees in PFRDA 134 5.8 Promotion of Official Language 135 5.9 Right to Information 136 5.10 Parliamentary Questions 137 5.11 Accounts of PFRDA 137 PART - VI Any Critical Area Adversely Affecting the Interest of Subscribers 6 Some of the area affecting the Interest of the Subscribers 138 6.1 Absence of an enabling regulation precludes the Govt. nodal officer 138 6.2 Age Limit of 40 Years for Joining APY 138 6.3 Statutory Obligations that the Authority has not complied 138 6.3.1 Minimum Assured Returns Scheme (MARS) 138 6.4 Taxation on employer contribution beyond 10% of salary 139 6.5 Cap on employer contribution for calculating taxable perquisite 139 6.6 Tier-II Tax Saver with tax benefit of 80C restricted for Central Govt. 139 employees 6.7 Taxation on gains arises on Tier-II investment 139 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 Other Initiatives taken by the Authority to Protect the Interest of the 140 subscribers List of Annexure Annexure I Composition of Pension Advisory Committee 143 Annexure II State wise total no. of POP-SPs 144 Annexure III Annual Accounts and Schedules 151 8Annual Report-2021-22 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 go 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 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. 910Annual Report-2021-22 CHAIRMAN’s MESSAGE The financial stability risks to the Indian economy are tilted towards global spillovers and geopolitical issues. However, the Indian financial system demonstrates elementary scalability and elasticity to withstand these shocks. In the uncertain global economic scenarios prevalent, PFRDA has been able to take several measures to actively safeguard the interests of its subscribers under NPS and APY. It has ranged from providing monetary support by allowing partial withdrawals during the COVID-19 pandemic to facilitating the ease of usage and access for all of its subscribers. The headwinds from COVID-19 and the shocks from the war in Europe further aggravated the commodity market prices, put financial markets on the edge, and crude oil prices touched multiyear high. As per the World Economic Outlook report-April 2022, Global growth is projected to slow from an estimated 6.1 percent in 2021 to 3.6 percent in 2022. This has led to a worldwide increase in inflation and tightening monetary policies across the world, with the first rate hike of 25 basis points being done by the Federal Reserve in March 2022 and more lined up for the year. In the dynamic environment with considerable uncertainty, PFRDA has been able to actively cushion its impact on its subscribers through prudentially managed pension funds and optimally regulated investment guidelines. In the current scenario of an increasing and aging population, the country’s demographic dividend will be reversed in the coming decades. Not only this, but in another five- or six years India will become the most populous nation in the world with a simultaneous increase in life expectancy. In such a situation it becomes imperative to strengthen old age security for all the citizens of the country. Pension as a financial product has a two-pronged aim, first to serve as an old age support mechanism and secondly to be adequate so that the standard of living in old age remains similar for the individual. As it is a long-term financial product, it requires a sustained level of contribution towards the accumulation of the corpus during the working age of an individual. To attain the same, financial literacy in the context of pension, retirement planning and saving plays a crucial role. The earlier an individual starts contributing to their pension, the more they are able to reap the benefits of compounding. With a growth of 22.6 percent in the subscriber base that currently stands at 520.21 Lakh and a growth of 27.4 percent in the Asset under Management that currently stands at Rs. 7,36,594 crore, PFRDA has witnessed rapid growth. The enrolments under Atal Pension Yojana, the scheme focused on the unorganised sector, crossed four crore which, was another landmark achieved by PFRDA. 11Chairman Message PFRDA is in the process of offering a pension product that will provide a fixed minimum assured returns to subscribers who choose to opt for it. PFRDA is also taking steps to introduce a risk-o-meter with each of the portfolio allocation schemes. It is my pleasure to share this Annual Report of the PFRDA for the financial year 2021- 22. The report endeavours to encompass all the major activities and initiatives of the Authority. I am sure that the report will enhance the understanding of the functionalities of the pension system in India and how it is witnessing rapid growth. We welcome feedback on the Report. Finally, I wish to reiterate the commitment and dedication of the PFRDA to the overarching cause of making India a Pensioned society to fulfil its objective of old age income security. Supratim Bandyopadhyay Chairman 12Annual Report-2021-22 Members of the Board (Appointed under Section 4 of the PFRDA Act, 2013 (Act 23 of 2013)) 13Senior Management of the Authority Senior Management of the Authority (As of March 31, 2022) EXECUTIVE DIRECTOR Shri Ananta Gopal Das Ms. Mamta Rohit Shri Ashok Kumar Soni CHIEF GENERAL MANAGER Shri Venkateswarlu Peri Ms. Sumeet Kaur Kapoor Shri Ashish Kumar Shri K. Mohan Gandhi Shri Mono Mohon Gogoi Phukon Shri Akhilesh Kumar GENERAL MANAGER Shri Pravesh Kumar Shri Vikas Kumar Singh Shri Sumit Kumar Shri P. Arumugarangarajan Shri Sachin Joneja Shri Ashish Bharti Ms. Gurminder Kaur Chief Vigilance Officer Shri D.K. Namdeo Ombudsman Shri Arnab Roy ANNUAL REPORT TEAM Shri Venkateswarlu Peri, Chief General Manager Ms. Manju Bhalla, Deputy General Manager Shri Manish Mani, Assistant General Manager Shri Sidhant Mohapatra, Assistant Manager Ms. Akansha Chauhan, Junior Economist 14Annual Report-2021-22 Abbreviations AIF Alternative Investment Fund APY Atal Pension Yojana APY-SP APY-Service Provider ASSOCHAM Associated Chambers of Commerce and Industry of India ASP Annuity Service Provider AUM Assets under Management BSE Bombay Stock Exchange CAB Central Autonomous Bodies CAGR Compounded Annual Growth Rate CBO Corporate Branch Office CCI Competition Commission of India CEO Chief Executive Officer CG Central Government CGMS Central Grievance Management System CHO Corporate Head Office CII Confederation of Indian Industry COR Certificate of Registration CPI Consumer Price Index CPIO Central Public Information Officer CRA Central Recordkeeping Agency CSGL Constituent Subsidiary General Ledger DB Defined Benefit 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 15Abbreviations FAQ Frequently asked Question FICCI Federation of Indian Chambers of Commerce & Industry Fin-Tech Financial Technology FSDC Financial Stability and Development Council FY Financial Year GDP Gross Domestic Product G-Sec Government security IFSCA International Financial Services Centres Authority IMF International Monetary Fund IOS iPhone Operating System ISTM Institute of Secretariat Training and Management 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 KYC Know Your Customer MFI Micro Finance Institution MIS Management Information System Mobile app Mobile Application MPC Monetary Policy Committee NAHRD National Academy of Human Resource Development 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 NPCI National Payments Corporation of India NPS National Pension System NPSCAN NPS Contribution Accounting Network NPST National Pension System Trust NSDL National Securities Depository Limited NSE National Stock Exchange OECD Organization for Economic Cooperation and Development 16Annual Report-2021-22 OPGM Online PRAN Generation Module OTP One Time Password PAC Pension Advisory Committee PAN Permanent Account Number PAO Pay and Accounts Office PrAO Principal Accounting Office PF Pension Fund PFM Pension Fund Manager PHDCCI PhD Chamber of Commerce and Industry PoP Point of Presence PoP-SE Point of Presence-Sub Entity PoP-SP Point of Presence-Service Provider PRAN Permanent Retirement Account Number QR code Quick Response code RA Retirement Advisor RBI Reserve Bank of India 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 STS Server to Server TB Trustee Bank TGFIFL Technical Group on Financial Inclusion and Financial Literacy UOS Unorganised Sector WEO World Economic Outlook WPI Wholesale Price Index WTM Whole Time Member 17Part I Part I Policies and Programmes The introduction of the NPS in India to slow from an estimated 6.1 percent in marked a paradigm shift from a defined 2021 to 3.6 percent in 2022 and 2023. Beyond benefit pension system to a defined 2023, global growth is forecast to decline to contribution pension system. The Preamble about 3.3 percent over the medium term. to PFRDA Act, 2013 sets out the objective The World Trade Organization has scaled of providing old-age income security down the projection of world trade growth in India. The National Pension System for 2022 to 3.0 percent. (NPS) is designed with a view to having a Emerging market and developing economies systemic approach toward designing and (EMDEs) – As per the WEO report, implementing a coherent and financially April 2022, Manufacturing PMIs fell sustainable pension system in the country. into contraction in March in Turkey and The pension sector is impacted by global Malaysia, while in Egypt, the total economy and domestic developments. At the same PMI fell to its lowest reading since the initial time, pension assets impact the economy in wave of the pandemic and expectations different ways by channelizing resources for future output reached a record low. to the capital market and infrastructure. Rising food and fuel costs contributed to The global and domestic developments annual Inflation hitting 11.3 percent and 7.5 are reflected in economic growth, inflation, percent in Brazil and Mexico, respectively, commodity prices, as well as monetary and and more than 60 percent in Turkey. fiscal policy responses which in turn impact 1.1.1 Inflation all segments of the financial market, be it the equity market, government securities Elevated Inflation will complicate the trade- market, or bond market. This part of the offs central banks face between containing report briefly reviews the global and price pressures and safeguarding growth. domestic economy before delving into the Interest rates are expected to rise as central developments in the global and domestic banks tighten policy, exerting pressure pension markets. on emerging markets and developing economies. This can be particularly seen 1.1 Global Economic Scenario by the move of the U.S. Federal Reserve in The world economy is experiencing a March 2022, where the U.S. Government period of turmoil that could be compared has raised the benchmark interest rate by to that of the Great Depression of the half a percentage point to a range of 0.75 1930s. This has majorly been due to the percent to 1 percent, which is their biggest dual shock of the COVID-19 pandemic and hike since 2000. According to WEO April the war in Ukraine. Fuel and food prices 2022 update, Inflation is expected to remain have increased rapidly, with vulnerable elevated for longer than in the previous populations, particularly in low-income forecast, driven by war-induced commodity countries, most affected. As per the April price increases and broadening price 2022 update, World Economic Outlook pressures. By 2022, Inflation is projected at (WEO) report, Global growth is projected 5.7 percent in advanced economies and 8.7 18Annual Report-2021-22 percent in emerging market and developing in advanced economies and 8.7 percent economies. Although a gradual resolution in emerging market and developing of supply-demand imbalances and a modest economies. pickup in labor supply are expected in the 1.1.3 Global Financial Environment baseline, easing price inflation eventually, uncertainty again surrounds the forecast. As per the Global Financial Stability Many emerging market economies are Report (GFSR) April 2022, the resilience projected to achieve fiscal consolidation in of the current financial systems across 2022, but high post-pandemic debt burdens the world will be tested due to market will remain a problem for many years to disruptions in commodity markets and come. increased counterparty risk, poor market liquidity and funding strains, acceleration 1.1.2 Global Commodities Prices of cryptoization in emerging markets and As per the April 2022 edition of the possible cyber-related events. Emerging and Commodity Markets Outlook Report, frontier markets are facing tighter financial World Bank, the war in Ukraine has added conditions and higher risks of capital to a broad-based rise in commodity prices outflows. The deterioration in spreads, that began in mid-2020 with a surge in combined with the increase in U.S. yields, demand driven by receding concerns has pushed financing costs well above their about the COVID-19 pandemic. Demand pre-pandemic levels for many borrowers. for commodities rebounded as the global Tighter external financial conditions on the economy recovered, while commodity back of U.S. monetary policy normalization production increased more slowly, and heightened geopolitical uncertainty weighed down by several years of weak are likely to increase the downside risks investment in new production capacity as for portfolio flows. An abrupt, sustained well as various supply disruptions. As a increase in interest rate, particularly in result, energy prices (in U.S. dollar terms) the United States, could tighten global were more than four times higher in March financial conditions, intensifying existing 2022 than their April 2020 lows—the largest vulnerabilities, resulting in market volatility 23-month increase in energy prices since and a sharp decline in the price of financial the 1973 oil price hike. Brent crude oil prices instruments. Emerging markets could be reached a 10-year high of $130 per barrel adversely impacted if there is a pullback in early March but fell closer to $105 per from risk-taking during a time when they barrel by mid-April, helped by significant face labor shortages and when native oil inventory releases by member countries currency yields are rising. With the sharp of the International Energy Agency. Metal rise in commodity prices anticipated to add prices increased by 7 percent in March. to pre-existing inflation pressure, central The global composite PMI fell from 53.5 banks are faced with a challenging trade-off to 52.7 in March. Similarly, food prices are between fighting record-high Inflation and expected to increase at a more moderate safeguarding the post-pandemic recovery pace of about 4.5 percent in 2022 and at a time of heightened uncertainty about decline in 2023. Commodity price increases prospects for the global economy. and broadening price pressures have led to 2022 inflation projections of 5.7 percent 19Part I 1.1.4 Bond and Equity Markets. 1.2 Domestic Economy As per GFSR, April 2022, after rising early 1.2.1 Macro-Economic Developments in in the year on concerns about the inflation India outlook, advanced economy nominal India is expected to emerge as the fastest- bond yields have increased further since growing major economy in the world as the the invasion, amid heightened volatility economy recovers from the Covid-19 shock, of rates. Inflation break-evens (a market- backed by its robust democracy. With an implied proxy for future Inflation) have improvement in the economic scenario, risen significantly on the back of sharply there have been investments across various higher commodity prices. sectors of the economy. Numerous foreign As per GFSR, Global corporate bond companies are setting up their facilities in spreads have widened some, surpassing India on account of various Government pre-pandemic levels across major sectors initiatives like Make in India and Digital and most high-yield segments. The increase India. The Make in India initiative aims has been more evident for the lowest-rated to boost the country’s manufacturing firms, pointing to concerns about potential sector and increase the purchasing power future defaults. Volatility has risen sharply of an average Indian consumer, which in both equity and interest rate markets, would further drive demand and spur reflecting heightened uncertainty on the development, thus benefiting investors. On economic and policy outlook. the other hand, the Digital India initiative focuses on three core components: the In equities, market-implied volatility creation of digital infrastructure, delivering has declined sharply and is anticipated services digitally and increasing digital to remain around these levels through literacy. the end of 2022. In interest rates, market- implied volatility has remained elevated, As per RBI (reference MPC Report, April reflecting uncertainties about the policy 2022), real gross domestic product (GDP) normalization process in advanced rose by 8.9 percent in 2021-22, above its pre- economies. On the other hand, financial pandemic (2019-20) level by just 1.8 percent. conditions in advanced economies have Economic activity, which gained strength tightened notably this year, reflecting in Q2:2021-22 (July-September) with the the decline in corporate valuations, diminishing of the second wave, has lost higher government bond yields, and pace since Q3:2021-22 (October-December), continued expectations of monetary policy exacerbated by the spread of the Omicron normalization. variant in Q4 (January-March). After rising early in the year on concerns 1.2.2 Inflation about the inflation outlook, advanced According to RBI MPC Report, April 2022, economy nominal bond yields increased after easing to 4.3 percent in September sharply in March amid heightened interest 2021, CPI inflation rose in the following rate volatility, reflecting an increase in both months to reach 6.1 percent in February break evens and real rates. 20Annual Report-2021-22 2022, driven by the increase in food Wholesale Price Index (WPI), WPI inflation inflation. for the period April 2021-February 2022 was benign at 0.7 percent. However, it witnessed According to the Monthly Economic a sharp uptick in the corresponding period Review, March 2022, Consumer Price of 2021-22 to 12.7 percent. A part of the Index –Combined (CPI-C) inflation or retail rise in the WPI inflation is on account of inflation for April- February FY 2022 stood the unfavorable base effect in the previous at 5.4 percent, well below the tolerance limit year. of 6 percent, as compared to 6.3 percent in the corresponding period last year. Core Wholesale price Index (WPI) rose to 15.08 inflation (CPI excluding food and fuel), a per cent for the month of April. The WPI more stable measure of inflation, remained inflation has remained in the double digits sticky during the period at 6.0 percent for the 12th consecutive months beginning compared to 5.5 percent in the same period April 2021. last year as demand pressures in the economy sustained in 2021-22. Chart 1.1: Inflation rate CPI & WPI Source: PIB and MoSPI 1.2.3 Monetary Management Based on an assessment of the current and evolving macroeconomic situation, which In the First Bi-monthly Monetary Policy included supply chain bottlenecks, the Statement for 2021-2022, the MPC kept the rising price of fuel, etc., the Monetary Policy policy repo rate to 4.00 percent. The policy Committee (MPC), at its meeting on May repo rates percent kept unchanged in the 4, 2022, decided to increase the policy repo Third, Fourth, Fifth, and Sixth Bi-monthly rate under the liquidity adjustment facility Monetary Policy Statements. In addition, (LAF) by 40 basis points to 4.40 percent with the RBI continued with the accommodative immediate effect. This also included the Rate stance if it was necessary to revive growth of Standing Deposit Facility being raised to while ensuring that inflation remained 4.15 percent and that of Marginal Standing within the target. 21Part I Facility being raised to 4.65 percent. This on withdrawal of accommodation to ensure marked a moment where the RBI decided that inflation remains within the target to remain accommodative while focusing going forward while supporting growth. Chart 1.2: Movement in the repo rate during FY 2020-21 and FY 2021-2022 is presented below: Source: MPC Reports RBI 1.3 Financial Markets program and, more recently, geopolitical conflict the sympathetic jump in crude oil India has a diversified financial sector prices. undergoing rapid expansion, both in terms of growth of financial services and new 1.3.1 G-Sec Market entities. The sector comprises commercial As per the monetary policy report of RBI banks, non-banking financial companies, co- April 2022, During H2: 2021-22, the 10-year operatives, insurance companies, pension G-sec yield hardened by 63 bps, reflecting funds, mutual funds, and other smaller global and domestic factors. During financial entities. As per the monetary Q3:2021-22, the 10-year yield rose by 24 policy report of RBI April 2022, during bps. In Q4:2021-22, the benchmark yield H2:2021-22, the domestic financial markets firmed up by a further 39 bps. Average remained relatively stable amidst surplus trading volume in both G-secs and T-bills liquidity conditions with intermittent dipped in H2:2021-22 amidst rising yields bouts of volatility caused by Omicron’s and elevated uncertainty. The average level outbreak, faster than anticipated pace of yield increased by 38 bps during H2. The of normalization in advanced countries, slope flattened by 41 bps in view of the domestic inflation concerns, bearishness sharper increase in the short-term rates on about the large government borrowing account of the liquidity rebalancing. 22Annual Report-2021-22 Chart 1.3: 10 Year G-Sec Bond Yield (Percent) Data Source: RBI report 1.3.2 Corporate Bond Market of March 2022. Overall, the BSE Sensex lost 0.9 percent in H2 to close at 58,569. The As per the MPC report of RBI April 2022, correction in the stock prices, coupled with During H2:2021-22, corporate bond yields higher corporate earnings, led to the price- remained softened. Yields on AAA-rated to-earnings ratio (of BSE Sensex) falling to 3-year bonds issued by NBFCs declined 25.1 by end-March 2022 from 27.6 in end- by 66 bps to 5.98 percent, while those on September 2021, moderating the valuation corporates and public-sector undertakings premium over its long-term average. (PSUs), financial institutions (FIs), and banks moderated by 64 bps to 5.88 percent 1.4 Review of Global Pension Markets and by 51 bps to 5.84 percent, respectively. 1.4.1 Pension fund Assets in the OECD The risk premium or spread over 3-year Area in 2021 G-sec yields declined from 49 bps to 37 bps in H2 for NBFCs, from 50 bps to 23 bps for As per an OECD report, Assets in pension PSUs, FIs, and banks, and from 40 bps to 26 funds rose by over 8 percent in the OECD bps for corporates. area and nearly 2 percent in other reporting jurisdictions in 2021. 1.3.3 Equity Market A second year into COVID-19, pension India’s equity markets corrected marginally fund assets continued to grow in almost during H2:2021-22 amid high volatility all reporting jurisdictions. Preliminary triggered by the outbreak of hawkish data for 2021 show that the asset growth monetary policy, Omicron version of was the strongest in Zimbabwe (over 200 COVID-19, Crude oil prices, policy stances percent), Georgia (69.6 percent), Turkey of global central banks, and escalating (41.2 percent), Lithuania (31.5 percent) geopolitical tensions. and Armenia (30.7 percent). By contrast, Domestic equities witnessed sharp selloffs pension funds recorded a decline in assets in the second half of February 2022 and in 4 out of the 68 reporting jurisdictions, early March 2022 over Ukraine-Russia including Chile (-4.5 percent), and Peru tensions but recovered in the second half (-19.1 percent) where early withdrawals 23Part I Chart 1.4 Nifty movement Data Source: RBI report from individual accounts were allowed in These seven countries altogether held 92.4 2021 to support people during COVID-19, percent of pension fund assets in the OECD and Estonia (-15.5 percent) following area. a reform of the (formerly mandatory) Pension fund assets show large variations second pension pillar. Overall, in the total across jurisdictions. Overall, pension fund OECD area, pension fund assets rose by assets in the OECD area amounted to 66.9 8.2 percent in USD terms, while they rose percent of the GDP of all OECD countries by 1.7 percent in the 30 other non-OECD at end-2021, which is higher than at end- reporting jurisdictions. 2020 Overall, pension fund assets amounted to The nominal growth in pension fund assets USD 38.5 trillion in a total of 68 reporting partly came from the investment income jurisdictions at end-2021. Most of these that pension funds managed to earn in 2021. assets were held by pension funds in the Pension funds recorded positive investment OECD, totalling USD 37.7 trillion. The rates of return (net of investment expenses) United States recorded the largest amount in all reporting jurisdictions in 2021 in of assets in pension funds (USD 22.6 nominal terms, except Hong Kong (China). trillion), followed by the United Kingdom The nominal returns exceeded 10 percent (USD 3.6 trillion), Australia (USD 2.3 in 17 out of 53 reporting jurisdictions, and trillion), the Netherlands (USD 2.0 trillion), were even above 20 percent in Lithuania Canada (USD 1.7 trillion), Japan (USD 1.5 (20.7 percent), Poland (25.2 percent) and trillion) and Switzerland (USD 1.2 trillion). Turkey (25.2 percent). 24Annual Report-2021-22 Chart 1.5: Nominal and real investment rates of return of pension funds, Dec 2020 - Dec 2021 (preliminary) Data Source: OECD report. Pension funds recorded positive investment Zimbabwe (-31.8 percent), Suriname (-26.5 rates of return in real terms in 18 out of percent), and Ghana (-9.8 percent), where 27 reporting OECD countries. Pension inflation was also among the highest in funds even managed to record double- all reporting jurisdictions (60.7 percent in digit returns in real terms in four OECD Zimbabwe and Suriname, and 12.6 percent countries in 2021: Poland (15.2 percent), in Ghana). In the OECD area, pension funds Finland (12.3 percent), Australia (11.1 recorded the lowest real investment rate percent), and Costa Rica (10.0 percent). This of return in Turkey (-9.7 percent), where strong performance in these four countries inflation reached 36.1 percent. may be due to lower inflation (between 3.3 1.4.2 Equities Investments in 2021 percent and 3.8 percent for Australia, Costa Rica, and Finland) or a higher proportion of As per the OECD report, Pension funds held assets invested in equities than elsewhere. 47.9% of their portfolios in bonds and 26.1% By contrast, pension funds recorded a in equities on average among all reporting positive investment rate of return in only OECD and non-OECD jurisdictions. Chart 11 out of the 26 other non-OECD reporting 1.6 shows however that the asset mix varied jurisdictions. The lowest investment rates widely across jurisdictions. of return in real terms were reported in 25Part I Chart 1.6: Asset allocation of pension funds in selected investment categories at end-2021 (preliminary) Data Source: OECD report. A. Selected OECD Countries B. Selected other jurisdictions. Bonds are usually one of the major holdings (74.6 percent), Estonia (59.7 percent) in the portfolios of pension funds, accounting and Iceland (51.7 percent) among OECD for more than 50 percent of investments in countries, and in Hong Kong (China) (63.3 29 reporting jurisdictions and even more percent) and Namibia (51.5 percent) among than 90 percent in Albania (91.5 percent), other jurisdictions. the Maldives (93.2 percent) and Uruguay 1.5 Major Announcement for Pension (93.1 percent). Yet, pension funds invested Sector in Budget 2022-23 a larger proportion of their assets in equities than in bonds in 18 jurisdictions, including The announcement was made in the budget Australia, Canada, the Netherlands, and 2022-23 relating to Pension Sector: Switzerland and the United States. Pension funds even invested more than 50 percent At present, the Central Government of their assets in equities in six reporting contributes 14 percent of the salary of its jurisdictions: Poland (82.1 percent) where employee to the National Pension System open pension funds (OFE) are not allowed (NPS) Tier-I. This is allowed as a deduction to invest in government bonds, Lithuania in computing the income of the employee. 26Annual Report-2021-22 However, such deduction is allowed only to employees NPS accounts from 10 percent the extent of 10 percent of the salary in the to 14 percent with effect from April 1, case of employees of the State government. 2019. As per the notification, “The monthly To provide equal treatment to both Central contribution would be 10 percent of the and State government employees, it is Basic Pay plus Dearness Allowance (DA) proposed in the budget to increase the to be paid by the employee and 14 percent tax deduction limit from 10 percent to 14 of the Basic Pay plus DA by the Central percent on the employer’s contribution Government”. Greater freedom in choosing to the NPS account of State Government pension funds and pattern of investment employees as well. This would help in to central government employees has also enhancing the social security benefits been notified along with compensation for of the state government employees and non/delayed deposit of NPS contribution. bring them at par with central government 1.7 Indian Pension Landscape employees. The landscape of the Indian pension system 1.6 Indian Demography and Old Age includes non-contributory social pension Income Security schemes financed by the Government to Due to rising and unsustainable pension provide a minimum level of protection liabilities, in keeping with global practices like the National Social Assistance and after deep deliberations on the issue, Programme (NSAP), mandatory defined the Government made a conscious move benefit pension scheme on a pay-as-you- to shift from the defined benefit pension go basis like Civil Service Pension for scheme to the defined contribution pension employees who joined service before 2004, scheme. The New Pension Scheme, now Employees’ Provident Fund (EPF) and renamed as National Pension System Employees’ Pension Scheme(EPS) under (NPS), was introduced by the Government the EPFO, other statutory provident funds through a notification No. 5/7/2003-ECB like Coal Mines, Seamen’s and Assam Tea & PR dated December 22, 2003, and it was Plantations schemes; the National Pension made mandatory for Central Government System (NPS) for the Central government employees (except armed forces) who employees joining on or after January 1, joined service w.e.f. January 1, 2004. 2004, on a mandatory basis, employees of those state governments who have joined The NPS, which was initially introduced NPS, NPS for all citizens on voluntary basis for the Central government subscribers, covering both employees and self-employed has now been adopted by all the state including those in the unorganized sector, governments except West Bengal and most Public Provident Fund, retirement and of the Central and State autonomous bodies. superannuation plans offered by insurance NPS has also been extended to the private companies and mutual funds. and unorganized sector on a voluntary basis from May 2009. The fiscal stress of the defined benefit pension system was the major factor Government of India vide notification dated driving pension reforms for Government January 31, 2019, has notified the increase employees and the introduction of NPS in its contribution to central government for Government employees. Owing to 27Part I the financial and practical difficulties of co-contribution scheme – NPS Lite/ extending coverage to the unorganized Swavalamban scheme in September 2010 sector through mandatory schemes like (the fresh enrolment under of NPS lite EPF (especially for organized sector Swavalamban scheme is stopped w.e.f workers), voluntary retirement savings are 01/04/2015). Subsequently, Atal Pension seen as an important policy tool to extend Yojana (APY) was launched on May 9, 2015, the coverage of pension provision in India. by the Prime Minister, and the scheme is The important policy measure to achieve a being implemented with effect from June higher coverage of the unorganized sector 1, 2015, with a focus on the unorganized workers under the pension system is the sector. The Subscribers under APY shall extension of the NPS, which is a financially get a Government guaranteed pension of self-sufficient, low cost and efficient system. Rs. 1000, Rs. 2000, Rs. 3000, Rs. 4000 or Rs. 5000 depending upon the contribution level To encourage people from the unorganized opted by them. The number of subscribers sector to voluntarily save for their and Assets under Management under NPS old age, the Government launched the is given in the table below: Table no 1.1: Number of Subscribers under NPS/APY (As on March 31, 2022) Sector No. of subscribers No. of subscribers Growth Share (in Lakh) (as on (in Lakh) (as on (In (In March 31, 2021) March 31, 2022) percent) percent) (Y-o-Y) Central 21.76 22.84 5 4 Government State Government 51.41 55.77 8 11 Corporate 11.25 14.05 25 3 All Citizen 16.47 22.92 39 4 NPS Lite 43.02 41.87 - 8 APY 280.49 362.77 29 70 Grand Total 424.40 520.21 23 100 As on March 31, 2022, a total of 520.21 lakh As on the end of March 2022, 414 banks subscribers have been enrolled under the are registered as APY – Service Providers, NPS and APY and recorded a year-on-year which include Public Sector Banks, Private growth of 22.58 percent. APY, a defined Banks, Foreign Banks, Regional Rural benefit pension scheme, had 362.77 lakh Banks, District Commercial Banks, Schedule subscribers as on March 31, 2022, with year- Commercial Banks, Urban Commercial on-year growth of 29.33 percent. Banks, Payment Banks, Small Finance Bank and Department of Post. 28Annual Report-2021-22 Table 1.2: Assets under Management under NPS/APY (As on March 31, 2022) Sector AUM AUM AUM AUM (Rs. crore) (Rs. crore) Growth Share (In (as on March (as on March 31, (In percent) 31, 2021) 2022) percent) (Y-o-Y) Central Government 1,81,788 2,18,577 20 30 State Government 2,91,381 3,69,427 27 50 Corporate 62,609 90,634 45 12 All Citizen 22,206 32,346 46 4 NPS Lite 4,354 4,687 8 1 APY 15,687 20,923 33 3 Grand Total 5,78,025 7,36,594 27 100 Table 1.3: Performance Highlights of National Pension System/Atal Pension Yojana during FY 2021-22 (In numbers) Measures At the end of At the end of Growth FY 2020-21 FY 2021-22 (In per cent) Government Subscribers 73,16,350 78,60,657 7 All Citizen + Corporate 27,71,936 36,96,583 33 Subscribers APY Subscribers 2,80,49,151 3,62,76,704 29 No. of POP-SPs# 2,47,254 2,49,756 1 No. of APY-SPs 414 414 - No. of CABs 630 651 3 No. of SABs 1,459 1,578 8 No. of Corporate 8,599 10,405 21 No. of officials trained (FY wise)* 12,024 40,826 240 * Incremental conducted by Hero Mind-mine Institute Private Ltd. # Data considered state-wise highest number of POP-SPs of NSDL and K-fintech CRAs. Other represented figures are registered with CRAs. • The number of Service Providers for • All employees of Central Government APY is 414 during the last year. along with CABs and State 29Part I Governments along with SABs facilitates the opening of an Individual which have adopted NPS are to be Pension Account under NPS and making mandatorily covered under NPS. This initial and subsequent contributions to year 21 new CABs and 119 SABs have the Tier I as well as Tier II/Tax Saver been brought under NPS taking the account online. This feature also enables total no. of CABs and SABs to 651 and the subscribers to change their Pension 1578, respectively. Funds, asset class, allocation ratio, and scheme options after authentication. NPS • The corporate sector offers NPS to subscribers can initiate withdrawal/Partial their employees on a mandatory or Withdrawal requests from Tier II/Tier I voluntary basis. At the end of March accounts by using their login credentials 2022, as per CRAs reports, a total of and OTP authentication on their registered 10405 Corporate is registered under mobile number. NPS against 8599 Corporate at the end of March 2021, with an increase of 21 The online PRAN generation module percent. (OPGM) is offered to stakeholders for the on boarding of NPS subscribers to enable Government support to these schemes in instant PRAN generation with minimal the form of tax benefits and guarantees for documentation. However, such accounts APY increases the appeal of these schemes. are deemed to be irregular till complete However, considering the vast uncovered documentation is verified and recorded population of the country, a lot more needs with the Central Record Keeping Agencies to be done. The major challenge in extending (CRAs). Intermediaries registered with the NPS to all citizens is increasing the PFRDA are permitted to use the Video- awareness and financial literacy among based Customer Identification Process potential subscribers. PFRDA has been (VCIP) for the purpose of on boarding, exit, taking several steps to increase awareness or any other service request related to NPS. through different mass media and capacity- building programmes. Further, to ensure NPS subscribers are provided with various dissemination of NPS awareness, PFRDA convenient options to deposit their voluntary has aggressively undertaken promotional contributions through the associated and developmental activities by engaging Nodal Offices, PoPs, e-NPS, or through a dedicated agency for imparting training NPS Mobile Applications. An additional and capacity building for officials of Service option/mode of contribution, namely Providers. Direct Remittance (D- Remit), is introduced wherein the existing NPS Subscribers under To improve ease of access to NPS for the Government/All Citizens Model are able potential subscribers and service providers, to deposit their voluntary contributions PFRDA has been further enhancing the by creating a Virtual ID linked to their technology across the value chain, whether PRANs and provide the same day NAV it is e-NPS, Mobile apps, or e-KYC. These on investments. Through D Remit, not channels have been driving the efficiencies. only one-time contributions can be made, Through e-NPS, a person can conveniently but also periodic NPS contributions can be register and contribute online. An online automated for any defined amount and for contribution facility under NPS is also any defined date from the Subscribers bank available for the existing subscribers. e-NPS account. The option of contribution to NPS 30Annual Report-2021-22 through D Remit has also been extended to of NPS, a number of variants of NPS have NRI-NPS subscribers who can contribute been introduced to cover different sections to their NPS accounts from funds in of the population like Central Government, their NRO/NRE accounts. At the time of State Government, Corporate, All-Citizen, withdrawal/Exit, the proceeds of NPS shall NPS Lite, Atal pension Yojana (a GOI be credited into the NRO/NRE account of scheme administered by PFRDA). The NRI subscribers, and repatriation would be Authority has been engaged in expanding as per applicable FEMA guidelines. coverage through the creation of mass awareness through print, electronic and 1.8 A Brief on the Review of the social media, engaging a training agency Objectives of PFRDA during the year. for imparting training and capacity building for officials of banks, post offices, The preamble to the PFRDA Act 2013 lays POPs, Nodal Offices, the appointment of down the objectives of the Authority as retirement advisors, facilitating ease of on the promotion of old age income security, boarding and transaction through e-NPS, through regulation and development and etc. protection of the interests of the subscribers to schemes of Pension Funds and for Security matters connected therewith or incidental thereto. PFRDA has put in place an extensive framework of regulations under the PFRDA has been actively engaged in PFRDA Act 2013 to ensure the security of the promotion and development of pension assets to minimize the risk to the NPS (all its variants) and Atal Pension pension funds that have been accumulated Yojana, regulation, and supervision of to provide retirement benefits. These all intermediaries under NPS towards regulations include strenuous eligibility the overall objective of provision of old criteria for selection, detailed Corporate age income security and protection of Governance frameworks, fit and proper subscriber’s interest. While engaged in these criteria, extensive code of conduct, detailed activities, in keeping with the preamble of roles and responsibilities, and penalty the PFRDA Act 2013 and the best global structures for all intermediaries, including practices, the PFRDA endeavours to achieve Pension Funds, to ensure the security the following broad objectives/outcomes: of assets. These regulations have been reviewed and strengthened from time to • Increasing Coverage time. In order to further strengthen the • Security IT supervisory processes, the PFRDA is • Efficiency focusing on the implementation of cyber security and will ensure coverage. • Adequacy • Sustainability Efficiency Increasing Coverage It has been the endeavour of the Authority to optimize the efficiency of the system Provision of the old age income security to by maximizing returns to the subscribers all sections of the population has been one subject to acceptable risks. This has been of the important objectives of the Authority. done through a review of the investment While PFRDA Act 2013 mandates regulation 31Part I guidelines from time to time to optimize any contributory pension system. Through the returns. NPS, there is an effort to offer pension products to a different segment of society Efficiency also relates to the efficiency of the country, which can sustain in the of the labor and capital markets, as each long run to achieve the ultimate goal of interacts with the pension system through providing a secured old age income. NPS direct contributions to pensions (through is a defined contribution scheme with longer working lives and contributions, an institutional framework and product lower costs of capital, or greater financial design, and it empowers itself to sustain inclusion) as well as through indirect itself in the long run. The continued savings contributions to jobs and investment. PFRDA has been actively engaged in habit and investment discipline have an financial inclusion through awareness important role to play in achieving the creation for APY subscribers in particular endeavour of a sustainable pension system. and NPS in general. PFRDA has initiated several steps to increase the awareness level of retirement For capital markets, efficiency relates savings/pension and to the furtherance to capital market depth through the these objectives. development of non-bank financial capital to fund productive investment and 1.9 Intermediaries under NPS maximize the benefits of wider capital market reforms. PFRDA has been part of 1.9.1 Intermediaries and Other Entities inter-regulatory groups and committees in Associated with National Pension System furtherance of these objectives. and Other Pension Schemes Covered under the Act Adequacy The National Pension System (NPS) works One of the important objectives of any under an unbundled architecture, with each pension system is to have adequate function assigned to specialized entities facilities in place to enable its subscribers in the field. The NPS architecture consists to plan for their retirement, i.e., facilitating of Points of Presence (POP), Government the accumulation of retirement benefit Department Nodal Offices, Central entitlements to enable them for old age Record-keeping Agency (CRA), Trustee income security. While NPS is a defined Bank, Pension Funds (PF’s), NPS Trust, contribution scheme, without guarantee Custodian, Annuity Service Providers, and of any benefits, however, as a measure of good practice, Authority’s endeavour has Retirement Advisers. been to work towards ensuring adequate 1.9.1.1 Points of Presence (PoPs) retirement planning infrastructure through various measures, including review of Points of Presence are banks and non- investment guidelines for optimizing banking financial companies etc., returns, increasing contributions through registered with PFRDA for registration engaging with the Government for tax and servicing of the subscribers to the concessions, etc. NPS. A PoP is the first point of interaction Sustainability between the subscriber and the NPS. The registered PoPs have authorized branches Sustainability is one of the focal points of called POP-Service providers (PoP-SPs) 32Annual Report-2021-22 to act as collection points and extend • Submission of Forms for subscriber services to customers. The functions of registration the PoPs include subscriber’s registration, • Distribution of PRAN kits to processing subscriber contributions, change subscribers in personal details, change in investment scheme/fund manager, processing • Providing timely and accurate subscriber shifting from one model to the information about the contributions other, issuing printed account statements, of the subscribers and processing of withdrawal/ exit request on superannuation, etc. • Forwarding requests of the subscribers for necessary action 1.9.1.2 Government Nodal Offices • Resolving grievances of the subscribers (i) Central Government Nodal Offices • Forwarding approved withdrawal PrAO, PAO, and DDO requests of the subscribers The Principal Accounts Office (PrAO), Pay 1.9.1.3 Central Record-keeping Agency and Accounts Office (PAO), and Drawing (CRA) & Disbursing Office (DDO) under the Central Government or analogous offices Protean, K-fin Technologies Pvt. Ltd. and under Central Government and Central Computer Age Management Services Ltd Autonomous Bodies are intermediaries (CAMS) have been designated the CRAs which interact with CRA on behalf of the for the NPS. Their main functions include: Subscribers for the purpose of NPS. (i) Maintaining subscriber records, (ii) State Government Nodal Offices administration, and customer service functions. DTA, DTO, and DDO (ii) Issuing Permanent Retirement The Directorate of Treasury and Accounts Account Number (PRAN) for each (DTA), District Treasury Office (DTO), subscriber, maintaining the database of and Drawing & Disbursing Office (DDO) all PRANs, and recording transactions under the State Governments or analogous relating to each PRAN. offices under State Governments and State Autonomous Bodies are intermediaries (iii) Acting as the interface between the which interact with CRA on behalf of the various intermediaries of the NPS Subscribers for the purpose of NPS. system. This includes monitoring contributions by each member and Nodal Offices are the identified offices of instructions and communication Government agencies registered under the of the same to the pension funds. CRA system for various operational works Periodically, they also send a PRAN under NPS. These offices are identified by statement to each member. a unique number, i.e., Pr.AO /PAO/ DDO registration number that is allotted to them (iv) Providing a centralized grievance by the CRA on successful registration. management system. These offices have a major role to play few (v) Providing timely fund transfer-related of them are as below: 33Part I information to the fund managers. (i) Ensuring investment as per investment guidelines (vi) Coordination with the Trustee Bank for remitting withdrawal funds to (ii) Investing the contributions in the the subscribers’ account and to the schemes as per the instructions annuity service provider for the provided by CRA. annuity scheme. (iii) Constructing the scheme portfolio. PFRDA has also granted a Certificate (iv) Maintenance of books and records, of Registration (CoR) to Computer Age reporting to the Authority, and Management Services Ltd. (CAMS) to act making disclosures. as Central Record keeping Agency (Exit of) for NPS under PFRDA (CRA) Regulations 1.9.1.6 Custodian of Securities 2015. CAMS has commenced its operations from 17th of March 2022. The securities purchased from the NPS corpus in the name of the NPS trust are held 1.9.1.4 Trustee Bank by the Custodian of Securities, who also facilitates securities transactions by making The Trustee Bank handles the flow of funds and accepting delivery of securities. The between various intermediaries under NPS. PFRDA has appointed the Stock Holding Presently, Axis Bank Ltd is the designated Corporation of India Ltd as the Custodian. bank to facilitate fund transfers across PFRDA has recently appointed Deutsche subscribers, fund managers, and annuity Bank as the new Custodian of its securities. service providers based on the instructions The functions include: received from the CRA. The Trustee Bank receives funds from the Nodal Offices/ (i) Having Custody of the Securities held PoPs/Aggregators and reconciles them in the name of NPS Trust, purchased with the Subscriber Contribution File. The out of NPS Corpus. Trustee Bank holds the funds in the name of the NPS Trust, and the subscribers are (ii) Maintaining details of securities held. the beneficial owners. (iii) Collecting the benefits like dividends, 1.9.1.5 Pension Funds (PFs) rights, bonuses, etc., on securities. These are professional pension fund (iv) Informing about the actions of the managers appointed to invest, judiciously issuers of securities held that may and prudently, the pension corpus in a impact the benefits. portfolio of securities and manage them. 1.9.1.7 NPS Trust Currently, the pension fund managers under NPS are –ICICI Prudential Pension NPS Trust is a trust set up under the Indian Funds Management Company Ltd., LIC Trusts Act 1882, which holds the assets Pension Fund Ltd, Kotak Mahindra Pension of the NPS for the benefit of subscribers. Fund Ltd., SBI Pension Fund Private Ltd., The Trust has the fiduciary responsibility UTI Retirement Solutions Ltd, and HDFC of taking care of the funds and protecting Pension Management Co Ltd., Aditya Birla the subscriber’s interests. The NPS Trust Sun Life Pension Management Limited monitors and supervises the functioning Their functions include: of the Pension Funds and interacts with 34Annual Report-2021-22 other intermediaries like the Central variant of account specially designed for Recordkeeping Agency (CRA), Trustee government employees to make them avail Bank, Custodians, and other entities. additional tax benefit. It will have three years lock in period. 1.9.1.8 Annuity Service Providers Besides NPS, PFRDA also administers and Annuity Service Providers (ASPs) are regulates the Atal Pension Yojana. insurance companies regulated by IRDAI and empanelled by the PFRDA to provide 1.9.3 Outreach the annuity to the NPS subscribers from the To fulfilling PFRDA’s mandate of creating bouquet of annuities offered by them awareness about the need for saving for 1.9.1.9 Retirement Advisers retirement and retirement planning, PFRDA undertakes various activities, including Retirement Adviser means any person imparting training through training being an individual, registered partnership agencies selected by PFRDA. These training firm, body corporate, or any registered agencies impart training to the Central and trust or society which desires to engage State Government Nodal Officers, Pay in the activity of providing advice on the & Accounts Offices (PAOs), Drawing & National Pension System or other pension Offices (DDOs), Points of Presence/ Banks/ scheme regulated by PFRDA to prospects/ Post Offices involved in the registration of subscribers or other persons or group of subscribers about the salient features of persons and is registered as such under the NPS / APY, the process of joining, etc. PFRDA (Retirement Adviser) Regulations, Further, training workshops/ camps have 2016. The list of Individual and Other than been organized for subscribers across the Individual Retirement Adviser is available sector and geography as a part of a wider on PFRDAs’ website. financial consumer protection policy. NPS/ APY training was imparted only through 1.9.2 Types of Account online mode, i.e., Video conferencing, and Under NPS following two types of accounts the appointed training agency conducted are available: a total of 255 online training sessions for 12024 participants during the financial (i) Tier-I account: Under the Tier-I year. Moreover, 13 training programs/ account, the subscriber contributes his workshops were conducted directly by savings for retirement/ pension into PFRDA, notably for; NAHRD, ISTM, CCI, this partially withdrawable account. NPC, IFSCA, and ICICI Securities. Assets Premature withdrawals are allowed under Management which includes the subject to certain conditions. returns on the corpus under the NPS and APY, have witnessed an increase from (ii) Tier-II account: This is a voluntary Rs. 5,78,025 crores as on March 31, 2021, investment account where the to Rs. 7,36,594 crores as on March 31, 2022, subscriber is free to deposit and registering a year-on-year increase of 27.43 withdraw the savings from this percent. account whenever he/she wishes. Under Tier-II, there is Tier II Tax Saving Scheme (TTS) account which another 35Part II Part II Investment of Funds under NPS This chapter deals with the investments of a. The management of pensions schemes funds under NPS, and other pension schemes shall be carried in accordance with the covered under the Act, and the extent of objects of the schemes, provisions of exposure in the National Pension System, in the Act, Trust Deed, rules, regulations, different categories of investments including guidelines, and circulars issued by Government securities, debt securities and the Authority from time to time and equities in accordance with Appendix II of the within the timelines as specified by Pension Fund Regulatory and Development the Authority or the National Pension Authority (Reports, Returns and Statements) System Trust. Rules, 2015. b. The day-to-day management of the 2.1 Pension Funds (PFs) pension funds shall be done by the pension fund on behalf of the National Pension fund means an intermediary which Pension System Trust. has been granted a certificate of registration under sub - section (3) of section 27 by the c. The pension fund shall, at all times Authority as a pension fund for receiving render high standards of service, contributions, accumulating them, and exercise reasonable care, prudence, making payments to the subscriber in the professional skill, promptness, manner as may be specified by regulations. diligence, and vigilance while discharging its duties in the best Appointed and registered Pension Funds interests of the subscribers. The manage pension corpus through various pension funds shall avoid speculative schemes under National Pension System or investments or transactions. any other Scheme. Pension Funds use their access codes to confirm receipt of netted d. The pension fund shall employ assets and instructions regarding fund well qualified professionals or staff allocation, confirm allocation of funds and with high integrity. The pension communicate the NAV of each scheme to fund shall be responsible for the CRA and the custodian on a regular basis. acts of commissions or omissions by its employees or authorised Pension Fund Regulatory and Development persons whose services have been Authority (Pension Fund) Regulations, procured and its liability for such 2015 were notified on 14th May 2015 and acts of commissions or omissions. the Pension Funds had to abide by these This liability shall survive despite regulations including any amendments the cancellation or suspension or thereunder. withdrawal of certificate of registration or supersession of management by the 2.1.1 Functions of Pension Funds Authority. The functions of the Pension Funds include, e. The pension fund shall facilitate and but are not limited to the points mentioned co-ordinate with other intermediaries below: and other entities interalia through 36Annual Report-2021-22 agreements, technological platforms l. The pension fund shall ensure for undertaking its functional confidentiality with respect to obligations. subscribers’ information and activities relating to the pension fund and f. The pension fund shall maintain books protection of all information within of accounts, records, registers, and its control except as required by the documents relating to the operations Authority or the National Pension of the pension schemes to ensure System Trust or provisions of any law. compliance with the regulations, guidelines, circulars issued by the m. The pension fund shall provide such Authority from time to time, and representations and warranties as facilitate audit trail of transactions may be necessary for the protection of and business continuity at all times. subscribers’ interest on behalf of the National Pension System Trust. g. The pension fund shall submit periodical and compliance reports 2.1.2 List of Pension Funds (PFs) managing as required under these regulations, composite schemes for Government Sector guidelines, or circulars, or as may NPS Schemes (i.e., Central Government be called for by the Authority, or as (CG) and State Governments (SG) required by the National Pension including autonomous bodies) and APY. System Trust from time to time. i. LIC Pension Fund Limited h. The pension fund shall undertake ii. SBI Pension Funds Private Limited public disclosure of information for the benefit of subscribers in the mode iii. UTI Retirement Solutions Limited and manner as may be specified by 2.1.3 List of Pension Funds (PFs) for the Authority in Schedule V. Private Sector NPS schemes i. The pension fund shall adopt best i. HDFC Pension Management governance practices for investments Company Limited and risk management viz. constitution ii. ICICI Prudential Pension Funds of Investment Committee and Risk Management Company Limited Committee, its composition, functions, policy contents and other like matters iii. Kotak Mahindra Pension Fund as specified in Schedule X. Limited j. The pension fund shall prevent iv. Aditya Birla Sun Life Pension conflict of interests that may arise Management Limited while discharging the obligations as v. LIC Pension Fund Limited a pension fund and reporting of such instances to the National Pension vi. SBI Pension Funds Private Limited System Trust. vii. UTI Retirement Solutions Limited k. The pension fund shall ensure 2.2 Schemes exclusivity and segregation of pension fund business activities from its The subscribers in NPS fall under the sponsors. following sectors: 37Part II i. Government Sector (Central Govt/ Under the Government Sector, 3 public State Govt including Autonomous sector Pension Funds i.e., LIC Pension Bodies) Fund Limited / SBI Pension Funds Private Limited / UTI Retirement Solutions Limited ii. NPS Lite manage and invest the contributions in iii. Atal Pension Yojana (APY) the ratio (among the 3 pension funds) as iv. All Citizen / Un-Organised Sector decided by the Authority from time to time. v. Corporate Sector Further, based on the Government’s OM no. 1/3/2016-PR dated 31st January 2019 and Investments under NPS for the above as per the Authority’s recent circular dated sectors are made as prescribed under 8th May 2019; Government employees have the investment guidelines issued by the been given the following options: Authority and equity exposure has been specified since inception for all the schemes Choice of Pension Fund: /segments. The investment options under NPS vary from Sector to Sector. As in the case of subscribers in the private sector, the Government subscribers shall 2.2.1 Government Sector (Central Govt / also be allowed to choose any one of the State Govt including Central Autonomous pension funds including private sector Bodies and State Autonomous Bodies) pension funds. They could change their option once in a year. However, the current As per the PFRDA’s investment guidelines, provision of combination of the public following exposure limits have been sector pension funds will be available as decided for the Government sector the default option for both existing as well including CABs/SABs under NPS: as new Government subscribers. Table No.2.1: Allocation of Assets in Choice of Investment Pattern: Government Sector i. Existing scheme in which funds Particulars Exposure are allocated by the PFRDA among Limits three Public Sector Undertaking (In Per cent) fund managers based on their past Government Securities & Upto 55 performance in accordance with the related investments guidelines of PFRDA for Government Debt Instruments & Upto 45 employees shall continue as default related investments scheme for both existing and new Short term debt Upto 10 subscribers. instruments & related ii. Government employees who prefer a investments fixed return with minimum amount of Equity & related Upto 15 risk shall be given an option to invest investments 100% of the funds in Government Asset backed, Upto 5 securities (Scheme G) trust structured iii. Government employees who prefer & Miscellaneous higher returns shall be given the investments 38Annual Report-2021-22 options of the following two life cycle- Under NPS-Lite, only 3 public sector Pension based schemes: Funds i.e., LIC Pension Fund Limited / a. Conservative life cycle fund with SBI Pension Funds Private Limited / UTI maximum exposure to equity Retirement Solutions Limited manage capped at 25% - LC-25 and invest the contributions in the ratio b. Moderate life cycle fund with (among the 3 pension funds) as decided by maximum exposure to equity the Authority from time to time. Further, capped at 50% - LC-50 a single private sector Pension Fund i.e., The Central Government subscribers under Kotak Mahindra Pension Fund Limited NPS may exercise one of the above choices of investment pattern twice in a financial has been chosen as one of the aggregators year. for managing the contributions. Under Some of the State Governments have also NPS- Lite scheme, no selection of Pension extended above choice of investments. Fund or the asset allocation is offered to the 2.2.2 NPS-Lite subscribers. The fresh enrolments under NPS-Lite 2.2.3 Atal Pension Yojana (APY) had been discontinued w.e.f 01.04.2015. However, for the existing NPS-Lite Atal Pension Yojana (APY), a Government subscribers, as per the PFRDA’s investment pension scheme for citizens of India, is guidelines, following exposure limits have been decided for the NPS -Lite sector. focused on the unorganised sector workers. Table No.2.2: Allocation of assets in NPS Under the APY, guaranteed minimum Lite Sector pension of Rs. 1,000/- or 2,000/- or 3,000/- or 4,000 or 5,000/- per month will be given Particulars Exposure at the age of 60 years depending on the Limits (In Per cent) contributions by the subscribers. Government Securities & Upto 55 Under Atal Pension Yojana (APY), no related investments selection of Pension Fund or the asset Debt Instruments & Upto 45 allocation is offered to the subscribers related investments because it is a guaranteed government Short term debt Upto 10 scheme, and the asset allocation is kept same instruments & related investments as for the Government sector employees under NPS as per the following: Equity & related Upto 15 investments Asset backed, trust Upto 5 structured & Miscellaneous investments 39Part II Table No.2.3: Allocation of assets in Atal Table No.2.4: Allocation of Assets in All Pension Yojana Sector Citizen/UoS Sector Particulars Exposure Particulars Exposure Limits (In Limits (In Per cent) Per cent) Equity & related investments Upto 75 Government Securities & Upto 55 Debt Instruments & related Upto 100 related investments investments Debt Instruments & related Upto 45 Government Securities & Upto 100 investments related investments Short term debt Upto 10 Alternate Assets Upto 5 instruments & related Short term investments Upto 10 investments (money market, short Equity & related Upto 15 duration mutual funds, & investments term deposits) Asset backed, Upto 5 Option of change of Pension Fund and trust structured investment choice & Miscellaneous Further, Pension Fund can be changed once investments in a financial year and Investment Option can be changed twice in a financial year by Under Atal Pension Yojana, 3 public the subscriber. sector Pension Funds i.e., LIC Pension 2.2.5 Corporate Sector Fund Limited / SBI Pension Funds Private For subscribers belonging to corporate Limited / UTI Retirement Solutions Limited sector – where the employer has adopted manage and invest the contributions in NPS for its employees, the investment options and choices have been kept flexible. the ratio (among the 3 pension funds) as decided by the Authority from time to time. There are two types of schemes under this segment: 2.2.4 All Citizen Un-Organised Sector i. Corporate CG scheme: This scheme The subscribers under All Citizen Un- has been discontinued and it is not available under corporate segment Organized Sector may opt for any of the but those corporates which were investment pattern i.e., “Active Choice” or already covered under this scheme “Auto Choice”. and have not changed this scheme are still continuing under this scheme. As per the PFRDA’s investment guidelines, following exposure limits have been As per the PFRDA’s investment guidelines, following exposure limits have been decided for the All Citizen /Un-Organized decided for the Corporate CG sector under Sector under NPS: NPS: 40Annual Report-2021-22 Table No. 2.5: Allocation of assets in related instruments Corporate CG Sector • Asset class G –Government Bonds and Particulars Exposure related instruments Limits (In • Asset Class A -Alternative Investment Per cent) Funds including instruments like Government Securities & Upto 55 CMBS, MBS, REITS, AIFs, InvIts etc. related investments The subscribers under this sector may Debt Instruments & Upto 45 opt for any of the investment pattern i.e., related investments “Active Choice” or “Auto Choice”. Short term debt Upto 10 As per the PFRDA’s investment guidelines, instruments & related following exposure limits have been investments decided for the corporate Sector under Equity & related Upto 15 NPS: investments Asset backed, Upto 5 Table No. 2.6: Allocation of assets in trust structured & Corporate Sector Miscellaneous investments Particulars Exposure Limits (In Under the Corporate CG scheme, Per cent) investments are with 2 Pension Funds i.e., LIC Pension Fund Limited or SBI Pension Equity & related Upto 75 Funds Private Limited. investments Debt Instruments & related Upto 100 ii. Other scheme: (At present available investments under corporate segment): Government Securities & Upto 100 Under this scheme, the employer related investments may delegate the responsibility of Alternate Assets Upto 5 selecting a Pension Fund and/or Short term investments Upto 10 mode of investment to employees or (money market, short the employer may select a Pension duration mutual funds, & Fund and/or the Life Cycle Fund on term deposits) behalf of its employees. These aspects related to NPS may form part of the Option of change of Pension Fund and employer-employee arrangement. As investment choice per the investment option exercised, the employer or the subscriber has Further, Pension Fund can be changed once to select any of the one registered in a financial year and Investment Option Pension Fund and further selection of can be changed twice in a financial year by asset allocation among the four asset the subscriber. classes as per the following: 2.2.6 Tier II Tax Saver Scheme (TTS) • Asset class E -Equity and related instruments The scheme is only available for NPS subscribers belonging to the Central • Asset class C -Corporate debt and 41Part II Government. There is a lock-in period Table No. 2.7: Asset Class Limits for TTS of 3 years from the date of unitization of contributions by Central Recordkeeping Asset Classes Limits( In Agencies to enjoy the tax benefits u/s 80C Per cent) of Income Tax Act. Equity 10 - 25 Debt Upto 90 No withdrawals will be allowed during the Cash/Money Market/ Upto 10 lock-in period, however, in case of death of Liquid mutual funds subscriber, the corpus can be withdrawn by the nominee/legal heir. Option of change of Pension Fund and investment choice In case of closure of Tier-I account due to exit from NPS, contributions to NPS-TTS The subscribers do not have any choice will not be allowed until the completion of of investment options under this scheme. the lock-in period. However, the TTS subscribers are allowed to have maximum of 3 pension funds The following investment limits have separately. However, the PF change will been prescribed to the Pension Funds with be allowed only after completion of lock-in respect to TTS: period. The details of the schemes wise asset under management in given in the table below: Table 2.8: Details of Asset under Management (Amt. in Rs. Crore) Scheme As on Mar-21 As on Mar-22 Absolute % Growth Growth Central Government 1,81,416.26 2,16,883.09 State Government 2,91,959.92 3,69,743.33 Sub Total 4,73,376.17 5,86,626.42 1,13,250.25 23.92 Corporate CG 36,929.68 47,343.05 E- I 18,979.51 30,303.85 C- I 9,686.52 15,509.97 G- I 16,766.29 27,630.39 A- I 74.76 162.65 E- II 850.98 1,424.50 C- II 482.73 762.55 G- II 835.49 1,214.08 Tier II - TTS 2.12 6.75 NPS Lite 4,354.38 4,686.74 APY 15,687.11 20,922.60 Sub Total 1,04,649.56 1,49,967.14 45,317.58 43.30 Grand Total 5,78,025.74 7,36,593.56 1,58,567.82 27.43 *Source NPS-Trust 42Annual Report-2021-22 The table above indicate that the asset Rs. 1,13,250 crores whereas other than under management for government sector government sector schemes in aggregate NPS schemes (CG and SG) has grown by grew by Rs. 45,317 crores. around 23.92%, however the asset under As explained above, the different schemes management of the schemes other than are managed by different Pension Fund these two schemes has grown by around managers, the details of asset under 43.30%. In terms of absolute number, management of various schemes under the the government sector schemes grew by respective Pension Funds are given below:- Table 2.9: Pension Fund wise and scheme-wise (CG, SG, NPS lite, APY & Corp. CG) Asset under Management as of March 2022 (Amount in Rs. Crore) Name of Pension CG SG NPS Lite APY Corp. CG Grand Fund/ Schemes Total SBI Pension 76,480.44 1,28,187.09 1,903.91 7,126.91 44,991.67 2,58,690.02 Funds Private Limited LIC Pension 69,678.87 1,21,709.06 1,369.96 6,916.23 2,351.38 2,02,025.50 Fund Limited UTI Retirement 70,723.78 1,19,847.18 1,339.49 6,879.46 1,98,789.91 Solutions Limited ICICI Prudential Pension Funds Management Company Limited Kotak Mahindra 73.38 73.38 Pension Fund Limited HDFC Pension Management Company Limited Aditya Birla Sun Life Pension Management Limited Total 2,16,883.09 3,69,743.33 4,686.74 20,922.60 47,343.05 6,59,578.81 43Part II Table 2.10: Pension Fund wise vis-a-vis scheme-wise (E-I, C-I, G-I, A-I, E-II, C-II & G-II, TTS-II) Asset under Management as of March 2022 Amount in Rs. Crore Name of Pension Grand E-I C-I G-I E-II C-II G-II A-I TTS-II Fund/ Schemes Total SBI Pension Funds Private 8,382.63 4,775.32 9,723.84 334.35 190.78 340.80 35.69 2.22 23,785.63 Limited LIC Pension 2,539.64 1,613.98 2,905.97 93.17 60.12 139.64 7.48 0.78 7,360.77 Fund Limited UTI Retirement 1,239.61 622.87 1,104.79 69.98 31.59 53.59 5.72 0.46 3,128.60 Solutions Limited ICICI Prudential Pension Funds Management 4,606.44 2,393.60 4,042.38 228.44 135.38 188.32 19.12 0.62 11,614.32 Company Limited Kotak Mahindra Pension Fund 873.59 423.93 708.06 65.50 31.44 47.94 5.78 0.31 2,156.55 Limited HDFC Pension Management 12,427.46 5,568.25 8,983.22 614.53 303.11 428.30 86.91 2.08 28,413.86 Company Limited Aditya Birla Sun Life Pension 234.48 112.01 162.14 18.54 10.12 15.48 1.95 0.27 555.01 Management Limited Total 30,303.85 15,509.97 27,630.39 1,424.50 762.55 1,214.08 162.65 6.75 77,014.75 The Asset class wise bifurcation of the assets under management as on March, 2022 vis-à- vis March 2021 is given below Table No.2.11: Asset Class wise bifurcation of Asset Under Management Asset Class March 31,2021 March 31,2022 Amount % of Amount % of (Rs Cr) Investment (Rs Cr) Investment G-Sec 2,86,131.91 49 3,73,451.90 51 Corporate Bond 1,76,412.24 30 2,03,071.95 28 Equity 91,400.25 16 1,21,423.93 16 REITs/InvIts - - 1,052.55 0.1 Money Market 15,346.52 3 25,734.55 3 Cash & Net Current Assets 8,733.82 2 11,858.68 2 Total 5,78,025.74 100 7,36,593.56 100 44Annual Report-2021-22 Chart No. 2.1: Asset Class wise bifurcation of Assets under Management 2.3 Regulations, Notification, issuance of iii. Pension Fund Regulatory and major circulars / Guidelines w.r.t. Pension Development Authority (Pension Fund. Fund) (Sixth Amendment) regulations, 2021 dated July 15, 2021. In regulation i. Pension Fund Regulatory and 8, in clause (g) of sub-regulation (1), in Development Authority (Pension line 3, the words “forty-nine per cent.” Fund) (Fourth Amendment) shall be substituted with “seventy- regulations, 2021 dated April 1, 2021. four per cent“. The amendment states about the iv. Pension Fund Regulatory and matter of annual fee and management Development Authority (Pension fee. Every pension fund shall deposit Fund) (Custodian of Securities) annual fee with the authority and regulations, 2021 dated September the investment management fee 22, 2021. “Provided that in the same is inclusive of all transactions- group where the sponsor of a Pension related charges except brokerage Fund, Trustee Bank or central record and custodian charges along with keeping agency or their associates, applicable taxes thereon. The cost are holding 50 percent or more of the of investment shall include only the voting rights of the share capital of stamp charges and brokerage along a custodian, it can apply to become with applicable taxes thereon. Custodian with the Authority under certain conditions. ii. Pension Fund Regulatory and Development Authority (Pension v. PFRDA (Registration of Pension Fund) (Fifth Amendment) regulations, Funds) Guidelines, 2021 for opening 2021 dated May 25, 2021. ‘on tap’ registration of Pension Funds. The sponsor, individually or jointly, vi. Investment Guidelines-2021 for NPS shall have a positive tangible net worth Schemes (Applicable to Scheme CG, of at least fifty crore rupees on the Scheme SG, Corporate CG and NPS last day of each of the preceding five Lite schemes of NPS and Atal Pension financial years and at least twenty-five Yojana). The Investment guidelines crore rupees should be the paid-up for NPS Schemes (Other than Govt. equity capital on the date of making Sector (CG &SG), Corporate CG, NPS application as sponsor. Lite and APY) were issued by PFRDA 45Part II w.r.t. asset class G (category i) and technology enabled which offers end asset class C (category ii). to end solution and is a secured mode of contribution fund transfer. Under vii. Relaxation of Processing of exit NACH Mandate, all the nodal offices applications by PoPs. Considering have to provide the ‘one-time mandate challenges faced due to Covid -19 registration’ for auto debiting their pandemic, Points of Presence (POPs) bank accounts with the amount based were given special dispensation on the SCF uploaded in NPSCAN. to accept the scanned and self- certified images of exit documents xi. Relaxation in processing of exit through digital means to process application by PoPs. Considering the withdrawal requests of the challenges faced due to Covid -19 Subscribers. The relaxation is further pandemic, Points of Presence (POPs) extended till 31st July 2021 in the under NPS were provided with the interest of Subscribers. special dispensation to accept the scanned and self-certified images of viii. Premature exit of NPS Lite exit documents through digital means Swavalamban Subscribers. The to process the withdrawal requests Swavalamban Subscribers whose of the Subscribers. This once of the accumulated pension wealth do not majors taken by PFRDA to alleviate exceed one lakh rupees and if they are the difficulties being faced by the not eligible to migrate to Atal Pension Subscribers in submitting physical Yojana (APY), can opt to prematurely applications for exit/withdrawal exit with lump sum payment with and the logistical challenges faced by certain condition. POPs. ix. Relaxation of timelines for activities xii. Facility of NPS on-boarding through under National Pension System online Aadhaar e KYC. The on- (NPS) & NPS Lite - Swavalamban boarding process of NPS prospective Scheme in view of Covid-19 subscribers was made easy, pursuant to Pandemic. PFRDA had relaxed in the the approvals from Dept. of Revenue, timelines on the request of the PoPs, Government of India to undertake in view of the lockdown and other Online Aadhaar e-authentication preventive measures undertaken by services from UIDAI under Section the Government during Covid-19 11A of PMLA 2002, NSDL – CRA has pandemic. enabled the Aadhaar based online x. Launch of NACH mandate for the e-KYC authentication functionality benefit of Nodal Officers/PoP/ for subscriber registration in e NPS Corporate. Introduction of National platform. Automated Clearing House (NACH) xiii. Appointment of Computer Age mandate jointly hosted by Trustee Management Service Ltd (CAMS) Bank (TB) and Central Record Keeping as Central Record Keeping Agency (CRA) through NACH operated by (CRA) under NPS. In order to increase National Payments Corporation of competition and provide better India (NPCI). The NACH mandate is 46Annual Report-2021-22 services to the subscribers under NPS, 2.4 Inspection PFRDA has granted Certificate of During the FY 2021-22, inspection of 7 Registration (CoR) to Computer Age Pension Funds was conducted as under: Management Services Ltd. (CAMS) to act as Central Record keeping Agency i. SBI Pension Funds Private Limited (CRA) for NPS under PFRDA (CRA) Regulations, 2015. ii. LIC Pension Fund Limited xiv. Central KYC Records Registry iii. UTI Retirement Solutions Limited (CKYCR). Government of India has iv. HDFC Pension Management authorized the Central Registry Company Limited of Securitization and Asset Reconstruction and Security interest v. ICICI Prudential Pension Funds of India (CERSAI) to act as, and to Management Company Limited perform the functions of the Central KYC Records Registry under the PML vi. Kotak Mahindra Pension Fund Rules 2005, POP under NPS were Limited advised to registered with CERSAI for vii. Aditya Birla Sun Life Pension CKYC registration. Management Limited 47Part III Part III Investment of Funds under NPS The chapter deals with duty, power, and Central Recordkeeping Agency (CRA), functions of the Authority for promotion and which is responsible for the recordkeeping orderly growth of the National Pension System of individual pension accounts called PRAN and pension schemes in accordance with of the subscribers and acts as a coordinator Section 14 of Pension Fund Regulatory and for the NPS architecture, Trustee Bank, Development Authority Act, 2013 to protect responsible for the day-to-day flow of funds the interests of subscribers of such system and and banking facilities, the Pension Funds schemes. (PFs), mandated to invest and manage the pension assets of the subscribers covered Functions of the Authority under NPS as per the investment guidelines prescribed by PFRDA and Annuity Service 3.1 Registration of intermediaries and Providers (ASPs), empanelled with PFRDA suspension, cancellation, etc., of such to provide a monthly annuity pension to registration; and regulation of activities the subscriber. of the intermediaries associated with the National Pension System or the pension i) Government Sector - Central and schemes State Autonomous Bodies Section 14 of the PFRDA Act, 2013 lays Registration of Autonomous Bodies: down the duties, powers, and functions Continuous efforts have been made to of the Authority to regulate, promote and register Central and State Autonomous ensure orderly growth of the National bodies by interacting with them as well as Pension System and pension schemes, and with the respective Financial Advisors of to protect the interests of subscribers of Central Ministries and Nodal Officers of the such system and schemes. State Governments. PFRDA also assisted State Governments towards streamlining The National Pension System and any other guidelines and notifications for registration Pension Scheme which are operationalized of SABs. by PFRDA through large number of entities such as Pay & Accounts offices / Further, processing of Letters of Consent Treasury Offices at the Central and State (LoCs) received from CABs and SABs Government, they are responsible for the after ensuring the compliance of stipulated registration and upload of the periodic guidelines issued by Central Government NPS subscription of the Government and State Governments and also handles employees on the NPSCAN, the Point of queries of NPS during pre-registration Presence (PoPs) which are Banks, Non- process are undertaken. Banking Financial Companies (NBFC), Micro Finance Institutions (MFI) etc. which Letters of consent processed in FY 2021-22 assist in the registration and upload of NPS (i) CABs – 20 (ii) SABs – 119 subscription for the corporate, private sector and unorganized sector subscribers, the As on March 31, 2022, the number of Aggregators (now POPs) which help in the PrAOs/DTAs, PAOs/DTOs and DDOs are last-mile reach to the potential subscribers as are as under: - particularly in the informal sector, the 48Annual Report-2021-22 Table No. 3.1 Number of PrAOs/ DTAs, No. of PAOs/DTOs and No. of DDOs Sector No. of No. of No. of No. of No. of No. of PrAOs/ PrAOs/ PAOs/ PAOs/ DDOs DDOs DTAs DTAs DTOs DTOs (2021) (2022) (2021) (2022) (2021) (2022) Central Government 134 144 2,987 3,027 16,221 16,375 Central Autonomous 631 651 1,989 2,019 4,088 4,126 Body Total 765 795 4,976 5,046 20,309 20,501 Table No. 3.2 Number of DTA/DTOs/DDOs Sector No. of No. of No. of No. of No. of No. of PrAOs/ PrAOs/ PAOs/ PAOs/ DDOs DDOs DTAs DTAs DTOs DTOs (2021) (2022) (2021) (2022) (2021) (2022) State Government 72 74 1,986 2,402 2,21,463 2,25,103 State Autonomous 560 612 5,242 5,522 13,855 15,827 Body Total 632 686 1,490 7,564 2,35,318 2,40,930 Table No. 3.3 Registration of new CABs and SABs during FY 2021-22 Details As on March 31, 2022 As on March 31, 2021 Registration during the FY 2021-22- CABs 651 630 21 SABs 1,578 1,459 119 Table No. 3.4 Newly registered CABs & SABs Financial Year Wise FY wise performance FY 2017-18 FY 2018-19 FY 2019-20 FY 2020--21 FY 2021-22 Newly registered CABs 25 25 24 27 21 Newly registered SABs 272 107 133 141 119 Source: Sup (CAB/SAB) & P&D (CAB/SAB) As on March 31, 2022, 1,578 State ii) Points of Presence (PoPs) Autonomous Bodies and 651 Central Registration of POPs: Though, Atal Pension Autonomous Bodies are registered under Yojana (APY) is administered by PFRDA NPS. but there were no regulations for entities offering APY services. To bring APY Further, there are 311 PoPs (registered with CRAs), three Central Recordkeeping under the ambit of PFRDA, PFRDA (POP) Agency, one Trustee Bank, seven Pension Regulations, 2018 were notified and APY Funds and fourteen Annuity Service was also included under it as a separate Providers as on March 31, 2022. category of POP. 49Part III Categories of POPs under current During the financial year, 5 PoPs were regulations are as below: activated /operationalized to enhance NPS distribution to the public at large. (i) National Pension System (NPS) – Distribution and servicing for public iii) Pension Funds at large through physical as well as Letter of Appointment of Sponsor issued online platforms on 19.05.2021 to Kotak Mahindra Asset (ii) National Pension System (NPS) – Management Co. Ltd. and Kotak Mahindra Distribution and servicing for citizens Bank Ltd. under RFP dated 23.12.2020 for at large through online platforms only selection of Sponsors of Pension Funds. (iii) National Pension System (NPS) – Certificate of Registration issued on Distribution and servicing only for 01.06.2021 to Kotak Mahindra Pension own employees and other personnel Fund Limited under RFP dated 23.12.2020. either through physical or online Letters of Appointment issued on 24.09.2021 platforms. Provided that only such to following entities as the Sponsors of entities shall be permitted to function Pension Funds selected under PFRDA which has covered its employees (Registration of Pension Funds Guidelines), for social security benefits under 2021 issued on 01.07.2021. the provisions of the Employees Provident Fund and Miscellaneous i. Tata Asset Management Private Limited Provisions Act, 1952 or the Employees State Insurance Act, 1948 or under the ii. Max Life Insurance Co. Ltd. Goods and Services Act, 2017 and is Letter of Appointment of Sponsor issued on registered with authorities under the 24.11 2021 to Aditya Birla Sun Life Insurance said enactments, for not less than a Co. Ltd. under RFP dated 23.12.2020 for period of two years, from the date of selection of Sponsors of Pension Funds. the application Certificate of Registration issued to Tata (iv) NPS Lite- scheme Pension Management Limited under (v) Atal Pension Yojana PFRDA (Registration of Pension Funds) Guidelines, 2021. (vi) Any other scheme regulated or administered by Authority Selection of Deutsche Bank AG as the Custodian of Securities under RFP issued Under POP Regulations, 2018, PFRDA has on 25.09.2021. i. Letter of Appointment issued Certificate of Registration (CoR) to issued ii. Certificate of Registration issued PoPs and PoP-SEs, number of CoR issued iii. Certificate of Commencement of as on March 31, 2022, are as below: Business issued Accordingly, Deutsche Bank AG started operations as Custodian (i) PoPs – 311 (ii) PoP-SEs – 50 of Securities w.e.f. 02.04.2022 The enrollments in NPS Private Sector The Investment Management Fee has been for FY 2021-22 were undertaken by 86 revised w.e.f. April 1, 2021 (incorporated Point of Presence (as on 31st March 2022). 50Annual Report-2021-22 under CoRs issued on March 30, 2021) ii. All fresh issuance of the GOI-Fully as per following slab structure of AUM Serviced Bonds post 16.07.2020 shall managed by the PFs: be classified under ‘Government Securities and Related Investments’/ Table No. 3.5: Investment Management Asset Class ‘G’ Fee w.e.f. April 1, 2021 Letter issued to Birla Sun Life Pension Slabs of AUM Maximum Management Ltd. on Revalidation and Investment Extension of Certificate of Registration. Management Fee A Fresh Certificate of Registration has (In Per cent) been issued to Aditya Birla Sun Life Upto 10,000 Cr. 0.09* Pension Management Ltd. in changed name. 10,001 – 50,000 Cr. 0.06 50,001 – 1,50,000 Cr. 0.05 iv) Retirement Advisors Above 1,50,000 Cr. 0.03 Certificate of Registrations were issued *UTI RSL to charge 0.07% under this slab. after evaluation of applications as per eligibility criteria defined in PFRDA The IMF to be charged by the Pension (Retirement Adviser) Regulations, Fund on the slab structure would be on the 2016 and subsequent amendments. aggregate AUM of the Pension Fund under all schemes managed by Pension Funds During the FY 2021-22, 23 Individual and to be calculated upto four decimal Retirement Advisors & 4 other than points and truncated thereof. These rates of Individual Retirement Advisors were IMF shall be reviewed by the Authority in registered under the NPS architecture. a period of five (5) years from the date of To expedite the registration process, implementation. online platform for registration is available where applicants can apply The above rates of investment management online. fee are exclusive of brokerage, custodian fee and applicable taxes thereon, subject to v) Central Recordkeeping Agency maximum brokerage allowed to be charged Amendment, notification, and to the scheme by the Pension Funds @ 0.03% dissemination of amendment to (including applicable taxes on brokerage) Regulations on equity transactions only. All other costs shall be borne by the pension fund and Pension Fund Regulatory and shall not be reimbursed or charged to the Development Authority (Central scheme by the Pension Fund. Record Keeping Agency) (Second Amendment) Regulations, 2020 issued Clarification of Change in Investment to set standards for the eligibility, Guidelines: governance, organization, and operational conduct of the CRA and for i. Investment in securities having providing centralized recordkeeping, residual maturity of three years shall administration, and customer service be done as per earlier guidelines/ functions to all subscribers. norms 51Part III Extension to the tenure of registration vii) NPS Trust of M/s NSDL E-Governance Pension Fund Regulatory and Infrastructure Ltd (Now Protean) as Development Authority (National Central Recordkeeping Agency for a Pension System Trust) (Second further period of one year from April Amendment) Regulations, 2020 01, 2020, till March 31, 2021, or the date issued to amend the governance of a of grant of registration certificate under Trustee of the Board of Trustees of the the first amendment to PFRDA (CRA) National Pension System Trust. Regulations, 2015 and amendments there under, whichever is earlier. The details of the Trustees of NPS Trust Board as on March 31, 2022 In FY 2020-21, another entity, Computer Age Management Services 1. Sh. Atanu Sen Chairman & Trustee Ltd. (CAMS) has been granted Certificate of Registration under 2. Sh. Sudhir Shyam Trustee PFRDA (CRA) Regulations, 2015. 3. Sh. Ruchir Mittal Trustee The third CRA has operationalised its eNPS platform w.e.f. 17th March 2022. 4. Dr. P.C. Jaffer Trustee However, it is yet to commence its operations fully. 5. Sh. J K Sharma Trustee vi) Trustee Bank 6. Sh. Dinesh Kumar Mehrotra Trustee No regulatory changes were 7. Sh. Radhakrishnan Nair Trustee introduced. However, timely 8. Sh. Sanjeev Chanana Trustee collection of annual fee and compliance certificate was ensured. 9. Sh. Suraj Bhan Trustee Axis Bank Ltd. has been appointed as 10. Sh. Y Venkata Rao Trustee Trustee Bank under NPS, in response to the Request for Proposal (RFP) dated 11. Ms. Chitra Jayasimha Trustee 12th October 2020 issued by PFRDA viii) Exit and Annuity Service Providers for selection of Trustee Bank under (ASPs): PFRDA (Trustee Bank) Regulations, 2015 and amendments thereto. Amendment, notification, and dissemination of amendment to The Certificate of Registration issued Regulations Pension Fund Regulatory to Axis Bank as NPS Trustee Bank and Development Authority (Exits w.e.f. 8th January 2021 and is valid for and Withdrawals Under the National a period of five years from the date Pension System) (Amendment) of grant of certificate of registration Regulations, 2020 issued to facilitate and extension granted thereto, ease of exit from NPS. unless suspended or cancelled by the Authority as per regulation 13 of 3.2 Approval of schemes, the terms and PFRDA (Trustee Bank) Regulations conditions thereof including norms for 2015 and amendments thereto. 52Annual Report-2021-22 the management of corpus of the pension Ltd, UTI Retirement Solution Ltd. and LIC funds and investment guidelines under Pension Fund Ltd. such schemes For the scheme applicable to State The details of schemes administered by the Government employees and employees of Authority may be referred in Part II of the State Autonomous bodies, the Assets under report. Management for the FY 2021-22 have been allocated to SBI Pension Fund Pvt. Ltd, The allocation of funds for incremental UTI Retirement Solution Ltd. and LIC subscriptions under existing Central Pension Fund Ltd. in the ratio of 31:34:35 Government Scheme as a default scheme respectively while earlier this ratio of under NPS as per Notification F. No. allocation was 38.5:32:29.5 for SBI Pension 1/3/2016-PR dated 31.01.2019 issued Fund Pvt. Ltd, UTI Retirement Solution by DFS and existing State Government Ltd. and LIC Pension Fund Ltd. scheme/default scheme, for both existing as well as new Government subscribers under 3.3 Exit of subscribers from the Central Govt. and State Govt. Sectors, for National Pension System the FY 2021-22 was distributed among the 3.3.1 As per PFRDA (Exits & pension funds. Withdrawals under NPS) Regulations Further under Central Government and 2015 and amendments thereto, following Central Autonomous Bodies, the Assets Withdrawal categories are allowed: under Management for the FY 2021-22 (i) Exit of subscribers from the National have been allocated to SBI Pension Fund Pension System Pvt. Ltd, UTI Retirement Solution Ltd. and LIC Pension Fund Ltd. in the ratio As per PFRDA (Exits & Withdrawals 31:34:35while earlier this ratio of allocation under NPS) Regulations 2015, following was 38:32:30 for SBI Pension Fund Pvt. Withdrawal categories are applicable: Table No. 3.6: PFRDA (Exits & Withdrawals under NPS) Regulations 2015 and amendments Sr. Withdrawal Conditions in Government Conditions in Non- No. Categories Sector Government Sector 1 Upon Normal At least 40 per cent of the Same as Government Sector Superannuation accumulated pension wealth of the Subscriber has to be utilized for purchase of an Annuity providing for monthly pension to the Subscriber and the balance is paid as lump sum to the Subscriber. 53Part III If the accumulated pension wealth in the PRAN is equal to or less than 2 lakhs, the subscriber shall have the option to withdraw the entire accumulated pension wealth without purchasing annuity. However, there is slight change Exit guidelines notified vide 14th June 2021, wherein, there is revision of the accumulated pension wealth in the Permanent Retirement Account of the subscriber is equal to or less than a sum of five lakh rupees, or a limit as specified by the Authority. 2 Upon Death At least 80 per cent of the If subscriber before attaining accumulated pension wealth of the age of 60 years or the Subscriber has to be utilized superannuation dies, then the for purchase of an Annuity entire accumulated pension providing for monthly pension to wealth of the subscriber shall the Spouse and the balance is paid be paid to the nominee or as lump sum to the nominee/ nominees or legal heirs. legal heir. The nominee or family If the accumulated pension members of the deceased wealth in the PRAN at the time subscriber shall have the of his death is equal to or less option to purchase any of the than 2 lakhs, the nominee or legal annuities being offered upon heirs as shall have the option to exit if they so desire. withdraw the entire accumulated pension wealth without purchasing annuity. However, there is slight change Exit guidelines notified vide 14th June 2021, wherein, there is revision of the accumulated pension wealth in the Permanent Retirement Account of the subscriber is equal to or less than a sum of five lakh rupees, or a limit as specified by the Authority. 3 Pre-mature Exit At least 80 per cent of the The option so exercised accumulated pension wealth of shall be allowed only upon the Subscriber has to be utilized such subscriber having for purchase of an Annuity subscribed to the national providing the monthly pension pension system for at least to the Subscriber and the balance a minimum period of ten is paid as a lump sum to the years. At least 80 per cent Subscriber. of the accumulated pension 54Annual Report-2021-22 If the accumulated pension wealth of the Subscriber has wealth in the PRAN is equal to or to be utilized for purchase less than 1 lakh, such subscriber of an Annuity providing shall have the option to withdraw the monthly pension to the the entire accumulated pension Subscriber and the balance wealth without purchasing any is paid as a lump sum to the annuity. Subscriber. However, there is slight change If the accumulated pension in Exit guidelines notified on wealth in the PRAN is equal June 14, 2021, wherein, there to or less than 1 lakh, such is revision of the accumulated subscriber shall have the pension wealth in the Permanent option to withdraw the entire Retirement Account of the accumulated pension wealth subscriber is equal to or less than without purchasing any a sum of two lakh fifty thousand annuity. rupees, or a limit as specified by However, there is slight the Authority. change in Exit guidelines notified on June 14, 2021, wherein, there is revision of the accumulated pension wealth in the Permanent Retirement Account of the subscriber is equal to or less than a sum of two lakh fifty thousand rupees, or a limit as specified by the Authority. In addition, Subscriber can decide to remain • Start your Pension: If Subscriber invested in NPS (Up to 75 years) or can exit does not wish to continue/defer NPS from NPS. Following options are available account, he/she can exit from NPS. to NPS Subscribers: He/she can initiate exit request online • Continuation of NPS account: and as per NPS exit guidelines start Subscriber can continue to contribute receiving pension. to NPS account beyond Retirement (Up to 75 years) and avail additional One can watch video on Continuation tax benefit on the contribution. & Deferment process available on the dedicated YouTube channel “NSDL - NPS • Deferment of Withdrawal: Subscriber Ki Pathshala” at https://bit.ly/2ZLzTkB can defer his/her Withdrawal and and on “Online Withdrawal Processing by stay invested in NPS up to 75 years of age. Subscriber can defer only lump Subscriber” at https://bit.ly/2vyuhfK sum Withdrawal, defer only Annuity, For the purpose of exit from the NPS, the or defer both lump sum as well as subscribers are categorized and defined as: Annuity. 55Part III (i) Government sector, (ii) All citizens regulations specified shall apply including corporate sector and accordingly to the category to which (iii) NPS Lite subscribers. The exit the subscribers belong to. Table No. 3.7: No. of Withdrawal Reported, Accepted and Settled during April 1, 2021, and March 31, 2022 Online Withdrawal Physical Withdrawal Sr. Sector Reported Accepted Reported Accepted No. Settled Settled * $ # *** 1 Central 7865 7,345 7275 47 47 47 Government 2 State Government 30,472 27,375 27318, 66 66 66 3 All Citizen/UoS 8,529 8,253 7711 54 54 54 4 Corporate 5,456 5,213 4326 - 8 8 5 NPS Lite 34,690 34,309 34,302 524 524 524 Total 87,012 82,495 80,932 699 699 699 (Source of Data: NSDL – CRA & Kfin Technologies-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. # Physical Withdrawal: Reported implies the cases where CRA has received the physical withdrawal requests from Nodal Office/Subscriber till April 30, 2016. *** Physical Withdrawal: Accepted implies the cases which were On Hold at CRA and for which necessary documents received from Nodal Office/ Subscriber. Table No. 3.8: Withdrawal claims outstanding as on March 31, 2021 & March 31, 2022. Sr. Sector Online Withdrawal Pending No. As on March 31, 2021 As on March 31, 2022 1 Central Government 434 520 2 State Government 2417 3097 3 UOS 469 286 4 Corporate 246 244 5 NPS Lite 315 381 Total 3881 4528 (Source of Data: NSDL – CRA & Kfin Technologies -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 inadequate documents submitted by the the cases the withdrawal applications subscribers or the Nodal Offices. pending for processing is due to missing/ 56Annual Report-2021-22 3.3.2 Partial Withdrawal under NPS and treatment in respect of the following diseases: NPS subscribers can do partial withdrawals, not exceeding 25 per cent of i. Cancer; the contribution made by the subscriber, ii. Kidney Failure (End Stage Renal excluding contribution made by employer, Failure); if any, at any time before exit from National Pension System subject to the terms and iii. Primary Pulmonary Arterial conditions, purpose, frequency, and limits Hypertension; specified below: iv. Multiple Sclerosis; (a) Purpose: A subscriber on the date of submission of the withdrawal form, v. Major Organ Transplant; shall be permitted to withdraw not vi. Coronary Artery Bypass Graft; exceeding twenty-five per cent of the contributions made by such subscriber vii. Aort Graft Surgery; to his individual pension account, for any of the following purposes only: - viii. Heart Valve Surgery; (i) for Higher education of his or ix. Stroke; her children including a legally x. Myocardial Infarction adopted child. xi. Coma; (ii) for the marriage of his or her children, including a legally xii. Total blindness; adopted child. xiii. Paralysis; (iii) for the purchase or construction of a residential house or flat in his xiv. Accident of serious/ life or her own name or in a joint name threatening nature. with his or her legally wedded xv. any other critical illness of a life- spouse. In case, the subscriber threatening nature as stipulated already owns either individually in the circulars, guidelines or in the joint name a residential or notifications issued by the house or flat, other than ancestral Authority from time to time. property, no withdrawal under Covid-19 is also included under these regulations shall be this category. permitted. xvi. to meet medical and incidental (iv) for treatment of specified expenses arising out of the illnesses: if the subscriber, his disability or incapacitation legally wedded spouse, children, suffered by the subscriber. including a legally adopted child or dependent parents suffer xvii. Towards meeting the expenses by from any specified illness, which subscriber for skill development/ shall comprise of hospitalization re-skilling or for any other self- 57Part III development activities, as may submitted by the subscriber, along be permitted by the Authority with relevant documents to the by issuance of appropriate central recordkeeping agency or the guidelines, in that behalf. National Pension System Trust, as may be specified, for processing of xviii. Towards meeting the expenses such withdrawal claim through their by subscriber for establishment nodal office. Provided that where a of own venture or any start- subscriber is suffering from any illness, ups, as may be permitted by specified in sub-clause (d), the request the Authority by issuance of for withdrawal may be submitted, appropriate guidelines, in that through any family member of such behalf. subscriber. (b) Limits: The permitted withdrawal Table No. 3.9: No. of Partial Withdrawal shall be allowed only if the following Cases Reported and Settled during the eligibility criteria and limit for availing period FY 2021-22 the benefit are complied with, by the subscribers: - S. Sectors Reported** Settled** N. (a) the subscriber shall have been in 1 Central 32,668 33,054 the National Pension System at Government least for a period of three years from the date of his or her joining; 2 State 89,264 88,586 Government (b) the subscriber shall be permitted 3 UOS 2,599 2,867 to withdraw accumulations not 4 Corporate 6,651 7,057 exceeding twenty- five per cent of the contributions made by him 5 NPS Lite 6 6 or her and standing to his or her Total 1,31,188 1,31,570 credit in his or her individual (Source: NSDL – CRA & Kfin Technologies -CRA) pension account, as on the date of Note: application for withdrawal; * Reported cases includes authorized by Nodal Office and pending for authorization by Nodal Office. (c) Frequency: the subscriber shall **Settled cases are where funds have been transferred be allowed to withdraw only a to subscriber’s bank account maximum of three times during the # Cases Initiated by Subscriber is also added in entire tenure of subscription under Initiated by Nodal Office. the National Pension System. The request for withdrawal shall be 58Annual Report-2021-22 Table No. 3.10: Reason wise of Partial rules of NPS, from a PFRDA empanelled withdrawal cases reported & Settled Annuity Service Providers. during the period from April 1, 2021, to Annuity Service Providers are Insurance March 31, 2022 Regulatory and Development Authority of India (IRDAI) licensed and regulated life Reason for Reported Settled insurance companies, transacting annuity Withdrawal business in India and are empanelled For Higher 8,568 8,540 by PFRDA for servicing the annuity education of requirements of the NPS subscribers. children including a legally adopted Presently, the following 14 ASPs are child empanelled with PFRDA to provide annuity services to NPS subscribers: For the marriage of 8,568 8,540 children, including i) Life Insurance Corporation of India a legally adopted ii) SBI Life Insurance Co. Ltd. child iii) ICICI Prudential Life Insurance Co. For the purchase 75,155 75,356 Ltd. or construction of a iv) HDFC Standard Life Insurance Co. residential house Ltd For treatment of 24,758 24,786 v) Star Union Dai-ichi Life Insurance Co. specified illness Ltd To meet medical & 10,962 10,912 vi) Kotak Mahindra Life Insurance Co. incidental expenses Ltd due to disability/ vii) India First Life Insurance Co. Ltd incapacitation viii) Edelweiss Tokio Life Insurance Co. For skill 2,483 2,586 Ltd development/ re-skilling or ix) Bajaj Allianz Life Insurance Co. Ltd. any other self- x) Canara HSBC Oriental bank of development Commerce Life Insurance Co. Ltd. activities xi) Tata AIA Life Insurance Co. Limited For establishment 323 360 xii) Max Life Insurance Co. Limited of own venture or xiii) Aditya Birla life insurance company any start-up limited Total 1,31,188 1,31,570 xiv) PNB MetLife Insurance Company Limited i) Details of Annuity Service Providers Under National Pension System (NPS), the (ASPs) and Annuity Schemes opted by subscriber has the option to choose the type subscribers of Annuity and the ASPs. The subscriber Annuity provides for a monthly payment may choose the annuity type/scheme of pension against deposit of a lump sum basing on his requirements from the amount. The subscriber has to mandatorily available schemes offered by the respective purchase the annuity as specified in the exit ASPs. 59Part III Table No. 3.11: Online Annuity requests processed during April 1, 2021, to March 31, 2022 Sr. Annuity Service Providers/Annuity Schemes No. of Cases Amount No. Transferred (Rs. In crore) 1 Annuity for life 2373 104.77 2 Annuity for life with return of purchase price on 12071 710.99 death 3 Annuity payable for life with 100 per cent annuity 4035 215.63 payable to spouse on death of annuitant 4 Annuity payable for life with 100 per cent annuity 4242 562.14 payable to spouse on death of annuitant with return on purchase of annuity 5 Life Annuity with Return of Premium/Purchase 33 1.30 Price in parts 6 Life Annuity with Return of Premium/Purchase 148 8.51 Price on diagnosis of Critical Illness 7 NPS - Family Income Option 4715 316.14 Total 27617 1919.48 (Source of Data: NSDL – CRA & Kfin Technologies -CRA) ii) Digital initiatives rolled out by For creating awareness on Annuity among PFRDA which can be consumed retiring NPS Subscribers. The program by the Subscriber either mobile or held jointly with Annuity Service Providers through Internet and CRAs. ALPs held for 2 different states, Chhattisgarh and Madhya Pradesh in a. e-Annuity Literacy Programs physical mode while 4 ALPs were held in (ALPs) online mode for subscribers. Table No. 3.12: ALP conducted during FY2021-22 S.No. Online & Offline Location Date Participants 1 eALP Kerala 28th January 2022 265 2 ALP Indore 17th December 2021 350 3 ALP Raipur 25th & 26th November 2021 375 4 eALP Tamil Nadu 27th October 2021 245 5 eALP All India 17th September 2021 290 6 eALP All India 13th August 2021 260 Total 1785 60Annual Report-2021-22 b. Online Pension Calculator d. Online Exit/Withdrawals The pension calculator illustrates i. Ease of Annuity issuance for NPS the tentative pension and lump sum subscribers on single KYC. amount an NPS subscriber may expect KYC and Withdrawal documents on maturity or 60 years of age based uploaded by nodal officers suffice on regular monthly contributions, to issue annuity by Annuity percentage of corpus reinvested for purchasing annuity and assumed rate Service Providers (ASP). The in respect of returns on investment process was finalized by PFRDA and annuity selected for. It is available in co-ordination with IRDAI and in NPS Trust website. ASPs. Link for pension calculator: http:// ii. Instant Online Bank Account www.npstrust.org.in/content/ verification pension-calculator As part of additional due https://cra-nsdl.com/CRAOnline/ diligence, instant Bank Account aspQuote.html verification through Penny drop introduced to avoid return of https://nps.kfintech.com/npc/ funds and check the beneficiary c. Special Measures during Covid-19 details on real time basis. The process makes the exit seamless i. Online Withdrawal process and avoids delays. The relaxation was given to nodal iii. e-NPS Subscribers exit offices/POPs for accepting the scanned /self-certified images of The online e-NPS exit functionality exit documents through digital built in coordination with Banks. means to process the withdrawal Functionalities rolled out on request of NPS. Subscribers can November 30, 2020. submit the documents digitally iv. Exit Authorization code (EA instead of physical mode. Code). ii. Partial Withdrawal allowed for Covid-19 related medical Facilitate the Subscribers to verify treatment mobile number at the time of exit and improves the contact Partial withdrawal guidelines ability. Ensures ease of annuity modified to include Covid related processing by ASPs. ailments. 61Part III Table No. 3.13: Overall summary of use video-based customer functionalities released by PFRDA in identification process (VCIP) 2021 -22 for the purpose on onboarding, exit or any other service request Name of the No. of requests related to NPS. It will overcome Functionality processed in FY the challenges of remote presence, 2021 -2022 * limited mobility, contactless Online Withdrawal 306 service, social distancing norms process based on etc. and also optimize the turn- scanned documents* around time of account opening, Partial Withdrawal 6790 (Rs 47.39 execution of exit and other cases (along with Crores) service request. It provides total amount) allowed the opportunity for expanding for Covid-19 related reach of NPS since account medical treatment ** opening process is paperless, online e-NPS exit 1,156 instantaneous, convenient, and cost effective. Partial withdrawal 55,172 (overall)*** b. Offline Aadhaar based online exit Online exit process 1,619 for NPS Subscribers Expediting the process of exit by associated with POPs using offline Aadhaar. This will (Corporate) make process of exit Seamless, paperless, and also time bound Online exit process 1,940 processing of exit. for NPS Subscribers associated with POPs c. Online Partial Withdrawal (UOS) (Source of Data: NSDL CRA, Kfin Technologies CRA and CAMS Ease of partial withdrawal process CRA) on self-declaration basis and Notes: The numbers provided are for the relevant functionalities making the process online along released during FY 21-22. * Govt Paperless processed cases were considered. with penny drop. Reduces the ** online e_ NPS nos. consists self-authorization and Bank POP Turnaround time for processing authorization cases. partial withdrawal. *** Partial withdrawal request initiated by Subscriber and self- authorized have been considered. d. Online Smart Exit Guide iii). Digital Initiatives – Work in progress at It helps subscribers to get Annuity PFRDA and in the process of roll out quotes with/without return of a. Video based Customer purchase price. Subscribers can Identification Process (VCIP) for take well informed decision while remote onboarding and exit selecting annuity schemes offered by various ASPs. PFRDA has permitted its registered intermediaries to e. Online exit process for NPS Subscribers associated with POPs. 62Annual Report-2021-22 Under this process, subscribers POPs. can upload the withdrawal 3.4 Activities undertaken for protection documents along with KYC and of interests of subscribers under the authorize using eSign/OTP. This National Pension System and of other paperless process of exit helps in pension schemes under the Act timely processing of claims and issue of annuity. For processing One of the major aims of PFRDA is of exit, the subscriber has to pay protection of subscribers’ interest and 0.0125 per cent with minimum PFRDA has been engaged in multifarious amount of Rs 125 and maximum activities in furtherance of this cause. up to Rs. 500 of their corpus to the Table No. 3.14: Measures taken to protect subscribers’ interest Sr. No. Initiative Benefits 1. Offline Aadhar KYC for Ease of on-boarding and instant PRAN generation On-boarding 2. ePRAN card for NPS Now the Subscribers have to pay less for Account Subscribers opening and it is easy to handle. 3. OTP based authentication Paperless on boarding of subscribers. by Subscribers. 4. Online Aadhaar e-KYC PFRDA’s proposal approved by UIDAI to offer online e-KYC verification to one of the CRAs. 5. D-Remit (Direct Same day NAV and Facility of auto debit to NPS Remittance) Subscribers. Delay in processing the contribution is cut down by two days. 6. NACH based debit Automated debit through NACH e-mandate introduced on pilot basis. The process initiated in FY 2020-21 and would be rolled out in FY 2021-22. 7. E-nomination facility Online nomination/ updation of nominees in a through e sign paperless manner 8. Ombudsman for NPS/ FAQ published for the benefit of Subscribers and APY wide awareness created about the services of Ombudsman. 9. Annuity Literacy For creating awareness on Annuity among Programs (ALPs) retiring NPS Subscribers. The programs held jointly with Annuity Service Providers, Nodal Officers of Govt and CRAs. 63Part III Sr. No. Initiative Benefits 10. Annuity Calculator Revamped Annuity Calculator for better transmission of annuity rates/ information to NPS Subscribers. 11. Compliance certificate for Half yearly compliance certificate being submitted ASPs by ASPs for enhanced Subscribers service. 12. NPS Tax Saver account Enables tax saving by subscribers of Central Government Sector. 13. Choice of Investment and Government sector subscribers can exercise PFs choice of investment and select PFs. 14. OTP based Authentication To alleviate the difficulties of NPS Subscribers for legacy NPS accounts who have opened their NPS Accounts during Covid-19 pandemic induced lock down but could not submit physical applications to CRA. 15. Withdrawal process The relaxation was given to nodal offices/POPs for accepting the scanned /self-certified images of exit documents through digital means to process the withdrawal request of NPS. 16. Partial Withdrawal Partial withdrawal guidelines modified to include allowed for covid related covid related ailments. treatment 17. Continuation of PRAN Option for partly exited NPS Subscribers to in case of premature exit continue the same PRAN. where only lump sum is paid 18. Ease Annuity issuance for KYC and Withdrawal documents uploaded by NPS subscribers on single nodal officers suffice to issue annuity by Annuity KYC. Service Providers (ASP). 19. Instant Bank Account Instant Bank Account verification through Penny verification drop to avoid return of funds and check the beneficiary details on real time basis. 20. e-NPS Subscribers exit The online e-NPS exit functionality built in coordination with Banks 21. Exit Authorization code Facilitate the Subscribers to verify mobile number (EA Code) at the time of exit. 64Annual Report-2021-22 3.5 Mechanism for Redressal of vi. Complaints that are sub-judice (cases Grievances of Subscribers and Activities which are under consideration by undertaken for Redressal of such court of law or quasi-judicial body) Grievances except matters within the exclusive domain of the Authority under the 1. Introduction: provisions of the Act; As per PFRDA (Redressal of Subscriber 2. Process flow related to handling of Grievance) Regulations, 2015, every grievances? intermediary has to follow the Grievance Redressal of subscriber grievance happens Redressal Policy as laid down under the in accordance with the Pension Fund regulations. The term “Grievance” is Regulatory and Development Authority defined under Regulation 2(g) as: “grievance (Redressal of Subscriber Grievance) or complaint” includes any communication Regulations, 2015. For smooth and timely that expresses dissatisfaction, in respect handling of grievance, subscribers are of the conduct or any act of omission or requested to follow the following escalation commission or deficiency of service on the matrix : part of, an intermediary or an entity or a person governed by the provisions of the Level 1: As per the provisions of the Act and in the nature of seeking a remedial PFRDA (Redressal of subscriber Grievance) action but do not include the following; Regulations 2015, the subscribers can raise their grievances for resolution through the i. Complaints that are incomplete or not Central Grievance Management System specific in nature; (CGMS). The grievances shall be directed ii. Communications in the nature of to the concerned intermediary/office, for taking necessary action to resolve offering suggestions; the grievance raised by the subscriber. iii. Communications seeking guidance or The resolution remarks provided by the explanation; concerned entity shall be intimated to the subscriber over email and can be viewed iv. Complaints which are beyond the online. powers and functions of the PFRDA or beyond the provisions of the PFRDA To raise grievance, subscriber may click Act and the rules and regulations on the respective CRA under which his/ framed there under; her PRAN is generated. Following are the details and processes to lodge the grievances v. Any disputes between intermediaries; and view the status of resolution: 65Part III Protean eGov Technologies Limited KFin Technologies Pvt. Ltd (earlier known as NSDL e-governance) 1. Web based interface for registering 1. Web based interface for registering grievance/complaint: grievance/complaint : a) Subscriber can register a grievance a) By raising a grievance in the Central through a web-based interface Grievance Management System provided by the KFintech CRA with (CGMS) by using the Internet Personal the use of I-PIN by visiting our website Identification Number (IPIN). https://enps.kfintech.com/login/ (https://cra-nsdl.com/CRA/). After login/. The entity will have to provide successful login subscriber need to the necessary details as required in click Log Grievance Request under the web-based format. On successful Grievance Tab. By login in Mobile registration, a token number will Application using I-PIN. After be displayed on the screen for the successful login subscriber need to purpose of reference. click Enquiry/ Grievance Option. b) Subscriber can also raise the b) Subscriber can raise the grievance at grievance without login into the CRA the Corporate website (https://npscra. system by providing the relevant nsdl.co.in/Log-your-grievance.php details on https://enps.kfintech. under Log Your Grievance / Enquiry com/registergrievanceenquiry/ option) registergrievanceenquiry/ 2. Other modes of registering grievance/ 2. Other modes of registering grievance/ complaint: complaint: a) Call Centre/Interactive Voice a). Call Centre/Interactive Voice Response Response System (IVR) : System (IVR): Subscriber can reach By calling the Toll free Number 1800 our Call Centre our toll free number 222 080 and authenticating oneself with 1800 208 1516. Subscriber can raise the Tele query Personal Identification a grievance after authentication Number (TPIN). using T-PIN. The grievance will be registered by the Call center executive b) Physical forms : By raising a grievance and a token number will be given to in writing – in the specified format the entity for reference. (Form G1) or a letter and sent to following address: b) Physical forms: A subscriber can log a grievance by submitting details in a Protean e Gov Technologies Limited ( physical form to the Central Grievance earlier known as NSDL e-governance) 66Annual Report-2021-22 1st Floor, Times Tower, Kamala Mills Management Cell at CRA. Subscriber has Compound, Senapati Bapat Marg, to submit the Grievance Form (Form G1) Lower Parel, Mumbai - 400 013 to CRA. On receiving such a grievance, the CRA user will digitize the same and lodge 3. How to check the status of the a request in the CRA system, with SMS/ Grievance? email intimation to the subscriber. It can be sent on following address: Subscriber can check the status of the grievance at the CRA website (https:// KFin Technologies Pvt. Ltd npscra.nsdl.co.in/Log-your-grievance.php under Track Your Grievance / Enquiry Selenium Tower B, Plot Nos. 31 & 32 option) or through the Call Centre by Financial District, Nanakramguda, mentioning the token number. Serilingampally Mandal Hyderabad – 500 032 3. How to check the status of the Grievance? Subscriber can check the status of the grievance at the CRA website (https:// https://enps.kfintech.com/login/ login/) or through the Call Centre by mentioning the token number. Level 2: If the complainant is not satisfied 2. Letter: Subscriber may also raise the with the redressal of the his grievance or if it grievance by writing to NPS Trust at the following address - Grievance has not been resolved by the intermediary by Redressal Officer (GRO) the end of thirty days of filing of complaint, he may escalate the complaint to the National National Pension System Trust Pension System Trust (NPS Trust) through 14th Floor, IFCI Tower any one of the following modes - 61, Nehru Place New Delhi – 110 019 1. Website : www.npstrust.org.in / https://www.npstrust.org.in/ Ph: +91 11 47207700 content/contact-us Table No. 3.15: Query/Grievance (referral) against CRA Referral Status of referrals for the month for FY 2021 -22 Raised Pending at the Received during Closed/resolved Pending the end Against end of March the FY 2021 - during the FY of March 2022 2021 2022 2021 - 2022 CRA 1,560 1,50,372 1,50,908 831 (Source of Data: NSDL CRA, Kfin Technologies CRA and CAMS CRA) 67Part III Table No. 3.16: Status of Query/Grievance (referrals) Category wise against CRA Referral Category Cases pending Cases received Cases resolved Cases pending at end of the during the FY during the FY for resolution March 2021 2021 - 2022 2021 - 2022 at end of March 2022 General Query 590 66672 66866 310 PRAN Card Related 378 25528 25690 153 SOT Related 135 12237 12265 94 Tier II related 50 5483 5500 26 Incorrect Processing 31 5711 5723 19 of Subscriber Details I-PIN, T-PIN 38 3535 3541 28 Related Withdrawal Related 37 50175 5711 34 Email/SMS alerts 26 2912 2911 21 not received Exit not initiated 25 1763 1777 11 / not authorised / amount not received Partial withdrawal 20 5568 5568 20 not initiated / not authorised / amount not received Other Grievances 5 266 262 9 Death withdrawal 2 285 286 1 not initiated / not authorised / amount not received Not Processed/ 13 1526 1532 7 Delay in Processing Subscriber Changes Request Delays in Issuance 9 132 134 0 of PRAN Cards 68Annual Report-2021-22 Referral Category Cases pending Cases received Cases resolved Cases pending at end of the during the FY during the FY for resolution March 2021 2021 - 2022 2021 - 2022 at end of March 2022 Pre-mature 1 900 894 7 withdrawal not initiated / not authorised / amount not received Contribution 200 12140 12248 91 amount not reflected in account Total 1560 194833 150908 831 (Source of Data: NSDL CRA, Kfin Technologies CRA and CAMS CRA) Table No. 3.17: Ageing of referrals pending for the month ending March 31, 2022 Sector < 7 days 8-14 days 15-30 days 31-60 days > 60 days Total Central 49 0 1 1 3 54 Government State 57 3 0 0 3 63 Government Corporate 90 4 3 0 2 99 Unorganized 549 13 10 1 9 582 NPS Lite 8 0 0 0 0 8 APY 25 0 0 0 0 25 Total 778 20 14 2 17 831 (Source of Data: NSDL CRA & Kfin Technologies CRA and CAMS CRA) Level 3: If the complainant is not satisfied from the escalation of the grievance to with the redressal of his grievance or no NPS Trust. reply beyond 30 days at level 2 is received, (b) by a complainant, where a complaint Ombudsman appointed by PFRDA can be has been made directly against the approached by the subscriber by submitting NPS Trust and no other intermediary the details as per prescribed format. and the same remains unresolved As per PFRDA (Redressal of Subscriber within the specified period of thirty grievance) Regulations 2015: An appeal can days be filed with the Ombudsman under the The appeal to ombudsman has to be made regulations and complying the following– within forty-five days from the date of (a) by a complainant whose grievance has receipt of response of the National Pension not been resolved within thirty days System Trust. 69Part III The appeal shall be in writing, duly signed subscriber can file appeal against the order by the complainant or his authorized to the Designated member of PFRDA at representative (not being a legal following address : practitioner) in the form as specified the regulations and supported by documents, Ombudsman Department, if any. Pension Fund Regulatory and Development Authority ( PFRDA ) At present only one Ombudsman has been B-14/A, Chatrapati Shivaji Bhawan, appointed by PFRDA. Qutub Institutional Area, Katwaria Sarai Shri Arnab Roy New Delhi – 110 016 Pension Fund Regulatory and Development Authority Level 5: Securities Appellate Tribunal. B-14/A,Chatrapati Shivaji Bhawan, Qutab Subscribers are requested to file the Institutional Area, Katwaria Sarai, New Delhi-110016 grievances at the first level so that timely resolution can be ensured and trail of the Chhatrapati Shivaji Bhawan, grievance can be maintained . Email Id: ombudsman@pfrda.org.in Landline No. : 011 - 26517507 Ext : 188 3.5.1 No. of Complaints Received, Resolved and Pending for FY 2021-22 at Level 4: If subscriber is not satisfied with the Office of Ombudsman the order passed by the Ombudsman, Table No. 3.18: No. of Complaints Received, Resolved and Pending at the office of Ombudsman for FY 2021-22 Particulars Sector* CG/CAB SG/SAB UOS NPS Lite Total No. of Complaints received 2 12 6 1 21 No. of Complaints Resolved 4 16 6 - 26 No. of Complaints pending - - - - - Note: * for other sectors viz. Swavalamban & APY, no appeals had been received for FY 2021 - 22. 3.5.2 State-wise Complaints Received for FY 2021-22 at the Office of Ombudsman Table No. 3.19: State-Wise Complaints received for FY 2021 – 22 Sr Name of State No. of Grievance Sr Name of State No. of Grievance No. received state-wise No. received state-wise 1 Karnataka 1 7 Andhra Pradesh 1 2 Maharashtra 1 8 West Bengal 1 3 Telangana 1 9 Delhi 10 4 Tamil Nadu 1 10 Haryana 1 5 Uttar Pradesh 2 11 Chandigarh U.T 1 6 Rajasthan 1 Total 21 70Annual Report-2021-22 3.5.3 Initiatives taken by PFRDA appeal online as an option is under development. (i) Development of online system for filing appeal with ombudsman (ii) Release of FAQs on Ombudsman Currently, the appeals are received PFRDA had released a FAQ on appeal at the office of the Ombudsman in process with Ombudsman for the the physical form. An online process creation of awareness among the for filing appeal with ombudsman Subscribers. The same is available on by developing a web portal on PFRDA website. the website of PFRDA where the The status of grievances received during aggrieved subscriber whose grievance the year at CGMS as on March 31, 2022, is not resolved after specified time with furnished in the table below: respective intermediary can prefer Table No. 3.20: Grievances Pending, Received and Closed in CGMS from April 1, 2020, to March 31, 2022. Sr. Sector Pending As on Received Till Resolved Till Pending No March 31, 3021 March March percentage till 31, 2022 31, 2022 March 31, 2022 1 NPS Regular# 3,148 1,75,175 1,75,512 1.60 2 NPS Lite 173 2,345 2,409 4.65 3 APY 695 57,015 56,833 1.54 Total 4,016 2,34,535 2,34,754 1.62 Source: As per CRAs Note: # NPS Regular consists of CG/SG/SAB/CAB/ Corporate and All Citizen Sector The status of Grievances received to various intermediaries during the year at CGMS as on March 31, 2022, is furnished in the table below: Table No. 3.21: Grievances Pending, Received and Closed in different sectors in CGMS during April 1, 2021, to March 31, 2022. Sr. Sector Pending As Received Resolved Pending No on March Till March Till March percentage till 31, 3021 31, 2022 31, 2022 March 31, 2022 1 Central Government 488 5052 5200 340 2 State Government 492 6,491 6233 750 3 POP 471 29,966 29,716 721 4 Corporate 1 55 53 3 5 Trustee Bank 200 50 166 84 6 NPS Lite 637 41,284 41,103 818 7 APY (APY-SP) 155 714 771 98 8 eNPS 395 21,608 21,849 154 9 CRA 1,131 126,918 127,584 465 10 NPS Trust 46 2,397 2,079 364 Total 40,16 2,34,535 2,34,754 3,797 Source: CRAs 71Part III The major grievances received are related to Statement of Transactions, Contribution amount not reflected in account, PRAN Card, incorrect processing of subscriber details, delays in uploading of contribution amounts etc. Grievances are registered in CGMS by the subscriber and are directly routed to concerned intermediaries for necessary action. Thus, it is for the concerned intermediaries to resolve and close grievance in the CGMS which are raised against them. The periodic reminders are sent to concerned intermediary for resolving and closing grievances in CGMS. 3.6 Certification Programme for Retirement Table No. 3.22: Retirement Adviser Certification Advisers NISM Series-XVII: Retirement Adviser Pension Fund Regulatory and Development Certification Authority registers Retirement Advisers Month Enrolled Appeared Passed (RAs) for widening the coverage of NPS Apr-June 2021 44 29 19 and providing advisory services to the July–Sept. 83 68 45 subscribers for allocating assets under NPS 2021 and choosing PFMs. The scope of work and Oct – Dec. 78 72 56 responsibility of the Retirement Adviser is 2021 to ensure orderly growth of pension sector. Jan – March 94 71 45 2022 PFRDA is providing registration to Total 299 240 165 individuals as Retirement Adviser as per 3.7 Collection of Data by the Authority and PFRDA (Retirement Adviser) Regulations the intermediaries including undertaking 2016. PFRDA has accredited National and commissioning of studies, research, Institute of Securities Market (NISM) as and project. institute for certification of Retirement Collection and compilation of a Adviser Certification Examination. Upto comprehensive data based on March 31, 2022, total 908 candidates were demographics, retirement savings and certified as Retirement Adviser. In the investments, the different financial FY2021-22, 19 RAs, in the category of products/ schemes issued by the different Individual, were registered as fresh, 4 RAs in organizations to cater to the old age income security of the underlying subscribers, the the category of Individual, were registered returns generated thereon, the disclosure under renewal granted by PFRDA and 4 and protection provided to the subscribers RAs Other than Individual category were etc. under different scheme are the on - going registered as fresh by PFRDA. A quarterly activities of PFRDA. Towards this end, summary of the candidates enrolled, PFRDA is compiling information on people appeared, and passed during the FY 2021- covered under various pension schemes 22 is as under: and also people receiving pensions under various schemes. PFRDA is currently in 72Annual Report-2021-22 the process of gathering information from 3.8.2 Programme for co-ordination with other pension providers in the country. financial agencies and other agencies 3.8 Steps undertaken for educating PFRDA is promoting National Centre for subscribers the general public on issues Financial Education (NCFE), a Section related to pension, retirement savings and 8 (Not for Profit) Company along with related issued and details of training of Reserve Bank of India (RBI), Securities and intermediaries Exchange Board of India (SEBI), Insurance Regulatory and Development Authority 3.8.1 Financial Literacy regarding of India (IRDAI). Out of share capital of Pensions: Rs. 100 crores PFRDA has contributed its PFRDA as a member of Financial Stability allocation of Rs. 10 crores while other RBI, and Development Council (FSDC), its SEBI and IRDAI contributed Rs.30 crores sub-committee, working groups and each. NCFE’s mission is to undertake various inter-regulatory forums viz. Inter massive Financial Education campaign to Regulatory Technical Group (IR-TG), help people manage money more effectively Technical Group on Financial Inclusion to achieve financial well-being by accessing and Financial Literacy (TGFIFL), Inter appropriate financial products and services Regulatory Forum for monitoring through regulated entities with fair and Financial Conglomerates (IRF-FC), transparent machinery for consumer Working Group on resolution regime for protection and grievance redressal. financial institutions actively contributes The objective of the NCFE is to promote to the furtherance of the objectives of these Financial Education across India for all committee’s/groups/forums. sections of the population as per the National PFRDA has hosted the website www. strategy for Financial Education, to create pensionsanchay.org.in to spread awareness financial awareness and empowerment and educate subscribers and general public through financial education campaigns on the fundamental elements and related across the country for all sections of the to money, financial planning, retirement population through seminars, workshops, planning, investment evaluation and conclaves, trainings, programs, campaigns, annuity. The website has a blog section discussion forums by itself or with help of for discussions and sharing of information institutions, organisations and to provide on Behavioural Aspects of Retirement training in financial education and create Planning, Fundamentals of Money & financial education material in electronic Finance, Retirement Planning, Saving & or non-electronic formats, workbooks, Investing and Pension. The blog section has worksheets, literature, pamphlets, 72 articles of which 9 were hosted during booklets, fliers, technical aids and to FY 2021-22, and these were contributed by prepare appropriate financial literature for writers from across the country. During target based audience on financial markets FY 2021-22, the total visitor counts to the and financial digital modes for improving Pension Sanchay website stood at 3,39,001. financial literacy so as to improve their 73Part III knowledge, understanding, skills and livelihoods and entrepreneurship. SEBI as a competence in finance. national coordinator of the GMW campaign in India and GMW was organized during APY has been incorporated in the NCFE 21st March 2022 to 27th March, 2022. A modules as one of the Government schemes senior officer of PFRDA also addressed providing minimum guaranteed pension. a national level webinar on ‘’Planning Further, NPS has also been incorporated smartly for Retirement” on March 24, 2022 in the NCFE modules as a solution to as Guest speaker during the GMW. retirement needs. The National Strategy for Financial Education for India (NSFE: 2020-25) recommends adoption of a multi- stakeholder approach to achieve financial 3.8.3 PFRDA’s endeavor on media & well-being of Indians. As per the Strategic communication and NPS/APY awareness Goal under Action Plan of NSFE 2020-25, content of financial education in school PFRDA continued with its unceasing efforts curriculum for students of Classes VI to of creating awareness about pensions XII, has been drafted in coordination with and retirement planning with a vision to all sector regulators. make ‘India a Pensioned Society.’ In this backdrop, various channels and mediums Further PFRDA contributed and of communication viz. social media, digital coordinated with NCFE and other domain, electronic media (audio & visual) regulators successfully observed Financial and print media, were adopted to educate Literacy Week (FLW 2022) observed from and enhance financial & pension literacy February 14th to February 18th, 2022. On and for explaining the features & benefits of 16th Feb 2022, a national level webinar NPS/APY to the public at large especially on “Transforming India’s Pension System to citizens falling in the age group of 18- Through Digitisation-Scope and Way 65 years for NPS and 18-40 years for APY. Forward” was addressed by a senior officer All the media activities were undertaken of PFRDA. through Directorate of Advertising and In addition to above, the PFRDA actively Visual Publicity (DAVP) and Prasar Bharti participated during the Global Money Week (AIR & Doordarshan) under arrangements. (GMW) which is an annual international The digital platforms were also deployed to financial education awareness-raising disseminate and sensitize the public about campaign designed to encourage a wide NPS through webinars/seminars/online range of stakeholders to motivate children workshops/e-conferences etc. and youth to learn about money matters, 74Annual Report-2021-22 During the FY 2021-22, NPS print media platforms like Facebook, twitter, campaigns were undertaken to inform, and LinkedIn, featuring the benefits of what is NPS, who can join, benefits to subscribing to NPS. employer, tax incentives and the print NPS Diwas was observed on 1st Oct ad designs were inscribed with QR code, 2021 with these activities- Organized enabling users to visit the webpages of press meets on ‘NPS Diwas- with vide NPS Trust for availing further information publicity of the same on various media on NPS. The print advertisements were vehicles- Press Release for ‘Declaration of carried out in 155 newspapers in Hindi, NPS Diwas by PFRDA’, Announcement English and 11 regional languages with by Radio Jockey (Ad Live) - , Bug flash country wide coverage. NPS radio (10sec) during News Broadcast - 15 times, campaigns were launched to inform the TV spots (30sec) during News Broadcast - general public through 342 radio stations 5 times, Social Media Campaign through covering pan India. TV scroll campaigns PR Agency, Twitter Trend , Chairman TV were undertaken for NPS in the fourth Interview for 15 mins (Hindi & English quarter of the financial year through through DD), Chairman Radio Interview DD News & 28 Regional Kendras of for 15 mins (Hindi & English through AIR), Doordarshan emphasizing the tax benefits NPS Diwas Sponsored 01-minute video of NPS. Digital/social media campaigns (04 types played 24 times) by Zee News, were also undertaken throughout the year Newspaper Advertisement (NPS Diwas), with an objective to increase the enrolments Paid NPS Diwas Ad in collaboration with by posting paid messages in social PoPs. 75Part III APY print campaign was undertaken to subscribers to join the scheme by informing deliver the message of the 3 unique benefits that more than 3 crore subscribers have of APY and the ads were created not only already joined the scheme. The APY prints to provide information about product ad designs were released in 210 newspapers offerings but also encourage potential across the country. In order to keep the citizens and subscribers postings of text and graphical messages aware and watchful about the fraudulent in social media handles. Public Notices activities inimical to their economic were released at periodic intervals in print and social well-being, dissemination of media covering 288 newspapers, scrolling information for prevention of fraud and message incorporated in PFRDA website phishing in name of PFRDA/NPS were and video messages hosted in Pension undertaken by the Authority through Sanchay website. 76Annual Report-2021-22 3.8.4 PFRDA on Social Media 3.8.5 Public Relations and Communications Considering the challenges in traditional PFRDA undertakes various public media and being generally labelled as a relations activities/communications one-way communication to the public with an objective to enhance awareness at large, the social media platforms and disseminate information regarding provides a multi-pronged channel of its policies, activities, and schemes for communication and delivery of message promoting old age income security and to target audience with feedbacks from protecting subscriber interests. During the the targeted audiences. Social media plays FY 2021-22, PFRDA held 2 press meets, 54 a vital role for outreach and engagement media interviews/interactions and issued with the public and PFRDA in its effort of 27 Press Releases, communicating the policy connecting and engaging with subscribers changes and developments for publishing has proactively been maintaining its in print, audio, online and visual media account with Facebook, Twitter, LinkedIn, channels, and attained coverage in 438 YouTube for NPS and APY. newspapers and 566 online news platforms. Various aspects of retirement planning, The followership to PFRDA social media pensions and challenges associated with handles are: APY Facebook page – 72159, old age income security their solutions were NPS Facebook - 40008, Twitter- 8347 and disseminated through 7 featured articles in during the financial year 2021-22 a total 677 print and online media. Facebook post, 785 Tweets and 363 posts on LinkedIn were made, through which 3.8.6 Training crucial information and updates were PFRDA had disseminated information on shared with the objective to disseminate NPS/APY through training sessions to policy changes and engage the targeted more than 2.26 lakh participants over the last segment/audience. 77Part III 5 financial years. The participants to these requirements of various stakeholders viz. training sessions were imparted knowledge Govt. Sector nodal office, corporate, Points on the salient features of NPS/APY, the of Presence and APY Service Providers. process of joining the schemes, options The empanelled training agency Hero available for selection of fund manager, Mindmine Ltd. during its engagement from asset allocation, annuity plans, procedure 01/10/2021 to 31/03/2022 had conducted for resolution of grievances, etc. Presently, online training sessions across the country 04 training agencies have been empanelled for 40520 participants in total. by PFRDA to address the training Table No.3.23: The Sector Wise Distribution of the Number of Training Sessions and Participates under NPS Sectors Training Participants Sectors Training Participants Sessions Count Sessions Count Central 9 972 Business 55 5099 Govt. Correspond State Govt. 153 15938 Dept of 9 972 NPS APY Post Corporate 18 1616 Public 72 7675 Sector Bank Point of 41 4006 Regional 55 4242 Presence Rural Bank Total 22 22532 Total 191 17988 Presently, 4 training agencies have as per requirements (viz. persistency of been empanelled by PFRDA to address APY contributions, invitations to sessions the training requirements of various conducted by PFRDA etc) and conducting stakeholders viz. Govt. Sector nodal office, surveys for improving the processes Corporate, Point of Presence and APY and delivery of services within the NPS Service Providers. architecture (viz. gauging awareness of scheme features, quality of training session 3.8.7 NPS and APY Information Helpdesk etc) and Survey on voluntary exits from Towards facilitating a human interactive APY. The NPS Information Helpdesk had system to existing and potential received a total of 1.26 lakhs inward calls subscribers for accessing and procuring and 6.34 lakhs outbound calls were made reliable information on NPS and APY from through the call centre during the financial across the country, PFRDA is operating year. a dedicated NPS/APY Information Presently, two toll free numbers of Helpdesk wherein queries on NPS/APY are Information Helpdesk are operational i.e., responded in a professional and systematic 1800110708 for NPS and 1800110069 for APY manner. The call center is also utilized are operational and for call back services for making outbound call to subscribers 78Annual Report-2021-22 from Helpdesk, an SMS facility is also PFRDA conducted review meetings/ available through ‘SMS NPS to 56677’. The video conferences with Central Ministries/ NPS/APY Information Desk is operational departments & State Governments and for 8 hours a day (9.30 a.m. – 5.30 p.m.), 7 Central and State Autonomous Bodies days a week (including Sundays) excluding during the FY 2021-2022. The details of the National holidays. same is as under: - 3.9 Conferences, meetings and other Table No. 3.24: List of review meeting/ Initiatives undertaken during FY 2021-22 Conferences held during FY 2021-22 3.9.1 Conferences under Central and State Sector Review Government Sector Meetings PFRDA engages with the government CG 52 Nodal Offices on various platforms, in CABs 56 order to improve the efficiency of NPS in Sub -total (CG +CABs) 108 the government sector. In pursuance of the SG 62 same, PFRDA conducts review meetings/ SABs 32 video conferences /Conferences/ Sub -total (SG +SABs) 94 workshops with the Government Nodal offices at the Centre / State /CABs/SABs. Total 202 In light of the prevailing lockdowns a) CG & CABs on account of the Covid-19, the review i) CG meeting was conducted with the nodal Accounting Ministry/ Office Name offices through an online platform. Formation (No. of meetings held) PFRDA conducted review meetings/video conferences with Central Ministries and Pr. AO, Ministry of Home Central Autonomous Bodies (CABs) and Affairs (2) with State Govt. and State Autonomous Pr. AO, CBDT, Department Bodies (SABs). Apart from the same, of Revenue, Ministry of awareness sessions were also conducted to Finance (2) make the nodal offices aware of the choices Pr. AO, CBEC, Department pension funds and investment patterns of Revenue, Ministry of available to the Government subscribers. Finance (2) Pr. AO, Department of For better implementation of NPS in the Civil Indian Audit and Accounts Government Sector which comprises of (2) the majority of the of NPS subscribers, Pr. AO, Department of PFRDA sensitize the Government Nodal Atomic Energy (2) offices on various issues/matters to Pr. AO, Department of improve their performance. In this regard, Space (2) PFRDA undertakes various measures and Pr. AO, Andaman also conducts review meetings/ video and Nicobar Islands conferences with the Government Nodal Administration (1) offices in the Central / State Government sector. 79Part III Pr. AO, Ministry of FA and CAO, South Personnel, Public Eastern Railway, Kolkata Grievances and Pensions (2) (2) FA and CAO, North PCDA (Navy), Mumbai (1) Frontier Railway, CDA (Border Roads), Delhi Maligaon (1) Cantonment (2) FA and CAO, Western Pr.AO, Controller of Central Railway, Jabalpur Defence Accounts Navy (1) and Coast Guard, New FA and CAO, North Railways Delhi (1) Western Railway, Jaipur Defence PCDA (Southern (1) Command), Pune (2) FA and CAO, South East PCDA (Western Central Railway, Bilaspur Command), Chandigarh (2) (2) FA and CAO, North ACAS (Accounts and AV), Eastern Railway, New Delhi (2) Gorakhpur (2) Pr. AO, Ministry of NCT of FA and CAO, East Coast NCT Delhi (2) Railway, Bhubaneswar (1) General Manager Finance, *( ) indicates no. of review meetings held with the Postal Postal Accounts, Delhi (2) concerned office FA and CAO, Northern ii) CABs Railway, New Delhi (0) FA and CAO, Central Pr.AO, Kendriya Railway, Mumbai (2) Vidyalaya Sangathan, New Delhi (2) FA and CAO, Eastern Railway, Kolkata (2) Pr.AO, Employees State Insurance Corporation FA and CAO, East Central (HQ), New Delhi (2) Railway, Hajipur (2) FA and CAO, South Pr.AO, North Delhi Western Railway, Hubli (1) Municipal Corporation, Railways New Delhi (0) FA and CAO, Southern CABs Railway, Chennai (2) Pr.AO, South Delhi Municipal Corporation, FA and CAO, Western Delhi (2) Railway, Mumbai (1) FA and CAO, South Pr.AO, East Delhi Central Railway, Municipal Corporation, Secunderabad (2) Delhi (1) FA and CAO, North Pr. AO, All India Institute Central Railway, of Medical Sciences, New Allahabad (1) Delhi (2) 80Annual Report-2021-22 Pr.AO, Indian Council of Pr. AO, Bhakra Beas Agricultural Research, Management Board, New Delhi (2) Chandigarh (2) Pr.AO, Employees Pr.AO, Directorate of Provident Fund Defence Estates Southern Organisation, New Delhi Command, Pune (2) (2) Pr.AO, Directorate of Pr.AO, Council of Defence Estates Central Scientific & Industrial Command, Lucknow (2) Research, New Delhi (2) Indian Institute Of Pr.AO, Delhi Jal Board, Technology, Bombay (2) New Delhi (2) Pr.AO, Navodaya Pr.AO, All India Institute Vidyalaya Samiti, Noida of Medical Sciences, (2) Raipur (2) Pr.AO, Postgraduate PrAO, All India Institute Institute of Medical of Medical Sciences, Education & Research, Rishikesh (2) Chandigarh (2) CABs Pr.AO, All India Institute CABs Pr.AO, Aligarh Muslim of Medical Sciences, University, Aligarh (2) Bhopal (2) Pr.AO, Banaras Hindu Pr.AO, All India Institute University, Varanasi (2) of Medical Sciences, Pr.AO, Prasar Bharati, Jodhpur (1) New Delhi (2) Pr.AO, Central PrAO, New Delhi Agricultural University, Municipal Council, New Imphal (2) Delhi (0) Pr.AO, Indian Institute of Pr.AO, Jawaharlal Institute Technology, Kharagpur of Post Graduate Medical (2) Education & Research, Pondicherry (2) Pr. AO, Visakhapatnam Port Trust, Pr.AO, Tata Memorial Visakhapatnam (2) Centre, Mumbai (1) Pr.AO, Delhi Development Pr.AO, National Institute Authority, New Delhi (1) of Mental Health & Neuro Sciences, Bangalore (2) Pr.AO, Indian Council of Medical Research, New *( ) indicates no. of review meetings held with the Delhi (2) concerned office 81Part III b) SGs and SABs i) SG: East North East North South Central West • Bihar (3) • Assam (2) • Himachal • Andhra • Chhattisgarh (2) • Goa (2) Pradesh (2) Pradesh (2) • Jharkhand (2) • Arunachal • Madhya Pradesh • Gujarat (2) Pradesh (2) • Jammu and • Karnataka (2) (2) • Odisha (2) • Maharashtra (2) Kashmir (2) • Manipur (2) • Kerala (2) • Uttar Pradesh • Rajasthan (3 • Chandigarh (2) (2) • Meghalaya (2) • Puducherry (2) • Haryana (2) • Mizoram (2) • Telangana (2) • Uttarakhand (2) • Nagaland (2) • Punjab (2) • Tripura (2) • Ladakh (2) • Sikkim (2) *( ) indicates no. of review meetings held with the concerned office ii) SABs SGs SABs of respective SGs with SGs SABs of respective SGs with which meetings held which meetings held Bihar Bihar State Power (Holding) Rajasthan Directorate of Local Bodies, Jaipur Company Ltd. (2) (2) Chhattisgarh Directorate of Public Instruction, Kerala Kerala State Road Transport Raipur, Chhattisgarh (2) Corporation, Thiruvananthapuram Urban Administration and (2) Development, Raipur (2) Kerala State Electricity Board Directorate of Panchayat, Raipur Limited, Thiruvananthapuram (2) (2) Uttar Finance Controller, Basic Shiksha Gujarat Surat Municipal Corporation, Pradesh Parishad, Allahabad (2) Surat (1) Directorate of Education Ahmedabad Municipal Secondary, Allahabad (2) Corporation, Ahmedabad (2)w Directorate of Higher Education, Andhra A P Model (1) Allahabad (2) Pradesh Local Bodies Directorate, Lucknow Karnataka Directorate of Municipal (2) Administration (2) 3.9.2 Steps initiated for smooth Haryana Dakshin Haryana Bijli Vitran implementation of NPS in Government Nigam Limited, Hisar (1) Sector Madhya Directorate of Public Instruction, 3.9.2.1 Measures suggested to CG Pradesh Madhya Pradesh (0) Ministries/ Central Autonomous Bodies/ Directorate of Urban State Govts/State Autonomous Bodies for Administration & Development, smooth implementation of NPS Bhopal (1) Punjab Punjab State Power Corporation a) Nodal offices under Central Govt Limited, Patiala (2) sector were advised during review 82Annual Report-2021-22 meetings/interactions to adhere to with Gazette notification dated various provisions provided under 31.01.2019 issued by DFS, Ministry CCS (NPS) Rules, 2021, to ensure of Finance viz. enhancement of timely completion of activities under employer contribution, enabling NPS. choice of Investment pattern and Pension Fund (PF) for the b) Nodal offices under CG and SG employee-subscribers, provision sector have been advised to follow of compensation in case of non- the timelines prescribed by DoE, deposit or delayed deposit of NPS GoI for completion of various NPS contributions, related activities with respect to upload of SCFs and remittance of NPS • Inclusion of NPS related activities contributions. as a part of regular / internal audit and c) It was advised to Nodal offices under CG and SG to hold regular meetings • Adoption of Online PRAN cum workshops for their underlying generation module (OPGM) & Nodal offices in order to sensitize Server to Server Integration (STS) them on the key areas of concern and process for timely completion of operational matters. NPS activities. d) The oversight offices under CG and 3.9.2.2 Advisories and Circulars issued for SG sector, viz, PrAOs/DTAs were smooth implementation of NPS advised to review performance of their a) Advisory on Digital Safety Practices underlying PAOs / DTOs and ensure to be followed by Govt Nodal offices that the NPS related activities are to access CRA system under NPS completed in a time bound manner. architecture - Advising the nodal offices towards adopting safety e) State Governments were advised practices in respect of usage, non- to consider undertaking certain sharing, and safe-keeping of login policy level measures for effective credentials of the CRA system. implementation of NPS in the State such as b) Advisory on Extension of timeline for De-activation of Non- IRA PRANs due • Framing of NPS rules while to COVID-19 Pandemic till 30.09.2021 specifying timelines, - Advising the nodal offices towards • Constitution of NPS Oversight collection of physical Common and Review Committee, Subscriber Registration Forms (CSRF) from all such employee. • Setting up of dedicated NPS cell for smooth handling of various 3.9.2.3 Leveraging of technological NPS related matters, initiatives Server to Server (STS) Integration and OPGM (Online PRAN • Consider enabling various Generation Module) provisions under NPS in line a) PFRDA through various forums 83Part III sensitizes the Nodal offices to adopt Particulars State Government and implement OPGM and STS Assam Integration so as to curtail the delays Bihar shall decrease the delays in PRAN Chhattisgarh generation and remittance of NPS Jharkhand contributions. Haryana State i. OPGM- To ensure timely Karnataka Governments registration of subscriber’s under Maharashtra Adopted STS as NPS, the Govt Nodal offices under Odisha on 31-03-2022 CG/SG sector were advised to Punjab adopt OPGM (Online PRAN Rajasthan Generation Module) to eliminate Tripura delay in PRAN generation as Uttar Pradesh well as rejection of subscriber Uttarakhand registration forms. i. on 31.03.2022, total 51 SABs have adopted STS and the list of SABs is as ii. STS- To adopt STS (Server to under: Server) integration of the nodal offices’ financial software package Table No. 3.26: The Status adoption of with CRA system. STS by SABs: b) The cumulative status of adoption SG No. of SAB Nodal of OPGM and STS by CG/SG Nodal Offices Adopted STS offices is as under: - Maharashtra 50 Uttarakhand 1 i. As on 31.03.2022, total 13 SGs Total 51 have adopted STS and the list of SGs is as under: i. As on 31.03.2022, total 31 SGs/UTs have adopted OPGM, and the list of Table No. 3.25: The Status of adoption of State Govt. is as under: STS/OPGM by State Government. Nodal offices: Table No. 3.27: The Status of adoption of OPGM by SGs: Particulars State Government Arunachal Pradesh Madhya Pradesh Tamil Nadu (Only for AIS) Assam Maharashtra Tripura State Governments Bihar Manipur Uttar Pradesh Adopted UT Chandigarh Meghalaya West Bengal (Only for AIS) OPGM as on Goa Mizoram Chhattisgarh 31-03-2022 Gujarat Nagaland Uttarakhand Haryana Orissa Jharkhand 84Annual Report-2021-22 Particulars State Government Himachal Pradesh Puducherry Telangana Jammu & Kashmir Punjab Ladakh Karnataka Rajasthan Kerala Sikkim As on 31.03.2022, total 835 SABs have adopted OPGM, and the list of SAB Nodal offices is as under: Table No. 3.28: The Status of adoption of Table No. 3.29: The Status of adoption OPGM by SABs: STS/OPGM by Central Government Nodal offices: Name of the State No. of SABs/ SAB Government Nodal offices Accounting No. of Nodal Offices adopted OPGM Formation Adopted OPGM Andhra Pradesh 10 Civil 237 Assam 13 Defence 7 Bihar 3 Post 24 Chandigarh 0 Railways 68 Chhattisgarh 17 CABs 180 Goa 2 Total 537 Gujarat 4 Haryana 78 3.9.2.4 NPS in Non Govt Sector Himachal Pradesh 205 Jammu & Kashmir 25 The enrollments in NPS Private Sector Jharkhand 1 for FY 2021-22 were undertaken by 86 Karnataka 77 Point of Presence (as on 31st March, 2022) Kerala 11 comprising of 12 Public Sector Banks, 19 Private Banks, 55 Non-Bank Entities – Stock Madhya Pradesh 13 Broking firms/AMCs/Fintech Companies/ Maharashtra 90 Pension Funds, who primarily facilitates Manipur 3 subscriber registration, KYC verification Meghalaya 3 and servicing of financial and non-financial Mizoram 2 requests received from subscribers. Odisha 10 During the financial year, 5 PoPs were Puducherry 0 activated /operationalized to enhance NPS Punjab 89 distribution to the public at large. Strategy Rajasthan 74 review meetings were also conducted to Telangana 10 understand the business plans / strategies Uttar Pradesh 72 and monitor their performances in line with Uttarakhand 23 the strategies adopted by them. To motivate Total 835 and recognize the efforts of the PoPs’ staff, Award/recognition programme were The Status of adoption of OPGM by CG rolled out for which monitoring were done and CAB Nodal offices is placed as under: 85Part III on periodic basis and the qualified PoPs in the previous year. In the corporate were felicitated with mementos/awards/ sector, a total of 1,806 corporates/entities certificates. have adopted NPS with enrollment of 1,02,275 new employees. The total number Despite the prevalence of ongoing of corporates adopting NPS has reached COVID-19 pandemic, enrolments in NPS 10,370 by 31st March 2022. Special emphasis remained unaffected through PoPs and was laid down to on-board Central Public new subscriber enrolments in FY 2021-22 Sector Enterprises (CPSEs) in NPS and in reached 9,76,285 under NPS Private Sector FY 2021-22, 9 CPSEs have adopted NPS for (All Citizen and Corporate), registering a their employees thereby taking the tally of growth of 65% vis-à-vis 5,92,999 enrolments CPSEs under NPS to 60. Table 3.30 : Outstanding PRANs Sector Outstanding PRANs (in Lakh)* Y-o-Y growth FY 2018- 19 FY 2019-20 FY 2020-21 FY 2021-22 Number % All Citizen 9.30 12.52 16.47 22.92 6.45 39 Corporate 8.03 9.74 11.25 14.05 2.80 25 Total 17.33 22.26 27.72 36.97 9.25 34 *It is the balancing figure which indicates the number of outstanding PRANs for reasons such as moving from govt to corporate, vice-versa, etc Chart 3.1: Outstanding PRANs 86Annual Report-2021-22 Table 3.31 : Additions in Non Govt Sector Sector Additions Y-o-Y growth FY 2018- 19 FY 2019-20 FY 2020-21 FY 2021-22 Number % All Citizen 2,86,907 3,94,108 4,78,196 8,72,265 3,94,069 82 Corporate 90,773 1,46,326 1,14,803 1,04,020 - - Total 3,77,680 5,40,434 5,92,999 9,76,285 3,83,286 65 Corporate 1,395 1,617 1,100 1,806 706 64 Registration Chart 3.2 : Additions in Non Govt Sector Tier-II accounts under NPS as on 31st NPS Tier-II has also increased from Rs. March, 2022 stood at 5,08,019 vis-à-vis 2,169 crores to Rs. 3,401 crores during the 3,65,751 as on 31st March, 2021 registering aforesaid period. a growth of 39 percent. The AUM under Table 3.32: Tier II Subscribers and AUM Particular CG SG Corporate All Citizen Total No. of accounts 33043 35682 98971 340323 508019 AUM (in Rs. crore) 170 67 782 2380 3401 NPS Tier-II Tax Saver which is available registered in FY 2021-22 i.e. total 9,76,285 only to central government employees has enrolled under NPS Private Sector (All 2842 activations with an AUM of 6.75 crore. Citizen and Corporate), is depicted hereunder An analysis of the profile of subscribers 87Part III Chart 3.3: Gender Wise Distribution of NPS Non Govt (i) Male subscribers represent three- fourths of the total subscribers. (ii) Female subscribers accounted for one- fourth of the total subscribers. Chart 3.4: Age Wise Distribution of NPS Non Govt (i) 67% of the total subscribers fall under 26-45 years age bracket and 12% under 18-25 years age bracket showing that NPS mostly subscribed by the younger population. (ii) Around 20% of the total subscribers represented 46-60 years age bracket and only 1% falls under above 60 age group. Chart 3.5: Occupation Wise Distribution of NPS Non Govt 88Annual Report-2021-22 (i) Almost 50% of the subscribers of the total subscribers whereas employed in the private sector have professionals and business owners NPS as one of their retirement benefit stand at 6% and 9% each. plans. (iii) Subscribers who are students or (ii) Subscribers employed in the public employed in agriculture sector sector accounted for over one-fourth represents 1% of the total subscribers whereas homemakers constitute 3%. Chart 3.6: Income Wise Distribution of NPS Non Govt (i) More than one-fifth of the total subscribers fall under Rs. 5 lac – 10 lac income range. (ii) Almost one-fifth of the total subscribers having income range of upto Rs. 5 lacs whereas two-fifth of the subscribers have not provided any data. Chart 3.7 : Top 10 State Wise Distribution of NPS Non Govt (i) Maharashtra and Uttar Pradesh constitute one-fourth of the total subscribers. (ii) West Bengal, Karnataka and Tamil Nadu constitute one- fifth of the total subscribers. (iii) Gujarat, Andhra Pradesh, Delhi, Rajasthan and Odisha represent 5%- 4% subscribers 3.9.3 Conferences under Corporate (FICCI, CII, PHDCCI, ASSOCHAM, ICC) Sector were done to disseminate information to their members through workshops/ To create awareness about pensions and seminars organized across the country. promote NPS in the non-government During the financial year, 19 such webinars segment, tie-ups with various trade bodies 89Part III were organized in which more than 5000 Date Place In delegates from 800 corporates participated. association Numerous engagements or web sessions with were also held in association with PoPs / 18th Feb 2022 Bengaluru FICCI Institutions etc. to propagate NPS to the 15th Mar 2022 Chandigarh PHDCCI Employers/Employees directly which 3.9.4 Atal Pension Yojana resulted in 1,806 new corporates enrolments and 1,02,275 employees subscribing to Atal Pension Yojana (APY), a pension NPS during the year. Moreover, 09 new scheme for citizens of India, is focused CPSEs adopted NPS for their employees as on the unorganised sector workers in the special emphasis was put forth to onboard age group of 18-40 years. Under the APY, these entities during the financial year. The minimum guaranteed pension of Rs. 1,000/- webinars organized in association with the or 2,000/- or 3,000/- or 4,000 or 5,000/- per trade bodies were as under: month will start once subscriber attains the age of 60 years, depending on the pension Table No. 3.33: Corporate Sector amount opted and contributions made by Conferences held during FY 2021-22 him. Date Place In The scheme was launched on 09.05.2015 association and operationalized on 01.06.2015. As on with 31.03.2022, enrolments under APY Scheme 03rd June 2021 Kolkata MCCI has crossed 4.01 crore and the number is 26th June 2021 Ludhiana CII 28th July 2021 Bengaluru CII strongly growing day by day. Out of 4.01 29th July 2021 Delhi PHDCCI crore, more than 99 lakh APY Accounts 30th July 2021 Chennai CII were enrolled during FY 2021-22. The 20th Aug 2021 Kolkata ICC scheme had seen this tremendous success 24th Aug 2021 Pune CII due to the active participation of APY 31st Aug 2021 Mumbai CII Service Providers across all categories i.e. 14th Sep 2021 Gurugram PHDCCI Public Sector Banks, Private Sector Banks, 29th Sep 2021 Dehradun CII Regional Rural Banks, Small Finance Banks, 30th Sep 2021 Jaipur CII Payment Bank, Cooperative Banks (Rural 26th Oct2021 Kochi CII & Urban) & Department of Post. 27th Oct 2021 Coimbatore CII Details with respect to the year-on- 12th Nov 2021 Indore PHDCCI 28th Dec 2021 Delhi ASSOCHAM year performance in terms of subscriber 27th Jan 2022 Hyderabad FICCI registration and its analysis is depicted in 08th Feb 2022 Guwahati FICCI the tables below: 90Annual Report-2021-22 Table 3.34: - APY-SPs category-wise details of subscribers enrolled under APY A. The Banks wise details of Number of Enrollment under APY Category of As on As on As on As on date As on date As on date Additions As on date Banks date date date (March 31, (March 31, (March 31, During FY (March 31, (*March (March (March 2019) 2020) 2021) 2021-22 2022) 31, 2016) 31, 2017) 31, 2018) Public 16,93,190 30,47,273 65,53,397 1,07,19,758 1,56,75,442 2,12,52,435 70,09,008 2,82,61,443 Sector Banks Private 2,18,086 4,97,323 8,73,901 11,45,289 15,62,997 19,86,467 5,21,900 25,08,367 Banks Small - - - 9,190 15,760 35,114 51,149 86,263 Finance Bank Payment - - - 48,182 3,44,001 8,18,800 4,69,227 12,88,027 Bank Regional 4,76,373 11,15,257 19,87,176 31,71,152 43,30,190 57,10,770 18,17,260 75,28,030 Rural Banks District Co- 21,222 29,791 33,880 38,863 48,581 54,628 8,807 63,435 op Banks State Co-op 354 680 805 1,053 4,620 5,350 511 5,861 Banks Urban Co- 327 3,507 10,936 14,469 17,355 20,095 3,420 23,515 op Banks DOP 75,343 1,89,998 2,45,366 2,70,329 3,02,712 3,32,141 30,197 3,62,338 Total 24,84,895 48,83,829 97,05,461 1,54,18,285 2,23,01,658 3,02,15,800 99,11,479 4,01,27,279 Chart 3.8: Year on year enrolment under APY (2016-2022) Pace of enrolments has been very first time in the month of August 2021, more encouraging despite COVID-19 related than 10 lakh subscribers were enrolled challenges. Since the launch of the scheme, in a month with 3.5 lakh new enrolments 91Part III in a week and 1 lakh new accounts were Sr. State Name Number of sourced on a single day. No enrolments under APY APY enrolment growth has been observed 3 Maharashtra 3,097,671 across the country. Among the State-wise 4 West Bengal 3,070,457 distribution, Uttar Pradesh was at the 5 Tamil Nadu 2,929,240 top among all States and UTs, in terms of cumulative APY enrollments. 6 Andhra Pradesh 2,299,498 7 Karnataka 2,294,858 Table 3.35: Top 15 states having higher 8 Madhya Pradesh 2,294,421 enrollments under APY as on 31st March 9 Rajasthan 2,105,600 2022 10 Gujarat 1,607,503 11 Orissa 1,504,968 Sr. State Name Number of No enrolments 12 Jharkhand 1,135,106 under APY 13 Punjab 1,118,351 1 Uttar Pradesh 6,072,347 14 Telangana 1,000,678 2 Bihar 3,997,372 15 Assam 886,076 Map : State wise enrolment of APY as on 31st March 2022 92Annual Report-2021-22 Table 3.36: Month on Month APY Enrolment during FY 2021-22 (in lakh) and the same is also depicted using graph. April’21 May’21 June’21 July’21 Aug’21 Sept.’21 Oct.’21 Nov.’21 Dec.’21 Jan.’22 Feb.’22 Mar.’22 Total 2.26 1.95 6.98 7.69 11.03 9.91 7.43 7.65 9.98 9.06 11.64 13.55 99.11 Chart 3.9: Month on Month APY Enrolment during FY 2021-22 2. Performance: Punjab Gramin Bank, Rajasthan Marudhara Gramin Bank, Sarva Haryana Gramin During the FY 2021-22, 8 Public Sector Bank, Saurashtra Gramin Bank, Telangana Banks (State Bank of India, Indian Bank, Grameena Bank, Tripura Gramin Bank, Bank of India, Bank of Baroda, Central Bank Uttar Bihar Gramin Bank, Uttarakhand of India, Bank of Maharashtra, Canara Bank Gramin Bank, Uttarbanga Kshetriya and Indian Overseas Bank) have achieved Gramin Bank and Vidharbha Konkan annual target of 70 Average Account Per Gramin Bank achieved annual target of 70 Branch (AAPB). 31 RRBs Aryavart Bank, AAPB. Andhra Pradesh Grameena Vikas Bank, Andhra Pragathi Grameena Bank, Assam Among Private Banks, Tamilnad Mercantile Gramin Vikash Bank, Baroda Gujarat Bank achieved annual target of 30 AAPB. Gramin Bank, Baroda Rajasthan Kshetriya Among payments bank, Airtel Payments Gramin Bank, Baroda U.P. Bank, Chaitanya Bank achieved the annual enrolment target Godavari Grameena Bank, Dakshin Bihar for FY 2021-22. Gramin Bank, Himachal Pradesh Gramin Bank, Jharkhand Rajya Gramin Bank, Among Small Finance Bank, AU Small Karnataka Gramin Bank, Karnataka Vikas Finance Bank Limited achieved annual Grameena Bank, Madhyanchal Gramin target of 50 AAPB. Bank, Maharashtra Gramin Bank, Manipur Rural Bank, Madhya Pradesh Gramin 6 Cooperative Banks (Shri Mahila Bank, Odisha Gramya Bank, Paschim Sewa Sahakari Bank Ltd, The Kalupur Banga Gramin Bank, Prathama UP Gramin Commercial Cooperative Bank Ltd, The Bank, Puduvai Bharthiar Grama Bank, Sabarkantha District Central Cooperative 93Part III Bank Ltd and Rajkot Nagarik Sahakari 3.10 Performance of Pension Fund Bank Ltd., South Canara District Central Reference Table no 3.37, funds under NPS Co-Operative Bank and The Surat District scheme have shown an overall growth of Co-Operative Bank) also achieved annual 27.43% Y-o-Y. The scheme wise growth target of 20 AAPB. details are as below. Table 3.37: Asset Under Management (AUM) Break up in NPS- Growth Scheme Wise Position as on March 31, 2022 Amt. Rs. In Crore Growth in AUM Mar-20 Mar-21 Mar-22 YoY Mar 21 over Mar YoY Mar 22 over Mar 21 Schemes 20 Amount % Amount % Equity Tier I 7932.06 18979.51 30303.86 11047.45 139.28 11324.35 59.67 Equity Tier II 352.55 850.99 1424.51 498.44 141.38 573.52 67.39 Equity Total 8284.61 19830.50 31728.37 11545.89 139.37 11897.87 60.00 % Share in Total 31.18 41.59 41.20 AUM of Tier I&II Bonds (C)Tier I 6495.77 9686.51 15509.97 3190.74 49.12 5823.46 60.12 Bonds (C)Tier II 297.26 482.72 762.55 185.46 62.39 279.83 57.97 Bonds (C) Total 6793.03 10169.23 16272.52 3376.20 49.70 6103.29 60.02 % Share in Total 25.57 21.33 21.13 AUM of Tier I&II G Sec (G) Tier I 10992.81 16766.30 27630.39 5773.49 52.52 10864.09 64.80 G Sec (G) Tier II 457.16 835.48 1214.08 378.32 82.75 378.60 45.32 G Sec (G) Total 11,449.97 17,601.78 28844.47 6151.81 53.73 11242.69 63.87 % Share in Total 43.10 36.92 37.46 AUM of Tier I&II Scheme A Tier I 39.60 74.76 162.65 35.16 88.79 87.89 117.57 Scheme A Tier II - - - - - - - Scheme A Total 39.60 74.76 162.65 35.16 88.79 87.89 117.57 % Share in Total 0.15 0.16 0.21 AUM of Tier I&II Sub Total Tier I 25460.24 45507.08 73606.87 20046.84 78.74 28099.79 61.75 Sub Total Tier II 1106.97 2169.19 3401.13 1062.22 95.96 1231.94 56.79 Tier I + Tier II 26567.21 47676.27 77008.01 21109.06 79.46 29331.74 61.52 NPS Lite 3728.40 4354.38 4686.74 625.98 16.79 332.36 7.63 APY 10526.26 15687.11 20922.60 5160.85 49.03 5235.49 33.37 Corporate CG 27143.03 36929.68 47343.05 9786.65 36.06 10413.37 28.20 Sub Total (Pvt 67964.87 104647.44 149960.40 36682.57 53.97 45312.96 43.30 Sector) % Share in Total 16.28 18.10 20.36 AUM 94Annual Report-2021-22 Growth in AUM Mar-20 Mar-21 Mar-22 YoY Mar 21 over Mar YoY Mar 22 over Mar 21 Schemes 20 Amount % Amount % Central Govt 138014.67 181416.26 216883.09 43401.59 31.45 35466.83 19.55 % Share in Total 33.06 31.39 29.44 AUM State Govt 211499.55 291959.92 369743.33 80460.37 38.04 77783.41 26.64 % Share in Total 50.66 50.51 50.20 AUM Sub Total (Govt.) 349514.22 473376.18 586626.42 123861.96 35.44 113250.24 23.92 % Share in Total 83.72 81.90 79.64 AUM Scheme TTS - 2.12 6.74 % Share in Total - - - AUM Grand Total 417479.13 578025.74 736593.57 160546.61 38.46 158567.83 27.43 Source: NPS Trust website reports. Table 3.38: The position of the AUM with the Pension Fund Managers Amt. Rs. In Crore S. Growth in AUM Pension Fund Mar-21 Mar-22 No. Amount % 1 SBI Pension Funds Private 2,22,615.19 2,82,475.65 59,860.46 26.89 Limited 2 UTI Retirement Solutions 1,66,209.21 2,01,918.51 35,709.30 21.48 Limited 3 LIC Pension Fund Limited 1,63,389.54 2,09,386.28 45,996.74 28.15 4 ICICI Prudential Pension 7,558.64 11,614.32 4,055.68 53.66 Funds Management Company Limited 5 Kotak Mahindra Pension Fund 1,572.14 2,229.93 657.79 41.84 Limited 6 HDFC Pension Management 16,383.98 28,413.86 12,029.88 73.42 Company Limited 7 Aditya Birla Sun Life Pension 297.03 555.01 257.98 86.85 Management Limited Total 5,78,025.74 736,593.56 158,567.83 27.43 Source: NPS Trust 95Part III Table 3.39 Scheme wise Pension fund wise returns as on March 31,2022 Since inception (in percent) Scheme SBI LIC UTI KOTAK HDFC ICICI BIRLA CG 9.87 9.66 9.63 SG 9.56 9.64 9.59 APY 9.18 9.48 9.44 NPS Lite 10.05 10.12 10.05 9.91 Corporate-CG 9.66 9.75 E 10.86 13.02 12.27 11.79 15.30 12.48 13.28 C 10.18 9.78 9.15 9.79 10.02 10.14 9.25 TIER I G 9.39 10.42 8.41 8.70 9.49 8.72 8.13 A 9.84 7.79 6.57 7.44 8.91 7.58 6.81 E 10.68 10.79 11.06 11.22 13.35 10.98 13.22 TIER II C 9.70 9.21 9.20 9.08 9.19 9.97 8.45 G 9.39 10.68 9.06 8.44 9.67 8.81 7.30 TIER II TTS 3.09 5.68 3.37 7.23 3.92 5.46 6.63 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 & 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, 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, 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, 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, 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, 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; 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; SBI October 13, 2016 and UTI October 14, 2016 (Scheme A-I) 3.11 Regulated Assets all the components required for running the application, any third party software “Regulated Assets” means and includes and component off the shelf specific to the tangible and intangible assets created CRA application system, all relevant CRA exclusively for the purpose of operations project data, dedicated specific hardware/ of CRA comprising bespoke software with software components of Data Centre 96Annual Report-2021-22 and Disaster Recovery Centre, networks subscribers. At the entry to the NPS and all other facilities excluding physical system, the intermediaries responsible infrastructure (building, air conditioners, for registration of the subscribers in NPS power supply infrastructure, furniture). i.e., PoPs, charge fees which are collected upfront from the subscribers. The charge On the expiry of the tenure of the registration for registration of Atal Pension Yojana or in the event of termination of the CRA, (APY) is borne by the government. In information and regulated assets held by the next stage, CRA, the recordkeeping CRA shall be transferred to another CRA agency, levies fee for opening account registered with the Authority, within the and generation of PRAN, maintenance of time period and in the manner, as may be account by cancellation of units. Thereafter, required under the PFRDA Act, rules or for each transaction involving contribution regulations or as may be directed by the of the subscribers there is charge by both Authority. CRA and POP. Investment management fee is charged by the Pension Funds for 3.12 Fees and other charges levied or managing the investment portfolio of the collected by the Authority during the subscribers. The custodian of the securities financial year. charges for the assets under its custody and Fees and charges are levied on the reimbursement of NPS Trust expenses are subscribers of the NPS at various stages charged from the subscribers. by the intermediaries serving to the Table 3.40: Fees and charges to the subscribers at various stages Intermediary Charge head Service Charges* Private / Govt. Lite/APY (in Rs.) CRA PRA Opening CRA charges for CRA charges NCRA: 15 charges account opening for account KCRA: 15 if the subscriber opening opts for Physical if the CAMS: 15 PRAN card if the subscriber subscriber opts for opts for Physical PRAN e-PRAN card card (in Rs.) (in Rs.) Welcome Welcome kit sent vide kit sent in email only physical (in Rs.) (in Rs.) NCRA 40 35 18 KCRA 39.36 39.36 4 CAMS 40 40 40 Note: The reduction in charges will be on the current charge structure and excludes applicable taxes. Charges will be applicable post release of the functionalities by CRAs to capture the choice of NPS subscribers to have physical or ePRAN card. 97Part III Annual PRA NCRA: Rs. 69 NCRA: Maintenance 20.00 KCRA: Rs. 57.63 cost per account KCRA: CAMS: Rs. 65 14.40 CAMS: 16.25 Charge per NCRA: Rs. 3.75 Free transaction KCRA: Rs. 3.36 CAMS: Rs. 3.50 POP - Private Govt. - Initial subscriber Rs. 200 NA NA registration and contribution upload Any subsequent 0.5% of contribution NA NA transactions Min. Rs. 20 Max. Rs. 25000 Persistency Rs. 50 per annum NA NA > 6 months & Rs. 1000 contribution Persistency Rs. 50 per annum NA NA > 6 months & Rs. 1000 contribution Contribution 0.10% of contributionMin Rs. NA NA through eNPS 10, Max Rs. 10000 (Only for NPS-All Citizen and Tier-II Accounts) Trustee Bank - NIL Custodian Asset Servicing 0.0032% p.a. for Electronic and Physical Segment charges PF charges Investment 0.01 % of AUM p.a. (For private sector) 0.0102% % of AUM p.a. Management Fee (For govt sector) NPS Trust Reimbursement 0.005% of AUM p.a. of Expenses * In case of Government employees, CRA charges are being paid by the respective Governments. # Erst-while Karvy Computershare Pvt. Ltd (K Fintech Pvt. Ltd) has started operation w.e,f. February 15, 2017 The Fees received by PFRDA from the various intermediaries during the financial year 2021-22 is provided in the table below: Table 3.41: Fees received during the Financial Year 2021-22: S.No. Intermediary Fee receipt* (Rs. in Lakh) 1 Trustee Bank- Axis Bank 2,316.83 2 Pension Fund 9,607.57 98Annual Report-2021-22 S.No. Intermediary Fee receipt* (Rs. in Lakh) 3 CRA- NSDL- E Governance Infrastructure Ltd 1,011.57 4 Custodian - SHCIL 249.71 5 CRA- CAMS 0.01 6 Retirement Advisor / POP/Aggregator/ASP/ 154.92 EMD/RFP Processing Fee 7 CRA- Karvy Computershare Pvt Ltd 18.33 Total 13,358.94 *Fee received from various intermediaries are accounted on realization basis. 3.13 Information sought for, inspections c). Account balance certificate on undertaken, inquiries conducted, and un-reconciled balances in NPS investigations undertaken including collection accounts; audit of intermediaries and other entities d). Half yearly/yearly internal audit or organizations and connected with pension funds. reports; 3.13.1 Inquiries and investigation e). Cyber security certificate; PFRDA and NPS trust review the reports f). Pending grievances; submitted by CRA, Trustee Bank and their g) Utilisation Certificate under APY auditors to ensure that the intermediary is following the turnaround time as defined for credit of Government Co- in service level agreements. contributions to subscribers saving bank account. 3.13.2 Inspection and Audits (ii) The defaulting PoPs are advised to PFRDA regulates and supervises the PoPs adhere to the specified operational through offsite and onsite monitoring Turn Around Times and to pay mechanism as under: compensation for delays observed if (a) Offsite monitoring: any. (i). The offsite monitoring and supervision (iii) If deemed fit, the matter can be referred include review of the following reports to Adjudication department for submitted to the PFRDA: - initiating Adjudication proceedings. a). Monthly MISs, quarterly (b) Onsite monitoring: exception reports on the delays (i) PFRDA conducts Onsite inspections in SCF uploads and remittance of the POPs to monitor the compliance of contributions and other of the PoPs and their adherence to subsequent services. the operational TATs as specified b). Quarterly/half yearly compliance in the operations guidelines under certificates; the regulations. The inspection 99Part III parameters cover all the services The Authority issues advisories offered by the PoPs under NPS, / directions / notices to POPs to right from the enrolment process to ensure the compliance and smooth final exit. The PoPs are required to functioning of activities under NPS. comply to various Acts and Rules viz. 4. Submission of preliminary report: the customer due diligence process including compliance of KYC as per In the event of any alleged violations PMLA Act and Rules. Other pertinent having been detected, which prima facie issues include escalated grievances discloses any act of omission or commission pending for resolution, reporting covered under Section 28 of the Act, a of operational delays, payment of formal preliminary report is submitted compensation if any, balances in to Member in Charge (Investigation and collection accounts etc. Surveillance) in accordance with PFRDA (Procedure for inquiry by Adjudicating (ii) During FY 2021-22, onsite inspection Officer) Regulations, 2015. of 7 PoPs have been conducted for activities under NPS and APY owing to 5. Policy Matters Covid -19 pandemic. Further, regular VCs were conducted with PoPs for Based on the requirement and suggestions compliance of pending deviations received from various stakeholders for observed during inspections improvement in process and procedures, conducted by PFRDA for previous PFRDA examines and recommends the years and unreconciled /outstanding improvements for the benefit of subscribers contributions in collection account and stakeholders. under NPS, NPS-Lite, and APY etc. For all other intermediaries under NPS, reported in the compliance reports. mechanism exists for offsite/onsite (iii). The audit reports pertaining to FY inspections. 2019-20 of 70 PoPs conducted by 3.14 Others NPS Trust empanelled auditors were examined along with the status of 3.14.1 Subscribers (category wise) covered pending deviations for previous audit under the National Pension System and periods. Deviations observed during other pension schemes under the Act the audit and the pending deviations for previous years were shared and i) Number of Subscribers under NPS followed up with the PoPs under NPS over the Years and NPS-lite for the compliance. Enrolment of subscribers in NPS increased from 424.40 lakh in March 2021 to 520.2 lakh 3. Issuance of advisories/directions/ in March 2022. The growth of number of notices under Regulation 14(2)(o) of subscribers during 2021-22 is 22.57 per cent. PFRDA Act,2013 to PoPs under NPS, A year-wise number of NPS subscribers is NPS-Lite, APY and RAs provided in below chart. 100Annual Report-2021-22 Table 3.42: Sector wise number of Subscribers under NPS/APY: March 2021 March 2022 Growth over year Sectors (No. in lakh) (No. in lakh) Absolute increase Per cent (No. in lakh) Central Government 21.76 22.83 1.08 4.96 % To total 5.13 4.39 State Government 51.41 55.77 4.36 8.48 % To total 12.11 10.72 Corporate 11.25 14.05 2.80 24.89 % To total 2.65 2.70 All Citizen/UoS 16.47 22.92 6.45 39.16 % To total 3.88 4.40 NPS Lite* 43.02 41.87 - - % To total 10.14 8.05 APY 280.49 362.77 82.28 29.33 % To total 66.09 69.74 Total 424.40 520.22 95.82 22.58 *(No fresh registration permitted after 01st April 2015) Chart 3.10: Year wise number of subscribers under NPS & APY 101Part III ii) No. of subscribers – Sector wise Government Sector Table 3.43: No. of Subscribers, Contribution & AUM of Government Sector as on March 31, 2022 Sector No. of subscribers Contributions AUM (Rs. crore) (Rs. crore) Central Government 22,83,671 1,50,491 218577 State Government 55,76,986 2,74,949 369427 Total 78,60,657 4,25,440 588004 Government subscribers have increased from 73.16 lakh as end of March 2021 to 78.61 lakh subscribers as end of March 2022, registering an increase of 5.44 lakh (7.44 per cent). Private Sector Table 3.44: No. of Subscribers, Contribution & AUM of Private Sector as on March 31, 2022 Sector No. of subscribers Contributions AUM (Rs. crore) (Rs. crore) Corporate Sector 14,04,569 66,089 90,634 All Citizen/UoS * 22,92,014 33,348 32,346 Total 36,96,583 99,437 1,22,980 Under Private sector, number of corporate subscribers has increased from 11.25 lakh to 14.05 lakh, an increase of 2.80 lakh subscribers. The subscribers under UoS/All Citizen have increased from 16.47 lakh as end of March 2021 to 22.92 lakh as end of March 2022, an increase of 6.45 lakh subscribers. Unorganised Sector Table 3.45: No. of Subscribers, Contribution & AUM of NPS Lite and APY as on March 31, 2022 Particulars Subscribers (In No.) Contributions AUM (Rs. in crore) (Rs. in crore) NPS Lite 41,86,943 3,107 4,687 Atal Pension Yojana 3,62,76,704 18,647 20,923 Total 4,04,63,647 21,754 25,610 • Number of subscribers under NPS 404.64 lakh in March 2022, increasing Lite and APY, together, has increased by 81.13 lakh subscribers (25.08 per from 323.51 lakh in March 2021 to cent). 102Annual Report-2021-22 • New entry into NPS Lite scheme has • Scheme operates through all Bank been discontinued w.e.f. April 1, 2015, Branches /Post Offices/Payment and APY was launched on May 9, Banks/Small Finance Banks registered 2015, and it became operational from with Central Recordkeeping Agency 1st July 2015. APY is focused on the (CRA). poor and the under-privileged citizen • APY scheme is managed by three of India; it will provide a defined public sector pension funds namely pension after 60 years of age. LIC, SBI and UTI. The asset under • Under the APY, the subscribers would management of this scheme as in receive the minimum guaranteed March 2022 is Rs. 20,923 crores. pension of Rs. 1000 per month, Rs. 2000 • Under APY: - per month, Rs. 3000 per month, Rs. 4000 per month, Rs. 5000 per month, a. 79.78 per cent of the subscribers at the age of 60 years, depending have opted for Rs 1000 pension on their contributions, which itself amount whereas 12.86 per cent of the would be based on the subscriber’s subscribers have opted for Rs 5000 age on joining the APY. The minimum pension amount age of joining APY is 18 years and maximum age is 40 years. Therefore, b. 27.95 per cent of the pension aspirants minimum period of contribution by are in the age group of 21-25 years. any subscriber under APY would be c. The ratio of female and male 20 years or more. subscribers is 44:56 Table 3.46: Detailed Analysis of registered APY subscribers (PRANs Generated) on the basis of Gender, Pension Amount and Age. Gender wise Sr. No. Gender PRAN Count Percentage 1 Female 1,78,04,866 44.37 2 Male 2,23,12,842 55.61 3 Transgender 9,571 0.02 Total 4,01,27,279 100.00 Pension Amount wise Sr. No. Pension Amount (Rs. Per month) PRAN Count Percentage 1 1,000 3,20,12,653 79.78 2 2,000 17,60,939 4.39 3 3,000 8,59,451 2.14 4 4,000 3,32,309 0.83 5 5,000 51,61,927 12.86 Total 4,01,27,279 100.00 103Part III Age wise Sr. No. Age Range PRAN Count Percentage 1 Between 18 to 20 Years 66,87,003 16.66 2 Between 21 to 25 Years 1,12,15,899 27.95 3 Between 26 to 30 Years 99,30,748 24.75 4 Between 31 to 35 Years 77,76,413 19.38 5 Above 35 Years 45,17,216 11.26 Total 4,01,27,279 100.00 3.14.2 Points of Presence 3.14.3 Assets under Management Scheme wise Under the architecture of NPS, there are 311 Points of Prescience (NPS-regular/ The details of the scheme wise asset under Aggregators/APY-SP) and 50 POP- management are given in the table below SEs registered with the Authority as on 31.03.2022 Table No. 3.47: Scheme wise Asset under Management (Rs. Crore) Scheme March 21 March 22 Absolute Growth in Growth Percent Central Government 181416.26 216883.08 State Government 291959.92 369743.33 Sub Total 473376.18 586626.41 113250.23 23.92 NPS Lite 4354.38 4686.740 Atal Pension Yojana 15687.11 20922.59 Corporate CG 36929.68 47343.05 Tier I – E 18979.51 30303.85 Tier I – C 9686.52 15509.97 Tier I – G 16766.29 27630.38 Tier I – A 74.76 162.65 Tier II – E 850.98 1424.50 Tier II – C 482.73 762.54 Tier II –G 835.49 1214.07 Tier II – TTS 2.12 6.74 Sub Total 104649.56 149967.14 45317.58 43.30 Grand Total 578025.74 736593.56 158567.82 27.43 104Annual Report-2021-22 The above table indicates that the asset Limited. (Formerly known as NSDL under management for government sector e-Governance Infrastructure Limited) NPS schemes (CG and SG) has grown by • KFin Technologies Limited. around 24 percent, however the asset under management of the schemes other than • Computer Age Management Services these two schemes has grown by around Ltd. 43 percent. In terms of absolute number, the government sector schemes grew Protean, was appointed by PFRDA, as the by Rs.1,13,250 crore whereas other than Central Recordkeeping Agency and an government sector schemes in aggregate agreement was executed on November grew by Rs. 45,318 crores. 26, 2007. After notification of the PFRDA (Central Recordkeeping Agency) 3.14.4 The central recordkeeping Agency, Regulations, 2015 with effect from April 27, its role, and functions 2015, NSDL e-Governance Infrastructure Ltd was issued certificate of registration to i) Introduction work as Central Record keeping Agency Central Recordkeeping Agency is required effective from December 18, 2015, for the to establish an internal system (defined remaining period of the original contract under section 21 of PFRDA Act 2013) dated November 26, 2007, effective from that delivers compliance with standards December 01, 2007, for 10 years and after for internal organization and operational that periodic extensions were granted. conduct, to protect the interests of CRA acts as an operational interface for all subscribers under the framework of the intermediaries. The role includes liasoning National Pension System (“NPS”). It also with all necessary external agencies acts as an operational interface between and recordkeeping, administration, PFRDA and other NPS intermediaries and customer service functions for all such as Pension Funds, Annuity Service subscribers of the NPS. During the FY Providers, Trustee Bank, etc. 2016-17, PFRDA had registered M/s KFin Technologies Private Limited (erstwhile Central Record Keeping Agencies M/s Karvy Computershare Private Limited) also provide periodic and ad-hoc MIS as second CRA and allowed them to start (including Grievance redressal) to PFRDA, its operations for servicing of accounts State Governments, Central Government, sourced through e-NPS module of NPS and Ministry of Finance, conduct periodic Trust wherein the subscriber was provided orientation programs for nodal offices, and an option to choose between Protean and provide seamless and error-free system M/s Kfin Technologies CRA (2nd CRA) operations involving CRA system, PFs, TB, with effect from February 15, 2017, and and other entities in NPS. other distribution channels thereafter. M/s Kfin Technologies CRA was allowed to Presently, the following three entities service the new accounts till March 31, 2017, are registered as Central Recordkeeping and thereafter it was allowed to function as Agency, out of which one entity is expected a full-fledged CRA with interoperability to be fully operational by 30.09.2022: functionality providing for option to shift • Protean eGov Technologies for existing subscribers of NPS from April 105Part III 01, 2017, onwards. In FY 2020-21, another developments of new functionalities. entity, Computer Age Management It is the responsibility of the CRA Services Ltd. (CAMS) has been granted to create and establish Facilitation- Certificate of Registration under PFRDA Centres network across country. (CRA) Regulations, 2015. The third CRA They have to develop various has operationalised its eNPS platform new functionalities/utilities and w.e.f. 17th March 2022. However, it is yet do continuous enhancements and to commence its operations fully. development of modules to address changing requirements of various Under sub regulation 4 of regulation 3 stakeholders. the CRA regulations, the allocation of the subscribers between the existing central ii. Services to Subscribers of all sectors. recordkeeping agency and the other central The primary role of CRA is of recordkeeping agency or agencies, if recordkeeping, administration, appointed, shall be based on a transparent providing customer service functions criteria and process as may be notified by the for all NPS subscribers, issuance Authority from time to time having regard of unique Permanent Retirement to the subscribers’ interest. Accordingly, Account Number (PRAN) and IPIN/ the criterion for allocation of subscribers is TPIN to the subscribers. The various mentioned as under: services to the subscribers includes sending SMS alerts and emails at the In case where there is employee- employer time of registration, credit/ debit relationship, including corporate, if the of units, withdrawal, balance in CRA charges are being borne by the the PRAN, conducting subscriber employer, the decision to select the CRA awareness programs and providing shall rest with the employer, unless they web-based access to all the NPS specifically delegate the option to individual stakeholders. CRA also provides employees and in all other cases, the choice Centralized Grievance Management of selection of CRA will rest with the System and Call-Centre facility to employee/ subscriber under NPS. In case the subscribers and Nodal offices. of voluntary subscribers (without existence Besides these services all subscriber of any employee-employer relationship) maintenance services such as change the option to choose a CRA rests with the of scheme, change of demographic subscriber in general. In case of subscribers details, grievance handling etc. are registered under Atal Pension Yojana, the being handled by CRA. respective government will choose the CRA for rendering the services. In case of iii. Services to Intermediaries NPS Lite subscribers the PoP/Aggregator (i) PFs- It is the primary responsibility had the option to choose the CRA. of CRA to timely intimate the ii) Role and responsibilities of CRA position of the funds to PFs, prepare and send consolidated The major role and responsibilities of CRA Investment Preference Scheme are as follows: information, sending net fund transfer report to PFs on the basis i. Continuous Enhancements and 106Annual Report-2021-22 of confirmation of fund transfer approval, considering the wider impact of report received from Trustee change in name over a framework of NPS bank and to measure the Scheme as well as subscribers, the following steps performance reports using NAVs were taken to avoid any adverse impact sent by PFs to CRA. on operations of CRA activities by the company due to the name change: (ii) TB- To reconcile pension fund reports received from Trustee Bank • Ensuring smooth transition of change Account(s) with pension fund in name of CRA, so that servicing of the contribution information report existing subscriber and functioning of and generate error/discrepancy intermediaries under NPS architecture report on fund reconciliation, are not adversely impacted. sending instruction to Trustee • To ensure that, NCRA enables Bank to remit withdrawal fund subscriber education/ dissemination to subscribers’ account and remit of information to the intermediaries/ remaining amount to Annuity stakeholders. Service Providers’ account against the annuity scheme. • To take necessary action to resolve operational aspects/issues/concerns (iii) ASPs - To collect physical application forms from the • To ensure that, the cost incurred for all subscribers and forward them to the above activities would be borne by ASPs and sharing funds transfer the NCRA details for the subscriber’s annuity to ASPs. Transferring electronic (2). With the view to expand business data transfer to ASPs with respect prospects as CRA, KFin Technologies to subscriber details and sending Private Limited had requested Authority instruction on Annuity scheme. to provide its approval for changing its constitution from a private limited iv. Others company to a public limited company. After ensuring all necessary information, Provide periodic and ad-hoc MIS declarations, certifications and approvals (including Grievance redressal) to PFRDA, from RoC, the Certificate of Registration State Governments, Central Government (COR) was issued by the Authority to KFin and Ministry of Finance, conduct periodic Technologies Limited (in their revised orientation programs. name). iii) Issuance of Certificate of Registration: Choice of CRA to subscribers/ During the financial, Authority issued intermediaries/stakeholders: Certificate of Registration (“CoR”) to Currently, M/s Protean eGov Technologies Protean eGov Technologies Limited in its Limited and M/s KFin Technologies new name, based on a request for approval Limited are carrying out activities of CRA to change its name/constitution, received and Computer Age Management Services from NSDL e-Governance Infrastructure Ltd. is yet to be fully operational, thus, Limited (‘N-CRA”). During the process of 107Part III the subscriber has been provided with an also include Computer Age Management option to choose between M/s Protean Services Ltd. after being fully operational. eGov Technologies Limited and M/s To facilitate ease of contact in case of any KFin Technologies Limited with effect issue/query of subscribers/intermediaries from February 15, 2017. Interoperability and other stakeholders, the contact details of functionality allows the existing subscribers CRAs, including other information related of NPS to shift from one CRA to the other to charge structure are made available on from April 01, 2017, onwards, which shall the website of PFRDA. Contact of Central Recordkeeping Agencies: Name of Entity Contact Details Address M/s Protean 1800 222 080 Protean eGov Technologies Limited Ltd eGov 1st Floor, Times Tower Technologies Kamla Mills Compound Limited Senapati Bapat Marg Lower Parel, Mumbai-400013 M/s KFin 1800 208 1516, M/s KFin Technologies Private Limited, Technologies 1800 208 1617 Selenium Tower B, Plot No. 31 & 32, Limited. Selenium Building, Financial District Nanakramguda, Gachibowli, Hyderabad - 500032. M/s Yet to be operational M/S Computer Age Management Services Computer Age Ltd. Management Rayala Towers V Floor, 158 Anna Salai Services Chennai - 600 002 Limited. 3 Annual Fee Technologies Limited (“P-CRA”) had reduced their PRA Annual maintenance Authority, vide a Circular No. charges from w.e.f 01.10.2021. In this regard, PFRDA/2020/22/REG-CRA/3, dated in compliance with the observations of the 15.06.2020, had prescribed a “Guidelines for Board, P-CRA was informed to ensure that Price Discovery Mechanism for the charges there should not be an adverse impact on to be levied by Central Recordkeeping the quality of service due to a cost reduction Agencies (“CRA”) for the services rendered and until the next revision in the charge by them to the subscribers, as an integral structure, increase in charges shall not be part of Selection of Central Recordkeeping permitted, however, reduction in charges is Agencies initiated in 2020 in accordance always welcome. with on-tap registration of CRA under the provisions of PFRDA(CRA) Regulation The present charge’s structure to be levied 2015 and amendments thereto. by Central Recordkeeping against their services rendered to NPS regular and NPS During the financial year, Protean eGov Lite subscribers is as below: 108Annual Report-2021-22 Table No. 3.48: CRA Service Charges Structure for NPS Regular and NPS Lite/APY S. Service Charge M/s Protean eGov M/s KFin M/s Computer Age No. head Technologies Limited Technologies Ltd Management Services Ltd. (1st CRA) (2nd CRA) (Yet to be fully operational) NPS NPS Lite/ NPS NPS NPS NPS Lite/ APY Regular APY (Rs.) Regular Lite/ Regular (Rs.) (Rs.) (Rs.) APY (Rs.) (Rs.) 1 PRA opening 40.00 15.00 39.36 15 40.00 15.00 charges 2 PRA Annual 69.00* 20.00 57.63 14.4 65.00 16.25 maintenance charges 3 Transaction 3.75 NIL 3.36 NIL 3.50 NIL charges Note: * w.e.f 01.10.2021. 4. Regulations and amendments: organization and operational conduct, with the aim of protecting the interests of NPS The PFRDA (Central Recordkeeping subscribers and their assets. Agency) Regulations, 2015, have been notified on 27th April, 2015. Subsequently, During the financial year, the PFRDA PFRDA (Central Recordkeeping Agency) (Central Recordkeeping Agency) (Firs Amendment) Regulations, 2018 have Regulations 2015 and amendments thereto been notified on 25th June 2018. were examined. The objective of the Pension Fund Considering the emerging/proposed Regulatory and Development Authority changes in PFRDA Act 2013 under the (Centra Recordkeeping Agency) roles and responsibilities of NPS Trust, Regulations, 2015 is to set standards for wherein NPS Trust may primarily be made the eligibility, governance, organization responsible for the monitoring of activities of and operational conduct of the entity who the pension funds, custodian, trustee bank, wish to function as Central Recordkeeping and exits & withdrawal functions of CRA, Agency. Regulations would ensure an the extant CRA regulation was amended as e-ective and credible use of inspection, PFRDA (Central Recordkeeping Agency) investigation, surveillance and enforcement (Amendment) Regulation 2021 notified on powers and implementation of an efficient 14.06.2021, thereafter, the compliance with compliance program in tune with the spirit respect to laying of regulations before each of PFRDA Act. house of parliament as prescribed under section 53 of PFRDA Act 2013 was also met. Entity registered as Central Recordkeeping Agency through this regulation is required 5. Development of New Functionalities to establish an internal system that delivers Continuous enhancements and development compliance with standards for internal 109Part III of modules to address changing (Savings Bank Account number) and requirements of various stakeholders is match the name in bank account one the main objective of CRA. Various number with the name in PRAN functionalities were developed by CRA (Permanent Retirement Account to ensure the seamless functioning of NP Number) or as per the documents system. Few of the major developments are submitted. The validity of account is as under: verified by making a ‘test transaction’ by penny dropping a specified Facilities available to Subscribers under amount into the beneficiary’s SBA NPS and matching the name based on the penny drop response. The response i) Online Aadhaar based eKYC rolled of ‘Success’ or ‘Failure’ would be out for subscriber registration provided by the service provider based through eNPS platform-Pursuant to on validation of the SBA number and the approvals from Dept. of Revenue, name check as per CRA records. Government of India to undertake Online Aadhaar e-authentication iii) eNPS for Government - A new On- services from UIDAI under Section boarding feature for Government 11A of PML 2002, Protean – CRA and Sector Subscribers CAMS CRA have enabled the Aadhaar based online e-K authentication eNPS is the online platform hosted functionality for subscriber by the CRAs on behalf of NPS Trust, registration in eNPS platform. The KY wherein details are fetched from the UIDAI Subscriber can register and contribute database upon verification of the online under NPS. At present, Aadhaar no entered by the subscriber. under eNPS, the facility of online The details fetched are non editable. registration is available to All Citizens More than 3.50 Lakh accounts have of India sector and Corporate Sector been opened using this mode of KYC Subscribers. Whereas the online verification. contribution & Tier II Account ii) Instant bank account verification – activation facility is available to all Penny Drop the registered Subscriber including Government Sector Subscribers In order to resolve the issue of return having active PRAN under NPS. Now, of remittances, to protect the interest the Government employees (who of subscribers with timely credit are covered under NPS) will have of amount and for additional due the facility to register online in NPS diligence to identify the rightful and generate Permanent Retirement beneficiary, Instant Bank Account Account Number (PRAN) through Verification by ‘penny drop’ has been eNPS. The process of registration adopted by CRAs, by integrating their through eNPS will be a paperless IT system and exit framework with process wherein the Subscriber the Fin-tech service providers. will submit the registration request Through ‘penny drop’ process, CRAs through digital signature. would check the active status of SBA 110Annual Report-2021-22 iv) Display of charges in the Statement the Government/ Corporate who are of Transaction is made available – superannuating resigning from their Ensures Transparency employment and who wish to continue with their NPS account further, will In order to ensure transparency and now have the option to shift their full disclosure to the subscribers, account to the All Citizen sector and the Statement of accounts has been continue with their existing scheme modified to include the various charges preference/ investment pattern. charged to the NPS subscribers along Earlier the subscribers having scheme with the mode and manner in which preference/ investment pattern not they are charged. available to the All Citizen sector subscribers had to shift their account v) Integration with Digilocker for NPS/ and opt for a scheme preference/ APY centric services -In order to take investment pattern available to the the view of the Government of India subscribers under the All Citizen to provide all citizen centric services sector. The move will reduce the through digital platform, NPS has redemption and reinvestment risk. been integrated with Digilocker and the PRAN card is now available to viii) SoT in multiple languages -Transaction the subscribers in their digilocker statement is now available to accounts along with other documents. subscribers in English, Hindi, Marathi Further, the subscriber registration and Kannada. process has also been modified to provide an option to utilize the ix) “Know Your PRAN” in eNPS documents available in Digilocker KFintech CRA has provided the option as Proof of Address and Proof of to subscribers to retrieve their PRANs Identity to further provide choice to through the Know Your PRAN option the subscribers. on eNPS website. User needs to enter vi) Integration of SoT with Consolidated PAN, Date of Birth and Captcha. OTP Account Statement (CAS) of Mutual will be sent to the registered mobile Funds –In order to provide the number and email ID. O successful subscribers with a consolidated authentication of OTP, PRAN and information regarding their Subscriber name will be shown to the investment, PFRDA is in the process User. to provide the NPS investment x) Integration with UMANG App – information also in the CAS statement being provided by RTAs for Mutual KFintech CRA has integrated with Fund customers. UMANG App to provide NPS Services. T subscriber has to provide vii) Option to Government and Corporate the PRAN & password and after due subscribers who are superannuating/ authentication, can avail the following resigning to continue with their NPS services on UMANG website/ scheme preference/ investment app: pattern –The subscribers tagged to 111Part III • Personal details view i) D Remit Virtual ID- Subscriber can now create their D Remit Virtual ID • Bank details view – Tier I & Tier II through the mobile App in addition to • Nominee details view – Tier I & visiting the eNPS website. Tier II ii) Reset password using OTP-Subscriber • Scheme details – Tier I & Tier II can now reset his/her password using Mobile App through OTP. The • Total holding – Tier I & Tier II Subscriber is required to enter his/ • Scheme-wise holding – Tier I & her PRAN, Date of Birth and set his/ Tier II her new password and generate OTP. • Transaction statement on email On entering the correct OTP received on his/her mobile (registered with • Recent five contributions CRA), the password becomes active. • Update password This option is in addition to the option of resetting password using secret • Update mobile number question. • Update email id iii) Mobile app for IOS and Windows xi) ‘NPS ki Paathshala’ videos on Youtube platform user’s Mobile app has been for making the subscribers and nodal made available for subscribers using offices more aware about the various IOS and Windows platform functionalities and benefits of NPS. iv) XIRR displayed in the Mobile app xii) Frequently Asked Questions (FAQs) showing the returns being earned by along with answers against respective the subscriber on his corpus. query category are now available to Features under Atal Pension Yojana (APY) Subscriber & Entity (raising grievance i) eAPY-Prospective subscribers can on behalf of NPS Subscriber) i CGMS. now enroll under APY through the The Subscriber, raising any query eAPY platform without the need to through CGMS will have a provision visit their bank branch. The subscriber to view th FAQs & relevant answers must enter the required details and based on the category of grievance the Aadhaar no. for KYC verification selected. and the account will be opened and xiii) Online re-KYC option is available to tagged to the respective APY-SP. Subscribers in case KYC is rejected ii) Call Center for APY subscribers- by Bank/PO during registration Dedicated Call center for APY under NPS. Subscriber can update subscribers has been started. The APY the required details as per rejection Call Centre No. is 180 889-1030. reason and the same will be available iii) Proposal to open APY to all CRAs to for re-KYC to selected Bank/POP. bring innovation and more service Now, the re-KY facility is extended benefits t Subscribers. to all the Subscribers where KYC was rejected by Banks during Subscriber iv) APY Mobile App – Registration. 1. At present option is available to Features in NPS Mobile App download various documents like 112Annual Report-2021-22 Registration Form, Voluntary Exit migrate to Atal Pension Yojana. The Form, Contribution Matrix etc. At the details submitted by the subscriber time of download of documents, Use will be shared with the APY-SP for was redirected to the NSDL Website. verification and migrating the account. Now, Subscriber will be able to vii) APY -Lead Generation Module download all the documents in the (RundF)-Through LGM, Subscribers App only instead of getting redirected need not visit the APY-SP Branch as to NSDL website. account can be opened based on OTP authentication and the same can be 2. In APY App, Subscriber will be able to used by both potential Subscriber or by search and download PRAN Card by a well-wisher who wants to facilitate providing details such as Subscriber account opening for people whom he Name, Bank A/C Number, Date of / she knows. LGM helps APY-SPs to Birth and Captcha. Subscriber is not use the downloaded data for account required to login to App to access this opening. Upon submission of the feature. request the lead will be forwarded v) Upgrade/Downgrade minimum to concerned APY-SP for PRAN pension under APY-Under APY, the generation. LGM enables APY-S to Subscriber is required to select the source Subscribers with minimum minimum pension of Rs. 1,000/-, effort and cost. 2,000/- 3,000/-, 4,000 and 5,000/- per Features for Nodal Offices/POPs/ month that will be given at the age of 60 Corporates years depending on the contributions by the Subscribers. Accordingly, i) Error Rectification module in the contribution is deducted from NPS contribution -At the time of Subscriber’s Bank Account as per contribution processing, in case of any the frequency opted i.e. monthly/ error is found in any record, instead quarterly/half yearly. As per PFRDA of the entire file getting rejected, guidelines, APY Subscribers have an only that record is rejected and the option to upgrade/downgrade the other records without the error are opted pension amount. As per the processed. This will avoid delay in the current facility the subscriber had to processing of the contribution for the pay the differential/ shortfall amount. records where there is no error and Now the upgrade/ Downgrade reduces the efforts of the nodal officer. through Refixation model has been ii) Bank account type of nodal offices -In enabled for subscribers between addition to the Savings and Current the age of 18 to 40 years. The same account typein the CRA system, the has been made available in the APY nodal offices have been provided Mobile app. with the option to select Government vi) Option to NPS Lite Subscribers Account type. to migrate to APY -NPS Lite/ iii) HoD Dashboard Reports to Nodal Swavalamban Scheme subscribers Offices -HOD Dashboard reports have between the age of 18-40 years can been developed in CRA system for now us online eNPS/ eAPY portal to 113Part III Head of the Department (HODs) to Authority (Pension Fund) Regulations, monitor performance and compliance 2015 were notified on 14th May 2015 and of the associated DDOs. The HOD the Pension Funds had to abide by these level w be similar to PrAO/DTA regulations including any amendments who will monitor the operations of thereunder. underlying DDOs. A hierarchy has Functions of Pension Funds been created with HOD at the top and The functions of the Pension Funds include, their underlying DDOs along with but are not limited to the points mentioned PAO/DTO mapped with these DDOs. below: These DDOs and PAOs/DTOs may be associated to different PrAOs/DTA a) The management of pensions schemes in the existing Dashboard reports shall be carried in accordance with the available to Nodal Offices. The HOD objects of the schemes, provisions of Reports have been developed for the Act, Trust Deed, rules, regulations, Government Sector i.e. CG & SG. guidelines, and circulars issued by the Authority from time to time and CRA Toll Free Helpline within the timelines as specified by Dedicated toll free number the Authority or the National Pension (1800222081) is made available to System Trust. Nodal Offices for contacting CRA b) The day-to-day management of the regarding their general queries / pension funds shall be done by the complaints. This is in addition to an pension fund on behalf of the National existing toll fre number (1800222080) Pension System Trust. available for NPS Subscribers. c) The pension fund shall, at all times 3.14.5 Pension Funds render high standards of service, Pension fund means an intermediary exercise reasonable care, prudence, which has been granted a certificate professional skill, promptness, of registration under sub - section (3) diligence and vigilance while of section 27 by the Authority as a discharging its duties in the best pension fund for receiving contributions, interests of the subscribers. The accumulating them, and making payments pension funds shall avoid speculative to the subscriber in the manner as may be investments or transactions. specified by regulations. d) The pension fund shall employ Appointed and registered Pension Funds well qualified professionals or staff manage pension corpus through various with high integrity. The pension schemes under National Pension System or fund shall be responsible for the any other Scheme. Pension Funds use their acts of commissions or omissions access codes to confirm receipt of netted by its employees or authorised assets and instructions regarding fund persons whose services have been allocation, confirm allocation of funds and procured and its liability for such communicate the NAV of each scheme to acts of commissions or omissions. CRA and the custodian on a regular basis. This liability shall survive despite Pension Fund Regulatory and Development the cancellation or suspension or 114Annual Report-2021-22 withdrawal of certificate of registration System Trust. or supersession of management by the k) The pension fund shall ensure Authority. exclusivity and segregation of pension e) The pension fund shall facilitate and fund business activities from its co-ordinate with other intermediaries sponsors. and other entities interalia through l) The pension fund shall ensure agreements, technological platforms confidentiality with respect to for undertaking its functional subscribers’ information and activities obligations. relating to the pension fund and f) The pension fund shall maintain books protection of all information within of accounts, records, registers, and its control except as required by the documents relating to the operations Authority or the National Pension of the pension schemes to ensure System Trust or provisions of any law. compliance with the regulations, m) The pension fund shall provide such guidelines, circulars issued by the representations and warranties as Authority from time to time, and may be necessary for the protection of facilitate audit trail of transactions subscribers’ interest on behalf of the and business continuity at all times. National Pension System Trust. g) The pension fund shall submit 3.14.6 The Trustee Bank periodical and compliance reports Pension Fund Regulatory and Development as required under these regulations, Authority (Trustee Bank) Regulations guidelines, or circulars, or as may be called for by the Authority, or as PFRDA (Trustee Bank) regulations, 2015 required by the National Pension had been notified on March 23, 2015. System Trust from time to time. The objective of the Pension Fund h) The pension fund shall undertake Regulatory and Development Authority public disclosure of information for (Trustee Bank) Regulations is to set the benefit of subscribers in the mode standards for the eligibility, governance, and manner as may be specified by organization and operational conduct of the the Authority in Schedule V. entity which gets selected as Trustee Bank. i) The pension fund shall adopt best Regulations would ensure an effective and governance practices for investments credible use of inspection, investigation, and risk management viz. constitution surveillance and enforcement powers and of Investment Committee and Risk implementation of an efficient compliance Committee, its composition, functions, program in tune with the spirit of PFRDA policy contents and other like matters Act as specified in Schedule X. i) Trustee Bank: Axis Bank Ltd. has been j) The pension fund shall prevent appointed as Trustee Bank under NPS, conflict of interests that may arise in response to the Request for Proposal while discharging the obligations as (RFP) dated 12th October 2020 issued a pension fund and reporting of such by PFRDA for selection of Trustee instances to the National Pension 115Part III Bank under PFRDA (Trustee Bank) the Authority as per regulation 13 of Regulations, 2015 and amendments PFRDA (Trustee Bank) Regulations thereto. 2015 and amendments thereto. The Certificate of Registration issued A service level agreement (SLA) has to Axis Bank as NPS Trustee Bank been executed by NPS Trust with w.e.f. 8th January 2021 and is valid for Trustee Bank in line with the provision a period of five years from the date of RFP dated 12.10.2020 and PFRDA of grant of certificate of registration (Trustee Bank) Regulations, 2015 and and extension granted thereto, amendments thereto as well as Circular unless suspended or cancelled by and guidelines issued under it. The following diagram depicts the role of Trustee Bank in the NPS architecture: Chart 3.11: NPS architecture and intermediaries 116Annual Report-2021-22 Roles and responsibilities of Trustee Bank Agreement, where applicable, with the National Pension System Trust 1. Trustee Bank facilitates fund transfers and other intermediaries under the across various entities of CRA system schemes regulated or administered by viz. Nodal Offices (uploading offices), the Authority. Pension Fund Managers, Annuity Service Providers and subscribers. 3. Trustee Bank establishes an interface and works in total co-operation 2. Trustee Bank uploads a file containing and co-ordination with the other the details of the funds received from intermediaries appointed under the various Nodal Offices to the CRA National Pension System. system. These details are then matched with contribution details provided by 4. Trustee Bank takes all reasonable steps Nodal Office(s) to CRA system. and exercises due diligence to ensure that the banking facilities provided 3. Trustee Bank receives fund transfer are not contrary to the provisions instructions from CRA system as a of PFRDA/NPS Trust guidelines/ part of Pay-in process to transfer funds directions and the rights and interests to various entities viz. PFMs, Annuity of the subscribers are protected. Providers, withdrawal Account and may also receive funds from Pension 5. Trustee Bank accounts are on behalf Fund Manager(s). of the NPS subscribers, and opened in the name of the NPS Trust. The NPS 4. Return of unidentified remittances Trust is registered owner of these or remittances with incomplete funds. However, individual NPS information to the concerned entity. subscribers shall remain beneficial 5. At the end of each settlement day, the owners of these funds. The NPS Trust balance funds at Trustee Bank account is exempted from payment of income are reconciled with CRA system. tax as per Section 10(44) of IT Act, 1961. Followings are the important roles and functions of NPS Trustee Bank: 6. Trustee Bank carries out banking functions for the funds under the 1. Trustee Bank provides banking NPS as per guidelines/ notifications/ facilities as directed by NPS Trust directions issued by PFRDA and under the prescribed regulations, operational Service Level Agreement guidelines, circulars and directions of executed with NPS Trust and Standard the Authority. Operating Procedures issued by NPS 2. Trustee Bank signs the required Service Trust based on PFRDA’s guidelines. Level Agreement and Non- disclosure 7. Trustee Bank is responsible for the 117Part III day-to-day flow of Funds. or agents of PFRDA, NPS Trust, RBI, and their respective auditors. 8. Trustee Bank transmits the information pertaining to the NPS funds available 13. Trustee Bank submits the following with it and instructions to the CRA(s) Periodic reports with PFRDA/NPS on a regular basis. Trust– 9. Trustee Bank provides web-based a) Extracts of Internal audit report access to the NPS Trust, PFRDA, from independent auditors CRA(s) and other service providers. with respect to the NPS Trust Accounts, compliance certificates 10. Trustee Bank adapts to future changes and subscriber complaints reports including changes on account of at regular intervals. technology advancements, changes in system specifications including b) Concurrent audit report number of subscribers, number of submitted every quarter. schemes, and services and functional c) External audit report of all the obligations prescribed by PFRDA/ NPS accounts maintained with NPS Trust. the Trustee Bank submitted 11. Trustee Bank maintains books and annually. records about the funds flow and 14. Trustee Bank shall be responsible for information flow between NPS Trustee the acts of commissions or omissions Bank, CRA(s), subscribers, Pension by its employees or the persons whose Fund, etc. to ensure compliance with services have been procured by NPS the guidelines, and submits regular Trustee Bank. reports at such intervals and in such manner as may be required or called ii) Timelines for Trustee Bank for by PFRDA/NPS Trust. The business activities of Trustee Bank are 12. Trustee Bank is expected to comply linked with the other processes at CRA. with the disclosure requirements Therefore, bank ensures that the activities and the code of conduct specified by are completed within the timelines PFRDA/ NPS Trust and other financial specified. The chart given below gives the sector regulators from time to time. basic idea of the core activities and time The books and records related to the limit within which the same is carried out Trust accounts shall be available for by the Bank: inspection to the authorized officers 118Annual Report-2021-22 Table No. 3.48 : Core activities of the Trustee Bank with timelines Sr. No Nature of activity Cut off time* Day* 1. Fund realization at TB - T 2. Return of unidentified Funds - T+1 3. Upload of fund receipt i) For Normal FRC: By 9.15 am confirmation file on T+1 day (for cleared funds received on day T) ii) For D-Remit FRC: By 10.30 am on T day (for cleared funds received between 09:30:01 am on T and 09:30:00 am on day T+1); Daily 4. Download instruction files - Daily 5. Cut off time for Confirmation i) PF transaction processing:1.30 Daily of transfer of Funds to PFs and PM withdrawal account ii) WAC file processing: End of the Day 6. Transfer of M&B Funds to PFs - T+1 7. Upload of statements and - Daily closing balance of various Accounts *Noncompliance with the timelines as specified by the Authority may attract penal provisions as may be specified from time to time. The present applicable rate of penal provision for non-compliance in timelines is RBI Repo plus two per cent per annum payable as compensation. The compensation amount shall be credited directly to Authority. to the individual PRAN of the subscriber iii) Direct Remittance (D-Remit): if the amount is more than Rs. 50/- and would be credited to SEPF account if it is In order to facilitate the subscriber make less than Rs. 50/- regular contributions at a low cost, PFRDA has introduced an additional option/mode Regulatory Fee : Trustee Bank shall deposit of contribution namely Direct remittance an annual fee at Repo Rate calculated as a (D-Remit) wherein existing NPS subscribers percentage per annum on the consolidated under Government/Non-Government/ balances of all the NPS Trust accounts All citizen model would be able to deposit within 15 days from the end of the quarter, their voluntarily contributions by creating this is valid for entire duration of the a virtual id linked to their permanent registration period and any extension retirement account number (PRAN). granted thereto, paid on quarterly basis D-Remit has not only eased the mode 119Part III of deposit of voluntary contribution but reduce the timeline of investment from also optimized the investment return T+2 to T (for contributions made before a by providing the same day NAV on the threshold time) or T+1. Immediate Payment investment if contribution is received by System (IMPS) facility for accepting Trustee Bank within prescribed cutoff time. contributions under D remit. The subscribers can now put a standing Only NEFT and RTGS was accepted as instruction in their Netbanking account mode of contribution. Now, IMPS facility which will directly remit the contribution has also been enabled under D Remit, into their PRAN accounts. It would also the same will help subscribers to transfer amount under IMPS and avail same day NAV. Table No. 3.49: Closing Balance (in Cr.)-Trend during FY 2021-22 Months Protean CRA KFINTECH CAMS CRA Grand Total CRA Apr-21 17,657 251 0 17,907 May-21 14,811 217 0 15,029 Jun-21 13,535 215 0 13,751 Jul-21 16,035 200 0 16,236 Aug-21 12,377 214 0 12,592 Sep-21 17,527 284 0 17,811 Oct-21 19,993 227 0 20,220 Nov-21 17,231 262 0 17,493 Dec-21 18,272 243 0 18,515 Jan-22 18,652 408 0 19,060 Feb-22 18,325 338 0 18,663 Mar-22 23,435 531 1 23,966 (Source – Trustee Bank) “Custodial services” means safekeeping of securities or assets held under the National 3.14.7 The Custodian under the National Pension System or any other pension Pension System scheme and providing services incidental thereto and includes - Custodian of Securities” means an entity which has been granted a certificate of (i) maintaining accounts of securities or registration under sub-section (3) of section assets held; 27 of the Act by the Authority as a custodian (ii) undertaking activities as a Domestic of securities for the purpose of providing Depository in terms of the Depositories custodial and depository participant Act, 1996 (22 of 1996) or as permitted services for the pension schemes regulated by the Securities and Exchange Board by the Authority. of India; 120Annual Report-2021-22 (iii) collecting the benefits or rights (4) The custodian of securities shall accruing on the securities or assets; ensure at all times that transactions in the pension schemes accounts are put (iv) informing about the actions taken or to through according to the instructions be taken by the issuer of the securities, of the pension fund or the National having a bearing on the benefits or Pension System Trust and the rights accruing on the securities or securities held in such accounts are assets held; and used only for transactions explicitly (v) maintaining and reconciling records of authorised by the pension fund or the the services referred to in sub-clauses National Pension System Trust. (i(to )iv) (5) The custodian of securities shall Presently, the Stock Holding Corporation ensure at all times that, the securities of India (SHCIL) is acting as Custodian of held on behalf of the National Pension Securities. System Trust are separate and clearly segregated in its books from its own General obligations of Custodian of holdings, other client accounts and Securities separated from all other activities. The As per the Regulation no. 19 of the PFRDA custodian of securities shall open a (Custodian of Securities) Regulations, separate custody account for pension 2015, general obligations of Custodian of schemes regulated by the Authority Securities are listed below: and in accordance with the manner specified for registration of securities. (1) The custodian of securities shall exercise at all times reasonable care, (6) The custodian of securities shall ensure prudence, professional skill and that all the rights or entitlements on diligence while discharging its duties the securities held in its custody for in the best interest of the subscribers. pension schemes or the National Pension System Trust are received on (2) The custodian of securities shall time and in the manner specified by facilitate adequate infrastructure the Authority or the National Pension information technology, systems System Trust. and procedures that are required for enabling it to co-ordinate with other (7) The custodian of securities shall intermediaries and entities and adapt ensure that the individual holdings to future changes including changes on of securities in the pension scheme account of technology advancements, accounts are reconciled with the changes in system specifications and depository holdings and Constituents’ services and undertake functional Subsidiary General Ledger (CSGL) obligations specified by the Authority. account at the end of the day. (3) The custodian of securities shall take (8) The custodian of securities shall be all necessary precautions to ensure that continuously accountable for the continuity of the record keeping is not movement of securities in and out lost or destroyed and that sufficient of the pension scheme accounts and back up of records are available. shall provide complete audit trail 121Part III whenever called for by the Authority The custodian of securities shall not or the National Pension System Trust. convert the securities in any manner without the approval of the Authority (9) The custodian of securities shall or the National Pension System Trust. create and maintain the records of securities held in its custody in such (14) The custodian of securities shall manner that the tracing of securities or transmit such reports and statements obtaining duplicate of the documents to the pension fund or the National is facilitated, in the event of loss of Pension System Trust or the Authority original records for any reason. or to such other intermediaries at such periodic intervals as may be specified (10) The custodian of securities shall by the Authority from time to time or ensure that the securities handled by as specified in the agreements it under the National Pension System, or any pension scheme regulated by (15) The custodian of securities shall the Authority are adequately insured. maintain proper books of accounts, registers, records, documents and (11) The custodian of securities shall have have adequate mechanisms for the adequate systems for internal controls purposes of reviewing, monitoring, to prevent any manipulation of records and evaluating the custodian’s and documents including audits for controls, systems, procedures, and securities and rights or entitlements safeguards. arising from the securities held under this agreement. The custodian (16) The custodian of securities shall have of securities shall have appropriate its books of accounts audited quarterly safekeeping measures to ensure that by an internal auditor and submit an such securities (assets or documents) extract thereof relating to the assets are protected from theft or natural or business of the pension funds to hazard. the Authority or the National Pension System Trust, as specified, within (12) The custodian of securities shall not be thirty days from the date of audit. entitled to setting off securities held in the pension scheme accounts regulated (17) The custodian of securities shall by the Authority or otherwise deal adhere to all applicable rules, with them to extinguish partly or regulations, circulars, or guidelines fully any amounts due to it from the framed, recommended, mandated pension fund or the National Pension by any regulator, authority, clearing System Trust without the prior consent corporation, exchange or depository in writing from the Authority or the for various functions or services National Pension System Trust. offerings to the National Pension System Trust. (13) The custodian of securities shall not encumber the securities in any manner 3.14.8 The National Pension System Trust including by an act of pledging, hypothecating, or creating any The NPS Trust was established in terms charge or lien on the said securities. of the Central Government letter D.O. No 122Annual Report-2021-22 5(75)/2006-ECB & PR dated 24th April S.N. Name Designation 2007. The NPS Trust Deed was executed by 7 Sh. Radhakrishnan Trustee PFRDA place on 27th February, 2008 with Nair PFRDA being the Settlor of the Trust. 8. Sh Sanjeev Chanana Trustee As per section 2(1)(j) of PFRDA Act 2013 9. Sh. Suraj Bhan Trustee “National Pension System Trust” means 10. Sh. Y Venkata Rao Trustee the Board of Trustees who hold the assets of 11. Ms. Chitra Jayasimha Trustee subscribers for their benefit; The NPS Trust has been set up and constituted to hold (B) Management of NPS & APY Funds by the assets and funds under the NPS for the the NPS Trust benefit of the beneficiaries (subscribers), The NPS & APY funds of subscribers held it is also holding assets of APY. Trustees in the name of NPS Trust are managed have the legal ownership of the Trust Fund, by PFRDA appointed Pension Funds, on the general superintendence, direction & behalf of the Board of Trustees to realize management of the affairs of the Trust, and fulfil the objectives of the NPS Trust and all powers, authorities and discretions in the interest of the Subscribers. The appurtenant to or incidental to the purpose performance of the Pension Funds is of the Trust absolutely vest in the Trustees, monitored on a regular basis and quarterly subject nevertheless to the provision of the information is submitted to the NPS Trust PFRDA Act-2013, Indian Trust Act – 1882, Board, and instructions/guidance is given NPS Trust Deed and further subject to such to them for protecting the interest of the directions or guidelines that may be issued subscribers. by PFRDA from time to time. However, the beneficial interest shall always vest with (C) NPS Trust fee/charges the beneficiaries of the NPS Trust. NPS Trust is empowered for monitoring, The details of the Trustees of NPS Trust evaluation and coordination of Pension Board as on March 31, 2022 is provided in Funds, Trustee bank and Custodian on a Table regular basis and it is a self-sufficient entity with a regular stream of revenue. The fee/ Table No. 3.50:The details of the Trustees of charges of NPS Trust has been approved NPS Trust Board as on March 31, 2022 by the Board of PFRDA and it is @0.005% per annum of Asset Under Management S.N. Name Designation (AUM) on a daily accrual basis. 1 Sh. Atanu Sen Chairman & Trustee (D) Appointment and extension of tenure 2 Sh. Sudhir Shyam Trustee As per guidelines for appointment of 3 Sh. Ruchir Mittal Trustee Trustees dated 12.01.2018 under PFRDA 4 Dr. P.C. Jaffer Trustee (NPS Trust) Regulations, 2015 and 5 Sh. J K Sharma Trustee amendments thereunder, two Trustees are 6 Sh. Dinesh Kumar Trustee to be nominated by State Governments Mehrotra such that initial preference shall be given to such State that has the maximum 123Part III subscribers under NPS, followed by a State were examined in light of the emerging with maximum assets under management changes in the roles and responsibilities of under NPS. The tenure of trustees is of 3 NPS Trust, as per which NPS Trust may years only and thereafter should be rotated primarily be responsible for the monitoring between State Governments, such that of activities of the pension funds, custodian, each State Government is represented over Trustee Bank and exits & withdrawals some time. Also, two Trustees are to be functions of CRA. nominated by Central Government (one In view of the above, PFRDA (NPS Trust) through DFS and one through DoPPW) (Amendment) Regulation, 2021 was from amongst Central Government notified w.e.f 14.06.2021. The highlights Departments/CABs. During the financial of the major changes and rationale are as year, following appointments/extensions below- to the existing tenure of Trustee, NPS Trust was made. – Rationale: Appointment- 1. Introduction of “Definition of Assets of NPS Trust”. • Shri. Sudhir Shyam (Nominated by DFS, Ministry of Finance, Govt. of 2. The name Companies Act 1956 was India) replaced with Companies Act 2013, wherever applicable. • Shri. Ruchir Mittal (Nominated by DoPPW, Ministry of Personnel, Public 3. NPS Trust is required to maintain Grievances and Pensions, Govt. of confidentiality in all cases and not India) only for third parties. • Dr. P.C. Jaffer – Trustee (Nominated 4. Intermediaries, with which NPS Trust by State Govt. of Karnataka) shall monitor were defined/functions of NPS Trust were restricted/specified • Shri J.K. Sharma – Trustee (Nominated only for pension funds, trustee bank, by State Govt. of Madhya Pradesh) custodian, and central recordkeeping Extension of tenure- agencies for exits and withdrawals related function. • Shri Suraj Bhan 5. Removal of NPS Trust as a nodal point (E) Regulations and Amendments: for co-ordination of the operations of all intermediaries. It is restricted For the establishment, duties, and to pension funds, trustee banks, functioning of the National Pension custodian and central recordkeeping System Trust, the regulatory framework of agencies for exits and withdrawals- PFRDA (NPS Trust) Regulation 2015 and related function. amendments thereto have been notified by Authority and guidelines, circulars 6. Introduction of new provisions to etc issued from time to time. During the take care of collection of fee and financial year, the PFRDA (NPS Trust) reimbursement of expenses by NPS Regulations, 2015 and amendments thereto Trust. 124Annual Report-2021-22 7. Introduction of the maximum age of retirement quality intermediation to market the Trustee kept at 70 in sync with participants. guidelines issued for appointment of Taking into account international trustees. experience and the needs of the Indian 8. NPS Trust shall not be required to system of organised and unorganised conduct due diligence and vigilance workers, with a view to protecting the activities of POP and Aggregator. interests of retiring population and more importantly, for minimising risks of losses 9. Provision introduced for extension arising out of deficient understanding of in timelines for submission of annual the various options in the returns from periodicals. the NPS, PFRDA has accredited National Institute of Securities Markets (NISM) as 10. Clarifications in case of certain the accredited institute for Certification provisions under regulation. of the Retirement Adviser Certification 3.14.9 Retirement Advisor Examination. The Retirement Advisers (RAs) are With the objective to provide a framework appointed by PFRDA to engage in the for eligibility, registration process, fees activity of providing advice on NPS thereby etc. of Retirement Adviser and to define to extend the reach of NPS. The RAs can be the scope of work and responsibility of an individual, registered partnership firm, the Retirement Adviser to ensure orderly body corporate, or any registered Trust growth of pension sector, Pension Fund or society. The online platform has been Regulatory and Development Authority developed and released in the CRA system (Retirement Adviser) Regulations, 2016 to facilitate registration of an individual/ were notified by PFRDA. entity as RA. 3.14.10 Other functions carried out by the With shift in the design of pension systems Authority in the area of Pensions from defined-benefit plans to defined- 1. TARCH contribution plans where individuals need to make financial decisions and Technology Architecture (TARCH) of bear greater financial risk, selection of PFRDA has been strategized in partnership an appropriate investment pattern is with the Business Strategic Management crucial for the pension plan participants. Consultant. TARCH has been designed India, considered to be low in financial after wide consultation with all stakeholder literacy, demonstrates a tangible need for towards transforming the use of technology financial advice with respect to retirement in PFRDA. TARCH involves 4 major decisions. Retirement advisors are playing modules – Data Analysis, REGTECH and an important role in guiding and helping SUPTECH, Internal Digitalization and consumers to have a better understanding Investor Awareness. of investment and pay-out options. This necessitates development of a pool of a. PFRDA has Invited Expression of human resources having right skills and Interest from System Integrators expertise in retirement advice and choosing for the Design, Development/ appropriate pension/savings product for Customisation, Implementation and 125Part III Maintenance of PFRDA Technology as other intermediaries in NPS. Architecture. 5. Monitored and reviewed Information b. Technical Advisory Committee Cyber Security Compliance, to ensure has been constituted with external that the compliance of Cyber Security experts for guidance and inputs for Policy of the Intermediaries and implementation of Project TARCH. Quarterly Compliance. It has been improved performance and security 2. NPP posture of the NPS systems. NPS Prosperity Planner has been 6. Review of Cyber Security Policy conceptualised with the objective of nudging the subscribers to enhance their With commonality of Work from Home contribution. This is a customised module to and increasing proliferation of emerging be built into the CRA login of subscribers to technologies, the cyber threat scenario bring about an attitudinal change towards has been evolving. Taking cognisance of NPS being considered as ‘Old age income’ this, - PFRDA is engaged in revision of the planning instrument rather than as a ‘Tax Cyber Security Policy for Internal (PFRDA) Saving’ Instrument. and Intermediaries (Regulated entities) to strengthen the Cyber Security Posture. The 3. Development of Ombudsman objective is to give primacy for proactive E-Appeal portal and preventive policy measures. To facilitate ease of filing Ombudsman 7. Cloud Adoption Guidelines appeal for subscribers and ensure a robust grievance redressal process, the Cloud adoption is fast becoming the norm E-Appeal Module is being developed across the Finance Sector, and same is which will incorporated onto the website reflected in the NPS Intermediaries, with of PFRDA. The module will have a user- increasing requests for migration to Cloud. friendly interface and provide an MIS for Considering the challenges foreseen with Ombudsman to track and respond to the adoption of cloud and to facilitate adoption appeals. of technology with requisite caution, PFRDA is working on development 4. UI/UX and Application Performance of Cloud Adoption Guidelines for the Audit Regulated entities. With the objective of making NPS user 8. Session on Emerging Technologies interface attractive and easy for the from Renowned Speakers subscribers, UI/UX and application performance audit is being planned. PFRDA in partnership with leading This audit will encompass all the digital institutions such as CERT-In organised modules and interfaces provided by Cyber Security Awareness Training CRA. As CRA are central node for the for officers of PFRDA through Game NPS Architecture, it is envisaged that based Simulation Module of Kaspersky. enhancing the performance and quality Also, session on Cloud Technology of CRA modules will improve the overall were organised for officers of PFRDA user experience of the subscribers as well by engaging Amazon Web Services and 126Annual Report-2021-22 Google Cloud for enriching knowledge used by fraudsters. The notice on the Cloud platforms, their concept also provides information on and working. The experts were invited the grievance redressal avenues as speakers for delivering lectures on available in case of cyber frauds. emerging technologies. 12. Identification and Assessment of 9. SLA Review of CRAs CRA and PFs as the National Critical Information Infrastructure in PFRDA Initiative has been taken to review the regulated NPS System. Service Level Agreements of Central Record Keeping agencies, to update the 13. Disaster Recovery Drills of the CRA’s SLAs to include Change Management, has increased the resilience capability Incident management etc. to ensure of CRA systems based on the periodic prompt development of modules, redressal advisory from PFRDA. of issues in performance of the modules in 14. Implementation of Cyber Security:- timely manner and ensure efficient service. Standing Committee will advise on 10. SAMPARK Information Systems, Technology & cyber security issues, development NICSI’s SAMPARK SMS Communication of Management Information Systems services have been engaged to send (MIS), Supervisory and Regulatory messaged in the name of PFRDA under the platforms, new opportunities and sender ID ‘PFRDAI.’ Under this initiative, challenges of Financial Technologies, many subscribers’ awareness messages Regulatory Technologies, strengthen have been communicated. SAMPARK has the processes of cyber security/ also been used for conducting APY surveys system/information security audit of by messaging to the target subscribers with PFRDA and intermediaries under the the links to the surveys. With the aid of NPS architecture. the messaging platform, PFRDA has been able to increase participation of subscribers o PFRDA has re-constituted in Annuity Literacy Programs (ALPs) by a Standing Committee on sending upto date information promptly. Information, Systems & Technology and Cyber Security 11. Subscriber Awareness (IST&CS) and renamed “Pension Fintech Innovation a. Pension Cyber Spotlight – Volume & Development, Information 2 on the theme of ‘Cyber Security Infrastructure and Cyber Awareness’ was released to equip Security” to keep an eye on the readers with knowledge on rapid technological changes and Cyber threats such as Phishing cyber risk and its effect on the and Mobile Device Security. financial sector to safeguard the b. Revised Notice on Caution subscribers’ interest. PFRDA has Against Frauds was released also created two departments towards equipping general for Information and Cyber public with requisite awareness Security, i.e., Information and on various modus operandi Cyber Security – Internal and 127Part III Information and Cyber Security have increased CRA systems’ – External, to manage all resilience capability based on the information and Cyber Security periodic advisory from PFRDA. related to Internal and External o Cloud adoption is fast becoming Cyber Security Policies and Issues the norm across the Finance Sector, in NPS architecture. and the same is reflected in the NPS o PFRDA, in partnership with Intermediaries, with increasing leading institutions such as requests for migration to the CERT-In, organized Cyber cloud. Considering the challenges Security Awareness Training for foreseen with adopting the cloud officers of PFRDA through the and facilitating the adoption Game-based Simulation Module of technology with requisite of Kaspersky. Also, a session on caution, PFRDA has assessed the Cloud Technology was organized network infrastructure plans of for officers of PFRDA by engaging the intermediaries to ensure the Cloud Service Providers to secured operation of the NPS. enrich knowledge on the Cloud o PFRDA is engaged in discussion platforms, their concepts, and with NCIIPC to assess and their work. PFRDA organized an classify the critical intermediaries information security awareness among Central Record Keeping session in collaboration with an Agencies and Pension Funds as expert from ISEA. National Critical Information o PFRDA undertakes new infrastructures. initiatives in the field of o PFRDA also participated in cybersecurity include and the various cybersecurity- new projects including Project related committees, such as TARCH, the development of the Inter-Regulatory meetings on Ombudsman E-Appeal Portal, Information and Cyber Security, and NPS Prosperity Planner working group on Cyber security o PFRDA monitors and reviews and Mobile vulnerability, and Information Cyber Security provided technical inputs for Compliance to ensure compliance improving the financial sector with the Cyber Security Policy of on Emerging technologies such the Intermediaries and Quarterly as Block Chain, IoT, Artificial Compliance. It has improved Intelligence, Machine Learning, the performance and security FinTech, SupTech, RegTech, etc., posture of the NPS systems. 15. Fintech through Regulatory Sandbox: Cyber / IT Audit: Cyber Security - In financial sector there has been Audit reports of intermediaries huge shift due to technological of PFRDA were reviewed to advancements and innovations. A ensure maximum protection to regulatory sandbox is a framework set NPS against Cyber threats. The up by a regulator that allows FinTech CRA’s Disaster Recovery Drills 128Annual Report-2021-22 start-ups and other innovators o * IoRS is a mechanism to facilitate to conduct live experiments in a testing of innovative hybrid controlled environment under a financial products / services regulator’s supervision. In view of falling within the regulatory above, PFRDA is a member of IRTG- ambit of more than one financial IORS and submitted application sector regulator. To obviate the to become a member of GFIN to need of innovators, to engage with promote the development of Financial different regulators regarding Technology (Fin Tech) for pension their hybrid product, a common sector in a safe and controlled window may be made available. environment. All regulators shall publish details of the IoRS on their website and o IRTG-IORS: Financial Stability give wide publicity as well. & Development Council Sub- Committee (FSDC-SC) had • GFIN: - The Global Financial approved setting up of an Inter Innovation Network (‘GFIN’) Regulatory Technical Group on formally launched in January 2019 FinTech (IRTG on FinTech), to by an international group of financial facilitate inter-regulatory co- regulators and related organisations, ordination among the financial including the Financial Conduct sector regulators on FinTech Authority (‘FCA’). The GFIN is related issues. overseen by the Coordination Group which is currently being chaired by the o The IRTG on FinTech have FCA. The GFIN is a network of more representation from other than 60 organisations committed to financial sector regulators, viz., supporting financial innovation in the Securities and Exchange Board of interests of consumers. India (SEBI), Insurance Regulatory and Development Authority of o The GFIN seeks to provide a India (IRDA) and Pension Fund more efficient way for innovative Regulatory and Development firms to interact with regulators, Authority (PFRDA) along with helping them navigate between one representative each from countries as they look to scale new Department of Economic Affairs ideas. This includes the ability to (DEA), Ministry of Finance conduct a cross-border test – a (MoF) and Ministry of Electronics solution for firms wishing to test and Information Technology innovative products, services, (MEITY), Government of India. or business models across more than one jurisdiction. It also aims o The group held meetings to to create a new framework for discuss/deliberate the terms of co-operation between financial reference and finalization the services regulators on innovation Inter-Operable RS* mechanism related topics, sharing different for hybrid products /services experiences and approaches. to facilitate framing of Standard Operating Procedure (SOP). 129Part IV Part IV 4.1 Functioning of Pension Advisory 1. Minutes of 16th PAC Meeting Committee 2. ATR on Minutes of 16th PAC Meeting Section 45 of PFRDA Act provides for 3. Review of fee/charge structure for constitution of a Pension Advisory Points of Presence under NPS Private Committee (PAC) with representations Sector from employees, associations, subscribers, commerce & industry, intermediaries and 4. Change in asset allocation by NPS organizations engaged in pension research subscribers to advise the Authority on matter relating to the making of regulations or as may be 4.2 Regulations made or Amended referred to it. During the financial year 2021- 22, the sixteenth (16th) and seventeenth The information pertaining to Regulatory (17th) Pension Advisory Committee development during FY 2021-22 is as under: Meetings were held on 11th August, 2021 Following amendments have been notified and 4th January 2022 respectively at New during FY 2021-22: Delhi. Table No. 4.1 : Amendments The following agenda items were taken up for discussion in sixteenth (16th) meeting S. Amendment Date of of the PAC held on 11th August, 2021: No. Gazette 1. Minutes of 15th PAC Meeting Notification 1. Pension Fund December 28, 2. Action Taken Report on Minutes of Regulatory and 2021 15th PAC Meeting Development Authority (Exits 3. Active choice of Asset Class E (Equity) And Withdrawals under NPS Private Sector Under the National Pension System) 4. Review of fee/charge structure for (Second Amendment) Points of Presence under NPS Private Regulations, 2021 Sector 2. Pension Fund September 5. Appointment/Empanelment of Regulatory and 22, 2021 ‘Resource Person’ by PFRDA Development Authority (Custodian 6. Proposed Amendment in Pension of Securities) Fund Regulatory and Development (Amendment) Authority (Subscriber Education and Regulations, 2021 Protection Fund) Regulations, 2015 3. Pension Fund July 15, 2021 Regulatory and 7. Performance of Atal Pension Yojana Development (APY) Authority (Pension The following agenda items were taken up Fund) (Sixth for discussion in seventeenth (17th) meeting Amendment) of the PAC held on 4th January 2022: Regulations, 2021 130Annual Report-2021-22 S. Amendment Date of S. Amendment Date of No. Gazette No. Gazette Notification Notification 4. Pension Fund June 14, 2021 10. Pension Fund March 24, Regulatory and Regulatory and 2021 Development Development Authority (Point Authority (Employees’ of Presence) Service) Regulations, (Amendment) 2021 Regulations, 2021 4.3 Constitution of Committee for 5. Pension Fund June 14, 2021 Regulatory and utilization of Subscriber Education and Development Protection Fund. Authority (National As per Regulation 6 (1) of PFRDA Pension System Trust) (Amendment) (Subscriber Education and Protection Fund), Regulations, 2021 Regulations, 2015, The Authority shall 6. Pension Fund June 14,2021 constitute a committee for recommending Regulatory and subscriber education, awareness and Development protection activities and for utilisation of Authority (Exit and the Fund. Withdrawals Under the National Pension Further, as per Regulation 6(2) The System) (Amendment) committee shall consist of the following Regulations, 2021 members, namely:— 7. Pension Fund June 14,2021 Regulatory and (a) the Executive Director of the Authority Development who shall be the convener of the Authority (Central committee; Recordkeeping Agency) (b) two other officials of the Authority; (Amendment) Regulations, 2021 (c) five other members who have expertise 8. Pension Fund May 25, 2021 in financial market and experience Regulatory and in matters of subscriber grievance Development redressal or subscriber education. Authority (Pension Fund) (Fifth Accordingly, the committee was re- Amendment) constituted on October 06, 2021, the Regulations, 2021 Committee shall recommend utilization of 9. Pension Fund March 31, funds for subscribers’ education, awareness Regulatory and 2021 and protection. Development Authority (Pension Fund) (Fourth Amendment) Regulations, 2021 131Part IV Following is the composition of the committee: S.No. Name & Designation Organization Internal Members 1. Shri A. G. Das, Executive Director, PFRDA Convener of the committee 2. Shri Venkateswarlu Peri, CGM, PFRDA Member 3. Shri Ashish Bharti, GM, PFRDA Member External Member 4. Shri Ujjwal Kumar Ghosh, IAS, Commissioner, Govt of Karnataka Department of Treasuries. 5. Shri Sushil Pal, Chief Controller of Accounts Ministry of Home Affairs 6. Prof Partha Ray, Director. NIBM 7. Shri Satyajit Dwivedi, CEO. NCFE 8. Shri Vivek Krishna Sinha, CGM. NABARD The SEPF committee meeting was held on Technology and Cyber Security in August 24th December, 2021, wherein committee 2018 with a view to keep an eye on rapid members had discussed the terms of technological change and its effect on the reference, status of SEPF accounts and financial sector in order to safeguard the activities and plan to be undertaken for subscribers’ interest. The terms of reference increasing the awareness of NPS. of the said committee are to advise on Information Systems, Technology & As per Regulation 5 (1) of PFRDA cyber security issues, development of (Subscriber Education and Protection Management Information Systems (MIS), Fund), Regulations, 2015, the Fund shall Supervisory and Regulatory platforms, new be utilised for the purpose of protection opportunities and challenges of Financial of subscribers’ interest and promotion of Technologies, Regulatory Technologies, subscribers’ education and awareness. strengthen the processes of cyber security/ Educational activities including seminars, system/information security audit of symposia, training, research and PFRDA and intermediaries under the NPS publications, aimed at subscribers across architecture. PFRDA has re-constituted different geographical locations including a Standing Committee on Information, metros, non-metros and smaller towns Systems & Technology and Cyber Security and sectors including unorganized sectors, (IST&CS) and renamed “Pension Fintech corporates, self-help groups and other. Innovation & Development, Information Infrastructure and Cyber Security” to keep 4.4 Standing Committee on Information an eye on rapid technological changes and Technology and Cyber Security in PFRDA cyber risk and its effect on the financial PFRDA has constituted a Standing sector to safeguard the subscribers’ interest. Committee on Information, Systems & 132Annual Report-2021-22 Part V Organizational Matters of the Pension Fund Regulatory and Development Authority 5.1 Constitution of the Authority of Personnel & Training (DoPT) from 16.01.2020 till 30.09.2021. Section 4 of the PFRDA Act provides for the composition of the Authority consisting 3. Shri Madnesh Kumar Mishra (IRS of a Chairperson, three whole-time 1990), Joint Secretary, Department of members; and three part-time members Financial Services, Ministry of Finance to be appointed by the Central Govt. The from 03.11.2017 till 31.08.2021. composition of the Authority were as 4. Ms. Vandita Kaul (IPoS 1989), Additional under: Secretary, Department of Financial (i) Chairperson Services, Ministry of Finance from 22.12.2021 till 31.03.2022. Shri Supratim Bandyopadhyay is the Chairperson. He joined PFRDA as 5.2 Meetings of the Authority Chairperson on 21st February 2020. Prior to During the financial year 2021-22, eight this, he was Whole Time Member (Finance)- (8) Meetings of the Authority were held as PFRDA from 12.03.2018 to 16.01.2020. Prior noted hereunder: to joining PFRDA, he has spent almost three and a half decades in the Insurance SL Authority Date of Meeting industry after joining LIC of India in the Meeting year 1985. 1. 95th Authority 06.04.2021 (ii) Whole-Time Members Meeting (Tuesday) and 07.04.2021 1. Shri Pramod Kumar Singh, Whole-Time (Wednesday) Member (Law) from 03.03.2020 till 2. 96th Authority By Circulation- date. Meeting 26.05.2021 2. Dr. Deepak Mohanty, Whole-Time (Wednesday) Member (Economics) from 01.09.2020 3. 97th Authority 30.06.2021 till date. Meeting (Wednesday) 4. 98th Authority 27.08.2021 3. Dr. Manoj Anand, Whole-Time Member Meeting (Friday) (Finance) from 01.10.2020 till date. 5. 99th Authority 09.11.2021 (iii) Part-Time Members Meeting (Tuesday) 6. 100th Authority 10.01.2022 1. Ms. Annie George Mathew (IA & AS Meeting (Monday) 1988), Additional Secretary (Pers), 7. 101st Authority By Circulation- Department of Expenditure from Meeting 14.02.2022 12.12.2014 till date. (Monday) 2. Ms. Sujata Chaturvedi (IAS 1989), 8. 102nd Authority 22.03.2022 Additional Secretary (in-charge of Meeting (Tuesday) Establishment Division), Department 133Part V 5.3 Staff Strength in PFRDA amongst the employees and also between employees and the management. A Chief As on 31st March, 2022, the regular staff General Manager grade officer has been strength of PFRDA is Seventy-Two (72) out nominated as Chairperson of the Staff of which Seventy (70) are in officer cadre, Welfare Committee. one (01) Junior Assistant & one (01) Staff Car Driver. 5.7 Training of employees in PFRDA 5.4 Functioning of SC/ST Cell and OBC During the financial year 2021-22, officers Cell in PFRDA. from different cadre were nominated by PFRDA for trainings/workshops on To implement Government instructions various subject areas like: on welfare of SC/ST/PWD employees, a cell has been set up in PFRDA. A Chief 1. Contract Management and Dispute General Manager grade officer (previously Resolution General Manager in FY 2021-22) has been 2. Building and Managing Corporate nominated as Liaison Officer for SCs/ Reputation, Crisis Communication, STs/PWDs. Further, a separate cell for Managing Stakeholders and Building welfare of OBCs has been set up. A General Executive Presence. Manager grade officer has been nominated as Liaison Officer for OBCs. Members of 3. Resilience & Rebound – Preparing for both the Cells meet with their respective journey towards $5 Tn Economy. Liaison Officers on quarterly basis to discuss welfare measures related to them 4. Online Training Programme on and the Human Resources Department Domestic Enquiry and Disciplinary facilitates the quarterly meeting. Action. 5.5 Committee for Prevention of Sexual 5. Emerging Cyber Security Practices Harassment at Workplace. 6. Managerial Leadership and Conflict An Internal Complaints Committee (ICC) Resolution for prevention of Sexual Harassment 7. Decision Making for Managerial at workplace is in place for receiving Effectiveness complaints, holding enquiry etc. in accordance with the Sexual Harassment 8. Preventive Vigilance of Women at Workplace (Prevention, Prohibition and Redressal) Act, 2013 and it 9. Leadership Development meets on quarterly basis. 10. Cyber Security and Risk Management 5.6 Staff Welfare Committee Orientation for Senior Leaders A Staff Welfare Committee has been 11. Digital and Social Media Strategies: constituted in PFRDA to identify and Driving Business Growth organize various staff welfare activities. 12. Online Training Programme on Cyber The Committee will help evolve measures Security for securing and preserving good relations 134Annual Report-2021-22 13. Communication Skills 4. Efforts are being made by the Authority to issue all the official 14. Prospective Change documents bilingually. 15. Decision Making for Managerial 5. All the computers of Authority are Effectiveness being enabled with Hindi typing and A total of 58 employees have received being equipped with Unicode font trainings across above mentioned subjects and Google Input facility. during the FY2021-22. 6. Letters received from the ‘d’ and ‘[k’ 5.8 Promotion of Official Language regions are being answered bilingually or in Hindi. 1. PFRDA endeavours to work regularly in Hindi to ensure compliance with the 7. Hindi RTIs, Parliamentary questions, Official Language Policy of the Government and Legislative questions are being of India. It is also committed to promoting replied to in Hindi. the use of official language in all official communications as per directions of the 8. Names, titles, and entries on registers Ministry of Home Affairs and Department and files are being made in Hindi of Financial Services, Ministry of Finance. also. Nameplates are also being made In FY 2021-22, appropriate steps were bilingual as well. initiated to ensure compliance with various 9. The activities related to the promotion requirements of the Rajbhasha Department. of prestigious Pension Schemes of the The details are given below: Government of India, i.e. National 1. PFRDA follows the guidelines Pension Scheme & Atal Pension and action plans received from the Yojana, and creating awareness among Department of Official Language, the public are being done in Hindi. Ministry of Home Affairs, and 2 Official Language Implementation Department of Financial Services, Committee Ministry of Finance. Official Language Implementation 2. In order to promote Hindi in the Committee has been constituted in Authority, the functions are carried out PFRDA with Executive Director being under the able guidance and directions the presiding officer. Every HoD of the respected Chairperson and is a member of this committee and the Executive Director (ED), with the secretarial duties are performed by help of the General Manager (Official Assistant Manager (Rajbhasha). The Language), Assistant Manager quarterly meetings of the committee (Official Language) and Hindi are organized during the year. In each Translator. meeting, the progress report of the 3. In compliance with Official Language previous meeting is discussed, and Policy, an Assistant Manager reviewed and action plans for the next (Rajbhasha) was appointed in quarter are prepared. February 2022. 135Part V 3. TOLIC (Town Official Language 2. Also, it has been decided to make Implementation Committee) the Pension Sanchay, PFRDA’s financial Literacy initiative, PFRDA consistently made efforts in FY bilingual. 2021-22 to take membership in Town Official Language Implementation 7. Hindi Diwas Samaaroh and Hindi Committee South Delhi-03. Fortnight Consequently, it got membership of During the year FY 2021-22, Hindi TOLIC in the first quarter of FY 2022- Fortnight was organized in the month 23. of September 2021. The main purpose 4. Management Information System, of this fortnight was to encourage Rajbhasha Department, Ministry of employees towards working in Hindi. Home Affairs 8. Logo of PFRDA Official Language Cell is making efforts to register the authority on As per provisions of the Official the Management Information System Language Act, the Logo of PFRDA has (MIS) portal of the Ministry of Home been made bilingual. Affairs. The information from different 5.9 Right to Information departments is being sought to submit the quarterly report on the Portal. There is a dedicated cell in PFRDA to implement the Right to Information Act, 5. Training for Officers 2005 (RTI Act). This Cell processes the i. A roster related to Hindi knowledge applications received under the Right to of officers has been prepared by Information Act, 2005 and works under the authority. Efforts are being Central Public Information Officer (CPIO). made to arrange targeted training As required under the RTI Act, PFRDA for officers on the basis of the has designated an officer as the Appellate roster. Authority (AA) with whom the appeals can be filed against an order of the CPIO. ii. A Hindi workshop was organized for the newly appointed Assistant As per RTI Act, any citizen can seek Managers in the authority. An information under RTI by making an Expert from Kendriya Hindi appropriate application in writing along Sansthan was invited to impart with the prescribed fees to the Central training in this workshop. Public Information Officer, Pension Fund Regulatory and Development Authority, iii. An online workshop was organized First Floor, Chhatrapati Shivaji Bhawan, in December 2021 for Hindi B-14/A, Qutab Institutional Area, New training of the officers. Delhi 110016 and/or can also file an RTI 6. PFRDA Website under RTI Act, 2005 on Online Portal available at www.pfrda.org.in. 1. PFRDA is engaged in making its website www.pfrda.org. During the financial year 2021-22, total 702 bilingual. (692 online and 10 offline)RTI Applications 136Annual Report-2021-22 and 49 First Appeals were received establishment expenses through its own inter-alia regarding contribution under resources. PFRDA received grant from National Pension System (NPS), opening Govt of India towards Atal Pension Yojana of individual pension account, transfer, only. The Atal Pension Yojna (APY) was withdrawal & exit under NPS, APY scheme announced in the budget speech for the etc. All the applications and appeals were FY 2015-16. This pension scheme is meant replied/disposed of within the stipulated for all citizens in the age group of 18-40 time as prescribed under RTI Act, 2005. years, with a focus on persons belonging to unorganized sector. All subscribers under Section 4 of the RTI Act casts an obligation NPS Lite/ Swavalamban between the age on every public authority to make certain of 18-40 years are eligible to shift to Atal suo-moto disclosures on its website. PFRDA Pension Yojana. During the FY 2021-22, has also made such suo-moto disclosures PFRDA has received a grant of Rs. 203.00 on its website. The focus of the disclosure crores under APY towards incentive to is to improve the level of transparency in service providers and other promotional the working and functioning of PFRDA. In activities. this regard, information regarding various functions, powers and duties of PFRDA The annual statement of accounts of the & its officers etc. has been provided on Authority consisting of Balance Sheet as PFRDA’s website. Further, the PFRDA Act, on 31.03.2022, Income & Expenditure A/c rules and regulations made there under, and Receipt & Payment A/c for the period circulars and manuals issued by PFRDA 01.04.2021 to 31.03.2022, along with the are also available on the website. schedules have been finalized as per the Pension Fund Regulatory and Development 5.10 Parliamentary Questions Authority (Form of Annual Statement of Accounts and Records) Rules, 2015. These During 2021-22, PFRDA received around accounts were approved by the Board in 58 Parliamentary Questions referred by its 104th Board meeting held on 29.06.2022. the Government of India, mainly from the In accordance with the provisions of the Department of Financial Services (DFS), PFRDA Act, 2013, the same have been Ministry of Finance on various aspects audited by the Comptroller and Auditor related to the old age income security General of India (C&AG). comprising queries on NPS and APY. PFRDA has furnished information and The Separate Audit report of the C&AG on material for replies in a time bound manner the accounts of the Authority for the year for facilitating replies to the same to the ended 31.03.2022, and the comments of Parliament. the Authority are attached to the certified annual statement of accounts of the 5.11 Accounts of PFRDA Authority along with the Schedules, and During the financial year (FY) 2021-22, are placed at Appendix Annexure III. PFRDA met all its administrative and 137Part VI Part VI Any critical area adversely affecting the interest of subscribers 6. Some of the area affecting the in case of delays is determined by interest of the subscribers are as below: Head of Department. 6.1. Absence of enabling regulation 6.2. Age limit of 40 years for joining APY precludes the government nodal NPS Lite/Swavalamban which was started officers. for unprivileged unorganised sector • The delays in completion of various workers has been discontinued from NPS related activities by the Nodal w.e.f. April 2015. In place of NPS Lite/ offices is one of the major areas of Swavalamban scheme, Atal Pension Yojana concern, since such delays adversely (APY) was launched which provides impact the NPS corpus accumulation guaranteed benefits to the underlying and consequently the pension subscribers. Subscribers of NPS Lite receivable on superannuation by the scheme have been given option to migrate employee-subscribers. to APY. However, APY scheme allows entry of subscribers from 18 years to 40 • The Authority has been continuously years. Accordingly, potential subscribers flagging them to the concerned beyond 40 years of age who are currently Government Nodal offices and urging generating income are unable to join Atal them to take certain policy as well as Pension Yojana. Therefore, to make the operational measures, so as to bring scheme available to these people, the age of discipline in the implementation of eligibility may be considered for increase NPS in their underlying offices, in from 40 years to at least 50 years. order to protect the interest of the employee-subscribers. 6.3 Statutory obligations that the Authority has not complied • However, the absence of an enabling provision precludes the 6.3.1 Minimum Assured Return Scheme Government nodal officers (CG, SG (MARS) and Autonomous nodal offices) from Under sub-section 2(d)(b) of Section 20 being considered as intermediary as of PFRDA Act, the subscriber seeking per PFRDA Act 2013 and hence they minimum assured returns shall have an remain outside the purview of the option to invest his funds in such schemes penalty provision provided under providing minimum assured returns as Section 28 of the PFRDA Act 2013. may be notified by the Authority. However, • Further, it is mentioned that the CCS sub-section 2(g) of Sec 20 states that (Implementation of National Pension there shall not be any implicit or explicit System) Rules, 2021 as notified by assurance of benefits except market-based DoPPW vide notification dated guarantee mechanism to be purchased by 30.03.2021, lays down the General the subscriber. To provide the Minimum conditions of Implementation of NPS Assured Returns Scheme as envisaged under CG sector. The said rules, inter under PFRDA Act, a consultant has alia, mandates adherence to timelines been appointed for designing the MARS related to few NPS related activities, in consultation with PFRDA, PFs and however, the fixation of responsibility prospective subscribers. The MARS will be 138Annual Report-2021-22 offered by Pension Funds after obtaining deduction on employer contributions approval from the Authority. towards Recognized Provident Fund, Approved Superannuation Fund and 6.4 Taxation on employer contribution NPS has been capped at Rs 7.50 lakh beyond 10% of employee’s salary: and amount in excess of Rs 7.50 lakh • Central Government had increased is treated as taxable perquisite in the the employer NPS contribution from hands of an employee u/s 17(2)(vii) of 10% to 14% effective from 1st April Income Tax Act. Further, the annual 2019. Subsequently various State accretion on such excess contributions Governments, Autonomous Bodies (if any) is also treated as taxable and PSBs/PSUs have also increased perquisite in the hands of an employee the employer NPS contribution u/s 17(2) (viia) of Income Tax Act. for their employees at par Central • As NPS investments are market Government. linked, the gains/losses depicted in an • The increased employer NPS individual’s pension account (NPS) are contribution was exempted for notional until realized and therefore Central Government employees under taxation of notional gains may not be 80CCD (2). In the Union Budget 2022- appropriate for NPS subscribers. 2023, this exemption was extended 6.6 Tier-II Tax Saver with tax benefit of 80C to State Government employees also. restricted only to Central Govt. employees However, for employees other than Central and State Governments, the Government has notified National Pension employer contributions in excess of Scheme Tier II- Tax Saver Scheme (NPS TTS 10% of salary is taxable in the hands of Scheme) in July 2020 which has tax benefits the employees which currently impacts on contributions u/s 80C of Income Tax employees of PSBs/PSUs constituting Act (subject to lock-in period of 3 years) more 7 lakh NPS subscribers. only for Central Government employees. To date, the scheme is not made available • Further, contribution made by for subscription by other NPS subscribers. employer towards employees’ NPS account is allowed as a business 6.7 Taxation on gains arises on Tier-II expense to the employer u/s 36 (i) investment (iva) of the Income Tax Act upto 10% • NPS Tier-II account which is the of salary (Basic+DA) of the employee. optional account under NPS (introduced Employers’ adopting NPS as a retiral as replacement of GPF) has no special tax benefit scheme for its employees are treatment stipulated and therefore gains unenthusiastic to contribute more than arising at the point of withdrawals are 10% of employee’s salary towards subject to tax at applicable marginal rates, NPS for creation of a larger pension thereby making Tier-II less appealing to corpus for the employee/subscriber. subscribers. 6.5 Cap on employer contribution for • Similarly, gains arising from calculating taxable perquisite: National Pension Scheme Tier II- Tax • Prior to 1st April 2020, employer Saver Scheme, 2020 (NPS TTS Scheme) contribution towards NPS (upto investments are also taxable at applicable 10% of salary) was exempted from rates in the hands of the central government tax without any monitory ceiling. employee/subscriber. From 1st April 2020, the aggregated 139Part 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 upload of SCFs and remittance of NPS in previous paras, some other initiatives contributions. taken by the Authority to protect the • It was advised to Nodal offices under interest of the subscribers are as below. CG and SG to hold regular meetings • Various new initiatives were taken cum workshops for their underlying and guidelines were issued in the Nodal offices in order to sensitize form of Circulars by PFRDA to them on the key areas of concern and protect the interest of subscribers operational matters. as mentioned in detail above. Also, • The oversight offices under CG and necessary amendments to Regulations SG sector, viz, PrAOs/DTAs were were carried out based on the advised to review performance of their requirements and feedback received underlying PAOs / DTOs and ensure from stakeholders. that the NPS related activities are • Authority regularly advises PoPs completed in a time bound manner. on the deviations reported by them • Advisory on Digital Safety Practices for delay in prescribed activities to be followed by Governmentt under operational guidelines and Nodal offices to access CRA system the payment of compensation to under NPS architecture - Advising subscribers on account of such delays. the nodal offices towards adopting • Operational guidelines for PoPs - APY safety practices in respect of usage, issued during FY 2021-22 effective from non-sharing and safe-keeping of login 1 April 2022. Similarly, operational credentials of the CRA system. guidelines for PoPs - NPS Lite revised • Advisory on Extension of timeline for during the year and effective from 1 De-activation of Non- IRA PRANs due April 2022. to COVID-19 Pandemic till 30.09.2021 • Nodal offices under Central Govt - Advising the nodal offices towards sector were advised during review collection of physical Common meetings/interactions to adhere to Subscriber Registration Forms (CSRF) various provisions provided under from all such employee. CCS (NPS) Rules, 2021, to ensure • Ombudsman for NPS/APY- FAQ timely completion of activities under published for the benefit of Subscribers NPS. and wide awareness created about the • Nodal offices under CG and SG services of Ombudsman. sector have been advised to follow • Development of Ombudsman the timelines prescribed by DoE, E-Appeal portal -To facilitate ease GoI for completion of various NPS of filing Ombudsman appeal for related activities with respect to 140Annual Report-2021-22 subscribers and ensure a robust • Spotlight –3 Volumes of the newsletter grievance redressal process, the IT have been released to equip the readers department is developing the E-Appeal with knowledge on Cyber threats and Module which will incorporated onto best practices. the website of PFRDA. The module • Notice on Caution Against Frauds- will have a user-friendly interface and Equipping general public with provide an MIS for Ombudsman to requisite awareness on various track and respond to the appeals. modus operandi used by fraudsters. • A digital mode of opening APY The notice also provides information account through the eAPY platform on the grievance redressal avenues was launched by Protean CRA in available in case of cyber frauds. the month of September 2021. The • SAMPARK -Subscriber Awareness platform besides promoting digital messages are communicated directly onboarding, also provides online by PFRDA. This has been able to facility for Lead Generation with increase participation of subscribers banks for Family members / friends in Annuity Literacy Programs (ALPs) / well-wishers and Migration of by sending upto date information Swavalamban Subscribers wherein promptly. existing Swavalamban subscribers between 18 to 40 years can online • UI/UX and Application Performance migrate to APY. Audit-With the objective of making NPS user interface attractive and • e- Annuity Literacy Programs (ALPs)- easy for the subscribers, UI/UX and For creating awareness on Annuity application performance audit is being among retiring NPS Subscribers. The planned. This audit will encompass program held jointly with Annuity all the digital modules and interfaces Service Providers and CRAs. provided by CRA. • Online Pension Calculator-The • Monitored and reviewed Information pension calculator illustrates the Cyber Security Compliance, to ensure tentative pension and lump sum that the compliance of Cyber Security amount an NPS subscriber may expect Policy of the Intermediaries and on maturity or 60 years of age based Quarterly Compliance. It has been on regular monthly contributions, improved performance and security percentage of corpus reinvested for posture of the NPS systems. purchasing annuity and assumed rate in respect of returns on investment • Session on Emerging Technologies and annuity selected for. from Renowned Speakers- PFRDA in partnership with leading institutions • Compliance certificate for ASPs Half such as CERT-In organised Cyber yearly compliance being submitted Security Awareness Training for by ASPs for enhanced Subscribers officers of PFRDA through Game based service. Simulation Module of Kaspersky. • NPS Tax Saver account- Enables tax Also, session on Cloud Technology saving by subscribers of Central Govt were organised for officers of PFRDA Sector. by engaging Amazon Web Services 141Part VII and Google Cloud for enriching nodal officers suffice to issue annuity knowledge on the Cloud platforms, by Annuity Service Providers (ASP). their concept and working. • Instant Bank Account verification- • SLA Review of CRAs-Initiative has Instant Bank Account verification been taken to review the Service through Penny drop to avoid return Level Agreements of Central Record of funds and check the beneficiary Keeping agencies, to update the SLAs details on real time basis. to include Change Management, • e-NPS Subscribers exit- The online Incident management etc. to ensure e-NPS exit functionality built in prompt development of modules, coordination with Banks redressal of issues in performance of the modules in timely manner and • Development of online system for ensure efficient service. filing appeal with ombudsman and Release of FAQs on Ombudsman • Identification and Assessment of CRA and PFs as the National Critical List of Annexure Information Infrastructure in PFRDA regulated NPS System. Annexure I • Disaster Recovery Drills of the CRA’s Composition of Pension Advisory has increased the resilience capability Committee (PAC) and issues discussed of CRA systems based on the periodic during PAC meetings advisory from PFRDA. Annexure II • Option for partly exited NPS Subscribers to continue the same State-wise total no.of POP-SPs. PRAN. Annexure III • Ease Annuity issuance for NPS Annual statement of accounts of the subscribers on single KYC- KYC and Withdrawal documents uploaded by Authority along with the Schedules 142Annual Report-2021-22 Annexure I Composition of Pension Advisory Committee 1. Chief General Manager, Government 13. President, Institute of Actuaries of Business Unit, State Bank of India, India New Delhi 14. Chief Executive Officer Fixed Income 2. Managing Director & CEO, NSDL Money Market and Derivatives e-Governance Infrastructure Ltd Association of India 3. Executive Director (Retail Banking), 15. Deputy Secretary (Establishment II), Axis Bank Department of Personnel & Training 4. Deputy Controller General of Accounts 16. Director (A/Cs), Department of Posts, (Technical Advice), Department of New Delhi Expenditure, Ministry of Finance 17. Shri Rajiv Kapoor, Executive Director 5. Chief Executive Officer & Whole Time – Group HRM Minda Industries Ltd. Director, UTI Retirement Solutions representing CII Ltd 18. Chief Executive-Indian Banks’ Association 6. Chief Executive Officer, HDFC Pension Management Company Ltd 19. Director, Budget, Department of Finance, Bhopal, Government of 7. Vice President and Head Custodial Madhya Pradesh Services, Stock Holding Corporation of India Ltd. 20. Director (Fin/Budget), Defence Finance as representative of Ministry 8. Shri Dinesh Pant, Appointed Actuary of Defence Life Insurance Corporation of India 21. Shri Gourav Sharma, Dy Commandant 9. Chairman, NPS Trust Border Security Force as representative of Ministry of Home Affairs 10. Director, National Institute of Bank Management, Pune 22. Shri Ramesh Chandra Pandey, Section Officer, Finance Establishment (FE) 11. Dr.Renuka Sane, Associate Professor, Directorate as representative of National Institute of Public Finance Ministry of Railways and Policy (NIPFP) The Chairperson and the Members of 12. Shri Kulin Patel, Senior Actuary and the Authority shall be the ex-officio Director – Client Account Management, Chairperson and ex officio members of the Towers Watson,Gurgaon Pension Advisory Committee 143Annexure-II Annexure II State wise total no. of POP-SPs S. No State Name 2021 2022 1 Andaman & Nicobar Islands 134 136 2 Andhra Pradesh 15,796 15645 3 Arunachal Pradesh 385 384 4 Assam 5,952 5982 5 Bihar 13,429 13476 6 Chandigarh 526 536 7 Chhattisgarh 5,029 5037 8 Dadra & Nagar Haveli and Daman & Diu 126 127 9 Goa 913 918 10 Gujarat 14,277 14424 11 Haryana 6,730 6938 12 Himachal Pradesh 3,164 3175 13 Jammu & Kashmir 2,133 2145 14 Jharkhand 4,295 4324 15 Karnataka 15,613 15661 16 Kerala 10,916 10901 17 Lakshadweep 11 11 18 Ladakh 0 1 19 Madhya Pradesh 13,457 13461 20 Maharashtra 25,207 25216 21 Manipur 252 511 22 Meghalaya 544 1091 23 Mizoram 235 481 24 Nagaland 247 495 25 NCT of Delhi (New Delhi) 5,218 10634 26 Odisha 10,653 21371 27 Puducherry 317 636 28 Punjab 10,019 20059 29 Rajasthan 10,868 21796 30 Sikkim 145 145 31 Tamil Nadu 16,467 33037 32 Telangana 5,703 11569 33 Tripura 651 1312 34 Uttar Pradesh 2,937 34061 35 Uttarakhand 30,025 33032 36 West Bengal 14,880 30044 Total (All India) 2,47,254 2,49,756 Note: List includes data of CRA-NSDL and exclusive POP-SPs registered under Kfintech-CRA. 144Annual Report-2021-22 145Annexure-III 146Annual Report-2021-22 147Annexure-III 148Annual Report-2021-22 149Annexure-III For Point A.1.1 of SAR and Point B and C of Annexure to SAR: It is pertinent to mention that the PFRDA (Forms of Annual Statement of Accounts and Records) Rules, 2015 (‘Rules’) have been notified by t Central Government inferring powers under clause (h) of subsection (2) of Section 51 read with subsection (1) of Section 42 of the Pension Fund Regulatory and Development Authority Act, 2013 (23 of 2013), in consultation with the Comptroller and Auditor-General of India (C&AG). The Forms and schedules of Annual Accounts are prescribed under the above-mentioned Rules in which the expenditure under the Swavalamban scheme is shown in Schedule 21 i.e. Other administrative expenses. Similarly, Grant/Subsidies received are shown under Schedule 13 (Grant/Subsidiaries) which is a part of the Income and expenditure account. Accordingly, the Grant and expenditure under Swavalamban and APY scheme are considered as income and expenditure in the books of accounts of PFRDA. This treatment is in accordance with the above-mentioned ‘Rules’. Further, with reference to the internal control system regarding the booking of grants received for a specific purpose, it is mentioned that PFRDA maintains separate records, ledgers, and bank accounts in respect of Government grants. Hence, the internal control system in place is adequate. With respect to the system of physical verification of Fixed Assets, it is mentioned that the assets are verified at the end of every year and no such issue regarding non-identification has been faced. The Internal Audit is being strengthened in commensurate with the size and nature of activities of PFRDA. The assets declared as scrap are being disposed off at periodical intervals. 150Annual Report-2021-22 Annexure III FORM A [See Rule 3(a)] PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY BALANCE SHEET AS ON 31-03-2022 Liabilities Schedule Current year Previous year Assets Schedule Current year Previous year 1. Corpus/ 1. Fixed Assets 8 1 Capital Fund 1,90,00,61,056 1,24,50,15,689 Gross block 1,00,15,22,291 51,07,47,779 2. Reserves - - Less: 2 and Surplus Depreciation 2,36,41,478 1,79,49,562 Net Block 97,78,80,813 49,27,98,216 3. 2,50,13,267 2,35,02,420 Earmarked/ 3 Endowment funds 2. Investments 9 2,43,88,564 2,26,95,680 from Earmarked/ Endowment Fund 4. Secured - - loans and 4 borrowings 3. Investment- 10 77,44,56,001 51,71,31,221 Others 5. Unsecured - - loans and 5 borrowings 4. Current 11 76,96,59,660 65,71,01,148 assets, Loans, Advances etc. 6. Deferred - - credit 6 liabilities 5. - - Miscellaneous expenditure (to the extent not written off or adjusted) 7. Current 62,13,10,715 42,12,08,157 liabilities and 7 provisions Total 2,54,63,85,038 1,68,97,26,266 Total 2,54,63,85,038 1,68,97,26,266 Note:- All Schedules to Balance Sheet shall form part of Account. Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 151Annexure III FORM B [See rule 3(b)] PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 (Unit-Indian Rupee) Expenditure Schedule Current year Previous year Income Schedule Current year Previous year 1. Establishment Expenses 20 35,03,34,730 17,46,71,424 1. Income from Sales/ 12 - - Services 2. Other Administrative 21 2,06,49,41,748 3,94,46,05,711 2. Grants/ Subsidies 13 2,03,00,00,000 2,73,00,00,000 expenses etc. 3. Expenditure on Grants, 22 16,56,53,252 13,79,89,642 3. Fee/ Subscription 14 1,33,58,93,795 59,16,36,861 Subsidies etc. 4. Interest 23 5,993 11,413 4. Income from 15 - - Investments (Income on investment from earmarked/ endowment funds transferred to Funds) 5. Depreciation( Net 59,63,505 33,18,117 5.Income from Royalty, 16 - - Total at the year end- Publications etc. corresponding to Schedule 8) 6. Interest Earned 17 4,43,38,224 7,16,33,290 7. Other Income 18 22,92,607 32,58,192 8. Increase/ (decrease) in 19 - - stock of Finished goods and Work-in-progess TOTAL 2,58,68,99,228 4,26,05,96,306 TOTAL 3,41,25,24,626 3,39,65,28,342 Balance being excess of 82,56,25,398 (86,40,67,964) Income over Expenditure Transfer to Special Reserve - - (specify each) Transfer to/from General - - Reserve BALANCE BEING SURPLUS/(DEFICIT) 82,56,25,398 (86,40,67,964) CARRIED TO CORPUS/ CAPITAL FUND Significant Accounting 24 Policy Contigent Liabilities and 25 Notes on Accounts Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 152Annual Report-2021-22 FORM C [See rule 3(c)] PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY RECEIPT AND PAYMENT ACCOUNT FOR THE PERIOD 01-04-2021 to 31-03-2022 (Unit–Indian Rupee) Sl Receipts Current year Previous year Sl Payments Current year Previous year No No 1. Opening Balances 1. Expenses (a) Cash in hand 20,000 5,313 (a) Establishment Expenses 32,27,78,542 18,42,94,163 (b) Bank Balances (b) Administrative Expenses 29,16,93,067 22,97,03,303 (i) In Current accounts - - 2. Grants Utilised (ii) In Time Deposit accounts - - (a) Swavalamban Contribution (6,420) (9,887) (iii) In Saving Bank deposit accounts 40,01,42,196 1,55,64,94,648 (b) Swavalamban Promotion 1,13,82,300 54,79,000 2. Grants Received (c) Grant to National Pension system Trust - - (i) From Government of India (d) APY Contribution (1,39,10,719) 1,55,02,17,812 (a) Grant-in-aid Salaries - - (e) APY Promotion and Development 1,70,20,29,612 2,22,89,29,841 (b) Grant-in-aid-General - - (f) Refund of Grant 15,84,00,000 - (g) Refund of Interest 72,53,252 13,79,89,642 (c) Grant-in-aid-Swavalamban - - (h) Others (NCFE) - - Contribution (d) Grant-in-aid-Swavalamban - - 3. Investments and deposits made Promotional & Development activities (e) Grant-in-aid APY Contribution - 1,01,00,00,000 (a) Out of Earmarked/ Endowment funds 4,00,000 1,00,000 (f) Grant-in-aid APY Promotion & 2,03,00,00,000 1,72,00,00,000 (b) Out of Own Funds (Investments-Others) 25,73,24,780 (22,04,88,979) Development (g) Others - - 4. Expenditure on Fixed Assets and Capital Work-in-progress (ii) From State Government (a) Purchase of Fixed Assets 12,27,422 27,38,818 (a) Grant-in-aid Salaries - - (b) Expenditure on Capital Work-in-progress 48,01,94,460 48,01,94,519 (b) Grant-aid-General - - 5. Refund of surplus money/ Loans (c) Grant-in-aid-Swavalamban - - (a) Recoverable from National pension - - Contribution system trust (d)Grant-in-aid-Swavalamban - - (b) To the State Government - - Promotional & Development activities (e) Others - - (c) To other providers of funds - - (iii) From Other Sources - - 6. Finance Charges (Interest) 3. Income on Investments (a) Bank charges 5,993 11,413 (a) Earmarked/Endowment Funds 4,616 4,648 (b) Others - - (b) Own Funds (other investment) - - 7. Other Payments (Specify) 4. Interest Received (a) Prepaid 49,45,765 14,56,743 (a) On Bank deposits 5,25,43,693 6,43,63,126 (b) Loan/ Advance to employees 1,42,591 2,53,091 (b) Loans, Advances etc. - - (c) Advance against Expenses 3,90,10,557 1,86,92,191 (c) Others (Interest on Loan) - - (d) Security Deposits 9,82,000 5. Other Income (Specify) 8. Closing Balances (a) Annual Fees 1,30,56,29,042 59,18,98,251 (a) Cash in hand 12,291 20,000 (b) Fees from Miscellaneous Services 1,54,91,724 3,33,99,991 (b) Bank Balances (c) Miscellaneous Income 18,77,272 32,52,531 (i) In Current accounts 6 Amount Borrowed - - (ii) In Time Deposit accounts 7 Any Other receipts (iii) in Saving Bank deposit accounts 59,31,07,928 40,01,42,196 (a) Security/Earnest Money Received 50,000 68,000 (b) Recovery of Advance 1,61,51,168 3,87,40,504 (C) Transfer of Assets - 1,23,567 (d) Subscribers Education and Protection 3,63,711 1,30,746 Fund (e) Others 3,47,00,000 12,42,540 TOTAL 3,85,69,73,421 5,01,97,23,865 TOTAL 3,85,69,73,421 5,01,97,23,865 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 153Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 1 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 CORPUS / CAPITAL FUND (Unit-Indian Rupee) Particulars Current year Previous year Balance as at the beginning of the year 1,24,50,15,689 92,90,86,573 Add : Opening Balance of unutilized corpus 34,40,05,696 1,52,40,02,776 fund Less: Closing Balance of unutilized corpus 51,45,85,726 34,40,05,696 fund Add/ Balance of net income/expenditure 82,56,25,398 (86,40,67,964) Deduct: transferred 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 1,90,00,61,056 1,24,50,15,689 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 154Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 2 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 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:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 155Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 3 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 EARMARKED/ ENDOWMENT FUNDS (Unit-Indian Rupee) Particulars Subscriber’s Education and Protection Fund Current Year Previous Year 1. Opening balance of the funds 2,35,02,420 2,19,93,893 2. Additions to the funds a) Donations / grants - - b) Income on Investments made on account of 11,47,136 13,77,781 funds c) Receipts during the year 3,63,711 1,30,746 d) Other Additions (Specify nature) TOTAL (1+2) 2,50,13,267 2,35,02,420 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 - - Total - - TOTAL (3) - - NET BALANCE AT THE PERIOD END (1+2-3) 2,50,13,267 2,35,02,420 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 156Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 4 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 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 - - -I nterest 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:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 157Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 5 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 UNSECURED 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 - - -I nterest accrued and due b) Other Loans (specify) - - - Interest accrued and due 5. Other Instituitions - - 6. Debentures and Bonds - - 7. 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, 2022 DEFERRED CREDIT LIABILITIES (Unit-Indian Rupee) Particulars Current year Previous year 1. Acceptances secured by hypothecation of - - Capital Equipment and Other Assets 2. Others - - TOTAL - - Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 158Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 7 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 CURRENT LIABILITIES AND PROVISIONS (Unit-Indian Rupee) Particulars Current year Previous year Current Liabilities 1. Acceptances - - 2. Sundry Creditors & Payables 2,18,45,986 3,48,32,981 3. Advances Received 3,47,00,000 - 4. Interest Accrued but not due on: a) Secured Loans / Borrowings - - b) Unsecured Loans/ Borrowings - - 5. Statutory Liabilities: a) Overdue - - b) Others 29,74,117 16,37,083 6. Other Current Liabilities a) Unutilised grant payable to GOI 51,45,85,726 34,40,05,696 b) Others: Security Deposits 56,17,000 65,99,000 TOTAL 57,97,22,829 38,70,74,760 Provisions 1. For Taxation - - 2. Gratuity 58,19,474 97,50,718 3. Trade Warranties/ Claims - - 4. Accumulated Leave encashment 3,46,63,549 2,38,13,861 5. Pension Contribution Payable 6,12,543 - 6. Leave salary payable - - 7. Others - CAG Audit fee payable 4,92,320 5,68,818 TOTAL 4,15,87,886 3,41,33,397 GRAND TOTAL 62,13,10,715 42,12,08,157 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 159Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 8 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 FIXED ASSETS Description Gross Block Depreciation Net Block Cost/ Additions Deductions Cost/ As at For the On Total upto As at the As at the Valuation during the during the Valuation beginning year Deductions the year Current previous as at the year year as at the of the year during the end year year beginning year end year of the year Fixed Assets 1. Land: a) Freehold - - - - - - - - - - b) Leasehold - - - - - - - - - - 2. Buildings: - - a) On Freehold Land - - - - - - - - - - b) On Leasehold Land - - - - - - - - - - c) Ownership flats/ premises - - - - - - - - - - d) Superstructures on - - - - - - - - - - Land not belonging to the entity 3. Plant Machinery and - - - - - - - - - - Equipment 4. Vehicle 13,18,102 9,38,781 - 22,56,883 7,52,148 2,25,710 - 9,77,858 12,79,025 5,65,954 5. Furniture & Fixtures 45,29,866 7,29,596 52,59,462 23,86,859 2,35,922 - 26,22,781 26,36,681 21,43,008 6. Office Equipments 87,44,674 24,19,347 3,28,155 1,08,35,866 38,93,710 9,84,263 91,063 47,86,909 60,48,957 48,50,964 7. Computer/ Peripherals 1,55,64,767 71,05,504 2,97,073 2,23,73,199 1,05,76,362 45,00,078 1,80,527 1,48,95,914 74,77,285 49,88,405 8. Electrical Installations 1,51,908 12,052 1,63,960 1,35,870 1,801 1,37,671 26,289 16,038 9. Liabrary Books 2,43,942 - 2,43,942 2,04,614 15,731 - 2,20,345 23,597 39,328 10. Other Fixed Assets - - - - - - - - - - Total Of Current Year 3,05,53,260 1,12,05,280 6,25,228 4,11,33,312 1,79,49,562 59,63,505 2,71,590 2,36,41,478 1,74,91,834 1,26,03,697 Previous Year 2,49,07,112 81,00,381 24,54,233 3,05,53,260 1,64,02,729 33,18,117 17,71,283 1,79,49,562 1,26,03,697 85,04,383 Capital work-in-progress 48,01,94,519 48,01,94,460 - 96,03,88,979 - - 96,03,88,979 48,01,94,519 - - Total 97,78,80,813 49,27,98,216 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 160Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 9 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 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 2,43,88,564 2,26,95,680 7. Others (to be specified) - - TOTAL - - PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 10 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 INVESTMENT- OTHERS (Unit-Indian Rupee) Particulars Current year Previous year 1. Government securities - - 2. Other approved securities - - 3. Shares (Unquoted) Shares of National Center for Financial Education (NCFE) 10,00,00,000/- Less: Invest made from 1.00 1.00 Government Grants 9,99,99,999/- 4. Debentures and Bonds - - 5. Subsidiaries and Joint ventures - - 6. Fixed Deposits 77,44,56,000 51,71,31,220 7. Others - - Total 77,44,56,001 51,71,31,221 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 161Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 11 ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT 31st March, 2022 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: - - 3. Cash in hand 12,291 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 59,31,07,928 40,01,42,196 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) 59,31,20,219 40,01,62,196 (B) Loans, Advances And Other Assets : 1. Loans: a) Staff 2,38,000 2,60,000 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) 49,45,765 14,70,350 c) Security Deposits 39,64,480 38,47,500 d) Others: 4,69,79,735 13,73,66,838 3. Income Accrued: a) On Investments from Earmarked/ Endowment funds 4,84,302 6,34,666 b) On Investments- Others 2,50,39,998 3,32,45,467 c) On Loans and Advances - - d) Others (includes income due unrealized: NIL) 9,48,87,162 8,01,14,133 4. Claims Receivable - - Total (B) 17,65,39,442 25,69,38,953 Grand Total (A)+(B) 76,96,59,660 65,71,01,148 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 162Annual Report-2021-22 SCHEDULE 12 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 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 01-04-2021 TO 31-03-2022 GRANT/ SUBSIDIES (Unit-Indian Rupee) Particulars Current year Previous year Irrevocable Grants and Subsidies Received 1. Central Government 2,03,00,00,000 2,73,00,00,000 2. State Government - - 3. Government agencies - - 4. Instituition / Welfares bodies - 5. International Organisations - - 6. Others : (Specify) - - Total 2,03,00,00,000 2,73,00,00,000 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 163Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 14 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 FEES / SUBSCRIPTIONS (Unit-Indian Rupee) Particulars Current year Previous year 1. Entrance Fees - - 2. Annual Fees 1,32,04,02,071 55,83,36,870 3. Seminar/ Program Fee - - 4. Consultancy Fees - - 5. Licence Fees - - 6. Fees from Miscellaneous Services 1,54,91,724 3,32,99,991 7. Others (Specify) - - Total 1,33,58,93,795 59,16,36,861 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 15 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 INCOME FROM INVESTMENTS (Income on investment from Earmarked / Endowmennt funds transferred to Funds) (Unit-Indian Rupee) Particulars Investment From Earmarked Fund Investment- Others Current year Previous year Current year Previous year 1. Interest a) On Govt. Securities - - - - b) Other Bonds/Debentures - - - - c) Others 11,47,136 13,77,781 - - 2. Dividend a) On Shares - - - - b) On Mutual Funds - - - - c) Others - - - - 3. Rents - - - - 4. Others (specify) - - - - Total 11,47,136 13,77,781 - - Less: Transferred to Earmarked/ 11,47,136 13,77,781 Endowment Funds Net balance - - - - Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 164Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 16 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 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 01-04-2021 TO 31-03-2022 INTEREST EARNED (Unit-Indian Rupee) Particulars Current year Previous year 1. On Term Deposits Accounts a) with Scheduled Banks 3,32,69,079 5,69,67,150 b) with Non-Scheduled Bank - - c) with Instituitions - - d) Others - - 2. On Savings Bank Deposits Accounts a) with Scheduled Banks 1,10,69,145 1,46,66,140 b) with Non-Scheduled Bank - - c) Post Office Savings Accounts - - d) Others: 3. On Loans: a) Employees/Staff - - b) Others - - 4. Interest on Debtors and Other Receivables - - Total 4,43,38,224 7,16,33,290 Tax deducted at source to be indicated Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 165Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 18 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 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 22,92,607 32,58,192 Total 22,92,607 32,58,192 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 19 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 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:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 166Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 20 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 ESTABLISHMENT EXPENSES (Unit-Indian Rupee) Particulars Current year Previous year 1. Salaries and Wages 28,82,46,416 14,82,88,879 2. Allowances and Bonus - - 3. Contribution to Provident Fund - - 4. Contribution to Pension 2,37,73,295 1,28,32,661 5. Staff Welfare Expenses - - 6. Expense on Employee Retirement and Terminal - - Benefits 7. Leave Salary 2,94,56,283 85,83,969 8. Tution Fees reiumbursement - - 9. Medical reiumbursement 38,05,100 30,50,143 10. Gratuity Contribution 50,53,636 19,15,771 11. Others: (specify) - - Total 35,03,34,730 17,46,71,424 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 167Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 21 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 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 17,72,164 16,47,876 5. Water Charges 6,86,823 5,69,522 6. Insurance 17,99,867 18,44,892 7. Repair and Maintenance 56,36,902 64,00,678 8. Excise Duty - - 9. Rent, Rates and Taxes 8,14,43,062 7,34,71,187 10. Vehicles Running and Maintenance 2,35,48,764 1,36,94,318 11. Postage, Telephone and Communication Charges 69,75,702 52,08,044 12. Printing and Stationary 16,38,459 14,80,358 13. Travelling and Conveyance Expenses 72,05,131 6,71,399 14. Expenses on Seminar/ Workshops/ Meetings and conferences 81,13,200 2,48,36,439 15. Subscription Expenses - - 16. Expenses on Fees - - 17. Auditors Remuneration 3,49,702 2,46,160 18. Hospitality Expenses - - 19. Professional Charges 6,52,30,823 3,50,12,958 20. Books and Periodicals 3,03,304 1,73,652 21. Recruitment Expenses 1,05,24,747 80,36,941 22. Provision for Bad and Doubtful Debts/ Advances - - 23. Incentive to Aggregator 1,13,82,300 54,79,000 24. Swavalamban Government Contribution (6,420) (9,887) 25. APY Government Contribution (1,39,10,719) 1,55,02,17,812 26. Incentive to Point of presence - - 27. Irrevocable balances Written off - - 28. Packing charges - - 29. Freight and Forwarding Expenses - - 30. Distribution Expenses - - 31. Advertisement and Publicity Expenses 11,85,32,178 1,93,47,176 32. Membership fees 5,87,305 32,68,640 33. Staff Welfare expenses 14,83,833 8,35,661 34. Consultancy expenses 34,90,294 27,65,685 35. APY Promotion 5,18,24,736 6,19,500 36. Incentive under APY 1,67,16,09,750 2,18,76,32,920 37. Sitting Fees - 38. Others (Website fee expense, Fund management expense, 47,19,842 11,54,779 Computer consumables+Auction Processing Fees) Total 2,06,49,41,748 3,94,46,05,711 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 168Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 22 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 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 : a. Refund of Grants 15,84,00,000 - b. Refund of Interest 72,53,252 13,79,89,642 Total 16,56,53,252 13,79,89,642 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 23 ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT FOR THE PERIOD 01-04-2021 TO 31-03-2022 INTEREST (Unit-Indian Rupee) Particulars Current year Previous year 1. On Fixed Loans - - 2. On Other Loans - - 3. Bank charges 5,993 11,413 4. Other(specify) - - Total 5,993 11,413 Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 169Annexure-III PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 24 ATTACHED TO AND FORMING PART OF THE ACCOUNTS FOR THE PERIOD 01-04-2021 TO 31-03-2022 SIGNIFICANT ACCOUNTING POLICIES 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 schemes of Government of India . Fee from Trustee Bank and Central Record Keeping Agencies for the last quarter have been accounted on accrual basis for 2021-22. 2. Government Grants Government grants are accounted on realisation basis. Government grants relating to specific assets have been shown as a deduction from the gross value of the assets concerned, in arriving at their book value and the related assets have been shown in the balance sheets at a nominal value. 3. Fixed Assets Fixed assets are stated at their original cost including taxes and other incidental expenses related to acquisition. 4. Retirement benefits The retirement benefits of employees i.e Gratuity and leave encashment, are covered through Group Gratuity Scheme and Group Leave Encashment Scheme taken from Life Insurance Corporation of India. 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 Items costing Rs. 5,000/- or less each are treated as revenue expenditure. Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 170Annual Report-2021-22 PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY SCHEDULE 25 ATTACHED TO AND FORMING PART OF THE ACCOUNTS FOR THE PERIOD 01- 04-2021 TO 31-03-2022 CONTINGENT LIABILITIES AND NOTES TO ACCOUNTS 1. Contingent Liabilities There is no contingent liability of the Authority as at 31.03.2022. 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 Section 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 31.03.2022 has been shown under the head Current Liabilities and Provisions. 5. Corresponding figures for the previous year have 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- 2022 and the Income and Expenditure account for the period 01-04-2021 to 31-03-2022. 7. PFRDA has contributed Rs.10 crores towards Share Capital of ‘National Center for Financial Education (NCFE)’ from the Grants received from Central Government in the FY 2019-20. Hence, this investment has been shown at a notional value of Re.1 under Schedule 10. 8. An annual fees of Rs 3.47 crores for FY 22-23 has been received in March 2022 from Deutsche bank as a custodian is considered as “Income Received in Advance” and accordingly not considered as income for FY 21-22. 9. The Board of PFRDA in its 88th meeting approved the purchase of own premises for PFRDA from NBCC (India) Ltd in its upcoming project at World Trade Center, Nauroji Nagar, New Delhi with the budgeted amount of Rs 200-250 crores. Accordingly, PFRDA has made pro-rata payment of Rs 48.02 cr to NBCC during 2021-22 towards the purchase of said premises and a total of Rs 96.04 crores upto 31st March 2022, which is still under construction. The same has been shown as ‘Capital Work-in-Progress’ in Schedule-8. Place: New Delhi Ashish Kumar Bharati Date:17/06/2022 Chief Accounts Officer Dr. Manoj Anand Pankaj Sharma S. Bandyopadhyay Member Member Chairperson 171