G R U e vswks Kvh µ gi ÎgvwmK cöwz e`b (A ±vei-ww m ^i 2018) dvbb vwýqvj BbK zkb wwcvu g U evsjv `k e vsk cöavb Kvh vjq XvKv
f wgkvt 2021 mv j ga g Av qi ` k DbœxZ niqvi Awfjÿ wb q `ªæZB GwM q Pj Q evsjv `k mb hvîvq mn hvmx wn m e evsjv `k e vsk KZ K UKmB A_ bwzk Dbœq bi Rb ` ki mkj ch v qi RbMY K A_ bwzk AMÖhvÎvq mvwgj Kivi AwfcÖv q Avw_ K AšÍfz w³g~jk wewfbœ Kvh µg MÖnY Kiv n q Q, hv ` ki Av_ -mvgvwrk Dbœq b AZ ší mg qvc hvmx D ` vm evsjv `k e vs Ki Pjgvb Avw_ K AšÍfz w³ (Financial Inclusion) Kvh µ gi AvIZvq e vswks mev K e q mvkªqxfv e myweav ewâz Rb Mvôxi `vi Mvovq cu Q `qvi j ÿ evsjv `k e vsk 2013 mvj _ K G R U e vswks Kvh µg MÖnY K i Zdwmwj e vsk KZ K G R U wb qv Mi gva g RbMY K e qmvköqx, wbivc` I AvaywbK cöhyw³ wbf i e vswks mev cö`v bi gva g A_ bwzk Kg Kv Ð MwZkxjZv Avbqb, Kg ms vb m wó, `vwi`ª we gvpb I AšÍfz w³g~jk A_ bwzk cöe w AR bi mnvqk cwi ek m wó Kivi j ÿ G R U e vswks Kvh µg Pvjy Kiv n q Q G R U e vswks Kvh µg MÖvgvÂjmn me Î ek RbwcÖq I MÖnY hvm n q D V Q evsjv `k e vsk KZ K 31 ww m ^i 2018 ch ší 21 wu Zdwmwj e vsk K G R U e vswks Kvh µg cwipvjbvi Rb Aby gv`b cö`vb Kiv n q Q Zb a 19 wu e vsk gvv ch v q G R U e vswks Kvh µg cwipvjbv Ki Q 1.1 31 ww m ^i 2018 ch ší G R U e vswks Kvh µg cwipvjbvkvix 19 wu e vs Ki G R U I AvDU ju Gi msl vwfwëk Z_ Zz j aiv n jv: QKt 1 1
QK-1 G G R U e vswks Kvh µg cwipvjbvkvix e vskmg~ ni kni I MÖvg Kw `ªK G R U Ges AvDU ju Gi msl vwfwëk Z_ Zz j aiv n q Q Av jvp Îgvwm K B vb e vsk wj. KZ K G R U e vswks Kvh µg ïiæ Kivq ez gv b 19 wu e vsk Gi me gvu 4,493 wu G R U Gi AvIZvq 6,933 wu AvDU j Ui gva g mviv ` k G R U e vswks mev cö`vb Kiv n Q D jøl, wzbwu e vsk h_vµ g, gaygwz e vsk wj. I GbAviwe Kgvwk qvj e vsk wj. KZ K BDwbqb wwwruvj m Uvi (UDC) Gi gva g G R U e vswks Kvh µg cwipvjbv Kiv n Q G R U AvDU j Ui msl vi w`k _ K kx l Ae vb Ki Q D jøl, 2018 mv ji m Þ ^i Îgvwm K G R U I AvDU j Ui msl v wqj h_vµ g 3,902 Ges 5,791 wu 2018 mv ji ww m ^i Îgvwm K G R Ui msl v e w c q Q 591 wu Ges AvDU j Ui msl v e w c q Q 1,142 wu m Þ ^i 2018 I ww m ^i 2018 Gi G R U I AvDU j Ui msl vwfwëk Zyjbv wb œiƒc t wpî-1 G R U I AvDU j Ui Zzjbv 3,902 4,493 5,791 6,933 m Þ ^i 2018 ww m ^i 2018 G R U AvDU ju 2016,2017 I2018 mv ji G R U I AvDU j Ui Zzjbv wb œiƒct wpî-2 2016, 2017 I 2018 mv ji G R U I AvDU j Ui Zzjbv 6,933 2,601 1,646 4,157 2,577 4,493 G R U AvDU ju ww m ^i 2016 ww m ^i 2017 ww m ^i 2018 2
2.1 G R U e vswks Gi gva g Lvjv wnmvemg~ ni (LvZIqvix) Z_ wb œiƒct QKt 2 gvu* = (1)+(2)=(3)+(4)+(5)= (6)+(7)+(8) QK-2 n Z `Lv hvq h, ww m ^i 2018 ch ší G R U e vswks e e vq 19 wu e vs Ki gva g Lvjv gvu wnmve msl v 24,56,982 wu Z_ ch v jvpbvq `Lv hvq h, kn ii Zzjbvq MÖvgv j Lvjv e vsk wnmv ei msl v 6.7 Y ewk, hv G R U e vswks Kvh µ gi g~j D Ï k i mv _ msmwzc~y Z e, bvix wnmveavix `i P q cyiæl wnmveavix `i msl v cövq 2 Y AviI `Lv hvq, G R U e vswks AvDU j Ui gva g Lvjv gvu wnmve msl vi 48 kzvsk wnmve WvP&-evsjv e vsk wj. Gi G R U e vswks AvDU j Ui gva g Lvjv n q Q wøzxq Ges Z Zxq Ae v b i q Q h_vµ g Ges Avj-Avivdvn& Bmjvgx e vsk wj. G R U I AvDU j Ui gva g Lvjv gvu wnmvemg~ ni wpî wb œiƒct wpît 3 1,36,434 3,84,192 wewfbœ e vs Ki wnmve msl v 7,49,165 11,87,191 WvP-evsjv e vsk wj. Avj-Avivdvn Bmjvgx e vsk wj. 3
wpî t 4 30% 6% wewfbœ e vs K wnmv ei kzkiv cwigvy 16% 48% WvP-evsjv e vsk wj. Avj-Avivdvn Bmjvgx e vsk wj. wpî t 5 bvix, cyiæl I gvu wnmve msl vi Zzjbv 15,88,118 13,13,599 6,97,824 8,50,247 24,56,982 20,28,864 m Þ ^i 2018 ww m ^i 2018 cyiæl bvix gvu wpî t 6 2,67,065 kni 3,19,368 MÖv g I kn i wnmveavixi Zzjbv 21,37,614 17,61,799 MÖvg m Þ ^i 2018 ww m ^i 2018 4
1,17,001 5,85,205 2,76,498 10,50,160 2.2 G R U e vswks gvu wnmv ei ÎgvwmK Zzjbv wb œiƒct QKt 3 QK-3 n Z `Lv hv Q h, ww m ^i 2018 ch ší 19 wu e vs Ki G R U e vswks AvDU j Ui gva g gvu 24,56,982 wu wnmve Lvjv n q Q Zb a WvP-evsjv e vsk wj., I Avj-Avivdvn& Bmjvgx e vsk wj. KZ K h_vµ g 11,87,191 wu, 7,49,165 wu I 1,36,434 wu wnmve Lvjv n q Q MZ Îgvwm K gvu wnmve msl v wqj 20,28,864 wu d j, Av jvp Îgvwm K wnmve msl v e w c q Q 4,28,118 wu MZ Îgvwm Ki Zzjbvq wnmve msl v 21% e w c q Q wpît 7 11,87,191 9,54,483 5,14,402 wnmve msl vi MwZaviv 7,49,165 1,00,636 3,84,192 2,07,879 1,36,434 Ryb 2018 m Þ ^i 2018 ww m ^i 2018 WvP-evsjv e vsk wj. Avj-Avivdvn Bmjvgx e vsk wj. 5
AvgvbZ: 3.1 G R U e vswks Gi gva g Lvjv wnmvemg~ n Avgvb Zi (LvZIqvix) cwigvy wb P Zz j aiv n jvt QKt 4 (jÿ UvKvq) gvu* = (1)+(2)=(3)+(4)+(5)= (6)+(7)+(8) QK-4 n Z `Lv hvq h, ww m ^i 2018 ch ší G R U e vswks Kvh µg cwipvjbvkvix 19 wu e vs Ki gva g Lvjv wewfbœ ai Yi wnmv e me gvu Avgvb Zi cwigvy 3,11,240.60 jÿ UvKv Z_ ch v jvpbvq AviI cwijwÿz nq h, G R U e vswks Gi gva g Lvjv 24,56,982 wu wnmv ei wecix Z wnmve cöwz M o 12,667.60 UvKv AvgvbZ Rgv n q Q G Z_ n Z cözxqgvb nq h, G R U e vswks Gi Dcw wz Z Avgvb Zi G wecyj A_ AvbyôvwbK Lv Z Rgv n q MÖvgxb A_ bxwzi PvKv mpj ivl Z f wgkv ivl Q D jøl h, MZ Îgvwm K wnmve cöwz Mo AvgvbZ wqj 12,704.09 UvKv wpî-8 I wpî-9 G Avgvb Zi cwigvy I Avgvb Zi kzkiv cwigvy D jøl Kiv n jv 6
wpît 8 Avgvb Zi cwigvy (jÿ UvKvq) 92,830.33 66,134.46 82,722.91 WvP-evsjv e vsk wj. 69,552.90 Avj-Avivdvn Bmjvgx e vsk wj. wpît 9 30% Avgvb Zi kzkiv cwigvy 21% WvP-evsjv e vsk wj. 27% 22% Avj-Avivdvn Bmjvgx e vsk wj. AviI D jøl h, 2018 mv ji 30 m Þ ^i ch ší gvu Avgvb Zi cwigvy wqj 2,57,748.79 jÿ UvKv 2018 mv ji 31 ww m ^i ch ší G R U e vswks Kvh µ g e vs Ki AvDU j Ui msl v e w i mv _ mv _ Avgvb Zi cwigvy e o `vuwo q Q 3,11,240.60 jÿ UvKv m Þ ^i 2018 I ww m ^i 2018 Îgvwm Ki Avgvb Zi Zzjbv wb œiƒct wpî t 10 Avgvb Zi Zzjbv (jÿ UvKvq) 2,57,748.79 3,11,240.60 m Þ ^i 2018 ww m ^i 2018 7
2016, 2017 I 2018 mv ji Avgvb Zi Zzjbv wb œiƒct wpît 11 Avgvb Zi Zzjbv (jÿ UvKvq) 3,11,240.60 38,068.00 1,39,938.96 ww m ^i 2016 ww m ^i 2017 ww m ^i 2018 3.2 G R U e vswks AvDU j U Lvjv e vsk wnmv e Avgvb Zi ÎgvwmK Zzjbv wb œiƒct QKt 5 QK-5 n Z `Lv hvq h, PjwZ Îgvwm K me gvu Avgvb Zi ciwgvy MZ Îgvwm Ki Zzjbvq 21% e w c q Q MZ Îgvwm Ki Zzjbvq Av jvp Îgvwm K Avj Avivdvn Bmjvgx e vsk wj. I vûvw e vsk wj. e wzz me KqwU e vs Ki Avgvb Zi cwigvy e w c q Q Avgvb Zi cwigv Y kx l Ae vb Ki Q Avj- Avivdvn Bmjvgx e vsk wj. Ges AvgvbZ e w i cwigv Y kx l i q Q eª vk e vsk wj. B Uvb e vsk wj.me kl Îgvwm K Zv `i Kvh µg ïiæ K i Q weavq Gi cwiez b jÿyxq bq Avgvb Zi MwZaviv wb œiƒct 8
wpît 12 Avgvb Zi MwZaviv Ryb 2018 m Þ ^i 2018 Avj-Avivdvn Bmjvgx e vsk wj. WvP-evsjv e vsk wj. e vsk Gwkqv wj. ww m ^i 2018 FY weziy: 4.1 G R U e vswks Gi gva g weziyk Z F Yi (LvZIqvix) cwigvy wb œ Zz j aiv n jvt QKt 6 (jÿ UvKvq) gvu* = (1)+(2)= (3)+(4)+(5) G R U e vswks Gi gva g e vsk jv ïay wnmve Lvjv/cwiPvjbv Kiv I iwgu vý wezi Yi g a B mxgve bb, FY wezi Yi gva g Avq Drmvix Kg KvÐ K DrmvwnZ K i MÖvgxY A_ bxwzi PvKv mpj ivlvi ÿ Î mwµq f~wgkv cvjb Ki Q ww m ^i 2018 ch ší G R U e vswks Gi gva g 6wU e vsk Zv `i FY weziy Kvh µg cwipvjbv K i Q D³ 6wU e vsk KZ K me gvu 18,948.89 jÿ UvKv FY weziy Kiv n q Q FY cöev ni aviv _ K cwijwÿz nq h, kn ii Zzjbvq MÖv g FY cöev ni cwigvy 4.77 b ewk e vsk Abymv i G R U AvDU ju Gi gva g weziyk Z F Yi wpî wb P `qv n jv t wpît 13 FY wezi Yi wpî 670.630 wgdpzqvj Uªv e vsk wj. Avj-Avivdvn Bmjvgx e vsk wj. 419 511.27 17,347.99 9
wpî-13 n Z `Lv hvq, Zv `i G R U e vswks Gi gva g 17,347.99 jÿ UvKv FY weziy K i FY wezi Yi kx l Ae vb Ki Q FY wezi Y wøzxq Ae v b i q Q Avj-Avivdvn Bmjvgx e vsk wj. Ges Z Zxq Ae v b i q Q wgdpzqvj Uªv e vsk wj. iwgu vý: 5.1 ww m ^i 2018 ch ší iwgu vý wezi Yi mvi-ms ÿct e vsk jvi G R U AvDU j Ui gva g MÖvnK `i iwgu vý mev cö`v b G R U e vswks ek Kvh Kix gva g wn m e KvR Ki Q evsjv ` ki cöz ší A j emevmkvix Rb Mvôx K iwgu vý mev cö`v b G R U e vswks AMÖYx f~wgkv cvjb Ki Q e vs Ki kvlvi b vq G R U e vswks AvDU ju jv Zzjbvg~jK mnr c wz Z I `ªæZZg mg q G mev cö`vb Ki Q ww m ^i 2018 ch ší 16 wu e vs Ki gva g me gvu 5,55,742.47 jÿ UvKv iwgu vý cö`vb Kiv n q Q Zb a MÖvgv j weziyk Z iwgu v Ýi cwigvy me gvu 5,05,084.89 jÿ UvKv Ges knivâ j weziyk Z iwgu v Ýi cwigvy me gvu 50,567.58 jÿ UvKv ww m ^i 2018 ch ší G R U e vswks Gi gva g weziyk Z iwgu v Ýi Z_ wb P Zz j aiv n jvt QKt 7 5.2 iwgu vý wezi Yi wpî wb œiƒct wpît 14 iwgu vý Gi cwigvy (jÿ UvKvq) 2,04,256.46 1,85,170.48 86,847.24 79,495.29 WvP-evsjv e vsk wj. Avj-Avivdvn Bmjvgx e vsk wj. 10
wpî-14 n Z `Lv hvq h, ww m ^i 2018 ch ší iwgu vý wezi Y kx l Ae vb Kiv WvP-evsjv e vsk wj. KZ K 2,04,256.46 jÿ UvKv weziy Kiv n q Q wøzxq Ae v b _vkv KZ K 1,85,170.48 jÿ UvKv, Ges Z Zxq Ae v b _vkv Avj-Avivdvn Bmjvgx e vsk wj. KZ K 86,847.24 jÿ UvKv iwgu vý weziy Kiv n q Q D jøl, 2018 mv ji 30 m Þ ^i ch ší G R U e vswks Gi gva g weziyk Z iwgu v Ýi cwigvy wqj 4,46,394.36 jÿ UvKv 2018 mv ji ww m ^i gv m Gi cwigvy `uvwo q Q 5,55,742.47 jÿ UvKv G _ K cözxqgvb nq h, G R U e vswks Gi gva g iwgu vý weziy µgk: e w cv Q ZvQvov, MÖvgv j iwgu vý wezi Yi cwigvy kni _ K A bk ewk niqvq myweav ewâz MÖvgxY Rb Mvôx G R U e vswks mev MÖn Y AwaK AvMÖnx n Q g g cözxqgvb nq, hv G R U e vswks Gi g~j D Ï k i mv _ m½wzc~y m Þ ^i 2018 I ww m ^i 2018 gv mi BbIqvW iwgu vý Gi Zzjbvg~jK wpî wb œiƒct wpî t 15 iwgu vý Gi Zzjbv (jÿ UvKvq) 5,55,742.47 4,46,394.36 m Þ ^i 2018 ww m ^i 2018 Dcmsnvit Rbeûj evsjv ` ki wmsnfvm Rb Mvôxi evm MÖv g MÖvgxY Rbc `i Av_ -mvgvwrk cöÿvc U G R U e vswks GKwU Kvh Kix D ` vm e j we ewpz n Q mivmwi e vs K bv wm qi nv Zi bvmv j wek Í e vswks mev cviqvq cöevmx köwgk _ K ïiæ K i MÖv gi mkj köyxi gvby li wbku G R U e vswks mevi RbwcÖqZv µgkt e w cv Q djköæwz Z e vsk jvi Zv `i G R U e vswks Kvh µg cöwzwbqz cömvwiz Ki Q G R U e vswks Gi gva g e vswks mev mnrjf niqvi d j MÖvgxY Av_ -mvgvwrkzvq eo ai Yi BwZevPK cwiez b Avm Q e vsk jvi cöwiz ÎgvwmK cöwz e`b ch v jvpbvq G wel q BwZevPK wpî dz U D V Q mkj ÎgvwmK cöwz e`b n Z Av iv úó n q Q h, mviv ` k we klzt MÖvgxY Rbc ` A_ vr RvZxq A_ bxwzi Z Yg~j ch v q G R U e vswks `ªæZ wekvk jvf Ki Q ZvQvov, wemz eqi jvi Zzjbvq G R U, AvDU ju, wnmve msl vq wekvj Djøçb cwijwÿz n q Q Avgvb Zi cwigvy e o Q A bk ZvB AvMvgx w` b G R U e vswks mgmö e vswks LvZ Z_v ` ki mvgwmök A_ bxwz Z Avgyj cwiez b Avb Z mÿg n e g g Avkvev` e ³ Kiv hvq ----------- 11
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