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efJe
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mesvue yeQke Dee@]He Fbef[ee
ef ee MesejOeejkeieCe,cegPes efoveebke 31 ceee&, 2011 kees meceehle Je
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eYeeJeer JeeJemeeefeke keee&veerefleeeW kes heef jCeecemJehe, yeQke Deheveer efveefOeeeW keer ueeiele ceW ceee& 2009 kes 6.8 eef leMele keerleguevee ceW ceee& 2011 ceW 5.82 eefleMele leke keceer ueeves ceW me#ece nes mekee. Fme DeJeefOe kes oewjeve, nceejer Meg yeepe DeeeceW 109 eefleMele mes DeefOeke keer Je=ef ope& keer ieF& leLee Meg yeepe ceeefpe&ve, pees henues 2 eefleMele mes kece Leer, ceW 3.31 eefleMele leke ye{esllejer ngF& nw. ye{er ng F& heWMeve leLee Deve oseleeDees b keer Deoeeieer kes yeeJepeto, ceee& 2011 ceW nceeje Meg ueeYe`1252 kejes[ Lee.
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mesvue yeQke Dee@]He Fbef[ee
efveosMeke ceb[ue BOARD OF DIRECTORSeer Sme.eerOej SHRI S. SRIDHAR
eerceleer Jeer . Deej. Deej SMT. V. R. IYER
eer Deej. kes. ogyes SHRI R.K. DUBEY
[e@. MeMeebke mekemesvee DR. SHASHANK SAKSENA
eer meueerce iebieeOejve SHRI SALIM GANGADHARAN
eer ye=peueeue #eef$ee SHRI BRIJLAL KSHATRIYA
ees. Sve. yeeueke=
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mesv^ue yeQke Dee@He Fbef[eeeOeeve keeee&uee, ebojcegKeer, vejerceve hee@Fb, cegbyeF& - 400 021
veesefmeSledJeeje en met efele efkeee peelee nw efke mesvue yeQ ke Dee@ @He Fbef[ee kes MesejOeejkeeW keer elegLe& Jeeef
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mesvue yeQke Dee@]He Fbef[ee
yeQke DeefOeosMe DeLeJee SveSme[erSue/meer[erSmeSue mes HeeHle [eGveuees[ kes DeeOeej Hej ueeYeebMe cegefle efkeee peeSiee. en Gve m
nesiee, efpevneWves F&meerSme DeefOeosMe veneR efoS nQ.yeQke Gve MesejOeejkeeWkees, efpevekee efke mesvue yeQke keer MeeKeeDeesbceWKeelee nw SJeb efJeefMe
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efveosMeke efjhees& 2010-11
mecceeveveere meomeieCe,
Deehekes efveosMekeeW kees, efoveebke 31 ceee&, 2011 kees meceehle Je
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mesvue yeQke Dee@]He Fbef[ee
yeQke ves SveheerS ,KeeleeW ceW ` 736 kejes[ keer vekeo Jemetueer keer nw.
yeQke ves ceee&/Deewue, 2011 ceW` 2497 kejes[ kee jeF FMetkee emleeJe jKee leLee Fmes meHeueleehetJe&ke hetje efkeee. jeF FMet1.07 iegvee Deefle-DeefYeolle jne.
yeQ ke kees efyenej ieeceerCe Deepeeref Jekee heefjeespevee, efpemes peeref Jekee heefjeespevee kes veece mes Yeer peevee peelee nw, kes keeee&vJeeve kesFvkeuetpeve DeJee[& 2011 leLee HejJejer, 2011 ceW Fb[mer efjsue ueer[jefMehe DeJee[& kee ceee SHe Sce meme& eehle ngDee.
2. Deee SJeb Jee
Je
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4. mes[ efJeMues
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mesvue yeQke Dee@]He Fbef[ee
eerSce.kes. Yeeeee& keer efveosMeke kes he ceW mesJeeSb efoveebke 30 pegueeF&, 2010 mes meceehle nes ieF&b nQ.
eermeueerce iebieeOejve efoveebke 30 pegueeF&, 2010 mes DeejyeerDeeF& kes veeefceleer efveosMeke kes he ceW efveegkele efkeS ieS nQ.
eerSce.Sme.peesnj efoveebke 1 peveJejer, 2011 kees mesJeeefveJe=lle nes ieS nQ.
9. ef veosMekeeW kes oeefelJe mecyebOeer efJeJejCe
meYeer efveosMeke en hegef kejles nQ efke efoveebke 31 ceee&, 2011 kees meceehle Je
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eyebOeleb$e efJeeej-efJeceMe& leLee efJeMues
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mesvue yeQke Dee@]He Fbef[ee
Je
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mesvue yeQke Dee@]He Fbef[ee
Yeejleere efj]peJe& yeQke/Yeejle mejkeej ves yeQke kees ` 1126.30 kejes[ keer mebhetCe& jeefMe keer eeflehetefle& keer nw.
jepe mlejere yeQkeme& meefceefle (SmeSueyeermeer)yeQke ceOe eosMe jepe ceW SmeSueyeermeer kee meb eespeke nw. mejkeej eje eeeesefpele keee&eceeW meefnle ef JeefYevve ceeveob[eW kes Debleie&le ef JeefYeieefle keer efveiejeveer SJeb meceer#ee kes efueS Je
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5. mesv meneesie' efJelleere mee#ejlee leLee $e+Ce hejeceMe& kes v (SHeSuemeermeer):
yeQke ves efvecveefueefKele SHeSuemeermeer eeeesefieke DeeOeej hej Keesues nQ :
ece meb. kesv Debeue jepe
1. jleueece Yeesheeue ceOe eosMe
2. Je[keg ve ceg byeF& ceneveiej ceneje
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mesvue yeQke Dee@]He Fbef[ee
meer) mesv Jnerkeue
[er) mesv heme&veue ieesu[ $e+CeF&) heWMevejeW, kee@heexjs kece&eeefjeeW, iewj kee@heexjs kece&eeefjeeW SJeb efMe#ekeeW kees Jeweefeke $e+Ce
yeQke ves efvecveefueefKele kebheefveeeW/mebmLeeveeW kes meeLe eF-Dehe JeJemLee keer nw :
efJeeejeOeerve eefleYetefleeeW meefnle eeefhleeeW kes efveeb$eCe nslegKejero kes efueS ces. Heetej kewefheue nesefu[bime.
eeefhleeeW kes mecetn DeeOeej kes efveeb$eCe nslegKejero kes efueS ces. efjueeebme kewefheue
meceeve meePesoejer DeeOeej hej DeeJeeme $e+CeeW kes mecetnve kes efueS [erSeSHeSue
efJeeeefLe&eeW kees Mew#eefCeke $e+Ce GheueyOe kejeves kes efueS 150 mes DeefOeke Mew#eefCeke mebmLeeve
F&Smemeer jsvveme mketue Dee@@He efyepevesme eebvme kee Ske eefleefle efyepevesme mketue. Ssmee henueer yeej ngDee nw efke yeQke ves Ske efJeosMeer efJeefMe
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Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej yeQke ves ` 1954.75 kejes[ keer eefleYetefleeeb SSHeSme esCeer mes SeerSce #esCeer ceW Debleefjkees hetCe&le: heefjeeueve ceW ueeee ieee efpememes ^spejer heefjeeueve keer #ecelee ceW Je=ef ngF&. efoveebke 31.03.2011 kees yeQke kes efveJesMe hees& Heesejns :
e.meb Ieke 31.03.2010 31.
1. SmeSueDeej 46243.25 48
2. iewj-SmeSueDeej 5765.04 10
3. kegue 52008.29 58
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mesvue yeQke Dee@]He Fbef[ee
heefjeeueve peesefKece eyebOeve
yeQke keer Skeerke=le peesefKece eyebOeve mebjevee ceW meg{ heefjeeueve peesefKece eyeb Oeve veerefle eje ceeie&oefMe&le heefjeeueve peesefKece kee eyebOeve MefmeeleeW ceW efvejblej eefMe#eCe eefeee kes ceeOece mes keee& #es$e mlej hej leLee heefjeeueve peesefKece kee helee ueieeves, efveOee&jCe, ecee$ee, efnsleg %eeve eoeve kejves hej yeue efoee ieee nw. Yee.efj.yeQ kes efoMeeefveoxMeevegmeej Gvvele efkeesCe keer Deesj ye{ves kes efueS keoce G"eS ieSefvejer#eCe kee keee& efveeefcele he mes efveosMeke ceb[ue meefnle Ge eyebOeleb$e eje efkeee pee jne nw.
yeemeueII kes efoMeeefveoxMeeW kee keeee&vJeeve
Yeejleere efjpeJe& yeQ ke ves pegueeF& 2010 ceW hetbpeer heee&hlelee {ebes kes keeee&vJeeve hej Deeleve ceemj heefjhe$e peejer efkeee nw. Fve efoMeefoveebke 31 ceee&, 2009 mes yeemeueIIceeveob[eW kees Deheveeee nw leLee $e+Ce peesefKece nsleg ceevekeerke=le efkeesCe, heefjeeueveelceke peesefKece ns
Deewj yeepeej peesefKece nsleg ceevekeerke=le DeJeefOe heefle kes DeeOeej hej hetbpeer kee eeJeOeeve efkeee nw.
yeQke ves yeemeueIIceeveob[eW kees hetje kejves kes efueS mebhetCe& yeQke ceW Debleje&
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DeefYeveJe henue:
yeQkeeMegjWmepeerJeve yeercee GlheeoeW kes efueS Yeejleere peerJeve yeercee efveiece keer kee@heexjs Spesvmeer kes Debleie&le nceejs yeQke eje yeercee mesJeeSb GheueyOe kejekes oewjeve yeQke kee efve
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mesvue yeQke Dee@]He Fbef[ee
1. Fbjves yeQefkebie :
meYeer meeryeerSme MeeKeeDeesb ceW Fbjves yeQefkebie megefJeOee keeee&efvJele keer ieF& nw, efpemekes ceeOece mes efveefOe DeblejCe, Gheeesieer JemlegDees b, m sSejueeFvme/efmevescee keer efkeW, Kejerooejer, cebefoj ceW oeve kejves, Heerme kee Yeg ieleeve, eskeeW kee Yegieleeve jeskeves, eskeeW keer efmLemesJeeSb GheueyOe kejeeer peeleer nQ. Jew eefeke leLee kee@heexjs, oesveeW ekeej kes ieenkeeW keer ef JeefMe
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keeee& vJeeve nslegDeesjs keue 11peer leLee DeeFyeer Sce Jesye mHeerej Scekeet meerjerpe Jepe& ve 7.0 meefnle veS ne[&JesejeW Deew j mee@HeJesejeW kheer[erDees-Sve[erSme eCeeueer (eeFcejer leLee mwv[ yeee meeF) efoveebke 2 efomebyej, 2010 kees keeee&efvJele keer ieF&. veF& DeejerpeerSme eCeeue rmeeF) YeeefjyeQ eje efveOee&efjle efkeS ieS Devegmeej efoveebke 7 efomebyej, 2010 kees keeee&efvJele keer ieF&.
Fueskee@efveke [ee FbjeWpe heefle :
DeeFmeerF&Sme 1.5 kes kes verke=le Jepe&ve kee Gheees ie kejles ngS kemcme [ee mebienCe nslegHejJejer 2010 ceW heerOecehegj efJemleej heue (Dkeeee&vJeeve efkeee ieee. lelheMeeledSke Deewj MeeKee (Yeesheeue Debeue kes Debleie&le ceb[eroerhe) ceW F&[erDeeF& kee keeee&vJeeve efkeee ieee. kemMeeKeeDeesb efceue Sefjee, Fboewj, ceeuevehegj Fb[mereue Sefjee, Yeesheeue leLee jeehegj cegKe MeeKee ceW F&[erDeeF& kee efeeevJeeve DeYeer efkeee
SerSce vesJeke&:
SerSce vesJeke& kee ye[s hewceeves hej efJemleej efkeee ieee nw. Je
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mesvue yeQke Dee@]He Fbef[ee
kes Debleie&le eehle DeeJesoveeW kee peJeeye 30 efove kes Deboj efoee peelee nw. Jeefj
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meleke&lee :
yeQke kee meleke&lee ef JeYeeie meleke&lee eyebOeve mes mecyebefOele efJeefYeVe keee& kejlee nw Deewj OeesKeeOe[er, keoeeej, Yeeeej Deeefo pewmeer kegjerefJeeJemeeefeke ue#eeW keer hetefle& kes efueS yeQke keer eYeeJe #ecelee kees Deewj DeefOeke ye{elee nw.
ef JeYeeie meerJeermeer/DeejyeerDeeF&/SceDeesSHe/yeQke kes Deve efJeYeeieeW/Deve eesleeW mes eehle efMekeeeleeW hej keee& kejlee nw leLee Gme hej meleke&leeoskej Gmekee efveheeve kej oslee nw. Fme ekeej, meYeer efMekeeeleeW keer efJeYeeie eje mebJeer#ee keer peeleer nw Deewj meleke&lee mes egkele efMekeeele Wkes ceeOece mes Oeeve efoee peelee nw.
eCeeueer ceW OeesKeeOe[er keer IeveeDees b keer jeskeLeece kejves/GvnW kece kejves keer ef mes, efJeefYevve keoce G"ees iees nQ. heefjCeecemJehe, kejne nw. heefle SJeb eCeeueer kes heeueve keer DeeJeMekelee keer hetCe&le: peevekeejer keee&kelee&Dees b kees osves hej keeHeer Oeeve efoee ieee. OeesKee kesJeeemeer ceeveoC[eW, heemeJe[& keer ieesheveerelee, keee&-meceeefhle ([s-SC[) efjheeses keer& peebe Deeefo kee ke[eF& mes Devegheeueve kejves hej meJee&
Deebeefueke/#es $eere keeee&uee mlej hej efJeefYevve peeiekelee keee& eceeW kee Deeeespeve efkeee ieee nw, efpemeceW oesveeW GOeejer leLee iewj-GOe eJe=lle kejves Jeeueer $egefeeb/De%eeve/ueehejJeener /keoeMeelee hej efJeMes
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mesvue yeQke Dee@]He Fbef[ee
2. ceeveJe mebmeeOeve efJekeeme :
(i) keee&-efve
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leLee veew Deebeefueke eefMe#eCe kesvesb eje ueieYeie 1061 ke#ee eefMe#eCe keee&eceeW kes ceeOece mes 21089 mes DeefOeke eefleYeeefieeeWkees keJej efkeee. Fve keee&eceeW ceW efJeefYevve efJe
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mesvue yeQke Dee@]He Fbef[ee
kecheveer ves ueeYe keer efvejblejlee kees yeveees jKeles ngS, Deheveer Meg mJeefveefOe ceW Deejef#ele efveefOe kees pees[kej FmeceW Je=ef keer nw. ceee&, kejes[ Lee, pees efke ceee&, 2011 ceW ye{kej 55.21 kejes[ nes ieee. en ueeYe ceW ueieeleej ye{esllejer kee heefjCeece Lee. mesv^ue yeQke Dee@@He efkemleeW keer egkeewleer, $e+Ce KeeleeW mes eehle legjble Jemetueer keer efkemleeW Deewj SveheerS KeeleeW ceW Deefleose jeefMe keer Jemetueer mes Glheeefole Deebleefjkeer ieF&. pevelee SJeb mebmLeeDeesb mes eehle peceeDeesb keer efmLeefle ceee& , 2010 ceW` 38.04 kejes[ mes ye{kej ceee&, 2011 ceW` 48.03 kejes[yeQke Dee@ @He Fbef[ee mes Je
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mes 2009-10 kes oewjeve` 7.27 kejes[ keer cegetDeue Heb[ keer oueeueer (efJelleere Je
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mevue yeke Dee]He Fe[ee
kee@Heexjs ieJeveXmeyeQke kes kee@Heexjs ieJeveXme kee GsMe
yeQke kes kee@ heexjs ieJevesme kee HecegKe GsMe JeJemeee kes mebeueve ceW vew efleke meb JeJenej mes MesejOeejkeeW keer Deee ceW Je=ef kejvee leLee kes Ge ceevekeeW kee DevegmejCe kejvee nw. yeQke ves meJeexece mebJeJenej kees Deheveeee nw SJeb ieJeves me kes ceevekeeW keer efveiejeveer yees[& keerpeeleer nw. kee@heexjs ue#eeW keer eeef hle, keee&-ef ve
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heoYeej mebYeeuee leLee peveJejer, 2008 ceW metevee lekeveerke leLee peesefKece eyeb Oeve, oesvees ner cenllJehetCe& hees&Heesefueees kee oeefelJe mebYeeuev s ceneeyebOeke kes heo hej keer ieF&. Deeheves keesj yeQefkebie meceeOeeve kes Debleie&le 2500 MeeKeeSb mLeeefhele keer, efJeefYevve ef[ueerJejer ewveueeW, Jeeh
eCeeueer kees megJeJeefmLele efkeee leLee mebhetCe& $e+Ce eyebOeve kees mJeeefuele kejves ceW meHeuelee eehle keer. nceejs yeQke ceW keee&heeueke efveosMekmes hetJe& SceSmeSceF& efJeYeeie keer ecegKe Leer.
eer Deej.kes.ogyes (pevce efleefLe 10.09.1954), Deeeg56 Je
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mevue yeke Dee]He Fe[ee
cespej (mesJeeefveJe=lle) Jes o ekeeMe (pevce ef leefLe 19.08.1963), Deeeg 72 Je
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Scemeer - efveosMeke ceb[ue keer eyebOeve meefceefleSmeeryeer - efveosMeke ceb[ue keer uesKee hejer#ee meefceefleDeejScemeer - peesefKece eyebOeve meefceefle
SueJeer SHemeer - ye[erjeefMe kes kehe mebyebOeer meefceeflemeer Smemeer - ieenke mesJee meefceefleDeeF&erheer - yeQke ceW metevee eeweesefiekeer heefjeespevee
SmeDeeF& peermeer - MesejOeejkeeW/efveJesMekeeW keer efMekeeele meefceefleDeejmeer - heeefjeef ceke meefceefleDeeF& SHeDeejSme - Debleje&
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mevue yeke Dee]e Fe[ee
efveosMeke kee veece ope& keer ieF&GheefmLeefle
keee&keeue kes oewjeveDeeeesefpele yew"keW
DeJeefOe(mes leke)
keee efoveebke 1Deeeesefpele Debeflece
eer Deej.kes.ogyes 09 9 01.09.2010 31.03.2011 SpeerSce keer efleefLe h
[e@. MeMeebke mekemesvee 09 15 01.04.2010 31.03.2011
eer Sce.kes.Yeeeee& 05 5 01.04.2010 29.07.2010
eer meueerce iebieeOejve 07 10 30.07.2010 31.03.2011 Speer Sce keer efleefLe h
eer Sce.Sme.peesnj 08 10 01.04.2010 01.01.2011
eer ye=peueeue #eef$ee 14 15 01.04.2010 31.03.2011
ees.Sve.yeeueke=
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yees[& keer uesKee hejer#ee meefceefle
yees[& keer uesKee hejer#ee meefceefle (Smeeryeer) kee ie"ve Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej, efveosMeke ceb[ue eje efkeee ieee kes meeLe-meeLe yeQke ceW Deebleefjke uesKee hejer#ee Deewj efvejer#eCe kee mebie"ve, heefjeeueve heOoefle leLee iegCeJeee ef veeb$eCe Deewj yeQke keer meleLee Yeejleere efj]peJe& yeQke kes efvejer#eCeeW keer DevegJeleer & keej&JeeF& meefnle yeQke kes meceie uesKee keee& kes heefjeeueveeW kee hee&Jes#eCe kejleer nwmeboYe& Meles nZ : S. Deblej-MeeKee meceeeespeve KeeleeW hej DevegJeleer & keej&JeeF&, Deblej-yeQke SJeb vee@m^es KeeleeW ceW yekeeee hegjeveer eefJeefeeW, ef JeefYeVe MeeKee
OeesKeeOe[er SJeb neGmekeerefhebie kes Deve ecegKe #es$eesb hej efJeMes
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^ ] F
yeQke kes efleceener iewj-uesKee hejeref#ele heefjCeeceeW Deewj Je
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Deheveer egkelee hetbpeer ye{eF&. yeQke ves` 1,300.00 kejes[ Ge efej - II yee@C[ kes peefjS pegeS. efveefOeeeW kees pegeves kee cegKe GsMe hetbpe rkejves nsleg efej - I SJeb efej - II hetbpeer ye{evee SJeb yeQke kes oerIee&JeefOe eesleeW ceW Je=ef kejvee nw. pegeF& ieF& efveefOeeeW kee Gheeesie Ge
Yeejle mejkeej kees peejer` 450.00 kejes[ kes heerSvemeerheerSme efveie&ce DenmleeblejCeere nQ Deewj meke SkemeeWpe kes meeLe Fvekee JeJenej venee-efJeee/ DeLeJee meteeryelee veneR efkeee pee mekelee nw.
mebes
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yeQke kes Mesej yee@cyes me@ke SkemeeWpe efueefces[ SJeb vewMeveue me@ke SkemeeWpe Fbef[ee efueefces[, oesveeW ceW meteeryeOo efkeS ieS nQ. efm
yee@cyes me@ke SkemeeWpe efueefces[ (yeerSmeF&) 532885ve@Meveue me@ke SkemeeWpe Fbef[ee efueefces[ (SveSmeF&) meerF&SveerDeejSSueyeerkes
DeeF&SmeDeeF&Sve vebyej DeeF& Sve F& 483A01010
oesveeW me@ke SkemeeWpe kees Je
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ceeefmeke Ge SJeb efvecve YeeJe SJeb yeerSmeF&hej MesejeW kes ee-efJeee keer ecee$ee (yeQke kes Mesej cetue keer mesvmeskeme mes leguevee meefn
yeerSmeF&ceen DeefOekelece cetue vetvelece cet ue MesejeW keer mebKee mesvm
DeefOekelece
Deewue 2010 166.40 144.10 3748116 18,047.86
ceF& 2010 160.00 140.00 4403830 17,536.86
petve 2010 153.40 140.45 3662394 17,919.62
pegueeF& 2010 169.70 138.30 6399333 18,237.56
Deiemle 2010 196.30 163.35 8278300 18,475.27
efmelecyej 2010 207.40 178.00 8401678 20,267.98
Dekeletyej 2010 248.70 190.70 12045935 20,854.55
veJecyej 2010 249.05 180.20 12138037 21,108.64
efomecyej 2010 206.00 157.30 6942298 20,552.03
peveJejer 2011 185.20 158.50 4362224 20,664.80
HejJejer 2011 177.95 137.15 3594467 18,690.97ceee& 2011 174.45 129.30 9933806 19,575.16
Mesej DeblejCe SJeb MesejOeejkeeW/efveJesMekeeW keer efMekeeeleeW kee efveJeejCe :
Mesej Deb lejCe, Oeve-Jeehemeer DeeosMe, ueeYeebMe Yegieleeve SJeb efveJesMekeeW mes mecyebefOele Deve ieefleefJeefOeeeW hej keej&JeeF& nceejs jefpemej SJeb evkeer peeleer nw. FveceW mes efkemeer Yeer omleeJespe kees pecee kejves Deewj efkemeer Yeer het-lee/efMekeeeleeW/keef"veeFeeW kes mecyebOe ceW Mesej OeejkeeW mes efveDevegjesOe nw:
efuebke FveeFce Fbef[ee eeFJes efueefces[
meer-13, heVeeueeue efmeuke efceumedkecheeGb[SueyeerSme ceeie&, Yeeb[ghe (heefece)
cegbyeF& - 400078
sueerHeesve : 022-25963838
Hewkeme : 022-25946969
F&cesue DeeF&[er : [email protected]
8. efoveebke 31.03.2011 kees MesejOeeefjlee kee mebefJelejCe
MesejOeeefjlee kee meb efJelejCe (Meseme&)
Meseme&keer MesejOeeefjlee MesejOeejkeeW keer mebKee kegue kee eefleMele Meseme&
1-500 170665 96.2263 15161745
501-1000 3794 2 1392 2925767
mesvue yeQke Dee@]He Fbef[ee
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'meeJe&peefveke' keer esCeer ceW Deeves Jeeues JeefeeeW keer MesejOeeefjlee, efpevekeer MesejOeeefjlee kegue Meseme& keer mebKee kes 1%mes DeefOeke
meeJe&peefveke keer esCeer ceW Deeves Jeeues JeefeeeW keer MesejOeeefjlee kee efJeJejCe, efpevekeer MesejOeeefjlee kegumebKee kes 1%mes DeefOeke nwMesejOeejke kee veece Mes eme&keer mebKee
Yeejleere peerJeve yeercee efveiece 12247090
Yeejleere peerJeve yeercee efveiece ceekex hueme 9997512
Yeejleere peerJeve yeercee efveiece ceveer hueme 4210341
kegue 26454943
efoveebke 31.03.2011 kees MesejOeeefjlee kee mJehe
efoveebke 31.03.2011 kees MesejOeeefjlee kee mJeheMesejOeejkeeW keer esCeer Meseme&keer mebKee MesejOeejkeeW keer mebKee kegue Mes
[erces Yeewef leke [erces Yeewef lekekesv mejkeej 324141460 0 1 0 324141efkeueeefjbie meome 792283 0 464 0 792Deve efvekeee 6261760 0 1290 0 6261
kee@heexjs efveosMekeieCe 300 0 2 0efJelleere mebmLeeSb 29061761 0 6 0 29061efJeosMeer efveJesMeke mebmLeeSb 13105828 0 76 0 13105efnbot DeefJeYekele heefjJeej 74563 0 2 0 74cegegDeue HeC[ 1883260 0 12 0 1883je
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9. Meseme& kee ef[cesefjeueeFpesMeve
yeQke kes Meseme& kee ee-efJeee DeefveJeee&le: [er-cew he ceW efkeee peelee nw . yeQke ves henues mes ner Meseme& kes [er-cew efjeueeFpesMeve kes efueSefmekeetefjer ]pe ef[hee@efpejer]pe efueefces[ (SveSme[erSue) SJeb mes vue ef[hee@efpejer meefJe&mesme (Fbef[ee) efueefces[ (meer[erSmeSue) kes meeLe kejej
efoveebke 31.03.2011 kees MesejOeejkeeW eje [erces SJeb Yeewefleke mJehe ceW Oeeefjle Meseme& kes efJeJejCe :
MesejOeejkeeW keer mebKee Meseme& keer mebKee
Yeewefleke mJehe ceW 12 1834
SveSme[erSue 116093 67252872
meer[erSmeSue* 61253 336886754
kegue 177358 404141460
*kesv mejkeej eje [erces he ceW Oeeefjle 3214141460 (80.20%) meefnle.
keesF& Yeer peer[erDeej/S[erDeej/JeejC DeLeJee heefjJele&veere efueKele yekeeee veneR nw.
Geble KeeleeW ceW DeoeJeeke=le Meseme& :
meteerkejCe kejej kes KeC[ mebKee 5S keer Melees kes Devegmeej, efoveebke 31 ceee&, 2011 kees DeoeJeeke=le Geble Keelee" ceW yekeeee Mes
e.meb. ef JeJejCe MesejOeejkeeW keer meceie mebKee m(i) efoveebke 15.11.2010 (DeoeJeeke=le Geble KeeleeW kes eejbYe nesves keer efoveebke) kees
DeoeJeeke=le Geble Keeles ceW yekeeee kegue MesejOeejkeeW SJeb Meseme& keer mebKee364
(ii) Je
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meteerkejCe kejej kes Keb[ 49 kes Debleie&le HeceeCeve
Heefle,
efveosMeke ceb[uemesvue yeQke Dee@He Fbef[ee
en HeceeefCele efkeee peelee nw efke :
S. ncevesmesv^ue yeQke Dee@He Fbef[ee kes efJeeere Je
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kee@Heexjs ieJeveXme Hej uesKee Hejer#ekeeW kee HeceeCeHe$e
Heefle,mesvue yeQke Dee@He Fbef[ee kes meomeieCe,
nceves efoveebke 31 ceee&, 2011 kees meceehle Je
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Yeejle kes je
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yeer) ueeYe SJeb neefve Keelee men heef"le cenllJehetCe& uesKeebkeve veerefleeeW SJeb Gve hej efhheefCeeeW kes meeLe, meeceeveleee, Yeejle ceW mJkes Deveghe uesKee eje keJej efkees ieS Je
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efoveebke 31 ceee&, 2011 kee legueve He$e
DevegmeteermebKee
efoveebke31 ceee&, 2011 kees
`
Hetbpeer SJeb oseleeSb
Hetbpeer 1 2021,14,15
Mesej DeeJesove jeefMe (vees 1 kee meboYe& ueW) 2025,68,36
Deejef#ele efveefOeebe SJeb DeefOeMes
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efoveebke 31 ceee&, 2011 kees meceeHle Je
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`
efoveebke31/03/2011 kees
`
Devegmeteer 1 : Hetbpeer
eeefOeke=le Hetbpeer 3000,00,00
efveie&efcele, DeefYeoe SJeb Heoe Hetbpeer : 404,14,15 404,14
`10/- Heefle Mesej kes 4041,41,460 FefkeJeer Meseme&(kesv mejkeej eje Oeeefjle 3241,41,460 Meseme& meefnle)
yesceereeoer Demebeeer DeefOeceeveer Mesej Hetbpeer 1617,00,00 1367,00
2021,14,15
kegue 2021,14,15
Devegmeteer 2 : eejef#ele efveefOeeeb SJeb DeefOeMes
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`
efoveebke31/03/2011 kees
`
Devegmeteer 3 : pecee jeefMeeebS. I. ceebie pecee jeefMeeeb
i) yeQkeeW mes 357,97,86 708,83,83ii) Deve mes 15073,37,64 14362,54
15431,35,50II. yeele yeQke pecee jeefMeeeb 47644,93,89III. meeJeefOe pecee jeefMeeeb
i) yeQkeeW mes 2685,57,83 5427,57,92ii) Deve mes 113594,14,31 100844,97
116279,72,14kegue 179356,01,53
yeer. i) Yeejle ceW efmLele MeeKeeDeeW keer pecee jeefMeeeb 179356,01,53ii) Yeejle kes yeenj MeeKeeDeeW keer pecee jeefMeeeb
Devegmeteer 4 : GOeej jeefMeeebI. Yeejle ceW GOeej jeefMeeeb
i) Yeejleere efjpe]Je& yeQke 0ii) Deve yeQke 6,47,70 45,97iii) Deve mebmLeeSb Je Spesefvmeeeb 5809,02,69 2575,14iV) Dejef#ele Heefleose yee@C[ (ieewCe $e+Ce) 2137,30,00 2407,30,0V) DeHej efejII yee@C[ 2885,00,00 1585,00Vi) veJeesvces
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`
efoveebke31/03/2011 kees
`
Devegmeteer 7 : yeQkeeW ceW pecee jeefMeebe Deewj cebeie Je DeuHe meteveeHej jeefMe
I. Yeejle ceWi) yeQkeeW kes Heeme Mes
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`
efoveebke31/03/2011 kees
`
Devegmeteer 9 : Deefiece
S. i) Kejeros ieS Deewj YegveeS ieS efyeue 1937,60,90 1340,05ii) vekeo $e+Ce, DeesJej[eHe SJeb ceebie Hej Heefleose $e+Ce 37941,61,61 31499,89
iii) ceereeoer $e+Ce 89846,18,15 72543,53kegue 129725,40,66
yeer. DeefieceeW kee efJeJejCe :
i) cetle& DeeefmleeeW eje jef#ele 95408,75,20 80993,22
(yener $e+Ce kes mece#e DeefieceeW meefnle)ii) yeQke/mejkeejer ieejbefeeW eje keJe[& 9493,82,35 5760,65,7iii) Dejef#ele 24822,83,11 18629,60
kegue 129725,40,66meer. Dee f ieceeW kee #es$eJeej JeieeakejCe
(I) Yeejle ceW Deefiece
i) HeeLeefcekelee #es$e 40509,50,96 33873,12
ii) meeJe&peefveke #es$e 9868,12,04 5081,20
iii) yeQke 17,43,88 1015,37
iv) Deve 79330,33,78 65413,77
kegue 129725,40,66(II) Yeejle kes yeenj Deefiece -
Devegmeteer 10 : Deeue Deeefmleeeb
I. Heefjmej(ueeiele/Hegvecet&uebeefkele ueeiele Hej)
efHeues Je
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`
efoveebke31/03/2011 kees
`
Devegmeteer 11 : Deve Deeefmleeeb
I. GHeefele yeepe 1077,91,72 996,27
II. Deefiece kej Yegieleeve/eesle hej keee ieee kej 2283,24,48 2186,58,2
(Meg HeeJeOeeve)
III. msMevejer SJeb mechme 12,34,74 11,96
IV. oeJeeW keer Hetefle& mes Deefpe&le iewj yeQeEkeie Deeefmleebe
V. Devlej keeee& uee meceeeespeve 1531,18,81 620,92
VI. Deve 2914,54,70 7819,24,45 1349,22
kegue 7819,24,45
Devegmeteer 12 : Deekeefmceke oseleeSb
I. yeQke kes efJe oeJes efpevnW $e+Ce kes He ceW veneR ceevee ieee nw 181,53,42
II. DeebefMeke Heoe efveJesMeeW kes efueS oselee 57,86,49
III. yekeeee Jeeeoe efJeosMeer cege mebefJeoeDeeW kes keejCe oselee 28805,44,33
IV. ieenkeeW keer Deesj mes eoe ieejbefeeb
S) Yeejle ceW 6367,09,49 5650,07yeer) Yeejle kes yeenj 307,84,45 127,50
6674,93,94
V. mJeerke=efleebe, He=ebkeve leLee Deve oeefelJe 6179,68,95
VI. Deve ceoW efpevekes efueS yeQke Deekeefmceke He mes osveoej nw 850,00,00
kegue 42749,47,13
efoveebke 31 ceee&, 2011 kees legueve He$e keer Devegmetefeeeb
J
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efoveebke 31 ceee&, 2011 kees meceehle Je
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Devegmeteer 17 : cegKe uesKeebkeve veerefleeeb
1. uesKeebkeve jerefleeeb :
heefjmej kes hegvece& tueve eje mebMeesOeve kes DeueeJee efJelleere ef JeJejefCeeeb hejb hejeiele ueeiele DeeOeej hej ueeYekeejer keejesyeej JeeuesDevegmejCe kejles ngS leweej keer ieF& nQ leLee meYeer leeeflJeke henuegDeesb mes, Yeejle ceW meeceevelee: mJeerke=le uesKeebkeve efmeebleeW (peerSS
meebefJeefOeke eeJeOeeveeW, Yeejleere efj]peJe& yeQ ke (DeejyeerDeeF&) eje efJeefveefo&
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yeer) efJeee kes efueS GheueyOe :
Fme esCeer kes Debleie&le efveJesMeeW kees efleceener Deblejeue hej yeepeej ceW, efmeheJeej efvecveJele Debefkele efkeee peelee nw :
i) kesv mejkeej keer eefleYetefleeeb yeepeej cet ue hej me@ ke SkemeeWpe/ SHeDeeF& SceSefvekeeues ieS keessMeve kes Devegmeej
ii) jepe mejkeej keer eefleYetefleeeb, kes v/jepe mejkeejeje ieejver ke=le eefleYetefleeeb, heerSmeet yee@C[
heefjhekeJelee kes DeeOeej hej Gefele Deee kes Devegmeej
iii) spejer efyeue/pecee-eceeCehe$e/Jeeef Ceefpeke heshej/#es$eere eeceerCe yeQkeeW ceW efveJesMe
jKeeJe ueeiele hej
iv) FefkeJeer Mesej S) G= le : yeepeej cetue hejyeer) Deveg=le : eef le Mesej yener cetue hej, e
hegjevee veneR) leg ueve he$e Gheuekebheveer, eefo, veJeervelece leguevehe
v) DeefOeceeveer Mesej S) G= le : yeepeej cetue hejyeer) Deveg=le : heefjhekeJelee hej Gefele Deee
vi) ef[yeWej SJeb yee@C[ S) G= le : yeepeej cetue hejyeer) Deveg=le : heefjhekeJelee hej Gefele Deee
vii) cetegDeue Heb[ S) G= le : yeepeej cetue hejyeer) Deveg=le : hegve: ee cetue hej ee Meg De
cetue GheueyOe ve nes)
viii) Gece kes efueS hetbpeer Ieesef
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v) eefleYetefleeeW kes DeefOeienCe kes mecee efkeS ieS Keees pewmes oueeueer, Heerme, keceerMeve ee kejeW kees Deee ceW eYeeefjle efkeee
vi) eefleYetefleeeW kes ee ee efyeeer hej Kebef[le DeJeefOe kee yeepe, Deee ceo ceevee ieee nw.
4. [sefjJesefJpe
efJeeere neefve mes yeeeJe-JeJemLee kes efueS eege [sefjJesefJpe kee uesKeebkeve efvecveevegmeej efkeee ieee nw.
i) owefveke yeepeej-cetue - peneb DeefYeefeef vnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue hej Debef kele keer ieF& nQ, heefjCeeceer ueeKeeles ceW efueee ieee nw.
ii) peneb DeefYeefeefvnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue hej Debefkele vener keer ieF& nQ Gve ceeceueeW ceW, yeepe oj mJewhe, poseleeDeesb kee efJeeere neefve mes yeeeJe kejles nQ, GvnW Gheefele DeeOeej hej uesKeeiele efkeee ieee nw.
iii) mJewhe meceeefhle hej ngS ueeYe DeLeJee neefve kees mJewhe kes Mes
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7. kece&eejer - ueeYe :
7.1 ie@egFer SJeb heWMeve efveefOeeeW ceW Jeeef
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Devegmeteer 18 : uesKeeW mes mecyebefOele efhheefCeeeb
es efJeeere heefjCeece, peesefke efveosMeke ceb[ue eje efoveebke 6 ceF&, 2011 kees Deveg ceesefole SJeb uesKee hejer#ekeeW eje DeefOeeceeefCele efkees ief oveebke 24 ceee&, 2011 kees Keg uee Lee SJeb efoveebke 7 Deewue, 2011 kees yebo ngDee Lee, kes Deeyebefle MesejeW kes efueS emleeef Jele ueeYeeefJeefveeespeve keer Jepen mes FveceW heefjJele&ve ngDee nw. efoveebke 19 Deewue, 2011 kees mecehe DeeOeej hej Fvekee Deeyebve ngDee nw, Fme heefjceW en eYeeJe ngDee nw efke FefkeJeer hetbpeer hej emleeefJele ueeYeebMe` 36.37 kejes[ mes SJeb ueeYeebMe kej` 5.90 kejes[ mes ye{ ieee nw. eejef#ele efveefOe` 42.27 kejes[ mes kece nes ieeer nw.
1.1 hetbpeer:
yeQke keer DeefOeke=le hetbpeer`3000 kejes[ nw.
Yeejle mejkeej kees ` 250 kejes[ kes yesceereeoer Demebeeer DeefOeceeveer Mesej (heerSvemeerheerSme) peejer kej yeQke keer eoe-hetbpeer` 177kejes[ leke ye{eeer ieF&.
Je
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6. efveJesMe :
6.1 yeQke kes mekeue efveJesMeeW kees efvecveevegmeej leerve esefCeeeW ceW Jeieer&ke=le efkeee ieee nw :
efoveebke 31.3.2011 kee s
heefjhekeJelee leke Oeeefjle 65.36%
t mebJeie& kes 2.12% kees es[kej (iele Je
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ece mebKee ceoW 31.03.20
4. Yeejle mejkeej keer FefkeJeer Mesej Oeeefjlee kee eefleMele 80.20
5. Je
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(ii) jhee ueve-ove
Je
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[e. [e jJeeJpe
(i) Jeeeoe oj mecePeewlee / yeepe oj mJew
ceoW 31.3i) mJewhe kejejeW kee Deevegceeefveke cetueOeve 8
ii) kejejeW kes Debleie&le eefo eefle heeer& Deheveer yeeOeleeSb hetjer veneR kejleer nw lees Fme meboYe& ceWnesves Jeeueer neefve.
iii) mJewhe ceW Meeefceue nesves kes efueS yeQke eje Jeebefle mebheeefe& ke eefleYetefle
iv) mJewhe mes GlheVe $e+Ce peesefKece kee keWerkejCe- efJeosMeer yeQke 7
- IejsuetyeQke 1v) mJewhe yener kee Gefele cetue (-)
(ii) Mesej yeepeej ceW Kejeroer/yeseer ieF&yeepe oj [sefjJeserJpe :
ece mebKee efJeJejCei) Je
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ceeepeve Keele kee oeveke DeeOeej hej pecee/veece kejle ngS SceeSce ueeYe/neeve kee ueKee peeKee ekeee peelee n lefueS yeQke kes ueeYe SJeb neefve Keeles ceW uesKeeiele efkeee peelee nw.
Jeeheeefjke mJewhe kees Lees[s-Lees[s DeblejeueeW ceW yeepeej cetue keer efmLeefle kes Devegmeej Debefkele efkeee peelee nw. keesF& YeerleLee ueeYe, eefo keesF& nw, hej Oeeve veneR jKee peelee nw.
mJewhe kes Kelce nesves hej ueeYe DeLeJee neefve kees Ghee&ge Meer
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(ii) eg e ee"le Keelee e e e ej e
meer[erDeejeCeeueer
SmeS$e+Ce hegveie&
hegveie&ef"le ceeveke Deefiece GOeejkelee&Deesb keer mebKee 1
yekeeee jeefMe 37.79 27
DeefOeleeie jeefMe 8.52 1
hegveie&ef"le DeJeceeveke Deefiece GOeejkelee&Deesb keer mebKee -
yekeeee jeefMe -
DeefOeleeie jeefMe -
hegveie&ef"le mebefoiOe Deefiece GOeejkelee&Deesb keer mebKee -
yekeeee jeefMe -
DeefOeleeie jeefMe -
kegue GOeejkelee&Deesb keer mebKee 1
yekeeee jeefMe 37.79 27
DeefOeleeie jeefMe 8.52 1
`1.00 kejes[ mes kece keer Mes
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F
ceoW 31.3.2
1 KeeleeW keer mebKee 54
2 keg ue yekeeee 525
3 eehle kegue eefleHeue 295
(v) ceeveke Deeef mleeeW kes efueS efkeee ieee eeJeOeeve
ceoW 31.3.2
ceeveke DeeefmleeeW nsleg eeJeOeeve 521.00
She. JeeJemeeef eke Devegheele
ceoW 2010
(i) keee&Meerue efveefOeeeW kes eefleMele kes he ceW yeepe Deee* 8
(ii) keee&Meerue efveefOeeeW kes eefleMele kes he ceW iewj-yeepe Deee* 0
(iii) keee&Meerue efveefOeeeW kes eefleMele kes he ceW heefjeeueve ueeYe* 1
(iv) DeeefmleeeW hej eefleHeue** 0
(v) eefle kece& eejer JeJemeee*** (pecee+ Deefiece) (` ueeKe ceW) 835
(vi) eefle kece&eejer ueeYe (` ueeKe ceW) 3
*keee&Meerue efveefOe ceW efJeeere Je
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(i) mLeeJej mecheoe #es$e mecyebOeer Skemeheespej
esCeer 31.3.2S) ele#e efveJesMe
(i) DeeJeemeere ceeiexpe -DeeJeemeer e mecheef e hej yebOeke kes eje $e+Ce hetjer lejn mes jef#ele nw, DeLee&le ee lees
GOeejkelee& eje keypes ceW nw DeLeJee efkejees hej nw :(Ghee& gkele ceW Meeefceue Jeefeiele DeeJeeme $e+Ce eeLeefcekelee #es$e ceW Meeefceue kejves kes efueS
hee$e nw)
8128
(7361
(ii) JeeefCeefpeke mLeeJej mebheoe - 8384(iii) cee@iexped DeeOeeefjle eefleYetefleeeb (SceyeerSme) SJeb Deve eefleYetefleke= le SkemeheespejeW ceW efveJesMe
DeeJeemeereJeeefCeefpeke mLeeJej mebheoe.
30
yeer) Deele#e efveJesMe
(i) je^er e DeeJeeme yeQ ke (SveSeyeer) SJeb DeeJeeme efJee kebheefveeeW (SeSHemeer) ceW efveefOeDeeOeeefjle SJeb iewj-efveefOe DeeOeeefjle efveJesMe.
(ii) Deve667167
eesie 17350
(ii) hetbpeer yeepeej Skemeheespej
ceoW 31.3.2
i) FefkeJeer MesejeW, heefjJele&veer e ef [yeWejeW SJeb FefkeJeer Gvceg Ke cetegDeue Heb [ keer etef veeW ceWele#e efveJesMe efpevekeer cetue efveefOe kesJeue kee@heexjs $e+Ce ceW efveJesMe veneR keer ieF& nes. 773
ii) JeweefekeeW kees Mesej/yee@C[/ef[yeWej DeLeJee Deve eefleYetefleeeW kes mece#e DeLeJee iewj-eefleYetefle
DeeOeej hej (DeeF&heerDees/F&SmeDees heer meefnle), heefjJele&veer e ef [yeWejeW SJeb cetegDeue Heb [ keerFefkeJeer GvcegKe FkeeFeeW ceW efveJesMe nslegDeefiece. 6
iii) efkemeer Yeer Deve eeespeve nslegDeefiece efpeveceW Mesej DeLeJee heefjJele&veere yee@C[ DeLeJee heefjJele&veereef[yeWej DeLeJee FefkeJeer GvcegKe cet egDeue Heb[ kes etefveeW kees eeLeefceke eefleYetefle kes he ceWefueee ieee nw.
(iv) Deve eeespeve kes efueS MesejeW DeLeJee heefjJele& veere yee@C[ DeLeJee heefjJele&veer e ef[yeWejeW DeLeJee FefkeJeer Gvceg Ke cetegDeue Heb[ keer etefveeW keer meercee leke jef#ele Deef iece DeLee&le peneb hej MesejeW/heefjJele& veere yee@C[/heefjJele&veere ef[yeWejeW/Fefke Je GvcegKe cetegDeue Heb [ keer etefveDeefieceeW kees hetjer lejn jef#ele veneR kejleer nQ. 1286
(v) me@ke-yeeskejeW kees eefleYetle leLee DeeefleYet le Deefiece leLee me@ke-yeeskejeW SJeb ieewCe yeepeej kesecegKe keer Deesj mes peejer ieejbefeeb. 119
vi) kee@heexjs kees MesejeW/yee@C[eW/ef[yeWejeW DeLeJee Deve eefleYetefleeeW kes mece#e DeLeJee yespeceeveleerDeeOeej hej eJele&keeW kes YeeJeer mebmeeOeveeW keer eleeMee kes lenle Gvekes FefkeJeer DebMeoeve kees hetje
s s f r
J
(iii) peesefKece esCeerJeej osMeere Skemeheespej :
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peesefKece esCeer ef oveebke 31 ceee&, 2011
kees efveJesMe (Meg)
efoveebke 31 ceee&, 2011
kees Oeeefjle eeJeOeeve
efoveebke 31 ceee&, 2010
kees Skemeheespej (Meg)Deeeespe 1541.24 ef vejbke 685.91
efvecve 479.61 efvejbke 511.50
ceOece 250.12 ef vejbke 76.61
Ge 6.93 efvejbke 29.93
DeleefOeke 38.36 efvejbke 13.16
meerefcele 0.31 efvejbke 0.00$e+Ceslej 0.00 efvejbke 0.00
eesie 2316.57 efvejbke 1317.11
etbefke Je
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(S) yeerme ye[s GOeejkelee&Deesb kee kegue Deefiece
(yeer) yeerme ye[s GOeejkelee&Deesb kes kegue Deefiece kee yeQke kes kegue Deefiece ceW eefleMele
11.3 Skemeheespej kee kesverkejCe
(S) yeerme ye[s GOeejkelee&Deesb/ieenkeeW kee kegue Skemeheespej
(yeer) yeerme ye[s GOeejkelee&Deesb/ieenkeeW kes kegue Skemeheespej kee yeQke kes kegue Skemeheespej ceW eefleMele
11.4 SveheerS kee kesverkejCe
(S) Meer
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12 S Jele&ceeve Je
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efoveebke 31 ceee&, 2011 kees Gefele cetue hej eespevee Deeefmleeeb
efJeJejCe ef oveebke 31 ceee&, 2011 keesmeceehle Je
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ecemebKee
efJeJejCe efoveebke 31.03.11kees meceehle Je
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Meee eue ene ekeS eS n.
iv) Deve yeQefkebie Keb[ ceW Jes meYeer Deve yeQefkebie heefjeeueve Meeefceue nQ, pees Ghee& ge leerveeW esefCeeeW ceW Meeefceue veneR nQ.v) meeceeve yeQefkeie heefjeeueve ecegKe mebmeeOeve mebienCe FkeeF& nw leLee ^spejer Keb[, eege Deewmele Heb[ kees ieCevee ceW uesles ng
efueS hetjke kee keee& kejlee nw.
vii) ueeiele kee Deeyebve :
S Ske efJeefMe Keb[ mes mebyebefOele Keex meer Oes Gme Keb[ kees Deeyebefle efkeS peeles nQ.
yeer Ske efJeefMe Keb[ mes meerOes mecyebOe ve jKeves Jeeues Keees kees efveeesefpele Heb[ ceW meceevegheele he ceW Deeyebefle efkeee
meer) uesKee ceeveke 18 kes Devegmeej mebyeOo heeer&ekeerkejCe - mecyeOo heeer&
1. mecyeOo heeef &eeW keer meteer:
(S) ecegKe eyebOekeere heoeefOekeejer
veece heoveece
i) eer Sme.eerOej DeOe#e SJeb eyebOe efveosMeke
ii) megeer Jeer.Deej.Deej keee&heeueke efveosMeke
iii) eer Deej.kes.ogyes keee&heeueke efveosMeke
iv) eer jeceveeLe eoerhe keee&heeueke efveosMeke (Deiemle 2010 leke)
v) eer DeCe keewue keee&heeueke efveosMeke (Deiemle 2010 leke )
(yeer) Deveg
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ece
mebKee
mecyeOo heee ee evecve
efoveebke kees
eveJeMe $e+Ce Deeemleee kee Kejeo $e+Ce Deeemleee kee
efyeeer
#e.iee.ye.kee $e+Ce
JeJemLee
DeeF&yeer
mebeeer Je
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yeke kee Deeemle ee kee Ske ye[e ee e Je eJeee e Deeemle ee n, epe n Deeemle ee ej nee e kee ueKeeke e ee eke 28 uee et ene n
31 ceee&, 2011 kees efJeeere DeeefmleeeW kes DeueeJee Deve DeeefmleeeW hej keesF& ye[er neefve heefjueef#ele veneR ngF& nw. efpemes ceev(SHe) eeJeOeeveeW, Deekeefmceke oseleeDeesb SJeb Deekeefmceke DeeefmleeeWb hej - uesKeebkeve ceeveke 29
i) eeJeOeeve ceW keceer/ye{esejer :
efJeJejCe efoveebke 01.04.2010kees eejbefYeke Mes
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31.03.2011
S) Je
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e.meb. efJeJejCe ef oveebke 31.03.2011
S Heefjeeueve ieefleefJeefOeeeW mes vekeo HeJeen
kej mes HetJe& Meg ueeYe 1,627.18
I efvecve kes efueS meceeeespeve:
Deeue DeeefmleeeW Hej cetueeme 118.69
efveJesMe Hej cetueeme (HeefjHeJeJe ef[yeWejeW meefnle) 150.98
yes Keeles [eues ieS DeMeesOe $e+Ce/ iewj efve
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[e vekeoe SJe vekeoelegue ce Meg Je=e (S+ yee+ mee) DeLeJee (SHe - F) (3,934.21)
F& Je
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1. meYeeeJele eeepe #e$e
iegCeelceke ekeerkejCe
(S) cetue yeQke : meW^ue yeQke Dee@@He Fbef[ee
Fme Meer ceW meW^ue yeQke Dee@ @He Fbef[ee kee ekeerkejCe Skeue DeeOeej kes he ces nw.
(yeer) mecesefkele KeeleeW ceW, yeQke keer Deveg
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t
iegCeelceke ekeerkejCe
S) Mesej hetbpeer
efoveebke 31 ceee& 2011 ceW yeQke keer DeefOeke= le hetbpeer `3000.00 kejes[ nw, yeQ ke eje peejer, DeefYeolle leLee eoe DebMehetbpeer` 404` 10/- keer jeefMe kes 404141460 DebMe Meeefceue nQ.
efoveebke 31 ceee& 2011 keer efmLeefle ceW Ge ceW mes 80.20% DebMeOeeefjlee Yeejle mejkeej kes DeOeerve nw efpemeceW kegue 324141500 DebMe
2.1 $e+Ce hetbpeer efueKele
2.2.1 ef ejI hetbpeer kee efJeJejCe
efej 1 hetbpeer peejer efleef Le DeJeef Oeceen ceW
eefleosekeerefleefLe
jeefMe(kejes[ ceW)
yeepe oj
DeeF&heer[erDeeF& 30.03.2009 hejhesegDeue hejhesegDeue 583.00 mejkeejer eefleYetefle + 25hegvece&tueebef kele, ceee& ceW efJeeerefueS yeepe oj 10.44%nw
heerSvemeerheerSme 26.11.2006 hejhesegDeue hejhesegDeue 800.00 jshees+100 yeerheer Sme eefleJe
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meerjer ]pe peejer efleefLe eef leose keer efleefLe jeefMe (`
kejes[ ceW)IX 08.10.2004 08.06.2014 200.00
X 28.03.2006 28.06.2015 578.00
XI 04.10.2006 04.10.2016 700.00
XII 03.03.2008 03.05.2017 389.00
ueesDej efej II (Sr- XIII) 10.02.2009 10.04.2018 270.00
eesie 2137.30
heefjceeCeelceke ekeerkejCe
yeer) efejI hetbpeer
efvecve kes Deueie ekeerkejCe kes meeLe
eoe Mesej hetbpeer
Deejef#ele efveefOeeeb
veJeesvces
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iegCeelceke HekeerkejCe
(S) Jele&ceeve leLee YeeJeer ieefleefJeefOeeeW kees mebeeefuele kejves kes efueS yeQke keer Hetbpeer Heee&Hlelee kes ef veOee&jCe nslegyeQke kes o=ef
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yeke ce Deye Skeeke=le peeeKece eyeOeve eCeeuee megJeJeemLele n. eveoMeke ce[ue kee Ske meeceele yeke ke eJeeJeOe peeeKece ke Deleiele pkeee&eCeeueer kee efveeefcele he mes DeJeueeskeve kejleer nw pewmes $e+Ce, heefjeeueve, yeepeej Deeefo, yeQke ves eleske peesefKece kes mecePeewles kesefpemeceW DeOe#e SJeb eyebOe efveosMeke/keee&heeueke efveosMeke kees erce ceW Meeefceue kejles nges Deueie meefceefle kee ie"ve efkeee ieee pewmes Dmeefceefle, $e+Ceveerefle meefceefle, heefjeeueve peesefKece meefceefle. Fve meefceefleeeW eje efJeefYeVe yeQefkebie heefjeeueve kes Debleie&le peesefKece mlej kee efkejves nsleg efveeefcele yew"keW keer peeleer nQ leLee peneb DeeJeMeke nes, Jeneb peesefKece kece kejves nsleg Gefele Gheee efkees peeles nw.
kesvere keeee&uee mlej hej peesefKece eyebOeve efJeYeeie kes Meer
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iegCeelceke ekeerkejCe
$e+Ce peesefKece
efheues ose leLee Devepe&ke keer heefjYee
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(S) kegue mekeue $e+Ce SkemeHeespej :efveefOe DeeOeeefjle :iewj-efveefOe DeeOeeefjle :
(yeer) SkemeHeespej kee Yeewieesefueke mebefJelejCe : efJeosMeer
Iejsuet
efveefOe
(meer) SkemeHeespej kee GeesieJeej mebefJelejCe :keeseueeKeoeveueesne SJeb merueDeve Oeeleg SJeb Oeeleg-GlHeeomeYeer Hekeej kes FbpeerefveeeEjieefJeeglemetleer Jeeeseesie
pet JeeeseesieDeve JeeeseesieMekekejeeeKeee HemebmkejCe
JevemHeefle lesue SJeb JevemHeeflelecyeeket SJeb lecyeeket-GlHeeo keeiepe SJeb keeiepe-GlHeeojye[ SJeb jye[-GlHeeokesefcekeue, [eF& SJeb HesvmeerceWece[e SJeb ece[e-GlHeeojlve SJeb mJeCe&-DeeYet
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DeJeceeveke mebefoiOe neefve
(SHe)efveJeue Devepe&ke Deeefmleeeb (SveHeerS)
(peer) Devepe&ke DeeefmleeeW (SveHeerS) kee DevegHeele mekeue DeefieceeW keer leguevee ceW mekeue Devepe& ke Deeefmleeeb
efveJeue DeefieceeW keer leguevee ceW efveJeue Devepe&ke Deeefmleeeb
(Se)Devepe&ke DeeefmleeeW (mekeue) ceW HeefjJele&ve HeejefcYeke Mes
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iegCeelceke HekeerkejCe
(ke) Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej $e+Ce peesefKece kes efueS Hetbpeer-HeYeej keer ieCevee nsleg yeQke ves ceevekeerke=le ef
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iegCeelceke HekeerkejCe :
efvejbke
HeefjceeCeelceke HekeerkejCe
yeQeEkeie yener
([er) yeQke eje eefleYeteflele SkemeHeespej keer kegue jeefMe.(F&) Jele&ceeve DeJeefOe kes oewjeve, yeQke eje Skemeheespej (GoenjCeeLe& esef[ kee[&, DeeJeeme $e+Ce, Dee@es $e+Ce Fleeefo kees HetJee&efOekeej
HeefleYetefle eje yeesjsJeej) kes ceeOece mes DeefYeefeefvnle HeefleYeteflele neefveeeW kes SkemeHeespej kes efueS.
(SHe) Je
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iegCeelceke HekeerkejCe
yeQke kes Heeme megmHe
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iegCeelceke HekeerkejCe
Heefjeeueve peesefKece, neefveeeW keer peesefKece nw, pees Deebleefjke Heef eee, JeefkeleeeW leLee HeCeeueer keer DeHeee& Hlelee DeLeJee DemeHeuelee DeHeefjCeecemJeHe Heke nesleer nw. Heefjeeueve peesefKece ceW keevetveer peesefKece Meeefceue neslee nw, HejvlegFmeceW DeHesef#ele peesefKece leLee Heefle
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eelemesvue yeQke Dee@@He Fbef[]ee kee efveosMeke ceb[ue
1. nceves efoveebke 31 ceee&, 2011 kees meceehle Je
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ke=les ces. meeiej SC[ DemeesefMeSmemeveoer uesKeekeej
SHe.Deej.veb.003510Sme
ke=les ces.peer.Sme.S. DemeesefMeSmemeveoer uesKeekeej
SHe.Deej.veb.000257Sve
ke=lesces. [er. jbieemmeveoer u
SHe.Deej.veb.
(meerS efJeeemeeiej yeeyet)Yeeieeroej
meomelee meb .27357
(meerS megveerue DeieJeeue)Yeeieeroej
meomelee meb.83899
(meerS peveveerYeeie r
meomelee ke=les ces. kes.Sme. Deej SC[ kebheveer
meveoer uesKeekeejSHe.Deej.veb.100186[yuet
ke=les efIeee SC[ kebheveermeveoer uesKeekeej
SHe.Deej.veb.1088meer
ke=les ces. mewcemebo Smeveoer u
SHe.Deej.veb
(meerS jIegJeerj Sce. Deej)Yeeieeroej
meomelee meb .32128
(meerS mebpee efIeee)Yeeieeroej
meomelee meb.072467
(meerS efceuevYeeie r
meomelee m
mLeeve : cegbyeF&eqoveebke : 30 ceF&, 2011
iii. en meceekele vekeo eJeen eJelejCe meyeeOele Je
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De egmetee meKee eo eeke 31 ceee,2011 kees
`
Hetbpeer SJeb oseleeSbHetbpeer 1 2021,14,15Mesej DeeJesove jeefMe 2025,68,36Deejef#ele efveefOeeeb SJeb DeefOeMes
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me ee e e me ee le e e`
I. DeeeDeefpe&le yeepe SJeb ueeYeebMe 13 15274,16,10Deve Deee 14 1239,49,06
kegue 16513,65,16II. Jee
Heoe yeepe 15 9897,56,60 Heefjeeueve Jee 16 4004,92,19He eJeOeeve SJeb DeekeefmcekeleeSb 1343,31,80
kegue 15245,80,59III. ueeYe / neefveJe
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2011 kees` `
Devegmeteer 1 : Hetbpeer
eeefOeke=le Hetbpeer 3000,00,00
efveie&efcele, DeefYeoe SJeb Heoe Hetbpeer : 404,14,15 404,
`10 Heefle Mesej kes 4041,41,460 FefkeJeer Meseme&
(kesv mejkeej eje Oeeefjle 3241,41,460 Meseme& meefnle)DeefOeceeveer Mesej Hetbpeer yesef ceeeoer Demebeeer 1617,00,00 2021,14,15 1367,0
eesie 2021,14,15
Devegmeteer 2 : Deejef#ele efveefOeeeb SJeb DeefOeMes
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2011 kee` `
Devegmeteer 2 S : ceeevee@efjer efnle
efpeme efoveebke kees cetue/Deveg
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2011 kee` `
Devegmeteer 5 : Deve oseleeSb SJeb HeeJeOeeve
I. ose efyeue 344,02,30 448,4
II. Deblej keeee&uee meceeeespeve (Meg) 0
III. GHeefele yeepe 928,66,41 727,3
IV DeemLeefiele kej oseleeSb 146,49,18 308,0V. Deve (HeeJeOeeve meefnle) 5260,18,56 6679,36,45 4070,0
eesie 6679,36,45
Devegmeteer 6 : Yeejleere efj]peJe&yeQke ceW vekeoer SJeb Mes
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2011 kee` `
Devegmeteer 8 : efveJesMeI. Yeejle ceW efveJesMe : *
i) mejkeejer HeefleYetefleeeW ceW 47761,96,17 44848,9ii) Deve Devegceesefole HeefleYetefleeeW ceW 84,36,82 130,5iii) Meseme& ceW 808,06,75 599,3
iv) ef[yeWeme& SJeb yee@C[dme ceW 3526,80,08 2830,8v) DemeesefMeSdme ceW efveJesMe 287,15,64 387,3vi) Deve (eterDeeF& Meseme& SJeb keceefMe&eue, cegegDeue HeC[
etefve Deeefo) 2079,99,68 1908,554548,35,14
II. Yeejle kes yeenj efveJesMe**i) mejkeejer HeefleYetefleeeW ceW b ii) DemeesefMeSdme ceW efveJesMe 31,86,13 34,3
31,86,13eesie 54580,21,27* Yeejle ceW efveJesMe :
mekeue cetue ceW efveJesMe 54890,94,71 52151,0IeeSb : cetueeme nsleg HeeJeOeeve 342,59,57 1445,4
Meg efveJesMe 54548,35,14** Yeejle kes yeenj efveJesMe :
mekeue cetue ceW efveJesMe 31,86,13 34,3IeeSb : cetueeme ns leg HeeJeOeeve
Meg efveJesMe 31,86,13eesie 54580,21,27
Devegmeteer 9 : $e+Ce SJeb DeefieceS. i) Kejeros ieS SJeb YegveeS ieS efyeue 1937,60,90 1340,0
ii) vekeoer $e+Ce, DeesJej[eHe SJeb ceebie Hej Heefleose $e+Ce 37941,65,76 31766,2iii) ceereeoer $e+Ce 89961,30,72 129840,57,38 72356,
eesie 1298405738yeer. DeefieceeW kes efJeJejCe :
i) cetle& DeeefmleeeW eje jef#ele 95519,60,35 81086,(yener $e+Ce kes mece#e Deefiece meefnle)
ii) yeQke/mejkeejer ieejber eje jef#ele 9493,78,69 5760,6iii) Dejef#ele 24827,18,34 129840,57,38 18615,7
s
mesvue yeQke Dee@]He Fbef[ee
efoveebke 31 ceee&,
efoveebke 31 ceee&, 2011 kees mecesefkele legueve He$e keer Devegmetefeeeb
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,2011 kees
` `
Devegmeteer 10 : Deeue DeeefmleeebI. Heefjmej
(ueeiele/Hegvecet &ueve ueeiele Hej)efHeues Je
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meceeHle Je
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leeel e e enuegDee me, eejle e mee ee elee m ee e= le ueKee e e emeelee (peeSS ee) e De eg e n, pee uee etmeee eee e ee e(DeejyeerDeeF&) eje efJeefveefo& ef Jeefveeeceke ceeveob[eW, uesKeebkeve ceevekeeW (SSme) leLee Fbmeret Dee@he ee&[& DekeeGvdme Dee@he
peejer GoIees
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iii) e ee e e eueS G euey e
Jes efveJesMe pees Ghee&ge esefCeeeW ceW Jeieer&ke=le veneR efkeS pee mekeles nQ.
3.3 esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe :
efveJesMeeW keer leerve esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe/yeoueeJe Deb lejCe keer leejerKe hej DeefOeienCe ueeiele/yener cetue leLee kece nw, hej uesKeeiele efkeee peelee nw. Ssmes DeblejCe hej cetueeme, eefo keesF& nes, lees Gmekee hetCe&leee eeJeOeeve efkeee peelee nw.
3.4 cetueebkeve :
i) heefjhekeJelee leke Oeeef jle :Fme esCeer kes Debleie&le Jeieer &ke=le efveJesMe kees DeefOeienCe ueeiele hej cetueebefkele efkeee peelee nw. Debefkele cetue mes DeefOeke DeefOeDeeefOekee Mes
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n n F n j j t t [ gm j S S MeeJeOeeve efkeee ieee nw. Deefiece keer eke=efle kes ef[yeWej/yee@C[, DeefieceeW hej ueeiet meeceeve efJeJeskehetCe& ceeveob[eW kes DeOeerve j
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n, Fveke eJeJejCe evecveJele n :
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3.4 Mesej efveie&ce kes Kee& :
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3.5 heefjmej :
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efJeJejCe efoveebke 31 ceee&, 2011 keesmeceehle Je
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y eepe oj 8% 8% 8%
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DeemLeefiele kej Deeefmleeeb SJeb DeemLeefiele kej oseleeDeesb kes eceg Ke Ieke efvecveevegmeej nQ:
31.3.201
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ger vekeoerkejCe kes efueS eeJeOeeve 71.76
heWMeve SJeb iesegFer kes efueS eeJeOeeve 301.53
Jesleve mebMeesOeve kes efueS eeJeOeeve eesie (S): 373.2
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J
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efoveeb ke 01.04.2010
kees eejbefYeke
Je
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kej 1426.07 637.64 132.23
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[e. keeheej/meceie #e$e ce ^m/Yeeieeoej Hece, kecheeveee leLee meeeJeeOeke evekeeee ke Je meYee Deeiece Meeeceue n, pee eke KegoveneR efkeS ieS nQ.
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31.3.2011
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t g
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yes Keeles [eues ieS DeMeesOe $e+Ce/iewj-efve
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yeQkeeW kes Heeme Mes
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He=
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efoveebke 29 pegueeF&, 2011
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meome kee veece (mHe
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Chairman & Managing DirectMessage
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Dear Shareholder,
I am delighted to present the Annual Report for the year ended 31st March, 201
During the year, the nascent global recovery came under increasing pressure fr
commodity prices. This was further accentuated by the sovereign balance sh
Euro Zone. Global inflation resurfaced as a result of the transmission of risin
commodity prices and spillover from past food and some wage price inflation
core inflation remained subdued in most advanced economies which contin
accommodative monetary policies vis--vis anti-inflationary monetary policy
EMEs.
In India, headline inflation exhibited strong presence and remained above the c
through the year. The food inflation spilled over to the manufacturing sector f
2010 as producers were able to pass on cost escalation amidst strong demand. A
concerns resulted in tight monetary policy stance of the Reserve Bank of Ind
Annual R
110320131272
162107
107118
179356
131407
8674074287
184607 (Gr.35.48%)
218012 (Gr.18.10%)
269225 (Gr.23.5%)
310763 (Gr.15.43%)
100000
150000
200000
250000
300000
350000
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As a result of effective business strategies, the Bank was able to bring down cost of funds from
6.8 per cent in March 2009 to 5.82 per cent in March, 2011. During this period, our Net Interest
Income recorded growth of over 109 per cent and the Net Interest Margin - which was below
2 per cent in the past - improved to 3.31 per cent. Despite providing for increased pension and
other liabilities, our net profit in March 2011 was at` 1252 crore.
Our Brand received a boost as a result of various high profile brand building efforts and
culminated in the Banker magazine (UK) recognizing us as one of the Top 500 banks worldwide.
Our investors reaffirmed their confidence, when the Rights Issue amounting to ` 2497 crore
was oversubscribed. This shall augment our Tier I Capital and enable us to meet increased
credit requirement of the economy. Factoring in the proceeds of the Rights Issue, which closed
in April 2011, our CRAR in March 2011 would have been 13.57 per cent.
I shall be laying down office on superannuation on May 31st
, 2011. It has been a great honourand privilege to lead one of the largest Public Sector Banks- particularly in its centenary year.
At the commencement of my tenure in March 2009, I had set out to achieve enhanced value
for all the stakeholders in the Bank, which I hope has been redeemed in some measure. This
0
DEPOSITS
2007.08 2008-09 2009-10 2010-11
ADVANCES TOTAL BUSINESS
50000
GROWTH OF PROFIT DURING 2008-2011 (` in crore)
OPERATING PROFIT NET PROFIT
12681437
2058
2591
1252
1058
571550
0
500
1000
1500
2000
25000
3000
2007.08 2008-09 2009-10 20010-11
Central Bank of IndiaHead Office, Chandermukhi Nariman Point, Mumbai - 400021
NOTICE
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Head Office, Chandermukhi, Nariman Point, Mumbai 400 021
NOTICE
Notice is hereby given that the Fourth Annual General Meeting of the shareholders of Central Bank of India
29th July, 2011 at 3.00 P.M. at Sir Sorabji Pochkhanawala Bankers Training College, Near Cooper Hospital/Re
JVPD Scheme, Vile Parle (west), Mumbai, 400056 to transact the following business :
1. To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March 2011, Profit an
Bank for the year ended 31st March 2011, the report of the Board of Directors on the working and ac
the period covered by the accounts and the Auditors report on the Balance Sheet and Accounts.
2. To declare dividend for the financial year 2010-11.
BY ORDER OF THE BOA
A K DA
Place : Mumbai Assistant GenerDate : May 30, 2011 (Company Se
NOTES:
1. APPOINTMENT OF PROXY:
A SHAREHOLDER ELIGIBLE TO ATTEND AND VOTE, IS ENTITLED TO APPOINT A PROXY TO ATTEND AN
HIMSELF / HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE BANK.
The instrument appointing proxy should, however be deposited at the Head Office of the Bank situat
Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e. on
24th July, 2011.
2. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE :
No person shall be entitled to attend or vote at any meeting of the shareholders of Central Bank of India
representative of a company unless a copy of the resolution appointing him as a duly authorized repre
be a true copy by the chairman of the meeting at which it was passed, has been deposited at the He
situated at Chandermukhi, Nariman Point, Mumbai, 400021 not less than four days before the date fixeon or before 5.00 PM on 24th July, 2011.
3. No officer or employee of the Bank shall be appointed as Authorised Representative or proxy of
Annual R
2011 and to the shareholders holding shares in physical form as per the list provided by the Registrar
on the date of the Annual General Meeting of the Bank. Dividend Warrant shall be mailed within one m
the Meeting.
6. BANK MANDATE FOR DIVIDEND OR ELECTRONIC CLEARING SERVICE (ECS) :
With a view to protect shareholders from fraudulent encashment of warrants, shareholders are requ
bank account number, the name of the bank and the branch where they would like to deposit the d
encashment
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encashment.
These particulars along with the name of the shareholder will be printed on the cheque portion of the
that these warrants cannot be encashed by anyone else.
The above mentioned details should be furnished by the first / sole shareholder directly to the Registr
/ DPs quoting the Folio No. or DP ID No. & Client ID No. and the number of shares held on or before 22
If shareholders choose not to submit any modification, the warrants will be printed based on bank ma
by the Registrar or data downloaded from NSDL / CDSL as on 22nd July, 2011 for Shareholders holding sh
form. This is applicable for all shareholders who have not submitted ECS mandate(s).
The Bank is also offering ECS Direct Credit facility for those shareholders who maintain accounts with Central
residing in specified cities. This facility could be used by the shareholder instead of the Bank Mandate system
of dividend. Shareholders are required to give details of their Account numbers and IFS Code No. of their ba
Mandate to facilitate the transfer of dividend to their designated account. For selected Centres, payment th
be effected wherever such facility is available.
7. UNCLAIMED DIVIDEND, IF ANY
The shareholders who have not encashed their Dividend Warrants / or have not received dividend fro
2009-2010 onwards are requested to contact the Registrar and Share Transfer Agent of the Bank for iss
Pursuant to the amendment of The Banking Companies (Acquisition and Transfer of Undertakings) A
provides that the amount of dividend remaining unpaid or unclaimed for a period of seven years from
the Unpaid Dividend Account is required to be transferred to the Investor Education and Protection F
by the Central Govt. under Section 205C of The Companies Act, 1956 and thereafter no claim for respect thereof either to the Bank or to the IEPF.
8. CHANGE OF ADDRESS AND DIVIDEND MANDATE:
In case of shareholders holding shares in physical form, they are requested to intimate to the Regist
Agent of the Bank any change in their address, dividend mandate and the particulars of the bank, bran
number which the shareholder desires to incorporate on the dividend warrant, before commencemen
at the following address:
Link Intime India Private LimitedUnit : Central Bank of India
C-13, Pannalal Silk Mills Compound
LBS M Bh d (W t)
9. RECEIVE DOCUMENTS THROUGH E-MAIL BY REGISTERING YOUR EMAIL ADDRESS
The Ministry of Corporate Affairs has taken a Green Initiative in the Corporate Governance vide its
dated April 21, 2011 and 18/2011 dated April 29, 2011 which enables the entity to effect electronic d
including the Notice of Annual General Meeting, audited financial statements, Directors Report, Auelectronic form, to the e-mail address which you have previously registered with your Depository Pa
valid e-mail address. Investors are requested to register/update their e-mail addresses immediately
Accounts so as to receive delivery of documents including Notice of AGM and Annual Report by e-mail
i h i l d H thi l ith th i t d f N ti f 4th AGM d A
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same in physical mode. However this year, along with the printed copy of Notice of 4th AGM and A
financial year 2010-11 which is being dispatched to all shareholders, a soft copy of the abovesaid Noti
is also being sent by e-mail to all those shareholders whose e-mail addresses were available/registered
Effective September 1, 2011, the e-mail addresses indicated in your respective DP accounts whic
downloaded from NSDL/CDSL will be deemed to be your e-mail address for serving notices/documen
AGM and Annual Report. Shareholders holding shares in physical form desirous of availing electron
documents/notices are requested to immediately register/update their e-mail addresses with our R
Agents namely, Link Intime India Private Limited, C-13, Pannalal Silk Mills Compound, L.B.S. Ma
Mumbai 400 078 .
Please note that while every notice/document will be sent to the email address registered with the Ba
to receive any notice/document in physical form, please intimate by e-mail and the same shall be sen
address registered with the Bank/Depository.
10. REQUEST TO SHAREHOLDERS:Shareholders are requested to bring their copies of the Annual Report enclosed herewith.
BY ORDER OF THE BOA
A K DA
Place : Mumbai Assistant Gener
Date : May 30, 2011 (Company Se
Annual R
DIRECTORS REPORT 2010-11
To the Members,
Your Directors have pleasure in presenting the Banks Annual Report of the Bank along with the Audited stthe Profit and Loss accounts and the cash flow statement for the year ended March 31, 2011.
1. PERFORMANCE HIGHLIGHTS
Total Business of the Bank increased by ` 41538 crore to ` 310763 crore, registering y-o-y growth
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Total Business of the Bank increased by ` 41538 crore to ` 310763 crore, registering y o y growth
Total Deposits increased by ` 17249 crore to ` 179356 crore, registering y-o-y growth of 10.64 p
Gross Advance of the Bank grew by ` 24289 crore to ` 131407 crore, registering y-o-y growth of
Operating Profit increased by ` 533 crore to ` 2591 crore , registering y-o-y growth of 25.90 per
Net Profit increased by ` 194 crore to ` 1252 crore, registering y-o-y growth of 18.35 per cent.
Capital Adequacy Ratio (as per Basel-II) reduced to 11.64 per cent from 12.23 per cent in previous Net worth increased by ` 1181 crore to ` 6909.54 crore, registering y-o-y of 20.68 per cent.
Gross NPA of the Bank reduced by ` 64 crore to ` 2394 crore from ` 2458 crore in previous yea
Gross NPA reduced to 1.82 per cent from 2.29 per cent in last year.
Net NPA increased from ` 727 crore to ` 847 crore in previous year. Net NPA percentage reduced
0.69 per cent in previous year.
Net Interest Margin (NIM) stood at 3.31 per cent against 1.86 per cent in 2010.
Average Business per Employee increased to ` 835 lakh from ` 712 lakh in previous year.
Net Profit per Employee increased to ` 3.96 lakh from ` 3.30 lakh in March 2010.
Credit to Priority Sector increased to ` 41949 crore from ` 35393 crore in previous year, recording
per cent.
Agriculture Advance of the Bank grew by 8.08 per cent, contributing a share of 18.64 per cent in N
is above the RBIs norms of 18 per cent.
7387 beneficiaries were issued Cent Janata Credit Cards during the year.
11877 Self Help Groups formed during the year out of which 11159 groups were credit linked.
Advances to MSE grew by 27.73 per cent from ` 9317 crore in year 2010 to ` 11901 crore. Sixty
identified for focus attention for MSE finance.
1776 villages with the population over 2000 have been brought under Financial Inclusion Plan. Retail loans of the Bank grew by 26.29 per cent from ` 11190 crore (2010) to ` 14132 crore. The
Gross Advance was 10.75 per cent.
Education Loan grew by 31.18 per cent during the year and the total loan reached to ` 1548 cror
Housing Loan portfolio (up to ` 20 lakh) shown a growth of 14.41% and reached to ` 7001 crore.
E-stamping started in the states of Delhi, Karnataka and Tamil Nadu to provide stamping facility.
Electronic uploading of Central Civil Pension has been started.
Bank has been appointed as Registrar by the Unique Identification Authority of India for carrying
for issuance of Unique ID on pan India basis. Corporate Credit increased from ` 75616 crore to ` 93554 crore registering a growth of 23.72 per
Bank has opened 82 new branches during the year and having network of 3728 branches as on 3
All branches have been brought under CBS platform.
2. INCOME & EXPENDITURE
Details of income and expenditure for the period 2010-11 are given hereunder:
` in crore
31.03.2011 31.03.2010 Variati
1 INTEREST INCOME 15221 12064 31
- Advances 11254 8648 26
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- Investments 3767 3307 4
- Others 200 109
2 OTHER INCOME 1265 1735 -4
(Profit on Sale of Investments)3 TOTAL INCOME (1+2) 16486 13799 26
4 INTEREST EXPENDED 9895 9519 3
- Deposits 9063 9121 -
- Others 832 398 4
5 OPERATING EXPENSES 4000 2222 17
- Establishment 2964 1544 14
- others 1036 678 3
6 TOTAL EXPENSES (4+5) 13895 11741 21
7 SPREAD (1-4) 5326 2545 27
8 OPERATING PROFIT (3-6) 2591 2058 5
9 PROVISIONS-NPA/INVST./OTHERS 932 509 4
10 PROVISIONS FOR TAXATION 407 491 -
11 NET PROFIT 1252 1058 1 Interest Income grew by 26.17 per cent during the year
Net Interest Income registered a growth of 109.27 percent
Interest expenses on Deposits reduced to ` 9063 in March 2011 from ` 9121 crore in previous yea
of high cost deposits.
Expenses on employees has gone up by 91.97% because of salary revision for staff & officers and
& gratuity.
3. PROVISIONS
Details of Total Provisions of` 1339 crore charged to the Profit and Loss Account during the year 2010
year are detailed as under:
Annual R
4. SPREAD ANALYSIS
(In
31.03.20
Cost of Deposits 5
Cost of Funds 5
Yield on Advances 10
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Yield on Advances 10
Yield on Investments 7
Net Interest Margin 3
Cost Income Ratio 60
Cost of Deposits decreased from 6.29 per cent in 2011 to 5.71 per cent in 2011.
The yield on advances and yield on investments both increased to 10.29 per cent and 7.14 per ce
and 6.74 per cent respectively in previous year.
Net Interest Margin significantly increased from 1.86 (2010) to 3.31 per cent.
Cost Income Ratio increased from 51.91 per cent in 2010 to 60.68 per cent, on account of inc
expenses
5. BANKING RATIOS
(In
2010-
Interest Income to Average Working Fund (AWF) 8
Non-Interest Income to AWF 0
Operating Profit to AWF 1
Return on Average Assets 0
Business Per Employee (` in lakh) 8
Net Profit per Employee (` in lakh) 3
6. CAPITAL TO RISK WEIGHTED ASSETS RATIO (CRAR)
The components of Capital Adequacy Ratio were as under:
31.03.2011 3
Basel-I Basel-II Base
Risk Weighted Assets(` in crore) 128587 116619 1043
8. CHANGES IN THE BOARD DURING THE YEAR
During the year under review, the following changes took place in the Board of Directors of the Bank:
Shri Ramnath Pradeep has been appointed as CMD of Corporation Bank w.e.f. September 1, 20
Shri Arun Kaul has been appointed as CMD of UCO Bank w.e.f. September 1, 2010.
Smt. V.R. Iyer has been appointed as Executive Director with effect from September 1, 2010.
Shri R.K. Dubey has been appointed as Executive Director with effect from September 1, 2010.
Shri M.K. Bhattacharya ceased to be a Director with effect from July 30 2010
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Shri M.K. Bhattacharya ceased to be a Director with effect from July 30, 2010.
Shri Salim Gangadharan has been appointed as RBI Nominee Director with effect from July 30,
Shri M.S. Johar retired on January 1, 2011.
9. DIRECTORS RESPONSIBILITY STATEMENT
The Directors confirm that in the preparation of the annual accounts for the year ended March 31, 201
The applicable accounting standards have been followed along with proper explanation relating
if any;
The accounting policies framed in accordance with the guidelines of the Reserve Bank of In
applied;
Reasonable and prudent judgement and estimates were made so as to give a true and fair view o
the Bank at the end of the financial year and of the profit of the Bank for the year ended March 3
Proper and sufficient care was taken for the maintenance of adequate accounting records in provisions of the applicable laws governing banks in India ; and
The accounts have been prepared on a going concern basis.
10. CORPORATE GOVERNANCE
The Board of the Bank is committed to adapt Corporate Governance practices in letter and spirit. The B
documented system and practice on Corporate Governance.
11. ACKNOWLEDGEMENT
The Board of Directors places on record its gratitude to the Government of India, Reserve Bank of In
Exchange Board of India for their valuable guidance and support. The Board acknowledges with gra
support and faith of its customers and shareholders. The Board wishes to place on record its apprecia
services and contribution made by members of staff for the overall performance of the Bank.
For and on behalf of tPlace: Mumbai S. Sr
Date : May 30, 2011 Chairman and M
Annual R
MANAGEMENT DISCUSSION & ANALYSIS
PART A ECONOMIC SCENARIO
GLOBAL DEVELOPMENTS
There have been visible signs of recovery of world output growth largely driven by the robust growth in e
The recovery is broadly divided into (i) large output gaps in advanced economies (ii) close gaps in emerging
growth in advanced economies has been estimated at 3% with higher unemployment. In contrast, the em
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g g p y ,
economies have seen growth above 7%, combined with low unemployment. Overall, world real GDP grow
in 2010. China & India contributed about a quarter of incremental world output. The sovereign debt crises
slow real estate markets, the rise in commodity prices & crude oil prices are key downside risks to growth i
emerging economies. IMF has projected 4.4% growth in 2011 & 4.5% growth in 2012 with again large contrib
growth of 6.5% in both years from emerging & developing economies.
DOMESTIC ECONOMY
Indian economy is estimated to grow by 8.6% during the year 2010-11. The sign of moderation in GDP g
during second half of the year mainly due to slow down in capital goods production and investment spendi
prices, rising commodity prices and anti inflationary monetary measures have significantly impacted grow
the year 2010-11. GDP growth during 2011-12 is expected to moderate from its pace in 2010-11, becau
inflation and rising input costs despite a prediction of normal monsoon and positive lead indicators from se
Headline Inflation was the primary macroeconomic concern throughout the year. The WPI-based inflation fo
2011 rose to 8.98%, exceeding the RBIs expectation of 8%. It was driven by a combination of factors, both str
During April-July 2010 it was impacted primarily by food items and fuel, between August to Novembe
influenced by both food and non-food primary articles and minerals and during December 2010 to March
WPI was mainly driven by non-food manufactured products and fuel.
The Consumer Price Index (CPI) also remained elevated during the year 2010-11. The CPI however as again
2010 declined to 8.8-9.1% in March 2011 because of moderation in food prices.
The industrial production during the year 2010-11 showed signs of slowdown. The index of Industrial Prodof only 7.8 % in FY 2010-11 as against 10.5 % during the previous year. The IIP for March 2011 showed
against 15.5 % in the month of March 2010. The slowdown was mainly due to the high base effect & sharp d
& intermediate goods growth rate. The weighted contribution of capital & intermediate goods growth to o
also declined. In contrast, the consumer durables growth has shown a high growth of 20.9% in April-Marc
of a strong private consumption demand. During 2010-11, the index of capital goods grew by 9.3 % and con
against 20.9 % and 6.2 % respectively during the same period in 2009-10.
MONETARY DEVELOPMENTS
For the FY 2010-11, Monetary Policys main focus was to curb inflationary pressure without hampering the c
growth of the economy. RBI continues to take steps for deepening the financial markets in a calibrated man
to strengthen the stability of the financial system in the country. Since April 2010, the RBI has increased Repo
9 ti t ki it t i k t 7 25% & 6 25% ti l Th B t t i t d d i b ki
Bank credit during the year registered a strong growth of 21.4 % as against 16.9 %during 2009-10. The ban
` 693871 crore to ` 3938659 crore as on March 25, 2011. Non-food credit stood at ` 3874376 crore with an
crore and food credit by ` 15793 crore to ` 64283 crore during the year 2010-11. The growth in credit was
to telecom sector and strong demand from infrastructure sector in the latter part of the year.
Part B PERFORMANCE OF THE BANK
BUSINESS
As on 31st March 2011, the total business of the Bank was ` 310763 crore, registering a growth of 15.43% f
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figure of` 269225 crore. The operating profit reached to ` 2591 crore from previous year figure of` 2058 cro
of 25.90%. The Bank has posted the highest ever net profit of` 1252 crore, which marks an increase of 18.3
years net profit of` 1058 crore.
RESOURCE MOBILISATION
The total deposits as on March 31, 2011 stood at ` 179356 crore, registering a growth rate of 10.64% over
components viz. Demand Deposits from others, Savings Bank Deposits and Term Deposits from others reco
CREDIT
As on March 31, 2011 the gross credit of the Bank stood at ` 131407 crore as against ` 107118 crore in the pre
a growth of 22.67%.
The growth in credit is diversified in all segments with higher growth in Retail Credit (26.29%) an
(23.72%).
Outstanding As on 31/03/2011 As on 31/03/2010
R il L 14132 11190
32
Mar'08
Share of CASA to Total Deposits(%)
Mar'09 Mar'10 Mar
32.5
35.78
33.4
35.40
33
33.5
34
34.5
3535.5
36
Annual R
Sr.
No.
Particulars March 2010 March 20
Adjusted Net Bank credit (ANBC) 85935 106
1 Priority Sector Advances
Percent to ANBC
35393
41.19
41
39
2 Total Agriculture Advance
Percent to ANBC
18309
21.31
19
18
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3 Direct Agricultural Advances
Percent to ANBC
11607
13.51
12
11
4 Indirect Agricultural Advances
Percent to ANBC
6702
7.80
7
65 Micro & Small Enterprises 9317 11
6 Education loan 1180 1
7 Housing Loan(upto ` 20.00 lacs) 6119 7
8 Micro Cr. 468
AGRICULTURE
Total Agriculture credit increased by 8.08% from a level of` 18309 crore as on 31.03.2010 to Rs 19790 crore
share to adjusted net bank credit (ANBC) stood at 18.64% .
MICRO CREDIT
The Bank has extended credit of` 269 crore to beneficiaries where the loan amount does not exceed ` 500
MICRO & SMALL ENTERPRISES (MSE)
The advances to MSE increased to ` 11901 crore at the end of the current year from ` 9317 crore as on 31.03
have been identified for focused attention on MSE credit. Extensive training has been provided to Branc
branches at our apex institute in Mumbai. These branches are now adopting cluster-based approach founder the MSE. Further, the Bank is extending collateral free loans up to ` 100 lakh for setting up to units
Enterprises sector, which are also eligible for cover under CGTMSE scheme.
SELF HELP GROUPS
During the year, 11877 groups were formed under the scheme by the Bank. Out of which 11159 groups ha
Since inception of the scheme the Bank has formed 138934 SHGs out of which 88348 groups are credit-link
balance of` 697.14 crore at the end of the year. Out of the credit-linked groups, 71709 are women SHGs
limits of` 553.38 crore.
PERFORMANCE UNDER LEAD BANK:
Our bank is shouldering the responsibility of Lead Bank in 48 districts of the country. The performance of t
year 2010 11 is ` 3540 crore against the total target of Rs 4607 crore for the year 2010 11
AGRICULTURAL DEBT WAIVER AND DEBT RELIEF SCHEME 2008
Bank had lodged the claim under Debt Waiver and Debt Relief scheme 2008 separately with RBI for thei
position is as under:
Debt Waiver scheme Debt Relief scheme To
A/cs Amt. A/cs Amt. A/c
446580 978.53 67072 147.77 513652
RBI/Government of India reimbursed the complete amount of ` 1126.30 crore to Bank.
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RBI/Government of India reimbursed the complete amount of` 1126.30 crore to Bank.
STATE LEVEL BANKERS COMMITTEE (SLBC)
Bank is convener of SLBC in the State of Madhya Pradesh. During the year 2010-11, four SLBC meetings we
monitor the progress made in the state under various parameters including Government sponsored prog
development agencies.
GOVERNMENT SPONSORED PROGRAMME (2010-11)
During the year, the Bank has sanctioned loan under different Government sponsored programme as unde
Sr. No Scheme Disbursement
A/c
1 SGSY 14301
2 SJSRY 4091
3 SRMS 687
4 PMEGP 3295
ADVANCES TO WEAKER SECTIONS
During the year, the Bank has extended loans of` 10707.67 crore to various categories of weaker sectio
10.09% of ANBC, which is above the target envisaged by Government.
ADVANCE TO MINORITY COMMUNITIESGovt. of India in its new Prime Ministers 15 point programme for welfare of Minori