eksfnzd izca/u vksj foÙkh; eè;lfkrk...4-1 o"kz2"09&dzs-1nz sj-uez4fezh-r-113volfkk...

o"kZ 2019&20 ds nkSjku ekSfnzd ?kVukØe

4-1 o"kZ 2019&20 ds nkSjku ekSfnzd uhfr dkdk;kZUo;u la'kksf/r lkafof/d:i js[kkds v/hufd;kx;ktksfd27twu]2016dksykxwgqbZAtuojh2020dsvaresa;FkkfLFkfr]foÙko"kZ2019&20esaekSfnzduhfrlfefr(,eihlh)dhikapcSBdksadkvk;kstufd;kx;kgSAizFkepkjcSBdksaesa,eihlhusekSfnzduhfrdhfLFkfresarVLFkklsmnkjrkdhvksjtkusdkcnykodjrsgq,uhfrxrjsiksnjesadVkSrhdjusdkfu.kZ;fy;kAbljsiksnjdksvizSy]2019

esa6-25izfr'krlsvDrwcj]2019esa5-15izfr'krij ykrs gq, blesa 110 vk/kj vadksa (chih,l)dhdVkSrhdhxbZ(rkfydk1)A,lihlhdk;gfu.kZ;deeqnzkLiQhfrrFkkvFkZO;oLFkkesafuthfuos'kdksizksRlkfgrdj?kjsyw fodkldksl`n`<+djusdhvko';drklsizsfjrFkkA

4-2 fnlacj]2019esaviusikaposaf}ekfldekSfnzduhfrxr fooj.k esa] ,eihlh us vusd dkj.kksa esals ,dc<+rh gqbZ miHkksDrkewY;o`f¼dks js[kkafdrdjrs gq, jsiks njdks 5-15izfr'krijvifjofrZr

ekSfnzd uhfr o"kZ 2019&20 esa mnkj cuh jghA /heh xfr ls fodkl vkSj fujUrj eqnzkLiQhfr ds

dkj.k] mDr foÙk o"kZ esa ,eihlh dh yxkrkj pkj cSBdksa esa jsiks nj esa 110 vk/kj vadksa dh

dVkSrh dh xbZA gkykafd] fnlacj] 2019 esa vk;ksftr ikapoha cSBd esa bls vifjofrZr j[kk x;kA

o"kZ 2019&20 esa vkjafHkd nks eghuksa esa udnh dh raxh dh fLFkfr Fkh_ ijarq ckn esa bl fLFkfr

esa lq/kj gks x;k gSA rFkkfi] vFkZO;oLFkk dks foÙkh; izokgksa esa foo'krk,a cuh jgha D;ksafd cSadksa

rFkk xSj&cSafdax foÙkh; fuxeksa] nksuksa ds fy, gh ØsfMV o`f¼ esa fxjkoV jghA o"kZ 2019 ds ekpZ

ls flarcj ds chp vuqlwfpr okf.kfT;d cSadksa dk ldy vfu"iknd vfxze vuqikr 9-3 izfr'kr

ij vifjofrZr jgk rFkk xSj&cSafdax foÙkh; fuxeksa ds laca/ esa ;g ekewyh o`f¼ ds lkFk ekpZ]

2019 esa 6-1 izfr'kr ls c<+dj flracj] 2019 esa 6-3 izfr'kr gks x;kA vuqlwfpr okf.kfT;d

cSadksa (,llhch) ds tksf[ke&Hkkfjr ifjlaifÙk vuqikr dh iwath ekpZ 2019 vkSj flracj] 2019 ds

chp 14-3 izfr'kr ls c<+dj 15-1 izfr'kr gks xbZA o"kZ 2019&20 ds nkSjku (16 tuojh] 2020

rd) fuÝVh 50 vkSj S&P ih ch (BSE) lsUlsDl fjdkMZ mPprj lhek ij igqapdj Øe'k%

12]335 vkSj 41]952 ij can gqvkA iwoZorhZ lek/ku pSuyksa dh rqyuk esa vkbZchlh (IBC)ds

varxZr lek/ku dkiQh vf/d jgkA 'kkfey jkf'k dh izfr'krrk ds :i esa olwy dh xbZ jkf'k

o"kZ 2017&18 esa 49-6 izfr'kr vkSj 2018&19 dks 42-5 izfr'kr FkkA vkbZ-oh-lh- ds varxZr dh

tkus okyh dk;Zokfg;ksa ds vkSlr yxHkx 340 fnu yxrs gSA ftlesa eqdnesa ckth esa yxk le;

Hkh 'kkfey gSA blds foijhr iwoZ O;oLFkk 4-3 o"kZ yxrs FksA

ekSfnzd izca/u vkSj foÙkh; eè;LFkrk04

rkfydk 1% uhfrxr njksa esa la'kks/u

izHkkoh rkjh[k

jsiks nj

(izfr'kr)

foijhr (fjolZ) jsiks nj

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cSad nj@ ,e,l,iQ nj·

(izfr'kr)

udn fjtoZ vuqikr

(,uMhVh,y dk izfr'kr)

lkafof/d rjyrk (fyDofMVh)

vuqikr (,uMhVh,y dk izfr'kr)

04-04-19 6.00 5.75 6.25 4.00 19.2506-06-19 5.75 5.50 6.00 4.00 19.0007-08-19 5.40 5.15 5.65 4.00 18.7504-10-19 5.15 4.90 5.40 4.00 18.50**

05-12-19 5.15 4.90 5.40 4.00 18.5004-01-20 5.15 4.90 5.40 4.00 18.25lzksr%vkjchvkbZ

fVIif.k;ka%,uMhVh,yusVfMekaMvkSjVkbeyk;fcfyVhgSA

·cSadnjdks13iQjojh]2012ls,e,l,iQnjdsle:icuk;kx;kA··lkfof/dudnhvuqikrdksfofHkUupj.kksaesadededjds18izfr'krijykus];Fkk]5tuojh]2019ls19-25izfr'kr_13vizSy]2019ls19-00izfr'kr_6tqykbZ]2019ls18-75izfr'kr_12vDrwcj]2019ls18-50izfr'kr_4tuojh]2020ls18-25izfr'krrFkk11vizSy]2020ls18-00izfr'krijykusdsfy,vkjchvkbZdh5fnlacj]2018dhvf/lwpukns[ksaA

rkfydk 2% izR;sd o"kZ ds ekpZ ds var esa ekSfnzd leqPp;ksa esa o"kZ&nj&o"kZ o`f¼ (izfr'kr)

Items 2013-14 2014-15 2015-16 2016-17* 2017-18 2018-19 2019-20#

izpkyuesaeqnzk 9.2 11.3 14.9 -19.7 37 16.8 11.9

cSadksadsikludnh 10.7 12.4 6.6 4.2 -2.1 21.4 15.8

turkdsikludnh 9.2 11.3 15.2 -20.8 39.2 16.6 11.8

Hkkjrh;fjtoZcSaddsiklcSadjksadktek

34 8.3 7.8 8.4 3.9 6.4 17.1

ekaxtek 7.8 9.8 11 18.4 6.2 9.6 13.1

fe;knhtek 14.9 10.7 9.2 10.2 5.8 9.6 9.8

vkjf{kr/u 14.4 11.3 13.1 -12.9 27.3 14.5 13.2

ladh.kZ/u 8.5 11.3 13.5 -3.9 21.8 13.6 12.5

Broad Money (M3) 13.4 10.9 10.1 6.9 9.2 10.5 10.4

lzksr%vkjchvkbZfVIi.kh%·1vizSy]2016dhrqyukesa31ekpZ]2017(blesa,evks]lhvkbZlhvkSjvkjchvkbZdsiklcSadjksadktek'kkfeyughagS)# fnlEcj 2019 dks

j[kus dk fu.kZ; fy;kA ,eihlh us izHkkoh ekSfnzduhfrxr ifjorZu gksus rd izrh{kk djus ds viusvk'k;dkHkhladsrfn;kAfjtoZcSad}kjkfd,x,losZ{k.kksa ds lkFk&lkFk fofHkUu vko`fÙk ladsrdksa us

?kjsywvkSjckgjhnksuksaghekaxn'kkvksaesadetksjhdkladsrfd;k_vr%o"kZ2019&20dsfy,okLrfodthMhihvuqekuksadksla'kksf/rdj5izfr'krrddefd;kx;kA

111ekSfnzdizca/uvkSjfoÙkh;eè;LFkrk

112 vkfFkZd leh{kk 2019-20 [k.M 2

4-3 o"kZ2018&19dnkSjkuekSfnzdleqPp;ksadh

o`f¼njksaesa]o"kZ2016&17esafoeqnzhdj.kdsdkj.k

rFkkiqu%o"kZ2017&18esaiqueqZnzhdj.kdhizfØ;k

dsdkj.kvlkekU;O;ogkjdkvuqHkodjusdsckn

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4-4 fnlacj] 2019 rd dh fLFkfr ds vuqlkj

vkjf{kr(fjtoZ)/udho`f¼nj13-2izfr'krFkh

(rkfydk 2vkSj fp=k 1)Avo;o(diksusaV)i{k

dslanHkZesa]eqnzklapyu(lhvkbZlh)dsiQyLo:i

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1)Ïzksri{kdslanHkZesa]o"kZ2019&20dsnkSjkuvcrd(27fnlacj]2019rddhfLFkfr)/u&foLrkjesaeq[;:ilsvkjchvkbZfucyfons'khifjlaifÙk;ksa(,u,iQ,)dk;ksxnku jgktcfdiwoZorhZo"kZdsnkSjku;g;ksxnkufuoy?kjsywifjlaifÙk;ksa(,uMh,)dkFkkA,uMh,dsvarxZrljdkjdksvkjchvkbZ}kjkfn;k tkus okykÍ.k fuoyeq[; usvkjf{kr /udsizlkjesa;ksxnkufd;kgS]tcfdfiNyso"kZdhrqyukesabldkifj.kkefuEurjjgkgSAvU;lzksrksadsvarxZrcSadksadksvkjchvkbZdsnsunkjh;ksaesadehvkbZtksfdo"kZ2019&20esavcrdvf/'ks"kudnh

fp=k 1% vkjf{kr /u o`f¼ (o"kZ nj o"kZ) fp=k 2% O;kid /u o`f¼ (o"kZ nj o"kZ)

-15

-10

-5

0

5

10

15

20

25

30

35

2000-01

2001-02

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

2008-09

2009-10

2010-11

2011-12

2012-13

2013-14

2014-15

2015-16

2016-17

2017-18

2018-19

2019-20*

Per

cent

6

9

12

15

18

21

24

2000-01

2001-02

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

2008-09

2009-10

2010-11

2011-12

2012-13

2013-14

2014-15

2015-16

2016-17

2017-18

2018-19

2019-20*

Per

cent

Ïksr%Hkkjrh;fjtoZcSaduksV%·%fnlacj20]2019dksA

fp=k 3% fe;knh tek (o"kZ nj o"kZ)

0

5

10

15

20

25

30

35

40

45

Apr

-16

Jun-

16

Aug

-16

Oct

-16

Dec

-16

Feb-

17

Apr

-17

Jun-

17

Aug

-17

Oct

-17

Dec

-17

Feb-

18

Apr

-18

Jun-

18

Aug

-18

Oct

-18

Dec

-18

Feb-

19

Apr

-19

Jun-

19

Aug

-19

Oct

-19

Dec

-19

Per

cent

Demand Deposits Time Deposits

Ïzksr%Hkkjrh;fjtoZcSaduksV%fnlacj2019dsvk¡dM+s]fnlacj20rddsgSaA

113ekSfnzd izca/u vkSj foÙkh; eè;LFkrk

voLFkkdkladsrgSAblijvxys[kaMesavf/dfoLrkjlsppkZdhxbZgSA

4-5 O;kideqnzk(,e3)dho`f¼esa2009lsfxjkoVvk jgh gS (fp=k 2)A gkykafd] 2018&19ls blesa FkksM+k c<+ gS] tks eq[;r% ldy tekvksaesao`f¼dsdkj.kgqvkvkSj fnlacj]2019esa;g10-4izfr'krgSA;|fi];guksVfd;ktk,fd;g2000&01ls2018&19dschp14-9izfr'kro`f¼lsdkiQhdegS(fp=k2)Ala?kVdi{kij]blo"kZdsnkSjku,e3esafoLrkjldytekvksadsdkj.kgSftlls20fnlacj2019dks10-1izfr'krdhmPprj

o`f¼ntZdhxbZtks,do"kZiwoZ9-2izfr'krFkhA2019&20esafe;knhtekvkSjekaxteknksuksaesao`f¼gqbZtksfnlacj2018dhrqyukesafnlacj2019esamPpjgh(fp=k3)AÏzksri{kesa]cSad}kjkljdkjdsfy,Í.kls]eq[;r%,e3dsfoLrkjdk;ksxnkujgkgSA

4-6 1990dsn'kddseè;ls2016&17dschp]ekSfnzdxq.kd(,e3@,e0dsvuqikresaekikx;k)vf/drjc<+jgsFks(fp=k4)gkykafd2017&18ls;g?kVjgkgSAekSfnzdxq.kdesa2019&20dsnkSjkuFkksM+hfxjkoVntZdhx;hA(fp=k4)

fp=k 4% ekSfnzd xq.kd (,e 3@,e 0)

2.0

2.5

3.0

3.5

4.0

4.5

5.0

5.5

6.0

6.5

7.0

1980

-81

1981

-82

1982

-83

1983

-84

1984

-85

1985

-86

1986

-87

1987

-88

1988

-89

1989

-90

1990

-91

1991

-92

1992

-93

1993

-94

1994

-95

1995

-96

1996

-97

1997

-98

1998

-99

1999

-00

2000

-01

2001

-02

2002

-03

2003

-04

2004

-05

2005

-06

2006

-07

2007

-08

2008

-09

2009

-10

2010

-11

2011

-12

2012

-13

2013

-14

2014

-15

2015

-16

2016

-17

2017

-18

2018

-19

2019

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lzksr%vkjchvkbZuksV%·fnlacj]2019dks

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lkafof/dudnhvuqikr(,l,yvkj)pkjpj.kksaesaizR;sdckj25vk/kkjfcanqnj(chih,l)dedhxbZtksØe'k%13vizSy2019]6tqykbZ2019]12vDrwcj2019rFkk4tuojh2020lsizHkkohgqbZftllscSadksadh'kq¼lkof/dvkSjekaxmÙkjnkf;Ro(,uMhVh,y)18-25izfr'krgqbZ];gfnlacj2018esa ?kksf"kr :ijs[kk ds vuqlkj gS ftldk y{; gS,l,yvkjdks rjyrk O;kfIrvuqikr (,ylhvkj)lslkFk,d:idjukAfoeqnzhdj.kdsckn]vf/'ks"krjyrkdsl`tdvU;dkjd]nkso"kZdhmPpekaxdsi'pkr~]eqnzkekaxlhferjghA


4-8 2019&20esa(tuojh2020rd)vizSyvkSjebZ]dsoynksekg,sls jgstcljdkjdslhferO;; rFkk udnh dh mPp ekax ds dkj.k rjyrkU;wujghAHkkjrljdkjdsudnh&'ks"kdkekspu&izfro"kZvizSyesa,dfu;fery{k.k&blpkywo"kZesa dkiQhde jgk ftldkdkj.k pqukods nkSjkuvkn'kZvkpkjlafgrkdsykxwgksusdsdkj.kljdkjh[kpZesafu;a=k.kgksukgSAlkFkgh]bldsiQyLo:i]vkj chvkbZ us]vizSyesa rhuo"kZdhle;kof/ds fy, ;w-,l- $5 fcfy;u dh ;w-,l- $/` dh

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fp=k 5% nSfud udnh izca/u

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16-Jan-19

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17-Mar-19

01-Apr-19

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01-May-19

16-May-19

31-May-19

15-Jun-19

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15-Jul-19

30-Jul-19

14-Aug-19

29-Aug-19

13-Sep-19

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4-13 2019&20 dh nwljh frekgh dh 'kq:vkrhvof/dsnkSjkucsapekdZ;hYMesaujehdknkSjtkjhjgk]ftllsvFkZO;oLFkkesafxjkoVdschpnwljsHkkxesadVkSrhdhmEehnFkhA bldscknu,10lkydhizfrHkwfrvkSjdPpsrsydhdheresavizR;kf'kro`f¼dh [kcjds cknykHkizkfIr esa etcwrhvkusyxhAfnlEcj2019dh,eihlhdhcSBddsckntgkaikWfylhjsiksnjvifjofrZrFkhoghanllkydhth&lsdykHkizkfIr(;hYM)16 fnlacj]2019dks6-8izfr'krgksxbZA

4-14 vkjchvkbZ }kjk ^^Lis'ky ekdsZV vijs'ku**]ftldkvFkZFkknh?kZdkfydizfrHkwfr;ksadh[kjhnvkSjlkFkghy?kqvof/dhizfrHkwfr;ksadhfcØhlsnl


lkydsth&lsdijykHkizkfIr(;hYM)dksuhpsykusesalgk;rkdhAbllsnh?kZvkSjvYivof/ckWUMykHkizkfIr(;hYM)dschpvarjdksdedjdsykHkizkfIr(;hYM)oØesalq/kjykusdhmEehncuhAigysnkSjsesa10000djksM+`ewY;dk fcØhvkSj[kjhndhx;hAtks23fnlEcj2019dksiwjkfd;kx;kAnwljkvkSjrhljknkSjØe'k%30fnlEcj]2019vkSj6tuojh]2020dksblhjkf'kdsfy,iwjkfd;kx;kFkkAbldhotglsnllkydhth&lsddhykHkizkfIr(;hYM)esaekewyhfxjkoVvkbZA10o"khZ;cspekdZckWM(6-45izfr'krth,l2020)ykHkizkfIr(;hYM)16fnlEcj]2019dks6-8izfr'krijcangqvkvkSj20fnlacj]2019dks?kVdj6-6izfr'krvkSj02tuojh]2020dks?kVj6-5izfr'krgksx;kArFkkfi10o"khZ;csapekdZesaiqu%ifjorZuvk;kvkSj15tuojh]2020dks;g6-63izfr'krgksx;kA

cSafdax {ks=k

4-15 vuqlwfpr okf.kfT;d cSadksa dk ldy xSjfu"ikfnrvfxzevuqikrizfr'krds:iesath-,u-ih-,-dkldyxSjfu"ikfnrvfxzevuqikrflracj2019dsvaresa 9-3 izfr'kr ijlekucuk jgk]tSlkfdekpZ]2019dsvaresaFkkAblhizdkjmlhvof/esamudkiquxZfBrekudvfxzevuqikr0-4izfr'krijvifjofrZrjgkAvuqlwfprokf.kfT;dcSadksa(,llhch)dkLVsªLMvfxzevuqikr flracj2009rd9-7izfr'kdijcuk jgkAlkoZtfud{ks=kds

cSad(ih,lch)dkth,uih,vuqikr12-3izfr'krijvifjofrZrjgk]tcfdLVªsLM,MokalvuqikrekpZ2019esa12-7izfr'krlsc<+djflracj2019dsvaresa12-9izfr'krgksx;kA

4-16 lkoZtfud{ks=kdscSadksadkiwathvkSjtksf[keHkkfjr ifjlaink vuqikr (dSfiVy Vw fjLd osVsMvuqikr(lhvkj,vkj)ekpZ2019lsflracj2019dschp14-3izfr'krlsc<+dj15-1izfr'krrdgksx;kFkk]cgqrgnrd,slkblotglsgqvkFkkfdlkoZtfud{ks=kdscSadksalhlhvkj,vkjesalq/kjgksukFkkAvuqlwfprokf.kfT;dcSadksadhifjlainkijizfrizkfIr(vkjvks,)2019&20dhigyhfrekghesa(&)0-1izfr'krls0-4rdolwydhxbZtcfdmudhbfDoVhijizfrizkfIrblhvof/dsnkSjku(&)1-6izfr'krdhrqyukesa 4-1izfr'krgks xbZ FkhArFkkficgqrlslkoZtfud{ks=kdscSadekpZ2016lsfujarjÍ.kkRedykHkiznrkvuqikrfn[kkjgsgSaeq[;:ilsizko/kudjusdhvko';drkdsfy,A

ekSfnzd lapj.k

4-17 ekSfnzdlap;dkizlkj.k2019esarhuksaLrjksaijdetksjjgk%njlajpuknj]Í.kdhek=kkvkSjvof/lajpukrhuksaLrjij2019esadetksj]m/kjdhek=kvkSjvof/lajpuk

(d) nj lajpuk%vuqlwfprokf.kfT;dcSadksadhHkkfjrvkSlrm/kjnj(MCY;w,,yvkj)esatuojh

fp=k 8% cdk;k Í.kksa vkSj jsiks nj Hkkfjr vkSlr Í.k nj

5

6

7

8

9

10

11

12

13

Apr

-201

2Ju

l-201

2O

ct-2

012

Jan-

2013

Apr

-201

3Ju

l-201

3O

ct-2

013

Jan-

2014

Apr

-201

4Ju

l-201

4O

ct-2

014

Jan-

2015

Apr

-201

5Ju

l-201

5O

ct-2

015

Jan-

2016

Apr

-201

6Ju

l-201

6O

ct-2

016

Jan-

2017

Apr

-201

7Ju

l-201

7O

ct-2

017

Jan-

2018

Apr

-201

8Ju

l-201

8O

ct-2

018

Jan-

2019

Apr

-201

9Ju

l-201

9O

ct-2

019

Per c

ent

WALR (SCBs) Repo Rate

lzksr%vkjchvkbZ


vDVwcj2019esa40chih,ldhdehvkbZAgkykafd;gdVkSrh]2019dsjsiksnjesadhxbZ135chih,ldhdVkSrhlscgqrdegSA

4-18 bl n'kd esa ØsfMV LizsM (jsiks jsV vkSjMCY;w,,yvkjds chpvarj) lclsÅaps Lrj ijgSAvuqlwfpr okf.kfT;dcSadksa ds cdk;kÍ.k ijMCY;w,,yvkj jsiks njdh rqyuk esa 525 chih,lvf/dgS]tks;gLi"VdjrkgSfd2019esacSadksa

2019ls135chih,ldhjsiksnjesadehgksusdsckotwn2019esafcYdqyfxjkoVughavkbZgSAtuojh2019esavuqlwfprokf.kfT;dcSaddkMCY;w,,yvkj10-38 izfr'kr Fkk vkSj vDrwcj] 2019 esa 10-40izfr'kr gSA (fp=k 8) rktkÍ.kksa ds fy, ekSfnzdlapj.kFkksM+kcsgrjgqvkgSAlkoZtfud{ks=kdscSadksads rktkÍ.kksa ij MCY;w,,yvkj 47 chih,ldhdehgq;hvkSjtcdhfuth{ks=kdscSadksaesatuojhls

fp=k 9% ØSfMV LizSM

3.5

4.0

4.5

5.0

5.5

Apr-2012

Oct-2012

Apr-2013

Oct-2013

Apr-2014

Oct-2014

Apr-2015

Oct-2015

Apr-2016

Oct-2016

Apr-2017

Oct-2017

Apr-2018

Oct-2018

Apr-2019

Oct-2019

Per c

ent

lzksr%vkjchvkbZ

fVIi.kh%uhysjaxdkvk'k;vkjf{krudnhfuf/vuqikr(lh-vkj-vkj)esadVkSrh]ykyjax]jsiksnjesao`f¼gjkjaxjsiksnjesadVkSrhdksn'kkZrkgSA

ØsfMVLizsMdksjsiksjsVvkSjMCY;q,,yvkjdscdk;kÍ.kdsvUrjds:iesaifjHkkf"krfd;kx;kgSA

fp=k 10% cpr tek nj

3.0

3.2

3.4

3.6

3.8

4.0

4.2

Jan.

3, 2

014

Mar

. 14,

201

4M

ay 2

3, 2

014

Aug

. 1, 2

014

Oct

. 10,

201

4D

ec. 1

9, 2

014

Feb.

27,

201

5M

ay 8

, 201

5Ju

l. 17

, 201

5Se

p. 2

5, 2

015

Dec

. 4, 2

015

Feb.

12,

201

6A

pr. 2

2, 2

016

Jul.

1, 2

016

Sep.

9, 2

016

Nov

. 18,

201

6Ja

n. 2

7, 2

017

Apr

. 7, 2

017

Jun.

16,

201

7A

ug. 2

5, 2

017

Nov

. 3, 2

017

Jan.

12,

201

8M

ar. 2

3, 2

018

Jun.

1, 2

018

Aug

. 10,

201

8O

ct. 1

9, 2

018

Dec

. 28,

201

8M

ar. 8

, 201

9M

ay 1

7, 2

019

Jul.

26, 2

019

Oct

. 4, 2

019

Dec

. 13,

201

9

Per c

ent

lzksr%vkjchvkbZ


dhjsiksnjesadehm/kjhnjksadhrjiQdksbZizlkj.kughagSA(fp=k9)

4-19 cprteknjesa2019esa25chih,ldhdehdhx;hgSA(fp=k10)Afe;knhteknjtksvf/degRoiw.kZgS]esatuojh]2019vkSjvDrwcj2019dschpesa16chih,ldhdehns[khxbZgSA,degRoiw.kZlhferdjusokykdkj.kyksdHkof";fuf/(ihih,iQ)tSlhy?kqcpr;kstukijnhtkusokyhnjizrhrgksrhgSAo"kZ2014esaHkkfjrvkSlrfe;knhteknjoghFkhtkslkoZtfudHkfo";fuf/dhFkh]ijUrqvDrwcj]2019dsvarjesamlesavar

115chih,lgS(fp=k11)AblckrdhlaHkkoukughagSfdfe;knhteknjbUghafdLeksadh;kstukvksaijfu/kZfjrnjksaesadehdsfcukdegksldsA

([k) fe;knh lajpuk

4-20 Hkkjrh; fjtoZ cSad dh ekSfnzd lqxerk vkSj,y,,iQrjyrkdkizHkkovYidkyhuC;ktnjksaijjgkAijUrqbl{kfrdhHkjikbZ]nh?kZdkfydifjiDorkdsekè;elsughagksjghgSAD;ksfdo"kZdsizkjaHkesavYidkfydljdkjhizfrHkwfr;ksa(364fnuVhfcy)ijizfriQyesadeh]nh?kZdkfyuljdkjhizfrHkwfr;ksa

fp=k 11% jkT; ljdkjh cSadksa dh fe;knh tek nj vkSj yksd Hkfo"; fuf/ ij C;kt nj yksd

6.0

6.5

7.0

7.5

8.0

8.5

9.0

Feb-

2014

May

-201

4

Aug

-201

4

Nov

-201

4

Feb-

2015

May

-201

5

Aug

-201

5

Nov

-201

5

Feb-

2016

May

-201

6

Aug

-201

6

Nov

-201

6

Feb-

2017

May

-201

7

Aug

-201

7

Nov

-201

7

Feb-

2018

May

-201

8

Aug

-201

8

Nov

-201

8

Feb-

2019

May

-201

9

Aug

-201

9

Per

cent

WATDR (SCBs)

Public Provident Fund

lzksr%vkjchvkbZvkSjfoÙkea=kky;

fp=k 12% ckaM ykHkizkfIr (;hYM) (izfr'kr)

4.8

5.3

5.8

6.3

6.8

7.3

7.8

02-A

pr-1

909

-Apr

-19

16-A

pr-1

923

-Apr

-19

30-A

pr-1

907

-May

-19

14-M

ay-1

921

-May

-19

28-M

ay-1

904

-Jun

-19

11-J

un-1

918

-Jun

-19

25-J

un-1

902

-Jul

-19

09-J

ul-1

916

-Jul

-19

23-J

ul-1

930

-Jul

-19

06-A

ug-1

913

-Aug

-19

20-A

ug-1

927

-Aug

-19

03-S

ep-1

910

-Sep

-19

17-S

ep-1

924

-Sep

-19

01-O

ct-1

908

-Oct

-19

15-O

ct-1

922

-Oct

-19

29-O

ct-1

905

-Nov

-19

12-N

ov-1

919

-Nov

-19

26-N

ov-1

903

-Dec

-19

10-D

ec-1

917

-Dec

-19

24-D

ec-1

931

-Dec

-19

07-J

an-2

014

-Jan

-20

Per

cent

364 day T-Bill Rate 10 Year G-Sec

lzksr%lhlhvkbZ,y


fp=k 13 (d)% cSad ØsfMV o`f¼ (o"kZ nj o"kZ)

fp=k 13 ([k)% {ks=kh; cSad ØsfMV o`f¼ (o"kZ nj o"kZ)

6

8

10

12

14

16

18

Apr

-18

Jun-

18

Aug

-18

Oct

-18

Dec

-18

Feb-

19

Apr

-19

Jun-

19

Aug

-19

Oct

-19

Dec

-19

Per

cen

t

0

5

10

15

20

25

30

May

-18

Jun-

18

Jul-1

8

Aug

-18

Sep-

18

Oct

-18

Nov

-18

Dec

-18

Jan-

19

Feb-

19

Mar

-19

Apr

-19

May

-19

Jun-

19

Jul-1

9

Aug

-19

Sep-

19

Oct

-19

Nov

-19

Per

cent

Industry

Services

Personal Loans

lzksr%vkjchvkbZ

rkfydk 3% eq[; {ks=kksa esa m|ksx okj cSad ØsfMV esa o`f¼ (o"kZ nj o"kZ izfr'kr)

en ekpZ&15 ekpZ&16 ekpZ&17 ekpZ&18 ekpZ&19 uoacj&19#

xSj[kk|ØsfMV 8.6 9.1 8.4 8.4 12.3 7.2

m|ksx 5.6 2.7 -1.9 0.7 6.9 2.4

lw{e,oay?kq 9.1 -2.3 -0.5 0.9 0.7 -0.1

eè; 0.4 -7.8 -8.7 -1.1 2.6 -2.4

cM+s 5.3 4.2 -1.7 0.8 8.2 3.0

oL=km|ksx -0.1 1.9 -4.6 6.9 -3.0 -6.1

volajpuk 10.5 4.4 -6.1 -1.7 18.5 7.0

lzksr%Hkkjrh;fjtoZcSad(vkjchvkbZ)fVIi.kh%vkadM+svuafregSvksjmupqfuankcSadksalslacaf/rgSaftlesalHkhvuqlwfprokf.kfT;dcSadksa}kjkiznkufd,x,90izfr'krrddqyxSj[kk|ØsfMVlekfo"VdjrsgSaA#uoacj22]2019dks

(10o"kZljdkjhizfrHkwfr)dhrqyukesadkiQhrsthxfrlsgqbZgSAHkkjrh;fjtoZcSad}kjk fo'ks"k[kqyscktkjlapkyu}kjkizpkyuesacnykodjusdscknNqV&iqVdehdksNksM+djokLroesaekgvxLr2019dsckn10o"kZljdkjhizfrHkwfrijizfriQyesavf/ddehughavkbZgS(iwoZ[kaMesafooj.k)(fp=k12)A

(x) lk[k o`f¼

4-21ikWfylhnjksaesadehvkusdsckotwnvFkZO;oLFkkesablo"kZdsizkjaHklsghlk[ko`f¼esafxjkoVgksrhjghgSAcSadØsfMVo`f¼(o"kZnjo"kZ)ekgvizSy2019esa12-9izfr'krlslkekU;gksdj20fnlacj2019rd7-1izfr'krgksxbZAlk[ko`f¼esalq/kj

gksukfnlacj2018lsmlle;lsgksx;ktc;g13-9izfr'krFkk(fp=k13(d))Alk[ko`f¼esalq/kjmuO;fDrxrÍ.kksadksNksM+djftudkrhozxfrijvkSjo"kZ2019&20dsnkSjkuvcrdvR;f/drhozxfrijc<+uktkjhjgk]xSj[kk|ØsfMVdslHkhizeq[k[kaMksaesans[kkx;k(vkadM+suoacj]2019rdmiyC/gSa)A,slhujehlsok{ks=kdhØsfMVo`f¼esarhozfxjkoVdsifj.kkeLo:igqbZgSAm|ksxesaØsfMVo`f¼o`f¼HkhgkyghdsekgksaesadkiQh/hehxfrlsns[khxbZgS(fp=k13([k))Ablds/hehxfrgksusdkeq[;dkjd]y?kqvkSjeè;em|eksa,oaoL=km|ksxksadhØsfMVo`f¼dkÍ.kkRedo`f¼gksukgSA(rkfydk3)A


ckWDl 1% cSafdax fofu;eksa ls lacaf/r eq[; ikWfylh esa ifjorZu

1- ifjlaifÙkoxhZdj.kesanjtk?kVk,fcuk^ekud*ds:iesaoxhZd`rlw{ey?kq,oaeè;em|eksadksÍ.kksadh,dckjHkqxrkuvuqlwphiqu%cukusdhvuqefrnsukA

mu,e,l,ebZdkstks1tuojh]2019dk^ekud*dsvuqlkjifjlaifÙkoxhZdj.kdslkFkpwddrkZFksekStwnkÍ.kksadh,dckjHkqxrkuvuqlwphrS;kjdjusdhvuqefr]ifjlaifÙkoxhZdj.kntkZ?kVk,fcuknhxbZFkhA;g;kstukmu,e,l,ebZdsfy,miyC/gStksy{;ekunaMdksiwjkdjrsagSaftlesavU;ckrksadslkFklkFk1tuojh2019dkscSadksa,oaxSjcSafdaxfoÙkfuxeksadsdqy,Dlikstjij25djksM+dhiw¡thHkh'kfeygSAÍ.kksadhHkqxrkuvuwlphiqu%cukusdhLdhedks31ekpZ]2020rdykxwdjukgksxkvkSjbl;kstukdsv/hurS;kjdhxbZÍ.kksadhHkqxrkulwphds[kkrksadslaca/esa5izfr'krdsvfrfjDrizko/kudkscuk,j[kukgksxkA

2- volajpukfuos'kU;klksadkscSadÍ.k%

cSdksadksdqNj{kksik;ksadh'krks±dsv/huvolajpukfuos'kU;klksadksÍ.knsusdhvuqefrnsusdkfu.kZ;fy;kx;kFkkftlesavolajpukfuos'kU;klksadksvkjf{krNksM+nsuslslacaf/rcksMZvuqeksfnruhfr]volajpukfuos'kU;klLrjijudnhizokgdhi;kZIrrklfgrlHkhegRiw.kZiSjkehVjksadkfu/kZj.k]volajpukfuos'kU;klksadklexzfu;a=k.kvkSjfu;a=k.kk/hufo'ks"kiz;kstulaLFkkvksadkcksMZvuqeksfnruhfrdsvarxZrvuqeR;fu;a=k.kdsvarxZrgksuk]fu;a=k.kk/hufo'ks"kiz;kstulaLFkkvksadsdk;Zfu"iknutkjhvk/kjijekWuhVjdjukvkSjmUghavolajpukfuos'kU;klksadksghÍ.knsuktgkadksbZHkhfu;a=k.kk/hufo'ks"kiz;kstulaLFkk^foÙkh;dfBukbZ*dklkeukughadjjghgksA

3- nckoxzLr(LVªsLM)ifjlaifÙk;ksadklek/ku%

fjtoZcSadusnckoxzLr(LVªsLM)ifjlaifÙk;ksadslek/kudsfy,u;kizMsf'k;y<+kapktkjhfd;kgSAnckoxzLrifjlaifÙk;ksadslek/kudsfy,fofu;kedizLrkodsfu;a=kdewyfl¼karfuEuorgSa%&

(i) cSadksadscM+sm/kjdrkZvksa]foÙkh;laLFkkvksavkSjxSj&cSafdaxfoÙkh;fuxe{ks=kksadspwwddrkZvksadh'kh?kzigpkuvkSjfjiksfV±x_

(ii) fofufnZ"Vle;lhekvkSjLora=km/kjewY;kadudh'krks±dsv/hu]lek/ku;kstukvksadsvfHkdYivkSjdk;kZUo;udslaca/esam/kjnkrkvksadksiw.kZfoosdkf/dkj_

(iii) iwoZdhlHkhlek/kuLdheksa(54,],lMhvkj5@25vkfn)dkvfrØe.kdjrsgq,]nckoxzLrifjlaifÙk;ksadslek/kudsfy,lkeatL;iw.kZ:ijs[kk_

(iv) fnokfy;kiudk;Zokfg;ksadksizkjaHkdjusvkSjlek/ku;kstukdsdk;kZUo;uesafoyacdsfy,vfrfjDrO;oLFkkds:iesagrksRlkgudkjZokbZdhiz.kkyh_

(v) iquxZBu fd,tkus ij ifjlaifÙk oxhZdj.k O;oLFkkvksa dks okilysukA Hkkoh ewY;of¼ ;qfDrvof/ds fy,larks"ktuddk;Zfu"iknudslkFkZdizn'kZuijgksukA

(vi) Í.kksadkHkqxrkuvuqlwphiqu%cukusdsiz;kstukFkZ]^foÙkh;dfBukbZ*dkscSafdaxi;Zos{k.klslacaf/rcslylfefr}kjktkjhfn'kkfunsZ'kksadhlaxfresafd;ktkuk_vkSj

(vii) lHkhm/kjnkrkvksa}kjkbaVj&ØsfMVj,xzhesaV(vkbZlh,)ijgLrk{kjdjukvfuok;Zgksxk]ftllsvusdfu.kZ;ysuslslacaf/rekunaMizkIrgksxkA

4- fons'khcsapekdZvk/kfjrÍ.k%

pwafdekStwnk,elh,yvkj<+kapsdsvarxZrcSadksadhÍ.knjesauhfrnjifjorZuksadkgLrkarj.klarks"ktudughaFkk]blfy,]cSadksadsfy,4flrEcj]2019dksfn'kkfunsZ'ktkjhfd,x,FksftuesacSadksadks1vDrwcj]2019lslHkhu,vLFkk;hnjdsO;fDrxrvFkok[kqnjkÍ.kksadksvkSjvLFkk;hnjdsÍ.kksadksfons'khcsapekdZijvk/kfjr,e,lbZlsfuEukuqlkjtksM+ukvfuok;Zfd;kx;kgSA


(d) csapekdZ%cSad]jsiksjsV]3vkSj6eghusdhjktdks"kfcyykHkizkfIrvkSjdksbZvU;csUpekdZtksbafM;kfy-}kjkizdkf'krgks]dkp;udjusesaLora=kgSaaA

([k) izlkj%cSad]fons'khcsapekdZdksizlkfjrdjusdkfu.kZ;ysusesaLora=kgSaArFkkfiÍ.ktksf[keizhfe;eesarHkhifjorZufd;ktkldrkgStcm/kjdrkZdsm/kjfu/kZj.kesaÍ.klafonkesa;Fkkvuqcaf/r]i;kZIrifjorZugqvkgksAbldsvfrfjDr]izpkyuykxrlfgrizlkj.kdsvU;?kVdksadksrhuo"kks±esa,dckkjifjofrZrfd;ktkldrkgSA

(x) C;ktnjksadkiqfuZ;ru%fons'khcsapekdZdsvarxZrC;ktnjdkde&ls&derhuekgesa,dckjiqufuZ;rufd;ktk,xkA

5- lHkh izkbosV {ks=k ds cSadksa (,y,ch] ,l,iQch] ihch MCY;wvks,l ,oa fons'kh cSad lfgr) ds fy,iw.kZdkfyd funs'kdksa @eq[;dk;Zdkjh vf/dkfj;ksa egRoiw.kZ tksf[kr mBkus okyksa vkSj fu;a=.k izdk;ZdeZpkfj;ksavkfndsfy,01]vizSy]2020lsykxwfd,tkusokys{kfriwfrZlaca/hla'kksf/rfn'kkfunsZ'k_

(d) {kfriwfrZdkcM+kHkkxvFkkZrdelsde50izfr'krHkkxifjorZuh;gksukpkfg,(iwoZesa,slhdksbZlhekfu/kZfjrughadhxbZFkh_

([k) deZpkjhLVkWdLokfeRo;kstuk,a(bZ,lvksih)'ks;jlac¼fy[krds:iesaifjorZuh;Hkqxrkuds?kVdds:iesa'kkfeydhtk,aA(ftlsigysvyxj[kkx;kFkk)

(x) ifjorZuh;Hkqxrkudksfu;rHkqxrkuds300izfr'krijlhferfd;ktk,xk(iwoZesaifjorZuh;Hkqxrkudksfu;rHkqxrkuds70izfr'krijlhferfd;kx;kFkkfdUrqblesabZ,lvksih@'ks;jlac¼fy[krdks'kkfeyughafd;kx;kFkk)

(?k) U;wure50izfr'krifjorZuh;HkqxrkuxSj&udnh?kVd(tSlsfdbZ,lvksih)dsekè;elsgksxk(iwoZesadksbZfof'k"Vvuqikrfu/kZfjrughafd;kx;kFkk)A

(M+) ifjorZuh;Hkqxrkudhek=kkijè;kufn,fcuk]ifjorZuh;Hkqxrkudsfy,vfuok;ZvkLFkxura=kvfuok;Zdjuk(iwoZesabls,dfofufnZ"VlhekdsÅijghvfuok;Zfd;kx;kFkk)A

(p) ,uih,@vilj.k@Hkkjrh;fjt+oZcSad}kjklkoZtfudizdVhdj.kdsfy,fu/kkZfjrlhekdsÅijO;oLFkkiudsekeysesa^eyql*vf/jksfirdjukvfuok;ZdjukA(u;kifjo/Zu)A

(N) egRoiw.kZtksf[kexzg.kdrkZvksadhigpkudjusdsfy,ek=kkRedvkSjxq.kkRedekunaMfu/kZfjrfd,tkjgsgSaA(u;kifjo/Zu)A

xSj cSafdax foÙkh; {ks=k (,uch,iQlh)

4-22 o"kZ 2017&18 vkSj o"kZ 2018&19 dh v/ZNekghesavfrrsthlsc<+usdsckn]bl{ks=kesarclsrsthlsvoeanugqvkgSAxSjcSafdaxfoÙkh;fuxeksalsÍ.kksadho`f¼flrEcj]2018esa27-6izfr'krvkSjfnlEcj]2018esa21-6izfr'krlsflrEcj]2019dsvaresa9-9izfr'krfxjhgS(fp=k14)A

4-23 xSj&cSafdaxfoÙkh;fuxe{ks=kdsrqyu&i=kesajkf'ko"kZ2018&19dsnkSjku26-18yk[kdjksM+`lsc<+dj30-85djksM+#i;sgksxbZgStks17-9izfr'kr

gSA,uch,iQlhlslEcfU/rfparkvksadsckotwn

21-3izfr'krdh;go`f¼o"kZ2017&18dsnkSjku

ntZdhxbZ'kh"kZo`f¼FkhAo"kZ2018&19dhrhljh

frekghesarjyrknckons[kkx;kAxSj&cSafdaxfoÙkh;

fuxeksadsfy,,uch,iQlhdsfy,fuf/;ksadhykxr

esaekpZ]2019rdfxjkoVvkbZvkSjvkxsflrEcj]

2019rdvkSjHkhfxjkoVgqbZtSlkfd3ekgdh

lhihfMLdkm.Vnjesan'kkZ;kx;kgSA(fp=k15)

4-24 ,uch,iQlh ds foÙkiks"k.k ds lzksrksa esa ,d

izs{k.kh;cnykovk;kgSAcSadÍ.ktksfdvDrwcj_______________

1. flIrEcj2019dsvkdM+savuafregSA


fp=k% 14 ,uch,iQlh (o"kZ nj o"kZ) 3-4 }kjk Í.kksa vkSj vfxzeksa esa o`f¼A

lzksr%Hkkkjrh;fjt+oZcSadA

fVIi.kh: 1. vkadM+stekysusokys,uch,iQlhvkSjxSj&tekysusokysegRoiw.kZ,uch,iQlh]ljdkjhdEifu;ksalfgrA

2. twu2018dsckndsvkadM+svufUregSaA

_______________2. flrEcj2019dsvkadM+svufUregSaA

fp=k 15% rhu ekg dh Js.kh&okj lh ih nj2

5.0

5.5

6.0

6.5

7.0

7.5

8.0

8.5

9.0

Jan-

18

Feb-

18

Mar

-18

Apr

-18

May

-18

Jun-

18

Jul-1

8

Aug

-18

Sep-

18

Oct

-18

Nov

-18

Dec

-18

Jan-

19

Feb-

19

Mar

-19

Apr

-19

May

-19

Jun-

19

Jul-1

9

Aug

-19

Sep-

19

Per

cent

Corporates FI HFC NBFC-Non Govt 91-Day Treasury Bill (Primary) Yield

lzksr%vkjchvkbZ(Hkkjrh;fjtoZcSad)


2018 esa 5-62yk[kdjksM+ Fkk]vDrwcj 2019 esac<+dj7-13yk[kdjksM+gksx;kvFkkZrblesa26-8izfr'krdho`f¼ntZdhxbZ(fp=k16(d)Agkykafd;go`f¼vDrwcj2018dsvarrddhrqyukesadkiQhdegSA ,uch,iQlhdks E;wpqvyiaQy}kjkØsfMV@/udkvfofu;kstu]vDVwcj2018lsdkiQhde@ladqfprgqvkgS(fp=k16([k))A

4-25 cktkj Í.k tks fd flracj 2018 esa10-4yk[kdjksM+Fkk]flracj2019dsnkSjkuc<+dj10-5yk[kdjksM+gks x;kAcktkjm/kjdslk/uksaesa]okf.kfT;ddkxtkrdhfgLlsnkjhflracj2018lsflracj2019rd31-2izfr'kr?kVxbZ]tcfdvifjorZuh;fMcsapj(,ulhMh)dkfgLlkblhvof/esa7-7çfr'krc<+dj8-61yk[kdjksM+ls9-27yk[kdjksM+gksx;kA

4-26 15 izfr'kr dh fofu;ked vko';drk ds

LFkku ij ,uch,iQlh (xSj cSafdax foÙkh; daiuh){ks=k dh tksf[ke Hkkfjr vkfLr dh rqyuk esa iwathvuqikr(lhvkj,vkj)ekpZ2019dsvarrdvkSjflracj] 2019 ds var esa 19-5 izfr'kr rd cuhjghA,uch,iQlh(xSjcSafdaxfoÙkh;daiuh){ks=kdhldyvutZdvkfLr(,uih,)vuqikr]ekpZ2018ds5-8izfr'krlsc<+djekpZ2019esa6-1izfr'krgksxbZrFkkflracj2019rdblesaekewyho`f¼gqbZvkSj;g6-3izfr'krgksxbZAfuoyvutZdvkfLr(,uih,)vuqikresaekpZ2018ds3-3izfr'krdhrqyukesaekewyho`f¼gqbZrFkk;gekpZ2019esa3-4izfr'krgksxbZrFkkflracj2019rd;ghfLFkfrcuhjghAbl{ks=kdkifjlaifÙkizfriQy(vkjvks,)]ekpZ2018ds1-6çfr'krls?kVdjekpZ2019esa1-5çfr'krghjgx;kAbldsvykokbfDofVijizfriQy(vkjvksbZ)]ekpZ2018ds6-9çfr'krls?kVdjekpZ

2019esa6-6»ghjgx;kA

fp=k 16 (d)% ,uch,iQlh esa cSad ØsfMV esa o`f¼

fp=k 16 ([k)% ,uch,iQlh esa ,e,iQ }kjk /u ds vfofu;kstu esa o`f¼

-10

0

10

20

30

40

50

60

Apr

-16

Jul-1

6O

ct-1

6Ja

n-17

Apr

-17

Jul-1

7O

ct-1

7Ja

n-18

Apr

-18

Jul-1

8O

ct-1

8Ja

n-19

Jul-1

9O

ct-1

9

Per

cent

lzksr%vkjchvkbZ(Hkkjrh;fjtoZcSad)rFkklsch(Hkkjrh;izfrHkwfrvkSjfofue;cksMZ)

uksVfp=k16(d)dsfy;s

1-;gvkadM+s,p,iQlhdksHkh'kkfeydjrkgSA

2-;gvkadM+svuafregSavkSjmupqfuankcSadksalslEcfU/rgSatkslHkhvuqlwfprokf.kfT;dcSadksa}kjkiznkufd;sx;s90izfr'kr

rdxSj[kk|ØsfMVlekfo"VdjrsgSaA


ckWDl 2% xSj&cSa¯dx foÙkh; fofu;eu@i;Zos{k.k ls lacfU/r izeq[k uhfrxr ifjorZu

vkbZ,y,aM,iQ,ldsckn],uch,iQlh(xSjcSa¯dxfoÙkh;daiuh){ks=kdsfu;euvkSji;Zos{k.kdksetcwrdjusdsfy,dbZmik;fd,x,]tSlkfduhpsfn;kx;kgSA

1- ,uch,iQlh lsDVj ds fofu;eu vkSj i;Zos{k.k dks etcwr djus ds fy, Hkkjrh; fjtoZ cSad vf/fu;e] 1934 esa la'kks/u rkfd fjtoZ cSad esa fuEufyf[kr vfrfjDr 'kfDr;ka fufgr dh tk ldsa%

d) ,uch,iQlhdsfy,U;wure'kq¼LokfeRok/hufuf/vko';drkdks`100djksM+(ekStwnk` 2djksM+ls)rdc<+kuk_

[k) ,d,uch,iQlhdsfuns'kddksdk;kZy;@inlsgVkuk(ljdkjhdaifu;ksadsvykok)_

x) ,uch,iQlhdsfuns'kdeaMydkvf/Øe.kdjuk(ljdkjhdaifu;ksadsvykok)_

?k) oS/kfudys[kijh{kddksHkkjrh;fjtoZcSaddhfdlhHkhfofu;ferlaLFkkvksaesalsfdlhdsys[kkijh{kdds:iesadrZO;ksadkmi;ksxdjuslsgVkuk;kfooftZrdjuk_

Ä) ,uch,iQlhdhvyx&vyxbdkb;ksa esa O;ogk;ZrkvkSjxSj&O;ogk;Z O;olk;ksadksvyxdjrs gq,]lekesyuiqufuZekZ.kdsekè;els;k,ddksadklekesyudjrsgq,lek/kudjuk_

p) ,d,uch,iQlhdksvius;k,uch,iQlhdsfdlhHkhlewgdaiuhdsfoÙkh;fooj.kksadksO;olk;;kekeyksalslacaf/rc;kuksavkSjlwpukvksads:iesalayXudjusdsfy,funsZf'krdjukvkSj,d,uch,iQlhdsfdlhHkhlewgdhdaiuhdhys[kkcghdkfujh{k.k;kys[kkijh{kkdjukA

N) fjtoZcSad}kjkyxk,tkusokystqekZusdhek=kkesao`f¼djukA

2- vf/d`r Mhyj (,Mh) ds :i esa ;ksX; ,uch,iQlh&,uMh&,lvkbZ&f}rh; Js.kh%fjtoZcSadusturkdksviusnSfudxSj&O;kikjpkyw[kkrkysunsudsfy,iznkudhxbZlsokvksadhigqapvkSjn{krkc<+kusdsfy,16vizSy]2019lsxSj&fMikWftVysusokyhiz.kkyhxregRoiw.kZ,uch,iQlh&vkbZlhlhdks,Mh&f}rh;Js.khvuqKfIr@ykblsalizkIrdjusdhvuqefrnhgSAik=k,uch,iQlhdksdqN'krks±dksiwjkdjukgksxkvkSjfjtoZcSadlsfof'k"VvuqefrysuhgksxhA

3- ,uch,iQlh ds fy, rjyrk tksf[ke <kapk%` 100djksM+vkSjmllsvf/ddhvkfLr;ksaokyhlHkhxSj&fMikWftVysusokys,uch,iQlh],slhegRoiw.kZdksjbUosLVesaVdaifu;katksO;ofLFkrgSavkSjfMikWftVysusokyhlHkh,uch,iQlh]HkysghmudhifjlaifÙkdkvkdkjdqNHkhgks]fyfDofMVhfjLdeSustesaVfn'kk&funsZ'kksadslsVdkikyudjsaxs%

d) xSzU;qyjifjiDorklewgvkSjNwVdkLrj]

[k) rjyrkfLFkfresafod`frdkirkyxkusdsfy,rjyrktksf[kefuxjkuhmidj.k@ehfVªd]

x) lajpukRedvkSjxfr'khyrjyrkdsvykok]rjyrkdsfy,^^LVkWd**n`f"Vdks.kdksviukuk]

?k) vkWiQ&cSysal'khVvkSjvkdfLedns;rk,a]baVªk&xzqiiaQMVªkaliQj]vkfntSlsigyqvksadsfy,lqn`<+udnhtksf[keizca/udsfl¼karksadkfoLrkj]vkSj

Ä) ` 5000djksM+vkSjmllsvf/dvkfLrvkdkjdslHkhfMikftVuysusokyhlHkh,uch,iQlhrFkkfMikWftVysusokyhlHkh,uch,iQlh](dksjfuos'kdaifu;ksa]xSjizpkyufoÙkh;/kjddaifu;ksa]LVSaM,ayksuizkbejhMhyjvkSjVkbZi&1,uch,iQlhdksNksM+dj)HkysghmudhifjlaifÙkdkvkdkjdqNHkhgks]dsfy,rjyrkdojstvuqikr(,ylhvkj)dh'kq:vkrrkfdfdlhHkhrhozrjyrknckolscpusdsfy,i;kZIrmPPkxq.koÙkkokyhrjyifjlaifÙk(,pD;w,y,)dkscuk,j[kktkldsAleLr,ylhvkjdks1fnlacj2024rdmÙkjksÙkj100»rdc<+k;ktk,xkA

4- ,uch,iQlh&lw{e foÙkh; laLFkkvksa (,uch,iQlh&,e,iQvkbZ) ds fy, lhekvksa dh leh{kk%,uch,iQlh&,e,iQvkbZdsm/kjdrkZvksadsfy,?kjsywvk;lhekxzkeh.k{ks=kksadsfy,` 1]00]000dsorZekuLrjrFkk'kgjh@v/Z&'kgjh{ks=kksa


dsfy,` 1]60]000lsc<+kdjØe'k%` 1]25]000rFkk` 2]00]000dhxbZgS]lkFkgh;ksX;m/kjdrkZvksads fy,m/kjnsusdhlhek Hkh ` 1]00]000ls c<+kdj ` 1]25]000 izfr m/kjdrkZdj nh xbZ gSA ;g uoEcj 8] 2019lsizHkkohgSA

5- gkmflax iQkbusal daifu;ka% Hkkjr ljdkj }kjk fnukad 9 vxLr] 2019 dks vkokl@x`g foÙk daiuh(,p,iQlh)dkfofu;eu]jk"Vªh;vkoklcSad(,u,pch)lsHkkjrh;fjtoZcSad(vkjchvkbZ)dksgLrkarfjrdjfn;kx;kgSA

iwath cktkj dk ?kVukØe

izkFkfed cktkj

d- lkoZtfud fuxZeu

4-27 ifCyd b';w rFkk jkbV~l b';w ds ekè;elsfiNyso"kZdhblhvof/esatks` 44]355djksM+#i;stqVk,x,Fks]o"kZ2019&20esa(fnlacj31]2019rd)dqy/ujkf'kc<+dj` 73]896djksM+gksxbZAo"kZ2018&19dhblhvof/esa]ifCyd,aMjkbV~l b';wds ekè;els izkFkfedcktkjvkfFkZdlalk/kutqVkuko"kZ2017&18dhrqyukesadegksx;kFkkA

4-28lkoZtfud fuxZe@ifCydb';w(bfDoVh)dsekè;elslalk/utqVkuk]vizSy&fnlacj]2019esafiNyso"kZdhlekuvof/dhrqyukesa?kVx;k]tksfiNyso"kZdhfxjkoVds#>ku@izo`fÙkdsvuqlkjghtkjhjgkgSAvizSy&fnlacj]2019dsnkSjku]47daifu;ksauslkoZtfudbfDoVhtkjhdjusdsekè;els` 10]895djksM+tqVk,]tcfdvizSylsfnlacj]2018&19 esa ` 13]947 djksM+ #i;s tqVkus okyh103daifu;ksaus21-9izfr'krdhdehdkladsrfn;kA nwljh vksj vizSy&fnlacj] 2019 ds nkSjkujkbV~lb';w(bfDoVh)dsekè;elslalk/utqVkusesafiNyso"kZdhblhvof/(rkfydk)dh1]843

rkfydk 4% yksd fuxZe (ifCyd b'kw) vkSj vf/dkj ds cnys esa fn, x, 'ks;j (jkbV b'kw) ds ekè;e ls izkFkfed cktkj lalk/u tqVkuk

fuxZe izdkj (tkjh djus ds izdkj)

2016&17 ls (31 fnlEcj] 2016 rd)

2017&18 ls (31 fnlEcj] 2017 rd)

2018&19 ls (31 fnlEcj] 2018 rd)

2019&20 ls (31 fnlEcj] 2019 rd)

fuxZeksa dh

la[;k

jkf'k ` (djksM+ esa)

fuxZeksa dh

la[;k


fuxZeksa dh

la[;k


fuxZeksa dh

la[;k


lkoZtfudfuxZe(bfDoVh)

70 24,515 134 64,141 103 13,947 47 10,895

jkbVb'kw(bfDoVh)

5 1,297 14 4,522 6 1,843 11 51,255

lkoZtfudfuxZe(Í.k)

12 27,161 4 3,896 15 28,565 27 11,746

dqy lkoZtfud fuxZe

87 52,973 152 72,559 124 44,355 85 73,896

lzksr%lsch


dhrqyukesa` 51]255djksM+`dslalk/utqVkusdslkFkrsthlso`f¼ntZdhxbZ(rkfydk4)A

Í.k dtZ

4-29 fiNyslkydh blhvof/esa 15 b';wdsekè;elstks` 28]565djksM+dhjkf'ktqVkbZxbZFkh]mldhrqyukesavizSy&fnlacj]2019dsnkSjkuifCyddksÍ.kizfrHkwfrtkjhdjdslalk/kutqVkusesa` 11]746djksM+rddhdehvkbZA

[k% futh rkSj ij 'ks;j vkoaVu (izkbosV IyslesaV)

4-30 2019&20dsnkSjku(31fnlEcj2019rd)Hkkjrh;dkWjiksjsV~lusfiNyso"kZdhblvof/esaiwathdksc<+kusdsfy,futhrkSjij'ks;jvkoaVudks izkFkfedrk nhA fiNys o"kZ dh blh vof/(rkfydk5)esa2006dsfuxZedsekè;els` 5-3yk[kdjksM+dhrqyukesaizkbosVIyslesaVdsekè;elsvizSyfnlacj2019esa]1520fuxZedsekè;els` 6-29yk[kdjksM+#i;stqVk,x,gSaA

bfDoVh

4-31 225fuxZeksausvizSy&fnlEcj2019dsnkSjkubfDoVhdsfuthIyslesaVdsekè;els` 1-79yk[kdjksM+#i;stqVk,x,tcfdvizSy&fnlEcj2018dhvof/ esa 335 fuxZeksa us ` 1-57yk[kdjksM+#i;stqVk,x,FksA225fuxZeksaesals9vkSjlaLFkkxrLFkkuu(D;wvkbZih)vkSj` 216rjthghvkoaVudsekè;els`34029djksM+vkSj` 1-45yk[kdjksM+vizSy&fnlEcj2018esatqVk,x,tcfd11D;wvkbZihvkcaVuvkSj` 324rjthghvkcaVudsekè;elsvizSy&fnlEcj2018esaØe'k%`6958djksM+vkSj`1-50yk[kdjksM+#i;stqVk,x,A

Í.k

4-32 blds vykok vizSy&fnlEcj 2019 dsnkSjkudkWjiksjsVckWUMdsizkbosV IyslesaVdsekè;els tqVk, x, lalk/u ` 4-50 yk[k djksM+ FkstcfdvizSy&fnlEcj2018dsnkSjku` 3-73yk[kdjksM+FksA

rkfydk 5% izkbosV IyslesaV (futh rkSj ij 'ks;j vkoaVu) ds ekè;e ls izkFkfed cktkj lalk/u dks tqVkuk

fuxZe izdkj

2016&17 ls (fnlEcj 31] 2016 rd)

2017&18 ls (fnlEcj 31] 2017 rd)

2018&19 ls (fnlEcj 31] 2018 rd)

2019&20 ls (fnlEcj 31] 2019 rd)

fuxZeksa dh

la[;k


fuxZeksa dh

la[;k


fuxZeksa dh

la[;k


fuxZeksa dh

la[;k


D;wvkbZihvkoaVu(bfDoVh)

14 4,395 37 57,711 11 6,958 9 34,029

rjthghvkoaVu(bfDoVh)

299 30,224 307 40,668 324 1,49,921 216 1,45,404

ckWUMdkizkbosVIyslesaV

2,662 4,78,974 1,943 4,60,061 1,671 3,73,375 1,295 4,49,939

dqy izkbosV IyslesaV 2,975 5,13,593 2,287 5,58,440 2,006 5,30,254 1,520 6,29,372

lzksr%ch,lbZ],u,lbZ],e,lbZvkbZvkSjlsch


E;wpvy iQaM xfrfof/;ka

4-33 vizSy ls fnlEcj 2019 ds nkSjku E;wpvyiaQMm|ksxesa fuoyvken` 1-9yk[kdjksM+FkhtcfdfiNyso"kZblvof/dsnkSjkufuoyvken0-8yk[kdjksM+FkkAfnlEcj31]2019dsvarrdfuoyifjlaifÙkdsvUrZxrlHkhE;wpvyiaQMizca/uesa 18-4izfr'krdhc<+ksÙkjhls ;g ` 26-3yk[kdjksM+igqapx;kFkktcfd31fnlacj2018esa;g` 22-2yk[kdjksM+FkkA(rkfydk6)A

fons'kh iksVZiQksfy;ks fuos'kd }kjk fuos'k

(,iQihvkbZ)

4-34 vizSy&fnlEcj2019dsnkSjkuHkkjrh;iwathxrcktkjesa,iQihvkbZdslanHkZesafuoyvken`0-81yk[kdjksM+FkktcfdvizSy&fnlEcj2018dsnkSjkufuoy izokg ` 0-94 yk[kdjksM+ FkkA 31 fnlEcj

2019rd,iQihvkbZ}kjkdqylafprfuos'k(vf/xzg.kykxrij)31fnlEcj2018(rkfydk7)rd240-1fcfy;u;w,lMkWyjls7-8izfr'krc<+dj31fnlEcj2019dks259-5fcfy;u;w,lMkWyjigqapx;kA

Hkkjrh; csapekdZ lwpdkad dh xfrfof/

4-35 Hkkjrh;csapekdZlwpdkadtSlsfufÝV50vkSj,l ,oa ih ch ,l bZ lwpdkad 2019&20 (16

tuojh 2020 rd) ds nkSjku fjdkWMZ mPp Lrj

ij igqap x;kA 14 tuojh] 2020 dks ,l vkSj

ihch,lbZlwpdkadckWEcsLVkWd,Dlpsat(ch,lbZ)

ds csapekdZ lwpdkad 41-952 ds mPpÙke Lrj

rdigqapx;k]ftldsdkj.k1vizSy2019dks

38]871dsLrjls7-9izfr'krrddhc<+ksÙkjh

rkfydk 6% E;wpvy iaQM }kjk fuf/;ksa dks tqVkuk

vof/iQksfy;ks dh

la[;k (djksM+ esa)

ldy fuf/;ka tqVkuk

(` yk[k djksM+ esa)

ekspu (` yk[k djksM+ esa)

fuoy vken (` yk[k djksM+ esa)

vof/ ds var rd fuoy ,;w,e

(` yk[k djksM+ esa)

2018&19(31fnlEcj2018rd)

8.03 139.30 138.50 0.80 22.20

2019&20ls(31fnlEcj2019rd)

8.71 134.30 132.50 1.90 26.30

lzksr%lsch

rkfydk 7% fons'kh iksVZiQksfy;ksa fuos'kd }kjk fuos'k

o"kZ@eghukldy

[kjhn (` djksM+ esa)

ldy fcØh (` djksM+ esa)

ldy fuos'k (` djksM+ esa)

ldy fuos'k (;w,l MkWyj fefy;u ls)

lap;h fuoy fu-os'k (;w,l MkWyj

fefy;u esa)

2018&19(31fnlacj]2018rd)

11,78,809 12,72,988 -94,179 -13,442 2,40,171

2019&20(31fnlacj]2019rd)

13,79,888 12,99,141 80,746 11,465 2,59,579

lzksr%,u,lMh,y


fp=k 17% Hkkjrh; cSapekdZ lwpdkad esa mrkj&p<+ko

9,500

10,000

10,500

11,000

11,500

12,000

12,500

35,000

36,000

37,000

38,000

39,000

40,000

41,000

42,000

43,000

01-Apr-19

17-Apr-19

03-May-19

19-May-19

04-Jun-19

20-Jun-19

06-Jul-19

22-Jul-19

07-Aug-19

23-Aug-19

08-Sep-19

24-Sep-19

10-Oct-19

26-Oct-19

11-Nov-19

27-Nov-19

13-Dec-19

29-Dec-19

14-Jan-20

Nifty IndexSe

nsex

Inde

x

BSE NSE

lzksr%ch,lbZvkSj,u,lbZ

_______________3-vksVhlhMfjosfVocktkjesaiksLVØkbZfllth20vkSjcslsylq/kjdsfy,xSj&dsafnz;lek'kksf/krMsfjosfVoysunsu]mPpiwathvko';drk]tks

lhlhihdsek/;elsvf/fufeZryysunsudslkis{kgks]dsv/hugksusdhvko';drkgSA

ckWDl 3% Hkkjr esa foÙkh; lafonkvksa ds fy, f}i{kh; usfVax dks l{ke djus ds ykHk

f}i{kh;usfVaxdjkjds}kjknksizfri{kdkj],dfdlhnwljsizfri{kdkjdksns;,dyfuoyHkqxrkuns;rkdkfu/kZj.kdjusdsfy,]fdlhfoÙkh;lafonkesa,d&nwljsdsnkoksadklek;kstudjldrsgSaAblhrjg]cgqi{kh;usfVaxdjkjds}kjkizfri{kdkjlek'kks/ux`gesa,ddsUnzh;izfri{k(lhlhih)esekè;els,dnwljsdsnkoksadklek;kstudjldrsgSaaApwd]ftlesaizfri{kdkjksadkfnokfy;kiu]fo?kVu;klekiu'kkfeygS]dhfLFkfresaDykst&vkmVusfVaxds}kjkxSj&pwddrkZizfri{kdkjfoÙkh;lafonkdksvof/iw.kZdsiwoZlekIrdjldrkgSvkSjfdlh,di{kdkjdknwljsi{kdkjdksns;,dyfuoyjkf'kdkfu/kZj.kdjusdsfy,vkilhnkoksadk;ksxizLrqrdjldrkgSA

orZekuesa]lank;vkSjfuiVkuiz.kkyh(la'kks/u)vf/fu;e(2015)dsv/hufdlhlhlhih]tSlsfdDyh;fjaxdkjiksjs'kuvkWiQbafM;kfyfeVsM(lhlhvkbZ,y)]dsekè;elsvf/fufeZrfoÙkh;ysunsudscgqi{kh;Dykst+&vkmVusfVaxdsfy,fof/dizko/uekStwngSaAgkykafd]HkkjresafoÙkh;djkjksadsfy,f}i{kh;usfVaxdhvuqefrughagS;gdbZpSuyksadsek/;elscSadksavkSjvU;foÙkh;cktkjlgHkkfx;ksadksukdkjkRed:ilsizHkkfordjrkgS%

(i) f}i{kh;usfVaxdhvuqifLFkfresa]cSadksadksvkjchvkbZdsfofu;eksadsv/hufuoycktkjlscktkjrd(,eVh,e),DlikstjdsLFkkuijldy,eVh,e,Dlikstjijvk/kfjrvksVhlhMsfjosfVulafonkdsfy,fdlhizfri{kdkjdsØsfMV,Dlikstjdkekufu/kZj.kdjukvko';dgSAbllsfoÙkh;cktkjlgHkkfx;ksas]fo'ks"kdjfdlh,dizfri{kdkjdsfnokykgkstkusdhfLFkfresa]dsØsfMVtksf[keesao`f¼gkstkrhgS]ftllsflLVsfedtksf[keesao`f¼gkstkrhgSA

(ii) cslyIIIfofu;kedlq/kjdksykxwdjusdsfy,vkjchvkbZdsvuqlkjcSadksadksfuoy,eVh,e,DlikstjdsLFkkuijldy,eVh,eijvk/kfjrvksVhlhMsfjosfVolafonkdsfy,fofu;kediwathvis{kkdhx.kukdjukvko';dgSA3;gcSadksadksf}i{kh;usfVaxdsfy,vko';dfofu;kediwathlsvf/dfofu;kediwath/kj.kdjusdsfy,ckè;djrkgSAvkjchvkbZdsvuqekudsvuqlkj]f}i{kh;usfVaxO;oLFkkHkkjrdsvksVhlhMsfjosVcktkjesaHkkxysusokys31eq[;cSadksadkslgk;rkiznkudjldrkFkk]ftllsfoÙkh;o"kZ2017&18dsnkSjkufofu;kediwathesayxHkx`22-58fcfy;udhcprgksrhA


(iii) oSf'odvksVhlhMsfjosfVolq/kkjdksykxwdjuslaca/hvkjchvkbZdsorZekuizLrkods fy,vko';dgS fdfoÙkh;laLFkkufuoyizfri{kh,DlikstjdsLFkkuijldyizfri{kh,Dlikstjdsvk/kjijvksVhlhMsfjosfVoysunsudsfy,izfri{kdkjksadslkFkekftZu4(laikf'od5)fofu;edjsaAbllq/kjdsykxwgksuslscSad]f}i{kjh;usfVaxdhvuqefrizkIrgksusijftruhiwathdhvko';drkgksxh]mllsvf/kdiwathlaikf'kZodvis{kkvkvksadhvksjMk;oVZdjusdsfy,izsfjrgksaxsaAlhlhvkbZ,ydsvuqekudsvuqlkj];fnekftZufofu;eykxwgkstkrhrkscSadksavkSjizkFkfedfMyjksadksekpZ]2018rdekftZu5ds:iesayxHkx`436-98fcfy;u/kj.kdjukgksxkA(Hkkjr esa dkWiksZjsV ckWM cktkj ds fodkl ij vkjchvkbZ dk;Z xzqi dk fjiksVZ] 2016)

(iv) mPp fofu;ked iwath cks> foÙkh; lafonk ds laca/ esa O;kikj fØ;kdyki dks ysu&nsu ds mPp ykxr esa:ikarfjr djds vf/d iwath baVsaflo cukrk gSA ;g xgjkbZ ds laca/ esa cktkj pyfuf/ vkSj cktkjfodkl dks izHkkfor djds cSadks vkSj izkFkfed Mhyjksa ds cktkj esa lgHkkfxrk dks de dj nsrk gSA ;gmu eq[; dkjdksa esa ls ,d gS tks Hkkjr ds ØsfMV fMiQkWYV LoSi (lhMh,l) cktkj ds dk;Zdyki esaO;o/kumRiUudjrkgSA

foÙkh;fLFkfjrkcksMZ(,iQ,lch)vkSjcslsylfefrtSlhoSf'odfu;kedfudk;ksausfoÙkh;fLFkfjrkijldkjkRedizHkkodsdkj.kDykst&vkmVuksfVaxdsmi;ksxdkleFkZufd;kgSAorZekuesa]la;qDrjk"Vª];w-ds-]vkWLVªsfy;k]dukMk]tkiku]Úkal]teZuh]flaxkiqjvkSjeysf'k;ktSlseq[;vf/dkj{ks=kksaesauksfVaxdjkjdsLFkkuijfof/dizko/kuekStwngSaA

vr%]Hkkjresaf}i{kh;Dykst&vkmVusfVaxdsfy,,dfof/d<kapkLFkkfirdjuslsfuEufyf[krlgk;rk,aizkIrgksaxh%(d)cSadksadsØsfMVtksf[kevkSjfu;kediwathcks>dksdefd;ktkldsxk]vU;mRikndmi;ksxksadsfy,iwathdkseqDrfd;ktkldsxk_([k)cpko(gsftax)ykxrdefd;ktkldsxkvkSjcSadksadspyfuf/dhvko';drkdksdefd;ktkldsxk]ftldsiQyLo:itksf[kelscpkodsfy,vksVhlhMsfjosfVocktkjesaHkkxhnkjhdksizksRlkfgrfd;ktkldsxkAlhMh,lcktkjesacktkjdhHkkxhnkjhc<+uslsHkhdkWjiksjsVckWUMcktkjdsfodkldsfy,,dizksRlkguizkIrgksxk_(x)izfri{kdkj}kjkpwddhfLFkfresafoÙkh;lafonkvksadsfy,,ddq'kyolwyhra=kLFkkfirfd;ktkldsxk_vkSj(?k)vksVhlhMsfjosfVocktkjesaoSf'odfou;kedlq/kkjksadksykxwdjusdsfy,Hkkjrdhth20vkSj,iQ,lchizfrc¼rkdkikyufd;ktkldsxkA

ns[khxbZgSA16tuojh]2020dksfuÝVh50dk

lwpdkad 12355 ds mPpre Lrj ij can gqvk

(fp=k17)A

chek {ks=k

4-36 varjkZ"Vªh; :i ls] chek {ks=k dh laHkkoukvkSj fu"iknulkekU;r% nks iSjkehVjksadsvkèkkj ijewY;kafdrdhtkrhgSvFkkZr~cheklacaèkhfuos'kvkSjcheklacaèkhl?kurkAcheklacaèkhfuos'kvkSjl?kurkdkekiuns'kesachek{ks=kdsfodklLrjdksiznf'kZr

djrkgSA;|fichekfuos'kthMhihdschekizhfe;edhizfr'krrkds:iesaekfirgksrkgS]tcfdcheklacaèkhl?kurktula[;kdsizhfe;edsvuqikrds:iesaifjdfyrfd;ktkrkgSS(varjkZ"Vªh;rqyukdhlqfoèkkdsfy,vesfjdhMkyjesaekikx;kgS)A

4-37 Hkkjresa cheklacaèkhl?kurk2001esa 11-5vesfjdhMkyjFkh]tks2018esa74vesfjdhMkyjrdigq¡pxbZ(thouchek&55vesfjdhMkyjvkSjxSjthouchek&19vesfjdhMkyj)AblhvofèkdsnkSjkueysf'k;k]FkkbZySaMvkSjphudsfy,rqyukRed

_______________4-vksVhlhMsfjosfVocktkjesaiksLVØkbfllth20vkSjbaVjus'kuyvkWxZukbts'kuvkWiQflD;ksfjVhtdfe'ku(vkbZvks,llhvkslq/kkjksadsfy,izfri{kdkj

}kjkxSj&dsafnzrlek'kksf/rMsfjosfVoysunsudsfy,ekftZu(laikf'oZd)dkfofu;efd,tkusdhvko';drkgSA

5-vksVhlhMsfjosfVoysunsuesaizfri{kdkj,Dlikstjdsnksizdkjksaijvk/kfjrnksizdkjdsekftZugksrsgSaAosfj;s'kuekftZufdlhHkhle;esaMsfjos-fVods,eVh,eewY;ijvk/kfjrorZeku,Dlikstjlsizfr{kdkjdkslqj{kkiznkudjrkgSAbfuf'k;yekftZuizfri{kdkj}kjkpwddhfLFkfresablsDykstvkmVfd,tkusvkSjfLFkfresaifjoZrugksusdsnkSjkuMsfjosfVolafonkds,eVh,eewY;esagksusokysifjorZudsdkj.klaHkkforHkkoh,Dlikstjlsizfri{kdkjdkslqj{kkiznkudjrkgSA

6- ;svuqekubfuf'k;yekftZudsfy,gSaA;fnosfj;s'kuekftZuvuqekudks'kkfeydjfy;ktkrkgSrkscgqrvf/diwathdhvko';drkmRiUugkstk,xhA


ckWDl 4% ifjHkkf"kr va'knk;h isa'ku ;kstuk% jk"Vªh; isa'ku iz.kkyh

ubZisa'ku;kstuk]ftldsukedksjk"Vªh;isa'kuiz.kkyh(,u-ih-,l-)ds:iesacnyfn;kx;kgS]ftls22fnlEcj]2003dksljdkj}kjkizkjEHkfd;kx;kFkkvkSjftudsanzljdkjhdeZpkfj;ksa(l'kL=kcydsvykok)us1tuojh]2004lsljdkjhlsokesadk;ZHkkjxzg.kfd;kgS]mudsfy,blsvfuok;Zcukfn;kx;kFkkAjkT;ljdkjksardbl;kstukdkfoLrkjfd;kx;kFkkvkSjvcrd28jkT;ljdkjksausviusdeZpkfj;kasdsfy,,u-ih-,l-dksvfèklwfprfd;kgSAebZ2009lsLoSfPNdvkèkkjijns'kdslHkhukxfjdksardbl;kstukdkfoLrkjfd;kx;kFkkA

30flrEcj]2019rd],u-ih-,l-dsrgrdqyyxHkx3-06yk[kvfHknkrkvksadks(vVyisa'ku;kstuklfgr)ukekafdrfd;kx;kgSAizcaèkudsrgr,slhifjlEifÙk;k¡(,-;w-,e-)]ftuesa,u-ih-,l-dsrgrdksiZlijizfrykHk'kkfeygksrsgSa]os31ekpZ2019dhfLFkfrdsvuqlku3-18yk[kdjksM+`ls30flrEcj]2019dhfLFkfrdsvuqlkj3-71yk[kdjksM+rddho`f¼dslk{;jgpqdsgSaA30flrEcj]2019dhfLFkfrdsvuqlkj,-ih-okbZ-(vVyisa'ku;kstuk)dsdqy178-21yk[kvfHknkrkgSavkSj8]743djksM+dhftldh,-;w-,e-(izcaèkudsrgrifjlEifÙk;k¡)gSa(rkfydk1)A

rkfydk 1% ,u- ih- ,l-@,- ih- okbZ- ds rgr vfHknkrkvksa dh la[;k] dksiZl vkSj izcUèku ds rgr ifjlEifÙk;k¡ (30 flrEcj 2019 dh fLFkfr ds vuqlkj)

lsDVj ({ks=k) vfHknkvksa dh la[;kva'knku

(djksM+ esa)izca/u ds rgr ifjlaifÙk

(djksM+ esa) Absolute % Absolute % Absolute %

dsanzljdkj 18,31,307 14 75,504 28 1,07,409 30

dsanzh;Lok;Ùkfudk;(lh-,-ch-)

1,94,419 2 12,796 5 17,294 5

jkT;ljdkj 38,56,844 30 1,26,668 46 1,68,547 46

jkT;Lok;Ùkfudk; 7,01,274 5 17,229 6 18,412 5

dkWiksZjsV 9,68,019 8 28,307 10 36,580 10

vlaxfBr{ks=k 9,25,810 7 10,986 4 10,777 3

,u-ih-,l-ykbV 43,39,836 34 2,624 1 3,631 1

dqy 1,28,17,509 100 2,74,115 100 3,62,650 100

,-ih-okbZ 1,78,21,441 7,927 8,743

dqy 3,06,38,950 2,82,042 3,71,393

lzksr%lh-vkj-,-fjiksVZ

fVIi.kh%*feykudjdsntZfd;kx;kgSA

ljdkjdsHkhrj]mÙkjizns'kesavfHknkrkvksadhvfèkdrela[;kgSvkSjmldsckneè;izns'k]jktLFkkuvkSjegkjk"VªvkrsgSaAizcaèkudsrgrvR;fèkdifjlEifÙk;k¡jktLFkkuesagSavkSjmldscknmÙkjizns'k]eè;izns'kvkSjegkjk"VªvkrsgSa(rkfydk2)A

rkfydk 2% ,e- ih- ,l- ds rgr HkkSxksfyd foLrkj (ljdkjh {ks=k)

Øe la- jkT; ljdkj vfHknkrkvksa dh dqy la[;k va'knku (` djksM+),- ;w- ,e- (` djksM+)

1. vkaèkzizns'k 1,85,951 7,946.11 10,408.512. v#.kkpyizns'k 17,411 406.50 485.193. vle 1,55,251 5,296.16 6,814.884. fcgkj 1,68,073 5,423.78 7,297.475. paMhx<+** 10,968 630.45 836.18


6. NÙkhlx<+ 2,96,468 7,317.75 9,428.507. xksok 32,450 1,394.32 1,756.798. xqtjkr 2,17,338 7,331.63 9,531.899. gfj;k.kk 1,71,028 6,807.18 9,071.9310. fgekpyizns'k 93,260 3,865.18 4,716.8611. tEewvkSjd'ehj 1,22,831 3,541.61 4,525.7712. >kj[kaM 1,08,136 4,226.41 5,814.5213. dukZVd 2,40,767 8,304.64 11,426.9014. dsjy 1,25,480 2,164.48 2,558.2415. eè;izns'k 4,87,695 12,703.13 16,465.3616. egkjk"Vª 3,14,158 12,019.46 14,936.1317. ef.kiqj 41,973 971.69 1,252.8018. es?kky; 14,554 333.18 411.4919. fetksje 7,985 211.56 250.4420. ukxkySaM 21,073 402.80 476.2321. vksfM'kk 1,64,378 4,406.22 5,662.7222. iqnqpsjh** 13,207 729.50 970.0223. iatkc 1,82,190 6,740.35 8,931.2024. jktLFkku 4,81,493 16,897.74 22,118.9025. flfDde 15,344 443.08 577.3026. rsyaxkuk 1,53,764 5,449.12 7,372.2127. mÙkjk[kaM 80,962 4,005.84 5,410.6828. mÙkjizns'k 6,26,116 13,800.19 17,280.2029. rfeyukMq* 187 18.25 20.7530. f=kiqjk 652 3.76 4.4731. if'pecaxky* 330 23.47 34.09

dqy 45,51,473 1,43,815.54 1,86,848.62lzksr%ih,iQvkjMh,

fVIi.kh%·%vf[kyHkkjrh;lsoklaca/hvf/dkjhdsfy,dsoylh-vkj-,-vkSj,u-ih-,l-VªLVdslkFkfu"ikfnrdjkjA··%jkT;ljdkjdsrgr'kkfeydhxbZfLFkfrA

foÙkh; o"kZ 2019&20 ds nkSjku mBk, x, izeq[k dne

dsanzljdkjds,u-ih-,l-dsvfHknkrkvksadsfy,fuEufyf[krfodYiksadh'kq:vkrdjusdkfu.kZ;fy;kx;kgS(dsoyo`f¼'khyvf/drkdslaca/esaisa'kuiQaM~l;kfuos'klaca/hiSVuZesaifjorZudjusdhvuqefrnhtkrhgS)%

d) isa'kuiQaMdkfodYi%tSlkfdfuth{ks=kdsvfHknkrkvksadsekeysesa]ljdkjhvfHknkrkvksadksfuth{ks=kdsisa'kuiQaM~ldkslfEefyrdjrsgq,fdlh,disa'kuiQaMdkspquusdhHkhvuqefrnhtk,xhAoso"kZesa,dckjviukfodYicnyldrsgSaAgkykafd]lkoZtfud{ks=kisa'kuiQaM~ldsla;kstudkorZekuizko/kuekStwnkvkSjlkFkghlkFku,ljdkjhvfHknkrkvksadsfy,fMiQkWYVfodYids:iesamiyC/gksxkA

[k) fuos'kiSVuZdkfodYi%ljdkjhdeZpkjhfoÙkh;o"kZesanksckjfuos'kiSVuZdsfuEufyf[krfodYiksaesalsfdlh,dfodYidkiz;ksxdjldrsgSa%

· ftlekStwnk;kstukesaih-,iQ-vkj-Mh-,-}kjklkoZtfud{ks=kmiØelaca/hiQaMdsrhuizca/dksadschpljdkjhdeZpkfj;ksadsfy,ih-,Q-vkj-Mh-,-dsfn'kkfunsZ'kkuqlkjmudsxrfØ;kfu"iknudsvk/kjijiQaM~lvkoafVrfd,tkrsgSaA


· tksljdkjhdeZpkjhdelsdetksf[keokysfu;rizfrykHkdksrjthgnsrsgSa]mUgsaljdkjhizfrHkwfr;ksaesablizdkjdsiQaM~ldk100izfr'krfgLlkfuos'kdjusdkfodYifn;ktk,xkA

· tksljdkjhdeZpkjhcf<+;kizfrykHkdksrjthgnsrsgSa]mUgsaykbiQlkbfdy(thoudky)ijvk/kfjrfuEufyf[krnks;kstukvksadkfodYifn;ktk,xk%

25izfr'krdhmPprelhekfu/kZfjrdhxbZbfDoVhdsfy,vf/drevjf{krrkdslkFkvifjorZu'khyykbiQlkbfdyiQaMA

50izfr'krdhmPprelhekfu/kZfjrdhxbZbfDoVhdsfy,vf/drevjf{krrkdslkFkla;rykbiQlkbfdyiQaMA

vk¡dM+sØe'k%518vesfjdhMkyj]385vesfjdhMkyjvkSj406vesfjdhMkyjFkhA2011lsthouchekdsfy,izos'kesadehvkbZgStcfdxSj&thouchekesa fujarj:ilso`f¼gqbZgSrFkko"kZ2018esathouchekdsfy,2-74izfr'krvkSjxSjthouchekdsfy;s0-97izfr'krgSA(rkfydk8vkSj9)oSf'od:ilschekfuos'kvkSjl?kurk3-31izfr'krrFkkthouchek[k.Mdsfy,370vesfjdhMkyjFkh]xSj&thouchek[k.Mdsfy,2-78izfr'krvkSj312vesfjdhMkyjFkhAØe'k%

4-38 12-47 izfr'krdh o`f¼ ntZdjrs gq,] o"kZ2018&19dsnkSjku]xSj&thouchfer{ks=kdkldyizR;{kizhfe;efiNysfoÙkh;o"kZ2017&18esa 1-51yk[kdjksM+dhrqyuk ` 1-69yk[kdjksM+FkkAeksVjvkSjLokLF;[k.MusizkFkfed:ilsblo`f¼dhfjiksVZdjusesam|ksxdhlgk;rkdhA10-75izfr'kr

dho`f¼ntZdjrsgq,]thouchekm|ksxusfiNysfoÙkh;o"kZesa ` 4-59yk[kdjksM+#i;sdhrqyukfoÙkh; o"kZ 2018&19 esa ` 5-08 yk[k djksM+ dhizhfe;evk;ntZdhxbZA;|fiuohdj.kizhfe;eusthouchferlsizkIrdqyizhfe;edk57-68izfr'krdkys[kktks[kk fd;k] 'ks"k uo O;oLFkk us 42-32izfr'krdk;ksxnkufn;kA

v{kerk vkSj fnokfy;kiu lafgrk

egRoiw.kZ ifjo`f¼ (fodkl)

4-39izpkyudsrhuo"kks±esa] 'kks/uv{kerkvkSjfnokfy;kiulafgrk(vkbZ-ch-lh-)dsvarxZrekStwnO;oLFkk,detcwrifjfLFkfrdhra=kijvkRe'yk?kkdjrhgS]tksfu.kZ;uizkf/dkjh]vkbZ-ch-ch-vkbZ-]rhu'kks/u v{kerk is'ksoj ,tsafl;ksa] vkjchchvkbZ] 11iathd`rewY; fu/kZjdlaxBuksavkSj2]374iathd`r

rkfydk8% thou chek esa iSB

fooj.k 2011 2012 2013 2014 2015 2016 2017 2018

chekiSB(izfr'kresa) 3.40 3.17 3.10 2.60 2.72 2.72 2.76 2.74cheklacaèkl?kurk(vesfjdhMkyjesa) 49.0 42.7 41.0 44.0 43.2 46.5 55.0 55.0lzksr%fLoljs]flXek

rkfydk 9% xSj&thou chek esa foLrkj

fooj.k 2011 2012 2013 2014 2015 2016 2017 2018

cheklacaèkhiSB(izfr'kresa) 0.70 0.78 0.80 0.70 0.72 0.77 0.93 0.97cheklacaèkhl?kurk(vesfjdhMkWyjesa) 10.0 10.5 11.0 11.0 12.0 13.2 18.0 19.0lzksr%fLoljs]flXek

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