jkT; Lrjh; cSadlZ lfefr ¼m0iz0½ dh ekpZ 2012 =Sekl dh leh{kk cSBd fnukad 20-06-2012 dk **egkjktk lk;kthjko xk;dokM lHkkxkj**] cM+kSnk gkml] xkserh uxj] y[kuÅ esa lEiUu gqbZ ftldh v/;{krk Jh vkj- ds- c{kh] dk;Zdkjh funs”kd] cSad vkWQ cM+kSnk }kjk dh x;hA cSBd esa Mk0 jch ,u- feJk] {ks=h; funs”kd] Hkkjrh; fjtoZ CkSad] y[kuÅ( Jh ,u- d`’.ku] eq[; egkizcU/kd] ukckMZ] y[kuÅ] Jh f”ko flag ;kno] funs”kd] laLFkkxr foRr funs”kky;] mRrj izns”k “kklu rFkk Jh fnus”k flag] vij fodkl vk;qDr ¼gFkdj?kk½ Hkkjr ljdkj] ubZ fnYyh fo”ks’k :i ls mifLFkr jgsA lkFk gh fofHkUu cSadksa@foRrh; laLFkkvksa] jkT; o dsUnz ljdkj ds ofj’B dk;Zikydkas o mPpkf/kdkfj;ksa us Hkh bl cSBd esa lgHkkfxrk dhA Hkkx ysus okys vf/kdkfj;ksa dh lwph layXu gSA
cSBd ds izkjEHk esa Jh Mh- ds- xxZ] egkizcU/kd cSad vkWQ cM+kSnk ,oa la;kstd] jkT; Lrjh; cSadlZ lfefr ¼m0iz0½ us Jh vkj- ds- c{kh] dk;Zdkjh funs”kd] cSad vkWQ cM+kSnk] Jh f”ko flag ;kno] funs”kd] laLFkkxr foRr funs”kky;] Mk0 jch ,u- feJk] {ks=h; funs”kd] Hkkjrh; fjtoZ CkSad] y[kuÅ( Jh ,u- d`’.ku] eq[; egkizcU/kd] ukckMZ] y[kuÅ] Jh jkds”k d`’.kk] vij funs”kd] laLFkkxr foRr funs”kky; rFkk Jh fnus”k flag] vij fodkl vk;qDr ¼gFkdj?kk½ Hkkjr ljdkj] ubZ fnYyh o cSBd esa i/kkjs vU; lHkh x.kekU; vfrfFk;ksa dk Lokxr djrs gq;s dgk fd lnu esa vki lHkh dh mifLFkfr fUk”p; gh bl ckr dk ifjpk;d gS fd ge lHkh vius izns”k rFkk ;gka dh turk ds mRFkku ds izfr tkx:d gSA
mUgksus orZeku vUrjkZ’Vªh; vFkZO;oLFkk esa gks jgh mFky&iqFky] ?kVrh fodkl nj rFkk fujUrj c<+ jgh egaxkbZ ds dkj.kksa ls Hkkjro’kZ esa eglwl fd;s tk jgs izHkkoksa rFkk ,slh fLFkfr esa ,d&nwljs ds vkilh lg;ksx ls bu lEHkkoh nq’ifj.kkeksa ls izHkkfor gq;s fcuk fodkl dh xfr dks cuk;s j[kus gsrq izHkkodkjh dne mBkus dh vksj lnu dk /;ku vkdf’kZr fd;kA
- ,l ,y ch lh vkadM+ks ds izs’k.k gsr Online Data Submission Package rS;kj fd;k x;k gS ijUrq ;g ns[kk tk jgk gS fd dgha dgha vkdMk+sa ds lgh izs’k.k o fu/kkZfjr le; lhek dk /;ku ugha fn;k tk jgk gS- lgh vkadM+ksa ds ifjyf{kr u gksus ds dkj.k gekjs lHkh iz;klksa o miyfC/k;ksa dk lgh Projection ugha gks ikrk
foRrh; lekos”ku Iyku ds vUrxZr ekpZ 2012 gsrq fu/kkZfjr y{;ksa dh iwfrZ ds mijkUr] 1600 ls 2000 vkcknh okys yxHkx &8190& xkoksa esa cSafdax lsokvksa ds foLrkj gsrq rS;kj dk;Z;kstuk (Roadmap) dk ekpZ 2013 rd fdz;kUo;u ge lHkh ds fy;s ,d pqukSrh gS- ijUrq bl fn”kk esa ge lHkh dk fo”kky vuqHko] izns”k “kklu dk lg;ksx o gekjs fu;kedksa RBI o NABARD dk ekxZn”kZu fu”p; gh gesa lQyrk dh u;h mpkbZ;ksa rd ys tk;sxk] ,slk esjk fo”okl gSAlkFk gh bl dk;Z dks Hkkjr ljdkj dh ea”kkuq:i fnlEcj 2012rd iwjk djus dk y{; gesa izkIr djuk gksxk
- cSad ns;ks dh olwyh gsrq izns”k “kklu }kjk pyk;s tk jgs egRoiw.kZ vfHk;ku] ftlds vUrxZr lHkh Recovery Certificates (RC) ntZ [kkrksa dk daI;wVjhdj.k djus dk fu.kZ; fy;k x;k gS gsrq eSa izns”k “kklu dk /kU;okn nsuk pkgwWxk- lkFk gh lHkh cSadlZ ls vuqjks/k Hkh gS fd bl dk;Z dks vfoyEc iwjk djus esa viuk lg;ksx iznku djs rkfd Hkfo’; esa lHkh vkuykbu olwyh izek.k i= ntZ dh tk lds-
- tSlk fd vki voxr gS] vius izns”k ds lHkh &75& tuinksa esa cSadks }kjk &20& xkoksa dks vaxhsd`r dj muds lokZaxh.k fodkl gsrq ,d vfHk;ku izkjEHk fd;k x;k gS- bl dM+h esa dqy &1500& xkoksaa ds p;u o muesa fodkl izfdz;k gsrq cSadlZ }kjk fu/kkZfjr :ijs[kk ds fdz;kUo;u gsrq eSa iqu% vkils vuqjks/k djuk pkgwWxk ftldh leh{kk izR;sd ekg dh tk;sxh- bu lHkh xkoksa dh lwpuk ,l ,y ch lh dks 30 twu rd miyC/k djk nh tk;sa vkSj buesa fodkl izfdz;k izkjaHk dj nh tk;-
- vkt ge izns”k dh okf’kZd _.k ;kstuk 2012&13 dh “kq:vkr dj jgsa gSa ftl ij okLrfod :i ls tuin Lrj ij dk;Zokgh xr~ 1 vizSy] 2012 ls izkjEHk gks pqdh gS- ;g okf’kZd _.k ;kstuk] ukckMZ }kjk rS;kj Potential Linked Plan (PLP dk yxHkx 98% gS tks bl ckr dks n”kkZrk gS fd tuin Lrj ij rS;kj PLP o ACP dk okLrfod :i ls vakdyu fd;k x;k gS- eSa lHkh cSadlZ ls vuqjks/k djuk pkgwWxk fd bl o’kZ ge vius lHkh vkoafVr y{;ksa dh “kr~&izfr”kr iwfrZ lqfuf”pr djsa] tks foxr~ o’kZ esa ek= 90-45% ds Lrj rd gh lEHko gks ik;h-
vius lacks/ku ds vUr esa Jh xxZ us lHkh lacaf/kr foHkkxksa o foHkkx izeq[kkas ds lg;ksx o ekxZn”kZu gsrq /kU;okn nsrs gq;s bl cSBd esa iqu% Lokxr fd;kA
vius v/;{kh; lEcks/ku essa Jh vkj- ds- c{kh] dk;Zdkjh funs”kd] cSad vkWQ CkM+kSnk us lHkh vfrfFk;ksa ds LokxrksijkUr dgk fd jkT; Lrjh; CkSadlZ lfefr dk ewy mnns”; fofHkUu foRrh; laLFkkvksa o ljdkj ds e/; ,d leUo; LFkkfir dj fodkl izfdz;k dks xfr iznku djuk
oSf”od vFkZO;oLFkk ij izdk”k Mkyrs gq;s Jh c{kh us voxr djk;k fd Hkkjr o’kZ esa o’kZ 2012&13 ds nkSjku fodkl nj 7-6 izfr”kr jgus ds vklkj gS tks foxr o’kksZ ds lkis{k de gS vkSj vkfFkZd eanh dh vksj bafxr djrh gS- tgka ,d vksj d`f’k o O;olk; {ks= esa vPNh o`f) ntZ gq;h gS ogh nwljh vksj vkS|ksfxd o`f) nj de jgus ls Hkkjr dh fodkl nj esa deh vk;h gS o bl {ks= ds fodkl gsrq lexz iz;kl vko”;d gS-
Jh vkj- ds- c{kh us izns”k esa fofHkUu ekudksa esa ntZ izxfr ij ppkZ djrs gq;s dgk fd &
- foRrh; lekos”ku Iyku ds vkarxZr izns”k esa md ljkguh; dk;Z fd;k x;k gS ftlds fy;s lHkh cSadlZ c/kkbZ ds ik= gS- 2000 ls vf/kd vkcknh okys dqy vkoafVr 16270 xkoksa ds lkis{k 16388 xkoks esa cSAfdx lsokvks dk foLrkj] yxHkx 9916 vYVªk Leky “kk[kkvksa dh “kq:vkr o 5000 ls vf/kd vkcknh okys 91 xkoks esa fczd o eksVkZj “kk[kkvksa dh LFkkiuk ljkguh; iz;kl gS- mUgksus Hkkjr ljdkj ds uohu fn”kkfunsZ”kksa ds vUrxZr 1600 ls 2000 vkcknh ¼2001 tux.kuk½ okys p;fur lHkh xkoksa esa cSafdx lsokvks ds foLrkj gsrq rS;kj jksM+eSi ds fdz;kUo;u o y{;ks dh iwfrZ ekg fnlEcj 2012 rd dj ysus dk vkºokg~u fd;k rFkk fo”okl O;Dr fd;k fd lHkh cSad vius iwoZ vuqHko o miyC/k lalk/kuksa dk leqfpr mi;ksx djrs gq;s bl dk;Z dks le;c) rjhds ls iwjk dj ldsxsa--
- okf’kZd _.k ;kstuk 2011&12 ds vUrxZr ntZ izxfr dh leh{kk djrs gq;s Jh vkj- ds- c{kh us pkyw foRrh; o’kZ 2012&13 ds nkSjku rS;kj ;kstuk ds lHkh y{;ks dh “kr izfr”kr iwfrZ djus gsrq vuqjks/k fd;k- d`f’k {ks= ds vUrxZr Hkkjr ljdkj }kjk izLrkfor ` 5-75 yk[k djksM+ ds _.k forj.k y{;ks dk mYys[k djrs gq;s izns”k esa d`f’k {ks= es O;kIr vikj laHkkoukvksa dk nksgu djus o bl {ks= esa vf/kdkf/kd _.k izokg lqfuf”pr fd;s tkus gsrq dgk
- fdlku dzsfMV dkMZ ;kstuk ds vUrxZr izns”k esa fd;s tk jgs mYys[kuh; dk;Z dh iz”kalk djrs gq;s mUgksus Hkkjr ljdkj }kjk tkjh uohu fn”kkfunsZ”kks ls voxr djk;k ftlds vUrxZr lHkh ik= d`’kdks dks Line of Credit ds vk/kj ij &5& o’kksZ gsrq fdlku dzsfMV dkMZ tkjh fd;s tkus dk izko/kku fd;k x;k gS- mUgksus lHkh ik= ijUrq oafpr d`’kdks dks fdlku dzsfMV dkMZ miyC/k djkdj lar`Ir djus dk tks iz;kl vHkh rd izns”k ds 8 tuinks esa fd;k x;k gS mldk foLrkj izns”k ds lHkh tuinksa esa fd;s tkus dh vko”;drk dks nksgjk;k-
- izns”k ds _.k tek vuqikr esa gks jgh fujUrj fxjkoV ij fpUrk O;Dr djrs gq;s Jh c{kh us blesa O;kid o`f) ,oa lq/kkj gsrq funsZf”kr fd;k ftles jkT; ljdkj }kjk <+kpkxr lqfo/kk;sa o cSadksa }kjk foRrh; lalk/kuksa dh miyC/krk vko”;d gksxh- mUgksus dgk fd izns”k esa d`f’k] izkFkfedrk izkIr {ks= o detksj oxZ ds O;fDr;ksa gsrq dze”k% 31-93% 63-89% o 20-72% dh _.k miyC/krk cSadks }kjk fd;s tk jgs egRoiw.kZ ;ksxnku dk |ksrd gS-
- cSad ns;ks dh olwyh o fofHkUu ljdkj izk;ksftr ;kstukvksa ds vUrxZr u;s foRrh; o’kZ esa O;kid lq/kkj dh vko”;drk ij cy nsrs gq;s dk;Zdkjh funs”kd egksn; us lHkh lacaf/kr ,stsUlht ds lg;ksx dh vis{kk dh- uksMy ,stsUlht }kjk xq.koRrk ;qDr _.k vkosnu i=ksa ds le; ls izs’k.k o cSadks }kjk muesa le;c) lhek ds vUrxZr dk;Zokgh fd;s tkus ls bl fn”kk esa okafNr ifj.kke izkIr fd;s tk ldrs gS-
- vYila[;d leqnk; ds lnL;ksa gsrq izns”k o p;fur 21 tuinksa esa cSad _.k izokg dh ppkZ djrs gq;s dk;Zdkjh funs”kd egksn; us Hkkjr ljdkj }kjk fu/kkZfjr ekudks ds vuq:i dqy izkFkfedrk izkIr {ks= gsrq _.k dk 15 izfr”kr Lrj izkIr djus gsrq Jh vkj- ds- c{kh] dk;Zdkjh funs”kd] cSad vkWQ cM+kSnk us cSadksa dk vkºokg~u fd;k- lkFk gh bu tuinksa esa cSad “kk[kk foLrkj fd;s tkus ij Hkh cy fn;k-
- vU; egRoiw.kZ fo’k;ksa ;Fkk vkjlsVh dh LFkkiuk gsrq Hkkjr ljdkj }kjk fu%”kqYd Hkwfe vkaoVu o xjhch js[kk ds uhps thou Kkfir dj jgs izf”k{k.kkfFkZ;ksa gsrq Mh-vkj-Mh-,- }kjk cSadks dks izf”k{k.k “kqYd dh izfriwfrZ] bysDVªkfud csfufQV VªkUlQj Ldhe ds vUrxZr ljdkj }kjk lapkfyr lHkh 32 ;kstukvksa esa Hkqxrku ;kstuk gsrq izns”k ljdkj }kjk vfoyEc vko”;d fu.kZ;] cqUnsy[k.M {ks= es cSd ns;ks dh olwyh fo’k;d ekuuh; mPp U;k;ky; ds fu.kZ; o olwyh izfdz;k LFkfxr fd;s tkus laca/kh rr~dze esa izns”k ljdkj }kjk funsZ”kksa ij vfoyEc LFkxukns”k tkjh fd;s tkus gsrq iz;kl] izns”k ds 28 iwohZ tuinksa esa lapkfyr dh tk jgh gfjr Økafr ;kstuk ds vUrxZr y?kq o lhekUr d`’kdksa] Hkwfeghu fdlkuksa gsrq LOk;a lgk;rk lewg o la;qDr ns;rk lewg bR;kfn ds varxZr foRr iks’k.k] o cqudjks ds fgr gsrq Hkkjr ljdkj }kjk ?kksf’kr iqu:)kj] lq/kkj vkSj iquxZBu iSdst ,oa cqudj ØsfMV dkMZ ;kstuk dk fdz;kUo;u bR;kfn fo’k;ks ij cSadlZ o jkT; ljdkj ls vko”;d dk;Zokgh dk vuqjks/k nksgjk;k-
vius v/;{kh; lacks/ku ds lekiu ls igys Jh vkj- ds- c{kh] dk;Zdkjh funs”kd] cSad vkWQ cM+kSnk us fofHkUu vkdM+ksa ds lgh o lle; izs’k.k dh egRrk dks nksgjk;k rkfd fofHkUu Lrjksa dks dh tkus okyh fjiksfVZax esa lgh izxfr dks n”kkZ;k tk lds- vUr esa Jh c{kh us fodkl izfdz;k ls tqMs+ lHkh izfrHkkfx;ksa ds e/; vkilh leUo; dh ljkguk dh ,oa fo”okl O;Dr fd;k fd blh Hkkouk o mRlkg ds lkFk ;g izns”k fofHkUu ekudks esa vkoafVr y{;ks dh iwfrZ izkIr djsxk-
Jh f”ko flag ;kno] funs”kd] laLFkkxr foRr funs”kky;] mRrj izns”k “kklu us vius lEcks/ku esa iwoZ oDrkvksa }kjk fofHkUu eqn~nksa ij O;Dr fopkjksa ij viuh lgefr trk;h ,oa vk”oLr fd;k fd izns”k “kklu }kjk fofHkUu fcUnqvksa ij lgkuqHkwfr iwoZd fu.kZ; gsrq vko”;d dk;Zokgh dh tk;sxhA mUgksus vU; egRoiw.kZ fcUnqvksa ij vius fopkj O;Dr djrs gq;s dgk fd %&
- g’kZ dk fo’k; gS fd Hkkjr ljdkj o izns”k ds ekuuh; eq[; ea=h dh fo”ks’k izkFkfedrk izkIr ;kstuk & foRrh; lekos”ku Iyku ¼LokfHkeku½ dh v|ru izxfr ds vuqlkj vf/kdrj cSadksa us vius y{;ksa dh iwfrZ dj yh gS tks cSdksa ds izns”k dh turk ds izfr leiZ.k dk |ksrd gS rFkk ljkguh; gSA izns”k dh xzkeh.k turk ,oa fofHkUu oxksZ ds fodkl ds fy;s ;g vR;Ur vko”;d ,oa egRoiw.kZ gS fd izns”k esa dk;Zjr cSad o “kklu ds dk;Znk;h foHkkx vkilh lg;ksx ls bl egRoiw.kZ ;kstuk dk lQyrkiwoZd fØ;kUo;u djsa rkfd izns”k dh turk dks bldk ykHk igWqpk;k tk ldssA
- mUgksaus fnukad 18-06-2012 dks lfpo ¼foRrh; lsok;sa½] foRr ea=ky;] Hkkjr ljdkj ,oa eq[; lfpo] mRrj izns”k “kklu dh xfjeke;h mifLFkfr esa cSadksa }kjk &1500& xkoksa ds vaxhdj.k ¼ tks fd ns”k esa igyh ckj gqvk gS½ dh dk;Zokgh ij c/kkbZ nhA
- fdlku ØsfMV dkMZ ;kstuk ds varxZr izns”k esa lHkh cSadkas }kjk vko”;d dk;Zokgh lEikfnr dh tk jgh gSA cM+h la[;k esa _.k vkosnu i=ks ds yfEcr jgus laca/kh leL;k ij fpark O;Dr djrs gq;s Jh ;kno us dgk fd 15 fnu ls vf/kd dksbZ Hkh vkosnu i= yfEcr u jgs ,slk gekjk iz;kl gksuk pkfg;sA fdlku ØsfMV dkMZ ds uohuhdj.k ds eqn~ns ij mUgksus dgk fd bls Hkkjr ljdkj dh ubZ ;kstuk ds vuq:i ikap o’kksZa gsrq , Vh ,e dkMZ tSlk cuk;k tk;s ftlds fy;s os funs”kd d`f’k ds lkFk fopkj foe”kZ djsxsaA
- izns”k esa dk;Zjr fofHkUu cSadksa }kjk lapkfyr vkjlsVh o fdlku Vªsfuax lsUVj dh iz”kalk djrs gq;s mUgksus dgk fd ;g lHkh laLFkku vPNk dk;Z dj jgs gSA Jh ;kno us foxr~ dkQh yEcs le; ls cSadksa }kjk vkjlsVh dh LFkkiuk gsrq fu%”kqYd Hkwfe vkcaVu dh leL;k ds fujkdj.k gsrq vk”oLr fd;k fd ;g ekeyk izns”k ds ekuuh; eq[; ea=h ds laKku esa yk;k tk;sxk rFkk 3 ls 4 eghuksa esa Hkwfe vkcaVu dh leL;k dk fujkdj.k djus dk iz;kl fd;k tk;sxkA
- Jh ;kno us lacaf/kr foHkkxksa ls dgk fd d`f’k {ks= esa fu;kZr dks izksRlkgu nsa rFkk mu ftyksa dks fpfUgr djsa tgkW d`f’k fu;kZr dh lEHkkouk vf/kd gks rFkk mUgsa _.k vklkuh ls miyC/k gks ldsA
mUgksus jkT; ljdkj dh rjQ ls cSadksa dks vk”oLr fd;k fd cSadksa ds dk;Z fu’iknu esa vkus okyh lHkh mfpr leL;kvksa dk fujkdj.k fd;k tk;sxkA
Mk0 jch ,u- feJk] {ks=h; funs”kd] Hkkjrh; fjtoZ CkSad] y[kuÅ] us vius lacks/ku esa fuEu fcUnqvksa ij izdk”k Mkyk %&
- izxfr vakd.kksa ds le; ls izs’k.k o muesa ,d:irk dh egRrk dks crkrs gq;s Jh feJk us bl fn”kk esa cSadks ls viuk vkSlr izfrfdz;k le; ?kVk dj 3 fnu djus dks dgkA
- vk;ZorZ xzkeh.k cSad }kjk lksyj ySEi ;kstukUrZxr fd;s x;s iz”kaluh; dk;Z dks vU; cSadks }kjk fofHkUu tuinks esa izlkfjr o izpfyr fd;s tkus dh vko”;drk gSA
- tgka ,d vksj izns”k esa Okkf’kZd _.k ;kstuk 2011&12 ds vUrxZRk gkfly izxfr ij mUgksus larks’k O;Dr fd;k ogha nwljh vksj _.k tek vuqikr esa 60 izfr”kr ls de Lrj ij viuh vizlUurk O;Dr djrs gq;s blesa vk”kkrhr Lrj rd c<+ksRrjh gsrq cSadks o izns”k “kklu Lrj ls l?ku iz;kl fd;s tkus gsrq funsZf”kr fd;kA
- lw{e] y?kq o e/;e m|eksa dks c<+kok nsus ds mn~ns”; ls vkSj vf/kd izHkkoh dk;Zokgh dh vko”;drk ij cy nsrs gq;s {ks=h; funs”kd] Hkkjrh; fjtoZ cSad us voxr djk;k fd Hkkjrh; fjtoZ cSad ds Lrj ij bl {ks= fo”ks’k dh l?ku leh{kk gsrq ,d fo”ks’k Qksje dk;Zjr gS rFkk =Sekfld vk/kkj ij vk;ksftr cSBdks esa bldh leh{kk dh tkrh gSA
- Mk0 feJk us voxr djk;k fd Hkkjrh; fjtoZ cSad ds vf/kdkfj;ksa }kjk cSad “kk[kkvksa dk Hkze.k fd;k tk;sxk rkfd csgrj xzkgd lsok gsrq cSd “kk[kkvksa dks ijke”kZ iznku fd;k tk ldsA
- ftyk Lrjh; Mh lh lh ,oa Mh ,y vkj lh cSaBdks ds fu/kkZfjr ekudks ds vuqlkj fu;fer vk;kstu o bu cSBdks dk okf’kZd dSys.Mj rS;kj djus ij tksj nsrs gq;s vko”;d dk;Zokgh gsrq Mk0 feJk us funsZf”kr fd;k
- Mk0 jch ,u- feJk us izns”k esa dk;Zjr cSadks ls lacaf/kr vkijkf/kd ekeyksa esa jkT; ljdkj ls lg;ksx dh vis{kk dh ftlls xkzgdksa dk cSadksa ij fo”okl cuk jgsa rFkk xzkgdksa dks csgrj lsok iznku dh tk ldsA lkFk gh _.k ekQh ds lacaf/kr oLrqfLFkfr Li’V djus gsrq Hkh mUgksus jkT; ljdkj ls vkxzg fd;k rkfd Hkze dh fLFkfr lekIr gks rFkk cSad ns;ksa dh vnk;xh gsrq ,d mfpr okrkoj.k o ekgkSy rS;kj gks ldsA
Jh ,u- d`’.ku] eq[; egkizcU/kd] ukckMZ] y[kuÅ us vius lEcks/ku esa fuEu egRoiw.kZ fcUnqvksa dh vksj bafxr fd;k %&
- Hkkjr ljdkj }kjk ykxw dh tk jgh tokgj yky usg: lksyj fe”ku ;kstuk ds vUrxZr gekjs izns”k dh izxfr iwjs Hkkjro’kZ esa vOoy gS ftlesa {ks=h; xzkeh.k cSadksa fo”ks’kdj vk;Zozr xzkeh.k cSad] cMkS+nk mRrj izns”k xzkeh.k cSad] bykgkckn ;w ih xzkeh.k cSad o izFkek cSad dk dkQh vPNk ;ksxnku jgk gSA blh izdkj cSad vkWQ cM+kSnk o flaMhdsV cSad dk Hkh vPNk ;ksxnku gS ftlds fy;s os lHkh c/kkbZ ds ik= gSaA vU; jk’Vªh;d`r cSadksa dk vkºokg~u djrs gq;s mUgksus bl ;kstuk ds varxZr vf/kdkf/kd _.k iznku djus gsrq cSadksa ls vuqjks/k fd;k rkfd izns”k dk vOoy LFkku cuk jgsA bl {ks= esa iwjs Hkkjr o’kZ dk 60 izfr”kr dke mRrj izns”k esa gqvk gSA
- Okkf’kZd _.k ;kstuk 2011&12 ds vUrxZRk ekpZ 2012 rd dh izxfr ij ppkZ djrs gq;s Jh d`’.ku us mRikndrk _.k izokg dks c<+kus gsrq dgkA mUgksus crk;k fd &14& O;olkf;d cSadks us viuk y{; ikj dj fy;k gS rFkk dqN vU; cSadksa esa lq/kkj dh vk”;drk gSA
- _.k tek vuqikr ij mUgksus dgk fd vius izns”k esa blds de Lrj dks lq/kkj dj jk’Vªh; Lrj rd igqWpkus gsrq lHkh ,stsalht dks vko”;d iz;kl djus pkfg;sA mUgksus ;g Hkh dgk fd 2 ls 3 o’kksZ esa _.k tek vuqikr 60 izfr”kr izkIr dj fy;k tk;sxkA
- mUgksus ukckMZ dh vuqnku lefFkZr vU; ;kstukvksa ;Fkk os;jgkmflax] dksYM psu] MhbZihMh Ldhe vkfn dk Hkh mYys[k fd;k ftlds }kjk cSad foRr jkf”k dks c
- izns”k ds fy;s 5 yk[k Loa; lgk;rk lewg dk y{; fu/kkZfjr fd;k x;k gS ftldh iwfrZ gsrq mUgksus lHkh cSadks ds lg;ksx dh vis{kk dhA lkFk gh bl dk;Z esa Lo;a lsoh laLFkkvksa dh Hkkxhnkjh dk Hkh mYys[k fd;k rkfd pkyw foRrh; o’kZ esa bl dk;Z gsrq l?ku iz;kl fd;s tk ldsA
- la;qDr ns;rk lewgksa] y?kq] lhekUr o Hkwfeghu d`’kdksa dks cSad foRr iks’k.k }kjk vkPNkfnr fd;s tkus laca/kh o fdlku dzsfMV dkMZ ;kstukvksa dk ftdz djrs gq;s mUgksus cSadks ls okafNr lg;ksx dh vis{kk dh
vfrfFk;ksa ds lEcks/ku ds mijkUr ikoj IokbaV iztsUVs”ku ds ek/;e ls fofHkUu fcUnqvksa ij foLr`r ppkZ gqbZA
vfrfFk;ksa ds lEcks/ku ds mijkUr ikoj IokbaV iztsUVs”ku }kjk fofHkUu ,ts.Mk fcUnqvksa ij foLr`r ppkZ gqbZ-
,ts.Mk la[;k 1 %& jkT; Lrjh; cSadlZ lfefr dh fnukad 22-02-2012 dks vk;ksftr cSBd ds dk;Zo`Rr dh iqf’V
foxr~ cSBd fnukad 22-02-2012 dk dk;Zo`Rr tks lHkh lnL;ksa dks fnukad 28-03-2012 dks izsf’kr fd;k x;k Fkk] dh lnu }kjk iqf’V dh x;hA
dk;Zlwph la[;k 2 %& jkT; Lrjh; cSadlZ lfefr dh fnukad 22-02-2012 dks vk;ksftr cSBd dh dk;Zokgh fjiksVZ
- (1) cSdksa }kjk lwpuk izkS|ksfxdh ;qDr lsok,sa iznku djuk rFkk bZ isesaV lqfo/kk dks ykxw fd;k tkuk
lnu dks voxr djk;k x;k fd bu nksuks izdj.kksa esa ,l,ychlh }kjk laLFkkxr foRr funs”kky; ls vuqJo.k fd;k tk jgk gSA bl laca/k esa 16-04-2012 dks d`f’k mRiknu vk;qDr dh v/;{krk esa cSBd dk vk;kstu fd;k x;k ftlesa vxz.kh cSadksa( Hkkjrh; fjtoZ cSad o jkT; ljdkj ds ofj’B vf/kdkfj;ksa us Hkkx fy;kA mijksDr laca/k esa cSBd ds nkSjku fy;s x;s fu.kZ;ksa ds vk/kkj ij jkT; ljdkj ls uhfrxr fu.kZ;@vfxzr dk;Zokgh izrhf{kr gS
- (II) jkT; ds leLr tuinksa esa cSadksa }kjk vkjlsVh dh LFkkiuk gsrq jkT; ljdkj }kjk U;wure 1 ,dM+ Hkwfe dk fu%”kqYd vkcaVu
izns”k esa lHkh vxz.kh cSadksa us vcrd &67& RSETIs fdjk;s ds Hkouks esa LFkkfir fd;s gSA gky gh esa jkT; ljdkj us 18 ftyksa esa Hkwfe vkcaVu dh lgefr iznku dh x;h gSA laLFkkxr foRr funs”kky; us bl laca/k esa rRdky vko”;d dk;Zokgh gsrq d`f’k mRiknu vk;qDr] mRrj izns”k ljdkj ls vuqjks/k fd;k gSA ppkZ ds nkSjku Jh f”ko flag ;kno] funs”kd] laLFkkxr foRr funs”kky;] mRrj izns”k “kklu us bl izdj.k ij “kh?kz fu.kZ; gsrq lnu dks voxr djk;kA
- (III) lacaf/kr yhM cSdksa }kjk lHkh yhM ftyksa esa vkjlsVh o ,Q,ylhlh dh LFkkiuk
fofHkUu vxz.kh cSadksa ls izkIr tkudkjh ds vuqlkj fpfUgr lHkh &9& vxz.kh ftyksa esa olwyh izek.k ntZ [kkrksa dk feyku gks pqdk gS rFkk blls lacaf/kr izek.k i= vxz.kh ftyk izca/kd ,oa ftyk jktLo vf/kdkfj;ksa }kjk la;qDr :i ls gLrk{kfjr dj tkjh dj fn;s x;s gSSA
gky gh esa jkT; ljdkj dh igy ij lHkh olwyh izek.k i=ksa ds dEi;wVjhdj.k o Hkfo’; esa buds vkWu ykbu nkf[ky fd;s tkus ds fu.kZ; ls lnu dks voxr djk;k x;kA
jktLo ifj’kn }kjk ;g lykg nh x;h fd yafcr vkjlhl dks vkWu ykbu ntZ djk;k tk;sA
- (IV) olwyh izek.k ntZ [kkrksa dk feyku olwyh esa rsth ykuk
fofHkUu vxz.kh cSadksa ls izkIr tkudkjh ds vuqlkj fpfUgr lHkh &9& vxz.kh ftyksa esa olwyh izek.k ntZ [kkrksa dk feyku gks pqdk gS rFkk blls lacaf/kr izek.k i= vxz.kh ftyk izca/kd ,oa ftyk jktLo vf/kdkfj;ksa }kjk la;qDr :i ls gLrk{kfjr dj tkjh dj fn;s x;s gSSA
gky gh esa jkT; ljdkj dh igy ij lHkh olwyh izek.k i=ksa ds dEi;wVjhdj.k o Hkfo’; esa buds vkWu ykbu nkf[ky fd;s tkus ds fu.kZ; ls lnu dks voxr djk;k x;kA
jktLo ifj’kn }kjk ;g lykg nh x;h fd yafcr vkjlhl dks vkWu ykbu ntZ djk;k tk;sA
- (V) izns”k ds 28 iwohZ tuinksa esa gfjr Økafr ;kstuk dk fØ;kUOk;u
bl ;kstuk ds lEcU/k esa voxr djk;k x;k fd vkoafVr y{;ksa ds lkis{k fofHkUu ekudksa esa cSadksa }kjk vPNh izxfr gkfly dh x;h gS ftldh foLr`r fLFkfr ,ts.Mk fcUnq ds lkFk izLrqr dh tk jgh gSA
- (VI) fdlku ØsfMV dkMZ ;kstuk ds vUrxZr lHkh ik= ijUrq oafpr fdlkuksa dks vkPNkfnr fd;k tkuk
lnu dks voxr djk;k x;k fd bl ;kstuk ds vUrxZr vfHk;ku pykdj lHkh ik= d`’kdksa dks dslhlh tkjh djus dk iz;kl fd;k tk jgk gSA v|ru lwpuk ds vuqlkj izns”k ds &8& tuinksa esa ;g dk;Z iw.kZ dj tuinksa dks lar`Ir fd;k tk pqdk gS o vusd tuinksa esa ;g dk;Z ,MokaLM LVst ij gSA
- (VII) {ks=h; xzkeh.k cSadksa dk iquZiwathdj.k
funs”kd] laLFkkxr foRr funs”kky; us voxr djk;k fd “kklu }kjk bl fo’k; esa izHkkoh dk;Zokgh lqfuf”pr dh tk jgh gS o fu.kZ; ls “kh?kz voxr djk;k tk;sxkA
- (VIII) foRrh; lekos”ku Iyku ds vUrXkZr 5000 ls vf/kd vkcknh okys xkoksa esa cSad “kk[kk foLrkj
lnu dks voxr djk;k x;k fd ;kstukUrxZr izns”k esa lHkh cSadksa }kjk p;fur dqy 198 dsUnzksa ij caSd “kk[kk;sa 30-09-2012 rd [kksyus dh ;kstuk rS;kj dh x;h gS ftlds lkis{k 91 dsUnzksa ij “kk[kk;sa [kksyh tk pqdh gSA
dk;Zlwph la[;k 3 %& foRrh; lekos”ku Iyku ds vUrXkZr izxfr
foRrh; lekos”ku Iyku ds vUrXkZr ekg ebZ 2012 rd dh cSadokj izxfr fjiksZV lnu ds le{k izLrqr dh x;h ftlds vuqlkj izns”k esa p;fur &16270& xkWoksa ds lkis{k &16388& xkaoksa esa ;g dk;Z cSadksa }kjk izkjEHk fd;k tk pqdk gS ftldh ljkguk dh x;h- lnu dks voxr djk;k x;k fd fnuakd 18 twu 2012 dks lfpo ¼foRrh; lsok;sa½] foRr ea=ky;] Hkkjr ljdkj }kjk y[kuÅ esa cSadlZ dh ,d cSBd vk;ksftr dh x;h Fkh ftlesa bl ;kstuk ls lacaf/kr izR;sd fcUnw ij foLr`r leh{kk dh tk pqdh gSA lkFk gh ;g Hkh voxr djk;k x;k fd orZeku esa gekjk y{; 1600 ls 2000 ¼2001 tux.kuk½ vkcknh okys p;fur lHkh xkoksa esa cSafdx lsok dk foLrkj ekg fnlEcj 2012 rd fd;k tkuk gS rkfd fu/kkZfjr le; lhek ekpZ 2013 ls igys gh bl y{; dh iwfrZ laHko gks ldsA
lnu }kjk vYVªk Leky “kk[kkvksa dh LFkkiuk o blls lacaf/kr fofHkUu ekudks esa izxfr dh Hkh leh{kk dh rFkk ;g vis{kk dh x;h fd Hkkjr ljdkj dh bl loksZPPk izkFkfedrk izkIr ;kstuk ds vUrxZr cSadks }kjk lHkh fn”kkfunsZ”kksa dk ikyu lqfuf”pr fd;k tkuk pkfg;sA
dk;Zlwph la[;k 4 %& gFkdj?kk {ks= ds fy, iqu:)kj] lq/kkj vkSj iquxZBu iSdst ,oa cqudj ØsfMV dkMZ ;kstuk dk fdz;kUo;u
fodkl vk;qDr ¼gFkdj?kk½ oL= ea=ky;] m|ksx Hkou] ubZ fnYyh }kjk lapkfyr Hkkjr ljdkj dh bl egRoiw.kZ ;kstuk ds fo’k; essa lnu dks voxr djkrs gq;s crk;k x;k fd ,l,ychlh us vius fofHkUu i=ksa }kjk le; le; ij lHkh lnL; cSadksa dks ;kstuk dh foLr`r tkudkjh o fØ;kUo;u ls lEcfU/kr fn”kk funsZ”k izsf’kr fd;s gSaA ;g Hkh voxr djk;k x;k fd vius izns”k ess cqudj ØsfMV dkMZ ;kstuk ds vUrxZr oL= ea=ky;] Hkkjr ljdkj ds funsZ”kkuqlkj ekg fnlEcj 2011 ls Qjojh 2012 ds e/; &35& tkx:drk f”kfojksa dk vk;kstu &17& tuinksa esa fd;kA bu f”kfojksa esa dqy &17749& O;fDr;ksa ds vkosnu i= ,d= fd;s x;s gSa ftldk cSadokj izs’k.k djus ls iwoZ uksMy foHkkx }kjk mudk izek.khdj.k fd;k tkuk vko”;d gSaA
bl ;kstuk ds fØ;kUo;u ,oa leh{kk gsrq jk’Vªh; Lrj ij ,d National Implementation, Monitoring & Review Committee (NIMRC) dk xBu fd;k x;k gSa ftldh fu;fer cSBdsa oL= ea=ky; }kjk vk;ksftr dh tk jgh gS ftlesa ;kstukUrxZr p;fur jkT;ksa ds ,l,ychlh la;kstd ,oa jkT; ljdkj ds izeq[k lfpo eq[; lnL; gSaA bl lfefr dh &4& cSBds xr~ 26-12-2011] 04-01-2012] 16-02-2012 ,oa 18-04-2012 dks vk;ksftr dh tk pqdh gSaA Hkkjr ljdkj dh bl mPp izkFkfedrk izkIr ;kstuk ds izHkkoh fdz;kUo;u] tkx:drk ,oa y{; lewg dks ;kstuk dk ykHk igqWpkus ds mn~ns”; ls ;g ;kstuk ,l,ychlh dh bl cSBd esa iqu% fo”ks’k ,sts.Mk fcUnq ds :i esa j[kh x;h gSA voxr djk;k x;k fd fuEu egRoiw.kZ fcUnqvksa ij dk;Zokgh visf{kr gS %&
- jkT; ljdkj ls Letter of Commitment tkjh fd;k tkukA
- tuin Lrj ij Mh lh lh dh cSBdks esa bl ;kstuk dh leh{kkA
- lHkh cSadks }kjk ekftZu euh o C;kt miknku jkf”k dh x.kuk dj ukckMZ dks lwfpr djuk rkfd Hkkjr ljdkj ls bl /kujkf”k dk Dyse fy;k tk ldsA bl lanHkZ esa ,l ,y ch lh }kjk vius i= fnukad 15-12-2011] 10-01-2012] 22-03-2012 ,oa 29-05-2012 ds ek/;e ls cSadksa ls vuqjks/k fd;k tk pqdk gSA
- cqudj dkMZ gsrq ,df=r lHkh vkosnu i=ksa ds fuLrkj.k gsrq lacaf/kr foHkkx ds lg;ksx ls cSadksa }kjk rqjUr dk;ZokghA
dk;Zlwph la[;k 5 %& okf’kZd _.k ;kstuk 2011&12 ds vUrxZr ekpZ 2012 rd dh izxfr leh{kk
okf’kZd _.k ;kstuk 2011&12 ds vUrxZr cSadksa }kjk ntZ dh x;h dqy izxfr 90-45 izfr”kr dh leh{kk dh x;h tks foxr~ o’kZ dh leku vof/k dh miyfC/k ¼103-84 izfr”kr½ dh rqyuk esa de jgh gSA lsDVjokj d`f’k] y?kq m|e ,oa lsokvksa ds vUrxZr ntZ izxfr Øe”k% 90-35] 109-61 o 73-91 izfr”kr jghA ppkZ ds nkSjku ;g ckr lkeus vk;h fd lgdkjh {ks= ds cSadksa dk ;ksxnku ek= 58-25 izfr”kr jgk gS ftlesa vko”;d lq/kkj dh vko”;drk gS rkfd muds ;ksxnku ls izns”k dk dqy mIkyfC/k izfr”kr
c<k;k tk ldsA
cSBd dh v/;{krk dj jgs dk;Zdkjh funs”kd] cSad vkWQ cMkSnk] Jh vkj- ds- c{kh uss dgk fd dqN cSadks dh miyfC/k fu/kkZfjr ekudksa ds lkis{k dkQh de jgh gS ftldk izfrdwy izHkko izns”k esa lHkh cSadksa dh dqy miyfC/k ij fn[kk;h iM+ jgk gSA
bl volj ij foRrh; o’kZ 2012&13 gsrq rS;kj okf’kZd _.k ;kstuk ds vUrxZr fu/kkZfjr lHkh y{;ksa dh “kr~ izfr”kr iwfrZ gsrq lnu dk /;ku vkdf’kZr fd;k x;kA
dk;Zlwph la[;k 6 %& _.k & tek vuqikr
izns”k esa dk;Zjr cSadksa dh ekpZ 2012 rd dh izxfr ij lnu }kjk leh{kk dh x;h rFkk blesa vk”kkrhr lq/kkj ykus gsrq funsZf”kr fd;k x;kA egkizca/kd] cSad vkWQ cM+kSnk ,oa la;kstd ,l,ychlh] Jh Mh- ds- xxZ us iqu% cSadks ls dgk fd ,sls lHkh ,dkmUVl ftuesa foRr iks’k.k nwljs izns”kkas essa fLFkr cSad “kk[kkvksa }kjk fd;k x;k gS ijUrq ;wfuVl vius izns”k esa dk;Zjr gSa] dh foLr`r lwpuk ,l,ychlh dks izsf’kr dh tk;s rkfd _.k & tek vuqikr dk lgh ewY;kadu fd;k tk ldsA
dk;Zlwph la[;k 7 %& Hkkjr ds iwohZ izns”kksa esa Hkkjr ljdkj }kjk pyk;h tk jgh gfjr Økafr ;kstuk ds vUrxZr d`f’k _.k izokg dh leh{kk
Hkkjr ljdkj dh bl egRoiw.kZ ;kstuk ds vUrxZr ;wfu;u cSad vkWQ bf.M;k dh v/;{krk esa xfBr mi&lfefr }kjk rS;kj izxfr fjiksZV dk ikoj IokbaV izLrqrhdj.k fd;k x;k ftlds ek/;e ls ;kstukUrxZr v|ru fLFkfr ls lnu dks voxr djk;k x;k- bl izLrqrhdj.k ds eq[; fcUnq fuEukuqlkj gS %&
- fofHkUu tuinksa esa d`f’k {ks= ds varxZr vkoafVr vfrfjDr y{; ds lkis{k lHkh cSadksa }kjk ,d vPNh izxfr ntZ dh x;h gS rFkk tuinokj fLFkfr izLrqr dh x;hA
- cSadksa }kjk 24172 u;s Lo;a lgk;rk lewgksa dk xBu fd;k x;k gS tks vkoafVr y{; 32700 ds lkis{k yxHkx 74 izfr”kr miyfC/k n”kkZrk gSA
- la;qDr ns;rk lewgksa ds vkoafVr y{; 28704 ds lkis{k ek= 7072 u;s lewgksa dk xBu fd;k x;k tks y{;ksa ds lkis{k dkQh de gSA
- lHkh cSadksa }kjk bu 28 tuinks esa dqy 253 u;h “kk[kk,sa [kksyh x;h gSaA
dk;Zlwph la[;k 8 %& fdlku ØsfMV dkMZ ;kstuk ds vUrxZr lHkh ik= ijUrq oafpr fdlkuksa dks vkPNkfnr fd;k tkuk
la;kstd ,l ,y ch lh }kjk voxr djk;k x;k fd izns”k esa pyk;s tk jgs vfHk;ku ds vUrxZr foRrh; o’kZ 2011&12 esa cSdksa }kjk 20-37 yk[k u;s fdlku dkMZ tkjh fd;s x;s gaS tcfd 25-67 yk[k vU; ekeyksa esa fdlku dkMZ uohuhdj.k dh izfdz;k laikfnr dh x;h gSaA la;qDr d`f’k funs”kd Mk0 xqIrk us crk;k fd muds }kjk lHkh tuinksa esa bl vfHk;ku ds varxZr “krizfr”kr y{; iwfrZ gsrq vko”;d funsZ”k tkjh fd;s x;s gSA funs”kd] laLFkkxr foRr funs”kky; Jh f”ko flag ;kno us d`f’k foHkkx ls vuqjks/k fd;k fd os tuinokj@cSadokj izxfr fjiksVZ ,l,ychlh dks vfoyEc miyC/k djk;sa rkfd cSadksa }kjk yfEcr vkosnu i=ksa okys ekeyksa esa fuLrkj.k dh dk;Zokgh dh tk ldsA lkFk gh lkFk pkyw foRrh; o’kZ gsrq u;s vkosnu i=ksa ds izs’k.k gsrq Hkh dk;Zokgh izkjaHk dh tkuh pkfg;s
Jh jkeiky ,l jkor] eq[; {ks=h; izca/kd] , vkbZ lh vkWQ bfUM;k fy0 us Qlyh chek ;kstuk ds vUrxZr p;fur ftyksa o chfer jkf”k dh fLFkfr ls voxr djk;kA
dk;Zlwph la[;k 9 %& lw{e] y?kq ,oa e/;e m|eksa dks vfxze
izns”k esa dk;Zjr cSadksa dh ekpZ 2012 rd dh izxfr lnu ds le{k izLrqr dh x;h ftl ij lnu }kjk larqf’V izdV dh x;hA SIDBI dh CGTMSE ;kstuk ds vUrxZr pkyw foRrh; o’kZ esa cSadksa }kjk ntZ izxfr ij lnu }kjk g’kZ O;Dr fd;k x;kA
dk;Zlwph la[;k 10 %& lkgwdkjh _.k eqfDr ;kstuk ,oa la;qDRk ns;rk lewg
lkgwdkjh _.k eqfDr ;kstuk ,oa la;qDr ns;rk lewg ;kstukvksa ds vUrxZr foRrh; o’kZ 2011&12 dh izxfr lnu ds le{k izLrqr dh x;hA ftlds vuqlkj vkyksP; vof/k esa Øe”k% &18504& ,oa &14565& u;s [kkrksa esa cSadksa }kjk foRrh; lgk;rk iznku dh x;h gSA lkFk gh bu nksuks ;kstukvksa ds varxZr cSadksa }kjk dqy v|ru &115493& rFkk &27835& [kkrs dze”k% foRr iksf’kr fd;s x;s gSA
dk;Zlwph la[;k 11 %& olwyh&izkFkfedrk izkIr {ks=] olwyh izek.k i= fuxZr [kkrs] ljdkj }kjk izk;ksftr ;kstukUrxZr o xSj fu"iknd vkfLr;kW
izkFkfedrk izkIr {ks= o d`f’k {ks= ds vUrxZr Øe”k% 63-73 ,oa 62-48 izfr”kr olwyh dh fLFkfr ij lnu }kjk larks’k O;Dr fd;k x;k ;|fi ;g fLFkfr foxr~ o’kZ ds leku vof/k dh fLFkfr ds lkis{k fxjkoV ifjyf{kr djrh gSA
olwyh izek.k i=ksa ds feyku ls lEcfU/kr p;fur lHkh 9 tuinkas esa ;g dk;Z iw.kZ fd;s tkus dh tkudkjh nh x;hA
blh Øe esa fofHkUu ljdkj izk;ksftr ;kstukvksa rFkk ,u-ih-,- fjdojh dh fLFkfr ij Hkh ppkZ gqbZ- mYys[kuh; gS fd vkyksP; vof/k esa ,u-ih-,- jkf”k 5-28 izfr”kr foxr~ o’kZ dh vkyksP; vof/k ¼5-57 %½ ds lkis{k deh n”kkZrk gSA
Jh vkj- ds- vxzoky] egkizcU/kd] Hkkjrh; LVsV CkSad] Jh oh- ih- tks;y] egkizcU/kd] iatkc us”kuy cSad o Jh vkj- ds- tSu] egkizcU/kd] bykgkckn cSad us cqUnsy[k.M {ks= esa ekuuh; mPp U;k;ky; ds vkns”k o rrØe esa mRrj izns”k “kklu }kjk tkjh vkns”kksa ds dkj.k izHkkfor gks jgh cSad _.kksa dh olwyh ij lnu dk /;ku vkdf’kZr djrs gq;s bl izdj.k ij vfoyEc LFkkxukns”k ikfjr fd;s tkus gsrq jkT; ljdkj ls vuqjks/k fd;kA cSBd dh v/;{krk dj jgs Jh vkj- ds- c{kh] dk;Zdkjh funs”kd] cSad vkWQ cM+kSnk us jkT; ljdkj ls iqu% bl egRoiw.kZ fcUnq ij ekuuh; U;k;ky; ds le{k cSadksa dk i{k j[kdj vfr”kh?kz ldkjkRed fu.kZ; ysus gsrq izHkkoh dk;Zokgh djus dk vuqjks/k fd;kA
dk;Zlwph la[;k 12 %& vYila[;d leqnk;ksa dks foRrh; lgk;rk
izns”k esa dk;Zjr cSadksa dh ekpZ 2012 rd dh izLrqr izxfr ij lnu }kjk leh{kk dh x;h o larks’k O;Dr fd;k x;kA Jh vkj- ds- c{kh] dk;Zdkjh funs”kd] cSad vkWQ cM+kSnk us Hkkjr ljdkj dh bl izFkfedrk izkIr ;kstuk esa dqy izFkfedrk izkIr {ks= dks forfjr _.k dk 15 izfr”kr _.k iznku djus rFkk ekuuh; iz/kku ea=h ds 15 lw=h; dk;Zdze esa fufgr egRoiw.kZ fcUnw dh iwfrZ lqfuf”pr djus gsrq funsZf”kr fd;kA
dk;Zlwph la[;k 13 %& “kgjh xjhcksa dks vkokl gsrq C;kt miknku ;kstuk
bl ;kstuk dh izxfr lnu ds le{k izLrqr dh x;hA jk’Vªh; vkokl cSad }kjk bl ;kstukUrxZr okafNr izxfr gsrq vuqjks/k fd;k x;kA
dk;Zlwph la[;k 14 %& fofHkUu xjhch mUewyu o Lojkstxkjijd dk;ZØzeksa dh izxfr leh{kk
¼d½ Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY):
izns”k esa dk;Zjr cSadksa dh foRrh; o’kZ 2011&12 ds nkSjku ntZ izxfr ij lnu }kjk leh{kk dh x;h ftlds vUrxZr &20031& lewgksa o &44774& O;fDrxr Lojkstxkfj;ksa dks foRrh; lgk;rk miyC/k djk;s tkus ls voxr djk;k x;kA
bl lEcU/k esa Hkkjr ljdkj ds funsZ”kkuqlkj LFkkfir fd;s tkus okys vkjlsVh laLFkkuksa dh izxfr ij foLr`r ppkZ gqbZA bl egRoiw.kZ ;kstukUrZxr fdjk;s ds ifjljksa esa py jgs vkjlsVh laLFkkuksa ds fdjk;s dh izfriwfrZ fd;s tkus rFkk lHkh vkjlsVht gsrq fu%”kqYd Hkwfe ds vkcaVu gsrq jkT; ljdkj ls iqu% vuqjks/k nksgjk;k x;kA
blh Øe esa Hkkjrh; fjtoZ cSad ds funsZ”kkuqlkj izns”k esa fofHkUu cSadksa }kjk LFkkfir &63& foRrh; lk{kjrk ,oa _.k ijke”kZ dsUnzksa ¼,Q,ylhlh½ dh izxfr Hkh izLrqr dh x;hA izxfr fjiksVZ ds vuqlkj bu dsUnzksa }kjk yxHkx 11000 O;fDr;ksa dks vHkh rd foRrh; lykg@ijke”kZ dk ykHk iznku fd;k tk pqdk gSA
Jh ,u- lh- “kekZ] LVsV izkstsDV dksvkjfMusVj] vkjlsVhl] xzkeh.k fodkl ea=ky;] Hkkjr ljdkj tks bl cSBd esa igyh ckj i/kkjs us lnu dks Hkkjr ljdkj dh vis{kkvksa rFkk vkjlsVh laLFkkuksa dh egRrk ij izdk”k MkykA mUgksus voxr djk;k fd vc gekjs izns”k esa Hkkjr ljdkj }kjk 2 LVsV izkstsDV dksvkjfMusVj fu;qDr fd;s x;s gS tks izns”k esa dk;Zjr fofHkUu laLFkkuksa dk fu;fer nkSjk djsxsaA lkFk gh mUgksus izns”k ljdkj ls vko”;d lg;ksx iznku djus dk vuqjks/k fd;kA
¼[k½ Lo.kZ t;Urh “kgjh jkstxkj ;kstuk (SJSRY):
Jh f”ko “kadj flag] funs”kd] lwMk] mRrj izns”k “kklu us bl ;kstuk ds vUrxZr izxfr dh leh{kk fjiksVZ izLrqr dh rFkk bl ;kstuk ds u;s Lo:i dh Hkh ppkZ dhA Jh flag us “kh?kz gh cSadks dh ,d cSaBd vk;ksftr dj bl ;kstuk esa vk”kkrhr izxfr gkfly djus dk fo”okl O;Dr fd;kA
¼x½iz/kkuea=h jkstxkj l`tu dk;ZØe (PMEGP):
bl ;kstukUrxZr izns”k esa fofHkUu cSadksa ds Lrj ij foxr o’kksaZ ds yfEcr iMs+ ekftZu euh DysEl ls lacaf/kr v|ru tkudkjh ij ppkZ gqbZA foRrh; o’kZ 2012&13 gsrq Hkkjr ljdkj ls izkIr y{;ksa ds tuinokj vkoaVu ij ppkZ ds nkSjku ;g voxr djk;k x;k fd bu y{;ksa ds vkoaVu ls iwoZ foxr o’kksZ ds yfEcr ekftZu euh nkoksa dk fuLrkj.k vko”;d gSA
¼?k½l?ku feuh Ms;jh ifj;kstuk (SMDP):
;kstukUrxZr ekpZ 2012 rd dh izxfr lnu ds le{k izLrqr dh rFkk cSadksa }kjk iznku fd;s tk jgs lg;ksx dh ljkguk dhA
¼p½ fo'ks"k lefUor ;kstuk
izns”k esa dk;Zjr cSadksa dh ;kstukUrxZr izxfr lnu ds le{k izLrqr dh x;hA
¼N½dsohvkbZch ;kstuk ¼eq[;ea=h xzkeks|ksx jkstxkj ;kstuk½
izns”k esa dk;Zjr cSadksa dh ;kstukUrxZr izxfr lnu ds le{k izLrqr dh x;hA
¼t½fiNM+s oxksZ gsrq ekftZu euh ;kstuk
izns”k esa dk;Zjr cSadksa dh ;kstukUrxZr izxfr lnu ds le{k izLrqr dh x;hA
dk;Zlwph la[;k 15 %& Lo;a lgk;rk lewg ¼,l-,p-th-½
izns”k esa dk;Zjr cSadksa dh ;kstukUrxZr izxfr lnu ds le{k izLrqr dh x;hA
dk;Zlwph la[;k 16 %& Hkkjr ljdkj dh uohu ;kstuk;sa
izns”k esa dk;Zjr cSadksa dh ;kstukUrxZr izxfr lnu ds le{k izLrqr dh x;hA
1. ,xzhDyhfud@,xzhfctusl dsUnz
lUnfHkZr ;kstukUrxZr foRrh; o’kZ 2011&12 ds nkSjku cSadksa }kjk Øe”k% 139 ekeyksa esa _.k Lohd`fr o 134 ekeyksa esa _.k forj.k dh dk;Zokgh lEikfnr dh x;h gSA
2. 2. xzkeh.k HkaMkj.k gsrq dSfiVy bUosLVesaV lfClMh ;kstuk
lUnfHkZr ;kstukUrxZr foRrh; o’kZ 2011&12 ds nkSjku cSadksa }kjk lHkh 24 ekeyksa esa _.k Lohd`fr o _.k forj.k dh dk;Zokgh lEikfnr dh x;h gSA
dk;Zlwph la[;k 17 %& cSadksa ls lEcfU/kr vkijkf/kd ekeys
izns”k esa dk;Zjr cSadksa ls lEcfU/kr 9 vkijkf/kd ekeyksa dh v|ru fLFkfr lnu ds le{k izLrqr dh x;h tks Øe”k% cSad vkWQ cMk+Snk] iatkc us”kuy cSad] cfy;k bVkok xzkeh.k cSad o loZ ;w- ih- xzkeh.k cSad ,oa izFkek cSad ls lEcfU/kr gSaaA Jh fnyhi dqekj] iqfyl v/kh{kd ¼dzkbe½] Mhthih eq[;ky; us fofHkUu ekeyksa esa v|ru fLFkfr ls voxr djk;kA
Jh Mh- ds- xxZ] egkizcU/kd cSad vkWQ cM+kSnk ,oa la;kstd] jkT; Lrjh; cSadlZ lfefr ¼m0iz0½ us tuin esjB esa ljQslh ,DV ds vUrxZr cSad vkWQ cMk+Snk }kjk dh x;h _.k olwyh dh dk;Zokgh ds izfrQy fojks/kh ikVhZ }kjk cSad vkWQ cMk+Snk ds egkizcU/kd Lrj ds ofj’B dk;Zikydksa ij ,QvkbZvkj ntZ djk;h x;h gSA LFkkuh; iqfyl iz”kklu }kjk cSad ds vkosnu ij dksbZ dk;Zokgh ugha dh tk jgh gS rFkk cSad ds ofj’B vf/kdkfj;ksa ij fujUrj ncko cuk;k tk jgk gSA
Jh f”ko flag ;kno] funs”kd] laLFkkxr foRr funs”kky; us bu lHkh ekeyksa dk laKku ysrs gq;s vfr”kh?kz vko”;d dk;Zokgh djus gsrq izns”k ljdkj dh vksj ls vk”oklu fn;kA Jh f”ko flag ;kno us ;g Hkh dgk fd Hkfo’; esa ;fn bl izdkj dh ?kVuk;sa ?kfVr gksrh gS rks rqjUr gh bldh lwpuk cSadlZ }kjk mUgsa Hkh nh tk;s vkSj mlds Rofjr lek/kku gsrq jkT; ljdkj lnSo rS;kj gSA
dk;Zlwph la[;k 18 %& vU; fo’k; v/;{k dh vuqefr ls
,sts.Mk uksV ds lkFk izLrqr fofHkUu fo’k;ksa ij fLFkfr izLrqr dh x;h ,oa lnu }kjk lacaf/kr dk;Znk;h ,stsUlh@ cSadlZ }kjk vko”;d dk;Zokgh dh vis{kk dh x;hA
cSBd ds vUr esa Jh vkj- ds- vxzoky] egkizcU/kd] Hkkjrh; LVsV cSad us /kU;okn Kkfir fd;kA
* * * * * * * * * *
jkT; Lrjh; cSadlZ lfefr ¼m0iz0½ dh cSBd fnukad 20-06-2012 ds dk;ZfcUnq
(Action Points of SLBC Meeting dated 20.06.2012)
jkT; Lrjh; cSadlZ lfefr ¼m0iz0½ dh cSBd fnukad 20-06-2012 esa ppkZ ds nkSjku fuEufyf[kr dk;ZfcUnq dk;Zokgh gsrq ifjyf{kr gq;s %&
SN |
Issue |
Status |
Latest Position |
Required Action |
1. |
IT enabled services by the Banks & e-payments Schemes funded by Govt. of India |
It has been desired that Banks should implement “BC Model” fast in far flung rural areas to provide banking services.
|
Further, as per directions from Deptt. of Financial Services. MoF, GoI, the Banks are required to ensure that all grants/subsidies under Govt. Sponsored Schemes should be directly credited to the account of the beneficiary Electronically.
|
Both these issues have been forwarded to the Directorate of Institutional Finance, GoUP and are also being followed up.
Further, these issues are also being thoroughly deliberated upon in the SLBC Meetings regularly.
A Meeting has been convened on 16.04.2012 under the Chairmanship of APC, GoUP which was attended by major Lead Banks, RBI and senior State Govt. authorities. DIF vide communication dated 08.06.2012 has informed that A proposal containing various modalities deliberated upon and decisions taken during the Meeting has been submitted to the State Government for decisions. |
|
The State Government is requested to settle these issues at the earliest so that the Banks are encouraged to carry forward the task of National Priority.
|
(Action : DIF, GoUP) |
2. |
Allotment of minimum 1 Acre of land free of cost by the State Govt. to the Banks for setting up of R-SETIs in all Districts of the State. |
Govt. of India guidelines suggests for allotment of land to the Banks by the State Govt. free of cost for setting up of R-SETIs. |
Further, upon allotment of land by the State Govt., the GoI Grant-in-aid of ` 1.00 crore is permissible to be released to the Banks.
|
All Banks in the State have so far established -67- RSETIs in the rental buildings. The GoI guideline regarding allotment of land free of cost is already referred to the State Govt. and is being followed up vigorously for the last 3 years.
This issue forms a regular agenda of SLBC and is also being regularly deliberated upon during the Meetings.
Recently the State Govt. has approved allotment of land in respect of -18- Districts. |
DIF vide communication dated 8 th instant has informed that the Directorate vide communication dated 1 st instant has requested the Agricultural Production Commission, GoUP for necessary action in this regard.
|
Owing to the importance of the issue and also the Banks’ commitment towards this Social cause, the State Govt. is requested to speed up the process of land allotment in all the Districts to enable Banks to start construction of the RSETI buildings etc.
It is all the more important because the Grant-in-aid of ` 1.00 crore admissible from Govt. of India is released to the Banks
|
(Action : Commissioner, Rural Development, GoUP) |
3 |
Setting up of RSETIs & FLCCs in all Lead Districts by the respective Lead Banks |
|
In tune with the SLBC resolution all Lead Banks have to establish one RSETI in their Lead Districts. |
Further, in tune with the RBI guidelines the Banks are required to establish FLCC in the Districts in which the Lead Bank of the District has to take a Lead
|
Various Lead Banks have so far established -67- RSETIs in different Districts of the State. The Bank-wise position of RSETIs yet to be established is - PNB (Badaun & Jhansi), Allahabad Bank (Behriach, Shravasti, Lakhimpur Kheri, Sonbhadra, Mahoba & Jalaun) and BoI (Mainpuri & Lucknow).
-63- FLCCs are also established by different Banks so far and there is a need to establish minimum one FLCC in all remaining Districts by the respective Lead Bank of the District. |
|
In view of the SLBC resolution, the -3- Lead Banks concerned are once again requested to establish the RSETIs with out any further delay so that the State can be declared as having RSETIs in all its 72 Districts.
Like-wise, the Banks are also requested to gear up for setting up of FLCCs in all the Districts as per RBI guidelines.
(Action : PNB,Allahabad Bank & Bank of India and all other Lead Banks) |
|
4. |
Kisan Credit Card Scheme – Issuance of KCC to all eligible but left out farmers thereby saturating all the Districts in the State and reconciliation of data. |
A joint campaign is launched in the State by Banks and the State Government since October 2010 and the success thereof has been adopted as a Model by GoI for replication in other States across the Country |
As per SLBC data, 20.37 Lacs new KCCs and 25.67 Lacs renewed KCCs are put in place by the Banking System during the F/Y 2011-12. As per the information of the State Govt., approx. 17 Lacs KCC applications are reported to be pending with the Bank Branches. Further, the target for the current fiscal is also finalized by the State Govt. In view of the pendency, as well as the new targets, the State Agril. Department is requested to provide their support in the Districts. |
Further, the Districtwise Bankwise details of the KCC applications should be made available to the SLBC by the State Agril. Department.
|
Banks and the State Agriculture Department are required to reconcile the District-wise data and review the progress during DCC/DLRC Meetings regularly.
The District-wise/Bank-wise report of KCC applications submitted/sanctioned & disbursed/rejected & returned as well as pending with the Banks should immediately be made available to the SLBC and respective Banks by the State Agriculture Department as per decision of the SLBC.
|
(Action : Banks & the State Agriculture Directorate) |
5. |
Recapitalization of RRBs – The Baroda U.P. Gramin Bank |
|
In terms of the recommendations of Dr. K. C. Chakrabarty report, -2-RRBs viz. Baroda U.P. Gramin Bank, Raebareli & Kshetriya Kisan Gramin Bank, are identified for recapitalization assistance by GoI. |
Board of Directors of the Bank have in principle agreed to release its share of ` 29.75 crore and the State Govt. share to the tune of ` 12.75 crore is required to be released to BUPGB.
|
The matter is being regularly discussed during SLBC Meetings.
A Meeting on the subject matter was convened on 5.03.2012 under Chairmanship of the Principal Secretary (Institutional Finance), GoUP. |
The DIF, Lucknow vide their letter dated 8 th June 2012 has informed that the matter is under active consideration of the State Govt.
|
The State Govt. is requested to settle this issue at the earliest by releasing its share to BUPGB under the recapitalization Plan of GoI. |
(Action : DIF, GoUP) |
6. |
Implementation of Financial Inclusion Plan – strategy and guidelines on FIP – Opening of Brick & Mortar Branches as per Para 5.3 of MoF guidelines dated 21.10.2011 |
|
21.10.2011.
All the Banks having FIP share have to undertake this exercise of identification of the proposed centers as well as opening of the proposed branches latest by September 2012.
The monthly reporting of the progress in this regard by 10 th of every month is another requisite of the MoF. |
SLBC has taken up the issue with all Banks and the matter is also being reviewed during the Video Conference of MoF officials with the Banks.
|
the prescribed format is being submitted to MoF by SLBC, for which MPR should be submitted by all Banks to the SLBC, without fail. |
(Action : All concerned Banks) |
7. |
Setting up of Ultra Small Branches (USBs) at the Centres. |
In terms of Para 5.3 of the Govt. of India Guidelines, Banks are required to open Ultra Small Branches at the Centres which are not covered by the Brick and Mortar Branches or other facilities. |
|
The Banks in the State have identified such Centres and have approached local Gram Panchayat etc. for providing suitable space for opening these Ultra Small Branches. As at May 2012, there are 10191 USBs established by the Banks in the State. |
Banks to follow and adhere the set guidelines for setting up of USBs at all identified places, at the earliest.
At the same time, the GoI guidelines regarding weekly visit by the Bank Branch officials, maintenance of the record, generating proposals for KCC, GCC, ACC etc. and also using the Laptops to provide various information, should also be followed by the Banks.
(Action : All Banks & State Govt.) |
|
8. |
Opening of specialized SME Branches in all Districts with MSME Clustures and enhanced credit flow to MSME sector. |
Ministry of MSME, Govt. of India has identified -39- MSME clustures spread over -18- Districts of the State for various activities. It is desired that Banks should provide Banking facilities in such clustures. |
As per data available, -14- out of these -18- districts have operationalized Specialized SME branches. -4- Districts viz. Banda (Allahabad Bank); Bulandshahar (PNB); Mahamaya Nagar (Hathras) [Canara Bank] & Kannauj (BOI) have yet to establish such specialized SME branches. |
Banks are required to follow Govt. of India guidelines in this regard by setting up branches as also intensifying lending to SME sector. |
(Action : Banks) |
9. |
Development of Minority Dominated Districts and achieving the mandatory 15% target of Priority Sector lending to Minority communities as per 15 Point Programme of Hon’ble Prime Minister of India. |
The Banks have to comply with the recommendations of Sachar Committee as also the 15 Point programme of Hon’ble Prime Minister of India. |
As at March 2012, the level of lending Bank finance to Minorities in -21- identified districts at the level of 32.63%. |
Banks to ensure compliance of the extant guidelines of Govt. of India in this regard. |
(Action : Banks) |
10. |
Implementation of Revival, Reforms and Restructuring package for Handloom Sector and issuance of Weaver’s Credit Cards. |
|
I
The Govt. of India guidelines in this regard are communicated to all Banks. These schemes have also been discussed in detail as Special Agenda during SLBC Meetings held on 22/02/2012 and 20/06/2012 by the officials of Ministry of Textiles, Govt. of India
|
NABARD has desired of certain information from the Banks to proceed further to claim the funds from Govt. of India. |
Further, as many as -17749- applications for Weavers Credit Card scheme have been collected in the camps organized during December 2011 to February 2012. A letter of commitment is required to be issued by the State Government.
|
Banks and the Nodal Agency of State/Central Government should ensure compliance of the guidelines issued by the Government in this regard. |
(Action : Banks & State Govt.) |
| 11 |
Identification of -20- villages each in all -75- Districts of the State with thrust on Minority Concentrated villages for the overall development. |
An Action Plan in this regard has been launched on 18 th June 2012 during the Review Meeting of Secretary (Financial Services), Deptt. of Financial Services, MoF, GoI and the Chief Secretary, Govt. of Uttar Pradesh. |
In this process, -1500- villages are being identified by different Banks and the Lead Banks have been assigned the responsibility to coordinate with other Banks in all their Lead Districts. |
Banks have initiated the process in this regard for the holistic and overall development of identified villages. |
The Banks should actively participate in this Model Project initiated in our State.
The State Govt. support in this endeavour of Banks would further strengthen implementation of the project in big way. |
(Action: Banks and State Govt.) |