dkWiksZjsV dk;kZy; %

254&260] vOoS "k.eqxe lkyS]

jk;isV~Vk] psUuS & 600 014
Corporate Office :
254 - 260, Avvai Shanmugam Salai,
Royapettah, Chennai - 600 014

01
 d‚ikZsjsV dk;kZy;] 254&260] vOoS "k.eqxe lkyS] jk;isêk] psUuS & 600 014

uksfVl
,rn~}kjk lwfpr fd;k tkrk gS fd bafM;u cSad ds 'ks;j/kkjdksa dh vlkèkkj.k vke cSBd lkseokj] 30 uoacj 2020
dks iwokZg~u 11-00 ctss ohfM;ks d‚UÝsaflax ¼ohlh½@vU; v‚fM;ks fotqvy lkèku ¼vks,oh,e½ ds ekè;e ls
vk;ksftr dh tk,xh] ftldk mn~ns'; fuEukafdr dkjksckj dk lapkyu djuk gS%
dk;Zlwph en la[;k 1 ¼fo'ks"k ladYi½%
cSad ds 'ks;j çhfe;e [kkrs ls ` 18]975-53 djksM+ lafpr gkfu dk fofu;kstuA
fopkj djus vkSj mi;qä ik, tkus ij] fo'ks"k ladYi ds :i esa fuEu ladYi dks ikfjr djuk%
ÞladYi ikfjr fd;k x;k fd cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e] 1970 ¼*vfèkfu;e*½ dh
èkkjk 3¼2chch,½] cSafdax fofu;eu vfèkfu;e] 1949 ¼chvkj vfèkfu;e½ dh èkkjk 17 ¼2½] buds fdlh Hkh oSèkkfud
la'kksèku ;k iqu% vfèkfu;eu lfgr] jk"Vªh;—r cSad ¼çcaèku vkSj fofoèk çkoèkku½ ;kstuk] 1970 ¼;kstuk½] jk"Vªh;—r
cSad ¼çcaèku vkSj fofoèk çkoèkku½ la'kksèku ;kstuk] 2020 ds :i esa lanfHkZr jkti= vfèklwpuk la[;k lhth-Mh,y-
bZ-23032020&218862 ¼,l. vks.1200bZ½ fnukad 23 ekpZ] 2020 ds vuqlkj] fdlh Hkh vU; vuqeksnu ds vèkhu] ;fn
vko';d gks] rks cSad ds 'ks;jèkkjdksa dh lgefr ds lkFk 01] vçSy 2020 dks Þ'ks;j çhfe;e [kkrkß dh tek jkf'k #
19]833]14]85]004-17 ¼#i;s mUuhl gtkj vkB lkS rSarhl djksM+ pkSng yk[k ipklh gtkj pkj vkSj l=g iSls½ dh
dqy jkf'k esa ls ` 18]975]52]95]417-96 ¼#i, vBkjg gtkj ukS lkS ipgÙkj djksM+ ckou yk[k iapkuos gtkj pkj lkS
l=g vkSj fN;kucs iSls½ dks 01 vçSy] 2020 dks dsoy ` 18]975]52]95]417-96 ¼#i, vBkjg gtkj ukS lkS ipgÙkj
djksM+ ckou yk[k iapkuos gtkj pkj lkS l=g vkSj fN;kucs iSls½ ds ukes 'ks"k ¼lafpr gkfu½ ds lek;kstu ds fy,
bafM;u cSad ¼lekesfyr cSad½ ds vkjf{kr vkSj vfèk'ks"k ds rgr lafpr gkfu ds [kkrs esa varj.k djds rnuqlkj vkSj
ykHk vkSj gkfu [kkrs esa ukes 'ks"k dks de djuk vkSj pkyw foÙk o"kZ 2020&21 ds nkSjku bls fglkc esa ysukAÞ
vkxs ladYi fd;k tkrk gS fd bl ladYi dks çHkkoh cukus ds mís'; ls cksMZ dks ,rn}kjk vius iw.kZ foosd ls
vko';drkuq:i mfpr le>dj okaNuh; lHkh dk;Z] deZ] ekeyksa ij dkjZokbZ djus gsrq çkfèk—r fd;k tkrk gS ,oa
blds lkFk gh cksMZ] mRiUu ç'u] dfBukbZ ;k lansg dk lekèkku vkSj vko';drkuq:i ,sls lHkh dk;Z] deZ] ekeyksa
vkSj eqíksa dks vafre :i ns ldrs gSa ,oa vko';d lHkh nLrkostksa vkSj ys[kksa dks fu"ikfnr dj ldrs gSaA
dk;Zlwph en la[;k 2 %
cSafdax fofu;eu vfèkfu;e] 1949 ¼blds ckn *ch vkj vfèkfu;e* ds :i esa lanfHkZr½ ,oa jk"Vªh;—r cSad ¼çcaèku vkSj fofoèk
çkoèkku½ ;kstuk] 1970 ¼blds ckn *;kstuk* ds :i esa lanfHkZr½ ds lkFk ifBr cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½
vfèkfu;e] 1970 ¼blds ckn *vfèkfu;e* ds :i esa lanfHkZr½ dh èkkjk 9 ¼3½ ¼i½ rFkk bafM;u cSad ¼'ks;j vkSj cSBd½ fofu;eu]
1999 la'kksfèkr ¼blds ckn *fofu;e* ds :i esa lanfHkZr½ vfèkfu;e dh èkkjk 19 ds vuqlj.k esa vfèklwpuk la ,Q+- la
16@83@2013&chvks- vkbZ fnukad 3 flrEcj 2013] ,Q+ la 16@51@2012&chvks-vkbZ fnukad 28 vçSy 2015 vkSj Hkkjr
ljdkj ds fnukad 20 tqykbZ 2016 ds vuqlkj] 25 ekpZ] 2015] 08 tqykbZ] 2016 dks lkoZtfud {ks= ds cSadksa ds xSj&ljdkjh
funs'kd ds :i esa fopkj ds fy, Hkkjr ljdkj }kjk fuèkkZfjr ekunaM vkSj mlds ckn dksbZ vkSj la'kksèku] ¼ckn esa bls ^Hkkjr
ljdkj ds fn'kkfunZs'k* ds :i esa lanfHkZr½ ds lkFk ifBr Hkkjrh; fjt+oZ cSad ds ifji= la[;k Mhchvkj ,ihihVh chlh la
39@29-39-001@2016&17 fnukad 24 uoEcj 2016 blds ckn vkSj la'kksèku] ;fn dksbZ gks ¼ckn esa *vkjchvkbZ funs'k* ds :i
esa lanfHkZr½ ds lkFk ifBr Hkkjrh; fjt+oZ cSad ¼ljdkjh {ks= ds cSadksa ds cksMZ ij fuokZfpr funs'kdksa ds fy, *mfpr vkSj mi;qä*
ekunaM½ funs'k] 2019 tks fnukad 02] vxLr 2019 dks vkjchvkbZ@Mhchvkj@2019&20@71 ekLVj funs'k Mhchvkj ,ihihVh
la% 9@29-67-001@2019&20 ds tfj;s cSad ds 'ks;jèkkjdksa ds chp ¼dsaæ ljdkj ds vfrfjä½ ls ,d funs'kd dks pquuk vkSj
la'kksèku ds lkFk ;k mlds fcuk fuEufyf[kr ladYi ¼ladYiksa½ dks ikfjr djuk %&

2
ÞladYi ikfjr fd;k x;k fd cSafdax daifu;ka ¼miØeksa dk vtZu vkSj varj.k½ vfèkfu;e] 1970 cSafdax fofu;eu
vfèkfu;e] 1949] çklafxd ;kstuk] lacafèkr fofu;e] vkjchvkbZ ds funZs'kksa vkSj ljdkjh fn'kkfunZs'kksa ds rgr fd,
x, fofu;eksa ds vuqlkj dsaæ ljdkj ds vfrfjä cSad ds 'ks;jèkkjdksa esa ls fuokZfpr ,d funs'kd dks lkseokj
21 fnlacj 2020 dks cSad ds funs'kd ds :i esa rhu o"kZ dh vofèk ds fy, fu;qä fd;k tkrk gSA

funs'kd eaMy ds vkns'k ls

LFkku % psUuS ¼in~etk pqUMw:½

fnukad % 02-11-2020 çcUèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh

fVIif.k;k¡
1- Li"Vhdj.k fooj.k%
bl cSBd ds dkjksckj ls lacafèkr HkkSfrd rF;ksa dks nsusokyk Li"Vhdj.k fooj.k blds lkFk layXu gSA
2- ernku vf/kdkj %
dk;Zlwph en 1 & cSad ds 'ks;j çhfe;e [kkrs ls lafpr gkfu dk fofu;kstuA
cSad us mä dk;Zlwph en gsrq 'ks;j/kkjdksa ds ernku vf/kdkj fu/kkZfjr djus gsrq vafre rkjh[k lkseokj 23 uoacj]
2020 r; dh gSA
cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e]1970 dh /kkjk 3 dh mi/kkjk ¼2bZ½ ds vuqlkj dsUnzh;
ljdkj ds vykok rRlacaf/kr u, cSad dk dksbZ Hkh 'ks;j/kkjd vius }kjk /kkfjr 'ks;jksa ds laca/k esa] cSad ds lHkh
'ks;j/kkjdksa ds dqy ernku vf/kdkjksa ds nl çfr'kr ls vf/kd] ernku dk ç;ksx djus dk gdnkj ugha
gksxkA
blds vfrfjä] Hkkjrh; cSad ¼'ks;j vkSj cSBdsa½ fofu;e] 1999 ;Fkk la'kksf/kr ds fofu;e 10 ds vuqlkj ;fn dksbZ
'ks;j nks ;k nks ls vf/kd O;fä;ksa ds uke ij iath—r gS rks bl fLFkfr esa jftLVj esa igys iath—r O;fä dks ernku
fd, tkus dk vf/kdkjh ekuk tk,xkA blh çdkj] ;fn 'ks;j la;qä /kkjdksa ds uke ij gS rks ml fLFkfr esa igys
iath—r O;fä gh ukekadu vkSj çfr;ksfxrk esa çfrHkkfxrk ds fy, ik= gksxkA
dk;Zlwph en 2 & 'ks;j/kkjd funs'kd dk fuokZpu
cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e]1970 dh /kkjk 9 ¼3½¼i½ ,oa ykxw vU; dkuwu] fu;e]
fofu;e] vkjchvkbZ ds funsZ'k o bl lanHkZ esa Hkkjr ljdkj ds fn'kkfunsZ'kksa ds vuqlkj] cSad us 'ks;j/kkjdksa] dsaæh;
ljdkj ds vfrfjä] esa ls funs'kdksa ds pquko esa çfrHkkfxrk ¼ukekadu] çfr;ksfxrk ,oa ernku½ gsrq ,oa bZth,e ds
'ks;j/kkjd funs'kd ds pquko dh dk;Zlwph en gsrq muds ernku vf/kdkjksa ds fu"iknu gsrq 'ks;j/kkjdksa dh ik=rk
fu/kkZfjr ds fy, djus ds fy, fufnZ"V rkjh[k eaxyokj] 3 uoacj 2020 r; dh gSA
cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e]1970 dh /kkjk 9 ¼2 bZ½ esa mfYyf[kr çfrca/kksa ds
fo";kUrxZr og 'ks;j/kkjd] dsaæh; ljdkj ds vfrfjä] ftls fufnZ"V rkjh[k ij 'ks;j/kkjd ds :i esa iath—r fd;k
x;k gS] ,d 'ks;j/kkjd funs'kd ds pquko ds fy, ernku djus ds fy, ik= gksxk rFkk ml rkjh[k ij og mlds
}kjk /kkfjr çR;sd 'ks;j ij ,d er dk vf/kdkjh gksxkA
3- çkSDlh dh fu;qfä %
pwafd cSBd ohlh@vks,oh,e ds ek/;e ls vk;ksftr dh tkuh gSa rFkk 'ks;j/kkjd cSBd esa 'kkfey gks çR;{k :i ls
ernku dj ldrs gSa vr% muds LFkku ij cSBd esa mifLFkrh ;k ernku djus ds fy, fdlh çkSDlh dks fu;qä djus
dh vko';drk ugha gSA

3
y‚dMkmu laiw.kZrk ls gVus ;k lHkk djus ij çfrca/k esa jkgr feyus vkSj v‚fMVksfj;e ¼cSBd LFkku½ esa cSBd dk
vk;kstu fd, tkus ,oa 'ks;j/kkjdksa ds cSBd esa mifLFkr jgus ds ik= gksus dh fLFkfr esa çkSDlh ¼cSad deZpkjh ls brj
O;fä½ dks fu;qä fd;k tk ldrk gS rFkk çkSDlh dh lwpuk daiuh lfpo] bafM;u cSad] fuos'kd lsok d{k] foax
2 & lh] f}rh; ry] 254 & 260] vOoS "k.eqxe lkyS] jk;isêk] psUuS &600 014 dks bZth,e dh fnukad ls de ls de
4 fnu igys ;kfu cq/kokj] 25 uoacj] 2020 dks dk;Z≤ dh lekfIr ij ;k mlls igys tek dkjokbZ tk,A
4- çkf/k—r çfrfuf/k dh fu;qfä %
dksbZ Hkh O;fä] fdlh fuxfer fudk;] tks cSad dk 'ks;j/kkjd gS] ds fof/kor çkf/k—r çfrfuf/k ds :i esa rc rd
cSBd esa mifLFkr ugha gks ldsxk vFkok ernku ugha dj ldsxk tc rd fd fof/kor çkf/k—r çfrfuf/k ds :i esa
mldh fu;qfä djus okys ladYi dh çfr ftls ml cSBd] ftlesa mls ikfjr fd;k x;k gS] ds v/;{k }kjk lR;çfr
ds :i esa çekf.kr fd;k x;k gS] daiuh lfpo] bafM;u cSad] fuos'kd lsok d{k] d‚iksZjsV dk;kZy;] 254&260] vOoS
"k.eq?ke lkyS] jk;isêk] psUuS & 600 014 dks ;k mä ladYi dh çekf.kr ewy çfr dh LdSu bZ&esy ds ek/;e ls
scrutinizer@snaco.net ,oa bldh çfr investors@indianbank.co.in dks cSBd dh rkjh[k ls de ls de
pkj fnu igys vFkkZr cq/kokj] 25 uoacj] 2020 dks dk;Z≤ dh lekfIr rd ;k mlls iwoZ çkIr u gks tk,A
5- mifLFkrh iphZ lg ços'k i=
pwafd cSBd ohlh@vksoh,e ds ek/;e ls lapkfyr dh tk jgh gS vr% bZth,e esa mifLFkrh ds fy, mifLFkrh iphZ dh
vko';drk ugha gSA
y‚dMkmu laiw.kZrk ls gVus ;k lHkk djus ij çfrca/k esa jkgr feyus vkSj v‚fMVksfj;e esa cSBd dk vk;kstu fd,
tkus vkSj 'ks;j/kkjdksa ds cSBd esa mifLFkr jgus ds ik= gksus dh fLFkfr esa 'ks;j/kkjdksa ds fgr esa mifLFkrh iphZ lg
ços'k i= dks cSBd ds LFkku ij miyC/k djok;k tk,xkA
6- jftLVªkj ,oa 'ks;j varj.k ,tsUV ds lkFk i=kpkj %
HkkSfrd :i esa 'ks;j j[kus okys 'ks;j/kkjdksa ls vuqjks/k gS fd os vius iath—r irs esa fdlh çdkj ds ifjorZu gksus]
varj.k@Vªkalfe'ku gsrq vuqjks/k djus ds fy, cSad ds jftLVªkj vkSj 'ks;j varj.k ,tsUV dks fuEu irs ij laidZ
djsa %&
dSfe;ks dkWiksZjsV lfoZlst+ fyfeVsM
¼;wfuV % bafM;u cSad½
lqcze.;e fcfYMax
ua &1] Dyc gkml jksM]
psUuS 600 002
VsyhQksu & 044 & 28460390@91@92@93@94 ¼5 ykbusa½
bZesy % investor@cameoindia.com ;k cameo@cameoindia.com
'ks;j/kkjdksa dks Rofjr vkSj çHkkoh lsok çnku djus ds mís'; ls bafM;u cSad us vius d‚iksZjsV dk;kZy;] psUuS esa
fuos'kd lsok d{k dh LFkkiuk dh gSA 'ks;j/kkjd vkSj fuos'kd fdlh Hkh çdkj dh lgk;rk gsrq fuEufyf[kr irs ij
bl d{k ls lEidZ LFkkfir dj ldrs gSa %

egkçca/kd & lh,Qvks lgk;d egk çcU/kd ,oa daiuh lfpo

bafM;u cSad] d‚iksZjsV dk;kZy;] bafM;u cSad] fuos'kd lsok d{k, 254&260]
254-260, vOoS "k.eqxe lkyS] jk;isêk] psUuS - 600 014 vOoS "k.eqxe lkyS] jk;isêk] psUuS & 600 014
nwjHkk"k % 044&28134574 nwjHkk"k % 044&28134698
bZ&esy % cfo@indianbank.co.in bZ&esy % ibinvestorrelations@indianbank.co.in
7- gfjr igy %
*gfjr igy* dk leFkZu djus ds mís'; ls] ftu 'ks;jèkkjdksa us vHkh rd viuk bZesy iath—r@v|ru ugha fd;k gS]
muls vuqjksèk gS fd ;fn 'ks;j bysDVª‚fud :i esa j[ks x;s gSa rks os vius Mhih ds lkFk viuk bZesy iath—r@v|ru
djsa vkSj ;fn 'ks;j HkkSfrd :i esa j[ks x;s gSa rks dSfe;ks d‚ikZsjsV lfoZlst fyfeVsM ds lkFk viuk bZesy
iath—r@v|ru djsaA
4
8- cSBd esa mifLFkrh dh çfØ;k
1- lhMh,l,y bZ&ernku ds }kjk lapkfyr ohlh@vks,oh,e ds ek/;e ls 'ks;j/kkjd bZth,e esa mifLFkrh
ntZ djok ik,xkA blds fy, 'ks;j/kkjd https://www.evotingindia.com esa 'ks;j/kkjd@lnL;
ds :i esa fjeksV bZ&ernku ds ØsMsaf'k;y dk ç;ksx dj y‚fxu djsaxsA 'ks;j/kkjdksa ds fy,
ohlh@vks,oh,e dk fyad 'ks;j/kkjd@lnL; y‚fxu esa ogk¡ miyC/k jgsxk tgka cSad dk bZoh,l,u
çnf'kZr gksxkA
2- uksfVl esa mfYyf[kr çfØ;k ds vuqlkj] 'ks;j/kkjd cSBd 'kq: gksus ds fu/kkZfjr le; ls 15 feuV igys
ohlh@vks,oh,e ds ek/;e ls bZth,e esa tqM+ ldrs gSaA ohlh@vks,oh,e ds ek/;e ls bZth,e esa
çfrHkkfxrk dh lqfo/kk lcls igys tqM+us okys 1000 'ks;j/kkjdksa ds fy, miyC/k jgsxhA
3- 'ks;j/kkjdksa dks lykg nh tkrh gS fd csgrj vuqHko ds fy, os ySiVki@vkbZ iSM dk bLrseky djsaA
4- blds vfrfjä ck/kkjfgr cSBd ds fy, 'ks;j/kkjdksa dks vPNh rhozrk okys bUVjusV dk ç;ksx ,oa dSejk
v‚u fd, tkus dh vko';drk gSA
5- eksckbZy g‚VLi‚V ds ek/;e ls eksckby midj.kksa ;k VScysV ;k ySiVki dk mi;ksx djus okys —i;k uksV
djsa fd lacfU/kr usVodZ esa vfLFkjrk ds dkj.k v‚fM;ks@ohfM;ks dh v–';rk gks ldrh gSA vr% mijksä
vojks/kksa ls cpus ds fy, fLFkj okbZ&QkbZ ;k ySu duSD'ku ds ç;ksx dh lykg nh tkrh gSA
6- ;fn dksbZ 'ks;j/kkjd cSBd ds nkSjku vius fopkj çdV djuk@ç'u iwNuk pkgrk gS rks og fnukad
23-11-2020 rd ;k mlls igys investors@indianbank.co.in ij viuk uke] MheSV [kkrk
la[;k@Qksfy;ks la[;k] bZ&esy vkbZMh] eksckbZy uacj crkrs gq, Lo;a dks Lihdj ds :i esa iath—r djus
gsrq vfxze fuosnu HkstsA os 'ks;j/kkjd ftuds ikl ç'u gSa fdUrq os mUgsa bZth,e ds nkSjku ugha iwNuk pkgrs
gSa] og fnukad 23-11-2020 rd ;k mlls igys investors@indianbank.co.in ij viuk uke]
MheSV [kkrk la[;k@Qksfy;ks la[;k] bZ&esy vkbZMh] eksckbZy uacj crkrs gq, vius ç'uksa dks gesa HkstsA
muds ç'uksa ds mÙkj mi;qä :i ls bZth,e ds nkSjku ;k bZ&esy }kjk fn;s tk,axsA
7- ftu 'ks;j/kkjdksa us Lo;a dks Lihdj ds :i iath—r fd;k gS os dsoy bZth,e ds nkSjku gh vius fopkj
çdV dj ldrs gSa@ç'u iwN ldrs gSaA
8- lnu ds fy, ohlh@vksoh,e ds ek/;e ls bZth,e esa mifLFkr gksus okys 'ks;j/kkjdksa x.kuk dh tk,xhA
9- bZ&ernku ds ek/;e ls ernku vf/kdkj dk ç;ksx
lsch ¼lwphc)rk ¼fyfLVax½ ckè;rk,¡ vkSj çdVhdj.k vis{kk,¡½ fofu;e] 2015 ds fofu;eu 44 ds vuqlkj] cSBd
esa mifLFkr jgus o ernku ds ik= 'ks;j/kkjd fjeksV bZ&ernku ds tfj;s vius ernku dk ç;ksx dj ldrs gSaA
fjeksV bZ&oksfVax oSdfYid gSA
'ks;j/kkjdksa@ykHkdkjh Lokeh ds ernku vf/kdkj fuEufyf[kr ds varxZr gSa %
¼d½ cSad ds 'ks;j çhfe;e [kkrs ls 18]975-53 djksM+ #i;s dh lafpr gkfu ds fofu;kstu ls lacaf/kr dk;Zlwph en ds
fy, 23-11-2020 ¼mís'; gsrq fofufnZ"V rkjh[k½ dks buds }kjk /kkfjr bfDoVh 'ks;j ij
¼[k½ 'ks;j/kkjd funs'kd ds fuokZpu laca/kh dk;Zlwph en ds fy, 03-11-2020 ¼mís'; gsrq vafre rkjh[k½ dks buds
}kjk /kkfjr bfDoVh 'ks;j ij
cSad us bZ&ernku eap miyC/k djokus okyh ,tsalh ds :i esa lsaVªy fMi‚ftVfj lfoZlst ¼Hkkjr½ fyfeVsM dks fu;qä
fd;k gSA
10- bZ&ernku gsrq laoh{kd
bZth,e dh rkjh[k ij fjeksV bZ&ernku çfØ;k ds lkFk ernku dh çfØ;k dks U;k;ksfpr ,oa ikjn'khZ rjhds ls
lapkfyr djus gsrq cSad us Jh ,l ,u vuUrlqczef.k;u] daiuh lfpo dks laoh{kd ds rkSj ij fu;qDr fd;k gSA
11- bZ&ernku ,oa lacfU/kr çfØ;k
bysDVªkfud :i ls oksfVax djus gsrq lnL;ksa ds fy, vuqns'k fuEuor~ gSa%&

bysDVªkfud oksfVax J`a[kyk la[;k ¼bZoh,l,u½ 201103010

dk;Zlwph en la[;k 1 % cSad ds 'ks;j çhfe;e [kkrs ls lafpr gkfu dk fofu;kstu
bysDVªkfud oksfVax J`a[kyk la[;k ¼bZoh,l,u½
dk;Zlwph en la[;k 2 % cSad ds 'ks;j/kkjdksa] dsaæh; ljdkj ds vfrfjä] esa ls ,d 201103009
funs'kd dk fuokZpu
5
¼i½ 'ks;j/kkjdksa ds ernku vf/kdkj cSad dh isM&vi bfDoVh 'ks;j iwath esa muds 'ks;j ds fgLls ds lekuqikr esa
gksaxs
¼,½ 'ks;j/kkjd funs'kd ds pquko ls lacfU/kr dk;Zlwph en gsrq 03-11-2020 ¼fofufnZ"V rkjh[k½
¼ch½ cSad ds 'ks;j çhfe;e [kkrs esa gqbZ 18975-53 djksM+ #i, dh gkfu ds fofu;kstu ls lacfU/kr dk;Zlwph en gsrq
23-11-2020 ¼fu/kkZfjr vafre rkjh[k½
¼ii½ fjeksV bZ&oksfVax dh lqfoèkk 26 uoacj] 2020 dks iwokZà 10-00 cts ls 29 uoacj] 2020 vijkà 05-00 cts rd
lHkh 'ks;jèkkjdksa ds fy, [kqyh jgsxhA blds ckn lhMh,l,y }kjk bZ&oksfVax e‚Mîwy dks vijkà 05-00 cts
fuf"Ø; dj fn;k tk,xkA
¼iii½ 'ks;jèkkjd bZ&oksfVax osclkbV www.evotingindia.com esa ykxvkWu djsaA
¼iv½ ^^'ks;jgksYMj^^ ij fDyd djsaA
¼v½ vc vius ;wtj vkbZMh dh çfof"V djsaA
¼d½ lhMh,l,y ds fy, % 16 vadksa dh ykHkkFkÊ vkbZMh]
¼[k½ ,u,lMh,y ds fy, % 8 dSjsDVj Mhih vkbZMh ds ckn 8 fMftV DykbaV vkbZMh]
¼x½ HkkSfrd :i esa 'ks;j j[kus okys 'ks;jèkkjdksa dks cSad esa iath—r Qksfy;ks uacj ntZ djuk pkfg,A
;k
oSdfYid :i ls] ;fn vkius lhMh,l,y dh bZ,,lvkbZ @ bZ,,lvkbZbZ,lVh bZ&lsokvksa ds fy, iath—r
fd;k gSa rks vki Login-Myeasi https://www.cdslindia.com ij vius y‚fxu ØsMsaf'k;Yl dk mi;ksx dj
y‚x&bu dj ldrs gSaA lhMh,l,y dh bZ,,lvkbZ @ bZ,,lvkbZbZ,lVh bZ&lsokvksa esa lQyrkiwoZd
y‚x&bu djus ds ckn] bZ&oksfVax fodYi ij fDyd dj vki bysDVª‚fud ek/;e ls viuk oksV çR;{k :i ls
Mky ldrs gSaA
¼vi½ Nfo lR;kiu dks çnf'kZr fd, vuqlkj ntZ djsa vkSj y‚fxu ij fDyd djsaA
¼vii½ ;fn vki MheSV Q‚eZ esa 'ks;j j[k jgs gSa vkSj www.evotingindia.com ij y‚x&bu fd;k gS vkSj fdlh vU;
daiuh ds ernku esa 'kkfey gq;s gS] rks vkids ekStwnk ikloMZ dk mi;ksx dj ldrs gSA
¼viii½ ;fn vki igyh ckj mi;ksxdrkZ gSa rks uhps fn, x, pj.kksa dk ikyu djsa &

MheSV Q‚eZ vkSj HkkSfrd Q‚eZ esa 'ks;j j[kus okys 'ks;jèkkjdksa ds fy,
iSu vk;dj foHkkx }kjk tkjh vY+Qk&U;wefjd 10 vadksaokyk viuk iSu ntZ djsa ¼MhesV
'ks;jèkkjd vkSj HkkSfrd 'ks;jèkkjd nksuksa ds fy, ykxw½
· ftu 'ks;jèkkjdksa us cSad @fu{ksikxkj çfrHkkxh ds lkFk vius iSu dks v|ru ugha fd;k gS]
muls vuqjksèk gS fd os vius cSad @ vkjVh, }kjk fn, x, vuqØe la[;k dk mi;ksx djsa
;k cSad @ vkjVh, ls laidZ djsaA
ykHkka'k cSad y‚fxu djus ds fy, vius MheSV [kkrs esa ;k cSad ds fjd‚MZ esa ntZ tUe frfFk
fooj.k ;k ¼dd/ mm /yyyy çk:i esa½ ntZ djsaA
tUe frfFk · ;fn nksuksa fooj.k fMi‚ftVjh ;k cSad ds lkFk ntZ ugha gSa] rks funZs'k ¼v½ esa mfYyf[kr
ykHkka'k cSad fooj.k QhYM esa lnL; vkbZMh @ Qksfy;ks la[;k ntZ djsaA
¼ ix ½ bu fooj.kksa dks mfpr :i ls ntZ djus ds ckn] "SUBMIT" VSc ij fDyd djsaA
¼x½ HkkSfrd :i esa 'ks;j j[kusokys 'ks;jèkkjd blds ckn lhèks daiuh p;u LØhu esa igq¡p tk,¡xsA rFkkfi MheSV :i
esa 'ks;j èkkfjr djusokys lnL;] vc ^^ikloMZ l`tu^^ ds esuq esa igq¡psaxs tgk¡ muls vfuok;Zr% vis{kk dh tkrh gS
fd os u;s ikloMZ QhYM esa vius ykx&bu ikloMZ dks izfo"V djasaA —i;k uksV djsa fd bl ikloMZ dk ç;ksx
MheSV èkkjdksa }kjk vU; fdlh Hkh daiuh ds ladYiksa ds fy, oksV djus gsrq Hkh fd;k tk,xk] tgk¡ os oksV nsus ds
fy, ik= gSa c'krZs fd daiuh lhMh,l,y IySVQkeZ ds tfj, bZ& ernku dk fodYi miyCèk djkrh gSA gekjh
lykg gS fd vki fdlh vU; O;fä ds lkFk ikloMZ lk>k u djsa vkSj vius ikloMZ dks xksiuh; j[kus gsrq
vR;Ur lkoèkkuh cjrsaA
¼xi½ HkkSfrd :i esa 'ks;j j[kus okys lnL;ksa ds fy,] bl uksfVl esa fufgr çLrkoksa ij dsoy bZ&ernku ds fy,
fooj.k dk mi;ksx fd;k tk ldrk gSA
¼xii½ lacafèkr < daiuh dk uke> bZoh,l,u ij fDyd djsa] ftl ij vki ernku nsuk pkgrs gSaA
¼xiii½ oksfVax ds i`"B ij vki ladYi dk o.kZu ik,¡xs vkSj mlds lkeus ernku gsrq ^^gk¡@ugha^^ dk fodYi gksxkA
viuh bPNkuqlkj Þgk¡ß ;k Þughaß dk p;u djsaA Þgk¡ß fodYi dk vfHkçk; ;g gS fd vki ladYi ls lger gSa
vkSj Þughaß fodYi dk vfHkçk; ;g gS fd vki ladYi ls lger ugha gSaA

6
¼xiv½ vki laiw.kZ ladYiksa dks ns[kuk pkgrs gSa rks ^^ladYi Qkby fyad^^ ij fDyd djsaA
¼xv½ vkius ftl ladYi ij ernku nsus dk fu.kZ; fy;k gS] mldks pquus ds ckn ^^lfCeV^^ ij fDyd djsaA ,d
iqf"Vdj.k c‚Dl çnf'kZr fd;k tk,xkA vki vius oksV dh iqf"V djuk pkgrs gSa rks ^^vksds^^¼OK½ ij fDyd
djsa ;k viuk oksV cnyuk pkgrs gSa rks ^^dSUly^^ ij fDyd djsa vkSj rnuqlkj vius oksV dks vk'kksfèkr djsaA
¼xvi½ vki tc ,d ckj ladYi ij viuk oksV ^^iqf"V—r^^ ¼CONFIRM½ dj nsrs] rks vkidks mls cnyus ugha fn;k
tk,xkA
¼xvii½ oksfVax ds i`"B ij fçaV djus ds fy, ;gk¡ fDyd djsaß ij fDyd djds vki vius }kjk fd, oksV dks fçaV Hkh
dj ldsaxsA
¼xviii½ ;fn Mh&eSV [kkrk/kkjd] vius cnys x, ikloMZ dks Hkwy tkrk gS rks mi;ksxdrkZ vkbZMh vkSj Nfo lR;kiu
dksM dks ntZ djsa vkSj ÞikloMZ Hkwy x,ß ij fDyd djsa vkSj flLVe }kjk crk, x, fooj.k ntZ djsaA
¼xix½ 'ks;jèkkjd lhMh,l,y ds eksckby ,si ^,e&oksfVax* dk mi;ksx djds Hkh viuk oksV ns ldrs gSaA ,e&
oksfVax ,si dks lacafèkr LVksj ls MkmuyksM fd;k tk ldrk gSA —i;k vius eksckby ij ernku djrs le;
eksckby ,si }kjk crk, x, funZs'kksa dk ikyu djsaA
¼xx½ xSj&O;fäxr 'ks;jèkkjd vkSj dLVksfM;u ds fy, uksV &

· xSj&O;fäxr 'ks;jèkkjdksa ¼vFkkZr] oS;fäd] ,p;w,Q+] ,uvkjvkbZ vkfn ls vU;½ vkSj dLVksfM;u dks
www.evotingindia.com ij y‚x bu djuk gksxk vkSj [kqn dks ^dksiksZjsV~l* e‚Mîwy esa iath—r djuk
gksxkA

· laLFkk dh eksgj vkSj gLrk{kj lfgr iathdj.k Q‚eZ dh LdSu çfr dks helpdesk.evoting@cdslindia.com
ij bZesy djuk gksxk A

· y‚x&bu fooj.k çkIr djus ds ckn O;oLFkkid y‚fxu vkSj ikloMZ dk mi;ksx djds ,d vuqikyu
mi;ksxdrkZ cukuk gksxk A vuqikyu mi;ksxdrkZ ml [kkrs ¼[kkrksa½ dks fyad djus esa l{ke gksxk ftlds
fy, os ernku djuk pkgrs gSaA

· y‚x&bu esa fyad fd, x, [kkrksa dh lwph dks helpdesk.evoting@cdslindia.com ij esy dh tkuh
pkfg, vkSj mu [kkrksa dk vuqeksnu gksus ds i'pkr os viuk ernku dj ldsaxsA

· cksMZ ds ladYi vkSj ikoj v‚Q vV‚uÊ ¼ihvks,½ dh ,d LdSu çfr tks mUgksaus dLVksfM;u ds i{k esa tkjh
dh gS] ;fn dksbZ gS] rks bls lR;kfir djus ds fy, LØwfVuht+j ds fy, flLVe esa ihMh,Q çk:i esa
viyksM fd;k tkuk pkfg, A

· oSdfYid :i ls xSj&O;fäxr 'ks;jèkkjdksa us ;fn mUgksaus vyx&vyx VSc ls ernku fd;k gS vkSj
tkap ds fy, lhMh,l,y bZ&oksfVax flLVe esa mls viyksM ugha fd;k gS rks mUgsa lacafèkr cksMZ ds
çkfèk—r ladYi@ çkfèkdj.k i= vkfn dks fofèkor çkfèk—r gLrk{kjdrkZ] tks oksV djus ds fy,
vfèk—r gSa] ds lR;kfir gLrk{kj ds lkFk laoh{kd vkSj cSad dks bZesy irs ;Fkk(
murali@cameoindia.com rFkk investors@indianbank.co.in ij Hkstus dh vko';drk gksrh gSA

;fn vkidks bZth,e cSBd esa Hkkx ysus vkSj bZ&oksfVax çfØ;k }kjk bZ&oksfVax djus ls lacfUèkr dksbZ ç'u
iwNuk gS ;k leL;k gS] rks rks vki www.evotingindia.com ij lgk;rk vuqHkkx ds rgr miyCèk vDlj
iw N s tkus okys ç'uks a rFkk bZ & oks f Va x eS u q v y dk la n HkZ ys ldrs gS a ;k
helpdesk.evoting@cdslindia.com ij bZ&esy dj ldrs gSa ;k Jh fufru dqanj ¼022&23058738½ ;k
Jh egcwc y[kkuh ¼022&23058543½ ;k Jh jkds'k nyoh ¼022&23058542½ ls laidZ dj ldrs gSaA
bysDVª‚fud ekè;eksa }kjk ernku dh lqfoèkk ls tqM+h lHkh f'kdk;rsa Jh jkds'k nyoh] çcaèkd]
¼lhMh,l,y½] lsaVªy fMi‚ftVjh lfoZlst ¼bafM;k½ fyfeVsM] , foax] 25oha eafty] eSjkFku ¶;wpjsDl]
eQryky fey dEikmaM~l] ,u,e tks'kh ekxZ] yksvj ijsy ¼iwoZ½] eqacbZ & 400013 dks çsf"kr djsa ;k
helpdesk.evoting@cdslindia.com ij bZ&esy Hkstsa ;k 022&23058542 @ 43 ij d‚y djsaA

7
¼xxi½ bl uksfVl esa çLrkfor çLrkoksa ds fy, bZ&oksfVax ds fy, y‚fxu ØsMsaf'k;Yl çkIr djus ds fy, mu
'ks;jèkkjdksa ds fy, çfØ;k ftuds bZesy irs fMi‚ftVjh ds ikl iath—r ugha gSa
¼,½ HkkSfrd 'ks;jèkkjdksa ds fy,& —i;k vko';d fooj.k tSls fd Qksfy;ks uacj] 'ks;jèkkjd dk uke] 'ks;j
çek.ki= dh LdSu dh xbZ d‚ih ¼i`"B ds nksuksa rjQ dk½] iSu ¼iSu dkMZ dh Loçekf.kr LdSu d‚ih½]
vkèkkj ¼vkèkkj dh Lo lR;kfir LdSu dh xbZ çfr½ dkMZ½ cSad @ vkjVh, ds bZesy vkbZMh
murali@cameoindia.com ij bZesy }kjk çnku djsaA

¼ch½ MheSV va'kèkkjdksa ds fy, & —i;k MheSV [kkrk fooj.k ¼lhMh,l,y &16 vadksa dh ykHkkFkÊ vkbZMh ;k
,u,lMh,y &16 vad MhihvkbZMh $ lh,yvkbZMh½] uke] xzkgd dh lesfdr [kkrk fooj.k dh ekLVj
;k çfr] iSu ¼iSu dkMZ dh Lo lR;kfir LdSu dh xbZ çfr½] vkèkkj ¼vkèkkj dkMZ dh Loçekf.kr
çfrfyfi½ cSad @ vkjVh, bZesy vkbZMh ij çnku djsaA
12- bZth,e esa ernku
dk;Zlwph enksa ij ppkZ ds ckn cSad bu dk;Zlwph enksa ds lanHkZ esa ernku 'kq: djsxkA ;g ernku bl mís'; gsrq
fu;qä fd, x, laoh{kd ds }kjk lapkfyr o ijhf{kr fd;k tk,xkA ohlh@vks,oh,e ;k HkkSfrd :i ls vk;ksftr
gksus okys cSBd esa 'kkfey gksus okys 'ks;j/kkjd@ijks{kh@vf/k—r çfrfuf/k viuk ernku çfØ;k ds nkSjku vius
erkf/kdkj dk ç;ksx dj ldrs gSaA ;|fi os 'ks;j/kkjd tksfd fjeksV bZ&ernku ds tfj;s viuk er ns pqds gSa os
HkkSfrd cSBd ds nkSjku gksus okyh ernku çfØ;k esa nqckjk ernku ds ik= ugha gksaxsA
13- bZth,e ds nkSjku bZ&ernku ds laca/k esa 'ks;/kkjdksa ds fy, funsZ'k fuEufyf[kr gSa %
1- bZth,e ds nkSjku bZ&ernku dh çfØ;k mijfyf[kr fjeksV bZ&ernku ds funsZ'kksa ds leku gh gS
2- dsoy os 'ks;j/kkjd] tksfd ohlh@vks,oh,e ds ek/;e ls bZth,e esa mifLFkr gSa vkSj fjeksV bZ&ernku ds
ek/;e ls ladYi ij ernku ugha fd;k gS ,oa ,slk djus ls çfrcaf/kr Hkh ugha gSa] bZth,e ds nkSjku
bZ&ernku gsrq ik= gksaxsA
3- mu 'ks;j/kkjdksa] ftUgksaus bZth,e ds nkSjku miyC/k bZ&ernku ds ek/;e ls ernku fd;k gS fdUrq os
ohlh@ vks,oh,e ds ek/;e ls gksus okyh cSBd esa mifLFkr ugha gksrs gSa] ds erksa dks voS/k ekuk tk,xk
D;ksafd cSBd ds nkSjku bZ&ernku dh lqfo/kk dsoy cSBd esa mifLFkr jgus okys 'ks;j/kkjdksa ds fy,
miyC/k gksxhA
4- fjeksV bZ&ernku ds ek/;e ls ernku djus okys 'ks;j/kkjd bZth,e esa mifLFkr jgus ds ik= gksaxsA ;|fi
os bZth,e ds nkSjku ernku gsrq ik= ugha gksaxsA
14- ,th,e ds nkSjku fjeksV bZ&ernku vkSj bZ&ernku ds ifj.kke :
fjeksV bZ&ernku ds ifj.kkeksa dks ,th,e cSBd esa bZ&ernku ds ifj.kkeksa ds lkFk ,d= fd;k tk,xk ftldh
?kks"k.kk cSad }kjk viuh osclkbV ij dh tk,xh rFkk LV‚d ,Dlpsatksa dks Hkh lwfpr fd;k tk,xkA

funs'kd eaMy ds vkns'k ls

LFkku % psUuS ¼in~etk pqUMw:½

fnukad % 02-11-2020 çcUèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh

8
Li"Vhdj.k fooj.k
dk;Z lwph en 1
cSad ds 'ks;j çhfe;e [kkrs ls `18]975-53 djksM+ dh lafpr gkfu dk fofu;kstuA
;FkkfLFkfr 31-03-2020 dks bafM;u cSad ¼vkbZch½] iwoZorÊ bykgkckn cSad ¼bZ&,ch½ vkSj ;FkkfLFkfr 01-04-2020 dks
la;qä bdkbZ dh vkjf{kr fufèk;k¡ fuEukuqlkj gSa :
(jkf'k ` djksM+ esa)
vkjf{kr fufèk;k¡ vkbZch bZ&,ch la;qä
31.03.2020 31.03.2020 01.04.2020
lkafofèkd vkjf{kr fufèk 4,694.20 3,204.39 7,898.59
iqueZwY;u vkjf{kr fufèk 2,987.84 2,909.99 5,897.83
iwath vkjf{kr fufèk & vU; 388.55 476.75 865.30
èkkjk 36¼1½¼viii½ ds rgr fo'ks"k vkjf{kr fufèk 725.52 1,450.00 2,175.52
èkkjk 36¼1½¼viiia½ ds rgr fo'ks"k vkjf{kr fufèk 58.20 1.91 60.11
jktLo vkjf{kr fufèk 7,448.29 3,221.79 10,670.08
v‚ycSd a Qkbukal fyfeVsM ¼,ch,Q,y½ dh lkekU;
vkjf{kr fufèk] ekpZ 2018 esa bZ&,ch esa foy; dh
xbZ bZ&,ch dh iw.kZ LokfeRo okyh vuq"kaxh laLFkk 0.00 0.08 0.08
ykHk@¼gkfu½ 99.16 -19131.97 -19,032.81
,ch,Q,y dh ykHk@¼gkfu½ 0.00 57.28 57.28
fuos'k vkjf{kr fufèk 47.79 138.59 186.38
'ks;j çhfe;e 4,026.65 15,806.50 19,833.15
fuos'k mrkj&p<+ko vkjf{kr fufèk 566.99 0.00 566.99
fons'kh eqæk Vªkalys'ku vkjf{kr fufèk 437.26 0.00 437.26
dqy 21,480.45 81,35.31 29,615.76
lekesyhdj.k vkjf{kr fufèk 0.00 0.00 4,006.92
dqy 33,622.68

;FkkfLFkfr 01 vçSy] 2020 bafM;u cSad ¼lekesfyr bdkbZ½ dh vksifuax rqyui= ds vuqlkj çhfe;e lfgr igys ds
'ks;j fuxZe ds ifj.kkeLo:i `19]833-15 djksM+ dh jkf'k 'ks;j çhfe;e [kkrs esa tek gSA blds vfrfjä lekesfyr
bdkbZ ds fjtoZ vkSj ljIyl ds rgr 01 vçSy] 2020 rd fuoy lafpr gkfu ds :i esa dqy `18]975-53 jkf'k cdk;k
gSA
cSad ;g çLrko djrk gS dh lafpr gkfu;ksa dks lekIr djus ds mís'; ls 'ks;j çhfe;e [kkrs dh jkf'k dk mi;ksx
fd;k tk,A
rnuqlkj] cSad us lekesfyr bdkbZ ds vksifuax cdk;k frfFk vFkkZr 01 vçSy] 2020 dks ^'ks;j çhfe;e [kkrk* esa tek
ds :i esa cdk;k jkf'k `19]833]14]85]004-17 ¼mUuhl gtkj vkB lkS rSarhl djksM+ pkSng yk[k ipklh gtkj pkj
#i, vkSj l=g iSls ek=½ esa ls pkyw foÙk o"kZ 2020&21 ds nkSjku] `18]975]52]95]417-96 ¼vBkjg gtkj ukS lkS
ipgÙkj djksM+ ckou yk[k fuU;kuos gtkj pkj lkS l=g #i, vkSj fN;kUos iSls ek=½ dk mi;ksx djus dk çLrko
djrk gS ftls 'ks;j çhfe;e [kkrk ds tek cdk;k esa ls ykHk vkSj gkfu [kkrk esa `18]975]52]95]417-96 ¼vBkjg gtkj
ukS lkS ipgÙkj djksM+ ckou yk[k fuU;kuos gtkj pkj lkS l=g #i, vkSj fN;kUos iSls ek=½ ukes cdk;k esa varj.k
fd;k tk; vkSj rnuqlkj 'ks;j çhfe;e [kkrk esa jkf'k dks de fd;k tk;A
mi;Zqä çLrkfor 'ks;j çhfe;e esa dVkSrh] ;fn vuqeksfnr vkSj vafre :i ls fØ;kfUor gks] dk çHkko ;g gksxk fd
;FkkfLFkfr 01 vçSy] 2020 dks `18]975]52]95]417-96 dh lafpr gkfu lekIr gks tk,xhA
cSad dk fopkj gS fd ;g orZeku ifj–'; esa cSad ds fy, lcls O;kogkfjd vkSj vkfFkZd :i ls dq'ky fodYi gS rkfd
cSad dh foÙkh; fLFkfr dk lgh vkSj fu"i{k –f"Vdks.k çLrqr fd;k tk ldsA

9
cSad viuh okLrfod foÙkh; fLFkfr dk çfrfufèkRo djus esa l{ke gksxk tks 'ks;jèkkjdksa dks ykHkkfUor djsxk D;ksafd
mudh èkkfjrk csgrj ewY; çkIr djsxh vkSj cSad ds 'ks;jèkkjdksa ds ykHk ds voljksa dks c<+kus esa l{ke gksxh ftlesa
mfpr le; lhek ds Hkhrj ykxw çkoèkku ds vuqlkj ykHkka'k Hkqxrku 'kkfey gSA bl çLrko ls cSad le;c) rjhds ls
viuh VuZvjkmaM ;kstuk dks çkIr djus ds fy, csgrj fLFkfr esa jgsxkA
cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vfèkfu;e] 1970 fdlh Hkh [kksbZ gqbZ ;k miyCèk ifjlaifÙk;ksa }kjk
çLrqr ugha dh xbZ çnÙk iwath dks jí djds viuh çnÙk iwath dks de djus dk çkoèkku djrk gSA blds vfrfjä
jk"Vªh;—r cSad ¼çcaèku vkSj fofèkd çkoèkku½ ;kstuk] 1980 la'kksfèkr :i jk"Vªh;—r cSad ¼çcaèku vkSj fofèkd
çkoèkku½ la'kksèku ;kstuk] 2020 jk"Vªh;—r cSad dks cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vfèkfu;e]1970
esa lanfHkZr çfØ;k dk vuqlj.k djrs gq, vius 'ks;j çhfe;e [kkrs ls fdlh Hkh jkf'k dk Hkqxrku djus dh vuqefr
nsrk gSA
pw¡fd lafpr gkfu;ksa dks nwj djus ds mís'; ls cSad ds 'ks;j çhfe;e [kkrs ds çLrkfor mi;ksx dks iwathxr deh ekuk
tk,xk blfy, cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vfèkfu;e] 1970 dh èkkjk 3¼2chch,½ ds çkoèkkuksa ds
vuqlj.k esa fo'ks"k ladYi ds ekè;e ls cSad ds 'ks;jèkkjdksa dh Loh—fr ekaxh tk jgh gSA
cSafdax fofu;eu vfèkfu;e] 1949 dh èkkjk 17 ¼2½ esa ;g çkoèkku gS fd tc cSad 'ks;j çhfe;e [kkrs ls fdlh Hkh jkf'k
;k jkf'k;ksa dks fofu;ksftr djrk gS rks ,sls fofu;ksx dh rkjh[k ls bDdhl fnuksa ds Hkhrj ,sls fofu;kstu ls lacafèkr
ifjfLFkfr;ksa dk fooj.k nsrs gq, bl rF; ds lacaèk Hkkjrh; fjt+oZ cSad dks fjiksVZ djsaA cSad fuèkkZfjr vofèk ds Hkhrj
bl vis{kk dk vuqikyu djsaA
'ks;j çhfe;e [kkrs esa dVkSrh ftlesa 'ks;j çhfe;e [kkrs dh tek jkf'k esa dVkSrh dj ih ,.M ,y [kkrs esa ukes cdk;k
dks lekIr djuk 'kkfey gS ds lacaèk esa cSad dks vius 'ks;jèkkjdksa dk fopkj dk fuoZgu djuk vko';d ugha gSA
rnuqlkj] 'ks;j çhfe;e [kkrs esa dVkSrh ds ckn cSad dh bfDoVh iwath lajpuk vkSj 'ks;jèkkfjrk iSVuZ vifjofrZr
jgsxhA 'ks;jksa dk cgh ewY; Hkh vifjofrZr jgsxkA
'ks;jèkkfjrk iSVuZ :
Ø-la- Js.kh 'ks;j çhfe;e [kkrs esa 'ks;j çhfe;e [kkrs esa
dVkSrh ls igys dVkSrh ds ckn
'ks;jksa dh 'ks;jèkkfjrk 'ks;jksa dh 'ks;jèkkfjrk
la[;k çfr'kr ¼%½ la[;k çfr'kr ¼%½
, çorZd 'ks;jèkkfjrk : 994549600 88.06 994549600 88.06
Hkkjr ljdkj
ch xSj çorZd 'ks;jèkkfjrk: 134816970 11.94 134816970 11.94

dqy 1129366570 100.00 1129366570 100.00

'ks;jèkkjdksa vkSj ysunkjksa ds vfèkdkj iwokZxzg ls çHkkfor ugha gSaA

funs'kd eaMy us cSad vkSj blds 'ks;jèkkjdksa ds lokZsÙke fgr esa 'ks;j çhfe;e [kkrs ds mi;ksx ds mijksä çLrko dks
eatwjh ns nh gS vkSj blfy, 'ks;jèkkjdksa }kjk vuqeksnu ds fy, Hkh flQkfj'k dh gSA
funs'kdksa vkSj vU; çeq[k çcaèkdh; O;fä;ksa dh vfHk#fp
cSad ds fdlh Hkh funs'kd vkSj çeq[k çcaèkdh; O;fä; ;k muds lacafèk;ksa dks mijksä ladYi esa #fp ugha gSA
dk;Z lwph en 2
,d 'ks;j/kkjd funs'kd dk fuokZpu %
cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e] 1970 ¼vf/kfu;e½ dh /kkjk 9¼3½¼i½ ds varxZr
'ks;j/kkjdksa] dsaæh; ljdkj ds vfrfjä] esa ls gh funs'kd dk fuokZpu fd;k tkuk crk;k x;k gS ,oa vuqHkkx esa vU;
ckrksa ds lkFk gh ;g crk;k x;k gS ;fn cSad }kjk tkjh lkoZtfud 'ks;j/kkfjrk dqy pqdrk iwath dh 16 çfr'kr ls
vf/kd ugha gksxh rks 'ks;j/kkjdksa] dsaæh; ljdkj ds vfrfjä] }kjk mUgha esa ls fdlh ,d dks funs'kd fuokZfpr fd;k
tk,xkA

10
M‚- Hkkjr —".k 'kadj dk fuokZpu 'ks;j/kkjd funs'kd ds rkSj ij fd;k x;k Fkk ,oa mUgksaus 21 fnlacj] 2017 dks
vxys rhu o"kksaZ ds fy, inHkkj xzg.k fd;k FkkA vr% mudk 3 o"kZ dk dk;Zdky 20 fnlacj] 2020 dks lekIr gks
tk,xkA
pwafd cSad esa lkoZtfud 'ks;j/kkfjrk cSad dh dqy pqdrk iwath ds 16 çfr'kr ls uhps gS] vr% cSad ,d 'ks;j/kkjd
funs'kd dk pquko dj ldrk gSA
ekStwnk 'ks;j/kkjd funs'kd dk dk;Zdky lekIr gks tkus ds dkj.k mRiUu gqbZ fjfä;ksa dks Hkjus ds fy, cSad ds
'ks;j/kkjdksa ¼dsaæh; ljdkj ds vykok½ dk çfrfuf/kRo djus okys ,d funs'kd dk p;u djus gsrq ,d vlk/kkj.k
vke cSBd cqykbZ xbZ gSA
'ks;j/kkjd ¼dsaæh; ljdkj ds vykok½ çklafxd vf/kfu;e@fofu;e vf/kfu;e @ ;kstuk @ fofu;eksa @
vkjchvkbZ funsZ'kksa@dsaæh; ljdkj ds funsZ'kksa@çklafxd m)j.kksa@Hkkx ftudk dgha vkSj iqu#Riknu fd;k x;k gks]
esa çLrqr foLr`r çfØ;k ds vuqlkj viuk ukekadu Hkstus ds fy, ik= gSaA
dkuwuh çko/kku
fuEufyf[kr fooj.kh bl lanHkZ esa ykxw fofo/k vf/kfu;eksa@fofu;e@;kstuk@vf/klwpuk esa fufgr çko/kkuksas dks
bafxr djrh gS %

vf/kfu;e@;kstuk@
çko/kku laf{kIr fooj.k
fofu;e@vf/klwpuk
cSaddkjh fofu;eu /kkjk 5 ¼,ubZ½ n lkjHkwr fgr
vf/kfu;e]1949 /kkjk 16 ¼1½ n d‚eu funs'kdksa dk çfr"ks/k
n fdlh Hkh funs'kd dks ;k mlds i{k esa
/kkjk 20 _.k fn;s tkus ij çfrca/k

cSaddkjh daiuh ¼miØeksa /kkjk 3 ¼2bZ½ n ernku vf/kdkj ij çfrca/k

dk vtZu vkSj varj.k½
vf/kfu;e]1970
/kkjk 9¼3½¼i½ n 'ks;j/kkjdksa }kjk pqus tkus okys funs'kdksa dh
la[;k
/kkjk 9¼3,½ ¼,½ ls ¼lh½ n dqN {ks=ksa esa fo'ks"k Kku
/kkjk 9¼3,,½ vkSj n dksbZ Hkh O;fä] tc rd og VªSd fjd‚MZ]
/kkjk 9¼3,ch½ bZekunkjh ,oa vkjchvkbZ }kjk crk, x,
ekunaMksa ds vuqlkj mfpr o mi;qä u gks]
funs'kd gsrq p;u ds fy, ik= ugha gksxk
/kkjk 9¼3ch½
n og p;fur funs'kd tksfd mä vf/kfu;e
ds /kkjk 9¼3,½ vkSj /kkjk 9¼3,,½ dh
vko';drk,¡ iwjh ugha djrk mls vkjchvkbZ
/kkjk 13¼2½ }kjk gVk fn;s tkus dk vf/kdkj gS
n fo'oLrrk ,oa xksiuh;rk dh ck/;rk

jk"Vªh;—r cSad ¼çca/ku ,oa [kaM 9¼4½ n fuokZfpr funs'kdksa dk dk;Zdky

fofo/k çko/kku½ ;kstuk] [kaM10 n cSad ds funs'kd ds gsrq vik=rk
1970 [kaM11 n funs'kd dk dk;kZy; dks NksM+k tkuk
[kaM 11, n p;fur funs'kd dks dk;kZy; ls gVk;k
tkuk
[kaM 11 ch n p;fur funs'kd ds dk;kZy; esa vkdfLed
fjfä dks Hkjk tkuk
[kaM 12¼8½ n dqN funs'kdksa dh vfHk#fp ds vuqlkj muds
}kjk fgrksa dk çdVhdj.k

11
 bafM;u cSad ¼'ks;j o cSBd½ fofu;e 10 n la;qä /kkjdksa ds vf/kdkjksa dk ç;ksx
fofu;e]1999] ;Fkk fofu;e 53 n lkekU; cSBdksa esa ernku
la'kksf/kr fofu;e 55 n lkekU; cSBdksa esa pqus tkus okys funs'kd
fofu;e 56 n 'ks;j/kkjdksa dh lwph
fofu;e 57 n fuokZpu gsrq vH;fFkZ;ksa dk ukekadu
fofu;e 58 n ukekaduksa dh tkap
fofu;e 59 n fuokZpu esa fookn
fofu;e 60 n ernku vf/kdkj
fofu;e 61 n fof/kor çkf/k—r çfrfuf/k }kjk ernku
fofu;e 62 ijks{kh

vkjchvkbZ@Mhchvkj@ cSaddkjh daiuh ¼miØeksa Hkkjrh; fjtoZ cSad ¼ljdkjh {ks= ds cSadksa ds cksMZ
2019&20@71 ekLVj funs'k dk vtZu vkSj varj.k½ ij fuokZfpr funs'kdksa ds fy, ^mfpr vkSj
Mhchvkj@,ihihVh la [ ;k vf/kfu;e]1970 dh /kkjk mi;qä* ekunaM½ funs'k] 2019
9@29-67-001@2019 9¼3,,½ vkSj /kkjk 9¼3,ch½
fnukafdr 02 vxLr] 2019 ds vuqlkj
}kjk tkjh Hkkjrh; fjtoZ cSad
¼ljdkjh {ks= ds cSadksa ds cksMZ
ij fuokZfpr funs'kdksa ds fy,
^mfpr vkSj mi;qä* ekunaM½
funs'k]2019
I= lanHkZ ,Q la[;k16@83@2013&¼thvksvkbZ½ foÙk ea=ky;] lkoZtfud {ks= ds cSadksa esa vkaf'kd xSj&
fnukafdr 3 flracj] 2013 vkSj Hkkjr ljdkj }kjk tkjh la'kksf/kr ljdkjh funs'kdksa dh fu;qfä ls lacfU/kr
fn'kkfuns'Z k tksfd vkaf'kd xSj dk;Zdkjh funs'kd dh fu;qfä gsrq Hkkjr ljdkj ds fn'kkfunsZ'k
dSfcusV dh fu;qfä lfefr }kjk 25 ekpZ 2015 dks Loh—r fd, x,
Fks tksfd Hkkjr ljdkj dh i= la[;k ,Q la[;k
16@51@2012&chvks&I fnukafdr 28 vçSy 2015 ds tfj;s
vxzfs "kr gSa ,oa Hkkjr ljdkj dh i= la[;k ,Q la[;k
16@51@2012&chvks&I fnukafdr 20 tqykbZ 2016] vks,e fnukad
3 flracj 2013 ds lkFk ifBr la'kksf/kr fn'kkfuns'Z k fnukafdr 8
tqykbZ] 2016] ds tfj;s vxzfs "kr gSa
vkjchvkbZ ekLVj ifji= vkjchvkbZ @2015&16@95 funs'kdksa ds fj'krsnkjksa dks _.k vkSj vfxze fn;s
Mhchvkj la[;k MhvkbZvkj-chlh-10@13-03-00@2015&16 tkus ls lacfU/kr
fnukafdr 1 tqykbZ] 2015
lsch ¼lwphc)rk ck/;rk,¡ ,oa çdVhdj.k vis{kk,¡½ fofu;e] 2015 Lora= funs'kd ls lacfU/kr çko/kku

'ks;j/kkjdksa dh lgwfy;r ds fy, vf/kfu;e] fofu;e vf/kfu;e] ;kstuk] fofu;e] vkjchvkbZ ifji= la[;k
Mhchvkj-,ihihVh-chlh-la[;k39@29-39-001@2016&17 fnukafdr 24 uoacj] 2016 ds lkFk ifBr cSafofo-fu;q-la-
9@29-67-001@2019&20 ekLVj funs'k fnukafdr 02 vxLr] 2019 }kjk tkjh Hkkjrh; fjtoZ cSad ¼ljdkjh {ks= ds
cSadksa ds cksMZ ij fuokZfpr funs'kdksa ds fy, ^mfpr vkSj mi;qä* ekunaM½ funs'k] 2019 ,oa Hkkjr ljdkj ds
fn'kkfunsZ'kksa ds m)j.k cSad dh oSclkbV www.indianbank.in esa fn;s x, gSaA ;g m)j.k mEehnokjksa }kjk
vkosnu fd, tkus ij mUgsa bZ&esy ds }kjk Hksts tk,axsA vkosnu i= ij lgk;d egk çcU/kd ,oa daiuh lfpo]
bafM;u cSad] fuos'kd lsok d{k] d‚iksZjsV dk;kZy;] 254&260] vOoS "k.eqxe lkyS] jk;isêk] psUuS &600 014 fy[ksa
rFkk ;g vkosnu gesa ukekadu Q‚eZ tek fd, tkus dh vafre fnukad ;Fkk 'kqØokj] 13 uoacj] 2020 ij ;k mlls
igys çkIr gks tkuk pkfg,A
pquko esa çfrHkkfxrk
tSlk igys gh bafxr fd;k tk pqdk gS fd 'ks;j /kkjd@fgrkf/kdkjh Lokeh ftuds uke 'ks;j/kkjd jftLVj esa 'kkfey
gSa os fofufnZ"V rkjh[k ;kfu eaxyokj] 3 uoacj] 2020 dks dsaæ ljdkj ds vfrfjä vU; 'ks;j/kkjdksa ds chp
funs'kdksa ds pquko esa Hkkx ysus ;kuh ukekadu] çfr;ksfxrk vkSj ernku ds vf/kdkjh gksaxsA
12
cSad ds funs'kd ds rkSj ij pquko gsrq vko';d vgZrk %
vf/kfu;e dh /kkjk 9¼3,½ ds vuqlkj ,d çfrHkkxh] tksfd cSad esa 'ks;j/kkjd gS vkSj vf/kfu;e dh /kkjk 9¼3½¼i½ ds
vuqlkj cSad ds funs'kd cuus dh bPNk j[krk@j[krh gS] og
d- fuEufyf[kr esa ls fdlh ,d ;k vf/kd fo"k;¼;ksa½ esa fo'ks"k Kkrk ;k vuqHkoh gksuk pkfg, %
i- —f"k ,oa xzkeh.k vFkZO;oLFkk
ii- cSafdax
iii- lgdkfjrk
iv- vFkZO;oLFkk
v- foÙk
vi- dkuwu
vii- y?kq Lrj m|e
viii- ;k vU; fdlh fo"k; dk fo'ks"k Kku vkSj vuqHko tksfd Hkkjrh; fjtoZ cSad ds fopkj ls cSad ds fy, mi;qä
gksxkA
¼vkjchvkbZ us fnukad 24 uoacj] 2016 ds vius ifji= la[;k Mhchvkj-,ihihVh-chlh-la[;k-39@29-39-001@2016
o 2017 ds ek/;e ls fuEu {ks=ksa dks 'kkfey djus ds fy, fo'ks"kKrk {ks= esa foLrkj fd;k gS & ¼i½ lwpuk çkS|ksfxdh
¼ii½ Hkqxrku vkSj fuiVku ç.kkyh ¼iii½ ekuo lalk/ku ¼iv½ tksf[ke çca/ku vkSj ¼v½ O;olk; çca/ku rkfd cSadksa esa
funs'kd dh fu;qfä gsrq bu {ks=ksa ls lacaf/kr O;fä;ksa ij fopkj fd;k tk ldsA
[k- tekdrkZvksa ds fgrksa dk çfrfuf/kRo djus okyk
x- fdlkuksa] dkexkjksa ,oa dkjhxjksa ds fgrksa dk çfrfuf/kRo djus okyk
vf/kfu;e dh /kkjk 9¼3,,½ ds vuqlkj dksbZ Hkh O;fä rc rd /kkjk 9¼3½ ¼i½ varxZr funs'kd ds fy, p;fur gksus gsrq
;ksX; ugha gksxk tc rd fd og vius dk;Z&fu"iknu fjd‚MZ] bZekunkjh rFkk vkjchvkbZ }kjk bl lanHkZ esa le;
le; ij vf/klwfpr fd, tkus okys vU; ekunaMksa ds vk/kkj ij ^mfpr vkSj mi;qä* O;fä ugha dgykrkA
cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e]1970@1980 dh /kkjk 9 dh mi/kkjk ¼3AA½ esa çnÙk
'kfä;ksa dk fu"iknu djrs gq, Hkkjrh; fjtoZ cSad ¼vkjchvkbZ½ us vf/klwpuk Mhchvkj-,ihihVh-la[;k%9@29-67-
001@2019&20 fnukafdr 2 vxLr 2019 tkjh dh gS ftlesa cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½
vf/kfu;e]1970@1980 dh /kkjk 9 ¼3½¼i½ ds çko/kku ds varxZr cSad ds cksMZ ds funs'kdksa ds rkSj ij fu;qä gksus ds
fy, iw.kZ fd, tkus okys fo'ks"k Þmfpr o mi;qäß ekunaMksa dk mYys[k gSA
blds vfrfjä] p;fur funs'kdksa dks çlafonk foys[k dk;kZfUor djuk gksxk] tksfd cSad dh vkpkj lafgrk ds
fo"k;kUrxZr gS ,oa bl lanHkZ esa Hkkjrh; fjtoZ cSad@vU; fofu;ked çkf/kdkfj;ksa }kjk fu/kkZfjr dh xbZ okf"kZd
?kks"k.kkvksa dks Hkjuk gksxkA
cSad ds funs'kd ds in ij p;u gsrq vik=rk %
¼d½ jk"Vªh;—r cSad ¼çca/ku ,oa fofo/k çko/kku½ ;kstuk]1970 ds [kaM 10 ds vuqlkj O;fä funs'kd ds in
ij p;u ds fy, vik= gks tk,xk] tc
i) ;fn mls fdlh Hkh le; fnokfy;k ?kksf"kr dj fn;k x;k gS ;k mlus Hkqxrku fuyafcr dj fn;k gS ;k vius
ysunkjksa ds lkFk le>kSrk dj fy;k gS ;k
ii) vxj og fnekxh rkSj ij vlarqfyr gSa vkSj ,d l{ke vnkyr }kjk ,slk ?kksf"kr fd;k x;k gS ;k
iii) ;fn mls vuSfrdrk ds vk/kkj fdlh vijk/k ds vkijkf/kd U;k;ky; }kjk nks"kh Bgjk;k x;k gS ;k
iv) ;fn og fdlh Hkh jk"Vªh;—r cSad esa ;k Hkkjrh; LVsV cSad vf/kfu;e]1955 dh /kkjk 3 dh mi&/kkjk ¼1½ ds
rgr Hkkjrh; LVsV cSad esa ;k Hkkjrh; LVsV cSad ¼lfClfM;jh cSad½ vf/kfu;e] 1959 dh /kkjk 3 esa ifjHkkf"kr
fdlh Hkh vuq"kaxh cSad ds flok; vf/kfu;e dh /kkjk 9 dh mi&/kkjk ¼3½ ds varxZr [kaM ¼bZ½ o ¼,Q½ ds
vuqlkj çca/k funs'kd vkSj funs'kdksa lfgr iw.kZdkfyd funs'kd ds vfrfjä dksbZ ykHk dk in /kkj.k djrk
gS

13
¼[k½ ;fn og cSad ds cksMZ dh ukekadu ,oa ikfjJfed lfefr }kjk lkoZtfud {ks=ksa ds cSad esa xSj&ljdkjh funs'kd
ij fopkj djus gsrq dsaæh; ljdkj }kjk mfYyf[kr ekunaMksa ds lkFk ifBr vkjchvkbZ@ Mhchvkj@
2019&20@71 cSafofo-fu;q-la-9@29-67-001@2019&20 ekLVj funs'k fnukafdr 02 vxLr] 2020 }kjk
tkjh Hkkjrh; fjtoZ cSad ¼ljdkjh {ks= ds cSadksa ds cksMZ ij fuokZfpr funs'kdksa ds fy, ^mfpr vkSj mi;qä*
ekunaM½ ekLVj funs'k] 2019 ds vuqlkj Þmfpr o mi;qäß ugha ik;k tkrk gSA
'ks;j/kkjdksa dh lwph %
bafM;u cSad ¼'ks;j o cSBd½ fofu;e]1999] ;Fkk la'kksf/kr ds fofu;e 56 ds vuqlkj 'ks;j/kkjdksa dh lwph dh çfr
'kqØokj] 6 uoacj] 2020 ls d‚iksZjsV dk;kZy;] fuos'kd lsok d{k] 254&260] vOoS "k.eqxe lkyS] jk;isêk] psUubZ &
600 014 esa miyC/k jgsxhA 'ks;j/kkjd bafM;u cSad ds i{k esa fMekaM Mªk¶V@baVj v‚fQl bUlVªwesaV@vf/klwfpr cSad
ds Hkqxrku vkns'k] tksfd psUubZ esa ns; gksxk] }kjk 50]000@& ¼ipkl gtkj #i,½ dk Hkqxrku dj ;g lwph [kjhn
ldrs gSaA bl lwph dks [kjhnus ds bPNqd çfrHkkfx;ksa dks lgk;d egk çcU/kd ,oa daiuh lfpo] bafM;u cSad]
fuos'kd lsok d{k] d‚iksZjsV dk;kZy;] 254&260] vOoS "k.eqxe lkyS] jk;isêk] psUubZ & 600 014 dks ,d vkosnu i=
Hkstuk gksxk rFkk blds lkFk gh ,d 'kiFki=] fd bl lwph dk ç;ksx dsoy pquko çpkj gsrq fd;k tk,xk ,oa blds
vfrfjä vkSj fdlh mís'; ds fy, ugha fd;k tk,xk] Hkh tek djuk gksxkA
'ks;j/kkjdksa ds jftLVjksa dh tkap
'ks;j/kkjdksa ds jftLVj 'ks;j/kkjdksa }kjk tkap fd, tkus ds fy, d‚iksZjsV dk;kZy;] fuos'kd lsok d{k] 254&260]
vOoS "k.eqxe lkyS] jk;isêk] psUubZ & 600 014 esa lHkh dk;kZy; fnolksa ¼jfookj] f}rh; o prqFkZ 'kfuokj rFkk cSad
vodk'k dks NksM+dj½ ij ;kfu lkseokj ls 'kfuokj vijkgu 03-00 cts ls 'kke 05-00 cts rd [kqys jgsaxsA
;fn dksbZ 'ks;j/kkjd fdlh p;fur lwpuk ;k lwpuk ds fdlh Hkkx dh çfr ;k daI;wVj fçaV pkgrk gS ;k fdlh
fHkUukRed Hkkx dh çfr dh vko';drk gS rks mls og çfr 1000 'kCn ij 5@& #i, dk çHkkj yxk dj] ml jkf'k
ds iwoZ Hkqxrku fd, tkus ij miyC/k djkbZ tk ldrh gS
pquko ds fy, çfrHkkfx;ksa dk ukekadu %
1- ukekaduksa dh oS/krk %
funs'kd ds rkSj ij fuokZfpr gksus] funs'kd gsrq fuokZpu ds fy, ukekadu nsus ds fy, bafM;u cSad ¼'ks;j o cSBd½
fofu;e] 1999 ;Fkk la'kksf/kr ds fofu;e 57] vkjchvkbZ funsZ'k o Hkkjr ljdkj ds fn'kkfunsZ'k ,oa blds vfrfjä
la'kks/ku] ;k vle; tkjh gq, ,sls funsZ'k c'krsZ %
,½ og 'ks;j/kkjd] tksfd fuokZpu esa çfrHkkfxrk djus okys 'ks;j/kkjdksa dh ik=rk dks r; djus dh cSad dh
fu/kkZfjr rkjh[k 3 uoacj] 2020 eaxyokj dks] cSad ds de ls de 100 ¼,d lkS½ 'ks;j j[krs gksa rFkk cSBd dh
rkjh[k rd ,oa mlds ckn mlds dk;Zdky] fuokZfpr gksus ij] ds var rd fujarj U;wure 100 'ks;j ds /kkjd
jgsaxsA
ch½ ukekadu çkIr djus dh vafre rkjh[k 'kqØokj] 13 uoacj] 2020 dks og vfèkfu;e @ fofu;e vfèkfu;e @
;kstuk @ fofu;e @ HkkfjcSa fn'kkfunZs'kksa @ Hkkjr ljdkj ds fn'kkfunZs'kksa ds varxZr funs'kd cuus ds fy,
vik= u gksA
lh½ funs'kd fuokZfpr djus ds fy, ukekadu fyf[kr :i esa fd;k x;k gks vkSj og de ls de ,d lkS ik=
'ks;jèkkjdksa vFkok muds }kjk fofèkor xfBr vVuÊ }kjk gLrk{kfjr gks] c'krZs] ukekadu ;fn fdlh ,sls
'ks;jèkkjd }kjk fd;k x;k gks] tks ,d daiuh gS rks mä daiuh ds funs'kdksa }kjk ladYi ikfjr fd;k x;k vkSj
ftl cSBd esa ladYi ikfjr fd;k x;k gS mlds vè;{k }kjk ladYi dh çekf.kr lR; çfr ds :i esa
vfèkçekf.kr fd;k x;k gks] cSad ds dkikZsjsV dk;kZy;] dks egkçcaèkd&lh,Qvks] d‚ikZsjsV dk;kZy;] 254& 260]
vOoS "k.eqxe lkyS] jk;isêk] psUuS & 600 014 dks lacksfèkr djrs gq, tek fd;k tk,xk vkSj ,slh çfr dks ml
daiuh dh vksj ls fd;k x;k ukekadu ekuk tk,xkA
Mh½ ukekadu ds lkFk fdlh U;k;kèkh'k@eftLVªsV@vkÜofkluksa ds jftLVªkj@lc&jftLVªkj@vU; jktif=r
vfèkdkjh@Hkkjrh; fjtoZ cSad@fdlh jk"Vªh;—r cSad ds vfèkdkjh ds le{k gLrk{kfjr uksfVl esa fn, ukekadu
vkSj ?kks"k.kk ds uewus ds vuqlkj ;g ?kks"k.kk 'kkfey gksuh pkfg, fd og ukekadu Lohdkj djrk@djrh gS vkSj
fuokZpu esa [kM+s gksus ds fy, bPNqd gS vkSj fd og vfèkfu;e@fofu;e vfèkfu;e@ ;kstuk@fofu;e@HkkfjcSa
fn'kkfunZs'kksa@ Hkkjr ljdkj ds ç;ksT; fn'kkfunZs'kksa ds varxZr funs'kd ds fy, v;ksX; ugha gS vkSj og vius
O;fäxr fooj.k ¼ck;ks MkVk½ esa fofèkor gLrk{kj dj ;g çfrKk djrs gq, ?kks"k.kk djsxk@djsxh fd ;g fooj.k
mldh lokZsÙke tkudkjh vkSj foÜokl ds vuqlkj lR; gS vkSj ;g opu nsxk@nsxh fd og ?kks"k.kk ds ckn esa
gksus okyh ?kVukvksa] tks çklafxd gksa] dh iw.kZ tkudkjh ;Fkk'kh?kz cSad dks nsxk@nsxhA
14
bZ½ fofu;e }kjk ;FkkfuèkkZfjr fd, ukekadu i= vkSj ?kks"k.kk i= bl uksfVl ds lkFk layXu çk:i ds vuqlkj fn,
x, gSaA ¼;g çksQkekZ laiw.kZ uksfVl ds lkFk cSad dh osclkbV www.indianbank.in ij Hkh miyCèk gSA½
,Q½ ukekadu çkIr djus dh vafre frfFk ;FkkfLFkfr 'kqØokj] 13 uoacj] 2020 rd dks os cSafdax fofu;eu vf/kfu;e]
1949 ;k fdlh vf/kfu;e] fdlh ;kstuk] fofu;e] Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'k] Hkkjr ljdkj ds
fn'kkfunsZ'k ;k funs'kd ds :i esa pqus tkus ds fy, le;&le; ij tkjh ,sls vU; funsZ'k ds v/khu v;ksX; ugha
gksaA
II. ukekadu Q‚ekZs dh çLrqfr%
'ks;jèkkjdksa esa ls cSad ds funs'kdksa ds pquko yM+us ds bPNqd 'ks;jèkkjdksa dks] dsaæ ljdkj ds vfrfjä]
,- fofèkor :i ls Hkjk x;k ?kks"k.kk&i=
ch- pquko esa Hkkx ysus gsrq U;wure 100 'ks;jèkkjdksa ls ukekadu
lh- bl uksfVl ds lkFk layXu çk:i esa O;fäxr lwpuk] ?kks"k.kk&i= rFkk opu&i=] ftlds lkFk lacafèkr
nLrkost+] çek.ki= vFkkZr Lo lR;kfir ck;ksMkVk] 'kS{kf.kd ;ksX;rk lacaèkh çek.ki=] vuqHko vkfn layXu gks]
dks fuEufyf[kr nLrkost+ lhycan fyQkQs esa egkçcaèkd& lh,Q+vks] d‚ikZsjsV dk;kZy;] 254&260] vOoS
"k.eqxe lkyS] jk;isêk] psUuS & 600014 dks vlkèkkj.k lkekU; cSBd dh fuèkkZfjr rkjh[k ls de ls de 14 dk;Z
fnol iwoZ vFkkZr 'kqØokj] 13 uoacj] 2020 dks lk; 5-00 cts rd ;k blls iwoZ tek djk, tk,¡A
mi;Zqä ukekadu Q‚eZ o vU; nLrkost+ lHkh rjg ls iw.kZ gksus pkfg, vkSj ,slk u gksus ij ukekadu vLohdkj fd;k
tk ldrk gS A
III. ukekaduksa dh tkap rFkk funs'kdksa dk pquko%
,½ ukekadu çkIr gksus ds fy, fuèkkZfjr rkjh[k ds ckn ds çFke dk;Z fnol lkseokj] 16 uoacj] 2020 dks cSad }kjk
ukekaduksa dh tk¡p dh tk,xh vkSj ;fn dksbZ ukekadu oSèk ugha ik;k x;k rks mldk dkj.k ntZ djus ds i'pkr
mls vLoh—r dj fn;k tk,xk A
ch½ oSèk ukekadu Hkh vkjchvkbZ ds funs'kksa rFkk Hkkjr ljdkj ds fn'kk&funZs'kksa ds rgr cksMZ dh ukekadu rFkk
ikfjJfed lfefr ¼,uvkjlh½ }kjk tk¡p ds vè;èkhu gksaxs A tSlk fd vkjchvkbZ funs'kksa@vfèklwpukvksa ds
vuqlkj yxk;k x;k çfrcaèk rFkk Hkkjr ljdkj ds fn'kkfunZs'k ç—fr esa ,d tSls gSa] vr% cSad mEehnokjksa dh
;ksX;rk vFkok mudh leqfpr fLFkfr dk fuèkkZj.k djrs le; nksuksa esa lcls l[r çfØ;k dk ç;ksx dj ldrk
gS A
lh½ cSad ukekadu ds tk¡p ds le; vFkok cksMZ dh ukekadu lfefr dh lykg ij çR;k'kh ls mldh mEehnokjh ds
leFkZu esa vkxs dh tkudkjh] nLrostksa dh ekax dj ldrk gSA
Mh½ ;fn pquko }kjk Hkjh tkus okyh ,d fjfä gsrq dsoy ,d gh oSèk ukekadu çkIr gks rks bl çdkj ukfer çR;k'kh
mlh le; ls fuokZfpr le>k tk,xk vkSj mlds uke rFkk irs dks fuokZfpr funs'kd ds :i esa çdkf'kr fd;k
tk;sxk A ,slh fLFkfr esa 'ks;jèkkjd funs'kdksa ds fuokZpu ls lacfUèkr dk;Zlwph en dh ppkZ vlkèkkj.k lkekU;
cSBd esa ugha dh tk,xhA uo fuokZfpr funs'kd 21 fnlacj 2020 dks gh inHkkj xzg.k djsaxsA
bZ½ ;fn oSèk ukekadu ,d ls vfèkd gks rks çR;kf'k;ksa ds uke lekpkj &i=ksa esa çdkf'kr fd, tk,axs rFkk pquko
djk;k tk,xk vkSj pquko esa fjeksV bZ oksfVax rFkk cSBd esa oksfVax ds ekè;e ls lokZfèkd er çkIr djus okys
çR;k'kh fuokZfpr gksaxs vkSj muds uke cSBd esa ?kksf"kr fd;s tk,axs rFkk lekpkj & i=ksa esa Hkh çdkf'kr fd;s
tk,axsA
IV. vH;fFkZrk okil ysuk%
;fn dksbZ vH;FkÊ viuk ukekadu okil ysuk pkgrk gS rks mls egkçcaèkd&lh,Qvks] dkikZsjsV dk;kZy;] 254&260
vOoS "k.eqxe lkyS] jk;isêk] psUuS &600 014 ds irs ij] bZ&esy cfo@indianbank.co.in ij vkSj ckn esa
dwfj;j@LihM iksLV @jftLVMZ Mkd }kjk Hkst dj eaxyokj] 24 uoacj 2020 dks cSad ds dk;Z le; dh lekfIr ls
igys fdlh le; vijkà 05-00 cts ;k mlls igys ,slk djus ds ik= gksaxsA
V. bZth,e esa oksfVax çfØ;k
dk;Zlwph dh enksa ds fy,@bZth,e ds nkSjku ernku bZ&oksfVax ds ek/;e ls fd;k tk,xk vkSj ;g cSBd ds v/;{k
}kjk ?kks"k.kk fd, tkus ds rqjar ckn 'kq: fd;k tk,xkA oksVksa dh la[;k fufnZ"V frfFk 03 uoacj 2020 dks muds
'ks;j/kkfjrk dh la[;k ds cjkcj gksxhA

15
mlds ckn oksVksa dh lkj.khc) tkudkjh yh tk,xh vkSj ifj.kke dh ?kks"k.kk cSBd ds v/;{k ;k bl laca/k esa
çkf/k—r cSad ds fdlh vU; vf/kdkjh }kjk dh tk,xhA
VI. fookn %
fdlh fookn dh fLFkfr esa mldk fuiVku ;Fkkla'kksfèkr bafM;u cSad ¼'ks;j ,oa cSBdsa½ fofu;e] 1999] ;Fkkla'kksfèkr
ds fofu;e 59 ds vuqlkj fd;k tk,xkA
VII. lkjka'k%
'ks;jèkkjdksa dh lqfoèkk gsrq ç;ksT; vfèkfu;e@fofu;e vfèkfu;e@;kstuk@fofu;e@HkkfjcSa fn'kkfunZs'k@Hkkjr
ljdkj ds fn'kkfunZs'kksa dk laxr lkjka'k layXu gSA
funs'kdksa dk fgr%
cSad ds funs'kd viuh 'ks;jèkkfjrk dh lhek rd vkSj ,sls funs'kd tks ukekadu nkf[ky djrs gSa mudh O;olk; dh
mi;Zqä enksa esa lac)rk vFkok fgr le>k tk ldsxkA
funs'kdksa dk fuokZpu & çklafxd vfèkfu;eksa] ;kstukvksa vkSj fofu;eksa vkfn dk lkjka'k
'ks;jèkkjd funs'kdksa ds pquko vkSj dsUæ ljdkj ds vfrfjä 'ks;jèkkjdksa }kjk pqus tkus okys ,sls funs'kdksa dh la[;k
ls lacafèkr çkoèkku cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vfèkfu;e] 1970 dh èkkjk 9¼3½¼i½ esa lekfo"V gSaA
cSafdax fofu;eu vfèkfu;e] 1949] cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vfèkfu;e] 1970] vFkok
jk"Vªh;—r cSad ¼çcaèku vkSj fofoèk çkoèkku½ ;kstuk] 1970] bafM;u cSad ¼'ks;j vkSj cSBdsa½ fofu;e] 1999 ds çklafxd
çkoèkku] ;Fkkla'kksfèkr] vfèklwpuk la[;k MhchvksMh- chlh-la- 95@29-39-001@2010&11 fnukad 23-05-2011 ds
lkFk ifBr HkkfjcSa vfèklwpuk la[;k 46 vkSj 47@29-39-001@2007&08 fnukad 01-11-2007 ds rgr tkjh ^mi;qä
,oa leqfpr* ekunaM vkSj va'kdkfyd xSj 'kkldh; funs'kd ds p;u gsrq fnukad 01-06-2011 fn'kkfunZs'k ¼Hkkjr
ljdkj ds funs'k½ 25-03-2015 rFkk 08-07-2016 dks la'kksfèkr ftls Hkkjr ljdkj ds fnukad 03-09-2013 ds dk;kZy;
Kkiu }kjk 'ks;jèkkjd funs'kdksa ds fy, Hkh ç;ksT; cuk;k x;k gS dk çklafxd lkjka'k uhps çLrqr gSA
cSfdax fofu;eu vfèkfu;e] 1949
lkjHkwr fgr & èkkjk 5¼,ubZ½%
¼i½ daiuh ds lacaèk esa] rkRi;Z gS fdlh O;fä vFkok mlds ifr@iRuh vFkok vo;Ld larku }kjk] ,dy :i ls ;k
,dlkFk mlds 'ks;jksa ds :i esa] çnÙk iwath jkf'k tks #i, ikap yk[k ls vfèkd vFkok daiuh dh çnÙk iwath ds
nl çfr'kr] tks Hkh de gks] ykHkdkjh fgr èkkj.k djukA
¼ii½ QeZ ds lacaèk esa] rkRi;Z gS fdlh O;fä vFkok mlds ifr@iRuh vFkok vo;Ld larku }kjk] ,dy :i ls ;k
,dlkFk tks mä QeZ ds lHkh lk>snkjksa }kjk vfHknÙk dqy iwath ds nl çfr'kr ls vfèkd dk çfrfufèkRo djrk
gks] ykHkdkjh fgr èkkj.k djukA
lkekU; funs'kdksa ij çfrcaèk& èkkjk 16¼1½%
Hkkjr esa fuxfer dksbZ Hkh cSafdax daiuh vius funs'kd eaMy esa funs'kd ds :i esa ,sls fdlh O;fä dks 'kkfey ugha
djsxh tks vU; cSafdax daiuh esa funs'kd gksA
_.kksa vkSj vfxzeksa ij çfrcaèk& èkkjk 20 %
1½ daiuh vfèkfu;e] 1956 ¼ 1956 dk 1½ dh èkkjk 77 esa lekfgr fdlh ckr ds çfrdwy gksrs gq, Hkh dksbZ Hkh cSafdax
daiuh fuEufyf[kr dk;Z ugha djsxh&
d½ vius Lo;a ds 'ks;jksa dh çfrHkwfr ij dksbZ _.k ;k vfxze çnku djuk
[k½ fuEu dks vFkok mudh vksj ls dksbZ _.k ;k vfxze çnku djuk vFkok çfrc)rk djuk
¼i½ vius fdlh funs'kd dks
¼ii½ fdlh ,slh QeZ dks ftlesa blds fdlh funs'kd dk lk>snkj] çcaèkd] deZpkjh vFkok xkjaVhdrkZ ds :i esa fgr
gks] vFkok
¼iii½ ,slh dksbZ daiuh tks cSafdax daiuh dh vuq"kaxh ugha gS vFkok daiuh vfèkfu;e] 1956 ¼1956 dk 1½ dh èkkjk 25 ds
rgr iath—r daiuh vFkok ,slh ljdkjh daiuh ftldh vFkok ftldh vuq"kaxh dh vFkok gksfYMax daiuh
ftleas cSafdax daiuh dk dksbZ funs'kd] çcaèk ,tsaV] çcaèkd] deZpkjh vFkok xkjaVhnkrk gS vFkok ftlesa mldk
lkjHkwr fgr gSA
(iv) ,slk dksbZ O;fä] ftlds lacaèk esa blds funs'kdksa esa ls dksbZ funs'kd mldk lk>snkj vFkok xkjaVhnkrk gSA

16
2½ tg‚a cSafdax daiuh }kjk Loh—r dksbZ _.k ;k vfxze bl çdkj dk gS fd bls Loh—r djus ds fy, çfrc)rk ugha
dh xbZ gks] ;fn mièkkjk ¼1½ dk [kaM ¼ch½ ml rkjh[k dks] tc _.k vFkok vfxze fd;k x;k Fkk] çHkkoh gksrk] vFkok
cSafdax fofèk ¼la'kksèku½ vfèkfu;e] 1968 ¼1968 dk 58½ dh èkkjk 5 çkjaHk gksus ds i'pkr cSafdax daiuh }kjk Loh—r
fd;k x;k gS fdarq ,sls çkjaHk ls igys dh xbZ çfrc)rk ds vuqlj.k esa _.k vFkok vfxze dh Loh—fr ds le; mlds
lacaèk esa fuèkkZfjr vofèk ds Hkhrj ml ij ns; vFkok tgka ,slh vofèk fuèkkZfjr ugha dh xbZ gS] mä èkkjk 5 ds çkjaHk
gksus ls ,d o"kZ dh vofèk lekfIr gksus ls igys] _.k vFkok vfxze ds dkj.k cSafdax daiuh dks ns; ewy ds lkFk C;kt]
;fn dksbZ gS] dh olwyh ds fy, mik; fd, tk,axs] ijarq ;fn cSafdax daiuh }kjk bl lacaèk esa Hkkjrh; fjtoZ cSad dks
fdlh ekeys esa fyf[kr vkosnu fd;k x;k gks rks Hkkjrh; fjtoZ cSad _.k vFkok vfxze dh olwyh dh vofèk ,slh
rkjh[k rd c<+k ldrk gS] tks mä èkkjk 5 ds vkjaHk ls 3 o"kZ dh vofèk ds ckn dh rkjh[k ugha gksxh vkSj ,sls fu;e
,oa 'krksZa ds vè;èkhu gksxh] tSlk Hkkjrh; fjtoZ cSad mfpr le>sxkA
ijarq ;g Hkh fd ;g mièkkjk rc ykxw ugha gksxh tc lacafèkr funs'kd cSafdax daiuh ds funs'kd in dks ;k rks e`R;q]
lsokfuo`fÙk R;kxi= vFkok vU;a fdlh dkj.k ls fjä u dj nsA
3½ mièkkjk ¼2½ esa lanfHkZr dksbZ _.k vFkok mldk dksbZ Hkkx Hkkjrh; fjtoZ cSad ds iwoZ vuqeksnu ds fcuk çsf"kr ugha
fd;k tk,xk vkSj ,sls vuqeksnu ds fcuk dksbZ Hkh çs"k.k voSèk ,oa vçHkkoh ekuk tk,xkA
4½ tgka mièkkjk ¼2½ esa lanfHkZr dksbZ _.k vFkok vfxze] fdlh O;fä }kjk ns;] ml mièkkjk esa fofufnZ"V vofèk ds
Hkhrj cSafdax daiuh dks pqdrk ugha fd;k x;k gS] rc ,slk O;fä] ;fn mä vofèk dh lekfIr ij ,slh cSafdax daiuh
dk funs'kd gS] rks mls bl dkj.k mä rkjh[k dks viuk dk;ZHkkj fjä u fd;k gqvk le>k tk,xkA
bl èkkjk dk Li"Vhdj.k%
Ø ^_.k vFkok vfxze* esa ,slk dksbZ laO;ogkj 'kkfey ugha gksxk ftls Hkkjrh; fjtoZ cSad laO;ogkj dh ç—fr]
laO;ogkj ds dkj.k laHkkfor ns; jkf'k dh olwyh] pqukSrh ds <ax vkSj ifjfLFkfr;ksa] tekdrkZvksa ds fgr vkSj
vU; lac) [kkrksa dks è;ku esa j[krs gq,] lkekU; vFkok fo'ks"k vkns'k }kjk fofufnZ"V dj ldrk gS fd ;g bl
èkkjk ds ç;kstu ds fy, _.k vFkok vfxze ugha gS(
Ø ^funs'kd* dk rkRi;Z cSafdax daiuh }kjk Hkkjr esa xfBr fdlh funs'kd e.My vFkok lfefr ds lnL; ls gS tks
bldk çcaèk djus ds ç;kstu ds fy, gS vFkok blds lHkh ;k fdUgha ekeyksa ds çcaèku ds lacaèk esa ijke'kZ nsus ds
fy, gSA
5½ ;fn ;g ç'u iSnk gksrk gS fd dksbZ laO;ogkj bl èkkjk ds ç;kstu ls _.k ;k vfxze gS ;k ugha] rks ml ekeys dks
Hkkjrh; fjt+oZ cSad dks lanfHkZr fd;k tk,xk vkSj mldk fu.kZ; vafre ekuk tk,xk A
blds vfrfjä] daiuh vfèku;e] 1956 ls lacafèkr mi;Zqä çkoèkkuksa ds rgr fd, x, fdlh Hkh lanHkZ dks daiuh
vfèkfu;e] 2013 ds rgr çklafxd çkoèkkuksa ds vuqlkj fn;s x, lanHkksZa ds :i esa ekuk tk,xk A
cSaddkjh daiuh ¼ miØeksa dk vtZu vkSj varj.k½ vfèkfu;e ] 1970
erkfèkdkj ds lacaèk esa çfrcaèk%
èkkjk 3 ¼2bZ½ % rnuq:ih u, cSad dk dksbZ 'ks;jèkkjd] dsUæh; ljdkj ds vfrfjä vius }kjk èkkfjr fdUgha 'ks;jksa ds
fo"k; esa rnuq:ih u, cSad ds lHkh 'ks;jèkkjdksa ds dqy erkfèkdkj ds nl çfr'kr ls vfèkd erkfèkdkj dk ç;ksx
djus ds fy, gdnkj ugha gksxk A
funs'kd eaMy dk xBu%
èkkjk 9 ¼3½ ¼i½ % tgka iwath èkkjk 3 dh mièkkjk ¼2ch ½ ds [kaM ¼lh½ ds rgr tkjh dh x;h gS %&
d½ dqy pqdrk iwath ds lksyg çfr'kr ls vfèkd ugha gS] rks ,d funs'kd
[k½ lksyg çfr'kr ls vfèkd ijarq dqy pqdrk iwath ds cÙkhl çfr'kr ls vufèkd] nks funs'kd
x½ dqy pqdrk iwath ds cÙkhl çfr'kr ls vfèkd gS] rks rhu funs'kd dsUæh; ljdkj ls brj 'ks;jèkkjdksa }kjk vius
esa ls pqus tk,axs A
c'krZs fd bl [kaM ds rgr fdlh ,sls funs'kd ds pquko ds ckn dk;ZHkkj xzg.k djus ij] [kaM ¼,p½ ds rgr ukfer
mrus gh funs'kd bl çdkj lsokfuo`Ùk gksaxs] tSls fd ;kstuk esa fofufnZ"V fd;k x;k gSA

17
;g Hkh çkoèkku gS fd cSaddkjh daiuh ¼miØeksa dk vfèkxzg.k ,oa varj.k½ rFkk foÙkh; laLFkku dkuwu ¼la'kksèku½
vfèkfu;e] 2006 ds çkjaHk ij ;k mlls igys fuokZfpr funs'kdksa fd la[;k] rnuq:i u;s cSad esa mi & [kaM¼i½] ;k
mi& [kaM ¼ii½ ;k mi & [kaM ¼iii½] tSls Hkh ekeyk gks] esa fofufnZ"V funs'kdksa dh la[;k ls c<+ tkrh gS rks ,sls çkjaHk ls
igys fuokZfpr ,sls vfrfjä la[;k ds funs'kd] ;kstuk esa n'kkZ, x, rjhds ls lsokfuo`Ùk gksaxs vkSj ,sls funs'kd vius
dk;Znkf;Roksa ls le;iwoZ lsokfuo`fÙk ds dkj.k fdlh {kfriwfrZ ds nkos ds ik= ugha gksaxsA
èkkjk 9 ¼3 ,½ % mä [kaM¼ i½ ds rgr fuokZfpr fd, tkus okys funs'kd %
d- fuEufyf[kr esa ls fdlh ,d ;k vf/kd fo"k;¼;ksa½ esa fo'ks"k Kkrk ;k vuqHkoh gksuk pkfg, %
i- —f"k ,oa xzkeh.k vFkZO;oLFkk
ii- cSafdax
iii- lgdkfjrk
iv- vFkZO;oLFkk
v- foÙk
vi- dkuwu
vii- y?kq Lrj m|e
viii- ;k vU; fdlh fo"k; dk fo'ks"k Kku vkSj vuqHko tksfd Hkkjrh; fjtoZ cSad ds fopkj ls cSad ds fy, mi;qä
gksxkA
¼vkjchvkbZ us fnukad 24 uoacj] 2016 ds vius ifji= la[;k Mhchvkj-,ihihVh-chlh-la[;k-39@29-39-001@2016
o 2017 ds ek/;e ls fuEu {ks=ksa dks 'kkfey djus ds fy, fo'ks"kKrk {ks= esa foLrkj fd;k gS & ¼i½ lwpuk çkS|ksfxdh
¼ii½ Hkqxrku vkSj fuiVku ç.kkyh ¼iii½ ekuo lalk/ku ¼iv½ tksf[ke çca/ku vkSj ¼v½ O;olk; çca/ku rkfd cSadksa esa
funs'kd dh fu;qfä gsrq bu {ks=ksa ls lacaf/kr O;fä;ksa ij fopkj fd;k tk ldsA
[k½ tekdrkZvksa ds fgrksa dk çfrfufèkRo djrs gksa( vFkok
x½ fdlkuksa] dkexkjksa ,oa f'kYidkjksa ds fgrksa dk çfrfufèkRo djrs gksa
èkkjk 9 ¼3 ,,½ % mi&èkkjk 3 ¼,½ ds çkoèkku ij çfrdwy çHkko Mkys fcuk vkSj vfèkfu;e esa fufgr vU; dkuwu esa
fojksèkkHkkl gksus ds ckotwn] mi&èkkjk¼3½ ds [kaM ¼i½ ds rgr dksbZ Hkh O;fä funs'kd ds :i esa fuokZfpr gksus ds fy,
ik= ugha gksxk tc rd og VªSd fjd‚MZ] v[kaMrk vkSj bl lacaèk esa Hkkjrh; fjt+oZ cSad }kjk le;&le; ij lwfpr
bl rjg ds vU; ekunaMksa ds vkèkkj ij 'mi;qä ,oa mfpr' fLFkfr okyk O;fä ugha gS A
èkkjk 9 ¼3,ch½ % Hkkjrh; fjt+oZ cSad Hkh mi&èkkjk 3 ¼,,½ ds rgr tkjh vfèklwpuk esa çkfèkdj.k dks 'mi;qä ,oa
mfpr' fLFkfr dk fuèkkZj.k djus] bl rjg ds fuèkkZj.k dk rjhdk] ,sls fuèkkZj.k dk ikyu fd, tkus okyh çfØ;k ,sls
fuèkkZj.k vkSj ,sls vU; ekeyksa ds fy, ftUgsa vko';d ;k vkdfLed mipkj ekuk tk ldrk gS ds fy, fufnZ"V dj
ldrk gS A
èkkjk 9 ¼3 ch½ % tgka fjtoZ cSad ds fopkj esa mi&èkkjk ¼3½ ds [kaM ¼i½ ds rgr pqus x, fdlh Hkh rRlacafèkr cSad ds
fdlh Hkh funs'kd }kjk mi&èkkjk ¼3 ,½ vkSj ¼3 ,,½ dh vis{kkvksa dks iwjk ugha fd;k tkrk gS] cSad dks viuh ckr j[kus
dk mfpr volj nsus ds ckn vkns'k }kjk ,sls funs'kd gVk;k tk ldrk gS vkSj bl rjg ds fu"dklu ij] funs'kd
eaMy fdlh vU; O;fä dks mi&èkkjk ¼3 ,½ ,oa ¼3 ,,½ dh vko';drk dks iwjk dj ml O;fä dks gVk, x, funs'kd
ds LFkku ij funs'kd cuus dk fodYi çnku djsxk tc rd fdlh funs'kd dks vxyh okf"kZd vke cSBd esa
rRlacafèkr cSad ds 'ks;jèkkjdksa }kjk fofèkor fuokZfpr ugha fd;k tkrk gS vkSj rc rd pqus x, O;fä dks rRlacafèkr
cSad ds 'ks;jèkkjdksa }kjk fofèkor :i ls pquk x;k funs'kd ekuk tk,xkA
fu"Bk vkSj xksiuh;rk dk nkf;Ro %
èkkjk 13 ¼2½% çR;sd funs'kd] fdlh LFkkuh; cksMZ ;k lfefr dk lnL;] ;k ys[kk ijh{kd] lykgdkj] vfèkdkjh ;k
rRlacafèkr cSad ds vU; deZpkjh dk;ZHkkj xzg.k djus ls iwoZ] rhljh vuqlwph esa fuèkkZfjr çi= esa fu"Bk vkSj xksiuh;rk
dh ?kks"k.kk djsaxsA

18
jk"Vªh;—r cSad ¼çca/ku ,oa fofo/k çko/kku½ ;kstuk] 1970
fuokZfpr funs'kd ds in dh vof/k %
[k.M 9 ¼4½ %
fuokZfpr funs'kd rhu o"kksaZ ds fy, in /kkj.k djsxk vkSj iqu% fuokZpu ds fy, ik= gksxkA c'krsZ fd ,slk dksbZ Hkh
funs'kd Ng lky ls vf/kd dh vof/k ds fy, yxkrkj in /kkj.k ugha djsxkA
funs'kdksa dh v;ksX;rk %
[k.M 10 %
fdlh O;fä dks funs'kd ds :i esa fu;qä gksus ds fy, v;ksX; ?kksf"kr fd;k tk,xk %&
i) ;fn mls fdlh Hkh le; fnokfy;k ?kksf"kr dj fn;k x;k gS ;k mlus Hkqxrku fuyafcr dj fn;k gS ;k vius
ysunkjksa ds lkFk le>kSrk dj fy;k gS ;k
ii) vxj og fnekxh rkSj ij vlarqfyr gSa vkSj ,d l{ke vnkyr }kjk ,slk ?kksf"kr fd;k x;k gS ;k
iii) ;fn mls vuSfrdrk ds vk/kkj fdlh vijk/k ds vkijkf/kd U;k;ky; }kjk nks"kh Bgjk;k x;k gS ;k
iv) ;fn og fdlh Hkh jk"Vªh;—r cSad esa ;k Hkkjrh; LVsV cSad vf/kfu;e]1955 dh /kkjk 3 dh mi&/kkjk ¼1½ ds rgr
Hkkjrh; LVsV cSad esa ;k Hkkjrh; LVsV cSad ¼lfClfM;jh cSad½ vf/kfu;e] 1959 dh /kkjk 3 esa ifjHkkf"kr fdlh Hkh
vuq"kaxh cSad ds flok; vf/kfu;e dh /kkjk 9 dh mi&/kkjk ¼3½ ds varxZr [kaM ¼bZ½ o ¼,Q½ ds vuqlkj çca/k
funs'kd vkSj funs'kdksa lfgr iw.kZdkfyd funs'kd ds vfrfjä dksbZ ykHk dk in /kkj.k djrk gS
funs'kdksa ds in dh fjfä %
[k.M 11 %
1- ;fn dksbZ funs'kd [kaM 10 esa fufnZ"V fdlh Hkh vik=rk ds vuqlkj v;ksX; ik;k tkrk gS ;k cksMZ dh Nqêh ds
fcuk yxkrkj rhu ls vf/kd cSBdksa ds fy, vuqifLFkr jgrk gS] rks ,slk ekuk tk,xk fd mlus in R;kx dj
fn;k gS vkSj mlds ckn mldk in fjä gks tk,xkA
2- v/;{k ;k çca/k funs'kd ;k funs'kd lfgr ,d iw.kZdkfyd funs'kd] tks vf/kfu;e dh /kkjk 9 dh mi/kkjk 3 ds
rgr [kaM ¼ch½ ;k [kaM ¼lh½ ;k [kaM ¼Mh½ esa fufnZ"V gS] dsaæ ljdkj dks fyf[kr :i esa uksfVl nsdj vius in ls
bLrhQk ns ldrk gS vkSj ljdkj }kjk bLrhQk Lohdkj fd, tkus ij ;g ekuk tk,xk fd mlus viuk in R;kx
dj fn;k gS vkSj dksbZ vU; funs'kd dsaæ ljdkj dks fyf[kr :i ls uksfVl nsdj vius dk;kZy; ls bLrhQk ns
ldrk gS vkSj bl rjg dk bLrhQk dsaæ ljdkj }kjk bLrhQs dh lwpuk çkfIr ij çHkkoh gksxkA
3- iwoZxkeh mi&[kaM ds çko/kku ij dksbZ çfrdwy çHkko Mkys fcuk] vf/kfu;e dh /kkjk 9 dh mi&/kkjk 3 ds [kaM
¼bZ½ ;k [kaM ¼,Q½ esa fufnZ"V fdlh funs'kd dk dk;Zdky ;k jk"Vªh;—r cSad ds deZpkjh ds vykok] ftlds os
funs'kd gSa ds in lekfIr ds lkFk gh funs'kd dk in lekIr gks tk,xkA
4- tgka fdlh fuokZfpr funs'kd ds vykok fdlh funs'kd ds dk;kZy; esa dksbZ fjfä gksrh gS] og vf/kfu;e
dh /kkjk 9 dh mi&/kkjk ¼3½ ds vuqlkj Hkjh tk,xhA
fuokZfpr funs'kd dks in ls gVk;k tkuk
[k.M 11, %
dsaæ ljdkj ds vfrfjä vU; 'ks;jèkkjd] ,sls 'ks;jèkkjdksa }kjk èkkfjr dqy 'ks;j iwath dh de ls de vkèkh iwath dks
èkkfjr djus okys 'ks;jèkkjdksa ds cgqer ls ,d ladYi ikl djds èkkjk 9 dh mièkkjk ¼3½ ds [kaM¼i½ ds varxZr pqus x,
fdlh Hkh funs'kd dks gVk ldrs gSa vkSj fjfä dks Hkjus ds fy, fdlh vU; O;fä dk pquko dj ldrs gSaA

19
fuokZfpr funs'kd ds fjä in dks Hkjuk
[k.M 11ch %
1- tgka fdlh fuokZfpr funs'kd ds in dh vofèk lekIr gksus ls igys dksbZ fjfä mRiUu gksrh gS] ogk¡ fjä in
fuokZpu }kjk Hkjk tk,xkA
c'krZs fjfä dh vofèk Ng eghus ls de gksus dh laHkkouk gS] fjfä 'ks"k funs'kdksa }kjk Hkjh tk ldrh gSA
2- mi [kaM ¼1½ ds rgr fuokZfpr ;k mi&fuokZfpr O;fä] tSlk Hkh ekeyk gks] vius iwoZorÊ ds in dh 'ks"k
le;kofèk ds fy, inèkkj.k djsxkA
funs'kdksa }kjk fgrksa dk çdVhdj.k % [kaM 12 ¼8½
dksbZ funs'kd tks çR;{k ;k vçR;{k :i ls lac) gS ;k fdlh vuqcaèk] _.k] O;oLFkk ;k çLrko esa #fp j[krk gS ;k
jk"Vªh;—r cSad dh vksj ls ntZ djk, tkus ds fy, çLrkfor gS ;k çLrkfor fd;k x;k gS] çklafxd ifjfLFkfr;ksa ds
ckn vius laKku esa vkus ij ftruh tYnh gks lds cksMZ ds çfr viuh #fp dh çdkj dks Li"V djsxk vkSj rc rd
cksMZ dh cSBd esa mifLFkr ugha gksxk tc rd ,sls vuqcaèk] _.k] O;oLFkk ;k çLrko ij ppkZ dh tkrh gS tc rd fd
mldh mifLFkfr vU; funs'kdksa }kjk tkudkjh çkIr djus ds mís'; ls vko';d u gks vkSj fdlh funs'kd dk bl
rjg ds fdlh Hkh vuqcaèk] _.k] O;oLFkk ;k çLrko ij ernku djuk vko';d gksxk %
c'krZs bl mi&[kaM esa fufgr dqN Hkh ,sls funs'kd ij dsoy blhfy, ykxw ugha gksxk] ;fn og %
i- daiuh vfèkfu;e] 1956 ¼1956 dk 1½ esa ifjHkkf"kr fdlh lkoZtfud daiuh ;k rRle; Hkkjr esa fdlh dkuwu ds
}kjk ;k vèkhu LFkkfir fuxe ;k fdlh lgdkjh lfefr] ftlds lkFk jk"Vªh;—r cSad us dksbZ djkj] _.k] O;oLFkk ;k
çLrko fd;k ;k ,slk dqN fd;k tkuk çLrkfor gS ] eSa mldh pqdrk iwath dk 2 çfr'kr ls vfèkd dk èkkj.k djrk gks
A
ii- jk"Vªh;—r cSad dk dksbZ vfèkdkjh ;k vU; deZpkjh] ;fn og vfèkfu;e dh èkkjk 9 dh mièkkjk ¼3½ ds [kaM ¼bZ½ ;k
[kaM ¼,Q½ esa fufnZ"V funs'kd gSA
bafM;u cSad ¼'ks;j ,oa cSBdsa½ fofu;e] 1999] ;Fkk la'kksfèkr ds vuqlkj]
la;qä èkkjdksa ds vfèkdkjksa dk ç;ksx %
fofu;eu 10 %
;fn dksbZ 'ks;j nks ;k nks ls vfèkd O;fä;ksa ds uke ij gS] rks igys jftLVj esa ukfer çFke èkkjd gh 'ks;jksa ds
gLrkarj.k dks NksM+dj] ernku] ykHkka'k dh çkfIr] uksfVl dk fu"iknu ,oa bafM;u cSad ls tqM+s vU; ekeyksa gsrq
,dek= èkkjd ekuk tk,xk A
vke cSBd esa pqus tkus okys funs'kd % fofu;eu 55 %
i. iath—r 'ks;jèkkjdksa] dsaæ ljdkj ds vykok] }kjk mUgha esa ls fdlh ,d dks vfèkfu;e dh èkkjk 9 dh mi&èkkjk
3 ds [kaM ¼i½ ds rgr ,d funs'kd] fuokZfpr fd;k tk,xk A
ii. tgka funs'kd dk pquko fdlh Hkh vke cSBd esa gksuk gS] ogk¡ cSBd dh lwpuk nsus okys uksfVl dks cSBd esa
'kkfey fd;k tk,xkA ,sls çR;sd uksfVl esa fuokZfpr fd, tkus okys funs'kdksa dh la[;k fufnZ"V dh tk,xh
vkSj pquko ds fy, fjfä;ksa dk fooj.k fn;k tk,xkA
'ks;jèkkjdksa dh lwph %
fofu;eu 56 %
I- bu fofu;eksa ds fofu;eu 55 ds mi&fu;eu ¼i½ ds rgr fdlh funs'kd ds pquko gsrq mu iath—r
'ks;jèkkjdksa dh lwph rS;kj dh tk,xh ftuds }kjk funs'kd dk pquko fd;k tkuk gS
ii- bl lwph esa 'ks;jèkkjdksa ds uke] muds iath—r irs] muds }kjk èkkfjr 'ks;jksa dh la[;k o iath—r dh xbZ
fnukad ij 'ks;jksa dh la[;k vkSj oksVksa dh la[;k ftlds fy, os pquko gsrq cSBd dh r; rkjh[k ij gdnkj

20
 gksaxs] ;g lwph cSBd dh fuèkkZfjr rkjh[k ls de ls de rhu lIrkg igys çèkku dk;kZy; dks vkosnu Hksts tkus
ij] cksMZ ;k çcaèk lfefr }kjk fuèkkZfjr ewY; ij miyCèk djkbZ tk,xh A
fuokZpu ds fy, vH;fFkZ;ksa dk ukekadu %
fofu;eu 57 %
i- funs'kd ds :i esa pquko ds fy, vH;FkÊ dk dksbZ Hkh ukekadu rc ekU; gksxk tc rd fd]
d½ og bafM;u cSad esa de ls de 100 ¼,d lkS½ 'ks;jksa dk èkkjd gksA
[k½ og ukekadu çkIr djus dh vafre frfFk ij] vfèkfu;e ;k ;kstuk ds rgr funs'kd in ds fy, v;ksX; ugha gSA
x½ mlus vius ikl j[ks cSad ds 'ks;jksa ds lacaèk esa lHkh ekaxksa pkgs og ,dy gks ;k nwljksa ds lkFk la;qä :i ls]
ekax ds Hkqxrku ds fy, fuèkkZfjr vafre frfFk ls igys ;k mlls igys] dk Hkqxrku fd;k gS(
?k½ ;g ukekadu vfèkfu;e ds rgr funs'kdksa dk p;u djus ds fy, ik= de ls de lkS 'ks;jèkkjdksa }kjk
gLrk{kfjr fyf[kr :i ls ;k muds fofèkor fu;qä odhy }kjk gLrk{kfjr gS] c'krZs ukekadu djus okyk
'ks;jèkkjd ;fn daiuh gks rks ;g ukekadu daiuh ds funs'kdksa }kjk ikfjr ladYi ls fd;k tk, ftl cSBd esa
;g ladYi ikfjr gqvk gS ml cSad ds vè;{k }kjk gLrk{kfjr bl ladYi dh çekf.kr ewy çfr dks cSad ds
çèkku dk;kZy; dks Hkst fn;k tk,xk vkSj bl rjg dh çfr dks daiuh dh vksj ls ukekadu ekuk tk,xkA
p½ ukekadu esa U;k;kèkh'k] eftLVªsV] v'kqjsal jftLVªkj ;k ds mi&jftLVªkj ;k vU; jktif=r vfèkdkjh ;k
Hkkjrh; fjtoZ cSad ;k fdlh jk"Vªh;—r cSad ds fdlh vfèkdkjh ds le{k mEehnokj }kjk gLrk{kfjr ?kks"k.kk
'kkfey gksuh pkfg,] fd og ukekadu Lohdkj djrk gS vkSj fuokZpu esa çfrHkkfxrk dk bPNqd gS vkSj ;g fd
og vfèkfu;e ;k ;kstuk ;k bu fofu;eksa ds rgr funs'kd gksus ds fy, v;ksX; ugha gSA
ii- dksbZ Hkh ukekadu rc rd ekU; ugha gksxk tc rd fd og lHkh lacafèkr nLrkostksa tks lHkh rjg ls iw.kZ u gks
vkSj cSBd ds fy, r; dh xbZ rkjh[k ls de ls de pkSng fnu igys bafM;u cSad ds çèkku dk;kZy; esa çkIr
ugha fd;k x;k gksA
ukekadu dh tkap % fofu;eu 58 %
i- ukekadu dh çkfIr ds fy, fuèkkZfjr frfFk ds ckn çFke dk;Z fnol ij ukekadu dh tkap dh tk,xh vkSj ;fn
dksbZ ukekadu oSèk ugha ik;k tkrk gS] rks mlds dkj.k dks ntZ djus ds ckn mls [kkfjt dj fn;k tk,xkA
;fn pquko }kjk Hkjs tkus okys fdlh fo'ks"k in ds fy, dsoy ,d gh ekU; ukekadu gS] rks ukekafdr
mEehnokj dks fuokZfpr ekuk tk,xk vkSj mldk uke vkSj irk fuokZfpr :i esa çdkf'kr fd;k tk,xkA bl
rjg ds vk;kstu esa bl mís'; ds fy, cqykbZ xbZ cSBd esa dksbZ pquko ugha gksxk vkSj ;fn cSBd dks iwokZsä
pquko ds mís'; ls iwjh rjg ls cqyk;k x;k Fkk] rks bls jí dj fn;k tk,xkA
ii- pquko gksus dh fLFkfr esa] ;fn oSèk ukekadu] fuokZfpr gksus okys funs'kdksa dh la[;k ls vfèkd gS] rks vfèkdka'k
er ikus okys vH;FkÊ dks fuokZfpr ekuk tk,xkA
iii- ekStwnk fjfä dks Hkjus ds fy, pqus x, ,d funs'kd dks ml rkjh[k ls inHkkj xzg.k le>k tk,xk] ftl fnu
og fuokZfpr ekuk tkrk gSA
fuokZpu fookn %
fofu;eu 59 %
i. ;fn fuokZfpr ekus x, ;k fuokZfpr ?kksf"kr fd, tkus okys dh ;ksX;rk ;k v;ksX;rk ij ;k funs'kd ds
fuokZpu dh oSèkrk ij dksbZ lansg ;k loky mBrk gS rks ml fLFkfr esa vH;FkÊ cuus dk bPNqd dksbZ O;fä ;k
bl fuokZpu esa ernku dk gdnkj dksbZ 'ks;j èkkjd pquko ds ifj.kke dh ?kks"k.kk dh rkjh[k ds lkr fnuksa ds
Hkhrj] cSad ds vè;{k vkSj çcaèk funs'kd dks fyf[kr :i esa ns ldrk gS vkSj mä lwpuk esa iw.kZ fooj.k fn;k
tk, ftlds vkèkkj ij og pquko dh oSèkrk ij lansg ;k fookn mRiUu djrk gSA
ii- mi&fu;eu ¼i½ ds varxZr] vè;{k ,oa çcaèk funs'kd ;k mudh vuqifLFkfr esa] cSad ds dk;Zikyd funs'kd bl
lansg ;k fookn dks lacfUèkr lfefr ftlesa vè;{k ,oa çcaèk funs'kd gksaxs ;k mudh vuqifLFkfr esa dk;Zikyd
funs'kd ,oa vfèkfu;e dh èkkjk 9 dh mièkkjk ¼3½ ds [kaM¼[k½ o ¼x ½ ds rgr ukekafdr dksbZ nks funs'kd gksaxs]
ds le{k fu.kZ; fy, tkus gsrq çLrqr djsaxs A

21
iii- mi&fu;eu ¼ii½ esa mfYyf[kr lfefr ;g tkap djsxh D;ksafd ;g cgqr vko';d gS vkSj ;fn ;g irk pyrk
gS fd pquko ,d oSèk pquko Fkk] rks ;g pquko ds ?kksf"kr ifj.kkeksa dh iqf"V djsxh] ;k ;fn ;g ikrk gS fd ,d
oSèk pquko ugha gqvk Fkk rc ;g tkap 'kq: gksus ds rhl fnuksa ds Hkhrj] ifjfLFkfr;ksa dks ns[krs gq, u, pquko
djkus dk vkns'k vkSj funZs'k nsxhA
iv- bl fofu;eu ds vuqlj.k esa ,slh lfefr dk vkns'k vkSj funZs'k fu.kkZ;d gksxkA
'ks;jèkkjdksa ds ernku vfèkdkj %
fofu;eu 60 %
ernku ds vfèkdkj dk fuèkkZj.k %
i. vfèkfu;e dh èkkjk 3 ¼2 bZ½ esa fufgr çkoèkkuksa ds vèkhu] çR;sd 'ks;jèkkjd tks lkekU; cSBd dh rkjh[k ls
igys jftLVj çfof"V ds can gksus dh rkjh[k ij ,d 'ks;jèkkjd ds :i esa iath—r fd;k x;k gS] mls bl
rjg dh cSBd esa gkFk mBkdj ernku fd, tkus dh fLFkfr esa og dsoy ,d er dk èkkjd gksxkA
ii. vfèkfu;e dh èkkjk 3 ¼2 bZ½ esa fufgr çkoèkkuksa ds vèkhu] çR;sd 'ks;jèkkjd tks mijksä ds vkèkkj ij oksV nsus
dk vfèkdkjh gS ;fn og daiuh ugha gS] O;fäxr :i esa ;k ç‚Dlh ds ekè;e ls ekStwn gS ;k tks daiuh gksus ds
ukrs fofèkor vfèk—r çfrfufèk ;k ç‚Dlh ds :i esa ekStwn gS] os gkFk mBkdj ernku fd, tkus dh fLFkfr esa
dsoy ,d er dk èkkjd gksaxs rFkk ernku fd, tkus dh fLFkfr esa mi fu;eu¼i½ ds vuqlkj çR;sd 'ks;j ij
,d er dk èkkjd gksxk A
Li"Vhdj.k& bl vè;k; esa] "daiuh" dk vFkZ dksbZ Hkh c‚Mh d‚ikZsjsV gSA
,d vke cSBd esa Hkkx ysus vkSj ernku djus ds gdnkj cSad ds 'ks;jèkkjd fdlh vU; O;fä ¼pkgs og
'ks;jèkkjd gks ;k ugha½ dks mlds ctk; mifLFkr gksus vkSj ernku djus ds fy, vius ç‚Dlh ds :i esa
fu;qä djus dk gdnkj gksxk( ysfdu fu;qä fd, x, ç‚Dlh dks cSBd esa cksyus dk dksbZ vfèkdkj ugha
gksxkA
fofèkor vfèk—r çfrfufèk }kjk ernku %
fofu;eu 61%
i- ,d 'ks;jèkkjd] dsaæ ljdkj ;k daiuh gksus ds ukrs] fdlh ladYi }kjk] tSlk fd ekeyk gks ldrk gS] vius
fdlh Hkh vfèkdkjh ;k fdlh vU; O;fä dks 'ks;jèkkjdksa dh fdlh Hkh lkekU; cSBd esa vius çfrfufèk ds :i
esa dk;Z djus ds fy, vfèk—r djrk gS vkSj og vfèk—r ¼bu lanfHkZr fofu;eksa esa "fofèkor vfèk—r
çfrfufèk" ds :i esa mfYyf[kr½ dsaæ ljdkj ;k daiuh dh vksj ls mUgha 'kfä;ksa dk ç;ksx djus dk gdnkj
gksxk ftudk og çfrfufèkRo djrk gS] pkgs og cSad dk ,d O;fäxr 'ks;jèkkjd gh gksA vfèkdj.k fodYi nks
O;fä;ksa ds i{k esa gks ldrk gS vkSj ,sls ekeys esa dksbZ Hkh O;fä dsaæ ljdkj @ daiuh ds fofèkor vfèk—r
çfrfufèk ds :i esa dk;Z dj ldrk gSA
ii- dksbZ Hkh O;fä daiuh ds fofèkor vfèk—r çfrfufèk ds :i esa cSad ds 'ks;jèkkjdksa dh fdlh Hkh cSBd esa Hkkx
ugha ysxk ;k ernku ugha djsxk] tc rd fd mls fofèkor vfèk—r çfrfufèk ds :i esa fu;qä djus okyk
ladYi ftl cSBd esa ikfjr fd;k x;k gks ml vè;{k ds }kjk çekf.kr ewy u gks rFkk bls bls cSBd dh fu;r
frfFk ls pkj fnu iwoZ cSad ds çeq[k dk;kZy; esa çLrqr fd;k x;k gks A
ç‚Dlh
fofu;eu 62%
I. ç‚Dlh dh dksbZ Hkh fy[kr rc rd oSèk ugha gksxh] tc rd oS;fäd 'ks;jèkkjdksa ds ekeysa esa 'ks;jèkkjd ;k
mlds vVuÊ }kjk fyf[kr :i esa fofèkor~ çkfèk—r ugha fd;k tkrk gS ;k la;qäèkkjdksa ds ekeys esa jftLVj esa
çFkd~ ukfer 'ks;jèkkjd ;k muds }kjk fyf[kr :i ls fofèkor~ çkfèk—r vVuÊ }kjk gLrk{kfjr fd;k tkrk gS
;k fuxZfer fudk; ds ekeys esa mlds vfèkdkjh ;k fyf[kr esa fofèkor~ çkfèk—r fdlh vVuÊ }kjk gLrk{kj
fd, tkrs gSA

22
 c'krZsa ç‚Dlh dh fy[kr fdlh 'ks;jèkkjd }kjk tks fdlh dkj.ko'k viuk uke ugha fy[k ldrk@ldrh gS
rks ;fn mldk fpà @ fu'kku ml ij yxk;k tkrk gS vkSj fdlh tt] eftLVªsV] jftLVªkj ;k ,';wjsal lc
jftLVªkj ;k vU; ljdkjh jktif=r vfèkdkjh ;k bafM;u cSad ds vfèkdkjh }kjk gLrk{kfjr fd;k tkrk gS rks
mls i;kZIr :i ls gLrk{kfjr ekuk tk,xkA
II. dksbZ Hkh ç‚Dlh rc rd cSèk ugha gksxh tc rd ml ij fofèkor~ :i ls eqgj u gks vkSj bl lacaèk esa bldh ,d
çfr cSad ds çèkku dk;kZy; ;k cSad }kjk vfèklwfpr fdlh vU; LFkku ij cSBd ds fy, r; frfFk ls de ls
de pkj fnu iwoZ eq[rkjukes ;k vU; çkfèkdkj ds lkFk (;fn dksbZ gks ½ ftlds varxZr og gLrk{kfjr gks ;k
eq[rkjukes ;k vU; çkfèkdkj dh çfr tks fd fdlh uksVjh ifCyd ;k eftLVªsV }kjk lR; çfr ds :i esa
çekf.kr fd;k x;k gks tc rd fd ,slk eq[rkjukek ;k vU; çkfèkdkjh }kjk igys gh tek fd;k x;k gks vkSj
cSad ds lkFk iath—r fd;k x;k gksA
III. ç‚Dlh dh dksbZ Hkh fy[kr rc rd ekU; ugha gksxh] tc rd og çi= "ch" esa u gks A
IV. cSad ds ikl tek dh xbZ ç‚Dlh dh fy[kr vifjorZuh; vkSj vafre gksxhA
V. nks vuqnkudrkZvksa ds i{k esa oSdfYid :i esa nh xbZ ç‚Dlh dh fy[kr ds ekeysa esa ,d ls vfèkd QkeZ
fu"ikfnr ugha fd, tk,xsaA
VI. ,sls 'ks;jèkkjd ftUgksusa ç‚Dlh dh fy[kr fu"ikfnr dh gks] lacafèkr cSBd esa ftlesa ,slh fy[kr lacafèkr gks
O;fäxr :i ls ernku djus ds fy, gdnkj ugha gksxsaA
VII. ,sls fdlh O;fä dks fofèkor çkfèk—r çfrfufèk ;k ,d ç‚Dlh ds :i esa fu;qä ugha fd;k tk,xk tks fd
bafM;u cSad dk vfèkdkjh ;k deZpkjh gksA
VIII. ç‚Dlh Q‚eZ esa lHkh ifjorZu fofèkor :i ls çkfèk—r gksus pkfg,A

Hkkjrh; fjt+oZ cSad (ih,lch,l ds cksMZ esa pqus x, funs'kdksa ds fy, "mi;qä ,oa mfpr" ekin.M½
fn'kk&funZs'k] 2019:
Hkkjrh; fjt+oZ cSad (vkjchvkbZ½ us viuh vfèklwpuk la[;k vkjchvkbZ @ Mhchvkj @ 2019&20 @ 71 ekLVj
fn'kk&funZs'k Mhchvkj ,IV uacj: 9 @ 29-67-001 @ 2019&20 fnukafdr 02 vxLr] 2019 }kjk cSafdax daifu;ksa
(miØeksa dk vfèkxzg.k vkSj gLrkarj.k½ vfèkfu;e 1970@1980 dh èkkjk 9 dh mi&èkkjkvksa (3 ,,½ ds rgr çnÙk
vfèkdkjksa dk ç;ksx djrs gq, Hkkjrh; fjtoZ cSad dh (mi;qä ,oa mfpr½ ih,lch ds cksMksZa ij fuokZfpr funs'kdksa ds
fy, ekunaM½ fn'kk&funZs'k] 2019 vfèklwfpr dj fn;s gSA
Hkkjrh; fjtoZ cSad ds fn'kk&funZs'kksa dh eq[; fo'ks"krk,%&
Þmi;qä ,oa mfprß fLFkfr vkfn dks fuèkkZfjr djus okys çkfèkdkjh]çfØ;k ,oa ekin.M fuEukuqlkj gS%&
¼d½ çkfèkdkj
lHkh cSadksa dks ,d ukekadu vkSj ikfjJfed lfefr dk xBu djuk vko';d gS (blds ckn ls lfefr ds :i esa
lanfHkZr fd;k tk,xk½ ftlds funs'kd eaMy esa de ls de rhu xSj&dk;Zdkjh funs'kd 'kkfey gksa [ckn esa cksMZ ds
:i esa lanfHkZr, ftlesa de ls de vkèks Lora= funs'kd gksaxs vkSj cksMZ ds tksf[ke çcaèku lfefr ds de ls de ,d
lnL; dks cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vfèkfu;e] 1970@1980 dh èkkjk 9 dh mièkkjk (3½ ds
[kaM ds rgr funs'kd ds :i esa pqus tkus ds fy, O;fä;ksa ds 'mfpr vkSj mi;qä' ds fuèkkZj.k gsrq mfpr çfØ;k dks
pykus ds fy, 'kkfey fd;k tkuk pkfg,A Hkkjr ljdkj ukfer funs'kd vkSj cSaddkjh daiuh (miØeksa dk vtZu
vkSj varj.k½ vfèkfu;e] 1970@1980 èkkjk 9 (3½ (x½ ds rgr ukfer funs'kd lfefr dk fgLlk ugha gksaxsA cSad ds
xSj&dk;Zdkjh vè;{k lfefr ds lnL; gks ldrs gSa ijUrq lfefr ds vè;{k ughaA cksMZ muds chp ls fdlh ,d dks
lfefr dk vè;{k ukfer djsxhA dksje iwjk djus ds fy, vè;{k lfgr rhu dh vko';drk gSA fdlh Hkh ukfer
lnL; dh vuqifLFkfr esa dksje iwjk djus ds fy,] cSBd ds fy, muds LFkku ij fdlh vU; xSj&dk;Zdkjh funs'kd
dks cksMZ ukfer dj ldrk gSA lfefr ds xBu ds le;] cksMZ vius dk;Zdky ij fu.kZ; ys ldrk gSA

23
¼[k½ ç.kkyh vkSj çfØ;k
p;u ds fy, ukekadu nkf[ky djus okys O;fä;ksa ls cSadksa dks vko';d tkudkjh] vkSj ,d ?kks"k.kk vkSj opu i=
layXu çk:i esa (vuqyXud 1½ çkIr djuk gksxkA lfefr ukekadu dh Loh—fr ds fy, fuèkkZfjr vafre frfFk ds ckn
cSBd djsxh vkSj uhps fn, x, ekunaMksa ds vkèkkj ij O;fä dh mEehnokjh dks Lohdkj fd;k tkuk pkfg, ;k ugha]
fuèkkZfjr djsxhA lfefr dh ppkZ dks cSBd ds vkSipkfjd dk;Zo`Ùk ds :i esa ntZ fd;k tk,xk vkSj ;fn ernku fd;k
tkrk gS] rks ;g Hkh uksV fd;k tk,xkA gLrk{kfjr ?kks"k.kk esa çnku dh xbZ tkudkjh ds vkèkkj ij] lfefr mEehnokjh
dh Loh—fr ;k vU;Fkk ij fu.kZ; ysxh vkSj tgka vko';d gks] mi;qä çkfèkdkjh@ O;fä;ksa dks lanfHkZr djsxk fd
n'kkZ, x, vko';drkvksa ds vuq:i mEehnokjh gSA
¼x½ ekunaM
lfefr ;gka mfYyf[kr O;kid ekunaMksa ds vkèkkj ij çLrkfor mEehnokjksa dh 'mfpr vkSj mi;qä' fLFkfr dk
fuèkkZj.k djsxh:
I. vk;q& p;u ds fy, ukekadu tek djus dh fuèkkZfjr frfFk ds vuqlkj mEehnokj dh vk;q 35 ls 67 o"kZ ds chp
gksuh pkfg,A
II. 'kS{kf.kd ;ksX;rk & mEehnokj de ls de Lukrd gksuk pkfg,A
III. vuqHko vkSj fo'ks"kKrk dk {ks= & mEehnokj dks Hkkjrh; fjt+oZ cSad ds fnukad 24 uoacj 2016 ds ifji=
Mhchvkj-,ihihVh-chlh la-39@29-39-001@2016&17 ds lkFk ifBr cSaddkjh daiuh (miØeksa dk vtZu vkSj
varj.k½ vfèkfu;e] 1970@1980 dh èkkjk 9 (3d½(d½esa mfYyf[kr vuqlkj ,d ;k vfèkd ekeyksa ds lacaèk esa]
tSlk Hkh ekeyk gks] fo'ks"k Kku ;k O;kogkfjd vuqHko gksA
IV. v;ksX;rk % jk"Vªh;—r cSadksa (çcaèku vkSj fofoèk çkoèkku½] 1970@80 ;kstuk ds [kaM 10 ^funs'kdksa dh
v;ksX;rk* ds vykok %
¼d½ mEehnokj fdlh Hkh cSad ;k fjt+oZ cSad ;k foÙkh; laLFkku (,QvkbZ½ ;k chek daiuh ;k fdlh vU; cSad ds
,uvks,Q,plh ds cksMZ dk lnL; ugha gksus pkfg,A
Li"Vhdj.k % bl mi&iSjk vkSj mi&iSjk (x½ ds ç;kstu ds fy,] vfHkO;fä "cSad" esa ,d cSafdax daiuh] ,d
u;k cSad] Hkkjrh; LVsV cSad] ,d lgdkjh cSad vkSj ,d {ks=h; xzkeh.k cSad 'kkfey gksaxsA
¼[k½ fdjk;k [kjhn] foÙkiks"k.k] èku mèkkj] fuos'k] iêsnkjh vkSj vU; iSjk cSafdax xfrfofèk;ksa ls tqM+s O;fä dks
ih,lch ds cksMZ esa fuokZfpr funs'kd ds :i esa fu;qfä ds fy, ekU; ugha gksaxsA gkykafd] ,slh laLFkkvksa ds
fuos'kdksa dks funs'kd ds :i esa fu;qfä ds fy, v;ksX; ?kksf"kr ugha fd;k tk,xk] vxj os muesa fdlh çcaèkdh;
fu;a=.k esa ugha gksA
¼x½ ,slk dksbZ O;fä fuokZfpr@ iqu: fuokZfpr ugha gks ftUgksaus N: o"kZ rd yxkrkj vFkok varjky ij fdlh Hkh
cSad@ foÙkh; laLFkk@ vkjchvkbZ@ chek daiuh ds cksMZ esa iwoZ esa funs'kd ds :i esa lsok çnku dh gksA
¼?k½ mEehnokj LV‚d czksfdax ds O;olk; ls tqM+k ugha gksuk pkfg,A
¼p½ mEehnokj laln ;k jkT; foèkkueaMy ;k uxj fuxe ;k uxj ikfydk ;k vU; LFkkuh; fudk;ksa dk lnL;
ugha gksuk pkfg,A (vU; LFkkuh; fudk;ksa ls rkRi;Z gS fd uksfVQkbM ,fj;k dkmafly] flfV dkmafly]
iapk;r] xzke lHkk] ft+yk ifj"kn] vkfnA½
¼N½ mEehnokj ,slh fdlh pkVZMZ ,dkmaVsaV QeZ ds lk>snkj ds :i esa dk;Z u dj jgk gks tks orZeku esa fdlh
jk"Vªh;—r cSad ;k Hkkjrh; LVsV cSad ds lkafofèkd dsaæh; ys[kk ijh{kd ds :i esa dk;Z dj jgh gksA
¼t½ mEehnokj ,slh fdlh pkVZMZ ,dkmaVsaV QeZ ds lk>snkj ds :i esa dk;Z u dj jgk gks tks orZeku esa ml cSad esa
lkafofèkd 'kk[kk ys[kk ijh{kd ;k leorÊ ys[kk ijh{kd ds :i esa dk;Z dj jgh gks] ftlesa p;u ds fy,
ukekadu nkf[ky fd;k x;k gSA

24
V. dk;kZofèk – fuokZfpr funs'kd rhu lky ds fy, in èkkj.k djsaxs vkSj iqu% p;u ds fy, ik= gksaxs c'krZs fd
,sls dksbZ Hkh funs'kd] fujarj ;k varjky lfgr] Ng o"kZ ls vfèkd dh vofèk ds fy, in èkkj.k ugha djsaxsA
VI. O;kolkf;d çfrcaèk &

¼d½ mEehnokj dk u rks lacafèkr cSad ds lkFk dksbZ O;kolkf;d lacaèk (dkuwuh lsokvksa] lykgdkj lsokvksa lfgr½
gksuk pkfg, vkSj u gh ,slh xfrfofèk;ksa esa 'kkfey gksuk pkfg,] ftlds ifj.kkeLo:i ml cSad ds lkFk
O;kolkf;d fgrksa dk Vdjko gks ldrk gSA
¼[k½ mEehnokj dk fdlh cSad ;k fdlh vU; cSad dks èkkfjr djus okyh ,uvks,Q+,plh ds lkFk dksbZ O;kolkf;d
lacaèk ugha gksuk pkfg,A
¼x½ c'krZs fd p;u ds fy, ukekadu nkf[ky djrs le; fdlh cSad ds lkFk bl rjg ds lacaèk j[kus okys
mEehnokj dks en ([k½ dh vis{kkvksa dks iw.kZ djus okyk ekuk tk,xk] vkSj mEehnokj lfefr dks ;g ?kks"k.kk
çLrqr djsxk fd ;fn og funs'kd ds :i esa fuokZfpr gksrk gS rks cSad ds lkFk lacaèk lekIr dj nsxk vkSj
fuokZfpr gksus ij cSad ds funs'kd ds :i esa fu;qfä ls igys ,sls lacaèk lekIr dj nsrk gSA
VII. VªSd fjd‚MZ vkSj lR;fu"Bk & mEehnokj dks fdlh Hkh fofu;ked ;k i;Zos{kh çkfèkdj.k @,tsalh] ;k dkuwu
çorZu ,tsalh dh çfrdwy fuxjkuh ds rgr ugha gksuk pkfg, vkSj fdlh Hkh _.knkrk laLFkk dk pwddrkZ ugha
gksuk pkfg,A
cSad fuokZfpr funs'kd ls fuEufyf[kr çkIr djsxk:
¼d½ ,sls O;fä }kjk funs'kd dk in xzg.k djus ls igys] vuqcaèk esa fn, x, Q‚eZsV (vuqcaèk 2½ esa fu"ikfnr çlafonk
foys[k: ih,lch,l ds cksMZ esa pqus x, funs'kdksa ds fy, "mi;qä ,oa mfpr" ekin.M
¼[k½ gj o"kZ 31 ekpZ dh fLFkfr ds vuqlkj bl vk'k; dh ,d lkèkkj.k ?kks"k.kk fd ,sls O;fä }kjk igys ls miyCèk
djkbZ xbZ tkudkjh esa dksbZ ifjorZu ugha gqvk gSA
¼x½ tgka fuokZfpr funs'kd us lwfpr fd;k gS fd igys nh xbZ lwpuk esa ifjorZu gS] cSad ,sls funs'kd ls u;k
vuqcaèk 1 çkIr djsxk ftlesa lHkh ifjorZu 'kkfey gksaA
cSaddkjh fofu;eu vfèkfu;e] 1949 dh èkkjk 20 dk vuqikyu lqfuf'pr djsaxsA lkFk gh]
¼d½ lqj{kk mik;ksa dh ,d ç.kkyh cuk,¡xs] ftlesa fuokZfpr lh, funs'kd ds@ mldh QeZ ds xzkgdksa vkSj mlds@
mldh QeZ ds xzkgdksa ls lacafèkr cSad ds _.k@ fuos'k fu.kZ;ksa esa Hkkx ugha ysus lacaèkh mi;qä çdVhdj.k 'kkfey
gksaxhA fuokZfpr lh, funs'kd ls visf{kr gS fd bl iwjh çfØ;k ls [kqn dks vyx j[ksa vkSj bl vk'k; dh çlafonk ij
gLrk{kj djsaA
¼[k½ fuokZfpr funs'kd }kjk O;kolkf;d laLFkkvksa esa vius fgrksa vkSj funs'kd&in dk iw.kZ vkSj mfpr çdVhdj.k
visf{kr gS] lkFk gh ftu laLFkkvksa esa muds fgr gSa] muls tqM+s cSad ds _.k@ fuos'k fu.kZ;ksa ls funs'kd O;fäxr :i
ls [kqn dks vyx j[ksa vkSj Hkkx ugha ysaA
¼x½ ,sls funs'kd ds :i esa in NksM+us ds ckn nks lky dh vofèk rd cSad fdlh O;fä dks] tks ml cSad dk fuokZfpr
funs'kd jg pqdk gS] dks dksbZ O;kolkf;d dk;Z vkoafVr ugha djsxkA
tgka fuokZfpr funs'kd:
¼d½ fuEufyf[kr esa vlQy jgrs gSa]
i. çlafonk foys[k ;k ?kks"k.kk tek djus esa( ;k
ii. mi;qä çdVhdj.k djus esa( ;k
iii. tgka muds fgr tqM+s gSa] ogka _.k@ fuos'k fu.kZ;ksa esa Hkkx ysus ls( ;k
¼[k½ vèkwjs ;k xyr çdVhdj.k djrs gSa( ;k
¼x½ ,slh xfrfofèk;ksa esa 'kkfey gSa] tks mUgsa mi;Zqä ekunaMksa ds vuqlkj "mfpr vkSj mi;qä ugha" cukrs gSa] ,sls
funs'kd dks cSaddkjh daiuh (miØeksa dk vtZu vkSj varj.k½ vfèkfu;e] 1970@1980 dh èkkjk 9 dh mièkkjk
(3 ,,½ dh vis{kkvksa dks iwjk djus okyk ugha ekuk tk,xk vkSj og blds ifj.kkeksa ds fy, mÙkjnk;h gksxkA
25
lfefr u, funs'kdksa ds :i esa p;u ds fy, mEehnokjksa ds ukekadu (fu;qfä @iqu% fu;qfä½ dh tkap djrs le;
mi;Zqä la'kksfèkr ekunaMksa dks viuk,xhA rFkkfi] ekStwnk fuokZfpr funs'kdksa dks la'kksèku& iwoZ ekunaMksa ds vuqlkj
viuk orZeku dk;Zdky iwjk djus dh vuqefr nh tk,A
va'kdkfyd xSj&ljdkjh funs'kd ds fuokZpu gsrq fn'kk&funZs'k %
Hkkjr ljdkj us 3 flracj 2013 ds vius i= }kjk ;g funZsf'kr fd;k gS fd cksMZ dh ukekadu lfefr 'ks;jèkkjd
funs'kdksa ds ^mfpr o mi;qä* LVsVl dk fuèkkZj.k djrs le; xSj ljdkjh funs'kdksa ds fy, Hkkjr ljdkj }kjk
tkjh fn'kkfunZs'kksa dks è;ku esa j[ksxhA Hkkjr ljdkj us 28 vçSy 2015 ds vius i= }kjk lkoZtfud {ks= ds cSadksa dks
la'kksfèkr fn'kk&funZs'k fnukad 25 ekpZ] 2015 dks ,oa viuh i= la[;k 20 tqykbZ] 2015 }kjk la'kksèkuksa dks fnukad
8 tqykbZ]2016 dks vxzsf"kr dj fn;k gS] ftlds eq[; fcUnq fuEukuqlkj gS%
¼,½ lkekU;:
1- ukekadu lacafèkr vfèkfu;eksa @ fu;eksa ds çkoèkkuksa dks è;ku esa j[krs gq, fd;k tk,xkA
1- ukekafdrksa dh mi;qärk dk vkdyu vkSipkfjd ;ksX;rk vkSj fo'ks"kKrk] VªSd fjd‚MZ] lR;fu"Bk vkfn ds
vkèkkj ij fd;k tk,xkA lR;fu"Bk vkSj mi;qärk dk vkdyu djus ds fy,] vkijkfèkd fjd‚MZ] foÙkh;
fLFkfr] O;fäxr _.kks ds fy, fd, x, flfoy dkjZokbZ] ços'k ls budkj ;k is'ksoj fudk;ksa ls fu"dklu]
fu;kedksa vkSj blh rjg ds fudk;ksa }kjk ykxw çfrcaèkksa vkSj fiNys lafnXèk O;olkf;d fØ;k&dykiksa vkfn ij
Hkjkslk fd;k tk,xkA
¼ch½ vuqHko :
1- —f"k ,oa xzkeh.k vFkZO;oLFkk] cSafdax] lgdkfjrk] vFkZ'kkL=] O;olk; çcaèku] ekuo lalkèku] foÙk] d‚ikZsjsV
dkuwu] tksf[ke çcaèku] m|ksx vkSj vkbZVh ds {ks=ksa esa fo'ks"k 'kS{kf.kd çf'k{k.k ;k O;kogkfjd vuqHko okys
O;fä;ksa ij vkerkSj ij fopkj fd;k tk,xkA 20 lky rd fdlh m|ksx ds ,d ofj"B in dk vuqHko] lacafèkr
{ks=ksa esa LFkkfir fo'ks"kKrk (lQyrkiwoZd ,d çfrf"Br laxBu dk usr`Ro fd;k gks] ,d vlQy laxBu dks
lQy laxBu ds :i esa ifjofrZr djus esa usr`Ro ;ksxnku çnku fd;k gks½ dks çkFkfedrk nh tk,xhA
2- lsokfuo`Ùk ofj"B ljdkjh vfèkdkjh ftuds ikl 20 o"kZ dk dqy vuqHko gks vkSj la;qä lfpo vkSj mlls Åij
ds Lrj ds vfèkdkjh ftudk U;wure 10 o"kksZa dk vuqHko gks A lkoZtfud {ks= ds cSadksa ds lsokfuo`Ùk
lh,eMh@bZMh] lsokfuo`fÙk ds ,d o"kZ cknA iwoZ lh,eMh@bZMh dks lkoZtfud {ks= ds cSad ds cksMZ esa xSj
ljdkjh funs'kd ds :i esa fu;qfä ds fy, ugha ekuk tk,xk] tgka ls os lsokfuo`Ùk gq, gSaA lkoZtfud {ks= ds
cSad ds lh,eMh@bZMh dh lsok fdlh vU; lkoZtfud {ks= ds cSad ds cksMZ esa xSj ljdkjh funs'kd ds :i esa ugha
ekuh tk,xhA
3- çeq[k çcaèku cSafdax laLFkkuksa ds vdknfed funs'kd vkSj çksQslj ftudks 20 o"kZ ls vfèkd dk vuqHko gSA
4- pkVZMZ vdkmaVsaV ftudks 20 lky dk vuqHko gks (v‚fMV ds vuqHko dks NksM+dj½ dks Hkh çkFkfedrk nh tk,xhA
5- gkykafd] ekeys dh xq.k&voxq.k ds vkèkkj ij vlkèkkj.k ekeyksa esa foÙk ea=h dh eatwjh ls vuqHko ekunaM esa
<hy nh tk ldrh gSA
6- tgk¡ rd laHko gks efgykvksa vkSj vuqlwfpr tkfr @ vuqlwfpr tutkfr leqnk; ds O;fä;ksa dks Hkh çfrfufèkRo
fn;k tk ldrk gSA
¼lh½ f'k{kk %
,d xSj ljdkjh funs'kd dks de ls de O;olk; çcaèku] tksf[ke çcaèku] foÙk] ekuo lalkèku vkSj vkbZVh esa
fo'ks"kKrk ds lkFk fdlh Hkh {ks= esa Lukrd gksuk pkfg,A
¼Mh½ mez:
funs'kd dh vk;q] lpZ @ ukekadu lfefr }kjk flQkfj'k dh frfFk ij 67 o"kZ ls vfèkd ugha gksuh pkfg,A

26
¼bZ½ dke ds vuqHko %
is'ksoj @ f'k{kkfon ftudks vkerkSj ij vius fo'ks"k {ks= esa 20 lky ds dk;Z dk vuqHko gksA
¼,Q½ v;ksX;rk,a %
1- fdlh Hkh Js.kh ds cSad @ foÙkh; laLFkku @ Hkkjrh; fjtoZ cSad @ chek daiuh esa igys ls gh funs'kd gksus ij]
fdlh Hkh vU; cSad @ foÙkh; laLFkku @ Hkkjrh; fjtoZ cSad @ chek daiuh esa xSj&ljdkjh funs'kd ds :i esa
ukekadu gsrq fopkj ugha fd;k tk ldrk gSA
2- fdjk;k& [kjhn] foÙkiks"k.k fuos'k] iês vkSj vU; iSjk&cSafdax xfrfofèk;ksa ls tqM+s O;fä] lkaln] foèkk;d]
,e,ylh vkSj LV‚d czksdj dks cSadksa @ foÙkh; laLFkku @ Hkkjrh; fjtoZ cSad @ chek daifu;ksa ds cksMZ esa
xSj&ljdkjh funs'kd ds :i esa fu;qä ugha fd;k tk,xkA xSj&ljdkjh funs'kd ds :i esa fu;qfä ds fy,
fdjk;k& [kjhn] foÙk iks"k.k] fuos'k] iês vkSj vU; iSjk cSafdax xfrfofèk;ksa esa fuos'kdksa dks v;ksX; ?kksf"kr ugha
fd;k tk,xk] vxj os ,slh daifu;ksa esa dksbZ çcaèkdh; fu;a=.k ugha j[krs gSaA xSj ljdkjh funs'kd] ;fn os ,slh
daifu;ksa esa dksbZ çcaèkdh; fu;a=.k ugha j[krs gSaA
3- fdlh Hkh O;fä dks cSad@,QvkbZ@vkjchvkbZ@chek daiuh ds cksMZ esa xSj ljdkjh funs'kd ds :i esa fQj ls
ukekafdr ugha fd;k tk ldrk gS] ftlesa mlus iwoZ esa funs'kd ds :i esa fdlh Hkh Js.kh esa nks dk;Zdky vFkok
Ng o"kZ] tks Hkh vfèkd gks] ds fy, lsok nh gksA
4- ,d pkVZMZ ,dkmaVsaV] ;fn mudk QeZ orZeku esa fdlh lkoZtfud {ks= ds cSad esa oSèkkfud dsaæh; ys[kk ijh{kd
ds :i esa dk;Z dj jgk gksA
5- ,d pkVZMZ ,dkmaVsaV] ;fn mudk QeZ orZeku esa fdlh lkoZtfud {ks= ds cSad esa oSèkkfud 'kk[kk ys[kk ijh{kd
;k leorÊ ys[kk ijh{kd ds :i esa dk;Z dj jgk gksA
¼th½ vofèk :
cSad@,QvkbZ@vkjchvkbZ@ chek daiuh cksMZ esa funs'kd ds :i esa ukekadu ds fy, ml xSj ljdkjh funs'kd ij
fopkj ugha fd;k tk,xk] tks funs'kd igys ls gh fdlh vU; cSad@,QvkbZ@vkjchvkbZ@chek daiuh ds cksMZ esa
yxkrkj ;k vafujarj ij Ng lky ds fy, xSj ljdkjh funs'kd @ 'ks;jèkkjd&funs'kd jgs pqds gSaA
¼,p½ O;kolkf;d çfrcaèk :
jk"Vªh;—r cSad ;kstuk ¼çcaèku vkSj fofèkd çkoèkku½ ;kstuk] 1970 ds [kaM 10 ¼Mh½ ds rgr fdlh Hkh lkoZtfud {ks=
ds cSad esa O;kolkf;d çfrcaèk ds lkFk&lkFk dk;kZy; ykHk dh vyx ls tkap dh tk;A
¼vkbZ½ {ks=h; çfrfufèkRo :
lkoZtfud {ks= ds cSad cksMksZa esa ns'k ds lHkh Ng {ks=ksa&mÙkj] nf{k.k] iwoZ] if'pe] eè; vkSj mÙkj&iwoZ dk çfrfufèkRo
lqfuf'pr djus dk ç;kl fd;k tkuk pkfg,A
tSlk fd vkjchvkbZ funsZ'kksa ds vuqlkj yxk;k x;k çfrca/k rFkk Hkkjr ljdkj ds fn'kkfunsZ'k ç—fr esa ,d tSls gSa]
vr% vH;fFkZ;ksa ds mfpr o mi;qä LVsVl dk fu/kkZj.k djrs le; cSad mijksä nksuksa ls vf/kd dM+s ekunaM ç;ksx
djsA

funs'kd eaMy ds vkns'k ls

LFkku % psUuS ¼in~etk pqUMw:½

fnukad % 02-11-2020 çcUèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh

27
 viuh
d‚ikZsjsV dk;kZy;] 254&260] vOoS "k.eqxe lkyS] jk;isêk] psUuS & 600 014 Q¨V¨ ;gk¡
yxk,

cSad dk uke : bafM;u cSad

çLrkfor funs'kd ¼vH;Fkʽ }kjk ^?kks"k.kki= vkSj opui=*
¼;Fkksfpr vuqyXudksa lfgr½
Ø-la- fooj.k nh tkusokyh lwpuk
I. O;fäxr fooj.k
1. uke ¼iw.kZ½ çFke uke eè; uke vafre uke

2. firk dk uke
3. fyax ¼,e@,Q@vU; ½
4. orZeku irk
5. bZ&esy irk vkSj oSdfYid bZ&esy irk %
,lVhMh dksM lfgr nwjHkk"kk ua-% eksckby ua-%

6. jk"Vªh;rk
7. tUe frfFk ¼MhMh@,e,e@okbZokbZokbZokbZ½ vkSj vk;q
8. 'kS{kf.kd ;ksX;rk
9. funs'kd igpku la[;k ¼MhvkbZ,u½ ------@------@----------------vk;q%------------o"kZ ------------- ekg
10. vkèkkj la[;k ¼oSdfYid½
11. ¼,½ LFkk;h [kkrk la[;k ¼iSu½
¼ch½ pktZ tgka çLrkfor funs'kd ds dj dk
ewY;kadu fd;k tkrk gS ¼vk;dj {ks=½@
vk;dj lfdZy@okMZ dk uke vkSj irk
¼lh½ fiNys 3 o"kksaZ esa nkf[ky fd, x, fjVuksaZ
vkSj Hkqxrku dh xbZ djksa dk fooj.k
12. LFkk;h irk nkf[ky djus Hkqxrku dh xbZ dj dh jkf'k
dh frfFk ¼vkbZ,uvkj½

13. ys[kk] —f"k vkSj xzkeh.k vFkZO;oLFkk] cSfa dax]

lgdkfjrk] vFkZ'kkL=] foÙk] dkuwu] y?kq m|ksx]
lwpuk çkS|ksfxdh] Hkqxrku vkSj fuiVku ç.kkyh]
ekuo lalk/ku] tksf[ke çca/ku] O;olk; çca/ku
tSls fdlh ,d ;k vf/kd ekeyksa ds lac/a k esa
çklafxd Kku ;k vuqHko ij ,d laf{kIr ys[k
ds :i esa fooj.k] ;k fdlh vU; ekeys ds
ckjs esa fo'ks"k Kku vkSj O;kogkfjd vuqHko] tks
fjtoZ cSd a dh jk; esa cSfa dax daiuh ds fy,
mi;ksxh gksA

28
14. orZeku is'kk ¼inuke] laLFkk dk uke vkSj
vuqHko ij laf{kIr ys[k½
15. foxr U;wure nl o"kksaZ ls ftl laxBu¼vksa½
esa dk;Zjr jgs gksa] mldk iw.kZ irk] dk;ZHkkj
xzg.k djus dh frfFk] dk;Zeqä gksus dh frfFk
¼dkj.kksa lfgr½] inuke] vkfnA
16. lunh ys[kkdkj ds ekeys esa] fuEufyf[kr
dks bafxr djsa %
¼,½ Hkkjrh; lunh ys[kkdkj laLFkku
¼vkbZlh,vkbZ½ dh lnL;rk la[;k %
¼[k½ vkbZlh,vkbZ esa iathdj.k dh frfFk %
¼x½ iath—r QeZ¼vksa½ dk uke vkSj irk %
¼?k½ orZeku esa QeZ¼vksa½ ;k vkids }kjk
çLrqr ys[kkijh{kk¼vksa½ dk fooj.k %
17. tgka vki ,d çkFkfed [kkrk /kkjd gSa] ml cSad 'kk[kk [kkrs dk [kkrk
'kk[kk dk uke vkS j [kkrk la [ ;k dk uke çdkj la[;k
¼cpr@pkyw@_.k [kkrs½ ds lkFk cSadj dk
uke %
18. ;fn fdlh laLFkk esa vkids ;k ifr@iRuh
vkSj vkids ukckfyx cPps }kjk çR;{k ;k
vçR;{k :i esa fgLlsnkjh gks rks mldk
fooj.k ns a A ¼MheS V @'ks ; jgks f YMa x
çek.k&i= layXu djsa½
19. cSad ds funs'ku gsrq dksbZ vU; çklafxd
tkudkjh %
II- çLrkfor funs'kd ds laxr laca/k
20. ,sls fj'rsnkjksa dh lwph tks fdlh Hkh cSad ls
tqM+s gksa] daiuh vf/kfu;e] 2013 ds [kaM
2 ¼77½ vkSj daiuh fu;e] 2014 ¼ifjHkk"kk dh
fo'ks"krk½ dk fu;e 4 ns[ksa] ;fn dksbZ gks %
21. laLFkkvksa dh lwph ftlesa %
¼,½ bPNqd ¿daiuh vf/kfu;e] 2013 dh /kkjk
184 dk lanHkZ ysaÀ%
¼ch½ ykHkkFkZ LokfeRo ¿daiuh vf/kfu;e]
2013 dh /kkjk 89 ds :i esa ,elh, ds ykxw
egRoiw.kZ ykHkkFkZ LokfeRo fu;eksa dk lanHkZ
ysaÀ %
¼lh½ VªLVh ¼fdlh VªLV ds lanHkZ esa fdlh
vU; laca/k dk Hkh mYys[k djsa½ %

29
 22. ekStwnk vkSj çLrkfor laLFkkvksa dh lwph] daiuh @QeZ dk uke
ftlesa cSafdax fofu;eu vf/kfu;e]1949 dh laLFkkiu dk ns'k
/kkjk 5 ¼,ubZ½ ds varxZr lkjHkwr fgr 'ks;jksa dh la[;k
lajf{kr gks A çR;sd 'ks;j dk
vafdr ewY;
'ks;j gksfYMax dk
dqy vafdr ewY;
dqy pqdrk iwath ds çfr'kr
ds :i esa 'ks;j/kkfjrk
ykHkdkjh fgr ¼ewY; ds
lkFk&lkFk çfr'kr½
D;k laLFkk daiuh vf/kfu;e]
2013 ds rgr /kkjk 8 ds ntsZ
dh daiuh gS\
23. fons'kksa esa LFkkfir laLFkkvksa vkSj Hkkjr esa dkjksckj
ds {ks= esa vftZr LFkku dk fooj.k nsAa
cSad@,uch,Qlh@fdlh vU; daiuh dk
24.
uke ftlesa orZeku esa ;k iwoZ esa
cksMZ@lykgdkj vkfn dk lnL; gSA ¼ml
vof/k dk C;ksjk nsa ftlds nkSjku ,sls
dk;kZy; lapkfyr gks jgs gksa@Fks½A

,d daiuh ds laca/k esa * lkjHkwr fgr* ¼i½ dk vFkZ gS ,d O;fä ;k mlds ifr@iRuh ;k ukckfyx cPps }kjk lajf{kr
ykHkkFkZ fgr] pkgs og vdsys gks ;k ,d lkFk] 'ks;jksa esa] Hkqxrku dh xbZ jkf'k] daiuh dh pqdrk iwath tksfd ikap yk[k
#i;s ;k daiuh dh pqdrk iwath dh nl çfr'kr ls vf/kd gS] tks Hkh de gks; ¼ii½ ,d QeZ ds laca/k esa] fdlh O;fä ;k
mlds ifr@iRuh ;k ukckfyx cPps }kjk lajf{kr ykHkkFkZ fgr] pkgs og vdsys gks ;k ,d lkFk] tks mä QeZ ds lHkh
Hkkxhnkjksa }kjk fu/kkZfjr dqy iwath ds nl çfr'kr ls vf/kd dk çfrfuf/kRo djrk gSA
25. ;fn laLFkk dk dksbZ miØe fdjk;k [kjhn]
foÙkiks"k.k] fuos'k] iêknkjh vkSj vU; iSjk
cSafdax xfrfof/k;ksa ¼laca/k dh ç—fr dk
mYys[k fd;k tk,½ ds lkFk tqM+k gqvk gSA
26. ;fn LV‚d czksdj ;k 'ks;j czksfdax
xfrfof/k;ksa esa layXu fdlh Hkh laLFkkls tqM+k
gqvk gS] rks mldk fooj.k nsaA
27. orZeku esa ¼21½ ls ¼26½ ds varxZr lwphc)
laLFkkvksa vkSj@;k O;fäxr :i ls çkIr dh
x;h fuf/k ,oa xSj&fuf/k vk/kkfjr lqfo/kkvksa
dk fooj.k] ;fn dksbZ gks A
28. ;fn dksbZ ,sls ekeys gksa] tgka ,d O;fä ;k
¼21½ ls ¼26½ ds varxZr lwphc) mijksä
laLFkkvksa us] cSad@,uch,Qlh@fdlh vU;
_.k nsus okyh laLFkk ls çkIr _.k dk
Hkqxrku u fd;k gks ;k mls bjknru
pwddrkZ ?kksf"kr fd;k x;k gS A

30
III- O;olkf;d miyfC/k;ksa dk fjd‚MZ
funs'ku gsrq O;kolkf;d miyfC/k;k¡
IV- çLrkfor funs'kd ds f[kykQ dk;Zokgh] ;fn dksbZ gks]
29. ¼d½ ,d O;olkf;d la?k@fudk; ds lnL; ds
:i esa ;fn dksbZ vuq'kklukRed dkjZokbZ yafcr
gS ;k 'kq: dh xbZ gS ;k ftlds ifj.kkeLo:i
iwoZ esa nks"kh Bgjk;k x;k gS ;k fdlh Hkh le;
fdlh Hkh is'ks@O;olk; esa ços'k ij çfrca/k
yxk fn;k x;k gS] rks mldk fooj.k nsaA
¼[k½ ;fn O;fäxr is'ksoj vkpj.k ;k xfrfof/k;ksa
ds ckjs esa fdlh Hkh fyf[kr f'kdk;r ;k vkjksi dk
fo"k; gS] rks mldk fooj.k nsAa
30. vkfFkZd dkuwuksa vkSj fu;eksa ds mYya?ku ds fy,
yafcr ;k 'kq: fd, x, ;k ftlds
ifj.kkeLo:i Lo;a dks ;k ¼21½ ls ¼26½ ds
varxZr lwphc) mijksä laLFkkvksa dks nks"kh
Bgjk;k x;k gks] ;fn ,sls dksbZ vfHk;kstu gks]
rks mldk fooj.k nsaA
31. ;fn dksbZ vkijkf/kd vfHk;kstu gks tks yafcr gks
;k ftldh 'kq#vkr dh xbZ gks ;k ftlds
ifj.kkeLo:i ltk gqbZ gks] rks mldk fooj.k nsAa
32. ;fn dksbZ vkijkf/kd vfHk;kstu gks tks yafcr gks
;k ftldh 'kq#vkr dh xbZ gks ;k ftlds
ifj.kkeLo:i ltk gqbZ gks] rks mldk fooj.k nsAa
33. ;fn daiuh vf/kfu;e] 2013 dh /kkjk 164 ds
rgr mfYyf[kr fu;eksa ds vuqlkj fdlh Hkh
çdkj ls v;ksX; gSa] rks mldk fooj.k nsaA
34. ;fn fnokfy;k gks x;k gS ;k Hkqxrku fuyafcr
dj fn;k gS ;k ysunkjksa ds lkFk le>kSrk dj
fy;k gS] rks mldk fooj.k nsaA
35. ;fn dksbZ ekufld :i ls vl{ke gks vkSj ;g
U;k;ky; }kjk ?kksf"kr fd;k x;k gks] rks mldk
fooj.k nsaA
36. ¼,½ ;fn ,d vkijkf/kd U;k;ky; }kjk uSfrd
Øwjrk ;k vU;Fkk ds vijk/k esa nks"kh Bgjk;k
tkrk gS] rks mldk fooj.k nsaA
37. ¼[k½ ;fn fdlh U;k;ky; }kjk nks"kh Bgjk;k
tkrk gS] rks mldk fooj.k nsaA;fn fdlh Hkh
jk"Vªh;—r cSad ;k Hkkjrh; LVsV cSad ds v/khu
fdlh Hkh dk;kZy; esa ,d iw.kZdkfyd funs'kd
ds in dks NksM+dj] ykHkkFkZ in ij inLFk gksa]
rks mldk fooj.k n A
38. ;fn ,d O;fä ;k ¼21½ ls ¼26½ ds varxZr
lwphc) mijksä laLFkk,a fiNys fu;ksäk ;k
ljdkjh foHkkxksa ;k ,tsalh }kjk fdlh Hkh tkap
@ lrdZrk @ekeyksa ds laca/k esa tkap ds
v/khu gSa] rks mldk fooj.k nsaA
39. ;fn lhek 'kqYd@mRikn 'kqYd@ vk;dj@
fons'kh eqæk@vU; jktLo vf/kdkfj;ksa }kjk fu;eks@
a
fofu;eks@a fo/kk;h vko';drkvksa ds mYya?ku dk nks"kh
ik;k x;k gks] rks mldk fooj.k nsa A

31
 40. ;fn O;kolkf;d fu;ked xfrfof/k;ksa ds dkj.k
lsch] vkbZvkjMh,vkbZ] ih,QvkjMh, vkfn]
O;kolkf;d laxBu] ljdkjh ,tsl a h] ;k vnkyr
tSls fdlh Hkh fu;ked }kjk fuank dh xbZ gks]
fuyafcr fd;k x;k gks] çfrcaf/kr fd;k x;k gks]
jksd yxk;k x;k gks] oftZr fd;k x;k gks] vkns'k
tkjh fd;k x;k gks] ;k vU; dksbZ gks] rks mldk
fooj.k nsa A
41. gkykafd mEehnokj ds fy, mu vkns'kksa vkSj
fu"d"kksaZ ds ckjs esa d‚ye esa mYys[k djuk
vko';d ugha gksxk] tks ckn esa ifjorZu fd,
x, gSa@fujLr dj fn, x, gSa]
ifjorZu@fujLr djus ds ekeyksa dk mYys[k
rc vko';d gS tcfd ;g rduhdh dkj.k
tSls ifjlhek ;k vf/kdkj {ks= dh deh ds
dkj.k gq, gksa ,oa ;ksX;rk ds vk/kkj ij ugha gSA
;fn vkns'k vLFkkbZ :i ls #ds gq, gSa ,oa
vihy@U;k;ky; çfØ;k yafcr gS rks bldk
mYys[k vko';d gSA
V- lkekU; tkudkjh
42. pkVZMZ vdkmaVsaV] ,MoksdsV vkfn tSls is'ksoj
;fn orZeku esa fdlh Hkh cSad esa fdlh Hkh çdkj
dk O;kolkf;d dk;Z dj jgs gksa@fd;k gks] rks
cSad ds uke vkSj cSad esa dk;Zdky dh vof/k
lfgr fooj.k çnku djsaA
43. ;fn dksbZ] lkaln@,e,y,@,e,ylh ;k
uxj fuxe ;k uxj ikfydk ;k vU; LFkkuh;
fudk;ksa esa jktuhfrd in /kkj.k djrk gS] rks
mldk fooj.k çnku djsaA
VI- çdVhdj.k vkSj ikjnf'kZrk ds fgr esa]
^;ksX; vkSj mfpr* dk vkdyu djus ds fy,
çklafxd dksbZ vU; tkudkjh gksuh pkfg,] blds
fooj.k çnku djsaA
opu&i=
eSa bl ckr dh iqf"V djrk gwa fd mijksä tkudkjh esjs laKku esa gS ,oa lR; vkSj iw.kZ gSA eSa] esjh fu;qfä ds
i'pkr ?kfVr lHkh ?kVukvksa] tks Åij nh xbZ tkudkjh ij vk/kkfjr gSa] ls cSad dks 'kh?kzfr'kh?kz iw.kZ :i ls
voxr djkus dk opu nsrk gw¡ A
eSa vko';drk iM+us ij cSad ds lkFk ,d ^opu foys[k* fu"ikfnr djus dk Hkh opu nsrk gw¡ A
LFkku % çLrkfor funs'kd dk gLrk{kj ¼mEehnokj½
fnukad %
mijksä tkudkjh dh lR;rk ,oa iw.kZrk ij
larq"V gksus ds i'pkr ukekadu vkSj
ikfjJfed lfefr ¼,uvkjlh½ dh fVIif.k;k¡A
LFkku % ,uvkjlh ds v/;{k dk gLrk{kj
fnukad %

32
 d‚ikZsjsV dk;kZy;] 254&260] vOoS "k.eqxe lkyS] jk;isêk] psUuS & 600 014

?kks"k.kk i=
¼mEehnokj }kjk½
eSa]------------------------------------------------------------------------------------------------------Jh@Jherh--------------------------------------------------------------------------------
----------------------------dk@dh iq=@iq=h@iRuh -----------------------------------------------------------------------------------------------------------------------------------
------- dk@dh fuoklh ;g iqf"V djrk@djrh gw¡ fd %
¼ch½ eSa] eaxyokj] 3 uoacj] 2020 ;kuh pquko esa Hkkx ysus dh fufnZ"V frfFk dks Qksfy;ks la----------------------- @
MhihvkbZMh la------------------------ @xzkgd vkbZMh la- -------------------------- ds varxZr #-10@& çfr 'ks;j ds vafdr
ewY; ds ------------- 'ks;j dk 'ks;j/kkjd gw¡ vkSj cSad ds funs'kd ds :i esa pqus tkus ij dk;Zdky ds var rd 'ks;jksa
dks lajf{kr j[kus dk opu nsrk gw¡ A
¼lh½ *eq>s ¼i½ —f"k vkSj xzkeh.k vFkZO;oLFkk] ¼ii½ cSafdax] ¼iii½ lgdkfjrk] ¼iv½ vFkZ'kkL=] ¼v½ foÙk ¼vi½ dkuwu]
¼vii½ y?kq m|ksx] ¼viii½ vkbZVh@Hkqxrku vkSj fuiVku ç.kkyh@ekuo lalk/ku@tksf[ke çca/ku@O;olk;
çca/ku vkfn ;k Hkkjrh; fjtoZ cSad dh jk; esa cSad ds fy, mi;ksxh fdlh vU; fo"k; dk fo'ks"k Kku ;k
O;kogkfjd vuqHko gS rFkk eSa vf/kfu;e dh /kkjk 9 dh mi&/kkjk 3, ds lanHkZ esa tekdrkZvksa ;k fdlkuksa]
Jfedksa vkSj dkjhxjksa ds fgr dk çfrfuf/kRo djrk gwa vkSj blds lk{; ds :i esa] eSa lacaf/kr fooj.k çLrqr
djrk gwa] rFkk
¼*tks ykxw u gksa mls feVk nsa½
¼Mh½ eSa ukekadu la[;k-------------------------- Lohdkj djrk gwa ( rFkk
¼bZ½ eSa bafM;u cSad ds funs'kd ds in ds fy, pquko yM+us dks bPNqd gwa ( rFkk
¼,Q½ eSa] cSafdax fofu;eu vf/kfu;e]1949] cSafdax daifu;ksa ¼miØeksa dk vf/kxzg.k vkSj gLrkarj.k½ vf/kfu;e]1970]
jk"Vªh;—r cSadksa ¼çca/ku vkSj fofo/k çko/kku½ ;kstuk]1970] bafM;u cSad ¼'ks;j vkSj cSBdsa½ fofu;e]1999] ;Fkk
la'kksf/kr] Hkkjrh; fjtoZ cSad }kjk tkjh lacfU/kr vf/klwpukvksa rFkk lkoZtfud {ks= ds cSadksa ds xSj ljdkjh
funs'kdksa ds laca/k esa Hkkjr ljdkj }kjk tkjh fn'kkfunsZ'k ds çko/kkuksa ds rgr cSad ds funs'kd in ds fy,
v;ksX; ugha gw¡ rFkk
¼th½ eSa daiuh vf/kfu;e] 2013 dh /kkjk 164 ds rgr v;ksX; ugha gw¡ % rFkk
¼,p½ eSa u rks fdlh ykHkkFkZ in in ij inLFk gw¡ vkSj u gh eSa Hkkjrh; LVsV cSad vf/kfu;e]1955 dh /kkjk 3 dh
mi&/kkjk ¼1½ ds rgr xfBr fdlh Hkh jk"Vªh;—r cSad ;k Hkkjrh; LVsV cSad dk deZpkjh gw¡ ;k Hkkjrh; LVsV
cSad ¼lgk;d cSad½ vf/kfu;e]1959 dh /kkjk 3 esa ifjHkkf"kr fdlh Hkh lgk;d cSad dk deZpkjh gw¡ A
vkxs] eSa ?kks"k.kk djrk@djrh gwa fd%
¼vkbZ½ eSa fdlh Hkh le; ,d fnokfy;k ds :i esa ?kksf"kr ugha fd;k x;k ;k Hkqxrku fuyafcr dj fn;k x;k ;k esjs
ysunkjksa ds lkFk le>kSrk fd;k x;k( rFkk
ts½ eq>s vLoLFk fpÙk ugha ik;k x;k gS ;k ,d l{ke vnkyr }kjk bl çdkj ?kksf"kr fd;k x;k gS vkSj dksbZ vijkèk]
ds fy, fdlh Hkh vkijkfèkd U;k;ky; }kjk nks"kh ugha Bgjk;k x;k gS ftlesa uSfrd ladh.kZrk 'kkfey gS( rFkk
ds½ eq>s fdlh Hkh vkfFkZd vfèkdkjh ;k U;kf;d eftLVªsV ;k mPp U;k;ky; ;k fdlh vU; vnkyr }kjk vijkèkh
?kksf"kr ugha fd;k x;k gS( rFkk
,y½ eSa iwoZ esa bl cSad ds cksMZ esa funs'kd ugha jgk gw¡] fdlh Hkh Js.kh ds rgr nks dk;Zdky ;k Ng lky ds fy,] tks
Hkh yack gks( rFkk
,e½ eSa pqus tkus ij cSad ds lkFk O;kolkf;d lacaèk ;fn dksbZ gks rks] dks rRdky lekIr d:axk] vkSj funs'kd ds :i
esa esjs dk;Zdky ds nkSjku vkSj mlds ckn nks o"kksZa ds fy, cSad ds lkFk dksbZ O;kolkf;d lacaèk ugha j[kw¡xk( rFkk
,u½ eSa fdlh Hkh cSad ;k fjt+oZ cSad ;k foÙkh; laLFkku ¼FI½ ;k chek daiuh ;k ,uvks,Q+,plh ¼NOFHC½ ds fdlh
vU; cSad ds cksMZ dk lnL; ugha gwaA
vks½ eSa fdlh Hkh fdjk;k [kjhn] foÙkiks"k.k] èku mèkkj] fuos'k] iêsnkjh vkSj vU; iSjk&cSafdax xfrfofèk;ksa ls
tqM+k ugha gwa(
ih½ eSaus fdlh cSad @ foÙkh; laLFkku@ Hkkjrh; fjtoZ cSad @ chek daiuh ds cksMZ esa iwoZ esa] fdlh Hkh Js.kh
esa Ng lky ds fy,] pkgs yxkrkj ;k varjky ij] funs'kd ds :i esa dk;Z ugha fd;k gSA
33
D;w½ eSa LV‚d czksfdax dkjksckj ugha dj jgk gwaA
vkj½ eSa laln ;k jkT; foèkkueaMy ;k uxj fuxe ;k uxj ikfydk ;k vU; LFkkuh; fudk;ksa ds lnL;
dk in ugha laHkky jgk gw¡ ¼vU; LFkkuh; fudk;ksa dk vFkZ gS vfèklwfpr {ks= ifj"kn] uxj ifj"kn]
iapk;r] xzke lHkk] ftyk ifj"kn] vkfnA½
,l½ eSa lunh ys[kkdkj QeZ ds ,d Hkkxhnkj ds :i esa dk;Z ugha dj jgk gwa tks orZeku esa fdlh Hkh
jk"Vªh;—r cSad ;k Hkkjrh; LVsV cSad ds oSèkkfud dsaæh; ys[kk ijh{kd ds :i esa layXu gSA
Vh½ eSa fdlh lunh ys[kkdkj QeZ ds Hkkxhnkj ds :i esa dk;Z ugha dj jgk gwa tks orZeku esa bafM;u cSad
ds lkafofèkd 'kk[kk ys[kk ijh{kd ;k laoSèkkfud ys[kk ijh{kd ds :i esa yxh gqbZ gS ftlesa pquko ds
fy, ukekadu nkf[ky fd;k tkrk gSA
;w½ esjk bafM;u cSad ds lkFk u rks dksbZ O;kolkf;d lacaèk gS ¼dkuwuh lsokvksa] lykgdkj lsokvksa vkfn
lfgr½ u gh eSa ,slh xfrfofèk;ksa esa 'kkfey gwa] ftlds ifj.kkeLo:i bafM;u cSad ds lkFk O;kikfjd
fgrksa dk Vdjko gks ldrk gSA
oh½ eSa fdlh cSad ;k fdlh ,uvks,Q+,plh ¼NOFHC½ ds lkFk fdlh vU; cSad ds lkFk dksbZ O;kolkf;d
lacaèk ugha j[k jgk gwa vkSj ;fn ;fn pqus x, rks funs'kd ds :i esa inHkkj laHkkyus ls igys] cSad ds
lkFk lacaèk foPNsn djus ds fy, lger gw¡A
McY;w½ eSa fdlh fu;ked ;k i;Zos{kh çkfèkdj.k @ ,tsalh] ;k dkuwu çorZu ,tsalh ds çfrdwy uksfVl ds
vèkhu ugha gwa vkSj eSa fdlh Hkh mèkkj nsus okyh laLFkk dk fMQkYVj ugha gwaA
,Dl½ funs'kd ds :i esa inHkkj laHkkyus ls igys eSa çlafonk foys[k ¼Hkkjrh; fjtoZ cSad ifji= fnukad
02-08-2019 ds fuèkkZfjr çk:i esa½ fu"ikfnr djus ds fy, lger gwa(
okbZ½ eSa cSad dks bl ?kks"k.kk ds ckn gksus okyh ?kVukvksa dks] ;fn dksbZ gks rks] ;Fkk'kh?kz] iwjh rjg ls voxr
djkus ds fy, rS;kj gw¡] tks fd lwpuk ds fy, çklafxd gSa] c'krZs fd og cSad ds funs'kd ds :i esa
esjs pqus tkus ij çlafonk foys[k fu"ikfnr djus ds fy, lger gwa( rFkk
t+sM½ tc rd eSa cSad ds funs'kd ds :i esa bl in dks èkkj.k djrk gwa] rc rd eSa lsch¼lwphc)rk
¼fyfLVax½ ckè;rk,¡ vkSj çdVhdj.k vis{kk,¡½ fofu;e] 2015] ;Fkkla'kksfèkr] ds çklafxd çkoèkkuksa
dk ikyu djus dk opu nsrk gwa( rFkk
,,½ eSa vius O;fäxr fooj.kksa dks layXu djrk gwa tks esjs Kku vkSj foÜokl ds vuqlkj lR; gSa vkSj lHkh
çdkj ls iw.kZ gS( rFkk

daiuh @ cSad dk uke funs'kd in ds fooj.k tSls & dk;Zdky] vofèk bR;kfn

¼;fn vko';d gks] vfrfjä 'khV tksM+sa½ ¼tks Hkh ykxw ugha gks] mls gVk,aA½
LFkku% gLrk{kj%
fnukad % uke%
esjs lkeus mijksä ?kks"k.kk ij gLrk{kj fd, x,A
U;k;kèkh'k] eftLVªsV] vkÜokluksa ds jftLVªkj ;k mi&jftLVªkj] ;k vU;
jktif=r vfèkdkjh ;k Hkkjrh; fjtoZ cSad ;k bafM;u cSad ;k fdlh jk"Vªh;—r
cSad ds ,d vfèkdkjh dheqgj ds lkFk gLrk{kjA
¼tks Hkh ykxw ugha gks mls gVk,aA½
* rkjh[k ds lkFk gLrk{kj vkSj eqgj

34
 d‚ikZsjsV dk;kZy;] 254&260] vOoS "k.eqxe lkyS] jk;isêk] psUuS & 600 014

ukekadu çi=
¼'ks;jèkkjd }kjk½
lsok esa] Øekad la[;k-------------------------

çcaèk funs'kd ,oa lhbZvks]

bafM;u cSad] d‚ikZsjsV dk;kZy;]
254& 260] vOoS "k.eqxe lkyS] jk;isêk] psUuS &600 014-
fç; egksn;@egksn;k]

funs'kdx.k dk pquko

vkids uksfVl fnukad --------------------2020 ds lanHkZ esa] eSa]------------------------------------] 3 uoacj] eaxyokj] tks pquko esa Hkkx ysus
ds fy, fufnZ"V frfFk ekuk x;k gS] dks bafM;u cSad ds 10 @ & #i;s ds vafdr ewY; ds ------------------bfDoVh 'ks;j dk
'ks;jèkkjd] cSafdax daifu;ka ¼miØeksa dk vfèkxzg.k vkSj gLrkarj.k½ vfèkfu;e] 1970 dh èkkjk 9 ¼3½ ¼i½ esa çnku fd,
x, cSad ds 'ks;jèkkjdksa dk çfrfufèkRo djus okys bafM;u cSad ds funs'kd ds :i esa] lkseokj] 30 uoacj 2020 dks gksus
okyh cSad ds 'ks;jèkkjdksa dh vlkèkkj.k vke cSBd esa pqus tkus ds fy, ------------------------------------------ ds fuoklh] Jh @
Jherh --------------------------- iq= @ iq=h @ iRuh ------------------------------------- dks ukfer djrk @ djrh gwaA

gLrk{kj
uke
'ks;jksa
dh la[;k
iath—r Qksfy;ks la @ Mhih
vkbZMh ,oa DykbZaV vkbZMh
LFkku
fnukad
fVIi.kh%
1½ ;fn ukekadu fuxe fudk; }kjk fd;k x;k gS] rks ukekadu çi= cksMZ ds funs'kd eaMy dh cSBd esa ikfjr
çLrko ds çekf.kr lR; çfr ds lkFk] cSBd ds vè;{k ds gLrk{kj lfgr gksuk pkfg,] ftl cSBd esa ;g ikfjr
fd;k x;k FkkA
2½ mEehnokj dks ukekafdr djus okys 'ks;jèkkjdksa ds gLrk{kj] cSad ds jftLVªkj vkSj 'ks;j VªkalQj ,tsaV ds lkFk
miyCèk uewuk gLrk{kj ds lkFk esy gksuk pkfg,A ¼tSlk fd 'ks;jgksYMlZ jftLVj @ fMi‚ftVjh fjd‚M~lZ esa
ntZ gS½A
3½ ;fn Åij fn;k x;k dksbZ Hkh d‚ye [kkyh gS ;k fooj.k xyr ik, x, gSa] rks ukekadu vLohdkj dj fn;k
tk,xkA

35
 Corporate Office : 254-260, Avvai Shanmugam Salai,
Royapettah, Chennai - 600 014.

NOTICE

NOTICE IS HEREBY GIVEN, that an Extraordinary General Meeting of the Shareholders of Indian Bank
th
will be held on Monday, the 30 November, 2020 at 11.00 a.m. through Video Conferencing (VC) / Other
Audio-Visual Means (OAVM) to transact the following business (es):

Agenda Item No. 1 (Special Resolution):

Appropriation of accumulated losses of `18,975.53 Crore from Share Premium Account of the
Bank.

To consider and if thought fit, to pass the following resolution as a Special Resolution:

"RESOLVED THAT pursuant to Section 3(2BBA) of The Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 ("the Act"), Section 17(2) of The Banking Regulation Act, 1949 (B R Act),
including any statutory amendments or re-enactments thereof, Nationalized Banks (Management and
Miscellaneous Provisions) Scheme, 1970 (“the Scheme”), as amended vide Government of India,
Gazette Notification No. CG-DL-E-23032020-218862 (S.O. 1200 E) dated March 23, 2020 referred to as
Nationalized Banks (Management and Miscellaneous Provisions) Amendment Scheme, 2020 and
subject to any other approval, if required, consent of the shareholders of the Bank be and is hereby
accorded to utilize an amount of `18,975,52,95,417.96 (Rupees eighteen thousand nine hundred seventy
five crore fifty two lakh ninety five thousand four hundred seventeen and paise ninety six only) out of an
amount aggregating to `19,833,14,85,004.17 (Rupees nineteen thousand eight hundred thirty three crore
fourteen lakh eighty five thousand four and paise seventeen only) being the balance standing to the credit
of 'Share Premium Account' as at April 01, 2020 by transfer to the accounts representing accumulated
losses under Reserves & Surplus of the Indian Bank, (Amalgamated Bank) for adjustment of the debit
balance (accumulated losses) aggregating to `18,975,52,95,417.96 (Rupees eighteen thousand nine
hundred seventy five crore fifty two lakh ninety five thousand four hundred seventeen and paise ninety six
only) as at April 01, 2020, reducing the debit balance in the Profit & Loss Account accordingly and take the
same into account during current Financial Year 2020-21."

“RESOLVED FURTHER THAT for the purpose of giving effect to the above resolution, the Board be and is
hereby authorized to do all such acts, deeds, matters and things as it may at its absolute discretion deem
necessary or desirable for effectively implementing the resolution and to settle any questions, difficulties
or doubts that may arise in this regard as it may in its absolute discretion deem fit."

Agenda Item No. 2

To elect one Director from amongst the shareholders of the Bank other than the Central Government in
terms of Section 9 (3)(I) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970
(hereinafter referred to as “the Act") read with the Banking Regulation Act, 1949 (hereinafter referred to as
“the B R Act”) and Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970
(hereinafter referred to as "the Scheme") and Indian Bank (Shares & Meetings) Regulations, 1999, as
amended (hereinafter referred to as "the Regulations") made pursuant to Section 19 of the Act and
Reserve Bank of India (‘Fit and Proper’ Criteria for Elected Directors on the Boards of PSBs) Directions,
2019 issued vide RBI/DBR/2019-20/71 Master Direction DBR. Appt. No: 9/29.67.001/2019-20 dated
August 02, 2019 read with RBI circular No. DBR. Appt. BC. No.39/29.39.001/2016-17 dated November
24, 2016 and further amendment thereto, if any (hereinafter referred to as "RBI Directions") and

36
Notification No.F.No.16/83/2013-BO.I dated 3rd September, 2013, F.No.16/51/2012-BO.I dated April 28,
2015 and dated July 20, 2016 of the Government of India read with the criteria laid down by the
Government of India for consideration as Non-Official Director of Public Sector Banks on March 25, 2015,
July 08, 2016 and any further amendment thereto, (hereinafter referred to as the "GOI Guidelines") and to
pass the following resolution with or without modification(s):-

"RESOLVED THAT one Director elected from amongst the shareholders of the Bank other than the
Central Government, pursuant to Section 9(3)(I) of the Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 read with Banking Regulation Act, 1949, relevant Scheme, Regulations made
there under, RBI Directions and Government Guidelines, be and is hereby appointed as Director of the
st
Bank for a period of three years from Monday, the 21 December 2020.

By order of the Board of Directors

Place : Chennai
(Padmaja Chunduru)
Date : 02.11.2020 Managing Director & CEO

NOTES:
1. EXPLANATORY STATEMENT (S):

The Explanatory Statement (s) setting out the material facts in respect of the business (es) of the meeting
is annexed hereto and form part of the Notice.

2. VOTING RIGHTS:

Agenda Item No. 1 - Appropriation of Accumulated Losses from Share Premium account:
rd
The Bank has fixed Monday, the 23 November, 2020 as the Cut-Off Date for determining the voting
rights of shareholders for the said agenda item.

In terms of sub-section (2E) of Section 3 of the Banking Companies (Acquisitions & Transfer of
Undertakings) Act, 1970, no shareholder of the corresponding new Bank, other than the Central
Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess
of ten per cent of the total voting rights of all the shareholders of the Bank.

Further, as per Regulation 10 of the Indian Bank (Shares and Meetings) Regulations, 1999, as amended,
if any share stands registered in the names of two or more persons, the person first named in the register
shall, as regards voting, be deemed to be the sole holder thereof. Thus, if shares are held in the names of
joint holders, then first named person is only eligible to nominate and contest.

Item No. 2- Election of Shareholder Director:

The Bank has fixed Tuesday, the 03rd November 2020 as the Specified Date for the purpose of
ascertaining eligibility of the shareholders to participate (nominate, contest and vote) in the election of
Directors from amongst the shareholders of the Bank other than the Central Government pursuant to
Section 9 (3) (i) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and other
applicable laws, rules, regulations, Reserve Bank of India Direction and Govt. of India Guidelines in this
regard and to exercise their voting rights on the agenda item of the Extraordinary General Meeting
pertaining to election of Shareholder Directors.

Subject to the restrictions under Section 3 (2E) of the Banking Companies (Acquisitions & Transfer of
Undertakings) Act, 1970, shareholder other than Central Government who has been registered as a
shareholder on the Specified Date will be entitled to vote in the Election of upto one Shareholder Director
of the Bank (Elections) and shall have one vote for each share held by him/her as on that Date.

37
3. APPOINTMENT OF PROXY:

As the Meeting is being conducted through VC/OAVM, Shareholder can attend and vote at the meeting
directly and there is no requirement to appoint a Proxy to attend or vote on his / her behalf.

In the event lockdown is lifted in entirety or assembly restrictions are eased and in the event the Meeting is
conducted at an Auditorium (Venue) and the Shareholders are entitled to attend the meeting,
Shareholders may appoint Proxies (other than the employees of the Bank) and submit the same to the
Company Secretary, Indian Bank, Investors' Services Cell, Wing 2-C, 2nd Floor, 254-260, Avvai
Shanmugam Salai, Royapettah, Chennai- 600 014 not less than FOUR DAYS before the date of the
Extraordinary General Meeting i.e. on or before the closing hours of the Bank on Wednesday, the
25th November, 2020.

4. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE:

No person shall be entitled to attend or vote at the meeting as a duly authorized representative of a
Company or any body corporate which is a shareholder of the Bank, unless a copy of the resolution
appointing him/her as a duly authorized representative, certified to be a true copy by the Chairman of the
meeting at which it was passed, has been deposited at the Corporate Office of the Bank with the Company
Secretary, Indian Bank, Investors' Services Cell, Wing 2-C, 2nd Floor, 254-260, Avvai Shanmugam Salai,
Royapettah, Chennai- 600 014 or a scanned certified to be a true copy of the aforesaid Resolution is
emailed to scrutinizer@snaco.net and a copy to investors@indianbank.co.in , not less than FOUR DAYS
before the date of the Extraordinary General Meeting i.e. on or before the closing hours of the Bank on
Wednesday, the 25th November, 2020

5. ATTENDANCE SLIP-CUM- ENTRY PASS :

As the Meeting is being conducted through VC/OAVM, no Attendance Slip is required to attend the EGM.

In the event lockdown is lifted in entirety or assembly restrictions are eased and in the event the Meeting is
conducted at the Auditorium and the Shareholders are entitled to attend the meeting, the Attendance Slip
Cum entry Pass will be made available at the Venue for the benefit of the Shareholders.

6. COMMUNICATION WITH REGISTRAR AND SHARE TRANSFER AGENT:

The Shareholders holding shares in physical form are requested to approach the Registrar and Share
Transfer Agent (RTA) of the Bank, to intimate changes, if any, in their registered address, to lodge request
for transmission, issue of duplicate share certificate, ECS Mandate etc. at the following address:-

Cameo Corporate Services Limited

(Unit : Indian Bank)
Subramanian Building
No.1, Club House Road
Chennai - 600 002
Tele:- 044-28460390/91/92/93/94 (5 Lines)
Email:-investor@cameoindia.com, cameo@cameoindia.com

In order to facilitate quick and efficient service to the shareholders, Indian Bank has set up an Investors'
Services Cell at its Corporate Office, Chennai. Shareholders and investors may contact this Cell at the
under mentioned addresses for any assistance:

The General Manager-CFO,
Indian Bank, Corporate Office
254-260, Avvai Shanmugam Salai,Royapettah,
Chennai- 600 014 Telephone No.-044-28134574
E-mail-cfo@indianbank.co.in
The Asst. General Manager & Company Secretary,
Indian Bank, Investors' Services Cell 254-260,
Avvai Shanmugam Salai, Royapettah,
Chennai - 600 014 Telephone No.044-28134698
Email-ibinvestorrelations@indianbank.co.in

7. GREEN INITIATIVE:

To support the ‘Green Initiative’, shareholders who have not yet registered/updated their email
addresses are requested to register/update the same with their DPs in case the shares are held by
them in electronic form and with Cameo Corporate Services Limited in case the shares are held by
them in physical form.

38
8. PROCESS FOR ATTENDING THE MEETING:
1. Shareholder will be provided with a facility to attend the EGM through VC/OAVM through the CDSL
e-Voting system. Shareholders may access the same at https://www.evotingindia.com under
shareholders/members login by using the remote e-voting credentials. The link for VC/OAVM will be
available in shareholder/members login where the EVSN of Bank will be displayed.
2. The Shareholders can join the EGM through the VC/OAVM mode 15 minutes before and after the
scheduled time of the commencement of the Meeting by following the procedure mentioned in the
Notice. The facility of participation at the EGM through VC/OAVM will be made available for 1,000
shareholders on first come first served basis
3. Shareholders are encouraged to join the Meeting through Laptops / iPads for better experience.
4. Further Shareholders will be required to allow Camera and use Internet with a good speed to avoid any
disturbance during the meeting.
5. Please note that Participants Connecting from Mobile Devices or Tablets or through Laptop
connecting via Mobile Hotspot may experience Audio/Video loss due to Fluctuation in their respective
network. It is therefore recommended to use Stable Wi-Fi or LAN Connection to mitigate any kind of
aforesaid glitches.
6. Shareholders who would like to express their views/ask questions during the meeting may register
themselves as a speaker by sending their request in advance on or before 23.11.2020 mentioning
t h e i r n a m e , d e m a t a c c o u n t n u m b e r / f o l i o n u m b e r, e m a i l i d , m o b i l e n u m b e r a t
investors@indianbank.co.in The shareholders who do not wish to speak during the EGM but have
queries may send their queries in advance on or before 23.11.2020 mentioning their name, demat
account number/folio number, email id, mobile number at investors@indianbank.co.in. These queries
will be replied to by the Bank suitably at the EGM or by email.
7. Those shareholders who have registered themselves as a speaker will only be allowed to express
their views/ask questions during the meeting.
8. The shareholders attending the EGM through VC/OAVM will be counted for the purpose of quorum.
9. EXERCISE OF VOTING RIGHTS THROUGH E-VOTING:
In terms of Regulation 44 of SEBI (Listing Obligations and Disclosure Requirements) Regulations,
2015, shareholders entitled to attend and vote at the meeting, can exercise their voting rights through
Remote e-voting.
Remote e-voting is optional.
The voting rights of the shareholders/beneficial owners shall be reckoned as under:
(a) For the Agenda Item No. 1 pertaining to appropriation of accumulated losses of `18,975.53 Crore from
Share Premium Account of the Bank, on the equity shares held by him/her as on 23.11.2020 (Cut-Off
Date fixed for the purpose).
(b) For the Agenda Item No. 2 pertaining to election of Shareholder Director, on the equity shares held by
him/her as on 03.11.2020 (Specified Date for the purpose).
The Bank has appointed Central Depository Services (India) Limited (CDSL) as agency for providing
the e-voting platform.
10.SCRUTINIZER FOR E-VOTING:
The Bank has appointed M/s S. N. Ananthasubramanian & Co., Company Secretaries as the
Scrutinizer for conducting the remote e-voting and voting at EGM process in a fair and transparent
manner.
11. PROCESS AND MANNER FOR E-VOTING:
The instructions for members for voting electronically are as under:-

The Electronic Voting Sequence Number (EVSN) –

Agenda item No. 1: Appropriation of accumulated losses from Share Premium Account 201103010
The Electronic Voting Sequence Number (EVSN) –
Agenda item No. 2: Election of one Director from amongst the shareholders of the 201103009
Bank,other than Central Government

39
(i) The voting rights of Shareholders shall be in proportion to their shares in the paid up equity share
capital of the Bank as on:
(a) 03.11.2020 (Specified Date for the purpose) for the Agenda Item pertaining to election of Shareholder
Director.
(b) 23.11.2020 (Cut-Off Date fixed for the purpose) for the Agenda Item pertaining to appropriation of
accumulated losses of `18,975.53 Crore from Share Premium Account of the Bank.
th
(ii) The Remote e-voting period will commence at 10.00 a.m. on 26 November, 2020 and will end at
5.00 p.m. on 29th November, 2020. The Remote e-voting module shall also be disabled by CDSL at
5.00 p.m. on the same day.
(iii) The shareholders should log on to the e-voting website www.evotingindia.com.
(iv) Click on “Shareholders” module.
(v) Now enter your User ID:
(a) For CDSL: 16 digits beneficiary ID,
(b) For NSDL: 8 Character DP ID followed by 8 Digits Client ID,
(c) Shareholders holding shares in Physical Form should enter Folio Number registered with the Bank.
OR
Alternatively, if you are registered for CDSL’s EASI/EASIEST e-services, you can log-in at
https://www.cdslindia.com from Login - Myeasi using your login credentials. Once you successfully
log-in to CDSL’s EASI/ EASIEST e-services, click on e-Voting option and proceed directly to cast
your vote electronically.
(vi) Next enter the Image Verification as displayed and Click on Login.
(vii) If you are holding shares in demat form and had logged on to www.evotingindia.com and voted on
an earlier e-voting of any company, then your existing password is to be used.
(viii) If you are a first time user follow the steps given below:

For Shareholders holding shares in Demat Form and Physical Form

PAN Enter your 10 digit alpha-numeric *PAN issued by Income Tax Department
(Applicable for both demat shareholders as well as physical shareholders).
*Shareholders who have not updated their PAN with the Bank/Depository Participant
are requested to use the sequence number sent by Bank/RTA or contact Bank/RTA.
Dividend Enter the Dividend Bank Details or Date of Birth (in dd/mm/yyyy format) as recorded
Bank Details in your demat account or in the Bank records in order to login.
If both the details are not recorded with the depository or Bank please enter the
OR Date of
member id / folio number in the Dividend Bank details field as mentioned in
Birth (DOB)
instruction (v).

(ix) After entering these details appropriately, click on “SUBMIT” tab.

(x) Shareholders holding shares in physical form will then directly reach the Company selection screen.
However, shareholders holding shares in demat form will now reach ‘Password Creation’ menu
wherein they are required to mandatorily enter their login password in the new password field.
Kindly note that this password is to be also used by the demat holders for voting for resolutions of
any other company on which they are eligible to vote, provided that company opts for e-voting
through CDSL platform. It is strongly recommended not to share your password with any other
person and take utmost care to keep your password confidential.
(xi) For shareholders holding shares in physical form, the details can be used only for e-voting on the
resolutions contained in this Notice.
(xii) Click on the EVSN for the relevant <Company Name> on which you choose to vote.
(xiii) On the voting page, you will see “RESOLUTION DESCRIPTION” and against the same the option
“YES/NO” for voting. Select the option YES or NO as desired. The option YES implies that you
assent to the Resolution and option NO implies that you dissent to the Resolution.

40
(xiv) Click on the “RESOLUTIONS FILE LINK” if you wish to view the entire Resolution details.

(xv) After selecting the resolution you have decided to vote on, click on “SUBMIT”. A confirmation box
will be displayed. If you wish to confirm your vote, click on “OK”, else to change your vote, click on
“CANCEL” and accordingly modify your vote.

(xvi) Once you “CONFIRM” your vote on the resolution, you will not be allowed to modify your vote.

(xvii) You can also take a print of the votes cast by clicking on “Click here to print” option on the Voting
page.

(xviii) If a demat account holder has forgotten the login password then Enter the User ID and the image
verification code and click on Forgot Password & enter the details as prompted by the system.

(xix) Shareholders can also cast their vote using CDSL’s mobile app “m-Voting”. The m-Voting app can
be downloaded from respective Store. Please follow the instructions as prompted by the mobile
app while Remote Voting on your mobile.

(xx) Note for Non-Individual Shareholders and Custodians:

• Non-Individual shareholders (i.e. other than Individuals, HUF, NRI etc.) and Custodians are
required to log on to www.evotingindia.com and register themselves in the “Corporates” module.

• A scanned copy of the Registration Form bearing the stamp and sign of the entity should be
emailed to helpdesk.evoting@cdslindia.com.

• After receiving the login details a Compliance User should be created using the admin login and
password. The Compliance User would be able to link the account(s) for which they wish to vote on.

• The list of accounts linked in the login should be mailed to helpdesk.evoting@cdslindia.com and on
approval of the accounts they would be able to cast their vote.

• A scanned copy of the Board Resolution and Power of Attorney (POA) which they have issued in
favour of the Custodian, if any, should be uploaded in PDF format in the system for the scrutinizer to
verify the same.

• Alternatively Non Individual shareholders are required to send the relevant Board Resolution/
Authority letter etc. together with attested specimen signature of the duly authorized signatory who
are authorized to vote, to the Scrutinizer and to the Bank at the email address viz;
murali@cameoindia.com and investors@indianbank.co.in, if they have voted from individual tab
& not uploaded same in the CDSL e-voting system for the scrutinizer to verify the same.

If case of any queries or issues regarding attending EGM and/or e-Voting from the e-Voting
System, please refer the Frequently Asked Questions (“FAQs”) and e-voting manual available at
www.evotingindia.com, under help section or write an email to helpdesk.evoting@cdslindia.com or
contact Mr. Nitin Kunder (022- 23058738 ) or Mr. Mehboob Lakhani (022-23058543) or Mr. Rakesh
Dalvi (022-23058542).

All grievances connected with the facility for voting by electronic means may be addressed to
Mr. Rakesh Dalvi, Manager, (CDSL, ) Central Depository Services (India) Limited, A Wing,
th
25 Floor, Marathon Futurex, Mafatlal Mill Compounds, N M Joshi Marg, Lower Parel (East),
Mumbai-400013 or send an email to helpdesk.evoting@cdslindia.com or call on 022-23058542/43.

(xxi) PROCESS FOR THOSE SHAREHOLDERS WHOSE EMAIL ID ARE NOT REGISTERED WITH
THE DEPOSITORIES FOR OBTAINING LOGIN CREDENTIALS FOR E-VOTING FOR THE
RESOLUTIONS PROPOSED IN THIS NOTICE:

(a) For Physical shareholders- please provide necessary details like Folio No., Name of shareholder,
scanned copy of the share certificate (front and back), PAN (self attested scanned copy of
PAN card), AADHAR (self attested scanned copy of Aadhar Card) by email to Bank/RTA
email id: murali@cameoindia.com.

(b) For Demat shareholders -, please provide Demat account detials (CDSL-16 digit beneficiary ID or
NSDL-16 digit DPID + CLID), Name, client master or copy of Consolidated Account statement,
PAN (self attested scanned copy of PAN card), AADHAR (self attested scanned copy of Aadhar
Card) to Bank/RTA email id: murali@cameoindia.com.

41
12. VOTING AT THE EGM:

After discussion on the agenda items, the Bank will conduct voting in respect of the agenda items.
Voting will be conducted and supervised by Scrutinizer(s) appointed for the purpose. The share
holder(s)/Proxy(ies)/Authorized Representative(s) attending the meeting through VC/OAVM or in
case physical meeting is held the shareholders present at the venue of the general meeting can
exercise their votes through voting process. However, the shareholders who have already cast
their votes through remote e-voting will not be entitled to participate in the voting process during the
meeting/at the venue of the meeting.

13. INSTRUCTIONS FOR SHAREHOLDERS FOR E-VOTING DURING THE EGM ARE AS
UNDER:-

1. The procedure for e-Voting on the day of the EGM is same as the instructions mentioned above for
Remote e-voting.

2. Only those shareholders, who are present in the EGM through VC/OAVM facility and have not
casted their vote on the Resolution through remote e-Voting and are otherwise not barred from
doing so, shall be eligible to vote through e-Voting system available during the EGM.

3. If any Votes are cast by the shareholders through the e-voting available during the EGM and if the
same shareholders have not participated in the meeting through VC/OAVM facility, then the votes
cast by such shareholders shall be considered invalid as the facility of e-voting during the meeting
is available only to the shareholders attending the meeting.

4. Shareholders who have voted through Remote e-Voting will be eligible to attend the EGM.
However, they will not be eligible to vote at the EGM.

14. RESULTS OF REMOTE E-VOTING AND E-VOTING AT EGM:

The Results of the voting during the meeting/at the meeting aggregated with the results of remote
e-voting will be announced by the Bank on its website and also informed to the stock exchanges.

By order of the Board of Directors

Place : Chennai
(Padmaja Chunduru)
Date : 02.11.2020 Managing Director & CEO

42
EXPLANATORY STATEMENT (S)
AGENDA ITEM NO. 1:

Appropriation of accumulated losses of `18,975.53 Crore from Share Premium Account of the Bank.

Reserves of Indian Bank (IB), erstwhile Allahabad Bank (e-AB) as on 31.03.2020 and of combined entity
as on 01.04.2020 are as below:
(Amount ` in crore)
Reserve Heads IB e-AB Combined
31.03.2020 31.03.2020 01.04.2020
Statutory Reserve 4,694.20 3,204.39 7,898.59
Revaluation Reserve 2,987.84 2,909.99 5,897.83
Capital Reserves - Others 388.55 476.75 865.30
Special Reserve U/S 36(1)(viii) 725.52 1,450.00 2,175.52
Special Reserve U/S 36(1)(viii a) 58.20 1.91 60.11
Revenue Reserve 7,448.29 3,221.79 10,670.08
General Reserve of All Bank Finance Ltd.,
(ABFL) the wholly owned subsidiary of
e-AB merged into e-AB in March 2018. 0.00 0.08 0.08
Profit/ (Loss) 99.16 -19131.97 -19,032.81
Profit/(Loss) of ABFL 0.00 57.28 57.28
Investment reserve 47.79 138.59 186.38
Share Premium 4,026.65 15,806.50 19,833.15
Investment Fluctuation Reserve 566.99 0.00 566.99
Foreign Currency Translation Reserve 437.26 0.00 437.26
Total 21,480.45 81,35.31 29,615.76
Amalgamation Reserve 0.00 0.00 4,006.92
Total 33,622.68

As per the opening Balance Sheet of the Indian Bank (amalgamated entity) as on April 01, 2020, an
amount of `19,833.15 crore is standing to the credit of Share Premium Account, as a result of earlier share
issues made at premium. Further, as on April 01, 2020, an aggregate amount of `18,975.53 is outstanding
as net accumulated losses under Reserves & Surplus of the amalgamated entity.

The Bank proposes to utilize the amount standing in the Share Premium Account for the purpose of setting
off the accumulated losses.

Accordingly, during the current Financial Year 2020-21, the Bank proposes to utilize an amount of
`18,975,52,95,417.96 (Rupees eighteen thousand nine hundred seventy five crore fifty two lakh ninety
five thousand four hundred seventeen and paise ninety six only) out of an amount of
`19,833,14,85,004.17 (Rupees nineteen thousand eight hundred thirty three crore fourteen lakh eighty
five thousand four and paise seventeen only) being the balance standing to the credit of 'Share Premium
Account' as on the Opening Balance Date of the amalgamated entity i.e. as on April 01, 2020, by transfer
of the credit balance in the Share Premium account to the debit balance (accumulated losses) of
`18,975,52,95,417.96 (Rupees eighteen thousand nine hundred seventy five crore fifty two lakh ninety
five thousand four hundred seventeen and paise ninety six only) in the Profit & Loss A/c and the Share
Premium account will accordingly get reduced.

The effect of the aforesaid proposed Share Premium Reduction, if approved and finalized, would be that
the accumulated losses, which as on April 01, 2020 stood `18,975,52,95,417.96 will be set off.

The Bank is of the view that this is the most practical and economically efficient option available to the
Bank in the present scenario so as to present a true and fair view of the financial position of the Bank.

The Bank will be able to represent its true financial position which would benefit shareholders as their
holding will yield better value and also enable the Bank to explore opportunities to the benefit of the

43
shareholders of the Bank including in the form of dividend payment as per the applicable provisions within
a reasonable timeframe. The proposal will also place the Bank in a better position to achieve its
Turnaround Plan in a time-bound manner.

The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970 provides for reducing its paid-
up capital by cancelling any paid-up capital which is lost, or is unrepresented by available assets. Further,
the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970 as amended by
(Nationalized Banks (Management and Miscellaneous Provisions) Amendment Scheme, 2020) allows a
nationalized bank to appropriate any sum from its share premium account by following the same
procedure for reduction of paid-up capital referred to in The Banking Companies (Acquisition & Transfer of
Undertakings) Act, 1970.

As the proposed utilization of Share Premium account of the Bank for the purpose of setting off
accumulated losses would be deemed to be a capital reduction, approval of the shareholders of the Bank
by way of a Special Resolution is being sought pursuant to provisions of Section 3(2BBA) of The Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970.

Section 17(2) of The Banking Regulations Act, 1949 provides that where the Bank appropriates any sum
or sums from the Share Premium account, it shall within twenty-one days from the date of such
appropriation, report the fact to the Reserve Bank of India, explaining the circumstances relating to such
appropriation. The Bank will comply with this requirement within the prescribed time period.

The reduction of Share Premium account which involves set off of debit balance in P&L account by
reducing the amount standing to the credit of the Share Premium account does not entail discharge of any
consideration by the Bank to its shareholders. Accordingly, the Bank's equity capital structure and
shareholding pattern post reduction of Share Premium account will remain unchanged. The Book Value of
the shares will also remain unchanged.
Shareholding Pattern:
Sl. No. Category Prior to the Reduction of After the Reduction of
Share Premium Account Share Premium Account
No. of Shareholding No. of Shareholding
shares held Percentage (%) shares held Percentage
(%)
A Promoter's Holding:
Government of India 994549600 88.06 994549600 88.06
Non Promoter
B 134816970 11.94 134816970 11.94
Holding: Public
Total 1129366570 100.00 1129366570 100.00

The rights of the shareholders and creditors are not prejudicially affected.

The Board of Directors has approved the above proposal of utilization of Share Premium account in the
best interests of the Bank and its shareholders and therefore recommends the same for approval by the
shareholders.
INTEREST OF DIRECTORS AND OTHER KEY MANAGERIAL PERSONS
None of the Directors and Key Managerial Persons of the Bank including their relatives is interested or
concerned in the aforementioned Resolution.
AGENDA ITEM NO. 2:
Election of one Shareholder Director:
Section 9 (3) (i) of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970 (The Act)
provides for election of Directors from amongst Shareholders other than the Central Government and the
section inter alia provides that one Director to be elected by the shareholders other than the Central
Government from amongst themselves, if the capital issued to public by the Bank is not more than 16% of total
paid-up capital.

44
Dr. Bharath Krishna Sankar was elected as shareholder Director and assumed office of Director on December
21, 2017 for a period of three years.Accordingly his three years term will expire on December 20, 2020.
As the public shareholding in the Bank is below 16% of the total paid-up capital of the Bank, the Bank is
entitled to elect one Shareholder Director.
With a view to fill the vacancy that will arise due to expiry of the tenure of the existing Shareholder Director,
an Extraordinary General Meeting of the Bank has been called for election of one Director representing
shareholders (other than the Central Government) of the Bank.
The shareholders (other than the Central Government) are therefore entitled to send their nominations as
per the procedure detailed in relevant Act/ Regulation Act/Scheme/Regulations/ RBI Directions/Directions
from the Central Government, the relevant extracts/portions of which have been reproduced elsewhere.
LEGAL PROVISIONS:
The following table indicates the provisions contained in various Acts/Regulation/ Scheme/Notifications
applicable in this regard:

ACT/SCHEME /
REGULATIONS/ PROVISIONS SHORTPARTICULARS
NOTIFICATIONS
The Banking Regulation Section 5 (ne) n Substantial Interest
Act, 1949 Section 16 (1) n Prohibition of common Directors
Section 20 n Restrictions for granting loan or
advance to or on behalf of any of its
directors
The Banking Section 3 (2E) n Restriction on voting rights
Companies (Acquisition Section 9(3)(I) n No. of directors to be elected by the
and Transfer of shareholders
Undertakings) Act, 1970
Section 9 (3A) (A) to (C) n Special knowledge in certain fields

Section 9(3AA) & n No person shall be eligible to be elected

as director unless he is a person having
Section 9(3AB) fit and proper status based upon track
record, integrity and such other criteria
as RBI may prescribe.
n Right of RBI to remove a director so
Section 9(3B) elected who does not fulfill the
requirements of Section 9(3A) and
9(3AA) of the said Act.

Section 13(2) n Obligation as to fidelity and secrecy

The Nationalized Banks Clause 9(4) n Term of office of elected directors

(Management and Clause 10 n Disqualifications from being elected as
Miscellaneous a Director of the Bank
Provisions) Scheme,
1970 Clause 11 n Vacation of office of Director

Clause 11A n Removal from office of an elected

Director
n Filling of casual vacancy in the office
Clause 11B of an elected Director
Clause 12(8) n Disclosure of interest by directors in
certain arrangements in which they are
interested.

45
 Indian Bank (Shares Regulation 10 n Exercise of rights of joint holders
and Meetings) Regulation 53 n Voting at General Meetings
Regulations, 1999, as Regulation 55 n Directors to be elected at General Meetings
amended
Regulation 56 n List of Shareholders
Regulation 57 n Nomination of candidates for election
Regulation 58 n Scrutiny of nominations
Regulation 59 n Election disputes
Regulation 60 n Determination of voting rights
Regulation 61 n Voting by duly authorized representative
Regulation 62 n Proxies
Reserve Bank of India (‘Fit Pursuant to Section Reserve Bank of India (‘Fit and Proper’
and Proper’ Criteria for 9(3AA) and Section Criteria for Elected Directors on the Boards
Elected Directors on the 9(3AB) of The Banking of PSBs) Directions, 2019.
Boards of PSBs) Directions, Companies
2019 issued vide (Acquisition and
RBI/DBR/2019-20/71 Transfer of
Master Direction DBR. Appt. Undertakings) Act,1970
No: 9/ 29.67.001/ 2019-20
datedAugust 02, 2019
rd
Letter dated 3 September, 2013 vide Ref GOI guidelines for appointment of
F.No.16/83/2013- (GOI), Ministry of Finance, p a r t - t i m e n o n - o f fi c i a l D i r e c t o r s i n
Department of Financial Services and Revised Public Sector Banks
Guidelines issued by the Government of India approved
by Appointment Committee of the Cabinet for
th
appointment of part time non official director dated 25
March 2015 forwarded vide GOI letter F.No.16/51/ 2012-
th
BO.I.dated 28 April 2015 and Revised Guidelines dated
th
8 July 2016 forwarded vide GOI letter F.No.16/51/ 2012-
th
BO.I. dated 20 July 2016 and subsequent amendments
thereto, if any.
RBI Master Circular RBI/2015-16/95 DBR Granting loans and advances to relatives
No.DIR.BC.10/13.03. 00/2015-16 datedJuly1st,2015 of Directors
SEBI (Listing Obligations and Disclosure Provisions relating to Independent Director
Requirements) Regulations, 2015

For the convenience of the shareholders, the relevant extracts from the Act, Regulation Act, the Scheme,
Regulation, Reserve Bank of India (‘Fit and Proper’ Criteria for Elected Directors on the Boards of PSBs)
Directions, 2019 issued vide RBI/DBR/2019-20/71 Master Direction DBR. Appt. No: 9/29.67.001/
2019-20 dated August 02, 2019 read with RBI circular No. DBR. Appt. BC. No.39/29.39.001/2016-17
dated November 24, 2016 and GOI Guidelines will be hosted on the Bank's website www.indianbank.in.
Such extracts will also be e-mailed to the intending candidates on receipt of a request addressed to the
Asst. General Manager & Company Secretary, Indian Bank, Investor Services Cell, Corporate Office,
254-260, Avvai Shanmugam Salai, Royapettah, Chennai- 600 014 on or before the last date fixed for
th
submission of nomination forms viz. Friday, the 13 November 2020.

PARTICIPATION IN ELECTION:

As already indicated earlier, those shareholders whose names appear on the Register of Shareholders/
rd
Beneficial Owners as on the Specified Date i.e., on Tuesday, the 03 November, 2020, shall be entitled to
participate i.e. nominate, contest and vote in election of directors from amongst Shareholders other than
the Central Government.

46
QUALIFICATIONS REQUIRED FOR BEING ELECTED AS A DIRECTOR OF THE BANK:

In terms of Section 9(3A) of the Act, a candidate, being a shareholder of the Bank and who desires to be
elected as Director of the Bank under Section 9(3)(i) of the Act shall

A. have special knowledge or practical experience in respect of one or more of the following matters
namely:-
i. Agricultural and rural economy
ii. Banking
iii. Co-Operation
iv. Economics
v. Finance
vi. Law
vii. Small scale industry
viii. any other matter the special knowledge of, and practical experience in which, would, in the opinion of
the Reserve Bank of India be useful to the Bank.
(RBI vide its circular no.DBR.Appt.BC.No.39/29.39.001/2016-17 dated November 24, 2016 has extended
the fields of specialization to include (i) Information Technology (ii) Payment & Settlement Systems (iii)
Human Resources (iv) Risk Management and (v) Business Management, for persons who could be
considered for appointment of director in the banks)
B. Represents the interest of depositors; or
C. Represents the interest of farmers, workers and artisans.
In terms of Section 9(3AA) of the Act, no person shall be eligible to be elected as Director under
Section 9 (3) (i) of the Act, unless he is a person having “Fit and Proper” status based on track record,
integrity and such other criteria as the Reserve Bank of India may notify from time to time in this regard.
Reserve Bank of India (RBI), in exercise of powers conferred on it under sub-sections (3AA) of Section 9 of
the Banking Companies (Acquisition & Transfer of Undertakings) Act 1970/1980 has issued notification
DBR. Appt. No: 9/29.67.001/2019-20 dated 02nd August 2019 laying down specific “Fit and Proper”
Criteria to be fulfilled by the persons being elected as directors on the Board of the Banks under the
provisions of Section 9 (3)(i) of the Banking Companies (Acquisition & Transfer of Undertakings) Act
1970/1980.
Further, the elected Directors will have to execute deed of covenants, be subjected to Code of Conduct of
the Bank and are required to furnish annual declarations as prescribed by the Reserve Bank of India/ other
regulatory authorities in this regard.
DISQUALIFICATIONS FROM BEING ELECTED AS A DIRECTOR OF THE BANK:
(A) In terms of Clause 10 of the Nationalized Banks (Management & Miscellaneous Provisions) Scheme,
1970, a person shall be disqualified for being appointed, as and for being a Director:
i) if he has at any time been adjudicated an insolvent or has suspended payment or has compounded
with his creditors; or
ii) if he has been found to be of unsound mind and stands so declared by a competent court; or
iii) if he has been convicted by criminal court of an offence which involves moral turpitude; or
iv) if he holds any office of profit under any nationalized Bank or State Bank of India constituted under
sub-section (1) of Section 3 of the State Bank of India, Act, 1955 or any Subsidiary Bank as defined in
Section 3 of the State Bank of India (Subsidiary Banks) Act, 1959, except for holding the post of whole time
Director, including the Managing Director and Directors nominated under clauses (e) and (f) of
sub-section (3) of Section 9 of the Act from among the employees of the Bank and
(B) If he is not found to be ‘Fit and Proper’ person in terms of Reserve Bank of India (‘Fit and Proper’
Criteria for Elected Directors on the Boards of PSBs) Directions, 2019 issued vide RBI/DBR/2019-20/71
Master Direction DBR. Appt. No: 9/29.67.001/2019-20 dated August 02, 2019 read with the criteria laid
down by the Central Government for consideration as a Non-official Director in Public Sector Banks, by the
Nomination and Remuneration Committee of the Board of the Bank.

47
LIST OF SHAREHOLDERS:

As provided in Regulation 56 of the Indian Bank (Shares and Meetings) Regulations, 1999, as amended, a
copy of the List of Shareholders (in electronic form i.e. CD/Pen Drive or such other media) will be available
at Corporate Office of the Bank at Investor Services Cell 254-260, Avvai Shanmugam Salai, Royapettah,
th
Chennai- 600 014, from Friday 06 November 2020 onwards for purchase by Shareholders on payment of
`50,000 (Rupees fifty thousand only) by Demand Draft/Inter Office Instrument/Pay Order of Scheduled
Bank in favour of “Indian Bank” payable at Chennai. The candidates desirous of purchasing the said list
shall have to give a request letter addressed to “The Asst. General Manager & Company Secretary, Indian
Bank, Corporate Office, Investor Services Cell, 254-260, Avvai Shanmugam Salai, Royapettah, Chennai-
600 014 with an undertaking that the list will be used in canvassing for the election and shall not be used for
any other purpose whatsoever.

INSPECTION OF THE REGISTER OF SHAREHOLDERS:

The Register of Shareholders will be open for inspection by the shareholders at the Corporate Office, Investor
Services Cell, 254-260,Avvai Shanmugam Salai, Royapettah, Chennai- 600 014 on all working days (other than
Sundays, 2nd & 4th Saturdays and Bank Holidays) i.e. Monday to Saturday between 3.00 p.m. to 5.00 p.m.

If any shareholder requires a copy or computer print of select/part information, the same shall be supplied
to him on prepayment at the rate of `5/-(Rupees five only) for every 1,000 words or fractional part thereof
required to be copied.

NOMINATION OF CANDIDATES FOR ELECTION:

I. VALIDITY OF NOMINATIONS:

In terms of Regulation 57 of Indian Bank (Shares & Meetings) Regulations, 1999, as amended, RBI
Directions and GOI Guidelines and any further amendment thereto or such other directives as may
be issued from time to time for being elected as a director, nomination of a candidate for election as a
Director shall be valid provided:

a) He/she is a shareholder holding not less than 100 (One hundred) shares of the Bank as on Tuesday,
rd
the 03 November 2020 being the Specified Date fixed for the purpose of determining the eligibility of
shareholders for participating in the election and continues to hold a minimum of 100 shares till the
date of the meeting and thereafter till the end of his/her tenure, if he/she is elected.
th
b) As on Friday, the 13 November, 2020, being the last date for receipt of nomination, he/she is not
disqualified to be Director under the Act/ Regulation Act/Scheme/ Regulation / RBI Directions/GOI
Guidelines.

c) The nomination is in writing signed by at least one hundred shareholders entitled to elect Directors
under the Act or by their duly constituted attorney, provided that a nomination by shareholder who is a
company may be made by a resolution of the Directors of the said Company and where it is so made,
a copy of the resolution certified to be true copy by the Chairman of the meeting at which it was
passed shall be dispatched / deposited to the Corporate Office of the Bank addressed to the General
Manager-CFO, Corporate Office, 254-260, Avvai Shanmugam Salai, Royapettah, Chennai- 600 014
and such copy shall be deemed to be a nomination on behalf of such Company.
d) The nominations is accompanied by or contain a declaration signed by the candidate before a Judge/
Magistrate/Registrar or Sub-Registrar of Assurances /other Gazetted Officer/an officer of the
Reserve Bank of India / any Nationalized Bank, that he/she accepts the nomination and is willing to
stand for election, and that he / she is not disqualified either under the Act/Regulation Act/Scheme/
Regulation /RBI Directions/applicable GOI guidelines from being a Director along with his/her
personal details (bio-data) duly signed and affirming to the effect that such details are true to the best
of his/her knowledge and belief and also his/her undertaking to keep the Bank fully informed as soon
as possible of such events which are relevant to the information, subsequent to the declaration.
e) The nomination forms and declaration form are as prescribed by the Regulation and as per the
proforma annexed to this Notice (The proforma is also available on the Bank's website
www.indianbank.in along with full Notice).
th
f) As on Friday, the 13 November,2020 being the last date for receipt of nominations, he / she is not
disqualified under the Banking Regulation Act, 1949 or the Act, the Scheme, Regulations, RBI
Directions, GOI Guidelines or such other directives as may be issued from time to time for being elected
as a Director.

48
II. SUBMISSION OF NOMINATION FORMS:

Shareholders desirous of contesting the election of the Directors of the Bank from amongst the
shareholders, other than the Central Government, should submit:

a. Duly filled in Declaration Form;

b. Nominations from minimum of one hundred shareholders entitled to participate in the election;

c. Personal Information, Declaration and Undertaking in the formats annexed to the Notice together
with the connected documents, testimonials, viz. self attested copies of Bio-data, Certificate of
Educational Qualifications, Experience, etc. in formats annexed to this Notice, in a sealed envelope
to the General Manager-CFO, Corporate Office, 254-260, Avvai Shanmugam Salai, Royapettah,
Chennai- 600 014, on any working day not less than fourteen days before the date fixed for the
Extraordinary General Meeting i.e., on or before closing hours of the Bank at 5.00 p.m., on Friday, the
13th November 2020.

The said nomination forms and other documents should be complete in all respects failing which, the
nominations are liable to be rejected.

III. SCRUTINY OF NOMINATIONS AND ELECTION OF DIRECTORS:

a) The scrutiny of Nominations shall commence on Monday, the 16th November 2020, i.e. the first
working day following the last date fixed for the receipt of the nominations and in case any nomination
is not found to be valid, the same shall be rejected after recording the reasons there for.

b) Valid Nominations shall also be subjected to scrutiny by the Nomination & Remuneration Committee
(NRC) of the Board in terms of the RBI Directions and GOI Guidelines. As the restrictions imposed by
RBI Direction/Notification and GOI Guidelines are similar in nature, the Bank may consider the
stricter of the two while determining the Fit & Proper status of the Candidates.

c) The Bank may at the time of scrutiny of Nominations or as advised by the NRC of the Board seek
further information, documents from the candidates in support of his / her candidature.

d) If there are only one valid nomination for the one vacancy to be filled by the election, the candidates so
nominated shall be deemed to be elected forthwith and his / her name and address shall be published
as so elected. In such an event, agenda item relating to Election of Shareholder Directors will not be
taken up at the Extraordinary General Meeting. The newly elected directors will assume office on the
date of vacancy i.e. December 21, 2020.

e) If there are more than one valid nominations, the names of the candidates shall be published in the
newspapers and Election will be held and the candidate in receipt of the majority of the votes in his/her
favour i.e. aggregate of remote e-voting and voting at the meeting will be deemed to have been
elected and his/her name will be announced and also published in newspapers.

IV. WITHDRAWAL OF CANDIDATURE :

If any candidate desires to withdraw his/her nomination, he/she would be entitled to do so at any time
th
prior to closing hours of the Bank i.e., on or before 5.00 p.m. Tuesday, the 24 November, 2020 by
sending a letter addressed to the General Manager-CFO, Corporate Office, 254-260, Avvai
Shanmugam Salai, Royapettah, Chennai-600 014 by email at cfo@indianbank.co.in, followed by
dispatch of the same by Courier/Speed Post/ Registered Post.

V. VOTING PROCESS AT / DURING THE EGM

The voting on the agenda items at/during the EGM shall be done through E Voting and will commence
immediately after an announcement is made by the Chairman of the meeting. The number of votes will be
rd
equivalent to the number of shares held by them on 03 November 2020, the Specified Date.

The tabulation of votes would be taken up thereafter and result will be announced by the Chairman of the
Meeting or any other Official of the Bank authorized in this behalf..

VI. DISPUTES:

If there is any dispute, the same will be settled as per Regulation 59 of the Indian Bank (Shares &
Meetings) Regulations, 1999, as amended.

49
VII. EXTRACTS:
Extracts of the relevant portions of the applicable Act/Regulation Act/Scheme/Regulations/RBI
Directions/GOI Guidelines are reproduced hereinafter for the benefit of the shareholders.
INTEREST OF DIRECTORS:
Directors of the Bank to the extent of their shareholding and such Director who file his nomination may be
deemed to be concerned or interested in the aforesaid item of business.
ELECTION OF DIRECTORS - EXTRACTS OF RELEVANT ACTS, SCHEME AND REGULATIONS,
ETC.
The provisions regarding Election of Shareholder Directors and number of such Directors to be elected by
the shareholders other than the Central Government are contained in Section 9(3)(I) of the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970.
The relevant Sections of the Banking Regulations Act, 1949, the Banking Companies (Acquisition and
Transfer of Undertakings) Act, 1970, the Nationalized Banks (Management & Miscellaneous Provisions)
Scheme, 1970 and the relevant regulations of Indian Bank (Shares and Meetings) Regulations, 1999, as
amended, RBI's Fit and Proper Criteria issued vide RBI Notification No. 46 and 47 /29.39.001/2007-08
dated 01.11.2007 read with Notification No. DBOD. BC.No.95/ 29.39.001/2010-11 dated 23.05.2011and
Guidelines for selection of part-time Non-official Director (GOI Guidelines) dated 01.06.2011 revised on
25.03.2015 and 08.07.2016 and made applicable to the Shareholder Directors vide GOI Office
Memorandum dated 03.09.2013 are reproduced below for the information of the shareholders.
THE BANKING REGULATION ACT, 1949
Substantial Interest - Section 5(ne):
(i) in relation to a company, means the holding of a beneficial interest by an individual or his spouse or
minor child, whether singly or taken together in the shares thereof, the amount paid-up on which exceeds
five lakh of rupees or ten per cent of the paid- up capital of the company, whichever is less;
(ii) in relation to a firm, means the beneficial interest held therein by an individual or his spouse or minor
child, whether singly or taken together which represents more than ten per cent of the total capital
subscribed by all the partners of the said firm.
Prohibition of Common Directors - Section 16(1):
No Banking Company incorporated in India shall have as a Director on its Board of Directors, any person
who is a Director of any other Banking Company.
Restrictions on Loans and Advances - Section 20:
1) Notwithstanding anything to the contrary contained in Section 77 of the Companies Act, 1956
(1 of 1956), no Banking Company shall-
a) grant any loans or advances on the security of its own shares, or
b) enter into any commitment for granting any loan or advance to or on behalf of-
(i) any of its Directors
(ii) any firm in which any of its Directors is interested as partner, manager, employee or guarantor, or
(iii) any company not being a subsidiary of the Banking Company or a Company registered under Section
25 of the Companies Act, 1956 (1 of 1956), or a Government Company of which or the subsidiary or the
holding company of which any of the Directors of the Banking Company is a Director, Managing Agent,
Manager, Employee or guarantor or in which he holds substantial interest, or
(iv) any individual in respect of whom any of its Directors is a partner or guarantor.
2) Where any loan or advance granted by a Banking Company is such that a commitment for granting it
could not have been made if Clause (b) of sub-section (1) had been in force on the date on which the loan
or advance was made or is granted by a Banking Company after the commencement of Section 5 of the
Banking Laws (Amendment) Act, 1968 (58 of 1968), but in pursuance of a commitment entered into before
such commencement, steps shall be taken to recover the amounts due to the Banking Company on
account of the loan or advance together with interest, if any, due thereon within the period stipulated at the
time of the grant of loan or advance or where no such period has been stipulated, before the expiry of one
year from the commencement of the said Section 5; Provided that the Reserve Bank may, in any case on

50
application in writing made to it by the Banking Company in this behalf, extend the period for the recovery
of the loan or advance until such date, not being a date beyond the period of three years from the
commencement of the said Section 5 and subject to such terms and conditions, as the Reserve Bank may
deem fit :

Provided further that this sub-section shall not apply if and when the Director concerned vacates the office
of the Director of the Banking Company, whether by death, retirement, resignation or otherwise.

3) No loan or advance, referred to in sub-section (2), or any part thereof shall be remitted without the previous
approval of the Reserve Bank, and any remission without such approval shall be void and of no effect.

4) Where any loan or advance referred to in sub-section (2), payable by any person, has not been repaid to
the Banking Company within the period specified in that sub-section, then, such period shall, if he is a
Director of such Banking Company on the date of the expiry of the said period, be deemed to have vacated
his office as such on the said date.

Explanation in this Section:

n “Loan or advance” shall not include any transaction which the Reserve Bank of India may, having
regard to the nature of the transaction, the period within which, and the manner and circumstances in
which, any amount due on account of the transaction is likely to be realized, the interest of the
depositors and other relevant considerations, specify by general or special order as not being a loan
or advance for the purpose of this Section;

n “Directors” includes a member of any Board or Committee in India constituted by Banking Company
for the purpose of managing or for the purpose of advising it in regard to the management of all or any
of its affairs.

5) If any question arises whether any transaction is a loan or advance for the purpose of this Section, it
shall be referred to the Reserve Bank, whose decision thereon shall be final.

Further, any reference made under aforesaid provisions pertaining to the Companies Act, 1956 shall be
suitably construed as references made under relevant provisions under the Companies Act, 2013.

THE BANKING COMPANIES (ACQUISITION AND TRANSFER OF UNDERTAKINGS) ACT, 1970

Restrictions on Voting Rights:

Section 3(2E): No shareholder of the corresponding new Bank other than the Central Government shall
be entitled to exercise voting rights in respect of any shares held by him in excess of ten per cent of the total
voting rights of all the shareholders of the corresponding new Bank.

Composition of the Board of Directors:

Section 9(3) (i): Where the capital issued under clause (c) of sub-section (2B) of Section 3 is:-

a) not more than sixteen per cent of the total paid up capital, one Director

b) more than sixteen per cent, but not more than thirty two per cent of the total paid up capital, two
Directors.

c) more than thirty two per cent of the total paid-up capital, three Directors to be elected by the
shareholders other than the Central Government from amongst themselves.

Provided that on the assumption of charge after election of any such director under this clause, equal
number of directors nominated under clause (h) shall retire in such manner as may be specified in the
Scheme.

Provided further that in case the number of directors elected, on or before the commencement of the Banking
Companies (Acquisition and Transfer of Undertakings) and Financial Institutions Laws (Amendment) Act,
2006, in a corresponding new Bank exceed the number of directors specified in sub-clause (I) or sub-clause
(II) or sub-clause (III), as the case may be, such excess number of directors elected before such
commencement shall retire in such manner as may be specified in the scheme and such directors shall not be
entitled to claim any compensation for the premature retirement of their term of office.

51
Section :9(3A): The Directors to be elected under the said clause (i) shall-

(A) have special knowledge or practical experience in respect of the one or more of the following matters,
namely-

i. Agricultural and rural economy

ii. Banking

iii. Co-operation

iv. Economics

v. Finance

vi. Law

vii. Small scale industry

viii. any other matter the special knowledge of, and practical experience in which, would, in the opinion of
the Reserve Bank of India be useful to the Bank.

(RBI vide its circular no.DBR.Appt.BC.No.39/29.39.001/2016-17 dated November 24, 2016 has extended
the fields of specialization to include (i) Information Technology (ii) Payment & Settlement Systems (iii)
Human Resources (iv) Risk Management and (v) Business Management, for persons who could be
considered for appointment of director in the banks)

(B) Represent the interests of depositors; or

(C) Represent the interest of farmers, workers and artisans

Section 9(3AA): Without prejudice to the provision of sub-section 3(A) and notwithstanding anything to
the contrary contained in the Act or in other law for the time being in force, no person shall be eligible to be
elected as a Director under Clause (i) of Sub-Section (3) unless he is a person having 'fit and proper status'
based upon the track record, integrity and such other criteria as the Reserve Bank of India may notify from
time to time in this regard.

Section 9(3AB): The Reserve Bank of India may also specify in the notification issued under sub-section
3(AA), the Authority to determine the 'Fit and Proper' status, the manner of such determination, the
procedure to be followed for such determination and such other matters as may be considered necessary
or incidental thereto.

Section 9(3B): Where the Reserve Bank is of the opinion that any Director of a corresponding new Bank
elected under clause (i) of sub-section (3) does not fulfill the requirements of sub-section (3A) and (3AA), it
may after giving to such Director and the Bank a reasonable opportunity of being heard, by order, remove
such Director and on such removal, the Board of Directors shall co-opt any other person fulfilling the
requirement of sub-section (3A) and (3AA) as a Director in place of the person so removed till a Director is
duly elected by the shareholders of the corresponding new Bank in the next Annual General Meeting and
the person so co-opted shall be deemed to have been duly elected by the shareholders of the
corresponding new Bank as a Director.

Obligation as to Fidelity and Secrecy:

Section 13(2): Every Director, member of a local Board or a Committee, or Auditor, Advisor, Officer or
other employee of a corresponding new Bank shall before entering upon his duties, make a declaration of
fidelity and secrecy in the form set out in the Third Schedule.

THE NATIONALISED BANKS (MANAGEMENT AND MISCELLANEOUS PROVISIONS)

SCHEME, 1970

Term of office of elected Director:

Clause 9(4) :

An elected Director shall hold office for three years and shall be eligible for re-election. Provided that no
such Director shall hold office continuously for a period exceeding six years.

52
Disqualification of Directors:

Clause 10 :
A person shall be disqualified for being appointed as and for being a Director:-
a) if he has at any time been adjudicated an insolvent or has suspended payment or has compounded
with his creditors; or
b) if he has been found to be of unsound mind and stands so declared by a competent court; or
c) if he has been convicted by criminal court of an offence which involves moral turpitude; or
d) if he holds any office of profit under any Nationalized Bank or State Bank of India constituted under
sub-section (1) of Section 3 of the State Bank of India Act, 1955 or any Subsidiary Bank as defined in
Section 3 of the State Bank of India (Subsidiary Banks) Act, 1959, except for holding the post of a
whole-time Director, including the Managing Director and Directors nominated under clauses (e) and
(f) of sub-section (3) of Section 9 of the Act from amongst the employees of the corresponding new
Bank.
Vacation of office of Directors:
Clause 11:
1. If a Director becomes subject to any of the disqualifications specified in clause 10 or is absent without
leave of the board for more than three consecutive meetings thereof, he shall be deemed to have
vacated his office as such and thereupon his office shall become vacant.
2. The Chairman or a whole-time Director including the Managing Director or a Director referred to in
clause (b) or clause (c) or clause (d) of sub section 3 of Section 9 of the Act may resign his office by
giving notice thereof in writing to the Central Government and on such resignation being accepted by
that Government shall be deemed to have vacated his office; and any other Director may resign his
office by giving notice thereof in writing to the Central Government and such resignation shall take
effect on the receipt of the communication of the resignation by the Central Government.
3. Without prejudice to the provision of the foregoing sub-clauses, the office of a Director referred to in
clause (e) or clause (f) of sub-section 3 of Section 9 of the Act shall become vacant as soon as the
Director ceases to be a workman or an employee other than workman of the Nationalized Bank of
which he is a Director.
4. Where any vacancy occurs in the office of a Director other than an elected Director, it shall be filled in
accordance with sub-section (3) of Section 9 of the Act.
Removal from office of an elected Director
Clause 11A :
The shareholders, other than the Central Government, may, by a resolution passed by the majority of the
votes of such shareholders holding in the aggregate, not less than one half of the share capital held by all
such shareholders, remove any Director elected under Clause (i) of the sub-section (3) of Section 9 and
elect in his stead another person to fill the vacancy.
Filling of vacancy in the office of an elected Director
Clause 11B :
1. Where any vacancy occurs before the expiry of the term of office of an elected Director, the vacancy
shall be filled by election.
Provided that where the duration of vacancy is likely to be less than six months, the vacancy may be
filled by the remaining Directors
2. A person elected or co-opted, as the case may be, under sub clause (1) shall hold office for the
unexpired portion of the term of his predecessor.
Disclosure of interest by Directors:
Clause 12(8):
A Director who is directly or indirectly concerned or interested in any contract, loan, arrangement or
proposal entered into or proposed to be entered into by or on behalf of the Nationalized Bank shall, as

53
 soon as possible after the relevant circumstances have come to his knowledge disclose the nature of
his interest to the Board and shall not be present at the meeting of the Board when any such contract,
loan, arrangement or proposal is discussed unless his presence is required by the other Directors for
the purpose of eliciting information and no Director so required to be present shall vote on any such
contract, loan, arrangement or proposal :

Provided that nothing contained in this sub-clause shall apply to such Director by reason only of his
being:

i. a shareholder (other than a Director) holding not more than two percent of the paid up capital in any
public Company as defined in the Companies Act, 1956 (1 of 1956), or any Corporation established
by or under any law for the time being in force in India or any Co-operative society, with which or to
which the Nationalized Bank has entered into or made, or proposed to enter into or make, a contract,
loan, arrangement or proposal; or

ii. an officer or other employee of the Nationalized Bank, if he is a director referred to in clause (e) or
clause (f) of sub-section (3) of Section 9 of the Act.

INDIAN BANK (SHARES AND MEETINGS) REGULATIONS, 1999, AS AMENDED

Exercise of rights of joint holders:

Regulation 10:

If any share stands in the names of two or more persons, the person first named in the register shall as
regards voting, receipt of dividends, service of notices and all or any other matters connected with Indian
Bank except the transfer of shares be deemed to be the sole holder thereof.

Directors to be elected at general meeting: Regulation 55:

i. A Director under clause (i) of sub-section 3 of Section 9 of the Act shall be elected by the shareholders
on the register, other than the Central Government, from amongst themselves in the General Meeting
of the Bank.

ii. Where an election of a Director is to be held at any general meeting, the notice thereof shall be
included in the notice convening the meeting. Every such notice shall specify the number of directors
to be elected and the particulars of vacancies in respect of which the election is to be held.

List of shareholders:

Regulation 56:

i. For the purpose of election of a Director under sub-regulation (i) of Regulation 55 of these regulations,
a list shall be prepared of shareholders on the register by whom the director is to be elected.

ii. The list shall contain the names of the shareholders, their registered addresses, the number and
denoting numbers of shares held by them with the dates on which the shares were registered and the
number of votes to which they will be entitled on the date fixed for the meeting at which the election will
take place and copies of the list shall be available for purchase at least three weeks before the date
fixed for the meeting at a price to be fixed by the Board or the Management Committee, on application
at the Head Office.

Nomination of candidates for election:

Regulation 57:

i. No nomination of a candidate for election as a director shall be valid unless,

a) he/she is a shareholder holding not less than 100 (One hundred) shares in Indian Bank.

b) he/she is on the last date for receipt of nomination, not disqualified to be a Director under the Act or
under the Scheme.

c) he/she has paid all calls in respect of the shares of the Bank held by him, whether alone or jointly with
others, on or before the last date fixed for the payment of the call;

54
d) the nomination is in writing signed by atleast one hundred shareholders entitled to elect Directors
under the Act or by their duly constituted attorney, provided that a nomination by a shareholder who is
a Company may be made by a resolution of the Directors of the said Company and where it is so
made, a copy of the resolution certified to be a true copy by the Chairman of the meeting at which it
was passed shall be dispatched to the Head Office of the Bank and such copy shall be deemed to be a
nomination on behalf of such Company;
e) the nomination accompanies or contains a declaration signed by the candidate before a Judge,
Magistrate, Registrar or Sub-Registrar of Assurances or other Gazetted Officer or an Officer of the
Reserve Bank of India or any Nationalized Bank, that he accepts the nomination and is willing to stand
for election, and that he is not disqualified either under the Act or the Scheme or these regulations
from being a Director.
ii. No nomination shall be valid unless it is received with all the connected documents complete in all
respects and received, at the Head office of Indian Bank on a working day not less than fourteen days
before the date fixed for the meeting.
Scrutiny of nominations: Regulation 58:
i. Nominations shall be scrutinized on the first working day following the date fixed for receipt of
nominations and in case any nomination is not found to be valid, the same shall be rejected after
recording the reason thereof. If there is only one valid nomination for any particular vacancy to be
filled by election, the candidate so nominated shall be deemed to be elected forthwith and his name
and address shall be published as so elected. In such an event there shall not be any election at the
meeting convened for the purpose and if the meeting had been called solely for the purpose of the
aforesaid election it shall stand cancelled.
ii. In the event of an election being held, if valid nominations are more than the number of Directors to be
elected, the candidate polling the majority of votes shall be deemed to have been elected.
iii. A Director elected to fill an existing vacancy shall be deemed to have assumed office from the date
following that on which he is or is deemed to be elected.
Election disputes:
Regulation 59:
i. if any doubt or dispute shall arise as to the qualification or disqualification of a person deemed, or
declared to be elected, or as to the validity of the election of a Director, any person interested, being a
candidate or shareholder entitled to vote at such election, may, within seven days of the date of the
declaration of the result of such election, give intimation in writing thereof to the Chairman and
Managing Director of the Bank and shall in the said intimation give full particulars of the grounds upon
which he doubts or disputes the validity of the election.
ii. On receipt of an intimation under sub-regulation (i) the Chairman and Managing Director or in his
absence, the Executive Director of the Bank shall forthwith refer such doubt or dispute for the decision
of a committee consisting of the Chairman and Managing Director or in his absence, the Executive
Director and any two of the Directors nominated under clauses (b) and (c) of sub-section (3) of
Section 9 of the Act.
iii. The committee referred to in sub-regulation (ii) shall make such enquiry as it deems necessary and if
it finds that the election was a valid election, it shall confirm the declared results of the election, or if it
finds that the election was not a valid election, it shall, within thirty days of the commencement of the
enquiry, make such order and give such directions including the holding of fresh election as shall in
the circumstances appear just to the committee.
iv. An order and direction of such committee in pursuance of this regulation shall be conclusive.
Voting Rights of Shareholders:
Regulation 60:
Determination of voting rights:
i. Subject to the provisions contained in Section 3 (2E) of the Act, each shareholder who has been
registered as a shareholder on the date of the closure of the register prior to the date of a general
meeting shall, at such meeting, have one vote on show of hands and in case of a poll shall have one
vote for each share held by him.

55
ii. Subject to the provisions contained in Section 3 (2E) of the Act, every shareholder entitled to vote as
aforesaid who, not being a Company, is present in person or by proxy or who being a Company is
present by a duly authorized representative, or by proxy shall have one vote on a show of hands
and in case of a poll shall have one vote for each share held by him as stated herein above in
sub-regulation (I).

Explanation- for this chapter, "Company" means any Body Corporate.

Shareholders of the Bank entitled to attend and vote at a general meeting shall be entitled to appoint
another person (whether a shareholder or not) as his proxy to attend and vote instead of himself; but a
proxy so appointed shall not have any right to speak at the meeting.

Voting by duly Authorized Representative:

Regulation 61:

i. A shareholder, being the Central Government or a Company, may by a resolution, as the case may
be, authorize any of its officers or any other person to act as its representative at any general meeting
of the shareholders and the person so authorized (referred to as a "duly authorized representatives"
in these regulations) shall be entitled to exercise the same powers on behalf of the Central
Government or the Company which he represents, as if he were an individual shareholder of the
Bank. The authorization so given may be in favour of two persons in the alternative and in such a case
any one of such persons may act as a duly authorized representative of the Central Government/
Company.

ii. No person shall attend or vote at any meeting of the shareholders of the Bank as the duly authorized
representative of the Company unless a copy of the resolution appointing him as a duly authorized
representative certified to be a true copy by the Chairman of the meeting at which it was passed shall
have been deposited at the Head Office of the Bank not less than four days before the date fixed for
the meeting.

Proxies:

Regulation 62:

i. No instrument of proxy shall be valid unless, in the case of an individual shareholder, it is signed by
him/her or by his/ her attorney, duly authorized in writing, or in the case of joint holders, it is signed by
the shareholder first named in the register or his/her attorney, duly authorized in writing, or in the case
of a body corporate signed by its officer or an attorney duly authorized in writing.

Provided that an instrument of Proxy shall be sufficiently signed by any shareholder, who is, for any
reason, unable to write his/her name, if his/her mark is affixed thereto and attested by a Judge,
Magistrate, Registrar or Sub- Registrar of Assurances or other Government Gazetted Officer or an
Officer of the Indian Bank.

ii. No proxy shall be valid unless it is duly stamped and a copy thereof deposited at the Head Office of the
Bank or at any other place duly notified by the Bank in this regard, not less than FOUR DAYS before
the date fixed for the meeting, together with the Power of Attorney or other authority (if any) under
which it is signed or a copy of that Power of Attorney or other authority certified as a true copy by a
Notary Public or a Magistrate, unless such a power of attorney or the other authority is previously
deposited and registered with the Bank.

iii. No instrument of the proxy shall be valid unless it is in Form "B”

iv. An instrument of proxy deposited with the Bank shall be irrevocable and final.

v. In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than
one Form shall be executed.

vi. The grantor of an instrument of proxy under this regulation shall not be entitled to vote in person at the
Meeting to which such instrument relates.

vii. No person shall be appointed as duly authorized representative or a proxy who is an officer or an
employee of Indian Bank.

viii. All alterations in the Proxy Form should be duly authenticated.

56
RESERVE BANK OF INDIA (‘FIT AND PROPER’ CRITERIA FOR ELECTED DIRECTORS ON THE
BOARDS OF PSBS) DIRECTIONS, 2019:

Reserve Bank of India (RBI), in exercise of powers conferred on it under sub-sections (3AA) of Section 9 of
the Banking Companies (Acquisition & Transfer of undertakings) Act 1970/1980 notified Reserve Bank of
India (‘Fit And Proper’ Criteria for Elected Directors on the Boards of PSBs) Directions, 2019 vide their
Notification No. RBI/DBR/2019-20/71 Master Direction DBR. Appt. No: 9/29.67.001/2019-20 dated
August 02, 2019.

SALIENT FEATURES OF THE RBI DIRECTIONS:

The Authority, Manner/ Procedure and Criteria for deciding the “Fit and Proper” status etc., are as under:

(a) Authority:

All the nationalized banks are required to constitute a “Nomination and Remuneration Committee”
(Committee) consisting of a minimum of three non-executive directors from amongst the Board of
Directors out of which not less than one-half shall be independent directors and should include at least one
member from Risk Management Committee of the Board, for undertaking a process of due diligence to
determine the 'fit and proper' status of the persons to be elected as directors under clause (i) of sub-section
(3) of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980. The
Government of India nominee director and the director nominated under section 9(3)(c) of the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980 shall not be part of the Committee.
The non-executive Chairperson of the bank may be appointed as a member of the Committee but shall not
chair such Committee. The Board should also nominate one among them as Chairman of the Committee.
The quorum required is three, including the Chairman. In case the absence of any nominated member
results in want of quorum, the Board may nominate any other non-executive director in his place for the
meeting. At the time of constituting the Committee, the Board can decide on its tenure.

(b) Manner and procedure:

The banks shall obtain necessary information, and a declaration & undertaking, in the format annexed
(Annex 1), from the persons who file their nominations for election. The Committee shall meet after the last
date prescribed for acceptance of nominations and determine whether or not the person's candidature
should be accepted, based on the criteria mentioned below. The Committee's discussions shall be
properly recorded as formal minutes of the meeting and the voting, if done, shall also be noted. Based on
the information provided in the signed declaration, the Committee shall decide on the acceptance or
otherwise of the candidature and shall make references, where considered necessary, to the appropriate
authority / persons, to ensure that the candidate conforms to the requirements indicated.

(c) Criteria:

The Committee shall determine the 'fit and proper' status of the proposed candidates based on the broad
criteria mentioned hereunder:

(i) Age-The candidate’s age should be between 35 to 67 years as on the cut-off date fixed for
submission of nominations for election.

(ii) Educational qualification-The candidate should at least be a graduate.

(iii) Experience and field of expertise-The candidate shall have special knowledge or practical
experience in respect of one or more of the matters enumerated in section 9(3A)(A) of the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, as the case may be, read with
RBI Circular DBR.Appt.BC No 39/29.39.001/2016-17 dated November 24, 2016.

(iv) Disqualifications: In addition to ‘Disqualifications of Directors’ as prescribed in Section 22 of the SBI

Act, 1955 / Clause 10 of Nationalised Banks (Management and Miscellaneous Provisions) Scheme,
1970/80:

(a) The candidate should not be a member of the Board of any bank or the Reserve Bank or a Financial
Institution (FI) or an Insurance Company or a NOFHC holding any other bank.

Explanation: For the purpose of this sub-para and sub-para (c), the expression “bank” shall include a
banking company, a corresponding new bank, State Bank of India, a co-operative bank and a regional
rural bank.

57
(b) A person connected with hire purchase, financing, money lending, investment, leasing and other para
banking activities shall not be considered for appointment as elected director on the board of a PSB.
However, investors of such entities would not be disqualified for appointment as directors if they do
not enjoy any managerial control in them.

(c) No person may be elected/ re-elected on the Board of a bank if he/she has served as director in the past on
the board of any bank (It includes the bank in which he/she has served as director in the
past)/FI/RBI/Insurance Company under any category for six years, whether continuously or intermittently.

(d) The candidate should not be engaging in the business of stock broking.

(e) The candidate should not be holding the position of a Member of Parliament or State Legislature or
Municipal Corporation or Municipality or other local bodies (other local bodies means bodies such as
Notified Area Council, City Council, Panchayat, Gram Sabha, Zila Parishad, etc.

(f) The candidate should not be acting as a partner of a Chartered Accountant firm which is currently
engaged as a Statutory Central Auditor of any nationalised bank or State Bank of India.

(g) The candidate should not be acting as a partner of a Chartered Accountant firm which is currently engaged
as Statutory BranchAuditor or ConcurrentAuditor of the bank in which nomination for election is filed.

(v) Tenure-An elected director shall hold office for three years and shall be eligible for re-election:
Provided that no such director shall hold office for a period exceeding six years, whether served
continuously or intermittently.

(vi) Professional Restrictions-

(a) The candidate should neither have any business connection (including legal services, advisory
services etc.) with the concerned bank nor should be engaged in activities which might result in a
conflict of business interests with that bank.

(b) The candidate should not be having any professional relationship with a bank or any NOFHC holding
any other bank.

(c) Provided that a candidate having any such relationship with a bank at the time of filing nomination for
election shall be deemed to be meeting the requirement under item (b), the candidate shall submit a
declaration to the Committee that such relationship with the bank shall be severed if he is elected as a
director, and upon being elected, severs such relationship before appointment as a director of the bank.

(vii) Track record and integrity-The candidate should not be under adverse notice of any regulatory or
supervisory authority/agency, or law enforcement agency and should not be a defaulter of any
lending institution.

The banks shall obtain from the elected director:

(a) a Deed of Covenant executed in the format annexed (Annex 2), before such person assumes office of
director; Fit & Proper Criteria for Elected Directors on the Boards of Public Sector Banks
st
(b) a simple declaration every year as on 31 March to the effect that the information already provided by
such person has not undergone any change.

(c) Where the elected director informs that there is change in the information provided earlier, the bank
shall obtain from such director a fresh Annex 1 incorporating the changes.

The banks shall also ensure compliance to Section 20 of the Banking Regulation Act, 1949. In addition,

(a) Put in place a system of safeguards, including proper disclosure of the elected CA director’s/his firm’s
clients, and not participating in bank’s credit/investment decisions involving his/firm’s clients. The
elected CA director should be required to compulsorily Disassociate himself from the entire process
and sign a covenant to this effect.

(b) Require the elected director to make a full and proper disclosure of his interests and directorships in
business entities, with the director personally distancing himself from and not participating in the
bank’s credit/investment decisions involving entities in which he is interested.

(c) Not allot any professional work to a person who was an elected director of that bank, for a period of
two years after demitting office as such director.

58
Where the elected director:

(a) fails to:

(i) submit the Deed of Covenant or declaration; or

(ii) make proper disclosures; or

(iii) refrain from participating in credit/investment decisions, where he is interested; or

(b) makes incomplete or incorrect disclosures, or

(c) involves in such activities that render him/her ‘not fit and proper’ as per the criteria mentioned above,

such director shall be deemed to be not fulfilling the requirements of sub-section (3AA) of section 9 of the
Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980 and shall be liable for the
consequences thereof.

The Committee shall adopt the revised criteria stated above while scrutinizing the nomination of
candidates seeking election as new directors (appointment/re-appointment). However, existing elected
directors may be allowed to complete their current terms as per the pre-revised criteria.

GUIDELINES FOR SELECTION OF PART-TIME NON-OFFICIAL DIRECTOR:

rd
GOI, vide its letter dated 3 September 2013 advised that the Nomination Committee of the Board may
keep in mind guidelines issued by GOI for Non Official Directors (NOD), while determining "Fit and Proper
th
Status" of the Shareholder Directors also. The GOI has forwarded revised guidelines dated 25 March
th th
2015 to Public Sector Banks vide its letter dated 28 April 2015 and amendments dated 8 July 2016 vide
its letter dated 20th July 2016, the gist of which are as under:

A) GENERAL :

1. Nominations will be made keeping in view the provisions of the relevant Acts/Rules.

2. The suitability of nominees may be assessed in terms of formal qualification and expertise, track
record, integrity etc. For assessing integrity and suitability, information on criminal records, financial
position, civil actions undertaken to pursue personal debts, refusal of admission to or expulsion from
professional bodies, sanctions applied by regulators and similar bodies and previous questionable
business practices etc. will be relied upon.

B) EXPERIENCE :

1. Persons with special academic training or practical experience in the fields of agriculture, rural
economy, banking, cooperation, economics, business management, human resources, finance,
corporate law, risk management, industry and IT will ordinarily be considered. 20 years of industry
experience at a senior position, established expertise in respective areas (successfully led a reputed
organization, brought turnaround in a failing organization) would be preferred.

2. Retired senior Government officials with total experience of 20 years and minimum 10 years of
experience at Joint Secretary and above level. Retired CMDs/EDs of Public Sector Banks after one
year of retirement. The ex-CMDs/ EDs will not be considered for appointment as NOD on the Board of
the PSB from which they have retired. Serving CMDs/EDs of PSB will not be considered as NOD on
the Board of any other PSB.

3. Academicians Directors of premier Management Banking Institutes and Professors having more
than 20 years of experience.

4. Chartered Accountants with 20 years' experience (excluding audit experience) would also be
preferred.

5. However, the experience criteria may be relaxed with the approval of the Finance Minister in
exceptional cases based on merits of the case.

6. As far as possible representation may also be given to women and the persons belonging to SC/ST
community.

59
C) EDUCATION :

An NOD should at least be a graduate in any stream preferably with specialization in Business
Management, Risk Management, Finance, Human Resources and IT.

D) AGE :

The age of the Director, on the date of recommendation by Search/Nomination Committee should not be
more than 67 years.

E) WORK EXPERIENCE :

Professionals/academicians should ordinarily have 20 years of work experience in their particular field.

F) DISQUALIFICATIONS :

1. A director already on a Bank/Financial Institution (FIs)/RBI/Insurance Company, under any category,

may not be considered for nomination as NOD in any other Bank/FI/RBI/Insurance Company.

2. Persons connected with hire purchase, financing investment, leasing and other para-banking
activities, MPs, MLAs, MLCs and Stock Brokers will not be appointed as non-official directors on the
boards of Banks/Fls/RBI/Insurance Companies. Investors in a hire purchase, financing investment,
leasing and other para banking activities would not be disqualified for appointment as NOD, if they are
not having any managerial control in such companies.

3. No person may be re- nominated as an NOD on the Board of a Bank/Fl/RBI/Insurance Company on

which he/she has served as Director in the past under any category for two terms or six years
whichever is longer.

4. A Chartered Accountant if his/her firm is currently engaged in any Public Sector Bank as a Statutory
Central Auditor.

5. A Chartered Accountant if his/her firm is currently engaged in the Bank as a Statutory Branch Auditor
or Concurrent Auditor.

G) TENURE :

An NOD would not be considered for nomination as a Director on the Board of a Bank/Fl/RBI/Insurance
Company if such Director has already been a NOD/ Shareholder-Director on the board of any other
Bank/Fl/RBI/Insurance Company for six years, whether continuously or intermittently.

H) PROFESSIONAL RESTRICTION :

The issue of professional restriction vis-à-vis office of profit in any Public Sector Bank under clause 10(d)
of the Nationalized Banks Scheme (Management and Miscellaneous Provisions) Scheme, 1970 may be
separately examined.

I) REGIONAL REPRESENTATION :

Efforts should be made to ensure representation of all the six zones of the country-North, South, East,
West, Central and North-East on the boards of Public Sector Banks taken together.

As restriction imposed by RBI Direction and GOI Guidelines are similar in nature, the Bank may consider
the stricter of the two while determining the Fit & Proper status of the Candidates

By order of the Board of Directors

Place : Chennai
(Padmaja Chunduru)
Date : 02.11.2020 Managing Director & CEO

60
 Please
Affix
Corporate Office : 254-260, Avvai Shanmugam Salai, your
Royapettah, Chennai - 600 014. Photograph

Name of Bank: Indian Bank

‘Declaration and Undertaking’ by a
proposed Director (Candidate) (with appropriate enclosures)

Sr No Particulars Information Disclosed

I. Personal Details

1. Name in full First Name Middle Name Last Name

2. Father’s name
3. Gender (M/F/others)
4. Present address
5. E-mail address & alternate e-mail
address: Telephone Number with STD
code: Mobile Number:
6. Nationality
7. Date of Birth (dd/mm/yyyy) and Age - - / - - / - - - - Age: - - years - - months
8. Educational qualifications
9. Director Identification Number (DIN)
10. Aadhaar Number (Optional)
11. (a) Permanent Account Number (PAN)
(b) Charge where the proposed director Date of filing Amount of tax paid (INR)
is assessed to tax (Income Tax
jurisdiction)/ name and address of
Income Tax Circle/Ward
(c) Details of filing of return(s) and
payment of taxes for past 3 years
12. Permanent address

13. Details in the form of a brief write up on the

relevant knowledge or experience in respect
of one or more of the matters namely
accountancy, agriculture and rural economy,
banking, co-operation, economics, finance,
law, small scale industry, information
technology, payment and settlement
systems, human resources, risk
management, business management or any
other matter the special knowledge of and
practical experience of which would in the
opinion of the Reserve Bank be useful to the
Banking Company.

61
14. Present occupation (designation, name
of the organization and brief write-up on
experience)
15. Previous occupation covering minimum
of past ten years, with complete address
of the organization(s) worked in, date of
joining, date of relieving (including
reasons), designation, etc.
16. In case a Chartered Accountant, indicate
the following:
(a) Membership Number of Institute of
Chartered Accountants of India
(ICAI):
(b) Date of registration with the ICAI:
(c) Name and Address of the registered
firm/s:
(d) Details of the Audit(s) presently
undertaken by the firm(s) or by you:
17. Name of the banker(s) with Branch Bank Branch Type A/c
and Account Numbers (savings / Name of A/c Number
current / loan accounts) where you are
a primary account holder:

18. Details of shareholding, if held in any

entity, either in physical or
dematerialized form, by you, spouse,
and your minor child.
(attach demat/shareholding
certificate)
19. Any other information relevant
to directorship of the bank:
20. List of relatives, [Refer Section 2(77) of
the Companies Act, 2013 and Rule 4 of
the Companies (Specification of
Definition) Rules, 2014] if any, who are
connected with any bank:
21. List of entities in which:
(a) Interested [Refer Section184 of the
Companies Act, 2013]:
(b) beneficial ownership [Refer Section
89 of Companies Act, 2013 as also the
applicable Significant Beneficial
Ownership Rules of MCA]:
(c) Trustee (also mention any other
relationship with reference to a trust):

62
 22. List of entities, existing and proposed, in Name of the company /
which holding substantial interest within firm
the meaning of Section 5(ne)* of the Country of incorporation
Banking Regulation Act, 1949.
Number of shares
Face Value of each share
Total face value of share
holding
Shareholding as % of total
Paid up Capital
Beneficial interest (in
value as well as % terms)
Whether the entity is a
Section 8 Company under
Companies Act, 2013
23. Details of holdings in entities
incorporated abroad and having a place
of business in India.
24. Name of Bank/NBFC/any other company
in which currently or in the past a
member of the Board/ Advisor etc. (giving
details of period during which such office
is being/ was held).

*substantial interest" (i) in relation to a company, means the holding of a beneficial interest by an individual
or his spouse or minor child, whether singly or taken together, in the shares thereof, the amount paid up on
which exceeds five lakhs of rupees or ten percent of the paid-up capital of the company, whichever is less;
(ii) in relation to a firm, means the beneficial interest held therein by an individual or his spouse or minor
child, whether singly or taken together, which represents more than ten per cent of the total capital
subscribed by all the partners of the said firm.

25. If connected with any entity undertaking

hire purchase, financing, investment,
leasing and other para banking activities
(nature of association to be
mentioned), details thereof.
26. If a stock broker or connected with any
entity engaged in share broking activities,
details thereof.
27. Details of fund and non-fund-based facilities,
if any, presently availed in person and/or by
entities listed in (21) to (26) above.
28. Cases, if any, where as an individual or
the entities listed at (21) to (26) above
have defaulted or declared as willful
defaulter in the past in respect of credit
facilities Obtained from a bank/NBFC/
any other lending institution.

63
III. Records of professional achievements
29. Professional achievements relevant for
the directorship.
IV. Proceedings, if any, against the proposed director
30. (a) As a member of a professional
association / body, details of disciplinary
action, if any, pending or commenced or
resulting in conviction in the past or
whether been banned from entry at any
Profession /occupation at any time,
details thereof.
(b) If subject of any written complaint or
accusation regarding individual
professional conduct or activities, details
thereof.
31. Details of prosecution, if any, pending or
commenced or resulting in conviction of
self or the entities listed at (21) to (26)
above for violation of economic laws and
regulations.
32. Details of criminal prosecution, if any,
pendingor commenced or resulting
in conviction.
33. If indulged in any breach of AML/CFT
guidelines, details thereof.
34. If attracting any of the disqualifications
envisaged under Section 164 of the
Companies Act, 2013, details thereof.
35. If adjudicated insolvent or has
suspended payment or has compounded
with creditors, details thereof.
36. If found to be of unsound mind and
stands so declared by a competent
Court, details thereof.
37. (a) If convicted by a Criminal Court of an
offence which involves moral turpitude or
otherwise, details thereof.
(b) If convicted by any Court of law,
details thereof?
38. If holding any office of profit under any
nationalized bank or State Bank of India,
except for holding the post of a whole-
time director, details thereof.
39. If as an individual or any of the entities at
(21) to (26) above have been subject to
any investigation/vigilance/ matters of
enquiry from any of the previous
employers or government departments or
agency, details thereof.

64
 40. If found guilty of violation of
rules/regulations / legislative
requirements by Customs/excise/ income
tax / foreign exchange/ other revenue
authorities, details thereof.
41. If reprimanded, censured, restricted,
suspended, barred, enjoined, or
otherwise sanctioned by any regulator
such as SEBI, IRDAI, PFRDA etc.,
professional organization, government
agency, or court because of professional
conductor activities, details thereof.
(Though it shall not be necessary for a
candidate to mention in the column about
orders and findings which have been
later on reversed/ set aside in toto, it
would be necessary to make a mention
of the same, in case the reversal/ setting
aside is on technical reasons like
limitation or lack of jurisdiction, and not
on merit. If the order is temporarily
stayed and the appellate/ court
proceedings are pending, the same also
should be mentioned).
42. If a professional like Chartered
Accountant, Advocate etc. and presently
undertaking/ undertaken any professional
work in any bank, provide details thereof
including the name of the bank and
period of association with the bank.
43. If a sitting MP/MLA/MLC or holding
political position in Municipal Corporation
or Municipality or other local bodies,
provide details thereof.
VI. In the interest of disclosure and transparency,
should there be any other information relevant for
assessing 'fit and proper', provide details
thereof.
Undertaking
I confirm that the above information is to the best of my knowledge and belief, true and complete. I
undertake to keep the bank fully informed, as soon as possible, of all events which take place after my
appointment which are relevant to the information provided above.
I also undertake to execute a ‘Deed of Covenant’ as required to be executed with the bank.
Place : Signature of proposed Director (Candidate)
Date :
Remarks of Nomination and
Remuneration Committee (NRC) of
having satisfied itself that the above
information is true and complete.
Place : Signature of the Chair of the NRC
Date :

65
 Corporate Office : 254-260, Avvai Shanmugam Salai, Royapettah, Chennai - 600 014.

Declaration
(By the Candidate)
I,………………………………........................................................................son/daughter/wife of
Shri/Smt.…..…… ………………………....................……………………a resident of
…………………………………………….……………………….………………………….………………
….....hereby confirm that :
b. I am a Shareholder holding ……………… equity shares of face value of `10/- each of the Bank under
Folio No. ................./ DPID No........................../Client ID No........................ as on Tuesday, the 03rd
November 2020, i.e., the Specified Date for participating in the election, and undertake to hold the
shares till the end of the tenure, if elected as a Director of the Bank;
c. *I have special knowledge or practical experience in (i) agriculture and rural economy, (ii) banking,
(iii) co-operation, (iv) economics, (v) finance (vi) law, (vii) small scale industry, (viii) the special
knowledge of IT/Payment & Settlement Systems/Human Resources/Risk Management/Business
Management etc. or any other matter and practical experience of which in the opinion of Reserve
Bank of India would be useful to the Bank) and I represent the interest of the depositors or farmers,
workers and artisans, in terms of sub-section 3A of Section 9 of the Act and as an evidence thereof, I
submit herewith the relevant testimonials, and
(*Delete whichever is not applicable.)
d. I accept the nominations numbering …………………….; and
e. I am willing to contest for the election of Director of Indian BANK; and
f. I am not disqualified from being a director of the Bank under the provisions of the Banking Regulations
Act, 1949, the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, the
Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970, Indian Bank
(Shares & Meetings) Regulations, 1999, as amended, relevant Notifications issued by RBI and
Guidelines issued by GOI with regard to Non Official Directors of Public Sector Banks and
g. I am not disqualified under Section 164 of the Companies Act, 2013; and
h. I neither hold any office of profit nor I am an employee of any Nationalized Bank or State Bank of India
constituted under sub-section (1) of Section 3 of the State Bank of India Act, 1955 or any Subsidiary
Bank as defined in Section 3 of the State Bank of India (Subsidiary Banks) Act, 1959.
I further declare that:
i. I have not been at any time adjudicated as an insolvent or have suspended payment or has
compounded with my creditors; and
j. I have not been found of unsound mind and stands so declared by a competent court and have not
been convicted by a Criminal Court of an offence which involves moral turpitude; and
k. I have not been declared as proclaimed offender by any Economic Officer or Judicial Magistrate or
High Court or any other court; and
l. I have not been a Director on the Board of this Bank, in the past, under any category for two terms or
six years whichever is longer; and
m. I will severe professional relationship, if any, with the Bank forthwith on getting elected and will not
undertake any professional relationship with the Bank during my tenure as Director and for a period of
two years thereafter; and
n. I am not a member of the Board of any bank or the Reserve Bank or a Financial Institution (FI) or an
Insurance Company or a NOFHC holding any other bank.

66
o. I am not connected with hire purchase, financing, money lending, investment, leasing and other para
banking activities;
p. I have not served as director in the past on the board of any bank/FI/RBI/Insurance Company under
any category for six years, whether continuously or intermittently.
q. I am not engaging in the business of stock broking.
r. I am not holding the position of a Member of Parliament or State Legislature or Municipal Corporation
or Municipality or other local bodies (other local bodies means bodies such as Notified Area Council,
City Council, Panchayat, Gram Sabha, Zila Parishad, etc.)
s. I am not acting as a partner of a Chartered Accountant firm which is currently engaged as a Statutory
Central Auditor of any nationalised bank or State Bank of India.
t. I am not acting as a partner of a Chartered Accountant firm which is currently engaged as Statutory
Branch Auditor or Concurrent Auditor of the Indian Bank in which nomination for election is filed.
u. I neither have any business connection (including legal services, advisory services etc.) with the
Indian Bank nor I am engaged in activities which might result in a conflict of business interests with
Indian Bank.
v. I am not having any professional relationship with a bank or any NOFHC holding any other bank and
undertake sever the relationship with the Bank if elected before assuming charge as a director.
w. I am not under adverse notice of any regulatory or supervisory authority/agency, or law enforcement
agency and I am not defaulter of any lending institution.
x. I undertake to execute Deed of Covenant (in the prescribed format of RBI circular dated 02.08.2019)
before assuming office as a director;
y. I undertake to keep the Bank fully informed, as soon as possible, of events, if any, which take place
subsequent to this declaration which are relevant to the information provided hereto and to execute
the Deed of Covenants upon my election as a Director of the Bank; and
z. I undertake to comply with the relevant provisions of the SEBI (Listing Obligations and Disclosures
Requirements) Regulations, 2015, as amended till I hold the position as a Director of the Bank; and
aa. I enclose my personal details which are to the best of my knowledge and belief true and complete in all
respects, and

Name of the Company / Bank Directorship details viz. tenure, period etc.

(add additional sheets if necessary) (Delete whichever is not applicable.)

Place : Signature:
Date :
Name :
The above declaration signed before me.

Signature with Seal of Judge, Magistrate, Registrar or Sub-Registrar

of Assurance, or other Gazetted Officer or an officer of the Reserve
Bank of India or Indian Bank or any Nationalized Bank.

(Delete whichever is not applicable.)

Signature & Seal with date

67
 Corporate Office : 254-260, Avvai Shanmugam Salai, Royapettah, Chennai - 600 014.

NOMINATION FORM
(BY THE SHAREHOLDER)
To, Serial No………….......................
The Managing Director & CEO,
Indian Bank, Corporate Office
254-260, Avvai Shanmugam Salai,
Royapettah, Chennai- 600 014

Dear Sir/Madam,

ELECTION OF DIRECTORS

With reference to your Notice dated ………, 2020 I,……………………………........................……… a

shareholder of Indian Bank holding……………………..........…………equity shares of face value of `10/-
each as on Tuesday, the 03rd November 2020, being the Specified Date considered for participating in the
election, do hereby nominate

Shri/Smt………………….........................……………..........................................................………………
son/daughter/wife of ………..................................................................Residing
at……............………………….………………………. ………………………………………., for being
elected as a Director of Indian Bank representing the shareholders of the Bank as provided in Section
9(3)(i) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 at
the Extraordinary General Meeting of the Shareholders of the Bank to be held on Monday, the
th
30 November 2020.

Signature

Name

No. of shares

Regd. Folio No./ DP ID & Client ID

Place

Date

Notes:

1) In case nomination is made a Body Corporate, the Nomination Form should be accompanied by a
certified true copy of the resolution passed at the meeting of the Board of Directors under the
signature of the Chairman of the meeting at which it was passed.

2) Signature of the shareholders nominating the candidature should match with the specimen signature
available with the Registrar and Share Transfer Agent of the Bank. (As recorded in the Register of
Shareholders/Depository Records).

3) If any of the columns above is left blank or the particulars are found to be incorrect, the nomination is
liable to be rejected.

68