1.

cSad ds y{;] dFku vkSj ewY;

Bank's Vision, Mission and Values

fotu
esjk Hkkjrh; LVsV cSad A
esjk xzkgd loZizFke A
esjk Hkkjrh; LVsV cSad % xzkgd&larqf"V esa vxz.khA

fe'ku
ge vius xzkgdksa ds lkFk rRijrk] fouezrk vkSj lfÿ;rk ls is'k vk,axAs
ge ;qok Hkkjr dh Hkk"kk cksyasxAs
ge ,sls mRikn vkSj lsok,a rS;kj djsaxs tks gekjs xzkgdksa dks mudh y{;&izkfIr
esa lgk;d gksA
gekjs xzkgd ewY;oku gSa] bldk vuqHko djkus ds fy, ge viuh M~;wVh dh
lhekvksa ls vkxs tk,axAs
ge ns'k ds nwjLFk Hkkxksa esa Hkh lsok iznku djsaxAs
fons'k&fLFkr yksxksa dks Hkh ge oSlh gh loksRZ œ"V lsok iznku djsxa ]s tSlh Hkkjrokfl;ksa
dks iznku djrs gSAa
mRœ"Vrk gkfly djus ds fy, ge vR;k/kqfud izk| S ksfxdh viuk,axAs

ewY;
ge lnSo bZekunkj] ikjn'khZ vkSj uSfrd jgaxs As
ge vius xzkgdksa vkSj lg;ksfx;ksa dks lEeku nsaxAs
ge Kku izfs jr gksaxAs
ge KkuktZu djsaxs vkSj vius Kku dks ckaWVasxAs
ge dHkh lqfo/kkoknh ekxZ ugha viuk,axAs
ftl leqnk; esa ge dke djrs gS]a mls ;ksxnku nsus ds fy, ge lc&dqN djsxa As
ge Hkkjr esa xoZ dk fodkl djsaxAs

[1]
 cSad ds y{;] dFku vkSj ewY;
Bank's Vision, Mission and Values

Vision
My SBI.
My Customer first.
My SBI : First in customer satisfaction.

Mission
We will be prompt, polite and proactive with our customers.
We will speak the language of young India.
We will create products and services that help our customers
achieve their goals.
We will go beyond the call of duty to make our customers feel
valued.
We will be of service even in the remotest part of the country.
We will offer excellence in services to those abroad as much as we
do to those in India.
We will imbibe state of the art technology to drive excellence.

Values
We will always be honest, transparent and ethical.
We will respect our customers and fellow associates.
We will be knowledge driven.
We will learn and we will share our learning.
We will never take the easy way out.
We will do everything we can to contribute to the community we
work in.
We will nurture pride in India.

[2]
 2. Hkkjrh; LVsV cSad dh vk/kkjf'kyk
Hkkjrh; LVsV cSad dk vkfniwoZt ^cSad vkWQ dydŸkk* Fkk ftlus
2 twu] 1806 ls viuk dk;Z izkjEHk fd;k FkkA 2 tuojh] 1809 dks cSd a
vkWQ dydŸkk dk u;k ukedj.k ^cSd a vkWQ caxky* ds :i esa gqvkA ns'k ds
lkekftd vkSj vkfFkZd okrkoj.k esa ifjorZu dks ns[krs gq, 15 viSzy]
1840 dks ^cSd a vkWQ ckWEcs* vkSj 1 tqykbZ] 1843 dks ^cSd a vkWQ enzkl*
dh LFkkiuk gqbZA bu rhuksa cSda ksa dks ^^izslhMSl
a h cSd
a ** ds uke ls tkuk tkrk
a ksa dks feykdj 27 tuojh] 1921 dks ^bEihfj;y cSd
FkkA bu rhuksa cSd a
vkWQ bf.M;k* dh LFkkiuk dh xbZA
o"kZ 1954 esa Jh ,-Mh- xksjsokyk dh v/;{krk esa flvf[ky Hkkjrh;
xzkeh.k Ω.k losZ lfefrfi xfBr dh xbZ ,oa lfefr }kjk dh x;h flQkfj'kksa
ds vk/kkj ij laln }kjk ebZ 1955 esa flLVsV cSd a vkWQ bf.M;k vfËkfu;e]
1955fi ikfjr fd;k x;kA 1 tqykbZ] 1955 dks bEihfj;y cSd a vkWQ
bf.M;k dk Hkkjrh;dj.k dj LVsV cSd a vkWQ bf.M;k (Hkkjrh; LVsV cSda )
cuk;k x;kA bl rjg 1 tqykbZ] 1955 dks flHkkjrh; LVsV cSd a fi dk tUe
gqvkA blhfy, ge izfro"kZ 1 tqykbZ dks LVsV cSd
a fnol ds :i esa eukrs gSAa
ekuuh; iwoZ foŸk ea=h MkW- tkWu eFkkbZ] cSd
a ds igys v/;{k fu;qDr
fd;s x;sA 31 ekpZ] 2011 dks cSd a ds fuorZeku v/;{k Jh vkseizdk'k
HkÍ dh lsokfuo`fŸk ds i'pkr Jh izrhi pkS/kjh us 07 viSzy] 2011 dks
gekjs cSd
a ds v/;{k dk inekj xzg.k fd;k gSA
Hkkjrh; LVsV cSd
a dk u;k 'kh"kZ izc/a ku fuEu izdkj gS %µ
Jh izrhi pkS/kjh µ v/;{k (Chairman)
Jh vkj- Jh/kju µ izca/k funs'kd vkSj lewg dk;Zikyd
(lg;ksxh ,oa vuq"kaxh)
[MD & Group Exceutive (Associates
and Subsidiaries]
Jh ,p-th- dkWUV™sDVj µ izca/k funs'kd vkSj lewg dk;Zikyd
(varjkZ"V™h; cSfa dax)
[ MD & GE (I.B.)]
[3]
 Jh ,- œ".kdqekj µ izca/k funs'kd vkSj lewg dk;Zikyd
(jk"V™h; cSfa dax) [MD & GE (N.B.)]
Jh fnokdj xqIrk µ izc/a k funs'kd vkSj eq[; foŸk vf/kdkjh
[MD & CFO]
dkiksZjsV cSfa dax dh ftEesnkjh fuEukuqlkj 2 Mh-,e-Mht- dks nh xbZ gS%
Jh larks"k uk;j µ mi izc/a k funs'kd (yktZ dkiksZjsV~l)
[DMD (Large Corporates)]
Jh ';key vkpk;Z µ mi izc/a k funs'kd (feM dkiksZjsV~l)
[ DMD (Mid Corporates) ]
Hkkjrh; LVsV cSad dk dkWikZsjsV dk;kZy; eqEcbZ esa o iathd`r dk;kZy;
dksydkrk esa fLFkr gSaA lEiw.kZ ns'k ds izeq[k 'kgjkas esa Hkkjrh; LVsV cSad ds
dqy 14 LFkkuh; iz/kku dk;kZy; vkSj 57 iz'kklfud dk;kZy; gSaA
31 ekpZ] 2010 dks gekjs cSad dh iwjs ns'k esa 12]496 'kk[kk,a dk;Zjr
FkhaA ftudh la[;k 31 ekpZ] 2011 dks c<+dj 13]542 gks xbZ gSA blds
vykok 32 ls vfËkd ns'kksa esa gekjh 156 fons'kh 'kk[kk,a vkSj dk;kZy;
lapkfyr gSaA
Hkkjrh; LVsV cSd
a dk ljdkjh ys[kk foHkkx] eqEcbZ esa ,oa Xykscy
ekdsZV ;wfuV (GMU)] tks igys fons'k O;kikj foHkkx (FD, Kolkata) ds
uke ls tkuk tkrk Fkk] dksydkrk esa gSA 31 ekpZ] 2011 dks dqy deZpkfj;ksa
dh la[;k 2]22]933 Fkh (31 ekpZ] 2011 dks vf/kdkjh 35-77%]
fyfidh; deZpkjh 46-07% ,oa vËkhuLFk 18-16%)A
LVsV cSd
a lewg vius ikap lg;ksxh cSd a ksa dh 4]724 'kk[kkvksa lfgr
18266 'kk[kkvksa ds fo'kky usVodZ ds lkFk Hkkjr ds cSfa dax m|ksx dk
fljekSj ,oa Hkkjrh; vFkZO;oLFkk dk izeq[k vk/kkj LrEHk gSA lewg dh
Hkkjrh; foŸkh; {ks= esa O;kid mifLFkfr gSA ;g lHkh izdkj dh foŸkh;
lsok,a miyC/k djokrk gS vkSj lkFk gh viuh vuq"kaxh laLFkkvksa ds ek/;e
ls thou chek] lk/kkj.k chek] eps±V cSfa dax] E;wP;qvy Q.M] ÿsfMV dkMZ]
QSDVfjax] flD;ksfjVh (izfrHkwfr) V™sfMax] is'a ku fuf/k izcU/ku rFkk euh
ekdsZV (eqnzk cktkj) esa izkbejh (izkFkfed) Mhyjf'ki vkfn lsok,aa miyCËk
djokrk gSA

[4]
Hkkjrh; LVsV cSd a (Associate Banks) vkSj muesa Hkkjrh;
a ds 5 lg;ksxh cSd
LVsV cSd
a dh va'k/kkfjrk fuEukuqlkj gSa %
(i) LVsV cSd a vkWQ chdkusj ,.M t;iqj µ 75-07%
(ii) LVsV cSd a vkWQ gSnjkckn µ 100-00%
(iii) LVsV cSd
a vkWQ eSlwj µ 92-33%
(iv) LVsV cSda vkWQ ifV;kyk µ 100-00%
(v) LVsV cSd a vkWQ V™koudksj µ 75-01%
mijks‰ ds vfrfj‰ ,l-ch-vkbZ- dkef'kZ;y ,.M bUVjus'kuy cSd a
fy- (,l-ch-vkbZ-lh-vkbZ-) gekjh iw.kZ LOkkfeRookyh ns'kh; cSfa dax vuq"kaxh
(Subsidiary) gSA

lg;ksxh cSd
a kas dk Hkkjrh; LVsV cSd
a esa foy;u %
LVsV cSd
a vkWQ lkSjk"V™ & 13 vxLr] 2008
LVsV cSd
a vkWQ bUnkSj & 26 vxLr] 2010
O;olk; lewg %
xzkgdksa ds fofHkÈk lewgksa dks n{krkiw.kZ lsok iznku djus vkSj cSd
a ds
ifjpkyu dks lqxe cukus gsrq 'kh"kZ Lrj ij cSad ds dk;ks± dks fuEu
O;olk; lewg@ foHkkxkas esa ck°Vk x;k gSµ

1- oSf'od cktkj
2- Fkksd cSfa dax lewg
3- e/; dkiksZjsV lewg
4- jk"V™h; cSfa dax lewg
5- xzkeh.k O;olk; lewg
6- varjkZ"V™h; cSfa dax lewg
7- dkiksZjsV dk;Zuhfr rFkk u;k O;olk;
8- lwpuk izkS|ksfxdh
9- foi.ku&izfrfoÿ;
10- lg;ksxh vkSj vuq"kafx;k°
11- vkfLr xq.koŸkk
[5]
izf'k{k.k ra= %
izf'k{k.k lEcU/kh xfrfof/k;kas dks cnyrs gq, okrkoj.k esa cSd a dh
vko';drkvkas ds vuq:i cukus ds fy, gekjs cSd a us izf'k{k.k dk;Zuhfrd
bdkbZA ˝LVsV™ fs td V™fs uax ;wfuV (STU)˛ dk xBu fd;k gS] tks gSnjkckn esa
fLFkr gSA ,l-Vh-;w- dh izFke ize[q k Jherh egkikjk vyh] eq[; egkizcUËkd gSAa
4 'kh"kZ izf'k{k.k laLFkkuksa ,oa 48 KkuktZu dsUÊksa lfgr cSad dk
viuk izf'k{k.k ra= gS] tks cSfa dax {ks= esa loksZRœ"V gSA
LVsV cSd
a ds 4 'kh"kZ izf'k{k.k laLFkku %
(i) LVsV cSd
a vdkneh] xqM+xk°o (LFkkiuk& 1982)
(ii) LVsV cSd
a LVkQ dkWyst] gSnjkckn (LFkkiuk& 1961)
(iii) LVsV cSd
a xzkeh.k fodkl laLFkku] gSnjkckn (LFkkiuk& 1981)
(iv) LVsV cSad baLVhV~;wV vkWQ bUQksesZ'ku ,.M dE;qfuds'ku eSustesaV]
gSnjkckn (LFkkiuk& 1987)
foŸkh; o"kZ 2009&10 ds nkSjku Hkkjrh; LVsV cSd a }kjk 7]788 ,oa
LVsV cSd
a lewg }kjk 10]081 u, ,-Vh-,ekas dh LFkkiuk dh xbZ ftlls
31 ekpZ] 2010 rd gekjs ,-Vh-,ekas- dh la[;k 16]369 vkSj LVsV cSd a
lewg ds ,-Vh-,ekas- dh la[;k 21]485 rd igq°p xbZA LVsV cSd a lewg ds
25]000 oas ,-Vh-,e- dk mn~?kkVu 31 ekpZ] 2011 dks fxjxk°o] eqEcbZ
esa fd;k x;kA 31 ekpZ] 2011 dks LVsV cSd
a lewg ds ,-Vh-,ekas- dh la[;k
25005 rd igq°p xbZ] tks ns'k esa lHkh cSd
a ksa ds ,-Vh-,e- usVodZ dk ,d
frgkbZ gSA
xzkgdksa dh fofo/k foŸkh; vko';drkvksa dh iwfrZ gsrq Hkkjrh; LVsV
cSd
a dh fofHkUu izdkj dh 'kk[kk,a dk;Zjr gSa tSls ih-ch-ch-] ,l-vkbZ-ch-]
,u-vkj-vkbZ-] dsx 'kk[kk] fons'kh O;kikj 'kk[kk o œf"k fodkl 'kk[kk
vkfnA
a us dqN fo'ks"k 'kk[kk,a Hkh [kksyh gS %
foxr ,d o"kZ esa gekjs cSd
1. djksM+ifr 'kk[kk µ gSnjkckn % U;wure tek : 1 djksM+
2. xzhu cSfa dax 'kk[kk µ psUubZ % dkxt jfgr cSfa dax
3. fMQasl cafS dax 'kk[kk µ gSnjkckn % lqj{kk cykas dh lsok
[6]
 a ds lykgdkj & eSfdaUlh (Mc Kinsey)
ch-ih-vkj gsrq cSd
ch-ih-vkj (fctusl izkslsl jh&bathfu;fjax ds vUrxZr cSd
a }kjk fofHkÈk
izdkj ds lewg tSls lh-lh-] lh-,-th- (dSx)] ,e-lh-th-]vkj-ch-;w- vkfn]
fo'ks"k 'kk[kk,° tSls& ,l-,-,e-ch- rFkk dsUÊhœr O;oLkk; izlLa dj.k dsUÊkas
(lh-ih-lh) dh LFkkiuk dh xbZ gSA
o"kZ 2010&11 ds nkSjku gekjs cSd
a dks #- 8265 djksM+ ,oa LVsV cSd
a
lewg dks #- 11]180 djksM+ dk 'kqº ykHk gqvk gSA
Hkkjrh; fjtoZ cSd a & Hkkjrh; fjtoZ cSda gekjs ns'k dk dsUnzh; cSd a gS tks
lHkh cSda ksa ds dk;Zdykiksa dks fu;fU=r djrk gS] mUgsa eqnkz dh vkiwfrZ djrk
gS o ns'k dh vFkZO;oLFkk dk /;ku j[krk gSA orZeku esa Hkkjrh; fjtoZ cSd a ds
xouZj Jh Mh- lqCckjko gSAa Hkk-fj- cSd a ds 4 mi xoZuj gSAa
cSd
a D;k gS\& cSd a og foŸkh; laLFkk gS tgk° xzkgd viuh cpr dks Hkfo";
esa mi;ksx gsrq lqjf{kr :i ls tek djk ldrk gS ,oa vko';drk iM+us ij
Ω.k Hkh ys ldrk gSA cSda vius xzkgdksa dks mudh tek jkf'k ij C;kt nsrk gS
rFkk mUgsa fn;s tkus okys Ω.k ij C;kt ysrk gSA xzkgd }kjk cSd
a ksa esa tek dh
xbZ jkf'k ns'k dh vkfFkZd@ vkS|ksfxd izxfr esa lgk;d gksrh gSA
cSd
a kas ds dk;Z %
π turk esa cpr dh vknr Mkyuk A
π ns'k ds vkfFkZd fodkl lEcU/kh dk;Z A
π yksxksa dks vkfFkZd@ foŸkh; lgk;rk nsdj mudk lkekftd Lrj lqËkkjukA
π xzkeh.k ,oa vkS|ksfxd fodkl dh fn'kk esa dk;Z djukA
π ljdkj ,oa Hkkjrh; fjtoZ cSd a ds fn'kk&funsZ'kksa dk vuqikyuA
cSd
a kas dh vU; lsok,a &
cSd
a xzkgd dh cpr dks tek djus ,oa Ω.k nsus ds vykok Hkh vU;
dbZ lsok,a iznku djrs gSa tSls &
π ,-Vh-,e-&lg&MsfcV dkMZ tkjh djuk
π bUVjusV cSfa dax] eksckby cSfa dax] Vsyh cSfa dax vkfn lsok,a nsuk
π ykWdj fdjk;s ij nsuk
π ih-ih-,Q- [kkrk [kksyuk
[7]
π izs"k.k lqfo/kk
(1) M™k∂V@ cSd a lZ pSd vkfn tkjh djuk
(2) vkjVhth,l@ ,ubZ,QVh }kjk /ku izs"k.k
π ljdkjh O;olk;] iS'a ku Hkqxrku djuk
π pSd@ fcy mxkgh djuk
π lk[k i= (,y-lh-) tkjh djuk
π cSda xkjaVh nsuk
π fons'kh eqÊk fofue;
π Ω.k@ fuos'k lEcU/kh lykg nsuk
π ÿsfMV dkMZ tkjh djuk
π ÿkl lSfyax tSls thou chek] lk/kkj.k chek] E;wP;qvy Q.M] dkMZ
O;olk; vkfn
Hkkjrh; LVsV cSd
a dh miyfC/k;k°
iqjLdkj vkSj lEeku% o"kZ 2009&10
bl o"kZ ds nkSjku gekjs cSd
a dks fuEu iqjLdkj vkSj lEeku izkIr gq, gSa &
π ^fn cSd
a j* if=dk] yUnu }kjk o"kZ 2008 ds ckn yxkrkj nwljs o"kZ
^Hkkjr esa o"kZ 2009 dk loZJs"B cSd
a * ?kksf"kr fd;k x;kA
π ^fn cSd
a j* if=dk }kjk fo'o ds 'kh"kZ 1000 cSd
a ksa esa ^64ok° LFkku*
fn;k x;kA
a us fctusl oYMZ ds o"kZ 2009 ds fy, loZJs"B cSd
π Hkkjrh; LVsV cSd a
ds vokMks± ds vUrxZr ^lcls cM+s cSd
a dh Js.kh esa loZJs"B cSd
a * vkSj
^lkekftd n`f"V ls lokZf/kd ftEesnkj cSd a * dk vokMZ gkfly fd;kA
a us fctusl bafM;k dk o"kZ 2009 ds fy, ^loZJ"s B cSd
π cSd a * dk vokMZ thrkA
π o"kZ 2009 ds fy, vkmVyqd euh ,uMhVhoh izkWfQV vokMks± ds vUrxZr
^loZJs"B cSd
a * Js.kh esa fotsrk ?kksf"kr fd;k x;kA
π bdukfed VkbEl] czkM
a bZfDoVh (17 twu] 2009) esa o"kZ 2009 ds
fy, lokZf/kd fo'oluh; czkM
a ?kksf"kr fd;k x;kA
π lh,uchlh daT;wej vokMZ] flrEcj] 2009 ds vUrxZr ^lokZf/kd
ilanhnk cSd
a *] ^lokZf/kd ilanhnk ÿsfMV dkMZ* vkSj ^lokZf/kd ilanhnk
x`g Ω.k czkMa * ds vokMZ thrsA
[8]
π Qkbusfa 'k;y buQkesZ'ku ,aM vkWijs'kal fy- (,QvkbZ,uvks) }kjk
foŸkh; lekos'ku ds {ks= esa ^loZJs"B nwjn`"Vk* dk vokMZ fn;k x;kA
π Mu ,aM czkM
a LV™hV vokMZ 2009 ds vUrxZr ^,l,ebZ foŸkiks"k.k* Js.kh
rFkk ^xzkeh.k igq°p* Js.kh esa ^'kh"kZ ljdkjh {ks= cSd
a * dk vokMZ
gkfly fd;kA
π o"kZ 2009 ds fy, vkmVyqd euh ,uMhVhoh izkWfQV vokMks± ds vUrxZr
^loZJs"B x`g Ω.k iznkrk* Js.kh esa fotsrk ?kksf"kr fd;k x;kA
π cSfa dax VsDuksykWth esa 'kkunkj miyfC/k;k° gkfly djus ds fy, Hkkjrh;
cSd
a la?k (vkbZch,) }kjk cSfa dax VsDuksykWth vokMZ ds vUrxZr o"kZ
2009 ds fy, o"kZ ds ^loZJs"B VsDuksykWth cSd a * dk vokMZ fn;k x;kA
π uSldke lh,uchlh Vhoh 18 ds vkbZVh ;wtj vokMZ 2009 ds vUrxZr
^cSfa dax fnXxt* dk vokMZ thrkA
π xksYMu ihdkWd vokMZ T;wjh }kjk o"kZ 2009 ds fy, ^xksYMu ihdkWd
us'kuy V™sfuax vokMZ* dk fotsrk pquk x;kA
π fjVsy foŸkh; lsokvksa esa mRœ"Vrk ds fy, ,f'k;kbZ cSd
a Js.kh ds o"kZ
2010 ds vokMks± ds vUrxZr o"kZ 2010 ds fy, ^,f'k;k iz'kkar {ks= esa
loZJs"B cSd
a * dk vokMZ fn;k x;kA
π fjVsy foŸkh; lsokvksa esa mRœ"Vrk ds fy, ,f'k;kbZ cSda Js.kh ds o"kZ
2010 ds vokMks± ds vUrxZr o"kZ 2009 ds fy, ^loZJs"B ekbÿksQkbukal*
gsrq vokMZ fn;k x;kA
π czkMa Qkbukal }kjk czkM a Qkbukal Xykscy cSfa dax 500 esa o"kZ 2009
esa 70osa LFkku ls Nyk°x yxkdj o"kZ 2010 esa ^36osa LFkku* ij igq°p
x;kA Hkkjrh; LVsV cSd a ^igyk Hkkjrh; cSd
a gS tks fo'o ds 'kh"kZ 50
cSd
a ksa dh lwph esa 'kkfey gqvk gSA
π fctusl VqMs] Qjojh 2010 ds vuqlkj Hkkjrh; LVsV cSd
a ^loZJs"B
dEifu;kas* esa 7 oasa LFkku ij gS A
π Hkkjr ljdkj ds lw{e] y?kq vkSj e/;e m|e ea=ky; }kjk fn,
tkus okys jk"V™h; iqjLdkj 2008&09 ds vUrZxr o"kZ 2008&09 esa
ekbÿks&,aVjizkbtst Ω.kkUo;u esa mRœ"Vrk ds fy, izFke jk"V™h;
iqjLdkj fn;k x;kA Hkkjrh; LVsV cSd
a us bl iqjLdkj ds 'kq: fd, tkus
ds ckn ls yxkrkj flpkSFks o"kZfi ;g iqjLdkj thrk gSA
[9]
π ,dek= ,slk Hkkjrh; cSd a gS ftls flQkWjP;qu Xykscy 500 lwphfi esa
LFkku izkIr gSµ o"kZ 2010 esa fl363 osa LFkkufi ij vk x;kA (o"kZ
2009 esa 380ok° LFkku] o"kZ&2008 esa 495 ok° LFkku o o"kZ 2007 esa
498 ok° LFkku)
π QkWClZ 2000 lwph esa fo'o dh lcls cM+h dEifu;kas esa chrs o"kZ ds
219ossa LFkku ls bl o"kZ fl150oas LFkkufi ij igq°p x;k A
π bZVh 500 & fn bdukWfed VkbEl (fnukad 24 uoEcj] 2009) ds
a flHkkjr dh lcls cM+h dEifu;kas esa NBs LFkkufi ij gSA
vuqlkj cSd
(o"kZ 2008 esa 7oas LFkku ij Fkk)A
π oky LV™hV tuZy ,f'k;k }kjk foŸk {ks= esa izfr"Bk ds lEcU/k esa Hkkjr
esa fd, x, losZ{k.k esa fl5 'kh"kZ dEifu;kas esa uEcj ,dfiA
a dks jsI;qVs'ku baLVhV~;wV] ;w-,l-,- }kjk 29ok° LFkku
π Hkkjrh; LVsV cSd
iznku fd;k x;k gSAa
iqjLdkj vkSj lEeku % o"kZ 2008&09
π bDuksfed VkbZEl czkM a bfDoVh dh flloksZPp 50 vfr fo'oLr lsok
czkM a (8oka) ls vkxs rhljs LFkku ij
a jSfdax esa vkbZlhvkbZlhvkbZ cSd
jgkA
π czkWM Qkbusal] yUnu }kjk Qjojh 2008 esa rS;kj Xykscy 500
Qkbusfa 'k;y czkMa fjdkWfXu'ku jSfa dax esa 61 ls c<+dj 59osa ik;nku ijA
π dsih,eth & bU›kLV™Dpj VqMs vokZM~ 08 esa fleksLV ,Mek;MZ bU›kLV™Dpj
Qkbusfa l;jfi izkIr djus gsrq pquk x;kA
π us'kuy vokZM~l Vw cSDa l 2007&08 ds varxZr 2007&08 esa ekbÿks
,UVjizkbtst dks foŸk iks"k.k esa loksZRœ"Vrk gsrq flQLVZ us'kuy vokMZfi
a us bl iqjLdkj dh LFkkiuk ls vc rd yxkrkj pkSFkh
fn;k x;kA cSd
ckj ;g iqjLdkj izkIr fd;k gSA
π us'kuy vokZM~l Vw cSaDl 2007&08 ds varxZr o"kZ 2007&08 esa
,e,lbZ (ehfM;e ,.M LekWy ,UVjizkbtst) dks foŸk iks"k.k esa
loksZRœ"Vrk gsrq fllSd.M us'kuy vokMZfi feykA
π lS . V™ y Iyku Ldhe eks u hVfja x flLVe (lhih,l,e,l) gs r q
flQkbusfa l;y lfoZlst Moyijfi iqjLdkj feykA
π foy;u rFkk vf/kxzg.k lkSnksa esa izFke LFkku ij jgk (;w,l $ 19-81
fcfy;u ds 31 lkSns)
[ 10 ]
 y?kq mŸkjh; iz'u

izå1 dkSu&lk cSd

a gekjs ns'k dk dsUnzh; cSd
a gS \
må Hkkjrh; fjtoZ cSd
a
izå2 Hkkjrh; LVsV cSd
a dk vkfniwoZt dkSu&lk cSd
a Fkk \
må cSd
a vkWQ dydŸkk] LFkkiuk 02 twu] 1806
izå3 Hkkjrh; LVsV cSd
a dh LFkkiuk dc gqbZ \
må 01 tqykbZ] 1955
izå4 cSd
a dk orZeku izrhd fpUg (,Ecye) dc ls viuk;k x;k gS \
må 01 vDVwcj] 1971
izå5 gekjs cSd
a dk lewg /;s; D;k gS \
må ykHk] o`fº ds lkFk (Profit with Growth )
izå6 Hkkjrh; LVsV cSd
a dk dkiksZjsV vkWfQl dgk° gS \
må eqEcbZ
izå7 Hkkjrh; LVsV cSd
a dk iathd`r dk;kZy; (jftLVMZ vkWfQl) dgk°
gS \
må dksydkrk
izå8 Hkkjrh; LVsV cSd
a ds dqy fdrus LFkkuh; iz/kku dk;kZy; gSa \
må 14
izå9 LVsV cSd
a vdkneh ^^xq#dqy** dgk° fLFkr gS \
må xqM+xkao
izå10 LVsV cSd
a LVkQ dkWyst dgk° fLFkr gS \
må gSnjkckn
izå11 gekjs cSd
a ds fujh{k.k ,oa ys[kk ijh{kk foHkkx dk eq[;ky;
dgk° fLFkr gS \
må lS.V™y vkfMV ;wfuV (CAU)] gSnjkckn
izå12 gekjs cSd
a dk vUrjkZ"V™h; izHkkx (bUVjus'kuy fMohtu) dgk° gS \
må eqEcbZ

[ 11 ]
 a ds fons'kh O;kikj foHkkx (FD - Foriegn Department)
izå13 gekjs cSd
dks vc fdl uke ls tkuk tkrk gS o ;g dgk° fLFkr gS \
må Xykscy ekdsZV ;wfuV (th,e;w)] dksydkrk
izå14 gekjs cSd
a esa fgUnh dk izlkj djus o mlds fy;s cuk, x;s
fu;eksa dk ikyu djus dk nkf;Ro fdl foHkkx dk gS \
må jktHkk"kk foHkkx
izå15 cPpksa dh f'k{kk ds fy;s Nk=o`fŸk fdl lfefr }kjk nh tkrh gS\
må e.My dY;k.k lfefr
izå16 Hkkjrh; LVsV cSd
a dh cSysUl 'khV (rqyu i=) fdl frfFk dks rS;kj
dh tkrh gS \
må izfro"kZ 31 ekpZ dks
izå17 gekjs cSd
a dh cSysl
a 'khV ij dkSu gLrk{kj djrs gSa \
må & cSd a ds v/;{k (Chairman)
& izc/a k funs'kd vkSj lewg dk;Zikyd (lg;ksxh ,oa vuq"kaxh)
[MD & GE (A&S)]
& izc/a k funs'kd vkSj lewg dk;Zikyd varjkZ"V™h; cSfdax
[MD & GE (IB)]
& izc/a k funs'kd vkSj lewg dk;Zikyd jk"V™h; cSfdax
[MD & GE (NB)]
& izc/a k funs'kd vkSj eq[; foŸk vf/kdkjh [MD & CFO]
izå18 gekjs cSd
a dh cSysl
a 'khV ij fdl LFkku ij gLrk{kj fd;s tkrs
gSa \
må dksydkrk
izå19 gekjs cSda dh cSysl
a 'khV ij gLrk{kj dksydkrk esa gh D;ksa fd,
tkrs gSa \
må a dk iathœr dk;kZy; (Registered Office) dksydkrk esa fLFkr
cSd
gSA
izå20 Hkkjrh; LVsV cSd a 'khV (Audited Balanced
a dh vadsf{kr cSysl
Sheet) fdls izLrqr dh tkrh gS \
må Hkkjr ds jk"V™ifr dks

[ 12 ]
izå21 gekjs cSd
a esa eq[; egkizcU/kd ds in ij vklhu gksus okyh
fdUgha ik°p efgyk eq[; egkizcU/kdksa ds uke crkb;sA
må (i) Jherh Hkkjrh jko
(ii) Jherh egkikjk vyh
(iii) Jherh jk/kk mUuh
(iv) Jherh js.kq pYyw
(v) Jherh v:U/krh HkV~Vkpk;Z] orZeku esa [DMD (PER)]
izå22 gekjs cSd
a dh igyh efgyk mi izc/a k funs'kd (Mh-,e-Mh-) dkSu
cuh gSa \
må Jherh Hkkjrh jko
izå23 gekjsa cSd a /k funs'kd (DMD) ds in ij vklhu gksus
a esa mi izc
okyh efgyk,° dkSu 2 gS \
må (i) Jherh Hkkjrh jko
(i) Jherh v:U/krh HkÍkpk;Z
izå24 LVsV cSd
a vkWQ gSnjkckn dh izFke efgyk izc/a kd funs'kd dkSu gS\
må Jherh js.kq pYyw
izå25 gekjs cSd
a dh 10]000oha 'kk[kk dc o dgk° [kksyh xbZ \
må iqnqo;ky (Puduvayal)] ftyk f'koxaxk] rfeyukMw] 9 ekpZ] 2008
izå26 gekjs cSd
a dh 10]000 oha 'kk[kk iqnqo;ky dk mn~?kkVu fdlus
fd;k \
må ekuuh; Jh ih- fpnEcje~] foŸk ea=h] Hkkjr ljdkj
izå27 gekjs cSd
a dh 11]111oha 'kk[kk dgk° ,oa dc [kksyh xbZ \
må lksuiqj] Qjojh 2009
izå28 gekjh 11]111oha 'kk[kk dk mn~?kkVu fduds }kjk fd;k x;k \
må ekuuh; Jh ih- fpnEcje] foŸk ea=h] Hkkjr ljdkj
izå29 Hkkjrh; LVsV cSda esa fdu lg;ksxh cSd
a dk foy; gks pqdk gS\
må LVsV cSda vkWQ lkSjk"V™ dk 13 vxLr] 2008 dks
LVsV cSd
a vkWQ bUnkSj dk 26 vxLr] 2010 dks

[ 13 ]
izå30 gekjs cSda us xzhu cSfdax gsrq D;k igy dh gS \
må gekjs cSad ds fuorZeku v/;{k Jh vks-ih- HkV~V us 23 vizSy]
2010 dks iuiŸkh xzke&oMkfpŸkwj] ftyk&dks;EcVwj esa foaMfeykas
(iou pfDD;kas) dk mn~?kkVu fd;k A 10 iou pfDd;kas ls 15
esxkokV fo|qr dk mRiknu fd;k tk,xk] ftldh vkiwfrZ gekjs
egkjk"V™] xqtjkr vkSj rfeyukMw esa fLFkr dk;kZy;kas dks dh tk;sxhA
bl izdkj gekjk cSd a iou pfDd;kas dks LFkkfir djus ,oa xzhu
ikoj mRiknu dj dkcZu mRltZu dks de djus okyk igyk cSd a
cu x;k gSAa
izå31 bZ&yfu±x dk lapkyu dgk° ls fd;k tkrk gS \
må LVsV cSd
a LVkQ dkWyst] gSnjkckn
izå32 bZ&yfu±x dk nwljk uke D;k gS \
må Kkuksn;
izå33 gekjs cSda esa vkfLr vkSj ns;rkvksa dk izc/a ku dkSu djrk gS \
må vkfLr ,oa ns;rk,a izc/a ku lfefr
(ALCO–Asset Liability Management Committee)
izå34 gekjs cSd
a dks 31 ekpZ] 2011 dks lekIr o"kZ ds nkSjku fdruk
ykHk gqvk gS \
må fuoy ykHk #- 8265 djksM+ A
izå35 31 ekpZ] 2011 dks gekjs cSda dk ldy tekvksa esa ekdsZV 'ks;j
fdrus izfr'kr jgk \
må 16-40¯ (ekpZ 2010&16-29¯] ekpZ 2009&17.72¯)
izå36 31 ekpZ] 2011 dks gekjs cSd
a dk vfxzeksa esa ekdsZV 'ks;j fdrus
izfr'kr jgk \
må 16-40¯ (ekpZ 2010&16-28¯] ekpZ 2009&16.03¯)
izå37 31 ekpZ] 2011 dks gekjs cSad dh ifjlEifŸk;ksa ij vk;
(R.O.A.) fdruh jgh \
må 0-71¯ (ekpZ 2010&0-88¯] ekpZ 2009& 1.04 ¯]
ekpZ 2008&1-01¯)

[ 14 ]
izå38 31 ekpZ] 2011 dks gekjs cSd
a dh ldy xSj&fu"iknd vkfLr;ksa
(Gross NPA) dk vuqikr fdruk Fkk \
må 3-28¯ (ekpZ 2010&3-05¯] ekpZ 2009& 2.86¯] ekpZ
2008&3-04¯)
izå39 31 ekpZ] 2011 dks gekjs cSd
a dh fuoy xSj&fu"iknd vkfLr;ksa
(Net NPA) dk vuqikr fdruk Fkk \
må 1-63¯ (ekpZ 2010&1-72¯] ekpZ 2009&1-79¯] ekpZ
2008&1-78¯)
a dk izfr deZpkjh ykHk (Profit
izå40 31 ekpZ] 2011 dks gekjs cSd
per Employee) vkSj izfr deZpkjh O;olk; (Business per
Employee) fdruk jgk\
må (i) izfr deZpkjh ykHk & #0 384-63 gtkj
(ii) izfr deZpkjh O;olk; & #0 704-65 gtkj
izå41 gekjs cSda ds dsUÊh; cksMZ }kjk 31 ekpZ] 2011 dks lekIr o"kZ
gsrq izfr 'ks;j fdruk ykHkka'k ?kksf"kr fd;k x;k gS \
må #- 30@& izfr'ks;j (300 izfr'kr)
a dk cklsy-II ds vuqlkj iw°th
izå42 31 ekpZ] 2011 dks gekjs cSd
i;kZIrrk vuqikr (CAR) fdruk jgk \
må 11-98¯ (ekpZ 2010&13-39¯] ekpZ 2009&14-25¯]
ekpZ 2008&13-47¯)
izå43 ,l-ch-vkbZ- ykbQ }kjk gekjs deZpkfj;kas gsrq 01 ebZ] 2011
ls tkjh dh xbZ ubZ chek ;kstuk dk uke D;k gS \
må Lo.kZ xaxk ;kstuk A
izå44 vesfjdk ds jsI;wVs'ku baLVhV~;wV }kjk tkjh fo'o dh 200 izfrf"Br
daifu;ksa esa Hkkjrh; LVsV cSda dks dkSu&lk LFkku feyk gS \
må 29ok°
izå45 Hkkjrh; LVsV cSda us fdu u, {ks=ksa esa dk;Z djuk izkjEHk fd;k gSa \
må iS'a ku Q.M O;olk;] foŸkh; ;kstuk ,oa ijke'kZ lsok,a] eksckby
cSfa dax] vfHkj{kh lsok,a] lkekU; chek ,oa O;kikj vf/kxzg.kA
[ 15 ]
izå46 31 ekpZ] 2011 ds var esa gekjs cSd
a dh tek jkf'k;kas vkSj
vfxzeksa dk Lrj D;k jgk \
må (i) tek jkf'k;k° µ #- 9]33]933 djksM+
(ii) vfxze jkf'k;k° µ #- 7]56]719 djksM+

izå47 flxzkeh.k ,oa vºZ'kgjhfi Js.kh esa gekjs cSd

a }kjk 9000o∞a 'kk[kk
dc o dgk° [kksyh xbZ \
må 31 ekpZ] 2011 dks lqUnjx<+] mM+hlk esa
izå48 gekjs cSd
a ds LVkQ dks Hkfo"; fuf/k dh jkf'k ij orZeku esa fdl
nj ls C;kt fn;k tk jgk gS \
må 8-5 izfr'krA
izå49 gekjs cSd
a dh 12 ebZ] 2011 ls la'kksf/kr csl jsV ,oa cSp
a ekdZ
izkbe ySf.Max jsV (ch-ih-,y-vkj-) fdruh gS \
må 9-25 izfr'kr ,oa 14-0 izfr'kr ÿe'k%
izå50 gekjs cSda ds leLr 'kh"kZ izf'k{k.k laLFkkuksa (ATIs) ,oa KkuktZu
dsUÊksa dks fdl bdkbZ ds varxZr dj fn;k x;k gS\
må dk;Zuhfrd izf'k{k.k bdkbZ (S.T.U. - Strategic Training Unit) A
a }kjk izFke lw{e foŸk 'kk[kk (Micro Finance Branch)
izå51 gekjs cSd
dgk° [kksyh xbZ\
må Hkksiky A
izå52 gekjs cSda }kjk izFke flfMQasl cSfa dx czkp
a fi dgk° [kksyh xbZ vkSj
bldk mn~?kkVu fdlus fd;k\
må gSnjkckn esa 27 viSzy] 2011 dks Jh ,- œ".k dqekj ,e-Mh- ,.M
th-bZ- (vkbZ-ch-) }kjk A

[ 16 ]
 3- O;olk; izfÿ;k iqufoZU;kl
(ch-ih-vkj-& fctusl izkl
s l
s jh&bathfu;fjax)
gekjs cSd a us Hkkjrh; cSfa dax ifjn`'; esa lnSo vxz.kh Hkwfedk dk
fuokZg fd;k gSA mnkjhdj.k] futhdj.k ,oa Hkw.Myhdj.k ds i'pkr~ ns'k ds
vkfFkZd ,oa cSfa dax ifjn`'; esa vk, cnykoksa ds dkj.k mRiUu futh ,oa
fons'kh cSd a ksa ls izfrLi/kkZ vkSj xzkgdksa dh vis{kkvksa ij [kjk mrjus ds fy,
gekjs cSd a dh O;olk; izfÿ;k esa cnyko dh vko';drk eglwl dh tkus
yxhA bl gsrq gekjs cSd a us eSdsUth ,.M dEiuh] ;w-,l-,- dks lykgdkj
ds :i esa fu;qDr fd;kA
ch-ih-vkj- vFkkZr~ O;olk; izfÿ;k iqufoZU;kl ls rkRi;Z laxBukRed
<+kp
° s esa cnyko vkSj O;olk; dh izfÿ;kvksa dks orZeku cktkj dh vis{kkvksa
ds vuq:i ljy cukuk gS rkfd gekjs xzkgdksa dks vf/kdkf/kd larqf"V fey
lds vkSj ge Hkkjrh; cSfa dax m|ksx esa viuk xkSjo'kkyh LFkku cuk,
j[kus esa l{ke gksAa
ch-ih-vkj- ds mÌs';µ
µ xzkgd ds cSfa dax dk;ks± dks vklku vkSj lqfo/kktud cukuk
µ xSj&xzkgd (Non-Customer facing) dk;ks± dks 'kk[kk ds ckgj vU;=
lh-ih-lh- (lSUV™ykbTM izkslsflax lSUVj) }kjk djokuk
µ 'kk[kkvksa dks fcÿh (lsYl)] lsok (lfoZl) vkSj foi.ku (ekdsZfVax) gsrq
l{ke cukuk
µ xzkgd larqf"V ds Lrj esa o`fº
µ cSda dh mRikndrk esa o`fº
ch-ih-vkj- ds izeq[k Qksdl {ks=µ
1- fcÿh nyksa dk xBuµvkj-,e- (ih-ch-)] vkj-,e- (,e-bZ-)] ,e-ih-,l-
Vh- (eYVh izksMDV lsYl Vhe)] lh-vkj-bZ- (dLVej fjys'ku ,DthD;wfVOl)
,oa vkj-,e-vkj-vks- vkfn }kjk vf/kdkf/kd xzkgdksa ls lh/ks lEidZ
dj O;olk; o`fºA
2- lh-ih-lh- (;ks)a dk xBuµxSj&xzkgd dk;ks± dk lh-ih-lh- dks vUrj.kA
3- oSdfYid pSuyµ ,-Vh-,e-] baVjusV cSfa dax] eksckby cSfa dax] Vsyh cSfa dax
vkfn dk iz;ksx c<+kdj 'kk[kkvksa esa xzkgdksa dk ncko de djukA
[ 17 ]
4- 'kk[kk jhfMtkbuµ'kk[kk esa xzkgdksa gsrq 70% vkSj 'kk[kk dk;Z gsrq
30% LFkkuA 'kk[kkvksa dh csgrj vkarfjd O;oLFkk ,oa lkt&lTtkA
'kk[kk esa ,-Vh-,e- o bUVjusV cSfa dax fd;ksLd (Kiosk) LFkkfir djukA

ch-ih-vkj- ds vUrxZr fcÿh ny

cgq mRikn foÿ; Vhe (MPST – Multi Product Sales Team)

mÌs'; µ gekjs cSd a }kjk xzkgdksa ls lEidZ dj oS;fDrd ,oa ,l-,e-bZ-

[k.M ds fofHkUu mRiknksa dk foi.ku djus ,oa bu mRiknksa dh fcÿh
a ds O;olk; dks c<+kus gsrq gkmflax yksu lsYl Vhe (HLST)
dj cSd
,oa eYVh izksMDV lsYl Vhe (MPST) ÿe'k% dk xBu fd;k x;k gSA
ftl 'kgj esa HLST ,d LorU= bdkbZ ugha gS] ml 'kgj esa gkmflax
yksu lsYlVhe MPST dk ,d Hkkx gSA
lajpuk µ eYVh izksMDV lsYl Vhe dk eqf[k;k eq[; izcU/kd gksxk ftlds
v/khu foÿ; ny izFke ,oa foÿ; ny f}rh; dke djsx a sA VheyhMj
vFkkZr izcU/kd] nksuksa gh nyksa dk iz/kku gksxkA lgk;d oxZ dk LVkQ
MkVkcsl ,DthD;wfVo gksx a s tks izxfr'khy xzkgdksa ls nwjHkk"k ij okrkZ
djsx
a s ,oa xzkgdksa dks gekjs Ω.k mRiknksa dh tkudkjh nsx a sA xzkgd ls
dh xbZ okrkZ dks uksV fd;k tk,xk o vfxze dk;Zokgh dh ;kstuk
cukbZ tk,xhA
Vhe yhMj (izc/a kd) dk nkf;Roµ
µ VheyhMj nksuksa foÿ; nyksa ds e/; leUo; dk dk;Z djsx
a sA
µ le;&le; ij VheyhMj }kjk foi.ku gsrq fo'ks"k vfHk;ku Hkh
pyk, tk,axsA
µ Vhe ds lnL; laHkkfor xzkgdksa ls okrkZ djsx a s ,oa mUgsa mRikn ysus
gsrq lger djsx a sA x`g Ω.k] dkj Ω.k] 'kSf{kd Ω.k o vU; ,l ,e
bZ mRiknkas ds ykHk ds fo"k; esa foLrkj ls crk,axsA izfrfnu de ls
de pkj xzkgdksa ls laidZ djsx a sA tc ofj"B ,DthD;wfVo ls vkadM+s
izkIr gks tk,axs] rc ds-okbZ-lh- ds ikyu esa dh xbZ vkSipkfjdrkvksa
dk Hkh voyksdu djsx a sA

[ 18 ]
 µ lkjs Ω.k izLrko Lohd`fr gsrq RACPC/ SMECC/RASMECCC
dks vxzsf"kr dj fn, tk,sx a sA Vhe dks vkoafVr ctV@ y{;ksa dh
iwfrZ Hkh mUgha ds }kjk lqfuf'pr dh tk,xhA
dsUÊh;d`r izfÿ;k dsUÊ
(Centralised Processing Centres)
gekjs cSd
a esa fuEu lh-ih-lh-(;ks)a us dk;Z djuk izkjEHk dj fn;k gSµ
1- vkj-,-lh-ih-lh-µfjVsy ,lsV~l lSUV™ykbTM izkslsflax lSUVj %
vkokl Ω.k] dkj Ω.k ,oa f'k{kk Ω.kksa dh Lohd`fr] Ω.k nLrkostksa
dk fu"iknu ,oa j[kj[kko] Ω.k forj.k] [kkrksa dk vuqorZu] fujh{k.k
vkfn dj bu lHkh Ω.k [kkrksa dk j[k j[kkoA blls Ω.kksa dh Lohd`fr
esa de le; yxsxk vkSj xzkgd larqf"V esa o`fº gksxhA
2- ,l-,e-bZ-lh-lh-lh-µLekWy ,.M ehfM;e ,UVjizkbZtst flVh ÿsfMV
lSUVj %
,l-,e-bZ- [k.M ds varxZr Ω.kksa dh Lohd`fr ,oa [kkrksa dk j[k j[kkoA
3- vkj-,-,l-,e-bZ-lh-lh-lh-µfjVsy ,lsVl ,.M LekWy ,.M ehfM;e
,UVjizkbZtst flVh ÿsfMV lSUVj %
[kqnjk Ω.k ;Fkk vkokl Ω.k] dkj Ω.k ,oa f'k{kk Ω.kksa ds lkFk&lkFk
,l-,e-bZ- [k.M ds Ω.kksa dh Hkh Lohd`fr ,oa [kkrksa dk j[k j[kkoA ;g
,d la;q‰ izdkj (Hybrid Model) dk lh-ih-lh- gSA bls ,l-,-vkj-ch-
ds dk;Z tSls ,uih, [kkrkas dh olwyh vkfn dk;Z Hkh vkoafVr fd, tk
ldrs gSAa
4- vkj-lh-ih-lh-µ:jy lSUV™ykbTM izkslsflax lSy %
xzkeh.k ,oa vºZ'kgjh {ks=ksa esa ekax Ω.kkas dks NksM+dj d`f"k [k.M ds
lkFk&lkFk ihbZvkj ,oa ,l,ebZ [k.M ds Ω.kkas dh Lohd`frA
5- lh-,-lh-µdjsUlh ,MfefuLVs™'ku lSy %
bldk mÌs'; 'kk[kkvksa dks mfpr ek=k esa jksdM+ dh vkiwfrZ (dS'k
vkIVhekbts'ku) ,oa ifjpkyu ykxr esa deh ykuk gSA buds }kjk cM+s
dsUÊksa esa 'kk[kkvksa ds lkFk&lkFk ,Vh,eksa dks Hkh jksdM+ dh vkiwfrZ dh
tk,xhA

[ 19 ]
6- ,y-lh-ih-lh-µyk,fcfyVh lSUV™ykbTM izkslsflax lSy %
tek [kkrksa dk j[k j[kko ;Fkk ukekadu] [kkrsnkj dk uke ,oa [kkrk
la[;k eqfÊr (ilZUykbTM) pSdcqd tkjh djuk rFkk xzkgd }kjk fn,
x;s irs ij lh/ks gh xzkgdksa dks izsf"kr djukA
7- lh-lh-ih-lh-µlSUV™ykbT+M Dyh;fjax izkslsflax lSVa j %
cM+s 'kgjksa esa LFkkfir bu dsUnzksa ij vkod@ tkod lek'kks/ku esa izkIr
fy[krksa (pSd] M™k∂V vkfn) ds izlLa dj.k (Processing) dk dk;Z fd;k
tkrk gSA
blds xBu ds fuEu mÌs'; gSa &
(i) 'kk[kk Lrj ij lek'kks/ku dk;Z ds ncko dks de djuk A
(ii) cM+h jkf'k ds ysu nsuksa ds foys[kksa dk 'kh?kz fuLrkj.kA
(iii) rduhdh dk iwjk ykHk ysdj pSdksa ds HkkSfrd vkokxeu esa
Cheque truncation }kjk deh ykukA
ykHk %
(i) ifjpkyu ykxr esa dehA
(ii) ekuo Je ,oa le; dh cpr
(iii) dk;Z dh xqq.koŸkk esa lq/kkjA
(iv) dksj cSfa dax lksY;w'ku <kaps (IysVQkWeZ) dk csgrj mi;ksx
(v) csgrj ,oe~ Rofjr xzkgd lsok dh fn'kk esa dne
8- lh-ih-ih-lh-µlS.V™ykbTM iS'a ku izkslsflax lSy (dsUnzhd`r is'a ku izfÿ;k
izdks"B)
vc rd gekjh lHkh 'kk[kk,a iS'a ku Hkqxrku dk dk;Z djrh Fkha] ysfdu
ch-ih-vkj- ykxw gks tkus ds mijkUr vc iS'a ku Hkqxrku ds dk;Z dks
dsfUÊr djus gsrq dsUÊhd`r iS'a ku izfÿ;k izdks"Bksa dk xBu fd;k x;k gS
tks vius Lrj ij iS'a ku Hkqxrku lEcU/kh leLr dk;Z dj jgs gSa A
gj eaMy esa LFkkuh; iz/kku dk;kZy; Lrj ij ,d lh-ih-ih-lh- LFkkfir
fd;k x;k gS tgka 'kk[kkvksa }kjk iS'a ku lac/a kh i=kofy;k° vkSj fooj.k
Hkst fn, x, gSAa lh-ih-ih-lh- }kjk iS'a kujkasa dks ns; iS'a ku jkf'k dh
x.kuk dj ekg ds vafre dk;Z fnol dks lh/ks iS'a kujkas ds [kkrs esa tek
dj nh tkrh gSA 'kk[kkvksa }kjk iS'a kujksa ds f'kdk;rh i=] iS'a kuj dh
e`R;q dh lwpuk ,oa vU; lwpuk,a bl dsUÊ dks vxzsf"kr dj fn, tkrs gSAa
[ 20 ]
 bl dsUnz ij ,d f'kdk;rh d{k (grievance cell) Hkh LFkkfir gS] ftlds
}kjk iS'a kujksa dh f'kdk;rksa dk 'kh?kz fuLrkj.k fd;k tk,xkA
iS'a kujkas ls thou izek.k i= (Life Certificate) iwoZor 'kk[kkvkas }kjk
gh izfro"kZ uoEcj ekg esa izkIr dj mudh izfo"Vh lh-ch-,l- esa dh
tkrh gSA
9- lh-,l-ih-ih-lh-&lS.V™ykbTM lSysjh ,.M iS'ku izkslsflax lSUVj %
,pvkj,e,l ds varxZr dk;Zjr bl lSUVj us cSd a dh lHkh ns'kh;
'kk[kkvksa ds LVkQ ds osru vkSj vkbZchvkbZ@ ,l-chvkbZ iS'a kujksa ,oa
QSfeyh iS'a kujksa dh iS'a ku dh x.kuk vizy S 2009 ls izkjEHk dj nh
gSA vr% 'kk[kkvksa dks vizy S 2009 ls m‰ dk;Z ugha djus ds funs'Z k fn,
x, FksA 'kk[kk,a fu;a=.k izkf/kdkjh dh vuqefr ls dqN Hkqxrku dj
ik,axhA Hkfo"; esa lh-,l-ih-ih-lh- dk eqf[k;k gekjs deZpkfj;ksa ds osru]
vU; ykHk ,oa LVkQ iS'a ku ds fy, M™kbax vkSj fMLcfl±x vfËkdkjh gksxkA
10- ,l-,-vkj-ch-µLV™sLM ,lsV~l fjtksY;w'ku czkp
a (rukoxzLr vkfLr
lek/kku 'kk[kk) %
mÌs'; µ ,u-ih-,@ vfu;fer [kkrksa ij fuxjkuh j[kuk A
µ olwyh izfÿ;k esa rsth ykuk A
µ le>kSrk izLrkoksa dks vuqeksfnr dj mu ij dkjZokbZ djukA
dk;Z{ks= ls ckgj ds dk;Z
µ LVkQ Ω.kksa dh fuxjkuh
µ d`f"k Ω.kksa dh fuxjkuh
µ isij csLM flD;ksfjVht+ dh izfrHkwfr ij Ω.k
µ 'kgj ds ckgj dh 'kk[kkvksa ds [kkrksa dh fuxjkuh
11- Mh-,-lh-µMkWD;wesVa vkphZoy lSVa j (nLrkost j[kj[kko dsUÊ) %
(i) ;g dsUÊ Hkh ch-ih-vkj- dk Hkkx gSA
(ii) bl dsUÊ ij iqjkus vfHkys[k@ nLrkostksa dk j[kj[kko fd;k
tk,xkA

[ 21 ]
 (iii) ;gk° nLrkostksa dk HkaMkj.k fd;k tk,xk] mudh iqu% LFkkiuk
rFkk muds u"V fd, tkus dh dk;Zokgh Hkh ;gh dsUÊ djsxkA
(iv) 'kk[kk Lrj ij LFkkukarfjr fd, tkus okys vfHkys[kksa dk C;kSjk
rS;kj fd;k tk,xkA
(v) 'kk[kk,a bl dsUÊ dks vius nLrkostksa ds Hk.Mkj.k ds fy, izkFkZuk Hkstx
as hA
(vi) 'kk[kk,a u"V fd, tkus okys vfHkys[k@ nLrkostkas dh lwph
cukdj mUgsa u"V djus gsrq viuh lgefr O;Dr djsx
a hA
y?kq mŸkjh; iz'u
iz'u % ch-ih-vkj- (B.P.R.) ls vki D;k le>rs gS \
mŸkj % O;olk; izfÿ;k iqufoZU;kl (Business Processin Re-engineer-
ing) ls vk'k; O;olk; dh izfÿ;kvksa ij ewyHkwr iqu%fopkj rFkk
vkewy&pwy iqu% vfHkdYiuk }kjk fu"iknu ds egRoiw.kZ ,oa
ledkyhu ekin.Mksa (tSls& [kpZs] xq.koŸkk] lsok rFkk xfr vkfn)
esa cktkj dh ekax ,oa xzkgd dh vis{kkvksa dks ns[krs gq, izHkko'kkyh
lq/kkj ykuk gSA
iz'u % gekjs cSd a esa ch-ih-vkj- ds lykgdkj dkSu gS\aS
mŸkj % eSdsUth (Mc Kinsey) ,.M dEiuh
iz'u % Hkkjrh; LVsV cSd a esa ch-ih-vkj- dh vko';drk fdu dkj.kksa ls
le>h xbZ gS\
mŸkj % cSfa dax {ks= esa ubZ ih<+h ds futh ,oa fons'kh cSd a ksa ds izos'k ls
xzkgdksa dks fo'o Lrjh; ,oa mPp rduhdh ;qDr lsok,a feyuh
izkjEHk gks xbZ ftlds dkj.k cktkj dh n'kk] fn'kk o xzkgdksa dh
vis{kkvksa esa ,d cM+k cnyko vk x;kA gekjh O;olkf;d izfÿ;k
iqjkuh gksus ds dkj.k gekjk cktkj va'k de gksus yxkA vr% bu
ckrksa dks /;ku esa j[krs gq, Hkkjrh; LVsV cSd a us ch-ih-vkj- dh
vko';drk dks le>kA
iz'u % Hkkjrh; LVsV cSd a esa ch-ih-vkj- ds D;k y{; gS\a
mŸkj % & xzkgd lsok@ lqfo/kkvksa ,oa xzkgd lUrks"k esa rRij lsok rFkk
izfÿ;kvksa ds ljyhdj.k] cgqLrjh; forj.k ek/;e vkfn ds
}kjk lq/kkjA
[ 22 ]
 & xzkgdksa ls izxk<+ o yEcs le; rd pyus okys lEcU/kksa dk
lrr~ fuekZ.kA
& mRikndrk ekun.Mksa tSls izfr deZpkjh O;olk;] izfr deZpkjh
ykHk esa o`fº djukA
& 'kk[kk izcU/kd@ LVkQ dk /;ku vkUrfjd dk;ks± ds LFkku ij
fcÿh rFkk foi.ku ij Qksdl djukA
& u;s xq.koŸkk ;qDr xzkgdksa dks [kkstdj vius ls tksM+ukA
iz'u % ch-ih-vkj- ds 4 izeq[k LrEHk D;k gS\a
mŸkj % & 'kk[kkvksa dh iqul±jpuk (Branch Re-design)
& dsUnzh;œr izfÿ;k dsUÊ (Centralised Processing Centres)
& oSdfYid ek/;eksa }kjk forj.k (Alternate Delivery Channels)
& fof'k"V mRiknksa gsrq fcÿh ny (Sales Force)
iz'u % ch-ih-vkj- ls xzkgdks]a cSd
a deZpkfj;ksa o cSd a dks D;k ykHk gS\a
mŸkj % xzkgdksa dks ykHk %
& xzkgd fe= }kjk xzkgdksa dks 'kk[kk esa izos'k ds lkFk gh leqfpr
lgk;rk o ekxZ n'kZu feyukA
& xzkgdksa ds izrh{kk le; esa dehA
& ,dy f[kM+dh@ xzkgd lEidZ vf/kdkjh }kjk xzkgdksa dks ,d gh
txg ij lHkh izdkj ds ysunsukas (Transactions) dh lqfo/kkA
& cSfa dax gky dk yxHkx 70% (vf/kdre) {ks= xzkgdksa ds mi;ksx
gsrq miyC/k gksuk ftlls eS=hiw.kZ ,oa lq[kn okrkoj.k curk
gSA
deZpkfj;ksa dks ykHk %
& fcÿh ,oa lsok ls lEcfU/kr fÿ;k dykiksa dks vyx dj nsus ls
deZpkfj;ksa ds dkS'ky esa o`fº ,oa fo'ks"kKrk dk fodklA
& cgqLrjh; dkS'ky ds fodkl ls deZpkfj;ksa esa Lo;a laoºZu
(Self enrichment) ,oa vkRe fo'okl esa o`fºA
& 'kk[kkvksa dks iznŸk lhfer jksy ds dkj.k 'kk[kk esa dk;Zjr
deZpkjh vius&vius jksy@ Hkwfedk dks T;knk Li"V :i ls
le> ldrs gSa A
& deZpkfj;ksa ds chp Vhe Hkkouk dk fodklA

[ 23 ]
cSd
a dks ykHk
& fdlh deZpkjh dh vpkud vuqifLFkfr ls xzkgd lsok izHkkfor
ugha gksxhA deZpkfj;ksa esa cgqLrjh; dkS'ky ds fodkl ls xzkgd
lsok fuckZ/k :i ls pyrh jgsxhA LVkQ dk cgq&Lrjh; dkS'ky
'kk[kk ds dk;ZHkkj dks lUrqfyr ,oa lqpk: :i ls fuiVkus esa
lgk;d ftlls mRikndrk esa o`fº gksxhA
& 'kk[kk esa lsok izcU/kd (Service Manager) dh Hkwfedk dk l`tu gks
tkus ls vc 'kk[kk izcUËkd viuk /;ku 'kk[kk ds vkUrfjd dk;ks± ds
ctk; fcÿh ,oa foi.ku ij dsfUÊr dj ldsx a As
iz'u % ch-ih-vkj- ds vUrxZr 'kk[kk izcU/kd dh eq[; Hkwfedk D;k gS\
mŸkj % 'kk[kk izcU/kd vius vf/kdka'k (yxHkx 60%) le; dk mi;ksx
vPNs ewY;oku xzkgdksa ls lEidZ vftZr djus esa rFkk 'kk[kk ds
orZeku fcÿh@ ijLij fcÿh Lrj dks c<+kus esa yxk,axsA
iz'u % ch-ih-vkj- ds vUrxZr 'kk[kk esa lsok izcU/kd (lfoZl eSustj)
dh D;k Hkwfedk gS \
mŸkj % & LVkQ dks dk;Z dk mfpr caVokjk (Allocation) dj 'kk[kk ds
lqpk: lapkyu dks lqfuf'pr djukA
& xzkgd lsok ds okafNr Lrj dks cuk;s j[kus dh lEiw.kZ ftEesnkjhA
& flaxy foaMks vkijsVj (SWO) ds vf/kdkj ls vf/kd ds dk;Z
lEiknu dks izkf/kœr (authorise) djukA
& xzkgdksa dh lsok lEcU/kh f'kdk;rksa dk mfpr fuiVku djukA
& 'kk[kk ifjlj ds mfpr j[kj[kko dks lqfuf'pr djukA
& 'kk[kk ds dk;Z dks fuckZ/k :i ls pykus gsrq lEcfUËkr oSUMlZ@
lIyk;lZ ds izcUËku dks lqfuf'pr djukA
& LVkQ ls lEcfU/kr iz'kkldh; ekeyksa ds fjdkMZ] tSls vodk'k
fjdkMZ o vU; fjdkMZ] dks fu;fer o Bhd j[kukA
& 'kk[kk esa yfEcr izfof"V;ksa tSls& IOA Memos, GLIF vkfn
izfof"V;ksa dk rqjUr feyku dj fuiVkjk djukA
& okYV o ,-Vh-,e- ds la;qDr vfHkj{kd dk nkf;RoA

[ 24 ]
iz'u % RACPCs gsrq fofHkUu Ω.k mRiknksa ds fy;s VuZ vjkm.M VkbZe
(TAT) fdruk fu/kkZfjr fd;k x;k gS\
mŸkj % vkokl Ω.k & 6 fnu
f'k{kk Ω.k & 5 fnu
cU/kd Ω.k o jsUV Iyl & 6 fnu
okgu Ω.k & 2 fnu
iz'u % lh-,-lh- (CAC–Currency Administration Cell) ds ykHk crkb;sA
mŸkj % & 'kk[kk esa uxnh dk vuqdwyre (Optimum) Lrj cuk, j[kukA
& ,d 'kk[kk ls nwljh 'kk[kk dks udn jkf'k isz"k.k ([ktkuk) esa
;k=k [kpZ dks U;wure djukA
iz'u % ch-ih-vkj- ds vUrxZr fofHkUu dsUÊh;œr izkslsflax dsUÊ dkSu
ls gSa\
mŸkj % 01. Liability Central Processing Centre (LCPC)
02. Retail Assets Central Processing Centre (RACPC)
03. Small and Medium Entrerprises City Credit Centre
(SMECCC)
04. Centralised Pension Processing Cell (CPPC)
05. Trade Finance Central Processing Centre (TFCPC)
06. Stressed Assets Resolution Branch (SARB)
07. Currency Administration Cell (CAC)
08. Centralisd Clearing Processing Centre (CCPC)
09. Document Archival Centre (DAC)
10. Centralised Settlement & Reconciliation of P P F
Transactions (CSRP)
11. Inward Remittance Cell (IRC)
12. Rural Centralised Processing Centre (RCPC)
13. Retial Assets, Small and Medium Enterprises City Credit
Centre (RASMESCCC)
14. Mid Corporate Loan Administration Unit (MCLAU)

[ 25 ]
iz'u % ch-ih-vkj- ds vUrxZr xzkgdksa dk oxhZdj.k fdl izdkj fd;k
x;k gS\
mŸkj % Js.kh okf"kZd vk;
Super Affluent – #0 50 yk[k ls vf/kd
Affluent – #0 10 yk[k ls vf/kd #0 50 yk[k rd
Mass Affluent – #0 2-40 yk[k ls vf/kd #0 10 yk[k rd
Mass – #0 0-70 yk[k ls vf/kd #0 2-40 yk[k rd
Lower Mass – #0 0-70 yk[k rd
iz'u % ch-ih-vkj- ds vUrxZr eSV™ks@ 'kgjh tula[;k lewg ds fy,
,p-,u-vkbZ- (HNI) dh ifjHkk"kk D;k gS\
mŸkj % fdlh xzkgd dk cSd a ls dqy lEcU/k U;wure #- 15-00 yk[k gks ,oa
fuEufyf[kr esa ls de ls de nks dkjd gks%a
(v) Ω.k de ls de % #- 10-00 yk[k
(c) tek de ls de % #0 5-00 yk[k
(l) vkfLr izcU/ku de ls de % #0 2-50 yk[k
iz'u % ch-ih-vkj- ds vUrZxr vºZ'kgjh@ xzkeh.k tula[;k lewg esa ,p-
,u-vkbZ- (HNI) dh ifjHkk"kk D;k gS\
mŸkj % (v) dqy lEcU/k U;wure #0 7-50 yk[k rFkk fuEu esa ls de ls
de nks dkjd gks%
(c) Ω.k U;wure % #0 5-00 yk[k
(l) tek U;wure % #0 2-50 yk[k
(n) cSda }kjk vkfLr izcU/ku] U;wure % #0 1-25 yk[k
iz'u % SARB esa vykHkdkjh vkfLr;ksa ds vUrj.k dh ekSfÊd lhek
D;k gS\
mŸkj % ;fn ml dsUnz ij SAMB fo|eku gS rks #0 1 djksM+ rd dh
vykHkdkjh vkfLr;ksa dk vUrj.k gksrk gS vkSj ;fn dsUnz ij SAMB
fo|eku ugha gS rks #0 5 djksM+ rd dh vykHkdkjh vkfLr;ksa dk
vUrj.k gksrk gS] fdUrq e/; dkjikZsjsV [kkrs] BIFR [kkrs] LVkQ
[kkrs] œf"k [k.M ds [kkrs o /kks[kk/kM+h (tc rd tkap izfÿ;k iwjh u
gks) [kkrksa ls lEcfU/kr vykHkdkjh vkfLr;ksa dk vUrj.k SARB esa
ugha gksrkA
[ 26 ]
 4- vius xzkgd dks tkfu,
Know Your Customer

Hkkjrh; fjtoZ cSda ds ^^vius xzkgd dks tkfu,** (KYC-Know Your

Customer) fn'kk funsZ'kksa (Guidelines) vkSj bl lEcU/k esa gekjs cSd
a ds cksMZ
}kjk vuqeksfnr ^^uks ;ksj dLVej] ,UVh euh ykW.Mfjax ,.M dEcsfVax
Qkbusfa l;y VsjfjTe ikWfylh** ds vuqlkj fdlh Hkh O;f‰ dks gekjs cSd a
esa fdlh Hkh izdkj dk [kkrk [kksyus ls iwoZ ^^vius xzkgd dks tkfu,**
ekun.Mksa dh vuqikyuk gsrq fuEukuqlkj QksVks ;qDr ^^igpku dk izek.k**
,oa ^^irs dk izek.k** nsuk vko';d gS%
(d) ikliksVZ ;k oksVj vkbZMh dkMZ ;k iS'a ku Hkqxrku vkns'k (Pension
Payment Order) (ljdkjh@ ljdkjh {ks= ds miÿe) vkfn esa ls dsoy ,d
nLrkost i;kZIr gS] ;fn [kkrk [kksyus ds QkeZ vkSj mijksDr nLrkost esa
fn;k x;k irk ,d leku gSA
;k
([k) igpku ds izek.k vkSj irs ds izek.k gsrq fuEu Jsf.k;ksa ls izR;sd esa
ls dksbZ ,d nLrkost %
1- igpku dk izek.k %
(i) ikliksVZ
(ii) oksVj vkbZMh dkMZ
(iii) iSu (PAN) dkMZ
(iv) ljdkj@ lsuk }kjk tkjh vkbZMh dkMZ
(v) izfrf"Br fu;kstd }kjk tkjh vkbZMh dkMZ
(vi) M™kbfoax ykblsl
a
(vii) iS'a ku Hkqxrku vkns'k (Pension Payment Order)
(viii) Mkd?kj }kjk tkjh QksVks vkbZMh dkMZ
(ix) ;wthlh@ ,vkbZlhVhbZ }kjk vuqeksfnr laLFkkvks@a fo'ofo|ky; }kjk
okLrfod (cksukQkbM) Nk=ksa dks tkjh QksVks igpku i=
(x) ;w-vkbZ-Mh- (;wuhd vkbMsfUVfQds'ku) uEcj

[ 27 ]
2- fuokl dk izek.k %
(i) ÿsfMV dkMZ dk fooj.k (LVsVesVa )
(ii) osru dh iphZ (Salary Slip)
(iii) vk;dj@ lEink dj fu/kkZj.k (Income Tax/ Wealth Tax Assessment)
(iv) fctyh dk fcy
(v) VsyhQksu dk fcy
(vi) cSd
a [kkrs dk fooj.k
(vii) izfrf"Br fu;ksDrk (Reputed employer) }kjk fn;k x;k i=
(viii) ekU;rk izkIr tu izkf/kdkjh (Recognised public authority)
}kjk fn;k x;k i=
(ix) jk'ku dkMZ
(x) iathœr iV~Vk ,oa ykblsl a djkj (Registered Lease & Licence
Agreement)/ foÿ; foys[k (Sale Deed)/ iV~Vk djkj (Lease
Agreement) vkfn dh izfr dks irs ds izek.k ds :i esa Lohdkj
fd;k tk ldrk gSA
(xi) tgk° Nk= jgrk gS ml Nk=kokl }kjk tkjh izek.k i= vkSj
mijksDr fo'ofo|ky;@ laLFkku ds gkWLVy ds okMZu }kjk LFkkuh;
irk vkSj lkFk gh LFkk;h irk lfEefyr djrs gq, irs dk izek.k
tks jftLV™kj@ fizl
a hiy@ Nk= dY;k.k ds Mhu }kjk izfr gLrk{kfjr
fd;k x;k gksA ,sls [kkrs f'k{kk iw.kZ gksus@ fo'ofo|ky;@ laLFkku
NksM+us ij can dj fn, tkus pkfg,A
(xii) vius fj'rsnkjksa ds lkFk jg jgs Nk=ksa ds lEcU/k esa fj'rsnkj ds irs
dk izek.k fj'rsnkj dh igpku ds izek.k ds lkFk Lohdkj fd;k tk
ldrk gS c'krsZ fj'rsnkj ;g ?kks"k.kk djs fd Nk= mldk fj'rsnkj
gS vkSj muds lkFk jg jgk gSA
y?kq mŸkjh; iz'u
iz 1- xzkgd dks dgk° ifjHkkf"kr fd;k x;k gS\
m- vius xzkgd dks tkfu, fn'kkfunsZ'kksa (ds-okbZ-lh- xkbMykbUl) ds
vUrxZr
iz 2- ds-okbZ-lh- fn'kkfunsZ'kksa ds ewy rRo D;k gS\a
m- 1- xzkgd dks Lohdkjuk 2- xzkgd dh igpku
3- ysunsu dh eksfuVfjax 4- tksf[ke izc/a ku
[ 28 ]
iz 3- fdl Js.kh ds xzkgdksa dks ds-okbZ-lh- fn'kkfunsZ'kksa ds vuqikyu esa
vko';d nLrkost izLrqr ugha djus dh NwV nh xbZ gS\
m- ,sls NksVs tekdrkZ@ xzkgd ftuds lHkh [kkrksa dk 'ks"k #- 50]000@&
ls vf/kd ,oa ,d o"kZ esa tek ysu&nsuksa dk ;ksx #- 1]00]000@&
ls vf/kd ugha gks] tSls ^^uks f›Yl** [kkrs
iz 4- ds-okbZ-lh- ekun.Mksa ds vuqlkj cpr cSd a ] pkyw ,oa lhlh [kkrksa
esa fdruh jkf'k ls vf/kd ds vkgj.k vkSj tek ysu&nsuksa dh
eksfuVfjax gsrq ,sls ysunsuksa dks ,d vyx jftLVj esa uksV fd;k
tkrk gS vkSj fu;U=d vf/kdkjh dks fjiksVZ fd;k tkrk gS\
m- #- 10 yk[k ,oa vf/kd
iz 5- ftl xzkgd ds ikl LFkk;h [kkrk la[;k (PAN) dkMZ ugha gS mUgsa
[kkrk [kksyrs le; dkSu&lk QkeZ izLrqr djuk gksxk\
m- QkeZ la[;k 60 ;k 61
iz 6- cpr [kkrk [kksyus gsrq la'kksf/kr QkeZ esa [kkrk/kkjd dh igpku
gsrq fdl u, nLrkost dks 'kkfey fd;k x;k gS\
m- ;wvkbZMh (;wuhd vkbMsfUVfQds'ku) uEcj
iz 7- dsokbZlh fn'kkfunsZ'kksa ds vuqlkj osruHkksxh deZpkfj;ksa dks fdl
tksf[ke Js.kh ds vUrxZr oxhZœr fd;k tkrk gS\
m- yks fjLd (de tksf[ke)
iz 8- dsokbZlh fn'kkfunsZ'kksa ds vUrxZr ^^Fksz'kgksYM fyfeV** ls D;k
vfHkizk; gS\
m- O;fDr;ksa gsrq okf"kZd vk; dk 25¯ ;k fctusl izksQs'kuy lfgr
fctusl ,.Vjizkbtst dk ,d ekg dk VuZvksoj ;k #- 10 yk[k tks
Hkh de gks dks Fkzs'kgksYM fyfeV ds :i esa ifjHkkf"kr fd;k x;k gSA
iz 9- ,-,e-,y- (AML) ls D;k rkRi;Z gS \
m- ,UVh euh yk.Mfjax dk rkRi;Z dkys/ku dks lQsn cukus ls jksduk gSA
iz 10- xzkgdksa ds [kkrksa esa gq, ysu&nsuksa dh eksfuVfjax gsrq dkWiksZjsV dsUnz]
eqEcbZ ds fu;U=.k esa dsokbZlh@ ,,e,y lSy dgk° LFkkfir fd;k
x;k gS\
m- t;iqj
iz 11- dsokbZlh@ ,,e,y lSy] t;iqj }kjk xzkgdksa ds [kkrksa esa gq,
ysu&nsuksa dk fo'ys"k.k fdl lkW∂Vos;j ls fd;k tkrk gS\
m- ,eykWd (Amlock)
[ 29 ]
iz 12- fofHkUUk izdkj ds xzkgdkas dks fdl izdkj tksf[keksa dh fofHkUu
Jsf.k;kas ds vUrZxr oxhZœr fd;k x;k gS\
m- xzkgdkas dks fuEukuqlkj rhu Jsf.k;kas esa ckaVk x;k gS %
de tksf[ke (Low Risk) %
(i) osru Hkksxh deZpkjh@ iS'a kuj vkfn ftudh vk; lajpuk lqifjHkkf"kr
(Well defined) gSA
(ii) lekt ds fuEu vkfFkZd oxZ ds yksx ftuds [kkrkas esa 'ks"k de gksrk
gS vkSj ysu&nsu NksVs gksrs gSAa
(iii) vU; O;f‰ ftuds [kkrkas esa ukes ;k tek ysu&nsukas dk ;ksx
:- 10 yk[k izfro"kZ ls de gksrk gSA
(iv) NksVs O;olk;h ,oa NksVh ifCyd fyfeVsM dEiuh ftuds ukes ;k
tek ysunsukas dk ;ksx :- 10 yk[k izfro"kZ ls de gksrk gSA
(v) ljdkjh foHkkx] ljdkjh LOkkfeRo dh daifu;k°] jkT; ,oa dsUÊ ds
fu;a=d foŸkh; laLFkku ,oa lao/S kkfud fudk; A
e/;e tksf[ke (Medium Risk) %
(i) ,sls O;fDr tks O;kikj esa yxs gksa A
(ii) futh {ks= dh Qes±] izkbosV fyfeVsM dEifu;k°] ifCyd fyfeVsM
dEifu;k°&ftuds ysu&nsukas dk ;ksx : 10 yk[k ls :- 1 djksM+
izfro"kZ rd gSa A
mPp tksf[ke (High Risk) %
(i) izkbZosV {ks= dh Qeks±] izkbosV fyfeVsM dEifu;kas vkSj O;f‰;ksa ds
[kkrs ftuds ukes ;k tek ysunsukas dk ;ksx :- 1 djksM+ izfro"kZ ls
vf/kd gksA
(ii) dqN fpfUgr ns'kkas tSls E;kaekj] ukbthfj;k vkfn ds fuoklh
xzkgd A
(iii) Hkkjr vkSj fons'kkas ls nku izkIr djus okys V™LV] pSfjVht]
,u-th-vks- ,oa laxBu vkfnA
(iv) fons'kh ewy ds jktuhfrd O;f‰ ˝ikWfyfVdyh ,DliksTM ijlUl
(PEPs) ˛
(v) ,sls xzkgd ftuls vkeuk lkeuk ug∞ gqvk gks (Non face to face
customers) A
(vi) lansgkLin izfr"Bk (Dubious reputation) okys O;fDrA
(vii) ,u-ih-,- gks x, Ω.k [kkrsA

[ 30 ]
iz 13- izhos'a ku vkWQ euh ykW.Mfjax ,DV] 2002 (ih,e,y,) ds vuqlkj
ysu&nsuksa dk fjdkMZ fdruh vof/k rd lqjf{kr j[kk tkuk pkfg,\
m- #- 10 yk[k ls vf/kd udn ysu&nsu vkSj lansgkLin ysu&nsuksa dk
vfHkys[k 10 o"kZ rd lqjf{kr j[kk tkuk pkfg, A
iz 14- xzkgdksa dh igpku ;Fkk QksVks] irs vkfn dks fdrus varjky ij
v?kru (viMs'ku) fd;k tkuk pkfg,\
m- (i) de tksf[ke (Low Risk) okys xzkgd % 5 o"kZ esa ,d ckj
(ii) e/;e (Medium) ,oa % 2 o"kZ esa ,d ckj
mPp (High) tksf[ke okys xzkgd
iz 15- ;fn vo;Ld (Minor) dh vk;q 10 o"kZ ls de gks rks fdl O;fDr
dk igpku dk izek.k fy;k tk,xkA
m- ml O;f‰ dk tks [kkrs esa ysu&nsu djsxk A
iz 16- vlkekU; ysu&nsukas (Unusual transactions) dh tk°p fdl
Lrj ds vf/kdkfj;kas }kjk dh tkrh gS \
m- (i) :- 1 yk[k rd µ ikflax@ ikj.k vfËkdkjh
(ii) :- 1 yk[k ls vf/kd ls µ eSut
s j vkWQ fMohtu
:- 5 yk[k rd
(ii) :- 5 yk[k ls vf/kd µ 'kk[kk izcU/kd

[ 31 ]
 5. lkekU; cSafdax % izs"k.k ,oa laxzg.k
1- M™k∂V ,oa cSd
a lZ pSd tkjh djus gsrq vc dkWeu flD;ksfjVh QkeZ dk
iz;ksx fd;k tkrk gS] ftls vkbZvksvkbZ (IOI) dgrs gSAa ;gk° vkbZ-vks-
vkbZ- ls D;k rkRi;Z gS \
(v) bUVjczk°p vkWijs'ku bULV©™esUV (c) bUVj vkWfQl bULV™D'ku
(l) bfUM;u vkWfQl bULV™D'ku (n) bUVj vkWfQl bULV™©esVa
2- D;k LFkkuh; 'kk[kkvksa ij M™k∂V tkjh fd;k tk ldrk gS\
(v) gk° (c) ugha
3- fdl lhek rd M™k∂V udn jkf'k tek djds cuok, tk ldrs gS\a
(v) #- 49]999@& rd (c) #- 50]000@& rd
(l) #- 99]999@& rd (n) #- 1]00]000@& rd
4- [kkrs ls vUrj.k dh rqyuk esa udn jkf'k }kjk M™k∂V@ cSd
a lZ pSd
cuokus ij fdruk vfrfjDr izHkkj (dS'k gS.Mfyax pktZ) olwy
fd;k tk;sxk \
(v) :- 5@& izfr fy[kr (c) :- 10@& izfr fy[kr
(l) :- 25@& izfr fy[kr (n) dksbZ vfrfjDr 'kqYd ugha
5- M™k∂V tkjh djuss ls izkIr vk; fdl [kkrs esa tek dh tkrh gS \
(v) C;kt [kkrk (c) ,DlpsUt [kkrk
(l) deh'ku [kkrk (n) fMLdkmaV [kkrk
6- fdruh jkf'k ds M™k∂Vksa ij gksyksxzke fLVdj fpidk;k tkrk gS \
(v) #- 50]000@& ,oa vf/kd (c) #- 1 yk[k ,oa vf/kd
(l) #- 5 yk[k ,oa vf/kd (n) #- 10 yk[k ,oa vf/kd
7- fdruh jkf'k ds M™k∂V ij nks vf/kdkfj;ksa ds gLrk{kj gksus pkfg,\
(v) #- 10]000@& o vf/kd (c) #- 1]00]000@& o vf/kd
(l) #- 1]50]000@& o vf/kd (n) lHkh jkf'k ds M™k∂Vksa ij
8- chvkbZ,ds (BIAK) ls D;k rkRi;Z gS \
(v) fCkYV bu vkFksfUVds'ku dh
(c) czkpa vkbMsfUVfQds'ku ,.M vkFksfUVds'ku dh
(l) czkp
a buokMZ vkFkksjkbts'ku dh
(n) czkp
a bUVj vkWfQl vkFkksjkbts'ku fdV
[ 32 ]
9- ;fn M™k∂V ds [kjhnnkj (vkosnd) dh okLrfodrk (cksukQkbM~l) esa
dksbZ la'k; ugha gks rks HkqxrkudrkZ 'kk[kk (Drawee branch) ls
^^vHkqxrku izek.k i=** (Non-Payment Certificate) izkIr fd, fcuk
fdruh jkf'k rd MqIyhdsV M™k∂V tkjh fd, tk ldrs gS \
(v) #- 10]000@& rd (c) #- 20]000@& rd
(l) #- 50]000@& rd (n) #- 1]00]000@& rd
10- ;fn cSd
a vkosnd dh gSfl;r ls lraq"V gks vkSj vkosnd ewy M™k∂V
tkjh djus dh frfFk dks U;wure 6 ekg ls ds-oh-bZ-lh- ekun.Mkas dh
vuqikyuk dj [kkrk larks"ktud <ax ls pyk jgk gks rks cSd
a fdruh
jkf'k rd fcuk tekur (Surety) fy, MqIyhdsV M™k∂V tkjh dj
ldrk gS \
(v) #- 5]000@& (c) #- 10]000@&
(l) #- 20]000@& (n) #- 50]000@&
11- ;fn ewy M™k∂V o MqIyhdsV M™k∂V ,d lkFk Hkqxrku ds fy;s izLrqr
fd, tkrs gSa rks ge&
(v) nksuksa dk Hkqxrku djsx
a s
(c) ewy M™k∂V dk Hkqxrku djsx a s vkSj MqIyhdsV M™k∂V ykSVk nsx
a s
(l) MqIyhdsV M™k∂V dk Hkqxrku djsx a s vkSj ewy M™k∂V ykSVk nsx
a s
(n) fdlh dk Hkh Hkqxrku ugha djsx a s
12- M™k∂V dk iquoSZ/khdj.k (Revalidation) dkSu djk ldrk gS \
(v) dsoy M™k∂V dk [kjhnnkj
(c) dsoy ykHkkFkhZ
(l) [kjhnnkj ;k ykHkkFkhZ nksukas esa ls dksbZ Hkh
(n) nksuksa esa ls dksbZ Hkh ugha
13- M™k∂V dk iquoSZ/khdj.k (Revalidation) fdruh ckj fd;k tk ldrk
gS \
(v) dsoy ,d ckj (c) dsoy nks ckj
(l) fdruh gh ckj (n) ,slk dksbZ izko/kku ugha gSa
14- iquoSZ/khdj.k fd;k gqvk M™k∂V fdrus le; ds fy;s oS/k gksrk gS \
(v) rhu ekg (c) 12 ekg (l)vlhfer vof/k
(n) iquoSZ/khdj.k dh frfFk ls 6 ekg rd ysfdu M™k∂V tkjh djus
dh ewy frfFk ls 1 o"kZ rd A
[ 33 ]
15- fdruh jkf'k ls vf/kd ds M™k∂V@ cSda lZ pSd dks fujLr (dSfa ly)
djokdj Hkqxrku izkIr djus gsrq jlhnh fVdV yxkuk vko';d gS \
(v) #- 500@& ,oa vf/kd (c) #- 1000@& ,oa vf/kd
(l) #- 5000@& ,oa vf/kd (n) #- 10]000@& ,oa vf/kd
a lZ pSd ds iquoSZ/khdj.k (Revalidation)/ fujLrhdj.k
16- M™k∂V@ cSd
(Cancellation)/ vuqfyfi (Duplicate) tkjh djus ij] 15 twu]
2010 ls izHkkoh njkas ds vuqlkj] izfr fy[kr (Per instrument)
fdruk lsok izHkkj olwy fd;k tk,xk \
(v) :- 25@& izfr fy[kr (c) :- 50@& izfr fy[kr
(l) :- 75@& izfr fy[kr (n) :- 100@& izfr fy[kr
17- cSd
a lZ pSd vf/kdre fdruh jkf'k rd tkjh fd;k tk ldrk gS \
(v) #- 10]000@& (c) #- 1]00]000@&
(l) #- 10]00]000@& (n) vlhfer jkf'k
a lZ pSd [kkrs esa iM+h vnkfor (Unclaimed)
18- rhu o"kZ ls vf/kd cSd
jkf'k dks fdl [kkrs esa tek fd;k tkrk gS \
(v) C;kt [kkrk (c) deh'ku [kkrk
(l) ,DlpsUt [kkrk (n) [kpkZ [kkrk (fofo/k)
a lZ pSd [kkrk esa rhu o"kZ ls vf/kd cdk;k vnkfor (unclaimed)
19- cSd
izfof"V;k° 'kk[kk izcU/kd }kjk fcuk fu;U=d dk;kZy; dh vuqefr
ds vfËkdre fdruh jkf'k rd [kpZ [kkrk (fofo/k) esa varfjr dh
tk ldrh gSa \
(v) #- 1]000@& (c) #- 2]000@&
(l) #- 5]000@& (n) #- 10]000@&
20- Mh-Mh- ijpst fd;s x;s pSdksa dk Hkqxrku 'kk[kk ds fdl [kkrs dks
ukes fy[k dj fd;k tkrk gS \
(v) 'kk[kk lek'kks/ku lkekU; [kkrk (c) Mh-Mh- ijpst [kkrk
(l) mpUrh [kkrk (n) vuqlwph la[;k 5

[ 34 ]
21- oS;f‰d foi.ku [k.M ds vUrZxr fdruh jkf'k rd xzkgd ds i{k
esa tkjh ck· pSdksa dh Mh-Mh- ijpst djds jkf'k xzkgd ds cpr cSd
a
[kkrs esa rqjUr tek dj nh tkrh gS \
(v) #- 10]000@& (c) #- 15]000@&
(l) #- 25]000@& (n) #- 30]000@&
22- vkjVhth,l ls D;k vfHkizk; gS \
(v) jh;y Vkbe xqzi lSVyesVa (c) jh;j Vkbe xzkWl lSVyesVa
(l) jh;y Vkbe xzkWl lSVyesVa (n) fjiksVZ Vkbe xzkWl lSVyesVa
23- vkjVhth,l dh lqfo/kk gekjh fdu 'kk[kkvksa esa miyC/k gS \
(v) gekjh lHkh 'kk[kkvksa esa
(c) fo'ks"k vf/kœr 'kk[kkvksa esa
(l) dsoy 'kgjh ,oa eSV™ks 'kk[kkvksa esa
(n) dsoy ih-ch-ch- 'kk[kkvksa esa
24- vkjVhth,l }kjk izsf"kr jkf'k ykHkkFkhZ (Beneficiary) ds [kkrs esa
lkekU;r;k fdrus le; esa tek gks tkuh pkfg, \
(v) yxHkx 30 feuV esa
(c) 3 ?k.Vs esa
(l) mlh fnu lka; 6 cts ls igys
(n) vxys fnu izkr% 10 cts ls igys
25- ,ubZ,QVh ls D;k rkRi;Z gS \
(v) us'kuy bfDoVh Q.M V™kl a Qj
(c) us'kuy bysDV™kWfud Q.M V™kla Qj
(l) us'kuy bejtsla h Q.M V™kla Qj
(n) ukWu ,ufÿIVsM Q.M V™kl
a Qj
26- ,ubZ,QVh }kjk :-1 yk[k rd ck· izs"k.k ij fdruk izHkkj fy;k
tk,xk\
(v) :- 1@& izfr ysunsu (c) :- 25@& izfr gtkj
(l) :- 5 @& izfr ysunsu (n) fu%'kqYd

[ 35 ]
27- eSV™ks dsUÊkas@ estj , Js.kh ds 'kgjkas] jkT;kas dh jkt/kkfu;kas (mŸkj
iwohZ jkT;kas ,oa flfDde dks NksM+dj) vkSj {ks=&I ds 'kgjkas ds
vfrfjDr vU; dsUÊksa ij fLFkr gekjh 'kk[kkvkas ds chp pSd vkfn
dk laxzg.k vf/kdre fdruh vof/k esa gks tkuk pkfg, \
(v) 7 fnu (c) 10 fnu
(l) 14 fnu (n) 15 fnu
28- pSd vkfn ds laxzg.k esa gqbZ nsjh dks fdruh vof/k ds ckn vlkekU;
nsjh (Abnormal delay) ekuk tk,xk \
(v) 15 fnu ls vf/kd (c) 30 fnu ls vf/kd
(l) 45 fnu ls vf/kd (n) 90 fnu ls vf/kd
29- tek [kkrkas esa laxzg.k gsrq tek djk, x, pSdkas dh jkf'k ij laxzg.k
gsrq fu;r vof/k ds i'pkr~ ysfdu 45 fnu rd gqbZ nsjh dh vofËk
ds fy, fdl nj ls C;kt dk Hkqxrku fd;k tk,xk \
(v) cpr cSd
a [kkrk dh C;kt nj
(c) fe;knh tek [kkrs dh C;kt nj
(l) 5¯
a ds ,MokUl jsV (SBAR)
(n) LVsV cSd
30- vf/kfod"kZ (Overdraft) ,oa Ω.k (Loan) [kkrkas esa laxzg.k gsrq tek
djk, x, pSd vkfn dh jkf'k ij fu;r vof/k ds i'pkr~ ysfdu
45 fnu rd gqbZ nsjh dh vof/k ds fy, xzkgd dks fdl nj ls C;kt
dk Hkqxrku fd;k tk,xk \
(v) cpr cSd
a [kkrs dh C;kt nj
(c) fe;knh tek [kkrs dh C;kt nj
(l) 5¯
a ds ,MokUl jsV (SBAR)
(n) LVsV cSd
31- ;fn [kkrs esa tek djk, x, pSd vkfn ds laxzg.k esa 45 fnu ls
vfËkd vFkkZr~ vlkekU; nsjh (Abnormal delay) gks tk, rks xzkgd
dks foyfEcr vof/k gsrq fdl nj ls C;kt dk Hkqxrku fd;k tk,xk \

[ 36 ]
 (v) lof/k tek [kkrs dh C;kt nj
(c) lof/k tek [kkrs dh C;kt nj ls 2¯ vf/kd
(l) LVsV cSd
a ,Mokal jsV ls 2¯ vf/kd
(n) nsjh ds fy, fu;r C;kt nj ls 1¯ vf/kd
32- laxzg.k esa gqbZ nsjh ds fy;s U;wure fdruk C;kt fn;k tk,xk \
(v) :- 1@& (c) :- 5@&
(l) :- 10@& (n) :- 20@&

mŸkjekyk
1- n 2- c 3- v 4- c 5- c 6- c 7- l
8- v 9- v 10- n 11- l 12- l 13- v 14- n
15- l 16- n 17- n 18- n 19- l 20- c 21- n
22- l 23- v 24- v 25- c 26- l 27- c 28- l
29- l 30- n 31- n 32- l

[ 37 ]
 6. lkekU; cSafdax % jksdM+
1- ,d #i;s ds uksV ij fdlds gLrk{kj gksrs gSa \
(v) jk"V™ifr (c) iz/kkuea=h
(l) foŸk lfpo] Hkkjr ljdkj (n) xoZuj] Hkkjrh; fjtoZ cSd
a
2- djsl
a h psLV esa j[kh udn jkf'k (dS'k) fdldh lEifŸk gksrh gS \
(v) vkjchvkbZ dh (c) ljdkj dh
(l) cSda dh (n) mijks‰ esa ls dksbZ ugha
3- 'kk[kk esa jksdM+ 'ks"k de ls de D;ksa j[kk tkrk gS \
(v) pksjh ds [krjs ls cpus ds fy,s
(c) Hkkjrh; fjtoZ cSd a dks vf/kd ls vf/kd jksdM+ miyC/k djkus gsrq
(l) 'kk[kk dh ykHkiznrk c<+kus gsrq
(n) mijks‰ esa ls dksbZ ugha
4- la ; q D r vfHkj{kd (Joint Custodian) dks fdl ew Y ; oxZ
(Denomination) ds uksVksa dks Lo;a fxuuk pkfg,\
(v) #- 50@& ,oa mlls vf/kd (c) #- 100@& ,oe~ mlls vfËkd
(l) #- 500@& ,oe~ mlls vf/kd (n) fDyi flLVe ls lHkh uksV
5- NksVk flDdk fMiks (Leky Dokbu fMiks) fdldh lEifŸk gksrh gS\
(v) cSda (c) Hkkjrh; fjtoZ cSda
(l) Hkkjr ljdkj (n) lEcfU/kr eqnz.kky; (feaV)
6- NksVs flDdksa dh vkiwfrZ dkSu djrk gS\
(v) Hkkjr ljdkj (c) Hkkjrh; fjtoZ cSd
a
(l) Vdlky (feUV) (n) jk"V™h; flDdk fMiks
7- Leky Dokbu fMiks (,l-lh-Mh-) esa fdl ewY; oxZ ds flDds vkrs gS\a
(v) ik°p #i;s rd (c) nks #i;s rd
(l) ,d #i;s rd (n) ipkl iSls rd
8- xkjUVh ck.M flLVe esa fdl ewY;oxZ rd ds uksV j[ks tkrs gSa \
(v) #- 50@& rd (c) #- 100@& rd
(l) #- 500@& rd (n) #- 500@& ,oa vf/kd
[ 38 ]
9- iSVh dS'k (QqVdj jksdM+) ls vf/kdre fdruh jkf'k rd ds fcyksa
dk Hkqxrku fd;k tk ldrk gS\
(v) #- 50@& rd (c) #- 100@& rd
(l) #- 500@& rd (n) dksbZ lhek ugha
10- iSVh dS'k ls Hkqxrku ds le; ^^iSVh dS'k&cqd** esa Hkqxrku izkIrdrkZ
ds gLrk{kj vko';d gSA
(v) lgh
(c) xyr] Hkqxrku izkIrdrkZ ds gLrk{kj lEcfU/kr okmpj ij gh
djok fy, tkrs gS]a iSVh dS'k&cqd esa ughaA
11- ,d c.My esa fdrus iSdsV gksrs gSa \
(v) 10 (c) 5
(l) 100 (n) fdrus Hkh gks ldrs gSa
12- ,d eqnzk frtksjh (Currency Chest) ls nwljh eqnzk frtksjh rd dks"k
izs"k.k gsrq okgu [kpZ vkfn fdlds }kjk ogu fd;k tkrk gS \
(v) Hkkjrh; fjtoZ cSd a }kjk
(c) izs"k.k Hkstus okyh 'kk[kk }kjk
(l) izs"k.k izkIr djus okyh 'kk[kk }kjk
(n) LFkkuh; iz/kku dk;kZy; }kjk
13- Hkkjr esa vf/kdre fdl ewY; oxZ (Highest denomination) ds uksV
izpyu esa gSa \
(v) #0 500 (c) #0 1]000
(l) #0 5]000 (n) #0 10]000
14- fdl ewY; oxZ ds vlyh uksVksa esa lqj{kk /kkxk (flD;ksfjVh FkzsM)
gksrk gS\
(v) #- 1@& lfgr lHkh ewY; oxZ (c) #- 2@& o vf/kd
(l) #- 5@& o vf/kd (n) #- 10@& o vf/kd
15- djsla h psLV esa ysunsu fdruh jkf'k ds xq.kkadksa (Multiples) esa gksuk
pkfg,\
(v) #- 100@& ds xq.kkadksa esa U;wure #- 500@&
(c) #- 500@& ds xq.kkadksa esa U;wure #- 10]000@&
(l) #- 1]000@& ds xq.kkadksa esa U;wure #- 50]000@&
[ 39 ]
 (n) #- 50]000@& ds xq.kkadksa esa U;wure #- 1]00]000@&
16- Leky dkbu fMiks esa ysunsu fdruh jkf'k ds xq.kkadks esa fd;k tkrk
gS\
(v) #- 50@& ds xq.kkadksa esa U;wure #i;s 100@&
(c) #- 50@& ds xq.kkadksa esa U;wure #i;s 500@&
(l) #- 100@& ds xq.kkadksa esa U;wure #- 500@&
(n) #- 500@& ds xq.kkadksa esa U;wure #- 1000@&
17- djsla h psLV mu lHkh 'kk[kkvksa esa gksrk gS tgk°--------------------- O;olk;
gksrk gSA
(v) ljdkjh (c) œf"k
(l) fofo/k (n) oS;fDrd

mŸkjekyk
1- l 2- v 3- l 4- l 5- l 6- v 7- n
8- v 9- v 10- c 11- v 12- v 13- c 14- l
15- n 16- v 17- v

y?kqmŸkjh; iz'u
1- ,d :i, ls vf/kd ewY; oxZ ds uksVkas ij fdlds gLrk{kj gksrs gS]a
vkSj D;kas \
må xouZj] Hkkjrh; fjtoZ cSda A
,d :i;s dk uksV Hkkjr ljdkj }kjk tkjh fd;k tkrk gS tcfd
blls vf/kd ewY;&oxZ ds uksV Hkkjrh; fjtoZ cSd a }kjk tkjh fd,
tkrs gS A
2- uksV iSdVkas ds ≈ij fdl jax ds ikyhej cS.M yxk, tkrs gSa \
må ewY; oxZ jax lkbt
(i) :- 1@& ls :- 20@& rd xqykch 22 x 72 fe-eh-
(ii) :- 50@& ls :-1]000@& rd lQsn 22 x 80 fe-eh-
3- iSVh dS'k dh tk°p fdl vUrjky ij ,oa fdlds }kjk dh tkrh gS \
må 'kk[kk izcU/kd ds }kjk ekg esa fdlh Hkh fnu A
[ 40 ]
4- djsla h psLV 'k[kkvkas }kjk djsl
a h psLV esa gq, ysu&nsukas dks ,Q,Q,yvks
,oa Hkkjrh; fjtoZ cSd a dks fdl izdkj fjiksVZ fd;k tkrk gS \
må vkbdksEl (ICCOMS&baVhxzsVsM dEI;wVjkbTM djsl a h vkWijs'kUl ,.M
eSustesVa flLVe) lkW∂Vos;j }kjk izfrfnu dk;Z lekfIr ds i'pkr~
vkWuykbu fjiksfV±x dh tkrh gSA
5- LekWy dkWbUl fMiks dk j[kj[kko cSd a fdl gSfl;r ls djrk gS\
m- csyh@ Hkkjr ljdkj ds ,tsUV ds :i esa
6- ^^djsl a h V™kUlQj** ls rkRi;Z gS&
m- djsl
a h pSLV esa fnu Hkj fd;s x;s dqy tek o fudklh jkf'k esa vUrj
7- djsl a h V™kUlQj ^ukes* dk vFkZ gS&
m- tc pSLV esa tek dh x;h jkf'k] fudkyh x;h jkf'k ls vf/kd gks
8- ,d #i;s dk flDdk fdldk fgLlk gS\
m- djsl
a h pSLV
9- vizpfyr flDds dgk° j[ks tkrs gS\a
m- la;qDr vfHkj{kk okys csysUl esa
10- jksdM+ vf/kdkjh flaxy foaMks vkWijsVj dks jkf= esa vf/kdre fdruk
jksdM+ 'ks"k j[kus dh Lohœfr ns ldrs gS\a
m- #0 1-00 yk[k
11- fjtoZ cSd a ls izkIr jSfeVSUl esa ;fn fdlh iSdsV esa uksV de gksa rks
m- ml uksV iSdVs dks pSLV jSfeVsUl ds :i esa fjtoZ cSda dks Hkst fn;k tk;sxk
12- jksdfM+;ksa }kjk cuk, rFkk jksdM+ vf/kdkjh }kjk fjdkmUV fd, x;s
#- 100@& ewY; oxZ ds iSdsV~l dk lR;kiu la;qDr vfHkj{kd }kjk
fdl izdkj fd;k tk;sxk\
m- fDyi&flLVe }kjk fxudj
13- u;s uksVksa ds jSfeUVsUl dks fxuus okyk jksdfM+;k fdlds fy;s
mŸkjnk;h gS\
m- ifjek.k@ ek=k ds fy;s
14- ^jksdM+ izkfIr* o ^Hkqxrku* okyh eksgjsa jkf= esa LV™k°x :e esa
fdldh vfHkj{kk esa j[kh tkrh gS\
m- jksdM+ vf/kdkjh
16- jksdM+ foHkkx@ 'kk[kk ifjlj esa ik, x, vnkfor (Unclaimed)
uksV dh jkf'k dks fdl [kkrs esa tek fd;k tk,xk\
[ 41 ]
m- fofo/k tek [kkrk
17- frifg;k okgu (Auto-rickshaw) ls fdruh jkf'k rd jksdM+ ,d
'kk[kk nwljh 'kk[kk dks ys tk ldrs gS\a
m- 2 yk[k #-
18- jSfeVsUl dh iSfdax fdudh mifLFkfr esa gksuh pkfg,\
m- jksdM+ vf/kdkjh] la;qDr vfHkj{kd rFkk lkFk esa tkus okyk jksdfM+;k
19- vk/ks dVs gq, uksV dk fofue; ewY; fdlds }kjk Hkqxrku fd;k tk
ldrk gS
m- jksdfM+;k }kjk
20- jksdM+ izs"k.k (ykus@ ys tkus) esa lqj{kk xkjn ds fu;e D;k gSa \
m- (i) #0 50 yk[k rd &,d lgk;d ,d l'kL= cSda j{kd
(ii) #0 50 yk[k ls 1 djksM+ rd &,d lgk;d ,oa 2 l'kL= cSd a
j{kd
(iii) #0 1 djksM+ ls vfËkd &iqfyl ,LdkVZ
21- #- 1 ewY; oxZ ds uksV esa fdrus vR;ko';d y{k.k ekStwn gksrs gS\
m- 4
22- #- 10@& ewY; oxZ ds uksV esa fdrus vR;ko';d y{k.k ekStnw gksrs gS\a
m- 6
23- flaxy foaMks vkijsVj izfr/kkj.k lhek ds varxZr jkf= esa vius
ckWDl esa fdl ewY; oxZ ds uksV ugha j[ksx a s\
m- #0 500 ,oa #0 1000 ds
24- ukWu b';w,cy uksVksa dh N°VkbZ dk dk;Z dc fd;k tkrk gS\
m- jkstkuk
25- foŸk ea=ky; ds vuqlkj fdl frfFk ls 25 iSls dk flDdk vizpfyr
ekuk tk,xk\
m- 30-06-2011 ls
26- Dyhu uksV ikWfylh dk ikyu u djus ij D;k n.M feyrk gS \
m- :- 5 yk[k vFkZ n.M ;k pSLV dk fujLrhdj.k (Cancellation)

[ 42 ]
 7- tek ;kstuk,a
cSd
a dh lEiw.kZ tekvksa dks pkj eq[; O;olk; [k.Mksa esa oxhZœr fd;k
tkrk gS %
1- okf.kfT;d ,oa laLFkkxr (C&I)
2- y?kq m|ksx ,oa O;olk; (SIB)
3- œf"k (AGL)
4- oS;f‰d (PER)
blh rjg cSd
a dh lEiw.kZ Ω.k ;kstukvksa dks Hkh pkj O;olk; [k.Mksa
esa oxhZœr fd;k tkrk gS %
1- okf.kT; ,oa laLFkkxr [k.M (C&I)
2- y?kq m|ksx ,oa O;olk; [k.M (SIB)
3- œf"k [k.M (AGL) ,oa
4- oS;fDrd [k.M (PER)
Hkqxrku ek°xus ds le; ds vuqlkj cSd
a tekvksa dks nks izdkj esa
oxhZœr fd;k tkrk gS %
1- ek°x tek (Demand deposits) 2- fe;knh tek (Time deposits)
ek°x tek os tek,a gSa tks fd xzkgd }kjk dHkh Hkh ek°xh tk ldrh gS
tSls& cpr [kkrk] pkyw [kkrk] udn lk[k [kkrs esa tek 'ks"k vkfnA
fe;knh tek os tek,a gSa ftuds Hkqxrku dh ek°x ,d fo'ks"k le;kof/k
ds i'pkr~ gh dh tkrh gS tSls& vkorhZ tek] lkof/k (fe;knh) tek
fo'ks"k lkof/k tek] ekM~l (MODS) vkfn A
orZeku esa gekjs cSd
a esa fuEu eq[; tek ;kstuk,a gSa %
• cpr cSd a [kkrk
• pkyw [kkrk
• vkorhZ tek [kkrk
• lkof/k (fe;knh) tek [kkrk
• fo'ks"k lkof/k (fe;knh) tek [kkrk
• cgqfodYih; tek ;kstuk (MODS)
• fdlku fe= tek ;kstuk
• lsfoaXl Iyl ;kstuk
[ 43 ]
 • ofj"B ukxfjd tek ;kstuk
• ,lchvkbZ VSDl lsfoax ;kstuk
• dkiksZjsV fyfDoM fe;knh tek ;kstuk
• ,l ch vkbZ lqjfHk tek ;kstuk
• izhfe;e lsfoax cSd
a [kkrk vkfn
cSad esa fdlh Hkh izdkj dk [kkrk [kksyus ls iwoZ ^vius xzkgd dks
tkfu,* (KYC) lEcU/kh vkSipkfjdrk,a iw.kZ djuk vko';d gSA
1- cpr cSd
a [kkrk (Savings Bank Account)&
cpr cSda [kkrk [kksyus gsrq xzkgd dks Lo;a dh igpku] fuokl dk
irk vkfn ds ckjs esa izek.k nsuk vko';d gSA
cpr cSda [kkrk ,dy O;fDr] nks ;k nks ls vf/kd O;fDr] vfoHkkftr
fgUnw ifjokj vkfn ds uke ls [kksyk tk ldrk gSA [kkrs esa ysu&nsu gsrq
vf/kœr O;f‰ vdsyk] nksukas la;qDr (Both Jointly)] nksuksa la;qDr ;k
mŸkjthoh (B or S)] nksu
a ksa esa dksbZ ,d ;k mŸkjthoh (E or S), iwoZ dfFkr
;k mŸkjthoh (F or S)] i'pkr~dfFkr ;k mŸkjthoh (L or S)] vkfn gks
ldrk gSA
,d vo;Ld Hkh vius Lo;a ds uke ls [kkrk [kksy ldrk gS] c'krsZ
mldh vk;q 10 o"kZ ls vf/kd gS vkSj og vklkuh ls ,d leku gLrk{kj
dj ldrk gSA vU;Fkk laj{kd ds uke ls [kkrk [kksyk tk;sxk A ,d vo;Ld
vdsys vius LOk;a ds uke ls [kksys x, cpr [kkrs esa vf/kdre
#- 2]00]000@& rd tek dj ldrk gSA laj{kd ds laj{k.k (Guardian-
ship) esa [kksys x, vo;Ld ds [kkrs esa vf/kdre :- 20 yk[k rd tek
fd, tk ldrs gSa A
cpr [kkrk [kksyus gsrq U;wure jkf'k fuEu izdkj gS %
xzkeh.k vºZ'kgjh 'kgjh eSV™ks
pSd cqd jfgr #- 250 500 500 500
pSd cqd lfgr #- 500 1000 1000 1000
iSa'kujksa vkSj ofj"B ukxfjdksa ds fy, U;wure jkf'k mijksDr dh
50¯ gSA
pS d cq d jfgr [kkrks a ls /ku dh fudklh vkgj.k QkeZ rFkk
,Vh,e&lg&MsfcV dkMZ }kjk rFkk pSd cqd lfgr [kkrksa ls /ku dh fudklh
pSd] vkgj.k QkeZ rFkk ,Vh,e&lg&MsfcV dkMZ ls dh tk ldrh gSA
[ 44 ]
 pSd }kjk ifjpkfyr [kkrksa ds ifjpkyu gsrq pSd cqd lHkh vkSipkfjdrk,a
iw.kZ gksus ds ckn iznku dh tk;sxhA [kkrk [kksyrs le; 25 pSdksa okyh
igyh pSd cqd (,evkbZlhvkj vFkok ukWu&,evkbZlhvkj) tkjh djus
gsrq dksbZ izHkkj ('kqYd) ugha fy;k tk,xkA igyh ckj tkjh 25 fu%'kqYd
pSdksa ds ckn vkSj pSd tkjh djus gsrq izHkkj #- 2-50@& izfr pSd olwy
fd;k tk;sxkA
vkgj.k QkeZ rFkk pSd }kjk [kkrs ls U;wure fudklh dh lhek
#- 50@& gSA vf/kdre jkf'k fudklh dh dksbZ lhek ugha gSA [kkrs esa udn
jkf'k }kjk U;wure #- 10@& tek fd, tk ldrs gSa ,oa vf/kdre jkf'k
tek djus dh dksbZ lhek ugha gSA
01 tqykbZ] 2009 ls cpr cSd a [kkrk esa 6 ekg esa 30 ukes izfof"V;k°
vuqer gSAa ukes izfof"V;ksa esa lHkh izdkj ls ukes dh xbZ izfof"V;ka lfEefyr
dh tk,axh tSls vkgj.k QkeZ] pSd] i=] LFkk;h vuqns'k (SI) vFkok fdlh
vU; izdkj ls ysfdu LVsV cSd a lewg ds ,Vh,ekas ,oa bUVjusV cSfdax ls fd,
x; ysunsuksa dks bl x.kuk esa 'kkfey ugha fd;k tk,xkA nwljs cSd a ksa ds
,Vh,eksa ls fd, x, ysunsu dks bl x.kuk esa 'kkfey fd;k tk,xkA izR;sd
vºZo"kZ esa 30 ls vf/kd ukes izfof"V;k° gksus ij #- 5@& izfr izfof"V
izHkkj olwy fd;k tk,xkA
xzkgd }kjk cpr cSd a [kkrs esa frekgh vkSlr 'ks"k (QAB) U;wure 'ks"k
ls de j[kus ij n.M dk izko/kku gS bl gsrq 15 twu] 2010 ls izHkkoh njsa
fuEu izdkj gSa %
eSV™ks@ 'kgjh 'kk[kk & #- 225@& izfr frekgh
vºZ'kgjh 'kk[kk & #- 200@& izfr frekgh
xzkeh.k 'kk[kk & #- 100@& izfr frekgh
C;kt % Hkkjrh; fjtoZ cSd a ds funsZ'kkuqlkj 03 ebZ] 2011 ls vke
turk dks 4-0¯ rFkk cSd a LVkQ dks 5-0¯ izfro"kZ dh nj ls C;kt ns; gSA
Hkkjrh; fjtoZ cSd a ds funsZ'kkuqlkj 1 vizy S ] 2010 ls cpr cSd a [kkrksa esa
C;kt dh x.kuk nSfud 'ks"k ds vk/kkj ij dh tkus yxh gSA
cpr cSd a [kkrs esa C;kt #- 1@& ;k vf/kd gksus ij gh Hkqxrku dj [kkrs
esa tek fd;k tkrk gS mlds ckn 50 iSls ;k vf/kd dks vxys iw.kk±fdr #i;s
esa jkm.M vkWQ dj fn;k tkrk gSA 50 iSls ls de jkf'k dks NksM+ fn;k tkrk gSA
cpr cSd a [kkrk ,d 'kk[kk ls nwljh 'kk[kk esa vUrfjr fd;k tk
ldrk gSA 15 twu] 2010 ls izR;sd ckj [kkrk vUrfjr djus gsrq #-
100@& (Mkd[kpZ lfEefyr) izHkkj olwy fd;k tk,xkA
[ 45 ]
 15 twu] 2010 ls izHkkoh njksa ds vuqlkj 14 fnu ds ckn ysfdu 6
ekg ls iwoZ [kkrk cUn djus ij #- 250@& rFkk 6 ekg ckn ysfdu ,d
o"kZ ls igys cpr cSd
a [kkrk cUn djus ij #- 150@& lsok izHkkj yxsxkA
izFke ikl cqd Hkjus ij nwljh yxkrkj iklcqd fcuk 'kqYd tkjh dh
tk,xh fdUrq ikl cqd [kksus ij ek= vafre 'ks"k fy[kdj MqIyhdsV iklcqd
tkjh djus gsrq #- 100@& lsok izHkkj yxsxa sA iqjkus izR;sd yStj Qksfy;ks
(40 izfof"V;ks)a gsrq #- 100@& vfrfjDr izHkkj olwy fd;k tk,xkA
Ng ekg ls vf/kd le; rd larks"ktud <ax ls pyk, x, cpr cSd a
[kkrksa esa [kkrsnkj ds i{k esa #- 30]000@& rd ds ck· LVs'kuksa ds pSdkssa dh
Mh-Mh- ijpst dj jkf'k xzkgd ds [kkrs esa rqjUr tek dh tk ldrh gSA
ftl [kkrs esa nks o"kZ ls dksbZ ysunsu (tek ;k ukes) ugha gksrk og
vifjpkfyr (buvkWijsfVo) [kkrk ekuk tk;sxkA
ftu [kkrksa esa 'ks"k #- 50]000@& ;k vf/kd gksa vkSj ,d o"kZ ;k mlls
vf/kd rd dksbZ tek] ukes izfof"V ugha gks mudk okf"kZd vUrjky ij
fjO;w fd;k tkrk gSA
2- pkyw [kkrk (Current Account)&
pkyw [kkrk O;fDr] QeZ] V™LV] dEiuh] laLFkk vkfn ds uke ls [kksyk
tk ldrk gSA bl ij xzkgd dks C;kt ugha fn;k tkrk gSA [kkrs ds
ifjpkyu gsrq pSd cqd tkjh dh tkrh gSA blesa fdruh Hkh jkf'k tek@
vkgfjr dh tk ldrh gSA pkyw [kkrk [kksyus gsrq 01-01-2001 ls izHkkoh
U;wure 'ks"k fuEu izdkj gS &
xzkeh.k vºZ'kgjh 'kgjh eSV™ks
O;fDr :- 2]500 5]000 5]000 5]000
QeZ@vU; :- 5]000 10]000 10]000 10]000
lsok izHkkj & 15 twu] 2010 ls izHkkoh
(i) frekgh vkSlr 'ks"kµ [kkrsnkj }kjk [kkrs esa vkSlr frekgh 'ks"k
(QAB) U;wure 'ks"k ls de j[kus ij lsok izHkkj #0 600@& izfr frekgh
olwy fd;k tk,xkA
(ii) [kkrk cUn djukµ 14 fnu ds ckn ysfdu 6 ekg ls igys [kkrk cUn
djus ij oS;fDrd [kkrksa ls #- 250@& ,oa dEifu;ksa ds [kkrksa ls
#- 1000@& rFkk 6 ekg ds i'pkr~ ysfdu 12 ekg ls igys [kkrk cUn
djus ij oS;fDrd [kkrksa ls #- 150@& ,oa dEifu;ksa ds [kkrksa ls
#- 500@& lsok izHkkj olwy fd;k tk;sxkA
[ 46 ]
3- vkorhZ tek [kkrk (Recurring Deposit Account)&
;g [kkrk U;wure 12 ekg ls vf/kdre 120 ekg dh vof/k gsrq
[kksyk tk ldrk gS ftlesa ,d fuf'pr jkf'k ekfld vUrjky ij tek
dh tkrh gSA blesa tek jkf'k dh dksbZ vf/kdre lhek ugha gSA 'kgjh rFkk
egkuxj dh 'kk[kkvksa esa U;wure #- 100@& rFkk vºZ'kgjh vkSj xzkeh.k
{ks= dh 'kk[kkvksa esa U;wure #- 50@& izfrekg ls [kkrk [kksyk tk ldrk
gS rRi'pkr~ #- 10@& ds xq.kdksa esa jkf'k;k° Lohdkj dh tk ldrh gSAa [kkrs
dh ekfld fdLr ekg ds nkSjku vfUre rkjh[k rd fdlh Hkh fnu tek dh
tk ldrh gSA ysfdu ifjiDork (Maturity) ij Hkqxrku vfUre fd'r tek
djus ds ,d ekg i'pkr~ gh fd;k tk,xkA le;iwoZ Hkqxrku ij n.M dk
izko/kku gSA xzkgd dks ikl cqd tkjh dh tk,xh A
ekfld fd'r le; ij tek ugh djus ij xzkgd ls olwy n.M dh
jkf'k dh C;kt [kkrk (Interested A/C) esa tek fd;k tkrk gS A
4- lkof/k (fe;knh)@ fo'ks"k lkof/k (fe;knh) tek [kkrk
(Time/ Special Time Deposit Account)&
bl [kkrs esa de ls de 7 fnu o vf/kdre 120 ekg gsrq jkf'k tek
dh tk ldrh gSA blesa U;wure jkf'k #- 1]000@& o rRi'pkr~ #- 100@&
ds xq.kdksa esa tek dh tkrh gSA C;kt dh x.kuk nSfud 'ks"k ds vk/kkj ij
izfrekg dh tkrh gSA lkof/k tek [kkrs ds C;kt dk Hkqxrku izfrekg@
frekgh@ vºZokf"kZd@ okf"kZd vUrjky ij fd;k tk ldrk gSA lkofËk
tek dh U;wure jkf'k #- 1]000@& ,oa vof/k 12 ekg gksus ij gh ekfld
vUrjky ij cV~Vkœr nj (Discounted rate) ij C;kt dk Hkqxrku fd;k tk
ldrk gSA tcfd fo'ks"k lkof/k tek [kkrs esa frekgh vUrjky ij pÿo`fº
C;kt (C;kt ij C;kt) yxk;k tkrk gS vkSj ifjiDork frfFk ij gh
ewyËku lfgr C;kt dk Hkqxrku fd;k tkrk gSA le; iwoZ Hkqxrku ysus ij
ftrus le; jkf'k cSd a esa tek jgh gS mldh C;kt nj ls 1¯ de ;k
djkj dh xbZ nj ls 1¯ de nksuksa esa ls tks Hkh de gks ml nj ij ns;
C;kt dh x.kuk dh tkrh gS A
[kkrs dk ifjpkyu fdlh Hkh izdkj gks ldrk gS tSls&,dy (Single)]
nksuksa la;qDr (Both Jointly)] nksuksa esa ls dksbZ ,d ;k mŸkjthoh (Either or
Survivor) vkfnA [kkrksa esa ukekadu (Nomination) Hkh fd;k tk ldrk gSA
vko';drk iM+us ij xzkgd dks bu tekvksa dh izfrHkwfr ij ekax Ω.k
(fMek.M yksu) Lohœr fd;k tk ldrk gSA
[ 47 ]
 orZeku esa #- 1 djksM+ ls de jkf'k dh ns'kh; lkof/k tekvksa ij 12
ebZ] 2011 ls izHkkoh C;kt njsa fuEukuqlkj gS%a
vof/k lk/kkj.k ofj"B
ukxfjd ukxfjd
7 ls 14 fnu 6-25¯ 6-25¯
15 ls 45 fnu 6-25¯ 6-25¯
46 ls 90 fnu 6-25¯ 6-25¯
91 ls 180 fnu 7-00¯ 7-00¯
181 fnu ,oa vf/kd 1 o"kZ ls de 7-75¯ 7-75¯
1 o"kZ ls vf/kd 554 fnu rd 8-25¯ 8-75¯
555 fnu 9-25¯ 9-75¯
556 fnu ls 2 o"kZ ls de 8-25¯ 8-75¯
2 o"kZ ls 999 fnu 8-75¯ 9-25¯
1000 fnu 9-25¯ 9-25¯
1001 fnu ls 3 o"kZ ls de 8-75¯ 9-25¯
3 o"kZ ls 5 o"kZ ls de 8-25¯ 8-75¯
5 o"kZ ls 8 o"kZ ls de 8-50¯ 9-00¯
8 o"kZ ls 10 o"kZ rd 8-75¯ 9-25¯

ofj"B ukxfjdksa (vk;q 60 o"kZ o vf/kd) dks ,d o"kZ ,oa vf/kd dh

tekvksa ij 0-50¯ vf/kd C;kt ns; gSA
L=ksr ij vk;dj dh dVkSrh (TDS) & xzkgdksa }kjk cSd
a ksa esa tek djkbZ xbZ
lkof/k (fe;knh) tekvksa (vkorhZ tek ds vykok) ij ,d foŸkh; o"kZ
esa ;fn vftZr C;kt dh jkf'k #- 10]000@& ls vfËkd gksrh gS rks cSd a
}kjk L=ksr ij gh vk;dj (Vh-Mh-,l-) dkV fy;k tkrk gSA

[ 48 ]
5- cgq fodYi tek ;kstuk (Multi Option Deposit Scheme)&
;g xzkgd dks nksgjs ykHk okyh ;kstuk gSA bl ;kstuk esa xzkgd dks
vklkuh ls /ku dh miyC/krk (Liquidity) ds lkFk&lkFk vf/kd C;kt
(High yield) dk ykHk Hkh feyrk gSA
;g ,d lkof/k@ fo'ks"k lkof/k tek ;kstuk gS ftlesa U;wure 12
ekg ,oa vf/kdre 60 ekg dh vof/k gsrq jkf'k tek dh tkrh gSA U;wure
tek jkf'k #- 10]000@& gS o rRi'pkr~ tek jkf'k #- 1]000@& ds
xq.kdksa esa Lohdkj dh tkrh gSA #- 10]000@& dh izFke tek (ekWM) ds
i'pkr~ nwljh ,oa ckn dh vU; tek,a (ekWM~l) U;wure #- 5]000@& ,oa
mlls vfËkd dh #- 1]000@& ds xq.kdksa esa gks ldrh gSA
cgq fodYi tek ;kstuk ds [kkrs dks xzkgd ds cpr cSd a [kkrs vFkok
pkyw [kkrs ls fyad dj (tksM+) fn;k tkrk gS ftlls fd cpr cSd a vFkok
pkyw [kkrs esa tkjh fd;k x;k pSd] [kkrs esa i;kZIr 'ks"k u gksus ds mijkUr
Hkh vuknfjr (dishonour) ugha gksA bl gsrq cpr [kkrs esa ftruh jkf'k
de iM+rh gS mlds cjkcj jkf'k cgq fodYi tek ;kstuk [kkrs ls
#- 1000@& ds xq.kdksa esa Lor% gh VwV dj cpr [kkrs esa tek gks tkrh gS
vkSj pSd dk Hkqxrku dj fn;k tkrk gSA vko';drk iM+us ij xzkgd vius
cpr [kkrs vFkok pkyw [kkrs ds ek/;e ls #- 1]000@& ds xq.kdksa esa jkf'k
fudky Hkh ldrk gSA
bl ;kstuk esa fe;knh@ fo'ks"k fe;knh tek ij ykxw nj ls C;kt fn;k
tkrk gSA xzkgd dks tek jkf'k dh ,d vfHkLohœfr (acknowledgement)
tkjh dh tkrh gSA bl ;kstuk ds vUrxZr tek jkf'k dks pkyw [kkrs ls
lEcº (Link) djus dh n'kk es]a fe;knh tek dh jkf'k ij 75% ls 90%
rd vfËkfod"kZ (overdraft) Lohœr fd;k tk ldrk gSA

6- ofj"B ukxfjdksa gsrq tek ;kstuk (Deposit scheme

for Senior Citizens)µ
;g ;kstuk ofj"B ukxfjdks]a ftudh vk;q 60 o"kZ o vf/kd gS] ds
fy;s cukbZ xbZ gSA bl ;kstuk ds vUrxZr tek jkf'k lkof/k tek@ fo'ks"k
lkof/k tek@ ekWMl@ vkorhZ tek [kkrk vkfn ;kstukvksa esa U;wure 1
o"kZ ls vf/kdre 10 o"kZ dh vof/k gsrq Lohdkj dh tkrh gSA lkof/k
[ 49 ]
tek@ fo'ks"k lkof/k tek ds vUrZxr U;wure tek jkf'k #- 10]000@&
gSA blls vfËkd jkf'k #0 1]000@& ds xq.kdksa esa Lohdkj dh tkrh gSA ;fn
vkorhZ tek [kkrk [kksyk tkrk gS rks mldh ifjiDork (maturity) jkf'k
#- 10]000@& gksuh pkfg,A bl ;kstuk esa ofj"B ukxfjdksa dks lk/kkj.k
C;kt nj ls 0-50¯ vf/kd C;kt fn;k tkrk gSA jkf'k fe;knh@ fo'ks"k
fe;knh tek ds :i esa tek dh tkrh gSA bl ;kstuk esa jkf'k de ls de
1 o"kZ gsrq tek djus ij gh 0-50¯ vf/kd C;kt fn;k tkrk gSA
bl ;kstuk esa ofj"B ukxfjd viuh iRuh@ ifjokj ds vU; lnL; ds
lkFk Hkh jkf'k tek dj ldrk gSA ysfdu izFke uke ofj"B ukxfjd dk
gksus ij gh vfrfjDr C;kt nj dk ykHk fn;k tk,xkA bl ;kstuk ds
vUrxZr [kksys x, [kkrksa esa ukekadu lqfo/kk vfuok;Z gSA ukekadu QkeZ
ij ukfer O;fDr ds gLrk{kj djk;s tkrs gS]a tks [kkrsnkj vFkkZr~ ofj"B
ukxfjd }kjk izekf.kr (attested) fd, x;s gks]a rkfd ofj"B ukxfjd ds
nsgkolku dh fLFkfr esa ukfer O;fDr dks vklkuh ls tek jkf'k dk
Hkqxrku fd;k tk ldsA
7- lsfoaXl Iyl [kkrk (Savings Plus Account)µ
lsfoaXl Iyl [kkrk og ;kstuk gS ftlesa xzkgd dks cpr cSda [kkrk o
fe;knh tek [kkrk (rjyrk vkSj vf/kd C;kt) nksuksa dk ykHk feyrk
gSA blesa xzkgd ds funsZ'kkuqlkj cpr [kkrs esa ,d fuf'pr jkf'k (de ls
de #- 5]000@&) tek j[kus ds ckn 'ks"k jkf'k dks Lor% gh ekWM~l
(fe;knh@ fo'ks"k fe;knh tek ds :i essa) [kkrs esa LFkkukUrfjr dj fn;k
tkrk gSA cpr [kkrs ls de ls de #- 10]000@& o mlls vf/kd jkf'k
#- 1]000@& ds xq.kd esa 12] 24] 36] 48 ;k 60 ekgksa ds fy;s
LFkkukUrfjr dh tkrh gS vkSj MOD cuk nh tkrh gSA
cpr [kkrs ls ekWM~l [kkrs esa izR;sd lkseokj dks lkIrkfgd vUrjky
ij lhMhlh }kjk Lor% vUrj.k (Auto sweep) fd;k tkrk gSA tek jkf'k
ij C;kt Hkqxrku cpr [kkrks@a fe;knh tek [kkrksa ij izpfyr (ykxw)
C;kt njksa ds vuqlkj fd;k tkrk gSA bl ;kstuk dk ykHk ;g gS fd xzkgd
dks fe;knh tek cuokus gsrq ckj&ckj cSd a esa ugha vkuk iM+rkA

[ 50 ]
 pw°fd cpr [kkrs dks MOD [kkrs ls fyad dj (tksM+) fn;k tkrk gSA
vr% tc dHkh vko';drk gks cpr [kkrs esa tkjh fd;k x;k pSd [kkrs esa
csysUl de gksus ds mijkUr Hkh ikfjr dj fn;k tkrk gS D;ksfa d jkf'k dh
deh ds cjkcj jkf'k MOD [kkrs ls #0 1]000@& ds xq.kdksa esa rksM+dj
cpr [kkrs esa Lor% tek gks tkrh gSA cpr [kkrs ls jkf'k dh fudklh]
pSd] ,Vh,e dkMZ ;k bUVjusV cSfa dax }kjk dh tk ldrh gSA

8- fdlku fe= tek ;kstuk (Kisan Mitra Jama Yojana)µ

;g ;kstuk fdlkuksa ls tek jkf'k vkdf"kZr djus gsrq cukbZ xbZ gSA ;g
;kstuk leLr xzkeh.k@ vºZ'kgjh 'kk[kkvks@a œf"k fodkl 'kk[kkvksa (ADB)
,oa œf"k cSfa dax izHkkx (ABD) okyh 'kk[kkvksa esa ykxw gSA bl ;kstuk esa 12
ekg ls 120 ekg rd tek jkf'k Lohdkj dh tkrh gSA jkf'k #- 100@& ds
xq.kdksa esa o de ls de #- 1500@& tek dh tkrh gS vkSj Hkqxrku
#- 100@& ds xq.kdksa esa de ls de #- 500@& fd;k tkrk gSA bl ;kstuk
esa jlhn tkjh ugha dh tkrh gS cfYd ikl cqd tkjh dh tkrh gSA bl ;kstuk
esa tek jkf'k ij C;kt fe;knh tekvksa ij izpfyr (ykxw) C;kt nj ls
fn;k tkrk gSA blesa tek jkf'k dh izfrHkwfr ij Ω.k lqfo/kk Hkh miyC/k
gSA
9- uks f›Yl [kkrs (No Frills Accounts)&
oS;fDrd [k.M esa vke O;fDr ds fy, de ykxr ij [kkrk [kksyus
,oe~ pkyw j[kus gsrq ^^uks f›y** (No Frills) [kkrk uked u;k mRikn o"kZ
2006 ls izkjEHk fd;k x;k gSA ftu O;fDr;ksa dh vk;q 18 o"kZ ;k vf/kd
gks ,oe~ Lo?kksf"kr (Self declared) ldy ekfld vk; #- 5]000@& ls
vfËkd u gks og bl ;kstuk esa [kkrk [kksy ldrs gSAa vc :- 5000@& rd
iS'a ku ikus okys iS'a kuj Hkh ;g [kkrk [kksy ldrs gSAa [kkrk [kqyokus gsrq
izkjEHk esa U;wure #- 50@& tek djkuk vko';d gS vkSj Hkfo"; esa [kkrs
esa U;wure~ cSysUl ^^fujad** Hkh gks ldrk gSA bl [kkrs esa C;kt cpr [kkrksa
ij izpfyr (ykxw) nj ls fn;k tkrk gSA lEiw.kZ tek jkf'k #- 50]000@&
vFkok tek izfof"V;ksa dk ;ksx #- 1 yk[k rd gksus ij gh xzkgd dks bl
;kstuk dk ykHk fn;k tk ldrk gS vU;Fkk ughaA blls vf/kd gksus ij bu
[kkrksa ij lkekU; cpr cSd a sA bl [kkrs esa pSd
a [kkrksa ds fu;e ykxw gksx
cqd tkjh ugha dh tkrh gSA blesa ATM-cum-debit-card fu%'kqYd tkjh
[ 51 ]
fd;k tk ldrk gSA ikl cqd 11 ls 20 rkjh[k ds e/; iw.kZ dh tkrh gSA
bu [kkrksa esa ukWu&gkse lhch,l 'kk[kk esa ysunsuksa dh vuqefr ugha gSA
vU; lHkh fu;e lkekU; cpr cSd a [kkrksa dh rjg ykxw gksx
a sA

10- ^^,l-ch-vkbZ- fo'ks"k** (SBI Vishesh)&

oS;fDrd [k.M ds dqN egRoiw.kZ xzkgdksa dks dqN fo'ks"k lqfo/kk,a nsus
gsrq 01 vxLr] 2005 ls ;g ;kstuk 'kq: dh xbZA bl ;kstuk esa fuEu
izdkj ds [kkrk/kkjdksa dks fo'ks"k xzkgd ekuk x;k gSA
1- tek jkf'k & #- 5 yk[k ;k vf/kd] vFkok
2- x`g Ω.k & #- 10 yk[k ;k vf/kd ,oa tek jkf'k & #- 2 yk[k
;k vfËkd
3- dkj Ω.k & #- 5 yk[k ;k vf/kd ,oa tek jkf'k & #- 2 yk[k ;k
vfËkd
,sls xzkgdksa dks dqN fo'ks"k lqfo/kk,a nh tkrh gSa tSls ekg esa rhu ckj
#- 25]000@& rd dk fu%'kqYd izs"k.k (M™k∂V] cSd a lZ pSd vkfn)] #-
25]000@& rd ds pSd dh fu%'kqYd mxkgh] #- 50]000@& rd ds
ckgjh pSd dh jkf'k dks rqjUr (immediate) [kkrs esa tek djuk] vf/kd
jkf'k vkgj.k dh lhek okys ,-Vh-,e- dkMZ tkjh djuk] izkFkfedrk ds
vk/kkj ij ykdj vkoaVu djuk vkfnA
11- ,lchvkbZ VSDl lsfoaXl Ldhe 2006
(SBI Tax Savings Scheme 2006)&
;g ;kstuk vk;djnkrkvksa }kjk cSd a ksa esa tek djkbZ xbZ jkf'k ij
vk;dj vf/kfu;e dh /kkjk 80C ds vUrxZr vk;dj esa NwV izkIr djus ds
mn~ns'; ls cukbZ xbZ gSA bl ;kstuk esa dksbZ Hkh O;fDr U;wure 5 o"kZ o
vfËkdre 10 o"kZ gsrq #- 1]000@& ds xq.kd esa U;wure #- 1]000@&
o vf/kdre #- 1]00]000@& izfr o"kZ rd tek djk ldrk gSA tek dh
xbZ lEiw.kZ jkf'k ij vk;dj esa NwV feysxhA bl ;kstuk esa tek jkf'k ij
lkËkkj.k turk] ofj"B ukxfjdksa ,oa Hkkjrh; LVsV cSd a ds deZpkfj;ksa o
iS'a kujkas dks vyx&vyx r; njksa ls C;kt fn;k tkrk gSA bl ;kstuk esa
tek dh xbZ jkf'k fe;knh@ fo'ks"k fe;knh tek [kkrk esa tek dh
tk,xhA ikap o"kZ ls igys jkf'k dk Hkqxrku ugha fd;k tk;sxkA 5 o"kZ ckn
[ 52 ]
lkËkkj.k fe;knh tek dh rjg vof/k iwoZ Hkqxrku izkIr fd;k tk ldrk
gSA bl ;kstuk esa jkf'k la;qDr uke ls Hkh tek djkbZ tk ldrh gSA ysfdu
vk;dj esa NwV izFke uke okys O;fDr dks gh feysxhA bl ;kstuk esa tek
jkf'k dh izfrHkwfr (Security) ij dksbZ Ω.k ug∞ fn;k tk ldrk gSA

12- izhfe;e cpr [kkrk (Premium Savings Account)&

;g tek ;kstuk mPp vk; oxZ (Affluent Category) ds fy, izkjEHk
dh xbZ gSA blesa cpr [kkrs esa U;wure 'ks"k #- 25]000@& j[kuk gksrk gSA
=Sekfld vkSlr 'ks"k (QAB) U;wure 'ks"k ls de gksus ij izR;sd frekgh
esa #- 500@& dk n.M dk izko/kku gSA bl [kkrs esa jkf'k fu/kkZfjr U;wure
'ks"k ls vf/kd gksus ij ekg esa ,d ckj Lor% #- 1]000@& ds xq.kdksa esa
(U;wure #- 10]000@&) MOD cuk nh tk;sxhA blds vUrxZr [kkrk/
kkjh dks dqN vU; fj;k;rsa Hkh iznku dh xbZ gSa & tSls [kkrs esa vlhfer
ukes izfof"V;k°] ,d foŸkh; o"kZ esa fu%'kqYd 100 pSd i.kZ (Cheque
leaves)] fu%'kqYd xksYM dkMZ (ohtk@ ekLVj)] vkjVhth,l@ ,ubZ,QVh
ysunsu] cSd a lZ pSd] M™k∂V tkjh djus ,oa pSd laxzg.k esa 50¯ dh
fj;k;r vkfnA ;fn [kkrk 12 ekg ls iwoZ cUn dj fn;k tk, rks #-
500@& n.M yxsxkA
oLrqfu"B iz'u
1- lkekU; vºZ'kgjh 'kk[kk esa pSd cqd lqfo/kk okyk cpr cSd
a [kkrk
[kksyus gsrq U;wure 'ks"k fdruk gS \
(v) #- 250@& (c) #- 500@&
(l) #- 1000@& (n) #- 2500@&
2- ,d vo;Ld (minor) ftlus-------- o"kZ dh vk;q izkIr dj yh gS rFkk
^^,d leku gLrk{kj** dj ldrk gS] dk gekjs cSd a esa cpr cSda
[kkrk [kksyk tk ldrk gSA
(v) 10 o"kZ (c) 15 o"kZ
(l) 18 o"kZ (n) 21 o"kZ
3- ,d vo;Ld vdsys vius Lo;a ds uke ls [kksys x;s cpr cSd
a [kkrk@
lkofËk tek [kkrk esa vf/kdre fdruh jkf'k tek dj ldrk gS \
(v) #- 25]000@& (c) #- 50]000@&
(l) #- 2]00]000@& (n) dksbZ lhek ugha
[ 53 ]
4- cpr [kkrk [kksyus gsrq vkosnd ls fdrus QksVks fy, tkrs gSa \
(v) ,d QksVks (c) nks QksVks
(l) rhu QksVks (n) vko';drk ugha
5- cpr cSd a [kkrs ls pSd@ vkgj.k i= (withdrawal form) }kjk
U;wure o vf/kdre fdruh jkf'k vkgfjr (Withdraw) dh tk
ldrh gS \
(v) #- 50@& ,oe~ vlhfer (c) #- 5@& ,oe~ vlhfer
(l) #- 50@& ,oe~ #- 5000@& (n) dksbZ lhek ugha
6- Hkkjrh; fjtoZ cSad ds funsZ'kuqlkj 03 ebZ] 2011 ls lkekU;
xzkgdkas ds cpr cSd a [kkrkas ij C;kt dh nj D;k gS \
(v) 3-00% (c) 3-5%
(l) 4-00% (n) 4-5%
7- cpr cSd a [kkrk ls vkgj.k i= (withdrawal form) }kjk jkf'k
fudkyus ij D;k xzkgd dks ikl cqd lkFk ykuk vko';d gS \
(v) gk° (c) ugha
8- gekjs cSd a ds LVkQ dks cpr cSd a [kkrksa ij C;kt fdl nj ls fn;k
tkrk gS \
(v) 4-50% (c) 3-50%
(l) 4-00% (n) 5-00%
9- cpr cSd a [kkrksa dh C;kt nj fdlds }kjk fu/kkZfjr dh tkrh gS\
(v) Hkkjr ljdkj (c) foŸk ea=ky;
(l) Hkkjrh; fjtoZ cSd a (n) cSd a }kjk Lo;a
10- 01 tqykbZ] 2009 ls cpr cSd a [kkrk ds fu;e la[;k 35 esa fd, x,
ifjorZu ds vuqlkj vc cpr cSd a [kkrksa esa fdruh ukes izfof"V;k°
(Debit entries) vuqer gSa ftu ij dksbZ lsok 'kqYd olwy ugha fd;k
tkrk gS\
(v) izR;sd frekgh esa 30 (c) izR;sd vºZo"kZ esa 30
(l) izR;sd vºZo"kZ esa 40 (n) izR;sd vºZo"kZ esa 50
11- cpr cSd a [kkrk fu;e la[;k 35 esa 01 tqykbZ] 2009 ls fd, x,
cnyko ds vuqlkj fuEu esa ls fdl izdkj dh izfof"V;ksa (Debit
entries) dks lsok 'kqYd x.kuk gsrq izfof"V;ksa dh la[;k (izR;sd
vºZo"kZ esa 30 izfof"V;k°) esa 'kkfey fd;k tkrk gS\

[ 54 ]
 (v) LVsV cSd
a lewg ds ,Vh,eksa ls fd, x, ysunsu
(c) vU; cSd a ksa ds ,Vh,eksa ls fd, x, ysunsu
(l) bUVjusV cSfa dax }kjk fd, x, ysunsu
(n) lsok 'kqYd izfof"V;k°
12- ,d laj{kd (Guardian) vo;Ld (Minor) ds cpr [kkrs esa vfËkdre
fdruh jkf'k tek dj ldrk gS\
(v) #- 20]000@& (c) #- 2 yk[k
(l) #- 20 yk[k (n) dksbZ lhek ugha
13- pkyw [kkrk (Current Account) esa xzkgd dks ikl&cqd nh tkrh gS
vFkok LVsVesUV vkWQ ,dkmUV\
(v) ikl cqd (c) LVsVesUV vkWQ ,dkmUV
(l) xzkgd nksuksa esa fdlh dks Hkh pqu ldrk gSA
(n) mijksDr esa ls dksbZ ugha
14- vkorhZ tek [kkrk (Recurring Deposit Account) [kksyus gsrq U;wure
ekfld fd'r fdruh gS\
(v) #- 10@& (c) #- 50@&
(l) #- 100@& (n) #- 200@&
15- lkof/k (fe;knh)@ fo'ks"k lkof/k@ vkorhZ tek [kkrk vf/kdre
fdrus le; ds fy;s [kksyk tk ldrk gS\
(v) 36 ekg (c) 48 ekg
(l) 60 ekg (n) 120 ekg
16- fe;knh tek jlhn U;wure fdruh jkf'k dh tkjh dh tkrh gS\
(v) #- 1]000@& (c) #- 5]000@&
(l) #- 10]000 (n) dksbZ lhek ugha
17- fe;knh tekvksa ij ,d ys[kk o"kZ esa fdruh jkf'k ls vf/kd vftZr
C;kt ij L=ksr ij vk;dj dVkSrh (VhMh,l) gksrh gS\
(v) #- 5]000@& ls vf/kd (c) #- 10]000@& ls vf/kd
(l) #- 25]000@& ls vf/kd (n) vk;dj ugha dkVrs gSa
18- lkekU;r;k lkof/k tekvksa ij C;kt dk Hkqxrku fdl vUrjky
ij fd;k tkrk gS\
(v) ekfld (c) frekgh
(l) vºZ okf"kZd (n) okf"kZd
[ 55 ]
19- cgqfodYi tek ;kstuk (MODS) ds vUrxZr igyh ekWM~l U;wure
(minimum) fdruh jkf'k dh gksuh pkfg,\
(v) #- 1]000@& (c) #- 5]000@&
(l) #- 10]000@& (n) #- 15]000@&
20- #- 10]000@& dh igyh ekWM~l ds i'pkr~ nwljh ekWM~l (MODS)
cuokus gsrq U;wure jkf'k #- 5]000@& gSA #- 5]000@& ls vf/kd
jkf'k fdrus ds xq.kd esa Lohdkj dh tkrh gS\
(v) #- 100@& (c) #- 250@&
(l) #- 500@& (n) #- 1]000@&
21- cpr cSd a [kkrs esa i;kZIr 'ks"k ugha gks vkSj Hkqxrku gsrq pSd izLrqr gks
tk, rks ekWMl~ ls #- 1]000@& ds xq.kd esa jkf'k VwVdj pSd ds
Hkqxrku gsrq cpr [kkrs esa miyC/k gks tkrh gSA bl izdkj ekWMl ~
rksMd
+ j fd;s x, Hkqxrku ij fdruk lsok 'kqYd@ n.M olwy fd;k
tkrk gS\
(v) #- 2@& izfr pSd (c) #- 5@& izfr pSd
(l) pSd dh jkf'k dk 0-5¯ U;wure #- 10@&
(n) fu%'kqYd
22- cgqfodYi tek ;kstuk (Multi Option Deposit Scheme) ds vUrxZr
tek jlhn tkjh dh tkrh gS ;k ikl&cqd \
(v) tek&jlhn
(c) ikl&cqd
(l) dsoy cgqfodYi tek dh vfHkLohœfr (Acknowledgement) nh
tkrh gSA
23- cgqfodYi tek ;kstuk (MODS) ds varxZr Lohdkj dh tkus okyh
jkf'k fdl en esa tek dh tkrh gS\
(v) cpr [kkrk (c) pkyw [kkrk
(l) fe;knh tek [kkrk (n) fo'ks"k fe;knh tek [kkrk
(;) l ;k n esa ls dksbZ ,d
24- ^^lsfoaXl Iyl [kkrk** esa U;wure fdruk 'ks"k (csysUl) jguk pkfg,\
(v) #- 2]500@& (c) #- 5]000@&
(l) #- 10]000@& (n) dksbZ lhek ugha

[ 56 ]
25- ofj"B ukxfjd tek ;kstuk ds vUrxZr 0-50¯ vf/kd C;kt nsus
gsrq U;wure fdruh jkf'k dh fe;knh tek cuokuk vko';d gS\
(v) #- 5]000@& (c) #- 10]000@&
(l) #- 25]000@& (n) ,slh dksbZ lhek ugha
26- ofj"B ukxfjd tek ;kstuk ds vUrxZr 0-5-¯ vf/kd C;kt nsus
gsrq U;wure fdrus le; dh fe;knh tek cukbZ tkrh gS\
(v) 1 o"kZ (c) 3 o"kZ
(l) 5 o"kZ (n) 7 o"kZ
27- SBI Tax Savings Scheme-2006 esa [kkrsnkj ,d foŸkh; o"kZ esa
vfËkdre fdruh jkf'k tek dj ldrk gSA
(v) #- 50]000@& (c) #- 1]00]000@&
(l) #- 5]00]000@& (n) dksbZ lhek ugha
28- izhfe;e cpr cSd a [kkrs esa U;wure fdruk 'ks"k j[kuk vko';d gS\
(v) #- 5]000@& (c) #- 10]000@&
(l) #- 25]000@& (n) #- 50]000@&
29- ^^uks f›y [kkrkk** os gh O;fDr [kksy ldrs gSa ftudh ekfld vk;
#------------------------------ ls vf/kd ugha gSA
(v) #- 5]000@& (c) #- 10]000@&
(l) #- 2]500@& (n) #- 1800@&
30- ih-ih-,Q- [kkrk fdrus le;ds fy, [kksyk tk ldrk gS\
(v) 5 o"kZ (c) 15 o"kZ
(l) 10 o"kZ (n) 25 o"kZ
31- ,d foŸkh; o"kZ esa [kkrk/kkjd }kjk ih-ih-,Q- [kkrs esa vf/kdre
fdruh jkf'k tek djkbZ tk ldrh gS\
(v) #- 50]000@& (c) #- 70]000@&
(l) #- 1]00]000@& (n) #- 10]00]000@&
32- ih-ih-,Q- [kkrs esa tek jkf'k ij fdl nj ls C;kt fn;k tkrk gS\
(v) 8-0 % (c) 8-5 %
(l) 9-0 % (n) 9-5 %
33- ,d u;k ykWdj vkoaVu djus gsrq U;wure fdruh jkf'k dh fe;knh
tek ysrs gS\a
(v) #- 5]000@&
(c) #- 10]000@&
[ 57 ]
 (l) 25]000
(n) ykWdj ds rhu o"kZ ds fdjk;s]a ykWdj dks rksM+ dj rkyk cnyus ds
[kpZ ,oa bl gsrq ,oa gekjs lsok 'kqYd (orZeku esa :- 500@&)
ds cjkcjA
34- D;k ykWdj la;qDr uke ls [kksyk tk ldrk gS\
(v) gk° (c) ug∞
35- D;k lsQ fMikWftV ykWdj esa ukekadu lqfo/kk miyC/k gS\
(v) gk° (c) ugha
36- D;k xzkgd ykWdj ij viuk futh rkyk yxk ldrs gS\a
(v) gk° (c) ugha
37- ykWdj /kkjdksa ls okf"kZd ykWdj fdjk;k fdl frfFk dks olwy fd;k
tkrk gS\
(v) 31 ekpZ (c) 01 vizy S
(l) 02 vizy S (n) 01 tuojh
38- ykWdj /kkjd dks ,d o"kZ esa vf/kdre 12 ckj mlds ykWdj dks
[kksyus dh vuqefr nh tk ldrh gSA mlds ckn izR;sd ckj ykWdj
[kksyus gsrq fdruk lsok izHkkj (Service Charge) olwy fd;k tk,xk\
(v) #- 25@& (c) #- 50@&
(l) #- 75@& (n) #- 100@&
39- ykWdj dk rkyk rqM+okus dk [kpkZ fdlls olwy fd;k tkrk gS\
(v) xzkgd ls (c) xzkgd o cSd a }kjk vk/kk&2
(l) cSd a ogu djrk gS (n) ykWdj dEiuh ogu djrh gS
40- ,d ,dy f[kM+dh ifjpkyd (Single Window Operator) fdruh
jkf'k rd dk udn Hkqxrku dj ldrk gS\
(v) #- 15]000@& (c) #- 25]000@&
(l) #- 50]000@& (n) #- 1]00]000@&
41- ,d fo'ks"k lgk;d (Special Assistant) fdruh jkf'k rd ds varj.k
(Transfer) okmpj ikl dj ldrk gS\
(v) #- 1 yk[k (c) #- 2 yk[k
(l) #- 4 yk[k (n) #- 5 yk[k

[ 58 ]
42- xksbiksfj;k lfefr dh flQkfj'ks-a ----------- ds lEcU/k esa gSA
(v) foŸkh; vuq'kklu (c) izkFkfed {ks=ksa dks vfxze
(l) foŸkh; iz.kkyh (n) cSd a ksa esa xzkgd lsok
43- ,d f'kdk;r dk fuiVku vf/kdre fdrus fnu esa gks tkuk pkfg,\
(v) 7 fnu esa (c) 14 fnu esa
(l) 1 ekg esa (n) 2 ekg esa
44- is'a kuHkksfx;ksa ls ^^ykbQ lfVZfQdsV** fdl ekg esa fy;k tkrk gS\
(v) tuojh esa (c) vizy S esa
(l) uoEcj esa (n) dHkh Hkh ys ldrs gSa
45- fdruh jkf'k rd dh izkfIr;ksa (Receipts) ij jlhnh fVdV (Revenue
Stamp) yxkus dh vko';drk ugha gS\
(v) #- 500@& rd (c) #- 1]000@& rd
(l) #- 2]500@& rd (n) #- 5]000@& rd
46- [kkrk [kksyrs le; [kkrk [kksyus ds QkeZ ij [kkrk/kkjd ds uewuk
gLrk{kj dkSu izekf.kr djrk gS\
(v) lgk;d (c) vf/kdkjh
47- euhckWDl vkSj dud/kkjk ;kstuk,° fdl frfFk ls cUn dj nh xbZ gS\a
(v) 01 tuojh 2009 (c) 01 ekpZ 2009
(l) 01 vizy S 2009 (n) 01 ebZ 2009

mŸkjekyk
1- l 2- v 3- l 4- c 5- v 6- l 7- v
8- n 9- l 10- c 11- c 12- l 13- l 14- l
15- n 16- v 17- c 18- c 19- l 20- n 21- n
22- l 23- ; 24- c 25- c 26- v 27- c 28- l
29- v 30- c 31- c 32- c 33- n 34- v 35- v
36- v 37- l 38- c 39- v 40- l 41- l 42- n
43- v 44- l 45- n 46- c 47- l

[ 59 ]
 8. oS;fDrd [k.M % Ω.k ;kstuk,a
oS;fDrd [k.M esa xzkgdksa dks edku cukus] Hkw[k.M [kjhnus] edku dh
ejEer djkus] dkj [kjhnus] nqifg;k okgu [kjhnus] mPp f'k{kk gsrq Ω.k]
iS'a ku Ω.k] ilZuy yksu] eksVZxst yksu] fjolZ eksVZxst yksu vkfn izdkj ds
Ω.k Lohœr fd;s tkrs gSAa izLrkfor Ω.kh dk gekjh 'kk[kk essa [kkrk gksuk
pkfg, o fu;fer vk; dk iDdk izek.k gksuk pkfg,A
1- LVsV cSd
a vkokl Ω.k ;kstuk
(State Bank Housing Loan Scheme)&
;kstuk & bl ;kstuk esa xzkgd dks edku cukus] edku@ ∂ysV [kjhnus]
edku dh ejEer djkus o tehu [kjhnus tSls iz;kstuksa gsrq Ω.k Lohœr
fd;k tkrk gSA
vk;q & Ω.k ysus gsrq ik= Ω.kh dh vk;q 18 o"kZ ls 70 o"kZ rd gksuh
pkfg, ,oa fu;fer vk; (regular income) dk L=ksr gksuk pkfg,A
Ω.k jkf'k & Ω.k jkf'k dh x.kuk ekfld fd'r (EMI) o fuoy ekfld
vk; (NMI) ds vuqikr ds vuqlkj fuEuor~ dh tkrh gS %
bZ,evkbZ@ ,u,evkbZ dk vuqikrµ
:- 2 yk[k rd µ 40¯
:- 2 yk[k ls 5 yk[k rd µ 50¯
:- 5 yk[k ls vf/kd µ 55¯
Ω.k dh ik=rk c<+kus gsrq ifr&iRuh] iq=&iq=h dh vk; Hkh tksM+h tk
ldrh gSA vf/kdre 2 vkokl Ω.k fn;s tk ldrs gSAa
x`g lTtk gsrq o vU; miHkksDrk oLrq,a (vkbVe) [kjhnus gsrq ifj;kstuk ykxr
dk 10¯ vf/kdre #- 3 yk[k] tks Hkh de gks] Ω.k esa tksMk+ tk ldrk gSA
ekftZu & #- 75 yk[k rd µ 20¯ ,oa #- 75 yk[k ls vf/kd 25¯
iquHkqZxrku &
vk;q oxZ iquHkZqxrku vof/k (vf/kdre)
35 o"kZ rd 25 o"kZ
35 o"kZ ls vf/kd 45 o"kZ rd 20 o"kZ
45 o"kZ ls vf/kd 15 o"kZ
[ 60 ]
Ω.k LFkxu (Moratorium) vof/k & edku rS;kj gksus ds 1 ekg i'pkr~
vFkok izFke fdLr forj.k gksus ls 18 ekg ckn] tks Hkh igys gksA
lsok 'kqYd & Ω.k jkf'k dk 0-50% vf/kdre #- 10]000@&
2- dkj Ω.k ;kstuk (Car Loan Scheme)&
;kstuk & ubZ dkj@ thi [kjhnus gsrq] iqjkuh dkj@ thi [kjhnus gsrq]
iqjkuh dkj@ thi (nks o"kZ ls vf/kd iqjkuh ug∞ gks)a dh ykxr dh izfriwfrZ
djus gsrq Ω.k Lohœr fd;k tk ldrk gSA
vk;q & vk;q 21 o"kZ ls 65 o"kZ rd gksuh pkfg,A iquHkqZxrku 70 o"kZ dh
vk;q rd gks tkuk pkfg,A
vk; & ekfld vk; dk lUrks"kizn izek.k gksuk pkfg,A ik= Ω.kh dh
okf"kZd vk; (NAI) #- 1-00 yk[k ;k vf/kd gksuh pkfg,A fuoy ekfld
vk; ekfld fd'r (EMI) dh nqxquh gksuh pkfg,A
Ω.k jkf'k & Ω.k ekfld vk; dk 30 xquk ;k okf"kZd vk; dk vf/kdre
<kbZ xquk rd Lohœr fd;k tk ldrk gSA ubZ dkj@ thi [kjhnus gsrq
vfËkdre Ω.k jkf'k dh dksbZ lhek ugha] ysfdu iqjkuh dkj@ thi gsrq
vfËkdre Ω.k #- 15 yk[k rdA dkj@ thi ikap lky ls T;knk iqjkuh
ugha gksuh pkfg,A
ekftZu & 15% (pSd vkQ lqfo/kk gks rks 10%)
iquHkqZxrku & ekfld@ =Sekfld fdLrksa esa Ω.k
forj.k ds vkxkeh ekg ls izkjaHk A
ubZ dkj@thi
osru Hkksxh & 84 ekg
Lofu;ksftr ,oa izksQs'kuy & 60 ekg
iqjkuh dkj@thi & 5 ls 7 o"kZ
izkslsflax 'kqYd & Ω.k jkf'k dk 0-50%]
U;wure #- 500@& vf/kdre #- 10]000@&
chek & okgu dh dher dk 110% daizhgsfUlo chek djkuk vko';d gSA
chek ikfylh o iath;u iqfLrdk esa cSd
a dk uke fy[kk gksuk vko';d gSA

[ 61 ]
3- Ldwe & ,l-ch-vkbZ- nqifg;k okgu Ω.k ;kstuk
(Scoom– SBI Two Wheeler Loan Scheme)&
;kstuk & izfrf"Br fuekZrkvksa ds u;s nqifg;k okgu (LdwVj@ eksVj lkbfdy@
eksisM) [kjhnus gsrq Ω.k Lohœr fd;k tkrk gSA
vk;q & 21 ls 60 o"kZ
vk; & fuoy ekfld vk; #- 6]250@& ;k fuoy okf"kZ d vk;
#- 75]000@&_ cSVjh pkfyr nqifg;k okgu ds fy, fuoy ekfld vk; #-
5]000@& ;k fuoy okf"kZd vk; #- 60]000@&
Ω.k jkf'k &
osruHkksfx;ksa gsrq & fuoy ekfld vk; dk vf/kdre 6 xquk
o vU; gsrq fuoy okf"kZd vk; dk vkËkkA
v/;kidksa gsrq & fuoy ekfld vk; dk vf/kdre 10 xquk
Ω.k dk izdkj & fe;knh Ω.k
ekftZu & 15%; u, okguksa gsrqµ10% (;fn pSd vkWQ lqfo/kk gks)
iquHkqZxrku& vf/kdre 36 ekfld fdLrksa esa (Vhpj Iyl ds varxZr 60
fd'rksa es)a Ω.k forj.k ds ,d ekg i'pkr lsA
izkslsflax 'kqYd & Ω.k jkf'k dk 1-20%,
& U;wure #- 250@& vf/kdre #- 500@&
chek& okgu dk chek djkuk vko';d gSA chek ikfylh o iath;u
iqfLrdk esa cSd
a dk uke fy[kk gksuk vko';d gSA
Mhyj dks deh'ku & 2-5% vf/kdre #- 2]500@& lsok dj lfgr
cSd
a us jk"V™h; Lrj ij ctkt vkWVks fy- ls VkbZvi fd;k gSA

4- ,l-ch-vkbZ- ljy (SBI Saral)&

;g ,d oS;fDrd Ω.k (Personal Loan) ;kstuk gS ftlds vUrxZr Ω.kh Ω.k
jkf'k dks pkgs ftl iz;kstu gsrq iz;ksx esa ys ldrk gSA bl ;kstuk ds varxZr
Ω.k Lohœr djus ls iwoZ ;g lqfuf'pr fd;k tk;sxk fd Ω.kh dh Ω.k okfil
pqdkus dh {kerk (Repaying Capacity) gS vFkok ughaA

[ 62 ]
vk; & izLrkfor Ω.kh dh U;wure fuoy ekfld vk; (NMI) #- 5]000@&
;k fuoy okf"kZd vk; (NAI) #- 60]000@& gksuh pkfg,A
Ω.k jkf'k & esV™ks@ 'kgjh {ks=ksa esa U;wure Ω.k #- 24]000@& o xzkeh.k
{ks=ksa esa #- 10]000@&] vf/kdre 12 ekg dh fuoy ekfld vk; ds
cjkcj ;k #- 10 yk[k (;fn ÿsfMV Ldksj 50 ;k vf/kd gks) tks Hkh de gksA
iquHkqZxrku & Ω.kh dh LosPNkuqlkj 6 ls 48 ekg es]a ekfld fdLrksa esAa
izkslsflax 'kqYd & Ω.k jkf'k dk 2% & ;fn ÿsfMV Ldksj 60 ls vf/kd gks]
3% & ;fn ÿsfMV Ldksj 50&60 gksA
vof/k iwoZ Hkqxrku & Ω.k jkf'k dk 1%] ;fn Hkqxrku 6 ekg ls iwoZ fd;k
tk,A
forj.k & udn ugha] cSd
a lZ pSd vFkok [kkrs esa jkf'k tek dj A
orZeku esa ;g ;kstuk osruHkksxh deZpkjh ,oa Lofu;ksftr (Self
employed) O;f‰;ks]a tks U;wure 2 o"kZ ls dk;Zjr gkas] rd lhfer dj nh
xbZ gSA

5- isU'kulZ gsrq Hkkjrh; LVsV cSd

a dh Ω.k ;kstuk
(SBI Loan to Pensioners Scheme)&
ik=rk & leLr jkT;@ dsUÊ ljdkj ,oa gekjh cSd a (SBI) ds iS'a kuj]
ikfjokfjd iS'a kuj ftudk iS'a ku [kkrk gekjh cSd a 'kk[kk esa gS] bl Ω.k
gsrq ik= gSAa blds vykok os iS'a kuj ftudks V™stjh }kjk iS'a ku nh tkrh gS os
Hkh bl Ω.k gsrq ik= gS c'krsZ dh V™stjh bl lEcU/k esa ;g v.MjVsfdax ns fd
V™stjh }kjk tkjh pSdkas dk Hkqxrku iS'a kuj gekjs ek/;e ls ysxk vkSj gekjs
vukifŸk izek.k&i= ds fcuk iS'a ku fdlh vU; cSd a dks LFkkukUrfjr ug∞
dh tk,xhA
vk;q & Ω.k Lohœr djus gsrq iS'a kuj dh vf/kdre vk;q & 72 o"kZ A
ikfjokfjd iS'a kuj (Family Pensioner) – 65 o"kZ A
Ω.k jkf'k & 12 ekg dh iS'a ku ds cjkcj] vf/kdre #- 1 yk[kA
ikfjokfjd iS'a kuj & 9 ekg dh iS'a ku] vf/kdre #- 50]000@&
ekftZu & 'kwU;
Ω.k dk izdkj & Ω.k ekax Ω.k ds :i esa Lohœr fd;k tk;sxk o Ω.k
jkf'k lh/kh iS'a kuj ds [kkrs esa tek dh tk,xhA
[ 63 ]
iquHkqZxrku & 70 o"kZ rd dh vk;q & 60 ekg esa o
70 o"kZ ls vf/kd o 72 o"kZ rd dh vk;q & 48 ekg esAa
izfrHkwfr & izkFkfed & dqN ughaA
laikf'oZd & #- 25]000@& rd ds Ω.k ij dksbZ tekur ughaA
#- 25]000@& ls vf/kd Ω.k ij ifr@ ifRu
vFkok ifjokj ds fdlh lnL;] tks ikfjokfjd
iS'a ku gsrq ik= gks@a r`rh; i{k dh xkjaVhA
izkslsflax 'kqYd µ fu%'kqYd
6- ,l-ch-vkbZ- LVwMsUV yksu (SBI Student Loan)&
;g Ω.k Hkkjr vFkok fons'k esa mPp f'k{kk izkIr djus gsrq t:jreUn Hkkjrh;
ukxfjd fo|kfFkZ;ksa dks Lohœr fd;k tkrk gSA bl ;kstuk esa Ω.k ^^fo|kFkhZ o
mlds firk@ laj{kd** ds la;Dq r uke ls Lohœr fd;k tkrk gSA
bl ;kstuk ds varxZr Lohœr Ω.k izkFkfedrk izkIr {ks= (Priority
Sector Advances) ds vUrZxr vkrs gSAa
Ω.k jkf'k &
Hkkjr esa f'k{kk gsrq & vf/kdre :- 10 yk[k
fons'k esa f'k{kk gsrq & vf/kdre :- 20 yk[k
okgu gsrq :- 50]000@& rd dk Ω.k mDr lhek esa fn;k tk ldrk gSA
ekftZu & #- 4 yk[k rd fujad
#- 4 yk[k ls vf/kd ij Hkkjr esa f'k{kk gsrq & 5%
fons'k esa f'k{kk gsrq & 15%
izfrHkwfr&
& :- 4 yk[k rd & dqN ug∞] ekrk&firk lg Ω.kh A
& :- 4 yk[k ls :- 7-50 yk[k rd & ekrk&firk lg Ω.kh ,oa
100% Ω.k jkf'k rd r`rh; i{k dh tekur
& :- 7-50 yk[k ls vf/kd & ekrk&firk lg Ω.kh] lkFk gh iwjh
jkf'k dh ewrZ laikf'oZd izfrHkwfr (Tangible Collateral Security)
,oa ekrk&firk dh Hkfo"; dh vk; dk lEikf'oZd izfrHkwfr ds
:i esa vfHkgLrkadu (Assignment)

[ 64 ]
 forj.k& Ω.k dk forj.k izfro"kZ vko';drkuqlkj fd;k tk;sxk]
fofHkUu Qhlksa dk forj.k lh/kk Ldwy@ dkWyst dks fd;k tk;sxk A
iquHkqZxrku& Ω.k dh vnk;xh i<+kbZ iw.kZ gksus ds 12 ekg i'pkr~ vFkok
jkstxkj izkIr gksus ds 6 ekg i'pkr~ vf/kdre 5 ls 7 o"kks± easA
C;kt nj & dkslZ vof/k esa lk/kkj.k nj ls C;kt olwy fd;k tk;sxkA bl
vof/k esa C;kt dk Hkqxrku dj nsus ij Ω.k dh iwjh vof/k ds fy, C;kt
esa 1% dh NwV iznku dh tk;sxhA
izkslsflax Qhl & #- 4 yk[k rd & fujad
#- 4 yk[k ls vf/kd & 1-10%
chek& Nk= dk ,lchvkbZ ykbQ ls chek djk;k tk;sxk] ches dh izhfe;e
jkf'k gsrq cSd
a }kjk Ω.k fn;k tk ldrk gSA

7- vpy lEifŸk ds lkef;d cU/kd ds lkis{k O;fDrxr Ω.k&

;g vpy lEifŸk (izfrHkwfr) ds lkfE;d cU/kd (Equitable mortagage)
ij O;fDrxr Ω.k gSA
ik=rk & deZpkjh@ izksQs'kuy ,oa Lofu;ksftr@ vk;dj fu/kkZfjr œ"kd
vkfnA
vk;q& vf/kdre 60 o"kZ
vk; & fuoy ekfld vk;&#- 12]000@& o fuoy okf"kZd vk;&
#- 1]50]000@& ls de ugha gks A
Ω.k jkf'k & U;wure #- 25]000@& o vf/kdre vpy lEifŸk ds cktkj
ewY; (dher) ds 75% ds cjkcj ;k #- 1 djksM+] tks Hkh de gksA
bZ,evkbZ@ ,u,evkbZ æ 50% ;k vf/kd gks A
ik=rk c<+kus gsrq ifr&iRuh nksuksa dh vk; dks tksM+k tk ldrk gSA tekurh
ds uke dh lEifŸk dks Hkh cUËkd j[kdj Ω.k fn;k tk ldrk gSA
ekftZu & lEifŸk dh cktkjh dher dk 25% ;k le;&le; ij fu/kkZfjr
iquHkqZxrku & vf/kdre 60 ekgksa es]a ;fn pSd vkWQ lqfo/kk miyC/k gks
rks vf/kdre 120 ekg ;k lsok fuo`fŸk dh frfFk rdA
Ω.k dk izdkj & fe;knh Ω.k ;k vksojM™k∂V A

[ 65 ]
chek & cU/kd dh tkus okyh lEifŸk dk chek djkuk vko';d gSA
izkslsflax 'kqYdµ Ω.k jkf'k dk 2% vf/kdre :- 50]000@&
8- ,Dlizsl ÿsfMV (X-press Credit)&
;kstuk & ;g ,d ilZuy yksu ;kstuk gSA
ik=rk & ;g ;kstuk ljdkjh@ vºZljdkjh@ lkoZtfud {ks= ds ykHkdkjh
laLFkku@ izfrf"Br 'kS{kf.kd laLFkku tSls vkbZ-vkbZ-Vh-@ vkbZ-vkbZ-,e-] futh
laLFkku tgk° gekjh dsfIVo 'kk[kk gks vkfn ds deZpkfj;ksa gsrq cukbZ xbZ gSA
vk; & ik= Ω.kh dh ekfld vk; de ls de #- 3]000@& gksuh pkfg,A
(;fn laLFkku ds lHkh deZpkfj;ksa dk osru gekjh 'kk[kkvksa esa tek fd;k
tk jgk gksA)
Ω.k jkf'k & ik= Ω.kh dks de ls de #- 10]000@& o vf/kdre 18
ekg dh fuoy ekfld vk; (NMI) ds cjkcj Ω.k Lohœr fd;k tk
ldrk gSA xSj& ljdkjh deZpkfj;ksa dks 12 ekg dh fuoy ekfld vk; ds
cjkcjA
iquHkqZxrku & 48 ekfld fd'rksa es]a ekfld fdLr (EMI)] fuoy ekfld
vk; (NMI) dh 50% ls vf/kd ugha gksuh pkfg,A [kkrs dk 1 o"kZ ckn fjO;w
izkslsflax 'kqYd & Ω.k jkf'k dk 1-0%A

9- lg;ksx fuokl (Sahyog Niwas)&

;kstuk & bl ;kstuk ds rgr Lo;a lgk;rk lewgksa dks Ω.k Lohœr fd;k
tkrk gS ftlls fd os xzkeh.k vkSj vºZ'kgjh {ks=kas esa vius lnL;ksa dks
edku cukus@ [kjhnus] ejEer djus vkfn gsrq Ω.k ns ldsA
ik=rk & Lo;a lgk;rk lewg tks xr nks o"kks± ls lUrks"kizn dk;Z dj jgs gSa
vkSj ftudk Hkqxrku fjdkMZ lgh gS oks bl ;kstuk esa Ω.k ysus gsrq ik= gSA
Ω.k jkf'k & Lo;a lgk;rk lewg dks mudh cpr jkf'k (dkjil) ds 10
xquk ds cjkcj Ω.k fn;k tk ldrk gSA Lo;a lgk;rk lewg ds lnL;ksa dks
edku [kjhnus@ cukus gsrq vf/kdre #- 50]000@& o ejEer djokus ;k
IykV@Hkwfe [kjhnus gsrq vf/kdre #- 25]000@& dk Ω.k Lohœr fd;k tk
ldrk gSA
C;kt & lkekU; nj ls 0-25% de A
[ 66 ]
iquHkqx
Z rku & 15 o"kZ es]a ekfld@ =Sekfld@ vºZokf"kZd@ okf"kZd fdLrksa esAa
izkslsflax 'kqYd & dqN ughaA odhy dh Qhl #- 200@& (vf/kdre) A
,lchvkbZ ykbQ ls lewg chek gksrk gSA Ωf.k;kas dk O;fDrxr nq?kZVuk
chek cSd
a ds [kpsZ ij djk;k tkrk gSA

10- xzke fuokl ;kstuk (Gram Niwas Yojana)&

;kstuk & ;g 50]000 rd dh vkcknh okys xzkeh.k ,oa vºZ'kgjh {ks=ksa
ds fdlkuksa ,oe~ xzkeh.kksa gsrq vkokl Ω.k ;kstuk gSA
ik=rk & os lHkh O;fDr (fdlku] O;olk;h] osru Hkksxh) ftudk nks o"kZ
ls tek [kkrk lUrks"kizn py jgk gS] bl ;kstuk esa Ω.k ysus gsrq ik= gSAa
Lo;a lgk;rk lewg ds lnL; ftuds lewg dk cpr@ Ω.k [kkrk gekjs ikl
gks] os Hkh ik= gSAa
vk;q & 18 o"kZ ls 50 o"kZ rdA ˝50 o"kZ ls vf/kd] ;fn lHkh dkuwuh
okfjl (fof/kd mŸkjkf/kdkjh) Ω.k dh xkjaVh ns˛
a
Ω.k jkf'k & ifr@ ifRu dh vk; lfEefyr djrs gq, leLr Úksrksa ls okf"kZd
vk; dk 5 xq u k ,oa ekfld fd'r ds fuf'pr vuq i kr es a ]
edku cukus@ [kjhnus gsrq vf/kdre #- 5 yk[k] edku dh ejEer@ lq/kkj ds
fy, #- 2 yk[k rFkk vkokl gsrq IykV [kjhnus gsrq vf/kdre #- 1 yk[kA
bZ,evkbZ@ ,u,evkbZ (foxr 2 o"kks± dh vkSlr vk;) vuqikr%
:- 40]000@& rd µ 25%
:- 40]000@& ls vf/kd :- 2 yk[k rd µ 45%
:- 2 yk[k ls vf/kd :- 5 yk[k rd µ 55%
:- 5 yk[k ls vf/kd µ 60%
ekftZu & #- 50]000@& rd µ 10%
#- 50]000@& ls vf/kd ,oa #- 5 yk[k rd µ 15%
#- 5 yk[k ls vf/kd µ 20%
izkslsflax pktZ & ughaA odhy dh Qhl&vf/kdre #- 500@& izfr Ω.khA
[ 67 ]
C;kt & lkekU; nj ls 0-25% de A
iquHkZqxrku & vf/kdre 15 o"kks± es]a eksjsVksfj;e izFke forj.k ls 18
ekg ;k edku iw.kZ gksus ds 2 ekg ckn] tks Hkh igys gks A
izfrHkwfrµ izkFkfed & Ω.k jkf'k ds cjkcj lkfE;d ca/kd (Equitable
mortgage)/ iathœr ca/kd A

chek & lEifŸk ds cktkj ewY; ;k Lohœr Ω.k ds 110% ds cjkcj chek
djkuk gksxkA ,lchvkbZ ykbQ lewg chek gksrk gSA Ωf.k;kas dk O;fDrxr
nq?kZVuk chek cSd
a ds [kpsZ ij djk;k tk;sxkA
oLrqfu"B iz'u
1- 12 ebZ] 2011 ls izHkkoh cSp
a ekdZ izkbe ySfa Max jsV (ftls LVsV cSd
a
,Mokal jsV (SBAR) ds uke ls Hkh tkuk tkrk gS) fdruh gSa \
(v) 12-50% (c) 12-75%
(l) 13-25% (n) 14-00%
2- ,d 50 o"kZ dh vk;q ds O;fDr dks Hkou fuekZ.k gsrq vf/kdre
fdruh vof/k ds fy, Ω.k Lohœr fd;k tk ldrk gS \
(v) 15 o"kZ (c) 20 o"kZ
(l) 25 o"kZ (n) 10 o"kZ
3- #- 75 yk[k rd ds vkokl Ω.k ij fdruk ekftZu fy;k tk;sxk\
(v) 10% (c) 15%
(l) 20% (n) 25%
4- ,d 45 o"kZ dh vk;q okys O;fDr dks Lohœr Hkou fuekZ.k Ω.k dk
iquHkqZxrku vf/kdre fdrus le; esa fd;k tk ldrk gS \
(v) 15 o"kZ esa (c) 20 o"kZ esa
(l) 10 o"kZ esa (n) 12 o"kZ esa
5- ubZ dkj [kjhnus gsrq Ω.k Lohœr djus ds fy, U;wure fuoy
okf"kZd vk; (NAI) fdruh gksuh pkfg, \
(v) #- 60]000@& izfr o"kZ (c) #- 75]000@& izfr o"kZ
(l) #- 90]000@& izfr o"kZ (n) #- 1-00 yk[k izfr o"kZ
6- iqjkuh dkj [kjhnus gsrq vf/kdre fdruk Ω.k Lohœr fd;k tk
ldrk gS \

[ 68 ]
 (v) #- 5 yk[k (c) #- 10 yk[k
(l) #- 15 yk[k (n) dksbZ lhek ugha
7- #- 6 yk[k ds dkj Ω.k gsrq fdruk ekftZu fy;k tk;sxk \
(v) 15% (c) 20%
(l) 25% (n) 30%
8- dkj [kjhnus gsrq izLrkfor Ω.kh dh vk;q fdruh gksuh pkfg, \
(v) 21&65 o"kZ (c) 18&65 o"kZ
(l) 21&60 o"kZ (n) 18&60 o"kZ
9- v/;kidksa dks NksM+dj vU; osruHkksfx;ks dks nqifg;k okgu [kjhnus
gsrq vf/kdre fdruk Ω.k Lohœr fd;k tk ldrk gS \
(v) ekfld vk; dk 6 xquk (c) ekfld vk; dk 12 xquk
(l) ekfld vk; dk 15 xquk (n) ekfld vk; dk 18 xquk
10- v/;kidksa dks NksMd+ j vU; osruHkksfx;ks dks nqifg;k okgu [kjhnus
gsrq Lohœr Ω.k dk iquHkqx
Z rku fdrus le; esa fd;k tk ldrk gS \
(v) 36 ekg esa (c) 48 ekg esa
(l) 60 ekg esa (n) 84 ekg esa
11- SBI Saral ;kstuk ds vUrxZr xzkeh.k {ks=ksa esa U;wure fdruk Ω.k
Lohœr fd;k tk ldrk gS \
(v) #- 5]000@& (c) #- 10]000@&
(l) #- 24]000@& (n) #- 40]000@&
12- SBI Saral ;kstuk ds vUrxZr vf/kdre fdruk Ω.k Lohœr fd;k
tk ldrk gS \
(v) #- 1 yk[k (c) #- 5 yk[k
(l) #- 10 yk[k (n) #- 7-50 yk[k
13- SBI Saral ;kstuk ds vUrxZr ik= Ω.kh dh U;wure fuoy ekfld
vk; (NMI) fdruh gksuh pkfg, \
(v) #- 5]000@& (c) #- 7]500@&
(l) #- 10]000@& (n) #- 12]000@&
14- SBI Loan to pensioners ;kstuk ds vUrxZr ,d iSa'kuj dks
vf/kdre fdruk Ω.k Lohœr fd;k tk ldrk gS \
(v) #- 50]000@& (c) #- 1]00]000@&
(l) #- 1]25]000@& (n) #- 2]00]000@&
15- ,lchvkbZ yksu Vw iS'a kulZ ;kstuk ds varxZr fdruk ekftZu fy;k
tkrk gS \
[ 69 ]
 (v) 50% (c) 10%
(l) 15% (n) fujad
16- ,lchvkbZ yksu Vw iS'a kulZ ;kstukUrxZr Lohœr Ω.k dk [kkrk-------
esa [kksyrs gSa A
(v) ekax Ω.k (c) fe;knh Ω.k
(l) vksoj M™k∂V (n) dsl ÿsfMV
17- ^^,l-ch-vkbZ- LVwMsUV yksu** ;kstukUrxZr Lohœr #- 5 yk[k ds Ω.k
gsrq izfrHkwfr (Security) fdl :i esa yh tkrh gS\a
(v) Hkwfe dk cU/kd (c) r`rh; i{k dh tekur
(l) dksbZ izfrHkwfr ugha (n) mijks‰ esa ls dksbZ ugha
18- ^^,l-ch-vkbZ- LVwMsUV yksu** ;kstukUrxZr Lohœr Ω.k dk iquHkqZxrku
dc ls izkjEHk gksuk pkfg, \
(v) i<+kbZ iw.kZ gksus ds 12 ekg i'pkr~
(c) jkstxkj yxus ds 6 ekg i'pkr~
(l) Ω.k forj.k ds 6 ekg i'pkr~
(n) mijksDr (v) o (c) esa tks Hkh igys gks
19- ^^,l-ch-vkbZ- LVwMsUV yksu** ;kstukUrxZr Lohœr Ω.k dk [kkrk
fdlds uke ls [kksyk tk,xk \
(v) Nk= ds uke
(c) Nk= ds firk@ laj{kd ds uke
(l) Nk= o firk@ laj{kd nksuksa ds la;q‰ uke
(n) Nk= o dkWyst ds fizfa liy ds uke
20- ^^,Dlizsl ÿsfMV** ds vUrxZr izLrkfor Ω.kh dh U;wure ekfld
vk; fdruh gksuh pkfg, \
(v) #- 3]000@& (c) #- 5]000@&
(l) #- 7]500@& (n) #- 10]000@&
21- ^^lg;ksx fuokl ;kstuk** ds vUrxZr Ω.k fdls Lohœr fd;k tkrk gS\
(v) Lo;a lgk;rk lewg dks
(c) Lo;a lgk;rk lewg ds lnL;ksa dks
(l) vkfnokfl;ksa dks
(n) (v) o (c) ds vykok xzkeh.kksa dks
[ 70 ]
22- xzke fuokl ;kstuk ds varxZr Ω.k fdls Lohœr fd;k tkrk gS \
(v) vkfnokfl;ksa dks (c) xzkeh.k {ks= ds fuokfl;ksa dks
(l) Lo;a lgk;rk lewg dks (n) mijks‰ esa ls dksbZ ugha
23- xzke fuokl ;kstuk ds varxZr edku cukus gsrq vf/kdre fdruk
Ω.k Lohœr fd;k tk ldrk gS \
(v) #- 1 yk[k (c) #- 2 yk[k
(l) #- 2-50 yk[k (n) #- 5 yk[k
24- xzke fuokl ;kstuk ds varxZr tehu [kjhnus gsrq vf/kdre fdruk
Ω.k Lohœr fd;k tk ldrk gS \
(v) #- 25]000@& (c) #- 30]000@&
(l) #- 50]000@& (n) #- 1]00]000@&
25- SBI Loan to pensioners ;kstuk ds varxZr Lohœr Ω.kksa ij
fdl lhek rd r`rh; i{k dh xkjaVh (TPG) ug∞a yh tkrh \
(v) #- 25]000@& (c) #- 50]000@&
(l) #- 75]000@& (n) #- 1]00]000@&
26- fdl x`g Ω.k ;kstuk ds vUrxZr vksoj M™k∂V ds ek/;e ls Ω.k
iznku fd;k tkrk gS \
(v) ,lchvkbZ fj;YVh (c) ,lchvkbZ ∂ySDlh
(l) ,lchvkbZ eSDlxsu (n) ,lchvkbZ ›hMe
27- f'k{kk Ω.k fn;s tkus okyh lk/kkj.k ;kstuk dk D;k uke gS \
(v) ,lchvkbZ Ldkyj (c) ,lchvkbZ LVwMsVa yksu
(l) ,lchvkbZ dSfj;j Iyku (n) mijks‰ esa ls dksbZ ugha
28- oS;fDrd Ω.k (Personal Loan) fn;s tkus okyh lk/kkj.k Ω.k
;kstuk dk D;k uke gS \
(v) cU/kd Ω.k (c) ,Dliszl ÿsfMV
(l) ,lchvkbZ ljy (n) mijks‰ esa ls dksbZ ugha
29- foijhr cU/kd (Reverse Mortage) Ω.k ;kstuk esa Ω.k dk iquHkqx
Z rku
vf/kdre fdrus le; esa fd;k tkrk gS \
(v) Ω.kh ds thoudky esa Ω.k dk iquHkqZxrku ugha fd;k tk,xk
(c) vf/kdre 15 o"kZ
(l) vf/kdre 10 o"kZ
(n) mijks‰ esa ls dksbZ ugha
[ 71 ]
30- lkof/k tekvkas dh izfrHkwfr ij Lohœr ekax Ω.k ij fdl nj ls
C;kt olwy fd;k tk,xk \
(v) lkof/k tek ij fn;s tkus okyh C;kt nj ls 0-50% vf/kd
(c) lkof/k tek ij fn;s tkus okyh C;kt nj ls 1-00% vf/kd
(l) lkof/k tek ij fn;s tkus okyh C;kt nj ls 1-50% vf/kd
(n) lkof/k tek ij fn;s tkus okyh C;kt nj ls 2-00% vf/kd
31- lk/kkj.kr;k Lo.kZ Ω.k (Gold Loan) dh vf/kdre iquHkqZxrku
vof/k fdruh gksrh gS \
(v) 60 ekg (c) 48 ekg
(l) 36 ekg (n) 30 ekg
32- Lo.kZ Ω.k vf/kdre fdruh jkf'k rd Lohœr fd;k tk ldrk gS \
(v) #- 10-00 yk[k (c) #- 5-00 yk[k
(l) #- 3-00 yk[k (n) #- 2-00 yk[k
33- PDCs ls rkRi;Z
(v) Pre Discounted Cheques (c) Pre Dated Cheques
(l) Post Dated Cheques (n) mijks‰ esa ls dksbZ ugha
34- t; toku iSU'ku Ω.k ;kstuk fdu yksxksa ds fy, izkjEHk dh xbZ gS \
(v) vkehZ toku (c) usoh ,oa ,;jQkslZ toku
(l) ch,l,Q toku (n) mijks‰ lHkh
35- D;k ,slh fe;knh tek ftlds fo#º ek°x Ω.k fn;k x;k gS] dk
le; ls iwoZ Hkqxrku fd;k tk ldrk gS \
(v) gk° (c) ugha
36- t; toku iSU'kuj Ω.k ;kstuk esa vf/kdre fdruk Ω.k Lohœr
fd;k tk ldrk gS \
(v) #- 1-00 yk[k (c) #- 2-00 yk[k
(l) #- 5-00 yk[k (n) dksbZ ≈ijh lhek ugha
37- ,lchvkbZ fj;YVh esa fdl dk;Z gsrq Ω.k fn;k tkrk gS \
(v) edku cukus gsrq (c) edku esa ejEer gsrq
(l) fj;y LVsV dk;Z gsrq (n) IykWV [kjhnus gsrq
38- fe;knh tekvksa dh izfrHkwfr ij vf/kdre fdruk Ω.k Lohœr
fd;k tk ldrk gS \
[ 72 ]
 (v) #- 10-00 yk[k (c) #- 50-00 yk[k
(l) #- 1-00 djksM (n) dksbZ vf/kdre lhek ugha
39- vf/kdre fdruh vk;q rd ds iS'a kuj dks Ω.k Lohœr fd;k tk
ldrk gS \
(v) 65 o"kZ (c) 70 o"kZ
(l) 72 o"kZ (n) 75 o"kZ
40- xzke fuokl ;kstuk ds vUrxZr Ω.k dk iquHkqZxrku vf/kdre
fdruh vofËk esa fd;k tk ldrk gS \
(v) 10 o"kZ (c) 15 o"kZ
(l) 20 o"kZ (n) 25 o"kZ
41- ,l-ch-vkbZ- xzke fuokl ;kstuk ds varxZr fdl vk;q lewg ds
O;f‰;ksa dks Ω.k fn;k tk ldrk gS \
(v) 18 o"kZ ls 35 o"kZ (c) 18 o"kZ ls 50 o"kZ
(l) 21 o"kZ ls 50 o"kZ (n) 21 o"kZ ls 60 o"kZ
42- vke tekdrkZ dks ,d o"kZ dh lkof/k tekvksa dh izfrHkwfr ij
fdrus izfr'kr rd ekax Ω.k Lohœr fd;k tk ldrkgS\
(v) 75¯ (c) 80¯
(l) 90¯ (n) 100¯
a ds LVkQ dks lkof/k tekvksa dh izfrHkwfr (Security) ij
43- gekjs cSd
fdrus izfr'kr rd Ω.k Lohœr fd;k tk ldrk gS\
(v) 75¯ (c) 80¯
(l) 90¯ (n) 100¯
44- D;k gekjh 'kk[kk,° nwljs cSd
a ksa }kjk tkjh dh xbZ lkof/k tekvksa
dh izfrHkwfr (Security) ij Ω.k ns ldrh gS\
(v) gk° (c) ugha
mŸkjekyk
1- n 2- v 3- l 4- c 5- n 6- l 7- v
8- v 9- v 10- v 11- c 12- l 13- v 14- c
15- n 16- v 17- c 18- n 19- l 20- v 21- v
22- c 23- n 24- n 25- v 26- l 27- c 28- l
29- v 30- c 31- n 32- v 33- l 34- n 35- v
36- c 37- n 38- n 39- l 40- c 41- c 42- l
43- n 44- c
[ 73 ]
 9. œf"k [k.M % Ω.k ;kstuk,a
[ksrh&ckM+h ds dk;ks± gsrq œf"k [k.M ds vUrZxr Hkkjrh; LVsV cSd a us
lcls igys Ω.k nsuk 'kq: fd;k Fkk] tcfd vU; cSd a ksa us 19 tqykbZ] 1969
dks 14 cSd
a ksa ds jk"V™h;dj.k ds i'pkr~ œf"k dk;ks± gsrq Ω.k nsuk 'kq: fd;kA
lHkh œf"k Ω.k izkFkfedrk izkIr {ks= ds Ω.kkas (Priority Sector
Advances) esa oxhZœr fd;s tkrs gSAa ljdkj ds funsZ'kkuqlkj lHkh cSd a ksa
ds dqy Ω.kksa dk 40% fgLlk izkFkfedrk izkIr {ks= esa fn;k tkuk pkfg,
vkSj dqy Ω.kksa dk 18% fgLlk œf"k Ω.kksa gsrq fn;k tkuk pkfg,A
xzkeh.k {ks=ksa esa O;olk; o`fº gsrq cSd
a us fuEu j.kuhfr;k° viukbZ gSa %
1- xzkeh.k {ks=kas esa Ω.k O;olk; dh o`fº gsrq vkj-lh-ih-lh- (:jy
lS.V™ykbTM izkslsflax lsUVjkas) dh LFkkiuk A
2- xzkeh.k 'kk[kkvksa esa vkj-,e-vkj-vks- dh fu;qf‰ A
3- fctusl dkWjLiksUMsUV (ch-lh-) ,oa fctusl QSlhfyVsVlZ (ch-,Q-) dh
lsokvkas dk O;olk; o`fº esa mi;ksx A
orZeku esa 31502 ls vf/kd dLVej lfoZl ikbaV@ chlh@ ch,Q
dk;Zjr gSAa
œf"k {ks= esa cSad lHkh xfrfof/k;ksa tSls& Hkwfe [kjhnus] Hkwfe dks
lery djus] Qly mxkus] V™DS Vj@ midj.k [kjhnus] nq/kk: i'kq [kjhnus]
eqxhZ ikyu vkfn gsrq Ω.k Lohœr fd, tkrs gSAa lHkh œf"k Ω.kksa dks eq[;
:i ls nks Hkkxksa esa ckaVk tkrk gS %
1- vYikof/k Ω.k 2- e/;kof/k@ nh?kkZof/k Ω.k
os lHkh Ω.k ftuds iquHkqZxrku dk le; 36 ekg ls de gks os
vYikofËk Ω.k dgykrs gSa tSls& Qlyh Ω.k] fdlku ÿsfMV dkMZ] Ms;jh
ÿsfMV dkMZ] vk<+fr;k Iyl] mRikn foi.ku Ω.k] ,l-,p-th- ÿsfMV dkMZ]
a h vkfnA os lHkh Ω.k ftuds iquHkqZxrku dk
i'kqikyu gsrq] dk;Z'khy iwt
le; 36 ekg ;k vf/kd gS os e/;kof/k@ nh?kkZofËk Ω.k dgykrs gSa tSls&
VSDVj@ œf"k midj.k [kjhnus] cSy [kjhnus] ckx yxkus vkfn gsrq Ω.kA
vYikof/k Ω.kksa dks d`f"k udn lk[k (ACC) [kkrs esa ukes (Debit)
fy[krs gSa tcfd e/;kof/k@ nh?kkZof/k Ω.kksa dks d`f"k fe;knh Ω.k (ATL)
[kkrs esa ukes fd;k tkrk gSAa
[ 74 ]
 lHkh œf"k Ω.kksa dks iqu% nks Hkkxksa esa oxhZœr fd;k tkrk gS&
1- izR;{k œf"k Ω.k (Direct Agriculture Advances)
2- vizR;{k œf"k Ω.k (Indirect Agriculture Advances)

tks Ω.k lh/ks fdlkukas dks fn;s tkrs gSa os izR;{k œf"k Ω.k dgykrs
gSa tSls& Qlyh Ω.k] VS™DVj Ω.k] HkSl a ikyu Ω.k vkfnA tks Ω.k lh/ks
fdlku dks fn;s tkus ds ctk; fdlh vU; O;fDr@ laLFkk dks fn;s tkrs gSa
vkSj vUr esa ml O;fDr@ laLFkk ls fdlku dks gh Qk;nk gksrk gS ,sls Ω.k
vizR;{k œf"k Ω.k dgykrs gSa tSl [kkn@ cht@ nokbZ@ V™SDVj@ midj.k ds
foÿsrkvks]a vk<+fr;ks]a jkT; fo|qr e.My dks Ω.k nsuk vkfnA

œf"k Ω.k nLrkost %

nLrkost iz;kstu
,-ch- & 1 & vkM+eku djkj
,-ch- & 2 & xkjUVh MhM
,-ch- & 3 & jguukek
,-ch- & 4 & dtZnkj ls fjokboy (iqu% izorZu i=)
,-ch- & 5 & tekurh ls fjokboy
,-ch- & 6 & dtZnkj dks uksfVl
,-ch- & 7 & Qlyh Ω.k dks lkof/k Ω.k es ifjorZu
gsrq vkosnuA
vU; nLrkost %&
1- [kkrk@ [krkSuh dh udy & Hkwfe@ tksr dk izdkj ,oa LokfeRodk C;kSjk
2- [kljk fxjnkojh dh udy & Hkwfe ij o"kZ esa mxkbZ tkus okyh Qlyas
,oa mlds jdcs ({ks=Qy)] flapkbZ vkfn dk C;kSjkA
3- Hkkj eqfDr izek.k i= & rglhynkj@ cSd
a ds odhy }kjk ;g izekf.kr
fd;k tkuk fd Hkwfe ij fdlh vU; O;fDr@ laLFkk dk dksbZ pktZ@ jgu
ntZ ug∞ gSAa

[ 75 ]
izfrHkwfr;k° %&
1- izkFkfed izfrHkwfr (Primary Security)& cSd a Ω.k ls [kjhnh xbZ@
cukbZ xbZ vkfLr;k° (lEifŸk) izkFkfed izfrHkwfr dgykrh gSA
2- lEik£'od izfrHkwfr (Collateral Security)& izkFkfed izfrHkwfr
ds vykok vU; izfrHkwfr;k° tSls& lkfE;d ca/kd (Equitable mortage)]
xzg.kkf/kdkj (Lein) ;k tekur (Guarantee) vkfn fllEik£'od izfrHkwfrfi
dgykrh gSA
:- 1 yk[k rd ds leLr izdkj ds œf"k Ω.kkas dks lEik£'od izfrHkwfr
ls eqDr j[kk x;k gSAa
Qlyh Ω.k dh ik=rk & [ksrh djus okys lHkh fdlku&Hkw LOkkfeRoËkkjh
œ"kd] VsusUV QkeZj ;k ekSf[kd iV~Vs ij œf"k djus okys œ"kd A
mRikn foi.ku Ω.k & bl lqfo/kk ds vUrZxr fdlku vius mRikn
dks Lo;a ds xksnke ;k os;j gkml@ 'khrx`g esa j[kdj] mlds ewY; dk 60%
vf/kdre :- 10 yk[k rd Ω.k izkIr dj ldrs gSA
œf"k Ω.kksa ls C;kt olwyh & œf"k Ω.kkas ds C;kt dh ns; frfFk Qly
dh dVkbZ ds le; eas 2 ekg dk le; (foi.ku vkfn ds fy,) tksMd + j r; dh
tkrh gSa A
œf"k Ω.kkas dh olwyh gsrq nkSjk &
1- lHkh fu;fer œf"k Ω.kkas esa Qly dh dVkbZ ds mijkUr olwyh gsrq
nkSjk fd;k tkuk pkfg, A
2- vfu;fer œf"k Ω.kkas esa olwyh gsrq ekfld vUrjky ij nkSjk
fd;k tkuk pkfg, A
fdlku xksYM dkMZ µ
ik=rk & 2 o"kksZ ls fu;fer ysunsu djus okys fdlkuA
Ω.k lhek & okf"kZd œf"k vk; dk 5 xquk ;k cU/kd Hkwfe dh dher
dk 50% tks Hkh de gks] orZeku lkof/k Ω.k dh cdk;k jkf'k de djds]
vf/kdre :- 10 yk[k A
;g Ω.k Hkwfe [kjhnus] QkeZ gk≈l cukus ;k V™DS Vj [kjhnus ds fy,
ug∞ gSA

[ 76 ]
 a (ukckMZ&NABARD)
jk"V™h; œf"k ,oa xzkeh.k fodkl cSd
ukckMZ dh LFkkiuk 12 tqykbZ, 1982 dks gqbZ FkhA bldk eq[; mÌs';
xzkeh.k {ks=kas ,oa œf"k lEca/kh xfrfof/k;kas dk fodkl gSA cSd a kas dks iqufoZŸk
lqfo/kk nsuk] Lo;a lgk;rk lewg cuokus o mUgas cSd a kas ls tksM+us esa izksRlkgu]
izf'k{k.k iznku djuk@ xSj& ljdkjh laxBukas dh lgk;rk djuk vkfn
ukckMZ ds izeq[k dk;Z gSA
fdlkukas dks dtkZ pqdkus gsrq ;kstukµ
;g ;kstuk œ"kdkas dks lwn[kksjkas ds dtksZ ls eqDr djus gsrq cukbZ xbZA
blds vUrxZr œ"kdkas dks :- 1 yk[k rd dk Ω.k fn;k tkrk gS rkfd os
lwn[kksjkas dk dtZ pqdk,a rFkk Qlyas mxkus gsrq Ω.k izkIr djsAa
œf"k dY;k.k & œ"kdkas dks fdlku dkMZ ds lkFk mRikn foi.ku Ω.k
dh lqfo/kk ,d lkFk Lohœr djukA
xzkeh.k dsUÊh; izfÿ;k dsUÊ (Rural Central Processing Centres)
cSd
a }kjk xzkeh.k {ks=kas ds lHkh izdkj ds Ω.kkas dks rsth ls c<+kus] œf"k
Ω.k esa ,u-ih-,- dks de djus dh n`f"V ls bu dsUÊkas dh LFkkiuk dh xbZ gSA
buds lkFk tqM+h gqbZ xzkeh.k vkSj vºZ'kgjh 'kk[kkvkas ds Ω.k izLrkokas dks
bl dsUÊ Lohœr }kjk fd;k tkrk gSA
fctusl dkWjksLiksUMsVa (BC) ,oa fctusl QSlhfyVsVlZ (BF)— cSfa dax
lsok ls oafpr {ks=kas esa cSfa dx lsok iznku djus ds fy, fctusl QSlhfyVsVlZ
rFkk fctusl dkWjsLiksUMsVa p;fur fd;s x;s gSAa
BC ,oa BF gsrq ,u-th-vks-] lsok fuo`Ÿk ljdkjh deZpkjh] HkwriwoZ
lSfud] mfpr ewY; dh nqdkukas ds ekfyd] iSV™ksy iEi ekfyd] chek ,tsUV
vkfn ik= gSAa
xzhu pSuy dk;Zÿe & œf"k O;olk; dks c<+kok nsus o olwyh esa Js"B
dk;Z dj mRœ"V fu"iknu djus okys 'kk[kk izcU/kdkas@ ,evkjVh yhMlZ dks
izfr o"kZ izksRlkgu gsrq pquk tkrk gSA bUgas 8 fnol ds fy, ns'k ds nwljs
fgLlkas esa fdlh KkuktZu dsUÊ ds ek/;e ls izf'k{k.k ds lkFk&lkFk i;ZVu Hkh
djk;k tkrk gS rFkk #- 7000@& dk Le`fr fpUg (ehesUVks) fn;k tkrk gSA
,l-ch-vkbZ- dk viuk xk°o % Hkkjrh; LVsV cSd a }kjk fdlh xk°o dks
lok±xh.k fodkl gsrq xksn fy;k tkrk gSA
œ"kd Dyc % cSd a vius dk;Z{ks= esa fdlh xk°o dk p;u dj mlesa
vius fu;fer xzkgdks@a equheksa dks œ"kd Dyc cukus gsrq izksRlkfgr djrk
gSA ukckMZ }kjk bl Dyc dh ehfVax vk;kstu gsrq tyiku vkfn dk [kpZ
ogu fd;k tkrk gSA
[ 77 ]
 czkbyj Iyl % bl ;kstuk ds vUrxZr Bsdk iºfr ij eqxhZ ikydksa dks
dkWUV™sDV QkWfe±x dEiuh] pwts ,oa nkuk miyC/k djkrh gS rFkk cSd a }kjk
'ksM vkfn cukus ds fy, Ω.k fn;k tkrk gSA
gkWVhZdYpj % bls ckxokuh ds uke ls Hkh tkuk tkrk gS blds rgr
Qy] Qwy] lfCt;ka mxkuk] ulZjh] xzhu gkml fuekZ.k vkfn xfrfof/k;k°
vkrh gSA
lsjhdYpj (Sericulture) : js'ke ds dhM+ksa dks ikyuk rFkk muls js'ke
dk fuekZ.k djkuk lsjhdYpj dgykrk gSA
lQsn ÿkafr (White Revolution) : nqX/k mRiknu esa vlhe o`fº djus
dks lQsn ÿkafr ;k OgkbV fjokWY;w'ku dgk tkrk gS gekjk ns'k lalkj esa
nqXËk mRiknu esa vxz.kh gSA
gfjr ÿakfr (Green Revolution) : [kk|kUu mRiknu esa vR;f/kd
o`fº dks gfjr ÿkafr ;k xzhu fjokWY;w'ku dgrs gSAa o"kZ 1969 esa ns'k esa
izFke xzhu fjokWY;w'ku yk;k x;k FkkA
xzkeh.k foi.ku ,oa olwyh vf/kdkjh (RMRO-Rural Marketing &
Recovery Officer) : xzkeh.k {ks=kas ,oa œf"k [k.M ds vUrxZr O;olk; o`fº
gsrq œf"k ,oa lgk;d fo"k;kas esa Lukrdksa dks cSd a us 'kq: esa dkWUV™sDV ds
vkËkkj ij fu;qDr fd;k Fkk vc bUgsa mijksDr inkas ij cSd a lsok essa LFkkbZ
dj fn;k x;k gSA
ACB-Agriculture Commercial Branch : œf"k [k.M esa cM+h jkf'k ds
Ω.kks@a ;kstukvksa dks rhozrk ls ykxw djus ds mn~ns'; ls bl izdkj dh
'kk[kk,a [kksyh tk jg∞ gSAa
lathouh % fu;fer :i ls V™DS Vj Ω.k pqdkus okys Ω.kh] VS™DVj dh
ejEer] j[k&j[kko gsrq ;k vfrfjDr midj.k [kjhnus gsrq ;g Ω.k ys
ldrs gSAa ejEer gsrq #- 5]000@& rd ,oa vfrfjDr midj.k [kjhnus gsrq
#- 1 yk[k rd Ω.k fn;k tkrk gaAS
V™DS Vj Ω.k chek ;kstuk % ,lchvkbZ ykbQ }kjk V™DS Vj Ωf.k;ksa dk
thou chek fd;k tkrk gSA de ls de #- 10]000@& rFkk vf/kdre #-
5]00]000@& dk thou chek doj fn;k tkrk gSA
œf"k Lo.kZ Ω.k % fdlku vius Lo.kZ vkHkw"k.k cSd a esa fxjoh j[kdj
œf"k iz;kstu gsrq #- 3 yk[k rd dk Ω.k ys ldrk gSA
oehZdYpj % [ksrh ds fy, Hkwfe dh mitk≈ 'kfDr dks c<+kus esa
dSpqvksa dk cM+k ;ksxnku gS oehZdYpj ds vUrxZr budks vkxsZfud [kkn
cukus gsrq ikyk tkrk gSA
[ 78 ]
1- fdlku ÿsfMV dkMZ (KCC)µ
;kstuk & fdlku ÿsfMV dkMZ ;kstuk dk mn~ns'; cSd a }kjk fdlkuksa dks iwjs
o"kZ esa Qly dh cqvkbZ ls ysdj dVkbZ rd gksus okys [kpks± ds fy,
vko';drkuqlkj le;&le; ij vkfFkZd enn miyC/k djkuk gSA bl
;kstuk esa dsoy Qly mxkus gsrq gh ugha cfYd vU; xfrfof/k;ksa tSls&i'kqvksa
gsrq pkjk ,oa i'kqikyu gsrq dk;Z'khy iw°th] eqxhZikyu gsrq nkuk [kjhnuk
vkfn ds lkFk&lkFk vkdfLed [kpksZ ,oa miHkksx gsrq Hkh Ω.k nsdj vkfFkZd
lgk;rk iznku dh tkrh gSA
ik=rk& fiNys 2 o"kks± ls vPNs V™sd fjdkMZ okys œ"kd]
vPNh lk[k okys vU; œ"kdkas dks Hkh ;g lqfo/kk nh tk ldrh gSA
Ω.k jkf'k & bl ;kstuk esa U;wure #- 3]000@& (mŸkjkapy esa
#- 1]000@&) dk Ω.k Lohd`r fd;k tk ldrk gSA Ω.k dh dksbZ ≈ijh
lhek ugha gSA bl ;kstuk esa fdlku dh iwjs o"kZ dh vko';drk (miHkksDrk
vko';drk lfgr) dks /;ku esa j[kdj fdlku ÿsfMV dkMZ lhek (KCC
Limit) Lohœr dh tkrh gSA fdlku viuh bPNkuqlkj tc pkgs rc jkf'k
ys ldrk gS vkSj tc pkgs rc okil tek dj ldrk gSA bl ;kstuk esa
fdlku dks mRikndrk Ω.k dh vf/kdre lhek dk 20% rd vkdfLed
vko';drk ds :i esa fn;k tk ldrk gSA
fdlku dks ds-lh-lh- vkosnu i= izLrqr djus ds 15 fnu ds vanj&vanj
Lohœr dj fn;k tkuk pkfg, A
ys[kk fof/k & fdlku ÿsfMV dkMZ dh jkf'k dks d`f"k udn lk[k (ACC)
[kkrs esa ukes fy[kk tkrk gSA
oS/krk & fdlku ÿsfMV dkMZ rhu o"kks± gsrq oS/k gSA lk[k lhek dk iqujh{k.k
(Review) izfro"kZ fd;k tkrk gSA
iklcqd & blesa dksbZ dkMZ tkjh ugha fd;k tkrk gS cfYd ikl cqd tkjh dh
tkrh gS ftlesa fdlku dk QksVks lfgr lEiw.kZ fooj.k] tSls&Ω.k lhek]
Hkwfe dk {ks=Qy@ jdck (lkbt)] m/kkjh dh lhek ,oa dkMZ dh oS/krk
vof/k vkfn dk fooj.k fn;k tkrk gSA iklcqd fdlku ds fligpku&i=fi
,oa ysunsukas ds v?kru fjdkMZ dk iz;kstu Hkh iwjk djrh gS A
[ 79 ]
pSdcqd & #- 25]000@& ,oa vf/kd dh lhek okys i<+s&fy[ks fdlkuks]a
tks gLrk{kj dj ldrs gSa] dks pSd cqd Hkh nh tk ldrh gSA vc bl ;kstuk
esa fdlkuksa dks ,-Vh-,e- dkMZ dh lqfo/kk Hkh nh tkus yxh gSA
C;kt nj& :- 3 yk[k rd 7% (fQDLM)
baVjsLV lcoS'a ku 3%, Hkkjr ljdkj }kjk ns;A
izfrHkwfr&bl ;kstuk esa #- 1]00]000@& rd ds Ω.k gsrq dsoy Qlyksa dk
vkMeku fd;k tkrk gS o #- 1]00]000@& ls vf/kd ds Ω.k gsrq Hkwfe dk
cUËkd (Mortgage) fd;k tkrk gSA
chek & bl ;kstukUrxZr fdlku ÿsfMV dkMZ /kkjd Ωf.k;kas dk 70 o"kZ dh
vk;q rd fuEukuqlkj chek gksrk gS%&
1- nq?kZVuk esa e`R;q (nq?kZVuk ds 12 ekg ds vUnj nkok) & : 50]000@&
2- nksukas gkFk@ vk°[k ;k ,d gkFk o ,d vk°[k [kRe gksus ij & : 50]000@&
3- LFkkbZ iw.kZ fodykaxrk & : 50]000@&
4- ,d gkFk ;k ,d vk°[k dh {kfr & : 25]000@&
bl gsrq ns; okf"kZd izhfe;e jkf'k #- 15@& gS ftlesa ls #- 10@& cSda
,oa #- 5@& Ω.kh }kjk ogu fd;s tkrs gSAa

2- fdlku xksYM dkMZ ;kstuk (Kisan Gold Card Scheme)&

;kstuk & fdlku xksYM dkMZ ;kstuk fdlkuksa ds fy, ,d yphyh Ω.k
;kstuk gSA bl ;kstuk ds varxZr Lohœr Ω.k jkf'k dks fdlku viuh
vko';drkuqlkj (i) tehu [kjhnus] (ii) QkeZ gkml cuokus vkSj (iii) Vs™DVj
,oa mldh ,lsljht [kjhnus vkfn dks NksM+dj miHkks‰k vko';drk
lfgr fdlh Hkh iz;kstu gsrq dke esa ys ldrk gSA Lohœr Ω.k lhek dk
vf/kdre 20% miHkksDrk vko';drkvksa gsrq fn;k tk ldrk gSA
ik=rk & os lHkh fdlku ftuds Ω.kkas dk Hkqxrku fiNys nks o"kks± esa
mRœ"V jgk gS] tks fiNys 2 o"kks± ls cSd
a esa cM+h tek jkf'k;kas j[k jgs gS]a
,sls fdlku ftuds [kkrs cUn gks x;s gksa vkSj Ω.k ds iquHkZqxrku esa dksbZ
pwd ug∞ gqbZ gks ,oa vPNh lk[k okys Ω.kh bl ;kstuk esa Ω.k ysus gsrq
ik= gSAa
Ω.k lhek & okf"kZd œf"k vk; dk 5 xquk ;k cU/kd dh tkus okyh Hkwfe
dh dher dk 50% tks Hkh de gks] vf/kdre #- 10 yk[k rdA ;fn d`"kd

[ 80 ]
dk dksbZ d`f"k fe;knh Ω.k igys ls cdk;k gks rks mls m‰ jkf'k esa ls
?kVkdj gh fdlku xksYM dksMZ dh lhek Lohd`r dh tk,xhA ;g Ω.k
fdlku ÿsfMV dkMZ ds vykok gksxkA
ekftZu& (i) d`f"k lEcU/kh vko';drkvksa ij µ 10%
(ii) miHkksDrk vko';drkvksa ij µ 30%
izfrHkwfr&(i) #- 1]00]000@& rd cSd a Ω.k ls fufeZr lalk/kuksa dk vkMeku
(ii) #- 1]00]000@& ls vf/kd Hkwfe dk cU/kd (eksjxst)] fe;knh
tek] ,u-,l-lh-] thou chek ikWfylh (i;kZIr ljS.Mj
oSY;w gks)
iquHkqZxrku & Ω.k dk iquHkqZxrku] Ω.k iz;kstuksa ds vuqlkj vf/kdre 6
ls 7 o"kks± esa fd;k tk ldrk gSA tks fd gkVhZdYpj gsrq Ω.k ds ekeyksa esa
9 o"kZ rd c<+k;k tk ldrk gSA [kkrs dks 1 o"kZ ckn fjO;w fd;k tk;sxkA
Ω.k dk izdkj & fe;knh Ω.k
ys[kk fof/k & bl ;kstuk esa vf/kdre ikap Ω.k [kkrs [kksys tk ldrs gSa
vkS j vyx&vyx iz ; ks t uks a ds vuq l kj vfËkdre ika p nLrkos t
(Documents) fy;s tk ldrs gSAa Ω.k dk forj.k udn jkf'k Hkqxrku
}kjk fd;k tk ldrk gSA
3- dkUV™DS V Qkfe±x (Contract Farming)&
o`gn {ks= esa œf"k mRiknu dh ubZ ;kstukvksa dks Bsdk iºfr ls ykxw
fd;k tkrk gSA blds rgr dkWUV™sDV QkWfe±x dEiuh p;fur fdlkuksa dks
rduhdh lsok] foi.ku vkfn esa lgk;rk djrh gS rFkk cSd a }kjk fdlkuksa
dks Qlyh Ω.k iznku fd;s tkrs gSAa
;kstuk & ;g QkjoMZ vkSj oSdoMZ fyadst dk ,d vPNk mnkgj.k gSA
dkWUV™DS V Qkfe±x ,d rjg ls cM+s&cM+s dkikZsjsV~l }kjk lewg ds :i esa [ksrh
djuk gSA bl ;kstuk esa cM+s&cM+s dkikZsjsV~l ftuds ikl Loa; dh œf"k Hkwfe
ugha gksrh gS ysfdu muds ikl rduhdh LVkQ ,oe~ foLrkj dk;ZdrkZ gksrs
gS]a os fdlkuksa dks igys viuk lnL; cukrs gSa vkSj fQj ftl rjg dh
Qly@ mRikn dh cktkj esa vko';drk gksrh gS] os fdlkuksa dks mlh rjg
dh Qly mxkus gsrq lykg nsrs gSAa dkikZsjsV~l fdlkuksa dks Qly mxkus gsrq
cSd a ls Qlyh Ω.k Lohœr djkrs gSAa Ω.k jkf'k] tehu dk vkdkj o mxkbZ
tkus okyh Qly dh ykxr ij fuHkZj djrh gSA pwfa d bl ;kstuk esa vPNh
fdLe ds cht] [kkn] dhVuk'kd vkfn dk iz;ksx fd;k tkrk gS vkSj lEiw.kZ
Qlyh ekSle esa le;&le; ij rduhdh lykg nh tkrh gS vr% mRiknksa
[ 81 ]
dh xq.koŸkk vPNh gksrh gSA
dkikZsjsV~l fdlku dh Qly dks lgh nke ij ;k rks Lo;a [kjhn ysrs gSa
;k Qly dks lgh dher ij fcdokus dh O;oLFkk djrs gSAa Qly dh foÿ;
jkf'k lh/kh cSd a ds Ω.k [kkrs esa tek dh tkrh gS ftlls fd Ω.k pqd ldsA
bl ;kstuk esa fdlku] cSd a o dkWUV™sDV Qkfe±x dEiuh ds chp ,d djkj
(MOU) Hkh rS;kj fd;k tkrk gSA bl ;kstuk esa #- 2 yk[k rd ds Ω.k gsrq
Hkwfe dk cU/kd ugha fd;k tkrk gSA
Ldsy vkWQ Qkbusl a & ftyk Lrjh;@ jkT; Lrjh; rduhdh lfefr (DLTC/
SLTC) }kjk fu/kkZfjr fd, tkrs gSAa
ykHkµblls d`"kd] ml dEiuh vkSj cSd a rhuksa dks gh fuEu ykHk gksrs gS %
(i) d`"kd µ mRiknksa ds fy, vPNk ewY; ,oa lqfuf'pr cktkj] rduhdh
lykg] mPp xq.koŸkk okys cht ,oa dhVuk'kd] csgrj
ewY;A
(ii) dEiuhµ tehu [kjhnus ij Hkkjh jkf'k [kpZ ugha djuh iM+rh] mPp
xq.koŸkk okys mRikn] mRiknd dk lh/kk cktkj ls leUo;A
(iii) cSd
a µ de ykxr ij cM+h jkf'k ds Ω.k] vius vki pqdkSrh
(Self liquidating)] vf/kd ek=k esa lqjf{kr Ω.kA
4- Ms;jh Iyl ;kstuk &
;kstuk & ;g ;kstuk nqX/k mRikndks]a tks fd nqXËk mRiknd lfefr;ksa ds
lnL; gSa vkSj nqX/k mRiknd lfefr;ksa dks nw/k lIykbZ djrs gS]a gsrq cukbZ xbZ
gSA bl ;kstuk esa nqX/k mRikndksa dks vf/kd nw/k nsus okyh xk;sa@ HkSlsa
[kjhnus] Ms;jh 'ksM cukus] nw/k fudkyus dh e'khu] dqV~Vh dkVus dh e'khu
,oa nw/k bDV~Bk djus ds fy, crZu [kjhnus vkfn gsrq Ω.k Lohœr fd;k
tkrk gSA
Ω.k jkf'k µ blds vUrxZr vyx&vyx iz;kstuksa gsrq vyx&vyx Ω.k
lhek gS] ysfdu vf/kdre Ω.k lhek #- 5 yk[k gSA
Ω.k dk izdkjµœf"k fe;knh Ω.k (ATL)
œf"k fe;knh Ω.k ds vfrfjDr i'kqvkas gsrq pkjk] Hkwlk] nokb;k° vkfn
[kjhnus gsrq :- 2]500@& izfr eos'kh izfr o"kZ dh nj ls dk;Z'khy iw°th
Hkh Lohœfr dh tk ldrh gSA
ekftZuµ #- 50]000@& ls de µ fujad
#- 50]000@& ls #- 5 yk[k rd µ 10 %
C;kt nj& lkekU; œf"k fe;knh Ω.k dh C;kt nj A
[ 82 ]
iquHkqZxrkuµ60 ekfld fd'rkas es]a LFkxu vof/k (Moratorium period)
&vf/kdre 6 ekg
izfrHkwfrµ (i) izkFkfedµ cSd a Ω.k ls [kjhnh xbZ vkfLr;ksa dk vkM+eku
(ii) laikf'oZdµ #- 1 yk[k rd µ fujad
#- 1 yk[k ls vf/kd µ tehu dk ca/kd ;k
r`rh; i{k dh xkjaVh
bl ;kstuk dh vU; fo'ks"krk,° fuEu gSµ a
π Ω.kh dh mez 65 o"kZ ls vf/kd ugha gksuh pkfg,A
π Ω.kh ds ikl gjk pkjk mxkus gsrq fuEukuqlkj tehu gksuh pkfg,%
(i) 10 ls de i'kq µ izfr 5 i'kqvksa gsrq U;wure 0-25 ,dM+ HkwfeA
(ii) 10 ls vf/kd i'kq µ izfr 5 i'kqvksa gsrq 1 ,dM+ Lo;a dh vFkok
iÍs ij yh xbZ HkwfeA
π nwljh C;kar (Lactation) dk i'kq] ftlds lkFk cNM+k gks] [kjhnus gsrq
Ω.k nsuk pkfg,A
π i'kq fpfdRld ls i'kq ds LoLFk gksus lEcU/kh izek.k i= ysuk pkfg,A
π Hkal S dk nw/k de ls de 7 yhVj o xk; dk nw/k de ls de 8 yhVj
gksuk pkfg,A
f=i{kh; le>kSrk& cSd a ] Ω.kh vkSj lkslkbVh ds chpA lkslk;Vh }kjk
Hkqxrku lh/ks Ω.kh ds cSd
a [kkrs esa tek fd;k tk,xkA
5- vk<+fr;k Iyl &
bl ;kstuk ds varxZr fn, x, Ω.kksa dks vizR;{k œf"k Ω.kksa esa oxhZd`r
fd;k tkrk gSA
ik=rk & bl ;kstuk esa vPNh lk[k okys vk<+fr;ks]a tks fd fiNys 3 o"kks±
ls fdlkuksa dks m/kkj nsrs vk jgs gSa vkSj muds ikl e.Mh (ekdsVZ ;kMZ) dk
ykblsUl gS] dks fdlkuksa dks m/kkj nh xbZ jkf'k dk foŸkiks"k.k fd;k tkrk gSA
Ω.k jkf'k & bl ;kstuk esa 6 ekg rd dh ysunkfj;kas dh jkf'k ds 60%
(ekftZu 40%) ds cjkcj] vf/kdre #- 50 yk[k rd dh udn lk[k lhek
Lohœr dh tkrh gSA lEiw.kZ Ω.k dk Hkqxrku 6 ekg esa okil djuk gksrk gSA
izfrHkwfr&izkFkfed&ysunkfj;kas vkSj LVkd dk vkM+eku (Hypothecation)
laikf'oZd&Ω.k jkf'k :- 25 yk[k rd 1-5 xquk vkSj #- 25 yk[k ls
vfËkd #- 50 yk[k rd nks xquk ewY; dh lEifŸk dk lkfE;d ca/kd
(Equitable Mortgage)] œf"k Hkwfe dks NksM+dj A
[ 83 ]
 y?kq mŸkjh; iz'u
1- œf"k [k.M esa loZizFke fdl cSd
a us Ω.k nsuk 'kq: fd;k Fkk \
må Hkkjrh; LVsV cSd
a
2- œf"k [k.M ds Ω.kkas dks ------------ ds varxZr oxhZd`r fd;k tkrk gSA
må izkFkfedrk izkIr {ks= ds Ω.kkas (Priority Sector Advances)
3- cSd
a ds lEiw.kZ Ω.kksa dk fdruk Hkkx œf"k Ω.kksa gsrq fn;k tkuk
pkfg, \
må 18 %
4- Qly mxkus gsrq forfjr fd, tkus okys Ω.kksa dks tujy ystj ds
fdl en esa ukes fy[krs gSa \
må d`f"k udn lk[k (Agriculture Cash Credit)
5- VS™DVj [kjhnus gsrq fn, x, Ω.kksa dks tujy ystj ds fdl en esa
ukes fy[krs gSa \
må d`f"k fe;knh Ω.k (Agriculture Term Loan)
6- fdlku ÿsfMV dkMZ (KCC) ;kstuk ds vUrxZr U;wure fdruh jkf'k
Lohœr dh tk ldrh gS \
må #- 3]000@& (mŸkjkapy esa #- 1]000@&)
7- fdlku ÿsfMV dkMZ (KCC) ;kstuk ds vUrxZr fdruh lhek ds
f'kf{kr Ωf.k;ksa dks pSd&cqd tkjh dh tk ldrh gS \
må #- 25]000@& ,oa vf/kd
8- orZeku esa lsok {ks= n`f"Vdks.k (lfoZl ,fj;k ,izksp) fdu ;kstukvksa
ds fy, ykxw gS \
må dsoy ljdkj }kjk izk;ksftr (Government Sponsored Schemes)
Ω.k ;kstukvksa gsrqA
9- fdlku xksYM dkMZ (KGC) ;kstuk ds vUrxZr vf/kdre fdruk
Ω.k Lohœr fd;k tk ldrk gS \
må d`"kd dh okf"kZd d`f"k vk; dk 5 xquk ;k cU/kd dh tkus okyh Hkwfe
dh dher dk 50% tks Hkh de gks] vf/kdre #- 10 yk[k rdA

[ 84 ]
10- fdlku xksYM dkMZ (KGC) ;kstuk ds vUrxZr vf/kdre fdrus Ω.k
[kkrs [kksys tk ldrs gSa \
må ik°p [kkrs
11- fdlku xksYM dkMZ ;kstuk ds vUrxZr vf/kdre fdrus Ω.k nLrkost
fu"ikfnr fd;s tk ldrs gSa \
må ik°p
12- fdlku xksYM dkMZ ;kstuk ds varxZr fdu xfrfof/k;ksa gsrq Ω.k
Lohœr ugha fd;k tk ldrk \
må (i) tehu [kjhnus] (ii) QkeZ gkml cukus vkSj (iii) Vs™DVj ,oa mldh
,lsljht [kjhnus gsrq A
13- d`f"k mit dk xq.koŸkk fu;a=.k (Quality Control) dk fpUg
D;k gS \
må ,xekdZ
14- dkWUV™sDV QkfeZx ds vUrxZr Ω.k gsrq fdruh lhek rd Hkwfe dks
cUËkd j[kus dh vko';drk ugha gS \
må #- 2]00]000@&
15- Ms;jh Iyl ;kstuk ds vUrxZr vf/kdre fdruk Ω.k Lohœr fd;k
tk ldrk gS \
må #- 5]00]000@&
16- Ms;jh Iyl ;kstuk ds varxZr ik=rk gsrq Ω.kh dh vf/kdre vk;q
lhek fdruh gS \
må 65 o"kZ
17- vk<+fr;k Iyl ;kstuk ds varxZr vk<+fr;ksa dks vf/kdre fdruk
Ω.k Lohœr fd;k tk ldrk gS \
må #- 50 yk[k
18- xzkeh.k {ks=ksa esa O;olk; o`fº gsrq gekjs cSd
a us fdl O;olk; lewg
dk xBu fd;k gS \
må xzkeh.k O;olk; lewg (Rural Business Group)
19- foŸkh; :i ls vyx&Fkyx iM+s yksxksa dks cSfa dax dh /kkjk esa ykus
gsrq gekjs cSd
a us dkSu&lh ;kstuk,a ykxw dh gSa \
må ,l-ch-vkbZ- Vkbuh LekVZ dkMZ] uks f›Yl [kkrk
[ 85 ]
20- o"kZ 2011&12 ds nkSjku 'kk[kkvkas ,oa dLVej lfoZl ikbaVl
(CSP) ds ek/;e ls fdrus fluks f›yfi [kkrs [kksyus dk y{; j[kk
x;k gS \
må 25 yk[k
21- [kjhQ dh Qly dh vof/k dc ls dc rd gksrh gS \
må viSzy ls flrEcj
22- jch dh Qly dh vof/k dc ls dc rd gksrh gS \
må vDVwcj ls ekpZ
23- fdlku ÿsfMV dkMZ ds varxZr ik= Ω.kh dk e`R;q@ viaxrk ,oa
'kkjhfjd {kfr dk fdruh jkf'k rd dk chek gksrk gS \
må e`R;q@ viaxrk µ #- 50]000@&
,d gkFk VwVus@ ,d vk°[k dh {kfr µ #- 25]000@&
24- fdlku ÿsfMV dkMZ ;kstuk ds varxZr Ω.kh ds ches gsrq #- 15@&
okf"kZd dh nj ij izhfe;e dk Hkqxrku fd;k tkrk gSA ;g izhfe;e
fdlds }kjk ogu fd;k tkrk gS \
må #- 10@& cSd a }kjk ,oa #- 5@& Ω.kh }kjkA
25- ,l-ch-vkbZ xzke fuokl ;kstuk fdu {ks=ksa esa ykxw dh xbZ gS \
må xzkeh.k ,oa vºZ'kgjh {ks=ksa es_a o"kZ 2001 dh tux.kuk ds vuqlkj
xzkeh.k {ks=ksa dh tula[;k 50]000 ls vf/kd ugha gksuh pkfg,A
26- fdlku ÿsfMV dkMZ ;kstuk ds varxZr Ω.k Lohd`fr gsrq fdruh jkf'k
rd laikf'oZd izfrHkwfr (Collateral Security)@ Hkwfe dks ca/kd
(Land Mortgage) j[kus dh vko';drk ugha gksrh gS \
må #- 1 yk[k
27- xzkeh.k O;olk; dk;Zuhfr ds vUrxZr cSda us dkSu&ls 2 u, pSuy
izkjEHk fd, gSa \
må (i) ,e-vkj-Vh- pSuy (ekdsZfVax ,.M fjdojh pSuy)
(ii) fctusl QSlhfyVsVj (ch-,Q)@ fctusl dkWjsLiksMsV
a (ch-lh-) pSuy
28- xzkeh.k {ks=ksa esa vkj-,e-vkj-vks- fdl [k.M ds vUrxZr O;olk;
yk ldrs gSa \
må d`f"k] oS;fDrd ,oa ,l-,e-bZ- rhuksa [k.Mksa esAa
[ 86 ]
29- cSfa dax lqfo/kkvksa ls oafpr xzkeh.k {ks=ksa esa cSfa dax lsok,a miyC/k
djokus ds fy, gekjs cSd a us fdl ljdkjh foHkkx ls le>kSrk
fd;k gS \
må bfUM;k iksLV (Mkd foHkkx)
30- ,l-ch-vkbZ Vkbuh dkMZ esa xzkgd dh igpku dSls gksxh \
må ck;ksesfV™d (vaxwBs ds fu'kku ls)
31- vkj-,e-vkj-vks- ls D;k rkRi;Z gS\
må #jy ekdsZfVax ,.M fjdojh vkQhlj
32- gekjs cSd
a }kjk Qjojh 2011 rd fdrus cSfdax lqfo/kk jfgr xk°okas
rd cSfa dax lqfo/kk,° igq°pk nh xbZ gSa \
må 1]18]962 xk°o
33- vkj-,e-vkj-vks- ,d ckj esa vf/kdre fdruh jkf'k rd olwyh
dj yk ldrs gSA
må #- 20]000@&
34- fdlku ÿsfMV dkMZ tkjh djus ds gsrq fdruk ekftZu fy;k tk gS\
må dksbZ ekftZu ug∞ fy;k tkrk
35- œf"k [k.M ds vUrZxr Lo.kZ Ω.kkas (xksYM yksu) gsrq fdl izdkj dk
Ω.k [kkrk [kksyk tk ldrk gS \
må œf"k udn lk[k (ACC) ;k vf/kfod"kZ (OD) ;k ek°x Ω.k (DL) ;k
lkof/k Ω.k (TL) [kkrk A
36- QkeZlZ bT+kh ,EikoMZ yksu (FEEL-Farmers Easy Empowered
Loan) dks vU; fdl uke ls tkuk tkrk gS\
må œf"k dY;k.k

[ 87 ]
 10. Lo;a lgk;rk lewg
o"kZ 1976 esa ckaxyk ns'k ds izks- eksgEen ;wuql us Lo;a lgk;rk lewg
dh vo/kkj.kk dks tUe fn;kA ftlds fy, mUgas o"kZ 2006 esa 'kkafr dk
ukscy iqjLdkj fn;k x;kA Lo;a lgk;rk lewg dh vo/kkj.kk flcpr]
Ω.k vkSj Lo;a lgk;rkfi(Thrift, Credit & Self Help) ij vk/kkfjr gSA
ukckMZ }kjk Lo;a lgk;rk lewg dh uhfr fu/kkZj.k] iqufoZŸk vkSj
izf'k{k.k nsus dk dk;Z fd;k tkrk gSA
Lo;a lgk;rk lewg dh vo/kkj.kk dks ukckMZ us o"kZ 1991&92 ,oa
gekjs cSd
a us o"kZ 1996&97 ls ykxw fd;k gSA 31 ekpZ 2009 rd gekjs
cSd
a us 13-73 yk[k ls vf/kd Lo;a lgk;rk lewgkas dks Ω.k fn;k FkkA ekpZ
2010 rd ftudh la[;k c<+dj yxHkx 15-75 yk[k gks xbZA cSad ds
uhfrxr fn'kkfunsZ'kkas (Policy Guidelines) ds vuqlkj o"kZ 2010&11 ds
nkSjku 2 yk[k vkSj Lo;a lgk;rk lewgkas dks Ω.k nsdj ekpZ 2011 rd
budh la[;k 17-75 yk[k djus ,oa o"kZ 2011&12 ds nkSjku 4 yk[k Lo;a
lgk;rk lewgkas dks Ω.k nsus dk y{; j[kk x;k A
ifjHkk"kkµLo;a lgk;rk lewg 10 ls 20 O;fDr;ksa dk vukSipkfjd
LoSfPNd laxBu gS ftlds lHkh lnL; xzkeh.k {ks= o xjhc ifjokjksa
ds ,d tSls lewg ;Fkkµd`f"k etnwj] NksVs ,oa lhekUr d`"kd vkSj
ekbÿks ,.Vjizkbtst vkfn ls gksrs gSAa ;|fi ;s yksx fofHkUu O;olk;ksa
esa dk;Zjr gks ldrs gS]a ysfdu mudh lkekftd o vkfFkZd fLFkfr ,d
leku gksuh pkfg, ftlls muesa ijLij lg;ksx rFkk lejlrk dh
Hkkouk cuh jgsA lewg dk eq[; mn~ns'; y?kq cpr dks izksRlkfgr
djuk o lnL;ksa dks NksVs&NksVs Ω.k nsdj mudh vkfFkZd vko';drkvksa
dh iwfrZ djuk gSA
dk;Ziz.kkyhµlewg ds lnL;ksa esa ls gh v/;{k] lfpo o dks"kk/;{k dk
p;u fd;k tkrk gSA lewg dh cSBd izR;sd ekg dh tkrh gSA cSBd esa
izR;sd lnL; dks mifLFkr gksuk vko';d gS] tks lnL; fdlh dkj.k
ls cSBd esa mifLFkr ugha gks ikrk gS ml ij dqN n.M yxk;k tkrk gSA
cSBd esa izR;sd lnL; ls vkil esa r; fd;s vuqlkj U;wure jkf'k
tek djokbZ tkrh gS vkSj bl jkf'k dks cSBd esa gh t:jreUn lnL;
dks Ω.k ds :i esa ns nh tkrh gSA lnL;ksa dks mudh tek jkf'k ij
fdl nj ls C;kt nsuk gS vkSj Ω.k jkf'k ij fdl nj ls C;kt ysuk gS
;g lc dqN cSBd esa gh vkil esa r; fd;k tkrk gSA cSBd dh
dk;Zokgh dks ,d jftLVj esa fy[kk tkrk gSA
[ 88 ]
cSd
a ls lEcº djukµxBu ds i'pkr~ Lo;a lgk;rk lewg }kjk cSd a esa
cpr [kkrk [kksyk tkrk gS ftlesa lewg viuh cpr jkf'k dks tek
djk ldrs gSAa ;fn lewg dk fiNys 6 ekg dk ysu&nsu lgh gS]
fu;fer :i ls cSBdsa gks jgh gS vkSj lqpk: fjdkMZ j[kk tk jgk gS rks
a }kjk lewg dks lafpr jkf'k ds cjkcj vkSj vf/kdre 4 xquk
cSd
rd Ω.k Hkh fn;k tk ldrk gSA ;g Ω.k vkxs lewg ds lnL;ksa dks
nsus ds fy, fn;k tkrk gSA lewg dks fe;knh Ω.k ;k udn lk[k
lqfo/kk nh tk ldrh gSA lewg dks fdlh Hkh dk;Z gsrq fn, x;s Ω.k
dks d`f"k [k.M ds vUrxZr oxhZd`r fd;k tkrk gSA
Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (,l-th-,l-okbZ-) ds vUrxZr Hkh
ykHkkFkhZ Lo;a lgk;rk lewg cukdj Ω.k ys ldrs gSAa
xSj ljdkjh laxBuksa dh HkwfedkµxSj ljdkjh laxBu (,u-th-vks-)
Lo;a lgk;rk lewg dh LFkkiuk] laj{k.k vkSj cSd a ksa ls Ω.k fnyokus]
lnL;ksa ds izf'k{k.k ,oa blds lapkyu esa lg;ksx dj ldrs gSAa bl gsrq
iathd`r ,u-th-vks- dks cSd a }kjk ekuns; jkf'k ds :i esa #- 750@&
rd fn, tk ldrs gSa] ftldh Lohd`fr cSad ds egkizcU/kd ds
foosdkf/kdkj esa gSA
a ksa dks 6-5% okf"kZd dh nj ls
iqufoZŸkµbl ;kstukUrxZr ukckMZ }kjk cSd
cdk;k jkf'k dk 100% iqufoZŸk fn;k tkrk gSA
oLrqfu"B iz'u
1- Lo;a lgk;rk lewg dks Ω.k nsus ds lEcU/k esa laikf'Zod izfrHkwfr
(Collateral Security) D;k izko/kku gS \
(v) #- 25]000@& ls vf/kd Ω.k ij yh tkrh gSA
(c) b.MLV™h gsrq :- 5 yk[k rFkk lsok ,oa O;olk; gsrq :-1 yk[k ls
vf/kd Ω.k ij laikf'oZd izfrHkwfr yh tk ldrh gSA
(l) #- 50]000@& ls vf/kd Ω.kksa ij cSda ds foosdkuqlkj laikf'Zod
izfrHkwfr yh tkrh gSA
2- Lo;a lgk;rk lewg dks izkjEHk esa vf/kdre fdruk Ω.k Lohd`r
fd;k tk ldrk gS \
(v) #- 50]000 (c) #- 1 yk[k
(l) lewg dh cpr o Ω.k dk vuqikr = 1 % 1
(n) mijksDr esa ls dksbZ ugha
[ 89 ]
3- Lo;a lgk;rk lewg (S.H.G.) ds xBu gsrq vf/kdre fdrus lnL; gks
ldrs gSa \
(v) 20 (c) 50
(l) 10 (n) mijksDr esa ls dksbZ ugha
4- Lo;a lgk;rk lewg ds vUrxZr fdl Js.kh ds ykHkkfFkZ;kas dks lEefyr
ugha fd;k tk ldrk \
(v) œf"k etnwj (c) ekbÿks ,UVjizkbtst
(l) NksVs ,oa lhekUr fdlku (n) le`º fdlku
5- cSd
a }kjk Lo;a lgk;rk lewg dks Ω.k Lohd`r djus ls igys ;g
lqfuf'pr dj ysuk pkfg, fd lewg fiNys de ls de ---------- ls
cpr o ysu&nsu dk dk;Z lUrks"ktud <ax ls pyk jgk gSA
(v) 6 ekg (c) 1 o"kZ
(l) 3 o"kZ (n) mijksDr esa ls dksbZ ugha
6- Lo;a lgk;rk lewg dk ykHkkFkhZ dc ls vuqnku dk ik= gks tkrk gS\
(v) foŸkh; xzsfMax ij (c) izFke xzsfMax ij
(l) prqFkZ xzsfMax ij (n) Ω.k dh vnk;xh ij
7- LOka; lgk;rk lewg esa lnL;ksa dk chek djus dk le>kSrk fdl
daiuh ds lkFk gSA
(v) us'kuy bU';ksjsl
a dEiuh (c) Hkkjrh; thou chek fuxe
(l) vksfj,.Vy ba';ksjsl
a dEiuh (n) ;wukbVsM bfUM;k bU';ksjl
sa daiuh
8- Loa; lgk;rk lewg esa Ω.k dh vnk;xh dk dkSu ftEesnkj gS\
(v) lewg dk usrk (c) NGO
(l) lkewfgd :i ls lHkh lnL; (n) dksbZ ugha
9- Lo;a lgk;rk lewg esa Ω.k nLrkostksa dk fu"iknu dkSu djrs gS\
(v) lewg ds lHkh lnL; (c) ,d lnL;
(l) lewg ds v/;{k ,oa lfpo (n) mijksDr esa ls dksbZ ugh
10- ,l-,p-th ÿsfMV dkMZ ,oa ,l-,p-th- xksYM dkMZ dh oS/krk vofËk
fdruh gSA
(v) 1 o"kZ (c) 2 o"kZ
(l) 3 o"kZ (n) 5 o"kZ
mŸkjekyk
1- c 2- l 3- v 4- n 5- v 6- v 7- c 8- l 9- v 10- l
[ 90 ]
 y?kq mŸkjh; iz'u

izå1 Lo;a lgk;rk lewg fdl vo/kkj.kk ij vk/kkfjr gS \

må cpr] Ω.k vkSj Lo;a lgk;rk (Thrift, Credit and Self Help)
izå2 Lo;a lgk;rk lewg ds xBu gsrq U;wure fdrus lnL; gksus pkfg, \
må 10
izå3 fiNys de ls de fdrus le; ls cpr o ysunsu dk dk;Z
larks"ktud <ax ls pyk jgs Lo;a lgk;rk lewg dks Ω.k fn;k tk
ldrk gS \
må 6 ekg
izå4 Lo;a lgk;rk lewg dks vf/kdre fdruk Ω.k Lohd`r fd;k tk
ldrk gS \
må lewg dh cpr o Ω.k dk vuqikr 1% 4] vFkkZr~ Lo;a lgk;rk
lewg dks lewg dh cpr ds 4 xqus ds cjkcj Ω.k iznku fd;k tk
ldrk gSA
izå5 ,lth,lokbZ esa Lo;a lgk;rk lewg dks izFke xzsfMax ds i'pkr~
U;wure o vf/kdre fdruk fjokfYoax QaM fey ldrk gS \
må cpr ds cjkcj U;wure #- 5]000@& ,oa vf/kdre #- 20]000@&
izå6 Lo;a lgk;rk lewgksa ds vfHk;ku esa dkSu&dkSu lh fofHkUu ,tsfa l;k°
lfEefyr gSa ,oa mudk D;k ;ksxnku gS \
må (v) ukckMZ & uhfr fu/kkZj.k] izf'k{k.k ,oa iqufoZr
(c) cSd
a & Ω.k iznku djuk
(l) ,uthvks & lewgkas dk fodkl (lao/kZu)] mUgas cSd a ksa
ls lEcº djuk] foŸkh; e/;LFkhdj.k
(Financial intermediation) ,l-,p-
th- ds lnL;kas@dk;ZdrkZvkas dk izf'k{k.kA
(n) izf'k{k.k laLFkku& vius LVkQ dks izf'kf{kr djuk vkSj ,l-
,p- th ds lEcU/k esa v/;;u (LVMht)
djuk A
izå7 Lo;a lgk;rk lewgksa dks fn, x, Ω.k ds lEcU/k esa iqufoZŸk dgk°
ls izkIr fd;k tk ldrk gS \
må jk"V™h; d`f"k vkSj xzkeh.k fodkl cSd
a (ukckMZ) ls 'kr izfr'krA
[ 91 ]
izå8 Lo;a lgk;rk lewgksa dks Lohd`r Ω.kksa dks fdl [k.M esa oxhZd`r
fd;k tkrk gS \
må d`f"k [k.M esa
izå9 Lo;a lgk;rk lewgksa dks fdu iz;kstuksa gsrq Ω.k Lohd`r fd;k tk
ldrk gS \
må (i) miHkksx vko';drkvksa ,oa (ii) mRiknu dk;Z gsrq
izå10 Lo;a lgk;rk lewg dh dqy lafpr jkf'k esa dkSu&dkSu lh jkf'k;k°
lfEefyr gksrh gSa \
må (i) cpr ,oa cSda esa tek jkf'k] (ii) n.M dh jkf'k
(iii) Lo;a lgk;rk lewg ds ikl udn jkf'k ,oa
(iv) Lo;a lgk;rk lewg ds lnL;ksa dks forfjr Ω.k jkf'k
izå11 D;k cSd
a dk fMQkYVj (pwddrkZ) Ω.kh Lo;a lgk;rk lewg dk
lnL; cu ldrk gS \
må gk°
izå12 D;k ,d O;fDr ,d ls vf/kd Lo;a lgk;rk lewgksa dk lnL; cu
ldrk gS \
må ugha
izå13 D;k ,d flvo;Ldfi Lo;a lgk;rk lewg dk lnL; cu ldrk gS\
må ugha
izå14 Lo;a lgk;rk lewg ds fglkc&fdrkc dh iqLrdkas dks fy[kus gsrq
;fn fdlh ckgjh O;fDr dh enn yh tkrh gS rks mls fdruk
ekuns; fn;k tkrk gS \
må #- 25@& izfr ekg] cSd a }kjk [kpkZ [kkrk dks ukes fy[kdj jkf'k
lewg ds [kkrs esa tek dj nh tkrh gSA
izå15 Lo;a lgk;rk lewgksa dh enn djus okys xSj&ljdkjh laxBu (,u-
th-vks-) dks izkRs lkgu gsrq fdruh ekuns; jkf'k nh tk ldrh gS \
må #- 750@& izfr Lo;a lgk;rk lewg
(i) 50% jkf'k µ Lo;a lgk;rk lewg cukus ,oa cSd a esa cpr
[kkrk [kksyus ij
(ii) 50% jkf'k µ Lo;a lgk;rk lewg dks Ω.k forj.k ds
3 ekg i'pkr~

[ 92 ]
izå16 Lo;a lgk;rk lewgksa gsrq gekjs cSd
a }kjk dkSu&ls u, mRikn 'kq:
fd, x, gSa \
må (i) ,l-,p-th- ÿsfMV dkMZ
(ii) ,l-,p-th- xksYM dkMZ
(iii) lg;ksx fuokl (vkokl gsrq)
izå17 gekjs cSd
a }kjk Loa; lgk;rk lewgkas dks Ω.k nsus gsrq 2010&11
,oa 2011&12 ds uhfrxr funsZ'kkas esa D;k y{; j[kk x;k gS \
må (i) o"kZ 2010&11 ds uhfrxr fn'kkfunsZ'kkas ds vuqlkj o"kZ ds
nkSjku 2 yk[k vkSj Lo;a lgk;rk lewgkas dks Ω.k nsdj ekpZ
2011 rd budh la[;k 17-75 yk[k djus dk y{; j[kk x;k
FkkA
(ii) o"kZ 2011&12 ds nkSjku 4 yk[k Lo;a lgk;rk lewgkas dks
Ω.k nsus dks y{; j[kk x;k gSAa

[ 93 ]
11. ljdkj }kjk izk;ksftr Ω.k ;kstuk,a
1- iz/kkuea=h jkstxkj l`tu dk;Zÿe (PMEGP)
;kstukµHkkjr ljdkj }kjk 31&03&2008 rd ykxw iz/kkuea=h jkstxkj
;kstuk (PMRY) ,oa xzkeh.k jkstxkj l`tu dk;Zÿe (REGP) dks
feykdj vuqnku lEcº ubZ ;kstuk iz/kkuea=h jkstxkj l`tu
dk;Zÿe dks 15&08&2008 ls ykxw fd;k x;kA jk"V™h; Lrj ij
;g ;kstuk jk"V™h; [kknh ,oa xzkeks|ksx deh'ku }kjk dk;kZfUor
dh tkrh gSA jkT; Lrj ij ;kstuk dk dk;kZUo;u jkT; ds-oh-vkbZ-
lh- funs'kky;ks]a jkT; [kknh ,oa xzkeks|ksx cksMks± (ds-oh-vkbZ-ch-)
ftyk m|ksx dsUÊksa ,oa cSd
a ksa }kjk fd;k tkrk gSA
mÌs';µ 1- Lofu;ksftr y?kq m|eksa dh LFkkiuk dj xzkeh.k ,oa 'kgjh
{ks=ksa esa jkstxkj ds volj iznku djukA
2- ijEijkxr nLrdkjksa vkSj csjkstxkj ;qokvksa dks ,d lkFk
ykdj mUgsa muds gh LFkku ij jkstxkj ds volj iznku
djukA
3- xzkeh.k ;qokvksa dks thou ;kiu yk;d jkstxkj iznku dj
mudk 'kgjh {ks=ksa dh vksj iyk;u jksdukA
4- nLrdkjksa dh vtZu {kerk esa o`fºA
foŸkh; lgk;rk dh izœfr ,oa ek=kµ
ykHkkFkhZ dh Js.kh ykHkkFkhZ dk va'knku vuqnku dh nj
(ekftZu) (ifj;kstuk ykxr dk)
'kgjh {ks= xzkeh.k {ks=
lkekU; Js.kh µ 10¯ 15¯ 25¯
fo'ks"k Js.kh* µ 5¯ 25¯ 35¯
* v-tk-@ t-tk-@ vYila[;d@
efgyk@ HkwriwoZ lSfud@ fodykax@
igkM+h ,oa lhekorhZ {ks=A
vf/kdre ifj;kstuk@ bdkbZ ykxrµ
fofuekZ.k {ks= (Manufacturing Sector) µ #- 25 yk[k
O;olk;@ lsok {ks= (Business/ Service Sector) µ #- 10 yk[k

[ 94 ]
ik=rkµ µ 18 o"kZ ls vf/kd vk;q dk O;f‰] ≈ijh vk;q lhek ughaA
µ vk; dh ≈ijh lhek ughaA
µ fofuekZ.k {ks= esa #- 10 yk[k rFkk O;olk;@ lsok {ks= esa
#- 5 yk[k ls vf/kd ifj;kstuk ykxr gsrq U;wure 'kS{kf.kd
;ksX;rk 8oha mŸkh.kZA
µ Lo;a lgk;rk lewg (igys fdlh ;kstuk ds varxZr ykHk
ugha fy;k gks)A
µ iathœr laLFkk,a] /kekZFkZ U;kl] mRiknu lgdkjh lkslk;fV;k°
vkfnA
µ ,d ifjokj esa ,d gh O;fDr dks Ω.k A
ykHkkfFkZ;ksa dk p;uµVkWLd QkslZ }kjk
ekftZu jkf'k (vuqnku)µykWd bu ihfj;M 3 o"kZ
C;kt nj µ lkekU; C;kt nj
iquHkqZxrku µ 3 ls 7 o"kZ
LFkxu vof/k (moratorium period) µ vf/kdre 12 ekg
laikf'oZd izfrHkwfr µ #- 5 yk[k rd ds Ω.k ds fy, vko';d ugha
vuqnku µ vuqnku jkf'k 3 o"kZ dh fe;knh tek ds :i esa j[kh tk,xh
ftl ij dksbZ C;kt ugha fn;k tk,xk vkSj bruh gh (fe;knh
tek dh) jkf'k rd Ω.k ij C;kt olwy ugha fd;k tk,xkA
vuqnku jkf'k 3 o"kZ i'pkr~ ykHkkFkhZ ds Ω.k [kkrs esa tek dj nh
tk,xhA
m|ferk fodkl dk;Zÿeµ izkstsDV dh Lohœfr ds i'pkr~ izFke fd'r
forj.k ls iwoZ ykHkkfFkZ;ksa dks m|e'khyrk fodkl dk;Zÿe (bZ-Mh-ih-)
ds varxZr vfuok;Zr% 2 lIrkg dk izf'k{k.k ysuk gksxkA
bdkbZ;ksa dk HkkSfrd lR;kiuµds-oh-vkbZ-lh- }kjk izR;sd bdkbZ dh okLrfod
LFkkiuk vkSj dk;Zjr fLFkfr dk 'kr izfr'kr HkkSfrd lR;kiu fd;k
tk;sxkA
2- Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY)
;g ;kstuk 01-12-1997 dks 'kgjh xjhch mUewyu dh rhu ;kstukvksa
usg: jkstxkj ;kstuk (NRY), ;w-ch-,l-ih- o ih-,e-vkbZ-;w-ih-bZ-ih- dks
lesfdr dj cukbZ x;h FkhA jkT; ljdkjksa o dsUnz 'kkflr izns'kksa }kjk
vuqHko dh x;h dfBukbZ;ksa dks /;ku esa j[krs gq, 01-04-2009 ls
la'kksf/kr ;kstuk ykxw dh x;h gSA
[ 95 ]
y{; lewgµ;kstuk vk;ksx }kjk ifjHkkf"kr xjhch js[kk ls uhps thou
;kiu djus okyh 'kgjh tula[;k
bl ;kstuk ds fuEu ik°p ?kVd gSa %
(i) 'kgjh Lo&jkstxkj dk;Zÿe (USEP)
(ii) 'kgjh efgyk Lo;a lgk;rk dk;Zÿe (UWSP)
(iii) fLdy V™sfuax QkWj ,EiykW;esUV izeks'ku veaXLV vjcu iwvj
(STEPUP)
(iv) 'kgjh etnwjh jkstxkj dk;Zÿe (UWEP)
(v) 'kgjh lkeqnkf;d fodkl ra= (UCDN)

(i) 'kgjh Lojkstxkj dk;Zÿe (USEP)

blds 2 fuEu mi?kVd gSa %

(i) O;fDrxr 'kgjh xjhc ykHkfFkZ;kas dks ykHkizn Lojkstxkj LFkkfir
djus gsrq lgk;rk (Ω.k o vuqnku)
(ii) 'kgjh xjhckas dks m|e LFkkfir djus o mRiknkas ds foi.ku gsrq
rduhd] foi.ku] vk/kkjHkwr] <kapk] tkudkjh miyC/k djkus esa
lgk;rk (rduhd] foi.ku ,oa vU; lgk;rk)
ik=rk µ (i) vk;q de ls de 18 o"kZ]
(ii) 'kgj esa de ls de fiNys rhu o"kks± ls fuokl]
(iii) vU; cSd
a @ foŸkh; laLFkk@ dksvkijsfVo cSd a dk pwddŸkkZ
ug∞ gksA
vkj{k.kµ (i) efgykvkas gsrq de ls de 30%
(ii) vuqlwfpr tkfr@ tutkfr ds fy, LFkkuh; tula[;k esa
muds fgLls ds cjkcj
(iii) fodykaxkas ds fy, & dqy ykHkkFkhZ;kas dk 30%
(iv) vYila[;dksa ds fy, & dqy ykHkkFkhZ;kas ,oa foŸkh; lgk;rk
dk 15%
'kS{kf.kd & (i) dksbZ U;wure@ vf/kdre 'kS{kf.kd ;ksX;rk ykxw ug∞
;ksX;rk (ii) ;fn fdlh y?kq m|e gsrq izf'k{k.k dh vko';drk gks
rks foŸkh; lgk;rk miyC/k djkus ls iwoZ izf'k{k.k
vfuok;Z A
ykHkkfFkZ;ksa dk p;u µ xjhch js[kk ls uhps thou ;kiu djus okys
O;fDr;kas dk fn, x, fofHkUu fcUnqvkas ij losZ ds vk/kkj ij izkIr vkSlr
Ldksj ds vuqlkj xjhckas esa ls lcls xjhc dk pqukoA
[ 96 ]
ifj;kstuk ykxr & vf/kdre :- 2 yk[k & vdsys O;fDr gsrq
nks ;k vf/kd O;fDr gksa rks ifj;kstuk ykxr esa izR;sd
dk fgLlk :- 2 yk[k ls de gksA
vuqnku µ ifj;kstuk ykxr dk 25%] vf/kdre :- 50]000@& izfr
ykHkkFkhZ
ekftZu µ ifj;kstuk ykxr dk 5%
C;kt njµ Hkkjrh; fjtoZ cSad }kjk ,sls izkFkfedrk izkIr {ks=kas gsrq
fuËkkZfjr nj A
laikf'oZd izfrHkwfr µ fujad
iquHkZqxrku µ 3 ls 7 o"kZ] LFkxu vof/k 6 ls 18 ekg
(ii) 'kgjh efgyk Lo;a lgk;rk dk;Zÿe (UWSP)

blds 2 fuEu mi?kVd gSa %

(i) 'kgjh xjhc efgykvkas ds lewg dks ykHkizn Lojkstxkj LFkkfir
djus gsrq Ω.k o vuqnku ds ek/;e ls lgk;rk & UWSP
(Ω.k ,oa vuqnku)
(ii) 'kgjh xjhc efgykvkas }kjk cuk, x, Lo;a lgk;rk lewg@
fFkz∂V o ÿsfMV lkslkbfV;kas gsrq fjokfYoax Q.M& UWSP
(fjokfYoax Q.M)
ik=rkµ (i) lewg esa de ls de 5 'kgjh xjhc efgyk,a gksa
(ii) lnL;kas dh vk;q de ls de 18 o"kZ
ifj;kstuk ykxr & dksbZ vf/kdre lhek ugha
vuqnku µ ifj;ks t uk ykxr dk 35%] vf/kdre :- 3 yk[k ;k
:- 60]000@& izfr ykHkkFkhZA
ekftZu µ ifj;kstuk ykxr dk 5%
izfrHkwfrµ dksbZ laikf'oZd izfrHkwfr ug∞] Ω.k ls izkIr vfLr dk vkMeku@
caËkd@ fxjohA
iquHkqZxrku µ 3 ls 7 o"kZ] LFkxu vof/k & 6 ls 18 ekg
[ 97 ]
3- Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY)µ
;g ;kstuk 1 vizy
S ] 1999 ls izkja Hk dh xbZ gSA
mÌs'; µ xzkeh.k {ks=kas esa xjhch js[kk ls uhps thou ;kiu djus okys
ifjokjkas dks foŸkh; lgk;rk iznku dj LOkjkstxkjh dks 3
o"kZ ds vanj xjhch js[kk ls ≈ij mBkuk] rkfd os dqN le;
esa fujUrj vPNh vk; dekus ;ksX; gks tk,aA
,d ifjokj ds ,d lnL; dks gh Ω.k iznku fd;k tk,xkA
vk;q µ 18 o"kZ ls vf/kdA
f'k{kk µ vkosnd dh f'k{kk dk Lrj dqN Hkh gks ldrk gSA
ekftZu µ ekftZu dh vko';drk ug∞A
izfrHkwfr µ (i) izkFkfed µ cSd
a Ω.k ls ÿ; lEifŸk dk vkM+eku
(gkbiksfFkds'ku)
(ii) laikf'oZd µ
µ O;fDr;kas dksµ:- 1]00]000@& rd vko';drk ugha
µ Lo;a lgk;rk lewg µ :-10 yk[k rd vko';drk
ug∞] tgk° cSd
a Ω.k ls py lEifŸk ug∞ [kjhnh tk,]
,slh fLFkfr esa r`rh; i{k dh xkjaVh yh tk;sxhA
forj.k µ :- 10]000@& rd udn
miHkksx Ω.k µ detksj oxZ ds Lojkstxkfj;kas dks vf/kdre :- 2]000@&
vuqnku &
(i) lkekU; µ ifj;kstuk ykxr dk 30% vf/kdre :- 7]500@&
(ii) vuqlfw pr tkfr@ tutkfr µ ifj;kstuk ykxr dk 50% vfËkdre
:- 10]000@&
(iii) Lo;a lgk;rk lewgµ ifj;kstuk ykxr dk 50%] izfr& Lojkstxkjh
vf/kdre :- 10]000@& ;k : 1]25]000@& tks Hkh de gksA
(iv) flapkbZ ifj;kstuk µ ifj;kstuk ykxr dk 50% vfËkdre
:- 7]500@&
[ 98 ]
iquHkqZxrkuµ 5 ls 9 o"kks± es]a LFkxu vof/k 6 ls 12 ekg
chek & Hkkjrh; thou chek fuxe ls Ω.kh (18 ls 60 o"kZ rd) dk
nq?kZVuk esa e`R;q dh n'kk esa :- 12]000@& ,oa izkœfrd e`R;q dh
n'kk esa :- 6]000@& dk chek] ches dh jkf'k dk ukfer dks
HkqxrkuA
4- eSuv q y LdsoUs tjksa ds iquokZlu gsrq Lojkstxkj ;kstuk (SRMS)&
;g ;kstuk o"kZ 2008&09 esa izkjEHk dh xbZA blds vUrxZr eSuqvy
LoPNdkjksa ,oa muds vkfJrksa dks lEekutud Lojkstxkj dh LFkkiuk ds
fy, Ω.k iznku fd;k tkrk gSA rkfd os bl vekuoh; izFkk ls eqf‰ ikdj
lekt dh eq[;/kkjk ls tqM+ ldsAa
lhek {ks= µ 'kgjh] vºZ'kgjh ,oa xzkeh.k (lHkh {ks=)
ik=rk µ lHkh p;fur eSuqvy LoPNdkj
vk;q µ dksbZ ≈ijh lhek ugha
ifj;kstuk ykxr µ vf/kdre #- 5 yk[k izfr ykHkkFkhZ
ekftZu µ fujad
vuqnku µ ifj;kstuk ykxr dk 50%_
U;wure #- 12]500@&_ vf/kdre #- 20]000@&
Ω.k jkf'k µ U;wure #- 25]000@&] vf/kdre #- 5 yk[k
C;kt nj µ ifj;kstuk ykxr #- 25]000@ rd
& efgykvksa gsrq & 4¯
& iq#"kksa gsrq & 5¯
ifj;kstuk ykxr #- 25]000@ & ls vf/kd & 6¯
izfrHkwfr µ izkFkfedµcSd a Ω.k }kjk ÿ; vkfLr;ksa dk vkM+eku
laikf'oZdµdksbZ vko';drk ugha
forj.k µ ifjlEifŸk;ksa dks ÿ; djrs le; ,d eq'r] cpr [kkrs ds
ek/;e ls
iquHkqZxrku µ #- 25]000@& rd dh ifj;kstuk & 3 o"kZ
#- 25]000@& ls vf/kd dh ifj;kstuk & 5 o"kZ
LFkxu vof/k 6 ekg
y{; µ y{; dk 50¯ Hkkx iq#"k rFkk 50¯ efgyk vH;fFkZ;ksa
ls iwjk fd;k tk;sxkA

[ 99 ]
5- foHksnd C;kt nj ;kstuk (DRI Scheme)&
ik=rk µ
(i) ifjokj dh vk; µ xzkeh.k {ks= µ #- 18]000@& ls de
(leLr lzksrksa ls) 'kgjh {ks= µ #- 24]000@& ls de
(ii) Hkwfe µ flafpr µ 1 ,dM+ ls vf/kd ugha gks
µ vflafpr µ 2-5 ,dM+ ls vf/kd ugha gks
(iii) vuq- tkfr@ tutkfrµHkwfe /kkj.k dh lhek ugha
(iv) fdlh vuqnku ;kstuk esa ykHkkfUor ugha gksA
(v) fodykax tks ykHkdkjh mithfodk (Gainful occupation) esa
yxs gksAa
(vi) es?kkoh Nk= tks mPp v/;;u djuk pkgrs gks]a ftUgsa Nk=o`fŸk@
ljdkj ;k 'kSf{kd izkf/kdkfj;ksa ls Hkj.k iks"k.k vuqnku ugha
feyrk gksA
laLFkk,aµ (i) flviax ,oa efgyk x`gfi tgk° foÿ; ;ksX; lkeku curs gksa
vkSj ftudk fo'oluh; vkSj lrr foŸkh; lzksr u gksA
(ii) viax O;f‰;ksa dh laLFkk,a tks ykHkdkjh mithfodk iznku
djus esa yxh gks]a tgk° midj.k vkSj@ ;k dPps eky dh
vkiwfrZ ykHknk;d gksA
v-tk-@ v-t-tk- gsrq jkT; fuxeµ
cSd
a ik= ykHkkfFkZ;ksa dks mijks‰ jkT; fuxeksa ds ek/;e ls Hkh
Ω.k iznku dj ldrs gSAa
Ω.k jkf'kµ (i) vkokl Ω.k gsrq µ #- 20]000@&
(ii) vU; dk;ks± gsrq µ #- 15]000@&
y{; µ v-tk- ds ykHkkfFkZ;ksa dks U;wure µ 40¯
xzkeh.k ,oa vºZ'kgjh 'kk[kkvksa ds ek/;e ls µ Ω.kksa dk 2@3
cSd
a dk lexz y{; µfoxr o"kZ ds dqy Ω.kksa dk 1¯
nLrdkjksa dks Ω.kµ
(i) xzkeh.k 'kk[kk,a µ 10 Ω.k izfr 'kk[kk izfr frekgh
(ii) vºZ'kgjh@ 'kgjh 'kk[kk,a µ 5 Ω.k izfr 'kk[kk izfr frekgh
[ 100 ]
vuqnku µ fujad
ekftZu µ fujad
C;kt nj µ 4 izfr'kr okf"kZd] lk/kkj.k
izfrHkwfrµ izkFkfed µ cSd
a foŸk ls ÿ; lEifŸk dk vkM+eku
laikf'oZd µ dqN ugha
iquHkqZxrku µ 5 o"kZ] LFkxu vof/k dks lfEefyr djrs gq,
LFkxu vof/k µ mfpr vof/k
ykHkkfFkZ;ksa dk p;u µ {ks= LVkQ }kjk
chek µ i'kq/ku ds vfrfj‰ ugha_ ;fn mfpr le>k
tk, rks izhfe;e dh jkf'k cSda }kjk ogu
dh tkuh pkfg,A
lsok{ks= n`f"Vdks.k
lsok {ks= n`f"Vdks.k vc dsoy ljdkj }kjk izk;ksftr ;kstukvksa ds
varxZr Ω.k Lohœr djus ds fy;s gh gSA vU; Ω.k ;kstukvksa ds fy;s lsok
{ks= n`f"Vdks.k lekIr dj fn;k x;k gSA

[ 101 ]
 oLrqfu"B iz'u
1- jk"V™h; Lrj ij iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-
ih-) dk dk;kZUo;u fdl laxBu }kjk fd;k tkrk gS \
(v) ds-oh-vkbZ-ch- (c) vkj-ch-vkbZ
(l) ukckMZ (n) ,u- ds- oh- vkbZ- lh-
2- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrxZr
ik=rk gsrq vf/kdre vk;q lhek fdruh gS \
(v) 35 o"kZ (c) 60 o"kZ
(l) 18 ls 35 o"kZ] v-tk-@t- tk-] fodykax ] efgykvkas o HkwriwoZ
lSfudkas ds fy, 45 o"kZ
(n) ≈ijh vk;q lhek fu/kkZfjr ug∞ A
3- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrxZr
Ω.k izkIr djus ds fy, vkosnd ml {ks= dk de ls de fdrus o"kZ
ls LFkkbZ fuoklh gksuk pkfg, \
(v) 3 o"kZ (c) 5 o"kZ
(l) ,slk dksbZ izfrcU/k ug∞ (n) mijksDr esa ls dksbZ ug∞
4- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) esa ykHkkFkhZ
dh vk; ------------- okf"kZd ls vf/kd ug∞a gksuh pkfg, \
(v) :- 48]000@& (c) :- 40]000@&
(l) :- 24]000@& (n) ≈ijh vk; lhek ug∞
5- ^iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrZxr
fofuekZ.k (Manufacturing) {ks= esa :- 10 yk[k ls vf/kd dh
ifj;kstuk gsrq ykHkkFkhZ dh 'kSf{kd ;ksX;rk fdruh gksuh pkfg, \
(v) ukSo∞ ikl@Qsy (c) fuj{kj ls ukSo∞
(l) 'kSf{kd ;ksX;rk ekinaM ug∞ gS (n) vkBoha ikl
6- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrZxr
lkekU; Js.kh ds ykHkkFkhZ;kas dks ifj;kstuk ykxr dk fdrus izfr'kr
va'knku (Margin) nsuk gksxk \
(v) 5 (c) 10
(l) 12-5 (n) 15
[ 102 ]
7- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrxZr
O;olk;@ lsok {ks= (Business/ Service Sector) gsrq vf/kdre
fdruh jkf'k dh ifj;kstuk rd Ω.k iznku fd;k tk ldrk gS \
(v) #- 25 yk[k (c) #- 15 yk[k
(l) #- 10 yk[k (n) #- 5 yk[k
8- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrxZr
ik= O;fDr dks fofuekZ.k (Manufacturing) {ks= ds vUrxZr
ifj;kstuk gsrq vf/kdre fdruk Ω.k iznku fd;k tk ldrk gS \
(v) #- 25]00]000@& (c) #- 20]00]000@&
(l) #- 10]00]000@& (n) #- 5]00]000@&
9- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrxZr
vf/kdre LFkxu vof/k (Moratorium Period) fdruh gS\
(v) 6 ekg (c) 12 ekg
(l) 6 ls 18 ekg (n) 18 ekg
10- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrxZr
'kgjh {ks= esa lkekU; Js.kh ds ykHkkFkhZ dks ifj;kstuk ykxr ij
fdl nj ls vuqnku fn;k tk,xk \
(v) 5% (c) 10% (l) 15% (n) 25%
11- iz/kku ea=h jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrxZr
xzkeh.k {ks= esa fo'ks"k Js.kh ds ykHkkFkhZ dks ifj;kstuk ykxr ij
fdl nj ls vuqnku fn;k tk,xk\
(v) 10% (c) 15% (l) 25% (n) 35%
12- ^iz/kku ea=h* jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrZxr
cSd
a vuqnku dh jkf'k dks fdl [kkrs esa j[krk gS \
(v) fjtoZ Q.M [kkrs esa (c) Ω.k [kkrs es
(l) Ω.kh ds uke ls lkof/k tek (n) mijksDr esa ls dksbZ ugha
13- ^iz/kku ea=h* jkstxkj l`tu dk;Zÿe (ih-,e-bZ-th-ih-) ds vUrZxr
fdruh jkf'k ls vf/kd ds Ω.k gsrq lEikf'oZd izfrHkwfr (Collateral
security) yh tk,xh \
(v) :- 5]00]000@& (c) :- 2]00]000@&
(l) :- 1]00]000@& (n) mijksDr esa ls dksbZ ugha

[ 103 ]
14- Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk fdu {ks=kas esa ykxw gSa \
(v) xzkeh.k (c) vºZ'kgjh (l) 'kgjh
(n) xzkeh.k {ks=ksa dks NksM+dj lHkh 'kgjkas] dLckas ,oa vºZ'kgjh {ks=kas esAa
15- Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk ds vUrxZr ik=rk gsrq ykHkkFkhZ
dk ---------------- d{kk rd f'kf{kr gksuk vko';d gSA
(v) 9oha (c) nloha (l) vkBohas
(n) dksbZ U;wure@vf/kdre 'kS{kf.kd Lrj fu/kkZfjr ug∞
16- Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk ds ?kVd 'kgjh efgyk Loa;
lgk;rk dk;Zÿe (UWSP) ds vUrxZr Lo;a lgk;rk lewg gsrq de
ls de fdruh 'kgjh xjhc efgyk,° gksuh pkfg,\
(v) 5 (c) 8
(l) 10 (n) 12
17- Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY) ds ?kVd 'kgjh
Lojkstxkj dk;Zÿe (USEP) ds vUrxZr LOkjkstxkj gsrq vf/kdre
ifj;kstuk ykxr fdruh gks ldrh gS\
(v) #- 1]00]000@& (c) :- 2]00]000@&
(l) :- 5]00]000@& (n) mijksDr esa ls dksbZ ugha
18- Lo.kZ t;Urh 'kgjh jkstxkj ;kstukUrxZr Ω.k dk iquHkqZxrku fdrus
le; esa fd;k tk ldrk \
(v) 3&7 o"kZ (c) 5&10 o"kZ
(l) 1&3 o"kZ (n) mijksDr esa ls dksbZ ughaA
19- LOk.kZ t;arh 'kgjh jkstxkj ;sktuk ds vUrxZr iquHkqZxrku gsrq
fdruh LFkxu vof/k (Moratorium period) nh tk ldrh gS \
(v) 3 ls 6 ekg (c) 3 ls 12 ekg
(l) 6 ls 12 ekg (n) 6 ls 18 ekg
20- Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk ds ?kVd 'kgjh LOkjkstxkj
dk;Zÿe (USEP) gsrq vf/kdre fdruk vuqnku fn;k tk ldrk
gS \
(v) #- 5]000@& (c) :- 15]000@& (l) :- 25]000@&
(n) ifj;kstuk ykxr dk 25% vf/kdre :- 50]000@& izfr ykHkkFkhZA
[ 104 ]
21- Lo.kZ t;Urh xzke Lojkstxkj ;kstuk ds vUrxZr p;fur O;f‰ dks
D;k dgrs gSa \
(v) ykHkkFkhZ (c) Lojkstxkjh
(l) Ω.kh (n) mijksDr esa ls dksbZ ughas
22- Lo.kZ t;Urh xzke Lojkstxkj ;kstuk ds vUrxZr izkIr vkosnu i=ksa
dk fuLrkj.k fdrus le; esa gks tkuk pkfg, \
(v) 7 fnu (c) 10 fnu
(l) 15 fnu (n) mijksDr esa ls dksbZ ugha
23- Lo.kZ t;Urh xzke Lojkstxkj ;kstuk ds vUrxZr ifj;kstuk ykxr
dh vf/kdre lhek fdruh gS \
(v) #- 5]00]000@&
(c) dksbZ ≈ijh lhek ugha gSA bdkbZ ykxr dh vf/kdre lhek
ukckMZ dh {ks=h; lfefr@ ftyk ,lth,lokbZ lfefr }kjk
fu/kkZfjr dh tkrh gSA
(l) #- 1]00]000@& (n) mijksDr esa ls dksbZ ughaA
24- Lo.kZ t;Urh xz k e Lojks t xkj ;ks t uk (SGSY) ds vUrxZ r
#- 25]000@& rd ds Ω.kksa ds fy, fdruk va'knku (Margin) fy;k
tkuk pkfg;s\
(v) ifj;kstuk ykxr dk 30% (c) va'knku vko';d ugha
(l) ifj;kstuk dk 30% (n) mijksDr esa ls dksbZ ugha
25- Lo.kZ t;Urh xzke Lojkstxkj ;kstukUrxZr ftyk xzkeh.k fodkl
izkf/kdj.k (DRDA) }kjk 6 ekg ls vf/kd iqjkus Lo;a lgk;rk
lewgkas (SHGs) dks fjokfYoax Q.M ds :i esa vf/kdre fdruk
vuqnku Lohœr fd;k tk ldrk gS\
(v) ifj;kstuk ykxr dk 25 % (c) :- 10]000@&
(l) Ω.k jkf'k dk 5% (n) :- 20]000@&
26- Lo.kZ t;Urh xzke Lojkstxkj ;kstukUrxZr lkekU; Js.kh ds Ω.kh
dks vf/kdre fdruh vuqnku jkf'k fey ldrh gS\
(v) :- 4]000@&
(c) ifj;kstuk ykxr dk 30 % vf/kdre :- 7]500@&
(l) :- 10]000@&
(n) ifj;kstuk ykxr dk 25% vf/kdre :- 10]000@&
[ 105 ]
27- LOk.kZ t;Urh xzke Lojkstxkj ;kstukUrxZr Lo;a lgk;rk lewg dks
vf/kdre fdruk vuqnku fn;k ldrk gS\
(v) :- 50]000@& (c) :- 1]00]000@&
(l) ifj;kstuk ykxr dk 50%] izfr LOkjkstxkjh vf/kdre :-
10]000@& ;k :- 1-25 yk[k esa ls tks Hkh de gks
(n) mijksDr esa ls dksbZ ug∞
28- Lo.kZ t;Urh xzke Lojkstxkj ;kstuk ds vUrZxr vuqlwfpr tkfr@
tutkfr ds Lojkstxkjh dks vf/kdre fdruk vuqnku fey ldrk
gS \
(v) :- 5]000@& (c) :- 7]500@&
(l) :- 8]000@&
(n) ifj;kstuk ykxr dk 50% vf/kdre :- 10]000@&
29- LOk.kZ t;Urh xzke Lojkstxkj ;kstuk ds vUrZxr flapkbZ ifj;kstukvkas
gsrq vf/kdre fdruh vuqnku jkf'k fey ldrh gS\
(v) ifj;kstuk ykxr dh 30% vf/kdre :- 7]500@&
(c) ifj;kstuk ykxr dh 30% vf/kdre :- 10]000@&
(l) ifj;kstuk ykxr dh 50% vf/kdre dksbZ lhek ug∞ A
(n) mijksDr esa ls dksbZ ug∞
30- Lo.kZ t;Urh xzke Lojkstxkj ;kstuk esa izkIr vuqnku jkf'k dks
'kk[kk ds fdl [kkrs esa j[kk tkrk gS\
(v) lkof/k tek [kkrk
(c) pkyw [kkrs esa lfClMh fjtoZ QaM [kkrk
(l) vuqnku jkf'k Ω.kh dks Ω.k forj.k ds le; Hkqxrku dh tk,xhA
(n) mijksDr esa ls dksbZ ug∞A
31- i'kq/ku ÿ; (Live Stock Purchase) ds ekeykas esa fdruh jkf'k rd
ds Ω.kksa esa chek u djus dh NwV nh tk ldrh gS\
(v) #- 25]000@& (c) #- 10]000@&
(l) chek esa dksbZ NwV ug∞ (n) mijksDr esa ls dksbZ ug∞
32- eSuqvy LdsosUtjkas ds iquokZlu gsrq Lojkstxkj ;kstuk (S.R.M.S)
fdu {ks=ksa esa ykxw gS\
(v) xzkeh.k {ks=kas esa (c) vº'kgjh {ks=kas esa
(l) 'kgjh {ks=kas (n) mijksDr lHkh {ks=ksa esAa
[ 106 ]
33- eSuqvy LdsosUtjksa ds iquokZlu gsrq Lojkstxkj ;kstuk (S.R.M.S)
ds vUrxZr vf/kdre vk;q lhek fdruh gS \
(v) 25 o"kZ (c) 35 o"kZ
(l) 50 o"kZ (n) ≈ijh vk;q lhek fu/kkZfjr ugha
34- eSuqvy LdsosUtjkas ds iquokZlu gsrq Lojkstxkj ;kstuk (S.R.M.S)
ds vUrZxr ifj;kstuk dh vf/kdre ykxr fdruh gks ldrh gSa \
(v) :- 50]000@& (c) :- 1]00]000@&
(l) :- 5]00]000@& (n) mijksDr esa ls dksbZ ug∞
35- eSuqvy LdsosUtjksa ds iquokZlu gsrq Lojkstxkj ;kstuk (S.R.M.S)
ds vUrxZr Ω.kh dks fdruk vuqnku fey ldrk gS \
(v) ifj;kstuk ykxr dk 15 %
(c) #- 25]000@&
(l) ifj;kstuk ykxr dk 50 % U;wure :- 12]500@& ,oa
vfËkdre #- 20]000@&
(n) mijksDr esa ls dksbZ ugha
36- eSuqvy LdsosUtjksa ds iquokZlu gsrq Lojkstxkj ;kstuk(S.R.M.S) ds
vUrxZr iq:"kksa gsrq #- 25]000 ls vf/kd dh ykxr dh ifj;kstukvksa
ij C;kt nj fdruh gksxh \
(v) 4 izfr'kr (c) 5 izfr'kr
(l) 6 izfr'kr (n) 7 izfr'kr
37- eSuqvy LdsosUtjksa ds iquokZlu gsrq Lojkstxkj ;kstuk (S.R.M.S)
ds vUrxZr D;k lEikf'Zod izfrHkwfr ysus dk izko/kku gS\
(v) ugha (c) gk°
q y LdsoUs tjksa ds iquokZlu gsrq Lojkstxkj ;kstuk (S.R.M.S) ds
38- eSuv
vUrxZr Ω.k ds iquHkZx q rku dh vf/kdre vof/k fdruh gks ldrh gS \
(v) 10 o"kZ (c) 9 o"kZ
(l) 7 o"kZ (n) 5 o"kZ
39- eSuqvy LdsosUtjksa ds iquokZlu gsrq Lojkstxkj ;kstuk (S.R.M.S) ds
vUrxZr D;k ,d gh ifjokj ds lHkh lnL; i`Fkd :i ls Ω.k ysus
ds fy, ik= gks ldrs gS\a
(v) gk° (c) ug∞
[ 107 ]
40- eSuqvy LdsosUtjkas ds iquokZlu gsrq Lojkstxkj ;kstuk (SRMS) ds
vUrZxr D;k ifjokj ds fdlh lnL; ds pwddrkZ gksus ds ckotwn
ifjokj ds vU; lnL; ik= cus jgsx a s\
(v) gk° (c) ug∞
41- foHksnd C;kt nj ;kstuk ds vUrxZr ik=rk gsrq 'kgjh {ks= ds
ykHkkFkhZ dh vfËkdre vk; fdruh gksuh pkfg,\
(v) :- 50]000@& ls de (c) :- 25]000@& ls de
(l) :- 24]000@& ls de (n) :- 20]000@& ls de
42- foHksnd C;kt nj (DRI) ;kstuk ds vUrxZr vkokl gsrq vf/kdre
fdruk Ω.k fn;k tk ldrk gSA
(v) :- 6]500@& (c) :- 15]000@&
(l) :- 20]000@& (n) :- 25]000@&
43- foHksnd C;kt nj ;kstuk ds vUrxZr iquHkqxZrku dh vf/kdre
vof/k fdruh gSAa
(v) 3 o"kZ (c) 5 o"kZ
(l) 7 o"kZ (n) 9 o"kZ
44- foHksnd C;kt nj ;kstuk ds vUrZxr nh xbZ dqy Ω.k jkf'k dk fdrus
izfr'kr v-tk-@ t-tk- ds ykHkkFkhZ;kas dks fn;s tkus dk y{; j[kk
x;k gS\
(v) 18 (c) 25
(l) 33 (n) 40
45- foHksnd C;kt nj ;kstuk ds vUrZxr 'kgjh@ vºZ'kgjh 'kk[kkvkas dks
izR;sd frekgh esa fdrus nLrdkjkas dks Ω.k nsus dk y{; j[kk x;k gS\a
(v) 3 (c) 5
(l) 7 (n) 10
mŸkjekyk
1- n 2- n 3- l 4- n 5- n 6- c 7- l 8- v 9- c 10- l
11- n 12- l 13- v 14- n 15- n 16- v 17- c 18- v 19- n 20- n
21- c 22- l 23- c 24- c 25- n 26- c 27- l 28- n 29- l 30- c
31- l 32- n 33- n 34- l 35- l 36- l 37- v 38- n 39- v 40- v
41- l 42- l 43- c 44- n 45- c
[ 108 ]
 y?kq mŸkjh; iz'u
izå1 Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY) ds varxZr Ω.k
LOkhœfr gsrq ifjokj dh okf"kZd vk; fdruh gksuh pkfg,\
må xjhch js[kk dh lhek ls uhps (BPL), ;kstuk vk;ksx }kjk
le;&le; ij ?kksf"kr vk; ds vuqlkj A
izå2 Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY) ds ?kVd 'kgjh
efgyk lgk;rk dk;Zÿe (UWSP) ds vUrZxr Lojkstxkj gsrq
vfËkdre ifj;kstuk ykxr fdruh gks ldrh gS \
må dksbZ vf/kdre lhek fu/kkZfjr ug∞
izå3 Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY) ds varxZr ykHkkFkhZ
dks fdruk va'knku (ekftZu) nsuk gksrk gS \
må 5%
izå4 D;k Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY) ds varxZr Ω.k
LOkhœr djus gsrq lEif'oZd izfrHkwfr ysrs gSa \
må lEikf'oZd izfrHkwfr ysus dh vko';drk ug∞] cSd a Ω.k ls ÿ;
vkfLr;kas dk vkM+eku@ ca/kd@ fxjoh j[kk tkrk gSA
izå5 Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY) ds ?kVd 'kgjh
efgyk Lo;a lgk;rk dk;Zÿe (UWSP) ds varxZr fdruk vuqnku
(Subsidy) fn;k tk ldrk gS \
må ifj;kstuk ykxr dk 35%] vf/kdre #- 3 yk[k ;k :- 60]000@&
izfr ykHkkFkhZ] tks Hkh de gksA
izå6 Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk (SJSRY) ds ?kVd 'kgjh
Lojkstxkj dk;Zÿe (USEP) ds varxZr efgykvkas o fodykaxkas
ds fy, fdruk vkj{k.k gS \
må efgykvkas dks 30%] ,oa fodykaxkas dks 3% A
izå7 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY) dk ewy mÌs';
D;k gS \
må LOkjkstxkfj;kas dks xjhch js[kk ls ≈ij mBkukA
izå8 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY) ds vUrZxr ykHkkFkhZ
dh f'k{kk dk Lrj fdruk gksuk pkfg, \
må U;wure ,oa vf/kdre Lrj fu/kkZfjr ug∞ A
[ 109 ]
izå9 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY) esa Ω.kh ls fdruk
va'knku (ekftZu) fy;k tkrk gSA
må dqN Hkh ug∞] cSd
a foŸk vkSj vuqnku dh jkf'k feykdj ifj;kstuk
ykxr ds cjkcj gksrh gSA
izå10 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY) ds vUrxZr
Lojkstxkjh dh izkœfrd e`R;q gksus ij ukferkas dks lewg thou
chek ;kstuk esa vf/kdre fdruh jkf'k fey ldrh gS \
må :- 6]000@&
izå11 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY) ds vUrxZr ykHkkFkhZ@
LOkjkstxkjh dh nq?kZVuk esa e`R;q gksus ij ukferkas dks lewg thou
chek ;kstuk esa vf/kdre fdruh jkf'k fey ldrh gS\
må :- 12]000@&
izå12 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY) ds vUrxZr xfrfofËk
dk p;u djus dh ftEesnkj fdldh gksrh gS \
må [k.M Lrjh; Lo.kZ t;arh xzke Lojkstxkj ;kstuk lfefrA
izå13 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk (SGSY) ds vUrZxr r;
xfrfof/k;kas dh lwph esa fdlh xfrfof/k dks tksM+us vFkok gVkus
ds fy, dkSu vf/kœr gS \
må ftyk Lrjh; Lo.kZ t;arh xzke Lojkstxkj ;kstuk lfefrA
izå14 D;k Lo.kZ t;arh xzke Lojkstxkj ;kstuk (SGSY) ds fÿ;kUo;u
gsrq lsok {ks= n`f"Vdks.k ekuuk vko';d gS \
må gk° A
izå15 eSuqvy LdsosUtjkas ds iquokZlu gsrq Lojkstxkj ;kstuk (SRMS)
ds vUrxZr efgykvkas gsrq :- 25]000@& rd ykxr dh
ifj;kstukvkas ij C;kt nj fdruh gksxh \
må 4%

[ 110 ]
 12. dEI;wVj % lkekU; Kku
dEI;wVj D;k gS \
;g ,d izdkj dh cgqmi;ksxh bysDV™kWfud e'khu gS ftlds }kjk ge
Vkbfiax] x.kuk,a (dSydqysVj)] Vh-oh- rFkk cSd
a esa ys[kk vkfn dk dk;Z dj
ldrs gSAa blesa Lo;a dh dksbZ ckSfºd {kerk ugha gksrhA bls ge fofHkÈk
funsZ'kksa (dek.Ml) ds ek/;e ls lapkfyr djrs gSAa
vU; fo'ks"krk,aµ
1- ;g rst xfr ls dke djrk gSA
2- bldh x.kukvksa esa 'kqºrk gksrh gSA
3- blesa 24 ?kaVs 365 fnu dke djus dh {kerk gksrh gSA
4- bldh MkVk laxzg.k {kerk (Storage Capacity) dkQh vf/kd gksrh gSA
MkVk laxzg.k {kerk dks ckbV] fdyks ckbV] esxk ckbV] xhxk ckbV] VsjkckbV
vkfn esa vkadk tkrk gSA
dEI;wVj dk bfrgkl
1946 esa fo'o dk igyk dEI;wVj ,fu,d (ENIAC) vesfjdk esa
cukA ftldh dher ml le; yxHkx 4 yk[k MkWyj FkhA vc rd dEI;wVj
dh pkj ihf<+;k° vk pdh gSa %
igyh % 1946] nwljh % 1960] rhljh % 1970] pkSFkh % 1980
ENIAC — Electronic Numeral Indicator and Counter

dEI;wVj ds izdkj
dEI;wVj rhu izdkj ds gksrs gSµ a (i) ,ukykWx] (ii) fMthVy] (iii) gkbfczM
cSd
a ksa esa fMthVy dEI;wVjksa dk iz;ksx gksrk gSA fMthVy dEI;wVj ds dqN
izdkj fuEu gSµ a
MsLdVkWi ih-lh- % dk;kZy;] ?kj vkfn esa lkekU;r;k bUgha dk iz;ksx
gksrk gSA
ySiVkWi ih-lh- % ;s vkdkj esa NksVs gksrs gSa vkSj vklkuh ls dgha Hkh ys
tk, tk ldrs gSAa ge budk iz;ksx viuh lqfo/kkuqlkj
vius lkFk ys tkdj dgha Hkh viuh xksn esa j[kdj dj
ldrs gSAa
ike VkWi ih-lh- % ;s dEI;wVj vkdkj esa brus NksVs gksrs gSa fd bUgsa ge
vklkuh ls viuh iSVa ;k 'kVZ dh tsc esa Hkh j[k ldrs gSAa
[ 111 ]
 dEI;wVj ds Hkkx
1- lh-ih-;w-] 2- buiqV fMokbl] 3- vkmViqV fMokbl
lh-ih-;w- (lS.V™y izkslsflax ;wfuV)µblesa gkMZfMLd] enjcksMZ] izkslslj
vkfn yxs gksrs gSAa
buiqV fMokbl% dh&cksMZ] ekml vkfn bl Js.kh esa vkrs gSAa budh lgk;rk
ls MkVk QhM fd;k tkrk gS ,oa fofHkUu izdkj dh dek.Ml (funsZ'k) nsdj
dEI;wVj ds lapkyu dk dk;Z fd;k tkrk gSA
vkmViqV fMokbl% ekWuhVj] fizVa j vkfnA ekWuhVj ij dEI;wVj }kjk fd,
tk jgs@ fd, x, dk;Z dks ns[kk tk ldrk gS rFkk fizVa j fd, x, dk;Z dks
dkxt ij NikbZ dj gkMZ dkWih ysus ds dke vkrk gSA
eseksjh % dEI;wVj dh eseksjh nks izdkj dh gksrh gSµ
(i) jse (RAM – jsUMe ,Dlsl eseksjh)
(ii) jkse (ROM – jhM vkWuyh eseksjh)
dEI;wVj ds iz;ksx ,oa ykHk
cSfa dax {ks= esaµcSfa dax {ks= esa dEI;wVjksa dk O;kid iz;ksx gks jgk gS
budh lgk;rk ls xzkgdksa ds leLr cSfdax ,oa vU; dk;Z lqxerk ls 'kh?kzrk
iwoZd ,oa 'kqºrk ls fd, tk jgs gSa tSls xzkgdkas ds [kkrs [kksyuk] [kkrkas ds
ysunsukas dk fjdkMZ j[kuk] mu ij C;kt dh x.kuk djuk [kkrkas dh cSysfa lax
djuk] fe;knh tekvkas dk Lor% uohuhdj.k] osru ,oa iS'a ku dh x.kuk
djuk] ,-Vh-,e-] bUVjusV cSfdax] eksckbYk cSfdax] VSyh cSfdax vkfn lsok,a
iznku djuk] xzkgdkas ,oa 'kk[kkvkas@ dk;kZy;kas dks bZ&esy] ,l-,e-,l- }kjk
lans'k Hkstuk ,oa izkIr djuk vkfnA
ykHkµ xzkgdkas ds dk;ks± dk 'kh?kz fuiVku] x.kUkkvkas esa 'kqºrk] ikl&cqdkas
,oa [kkrkas ds fooj.kkas esa Li"V izfof"V;k°] /kks[kk/kM+h ,oa tkylkth dh
laHkkoukvkas esa deh] lans'kkas dk 'kh?kz vknku&iznkuA
vU; {ks=kas@ dk;kZy;ksa esaµjsy@ gokbZ ;k=k fVdV cqfdax] ifjogu]
ekSle lEcU/kh Hkfo";ok.kh] lapkj] LOkkLF;] NikbZ] fMtkbfuax] m|ksxkas]
f'k{kk ernku] tUei=h rS;kj djus vkfn esAa laf{kIr esa thou ds gj {ks=
esa dEI;wVj dk iz;ksx fnukas fnu c<+rk gh tk jgk gSA
cSda esa iz;ksx gksus okys fiazVjksa ds ukeµykbu fizVa j] ystj fizVa j]
badtsV fizVa j] MkWVeSfV™Dl fizVa j] ikl cqd fizVa j] vkbZvksvkbZ (M™k∂V@ cSd
a lZ
pSd) rFkk VhMhvkj fiazVj vkfnA
[ 112 ]
 dEI;wVj % dqN rF;
1- ekWuhVj ,oa fizVa j vkmViqV fMokbl (lk/ku) gSA
2- ∂ykih] lh-Mh-] Mh-oh-Mh-] isu M™kbo] MsV] gkMZfMLd] gkbZ M™kbo] vkfn
LVksjst fMokblsa gSAa bUgsa lSds.M™h eseksjh LVksjst fMokblsa Hkh dgrs gSAa
3- izkslslj dEI;wVj dk fny dgykrk gSA
4- gkMZos;j % dh&cksMZ] ekml] lh-ih-;w-] ekWuhVj] fizVa j] LdSuj vkfn]
ftUgas ge Nwdj eglwl dj ldrs gSA
5- lkW∂Vos;j % dEI;wVj ds dk;Z djus gsrq funsZ'k (izksxzke)A
6- cwfVax og izfÿ;k gS] ftlds }kjk dEI;wVj dk;Z djus ds fy, rS;kj (pkyw) gks
tkrk gS rFkk blh nkSjku dh&cksMZ ekml vkfn ih-lh- ls tqM+ tkrs gSAa
7- MkVk % dEI;wVj esa vkadM+ks]a lwpukvksa ,oa rF;ksa dk ladyu gSA
dEI;wVj dh laxzg.k {kerk (Storage Capacity)
ekius dh bdkb;k°
1- fcV
2- ckbZV
3- ds-ch- % fdyks ckbV
4- ,e-ch- % eSxk ckbV
5- th-ch- % xhxk ckbV
6- Vh-ch- % VSjk ckbV
dEI;wVj dh xfr (Speed) ekius dh bdkb;k°
1- ds-ch-ih-,l- % fdyks ckbV ij lSd.M
2- ,e-ch-ih-,l- % eSxk ckbV ij lSd.M
3- th-ch-ih-,l- % xhxk ckbV ij lSd.M
dEI;wVj dh eSeksjh ukius dh bdkbZ;k° ,oa muds lEcU/k
,d ckbV æ 8 fcV
,d fdyks ckbV (ds-ch-) æ 1024 ckbV
,d esxk ckbV (,e-ch-) æ 1024 fdyks ckbV
,d xhxk ckbV (th-ch-) æ 1024 esxk ckbV
,d Vsjk ckbV (Vh-ch-) æ 1024 xhxk ckbV

[ 113 ]
 bUVjusV (Internet)
fofHkUu dEI;wVjksa dks VsyhQksu ykbu }kjk vkil esa bl izdkj tksM+
fn;k tkrk gS fd os ,d&nwljs dks lwpukvks@a lans'kks@a vkadM+ksa vkfn dk
'kh?kzrk ,oa vklkuh ls vknku&iznku dj ldrs gSAa bl izdkj vkil eas
,d&nwljs ls ,sls tqM+s gq, dEI;wVjksa dk tky bUVjusV dgykrk gS A
bUVjusV dk iz;ksx dEI;wVj ds ek/;e ls lwpuk,°] vk°dM+s] lans'k (bZ&esy)
vkfn Hks t us gs r q fd;k tkrk gS A iw j s fo'o es a bUVjus V dk tky
(usVodZ) QSyk gqvk gSA vkt ;g tu lk/kkj.k ds iz;ksx esa vkus yxk gSA
bldh lgk;rk ls ,d lkekU; O;f‰ Hkh tkudkjh@ lwpukvksa ds HkaMkj
rd vklkuh ls 'kh?kzrk iwoZd igq°p ldrk gSA
ch-,l-,u-,y-] ,e-Vh-,u-,y- ,oa izkbosV lapkj dEifu;k° tSls&
oksMkQksu] ,;jVsy] fjyk;al] ;wuhuksj] ,;jlsy vkfn lLrh njksa ij bUVjusV
miyC/k djokdj Hkkjr esa bUVjusV ds iz;ksx dks c<+kus esa lgk;rk ns jgh
gSAa ubZ ih<+h dk baVjusV dh vksj :>ku fnukas fnu c<+rk gh tk jgk gSA
ykHk% bUVjusV }kjk bZ&esy (lans'k) 'kh?kzrk ls Hksts vkSj izkIr fd, tk
ldrs gSAa blls ,d LFkku ls nwljs LFkku ij vkadM+s Hkstuk ljy gks x;k gSA
cSfdax m|ksx esa bUVjusV dk iz;ksx %
1- cSd
a ksa us bUVjusV rduhdh dk O;kid iz;ksx dj viuh lHkh 'kk[kkvkas]
fofHkUu izkslsflax bdkb;kas] ,Vh,ekas ,oa dk;kZy;kas dks vkil esa tksM+ fn;k
gS ftlls cSd a ksa dks viuk dk;Z 'kh?kzrk ls ,oa lqxerk iwoZd djus esa enn
feyh gSA
2- cSda kas }kjk dksj cSfa dax] ,Vh,e] baVjusV cSfa dax] eksckby cafS dax vkfn
gsrq baVjusV rduhdh dk gh iz;ksx fd;k tk jgk gS] ftlls cSd a kas dk dke
vklku gks x;k gS vkSj os xzkgdkas dks fofHkUu izdkj dh cafS dax lsok,a vkSj
osY;w ,MsM lsok,a xzkgdkas dh lqfo/kkuqlkj miyC/k djok jgs gSAa
3- bUVjusV rduhd dk iz;ksx dj vc cSd a 'kgjkas ds lkFk&lkFk xzkeh.k
{ks=kas esa Hkh viuh igq°p cuk jgs gS vkSj vf/kdkf/kd xzkgdksa rd igq°pdj
mUgas csgrj] 'kh?kz ,oa =qfVjfgr lsok,a nsus esa l{ke gks x, gSAa

[ 114 ]
 y?kqmŸkjh; iz'u
izå1 fo'o ds igys dEI;wVj dk uke D;k Fkk \
må ,suh,sd (ENIAC—Electronic Numeral Indicator and Counter)
izå2 isfUV;e D;k gS \
må ekbÿksizkslslj fpi
izå3 ^ykWxbu* ls D;k rkRi;Z gS \
må dEI;wVj 'kq# djuk@ fdlh izksxzke esa izfo"V djuk
izå4 ^ykWxvkmV* dk D;k vFkZ gS \
må dEI;wVj@ izksxzke ls ckgj vkuk
izå5 dEI;wVj }kjk Nkis x;s dkxt dks D;k dgrs gSa \
må gkMZ dkWih
izå6 lkW∂V dkWih D;k gS \
må vkadM+ks]a lwpukvkas] rF;kas] nLrkostkas] izksxzkekas] lkW∂Vos;jkas vkfn
dh dEI;wVj dh gkMZ fMLd@ ∂ykWih@ lh-Mh-@ isu M™kbo@ MsV@ gkMZ
M™kbo vkfn esa bysDV™kWfud :i esa lqjf{kr izfr (dkWih)A
izå7 cSdvi D;k gS \
må dEI;wVj esa fd, x, dk;Z vFkok laxzghr vkadM+ksa dks gkMZ fMLd]
∂ykWih] lh-Mh-] MsV] iSu M™kbo] gkMZ M™kbo vkfn (ek/;e) esa
bysDV™kWfud izfr ds :i esa Hkfo"; esa lanHkZ gsrq lqjf{kr j[k ysukA
izå8 dlZj fdls dgrs gSa \
må ,d rhj dk fu'kku tks ekml }kjk dEI;wVj dks dek.M nsus@
pykus esa lgk;d gksrk gSA
izå9 MkVk ls vki D;k le>rs gSa \
må dEI;wVj esa vkadM+ks]a lwpukvksa ,oa rF;ksa vkfn dk ladyuA
izå10 ehuw ls D;k rkRi;Z gS \
må vyx&vyx izdkj ds ysu nsuks@a dk;Zdykiksa ds fy, fofHkÈk izksxzkeksa
esa tkus gsrq fu'kkuA
[ 115 ]
izå11 dEI;wVj esa Le`fr dks"k (eseksjh cSd
a ) D;k gS \
må gkMZ fMLdA
izå12 ekWuhVj D;k gS \
må ;g vkmViqV fMokbl gS] Vh-oh- tSlk fn[kus okyk Lÿhu ftl ij
dEI;wVj }kjk fd, tk jgs lkjs dk;Z dyki iznf'kZr gksrs gSAa
izå13 dh&cksMZ esa fdrus cVu gksrs gSa \
må lkekU;r% 104 (vyx&vyx izdkj ds dh&cksMks± esa cVuksa dh
la[;k vyx&vyx gksrh gS)A
izå14 gkMZos;j fdls dgrs gSa \
må dEI;wVj ds os Hkkx ftUgsa ge ns[kdj ,oa Nwdj eglwl dj ldrs gSAa
izå18 lkW∂Vos;j D;k gksrk gS \
må og izksxzke ftlesa lafpr funsZ'kkuqlkj dEI;wVj dk;Z djrk gSA
izå16 ,Ldsi (Esc) cVu fdl dk;Z gsrq iz;ksx fd;k tkrk gS \
må fdlh Qkby@ dk;Zÿe ls ckgj fudyus gsrq ,Ldsi cVu nck;k
tkrk gSA
izå17 dh&cksMZ esa dSIl ykWd (Caps Lock) cVu fdl dke esa vkrk gS\
må Vkbi fd, tkus okys v{kjksa dks LekWy ySVj (Small Letter) ls dSihVy
ySVj (Capital Letter) esa cnyus ;k blds foijhr dk;Z gsrqA
izå19 ekWMe D;k dk;Z djrk gS \
må ekMe (MODEM) 'kCn eksM~;wysVj (MOdulator) ,oa Mh&
eksM~;wysVj (DEModulator) nks 'kCnksa dk laf{kIr :i gSA ekMe
fMftVy ladsrksa (flXuy) dks ,ukykWx vkSj ,ukykWx ladsrksa dks
fMftVy ladsrksa esa ifjofrZr djus dk dk;Z djrk gSA
izå20 MsV (DAT) D;k gS] bldk iz;ksx fdl dk;Z gsrq fd;k tkrk gS \
må MsV (DAT) fMftVy vkdhZOM Vsi dk laf{kIrk{kj (Abbreviation)
gSA bldk iz;ksx vkadM+ks@a lwpukvksa ds laxzg.k (cSdvi ysus) gsrq
fd;k tkrk gSA
izå21 ue ykWd fdl dke esa vkrk gS \
må dh&cksMZ dk ,d cVu tks eq[; dh iSM ds nkfguh vksj gksrk gS] ue
ykWd dks nckus ls la[;k Vkbi djus okys cVuksa dks dk;Z gsrq pkyw@
can fd;k tk ldrk gSA
[ 116 ]
izå22 osY;w MsV dk D;k vFkZ gS \
må fiNyh frfFk ls x.kuk djukA
izå23 dh&cksMZ dh igyh (≈ijh) ykbu esa fdrus cVu gksrs gSa \
må 16
izå24 ckbujh iz.kkyh D;k gS \
må 2 vadksa ;Fkk 0 ,oa 1 }kjk lHkh leadksa dks O;‰ djukA
izå25 lkW∂Vos;j dk D;k dk;Z gS \
må iwoZ fu/kkZfjr dk;Zÿekuqlkj dEI;wVj dks dne nj dne (LVsi ckbZ
LVsi) funsZ'k nsukA
izå26 orZeku esa iz;q‰ ∂ykWih dk lkbt D;k gksrk gS \
må 3½" × 3½"
izå27 dEI;wVj dh {kerk fdl iqtsZ (instrument) ij fuHkZj gksrh gS \
må ekbÿksizkslslj] bls dEI;wVj dk fny Hkh dgrs gSAa
izå28 dEI;wVj D;k gS \
må rhoz xfr ls x.kuk,a djus esa l{ke e'khu@ ;a=A
izå29 orZeku esa dEI;wVjkas dh dkSu&lh ih<+h (Generation) py jgh
gS \
må pkSFkh
izå30 dEI;wVj dh xfr (LihM) dks ukius dh bdkbZ D;k gS \
må ds-ch-ih-,l-@ ,e-ch-ih-,l-@ th-ch-ih-,l vkfn
izå31 cwfVax D;k gS \
må dEI;wVj dks dk;Z djus gsrq pkyw djus dh izfÿ;k dks cwfVax dgrs gSA
izå32 dEI;wVj@ VfeZuyksa dk eq[; dsUÊ] ftlls lHkh dEI;wVj tqM+s gksrs
gS]a D;k dgykrk gS \
må loZj
izå33 dEI;wVj ds izksxzke fdu funsZ'kksa ls dk;Z djrs gSa \
må lkW∂Vos;j ds LVsi ckbZ LVsi funsZ'kA
izå34 dEI;wVj dh eseksjh gsrq iz;q‰ bdkbZ;k° dkSu&dkSu lh gSa \
må 0 rFkk 1
[ 117 ]
izå35 MkVk os;j gkmflax ls vki D;k le>rs gSa \
må vkadM+ks@a lwpukvksa ,oa rF;ksa dks ,df=r dj lqjf{kr j[kuk MkVk
os;j gkmflax dgykrk gS
izå36 LdSuj fdl dke vkrk gS \
må gLrk{kj] pSd] nLrkostkas vkfn dh bysDV™kWfud QkeZ (:i) esa Nfo
(image)/ fp= izkIr djus gsrqA
izå37 dEI;wVj esa fdrus izdkj dh eseksjh gksrh gS \
må 1- vkj-,-,e- (js.Me ,Dlsl eseksjh)
2- vkj-vks-,e- (jhM vkWuyh eseksjh)
izå38 ,Dlsy D;k gS \
må ,Dlsy foaMkst esa ,d izksxzke gS] tks vkadM+ksa dks ,df=r dj 'kh?kz
x.kuk djus ds dke vkrk gSA
izå39 ;w-ih-,l- fdl dk;Z gsrq iz;ksx fd;k tkrk gS \
må ;w-ih-,l-&vubUVjIVsM ikoj lIykbZ flLVe] ;g dEI;wVj] fizVa j
vkfn midj.kkas dks fcuk vojks/k yxkrkj fctyh dh vkiwfrZ
(Supply) tkjh j[kus gsrq iz;ksx esa yk;k tkrk gSA
izå40 vkbZdkWu dk D;k vFkZ gS \
må fpUg] izrhd ;k Nfo
izå41 dh&cksMZ esa Lisl ckj fdl dke vkrh gS \
må nks 'kCnksa ds chp txg NksM+us ds fy,
izå42 lh-ih-;w- ds fofHkUu Hkkx dkSu&dkSu ls gSa \
må ,-,y-;w-] esu eSeksjh] enj cksMZ] daV™ksy ;wfuV vkfn
izå44 dEI;wVj dh eSeksjh ukius dh bdkbZ;k° ,oa muds lEcU/k crkb;sA
må ,d ckbV æ 8 fcV
,d fdyks ckbV (ds-ch-) æ 1024 ckbV
,d esxk ckbV (,e-ch-) æ 1024 fdyks ckbV
,d xhxk ckbV (th-ch-) æ 1024 esxk ckbV
,d Vsjk ckbV (Vh-ch-) æ 1024 xhxk ckbV
[ 118 ]
izå45 dEI;wVj ds vfo"dkjd (tud) dkSu gSa \
må pkYtZ oSct
S
izå46 lkW∂Vos;j ds dksbZ nks mnkgj.k nhft,A
må QksDlizks] foaMkst] vkWjd
s y] cSDa l&24] Qkbusl
a ou] Vs™M Qkbusl
a
fQusdy vkfnA
izå47 lh-ih-;w- dks vU; fdl uke ls Hkh tkuk tkrk gS \
må dEI;wVj dk fny
izå48 bUVjusV dk vkfo"dkj fdlus vkSj dc fd;k Fkk \
må bUVjusV dk vkfo"dkj fy;ksukMZ us lu~ 1969 esa fd;k Fkk
izå49 i= fy[kus ds fy, fdl izksxzke dk iz;ksx fd;k tkrk gS \
må ,e-,l-oMZ
izå50 ekml esa fdrus cVu gksrs gSa \
må 2
izå51 dEI;wVj ds gSx
a gksus dk D;k rkRi;Z gS \
må dk;Z djrs&djrs dEI;wVj dk ,d izdkj ls :d lk tkuk ftlls
mls vkxs fn, tkus okys funsZ'k@ dek.M~l dk;Z ug∞ djrs gSAa
izå52 dEI;wVj esa feVkbZ xbZ (fMyhV dh xbZ) Qkbysa dgk° pyh tkrh gSa \
må fjlkbfdy fcu esa
izå53 isfUV;e D;k gS \
må ;g ,d ekbÿksizkslslj fpi gS
izå54 bZ&esy D;k gS \
må dEI;wVj ds ek/;e ls lans'k@ i=@ lwpuk,a Hkstus dk rjhdkA
izå55 baVjusV ls D;k rkRi;Z gS \
må tc nwj&nwj fLFkr nks ;k vf/kd dEI;wVjksa dks VsyhQksu ykbu }kjk
bl izdkj tksM+ fn;k tk, fd os ,d nwljs dks bysDV™kWfud ek/;e
ls lans'kks]a lwpukvkas] vk°dM+ksa vkfn dk vknku&iznku dj ldsAa
izå56 gkse ist D;k gS \
må fdlh Hkh cso lkbZV dk izeq[k (igyk) ist gkse ist dgykrk gSA
[ 119 ]
 13. dEI;wVj % dh&cksMZ
dEI;wVj ds ftl midj.k }kjk ge lh-ih-;w- (lS.V™y izkslsflax ;wfuV)
esa izkslsl fd;s tkus ds fy;s lans'k Vkbi djrs ga]S og lh-ih-;w- ds lkFk tqM+k
gqvk dh&cksMZ gksrk gSA bl ij ge viuh vaxqfy;ksa }kjk vyx&vyx
a h@ cVu (Key/ Button) nckdj dksbZ vkns'k (Command) ;k MkVk
dqt
Vkbi djrs gS tks dqN Hkh ge Vkbi djrs gS] ;fn og fn[kkus yk;d gksrk gS
rks Vkbi djus ds lkFk gh Lÿhu ij izdV gks tkrk gSA vkns'k ;k MkVk iwjh
rjg Vkbi gks tkus ij ,d fo'ks"k cVu ,.Vj dh (Enter Key) dkss nckdj
ml vkns'k ;k MkVk dks ih-lh- esa Hkst fn;k tkrk gSA dh&cksMZ dh lgk;rk
ls gh ge dEI;wVj dh lHkh 'kfDr;ksa vkSj {kerkvksa dk iz;ksx dj ldrs gSA
dh&cksMZ vyx&vyx rjg ds ihlh vkSj mudks cukus okyh dEiuh
ds vuqlkj dbZ rjg ds gksrs gSA eq[; :i ls rhu izdkj ds dh&cksMZ
miyC/k gSµ
a 101 dqfa t;ksa okyk] 104 dqfa t;ksa okyk vFkok 107 dqfa t;ksa
okykA bu cVuksa dks dk;Z ds vuqlkj dbZ lewgksa esa ck°Vk x;k gSA gj lewg ;k
eq[;&eq[; cVuksa dk ifjp; fuEuor~ gS %
(d) eq[; dh&cksMZ (Main Key-Board) %
;g ,d lk/kkj.k vaxzsth VkbijkbVj ds dh&cksMZ tSlk gksrk gSA blesa
vaxzsth (jkseu fyfi) ds lHkh o.kkZ{kj (Alphabet)] vad (Numbers)] dqN
fo'ks"k fpUg (Special characters)] fojke fpUg rFkk nks f'k∂V dqfa t;ka
gksrh gSAa lHkh dh&cksMks± esa eq[; dh&cksMZ yxHkx ,d tSlk gh gksrk gSA

fp= % dh&cksMZ
[ 120 ]
([k) QaD'ku dqfa t;ka (Function Keys) %
bu cVuksa ij F1 ls F12 rd vafdr gksrs gSAa dqN dh&cksMks± esa 20
QaD'ku dqfa t;ka Hkh gksrh gSAa ;s cVu okLro esa ,d iwjs vkns'k (Command)
ds cjkcj gSAa bu lc esa ,d ,d ,slk vkns'k Hkj fn;k tkrk gS] ftldh gesa
ckj&ckj t:jr iM+rh gSA dbZ dh&cksMks± esa ;s vkns'k igys ls Hkjs gksrs gS]a
ftudks cnyk ugha tk ldrk] ysfdu T;knkrj dh&cksMksZ esa ge viuh
bPNk ls dksbZ Hkh vkns'k Hkj ldrs gS vkSj tc pkgs]a cny Hkh ldrs gSA
budk mi;ksx izk;% dEI;wVj ij ml le; py jgs izksxzke ij Hkh fuHkZj
djrk gSA nwljs 'kCnksa esa vyx&vyx izksxzkeksa ds fy, budk vyx&vyx
mi;ksx gksrk gSA
bu cVuksa dks iz;ksx djus ls gekjk dkQh le; cp tkrk gSA mnkgj.k
ds fy,] eku yhft, fd gesa dksbZ dke ckj&ckj djuk iM+rk gS] mldk
,d rjhdk rks ;g gS fd mlds fy, vkns'k gj ckj Vkbi fd;k tk,A blesa
le; rks yxrk gh gS] xyfr;ka gksus dk Mj Hkh jgrk gS] ftlesa vkSj T;knk
le; [kjkc gksrk gSA vxj ge ml vkns'k dks fdlh QaD'ku dqt a h esa Hkj ns
rks dsoy ,d ckj og dqt a h nckus ls vkns'k lh-ih-;w- dks pyk tk,xk vkSj
ml vkns'k dk ikyu 'kq: gks tk,xkA

(x) la[;kRed dh&iSM (Numeral Key-Pad) %

dh&cksMZ ds nk,a Hkkx esa dsYdqysVj dh Hkkafr ,d dqt
a h&lewg gksrk gS
ftlesa 0 ls 9 rd ds lHkh vad] n'keyo fcUnq (-)] /ku ($)] Ω.k (&)] xq.kk
(×)] Hkkx (/) vkfn cVu Hkh gksrs gSAa dqN cVuksa ij vad ds uhps dqN vkSj
Hkh Nik gksrk gS] tSls 1 okys cVu ij End, 2 okys cVu ij ↓ (uhps dh
vksj tkus okys rhj dk fp ) vkfnA
bl lewg ds cVuksa ls la[;kRed MkVk Hkjus dk dk;Z fd;k tkrk gS]
ge dEI;wVj esa tks MkVk Hkjrs gS]a muesa 90 izfr'kr ls Hkh T;knk MkVk
la[;kRed gksrk gS] vr% la[;kRed MkVk dks tYnh vkSj vPNh rjg Vkbi
djus ds fy, vyx dh&iSM cuk;k tkrk gSA oSls budk dk;Z ,oa vlj Bhd
ogh gSA tks eq[; dh&cksMZ esa yxh la[;kRed dqfa t;ksa dk gksrk gSA
bl dh&iSM ls la[;k,a Vkbi djus ds fy, gesa la[;kRed ykWd
(Num. Lock) uked cVu dks nckuk iM+rk gSA tc ;g cVu nck jgrk gS
[ 121 ]
vFkkZr~ vkWu gksrk gS] rks bl dh&iSM dh dqfa t;ksa ls mu ij ij fy[ks vad ;k
fpUg Vkbi gksrs gSa vkSj ;fn cVu mBk gqvk vFkkZr~ vkWQ gks rks mu cVuksa
ij uhps fy[ks gq, dk;Z gksrs gSA dh&cksMZ esa uEcj ykWd ds vkWu ;k vkWQ
gksus dk Kku mlds ≈ij yxh ,d ihys] gjs jax dh ykbV ls gksrk gSA

(?k) dlZj d.V™ksy dqfa t;ka (Cursor Control Keys) %

bu cVuksa ij rhj ds fpg~u] tSls ← ↑ → rFkk ↓ cus jgrs gS ftuds
}kjk dlZj dks ÿe'k% ck,a] ≈ij] nk,a] rFkk uhps dh vksj ys tk;k tk
ldrk gS- bu cVuksa dks ,d ckj nckus ls dlZj mu ij Nis rhj dh fn'kk esa
,d LFkku nk,a ;k ck,a vFkok ,d ykbu ≈ij ;k uhps pyk tkrk gSA
blds vykok dlZj dks d.V™ksy djus dh pkj dqfa t;ka vkSj gksrh gS]
ftu ij gkse] ,.M] ist vi rFkk ist Mkmu fy[kk jgrk gSA buesa ls gkse
cVu nckus ls dlZj Ldzhu ds ≈ijh ck,a dksus ij ;k fdlh nLrkost ds 'kq:
esa pyk tkrk gSA blh rjg ,.M dqta h nckus ls dlZj Lÿhu ds fupys nka,
dksus ij ;k fdlh nLrkost ds var esa igqp
a tkrk gSA ist vi dqta h dlZj
dks fdlh nLrkost ;k Qkby ds fiNys ist ij ys tkus dk dke djrh gSA
blh rjg ist Mkmu dqt a h dlZj dks nLrkost ds vxys ist ij ys tkrh gSA
vxj Qkby ;k nLrkost dk dksbZ fiNyk ;k vxyk isst ugha gS] rks ist
vi vkSj ist Mkmu cVuksa dk dksbZ vlj ugha gksrkA

(M) dSIl (dSihVy) ykWd daqth (Caps Lock Key) %

tc eq[; dh&cksMZ ij ge fdlh vaxzsth v{kj okys cVu dks nckrs
gS] rks T;knkrj dh&cksMks± ls og v{kj Nkis ds NksVs v{kjksa esa Vkbi gksrk gS]
ysfdu ;fn dSihVy ykWd dqt a h dks ,d ckj nck fn;k tk, rks lHkh v{kj
Nkis ds cM+s v{kjksa esa Vkbi gkasxsA bl dqt
a h dks nksckjk nck nsus ij ;g
izHkko [kRe gks tkrk gS] ;kuh v{kj fQj ls Nkis ds NksVs v{kjksa esa vkus
yxrs gS] okLro esa bl cVu dk vlj v{kjksa okyh dqfa t;ksa ij muds lkFk
f'k∂V dqta h dks nck, j[kus ds cjkcj gksrk gS] ijUrq nwljs cVuksa ij bldk
dksbZ vlj ugha iM+rkA dSihVy ykWd dq°th ds vkWu gksus ij dh&cksMZ ds nka,a
Hkkx esa la[;kRed dh&isM ds ≈ij yxh ihys gjs jax dh ykbV tyrh gSA

(p) f'k∂V dqfa t;ka (Shift Keys) %

VkbijkbVjksa dh rjg vxj fdlh f'k∂V dqta h dks nck, j[kdj fdlh
v{kj dks Vkbi fd;k tk,] rks og Nkis ds cMs v{kjksa esa vkrk gS] ysfdu
[ 122 ]
;fn dSihVy ykWd dh igys ls nch gqbZ (vku) gS] rks f'k∂V dqt a h dk vlj
mYVk gks tkrk gS] ;kuh bl dqt
a h ds lkFk dksbZ v{kj Vkbi djus ij Nkis ds
NksVs v{kj vkrs gSA ftu cVuksa ij nks fpUg fy[ks gksrs gS] mUgsa f'k∂V ds
fcuk nckus ij uhps fy[kk fpUg vkrk gS vkSj f'k∂V ds lkFk nckus ij
≈ij okyk fpUg Vkbi gksrk gS] ,sls cVukasa ij dSihVy ykWd dqt a h dk dksbZ
izHkko ugha gksrkA

a h (Tab Key) %
(N) VSc dqt
bl cVu dh lgk;rk ls ge dlZj dks fdlh ykbu esa igys ls r;
fd, gq, LFkkuksa ij dqnkrs gq, ys tk ldrs gSaA bldh lgk;rk ls ge
iSjkxzkQ] dkWye vkfn cuk ldrs gSA dqN lkW∂Vos;j iSdstksa esa bl dqta h dk
iz;ksx fdlh ehuw esa ls ilUn pquus ;k dksbZ lgk;rk ysus ds fy, Hkh fd;k
tkrk gSA oMZ izkslsljksa esa bldk mi;ksx 'kCnksa ds chp vf/kd Lisl nsus ds
fy, fd;k tkrk gSA

a h (Back Space Key) %

(t) cSd Lisl dqt
bl cVu dks nckus ls dlZj ds Bhd ck;ha vksj okyk v{kj@ fp  feV
(xk;c gks) tkrk gS vkSj dlZj ,d LFkku ihNs dh vksj pyk tkrk gSA bl
dqt
a h dk iz;ksx Vkbfiax esa Lisfyax oxSjg dh xyfr;ka gks tkus ij mUgsa Bhd
djus esa fd;k tkrk gSA

a h (Return or Enter Key) %

(>) fjVuZ ;k ,.Vj dqt
;g dqt a h Lÿhu ij rS;kj fd, x, MkVk ;k vkns'k dks dEI;wVj esa Hkstus
dk dk;Z djrh gSA fjVuZ ;k ,aVj cVu dks nckus ls dEI;wVj dks irk py tkrk
gS fd geus Vkbfiax dk dke iwjk dj fy;k gS vkSj vc dEI;wVj viuk dke
'kq: dj ldrk gS] ;kfu gekjs vkns'k dk ikyu dj ldrk gSA oMZ izkl s fs lax
izkx
s kz eksa esa ,.Vj nckus ls ubZ ykbu ;k iSjkxzkQ izkjEHk gks tkrk gSA

a h (Delete Key) %
(¥k) fMyhV dqt
;g cVu nckus ls dlZj ds Bhd nka;h vksj okyk v{kj@ fp  feV
(xk;c gks) tkrk gS] bldk mi;ksx Vkbfiax dh xyfr;ksa dks Bhd djus esa
fd;k tkrk gS] blds nwljs iz;ksx Hkh gks ldrs gS tSls fdlh Qkby ;k
[ 123 ]
QksYMj dks pqu (lySDV) dj bl dqt
a h dks nckus ls og Qkby ;k QksYMj
fjlkbfdy fcu esa pyk tkrk gSA

a h (Print Screen Key) %

(V) fiz.V Lÿhu dqt
bl cVu dks nckus ij ml le; Lÿhu ij tks Hkh MkVk ;k lwpuk
fn[k jgh gS] og ih-lh- ds lkFk tqMs+ fizVa j ij Bhd mlh rjg Ni tkrh gSA
dHkh&dHkh ;g dqt a h f'k∂V ds lkFk nckbZ tkrh gS] vxj ih-lh- esa fiazVj
ugha yxk gS] rks bldk dksbZ vlj ugha gksrkA foaMksst vkWijsfVax flLVe esa
dk;Z djrs le; bl dqt a h dks nckus ls Lÿhu ij fn[kkbZ iM+us okyh leLr
lkexzh ,d LFkku ij LVksj gks tkrh gS] ftls fDyi cksMZ dgk tkrk gS vki
fDyi cksMZ dh lkexzh dks fdlh Qkby ds :i esa lqjf{kr dj ldrs gS vkSj
Nki Hkh ldrs gSA

(B) ikWt+@ czsd cVu (Pause/ Break) %

bl dqt
a h dks nckus ij Lÿhu tgka gS] ogh :d tkrh gS- vxj Lÿhu ij
dksbZ lwpuk yEch gks vkSj og bruh tYnh&tYnh vk jgh gks fd vki mls
vPNh rjg ns[k ug∞ ik jgs gksa rks bl cVu dks nckrs gh lwpuk dk vkuk
:d tkrk gS] ftlls fd vki mls i<+ ldsA dksbZ nwljh datq h nck nsus ij og
lwpuk fQj ls vkus yxrh gSA ;fn vkids dh&cksMZ esa ikWt+ cVu ugha gS] rks
vki d.V™ksy dqta h ds lkFk Esc (,Ldsi) nckdj Hkh ;gh dke dj ldrs gSAa

a h (Scroll Lock Key) %

(M) LÿkWy ykWd dqt
;g dqta h ikWt+ cVu tSlk gh dke djrh gS] ijUrq lwpuk vkuk fQj
ls 'kq: djkus ds fy, vkidks fdlh cVu ds ctk; ogh cVu fQj ls nckuk
iM+sxkA ;g blfy, fd;k tkrk gS fd Lÿhu ij fn[kkbZ xbZ lwpuk dks vki
vius fizVa j ij Niok lds vkSj nwwljk cVu nckus ls og xk;c u gks tk,A

(<) ,Ld] d.V™ksy rFkk vkWYV dqfa t;ka (Esc, Ctrl & Alt Keys) %
;s cVu dqN [kkl dkeksa ds fy, nwljksa cVuksa ds lkFk iz;ksx esa yk,
tkrs gSAa mnkgj.k ds fy, d.V™ksy ds lkFk Esc (,ldsi) nckus ij ml le;
py jgk gekjk izksxzke ogha [kRe gks tkrk gS] bu dqfa t;ksa dk dke vkSj
iz;ksx vyx&vyx ihlh ds dh cksMks± esa vyx&vyx gksrk gS] bldh iwjh
[ 124 ]
vkSj lgh tkudkjh ds fy, ihlh dk eSuqvy ns[kuk pkfg,] budk mi;ksx
lkW∂Vos;j ds vuqlkj cnyrk jgrk gSA

(.k) jhlsV (Reset) %

T;knkrj dEI;wVjksa esa ,Ld] d.V™ksy vkSj vkWYV ;s rhu cVu ,d lkFk
nck nsus ij ih-lh- esa py jgs lHkh dke [kREk gks tkrs gSa vkSj ;g viuh
izkjfEHkd fLFkfr esa igqp
a tkrk gS] tSls vkius mlh le; 'kq: fd;k gksA
dHkh&dHkh dEI;wVj :d&lk (gSx a gks) x;k ekywe gksrk gSA ijarq okLro esa
ml le; dksbZ ,slk izksxzke py jgk gksrk gS tks [kRe ugha gks jgkA ;g
izksxzke dh xyrh ls gksrk gSA d.V™ksy Iyl ,ldsi (Ctrl+Esc) nckus ij Hkh
og izksxzke ugha :drkA ,slh gkyr esa jhlsV djuk t:jh gksrk gSA ugha rks
dEI;wVj dk fLop cUn djds fQj ls pkyw djuk iM+rk gSA
104 dqfa t;ksa okys dh&cksMZ esa ≈ij crkbZ xbZ dqfa t;ksa ds vykok
fo.Mkst+ esa dke vkus okyh rhu vkSj dqfa t;ka gksrh gS] gkykafd mudk dksbZ
fo'ks"k mi;ksx ugha gksrkA vktdy ,sls dh&cksMZ Hkh miyC/k gS] ftu ij
baVjusV ds dk;Z ls lacfa /kr dbZ vU; cVu Hkh yxs gksrs gSA
lHkh dh&cksMksZ dh viuh fo'ks"krk,a gksrh gSAa ≈ij crkbZ xbZ tkudkjh
yxHkx lHkh dh&cksMksZa ij ykxw gksrh gS] ijUrq iwjh vkSj lgh tkudkjh
dh&cksMZ ds lkFk feys eSU;qvy esa gh fey ldrh gSA

[ 125 ]
 14. gekjk cSad % dEI;wVjhdj.k] lapkj
,oa lwpuk rduhdh
gekjk cSad dEI;wVj vkSj rduhdh fodklksa ds iz;ksx esa Hkh lnSo
vxz.kh jgk gSA gekjs cSad esa dEI;wVjksa dk iz;ksx yxHkx 40 o"kZ iwoZ
loZizFke varj'kk[kk izfof"V;ksa ds lek/kku ds fy, izkjEHk fd;k x;kA
rsth ls rduhdh izxfr ,oa cnykoksa ds bl ;qx esa cSfa dax {ks= esa
viuh vxz.kh fLFkfr cuk, j[kus gsrq gekjs cSd a us eSdsUth ,.M da- ,oa
ds-ih-,e-th- tSls 'kh"kZ izc/a ku ,oa rduhdh lykgdkjksa dh lsok,a ysdj
cSd
a esa ch-ih-vkj- (fctusl izkslsl jh&bUthfu;fjax vFkkZr~ O;olk; izfÿ;k
iqufoZU;kl) ykxw djus dk fu'p; fd;kA ch-ih-vkj- dks ykxw djus gsrq
lh-ch-,l- (dksj cSfa dax lkWY;w'ku) iz.kkyh ykxw dh xbZA blls cSd
a esa uohu
cnykoksa ds lkFk ,d u, rduhdh ;qx dk lw=ikr gqvkA
gekjs cSd a us dEI;wVj ,oa lwpuk rduhdh dk O;kid iz;ksx fuEufyf[kr
mn~ns';ksa dh iwfrZ gsrq fd;k gS&
& cSda dk cktkj va'k (ekdsZV 'ks;j) c<+kukA
& cSfa dax {ks= esa viuh vxz.kh fLFkfr cuk, j[kukA
& fons'kh ,oa futh {ks= ds uoLFkkfir cSadksa ls feyh pqukSrh ,oa
izfrLi/kkZ dk lkeuk djukA
& cSda dk xzkgd vk/kkj c<+kukA
& a ds orZeku vkSj laHkkfor (Potential) xzkgdksa dh vis{kkvksa dks
cSd
iwjk djukA
& ubZ ;qok ih<+h (New Generation) ds vf/kdkf/kd xzkgdksa dks vkdf"kZr
djukA
& ifjpkyu ykxr esa deh ykukA
& csgrj fu"iknu lwpdkad tSls th-vkj-vkj-] vkj-vks-,-] vkj-vks-bZ-
vkfnA
& xzkgdksa dks u, mRiknksa dk 'kh?kz ,oa izHkkoh foi.kuA
& LVsV cSda lewg dh la;qDŸk ≈tkZ (Synergy) dk iw.kZ mi;ksxA
& ch-ih-vkj- dks iw.kZr;k ykxw dj mldk ykHk ysukA

[ 126 ]
& lwpuk rduhdh ds mi;ksx gsrq lqn`<+ lwpuk rduhdh ra= rS;kj
djukA
LFkkuh; iz/kku dk;kZy; Lrj ij vkbZ-Vh-lsok,a foHkkx (iwoZ esa
dEI;wVj ,oa dE;qfuds'ku foHkkx) dEI;wVjhdj.k] lapkj ,oa lwpuk rduhdh
lEcU/kh dk;ks± dh ns[kjs[k djrk gSA lgk;d egkizcU/kd (vkbZ-Vh-,l-) bl
foHkkx ds eq[; inkf/kdkjh gksrs gSa tks eaMy fodkl vf/kdkjh (lh-Mh-vks)
ds fu;U=.kk/khu dk;Z djrs gSAa
lwpuk rduhdh dh lqj{kk ds fy, gekjs cSd a us ^^bUQksesZ'ku flD;ksfjVh
fMikVZesVa ** (vkbZ-,l-Mh-) dk xBu fd;k x;k gS tks gekjs lwpuk ra= ds
lqj{kk lEcU/kh dk;ks± ds fy, mŸkjnk;h gSA 'kh"kZ Lrj ij bl foHkkx ds
eqf[k;k egkizcU/kd (vkbZ-Vh-) ,oa phQ bUQksesZ'ku flD;ksfjVh vkWQhlj
gSaA
lwpuk lqj{kk dks n`f"Vxr j[krs gq, cSd a }kjk 03 twu 2004 ls ubZ
vkbZ-Vh- ikWfylh (lwpuk rduhdh ikWfylh) ,oa lwpuk ra= lqj{kk ikWfylh
(Information System Security Policy) ykxw dh xbZ ftldks le;&le;
ij iqujhf{kr (review) dj v|ru cuk, j[kk tkrk gSA
vkt dh bl rduhdh izxfr dk izeq[k i{k ekuo lalk/ku gS tks
lwpuk lqj{kk esa vge Hkwfedk vnk djrk gSA vkt gekjs izR;sd vfËkdkjh@
deZpkjh dks lwpuk lqj{kk lEcU/kh vk/kkjHkwr tkudkjh vo'; gksuh
pkfg, rkfd ge esa ls gj ,d etcwr dM+h flº gks lds vkSj dksbZ Hkh
vokaNuh; rRo gekjh lwpuk lqj{kk esa ls/a k ugha yxk ik,A
rduhdh miyfC/k;ksa gsrq gekjs cSd a dks ^^n cSda j** if=dk] yUnu]
Hkkjrh; fjtoZ cSd a ] Hkkjrh; cSda la?k] Vh-,Q-lh-vkbZ- vkfn }kjk vusd
iqjLdkj iznku fd, x, gSa (œi;k v/;k; 1 ds var esa mYysf[kr Hkkjrh;
cSda dh miyfC/k;ksa dk voyksdu djsAa )
gekjs cSd a esa rduhdh xfrfof/k;ksa ds fu;U=.k gsrq 'kh"kZ Lrj ij
mi&izc/a k funs'kd (vkbZ-Vh-) [DMD(IT)] dk uohu in l`ftr fd;k x;k
gS] ftuds v/khu gekjk lqn`<+ lwpuk rduhdh (Information Technology)
foHkkx dk;Zjr gSA
'kh"kZ Lrj ij gekjs cSd
a ds lwpuk rduhdh foHkkx dk xBu fuEukuqlkj
gS&
[ 127 ]
 DMD (IT)

Chief
ChiefGeneral
GeneralManager
Manager Chief
ChiefGeneral
GeneralManager
Manager
(IT)
(IT)- -11 (IT)
(IT)- -22

GM
GM GM
GM GM GM (Core Banking)
GM GM (Core Banking)
(ATM)
(ATM) (IT)
(IT) (IT) & Chief Information
(IT) & Chief Information

Hkkjrh; LVsV cSd

Security Officer DGM (Technical)
Security Officer DGM (Technical)

DGM DGM
DGM DGM
DGM DGM(Implementation
(Implementation&&Training
Training) )
(IT – Foreign Offices)
(ATM - Operations) (IT – Foreign Offices)
(ATM - Operations)
DGM DGM

[ 128 ]
DGM DGM DGM(Business
(BusinessOperations
Operations&&Support)
Support)
DGM (Computer
(Computer
(Branch Computerisation) Planning
(Branch Computerisation) Planning DGM
DGM
DGM &&Services)) DGM(Central
(CentralData
DataCentre)
Centre)
Services))
(ATM
(ATM- -Strategy)
Strategy) DGM
DGM DGM
(Special Projects) DGM
(Special Projects) (Disaster Recovery
(Disaster RecoveryCentre,
Centre,Chennai)
Chennai)
DGM
DGM DGM (Trade Finance)
DGM (Trade Finance)
(Internet Banking) DGM
(Internet Banking) DGM
(STEPS)
(STEPS) DGM

a % lwpuk rduhdh foHkkx dk xBu

DGM(Networking)
(Networking)

DGM DGM
DGM(Development)
(Development)
(Communication Services -SFMS)
 gekjs rduhdh mRikn
,-Vh-,e- (ATM)
LVsV cSd
a lewg us o"kZ 2008&09 ds nkSjku 2944 ,oa o"kZ 2009&10
ds nkSjku 10]081 u, ,-Vh-,e- yxkdj ,-Vh-,e- LFkkfir djus esa dhfrZeku
LFkkfir fd;k gSA gekjs cSd a }kjk 12 tqykbZ] 2009 dks 154 ubZ 'kk[kk,a
[kksyh xbZ vkSj 1540 u, ,-Vh-,e- LFkkfir dj ,d u;k dhfrZeku
LFkkfir fd;kA ;g fo'o esa fdlh Hkh ,d cSd a }kjk ,d gh fnu esa [kksyh
xbZ 'kk[kkvksa vkSj LFkkfir ,-Vh-,eksa dh lokZf/kd la[;k gSA 31 ekpZ]
2010 rd LVsV cSd a lewg us 21]485 ,-Vh-,e- LFkkfir dj mUgsa usVodZ ls
tksM+ fn;k FkkA 31 ekpZ] 2011 dks LVsV cSd a lewg us fxjxkao] eqEcbZ esa
25]000ok° ,Vh,e LFkkfir dj ns'k ds lcls cM+s ,-Vh-,e- usVodZ lewg
gksus dk xkSjo izkIr fd;k gSA 31 ekpZ] 2011 dks LVsV cSd a lewg ds
,-Vh-,ekas- dh la[;k 25]005 gks xbZ A tks ns'k esa lHkh cSd a ksa ds ,-Vh-,e-
usVodZ dk ,d frgkbZ gSA
cSd
a ds ikl gekjs dsUnzh;œr ,-Vh-,e- fLop ls tqM+s fons'kksa esa fofHkUu
LFkkuksa ij 113 ,-Vh-,e- fLFkr gSAa tks gekjs fons'k fLFkr xzkgdksa dks lsok ns
jgs gSAa
,-Vh-,e lsok,°µ
π ,-Vh-,e- ls xzkgd dgha Hkh fdlh Hkh le; (24 × 7) lsok,° ys ldrk
gSA vius [kkrs ds 'ks"k dh tkudkjh dj ldrk gS vkSj [kkrs dk laf{kIr
fooj.k (Mini statement) Nki ldrk gS] ftlesa fiNyh 10 izfof"V;k°
n'kkZbZ xbZ gksrh gSAa
π ,d xzkgd vius ,-Vh-,e- lg&MsfcV&dkMZ ls ,d fnu esa (00%00 ls
24%00 cts ds nkSjku) vf/kdre #- 40]000@& rd udn vkgj.k
dj ldrk gS rFkk O;kolkf;d izfr"Bkuksa (Merchant Establishments)
,oa fcÿh dsUÊksa (POS&ikbaV vkWQ lsy) ij viuh vko';drkuqlkj
[kjhnnkjh dj vf/kdre #- 50]000@& ds fcyksa dk Hkqxrku dj
ldrk gSA vFkkZr~ ,-Vh-,e- ls ,d fnu esa lexz vkgj.k dh nSfud
lhek #- 90]000@& gSA
π ,-Vh-,e- dkMZ /kkjd vius [kkrs ls QkLV dS'k (rqjUr udnh) fodYi
}kjk #- 1]000@&] #- 2]000@&] #- 3]000@& ;k #- 5]000@& dh iwoZ
fu/kkZfjr jkf'k dk vkgj.k dj ldrk gSA

[ 129 ]
π fiu (PIN) cnyus dk dk;Z dsoy LVsV cSd
a lewg ds ,Vh,eksa ij gh
fd;k tk ldrk gSA
π ,-Vh-,e- dkMZ }kjk udn vkgj.k ds vfrfjDr nwljs dkMZ /kkjdksa dks
jkf'k varj.k] dqN dkWystks@a f'k{k.k laLFkkuksa dh Qhl tek djuk]
ijh{kkvkas (GATE/ GMAT) dh vkosnu Qhl tek djuk] efUnjks@a
iwtk LFkyksa dks nku] ;wfVfyVh fcyksa dk Hkqxrku] eksckby Qksu
fjpkft±x] ,l-ch-vkbZ- dkMZ ds fcyks]a ,l-ch-vkbZ- ykbQ ds izhfe;e
dk Hkqxrku vkfn Hkh fd;k tk ldrk gSA
π xzkgdksa dh lqfo/kk gsrq ,-Vh-,e- ij ,-Vh-,e- yksdsVj (ATM Locator)
Hkh miyC/k gS ftlls xzkgd vU; ,-Vh-,eksa dh fLFkfr (yksds'ku) ds
ckjs esa tkudkjh izkIr dj ldrs gSAa
π ,-Vh-,e- e'khuksa esa lans'k vaxzsth ds vfrfjDr fgUnh ,oa LFkkuh;
Hkk"kkvksa esa Hkh miyC/k gSA ysunsu gsrq xzkgd viuh lqfo/kkuqlkj
Hkk"kk dk p;u dj ldrk gSA
,-Vh-,e- esa j[kk gqvk dS'k ,-Vh-,e- fLop dsUnz (ASC), eqEcbZ dk
ekuk tkrk gSA ,-Vh-,e- dk dS'k csysUl lEcfU/kr 'kk[kk }kjk nSfud
vkËkkj ij feyku djuk vko';d gSA
a us ,-Vh-,eks-a ds j[k&j[kko ds fy, ,u-lh-vkj-] ,Q-,l-
gekjsa cSd
,l- ,oa MkbcksYM uked dEifu;ksa ls djkj fd;k gSA
14 o"kZ ls vf/kd vk;q ds vo;Ld dks ,-Vh-,e- dkMZ tkjh fd;k tk
ldrk gSA c'krsZ mUgksu
a s fdlh o;Ld O;fDr ds lkFk [kkrk [kksyk gqvk gksA
,-Vh-,e- dkMZ [kks tkus dh fLFkfr esa xzkgd }kjk lEcfU/kr 'kk[kk ds
lkFk&lkFk Vksy ›h la- 18 00 11 22 11] 1800 425 3800 ;k
080&2659 9990 ij lwpuk nsuh pkfg, rkfd ,-Vh-,e- fLop dsUnz
(ASC), eqEcbZ }kjk dkMZ dh gkWV fyfLVax (dkMZ dk iz;ksx can djuk) dh
tk ldsA
,-Vh-,e- & lg&MsfcV dkMZ dks LVsV cSd
a dS'k Iyl ds czk.M uke ls Hkh
tkuk tkrk gSA dkMZ la[;k 19 vadksa dh gksrh gSA Dykfld ,-Vh-,e- dkMks±
dh dkMZ la[;k 16 vadkas dh gksxhA
,-Vh-,eksa ds lapkyu gsrq iz;qDr lkW∂Vos;j & Base 24
[ 130 ]
,-Vh-,e- 'kqYdµ
01vizy S ] 2009 ls izHkkoh Hkkjrh; fjtoZ cSd a ds fn'kk funsZ'kkuqlkj
fdlh Hkh cSd a dk ,-Vh-,e- dkMZ /kkjd fdlh Hkh vU; cSd a ds ,-Vh-,e- ls
fu%'kqYd jkf'k vkgfjr dj ldrk FkkA
Hkkjrh; cSd a la?k }kjk bu funs'Z kksa esa 15 vDVwcj] 2009 ls la'kks/ku
fd;k x;k ftlds vuqlkj cpr cSd a ] pkyw [kkrk ,oa ds-lh-lh- [kkrk/kkjd
vius [kkrksa ls vlhfer la[;k esa 'ks"k dh iwNrkN (Enquiry) vkSj cpr cSd a
[kkrkËkkjd ,d ekg esa vf/kdre 5 ckj rd fu%'kqYd vkgj.k dj ldrs Fks
tc fd pkyw [kkrksa vkSj ds-lh-lh- [kkrksa ls udn vkgj.k (Cash Withdraw-
als) ij #0 20@& izfr vkgj.k lsok 'kqYd fu/kkZfjr fd;k x;kA
Hkkjrh; fjtoZ cSad }kjk 27 ebZ] 2011 dks tkjh uohure
funsZ'kkuqlkj cpr cSd a [kkrksa ls orZeku esa vlhfer la[;k esa 'ks"k dh
iwNrkN (Enquiry) vkSj ikap fu%'kqYd udn vkgj.k (Cash Withdrawals)
ds LFkku ij 01 tqykbZ] 2011 ls cpr cSd a [kkrk/kkjdksa }kjk vU; cSda ksa
ds ,-Vh-,eks-a dk iz;ksx djus ij 5 fu%'kqYd ysu&nsuksa esa foŸkh; vkSj xSj
foŸkh; vFkkZr~ [kkrs ls udn vkgj.k ,oa 'ks"k dh iwNrkN nksuksa izdkj ds
ysu&nsu lfEefyr fd, tk,xsAa ifj.kker% vc cpr cSd a [kkrs ls 'ks"k
dh iwNrkN lEcU/kh ysu&nsuksa dks ikap fu%'kqYd ysu&nsuksa dh x.kuk gsrq
'kkfey fd;k tk;sxkA
vU; cSd a kas ds ,-Vh-,ekas- ls ,d ekg esa
ikap ls vf/kd ysu&nsuksa ij 'kqYd & #- 20@& izfr ysunsu
vU; cSda kas ds ,-Vh-,ekas- ls vkgj.k dh vf/kdre lhek %
(v) gekjs dkMZ/kkjdkas }kjk vU; cSd a kas ds ,-Vh-,eks-a ls :- 10]000@&
izfr ysunsu vfËkdre vkgj.k
(v) nwljsa cSd
a kas ds dkMZ/kkjdkas }kjk LVsV cSd a lewg ds :- 10]000@&
,-Vh-,eks-a ls izfr ysunsu vf/kdre vkgj.k
• LVsV cSda ,-Vh-,e-&lg&MsfcV dkMZ fu%'kqYd tkjh fd, tkrs gSa rFkkfi]
21 ekpZ] 2011 ls budk okf"kZd j[k j[kko 'kqYd #- 100@& gS tks
dkMZ tkjh djus ds nwljs o"kZ ls olwy fd;k tkrk gSA
• ,-Vh-,e- dkMZ ds xqe gks tkus vFkok [kjkc gks tkus ij MqIyhdsV dkMZ
tkjh djus ds fy, 'kqYd & #- 200@&
• xzkgd ds vuqjks/k ij ,-Vh-,e- dk u;k fiu (PIN) tkjh djus gsrq
'kqYd & #- 50@&

[ 131 ]
 bUVjusV cSfa dax (Internet Banking)

bUVjusV cSfa dax ds ek/;e ls ls gesa ;qok ih<+h ds xzkgdksa dks vkdf"kZr
djus esa cgqr enn feyh gSA bl pSuy }kjk xzkgd dks gj le; (24×365)
cSfa dax lqfo/kk miyC/k gSA blds }kjk xzkgd udn jkf'k vkgj.k@ tek ,oa
Dyh;fjax dks NksM+dj cSd a dh fofHkÈk cSfa dax lqfo/kkvksa dk mi;ksx dj
ldrk gSA
π SBI-e-billpay ds }kjk xzkgd vius ikuh] fctyh] eksckby vkfn
;wfVfyVh fcyksa dk fu;fer Hkqxrku dj ldrs gSAa ,lchvkbZ&bZ&fcy
is }kjk xzkgd bUVjusV cSfa dax dh lsok dk mi;ksx fd, fcuk Hkh vius
;wfVfyVh fcyksa dk Hkqxrku dj ldrs gSAa
π Qh&isesUV ds }kjk xzkgd dqN dkWystks@a f'k{k.k laLFkkvksa dh Qhl tek
dj ldrk gSA
π xzkgd Lo;a ds ,d [kkrs ls nwljs [kkrs esa jkf'k vUrfjr dj ldrk gS ,oa
r`rh; i{k ds [kkrs esa (,d fnu esa vf/kdre #- 5-00 yk[k rd dh)
jkf'k vUrfjr dj ldrk gS vkSj cSd a dks #- 5 yk[k rd cSd a lZ pSd@
M™k∂V vkfn tkjh djus] pSdcqd tkjh djus] LFkkbZ vuqns'k nsus] u;k
[kkrk [kksyus] fe;knh tek cukus@ uohuhdj.k djus] Ω.k [kkrk can
djus vkfn ds vkns'k ns ldrk gSA
π e-Rail ds }kjk xzkgd jsy fVdV cqd djk ldrk gSA
π xzkgd gokbZ ;k=k gsrq fVdV cqd djok ldrk gSA
π SBI-e-Tax ds }kjk xzkgd izR;{k djksa tSls] vk;dj] migkj dj]
laink dj] dkiksZjsV dj vkfn rFkk vizR;{k djkas dk Hkqxrku dj
ldrk gSA
gekjs cSd
a }kjk xzkgdksa dks orZeku esa bUVjusV cSfa dax lsok fu%'kqYd
nh tk jgh gS rFkkfi blds }kjk jsyos fVdV cqd djokus gsrq #- 10@& vkSj
gokbZ ;k=k gsrq fVdV cqd djokus ds fy, #- 50@& lsok 'kqYd olwy fd;k
tkrk gSA

[ 132 ]
 fjVsy baVjusV cSfa dax xzkgdksa gsrq 7 vizy
S ] 2009 ls
la'kksf/kr nSfud lhek
ysu&nsu dk fooj.k la'kksf/kr nSfud lhek
(vf/kdre&izfr ysunsu ;k dqy jkf'k)

var% 'kk[kk jkf'k varj.k (Intra Branch Fund Transfer) #- 10 yk[k

varj 'kk[kk jkf'k varj.k (Inter Branch Fund Transfer) #- 5 yk[k
ek°x M™k∂V (Demand Draft) #- 5 yk[k
r`rh; i{k ds [kkrs esa varj.k (Third Party Transfer) #- 5 yk[k
fcy Hkqxrku (Bill Payment) #- 5 yk[k
O;olkf;d Hkqxrku (Merchant Payment) #- 5 yk[k
vkjVhth,l@ ,ubZ,QVh@ thvkjihVh #- 5 yk[k
(RTGS/ NEFT/ GRPT) (deh'ku ds vfrfjDr)
ohlk (VISA) #- 25 gtkj (vf/kdre jkf'k izfr ysunsu)
#- 50 gtkj (vf/kdre jkf'k izfrfnu izfr xzkgd)
ih ih ,Q (PPF) #- 500@& ls #- 70]000@&
(vf/kdre jkf'k izfrfnu ,oa izfr [kkrk)
izR;{k ,oa vizR;{k dj #- 10 yk[k] lhek #- 2 djksM+ izfrfnu rd c<+kbZ
tk ldrh gSA (xzkgd dh fu/kkZfjr lhek ij vk/kkfjr)
Mh&eSV lhek #- 1 djksM+ (xzkgd }kjk fuf'pr lhek ds vuqlkj)
(D-Mat limit)
v{k; (Akshaya) #- 5 yk[k (vf/kdre ysunsu izfrfnUk)
nku (Donation) #- 5 yk[k (vf/kdre jkf'k izfrfnu izfr xzkgd)

M™k∂V gsrq fj;k;rh njsa (Concessionary rates)% bUVjusV cSfdax }kjk

M™k∂V cuokus gsrq vkUkykbu vkosnu djus ij lsok izHkkj %
M™k∂V dh jkf'k fofue; (Exchange)
:-10]000@& rd µ fujad
:-10]001@& ls :- 1]00]000@& rd µ :- 50@& izfr M™k∂V
:-1]00]001@& ls :- 5]00]000@& rd µ :- 100@& izfr M™k∂V
[ 133 ]
 dkikZsjsV baVjusV cSfa dax (CINB)
1- dkikZsjsV (O;olk;h) xzkgdksa dks iznku dh tkus okyh baVjusV cSfa dax
lqfo/kk dkikZsjsV baVjusV cSfdax dgykrh gSA
2- blds }kjk O;olk;h xzkgdksa (dkWiksZjsV~l) dks vius dk;kZy; ls gh
dEI;wVj }kjk vius [kkrs dh 'ks"k lac/a kh iwNrkN] [kkrksa esa ysunsu
djus ,oa mudh ekuhVfjax djus dh lqfo/kk iznku dh tkrh gSA
dkikZsjsV baVjusV cSfa dax dh lqfo/kk Hkkjrh; LVsV cSd a ds lkFk&lkFk
lHkh lg;ksxh cSd a ksa esa Hkh 'kq: dh tk pqdh gSA dkikZsjsV bUVjusV cSfa dax
esa fuEufyf[kr 4 izdkj dh lqfo/kk,° miyC/k gSa %
(i) [kkrk (Advantage) (dsoy iwNrkN)µbldk iz;ksx ,d gh 'kk[kk
esa lHkh izdkj ds [kkrksa esa 'ks"k lac/a kh iwNrkN ds fy, fd;k tk
ldrk gSA blesa ysu&nsu dh lqfo/kk miyC/k ugha gSA ;g lqfo/kk
NksVh Qeks±] dEifu;ksa vkSj laLFkkvksa ftuds gekjh ,d gh 'kk[kk esa
[kkrs gks]a ds fy, mi;qDr gSA
(ii) [kkrk Iyl (Advantage+) (dsoy iwNrkN)µos dkikZsjsV xzkgd
ftuds [kkrs LVsV cSd a dh nks ;k nks ls vf/kd 'kk[kkvksa esa gSa os mu
lHkh 'kk[kkvksa ds [kkrksa dks baVjusV cSfa dax ds ek/;e ls ns[k dj 'ks"k
lEcU/kh iwNrkN dj ldrs gSa ijUrq mUgsa [kkrkas esa ysu nsu djus dh
lqfoËkk miyC/k ugha gSA ;g lqfo/kk cM+s laLFkkuksa ds fy, mi;qDr gS
tks vius [kkrksa esa ysunsu dk vf/kdkj ugha pkgrs gSAa
(iii) O;kikj (Privilege)µ;g lqfo/kk mu NksVs vkSj e/;e vkdkj ds
laLFkkuksa ds fy, mi;qDr gS tks ,d 'kk[kk esa viuk [kkrk j[krs gSAa
bl lqfo/kk ds ek/;e ls izR;sd ysu&nsu vf/kdre :- 50 yk[k rd
fd;k tk ldrk gSA ysu&nsu dh la[;kvksa dh dksbZ lhek ugha gSA
(iv) foLrkj (Freedom)µos cM+s vkSj cgqr cM+s dkikZsjsV xzkgd tks nks ;k
vf/kd 'kk[kkvksa esa vius [kkrs j[krs gS]a bl lqfo/kk dk ykHk mBk
ldrs gSAa blds vUrxZr os izfr ysu&nsu #- 500 djksM+ rd dj ldrs
gSa vkSj #- 1 djksM+ rd dk M™k∂V cuok ldrs gSAa blesa ysu&nsu dh
la[;kvksa dh dksbZ lhek ugha gSA
[ 134 ]
 eksckby cSfa dax (Mobile Banking)
rduhdh iz/kku bl ;qx esa dEI;wVjhdj.k ds lkFk&lkFk eksckby
Qksu dk mi;ksx Hkh c<+k gSA vkt tu lkekU; eksckby dk iz;ksx djus
yxk gS vkSj blds xzkgdksa dh la[;k fujarj c<+rh gh tk jgh gSA eksckby
dh tulkekU; esa yksdfiz;rk dks vk/kkj ekurs gq, geus vius xzkgdksa dks
eksckby cSafdax lqfo/kk,aW iznku dh gSa rkfd vf/kdkf/kd xzkgd bldk
mi;ksx dj cSfa dax ysunsu dj ldsAa eksckby cSfa dax }kjk xzkgd cSd a dh
fofHkUu lsokvksa dk mi;ksx dj ldrk gS] mnkgj.kkFkZ% iwNrkN lsok,°
('ks"k lEcU/kh iwNrkN@ [kkrs dk laf{kIr fooj.k&vafre 5 ysunsu)]
,u-bZ-,Q-Vh- dk mi;ksx djds fuf/k;ksa dk varj.k] vuqjks/k lsok,°
(pSdcqd tkjh djus gsrq vuqjksËk] pSdksa ds Hkqxrku jksdus lEcU/kh vuqjksËk)
,e&dkelZ (eksckby VkWi vi] eps±V Hkqxrku] ,l-ch-vkbZ- thou chek
izhfe;e)] fcy Hkqxrku (miHkks‰k fcy] ÿsfMV dkMZ)] utnhdh
,-Vh-,e- dgk° LFkkfir gS vkfnA
eksckby cSfa dax dh lqfo/kk loZizFke ckjDyst+ cSd a (Barclays Bank)
}kjk miyC/k djokbZ xbZA bls gSyks euh Hkh dgk tkrk gSA ns'k ds ckgj
bl lqfo/kk dk iz;ksx izfrcaf/kr gSA blds }kjk flQZ Hkkjrh; #i;ksa esa
gh ysunsu fd, tk ldrs gSAa bl lqfo/kk ls gq, ysusnuksa ij KYC. ,oa
AML ds lkjs fu;e ykxw gksrs gSAa
gekjs cSd a us bl mRikn dks ^^,l ch vkbZ ›hMe** (SBI freedoM)
ds uke ls ykWUPk fd;k gSA bl lsok dk mi;ksx djus ds bPNqd xzkgd ,-Vh-
,e- ij vFkok 'kk[kk esa tkdj iathdj.k djok ldrs gSAa
cSda ks }kjk fu;qDr fctusl dkWjsLiksUMsVa (Business Correspondent)
,sls xzkgdks dks c<+kus esa enn djsx a sA bl lsok ds mi;ksx gsrq SMS Ok
GPRS ds O;; [kkrk /kkjd }kjk gh ogu fd, tk,axsA
eksckby cSfa dax }kjk ysunsu dh vf/kdre lhek %
– r`rh; i{k ds [kkrs esa jkf'k varj.k ,oa & #- 50]000@& izfrfnu
lkeku dh [kjhn ;k ;wfVfyVh fcyksa dk Hkqxrku
& ,d dSys.Mj ekg esa ysunsu & #- 2]50]000@& izfr ekg
xzkgdksa dks eksckby cSfa dax ds vUrxZr ,l-,e-,l- cSfa dax dh lqfo/kk
eksckby ua- 92234 40000 ij miyC/k djokbZ xbZ gS blls ,l-,e-,l-
ds [kpZ esa deh vk,xhA bl lqfo/kk esa ,l-,e-,l- dk ,ufÿI'ku ugha
fd;k tk,xkA bl lqfo/kk }kjk fuEukuqlkj jkf'k varfjr dh tk ldrh gS%
nSfud lhek % #- 1]000@&
ekfld lhek % #- 5]000@&
[ 135 ]
 Vsyh cSfa dax (Tele Banking)
;g xzkgd dks nwjHkk"k }kjk vius iwoZ fu/kkZfjr [kkrs esa ysu&nsu rFkk
cSfa dax mRiknksa ds ckjs esa tkudkjh ds fy, Value Added Service gSA blds
}kjk xzkgd vius [kkrs ls /ku&vUrj.k] iwoZ ifjHkkf"kr jkf'k ukes djus]
M™k∂V tkjh djus] pSd cqd tkjh djus gsrq vuqjks/k vkfn dj ldrk gSA
blds lkFk gh [kkrs esa gq, ysunsuksa dh tkudkjh ,oa QSDl }kjk [kkrs ds
fooj.k dh fizfVax dh lqfo/kk Hkh miyC/k gSA
xzkgd VkSy ›h VsyhQksu la[;k 1800 11 22 11] 1800 425
3800 ij vius vkidks iathœr djokdj Vh&fiu (T-PIN) izkIr dj
ldrk gS ftldh enn ls og blh nwjHkk"k ij vius [kkrs ds 'ks"k vkSj
fiNys 5 ysunsuksa dh tkudkjh izkIr dj ldrk gSA
,-Vh-,e- fo'o ;k=k (Qkjsu Vs™oy) dkMZ
(ATM Vishwa Yatra Foreign Travel Card)
cSd
a us fons'k ;k=k ij tkus okys xzkgdksa gsrq u;k dkMZ ^^fo'o ;k=k
dkMZ** 'kq: fd;k gS tks fd fo'o Hkj esa 9]24]000 ohtk ,-Vh-,eks-a ,oa
2-20 djksM+ ohtk O;kikfjd izfr"Bkuksa ij mi;ksx fd;k tk ldrk gSA
blls xzkgd }kjk viuh lqfoËkkuqlkj vyx&vyx ewY; oxZ dh fofHkUu
fons'kh eqnzkvksa (;w-,l- MkWyj] ;wjks ,oa fczfV'k ikm.M) esa vkgj.k fd;k
tk ldrk gSA ;g ,d izhisM dkMZ gSA bl dkMZ dks Hkkjrh; LVsV cSd a dh fdlh
Hkh fons'kh eqÊk@ ;k=h pSd cspus gsrq izkf/kœr 'kk[kk esa tkdj dkmUVj ij
gh [kjhnk tk ldrk gSA bl dkMZ dks [kjhnus gsrq Hkkjrh; LVsV cSd a esa [kkrk
gksuk vko';d ugha gSA
a dusDV (State Bank Connect)
LVsV cSd
LVsV cSad dusDV }kjk cSad us vius O;olkf;d <kaps dks foLr`r
(Distributed) ls dsfUnzr (Centralised) esa cny fn;k gSA foLr`r <kaps esa
gekjh 'kk[kk,sa LFkkuh; loZj ls ysunsu djrh Fkha tcfd dsfUnzr <kaps esa
LVsV cSd
a dusDV ls tqM+us ds i'pkr~ dsUÊh;œr MkVkcsl (lh-Mh-lh-] th-vkbZ-
Vh-lh-] csykiqj] uoh eqEcbZ) ls ysu nsu djrh gSA gekjh ,oa lg;ksxh cSd a ksa
dh lHkh 'kk[kkvksa vkSj ,-Vh-,eksa rFkk fofHkÈk dk;kZy;ks]a ftudh dqy la[;k
40]000 ls vf/kd gS] dks LVsV cSd a dusDV }kjk usVodZ ls tksM+ fn;k x;k gSA
bl gsrq ch-,l-,u-,y dh yht ykbuksa dk iz;ksx fd;k tk jgk gSA
LVsV cSad dusDV dk j[k&j[kko eSå MkVk ÿk∂V] flaxkiqj }kjk
fd;k tk jgk gSA
[ 136 ]
 fj;y Vkbe xzkWl lSVyeSVa
(RTGS – Real Time Gross Settlement)
vkj-Vh-th-,l- dk mÌs'; xzkgdksa dks ,d cSda ds [kkrs ls nwljs cSd
a ds
[kkrs esa bysDV™kWfud ek/;e ls vR;Yi [kpsZ ij Rofjr /ku varj.k dh
lqfoËkk nsuk gSA bl lqfo/kk dk izkjEHk Hkkjrh; fjtoZ cSd a ds funsZ'ku esa
1 tuojh] 2007 ls gqvk gSA bldk lkW∂Vos;j IDRBT, gSnjkckn us
fodflr fd;k gSA vkj-Vh-th-,l izs"k.k gsrq Hkkjrh; fjtoZ cSd a lgHkkxh
vkSj lSVyesaV cSad rFkk dsUÊ (gc) dk dk;Z djrk gSA bl iz.kkyh gsrq
Hkkjrh; fjtoZ cSd a }kjk gSnjkckn esa dsUÊ (gc) yxk;k x;k gSA laf{kIr esa
vkj-Vh-th-,l- Hkqxrku djus dh ,d dsUnzh; dEI;wVjhd`r fof/k gSA vkj-Vh-
th-,l- }kjk izs"k.k dh U;wure lhek #- 2 yk[k (15-11-2010 ls
izHkkoh) gS vkSj vf/kdre jkf'k dh dksbZ lhek ugha gSA vUrj cSd a izs"k.k
gsrq jkf'k dh dksbZ U;wure lhek ugha gSA
vkj Vh th ,l ds vUrxZr ysunsu djus okyh lHkh cSd a ks dh 70]000
ls vf/kd 'kk[kkvksa dks IFS Code (Indian Financial System Code)
vkoafVr dj fn, x, gS]a tks 11 laizrhdksa (Characters) dk ,YQkU;wesfjd
dksM gSA Q.M varj.k ds fy, okmPkj ij ykHkkFkhZ dk uke ,oa [kkrk la-
a ,oa 'kk[kk dk uke rFkk mldk IFS Code] Hksth tkus okyh
izkIrdrkZ cSd
jkf'k] xzkgd lans'k vkfn dk mYys[k fd;k tkrk gSA bl fooj.k dks okmpj
ij fy[k dj xzkgd }kjk gLrk{kj dj cSd a esa izLrqr fd;k tk ldrk gSA
eSlst Vkbi %
R-41 – xzkgd ds [kkrs ls xzkgd ds [kkrs dks jkf'k varj.kA
R-42 – cSd
a ds [kkrs ls cSd
a ds [kkrs dks jkf'k varj.kA
vf/kdkjh }kjk izfof"V ds vf/kizek.ku ds i'pkr UTRN (Unique
Transaction Reference Number) tfur gksrk gS tks 16 laizrhdksa
(Characters) dk ,YQkU;wesfjd dksM gksrk gSA ftldh enn ls izsf"kr
jkf'k dh igq°p ;k vU;Fkk tkudkjh izkIr dh tk ldrh gSA ;fn fuf/k
fuiVku (Settlement) ugha gqvk gksA rks /ku okilh dh izfÿ;k gsrq
;w-Vh-vkj-,u- dh vko';d gksrh gSA
izHkkjµ ck· izs"k.k (Outward remittances) &
#- 2 yk[k ls #- 5 yk[k rd & #- 25@ & izfr ysunsu
#- 5 yk[k ls vf/kd & #- 50@ & izfr ysunsu
[ 137 ]
 vUr% izs"k.k (Inward remittances)& fu%'kqYd
cSd
a ks dks ykHk %
(i) ,d gh Lÿhu dk iz;ksx
(ii) bySDV™kWfud ek/;e }kjk jkf'k varj.k dh Lopkfyr izfÿ;k
(iii) Rofjr izfÿ;k] rhoz xfr ls jkf'k dk varj.k
(iv) ekuo Je ,oa le; dh cpr
(v) fofo/k vk; dk L=ksr
(vi) cSd
a dh Nfo esa lq/kkj
(vii) /kks[kk/kM+h dh ux.; lEHkkouk] jkf'k lh/ks ykHkkFkhZ ds [kkrs esa tek
gksrh gSA
(viii) blesa ek= tek (Credit) izfof"V;k° gh mnxfer dh tkrh gS]a ukes
izfof"V;k° mnxfer ugha dh tkrhaA
xzkgd dks ykHk %
(i) jkf'k dk rqjUr varj.k & lkekU;r% 30 feuV esa
(ii) lsok 'kqYd vR;ar de
(iii) =qfV jfgr /ku izs"k.k dk ek/;e
(iv) O;olk;h leqnk; dks de ykxr ij izs"k.k lqfo/kk
(v) O;olkb;ksa dks jkf'k ds lkFk lans'k@ lwpuk Hkh Hkstus dh lqfo/kkA
ysunsu dk fu/kkZfjr le;
(i) xzkgd ls xzkgd ds [kkrs dks (eSlst Vkbi & R–41)
lkseokj ls 'kqÿokj rd & izkr% 9-00 cts ls vijkUg 4-30 cts rd
'kfuokj & izkr% 9-00 cts ls vijkUg 1-30 cts rd
(ii) vUrj cSd
a varj.k (eSlst Vkbi & R–42)
lkseokj ls 'kqÿokj rd & izkr% 9-00 cts ls vijkUg 6-00 cts rd
'kfuokj & izkr% 9-00 cts ls vijkUg 3-00 cts rd
us'kuy bysDV™kWfud Q.M V™kl
a Qj
(NEFT-National Electronic Fund Transfer)
vkj-Vh-th-,l- dh rjg gh ,u-bZ-,Q-Vh- dk mn~ns'; Hkh xzkgdksa dks ,d
cSd
a ds [kkrs ls nwljs cSd
a ds [kkrs esa bySDV™kWfud ek/;e ls vR;Ur de [kpsZ
[ 138 ]
ij Rofjr /ku varj.k dh lqfoËkk iznku djrk gSA ,u-bZ-,Q-Vh- }kjk U;wure
,oa vf/kdre izs"k.k dh dksbZ lhek ug∞ gSAa
vkj-Vh-th-,l- esa tgk° izR;sd ysunsu dk vyx&vyx rqjUr fuiVku
(Settlement) gksrk gS] ogha ,u-bZ-,Q-Vh- }kjk izsf"kr ysunsuksa dk fuiVku
fuEukuqlkj iwoZ fu/kkZfjr le; ij vyx&vyx cSpksa esa fd;k tkrk gS
vkSj fuoy jkf'k gh cSd a ksa ds [kkrksa esa tek dh tkrh gSAa blls ykHkkFkhZ ds
[kkrs esa jkf'k tek gksus esa vkj-Vh-th-,l- dh rqyuk esa vf/kd le; yxrk
gSA bl varj dks NksM+dj ;g ;kstuk Hkh vkj-Vh-th-,l- dh Hkk°fr gh gSA
eSlt s Vkbi R-41 dk iz;ksx fd;k tkrk gS A
s Vkbi & blesa flQZ ,d gh eSlt
izHkkj %
ck· izs"k.k (Outward remittances) :
#0 1 yk[k rd & #0 5@& izfr ysunsu
#0 1 yk[k ls vf/kd ,oa & #0 15@& izfr ysunsu
#0 2 yk[k ls de
#0 2 yk[k ,oa vf/kd & #0 25@& izfr ysunsu
vUr% izs"k.k (Inward remittances): & fu%'kqYd
vkj-ch-vkbZ- }kjk fu/kkZfjr Q.M lSVyesVa dk le; &
lkseokj ls 'kqÿokj & izkr% 9 cts ls lka; 7 cts rd gj ,d
?kaVs ds varj ij vFkkZr 9%00 10%00]
11%00] 12%00] 13%00] 14%00] 15%00]
16%00] 17%00] 18%00 ,oa 19%00 cts
'kfuokj & izkr% 9 cts ls nksigj 1 cts rd gj
,d ?kaVs ds varj ij vFkkZr 9%00]10%00]
11%00] 12%00] ,oa 1%00 cts

,dy f[kM+dh forj.k iz.kkyh

(Single Window Delivery System)
blds }kjk gekjh 'kk[kkvksa esa xzkgd dks ,d gh dkmUVj@ f[kM+dh
ij cSd
a }kjk iznku dh tkus okyh lHkh lsok,a miyC/k djkbZ tkrh gSa vkSj
vc xzkgd dks vius cSfa dax dk;ks± ds fy, vyx&vyx dkmUVj ij ugha
tkuk iM+rk gSA igys dh vis{kk xzkgd dk dk;Z tYnh iw.kZ gksrk gSA bl
izdkj cps vfrfj‰ le; ,oa LVkQ dks foi.ku] xzkgd vk/kkj
[ 139 ]
(Customer Base) c<+kus ,oa O;olk; o`fº esa yxk;k tk ldrk gSA

dksj cSfa dax lkWY;w'ku (Core Banking Solution)

mnkjhdj.k] futhdj.k vkSj Hkwe.Myhdj.k ds izHkkoksa ds dkj.k ns'k
ds cnyrs gq, vkfFkZd ifjn`';] futh ,oa fons'kh cSd a ksa ds [kqyus] vU; cSd
a ksa
ls xykdkV izfrLi/kkZ] gekjs xzkgdksa dh vis{kkvksa dks iwjk djus vkSj
viuh vxz.kh Hkwfedk dks cuk, j[kus gsrq gekjh cSd a us vius vkbZ-Vh-
lykgdkj ds-ih-,e-th- dh vuq'kalkvksa ds vk/kkj ij o"kZ 2002 esa dksj
cSfa dax viukus dk fu.kZ; fy;kA
dksj cSfa dax loZizFke gekjh oS;fDrd cSfa dax 'kk[kk] ghjkuUnkuh]
eqEcbZ esa 30 vxLr] 2003 dks ik;yV Lrj ij 'kq: dh xbZ ftlls gekjh
cSd a esa dksj cSfa dax ds u, ;qx dk lw=ikr gqvkA blls gekjh xzkgd lsok esa
lq/kkj] x`gdk;Z esa n{krk] C;kt x.kuk] iklcqd Nkius vkfn esa vklkuh
gqbZ gSA ekpZ 2011 ds var rd LVsV cSd a lewg dh lHkh 18]266 'kk[kk,a
dksj cSfa dax esa dk;Zjr FkhaA
dksj cSfa dax ls flxzkgdfi fdlh 'kk[kk fo'ks"k dk u gksdj flLVsV cSd a dk
xzkgdfi gks x;k gSA dksj cSfa dax }kjk xzkgd vc fdlh Hkh 'kk[kk ls viuk
cSfa dax ysunsu dk dk;Z dj ldrk gSA dksj cSfa dax esa cSDa l&24 (B@NCS-24)
lkW∂Vos;j mi;ksx esa fy;k x;k gS tks fd QkbusfUl;y usVodZ lfoZlst
izk- fy-] vkLV™sfy;k ls [kjhnk x;k gSA dksj cSfa dax dk loZj lSUV™ykbTM
MkVk lsUVj (CDC), Xykscy vkbZ- Vh- lsaVj] csykiqj] uoh eqEcbZ esa
LFkkfir gSA
dksj cSfa dax ds rgr dk;Z fnol dh 'kq:vkr (SOD) o dk;Z fnol dh
lekfIr (EOD) lsUV™ykbTM MkVk lsUVj] csykiqj }kjk gh dh tkrh gSA 'kk[kk
es a flLVe ,MfefuLV™ s V j dh vko';drk lekIr gks xbZ gS A
oh-oh-vkj- o vU; fjiksVs±] lh-Mh-lh- csykiqj }kjk gh cukbZ tkrh gS]a tks
,Q-Vh-ih- ds ekË;e ls 'kk[kk dks izsf"kr dj nh tkrh gSa vkSj 'kk[kk,a bUgsa
vius Lrj ij fu;fer Nkidj nSfud vk/kkj ij budh tk°p dj ldrh
gSAa blls 'kk[kk dh vkUrfjd x`g lTtk esa vkSj fu[kkj vk;k gS vkSj cSd a
dh csgrj Nfo cukus esa enn feyh gSA
LV™DpMZ Qkbusfa 'k;y eSlsftax flLVe (SFMS)
SWIFT dh txg vc u, fo'ks"k lkW∂Vos;j “SFMS" dks ykxw fd;k
x;k gSA ;g SWIFT QkjesV (izk#i) ij Hkkjrh; fjtoZ cSd
a (RBI) }kjk
[ 140 ]
rS;kj fd;k x;k gS] ftlls lwpuk isz"k.k esa lq/kkj o ykxr esa deh vkbZ gSA
dS'k eSustesUV izksMDV (CMP)
bls ,l-ch-vkbZ- QkLV (FAST– Funds Available in Shortest Time) ds
uke ls Hkh tkuk tkrk gSA ;g LVsV cSd a }kjk vius dkiksZjsV xzkgdksa dks
fufËk izcU/ku gsrq miyC/k djk;k x;k mRikn gSA blds }kjk fofHkUu dsUÊksa
esa fLFkr [kkrksa ls Q.M~l rhoz xfr lss ,d dsUÊ ij eq[; [kkrs esa vUrfjr
dj fn;s tkrs gSAa blls dkiksZjsV xzkgdksa dks vius O;olk; ds izfrfnu ds
dqy ysu nsuksa dh tkudkjh nSfud vk/kkj ij vklkuh ls gks tkrh gS vkSj os
vius Q.Ml@ fuf/k;ksa dk csgrj izcU/ku@ mi;ksx dj ldrs gSAa
LVsV cSd
a dh osclkbVsa %
gekjs cSd
a dh nks osclkbVsa gS&
a
1. www.sbi.co.in
2. www.statebankofindia.com
bu lkbVkas ij cSd
a ds lHkh mRikn@ lsok,°@ lwpuk,° vkSj ubZ tkudkfj;k°
miyC/k gSAa
oLrqfu"B iz'u
1- vkbZ,Q,llh (Indian Financial System Code) fdrus laizrhdksa
(djsDVlZ) dk gksrk gS \
(v) 9 (c) 10
(l) 11 (n) 13
2- ,evkbZlhvkj (MICR) dksM fdrus vadksa (fMftV) dk gksrk gS\
(v) 9 (c) 10
(l) 11 (n) 13
3- vkbZ,Q,llh (Indian Financial System Code) vaxt sz h ds o.kkZ{kjksa
,oa vadksa ls cuk (,YQkU;wesfjd) 11 laizrhdksa (djsDVlZ) dk dksM
gSA ;g fdldh igpku n'kkZrk gS\
(v) cSda ,oa mldh 'kk[kk (c) cSda ,oa flVh
(l) 'kk[kk ,oa flVh (n) flVh ,oa 'kk[kk
4- ^ekbdj* (MICR) iºfr dh vko';drk D;ksa eglwl gqbZ \
(v) dEI;wVjksa dk cSd a ksa esa izHkkoh mi;ksx lEHko ugha FkkA
(c) cSd a ksa esa /kks[kk/kM+h ds ekeyksa dh jksdFkke djus gsrqA
(l) lek'kks / ku (Clearing) dh iz f ÿ;k dks xfr iz n ku djus
,oa lek'kks/ku esa gksus okyh nsjh ls cpus ds fy,A
[ 141 ]
 (n) xzkgdksa ds vkilh ysunsuksa dks lqxe cukus ds fy,A
5- ^ekbdj* (MICR) iºfr gsrq fdu e'khuksa dh vko';drk gksrh gS \
(v) tek djus okyh e'khu o dsydqysVj
(c) ,UdksMj lkSVZj@ jhMj (Encoder Sorter/ Reader)
(l) NksVs ,oa cM+s dEI;wVj
(n) ekWMe
6- LFkkuh; iz/kku dk;kZy; Lrj ij DEI;wVjhdj.k ,oa lapkj dks
fu;fU=r djus okys foHkkx dk D;k uke gS \
(v) vkbZ- Vh- lsok,° foHkkx (c) lh ,.M lh foHkkx
(l) vkbZ- Vh- usV foHkkx (n) vkbZ- Vh- lqj{kk foHkkx
7- Hkkjrh; fjtoZ cSd
a ds 01 tqykbZ] 2011 ls ykxw funsZ'kkuqlkj tgk°
,-Vh-,e- ysunsuksa esa xyrh ls jkf'k xzkgd ds [kkrs esa ukes gks tkrh
gS ysfdu xzkgd dks udn jkf'k dk Hkqxrku ugha fd;k x;k gS] ogk°
xzkgd ls f'kdk;r izkIr gksus dh frfFk ls fdrus dk;Zdkjh fnuksa
(Working Days) ds vanj cSd a }kjk xzkgd dks jkf'k dh izfriwfrZ
(Reimbursement) dj nh tkuh pkfg, \

(v) 7 fnu (c) 10 fnu (l) 12 fnu (n) 15 fnu

8- gekjhs cSd
a eas lwpuk rduhdh dh lqj{kk dh ns[kjs[k dkSu lk foHkkx
djrk gS \
(v) vkbZ- Vh- lqj{kk (c) bUQkWesZ'ku flD;ksfjVh fMikVZes.V
(l) lh ,.M lh foHkkx (n) vkbZ- Vh- lsok foHkkx
9- a lwpuk ,oa lapkj izc/a ku laLFkku (SBIICM) dh LFkkiuk
LVsV cSd
1988 esa gqbZA ;g dgk° fLFkr gS \
(v) gSnjkckn (c) eqEcbZ
(l) xqM+xk°o (n) ubZ fnYyh
10- gekjs cSd
a dh fdl 'kk[kk eas dksj cSfa dax lcls igys izkjEHk gqbZ\
(v) cSdcs fjDyses'ku 'kk[kk] eqEcbZ
(c) okf.kT; 'kk[kk] eqEcbZ

[ 142 ]
 (l) ih- ch- ch- ghjkuUnkuh eqEcbZ
(n) nknj] eqEcbZ
11- vksYVkl (OLTAS) ls D;k rkRi;Z gS \
(v) vkWuykbu VSDl ,dkmf.Vax lfoZlst
(c) vkWuykbu VSDl vkfMV lfoZlst
(l) vkWuykbu VSDl ,dkmf.Vax flLVe
(n) vkWuykbu VSDl vkWfMV flLVe
12- 31 ekpZ] 2011 rd LVsV cSd
a lewg us fdrus ,-Vh-,e- LFkkfir fd, gS\a
(v) 8]581 (c) 17]479
(l) 21]485 (n) 25]005
13- ekpZ 2012 ds var rd oSdfYid ek/;eksa ;Fkk ,-Vh-,e-] bUVjusV
cSfa dax] eksckby cSfa dax vkfn ds }kjk fd, tkus okys ysu&nsuksa dks
dqy ysu nsuksa dk fdrus izfr'kr djus dk y{; j[kk x;k gS\
(v) 23¯ (c) 25¯
(l) 40¯ (n) 50¯
a us dksj cSfa dax lqfo/kk gsrq lkW∂Vos;j - B@NCS–24 fdl
14- gekjs cSd
dEiuh ls [kjhnk gS\
(v) fdaMys cSfa dax dkjiksjs'ku] vk;jySM
a
(c) ekbÿkslkW∂V] ;w-,l-,-
(l) VkVk dUlYVsl
a h lfoZlst] Hkkjr
(n) Qkbusfa U'k;y usVodZ lfoZlst izk- fy-] vkWLVs™fy;k
15- gekjs cSda }kjk tkjh u, mRikn ^^,lchvkbZ fefu lsfoaXl cSd a
,dkm.V** rFkk eksckby Qksu vk/kkfjr /ku izs"k.k lqfo/kk ^^,lchvkbZ
fefu jsfeVsl
a ** gsrq fdl dEiuh dh rduhdh lsokvksa dh lgk;rk
yh xbZ gS\
(v) eS-a Vhlh,l fy-
(c) eS- bZdks bf.M;k Qkbusfa 'k;y lfoZlst izk- fy-

[ 143 ]
 (l) eS- ,e lkslZ bf.M;k izk- fy-
(n) eS- vkWjsdy bf.M;k izk- fy-
16- vksYVkl (OLTAS) fdl izdkj ds djksa (Taxes) ds ysunsuksa dh fjiksfVZx
a
gsrq iz;qDr lkW∂Vos;j gS\
(v) izR;{k dj (Direct Taxes) (c) vizR;{k dj (Indirect Taxes)
(l) mRiknu dj (Excise Duty) (n) ewY; laof/kZr dj (VAT)
17- fl,l-ch-vkbZ- vkWuykbufi ls D;k rkRi;Z gS \
(v) /ku izs"k.k gsrq u;k mRikn
(c) ,-Vh-,e- usVodZ
(l) gekjs cSda dh bUVjusV cSfa dax lsok,a
(n) 'kk[kkvksa dk dksj cSfa dax esa dk;Z djuk
18- dksj cSfa dax dk fMtkLVj fjdojh lsUVj dgk° gS\
(v) psUubZ (c) csykiqj] eqEcbZ
(l) uks,Mk (n) dksydkrk
19- tks Hkkjrh; fons'k esa jgrs gSa mudh jkf'k eksckby Qksu ds tfj, Hkkjr
esa Hkstus gsrq Hkkjrh; LVsV cSda us fdl dEiuh ls xBtksM+ fd;k gS\
(v) ch-,l-,u-,y- (c) Hkkjrh ,;jVsy
(l) VkVk bf.MdkWe (n) fjyk;al VsyhdkWe
20- xzkgdksa ds xSj fuf/k vk/kkfjr (N FB) ysunsu tSls ,y-lh-
(ySVj vkWQ ÿsfMV) ,oa ch-th- (cSd
a xkjaVh) vkfn ls lEcfU/kr dk;ksZa
gsrq gekjs Vh-,Q-lh-ih-lh- (TFCPC) }kjk dkSu&lk lkW∂Vos;j
iz;ksx esa yk;k tkrk gS \
(v) cSDa l &24 (c) Qkbusla ou
(l) V™sM Qkbusl
a lkY;w'ku (n) fQusdy
21- cSfa dax lanHkZ esa fiu (PIN) ls D;k rkRi;Z gS\
(v) iklcqd bUMsDl uEcj
(c) ilZuy bUMSDl uEcj

[ 144 ]
 (l) iklcqd vkbZMsfUVfQds'ku uEcj
(n) ilZuy vkbMsfa VfQds'ku uEcj
22- dksj cSfdax esa lhvkbZ,Q (CIF) fdrus vadksa (DIGITS) dk gksrk gS\
(v) 9 (c) 10
(l) 11 (n) 13
23- 'kk[kk dk lkekU; dkedkt ckf/kr gksus dh fLFkfr esa mls de ls
de le; esa lkekU; voLFkk esa ykus dk izc/a k djus gsrq 'kk[kk }kjk
rS;kj nLrkost ftls fu;a=d izkf/kdkjh ds vuqeksnu ds i'pkr
^^'kk[kk nLrkost** jftLVj esa izfo"V fd;k tkrk gS] D;k dgykrk
gS \
(v) fMtkLVj fjdojh izksxzke (c) fMtkLVj fjgsfcfyVs'ku izkx
s kz e
(l) fMtkLVj fjdojh Iyku (n) fMtkLVj fjgsfcfyVs'ku Iyku
24- LVsV cSd
a lewg dh 'kk[kkvksa vkSj dk;kZy;ksa dks vkil esa tksM+us gsrq
mi;ksx esa yk, tk jgs ra= (O;oLFkk) dks D;k uke fn;k x;k gS \
(v) ,l ch vkbZ duSDV (c) LVsV cSd
a (,l ch) duSDV
(l) ,l ch xqzi duSDV (n) mijksDr esa ls dksbZ ugha
25- baLVsVa eksckby isesaV lfoZl (vkbZ-,e-ih-,l-) }kjk ,d fnu esa
vfËkdre fdruh jkf'k varfjr dh tk ldrh gS\
(v) :- 5]000@& (c) :- 10]000@&
(l) :- 40]000@& (n) :- 50]000@&
26- vkj-,-ch-,e-,u- dk foLr`r #i gSA
(v) fjeksV ,fj;k cSd
a ekdsZfVax usVodZ
(c) fjeksV ,fj;k fctuSl ekdsZfVax usVodZ
(l) fjeksV ,fj;k fctuSl eslst usVodZ
(n) :jy ,fj;k fctusl eSlst usVodZ
27- vkj-,-ch-,e-,u- ds fy, D;k mi;qDr ugha gS \
(v) bl iz.kkyh ls lans'k mixzg ls Hksts tkrs gSAa
(c) ;g ohlsV VSAT iz.kkyh ij vk/kkfjr gSA
(l) bl iz.kkyh esa lans'k nwjHkk"k ykbu ls izsf"kr gksrs gSAa
[ 145 ]
 (n) bl iz.kkyh esa lans'k izs"k.k dh xfr yxHkx 1-20 yk[k fdeh@
lS- gksrh gSA
28- LVsV cSd
a (,l-ch-) dusDV ds fy, D;k ykxw ugha gS \
(v) blds }kjk lans'k Hkkjrh; LVsV cSd
a dh 'kk[kkvks]a lhihlh bdkb;ksa
,oa dk;kZy;ksa ds chp gh Hkstk tk ldrk gSA
(c) bl usVodZ ls LVsV cSd a dk;kZy;ksa ds chp ok;l lans'k] bZ&esy]
MkVk vkfn ds lkFk&lkFk rLohjks@a pyfp=ksa dk Hkh izs"k.k fd;k
tk ldrk gSA
(l) bl usVodZ dk j[k j[kko gekjs vkbZ- Vh- lsok,a foHkkx }kjk
fd;k tkrk gSA
(n) blds }kjk LVsV cSd a lewg ds lHkh ,-Vh-,eks-a dks tksM+ fn;k x;k gSA
29- dksj cSfa dax esa dkSu lk lkW∂Vos;j iz;ksx esa ugha yk;k tkrk gS \
(v) Qkbusl a ou (c) Vs™M Qkbusl
a
(l) csl & 24 (n) caDS l&24
30- bUVjusV cSfa dax ds fy, D;k ykxw ugha gS \
(v) bUVjusV cSfa dax xzkgd dks ;wtj vkbZ-Mh- ikloMZ fn;k tkrk gSA
(c) bUVjusV cSfa dax }kjk xzkgd vius [kkrs dk fooj.k izkIr dj
ldrk gSA
(l) bUVjusV }kjk xzkgd fdlh Hkh usVodZ dEI;wVj ls vius [kkrs esa
cSfa dax ysu nsu dj ldrk gSA
(n) bUVjusV cSafdax }kjk pSdksa dh fDy;fjax dk dk;Z fd;k tk
ldrk gSA
31- lh-vkbZ-,Q-@ [kkrk la[;k dk vafre vad D;k dgykrk gS \
(v) pSd fMftV (c) VSLV fMftV
(l) dkWy fMftV (n) D;qeqysfVo fMftV
32- dksj cSfa dax esa mi;ksxdrkZ dk ikloMZ de ls de fdrus laizrhdksa
(Characters) dk gksuk pkfg,\
(v) pkj (c) ik°p (l) N% (n) vkB
33- dksj cSfa dax esa ikloMZ U;wure 6 djSDVj (laizrhdks)a dk gksuk
pkfg,A ,d vPNs ikloMZ gsrq fuEu esa ls fdl izdkj ds 6 djsDVlZ

[ 146 ]
 dks pquk tkuk pkfg, \
(v) vad ,oa v{kj (c) vad ,oa fo'ks"k fpUg
(l) v{kj ,oa fo'ks"k fpUg (n) v{kj] vad ,oa fo'ks"k fpUg
34- MsV (DAT) ls D;k rkRi;Z gS \
(v) MkVk vkdhZOM Vsi (c) fMftVy vkdhZOM Vsi
(l) fMftVy vkWfM;ks Vsi (n) MkVk ,Iyhds'ku Vsi
35- bZ&O;olk; (e-Business) dk D;k vFkZ gS \
(v) vejhdk ds lkFk O;olk; bl ek/;e ds }kjk gh gksrk gSA
(c) baVjusV ds ek/;e ls fd;k tkus okyk O;kikj
(l) O;olk; ftlesa Hkqxrku (ysu&nsu) oftZr gksA
36- MqIyhdsV ,- Vh- ,e- dkMZ tkjh djus ds fy, fdruk 'kqYd olwy
fd;k tkrk gS \
(v) #- 200@ & (c) #- 100@&
(l) fu%'kqYd (n) tkjh ugha fd;k tk ldrk
37- dksj cSfa dax gsrq eq[; loZj dgk° fLFkr gS\
(d) th-,y-,l-] eqEcbZ
(c) lsUV™y MkVk lsUVj] th-vkbZ-Vh-lh-] csykiqj] uoh eqEcbZ
(l) lh-Mh-lh-] cSx a yksj
(n) Mh-vkj-ih-] pSUubZ
38- 'kfuokj dks NksM+dj vU; dk;Z fnolksa esa xzkgd ls xzkgd ds [kkrs
(eSlst Vkbi R-41) esa /ku izs"k.k gsrq vkj-Vh-th-,l- ysunsuksa dk
le; D;k gS\
(v) izkr% 10-00 cts ls lk;a 5-00 cts rd
(c) izkr% 10-00 cts ls lk;a 4-00 cts rd
(l) izkr% 9-00 cts ls lk;a 4-30 cts rd
(n) izkr% 9-00 cts ls lk;a 4-00 cts rd
39- cSd
a us ,-Vh-,eks-a ds j[kj[kko gsrq fdl ,tsl
a h dks vkmV lkslZ fd;k gS\
(v) LikblusV] Vhlh,l] foizks
(c) ,u-lh-vkj-] ,Q,l,l] MkbcksYM

[ 147 ]
 (l) ,p-lh-,y-] ,elkslZ] ,lsUpj
(n) bUQksfll] vkbZch,e] efgUÊk lR;e
40- ^^ekWMe** D;k dk;Z djrk gS \
(v) dksj cSfa dax ds loZj dks lh- Mh- lh- ls tksM+us dk dk;Z djrk gSA
(c) vkus tkus okys ladsrkas dh xfr ,oa fn'kk fu/kkZfjr djrk gSA
(l) 'kk[kk dh dusfDVfoVh dks csgrj cukus dk dk;Z djrk gSA
(n) fMftVy ladsrksa dks ,ukykWx ,oa ,ukykWx ladsrks dks fMftVy
ladsrksa es ifjofrZr djus dk dk;Z djrk gSA
41- Hkkjrh; LVsV cSd
a }kjk igyk ,-Vh-,e- fdl o"kZ esa yxk;k x;k\
(v) 1988 (c) 1996
(l) 1993 (n) 1998
a ds ,-Vh-,e- fLop lsVa j (ASC) ds ckjs
42- csykiqj] eqEcbZ esa fLFkr cSd
esa fuEu dFku lgh (Factual statement) gS %
(v) Hkkjrh; LVsV cSd a rFkk mlds lHkh lg;ksxh cSd a ksa ds ATMs esa
j[kk gqvk dS'k ASC dk dS'k cSysl a ekuk tkrk gSA
(c) LkHkh ,-Vh-,e- dkMksZa ds fiu ,-Vh-,e- fLop lsVa j esa l`ftr
(tujsV) fd, tkrs gSAa
(l) xqe gq, dkMksZa dh gkWV fyfLVax ,-Vh-,e- fLop lsUVj esa gksrh gSA
(n) mijksDr lHkhA
43- Hkkjrh; LVsV cSad dh 'kk[kkvksa ,oa ,-Vh-,eksa esa V-SAT }kjk
Connectivity fdl Vendor }kjk nh tk jgh gS \
(v) Datacraft (c) HCL Comnet
(l) Infinet (n) Reliance Infocom
44- ,-Vh-,e- ls izkIr feuh ,dkm.V LVsVesUV esa vfUre fdrus ysu nsuksa
dk fooj.k gksrk gS \
(v) 10 (c) 8 (l) 6 (n) 5
45- gekjs cSd
a esa ,d dEI;wVj ls nwljs dEI;wVj dks Qkbysa Hkstus ds fy,
vkbZih eSlsUtj ds LFkku ij iz;ksx dh tk jgh ubZ iz.kkyh (flLVe)

[ 148 ]
 dk D;k uke gS\
(v) jh;y Vkbe eSlsUtj (c) jh;y Vkbe dusDV
(l) bULVsVa dusDV (n) lse Vkbe dusDV
46- fdl frfFk ds ckn tkjh fd, x, ,-Vh-,e- lg MsfcV dkMksZa dh
oSËkrk 31 fnlEcj] 2049 rd gS \
(v) 13-10-2002 (c) 01-11-2003
(l) 01-01-2004 (n) 13-11-2002
47- bUVjusV cSfa dax ikloMZ esa U;wure o vf/kdre fdrus laizrhd
(v{kj] vad ,oa fo'ks"k fpUg) (Characters) gks ldrs gS \
(v) 6 & 8 (c) 6 & 10 (l) 8 & 10 (n) 8 & 20
48- ikloMZ lqj{kk dh n`f"V fuEu esa ls dkSu lk ,d vPNk fodYi gS\
(v) viuk ikloMZ fy[k dj j[ksa rFkk dHkh&dHkkj gh cnysAa
(c) viuk ikloMZ vius lkFkh@ vf/kdkjh dks vo'; crk,a rkfd
Hkwy tkus ij muls iwN ldsAa
(l) viuk ikloMZ ;kn djsa ,oa xqIr j[ksa rFkk vko';drkuqlkj
,oa fu;fer vUrjky ij cnyrs jgsAa
(n) viuk ikloMZ vius vf/kdkjh dh mifLFkfr esa gh cnysa rkfd
mUgsa bldh tkudkjh gks ldsA
49- SWIFT dk eq[;ky; dgk° gS\
(v) gk°xdk°x (c) yUnu
(l) czqlsYl (n) eqEcbZ
50- LVsV cSd
a }kjk rSjrk gqvk ,-Vh-,e- dgk° LFkkfir fd;k x;k\
(v) dsjy (>adkj cksV) (c) eqEcbZ
(l) yUnu (n) d'ehj
51- dksj cSfa dax esa lh vkbZ ,Q ,oa [kkrk la[;k fdrus vadksa dk gksrk gS\
(v) 10 (c) 11
(l) 13 (n) mijksDr esa ls dksbZ ugha
52- dksj cSfa dax lkW∂Vos;j B@NCS-24 dks gekjs cSd
a dh vko';drkvkas
ds vuq#i cukus (System Integration and Customisation) dk dk;Z
[ 149 ]
 fdl Hkkjrh; dEIkuh us fd;k gS\
(v) foizks fy- (c) lR;e dEI;wVj ,.M lfoZlst fy-
(l) VkVk Vsyh lfoZlsT+k fy- (n) VkVk dUlyVsUlh lfoZlsT+k fy-
53- dksj cSfa dax esa mi;ksxdrkZ igpku (User ID) D;k gS\
(v) mi;ksxdrkZ deZpkjh@ vf/kdkjh }kjk pquh x;h la[;k
(c) mi;ksxdrkZ deZpkjh@ vf/kdkjh dh tUe frfFk
(l) mi;ksxdrkZ deZpkjh@ vf/kdkjh dk Hkfo"; fuf/k lwpdkad
(PF Index No.)
(n) mijksDr esa ls dksbZ Hkh ughaA
54- orZeku esa ,-Vh-,e- ij lans'k@ ehuw fgUnh ,oa vaxzsth ds vfrfjDr
LFkkuh; Hkk"kkvksa esa Hkh miyC/k gSAa
(v) lgh (c) xyr
55- lh-ch-,l- esa ,d VSyj (mi;ksxdrkZ) }kjk fd, x, dk;Z dh tkap
fdl fjiksVZ }kjk dh tkrh gS\
(v) Ms cqd (c) okmPkj oSfjfQds'ku fjiksVZ
(l) th,ylhvks,eih (n) th,ylh,uVhvkj
56- dksj cSfa dax esa dkWiksZjsV tujy yStj (lh-th-,y-) fdl lkW∂Vos;j
dh enn ls rS;kj fd;k tkrk gS \
(v) B@ncsLink (c) Finacle
(l) Finance One (n) Datashift
a dusDV (SB Connect) gsrq iV~Vs ij yh xbZ VsyhQksu ykbu
57- LVsV cSd
(Dedicated Leased Line) dh ns[kHkky dkSu djrk gS\
(v) ,Q-,u-,l-] vkLVs™fy;k (c) ,p-ih- flLVe] ;w-,l-,-
(l) MkVk ÿk∂V] flaxkiqj (n) Vh-lh-,l-] Hkkjr
58- dksj cSafdax esa ,d la;qDr [kkrk [kksyus ds fy, lh-vkbZ-,Q-
(Customer Information File & xzkgd lwpuk Qkby) fdu&fdu
ds fy, cukuk pkfg, \
(v) lHkh la;qDr [kkrk/kkfj;ksa ds fy, vyx&vyxA
(c) lHkh la;qDr [kkrk /kkfj;ksa ,oa ifjpk;d ds fy, vyx&vyx
(l) lHkh la;qDr [kkrk /kkfj;ksa ,oa ukekafdr (Nominee) ds fy,

[ 150 ]
 vyx&vyxA
(n) lHkh la;qDr [kkrk /kkfj;ks]a ifjpk;d ,oa ukekafdr (Nominee)
ds fy, vyx&vyxA
59- vkWijs'ku pSrU; fdlls lEcfU/kr gS\
(v) eksckby cSfa dax (c) Vsyh cSfa dax
(l) fjVsy bUVjusV cSfa dax (n) czkp
a cSfa dax
60- dksj cSfa dax esa fnol lekiu (EOD) dk;Z fdlds }kjk fd;k tkrk
gS \
(v) lh-Mh-lh-] thvkbZVhlh] csykiqj
(c) 'kk[kk }kjk
(l) vius&vius LFkk- iz- dk;kZy; (LHO) ds vkbZ-Vh- (IT) foHkkx
(n) LFkk- iz- dk;kZy; (LHO) Lrj ij dsna zhd`r izlLa dj.k lSy (CPC)
61- Hkkjrh; LVsV cSd
a dh bUVjusV cSfa dax lkbV dkSu lh gS \
(v) www.sbi.co.in (c) www.statebankofindia.com
(l) www.onlinesbi.com (n) www.inbsbi.com
62- Hkkjrh; LVsV cSd
a esa oS;fDrd [k.M ds xzkgdksa ds fy, bUVjusV cSfa dax
lqfo/kk dc ls 'kq: dh xbZ\
(v) 1 vxLr] 2000 (c) 31 tqykbZ] 2001
(l) 31 tqykbZ 2002 (n) 1 vxLr] 2002
a }kjk dkikZsjsV bUVjusV cSfa dax (CINB) dh lqfo/kk dc ls
63- gekjs cSd
izkjEHk dh xbZ \
(v) 1 ekpZ] 2002 (c) 1 tqykbZ] 2003
(l) 1 tqykbZ] 2002 (n) 1 viSzy] 2003
64- lh- ch- ,l- es [kksys x, [kkrs dk LVsV~l ^^vksiu** gks] bl gsrq lh-
vkbZ- ,Q- cukrs le; ds okbZ lh ds vUrxZr U;wure Ldksj fdruk
gksuk pkfg, \
(v) 11 (c) 99 (l) 110 (n) 121
65- ,d fnu esa ,d ,-Vh-,e-&lg&MSfcV dkMZ ls fdlh O;kikfjd
izfr"Bku (Merchant Establishment)/ fcÿh LFky (Point of Sale)

[ 151 ]
 ij vf/kdre fdruh jkf'k rd dk Hkqxrku fd;k tk ldrk gS \
(v) #- 15]000@ & (c) #- 25]000@ &
(l) #- 45]000@ & (n) #- 50]000@ &
66- ,-Vh-,e- dkMZ [kks tkus dh lwpuk izkfIr ij 'kk[kk }kjk ,-Vh-,e-
dkMZ la[;k dh lwpuk rqjr a fdUgsa vxszf"kr djuh pkfg,\
(v) thbZ dSihVy
(c) ,-Vh-,e- fLop lsVa j] csykiqj
(l) ,ulhvkj dkWiksZjs'ku
(n) l-egk-izc-a (,-Vh-,e-) dsUnzh; dk;kZy;
67- gekjs cSd
a dk ,Vh,e lg&MsfcV dkMZ/kkjd nwljs cSd
a ksa ds ,-Vh-,e-
ls ,d fnu esa vf/kdre fdruh udn jkf'k vkgfjr dj ldrk gS\
(v) #- 5]000@& (c) #- 10]000@&
(l) #- 25]000@& (n) #- 40]000@&
68- izR;{k djksa tSls vk;dj] lEink dj] dkiksZjsV dj] migkj dj
vkfn ds ysu&nsu ,oa bySDV™kWfud fjiksZfVax ds fy, Hkkjrh; LVsV cSd
a
}kjk iz;ksx fd;k tk jgk lkW∂Vos;j OLTAS fdlus rS;kj fd;k gS\
(v) IDRBT (c) SBI
(l) Infosys (n) TCS
69- eksckby cSfa dax lsok fdl Js.kh ds xzkgdksa dks miyC/k gksxh \
(v) ,sls xzkgd ftuds ikl lfÿ; (Operative) [kkrs gSAa
(c) larks"ktud :i ls ifjpkfyr cpr [kkrk] pkyw [kkrk /kkjd
(l) [kkrs dks ifjpkfyr djus dk vf/kdkj j[kus okys xzkgd
(n) mijks‰ lHkh
70- Hkkjrh; LVsV cSd
a dk th bZ dSfiVy fctusl izkslsl eSustesVa lfoZlst
fy0 (GECBPMSL) esa fdruk fgLlk ('ks;j) gS\
(v) 74% (c) 60% (l) 40% (n) fujad
a }kjk ubZ IT Policy vkSj Information System Security
71- gekjs cSd

[ 152 ]
 Policy dc ls ykxw dh xbZ gS\
(v) 03-06-04 (c) 01-04-04
(l) 28-07-04 (n) 31-03-06
72- [kkrksa dks ,d dksj cSfa dax 'kk[kk ls nwljh dksj cSfa dax 'kk[kk esa
vUrfjr djus gsrq D;k dk;Zokgh djuh gksxh \
(v) [kkrk can dj jkf'k M™k∂V }kjk nwljh 'kk[kk dks izsf"kr dh tk,xhA
(c) dksj cSfa dax esa [kkrs LFkkukarfjr ugha fd, tk ldrsA
(l) [kkrs dh x`g 'kk[kk (gkse cazkUp) cny nsx a sA
(n) mijksDr esa ls dksbZ ug∞
73- Hkkjrh; LVsV cSd
a dh baVjusV cSfa dax lkbV dh lqj{kk fdlds }kjk
izekf.kr dh xbZ gS\
(v) SECURESIGN (Ck) INBSIGN
(Lk) TRUESIGN (n) VERISIGN
74- dksj cSfa dax esa lfoZl eSustj (ys[kkiky) dks D;k dgk tkrk gS\
(v) okYV VSyj (c) okYV dLVksfM;u
(l) ;w- lh- vks- (n) VSyj
75- 12 tqykbZ] 2009 dks dsUÊh; foŸk ea=h Jh iz.ko eq[kthZ }kjk
i- caxky esa fdl LFkku ls gekjs cSd a dh 154 'kk[kkvksa vkSj 1540
,-Vh-,eksa dk mn~?kkVu fd;k x;k\ ftlls gekjs cSd a us ,d fnu esa
lokZf/kd 'kk[kk [kksyus@ ,-Vh-,e- LFkkfir djus dk fjdkMZ cuk;k gSA
(v) fenukiqj (c) gkoM+k
(l) taxhiqj (n) uanhxzke
76- gekjs cSd
a dh bUVjusV cSfa dax lsok gsrq lfoZl izksokbMj dkSu gS \
(v) eS- bUQksfll (c) eS- foizks VSDuksykWthl izk- fy-
(l) vkWjsdy bf.M;k izk- fy- (n) eS- efgUnzk lR;e
77- MS'k cksMZ D;k gS\
(v) 'kk[kkvks@a dk;kZy;ksa dh duSfDVfoVh dh fLFkfr ij utj j[kus
ds fy, MkVk ÿk∂V }kjk iz;ksx fd;k tk jgk ,d lk∂Vos;jA
(c) 'kk[kkvks@a dk;kZy;ksa esa duSfDVfoVh dh fLFkfr lq/kkjus ds fy,

[ 153 ]
 yxk;k x;k u;k gkMZos;jA
(l) dksj cSfa dax 'kk[kkvksa ds fy, pkyw fd;k x;k lfoZl MSLdA
(n) mijksDr esa ls dksbZ ughaA
78- dksj cSfa dax es ch th ,y rS;kj djus gsrq fdl lkW∂Vos;j dk iz;ksx
fd;k tkrk gS \
(v) fQusdy (c) Qkbusl a ou
(l) csl & 24 (n) cSDa l&24
79- baVjusV cSfa dax lqfo/kk izkIr djus okys xzkgdksa ls fdl nj ls okf"kZd
'kqYd olwy fd;k tkrk gS&
(v) #- 200@& izfr o"kZ (c) #- 150@ & izfr o"kZ
(l) #- 100@ & izfr o"kZ (n) dksbZ 'kqYd ugha
80- gekjs cSd
a }kjk 21 fnlEcj] 2009 ls ,Vh,eksa vkSj foÿ; LFkyksa
(ikbaV vkWQ lsy) ij gq, ysunsuksa ds lEcU/k esa f'kdk;rksa ds 'kh?kz
fuiVku gsrq izkjEHk dh xbZ ubZ iz.kkyh dk D;k uke gS\
(v) dEIysVa fjM™sly flLVe (c) dEIysVa eSustesVa flLVe
(l) xzhokalst fjM™sly flLVe (n) mijksDr esa ls dksbZ ugha
81- foyfEcr vof/k ds n.MkRed C;kt ls cpus ds fy, 01-01-2009
ls ljdkjh ysunsuksa gsrq izkIr Hkqxrkuksa dk ljdkjh foHkkxksa dks
fdruh le;kof/k esa izs"k.k dj fn;k tkuk pkfg, &
(v) Vh $ 1 fnu] iqV Fkzw frfFk dks feykdj
(c) Vh $ 1 fnu] iqV Fkzw frfFk dks NksM+dj
(l) Vh $ 2 fnu] iqV Fkzw frfFk dks NksM+dj
(n) Vh $ 3 fnu] iqV Fkzw frfFk dks NksM+dj
82- Hkkjrh; fjtoZ cSd a us okf.kfT;d cSd
a ks dks dqN egRoiw.kZ foojf.k;k°
izsf"kr djus gsrq vks-vkj-,Q- ,l- iz.kkyh ykxw dh gSA ;gk° vks-vkj-
,Q-,l- (ORFS) ls D;k rkRi;Z gS \
(v) vkWuykbu fjiksVZ QkWesZV flLVe
(c) vkWuykbu fjiksVZ Qkbfyax flLVe
(l) vkWuykbu fjVuZ QkWesZV flLVEk
(n) vkWuykbu fjVuZ Qkbfyax flLVe

[ 154 ]
83- gekjs cSd
a us ck;ksefS V™d fof/k ;Fkk vaxqfy;ksa dh Nki ds vk/kkj ij
igpku djus okyk dkSu lk dkMZ tkjh fd;k x;k gS \
(v) ,l ch vkbZ uks f›y dkMZ (c) ,l ch vkbZ ›hMe
(l) ,l ch vkbZ fVuh dkMZ (n) ,l ch vkbZ xksYMdkMZ
84- fQf'kax D;k gS \
(v) fdlh ds ;wtj vkbZMh ,oa ikloMZ ;k fiu dh bUVjusV }kjk
Ëkks[kkËkM+h ls tkudkjh izkIr djuk
(c) cSd a }kjk eksckby cSfa dax esa /kks[kk/kM+h jksdus gsrq lkW∂Vos;j
(l) nwjLFk LFkku ls fdlh dEI;wVj dks fu;af=r djuk
(n) ,d izdkj dk dEI;wVj [ksy
85- ^^n cSd
a j** if=dk] yUnu }kjk ,d ek= Hkkjrh; cSd a & Hkkjrh;
LVSV cSd
a dks dkSu lk iqjLdkj iznku fd;k x;k gS \
(v) fjVsy dksj cSfa dax (c) vksoj vkWy fjVsy VSDuksykWth izksMDV
(l) v ,oa c nksuksa (n) mijksDr esa ls dksbZ ugha
86- vkj ch vkbZ dk;Zdkjh lewg }kjk {ks=h; xzkeh.k cSd
a ksa dks dc rd
dksj cSfa dax IysVQkeZ ij ykus dk lq>ko fn;k x;k gS \
(v) fnlEcj 2009 (c) ekpZ 2010
(l) ekpZ 2011 (n) flrEcj 2011
87- fjVsy bUVjusV cSfa dax }kjk xzkgd ,d fnu esa r`rh; i{k ds [kkrs esa
vf/kdre fdruh jkf'k vUrfjr dj ldrk gS\
(v) #- 50]000@ & (c) #- 1]00]000@ &
(l) #- 5 yk[k (n) dksbZ ≈ijh lhek ugha
88- gekjs cSd
a }kjk tkjh u, mRikn ^^,lch Vkbuh lsfoaXl cSd a ** ,oa
^^,lch Vkbuh fjdfjax** [kkrs fdu {ks=ksa gsrq tkjh fd, x, gS\a
(v) xzkeh.k (c) xzkeh.k ,oa vºZ'kgjh
(l) vºZ'kgjh ,oa 'kgjh (n) 'kgjh ,oa eSV™ks
89- gekjs cSda }kjk , Vh ,e&lg&MsfcV dkMZ fu%'kqYd tkjh fd, tkrs
gSAa , Vh ,e lg MsfcVdkMZ tkjh djus ds nwljs o"kZ ls dkMZ dk okf"kZd
j[k j[kko 'kqYd fdruk olwy fd;k tkrk gS\
(v) #- 50@& (c) #- 100@&
(l) #- 125@& (n) fu%'kqYd
[ 155 ]
90- xzkgd ds vuqjks/k ij , Vh ,e&lg&MsfcV dkMZ dk u;k fiu tkjh
djus gsrq fdruk 'kqYd olwy fd;k tkrk gS\
(v) #- 20@& (c) #- 25@&
(l) #- 50@& (n) fu%'kqYd
91- dkiksjZ Vs bUVjusV cSfa dax (lh-vkbZ-,u-ch-) ds varxZr O;olk;h (dkiksjZ Vs )
xzkgdksa dks fdrus izdkj dh lqfo/kk,a iznku dh tkrh gS\a
(v) [kkrk] [kkrk Iyl ,oa foLrkj
(c) [kkrk] O;kikj ,oa foLrkj
(l) [kkrk Iyl] O;kikj ,oa foLrkj
(n) [kkrk] [kkrk Iyl] O;kikj ,oa foLrkj
92- ,d O;olk;h (dkiksjZ Vs ) xzkgd dkiksjZ Vs bUVjusV cSfa dax (lhvkbZ,uch)
}kjk vius [kkrs esa izR;sd ysunsu #- 50 yk[k rd lhfer j[kuk
pkgrs gSa muds fy, fdl izdkj dh lqfo/kk mi;qDr jgsxh \
(v) [kkrk (c) [kkrk Iyl
(l) O;kikj (n) foLrkj
93- ,d O;olk;h (dkiksZjsV) xzkgd vius [kkrs esa lh-vkbZ-,u-ch- }kjk
izR;sd ysunsu #- 500 djksM+ rd djuk pkgs rks vki mUgsa dkSu&lh
lqfo/kk izLrkfor djsx
a s\
(v) foLrkj (c) O;kikj
(l) [kkrk Iyl (n) [kkrk
94- ch ih vkj ykxw gks tkus ds ckn mu 'kk[kkvksa ds tek [kkrksa dk j[k
j[kko ;Fkk ukekadu] [kkrsnkj dk uke ,oa [kkrk la[;k Nih gqbZ
pSd cqd tkjh djuk vkfn dk;Z fdlds }kjk fd, tk jgs gS\a
(v) 'kk[kkvksa }kjk (c) ,y lh ih lh
(l) Tkh bZ dSfiVy (n) lh ih ih lh
95- 'kke dks lHkh jksdfM+;ksa ls izkIr 'ks"k jkf'k dks jksdM+ vf/kdkjh fdls
vUrfjr djrk gS\
(v) lEcº djsl a h psLV (c) okYV VSyj
(l) Qksdy ikbaV 'kk[kk (n) okYV dLVksfM;u
96- fons'kh eqnzk ysunsuksa dks Xykscy ekdsZV ;wfuV (GMU)] iwoorhZ
 fons'k O;kikj 'kk[kk] dksydkrk dks fjiksfVZx
a gsrq dkSu lk lkW∂Vos;j
iz;ksx fd;k tkrk gS \
(v) edZjh ,Q ,Dl (c) fQusdy
(l) Qkbusl a ou (n) V™sM Qkbusl a
97- gekjs cSd
a }kjk VkVk dUlYVsl a h lfoZlst ds lkFk la;qDr miÿe esa
[kksyh xbZ lkW∂Vos;j lykgdkjh lsok dEiuh lh&,t VSDuksyksthl
fy- esa gekjs cSd
a dh va'k/kkfjrk fdruh gS \
(v) 74% (c) 51 %
(l) 49% (n) 26 %
98- LVsV cSd
a lewg }kjk izkbosV lapkj gsrq iz;qDr usVodZ fdl uke ls
tkuk tkrk gS \
(v) cSdusV (c) ,l ch vkbZ dysDV
(l) LVsV cSd
a dusDV (n) LVsV cSda xzqi dusDV
99- ,+-Vh-,e- dkMZ ds ysunsu ds fookn dh fLFkfr esa ;fn xzkgd
}kjk ysunsu dh iphZ izLrqr dh tk, rks 'kk[kk izc/a kd vius
foosdkf/kdkj esa fdruh jkf'k rd fookn dk fuiVku dj ldrs gS\a
(v) #- 5]000@& (c) #- 15]000@&
(l) #- 25]000@& (n) #- 45]000@&
100- vkj-Vh-th-,l- }kjk /ku izs"k.k gsrq U;wure ,oa vf/kdre lsok
izHkkj fdruk gS \
(v) #- 5@& ,oa #- 25@& (c) #- 5@& ,oa #- 50@&
(l) #- 25@& ,oa #- 50@& (n) #- 25@& ,oe~ #- 1500@&
101- vkbZ-,Q-,l-lh- (Indian Financial System Code) ,oe~
;w-Vh-vkj-,u- (Unique Transaction Reference Number) esa
izFke 4 o.kkZ{kj (Alphabets) D;k n'kkZrs gSa \
(v) izs"kd cSd
a dk dksM (c) izs"kd 'kk[kk dk dksM
(l) ykHkkFkhZ cSd
a dk dksM (n) ykHkkFkhZ 'kk[kk dk dksM
102- vkj-Vh-th-,l- iz.kkyh gsrq lkW∂Vos;j fdlds }kjk rS;kj fd;k
x;k gS \
(v) TCS (c) INFOTEC
(l) IDRBT (n) GECBPMSL

[ 157 ]
103- oh-ih-vkbZ-,l- (VPIS) ekWM~;wy dk lEcU/k fdl dk;Z ls gS\
(v) xzkgdks ds QksVks@ gLrk{kjksa dk j[kj[kko
(c) M™k∂V tkjh djuk
(l) ykWdj fdjk, ij nsuk
(n) lqj{kk izi=ksa dk j[k j[kko
104- gekjs cSd
a dh bUV™kusV lkbV ^^LVsV cSd
a VkbEl** dk ;w- vkj- ,y-
D;k gS\
(v) http://10.0.2.154 (c) http://10.2.1.111
(l) http://10.0.2.112 (n) http://10.0.2.150
105- jk"V™h; rduhdh fnol fdl frfFk dks euk;k tkrk gS \
(v) 1 ebZ (c) 31 ebZ
(l) 11 ebZ (n) 31 ekpZ
106- Vsyh cSfa dax gsrq iz;qDr lkW∂Vos;j dk D;k uke gS \
(v) CRAFT (Ck) KRAFT
(Lk) CREFT (n) CHRAFT
107- lh-ch-,l- esa dk;Z djrs le; ,Q&7 cVu nckus ls D;k tkudkjh
feyrh gS \
(v) xzkgd ds gLrk{kj
(c) xzkgd ds irs esa ifjorZu dh tkudkjh
(l) [kkrs ds [kkrs dk y?kq fooj.k
(n) xzkgd ds can [kkrksa dh lwpuk
108- us'kuy Qkbusafl;y fLop ftldh LFkkiuk vkbZ-Mh-vkj-ch-Vh
}kjk dh xbZ] fdl ls lEcfU/kr gS \
(v) , Vh ,e dk j[k j[kko
(c) lh ch ,l dh duSfDVfoVh
(l) fofHkUu cSda ksa ds ,Vh,eksa ds e/; duSfDVfoVh
(n) pSd V™d
a s'ku
109- fLo∂V (SWIFT – Society for Worldwide Interbank Financial
Telecommunication) dk Hkkjr esa eq[;ky; dgk° gS \
(v) eqEcbZ (c) dksydkrk
(l) psUubZ (n) t;iqj
[ 158 ]
110- SIGNTRIEVE lkW∂Vos;j fdl dke vkrk gS \
(v) gLrk{kjksa dh Ldsfuax ,oa j[kj[kko
(c) iklcqd fizfVax
(l) pSd Dyh;fjax
(n) vkj-Vh-th-,l- ysunsu
111- fjVsy b.VjusV cSfa dax (RINB) }kjk vf/kdre fdruh jkf'k rd
dk M™k∂V cuok;k tk ldrk gS \
(v) #- 5]00]000 (c) #- 40]000
(l) #- 50]000 (n) #- 1]00]000
112- ck;ksefS V™d ,-Vh-,e- (Biometric ATM) ds ifjpkyu gsrq fiu
(PIN) ds LFkku ij fdldk iz;ksx gksrk gS \
(v) xksiuh; dksM (c) [kkrk la-
(l) dkMZ la[;k (n) vaxqfy;ksa dh Nki
113- bysDV™kWfud ek/;e ls jsyos HkkM+k Hkqxrku djus dh lqfo/kk
(e-payment) fdl Js.kh ds xzkgdksa dks miyC/k gS \
(v) dkikZsjsV xzkgd (c) lHkh xzkgd
(l) eksckby cSfa dax /kkjd xzkgd (n) mDr lHkh dFku vlR; gSa
114- ,Vh,e&lg&MsfcV dkMZ (ATM-cum-debit-Card) fdrus vadksa
dk gksrk gS \
(v) 16 (c) 17
(l) 18 (n) 19
115- ok;jl D;k gS \
(v) ,d izdkj dk jksx gSA
(c) ,d izksxzke] tks dEI;wVj dh dk;Ziz.kkyh dks izHkkfor djrk gSA
(l) dEI;wVj dk vius vki can gks tkukA
(n) dEI;wVj ykWx vkWQ djuk gSA
116- ;qok dkMZ dh oS/krk vof/k fdruh gS\
(v) 15 o"kZ (c) 10 o"kZ

[ 159 ]
 (l) 5 o"kZ (n) 3 o"kZ
117- eksckby cSfa dax }kjk ,d fnu esa r`rh; i{k ds [kkrs esa vf/kdre
fdruh jkf'k varfjr dh tk ldrh gS \
(v) #- 1]00]000@& (c) #- 50]000@&
(l) #- 25]000@& (n) #- 10]000@&
118- dkiksZjsV bUVjusV cSafdax ds vUrxZr foLrkj lqfo/kk /kkjd
O;olk;h izR;sd varj.k (ysunsu) vf/kdre fdruh jkf'k rd dj
ldrs gSa \
(v) #- 5 yk[k (c) #- 1 djksM+
(l) #- 100 djksM+ (n) #- 500 djksM+
119- eksckby cSfa dax }kjk ,d ekg esa vf/kdre fdruh jkf'k varfjr
dh tk ldrh gS \
(v) #- 30]000@& (c) #- 50]000@&
(l) #- 1]00]000@& (n) #- 2]50]000@&
120- 'kk[kkvksa dks fdl izdkj ds [kkrksa dks eksckby cSfa dax gsrq iathœr
djus dh eukgh dh xbZ gS \
(v) vifjpkfyr [kkrs (Dormant Accounts)
(c) fuf"ÿ; [kkrs (Inoperative Accounts)
(l) la;q‰ :i ls ifjpkfyr [kkrs ( Jointly operated Accounts)
(n) mijks‰ lHkh
121- fuEu esa ls dkSu&lk dFku vlR; gSµ
(v) ,ubZ,QVh }kjk fdruh Hkh jkf'k iszf"kr dh tk ldrh gSA
(c) vkjVhth,l }kjk U;wure #- 5 yk[k iszf"kr fd, tk ldrs gSAa
(l) vkjVhth,l }kjk isz"k.k ij U;wure 'kqYd #- 25@& gSA
(n) vkjVhth,l }kjk iszf"kr jkf'k ykHkkFkhZ ds [kkrs esa vf/kdre
30 feuV esa tek gks tkuh pkfg,A
122- vkjVhth,l (RTGS) vkSj ,ubZ,QVh (NEFT) }kjk ,d cSd a ls
nwljs cSda ds xzkgd ds [kkrs esa jkf'k vUrfjr dh tk ldrh gSA bl
a ksa dh 'kk[kkvksa dh igpku gsrq vkbZ,Q,llh (IFSC) dk
gsrq cSd

[ 160 ]
 iz;ksx fd;k tk,xkA ;gk° vkbZ,Q,llh ls D;k vfHkizk; gS \
(v) bf.M;u QkbusfU'k;y flLVe dksM
(c) bf.M;u QkbusfUl'ky lfoZl dksM
(l) bf.M;u fQLdy flLVe dksM
(n) bf.M;u fQLdy lfoZl dksM
a lqfo/kk (RINB) }kjk xzkgd fcuk cSd
123- fjVsy bUVjusV cSfa dax a ds
gLr{ksi ds Lo;a vius [kkrs dks ukes dj vf/kdre fdruh jkf'k
rd dh e-TDR/e-STDR tkjh dj ldrs gS\a
(v) #- 1 yk[k (c) #- 5 yk[k
(l) #- 10 yk[k (n) #- 25 yk[k
124- vizy S ] 2009 ls gekjs cSd
a ds LVkQ ds osru ,oa cSd
a ds iS'a kujksa dh
iS'a ku dh x.kuk dj mlds Hkqxrku dk dk;Z fdlds }kjk fd;k tk
jgk gS\
(v) lh,lihihlh (c) iathœr dk;kZy;] dksydkrk
(l) dkiksZjsV dsUnz] eqEcbZ (n) ;g dk;Z ckgjh ,tsl a h ls
djok;k tk jgk gSA
mŸkjekyk
1- l 2- v 3- v 4- l 5- c 6- v 7- v 8- c
9- v 10- l 11- l 12- n 13- n 14- n 15- c 16- v
17- l 18- v 19- c 20- l 21- n 22- l 23- l 24- c
25- n 26- l 27- l 28- l 29- l 30- n 31- v 32- l
33- n 34- c 35- c 36- v 37- c 38- l 39- c 40- n
41- l 42- n 43- c 44- v 45- n 46- n 47- n 48- l
49- l 50- v 51- c 52- n 53- l 54- v 55- c 56- l
57- l 58- n 59- l 60- v 61- l 62- v 63- v 64- l
65- n 66- c 67- c 68- c 69- n 70- l 71- v 72- l
73- n 74- v 75- l 76- n 77- v 78- n 79- n 80- c
81- c 82- n 83- l 84- v 85- l 86- n 87- l 88- c
89-c 90-l 91- n 92- l 93- v 94- c 95- c 96- v
97- l 98- l 99- c 100- [l161
101-
] v 102- l 103- n 104- v
 15. gekjk cSad % dEI;wVjhdj.k] lapkj
,oa lwpuk rduhdh&iz'ukoyh
y?kqmŸkjh; iz'u&I
izå1 ,l-ch-vkbZ- dusDV dk u;k uke D;k gS \
må ,l-ch- dusDV (LVsV cSd
a dusDV)
izå2 LVsV cSd
a dusDV D;k gS \
må LVsV cSd
a lewg dh fofHkÈk 'kk[kkvks]a lh-ih-lh- bdkb;kas ,oa dkWiksZjsV
dsUÊ] LFkkuh; iz/kku dk;kZy;kas] iz'kklfud dk;kZy;kas] vkapfyd
fujh{k.k dk;kZy;kas vkfn dks baV™kusV ds tfj, ,d nwljs ls tksM+us ds
fy, fcNkbZ xbZ VsyhQksu ykbuksa dk tkyA
izå3 LVsV cSd
a dusDV ds j[k&j[kko dh ftEesnkjh fdl dEiuh dks nh
xbZ gS \
må MkVkÿk∂V] caxywj
izå4 gekjs cSd
a }kjk izkbosV lapkj ds fy, iz;q‰ usVodZ fdl uke ls
tkuk tkrk gS \
må LVsV cSd
a dusDV
izå5 ,l-ch-vkbZ-vkbZ-lh-,e- dgk° fLFkr gS \
må gSnjkckn
izå6 gekjs cSd
a dh baV™kusV lkbV ,l-ch- VkbEl dk irk D;k gS \
må http://10.0.2.154 ,oa http://10.0.2.155
izå7 cSd
a ksa esa dEI;wVjhdj.k gsrq cukbZ xbZ lfefr ds iz/kku dkSu Fks \
må MkW- lh- jaxjktu (1984)
izå8 gekjh fons'kh 'kk[kkvksa }kjk iz;q‰ lkW∂Vos;j dk D;k uke gS \
må fQusdy (FINACLE)
izå9 dEI;wVj lqj{kk fnol (Computer Security Day) fdl frfFk
dks euk;k tkrk gS \
må 30 uoEcj] izfr o"kZA

[ 162 ]
izå10 gekjs eaMy ds dE;wVjhdj.k ,oa lapkj (lh-,.M-lh-) dks fu;fU=r
djus okys foHkkx dk u;k uke D;k gS \
må vkbZ-Vh- lsok,a foHkkx (ITS Deparment), tks LFkkuh; iz/kku
dk;kZy;] ubZ fnYyh esa fLFkr gSA
izå11 gekjs cSd a esa lwpuk rduhdh dh lqj{kk dh ns[kjs[k djus okys
foHkkx dk uke D;k gS \
må bUQkseZs'ku flD;ksfjVh fMikVZesVa (vkbZ-,l-Mh-)A
izå12 vksYVkl D;k gS \
må vkWu ykbu VSDl ,dkmfVax flLVe] tks izR;{k djksa ;Fkk vk;dj]
dkiksZjsV dj] migkj dj] laink dj vkfn ds ysunsuksa dh fjiksfV±x
gsrq iz;q‰ lkW∂Vos;j gSA
izå13 lkbcj ykW D;k gS \
må bySDV™kWfud ehfM;k lEcU/kh dkuwuA
izå14 ekbdj (,e-vkbZ-lh-vkj-) iz.kkyh dk D;k ykHk gS \
må pSdksa dh 'kh?kz NVuh }kjk muds lek'kks/ku ds dk;Z esa rsth ykukA
izå15 fjtoZ cSd a us ohlsV lapkj fdl gsrq iz;ksx fd;k gS \
må bufQusV (vkbZ-,u-,Q-vkbZ-,u-bZ-Vh-) dks LFkkfir djus gsrqA
izå16 gekjs cSd a }kjk Vh-lh-,l- ds lkFk la;q‰ miÿe esa fdl lkW∂Vos;j
lykgdkjh lsok dEiuh dh LFkkiuk dh xbZ gS vkSj mlesa gekjs
cSd
a dh va'k/kkfjrk (fgLlk) fdruh gS \
må lh&,t VSDuksyksthl fy- (C-Edge Technologies Ltd.)_ 49%A
izå17 gekjs cSd a }kjk jsyos ds lg;ksx ls tkjh dkMZ dk uke D;k gS \
må ,l-ch-vkbZ- jsyos dkMZµfl'kqHk ;k=kfi
izå18 gekjs cSd a dh nks dkSu&dkSu lh osclkbVas gSa \
må 1- LVsVcSd a vkWQbf.M;kMkWVdkWe (statebankofindia.com)]
2- ,lchvkbZMkWVlhvksMkWVvkbZ,u (sbi.co.in)
izå19 bZ&VSDl ds ek/;e ls fdu djksa dk laxzg.k fd;k tkrk gS \
må dkWiksZjsV dj] vk;dj] laifŸkdj] migkj dj vkfn izR;{k dj ,oa
vizR;{k dj rFkk jkT; ljdkjkas ds dj A
izå20 VsyhcSfa dax gsrq iz;q‰ lkW∂Vos;j dk uke D;k gS \
må ÿk∂V (CRAFT)
[ 163 ]
izå21 ,l-,Q-,e-,l dks fdl dEiuh us fodflr fd;k gS \
må Vh-lh-,l- (VkVk dUlYVsl a h lfoZlst)
izå22 ,l-ch-vkbZ- QkLV dk iz;kstu D;k gS \
må Q.Ml vosyscy bu 'kkVsZLV Vkbe vFkkZr~ /ku jkf'k;ksa dk 'kh?kz
isz"k.kA ;g dS'k eSustesVa izksMDV gSA blls dkiksZjsV oxZ ds xzkgdksa ds
fofHkUu dsUÊksa ij fLFkr [kkrksa esa ,df=r jkf'k;ksa dks 'kh?kzrk ls
,d dsUÊ ij fLFkr [kkrs esa izsf"kr fd;k tkrk gSA ftlls os viuh
fuf/k;kas dk viuh lgh izdkj fu;kstu dj ldsAa
izå23 Hkkjrh; LVsV cSd a us fdu nks laLFkkuksa ls le>kSrk (MOU) ij
dkMZ tkjh fd, gSa \
må bf.M;u vkW;y dkWiksZjs'ku vkSj bf.M;u ,vj QkslZA
izå24 flvkbZ-Vh- Qksjefi uked if=dk dk izdk'ku fdl laLFkku }kjk
fd;k tkrk gS \
må ,l-ch-vkbZ-vkbZ-lh-,e-] gSnjkckn }kjk
izå25 Hkkjr ds fdl 'kgj dks vkbZ-Vh- flVh ds uke ls tkuk tkrk gS \
må caxyq: (cSx a yksj)
izå26 gekjs cSd a }kjk O;kikfjd ysu&nsuksa (V™sM fjysVsM V™kt a sD'kUl) gsrq
iznku baVjusV lqfo/kk dk uke D;k gS \
må bZ&V™sM ,l-ch-vkbZ- (e–Trade SBI)
izå27 Hkkjrh; fjtoZ cSad }kjk vkj-Vh-th-,l- (jh;y Vkbe xzkl
lSVyesVa ) dh lqfo/kk dc ls izkjaHk dh xbZ \
må 01 tuojh] 2007 lsA
izå28 jh;y Vkbe xzkl lSVyes.V (vkj-Vh-th-,l-)@ us'kuy bysDV™kfW ud
Q.M V™kl a Qj (,u-bZ-,Q-Vh-) dk iz;ksx fdl dk;Z gsrq fd;k tkrk gS\
må ,d cSd a ds [kkrs ls nwljs cSd
a ds [kkrs esa fuf/k;k° vUrfjr djus gsrqA
izå29 vkj-Vh-th-,l- }kjk U;wure fdruh jkf'k isfz "kr dh tk ldrh gS \
må :i;s nks yk[k (15-11-2010 ls izHkkoh)
izå30 vkj-Vh-th-,l- }kjk /ku isz"k.k gsrq fdruk 'kqYd fy;k tkrk gS \
må (i) #- 2 yk[k ls #- 5 yk[k rd & #- 25@& izfr ysunsu
(ii) #- 5 yk[k ls vf/kd & #- 50@& izfr ysunsu

[ 164 ]
izå31 eYVh flVh pSd fdu 'kk[kkvksa }kjk tkjh fd, tkrs gSa \
må cM+s 'kgjksa dh 'kk[kkvksa }kjkA
izå32 ,;jVsy dEiuh ds iksLVisM dusD'ku ds fcy ds Hkqxrku vFkok
izhisM dusD'ku ds fjpktZ (eksckby VkWivi) djus gsrq gekjs cSd
a
us dkSu&lk mRikn tkjh fd;k gS \
må eksckby cSfa dax
izå33 Mh-vkj-ih- D;k gS \
må fMtkLVj fjdojh Iyku] tks 'kk[kk@ dk;kZy; dk lkekU; dkedkt
rduhdh dkj.kksa ls ckf/kr gksus dh fLFkfr esa mls de ls de le;
esa lkekU; fLFkfr esa ykus dk izcU/k djus gsrq 'kk[kk@ dk;kZy;
}kjk fu/kkZfjr izk:i ij cukbZ xbZ dk;Z ;kstuk gksrh gSA bls
izfro"kZ tuojh ekg esa cukdj fu;a=d izkfËkdkjh ls vuqeksnu ds
i'pkr~ lHkh lEcfU/kr vf/kdkjh@ deZpkfj;ksa dks uksV djok;k
tkrk gS vkSj 'kk[kk nLrkost (czk°p MksD;wesVa ) jftLVj esa izfo"V
dj lqjf{kr j[kk tkrk gSA
izå34 fons'kh eqÊk ysu&nsuksa dh fjiksfV±x gsrq iz;q‰ ml lkW∂Vos;j dk
uke crkb;s ftlds }kjk 'kk[kk,a vkadM+s Xykscy ekdsZV ;wfuV
(fons'k O;kikj foHkkx) dksydkrk dks iszf"kr djrh gSAa
må edZjh ,Q ,Dl A
izå35 Hkkjrh; LVsV cSd
a us izFke xzke iapk;r cSfa dax vkmViksLV dgk°
[kksyk gS \
må fldjh iapk;r] ftyk&xate] mM+hlkA

[ 165 ]
 y?kqmŸkjh; iz'u&II
izå1 fo'o dk igyk ,-Vh-,e- fdl cSd
a us dc o dgk° yxk;k \
må ckdZys cSd
a ] 1967 yanu esAa
izå2 Hkkjr esa igyk ,-Vh-,e- fdl cSd a us yxk;k \
må ,p-,l-ch-lh- us dksydkrk esa o"kZ 1987 esa yxk;k A
izå3 lkoZtfud {ks= ds fdl cSd
a us igyk ,-Vh-,e- yxk;k \
må bfUM;u cSd
a A
izå4 Hkkjrh; LVsV cSd
a us igyk ,-Vh-,e- dc yxk;k \
må te'ksniqj esa 1993 esa A
izå5 fdl cSd
a us rSjrh gqbZ uko ij ,-Vh-,e- yxk;k \
må Hkkjrh; LVsV cSd
a (>adkj cksV] ,.kkZdqye] dsjy)
izå6 gekjs cSd
a }kjk flfDde esa lcls vf/kd špkbZ ij ,-Vh-,e-
dgk° yxk, x, gS\a
må (i) ukFkw yk ikl (flfDde) (ii) Fksxw (flfDde)

izå7 gekjs cSd

a }kjk flfDde ds vfŸkfjDr vU; fdl LFkku ij vfËkd
≈pk°bZ ij ,-Vh-,e- yxk;k x;k gS \
må ysg (yÌk[k)
izå8 eksckby ,-Vh-,e- dh lqfo/kk loZizFke fdl eaMy }kjk izkjEHk
dh xbZ \
må vgenkckn
izå9 ,-Vh-,e- lg MsfcV dkMZ dks fdl czkM
a uke ls tkjh fd;k x;k gS\
må LVsV cSd
a dS'k Iyl
izå10 13&11&2002 ds ckn tkjh ,-Vh-,e- lg MsfcV dkMZ fdl
frfFk rd oS/k gS\
må 31 fnlEcj] 2049
izå11 fiu (PIN) ls D;k rkRi;Z gS \
må ilZuy vkbMsUVhfQds'ku uEcj] ;g 4 vadks dk xqIr dksM gS] tks
,-Vh-,e-&lg&MsfcV dkMZ dks iz;ksx djus gsrq dke esa fy;k tkrk gSA
[ 166 ]
izå12 ,-Vh-,e- dkMZ U;wure fdruh vk;q ds ukckfyx [kkrk /kkjd dks
tkjh fd;k tk ldrk gS \
må 14 o"kZ ls vf/kd ds ukckfyx dks ,Vh,e&lg&MsfcV dkMZ tkjh
fd;k tk ldrk gS] c'krsZ [kkrk fdlh ckfyx O;f‰ ds lkFk [kksyk
gqvk gksA
izå13 D;k ,u-vkj-bZ- [kkrk /kkjd dks ,-Vh-,e- dkMZ tkjh fd;k tk
ldrk gS \
må gk°A
izå14 ,-Vh-,e- dkMZ dk iz;ksx djrs le; ,-Vh-,e- d{k esa vf/kdre
fdrus O;f‰ gks ldrs gSa \
må ,d] dsoy dkMZ /kkjd vdsys gh ,Vh,e dk iz;ksx djsxkA
izå15 [kkrsnkj }kjk vius [kkrs ds ysu nsuks@a 'ks"k dh tkudkjh ds fy,
,-Vh-,e- ls fudkyh xbZ iphZ dks D;k dgrs gSa \
må fefu LVsVesVa ] blesa vafre 10 ysu&nsukas dk fooj.k gksrk gSA
izå16 D;k gekjs cSda ds ,-Vh-,ekas- esa udn jkf'k tek djokus dh
lqfoËkk gS \
må ugha
izå17 gekjs cSd
a }kjk ,-Vh-,e- lg&MsfcV&dkMZ tkjh djus gsrq fdruk
'kqYd fy;k tkrk gS \
må dksbZ 'kqYd ugha] orZeku esa ;s dkMZ fu%'kqYd tkjh fd, tkrs gSAa
izå18 ,-Vh-,e- lg&MsfcV&dkMZ ij okf"kZd lsok 'kqYd fdruk gS \
må okf"kZd j[kj[kko 'kqYd #- 100@& izfro"kZ] dkMZ tkjh djus ds
nwljs o"kZ lsA
izå19 MqIyhdsV ,-Vh-,e- dkMZ tkjh djus dk 'kqYd fdruk gS \
må #- 200@&
izå20 ,-Vh-,e- dkMZ dk MqIyhdsV fiu tkjh djus gsrq fdruk 'kqYd
fy;k tkrk gS \
må #- 50@&

[ 167 ]
izå21 ,-Vh-,e- lg MsfcV&dkMZ ls ,d fnu esa vf/kdre fdruh udn
jkf'k fudkyh tk ldrh gSA \
må U;wure :-100@& ,oa #- 100@& ds xq.kdksa esa vf/kdre #- 40]000@&
izå22 gekjs cSda ds ,-Vh-,ekas- dk fu;U=.k dsUÊ dgk° fLFkr gS \
må ,-Vh-,e- fLop lSVa j (,-,l-lh-)] Xykscy vkbZ-Vh- lSUVj] csykiqj]
uoh eqEcbZA
izå23 ,-Vh-,e-&lg&MsfcV dkMZ ls ,d fnu esa ikbaV vkQ lsy
(ih-vks-,l-) ij fdlh O;kikfjd laLFkku (eps±V ,LVsfCy'kesVa )
dks vf/kdre fdruh jkf'k rd ds fcyksa dk Hkqxrku fd;k tk
ldrk gS \
må #- 50]000@&
izå24 ,-Vh-,e- dkMZ dh flgkWV fyfLVaxfi ls D;k rkRi;Z gS \
må ,-Vh-,e- fLop lSVa j csykiqj] uoh eqEcbZ }kjk ,-Vh-,e- dkMZ ls
ysu&nsukas ikcanh (dkMZ dks CykWd dj fn;k tkuk)A
izå25 ,-Vh-,e- dkMZ xqe gks tkus ij dkMZ dh ^^gkV fyfLVax** gsrq
xzkgd dks dgk° lwpuk nsuh pkfg, \
må xzkgd dsUÊ dks ch-,l-,u-,y-@ ,e-Vh-,u-,y- dh yS.M ykbu }kjk
1800 11 22 11@ 1800 425 3800 ;k vU; Qksu }kjk
080&2659 9990 09748422211 Vksy ›h (fu%'kqYd) ij ,oa
tkjh djus okyh 'kk[kk dks HkhA
izå26 ,-Vh-,e- dkMZ ls ysunsu ds fookn dh fLFkfr esa 'kk[kk izcU/kd
vius foosdkf/kdkj ds varxZr fuEukafdr fLFkfr;ksa esa fdruh
jkf'k rd fookn dk fuiVku dj ldrs gSa \
(d) ;fn ysu nsu dh iphZ (V™kt a sD'ku fLyi) izLrqr ugha dh tk,A
([k) ;fn ysu nsu dh iphZ (V™kt a sD'ku fLyi) izLrqr dh tk,A
må (d) #- 5]000@&
([k) #- 15]000@&
izå27 ;fn fdlh xzkgd ds fyf[kr vkosnu ds fcuk ,-Vh-,e- dkMZ tkjh
,oa pkyw (,DVhosV) gks tk, vkSj xzkgd dkMZ dk iz;ksx fd,
fcuk cSda dks lwfpr djs rks cSd a }kjk xzkgd dks fdruh {kfriwfrZ
dh tk,xh \
må U;wure #- 50@&] vf/kdre #- 100@&
[ 168 ]
izå28 gekjs cpr cSd a [kkrk /kkjd }kjk ysu&nsuksa (Transactions)
gsrq vU; cSd
a ksa ds ,-Vh-,e- dk iz;ksx djus ij fdruk 'kqYd olwy
fd;k tk,xk\
må Hkkjrh; fjtoZ cSd a }kjk 27 ebZ 2011] dks tkjh funsZ'kkuqlkj
cpr cSd a [kkrksa ls orZeku esa vlhfer la[;k esa 'ks"k dh iwNrkN
vkSj 5 fu%'kqYd udn vkgj.kksa ds LFkku ij 01 tqykbZ] 2011 ls
cpr cSda [kkrksa esa vU; cSda ksa ds ,-Vh-,eks-a ls ysu&nsu djus ij
5 fu%'kqYd ysu&nsuksa esa foŸkh; vkSj xSj&foŸkh; vFkkZr~ [kkrs ls
udn vkgj.k (Cash withdrawal) vkSj 'ks"k dh iwNrkN
(Enquiry) nksuksa izdkj ds ysu&nsu lfEefyr gksx a sA
5 ls vf/kd ysu&nsuksa ij 'kqYd & #- 20@& izfr ysu&nsuA
izå29 ,-Vh-,e- ls Rofjr fudklh (QkLV dS'k) gsrq dkSu&dkSu ls fodYi
miyC/k gSa \
må #- 1]000@&] #- 2]000@&] #- 3]000@& rFkk #- 5]000@&
izå30 vkWu ykbu ,l-ch-vkbZ- ls D;k rkRi;Z gS \
må gekjs cSd
a dh baVjusV cSfa dax lsok,aA
izå31 fjVsy bUVjusV cSfa dax (RINB) }kjk r`rh; i{k ds [kkrs esa ,d
ckj esa vf/kdre fdruh jkf'k vUrfjr dh tk ldrh gSA
må #- 5]00]000@&
izå32 bZ&is (e-Pay) ls D;k rkRi;Z gS \
må lHkh rjg ds fcyksa dk baVjusV cSfa dax }kjk Hkqxrku
izå33 baVjusV cSfa dax ds iz;ksx gsrq gekjs xzkgd dks fdl osclkbV ij
ykWxbu djuk gksxk\ ;k
gekjs cSd
a dh baVjusV cSfa dax lkbV dk uke D;k gS \
må vkWuykbu,lchvkbZMkWVdkWe (onlinesbi.com)
izå34 bZ&esy@ baVjusV cSfa dax ds iz;ksxdrkZ dks fdu lalk/kuksa dh
vko';drk gksxh \
må dEI;wVj] eksMe ,oa VsyhQksu ykbu (baVjusV@ baV™kusV)A
izå35 gekjs cSd
a }kjk baVjusV cSfa dax lqfo/kk dc ls izkjEHk dh xbZ \
må 1 vxLr] 2000
[ 169 ]
izå36 gekjs cSda dh baVjusV cSfa dax lkbV dks fdlds }kjk lqjf{kr
izekf.kr fd;k x;k gS \
må osjhlkbu (VeriSign) }kjk] tks varjkZ"V™h; izek.khdj.k vkWFkksfjVh
gSA
izå37 baVjusV cSfa dax }kjk gekjs xzkgdksa dks dkSu&dkSu lh lqfo/kk,a
iznku dh tk jgh gSa \
må xzkgd dks iznku lqfo/kkvkas dks igq°p ds vk/kkj ij nks Jsf.k;ksa esa
ck°Vk tk ldrk gS %
(d) xzkgd }kjk Lo;a fd, tk ldus okys ysunsu@ dk;Zµ
(1) vius [kkrkas esa 'ks"k lEcU/kh iwNrkNA
(2) [kkrs dk fooj.k NkiukA
(3) e-T : xzkgd }kjk Lo;a ds ,d [kkrs ls nwljs [kkrs esa
jkf'k vUrj.kA
(4) e-T : xzkgd ds [kkrs ls gekjs cSd a dh mlh ;k vU;
fdlh 'kk[kk esa r`rh; i{k ds [kkrs esa :- 5]00]000@&
rd jkf'k dk varj.kA
(5) e-T : xzkgd ds [kkrs ls vU; cSd a kas esa (vkj-Vh-th-,l-
vkSj ,u-bZ-,Q-Vh- }kjk) rFkk lg;ksxh cSd a kas esa (th-vkj-
ih-Vh }kjk) r`rh; i{k ds [kkrs esa :- 5]00]000@& rd
jkf'k dk varj.kA
(6) e-Rail: www.irctc.co.in vkSj www.indianrailways.gov.in
lkbV ij tkdj jsy ;k=k gsrq fVdV cqd djokukA
(7) e-Ticketing : gokbZ ;k=k gsrq fVdV cqd djokuk A
(8) e-Pay : eks c kby@ Vs y hQks u @ fctyh] ikuh vkfn
;wfVfyVh fcykas dk HkqxrkuA
(9) SBI e-Tax : bZ&VSDl ds ek/;e ls izR;{k ,oa vizR;{k
djkas dk Hkqxrku
(10) e-TDR/ e-STDR : vf/kdre #- 10 yk[k rd dh
lkofËk tek fcuk 'kk[kk esa tk, Lo;a cukukA
(11) Demat lsok,a% MhesV vkSj vkWu ykbu V™sfMax [kkrk
[kksydj 'ks;j cktkj esa fuos'k@ Vs™fMax djuk ,oa vius
MhesV [kkrkas ds fooj.k izkIr djuk A
[ 170 ]
 (12) Fee payment : pqus gq, dkWyst laLFkkukas dh Qhl tek
djokukA
(13) Donation : pqus x, (16) eafnjkas dks nku dh jkf'k
HkstukA
(14) ohtk euh V™kl a Qj }kjk jkf'k vUrj.kA
(15) Úks= ij dkVs x, dj (TDS) dh tkudkjh izkIr djukA
(16) SMS Alert : vius [kkrs esa gq, ysunsukas ds lEcU/k esa
,l,le,l lans'k izkIr djus gsrqA
(17) iS'a ku fLyi % iS'a kujkas }kjk mUgas ns; iS'a ku dh tkudkjh
izkIr djukA
(18) e-RD : fcuk 'kk[kk tk, vkorhZ tek [kkrk [kksyukA
([k) bUVjusV cSfa dax }kjk gekjs xzkgdkas dks iznku lqfo/kkvkas ds
vUrZxr ,sls ysunsu@ dk;Z ftuesa 'kk[kk }kjk ekuoh;
gLr{ksi (MIT–Manual Intervention Trasaction)
vko';d gS %
(1) vkbZ-vks-vkbZ- (M™k∂V@ cSd a lZ) pSd tkjh djukA
(2) u;k tek [kkrk [kksyuk
(3) fe;knh tek [kkrksa dk uohuhdj.k
(4) pSd cqd tkjh djuk
(5) C;kt dk Hkqxrku
(6) Ω.k [kkrs can djokuk
(7) LFkk;h vuqns'k nsuk
(8) vkbZ-,u-ch- ysunsu ugha gks ikus dh lwpuk nsuk

[ 171 ]
 y?kqmŸkjh; iz'u&III
izå1 dksj cSfa dax esa igyh 'kk[kk dgk° o dc [kksyh xbZ \
må ih-ch-ch- ghjkuankuh] eqEcbZ_ 30 vxLr] 2003 A
izå2 dksj cSfa dax ls xzkgd dh fLFkfr esa D;k lq/kkj gqvk gS \
må blls xzkgd 'kk[kk dh ctk; lkjs cSda dk gks x;k gS] vr% vc
xzkgd gekjh fdlh Hkh 'kk[kk ls ysu&nsu dj ldrk gSA
izå3 dksj cSfa dax esa iz;q‰ lkW∂Vos;jksa ds uke crkb;sA
må 1- cSDa l&24@ cSDa l fyad] 2- Qkbusl
a ou] 3- V™sM Qkbusl
a
izå4 lh-ch-,l- esa VSyj fdls dgk tkrk gS \
må lh-ch-,l- esa dk;Z djus okys lHkh LVkWQ lnL; (vf/kdkjh ,oa
deZpkjh) VSyj dgykrs gSAa
izå5 lh-ch-,l- esa ;wtj vkbZ Mh D;k gS \
må vf/kdkjh@ deZpkjh dk Hkfo"; fuf/k lwpdkad (ih-,Q-bMSDl uEcj)
tks lkr vadksa dk gksrk gSA
izå6 lh-vkbZ-,Q o [kkrk la[;k fdrus vadksa dk gksrk gS \
må 11 (10 $ 1)
izå7 lh-vkbZ-,Q-@ [kkrs dk vfUre vad D;k dgykrk gS \
må pSd fMftV] ;g lh-vkbZ-,Q-@ [kkrk la[;k dh lR;rk dh tk°p dk
dk;Z djrk gSA
izå8 dksj cSfa dax esa ikloMZ U;wure fdrus laizrhdkas vFkkZr djsDVj
(v{kj] vad ,oa fpUgks)a dk gksuk pkfg, \
må de ls de 6
izå9 lh-Mh-lh- (lSUV™ykbTM MkVk lSVa j) dgk° fLFkr gS \
må Xykscy vkbZ-Vh- lSVa j] csykiqj] uoh eqEcbZA
izå10 dksj cSfa dx lkW∂Vos;j B@NCS-24 dks fdl dEiuh us gekjs cSd
a dh
vko';drkvkas ds vuq:i cukus vkSj fodflr djus dk dk;Z fd;k gS \
må Vh-lh-,l- (VkVk dUlYVsl
a h lfoZlst)A
[ 172 ]
izå11 dksj cSfa dax esa Hkfo"; fuf/k lwpdkad (ih-,Q- bUMsDl uEcj) dks
gh ;wtj vkbZ Mh ds :i esa D;ksa pquk x;k gS \
må (i) gj ,d LVkWQ lnL; dk ih-,Q- uEcj vyx&vyx gksrk gS]
tks mudh vf}rh; igpku (Unique identification) gSAa
(ii) bldh lgk;rk ls dksj cSafdax esa izfo"Vh djus ,oa mls
vfËkizekf.kr djus okys LVkQ lnL; dh vklkuh ls igpku
laHko gSA
izå12 dksj cSfa dax dk lkW∂Vos;j cSDa l&24 (B@NCS-24) fdl dEiuh
ls fy;k x;k gS \
må Qkbusfl;y usVodZ lfoZlst izk- fy-] vkLV™sfy;k
izå13 dksj cSfa dax esa ykWxbu gksus dks D;k dgrs gSa \
må lkbuvkWu gksukA
izå14 dksj cSfa dax esa dkSysVjy ls D;k rkRi;Z gS \
må izfrHkwfr (flD;ksfjVh)
izå15 dksj cSfa dax esa gksYM ls D;k rkRi;Z gS \
må ftruh jkf'k ij gksYM yxk;k x;k mruh jkf'k ij xzg.kkf/kdkj
(fy,u) yxkuk vFkkZr~ mruh jkf'k Hkqxrku gsrq iz;ksx esa ugha ykbZ
tk ldrh gSA
izå16 dksj cSfa dax esa LVki ls D;k rkRi;Z gS \
må [kkrs esa ysu nsu ij jksd yxkuk] [kkrs dks vfÿ;k'khy dj nsukA
izå17 lh-ch-,l- esa Ms&cqd ds LFkku ij fdl fjiksVZ dh tk°p dh
tkrh gS\
må okmpj osjhfQds'ku fjiksVZ (oh-oh-vkj-) dh A
izå18 ;fn lh-vkbZ-,Q- cukrs le; ds-okbZ-lh- ds vUrxZr Ldksj 110
ugha gks vFkkZr~ ds-okbZ-lh- (vius xzkgd dks tkfu,) ekun.M iwjs
ugha fd, tk,a rks ,slh fLFkfr esa [kkrs dk LVsV~l D;k n'kkZ,xk \
må LVkWi

[ 173 ]
izå19 dksj cSfa dax esa cpr] pkyw (tek ,oa vks-Mh-) fe;knh tek] udn
lk[k vkfn [kkrs fdl ekWM;wy esa vkrs gSa \
må fMikftV eksM~;wy
izå20 ,d xzkgd ds fy, fdrus lh-vkbZ-,Q- cukus pkfg, \
må dsoy ,d
izå21 dksj cSfa dax esa HH/ WW dksM dk D;k vFkZ gS \
må (i) HH&gksyh Ms (vodk'k dk fnu)
(ii) WW&ofd±x Ms (lkekU; dkedkt dk fnu)
izå22 dksj cSfa dax esa dkSu&dkSu ls ekWM;wy gSa vkSj muesa fdu [kkrksa dks
oxhZœr fd;k x;k gS \
må (i) fMikftV (DEP)µ cpr] pkyw (tek ,oa vks-Mh-)] fe;knh]
fo'ks " k fe;knh] vkoŸkhZ tek] ekW M l] ls f oa X l Iyl]
dsihVy xsu] ih-ih-,Q] udn lk[k vkfn [kkrs
(ii) yksu (LON)µ ek°x Ω.k (DL) ,oa fe;knh (TL) Ω.k [kkrs
(iii) ch-th-,y- (BGL)µ cSad ds leLr vkarfjd@ dk;kZy;hu
(xSj&dLVej) [kkrs

izå23 dksj cSfa dax esa iz;q‰ fofHkÈk 'kkWVZdV cVu dkSu&dkSu ls gS]a mudk
iz;ksx crkb;sA
må ,Q&7 µ [kkrs dk laf{kIr fooj.k tkuus ds fy,
,Q&8 µ iqjkus (cSd ekLVj) [kkrk la[;k ls u, (dksj cSfa dax)
[kkrk la[;k dh iwNrkN
,Q&10 µ [kkrsnkj ds gLrk{kj@ QksVks ns[kus ds fy,
,Q&11 µ Lÿhu dks cM+k vFkok NksVk djus ds fy,
,Q&12 µ igys dk;Z djrs le; Lÿhu esa iz;ksx fd, x, lh-
vkbZ-,Q-@ [kkrk la[;k dks iqu% u, Lÿhu esa fy[kus
(iqujko`fŸk) gsrq

[ 174 ]
izå24 dksj cSfa dax esa iz;q‰ fofHkUUk lkW∂Vos;j ,oa muds vkiwfrZdrkZvksa
ds uke D;k gSa \
må 1- cSDa l24@ caDS l fyad µ Qkbusfa l;y usVodZ lfoZlst izk- fy-]
vkLV™sfy;k
2- Qkbusl a ou µ dkWefyad] ;w-,l-,-
3- V™sM Qkbusl
a µ pkbuk flLVEl] nqcbZ
(ewy uke & ,fDt+e fcYl)
izå25 ,d VSyj (lh-ch-,l- iz;ksxdrkZ) dks vf/kdre fdrus Lÿhu
[kksyus pkfg, \
må rhu
izå26 udn lk[k (ds'k ÿsfMV) [kkrk ,oa pkyw [kkrk vksoj M™k∂V fdl
ekM~;wy ds varxZr [kksys tkrs gSa \
må fMikftV (DEP)
izå27 ch-th-,y- (czkp a tujy yStj) cukus gsrq fdl lkW∂Vos;j dk
iz;ksx fd;k tkrk gS \
må cSDa l&24 (B@NCS-24)
izå28 dksj cSfa dax dk MkVk lSVa j dgk° fLFkr gS \
må lh-Mh-lh-] Xykscy vkbZ-Vh- lSVa j] csykiqj] uoh eqEcbZ
izå29 dksj cSfa dax esa [kkrsnkj dks cSfa dax ysu&nsu gsrq D;k lqfo/kk,a gS\
må gekjk [kkrsnkj ns'k esa fdlh Hkh dksj cSfa dax 'kk[kk es]a ,-Vh-,e- ls
vFkok baVjusV cSfa dax (vkWu ykbu ,l-ch-vkbZ- MkWV dkWe) ds ek/;e
ls viuh lqfo/kkuqlkj vf/kœr ysu nsu dj ldrk gSA
izå30 dksj cSfa dax esa xzkgd dk [kkrk [kksyus ls iwoZ lh-vkbZ-,Q- cukus
gsrq U;wure fdruk Ldksj vko';d gS \
må 110
izå31 dS'k M™kvj fdUgsa cUn djuk vko';d gS \
må os lHkh VSyj tks jksdM ysu&nsu dk dk;Z djrs gSa vFkkZr~ lHkh
jksdfM,] VSyj] flaxy foaMks vkWijsVj] jksdM+ vf/kdkjh ,oa lfoZl
eSustj (ys[kkiky) vkfnA bUgsa nSfud dk;ks± dks iwjk djus ds i'pkr~
viuh dS'k M™kvj can djus ds ckn gh 'kk[kk NksM+uh pkfg,A
[ 175 ]
izå32 ;fn xzkgd }kjk ifjiDork frfFk ij fe;knh tek jkf'k dk
Hkqxrku ugha fy;k tk, rks D;k gksrk gS \
må fe;knh tek jkf'k dk mruh gh vof/k ds fy, vius vki (Lor%)
uohuhdj.k gks tkrk gSA
izå33 iz;ksx drkZ (;wtj) dh n`f"V ls cSd
a ekLVj ,oa dksj cSfa dax esa
izeq[k varj D;k gS \
må dksj cSfa dax esa dh&cksMZ ds lkFk&lkFk ekml dk Hkh iz;ksx fd;k
tkrk gSA
izå34 fdlh VSyj dh dS'k M™kvj dk 'ks"k D;k n'kkZrk gS \
må ml VSyj ds ikl ml le; miyC/k udn jkf'k (HkkSfrd jksdM+ 'ks"k)
izå35 'kke dks lHkh jksdfM+;ksa ls izkIr 'ks"k jkf'k dks jksdM+ vf/kdkjh
fdls vUrfjr djrk gS \
må okYV VSyj (lfoZl eSustj vFkkZr~ iwoZorhZ ys[kkiky) dks
izå36 fnu Hkj ds ysu nsu djus ds i'pkr~ vFkkZr~ bZ-vks-Mh- ls iwoZ okYV
VSyj dh dS'k Mkvj ds 'ks"k dk feyku fdlls fd;k tkrk gS \
må 'kk[kk ds HkkSfrd jksdM+ 'ks"k (gS.M cSyl
as ) ,oa 'kk[kk jksdM 'ks"k iqLrd
(czkp
a dS'k cSysal cqd)
izå37 dksj cSfa dax esa 01 tqykbZ] 2011 dks dSls fy[ksx
a s \
må 01@07@2011
izå38 ,d VSyj lh-Mh-lh- }kjk miyC/k djokbZ xbZ uohure tkudkjh@
dh xbZ uohure mn~?kks"k.kk,a dgk° ns[k ldrk gS\
må lfoZl MsLd iksVZy ij tkdj ,ukmalesVa ~l ds vUrxZrA
izå39 LVkQ dk lh-vkbZ-,Q- cukus gsrq dkSu lh lwpuk vfuok;Z dj nh
xbZ gS\
må LVkQ dk Hkfo"; fuf/k lwpdkad (PF Index No.)
izå40 dksj cSfa dax ds vUrxZr nks lh-ch-,l- 'kk[kkvksa ds e/; vUrj
'kk[kk ysunsu gsrq ubZ iz.kkyh dk uke D;k gS\
må vkbZ-ch-Vh-,l- (bUVj czkp
a V™kl
a Qj flLVe)
[ 176 ]
 16. laf{kIrk{kj (Abbreviations)
1- dEI;wVj ,oa lwpuk rduhdh
1- ,-,l-lh- % ,Vh,e fLop lsVa j (csykiqj] uoh eqEcbZ)
2- ,-Vh-,e- % vkVksesVsM VSyj e'khu] ,uh Vkbe euh
3- cSaDl&24 % cSDa l vkVkses'ku ,.M usVofd±x
(B@NCS-24) dUV™ksy flLVe Qkj 24 gkolZ
4- ch-lh-ih- % fctusl dUVhU;qVh Iyku
5- ch-th-,y- % czkp a tujy yStj
6- ch-,e-Mh-,-vkj-,l- % cSd ekLVj MkVk vkdhZOgy ,.M fjV™hoy
flLVe
7- ch-ih-vkj- % fctusl izkWlsl jh&bUthfu;fjax
8- lh-,-lh- % djsl a h ,MfefuLV™s'ku lSy
9- lh-ch-,l- % dksj cSfa dax lkWY;w'ku
10- lh-Mh- % dkEiSDV fMLd
11- lh-Mh-lh- % lSUV™sykbTM MkVk lSVa j
12- lh-th-,y- % dkiksZjsV tujy yStj
13- lh-vkbZ-,u-ch- % dkiksZjsV bUVjusV cSfa dax
14- lh-vkbZ-,Q- % dLVej bUQkWesZ'ku Qkby
15- lh-,e-ih- % dS'k eSustesVa izkWMDV
16- lh-ih-lh- % lSUVs™ykbTM izkslsflax lSUVj@ lSy
17- lh-ih-;w- % lS.V™y izkslsflax ;wfuV
18- Mh-,-Vh- (MsV) % fMftVy vkdhZOM Vsi
19- Mh-vks-,l- (MkWl) % fMLd vkWijsfVax flLVe
20- Mh-vkj-ih- % fMtkLVj fjdojh Iyku
21- Mh-oh-Mh- % fMftVy olsZVkby fMLd
22- bZ-lh-,l- % bysDV™kWfud Dyh;fjax flLVe
23- bZ-,Q-Vh- % bysDV™kWfud Q.M V™kl a Qj
24- bZ-vks-Mh- % ,.M vkWQ Ms
25- th-,y-vkbZ-,Q- % tujy yStj bUVjQsl Qkby
26- vkbZ-,Q-,l-lh- % bfUM;u QkbusfU'k;y flLVe dksM+
27- vkbZ-,e-ih-,l % bUVj cSd a eksckby isesaV lfoZl
28- vkbZ-,u-,Q-vkbZ-,u-bZ-Vh- % baVj QkbusfU'k;y usVodZ
[ 177 ]
29- vkbZ-,l-Mh- % bUQkesZ'ku flD;ksfjVh fMikVZesVa
30- vkbZ-Vh- % bUQkWesZ'ku VsDukWykth
31- vkbZ-,l-ih- % bUVjusV lfoZl izksokbMj
32- ,y-,-,u- (ysu) % yksdy ,fj;k usVodZ
33- ,e-vkbZ-lh-vkj- % eSXusfVd bad djsDVj fjdkfXu'ku
34- ,e-vkbZ-,l- % eSustesVa baQksesZ'ku flLVe
35- ,u-bZ-,Q-Vh- % us'kuy bysDV™kWfud Q.M V™kl a Qj
36- ,u-ih-lh-vkbZ- % us'kuy isesaV dkiksZjs'ku vkQ bfUM;k
37- vks-,y-Vh-,-,l (vksYVkl) % vkWu ykbu VSDl ,dkmfVax flLVe
38- ih-,-,u- (isu) % ijekusVa ,dkmaV uEcj
39- ih-vkbZ-,u- (fiu) % ilZuy vkbMsfUVfQds'ku uEcj
40- ih-vks-,l- % ikabV vkWQ lsy
41- ih-,l-th- % isesVa flLVEl xzqi
42- vkj-,-,e- % jsUMe ,Dlsl eseksjh
43- vkj-,-ch-,e-,u- % fjeksV ,fj;k fctusl eSlst usVodZ
44- vkj-Mh-ch-,e-,l- % fjys'kuy MkVkcsl eSustesVa flLVe
45- vkj-vkbZ-,u-ch- % fjVsy bUVjusV cSfa dax
46- vkj-vks-,e- % jhM vksuyh eseksjh
47- vkj-Vh-th-,l- % jh;y Vkbe xzkWl lSVyesVa
48- ,l-ch-vkbZ-vkbZ-lh-,e- % LVsV cSda bafLVV~;wV vkWQ bUQksesZ'ku ,.M
dE;wfuds'ku eSustesVa
49- ,l-,Q-,e-,l- % LV™DpMZ Qkbuasfl;y eSlsftax flLVe
50- ,l-vks-Mh- % LVkVZ vkWQ Ms
51- Vh-,-,u- (Vsu) % VSDl ,dkmafVax uEcj
52- ;w-lh-vks- (;wdks) % ;wtj daV™ksy vkWQhlj
53- ;w-ih-,l- % vubaVjIVsM ikoj lIykbZ
54- ;w-vkj-,y- % ;wfuolZy fjlkslZ yksdsVj
55- MCyw-,-,u- (osu) % okbM ,fj;k usVodZ
56- MCyw-MCyw-MCyw- % oMZ okbM oSc
57- oh-ih-vkbZ-,l- % osY;w,cy isij bUosUV™h flLVe
58- oh-vkbZ-vkj-;w-,l- (okbjl) % okbVy bUQksesZ'ku fjlkslsZt v.Mj
lht
59- oh-,l-,-Vh- (oh&lsV) % osjh Leky vipZj VfeZuy
60- oh-oh-vkj- % okmpj osjhfQds'ku fjiksVZ
[ 178 ]
 2- lkekU; cSfa dax
1. ARF = vkWfMV fjiksVZ QkesZV
2. BPLR = cSp
a ekdZ izkbe ySfMax jsV
3. BR = cSd
a jsV@ csl jsV
4. CAG = dkikZsjsV vdkmUV~l xqqzi
5. CAR = dsihVy ,Mhdslh js'kks
6. CBG = dkiksZjsV cSfa dax xqzi
7. CDO = dkiksZjsV@ lfdZy MoyiesUV vkWfQlj
8. CGM = phQ tujy eSustj
9. CMC = lfdZy eSustesUV desVh
10. CMS = dEIysVa eSusteasV flLVe
11. CRA = dLVej fjys'ku ,lksf'k,V
12. CRR = dS'k fjtoZ js'kks
13. CRO = dLVej fjys'ku vkWQhlj
14. FBT = f›at csfufQV VSDl
15. FEMA = Qksjsu ,DlpsUt eSustesVa ,DV
16. FIC = Qkbusfa l;y bUDywtu lSVa j
17. HRD = ·weu fjlkslsZt MoyiesUa V
18. HRMS = ·weu fjlkslsZt eSustesVa flLVe
19. IBTS = bUVj czkp a V™kl a Qj flLVe
20. IDBI = bUMfLV™;y MoyiesUa V cSd a vkWQ bf.M;k
21. IDF = bUosLVesVa fMDysjs'ku QkeZ
22. IRDA = bU';ksjsUl jsxwysVjh ,.M MoyiesUV vkFkkWfjVh
23. ISO = bf.M;u LVS.MMZl vkWxsZukbts'ku
24. IST = bfUM;u LVS.MMZ Vkbe
25. KCC = fdlku ÿsfMV dkMZ
26. KGC = fdlku xksYM dkMZ
27. KYC = uks ;ksj dLVej
28. LFAR = ykax QkeZ vkWfMV fjiksVZ
29. MCG = feM dkjiksjsV vdkmUV~l xzqi
30. M.D. = eSusftax Mk;jsDVj
[ 179 ]
31. MRT = ekdsZfVax ,.M fjdojh Vhe
32. NABARD = uS'kuy cSd a QkWj ,xzhdYpj ,.M :jy MoyieSUV
33. NBG = uS'kuy cSfa dax xqzi
34. NGO = ukWu xouZesVa vkWxsZukbts'ku
35. OLRO = vkWu yksdsy jhtuy vkWfQl
36. OTP = ou Vkbe ikloMZ
37. PPF = ifCyd izksfoMsUV Q.M ([kkrk)
38. PSU = ifCyd lsDVj v.MjVsfdax
39. RACPC = fjVsy vlsV~l lSUV™sykbTM izkslsflax lSUVj
40. RASMECCC = fjVsy ,lsV~l Leky ,.M ehfM;e ,UVjizkbtst
flVh ÿsfMV lsVa j
41. RMRO = :jy ekdsZfVax ,.M fjdojh vkQhlj
42 SBAR = LVsV cSd a ,MokUl jsV
43. SBF = Leky fctusl QkbusUl
44. SBLC = LVsV cSda yfu±x lsUVj
45. SECC = Leky ,UVjizkbtst ÿsfMV lsy
46. SMECCC = Leky ,.M ehfM;e ,UVjizkbtst flVh ÿsfMV lasVj
47. SEZ = Lis'ky bdukfed tksu
48. SGSY = Lo.kZ t;Urh xzke Lojkstxkj ;kstuk
49. SHG = lSYQ gSYi xzqi (Lo;a lgk;rk lewg)
50. SHPI = lSYQ gSYi izeksfVax bafLVV~;w'ku
51. SJSRY = Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk
52. SLR = LVsV~;wVjh fyfDofMVh js'kks
53. SMA = Lis'ky eS'a ku ,dkmUV
54. SME = Leky ,.M ehfM;e ,UVjizkbtst
55. SWO = flaxy fo.Mks vkijsVj
56. TDS = VSDl fMMDlu ,V lkslZ
57. TPM = V™kl
a Qj izkWbl esdsfuTe
58. VAT = osY;w ,MsM VSDl
59. VRS = okysUVjh fjVk;jesUV Ldhe
60. WTO = oYMZ V™sM vkWxsZukbts'ku
[ 180 ]
 17. vaxszth % vH;kl
1- ,d opu&cgqopu (Singular Plural)
,d opu (Singular) cgqopu (Plural)
1. Army — Armies
2. Baby — Babies
3. Box — Boxes
4. Boy — Boys
5. Boy friend — Boy friends
6. Branch — Branches
7. Brother — Brothers
8. Brush — Brushes
9. Buffalo — Buffaloes
10. Chief — Chiefs
11. Child — Children
12. City — Cities
13. Class — Classes
14. Clerk — Clerks
15. Clothe — Clothes
16. Colour — Colours
17. Day — Days
18. Desk — Desks
19. Dozen — Dozen
20. Duty — Duties
21. Fish — Fishes
22. Foot — Feet
23. Glass — Glasses
24. Hair — Hair
25. Half — Halves
26. Hero — Heroes
27. Kiss — Kisses
28. Knife — Knives

[ 181 ]
 29. Lady — Ladies
30. Life — Lives
31. M.P. — M.Ps
32. Man — Men
33. Mango — Mangoes
34. Match — Matches
35. Monkey — Monkeys
36. Mouse — Mice
37. Myself — Ourselves
38. News — News
39. Ox — Oxen
40. Servant — Servants
41. Sheep — Sheep
42. Singular — Plural
43. Son-in-law — Sons-in law
44. Story — Stories
45. Thief — Thieves
46. Tooth — Teeth
47. Watch — Watches
48. Wife — Wives
49. Woman — Women
50. Work — Works

2- iqfYyax&L=hfyax (Masculine–Feminine)
iqfYyax (Masculine) L=hfyax (Feminine)
1. Actor — Actress
2. Boy-friend — Girl friend
3. Brother — Sister
4. Bull — Cow
5. Cock — Hen
6. Dog — Bitch
7. Emperor — Empress
[ 182 ]
8. Father — Mother
9. Gentleman — Lady
10. Goat — She Goat
11. God — Goddess
12. Grand Father — Grand Mother
13. Grandson — Grand Daughter
14. He — She
15. Head Master — Head Mistress
16. Horse — Mare
17. Husband — Wife
18. Instructor — Instructress
19. King — Queen
20. Land Lord — Land lady
21. Lion — Lioness
22. Lord — Lady
23. Male Nurse — Female Nurse
24. Man — Woman
25. Manager — Manageress
26. Monk — Nun
27. Mr — Mrs
28. Nephew — Niece
29. Policeman — Police Woman
30. Prince — Princess
31. Servant — Maid
32. Sir — Madam
33. Tiger — Tigress
34. Uncle — Aunt
35. Waiter — Waitress
36. Washer man — Washer woman

[ 183 ]
3- foijhr 'kCn (Opposite word)
'kCn (Word) foijhrkFkZd 'kCn (Opposite Word)
1. Above — Below
2. Absent — Present
3. Accept — Reject
4. Agree — Disagree
5. Appear — Disappear
6. Beautiful — Ugly
7. Big — Small
8. Buy — Sell
9. Clean — Dirty
10. Come — Go
11. Comfort — Discomfort
12. Dark — Bright, Light
13. Day — Night
14. Debit — Credit
15. Definite — Indefinite
16. Deposit — Withdraw
17. Dry — Wet
18. Dull — Bright
19. Empty — Full
20. Enemy — Friend
21. Entry — Exit
22. Far — Near
23. Fast — Slow
24. Fat/ Thick — Thin
25. Friend — Foe
26. Full — Empty
27. Good — Bad
28. Happy — Sad/ Unhappy
29. Hard — Soft
30. Hate — Love
31. Heavy — Light
32. Honest — Dishonest
33. Hot — Cold
[ 184 ]
34. Import — Export
35. In — Out
36. Kind — Unkind, Cruel
37. Late — Early
38. Man — Woman
39. Minor — Major
40. More — Less
41. Oriental — Occidontal
42. Plus — Minus
43. Populated — Unpopulated
44. Rich — Poor
45. Profit — Loss
46. Respect — Disrespect
47. Right — Wrong
48. Senior — Junior
49. Sick — Healthy
50. Sit Down — Stand up
51. Simple — Complex
52. Sorrow — Joy
53. Strong — Weak
54. Sweet — Bitter, Sour
55. Take — Give
56. Top — Bottom
57. True — False
58. Up — Down
59. Victory — Defeat
60. Wake-up — Sleep
61. War — Peace
62. Weak — Strong
63. White — Black
64. Win — Loose
65. Wind — Unwind
66. Wise — Fool/ Foolish
67. Young — Old

[ 185 ]
4- uhps fn;s x;s fj‰ LFkkuksa dh iwfrZ gsrq œi;k lokZf/kd mi;q‰
fodYi dk pquko djsµa
1- You are late by half _______ hour.
(a) a (b) an (c) the
2- Mohan is _______ tallest boy in our school.
(a) a (b) an (c) the
3- Ram is going _______ school.
(a) to (b) for (c) in
4- They _______ cooking food.
(a) is (b) are (c) am
5- I _______ singing a song.
(a) is (b) are (c) am
6- They _______ played very well.
(a) has (b) have (c) are
7- The lion _______ killed a deer.
(a) has (b) have (c) is
8- Manoj has been writing a letter _______ two hours.
(a) for (b) since (c) in
9- We have been playing football _______ morning.
(a) for (b) since (c) in
10- He _______ a noise in the class.
(a) make (b) makes (c) made
11- I _______ ten books.
(a) has (b) have
12- They _______ talk to you.
(a) will (b) shall
[ 186 ]
13- It _______ rain today.
(a) will (b) shall
14- We _______ go to market.
(a) will (b) shall
15- I love _______ country.
(a) me (b) my
16- They _______ praying God.
(a) is (b) are (c) am
17- Harish _______ making a noise.
(a) was (b) were
18- Dinesh & John _______ running fast.
(a) was (b) were
19- They are looking _______ the teacher.
(a) to (b) for
20- They have finished _______ work.
(a) his (b) their (c) my
21- I shall complete _______ work by tommorrow morning.
(a) his (b) their (c) my
22- He is busy with _______ friend.
(a) his (b) their (c) my
23- He _______ to school daily.
(a) go (b) goes (c) going
24- I _______ done my work.
(a) have (b) has
25- They _______ football in the evening.
(a) play (b) plays
[ 187 ]
26- They _______ playing football.
(a) am (b) is (c) are
27- They _______ doing this work since morning
(a) will be (b) shall be
28- She has been _______ a lie.
(a) tell (b) telling (c) told
29- Ram _______ me on the way.
(a) meet (b) meets (c) met
30- Jassi _______ very well in the match yesterday.
(a) Played (b) plays (c) play
31- This dog _______ at me.
(a) bark (b) barks
32- Tina is _______ to market to buy a pen.
(a) go (b) goes (c) going
33- We _______ not make a noise.
(a) do (b) does
34- She is _______ the clothes.
(a) wash (b) washes (c) washing
35- I have been _______ to go there.
(a) allow (b) allowed
36- You will be _______ a prize.
(a) give (b) given
37- I shall _______ a movie.
(a) see (b) seen (c) seeing
38- Can I _______ this book.
(a) take (b) takes (c) taken
[ 188 ]
39- I used to go _______ the park daily.
(a) to (b) for (c) in
40- I _______ not need your help.
(a) do (b) does (c) did

mŸkjekyk
1- b 2- c 3- a 4- b 5- c 6- b 7- a
8- a 9- b 10- b 11- b 12- a 13- a 14- b
15- b 16- b 17- a 18- b 19- b 20- b 21- c
22- a 23- b 24- a 25- a 26- c 27- a 28- b
29- c 30- a 31- b 32- c 33- a 34- c 35- b
36- b 37- a 38- a 39- a 40- a

[ 189 ]
5- uhps fn;s x;s rhu okD;ksa ds lewg esa ,d okD; lgh gSA œi;k
lgh fodYi dk pquko djsµa

1- (a) Ram is go to school. ( )

(b) Ram is going to school. ( )
(c) Ram is gone to school. ( )
2- (a) Ganga is the holy river of Hindus. ( )
(b) The Ganga is the holy river of the Hindus. ( )
(c) Ganga are the holy river for the Hindus. ( )
3- (a) Amitabh has completed his work. ( )
(b) Amitabh have completed his work. ( )
(c) Amitabh has completed their work. ( )
4- (a) They are busy in his job. ( )
(b) They are busy in their job. ( )
(c) They is busy in his job. ( )
5- (a) I will complete this work within a hour. ( )
(b) I shall have complete this work within a hour. ( )
(c) I shall complete this work within an hour. ( )
6- (a) Ramesh is the best student in the class. ( )
(b) Ramesh is best student in the class. ( )
(c) Ramesh are the best student in the class. ( )
7- (a) I have been reading the Ramayana for morning. ( )
(b) I have been reading the Ramayana since
morning. ( )
(c) I have been read the Ramayana since morning. ( )
8- (a) Man, who met you on the way, was a real
culprit. ( )
(b) Man, who met you on the way, was the real
culprit. ( )
(c) The Man, who met you on the way, was the
real culprit. ( )
[ 190 ]
9- (a) I read Times of India daily in the morning. ( )
(b) I reads Times of India daily in the morning. ( )
(c) I read the Times of India daily in the morning. ( )
10- (a) He is go to market to purchase some fruits in
the evening. ( )
(b) He is go to market to purchase some fruits in the
evening. ( )
(c) He goes to market to purchase some fruits in
the evening. ( )
11- (a) I was completing my Project since last two hours.( )
(b) I have been completing my Project for last
two hours. ( )
(c) I have been completing my Project since
last two hours. ( )
12- (a) Asset which we are having, have since been
sold. ( )
(b) Assets which we were having, have since been
sold. ( )
(c) Assets which we was having, have since been
sold. ( )
13- (a) Hanuman Prasad does not obey the instructions
of his teachers. ( )
(b) Hanuman Prasad does not obey instructions
of his teachers. ( )
(c) Hanuman Prasad does not obey the instructions
of their teachers. ( )
14- (a) He has been order to do this work. ( )
(b) He has been ordered to do this work. ( )
(c) He have been ordered to do this work. ( )
15- (a) I have visited my village twice this year. ( )
(b) I has visited my village twice this year. ( )
(c) I have visit my village twice this year. ( )
[ 191 ]
16- (a) He drink a cup of tea. ( )
(b) He have drinked a cup of tea. ( )
(c) He drinks a cup of tea. ( )
17- (a) Ram has purchased book from the market. ( )
(b) Ram has purchased a book from the market. ( )
(c) Ram have purchased a book from the market. ( )
18- (a) There is 30 boyes in the class. ( )
(b) There are 30 boyes in the class. ( )
(c) There are 30 boys in the class. ( )
19- (a) Baby that always smiles, is like by me. ( )
(b) The Baby that always smiles, is liked by me. ( )
(c) The Baby that always smiles, is like by me. ( )
20- (a) He has purchased two hundreds books for sale. ( )
(b) He has purchased two hundred books for sale. ( )
(c) He have purchased two hundred books for sale. ( )

mŸkjekyk
1- b 2- b 3- a 4- b 5- c 6- a 7- b
8- c 9- c 10- c 11- b 12- b 13- a 14- b
15- a 16- c 17- b 18- c 19- b 20- b

[ 192 ]
 18. lkekU; tkx:drk
1- varjkZ"V™h; fÿdsV esa lokZf/kd 'krd yxkus dk fjdkMZ fdl f[kykM+h
us cuk;k gS \
(v) fjdh iksfVax (c) tSd dkfyl
(l) lfpu rsna qydj (n) fofo;u fjpMZ~l
2- vkbZ-lh-lh- fo'o di fÿdsV VwukZesVa esa fleSu vkWQ n VwukZesVa dk
f[krkcfi fdls fn;k x;k gS \
(v) lfpu rasnqydj (c) egsUÊ flag /kksuh
(l) ;qojkt flag (n) ohjsUÊ lgokx
3- lcls T;knk vkyw mRiknu fdl jkT; esa gksrk gS \
(v) mŸkj izns'k (c) mŸkjkapy
(l) gfj;k.kk (n) iatkc
4- Hkkjr ds jk"V™ifr dkSu gSa \
(v) ,-ih-ts- vCnqy dyke (c) Jherh izfrHkk nsoh flag ikfVy
(l) eueksgu flag (n) lkseukFk pVthZ
5- Hkkjr ds foŸk ea=h dkSu gSa \
(v) ih- fpnEcje (c) iz.ko eq[kthZ
(l) eksVa sd flag vgywokfy;k (n) vtqZu flag
6- i- caxky dh igyh efgyk eq[;ea=h dkSu cu∞a \
(v) Jherh olqU/kjk jkts (c) lqJh t; yfyrk
(l) lqJh eerk cuthZ (n) lqJh mek Hkkjrh
7- Hkkjr ds x`g ea=h dkSu gSa \
(v) iz.ko eq[kthZ (c) furh'k dqekj
(l) ykyw izlkn ;kno (n) ih- fpnEcje
8- Hkkjrh; LVsV cSd
a ds ps;jeSu dkSu gSa \
(v) Jh izrhi pkS/kjh (c) Jh vkse izdk'k HkV~V
(l) Jh iznhi pkS/kjh (n) Jh vkj- Jh/kju

[ 193 ]
9- 01 vizy S 2009 ls dkSu&lk dj lekIr dj fn;k x;k gS \
(v) ch-lh-Vh-Vh- (c) ,Q-ch-Vh-
(l) oh-,-Vh- (oSV) (n) lh-lh-Vh-
10- rkulsu dk edcjk dgk° fLFkr gSa \
(v) fnYyh (c) Qrsgiqj lhdjh
(l) Xokfy;j (n) vkxjk
11- o"kZ 2012 esa vksyfEid [ksy dgk° vk;ksftr fd, tk,axs\
(v) yanu (c) Vksfd;ks
(l) 'ka?kkbZ (n) nqcbZ
12- Hkkjr dh mHkjrh gqbZ Vsful izfrHkk dk uke D;k gS \
(v) lkfu;k fetkZ (c) lkbuh bczkfge
(l) f'k[kk vkscsjk; (n) lkfu;k usgoky
13- Hkkjrh; ou&Ms fÿdsV Vhe dk dIrku dkSu gS \
(v) lkSjo xkaxqyh (c) lfpu rsUnqydj
(l) jkgqy nzfoM+ (n) egsUÊ flag /kksuh
14- Hkkjrh; fjtoZ cSd a ds xoZuj dkSu gS\a
(v) Mh lqCckjko (c) lqchj xksd.kZ
(l) eksVa sd flag vgywokfy;k (n) iz.ko eq[kthZ
15- ns'k dh lcls cM+h futh dEiuh dk uke D;k gS \
(v) fjyk;Ul b.MLV™ht (c) bUQksfll
(l) foizks (n) VkVk LVhy
16- fdl Hkkjrh; O;fDr dks fo'o esa ^^LVhy fdax** ds uke ls tkuk
tkrk gS \
(v) y{eh feŸky (c) jru VkVk
(l) eqds'k vEckuh (n) vthe izse th
17- gekjs ns'k esa lcls /kuh O;fDr dkSu gS \
(v) eqds'k vEckuh (c) vfuy vEckuh
(l) vthe izse th (n) jru VkVk
18- o"kZ 2014 esa 20oas jk"V™eM
a y [ksykas dk vk;kstu dgk° fd;k tk,xk\
(v) yanu (fczVsu) (c) Xyklxks (LdkWVyS.M)
(l) esyckuZ (vkLV™sfy;k) (n) VksjsVa kas (dukM+k)
[ 194 ]
19- fcgkj ds orZeku eq[;ea=h dkSu gS\a
(v) Jh fufr'k dqekj (c) Jh ykyw izlkn ;kno
(l) Jherh jkcM+h nsoh (n) Jh lq'khy eksnh
20- xjhcksa ds fy, pykbZ xbZ okrkuqdwfyr jsyxkM+h dk D;k uke gS \
(v) Lo.kZ t;Urh (c) xjhc jFk
(l) isysl vkWu OghYl (n) loksZn;
21- dsUÊ ljdkj }kjk fdl unh dks jk"V™h; unh ?kksf"kr fd;k x;k gS \
(v) xaxk (c) ;equk
(l) egkunh (n) ueZnk
22- Hkkjrh; ewy dh fdl efgyk dks vesfjdk dh lcls rkdroj
efgyk gksus dk xkSjo izkIr gqvk gS \
(v) pUnk dkspj (c) bfUnjk uwbZ
(l) dYiuk pkoyk (n) uSyk yky
23- yksdlHkk v/;{k dk uke D;k gS\
(v) Jh ih- ,- laxek (c) Jh lkseukFk pVthZ
(l) Jh yky œ".k vkMokuh (n) Jherh ehjk dqekj
24- Hkkjr ds orZeku tux.kuk vk;qDr dkSu gSa \
(v) lh- pUÊekSfy (c) lse fi=ksnk
(l) uUnu uhysdkf.k (n) eksVa sd flag vgywokfy;k
25- orZeku esa ns'k ds mijk"V™ifr dkSu gSa \
(v) eks- gkfen vUlkjh (c) Jh HkSjksflag 'ks[kkor
(l) Jherh utek gsirqYyk (n) Jherh izfrHkk flag ikfVy
26- Hkkjr ljdkj us fdl tho dks jk"V™h; ty tho ?kksf"kr fd;k gS\
(v) exjePN (c) dNqvk
(l) MkWfYQu (n) >haxk ePNh
27- yksdlHkk ds mik/;{k in ij fdUgsa pquk x;k gS \
(v) lkseukFk pVthZ (c) Jherh ehjk dqekj
(l) dfj;k eqM a k (n) ykyœ".k vkMok.kh
28- vVkuhZ tujy ds in ij fdls fu;q‰ fd;k x;k gS \
(v) xqyke bZ okguorh (c) feyu dqekj cuthZ
(l) feyu dqekj pVthZ (n) jke tsBeykuh
[ 195 ]
29- fdax fQ'kj ,;j ykbu dEiuh ds ps;jeSu dkSu gSa \
(v) eqds'k vEckuh (c) jru VkVk
(l) fot; ekY;k (n) vthe izseth
30- fdl jktuhfrK dks vEek ds uke ls cqykrs gSa \
(v) t; yfyrk (c) eerk cuthZ
(l) mek Hkkjrh (n) lksfu;k xka/kh
31- Hkkjr ds fons'k ea=h dkSu gSa \
(v) uVoj flag (c) ,l-,e- œ".kk
(l) ,- ds- ,sVa ksuh (n) iz.ko eq[kthZ
32- Hkkjr ds j{kk ea=h dkSu gSa \
(v) ,- d-s ,sUVksuh (c) iz.ko eq[kthZ
(l) uVoj flag (n) tktZ QukZUMht
33- oksMkQksu dEiuh ds foKkiuksa esa fn[k jgs u, djsDVj dkSu gSa \
(v) tw tw (tks tks) (c) ,fy,al
(l) ph ph (n) ,uhes'ku
34- fj'rk ogh] lksp ubZ fdl Vhoh pSuy dh VSx ykbu gS \
(v) LVkj Iyl (c) lksuh
(l) vkt rd (n) dylZ
35- jk"V™h; ;kstuk vk;ksx dk v/;{k dkSu gksrk gS \
(v) Hkkjr ds jk"V™ifr (c) iz/kku ea=h
(l) yksd lHkk v/;{k (n) Hkk- fj- cSd
a ds xoZuj
36- VkVk LVhy us baXyS.M dh fdl dEiuh dk vf/kxzg.k fd;k\
(v) dksjl (c) vklZsyj
(l) ,ujksu (n) fVedsu
37- phu frCcr esa fdl unh ij cka/k cuk jgk gS \
(v) cz„iq= (c) xksnkojh
(l) egkuUnk (n) >sye
38- ckaXykns'k dh iz/kkuea=h dkSu gSa \
(v) 'ks[k glhuk (c) [kkfynk ft;k
(l) esnso nso (n) btktqÌhu vgen
[ 196 ]
39- fo'o ,M~l fnol dc euk;k tkrk gS\
(v) 14 Qjojh (c) 1 ebZ
(l) 8 vDVwcj (n) 1 fnlEcj
40- lM+d ekxks± dh yEckbZ esa izFke LFkku fdl jkT; dk gS\
(v) e/; izns'k (c) mŸkj izns'k
(l) egkjk"V™ (n) vkU/kz izns'k
41- ^^yksduk;d** ds miuke ls dkSu izflº gq, \
(v) t;izdk'k ukjk;.k (c) fprjatu nkl
(l) oYyHk HkkbZ iVsy (n) pkS/kjh nsoh yky
42- ^^etgc ugha fl[kkrk vkil esa cSj j[kuk** bu iafDr;ksa ds jpf;rk
dkSu gS\a
(v) eksgEen bdcky (c) fetkZ xkfyc
(l) fQjkd xksj[kiqjh (n) ,-ih-ts- vCnqy dyke
43- xka/kh th us lfou; voKk vkUnksyu dh 'kq:vkr dgk° ls dh Fkh\
(v) MkaMh (c) iksjcUnj
(l) dPN (n) vgenkckn
44- iapk;r esa pquko yM+us gsrq izR;k'kh (mEehnokj) dh U;wure vk;q
fdruh gksuh pkfg, \
(v) 18 o"kZ (c) 21 o"kZ
(l) 25 o"kZ (n) 30 o"kZ
45- ^^rkjs teha ij** fQYe ds eq[; uk;d (Hero) dkSu Fks\
(v) vkfej [kku (c) 'kkg#[k [kku
(l) lyeku [kku (n) bl uke dh dksbZ fQYe ugha
46- Hkkjr dk lcls vf/kd vkcknh okyk 'kgj dkSu&lk gS\
(v) fnYyh (c) dksydkrk
(l) eqEcbZ (n) psUubZ
47- Hkkjro"kZ vkdkj esa fo'o dk----------------------- lcls cM+k ns'k gSA
(v) ik°pok (c) NVk
(l) lkrok° (n) vkBok°
[ 197 ]
48- ukscsy iqjLdkj izkIr djus okys izFke Hkkjrh; dkSu gq,\
(v) johUÊ ukFk Bkdqj (c) MkW- lh-oh- jeu
(l) Mk- gjxksfoUn [kqjkuk (n) egkRek xk°/kh
49- vesfjdk ds jk"V™ifr dkSu gSa \
(v) tktZ MCyw cq'k (c) fcy fDyaVu
(l) cjkd vksckek (n) fgysjh fDyaVu
50- ikfdLrku ds jk"V™ifr dkSu gSa \
(v) vkflQ vyh tjnkjh (c) ijost eq'kjZQ
(l) lbZn eqrZtk (n) ;qlqQ jtk fxykuh
51- o"kZ 2010 esa 19osa jk"V™eM
a y [ksy dgk° vk;ksftr fd, x,\
(v) ubZ fnYyh (c) <+kdk
(l) flaxkiqj (n) flMuh
52- fdl 'kgj dks isBk uxjh ds uke ls tkuk tkrk gS \
(v) dkuiqj (c) eqjknkckn
(l) cjsyh (n) vkxjk
53- ubZ fnYyh esa 2010 esa gq, 19osa jk"V™eM
a y [ksyksa dk 'kqHkadj D;k Fkk\
(v) vIiw (c) Qqok
(l) 'ksjk (n) Qsokl
54- Vsyhfotu dk vkfo"dkj fdlus fd;k \
(v) ts-,y- cs;MZ (c) Fkkel ,Mhlu
(l) xzkge oSy (n) eknke D;wjh
55- Hkkjr dk jk"V™h; i{kh dkSu lk gS \
(v) gal (c) dks;y
(l) eksj (n) rksrk
56- Hkkjr dk jk"V™h; i'kq dkSu lk gS \
(v) gkFkh (c) cSy
(l) ck?k (n) fgj.k
57- gekjs ns'k dk loksZPp lEeku D;k gS \
(v) Hkkjr jRu (c) ine foHkw"k.k
(l) ineHkw"k.k (n) ineJh
[ 198 ]
58- fo'o esa lcls vf/kd ckfj'k gksus okyk 'kgj----------- gSA
(v) psjkiw°th (c) nkftZfyax
(l) dfyax iksx a (n) iksVZ Cys;j
59- Hkkjrh; efgyk Vsful f[kykM+h lkfu;k fetkZ us fdl ikfdLrkuh
fÿdsV f[kykM+h ls fookg fd;k gS\
(v) 'kks,c efyd (c) 'kks,c v[rj
(l) 'kkfgn vQjhnh (n) bateke&my&gd
60- fÿdsV Vhe esa fdrus f[kykM+h gksrs gSa \
(v) 11 (c) 12
(l) 13 (n) 15
61- flt; fgUnfi dk ukjk fdl LorU=rk laxzke lsukuh us fn;k Fkk \
(v) egkRek xka/kh (c) lqHkk"kpUÊ cksl
(l) tokgjyky usg: (n) Hkxr flag
62- flHkkjr NksM+ksfi dk ukjk fdl LorU=rk uk;d }kjk fn;k x;k Fkk \
(v) egkRek xka/kh (c) lqHkk"kpUÊ cksl
(l) tokgjyky usg: (n) Hkxr flag
63- jkT;lHkk ds v/;{k dkSu gksrs gSa \
(v) iz/kku ea=h (c) jk"V™ifr
(l) mijk"V™ifr (n) pquko vk;qDr
64- jk"V™xku ^^tux.k e.k vf/kuk;d t; gs** ds jpf;rk dkSu Fks \
(v) cafde pUnz pVthZ (c) eSFkyh'kj.k xqIr
(l) johUnz ukFk VSxksj (n) Lokeh foosdkuUn
65- Hkkjr ds izFke eqxy ckn'kkg dkSu Fks \
(v) gqeka;w (c) tgkaxhj
(l) ckcj (n) vkSjx a tsc
66- lu~ 1857 D;ksa izflº gS \
(v) egkRek xk°/kh dk Mk°Mh vkUnksyu (c) izFke LorU=rk laxzke
(l) lSfud foÊksg (n) c ,oa l
67- Hkkjr ds izFke varfj{k ;k=h dkSu Fks \
(v) jkds'k 'kekZ (c) dYiuk pkoyk
(l) ;wfj xxkfju (n) lquhrk fofy;El

[ 199 ]
68- Hkkjr ds leqnzh ekxZ dh [kkst fdlus dh Fkh \
(v) fÿLVksQj dksyEcl (c) okLdksfMxkek
(l) ekdksZiksyks (n) vyc#uh
69- vesfjdk ds leqnzh ekxZ dh [kkst fdlus dh Fkh \
(v) fÿLVksQj dksyEcl (c) okLdksfMxkek
(l) ;wfj xxkfju (n) vycqddZ
70- Hkkjr dk lcls vf/kd {ks=Qy okyk jkT; dkSu lk gS \
(v) e/; izns'k (c) mŸkj izns'k
(l) iatkc (n) jktLFkku
71- vkU/kz izns'k jkT; esa dkSu lh Hkk"kk cksyh tkrh gS \
(v) rsyxw (c) fgUnh
(l) ey;kye (n) vaxzsth
72- Hkkjr dk lcls cM+k jsfxLrku ^^Fkkj** fdl jkT; eas gS \
(v) iatkc (c) gfj;k.kk
(l) xqtjkr (n) jktLFkku
73- cky fnol fdl miy{k esa euk;k tkrk gS \
(v) Hkxoku Jhœ".k ds tUefnu
(c) ia- tokgj yky usg: ds tUe fnol ds :i esa
(l) yky cgknqj 'kkL=h ds tUe fnol ds :i esa
(n) Jherh bfUnjk xka/kh ds tUe fnu
74- cky fnol fdl frfFk dks euk;k tkrk gS \
(v) 15 vxLr (c) 14 flrEcj
(l) 14 uoEcj (n) 19 uoEcj
75- iksx
a y mRlo fdl jkT; ls lEcfU/kr gS \
(v) rfeyukMw (c) dsjy
(l) egkjk"V™ (n) mijks‰ esa ls dksbZ ugha
76- Hkkjrh; x.kjkT; ds izFke jk"V™ifr dkSu Fks \
(v) ia- tokgj yky usg: (c) MkW- jktsUÊ izlkn
(l) cYyHk HkkbZ iVsy (n) oh-oh- fxjh
77- vUrfj{k esa lokZf/kd le; jgus okyh izFke efgyk ;k=h dkSu gS\
(v) fel ekdZ bafXyl (c) esfj;k ,LVsyk iSjks
(l) lquhrk fofy;El (n) dYiuk pkoyk
[ 200 ]
78- VSLV eSpksa esa frgjk 'krd cukus okys igys Hkkjrh; cYysckt dkSu gS\a
(v) lquhy xkoLdj (c) dfiy nso
(l) lfpu rsna qydj (n) ohjsUÊ lgokx
79- ns'k dh izFke efgyk jkT;iky dkSu cuha\
(v) Jherh bfUnjk xk°/kh (c) ljkstuh uk;Mw
(l) lqpsrk œiykuh (n) mijks‰ esa ls dksbZ ugha
80- Hkkjr esa lcls de tula[;k okyk jkT;----------\
(v) fgekpy izns'k (c) ukxkySM a
(l) flfDde (n) mijks‰ esa ls dksbZ ugha
81- gekjs ns'k esa ^^jktHkk"kk ekl** dc euk;k tkrk gS\
(v) tuojh izfr o"kZ (c) vizyS izfr o"kZ
(l) flrEcj izfr o"kZ (n) fnlEcj izfr o"kZ
82- flMk°Mhfi tgk° ls egkRek xk°/kh us ,sfrgkfld ued lR;kxzg izkjEHk
fd;k] ns'k ds fdl jkT; esa gS \
(v) flDde (c) xqtjkr
(l) jktLFkku (n) egkjk"V™
83- flvtesjfi 'kgj fo'ks"k :i ls fdlds fy, tkuk tkrk gS \
(v) cqyUn njoktk
(c) egkdkyh dk efUnj
(l) [oktk eksbuqÌhu fp'rh (vtesj 'kjhQ) dh njxkg
(n) mijks‰ esa ls dksbZ ugha
84- Hkkjrh; turk ikVhZ ds orZeku v/;{k dkSu gS\
(v) jktukFk flag (c) ykyœ".k vMok.kh
(l) cSda ;
S k uk;Mw (n) fufru xMdjh
85- ,ojsLV dh PkksVh ij igq°pus okyh izFke efgyk----------\
(v) cNsUÊh iky (c) fdj.k csnh
(l) lquhrk fofy;El (n) dYiuk pkoyk
86- Hkkjr esa fdlh jkT; dh izFke efgyk eq[;ea=h----------\
(v) ljkstuh uk;Mw (c) t; yfyrk
(l) 'khyk nhf{kr (n) lqpsrk d`iykuh

[ 201 ]
87- Hkjriqj D;ksa izflº gS \
(v) laxejej dh [kkusa (c) yky iRFkj dh [kkusa
(l) ?kuk i{kh fogkj (n) ck?k vHk;kj.;
88- oYMZ fÿdsV di 2011 dk fotsrk dkSu gS \
(v) Jhyadk (c) ikfdLrku
(l) nf{k.k v›hdk (n) Hkkjr
89- mŸkjk[k.M dh jkt/kkuh dgk° gS \
(v) nsgjknwu (c) iks<+h x<+oky
(l) dksV }kj (n) mijks‰ esa ls dksbZ ugha
90- mŸkjk[k.M dk blls iwoZ D;k uke Fkk \
(v) x<+oky (c) mŸkjkapy
(l) dqek≈° (n) mijks‰ esa ls dksbZ ugha
91- gekjs ns'k esa ^^jktHkk"kk fnol** dc euk;k tkrk gS\
(v) 2 vDVwcj izfr o"kZ (c) 14 flrEcj izfr o"kZ
(l) 14 uoEcj izfr o"kZ (n) 24 vDVwcj izfr o"kZ

mŸkjekyk
1- l 2- l 3- v 4- c 5- c 6- l 7- n
8- v 9- v 10- l 11- v 12- v 13- n 14- v
15- v 16- v 17- v 18- c 19- v 20- c 21- v
22- c 23- n 24- v 25- v 26- l 27- l 28- v
29- l 30- v 31- c 32- v 33- v 34- v 35- c
36- v 37- v 38- v 39- n 40- l 41- v 42- v
43- v 44- v 45- v 46- l 47- l 48- v 49- l
50- v 51- v 52- n 53- l 54- v 55- l 56- l
57- v 58- v 59- v 60- v 61- c 62- v 63- l
64- l 65- l 66- n 67- v 68- c 69- v 70- n
71- v 72- n 73- c 74- l 75- v 76- c 77- l
78- n 79- c 80- l 81- l 82- c 83- l 84- n
85- v 86- n 87- l 88- n 89- v 90- c 91- c

[ 202 ]
 Hkkjr ds jkT; ,oa jkt/kkfu;k°
jkT; jkt/kkuh
1- v#.kkpy izns'k µ bZVkuxj
2- vklke µ fnliqj
3- vkU/kz izns'k µ gSnjkckn
4- mM+hlk µ Hkqous'oj
5- mŸkj izns'k µ y[ku≈
6- mŸkjk[kaM µ nsgjknwu
7- dukZVd µ caxyq: (caxykSj)
8- dsjy µ fr:oUriqje
9- xqtjkr µ xka/kh uxj
10- xksok µ i.kth
11- NŸkhlx<+ µ jk;iqj
12- tEew ,.M d'ehj µ Jhuxj@ tEew
13- >kj[k.M µ jkaph
14- rfeyukMq µ psUubZ
15- f=iqjk µ vxjryk
16- ukxkyS.M µ dksfgek
17- iatkc µ paMhx<+
18- if'pe caxky µ dksydkrk
19- fcgkj µ iVuk
20- ef.kiqj µ bEQky
21- e/;izns'k µ Hkksiky
22- egkjk"V™ µ eqEcbZ
23- fetksje µ vkbZtksy
24- es?kky; µ f'kyksax
25- jktLFkku µ t;iqj
26- flfDde µ xaxVksd
27- gfj;k.kk µ p.Mhx<+
28- fgekpy izns'k µ f'keyk

[ 203 ]
 dsUÊ 'kkflr izns'k ,oa eq[;ky;
1- v.Meku vkSj fudksckj }hi lewg µ iksVZ Cys;j
2- p.Mhx<+ µ p.Mhx<+
3- neu o nho µ neu
4- nknjk ,oa ukxj gosyh µ flyoklk
5- iqMqpsjh µ iqMqpsjh
6- y{k}hi µ dkokjŸkh
7- fnYyh µ ubZ fnYyh

fo'o ds izeq[k ns'kksa dh jkt/kkuh ,oa eqÊk,°

ns'k jkt/kkuh eqÊk
1- teZuh µ cfyZu µ ;wjks
2- ›kal µ isfjl µ ;wjks
3- baxyS.M (U.K.) µ yanu µ ikm.M LVfy±x
4- tkiku µ VksD;ks µ ;su
5- dqoSr µ dqoSr flVh µ dqorS h fnukj
6- la;q‰ jkT; µ okf'kaxVu Mh-lh- µ MkWyj
vesfjdk (USA)
7- bZjku µ rsgjku µ fj;ky
8- usiky µ dkBekaMw µ #i;k
9- Hkkjr µ ubZ fnYyh µ #i;k
10- phu µ chftax µ ;qvku
11- :l µ ekLdks µ :cy
12- vkLV™sfy;k µ dSucjk µ vkLV™sfy;u MkWyj
13- ikfdLrku µ bLykekckn µ #i;k
14- ckaXykns'k µ <+kdk µ Vdk
15- Jhyadk µ dksyEcks µ #i;k
16- bUMksusf'k;k µ tdkrkZ µ #i;k

[ 204 ]
 Hkkjr ds jk"V™h; izrhd

jk"V™h; fpUgµHkkjr dk jk"V™h; fpUg lkjukFk fLFkr v'kksd ds flag LrEHk ds 'kh"kZ Hkkx
dh vuqœfr gSA Hkkjr ljdkj us bls 26 tuojh] 1950 dks viuk;kA izrhd ds uhps
eaMdksif"kn~ esa fy[kk lw= ^lR;eso t;rs* nsoukxjh fyfi esa vafdr gSA

jk"V™h; /otµrhu ifV~V;ksa okyk frjaxk] xgjk dslfj;k (≈ijh)] lQsn (chp esa)
vkSj xgjk gjk jax (lcls uhps) gSA lQsn iV~Vh ds chp esa uhys jax dk pÿ gS ftlesa 24
rhfy;k° gSa rFkk bls lkjukFk esa v'kksd ds flag LrEHk ij cus pÿ ls fy;k x;k gSA /ot
dh yEckbZ ,oa pkSMk+ bZ dk vuqikr 3%2 gSA Hkkjr dh lafo/kku lHkk us jk"V™/ot dk izk:i
22 tqykbZ] 1947 bZ- dks viuk;kA jk"V™h; /ot dk dslfj;k jax tkx`fr] 'kkS;Z rFkk R;kx
dk] lQsn jax lR; ,oa ifo=rk dk] ,oa gjk jax thou le`fº dk izrhd gSA

jk"V™xkuµjohUÊukFk Bkdqj jfpr ^tu&x.k&eu* dks lafo/kku lHkk us 24 tuojh
1950 dks Hkkjr dk ^jk"V™xku* Lohdkj fd;kA bls xk;u dk le; 52 lSd.M gSA bls
johUÊukFk Bkdqj us 1912 bZ- esa ^rRocksf/kuh* esa ^Hkkjr HkkX; fo/kkrk* 'kh"kZd ls izdkf'kr
fd;k FkkA

jk"V™ xhrµHkkjr dk jk"V™h; xhr cafdepUÊ pVthZ }kjk fyf[kr ^oUnsekrje~* gSA bls
cafde pUÊ pVthZ }kjk fyf[kr ^vkuUneB* ls fy;k x;k gSA bl xhr dks loZizFke
1896 esa Hkkjrh; jk"V™h; dkaxzl s ds vf/kos'ku esa xk;k x;k FkkA lafo/kku lHkk us
24 tuojh] 1950 dks bl jk"V™xhr dks Hkh jk"V™h; xku ds leku xkSjo iznku fd;kA

jk"V™h; dSysUMjµfxzxfs j;u dSyUs Mj ds lkFk ns'kHkj ds fy, 'kd laor~ oj vk/kkfjr
jk"V™h; iapkx dks ljdkjh iz;ksx ds fy, 22 ekpZ] 1957 bZ- dks viuk;k x;kA bldk
igyk eghuk pS= gSA ;g lkekU;r% o"kZ dks 21 ekpZ dks ,oa yhi o"kZ esa 22 ekpZ dks
izkjaHk gksrk gSA

jk"V™h; iq"i µ dey (usyEcks U;wflQsjk)

jk"V™h; i{kh µ e;wj (ikoks fÿLVsVl)

jk"V™h; i'kq µ ck?k (iSaFkjk Vkbfxzal fyUuk;l) gSA

jk"V™h; unh µ xaxk
Hkkjr dk lokZf/kd cM+k] yEck ,oa špk

lcls ≈°ph ehukj µ dqrqcehukj (fnYyh)

lcls yEch unh µ xaxk unh

lcls ≈°ph >hy µ nsorky >hy (mŸkjk[k.M)

lcls ≈°ph pksVh µ xkWMfou vkWLkfVu (K-2)

lcls yEch lqjax µ tokgj lqjax (tEew d'ehj)

lcls ≈°pk ck°/k µ Hkk[kM+k ukaxy ck°/k

[ 205 ]

lcls cM+k jsfxLrku µ Fkkj (jktLFkku)

lcls cM+k xq:}kjk µ Lo.kZ eafnj] ve`rlj

lcls yEch ugj µ bfUnjk xk°/kh ugj (jktLFkku)

lcls cM+k fxjtkj?kj µ lsUV&dSFksM™y (xksok)

lcls yEck jsyekxZ µ tEew ls dU;k dqekjh

lcls yEch lM+d µ xzkaM V™ad jksM

lcls ≈°pk njoktk µ cqyan njoktk] Qrsgiqj lhdjh

lcls cM+k dkWjhMksj µ jkes'oje eafnj
Hkkjr esa izFke efgyk

Hkkjr dh izFke efgyk jk"V™ifr µ Jherh izfrHkk nsoh flag ikfVy

Hkkjr dh izFke efgyk iz/kku ea=h µ Jherh bfUnjk xk°/kh

Hkkjr dh izFke efgyk ykslHkk v/;{k µ Jherh ehjk dqekj

Hkkjr dh izFke efgyk 'kkfldk µ jkft;k lqYrku

Hkkjr dh izFke efgyk vkbZ-ih-,l- µ fdj.k csnh

Hkkjr dh izFke efgyk eq[;ea=h µ lqprs k œiykuh

Hkkjr dh izFke efgyk jkT;iky µ Jherh ljkstuh uk;Mw

Hkkjr dh izFke efgyk dsUÊh; ea=h µ jktdqekjh ve`r dkSj

Hkkjr dh izFke efgyk dkaxzl
s v/;{k µ MkW- ,uh cslUs V

lqizhe dksVZ dh izFke efgyk U;k;k/kh'k µ ,- Qkferk chch
Hkkjr esa izFke iq:"k

Hkkjr ds izFke mi&jk"V™ifr µ MkW- loZiYyh jk/kkœ".k

Hkkjr ds izFke ok;q lsuk/;{k µ ,;j ek'kZy ,l- eq[kthZ

Hkkjr dk izFke xoZuj tujy µ ykMZ fofy;e cSafVad

Hkkjrh; ty lsuk dk izFke lsuk/;{k µ okbl ,Mfejy vkj-Mh-dVkjh

Lora= Hkkjr ds izFke x`gea=h µ ljnkj cYyHk HkkbZ iVsy

[ 206 ]
 19. ekWMy VSLV isij
lkekU; tkx:drk (izFke)
uksVµizR;sd iz'u ds pkj fodYi fn, x, gSAa œi;k lcls mi;q‰ fodYi
dk pquko djsAa izR;sd iz'u ,d vad dk gSA iw.kk±d & 50

1- egs'k Hkwifr ,oa fy,.Mj isl dk lEcU/k fdl [ksy ls gS \

(d) dcM~Mh ( )
([k) QqVcky ( )
(x) VSful ( )
(?k) cSMfeUVu ( )
2- Hkkjr es lcls vf/kd xsgw° fdl jkT; esa iSnk gksrk gS \
(d) e/;izns'k ( )
([k) iatkc ( )
(x) gfj;k.kk ( )
(?k) mŸkj izns'k ( )
3- fo'o ds fdl ns'k esa 'kksd fnol ij jk"V™h; >.Mk ugha >qdk;k
tkrk \
(d) dqoSr ( )
([k) FkkbZy.S M ( )
(x) l≈nh vjc ( )
(?k) eysf'k;k ( )
4- Hkkjr dh izFke efgyk jktnwr dkSu cuha \
(d) jktdqekjh ve`r dkSj ( )
([k) fot; y{eh iafMr ( )
(x) lqpsrk œiykuh ( )
(?k) ljkstuh uk;Mw ( )
5- ijek.kq ≈tkZ la;=a ujksjk esa fctyh fdl inkFkZ ls curh gS \
(d) jsfM;e ( )
([k) ;wjsfu;e ( )
(x) ftdksZfu;e ( )
(?k) VkbVsfu;e ( )

[ 207 ]
6- fdl izflº ik'oZ xkf;dk dks daB dksfdyk dgrs gS \
(d) vk'kk Hkkaslys ( )
([k) lqeu dY;k.kiqj ( )
(x) vuqjk/kk ikSM+oky ( )
(?k) yrk eaxs'kdj ( )
7- Hkkjr ds lafo/kku dks fdrus Hkkxkas esa ckaVk x;k gS \
(d) 18 ( )
([k) 20 ( )
(x) 22 ( )
(?k) 24 ( )
8- dsUÊ ljdkj }kjk 31 vDVwcj] 2008 dks fdu nks Hkkjrh;
Hkk"kkvksa dks izkphu Hkk"kk dk ntkZ fn;k x;k gS \
(d) rsyqxw ,oa dUuM ( )
([k) rfey ,oa dUuM ( )
(x) rsyqxw ,oa rfey ( )
(?k) laLœr ,oa rfey ( )
9- fÿdsV ds [ksy esa csV~leSu ds ihNs [kM+s gksus okys f[kykM+h dks D;k
dgrs gS \
(d) fodsV dhij ( )
([k) juj ( )
(x) xasnckt ( )
(?k) ,Eik;j ( )
10- gekjs I;kjs frjaxs >.Ms esa mij ls uhps jax fdl ÿe esa gksrs gSa \
(d) dslfj;k] vklekuh] gjk ( )
([k) yky] gjk] lQsn ( )
(x) gjk] lQsn] dslfj;k ( )
(?k) dslfj;k] lQsn] gjk ( )
11- oUns ekrje~ fnol fdl frfFk dks euk;k tkrk gS \
(d) 26 tuojh ( )
([k) 15 vxLr ( )
(x) 5 flrEcj ( )
(?k) 7 flrEcj ( )

[ 208 ]
12- egkRek xka/kh dks loZ izFke egkRek fdlus dgk Fkk \
(d) ia- tokgj yky usg: ( )
([k) johUÊukFk VSxksj ( )
(x) ia- enu eksgu ekyoh; ( )
(?k) ljnkj oYyHk HkkbZ iVsy ( )
13- ,y-ch-MCyw- (LBW) 'kCn dk lEcU/k fdl [ksy ls gS \
(d) QqVcky ( )
([k) fÿdsV ( )
(x) Vsful ( )
(?k) gkWdh ( )
14- lalkj esa LoPN ty dh lcls cM+h >hy dkSu&lh gS\
(d) ysd foDVksfj;k ( )
([k) ysd lqihfj;j ( )
(x) ysd cyd'k ( )
(?k) ysd fe'khxu ( )
15- vkdk'k uhyk fn[kkbZ nsrk gS D;ksfa d -------------------- \
(d) og oLrqr% uhyk gS A ( )
([k) lHkh jax feydj uhyk jax cukrs gS A ( )
(x) 'osr izdk'k esa uhyk ?kVd izcy gksrk gS A ( )
(?k) ok;qe.My vU; jaxkas dh vis{kk uhys jax dk vf/kd
izdh.kZu (fc[kjko) djrk gS A ( )
16- fo'o lqn
a jh cuus okyh izFke Hkkjrh; efgyk dkSu Fkh \
(d) thur veku ( )
([k) jhrk Qkfj;k ( )
(x) lqf"erk lsu ( )
(?k) eqerkt ( )
17- pUnzxzg.k dc gksrk gS \
(d) iwf.kZek ds fnu tc pUÊek i`Foh vkSj lw;Z ds chp ( )
gksrk gSA
([k) iwf.kZek ds fnu tc i`Foh lw;Z vkSj pUÊek ds chp ( )
gksrh gSA
(x) vekoL;k ds fnu tc i`Foh lw;Z vkSj pUÊek ds chp ( )
gksrh gS A
(?k) vekoL;k ds fnu tc pUÊek i`Foh vkSj lw;Z ds chp ( )
gksrk gSA
[ 209 ]
18- gekjk jk"V™h; Qwy dkSu lk gS \
(d) dey ( )
([k) xqykc ( )
(x) xsna k ( )
(?k) xqyeksgj ( )
19- gekjk jk"V™h; [ksy dkSu&lk gS \
(d) QqVcky ( )
([k) gkWdh ( )
(x) csMfeUVu ( )
(?k) fdÿsV ( )
20- 'osr ÿkafr fdlls lEcfU/kr gS\
(d) nqX/k mRiknu ( )
([k) v.Mk mRiknu ( )
(x) e/kqeD[kh ikyu ( )
(?k) Qyksa dk mRiknu ( )
21- lw;Z xzg.k dc gksrk gS\
(d) iwf.kZek ds fnu tc pUÊek i`Foh vkSj lw;Z ds chp ( )
gksrk gSA
([k) iwf.kZek ds fnu tc i`Foh lw;Z vkSj pUÊek ds chp gksrh gSA( )
(x) vekoL;k ds fnu tc i`Foh lw;Z vkSj pUÊek ds chp ( )
gksrh gS A
(?k) vekoL;k ds fnu tc pUÊek i`Foh vkSj lw;Z ds chp ( )
gksrk gSA
22- fdu nks egkiq#"kkas dh tUe frfFk 2 vDVwcj gS \
(d) egkRek xka/kh] yky cgknqj 'kkL=h ( )
([k) egkRek xka/kh] tokgj yky usg: ( )
(x) egkRek xka/kh] ljnkj iVsy ( )
(?k) egkRek xka/kh] [kku vCnqy x∂Qkj [kku
(lhekUr xk°/kh) ( )
23- fuEu esa ls lcls yEch unh dkSu&lh gS \
(d) dkosjh ( )
([k) lryt ( )
(x) ;equk ( )
(?k) xaxk ( )

[ 210 ]
24- tEew ,oa d'ehj jkT; dh 'khrdkyhu jkt/kkuh dkSu lh gS \
(d) tEew ( )
([k) f'keyk ( )
(x) Jhuxj ( )
(?k) ≈/keiqj ( )
25- p.Mhx<+
(d) ,d dsUÊ 'kkflr jkT; gS ( )
([k) iatkc dh jkt/kkuh gS ( )
(x) gfj;k.kk dh jkt/kkuh gS ( )
(?k) mijksDr lHkh gS ( )
26- flD[k /keZ fdlus pyk;k \
(d) xq: ukud ( )
([k) xq: xksfoUn flag ( )
(x) vtqZu nso ( )
(?k) xq: rsx cgknqj ( )
27- fo'o dh lcls izkphu /kkfeZd iqLrd dkSu&lh gS \
(d) ckbcy ( )
([k) jkek;.k ( )
(x) Jhen~ Hkkxor xhrk ( )
(?k) ΩXosn ( )
28- ikuh fdu xSlkas ls feydj curk gS \
(d) gkbZM™kstu vkSj ukbM™kstu ( )
([k) gkbZM™kstu vkSj vkWDlhtu ( )
(x) ukbV™kstu vkSj vkWDlhtu ( )
(?k) gkbM™kstu vkSj ghfy;e ( )
29- fo'o dk ,d ek= cz„k th dk efUnj dgka fLFkr gS \
(d) t;iqj ( )
([k) iq"dj ( )
(x) vkesj ( )
(?k) mn;iqj ( )
30- Jhen~ Hkkxor xhrk esa fdrus v/;k; gS \
(d) 24 ( )
([k) 16 ( )
(x) 18 ( )
(?k) 15 ( )
[ 211 ]
31- lcls cM+k egklkxj dkSu lk gS \
(d) iz'kkUr ( )
([k) fgUn ( )
(x) vVykafVd ( )
(?k) vkdZfVd ( )
32- fuEu esa ls fdl Hkkjrh; efgyk dks ukscsy iqjLdkj feyk \
(d) bfUnjk xka/kh ( )
([k) egknsoh oekZ ( )
(x) fdju csnh ( )
(?k) enj Vsjslk ( )
33- fdl i{kh dk v.Mk lcls cM+k gksrk gS \
(d) 'kqrqeqxZ ( )
([k) eksj ( )
(x) lkjl ( )
(?k) jktgal ( )
34- fdl ns'k dks mxrs lw;Z dh /kjrh dgk tkrk gS \
(d) tkiku ( )
([k) dksfj;k ( )
(x) bUMksusf'k;k ( )
(?k) Hkkjr ( )
35- Hkkjr esa vaxzsth f'k{kk dh 'kq:vkr fdlus dh Fkh \
(d) ykMZ dtZu ( )
([k) ykMZ MygkSth ( )
(x) ykMZ eSdkys ( )
(?k) tokgj yky usg: ( )
36- Hkkjr dk jk"V™h; xhr fdlus fy[kk Fkk \
(d) johUnz ukFk VSxksj ( )
([k) cafdepUnz pVthZ ( )
(x) egkeuk enu eksgu ekyoh; ( )
(?k) egkRek xka/kh ( )
37- fo'o esa lcls vf/kd cksyh tkus okyh Hkk"kk dkSu&lh gS \
(d) phuh ( )
([k) vaxszth ( )
(x) vjch ( )
(?k) fgUnh ( )
[ 212 ]
38- Hkkjr ds iwoZ jk"V™ifr ,-ih-ts- vCnqy dyke bl in ij vkus ls
iwoZ D;k Fks \
(d) vFkZ'kkL=h ( )
([k) nk'kZfud ( )
(x) Hkwxksyfon ( )
(?k) oSKkfud ( )
39- Hkkjrh; x.kjkT; ds izFke jk"V™ifr dkSu Fks \
(d) MkW- loZiYyh jk/kkœ".ku ( )
([k) oh- oh- fxjh ( )
(x) Q[k:n~nhu vyh vgen ( )
(?k) MkW- jktsUnz izlkn ( )
40- ^^bUdykc ftUnkckn** dk ukjk fdlus fn;k Fkk \
(d) Hkxr flag ( )
([k) ykyk yktir jk; ( )
(x) pUÊ'ks[kj vktkn ( )
(?k) lqHkk"k pUÊ cksl ( )
41- xckZ u`R; dk lEcU/k fdl jkT; ls gS \
(d) iatkc ( )
([k) xqtjkr ( )
(x) fcgkj ( )
(?k) i- caxky ( )
42- Jhen~ Hkkxor xhrk dh jpuk fdlus dh Fkh \
(d) egf"kZ osn O;kl ( )
([k) dkyhnkl ( )
(x) lwjnkl ( )
(?k) rqylhnkl ( )
43- yksd lHkk esa fdrus lnL; gksrs gSa \
(d) 541 ( )
([k) 542 ( )
(x) 543 ( )
(?k) 544 ( )

[ 213 ]
44- izflº xkso/kZu ioZr dgk° gS \
(d) eFkqjk esa ( )
([k) cukjl esa ( )
(x) bykgckn esa ( )
(?k) x;k esa ( )
45- Hkkjr ds izFke 6 eqxy lezkVkas dk lgh ÿe D;k gS \
(d) ckcj] vdcj] gqek;q]° tgk°xhj] 'kkgtgk°] vkSjx
a tsc ( )
([k) ckcj] vdcj] gqek;q]° 'kkgtgk°] tgk°xhj] vkSjxa tsc ( )
(x) ckcj] gqek;q]° vdcj] 'kkgtgk°] tgk°xhj] vkSjx a tsc ( )
(?k) ckcj] gqek;q]° vdcj] tgk°xhj] 'kkgtgk°] vkSjx a tsc ( )
46- vk;ksMhu dh deh ls dkSu&lk jksx gksrk gS \
(d) ?kas/kk ( )
([k) xyk ?kksVw ( )
(x) eksVkik c<+uk ( )
(?k) e/kqesg ( )
47- lUrjs eas dkSu&lk foVkfeu ik;k tkrk gS \
(d) , ( )
([k) ch ( )
(x) lh ( )
(?k) Mh ( )
48- laxe (iz;kx) esa feyus okyh rhu ufn;ksa ds ukeA
(d) xaxk] ;equk] ?kk?kjk ( )
([k) ;equk] lryt] ljLorh ( )
(x) cz„iq=] xaxk] ;equk ( )
(?k) xaxk] ;equk] ljLorh ( )
49- cqyUn njoktk dgka fLFkr gS \
(d) Qrsgiqj lhdjh] vkxjk ( )
([k) fldUnjk] vkxjk ( )
(x) gok egy] t;iqj ( )
(?k) esgjkux<+ fdyk] tks/kiqj ( )

[ 214 ]
50- Hkki ds batu dk vfo"dkjd dkSu Fkk \
(d) tsEl okV ( )
([k) LosV ekWMZu ( )
(x) ekjdkSuh ( )
(?k) jkbZV czknlZ ( )

mŸkjekyk

1- x 2- [k 3- x 4- [k 5- [k 6- ?k 7- x
8- d 9- d 10- ?k 11- ?k 12- [k 13- [k 14- [k
15- ?k 16- [k 17- [k 18- d 19- [k 20- d 21- ?k
22- d 23- ?k 24- d 25- ?k 26- d 27- ?k 28- [k
29- [k 30- x 31- d 32- ?k 33- d 34- d 35- x
36- [k 37- d 38- ?k 39- ?k 40- d 41- [k 42- d
43- x 44- d 45- ?k 46- d 47- x 48- ?k 49- d
50- d

[ 215 ]
 20. ekWMy VSLV isij
lkekU; tkx:drk (f}rh;)
uksVµizR;sd iz'u ds pkj fodYi fn, x, gSAa œi;k lcls mi;q‰ fodYi
dk pquko djsAa izR;sd iz'u ,d vad dk gSA iw.kk±d & 50
1- jk"V™h; vodk'k dkSu
S &dkSu ls gS \
(d) 26 tuojh] 15 vxLr] 2 vDVwcj ( )
([k) nhikoyh] j{kkcU/ku] 15 vxLr ( )
(x) 26 tuojh] 1 vizy S ] 15 vxLr ( )
(?k) 1 vizy S ] 30 flrEcj] 25 fnlEcj ( )
2- ,f'k;k egk}hi dh lcls yEch unh dkSu&lh gS \
(d) ;kaxRth (phu) ( )
([k) cz„iq= (phu] Hkkjr) ( )
(x) xaxk (Hkkjr) ( )
(?k) fla/k (Hkkjr] ikfdLrku) ( )
3- Hkkjr dk fLoVtjyS.M fdl jkT; dks dgk tkrk gS \
(d) fgekpy izns'k ( )
([k) dukZVd ( )
(x) v#.kkpy izns'k ( )
(?k) tEew ,oa d'ehj ( )
4- laln lnL; cuus ds fy, U;wure vk;q fdruh gksuh pkfg,\
(d) 20 o"kZ ( )
([k) 18 o"kZ ( )
(x) 31 o"kZ ( )
(?k) 25 o"kZ ( )
5- Hkkjrh; lafo/kku ds eq[; jpf;rk dkSu Fks \
(d) ljnkj oYyHk HkkbZ iVsy ( )
([k) Mk- Hkhejko vEcsMdj ( )
(x) ia- tokgj yky usg: ( )
(?k) Mk- loZiYyh jk/kkœ".ku ( )
6- jkT;lHkk ds lnL;kas dk dk;Zdky fdrus o"kZ dk gksrk gS \
(d) 6 o"kZ ( )
([k) 5 o"kZ ( )

[ 216 ]
 (x) 4 o"kZ ( )
(?k) 3 o"kZ ( )
7- fdl Hkkjrh; efgyk varfj{k oSKkfud dh e`R;q varfj{k ;ku ds
i`Foh ij okil ykSVrs le; gks xbZ Fkh \
(d) vkjk/kuk pkoyk ( )
([k) dkeuk pkoyk ( )
(x) Le`fr pkoyk ( )
(?k) dYiuk pkoyk ( )
8- fdlh jkT; ds loksPZ p iqfyl vf/kdkjh dk inuke D;k gksrk gS \
(d) iqfyl vk;qDr ( )
([k) iqfyl dIrku ( )
(x) ofj"B iqfyl v/kh{kd ( )
(?k) iqfyl egkfuns'kd ( )
9- jkT;lHkk esa euksuhr lnL;kas dh la[;k fdruh gksrh gS \
(d) 12 ( )
([k) 10 ( )
(x) 8 ( )
(?k) 6 ( )
10- gekjk jk"V™h; fpUg] ftlesa 4 flag ,d&nwljs dh vksj ihB djds
cSBs gq, gS]a dgk° ij fLFkr LrEHk ls fy;k x;k gS \
(d) bykgkckn ( )
([k) ukyUnk ( )
(x) r{kf'kyk ( )
(?k) lkjukFk ( )
11- fuEu esa ls dkSu lk i{kh mM+ ugha ldrk gS \
(d) eksj ( )
([k) cr[k ( )
(x) 'kqrqeqZxZ ( )
(?k) lkjl ( )
12- ikfdLrku LorU=rk fnol dc eukrk gS \
(d) 13 vxLr ( )
([k) 14 vxLr ( )
(x) 15 vxLr ( )
(?k) 16 vxLr ( )

[ 217 ]
13- [kqtjkgks D;kas izflº gS \
(d) tSu /keZ ds eafnjkas ds fy, ( )
([k) lksus dh [kkukas ds fy, ( )
(x) ;gk° egkRek cqº dks Kku izkIr gqvk gSA ( )
(?k) e/;;qxhu fgUnw eafnjkas ds fy, ( )
14- fo'o esa lcls vf/kd vkcknh fdl 'kgj esa gS \
(d) yUnu ( )
([k) eqEcbZ ( )
(x) Vksfd;ks ( )
(?k) 'ka?kkbZ ( )
15- lcls vf/kd pkoy fdl jkT; esa iSnk gksrk gS \
(d) i- caxky ( )
([k) mŸkj izns'k ( )
(x) e/; izns'k ( )
(?k) vkU/kz izns'k ( )
16+- mŸkj izns'k esa rsy 'kks/kd dkj[kkuk dgka yxk;k x;k gS \
(d) okjk.klh ( )
([k) eFkqjk ( )
(x) feTkkZiqj ( )
(?k) gjnksbZ ( )
17- ia- gfj izlkn pkSjfl;k dk lEcU/k fdl ok| ;a= ls gS \
(d) caklqjh ( )
([k) rcyk ( )
(x) oh.kk ( )
(?k) flrkj ( )
18- ?kwej u`R; dk lEcU/k fdl jkT; ls gS \
(d) xqtjkr ( )
([k) gfj;k.kk ( )
(x) jktLFkku ( )
(?k) e/; izns'k ( )
19- Hkkjr us izFke ijek.kq ijh{k.k fdl LFkku ij fd;k Fkk \
(d) ckMesj ( )
([k) tks/kiqj ( )
(x) mn;iqj ( )
(?k) iks[kju ( )
[ 218 ]
20- ikS/ks Hkkstu cukrs le; dkSu&lh xSl ckgj fudkyrs gS \
(d) vkDlhtu ( )
([k) dkcZu MkbZ vkDlkbM ( )
(x) ukbV™kstu ( )
(?k) ehFksu ( )
21- 'kkafr fudsru dk lEcU/k fdl egkiq:"k ls gS \
(d) ia- enu eksgu ekyoh; ( )
([k) vkpk;Z œiykuh ( )
(x) egkf"kZ vjfoan ( )
(?k) johUÊ ukFk VSxksj ( )
22- ioZrh; i;ZVu LFky ipe<+h fdl jkT; esa fLFkr gS \
(d) e/; izns'k ( )
([k) jktLFkku ( )
(x) xqtjkr ( )
(?k) fgekpy izns'k ( )
23- yksd lHkk ds ps;j ilZu D;k dgykrs gS\
(d) izslhMsUV ( )
([k) okbl izslhMsUV ( )
(x) ps;j eSu ( )
(?k) LIkhdj ( )
24- izflº rhFkZ LFky mTtSu fdl unh ds fdukjs ij fLFkr gS \
(d) f{kizk ( )
([k) ueZnk ( )
(x) rkIrh ( )
(?k) xksnkojh ( )
25- fo'o esa fdl ns'k dk lafo/kku lcls yEck gS \
(d) vesfjdk ( )
([k) Hkkjr ( )
(x) fczVsu ( )
(?k) ikfdLrku ( )
26- Vsgjh cka/k dk fuekZ.k fdl unh ij fd;k x;k gS \
(d) ;equk ( )
([k) lryt ( )
(x) HkkxhjFkh ( )
(?k) xaxk ( )
[ 219 ]
27- izflº ehukj ^^pkj ehukj^^ fdl 'kgj esa gS \
(d) y[ku≈ ( )
([k) ubZ fnYyh ( )
(x) gSnjkckn ( )
(?k) cM+kSnk ( )
28- fuEu esa ls Hkkjr dk lcls cM+k cka/k dkSu&lk gS\
(d) ghjkdqM ( )
([k) HkkxM+k ukaxy ( )
(x) xksfoUn lkxj ( )
(?k) xka/khlkxj ( )
29- izflº lw;Z efUnj dgka fLFkr gS \
(d) fenukiqj] i- caxky ( )
([k) ,ysIih] dsjy ( )
(x) dks.kkdZ] mM+hlk ( )
(?k) šdkjs'oj] e/; izns'k ( )
30- ck?kkas ds fy, izflº j.kFkEHkkSj us'kuy ikdZ dgk° fLFkr gS \
(d) uSuhrky] mŸkj izns'k ( )
([k) lokbZ ek/kksiqj] jktLFkku ( )
(x) twukx<+] xqtjkr ( )
(?k) f'koiqjh] e/; izns'k ( )
31- egkuxj fuxe ds lcls cM+s fuokZfpr tuizfrfuf/k D;k dgykrs gS\
(d) egkikSj ( )
([k) uxj vk;qDr ( )
(x) ik"kZn ( )
(?k) uxj izeq[k ( )
32- nhu&,&bykgh /keZ ds izorZd dkSu Fks\ ( )
(d) vcqy QT+ky ( )
([k) vdcj ( )
(x) Vhiw lqYrku ( )
(?k) vkSjx
a tSc ( )
33- xktj esa dkSu lk foVkfeu vf/kd ik;k tkrk gS \
(d) bZ ( )
([k) Mh ( )

[ 220 ]
 (x) lh ( )
(?k) , ( )
34- ge lkal fudkyrs le; dkSu lh xSl ckgj fudkyrs gS \
(d) dkcZu MkbZ vkDlkbM ( )
([k) vkDlhtu ( )
(x) ehFksu ( )
(?k) ukbV™kstu ( )
35- fles?knwrfi dh jpuk fdlus dh \
(d) dkSfVY; ( )
([k) rqylhnkl ( )
(x) dkyhnkl ( )
(?k) lwjnkl ( )
36- fdl uxj dks xqykch 'kgj ds uke ls Hkh tkuk tkrk gS \
(d) mn;iqj ( )
([k) t;iqj ( )
(x) tks?kiqj ( )
(?k) vtesj ( )
37- yky fdyk dgka fLFkr gS \
(d) fnYyh ( )
([k) uSuh ( )
(x) tks?kiqj ( )
(?k) t;iqj ( )
38- eksckby VsyhQksu ds uEcj fdrus vadksa ds gksrs gSa \
(d) nl ( )
([k) X;kjg ( )
(x) ukS ( )
(?k) vkB ( )
39- Hkkjrh; x.kjkT; dh izFke efgyk jk"V™ifr dkSu cuh \
(d) ljkstuh uk;Mw ( )
([k) Jherh lksfu;k xk°/kh ( )
(x) Jherh izfrHkk nsoh flag ikfVy ( )
(?k) Jherh fot; y{eh iafMr ( )

[ 221 ]
40- egkHkkjr esa ck.k 'kS;k ij ysVs jgs egkiq:"k dk uke D;k Fkk \
(d) vtZqu ( )
([k) Hkh"e firkeg ( )
(x) ;qf/kf"Bj ( )
(?k) Êks.kkpk;Z ( )
41- iafMr jfo 'kadj fdl ok| ;a= ls lEcfU/kr gaS \
(d) ckalqjh ( )
([k) flrkj ( )
(x) rcyk ( )
(?k) gjeksfu;e ( )
42- dykdkj ,e- ,Q- gqlu
S dks fdl {ks= esa [;kfr izkIr Fkh\
(d) u`R; ( )
([k) isfa Vax ( )
(x) ,fDVax ( )
(?k) dkVwZfuLV ( )
43- fnYyh esa ;equk unh ds fdukjs cuh gekjs iwoZ iz/kkuea=h Lo- Jh
yky cgknqj 'kkL=h dh lekf/k fdl uke ls izflº gS \
(d) fot; ?kkV ( )
([k) t; toku ?kkV ( )
(x) jkt?kkV ( )
(?k) 'kkfUrou ( )
44- dqrqcehukj dgk° fLFkr gS \
(d) fnYyh ( )
([k) Qrsgiqj lhdjh ( )
(x) vkxjk ( )
(?k) gSnjkckn ( )
45- bUnz /kuq"k lkekU;rk fdl Ωrq esa fn[kkbZ nsrk gS \
(d) clUr Ωrq esa ( )
([k) 'kjn Ωrq esa ( )
(x) o"kkZ Ωrq esa ( )
(?k) xzh"e Ωrq esa ( )

[ 222 ]
46- fdl 'kgj dks >hykas dh uxjh dgk tkrk gS \
(d) t;iqj ( )
([k) mn;iqj ( )
(x) vtesj ( )
(?k) uSuhry ( )
47- ^^tfy;k° okyk ckx** dk.M dgka gqvk Fkk \
(d) ifV;kyk eas ( )
([k) ve`rlj esa ( )
(x) tkya?kj esa ( )
(?k) yqf?k;kuk esa ( )
48- Hkkjr esa dSl
a j ds bykt dk lcls cM+k fpfdRlk dsUnz dgk° gS \
(d) eqEcbZ ( )
([k) ubZ fnYyh ( )
(x) psUubZ ( )
(?k) dksydkrk ( )
49- fllR;kFkZ izdk'kfi uked xzUFk ds jpf;rk dkSu Fks\
(d) Lokeh n;kuUn ljLorh ( )
([k) Lokeh foosdkuUn ( )
(x) Lokeh jkeœ".k ijegal ( )
(?k) xq:ukud ( )
50- la;qDr jk"V™ fnol fdl frfFk dks euk;k tkrk gS\
(d) 16 vDVwcj ( )
([k) 24 vDVwcj ( )
(x) 30 vDVwcj ( )
(?k) 9 vDVwcj ( )
mŸkjekyk
1- d 2- d 3- ?k 4- ?k 5- [k 6- d 7- ?k
8- ?k 9- d 10- ?k 11- x 12- [k 13- ?k 14- ?k
15- d 16- [k 17- d 18- x 19- ?k 20- d 21- ?k
22- d 23- ?k 24- d 25- [k 26- x 27- x 28- [k
29- x 30- [k 31- d 32- [k 33- ?k 34- d 35- x
36- [k 37- d 38- d 39- x 40- [k 41- [k 42- [k
43- d 44- d 45- x 46- [k 47- [k 48- d 49- d
50- [k

[ 223 ]
 21. lkekU; tkx:drk&cSfa dax
1- Hkkjrh; LVsV cSda dk LFkkiuk fnol dc euk;k tkrk gS\
(v) 01 tqykbZ (c) 14 flrEcj
(l) 31 ekpZ (n) 01 vizy S
2- orZeku cSd a nj fdruh gS\
(v) 3 % (c) 4 %
(l) 5 % (n) 6 %
3- bUVj cSda eksckby isesaV lfoZl (IMPS) dk 'kqHkkjEHk 22 uoEcj
2010 dks fd;k x;kA orZeku esa Hkkjrh; LVsV cSd a lfgr fdrus cSd a
bl lsok ds nk;js esa vkrs gS\a
(v) 6 (c) 7
(l) 9 (n) 10
4- Hkkjr esa fdl fons'kh cSda dh lcls vf/kd 'kk[kk,a gSa \
(v) ,p-,l-ch-lh- (c) ,-,u-tSM- fxz.MySt cSd a
(l) cSda vkWQ vesfjdk (n) LVS.MMZ pkVZM cSd
a
5- ,u-vkj-vkbZ- fnol (izoklh fnol) fdl fnu euk;k tkrk gS \
(v) 02 tuojh (c) 9 tuojh
(l) 24 fnLEcj (n) 1 tqykbZ
6- Hkkjr esa lcls vf/kd 'kk[kk,a fdl cSd a dh gSa \
(v) Hkkjrh; LVsV cSd a (c) dSujk cSd a
(l) iatkc us'kuy cSd a (n) vkbZ-lh-vkbZ-lh-vkbZ- cSda
7- Hkkjrh; LVsV cSd a dh 10]000oha 'kk[kk dgk° [kksyh xbZ \
(v) xzke iqMqok;y] ftyk f'koxaxk] rfeyukMq
(c) xzke iq#ok;y] dsjy
(l) xzke iqyok;y] vka/kzizns'k
(n) fenukiqj] ia- caxky
8- 'kk[kkvkas dh la[;k dh n`f"V ds Hkkjrh; LVsV cSd
a dk fo'o esa dkSu
&lk LFkku gS\
(v) izFke (c) f}rh;
(l) r`rh; (n) mijksDr esa ls dksbZ ug∞

[ 224 ]
9- Hkkjrh; LVsV cSd a ds fdrus lgk;d cSd a gSa \
(v) 4 (c) 5
(l) 6 (n) 7
10- ykMZ œ".kk cSd a dk foy; fdl cSd a esa gqvk gS \
(v) lSp a qfj;u cSd
a vkQ iatkc (c) Hkkjrh; LVsV cSd a
(l) iatkc us'kuy cSd a (n) dSujk cSd a
11- fn cSd
a vkWQ jktLFkku fy- dk foy; fdl cSd a esa gqvk \
(v) bafM;u vksojlht cSd a (c) bfUM;u cSd a
(l) vkbZ-lh-vkbZ-lh-vkbZ- cSd a (n) vkbZ-Mh-ch-vkbZ- cSd a
12- vkbZ-lh-vkbZ-lh-vkbZ- cSd a ds czkM
a ,EcslsMj dkSu gS \
(v) vferkHk cPpu (c) xksfoUnk
(l) lat; nŸk (n) 'kkg#[k [kku
13- a xzkeh.k fodkl laLFkku (SBIRD) dgk° fLFkr gS\
LVsV cSd
(v) gSnjkckn (c) xqM+xkao
(l) uks,M+k (n) mijksDr esa ls dksbZ ugha
14- fdl cSd a dk fons'kh usVodZ lcls cM+k gS\
(v) Hkkjrh; LVsV cSd a (c) cSda vkWQ cM+knS k
(l) vkbZ-lh-vkbZ-lh-vkbZ- cSd a (n) iatkc us'kuy cSd a
15- fdl cSd a us 01 vizy S ] 2010 dks viuh IysfVue tqcyh eukbZ\
(v) bykgkckn cSd a (c) Hkkjrh; fjtoZ cSd a
(l) cSd a vkWQ cM+knS k (n) iatkc us'kuy cSd a
16- ^^n cSd
a j** if=dk] yUnu }kjk fo'o ds 100 cSd a ksa esa gekjs cSd a dks
dkSu&lk LFkku fn;k x;k gS\
(v) 36 (c) 51
(l) 64 (n) 373

mŸkjekyk
1- v 2- n 3- c 4- c 5- c 6- v 7- v
8- c 9- c 10- v 11- l 12- n 13- v 14- v
15- c 16- l

[ 225 ]
fVIif.k;k°
fVIif.k;k°