Full Annual Report 2068 Jyoti Bank

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nflu a:g] ePsf] x'+bf sDkgL P]g, @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjxsf] hfgsf/Lsf] nflu of]
;"rgf k|sflzt ul/Psf] 5 .
;ef x'g] ldlt, :yfg / ;doM
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sf] gfkmf gf]S;fg lx;fj tyf gub k|jfx ljj/0f 5nkmn ul/ kfl/t ug]{ .
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ldlt @)^*)^!# df a;]sf] ;+rfns ;ldltsf] !)) cf}+ a}7sn] z]o/wgLxnfO{ *=%)% sf b/n] gub
nfef+z k|bfg ug{ l;kmfl/; u/]sf]n] ;f] k|:tfj pk/ 5nkmn ul/ kfl/t ug{] .
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cfly{s aif{ @)^*)^( sf] nflu n]vfk/LIfs lgo'Qm ug]{ / lghsf] kfl/>lds lgwf{/0f ug]{ . - >L la cf/ P;
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kg{] ;Dk'0f{ sfo{ ug{ ;+rfns ;ldltnfO{ k"0f{ clVtof/L lbg] ;DjGwdf .
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a}+ssf] k|jGw kq, lgodfjnL -;+nUg ljj/0f cg';f/_ df cfjZos kl/dfh{g ;+zf]wg ug]{ .
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jflif{s ;fwf/0f ;efdf efu lng OR5's z]o/wgL dxfg'efjxn] cfgf] kl/ro v'Ng] k|df0fkq jf ;f]sf]
k|ltlnlk clgjfo{ kdf ;fydf lnO{ cfpg' x'g cg'/f]w 5 .
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;fwf/0f ;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLxn] ljsf; a}+ssf] csf]{
z]o/wgLnfO{ k|ltlglwkq -k|f]S;L kmf/fd_ e/L k|ltlglw lgo'Qm u/L ;ef ;'? x'g' eGbf sDtLdf $* 306f cufj}
ljsf; a}+ssf] k|wfg sfof{no sdnfbL, sf7df08f}df btf{ u/fO{ ;Sg' kg]{5 . cfkm\gf] z]o/ ljefhg u/L jf gu/L
Ps eGbf j9L JolQmnfO{ k|ltlglw lgo'Qm u/]df jf cGo s'g} lsl;djf6 5'6\ofP/ lbPsf] k|f]S;L :jtM jb/ x'g]5 .
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Ps hgf z]o/wgLn] Ps eGbf a9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df k|ltlglw -k|f]S;L_ :jtM jb/ x'g]5 . t/
k|ltlglw -k|f]S;L_ lbg] z]o/wgLn] cfkm"n] cl3 lbPsf] k|ltlglw -k|f]S;L_ ab/ u/]sf] Joxf]/f :ki6 pNn]v ul/ 5'}
lgj]bg lbO{ csf]{ z]o/wgLnfO{ k|ltlglw -k|f]S;L_ lgo'Qm u/]df To;/L lgo'Qm k|ltlglw -k|f]S;L_ n] ;efdf efu
lng kfpg] 5 o:tf] cj:yfdf cl3Nnf] k|ltlglw -k|f]S;L_ :jtM jb/ ePsf] dflgg]5 .
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gfjfns jf ljlIfKt z]o/wgLsf] tkm{af6 ljsf; a}+ssf] z]o/ nut lstfjdf ;+/Ifssf] kdf gfd btf{ ePsf]
JolQmn] ;efdf efu lng jf dtbfg ug{ jf k|ltlglw tf]Sg ;Sg'x'g]5 .
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k'l:tsf k7fPsf 5f}+ .
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slDtdf & lbg cl3 a}+ssf] s]Gb|Lo sfof{no, sdnfbL, sf7df08f}+df sDkgL ;lrj dfkm{t cWoIfnfO{ lnlvt
kdf hfgsf/L lbg' kg{]5 .
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z]o/wgL dxfg'efjx ;ef:yn cfpFbf emf]nf, Jofu h:tf j:t'x glnO{ cfpg' x'g cg'/f]w ul/G5 . cfjZos
b]v]df ;'/IffsdL{n] ;'/Iff hf+r ug{ ;Sg] x'+bf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]t cg'/f]w ul/G5 .
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tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf d]/f]xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf]
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cfly{s jif{ @)^&)^*
cfb/0fLo z]o/wgL dxfg'efjx,
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dxfg'efjxnfO{ ;+rfns ;ldltsf] tkm{af6 xflb{s :jfut ub{5' . cfly{s jif{ @)^&^* sf] lqmofsnfk, jf;nft, gfkmf
gf]S;fg lx;fj, gub k|jfx lx;fj tyf cGo cfjZos ljj/0fx ;efsf] :jLs[ltsf nflu k|:t't ub{5' . o; ;Ddflgt
;efdf ;+rfns ;ldltsf] tkm{af6 a}+ls If]qsf] kl/;"rs k|:t't ub{} a}+ssf] ut cfly{s jif{sf] sfo{sf] ;ldIff tyf
sfo{qmdx k|:t't ub{5' .
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ljut aif{sf] sf/f]jf/sf] l;+xfjnf]sg M
o; ljsf; a}+sn] ljut jif{df u/]sf] ljQLo sf/f]jf/sf] emns lgDgfg';f/ /x]sf] 5 M
ljj/0f
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j[l4sdL
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k|ltzt
s'n ;DklQ
2,14,40,28,891 3,41,70,01,518 1,27,29,72,627
59=37
s'n lgIf]k
1,60,76,00,614 2,55,66,25,440 94,90,24,826
59=03
s'n shf{ tyf ;fk6
1,64,77,89,146 2,56,10,60,844
91,32,71,698
55=42
s'n nufgL
4,01,00,000
23,73,43,138
19,72,43,138 491=88
;+rfng gfkmf -s/ tyf Joj:yf cl3sf]_
4,95,30,479
12,44,55,364
7,49,24,885
151=27
s/ tyf Joj:yf kl5sf] v'b d'gfkmf
2,60,80,233
6,29,81,861
3,69,01,628 141=49
z]o/ ;+Vof -xhf/df_
4,480
7,400
2,920
65=18
k|ltz]o/ cfDbfgL ?=
7=68
9=33
1=65
21=42
cf=j= @)^^^& df a}+ssf] v'b Jofh cfDbfgL ?= *,*(,&!,^$) /x]sf]df o; cf=j= @)^&^* df !))=!!
k|ltztn] a[l4 eO{ ?= !&,*),#(,!!( k'u]sf] 5 . cf=j= @)^^^& df a}+ssf] cGo cfDbfgL ?= @,@*,$(,*@*
/x]sf]df o; cf=j= df %$=)! k|ltztn] a[l4 eO{ ?= #,%!,(!,&!$ k'u]sf] 5 . cf=j= @)^^^& df a}+ssf] s'n
;+rfng vr{ ?= ^,@!,@#,)^( /x]sf]df cf=j= @)^&^* df $@=() k|ltztn] a[l4 eO{ ?= *,*&,&%,$^( k'u]sf]
5 . o; jif{ ljsf; a}ssf] lgIf]k %(=)# k|ltztn], shf{ tyf ;fk6 %%=$@ k|ltztn] / v'b d'gfkmf !$!=$(
k|ltztn] a[l4 ePsf] 5 . ljsf; a}ssf] shf{lgIf]k / k|fylds k"FhLsf] cg'kft &&=$$ k|ltzt /x]sf] 5 eg]
lgis[o shf{ -NPA_ !=#$ k|ltzt /x]sf] 5 . d'n'ssf] k|lts'n cfly{s l:ylt / ljleGg Joj;fosf] cl:y/tfsf
jfjh'b v'b d'gfkmf !$!=$( k|ltztn] a[l4 eO{ ?= ^,@(,*!,*^! k'u]sf] 5 . kmn:jk z]o/wgLxnfO{ *=%)
k|ltzt gub nfef+z k|bfg ug{ xfdL ;kmn ePsf 5f}+ .
cf=j= @)^&^* df cfh{g u/]sf] gfkmfdf o; ljsf; a}+sn] g]kfn ;/sf/nfO{ skf{]/]6 s/sf] kdf
?= @,&*,$%,!@% lt/]sf] 5 . xfd|f] a}+ssf] lgIf]ksf] cf};t nfut b/ -Cost of Fund_ ut jif{ ^=$) k|ltzt
/x]sf]df o; jif{df !)=^! k|ltzt /x]sf] 5 . Jofh cfh{g ug{] s'n ;DklQsf] efl/t cf};t Jofh b/ -Average
Interest_ ut jif{ !@=&@ k|ltzt /x]sf]df o; jif{ !%=$@ k|ltzt /x]sf]5 .
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d'n'ssf] cfly{s cj:yfsf] ;+lIfKt ljj/0f

cfly{s jif{ @)^&^* df s'n ufx{:Yo pTkfbg j[l4b/ #=% k|ltzt dfq /x]sf] 5 . ;f] cjlwdf s[lif If]q tkm{
$=! k|ltzt j[l4 ePsf] 5 eg] pwf]u tyf ;]jf If]q tkm{ qmdzM !=$ k|ltzt / #=^ k|ltzt j[l4 ePsf]]
b]lvG5 . pQm cjlwdf l5d]sL d'n's rLgsf] cfly{s a[l4b/ (=^ k|ltzt tyf ef/tsf] *=@ k|ltzt /x]sf]] 5 .
j}b]lzs Jofkf/sf] xsdf o; jif{ ?= #(&=%$ ca{sf] cfoft eof] eg] ?= ^$=%^ ca{sf] lgof{t eO{ s"n
?=##@=(& ca{sf] Jofkf/ 3f6f ePsf] b]lvG5 . ut jif{sf] t'ngfdf cfoftdf %=* k|ltztn] a[l4 ePsf] 5 eg]
lgof{t tkm{ %=( k|ltztn] a[l4 ePsf] b]lvG5 . cfofltt j:t'df k]6f]lnod kbfy{, kmnfd tyf kmnfdhGo a:t',
d]lzg/L / kf6{k'hf{x tyf oftfoftsf ;fwg k|d'v kdf /x]sf 5g . lgof{t tkm{ kmnfdhGo pTkfbg, pmgL
un}+rf, tof/L kf]zfs, kf]lni6/ tyf cGo wfuf] k|d'v a:t'sf] kdf /x]sf 5g . cl3Nnf] jif{ ? # ca{ ^# s/f]8
zf]wgfGt/ 3f6f ePsf]df o; ;dLIff cjlwdf ? @ ca{ # s/f]8n] artsf] l:ylt /x]sf] b]lvG5 . ljb]zL ljlgdo
;+lrlt eg] gu0o kl/df0fdf j[l4 eO{ ?= @&@ ca{sf] xf/fxf/Ldf /x]sf] 5 . o; /sdaf6 sl/j * dlxgfsf]
j:t'x / sl/j & dlxgfsf] a:t' tyf ;]jf cfoft wfGg ;lsg] b]lvG5 .
o;} ul/ cf=a= @)^&^* df ljk|]if0f cfk|jfxdf (=$ k|ltztn] j[l4 eO{ ? @ va{ %# ca{ k'u]sf] b]lvG5 .
o; cjlwdf aflif{s d"No j[l4b/ & k|ltzt /xg] cg'dfg ul/P klg (=^ k|ltztn] d"No j[l4 ePsf] b]lvG5 .
;dLIff jif{df sf7df08f} pkTosfdf !@=! k|ltzt, kxf8df !)=^ k|ltzt / t/fO{df &=@ k|ltztn] d"No a[l4
ePsf] b]lvG5 .
;f] cjlwdf a}+s tyf ljQLo ;+:yfxsf] lgIf]k (=&& k|ltztn] a[l4 eO{ ?= *&!=() ca{ k'u]sf] 5 eg] shf{
nufgL s'n !$=*^ k|ltztn] a[l4 eO{ ?= &!#=)( ca{ k'u]sf] b]lvG5 .
;du| kdf x]bf{ ljut @# jif{x h:t} of] jif{ klg cfly{s ljsf; dGb ultdf /x]sf] 5 . kl/0ffd :j?k a}+s tyf
ljQLo ;+:yfxsf] sf/f]jf/ ;d]t k|efljt ePsf] b]lvG5 .
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ljsf; a}+ssf] lqmofsnfk

zfvf tyf ;]jf lj:tf/ M
o; ljsf; a}+sn] cfgf] a}+ls tyf ljQLo Joj;fodf u/]sf] k|ltj4tf adf]lhd sfo{ ;Dkfbg ub{} cfPsf] 5 .
@)^* cfiff9 d;fGt;Dddf s]Gb|Lo sfof{no ;lxt !% j6f zfvf sfof{no / Pp6f PS:6]G;g sfp06/af6
ljsf; a}+sn] a}+ls sf/f]jf/ ;+rfng u/]sf]df @)^* >fj0f @ ut]af6 df]/sf] lj/f6gu/df ;f]x|f} zfvf
;+rfngdf cfO{ ;s]sf] 5 . lgs6 eljiodf g} sf7df08f}+sf] ;'Gwf/fdf gofF zfvf ;~rfng ug{ cfjZos sfo{
eO{/x]sf] 5 . ljsf; a}+sn] cfgf u|fxsxsf nflu OG6/g]6 a}+ls ;'ljwf, P;=Pd=P;= a}+ls ;'ljwf, ;]km
l8kf]lh6 ns/ ;'ljwf, P=la=la=;]jf, h:tf cfw'lgs a}+ls ;]jfx k|bfg ub}{ cfPsf] 5 . To;}u/L g]kfn laB't
k|flws/0f, s]Gb|Lo sfof{no, /Tgkfs{ k|f0fdf, nlntk'/sf] nugv]ndf / lrtjgsf] e/tk'/df P=l6=Pd=
Sofljg]6sf] :yfkgf u/]sf] 5 eg] cfg} P=l6=Pd= 8]lj6 sf8{ klg hf/L u/]sf] 5 . j]i6g{ o'lgog dgL 6fG;km/,
k[YjL PS;k|];, k|e' dgL 6fG;km/, lxdfn /]ld6, l/nfojn /]ld6 tyf cfO{= Pd= O{= dfkm{t /]ld6]G; ;]jf k|bfg ub}{
cfPsf] 5 . ;do ;fk]If kdf ljleGg k|efjsf/L art of]hgfx h:t} bDktL art vftf, afn sNof0f art
vftf, h]i7 gful/s ;Ddfg vftf, gf/L ;Ddfg art vftf, ;jf/L rfns ;'/Iff vftf h:tf lgIf]k vftfx
;+rfngdf NofO{ u|fxsxnfO{ plrt k|ltkmn k|bfg ub{} cfPsf] 5 .
k|fljlws ;d"x -Technical Team_M

o; ljsf; a+}s nufot cGo a}+s tyf ljQLo ;+:yfxn] ljleGg hnlaB't Pj+ phf{ pTkfbg kl/of]hgfxdf
nufgL ubf{ Due Diligence tyf ;DefJotf cWoog ug{ ljz]if1 k|fljlwsxsf] cWoog k|ltj]bg Pj+ /fo,
;'emfj, ;Nnfx cfjZos kg{] x'Fbf laB't k|flws/0f tyf hnlaB't If]qdf cg'ejL jl/i7 O{lGhlgo/ k|fljlwsx
;lDdlnt * ;b:oLo Technical Team sf] k|fjwfg ul/Psf]] 5 . xfn;Dd ;f] k|fljlws ;d"x (Technical Team)
n] tNnf] Goflb -nDh'_, lh/L vf]nf ;fgf hnljB't cfof]hgf -bf]nvf_ / vfgL vf]nf hnljB't cfof]hgf
-bf]nvf_ sf] Technical Due Diligence ul/ ;s]]sf] 5 . Technical Due Diligence sf] cfwf/df xfd|f] a}+sn] lh/L
vf]nf ;fgf hnljB't cfof]hgfdf Lead Bank sf] x}l;otn] nufgL ul/ /x]sf] 5 eg] vfgL vf]nf hnljB't
cfof]hgfdf nufgLsf] nflu ;zt{ ;}4flGts ;xdlt k|bfg u/]sf] 5 .
;+:yfut ;'zf;gM
ljsf; a}+sdf ;+:yfut ;'zf;g (Corporate Governance) sf] :t/nfO{ pRr:t/df sfod /fVg] s'/fdf xfdL
k|lta4 5f}+ . ;+rfns ;ldltsf sfd sf/jfxLx tyf ljsf; a}+ssf ;a} lqmofsnfkxnfO{ kf/bzL{ kdf
;+rfng u/L ;+:yfut ;'zf;gsf] ljsf; ug{ ;bf lqmofzLn /x]sf 5f}+ . g]kfn /fi6 a}+s Pj+ cGo ;Dj4
lgsfoxaf6 ;do ;dodf hf/L ePsf gLlt lgb{]zgxnfO{ ljsf; a}+sn] k"0f{ kdf nfu" ub{} cfPsf] 5 /
cfufdL lbgxdf klg s8fO{sf ;fy nfu" ul/g]5 .
tflndM
cf= j= @)^&^* df Role of Directors for Good Governance in Financial Institutions ljifos Pslbg]
sfo{zfnfdf b'Ohgf ;+rfns / Anti-Money Laundering & Managing the Possible Risk ljifos Pslbg]
tflnd sfo{qmddf Pshgf ;+rfns ;xefuL x'g'ePsf] lyof] eg] ljsf; a}+ssf ;a} zfvfsf zfvf k|d'v, shf{
ljefu tyf zfvfdf sfo{/t sd{rf/Lxsf] ;xeflutfdf Credit Proposal and Financial Analysis, General
Overview of Capital Management: BASEL I and BASEL II, Introduction of Nepalese Capital Adequacy
Framework, Compliance and Financial Stability,
tyf
Present Scenario of Financial Market & Its Problem
;DjGwdf ;DjlGwt ljz]if1xaf6 In-house Training tyf k|lzIf0f sfo{qmd ;+rfng ul/Psf] lyof] . pQm
In-house Training tyf k|lzIf0f sfo{qmddf %( hgf sd{rf/Lxsf] ;xeflutf /x]sf] lyof] . a}+ssf] ;]jf tyf
sfo{ ;Dkfbg r':t b'?:t /fVg a]nfa]nfdf cGo jfXo ;+:yfxaf6 ;+rfng ul/Psf] Operation & Treasury
Management, Liquidity Risk Management & Related NRB Directives, The Quest for Customer Care and
Excellence, Security Features & Counterfeit Identification of the Bank Notes, Credit Management, IT
(Card Service), HR Management,
tyf
Electronic Cheque Clearing
;DjlGw tflnddf ;DjlGwt @) hgf
sd{rf/LxnfO{ k7fO{Psf] 5 .
;fdflhs sfo{M
ljsf; a}+sn] cfgf] jflif{sf]T;jsf] cj;/df Corporate Social Responsibility cGtu{t c;xfo
afnjflnsfxsf] pTyfgsf nflu sfo{/t ;+:yf afndlGb/, gS;fn sf7df08f}nfO{ ?=@%,))) gub cfly{s
;xof]u k|bfg ug{'sf ;fy} a}+ssf] k|f+u0fdf /Qmbfg sfo{qmd ;DkGg u/]sf] 5 . ;f] /Qmbfg sfo{qmddf o; jif{
$^ hgfn] /Qmbfg ug{'ePsf] lyof] .
3_
/fli6o tyf cGt{/fli6o kl/l:yltaf6 sDkgLsf] sf/f]jf/df s'g} c;/ k/]sf] eP ;f] c;/ M
o; jif{ a}+ls If]qn] ulDe/ / nuftf/sf] t/ntf ;d:of ef]Ug' kof] . h;n] ubf{ ljQLo If]qdf slxNo} cg'ej
gePsf] cj:yf b]vf kof] . t/ntf nufot cGo sf/0fn] sltko ljsf; a}+s tyf ljQLo ;+:yfx ;d:ofsf]]
l;sf/ x'g k'u] . g]kfn ;/sf/, g]kfn /fi6 a}+s, g]kfn a}s;{ P;f]l;o;g, 8]enkd]G6 a}+s;{ P;f]l;o;g nufot
cGo ;/f]sf/jfnfn] ;dodf g} x:tIf]k u/L ;'wf/sf ljleGg sfo{qmd gNofPsf] eP of] ;+s6 cem ulDe/ eP/
hfg] lyof] . nueu Psbh{g a}+s tyf ljQLo ;+:yfx k"gshf{sf] dfu ub{} g]kfn /fi6 a}+s k'u] . o; a}+sn]
o:tf] kl/l:yltdf klg t/ntf nufotsf] ;d:of ;fdgf ug{' k/]g . t/ntf cefj;+u h'wL /x]sf a}+s tyf
ljQLo ;+:yfxn] gofF lgIf]k cfslif{t ug{sf nflu Jofhb/df k|lt:kwf{ ug{ yfn]sf] oyfy{tf s;}af6 l5k]sf]
5}g . lsgeg] b]zsf] ljBdfg cfly{s tyf /fhg}lts cGof}nsf sf/0f ;du| pBf]uwGbf, snsf/vfgf, s[lif tyf
;]jf Jofj;fo ;f]r]h:tf] lgoldt tyf ultzLnkdf ;+rfng tyf :yfkgf x'g ;s]sf 5}gg\ . rsf]{ Jofhb/
tyf cfly{s dGbLsf sf/0f nufgLsf cj;/x x|f;f]Gd'v x'Fb} uPsf] sf/0f C0fLxsf] cfDbfgLdf a[l4 x'g
g;s]sf]n] C0fLxn] a9]sf] Jofh ;xh kdf ltg{ ;Sg] cj:yf gx'g'sf] kmn:jk lgis[o shf{ s]lx a9\g
uof] .
gofF a}+s tyf ljQLo ;+:yfx aLrsf] a9\bf] k|lt:kwf{df cfgf] jr{:j sfod /fVg' lasf; a}+snfO{ yk r'gf}tL
ePsf] 5 . ut jif{ @& j6f jfl0fHo a}+s, &* j6f ljsf; a}+s, &( j6f ljQ sDkgL / !* j6f n3'ljQ
sDkgLx ;+rfngdf /x]sfdf o; jif{ jfl0fHo a}+ssf] ;+Vof #!, ljsf; a}+ssf] ;+Vof *&, ljQ sDkgLsf] ;+Vof
&(, / n3'ljQ sDkgLsf] ;+Vof @! x'g k'u]sf] 5 . cfly{s ljsf;sf] ult ;':t / cfsf/ eGbf b'|t ultdf ljQLo
;+:yfxsf] ;+Vof a9\b} uPsf]n] vf; ul/ dWod cfsf/sf / gFof a}+sxnfO{ cf};t v'b Jofhb/ cGt/df a9L
rfk kg{ uPsf] 5 eg] l/on :6]6 / z]o/ jhf/df cfPsf] dGbLn] ubf{ C0fLsf] shf{ ltg{ ;Sg] Ifdtfdf x|f;
cfO{ hf]lvd a9\g] vt/f b]lvPsf] 5 . o;n] a}+ssf] d'gfkmfdf k|ToIf c;/ kg{] b]lvG5 .
g]kfndf ljB'tsf] a9\bf] dfu / 36\bf] cfk'lt{sf sf/0f pBf]u wGbf sn sf/vfgfsf] pTkfbgdf k|lts'n k|efj
k/]sf] 5 . pBf]uwGbf snsf/vfgfdf kg{] c;/n] lgof{t cem} 36\g] / cfoft a9\g] lglZrt k|foM 5 . /fhgLlts
;+qmd0fsf] sf/0f ck]lIft cfly{s j[l4b/sf] cfwf/ tof/ x'g ;s]sf] 5}g . ljz]iful/ ef/t;+usf] a9\bf] Jofkf/
3f6f tyf ;'g, k]6f]lnod kbfy{ tyf o"=P;= 8n/sf] d"No j[l4sf] sf/0fn] cfoftdf cfwfl/t jt{dfg cy{tGqn]
;du| hghLjgdf c;/ kg{ ;Sg] b]lvG5 . ;du| cy{ Joj:yfsf] ljZn]if0f ubf{ cy{tGqsf ljleGg If]qxdf
cfPsf] ljZjJofkLs/0fsf] k|efj, nufgL ;+s'rg eO{ a}+sn] ck]lIft d'gfkmf cfh{g ug{ b]lvPsf r'gf}tL, a}+ls
If]qdf b]lvPsf] a}+s tyf ljQLo ;+:yfxsf] pRr ;+Vof / pRr k|lt:kwf{ cflbnfO{ dWo] gh/ ubf{ g]kfn /fi6
a}+ssf] gLlt adf]lhd dh{/ tkm{ cl3 a9\g' cfhsf] cfjZostf b]lvG5 .
k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug{' kg{] s'/fsf] ;DaGwdf ;+rfns
;ldltsf] wf/0ff M
rfn" cf=j=@)^*)^( sf] cflZjg d;fGt;Ddsf] d'Vo ljQLo ljj/0f lgDgfg';f/ /x]sf] 5 M
ljj/0f
cf=j= @)^&^*
@)^* cflZjg d;fGt;Dd
lgIf]k
@,%%,^^,@%,$$)
@,&@,$@,)%,*((
shf{ tyf ;fk6
@,%^,!),^),*$$
@,%^,!$,&!,&(^
!&,*),#(,!!(
$,&$,@),#(&
#,%!,(!,&!$
$(,$),$@*
!@,$$,%%,#^$
@,&),#*,&&(
(=##
(=#%
v"b Jofh cfDbfgL

cGo cfDbfgL
;+rfng gfkmf -s/ tyf Joj:yf cl3sf]_
k|lt z]o/ cfDbfgL -jflif{sLs/0f_
ljsf; a}+sn] ljut jif{x b]lv nfu" u/]sf cfgf of]hgfnfO{ lg/Gt/tf lb+b} cfpFbf jif{xdf ;d]t cfgf] ;fv
j[l4 ug{ u|fxs ju{df yk ;]jf / ;'ljwf k|bfg ub{} cuf8L a9\g] of]hgf lnO{ cfPsf] 5 .
efjL of]hgf tyf sfo{qmdx M
!=
ahf/sf] dfu cg'k gofF lgIf]k tyf shf{ of]hgfx nfu" u/L cf};t Jofhb/df sdL Nofpg] tyf
u|fxs ;+Vof j[l4 ul/g] 5 .
@=
shf{sf] u'0f:t/df ;'wf/ ub{} shf{;+u ;lGglxt hf]lvdnfO{ sd ug{ shf{ lj:tf/ ubf{ g]kfn /fi6 a}+sn]
lglb{i6 u/] d'tfljs s[lif, 3/]n', ;fgf tyf demf}nf pTkfbgd"ns pBf]u Pj+ pkef]Qmf shf{ of]hgf tkm{
nufgL a[l4 ul/g] 5 .
#=
:jR5 phf{ ljsf;sf] lglDt u|fdL0f e]udf jfof] UoFf;, ;f]nf/ OghL{ tyf ;fgf tyf demf}+nf hnljB't
cfof]hgfdf nufgL lj:tf/ ug{ kxn ul/g] 5 .
$=
jt{dfg k|lt:kwf{Tds jftfj/0fdf ;lqmo Pj+ ;hu /lx k"FhLsf] k|ltkmn j[l4 ug{ dh{/sf ;DefjgfnfO{
cWoog ul/g]5 . ;f] sf] nflu # ;b:oLo dh{/ ;ldlt u7g ul/Psf] 5 .
%=
a}+ssf] cfGtl/s lgoGq0f k|0ffnL tyf ;+:yfut ;'zf;gnfO{ cem a9L ;'b[9 ul/g]5 . ;f] sf] nflu
cfufdL jif{ cfGtl/s n]vf k/LIf0f ljefu u7g ug{] tof/L eO{/x]sf] 5 .
^=
a}+ssf] ;"rgf k|ljlwnfO{ ;dofg's'n ;'wf/ Pj+ lj:tf/ ul/ cfw'lgs ;]jf k|bfg ul/g] 5 .
&=
a}+ssf] skf]{/]6 ejg vl/b tkm{ cfjZos kxn ul/g] 5 .
*=
a}+sdf sfo{/t hgzlQmnfO{ cem a9L bIf agfpg pko'Qm tflndx k|bfg ul/g] 5 .
(=
Joj;foLs kdf ;DefJo b]lvPsf :yfgxdf zfvf tyf PS:6]G;g sfp06/ qmdzM lj:tf/ ul/g] 5 .
r_
sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGw M

ljsf; a}+s cg'ejL tyf Jofj;flos bIf a}+s;{, bIf k|fljlws, k|zf;lgs tyf hn>f]t lj1xaf6 k|jl4{t
ePsf]n] pxFfxsf] ;Nnfx ;'emfj / cfg} sfof{g'ej ;d]tsf cfwf/df :jR5 k|lt:kwf{, Jofj;flostf tyf
cfk;L lxtsf] l;fGtdf cfwfl/t gLlt cjnDag ub{} l56f] 5l/tf] tl/sfn] u|fxsd'vL ;]jfx ;+rfng ub}
cfPsf 5f}+ . sf/f]jf/nfO{ r':t, k|lt:kwL{ / d'gfkmfd'ns agfpg cGo cf}Bf]lus tyf Joj;flos k|lti7fgx;+u
;'dw'/ ;DjGw /fVg ljsf; a}+s ;w} k|oTglzn /lx cfPsf] 5 . cGo a}+s tyf ljQLo ;+:yfx;+u ;x
ljQLos/0fdf ljleGg kl/of]hgfxdf nufgL ug{]tkm{ ;fjwfgLsf ;fy ljZn]if0f ul/ lg0f{o ug{] gLlt ckgfpFb}
cfPsf 5f}+ . o; ljsf; a}+ssf] lgodgsf/L ;+:yfx g]kfn /fi6 a}+s, sDkgL /lhi6f/sf] sfof{no, lwtf]kq jf]8{,
g]kfn lwtf]kq ljlgdo ahf/ nufot g]kfn ;/sf/sf lgsfox;Fu ;'dw'/ ;DaGw /lx cfPsf] 5 . a}+sn] ;fgf
7"nf cf}Bf]lus tyf Aofkfl/s k|lti7fg, ;fdflhs ;+3 ;+:yfx;+u ;'dw'/ ;DaGw /fVb} cfgf] ;]jfx k|bfg ub{}
cfPsf] 5 . cfufdL lbgdf ;f] ;DaGwnfO{ cem} k|uf9 ub{} ;]jf la:tf/ ug{] ck]Iff u/]sf 5f}+ .
sd{rf/Lsf] of]Uotf, bIftf, O{dfGbfl/tf / nuglzntfdf ljsf; a}+s ;+rfng x'g] x'Fbf ;f]xL adf]lhd
sd{rf/LxnfO{ bIf agfpg ljleGg tflnd, k|lzIf0f, uf]li7, ;]ldgf/ tyf cWoogdf k7fpg] sfo{nfO{ lg/Gt/tf
lbg k|ltj4 /x]sf 5f}+ . sfo{ ;Dkfbg tyf Joj;fo ;+rfngsf nflu ;+rfns ;ldltn] kfl/t u/]sf ljleGg
gLlt, lgb{]zg tyf sfo{ljlw leq /lx ljsf; a}+sn] ;]jf k|bfg ub{} cfPsf] 5 .
5_
;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0f M

;dLIff cjlwdf ;+rfns ;ldltdf s]lx x]/km]/ ePsf] 5 . a}+ssf] t];|f] jflif{s ;fwf/0f ;efaf6 ;j{;fwf/0f
z]o/wgLxsf] tkm{af6 tLg hgf ;+rfnsx >L s]zj /fh cfrfo{, >L w'|j sf]O/fnf / >L /fdrGb| l;Ub]n
lgjf{lrt x'g' ePsf] 5 . a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# tyf ljsf; a}+ssf] k|jGwkq lgodfjnLdf
ePsf] k|fjwfg cg';f/ ;+rfns ;ldltn] Ps hgf Jofj;foLs ljz]if1 ;+rfnsdf >L rGb| z]v/ clwsf/LnfO{
lgo'Qm u/]sf] 5 . xfn ljsf; a}+sdf b]xfo adf]lhd ( ;b:oLo ;+rfns ;ldlt sfo{/t /x]sf] 5 M
!= >L k|rf/ dfg l;+x k|wfg
@= >L w|'j /fh e/fO{
#= >L ljgf]b s'df/ 9sfn
$= >L /fd s'df/ >]i7
%= >L xl/ k|;fb cfrfo{
^= >L s]zj /fh cfrfo{
&= >L w'|j sf]O/fnf
*= >L /fdrGb| l;Ub]n
(= >L rGb| z]v/ clwsf/L
cWoIf
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
h_
sf/f]jf/nfO{ c;/ kfg{] d'Vo s'/fx M

ljsf; j}+ssf] sf/f]af/nfO{ c;/ kfg{] d'Vo s'/fx lgDgfg';f/ /x]sf 5g\ M
b]zsf] cfly{s tyf /fhg}lts kl/jt{gaf6 cy{tGqdf kg{] ;+efljt c;/x .
ljZj ahf/df b]lvPsf] cfly{s dGbLaf6 kg{ ;Sg] c;/x .
a}+s tyf ljQLo ;+:yfxaLr pTkGg k|lt:kwf{af6 x'g ;Sg] ;Defljt hf]lvdx .
g]kfn ;/sf/ / s]Gb|Lo a}+saf6 ljsf; a}+s ;DaGwL gLltdf kl/jt{g ubf{ x'g ;Sg] hf]lvdx .
k'FhLahf/df cfpg] pQf/r9fjaf6 x'g ;Sg] hf]lvdx .
lgIf]k tyf shf{sf] Jofhb/df x'g ;Sg] kl/jt{gaf6 cfpg ;Sg] hf]lvdx .
oyf;dodf shf{ c;'nL geO{ pTkGg x'g] hf]lvdx .
ljb]zL ljlgdo sf/f]jf/ ubf{ ljlgdob/df x'g] kl/jt{gaf6 cfpg ;Sg] hf]lvdx .
/fd|f] nufgLsf] cj;/df sdL .
em_
n]vf k/LIf0f k|ltj]bgdf ;+rfns ;ldltsf] k|ltlqmof M

cf=j= @)^&)^* sf] k|:t't n]vfk/LIf0f k|ltj]bgdf To:tf] s'g} gsf/fTds tyf pNn]vgLo s}lkmot /x]sf]
5}g . k|fKt k|ltlqmof / ;'emfjxdf ;'wf/sf lglDt cfjZos sbd rflnPsf] 5 .
`_
nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M

ldlt @)^* cflZjg ( ut] a;]sf] ;+rfns ;ldltsf] (( cf}+ a}7sn] z]o/wgLxnfO{ g]kfn /fi6 a}+ssf] l:js[tL
lnO{ cf= j= @)^&)^* ;Dd ljsf; a}+sn] cfh{g u/]sf] Accumulated Profit af6 *=%) k|ltzt gub nfef+z
ljt/0f ug{ jflif{s ;fwf/0f ;efdf l;kmfl/z ug{] lg0f{o u/]sf]n] ;f] sf] nflu ?= ^,@(,)),))).)) 5'6\ofOPsf]
5.
6_
z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d'No, To:tf] z]o/ hkmt x'g eGbf
cufj} ;f] jfkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ lalqm u/L sDkgLn]
k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/ afkt lkmtf{ u/]sf] eP ;f] sf] ljj/0f M
o; cjlwdf ljsf; a}+sn] s'g} z]o/ hkmt u/]sf] 5}g .
7_
ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf]
l:yltsf] k'g/fjnf]sg M
o; a}+ssf] s'g} ;xfos sDkgL gePsf]n] o; k|sf/sf] sf/f]af/ /x]sf] 5}g .
8_
sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x / ;f] cjlwdf sDkgLsf]
sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g M
o; ljsf; a}+ssf] s'g} ;xfos sDkgL 5}g . sDkgLsf] ljut cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg
lgDgfg';f/ /x]sf] 5 .
&
ljj/0f
s'n ;DklQ
@)^& cfiff9
d;fGtsf]
@)^* cfiff9
d;fGtsf]
a[l4sdL
2,14,40,28,891
3,41,70,01,518
1,27,29,72,627
s'n ;+rfng cfDbfgL
11,18,21,468
21,32,30,833
10,14,09,365
;+rfng gfkmf -s/ tyf Joj:yf cl3_
4,95,30,479
12,44,55,364
7,49,24,885
9_
ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLxn] sDkgLnfO{ pknAw u/fPsf] hfgsf/L M
cfwf/e"t z]o/wgLxn] ljsf; a}+ssf] Joj:yfkgnfO{ xf};nf k|bfg ug{' ePsf] 5 .
0f_
ljut cfly{s jif{df sDkgLsf ;+rfns tyf kbflwsf/Lxn] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf]
z]o/ sf/f]af/df lghx ;+nUg /x]sf] eP ;f] ;DaGwdf lghxaf6 sDkgLn] k|fKt u/]sf] hfgsf/L M
o; ljsf; a}+ssf ;+rfns tyf kbflwsf/Lxn] ljut jif{df lnPsf] z]o/sf] :jfldTj lgDg adf]lhd sfod
/x]sf] 5 . ;f] b]lv jfx]s ljsf; a}+ssf] z]]o/ sf/f]jf/df ;+nUg /x]sf] hfgsf/L k|fKt ePg .
qm= ;+=
!=
@=
#=
$=
%=
^=
&=
*=
(=
>L
>L
>L
>L
>L
>L
>L
>L
>L
gfd
k|rf/dfg l;+x k|wfg
w|'j/fh e/fO{
ljgf]b s'df/ 9sfn
/fd s'df/ >]i7
xl/ k|;fb cfrfo{
s]zj /fh cfrfo{
w'|j sf]O/fnf
/fd rGb| l;Ub]n
rGb| z]v/ clwsf/L
kb
z]o/ ;+Vof
cWoIf
@),)))
;+rfns
!),)))
;+rfns
@),)))
;+rfns
@#,&))
;+rfns
@%,*))
;+rfns
@,)^)
;+rfns
@,^()
;+rfns
@,$$)
;+rfns Joj;foLs ljz]if1
gePsf] .
k|aGws tyf ;f] eGbf dflysf kbflwsf/Lx

!=
>L emns k|;fb vgfn k|d'v sfo{sf/L clws[t
@=
>L x]d /fh /fgfef6
gfoj dxfk|jGws
#=
>L ;'hg ;'j]bL
;xfos dxfk|jGws
$=
>L dbg s'df/ dxt
sDkgL ;lrjk|jGws
%=
>L ljsf; /fgfef6
gfoj k|jGws
^=
>L c/ljGb k|;fb >]i7
;xfos k|jGws
&=
>L /fs]z k|hfktL
n]vf ljefu k|d'v
!#,*$)
^,*))
^,)^)
#,$))
@,^&)
@,%()
@,#))
t_
ljut cfly{s jif{df sDkgL;+u ;DalGwt ;Demf}tfxdf s'g} ;+rfns tyf lghsf] glhssf] gft]bf/sf]
JolQmut :jfy{sf] af/]df pknAw u/fO{Psf] hfgsf/Lsf] Joxf]/f M
gePsf] .
y_
sDkgLn] cfgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfgf] z]o/ vl/b ug'{sf] sf/0f To:tf] z]o/sf] ;+Vof /
c+lstd'No tyf To;/L z]o/ vl/b u/]jfkt sDkgLn] e'QmfgL u/]sf] /sd M
ljsf; j+}sn] cfgf] z]o/ cfkm} vl/b u/]sf] 5}g .
b_
cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f M

a}+sdf cfjZostfg';f/ k|efjsf/L Pj+ ;Ifd cfGtl/s lgoGq0f k|0ffnL /x]sf] 5 .
cfGtl/s n]vf k/LIf0fsf nflu Ps jl/i7 Joj;flos rf6{8 PsfpG6]G6 ;+:yfnfO{ Outsourcing ul/ lhDdf
lbO{Psf] 5 .
cfGtl/s lgoGq0f k|0ffnL ;lxt cGo s'/fxsf] pRr :t/af6 /]vb]v ug{ u}x| sfo{sf/L ;+rfnssf]
;+of]hsTjdf n]vf k/LIf0f ;ldlt ;d]t /x]sf] 5 .
j+}sn] cfGtl/s lgoGq0fsf] nflu sd{rf/L k|zf;g ljlgodfjnL, cfly{s k|zf;g ljlgodfjnL, shf{ gLlt
tyf lgb{]lzsf, shf{ ckn]vg ljlgodfjnL nufot gLlt lgb{]lzsf Pj+ k|rlnt P]g sfg'gsf] clwgdf /xL
sfo{ ub{} cfO{/x]sf] 5 .
;a} a}+s zfvfxnfO{ s]Gb|;+u cfj4 ul/ s]Gb|af6 g} ;6j]o/ dfkm{t sf/f]jf/sf] hfgsf/L k|fKt ug{ ;lsg]
Joj:yf ul/Psf] 5 .
w_
ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f M

sd{rf/L vr{
?= #,)*,#&,#!#
;+rfng vr{
?= %,&(,#*,!%^
s'n Joj:yfkg vr{
?= *,*&,&%,$^( -cg';"rL g+= $=@# / $=@$_
g_
n]vf k/LIf0f ;ldltsf ;b:oxsf] gfdfjnL, lghxn] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn]
u/]sf] sfd sf/jfxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f] sf] ljj/0f M
ljsf; j+}ssf] n]vf k/LIf0f ;ldltsf] ;+of]hs tyf ;b:odf lgDg cg';f/ /xg' ePsf] 5 .
!_
>L xl/ k|;fb cfrfo{
;+rfns ;+of]hs
@_
>L s]zj /fh cfrfo{
;+rfns ;b:o
#_
>L 6+s k|;fb kg]?
;b:o -cfGtl/s n]vf k/LIfs sDkgLsf] tkm{af6_
$_
>L /fs]z k|hfktL
;b:o ;lrj
;f] ;ldltsf] j+}7sdf cf=j= )^&)^* df k|lt j}7s eQf ?= !,%)). k|bfg ul/Psf] lyof] eg] ldlt
@)^*$$ kl5 k|lt j}7s eQf ;+rfns ;+of]hs tyf ;b:onfO{ ? #,))). tyf u}x| ;+rfns ;b:onfO{
?= !,%)).- lbOg] ul/Psf] 5, cGo s'g} kfl/>lds tyf ;'ljwf lbOg] u/]sf] 5}g . ;b:o ;lrjnfO{ j}7s eQf
lbg] ul/Psf] 5}g . cf=j= )^&^* df & k6s ;ldltsf] a}7s a:of] / a}7s eQf jfkt hDdf ?= !(,%)) .-
e'QmfgL ul/Psf] 5 . ;f] ;ldltn] n]vfk/LIfsn] lbPsf] k|ltj]bg pk/ bkmfjf/ cWoog u/L ;+rfns ;ldltnfO{
;'emfj tyf k|ltj]bg k]z ug'{sf ;fy} Joj:yfkgnfO{ lgb{]zg lbg'sf cltl/Qm j+}ssf] cfly{s cj:yf, jh]6sf]
lj:t[t cWoog tyf sfo{fGjog cflb ljifodf Joj:yfkgnfO{ ;hu u/]sf] 5 .
k_
;+rfns, k|jGw ;+rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh
;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;:+yfn] sDkgLnfO{ s'g} /sd j'emfpg afFsL eP ;f] s'/f M
o; a}+ssf ;~rfnsx, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgLx tyf lghxsf glhssf gft]bf/ jf
lghx ;+nUg /x]sf] kmd{, sDkgL jf ;+u7Lt ;+:yfn] s'g} /sd a'emfpg afsL /x]sf] 5}g .
km_
;+rfns, k|jGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/LxnfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf
;'ljwfsf] /sd M
qm=;=
!
ljj/0f
/sd
a}7s ;+Vof
;+rfns ;ldltsf] a}7s eQf
?= #,%$,!))
##
ljsf; a}+ssf] ;+rfns ;ldltsf ;+rfnsxnfO{ cf=j= )^&)^* df k|lt j}7s eQf ?= !,%)). k|bfg
ul/Psf] lyof] eg] ldlt @)^*$$ ut] kl5 k|lt a}7s eQf ?= #,))) sf b/n] k|bfg ul/Psf] 5, cGo
;'ljwf s]xL k|bfg ul/Psf] 5}g .
k|d'v sfo{sf/L clws[t tyf cGo sfo{sf/L kbflwsf/LJoj:yfksxsf] jflif{s tna eQf tyf ;'ljwfxM
ljj/0f
k|d'v sfo{sf/L clws[t
cGo sfo{sf/L kbflwsf/LJoj:yfks
tna
18,15,000=00
21,60,000=00
eQf
3,63,000=00
5,94,500=00
ljdf
72,647=67
1,00,151=00
bz}+ vr{
1,81,500=00
2,15,000=00
;+ro sf]if
1,81,500=00
2,16,000=00
af]g;
4,95,000=00
5,33,338=13
hDdf /sd
31,08,647=67
38,18,989=13
k|d'v sfo{sf/L clws[tnfO{ ;jf/L ;fwg, O{Gwg tyf 6]lnkmf]g, df]jfO{n ;'ljwf ;d]t k|bfg ul/Psf] 5 . ;fy}
cGo kbflwsf/Lx -gfoj dxfk|jGws, ;xfos dxfk|jGws / sDkgL ;lrjk|jGws_ nfO{ sd{rf/L ;]jf
ljlgodfjnL cg';f/ ;jf/L ;fwg shf{;'ljwf, OGwg, df]jfO{n ;'ljwf ;d]t k|bfg ul/Psf] 5 .
a_
z]o/wgLxn] a'lem lng afFsL /x]sf] nfef+z /sd M

xfn;Dd ljsf; a}+sn] nfef+z ljt/0f u/]sf] 5}g .
e_
bkmf !$! adf]lhd ;DklQ vl/b jf ljlqm u/]sf] s'/fsf] ljj/0f M

sDkgL P]g @)^# sf] bkmf !$! adf]lhd ;DklQ vl/b ljlqm ePsf]] 5}g .
!)
d_
o_
bkmf !&% adf]lhd ;Da4 sDkgL ljr ePsf] sf/f]jf/sf] ljj/0f M

o; ljsf; j}+ssf] s'g} ;Da4 sDkgL 5}g .
k|jGwkq tyf lgodfjnLdf ;+zf]wgsf nflu ljz]if k|:tfj ;DaGwdf M
ljsf; a}+ssf] lgodfjnLsf] lgod #@-3_ df ;+rfnsxsf] cGo ;'ljwf ;fwf/0f ;efn] ;do ;dodf lgwf{/0f
u/] adf]lhd x'g]5 eGg] k|fjwfg cGtu{t lgod #@-3_ df pkv08 -c_ yk ul/ lgodfjnLdf lgDgfg';f/ yk
;+zf]wg ug'{ kg]{ ePsf]n] yk ;+zf]wgsf] ljz]if k|:tfj u/]sf 5f}+ .
c_
cWoIf / cGo ;+rfnsxnfO{ 6]lnkmf]g, df]jfOn, O{G6/g]6 / kqklqsf ;'ljwf jfkt k|lt dlxgf
?= @,%))-b'O{ xhf/ kfFr ;o_ k|bfg ul/g]5 .
-/_
n]vf k/LIfs ;DaGwL M

o; ljsf; j+}ssf]] n]vf k/LIf0f ;ldltn] cf=j= @)^*)^( sf] n]vf k/LIf0f sfo{ / s/ n]vfk/LIf0f ;d]tsf
nflu k|fKt k|:tfjx? dWo]af6 sDkgL P]g, @)^# adf]lhd >L lj cf/ P; Gof}kfg] P08 s+= sf tkm{af6 FCA >L
1fg]Gb| jxfb'/ ef/LnfO{ ?= !,@),))). -Tax afx]s_ kfl/>lds lbO{ k"gM lgo'Qm ug{] l;kmfl/; u/] adf]lhd o;
;efdf k]z u/]sf 5f}+ . ;fy} l;kmfl/; adf]lhd lgo'lQm ;dy{g x'g] ljZjf; lnPsf 5f}+ . cf=j= @)^&)^* sf]
n]vf k/LIf0f sfo{ ;dodf g} ;DkGg ug{' ePsf]df >L lj cf/ P; Gof}kfg] P08 s+= sf tkm{af6 FCA >L 1fg]Gb|
jxfb'/ ef/LHo"nfO{ wGojfb\ lbg rfxG5f}+ .
-n_
lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)^% sf] lgod @@ sf] pklgod -!_ ;+u ;DjlGwt ljj/0fxM
!=
sfg'gL sf/jfxL ;DaGwL ljj/0f
b]xfo cg';f/sf] d'2f bfo/ ePsf] eP, d'2f bfo/ ePsf] ldlt, ljifo, d'2f bfo/ ePsf] ;+:yfks jf
;+rfnssf] gfd / ;DefJo sfg"gL pkrf/ ;DaGwL ljj/0f ;dfj]z ul/g'kg]{M
-s_
q}dfl;s cjlwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'2f bfo/ ePsf] eP,
gePsf] .
-v_
;+ul7t ;+:yfsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?4df k|rlnt lgodsf]
cj1f jf kmf}Hbf/L ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ u/]sf] jf ePsf] eP,
hfgsf/Ldf gcfPsf] .
-u_
s'g} ;+:yfks jf ;+rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] eP,
hfgsf/Ldf gcfPsf] .
@=
;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] ljZn]if0f

-s_
lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]af/ ;DaGwdf Joj:yfkgsf] wf/0ffM
lwtf]kq ahf/df ;+ul7t ;+:yfxsf] z]o/ sf/f]jf/df xfn b]lvPsf] ptf/ r9fjn] z]o/sf]
d"Nodf s'g} lsl;dsf] l;dfls+t d"Nof+sg gePsf] dxz'; ul/Psf] 5 .
-v_
ut jif{sf] k|To]s q}dfl;s cjlwdf ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd
d"Nosf ;fy} s'n sf/f]af/ z]o/ ;+Vof / sf/f]af/ lbg .
!!
ljj/0f
clwstd d"No -?=_
Go"gtd d"No -?=_
s"n sf/f]jf/ z]o/ ;+Vof
s"n sf/f]jf/ lbg
!@
@)^& cflZjg
d;fGt
gePsf]
@)^& kf}if
d;fGt
@)^& r}q
d;fGt
@)^* cfiff9
d;fGt
#!%
@*#
!,@!)
@
@&*
!)#
#,!$,)%)
%$
!!#
*%
!,(^,(&)
%*
#=
;d:of tyf r'gf}tL

-s_
cfGtl/s ;d:of tyf r'gf}tLM
bIf hgzlQmsf] cefj tyf a}+s tyf ljQLo ;+:yfx jLrsf] k|lt:kwf{n] Ps ;+:yfsf] sd{rf/L
csf{] ;+:yfdf hfg] cfpg] k|j[lQn] sd{rf/Lsf] bIftfdf vf;} clea[l4 x'g g;s]sf], s]jn kb /
kfl/>ldsdf x]/km]/ ePsf] dxz'; ul/Psf] 5 . o;nfO{ ;dfwfg ug{ ;dofg's'n tna
;'ljwfdf j[l4 ub{} cfGtl/s bIftf clej[l4sf sfo{qmd ;+rfng ul/ Retention ug{] gLlt
lnOPsf] 5 .
-v_
jfXo ;d:of tyf r'gf}tLM
b]zsf] /fhg}lts tyf cfly{s cl:y/tfn] ubf{ pBf]uwGbf, snsf/vfgf, Jofkf/ Joj;fox
lgoldt tyf ultzLn kdf ;+rfng Pj+ :yfkgf x'g g;s]sf] cj:yf Psflt/ 5 eg] csf{]lt/
cfly{s dGbLn] nufgLsf cj;/x x|f;f]Gd'v x'Fb} uPsf 5g\ . a}+s tyf ljQLo ;+:yfx jLrsf]
c:j:y k|lt:kwf{n] lgIf]kdf a9L Jofhb/sf] ef/ k/]sf] tyf /fd|f] nufgLsf] cj;/sf] sdL
;d]t b]lvG5 . l/on :6]6 / z]o/ jhf/df cfPsf] dGbLn] shf{ l8kmN6 x'g ;Sg] vt/fxnfO{
r'gf}tLsf] kdf lnO{ ;hutfsf ;fy of]hgfd"ns 9+un] cl3 a9\g' kg{] b]lvG5 .
-u_
;d:of tyf r'gf}tL ;dfwfg ug{ Joj:yfkgn] cjnDag u/]sf] /0fgLlt ;DaGwL ljj/0fM
k|efjsf/L hgzlQm Joj:yfkg tyf cfGtl/s bIftf clej[l4sf sfo{qmd ;+rfng ug]{,
nufgLsf gofF If]qx lj:tf/ ul/ nufgLdf ljljlws/0f ub}{ n}hfg],
;do ;fk]If kdf ;fljssf /0fgLltxnfO{ kl/dfh{g ub}{} nlug],
gofF k|ljlwdf cfwfl/t ;]jfxsf] ljsf; ul/ u|fxsd'vL ;]jfx pknAw u/fpg] .
$=
;+:yfut ;'zf;g
;+:yfut ;'zf;g clea[l4sf nflu Joj:yfkgf/f rflnPsf sbd ;DaGwL ljj/0fM
;+:yfut ;'zf;g clea[l4sf nflu k|jGwkq lgodfjnL, cfly{s k|zf;g ljlgodfjnL, sd{rf/L ;]jf
ljlgodfjnL, shf{ gLlt tyf lgb{]lzsf nufot ljleGg ljlgodfjnLx, gLlt lgb{]lzsfxsf] th{'df
ul/ ltgdf pNn]lvt k|fjwfgx tyf lgodg lgsfoxf/f k|fKt gLlt lgb{]zgxnfO{ dfu{ lgb{]zgsf]
kdf lnO{ ;f]xL cg'k sfd sf/jfxL cl3 a9fO{Psf] 5 .
%=
ljj/0fkqdf k|If]k0f ul/Psf / n]vfk/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s
;DaGwL ljj/0f .
= xhf/df
cf=j= @)^&^*
km/s
ljj/0f
!= Jofh vr{
@= cGo ;~rfng cfDbfgL
#= ;6xL 36a9 cfDbfgL
k|If]lkt
!,^$,$&*
af:tljs
@,@!,*^@
/sd
%&,#*%
k|ltzt
#%%
@,@%)
^,!(%
#,($%
!&% %
#))
^$
-@#^_
-&(%)
$=;Defljt gf]S;fgL Joj:yfx?

%=;Defljt gf]S;fgL Joj:yfaf6
lkmtf{
^= hu]8f tyf sf]ifx?
!$,!%$
)
@%,*&)
@@(
!!,&!^
@@(
*#%
!)) %
(#,*$@
@@,#^*
-&!,$&$_
-&^%_
&= ltg{ afFsL shf{ ;fk6
#^,)))
^@,())
(= cfos/ bfloTj
#@,!*@
!,^#$
!)= gub df}Hbft
%%,$^(
#$,%*)
!!= a}+sljQLo ;+:yfdf /x]sf]

df}Hbft
@,$(,&^@
@!,($$
!@= dfu tyf cNk ;"rgfdf

k|fKt x'g] /sd
#,%$,)^^
!,$&,)@%
@,#&,#$#
*= k|:tfljt nfef+z
!#= nufgL
km/s kg{'sf] sf/0f

lgIf]kdf a[l4 tyf lgIf]ksf]
nfutdf a[l4 ePsf]n] .
gljs/0f z'Ns / sd{rf/L shf{sf]
Jofh cfDbfgLdf a[l4 .
ljb]zL d'b|f ;6xL b/df pTkGg
ptf/ r9fjsf] sf/0fn] .
lgis[o shf{ a[l4 ePsf]n]
lgis[o shf{ /fkm;fkm ePsf]n]
k|If]lkt gfkmfeGbf jf:tljs gfkmf

sd ePsf] / a}+sn] gub nfef+z
3f]if0ff u/]sf]n] .
-#^,)))_ -!))%_ a}+sn] cfiff9 d;fGtdf cGt/ a}+s
;fk6L /fkm;fkm u/]sf]n] .
^@,()) !)) % a}+sn] gub nfef+z 3f]if0ff
u/]sf]n] .
-#),%$*_ -(%%_ clu|d
cfos/
e'QmfgLsf]
;dfof]hgn] .
-@),**(_ -#*%_ kof{Kt gub df}Hbft kZrft afFsL
/sd ljleGg sn vftfdf
;fl/Psf]n] .
-@,@&,*!(_ -(!%_ a}+sljQLo ;+:yfdf /x]sf] df}Hbft
/ dfu tyf cNk ;"rgfdf k|fKt x'g]
/sd
lar
jlu{s/0f
ldnfO{Psf] .
#,%$,)^^ !)) % a}+sljQLo ;+:yfdf /x]sf] df}Hbft
/ dfu tyf cNk ;"rgfdf k|fKt x'g]
/sd
lar
jlu{s/0f
ldnfO{Psf] .
(),#!* ^!%
g]kfn
;/sf/sf]
C0fkqsf]
nufgLdf a[l4 .
wGojfb 1fkg
a}+ssf] k|ult / ;d[l4sf] nflu lg/Gt/ ;xof]u, k|f]T;fxg, / dfu{bz{g k|bfg u/L ;xof]u k'ofpg' x'g] ;Dk"0f{
cfb/0fLo z]o/wgL dxfg'efjx, g]kfn /fi6 a}+s, sDkgL /lhi6f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s
PS;r]Gh nufot lgodgsf/L lgsfox, g]kfn ljB't k|flws/0f / ;Dj4 lgsfo, >dHof]lt ;xsf/L ;+:yf ln=,
tyf ;d:t u|fxsju{ Pj+ o; ;efdf pkl:yt ;Dk"0f{ dxfg'efjxk|lt xflb{s s[t1tf ;lxt wGojfb JoQm
ub{5' . a}+ssf] pQ/f]Q/ pGglt / k|ultdf k'ofpg' ePsf] of]ubfgsf nflu a}+ssf k|d'v sfo{sf/L clws[t
nufot ;Dk"0f{ clws[t tyf sd{rf/Lx / cGo ;xof]uLxnfO{ wGojfb lbG5' . ;fy} a}+ssf ultljlwxnfO{
;sf/fTds kdf hg;dIf k'ofO{ lbg] ;+rf/hut / k|ToIf ck|ToIf kdf a}+snfO{ ;xof]u k'ofpg] ;Dk"0f{
z'e]R5'sxk|lt klg xflb{s cfef/ ;lxt wGojfb 1fkg ub{5' .
ldltM @)^*)(!#
;+rfns ;ldltsf] tkm{af6

k|rf/dfg l;+x k|wfg
cWoIf
!#
;+rfnsx?sf] shf{ :j3f]if0ff ljj/0f

g]kfn /fi6 a}+sf/f hf/L lgb{]zg, @)^* sf] O=k|f= lg= g+= ^)^* sf] a'Fbf g+= * v08 -s_ df ldlt @)^*.$.!@ sf]
kl/kq cg';f/ o; ljsf; a}+ssf ;+rfnsxaf6 shf{ ;DjGwL k|fKt :j3f]if0ff -k|To]s ;+rfnsaf6 o; a}+snfO{ k|fKt
:j3f]if0ff ljj/0fdf cfwfl/t_ M
;+rfnssf] gfd
k|rf/dfg l;+x k|wfg

w'|j/fh e/fO{
lagf]b s'df/ 9sfn
/fd s'df/ >]i7
xl/ k|;fb cfrfo{
s]zj /fh cfrfo{
w|'j sf]O/fnf
/fdrGb| l;Ub]n
rGb|z]v/ clwsf/L
*shf{
!$
o; a}+sdf ePsf] shf{ ljj/0f

cfgf] gfddf
kl/jf/sf] ;+nUg kmd{
gfddf
sDkgLsf]
gfddf
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
cGo a}+s tyf ljQLo ;+:yfdf ePsf] shf{ ljj/0f

cfgf] gfddf
kl/jf/sf]
;+nUg kmd{
gfddf
sDkgLsf]
gfddf
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
ePsf]*
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
ePsf]*
ePsf]*
gePsf]
gePsf]
ePsf]*
gePsf]
ePsf]*
gePsf]
gePsf]
gePsf]
gePsf]
gePsf]
clen]v ;DaGwL ljj/0f a}+sdf /x]sf] 5 .
!%
!^

jf;nft
2068 ;fn cfiff( d;fGtsf]
k'hL tyf bfloTj
cg';"rL
o; jif{ ?=
ut jif{ ?=
1= z]o/ k'hL
4=1
74,00,00,000
44,80,00,000
2= hu]*f tyf sf]ifx?
4=2
2,23,68,488
2,22,86,627
3= C)fkq ty aG*
4=3
4= ltg{ afls shf{ ;fk^
4=4
5= lgIf]k bfloTj
4=5
6= e'QmfgL lbg'kg]{ ljnx?
4=6
7= k|:tfljt gub nfefz
1,60,76,00,614
6,29,00,000
s'n k'hL tyf bfloTj
16,34,202
9,50,353
3,34,73,388
1,51,91,297
3,41,70,01,518
2,14,40,28,891
4=7
cg";'rL
;DklQ
5,00,00,000
2,55,66,25,440
8= cfos/ bfloTj
9= cGo bfloTj
o; jif{ ?=
ut jif{ ?=
4=8
3,45,80,015
2= g]kfn /fi^ a}+sdf /x]sf] df}Hbft
4=9
13,84,79,540
62,33,595
3= a}+sljQLo ;+:yfdf /x]sf] df}Hbft
4=10
2,19,43,554
17,79,159
4= dfu tyf cNk ;'rgfdf k|fKt x"g] /sd
4=11
35,40,65,712
37,06,89,617
5= nufgL
4=12
23,73,43,138
4,01,00,000
6= shf{ ;fk^ tyf ljn v/Lb
4=13
2,51,87,44,925
1,63,11,13,580
7= l:y/ ;DklQ
4=14
5,37,52,021
5,32,01,238
8= u}/ a}ls ;DklQ
4=15
1= gub df}Hbft
9= cGo ;DklQ
;Defljt bfloTj
5,80,92,613
2,52,48,173
3,41,70,01,518
2,14,40,28,891
4=16
s"n ;DklQ
1,56,63,528
cg";'rL
4=17
;~rfnsx?sf] #f]if)ff
cg";'rL
4=29
k'hLsf]if tflnsf
cg";'rL
4=30
hf]lvd efl/t ;DklQ ljj/)f tflnsf
cg";'rL
4=30-s_
k|d"v ;'rsfx?
cg";'rL
4=31
k|d"v n]vf gLltx?
cg";'rL
4=32
n]vf ;DaGwL l^Kk)fLx?
cg";'rL
4=33
;+:yfks;+:yfks z]o/ lwtf]df /fvL lnPsf] shf{ ljj/)f
cg";'rL
4=34
n]vf kl/IF)F x"g" cl#sf] / kl%sf] t"ngfTds ljj/)F
cg";'rL
4=35
n]vf kl/IF)F x"g" cl#sf] k|sflzt ljlQo ljj/)F
cg";'rL
4=c
4=1 b]lv 4=17 ;Ddsf cg";'rLx? jf;nftsf cleGg c+u x"g\ .

cfhsf] ldltdf ;+nUg k|ltj]bg cg";f/
b= /fs]z k|hfktL
b= emns k|;fb vgfn
b= k|rf/ dfg l;+x k|wfg
b= w|"j /fh e/fO{
b= !fg]Gb| a= ef/L, Pkm=l;=P=
n]vf k|d"v
k|d"v sfo{sf/L clws[t
cWoIf
;+rfns
la=cf/=P; Gof}kfg] P)* s+

rf^{*{ Psfp)^]G^\;
b= ljgf]b s"df/ (sfn
b= /fd s"df/ >]i&
b= xl/ k|;fb cfrfo{
b= s]zj /fh cfrfo{
b= w|"j sf]O/fnf
b= /fdrGb| l;Ub]n
b= rGb| z]v/ clwsf/L
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
ldlt : @)^*/)^/!#
:yfg : sf7df8f}+, g]kfn
!&
jf;nft

b]lv 2068 cfiff(
;Ddsf]
khL ldlt
tyf 206741
bfloTj
cg';"rd;fGt
L
; jif{ ?=
t jif{ ?=
gfkmfgf]S;fg lx;fj
ljj/)f
cg";'rL
o; jif{ ?=
ut jif{ ?=
1= Aofh cfDbfgL
4=18
39,99,01,349
16,82,81,791
2= Aofh vr{
4=19
22,18,62,231
7,93,10,151
17,80,39,119
8,89,71,640
v"b Aofh cfDbfgL

3= sldzg tyf l*:sfp)^
4=20
2,89,32,471
1,99,69,675
4= cGo ;~rfng cfDbfgL
4=21
61,94,753
28,80,153
5= ;^xL #â( cfDbfgL
4=22
64,491
s'n ;~rfng cfDbfgL s'n k'hL tyf bfloTj

6= sd{rf/L vr{
7= cGo ;~rfng vr{
2,14,40,28,891
11,18,21,468
3,08,37,313
; jif ?=
5,79,38,156
_
2,10,41,196
t jif ?=
4,10,81,873
12,44,55,364
4,95,30,479
2,58,69,663
98,34,832
9,85,85,701
3,96,95,647
4=23
cg";'r
4=24
;Dk Q
8= ;^xL #â( gf]S;fg
4=22
;Defljt gf]S;fgL Aoj:yf cl#sf] ;~rfng d"gfkmf

9= ;Defljt gf]S;fgL Aoj:yfx?
3,41,70,01,518
21,32,30,833
4=25
;~rfng d"gfkmf
1,67,920
10= u}/ ;~rfng cfDbfgLvr{
4=26
1,56,667
11= ;Defljt gf]S;fgL Aoj:yf af^ lkmtf{
4=27
2,29,310
9,88,15,011
lgoldt sf/f]jf/af^ ePsf] d"gfkmf

12= c;fdfGo sf/f]jf/x?af^ ePsf] cfDbfgL/vr{
s"n ;DklQ
;Dk')f{ sf/f]jf/ ;dfj]z kl%sf] v"b d"gfkmf
4=28
3,98,52,314
(2,875)
3,41,70,01,518
9,88,12,136
2,14,40,28,891
3,98,52,314
13= sd{rf/L af]g; Aoj:yf
89,82,921
36,22,938
14= cfos/ Aoj:yf
2,68,47,354
1,01,49,144
* o; jif{sf] s/ Aoj:yf
2,78,45,125
1,07,49,889
* ljut jif{;Ddsf] s/ Aoj:yf
* o; jif{sf] :yug s/ -cfDbfgL_ / vr{
(997,771)
(600,745)
6,29,81,861
2,60,80,233
v'b gfkmf /gf]S;fg
4=18 b]lv 4=28 ;Ddsf cg";'rLx? gfkmf gf]S;fg lx;fasf cleGg c+u x"g\ .
"
b= /fs]z k|hfktL
b= emns k|;fb vgfn
b= w|"j /fh e/fO{
n]vf k|d"v
cWoIf
;+rfns

rf^{*{ Psfp)^]G^\;
b= /fd s"df/ >]i&
b= xl/ k|;fb cfrfo{
b= s]zj /fh cfrfo{
b= w|"j sf]O/fnf
b= /fdrGb| l;Ub]n
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
ldlt : @)^*/)^/!#
!*

s'n k'hL tyf bfloTj
gfkmfgf]S;fg af8kmf8 lx;fj
3,41,70,01,518
2,14,40,28,891
ldlt;Dk206741
b]lv 2068 cfiff(
Q
cg";'rd;fGt ;Ddsf]
; jif ?=
ljj/)f
cg";'rL
t jif ?=
o; jif{ ?=
cfDbfgL
1= ut jif{;Ddsf] ;+lrt d'gfkmf
2= o; jif{sf] d'gfkmf
3= ;^xL #â( sf]if
ut jif{ ?=
1,63,14,574
6,29,81,861
7,92,96,435
hDdf
vr{
1= ut jif{;Ddsf] ;+lrt gf]S;fg
2= o; jif{sf] gf]S;fg
3= ;fwf/)f hu]*fsf]if
4= e}kl/ cfpg] hu]*f
s"n ;DklQ
5= ;+:yf ljsf; sf]if
6= nfef+z ;dLs/)f sf]if
7= sd{rf/L ;DaGwL hu]*fx?
8= k|:tfljt nfef+z
9= k|:tfljt af]g; z]o/ hf/L
10= ljz]if hu]*f sf]if
11= ;^xL #â( sf]if
12= k'hL lkmtf{ hu]*f sf]if
13= k'hL ;dfof]hg sf]if
14= :yug s/ hu]*f
2,60,80,233
2,60,80,233
37,93,606
1,25,96,372
52,16,047
3,41,70,01,518
2,14,40,28,891
6,29,00,000
3,699
9,97,771
7,56,006
7,64,97,842
97,65,658
27,98,593
1,63,14,574
hDdf
15= ;l~rt d'gfkmf / -gf]S;fg_

b= /fs]z k|hfktL
b= emns k|;fb vgfn
b= w|"j /fh e/fO{
n]vf k|d"v
cWoIf
;+rfns

rf^{*{ Psfp)^]G^\;
b= /fd s"df/ >]i&
b= xl/ k|;fb cfrfo{
b= s]zj /fh cfrfo{
b= w|"j sf]O/fnf
b= /fdrGb| l;Ub]n
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
ldlt : @)^*/)^/!#
!(
jf;nft
gub k|jfx ljj/0f
khL ldlt
tyf 206741
bfloTj
cg';"r
L
; jif{ ?=
b]lv 2068 cfiff(
d;fGt
;Ddsf]
o; jif{ ?=
ljj/)F
s_
t jif{ ?=
(104,151,580)
(103,582,596)
42,14,39,413
38,62,62,493
2,89,32,471
49,697
61,94,753
(325,973,951)
(221,862,231)
(29,141,437)
3,41,70,01,518
(44,186,070)
(27,161,276)
; jif ?=
(3,622,938)
9,54,65,461
(1,109,868,100)
1,66,23,905
(197,243,138)
(913,274,573)
(15,974,294)
91,02,51,058
94,90,24,826
(50,000,000)
1,12,26,232
(16,536,387)
3,41,70,01,518
(16,536,387)
29,20,00,000
29,20,00,000
14,794
17,13,26,827
2,36,76,282
19,50,03,109
19,11,88,695
16,82,81,791
1,99,69,675
57,076
28,80,153
(140,734,287)
(79,310,151)
(21,041,196)
2,14,40,28,891
(30,883,405)
(9,499,535)
t jif ?=
5,04,54,408
(1,076,902,950)
(289,514,857)
18,00,00,000
(963,715,765)
(3,672,327)
92,28,65,945
91,94,01,995
34,63,950
(29,867,577)
2,14,40,28,891
(29,867,577)
7,68,36,200
7,68,36,200
(224,996)
(56,838,969)
8,05,15,251
2,36,76,282
sf/f]jf/ ;+rfngaf^ gub k|jfx

1=
gub k|flKt
1=1 Jofh cfDbfgL
1=2 sdLzg tyf l*isfpG^ cfDbfgL
1=3 ljb]zL ljlgdo sf/f]jf/af^ cfDbfgL
1=4 ckn]lvt shf{sf] c;'nL
1=5 cGo cfDbfgL
2=
gub e'QmfgL
2=1 Jofh vr{
2=2 sd{rf/L vr{
s'n k'hL tyf bfloTj
2=3 sfof{no ;+rfng vr{
2=4 cfos/ e'QmfgL
;Dk Q
cg";'r
2=5 cGo vr{ -sd{rf/L af]g;_
sfo{ut k'hL - working capital_ ultljlw cl#sf] gub k|jfx
;+rfng ;DjlGw rfn' ;DklQdf sdL /-j[l$_
1=
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL/-j[l$_
2=
cGo cNksfnLg nufgLdf sdL/-j[l$_
3=
shf{ tyf ljN; v/Lbdf sdL/-j[l$_
4=
cGo ;DklQdf sdL/-j[l$_
;+rfng ;DjlGw rfn" bfloTjdf -sdL_ /j[l$_
1=
lgIf]k bfloTjdf -sdL_/j[l$
2=
;l^{lkms]^ ckm l*kf]lh^df -sdL_/j[l$_
3=
cNksfnLg ;Fk^Ldf -sdL_/j[l$_
4=
cGo bfloTjdf -sdL_/j[l$_
v_
nufgL sf/f]jf/df gub k|s"
jn
fx ;DklQ
1=
bL#{sfnLg nufgLdf sdL/-j[l$_
2=
l:y/ ;DklQdf sdL/-j[l$_
3=
bL#{sfnLg nufgLdf Jofh cfDbfgL
4=
nfef+z cfDbfgL
4=
cGo
u_
ljQLo >f]t sf/f]jf/af^ gub k|jfx
1=
bL#{sfnLg C)f -j)*,l*j]Gr/ cflb_df j[l$/-sdL_
2=
z]o/ k'hLdf j[l$/-sdL_
3=
cGo bfloTjdf j[l$/-sdL_
4=
g]kfn /fi^ a}+saf^ k|fKt ;x'lnot/k'g/shf{df j[l$/-sdL_
#_
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf^ cfDbfgLvr{
_
o; jif{sf] ;Dk")f{ ultljlwaf^ gub k|jfx
r_
gub tyf a}+sdf /x]sf] z'? df}Hbft
%_
gub tyf a}+sdf /x]sf] clGtd df}Hbft
ut jif{ ?=
cfhsf] ldltdf ;+nUg k|ltj]bg cg';f/
"
b= /fs]z k|hfktL
b= emns k|;fb vgfn
b= w|"j /fh e/fO{
n]vf k|d"v
cWoIf
;+rfns

rf^{*{ Psfp)^]G^\;
b= /fd s"df/ >]i&
b= xl/ k|;fb cfrfo{
b= s]zj /fh cfrfo{
b= w|"j sf]O/fnf
b= /fdrGb| l;Ub]n
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
;+rfns
ldlt : @)^*/)^/!#
@)

cGo
hu]
tyf:yug
sf]*if s/
cGo hu]*f
cGo
hu]
tyf:yug
sf]*if s/
s'nhu]*f
cGo
/sd
/sd
s'n sf]if
tyf
s'nhu]*f
/sd
cGo
s'n
3,41,70,01,518
/sd
47,02,86,627
47,02,86,627
s'n
-?=_
/sd
s'n
--
(6,29,00,000)
(6,29,00,000)
(6,29,00,000)
- - - 29,20,00,000
- -0 - -- -0 29,20,00,000
-29,20,00,000
- - -0
0
-0
-17,53,777
- 17,53,777
- 29,20,00,000
- -0 3,699
0
(3,699)
3,699
29,20,00,000
29,20,00,000
3,699
-17,53,777
1,78,12,419
3,699
76,23,68,488
76,23,68,488
- - -0 29,20,00,000
76,23,68,488
17,53,777
k|:tfljt af]g; z]o/
lGtd df}Hbft
b= xl/ k|;fb cfrfo{

;+rfns
b= /fd s"df/ >]i&
;+rfns
;+rfns
ldlt : @)^*/)^/!#
3,699
;+rfns
b= s]zj /fh cfrfo{
cWoIf
b= emns k|;fb vgfn
1,78,12,419
n]vf k|d"v
27,98,593
b= /fs]z k|hfktL
74,00,00,000
;+rfns
b= w|"j sf]O/fnf
;+rfns
b= w|"j /fh e/fO{
17,53,777
;+rfns
"
76,23,68,488
;+rfns
rf^{*{ Psfp)^]G^\;
76,23,68,488
b= /fdrGb| l;Ub]n
76,23,68,488
17,53,777
- ;+nUg 76,23,68,488
29,20,00,000
cfhsf]
ldltdf
k|ltj]bg cg';f/
00
lGtd
7,98,593
1,78,12,419
df}H27,98,593
bft 1,78,12,419
-- 3,699
-27,98,593
17,53,777
3,699
3,699
17,53,777
1,78,12,419
-17,53,777
76,23,68,488
76,23,68,488
76,23,68,488
3,699
17,53,777
clGtd- 1,78,12,419
df}Hbft 74,00,00,000
74,00,00,000
27,98,593
1,78,12,419
3,699
76,23,68,488
17,53,777
- -0
-00
lGtd
7,98,593
74,00,00,000
1,78,12,419
df}H27,98,593
bft 1,78,12,419
1,78,12,419
-1,78,12,419
- 3,699
-27,98,593
17,53,777
3,699
3,699
-17,53,777
1,78,12,419
-17,53,777
3,699
76,23,68,488
- 17,53,777
76,23,68,488
76,23,68,488
- - - 76,23,68,488
17,53,777
clGtd-27,98,593
df}Hbft 74,00,00,000
74,00,00,000
27,98,593
1,78,12,419
- - 3,699
3,699
29,20,00,000
-
0
29,20,00,000
76,23,68,488
- -0
(6,29,00,000)
29,20,00,000
-0
(6,29,00,000)
29,20,00,000
9,97,771
76,23,68,488
- -
---0
29,20,00,000
76,23,68,488
29,20,00,000
(6,29,00,000)
- -0
6,29,81,861
(6,29,00,000)
-- 0
29,20,00,000
6,29,81,861
--
29,20,00,000
29,20,00,000
-(9,97,771)
-29,20,00,000
- - 3,699
-:yug -27,98,593
s/
sf]if 74,00,00,000
00
lGtd
7,98,593
74,00,00,000
1,78,12,419
df}H27,98,593
bft 1,78,12,419
1,78,12,419
-1,78,12,419
- 3,699 -27,98,593
17,53,777
3,699
- 3,699
-17,53,777
1,78,12,419
-17,53,777
3,699
76,23,68,488
- 17,53,777
76,23,68,488
76,23,68,488
- - - 76,23,68,488
17,53,777
76,23,68,488
29,20,00,000
17,53,777
- -0
(6,29,00,000)
--
-6,29,00,000
_
-
(1,25,96,372)
52,16,047
00
lGtd
7,98,593
74,00,00,000
df}H27,98,593
bft 1,78,12,419
1,78,12,419
74,00,00,000
1,78,12,419
-27,98,593
3,699
3,699
-17,53,777
1,78,12,419
17,53,777
3,699
- 17,53,777
76,23,68,488
- - -0 29,20,00,000
76,23,68,488
17,53,777
29,20,00,000
29,20,00,000
29,20,00,000
;fwf/)f27,98,593
z]Ho
/ lgisfzg
29,20,00,000
-0
-0 3,699
clGtd
df}
bft
74,00,00,000
27,98,593
1,78,12,419
-76,23,68,488
3,699
;^xL #â(
sf]74,00,00,000
if00
lGtd
7,98,593
74,00,00,000
df}H27,98,593
bft 1,78,12,419
27,98,593
1,78,12,419
1,78,12,419
-27,98,593
3,699
- -
k|:tfljt gub nfefz
1,63,14,574
6,29,81,861
(6,29,00,000)
- -29,20,00,000
(6,29,00,000)
(6,29,00,000)
(6,29,00,000)
(6,29,00,000)
-- 0 - -- 0 29,20,00,000
- 0
29,20,00,000
dfof]hg
hu]*f 44,80,00,000
sf]ifdf ;fl/Psf]
dfof]lht z'? df}H;fwf/)F
bft
6,29,81,861
(6,29,00,000)
--- 0
47,02,86,627
6,29,81,861
-6,29,81,861
--6,29,81,861
-- 0
6,29,81,861
-(6,29,00,000)
1,25,96,372
(6,29,00,000)
(6,29,00,000)
0 - -- 0 (6,29,00,000)
7,56,006
(6,29,00,000)
6,29,81,861
--
(6,29,00,000)
6,29,81,861
6,29,81,861
--(6,29,00,000)
-6,29,81,861
--6,29,81,861
- -- (6,29,00,000)
--
;dfof]
hg
v'
b gfkmf
47,02,86,627
-
47,02,86,627
7,56,006
-6,29,81,861
(6,29,00,000)
-6,29,81,861
00
dfof]
3,14,574
lht
52,16,047
z'? df}52,16,047
H;dfof]
bft h
-df}-Hbft
- - 44,80,00,000
1,63,14,574
7,56,006
- 7,56,006
52,16,047
- 7,56,006
47,02,86,627
-52,16,047
47,02,86,627
-6,29,81,861
47,02,86,627
- -- (6,29,00,000)
7,56,006
l-ht
1,63,14,574
-(6,29,00,000)
-h
g1,63,14,574
:z'? 44,80,00,000
g 52,16,047
6,29,81,861
6,29,81,861
(6,29,00,000)
dfof]hg
47,02,86,627
6,29,81,861
dfof]
h
g1,63,14,574
:yug
- z]
-;^xL
00
3,14,574
44,80,00,000
lht
52,16,047
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11,973
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11,973
86,47,200
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56,30,565
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85,02,81,203
85,02,81,203
46,67,27,770
38,35,53,433
56,13,27,324
55,88,19,259
16,45,18,867
24,87,00,905
14,55,99,488
25,08,065
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2=
ljb]zL d"b|fdf
2=1
2=2
cGo O=k|f=ljQLo ;+:yfx?
2=3
cGo ;+ul&t ;+:yfx?
2=4
JolQmut
2=5
cGo
#=
;l^{lkms]^ ckm l*kf]lh^
1=
;+ul&t ;+:yf
2=
JolQmut
3=
cGo
Jofh ltg"{kg]{ vftfx?sf] hDdf
hDdf lgIf]k -1+2_
56,92,10,379
56,66,40,711
56,66,40,711
25,69,668
25,69,668
40,16,54,539
40,16,54,539
29,08,10,938
11,08,43,602
51,11,77,583
50,82,75,565
13,74,81,725
24,00,03,417
13,07,90,422
29,02,018
29,02,018
1,48,20,42,501
1,60,76,00,614
cg";'rL 4=6

e'QmfgL lbg'kg]{ ljnx?
ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
:jb]zL d"b|f
2=
ljb]zL d"b|f
hDdf
@%
cg";'rL 4=7

cGo bfloTj
ljj/)f
1=
o; jif{ ?=
ut jif{ ?=
14,73,706
k]G;g/pkbfg sf]if
6,43,973
593
2=
sd{rf/L ;~ro sf]if
3=
sd{rf/L sNof)f sf]if / labf Aoj:yf
18,41,303
9,75,160
4=
sd{rf/L jf]g; Aoj:yf
89,82,921
36,22,938
5=
lgIf]kdf e"QmfgL lbg af+sL Aofh
70,07,369
6=
;fk^Ldf e"QmfgL lbg af+sL Aofh
7=
kfsL g;s]sf] l*:sfp)^ / sldzg
8=
;)*L qm]l*^;{
9=
zfvf ldnfg lx;fa
10=
:yug s/ bfloTj
11=
e"QmfgL lbg af+sL nfef+z
12=
15,17,945
18,25,726
cGo
12=1
1,57,732
P= ^L= Pd= nfO{ ltg'{kg]{
8,71,690
1,23,42,364
74,01,266
56,70,936
13,54,493
12=2
w/f}^L /sd
5,21,836
5,81,047
12=3
e'Qmflg lbg'kg]{ ladf lk|ldod
1,11,755
63,051
12=4
Aoj:yfks r]s
6,32,429
12,57,161
12=5
n]vf k/LIf)f z'Ns
3,94,690
2,40,000
12=6
clu|d s/ s^\^L /sd -sd{rf/L tnj / cGo_
2,66,733
2,95,399
12=7
clu|d s/ s^\^L /sd -Aofh_
39,30,027
18,29,801
12=8
kfs]sf] lgIf]k
12=9
cGo
hDdf
10,92,466
8,13,956
6,87,848
3,34,73,388
1,51,91,297
cg";'rL 4=8

gub df}Hbft
ljj/)f
o; jif{ ?=
1= :jb]zL d'b|f -l;Ssf ;d]t_
3,40,84,929
1,56,23,446
4,95,086
40,082
3,45,80,015
1,56,63,528
2= ljb]zL d'b|f
hDdf
ut jif{ ?=
cg";'rL 4=9

g]kfn /fi6 a}+sdf /x]sf] df}Hbft
ljj/)f
g]fn
kfn /fi^
/fi^ a}a}
1=1=g]k
+s+s
s= rNtL vftf
v= cGo vftf
@^
:jb]zL
ljj/)f
d'b|f
ljb]zL d'b|f ?= df
jb]zL
hDdf
b|f
ef=?=
kl/jTo{ lj=d'=
13,84,79,540
13,84,79,540
o; jif{
jif{f ?=
ljb]ut
zL db|
?=
s"n ?=
ef=?=
13,84,79,540
13,84,79,540
13,84,79,540
-
62,33,595
62,33,595
-
cg";'rL 4=10
a}+sljQLo ;+:yfdf /x]sf] df}Hbft

ljj/)f
:jb]zL
ljj/)f
?=zLdfd'b|f ?= df
:jb]zL ljb]zL d'b|f ljb]
:jb]d'zbL|f
ljj/)f
2,19,32,054
1= :jb]zL Ohfhtkq
d'b|f
k|fKt ;+:yfx?
lj=d'
hDdf
d'ef=?=
b|f ljb]zkl/jTo{
kl/jTo{
lj=d'
=
L ef=?=
d'b|f ?=
df=
11,500
ef=?= 0 kl/jTo{ lj=d'
=
2,19,32,054
s= rNtL vftf
o; jif{
hDdf11,500
11,500
11,500
s'n ?=
ut ?=
jif{
?=
hDdf
o;s'njif{ ?=
s'2,19,43,554
n ?=
?=17,79,159
2,19,43,554
17,79,159
2= ljb]zL a}+sx?
s= rNtL vftf
v= cGo vftf
hDdf
0
0
21,932,05421,932,054
-
hDdf
21,932,054
hDdf
0
-
- 11,500
11,500
ut jif{
v= cGo vftf
o; jif{ ut jif{
11,500
11,500
11,500
0
0
21,943,55421,943,554
1,779,159 1,779,159
11,500
21,943,554
cg"1,779,159
;'rL 4=11

dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx?
ljj/)f
o; jif{ ?=
ut jif{ ?=
34,60,51,537
1= :jb]zL d'b|fdf
2= ljb]zL d'b|fdf
hDdf
36,51,90,622
80,14,175
54,98,995
35,40,65,712
37,06,89,617
cg';"rL 4=12

nufgL
ljj/)f
ljj/)f
ljj/)f
-2068 ;fn cfiff(

d;fGt_
k|of]hg
o; jif{
o; jif{
o;?=jif{
?= ?=
k|of]hk|
gof]hg cGo
Jofkf/Ls
Jofkf/Ls
cGo cGo
Jofkf/Ls
1= g]kfn ;/sf/sf] ^]h/L ljn
2= g]kfn ;/sf/sf] artkq
3= g]kfn ;/sf/sf] cGo C)fkq
4= g]=/f=a}+=C)fkq
5= ljb]zL C)fkq
6= :jb]zL OhfhtkqkfKt ;+:yf
7= ljb]zL a}+s
8= ;+ul&t ;+:yfx?xsf] z]o/
1,00,000
1,00,000
1,00,000
9= ;+ul&t ;+:yfx?sf] l*j]Gr/ tyf aG*
10=cGo nufgL
s'n nufgL
s'n nufgL
s'n nufgL
v'bAoj:yf
nufgL
v'b nufgL
v'b nufgL
12,72,43,138
ut jif{
ut jif{
ut ?=
jif{
?= ?=
12,72,43,138
11,00,00,000
11,00,00,000
4,00,00,000
23,73,43,138
23,73,43,138
4,01,00,000
23,73,43,138
23,73,43,138
4,01,00,000
23,73,43,138
23,73,43,138
4,01,00,000
-
23,73,43,138
23,73,43,138
4,01,00,000
23,73,43,138
23,73,43,138
4,01,00,000
23,73,43,138
23,73,43,138
4,01,00,000
@&
cg";'rL 4=12-s_
z]o/ l8j]~r/ tyf a08df nufgL

ljj/)f
k/n df]n
?=
1=
ahf/
d'Nofg";f/
Aoj:yf
o; jif{
ut jif{
/sd
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
1,00,000
2=2 =====================
2=3 =======================
z]o/ nufgL
1=1 g]kfn lSnol/ xfp; ln=

1000 ;fwf/)f z]o/ k|lt z]o/ k/n d"No ?=100.00 n]
2= l*j]~r/ tyf j)* nufgL
2=1 =========sDkgL -k|f=ln=/ ln=_
===k|ltzt l*j]Gr/ / j)* k|lt l*j]Gr/ / a)*==== ?=n]===
1,00,000
s'n nufgL
3=
hf]lvd ;DaGwL Aoj:yf

-
3=1 ut jif{ ;Ddsf] Aoj:yf
1,00,000
1,00,000
s'n Aoj:yf
v'b nufgL
3=2 o; jif{sf] yk/#^
1,00,000
1,00,000
cg";'rL 4=12=1

Jofkfl/s nufgL (Held for Trading)
ljj/)f
k/n
kl%Nnf]
xfnsf]
df]n ?=
ahf/
ahf/
d'No -s_
d"No -v_
o; jif{ gfkmf / ut jif{ gfkmf /

-gf]S;fg_
s}lkmot
-gf]S;fg_
/sd -sv_
/sd -sv_
!= g]kfn ;/sf/sf] 6]h/L ljn
@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq
$= g]=/f= a}s C0fkq
%= lab]zL C0fkq
^= :ab]zL Ohfhtkqk|fKt ;+:yfsf] z]o/
&= :ab]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf a08
*= :ab]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08

(= lab]zL a}s nufgL - Placement_
!)= Interbank Lending
!!=cGo nufgL
s'n nufgL
@*
cg";'rL 4=12=2

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity)
ljj/)f

$= g]=/f= a}s C0fkq
%= lab]zL C0fkq
!)=cGo nufgL
k/n
kl%Nnf]
xfnsf]
df]n ?=
ahf/
ahf/
d"No -s_
d"No -v_
12,72,43,138

-gf]S;fg_
/sd -sv_
/sd -sv_
s}lkmot
-gf]S;fg_
-
1,00,000
-
%}g
%}g
%}g
%}g
%}g
11,00,00,000
23,73,43,138
cg";'rL 4=12=3

laqmLsf] nflu pknAw nufgL (Available for Sale)
ljj/)f

$= g]=/f= a}s C0fkq
%= lab]zL C0fkq
!)=cGo nufgL
s'n nufgL
k/n
kl%Nnf]
xfnsf]
df]n ?=
ahf/
ahf/
d'No -s_
d"No -v_

-gf]S;fg_
s}lkmot
-gf]S;fg_
/sd -sv_
/sd -sv_
@(
shf{2068
shf{ ;fn
v/Lb
shf{cfiff(
tyf l*isfpG^
d;fGt
:jb]zL :jb]zL :jb]zL shf{
l/Psf ljn
= l/Psf
ljn
l/Psfl*isfpG^
ljn
l/Psf
=
ljn =
v/Lb tyf
Ddf
ul/Psf ljn
13,185
-
2=1 k'g{;+/rgf / k"gtf{lnsLs/)f
2=2 sd;n
2= lg:qmo shf{ ;fk^- Non Performing_

-
3,43,46,193
-
3,43,59,378
-
3=3 sd;n
3=4 z+sf:kb
-v_ sn-v_Aoj:yf
sn-v_
sn
Aoj:yf
45,792
Aoj:yf
3=5
v/fj
4=3 sd;n
2,51,39,526
2,56,10,60,844
2,29,310
1,62,21,532
4,17,64,762
2,29,310
1,64,46,255
4,23,15,919
shf{ -s
v_
v'b shf{ -s - v_
1,69,65,863
5,00,31,078
2,45,17,47,984
2,51,87,44,925
o; jif{o;
sf] vb
jif{so;
f] 38,305
vb
jif{sAoj:yf
f] vb yk#^
yk#^
yk#^
2,88,129 38,305
2,53,13,920
38,305 38,305
2,88,129
- 2,88,129
2,88,129
2,56,40,353
2,53,13,920
2,53,13,920
2,53,13,920
-- 2,56,40,353
-- 2,56,40,353
2,56,40,353
2,56,40,353
-yk
2,55,43,230
2,58,69,663
vb
1,69,65,863
shf{
vb
-s
shf{
vb
v_
-s
shf{
5,00,31,078
v_
-s
v_
1,69,65,863
2,45,17,47,984
1,69,65,863
1,69,65,863
5,00,31,078
5,00,31,078
5,00,31,078
2,51,87,44,925
2,45,17,47,984
2,45,17,47,984
2,45,17,47,984
2,51,87,44,925
2,51,87,44,925
2,51,87,44,925
2,51,87,44,925
o; jif{sf] v'b yk#^
38,305
2,88,129
2,53,13,920
2,56,40,353
4=4 z+sf:kb
f] s"n Aoj:yf
-u_ ut-u_jif{
ut
;Ddsf]
-u_
jif{;ut
s"Ddsf]
n
7,488
jif{
Aoj:yf
;
s"Ddsf]
n Aoj:yf
s"n2,17,235
Aoj:yf
4=5
v/fj
7,488
7,488
7,488
2,17,235
,64,50,842
- 2,17,235
,64,50,842
,66,75,566
,64,50,842
,66,75,566
-,66,75,566
,66,75,566
-- 2,17,235
--,64,50,842
- -,66,75,566
] Aoj:yfaf^-#_lkmtf{
ut-#_
cf=j=sf]
Aoj:yfaf^
-Aoj:yfaf^
Aoj:yfaf^
lkmtf{- lkmtf{ - 7,488
- - 2,17,235
2,29,310
- 1,64,50,842
-2,29,310
-- 1,66,75,566
2,29,310
- 2,29,310
2,29,310
--u_cf=j=sf]
ut -#_
jif{
;ut
Ddsf]cf=j=sf]
s"nlkmtf{
Aoj:yf
Aoj:yf
o; -#_
jif{o;
sut
f] yk
jif{
s
o;
Aoj:yf
f]
38,305
yk
jif{
s
Aoj:yf
f]
yk
Aoj:yf
2,88,129
38,305
2,55,43,230
38,305
38,305
2,88,129
2,88,129
2,88,129
2,58,69,663
2,55,43,230
2,55,43,230
2,55,43,230
2,58,69,663
2,58,69,663
2,58,69,663
2,58,69,663
cf=j=sf] Aoj:yfaf^ lkmtf{
2,29,310
2,29,310
4=1 c;n
4=2 k'g{;+/rgf ul/Psf]
5,05,364
2,17,235
45,792
7,488
4= ut jif{;Ddsf] Aoj:yf
2,45,91,666
2,49,35,12,746
1,71,73,096 1,71,73,096
5,05,364 45,792
4,17,64,762
45,792
5,05,364
5,05,364
4,23,15,919
4,17,64,762
4,17,64,762
4,17,64,762
4,23,15,919
4,23,15,919
4,23,15,919
3,29645,792
- 5,05,364
- 4,23,15,919
3,296
-
5,05,364
3=1 c;n
-
5,05,36,443
42,496
1,70,11,655
3= shf{ gf]S;fgL Aoj:yf
3= shf{3=
Ss'
;fgL
Aoj:yf
Sshf{
;fgL- gf]1Aoj:yf
S+;fgL
-s_gf]shf{
n3=gf]
shf{
2_ Aoj:yf
f] Aoj:yf 4= ut 4=
jif{ut
;s'Ddsf]
jif{
;ut
Aoj:yf
Ddsf]jif{;
Aoj:yf
Ddsf] Aoj:yf
-v_
n4=
Aoj:yf
b yk#^
o; =jif{
= ut jif{
=
v/Lb
tyf
v/Lbl*isfpG^
tyf
v/Lbl*isfpG^
; jif{
ttyfjif{l*isfpG^
; jif{ ; jif{ ; tjif{ jif{ t jif{ t jif{
cg";'rL 4=13
3,43,59,378
9,17,241
9,17,241
2,51,39,526
2,29,310
1,64,46,255
2,29,310
1,64,46,255
4,23,15,919
68,40,734
1,66,75,566
1,71,73,096
,66,75,566
4,23,15,919
4,23,15,919
,66,75,566
,66,75,566
- 4,23,15,919
3,296
- ,66,75,566
2,51,87,44,925
1,63,11,13,580
-- 98,34,832
- 2,56,40,353
- 2,56,40,353
2,56,40,353
98,34,832
98,34,832
98,34,832
2,58,69,663
--,63,11,13,580
-2,51,87,44,925
2,51,87,44,925
- 2,56,40,353
2,51,87,44,925
,63,11,13,580
,63,11,13,580
,63,11,13,580
98,34,832
-- 68,40,734
-,66,75,566
,66,75,566
68,40,734
68,40,734
- ,66,75,566
- 68,40,734
-- - 2,29,310
- 1,66,75,566
2,29,3102,29,310
-68,40,734
-- 98,34,832
- 2,58,69,663
- 2,58,69,663
2,58,69,663
98,34,832
98,34,832
98,34,832
2,29,310
-
2,56,10,60,844 1,64,77,89,146
3,43,46,193
2,56,10,60,844
2,56,10,60,844
2,56,10,60,844
,64,77,89,146
,64,77,89,146
,64,77,89,146
-,64,77,89,146
13,185
-
k|f=If]= k|f=If]= k|:jb]

f=If]z
=L
Ddf
Ddf
Ddf
?=
?=
cGo
ljb]zL
cGo cGo ljb]cGo
zL ljb]zL ljb]zL
ljldt ljldt ljldt
cljldt
jb]zL jb]zL
Ddf hDdf jb]zL jb]
jb]z
zLL jb]
jb]Ddf
z
zLL jb]
Ddf
zL
Ddf
k|f=If]= cljldt cljldt
cGo
ljb]zL
1= ;lqmo
_ 1= shf{
;lqmo1=1,69,98,470
;fk^shf{
;lqmo;fk^shf{ ;fk^5,05,36,443
_
_ 1,69,98,470
_ 2,45,91,66,553
1,69,98,470
5,05,36,443
5,05,36,443
-cljldt5,05,36,443
2,52,67,01,466
2,45,91,66,553
2,45,91,66,553
2,45,91,66,553
--2,52,67,01,466
-2,52,67,01,466
2,52,67,01,466
2,52,67,01,466
-- zL ljb]
-,64,68,71,905
- zL hDdf
-2,52,67,01,466
-2,52,67,01,466
2,52,67,01,466
,64,68,71,905
,64,68,71,905
,64,68,71,905
ljldt1,69,98,470
:jb]
1= ;lqmo shf{ ;fk^- Performing_
1,69,98,470
5,05,36,443
2,45,91,66,553
2,52,67,01,466
2,52,67,01,466 1,64,68,71,905
2= lg:qmo
2= c;n
lg:qmo
shf{
_ 2=;fk^shf{
lg:qmo
13,185
;fk^shf{ ;fk^- _ _ 13,185
3,43,46,193
_ 13,185 13,185
- 3,43,59,378
3,43,46,193
-2,45,91,66,553
3,43,46,193
3,43,46,193
- 3,43,59,378
-2,52,67,01,466
3,43,59,378
3,43,59,378
3,43,59,378
9,17,241
3,43,59,378
3,43,59,378
3,43,59,378
9,17,241
9,17,241
9,17,241
1,69,98,470
5,05,36,443
2,52,67,01,466
1,64,68,71,905
k|f=If]=
ljj/)f
ljldt
cljldt
:jb]zL
ljj/)f ljj/)f ljj/)f
shf{
shf{ ;fk6 tyf lan vl/b juL{s/0f / ;f]sf] nflu Aoj:yf
2=3 z+sf:kb
3,43,46,193 3,43,46,193
sn-s_
2_ -s_ sn-s_shf{
-v/fj
shf{
1,70,11,655
1 sn-2_shf{
1
2_
- 15,05,36,443
2_
1,70,11,655
2,49,35,12,746
1,70,11,655
1,70,11,655
5,05,36,443
5,05,36,443
5,05,36,443
2,56,10,60,844
2,49,35,12,746
2,49,35,12,746
2,56,10,60,844
2,56,10,60,844
2,56,10,60,844
2,56,10,60,844
2=4
13,185
-2,49,35,12,746
13,185
-
Aoj:yf
;fk^-
;fk^-
ljj/)f
#)

shf{ ;fk6 tyf lan vl/b juL{s/0f / ;f]sf] nflu Aoj:yf
2068 ;fn cfiff( d;fGt
shf{
v/Lb tyf l*isfpG^
:jb]zL
ljj/)f
ul/Psff ljn
k|f=If]=
ljldt
1= ;lqmo shf{ ;fk^- Performing_
c;n
cGo
cljldt
ljb]zL
1,69,98,470
5,05,36,443
2,45,91,66,553
1,69,98,470
5,05,36,443
13,185
2= lg:qmo shf{ ;fk^- Non Performing_
hDdf
:jb]zL
2,52,67,01,466
2,45,91,66,553
2,52,67,01,466
3,43,46,193
3,43,59,378
8
ljb]zL
2=1 k'g{;+/rgf / k"gtf{lnsLs/)f
2=2 sd;n
2=3 z+sf:kb
13,185
2=4 v/fj
-s_ s'n shf{ - 1 + 2_
3,43,46,193
1,70,11,655
5,05,36,443
2,49,35,12,746
2,45,91,666
3,43,46,193
13,185
Dd
-
2,56,10,60,844
4
3= shf{ gf]S;fgL Aoj:yf

42,496
5,05,364
3=3 sd;n
3=4 z+sf:kb
1,71,73,096
3,296
3=1 c;n
3,296
3=5 v/fj
45,792
-v_ s'n Aoj:yf
1,71,73,096
-
5,05,364
2,51,39,526
4,17,64,762
4,23,15,919
9
4= ut jif{;Ddsf] Aoj:yf
cg";'rL 4=14

l:y/ 2,17,235
;DklQ
-u_ ut jif{;Ddsf] s"n Aoj:yf
7,488
-#_ ut cf=j=sf] Aoj:yfaf^ lkmtf{
-2068
;fn cfiff(
d;fGt_
,66,75,566
2,29,310
38,305
2,88,129
2,55,43,230
2,58,69,663
o; jif{sf] vb yk#^
38,305
2,88,129
2,53,13,920
2,56,40,353
;DklQ
kl/jxg 5,00,31,078
1,69,65,863
v_
ejg
;fwg
sfof{no
2,45,17,47,984
d]lzg/L
;fdfg
cGo
o; jif{
2,51,87,44,925
?=
ut- jif{ ?=
k/ndf]n
-s_ ut jif{sf] df}Hbft
1,54,36,240
2,84,28,482
60,91,648
4,99,56,370
2,81,59,870
-v_ o; jif{ yk
17,52,500
88,06,601
14,47,271
1,20,06,372
2,29,96,500
-u_ o; jif{ k"g/d'Nofg / k'gn]{vg
-#_ o; jif{sf] ljqmL
-_ o; jif{sf] ckn]vg
s'n -s +v+u+#+_k/ndf]n 2=
o; jif{sf] yk Aoj:yf
vb ljj/)f
shf{ -s
1=
,64,50,842
1,71,88,740
3,72,35,083
75,38,919
12,00,000
-
6,19,62,742
4,99,56,370
|f; sL
-s_ ut jif{;Ddsf]
28,91,806
78,54,782
13,85,965
1,21,32,554
46,62,259
-v_ o; jif{sf]
28,15,479
67,30,025
9,53,078
1,04,98,582
77,16,961
-u_ |f;sL k'g/d'Nofg/k'gn]{vg
-u_ |f;sL /sd ;dfo]]fhg/lkmtf{
2,46,667
s'n |f; sL -
57,07,285
1,45,84,807
23,39,043
2,26,31,136
1,21,32,554
a"s Eofn' - WDV_-1-2_
1,14,81,455
2,26,50,275
51,99,876
3,93,31,606
3,78,23,816
4=
hUuf
5=
k'hLut lgdf{)F -k'hLs/)F ul/g' kg]{_
6=
nLh xf]N* ;DklQ
3=
hDdf -3 +4+5+6_ -
1,14,81,455
2,26,50,275
51,99,876
1,44,20,415
1,53,77,422
5,37,52,021
5,32,01,238
#!
cg";'rL 4=15

u}/ a}+ls ;DklQ
C)fL jf kf^L{sf]
u}/ a}+ls ;DklQ
gfd &]ufgf
-
;sf/ u/]sf] ldlt ;DklQ /sd ?=

-
s"n hDdf
gf]S;fgL Aoj:yf
s'n u}/ a}+ls
k|ltzt
-
v'b u}/ a}+ls
ut jif{
;DklQ ?=
-
?=
-
/sd ?=
-
cg";'rL 4=16

cGo ;DklQ
ljj/)f
1=
d;nGb df}Hbft
2=
nufgLdf c;'n ug{ afls cfDbfgL
3=
shf{df c;'n ug{ afls Jofh

Go"g Jofh d'NtjL /sd
4=
c;'n ug{ afls sldzg
5=
;G*L *]^;\{
6=
sd{rf/L ;fk^L / k]ZsL
7=
clu|d e"QmfgL
o; jif{ ?=
73,77,159
(51,31,509)
ut jif{ ?=
8,72,168
5,91,700
1,36,38,856
8,95,607
22,45,650
23,30,545
2,50,061
2,02,49,528
1,11,82,401
43,06,361
20,93,089
8=
dfu{:y gub
9=
dfu{:y cGo -r]s ;d]t_
6,57,310
10,64,903
10= ljgf ;"rgf *fkm\^sf] e"QmFgL
78,85,249
11= ckn]vg x'g afls vr{
56,51,731
11=1 z]o/ lg:sfzg vr{
36,45,085
14,25,000
11=2 ;km\^j]o/ vr{
42,40,164
42,26,731
12= zfvf ldnfg lx;fj
13= :yug s/ ;DklQ
17,53,777
7,56,006
14= cGo
41,53,168
27,62,675
3,10,000
2,34,000
14=1 ;]So"l/l^ l*kf]lh^

14+=2 cGo k|fKt ug'{kg]{
hDdf
38,43,168
25,28,675
5,80,92,613
2,52,48,173
cg";'rL 4=16 -s_

cGo ;DklQ -yk ljj/0f_
o; jif{ ?=
ljj/)f
1= shf{df c;"n ug{ afls Jofh
2= ljgf ;"rgf *fkm\^sf] e'QmfgL
1 jif{b]lv dfly
3 jif{ eGbf
jif{ ;Dd
3 jif{;Dd
dfly
73,77,159
-
hDdf
ut jif{
?=
73,77,159
-
3,52,350
-
3= zfvf ldnfg lx;fj
4= :jb]zL tyf ljb]zL Ph]G;L lx;fj
#@
Hof]lt lasf; a}+s lnld6]8
cg";'rL 4=17
;Defljt bfloTjx?
ljj/)f
1=
2=
o; jif{ ?=
3=
4=
Dofb gfl# g;s]sf] Uof/]G^L/a)*
5=
6=
7=
8=
9=
10=
11=
12=
13=
14=
15=
-s_ la* a)*

-v_ k/km/d]G; a)*
-u_ cGo Uof/]G^L/a)*
r'Qmf jf e'QmfgL x'g afls z]o/ nufgL
km/jf*{ PS:r]~h sG^fS^sf] afls bfloTjx?
sn]S;gdf /x]sf lanx?
d~h'/L tyf ;dy{g-Acceptance & Endorsement_
k|Tofe'lt k|ltj$tf-Underwriting Commitment_
ckl/jTo{ shf{ k|ltj$tf-Irrevocable Loan Commitment_
cGt/f{liô >])fLs[t a}+ssf] sfp)^/ Uof/])^Ldf lbPsf] Uof/])^L
clu|d e"QmfgL Uof/])^L-Advance Payment Guarantee_
shf{ k|jfxsf] nflu ljQLo hdfgt -Financial Guarantee_
cfos/ jfkt ;Defljt bfloTj -Contingent Liabilities on Income Tax_
cGo (Counter Guarantee)
hDdf
ut jif{ ?=
-
;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/sf]

k|lttkqx? -k'/f /sd_
-s_ 6 dlxgf eGbf sd cjlwsf]
-v_ 6 dlxgf eGbf a(L cjlwsf]
k"gM l*:sfpG^ ul/Psf ljnx?
6,02,08,500
3,62,85,250
26,89,500
5,75,19,000
4,32,64,709
29,79,500
10,64,52,709
3,24,500
3,59,60,750
2,06,29,500
5,69,14,750

Aofh cfDbfgL
cg";'rL 4=18
ldlt 206741 b]lv 2068 cfiff( d;fGt ;Dd

ljj/)f
s=
v=
1=
2=
3=
4=
5=
u_
#_
1=
2=
=
1=
2=
3=
shf{ ;fk^ / clwljsif{df

1=
shf{ ;fk^
2=
clwljsif{
nufgLdf
g]kfn ;/sf/sf] ;'"/IF)fkq
s_
^]h/L laN;
ljsf; C)fkq
v_
u_
/fliô artkq
ljb]zL C)fkq
s_
v_
g]kfn /fi^ a}+ssf] C)fkq
l*j]~r/ tyf a)*
cGt/ a}}]+s nufgLdf Aofh
s_ a}s/ ljlQo ;+:yfx?
v_
cGo ;+:yfx?
Ph]G;L df}Hbftdf
1=
:jb]zL a}+s/ljQLo ;+:yfx?
ljb]zL a}+sx?
2=
dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf
:jb]zL a}+s/ljQLo ;+:yfx?
ljb]zL a}+sx?
cGodf
;l^{lkms]^ ckm l*kf]lh^
cGt/ a}+sljQLo ;+:yf shf{
cGo
hDdf
o; jif{ ?=
34,02,52,123
25,53,69,072
8,48,83,051
2,67,17,730
77,05,937
77,05,937
1,90,11,794
1,90,11,794
3,29,31,496
3,29,31,496
39,99,01,349
ut jif{ ?=
13,44,59,341
10,91,00,942
2,53,58,399
2,66,71,492
10,45,545
10,45,545
2,56,25,947
2,56,25,947
71,50,959
71,50,959
16,82,81,791
##
cg";'rL 4=19

Aofh vr{
ljj/)f
s=
lgIf]k bfloTjdf
1=
d'@tL lgIf]k
2=
3=
1=1
:jb]zL d'b|f
1=2
ljb]zL d'b|f
o; jif{ ?=
ut jif{ ?=
21,72,84,643
7,69,85,831
9,06,54,980
2,11,01,030
9,06,54,980
2,11,01,030
art lgIf]k
7,50,16,626
3,15,08,457
2=1
:jb]zL d'b|f
7,50,16,626
3,15,08,457
2=2
ljb]zL d'b|f
dfu]sf] avt ltg'{kg]{ lgIf]k
5,16,13,037
2,43,76,344
3=1
:jb]zL d'b|f
5,15,76,842
2,43,51,549
3=2
ljb]zL d'b|f
36,195
24,795
4=
;l^{lkms]^ ckm l*kf]lh^;\
v=
shf{ ;fk^df
45,77,588
23,24,320
1=
C)fkq tyf a)*
2=
g]kfn /fi^ a}+saf^ k|fKt shf{
3=
cGt/ a}+s/ljQLo ;+:yf shf{
4=
cGo ;+ul&t ;+:yf
25,259
45,52,329
23,24,320
5=
cGo shf{
u=
cGodf
1=
==================
2=
=================
hDdf
22,18,62,231
7,93,10,151
cg";'rL 4=20

sldzg tyf l8:sfpG6 cfDbfgL
ljj/)f
o; jif{ ?=
ut jif{ ?=
s=
laN; v/Lb tyf l*:sfpG^
1=
:jb]zL
2=
ljb]zL
v=
sldzg
62,58,597
-
19,12,970
-
1=
k|lttkq
2=
hdfgtkq
3=
sn]S;g kmL
4=
/]ld^]G; kmL
3,88,589
2,01,801
83,235
18,87,162
16,27,934
5=
q]ml*^ sf*{
35,03,358
6=
z]o/ k|Tofe"lt/lgisfzg
4,79,488
7=
;/sf/L sf/f]af/ jfkt
8=
O=k|f= sdLzg jfkt
9=
af cfDbfgL
u=
cGo
1= shf{ Aoj:yfkg z'Ns

2= shf{ clu|d e'QmfgL z'Ns
3= shf{ *s'd])^]zg z'Ns
4= cGo
hDdf
#$
2,26,73,874
1,80,56,705
1,85,03,565
1,49,33,656
7,39,913
3,51,736
31,24,750
20,13,500
3,05,645
7,57,813
2,89,32,471
1,99,69,675
cg";'rL 4=21

cGo ;~rfng cfDbfgL
ljj/)f
o; jif{ ?=
ut jif{ ?=
2,71,546
1,51,000
qm]l*^sf*{ lgisfzg tyf gjLs/)f
3=
ATM sf*{ lgisfzg tyf gjLs/)f
6,86,267
3,05,388
4=
^]n]S;/l^=l^=
5=
;]jf z"Ns
2,48,209
27,389
6=
gljs/)f z"Ns
28,18,096
11,38,975
7=
cGo
21,70,634
12,57,401
61,94,753
28,80,153
1=
;]km l*kf]lh^ eN^sf] ef*f
2=
hDdf
cg";'rL 4=22

;6xL 36a9 cfDbfgLgf]S;fg
ljj/)f
o; jif{ ?=
ut jif{ ?=
s_
ljlgdo b/df ePsf] km/saf^
14,794
(2,24,996)
v_
ljb]zL d'b|f sf/f]jf/af^ -af afx]s_
49,697
57,076
64,491
(1,67,920)
hDdf cfDbfgL /-gf]S;fg_
cg";'rL 4=23

sd{rf/L vr{
ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
tna
1,77,49,250
1,10,88,040
2=
eQf
45,20,532
41,50,467
3=
;~rosf]ifdf yk
14,12,769
8,60,133
4=
tflnd vr{
3,92,320
2,30,661
5=
kf]zfs
10,36,000
7,30,000
6=
cf}ifwf]krf/
7=
aLdf
20,82,050
8=
k]G;g tyf pkbfg Aoj:yf
9=
cGo
9=1 bz}+ eQf

9=2 ;+lrt ljbf afkt e'QfgL tyf Aoj:yf
9=4 b}lgs e|d)f eQf
hDdf
8,29,733
6,43,973
28,14,659
21,06,994
15,18,804
8,78,500
9,74,409
10,48,194
350
9=3 Overtime vr{
12,30,929
3,21,095
1,80,300
3,08,37,313
2,10,41,196
#%
cg";'rL 4=24

cGo ;~rfng vr{
ljj/)f
1=
#/ef*f
aQL ljh'nL / kfgL

dd{t tyf ;Def/
-s_
ejg
-v_
;jf/L ;fwg
-u_
cGo
4=
aLdf
5=
kf]i^]h, ^]nS;, ^]lnkmf]g, km\ofS;
6=
sfof{no pks/)f kmlg{r/ / ;Def/
7=
e|d)f eQf / vr{
8=
d;nGb / %kfO{
9=
kqklqsf tyf k':ts
10= lj!fkg
11= sfg"gL vr{
12= rGbf
13= ;~rfns ;ldlt ;DaGwL vr{
-s_
a}&s eQf
-v_
cGo vr{
14= ;fwf/)f ;ef ;DaGwL vr{
15= n]vfk/LIf)f ;DaGwL
-s_
n]vfk/LIf)f z"Ns
-v_
cGo vr{
16= /sd :yfgfGt/)F sldzg
17= :yL/ ;DklQdf ||f; sL
18= k"j{ ;~rfng vr{ ckn]vg
19 z]o/ lgisfzg vr{
20= k|fljlws ;]jf ;f]wegf{
21= dgf]/~hg vr{
22= ckn]vg vr{ -;km\^j]o/_
23= ;'/Iff vr{
24= shf{ ;"/If)f lk|ldod
25= sldzg / l*:sfp)^
26= P;=l;=^L tyf P=^L=Pd= ;+jlGwt vr{x?
27= k/fdz{ z'Ns
28= ckn]vg vr{ -lnhxf]N* _
29= Joj;fo k|j{$g vr{
30= zfvf pb\#f^g vr{
2=
3=
31= cGo
s_ O{Gwg
v_ ;b:otfz"Ns tyf gljs/)f b:t"/
u_ jflif{sf]T;j vr{
#_ z]o/ /lhi^f/ (RTS) z"Ns
_ ljljw -sfof{no vr{ ;lxt_
hDdf
#^
o; jif{ ?=
ut jif{ ?=
84,12,822
16,31,303
9,74,158
3,52,158
6,21,999
12,88,135
37,10,119
13,75,083
3,01,038
33,82,860
86,828
27,13,174
66,000
85,714
6,62,583
4,98,100
1,64,483
5,59,198
5,80,925
4,00,000
1,80,925
1,04,98,582
8,03,577
2,77,428
11,16,567
68,46,788
34,094
1,87,920
64,40,106
10,44,030
8,57,467
1,87,093
6,70,374
11,63,532
22,25,537
8,51,552
1,95,749
24,18,121
41,231
18,10,417
19,100
5,09,393
4,38,000
1,50,893
1,67,474
5,03,045
2,93,400
2,09,645
77,16,961
75,000
2,94,598
8,33,219
42,56,546
-
14,94,491
70,850
43,57,022
10,30,562
5,34,307
10,50,216
1,94,888
39,06,507
6,94,985
8,29,173
48,56,026
21,33,871
5,05,648
8,87,809
70,000
12,58,698
29,03,524
13,06,238
3,11,000
3,22,077
9,64,209
5,79,38,156
4,10,81,873
cg";'rL 4=25

;Defljt gf]S;fgL Aoj:yf
ljj/)f
o; jif{ ?=
ut jif{ ?=
2,58,69,663
98,34,832
1=
shf{ gf]S;fgL Aoj:yfdf ePsf] a[l$
2=
nufgL gf]S;fgL Aoj:yfdf ePsf] a[l$
3=
u}/ a}+ls+u ;DklQ gf]S;fgL Aoj:yf
4=
cGo ;DklQdf ul/Psf] Aoj:yf
2,58,69,663
hDdf
98,34,832
cg";'rL 4=26

u}/ ;+rfng cfDbfgL gf]S;fgL
ljj/)f
o; jif{ ?=
ut jif{ ?=
1=
nufgL laqmLaf^ cfDbfgL/-gf]S;fg_
2=
;DklQ laqmLaf^ cfDbfgL/-gf]S;fg_
1,56,667
3=
nfef+z
4=
g]kfn /fi^ a}+saf^ k|fKt ;x'lnot
s=
tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{
v=
Jofh Ifltk"lt{
u=
;^xL sfpG^/
5=
cGo
1,56,667
v"b u}/ ;+rfng cfDbfgL /-gf]S;fg_
cg";'rL 4=27

;Defljt gf]S;fgL Aoj:yfaf6 lkmtf{
ljj/)f
o; jif{ ?=
ut jif{ ?=
2,29,310
u}/ a}+ls+u ;DklQ gf]S;fgL Aoj:yfaf^ lkmtf{
3=
nufgL
4=
cGo ;DklQsf] Aoj:yfaf^ lkmtf{
2,29,310
1=
shf{ gf]S;fgL Aoj:yfaf^ lkmtf{
2=
Aoj:yfaf^ lkmtf{
hDdf
#&
ljj/)f
o; jif{ ?=
ut jif{ ?=
m=;+=
2,29,310
hDdf
2,29,310
hDdf
cg";'rL 4=28
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL vr{

ljj/)f
o; jif{ ?=
ut jif{ ?=
-
1=
ckn]vg ePsf] shf{sf] c;'nL
2=
:j]lR%s cjsfz vr{ ljj/)f
o; jif{ ?=
ut jif{ ?=
2,875
3=
c;'nL x'g g;Sg] shf{{sf] ckn]vg-4=28s_
4=
cGo vr{/cfDbfgL
5=
=======================
2,875
hDdf
hDdf
cg";'rL 4=28-s_
2,875
ckn]lvt shf{sf] ljj/0f
(cfly{s jif{( 2067/068_

ckn]vg
qm=;+=k|sf/
shf{
shf{ k|s
f/
ul/Psf]
qm=;+=
/sd
shf{ k|s
f/
1=
2=
3=
4=
rfn" k"+hL shf{

kl/of]hgf shf{
l:y/ k"+hL shf{
JolQmut shf{
5=
cGo shf{
ckn]
vgsf]
lwtf]
ul/Psf]
k|s
ckn]
vf/
g
/sd
tyf /sd
ul/Psf]
/sd
-
2,875
lwtf]wtf]
sf]
k|
sf/sgf]sf]
"Nofs+
lwtf]
tyfcfwf/
/sd
k|sf/
tyf /sd
lwtf]
hf{ :jLs[t
d"Nofs+
sf]
g]{ gclwsf/L
wtf]
cfwf// tx
"Nofs+g
sf]
cfwf/
;jf/L ;fwg
shf{ :jLs[shf{
t
g]{ clwsf/L
c;'nLsf
lkmot
nflu eP u/]sf
/ tx -
sf]^]zg
c;'nLsfshf{
ug]hf{
{ clwsf/L
sf
nflu
:jLs[
t eP u/]sfnflu
shf{ ePc;'u/]
nLsf
/ tx
k|of;
k|of;
k|of;
k|d'v sfo{sf/L clws[t
s}lkmot
lkmot
k^s k6s,
k^s, kmf]
kmfg]
k6s
g,, Od]
Od]nn tyf
tyf
kq
kq dfkm{
dfkm{tt aSof}
aSof}{ttff ;f+
;f+jjff tyf
tyf
Aofh ltg{ tfs]tf ul/Psf],
Aofh
ltg{ tfs]tf ul/Psf], tt\
tt\kZrft lnnfdL ;"rgf
kZrft
lnnfdL ;"rgf k|sflzt
k|sflzt ul/Psf]df s;}af^
ul/Psf]
d
f s;}af6 lnnfdLdf
lnnfdLdf ;xefuL gePsf]n]
;xefuL
no
a}+n] sfof}ngePsf]
o k|of]n
h] gsfsfof{
nflu
k|o;sf/]
f]hgsf
nflu
a}
s
+
cfkm}
sf] / p&g\ g;s]sf] n]
g ul/Psf]
;sf/]af+ssf]L ckn]
/ vp7g\
g;s]sf]
afFsL
ckn]vg
ul/Psf]
s'n shf{
2,875
sn shf
cg";'rL 4=29
sn shf
;+rfns, sfo{sf/L k|d'v,;+:yfks, sd{{rf/L z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f
v/Lb tyf l8:sfpG6 ul/Psf lanx? / shf{, ;fk6 tyf clwljsif{df k|jflxt s"n /sddWo] ;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L,z]o/xf]N8/x?
/ lghsf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf jf d}g]lh Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .
;+:yfks/;+~rfns/sfo{sf/L
ut jif{;Ddsf] afls
k|d"vsf] gfd
;fjf
Jofh
s_ ;~rfns
;+:yfks1=;+~rfns sfo{sf/L
ut jif{;
- Ddsf] afls-ls
k|2=dvsf]
gfd sfo{sf/L
;fut
jf -jif{;Ddsf]
Jofhaf
;+:yfks
;+~rfns
v_ sfo{s
f/L
k|
d
'
v
k|dvsf] gfd
;fjf
Jofh
1=
2=
u_ ;+:yfks
1=
2=
#_ sd{rf/L
1=
2=
_ z]o/ wgLx?
1=
2=
hDdf
-
#*
o; jif{ c;'nL
;fjf
Jofh
o; jif{
yk shf{
cfiff( d;fGt;Dd afsL

;fjf
Jofh
;- jif{ c;nL fjf - ; jif{ ofh

c;nL
fjf
ofh
; jifyk shf
; - jif
yk shf
cfiff( -d;fGt;Dd afsL- sL

;fcfiff(
jf - d;fGt;Dd
ofh af
;fjf
ofh
hDdf
cg";'rL 4=30

k'hLsf]if tflnsf
(2068 cfiff( d;fGt_
ljj/)f
s_
k|fylds k'hL
1_ r'Qmf k'hL -;fwf/)f z]o/_
o; jif{ ?=
ut jif{ ?=
75,87,19,704
46,88,61,627
74,00,00,000
44,80,00,000
2_ k|:tfljt jf]g; z]o/
3_ z]o/ lk|ldod
4_ lkmtf{ gx'g] cu|flwsf/ z]o/

5_ ;fwf/)f hu]*f sf]if
1,78,12,419
52,16,047
27,98,593
1,63,14,574
6_ ;l~rt gfkmf/-gf]S;fg_
7_ jf;nftdf b]vfO{Psf] rfn' cf=j=sf] gfkmfgf]S;fg lx;fjsf /sd
8_ k'hL lkmtf{ hu]*f sf]if
9_ k'hL ;dfof]hg sf]if
10_ sn Og P*efG;
11_ cGo :jtGq sf]ifx?
17,53,777
12_ :yug s/ hu]*f
7,56,006
#^fpg]M
- Voflt(Goodwill)jfktsf] /sd
- ;LdfeGbf a(L nufgL ul/Psf] /sd
- ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd

36,45,085
- cjf:tljs ;DklQ(Fictitious Assets)

-o; a}ssf] lgb}{zg kfngf gu/L l:y/ ;DklQ vl/b u/]sf] /sd
14,25,000
-olb % eg]_
- ;Ldf eGbf a(L cfjf; ejg lgjf{)f tyf hUuf ljsf;df
- tf]lsPsf] ;doleq ljqmL ljt/)f ug{ g;s]sf] z]o/ k|Tofe"lt
-k||rlnt P]g tyf sfg"gn] k|ltaGw u/]sf JolQm tyf ;d"xx?nfO{
k|bfg
v_
u/]sf] shf{ tyf ;'lawfx?
k'/s k'hL
1_ c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Aoj:yf
2,51,43,225
1,64,46,255
2,51,39,526
1,64,46,255
2_ cltl/Qm shf{ gf]S;fgL Aoj:yf
3_ xfOla|* k"hL pks/)fx?
4_ ;'/If)f g/flvPsf] ;xfos cfjlws C)F
5_ ;^xL ;lds/)f sf]if
3,699
6_ ;DklQ k'g/d"Nofg sf]if
7_ nufgL ;dfof]hg sf]if
u_
hDdf k'hLsf]if -s +v_
#_
hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k'hLsf]if
78,38,62,929
48,53,07,882
k'hL sf]if
-11=00 k|ltzt_
31,00,37,161
20,26,14,658
k|fylds k'hL
-5=50 k|ltzt_
15,50,18,581
10,13,07,329
k'hL sf]if -clws/Go"g_ -16=81 k|ltztn] clws_
47,38,25,768
28,26,93,224
k|fylds k'hL -clws/Go"g_ -21=42 k|ltztn] clws_
60,37,01,124
36,75,54,298
#(
cg";'rL4=30-s_

hf]lvd efl/t ;DklQ ljj/0f tflnsf
(2068 cfiff( d;fGt_
jf;nft adf]lhdsf] ;DklQ
(On-Balance-sheet Assets)
ut jif{
o; jif{
hf]lvd efl/t
ef/
;DklQ
/sd
3,45,80,015
hf]lvd efl/t
/sd
;DklQ
1,56,63,528
gub df}Hbft
;'g-ljlgdoof]Uo_
g]kfn /fi^ a}+sdf /x]sf] df}Hbft
13,84,79,540
g]kfn ;/sf/ C)fkqdf u/]sf] nufgL
12,72,43,138
g]kfn /fi^ a}+s C)fkqdf u/]sf] nufgL

cfkm\g} d'@tL /;Lbsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg u/]sf]
d'@tL /;Lb lwtf] shf{
2,18,84,065
62,33,595
10,53,000
;/sf/L C)fkqsf] lwtf]df k")f{ ;'/lIft x'g] u/L

-
15,52,079
46,00,000
20
2,19,43,554
k|bfg u/]sf] shf{
art kqsf] kfpg"kg]{ Aofh /sd (Accrued Interest)
ljkGg ju{ shf{ cGtu{t u)fgf x'g] o"jf tyf ;fgf Joj;foL
:j/f]huf/ sf]ifdf v / u ju{sf Ohfhtkq k|fKt ;+:yfn] hDdf
u/]sf] /sd
:jb]zL
a}+s tyf ljQLo ;+:yfx?df df}Hbft /d'@tL /l;bsf] bfjL
(Claims)
43,88,711
46,00,000
17,79,159
3,55,832
cGo a}+s tyf ljQLo ;+:yfx?sf] d'@tL /;Lbsf] lwtf]df k")f{

;'/lIft x'g] u/L k|bfg ul/Psf] d'@tL /;Lb lwtf] shf{
20
ljb]zL a}+sx?df /x]sf] df}Hbft
20
dfu]sf] avt k|fKt x'g] /sd -Money at Call_

cGt/f{liô >])fLs[t-Rated ) Ohfhtkqk|fKt ;++:yfsf]
20
35,40,65,712
7,08,13,142
37,06,89,617
7,41,37,923
Uof/])^Ldf
uPsf] shf{
20
cGt/f{liô >])fLs[t -Rated_ a}+sdf u/]sf] cGo nufgL
20
20
11,00,00,000
2,20,00,000
4,00,00,000
80,00,000
z]o/,l*j]~r/ Pj+ a)*df ePsf] nufgL
100
1,00,000
1,00,000
1,00,000
1,00,000
cGo nufgLx?
100
shf{, ;fk^ tyf ljN; v/Lb/ l*:sfpG^ ;d]t
100
2,53,45,76,778
2,53,45,76,778
1,64,21,36,146
1,64,21,36,146
l:y/ ;DklQx?
100
5,37,52,021
5,37,52,021
5,32,01,238
5,32,01,238
cGt/ a}s ;k^L
kfpg"kg]{ cGo v"b Aofh /sd
100
cGo ;a} ;DklQx? -v"b cu|Ld s/ bfvLnf afx]s_
100
;Ldf gf#]sf] l/on :^]^ / cfjf;Lo #/ shf{
150
5,65,40,534
3,45,93,17,437
(s_ hDdf
5,65,40,534
2,74,21,71,187
895,607
2,43,52,566
2,16,07,04,456
895,607
2,43,52,566
1,80,31,79,312
v=jf;nft jflx/sf] sf/f]jf/ - Off -balance sheet Items)

0
clu|d ljb]zL ljlgdo ;Demf}tf
10
6 dlxgf eGbf sd cjlwsf] k|lttkq -k'/} /sd_
20
aLN; sn]S;g
20
6 dlxgf eGbf a(L cjlwsf] k|lttkq -k'/} /sd_
50
lj*a)*,k/km/d]G; aG* / k|Tofe"lt-underwriting_ ;DalGw
50
Uof/])^Ldf hf/L
ul/Psf] Uof/])^L
6,02,08,500
-
3,01,04,250
-
3,62,85,250
-
1,81,42,625
-
k""g=vl/b ug]{ zt{df laqmL u/]sf] shf{
100
clu|d e'QmfgL Uof/])^L -Advance payment Guarantee)
100
4,32,64,709
4,32,64,709
ljQLo hdfgt tyf cGo hdfgt-Financial and other Guarantee)
100
29,79,500
29,79,500
ckl/jTo{ shf{ k|lta$tf-Irrevocable Loan Commitment)
100
cfos/ jfkt ;Defljt bfloTj
100
Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx?

(v_ hDdf
s'n hf]lvd efl/t ;DklQ
$)
-s_ +-v_
100
2,06,29,500
2,06,29,500
10,64,52,709
7,63,48,459
5,69,14,750
3,87,72,125
3,56,57,70,146
2,81,85,19,646
2,21,76,19,206
1,84,19,51,437
cg";'rL 4=31

k|d"v ;"rsf
sDtLdf ljut 5 jif{sf] kl/;"rsx?
ljj/)f
;"rsf
1=
v'b gfkmf/s'n cfDbfgL k|ltzt
k|ltzt
2=
k|lt z]o/ cfDbfgL (Weighted Average)
?=
3=
k|lt z]o/ ahf/ d"No
?=
4=
d"No cfDbfgL cg'kft-PE Ratio_
cg'kft
5=
z]o/ k"hLdf nfef+z -jf]g; ;lxt_
k|ltzt
6=
z]o/ k"hLdf gub nfef+z e'QmfgL
k|ltzt
7=
Jofh cfDbfgL/shf{ tyf ;fk^
k|ltzt
8=
sd{rf/L vr{ / s'n ;~rfng vr{
k|ltzt
9=
s'n lgIf]k tyf ;fk^Ldf Jofh vr{
k|ltzt
10= ;^xL #â^ cfDbfgL/s'n cfDbfgL
k|ltzt
11= sd{rf/L af]g;/s'n sd{rf/L vr{
k|ltzt
12= v'b gfkmf/shf{ ;fk^
k|ltzt
13= v'b gfkmf/s'n ;DklQ
cg'kft
14=1 s'n shf{/lgIf]k
k|ltzt
14=2 s'n shf{/lgIf]k - g]= /f= a}+ssf] lgb]{zg cg';f/_
k|ltzt
15= s'n ;~rfng vr{/s'n ;DklQ
k|ltzt
cf=j
cf=j
cf=j
cf=j
cf=j
)^#.^$
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
)^$.^%
)^%.^^
)^^.^&
)^&.^*
-
-
-
-
-
-
-
-
-
3298.44%
--10.32%
10.32%_
(1.46)
13.63%
7.68
14.48%
9.33
104.00
11.15
8.50%
4.31%
12.72%
15.42%
35.44%
33.87%
34.74%
2.55%
6.40%
10.61%
0.04%
0.00%
0.01%
17.22%
29.13%
0.55%
2.56%
6.19%
0.34%
1.22%
1.84%
99.40%
102.50%
100.17%
65.05%
79.57%
77.44%
3.04%
2.90%
2.60%
36.11%
25.45%
26.92%
16= hf]lvd efl/t ;DklQdf k"hLsf]ifsf] kof{Kttf

s_
k|fylds k"hL
k|ltzt
v_
k"/s k"hL
k|ltzt
u_
s'n k"hLsf]if
k|ltzt
17=
t/ntf -CRR_
cg'kft
18=
lgis[o shf{/s'n shf{
k|ltzt
19=
Jofh b/ cGt/-Weighted Averange interest Rate Spread)
20=
a's g]^jy{
?= xhf/df
21=
s'n z]o/
;+Vof
22=
s'n sd{rf/L
;+Vof
3298.44%
-
0.67%
0.89%
0.89%
36.79%
26.35%
27.81%
5.76%
6.77%
6.10%
0.06%
1.34%
6.03%
5.28%
2,56,643
3,67,370
4,68,862
7,58,723
25,90,000 44,80,000
74,00,000
120
155
25,90,000
9
55
$!
k|d'v n]vf gLltx
cg';"rL $=#@
!=
;fdfGo hfgsf/L
Hof]lt ljsf; a}+s lnld6]8 sDkgL P]g, @)^# cGtu{t :yflkt ;Lldt bfloTj /x]sf] sDkgL xf] / o;nfO{ a}+s
tyf ljQLo ;+:yf ;DaGwL P]g, @)^# cGtu{t g]kfn /fi6 a}+sn] v ju{sf] /fli6o :t/sf] ljQLo ;+:yfsf]
Ohfhtkq k|bfg u/]sf] 5 .
@=
n]vfsf cfwf/x
k|:t't ljQLo ljj/0fx g]kfn n]vfdfg af]8{af6 hf/L ul/Psf g]kfn n]vfdfg -cGoyf pNn]v u/]sf]df afx]s_
;j{dfGo n]vf l;4fGtx, sDkgL P]g, @)^#, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# / g]kfn /fi6 a}+saf6
hf/L u/]sf lgb]{lzsfx ;d]tnfO{ cfwf/ dfgL tof/ kfl/Psf] 5 .
#=
k|d'v n]vf gLltxsf] ;f/f+z

ljQLo ljj/0fx tof/ ubf{ ckgfPsf k|d'v n]vfgLltx b]xfo adf]lhd /x]sf 5g\ . cGoyf pNn]v u/]sf]df
afx]s oL gLltx k|To]s jif{ lg/Gt/ kdf ckgfOPsf] 5 .
3.1
P]ltxfl;s nfut cjwf/0ff (Historical Cost Concept)

k|:t't ljQLo ljj/0fx g]kfnL k}+ofdf / cGoyf pNn]v u/]sf]df afx]s P]ltxfl;s nfut cjwf/0ff
cg';f/ tof/ ul/Psf] 5 .
3.2
l:y/ ;Dklt tyf xf; sL

#=@=! l:y/ ;Dkltsf] P]ltxfl;s d"Noaf6 xf; sLsf] /sd 36fO{ b]vfOPsf] 5 .
#=@=@ l:y/ ;Dkltsf] cg'dflgt cfo'sf] cfwf/df xf; sLsf] nflu lgDg b/xdf 36\bf] d"No k|0ffnLdf
(Written Down Value Method) ul/Psf] 5 .
;DklQ
xf; sL b/
kl/jxg ;fwg
@)
sfof{no ;fdfg
@%
kmlg{r/ tyf lkmSr/
@%
lnhxf]N8
@%
xf; sL ubf{ k'if d;fGt;Dd vl/b ul/Psf ;DklQnfO{ k"/f, df3 b]lv r}q d;fGt;Dd vl/b
ul/Psf ;DklQdf b'O{ ltxfO{ / a}zfv b]lv cfiff9 d;fGt;Dd vl/b ul/Psf ;DklQnfO{ Ps ltxfO{
xf; sL ul/Psf] 5 .
#=@=# sDKo"6/ ;km\6j]o/nfO{ cg'dflgt pkof]lutf cjlw (vl/b u/]sf] ldltn] % jif{) ;Dd ;dfg
ls:tfdf vr{ n]Vg] ul/Psf] 5 .
3.3
$@
cfos/ Joj:yf
#=#=! jt{dfg cfos/
cfos/ P]g, @)%* tyf ;+zf]lwt lgodfjnLsf Joj:yfx cg';f/ k|rlnt s/sf] b/n] u0fgf u/L
cfos/sf] Joj:yf ul/Psf] 5 .
#=#=@ :yug s/
ljQLo ljj/0fdf pNn]lvt ;Dklt tyf bfloTjsf] /sd / s/of]Uo cfo lgwf{/0f ubf{ ;f]sf] s/
cfwf/ aLrsf] c:yfoL cGt/df :yug s/ lgwf{/0f u/L jf;nft bfloTj k|0ffnL (Balance Sheet
Liability Method) k|of]u u/L n]vfg ul/G5 .
;fdfGotofM ;a} s/of]Uo c:yfoL cGt/xnfO{ :yug s/ bfloTj (Deferred Tax Liability) / ;a}
s/5'6 c:yfoL cGt/x pkof]u ug{ ;lsg] ;Defljt s/of]Uo cfo;Dd :yug s/ ;Dkltdf
(Deferred Tax Assets) n]vfg ul/Psf] 5 .
3.4
nufgL
lwtf]kq ljlgdo ahf/df ;"lrs[t z]o/, l8j]Gr/ tyf cGo lwtf]kqxdf ePsf] nufgLnfO{ k/n d"No jf
ahf/ d"No h'g sd x'G5 ;f]xL cg';f/ d"Nofg ug]{ ul/Psf] / ;"lrs[t gePsf nufgLnfO{ k/n d"Nodf
d"Nofg ug]{ ul/Psf] 5 . nufgLsf] ahf/ d"No k/n d"No eGbf sd x'g uPsf] cj:yfdf ;Defljt
hf]lvd Joxf]g{ gf]S;fgL Joj:yf ul/Psf] 5 .
3.5
ljb]zL d'b|f sf/f]af/

#=%=! jf;nftsf] ldltdf /x]sf ljb]zL d'b|f ;DklQ tyf bfloTjxnfO{ ;f]xL ldltsf] vl/b b/n]
kfGt/0f ul/Psf] 5 .
#=%=@ ljb]zL d'b|f sf/f]af/df vl/b tyf las|L b/sf] cGt/af6 ePsf] cfonfO{ vl/b las|Laf6 x'g]
cfDbfgL (Trading Gain) / ljb]zL d'b|fsf] k'gd"{Nofgaf6 x'g] cfDbfgL / gf]S;fgLnfO{ gfkmf
gf]S;fg lx;fadf k'gd"{Nofg cfDbfgLgf]S;fgL (Revaluation Gain/Loss) cGtu{t n]vfg
ul/Psf] 5 .
#=%=# g]kfn /fi6 a}+sn] hf/L u/]sf] lgb]{zg cg';f/ k'gd"{Nofg cfDbfgLsf] @% k|ltzt ;6xL 36a9
sf]ifdf ;fg]{ Joj:yf ul/Psf] 5 .
3.6
u}/ a}ls ;DklQ

a}+ssf] cf=j= @)^&^* ;Dd s'g} u}/ a}ls ;DklQ g/x]sf] ePtf klg a}+sn] g]kfn /fi6 a}+ssf] lgb]{zg
cg'k u}/ a}ls ;DklQsf] n]vfg ug]{ gLlt lnOPsf] 5 .
3.7
k"FhLs[t gul/Psf ;DklQ

?= @,))) -b'O{ xhf/_ ;Ddsf] k"FhLut k|s[ltsf ;fdfgxnfO{ vl/b ul/Psf] jif{d} gfkmf gf]S;fg lx;fadf
vr{ n]lvPsf] 5 .
3.8
Aofh u0fgf ul/g] cfwf/

shf{ ;fk6df lng'kg]{ Aofh / lgIf]k vftfxdf lbg'kg]{ Aofh u0fgf ubf{ #^% lbgnfO{ Ps jif{sf] cfwf/
dflgPsf] 5 .
3.9
cfDbfgL / vr{sf] n]vfg

#=(=! Pq'mcn cfwf/ (Accrual Basis) df
s_ lgIf]k tyf ;fk6L bfloTjsf] Aofh vr{
v_ nufgLsf] Aofh cfDbfgL /
u_ cGo vr{x
$#
#=(=@ gub k|flKt cfwf/ (Cash Basis) df

s_ g]kfn /fi6 a}+ssf] lgb]{zg cg'k shf{ tyf ;fk6sf] Aofh cfDbfgLnfO{ gub k|flKt cfwf/df
cfDbfgL hgfO{Psf] 5, h'g g]kfn n]vfdfg & cg'k 5}g . ;f] n]vfdfg cg';f/ Aofh
cfDbfgLnfO{ Pq'mcn cfwf/ (Accrual Basis) df hgfOG5 .
v_ sldzg tyf z'Ns -kmL_ cfDbfgL tyf vr{x .
3.10
nfef+z cfDbfgL
e'QmfgL k|flKtsf] clwsf/ :yflkt ePkl5sf] nfef+znfO{ cfDbfgLsf] kdf n]vfg ul/G5 .
3.11
shf{ ;fk6, laN; vl/b tyf ;Defljt shf{ gf]S;fgL Aoj:yf

u|fxsxnfO k|bfg ul/Psf] clwljsif{, JolQmut shf{, cfjlws shf{, xfo/ kr]{h tyf ljkGg ju{ shf{
o;df kb{5g\ . ;Dk"0f{ shf{ tyf ;fk6LnfO{ ;do ;dodf k'g/fjnf]sg u/L shf{ ;DaGwL hf]lvdsf]
txsf] cfwf/df / g]kfn /fi6 a}+ssf] lgb]{lzsf cg';f/ jlu{s/0f u/L k|:t't ul/Psf] 5 .
pko'{Qm ;Dk"0f{ shf{, ;fk6L, tyf ljn vl/bsf] /sdnfO{ shf{ gf]S;fgL Joj:yf sf u/L v'b /sddf
b]vfOPsf] 5 .
3.12
kl/zf]wg ul/Psf vr{x

z]o/ lgisfzg vr{nfO{ kfFr jif{sf] cjlwdf kl/zf]wg ug]{ u/L cg';"rL $=!^ cGo ;DklQ df
jlu{s/0f ul/Psf] 5 .
3.13
sd{rf/L shf{ tyf ;fk6L

a}+ssf] sd{rf/L ;]jf zt{ lgodfjnL cGtu{t sd{rf/LxnfO{ k|bfg ul/Psf shf{ tyf ;fk6LnfO{ g]kfn
/fi6 a}+ssf] lgb]{lzsf cg';f/ cg';"rL $=!^ cGo ;DklQ df b]vfOPsf] 5 .
3.14
sd{rf/L pkbfg tyf ;+lrt ljbf Joj:yf

a}+ssf] sd{rf/L ;]jf zt{ lgodfjnL adf]lhd sd{rf/Lxsf] pkbfg /sd tyf ;+lrt ljbf afkt kfpg]
/sd Pq'mcn cfwf/df (Accrual Basis) vr{ n]Vg] gLlt lnOPsf] 5 .
3.15
sd{rf/L cfjf; Joj:yf

>d P]g @)$* cGtu{t sd{rf/L cfjf;sf]ifsf nflu 5'} Joj:yf ug'{kg]{df a}+sn] g} sd{rf/L 3/ ;fk6L
;'lawf k|bfg ul//fv]sf] / cGo ljlQo ;+:yfxn] klg ;f] Joj:yf ug]{ gu/]sf] x'gfn] cfjf; sf]ifsf] nflu
5'} Joj:yf ul/Psf] 5}g .
3.16
sd{rf/L af]g;
sd{rf/L af]g;sf] Joj:yf af]g; P]g, @)#) cg';f/ ul/Psf] 5 .
3.17 ;Defljt bfloTjx
;Defljt bfloTjx jf;nftsf] ;DalGwt cg';"rLdf b]vfOPsf] 5 .
$$
cg';"rL $=##
n]vf ;DaGwL l6Kk0fLx

!=
cfos/ tyf :yug s/ Joj:yf

cfos/ P]g tyf lgodfjnL cg';f/ k|rlnt s/sf] b/n] u0fgf u/L cfos/ afkt ? 2,68,47,354 Joj:yf
ul/Psf] 5 . h; dWo] ?= 2,78,45,125 o; jif{sf] s/ vr{ / aFfsL ?= 9,97,771 :yug s/ cfDbfgL
(Deferred Tax Income) afkt /x]sf] 5 .
:yug s/ ;Dklt tyf bfloTj ljj/0f
(Details of Deferred Tax Asset & Liability)

c:yfoL cGt/ (Temporary Difference)
;DklQ
bfloTj
-s/ ldGxf_
-s/ of]Uo_
61,76,000.59
ljj/0f
l:y/ ;Dklt
z]o/ lgisfzg vr{
labf Joj:yf
pkbfg Joj:yf
v'b /sd
61,76,000.59
36,45,085.07 (36,45,085.07)
s'n c:yfoL cGt/

:yug s/ ;Dklt bfloTj -#) k|ltzt_
ut jif{sf] :yug s/ ;Dklt
o; jif{sf] yk
18,41,302.75
18,41,302.75
14,73,705.82
14,73,705.82
94,91,009.16
36,45,085.07
58,45,924.09
28,47,302.75
10,93,525.52
17,53,777.23
7,56,006.02
9,97,771.21
g]kfn /fi6 a}+ssf] lgb]{zg cg';f/ o; jif{ :yug s/ ;Dkltsf] n]vf+sg af6 cfPsf] /sd ?= 9,97,771.21
nfO{ :yug s/ hu]8f sf]ifdf ;fl/Psf] 5 . ;f] sf]ifsf] /sd :yug s/ afx]s cGo k|of]hgsf nflu k|of]u ug{
kfO{g] 5}g .
@=
lgIf]k bfloTjdf kl/jt{g

ljj/0f
Aofh ltg'{ gkg]{ lgIf]kx
rlNt
dflh{g
Aofh ltg{' kg]{ lgIf]kx
art
d'4lt
dfu]sf] avt ltg'{ kg]{
s'n lgIf]k
ut jif{
o; jif{
?= xhf/df
kl/jt{g
1,25,558.11
1,52,961.42
27,403.31
1,16,910.91
1,41,439.21
24,528.29
8,647.20
11,522.21
2,875.01
14,82,042.50
24,03,664.02
9,21,621.52
5,69,210.38
9,92,055.49
4,22,845.12
4,01,654.54
8,50,281.20
4,48,626.66
5,11,177.58
5,61,327.32
50,149.74
16,07,600.61
25,56,625.44 9,49,024.83
$%
#=
?= xhf/df
?=
shf{ nufgLdf ePsf] kl/jt{g

ljj/0f
ut jif{sf] shf{ nufgL
o; jif{sf] shf{ k|jfx
o; jif{sf] shf{ c;"nL
o; jif{sf] shf{ df}Hbft
16,47,789.15
14,05,609.19
(4,92,337.50)
25,61,060.85
$=
lgIf]k / shf{sf] efl/t cf}ift Jofhb/ cGt/

ljj/0f
k|ltzt
shf{ / ;fk6sf] cf}ift b/
!%=$@
lgIf]ksf] cf}ift b/
!)=&!
cf}ift Jofh b/ cGt/
$=&!
$=
ckn]vg x'g jf+sL vr{

ckn]vg gul/Psf] vr{ ljj/0f
z]o/ lgisfzg vr{
%=
o; jif{ kl/zf]wg ul/Psf] /sd

8,03,576.74
afFsL /sd ?=
36,45,085=07
?= xhf/df
e'Qmflg cjlwsf] cfwf/df ;Dklt / bfloTjsf] jlus/0f

;DklQ
gub df}Hbft
1-90
91-180
181-270
271-365
1 aif{
lbg
lbg
lbg
lbg
eGbf a(L
s"n /sd
34,580
34,580
a}+s tyf ljlQo ;+:yf df}Hbft
1,60,423
1,60,423
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
3,54,066
3,54,066
g]kfn ;/sf/sf] C)F kq
1,27,243
1,27,243
cGt/ a}+s tyf ljlQo ;+:yf shf{
1,10,000
1,10,000
shf{ ;fk^
7,38,825
c;'n ug{ afls Jofh
3,23,097
3,18,821
3,61,373
8,18,945
21,030
25,61,061
21,030
l:y/ ;DklQ
53,752
53,752
cGo ;DklQ
37,168
1,235
1,626
2,296
26,194
68,519
s'n ;DklQ
15,83,336
3,24,332
3,20,446
3,63,670
8,98,891
34,90,674
7,62,368
7,62,368
bfloTj
k'hL tyf hu]*F sf]if
rNtL lgIf]k
43,531
14,510
14,510
14,510
65,900
1,52,961
art lgIf]k
4,58,863
1,52,954
1,52,954
1,52,954
6,40,927
15,58,653
d'@tL lgIf]k
1,07,501
1,71,268
3,76,549
1,06,410
83,284
8,45,011
cGo bfloTj
28,163
99,728
43,790
1,71,680
s'n bfloTj
6,38,057
4,38,461
5,44,013
2,73,875
15,96,268
34,90,674
v'b ljlQo ;DklQ
9,45,278
-1,14,129_
-2,23,567_
89,795
-6,97,377_
;l~rt v'b ljlQo ;DklQ
9,45,278
8,31,149
6,07,582
6,97,377
C)F kqx
$^
^=
&=
*=
(=
!)=
!!=
!@=
!#=
cfgf] ;DklQsf] ;'/If0fdf a}+sn] s'g} C0f ;fk6L lnPsf] 5}g .

u}/ a}ls ;DklQ ljj/0f
a}+sn] cf=j= @)^&^* df xfo/ kr]{h cGtu{tsf] Ps v/fa shf{sf] lwQf]df /x]sf] k]?8'jf uf8Lsf] lnnfdLaf6
shf{ c;"nL k|s[ofdf s'g} kIfaf6 ;xefuL gePsf]n] a}+s cfkm}n] pQm uf8L u}/ a}ls ;DklQsf kdf ;sf/]sf]
/ pQm uf8L a}+ssf] sfo{ ;+rfngsf nflu cfjZos ePsf] x'+bf / pkef]u ug{ ;lsg] ePsf]n] a}+sn] l:y/
;DklQsf kdf lnPsf]n] @)^&^* d;fGtdf a}+ssf] s'g} u}/ a}ls ;DklQ /x]sf] 5}g .
v/fa shf{sf] ckn]vg
a}+sn] cf=j= @)^&^* df xfo/ kr]{h cGtu{tsf] Ps v/fa shf{sf] ?= @,*&%=!) ckn]vg ul/Psf] 5 .
;6xL 36a9 sf]if
cf=j= @)^&^* df ljb]zL d'b|f k'g{d"Nofgaf6 ?=!$,&($=@% nfe ePsf] 5 . g]kfn /fi6 a}+ssf] lgb]{zg
cg';f/ ljb]zL d'b|f k'g{d"Nofg nfesf] @% k|ltztn] x'g cfpg] /sd ?= #,^(*=%^ ;6xL 36a9 sf]ifdf
:yfgfGt/0f ul/Psf] 5 .
sd{rf/L pkbfg tyf ;+lrt ljbf Joj:yf
Pq'mcn cfwf/df (Accrual Basis) of] jif{ sd{rf/L pkbfg Joj:yfdf ?= *,@(,&##=@@ yk ul/Psf] 5 eg]
;+lrt ljbf Joj:yfdf ?= (,$%,*!#=(& yk ul/Psf] 5 .
k|:tfljt nfef+z
;+rfns ;ldltn] r'Qmf k'FhLsf] *=%)% gub nfef+z k|:tfj u/]sf] 5 . ;f] af6 x'g cfpg] ?= ^ s/f]8 @( nfv
g]kfn /fi6 a}+s / jflif{s ;fwf/0f ;efaf6 l:js[lt eO{ ;s]kl5 ljt/0f x'g]5 .
g]kfn /fi6 a}+saf6 hf/L ul/Psf] kl/kq)!)^*^( sf cg';f/ @)^* cfiff9 d;fGt;Dd k|fKt x'g' kg]{
Jofh tyf ;f+jf /sd @)^* >fj0f d;fGt;Dd k|fKt ePdf ;d]t ;f] /sdnfO{ cf=j= )^&.^* df k|fKt eP
;/x dfGg ;lsg]5 eGg] Joj:yf eP cg';f/ @)^* cfiff9 d;fGt;Dd k|fKt x'g' kg]{ Jofh tkm{ @)^* >fj0f
d;fGt;Dddf ?= @@,$%,^$(=&) c;"nL ePsf] 5 / ;f] /sdnfO{ ljlQo ljj/0fdf Aofh cfDbfgL hgfO{ Aofh
d'NtjL lx;fadf ;dfof]hg ul/Psf] 5 .
lgs6td k}ofF tyf k'gMjlu{s/0f
c+sxnfO{ lgs6td k}+ofFdf b]vfOPsf] 5 / o; jif{sf] c+s;+u t'ngf x'g] u/L cfjZostf cg';f/ ut jif{sf]
c+snfO{ k'gM jlu{s/0f ul/Psf] 5 .
$&
cg";'rL 4=34

;+:yfks;+:yfks ;d"xsf z]o/wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo
;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0F
qm=;+
$*
;+:yfks;+:yf
ks ;d"x
cGtu{t kg]{
z]o/wgLsf]
gfd
-
;+:yfkssf] :jfldTjdf
sfod /x]sf] z]o/
s'n lsQf
s'n r'Qmf
;+Vof
k'hLsf]
k|ltzt
-
shf{ ljj/)f
shf{ lnPsf] cGo
a}+sljQLo ;+:yfsf]
gfd
-
shf{ /sd
lwtf]df /x]sf]
z]o/ lsQf
;+Vof
-
s}lkmot
cg";'rL 4=35

n]vf k/LIf0f gePsf] / n]vf k/LIf0f ePsf] t'ngfTds ljQLo kl/0Ffd -cf=j= )^&)^*_
qm=;+=
ljj/)F
1 k'+hL tYff bfloTjx?
1=1
hf/L k'+hL
n]vf
n]vf
km/s
kl/IF)F
kl/IF)F
/sd
k|ltztdf
gePsf]
ePsf]
34,58,004
34,59,317
1,313
7,40,000
7,40,000
83,651
22,368
(61,283)
(73.26) gub nfef+;sf] ;dfof]hgn]
1=2
hu]*f tyf sf]ifx?
1=3
C)fkq tyf aG*
1=4
;fk^L
25,56,625
25,56,625
25,48,475 25,48,475
1=5
lgIF]k
s_ :jb]zL d'b|f
v_ lab]zL d'b|f
8,151
1=6
cfos/ bfloTj
1=7
cGo bfloTjx?
?=xhf/df
km/s x'g'sf] sf/)F
8,151
1,634
1,634
77,728
1,38,689
60,961
gfkmf a(]sf]n] cfos/df a[l$ ePsf]

shf{ gf]S;fgL Aoj:yfdf sdL cfPsf], gub
34,58,004
34,59,317
1,313
2=1
gub / a}+s df}}Hbft
3,07,336
1,95,003
(112,333)
2=2
dfu tyf cNk ;'rgfdf k|fKt x'g] /sd
3,54,066
3,54,066
2=3
nufgL
2=4
v'b shf{ ;fk^ tyf lan vl/b
2=5
l:y/ ;Dklt
2=6
u}/ a}ls ;DklQ
2=7
cGo ;DklQ
2 hDdf ;Dklt
1,27,343
2,37,343 1,10,000
25,61,061
(93)
(0.00)
53,818
53,752
(66)
(0.12) |f;sLdf km/s cfPsf] sf/)f
54,287
58,093
3,806
3,99,825
3,99,901
3=2
Aofh vr{
2,21,862
2,21,862
1,77,962
1,78,039
77
28,716
28,932
217
6,195
6,195
64
64
2,12,937
2,13,231
3=4
cGo ;~rfng cfDbflg
3=5
;^xL #â( cfDbfgL
v_ hDdf ;~rfng cfDbfgL-s= 3=3 3=4 3=5_
7.01 :yug s/sf] ;dfof]hgn]
Aofh cfDbfgL
lkm= sldzg tyf l*:sfp)^
86.38 cGt/a}+s nufgLnfO{ k"gj{lu{s/)f ul/Psf]
25,61,154
3 gfkmf tyf gf]S;fg
s_ v"b Aofh cfDbfgL -3=1 3=2_
(36.55) cGt/a}+s nufgLnfO{ k"gj{lu{s/)f ul/Psf]

-
3=1
3=3
78.43 nfef+;sf] ;dfof]hgn]
77
-
0.02 >fj)f dlxgfdf p&]sf] Jofhsf] ;dfof]hg

0.75 sldzgdf ;dfof]hg
-
293
3=6
sd{rf/L vr{
30,837
30,837
3=7
cGo ;~rfng vr{{
57,875
57,938
63
1,24,225
1,24,455
230
0.75
0.11
||f; sLdf ;dfof]hg
u_ ;Defljt gf]S;fgL Aoa:yf cl#sf] ;+rfng d'gfkmF

-v3=6-3=7_
3=8
;DeflJft gf]S;fgL Aoj:yf
#_ ;~rfng d'gfkmf-u -3=8_

3=9
u}/ ;~rfng cfDbfgL gf]S;fgL
3=10
;DeflJft gf]S;fgL Aoj:yfaf^ lkmtf{
_ lgoldt sf/f]af/af^ ePsf] d'gfkmf -# +3=9+3=10_

3=11
c;FdfGo sf/f]af/af^ ePsf] d'gfkmf vr{
r_ sd{rf/L af]g; / s/ cl#sf] d'gfkmf- 3=11_

3=12
3=13
sd{rf/L af]g; Aoj:yf

cfos/ Aoj:yf
%_ v'b d'gfkmf gf]S;fg -r 3=12 3=13_
27,795
25,870
(1,926)
96,430
98,586
2,156
96,430
-
(6.93) shf{ gf]S;fgL Aoj:yfdf ;dfof]hg

2.24
229
229
98,815
2,385
(3)
-#_
96,430
98,812
2,382
8,766
8,983
217
26,299
26,847
548
61,364
62,982
1,617
2.47
2.47
2.47 gfkmf a(]sf]n] sd{rf/L af]g;df a[l$
2.08 cfos/df a[l$, :yug s/sf] ;dfof]hg
2.64
$(
cg";'rL 4= c

n]vf kl/IF0fk"j{ rf}yf] q}df;sf] kl/0Ffd
?=xhf/df
qm=;+
ljj/)f
o; q}df;sf]
cl#Nnf]
ut jif{sf]
q}df;sf]
o;} q}df;sf]
34,58,004
35,14,625
21,60,704
7,40,000
7,40,000
4,48,000
83,651
65,018
22,287
C)fkq tyf a)*
1=5
;fk^L
50,000
1=6
lgIf]k
k'hL tyf bfloTjx?
1=1
hf/L k'hL
1=2
hu]*f tyf sf]ifx?
1=3
sn Og P*efG;
1=4
25,56,625
26,12,121
16,07,601
s_ :jb]zL d"b|f
25,48,475
26,03,946
16,02,117
v_ ljb]zL d"b|f
8,151
8,175
5,484
1=7
cfos/ bfloTj
1=8
cGo bfloTjx?
77,728
97,486
31,867
950
hDdf ;DklQ
34,58,004
35,14,625
21,60,704
2=1
gub / a}+s df}}Hbft
3,07,336
3,54,710
23,676
2=2
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
3,54,066
4,07,609
4,10,690
2=3
nufgL
2=4
v'b shf{ ;fk^ tyf lan vl/b
2=5
l:y/ ;DklQ
2=6
u}/ a}ls ;DklQ
2=7
cGo ;DklQ
gfkmf tyf gf]S;fg
1,27,343
1,27,433
100
25,61,154
25,06,735
16,47,789
53,818
53,128
53,201
54,287
o;
65,010
cl#Nnf]
q}df;;Dd
25,248
ut jif{sf]
q}df;;Dd
o;} q}df;;Dd
3=1
Jofh cfDbfgL
3,99,825
2,78,535
1,68,282
3=2
Aofh vr{
s_ v"b Jofh cfDbfgL -3=1 3=2_
2,21,862
1,55,883
79,310
1,77,962
1,22,652
88,972
3=3
lkm, sldzg tyf l*:sfpG^
28,716
25,466
19,970
3=4
cGo ;+rfng cfDbfgL
6,195
3,778
2,880
3=5
;^xL #â( cfDbfgL

v_ hDdf ;+rfng cfDbfgL -s+ +3=3+3=4+3=5_
64
39
(168)
2,12,937
1,51,936
1,11,654
3=6
sd{rf/L vr{
30,837
21,455
21,041
3=7
cGo ;+rfng vr{
57,875
42,447
41,082
1,24,225
88,034
49,530
;Defljt gf]S;fgL Aoj:yf
27,795
20,885
9,835
#_ ;+rfng d'gfkmf-u 3=8_
96,430
67,149
39,696
u_ ;Defljt gf]S;fgL Aoj:yf cl#sf]] ;+rfng d'gfkmf

3=8
3=9
u}]/ ;+rfng cfDbfgL gf]S;fg
3=10
;Defljt gf]S;fgL Aoj:yfaf^ lkmtf{

_ lgoldt sf/f]jf/af^ ePsf] d'gfkmf-# +3=9+3=10_
96,430
67,149
39,852
3=11
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%#

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