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'kklu
                              e/; izns'k 'kklu
                                foRr foHkkx
                                   ea=ky;

dz-izkfofo@mf'kxk;ks&9@lafola@2009@2083          Hkksiky] fnukad 31 vDVwcj] 2009
izfr]
        'kklu ds leLr foHkkx]
        v/;{k] jktLo e.My] Xokfy;j]
        leLr laHkkxh; vk;qDr]
        leLr foHkkxk/;{k]
        leLr ftyk/;{k]
        e/;izns'kA
                                    f'k{kk
                      fo"k;%& mPp f'k{kk _.k gsrq xkjUVh ;kstukA
                                           =0=

         jkT; 'kklu] ,rn~ }kjk] o"kZ 2009&2010 esa izos'k ysus okys ;kstuk esa
fu/kkZfjr ik=rk ds vk/kkj ij ik= fo|kfFkZ;ksa ds fy;s mPp f'k{kk _.k gsrq xkjUVh
;kstuk ykxw djrh gSA mDr ;kstuk dk Lo:Ik fuEukuqlkj gksxk%&

2@&   ;kstuk dh vko';drk%&
             dh

jkT; 'kklu mPp f'k{kk ds {ks= esa izxfr ds fy, dfVc) gSA izns'k esas fuEu vk;
oxZ dss es/kkoh fo|kfFkZ;ksa dks mPp f'k{kk gsrq f'k{kk _.k izkIr djus esa dfBukbZ
gksrh gS D;ksafd cSadksa }kjk fu/kkZfjr lhek ls vf/kd _.k izkIr djus ij dkWysVjy
flD;wfjVh ekaxh tkrh gSA

Hkkjrh; fjtoZ cSad }kjk tkjh funsZ'k vuqlkj orZeku esa mPp f'k{kk gsrq cSad ls _.k
izkIr djus ij :Ik;s 4 yk[k rd ds _.k gsrq fdlh izdkj dh dkWysVjy
flD;wfjVh dh vko';drk ugaha gksrh gS fdUrq blls vf/kd jkf'k ds _.k gsrq cSad
}kjk dkWysVjy flD;wfjVh fy, tkus dk izko/kku gSA fuEu vk; oxZ ds fo|kfFkZ;ksa
ds ifjokj }kjk muds ikl Hkwfe] Hkou vkfn ugha gksus ls dkWysVjy flD;wfjVh nh
tkuk laHko ugha gksrk gSA vr% ,sls xjhc es/kkoh fo|kFkhZ] ftUgsa mPp f'k{kk gsrq
_.k dh vko';drk gS rFkk dkWysVjy flD;wfjVh ds vHkko esa cSad ls _.k izkIr
ugha dj ldrs gS] dks cSadksa ds ek/;e ls jkT; ljdkj dh xkjUVh ij f'k{kk _.k
                  a
miyC/k djk;k tk ldrk gSA

                                        1
3@&   ;kstuk dk Lo:Ik ,oa fdz;kUo;u djus okys foHkkx %&

bl ;kstuk dk fdz;kUo;u rduhdh f'k{kk] fpfdRlk f'k{kk ,oa mPp f'k{kk foHkkx
}kjk fd;k tkosxkA ;kstuk ds vUrxZr fofHkUu ikB~;dzeksa esa mPp f'k{kk ds fy,
_.k izkIr djus gsrq e/;izns'k 'kklu ds rduhdh f'k{kk] fpfdRlk f'k{kk ,oa mPp
f'k{kk foHkkx }kjk muls lacaf/kr vf/klwfpr ikB~;dzeksa ds fo|kfFkZ;ksa gsrq xkjaVh nh
tkosxhA izR;sd foRrh; o"kZ esa vf/kdre 200 fo|kfFkZ;ksa ds izdj.kksa gsrq xkjaVh nh
tk ldsxhA foHkkx&okj fo|kfFkZ;ksa dks f'k{kk _.k gsrq nh tkus okyh xkjaVh dh
la[;k dk fu/kkZj.k foRr foHkkx }kjk fd;k tk;sxkA blesa fons'kksa esa mPp f'k{kk
izkIr djus gsrq _.k Hkh lfEefyr jgsx] ijUrq ,sls fo|kfFkZ;ksa dh la[;k foHkkx gsrq
                                       sa
fu/kkZfjr la[;k dh dqy la[;k ds 20 izfr'kr ls vf/kd ugha gksxhA mPp f'k{kk
_.k xkjaVh ;kstuk esa vf/klwfpr ikB~;dzekas ,oa f'k{k.k laLFkkvksa dk fu/kkZj.k lacaf/kr
foHkkxksa }kjk fd;k tkosxkA mijksDrkuqlkj xkjaVh 'kkldh;@'kklu ls lgk;rk izkIr
,oa fons'k esa mPp f'k{kk gsrq izfrf"Br egkfo|ky;ks@fo'ofo|ky;ksa ds ikB~;dzeksa esa
                                                     a
v/;;u ds fy;s gh nh tk ldsxhA ijUrq blesa ih,p0Mh0 ds ikB~;dze 'kkfey ugha
gksxA fo|kFkhZ dks mPp f'k{kk _.k xkjaVh fdlh Hkh ,d ikB~;dze ds fy;s ,oa ,d
     sa
ckj gh nh tk ldsxhA

4@&   ykHkkFkhZ %&

e/;izns'k mPp f'k{kk _.k gsrq xkjaVh ;kstuk ds vUrxZr ,sls fo|kFkhZ ik= gksaxsa
ftuds ifjokj dh lHkh L=ksrksa ls okf"kZd vk; :Ik;s 3 yk[k ls vf/kd ugha gSA
lacaf/kr fo|kFkhZ ds ekrk&firk@ikyd dks ;g 'kiFk&i= nsuk gksxk fd muds ikl
dkWysVjy flD;wfjVh gsrq i;kZIr vkfLr;kWa ugha gS rFkk mlds ikl miyC/k vkfLr;ksa
dk fooj.k 'kiFk&i= ds lkFk layXu djus gksxA   sa

5@&   Nkuchu lfefr %&

jkT; 'kklu }kjk e/;izns'k mPp f'k{kk _.k gsrq xkjaVh ;kstuk ds vUrxZr fo|kfFkZ;ksa
ds p;u gsrq bl ;kstuk dk fdz;kUo;u djus okys foHkkxksa ds vUrxZr Nkuchu
lfefr dk xBu fd;k tk;sxk tks ;kstuk ds vUrxZr izkIr gksus okys vkosnuksa ij
fopkj dj xq.k&nks"k ds vk/kkj ij mi;qDr fo|kfFkZ;ksa dk p;u djsxhA lfefr dh
v/;{krk lacaf/kr foHkkx ds izeq[k lfpo@lfpo djsxsa rFkk lacaf/kr foHkkxk/;{k]
lapkyd] laLFkkxr foRr ,oa la;kstd] jkT; Lrjh; cSadlZ lfefr vFkok muds
izfrfuf/k bl lfefr ds lnL; gksaxA lacaf/kr foHkkxk/;{k lfefr ds lnL; lfpo
                                 s


                                           2
gksaxA foHkkx }kjk Nkuchu lfefr dh cSBd izR;sd 3 ekg esa de ls de ,d ckj
     sa
vk;ksftr dh tk;sxhA

6@&      p;u izfdz;k%&

izR;sd izdj.k esa mijksDrkuqlkj xfBr Nkuchu lfefr }kjk f'k{kk _.k gsrq xkjaVh nsus
dk fu.kZ; xq.k&nks"k ds vk/kkj ij ikjn'khZ p;u izfdz;k ds ek/;e ls fd;k tkosxkA
lfefr }kjk p;u djrs le; fuEu fcUnqvksa dh tkap dh tkosxh %&

6-1       fo|kFkhZ }kjk p;fur ikB~;dze dh xq.koRrk ,oa izklafxdrkA
6-2       fo|kFkhZ }kjk p;fur f'k{k.k laLFkku dh ekU;rkA
6-3       fo|kFkhZ dh 'kS{kf.kd i`"BHkwfe rFkk gk;j lsd.Mjh ,oa mlds ckn dh
          ijh{kkvksa esa fo|kFkhZ ds izkIrkadksa dk izfr'krA
6-4       fo|kFkhZ ds ikyd dh vkfFkZd fLFkfrA
6-5       fo|kFkhZ }kjk p;u fd;s x;s ikB~;dze esa p;u dh izfdz;kA
6-6       fo|kFkhZ dks cSad }kjk fn;s tkus okys _.k dh okilh dh laHkkouk dk
          ewY;kaduA
          foHkkxksa }kjk izkIr vkosnuksa esa ls xkjaVh nsus gsrq izdj.kksa dk p;u fo|kFkhZ ds
iwoZ   'kS{kf.kd miyfC/k;ksa ds vk/kkj ij fd;k tk;sxkA

7@&      foHkkx ,oa cSad dk nkf;Ro%&

7-1      foHkkx ,oa cSad dk ;g nkf;Ro gksxk fd og mPp f'k{kk _.k ds fo:)
         xkjaVh izkIr djus okys fo|kFkhZ ds lacaf/kr ikB~;dze esa nkf[kys ds i'pkr
         izR;sd o"kZ@lsfeLVj dh 'kS{kf.kd miyfC/k dh leh{kk djsA
7-2      cSad }kjk ,sls fo|kFkhZ gsrq ns; f'k{k.k 'kqYd dk fuxZeu lh/ks
         egkfo|ky;@fo'ofo|ky; dks fd;k tk;sxkA izos'k o"kZ dks NksM+dj vkxkeh
         o"kksZa esa f'k{k.k 'kqYd ds Hkqxrku ds iwoZ fo|kFkhZ ds lacaf/kr ikB~;dze ds
         izR;sd o"kZ@lsfeLVj dh 'kS{kf.kd miyfC/k dh leh{kk dh tk;sxhA
7-3      fdlh fo|kFkhZ ds lsfeLVj@okf"kZd ijh{kk esa miyfC/k larks"ktud ugha ikbZ
         tkrh gS vFkok chp esa gh i<+kbZ NksM+ nh tkrh gS rks ,slh fLFkfr esa cSad
         dks bu izdj.kksa esa fuxZfer _.k rFkk ml ij mDr fnukad rd ns; C;kt
         dh jkf'k ¼dqy ns; jkf'k½ dh tkudkjh 30 fnol dh le;kof/k esa jkT;
         'kklu ds lacaf/kr iz'kkldh; foHkkx ,oa foRr foHkkx dks nsuh gksxhA cSad
         mDr lwpuk ds mijkUr _.k olwyh dh fu;ekuqlkj dk;Zokgh rRdky izkjEHk
         djsxh rFkk jkT; 'kklu ds xkjaVh varxZr nkf;Roksa esa cSad ds ikl tkudkjh
                                              3
izkIr gksus ds fnukad ds ckn ds C;kt dk Hkkj 'kkfey ugha gksxkA cSad }kjk
      vuqnku dh jkf'k ds lek;kstu mijkUr olwy ugha gks lds _.k ,oa C;kt
      dh jkf'k dh okfilh dh ekax jkT; 'kklu ls djus ij foRr foHkkx }kjk
      'kq) ns; jkf'k cSad dks rRdky miyC/k djkbZ tk;sxhA mDrkuqlkj jkf'k
      fuxZeu ds i'pkr ,slh xkjaVh Loeso fujLr gks tk;sxhA
7-4   ,sls izdj.k ftuesa jkT; 'kklu dks xkjaVh ds fo:) cSad dks Hkqxrku djuk
      iM+rk gS ogka ,sls fo|kFkhZ@ vfHkHkkod ls jkT; 'kklu }kjk Hkqxrku dh xbZ
      jkf'k dh iw.kZ olwyh gksus ds fnukad rd] _.k gsrq cSad }kjk fu/kkZfjr C;kt
      nj ij] ds C;kt lfgr olwyh ;ksX; gksxhA ;g jkf'k lacaf/kr iz'kkldh;
      foHkkx] ftlds }kjk xkjaVh nh xbZ gS] ds }kjk Hkw&jktLo dh cdk;k jkf'k
      (arrears of land revenue) ds leku olwyh ;ksX; gksxhA
7-5   _.kizkIrdrkZ dks ;fn dsUnz ljdkj vFkok vU; fdlh laLFkk ls _.k vFkok
      C;kt ij fdlh izdkj dk vuqnku izkIr gksrk gS rks mDr vuqnku dh jkf'k
      dk] _.k izkIrdrkZ dh nsunkfj;ksa ds fo:) lek;kstu djus ds mijkUr 'ks"k
      jgh jkf'k ds 80 izfr'kr rd dk Hkqxrku gh jkT; 'kklu }kjk xkjaVh ds
      varxZr fd;k tk;sxkA
7-6   cSad }kjk fo|kFkhZ dks xkjaVh ds fo:) fuxZfer@cdk;k _.k dh jkf'k ,oa
      'ks"k C;kt ds v|ru fooj.k izR;sd N% ekg esa ,d ckj foHkkx dks
      miyC/k djk;s tk;sxA foHkkx }kjk izR;sd xkjaVh ds fo"k; esa iznRr _.k]
                            sa
      olwyh ,oa v|ru C;kt dh jkf'k dh tkudkjh fu/kkZfjr izi= esa la/kkfjr dh
      tk;sxh rFkk mlds vk/kkj ij foRr foHkkx dks N^ekgh izfrosnu izLrqr djuk
      gksxkA
8@&   xkjaVh dh fuca/k ,oa 'krs%&
                                Za

8-1   ;kstuk varxZr xkjaVh e/; izns'k 'kkldh; izR;kHkwfr fu;e] 1976 ds rgr
      fu/kkZfjr izfdz;k ds vuqlkj tkjh dh tk;sxhA
8-2   fo|kFkhZ dks xkjaVh ds vkosnu ds lkFk lacaf/kr cSad }kjk tkjh ;g izek.k&i=
      nsuk gksxk fd cSad us _.k ds fo:) ¼80 izfr'kr dh lhek rd½ dksbZ vU;
      dkWysV~jy flD;wfjVh (Collateral Security) izkIr ugha dh gSA
8-3   _.kh }kjk _.k@C;kt ds Hkqxrku esa pwd djus ij izFker% cSad }kjk olwyh
      dh dk;Zokgh dh tk;sxh vkSj rRi'pkr gh vuqnku dh jkf'k ds lek;kstu
      mijkUr 'ks"k cph jkf'k ds fy;s jkT; 'kklu dh xkjaVh ds fo:) ekax djus
      ij jkT; 'kklu }kjk Hkqxrku fd;k tk ldsxkA
8-4   iz'kkldh; foHkkx izfro"kZ ;kstukUrxZr foHkkx }kjk tkjh dh tkus okyh xkjaVh
      dh dqy lhek esa izdj.k okj ¼fo|kFkhZ okj½ xkjaVh tkjh dj ldsxkA foHkkx
      }kjk gh tkjh dh xbZ xkjaVh rFkk mlds fo:) iznRr _.k] C;kt ,oa _.k
                                       4
dh okilh dk ys[kk tks[kk j[kk tk;sxkA foHkkx fu/kkZfjr izi= esa izfr N%
      ekg esa foRr foHkkx dks tkudkjh miyC/k djk;sxkA
8-5   ;kstuk varxZr iz'kkldh; foHkkx }kjk vf/klwfpr ns'k esa fLFkr 'kS{kf.kd
      laLFkku esa mPp f'k{kk izkIr djus gsrq vf/kdre~ :- 7-50 yk[k rFkk fons'k
      esa f'k{kk gsrq vf/kdre~ :- 15 yk[k rd ds _.k ij xkjaVh nh tk ldsxhA
8-6   xkjaVh dh jkf'k dqy _.k rFkk ml ij ns; C;kt ¼_.k Lohd`fr ds le;
      fu/kkZfjr C;kt nj½ ds 80 izfr'kr rd dh lhek esa jgsxhA
8-7   xkjaVh dh vof/k _.k Lohd`fr ds le; _.k pqdkjs gsrq fu/kkZfjr dh xbZ
      vof/k ls 6 ekg i'pkr rd jgsxhA ijUrq df.Mdk 7-3 ,oa 7-5 esa
      mYysf[kr izdj.kksa esa jkT; 'kklu }kjk cSad dks ,slh jkf'k dk Hkqxrku djus
      ds i'pkr xkjaVh Loeso fujLr gks tk;sxhA
8-8   ;kstuk esa p;fur fo|kFkhZ ,oa mlds ikydksa dks viuk ikB~;dze iwjk djus
      rFkk cSad ls izkIr _.k dks e; C;kt ds okfil djus gsrq ,d ca/k&i=
      ¼Bond½ fu"ikfnr djuk gksxkA
8-9   ;kstuk varxZr tkjh xkjaVh ij fu;ekuqlkj xkjaVh Qhl ns; gksxhA

9@&   mDr vkns'k rRdky izHkko ls izHkko'khy gksaxA
                                                 s
                                            e/;izns'k ds jkT;iky ds uke ls
                                                                       uke
                                                     rFkk vkns'kkuqlkj



                                                        ¼th0ih0 fla?ky½
                                                           izeq[k lfpo
                                                    e-iz-'kklu] foRr foHkkx
i`-dz-izkfofo@mf'kxk;ks&9@lafola@2009@2084    Hkksiky] fnukad 31 vDVwcj] 2009
izfrfyfi%&
    1- jkT;iky e/;izns'k ds lfpo] jktHkou] HkksikyA
    2- izeq[k lfpo] e/;izns'k fo/kkulHkk] HkksikyA
    3- fuca/kd] mPp U;k;ky; e/;izns'k] tcyiqjA
    4- izeq[k lfpo] eq[;ea=h lfpoky;] HkksikyA
    5- lfpo] yksd lsok vk;ksx] e/;izns'k] HkksikyA
    6- lfpo] yksdk;qDr] e/;izns'k] HkksikyA
    7- fut lfpo@fut lgk;d] ea=h@jkT;ea=h] e/;izns'k 'kklu] HkksikyA
    8- eq[; fuokZpu inkf/kdkjh] e/;izns'k] HkksikyA
    9- lfpo] jkT; fuokZpu vk;ksx] e/;izns'k] HkksikyA

                                       5
10- jftLVªkj] e/;izns'k jkT; iz'kklfud U;k;kf/kdj.k] Hkksiky@tcyiqj@bankSj@
    Xokfy;jA
11- egkf/koDrk@mi&egkf/koDrk] e/;izns'k] tcyiqj@bankSj@Xokfy;jA
12- egkys[kkdkj ¼ys[kk vkSj gdnkjh½@vkfMV 1@2] e/;izns'k] Xokfy;j@HkksikyA
13- v/;{k] O;kolkf;d ijh{kk eaMy@ek/;fed f'k{kk eaMy] HkksikyA
14- izeq[k lfpo@lfpo@mi lfpo] lkekU; iz'kklu foHkkx] HkksikyA
15- vk;qDr] tulaidZ lapkyuky;] e/; izns'k] HkksikyA
16- fu;a=d] 'kkldh; dzUnzh; eqnz.kky;] HkksikyA
17- voj lfpo] lkekU; iz'kklu foHkkx ¼LFkkiuk 'kk[kk@v/kh{k.k 'kk[kk@vfHkys[k@
    eq[; ys[kkf/kdkjh½] ea=ky;] HkksikyA
18- eq[; lfpo ds LVkQ vkfQlj] ea=ky;] HkksikyA
19- la;qDr lapkyd] tulaidZ izdks"B] ea=ky;] HkksikyA
20- {kS=h; funs'kd] Hkkjrh; fjtoZ cSad] HkksikyA
21- Eq[; eegkizc/kd] ukckMZ] HkksikyA
                  a
22- la;kstd] jkT; Lrjh; cSadlZ lfefr] HkksikyA
23- izns'k esa dk;Zjr lHkh cSadksa ds jkT; Lrjh; izeq[k] HkksikyA
24- v/;{k] leLr {ks=h; xzkeh.k cSadA
25- leLr vxz.kh ftyk izc/kd] e/; izns'kA
                            a
26- v/;{k] e/;izns'k jkT; deZpkjh dY;k.k lfefr] d{k&84] ea=ky;] HkksikyA
27- v/;{k] 'kklu ds leLr ekU;rk izkIr deZpkjh laxBu@la?kA
28- xkMZ QkbZyA
dh vksj lwpukFkZ ,oa vko';d dk;Zokgh ds fy;s vxzsf"krA




                                                     ¼euh"k flag½
                                                       lapkyd
                                               lapkyuky; laLFkkxr foRr
                                                       e/;izns'k




                                    6

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  • 1. 'kklu e/; izns'k 'kklu foRr foHkkx ea=ky; dz-izkfofo@mf'kxk;ks&9@lafola@2009@2083 Hkksiky] fnukad 31 vDVwcj] 2009 izfr] 'kklu ds leLr foHkkx] v/;{k] jktLo e.My] Xokfy;j] leLr laHkkxh; vk;qDr] leLr foHkkxk/;{k] leLr ftyk/;{k] e/;izns'kA f'k{kk fo"k;%& mPp f'k{kk _.k gsrq xkjUVh ;kstukA =0= jkT; 'kklu] ,rn~ }kjk] o"kZ 2009&2010 esa izos'k ysus okys ;kstuk esa fu/kkZfjr ik=rk ds vk/kkj ij ik= fo|kfFkZ;ksa ds fy;s mPp f'k{kk _.k gsrq xkjUVh ;kstuk ykxw djrh gSA mDr ;kstuk dk Lo:Ik fuEukuqlkj gksxk%& 2@& ;kstuk dh vko';drk%& dh jkT; 'kklu mPp f'k{kk ds {ks= esa izxfr ds fy, dfVc) gSA izns'k esas fuEu vk; oxZ dss es/kkoh fo|kfFkZ;ksa dks mPp f'k{kk gsrq f'k{kk _.k izkIr djus esa dfBukbZ gksrh gS D;ksafd cSadksa }kjk fu/kkZfjr lhek ls vf/kd _.k izkIr djus ij dkWysVjy flD;wfjVh ekaxh tkrh gSA Hkkjrh; fjtoZ cSad }kjk tkjh funsZ'k vuqlkj orZeku esa mPp f'k{kk gsrq cSad ls _.k izkIr djus ij :Ik;s 4 yk[k rd ds _.k gsrq fdlh izdkj dh dkWysVjy flD;wfjVh dh vko';drk ugaha gksrh gS fdUrq blls vf/kd jkf'k ds _.k gsrq cSad }kjk dkWysVjy flD;wfjVh fy, tkus dk izko/kku gSA fuEu vk; oxZ ds fo|kfFkZ;ksa ds ifjokj }kjk muds ikl Hkwfe] Hkou vkfn ugha gksus ls dkWysVjy flD;wfjVh nh tkuk laHko ugha gksrk gSA vr% ,sls xjhc es/kkoh fo|kFkhZ] ftUgsa mPp f'k{kk gsrq _.k dh vko';drk gS rFkk dkWysVjy flD;wfjVh ds vHkko esa cSad ls _.k izkIr ugha dj ldrs gS] dks cSadksa ds ek/;e ls jkT; ljdkj dh xkjUVh ij f'k{kk _.k a miyC/k djk;k tk ldrk gSA 1
  • 2. 3@& ;kstuk dk Lo:Ik ,oa fdz;kUo;u djus okys foHkkx %& bl ;kstuk dk fdz;kUo;u rduhdh f'k{kk] fpfdRlk f'k{kk ,oa mPp f'k{kk foHkkx }kjk fd;k tkosxkA ;kstuk ds vUrxZr fofHkUu ikB~;dzeksa esa mPp f'k{kk ds fy, _.k izkIr djus gsrq e/;izns'k 'kklu ds rduhdh f'k{kk] fpfdRlk f'k{kk ,oa mPp f'k{kk foHkkx }kjk muls lacaf/kr vf/klwfpr ikB~;dzeksa ds fo|kfFkZ;ksa gsrq xkjaVh nh tkosxhA izR;sd foRrh; o"kZ esa vf/kdre 200 fo|kfFkZ;ksa ds izdj.kksa gsrq xkjaVh nh tk ldsxhA foHkkx&okj fo|kfFkZ;ksa dks f'k{kk _.k gsrq nh tkus okyh xkjaVh dh la[;k dk fu/kkZj.k foRr foHkkx }kjk fd;k tk;sxkA blesa fons'kksa esa mPp f'k{kk izkIr djus gsrq _.k Hkh lfEefyr jgsx] ijUrq ,sls fo|kfFkZ;ksa dh la[;k foHkkx gsrq sa fu/kkZfjr la[;k dh dqy la[;k ds 20 izfr'kr ls vf/kd ugha gksxhA mPp f'k{kk _.k xkjaVh ;kstuk esa vf/klwfpr ikB~;dzekas ,oa f'k{k.k laLFkkvksa dk fu/kkZj.k lacaf/kr foHkkxksa }kjk fd;k tkosxkA mijksDrkuqlkj xkjaVh 'kkldh;@'kklu ls lgk;rk izkIr ,oa fons'k esa mPp f'k{kk gsrq izfrf"Br egkfo|ky;ks@fo'ofo|ky;ksa ds ikB~;dzeksa esa a v/;;u ds fy;s gh nh tk ldsxhA ijUrq blesa ih,p0Mh0 ds ikB~;dze 'kkfey ugha gksxA fo|kFkhZ dks mPp f'k{kk _.k xkjaVh fdlh Hkh ,d ikB~;dze ds fy;s ,oa ,d sa ckj gh nh tk ldsxhA 4@& ykHkkFkhZ %& e/;izns'k mPp f'k{kk _.k gsrq xkjaVh ;kstuk ds vUrxZr ,sls fo|kFkhZ ik= gksaxsa ftuds ifjokj dh lHkh L=ksrksa ls okf"kZd vk; :Ik;s 3 yk[k ls vf/kd ugha gSA lacaf/kr fo|kFkhZ ds ekrk&firk@ikyd dks ;g 'kiFk&i= nsuk gksxk fd muds ikl dkWysVjy flD;wfjVh gsrq i;kZIr vkfLr;kWa ugha gS rFkk mlds ikl miyC/k vkfLr;ksa dk fooj.k 'kiFk&i= ds lkFk layXu djus gksxA sa 5@& Nkuchu lfefr %& jkT; 'kklu }kjk e/;izns'k mPp f'k{kk _.k gsrq xkjaVh ;kstuk ds vUrxZr fo|kfFkZ;ksa ds p;u gsrq bl ;kstuk dk fdz;kUo;u djus okys foHkkxksa ds vUrxZr Nkuchu lfefr dk xBu fd;k tk;sxk tks ;kstuk ds vUrxZr izkIr gksus okys vkosnuksa ij fopkj dj xq.k&nks"k ds vk/kkj ij mi;qDr fo|kfFkZ;ksa dk p;u djsxhA lfefr dh v/;{krk lacaf/kr foHkkx ds izeq[k lfpo@lfpo djsxsa rFkk lacaf/kr foHkkxk/;{k] lapkyd] laLFkkxr foRr ,oa la;kstd] jkT; Lrjh; cSadlZ lfefr vFkok muds izfrfuf/k bl lfefr ds lnL; gksaxA lacaf/kr foHkkxk/;{k lfefr ds lnL; lfpo s 2
  • 3. gksaxA foHkkx }kjk Nkuchu lfefr dh cSBd izR;sd 3 ekg esa de ls de ,d ckj sa vk;ksftr dh tk;sxhA 6@& p;u izfdz;k%& izR;sd izdj.k esa mijksDrkuqlkj xfBr Nkuchu lfefr }kjk f'k{kk _.k gsrq xkjaVh nsus dk fu.kZ; xq.k&nks"k ds vk/kkj ij ikjn'khZ p;u izfdz;k ds ek/;e ls fd;k tkosxkA lfefr }kjk p;u djrs le; fuEu fcUnqvksa dh tkap dh tkosxh %& 6-1 fo|kFkhZ }kjk p;fur ikB~;dze dh xq.koRrk ,oa izklafxdrkA 6-2 fo|kFkhZ }kjk p;fur f'k{k.k laLFkku dh ekU;rkA 6-3 fo|kFkhZ dh 'kS{kf.kd i`"BHkwfe rFkk gk;j lsd.Mjh ,oa mlds ckn dh ijh{kkvksa esa fo|kFkhZ ds izkIrkadksa dk izfr'krA 6-4 fo|kFkhZ ds ikyd dh vkfFkZd fLFkfrA 6-5 fo|kFkhZ }kjk p;u fd;s x;s ikB~;dze esa p;u dh izfdz;kA 6-6 fo|kFkhZ dks cSad }kjk fn;s tkus okys _.k dh okilh dh laHkkouk dk ewY;kaduA foHkkxksa }kjk izkIr vkosnuksa esa ls xkjaVh nsus gsrq izdj.kksa dk p;u fo|kFkhZ ds iwoZ 'kS{kf.kd miyfC/k;ksa ds vk/kkj ij fd;k tk;sxkA 7@& foHkkx ,oa cSad dk nkf;Ro%& 7-1 foHkkx ,oa cSad dk ;g nkf;Ro gksxk fd og mPp f'k{kk _.k ds fo:) xkjaVh izkIr djus okys fo|kFkhZ ds lacaf/kr ikB~;dze esa nkf[kys ds i'pkr izR;sd o"kZ@lsfeLVj dh 'kS{kf.kd miyfC/k dh leh{kk djsA 7-2 cSad }kjk ,sls fo|kFkhZ gsrq ns; f'k{k.k 'kqYd dk fuxZeu lh/ks egkfo|ky;@fo'ofo|ky; dks fd;k tk;sxkA izos'k o"kZ dks NksM+dj vkxkeh o"kksZa esa f'k{k.k 'kqYd ds Hkqxrku ds iwoZ fo|kFkhZ ds lacaf/kr ikB~;dze ds izR;sd o"kZ@lsfeLVj dh 'kS{kf.kd miyfC/k dh leh{kk dh tk;sxhA 7-3 fdlh fo|kFkhZ ds lsfeLVj@okf"kZd ijh{kk esa miyfC/k larks"ktud ugha ikbZ tkrh gS vFkok chp esa gh i<+kbZ NksM+ nh tkrh gS rks ,slh fLFkfr esa cSad dks bu izdj.kksa esa fuxZfer _.k rFkk ml ij mDr fnukad rd ns; C;kt dh jkf'k ¼dqy ns; jkf'k½ dh tkudkjh 30 fnol dh le;kof/k esa jkT; 'kklu ds lacaf/kr iz'kkldh; foHkkx ,oa foRr foHkkx dks nsuh gksxhA cSad mDr lwpuk ds mijkUr _.k olwyh dh fu;ekuqlkj dk;Zokgh rRdky izkjEHk djsxh rFkk jkT; 'kklu ds xkjaVh varxZr nkf;Roksa esa cSad ds ikl tkudkjh 3
  • 4. izkIr gksus ds fnukad ds ckn ds C;kt dk Hkkj 'kkfey ugha gksxkA cSad }kjk vuqnku dh jkf'k ds lek;kstu mijkUr olwy ugha gks lds _.k ,oa C;kt dh jkf'k dh okfilh dh ekax jkT; 'kklu ls djus ij foRr foHkkx }kjk 'kq) ns; jkf'k cSad dks rRdky miyC/k djkbZ tk;sxhA mDrkuqlkj jkf'k fuxZeu ds i'pkr ,slh xkjaVh Loeso fujLr gks tk;sxhA 7-4 ,sls izdj.k ftuesa jkT; 'kklu dks xkjaVh ds fo:) cSad dks Hkqxrku djuk iM+rk gS ogka ,sls fo|kFkhZ@ vfHkHkkod ls jkT; 'kklu }kjk Hkqxrku dh xbZ jkf'k dh iw.kZ olwyh gksus ds fnukad rd] _.k gsrq cSad }kjk fu/kkZfjr C;kt nj ij] ds C;kt lfgr olwyh ;ksX; gksxhA ;g jkf'k lacaf/kr iz'kkldh; foHkkx] ftlds }kjk xkjaVh nh xbZ gS] ds }kjk Hkw&jktLo dh cdk;k jkf'k (arrears of land revenue) ds leku olwyh ;ksX; gksxhA 7-5 _.kizkIrdrkZ dks ;fn dsUnz ljdkj vFkok vU; fdlh laLFkk ls _.k vFkok C;kt ij fdlh izdkj dk vuqnku izkIr gksrk gS rks mDr vuqnku dh jkf'k dk] _.k izkIrdrkZ dh nsunkfj;ksa ds fo:) lek;kstu djus ds mijkUr 'ks"k jgh jkf'k ds 80 izfr'kr rd dk Hkqxrku gh jkT; 'kklu }kjk xkjaVh ds varxZr fd;k tk;sxkA 7-6 cSad }kjk fo|kFkhZ dks xkjaVh ds fo:) fuxZfer@cdk;k _.k dh jkf'k ,oa 'ks"k C;kt ds v|ru fooj.k izR;sd N% ekg esa ,d ckj foHkkx dks miyC/k djk;s tk;sxA foHkkx }kjk izR;sd xkjaVh ds fo"k; esa iznRr _.k] sa olwyh ,oa v|ru C;kt dh jkf'k dh tkudkjh fu/kkZfjr izi= esa la/kkfjr dh tk;sxh rFkk mlds vk/kkj ij foRr foHkkx dks N^ekgh izfrosnu izLrqr djuk gksxkA 8@& xkjaVh dh fuca/k ,oa 'krs%& Za 8-1 ;kstuk varxZr xkjaVh e/; izns'k 'kkldh; izR;kHkwfr fu;e] 1976 ds rgr fu/kkZfjr izfdz;k ds vuqlkj tkjh dh tk;sxhA 8-2 fo|kFkhZ dks xkjaVh ds vkosnu ds lkFk lacaf/kr cSad }kjk tkjh ;g izek.k&i= nsuk gksxk fd cSad us _.k ds fo:) ¼80 izfr'kr dh lhek rd½ dksbZ vU; dkWysV~jy flD;wfjVh (Collateral Security) izkIr ugha dh gSA 8-3 _.kh }kjk _.k@C;kt ds Hkqxrku esa pwd djus ij izFker% cSad }kjk olwyh dh dk;Zokgh dh tk;sxh vkSj rRi'pkr gh vuqnku dh jkf'k ds lek;kstu mijkUr 'ks"k cph jkf'k ds fy;s jkT; 'kklu dh xkjaVh ds fo:) ekax djus ij jkT; 'kklu }kjk Hkqxrku fd;k tk ldsxkA 8-4 iz'kkldh; foHkkx izfro"kZ ;kstukUrxZr foHkkx }kjk tkjh dh tkus okyh xkjaVh dh dqy lhek esa izdj.k okj ¼fo|kFkhZ okj½ xkjaVh tkjh dj ldsxkA foHkkx }kjk gh tkjh dh xbZ xkjaVh rFkk mlds fo:) iznRr _.k] C;kt ,oa _.k 4
  • 5. dh okilh dk ys[kk tks[kk j[kk tk;sxkA foHkkx fu/kkZfjr izi= esa izfr N% ekg esa foRr foHkkx dks tkudkjh miyC/k djk;sxkA 8-5 ;kstuk varxZr iz'kkldh; foHkkx }kjk vf/klwfpr ns'k esa fLFkr 'kS{kf.kd laLFkku esa mPp f'k{kk izkIr djus gsrq vf/kdre~ :- 7-50 yk[k rFkk fons'k esa f'k{kk gsrq vf/kdre~ :- 15 yk[k rd ds _.k ij xkjaVh nh tk ldsxhA 8-6 xkjaVh dh jkf'k dqy _.k rFkk ml ij ns; C;kt ¼_.k Lohd`fr ds le; fu/kkZfjr C;kt nj½ ds 80 izfr'kr rd dh lhek esa jgsxhA 8-7 xkjaVh dh vof/k _.k Lohd`fr ds le; _.k pqdkjs gsrq fu/kkZfjr dh xbZ vof/k ls 6 ekg i'pkr rd jgsxhA ijUrq df.Mdk 7-3 ,oa 7-5 esa mYysf[kr izdj.kksa esa jkT; 'kklu }kjk cSad dks ,slh jkf'k dk Hkqxrku djus ds i'pkr xkjaVh Loeso fujLr gks tk;sxhA 8-8 ;kstuk esa p;fur fo|kFkhZ ,oa mlds ikydksa dks viuk ikB~;dze iwjk djus rFkk cSad ls izkIr _.k dks e; C;kt ds okfil djus gsrq ,d ca/k&i= ¼Bond½ fu"ikfnr djuk gksxkA 8-9 ;kstuk varxZr tkjh xkjaVh ij fu;ekuqlkj xkjaVh Qhl ns; gksxhA 9@& mDr vkns'k rRdky izHkko ls izHkko'khy gksaxA s e/;izns'k ds jkT;iky ds uke ls uke rFkk vkns'kkuqlkj ¼th0ih0 fla?ky½ izeq[k lfpo e-iz-'kklu] foRr foHkkx i`-dz-izkfofo@mf'kxk;ks&9@lafola@2009@2084 Hkksiky] fnukad 31 vDVwcj] 2009 izfrfyfi%& 1- jkT;iky e/;izns'k ds lfpo] jktHkou] HkksikyA 2- izeq[k lfpo] e/;izns'k fo/kkulHkk] HkksikyA 3- fuca/kd] mPp U;k;ky; e/;izns'k] tcyiqjA 4- izeq[k lfpo] eq[;ea=h lfpoky;] HkksikyA 5- lfpo] yksd lsok vk;ksx] e/;izns'k] HkksikyA 6- lfpo] yksdk;qDr] e/;izns'k] HkksikyA 7- fut lfpo@fut lgk;d] ea=h@jkT;ea=h] e/;izns'k 'kklu] HkksikyA 8- eq[; fuokZpu inkf/kdkjh] e/;izns'k] HkksikyA 9- lfpo] jkT; fuokZpu vk;ksx] e/;izns'k] HkksikyA 5
  • 6. 10- jftLVªkj] e/;izns'k jkT; iz'kklfud U;k;kf/kdj.k] Hkksiky@tcyiqj@bankSj@ Xokfy;jA 11- egkf/koDrk@mi&egkf/koDrk] e/;izns'k] tcyiqj@bankSj@Xokfy;jA 12- egkys[kkdkj ¼ys[kk vkSj gdnkjh½@vkfMV 1@2] e/;izns'k] Xokfy;j@HkksikyA 13- v/;{k] O;kolkf;d ijh{kk eaMy@ek/;fed f'k{kk eaMy] HkksikyA 14- izeq[k lfpo@lfpo@mi lfpo] lkekU; iz'kklu foHkkx] HkksikyA 15- vk;qDr] tulaidZ lapkyuky;] e/; izns'k] HkksikyA 16- fu;a=d] 'kkldh; dzUnzh; eqnz.kky;] HkksikyA 17- voj lfpo] lkekU; iz'kklu foHkkx ¼LFkkiuk 'kk[kk@v/kh{k.k 'kk[kk@vfHkys[k@ eq[; ys[kkf/kdkjh½] ea=ky;] HkksikyA 18- eq[; lfpo ds LVkQ vkfQlj] ea=ky;] HkksikyA 19- la;qDr lapkyd] tulaidZ izdks"B] ea=ky;] HkksikyA 20- {kS=h; funs'kd] Hkkjrh; fjtoZ cSad] HkksikyA 21- Eq[; eegkizc/kd] ukckMZ] HkksikyA a 22- la;kstd] jkT; Lrjh; cSadlZ lfefr] HkksikyA 23- izns'k esa dk;Zjr lHkh cSadksa ds jkT; Lrjh; izeq[k] HkksikyA 24- v/;{k] leLr {ks=h; xzkeh.k cSadA 25- leLr vxz.kh ftyk izc/kd] e/; izns'kA a 26- v/;{k] e/;izns'k jkT; deZpkjh dY;k.k lfefr] d{k&84] ea=ky;] HkksikyA 27- v/;{k] 'kklu ds leLr ekU;rk izkIr deZpkjh laxBu@la?kA 28- xkMZ QkbZyA dh vksj lwpukFkZ ,oa vko';d dk;Zokgh ds fy;s vxzsf"krA ¼euh"k flag½ lapkyd lapkyuky; laLFkkxr foRr e/;izns'k 6