dks vkwi c d fy. CO-OP BANK LTD. eq[; dk;kzy; % y{e.kuxj] Mkaxs pksd] Fksjxkao] iq.ks fnukad %

Transkript

1 izsj.kk Prerana dks vkwi c d fy. CO-OP BANK LTD. eq[; dk;kzy; % y{e.kuxj] Mkaxs pksd] Fksjxkao] iq.ks tk-dz- fnukad % 24@01@2015 fiz; lhkkln ca/kw@hkfxuh lizse ueldkj] ikgrk ikgrk vkiyh izsj.kk dks vkwi c d fy- lq: gksåu 16 o ksz iq.kz >kyh- c dsps ckyi.k vkegk lokz cjkscj vki.k lq/nk ikfgys o c dsoj HkjHk:u izse dsysr- vmhvmp.khp;k dkgkr vki.k [kachji.ks c dsp;k ikbhekxs mhks jkghykr o c dsl vkffkzd n` V;k l{ke cufoysr- c dsp;k izxrh e/khy lhkklnkapk lghkkx y{kkr?ksåu xsy;k dkgh o kkz iklwu lhkklnkalkbh,[kknh dy;k.kdkjh ;kstuk lq: djkoh v kh dyiuk eukr gksrh- loz lapkydkauh,df=ri.ks ;k ;kstusul ewrz Lo:Ik ns.;kps Bjfoys R;kizek.ks vki.k lokzuh c dsp;k 16 O;k okf kzd loz lk/kkj.k lhksr,deq[kkus eatwjh fny;keqgs gh ;kstuk c dsp;k 16 O;k o/kkziu fnuk fuferr fn-24@01@2015 iklwu dk;kzfuor djhr vkgksr- ;k ;kstusph FkksMD;kr ekfgrh iq<hy izek.ks vkgsvki.k loz lhkkln@ca/kw@hkfxuhuha ;k iwohz vkep;koj tlk fo okl nk[koykr o vkegkl dk;z dj.;kl osg fnysr rlkp fo okl ;k iq<s lq/nk loz lapkyd eamgkoj jkghy ;kph [kk=h vkgsvki.kkl o vkiy;k dqvafc;kl uoo kkzp;k kqhkspnk! vkiys uez v/;{k Jh-rqdkjkeHkkÅ y{e.kjko xqtj mik/;{kk lks-lqtkrk fodkl ikj[kh Jh-Jh/kj /kksamhjke okygsdj Jh-xckth fhkokth okdmdj Jh-Kkus oj jkepanz [kkusdj Jh-dkarhyky rqdkjke xqtj Jh-vadq k ccujko i gkm Jh-lqjs k ukukhkkå ikj[kh Jh-y{e.k egknso dkvs Jh-larks k oklqnso eq axls Jh-lat; larqjke ibkjs Jh-Kkus oj ckcqjko eqjdqvs Jh-dkyhnkl rqdkjke xqtj Jh-jktkjke ukenso jafny Jh-jktsanz egknso f kjlkb lks-panzhkkxk f kokth fhkls lks-infeuh,dukfk ojkms Jh-uanfd kksj teukyky rks.khoky ;kstusrhy egrrokps eqìs % Jh-rkukth ekf.kdjko lksuo.ks eq[; dk;zdkjh vf/kdkjh izsj.kk dks vkwi c d lhkkln dy;k.k fu/kh ;kstuk ;k ;kstus varxzr ik= lhkklnkauk o R;kaP;k dqvaqfc;kuk os fd; [kpkzlkbh] vdfled ladvklkbh ;kstusp;k vvhuqlkj vkffkzd lgk ; dsys tkrs-

2 1) vtznkj vtz dj.;kp;k rkj[ksiqohz fdeku 2 o ksz lhkkln vlkok- 2) vtznkjkps ekfld mriuu :-20]000@ fadaok R;kis{kk deh vlkos 3) vkffkzd enr iq<hy izlaxkr fnyh tkbzy % v) lkeku; vkffkzd enr % ;kstuse/khy ;knhrhy fujfujkg;k jksxkap;k mipkjkpk ijrkok mipkjkuqlkj :-2]500@ rs :-15]000@ i;zr c) vdfler vkffkzd enr % vi?kkr] vdfler e`r;q] rrdkg os fd; lsok ok vu; dkj.kklkbh :-3]000@ i;zr rkrdkg enr d) f k{k.kkrhy ; k] fo ks k kks;z] jkt;lrjkojhy fdaok ns kkps izfrfu/khro dj.kk ;k [ksgkmwl fo ks k izksrlkgu iqjldkj (mriuukph vv ukgh-) ;kf kok; lhkklnkalkbh,[kknk lkewfgd midze tls os fd; rikl.kh f kchj jdrnku f kchj oxsjs Hkjfoyh tkrhy- ;kstuspk laiq.kz ri khy o vtkzpk uequk c dsp;k loz kk[kk o eq[; dk;kzy;kr miyc/k dsyk vkgs rlsp laiq.kz ;kstuk o QWkeZ ;k osclkbzvoj iznf kzr dsyh vkgs- ojhy lanhkkzrhy dks.kr;kgh ekfgrhlkbh xzkgd lsok dasnz eks oj laidz djkok- Jh-rqdkjkeHkkÅ y{e.kjko xqtj v/;{k] izsj.kk dks vkwi c d fy-

3 lhkkln dy;k.k ;kstuk (Member Welfare Scheme) lnj lhkkln dy;k.k ;kstuk fn P;k lapkyd eamgkp;k lhksr ekam.;kr vkyh vlwu fn P;k okf kzd loz lk/kkj.k lhksr ;k ;kstusl eatwjh ns.;kr vkysyh vkgs- lnjph ;kstuk iklwu vaeykr ;sbzy- fu;e o ekxzn khz lwpuk % lkeku; fu;e % 1- lhkkln dy;k.k fu/khpk fofu;ksx QDr lhkklnkaps dy;k.kkp;k dkj.kkalkbhp dsyk tkbzy- 2- c d lhkkln dy;k.k fu/khp;k xqaro.kqdh ojhy O;kt vkiy;k mriuukyk?ksbzy- ek= vkffkzd enr miyc/k fu/khyk ukos Vkdwu ns.ksr ;sbzy- 3- ;k ;kstus varxzr os;drhd lhkklnkl fdaok R;kP;k dqvqafc;kl vkffkzd enr fegw kdsy- lhkklnkl vkffkzd enr feg.ks lkbh o;kph dks.krgh vv jkg.kkj ukgh- 4- lhkkln dqavqfc; ;k laksr lhkklnkph iruh] irh] 18 o kkzp;k vkrhy vfookghr eqyxk@eqyxh o 60 o kkz is{kk vf/kd o kkzps vkbz@ofmy ;k dqvqac lnl;kpk lekos k vlsy 5- vtznkj] vtz dj.;kps rkj[ksiqohz lyx nksu o ksz fu;fer lhkkln (fdz;k khy@vfdz;k khy) vl.ks vko ;d vkgs- gh O;fDr Fkdckdhnkj vlrk dkek u;s-,dk dqvqackrhy,dkp lhkklnkl fdaok,dk YkkHkkFkhZl,dk vkffkzd o kkzr],dk dkj.kklkbh,dnkp vkffkzd enr fegw kdsy- 6- T;k lhkklnkps ekfld mriuu :-20]000@ fdaok R;kis{kk deh vkgs R;kykp vdfled vkffkzd enr fdaok lkeku; vkffkzd enr fnyh tkbzy- 7- vkffkzd enrhpk vtz lhkklnkus lacaf/kr kk[ks ekqzr ikbfo.ks o ;k vtkzoj lacaf/kr kk[kk lferhph f kqkjl vko ;d jkfgy- 8- lkeku; Lo:ikph enr kk[ksr vtz fegky;k iklwu yxsp P;k lapkyd eamgkps lhksr eatwj@ukeatwj d:u ek-lpakyd eamgkpk fu.kz; lhkklnkl ys[kh Lo:ikr dgfoyk tkbzy- o enr eatwj >kyh vly;kl enrhph jdde is vkwmzjus fnyh tkbzy- 9- vdfled Lo:ikP;k enrhpk fu.kz; Rofjr dgfoyk tkbzy- kd;rks dks.krhgh vkffkzd enr is vkwmzj Onkjk vnk dsyh tkbzy- lhkklnkus R;k jddesph ikorh ns.ks vko ;d jkfgy- 10- ;k fu/khrwu dtz Lo:ikr dks.krhgh enr nsrk ;s.kkj ukgh lhkklnkus r kk izdkjph ekx.kh d: u;s R;klkBh c dsp;k Lora= dtz ;kstuk lhkklnkalkbh miyc/k vkgsr- 11-,dk vkffkzd o kkzr (1,fizy rs 31 ekpz ;k dkyko/khr) lhkkln dy;k.k fu/khrwu loz lhkklnkauk fegwu vf/kdre,dw.k :-ngk yk[k i;zrph enr lhkklnkauk dsyh tkbzy- 12- enr nsrkuk ^izfke ;s.kk ;kl izk/kku;* ;k rrokus vtkzph o enrhph eatwjh dsyh tkbzy

4 13-,dk vkffkzd o kkzr :-ngk yk[kkph e;kznk laiy;kl R;kuarj enr ekx.kk ;k lhkklnkauk iq<hy o kkzr izfke vkysy;kl izk/kku; ;k rrokusp enr ns.;kr ;sbzy- 14- var;r vioknkred flfkrhr vvh f kfkhy dj.ks vkf.k fdaok vkffkzd enrhph jdde ok<fo.ksps vf/kdkj ek-lapkyd eamgkl jkgrhy 15 iq<hy loz izdkjp;k enrh fn iklwu iq<hy rkj[ksl mipkj dsysy;k [kpkz laca/kh fegrhy- lhkkln fu/khph vkffkzd enr iq<hy pkj fohkkxkr fnyh tkbzy- 1-lHkkln dy;k.kkp;k lkeqfgd ;kstuk 2-vkdfLed vkffkzd enr % g;k laca/kh eatwjhps vf/kdkj ek-psvjeu vfkok OgkbZl psvjeu ;kauk jkgrhy- 3-lkekU; vkffkzd enr % g;k lac/kh eatwjhps vf/kdkj ek-lapkyd eamgkyk jkgrhy 4-fo kfkhz izkfo.; o fo ks k izksrlkgu iqjldkj lhkkln dy;k.kkp;k lkewfgd ;kstuk % 1-c d O;oLFkkiu xjtw lhkklnkalkbh o R;kaP;k dqavqfc;klkbh os fd; pkp.khpk dk;zdze jkcow kdsy- R;klkBh ;s.kkjk [kpz ;k fu/khrwu djrk ;sbzy- 2-c dsp;k loz efgyk lhkkalnklkbh rlsp T;s B iq: k lhkklnkalkbh (o; o ksz 60) foukewy; os fd; rikl.kh dj.;kph lqfo/kk c ds rqsz miyc/k d:u fnyh tkbzy- 3-c d O;oLFkkiu xjtsuqlkj c dsp;k loz lhkklnkalkbh,[kknh deh [kpkzph xzqi foek ikwfylh?ks.;kckcr fopkj d: kdsy- foek gir;kph jdde g;k fu/khyk ukos Vkdwu vnk dsyh tkbzy- 4-c d O;oLFkkiu vkffkzd n` V;k dedqor lhkklnkalkbh fdaok R;akP;k dqavqfc;klkbh e;kzfnr Lo:ikr MksGs rikl.kh] eksrhfcanw kl=fdz;k] p es] Jo.k ;a=s ns.ks] us=fgu O;fDaruk dkb;k ns.ks ;k lkj[ks lkewfgd Lo:ikr jkcow kdsy-r;klkbh ;s.kkjk [kpz ;k fu/khrwu dsyk tkå kdsy- 5-c d O;oLFkkiu lhkkln fdaok dqvqafc; ;kap;k isdh ts ik;kus viax@fodykax vkgsr R;kauk ^t;iwj QqV* lkj[kh midj.ks ns.;kckcr fopkj d: kdsy- 6-c d O;oLFkkiu lhkklnkps jdrnku dk;zdze vk;ksftr d: kdsy o xjtw o xjhc lhkklnkauk rkrmhps osgh foukewy; jdr miyc/k d:u ns.;kph ;kstuk jkcow kdsy- ;klkbh ;s.kkjk [kpz ;k ;k fu/khrwu djrk ;sbzy- 7-c d O;oLFkkiu lhkkln o dqvqafc;kalkbh iksfyvks fdaok gsikvk;fvl fdaok vu; ylhdj.kpk dk;zdze gkrh?kså kdsy] R;klkBh ;k fu/khrwu [kpz djrk ;sbzy-

5 vkdfled vkffkzd enr ;kstuk % 1-vi?kkr]vkdfLed e`r;q] rrdkg os fd; lsok] var;fo/kh] naxyxzlrrk] pksjh] Hkwdai] ;kisdh,[kk k dkj.kkaeqgs,[kk k xjtw o xjhc lhkklnkyk rrdkg vkffkzd enrhph xjt vlsy rj rks ljg ek-v/;{k ;kap;k dms vkiyk ys[kh vtz nså kdsy- 2-ek-v/;{k izkir ifjflfkrh y{kkr?ksåu,dk lhkklnkyk vf/kdre :-3]000@ (v{kjh :i;s rhu gtkj ek=) i;zr vkffkzd enr eatwj d:u Rofjr vnk d: kdrhy- lkeku; vkffkzd enr ;kstuk % 1) [kkyhy jksxkap;k vks k/kksipkjk lkbh vf/kdre enr iq<hy izek.ks jkghy- 1) vi?kkrkus fdaok uslfxzdfjr;k viaxro vky;kl :-7]500@ enr nsrk ;sbzy- R;klkBh fdeku 40% viaxro vky;kpk c dsl eku; MkWDVjkapk nk[kyk ns.ks vko ;d jkfgy- 2)MksG;kps vkwijs ku (dkpfcanw@imnk@eksrhfcanw oxsjs)s :-3]000@ 4) vwuthvksxzkqh :-3]000@ 5) estj cz su ltzjh :-15]000@ 7) dwuljps jksx funku >ky;kl vks k/ksipkjkl lkbh,d osg XyWM b-ps vkwijs ku :-7]500@ :-2500@ 10)e.kD;kps vkwijs ku :-7]000@ 11) estj ltzjh % (vwcmkwfeuy] iwfdz;kt] xkwy] CyWMj] ;qjsv ] nksugh vkrmh] Iyhgk] vksogjht] Qq Qql] ;d`r]anastomosis b-ps vkwijs ku) :-10]000@ 13) gkvz OgkWYOg vkwijs ku :-10]000@ 14) fyogj VªkUlIykaV :-15]000@ vu; dks.krkgh xahkhj vktkj fdaok [kfpzd kl=fd;s lkbh :-10]000@ 3) vwuthvksiyklvh :-10]000@ 6) fdmuh VªkUlIykUV :-15]000@ 9) ;qjhujh LVksu@xkWyCysaMj LVksu b- ps vkwijs ku :-2]500@ 12) lka/ks jksi.k (Joint Replacement) :-10]000@ 2) mijksdr fud kkaisdh dkgh os fd; dkj.ks iqugk iqugk gks.;kph kd;rk vlrs (recurring type) rjh mijksdr loz fud kkalkbh,d lhkkln fdaok ykhkkfkhz,dnkp enr feg.ks lkbh ik= jkfgy- 3) ik= lhkklnkus vkwijs ku >ky;kp;k rkj[ks iklwu rhu efgu;kps vkr vtz djko;kpk vkgs vtkzlkscr MkWDVjkaps izek.ki= tksmkos- ojhy jksxka O;frfjDr vu; jksxka lkbh enr ns.;kpk o enrhph jdde Bjfo.;kpk vf/kdkj lapkyd eamgkl jkghy i.k rh jdde :-10]000@ is{kk vf/kd ulsy- fo kfkhz izkfo.; iqjldkj o fo ks k izksrlkgu iqjldkj % 1) ;klkbh b;rrk 10 oh fdaok 12 oh ijh{ksr dks.kr;kgh kk[kse/ks 70% is{kk tklr xq.k o izfke iz;rukr mrrh.kz >kysy;k lhkklnkl fdaok R;kP;k iky;kl jks[k :-500@ (:-ikp ks ek=) xksjo fpug o :-200@ i;zr ps,[kkns iqlrd vlk fo kfkhz xksjo iqjldkj fnyk tkbzy- fo kfkhz izkfo.; iqjldkj kd;rks ijh{ksp;k fudkyk uarj P;k okf kzd loz lk/kkj.k lhksr fnys tkrhy- R;kpizek.ks,[kk k lhkklnkp;k iky;kus fo ks k kk[ksrhy vh;kldze iw.kz dsyk vlsy rj R;kyklq/nk fo kfkhz xksjo iqjldkj fnys tkrhy-

6 2) ;k iqjldkjklkbh pkyw ks{kf.kd o kkzr ijh{kk fnysyh vl.ks vko ;d vkgs- Lor% vtznkj fdaok vkbz fdaok ofmy c dsps lhkkln vl.ks vko ;d vkgs- 3) ;k iqjldkjklkbh dks.krkgh lhkkln fdaok R;kpk iky; jkt; fdaok jk Vªh; Lrjkoj eku;rk izkir [ksgkmw Eg.kwu [ksgy;kl R;kyk jks[k :-2]500@ o vkarjjk Vªh; Lrjkoj ns kkps izfrfu/khro dsy;kl R;kyk jks[k :-5]000@ pk xksjo iqjldkj ns.;kr ;sbzy- 4) ;klkbh dks.kr;kgh lhkkln fdaok R;kP;k iky;kus vyksfdd dkefxjh mnk-vavkfvzdk,dlihfm ku] dks.krkgh fo o fodze] kks;kz laca/kkrhy dks.krhgh dkefxjh dsy;kl R;kyk :-5]000@ pk xksjo iqjldkj ns.;kr ;sbzy- vyksdhd dkefxjh Bjfo.;kpk vf/kdkj lapkyd eamgkl jkfgy- c dsp;k lhkklnkauk ojhy izek.ks lhkkln dy;k.k ;kstukapk Qk;nk feg.;klkbh loz lhkklnkauh lrdz jkgwu c dsp;k eq[; dk;kzy;kr izr;{k HksVwu ys[kh ok i=konkjs ekfgrh koh ts.ks d:u vf/kdkf/kd lhkkln ;k ;kstuspk ykhk?kså kdrhy-

7 izsj.kk Prerana dks vkwi c d fy. CO-OP BANK LTD. eq[; dk;kzy; % y{e.kuxj] Mkaxs pksd] Fksjxkao] iq.ks lhkkln dy;k.k fu/khrwu feg.kk ;k enrhlkbh lhkklnkus djko;kpk vtz kk[kk % fnukad % ek-v/;{k izsj.kk dks vkwi c d fyeq[; dk;kzy;] y{e.kuxj Fksjxkao] iq.ks egksn;] fo"k; % lhkkln dy;k.k fu/khrwu enr feg.ks ckcr- eh vkiy;k c dspk fu;fer lhkkln vlwu c dsp;k lhkkln dy;k.k fu/khrwu enr feg.;klkbh eh vki.kkdms iq<hy izek.ks vtz djhr vkgs- 1) izfke lhkklnkps uko o irrk o laidz dzekad % ) lhkkln dzekad % lhkkln rkjh[k % Hkkx HkkaMoy % 3) ykhkkfkhz O;Drhps ukao % lhkklnk kh vlysys ukrs % o; % v-d vkffkzd enrhpk izdkj dkj.k ekx.kh jdde :- v) vdfler vkffkzd enr c) lkeku; vkffkzd enr d) fo kfkhz izkfo.; o fo ks k izksrlkgu iqjldkj 4) kk[kk % [kkrs izdkj % [kkrs dzekad % fo'ks k [kqyklk (vko ;d vly;kl) vtkzlkscr QksVk ID irr;kpk iqjkok o Hkkx nk[ky;kph >sjkwdl izr tksmyh vkgs- lhkklnkph lgh