Directors Report-Hindi.pmd - Domain-b

Annual Report 2006-07

IDBI - BroadeningHorizonsAfter helping build a modern andindustrially buoyant India andsupporting the dreams of CorporateIndia to its fruition, in every possibleway, for over 40 years, we are nowreaching out over a broader operatingcanvas. As a new generation, fullservicecommercial bank, geared tofulfill our next commitment, to thepeople of India. Our odyssey has justbegun. In the quest for inclusivebanking, pervasive growth andunbounded prosperity. To make everyhardworking Indian realise his dreams,in our own special way. Blendinginnovative products with customerfriendlytechnology. To bring a lastingsmile to your face. As your trustedpartner in progress, wherever you are,whatever you are.

VISION" To be the trusted partner in progress byleveraging quality human capital and settingglobal standards of excellence to build the mostvalued financial conglomerate."

IDBI : TOUCHING THE LIVES OF PEOPLEAt IDBI, we have always strived to touch every aspect of ourcustomers' lives through each activity and initiative. Reaching outacross the country with increased presence and advancedcustomer-friendly products. Today, these innovative andcustomized products cater to every segment of society. Backedby a youthful and highly experienced workforce, cutting-edgetechnology, efficient systems and customer services that meethigh standards, resulting in an ever-expanding happy family ofIDBI customers. Not merely offering financial services - touchingpeople's lives.

Shri V.P. Shetty, CMD, IDBI and Chairman, Indian Banks' Association,presenting a bouquet to Hon'ble Finance Minister Shri P.Chidambaram at a Meeting of CEOs of all Public Sector Banks withthe Finance Minister.Shri V.P. Shetty, CMD, IDBI and Shri Sanjay Sharma, Adviser (IT),IDBI receiving the Awards for “Best Internet Bank for CorporateCustomers” and for the "IT Team of the Year” from Dr. Y.V. Reddy,Governor, RBI, at the Institute for Development and Research inBanking Technology (IDRBT), Hyderabad.Shri V. P. Shetty CMD, IDBI and Shri Jitender Balakrishnan, DMD,IDBI along with Shri T. S. Vijayan, Chairman, LIC at the signing of theMOU between IDBI and LIC for co-financing of long gestationprojects.Shri V.P. Shetty, CMD, IDBI, Shri M. Venugopalan, Chairman, FederalBank and Mr. Peer Van Harten, CEO, Fortis Insurance, signed a JointVenture Agreement to establish a new Life Insurance company. ShriO.V Bundellu, DMD, IDBI, was present on the occasion.

Shri V.P. Shetty, CMD, IDBI addressing the media at Satara onOctober 3, 2006, the effective date of amalgamation of the erstwhileThe United Western Bank Ltd. with IDBI.At a Home Loan exhibition in Mumbai, our dedicated customerservice executive provides information to a prospective customerabout various schemes and procedures.Shri Pradip Roy, Executive Director, IDBI and Mr. Christian Haas,Director, KFW Office, New Delhi exchanging the signed MoU tojointly assist CDM projects in the presence of Shri JitenderBalakrishnan, DMD, IDBI.Shri O.V.Bundellu, DMD, IDBI and Ms. Gwynne J. Master, ManagingDirector, Regional Manager Southeast Asia,Wachovia Bank, NA afterexecution of Loan Agreementfor JPY loan equivalent to USD 100mn.

Shri V.P. Shetty, CMD, IDBI receiving the 'Bilingual HouseMagazine' Award for the Bank's house journal 'Shree Vayam'from Dr. Y. V. Reddy, Governor, RBI. Shri V. Leeladhar,Dy. Governor, RBI was present on the occasion.Shri V.P. Shetty, CMD, IDBI, with one of our long-standing and loyalcustomers at Satara on October 3, 2006, the effective date ofamalgamation of the erstwhile The United Western Bank Ltd. withIDBI.In tune with the Bank's commitment to the people, Shri K.D.Hodavdekar, CGM-IDBI along with senior Govt. officialsdistributing prizes at a function organized by Mahila Arthik VikasMahamandal, Satara.Shri V.P. Shetty, CMD, IDBI, during the Festival Cricket Matchbetween CMD XI v/s Sports Club President XI.

BOARD OF DIRECTORS

PRINCIPAL OFFICERS(as on May 14, 2007)/ Executive DirectorsShri Pradip Roy Shri B. P. Singh Shri B. Ravindranath Shri Siby Antony/ Other Principal Officers *Shri Iswar C. AgastiShri L. P. AggarwalShri S. AnanthakrishnanShri S. AndiShri S. N. BahetiShri T. R. BajaliaShri Balkrishan BatraShri Sohrab ChinoyShri R. DamodaranShri K. D. HodavdekarShri D. C. JainShri K. C. JaniSmt. Medha JoshiShri D. K. KambaleShri R. K. KapoorShri M. Chittaranjan KumarShri Viney KumarShri B. P. MandalDr. T. K. MukhopadhyayShri P. V. NaikShri R. NarasimhanShri C. P. PhilipShri K. P. RamakrishnanShri A. V. RammurtyShri J. K. RayShri R. C. RazdanShri V. K. SaxenaShri Deepak V. ShimpiShri Akhauri Rajesh SinhaShri S. K. V. SrinivasanShri U. VenkataramanCapt. T. VenugopalIn alphabetical order

Chairman and Managing Director

From the CMD's DeskDear Shareholders,I am happy to share with you the good performance of the Bank forthe year ended March 31, 2007. The Bank successfully added severalmilestones during the last year and in the process earned a place inthe top league of the Public Sector Banks achieving more than Rs. onelakh crore of business. It is a matter of great satisfaction that the Bankhas maintained the pace and tempo of growth in many parametersand is emerging strong and also scaling new heights of all-roundperformance.We resolutely pursued a three-pronged strategy involving organic &inorganic growth as also diversification. The amalgamation of theerstwhile The United Western Bank Ltd. [UWB] with your Bank inOctober 2006 is as a part of the inorganic growth strategy. We standcommitted to leveraging the virtuous combination of highly skilledworkforce, state-of-the-art technology platform and robust businessstrategy to provide world-class financial solutions and services toIndian and global customers.In our quest for growth and accomplishing our long-term businessgoals, we have expanded our business horizon through introduction ofnew products as also further sharpening the existing offerings to ourcustomers. Your Bank has also diversified into related areas within thefinancial sector. Let me assure you that your Bank has theorganizational capability to steer each of these new lines of businessto leadership positions in their respective fields.In consonance with its mandate, your Bank will continue to play aseminal role in creation of productive assets in the economy. We haveformulated an ambitious business plan for 2007-08 in such a way as toensure that the Bank grows organically and generates stakeholders'value, on a sustainable basis, over the planning horizon. I may add thatyour Bank will not hesitate in seizing any opportunity of inorganicgrowth arising in the banking sector. The transformation of your Bankfrom a Development Financial Institution to a major financial serviceprovider is already discernible.I firmly believe that the pre-eminent position of your Bank today isdue to your continued faith and support to us. All business decisionsat your Bank are governed by the principle of creating stakeholders'value. I would like to express sincere gratitude on behalf of the Boardof Directors and on my own behalf to you and other stakeholders. Inkeeping with our tagline "Aao Sochein Bada", we would continue tobe counted amongst the pre-eminent banks in the country and in thisjourney together we would strive to reach greater heights.With warm regards,April 20, 2007V.P. ShettyCMD

IDBI IN THE NEWS

191217192324333665117CONTENTS5 Directors' ReportManagement Discussion & Analysis37 Business Environment40 Business Review45 Risk Management47 Management, Controls and Systems51 Information Technology52 Corporate Governance61 Performance of Subsidiary Organisations64 Future ProspectsAccounts65 Accounts of IDBI Ltd.117 Consolidated Accounts

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òÐðÇ÷äð¨îð÷ü ¨îó òÜÑðð÷¾á : 2006-07¡ðÑð¨÷î ×ðøÈ¨î ¨÷î òÐðÇ÷äð¨î ÙðüÀâð ¨îð÷ 31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃðòãðÄðóÚð ãðæðá ¨÷î ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¨îðÜð÷×ððÜ ¡ðøÜ ÑðòÜμððâðÐðð÷ü ÑðÜ¡ÑðÐðó òÜÑðð÷¾á ÑßçÃðôÃð ¨îÜÃð÷ èô¦ ÑßçðÐÐðÃðð èø. ýçð òÜÑðð÷¾á Ùð÷ü ÑßçÃðôÃðòãðÄðóÚð ¸ððÐð¨îðÜó ×ðøȨî¨îðÜó òãðòÐðÚðÙðÐð ¡òÏðòÐðÚðÙð, 1949 ÎðÜðòÐðÏððáòÜÃð ÑßÞÑð ¦ãðü òãðæðÚðãðçÃðô ¨÷î ¡ÐðôçððÜ èø.çðÙðóêððÏðóÐð ¡ãðòÏð ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøÈ¨î ¨îó òãðÄðóÚð òãðäð÷æðÃðð¦üÃððòâð¨îð 1 Ùð÷ü Çó ±ðýá èøü.òãðÄðóÚð ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¨ôîâð ¡ðòçÃðÚððü 1,00,000¨îÜð÷Àÿ ÝÑðÚð÷ ¨÷î çÃðÜ ¨îð÷ ÑððÜ ¨îÜ ±ðýáü ¡ðøÜ Ùððμðá 2007 ¨÷î ¡üÃðÙð÷ü 1,03,839 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îó Ððýá ¤üμððýá Ãð¨î Ñðèôüμð ±ðýáü. Úðè¡ð±ð÷áòÐð¨î ¡ðøÜ ýÐð¡ð±ð÷áòÐð¨î Çð÷Ððð÷ü ÃðÜè çð÷ ÑßðÑÃð âððØðð÷ü çð÷ çðüØðãðèð÷ ÑððÚðð èø. òãðÄðóÚð ãðæðá 2007 ¨÷î ¡üÃð Ùð÷ü ¨ôîâð ¸ðÙððÜðòäðÚððü43,354 ¨îÜð÷Àÿ ÝÑðÚð÷ ÜèóÈ ò¸ðÐðÙð÷ü 66.7% ¨îó ¡μó ãðöòÊ èôýá.¡ðÑð¨÷î ×ðøȨî Ðð÷ òãðÄðóÚð ãðæðá ¨÷î ÇðøÜðÐð ×ððüÀð÷ü ÑðÜ òÐðØðáÜÃðð ¨îÙð ¨îÜÐð÷¨÷î ¡ÑðÐð÷ ÑßÚððçð ¸ððÜó Ü®ð÷. 31 Ùððμðá 2007 ¨îð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î¨ôîâð ¡ò±ßÙð 62,471 ¨îÜð÷Àÿ ÝÑðÚð÷ Üè÷ ¸ðð÷ 18.5% ¨îó ãðöòÊ ÇÜÇäððáÃð÷ èøÈ. ãðæðá 2006-07 ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¨ôîâð ¨îðÜð÷×ððÜ(¡ò±ßÙð ¡ðøÜ ¸ðÙðð ÜðòäðÚððü) Ùð÷ü 34.4% ¨îó ãðöòÊ èôýá ¡ðøÜ Úðè1,05,824.8 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨÷î çÃðÜ ÑðÜ Ñðèôûμð ±ðÚðð.âððØð ¦ãðü òãðòÐðÚðð÷±ð¡Ñßøâð 2006-Ùððμðá 2007 ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî ÎðÜð ¡ò¸ðáÃðçð¨îâð ¡ðÚð 7372.6 ¨îÜð÷Àÿ ÝÑðÚð÷ Üèó ò¸ðçðÙð÷ü ×Úðð¸ð ¡ðÚð ¨÷î6345.4 ¨îÜð÷Àÿ ÝÑðÚð÷ ÃðÆðð ¡ÐÚð ¡ðÚð ¨÷î 1027.2 ¨îÜð÷Àÿ ÝÑðÚð÷äððòÙðâð èøÈ. ãðæðá ¨÷î ÇðøÜðÐð 276.3 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨÷î ÑßðãðÏððÐð ò¨îÚð÷±ðÚð÷ ò¸ðÐðÙð÷ü ¡äðð÷ÏÚð ¡ðøÜ çðüòDZÏð ¥Âðð÷ü ÃðÆðð òÐðãð÷äðð÷ü ¨÷î òâð¦224.0 ¨îÜð÷Àÿ ÝÑðÚð÷ ¡ðøÜ ¨îÜ ¨÷î òâð¦ 52.3 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨÷îÑßðãðÏððÐð äððòÙðâð èøÈ. 224.0 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îð ÑßðãðÏððÐð (¡äðð÷ÏÚð¡ðøÜ çðüòDZÏð ¥Âðð÷ü ÃðÆðð òÐðãð÷äð ¨÷î òâð¦) ¨îÜÐð÷ ¨÷î ×ððÇ òÐðãðâðÃððòâð¨îð 1 : òãðÄðóÚð òãðäð÷æðÃðð¦ü(¨îÜð÷Àÿ ÝÑðÚð÷)òãðãðÜÂðãðæðá ¨÷î ¡üÃð Ùð÷ü 2005-06 2006-07Ñðõü¸ðó 723.8 724.4¸ðÙððÜðòäðÚððü 5648.3 7575.5£ÏððÜ ÜðòäðÚððü 26,000.9 43,354.0òܺðãðá ¡ðøÜ ¡òÏðäð÷æð 47,530.2 42,404.4¡ÐÚð Ç÷ÚðÃðð¦ü ¡ðøÜ ÑßðãðÏððÐð 8661.6 9781.0¨ôîâð Ç÷ÚðÃðð¦ü 88,564.8 1,03,839.3Ðð¨îÇ ¡ðøÜ òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æð 2680.1 5406.5×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð ¡ðøÜ Ùððü±ð ÃðÆðð ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð 2682.7 1504.6òÐðãð÷äð 25,350.5 25,675.3¡ò±ßÙð 52,739.1 62,470.8¡μðâð ¡ðøÜ ¡ÐÚð ¡ðòçÃðÚððü 5112.4 8782.1¨ôîâð ¡ðòçÃðÚððü 88,564.8 1,03,839.3ýçð ¡ãðòÏð Ùð÷ü 2005-06 2006-07¨ôîâð ¡ðÚð (¡äðð÷ÏÚð ¡ðøÜ çðüòDZÏð ¥Âðð÷ü ÃðÆðð òÐðãð÷äðð÷ü ¨÷î òâð¦ ÑßðãðÏððÐð ³ð¾ð¨îÜ) 6448.7 7148.6¨ôîâð ãÚðÚð 5860.3 6466.0¨îÜ-Ñðõãðá âððØð 588.3 682.6¨îÜ ¨÷î òâð¦ ÑßðãðÏððÐð 27.4 52.3¨îÜ-ÑðäμððÃðþ âððØð 560.9 630.31Directors Report-Hindi.pmd117-May-07, 5:22 PM

¡ðÚð 7148.6 ¨îÜð÷Àÿ ÝÑðÚð÷ Üèó. ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøÈ¨î ¨îð¨ôîâð ãÚðÚð, ÑßðãðÏððÐðð÷ü ¦ãðü ¡ð¨îòçÙð¨îÃðð¡ð÷ü ¨îð÷ ð÷Àÿ¨îÜ, 6466.0¨îÜð÷Àÿ ÝÑðÚð÷ Üèð ò¸ðçðÙð÷ü 5687.5 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îð ×Úðð¸ð ®ðμðá¦ãðü 778.5 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨÷î ÑðòÜμððâðÐð çðü×ðüÏðó ®ðμðá äððòÙðâð èøÈ.ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ 682.6 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îð ¨îÜ-ÑðõãðáâððØð èô¡ð. ¨îÜðÏððÐð ¨÷î òâð¦ 52.3 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îð ÑßðãðÏððÐð ¨îÜÐð÷¨÷î ×ððÇ ¨îÜ-ÑðäμððÃðþ âððØð 630.3 ¨îÜð÷Àÿ ÝÑðÚð÷ Üèð. òÐðÇ÷äð¨î ÙðüÀâðÎðÜð ¡ÐðôÙðð÷òÇÃð ¨îÜ-ÑðäμððÃðþ âððØð ¨îð òãðòÐðÚðð÷±ð Ãððòâð¨îð-2 Ùð÷üòÇÚðð ±ðÚðð èø.ãðæðá ¨÷î ÇðøÜðÐð 10 ÝÑðÚð÷ ¡üò¨îÃð ÙðõâÚð ¨÷î ÑßÃÚð÷¨î äð÷ÚðÜ ¨÷î òâð¦ÑßòÃð äð÷ÚðÜ ¡ðÚð (ýáÑðó¦çð) 8.7 ÝÑðÚð÷ Üèó ¡ðøÜ Ùððμðá 2007 ¨÷î ¡üÃðÙð÷ü ÑßòÃð äð÷ÚðÜ ×ðèó ÙðõâÚð 85.6 ÝÑðÚð÷ Üèð. òÐðÇ÷äð¨îð÷ü Ðð÷ òãðÄðóÚðãðæðá 2006-07 ¨÷î òâð¦ ÑðõÂðáÃð: ÑßÇÄð ýò©ãð¾ó Ñðõü¸ðó ÑðÜ 15% âððØððüäð¨îó òçðÒîðòÜäð ¨îó èø.Ñðüõ¸ðó ÑðÚððáÑÃðÃðð¡ðÑð¨÷î ×ðøȨî Ðð÷ ¡ÑðÐðð Ñðõü¸ðó ¡ðÏððÜ çðôÇöÁÿ ×ðÐððÚð÷ Ü®ðð ¸ðð÷ ýçð¨÷îÑðõü¸ðó ÑðÚððáÑÃðÃðð ¡ÐðôÑððÃð (çðó¦¡ðÜ) çð÷ ÑðÃðð μðâðÃðð èø. òܺðãðá ×ðøȨîÎðÜð òÐðÏððáòÜÃð 9% ¨÷î ÙððÐðÇüÀ ¨îó ÃðôâðÐðð Ùð÷ü Ùððμðá 2007 ¨÷î ¡üÃðÙð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨îð Ñðõü¸ðó ÑðÚððáÑÃðÃðð ¡ÐðôÑððÃð 13.7% Üèð. ¾óÚðÜ-IÑðõü¸ðó ÑðÚððáÑÃðÃðð ¡ÐðôÑððÃð Øðó 9.1% ¨÷î £μμð çÃðÜ ÑðÜ Üèð. èðâððüò¨îãðÃðáÙððÐð ¨îðÜð÷×ððÜó ¸ðÞÜÃðð÷üü ¨÷î òâð¦ Ñðõü¸ðó ¨îð Úðè çÃðÜ ÑðÚððáÑÃð èøòÒîÜ Øðó ¡ðÑð¨îð ×ðøȨî âð±ððÃððÜ Úðè çðôòÐðòäμðÃð ¨îÜ÷±ðð ò¨î ¡ÑðÐðóÇó³ðá¨îðòâð¨î ¨îðÜð÷×ððÜó Úðð÷¸ðÐðð¡ð÷ü ¨îó çðèðÚðÃðð ¨÷î òâð¦ Ñðõü¸ðóÑðÚððáÑÃð èø ¡ðøÜ ýçð¨îó âðð±ðÃð ¨îð÷ ýæ¾ÃðÙð ¨îÜÐð÷ ¨÷î òâð¦ ýçð¨îðÑßØððãðó ÞÑð çð÷ òÐðãð÷äð ò¨îÚðð ±ðÚðð èø. ýçð çðü×ðüÏð Ùð÷ü ¡ðÑð¨÷î ×ðøȨîÐð÷ ×ððçð÷âð-II Áðûμð÷ ¨îð Øðó ¡ÐðôÑððâðÐð çðôòÐðòäμðÃð ¨îÜÐð÷ ¨÷î òâð¦ÃðÃÑðÜÃððÑðõãðá¨î ¨îÇÙ𠣿ðÚð÷ èøÈ.¨îðÜð÷×ððÜó ÜÂðÐðóòÃðýçð ãðæðá ¡ðÑð¨÷î ×ðøȨî Ùð÷ü ÑðõãðáãðÃðóá òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð.(ÚðõÀ×âÚðõ×ðó) ¨îð çðÙððÙð÷âðÐð èô¡ð ò¸ðçð¨îó ÑßØððãðó ÃððÜó®ð 3 ¡©Ãðõ×ðÜ2006 Æðó. ýçðçð÷ âð³ðô ÃðÆðð Ùð»ðð÷âð÷ £ÌðÙðð÷ü (¦çð¦Ùðýá) ¦ãðü ¨öîòæð-¨îðÜð÷×ððÜ çðòèÃ𠦨î òãðòãðÏðó¨öîÃð ¨îðÜð÷×ððÜó Ñðð÷¾áÒîð÷òâðÚðð÷, ±ßðÙðóÂð¦ãðü ¡Ïðá-äðèÜó êð÷ëðð÷ü çðòèÃð ãÚððÑð¨î äðð®ðð Ðð÷¾ãð¨áî ¡ðøÜ ¨ôîäðâð¦ãðü ¡ÐðôØðãðó ÙððÐðãð çðüçððÏðÐðð÷ü ¨îð âððØð ÑßðÑÃð èô¡ð èø. ¡Ãð: ýçðçðÙððÙð÷âðÐð çð÷ ¡ÑðÐðó ¨îðÜð÷×ððÜó ÜÂðÐðóòÃð ¨îð÷ ¡òÏð¨î ÑßØððãðäððâðóÁü±ð çð÷ ¡ð±ð÷ ×ðÁÿðÐð÷ ¨÷î ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ÑßÚððçðð÷ü ¨îð÷ ×ðâð òÙðâðð.çðÙðóêððÏðóÐð ¡ãðòÏð ¨÷î ÇðøÜðÐð ¡ðÑð¨îð ×ðøȨî ÃðôâðÐð-Ñðëð ¨÷î Çð÷Ððð÷üÑðêðð÷ü Ùð÷ü çðüÃðôòâðÃð ®ðôÇÜð ãðöòÊ ¨÷î ¸ðòÜÚð÷ ¡ðòçÃð ¦ãðü Ç÷ÚðÃðð,Çð÷Ððð÷ü ¡ðÏððÜð÷ü ¨÷î òãðäðð®ðÐð Ùð÷ü âð±ðð Üèð, çððÆð èó ¨îðÜð÷×ððÜ ¦ãðüÐð÷¾ãð¨áî, Çð÷Ððð÷ü ¨÷î òãðçÃððÜ ÑðÜ Øðó ÏÚððÐð ¨÷üòÍÃð Ü®ðð. ¸ðèðü ¨îðÚðáäðóâðÑðõü¸ðó çðèðÚðÃðð Ùð÷ü ãðöòÊ ¨îÜÐð÷ ¡ðøÜ ¦çð¦Ùðýá Ñðð÷¾áÒîð÷òâðÚðð÷ ×ðÐððÐð÷ÑðÜ ×ðâð òÇÚðð ±ðÚðð, ãðèóÈ Ç÷ÚðÃðð Ñðêð Ùð÷ü ¸ðÙððÜðòäðÚðð÷ü ¨÷î çðü±ßèÂðÙð÷ü ãðöòÊ ¨îܨ÷î £ÏððÜ ÜðòäðÚðð÷ü ÑðÜ òÐðØðáÜÃðð ¨îÙð ¨îÜÐð÷ ¨îó òÇäððÃððòâð¨îð 2 : âððØð ¨îð òãðòÐðÚðð÷±ð(¨îÜð÷Àÿ ÝÑðÚð÷)òãðãðÜÂð 2005-06 2006-07ãðæðá ¨îð òÐðãðâð âððØð/(èðòÐð) 560.9 630.3¡ð±ð÷ âððÚðð ±ðÚðð âððØð/(èðòÐð) 787.4 1030.7òÐðãð÷äð ³ð¾-×ðÁÿ òܺðãðá ¨îó äð÷æð Üðòäð ¡üÃðòÜÃð 392.0 —¡ðýáÀó×ðó¡ðýá ¦ò©¸ð«Ùð (¸ð÷) çÑð÷äðâð ÒüîÀ — 1.7òãðòÐðÚðð÷±ð ¨÷î òâ𦠣Ñðâð×Ïð âððØð 1740.3 1662.7òãðòÐðÚðð÷±ðçððüòãðòÏð¨î òܺðãðá Ùð÷ü ¡üÃðòÜÃð 140.2 158.0Ñðõû¸ðó òܺðãðá Ùð÷ü ¡üÃðòÜÃð — 11.0çððÙððÐÚð òܺðãðá Ùð÷ü ¡üÃðòÜÃð 392.0 1.7¡ðÚð-¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 36(1)(viii) ¨÷î ¡ÏðóÐð çðöò¸ðÃð ¦ãðü ¡ÐðôÜòêðÃð òãðäð÷æð òܺðãðá Ùð÷ü ¡üÃðòÜÃð 50.0 50.0ç¾ðÒî ¨îâÚððÂð òÐðòÏð Ùð÷ü ¡üÃðòÜÃð 3.5 —±ðÃð òãðÄðóÚð ãðæðá ¨îð âððØððüäð 0.1 —âððØððüäð- ýò©ãð¾ó äð÷ÚðÜ 108.6 108.7- ÑßçÃððòãðÃð âððØððüäð ÑðÜ ¨îÜ 15.2 18.5ÃðôâðÐð-Ñðëð Ùð÷ü âð÷ ¸ððÚðð ±ðÚðð äð÷æð âððØð 1030.7 1314.92Directors Report-Hindi.pmd217-May-07, 5:22 PM

Ùð÷ü ÑßÚððçð ¸ððÜó Ü®ð÷ ±ðÚð÷. ¡òçÆðÜ ¦ãðü ÑßòÃðçÑðÏðóá ×ðð¸ððÜ ÙððèðøâðÙð÷ü ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¨îðÜð÷×ððÜ Ùð÷ü ãðöòÊ çðôòÐðòäμðÃð ¨îÜÐð÷ ¨÷î òâð¦çðÃðÃð ÞÑð çð÷ £ÑðÚðô©Ãð ÜÂðÐðóòÃðÚððü ÃðøÚððÜ ¨îóÈ. Ñðõü¸ðó ×ðð¸ððÜ Ùð÷üÃð÷¸ðó ¨îð âððØ𠣿ð¨îÜ ¦ãðü çððÆð èó Òîóçð-¡ðÏððòÜÃð ¡ðÚð ÑðÜ×ðâð Ç÷¨îÜ ±ðøÜ-×Úðð¸ð ¡ðÚð ¨îð÷ ×ðÁÿðÐð÷ ¨÷î òâð¦ Øðó ¨îÇÙ𠣿ðÚð÷±ðÚð÷.ãððòÂðò¸Úð¨î ×ðøÈ¨î ¨÷î ÞÑð Ùð÷ü ÞÑððüÃðÜÂð ¨÷î çððÆð èó ¡ðÑð¨îð ×ðøȨî¡ÑðÐð÷ ¸ðÙðð ¡ðÏððÜ, òãðäð÷æð¨îÜ μððâðõ/×ðμðÃð ®ððÃðð÷ü ¨÷î ¡üÃð±ðáÃð,¨îð÷ ×ðÁÿð¨îÜ òÐðòÏðÚðð÷ü ¨îó âðð±ðÃð Ùð÷ü ¨îÙðó ¨îÜÐð÷ ÑðÜ ÏÚððÐð Ç÷Üèð èø. ×ðøÈ¨î ¨îó ¡ðÏððÜ Ùðõâð £ÏððÜ ÇÜ (×ðóÑðó¦âð¡ðÜ) ¨îð÷ Øðó×Úðð¸ð ÇÜ Ùð÷ü £ÃððÜ-μðÁÿðãð ¨÷î ¡ÐðôÞÑð ×ðÐððÚðð ±ðÚðð. ÑðÜçÑðÜò×ðªîó¨÷î ×ðÁÿÃð÷ ¡ãðçðÜð÷ü ¨îð÷ Ç÷®ðÃð÷ èô¦ ¡ðÑð¨îð ×ðøȨî Òîóçð ¡ðÚðÑðÜ ÏÚððÐð ¨÷îòÐÍÃð ¨îÜ ¡ÑðÐð÷ ¡ðÚð ÙððùÀâð ¨îð÷ ãÚððÑð¨î ×ðÐððÐððμððèÃðð èø. ¡ðÑð¨îð ×ðøȨî òãðÇ÷äð Ùð÷ü Øðó ¨îðÚððáâðÚð ®ðð÷âðÐð÷ ¨îóÃðøÚððÜó ¨îÜ Üèð èø. ýÐð çð×ð¨îð òÙðåÂð Úðè çðôòÐðòäμðÃð ¨îÜ÷±ððò¨î ¡ðÑð¨îð ×ðøȨî Çó³ðá¨îðòâð¨î ¦ãðü çðÃðÃð òãð¨îðçð ÑðÆð ÑðÜ çãðÚðü¨îð÷ Ùð¸ð×ðõÃðó ¨÷î çððÆð ¡ð±ð÷ ×ðÁÿðÃðð èø.ÐðÚð÷ ¨îðÜð÷×ððÜó Ñðèâð ¨îðÚðá¡ðÑð¨÷î ×ðøȨî Ðð÷ ¸ðóãðÐð ×ðóÙðð ¨îðÜð÷×ððÜ ¨÷î êð÷ëð Ùð÷ü Ñßãð÷äð ¨îÜÐð÷ ¨îðòÐðÂðáÚð òâðÚðð èø ò¸ðçð¨÷î ¡ÐðôçðÜÂð Ùð÷ü Ððãðü×ðÜ 2006 Ùð÷ü Òîð÷ò¾áçðýüäÚðð÷Ü÷üçð ýü¾ÜÐð÷äðÐðâð ¦Ðð.ãðó. (Òîð÷ò¾áçð) ¡ðøÜ Ò÷îÀÜâð ×ðøȨî òâð. ¨÷îçððÆð çðüÚðô©Ãð £ÌðÙð ¨îÜðÜ ÑðÜ èçÃððêðÜ ò¨îÚð÷ ±ðÚð÷. Òîð÷ò¾áç𠦨î¡üÃðÜðáæ¾àóÚð òãðÄðóÚð çð÷ãðð ÑßÇðÃðð èø ¸ðð÷ ×ðøÈò¨üî±ð ¦ãðü ×ðóÙðð ¨÷î êð÷ëðÙð÷ü çðòªîÚð èø. Úðè ÚðõÜð÷Ñð ¨îó äðóæðá òãðÄðóÚð çðüçÆðð¡ð÷÷ü Ùð÷ü çð÷ ¦¨îèø. Ò÷îÀÜâð ×ðøȨî òÐð¸ðó êð÷ëð ¨î𠦨î ÑßÙðô®ð ×ðøȨî èø ò¸ðçð¨îó 450çð÷ Øðó ¡òÏð¨î äðð®ðð¦ü èøÈ ¡ðøÜ Ùð¸ð×ðõÃð ¡òÐðãððçðó ØððÜÃðóÚð Ô÷üîμððý¸ðèø. Ððýá ¸ðóãðÐð ×ðóÙðð ¨üîÑðÐðó Ðð÷ ¨üîÑðÐðó Üò¸ðç¾àðÜ, Ùðôü×ðýá çð÷ ¨îðÜð÷×ððÜ¡ðÜüØð ¨îÜÐð÷ ¨îð ÑßÙððÂð Ñðëð ÑßðÑÃð ¨îÜ òâðÚðð èø ¡ðøÜ ¸ðóãðÐð ×ðóÙðð¨üîÑðÐðó ¨÷î ÞÑð Ùð÷ü ÑßðòÏð¨öîÃð ¨îÜÐð÷ ¨÷î òâð¦ ×ðóÙðð òãðòÐðÚððÙð¨î ¦ãðüòãð¨îðçð ÑßðòÏð¨îÜÂð (¡ðýá¡ðÜÀó¦) ¨÷î Ñððçð ¡ðãð÷ÇÐð ÑßçÃðôÃð ò¨îÚððèø. Úðè ¨üîÑðÐðó ¸ðóãðÐð ×ðóÙðð ¨îðÜð÷×ððÜ ¨÷î çðö¸ðÐð, òãðÃðÜÂð ¦ãðüèðÙðóÇðÜó ¨îð ¨îðÜð÷×ððÜ ¨îÜ÷±ðó ò¸ðçðÙð÷ü ¡ðüÃðòÜ¨î ¡ðòçÃð Ñß×ðüÏð¨îðÚðá¨îâððÑð äððòÙðâð èøÈ ¡ðøÜ çððÆð èó Úðè ×ðøȨ÷îäÚðð÷Ü÷üçð, ¦¸ð÷üçðó /ÑßÃÚðêð ò×ðªîó ¡ðøÜ ¡ÐÚð μðøÐðâðð÷ü çðòèÃð ×ðèô-òãðÃðÜÂð ÙððùÀâð ØðóÃðøÚððÜ ¨îÜ÷±ðó. ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî Ðð÷ ÑßðýÙðÜó ÀóâðÜòäðÑð(ÑðóÀó) ¨îðÜð÷×ððÜ ¨îÜÐð÷ ¨÷î òâð¦ ÑðõÂðáÃð: çãððòÙðÃãðãððâðó çðèðÚð¨îçðüçÆðð ¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð. Øðó òÐð±ðòÙðÃð ¨îó.çðüçÆðð±ðÃð çðüÜμðÐððÚðõÀ×âÚðõ×ðó ¨÷î çðÙððÙð÷âðÐð ¨÷î ÑðòÜÂððÙð çãðÞÑð ¡ðÑð¨÷î ×ðøȨî Ðð÷ 229äðð®ðð¦ü, 14 ¦©çð¾÷üäðÐð ¨îð£ü¾Ü ¦ãðü 78 ¡ðù¾ð÷Ùð÷¾÷À ¾÷âðÜ ÙðäðóÐð÷ü(¦¾ó¦Ùð) ¡òÏð±ðöèóÃð ¨îóÈ ò¸ðçðçð÷ òãðäð÷æð¨îÜ ÙðèðÜðæ¾à Üð¸Úð Ùð÷ü ýçð¨îó£ÑðòçÆðòÃð ¡ÃÚðòÏð¨î ×ðÁÿ ±ðýá èø. ÑðõãðáãðÃðóá ÚðõÀ×âÚðõ×ðó ¨îð äðð®ðð Ðð÷¾ãð¨áî¡òÏð±ðöèóÃð ¨îÜÐð÷ ¨÷î ¡âððãðð ¡ðÑð¨÷î ×ðøȨî Ðð÷ ãðæðá ¨÷î ÇðøÜðÐð ¡ðüÃðòܨîÞÑð çð÷ ¡ÑðÐð÷ Ðð÷¾ãð¨áî ¨îð Øðó òãðçÃððÜ ò¨îÚðð. Ùðôü×ðýá Ùð÷ü ÑßÏððÐð ¨îðÚððáâðÚðÃðÆðð Ç÷äð ¨÷î òãðòØðÐÐð Øðð±ðð÷ü Ùð÷ü ¡üμðâð ¨îðÚððáâðÚðð÷ü ¨÷î çððÆð ¡ðÑð¨÷î×ðøÈ¨î ¨îó ÑðõÜ÷ Ç÷äð Ùð÷ü £ÑðòçÆðòÃð èð÷ ±ðýá èø ò¸ðçðÙð÷ü 255 äðèÜ/¨îç×ð÷äððòÙðâð èøÈ÷. ÑðõÜ÷ Ç÷äð Ùð÷ü ¡ÑðÐð÷ ±ßðè¨îð÷ü ¨îð÷ çð÷ãðð ÑßÇðÐð ¨îÜÐð÷ ¨÷î òâð¦31 Ùððμðá 2007 ¨îð÷ ýçð¨÷î 970 òÀâðóãðÜó ¡ð£¾âð÷¾ Æð÷ ò¸ðÐðÙð÷ü 432äðð®ðð¦ü, 18 ¦©çð¾÷üäðÐð ¨îð£ü¾Ü ÃðÆðð 520 ¦¾ó¦Ùð äððòÙðâð èøÈ. ¡ðÑð¨÷î×ðøȨî Ðð÷ ãðæðá 2007-08 ¨÷î ÇðøÜðÐð Øðó Ðð÷¾ãð¨áî ¨÷î òãðçÃððÜ ¨÷î òâ𦠦¨îÙðèÃãðð¨îðüêðó Úðð÷¸ðÐðð ÃðøÚððÜ ¨îó èø.¡ðÑð¨÷î ×ðøȨî Ðð÷ ÑðõãðáãðÃðóá ÚðõÀ×âÚðõ×ðó ¨îó çðÙððÙð÷âðÐð Úðð÷¸ðÐðð ¨÷îÑßðãðÏððÐðð÷ü ¨îð ¡ÐðôÑððâðÐð ò¨îÚðð ò¸ðçðÙð÷ü ¡ÐÚð ×ððÃðð÷ü ¨÷î çððÆðçððÆðÚðõÀ×âÚðõ×ðó ¨÷î äð÷ÚðÜÏððܨîð÷ü ¨îð÷ Øðô±ðÃððÐð äððòÙðâð èø. ÚðèØðó £ââð÷®ðÐðóÚð èø ò¨î òãðâðÚð 3 ¡©Ãðõ×ðÜ 2006 çð÷ ÑßØððãðó èô¡ðèø ¡ðøÜ Ñðèâð÷ èó òÇÐð çð÷ ÚðõÀ×âÚðõ×ðó ¨îó çðØðó äðð®ðð¡ð÷ü Ùð÷üèÙð÷äðð ¨îó ÃðÜè ¨îðÜð÷×ððÜ èð÷Ãðð Üèð. çðü±ð¿ÐððÃÙð¨î ¦¨îó¨îÜÂð ¨îóÑßòªîÚðð μðâð Üèó èø ¡ðøÜ òãðÄð ¦ãðü âð÷®ðð, ¾à÷¸ðÜó, âð÷®ðð ÑðÜóêðð¦ãðü ÙððÐðãð çðüçððÏðÐð ¸ðøçð÷ ¨îòÃðÑðÚð êð÷ëðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ¨îðÚðá çðü×ðüÏðó¦¨îó¨îÜÂð Ñðèâð÷ èó ÑðõÜð èð÷ μðô¨îð èø. çðõμðÐðð ÑßðøÌðð÷ò±ð¨îó (¡ðýá¾ó)ÑßÂððâðó ¦¨îó¨îÜÂð ò¨îÚðð ¸ðð Üèð èø ¸ðð÷ ¦¨îó¨îÜÂð ÑßòªîÚðð ¨÷îÇðøÜðÐð ÙðèÃãðÑðõÂðá ¨îÀÿó èø. ¨îðÜð÷×ððÜó ÑðòÜμððâðÐðð÷ü ¨îð÷ μðÜÂð×ðÊÞÑð çð÷ ¦¨îó¨öîÃð ò¨îÚðð ¸ðð Üèð èø. ¨îðÜð÷×ððÜó êð÷ëðð÷ü ÑðÜ ÑßØððãðóÞÑð çð÷ ÏÚððÐð ¨÷îòÐÍÃð ¨îÜÐð÷ ¨÷î çððÆð èó ¦¨îó¨öîÃð çðü±ð¿ÐððÃÙð¨îçðüÜμðÐðð Ùð÷ü çðè¸ð ÞÑð Ùð÷ü ÑðòÜãðÃðáÐð ¨îÜÐð÷ ¨÷î òâ𦠡üÃðòÜÙð £ÑððÚð¨÷î ÞÑð Ùð÷ü ÃðóÐð ÜÂðÐðóòÃð¨î ¨îðÜð÷×ððÜó ý¨îðýÚððü (¦çð×ðóÚðõ) ¡ÆððáÃðþòãð¨îðçð ×ðøÈò¨üî±ð ÜÂðÐðóòÃð¨î ¨îðÜð÷×ððÜó ý¨îðýá (Àó×ðó¦çð×ðóÚðõ, ¸ðð÷Ùðð÷¾÷ ÃððøÜ ÑðÜ ¦¨îâð ¡ðÏððÜ ÑðÜ ÑðõãðáãðÃðóá ¡ðýáÀó×ðó¡ðýá òâð. çð÷çðü×ðüòÏðÃð èø), ãððòÂðò¸Úð¨î ×ðøÈò¨üî±ð ÜÂðÐðóòÃð¨î ¨îðÜð÷×ððÜó ý¨îðýá(çðó×ðó¦çð×ðóÚðõ, ¸ðð÷ Ùðð÷¾÷ ÃððøÜ ÑðÜ ÑðõãðáãðÃðóá ¡ðýáÀó×ðó¡ðýá ×ðøȨîòâð. ¨÷î ÑðòÜμððâðÐðð÷ü ¨îð÷ ÇäððáÃðó èø) ¡ðøÜ òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá×ðøȨî ÜÂðÐðóòÃð¨î ¨îðÜð÷×ððÜó ý¨îðýá (Úðõ×ðó¦çð×ðóÚðõ, ¸ðð÷ ÑðõãðáãðÃðóá òÇÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøÈ¨î ¨÷î ¨îðÜð÷×ððÜ çð÷ çðü×ðüòÏðÃð èø) ¨÷î ÙððÏÚðÙðçð÷ ×ðøÈ¨î ¨îð ÑðòÜμððâðÐð èð÷Ãðð èø.òÐðÇ÷äð¨î ÙðüÀâðçðÙðóêððÏðóÐð ¡ãðòÏð (¡Ñßøâð 2006 - Ùððμðá 2007) ¨÷î ÇðøÜðÐð, ¡ðÑð¨÷î×ðøÈ¨î ¨÷î òÐðÇ÷äð¨î ÙðüÀâð ¨îó çðüÜμðÐðð çðüçÆðð ¨÷î ¡üÃðòÐðáÚðÙððü÷ü ¨÷î òÐðÚðÙð116, ×ðøȨî¨îðÜó òãðòÐðÚðÙðÐð ¡òÏðòÐðÚðÙð, 1949 ¨îó ÏððÜð 10¦ (2)(¦)¡ðøÜ çðõμðó×ðÊÃðð ¨îÜðÜ ¨÷î çðüäðð÷òÏðÃð ®ðüÀ 49 ¨÷î ¡ÐðôçððÜ Æðó. ãðÃðáÙððÐðÙð÷ü ×ðð÷Àá Ùð÷ü ×ððÜè òÐðÇ÷äð¨î èøÈ ò¸ðÐðÙð÷ü ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î, Çð÷£Ñð Ñß×ðüÏð òÐðÇ÷äð¨î, ¨÷üîÍ çðܨîðÜ ¨÷î Çð÷ ¡òÏð¨îðÜó ¡ðøÜ çãðÃðüëð òÐðÇ÷äð¨îð÷ü¨îó å÷Âðó Ùð÷ü çððÃð òÐðÇ÷äð¨î äððòÙðâð èøÈ. åó ãðó. Ñðó. äð÷¾þ¾ó ¡ÏÚðêð ¦ãðüÑß×ðüÏð òÐðÇ÷äð¨î ¨÷î ÑðÇ ÑðÜ èøÈ. çðãðáåó ¡ð÷. ãðó. ×ðôÐÇ÷âðõ ¡ðøÜ ò¸ðÃð÷üÇÜ×ððâð¨öîæÂðÐð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¨÷î ÑðÇ ÑðÜ èøÈ. åó òãðÐðð÷Ç ÜðÚð ¡ðøÜ3Directors Report-Hindi.pmd317-May-07, 5:22 PM

Àðù. ¡¸ðÚð Çô¡ð ¨÷üîÍ çðܨîðÜ ¨÷î ¡òÏð¨îðÜó èøÈ. çððÃð çãðÃðüëð òÐðÇ÷äð¨îð÷üÙð÷ü çð÷ Çð÷ òÐðÇ÷äð¨îð÷ü ¡ÆððáÃðþ åó ¡Ððâð¸ðóÃð òçðüè ¡ðøÜ åóÙðÃðó âðóâððòÒîÜð÷¸ð ÑðõÐððãððâðð ¨îð÷ ØððÜÃð çðܨîðÜ ÎðÜð Ñßð÷Ò÷îäðÐðâð å÷Âðó ¨÷î ¡üÃð±ðáÃðÐððòÙðÃð ò¨îÚðð ±ðÚðð Æðð ¡ðøÜ äð÷æð Ñððüμð òÐðÇ÷äð¨î ¡ÆððáÃðþ åó ¨÷î. ÐðÜòçðÙèÙðõòÃðá, åó ¡ðÜ. ãðó. ±ðôÑÃðð, åó ¦μð. ¦âð. ¸ðôÃäðó, åó ¦. äðò©Ãðãð÷âð¡ðøÜ Àðù. Àó. ãðóÜ÷üÍ è÷±ðÀÿ÷ 18 ¡±ðçÃð 2005 ¨îð÷ çðüÑðÐÐð ãððòæðá¨î ÙðèðçðØððÙð÷ü äð÷ÚðÜÏððܨîð÷ü ÎðÜð òÐðãððáòμðÃð ò¨îÚð÷ ±ðÚð÷ Æð÷. òÐðãððáòμðÃð ÃðÆðð ¡ðãðÃðóáÑððüμð òÐðÇ÷äð¨îð÷ü Ùð÷ü çð÷ ¦¨î-òÃðèðýá ¡ÆððáÃðþ Çð÷ òÐðÇ÷äð¨î - åó ¨÷î.ÐðÜòçðÙè ÙðõòÃðá ÃðÆðð åó ¡ðÜ. ãðó. ±ðôÑÃðð 19 ¸ðôâððýá 2006 ¨îð÷ çðüÑðÐÐðòÑðâðó ãððòæðá¨î ÙðèðçðØðð Ùð÷ü çð÷ãððòÐðãðöÃÃð èð÷ ±ðÚð÷ Æð÷ ¡ðøÜ £Ðè÷ü ÑðôÐð:òÐðÚðô©Ãð ò¨îÚðð ±ðÚðð Æðð. ¡ð±ððÙðó ãððòæðá¨î ÙðèðçðØðð Ùð÷ü Øðó äð÷æð ÃðóÐðòÐðãððáòμðÃð òÐðÇ÷äð¨îð÷ü Ùð÷ü çð÷ Çð÷ òÐðÇ÷äð¨î çð÷ãððòÐðãðöÃÃð èð÷ü±ð÷ ¡ðøÜ ÑðôÐð:òÐðÚðôò©Ãð ¨÷î òâð¦ Ñððëð èð÷ü±ð÷.¨îðùÜÑðð÷Ü÷¾ ¡òØðäððçðÐð¡ðÑð¨îð ×ðøÈ¨î ¨îðùÜÑðð÷Ü÷¾ ¡òØðäððçðÐð ¨÷î êð÷ëð Ùð÷ü çðãðáå÷æ¿ ÑðÊòÃðÚððü¡ÑðÐððÐð÷ ¨÷î òâð¦ ÑßòÃð×ðÊ èø. ¡ðÑð¨÷î ×ðøÈ¨î ¨îó Úðè ÙððÐÚðÃðð èø ò¨î£òμðÃð ¨îðùÜÑðð÷Ü÷¾ ¡òØðäððçðÐð òçðÒáî òÐðÚððÙð¨î ¡ÐðôÑððâðÐð ¨îó¡ðãðäÚð¨îÃðð Ùððëð ÐðèóÈ èø ×ðòâ¨î äð÷ÚðÜÏððòÜÃðð ÙðõâÚð Ùð÷ü ãðöòÊ ¨÷îòâ𦠦¨î çðôçððÏÚð ¨îðܨî Øðó èø. ¡ðÑð¨÷î ×ðøȨî Ùð÷ü ¡ÑðÐððýá ¸ðð Üèó¨îðùÜÑðð÷Ü÷¾ ¡òØðäððçðÐð ÑðÊòÃðÚðð÷ü ¨îð òãðçÃðöÃð òãðãðÜÂð ýçð ãððòæðá¨îòÜÑðð÷¾á Ùð÷ü `Ñß×ðüÏð òãðãð÷μðÐðð ¦ãðü òãðäâð÷æðÂð' ¨÷î ¡üÃð±ðáÃð ¦¨î ¡âð±ð®ðüÀ ¨÷î ÞÑð Ùð÷ü òÇÚðð ±ðÚðð èø.¨üîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 ¨îó ÏððÜð 217 (2 ¦) ¨÷î ¡üÃð±ðáÃð¨îÙðáμððòÜÚðð÷ü ¨÷î ÑððòÜåòÙð¨î ¨÷î çðü×ðüÏð Ùð÷ü Ñߨî¾Ðð¨üîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 (ýçðÙð÷ü ýçð¨÷î ÑðäμððÃðþ ¡òÏðòÐðÚðÙð ¨÷î ÞÑðÙð÷ü òÐðòÇáæ¾) ¨îó ÏððÜð 217 (2¦) ÃðÆðð ýçð¨÷î ¡üÃð±ðáÃð ×ðÐððÚð÷ ±ðÚð÷òÐðÚðÙðð÷ü ¨÷î ¡ÐðôçððÜ ¡Ñð÷òêðÃð ¸ððÐð¨îðÜó òÜÑðð÷¾á ¨÷î ¡Ððô×ðüÏð ¦ãðüýçð¨÷î Øðð±ð ¨÷î ÞÑð Ùð÷ü Çó ±ðÚðó èø. ÃðÆððòÑð, ¡òÏðòÐðÚðÙð ¨îó ÏððÜð219 (1) (iv) ¨÷î ¡ÐðôçððÜ òÐðÇ÷äð¨îð÷ü ¨îó òÜÑðð÷¾á ¦ãðü ãððòæðá¨î âð÷®ð÷£ÑðÚðôá©Ãð ¡Ððô×ðüÏð ¨÷î ò×ðÐðð äð÷ÚðÜÏððܨîð÷ü ¨îð÷ Øð÷¸ð÷ ¸ðð Üè÷ èøÈ.òãðçÃðöÃð ¡Ððô×ðüÏð ãððòæðá¨î ÙðèðçðØðð ¨îó ÃððÜó®ð çð÷ 21 òÇÐð Ñðèâð÷×ðøÈ¨î ¨÷î Ñðü¸ðó¨öîÃð ¨îðÚððáâðÚð Ùð÷ü ¨îðÚðá çðÙðÚð ¨÷î ÇðøÜðÐð äð÷ÚðÜÏððܨîð÷ü¨÷î òÐðÜóêðÂð ¨÷î òâ𦠣Ñðâð×Ïð Üè÷±ðð.¡ð¿ ¦÷çð÷ ¨îÙðáμððÜó ÑðõÜ÷ ãðæðá ×ðøÈ¨î ¨îó çð÷ãðð Ùð÷ü Üè÷ ò¸ðÐè÷ü 24 âðð®ðÝÑðÚð÷ çð÷ ¡òÏð¨î ¨îð ãððòæðá¨î ÑððòÜåòÙð¨î ÑßðÑÃð èô¡ð. ýçð¨÷î ¡âððãðð,¡ÐÚð 8 ¦÷çð÷ ¨îÙðáμððÜó ãðæðá Ùð÷ü ¡ðüòäð¨î ¡ãðòÏð ¨÷î òâð¦ çð÷ãðð Ùð÷üÜè÷ ò¸ðÐè÷ü ×ðøÈ¨î ¨îó çð÷ãðð ¨îó ¡ãðòÏð ¨÷î ÇðøÜðÐð 2 âðð®ð ÝÑðÚð÷ çð÷¡òÏð¨î ÑßòÃð Ùððè ¨îð ÑððòÜåòÙð¨î ÑßðÑÃð èô¡ð.¤¸ððá ×ðμðÃð ¡ðøÜ ÑßðøÌðð÷ò±ð¨îó çðüÜêðÂð ¡ÑðÐððÐð÷ çð÷ çðü×ðüòÏðÃð £ÑðÚðôá©Ãð¡òÏðòÐðÚðÙð ¨îó ÏððÜð 217 (1) (ýá) ¨÷î ÑßðãðÏððÐð ¡ðÑð¨÷î ×ðøȨî ÑðÜâðð±ðõ ÐðèóÈ èð÷Ãð÷ èøÈ.òÐðÇ÷äð¨îð÷ü ¨îó ò¸ðÙÙð÷ÇðÜó ¨îð òãðãðÜÂðòÐðÇ÷äð¨î ÙðüÀâð ¦ÃðÇþÎðÜð Úðè ³ðð÷æðÂðð ¡ðøÜ Ñðôòæ¾ ¨îÜÃðð èø ò¨î :(i)(ii)âð÷®ðð÷ü ¨îð÷ ÃðøÚððÜ ¨îÜÐð÷ Ùð÷ü âðð±ðõ âð÷®ððü¨îÐð ÙððÐð¨îð÷ü ¨îð ÑððâðÐðò¨îÚðð ±ðÚðð èø. çððÆð èó ÃððòÄãð¨î ÞÑð çð÷ ¡ÐðôçðÜÂð Ðð ò¨îÚð÷±ðÚð÷ ÙððÙðâðð÷ü Ùð÷ü £òμðÃð çÑðæ¾ó¨îÜÂð òÇÚðð ±ðÚðð èø.òÐðÇ÷äð¨îð÷ü Ðð÷ ¦÷çðó âð÷®ððü¨îÐð ÐðóòÃðÚðð÷ü ¨îð÷ ¡ÑðÐððÚðð ¡ðøÜ £Ðè÷üçðôçðü±ðÃð ÞÑð çð÷ ÑßÚðô©Ãð ò¨îÚðð ÃðÆðð ¦÷çð÷ òÐðÂðáÚð òâ𦠦ãðü¡ÐðôÙððÐð âð±ð𦠸ðð÷ £òμðÃð ¡ðøÜ òãðãð÷¨îÑðõÂðá Æð÷ Ãððò¨î âð÷®ððãðæðá ¨÷î ¡üÃð Ùð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨îó òçÆðòÃð ¡ðøÜ ýçðó ¡ãðòÏðÙð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î âððØð ¡Æðãðð èðòÐð ¨îó çðèó ¦ãðü çÑðæ¾òçÆðòÃð ÑßçÃðôÃð ¨îó ¸ðð çð¨÷î.(iii) òÐðÇ÷äð¨îð÷ü Ðð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¡ðòçÃðÚðð÷ü ¨îó çðôÜêðð ÃðÆððÏðð÷®ððÏðÀÿó ¦ãðü ¡ÐÚð ¡òÐðÚðòÙðÃðÃðð¡ð÷ü ¨îð÷ Üð÷¨îÐð÷ ¡ðøÜ £Ðð¨îðÑðÃðð âð±ððÐð÷ ¨÷î òâð¦ òãðòÐðÚððÙð¨î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçððÜ ÑðÚððáÑÃðâð÷®ðð òܨîðÀð÷áÈ ¨÷î Ü®ð-Ü®ððãð ¨÷î òâ𦠣òμðÃð ¡ðøÜ ÑðÚððáÑÃðçððãðÏððÐðó ×ðÜÃðó Æðó.(iv) òÐðÇ÷äð¨îð÷ü Ðð÷ μððâðõ çðüçÆðð ¨÷î ¡ðÏððÜ ÑðÜ âð÷®ð÷ ÃðøÚððÜ ò¨îÚð÷ Æð÷.¡ðØððÜ¡ðÑð¨÷î ×ðøÈ¨î ¨îð òÐðÇ÷äð¨î ÙðüÀâð ØððÜÃð çðܨîðÜ, ØððÜÃðóÚð òܺðãðá ×ðøȨî(òܺðãðá ×ðøȨî), ØððÜÃðóÚð ÑßòÃðØðõòÃð ¦ãðü òãðòÐðÙðÚð ×ðð÷Àá (çð÷×ðó) ¡ðøÜ×ðóÙðð òãðòÐðÚððÙð¨î ¦ãðü òãð¨îðçð ÑßðòÏð¨îÜÂð (¡ðýá¡ðÜÀó¦) ¨îð÷ £Ðð¨÷îÎðÜð òÇÚð÷ ±ðÚð÷ òÐðÜüÃðÜ çðèÚðð÷±ð ¡ðøÜ Ùðð±ðáÇäðáÐð ¨÷î òâð¦ èðòÇá¨îÏðÐÚðãððÇ Ç÷Ãðð èø. òÐðÇ÷äð¨î ÙðüÀâð Üð¸Úð çðܨîðÜð÷ü ¡ðøÜ ¡ÐÚð ×ðøÈò¨üî±ð/òãðÄðóÚð çðüçÆðð¡ð÷ü ¨îð÷ Øðó £Ðð¨÷î ÎðÜð òÇÚð÷ ±ðÚð÷ çðèÚðð÷±ð ¨÷î òâð¦ÏðÐÚðãððÇ Ç÷Ãðð èø. ¡ðÑð¨÷î ×ðøÈ¨î ¨îð òÐðÇ÷äð¨î ÙðüÀâð òãðòØðÐÐð ×ðèôÑðêðóÚðçðüçÆðð¡ð÷ü ¡ðøÜ ¡üÃðÜðáæ¾àóÚð ×ðøȨîð÷ü/ çðüçÆðð¡ð÷ü ¨îð÷ Øðó £Ðð¨÷î çðÃðÃðçðèÚðð÷±ð ¨÷î òâð¦ ÏðÐÚðãððÇ Ç÷Ãðð èø. ×ðð÷Àá ¡ÑðÐð÷ çðØðó äð÷ÚðÜÏððܨîð÷ü¡ðøÜ ±ßðè¨îð÷ü ¨îð÷ Øðó ãðæðá ¨÷î ÇðøÜðÐð £Ðð¨÷î ÎðÜð òÇÚð÷ ±ðÚð÷ çðèÚðð÷±ð ¨÷îòâð¦ ÏðÐÚðãððÇ Ç÷Ãðð èø ¡ðøÜ ¡ðÐð÷ ãððâð÷ ãðæðð÷áÈ Ùð÷ü Øðó £Ððçð÷ òÐðÜüÃðÜçðèÚðð÷±ð ¨îó ¡ðäðð ¨îÜÃðð èø. ¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ ¡ÑðÐð÷ çðÙðçÃð ç¾ðÒî¨îó òÐðæ¿ðÑðõÂðá ¡ðøÜ çðÙðòÑðáÃð çð÷ãðð¡ð÷ü çð÷ ¡ÃÚðòÏð¨î âððØð ÑßðÑÃð èô¡ðèø. òÐðÇ÷äð¨î ÙðüÀâð ¨îÙðáμððòÜÚðð÷ü ÎðÜð Çó ±ðýá çð÷ãðð¡ð÷üü ¨÷î òâ𦠣Ðð¨îóØðõòÜ-ØðõòÜ çðÜðèÐðð ¨îÜÃðð èø.çÆððÐð : Ùðôü×ðýáòÇÐððü¨î : 20 ¡Ñßøâð 2007ãðó.Ñðó. äð÷¾þ¾ó¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î4Directors Report-Hindi.pmd417-May-07, 5:22 PM

Directors’ Report : 2006-07The Board of Directors of your Bank is pleased topresent its Report on the business and operations ofyour Bank for the financial year ended 31st March 2007.The financial information presented in this Report is interms of the form and content prescribed by theBanking Regulation Act, 1949.Your Bank’s financial highlights for the period underreview are given in Table 1.During the financial year, total assets of your Banksurpassed the level of Rs.1,00,000 crore and reachedthe new height of Rs.1,03,839 crore at end-March 2007.This was made possible with the benefits derived fromboth organic and inorganic routes. Aggregate depositsstood at Rs. 43,354 crore, clinching a healthy growthof 66.7% at the end of the fiscal 2007. Your Bankcontinued with its efforts to reduce dependence onbonds during the fiscal. Total advances of your Bankstood at Rs. 62,471 crore as on March 31, 2007reflecting a growth rate of 18.5%. Total business(advances plus deposits) of your Bank grew by 34.4%during 2006-07 to reach a level of Rs. 1,05,824.8 crore.Profit and AppropriationsGross income earned by your Bank during the yearApril 2006-March 2007 amounted to Rs. 7372.6 crorecomprising interest income of Rs. 6345.4 crore andother income of Rs. 1027.2 crore. Provisions duringthe year amounted to Rs. 276.3 crore, consisting ofRs. 224.0 crore as provisions for bad & doubtful debtsand investments and Rs. 52.3 crore towards tax. Aftermaking provisions (for bad and doubtful debts andinvestments) of Rs. 224.0 crore, net income was at Rs.7148.6 crore. Total expenditure of your Bank, duringthe year, excluding provisions and contingencies, stoodat Rs. 6466.0 crore consisting of Rs. 5687.5 crore ofTable 1 : Financial Highlights(Rs. crore)ParticularsAs at year-end 2005-06 2006-07Capital 723.8 724.4Reserves & Surplus 5648.3 7575.5Deposits 26,000.9 43,354.0Borrowings 47,530.2 42,404.4Other Liabilities & Provisions 8661.6 9781.0Total Liabilities 88,564.8 1,03,839.3Cash & Balances with RBI 2680.1 5406.5Balances with Banks and Money at Call & Short Notice 2682.7 1504.6Investments 25,350.5 25,675.3Advances 52,739.1 62,470.8Fixed & Other Assets 5112.4 8782.1Total Assets 88,564.8 1,03,839.3For the period 2005-06 2006-07Total Income (net of provisions for bad & doubtful debts and investments) 6448.7 7148.6Total Expenses 5860.3 6466.0Profit Before Tax 588.3 682.6Provision for Tax 27.4 52.3Profit After Tax 560.9 630.35Directors Report.pmd517-May-07, 5:26 PM

interest expenses and Rs. 778.5 crore of operationalexpenses.Your Bank’s working during the year resulted in a ProfitBefore Tax (PBT) of Rs. 682.6 crore. After making aprovision of Rs. 52.3 crore towards taxation, ProfitAfter Tax (PAT) amounted to Rs. 630.3 crore.Appropriation of PAT as approved by the Board ofDirectors is given in Table 2.For each share of face value of Rs.10, Earning Per Share(EPS) during the year stood at Rs. 8.7 and Book ValuePer Share stood at Rs. 85.6 as at end-March 2007. TheDirectors were pleased to recommend dividend at15% on the fully paid-up equity capital for the financialyear 2006-07.Capital AdequacyYour Bank continued to maintain a sound capital baseas indicated by its Capital Adequacy Ratio (CAR). Asagainst the stipulated RBI norm of 9%, your Bank’s CARas at end-March 2007 worked out to 13.7%. TheTier-I CAR also was at a high level of 9.1%. While thislevel of capital is adequate for the current businessneeds, your Bank would continue to ensure that capitalis adequate to be supportive of its long-term businessplans and is deployed effectively to optimize its cost. Inthis regard, your Bank has also undertaken proactivesteps to ensure compliance with the Basel-II framework.Business StrategyThe year witnessed the amalgamation of the erstwhileThe United Western Bank Ltd. (UWB) with your Bankwith effect from October 3, 2006. This brought in adiversified business portfolio including Small & MediumEnterprises (SME) and agri-business, a wide branchnetwork including in rural and semi-urban areas andskilled and experienced human resources. Theamalgamation, therefore, strengthened the efforts of yourBank to pursue its business strategy more vigorously.During the period under review, your Bank continuedwith diversification of both asset and liability base,through balanced retail growth on both sides of thebalance sheet, while simultaneously focusing onexpansion of both business and network. Emphasis waslaid on increasing the working capital assistance andbuilding up SME portfolio, while on the liability side,efforts continued in the direction of reducingdependence on borrowings through increasedmobilization of deposits. In a volatile and competitivemarket environment, your Bank constantly evolvedappropriate strategies to ensure business growth. StepsTable 2 : Appropriation of Profits(Rs. crore)Particulars 2005-06 2006-07Net Profit/(Loss) for the year 560.9 630.3Profit/(Loss) brought forward 787.4 1030.7Investment fluctuation reserve balance transferred 392.0 —IDBI Exim (J) Special Fund — 1.7Profit available for appropriations 1740.3 1662.7Appropriations :Transferred to Statutory Reserve 140.2 158.0Transferred to Capital Reserve — 11.0Transferred to general reserve 392.0 1.7Transferred to Special Reserve created and maintained u/s 36(1)(viii) of IT Act, 1961 50.0 50.0Transferred to staff welfare fund 3.5 —Dividend for previous financial year 0.1 —Dividend- Equity Shares 108.6 108.7- Tax on Proposed Dividend 15.2 18.5Balance of Profit carried to Balance Sheet 1030.7 1314.96Directors Report.pmd617-May-07, 5:26 PM

were also taken to boost the non-interest income bytaking advantage of the buoyant capital market as alsothrust on fee-based income.Your Bank, since its conversion into a commercial bank,has been focusing on lowering the cost of funds byexpanding its deposit base, more prominently undercurrent/savings accounts. The Bank’s Benchmark PrimeLending Rate (BPLR) also was aligned with themovement of interest rates. With increasedopportunities for cross-selling, your Bank aims to widenits revenue model with concentrated focus on feeincome. Your Bank is also preparing to open overseasoffices. All these, put together, would ensure that yourBank has put itself firmly on a long-term and sustainablegrowth trajectory.New Business InitiativesYour Bank decided to enter into Life Insurancebusiness pursuant to which a Joint Venture Agreementwas signed in November 2006 with Fortis InsuranceInternational N. V. (Fortis), and Federal Bank Ltd.Fortis is an international financial services provideractive in banking and insurance and is ranked amongEurope’s top financial institutions. Federal Bank is aleading private sector bank with a network of over450 branches having a strong NRI franchise. The newLife Insurance Company has obtained the Certificateof Commencement of Business from Registrar ofCompanies, Mumbai and has filed application withInsurance Regulatory and Development Authority(IRDA) for authorisation as a Life Insurance Company.The Company will undertake the business ofmanufacturing, distribution and underwriting of lifeinsurance business including in-house assetmanagement activities and will develop a multidistributionmodel including bancassurance, agency /direct sales and other channels. Also, during the year,IDBI Gilts Ltd., a wholly-owned subsidiary of yourBank was incorporated to undertake PrimaryDealership (PD) business.Organisation StructureConsequent upon the amalgamation of UWB, your Bankacquired 229 branches, 14 Extension Counters and 78Automated Teller Machines (ATMs) which increasedits presence, particulary in the State of Maharashtra.Apart from acquiring the branch network of UWB,your Bank also organically expanded its network duringthe year. Your Bank, with its Registered Office atMumbai and Zonal Offices in different regions of thecountry has a pan-India presence involving 255 cities/towns. As on March 31, 2007, it had a network of 970delivery outlets comprising 432 branches, 18 extensioncounters and 520 ATMs, to service its customer baseacross the country. Your Bank has also formulated anambitious plan for expansion of the network during2007-08.Your Bank complied with the provisions of the Schemeof Amalgamation of UWB, which, among other things,covers payment to the shareholders of UWB. It maybe further mentioned that the merger was effectivefrom October 3, 2006 and from the very first dayitself, it was business as usual at all UWB branches.The process of organizational integration is going onand functional integration in respect of certain areassuch as Finance and Accounts, Treasury, Audit andHuman Resources is already complete. InformationTechnology (IT) System Integration, which is animportant link during integration process, is currentlyunderway. Business operations are being integratedin phases. In the interim, to provide effective focus onbusiness areas, as also to ensure smooth transition toan unified organization structure, operations of theBank are carried out through three Strategic BusinessUnits (SBUs) viz. Development Banking StrategicBusiness Unit (DBSBU, focussing on the erstwhile IDBILtd. on a standalone basis), Commercial BankingStrategic Business Unit (CBSBU, which broadly denotesthe operations of the erstwhile IDBI Bank Ltd.) andThe United Western Bank Strategic Business Unit(UBSBU, encompassing the operations of the erstwhileThe United Western Bank Ltd.).Board of DirectorsDuring the period under review (April 2006 – March2007), the composition of Board of Directors of yourBank was as per Article 116 of the Articles of Association,Section 10A(2)(a) of the Banking Regulation Act, 1949and the revised Clause 49 of the Listing Agreement.Presently, the Board comprises twelve directors includingthe Chairman & Managing Director, two DeputyManaging Directors, two officials of the CentralGovernment and remaining seven Directors in thecategory of Independent Directors. Shri V.P. Shetty, isholding the position of Chairman & Managing Director.S/Shri O.V. Bundellu and Shri Jitender Balakrishnan areholding the position of Deputy Managing Directors. ShriVinod Rai and Dr. Ajay Dua are Central Governmentofficials. Out of the seven Independent Directors, twoDirectors namely Shri Analjit Singh and Smt. Lila Firoz7Directors Report.pmd717-May-07, 5:26 PM

Poonawalla have been nominated by Government ofIndia in the professional category. The remaining fiveDirectors, viz., Shri K. Narasimha Murthy, Shri R.V.Gupta, Shri H.L. Zutshi, Shri A. Sakthivel and Dr. D.Veerendra Heggade were elected by the shareholdersat AGM held on August18, 2005. Out of the five electedand rotational directors, one-third, i.e. two directorsnamely Shri K. Narasimha Murthy and Shri R.V. Guptaretired at the last AGM held on July 19, 2006 and werere-appointed. At the ensuing AGM also, two directorsout of the remaining three elected directors shall retireand be eligible for re-appointment.Corporate GovernanceYour Bank is committed to adopting the best practicesin the area of corporate governance. Your Bankbelieves that proper corporate governance is not justa requirement for regulatory compliance, but also afacilitator for enhancement of shareholders’ value.The details of corporate governance practices followedin your Bank are given in this Annual Report as aseparate section under Management Discussion andAnalysis.Disclosure regarding Remuneration of Employeesunder Section 217(2A) of the Companies Act, 1956In terms of Section 217(2A) of the Companies Act, 1956(herein after referred to as the Act) and the rules madethereunder, the required information is contained inAnnexure and forms part of this Report. However, interms of section 219(1)(iv) of the Act, the Directors’Report and Annual Accounts, being circulated among theshareholders, do not contain the aforesaid Annexure. Thedetailed Annexure will be available for inspection of theshareholders at the registered office of your Bank duringworking hours for a period of 21 days before the dateof AGM.Eight personnel were in the services of your Bank for thewhole year and were in receipt of remuneration of overRs.24 lakh per annum. Further, another 8 personnel,who were in the service of your Bank for part of the year,received remuneration in excess of Rs.2 lakh per monthfor the period they were in the service of the Bank.The provisions of Section 217(1)(e) of the Act relatingto conservation of energy and technology absorptiondo not apply to your Bank.Directors’ Responsibility StatementThe Board of Directors hereby declares and confirmsthat :(i) in the preparation of accounts, the applicableaccounting standards were followed along withproper explanation relating to material departure.(ii)the Directors had adopted such accountingpolicies and applied them consistently and madejudgments and estimates that are reasonable andprudent so as to give a true and fair view of thestate of affairs of your Bank at the end of theaccounting year and of the profit or loss of yourBank for that period.(iii) the Directors had taken proper and sufficient carefor the maintenance of adequate accountingrecords, in accordance with the regulatoryprovisions, for safeguarding the assets of your Bankand for preventing and detecting fraud and otherirregularities.(iv) the Directors had prepared the accounts on agoing concern basis.AcknowledgementsThe Board of Directors is thankful to the Governmentof India, Reserve Bank of India (RBI), Securities andExchange Board of India (SEBI) and the InsuranceRegulatory and Development Authority (IRDA) fortheir continued co-operation and guidance. The Boardis also appreciative of the co-operation and supportextended by the State Governments and other banking/financial institutions. The Board of your Bank wishesto thank various multilateral institutions andinternational banks/institutions for their continuedsupport. The Board also takes this opportunity to thankall its shareholders and customers for extending theirsupport during the year and looks forward to theircontinued association in the years ahead. Your Bankhas gained considerably by the sincere and devotedservices rendered by its entire staff. The Board ispleased to place on record its deep appreciation of theservices rendered by the employees.Place: MumbaiDate : April 20, 2007V. P. ShettyChairman8Directors Report.pmd817-May-07, 5:26 PM

¨îðÜð÷×ððÜ ÑðòÜÇöäÚðçð¨îâð Ç÷äðó £ÃÑððÇãðæðá 2006-07 ¨÷î ÇðøÜðÐð ØððÜÃðóÚð ¡ÆðáãÚðãðçÆðð çðôÇöÁÿ òçÆðòÃð ÑßÇòäðáÃð¨îÜÃðó Üèó. ¨÷îÐÍóÚð çððüò®Úð¨îóÚð çðü±ð¿Ðð (çðó¦çð¡ð÷) ¨÷î ¡ò±ßÙðÑðõãððáÐðôÙððÐðð÷ü ¨÷î ¡ÐðôçððÜ, ¡ÆðáãÚðãðçÆðð Ùð÷ü £çð¨÷î çð¨îâð Ç÷äðó £ÃÑððÇ(¸ðóÀóÑðó) Ùð÷ü ±ðÃð ãðæðá ¨÷î 9% ¨îó ÃðôâðÐðð Ùð÷ü 2006-07 ¨÷î ÇðøÜðÐð 9.2% ¨îóãðöòÊ èð÷Ðð÷ ¨îð ¡ÐðôÙððÐð èø [1999-2000 ¨÷î ÙðõâÚðð÷ü ¨÷î ¡ÐðôçððÜ]. 2006-07 Ùð÷ü Øðó ãðöòÊ ¨÷î Ùðô®Úð çðüãððè¨î ¡ðøÌðð÷ò±ð¨î ÃðÆðð çð÷ãðð êð÷ëð ×ðÐð÷ Üè÷ò¸ðÐðÙð÷ü ªîÙðäð: 10.1% ÃðÆðð 11% ¨îó ÇÜ çð÷ ãðöòÊ ¨îð ¡ÐðôÙððÐð èø.ÃðÆððòÑð, ¨öîòæð ¦ãðü çðü×ðÊ ¨îðÚðá¨îâððÑðð÷ü Ùð÷ü ãðöòÊ 2005-06 ¨÷î 6% ¨îóÃðôâðÐðð Ùð÷ü ³ð¾¨îÜ 2.7% èð÷ çð¨îÃðó èø.òÐðãð÷äð ¡ðøÜ ¡ðøÌðð÷ò±ð¨î ÑðòÜÇöäÚð¨îðÜð÷×ððÜ òãð¨îðçð ¨÷î òâð¦ òÐðãð÷äð Ùððèðøâð ¡Ððô¨õîâð ×ðÐðð Üèð.£μμðÃðÜ ¸ðóÀóÑðó ãðöòÊ ¨÷î çððÆð òÐðãð÷äð Ùð÷ü Øðó £ââð÷®ðÐðóÚð Ãð÷¸ðó×ðÐðó Üèó. Úðè £μμð ¨îðÜð÷×ððÜó òãðäãððçð ÇäððáÃðó èø ò¸ðçðçð÷ çð¨îâðÇ÷äðó òÐðãð÷äð (¸ðóÀó¡ðýá), òãðäð÷æð¨îÜ òÐð¸ðó òÐðãð÷äð Ùð÷ü Ãðóãß ãðöòÊèôýá. ¸ðèðü çð¨îâð Ç÷äðó òÐðãð÷äð 2002-03 ¨÷î 25.2% çð÷ ×ðÁÿ¨îÜ2005-06 Ùð÷ü 33.8% èð÷ ±ðÚðð ãðèóÈ ýçð ¡ãðòÏð Ùð÷ü çð¨îâð Ç÷äðó ×ðμðÃð(¸ðóÀó¦çð) 26.4% çð÷ ×ðÁÿ¨îÜ 32.4% èð÷ ±ðýá. (Ü÷®ðð òμðëð 1).Ü÷®ðð òμðëð 1 : òÐðãð÷äð ¦ãðü ×ðμðÃð ¨îó ÑßãðöòÄðÚððü(¸ðóÀóÑðó ¨÷î % ¨÷î ÞÑð Ùð÷ü)25.2 26.4 28.0 29.7 31.5 31.133.8 32.4ãðæðá 2006-07 ¨÷î ÇðøÜðÐð ¡ðøÌðð÷ò±ð¨î £ÃÑððÇÐð çðõμð¨îðü¨î (¡ðýá¡ðýáÑðó)Ùð÷ü 11.3% ¨îó ãðöòÊ èôýá ¸ð×ðò¨î ãðæðá 2005-06 Ùð÷ü 8.2% ¨îó ãðöòÊèôýá Æðó. ¡ðøÌðð÷ò±ð¨î êð÷ëð Ùð÷ü ãðöòÊ Ùðô®ÚðÃð: òãðòÐðÙððáÂð êð÷ëð Ùð÷ü ãðöòʨ÷î ¨îðÜÂð èôýá. £ÑðÚðð÷±ð-¡ðÏððòÜÃð ãð±ðóá¨îÜÂð ¨÷î ¡ÐðôçððÜ £ÑðØðð÷©ÃððÙððâð êð÷ëð ¨îð÷ ð÷Àÿ¨îÜ ÙðÏÚðãðÃðóá Ùððâð, Ùðõâð Ùððâð ¦ãðü Ñðõü¸ðó±ðÃðÙððâð êð÷ëð Ùðü÷ ±ðÃð ãðæðá ¨îó ÃðôâðÐðð Ùð÷ü 2006-07 ¨÷î ÇðøÜðÐð £μμðÃðÜãðöòÊ èôýá. £ÑðØðð÷©Ãðð Ùððâð êð÷ëð ¨îó ãðöòÊ ÇÜ Ùð÷ü ò±ðÜðãð¾ ¡ðýá ¡ðøÜ2006-07 ¨÷î ÇðøÜðÐð 10.0% ãðöòÊ èôýá ¸ð×ðò¨î ±ðÃð ãðæðá Úðè ãðöòÊ12% Æðó. ÃðÆððòÑð, ÙðÏÚðãðÃðóá Ùððâð êð÷ëð Ùð÷ü ±ðÃð ãðæðá ¨÷î 2.5% ¨îóÃðôâðÐðð Ùð÷ü 11.7% ¨îó ¸ð×ðÜÇçÃð ãðöòÊ èôýá. Ñðõü¸ðó±ðÃð Ùððâð êð÷ëð Ðð÷,¸ðð÷ ÐðÚð÷ ¡ðøÌðð÷ò±ð¨î òÐðãð÷äð ¨îð çðü¨÷îÃð¨î èø, μððâðõ ãðæðá Ùð÷ü Øðó 17.7%¨îó £μμð ãðöòÊ ¨îð÷ ×ðÐððÚð÷ Ü®ðð ¸ðð÷ ò¨î ±ðÃð ãðæðá ¨÷î ÇðøÜðÐð ÑßÇòäðáÃð15.8% ¨îó ãðöòÊ çð÷ Øðó ¡òÏð¨î èø (Ü÷®ðð òμðëð 2).Ü÷®ðð òμðëð 2 : ¡ðýá¡ðýáÑðó ¨îó ®ðüÀ-ãððÜ ãðöòÊ (%)×ðôòÐðÚððÇó êð÷ëð Ùð÷ü, ãðæðá 2006-07 ¨÷î ÇðøÜðÐð ×ðôòÐðÚððÇó êð÷ëð ¨÷î è£Ìðð÷±ðð÷ü ¡ÆððáÃðþ -ò×ð¸ðâðó, ¡ÑðòÜæ¨öîÃð Ñð÷¾àð÷òâðÚðÙð, Ñð÷¾àð÷òâðÚðÙðòÜÒîðýÐðÜó £ÃÑððÇ, ¨îð÷Úðâðð, ÃðøÚððÜ ýçÑððÃð ¦ãðü çðóÙð÷ü¾ (ò¸ðÐð¨îð¡ðýá¡ðýáÑðó Ùð÷ü 26.7% ØððÜðü¨î èø) ¨î÷ çðüòÙðå çðõμð¨îðü¨î Ùð÷ü ò×ð¸ðâðó,¡ÑðòÜæ¨öîÃð Ñð÷¾àð÷òâðÚðÙð ¦ãðü Ñð÷¾àð÷òâðÚðÙð òÜÒîðýÐðÜó £ÃÑððÇ ¸ðøçð÷ êð÷ëðð÷üÙð÷ü ×ð÷èÃðÜ ¨îðÚðáòÐðæÑððÇÐð ¨÷î μðâðÃð÷ òÑðâð÷ ãðæðá ¨îó ÃðôâðÐðð Ùð÷ü£μμðÃðÜ ãðöòÊ èôýá.¡ðøÌðð÷ò±ð¨î êð÷ëð ¨÷î £ÐÐðÃð ¨îðÚðáòÐðæÑððÇÐð çð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¨îðÜð÷×ððÜÑðÜ ÙðèÃãðÑðõÂðá ÑßØððãð ÑðÀÿÐð÷ ¨îó çðüØððãðÐðð èø. òãðÄðóÚð ãðæðá 2008 Ùð÷ü¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¡ðòçÃð ¡ðÏððÜ ¨îð÷ ×ðÁÿðÐð÷ Ùð÷ü £μμð ¨îðÜð÷×ððÜóçðüØððãÚðÃðð ãððâð÷ êð÷ëð ¡ðù¾ð÷ Ñðô¸ð÷á, ®ððÌð Ñßçðüç¨îÜÂð, ò×ð¸ðâðó, ãðçëð,âðð÷èð ¦ãðü ýçÑððÃð ¡ðøÜ ÇõÜçðüμððÜ èøÈ. òãðÄðóÚð ãðæðá 2008 Ùð÷ü ¡ðÑð¨÷î ×ðøȨî¨÷î ¡ðòçÃð ¡ðÏððÜ ¨îð÷ ×ðÁÿðÐð÷ Ùð÷ü ¡μó ¨îðÜð÷×ððÜó çðüØððãÚðÃðð ãððâð÷¡ÐÚð £Ìðð÷±ð êð÷ëðð÷ü Ùð÷ü Ãð÷âð ¡ðøÜ ±ðøçð ®ðð÷¸ð ¦ãðü òÜÒîðýÐðÜó, çðÀÿ¨î,×ðüÇܱððè, ÜçððÚðÐð ¦ãðü Ñð÷¾àð÷ÜçððÚðÐð, çðóÙð÷ü¾, ¨îð±ð¸ð ¦ãðü ¨îð±ð¸ð£ÃÑððÇ, Ñðõü¸ðó±ðÃð Ùððâð, ¡çÑðÃððâð, èð÷¾âð ¡ðøÜ òãðÙððÐðÐð äððòÙðâð èøÈ.¦çð¦Ùðýá, ¨öîòæð-¨îðÜð÷×ððÜ ¡ðøÜ ®ðôÇÜð ×ðøÈò¨üî±ð ¸ðøçð÷ ¨îðÜð÷×ððÜó êð÷ëðð÷ü Ùð÷üØðó ¨îðÜð÷×ððÜ ¨÷î ¡μ÷ ¡ãðçðÜ Ùððø¸ðõÇ èøÈ.×ððéÚð êð÷ëðòãðÄðóÚð ãðæðá 2006-07 ¨÷î ÇðøÜðÐð ØððÜÃð ¨îð ÑðÂÚð ãÚððÑððÜ ³ðð¾ð56.7 ò×ðòâðÚðÐð ¡ÙðÜó¨îó ÀðùâðÜ Üèð ¸ð×ðò¨î ±ðÃð ãðæðá ¨÷î ÇðøÜðÐð Úðè39.6 ò×ðòâðÚðÐð ¡ÙðÜó¨îó ÀðùâðÜ Æðð. Øðô±ðÃððÐð çðüÃðôâðÐð ¨îó çðÙð±ßòçÆðòÃð £μμð òãðÇ÷äðó ÙðôÍð ØðüÀðÜ ¨÷î ¨îðÜÂð ¡μó ×ðÐðó Üèó.ÃðÆððòÑð, òÐðÚððáÃð ¨îó ÃðôâðÐðð Ùð÷ü ¡ðÚððÃð Ùð÷ü Ãð÷¸ðó çð÷ ×ðÁÿð÷ÃðÜó ¨÷î9

¨îðÜÂð ãÚððÑððÜ çðüÃðôâðÐð ¨÷î, òãðäð÷æð¨îÜ Ãð÷âð ¨÷î ÙðõâÚðð÷ü Ùð÷ü ¡ðøÜ ãðöòÊèð÷Ðð÷ ÑðÜ, ¥ÂððÃÙð¨î èð÷Ðð÷ ¨îó çðüØððãðÐðð èø. ýçð¨÷î ¡âððãðð ãðæðá2006-07 ¨÷î ÇðøÜðÐð ¥Âð ¦ãðü ±ðøÜ-¥Âð, Çð÷Ððð÷ü ¨îð ¡×ð Ãð¨î ¨îðÑðüõ¸ðó±ðÃð Ñßãððè ¦¨î ãðæðá Ñðõãðá ¨îó ÃðôâðÐðð Ùð÷ü ¡òÏð¨î Üèð èø ¸ðð÷Ùð¸ð×ðõÃð òãð¨îðçð çðüØððãðÐðð¡ð÷ü ¦ãðü Ãðóãß òÐðãð÷äð Ùððü±ð ¨÷î çðèðÜ÷ØððÜÃðóÚð ¡ÆðáãÚðãðçÆðð Ùð÷ü òÐðãð÷äð¨îð÷ü ¨îó ×ðÁÿÃðó Ýòμð ¨îð÷ ÑßÇòäðáÃð¨îÜÃðð èø. ýçð ÑߨîðÜ Úðè Ùðèçðõçð ò¨îÚðð ±ðÚðð èø ò¨î £μμð ¡ÇöäÚð¡üÃðãððáè ¦ãðü çðôÇöÁÿ Ñðõü¸ðó Ñßãððè μððâðõ ®ððÃð÷ ¨÷î ³ðð¾÷ Ùð÷ü ãðöòÊ ¨îð÷Üð÷¨î ÑððÚð÷ü±ð÷ ¡ðøÜ ØððÜÃð ¨î÷ òãðÇ÷äð ãÚððÑððÜ ¨îó Ùððëðð Ùð÷ü Ùððø¸ðõÇðãðöòÊ ¨îó ÑßãðöòÄð ¸ððÜó Üè÷±ðó.òãðÇ÷äðó ÙðôÍð ØðüÀðÜ ÃðÆðð òãðòÐðÙðÚð ÇÜ÷üÙððμðá 2007 ¨îó çðÙððòÑÃð ÑðÜ ØððÜÃð ¨îð òãðÇ÷äðó ÙðôÍð ØðüÀðÜ 199.2ò×ðòâðÚðÐð ¡ÙðÜó¨îó ÀðùâðÜ Üèð ¸ðð÷ Ùððμðá 2006 ¨÷î ¡üÃð ¨÷î äð÷æð çð÷47.55 ò×ðòâðÚðÐð ¡ÙðÜó¨îó ÀðùâðÜ ¡òÏð¨î Æðð. ãðæðá 2006-07 ¨÷îÇðøÜðÐð ØððÜÃðóÚð òãðÇ÷äðó ÙðôÍð ×ðð¸ððÜ Ùð÷ü çððÙððÐÚðÃð: çðôãÚðãðòçÆðÃðòçÆðòÃð ÑððÚðó ±ðÚðó. Ùððμðá 2007 ¨÷î ¡üÃð Ùð÷ü ¡ÙðÜó¨îó ÀðùâðÜ ¨îóòãðòÐðÙðÚð ÇÜ 43.6 ÝÑðÚð÷ Æðó ¸ð×ðò¨î Ùððμðá 2006 ¨÷î ¡üÃð Ùð÷ü Úðè 44.6ÝÑðÚð÷ Æðó.ÙðôÍðçÒîóòÃðÆðð÷¨î ÙðõâÚð çðõμð¨îðü¨î (À×âÚðõÑðó¡ðýá) ÎðÜð ÙððÑðó ±ðýá ÙðôÍðçÒîóòÃð30 Ùððμðá 2007 ¨îð÷ ¡òÏð¨î ¡ÆððáÃðþ 5.7% Üèó ¸ð×ðò¨î Ùððμðá 2006¨÷î ¡üÃð Ùð÷ü Úðè 4.1% Æðó. £ÑðØðð÷©Ãðð ÙðõâÚð çðõμð¨îðü¨î Øðó Ùððμðá 2006¨÷î ¡üÃð ¨÷î 4.9% ¨îó ÃðôâðÐðð Ùð÷ü ¡òÏð¨î ¡ÆððáÃðþ 6.7% Üèð. (Ü÷®ððòμðëð 3).Ü÷®ðð òμðëð 3: Ùððμðá ¨îó çðÙððòÑÃð ÑðÜ ÙðôÍðçÒîóòÃð ¨îó ÑßãðöòÄðÚððü (%)ÙðôÍðçÒîóòÃð Ùð÷ü ãðöòÊ ¨îó ÑßãðöòÄð ¡ðÑðõòÃðá ÑðÜ ×ðÁÿÃð÷ Ç×ððãð ¦ãðü Ùððü±ðÙð÷ü ãðöòÊ ¨îó çðõμð¨î èø. ×ðÁÿÃðó ÙðôÍðçÒîóòÃð ¨îó èðâð ¨îó ÑßãðöòÄð ¨÷î¡ÐðôÙððòÐðÃð ¨îðÜÂð èøÈ : (i) ÑßðÆðòÙð¨î ãðçÃðô¡ð÷ü ¨÷î ÙðõâÚðð÷ü Ùð÷ü ãðöòʨîó ÑßãðöòÄð; (ii) òÐðòÙðáÃð £ÃÑððÇð÷ü ¨÷î ÙðõâÚðð÷ü Ùð÷ü ãðöòÊ ¨îð Ý®ð; (iii)êðÙðÃðð ¨îð ×ðÁÿÃðð £ÑðÚðð÷±ð; (iv) £ÑðØðð÷±ð ¦ãðü òÐðãð÷äð ¨îó ×ðÁÿÃðóÙððü±ð; (v) ×ðøÈ¨î ¥Âð ¨îó Ùððü±ð Ùð÷ü ãðöòÊ; (vi) ¡ðòçÃðÚðð÷ü ¨÷î ×ðÁÿÃð÷ÙðõâÚð; ¡ðøÜ (vii) Ãð÷âð ¨îó ¡ÐÃðÜðáæ¾àóÚð ¨îóÙðÃð÷ü - èðâððüò¨î èðâð¨÷î ÙðèóÐðð÷ü Ùð÷ü ýÐðÙð÷ü ¨îÙðó ¡ðýá èø.Ðð¨îÇó £Ñðâð×ÏðÃðð ¡ðøÜ ×Úðð¸ð ÇÜ÷üãðæðá 2006-07 ¨÷î ÇðøÜðÐð òãðÄðóÚð ×ðð¸ððÜ çððÙððÐÚðÃð: òçÆðÜ Üè÷,ÚðÌðòÑð ÙðôÍð ¦ãðü çðܨîðÜó ÑßòÃðØðõòÃð ×ðð¸ððÜð÷ü Ùð÷ü ×Úðð¸ð ÇÜ÷ü ×ðÁÿóÈ.ýçð¨÷î ¡âððãðð, ¨îýá ¡ãðçðÜð÷ü ÑðÜ ¸ð×ð ¥Âð ãðöòÊ ¨îó òçÆðòÃð Ùð÷ü×ðð¸ððÜ Ùð÷ü Ðð¨îÇó ¨îó £Ñðâð×ÏðÃðð Ùð÷ü ¨îÙðó èôýá Ãðð÷ μðâðòÐðòÏð ¦ãðü×Úðð¸ð ÇÜð÷ü ÑðÜ Ç×ððãð ×ðÐðð. ÃðÇÐðôçððÜ ¡òÏð¨îðüäð ×ðøȨîð÷ü ¨îó âð±ðØð±ðçðØðó ¡ãðòÏðÚðð÷ü ¨îó ¸ðÙðð ÇÜð÷ü Ùð÷ü ãðöòÊ èôýá ¡ðøÜ £çð¨÷î ¡ÐðôÞÑð£ÏððÜ ÇÜð÷ü Ùð÷ü ãðöòÊ èôýá ò¸ðçð¨îð çðü¨÷îÃð ÑßÙðô®ð ×ðøȨîð÷ü ¨îó Ñðó¦âð¡ðÜÙð÷ü ãðöòÊ çð÷ òÙðâðÃðð èø. 30 Ùððμðá 2007 ¨îð÷ ×ðøÈò¨üî±ð êð÷ëð ¨îð ¥Âð-¸ðÙðð ¡ÐðôÑððÃð (çðóÀó ¡ÐðôÑððÃð) 74.1% Æðð ¸ð×ðò¨î Ùððμðá 2006 ¨÷î¡üÃð Ùð÷ü Úðè 71.5% Æðð. ãðæðá 2006-07 ¨÷î ÇðøÜðÐð 30 Ùððμðá 2007¨îð÷ ÙðôÍð ¡ðÑðõòÃðá (¦Ùð3) Ùð÷ü 20.7% ¨îó ãðöòÊ èôýá. ±ðÃð ãðæðá ¨îóÃðôâðÐðð Ùð÷ü âð±ðØð±ð çðØðó ÑðòÜÑð©ãðÃðð ¡ãðòÏðÚðð÷ü ¨îó ×Úðð¸ð ÇÜ÷ü çððÙððÐÚðÃð:¡òÏð¨î ÜèóÈ (Ü÷®ðð òμðëð 4).Ü÷®ðð òμðëð 4 : ØððÜÃð çðܨîðÜ ¨îó ÑßòÃðØðõòÃðÚðð÷ü ¨÷î ÑßòÃðÒîâð Ùð÷ü£ÃððÜ-μðÁÿðãð (%)òܺðãðá ×ðøȨî ÎðÜð Ü÷Ñðð÷ ÇÜ ¦ãðü ¡ðÜòêðÃð Ðð¨îÇó òÐðòÏð ¡ÐðôÑððÃð(çðó¡ðÜ¡ðÜ) Ùð÷ü ¨îó ±ðýá ãðöòÊ £ÏððÜ ÇÜð÷ü Ùð÷ü ãðöòÊ ¨îð çðü¨÷îÃðèø. ×ðøÈ¨î ¥Âð ¨îó Ùððü±ð, òãðäð÷æð¨îÜ òÐð¸ðó êð÷ëð çð÷ Ùððü±ð ¨îð÷ ÑðõÜð¨îÜÐð÷ ¨÷î òâð¦ ×ðøȨî Ðð¨îÇó £Ñðâð×ÏðÃðð Ùð÷ü ¨îÙðó ¨÷î ¨îðÜÂð çððüòãðòÏð¨îμðâðòÐðòÏð ¡ÐðôÑððÃð (¦çð¦âð¡ðÜ) Ñðð÷¾áÒîð÷òâðÚðð÷ çð÷ ¡ÑðÐðó ÑßòÃðØðõòÃðÚðð÷ü¨îð÷ ×ð÷μð Üè÷ èøÈ. Úðè çÑðæ¾ ÞÑð çð÷ Çó³ðá¨îðòâð¨î ÜÂðÐðóòÃð ¨÷î ÞÑðÙð÷ü ¸ððÜó ÐðèóÈ Üè çð¨îÃðð ©Úðð÷üò¨î ¦çð¦âð¡ðÜ ÑßòÃðØðõòÃðÚðð÷ü Ùð÷ü¨îÙðó ×ðøÈ¨î ¨îó μðâðòÐðòÏð çðÙððÚðð÷¸ðÐð çðôòãðÏðð (¦âð¦¦Òî) ÑðÜòÐðØðáÜÃðð ¨îð÷ òÐðÚðüòëðÃð ¨îÜ çð¨îÃðó èø. ¡Ãð: ×ðøȨîð÷ü ¨îð÷ ×ðÀÿó ÙððëððÙð÷ü ¸ðÙððÜðòäðÚððü ¸ðô¾ðÐð÷ ¡ðøÜ ¡òÏð¨î ¡Ððô¨õîâð ¥Âð-¸ðÙðð ¡ÐðôÑððÃð¨îó ¡ð÷Ü ×ðÁÿÐð÷ ¨îó ¸ðÞÜÃð èø. ÃðÆððòÑð, ¡ÆðáãÚðãðçÆðð Ùð÷ü òãð¨îðçð¨îó ±ðòÃð çð÷ £ÃÑðÐÐð Ùððü±ð ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î òâ𦠸ðÙððÜðòäðÚðð÷ü¦ãðü ¡ò±ßÙðð÷ü Ùð÷ü ãðöòÊ ¸ððÜó Üè÷±ðó. ×ðøÈò¨üî±ð êð÷ëð ¨îó ¸ðÙððÜðòäðÚðð÷ü¡ðøÜ ¥Âðð÷ü Ùð÷ü ãðöòÊ ¨îó ÑßãðöòÄð Ü÷®ðð òμðëð 5 Ùð÷ü Çó ±ðýá èø.ãðæðá ¨÷î ÇðøÜðÐð ×ðøÈ¨î ¥Âð ¨îó Ùððü±ð ãÚððÑð¨î Üèó ò¸ðçðÙð÷ü ®ðôÇÜð ¥Âðð÷ü,£Ìðð÷±ð ¦ãðü ¨öîòæð ¥Âð êð÷ëð ÑßÙðô®ð Üè÷. ¨öîòæð êð÷ëð ¨îð÷ ¥Âð Ùð÷ü¸ð×ðÜÇçÃð ×ðÁÿð÷ÃðÜó èôýá ¸ðð÷ ýçð êð÷ëð ¨îð÷ ¥Âð Ç÷Ðð÷ Ùð÷ü ãðöòÊ ¨÷î òâð¦òãðòØðÐÐð ÐðóòÃð±ðÃð Ñðèâð¨îðÚðð÷áÈ ¨÷î ÑßØððãð ¨îð÷ ÇäððáÃðó èø. ¡ðøÌðð÷ò±ð¨î¥Âðð÷ü Ùð÷ü ãðöòÊ Ùðô®ÚðÃð: ×ðôòÐðÚððÇó êð÷ëð (¡ÆððáÃðþ ò×ð¸ðâðó, çðÀÿ¨î,×ðüÇܱððè ¦ãðü ÇõÜçðüμððÜ), Ñð÷¾àð÷òâðÚðÙð £ÃÑððÇ, ãðçëð, âðð÷èð ¦ãðü ýçÑððÃð,10

Ü÷®ðð òμðëð 5 : ¸ðÙððÜðòäðÚðð÷ü ¦ãðü ¥Âðð÷ü Ùð÷ü ãðöòÊ ¨îó ÑßãðöòÄðÚððü (%)¡ÆððáÃðþ ¦Àó¡ðÜ ¦ãðü ¸ðóÀó¡ðÜ ¨÷î ¸ðòÜÚð÷ ¸ðô¾ðÚð÷ ±ðÚð÷ çðüçððÏðÐð±ðÃð ãðæðá ¨÷î ¡ÐðôÞÑð Üè÷. ýçð¨÷î ¡âððãðð, Ç÷äð ¨îó çðôÇöÁÿ ¡ðòÆðá¨î¡ðÏððÜØðõÃð òçÆðòÃð, ¸ð×ðÜÇçÃð ¨îðùÜÑðð÷Ü÷¾ ÑðòÜÂððÙðð÷ü, ¡üÃðÜðáæ¾àóÚðýò©ãð¾ó ×ðð¸ððÜð÷ü Ùð÷ü ãðöòÊ ¨îó ÑßãðöòÄð ÃðÆðð ¨îμμð÷ Ãð÷âð ¨÷î ãðøòäãð¨îÙðõâÚðð÷ü Ùð÷ü ¨îÙðó ¨÷î μðâðÃð÷ ³ðÜ÷âðõ äð÷ÚðÜ ×ðð¸ððÜ Ùð÷ü Ãð÷¸ðó ×ðÐðóÜèó.Øððãðó çðüØððãðÐðð¦üÜçððÚðÐð, ãððèÐð, ÜÃÐð ¦ãðü ¡ðØðõæðÂð, ®ððÌð Ñßçðüç¨îÜÂð ¦ãðü òÐðÙððáÂðêð÷ëð ¨÷î ¨îðÜÂð èôýá. ®ðôÇÜð êð÷ëð ¨îð÷ ¥Âð Ùð÷ü ¡ðãððçð ¥Âð, ª÷îòÀ¾¨îðÀá ÑßðÑÚð ÜðòäðÚððü ¦ãðü ãðøÚðò©Ãð¨î ¥Âð ÑßÙðô®ð Üè÷. çððÆð èó, âð³ðô¦ãðü Ùð»ðð÷âð÷ £ÌðÙðð÷ü ¨îð÷ ¥Âð £Ñðâð×ÏðÃðð ×ðÁÿðÐð÷ ¨÷î òâð¦ ÐðóòÃð±ðÃð£ÑððÚð ò¨îÚð÷ ±ðÚð÷.Ñðüõ¸ðó ×ðð¸ððÜãðæðá ¨÷î ÇðøÜðÐð çðÙð±ß Ñðõü¸ðó ×ðð¸ððÜ ¨îó ØððãðÐðð¡ð÷ü ¨îð÷ ÑßØððòãðÃð¨îÜÐð÷ ãððâð÷ ¨îðܨîð÷ü Ùð÷ü çðôÇöÁÿ ×ðöèÃðþ-¡ðòÆðá¨î ÑðòÜÇöäÚð, ¡Ððô¨õîâðòÐðãð÷äð Ùððèðøâð ¡ðøÜ £Ãçððè¸ðÐð¨î ¨îðùÜÑðð÷Ü÷¾ òãðÄðóÚð ÑðòÜÂððÙð Ùðô®ÚðÜè÷. ¡Ñßøâð-Ùððμðá 2006-07 ¡ãðòÏð ¨÷î ÇðøÜðÐð çððãðá¸ðòÐð¨î òÐð±ðáÙðð÷ü¨÷î ¸ðòÜÚð÷ ¸ðô¾ðÚð÷ ±ðÚð÷ çðüμðÚðó çðüçððÏðÐðð÷ü Ùð÷ü ãðöòÊ èôýá. ÚðõÜð÷ òÐð±ðáÙðð÷ü¡ð¸ð ØððÜÃðóÚð ¡ÆðáãÚðãðçÆðð ×ðèôÃð èó ×ð÷èÃðÜ òçÆðòÃð Ùð÷ü èø.¡ÆðáãÚðãðçÆðð £μμð òãð¨îðçð ÑðÆð ÑðÜ ¡±ßçðÜ èø. çððÆð èó Ùðô®ÚðÃð:³ðÜ÷âðõ ×ðμðÃðð÷ü çð÷ ÑßðÑÃð òãðÄð ¨÷î ¨îðÜÂð Ç÷äðó òÐðãð÷äð Ùð÷ü ãðöòÊçð÷ ¡ÆðáãÚðãðçÆðð ¨îó ãðöòÊ ÇÜ Ùð÷ü Ãð÷¸ðó ¡ðÚðó. ýçð ãÚððÑð¨î¡òãðòÐðÚðÙðÐð ÃðÆðð ¡ðòÆðá¨î êð÷ëð ¨÷î ¡òÏð¨îðüäð ®ðüÀð÷ü Ùð÷ü ÑßòÃðçÑðÏððá¨îó äðôÝ¡ðÃð ¨÷î ÒîâðçãðÞÑð ¡ðòÆðá¨î çðôÏððÜ ÑßòªîÚðð ¨îó çðÒîâðÃððçð÷ ¨îðÚðá¨ôîäðâðÃðð ×ðÁÿó èø ¸ðð÷ òÐðãð÷äð ¦ãðü £ÃÑððÇÐð ãðöòÊ ¨îó±ðòÃð Ùð÷ü ¡ÑðÐð÷ ¡ðÑð òÇ®ððýá Ç÷ Üèó èø. Úðè òãð¨îðçð ¨÷î ÐðÚð÷çðüãððè¨îð÷ü ¨÷î £ØðÜÐð÷ çð÷ ØððÜÃð ¨÷î ¸ðóÀóÑðó ¨îó çðüÜμðÐðð Ùð÷ü ÑðòÜãðÃðáÐð¨÷î ¨îðÜÂð èô¡ð èø. Úðè çð×ð ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î òâð¦ äðôØð çðü¨÷îÃðèø ¡ðøÜ ýçðçð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¨îðÜð÷×ððÜ çðüØððãðÐðð¡ð÷ü Ùð÷ü çðôÏððÜ¡ðÚð÷±ðð. ×ðøÈò¨üî±ð êð÷ëð ¡ðøÜ òãðäð÷æð ÞÑð çð÷ ¡ðÑð¨îð ×ðøȨî òãð¨îðçð¨îó ýçð ±ðòÃð ¨îð÷ ×ðÐððÚð÷ Ü®ðÐð÷ Ùð÷ü ¡Ñð÷òêðÃð ØðõòÙð¨îð ¡Çð ¨îÜÐð÷¨÷î òâ𦠡μó ÃðÜè çð÷ ÃðÃÑðÜ èø.11

¨îðÜð÷×ððÜ çðÙðóêðð®ðôÇÜð òãðÄðØððÜÃðóÚð ®ðôÇÜð òãðÄð ×ðð¸ððÜ Ùð÷ü òÑðâð÷ ¨ôî ãðæðð÷áÈ Ùð÷ü ÙðèÃãðÑðõÂðáÑðòÜãðÃðáÐð èô¦ èøÈ. Úðè ÑðòÜãðÃðáÐð ãÚðò©ÃðÚðð÷ü ¨÷î ×ðÁÿÃð÷ ¡ðÚð çÃðÜ, ¥Âðâð÷Ðð÷ ¨÷î çðü×ðüÏð Ùð÷ü £ÑðØðð÷©Ãðð¡ð÷ü ¨÷î òãðμððÜð÷ü Ùð÷ü çð¨îðÜðÃÙð¨î ÑðòÜãðÃðáÐð¡ðøÜ òãðÄð ÑßÇðÃðð¡ð÷ü ¨îó £ÑðòçÆðòÃð Ùð÷ü òãðçÃððÜ ¨÷î ¨îðÜÂð èô¦ èøÈ.ýçð ¸ð×ðÜÇçÃð ãðöòÊ ¡ðøÜ ýçð êð÷ëð Ùð÷ü çðüØððãÚðÃðð ¨îð÷ Ç÷®ðÃð÷ èô¦ ¡ðÑð¨÷î×ðøȨî Ðð÷ ¨îðÜð÷×ððÜ ¨÷î ýçð ®ðüÀ ÑðÜ òãðäð÷æð ¸ðð÷Ü òÇÚðð èø.¡ðÑð¨îð ×ðøȨî ÑßòÃðØðõÃð (¡ðãððçð ¥Âð, ×ðüÏð¨î ¥Âð, ÑßòÃðØðõòÃðÚðð÷ü ¨îó¸ðÙððÐðÃð ÑðÜ ¥Âð) ¡ðøÜ ¡ÑßòÃðØðõÃð (ãðøÚðò©Ãð¨î ¥Âð, òäðêðð ¥Âð¡ðøÜ ãÚððÑððòܨî ÑßòÃðæ¿ðÐðð÷ü ¨îð÷ ¡ð÷ãðÜÀàðÓ¾) Çð÷Ððð÷ü ÃðÜè ¨îó òãðòãðÏðÑߨîðÜ ¨îó ®ðôÇÜð ¡ðòçÃð Úðð÷¸ðÐðð¦ü £Ñðâð×Ïð ¨îÜðÃðð èø. ãðæðá ¨÷î ÇðøÜðÐð×ðøȨî Ðð÷ Ùðôü×ðýá, ÑðôÂð÷, ¸ðÚðÑðôÜ, ¨îð÷âð¨îðÃðð, μð÷ÐÐðø ¡ðøÜ èøÇÜð×ððÇ ¸ðøçð÷ÑßÙðô®ð ¨÷îÐÍð÷ü ÑðÜ Øðõ-çðüÑðÇð ¨îó òãðòØðÐÐð ÑßÇäðáòÐðÚðð÷ü Ùð÷ü çðÒîâðÃððÑðõãðá¨îçðèØððò±ðÃðð ¨îó ò¸ðÐð¨îð ×ðøÈ¨î ¨îó ¡ðãððçð ¥Âð Úðð÷¸ðÐðð¡ð÷ü Ùð÷ü ÙðèÃãðÑðõÂðáÚðð÷±ðÇðÐð Üèð. çððÆð èó, ãðæðá ¨÷î ÇðøÜðÐð çðüäðð÷òÏðÃð òäðêðð ¥Âð Úðð÷¸ðÐððäðôÞ ¨îó ±ðýá. ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î 22 äðèÜð÷ü Ùð÷ü ®ðôÇÜð ¡ðòçÃð ¨÷îÐÍ èøȸðð÷ Øððø±ðð÷òâð¨î Òøîâððãð ¨îð÷ ×ðÁÿðÐð÷, £ÃÑððÇ çãðó¨îðÚðáÃðð, ÑðòÜμððâðÐðçðü×ðüÏðó ¨îðÚðá¨ôîäðâðÃðð ¡ðøÜ ¥Âð òãðäð÷æðìðÃðð Ùð÷ü ×ðøÈ¨î ¨îó çðèðÚðÃðð¨îÜ÷ü±ð÷.¡ðÑð¨îð ×ðøÈ¨î ¡ÑðÐð÷ çðÙÙððòÐðÃð ±ßðè¨îð÷ü ¨îð÷ èÙð÷äðð ÙðõâÚð-Úðð÷ò¸ðÃð çð÷ãðð¦üÑßÇðÐð ¨îÜÐð÷ ÑðÜ ÏÚððÐð Ç÷Ãðð èø ¡ðøÜ ýçð ¨îð÷òäðäð ¨÷î òâð¦ ×ðøȨî Ðð÷ýò©ãð¾ó, ÓÚðõμðçðá ¡ðøÜ ¡ðùÑäðÐçð ×ðð¸ððÜð÷ü Ùð÷ü ÐðãðóÐðÃðÙð ýü¾ÜÐð÷¾-¡ðÏððòÜÃð ¾à÷òÀü±ð çðôòãðÏðð £Ñðâð×Ïð ¨îÜðÐð÷ ¨÷î òâ𦠡ÑðÐðó 100%çðèðÚð¨î çðüçÆðð ¡ðýáÀó×ðó¡ðýá ¨øîòÑð¾âð Ùðð¨÷áî¾ çðòãðáçð÷¸ð òâðòÙð¾÷À¨÷î çððÆð èðâð Ùð÷ü ¡ðøÑðμððòÜ¨î ±ð¿×ðüÏðÐð ò¨îÚðð èø. ±ßðè¨î ýçð çðôòãðÏðð¨îð £ÑðÚðð÷±ð ¨îÜ ÙÚðõμÚðô¡âð ÒüîÀð÷ü ¨÷î ÚðõòÐð¾ð÷ü ¨îó ®ðÜóÇ ¡ðøÜ äðð÷ÏðÐð¨îÜ çð¨îÃð÷ èøÈ ÃðÆðð òãðòØðÐÐð ¨îðùÜÑðð÷Ü÷¾/çðüçÆðð¡ð÷ü ¨÷î ÑßðÜüòØð¨îçððãðá¸ðòÐð¨î ¡ðùÒîÜð÷ü Ùð÷ü ¡òØðÇðÐð Øðó ¨îÜ çð¨îÃð÷ èøÈ. Úðè ¡Ððõ¿ó Úðð÷¸ðÐððÑðõÜó çðôòãðÏðð ÑßÇðÐð ¨îÜÃðó èø ©Úðð÷üò¨î £ÑðÚðôá©Ãð çðØðó çð÷ãðð¦ü Ùðð£çðò©âð¨î çð÷ ÑßðÑÃð ¨îó ¸ðð çð¨îÃðó èøÈ ¡ðøÜ ÑðõÜó ÑßòªîÚðð ¡ðçððÐð èø.¡ðÑð¨îð ×ðøÈ¨î ¡ÑðÐð÷ ®ðôÇÜð ±ßðè¨îð÷ü ¨îð÷ ¡ÐÚð Ñðð¾óá ¨îó Úðð÷¸ðÐðð¦ü Øðó£Ñðâð×Ïð ¨îÜð Üèð èø. ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî Ðð÷ Ùðôü×ðýá ³ðÜ÷âðõèãððýá ¡ÀþÀ÷ ¨÷î ¦¨î ¾òÙðáÐðâð (μð÷¨î-ýÐð êð÷ëð Ùð÷ü) Ùð÷ü ¡ðù¾ð÷Ùð÷¾÷À ¾÷âðÜÙðäðóÐð (¦¾ó¦Ùð) âð±ððýá. ýçð ÃðÜè Úðè èãððýá ¡ÀþÀ÷ ¨÷î ¾òÙðáÐðâð ¨÷îμð÷¨î-ýÐð êð÷ëð Ùð÷ü ¦¾ó¦Ùð ¨îó çðôòãðÏðð ÑßÇðÐð ¨îÜÐð÷ ãððâðð Ñðèâðð ×ðøȨî×ðÐð ±ðÚðð. ýçð¨÷î ¡âððãðð, Ùððø¸ðõÇð Ô÷üîμððý¸ð ¨÷î çððÆð-çððÆð ¡ÐÚðÔ÷üîμððý¸ð ¨÷î çððÆð À÷ò×ð¾ ¨îðÀá ¸ððÜó ¨îÜÐð÷ ¨îó Øðó Úðð÷¸ðÐðð èø. ±ßðè¨îð÷ü¨îð÷ ¡ÑðÐðð ¨îðÜð÷×ððÜ ¡òÏð¨î çðôÜòêðÃð Ùððèðøâð Ùð÷ü ¨îÜÐð÷ ¨îó çðôòãðÏððÑßÇðÐð ¨îÜÐð÷ ¨÷î òâ𦠡ðÑð¨îð ×ðøȨî Çð÷ ÙðèÃãðÑðõÂðá Ñðèâð ¨îðÚðá ¨îÜÜèð èø ¡ÆððáÃðþ ÑðôÜðÐðó ÑðóÁÿó ¨÷î çðØðó ¦¾ó¦Ùðð÷ü Ùð÷ü ¦òЪîѾ÷À òÑðÐðÑðøÀ (ýáÑðóÑðó) ¡ðøÜ ò¾àÑðâð À÷¾ð ¦òЪîÑäðÐð òçðç¾Ùð (ò¾àÑðâð Àóýá¦çð)âð±ððÐð÷ ÃðÆðð ýü¾ÜÐð÷¾ ÑðÜ ò¨îÚð÷ ±ðÚð÷ çðØðó ¨îðÀá âð÷ÐðÇ÷Ððð÷ü ¨÷î òâð¦ãð÷òÜÒîðýÀ ×ððýá ãðóçðð (ãðó×ðóãðó) ÑßÙððÂðÐð ÑßðÑÃð ¨îÜÐðð.¨îðùÜÑðð÷Ü÷¾ òãðÄð¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ Ç÷äð Ùð÷ü Ñðõü¸ðó òÐðÙððáÂð ¨îð÷ ×ðÁÿðÐð÷ ¡ðøÜ ×ðôòÐðÚððÇó çðüÜμðÐðð¨÷î òãð¨îðçð ¨÷î òâð¦ ÑðòÜÚðð÷¸ðÐðð òãðÄð ÑßÇðÐð ¨îÜÐð÷ ¨îð ¡òÏðÇ÷äð òÇÚðð±ðÚðð èø. ¡ðÑð¨îð ×ðøȨî ÝÑðÚðð ¡ðøÜ òãðÇ÷äðó ÙðôÍð, Çð÷Ððð÷ü Ùð÷ü ÑðòÜÚðð÷¸ðÐððòãðÄð ÑßÇðÐð ¨îÜÃðð èø. Ððýá ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¡ðøÜ òãðçÃððÜ, òãðäðð®ðÐð ¦ãðü¡ðÏðôòÐð¨îó¨îÜÂð ¨÷î òâð¦ çðèðÚðÃðð ÑßÇðÐð ¨îó ¸ððÃðó èø. ¡ðÑð¨îð ×ðøȨîÑðòÜÚðð÷¸ðÐðð ÙðõâÚððü¨îÐð ¡ðøÜ òÐð±ðÜðÐðó ¨÷î êð÷ëð Ùð÷ü òãðäãðçÃðÜóÚð çðãðð÷áÄðÙðÑðÊòÃðÚððü ¡ÑðÐððÃðð èø ÃðÆðð ýçð¨îð £Ìðð÷±ð Ñðð÷¾áÒîð÷òâðÚðð÷ ¡μó ÃðÜè çð÷òãðäðð®ðó¨öîÃð èø. ÑðòÜÚðð÷¸ðÐðð òãðÄð ¨÷î ¡âððãðð ¨îðùÜÑðð÷Ü÷¾ êð÷ëð ¨îó μððâðõ¸ðÞÜÃðð÷ü ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î òâ𦠡âÑð¨îðòâð¨î ¥Âð, ¨îðÚðáäðóâð Ñðõü¸ðóÃðÆðð ¾à÷¸ðÜó Úðð÷¸ðÐðð¡ð÷ü ¨÷î ÞÑð Ùð÷ü ¡âÑð ¦ãðü ÙðÏÚððãðòÏð ÑðòÜÑð©ãðÃðð¡ð÷ü¨÷î òâ𦠱ðøÜ-ÑðòÜÚðð÷¸ðÐðð òãðÄð Øðó ÑßÇðÐð ¨îÜÃðð èø. Úðð÷¸ðÐðð¡ð÷ü ¨îó£Ñðâð×ÏðÃðð ¨îð÷ ¡ðøÜ çðôÇöÁÿ ¨îÜÐð÷ ¨÷î òâð¦ ×ðôòÐðÚððÇó êð÷ëð ¨îó ÑðòÜÚðð÷¸ðÐðð¡ð÷üçðòèÃð âðü×ðó ¡ãðòÏð ãððâðó ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨÷î çðüÚðô©Ãð ¦ãðü ¡üÃðÜÂðòãðÄðÑðð÷æðÂð ¨÷î òâð¦ òÇçðü×ðÜ 2006 Ùð÷ü ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¦âð¡ðýáçðó ¨÷îçððÆð çðèÙðòÃð ìððÑðÐð (¦Ùð ¡ð÷ Úðõ) ÑðÜ èçÃððêðÜ ò¨îÚð÷ èøÈ.çðØðó ÑߨîðÜ ¨îó ¨îðùÜÑðð÷Ü÷¾ ×ðøÈò¨üî±ð Úðð÷¸ðÐðð¦ü £Ñðâð×Ïð ¨îÜðÐð÷ ¨÷î òâð¦¡ðÑð¨îð ×ðøȨî òãðòØðÐÐð ¨îðÜð÷×ððÜó ®ðüÀð÷ü ¸ðøçð÷ ¸ðÙððÜðòäðÚððü, Ðð¨îÇóÑß×ðüÏð çð÷ãðð¦ü, ¨÷îÐÍ ãð Üð¸Úð çðܨîðÜ ¨î𠦸ð÷üçðó ¨îðÜð÷×ððÜ (ÑßÃÚðêð ãð¡ÑßÃÚðêð, Çð÷Ððð÷ü ÑߨîðÜ ¨÷î ¨îÜ), ãÚððÑððÜ òãðÄð ¡ðøÜ ¾à÷¸ðÜó Úðð÷¸ðÐðð¦ü£Ñðâð×Ïð ¨îÜðÃðð èø.¡ðÑð¨÷î ×ðøȨî Ðð÷ ÑßÙðô®ð çÆððÐðð÷ü ÑðÜ Úðð÷¸ðÐðð¦ü £Ñðâð×Ïð ¨îÜðÐð÷ ¨÷î òâð¦çðÙðòÑðáÃð ãÚððÑððÜ ò×ðªîó ¾óÙð÷ü ±ðò¿Ãð ¨îÜ Ü®ðó èøÈ Ãððò¨î ãÚððÑððòܨîçð÷ãðð¡ð÷ü ÑðÜ çðü¨÷üîÍÂð ¡ðøÜ £Ðð¨÷î òâð¦ òãðòäðæ¾ Çöò澨îð÷Âð ¡ÑðÐððÚðð¸ðð çð¨÷î. ¡ðÑð¨îð ×ðøȨî òÐðòÇáæ¾ äðð®ðð¡ð÷ü ¨÷î ¸ðòÜÚð÷ ãÚððÑððÜ òãðÄðçðü×ðüÏðó ÑðòÜμððâðÐð ¨îÜÃðð èø ¸ðð÷ ãÚððÑððÜ òãðÄð Úðð÷¸ðÐðð¦ü ¸ðøçð÷ çðð®ðÑðëð,×ðøÈ¨î ±ððÜü¾ó, ãðçðõòâðÚððü, òãðÑß÷æðÂð, ãððÚðÇð çðüòãðÇð¦ü, Ñðøò¨üî±ð ¥Âð,âðÇðÐðð÷ÄðÜ òãðÄð, ÑðòÜÑð©ãðÃðð ÒøòÜü±ð, ×ðó¸ð¨î ØðôÐððýá ¡ðøÜ ãÚððÑððÜçðâððè¨îðÜó çð÷ãðð¦ü £Ñðâð×Ïð ¨îÜðÃðó èøÈ. £ââð÷®ðÐðóÚð èø ò¨î ØððÜÃðóÚð×ðøȨî çðü³ð (¡ðýá×ðó¦) ¨÷î ÃðÄãððãðÏððÐð Ùð÷ü Ç÷äðó ãÚððÑððòܨî âð÷ÐðÇ÷Ððð÷ü ¨÷îòâð¦ çðüÜòμðÃð òãðÄðóÚð çðüÇ÷äð ÑßÂððâðó (¦çð¦Òî¦Ùð¦çð) ¨÷î ÑðÜóêðÂð,çðüμððâðÐð ¡ðøÜ ¨îðÚððáÐãðÚðÐð ¨îÜÐð÷ ãððâð÷ μðôòÐðüÇð ×ðøȨîð÷ü Ùð÷ü ¡ðÑð¨îð ×ðøȨîØðó äððòÙðâð Æðð. ¡ðÑð¨÷î ×ðøȨî Ðð÷ òÐðÚððáÃð ¥Âð ±ððÜü¾ó òÐð±ðÙð (ýáçðó¸ðóçðó)¨îó ÑðõÂðá ÒøòÜü±ð çðôòãðÏðð ¨÷î ¡üÃð±ðáÃð òÐðÚððáÃð ÑßðÑÚðÜðòäðÚðð÷ü ¨÷îòãðÄðÑðð÷æðÂð ¨÷î òâð¦ Øðó ýáçðó¸ðóçðó ¨÷î çððÆð ¨îÜðÜ ò¨îÚðð èø.Ðð¨îÇó Ñß×ðüÏð çð÷ãðð¡ð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ ¡±ßÂðó ¨îðùÜÑðð÷Ü÷¾ð÷üçð÷ ¥Âð äðð÷ÏðÐð, ÑßòÃðÇðÐð ¦ãðü âððØððüäð çðü×ðüÏðó ¨îýá ÑßòÃðòæ¿Ãð çððøÇ÷ÑßðÑÃð èô¦ èøÈ. ¡ðÑð¨îð ×ðøȨî ýü¾ÜÐð÷¾ ¨÷î ÎðÜð ÑßÃÚðêð ¨îÜð÷ü ¨îó Øðô±ðÃððÐðçðôòãðÏðð £Ñðâð×Ïð ¨îÜðÐð÷ãððâðð Ñðèâðð ×ðøȨî èø ¡ðøÜ ýü¾ÜÐð÷¾ ¨÷î ÎðÜð¨÷îÐÍóÚð £ÃÑððÇ äðôâ¨î ¡ðøÜ çð÷ãðð ¨îÜ ¨îð ¡ðùÐðâððýÐð Øðô±ðÃððÐð ¨îÜÐð÷12

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±ßðè¨îð÷ü ¨÷î òâ𦠡Ðð÷¨î çðâððè¨îðÜó / ¡ÐÚð òÐðÚðÃð¨îðÚðá òÐðæÑððòÇÃð ò¨îÚð÷.×ðôòÐðÚððÇó êð÷ëð ¨îð÷ òãðÄð¡ðÑð¨îð ×ðøȨî ×ðôòÐðÚððÇó êð÷ëð ¨îð÷ òãðÄðÑðð÷æðÂð Ùð÷ü ÑßÙðô®ð çðüçÆðð ×ðÐðð Üèðèø. ×ðôòÐðÚððÇó êð÷ëð ¨îð÷ òÐð¸ðó òÐðãð÷äð ¨÷î òâ𦠮ðð÷âðÐð÷ ¨÷î çðÙðÚð çð÷ èóÚðè ò×ð¸ðâðó, ÇõÜçðüμððÜ, çðÀÿ¨î, èãððýá¡ÀþÀð, çðÙðôÍó ×ðüÇܱððè, Ü÷âðãð÷ÃðÆðð çðüØððÜ-Ãðüëð ãð òãðäð÷æð ¡ðòÆðá¨î êð÷ëðð÷ü ¨îó ×ðôòÐðÚððÇó ÑðòÜÚðð÷¸ðÐðð¡ð÷ü¨îó çðüÜμðÐðð ¡ðøÜ òãðÄðÑðð÷æðÂð Ùð÷ü çðòªîÚð çðèØððò±ðÃðð ¨îÜÃðð Üèð èø.òãðÄðóÚð çðèðÚðÃðð ÑßÇðÐð ¨îÜÐð÷ ¨÷î ¡âððãðð ¡ðÑð¨îð ×ðøȨî ×ðôòÐðÚððÇó êð÷ëð¨÷î òâð¦ òÐðòÏðÚðð÷ü ¨÷î çðô±ðÙð Ñßãððè Ùð÷ü çðèðÚðÃðð è÷Ãðô ÐðóòÃð±ðÃð ¡ðøÜÑðòÜμððâðÐð çðü×ðüÏðó ÙðôÉð÷ü ÑðÜ çðܨîðÜ, ¡ÐÚð ¡üäðÏððòÜÚðð÷ü ¡ðøÜ ×ðð¸ððÜçðèØððò±ðÚðð÷ü çð÷ òãðμððÜ-òãðÙðäðá ¨îÜÃðð èø.¡ðÑð¨îð ×ðøÈ¨î ¡â¾àð Ùð÷±ðð ÑððùãðÜ ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨îð÷ ¡üòÃðÙð ÞÑð Ç÷Ðð÷ ¨÷îòâð¦ çðܨîðÜ ÎðÜð ±ðò¿Ãð ÑßÙðô®ð çðòÙðòÃð ¨îð Øðó çðÇçÚð èø. çððÆð èó, Úðèò×ð¸ðâðó êð÷ëð ¨÷î òâ𦠡üÃðÜ-çðüçÆðð±ðÃð çðÙðõè ¨îð Øðó çðòªîÚð çðÇçÚð èøò¸ðçð¨îó ¡òØðòÐðÏððáòÜÃð ò×ð¸ðâðó ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨îó çðÙðÚð ÑðÜ òãðÄðóÚðãÚðãðçÆðð ¨îÜÐð÷ çð÷ çðü×ðÊ òãðòØðÐÐð ÙðôÉð÷ü ¨îð÷ èâð ¨îÜÐð÷ ¨÷î òâð¦ òÐðÚðòÙðÃð×ðø¿¨÷üî èð÷Ãðó èøÈ.Üðæ¾àóÚð ¡ÆðáãÚðãðçÆðð Ùð÷ü £μμð òãð¨îðçð ¨÷î òâð¦ çðÀÿ¨îð÷ü ¨îó ¡ðÏððÜØðõÃðçðüÜμðÐðð ¨÷î òãð¨îðçð ¨îó ¡òÐðãððÚðáÃðð ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ ¡ðÑð¨îð×ðøȨî çðÀÿ¨î ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨îð÷ òãðÄðóÚð çðèðÚðÃðð Ç÷Ãðð Üèð èø. ¡ðÑð¨÷î×ðøȨî Ðð÷ çððãðá¸ðòÐð¨î-òÐð¸ðó çðð»ð÷ÇðÜó òãðòÏð ¨÷î ¡üÃð±ðáÃð ¡üÃðÜðáæ¾àóÚðèãððýá¡ÀþÀð÷ü ¡ðøÜ ×ðüÇܱððèð÷ü ¨÷î òãð¨îðçð ¨÷î òâ𦠡ðüòäð¨î òãðÄðÑðð÷æðÂð¨÷î çððÆð èãððýá¡ÀþÀð÷ü ¨÷î ¡ðÏðôòÐð¨îó¨îÜÂð ¨÷î òÐðÏðóÚðÐð ¨÷î òâð¦ ØðóÑðèâð ¨îðÚðá äðôÞ ò¨îÚð÷ èøÈ.¦çð¦Ùðýá Ñðèâð¨îðÚðá¡ðÑð¨îð ×ðøȨî âð³ðô ¡ðøÜ ÙðÏÚðÙð £ÌðÙðð÷ü (¦çð¦Ùðýá) ¨÷î òãðÄðÑðð÷æðÂð ÑðÜòãðäð÷æð ¸ðð÷Ü Ç÷Ðð÷ ¨÷î òâð¦ çðòªîÚð ÞÑð çð÷ âð±ðð èô¡ð èø. ¥Âð òãðÃðÜÂðãÚðãðçÆðð Ùð÷ü çðôÏððÜ ¨îÜÐð÷ ¡ðøÜ ¾Ððá ¡Üð£üÀ ¾ðýÙð (¾ó¦¾ó) ¨îð÷ ¨îÙð¨îÜÐð÷ ¨÷î òâ𦠡ðÑð¨÷î ×ðøȨî Ðð÷ ÑðõÜ÷ Ç÷äð Ùð÷ü ÑßÙðô®ð ¨÷îÐÍð÷ü ÑðÜ ¨÷îÐÍó¨öîÃð¥Âð Ñßð÷çð÷òçðü±ð ¨îêð (çðó¦âðÑðóçðó) ±ðò¿Ãð ò¨îÚð÷ èøÈ. çðó¦âðÑðóçðó ¡ðãð÷ÇÐðð÷üÑðÜ ¨îðÜáãððýá ¨îÜ Ùðü¸ðõÜó ¨÷î òâð¦ ÑßÃÚððÚðð÷ò¸ðÃð ÑßðòÏð¨îðòÜÚðð÷ü ¨îð÷ çððøÈÑðÃð÷èøÈ. ¦çð¦Ùðýá êð÷ëð çð÷ çðü×ðÊ ¥Âð çðôòãðÏðð¡ð÷ü ¦ãðü ÐðóòÃð±ðÃð ÙððÙðâðð÷ü ÃðÆððçðó¦âðÑðóçðó ¨÷î çðÙðÐãðÚð ¡ðøÜ òÐðÚðüëðÂð çð÷ ¸ðôÀÿ÷ çðØðó ¨îðÚðá¨îâððÑðð÷ü ¨îð÷ÑßÏððÐð ¨îðÚððáâðÚð çÃðÜ ÑðÜ Ððãð-òÐðòÙðáÃð ¦çð¦Ùðýá ÑßØðð±ð ÎðÜð Ç÷®ðð ¸ððÜèð èø. ýçðçð÷ ¡ðÑð¨÷î ×ðøȨî Ùð÷ü ±ßðè¨î çð÷ãðð çÃðÜ Ùð÷ü ¨îðÒîó çðôÏððÜ èð÷±ðð.çð÷ãðð çÃðÜð÷ü Ùð÷ü ¡ðøÜ çðôÏððÜ âððÐð÷ ¨÷î òâ𦠡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¡òÏð¨îðòÜÚðð÷ü¦ãðü ¡ÐÚð ¨îÙðáμððòÜÚðð÷ü ¨÷î òâð¦ ãðæðá ¨÷î ÇðøÜðÐ𠦱ßó¨îðùÙð ¦ãðü ¦çð¦ÙðýáÚðð÷¸ðÐðð¡ð÷ü ¨÷î ×ððÜ÷ Ùð÷ü ÑßòäðêðÂð ¨îðÚðáªîÙð ¡ðÚðð÷ò¸ðÃð ò¨îÚð÷ ±ðÚð÷ Ãððò¨î×ðð¸ððÜ ¨îó ÑßòÃðçÑðÏððá çð÷ £Ðè÷ü ¡ãð±ðÃð ¨îÜðÚðð ¸ðð çð¨÷î.¡ðÑð¨÷î ×ðøȨî Ðð÷ ¥Âð òãðÃðÜÂð ÑßòªîÚðð ¨îð÷ çðôÇöÁÿ ¨îÜÐð÷ ¨÷î òâð¦ ØððÜÃðóÚðâð³ðô £Ìðð÷±ð òãð¨îðçð ×ðøȨî (òçðÀ×ðó) ÎðÜð òãð¨îòçðÃð ¥Âð ÙðõâÚððü¨îÐð¡ðøÜ Ü÷ò¾ü±ð çððÏðÐð (¨îð¾á) ÙððùÀþÚðõâð ¨îð÷ ¡ÑðÐððÚðð Ãððò¨î ¥Âð ÑßçÃððãðð÷üÑðÜ äðó³ß ¨îðÜáãððýá ¨îó ¸ðð çð¨÷î. ýçðÙð÷ü 100 âðð®ð ÝÑðÚð÷ Ãð¨î ¨÷î ¥ÂðÑßçÃððãðð÷ü ¨÷î òâð¦ Ü÷ò¾ü±ð ¡ðøÜ ÙðõâÚððü¨îÐð, Çð÷Ððð÷ü ÑßÂððòâðÚðð÷ü ¨îð òÙðåÂðèø. ãðæðá ¨÷î ÇðøÜðÐð ¦çð¦Ùðýá êð÷ëð ¨îð÷ âðêÚð ×ðÐðð¨îÜ Ððýá Úðð÷¸ðÐðð¦ü¡ðÜüØð ¨îó ±ðýáÈ ò¸ðÐðçð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¡ÑðÐð÷ ±ßðè¨îð÷ü ¨îð÷ £Ñðâð×Ïð¨îÜðýá ±ðýá Úðð÷¸ðÐðð¡ð÷ü Ùð÷ü ¨îðÒîó ãðöòÊ èôýá. ýçð¨÷î ¡âððãðð, Ùððü±ð-£ÐÙðô®ð ¨îðÜð÷×ððÜ òãð¨îðçð ¡ðøÜ òãðÄðóÚð çð÷ãðð¡ð÷ü Ãð¨î ×ð÷èÃðÜ ÑðèôüμðÑßÇðÐð ¨îÜ ¦çð¦Ùðýá ¨÷î òãð¨îðçð ¦ãðü ÑßòÃðçÑðÏððáÃÙð¨îÃðð ¨îð÷ çðôÇöÁÿ ¨îÜÐð÷è÷Ãðô ¸ðÙðáÐð ¾÷ò©Ðð¨îâð ¨îð÷¡ðùÑðÜ÷äðÐð ¡ðøÜ ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ×ðóμð çðèÙðòÃð¨îÜðÜ èô¡ð èø.¨öîòæð ¡ðøÜ Ùððýªîð÷ òãðÄð¡ðÑð¨÷î ×ðøȨî Ðð÷ ãðæðá ¨÷î ÇðøÜðÐð ±ßðÙðóÂð ¦ãðü ¨öîòæð çðÙðôÇðÚð ¨îó ¸ðÞÜÃðð÷ü¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î òâ𦠨îýá Ððýá Úðð÷¸ðÐðð¦ü ¸ðøçð÷ ×ðð±ðãððÐðó ¥Âð, ¨öîòæðÚðüëðó¨îÜÂð ¥Âð, Òîçðâð ÑßðÑÃðÜðòäðÚðð÷ü ¨îð òãðÄðÑðð÷æðÂð ¡ðòÇ äðôÞ ¨îóÈ.¨ôî ¡ðøÜ Úðð÷¸ðÐðð¡ð÷ü ¨îó ÞÑðÜ÷®ðð ÃðøÚððÜ ¨îó ¸ðð Üèó èø ¡ðøÜ £Ðè÷üÏðóÜ÷-ÏðóÜ÷ äðôÞ ò¨îÚðð ¸ððÚð÷±ðð. ¡ðÑð¨îð ×ðøȨî òãðÄðóÚð çðÙððãð÷äð ¨îðÚðáªîÙðÙð÷ü çðòªîÚð Üèð èø ¡ðøÜ ýçðÐð÷ ò¨îçððÐðð÷ü ¨îð÷ ¥Âð±ßçÃðÃðð çð÷ Ùðô©Ãð ¨îÜÐð÷¨÷î òâð¦ ÃðóÐð Üð¸Úðð÷ü Ùð÷ü ÑßðÚðð÷ò±ð¨î ¡ðÏððÜ ÑðÜ ¦¨î Úðð÷¸ðÐðð äðôÞ ¨îóèø. ýçð¨÷î ¡âððãðð ¡ðÑð¨îð ×ðøȨî Ç÷äð ¨÷î òãðòØðÐÐð êð÷ëðð÷ü Ùð÷ü Ùððýªîð÷ òãðÄðçðüçÆðð¡ð÷ü ¨îó ¸ðÞÜÃðð÷ü ¨îð÷ ÑðõÜð ¨îÜ Üèð èø. ÑðõÜ÷ Ç÷äð Ùð÷ü ýÐð êð÷ëðð÷ü Ãð¨îÑðèôüμðÐð÷ ¡ðøÜ ýçð ÑðÜ òãðäð÷æð ÏÚððÐð Ç÷Ðð÷ ¨÷î £É÷äÚð çð÷ ¡ðÑð¨îð ×ðøȨîòãðòØðÐÐð äðð®ðð¡ð÷ü Ùð÷ü ¨öîòæð ¨îêðð÷ü ¨îó çÆððÑðÐðð ¨îÜ Üèð èø.òãðÄðóÚð çðÙððãð÷äð¡ðÑð¨îð ×ðøȨî çðÙðð¸ð ¨÷î òãðòØðÐÐð ãð±ðð÷áÈ ¨îó ¸ðÞÜÃðð÷ü ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷îòâð¦ Úðð÷¸ðÐðð¦ü ¦ãðü çð÷ãðð¦ü ¡ðÜüØð ¨îÜÐð÷ ¨÷î òâð¦ ÑßòÃð×ðÊ èø ¡ðøÜ ýçðÃðÜè çðÙðð¸ð ¨÷î ¡×ð Ãð¨î ãðüòμðÃð ãð±ðá ¨îð÷ ¡ðøÑðμððòܨî òãðÄðóÚð ÑßÂððâðóÙð÷ü äððòÙðâð ¨îÜ Üèð èø. ýçð ÑßÚððçð ¨÷î Ñðèâð÷ ¨îÇÙð ¨÷î ÞÑð Ùð÷ü ¡ðÑð¨÷î13

×ðøȨî Ðð÷ `çð×ð¨îð' ×ðμðÃð ®ððÃðð äðôÞ ò¨îÚðð èø ò¸ðçð¨îð £É÷äÚð ×ðøȨîÜòèÃð ¡ðøÜ ¨îÙð ×ðøȨî çðôòãðÏðð ãððâð÷ òãðäððâð ¸ðÐðçðÙðôÇðÚð ¨îð÷ ÙðõâðØðõÃð×ðøÈò¨üî±ð çð÷ãðð¦ü £Ñðâð×Ïð ¨îÜðÐðð èø. Úðè çðôòãðÏðð ¨îÙð ¡ðøçðÃð äð÷æð¡ðãðäÚð¨îÃðð ÑðÜ ¨îð÷Ü ×ðøÈò¨üî±ð ¨îó çðôòãðÏðð¦ü ÃðÆðð çð÷ãðð¦ü ÑßÇðÐð ¨îÜÃðóèø. ±ßðè¨îð÷ü ¨÷î ¡ðøÜ ¡òÏð¨î ãÚððÑð¨î Ðð÷¾ãð¨áî ¨îð÷ äððòÙðâð ¨îÜÐð÷ ¨÷îòâð¦ ýçð Úðð÷¸ðÐðð ¨îð÷ ÑðôÐð: çðüäðð÷òÏðÃð ò¨îÚðð ±ðÚðð èø.ÑßðøÌðð÷ò±ð¨îó £ÐÐðÚðÐð òÐðòÏð Úðð÷¸ðÐðð¡ðÑð¨îð ×ðøȨî ØððÜÃð çðܨîðÜ ¨÷î ãðçëð ÙðüëððâðÚð ÎðÜð 1 ¡Ñßøâð 1999 çð÷äðôÝ¡ðÃðó ÃððøÜ ÑðÜ Ñððüμð ãðæðá ¨îó ¡ãðòÏð ¨÷î òâð¦ μðâððýá ±ðÚðó ÑßðøÌðð÷ò±ð¨îó£ÐÐðÚðÐð òÐðòÏð Úðð÷¸ðÐðð (¾óÚðõ¦Òî¦çð) ¨÷î òâð¦ ÑßÏððÐð ¨÷îÐÍóÚ𠦸ð÷üçðó¨îð ¨îðÚðá ¨îÜ Üèð èø. ýçð Úðð÷¸ðÐðð ¨îð÷ ÑßðÜüØð Ùð÷ü Ñððüμð ãðæðá ¨÷î òâð¦¡ðøÜ ×ððÇ Ùð÷ü 31 Ùððμðá 2007 Ãð¨î ¨îó Ùðü¸ðõòÜÚðð÷ü ¨îð÷ äððòÙðâð ¨îÜÐð÷ è÷ÃðôÃðóÐð ãðæðá ¨÷î òâ𦠡ðøÜ ×ðÁÿð òÇÚðð ±ðÚðð. ýçð¨îð ÑßÙðô®ð £É÷äÚð ýÐð£Ìðð÷±ðð÷ü Ùð÷ü ÑßðøÌðð÷ò±ð¨îó £ÐÐðÚðÐð ¨÷î ¸ðòܦ ¡ðÏðôòÐð¨îó¨îÜÂð ÑðÜ ¨÷îòÐÍÃð¡ðøÜ çðÙðÚð×ðÊ ¨îðÚðáªîÙð ×ðÐððÐðð Æðð. òãðÄðóÚð ãðæðá 2007-08 ¨÷î ×ð¸ð¾Ùð÷ü ýçð Úðð÷¸ðÐðð ¨îð÷ Ñððüμð ãðæðá ¨÷î òâ𦠡ðøÜ ×ðÁÿðÐð÷ ¨îó ³ðð÷æðÂðð ¨îó ±ðÚðóèø. èðâððüò¨î Ùðô®Úð ÏÚððÐð ¨îÃððýá ÑðäμððÃðþ ¨÷î ®ðüÀð÷ü (×ðôÐððýá, Ñßð÷çð÷òçðü±ð¡ðøÜ ãðçëð òÐðÙððáÂð) ÑðÜ òÇÚðð ¸ððÃðð èø, ÃðÆððòÑð ¨îÃððýá ®ðüÀ ¨îð÷ ØðóÚðð÷¸ðÐðð ¨÷î ¡ÐÃð±ðáÃð äððòÙðâð ò¨îÚðð ±ðÚðð èø. ¾óÚðõ¦Òî¦çð ¨÷î ¡üÃð±ðáÃðãðçëð £Ìðð÷±ð (±ðøÜ âð³ðô £Ìðð÷±ð êð÷ëð) ¨÷î òâð¦ ÑßÙðô®ð ¦¸ð÷üçðó ¨÷î ÞÑð Ùð÷ü¡ÑðÐðó ØðõòÙð¨îð ¨÷î ÃðèÃð ¡ðÑð¨îð ×ðøȨî ÑßðÆðòÙð¨î ¥ÂðÇðëðó çðüçÆðð¡ð÷üÎðÜð Ùðü¸ðõÜ ¥Âðð÷ü ¨îó ÑððëðÃðð ¨îó ¾óÚðõ¦Òî¦çð ¨÷î Çöò澨îð÷Âð çð÷ ¸ððüμð¨îÜÃðð èø ¡ðøÜ ýçð ÑßÚðð÷¸ðÐð ¨÷î òâð¦ ØððÜÃð çðܨîðÜ ÎðÜð Çó ±ðÚðóòÐðòÏðÚðð÷ü Ùð÷ü çð÷ ×Úðð¸ð ÑßòÃðÑðõòÃðá çðü×ðüÏðó ¨îðÚðá ¨îó Ç÷®ðÜ÷®ð ¨îÜÃðð èø.ÑðÚððáãðÜÂð çðüÜêðÂð Úðð÷¸ðÐðð¦ü¡ðÑð¨îð ×ðøȨî òãðäãð ×ðøÈ¨î ¨îó òÐðòÏð¨î çðèðÚðÃðð çð÷ ¸ððÜó `¡ð÷¸ðð÷ÐðòÀÑâðóò¾ü±ð çð×ðç¾÷üçð÷çð (¡ð÷Àó¦çð) Ò÷î¸ð ¡ð£¾ ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨÷îòãðÃÃðóÚ𠦸ð÷ü¾ ¨÷î ÞÑð Ùð÷ü ¨îðÚðá ¨îÜ Üèð èø ¡ðøÜ ýçð¨÷î ¡üÃð±ðáÃðÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨îð ÙðõâÚððü¨îÐð ¨îÜÐð÷, ¡ð÷¸ðð÷Ðð ¾àç¾ ÒüîÀ (¡ð÷¾ó¦Òî)¨îð Ñß×ðüÏð ãð çðüòãðÃðÜÂð ¨îÜÐð÷ ÃðÆðð ýçð £Ìðð÷±ð Ùð÷ü ¡ð÷Àó¦çð ¨÷î £ÑðÚðð÷±ð¨îð÷ μðÜÂð×ðÊ ÞÑð çð÷ è¾ðÐð÷ Ùð÷ü âð±ðó ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨÷î ¨îðÚððáÐãðÚðÐðÑðÜ òÐð±ðÜðÐðó Ü®ðÐð÷ ¨îó ò¸ðÙÙð÷ÇðÜó ¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ çððøÈÑðó ±ðÚðó èø.ÑðÚððáãðÜÂð çðüÜêðÂð ¨÷î òÐðÜüÃðÜ ò¨îÚð÷ ¸ððÐð÷ãððâð÷ ÑßÚððçðð÷ü ¨÷î ¦¨î òèççð÷¨÷î ÞÑð Ùð÷ü ¡ðÑð¨îð ×ðøȨî ãðÃðáÙððÐð Ùð÷ü ¡ð÷Àó¦çð ¨îð÷ μðÜÂð×ðÊ ÞÑðçð÷ çðÙððÑÃð ¨îÜÐð÷ãððâðó Çð÷ ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ÑðÜ ¨îðÚðá ¨îÜ Üèð èø ¸ðð÷ãðæðá 2010 Ãð¨î ÑðõÜó èð÷ ¸ðð¦ü±ðó. ¡ðÑð¨÷î ×ðøȨî Ðð÷ ©âðð÷Üð÷ Óâðð÷Üð÷ ¨îð×ðáÐð(çðó¦Òîçðó) Ñßð÷À©äðÐð çð÷©¾Ü ±ß÷¸ðô¡âð Ò÷îºð ¡ð£¾ ÑðòÜÚðð÷¸ðÐðð(¡ð÷Àó¦çð III) ¨÷î ¡üÃð±ðáÃð 80.80 òÙðòâðÚðÐð ¡ÙðÜó¨îó ÀðùâðÜ ¨îó¡ÐðôÇðÐð òÐðòÏðÚððü çðôâðØð ¨îÜðÐð÷ ¨÷î òâð¦ òãðÃÃðóÚð ãðæðá 2000-01 ¨÷îÇðøÜðÐð òãðäãð ×ðøÈ¨î ¨÷î çððÆð ¦¨î ¨îÜðÜ ò¨îÚðð Æðð. ýçð ÑðòÜÚðð÷¸ðÐðð¨÷î ¡üÃð±ðáÃð ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ØðõòÙð¨îð ¦¨î ¦÷çð÷ ×ðøȨîÜ ¨îó èð÷±ðó ¸ðð÷òãðäãð ×ðøȨî ÎðÜð ÑßðòÏð¨öîÃð ò¨îÚð÷ ¸ððÐð÷ ÑðÜ ¡ÐðôÇðÐð òÐðòÏðÚðð÷ü ¨îð÷ £Ñðâð×Ïð¨îÜðÐð÷ ¨îó ãÚðãðçÆðð ¨îÜ÷±ðð. ýçð¨÷î ¡âððãðð ¡±ðçÃð 2004 çð÷ ¨îð×ðáÐð¾÷¾àð ©âðð÷ÜðýÀ (çðó¾óçðó) Ò÷îºð ¡ð£¾ ÑðòÜÚðð÷¸ðÐðð (¡ð÷Àó¦çð IV)¨÷î ¨îðÚððáÐãðÚðÐð ¨÷î òâ𦠡ðÑð¨îð ×ðøȨî òãðÃÃðóÚ𠦸ð÷ü¾ ¨÷î ÞÑð Ùð÷ü ¨îðÚðá¨îÜ Üèð èø ò¸ðçðÙð÷ü £ÃÑððÇÐð ÃðÆðð £ÑðØðð÷±ð Çð÷Ððð÷ü êð÷ëð äððòÙðâð èøÈ.òÑðâð÷ 15-20 ãðæðð÷áÈ ¨÷î ÇðøÜðÐð ±âðð÷×ðâð ãððòÙðáü±ð ¦¨î ÙðèÃãðÑðõÂðá¡üÃðÜðáæ¾àóÚð ÑðÚððáãðÜÂð ÙðôÉð ×ðÐð ±ðÚðð èø. ãðøòäãð¨î çÃðÜ ÑðÜ ±ßóÐð èð£çð±ðøçð (¸ðó¦μð¸ðó) ¨÷î £Ãçð¸ðáÐð ¨îð÷ òÐðÚðüòëðÃð ¨îÜÐð÷ ¨÷î £É÷äÚð çð÷ çðüÚðô©ÃðÜðæ¾à ¸ðâðãððÚðô ÑðòÜãðÃðáÐð çðü×ðüÏðó çðüÜμðÐðð çðÙÙð÷âðÐð (Úðõ¦Ðð¦Òîçðóçðóçðó)¨÷î Ñðêð¨îðÜð÷ü ¨÷î ÃðóçðÜ÷ çðÙÙð÷âðÐð Ùð÷ü òÇçðü×ðÜ 1997 Ùð÷ü ©Úðð÷¾ð÷ Ñßð÷¾ð÷¨îðùâðçãðó¨îðÜ ò¨îÚðð ±ðÚðð. ýçð Ñßð÷¾ð÷¨îðùâð ¨÷î ¡üÃð±ðáÃð çãðμÃðð òãð¨îðçðãÚðãðçÆðð (çðóÀó¦Ùð) ¸ðó¦μð¸ðó ¨îó ¨îÙðó ãððâðó ÑðòÜÚðð÷¸ðÐðð¦ü òãð¨îòçðÃð¨îÜÐð÷ãððâðó ¨üîÑðòÐðÚðð÷ü ¨îð÷ Ñßð÷ÃçððèÐð ÑßÇðÐð ¨îÜÐð÷ ¨÷î òâ𦠨îó ±ðÚðóÑðèâðð÷ü Ùð÷ü çð÷ ¦¨î Ñðèâð èø. ¸ðó¦μð¸ðó ¨îòÙðÚðð÷ü ¨÷î òâ𦠪÷îòÀ¾ ÑßÙððòÂðÃð£Ãçð¸ðáÐð ¨îÙðó (çðóýá¡ðÜ) ¨÷î ¡ÐðôçððÜ òÇÚð÷ ¸ððÃð÷ èøÈ. Úð÷ çðóýá¡ðÜò×ðªîó Úðð÷±Úð èøÈ ¡ðøÜ ýÐð¨îó ®ðÜóÇ ª÷îÃðð ¨îð÷ Ñßð÷¾ð÷¨îðùâð ¨÷î ¡üÃð±ðáÃð¡ÑðÐðó ãðμðÐð×ðÊÃðð ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î òâð¦ Ñððëð ×ðÐððÃðó èøÈ. ¡ðÑð¨îð×ðøȨî çðóÀó¦Ùð ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¡ðøÜ ¨îð×ðáÐð ¾à÷òÀü±ð çðâððè ¨÷î êð÷ëð Ùð÷üòÐðÙÐðòâðò®ðÃð çð÷ãðð¦ü ÑßÇðÐð ¨îÜ Üèð èø :(i) çðóÀó¦Ùð ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨îó ÑðèμððÐð(ii) çðóÀó¦Ùð ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨îð òÐðÏðóÚðÐð(iii) Úðõ¦Ðð¦Òîçðóçðóçðó ¨÷î Ñððçð çðóÀó¦Ùð ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨÷î Üò¸ðç¾à÷äðÐð¨îó ÑßòªîÚðð Ùð÷ü çðèðÚðÃðð ¨îÜÐðð(iv) çðóýá¡ðÜ ¨îð ãððòÂð¸Úðó¨îÜÂð/ò×ðªîó ¡ðøÜ(v) ò¨îçðó ¡ÐÚð çðü×ðÊ ×ðøÈò¨üî±ð Úðð÷¸ðÐðð¡ð÷ü/çð÷ãðð¡ð÷ü ¨îð ÑßðãðÏððÐðãðæðá ¨÷î ÇðøÜðÐð çðóÀó¦Ùð ÑðòÜÚðð÷¸ðÐðð ¨îðÚðá¨îâððÑð ÃðÆðð ¨îð×ðáÐð çðâððè¨îðÜó¨îðÚðá¨îâððÑð ¨÷î çðü×ðüÏð Ùð÷ü ¡ðÑð¨÷î ×ðøȨî Ðð÷ ØððÜÃð Ùð÷ü ¦¨î ¡±ßÂðó Ãð¨îÐðó¨îóÑðÜðÙðäðáÇðëðó çðüçÆðð, òÙð¾¨îðùÐð, ¡üÃðÜðáæ¾àóÚð òãðÄð òÐð±ðÙð (¡ðýá¦Òîçðó),ãððòäðü±ð¾Ðð ÃðÆðð ¨÷î¦ÒîÀ×âÚðõ, ¸ðÙðáÐðó ¨÷î çððÆð çðèÙðòÃð ìððÑðÐð ÑðÜèçÃððêðÜ ò¨îÚð÷.¾à÷¸ðÜó ÑðòÜμððâðÐð¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¾à÷¸ðÜó Ðð÷ ×ððüÀð÷ü ÃðÆðð ¸ðÙððÜðòäðÚðð÷ü ¨÷î ÙððÏÚðÙð çð÷òÑðâð÷ £ÏððÜð÷ü ¨îó μðô¨îðøÃðó ¨÷î ¡âððãðð ¥Âð çðüòãðÃðÜÂðð÷ü ¨÷î òâð¦òÐðòÏð Ñßãððè ¨îð÷ ÑðõÜð ¨îÜÐð÷ è÷Ãðô ×ðøÈ¨î ¨îó μðâðòÐðòÏð ¡ðãðäÚð¨îÃðð¡ð÷ü¨îð ÑßØððãðó Áü±ð çð÷ Ñß×ðüÏð ò¨îÚðð. ¸ðèðü ÐÚðõÐð âðð±ðÃðãððâðó μððâðõ ®ððÃðð- ×ðμðÃð ®ððÃðð (çðó¦¦çð¦) ¸ðÙððÜðòäðÚðð÷ü ¨÷î òèççð÷ ¨îð÷ ×ðÁÿðÐð÷ ÑðÜçðÙð±ß ÞÑð çð÷ ¸ðð÷Ü Üèð, ãðèóÈ ¡ðÑð¨÷î ×ðøȨî Ðð÷ ò¨îÒîðÚðÃðó ÃðÜó¨÷î çð÷×ðøÈ¨î ¨îó μðâðòÐðòÏð ¡ðãðäÚð¨îÃðð¡ð÷ü ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î òâð¦ Ç÷äðóÃðÆðð ¡üÃðÜðáæ¾àóÚð Çð÷Ððð÷ü ÑߨîðÜ ¨÷î çðüçððÏðÐð ¸ðô¾ðÐð÷ ¨÷î òãðãð÷¨îÑðõÂðáçðüòÙðåÂð ¨îð £ÑðÚðð÷±ð ò¨îÚðð.¡ðÑð¨÷î ×ðøȨî Ðð÷ Ç÷äðó ×ðð¸ððÜ Ùð÷ü çðüçððÏðÐð ¡ðÏððÜ ¨îð÷ ×ðÁÿðÐð÷ ¨÷î òâð¦òãðòØðÐÐð ÑߨîðÜ ¨÷î òâð®ðÃðð÷ü ¨îð £ÑðÚðð÷±ð ò¨îÚðð. ýçðÐð÷ ¡òçÆðÜ ×ðð¸ððÜ14

Ùð÷ü ¡ãðçðÜð÷ü ¨îó ÑðèμððÐð ¨îÜÐð÷ ¡ðøÜ ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¸ðð÷ò®ðÙð ¡ÐðôÙððÐðÃðÆðð ¸ðð÷ò®ðÙ𠣿ðÐð÷ ¨îó êðÙðÃðð ¨÷î ¡ÐðôÞÑð ¨÷îÐÍóÚð ÃðÆðð Üð¸ÚðçðܨîðÜð÷ü ¨îó ÑßòÃðØðõòÃðÚðð÷ü ¨÷î òãðãð÷¨îÑðõÂðá çðüòÙðå ¨÷î çððÆð ¦çð¦âð¡ðÜÑðð÷¾áÒîð÷òâðÚðð÷ ¨îð÷ ªîòÙð¨î ÞÑð çð÷ òÐðòÙðáÃð ¨îÜÐð÷ ¨÷î òâð¦ ÃðÃÑðÜÃððÑðõãðá¨î¨îÇÙ𠣿ðÚð÷.¾à÷¸ðÜó ÑðòÜμððâðÐðð÷ü ¨îó Çöòæ¾ çð÷ ¡ðÑð¨îð ×ðøȨî çðÙð±ß òÐðãð÷äð Ñðð÷¾áÒîð÷òâðÚðð÷¨÷î ¦¨î òèççð÷ ¨÷î ÞÑð Ùð÷ü ýò©ãð¾ó òÐðãð÷äð ¨÷î êð÷ëð Ùð÷ü Øðó ¨îðÚðá ¨îÜÃððèø. ýò©ãð¾ó Ùð÷ü òÐðãð÷äð Ùðô®ÚðÃðÚðð ÑðòÜÚðð÷¸ðÐðð òãðÄðóÚð ¨îðÚðá¨îâððÑðð÷ü/ÑßðÆðòÙð¨î ×ðð¸ððÜ Ùð÷ü ÑßÃÚðêð ¡òØðÇðÐð ¡ðøÜ ¡ðøÌðð÷ò±ð¨î ¦ãðü òãðÄðóÚðÑðôÐðçðáÈÜμðÐðð ×ðð÷Àá (×ðó¡ðýá¦Òî¡ðÜ)/ ¨îðùÜÑðð÷Ü÷¾ ¥Âð ÑðôÐðçðáÈÜμðÐððãÚðãðçÆðð ¨÷î ¡üÃð±ðáÃð ÃðøÚððÜ ò¨îÚð÷ ±ðÚð÷ Ñðø¨÷î¸ðð÷ü çðòèÃð ÑðôÐðãððáçð £ÑððÚðð÷ü¨÷î òèççð÷ ¨÷î ÞÑð Ùð÷ü ¥Âð ¨÷î çðüÑðòÜãðÃðáÐð ¨÷î ¸ðòܦ Üè÷ èøÈ. ×ðð¸ððÜòçÆðòÃðÚðð÷ü ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ çð÷¨÷üîÀÜó ×ðð¸ððÜ ÑðòÜμððâðÐð Øðóò¨îÚð÷ ¸ððÃð÷ èøÈ.¡ðÑð¨î÷ ×ðøÈ¨î ¨îó ¾à÷¸ðÜó ¨îðùÜÑðð÷Ü÷¾ ÃðÆðð ®ðôÇÜð ±ßðè¨îð÷ü ¨îó òãðÇ÷äðóÙðôÍð ¨îó çðØðó ÑߨîðÜ ¨îó ¡ðãðäÚð¨îÃðð¡ð÷ü ¨îð÷ ÑðõÜð ¨îÜÃðó èø ¡ðøÜÑßð÷ÑðÜðý¾Üó ¾à÷òÀü±ð ¨îð ¨îðÙð ¨îÜÐð÷ ¨÷î çððÆð-çððÆð £Ðð¨÷î ¡ðÚððÃð,òÐðÚððáÃð ÃðÆðð Ñß÷æðÂð âð÷ÐðÇ÷Ðð çðü×ðüÏðó ¸ðÞÜÃðð÷ü ¨îð÷ Øðó ÑðõÜð ¨îÜÃðó èø.ÙðôÍð ÃðÆðð ×Úðð¸ð ÇÜ £ÃððÜ-μðÁÿðãð ÑðÜ çðòªîÚð ¾à÷¸ðÜó çðâððè¨îðÜóçð÷ãðð¡ð÷ü çðòèÃð ±ßðè¨îð÷ü ¨÷î çððÆð çðüãððÇ çð÷ ×ðøÈ¨î ¨îð÷ Ðð òçðÒáî ÙðèðÐð±ðÜð÷üÙð÷ü ×ðòâ¨î ¾óÚðÜ II äðèÜð÷ü Ùð÷ü Øðó ¡ÑðÐð÷ ±ßðè¨î ¡ðÏððÜ ¨îð÷ ×ðÁÿðÐð÷Ùð÷ü çðèðÚðÃðð òÙðâðó èø. ýçð çðü×ðüÏð Ùð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨îó òãðäð÷æðó¨öîÃð¾à÷¸ðÜó äðð®ðð ¨îðùÜÑðð÷Ü÷¾ ×ðøÈò¨üî±ð ÃðÆðð òܾ÷âð ×ðøÈò¨üî±ð ÑßØðð±ðð÷ü ¨÷î òÐð¨î¾çðÙðÐãðÚð Ùð÷ü ¨îðÚðá ¨îÜÃðó èø Ãððò¨î Ñðèôüμð ¨îð÷ ¡ðøÜ ãÚððÑð¨î ×ðÐððÚðð¸ðð çð¨÷î ¡ðøÜ ÐðÚð÷ çðü×ðüÏð òãð¨îòçðÃð ¨îÜ ×ðÐððÚð÷ Ü®ð÷ ¸ðð çð¨÷üî.À÷òÜãð÷ò¾ãð ¡ðøÜ ¾à÷¸ðÜó Ùðð¨÷áîò¾ü±ðÀ÷òÜãð÷ò¾ãð çð÷ãðð ¨÷î êð÷ëð Ùð÷ü ¡ðÑð¨îð ×ðøÈ¨î ¡ÑðÐð÷ ±ßðè¨îð÷ü ¨îð÷ òãðÇ÷äðóÙðôÍð ÃðÆðð ×Úðð¸ð ÇÜ À÷òÜãð÷ò¾ãð ÑðÜ çðâððè Ç÷Ãðð èø ¡ðøÜ £Ðð¨÷î òâð¦çððøÇ÷ ¨îÜÃðð èø. ×ðøÈ¨î ¡ÑðÐð÷ ¨îðùÜÑðð÷Ü÷¾ ±ßðè¨îð÷ü ¨îó ¡ðãðäÚð¨îÃðð¡ð÷ü¨îð òÐðÚðòÙðÃð ÞÑð çð÷ ¡ð¨îâðÐð ¨îÜÐð÷ ¨÷î òâ𦠣Ððçð÷ òÐðÜüÃðÜ ×ððÃðμðóÃð¨îÜÃðð ÜèÃðð èø Ãððò¨î £Ðè÷ü À÷òÜãð÷ò¾ãð çðüÜμðÐðð¡ð÷ü ¨îð ÑßÚðð÷±ð ¨îÜÃð÷èô¦ òãðÇ÷äðó ÙðôÍð ÃðÆðð ×Úðð¸ð ÇÜ ¦©çðÑðð÷¸ðÜ ¨îð Ñß×ðüÏð ¨îÜÐð÷ ¨÷îòâ𦠡ðãðäÚð¨îÃðð ¡ðÏððòÜÃð çðÙððÏððÐð ÑßÇðÐð ò¨îÚðð ¸ðð çð¨÷î. Úðè¦÷çð÷ ÐðÚð÷ À÷òÜãð÷ò¾ãð £ÃÑððÇð÷ü ¨îó òÐðÜüÃðÜ ®ðð÷¸ð Ùð÷ü ÜèÃðð èø ¸ðð÷¨îðùÜÑðð÷Ü÷¾ ±ßðè¨îð÷ü ¨îð÷ ¸ðð÷ò®ðÙð Ñß×ðüÏð £ÑððÚð ¨÷î ÞÑð Ùð÷ü òÇÚð÷ ¸ððçð¨÷üî. ¡ðÑð¨îð ×ðøÈ¨î £ÑðÚðô©ÃðÃðð £ÑððÚðð÷ü ¨÷î çððÆð ¨îðùÜÑðð÷Ü÷¾ ±ßðè¨îð÷ü¨îó À÷òÜãð÷ò¾ãð ¡ðãðäÚð¨îÃðð¡ð÷ü ¨îð ¡ð¨îâðÐð ¨îÜÐð÷ ¨÷î òâ𦠦¨îçðôçðü±ðÃð ÑßÂððâðó ¨îð ¡ÐðôçðÜÂð ¨îÜÃðð èø. ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¡ðòçÃðÇ÷ÚðÃðð Ñß×ðüÏð ¨÷î òâð¦ À÷òÜãð÷ò¾ãð çððøÇ÷ Øðó ò¨îÚð÷ èøÈ. ýÐð çððøÇð÷ü ¨îó×ðμððãð ãÚðãðçÆðð ¨÷î ÞÑð Ùð÷ü £Ðð¨îó ÑßØððãð¨îðòÜÃðð ¨îó òÐð±ðÜðÐðó ¨îÜÐð÷¨÷î òâ𦠡ðãðòÏð¨î ÞÑð çð÷ çðÙðóêðð ¨îó ¸ððÃðó èø. ¡ðÑð¨÷î ×ðøȨî Ðð÷çðüÑðõÂðá À÷òÜãð÷ò¾ãð Ñðð÷¾áÒîð÷òâðÚðð÷ ¨îó òÐð±ðÜðÐðó ¨îÜÐð÷ ¨÷î òâ𦠦¨î £òμðÃð¸ðð÷ò®ðÙð Ñß×ðüÏð ÑßòªîÚðð äðôÞ ¨îó èø.çðüçððÏðÐð çðü±ßèÂðãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî Ðð÷ ×ððüÀð÷ü ¨÷î ¸ðòÜÚð÷ £ÏððÜ ÜðòäðÚðð÷ü ¡ðøÜçððÆð èó ¸ðÙððÜðòäðÚðð÷ü ò¸ðÐðÙð÷ü ÙðóÚððÇó/×ðμðÃð/μððâðõ ®ððÃð÷ ¡ðøÜ ¸ðÙððÑßÙððÂðÑðëð äððòÙðâð èøÈ, ¨÷î ¸ðòܦ ÝÑðÚðð çðüçððÏðÐð ¸ðô¾ðÚð÷. ¡ðÑð¨÷î ×ðøȨîÐð÷ ¦¨î Çó³ððáãðòÏð Çöò澨îð÷Âð ¨÷î ÞÑð Ùð÷ü ¸ðÙððÜðòäðÚðð÷ü ¨÷î ¸ðòܦ çðüçððÏðÐð¸ðô¾ðÐð÷ ÑðÜ ÑðÚððáÑÃð ¸ðð÷Ü òÇÚðð èø Ãððò¨î ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î òâð¦ òÐðòÏðÚðð÷ü¨îð ÑßÙðô®ð çßð÷Ãð ¸ðÙððÜðòäðÚðð÷ü ¨îð÷ ×ðÐððÚðð ¸ðð çð¨÷î. òܾ÷âð ¸ðÙððÜðòäðÚðð÷ü¨÷î òèççð÷ ¨îð÷ ×ðÁÿðÐð÷ ÑðÜ Øðó òãðäð÷æð ¸ðð÷Ü òÇÚðð ¸ððÃðð Üèð èø.×ðð¸ððÜ Ùð÷ü Ððãðð÷ÐÙð÷æðó Úðð÷¸ðÐðð¦ü âððÐð÷ ¨îó çðÃðÃð ÑßòªîÚðð ¨÷î ¦¨î òèççð÷¨÷î ÞÑð Ùð÷ü ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¡ðýáÀó×ðó¡ðýá çðôòãðÏðð ÑâðçðòÒî©çÀ òÀÑððùò¸ð¾, ¡ðýáÀó×ðó¡ðýá çðôòãðÏðð ¾ø©çð çð÷òãðü±ð òÒî©çÀòÀÑððùò¸ð¾, ¡ðýáÀó×ðó¡ðýá çðôòãðÏðð ¡ðãðÃðóá ¸ðÙðð ÃðÆð𠦩çð÷çð ÑâðçðçðôÑðÜ çð÷òãðü±ð ®ððÃðð äðôÞ ò¨îÚð÷ ò¸ðÐè÷ü ×ðð¸ððÜ Ùð÷ü ¡μð ÑßòÃðçððÇòÙðâðð. ¡ð¨îæðá¨î ×Úðð¸ð ÇÜ ¨÷î çððÆð ¡âÑððãðòÏð çð÷ ÙðÏÚððãðòÏð ¨îó`òÐðÚðÃð ¡ãðòÏð ¦ÒîÀó' Ùð÷ü òÐðãð÷äð ¨îÜÐð÷ ¨÷î ýμô¨î ±ßðè¨îð÷ü ¨îð÷ ÏÚððÐðÙð÷ü Ü®ð¨îÜ ¡ðýáÀó×ðó¡ðýá çðôòãðÏðð Ñâðçð òÒî©çÀ òÀÑððùò¸ð¾ ×ðÐððÚðó±ðÚðó. ýçð ¡Ù×ß÷âðð ¨÷î ¡üÃð±ðáÃð Úðð÷¸ðÐðð¦ü òãðòØðÐÐð ¡ãðòÏðÚðð÷ü ¨îó ÆðóÈ¡ðøÜ ×ðð¸ððÜ Ùð÷ü òçðÒáî çðóòÙðÃð ¡ãðòÏðÚðð÷ü ¨÷î òâ𦠣Ñðâð×Ïð ÆðóÈ. ¨÷îÐÍóÚðÑßÃÚðêð ¨îÜ ×ðð÷Àá ¨îó òÇÐððü¨î 28 ¸ðôâððýá 2006 ¨îó ¡òÏðçðõμðÐðð Ùð÷ü Çó±ðÚðó ¨îÜ òÜÚððÚðÃðð÷ü ÎðÜð ÑßÇðÐð ò¨îÚð÷ ±ðÚð÷ ¡ãðçðÜð÷ü ¨îð âððØ𠣿ðÐð÷ ¨÷îòâ𦠡ðýáÀó×ðó¡ðýá çðôòãðÏðð ¾ø©çð çð÷òãðü±ð òÒî©çÀ òÀÑððùò¸ð¾ Úðð÷¸ðÐððäðôÞ ¨îó ±ðÚðó Æðó. ±ßðè¨îð÷ü ¨îð÷ ¡ð¨îòæðáÃð ¨îÜÐð÷ ¨÷î òâð¦ Çð÷Ððð÷ü¸ðÙððÜðòäðÚðð÷ü ÑðÜ ÑßòÃðçÑðÏðóá ÇÜ÷ü Ü®ðó ±ðÚðó ÆðóÈ.¡ðÑð¨÷î ×ðøȨî Ðð÷ ×ððüÀð÷ü ¨÷î òÐð¸ðó òÐðÚðð÷¸ðÐð ¨÷î ¸ðòÜÚð÷ Çó³ððáãðòÏð çðüçððÏðÐð¸ðô¾ðÐðð ¸ððÜó Ü®ðð. ±ððøÂð ¾óÚðÜ-II ×ððüÀ ¨÷î òÐð±ðáÙðð÷ü Ðð÷ ×ðøÈ¨î ¨îó Ñðõü¸ðóÑðÚððáÑÃðÃðð ¨îð÷ Ùð¸ð×ðõÃð ×ðÐððÚðð èø. ãðæðá ¨÷î £ÄðÜðÏðá Ùð÷ü £ÏððÜ ÜðòäðÚðð÷ü¨îó âðð±ðÃð Ùð÷ü ãðöòÊ ¨îð÷ Ç÷®ðÃð÷ èô¦ ¡ðÑð¨÷î ×ðøȨî Ðð÷ òÐðòÏð¡ðãðäÚð¨îÃðð¡ð÷ü ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î òâ𦠡âÑð¨îðòâð¨î £ÏððÜ ÜðòäðÚðð÷ü¨îð ¡òÏð¨î çðèðÜð òâðÚðð.¡μ÷ Ñðõü¸ðó ÑðÚððáÑÃðÃðð ¡ÐðôÑððÃð ¡ðøÜ ¾óÚðÜ-II Ñðõü¸ðó ¸ðô¾ðÐð÷ ¨÷î òâð¦¡ÑßÚðô©Ãð çðóÙðð ¨îð÷ Ç÷®ðÃð÷ èô¦ ¡ðÑð¨÷î ×ðøȨî Ðð÷ (¨î) Ððãðð÷ÐÙð÷æðó çðÃðÃð¥Âð òâð®ðÃð ¸ðð÷ ¾óÚðÜ-I Ñðõü¸ðó ¨÷î ÞÑð Ùð÷ü äððòÙðâð ¨îÜÐð÷ ¨÷î òâð¦Ñððëð èøÈ ¡ðøÜ (®ð) ¥Âð Ñðõü¸ðó òâð®ðÃð ¸ðð÷ ¤ÑðÜó ¾óÚðÜ-II Ñðõü¸ðó ¨÷îÞÑð Ùð÷ü äððòÙðâð ¨îÜÐð÷ ¨÷î òâð¦ Ñððëð èøü, ¨÷î ÞÑð Ùð÷ü Ñðõü¸ðó òÐðòÏðÚððü¸ðô¾ðÐð÷ ¨÷î òâð¦ ØððÜÃðóÚð òܺðãðá ×ðøȨî ÎðÜð ÑßÇðÐð ¨îó ±ðÚðó çðôòãðÏðð¨îð £ÑðÚðð÷±ð ÐðèóÈ ò¨îÚðð. ÃðÆððòÑð ¡ðÑð¨îð ×ðøÈ¨î ¡ðãðäÚð¨îÃðð ÃðÆðð¡ãðçðÜ £ÃÑðÐÐð èð÷Ðð÷ ÑðÜ £ÑðÚðôá©Ãð ×ððüÀ òãð¨îâÑðð÷ü ¨÷î ¡üÃð±ðáÃð ØðóçðüçððÏðÐð ¸ðô¾ðÐð÷ ¨îó çðüØððãðÐðð¡ð÷ü ¨îó ®ðð÷¸ð ¨îÜ÷±ðð. Úðè £ââð÷®ðÐðóÚðèø ò¨î ØððÜÃðóÚð òܺðãðá ×ðøȨî Ðð÷ ×ðôòÐðÚððÇó êð÷ëðð÷ü ¨îó ÑðòÜÚðð÷¸ðÐðð¡ð÷ü çð÷òØðÐÐð âðü×ðó ¡ãðòÏðãððâðó ÑðòÜÚðð÷¸ðÐðð¡ð÷ü ¨îó òãðÄðÑðð÷æðÂð¡ðãðäÚð¨îÃðð¡ð÷ü ¨îð÷ ÑðõÜð ¨îÜÐð÷ è÷Ãðô ÑßòÃðÑðõòÃðá ¡ðÏððÜ ÑðÜ ×ððüÀ ¸ððÜó¨îÜÐð÷ ¨÷î ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¡ÐðôÜð÷Ïð ¨îð÷ çãðó¨îðÜ ¨îÜ òâðÚðð èø. ØððÜÃðóÚðòܺðãðá ×ðøÈ¨î ¨îó £ÑðÚðôá©Ãð ¡ÐðôÙðòÃð çð÷ ¡ðÑð¨îð ×ðøÈ¨î ¡ðøÜ ¡òÏð¨îÇó³ððáãðòÏð çðüçððÏðÐð ¸ðô¾ð çð¨÷î±ðð.15

òãðÇ÷äðó ÙðôÍð çðüçððÏðÐðçðÙðóêððÏðóÐð ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî Ðð÷ òÐðòÏðÚðð÷ü ¨îó çðÙð±ßâðð±ðÃð ¨îð÷ ¨îÙð ¨îÜÐð÷ ¨÷î £É÷äÚð çð÷ £μμð âðð±ðÃðãððâðó òãðÇ÷äðóÙðôÍð (¦Òîçðó) £ÏððÜ ÜðòäðÚðð÷ü Ùð÷ü çð÷ ¦¨î ¨îð òÐðÚðÃð çðÙðÚð-ÑðõãðáØðô±ðÃððÐð ¨îÜ òÇÚðð. ýçðó ¡ãðòÏð ¨÷î ÇðøÜðÐð ¡êðÃð ¾óÚðÜ-I Ñðõü¸ðó¨îó 25% çðóÙðð ¨÷î ¡üÃð±ðáÃð ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¡üÃðÜ - ×ðøȨî çððøÇð÷üÃðÆðð çðÙðõòèÃð ¥Âðð÷ü ¨÷î ¸ðòܦ òãðÇ÷äðó ×ðøȨîð÷ü / ØððÜÃðóÚð ×ðøȨîð÷ü¨îó òãðÇ÷äðó äðð®ðð¡ð÷ü çð÷ 325 òÙðòâðÚðÐð ¡ÙðÜó¨îó ÀðùâðÜ ¨îóÜðòäð ¸ðô¾ðÚðó. ¡ðÑð¨îð ×ðøȨî òãðÇ÷äðó ÙðôÍð òÐðòÏðÚððü ¸ðô¾ðÐð÷ ¨÷î òâð¦ØððÜÃðóÚð òܺðãðá ×ðøÈ¨î ¨÷î òÇäðð-òÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôçððÜ çðóòÐðÚðÜ À÷¾¡ðøÜ çðÃðÃð ¾óÚðÜ I ¦ãðü ¤ÑðÜó ¾óÚðÜ II Ñðõü¸ðó ¨÷î ÞÑð Ùð÷ü òãðòØðÐÐðμðÜÂðð÷ü Ùð÷ü 1.5 ò×ðòâðÚðÐð ¡ÙðÜó¨îó ÀðùâðÜ ¨îó ÚðõÜð÷ ãððòÂðò¸Úð¨îÑðëð ÙðÏÚððãðòÏð Ððð÷¾ (ýáçðóÑðó¦Ùð¾ó¦Ðð) Úðð÷¸ðÐðð ×ðÐðð Üèð èø. ýçðÑߨîðÜ ¸ðô¾ðýá ±ðýá òÐðòÏðÚðð÷ü ¨îð £ÑðÚðð÷±ð Ç÷äðó ÑðòÜμððâðÐðð÷ü ¨÷î òâð¦,¦Òîçðó òÐðòÏðÚðð÷ü, Øððãðó òãðçÃððÜ / ¡òÏð±ßèÂð ÃðÆðð çððÆð èó òãðÄðóÚðãðæðá 2007-08 ¨÷î ÇðøÜðÐð òãðÇ÷äð Ùð÷ü ®ðð÷âðó ¸ððÐð÷ ãððâðó äðð®ðð¡ð÷ü¨÷î ÑðòÜμððâðÐðð÷ü ¨÷î òâð¦ ò¨îÚðð ¸ððÚð÷±ðð. ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¦Ðð¡ðÜ¡ðýá¸ðÙððÜðòäðÚðð÷ü ¨÷î £Ñðâð×Ïð çßð÷Ãð ¨÷î ÙððÏÚðÙð çð÷ Øðó òãðÇ÷äðó ÙðôÍð¸ðÙððÜðòäðÚððü ¸ðô¾ðýáÈ.çðóÙðð-ÑððÜ äðð®ðð¦ü×ðøÈ¨î ¨÷î ±ßðè¨îð÷ü ¨îó çðóÙðð-ÑððÜ òãðÄðÑðð÷æðÂð çðü×ðüÏðó ¸ðÞÜÃðð÷ü ¨îð÷ ÑðõÜð¨îÜÐð÷ ¡ðøÜ ¡üÃðÜðáæ¾àóÚð çÃðÜ ÑðÜ Úðð÷¸ðÐðð¦ü £Ñðâð×Ïð ¨îÜð ¨îÜ Ç÷äðó×ðøÈò¨üî±ð ¨îó çðôÇöÁÿÃðð ¨îð âððØ𠣿ðÐð÷ ¨÷î £É÷äÚð çð÷ ¡ðÑð¨÷î ×ðøȨî Ðð÷òãðÇ÷äðó ×ðð¸ððÜð÷ü Ùð÷ü Ñßãð÷äð ¨îÜÐð÷ ¨îð òÐðÂðáÚð òâðÚðð èø. ØððÜÃðóÚð òܸðãðá×ðøȨî Ðð÷ òçðü±ððÑðôÜ ÃðÆðð ×ðèÜóÐð Ùð÷ü ¡ÑðÃð¾óÚð ¨îðÜð÷×ððÜó ý¨îðýÚððü (¡ð÷×ðóÚðõ)¡ðøÜ äðü³ððýá, Ùððç¨îð÷ ÃðÆðð Çô×ðýá Ùð÷ü ÑßòÃðòÐðòÏð ¨îðÚððáâðÚð ®ðð÷âðÐð÷ ¨÷îòâ𦠡ÐðôÙðð÷ÇÐð ÑßÇðÐð ¨îÜ òÇÚðð èø.Ü÷ò¾ü±ð¡ðÑð¨îð ×ðøȨî Ç÷äðó ¡ðøÜ òãðÇ÷äðó ÙðôÍð £ÏððÜð÷ü, Çð÷Ððð÷ü ¨÷î òâ𦠪÷îòÀ¾Ü÷ò¾ü±ð ÑßðÑÃð ¨îÜÃðð èø. ÝÑðÚðð çðüçððÏðÐðð÷ü ¨îó Ü÷ò¾ü±ð, ×Úðð¸ð ¡ðøÜ ÙðõâðÏðÐð¨îó çðÙðÚð ÑðÜ μðô¨îðøÃðó ¨÷î çðü×ðüÏð Ùð÷ü £μμð çðôÜêðð ¨îð÷ ÇäððáÃðó èø ¸ðð÷Ãððòâð¨îð 3 Ùð÷ü òÇ®ððýá ±ðýá èø.¡ðÑð¨÷î ×ðøÈ¨î ¨îó òãðÇ÷äðó ÙðôÍð £ÏððÜ ÜðòäðÚðð÷ü ¨îó Ü÷ò¾ü±ð ¡üÃðÜðáæ¾àóÚðÜ÷ò¾ü±ð ¦¸ð÷üòçðÚðð÷ü ¡ÆððáÃðþ ç¾øÈÀÀá ¦üÀ Ñðõ¡çðá (¦çð¦ÈÀÑðó), ÙðõÀóºðýÐãð÷ç¾çðá çðòãðáçð÷¸ð (ÙðõÀóºð) ¡ðøÜ òÒîμð Ü÷ò¾ü±çð ÎðÜð Çó ¸ððÃðó èø.¡üÃðÜðáæ¾àóÚð Ü÷ò¾ü±ð ¦¸ð÷üòçðÚðð÷ü ÎðÜð Çó ±ðÚðó Çó³ðá¨îðòâð¨î òãðÇ÷äðó ÙðôÍðÜ÷ò¾ü±ð ¡ðøÜ ×ðøÈ¨î ¨îó òãðÄðóÚð çðôÇöÁÿÃðð ¨îó Ü÷ò¾ü±ð (×ðó¦Òî¦çð¡ðÜ)Ãððòâð¨îð 4 Ùð÷ü Çäððáýá ±ðýá èø.Ãððòâð¨îð 3 : ÝÑðÚðð £ÏððÜ ÜðòäðÚðð÷ü¨îó Ü÷ò¾ü±ð (31 Ùððμðá 2007 ¨îð÷)òªîòçðâð ýªîð òÒîμðÇó³ððáãðòÏðÝÑðÚðð ×ððüÀ AA+/ç¾÷×ðâð LAA + AA +(ýüÀ)ÙðóÚððÇó¸ðÙððÜðòäðÚððü FAAA MAA + AA + (ýüÀ)¡âÑððãðòÏð£ÏððÜ ÜðòäðÚððü P1+ A 1+ F1 + (ýüÀ)Ãððòâð¨îð 4 : òãðÇ÷äðó ÙðôÍð £ÏððÜ ÜðòäðÚðð÷ü ¨îó Ü÷ò¾ü±ð(31 Ùððμðá 2007 ¨îð÷)Ü÷ò¾ü±ð ¦¸ð÷üçðó Çó³ðá¨îðòâð¨î Ü÷ò¾ü±ð ×ðó¦Òî¦çð¡ðÜç¾øüÀÀá ¦üÀ Ñðõ¡çðá(¦çð¦üÀÑðó) BBB - CÙðõÀó¸ð ýüãð÷ç¾çðáçðòãðáçð÷¸ð (ÙðõÀó¸ð) Baa2 D -òÒîμð Ü÷ò¾ü±çð BBB - C/D¸ðèðü ¦çð¦üÀÑðó ¡ðøÜ òÒîμð Ü÷ò¾ü±çð ÎðÜð ¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ ÑßÇðÐð ¨îó ±ðýáòãðÇ÷äðó ÙðôÍð ¥Âð Ü÷ò¾ü±ð çððùãðòÜÐð Ü÷ò¾ü±ð ¨÷î ×ðÜð×ðÜ èø, ãðèóÈ ÙðõÀó¸ðÎðÜð Çó ±ðýá Ü÷ò¾ü±ð çððùãðòÜÐð Ü÷ò¾ü±ð çð÷ ¦¨î å÷Âðó ¤ÑðÜ èø.¡ðòçÃð ±ðôÂðãðÄððÙððμðá 2007 ¨÷î ¡üÃð Ùð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨îó 98.88% ¥Âð ¡ðòçÃðÚððüÙððÐð¨î ÆðóÈ. Ùððμðá 2007 ¨÷î ¡üÃð Ùð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¥Âð ¡ðòçÃðÚðð÷üÙð÷ü 0.78% ¡ðòçÃðÚððü ¡ãðÙððÐð¨î ÆðóÈ ¸ð×ðò¨î çðüòDZÏð ¡ðòçÃðÚððü 0.34%ÜèóÈ, ò¸ðÐð¨÷î òâð¦ Ùððø¸ðõÇð òãðãð÷¨îÑðõÂðá òãðòÐðÚðÙðÐðð÷ü ¨÷î ¡ÐðôÞÑð çðÙðôòμðÃðÑßðãðÏððÐð ò¨îÚð÷ ±ðÚð÷. ¡ðÑð¨îð ×ðøȨî âððØðÑßÇÃðð Ùð÷ü çðôÏððÜ âððÐð÷ ¨÷îòâð¦ ãðçðõâðó ¨÷î òãðòØðÐÐð ÑßÚððçð ¸ððÜó Ü®ð÷ èô¦ èø. ãðæðá ¨÷î ÇðøÜðÐð¡ðÑð¨÷î ×ðøȨî Ðð÷ ¡ÑðÐð÷ Ñðð÷¾áÒîð÷òâðÚðð÷ Ùð÷ü çð÷ ±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃðÚðð÷ü/ÑðõÜó ÃðÜè ×ð¾þ¾ð¨öîÃð ÙððÙðâðð÷ü (¦ÐðÑðó¦ / ¦ÒîÀ×âÚðõ¡ð÷) ¨÷î òÐðÑð¾ðÐð¨÷î òâ𦠡Ðð÷¨î ¨îÇÙ𠣿ð¦. ÑßÃÚð÷¨î ÙððÙðâð÷ ¨îó òãðòäðæ¾ ¡ðãðäÚð¨îÃðð¨÷î ¡ÐðôçððÜ £ÑððÚð ¸ðøçð÷ Ç÷ÚðÃðð¡ð÷ü ¨îó ÑðôÐð: çðüÜμðÐðð, ¦¨îÙðôäÃðòÐðÑð¾ðÐð / ãððÃððá-¡ðÏððòÜÃð òÐðÑð¾ðÐð (¡ð÷¾ó¦çð/¦Ðð¦çð), ¨îðÐðõÐðó¨îðÜáãððýá, ¦çð¦¡ðܦÒî¦ýá¦çð¡ðýá ¡òÏðòÐðÚðÙð ¨÷î ÃðèÃð ¨îðÜáãððýá,Ñß×ðüÏðÐð Ùð÷ü ÑðòÜãðÃðáÐð, ¡ðòçÃð ÑðôÐð:çðüÜμðÐðð ¨üîÑðòÐðÚðð÷ü (¦¡ðÜçðó) ¨îð÷¡ðòçÃðÚðð÷ü ¨îó ò×ðªîó, ÜÂðÐðóòÃðÑðܨî òÐðãð÷äð¨îð÷ü ¨îð÷ äððòÙðâð ¨îÜÐðð¡ðòÇ äððòÙðâð Üè÷.16

¸ðð÷ò®ðÙð Ñß×ðüÏð¡ðÑð¨÷î ×ðøȨî Ùð÷ü ¸ðð÷ò®ðÙð Ñß×ðüÏð ¨îó ØðõòÙð¨îð ¸ðð÷ò®ðÙðð÷ü ¨îó ÑðèμððÐð,ÙðõâÚððü¨îÐð, òÐð±ðÜðÐðó, Ñß×ðüÏðÐð ÃðÆðð òÐðÚðüëðÂð ¡ðøÜ ýçð÷ ÐÚðõÐðÃðÙð ¨îÜÐð÷¨îó èø. ¡ðÏðôòÐð¨î ×ðøÈò¨üî±ð Ùð÷ü ¸ðð÷ò®ðÙð Ñß×ðüÏð ×ðèôÃð ÙðèÃãðÑðõÂðá èð÷±ðÚðð èø. ¡ðÑð¨÷î ×ðøÈ¨î ¨îð ¸ðð÷ò®ðÙð ÇäðáÐð Çð÷ £É÷äÚðð÷ü çð÷ òÐðÇ÷áòäðÃðèð÷Ãðð èø - Úð÷ èøÈ äð÷ÚðÜÏððܨîð÷ü ¨÷î ÙðõâÚð Ùð÷ü ãðöòÊ ¡ðøÜ Ñðõü¸ðó ¨îð¡òÏð¨îÃðÙð ¡ð×ðü¾Ðð. ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¸ðð÷ò®ðÙð Ñß×ðüÏð ¨÷î êð÷ëð Ùð÷üçðÙðôòμðÃð Áðüμðð, ÐðóòÃðÚððü ãð çðÙðóêðð ÑßòªîÚðð¦ü âðð±ðõ ¨îó èøÈ. ×ðøȨî Ðð÷¦¨î Üð÷ÀÙðøÑð ÃðøÚððÜ ò¨îÚðð èø ¡ðøÜ ØððÜÃðóÚð òܸðãðá ×ðøȨî ÎðÜðòÐðÏððáòÜÃð Áðüμð÷ ¨÷î ¡üÃð±ðáÃð ×ððçð÷âð-II Ùðð±ðáòÐðÇ÷áäðð÷ü ¨÷î ¨îðÚððáÐãðÚðÐð¨÷î òâ𦠡Ðð÷¨î ¨îÇÙ𠣿ð¦ èøÈ.çðÙð±ß ¸ðð÷ò®ðÙð Ñß×ðüÏð ¨îð ÇðòÚðÃãð ×ðð÷Àá ¨îó ¸ðð÷ò®ðÙð Ñß×ðüÏð çðòÙðòÃð¨îð èø. ¡ðÑð¨÷î ×ðøȨî Ùð÷ü ¦¨î çðÙðòÐãðÃð ¸ðð÷ò®ðÙð Ñß×ðüÏð ¨îðÚðáÑßÂððâðóèø ¸ðð÷ ÑðõÜ÷ £ÌðÙð ¨÷î ¸ðð÷ò®ðÙð Ñß×ðüÏð ¨÷î çðØðó Ñðèâðô¡ð÷ü ÑðÜ ÏÚððÐð Ç÷Ãðóèø. Úðè ÐðóòÃð±ðÃð Çöò澨îð÷Âð å÷æ¿ ¡ÐÃðÜðáæ¾àóÚð ÙððÐð¨îð÷ü ¨÷î ¡ÐðôÞÑðèð÷Ððð èø ÃðÆðð ýçð ÑßòªîÚðð Ùð÷ü Ç÷äð Ùð÷ü òãðÄðóÚð êð÷ëð ¨÷î ÑßòÃðçÑðÏðóáãÚððÑð¨î ®ðüÀð÷ü Ùð÷ü çðÙðÚð, çðüÇØðá ¦ãðü ¨îðÚððáÐãðÚðÐð ¨÷î çÃðÜ ¨îð÷ ÏÚððÐðÙð÷ü Ü®ðÃð÷ èô¦ ªîòÙð¨î ÞÑð çð÷ ¡ÐÃðÜðáæ¾àóÚð çðãðð÷áÄðÙð ¨îðÚðáòãðòÏðÚðð÷ü¨÷î çððÆð ÃððâðÙð÷âð ò¨î¦ ¸ððÐð÷ ÑðÜ ¸ðð÷Ü òÇÚðð ¸ððÃðð èø. ¡ðÑð¨÷î ×ðøȨîÎðÜð òãð¨îòçðÃð ¡ðøÜ ¡ÑðÐððÚðó ±ðÚðó ¸ðð÷ò®ðÙð Ñß×ðüÏð ÑßÂððòâðÚðð÷ü Ùð÷üçðüÚðð÷¸ðÐð ¦ãðü ¦¨îó¨îÜÂð çðòèÃð ¡ðýá¾ó Áðüμð÷ ¨îó £ÑðÚðô©ÃðÃðð, ¦÷çðóÑß×ðüÏð çðõμðÐðð ÑßÂððâðó ÃðøÚððÜ ¨îÜÐðð ¸ðð÷ ¸ðð÷ò®ðÙð ¨÷üîòÍÃð èð÷, ÑðòÜμððâðÐðð÷üçð÷ ¸ðð÷ò®ðÙð ÙðõâÚððü¨îÐð ¨îð÷ ¡âð±ð ¨îÜÐð÷ ¡ðøÜ ¸ðð÷ò®ðÙð Ñß×ðüÏð ÑßÂððòâðÚðð÷ü¨îó ×ððÜÙ×ððÜ çðÙðóêðð çðôòÐðòäμðÃð ¨îÜÐð÷ ÑðÜ òãðäð÷æð ÏÚððÐð òÇÚðð ¸ððÃððèø Ãððò¨î ¨îð÷ýá μðõ¨î Ðð èð÷ ¡ðøÜ ×ðøÈ¨î ¨÷î ØðóÃðÜ çðÙðôòμðÃð ¨îðøäðâðòãð¨îòçðÃð ò¨îÚðð ¸ðð çð¨÷î. ¡ðÑð¨÷î ×ðøȨî Ùð÷ü ¸ðð÷ò®ðÙð Ñß×ðüÏð ÑßÂððòâðÚðð÷ü¨÷î çðüÑðõÜ¨î ¨÷î ÃððøÜ ÑðÜ çðôçÆððòÑðÃð, ÑßØððãðó ãð çãðÃðüëð ¡ðüÃðòܨîòÐðÚðüëðÂð Ãðüëð èø.¥Âð ¸ðð÷ò®ðÙð¡ðÑð¨÷ ×ðøȨî Ðð÷ ¦¨î çðòªîÚð ¥Âð ¸ðð÷ò®ðÙð ÐðóòÃð ¡ÑðÐððýá èø ÃðÆðð£òμðÃð ¥Âð òãðÃðÜÂð ÑßòªîÚðð¡ð÷ü, Ñðð÷¾áÒîð÷òâðÚðð÷ ÃðÆðð ®ððÃðð÷ü ¨îóòÐð±ðÜðÐðó, μð÷ÃððãðÐðó Ç÷Ðð÷ ãððâð÷ ÑßðÜüòØð¨î çðü¨÷îÃðð÷ü ¨îð ÑðÃðð âð±ððÐð÷ÃðÆðð çðôÏððÜðÃÙð¨î Ñß×ðüÏðÐð ÑßòªîÚðð¡ð÷ü ¨÷î ÙððÏÚðÙð çð÷ çðãðð÷áÄðÙð¡üÃðÜðáæ¾àóÚð ÑðÜüÑðÜð¦ü âðð±ðõ ¨îó èøÈ. £Ìðð÷±ð òãðäð÷æð çð÷ çðü×ðüòÏðÃð ¥ÂðÐðóòÃðÚððü âðð±ðõ ¨îÜ êð÷ëð-ãððÜ ¥Âðð÷ü ÃðÆðð âðêÚð ãÚðãðçððÚðð÷ü ÑðÜ òÐðÚðòÙðÃðÞÑð çð÷ òÐð±ðÜðÐðó ¨îó ¸ððÃðó èø. ¡ðÑð¨îð ×ðøÈ¨î ¥Âð ¸ðð÷ò®ðÙð ¨÷î Ñß×ðüÏð¨÷î òâð¦ çðüãÚðãðèðÜ ÃðÆðð Ñðð÷¾áÒîð÷òâðÚðð÷ ¨÷î çÃðÜð÷ü ÑðÜ ª÷îòÀ¾ Ü÷ò¾ü±ð¨îð ÑßÚðð÷±ð ¨îÜÃðð èø. ¡ðÑð¨îð ×ðøÈ¨î ¨îýá ¨îðÜð÷×ððÜó ®ðüÀð÷ü ¦ãðü ¸ðð÷ò®ðÙðÑß×ðüÏð ¨÷î çððÏðÐðð÷ü ¨îð÷ äððòÙðâð ¨îÜ ¦¨î ãÚððÑð¨î ¥Âð ¸ðð÷ò®ðÙð Ñß×ðüÏðÑßÂððâðó ¨îó çÆððÑðÐðð ¨îÜ ¡ÑðÐð÷ ¸ðð÷ò®ðÙð Ñß×ðüÏð Áðüμð÷ ¨îð÷ £ÐÐðÃð¨îÜÐð÷ ¨îó ÑßòªîÚðð Ùð÷ü Øðó èø. ¡ðÑð¨îð ×ðøÈ¨î ¥Âð ¸ðð÷ò®ðÙð ¨÷î òâð¦×ððçð÷âð II ¨÷î òÇäððòÐðÇ÷áäðð÷ü ¨÷î ¨îðÚððáÐãðÚðÐð ¨÷î òâ𦠡ðÜüØð Ùð÷üÙððÐð¨î Çöò澨îð÷Âð ¡ÑðÐðð¦±ðð ¡ðøÜ çððÆð èó ¡ðüÃðòܨî Ü÷ò¾ü±ð ¡ðÏððòÜÃðÇöò澨îð÷Âð ¡ÑðÐððÐð÷ ¨÷î òâð¦ ÚðÆððçðÙðÚð ÑßòªîÚðð¦û ¡ðøÜ Áðüμðð çÆððòÑðÃð¨îÜ÷±ðð.×ðð¸ððÜ ¸ðð÷ò®ðÙð¡ðÑð¨îð ×ðøȨî μðâðòÐðòÏð ¸ðð÷ò®ðÙð, ×Úðð¸ð ÇÜ ¸ðð÷ò®ðÙð ¦ãðü òãðÇ÷äðóÙðôÍð ¸ðøçð÷ çðØðó ÑߨîðÜ ¨÷î ×ðð¸ððÜ ¸ðð÷ò®ðÙðð÷ü ¨îð çðÙððÏððÐð ¨îÜÃðð èø.×ðð¸ððÜ ¸ðð÷ò®ðÙðð÷ü ¨îó ±ðüØðóÜÃðð ãð ÑðòÜÙððÂð ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦¾à÷òÀü±ð ×ðô¨î ãð ×ðøÈò¨üî±ð ×ðô¨î Ùð÷ü ¸ðð÷ò®ðÙðð÷ü ¨îð Ñß×ðüÏð ¡âð±ð-¡âð±ðÃðÜó¨÷î çð÷ ò¨îÚðð ¸ððÃðð èø. ¾à÷òÀü±ð ×ðô¨îî ¨÷î ¸ðð÷ò®ðÙðð÷ü ¨îð Ùððø¸ðõÇð×ðð¸ððÜ ÇÜð÷ü Ùð÷ü ÑðòÜãðÃðáÐðð÷ü ÑðÜ ¡ðÏððòÜÃð òçÆðòÃðÚðð÷ü ¨îð÷ Ç÷®ðÃð÷ èô¦ÃðÆðð òãð±ðÃð ÑßãðöòÄðÚðð÷ü ¨÷î òãðäâð÷æðÂð, ÇÜð÷ü Ùð÷ü ¡ÃÚðòÏð¨î £ÃððÜμðÁÿðãð¨÷î ¸ðòܦ ç¾à÷çð ¾÷ç¾, ÑðòÜÇöäÚð çðü×ðüÏðó òãðäâð÷æðÂð ¡ðòÇ ÎðÜðçðÃðÃð ÞÑð çð÷ ¡ð¨îâðÐð ò¨îÚðð ¸ððÃðð èø ÃðÆðð ýçð¨îð Ñß×ðüÏð ò¨îÚðð¸ððÃðð èø. ×ðøÈò¨üî±ð ×ðô¨î Ùð÷ü ×ðð¸ððÜ ¸ðð÷ò®ðÙðð÷ü ¨îð μðâðòÐðòÏð ãð ×Úðð¸ðÇÜ ¡òçÆðÜÃðð ¡üÃðÜ, ¡ãðòÏð ãð ÑðòÜÇöäÚð òãðäâð÷æðÂðð÷ü ¨÷î ¸ðòܦòãðäâð÷æðÂð ãð Ñß×ðüÏð ò¨îÚðð ¸ððÃðð èø. ×ðð¸ððÜ ¸ðð÷ò®ðÙðð÷ü ¨îó çðÙð±ßòçÆðòÃðÚððü ãð ¨îðÚðá ¡ðòçÃð Ç÷ÚðÃðð Ñß×ðüÏð ÐðóòÃð, ×ðð¸ððÜ ¸ðð÷ò®ðÙð ÐðóòÃð¡ðøÜ òÐðãð÷äð ÐðóòÃð Ùð÷ü ÑðòÜØððòæðÃð ÐðóòÃð±ðÃð Áðüμð÷ ¨÷î ¡ÐðôçððÜ ò¨îÚð÷¸ððÃð÷ èøü.×ðð¸ððÜ ¸ðð÷ò®ðÙð ¨÷î çðü×ðüÏð Ùð÷ü ×ððçð÷âð II ¨÷î ÙððÐðÇüÀð÷ü ¨îð÷ ¨îðÚððáòÐãðÃð¨îÜÐð÷ ¨÷î òâ𦠡ðÑð¨÷î ×ðøȨî Ðð÷ ç¾à÷çð ÑðÜóêðÂð çðòèÃð òãðòØðÐÐðÑðòÜòçÆðòÃðÚðð÷ü Ùð÷ü μðâðòÐðòÏð ãð ×Úðð¸ð ÇÜ ¸ðð÷ò®ðÙðð÷ü ¨îð ¡ð¨îâðÐð¨îÜÐð÷ ¨÷î Áðüμð÷ Ùð÷ü çðôÏððÜ ¨îÜÐð÷ ¨îó ÑßòªîÚðð äðôÞ ¨îó èø. ¡ðÑð¨îð×ðøȨî ×ððçð÷âð II ¨÷î ¡üÃð±ðáÃð £ÐÐðÃð Çöò澨îð÷Âð ¨÷î ¡ðÏððÜ ÑðÜ ×ðð¸ððܸðð÷ò®ðÙðð÷ü ¨÷î òâð¦ Ñðõü¸ðó ¡Ñð÷êðð¡ð÷ü ¨÷î ÙðõâÚððü¨îÐð ¨îó Çöòæ¾ çð÷çðÙðçÃð ¾à÷¸ðÜó ¾à÷òÀü±ð Ñðð÷¾áÒîð÷òâðÚðð÷ ¨÷î òâ𦠸ðð÷ò®ðÙð ÑðÜ ÙðõâÚð(ãðó¦¡ðÜ) ÙððùÀþÚðõâð Øðó âðð±ðõ ¨îÜ Üèð èø. ×ðøÈò¨üî±ð ×ðô¨î ÑðÜ Ñðõü¸ðóÑßØððÜ ¨îð÷ ¡ãðòÏð ¡üÃðÜðâð òãðäâð÷æðÂð ¨÷î ¸ðòܦ çðôãÚðãðòçÆðÃð ÞÑðçð÷ çðÙððÚðð÷ò¸ðÃð ò¨îÚðð ¸ðð¦±ðð.ÑðòÜμððâðÐð çðü×ðüÏðó ¸ðð÷ò®ðÙðÑðòÜμððâðÐð çðü×ðüÏðó ¸ðð÷ò®ðÙð ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¨îðÜð÷×ððÜ ÜÂðÐðóòÃð¨îð ¡òØðÐÐð òèççðð èø. ÑðòÜμððâðÐð çðü×ðüÏðó ¸ðð÷ò®ðÙð ¨îð ÑðÃðð âð±ððÐð÷,¡ðû¨îÐð÷ ãð £çð ÑðÜ òÐð±ðÜðÐðó Ü®ðÐð÷ ¨÷î òâð¦ ×ððçð÷âð II ¡ÐðôÑððâð¨îçððùÓ¾ãð÷ÚðÜ ¨îð ýçÃð÷Ùððâð ò¨îÚðð ¸ðð Üèð èø. ×ðøÈ¨î ¨îó äðð®ðð¡ð÷ü¨îð÷ çðòÐÐðòèÃð äðð®ðð Ü÷ò¾ü±ð ÙððùÀâð ¨÷î ¸ðòܦ £Ðð¨îó ÑðòÜμððâðÐðçðü×ðüÏðó ±ðôÂðãðÄðð ¨÷î òâð¦ Ü÷ò¾ü±ð Çó ¸ððÃðó èø. ¡ðÑð¨÷î ×ðøȨî Ðð÷¡ÑðÐð÷ ±ßðè¨î ¨îð÷ ¸ððòÐð¦ (¨÷îãððýáçðó) ãð ¦ü¾ó ÙðÐðó âððüÀòÜü±ð(¦¦Ùð¦âð) çðü×ðüÏðó ¡Ñð÷êðð¡ð÷ü ¨îð÷ âðð±ðõ ò¨îÚðð èø. èðâððüò¨î¡ðÑð¨îð ×ðøȨî ÑðòÜμððâðÐð çðü×ðüÏðó ¸ðð÷ò®ðÙð ¨÷î òâð¦ ÑßðÜüØð Ùð÷ü Ùðõâðçðü¨÷îÃð¨î Çöò澨îð÷Âð ¡ÑðÐðð¦±ðð, òÒîÜ Øðó ¡ðÐð÷ ãððâð÷ çðÙðÚð Ùð÷ü17

ýçð¨÷î ×ðÇâð÷ £ÐÐðÃð ¡ð¨îâðÐð Çöò澨îð÷Âð ¨îð÷ ¡ÑðÐððÐð÷ ¨÷î òâð¦¨îÇÙ𠣿𦠸ðð Üè÷ èøÈ. ÑðòÜμððâðÐð çðü×ðüÏðó ¸ðð÷ò®ðÙð Ñß×ðüÏð ¨÷î£ÑððÚð ¨÷î ÃððøÜ ÑðÜ, Ððýá çðôòãðÏðð¡ð÷ü ãð ÑßòªîÚðð¡ð÷ü ¨îó çðÙðóêðð¨îó ¸ððÃðó èø. ¡ÑðÐð÷ çðÙÙððòÐðÃð ±ßðè¨îð÷ü ¨îð÷ òÐðÜüÃðÜ ×ðøÈò¨üî±ð çð÷ãðð¦üÇ÷Ðð÷, Ñßð¨öîòÃð¨î ¡ðÑðÇð çð÷ ¨îð÷Ü ×ðøÈò¨üî±ð ÑðòÜμððâðÐðð÷ü ¨îð÷ ×ðμððÐð÷¡ðøÜ ¨îðÜð÷×ððÜ Ùð÷ü ãÚðãðÏððÐð çðÙðÚð ¨îð÷ ÐÚðõÐðÃðÙð ¨îÜÐð÷ ¨÷î òâð¦¡ðÑð¨÷î ×ðøȨî Ðð÷ ¦¨î òÀ¸ð«ðç¾Ü òܨîãðÜó (Àó¡ðÜ) çððý¾ ×ðÐððýáèø ò¸ðçð¨îð Àó¡ðÜ òÀàâð Ùð÷ü çðÒîâðÃððÑðõãðá¨î ÑðÜóêðÂð ò¨îÚðð ±ðÚððèø. Àó¡ðÜ çððý¾ ¨÷î ¡âððãðð ¡ðÑð¨îð ×ðøÈ¨î ¦¨î çðÃðÃð ¨îðÜð÷×ððÜÚðð÷¸ðÐðð Øðó ÃðøÚððÜ ¨îÜÐð÷ ¨îó ÑßòªîÚðð Ùð÷ü èø.18

Ñß×ðüÏð, òÐðÚðüëðÂð ¦ãðü ÑßÂððòâðÚððüÙððÐðãð çðüçððÏðÐð Ñðèâð ¨îðÚðáãðæðá 2006-07 ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî Ðð÷ 905 ¨îÙðáμððòÜÚðð÷ü (887¡òÏð¨îðÜó, 2 å÷Âðó IIIî ãð 16 å÷Âðó IV) ¨îó ØðÃðóá ¨îó, ò¸ðÐðÙð÷ü çð÷¡ÐðôçðõòμðÃð ¸ððòÃð (¡¸ðð) ¡ÐðôçðõòμðÃð ¸ðÐð¸ððòÃð (¡¸ð¸ðð), ÃðÆðð ¡ÐÚðòÑðÀÿ÷ ãð±ðá (¡òÑðãð) ¨÷î ªîÙðäð: 133, 42 ¦ãðü 178 ¨îÙðáμððÜó èøÈ. £©ÃðØðÃðóá Ùð÷ü 4 ãÚðò©Ãð ¡Ñðü±ð (ÑðóÀ×âÚðõÀó) ãð 5 Ñðõãðá-çðøòÐð¨î Æð÷. 31 Ùððμðá2007 ¨îð÷ ¡ðÑð¨÷î ×ðøȨî Ùð÷ü ¨ôîâð 7482 ¨îÙðáμððÜó ¨îðÚðáÜÃð Æð÷ ò¸ðÐðÙð÷ü4277 ¡òÏð¨îðÜó, 1936 òâðòÑð¨îóÚð ç¾ðÒî (å÷Âðó III) ¡ðøÜ 1269¡ÏðóÐðçÆð ç¾ðÒî (å÷Âðó IV) Æð÷.¸ðøçðð ò¨î Ñðèâð÷ £ââð÷®ð ò¨îÚðð ±ðÚðð èø, ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ãððòÂðò¸Úð¨î×ðøÈ¨î ¨÷î ÞÑð Ùð÷ü ÞÑððüÃðÜÂð ÃðÆðð ÃðÃÑðäμððÃðþ ¡ðýáÀó×ðó¡ðýá ×ðøȨî òâð.¡ðøÜ òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð. ¨÷î çðÙððÙð÷âðÐð ¨÷î ×ððÇ ýçðÐð÷ ÃðóÐðð÷üÜÂðÐðóòÃð¨î ¨îðÜð÷×ððÜó ý¨îðýÚðð÷ü (¦çð×ðóÚðõ) ¨÷î òâ𦠦¨î çðð»ðð ãÚððÑð¨îÙððÐðãð çðüçððÏðÐð Áðüμðð ÃðøÚððÜ ¨îÜÐð÷ è÷Ãðô ¨îÇÙ𠣿ðÚð÷ èøÈ ò¸ðçð¨îð £É÷äÚðÙððÐðãð çðüçððÏðÐð ¡òØðòªîÚðð¡ð÷ü ¨÷î ¸ðòܦ ç¾ðÒî ¨î𠦨îó¨îÜÂð èø. ¦¨îçðäð©Ãð ¡ð÷Ü÷¨îâð ¡ðÏððòÜÃð ÙððÐðãð çðüçððÏðÐð Ñß×ðüÏð ÑßÂððâðó(¦μð¡ðܦÙð¦çð) ÑßðÜüØð èð÷ μðô¨îó èø. ×ððÇ ¨÷î μðÜÂðð÷ü Ùð÷ü ¨ôî ¡ðøÜÙððùÀþÚðõâð ÃðøÚððÜ ò¨îÚð÷ ¸ðð¦ü±ð÷ ¡ðøÜ £Ðè÷ü òªîÚððòÐãðÃð ò¨îÚðð ¸ðð¦±ððÃððò¨î ×ðÇâðÃðó ÙððÐðãð çðüçððÏðÐð ¡ðãðäÚð¨îÃðð¡ð÷ü ¨÷î ¡ÐðôÞÑð ØðõòÙð¨îðÑßð÷Òîðýâð ÃðøÚððÜ ¨îÜÐð÷ ÃðÆðð çðêðÙðÃðð ÙððÑðÐð ãð ÙððùÀþÚðõâð ¨÷î ÞÑð Ùð÷ü¡ðùÐðâððýÐð Àð¾ð×ð÷çð çð÷ ¡òÏð¨îÃðÙð âððØð ÑßðÑÃð ò¨îÚðð ¸ðð çð¨÷î.¡ÐðôçðõòμðÃð ¸ððòÃðÚðð÷ü (¡¸ðð), ¡ÐðôçðõòμðÃð ¸ðÐð¸ððòÃðÚðð÷ü (¡¸ð¸ðð),¡ÐÚð òÑðÀÿ÷ ãð±ðð÷áÈ (¡òÑðãð) ¨îð ÑßòÃðòÐðòÏðÃãð¡ðÑð¨îð ×ðøÈ¨î ¡Ñßøâð 1977 çð÷ çðóÏðó ØðÃðóá Ùð÷ü ¡ðøÜ ÒîÜãðÜó 1980 çð÷ÑðÇð÷ÐÐðòÃð Ùð÷ü ¡¸ðð/¡¸ð¸ðð ¨÷î òâ𦠡ðÜêðÂð ¨÷î òÐðÚðÙðð÷ü ¨îð÷ âðð±ðõ¨îÜ Üèð èø. ¡ðÑð¨÷î ×ðøȨî Ðð÷ çðóÏðó ØðÃðóá Ùð÷ü òçðÃðü×ðÜ 1993 çð÷ ¡òÑðãð¨÷î òâ𦠡ðÜêðÂð âðð±ðõ ò¨îÚðð èø. ØððÜÃð çðܨîðÜ ¨÷î çðüäðð÷òÏðÃð¡ÐðôÇ÷äðð÷ü ¨÷î ¡ÐðôçððÜ, ÑðÇ ¡ðÏððòÜÃð Üð÷ç¾Ü ÑßÂððâðó ¨îð÷ òãðòÏðãðÃðþ¡ÑðÐððÚðð ±ðÚðð èø. ¡ðÑð¨÷î ×ðøȨî Ùð÷ü 31 Ùððμðá 2007 ¨îð÷ òãðòØðÐÐð çðüãð±ðð÷áÈÙð÷ü ¡¸ðð, ¡¸ð¸ðð ¡ðøÜ ¡òÑðãð ¨îð ÑßòÃðòÐðòÏðÃãð Ãððòâð¨îð 5 Ùð÷ü ÇäððáÚðð±ðÚðð èø.Ãððòâð¨îð 5 : ¡¸ðð/¡¸ð¸ðð/¡òÑðãð ¨îð ÑßòÃðòÐðòÏðÃãð¨ôîâð ò¸ðçðÙð÷ü çð÷çðü®Úð𠡸ð𠡸ð¸ðð ¡òÑðãð¡òÏð¨îðÜó 4277 397 119 302å÷Âðó - III 1936 208 74 184å÷Âðó - IV 1269 291 92 219¨ôîâð 7482 896 285 705¨ôîâð çðü®Úðð ¨îð % 11.98 3.81 9.42ýçð çðüÇØðá Ùð÷ü Úðè £ââð÷®ðÐðóÚð èø ò¨î Çð÷ ¦çð×ðóÚðõ Ñðõãðá Ùð÷ü òÐð¸ðó êð÷ëð¨÷î ×ðøȨî Æð÷, ¡Ãð: £Ðð¨÷î ¡ðÑð¨÷î ×ðøȨî Ùð÷ü çðÙððÙð÷âðÐð ¨îó çðü×ðüòÏðÃðÑßØððãðó ÃððÜó®ðð÷ü çð÷ Ñðèâð÷ ¡ðÜêðÂð çðü×ðüÏðó çðܨîðÜó òÐðÇ÷áäðð÷ü ¨îðÑððâðÐð ¨îÜÐðð £Ðð¨÷î òâ𦠡ðãðäÚð¨î ÐðèóÈ Æðð. ãðÃðáÙððÐð Ùð÷ü,Àó×ðó¦çð×ðóÚðõ, çðó×ðó¦çð×ðóÚðõ ¡ðøÜ Úðõ×ðó¦çð×ðóÚðõ ¨÷î òâð¦ ÃðóÐðð÷ü ¦çð×ðóÚðõÙð÷ü òãðòØðÐÐð ±ß÷Àð÷ü ¡ðøÜ ãð÷ÃðÐðÙððÐðð÷ü ¨îð÷ Ç÷®ðÃð÷ èô¦ ¡âð±ð-¡âð±ðÜð÷ç¾Ü ãð Üò¸ðç¾Ü Ü®ð÷ ¸ðð Üè÷ èøÈ. ¦¨îó¨îÜÂð ãð ¨îÙðáμððòÜÚðð÷ü ¨îóÙðøòÑðü±ð ¨÷î ÑðäμððÃðþ ýÐð ¦çð×ðóÚðõ ¨îð÷ ¦¨îó¨öîÃð ¨îÜ òÇÚðð ¸ðð¦±ðð.ýçð¨î÷ ¡âððãðð 31 Ùððμðá 2007 ¨îð÷ ×ðøȨî Ùð÷ü 60 ØðõÃðÑðõãðá çðøòÐð¨î ¡ðøÜ64 äððÜóòܨî ÞÑð çð÷ òãð¨îâððü±ð ãÚðò©Ãð Æð÷. ¡ðÑð¨îð ×ðøȨî ØððÜÃðçðܨîðÜ ¨÷î Ùðð±ðáòÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôçððÜ òãð¨îâððü±ðð÷ü ¨÷î òâ𦠡âð±ð çð÷Üð÷ç¾Ü Ü®ðÃðð èø.¡ðÑð¨÷î ×ðøȨî Ðð÷ ¡¸ðð/¡¸ð¸ðð/¡òÑðãð ¨÷î ¨îÙðáμððòÜÚðð÷ü ¨îó òäð¨îðÚðÃðð÷ü¨îð ÑßØððãðó ÞÑð çð÷ òÐðÜð¨îÜÂð ¨îÜÐð÷ ¨÷î òâð¦ ÑßÏððÐð ¨îðÚððáâðÚð Ùð÷ü¡¸ðð/¡¸ð¸ðð ¦ãðü ¡òÑðãð ¨÷î òâð¦ Ùðô®Úð çðüÑð¨áî ¡òÏð¨îðòÜÚðð÷ü ¨îó¡ðøÜ çððÆð èó ÑßÃÚð÷¨î ¡üμðâð ¨îðÚððáâðÚð Ùð÷ü ¡ðüμðòâð¨î çðüÑð¨áî¡òÏð¨îðòÜÚðð÷ü (ò¸ðÐð¨îð ¡òÏð¨îðÜ êð÷ëð çðü×ðüòÏðÃð ¡üμðâð èø) ¨îó òÐðÚðôò©Ãð¨îó èø. ¡ðÑð¨÷î ×ðøȨî Ðð÷ ãðæðá ¨÷î ÇðøÜðÐ𠡸ðð/¡¸ð¸ðð/¡òÑðãð ¨îâÚððÂðçðü³ð ¨÷î ÑßòÃðòÐðòÏðÚðð÷ü ¨÷î çððÆð μððÜ òÃðÙððèó ×ðø¿¨÷üî ¡ðÚðð÷ò¸ðÃð ¨îóÈ.¡¸ðð/¡¸ð¸ðð ¨îêð, çðüÑð¨áî ¡òÏð¨îðòÜÚðð÷ü ¦ãðü ¡¸ðð/¡¸ð¸ðð çðü³ð ¨÷îÑßòÃðòÐðòÏðÚðð÷ü ¨÷î âððØð ¨÷î òâ𦠡ðÜêðÂð ÐðóòÃð ÑðÜ ¨îðÚðáäððâðð¦ü¡ðÚðð÷ò¸ðÃð ¨îó ±ðýáÈ. ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¡òÏð¨îðÜó ¦ãðü å÷Âðó III ¨÷îÑðÇð÷ü ¨÷î òâð¦ òâðò®ðÃð ÑðÜóêðð/çððêððèîðÜ Ùð÷ü äððòÙðâð èð÷Ðð÷ãððâð÷¡¸ðð/¡¸ð¸ðð £ÙÙðóÇãððÜð÷ü è÷Ãðô ØðÃðóá Ñðõãðá ¨îðÚðáªîÙð Øðó ¡ðÚðð÷ò¸ðÃðò¨îÚð÷. ýçð¨÷î ¡âððãðð, å÷Âðó III ¨÷î ¡¸ðð, ¡¸ð¸ðð ÃðÆðð ¡òÑðãð¨÷î ç¾ðÒî çðÇçÚðð÷ü ¨îð÷ ÑðÇð÷ÐÐðòÃð ¨÷î òâð¦ ÃðøÚððÜ ¨îÜÐð÷ ¨÷î £É÷äÚð çð÷ÑðÇð÷ÐÐðòÃð Ñðõãðá ¨îðÚðáªîÙð ¡ðÚðð÷ò¸ðÃð ò¨î¦ ±ð¦.ÙððÐðãð çðüçððÏðÐð òãð¨îðçðãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî Ðð÷ 280 ÑßòäðêðÂð ¨îðÚðáªîÙðð÷ü ¨÷î ¸ðòÜÚð÷3359 ¨îÙðáμððòÜÚðð÷ü ¨îð÷ ÑßòäðòêðÃð ò¨îÚðð. ýÐðÙð÷ü çð÷ 126 ¡ðüÃðòܨîÑßòäðêðÂð ¨îðÚðáªîÙð Æð÷ ò¸ðÐðÙð÷ü 3101 ÑßòÃðØððò±ðÚðð÷ü ¨îð÷ ¸ðãððèÜâððâðÐð÷èÞ òãð¨îðçð ×ðøÈò¨üî±ð çðüçÆððÐð (¸ð÷¦Ðð¡ðýáÀó×ðó), èøÇÜð×ððÇ ¦ãðü×ðøÈ¨î ¨÷î ÑßòäðêðÂð çðüçÆððÐð ×ð÷âððÑðôÜ, Ððãðó Ùðôü×ðýá ÃðÆðð òãðòØðÐÐð äðð®ðð¡ð÷üÙð÷ü ¨îðÚðáçÆðâð ÑðÜ ÑßòäðêðÂð òÇÚðð ±ðÚðð.ãðæðá ¨÷î ÇðøÜðÐð 243 ¡òÏð¨îðòÜÚðð÷ü ¨îð÷ ØððÜÃð òçÆðÃð ¡ÐÚð çðüçÆðð¡ð÷ü/ÑßòäðêðÂð çðü±ð¿Ððð÷ü ÎðÜð ¡ðÚðð÷ò¸ðÃð 146 ×ððéÚð ÑßòäðêðÂð ¨îðÚðáªîÙðð÷ü Ùð÷üÃðÆðð 15 ¡òÏð¨îðòÜÚðð÷ü ¨îð÷ òãðÇ÷äð Ùð÷ü ¡ðÚðð÷ò¸ðÃð 8 ÑßòäðêðÂð ¨îðÚðáªîÙðð÷üÙð÷ü Øðð±ð âð÷Ðð÷ ¨÷î òâð¦ ÐððòÙðÃð ò¨îÚðð ±ðÚðð. ýçð¨÷î ¡âððãðð, ¡©Ãðõ×ðÜ2006 Ùð÷ü ¡ðÑð¨÷î ×ðøȨî Ùð÷ü òãðâðòÚðÃð ÑðõãðáãðÃðóá òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî(ÚðõÀ×âÚðõ×ðó), çððÃððÜð ¨÷î ÑßòäðêðÂð ¨÷üîÍ Ùð÷ü 9 ÑßòäðêðÂð ¨îðÚðáªîÙð¡ðÚðð÷ò¸ðÃð ò¨î¦ ±ð¦ ò¸ðÐðÙð÷ü 219 ÑßòÃðØððò±ðÚðð÷ü Ðð÷ Øðð±ð òâðÚðð.19

ÑßòäðêðÂð ¨îðÚðáªîÙð Ùðô®Úð ÞÑð çð÷ òܾ÷âð ×ðøÈò¨üî±ð êð÷ëð ¨÷î òãðæðÚðð÷üòãðäð÷æð¨îÜ ×ðøÈò¨üî±ð ¨îó ÙðõâðØðõÃð ×ððÃð÷ü, äðð®ðð ÑðòÜμððâðÐð, òÒîÐðø¨îâð,òܾ÷âð Úðð÷¸ðÐðð¦ü, ÃðóçðÜ÷ Ñðêð ¨îó Úðð÷¸ðÐðð¦ü (×ðóÙðð, ÙÚðõμðô¡âð ÒüîÀÃðÆðð çðܨîðÜó ãÚðãðçððÚð ¡ðòÇ) ÃðÆðð çðü×ðÊ êð÷ëðð÷ü ÑðÜ ¨÷üîòÍÃð Üè÷.¡ÐÚð ¨îðÚðáÑðÜ¨î ¨îðÚðáªîÙð ÑßðÆðòÙð¨îÃðð ÑßðÑÃð êð÷ëð ¨îð÷ ¥Âð, ª÷îòÀ¾Ü÷ò¾ü±ð, ¨îðÚðáäðóâð Ñðõü¸ðó, ãÚððÑððÜ òãðÄð ¦ãðü À÷òÜãð÷ò¾ãð çð÷ çðü×ðüòÏðÃðÆð÷. Ðð¦ ØðÃðóá èô¦ ç¾ðÒî çðÇçÚðð÷ü ¨÷î òâð¦ ×ðøÈ¨î ¨îó ¨îðÚðáÑßÂððâðó ÃðÆðð£çð¨÷î ÑßØððãðó òÐðæÑððÇÐð ¨÷î òâ𦠡Ñð÷òêðÃð òãðòØðÐÐð ¨îðøäðâð çð÷çðü×ðüòÏðÃð òãðæðÚðð÷ü ÑðÜ ¡ðÏððòÜÃð ÑðòÜμðÚð ¨îðÚðáªîÙð Øðó ¡ðÚðð÷ò¸ðÃðò¨î¦ ±ð¦. ýçð¨÷î ¡âððãðð, ¨îðÜð÷×ððÜó òäðæ¾ðμððÜ, ¨îðÜð÷×ððÜ Ùð÷üÐðãðó¨îÜÂð ¦ãðü ÜμðÐððÃÙð¨îÃðð, çðÙðçÚðð çðÙððÏððÐð, ÑßçÃðôÃðó¨îÜÂð ¨îðøäðâð,ÑßØððãðó çðüÑß÷æðÂð ãð ±ßðè¨î çð÷ãðð, ãððÃððá ¨îðøäðâð ¦ãðü ãÚðò©Ãð±ðÃðÑßØððãðäðóâðÃðð ¡ðòÇ òãðæðÚðð÷ü ÑðÜ ¨îýá çððùÓ¾ òç¨îâð ¨îðÚðáªîÙð Øðó¡ðÚðð÷ò¸ðÃð ò¨î¦ ±ð¦. òãðòØðÐÐð ¨îðÜð÷×ððÜó ý¨îðýÚðð÷ü ¨÷î ÑßÙðô®ðð÷ü, ¡üμðâð/ äðð®ðð ÑßØððòÜÚðð÷ü ¡ðøÜ òܾ÷âð ãð ò×ðªîó ÑßÙðô®ðð÷ü ¨îó ¡ðãðòÏð¨î×ðø¿¨÷üî Øðó ¡ðÚðð÷ò¸ðÃð ¨îó ±ðýáÈ ò¸ðÐðÙð÷ü ¨îðÜð÷×ððÜ ×ðÁÿðÐð÷ ¨÷î òâð¦òãðμððÜð÷ü ¨îð ¡ðÇðÐð-ÑßÇðÐð ò¨îÚðð ±ðÚðð.¸ðãððèÜâððâð Ðð÷èÞ òãð¨îðçð ×ðøÈò¨üî±ð çðüçÆððÐð Ùð÷ü ÑßòäðêðÂð¡ðÑð¨÷î ×ðøȨî ÎðÜð ÑßòäðêðÂð, ¡ÐðôçðüÏððÐð ãð ÑðÜðÙðäðóá çð÷ãðð ¨÷î ¸ðòܦØððÜÃð Ùð÷ü ãð ¡ÐÚð òãð¨îðçðäðóâð Ç÷äðð÷ü Ùð÷ü òãðÄðóÚð ¦ãðü ×ðøÈò¨üî±ð êð÷ëðÙð÷ü ÙððÐðãð çðüçððÏðÐðð÷ü ¨îð÷ òãð¨îòçðÃð ¨îÜÐð÷ ¨÷î £É÷äÚð çð÷ ¦¨î ¡±ßÂðóÑßòäðêðÂð çðüçÆððÐð ¨÷î ÞÑð Ùð÷ü 1991 Ùð÷ü ¸ðãððèÜ âððâð Ðð÷èÞ òãð¨îðçð×ðøÈò¨üî±ð çðüçÆððÐð (¸ð÷¦Ðð¡ðýáÀó×ðó) ¨îó çÆððÑðÐðð ¨îó ±ðÚðó Æðó. ýÐðÃðÙððÙð ãðæðð÷áÈ ¨÷î ÇðøÜðÐð ¸ð÷¦Ðð¡ðýáÀó×ðó ÑßòäðêðÂð ¦ãðü òãð¨îðçð ¨÷î¦¨î £Ã¨öîæ¾ ¨÷îÐÍ ¨÷î ÞÑð Ùð÷ü £ØðܨîÜ ¡ðÚðð èø. ãðæðá ¨÷î ÇðøÜðÐð2318 ÑßòÃðØððò±ðÚðð÷ü (¡ðÑð¨÷î ×ðøȨî çð÷- 1470 ¡ðøÜ ¡ÐÚð- 848) Ðð÷¸ð÷¦Ðð¡ðýáÀó×ðó Ùð÷ü ¡ðÚðð÷ò¸ðÃð òãðòØðÐÐð ÑßòäðêðÂð ¨îðÚðáªîÙðð÷ü Ùð÷ü Øðð±ðòâðÚðð ¸ð×ðò¨î ±ðÃð ãðæðá Úðè çðü®Úðð 1821 Æðó. ýçð ãðæðá ÑðòÜÚðð÷¸ðÐððÙðõâÚððü¨îÐð ¡ðøÜ ¡ÐðôãðÃðáÐð, ×ðôòÐðÚððÇó çðôòãðÏðð òãðÄð, ¨îðÚðáäðóâð Ñðõü¸ðóÑß×ðüÏðÐð, ¨îðÚðáÑððâð¨î òãð¨îðçð ¨îðÚðáªîÙð ¡ðòÇ ¨÷î êð÷ëðð÷ü ¨îó ¡ÐÚð×ðøȨîð÷ü/çðüçÆðð¡ð÷ü çð÷ Ùððü±ð ×ðÐðó Üèó. ±ðÃð ãðæðá ¨÷î 25 ¨îðÚðáªîÙðð÷ü ¨îóÃðôâðÐðð Ùð÷ü ýçð ãðæðá ¦÷çð÷ ¨ôîâð 27 ¨îðÚðáªîÙð ¡ðÚðð÷ò¸ðÃð ò¨î¦ ±ð¦.¸ð÷¦Ðð¡ðýáÀó×ðó Ðð÷ Ñðèâðó ×ððÜ çððãðá¸ðòÐð¨î £ÌðÙð òãðØðð±ð (ÀóÑðóýá)¨÷î çðèÚðð÷±ð çð÷ ãðæðá ¨÷î ÇðøÜðÐð Çð÷ ¨îðÚðáªîÙð ¡ðÚðð÷ò¸ðÃð ò¨î¦. çððãðá¸ðòÐð¨îêð÷ëð ¨÷î £ÑðªîÙðð÷ü ¨÷î ¨îðÚðáÑððâð¨îð÷ü ¨÷î òâð¦ ×ðôòÐðÚððÇó çðôòãðÏðð òãðÄðÑðð÷æðÂð¡ðøÜ ÜÂðÐðóòÃð¨î òãðÄðóÚð Ñß×ðüÏðÐð Çð÷Ððð÷ü ÑðÜ ¦¨î-¦¨î ¨îðÚðáªîÙð¡ðÚðð÷ò¸ðÃð ò¨îÚðð ±ðÚðð. ¦çðð÷òçð¦äðÐð ¡ðùÒî À÷ãðâðÑðÙð÷ü¾ ÒîðýÐðøÈòçðü±ðýüòç¾¾þÚðõäðüçð ýÐð ¦òäðÚðð ¦ÈÀ ÑðøòçðòÒî¨î (¦ÀòÒî¦Ñð) ¨÷î çðèÚðð÷±ð çð÷ÑðòÜÚðð÷¸ðÐðð ÙðõâÚððü¨îÐð ãð ×ðôòÐðÚððÇó çðôòãðÏðð òãðÄðÑðð÷æðÂð ÑðÜ ¦¨î¡üÃðÜðáæ¾àóÚð ¨îðÚðáªîÙð ¡ðÚðð÷ò¸ðÃð ò¨îÚðð ±ðÚðð. ýçð ¨îðÚðáªîÙð Ùð÷ü ¡ÐÚðÇ÷äðð÷ü ¸ðøçð÷ åóâðü¨îð, ¨îºðð®ðçÃððÐð, Ùðâð÷òäðÚðð ¡ðøÜ òÒî¸ðó ¨÷îçðèØððò±ðÚðð÷ü ¨÷î ¡âððãðð ØððÜÃð ¨÷î ¨îýá ×ðøȨîð÷ü ¨÷î ¨îðÚðáÑððâð¨îð÷ü Ðð÷ ØðóØðð±ð òâðÚðð. çðüçÆððÐð Ðð÷ ×ðøȨîð÷ü ¡ðøÜ ¨îðùÜÑðð÷Ü÷¾ ±ßðè¨îð÷ü ¨÷î òâð¦¡ðùÒî çððý¾ ¨îðÚðáªîÙð çðüμððòâðÃð ¨îÜÐð÷ ¨÷î ¡ÑðÐð÷ Ñðèâð ¨îðÚðá ¸ððÜóÜ®ð÷ ÃðÆðð ¨îð÷âð¨îðÃðð, Ùðôü×ðýá, μð÷ÐÐðø ¡ðøÜ èøÇÜð×ððÇ Ùð÷ü çððÃð ¨îðÚðáªîÙð¡ðÚðð÷ò¸ðÃð ò¨î¦. çðüçÆððÐð Ðð÷ Ñðèâðó ×ððÜ ×ðøȨîð÷ü/ òãðÄðóÚð çðüçÆðð¡ð÷ü¨÷î òèÐÇó ¡òÏð¨îðòÜÚðð÷ü ¨÷î òâð¦ Üð¸ðØððæðð ¨îðÚððáÐãðÚðÐð ÑðÜ ¦¨î¨îðÚðáªîÙð ¡ðÚðð÷ò¸ðÃð ò¨îÚðð.Àó¦Òîçðóçðó ×ðøȨî, åóâðü¨îð ¨÷î òâð¦ ÑðÜðÙðäðóá òÐðÚðÃð ¨îðÚðá ¨÷î ÑßÆðÙðμðÜÂð ¨÷î ÑðõÜð èð÷÷Ðð÷ ÑðÜ çðüçÆððÐð ÎðÜð ÑßÇðÐð ¨îó ±ðÚðó çð÷ãðð¡ð÷ü ¨îóçðÜðèÐðð ¨÷î ÞÑð Ùð÷ü çðüçÆððÐð ¨îð÷ ãðæðá ¨÷î ÇðøÜðÐð Àó¦Òîçðóçðó ×ðøȨî¨÷î ¨îðÚðáÑððâð¨îð÷ü ¨÷î òâ𦠦¨î `ÙðõâÚððü¨îÐð òãð¨îðçð ¨÷îÐÍ' ¨îðÚðáªîÙðμðâððÚð÷ ¸ððÐð÷ ¨îð ¨îðÚðá çððøÈÑðð ±ðÚðð.12,000 çðèØðð±ðó ÑßòäðêðÂð òÇÐðð÷ü ¨îó òÐðÏððáòÜÃð êðÙðÃðð ¨îó ÃðôâðÐððÙð÷ü çðüçÆððÐð Ðð÷ âð±ðØð±ð 15,000 çðèØðð±ðó ÑßòäðêðÂð òÇÐðð÷ü ¨îð ÑßòäðêðÂðÑßÇðÐð ò¨îÚðð, ¸ðð÷ 125% êðÙðÃðð £ÑðÚðð÷±ð ¨îð÷ ÇäððáÃðð èø. ¡ðÑð¨÷î×ðøÈ¨î ¨÷î ãððòÂðò¸Úð¨î ×ðøÈò¨üî±ð ¨îðÚðá¨îâððÑðð÷ü ¨÷î Úðð÷¸ðÐðð×ðÊ òãðçÃððÜ ¨÷îçððÆð çðüçÆððÐð Ùð÷ü òãðäð÷æðó¨öîÃð ÑßòäðêðÂð ¨îó ¡ðãðäÚð¨îÃðð ¡ðøÜ Ùððü±ð¨÷î ÑðÚððáÑÃð ÞÑð çð÷ ×ðÁÿÐð÷ ¨îó çðüØððãðÐðð èø. ýÐð ¡ðãðäÚð¨îÃðð¡ð÷ü ¨îð÷ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ çðüçÆððÐð Ðð÷ äðøòêð¨î ¡ðøÜ èðùç¾âð çðôòãðÏðð¡ð÷üÙð÷ü òãðçÃððÜ ¨îÜ ãðÃðáÙððÐð êðÙðÃðð ¨îð÷ Çð÷ ±ðôÐðð ×ðÁÿðÐð÷ ¨îó Úðð÷¸ðÐðð×ðÐððÚðó èø ¡ðøÜ ýçð òãðçÃððÜ ÑðòÜÚðð÷¸ðÐðð ¨îð÷ ¨îðÚððáòÐãðÃð ¨îÜÐð÷ ¨÷îòâð¦ ÑßðÜüòØð¨î ¨îðÚðá äðôÞ ¨îÜ òÇÚð÷ ±ðÚð÷ èøÈ.¡ðüÃðòܨî âð÷®ðð ÑðÜóêðð¡ðÑð¨÷î ×ðøȨî Ùð÷ü çðôçðÐÐðÊ ¡ðüÃðòܨî âð÷®ðð ÑðÜóêðð ¡ðøÜ òãðòÐðÚððÙð¨î¡ÐðôÑððâðÐð òãðØðð±ð èø ¸ðð÷ òãðòØðÐÐð ¨îðÜð÷×ððÜó çðèðÚðÃðð ý¨îðýÚðð÷üÃðÆðð ýÐð¨îó äðð®ðð¡ð÷ü ÎðÜð ò¨îÚð÷ ¸ðð Üè÷ çðØðó ¨îðÚðá¨îâððÑðð÷ü ¨îðçãðÃðüëð ÞÑð çð÷ ÙðõâÚððü¨îÐð ¨îÜÃðð èø. ýçð ¨îðÚðá ¨÷î ÑßÙðô®ð ãðòÜæ¿Ñß×ðüÏðÐð çÃðÜ ¨÷î ¡òÏð¨îðÜó èøÈ ¸ðð÷ ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ¡ðøÜ×ðð÷Àá ¨îó âð÷®ðð ÑðÜóêðð çðòÙðòÃð ¨îð÷ òÜÑðð÷¾á ¨îÜÃð÷ èøÈ. âð÷®ðð ÑðÜóêðð¨îðÚðá Ùð÷ü òÐðÚðÃð ¨îðÚðð÷áÈ ¨îð÷ ¨îÜÃð÷ çðÙðÚð ¡ÑðÐðó çãðÃðüëðÃðð ÃðÆððãðçÃðôòÐðæ¿Ãðð ¨îð÷ ×ðÐðð¦ Ü®ðð ¸ððÃðð èø. Úðè çðÃðÃð ¡ðÏððÜ ÑðÜ¡ðüÃðòܨî òÐðÚðüëðÂð ÑßÂððòâðÚðð÷ü ¨îó ÑðÚððáÑÃðÃðð ¦ãðü ÑßØððãðäðóâðÃðð,ÐðóòÃðÚðð÷ü ¦ãðü ÑßòªîÚðð¡ð÷ü ¨÷î ¡ÐðôÑððâðÐð ¨îð ÙðõâÚððü¨îÐð ¨îÜÃðð èø ¡ðøÜòãðòØðÐÐð ¸ðð÷ò®ðÙðð÷ü ¨îð÷ çðÙðÚð ÑðÜ ÇõÜ ¨îÜÐð÷ ¨÷î òâð¦ òÐðÚðüëðÂðð÷ü ¨îð÷çðôÇöÁÿ ¡ðøÜ ãÚðãðòçÆðÃð ×ðÐððÐð÷ è÷Ãðô £ÑððÚð çðô»ððÃðð èø. ¡ðÑð¨÷î ×ðøȨîÐð÷ ¡ÑðÐð÷ ¨îðÚðð÷áÈ ¨÷î òâ𦠸ðð÷ò®ðÙð ¡ðÏððòÜÃð ¡ðüÃðòܨî âð÷®ðð ÑðÜóêðð¨îó ÜÂðÐðóòÃð ¨îð÷ ¡ÑðÐððÚðð èø. ÑðòÜμððâðÐðð÷ü ¨÷î çãðÞÑð ¡ðøÜ ¸ðò¾âðÃðð¡ð÷ü¨÷î ¡ÐðôÞÑð ÑßðøÌðð÷ò±ð¨îó ¡ðøÜ ¡ðýá¾ó çðôÜêðð çðü×ðüÏðó ÙðôÉð÷ü ¨÷î çðÙððÏððÐð¨÷î òâ𦠡ðüÃðòܨî âð÷®ðð ÑðÜóêðð ÑßÂððâðó ¨÷î òèççð÷ ¨÷î ÞÑð Ùð÷ü çðõμðÐððÑßÂððâðó âð÷®ðð ÑðÜóêðð (¡ðýá¦çð¦) Ùððø¸ðõÇ èø. ÑðòÜμððâðÐð çðü×ðüÏðó¨îðÚðá¨ôîäðâðÃðð ¨îð÷ ×ðÁÿðÐð÷ ¦ãðü ÑßòªîÚðð¡ð÷ü ¨îð÷ ×ð÷èÃðÜ ×ðÐððÐð÷ è÷Ãðôâð÷®ðð ÑðÜóêðð ¦ãðü ¡ÐÚð ÑðòÜμððâðÐð ®ðüÀð÷ü Ùð÷ü £òμðÃð ÃððâðÙð÷âð èø.¡ðÑð¨÷î ×ðøÈü¨î Ùð÷ü òÐðÚððÙð¨î ¡ðãðäÚð¨îÃðð¡ð÷ü ¨÷î ¡ÐðôçððÜ ¡ðüÃðòܨîâð÷®ðð ÑðÜóêðð ¨îðÚðá ¨÷î ÑðõÜ¨î ¨÷î ÞÑð Ùð÷ü ãÚððÑð¨î çðü±ððÙðó âð÷®ððÑðÜóêðð ÑßÂððâðó Ùððø¸ðõÇ èø. çðãðð÷áÄðÙð ÑðÊòÃðÚðð÷ü ¨îð÷ ¡ÑðÐððÐð÷ ¨÷îÑßÚððçðð÷ü ¨÷î ÞÑð Ùð÷ü ×ðøÈ¨î ¨îó ÑðÊòÃðÚðð÷ü ¦ãðü ÑßòªîÚðð¡ð÷ü ¨îð÷ ×ð÷üμðÙðð¨áî20

×ðÐððÐð÷ ÑðÜ ¸ðð÷Ü òÇÚðð ¸ððÃðð èø. ×ðð÷Àá ¨îó âð÷®ðð ÑðÜóêðð çðòÙðòÃð ÃðÆðð¨îðÚðáÑððâð¨îð÷ü ¨îó âð÷®ðð ÑðÜóêðð çðòÙðòÃð ¨îðÚðáòÐðæÑððÇÐð ¨îó çðÙðóêðð¨îÜÃðó èø ¡ðøÜ ¡ðüÃðòܨî âð÷®ðð ÑðÜóêðð ¨îðÚðá ¨÷î òâð¦ òÐðÇ÷áäð Ç÷Ãðóèø ÃðÆðð ¡ðüÃðòܨî òÐðÚðüëðÂð ÑßÂððòâðÚðð÷ü ¨îó ÑßØððãðäðóâðÃðð ÃðÆððòÐðÚððÙð¨î òÇäððòÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôÑððâðÐð ¨îó çðÙðóêðð ¨îÜÃðó èø.çðÃð¨áîÃðð Ãðüëð¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ÑßÏððÐð ¨îðÚððáâðÚð Ùð÷ü ¦¨î çðÃð¨áîÃðð òãðØðð±ð ¨îðÚðáÜÃðèø. ýçð¨÷î ¡âððãðð, ¡üμðâð/äðð®ðð çÃðÜ ÑðÜ çðÃð¨áîÃðð çð÷ çðü×ðüòÏðÃðÙððÙðâðð÷ü ¨îð çðÙðÐãðÚð ¨îÜÐð÷ ¡ðøÜ ÙððÙðâðð÷ü ¨îð ÃãðòÜÃð òÐðÑð¾ðÐð ¨îÜÐð÷¨÷î òâð¦ ÑßÃÚð÷¨î ¡üμðâð ¨îðÚððáâðÚð Ùð÷ü ¡üμðâð çðÃð¨áîÃðð ¨îêð çÆððòÑðÃðò¨îÚð÷ ±ðÚð÷ èøÈ. çðÃð¨áîÃðð òãðØðð±ð çðÃð¨îáÃðð çð÷ ¸ðôÀÿó òäð¨îðÚðÃðð÷ü ¨îó¸ððüμð ¨îÜÐð÷ ¨÷î òâð¦ äðóæðá Ñß×ðüÏðÐð ¨îð÷ ¡ðãðäÚð¨î ¸ððÐð¨îðÜó £Ñðâð×Ïð¨îÜãððÐð÷ ÃðÆðð òÐðÚðüëðÂð ãÚðãðçÆðð¡ð÷ü ¨îð÷ ×ð÷èÃðÜ ×ðÐððÐð÷ è÷Ãðô çðôÏððÜðÃÙð¨î£ÑððÚð çðô»ððÐð÷ ¡ðøÜ òÐðÏððáòÜÃð ÑßòªîÚðð¡ð÷ü ¨îð ¡ÐðôÑððâðÐð çðôòÐðòäμðÃð¨îÜÐð÷ ¨÷î òâ𦠦¨î ÙððÏÚðÙð ¨÷î ÞÑð Ùð÷ü ¨îðÚðá ¨îÜÃðð èø. ¡ðÑð¨÷î ×ðøȨîÐð÷ ¦¨î ¦÷çðó ÑßÂððâðó äðôÞ ¨îó èø ò¸ðçðÙð÷ü ¸ðÐðÃðð / ò¨îçðó ¡ÐÚð çßð÷Ãðçð÷ ÑßðÑÃð òäð¨îðÚðÃðð÷ü ÑðÜ ÃãðòÜÃð ¨îðÜáãððýá ¨îó ¸ððÃðó èø ¡ðøÜ ØðòãðæÚðÙð÷ü ¦÷çðó òäð¨îðÚðÃðð÷ü ¨îó ÑðôÐðÜðãðöòÃÃð Ðð èð÷, ýçð¨÷î òâ𦠨îÇÙ𠣿ðÚð÷¸ððÃð÷ èøÈ.¨îÙðáμððòÜÚðð÷ü ¨îð÷ Øßæ¾ðμððÜ ¨îó ×ðôÜðýÚðð÷ü ¨îð ¡èçððçð ¨îÜðÐð÷ ¨÷î òâð¦¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ÑßÏððÐð ¨îðÚððáâðÚð/¡üμðâð ¡ðøÜ äðð®ðð ¨îðÚððáâðÚðð÷ü Ùð÷ü6 çð÷ 10 Ððãðü×ðÜ 2006 ¨÷î ÇðøÜðÐð çðÃð¨áîÃðð ¸ðð±ðÞ¨îÃðð çðÑÃððèÙðÐððÚðð ±ðÚðð. òãðòØðÐÐð ¡üμðâð/äðð®ðð ¨îðÚððáâðÚðð÷ü ¨÷î òÐðãððܨî çðÃð¨áîÃððÇðøÜ÷ ò¨îÚð÷ ±ðÚð÷ Ãððò¨î ãðèðü ¨÷î ¨îðÚðð÷áÈ ¨îó ¸ððüμð ÃðÆðð ÑßÂððòâðÚðð÷ü ¡ðøÜÑßòªîÚðð¡ð÷ü ¨÷î ¡ÐðôÑððâðÐð ¨îó çðÙðóêðð ¨îÜ ¡ðãðäÚð¨îÃððÐðôçððÜçðôÏððÜðÃÙð¨î £ÑððÚð çðô»ððÚð÷ ¸ðð çð¨÷üî. ãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøȨî¨÷î òãðòØðÐÐð ¨îðÚððáÃÙð¨î êð÷ëðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü çðãðð÷áÄðÙð ÑðÊòÃð ¨îð÷ÀÃðøÚððÜ ò¨îÚðð ±ðÚðð ¡ðøÜ £çð÷ ýü¾àðÐð÷¾ ÑðÜ Ü®ðð ±ðÚðð èø Ãððò¨î ãðèçðØðó ç¾ðÒî çðÇçÚðð÷ü ¨îð÷ ¡ðçððÐðó çð÷ £Ñðâð×Ïð Üè÷.Ïðð÷®ððÏðÀÿó, À¨øîÃðó, âðõ¾, çð÷üÏðÙððÜó ¡ðøÜ μðð÷Üó çðü×ðüÏðó ÙððÙðâðð÷ü ÑðÜòãðäð÷æð ÏÚððÐð Ç÷Ðð÷ ÃðÆðð ¦÷çð÷ ÙððÙðâðð÷ü ¨îð÷ òܺðãðá ×ðøȨî, òãðÄð ÙðüëððâðÚð,òÐðÇ÷äð¨î ÙðüÀâð, Ïðð÷®ððÏðÀÿó òÐð±ðÜðÐðó çðòÙðòÃð ÃðÆðð ×ðð÷Àá ¨îó âð÷®ððÑðÜóêðð çðòÙðòÃð (¦çðó×ðó) ¨îð÷ òÜÑðð÷¾á ¨îÜÐð÷ ¡ðøÜ çðü×ðüòÏðÃð òãðØðð±ðð÷ü¨îð÷ ýçð ×ððÜ÷ Ùð÷ü ¡ðãðäÚð¨î ¨îðÜáãððýá ¨îð òÐðÇ÷áäð Ç÷Ðð÷ ¨÷î òâ𦠡ðÑð¨÷î×ðøȨî Ùð÷ü ¦¨î Ïðð÷®ððÏðÀÿó òÐð±ðÜðÐðó ±ßôÑð ¨îð ±ð¿Ðð ò¨îÚðð ±ðÚðð èø.±ßðè¨îð÷ü ¨÷î ÑßòÃð ×ðøÈ¨î ¨îó ÑßòÃð×ðÊÃðð ¨îð ¨îð÷Àãðæðá ¨÷î ÇðøÜðÐð ¡ðÑð¨îð ×ðøȨî ØððÜÃðóÚð òܺðãðá ×ðøȨî ÎðÜð èðâð èó Ùð÷ü±ðò¿Ãð ØððÜÃðóÚð ×ðøÈò¨üî±ð ¨îð÷À ¦ãðü ÙððÐð¨î ×ðð÷Àá (×ðóçðó¦çð×ðó¡ðýá)¨îð çðÇçÚð ×ðÐðð. ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î òÐðÇ÷äð¨î ÙðüÀâð Ðð÷ ±ßðè¨îð÷ü ¨÷îòâð¦ ×ðøÈ¨î ¨îó ÑßòÃð×ðÊÃðð ¨îð ¨îð÷À (¨îð÷À) ¨îðÚððáÐãðÚðÐð è÷Ãðô çãðó¨îðÜò¨îÚðð. Úðè ¨îð÷À çãðøòμ¨î èø ¸ðð÷ ×ðøȨîð÷ü ¨÷î òâð¦ ãðøÚðò©Ãð¨î ±ßðè¨îð÷üçð÷ çðüãÚðãðèðÜ ¨÷î òâ𦠡ÑðÐððÚðó ¸ððÐð÷ ãððâðó ×ðøÈò¨üî±ð ÑðÊòÃðÚðð÷ü ¨÷îòâð¦ ÐÚðõÐðÃðÙð ÙððÐð¨î òÐðÏððáòÜÃð ¨îÜÃðð èø. Úðè ±ßðè¨îð÷ü ¨îð÷ çðüÜêðÂðÑßÇðÐð ¨îÜÃðð èø ¡ðøÜ Úðè çÑðæ¾ ¨îÜÃðð èø ò¨î ×ðøȨîð÷ü ¨îð÷ ÇøÐðüòÇÐð¨îðÚðð÷áÈ ¨÷î òâð¦ ò¨îçð ÃðÜè £Ðð¨÷î çððÆð ãÚðãðèðÜ ¨îÜÐðð μððòè¦.×ðøȨî ÎðÜð ¨îð÷À ¨÷î ¡ÐðôÑððâðÐð ¨÷î ¡òÐðãððÚðá Øðð±ð ¨÷î ÞÑð Ùð÷ü ¨îð÷Àçðü×ðüÏðó ¸ððÐð¨îðÜó ±ßðè¨îð÷ü ¨îð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ãð÷×ðçððý¾ ÑðÜ ÑßÇòäðáÃð¨îÜ, äðð®ðð¡ð÷ü Ùð÷ü, ¦¾ó¦Ùð Ùð÷ü ¡ðøÜ çððÆð èó ±ßðè¨îð÷ü ¨÷î ®ððÃðð òãðãðÜÂð¨÷î çððÆð £Ñðâð×Ïð ¨îÜðÚðó ¸ððÃðó èø. ¨îð÷À ¨îó ÑßòÃð äðð®ðð¡ð÷ü ¨÷î ¸ðòÜÚð÷±ßðè¨îð÷ü ¨îð÷ òãðÃðòÜÃð ¨îó ±ðÚðó èø. çððÆð èó 1 ¸ðÐðãðÜó 2007 ¨÷î×ððÇ ×ðÐð÷ çðØðó ÐðÚð÷ ±ßðè¨îð÷ü ¨îð÷ ¨îð÷À ¨îó ÑßòÃð Øð÷¸ðó ¸ðð Üèó èø.¨îð÷À ¨÷î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôÑððâðÐð ¨÷î ÞÑð Ùð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨îó çðØðóäðð®ðð¡ð÷ü Ùð÷ü Úðè Ñðð÷ç¾Ü âð±ððÚðð ±ðÚðð èø ò¨î òãðòØðÐÐð ÐðóòÃð±ðÃðÇçÃððãð÷¸ð ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ãð÷×ðçððý¾ ¡ðøÜ äðð®ðð¡ð÷ü Ùð÷ü £Ñðâð×Ïð èøüò¸ðÐè÷ü ±ßðè¨î ¨îó Ùððü±ð ÑðÜ £Ðè÷ü £Ñðâð×Ïð ¨îÜðÚðð ¸ðð çð¨îÃðð èø.¨îð÷À ¡ÐðôÑððâðÐð ¡òÏð¨îðÜó ¨îð ÐððÙð ¡ðøÜ çðüÑð¨áî çðü×ðüÏðó ×Úðð÷Ü÷ Øðóäðð®ðð¡ð÷ü ¡ðøÜ ×ðøÈ¨î ¨îó ãð÷×ðçððý¾ ÑðÜ ÑßÇòäðáÃð ò¨îÚð÷ ±ðÚð÷ èøü.¡ðÑð¨îð ×ðøȨî ×ðóçðó¦çð×ðó¡ðýá ¨÷î òÇäððòÐðÇ÷áäðð÷ü ¨îð òÐðÚðòÙðÃð ¡ðÏððÜÑðÜ ¡ÐðôÑððâðÐð ¨îÜÐð÷ ¨÷î òâð¦ çðØðó ¡ðãðäÚð¨î ¨îÇÙ𠣿ð Üèð èø.çððÆð èó, ýçð¨÷î ×ðð÷Àá ¨îó ±ßðè¨î çð÷ãðð çðòÙðòÃð ¡ðøÜ ±ßðè¨î çð÷ãððçÆððÚðó çðòÙðòÃð Úðè çðôòÐðòäμðÃð ¨îÜÃðó èø ò¨î ×ðøÈ¨î ¨îó Úðð÷¸ðÐðð¦üÑßòªîÚðð¦ü ¡ðøÜ çð÷ãðð¦ü çðÙðÚð-çðÙðÚð ÑðÜ ×ðóçðó¦çð×ðó¡ðýá ¨÷î ¡Ñð÷òêðÃð£É÷äÚðð÷ü ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î ¡ÐðôÞÑð ×ð÷èÃðÜ ¨îó ¸ððÃðó èøÈ Ãððò¨î±ßðè¨î èÙððÜó çð÷ãðð¡ð÷ü çð÷ çðüÃðôæ¾ Üè÷ü.ýçð¨÷î ¡âððãðð ç¾ðÒî çðÇçÚðð÷ü ¨÷î ×ðóμð ¸ðð±ðÞ¨îÃðð âððÐð÷ ¨÷î òâð¦×ðøÈ¨î ¨÷î ýü¾àðÐð÷¾ ÑðÜ ¨îð÷À ¨îó ÑßòÃð ÑßÇòäðáÃð ¨îó ±ðÚðó èø. çðØðóäðð®ðð¦ü ¡ÑðÐð÷ ç¾ðÒî, ò×ðªîó ¾óÙðð÷ü ¡ðøÜ çðü±ßèÂð ¾óÙð ¨îð÷ ¨îð÷À ¨÷îÑßðãðÏððÐðð÷ü çð÷ ¡ãð±ðÃð ¨îÜðÐð÷ ¨÷î òâ𦠡ðøÜ ±ßðè¨îð÷ü çð÷ çðüãÚðãðèðܨîÜÃð÷ çðÙðÚð çððãðÏððÐðó çðôòÐðòäμðÃð ¨îÜÐð÷ ¨÷î òâð¦ ÑßòäðêðÂð ¨îðÚðáªîÙð¡ðÚðð÷ò¸ðÃð ¨îÜ Üèó èøü. ýçð¨÷î ¡âððãðð, ×ðøÈ¨î ¨÷î ÑßòäðêðÂð ¨÷îÐÍð÷üÙð÷ü ¨îð÷À ¨÷î ÑßðãðÏððÐðð÷ü ÑðÜ òãðäð÷æð ÑßòäðêðÂð çðëð μðâððÚð÷ ¸ðð Üè÷ èøü.òÐðÚððÙð¨î ¡ÐðôÑððâðÐð¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¡ÐðôÑððâðÐð çðü×ðüÏðó ¨îðÚðð÷áÈ Ùð÷ü çððüòãðòÏð¨î òÐð¨îðÚðð÷ü/òܺðãðá ×ðøÈ¨î ¡ðøÜ ¡ÐÚð òãðòÐðÚððÙð¨î òÐð¨îðÚðð÷ü ¨îð÷ çðÙðÚð ÑðÜ òãðãðÜòÂðÚððü/òÜÑðð÷¾÷áÈ ÑßçÃðôÃð ¨îÜÐðð ÃðÆðð çðüçðÇ/çðܨîðÜ ¨îð÷ ¸ððÐð¨îðÜó Øð÷¸ðÐððäððòÙðâð èø. ¡ðÑð¨÷î ×ðøȨî Ðð÷ òãðòØðÐÐð çððüòãðòÏð¨î ¡ðøÜ òãðòÐðÚððÙð¨îòÇäððòÐðÇ÷áäðð÷ü ¨îð ¡ÐðôÑððâðÐð çðôòÐðòäμðÃð ¨îÜÐð÷ ¨÷î òâð¦ ÑðÚððáÑÃð¨îÇÙ𠣿ðÚð÷ èøü. òÐðÜüÃðÜ ¡ðÏððÜ ÑðÜ òÐðÚððÙð¨î òÇäððòÐðÇ÷áäðð÷ü ¨÷î¡ÐðôÑððâðÐð ¨îó çðÙðóêðð ¡ðøÜ çðÙðÐãðÚð ¨îÜÐð÷ ¡ðøÜ £çð÷ ×ðÁÿðÐð÷ ¨÷îòâð¦ ×ðøÈ¨î ¨÷î ¦¨î ãðòÜæ¿ ¡òÏð¨îðÜó ¨îð÷ òÐðÚððÙð¨î ¡ÐðôÑððâðÐð ¡òÏð¨îðÜó¨÷î ÞÑð Ùð÷ü ÐððòÙðÃð ò¨îÚðð ±ðÚðð èø.çðõμðÐðð ¨îð ¡òÏð¨îðÜ ¡òÏðòÐðÚðÙð ¨÷î ¡üÃð±ðáÃð Ñðèâð ¨îðÚðáÑßÃÚð÷¨î çðܨîðÜó ÑßðòÏð¨îÜÂð ¨÷î ¨îðÙð¨îð¸ð Ùð÷ü ÑððÜÇòäðáÃðð ¡ðøܸðãðð×ðÇ÷èó ¨îð÷ ×ðÁÿðãðð Ç÷Ðð÷ ¨÷î £É÷äÚð çð÷ ØððÜÃð çðܨîðÜ Ðð÷ çðõμðÐðð21

¨îð ¡òÏð¨îðÜ ¡òÏðòÐðÚðÙð, 2005 ×ðÐððÚðð èø. £©Ãð ¡òÏðòÐðÚðÙð ¨÷îÑßðãðÏððÐðð÷ü ¨îð ¡ÐðôÑððâðÐð çðôòÐðòäμðÃð ¨îÜÐð÷ ¨÷î òâ𦠡ðøÜ òãðäð÷æðÞÑð çð÷ ¡ÐðôÑððâðÐð Ðð ¨îÜÐð÷ ÑðÜ ÇüÀðÃÙð¨î ®ðüÀð÷ü ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷èô¦ ¡ðÑð¨÷î ×ðø¨î çð÷ ¡ðãð÷Ǩîð÷ü ÎðÜð ¸ððÐð¨îðÜó Ùððü±ð÷ ¸ððÐð÷ ÑðÜ¡Ñð÷òêðÃð ¸ððÐð¨îðÜó Ç÷Ðð÷ ¨îð ¨îðÚðá ÑßðÜüØð Ùð÷ü ¨÷îÐÍó¨öîÃð ò¨îÚðð ±ðÚððÆðð. ÃðÆððòÑð ýçð ¨îðÚðá ¨îð÷ ¡ðøÜ ãÚðãðòçÆðÃð ¨îÜÐð÷ ¨÷î £É÷äÚð çð÷¡ðøÜ çððÆð èó £ÄðÜ Ç÷Ðð÷ ¨÷î çðÙðÚð ¨îð÷ ¨îÙð ¨îÜÐð÷ ¨÷î òâð¦ ýçðÑßòªîÚðð ¨îð÷ èðâð èó Ùð÷ü òãð¨÷îÐÍó¨öîÃð ò¨îÚðð ±ðÚðð èø ¡ðøÜ ×ðÀÿó çðü®ÚððÙð÷ü ¨÷îÐÍóÚð ¸ðÐð çðõμðÐðð ¡òÏð¨îðòÜÚðð÷ü ¨îð÷ ÐððòÙðÃð ò¨îÚðð ±ðÚðð èø,ò¸ðÐè÷ü òãðòäðæ¾ ¨îðÚðá çððøÈÑð÷ ±ðÚð÷ èøÈ Ãððò¨î ¸ððÐð¨îðÜó ¸ðâÇ çð÷ ¸ðâÇØð÷¸ðó ¸ðð çð¨÷î. çðõμðÐðð ¨îð ¡òÏð¨îðÜ, 2005 ¨îó ÏððÜð 4 ¨÷î ¡ÐðôçððÜ¡ðÑð¨÷î ×ðøȨîî Ðð÷ çðü×ðüòÏðÃð ¸ððÐð¨îðÜó ¡ÑðÐðó ãð÷×ðçððý¾ ÑðÜ ÑßÇòäðáÃð¨îó èø. ¡ðܾó¡ðýá ¡òÏðòÐðÚðÙð ¨÷î ¡üÃð±ðáÃð ¡ðãð÷Ǩîð÷ü ÎðÜð Ùððü±ðó±ðÚðó ¸ððÐð¨îðÜó ¡òÏðòÐðÚðÙð ¨÷î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçððÜ ÑßÇðÐð ¨îó¸ððÃðó èø.òèüÇó ¨îð Ñß±ððÙðó ÑßÚðð÷±ðØððÜÃð çðܨîðÜ ÎðÜð òÐðÏððáòÜÃð òÇäððòÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôçððÜ ¨îðÚððáâðÚðóÐð¨îðÙð-¨îð¸ð Ùð÷ü òèüÇó ¨÷î Ñß±ððÙðó ÑßÚðð÷±ð ¨÷î òâð¦ ãðæðá ¨÷î ÇðøÜðÐð ¨îýá¨îÇÙ𠣿𦠱ð¦. ×ðøȨî Ðð÷ ØððÜÃð çðܨîðÜ ¨÷î Üð¸ðØððæðð ¡òÏðòÐðÚðÙð¦ãðü òÐðÚðÙð ¨÷î òãðòØðÐÐð ÑßðãðÏððÐðð÷ü ¨îð ¡ÐðôÑððâðÐð çðôòÐðòäμðÃð ò¨îÚðð.ÑðëððμððÜ ¡ðøÜ ¡ðüÃðòÜ¨î ¨îðÙð¨îð¸ð Ùð÷ü òèÐÇó ¨îð ÑßÚðð÷±ð ×ðÁÿðÐð÷ ¨÷îòâð¦ çðòªîÚð ÑßÚððçð ò¨îÚð÷ ±ðÚð÷. òèüÇó ¨î÷ ×ðÁÿÃð÷ èô¦ ÑßÚðð÷±ð çð÷ ×ðøȨî¨îð÷ çðÙðð¸ð ¨÷î ¡ðøÜ ãÚððÑð¨î ãð±ðð÷áÈ Ãð¨î ÑðèôûμðÐð÷ Ùð÷ü ÙðÇÇ òÙðâðó.çðÙðóêððÏðóÐð ¡ãðòÏð ¨÷î ÇðøÜðÐð, ÑßðøÌðð÷ò±ð¨îó Úðô©Ãð ãððÃððãðÜÂð Ùð÷üòèüÇó ¨÷î ÑßÚðð÷±ð ¨îð÷ ×ðÁÿðÐð÷ ¨÷î òâ𦠡ðøÜ ÑßÚððçð ò¨îÚð÷ ±ð¦. ç¾ðÒîçðÇçÚðð÷ü ¨îð÷ òèüÇó çððùÓ¾ãð÷ÚðÜ ¨îð ÑßòäðêðÂð ÑßÇðÐð ò¨îÚðð ±ðÚðð.×ðøÈ¨î ¨îó ãð÷×ðçððý¾ ÑðÜ òãðòØðÐÐð Úðð÷¸ðÐðð¡ð÷ü ¡ðøÜ çð÷ãðð¡ð÷ü ¨îó¸ððÐð¨îðÜó, äð÷ÚðÜÏððܨîð÷ü/ ×ððüÀÏððܨîð÷ü ¨÷î òâð¦ òÇäððòÐðÇ÷áäð ¡ðòÇòèüÇó Ùð÷ü Øðó £Ñðâð×Ïð ¨îÜ𦠱ð¦. ýçð¨÷î ÑðòÜμððâðÐðð÷ü ¨÷î òãðòØðÐÐðêð÷ëðð÷ü Ùð÷ü Üð¸ðØððæðð ÐðóòÃð ¨÷î ¨îðÚððáÐãðÚðÐð ¨÷î òâð¦ Ððãðð÷ÐÙð÷æðó £ÑððÚðò¨î¦ ±ð¦. ×ðøȨî ØððÜÃð çðܨîðÜ ÎðÜð ¸ððÜó ãððòæðá¨î ¨îðÚððáÐãðÚðÐð¨îðÚðáªîÙð Ùð÷ü òÐðÏððáòÜÃð òãðòØðÐÐð âðêÚðð÷ü ¨îð÷ ÑßðÑÃð ¨îÜÐð÷ ¨÷î òâð¦¡ÑðÐð÷ ÑßÚððçð ¸ððÜó Ü®ð÷±ðð.çðüçðÇóÚð Üð¸ðØððæðð çðòÙðòÃð Ðð÷ ×ðøÈ¨î ¨÷î ÑðôÂð÷ ¨îðÚððáâðÚð ¨îð ÇðøÜðò¨îÚðð ¡ðøÜ ×ðøȨî ÎðÜð Üð¸ðØððæðð ÐðóòÃð ¨÷î ¨îðÚððáÐãðÚðÐð Ùð÷ü ò¨îÚð÷ ±ðÚð÷ÑßÚððçðð÷ü ¨îó çðÜðèÐðð ¨îó. ×ðøȨî Ùð÷ü òèÐÇó ¨÷î ÑßÚðð÷±ð ¨îó çðÙðóêððØððÜÃð çðܨîðÜ ¨÷î òãðÄð ÙðüëððâðÚð ¨÷î ×ðøÈò¨üî±ð ÑßØðð±ð ¨îó Üð¸ðØððæðð¨îðÚððáÐãðÚðÐð çðòÙðòÃð ¨îó òÃðÙððèó ×ðø¿¨îð÷ü Ùð÷ü Øðó ¨îó ±ðÚðó.ØððÜÃðóÚð òܺðãðá ×ðøÈ¨î ¨îó òÎØððæðó ±ðöè Ñðòëð¨îð ÑßòÃðÚðð÷ò±ðÃðð Ùð÷ü ×ðøȨî¨îó ±ðöè Ñðòëð¨îð `åó ãðÚðÙðþ' ¨îð÷ ÑðôÜç¨îðÜ ÑßðÑÃð èô¡ð. çððÆð èó,×ðøÈ¨î ¨÷î òãðòØðÐÐð äðð®ðð ¨îðÚððáâðÚðð÷ü ¨îð÷ òèÐÇó ¨÷î å÷æ¿ ¨îðÚððáÐãðÚðÐð¨÷î òâð¦ Üð¸ðØððæðð òãðØðð±ð, ±ðöè ÙðüëððâðÚð ÃðÆðð Ðð±ðÜ Üð¸ðØððæðð¨îðÚððáÐãðÚðÐð çðòÙðòÃðÚðð÷ü çð÷ ÑßòÃðòæ¿Ãð çðÙÙððÐð/ÑðôÜç¨îðÜ ÑßðÑÃð èô¦.¨îðùÜÑðð÷Ü÷¾ çðüãððÇãðæðá 2006-07 ¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î òãðìððÑðÐð ¡ðøÜ ¸ðÐð-çðüÑð¨áî¨÷î ÑßÚððçð çððÙðòÚð¨î ×ßðüÀ òãðìððÑðÐð ¨÷î çððÆð ×ðøÈ¨î ¨îó òãðòØðÐÐðÚðð÷¸ðÐðð¡ð÷ü ÑðÜ ¨÷îòÐÍÃð Üè÷. ¡ðÑð¨÷î ×ðøÈ¨î ¨îó ¨îðÜð÷×ððÜó Úðð÷¸ðÐðð ¨÷î¡ÐðôçððÜ ×ðøÈ¨î ¨÷î ¨îðÜð÷×ððÜ ¨îó Ùððëðð ¨îð÷ ×ðÁÿðÐð÷ ¨÷î òâð¦ çððÙððÐÚðÃð:Úðð÷¸ðÐðð¡ð÷ü ¨÷î òãðìððÑðÐð ¡ðøÜ ®ððçð ÃððøÜ ÑðÜ òܾ÷âð Úðð÷¸ðÐðð¡ð÷ü ¨÷îÑßμððÜ ÑðÜ òãðäð÷æð ¸ðð÷Ü Ç÷Ððð ¸ðÞÜó Æðð.ýçð ÜÂðÐðóòÃð ¨÷î òèççð÷ ¨÷î ÞÑð Ùð÷ü ¡ðÑð¨÷î ×ðøȨî Ðð÷ ãðæðá ¨÷î ÇðøÜðÐðÚðð÷¸ðÐðð¡ð÷ü ¨÷î çðüÇ÷äð ¨îð÷ çðèó Áü±ð çð÷ ÑðèôûμððÐð÷ ¨÷î òâ𦠡Ðð÷¨îÑßÙðô®ð Úðð÷¸ðÐðð¡ð÷ü ¸ðøçð÷ ¡ðýáÀó×ðó¡ðýá çðôòãðÏðð òÒî©çÀ òÀÑððùò¸ð¾¡ðøÜ ¡ðãððçð ¥Âðð÷ü ¨÷î òâð¦ çðÙððμððÜ Ñðëðð÷ü, ¾óãðó, Ü÷òÀÚðð÷ ¡ðøÜ¡ð£¾Àð÷Ü Ùð÷ü ¦¨î çðü¨÷îòÐÍÃð Ùðâ¾ó-ÙðóòÀÚðð òãðìððÑðÐð ¡òØðÚððÐð ¨îóäðôÝ¡ðÃð ¨îó. ×ðøȨî çð÷ ¨îðÜð÷×ððÜó çðÙ×ðÊÃðð Ü®ðÐð÷ ãððâð÷ ¨îðÚðáªîÙðð÷ü¨÷î òâð¦ òãðòØðÐÐð ÑߨîðÜ çð÷ ÑßðÚðð÷¸ð¨îÃðð çðèÚðð÷±ð ÑßÇðÐð ò¨îÚðð ±ðÚðð.ýçð¨÷î ¡âððãðð, ×ðøÈ¨î ¨îó Æðð÷¨î ¦ãðü òܾ÷âð ×ðøÈò¨üî±ð Úðð÷¸ðÐðð¡ð÷ü ãðçð÷ãðð¡ð÷ü ¨÷î ×ððÜ÷ Ùð÷ü çðôòãðÏðð¸ðÐð¨î ÞÑð Ùð÷ü ¸ððÐð¨îðÜó Ç÷Ðð÷ ¨÷î òâð¦¡ðÑð¨÷î ×ðøÈ¨î ¨îó ãð÷×ðçððý¾ ¨îð÷ âð±ððÃððÜ ¡ÌðÃðÐð ò¨îÚðð ¸ððÃðð Üèð.¡ðÑð¨÷î ×ðøȨî ÎðÜð ÑßÇðÐð ¨îó ¸ðð Üèó ×ð÷èÃðÜóÐð çð÷ãðð¡ð÷ü ¨îð÷ ¡òÏð¨îÑßÙðô®ðÃðð çð÷ ÇäððáÃð÷ èô¦ ¡ðøÜ çððÆð èó çððÆð ÙðóòÀÚðð ¨îó Ðð¸ðÜ Ùð÷ü¡ðýáÀó×ðó¡ðýá ×ßðüÀ ¨îó £ÑðòçÆðòÃð ¨îð÷ çðôòÐðòäμðÃð ¨îÜÃð÷ èô¦¸ðÐðçððÙððÐÚð Ùð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ×ððÜ÷ Ùð÷ü ¡ðÙð âðð÷±ðð÷ü ¨îó ¡Ððô¨õîâðÜðÚð ×ðÐððÐð÷ ¨÷î £É÷äÚð çð÷ ÑðõÜ¨î ¸ðÐðçðüÑð¨áî Ñðèâð ¨îó ±ðýá.22

âð÷®ðð ÑðÜóêðð çðòÙðòÃð31 Ùððμðá 2007 ¨îð÷ ×ðð÷Àá ¨îó âð÷®ðð ÑðÜóêðð çðòÙðòÃð (¦çðó×ðó) Ùð÷ü Çð÷£Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¡ðøÜ μððÜ çãðÃðüëð òÐðÇ÷äð¨îð÷ü çðòèÃð : çðÇçÚðÆð÷. åó ¨÷î. ÐðÜòçðÙè ÙðõòÃðá, ¡èáÃðð ÑßðÑÃð çðÐðÇó-çðè-âðð±ðÃð âð÷®ðð¨îðÜâð÷®ðð ÑðÜóêðð çðòÙðòÃð ¨÷î ¡ÏÚðêð Æð÷ ÃðÆðð ýçð¨÷î ¡ÐÚð çðÇçÚð Æð÷çðãðáåó¡ð÷.ãðó. ×ðôÐÇ÷âðõ, ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð, Çð÷Ððð÷ü £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î;çðãðáåó ¦μð.¦âð. ¸ðôÃäðó, ¡ðÜ.ãðó. ±ðôÑÃðð ¡ðøÜ åóÙðÃðó âðóâðð òÒîÜð÷ºðÑðõÐððãððâðð. 1 ¡Ñßøâð 2006 çð÷ 31 Ùððμðá 2007 ¨÷î ÇðøÜðÐð ¦çðó×ðó ¨÷î¨îðÚðá ¦ãðü ¡òÏð¨îðÜ çðõμðó×ðÊÃðð ¨îÜðÜ ¨÷î çðüäðð÷òÏðÃð ®ðüÀ 49,¡òÏðòÐðÚðÙð ¨îó ÏððÜð 292¦ ¨÷î ÑßðãðÏððÐðð÷ü ÃðÆðð òܺðãðá ×ðøÈ¨î ¨÷îçðü×ðüòÏðÃð òÇäðð-òÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôÞÑð Üè÷. ò¨îçðó Øðó ¨îÙðáμððÜó ãð±ðá¨îð÷ âð÷®ðð ÑðÜóêðð çðòÙðòÃð ¨÷î çðÙðêð ¸ððÐð÷ çð÷ ÐðèóÈ Üð÷¨îð ±ðÚðð.çððüòãðòÏð¨î âð÷®ðð ÑðÜóêð¨îð÷ü ¨îó òÐðÚðôò©Ãð ×ðøȨî¨îðÜó òãðòÐðÚðÙðÐð¡òÏðòÐðÚðÙð, 1949 ¨÷î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçððÜ òܺðãðá ×ðøÈ¨î ¨÷î ¡ÐðôÙðð÷ÇÐðçð÷ ¨îó ±ðýá Æðó. ¦çðó×ðó ÎðÜð Ç÷®ð÷ ±ðÚð÷ ÙððÙðâðð÷ü Ùð÷ü ¡ÐÚð ×ððÃðð÷ü ¨÷îçððÆð-çððÆð òÃðÙððèó/Ùððèó/ãððòæðá¨î âð÷®ðð÷ü, ¡ðüÃðòܨî âð÷®ðð ÑðÜóêððòÜÑðð÷¾ð÷áÈ ¨îó çðÙðóêðð, òܺðãðá ×ðøȨî òÐðÜóêðÂð òÜÑðð÷¾ð÷áÈ ¨îð ¡ÐðôÑððâðÐð¡ðòÇ äððòÙðâð Æð÷. 1 ¡Ñßøâð 2006 çð÷ 31 Ùððμðá 2007 Ãð¨î ¨îó¡ãðòÏð ¨÷î ÇðøÜðÐð ¦çðó×ðó ¨îó 12 ×ðø¿¨÷üî èôýáÈ ¸ðð÷ 21 ¡Ñßøâð 2006,24 Ùðýá 2006, 18 ¸ðôâððýá 2006, 19 ¸ðôâððýá 2006, 27 òçðÃðü×ðÜ2006, 19 ¡©Ãðõ×ðÜ 2006, 4 òÇçðü×ðÜ 2006, 11 òÇçðü×ðÜ 2006, 9¸ðÐðãðÜó 2007, 22 ¸ðÐðãðÜó 2007, 21 ÒîÜãðÜó 2007 ¡ðøÜ 24 Ùððμðá2007 ¨îð÷ èôýáÈ.¦çðó×ðó ¨îó ×ðø¿¨îð÷ü Ùð÷ü òÐðÇ÷äð¨îð÷ü ¨îó £ÑðòçÆðòÃð ¨îð ×ÚððøÜð Ãððòâð¨îð7 Ùð÷ü òÇÚðð ±ðÚðð èø.òÐðÇ÷äð¨îð÷ü ¨îð ÑððòÜåòÙð¨î¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¨îð ÑððòÜåòÙð¨î¡ðøÜ ÑðòÜâðò×ÏðÚððü ØððÜÃð çðܨîðÜ ÎðÜð ÃðÚð ¨îó ¸ððÃðó èøÈ. ¡ÏÚðêð¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ¡ðøÜ £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¨îð÷ òǦ ±ð¦ ÑððòÜåòÙð¨î¨îð òãðãðÜÂð Ãððòâð¨îð 8 Ùð÷ü òÇÚðð ±ðÚðð èø. ¡ÐÚð çãðÃðüëð òÐðÇ÷äð¨îð÷ü¨îð÷ ×ðð÷Àá / çðòÙðòÃð ¨îó ×ðø¿¨îð÷ü Ùð÷ü Øðð±ð âð÷Ðð÷ ¨÷î òâð¦ 5,000 ÝÑðÚð÷(×ðð÷Àá, ¨îðÚðáÑððâð¨î çðòÙðòÃð ¡ðøÜ âð÷®ðð ÑðÜóêðð çðòÙðòÃð ¨îó ×ðø¿¨î)¡ðøÜ 2,500 ÝÑðÚð÷ (×ðð÷Àá ¨îó ¡ÐÚð çðòÙðòÃðÚðð÷ü ¨îó ×ðø¿¨î) ÑßÃÚð÷¨î×ðø¿¨î ¨îó ÇÜ çð÷ ¨÷îãðâð ×ðø¿¨î äðôâ¨î ¡Çð ò¨îÚðð ±ðÚðð èø. ¡ÏÚðêð¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¨îð÷ ÑððòÜåòÙð¨î ¡ðøÜçãðÃðüëð òÐðÇ÷äð¨îð÷ü ¨îð÷ ×ðø¿¨î äðôâ¨î ¨÷î ¡âððãðð òÐðÇ÷äð¨îð÷ü ¨îð÷ ¨îð÷ýá¡ðøÜ ÑððòÜåòÙð¨î ¡Çð ÐðèóÈ ò¨îÚðð ±ðÚðð. ±ðøÜ-¨îðÚðáÑððâð¨î òÐðÇ÷äð¨îð÷ü¨÷î ×ðøÈ¨î ¨÷î çððÆð çðÙðóêððÏðóÐð ¡ãðòÏð ¨÷î ÇðøÜðÐð ¡ðòÆðá¨î çðü×ðüÏð/âð÷Ðð-Ç÷Ðð äðõÐÚð Üè÷.Ãððòâð¨îð 7 : ¦çðó×ðó ¨îó ×ðø¿¨îð÷ü Ùð÷ü òÐðÇ÷äð¨îð÷ü ¨îó £ÑðòçÆðòÃðòÐðÇ÷äð¨îð÷ü ¨÷î ÐððÙð çðÇçÚð ¨÷î ¨îðÚðá¨îðâð ×ðø¿¨îð÷ü Ùð÷ü £ÑðòçÆðòÃðÙð÷ü ¡ðÚðð÷ò¸ðÃð ×ðø¿¨÷üîåó ¨÷î. ÐðÜòçðÙè ÙðõòÃðá 12 12åó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ, £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î 12 12åó ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð, £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î 12 12Àðù. ¡¸ðÚð Çô¡ð (7 Ùðýá 2006 Ãð¨î) 1 0åó ¡ðÜ.ãðó. ±ðôÑÃðð 12 9åó ¦μð.¦âð. ¸ðôÃäðó 12 10åó ¦. äðò©Ãðãð÷âð (7 Ùðýá 2006 Ãð¨î) 1 1åóÙðÃðó âðóâðð òÒîÜð÷ºð ÑðõÐððãððâðð (8 Ùðýá 2006 çð÷) 11 1025

Ãððòâð¨îð 8 : ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¨÷î ÑððòÜåòÙð¨î ¨÷î ³ð¾¨îãð÷ÃðÐð ãð ØðÄð÷åó ãðó.Ñðó. äð÷¾þ¾ó - 26,000 ÝÑðÚð÷ ÑßòÃð Ùððè + Ùðèü±ððýá ãð÷ÃðÐð ¨÷î ÞÑð Ùð÷ü ãð÷ÃðÐð ¨îð 50%åó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ - 22,050 ÝÑðÚð÷ ÑßòÃð Ùððè + Ùðèü±ððýá ãð÷ÃðÐð ¨÷î ÞÑð Ùð÷ü ãð÷ÃðÐð ¨îð 50%åó ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð - 22,050 ÝÑðÚð÷ ÑßòÃð Ùððè + Ùðèü±ððýá ãð÷ÃðÐð ¨÷î ÞÑð Ùð÷ü ãð÷ÃðÐð ¨îð 50%¡ðòÃðÆÚðåó ãðó.Ñðó. äð÷¾þ¾ó - 6000 ÝÑðÚð÷ ÑßòÃð ãðæðá ¨îó ¡òÏð¨îÃðÙð çðóÙðð ¨÷î ¡ÏðóÐð ãððçÃðòãð¨î ¡ðòÃðÆÚð(©âð×ð ¨îó çðÇçÚðÃðð £ÑðÚðôá©Ãð ¡òÏð¨îÃðÙð çðóÙðð ¨÷î ØðóÃðÜ çðÙððÚðð÷¸Úð)åó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ - 6000 ÝÑðÚð÷ ÑßòÃð ãðæðá ¨îó ¡òÏð¨îÃðÙð çðóÙðð ¨÷î ¡ÏðóÐð ãððçÃðòãð¨î ¡ðòÃðÆÚð(©âð×ð ¨îó çðÇçÚðÃðð £ÑðÚðôá©Ãð ¡òÏð¨îÃðÙð çðóÙðð ¨÷î ØðóÃðÜ çðÙððÚðð÷¸Úð)åó ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð - 6000 ÝÑðÚð÷ ÑßòÃð ãðæðá ¨îó ¡òÏð¨îÃðÙð çðóÙðð ¨÷î ¡ÏðóÐð ãððçÃðòãð¨î¡ðòÃðÆÚð (©âð×ð ¨îó çðÇçÚðÃðð £ÑðÚðôá©Ãð ¡òÏð¨îÃðÙð çðóÙðð ¨÷î ØðóÃðÜ çðÙððÚðð÷¸Úð)¡ðãððçð¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¨îð÷ ò¨îÜðÚðð-Ùðô©Ãð çðò¸¸ðÃð ¡ðãððçðô¾þ¾ó ÚððëððòÜÚððÚðÃð¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¨÷î òâ𦠡ðòÏð¨îðòܨî ÇðøÜ÷ è÷Ãðô âðð±ðõ ÑððëðÃððå÷Âðó ¨÷î ¡ÐðôçððÜ çãðÚðü ¦ãðü ÑðòÜãððÜ ¨÷î òâð¦ ØððÜÃð Ùð÷ü ò¨îçðó Øðó çÆððÐð ¨îó Úððëðð ¨÷î òâð¦ Çð÷ ãðæðð÷áȨ÷î ×âððù¨î Ùð÷ü ¦¨î ×ððÜÑð÷üäðÐð¡ðÑð¨÷î ×ðøÈ¨î ¨÷î òÐðÚðÙðð÷ü ãð òãðòÐðÚðÙðð÷ü ¨÷î ¡üÃð±ðáÃð (×ðð÷Àá çÃðÜ çð÷ Ððóμð÷) ¨øîòÜÚðÜ ÑðÇ Ùð÷ü ¸ðèðü ãð÷¨øîòÜÚðÜ ÑðÇ ÑðÜ èøÈ, çãðó¨îðÚðáÃðð ¡ÐðôçððÜ âðð±ðõ Ñð÷üäðÐð ÚðòÇ ¨îð÷ýá èø, ÑßðÑÃð ¨îÜÐð÷ ¨÷î òâð¦ Ñððëð èøÈ.±ß÷μÚðõ¾ó¨îðÚðá¨îðâð¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î /£Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¨÷î ÞÑð Ùð÷ü çð÷ãðð ¨÷î ÑßÃÚð÷¨î ÑðõÂðá ò¨î¦ ãðæðá ¡Æðãðð: Ùððè çð÷ ¡òÏð¨î ¨îó çð÷ãðð ¨÷î òâ𦠡ðÏð÷ Ùððè ¨÷î ãð÷ÃðÐð ¨îó ÇÜ çð÷åó ãðó.Ñðó. äð÷¾þ¾ó - 1 Ùððμðá 2005 ¨îó ØððÜÃð çðܨîðÜ ¨îó ¡òÏðçðõμðÐðð ¦Òî çðü.8/4/2005-¡ðýá¦Òî.I ÎðÜð 3Ùððμðá 2005 çð÷ £Ðð¨îó ¡òÏðãðòæðáÃðð ¡ðÚðô Ãð¨î ¡Æðãðð ¡±ðâð÷ ¡ðÇ÷äð Ãð¨î, ¸ðð÷ Øðó Ñðèâð÷ èð÷, ¨÷î òâ𦠡ÏÚðêð¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ¨÷î ÞÑð Ùð÷ü òÐðÚðô©Ãð.åó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ - 14 Ùððμðá 2006 ¨îó ØððÜÃð çðܨîðÜ ¨îó ¡òÏðçðõμðÐðð ¦Òî çðü.8/13/2005-¡ðýá¦Òî.I ÎðÜð14 Ùððμðá 2006 çð÷ £Ðð¨îó ¡òÏðãðòæðáÃðð ¡ðÚðô Ãð¨î Úðð ¡±ðâð÷ ¡ðÇ÷äð Ãð¨î, ¸ðð÷ Øðó Ñðèâð÷ èð÷, ¨÷î òâ𦠣Ñð Ñß×ðüÏðòÐðÇ÷äð¨î ¨÷î ÞÑð Ùð÷ü òÐðÚðô©Ãð.åó ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð - 14 Ùððμðá 2006 ¨îó ØððÜÃð çðܨîðÜ ¨îó ¡òÏðçðõμðÐðð ¦Òî çðü.8/13/2005-¡ðýá¦Òî.IÎðÜð 14 Ùððμðá 2006 çð÷ £Ðð¨îó ¡òÏðãðòæðáÃðð ¡ðÚðô Ãð¨î Úðð ¡±ðâð÷ ¡ðÇ÷äð Ãð¨î, ¸ðð÷ Øðó Ñðèâð÷ èð÷, ¨÷î òâ𦠣ÑðÑß×ðüÏð òÐðÇ÷äð¨î ¨÷î ÞÑð Ùð÷ü òÐðÚðô©Ãð¨îðÚðá-òÐðæÑððÇÐð çðü×ðÊÑßð÷ÃçððèÐð/ç¾ðù¨î ¡ðùÑäðÐð×ðøÈ¨î ¨÷î ¡ÏÚðêð ¡ðøÜ ÑðõÂðá ¨îðòâð¨î òÐðÇ÷äð¨îð÷ü ¨îð÷ Ñßð÷ÃçððèÐð Üðòäð ¨îð Øðô±ðÃððÐð ¨îÜÐð÷ çð÷ çðü×ðüòÏðÃð çðܨîðÜ ¨÷îèðâð ¨÷î òÇäððòÐðÇ÷áäðð÷ü ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îð÷ü ¨îð÷¨îðÚðáòÐðæÑððÇÐð çðü×ðÊ Ñßð÷ÃçððèÐð Üðòäð Ùðü¸ðõÜ ¨îÜÐð÷ ¨÷î ×ððÜ÷ Ùð÷ü òÐðÂðáÚð âð÷Ðð÷ ¨÷î òâð¦ ×ðð÷Àá ¨îó ¦¨î ÑððòÜåòÙð¨îçðòÙðòÃð ¨îð ±ð¿Ðð ò¨îÚðð ±ðÚðð èø. ¦÷çðó Ñßð÷ÃçððèÐð Üðòäð ¨îó Ùðü¸ðõÜó ¨÷îÐÍ çðܨîðÜ ÎðÜð ýçð çðü×ðüÏð Ùð÷ü òãðòÐðòÇáæ¾çðóÙðð¡ð÷ü ¨÷î ¡ÏðóÐð Üè÷±ðó.26

¸ðð÷ò®ðÙð Ñß×ðüÏð çðòÙðòÃð31 Ùððμðá 2007 ¨îð÷ ¡ðÑð¨÷î ×ðøȨî Ùð÷ü è çðÇçÚðð÷ü ãððâðó ¸ðð÷ò®ðÙð Ñß×ðüÏðçðòÙðòÃð Æðó ò¸ðçðÙð÷ü ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î åó ãðó.Ñðó. äð÷¾þ¾ó ÃðÆððÇð÷Ððð÷ü £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î çðãðáåó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ, ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐðÃðÆðð òÐðÇ÷äð¨î çðãðáåó ¨÷î. ÐðÜòçðÙè ÙðõòÃðá, ¡Ððâð¸ðóÃð òçðüè ¡ðøÜ åóÙðÃðóâðóâðð òÒîÜð÷ºð ÑðõÐððãððâðð äððòÙðâð èøÈ. Úðè çðòÙðòÃð ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î¨îðÜð÷×ððÜ çð÷ ¸ðôÀÿó òãðòØðÐÐð ¸ðð÷ò®ðÙðð÷ü ¨îð ¡ð¨îâðÐð, £ÐðÙð÷ü ¨îÙðó âððÐð÷¡ðøÜ ¡ðòçÃð Ç÷ÚðÃðð ×ð÷Ùð÷âð çð÷ ¸ðôÀÿ÷ ÙðôÉð÷ü ¨îð Øðó çðÙððÏððÐð ¨îÜÃðó èø.¸ðð÷ò®ðÙð Ñß×ðüÏð çðòÙðòÃð ¨îó 1 ¡Ñßøâð 2006 çð÷ 31 Ùððμðá 2007 Ãð¨î ¨îó¡ãðòÏð ¨÷î ÇðøÜðÐð 4 ×ðø¿¨÷üî èôýáÈ, ¸ðð÷ 18 ¸ðôâððýá 2006, 27 òçðÃðü×ðÜ 2006,11 òÇçðü×ðÜ 2006 ÃðÆðð 24 Ùððμðá 2007 ¨îð÷ çðüÑðÐÐð èôýáÈ.äð÷ÚðÜÏððܨî/òÐðãð÷äð¨î òäð¨îðÚðÃð çðòÙðòÃð31 Ùððμðá 2007 ¨îð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨îó äð÷ÚðÜÏððܨî/òÐðãð÷äð¨î òäð¨îðÚðÃðçðòÙðòÃð (¦çð/¡ðýá¸ðóçðó) Ùð÷ü Çð÷ £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¡ðøÜ ÃðóÐð çãðÃðüëð±ðøÜ-¨îðÚðáÑððâð¨î òÐðÇ÷äð¨î çðòèÃð Ñððüμð çðÇçÚð Æð÷. åó ¡ðÜ.ãðó. ±ðôÑÃðð¦çð/¡ðýá¸ðóçðó ¨÷î ¡ÏÚðêð Æð÷ ÃðÆðð çðãðáåó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ, ò¸ðÃð÷üÇÜ×ððâð¨öîæÂðÐð, Çð÷Ððð÷ü £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î, ¦μð.¦âð. ¸ðôÃäðó ÃðÆðð ¨÷î.ÐðÜòçðÙè ÙðõòÃðá ¡ÐÚð çðÇçÚð Æð÷. 1 ¡Ñßøâð 2006 çð÷ 31 Ùððμðá 2007¨îó ¡ãðòÏð ¨÷î ÇðøÜðÐð ¦çð/¡ðýá¸ðóçðó ¨îó 4 ×ðø¿¨÷üî 24 Ùðýá 2006,19 ¡©Ãðõ×ðÜ 2006, 4 òÇçðü×ðÜ 2006 ÃðÆðð 24 Ùððμðá 2007 ¨îð÷ èôýáÈ.ýçð çðòÙðòÃð ¨îð ±ð¿Ðð äð÷ÚðÜð÷ü ¨îð ¡üÃðÜÂð, ãððòæðá¨î òÜÑðð÷¾á ÑßðÑÃð ÐðèóÈèð÷Ððð, ³ðð÷òæðÃð âððØððüäð ÑßðÑÃð ÐðèóÈ èð÷Ððð ¡ðòÇ ¸ðøçðó äð÷ÚðÜÏððܨîð÷ü ¦ãðüòÐðãð÷äð¨îð÷ü ¨îó òäð¨îðÚðÃðð÷ü ¨îð òÐðãððÜÂð ¨îÜÐð÷ ¨÷î òâð¦ ò¨îÚðð ±ðÚðð èø.ýçð¨÷î ¡âððãðð äð÷ÚðÜ ¡üÃðÜÂð ¨îó ÑßòªîÚðð ¨îð÷ äðó³ß ÑðõÜð ¨îÜÐð÷ ¨÷î òâð¦£Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð Ùðô®Úð Ùðèð Ñß×ðüÏð¨î ¨îó ¡ðüÃðòܨî çðòÙðòÃð ±ðò¿Ãð¨îó ±ðýá èø ¸ðð÷ ¡üÃðÜÂð ìððÑðÐð (¦Ùð¡ð÷¾ó) ¨îð çððÑÃððòè¨î ¡ðÏððÜ ÑðÜ¡ÐðôÙðð÷ÇÐð ¨îÜÃðó èø. ¡ðÑð¨÷î ×ðøȨî Ðð÷ åó ¦çð.¦Ðð. ×ððè÷Ãðó, ¨üîÑðÐðó çðòμðãð¨îð÷ Ùðô®Úð ¡ÐðôÑððâðÐð ¡òÏð¨îðÜó ×ðÐððÚðð èø.1 ¡Ñßøâð 2006 ¨îð÷ òÐðãððÜÂð ¨÷î òâð¦ òÐðãð÷äð¨îð÷ü ¨îó ¨îð÷ýá òäð¨îðÚðÃðâðüò×ðÃð ÐðèóÈ ÆðóÈ ¡ðøÜ 1 ¡Ñßøâð 2006 çð÷ 31 Ùððμðá 2007 ¨îó ¡ãðòÏð¨÷î ÇðøÜðÐð ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î Üò¸ðç¾àðÜ ¦ãðü ¾àðüçðÒîÜ ¦¸ð÷ü¾ð÷ü ¨îð÷äð÷ÚðÜÏððܨîð÷ü/òÐðãð÷äð¨îð÷ü çð÷ 51902 òäð¨îðÚðÃð÷ü ÑßðÑÃð èôýáÈ. ýÐðÙð÷ü51,737 òäð¨îðÚðÃðð÷ü ¨îð òÐðÑð¾ðÐð ¨îÜ òÇÚðð ±ðÚðð ¡ðøÜ 31 Ùððμðá2007 ¨îð÷ òÐðÑð¾ðÐð ¨÷î òâð¦ 165 òäð¨îðÚðÃð÷ü äð÷æð ÜèóÈ. 1 ¡Ñßøâð2006 ¨îð÷ äð÷ÚðÜð÷ü/×ððüÀð÷ü ¨÷î ¡üÃðÜÂð ¨÷î çðü×ðüÏð Ùð÷ü 125 ÙððÙðâð÷âðüò×ðÃð Æð÷. 1 ¡Ñßøâð 2006 çð÷ 31 Ùððμðá 2007 ¨îó ¡ãðòÏð ¨÷î ÇðøÜðÐð¡ðÑð¨÷î ×ðøÈ¨î ¨÷î Üò¸ðç¾àðÜ ¦ãðü ¾àðüçðÒîÜ ¦¸ð÷ü¾ð÷ü ¨îð÷ äð÷ÚðÜð÷ü/×ððüÀð÷ü ¨÷î¡üÃðÜÂð ¨÷î òâð¦ 10988 ¡ÐðôÜð÷Ïð ÑßðÑÃð èô¦. ýÐð ¡ÐðôÜð÷Ïðð÷ü ÑðܨîðÜáãððýá ¨îó ±ðýá ¡ðøÜ 31 Ùððμðá 2007 ¨îð÷ ¨ôî Øðó âðüò×ðÃð ÐðèóÈ Æðð.¨îðÚðáÑððâð¨î çðòÙðòÃð×ðð÷Àá ¨÷î ¡âððãðð ¡ðÑð¨÷î ×ðøȨî Ðð÷ ¨îðÚðáÑððâð¨î çðòÙðòÃð ¨îð÷ Øðó ¸ððÜóÜ®ðð ¸ðð÷ òãðòØðÐÐð ÐðóòÃð±ðÃð ÙððÙðâðð÷ü ¡ðøÜ ®ððçð ÃððøÜ ÑðÜ ¦÷çð÷ ÙððÙðâðð÷üò¸ðÐð ÑðÜ ×ðð÷Àá ÎðÜð òãðμððÜ ò¨îÚðð ¸ððÐðð ¡Ñð÷òêðÃð èø, ÑðÜ òãðμððÜ ¨îÜÃðóèø ¡ðøÜ ×ðð÷Àá ÎðÜð ýçð÷ ÑßÃÚððÚðð÷ò¸ðÃð ¡ÐÚð äðò©ÃðÚðð÷ü ¨îð ÑßÚðð÷±ð¨îÜÃðó èø. 31 Ùððμðá 2007 ¨îð÷ åó ãðó.Ñðó. äð÷¾þ¾ó, ¡ÏÚðêð ¦ãðü Ñß×ðüÏðòÐðÇ÷äð¨î ýçð çðòÙðòÃð ¨÷î ¡ÏÚðêð Æð÷ ¡ðøÜ çðãðáåó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ,ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð, Çð÷Ððð÷ü £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î, òãðÐðð÷Ç ÜðÚð, ¨÷î.ÐðÜòçðÙè ÙðõòÃðá, ¦μð.¦âð. ¸ðôÃäðó ¡ðøÜ ¦. äðò©Ãðãð÷âð ýçð¨÷î çðÇçÚðÆð÷. 1 ¡Ñßøâð 2006 çð÷ 31 Ùððμðá 2007 ¨îó ¡ãðòÏð ¨÷î ÇðøÜðÐð¨îðÚðáÑððâð¨î çðòÙðòÃð ¨îó 11 ×ðø¿¨÷üî èôýáÈ ¸ðð÷ 21 ¡Ñßøâð 2006, 24 Ùðýá2006, 23 ¸ðõÐð 2006, 19 ¸ðôâððýá 2006, 19 ¡±ðçÃð 2006, 27òçðÃðü×ðÜ 2006, 19 ¡©Ãðõ×ðÜ 2006, 4 òÇçðü×ðÜ 2006, 22 ¸ðÐðãðÜó2007, 21 ÒîÜãðÜó 2007 ¡ðøÜ 24 Ùððμðá 2007 ¨îð÷ çðüÑðÐÐð èôýáÈ.Ïðð÷®ððÏðÀÿó òÐð±ðÜðÐðó çðòÙðòÃð×ðøȨî Ùð÷ü Ïðð÷®ððÏðÀÿó çð÷ çðü×ðüòÏðÃð Ñðèâðô¡ð÷ü ¨îó ¸ððüμð ¨îÜÐð÷ ¨÷î òâ𦠦¨îÏðð÷®ððÏðÀÿó òÐð±ðÜðÐðó çðòÙðòÃð ±ðò¿Ãð ¨îó ±ðýá Æðó. 31 Ùððμðá 2007 ¨îð÷ åóãðó.Ñðó. äð÷¾þ¾ó, ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ýçð çðòÙðòÃð ¨÷î ¡ÏÚðêð Æð÷¡ðøÜ çðãðáåó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ, ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð, Çð÷Ððð÷ü £Ñð Ñß×ðüÏðòÐðÇ÷äð¨î, ¡ðÜ.ãðó. ±ðôÑÃðð, ¦. äðò©Ãðãð÷âð ÃðÆðð åóÙðÃðó âðóâðð òÒîÜð÷ºðÑðõÐððãððâðð ýçð¨÷î çðÇçÚð Æð÷. Ïðð÷®ððÏðÀÿó òÐð±ðÜðÐðó çðòÙðòÃð 24 Ùðýá 2005¨îð÷ ±ðò¿Ãð ¨îó ±ðýá Æðó ¡ðøÜ ãðæðá ¨÷î ÇðøÜðÐð ýçð çðòÙðòÃð ¨îó Çð÷ ×ðø¿¨÷üî27 òçðÃðü×ðÜ 2006 ¡ðøÜ 21 ÒîÜãðÜó 2007 ¨îð÷ çðüÑðÐÐð èôýáÈ.±ßðè¨î çð÷ãðð çðòÙðòÃðòܾ÷âð ×ðøÈò¨üî±ð ®ðüÀ Ùð÷ü ±ßðè¨îð÷ü ¨îó òäð¨îðÚðÃðð÷ü ¨÷î òÐðãððÜÂð¨îÜÐð÷ ¡ðøÜ ±ßðè¨îð÷ü ¨îð÷ ¨îðܱðÜ çð÷ãðð ÑßÇðÐð ¨îÜÐð÷ ÑðÜ ÏÚððÐð Ç÷Ðð÷¨÷î òâ𦠡ðÑð¨÷î ×ðøȨî ÎðÜð ¦¨î ±ßðè¨î çð÷ãðð çðòÙðòÃð ¨îð ±ð¿Ððò¨îÚðð ±ðÚðð Æðð. 31 Ùððμðá 2007 ¨îð÷ åó ãðó.Ñðó. äð÷¾þ¾ó, ¡ÏÚðêð¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ýçð çðòÙðòÃð ¨÷î ¡ÏÚðêð Æð÷ ¡ðøÜ çðãðáåó¡ð÷.ãðó. ×ðôÐÇ÷âðõ, ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð, Çð÷Ððð÷ü £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î,¦. äðò©Ãðãð÷âð ¡ðøÜ åóÙðÃðó âðóâðð òÒîÜð÷ºð ÑðõÐððãððâðð ýçð¨÷îçðÇçÚð Æð÷. ±ßðè¨î çð÷ãðð çðòÙðòÃð ¨îð ±ð¿Ðð 30 òçðÃðü×ðÜ 2005 ¨îð÷èô¡ð ¡ðøÜ ãðæðá ¨÷î ÇðøÜðÐð ýçð¨îó Çð÷ ×ðø¿¨÷üî 27 òçðÃðü×ðÜ 2006¡ðøÜ 24 Ùððμðá 2007 ¨îð÷ çðüÑðÐÐð èôýáÈ.çðõμðÐðð ÑßðøÌðð÷ò±ð¨îó çðòÙðòÃð¡ÑðÐð÷ ±ßðè¨îð÷ü ¨îð÷ òãðòØðÐÐð ÑߨîðÜ ¨îó çð÷ãðð¦ü ÑßÇðÐð ¨îÜÐð÷, Çöò澨îð÷Âð¨îð÷ ¨îðܱðÜ ×ðÐððÐð÷ Ùð÷ü çðèðÚðÃðð ¨îÜÐð÷, Úðð÷¸ðÐðð¦ü äðôÞ ¨îÜÐð÷ ¡ðøÜçð÷ãðð¡ð÷ü ¨îð ÑßðãðÏððÐð ¨îÜÐð÷ ¨÷î òâð¦ ÑßðøÌðð÷ò±ð¨îóÚð Ñâð÷¾ÒîðùÙðá çÆððòÑðÃð¨îÜÐð÷ è÷Ãðô ¡ðÑð¨÷î ×ðøȨî ÎðÜð ò¨îÚð÷ ±ðÚð÷ £ÑððÚðð÷ü ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷èô¦ ¡ðÑð¨÷î ×ðøȨî Ðð÷ çðõμðÐðð ÑßðøÌðð÷ò±ð¨îó çðòÙðòÃð ¨îð ±ð¿Ðð ò¨îÚðð. 31Ùððμðá 2007 ¨îð÷ åó ãðó.Ñðó. äð÷¾þ¾ó, ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î ýçðçðòÙðòÃð ¨÷î ¡ÏÚðêð Æð÷ ¡ðøÜ çðãðáåó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ, ò¸ðÃð÷üÇÜ×ððâð¨öîæÂðÐð, Çð÷Ððð÷ü £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î, ¦μð.¦âð. ¸ðôÃäðó ¡ðøÜ åóÙðÃðóâðóâðð òÒîÜð÷ºð ÑðõÐððãððâðð ýçð¨÷î çðÇçÚð Æð÷. çðõμðÐðð ÑßðøÌðð÷ò±ð¨îó çðòÙðòÃð27

4 Ùððμðá 2006 ¨îð÷ ±ðò¿Ãð ¨îó ±ðýá Æðó ¡ðøÜ ãðæðá ¨÷î ÇðøÜðÐð ýçð¨îó ¡ðμððÜ çðüòèÃðð ¨îð ¡ÐðôÑððâðÐð×ðø¿¨î 24 Ùððμðá 2007 ¨îð÷ çðüÑðÐÐð èôýá.òÐðÇ÷äð¨î ÙðüÀâð Ðð÷ ×ðøÈ¨î ¨÷î òÐðÇ÷äð¨îð÷ü, ¡òÏð¨îðòÜÚðð÷ü ÃðÆðð ¨îÙðáμððòÜÚðð÷üÙðèð çðØðð ¨îó ×ðø¿¨÷üî¨÷î òâ𦠡ðμððÜ çðüòèÃðð ÃðÆðð çðÇðμððÜ ¡ÐðôÙðð÷òÇÃð ò¨îÚðð èø. çðõμðó×ðÊÃðð¨îÜðÜ ¨÷î çðüäðð÷òÏðÃð ®ðüÀ 49 ¨îó ¡Ñð÷êðð¡ð÷ü ¨÷î ¡ÐðôÑððâðÐð Ùð÷ü, ¡ðÑð¨÷î¡ðÑð¨÷î ×ðøÈ¨î ¨îó òÑðâðó ãððòæðá¨î ÙðèðçðØðð (¦¸ðó¦Ùð) 19 ¸ðôâððýá×ðøÈ¨î ¨÷î òÐðÇ÷äð¨î ÙðüÀâð ¨÷î çðÇçÚðð÷ü ¡ðøÜ ãðòÜæ¿ Ñß×ðüÏð¨îð÷ü ÎðÜð ¡ðμððÜ2006 ¨îð÷ çðüÑðÐÐð èôýá Æðó. ãððòæðá¨î ÙðèðçðØðð¡ð÷ü/¡çððÏððÜÂð ÙðèðçðØððçðüòèÃðð ¨÷î ¡ÐðôÑððâðÐð ¨îó Ñðôòæ¾ ¨÷î ×ððÜ÷ Ùð÷ü ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨î¨îð òãðãðÜÂð Ãððòâð¨îð 9 Ùð÷ü òÇÚðð ±ðÚðð èø.ÎðÜð èçÃððêðòÜÃð ³ðð÷æðÂðð Ððóμð÷ Çó ±ðýá èø.Ñߨî¾ÐðÙðô®Úð ¨îðÚðáÑððâð¨î ¡òÏð¨îðÜó ÎðÜð ³ðð÷æðÂðð1 ¡Ñßøâð 2006 - 31 Ùððμðá 2007 ¨÷î ÇðøÜðÐð ¦÷çðó ò¨îçðó Øðó ¨üîÑðÐðó¨îð÷ çðèðÚðÃðð ÑßÇðÐð ÐðèóÈ ¨îó ±ðýá ò¸ðçðÙð÷ü ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ò¨îçðó çðõμðó×ðÊÃðð ¨îÜðÜ ¨÷î ®ðüÀ 49 ¨÷î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçðÜÂð Ùð÷ü,òÐðÇ÷äð¨î ¨îó òèÃð×ðÊÃðð Æðó.çðØðó çðü×ðüòÏðÃð ãÚðò©ÃðÚðð÷ü ¨îó ¸ððÐð¨îðÜó ¨÷î òâ𦠦ÃðÇþÎðÜð¡ðÑð¨÷î ×ðøȨî Ðð÷ çðõμðó×ðÊÃðð ¨îÜðÜ ¨÷î çðüäðð÷òÏðÃð ®ðüÀ 49 ¨îó ¡òÐðãððÚðá ³ðð÷æðÂðð ¨îó ¸ððÃðó èø ò¨î òãðÄðóÚð ãðæðá 2006-07 Ùð÷ü ¡ðýáÀó×ðó¡ðýá¡Ñð÷êðð¡ð÷ü ¨îð ÑððâðÐð ò¨îÚðð èø ¡ðøÜ Úðè ±ðøÜ-¡òÐðãððÚðá ¡Ñð÷êðð¡ð÷ü ¨îð÷ òâð. ¨÷î òÐðÇ÷äð¨î ÙðüÀâð ¨÷î çðØðó çðÇçÚðð÷ü ¡ðøÜ ãðòÜæ¿ Ñß×ðüÏðÐðØðó ¡ÑðÐððÐð÷ ¨îó ÑßòªîÚðð Ùð÷ü èø. ¸ðèðü Ãð¨î ±ðÃð ÃðóÐð ãðæðð÷áÈ ¨÷î ÇðøÜðÐð ±ðøÜ- ¨îðòÙðá¨îð÷ü Ðð÷ ¡ðýáÀó×ðó¡ðýá òâð. ¨÷î òÐðÇ÷äð¨îð÷ü, ¡òÏð¨îðòÜÚðð÷ü¡ÐðôÑððâðÐð/ÇüÀ ¡ðòÇ ¨î÷ ×ÚððøÜ÷ ¨îð çðü×ðüÏð èø, ¡ÑðÐð÷ ±ßðè¨î ¨îð÷ ¸ððòÐð¦ ÃðÆðð ¨îÙðáμððòÜÚðð÷ü ¨÷î òâð¦ òÐðÏððáòÜÃð ¡ðμððÜ çðüòèÃðð ¨î÷î(¨÷îãððýáçðó) ÃðÆðð ¡ðýáÑðó¡ð÷ òãðÃÃðÑðð÷æðÂð çð÷ çðü×ðüòÏðÃð ÙððÐðÇüÀð÷ü ¨îð ¡ÐðôÑððâðÐð ¨îó Ñðôòæ¾ ¨îó èø.ÑððâðÐð Ðð ¨îÜÐð÷ ¨÷î ¨îðÜÂð òãðÃÃðóÚð ãðæðá 2005-06 ÃðÆðð 2006-07 Ùð÷üØððÜÃðóÚð òܺðãðá ×ðøȨî ÎðÜð Ñððüμð-Ñððüμð âðð®ð ÝÑðÚð÷ ¨îð ÇüÀ âð±ððÚðð ±ðÚððè./-Æðð. ÃðÆððòÑð 2004-05 Ùð÷ü ¨îð÷ýá ÇüÀ ÐðèóÈ âð±ððÚðð ±ðÚðð Æðð. ¡ðÑð¨÷î ×ðøȨî(ãðó.Ñðó. äð÷¾þ¾ó)Ðð÷ ¦¨î òãðçðâð ×âðð÷¡Ü ÑßÂððâðó çÆððòÑðÃð ¨îó èø ¡ðøÜ Úðè òÐðÇ÷äð¨îð÷ü ¨÷îòâð¦ ÑßòäðêðÂð ¡ðøÜ ±ðøÜ-¨îðÚðáÑððâð¨î òÐðÇ÷äð¨îð÷ü ¨÷î ÙðõâÚððü¨îÐð ¨÷î¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îçððÆð-çððÆð çðõμðó×ðÊÃðð ¨îÜðÜ ¨÷î çðüäðð÷òÏðÃð ®ðÈÀ 49 ¨îó ¡ÐÚð ±ðøÜ-3 ¡Ñßøâð 2007¡òÐðãððÚðá ¡Ñð÷êðð¡ð÷ü ¨îð÷ Øðó ¡ÑðÐððÐð÷ ÑðÜ òãðμððÜ ¨îÜ Üèð èø.Ãððòâð¨îð 9 : ãððòæðá¨î ÙðèðçðØðð¡ð÷ü / ¡çððÏððÜÂð ÙðèðçðØðð ¨îð òãðãðÜÂð±ðÃð ãððòæðá¨î ÙðèðçðØðð¡ð÷ü ¡ðøÜ ¡çððÏððÜÂð ÙðèðçðØðð ¨÷î¡ðÚðð÷¸ðÐð ¨îð çÆððÐð, òÃðòÆð ãð çðÙðÚð©Úðð ±ðÃð ãððòæðá¨î ÙðèðçðØðð Ùð÷ü ¨îð÷ýá òãðäð÷æð çðü¨îâÑð ÑððòÜÃðò¨îÚð÷ ±ðÚð÷ Æð÷.©Úðð ¨îð÷ýá òãðäð÷æð çðü¨îâÑð Àð¨î ÙðÃðÑðëð ¨÷î ÙððÏÚðÙð çð÷ ÑððòÜÃð¨îÜÐð÷ ¨îð ÑßçÃððãð èø©Úðð òÑðâð÷ ãðæðá Àð¨î ÙðÃðÑðëðð÷ü ¨÷î ¸ðòܦ òãðäð÷æð çðü¨îâÑðÑßçÃðôÃð ò¨îÚð÷ ±ðÚð÷ Æð÷ ÃðÆðð ÙðÃðÇðÐð ÑðÊòÃð ¨îð ×ÚððøÜðãÚðò©Ãð ò¸ðçðÐð÷ Àð¨î ÙðÃðÇðÐð ¨÷î ¨îðÙð ¨îð÷ çðüμððòâðÃð ò¨îÚððÀð¨î ÙðÃðÇðÐð è÷Ãðô ÑßòªîÚðð1) 23 ÒîÜãðÜó 2005 ¨îð÷ ¡ÑðÜðéÐð 3.00 ×ð¸ð÷ Ðð÷èÞ çð÷Ð¾Ü ¡ðùòÀ¾ð÷òÜÚðÙð, ãðÜâðó,Ùðôü×ðýá-400 018 (¡çððÏððÜÂð ÙðèðçðØðð)2) 18 ¡±ðçÃð 2005 ¨îð÷ ¡ÑðÜðéÐð 3.30 ×ð¸ð÷ Ðð÷èÞ çð÷Ð¾Ü ¡ðùòÀ¾ð÷òÜÚðÙð, ãðÜâðó,Ùðôü×ðýá-400 018 (Ñðèâðó ãððòæðá¨î ÙðèðçðØðð)3) 19 ¸ðôâððýá 2006 ¨îð÷ ¡ÑðÜðéÐð 3.30 ×ð¸ð÷ Ðð÷èÞ çð÷Ð¾Ü ¡ðùòÀ¾ð÷òÜÚðÙð, ãðÜâðó,Ùðôü×ðýá-400 018 (ÇõçðÜó ãððòæðá¨î ÙðèðçðØðð)èðü, 19 ¸ðôâððýá 2006 ¨îð÷ çðüÑðÐÐð ×ðøÈ¨î ¨îó òÑðâðó ãððòæðá¨î ÙðèðçðØðð Ùð÷ü ¨üîÑðÐðó¡òÏðòÐðÚðÙð, 1956 ¨îó ÏððÜð 224 ¦ ¨÷î ¡üÃð±ðáÃð çððüòãðòÏð¨î âð÷®ðð ÑðÜóêð¨îð÷ü ¨îóòÐðÚðôò©Ãð è÷Ãðô òãðäð÷æð çðü¨îâÑð ÑððòÜÃð ò¨îÚðð ±ðÚðð Æðð.ÐðèóÈ.ÐðèóÈ.âðð±ðõ ÐðèóÈâðð±ðõ ÐðèóÈ28

çðõμðÐðð ¨÷î çððÏðÐð¡ðÑð¨÷î ×ðøü¨î ¨÷î ¨îðÙð¨îð¸ð ÑðÜ òãðçÃðöÃð ãððòæðá¨î òÜÑðð÷¾á, ò¸ðçðÙð÷ü òÐðÇ÷äð¨îð÷ü¨îó òÜÑðð÷¾á (ò¸ðçðÙð÷ü Ñß×ðüÏð òãðãð÷μðÐðð ¦ãðü òãðäâð÷æðÂð èð÷Ãðð èø) ¡ðøÜãððòæðá¨î âð÷®ð÷ äððòÙðâð èøÈ, £Ñðâð×Ïð ¨îÜðÐð÷ ¨÷î ¡âððãðð ¡ðÑð¨îð ×ðøȨîäð÷ÚðÜÏððܨîð÷ü ¨îó ¸ððÐð¨îðÜó ¨÷î òâð¦ òÃðÙððèó ¨îðÚðá-ÑðòÜÂððÙðð÷ü ¨îð÷Üðæ¾àãÚððÑðó ÑßçððÜ ãððâð÷ ¦¨î ¡ü±ß÷¸ðó çðÙððμððÜ Ñðëð Ùð÷ü ¡ðøÜ ¦¨î êð÷ëðóÚðØððæðð ¨÷î çðÙððμððÜ Ñðëð Ùð÷ü òÐðÚðòÙðÃð ÞÑð çð÷ ÑߨîðòäðÃð ¨îÜÃðð èø. £ÑðÚðôá©Ãð¸ððÐð¨îðÜó ¨îðÚððáâðÚðóÐð Ñß÷çð òãðìðòÑÃðÚðð÷ü ÃðÆðð çðüçÆðð±ðÃð òÐðãð÷äð¨îð÷ü¡ðøÜ òãðäâð÷æð¨îð÷ü ¨÷î çðÙðêð ¨îó ±ðýá ÑßçÃðôòÃðÚðð÷ü ¨÷î çððÆð ¡ðÑð¨÷î ×ðøȨî¨îó ãð÷×ðçððý¾ (www.idbi.com) ÑðÜ Øðó £Ñðâð×Ïð ¨îÜðýá ±ðýá Æðó.¦÷çð÷ ÇçÃððãð÷¸ð, ¸ðð÷ ãðòÂðáÃð èøÈ âð÷ò¨îÐð ÙðèðçðØðð ¨îó çðõμðÐðð ÑððÐð÷ ¨÷îÑððëð ãÚðò©ÃðÚðð÷ü ¨îð÷ ÐðèóÈ Øð÷¸ð÷ ±ðÚð÷ èøÈ, ãððòæðá¨î ÙðèðçðØðð ¨îó ÃððÜó®ðçð÷ 21 òÇÐð Ñðèâð÷ çð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î Ñðü¸ðó¨öîÃð ¨îðÚððáâðÚð Ùð÷ü ¨îðÚðáçðÙðÚð ¨÷î ÇðøÜðÐð äð÷ÚðÜÏððܨîð÷ü ¨÷î òÐðÜóêðÂð ¨÷î òâ𦠣Ñðâð×Ïð Üè÷ü±ð÷.¡ðÙð äð÷ÚðÜÏððܨîð÷ü ¨î÷ òâð¦ çðõμðÐðð1 ¡Ñßøâð 2006 - 31 Ùððμðá 2007 ¨÷î ÇðøÜðÐð äð÷ÚðÜ ÙðõâÚð Ùð÷ü £ÃððÜμðÁÿðãðÃðÆðð äð÷ÚðÜÏððܨîð÷ü çð÷ çðü×ðüòÏðÃð ¡ÐÚð çððÙððÐÚð çðõμðÐðð¡ð÷ü ¨îð×ÚððøÜð ªîÙðäð: Ü÷®ððòμðëð 6, Ãððòâð¨îð 10 ¦ãðü Ãððòâð¨îð 11 Ùð÷üòÇÚðð ±ðÚðð èø.Ãððòâð¨îð 10: ×ðü×ðýá ç¾ðù¨î ¦©çðμð÷ü¸ð òâð. (×ðó¦çðýá) Ùð÷ü ¡ðýáÀó×ðó¡ðýá òâð.¨÷î äð÷ÚðÜ ÙðõâÚð Ùð÷ü £ÃððÜ-μðÁÿðãð : ¡Ñßøâð 2006 - Ùððμðá 2007(ÝÑðÚð÷)Ùððè £μμð òÐðÙÐð¡Ñßøâð-06 89.85 79.85Ùðýá-06 95.65 68.90¸ðõÐð-06 67.55 49.90¸ðôâððýá-06 58.45 49.20¡±ðçÃð-06 66.05 54.85òçðÃðü×ðÜ-06 82.70 62.15Ùððè £μμð òÐðÙÐð¡©Ãðõ×ðÜ-06 87.00 78.40Ððãðü×ðÜ-06 82.55 73.85òÇçðü×ðÜ-06 84.65 72.45¸ðÐðãðÜó-07 102.85 75.40ÒîÜãðÜó-07 107.60 80.55Ùððμðá-07 81.70 67.65Ü÷®ððòμðëð 6 : ¡ðýáÀó×ðó¡ðýá òâð. ¨îð äð÷ÚðÜ ÙðõâÚð (Ý.) ¡ðøÜ ×ðó¦çðýá çðõμð¨îðü¨î ¡Ñßøâð 2006 - Ùððμðá 200729

Ãððòâð¨îð 11 : ¡ðÙð äð÷ÚðÜÏððܨîð÷ü ¨÷î òâð¦ çðõμðÐððòãðÄðóÚð ¨øîâð÷üÀÜ 1 ¡Ñßøâð 2006 çð÷ 31Ùððμðá 2007 Ãð¨î òÐðÙÐððÐðôçððÜ èø -1) 30 ¸ðõÐð 2006 ¨îð÷ çðÙððÑÃð òÃðÙððèó ¨÷î ÑðòÜÂððÙðð÷ü ÑðÜ 19 ¸ðôâððýá 2006 ¨îð÷òãðμððÜ ò¨îÚðð ±ðÚðð2) 30 òçðÃðü×ðÜ 2006 ¨îð÷ çðÙððÑÃð òÃðÙððèó/Ùððèó ¨÷î ÑðòÜÂððÙðð÷ü ÑðÜ 19 ¡©Ãðõ×ðÜ2006 ¨îð÷ òãðμððÜ ò¨îÚðð ±ðÚðð3) 31 òÇçðü×ðÜ 2006 ¨îð÷ çðÙððÑÃð ÃðóçðÜó òÃðÙððèó / ÐððøÙððèó ¨÷î ÑðòÜÂððÙðð÷ü ÑðÜ 22¸ðÐðãðÜó 2007 ¨îð÷ òãðμððÜ ò¨îÚðð ±ðÚðð4) 31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð òãðÄðóÚð ãðæðá ¨÷î âð÷®ðð ÑðÜóòêðÃð ÑðòÜÂððÙðð÷ü ÑðÜ20 ¡Ñßøâð 2007 ¨îð÷ òãðμððÜ ò¨îÚðð ±ðÚðð×ðô¨î ©âðð÷¸ðÜ ¨îó ÃððÜó®ð 18 ¸ðõÐð çð÷ 22 ¸ðõÐð 2007âððØððüäð ¨÷î òâð¦ òܨîðùÀá ÃððÜó®ð 22 ¸ðõÐð 2007Ñßðù©çðó ÒîðùÙðá ÑßðÑÃð èð÷Ðð÷ ¨îó ¡üòÃðÙð ÃððÜó®ð 20 ¸ðõÐð 2007ãððòæðá¨î ÙðèðçðØðð ¨îó ÃððÜó®ð, çðÙðÚð ãð çÆððÐðâððØððüäð Øðô±ðÃððÐð ¨îó ÃððÜó®ðâððØððüäð ãððÜü¾ Ñß÷æðÂð ¨îó çðüØððòãðÃð ÃððÜó®ðòÃðÙððèó ÑðòÜÂððÙðð÷ü ÑðÜ òãðμððÜ ¨îÜÐð÷ ¨÷î òâð¦ ×ðð÷Àá ¨îó ×ðø¿¨ç¾ðù¨î ¦©çðμð÷ü¸ðð÷ü Ùð÷ü çðõμðó×ðÊÃððç¾ðù¨î ¨îð÷À/ÑßÃðó¨îÜò¸ðç¾àðÜ ¦ãðü ¾àðçðüÒîÜ ¦¸ð÷ü¾äð÷ÚðÜ ¡üÃðÜÂð ÑßÂððâðó±ðøÜ-¨îðÚðáÑððâð¨î òÐðÇ÷äð¨îð÷ü ÎðÜð ÏððòÜÃð äð÷ÚðÜð÷üÃðÆðð ÑðòÜãðÃðáÐðóÚð òâð®ðÃðð÷ü ¨îó çðü®Úðð22 ¸ðõÐð 2007, ¡ÑðÜðéþÐð 3.30 ×ð¸ð÷, Ðð÷èÞ çð÷ü¾Ü ¡ðùòÀ¾ð÷òÜÚðÙð, ãðÜâðó,Ùðôü×ðýá-400 01820 ¸ðôâððýá 2007 Ãð¨î15 ¸ðôâððýá 2007 Ãð¨îçðü×ðüòÏðÃð òÃðÙððèó ¨îó çðÙððòÑÃð çð÷ ¦¨î Ùððè ¨÷î ØðóÃðÜ×ðü×ðýá ç¾ðù¨î ¦©çðμð÷ü¸ð òâð. (×ðó¦çðýá) ¡ðøÜ Ðð÷äðÐðâð ç¾ðù¨î ¦©çðμð÷ü¸ð ¡ðùÒîýüòÀÚðð òâð. (¦Ðð¦çðýá)×ðó¦çðýá - 116, ¦Ðð¦çðýá - ýá©Úðõ - ¡ðýáÀó×ðó¡ðýá¨îðãðóá ¨îÙÑÚðõ¾Üäð÷ÚðÜ Ñßð. òâðòÙð¾÷À (30 ¡Ñßøâð 2007 Ãð¨î),ýÐãð÷ç¾Ü çðòãðáçð÷¸ð ¡ðùÒî ýüòÀÚðð òâð. (30 ¡Ñßøâð 2007 çð÷)äð÷ÚðÜð÷ü ¨÷î ¡üÃðÜÂð ¨îð ¡ÐðôÙðð÷ÇÐð £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ÃðÆðð Ùðô®Úð Ùðèð Ñß×ðüÏð¨îãððâðó ¦¨î ¡ðüÃðòܨî çðòÙðòÃð ÎðÜð çððÑÃððòè¨î ¡ðÏððÜ ÑðÜ ò¨îÚðð ¸ððÃðð èø.äðõÐÚð30

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Ãððòâð¨îð 17 : ¡ðýáÀó×ðó¡ðýá èð÷ÙðÒîðýÐðøüçð òâð. - çðüòêðÑÃð ÃðôâðÐð Ñðëð(¨îÜð÷Àÿ ÝÑðÚð÷)ÚðÆðð 31 Ùððμðá 2006 2007μðô¨îÃðð Ñðõü¸ðó 109.98 129.98òܺðãðá ¡ðøÜ ¡òÏðäð÷æð 16.97 30.26£ÏððÜ ÜðòäðÚððü 1560.82 2157.16¨ôîâð Ç÷ÚðÃðð¦ü 1687.77 2317.40¥Âð 1516.93 2146.95òÐðãðâð ¡μðâð ¡ðòçÃðÚððü 5.60 5.41¡ðçÆðò±ðÃð ¨îÜ ¡ðòçÃð 0.88 2.12òÐðãðâð μððâðõ ¡ðòçÃðÚððü 164.31 162.89òãðòãðÏð ãÚðÚð 0.05 0.03¨ôîâð ¡ðòçÃðÚððü 1687.77 2317.40Ãððòâð¨îð 18: ¡ðýáÀó×ðó¡ðýá èð÷ÙðÒîðýÐðøüçð òâð. - çðüòêðÑÃð âððØð - èðòÐð ®ððÃðð(¨îÜð÷Àÿ ÝÑðÚð÷)31 Ùððμðá ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î òâð¦ 2006 2007×Úðð¸ð ¡ðÚð 100.44 169.62×Úðð¸ð ãÚðÚð 71.51 132.09òÐðãðâð ×Úðð¸ð ¡ðÚð 28.93 37.53Òîóçð ãð ¡ÐÚð ¡ðÚð 9.38 16.58¨ôîâð ¡ðÚð 38.31 54.11¨ôîâð ãÚðÚð 18.12 21.09ÑßðãðÏððÐð 1.65 3.40¨îÜ-Ñðõãðá âððØð/(èðòÐð) 18.54 29.62¨îÜ-ÑðäμððÃðþ âððØð/(èðòÐð) 14.43 23.12200 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îÜ Çó ±ðÚðó èø. ãðæðá ¨÷î ÇðøÜðÐð ¡ðýá¦μð¦Òî¦âð¨÷î ×ð¨îðÚðð ¥Âð Ñðð÷¾áÒîð÷òâðÚðð÷ Ùð÷ü 630 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îó ãðöòÊ èôýá¡ðøÜ Úðè 1517 ¨îÜð÷Àÿ ÝÑðÚð÷ çð÷ ×ðÁÿ¨îÜ 2147 ¨îÜð÷Àÿ ÝÑðÚð÷ èð÷±ðÚðð. ýçð ÃðÜè ýçðÙð÷ü 42% ¨îó ãðöòÊ Ç¸ðá èôýá èø.¡ðýáÀó×ðó¡ðýá èð÷ÙðÒîðýÐðøÈçð òâð. ¨îð çðüòêðÑÃð ÃðôâðÐðÑðëð ÃðÆðð âððØð-èðòÐðâð÷®ðð Ãððòâð¨îð 17 ¡ðøÜ 18 Ùð÷ü òÇÚðð ±ðÚðð èø. ýçð çðü×ðüÏð Ùð÷ü âð÷®ððÑðÜóêð¨î ¨îó òÜÑðð÷¾á ÑðòÜòäðæ¾ II Ùð÷ü Çó ±ðÚðó èø.31 Ùððμðá 2007 ¨îð÷ ¡ðýá¦μð¦Òî¦âð ¨îð Ñðõü¸ðó ÑðÚððáÑÃðÃðð ¡ÐðôÑððÃð13.92% Æðð ¸ð×ðò¨î ýçð¨îð ¥Âð-ýò©ãð¾ó ¡ÐðôÑððÃð 13.69:1 Üèð.òÐðãðâð ¦ÐðÑðó¦ 31 Ùððμðá 2006 ¨÷î 1.0% ¨îó ÃðôâðÐðð Ùð÷ü 31 Ùððμðá 2007¨îð÷ 0.31% ³ð¾¨îÜ 0.69% Üè ±ðÚðð.¡ðýáÀó×ðó¡ðýá ýü¾÷¨î òâð.¡ðýáÀó×ðó¡ðýá ýü¾÷÷¨î òâð. (¡ðýá¡ðýá¦âð) ¨îó çÆððÑðÐðð çðõμðÐððÑßðøÌðð÷ò±ð¨îó êð÷ëð çð÷ çðü×ðüòÏðÃð ¨îðÚðá ¨îÜÐð÷ è÷Ãðô Ùððμðá 2000 Ùð÷ü ¡ðÑð¨÷î ×ðøȨîÎðÜð ÑðõÂðá çãððòÙðÃãð ãððâðó ¦¨î çðèðÚð¨î çðüçÆðð ¨÷î ÞÑð Ùð÷ü ¨îó ±ðÚðó Æðó.¡ðýáÀó×ðó¡ðýá òâð. ¨÷î ãððòÂðò¸Úð¨î ×ðøÈ¨î ¨÷î ÞÑð Ùð÷ü çðüÑðòÜãðÃðáÐð ¡ðøÜ ×ððÇÙð÷ü, ÑðõãðáãðÃðóá ¡ðýáÀó×ðó¡ðýá ×ðøȨî òâð. ¨÷î ýçðÙð÷ü òãðâðÚð ¨÷î ÒîâðçãðÞÑð,¡ðýá¡ðýá¦âð ¨÷î ÑðòÜμððâðÐð ÇðÚðÜ÷ ¨îð÷ ¡ðýáÀó×ðó¡ðýá òâð. ÃðÆðð ýçð¨îóçðÙðõè ¨üîÑðòÐðÚðð÷ü ¨îó ¡ðýá¾ó ¸ðÞÜÃðð÷ü ¨îð÷ ÑðõÜð ¨îÜÐð÷ ¨÷î òâð¦ ×ðÁÿðÚðð ±ðÚðð.çðÙðóêððÏðóÐð ãðæðá ¨÷î ÇðøÜðÐð ¡ðýá¡ðýá¦âð Ðð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î çððÆ𠦨îçðâððè¨îðÜó ÃðÆðð ÑðÜðÙðäðóá ¨îÜðÜ ÑðÜ èçÃððêðÜ ò¨îÚð÷ ¡ðøÜ ýçð÷ òÒîÐðø¨îâð¨÷î çððÆð ¾óçðó-4 (ÑðõãðáãðÃðóá òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð. ÎðÜð ÑßÚðô©Ãð¨îð÷Ü ×ðøÈò¨üî±ð çðð÷âÚðõäðÐð) ¨÷î ¡ðÌðð÷ÑððüÃð òçðç¾Ù𠦨îó¨îÜÂð ¨÷î òâð¦¡ðÑð¨÷î ×ðøȨî çð÷ ¦¨î òÐðÚðÃð ¨îðÚðá Øðó òÙðâðð. ãðæðá ¨÷î ÇðøÜðÐð ¡ðýá¡ðýá¦âðÐð÷ ¡ðýá¾ó ÃðÆðð çððùÓ¾ãð÷ÚðÜ çð÷ãðð¡ð÷ü çð÷ ¨ôîâð 7.68 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îó ¡ðÚðǸðá ¨îó èø.¡ðýáÀó×ðó¡ðýá ýü¾÷¨î òâð. ¨îð çðüòêðÑÃð ÃðôâðÐðÑðëð ÃðÆðð âððØð-èðòÐð âð÷®ððªîÙðäð: Ãððòâð¨îð 19 ¡ðøÜ 20 Ùð÷ü òÇÚðð ±ðÚðð èø. ýçð çðü×ðüÏð Ùð÷ü âð÷®ððÑðÜóêð¨î ¨îó òÜÑðð÷¾á ÑðòÜòäðæ¾ III Ùð÷ü Çó ±ðÚðó èø.34

Ãððòâð¨îð 19 : ¡ðýáÀó×ðó¡ðýá ýü¾÷¨î òâð. - çðüòêðÑÃð ÃðôâðÐð Ñðëð(¨îÜð÷Àÿ ÝÑðÚð÷)ÚðÆðð 31 Ùððμðá 2006 2007μðô¨îÃðð Ñðõü¸ðó 13.13 13.13çðüòμðÃð èðòÐð ÜðòäðÚððü 11.06 4.81μððâðõ Ç÷ÚðÃðð¦ü ÃðÆðð ÑßðãðÏððÐð 0.46 2.63¨ôîâð Ç÷ÚðÃðð¦ü 2.53 10.95¨ôîâð ¡ðòçÃðÚððü 2.53 10.95Ãððòâð¨îð 20: ¡ðýáÀó×ðó¡ðýá ýü¾÷¨î òâð. - çðüòêðÑÃð âððØð - èðòÐð ®ððÃðð(¨îÜð÷Àÿ ÝÑðÚð÷)31 Ùððμðá ¨îð÷ çðÙððÑÃð ãðæðá Ùð÷ü 2006 2007¨ôîâð ¡ðÚð 0.27 7.68¨ôîâð ãÚðÚð 4.13 3.24¨îÜ-Ñðõãðá âððØð/(èðòÐð) (3.86) 4.44¨îÜ-ÑðäμððÃðþ âððØð/(èðòÐð) (3.81) 6.55¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð.¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð. ¨îó çÆððÑðÐðð ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ÑðõÂðáçãððòÙðÃãðãððâðó çðèðÚð¨î çðüçÆðð ¨÷î ÞÑð Ùð÷ü ÑßðýÙðÜó ÀóâðÜòäðÑð (ÑðóÀó)¨îðÜð÷×ððÜ ¨îÜÐð÷ ¨÷î òâ𦠨îó ±ðÚðó Æðó. ýçð¨îó ÑßðòÏð¨öîÃð Ñðõü¸ðó 200¨îÜð÷Àÿ ÝÑðÚð÷ èø. Úðè ¨üîÑðÐðó òÇçðü×ðÜ 2006 Ùð÷ü ¡ðÜüØð ¨îó ±ðÚðó ¡ðøÜýçð÷ ¨îðÜð÷×ððÜ ¡ðÜüØð ¨îÜÐð÷ ¨îð ÑßÙððÂðÑðëð ÒîÜãðÜó 2007 Ùð÷ü ÑßðÑÃðèô¡ð. ¡ðýáÀó×ðó¡ðýá ¨øîòÑð¾âð Ùðð¨÷áî¾ çðòãðáçð÷ºð òâð. (¡ðýáçðó¦Ùð¦çð)çð÷ ÑðóÀó ¨îðÜð÷×ððÜ ¨îð÷ ¡âð±ð ¨îÜ ¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð. ¨îð÷¡üÃðòÜÃð ò¨îÚðð ¸ðð¦±ðð. Úðè ¨üîÑðÐðó ×ððüÀ ¾à÷òÀü±ð, çðܨîðÜó òÇÐððüò¨îÃðÃððòâð¨îð 21 : ¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâðòÙð¾÷À- çðüòêðÑÃð ÃðôâðÐð ÑðëðÑßòÃðØðõòÃðÚðð÷ü ¡ðøÜ ¾à÷¸ðÜó ò×ðâðð÷ü ¨÷î ÑßðÆðòÙð¨î òÐð±ðáÙðð÷ü ¨îó ÐðóâððòÙðÚðð÷üÙð÷ü èðÙðóÇðÜó çðü×ðüÏðó ¨îðÚðð÷áÈ ÑðÜ ¡ÑðÐðð ÏÚððÐð ¨÷üîòÍÃð ¨îÜ÷±ðó. çððÆðèó, Úðè ¨üîÑðÐðó ×Úðð¸ð ÇÜ ¡ðøÜ ¥Âð À÷Ü÷ãð÷ò¾ãð ×ðð¸ððÜ Ùð÷ü Øðó ÑßÙðô®ðØðõòÙð¨îð òÐðØððÚð÷±ðó. ¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð. ¨îð çðüòêðÑÃð ÃðôâðÐð-Ñðëð Ãððòâð¨îð 21 Ùð÷ü òÇÚðð ±ðÚðð èø. μðõüò¨î ¨üîÑðÐðó Ðð÷ òãðÄðóÚð ãðæðá2006-07 ¨÷î ÇðøÜðÐð ¡ÑðÐðð ¨îðÚðá ÑßðÜüØð ÐðèóÈ ò¨îÚðð Æðð ¡Ãð: ýçðãðæðá ¨÷î òâ𦠡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð. ¨îð âððØð ¡ðøÜ èðòÐð âð÷®ððÐðèóÈ èø. ýçð çðü×ðüÏð Ùð÷ü âð÷®ðð ÑðÜóêð¨î ¨îó òÜÑðð÷¾á ÑðòÜòäðæ¾ IV Ùð÷üÇó ±ðÚðó èø.(âðð®ð ÝÑðÚð÷)31 Ùððμðá 2007äð÷ÚðÜ Ñðõü¸ðó 500.00¨ôîâð Ç÷ÚðÃðð¦ü 500.00Ðð¨îÇó ¡ðøÜ ×ðøȨî äð÷æð ÜðòäðÚððü 500.00³ð¾ðÚð÷ü : μððâðõ Ç÷ÚðÃðð¦ü ¡ðøÜ ÑßðãðÏððÐð 141.59òÐðãðâð μððâðõ ¡ðòçÃðÚððü 358.41òãðòãðÏð ãÚðÚð 141.59¨ôîâð ¡ðòçÃðÚððü 500.0035

Øððãðó çðüØððãðÐðð¦üØððÜÃðóÚð ¡ÆðáãÚðãðçÆðð ¨÷î çðôÇöÁÿ òãð¨îðçð Ðð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ ØðóçðÙð±ß ÞÑð çð÷ òãð¨îðçð ¨îÜÐð÷ ¨÷î òâ𦠡ðøÜ ¡òÏð¨î ¡ãðçðÜ ÑßÇðÐðò¨îÚð÷ èøÈ. ¡ðÑð¨îð ×ðøȨî ØððÜÃðóÚð ¡ÆðáãÚðãðçÆðð ¨÷î ×ððÜ÷ Ùð÷ü ¡ÑðÐð÷±ðèÐð ìððÐð ¨îó çðèðÚðÃðð çð÷ ýçð òãð¨îðçð ÑßòªîÚðð Ùð÷ü çððÆðá¨î Áü±ðçð÷ çðèØðð±ðó ×ðÐð÷±ðð. ¡ðÑð¨÷î ×ðøÈ¨î ¨îð÷ ØððÜÃðóÚð ¦ãðü ãðøòäãð¨î Çð÷Ððð÷üòãðÄðóÚð ×ðð¸ððÜð÷ü ¨îó Øðó ±ðèÜó çðÙð»ð èø ò¸ðçðçð÷ Úðè ÑßÙðô®ð¸ðð÷ò®ðÙðð÷ü ¨îð ÙðõâÚððü¨îÐð ¦ãðü ýÐè÷ü ¨îÙð ¨îÜÐð÷ ¨÷î òâ𦠣òμðÃðÜÂðÐðóòÃðÚððü ×ðÐðð çð¨÷î±ðð. òÒîÜ Øðó, ÑßòÃðçÑðÏðóá ãððÃððãðÜÂð Ùð÷ü¨îðÚðáêðÙðÃðð ¨îð÷ ×ðÁÿð¨îÜ òãð¨îðçð ¨÷î çððÆð-çððÆð ¨îðÚðá êð÷ëð ¨îðÇðÚðÜð ×ðÁÿðÐð÷ ¡ðøÜ ×ðÀÿ÷ ÑðøÙððÐð÷ ¨îó ò¨îÒîðÚðÃð ¨÷î âððØðð÷ü ¨îð÷ ÑßðÑÃð¨îÜÐðð Øðó ¸ðÞÜó èø. ÃðØðó ýçð ãðöòÊ ¨îð çð¨îðÜðÃÙð¨î ÑßØððãð âððØðÑðÜ ÑðÀÿ çð¨÷î±ðð. ¡ðÑð¨÷î ×ðøȨî Ðð÷ Ñðèâð÷ èó ¡ÑðÐðó ¦¨î ÑðõãðáãðÃðóáçðèðÚð¨î çðüçÆðð ¨îð÷ çðÙððÙð÷òâðÃð ¨îÜ ¡ðøÜ çððÆð èó ÑðõãðáãðÃðóá òÇÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð. ¨÷î çðÙððÙð÷âðÐð ¨÷î ¸ðòܦ ¡ÑðÐðó òçÆðòÃðçðôÇöÁÿ ¨îÜ âðó èø.¡ðÑð¨îð ×ðøȨî ØðòãðæÚð Ùð÷ü ¡ÑðÐðó òãð¨îðçð ÜÂðÐðóòÃð ¨÷î ¦¨î òèççð÷ ¨÷îÞÑð Ùð÷ü òãð¨îðçð òãðÄð Ç÷Ðð÷ ¨îó ¡ÑðÐðó ¡òÏðÇ÷òäðÃð ØðõòÙð¨îð ¨îð÷òÐðØððÐð÷ ¨÷î çððÆð òܾ÷âð ¡ðøÜ ¨îðùÜÑðð÷Ü÷¾ ¨îðÜð÷×ððÜ Çð÷Ððð÷ü ÑðÜ èó ¸ðð÷ÜÇ÷±ðð. âð³ðô ¦ãðü Ùð»ðð÷âð÷ £ÌðÙðð÷ü ÃðÆðð ¨öîòæð ¨îðÜð÷×ððÜ ®ðüÀð÷ü ¨÷î¸ðòÜÚð÷ Øðó òãð¨îðçð ò¨îÚðð ¸ðð¦±ðð ¸ðð÷ ¡ðÑð¨÷î ×ðøÈ¨î ¨÷î ¨îðÜð÷×ððÜ ¨÷îÇðÚðÜ÷ ¨÷î £ØðÜÃð÷ èô¦ êð÷ëð èøÈ. ¡ðÑð¨îð ×ðøȨî Ð𦠨îðÜð÷×ððÜó ¡ðøÜØððø±ðð÷òâð¨î êð÷ëðð÷ü Ùð÷ü Øðó Ñßãð÷äð ¨îÜ Üèð èø ò¸ðÐðÙð÷ü ¡ÑðÐðó ¡üÃðÜðáæ¾àóÚð£ÑðòçÆðòÃð Ǹðá ¨îÜðÐðð äððòÙðâð èø. ýÐð çðØðó ÑßÚððçðð÷ü çð÷ ¡ðÑð¨îð ×ðøȨî¡ÑðÐð÷ Çó³ðá¨îðòâð¨î ÏÚð÷Úð ¨îó ÑßðòÑÃð ¨÷î ¨îÜó×ð Ñðèôüμð÷±ðð ¡ðøÜ çðØðó¡üäðÏððܨîð÷ü ¨÷î òâðÚð÷ âððØð ¡ò¸ðáÃð ¨îÜ çð¨÷î±ðð.î36

Business EnvironmentGross Domestic ProductThe Indian economy continued to exhibit strongfundamentals during 2006-07. As per Advance Estimatesof the Central Statistical Organisation (CSO), theeconomy is set to witness a growth of 9.2% during2006-07 in its Gross Domestic Product (GDP) [at 1999-2000 prices] as compared to 9% during the previousyear. The main drivers of growth in 2006-07 continueto be the industrial and services sectors, estimated togrow at the rates of 10.1% and 11% respectively.However, growth in agriculture and allied activities maycome down to 2.7% as compared to a growth of 6%achieved in 2005-06.during the year 2006-07 as compared to the previousyear. The consumer goods sector witnessed a declinein growth rate with 10.0% growth during the year 2006-07 as compared to a growth of 12% during the previousyear. However, the intermediate goods sector showeda robust growth of 11.7% as against 2.5% for theprevious year. Capital goods sector, which is an indicatorof new industrial investments, continued to exhibit highgrowth of 17.7% during the current year, which iseven higher than the growth of 15.8% exhibited duringthe previous year (Figure 2).Figure 2: Sectoral Growth of IIP (%)Investment and Industrial ScenarioThe investment climate remained conducive for businessgrowth. The higher GDP growth was coupled with asignificant pick-up in investment, reflecting high businessconfidence leading to higher Gross Domestic Investment(GDI), particularly, private investment. While GDIincreased from 25.2% in 2002-03 to 33.8% in 2005-06,Gross Domestic Savings (GDS) increased from 26.4% to32.4% during the same period (Figure 1).Figure 1: Trends in Investments & Savings (as % of GDP)25.2 26.4 28.0 29.7 31.5 31.133.8 32.4During the year 2006-07, Index of Industrial Production(IIP) recorded a growth of 11.3% as compared to agrowth of 8.2% during 2005-06. The growth of industrialsector was primarily led by manufacturing sector. Asper use-based classification, the intermediate goods,basic goods and capital goods sector, with the exceptionof consumer goods sector, witnessed higher growthIn the infrastructure sector, during the year 2006-07,the composite index of six infrastructure industries(accounting for a weightage of 26.7% in IIP) viz.electricity, crude petroleum, petroleum refineryproducts, coal, finished steel and cement, witnessed ahigher growth rate as compared to the previous year,due to better performance of sectors such aselectricity, crude petroleum and petroleum refineryproducts.The improved performance of industrial sector isexpected to significantly impact your Bank’s business.Sectors which have high business potential for your Bankfor increasing its asset base in FY 2008 are AutoComponents, Food Processing, Power, Textiles, Iron& Steel and Telecom. Other industry sectors with goodbusiness potential for increasing your Bank’s asset basein FY 2008 are Oil & Gas Exploration & Refineries,Roads, Ports, Chemicals & Petrochemicals, Cement,Paper & Paper Products, Capital Goods, Hospitals,Hotels and Aviation. Significant business opportunity37

also exists in business domains such as SME, Agribusinessand Retail Banking.External SectorDuring FY 2006-07, India’s merchandise trade deficitwas at USD 56.7 billion, as compared to USD 39.6 billionduring the previous year. However, overall Balance ofPayments (BOP) position remained comfortable giventhe high foreign exchange reserves. With importsgrowing faster than exports, the trade balance isexpected to be negative, especially if there is furtherincrease in the oil prices. Also, capital flows, both debtand non-debt, during 2006-07 so far, have been higherthan a year ago, reflecting growing investor interest inthe Indian economy on the back of strong growthprospects and buoyant investment demand. It is thusfelt that higher invisible inflows and strong capital flowswill limit the rise in the current account deficit andIndia’s foreign trade volume will continue its currentupward trend.Foreign Exchange Reserves & Exchange RatesAs at end-March, 2007, India’s foreign exchange reservesstood at USD 199.2 billion, which was higher by 47.55billion than as at end-March 2006. During 2006-07,orderly conditions were generally observed in the Indianforeign exchange market. Exchange rate for US dollaras at end-March 07 stood at Rs. 43.6 as compared toRs.44.6 as at end-March 2006.The uptrend in inflation is a sign of increased supplysidepressures as well as firming up demand. Proximatereasons for the recent trend of increasing inflation are:(i) an uptrend in prices of primary articles; (ii) upwardmovement in the prices of manufactured products;(iii) rising capacity utilization; (iv) increased consumptionand investment demand; (v) expansion in demand forbank credit; (vi) rising asset prices; and (vii)international oil prices - although this moderated inrecent months.Liquidity and Interest RatesDuring 2006-07, financial markets remained generallystable, although interest rates in money andGovernment securities markets rose. Also, in asituation when credit growth, on occasions,outstripped liquidity in the market, there was pressureon liquidity and interest rates. Accordingly, there wasacross-the-board hike in deposit rates by most banksand corresponding hikes in lending rates, as indicatedby the rise in Prime Lending Rates (PLRs) of leadingbanks. The Credit Deposit Ratio (CD Ratio) for thebanking sector was 74.1% as on March 30, 2007 asagainst 71.5% as at end-March 2006. During 2006-07,money supply (M3) increased by 20.7% as on March30, 2007. Interest rates across maturity were generallyhigh as compared to the previous year (Figure 4).Figure 4: Movement in Yield of GoI Securities (%)InflationInflation, as measured by the Wholesale Price Index(WPI), was higher at 5.7% as on March 30, 2007, ascompared to 4.1% as at end-March 2006. ConsumerPrice Index (CPI) also was higher at 6.7% as comparedto 4.9% during end-March 2006 (Figure 3).Figure 3: Trends in Inflation as at end-March (%)The hike in repo rate and Cash Reserve Ratio (CRR) byRBI signals an upward bias towards lending rates. Withtightening liquidity, the banks have been selling theirsecurities in the Statutory Liquidity Ratio (SLR) portfolioto accommodate the increased credit demand,particularly from the private sector. This evidently cannotcontinue to be a long-term strategy as shortage of SLRsecurities could constrain the banks’ recourse to LiquidityAdjustment Facility (LAF). Banks would thus need tomobilize larger amount of deposits and move towardsa more favourable CD ratio. However, growth in38

deposits and advances would continue in order to supportthe demand emanating from the growth momentum ofthe economy. The trend in deposit and credit growth ofthe banking sector is given in Figure 5.Figure 5: Trends in Deposits and Credit Growth (%)The demand for bank credit during the year was broadbased,led by retail loans, industry and agricultural loanssectors. Credit to agriculture sector recorded a robustgrowth reflecting the impact of various policy initiativesto improve the flow of credit to the sector. Increase inindustrial credit was mainly on account of infrastructure(viz, power, road, ports and telecommunications),petroleum products, textiles, iron & steel, chemicals,vehicles, gems & jewellery, food processing andconstruction. Credit from retail sector was mostly ledby housing loans, credit card receivables and personalloans. Also, policy measures to augment credit flow tosmall and medium enterprises were undertaken.Capital MarketA strong macro-economic outlook, positive investmentclimate and encouraging corporate financial results werethe main factors driving the overall capital marketsentiment during the year. During the period April-March2006-07, while cumulative resources raised throughpublic issues increased, the resources raised throughEuro issues viz. ADRs and GDRs were in line with theprevious year. Also, the domestic stock market remainedbuoyant on the back of strong economic fundamentals,robust corporate results, upward trend in internationalequity markets and decline in global crude oil prices.Future OutlookThe Indian economy is poised today at a veryadvantageous position. The economy is ascending a highergrowth path, with the step-up in the growth rate of theeconomy being facilitated by increase in domesticinvestment, financed predominantly by domestic savings.The success of the economic reforms process, as aconsequence of the widespread deregulation andintroduction of competition in most segments of theeconomic sphere has led to increased efficiency gains,manifesting itself in acceleration in investment and outputgrowth. This has resulted in a change in the compositionof India’s GDP with the emergence of new growth drivers.All this augurs well for your Bank and will result inimproved business prospects for your Bank. The bankingsector and specifically your Bank, is well poised to playthe required role in sustaining this growth momentum.39

Business ReviewRetail FinanceThe Indian retail finance scenario has witnessed amajor change in the last few years. This change hasbeen driven by rising income levels at the hands ofthe individual, positive change in mindset of consumersin availing credit and expansion of presence offinanciers. Considering the robust growth and potentialin this sector, your Bank has given a major thrust tothis business segment.Your Bank offers a wide spectrum of Retail Assetproducts, both Secured (Housing Loan, Mortgage Loan,Loan against Securities) and Unsecured (Personal Loans,Education Loans and Overdraft to MerchantEstablishments). During the year, the Bank successfullyparticipated in various Property Exhibitions at majorcentres such as Mumbai, Pune, Jaipur, Kolkata, Chennaiand Hyderabad that gave a significant mileage to theHome Loan products of the Bank. Also, a revisedEducation Loan Scheme was launched during the year.Your Bank now has Retail Asset Centres across 22cities, which will help the Bank in enhancing the geographicspread, product acceptance, operational efficiency andcredit expertise.Your Bank is always in pursuit of offering value-addedservices to its esteemed clients and towards thisendeavour, your Bank has recently formalized a tie-upwith IDBI Capital Market Services Limited, a 100%subsidiary of the Bank, to offer state-of-the-art Internetbasedtrading facility in Equities, Futures and Optionsmarkets. The clients can also purchase and redeem unitsof Mutual Funds and can subscribe to Initial PublicOfferings of various corporates / institutions using thisfacility. This unique facility provides total convenienceas all the above services can be availed with the click ofa mouse and the complete process is seamless.Your Bank is also engaged in distribution of third partyproducts to its retail customers. During the year, yourBank installed an Automated Teller Machine (ATM) inone of the Terminals (in the check-in area) of theMumbai Domestic Airport, making it the first bank toprovide an ATM in the check-in area of the AirportTerminal. Also, plans are afoot to issue debit cards underother franchises in addition to the present franchise.With a view to offering a more secure environment tothe customers for transacting their business, your Bankis taking two important initiatives viz. adding EncryptedPin Pad (EPP) and Triple Data Encryption System (TripleDES) to all the older-generation ATMs and obtainingVerified By Visa (VBV) certification for all cardtransactions acquired on the internet.Corporate FinanceYour Bank has been mandated for providing projectfinance to boost capital formation and infrastructuredevelopment in the country. Your Bank provides projectfinance in both rupee and foreign currencies. Assistanceis provided for greenfield projects as also for expansion,diversification and modernization. Your Bank followsthe Global Best Practices in project appraisal andmonitoring and has a well-diversified industry portfolio.Apart from project finance, non-project finance for shortand medium term maturities also is provided as ShorttermLoan, Working Capital and Treasury Products tomeet the ongoing requirement of corporates. To furtherstrengthen the product offerings, your Bank has signeda Memorandum of Understanding (MoU) with LIC inDecember 2006 for undertaking joint and take-outfinancing of long-gestation projects, includinginfrastructure projects.Your Bank offers a wide array of corporate bankingproducts under various business segments such asDeposits, Cash Management Services, Central and StateGovernment agency business (both direct and indirecttaxes), Trade Finance and Treasury Products.Your Bank has set up dedicated trade sales teams forproduct offerings at key locations to have a focusedand specialized approach to trade services. Your Bankcarries out Trade Finance operations through designatedbranches, which provide Trade Finance Products viz.,Letters of Credit, Bank Guarantees, Collections,Remittances, Forward Contracts, Packing Credit, Post-Shipment Finance, Maturity Factoring, InvoiceDiscounting and Trade Advisory Services. It isnoteworthy that your Bank was among the select banksunder the auspices of Indian Banks’ Association (IBA)to test, pilot and implement Structured FinancialMessaging System (SFMS) for domestic trade40

transactions. Your Bank also entered into a tie-up withExport Credit Guarantee Corporation (ECGC) forfinancing the export receivables under the full-fledgedfactoring facility of ECGC.In respect of Cash Management Services, your Bankhas bagged several prestigious debt servicing,redemption and dividend deals from leading corporates.Your Bank is the first bank to offer payment facility ofdirect taxes through Internet and is also the first bankto offer online payment of Central Excise Duty andService Tax through the Internet. Your Bank has themandate to collect direct taxes at several branches andextension counters across the country and also tocollect Excise Duty and Service Tax at select branches.Additionally, your Bank has the mandate to collect salestax and stamp duty for certain State Governments andimport/export licence fees over the Internet.Your Bank has set up a Sourcing and SyndicationDepartment, which primarily focuses on augmentingfee-based income of the Bank through debt syndicationand other value-added services like equity syndication,financial appraisal, IPO monitoring agency, corporateadvisory including advisory on mergers & acquisitionsand other business advisory services. During the pastyear, your Bank became a major player in the domesticdebt syndication market and executed a number ofadvisory/other assignments for corporate clients.Infrastructure FinanceYour Bank continues to remain a prominent player ininfrastructure financing. It has been actively participatingin structuring and financing of infrastructure projectsin the areas of power, telecom, roads, airports, seaports,railways and logistics as well as Special Economic Zones,ever since the infrastructure sector was opened forprivate investment. Besides providing financial assistance,your Bank interacts with Government and otherstakeholders and market participants, on policy andoperational issues, facilitating smooth flow of funds toinfrastructure sector.Your Bank is also a member of the Core Committee ofthe Government set up for finalisation of the Ultra MegaPower Projects. Further, it is also an active member ofthe Inter-Institutional Group for power sector, whichmeets regularly to resolve various issues for achievingtimely financial closure of identified power projects.Your Bank continues to provide assistance to roadprojects considering the imperatives of roadinfrastructure development for achieving higher growthin the national economy. Your Bank has also takeninitiatives in funding modernization of airports, besidespart-financing development of international airports andseaports under the Public-Private Partnership route.SME InitiativesYour Bank has been actively engaged in providing amajor thrust to financing of Small & Medium Enterprises(SMEs). With a view to improving the credit deliverymechanism and shortening the Turn Around Time(TAT), your Bank has set up Centralized LoanProcessing Cells (CLPCs) at major centres across thecountry. The CLPCs will process the applications andsubmit for sanction to delegated authorities. All activitiesrelating to credit facilities and policy matters pertainingto the SME sector as well as co-ordination and controlof CLPCs are being looked after by a newly-createdSME Division at Head Office. This would considerablyimprove the customer service levels in your Bank. Tofurther upgrade the service levels, training programmeswere conducted during the year on AgriComm andSME products for the officers and other employees ofyour Bank to keep them abreast with the competitionin the market.To strengthen the credit delivery process, the CreditAppraisal & Rating Tool (CART) Module developed bySmall Industries Development Bank of India (SIDBI),which combines both rating and appraisal mechanism forloan proposals up to Rs.100 lakh, was adopted by yourBank for faster processing of loan proposals. During theyear, products were rolled out targeting the SME sector,which considerably expanded your Bank’s offerings to itscustomers. Also, the German Technical Co-operationand your Bank entered into an understanding forstrengthening the growth and competitiveness of SMEsby providing better access to demand-oriented businessdevelopment and financial services.Agriculture and MicrofinanceYour Bank launched several new products during theyear catering to the rural and agri community viz.Horticulture Loans, Farm Mechanisation Loans, CropReceivables Financing etc. Few more products are onthe drawing board and would be introduced gradually.Your Bank has been active in the financial inclusion41

programme and has launched a scheme in three Stateson a pilot scale to free the farmers from indebtedness.Also, your Bank has been catering to the Micro FinanceInstitutions in different regions of the country. In anattempt to reach these sectors throughout the countryand to have a focused attention, your Bank is setting upAgri Cells in various branches.Financial InclusionYour Bank stands committed to introducing productsand services to cater to diverse sections of the societyand thereby including in the formal financial systemsections of the society hitherto excluded. As a first stepin this endeavour, your Bank launched the ‘Sabka’ savingsaccount with an intention to make basic banking servicesaccessible to a vast majority of the unbanked andunderbanked population. The facility offers core-bankingfacilities and conveniences at a low average balancerequirement. The scheme was subsequently furthermodified so as to cover a wider network of customers.Technology Upgradation Fund SchemeYour Bank has been discharging the functions of thePrincipal Nodal Agency for Technology UpgradationFund Scheme (TUFS) launched by the Ministry ofTextiles, Government of India on April 1, 1999,initially for a period of five years and subsequentlyextended by three years to cover sanctions up toMarch 31, 2007. The Scheme aims at a focussed andtime-bound programme for modernisation throughtechnology upgradation in the industry. The Budgetfor FY 2007-08 has announced further extension ofthe Scheme for five years. While the thrust of theScheme is on post-spinning segments (weaving,processing and garmenting), spinning segment also hasbeen included under the Scheme. Your Bank, in itsrole as principal nodal agency for the textile industry(non-SSI Sector) under TUFS, examines eligibility ofloans sanctioned by Primary Lending Institutions fromTUFS angle and administers interest reimbursementout of funds provided by Government of India for thepurpose.Environment Protection SchemesYour Bank is acting as Financial Agent (FA) for theWorld Bank (WB) funded Ozone Depleting Substances(ODS) Phase-out projects, and is responsible forappraising projects, administering and disbursing grantout of Ozone Trust Fund (OTF) and overseeingimplementation of the projects aimed at phasing outthe use of ODS in the industry.As part of ongoing efforts towards Environmentprotection, your Bank is presently handling twoprojects aimed at phase-out of ODS, which will becompleted by 2010. Your Bank entered into anagreement during FY 2000-01 with WB to channelisegrant funds amounting to USD 80.80 mn. under ChloroFluoro Carbon (CFC) Production Sector GradualPhase-out Project (ODS-III). Your Bank’s role underthis Project is that of a banker to facilitate transfer ofgrant funds upon authorization by WB. In addition,since August 2004, your Bank has been acting as FAfor implementation of Carbon Tetra Chloride (CTC)Phase-out Project (ODS-IV) involving both Productionand Consumption Sector.Global warming has become an important internationalenvironmental issue during the last 15-20 years. Withthe objective of controlling emission of Green HouseGases (GHG) at global level, the third conference ofparties to the United Nations Framework Conventionon Climate Change (UNFCCC) adopted the KyotoProtocol, in December 1997. Under this Protocol, CleanDevelopment Mechanism (CDM) is one of the initiativesfor providing incentives to the companies, which developGHG abatement projects. Credits for GHG abatementsare awarded in terms of Certified Emission Reduction(CER). These CERs are tradable and purchase of thesame entitles the buyer to have fulfillment of itscommitments under the protocol. Your Bank has beenactive in providing the following services in the field ofCDM projects and carbon trading advisory:(i)(ii)Identification of CDM projects;Funding of CDM projects;(iii) Aiding the process of registration of CDM projectswith UNFCCC;(iv)(v)Commercialisation/sale of CERs; andProvision of any other related banking products/services.In connection with the CDM project activity andcarbon advisory activity, during the year, your Bankentered into MoUs with MITCON, a leading TechnicalConsultancy Organisation in India, the InternationalFinance Corporation (IFC), Washington and KfW,Germany.42

Treasury OperationsYour Bank’s Treasury effectively managed the liquidityrequirements of the Bank to meet the funds flow for creditdisbursements apart from servicing the past borrowingsthrough bonds and deposits. Whilst there was an overallemphasis on increasing the share of low-cost CurrentAccount – Savings Account (CASA) deposits, your Bankused a judicious mix of domestic and internationalresource raising to meet the liquidity requirements of theBank in a cost-effective manner.In the domestic market, your Bank used a variety ofinstruments to augment the resource base. It tookproactive steps to identify the opportunities in a volatilemarket and progressively build up the SLR portfolio,with a judicious mix of Central and State Governmentsecurities in consonance with the risk perception andrisk appetite of your Bank.In terms of Treasury operations, your Bank also deals inequity investments as part of the overall investmentsportfolio. Though investments in equity have mainly beenby way of direct subscription as part of project financeactivities / primary market and conversion of loans aspart of rehabilitation measures including those throughpackages formulated under Board for Industrial &Financial Reconstruction / Corporate Debt RestructuringMechanism, secondary market operations also areundertaken keeping in view the market conditions.The Treasury of your Bank also caters to all types offoreign exchange requirements of corporate and retailcustomers to meet their needs in import, export andremittance transactions apart from undertakingproprietary trading. Periodical interaction with clientscoupled with proactive Treasury advisory services onCurrency and Interest Rate movements have enabledyour Bank to broaden its client base not only in themetros but also in Tier-II cities. In this regard, theSpecialised Treasury Branch of your Bank works in closeco-ordination with the Corporate Banking and RetailBanking divisions to have a wider reach as well as tosource and sustain new relationships.Derivatives & Treasury MarketingIn the sphere of derivative services, your Bank advisesand concludes transactions on Exchange and InterestRate Derivatives for its clients. Your Bank is in constantdialogue with corporate clients to regularly assess theirrequirements in order to provide need-based solutionsto manage the currency and interest rate exposures byusing derivative structures. It is also on constant lookoutfor new derivative structures, which can be offeredas risk management tools to corporate clients. YourBank follows a meticulous system for assessing thederivative requirements of corporate customers withmeasures of appropriateness. Your Bank has alsoundertaken derivative deals for Asset LiabilityManagement. These deals are periodically reviewed tomonitor their effectiveness as hedge tools. Your Bankhas put in place a proper risk management process tomonitor the entire derivatives portfolio.Resource MobilizationDuring the year, your Bank mobilized rupee resourcesby way of borrowings under bonds, as also throughdeposits including term/savings/current accounts andcertificates of deposits. Your Bank has put considerableemphasis on raising resources through deposits with along-term view to make deposits its predominant sourceof funds. Particular emphasis has also been laid toincrease the share of retail deposits.As part of the continuous process of bringing innovativeproducts to the market, during the year, your Banklaunched the IDBI Suvidha Plus Fixed Deposit, IDBISuvidha Tax Saving Fixed Deposit, IDBI Suvidha RecurringDeposit and Access Plus Super Saving Account, whichwere received well by the market. The IDBI Suvidha PlusFixed Deposit was targeted for customers looking forinvestment in short to medium term “Fixed Tenor FD”and attractive rate of interest. The schemes under thisumbrella were for varied tenors and were in the marketfor a limited period only. The IDBI Suvidha Tax SavingFixed Deposit was aimed at utilizing the opportunityprovided by the tax concessions given by the CBDTnotification dated July 28, 2006. Both the deposits werecompetitively priced to attract customers.Your Bank continued to raise long-term resources byway of private placement of bonds. The subordinatedTier-II Bond issues strengthened the Bank’s CapitalAdequacy. In view of the rise in cost of borrowings in thelater part of the year, your Bank resorted to more ofshort-term borrowings to meet the fund requirements.Keeping in view the comfortable Capital Adequacy Ratioand unutilized limit for raising Tier-II capital, your Bankdid not avail the facility provided by RBI for raising capitalfunds in the form of (a) Innovative Perpetual DebtInstruments which are eligible for inclusion as Tier-I43

capital; and (b) Debt Capital Instruments which areeligible for inclusion as Upper Tier-II capital. Your Bankwill, however, explore the possibility of raising resourcesunder the aforesaid Bond options also, as and when theneed and opportunity arises. It may be noted that RBIhas agreed to your Bank’s request for issuing bonds onreimbursement basis to meet financing requirementsof long-gestation projects other than those in theinfrastructure sector. The aforesaid permission by RBIhas further enhanced your Bank’s scope of raising longtermresources.Foreign Currency ResourcesDuring the year under review, your Bank prepaid oneof the high-cost Foreign Currency (FC) borrowings inorder to reduce the overall cost of funds. During thesame period, under the limit of 25% of unimpairedTier-I capital, your Bank raised a sum of USD 325million from overseas banks / overseas branches ofIndian banks by way of inter-bank deals and by way ofsyndicated loans. Your Bank is planning to come upwith an Euro Commercial Paper Medium Term Note(ECP MTN) programme of USD 1.5 billion for raisingforeign currency funds, in different tranches by way ofsenior debt and also through perpetual Tier-I andupper Tier-II capital in conformity with RBI guidelines.The funds so raised will be utilized for regularrequirement of FC funds for domestic operations,future expansion / acquisition purposes as also foroperations of overseas branches proposed to be openedduring FY 2007-08. Your Bank also raised FC depositsby way of the available window for NRI deposits.Cross-Border BranchesWith a view to catering to the cross-border financingneeds of the Bank’s customers and leveraging thedomestic banking strengths to offer productsinternationally, your Bank has decided to make a forayinto the overseas markets. The Reserve Bank of India(RBI) has accorded its approval for setting up OffshoreBusiness Units (OBUs) in Singapore and Bahrain andrepresentative offices in Shanghai, Moscow and Dubai.RatingsYour Bank obtains credit ratings for both domestic andforeign currency borrowings. The ratings for rupeeresources, as indicated in Table 3, reflect high safetywith respect to timely payment of interest and principal.Table 3 : Ratings for Rupee Borrowings(As on March 31, 2007)CRISILICRAFitchLong-TermRupee Bonds AA+/Stable LAA+ AA+(ind)Fixed Deposit FAAA MAA+ AA+(ind)Short-TermBorrowings P1+ A1+ F1+(ind)The FC borrowings of your Bank are rated byinternational rating agencies viz. Standard & Poor’s(S&P), Moody’s Investor Services (Moody’s) and FitchRatings. The long-term foreign currency ratings and BankFinancial Strength Ratings (BFSR) assigned by theinternational rating agencies are indicated in Table 4.While the Foreign Currency debt ratings for your Bankas assigned by S&P and Fitch Ratings are at par with thesovereign ratings, the rating assigned by Moody’s is onenotch higher than the sovereign rating.Table 4: Ratings for Foreign Currency Borrowings(As on March 31, 2007)Rating AgencyAsset QualityLong term RatingBFSRStandard & Poor’s (S&P) BBB- CMoody’s InvestorServices (Moody’s) Baa2 D -Fitch Ratings BBB- C / DAs at end-March 2007, 98.88% of your Bank’s loanassets were standard assets. While sub-standard assetsformed 0.78%, doubtful assets constituted 0.34% ofyour Bank’s loan assets, for which adequate provisionswere made in conformity with extant prudentialregulations. Your Bank continues to pursue variousrecovery efforts to improve the bottom line of theBank. During the year, your Bank initiated several stepsto settle the Non-Performing Assets / Fully Written-Off (NPA/FWO) cases in its portfolio. Among thevarious steps undertaken were restructuring ofliabilities, One Time Settlement/Negotiated Settlement(OTS/NS), legal action, action under the SARFAESI Act,change of management, sale of assets to AssetReconstruction Companies (ARCs), induction ofstrategic investors etc. depending on the specificrequirements of each case.44

Risk ManagementThe role of risk management in your Bank is toidentify, evaluate, monitor, manage & control andmitigate the risks. Managing risk has become crucialin modern-day banking. The philosophy of your Bankwith regard to risk is guided by the twin objectivesof enhancement of shareholders’ value and optimumallocation of capital. Your Bank has put in place properstructure, policies and review processes in the areaof risk management. The Bank has prepared a roadmap and has taken several steps for implementationof the Basel-II guidelines within the frameworkprescribed by Reserve Bank of India.Overall risk management is the responsibility of RiskManagement Committee of the Board. Your Bank hasan integrated risk management function that looks afterall aspects of enterprise-wide risk management. Thepolicy approach is to conform to the best internationalstandards and in the process, emphasis is laid ongradual harmonization with international best practices,keeping in view the timing, context and level ofimplementation amongst the competing broadsegments of the financial sector in the country. Therisk management systems developed and adopted byyour Bank pay significant attention to suitability of ITstructure including issues of connectivity andintegration, designing Management Information Systemthat is risk-focused, ensuring segregation of riskassessment from operations and frequent review ofrisk management systems to ensure that there is noslippage and that appropriate skills are developedwithin the Bank. There is a well-established, effectiveand independent internal control mechanism in yourBank for supplementing the risk management systems.Credit RiskYour Bank follows a proactive Credit Risk Policy andemploys best international practices throughappropriate credit delivery processes, portfolio &account monitoring, tracking early warning signals andremedial management procedures. Sectoral exposuresand target businesses are monitored regularly, puttingin place appropriate industry-specific lending policies.Your Bank uses credit ratings at transaction level andportfolio level in managing its credit risk. It is also inthe process of upgrading its risk managementarchitecture by putting in place a comprehensive CreditRisk Management System, covering various businesssegments and risk management tools. Forimplementation of Basel-II guidelines for credit risk,your Bank will initially adopt Standardised Approachand at the same time put in place processes andinfrastructure to adopt Internal Rating Based Approachin due course of time.Market RiskYour Bank addresses all forms of market risks viz.liquidity risk, interest rate risk and forex risk. Keepingin view the intensity and magnitude of market risks,separate treatment is given to the management of risksin the trading book and banking book. The tradingbook risks are continuously measured and managed bymarking the positions to the prevalent market ratesand analysis of positions based on changes in marketrates, analysis of past trends, stress tests through rateshocks, scenario analysis, etc. Market risks on thebanking book are analysed and managed throughliquidity and interest rate sensitivity gap, duration andscenario analysis. The overall positions and functionsof market risks are run under the policy frameworkdefined in Asset Liability Management Policy, MarketRisk Policy and Investment Policy.In order to implement the Basel-II norms in respectof market risk, your Bank is in the process of refiningthe framework for measuring liquidity and interest raterisks under various scenarios, including stress testing.Your Bank is also implementing Value at Risk (VaR)model for the entire Treasury trading portfolio witha view to assessing capital requirement for market risksbased on Advanced Approach under Basel-II. Thecapital charge for banking book will be fine-tunedthrough duration gap analysis.Operational RiskOperational risk management is an integral part of yourBank’s business strategy. A Basel-II compliant softwareis being used to track, measure and monitoroperational risk. Branches of your Bank are being ratedfor their operational quality through an embeddedbranch rating model. Your Bank has a policy in placefor ‘Know Your Customer’ (KYC) and ‘Anti Money45

Laundering’ (AML) requirements. Though your Bankwill initially adopt Basic Indicator Approach foroperational risk, steps are being taken to migrate toAdvanced Measurement Approach over a period oftime. As a measure of operational risk management,review exercises for new products and processes arecarried out. With a view to providing non-stop bankingservices to its valued customers, protecting corebanking operations from natural disasters andminimizing business disruption time, your Bank has setup a Disaster Recovery (DR) site, which was testedsuccessfully by carrying out a DR drill. Apart from DRsite, your Bank is also in the process of preparing aBusiness Continuity Plan.46

Management, Controls and SystemsHR InitiativesDuring 2006-07, your Bank recruited 905 employees(Officers 887, Class-III 2 and Class-IV 16), of which133, 42 and 178 belong to Scheduled Castes, ScheduledTribes and Other Backward Classes (OBCs)respectively. The said recruitment also includes 4Persons with Disabilities (PWD) and 5 Ex-Servicemen.As on March 31, 2007, your Bank had 7482 employeeson its rolls, comprising 4277 officers, 1936 Clerical(Class III) and 1269 Sub-staff (Class IV) employees.As mentioned earlier, after its conversion into acommercial bank and subsequent amalgamation of theerstwhile IDBI Bank Ltd. and The United WesternBank Ltd. with itself, your Bank has initiated steps forevolving a common comprehensive Human Resource(HR) architecture for all the three Strategic BusinessUnits (SBUs), which is aimed at integrating themanpower through HR intervention. The roll-out ofa robust Oracle-based Human Resource ManagementSystem (HRMS) has already begun. In subsequentphases, more modules would be designed and activatedso as to derive maximum benefit from an online HRdatabase in terms of role profiling and competencymapping and modeling to suit the changing HR needs.Representation of Scheduled Castes (SCs),Scheduled Tribes (STs) and Other BackwardClasses (OBCs)Your Bank has been implementing the Rules ofReservation for SCs/STs w.e.f. April 1977 in directrecruitment and from February 1980 in promotion.Your Bank has also been implementing reservation forOBCs w.e.f. September 1993 in direct recruitment. Interms of revised instructions of the Government ofIndia, Post-Based Roster System has been duly adopted.The representation of SCs, STs and OBCs in the totalstrength of your Bank in various cadres as on March31, 2007 is indicated in Table 5.It may be noted in this context that two of the SBUs,being erstwhile Private Sector Banks, were notrequired to follow Government guidelines onTable 5 : Representation of SCs/STs/OBCsTotalOut of whichStrengthSCsSTsOBCsOfficers 4277 397 119 302Class-III 1936 208 74 184Class-IV 1269 291 92 219Total 7482 896 285 705% of Total Strength 11.98 3.81 9.42reservations prior to the respective effective dates oftheir amalgamation with your Bank. Presently, separateRosters/Registers for DBSBU, CBSBU and UBSBU arebeing maintained in view of the different grades andpay scales in the three SBUs. These would be mergedafter integration and mapping of the employees of allthe SBUs. Besides, there were 60 Ex-Servicemen and64 Physically Handicapped persons in the Bank as onMarch 31, 2007. Your Bank maintains a separate Rosterfor PWDs, as per Govt. of India guidelines.Your Bank has appointed Chief Liaison Officers forSCs/STs and OBCs at its Head Office as also ZonalLiaison Officers at each of the Zonal Offices (withjurisdiction over the concerned Zone) to effectivelyredress the grievances of SC/ST/OBC employees. YourBank conducted four quarterly meetings withrepresentatives of the SC/ST/OBC WelfareAssociation during the year. Workshops onreservation policy were conducted for the benefit ofSC/ST Cell, Liaison Officers and representatives of SC/ST Association. Your Bank organized pre-recruitmentprogrammes for SC/ST candidates appearing forwritten test / interviews for officers and Class-III posts.Additionally, pre-promotion programmes were heldfor Class-III staff belonging to SC, ST and OBCcategories for preparing them for promotion.Human Resources DevelopmentDuring the year, your Bank trained 3359 employeesthrough 280 training programmes. Of these, 126 werein-house training programmes covering 3101participants at your Bank’s Jawaharlal Nehru Institutefor Development Banking (JNIDB), Hyderabad andTraining Centre at Belapur, Navi Mumbai as also handsontraining at various Branches.47

During the year, 243 officers were nominated for 146external training programmes conducted by otherinstitutes / training organisations in India and 15 officerswere nominated for 8 training programmes held abroad.In addition, 9 training programmes covering 219participants were conducted at the Training Centre ofthe erstwhile The United Western Bank Ltd. (UWB)at Satara, which was merged with your Bank inOctober 2006.The training programmes were focused on the areasof Retail Banking, especially Banking Basics, BranchOperations, Finacle, Retail Products, Third PartyProducts (Insurance, Mutual Funds and Govt. Businessetc.) and related areas. The other functionalprogrammes were in the areas of Priority SectorLending, Credit Rating, Working Capital, Trade Financeand Derivatives. Induction programmes covering thefunctions of the Bank and the various skills requiredfor efficient execution of the same were conducted fornew entrants. In addition, several soft skill programmeson Business Etiquette, Innovation & Creativity inBusiness, Problem Solving, Presentation Skills, EffectiveCommunication & Customer Service, Negotiation Skills& Personal Effectiveness etc. were also organized.Periodic meets of Heads of various business domains,Zonal/Branch In-charges and Retail & Sales Heads wereorganised setting a platform for exchange of views andenhancing business.Training in Jawaharlal Nehru Institute forDevelopment BankingThe Jawaharlal Nehru Institute for Development Banking(JNIDB), a premier Training Institute, was establishedby your Bank in 1991 with the objective of developinghuman resources in financial and banking sector in Indiaand other developing countries through training,research and consultancy. Over the years, JNIDB hasemerged as a centre of excellence in training anddevelopment. During the year, 2318 participants (yourBank – 1470 and Others – 848) attended various trainingprogrammes at JNIDB as against 1821 participants inthe previous year. The year witnessed continued demandfor customized programmes from other banks/institutions in the areas of Project Appraisal and Followup,Infrastructure Finance, Working CapitalManagement, Executive Development Programmes etc.In all, 27 such programmes were conducted during theyear as against 25 programmes conducted during theprevious year. For the first time, JNIDB collaboratedwith the Department of Public Enterprises (DPE) andconducted two programmes during the year – one eachin Infrastructure Financing and Strategic FinancialManagement for executives of PSUs. An internationalprogramme on Project Appraisal and InfrastructureFinancing was conducted in collaboration with theAssociation of Development Financing Institutions inAsia and the Pacific (ADFIAP). Besides participants fromother countries such as Sri Lanka, Kazakhstan, Malaysiaand Fiji, the programme was also attended by executivesfrom a number of banks in India. The Institute continuedits initiative of conducting off-site programmes for banksand corporate customers and conducted seven suchprogrammes at Kolkata, Mumbai, Chennai andHyderabad. The Institute also, for the first time, designedand developed an open programme on Implementationof Official Language for Hindi officers in banks / FIs.As an appreciation of the services rendered by theInstitute, on completion of the first phase of theConsultancy Assignment for DFCC Bank, Sri Lanka, theInstitute was given a mandate to carry out anAssessment Development Centre for the executivesof DFCC Bank during the year.Against an assessed capacity of 12,000 participant daysof training, the Institute imparted training for around15,000 participant days, indicating a capacity utilizationof 125%. With the planned expansion of commercialbanking activities of your Bank, the need and demandfor specialized training at the Institute is expected toincrease substantially. Recognizing such requirements,the Institute has planned for expansion of the academicand hostel facilities and to double the existing capacity.Preliminary steps have been initiated to implement theexpansion project.Internal AuditYour Bank has a well-equipped Internal Audit &Regulatory Compliance Department carrying out regularindependent appraisal of all activities undertaken bydifferent business/support units and branches. Thefunction is headed by Senior Management Personnelwith reporting lines to CMD and Audit Committee ofthe Board. The audit function maintains its independenceand objectivity while carrying out the assignments. Itevaluates, on a continuous basis, the adequacy andeffectiveness of internal control mechanisms, adherenceto policies and procedures and suggests measures to48

strengthen and streamline controls for timely addressingof various risks. Your Bank adopted risk-based internalaudit as its strategy while carrying out the activities.There is an Information System Audit in place as part ofInternal Audit mechanism to address technology and ITsecurity issues commensurate with the nature andcomplexities of the operations. There exists proper coordinationbetween audit and other operational wingsfor enhancing operational efficiency and fine-tuning ofthe processes.Your Bank has, in line with the regulatory requirements,put in place a comprehensive concurrent audit systemto supplement the internal audit function. Emphasis isplaced on benchmarking your Bank’s practices andprocedures in an endeavour to migrate to the bestpractices. The Audit Committee of the Board and AuditCommittee of Executives review the performance, givedirections to the internal audit functionaries and revieweffectiveness of internal control systems as alsocompliance with regulatory guidelines.Vigilance MechanismA Vigilance Department functions at the Head Officeof your Bank. Additionally, Zonal Vigilance Cells(ZVCs) set up at each Zonal Office co-ordinate thematters relating to vigilance at Zonal/Branch level andfacilitate expeditious disposal of cases. The VigilanceDepartment operates as a channel for providing inputsto the Top Management for carrying out investigationinto vigilance-related complaints and to suggestcorrective measures for improving the control systemsand compliance of laid-down procedures. Your Bankhas put in place a system wherein complaints receivedfrom the public / any other source are attended topromptly and steps are taken to avoid recurrence ofsuch complaints in future.A Vigilance Awareness Week was observed duringNovember 6-10, 2006 at Head Office/Zonal and BranchOffices of your Bank to sensitise the employees aboutthe evils of corruption. Preventive Vigilance visits wereundertaken to various Zonal/Branch Offices to examinetheir functioning and adherence to Systems andProcedures and for suggesting corrective measures,wherever necessary. During the year, a Best PracticesCode in respect of various functional areas of your Bankwas formulated and the same was put on the Intranet tofacilitate easy access for all staff members.A Fraud Monitoring Group set up in your Bankexclusively monitors cases relating to frauds, dacoities,robberies, burglaries and thefts and reports the sameto RBI, Ministry of Finance, Board of Directors, FraudMonitoring Committee and Audit Committee of Boardand advises concerned Departments to take necessaryaction in this regard.Code of Bank’s Commitments to CustomersDuring the year, your Bank became a member ofBanking Codes and Standards Board of India (BCSBI),recently set up by the Reserve Bank of India. TheBoard of Directors of your Bank adopted the Codeof Bank’s Commitment to Customers (the Code) forimplementation. The Code is voluntary and setsminimum standards of banking practices for banks tofollow when they are dealing with individual customers.It provides protection to customers and explains howbanks are expected to deal with them for their dayto-dayoperations.As an integral part of your Bank’s compliance with theCode, information on the Code is provided tocustomers through display on the Bank’s Website, atthe Branches, ATMs and with the CustomerStatements of Accounts. Copies of the Code have beendistributed to customers through the branches. Also,a copy of the Code is being sent to all new customerssourced after January 1, 2007.In further compliance with the provisions of the Code,a poster has been displayed at all branches of yourBank notifying availability of various policy documentson your Bank’s website as well as at branches, whichcan be provided to the customers on demand. Name& contact details of the Code Compliance Officer arealso displayed at branches and on the Bank’s website.Your Bank is undertaking all necessary steps to complywith the evolving BCSBI guidelines on an ongoing basis.Also, it has in place Customer Service Committee ofthe Board (CSCB) & Standing Committee onCustomer Service (SCCS) to ensure that Bank’sproducts, processes and services are periodically finetunedto meet the desired objective of BCSBI ofachieving customer satisfaction.Furthermore, to bring awareness amongst the staffmembers, a copy of the Code is hosted on the Bank’sintranet. All the branches have been conducting trainingprogrammes for the branch staff, sales teams &collection teams for familiarizing them with the49

provisions of the Code and ensuring care while dealingwith customers. Besides, special training sessions onthe provisions of the Code are being conducted atBank’s training centers.Regulatory ComplianceThe compliance function of your Bank involves timelysubmission of returns/reports to statutory bodies / RBIand other regulatory bodies as also submission ofinformation to the Parliament / Government. YourBank has taken adequate steps to ensure compliancewith various Statutory & Regulatory guidelines. Asenior functionary of your Bank has been designatedas Regulatory Compliance Officer, to review, coordinateand enhance the compliance of regulatoryguidelines on an on-going basis.Initiatives under the Right to Information ActWith a view to promoting transparency andaccountability in the working of every Public Authority,Government of India enacted The Right to InformationAct, 2005. To facilitate compliance with the provisionsof the said Act and, in particular, having regard topunitive clauses for non-compliance, the furnishing ofrequisite information to applicants seeking informationfrom your Bank was initially centralized. However, inorder to streamline the activity further as also toreduce the response time, the process has recentlybeen decentralized and a larger number of CentralPublic Information Officers with specified functionaldomains have been designated for expeditiousfurnishing of information. As required under Section4 of the Information Act, 2005, your Bank haspublished the relevant information on its website. Theinformation sought by applicants under the RTI Act aredealt with as per the provisions of the Act.Progressive Use of HindiIn accordance with the guidelines laid down byGovernment of India (GoI) for progressive use of Hindiin official work, several measures were undertakenduring the year. Your Bank ensured compliance ofvarious provisions of the Official Language Act andRules of Govt. of India. Concerted efforts were madeto enhance the use of Hindi in correspondence andinternal work. Increased use of Hindi helped your Bankin reaching wider sections of the society.During the period under review, further efforts weremade to increase the use of Hindi in the technologyenabledenvironment. Hindi software training wasimparted to the staff members. Information relating tovarious products and services, guidelines toshareholders/bondholders etc. were made available inHindi on your Bank’s website. Innovative steps weretaken to implement the Official Language Policy invarious areas of its operations. Your Bank wouldcontinue its efforts for achieving the various targetsset out in the Annual Implementation Programmeissued by Govt. of India.The Parliamentary Committee on Official Languagevisited the Bank’s Pune office and appreciated theefforts made by your Bank in implementation of theOfficial Language Policy. The progressive use of Hindiin your Bank was also reviewed in the quarterlymeetings of Official Language ImplementationCommittee of Banking Division, Ministry of Finance,Govt. of India.Bank’s house journal ‘Shree Vayam’ received an awardin Reserve Bank of India bilingual house journalcompetition. Also, various branch offices of your Bankreceived several coveted awards/prizes for excellentperformance in the use of Hindi from RajbhashaVibhag, Ministry of Home Affairs and Town OfficialLanguage Implementation Committees.Corporate CommunicationsYour Bank’s advertising and publicity initiatives during2006-07 were centered around its various productswith occasional brand advertising. The need to growbusiness volumes in tune with your Bank’s BusinessPlan warranted a complementary emphasis on productadvertising in general and promotion of retail productsin particular.As part of this strategy, your Bank launched focusedmulti-media advertising campaigns for several keyproducts during the year, such as IDBI Suvidha FixedDeposit and Home Loans in print, TV, radio andoutdoors for mutual reinforcement of the productmessage. Varied sponsorship support was alsoextended to events having business association for theBank. Further, your Bank’s website was continuouslyupdated to offer information on the wholesale andretail banking products and services offered by yourBank in a user-friendly format.The complementary Public Relations initiatives weredesigned to promote positive public perception of yourBank while highlighting the excellent services offeredby your Bank and generally ensuring visibility for theIDBI brand in the media domain.50

Information TechnologyMajor IT initiatives during the year 2006-07 werefocused on centralization, application migration andinfrastructure integration of the erstwhile The UnitedWestern Bank Ltd. (UWB) with your Bank. The mainfocus was to integrate different solutions and processesso that your Bank can quickly encash on businesssynergies arising out of the amalgamation.In the last 12 months, your Bank focussed on 24 X7 service delivery by offering uniform services acrossvarious alternate channels such as ATM, PhoneBanking, Mobile Banking, Internet Banking, etc. It alsoprovided its customers, a centralized multi-branchconnectivity integrated to a heterogeneous CoreBanking System across branches in India. Thisintegration provides a seamless access point forclients for all banking products and services acrossthe channels. Your Bank is also the frontrunner inrespect of secured electronic transmission of taxcollection data through the usage of Digital SignatureCertificates.Your Bank won the coveted “Outstanding Achiever ofthe Year Award 2006” under both Corporate andIndividual categories at the Indian Banks’ Association(IBA) Awards 2006 organized by IBA and Trade Fares& Conferences International (TFCI) this year. It wasalso awarded the Special Award for “Best InternetBank for Corporate Customers” and for the “IT Teamof the Year” by Institute For Development andResearch in Banking Technology (IDRBT). Thisportrays your Bank’s commitment towards technologyinitiatives and customer-centric service deliveries.Your Bank also carried out a Disaster Recovery (DR)Drill, to check on the continuity of all the servicesbetween Data Centre (DC) and DR. For the purposeof continuity check on the replication that happensbetween DC and DR and to have a consistent processin place, a DR Drill manual has been prepared. As partof the DR drill, the Bank’s Core Banking & Channelswere successfully operated from Disaster Recovery Site.The focused efforts of IDBI Intech Ltd., the whollyownedtechnology arm of your Bank, in leveraging thenew & emerging technology platforms for its efficiency& reliability in launching new products that are firstof their kind in the industry, resulted in furtherboosting the customer confidence and perspective.Your Bank acquired the erstwhile The United WesternBank Ltd. in October, 2006 and immediately startedthe process of integration of various activities like HR,Treasury, Cash Management, Technology, Operationsetc. Among the most challenging and complex activitieswas to integrate the heterogeneous technology andoperational processes of the two banks. Your Bankentrusted IDBI Intech Ltd. with the task of systemintegration. IDBI Intech simultaneously integrated 174branches on core banking system of erstwhile TheUnited Western Bank Ltd. to the common platformof IDBI Ltd. It was a complex and challenging projectas both the banks were on different technologyplatforms. With meticulous planning, minute study ofparameters for business requirements and dedicationof all the team members it was ensured that the diversecore banking solutions were integrated successfully.51

Corporate GovernanceYour Bank is committed to upholding the higheststandards of Corporate Governance in itsoperations. The responsibility for maintaining highstandards of governance lies with your Bank’s Boardof Directors and various Committees of the Board,which are empowered to monitor implementation ofthe best Corporate Governance practices includingmaking of necessary disclosures within theframework of legal and regulatory provisions andbanking conventions.In this direction, your Bank is committed to ensurethat the Bank’s Board of Directors continues to beconstituted as per the prescribed norms, meetsregularly, provides effective leadership, exercisescontrol over the management, monitors executiveperformance and makes appropriate disclosures. Inaddition, establishment of a framework of strategiccontrol and continuous reviewing of its efficacy andestablishment of clearly documented and transparentmanagement processes for policy development,implementation and review, decision-making,monitoring, control and reporting are the otherpolicy directives. Your Bank provides free access tothe Board to all relevant information, advices andresources to enable it to carry out its roleeffectively.Board MeetingsDuring the period under review (April 1, 2006 - March31, 2007), a total of 11 Board Meetings were held onApril 21, 2006, May 24, 2006, June 23, 2006, July 19,2006, August 19, 2006, September 21, 2006, October19, 2006, December 11, 2006, January 22, 2007,February 21, 2007 and March 24, 2007. Out of theTable 6 : Directors’ Attendance at the Board Meetings and AGM,their Directorships and Committee MembershipsName of DirectorsAttendance atAttendance atthe Bank’sthe lastBoard MeetingsAGM held(Total No. ofonMeetings held -11) July 19, 2006Directorshipsin othercompaniesACB / S/IGCMemberships/Chairmanshipsin otherCompaniesShri V.P. Shetty, CMD 11 Attended 5 NILShri O.V. Bundellu, DMD 11 Attended 3 2Shri Jitender Balakrishnan, DMD 11 Attended 1 NILShri Vinod Rai 7 Did not Attend 3 NILDr. Ajay Dua 4 Did not Attend NILNILShri Analjit Singh 3 Did not Attend 12 NILSmt. Lila Firoz Poonawalla 10 Attended 5 2Shri K. Narasimha Murthy 11 Attended 1 NILShri R. V. Gupta 8 Did not Attend 6 5Shri H.L Zutshi 10 Attended 1 1Dr. D.Veerendra Heggade 3 Did not Attend NILNILShri A. Sakthivel 8 Attended 3 NIL52

above, 9 meetings were held in Mumbai and 2 meetingsin New Delhi.Details in respect of each Director of your Bankregarding attendance at Board Meetings, attendance atthe last Annual General Meeting (AGM), directorshipsin other companies and memberships of Committeesare given in Table 6.Audit CommitteeAs on March 31, 2007, Audit Committee of the Board(ACB) comprised six members with two DeputyManaging Directors and four Independent Directors.Shri K. Narasimha Murthy, a qualified Chartered-cum-Cost Accountant was the Chairman of the AuditCommittee and S/Shri O.V. Bundellu, JitenderBalakrishnan, DMDs, H.L. Zutshi, R.V. Gupta and Smt.Lila Firoz Poonawalla were the other members. Duringthe period April 1, 2006 to March 31, 2007, the Role& Powers of ACB were in line with the provisions ofrevised Clause 49 of the Listing Agreement, Section292A of the Act and relevant RBI guidelines. Nopersonnel has been denied access to the AuditCommittee. Appointment of Statutory Auditors wasmade with the approval of RBI as per provisions ofthe Banking Regulation Act, 1949. The matters dealtwith by the ACB, inter-alia, included review ofquarterly / half-yearly / annual accounts, Internal AuditReports, compliance of RBI Inspection Reports, etc.ACB met 12 times during the period April 1, 2006 –March 31, 2007 on April 21, 2006, May 24, 2006, July18, 2006, July 19, 2006, September 27, 2006, October19, 2006; December 4, 2006, December 11, 2006,January 9, 2007, January 22, 2007, February 21, 2007and March 24, 2007.Details of attendance of Directors at ACB meetingsare given in Table 7.Remuneration of DirectorsRemuneration and perquisites of the Chairman &Managing Director and Deputy Managing Directors aredecided by Government of India. The details ofremuneration paid to CMD and DMDs are given inTable 8. Other Independent Directors were paid onlysitting fees for each Board / Committee Meetingattended by them @ Rs.5,000 (for Board, ExecutiveCommittee and Audit Committee Meetings) and @Rs.2,500 (for other Committee Meetings of the Board)per meeting. Apart from the remuneration to CMDand DMDs and sitting fees to Independent Directors,no other remuneration was paid to the Directors. Thepecuniary relationship/transactions of Non-ExecutiveDirectors vis-à-vis your Bank have been nil during theperiod under review.Names of DirectorsTable 7 : Directors’ Attendance at ACB MeetingsMeetings held duringthe Member’s tenureMeetings AttendedShri K. Narasimha Murthy 12 12Shri O.V. Bundellu, DMD 12 12Shri Jitender Balakrishnan, DMD 12 12Dr. Ajay Dua (up to May 7, 2006) 1 0Shri R. V. Gupta 12 9Shri H.L Zutshi 12 10Shri A. Sakthivel (up to May 7, 2006) 1 1Smt. Lila Firoz Poonawalla (w.e.f May 8, 2006) 11 1053

Table 8 : Elements of Remuneration of Chairman & Managing Director and Deputy Managing DirectorsSalary & AllowancesShri V.P.Shetty - Rs.26,000 p.m. + 50% of the pay as Dearness PayShri O.V. Bundellu - Rs.22,050 p.m. + 50% of the pay as Dearness PayShri Jitender Balakrishnan - Rs.22,050 p.m. + 50% of the pay as Dearness Pay.EntertainmentShri V.P. Shetty - Actual entertainment subject to a ceiling of Rs.6000 p.a.(membership of club adjustable within the above ceiling)Shri O.V. Bundellu - Actual entertainment subject to a ceiling of Rs.6000 p.a.(membership of club adjustable within the above ceiling)Shri Jitender Balakrishnan - Actual entertainment subject to a ceiling of Rs.6000p.a.(membership of club adjustable within the above ceiling)HousingRent-free furnished accommodation in respect of CMD and DMDs.Leave TravelConcessionFor self and family once in a block of 2 years for visiting any place in India as perentitled class as applicable for official tour in respect of CMD and DMDs.PensionEntitled to draw pension, if any, admissible in the career post (below Board level)as per the rules and regulations of your Bank where the career post is held.GratuityAt the rate of half month’s pay for every completed year of service or more than6 months of service as Chairman & Managing Director/ Deputy Managing Directors.TenureShri V.P. Shetty - Appointed as CMD vide Govt. of India’s Notification F.No. 8/4/2005-IF.I dated March 1, 2005 with effect from March 3, 2005 till the date of hissuperannuation or until further orders, whichever is earlier.Shri O. V. Bundellu - Appointed as DMD vide Govt. of India’s Notification F.No.8/13/2005-IF.I dated March 14, 2006 with effect from March 14, 2006 till the dateof superannuation or until further orders, whichever is the earliest.Shri Jitender Balakrishnan - Appointed as DMD vide Govt. of India’s NotificationF.No. 8/13/2005-IF.I dated March 14, 2006 with effect from March 14, 2006 tillthe date of superannuation or until further orders, whichever is the earliest.Performancelinked incentives /Stock OptionIn view of the recent Government Guidelines for payment of incentives to Bank’sChairman and Whole Time Directors, a Remuneration Committee of the Boardhas been constituted to take a decision regarding grant of performance linkedincentives to the Chairman & Managing Director and Deputy Managing Directors.Grant of such incentives will be subject to the limits prescribed by the CentralGovernment in this regard.54

Risk Management CommitteeThe Risk Management Committee of your Bankconsisted of six members as on March 31, 2007, viz.,Shri V.P. Shetty, CMD, S/Shri O.V. Bundellu, JitenderBalakrishnan, DMDs, K. Narasimha Murthy, Analjit Singhand Smt. Lila Firoz Poonawalla, Directors. TheCommittee assesses various risks associated with thebusiness of your Bank, their mitigation and alsoaddresses the issues relating to asset liability mismatch.During the period April 1, 2006 – March 31, 2007, 4meetings of the Risk Management Committee were heldon July 18, 2006, September 27, 2006, December 11,2006 and March 24, 2007.Shareholders’ / Investors’ Grievance CommitteeAs on March 31, 2007, the Shareholders’ / Investors’Grievance Committee (S/IGC) of your Bank comprisedfive members with two Deputy Managing Directorsand three Independent Non-Executive Directors. ShriR.V. Gupta was the Chairman of S/IGC and S/Shri O.V.Bundellu, Jitender Balakrishnan, DMDs, H.L. Zutshi andK. Narasimha Murthy were the other members.During the period April 1, 2006 – March 31, 2007, 4 S/IGC meetings were held on May 24, 2006, October 19,2006, December 4, 2006 and March 24, 2007.The Committee has been constituted to look into theredressal of shareholders’ and investors’ grievancespertaining to transfer of shares, non-receipt of AnnualReport, non-receipt of declared dividend, etc. Further,to expedite the process of share transfers, an internalcommittee of a Deputy Managing Director and a ChiefGeneral Manager has been set up to approve theMemorandum of Transfers (MoTs) on a weekly basis.Your Bank has named Shri S.N. Baheti, CompanySecretary of the Bank as Chief Compliance Officer.As on April 1, 2006, no investor grievances werepending for redressal and during the period April 1,2006 to March 31, 2007, 51,902 investor grievanceswere received from shareholders / investors by yourBank’s Registrar and Transfer Agents. Of these, 51,737grievances were redressed and 165 grievances werepending for redressal as on March 31, 2007. In respectof shares/bonds, 125 cases of transfers were pendingon April 1, 2006. During the period April 1, 2006 toMarch 31, 2007, 10,988 requests for transfer of shares/bonds were received by your Bank’s Registrar andTransfer Agents. All these were processed and nonewas pending as on March 31, 2007.Executive ve CommitteeApart from the Board, your Bank continues to havean Executive Committee to consider the matters otherthan policy matters and those specifically required tobe considered by the Board and to exercise such otherpowers as delegated to it by the Board. As on March31, 2007, Shri V.P. Shetty, CMD was the Chairman ofthe Committee with S/Shri O.V. Bundellu, JitenderBalakrishnan, DMDs, Vinod Rai, K. Narasimha Murthy,H.L. Zutshi and A. Sakthivel as members. During theperiod April 1, 2006 – March 31, 2007, 11 meetingsof the Executive Committee were held on April 21,2006, May 24, 2006, June 23, 2006, July 19, 2006,August 19, 2006, September 27, 2006, October 19,2006, December 04, 2006, January 22, 2007, February21, 2007 and March 24, 2007.Frauds Monitoring CommitteeA Frauds Monitoring Committee was set up to lookinto fraud related aspects of the Bank. As on March 31,2007, the Committee comprised Shri V.P. Shetty, CMDas Chairman and S/Shri O.V. Bundellu, JitenderBalakrishnan, DMDs, R.V. Gupta, A. Sakthivel and Smt.Lila Firoz Poonawalla as members. The Frauds MonitoringCommittee was constituted on May 24, 2005 and duringthe year its 2 meetings were held on September 27,2006 and February 21, 2007.Customer Service CommitteeTo look into the customer grievances and effectiveservice to customers in the retail banking segment, aCustomer Service Committee was set up by your Bank.As on March 31, 2007, it comprised Shri V.P. Shetty,CMD as Chairman and S/Shri O.V. Bundellu, JitenderBalakrishnan, DMDs, A. Sakthivel and Smt. Lila FirozPoonawalla as members. The Customer ServiceCommittee was constituted on September 30, 2005and during the year, held its 2 meetings on September27, 2006 and March 24, 2007.Information Technology CommitteeIn view of the measures taken by your Bank to set up atechnology platform for rendering various services to theclients; to help in streamlining the approach, launch ofproducts and provision of services, InformationTechnology Committee was set up by your Bank. As onMarch 31, 2007, it comprised Shri V.P. Shetty, CMD as55

Chairman and S/Shri O.V. Bundellu, Jitender Balakrishnan,DMDs, H.L. Zutshi and Smt. Lila Firoz Poonawalla asmembers. The Information Technology Committee wasconstituted on March 4, 2006 and during the year, heldits meeting on March 24, 2007.General Body MeetingsThe last Annual General Meeting (AGM) of your Bankwas held on July 19, 2006. Details of AGMs/EGM of IDBILtd. are given in Table 9.DisclosureNo company was assisted during April 1, 2006 – March31, 2007, in which any of the Directors of your Bankwas interested.Your Bank has complied with the mandatoryrequirements of revised Clause 49 of the ListingAgreement and is also in the process of adopting nonmandatoryrequirements. As regards details of noncompliance/ penalties etc. during the last three years,a penalty of Rs. 5 lakh each was levied by RBI in 2005-06 and 2006-07 respectively for not adhering to normsrelating to Know Your Customer (KYC) and IPOFinancing. However, no penalty was levied in 2004-05.Your Bank has established a whistle blower mechanismand is considering adopting training of directors andevaluation of non-executive directors as well as othernon-mandatory requirements of revised Clause 49 ofthe Listing Agreement.Compliance of the Code of ConductThe Broad of Directors has approved a Code of Conductand Ethics for Directors, officers and Employees of yourBank. In compliance of the requirement of revised Clause49 of the Listing Agreement, a declaration signed byChairman & Managing Director about affirmation ofcompliance of the Code of Conduct by Board membersand Senior Management Personnel of your Bank is asfollows:Declaration by CEOPursuant to the provisions of Clause 49 of the ListingAgreement, it is hereby declared for the information ofall concerned that all the Board Members and SeniorManagement Personnel of IDBI Ltd. have affirmedcompliance with the code of conduct for Directors,Officers and Employees of IDBI Ltd. for the F.Y. 2006-07.Sd/-(V.P.Shetty)Chairman & Managing DirectorApril 3, 2007Table 9 : Details of Annual General Meetings / Extra-Ordinary General MeetingLocation, date and time when the last AGMs andEGM were held1) February 23, 2005 at Nehru Centre Auditorium, Worli,Mumbai - 400 018 at 3.00 p.m. (EGM).2) August 18, 2005 at Nehru Centre Auditorium, Worli,Mumbai - 400 018 at 3.30 p.m. (1 st AGM).3) July 19, 2006 at Nehru Centre Auditorium, Worli,Mumbai - 400 018 at 3.30 p.m. (2 nd AGM).Whether Special Resolutions were passed in thelast AGMYes, a special resolution for appointment of Statutory Auditors ofthe Bank under section 224A of the Companies Act, 1956 waspassed at the last AGM of the Bank held on July 19, 2006.Whether any Special Resolution is proposed tobe conducted through postal ballotWhether Special Resolutions were put throughpostal ballot last year and details of voting patternPerson who conducted the postal ballot exerciseProcedure for postal ballotNo.No.Not applicableNot applicable56

Means of CommunicationApart from providing detailed Annual Report on theworking of your Bank, consisting of Directors’ Report(containing Management Discussion and Analysis) andAnnual Accounts, your Bank regularly brings out itsquarterly results for information of its shareholdersthrough publications thereof in one English languagenewspaper, having nation-wide circulation and in oneregional language newspaper. The aforesaid informationis also placed on your Bank’s website (www.idbi.com)along with the official press release and presentationmade to institutional investors and analysts.The documents referred to but not sent to the personsentitled to receive notice of the Annual GeneralMeeting will be made available for inspection ofshareholders at the registered office of your Bankduring working hours for a period of 21 days beforethe date of AGM.General Shareholders’ InformationDetails of share price movement during April 1, 2006– March 31, 2007 and other general informationrelevant to shareholders are provided in Figure 6,Table 10 and Table 11 respectively.Table 10 : IDBI Ltd.’s Share Price Movement on Bombay Stock Exchange Limited (BSE) : April 2006 - March 2007(Rupees)MonthHighLowApril – ‘06 89.85 79.85May – ‘06 95.65 68.90June – ‘06 67.55 49.90July – ‘06 58.45 49.20August – ‘06 66.05 54.85September – ‘06 82.70 62.15MonthHighLowOctober – ‘06 87.00 78.40November – ‘06 82.55 73.85December – ‘06 84.65 72.45January – ‘07 102.85 75.40February – ‘07 107.60 80.55March – ‘07 81.70 67.65Figure 6 : Share Price of IDBI Ltd. (Rs.) and BSE Sensex – April 2006 – March 200757

Table 11 : General Shareholders’ InformationFinancial Calendar April 1, 2006 to March 31, 2007 as under -Book closure date June 18 to June 22, 2007Record date for dividend June 22, 2007Last date for receipt of proxy forms June 20, 20071) Results for the quarter ended June 30, 2006 were considered onJuly 19, 2006.2) Results for the quarter/half year ended September 30, 2006 wereconsidered on October 19, 2006.3) Results for the quarter/nine months period ended December 31,2006 were considered on January 22, 2007.4) Audited Results for the year ended March 31, 2007 wereconsidered on April 20, 2007.Date, time and venue of AGMJune 22, 2007 at 3.30 p.m. at Nehru Centre Auditorium, Worli,Mumbai 400 018.Dividend payment date By July 20, 2007Probable date of despatch of dividend warrants By July 15, 2007Board Meeting for considering the quarterly resultsListing on Stock ExchangesStock code / SymbolWithin one month of the closure of respective quarter.Bombay Stock Exchange Ltd. (BSE) and The National StockExchange of India Ltd. (NSE)BSE – 116, NSE – EQ – IDBIRegistrar and Transfer Agents Karvy Computershare Pvt. Ltd. (upto April 30, 2007),Investor Services of India Ltd. (from April 30, 2007)Share Transfer systemNumber of shares and convertible instruments heldby Non-Executive DirectorsShare Transfers are approved on weekly basis by an internalcommittee comprising of a Deputy Managing Director and a ChiefGeneral Manager.Nil58

Distribution of ShareholdingThe details of shareholding in your Bank by major categories of shareholders and distribution schedule as atend-March 2007, is presented in Table 12 and Table 13 below:Table 12 : Shareholding Pattern as at end-March 2007Category of ShareholdersNo. of Shares Held% to TotalGovernment of India 381778000 52.71Employees 1964604 0.27Public 102293842 14.12Hindu Undivided Families 1753086 0.24Bodies Corporate 26382826 3.64Institutions 139308555 19.23Societies 28960 0.01Trusts 779861 0.11Insurance Companies 64484898 8.90NRIs 4832596 0.67NSDL (transit) 746860 0.10GRAND TOTAL 724354088 100.00S.NoTable 13 : Distribution Schedule as at end-March 2007CategoryNo. of% to total Amount% to totalFromToShareholdersShareholders(Rs.)Amount1 1 5000 303085 90.36 568254910 7.842 5001 10000 19690 5.87 149193930 2.063 10001 20000 7307 2.18 106878510 1.484 20001 30000 1927 0.57 48892640 0.675 30001 40000 807 0.24 28628720 0.406 40001 50000 671 0.20 31684300 0.447 50001 100000 966 0.29 71689290 0.998 100001 978 0.29 6238318580 86.12& aboveTotal 335431 100.00 7243540880 100.0059

Table 14 : Details of Dematerialisation and Address for CorrespondenceDematerialisation of shares and liquidity The fully paid-up capital of IDBI Ltd. is Rs.724.35 crore comprising of 72.44crore equity shares of Rs.10 each. Out of the total investor base ofapproximately 3.35 lakh, 2.17 lakh investors are holding 31.48 crore sharesin electronic mode. The total number of investors (excluding Governmentof India) holding shares in electronic form works out to 91.90%. IDBI Ltd.scrip is actively traded at BSE and NSE. Listing fees for the year 2006-07has been paid to these Exchanges.Outstanding GDRs/ADRs/ Warrants orconvertible instruments, conversiondate and likely impact on equityPlant LocationsAddress for correspondenceIDBI Ltd. has not issued GDRs/ADRs/Warrants or convertible instruments.Not Applicable. However information about locations of your Bank’sbranches is available on the Bank’s website viz. www.idbi.com.Equity Cell - Board Department, IDBI Ltd.,3 rd floor, IDBI Tower,WTC Complex, Cuffe Parade,Mumbai 400 005Phone – 022 - 66552244Fax – 022 - 2218 23 52E-mail – mn.kamat@idbi.co.inAuditors’ Report on Corporate GovernanceTo the Members ofIndustrial Development Bank of India LimitedWe have examined the Compliance of the conditions of Corporate Governance by Industrial Development Bank ofIndia Limited (herein after referred to as the Bank) for the year ended March 31, 2007 as stipulated in Clause 49 of theListing Agreement of the said Bank with Stock Exchanges in India.The Compliance of conditions of Corporate Governance is the responsibility of the management. Our examination was limitedto a review of the procedures and implementation thereof, adopted by the Bank for ensuring compliance with the conditionsof Corporate Governance. It is neither an audit nor an expression of opinion on the financial statements of the Bank.In our opinion and to the best of our information and according to the explanations given and representations made bythe Directors and the Management, we certify that the Bank has complied with the conditions of Corporate Governanceas stipulated in the above-mentioned Listing Agreement.We state that such compliance is neither an assurance as to the future viability of the Bank nor the efficiency or effectivenesswith which the management has conducted the affairs of the Bank.For Khimji Kunverji & Co.Chartered AccountantsSd/-Shivji K VikamseyPartnerMembership No. 2242Mumbai,April 20, 2007For Suresh Chandra & AssociatesChartered AccountantsSd/-Ved Prakash BansalPartnerMembership No.50036960

Performance of Subsidiary OrganisationsIDBI Capital Market Services LimitedIDBI Capital Market Services Limited (ICMS), a whollyowned subsidiary of your Bank, established in 1993offers a full suite of financial products and services toinstitutional, corporate and retail clients. Its businessesinclude Primary Dealing, Stock Broking, Distributionof Financial Products, Merchant Banking, CorporateAdvisory Services, Debt arranging & underwriting,Portfolio Management of Pension / PF Fund’s &Research services. However, in accordance withrevised RBI guidelines, the primary dealing business hasbeen segregated and IDBI Gilts Limited has beenincorporated as a subsidiary of IDBI, for the purpose.During the year under review, ICMS launched itsinvestment Portal www.idbipaisabuilder.in to help retailinvestors invest in Equity (BSE / NSE / F&O), MutualFunds (15) and IPOs with information / analysis /recommendations provided therein. To enhance itsretail reach across the country, ICMS has tied up withyour Bank as also with Punjab National Bank, Bankof Rajasthan and Oriental Bank of Commerce formarketing its investment portal. This would help buildvalue in the company.ICMS has established itself in the Investment Bankingbusiness having completed seven issues apart fromCorporate Advisory assignments in Project Appraisal,Shares Valuation, Loan Syndication, Debt restructuringetc. It has also made initial forays into Private Equityinvestment. At the same time, it continues to remain amajor player in the PF / Pension Fund Managementwith assets under management of over Rs.13,000 croreand also remains among the top ten Mutual FundDistributors. This has helped the Company to obtainCNBC’s Best National Financial Advisor Award inthe Institutional Category.In view of the adverse conditions / volatility prevailingin debt and equity market and after accounting for arevenue expenditure of Rs.20 crore to establish theretail investment portal, ICMS incurred a net loss ofRs. 18.16 crore during the year.The abridged Balance Sheet and Profit and Loss Accountof ICMS is given in Table 15 and 16 respectively. TheAuditor’s Report in this regard is given at Appendix I.IDBI Homefinance LimitedYour Bank acquired the entire shareholding ofTata Finance Ltd. in Tata Homefinance Ltd. inTable 15 : IDBI Capital Market Services Ltd. – Abridged Balance Sheet (Rs.crore)As at March 31 2006 2007Paid-Up Capital 167.90 157.90Reserves and Surplus 264.39 204.84Borrowings 252.79 0.00Current Liabilities and Provisions 44.34 23.35Deferred Tax Liability 1.96 2.22Total Liabilities 731.38 388.31Total Assets 731.38 388.31Table 16 : IDBI Capital Market Services Ltd. – Abridged Profit and Loss Account(Rs.crore)For the year ended March 31 2006 2007Total income 125.67 40.81Total Expenditure 74.18 58.49Profit/(Loss) Before Tax 51.49 (17.69)Profit/(Loss) After Tax 46.29 (18.16)61

Table 17 : IDBI Homefinance Ltd. – Abridged Balance Sheet(Rs.crore)As at March 31 2006 2007Paid Up Capital 109.98 129.98Reserves and Surplus 16.97 30.26Borrowings 1560.82 2157.16Total Liabilities 1687.77 2317.40Loans 1516.93 2146.95Net Fixed Assets 5.60 5.41Defer Tax Asset 0.88 2.12Net Current Assets 164.31 162.89Misc Expenditure 0.05 0.03Total Assets 1687.77 2317.40Table 18 : IDBI Homefinance Ltd. – Abridged Profit and Loss Account(Rs.crore)For the year ended March 31 2006 2007Interest income 100.44 169.62Interest expenses 71.51 132.09Net interest income 28.93 37.53Fees and Other income 9.38 16.58Total income 38.31 54.11Total expenditure 18.12 21.09Provisions 1.65 3.40Profit/(Loss) Before Tax 18.54 29.62Profit/(Loss) After Tax 14.43 23.12September 2003. Later, the name of the company waschanged to IDBI Homefinance Ltd. Over the years, thecompany has taken steps to enhance its retail reach,strengthen brand image, improve asset quality, achievebusiness growth etc. The authorized capital of thecompany has been increased from Rs.150 crore toRs.200 crore. During the year, IHFL’s outstanding loanportfolio increased by Rs.630 crore from Rs.1517 croreto Rs.2147 crore, registering a growth of 42%.The abridged Balance Sheet and Profit and Loss Accountof IDBI Homefinance Ltd. are given in Table 17 and 18respectively. The Auditor’s Report in this regard is givenat Appendix II.As on March 31, 2007, IHFL’s Capital Adequacy Ratio(CAR) was 13.92%, while its debt-equity ratio stoodat 13.69 :1. Net NPA level as on March 31, 2007reduced by 0.31% to 0.69% as compared to 1.0% ason March 31, 2006.IDBI Intech Ltd.IDBI Intech Ltd. (IIL) was established by your Bank inMarch 2000, as a wholly-owned subsidiary toundertake activities in the Information Technologysector. Consequent upon your Bank’s conversion intoa commercial bank and subsequent merger of theerstwhile IDBI Bank Ltd. with itself, IIL’s operationalhorizon was expanded to take care of IT needs ofyour Bank and its group companies. During the yearunder review, IIL signed Advisory and ConsultancyAgreement with your Bank and also received anassignment from your Bank for end-to-end system62

Table 19 : IDBI Intech Ltd. – Abridged Balance Sheet(Rs.crore)As at March 31 2006 2007Paid Up Capital 13.13 13.13Accumulated Losses 11.06 4.81Current Liabilities and Provisions 0.46 2.63Total Liabilities 2.53 10.95Total Assets 2.53 10.95Table 20 : IDBI Intech Ltd. – Abridged Profit and Loss Account(Rs.crore)For the year ended March 31 2006 2007Total income 0.27 7.68Total Expenditure 4.13 3.24Profit/(Loss) Before Tax (3.86) 4.44Profit/(Loss) After Tax (3.81) 6.55integration of TC-4 (Core Banking Solution used byerstwhile The United Western Bank Ltd.) with Finacle.During the year, IIL recorded total income ofRs. 7.68 crore from IT and Software services.The abridged Balance Sheet and Profit and Loss Accountof IDBI Intech Ltd. are given in Table 19 and 20respectively. The Auditor’s Report in this regard is givenat Appendix III.IDBI Gilts Ltd.IDBI Gilts Ltd. was set up as a wholly-ownedsubsidiary of your Bank to undertake PrimaryDealership (PD) Business with an authorized capitalof Rs.200 crore. The company was incorporated inDecember 2006 and obtained Certificate forCommencement of Business in February 2007. ThePD business from IDBI Capital Market Services Ltd.(ICMS) would be segregated and transferred to IDBIGilts Ltd. IDBI Gilts Ltd. will focus on Bond trading,underwriting in auctions of primary issuance ofGovernment dated securities and treasury bills. Inaddition, the company also plans to be a major playerin the interest rate and credit derivatives market. Theabridged Balance Sheet of IDBI Gilts Ltd. is given inTable 21. As the Company was not operationalduring FY 2006-07, IDBI Gilts Ltd. does not haveProfit & Loss Account for the year. The Auditor’sReport in this regard is given at Appendix IV.Table 21 : IDBI Gilts Limited – Abridged Balance Sheet(Rs. lakh)As at March 31 2007Share Capital 500.00Total Liabilities 500.00Cash & Bank Balances 500.00Less: Current Liabilities & Provisions 141.59Net Current Assets 358.41Miscellaneous Expenditure 141.59Total Assets 500.0063

Future ProspectsThe strong growth of the Indian economy providesincreased opportunities for your Bank to increase itspresence both in width as well as in depth. Your Bankwill capitalise on its intimate knowledge of Indianeconomy to participate in this growth process in ameaningful manner. Your Bank also has deepunderstanding of the financial markets, both Indian andglobal, which enables it to initiate appropriate strategiesto assess and mitigate key risks. However, in acompetitive environment, growth needs to beaccompanied by increased efficiency by reaping thebenefits of the economies of scope and scale. Onlythen growth would have a positive impact on thebottomline. Your Bank has already consolidated itsposition through the amalgamation of its erstwhilesubsidiary followed by the further amalgamation of theerstwhile The United Western Bank Ltd.Going forward, as part of its growth strategy, yourBank will give thrust to both retail as well ascorporate business, apart from pursuing its mandatedrole of providing development finance. Growthwould also come from the SME and agri-businesssegments, which are emerging areas in your Bank’sbusiness landscape. Your Bank is also entering intonew businesses and geographic landscape includingembarking on international presence. These efforts,together, would enable your Bank to move closerto achieving its long-term vision and bring benefitsto all the stakeholders.64

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚððòâðòÙð¾÷À ¨÷î çðÇçÚðð÷ü ¨÷î òâð¦ âð÷®ðð ÑðÜóêð¨îð÷ü¨îó òÜÑðð÷¾áIndustrial Development Bank of India LimitedReport of the Auditors to the Membersof Industrial Development Bank of IndiaLimitedèÙðÐð÷ ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À(×ðøȨî) ¨÷î 31 Ùððμðá 2007 ¨÷î çðüâð±Ðð ÃðôâðÐð Ñðëð ÃðÆðð £çð¨÷î çððÆðçðüâð±Ðð £çðó ÃððÜó®ð ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î âððØð-èðòÐð âð÷®ð÷ ¡ðøÜÐð¨îÇó Ñßãððè òãðãðÜÂð ¨îó âð÷®ðð ÑðÜóêðð ¨îó èø.ýÐð òãðÄðóÚð òãðãðÜÂðð÷ü ¨÷î òâð¦ ×ðøÈ¨î ¨îð Ñß×ðüÏðÐð £ÄðÜÇðÚðó èø.èÙððÜó ò¸ðÙÙð÷ÇðÜó èÙððÜ÷ ÎðÜð ¨îó ±ðýá âð÷®ðð ÑðÜóêðð ¨÷î ¡ðÏððÜÑðÜ ýÐð òãðÄðóÚð òãðãðÜÂðð÷ü ÑðÜ ¡ÑðÐðó ÜðÚð Ç÷Ððð èø. èÙðÐð÷ Úðèâð÷®ðð ÑðÜóêðð ØððÜÃð Ùð÷ü çððÙððÐÚðÃðÚðð ÙððÐÚð âð÷®ðð ÑðÜóêðð ÙððÐð¨îð÷ü¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ ¨îó èø. ýÐð ÙððÐð¨îð÷ü Ùð÷ü Úðè ¡Ñð÷òêðÃð èøò¨î èÙð ¡ÑðÐðó âð÷®ðð ÑðÜóêðð ¨îð÷ ýçð ÑߨîðÜ òÐðÚðð÷ò¸ðÃð ¡ðøÜòÐðæÑððòÇÃð ¨îÜ÷ü ò¨î Ãð¨áî ÑðõÂðá ÞÑð çð÷ Úðè çðôòÐðòäμðÃð ò¨îÚðð ¸ððçð¨÷î ò¨î ýÐð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü ò¨îçðó ÑߨîðÜ ¨îó ¨îð÷ýá ÙðèÃãðÑðõÂðá¸ððÐð¨îðÜó ØßðÙð¨î ÐðèóÈ èø. âð÷®ðð ÑðÜóêðð ¨÷î ¡üÃð±ðáÃð ÑßÚðô©ÃðòãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü ÜðòäðÚðð÷ü ¦ãðü Ñߨî¾ó¨îÜÂð ¨îð÷ ÑßÙððòÂðÃð ¨îÜÐð÷ãððâð÷ çððêÚðð÷ü ¨îó ÑðÜóêðÂð ¡ðÏððÜ ÑðÜ ¸ððüμð ¨îÜÐðð äððòÙðâð èø.âð÷®ðð ÑðÜóêðð ¨÷î ¡üÃð±ðáÃð ÑßÚðô©Ãð âð÷®ðð¨üîÐð òçðÊðÐÃðð÷ü ¦ãðü Ñß×ðüÏðÐðÎðÜð ò¨îÚð÷ ±ðÚð÷ ÙðèÃãðÑðõÂðá ¡ÐðôÙððÐðð÷ü ¨îð ¡ð¨îâðÐð, çððÆð èóçðÙð±ß òãðÄðóÚð òãðãðÜÂðð÷ü ¨÷î ÑßçÃðôÃðó¨îÜÂð ¨îð ÙðõâÚððü¨îÐð ¨îÜÐððØðó äððòÙðâð èø. èÙð÷ü òãðäãððçð èø ò¨î èÙððÜ÷ ÎðÜð ¨îó ±ðýá âð÷®ððÑðÜóêðð èÙððÜ÷ ¡òØðÙðÃð ¨÷î òâ𦠦¨î Ãð¨áîçðü±ðÃð ¡ðÏððÜ ÑßÇðÐð¨îÜÃðó èø.ÃðôâðÐð Ñðëð ÃðÆðð âððØð-èðòÐð âð÷®ðð ¨üîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 ¨îóÏððÜð 211 ¨÷î çððÆð Ñðò¿Ãð ×ðøȨî¨îðÜó òãðòÐðÚðÙðÐð ¡òÏðòÐðÚðÙð, 1949¨îó ÏððÜð 29 ¨÷î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçððÜ ÃðøÚððÜ ò¨îÚð÷ ±ðÚð÷ èøÈ.èÙð Úðè òÜÑðð÷¾á Ç÷Ãð÷ èøÈ ò¨î1. âð÷®ðð ÑðÜóêðð ¨÷î òâð¦ èÙððÜó ¡òÏð¨îÃðÙð ¸ððÐð¨îðÜó ¡ðøÜòãðäãððçð ¨÷î ¡ÐðôçððÜ ¸ðð÷ ¸ððÐð¨îðÜó ¡ðøÜ çÑðæ¾ó¨îÜÂð¡ðãðäÚð¨î Æð÷, ãð÷ çð×ð èÙðÐð÷ ÑßðÑÃð ò¨îÚð÷ èøÈ ¡ðøÜ ãð÷çðüÃðð÷æð¸ðÐð¨î èøÈ.We have audited the attached Balance Sheet of theIndustrial Development Bank of India Limited(the Bank) as at March 31, 2007, as also the Profitand Loss Account and the Cash Flow Statement ofthe Bank for the year ended on that date annexedthereto.These financial statements are the responsibility ofthe Bank’s management. Our responsibility is toexpress an opinion on these financial statementsbased on our audit. We conducted our audit inaccordance with the auditing standards generallyaccepted in India. Those standards require that weplan and perform the audit to obtain reasonableassurance about whether the financial statementsare free of material misstatement. An audit includesexamining, on a test basis, evidence supporting theamounts and disclosures in the financial statements.An audit also includes assessing the accountingprinciples used and significant estimates made bythe management, as well as evaluating the overallfinancial statement presentation. We believe thatour audit provides a reasonable basis for ouropinion.The Balance Sheet and Profit and Loss Accounthave been drawn up in accordance with theprovisions of Section 29 of the Banking RegulationAct, 1949 read with Section 211 of the CompaniesAct, 1956.We report that1. We have obtained all the information andexplanations, which, to the best of ourknowledge and belief, were necessary for thepurposes of our audit and have found them tobe satisfactory.2. The transactions of the Bank which have cometo our notice have been within the powers of65

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À2. ×ðøÈ¨î ¨÷î çðüãÚðãðèðÜ, ¸ðð÷ èÙððÜ÷ ÏÚððÐð Ùð÷ü ¡ð¦ èøÈ, ×ðøÈ¨î ¨îóäðò©ÃðÚðð÷ü ¨÷î ¡üÃð±ðáÃð Æð÷.3. ×ðøÈ¨î ¨÷î ¨îðÚððáâðÚðð÷ü ãð äðð®ðð¡ð÷ü çð÷ ÑßðÑÃð òãðãðÜòÂðÚððü èÙððÜóâð÷®ðð ÑðÜóêðð ¨÷î ÑßÚðð÷¸ðÐððÆðá ÑðÚððáÑÃð Ñððýá ±ðýá èøÈ.4. èÙððÜó ÜðÚð Ùð÷ü, ×ðøȨî Ðð÷ òãðòÏð ÎðÜð ¡Ñð÷òêðÃð £òμðÃð âð÷®ðð×ðòèÚððü Ü®ðó èøÈ ¸ðøçðð ò¨î £Ðð ×ðòèÚðð÷ü ¨îó èÙððÜó ¸ððüμð çð÷ÑðÃðð μðâðÃðð èø ¡ðøÜ ¨îðÚððáâðÚðð÷ü ãð äðð®ðð¡ð÷ü, ò¸ðÐð¨îðèÙðÐð÷ ÇðøÜð ÐðèóÈ ò¨îÚðð èø, çð÷ èÙððÜó âð÷®ðð ÑðÜóêðð ¨÷î òâð¦ÑðÚððáÑÃð £ÑðÚðô©Ãð òãðãðÜòÂðÚððü ÑßðÑÃð èôýá èøÈ.5. ýçð òÜÑðð÷¾á Ùð÷ü òãðμððÜ ò¨îÚð÷ ±ðÚð÷ ×ðøÈ¨î ¨îð ÃðôâðÐð Ñðëð, âððØðèðòÐðâð÷®ðð ¡ðøÜ Ðð¨îÇó Ñßãððè òãðãðÜÂð âð÷®ðð ×ðòèÚðð÷ü ¡ðøÜòãðãðÜòÂðÚðð÷ü çð÷ Ùð÷âð ®ððÃð÷ èøÈ.6. èÙððÜó ÜðÚð Ùð÷ü ýçð òÜÑðð÷¾á Ùð÷ü òãðμððÜ ò¨îÚðð ±ðÚðð ÃðôâðÐð Ñðëð,âððØð-èðòÐð âð÷®ðð ¡ðøÜ Ðð¨îÇó Ñßãððè òãðãðÜÂð, ØððÜÃðóÚðòܺðãðá ×ðøȨî ÎðÜð ¸ððÜó Ùðð±ðáòÐðÇ÷áäðð÷ü ¨÷î çððÆð Ñðò¿Ãð ¨üîÑðÐðó¡òÏðòÐðÚðÙð, 1956 ¨îó ÏððÜð 211 ¨îó £Ñð ÏððÜð 3(çðó) Ùð÷ü£òââðò®ðÃð âð÷®ðð ÙððÐð¨îð÷ü, ¸ðèðü Ãð¨î ãð÷ ×ðøȨî ÑðÜ âðð±ðõ èð÷Ãð÷èøÈ, ¨îð ÑððâðÐð ¨îÜÃð÷ èøÈ.7. ØððÜÃð çðܨîðÜ ¨÷î ¨üîÑðÐðó ¨îðÚðá òãðØðð±ð ÎðÜð 21 ¡©Ãðõ×ðÜ2003 ¨îó ¡òÏðçðõμðÐðð çðü. ¸ðó.¦çð.¡ðÜ.829 (ýá) ¨÷î ¡ÐðôçððܨüîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 ¨îó ÏððÜð 274 (1) (¸ðó) ¨÷îÑßðãðÏððÐð âðð±ðõ ÐðèóÈ èð÷Ãð÷ èøÈ .8. èÙððÜó ÜðÚð Ùð÷ü ¡ðøÜ èÙððÜó ¡òÏð¨îÃðÙð ¸ððÐð¨îðÜó ÃðÆðð èÙð÷üòÇÚð÷ ±ðÚð÷ çÑðæ¾ó¨îÜÂðð÷ü ¨÷î ¡ÐðôçððÜ, £©Ãð òãðÄðóÚð òãðãðÜÂð×ðøȨî¨îðÜó òãðòÐðÚðÙðÐð ¡òÏðòÐðÚðÙð, 1949 ÃðÆðð ¨üîÑðÐðó¡òÏðòÐðÚðÙð, 1956 ÎðÜð ¡Ñð÷òêðÃð ¸ððÐð¨îðÜó ×ðøÈò¨üî±ð ¨üîÑðòÐðÚðð÷ü¨÷î òâ𦠡Ñð÷òêðÃð ÞÑð Ùð÷ü Ç÷Ãð÷ èøÈ ÃðÆðð ØððÜÃð Ùð÷ü çððÙððÐÚðÃðÚððÙððÐÚð âð÷®ðð òçðÊðÐÃðð÷ü ¨÷î ¡ÐðôÞÑð òÐðÙÐðòâðò®ðÃð ¨îó çðμμðó¦ãðü çðèó òçÆðòÃð ÇäððáÃð÷ èøÈ.¨î) ÃðôâðÐð Ñðëð ¨÷î ÙððÙðâð÷ Ùð÷ü, 31 Ùððμðá 2007 ¨îð÷ ×ðøÈ¨î ¨÷î¨îðÙð¨îð¸ð ¨îó òçÆðòÃð.the Bank.3. The returns received from the offices andbranches of the Bank have been found adequatefor the purposes of our audit.4. In our opinion, proper books of account asrequired by law have been kept by the Bankso far as appears from our examination ofthose books and proper returns adequate forthe purpose of our audit have been receivedfrom offices and branches not visited by us.5. The Bank’s Balance Sheet, Profit and LossAccount and Cash Flow Statement dealt withby this report are in agreement with thebooks of account and the returns.6. In our opinion, the Balance Sheet, Profit andLoss Account and Cash Flow Statement dealtwith by this report comply with the AccountingStandards referred to in sub-section 3(C) ofSection 211 of the Companies Act, 1956 readwith guidelines issued by the Reserve Bank ofIndia in so far as they apply to the Bank.7. The provisions of Section 274(1)(g) of theCompanies Act, 1956 are not applicable interms of Notification No.G.S.R.829 (E) dated-October 21, 2003 issued by Department ofCompany Affairs, Government of India.8. In our opinion and to the best of ourinformation and according to the explanationsgiven to us, the said financial statements givethe information required by the BankingRegulation Act, 1949 as well as the CompaniesAct, 1956 in the manner so required forbanking companies and give a true and fairview in conformity with the accountingprinciples generally accepted in India.a) In the case of the Balance Sheet, of thestate of affairs of the Bank as on March31, 2007;66

Industrial Development Bank of India Limited®ð) âððØð-èðòÐð âð÷®ð÷ ¨÷î ÙððÙðâð÷ Ùð÷ü, ¦÷çð÷ âð÷®ðð÷ü Ùð÷ü äððòÙðâð¨îó ±ðýá 31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î âððØð ¨îðçðèó äð÷æð ÇäððáÃðð èø ¡ðøܱð) Ðð¨îÇó Ñßãððè òãðãðÜÂð ¨÷î ÙððÙðâð÷ Ùð÷ü, 31 Ùððμðá 2007¨îð÷ çðÙððÑÃð ãðæðá ¨÷î Ðð¨îÇó Ñßãððè.b) In the case of the Profit and Loss Account,the same shows a true balance of Profitfor the year ended March 31, 2007covered by such accounts; andc) In the case of the Cash Flow Statement,of the cash flows for the year endedMarch 31, 2007.¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨îü.çðÐðÇó âð÷®ðð¨îðܨöîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðçðÐðÇó âð÷®ðð¨îðÜFor Khimji Kunverji & Co. For Suresh Chandra & AssociatesChartered Accountants Chartered Accountantsòäðãð¸ðó ¨÷î. òãð¨îÙðçðóãð÷Ç Ñߨîðäð ×ðüçðâðçðð»ð÷ÇðÜçðð»ð÷ÇðÜçðÇçÚðÃðð çðü®Úðð : 2242 çðÇçÚðÃðð çðü®Úðð : 500369Ùðôü×ðýá20 ¡Ñßøâð 2007Shivji K. VikamseyVed Prakash BansalPartnerPartnerMembership No. 2242 Membership No. 500369MumbaiApril 20, 200767

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À31 Ùððμðá 2007 ¨îð ÃðôâðÐð-Ñðëð / Balance Sheet as at March 31, 2007(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006Schedule As on 31-Mar-07 As on 31-Mar-06Ñðõü¸ðó ¡ðøÜ Ç÷ÚðÃðð¦üCAPITAL AND LIABILITIESÑðõü¸ðó / Capital 1 724 35 41 723 79 46òܺðãðá ¡ðøÜ ¡òÏðäð÷æð / Reserves and Surplus 2 7575 10 71 5647 38 85×ð¨îðÚðð ¨îÙðáμððÜó ç¾ðù¨î òãð¨îâÑð (¡ÐðôÇðÐð)Employees’ stock options (grants) outstanding 40 13 87 59¸ðÙððÜðòäðÚððü / Deposits 3 43354 04 14 26000 91 64£ÏððÜ ÜðòäðÚððü / Borrowings 4 42404 37 56 47530 20 57¡ÐÚð Ç÷ÚðÃðð¦ü ¦ãðü ÑßðãðÏððÐð / Other Liabilities and Provisions 5 9781 04 43 8661 59 99--------------------------------- ---------------------------------¨ôîâð / TOTAL 103839 32 38 88564 78 10============ ============¡ðòçÃðÚððü / ASSETSÐð¨îÇó ¡ðøÜ ØððÜÃðóÚð òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æðCash and balances with Reserve Bank of India 6 5406 47 11 2680 09 49×ðøü¨îð÷ü ¨÷î Ñððçð äð÷æð ¡ðøÜ Ùððü±ð ÃðÆðð ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð ÜðòäðBalances with banks and money at call and short notice 7 1504 61 84 2682 68 65òÐðãð÷äð / Investments 8 25675 31 19 25350 52 63¡ò±ßÙð / Advances 9 62470 82 26 52739 06 78¡μðâð ¡ðòçÃðÚððü / Fixed Assets 10 2778 36 65 810 90 19¡ÐÚð ¡ðòçÃðÚððü / Other Assets 11 6003 73 33 4301 50 36--------------------------------- ---------------------------------¨ôîâð / TOTAL 103839 32 38 88564 78 10============ ============¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦ü / Contingent Liabilities 12 108527 82 49 77020 05 84ãðçðõâðó è÷Ãðô ò×ðâð / Bills for collection 2405 15 12 1519 43 60ÙðèÃãðÑðõÂðá âð÷®ðð ÐðóòÃðÚððü ÃðÆðð âð÷®ðð÷ü ÑðÜ ò¾ÑÑðòÂðÚððü âð÷®ðð÷ü ¨÷î ¡òØðÐÐð Øðð±ð ¨÷î ÞÑð Ùð÷È èøÈSignificant Accounting Policies and Notes to accountsform an integral part of the accounts 17 &18×ðð÷Àá ¨÷î ¡ðÇ÷äððÐðôçððÜBY ORDER OF THE BOARD(¨÷î. ÐðÜòçðÙè ÙðõòÃðá) (¡ð÷. ãðó. ×ðôÐÇ÷âðõ) (ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð) (ãðó. Ñðó. äð÷¾þ¾ó)(K. Narasimha Murthy) (O.V. Bundellu) (Jitender Balakrishnan) (V. P. Shetty)òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îDirector Dy. Managing Director Dy. Managing Director Chairman & Managing Director¡ð¸ð ¨îó ÃððÜó®ð ¨îó èÙððÜó çðüâð±Ðð òÜÑðð÷¾á ¨÷î ¡ÐðôçððÜAs per our report attached of even date¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨üî.For Khimji Kunverji & Co.çðÐðÇó âð÷®ðð¨îðÜChartered Accountants¨öîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðFor Suresh Chandra & AssociatesçðÐðÇó âð÷®ðð¨îðÜChartered Accountants(òäðãð¸ðó ¨÷î. òãð¨îÙðçðó) (ãð÷Ç Ñߨîðäð ×ðüçðâð) (¦âð. Ñðó. ¡±ßãððâð)(Shivji K. Vikamsey) (Ved Prakash Bansal) (L. P. Aggarwal)çðð»ð÷ÇðÜ çðð»ð÷ÇðÜ ¨îðùÜÑðð÷Ü÷¾ ÑßÙðô®ð - òãðÄðóÚð ¡òÏð¨îðÜóPartner Partner Corporate Head - Financial OfficerçðÇçÚðÃðð çðü. 2242 çðÇçÚðÃðð çðü. 500369Membership No. 2242 Membership No. 500369Ùðôü×ðýá, 20 ¡Ñßøâð 2007Mumbai, April 20, 200768

Industrial Development Bank of India Limited31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨îð âððØð-èðòÐð âð÷®ððProfit and Loss Account for the year ended March 31, 2007(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSchedule Year ended Year ended31-Mar-07 31-Mar-06I. ¡ðÚð / INCOME¡ò¸ðáÃð ×Úðð¸ð / Interest earned 13 6345 41 92 5380 71 85¡ÐÚð ¡ðÚð / Other income 14 1027 18 34----------------------------1280 44 92----------------------------¨ôîâð / TOTAL 7372 60 26 6661 16 77========== ==========II. ¨¡¸¡¸ / EXPENDITURE×Úðð¸ð ®ðμðá / Interest expended 15 5687 49 00 5000 82 47ÑðòÜμððâðÐð ãÚðÚð / Operating expenses 16 778 46 62 859 48 22¡çÆððÚðó ÑßðãðÏððÐð ¨îð çðÙððÚðð÷¸ðÐð (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 2 Ç÷®ð÷ü)Adjustment of floating provision (Refer Schedule 18 note 2)çðÙððÚðð÷ò¸ðÃð ±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃðÚððüNon-performing assets adjusted – 2029 31 00³ð¾ð¦ü: ¡çÆððÚðó ÑßðãðÏððÐð çð÷ ¡ðèòÜÃð ÜðòäðLess: withdrawn from Floating Provision – (2029 31 00)ÑßðãðÏððÐð ¦ãðü ¡ð¨îòçÙð¨îÃðð¦üProvisions and contingencies 276 33 70----------------------------239 97 34----------------------------¨ôîâð / TOTAL 6742 29 32 6100 28 03========== ==========III. âððØð / èðòÐð PROFIT / LOSSãðæðá ¨îð òÐðãðâð âððØð / (èðòÐð) / Net profit / (loss) for the year 630 30 94 560 88 74¡ð±ð÷ âððÚðð ±ðÚðð âððØð / (èðòÐð) / Profit / (loss) brought forward 1030 71 03 787 44 91òÐðãð÷äð ³ð¾-×ðÁÿ« òܺðãðá, äð÷æð ¡üÃðòÜÃðInvestment Fluctuation Reserve, balance transferred – 392 00 00¡ðýáÀó×ðó¡ðýá ¦ò©ºðÙð (¸ð÷) òãðäð÷æð òÐðòÏð, äð÷æð ¡üÃðòÜÃðIDBI EXIM (J) Special Fund, balance transferred 1 69 15----------------------------–----------------------------¨ôîâð / TOTAL 1662 71 12==========1740 33 65==========IV. ¹¨¸¹›¸¡¸øŠ¸ / APPROPRIATIONSçððüòãðòÏð¨î òܺðãðá Ùð÷ü ¡üÃðÜÂð / Transfer to Statutory Reserve 158 00 00 140 22 19Ñðõü¸ðó±ðÃð òܺðãðá Ùð÷ü ¡üÃðÜÂð / Transfer to Capital Reserve 11 00 00 –çððÙððÐÚð òܺðãðá Ùð÷ü ¡üÃðÜÂð / Transfer to General Reserve 1 69 15 392 00 00¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 36(1) (viii) ¨÷î ¡ÐÃð±ðáÃð òãðäð÷æð òܺðãðá Ùð÷ü ¡üÃðÜÂðTransfer to Special Reserve under section 36(1)(viii) of the Income Tax Act, 1961 50 00 00 50 00 00ç¾ðÒî ¨îâÚððÂð òÐðòÏð Ùð÷ü ¡üÃðÜÂð / Transfer to Staff Welfare Fund – 3 50 00±ðÃð òãðÄðóÚð ãðæðá ¨îð âððØððüäð / Dividend for previous financial year – 10 83ÑßçÃððòãðÃð âððØððüäð / Proposed Dividend 108 65 31 108 56 92ÑßçÃððòãðÃð âððØððüäð ÑðÜ ¨îÜ / Tax on proposed dividend 18 46 56 15 22 68äð÷æð Üðòäð ÃðôâðÐð Ñðëð Ùð÷ü âð÷ ¸ððýá ±ðýá / Balance carried over to balance sheet 1314 90 10----------------------------1030 71 03----------------------------¨ôîâð / TOTAL 1662 71 12 1740 33 65========== ==========69

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨îð âððØð-èðòÐð âð÷®ððProfit and Loss Account for the year ended March 31, 2007(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSchedule Year ended Year ended31-Mar-07 31-Mar-06ÙðèÃãðÑðõÂðá âð÷®ðð ÐðóòÃðÚððü ÃðÆðð âð÷®ðð÷ü ÑðÜ ò¾ÑÑðòÂðÚððü âð÷®ðð÷ü ¨÷î ¡òØðÐÐð Øðð±ð ¨÷î ÞÑð Ùð÷È èøÈSignificant Accounting Policies and Notes toAccounts form an integral part of the Accounts 17 & 18ÑßòÃð äð÷ÚðÜ ¡ðÚð (Ý.) [(¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 17 Ç÷®ð÷ü)]Earnings per share (Rs.) [refer Schedule 18 note 17]Ùðõâð / Basic 8.70 7.76ÐÚðõÐðó¨öîÃð / Diluted 8.70 7.74×ðð÷Àá ¨÷î ¡ðÇ÷äððÐðôçððÜBY ORDER OF THE BOARD(¨÷î. ÐðÜòçðÙè ÙðõòÃðá) (¡ð÷. ãðó. ×ðôÐÇ÷âðõ) (ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð) (ãðó. Ñðó. äð÷¾þ¾ó)(K. Narasimha Murthy) (O.V. Bundellu) (Jitender Balakrishnan) (V. P. Shetty)òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îDirector Dy. Managing Director Dy. Managing Director Chairman & Managing Director¡ð¸ð ¨îó ÃððÜó®ð ¨îó èÙððÜó çðüâð±Ðð òÜÑðð÷¾á ¨÷î ¡ÐðôçððÜAs per our report attached of even date¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨üî.For Khimji Kunverji & Co.çðÐðÇó âð÷®ðð¨îðÜChartered Accountants¨öîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðFor Suresh Chandra & AssociatesçðÐðÇó âð÷®ðð¨îðÜChartered Accountants(òäðãð¸ðó ¨÷î. òãð¨îÙðçðó) (ãð÷Ç Ñߨîðäð ×ðüçðâð) (¦âð. Ñðó. ¡±ßãððâð)(Shivji K. Vikamsey) (Ved Prakash Bansal) (L. P. Aggarwal)çðð»ð÷ÇðÜ çðð»ð÷ÇðÜ ¨îðùÜÑðð÷Ü÷¾ ÑßÙðô®ð - òãðÄðóÚð ¡òÏð¨îðÜóPartner Partner Corporate Head - Financial OfficerçðÇçÚðÃðð çðü. 2242 çðÇçÚðÃðð çðü. 500369Membership No. 2242 Membership No. 500369Ùðôü×ðýá, 20 ¡Ñßøâð 2007Mumbai, April 20, 200770

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü / Schedules forming part of Accounts(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 1 - Ñðõü¸ðó ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 1 - CAPITAL As on 31-Mar-07 As on 31-Mar-06ÑßðòÏð¨öîÃð Ñðõü¸ðóÑßòÃð 10/- ÝÑðÚð÷ ¨÷î 125 00 00 000 ýò©ãð¾ó äð÷ÚðÜAuthorised Capital125 00 00 000 Equity Shares of Rs.10/- each 1250 00 00 1250 00 00---------------------------- ------------------------------1250 00 00 1250 00 00========== ===========òÐð±ðáòÙðÃð, ¡òØðÇÄð ¡ðøÜ ÑßÇÄð Ñðõü¸ðóIssued, Subscribed and Paid-up CapitalÑßòÃð 10/- ÝÑðÚð÷ ¨÷î ÑðõÂðáÃð: ÑßÇÄð 72 43 54 088 (72 37 94 603) ýò©ãð¾ó äð÷ÚðÜ72 43 54 088 (72 37 94 603) Equity Shares of Rs.10/- each fully paid up 724 35 41 723 79 46ÑßÚðð÷±ð ò¨î¦ ±ð¦ ýáçððùÑð ¨÷î ¡üÃð±ðáÃð ãðæðá ¨÷î ÇðøÜðÐð ¡ð×ðüò¾Ãð 5 59 485 (20 19 581) ýò©ãð¾ó äð÷ÚðÜ5 59 485 (20 19 581) Equity Shares alloted during the year against ESOPs excercised---------------------------- ------------------------------¨ôîâð / TOTAL 724 35 41 723 79 46========== ===========¡Ððôçðõμðó 2 - òܺðãðá ¡ðøÜ ¡òÏðäð÷æð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 2 - RESERVES AND SURPLUS As on 31-Mar-07 As on 31-Mar-06I. çððüòãðòÏð¨î òܺðãðá / Statutory ReserveÑßðÜüòØð¨î äð÷æð / Opening balance 314 08 18 173 85 99ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 158 00 00 140 22 19ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – –---------------------------- ------------------------------472 08 18 314 08 18========== ===========II. Ñðõü¸ðó±ðÃð òܺðãðá / Capital ReserveÑßðÜüòØð¨î äð÷æð / Opening balance 178 32 66 178 32 66ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 11 00 00 –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – –---------------------------- ------------------------------189 32 66 178 32 66========== ===========III. ÑðôÐðÙðõáâÚðÐð òܺðãðá / Revaluation ReserveÑßðÜüòØð¨î äð÷æð / Opening balance – –ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 4 Ç÷®ð÷ü)Additions during the year (Refer Schedule 18 Note 4) 2063 91 00 –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – –---------------------------- ------------------------------2063 91 00 –========== ===========IV. äð÷ÚðÜ ÑßóòÙðÚðÙð / Share PremiumÑßðÜüòØð¨î äð÷æð / Opening balance 1756 13 52 1749 30 00ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 2 02 61 6 83 52ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – –---------------------------- ------------------------------1758 16 13 1756 13 52========== ===========V. Üð¸ðçãð ãð ¡ÐÚð òܺðãðá / Revenue and other reserves¨î. çððÙððÐÚð òܺðãðáa. General Reserve71

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 2 - òܺðãðá ¡ðøÜ ¡òÏðäð÷æð (¸ððÜó) ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 2 - RESERVES AND SURPLUS (Contd.) As on 31-Mar-07 As on 31-Mar-06ÑßðÜüòØð¨î äð÷æð / Opening balance 2090 36 18 1698 36 18ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐðAdditions during the year 1 69 15 392 00 00ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 1 Ç÷®ð÷ü)Deductions during the year (Refer Schedule 18 note 1) 640 24 85------------------------------–------------------------------1451 80 48 2090 36 18=========== ===========®ð. ç¾ðÒî ¨îâÚððÂð òÐðòÏðb. Staff Welfare FundÑßðÜüòØð¨î äð÷æð / Opening balance 34 73 09 32 15 59ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 1 04 03 5 94 23ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year 2 20 00------------------------------3 36 73------------------------------33 57 12===========34 73 09===========±ð. ¡ðýáÀó×ðó¡ðýá ¦ò©¸ð«Ùð (¸ð÷) òãðäð÷æð òÐðòÏðc. IDBI EXIM (J) Special FundÑßðÜüòØð¨î äð÷æð / Opening balance 1 69 15 1 69 15ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year – –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððüDeductions during the year 1 69 15 –------------------------------ ------------------------------– 1 69 15=========== ===========³ð. òÐðãð÷äð ³ð¾-×ðÁÿ òܺðãðád. Investment Fluctuation ReserveÑßðÜüòØð¨î äð÷æð / Opening balance – 392 00 00ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year – –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year –------------------------------392 00 00------------------------------–===========–===========´. ¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 36 (1) (viii) ¨÷î ¡ÐÃð±ðáÃð òãðäð÷æð òܺðãðáe. Special Reserve under Section 36(1)(viii) of the Income Tax Act, 1961ÑßðÜüòØð¨î äð÷æð / Opening balance 6 35 04 6 35 04ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year – –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – –------------------------------ ------------------------------6 35 04 6 35 04=========== ===========μð. ¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 36 (1) (viii) ¨÷î ¡üÃð±ðáÃð çðöò¸ðÃð ãð ¡ÐðôÜòêðÃð òãðäð÷æð òܺðãðáf. Special Reserve created and maintained underSection 36(1)(viii) of the Income Tax Act, 1961ÑßðÜüòØð¨î äð÷æð / Opening balance 235 00 00 185 00 00ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 50 00 00 50 00 00ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year –------------------------------–------------------------------285 00 00 235 00 00============ ============VI. âððØð-èðòÐð âð÷®ð÷ Ùð÷ü äð÷æðBalance in Profit and Loss Account 1314 90 10 1030 71 03------------------------------ ------------------------------¨ôîâð / TOTAL 7575 10 71 5647 38 85============ ============72

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 3 - ¸ðÙððÜðòäðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 3 - DEPOSITS As on 31-Mar-07 As on 31-Mar-06¨î. A.I. Ùððü±ð ¸ðÙððÜðòäðÚððüDemand Deposits(i) ×ðøȨîð÷ü çð÷ / From banks 119 99 35 78 34 39(ii) ¡ÐÚð çð÷ / From others 6868 62 45 5096 32 21-------------------------------- --------------------------------6988 61 80 5174 66 60-------------------------------- --------------------------------II. ×ðμðÃð ×ðøÈ¨î ¸ðÙððÜðòäðÚððü / Saving Bank Deposits 4034 42 00 2498 96 49-------------------------------- --------------------------------III. çððãðòÏð ¸ðÙððÜðòäðÚððü / Term Deposits(i) ×ðøȨîð÷ü çð÷ / From banks 2111 85 01 1255 13 68(ii) ¡ÐÚð çð÷ / From others 30219 15 33 17072 14 87-------------------------------- --------------------------------32331 00 34 18327 28 55-------------------------------- --------------------------------¨ôîâð / TOTAL 43354 04 14 26000 91 64®ð. B.(i)=========== ===========ØððÜÃð Ùð÷ü òçÆðÃð äðð®ðð¡ð÷ü ¨îó ¸ðÙððÜðòäðÚððüDeposits of branches in India 43354 04 14 26000 91 64(ii) ØððÜÃð çð÷ ×ððèÜ òçÆðÃð äðð®ðð¡ð÷ü ¨îó ¸ðÙððÜðòäðÚððüDeposits of branches outside India – –-------------------------------- --------------------------------¨ôîâð / TOTAL 43354 04 14 26000 91 64=========== ===========¡Ððôçðõμðó 4 - £ÏððÜ ÜðòäðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 4 - BORROWINGS As on 31-Mar-07 As on 31-Mar-06I. ØððÜÃð Ùð÷ü £ÏððÜ ÜðòäðÚððü / Borrowings in India(i) ØððÜÃðóÚð òܺðãðá ×ðøȨî / Reserve Bank of India – –(ii) ¡ÐÚð ×ðøȨî / Other banks 711 31 95 1630 02 44(iii) ¡ÐÚð çðüçÆðð¦ü ¡ðøÜ ¦¸ð÷üòçðÚððü / Other institutions and agencies¨î. ØððÜÃð çðܨîðÜ çð÷ £ÏððÜ ÜðòäðÚððüa. Government of India borrowings 6 70 12 7 23 45®ð. ØððÜÃð çðܨîðÜ ¨îð÷ ¸ððÜó ¾óÚðÜ-I ×ððüÀb. Tier I bonds issued to Government of India 2130 50 00 2130 50 00±ð. ØððÜÃð çðܨîðÜ ÎðÜð ±ððÜü¾ó¨öîÃð ×ððüÀc. Bonds guaranteed by Government of India 5412 51 35 5419 36 35³ð. ¡ÐÚðd. Others 28359 71 49 32332 66 65II. ØððÜÃð ¨÷î ×ððèÜ çð÷ £ÏððÜ ÜðòäðÚððüBorrowings outside India 5783 62 65--------------------------------6010 41 68--------------------------------¨ôîâð (I ¦ãðü II) / TOTAL (I and II) 42404 37 56===========47530 20 57===========¤ÑðÜ I ãð II Ùð÷ü çðòÙÙðòâðÃð ÑßòÃðØðõÃð £ÏððÜ ÜðòäðÚððü - 2022,81,95 è¸ððÜ ÝÑðÚð÷ (1434,21,17 è¸ððÜ ÝÑðÚð÷)Secured borrowings included in I and II above - Rs.2022,81,95 Thousand (Rs.1434,21,17 Thousand)73

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 5 - ¡ÐÚð Ç÷ÚðÃðð¦ü ¡ðøÜ ÑßðãðÏððÐð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS As on 31-Mar-07 As on 31-Mar-06I. Ç÷Úð ò×ðâð / Bills Payable 498 95 75 659 27 30II. ¡üÃðÜ-¨îðÚððáâðÚð çðÙððÚðð÷¸ðÐð (òÐðãðâð) / Inter-office adjustments (net) - 7 68 00III. £ÑðòμðÃð ×Úðð¸ð / Interest accrued 1336 03 36 1440 58 22IV. ¡ÑßòÃðØðõÃð, ÑßòÃðÇ÷Úð ×ððüÀ (¾óÚðÜ II Ñðõü¸ðó ¨÷î òâ𦠱ððøÂð)Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 5270 71 06 3804 34 95V. ÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨÷î ÑßòÃð òãðãð÷¨îÑðõÂðá ÑßðãðÏððÐðPrudential provisions against standard assets 318 83 99 220 84 90VI. ýò©ãð¾ó äð÷ÚðÜð÷ü ÑðÜ Ç÷Úð âððØððüäð ¡ðøÜ âððØððüäð ¨îÜDividend and dividend tax payable on Equity Shares 127 11 87 123 79 60VII. ¦çð¦¦çð¦Òî ¨îð÷ ¡üÃðòÜÃð ÙððÙðâðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ÑßðÑÃð ÜðòäðÚððüReceipts in respect of cases transferred to SASF 19 27 16 29 42 32VIII. ¡ð÷ÙÐðó ¨÷î òâ𦠡ðãð÷ÇÐð Üðòäð / Application Money for OMNI - 40 00IX. ¡ÐÚð / Others 2210 11 24 2375 24 70---------------------------- ---------------------------¨ôîâð / TOTAL 9781 04 43 8661 59 99========== ==========¡Ððôçðõμðó 6 - Ðð¨îÇó ¡ðøÜ ØððÜÃðóÚð òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æð Üðòäð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA As on 31-Mar-07 As on 31-Mar-06I. èðÆð Ùð÷ü Ðð¨îÇó (òãðÇ÷äðó ÙðôÍð Ððð÷¾ çðòèÃð)Cash in hand (including foreign currency notes) 211 04 28 117 55 80II. ØððÜÃðóÚð òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æð / Balances with Reserve Bank of India(i) μððâðõ ®ððÃð÷ Ùð÷ü / in Current Account 5195 42 83 2562 53 69(ii) ¡ÐÚð ®ððÃðð÷ü Ùð÷ü / in Other Accounts – –---------------------------- ---------------------------¨ôîâð (I ¦ãðü II) / TOTAL (I and II) 5406 47 11 2680 09 49========== ==========¡Ððôçðõμðó 7 - ×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð Üðòäð ÃðÆðð Ùððü±ð¦ãðü ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 7 - BALANCES WITH BANKSAND MONEY AT CALL AND SHORT NOTICES As on 31-Mar-07 As on 31-Mar-06I. ØððÜÃð Ùð÷ü / In India(i) ×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð ÜðòäðÚððü / Balances with banks(¨î) μððâðõ ®ððÃðð÷ü Ùð÷ü *(a) In Current Accounts* 113 68 93 110 99 58(®ð) ¡ÐÚð ¸ðÙðð ®ððÃðð÷ü Ùð÷ü(b) in Other Deposit Accounts 49 50 25 801 70 40(ii) Ùððü±ð ÑðÜ ¡ðøÜ ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð / Money at call and short notice(¨î) ×ðøȨîð÷ü ¨÷î Ñððçð(a) with banks 279 00 00 800 00 00(®ð) ¡ÐÚð çðüçÆðð¡ð÷ü ¨÷î Ñððçð(b) with other institutions 50 00 00 360 00 00---------------------------- ---------------------------¨ôîâð I / TOTAL I 492 19 18 2072 69 98========== ==========74

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 7 - ×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð Üðòäð ÃðÆðð Ùððü±ð¦ãðü ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð (¸ððÜó) ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 7 - BALANCES WITH BANKSAND MONEY AT CALL AND SHORT NOTICES (Contd...) As on 31-Mar-07 As on 31-Mar-06II. ØððÜÃð çð÷ ×ððèÜ / Outside India(i) μððâðõ ®ððÃðð÷ü Ùð÷ü / in current accounts 119 27 19 134 88 61(ii) ¡ÐÚð ¸ðÙðð ®ððÃðð÷ü Ùð÷ü / in other deposit accounts 22 96 81 111 54 12(iii) Ùððü±ð ¡ðøÜ ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð / Money at call and short notice 870 18 66 363 55 94------------------------------------- -------------------------------------¨ôîâð II / TOTAL II 1012 42 66 609 98 67------------------------------------- -------------------------------------¨ôîâð Úðð÷±ð (I ¦ãðü II) / GRAND TOTAL (I and II) 1504 61 84 2682 68 65============= =============* ýçðÙð÷ü ±ðøÜ çðü×ðÊ ×ðøȨîð÷ü ¨÷î ÙððÏÚðÙð çð÷ äðð®ðð¡ð÷ü ÎðÜð òãðÑß÷òæðÃð 14,28,62 è¸ððÜ ÝÑðÚð÷ (38,40,41 è¸ððÜ ÝÑðÚð÷) äððòÙðâð èøÈ.* includes Rs.14,28,62 Thousand (Rs.38,40,41 Thousand) remitted by branches through non correspondent banks.¡Ððôçðõμðó 8 - òÐðãð÷äð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 8 - INVESTMENTS As on 31-Mar-07 As on 31-Mar-06I. ØððÜÃð Ùð÷ü òÐðÙÐð Ùð÷ü òÐðãð÷äð / Investments in India in(i) çðܨîðÜó ÑßòÃðØðõòÃðÚððü / Government Securities 16191 38 92 16179 91 53(ii) ¡ÐÚð ¡ÐðôÙðð÷òÇÃð ÑßòÃðØðõòÃðÚððü / Other approved securities 17 24 41 –(iii) äð÷ÚðÜ / Shares 3708 17 53 2403 49 24(iv) òÀ×ð÷üμðÜ ¡ðøÜ ×ððüÀ / Debentures and Bonds 3640 87 84 4399 62 62(v) çðèðÚð¨î çðüçÆðð¦ü ¡ðøÜ/Úðð çðüÚðô©Ãð £ÌðÙð / Subsidiaries and / or joint ventures 357 02 20 346 98 50(vi) ¡ÐÚð (ãððòÂðò¸Úð¨î Ñðëð, ÙÚðõμðô¡âð ÒüîÀð÷ü ¨÷î ÚðõòÐð¾ ¡ðòÇ) / Others (CP’s, Units in MF’s etc.) 1759 55 76-------------------------------------2013 86 13-------------------------------------¨ôîâð / TOTAL I 25674 26 66=============25343 88 02=============II.ØððÜÃð çð÷ ×ððèÜ òÐðÙÐð Ùð÷ü òÐðãð÷äð / Investments outside India in(i) çðܨîðÜó ÑßòÃðØðõòÃðÚððü (çÆððÐðóÚð ÑßðòÏð¨îÜÂðð÷ü çðòèÃð)Government Securities (including local authorities) – –(ii) òãðÇ÷äð òçÆðÃð çðèðÚð¨î çðüçÆðð¦ü ¡ðøÜ/Úðð çðüÚðô©Ãð £ÌðÙðSubsidiaries and / or joint ventures abroad – –(iii) ¡ÐÚð òÐðãð÷äð (äð÷ÚðÜ) / Others investments (shares) 1 04 53-------------------------------------6 64 61-------------------------------------¨ôîâð II / TOTAL II 1 04 53=============6 64 61=============¨ôîâð Úðð÷±ð (I ¦ãðü II) / GRAND TOTAL (I and II) 25675 31 19=============25350 52 63=============III. ØððÜÃð Ùð÷ü òÐðãð÷äð / Investments in India(i) òÐðãð÷äðð÷ü ¨îð çð¨îâð ÙðõâÚð / Gross value of investments 25896 27 55 25596 99 50(ii) ÙðõâÚðã¸çð ¨÷î òâ𦠨ôîâð ÑßðãðÏððÐð / Aggregate provision for depreciation 222 00 89-------------------------------------253 11 48-------------------------------------(iii) òÐðãðâð òÐðãð÷äð / Net investments 25674 26 66=============25343 88 02=============IV. ØððÜÃð çð÷ ×ððèÜ òÐðãð÷äð / Investments outside India(i) òÐðãð÷äðð÷ü ¨îð çð¨îâð ÙðõâÚð / Gross value of investments 1 04 53 6 64 61(ii) ÙðõâÚðã¸çð ¨÷î òâ𦠨ôîâð ÑßðãðÏððÐð / Aggregate provision for depreciation –-------------------------------------–-------------------------------------(iii) òÐðãðâð òÐðãð÷äð / Net investments 1 04 53=============6 64 61=============75

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 9 - ¡ò±ßÙð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 9 - ADVANCES As on 31-Mar-07 As on 31-Mar-06¨î. A.(i)®ð. B.(i)®ðÜóÇ÷ ¡ðøÜ ØðôÐðð¦ / ÑðôÐðØðôáÐððýá ò¨î¦ ±ð¦ ò×ðâðBills purchased and discounted / rediscounted 2294 18 26 2203 20 37(ii) Ðð¨îÇ ¥Âð, ¡ð÷ãðÜÀàðÓ¾ ¡ðøÜ Ùððü±ð ÑðÜ ÑßòÃðÇ÷Úð ¥ÂðCash credits, overdrafts and loans repayable on demand 5477 64 47 2556 28 36(iii) ÙðóÚððÇó ¥Âð / Term loans 54698 99 53 47979 58 05---------------------------------- ----------------------------------¨ôîâð / TOTAL 62470 82 26 52739 06 78============ ============ÙðõÃðá ¡ðòçÃðÚðð÷ü ÎðÜð ÑßòÃðØðõÃð*Secured by tangible assets* 54338 08 72 43031 52 06(ii) ×ðøȨî/çðܨîðÜó ±ððÜüò¾Úðð÷ü ÎðÜð çðôÜòêðÃð **Covered by bank / government guarantees** 1025 97 80 1506 20 01(iii) ¡ÑßòÃðØðõÃð Unsecured 7106 75 74 8201 34 71---------------------------------- ----------------------------------¨ôîâð / TOTAL 62470 82 26 52739 06 78============ ============±ð. C.I. ØððÜÃð Ùð÷ü ¡ò±ßÙðI. Advances in India(i) ÑßðÆðòÙð¨îÃðð ÑßðÑÃð êð÷ëð / Priority sector 9290 40 85 6872 28 00II.âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ii) çððãðá¸ðòÐð¨î êð÷ëð / Public sector 6682 80 65 4640 83 40(iii) ×ðøȨî / Banks 808 26 51 83 27 15(iv) ¡ÐÚð / Others 45689 34 25 41142 68 23---------------------------------- ----------------------------------¨ôîâð / TOTAL 62470 82 26 52739 06 78============ ============ØððÜÃð çð÷ ×ððèÜ ¡ò±ßÙðAdvances outside India(i) ×ðøȨîð÷ü çð÷ ÑßðÑÚð / Due from banks – –(ii) ¡ÐÚð çð÷ ÑßðÑÚð / Due from others : – –(¨î) ®ðÜóÇ÷ ÃðÆðð ØðôÐðð¦ / ÑðôÐðØðôáÐððýá ò¨î¦ ±ð¦ ò×ðâð(a) Bills purchased and discounted / rediscounted – –(®ð) çðÙðõòèÃð ¥Âð(b) Syndicated loans – –(±ð) ¡ÐÚð(c) Others – –---------------------------------- ----------------------------------¨ôîâð / TOTAL – –---------------------------------- ----------------------------------¨ôîâð Úðð÷±ð (±ð I ¦ãðü ±ð II) / GRAND TOTAL ( C I and C I I ) 62470 82 26 52739 06 78============ ============* ýçðÙð÷ü ×ðèó ¥Âðð÷ü ¨÷î ÑßòÃð ÑßòÃðØðõÃð ¡ò±ßÙð äððòÙðâð èøÈ.** ýçðÙð÷ü ¡ÐÚð ×ðøȨîð÷ü ÎðÜð ¸ððÜó çðð®ðÑðëðð÷ü ¨÷î ÑßòÃð ÑßòÃðØðõÃð ¡ò±ßÙð äððòÙðâð èøÈ.* includes advances secured against book debts.** includes advances secured against letters of credit issued by other banks.76

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 10 - ¡μðâð ¡ðòçÃðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 10 - FIXED ASSETS As on 31-Mar-07 As on 31-Mar-06I. ÑðòÜçðÜ [¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 3 Ç÷®ð÷ü] / Premises [Refer Schedule 18 note 3]ÑßðÜüòØð¨î äð÷æð / Opening balance 364 06 93 366 11 50ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Addition during the year 264 88 89 61 73 72ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü* / Deductions during the year* 99 93 66 63 78 29ãðæðá ¨÷î ÇðøÜðÐð ÑðôÐðÙðõáâÚðÐð (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 4 Ç÷®ð÷ü)Revaluation during the Year (Refer Schedule 18 note 4) 2063 91 00 -¡ð¸ð ¨îó ÃððÜó®ð Ãð¨î ÙðõâÚðã¸çð / Depreciation to date - 85 15 76--------------------------- ---------------------------2592 93 16 278 91 17============ ============II. ¡ÐÚð ¡μðâð ¡ðòçÃðÚððü (ÒîÐðóáμðÜ ãð òÒî©çðþμðçðá çðòèÃð)Other fixed assets (including furniture & fixtures)ÑßðÜüòØð¨î äð÷æð / Opening balance 384 12 50 331 90 35ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 96 19 07 58 89 91ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year 36 21 77 6 67 76¡ð¸ð ¨îó ÃððÜó®ð Ãð¨î ÙðõâÚðã¸çð / Depreciation to date 309 89 24 232 55 41--------------------------- ---------------------------134 20 56 151 57 09========== ===========III. Ñð¾þ¾÷ ÑðÜ Çó ±ðýá ¡ðòçÃðÚððü / Assets given on LeaseÑßðÜüòØð¨î äð÷æð / Opening balance 1521 39 82 1728 22 40ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 1 76 51 –âðóºð çðÙððÚðð÷¸ðÐð ®ððÃðð / Lease adjustment account 4 54 72 36 70 39ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year 708 34 06 206 82 58¡ð¸ð ¨îó ÃððÜó®ð Ãð¨î ÙðõâÚðã¸çð / Depreciation to date 768 92 69 1177 58 19±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃðÚðð÷ü ¨÷î òâð¦ ÑßðãðÏððÐð / Provisions for Non-Performing assets 10 26 51 8 50 00--------------------------- ---------------------------40 17 79 372 02 02========== ==========IV. μððâðõ Ñðõü¸ðó±ðÃð ¨îðÚðáCapital Work-in-Progess 11 05 14 8 39 91--------------------------- ---------------------------¨ôîâð (I+II+III+IV) / TOTAL (I+II+III+IV) 2778 36 65 810 90 19============ ============* ÑðôÐðÙðõáâÚðÐð ÎðÜð Ùðõâð âðð±ðÃð çð÷ çðÙðü¸ðÐð ¨îÜÃð÷ èô¦ 31 Ùððμðá 2007 Ãð¨î 97,06,81 è¸ððÜ ÝÑðÚð÷ ¨÷î çðüòμðÃð ÙðõâÚðãðçð çðòèÃð* Includes accumulated depreciation of Rs. 97,06,81 Thousand upto March 31, 2007 set off against original cost, upon revaluation.¡Ððôçðõμðó 11 - ¡ÐÚð ¡ðòçÃðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 11 - OTHER ASSETS As on 31-Mar-07 As on 31-Mar-06I. ¡üÃðÜ-¨îðÚððáâðÚð çðÙððÚðð÷¸ðÐð (òÐðãðâð) / Inter-office adjustment (net) 11 94 07 –II. £ÑðòμðÃð ×Úðð¸ð / Interest accrued 823 84 34 681 77 99III. ¡ò±ßÙð ¨îÜ Øðô±ðÃððÐð / çßð÷Ãð ÑðÜ ¨îÜ ¨î¾ðøÃðó (òÐðãðâð)Tax paid in advance / tax deducted at source (net) 2105 49 60 2014 56 53IV. âð÷®ðÐð çððÙð±ßó ¡ðøÜ ç¾ðùÙÑð / Stationery and stamps 1 02 52 41 98V. Çðãðð÷ü ¨÷î òÐðÑð¾ðÐð Ùð÷ü ÑßðÑÃð ±ðøÜ-×ðøȨî¨îðÜó ¡ðòçÃðÚððüNon-Banking Assets acquired in satisfaction of claims – 122 60 60VI. ¦çð¦¦çð¦Òî ¨îð÷ ¡üÃðòÜÃð ÙððÙðâðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ãÚðÚð/çðüòãðÃðÜÂðExpenses / Disbursements in respect of cases transferred to SASF 10 77 50 9 09 45VII.×ð¾þ¾÷ ®ððÃð÷ Ùð÷ü ÐðèóÈ Àðâð÷ ±ð¦ ãðó¡ðܦçð ãÚðÚð /VRS expenses not written-off 33 04 81 46 79 76VIII. ¡ðçÆðò±ðÃð ¨îÜ ¡ðòçÃðÚððü (òÐðãðâð)Deferred Tax Assets (Net) – 22 79 12IX. ¡ÐÚð / Others 3017 60 49 1403 44 93--------------------------- ---------------------------¨ôîâð / TOTAL 6003 73 33 4301 50 36=========== ===========77

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 12 - ¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦ü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 12 - CONTINGENT LIABILITIES As on 31-Mar-07 As on 31-Mar-06I. ×ðøÈ¨î ¨÷î òãðÝÊ Çðãð÷ ò¸ðÐè÷ü ¥Âð ÐðèóÈ ÙððÐðð ±ðÚððClaims against the Bank not acknowledged as debts 680 88 28 385 85 26II. ¡üäðÃð: ÑßÇÄð òÐðãð÷äðð÷ü ¨÷î òâð¦ Ç÷ÚðÃððLiability for partly paid investments – –III. ×ð¨îðÚðð ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü ¨÷î ¨îðÜÂð Ç÷ÚðÃððLiability on account of outstanding forward exchange contracts 17708 91 00 19570 55 09IV. çðü³ð¾¨îð÷ü ¨îó ¡ð÷Ü çð÷ Çó ±ðýá ±ððÜüò¾ÚððüGuarantees given on behalf of constituents¨î) ØððÜÃð Ùð÷ü / a) in India 8080 63 37 4022 60 51®ð) ØððÜÃð çð÷ ×ððèÜ / b) outside India 121 44 62 4 58 64V. ¬¨¸úˆ¼Å¹÷¸¡¸¸¿, œ¸£¸¿ˆÅ›¸ ¨¸ ‚›¡¸ ¸¹¡¸÷¨¸Acceptances, endorsements and other obligations 8227 54 14 5829 20 69VI. ÙðôÍð çãðøÑð / Currency Swaps 7134 77 73 6740 62 38VII. ¡ðùÑäðÐð / Options 5299 32 20 6551 05 01VIII. ×Úðð¸ð ÇÜ çãðøÑð / Interest Rate Swaps 58948 78 00 31374 37 92IX. ãððÚðÇð ÇÜ ¨îÜðÜ / Forward Rate Agreements 712 36 62 635 88 99X. Ñðõü¸ðó±ðÃð ÑßòÃð×ðÊÃðð / Capital commitment 17 94 28 28 22 28XI. òãðãððòÇÃð ¡ðÚð¨îÜ, ×Úðð¸ð ¨îÜ, ÇüÀ ¡ðøÜ ×Úðð¸ð Ùððü±ð ¨÷î ¨îðÜÂð *On account of disputed Income tax, Interest tax, penalty and interest demands* 1583 82 25 1556 54 03XII. ¡ÐÚð ÙðÇ÷ü ò¸ðÐð¨÷î òâð¦ ×ðøÈ¨î ¡ð¨îòçÙð¨î ÞÑð çð÷ ò¸ðÙÙð÷ÇðÜ èøOther items for which the bank is contingently liable 11 40 00 320 55 04----------------------------------- ---------------------------------¨ôîâð (I çð÷ XII) / Grand TOTAL (I to XII) 108527 82 49 77020 05 84============== =============* òãðãððòÇÃð ¨îÜ Ç÷ÚðÃðð¡ð÷ü ¨÷î ¨îðÜÂð 3289,29,78 è¸ððÜ ÝÑðÚð÷ (3441,49,14 è¸ððÜ ÝÑðÚð÷) ¨îó ¡òÃðòÜ©Ãð Ùððü±ð ¨îó ±ðýá. £©Ãð Ùððü±ð Ùð÷ü 1705,47,53 è¸ððÜÝÑðÚð÷ (1884,95,11 è¸ððÜ ÝÑðÚð÷) äððòÙðâð èøÈ ò¸ðçð¨÷î çðü×ðüÏð Ùð÷ü òÑðâð÷ ãðæðð÷áÈ Ùð÷ü ×ðøÈ¨î ¨÷î ¡ÑðÐð÷ ÙððÙðâðð÷ü Ùð÷ü ¡Ððô¨õîâð ¡ÑðóâðóÚð òÐðÂðáÚð èô¦ èøÈ. òÐðãðâð ¡ð¨îòçÙð¨îÇ÷ÚðÃðð 1583,82,25 è¸ððÜ ÝÑðÚð÷ (1556,54,03 è¸ððÜ ÝÑðÚð÷) èüø.* Additional demands raised on account of disputed tax liabilities is Rs.3289,29,78 Thousand (Rs. 3441,49,14 Thousand). Thedemand includes Rs. 1705,47,53 Thousand (Rs. 1884,95,11 Thousand) in respect of which the Bank has favourable appellatedecisions in its own cases in earlier years. The net contingent liability is Rs.1583,82,25 Thousand (Rs. 1556,54,03 Thousand).78

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 13 - ¡ò¸ðáÃð ×Úðð¸ð 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 13 - INTEREST EARNED Year ended Year ended31-Mar-07 31-Mar-06I. ¡ò±ßÙðð÷ü / ò×ðâðð÷ü ÑðÜ ×Úðð¸ð / ØðôÐððýá / Interest / discount on advances / bills 5241 91 17 4407 06 52II. òÐðãð÷äðð÷ü çð÷ ¡ðÚð / Income on investments 998 44 57 845 36 91III. ØððÜÃðóÚð òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æð ¡ðøÜ ¡ÐÚð ¡üÃðÜ-×ðøȨî òÐðòÏðÚðð÷ü ÑðÜ ×Úðð¸ðInterest on balances with RBI and other inter-bank funds 76 31 86 120 65 93IV. ¡ÐÚð / Others 28 74 32 7 62 49----------------------------------- -----------------------------------¨ôîâð / TOTAL 6345 41 92 5380 71 85============= =============¡Ððôçðõμðó 14 - ¡ÐÚð ¡ðÚð 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 14 - OTHER INCOME Year ended Year ended31-Mar-07 31-Mar-06I. ¨îÙðóäðÐð, òãðòÐðÙðÚð ¡ðøÜ ÇâððâðóCommission, exchange and brokerage 265 84 18 271 96 78II. òÐðãð÷äðð÷ü ¨÷î òãðªîÚð ÑðÜ âððØð (òÐðãðâð)Profit on sale of investments (net) 333 70 15 703 39 66III. òÐðãð÷äðð÷ü ¨÷î ÑðôÐðÙðõáâÚðÐð ÑðÜ âððØð / (èðòÐð) (òÐðãðâð)Profit / (Loss) on revaluation of investments (net) (19 55 92) –IV. ØðõòÙð, ØðãðÐð ÃðÆðð ¡ÐÚð ¡ðòçÃðÚðð÷ü ¨÷î òãðªîÚð ÑðÜ âððØð / (èðòÐð) (òÐðãðâð)Profit/(Loss) on sale of land, bulidings and other assets (net) 178 62 27 6 34 90V. òãðòÐðÙðÚð âð÷ÐðÇ÷Ððð÷ü/ ãÚðôÃÑðÐÐðð÷ü ÑðÜ âððØð (òÐðãðâð)Profit on exchange transactions/Derivatives (net) 45 73 24 59 01 68VI. ØððÜÃð Ùð÷ü òçÆðÃð çðèðÚð¨î ¨îüÑðòÐðÚðð÷ü ¡ðøÜ / Úðð çðüÚðô©Ãð £ÌðÙðð÷ü çð÷ âððØððüäð ¡ðÚðDividend income from subsidiary companies and / or joint ventures in India 11 69 13 22 42 88VII. òãðòãðÏð ¡ðÚð (âðóºð ¡ðÚð çðòèÃð)Miscellaneous Income (including lease income) 211 15 29 217 29 02----------------------------------- -----------------------------------¨ôîâð / TOTAL 1027 18 34 1280 44 92============= =============¡Ððôçðõμðó 15 - ×Úðð¸ð ãÚðÚð 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 15 - INTEREST EXPENDED Year ended Year ended31-Mar-07 31-Mar-06I. ¸ðÙððÜðòäðÚðð÷ü ÑðÜ ×Úðð¸ðInterest on deposits 1993 34 16 912 81 18II. ØððÜÃðóÚð òܺðãðá ×ðøȨî / ¡üÃðÜ-×ðøÈ¨î £ÏððÜ ÜðòäðÚðð÷ü ÑðÜ ×Úðð¸ðInterest on Reserve Bank of India / inter-bank borrowings 137 52 50 182 72 04III. ¡ÐÚð (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 6 Ç÷®ð÷ü)Others (refer Schedule 18 note 6) 3556 62 34 3905 29 25----------------------------------- -----------------------------------¨ôîâð / TOTAL 5687 49 00 5000 82 47============= =============79

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in '000s)¡Ððôçðõμðó 16 - ÑðòÜμððâðÐð ãÚðÚð 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 16 - OPERATING EXPENSES Year ended Year ended31-Mar-07 31-Mar-06I. ¨îÙðáμððòÜÚðð÷ü ¨îð÷ Øðô±ðÃððÐð ¡ðøÜ £Ðð¨÷î òâð¦ ÑßðãðÏððÐð(×ð¾þ¾÷ ®ððÃð÷ Àðâð÷ ±ðÚð÷ ãðó¡ðܦçð ãÚðÚð çðòèÃð)*Payments to and provisions of employees(Including VRS expenditure written off)* 282 89 60 318 50 74II. ò¨îÜðÚðð, ¨îÜ ¡ðøÜ ò×ð¸ðâðó ** / Rent, taxes and lighting** 72 36 94 61 02 71III. ÙðôÍÂð ¡ðøÜ âð÷®ðÐð-çððÙð±ßó / Printing and stationery 15 44 37 15 98 57IV. òãðìððÑðÐð ¡ðøÜ ÑßμððÜ / Advertisement and publicity 11 01 34 16 94 98V. ×ðøÈ¨î ¨îó çðÙÑðòÄð ÑðÜ ÙðõâÚðã¸çð / Depreciation on bank’s property 61 46 59 47 52 69VI. âðóºð ¡ðòçÃðÚðð÷ü ÑðÜ ÙðõâÚðã¸çð / Depreciation on leased assets 60 52 93 96 02 08VII. òÐðÇ÷äð¨îð÷ü ¨îó Òîóçð, ØðÄð÷ ¡ðøÜ ãÚðÚð / Director’s fees, allowances and expenses 33 46 28 83VIII. âð÷®ðð ÑðÜóêð¨îð÷ü ¨îó Òîóçð ¡ðøÜ ãÚðÚð / Auditors’ fees and expenses 95 51 96 60IX. òãðòÏð ÑßØððÜ / Law Charges 2 35 61 4 64 56X. Àð¨î ®ðμðá, ÃððÜ, ¾÷âðóÒîð÷Ðð, ¡ðòÇ / Postage, Telegram, Telephone, etc. 30 46 20 28 31 68XI. ÙðÜÙÙðÃð ¡ðøÜ Ü®ðÜ®ððãð / Repairs and maintenance 34 91 14 26 90 15XII. ×ðóÙðð / Insurance 31 94 38 16 90 51XIII.¡ÐÚð ãÚðÚð / Other expenditure 173 78 55 225 44 12¨ôîâð / TOTAL ----------------------------- -----------------------------778 46 62 859 48 22=========== ===========* òÑðâð÷ ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü Ùð÷ü 1 Ððãðü×ðÜ 2002 çð÷ ãð÷ÃðÐðÙððÐðð÷ü Ùð÷ü çðüäðð÷ÏðÐð è÷Ãðô 110,20,00 è¸ððÜ ÝÑðÚð÷ ¨îð ÑßðãðÏððÐð äððòÙðâð èø.** ýçðÙð÷ü ¨îðÚððáâðÚð ãð ¨îÙðáμððÜó-çðÙ×ðÊ ¡ðãððçðóÚð ÑðòÜçðÜð÷ü ¨÷î ÑðòÜμððâðÐð±ðÃð âðóºð ò¨îÜðÚð÷ äððòÙðâð èøÈ.* Previous year's figure includes provision of Rs.110,20,00 Thousand for revision of pay scales w.e.f. November 1, 2002.** Includes operating lease rentals for office and employee related residential premises.80

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¡Ððôçðõμðó - 17 : ÙðèÃãðÑðõÂðá âð÷®ðð ÐðóòÃðÚððüSCHEDULE – 17 : SIGNIFICANT ACCOUNTING POLICIES¨îAÃðøÚððÜ ¨îÜÐð÷ ¨îð ¡ðÏððÜBasis of PreparationòãðÄðóÚð òãðãðÜÂð ÑðÜüÑðÜð±ðÃð ¡ðÏððÜ ÑðÜ ÃðøÚððÜ ò¨î¦ ±ð¦ èøÈ ¡ðøÜ Úð÷ çðØðó ÙðèÃãðÑðõÂðá Ñðèâðô¡ð÷ü ¨÷î ÙððÙðâð÷ Ùð÷ü ØððÜÃð Ùð÷ü çððÙððÐÚðÃðÚððÙððÐÚð âð÷®ððü¨îÐð òçðÊðüÃðð÷ü (±ðøÑð) ¨÷î ¡ÐðôÞÑð èøÈ, ò¸ðÐðÙð÷ü âðð±ðõ çððüòãðòÏð¨î ÑßðãðÏððÐð, ØððÜÃðóÚð òܺðãðá ×ðøȨî (òܺðãðá ×ðøȨî) ÎðÜð òÐðÏððáòÜÃðòãðòÐðÚððÙð¨î ÙððÐðÇüÀ, âð÷®ððü¨îÐð ÙððÐð¨î (¦ ¦çð) ¡ðøÜ ×ðøÈò¨üî±ð £Ìðð÷±ð Ùð÷ü ÑßμðòâðÃð ÑðÊòÃðÚððü äððòÙðâð èøü.The financial statements have been prepared on the historical basis and conform, in all material aspects, toGenerally Accepted Accounting Principles (GAAP) in India which encompasses applicable statutory provisions,regulatory norms prescribed by Reserve Bank of India (RBI), Accounting Standards (AS) and prevailing practicesin Banking industry.®ð ¡ÐðôÙððÐðð÷ü ¨îð £ÑðÚðð÷±ðBUse of EstimatesòãðÄðóÚð òãðãðÜÂð ÃðøÚððÜ ¨îÜÐð÷ è÷Ãðô Ñß×ðüÏðÐð ¨÷î òâð¦ Úðè ¸ðÞÜó èø ò¨î ãðè ¦÷çð÷ ¡ÐðôÙððÐð ¦ãðü ÏððÜÂðð¦ü ×ðÐððÚð÷ ¸ðð÷ òãðÄðóÚð òãðãðÜÂðð÷ü¨îó ÃððÜó®ð ¨îð÷ ÇäððáÚðó ±ðýá ¡ðòçÃðÚðð÷ü, Ç÷ÚðÃðð¡ð÷ü ¨îó Üðòäð ¡ðøÜ ¡ð¨îòçÙð¨î Ç÷ÚðÃðð¡ð÷ü ¨÷î Ñߨî¾ó¨îÜÂð ¨îð÷ ÑßØððòãðÃð ¨îÜÃðóèøÈ. Ñß×ðüÏðÐð ¨îð÷ òãðäãððçð èø ò¨î Úð÷ ¡ÐðôÙððÐð ¦ãðü ÏððÜÂðð¦ü Ãð¨áîÑðõÂðá ¡ðøÜ òãðãð÷¨îÑðõÂðá èøÈ. ÃðÆððòÑð, ãððçÃðòãð¨î ÑðòÜÂððÙð ¡ÐðôÙððÐðð÷üçð÷ ¡âð±ð èð÷ çð¨îÃð÷ èøÈ.The preparation of financial statements requires the management to make estimates and assumptions thataffect the reported amount of assets, liabilities and disclosure of contingent liabilities as at the date of thefinancial statements. Management believes that these estimates and assumptions are reasonable and prudent.However, actual results could differ from estimates.±ð ¡ðÚð òÐðÏððáÜÂðCRevenue Recognition±ð1 ×Úðð¸ð ¡ðÚð ÃðÆðð âðó¸ð ò¨îÜ𦠨îó ±ðÂðÐðð £ÑðμðÚð ¡ðÏððÜ ÑðÜ ¨îó ¸ððÃðó èø. òܺðãðá ×ðøÈ¨î ¨÷î òãðãð÷¨îÑðõÂðá ÙððÐðÇüÀð÷ü ¨÷î ¡ÐðôçððܱðøÜ òÐðæÑððÇ¨î ¡ðòçÃðÚðð÷ü ¨îð÷ ð÷Àÿ òÇÚðð ¸ððÃðð èø ò¸ðÐð¨÷î ÙððÙðâð÷ Ùð÷ü ãðçðõâðó ¨÷î ×ððÇ ±ðÂðÐðð ¨îó ¸ððÃðó èø.C1 Interest income and lease rentals are accrued except in the case of non performing assets where it isrecognised upon realisation as per the prudential norms of RBI.±ð2 ¦âðçðó/±ððÜü¾ó ¨îÙðóäðÐð ¨îó ±ðÂðÐðð £ÑðòμðÃð ¡ðÏððÜ ÑðÜ ¨îó ¸ððÃðó èø ÃðÆðð ò¸ðÐð ÙððÙðâðð÷ü Ùð÷ü 1 âðð®ð ÝÑðÚð÷ Ãð¨î ¨îÙðóäðÐð èø, £ÐðÙð÷ü¡ÑðÔüî¾ ¡ðøÜ ¡ÐÚð ÙððÙðâðð÷ü Ùð÷ü Úðè ¦âðçðó/±ððÜü¾ó ¨îó ¡ãðòÏð Ùð÷ü £ÑðòμðÃð ¡ðÏððÜ ÑðÜ ÙððÐðð ¸ððÃðð èø.C2 Commissions on LC/ Guarantee are reckoned as accrued, upfront in cases where the commission doesnot exceed Rs.1 lakh and, in other cases, accrued over the period of LC/ Guarantees.±ð3 äðôâ¨î ¡ðÏððòÜÃð ¡ðÚð ¨îð÷ ÑßðòÑÃð ¨îó çðôòÐðòäμðÃðÃðð ¨÷î ¡ðÏððÜ ÑðÜ £ÑðòμðÃð ò¨îÚðð ¸ððÃðð èø.C3 Fee based income are accrued on certainty of receipt.±ð4 ×ð¾þ¾ð¨öîÃð òâð®ðÃðð÷ü ÑðÜ ¡ðÚð ¨îð÷ òÐðÜüÃðÜ ÑßòÃðÒîâð ¡ðÏððÜ ÑðÜ òâð®ðÃð ¨îó ¡ãðòÏð ¨÷î ¡ÐðôçððÜ ÙððÐðð ¸ððÃðð èø.C4 Income on discounted instruments is recognised over the tenure of the instrument on a constant yieldbasis.±ð5 âððØððüäð ¨îó ±ðÂðÐðð £ÑðμðÚð ¡ðÏððÜ ÑðÜ Ãð×ð ¨îó ¸ððÃðó èø ¸ð×ð âððØððüäð ¨îó ÑßðòÑÃð ¨îð ¡òÏð¨îðÜ òçðÊ èð÷ ¸ððÃðð èø.C5 Dividend is accounted on accrual basis when the right to receive the dividend is established.81

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)³ð ¡ò±ßÙð ãð ÑßðãðÏððÐðDAdvances and Provisions¡ò±ßÙðð÷ü ¨îð÷ ÙððÐð¨î, ¡ãðÙððÐð¨î, çðüòDZÏð ÃðÆðð èðòÐð ¡ðòçÃðÚðð÷ü ¨÷î ÞÑð Ùð÷ü ãð±ðóá¨öîÃð ò¨îÚðð ¸ððÃðð èø ÃðÆðð òܺðãðá ×ðøÈ¨î ¨÷î òãðãð÷¨îÑðõÂðáÙððÐðÇüÀð÷ü ¨÷î ¡ÐðôçððÜ ÑßðãðÏððÐð ò¨î¦ ¸ððÃð÷ èøÈ. ¡ò±ßÙðð÷ü ¨îð÷ ±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃðÚðð÷ü ¨÷î òâð¦ ò¨îÚð÷ ±ð¦ ÑßðãðÏððÐðð÷ü ¨îð÷ ³ð¾ð¨îÜ òÇ®ððÚðð¸ððÃðð èø.Advances are classified into Standard, Sub-standard, Doubtful and Loss assets and provisions are made inaccordance with the prudential norms prescribed by RBI. Advances are stated net of provisions towards nonperformingadvances.´ òÐðãð÷äðEInvestments´1 ò¨îçðó òÐðãð÷äð ¨îó ¡¸ðáÐð âðð±ðÃð ¨îð÷ òÐðÏððáòÜÃð ¨îÜÐð÷ Ùð÷ü :E1 In determining acquisition cost of an investment:çð÷¨÷üîÀÜó ×ðð¸ððÜ çð÷ ®ðÜóÇ÷ ±ðÚð÷ ýò©ãð¾ó òâð®ðÃðð÷ü ¨÷î ÙððÙðâð÷ Ùð÷ü ÑßÇÄð Çâððâðó, ¨îÙðóäðÐð ¡ðøÜ ç¾øÈÑð ÀþÚðõ¾ó ¨îð÷ ¡¸ðáÐð âðð±ðÃðÙð÷ü äððòÙðâð ò¨îÚðð ¸ððÃðð èø ¸ð×ðò¨î ¾à÷¸ðÜó òÐðãð÷äðð÷ü çðòèÃð ¡ÐÚð òÐðãð÷äðð÷ü ¨÷î ÙððÙðâð÷ Ùð÷ü ¦÷çð÷ ãÚðÚðð÷ü ¨îð÷ ¡ðÚð çð÷ ÑßØððòÜÃð ò¨îÚðð¸ððÃðð èø.Brokerage, commission and stamp duty paid are included in cost of acquisition in respect of acquisition ofequity instruments from the secondary market whereas in respect of other investments, including treasuryinvestments, such expenses are charged to revenue.ÑßòÃðØðõòÃðÚðð÷ü ¨÷î ¡¸ðáÐð ¨îó ÃððÜó®ð Ãð¨î £ÑðòμðÃð ×Úðð¸ð (¡ÆððáÃðþ ®ðüòÀÃð ¡ãðòÏð ¨îð ×Úðð¸ð) ¨îð÷ ¡¸ðáÐð âðð±ðÃð Ùð÷ü çð÷ ³ð¾ðÚðð ¸ððÃððèø ¡ðøÜ ×Úðð¸ð ãÚðÚð ¨÷î ÞÑð Ùð÷ü ÑßØððòÜÃð ò¨îÚðð ¸ððÃðð èø.Interest accrued upto the date of acquisition of securities (i.e. broken period interest) is excluded fromthe acquisition cost and charged as interest expense.´ 2 òܺðãðá ×ðøÈ¨î ¨÷î Ùððø¸ðõÇð òÇäðð-òÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôçððÜ çðüÑðõÂðá òÐðãð÷äð Ñðð÷¾áÒîð÷òâðÚðð÷ ¨îð÷ ``ÑðòÜÑð©ãðÃðð Ãð¨î ÏððòÜÃð'', ``ò×ðªîó ¨÷î òâð¦£Ñðâð×Ïð'' ÃðÆðð ``ªîÚð-òãðªîÚð ¨÷î òâð¦ ÏððòÜÃð'' ¨÷î ÞÑð Ùð÷ü ãð±ðóá¨öîÃð ò¨îÚðð ¸ððÃðð èø. ÑßÃÚð÷¨î å÷Âðó ¨÷î ¡Ãðü±ðáÃð òÐðãð÷äð ¨îð÷ ¡ð±ð÷i) çðܨîðÜó ÑßòÃðØðõòÃðÚðð÷ü ii) ¡ÐÚð ¡ÐðôÙðð÷òÇÃð ÑßòÃðØðõòÃðÚðð÷ü iii) äð÷ÚðÜð÷ü iv) òÀ×ð÷üμðÜð÷ü ãð ×ððüÀð÷ü v) çðèðÚð¨î çðüçÆðð¡ð÷üü/çðüÚðô©Ãð £ÌðÙðð÷üvi) ¡ÐÚð (çðóÑðó, ÙÚðõμðô¡âð ÒüîÀ ÚðõòÐð¾ð÷ü ¡ðòÇ) ¨÷î ÞÑð Ùð÷ü ãð±ðóá¨öîÃð ò¨îÚðð ¸ððÃðð èø.E2 In terms of extant guidelines of the RBI, the entire investment portfolio is categorised as “Held toMaturity”, “Available for Sale” and “Held for Trading”. Investments under each category are furtherclassified as i) Government Securities ii) Other Approved Securities iii) Shares iv) Debentures and Bondsv) Subsidiaries/ Joint Ventures vi) Others (CP, Mutual Fund Units, etc.).´ 3 ¡ò±ßÙð çãðÞÑð ¨÷î ÙððÐð÷ ±ðÚð÷ òÀ×ð÷üμðÜ/×ððüÀ/¡òÏðÙððÐð äð÷ÚðÜ ¡ò±ßÙðð÷ü ¨÷î òâð¦ âðð±ðõ ¡ðòçÃð ãð±ðóá¨îÜÂð ¡ðøÜ ÑßðãðÏððÐð ¨îÜÐð÷ ¨÷îçððÙððÐÚð òãðãð÷¨îÑðõÂðá ÙððÐðÇüÀð÷ü ¨÷î ¡ÏðóÐð èøÈ.E3 The debentures/ bonds/ preference shares deemed to be in the nature of advance, are subject to theusual prudential norms of asset classification and provisioning that are applicable to advances.´ 4 ÑðòÜÑð©ãðÃðð Ãð¨î ÏððòÜÃð Ü®ðÐð÷ ¨÷î £É÷äÚð çð÷ ò¨îÚð÷ ±ðÚð÷ òÐðãð÷äðð÷ü ¨îð÷ ``ÑðòÜÑð©ãðÃðð Ãð¨î ÏððòÜÃð'' å÷Âðó ¨÷î ¡üÃð±ðáÃð ãð±ðóá¨öîÃð ò¨îÚðð¸ððÃðð èø. ¦÷çð÷ òÐðãð÷äðð÷ü ¨îð÷ ¸ð×ð Ãð¨î Úðè ¡üò¨îÃð ÙðõâÚð çð÷ ¡òÏð¨î Ðð èð÷, ¡¸ðáÐð âðð±ðÃð ¨÷î ¡ÐðôçððÜ òèçðð×ð Ùð÷ü òâðÚðð ¸ððÃððèø. ¦÷çð÷ ÙððÙðâð÷ Ùð÷ü ÑßóòÙðÚðÙð ¨îð÷ ÑðòÜÑð©ãðÃðð ¨îó äð÷æð ¡ãðòÏð Ùð÷ü ÑðòÜäðð÷òÏðÃð ò¨îÚðð ¸ððÃðð èø. ýçð å÷Âðó ¨÷î ¡üÃð±ðáÃð çðèðÚð¨îçðüçÆðð¡ð÷ü/çðüÚðô©Ãð £ÌðÙðð÷ü Ùð÷ü òÐðãð÷äðð÷ü ¨÷î ÙðõâÚð Ùð÷ü ¡çÆððÚðó çãðÞÑð ¨îó ¨îÙðó ¨÷î ¡âððãðð èð÷Ðð÷ ãððâðó ¨îÙðó ¨÷î çðü×ðüÏð Ùð÷ü ÑßÃÚð÷¨îòÐðãð÷äð ¨÷î òâ𦠡âð±ð-¡âð±ð ÑßðãðÏððÐð ò¨îÚðð ¸ððÃðð èø. ýçð å÷Âðó Ùð÷ü òÐðãð÷äðð÷ü ¨îó ò×ðªîó çð÷ èô¦ âððØð ¨îð÷ Ñðèâð÷ âððØð-èðòÐð ®ððÃð÷Ùð÷ü ¸ðÙðð ò¨îÚðð ¸ððÃðð èø ¡ðøÜ ÃðÃÑðäμððÃðþ ãðæðá ¨÷î ¡üÃð Ùð÷ü Ñðõü¸ðó±ðÃð òܺðãðá ®ððÃð÷ Ùð÷ü çðÙððÚðð÷ò¸ðÃð ò¨îÚðð ¸ððÃðð èø.82

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)E4Investments acquired with the intention to hold till maturity are categorised under Held to Maturity.Such investments are carried at acquisition cost unless it is more than the face value, in which casethe premium is amortised over the remaining period of maturity. Diminution, other than temporary,in the value of investments in subsidiaries/ joint ventures under this category is provided for eachinvestment individually. Profits on sale of investments in this category are first credited to Profit andLoss account and thereafter appropriated to the Capital Reserve Account at the year end.´5 ¡âÑððãðòÏð ÙðõâÚð/×Úðð¸ð ÇÜ Ùð÷ü èð÷Ðð÷ ãððâð÷ ÑðòÜãðÃðáÐðð÷ü çð÷ âððØ𠣿ðÐð÷ ¨÷î òâ𦠪îÚð-òãðªîÚð ¨÷î £É÷äÚð çð÷ ò¨îÚð÷ ±ðÚð÷ òÐðãð÷äðð÷ü ¨îð÷`ªîÚð-òãðªîÚð ¨÷î òâð¦ ÏððòÜÃð' äðóæðá ¨÷î ¡üÃð±ðáÃð ãð±ðóá¨öîÃð ò¨îÚðð ¸ððÃðð èø. ¸ðð÷ òÐðãð÷äð £ÑðÚðôá©Ãð Çð÷Ððð÷ü å÷òÂðÚðð÷ü Ùð÷ü ÐðèóÈ ¡ðÃð÷ èøü,£Ðè÷ü ``ò×ðªîó ¨÷î òâ𦠣Ñðâð×Ïð'' äðóæðá ¨÷î ¡üÃð±ðáÃð ãð±ðóá¨öîÃð ò¨îÚðð ¸ððÃðð èø.E5 Investments acquired with the intention to trade by taking advantage of the short-term price/ interestrate movements are categorised under Held for Trading. Investments which do not fall within the abovetwo categories, are categorised under “Available for Sale”.´6 ``ªîÚð òãðªîÚð ¨÷î òâð¦ ÏððòÜÃð'' ÃðÆðð ``ò×ðªîó ¨÷î òâ𦠣Ñðâð×Ïð'' å÷òÂðÚðð÷ü ¨÷î ¡üÃð±ðáÃð ãð±ðóá¨öîÃð òÐðãð÷äðð÷ü ¨îð÷ ÑßòÃðØðõòÃð-ãððÜ ×ðð¸ððÜÙðõâÚð ÑðÜ ×ðèó Ùð÷ü ¡üò¨îÃð ò¨îÚðð ¸ððÃðð èø ¡ðøÜ ýçð¨÷î ¨îðÜÂð ÑßÃÚð÷¨î å÷Âðó Ùð÷ü èô¦ òÐðãðâð éðçð, ÚðòÇ ¨îð÷ýá èð÷, ¨îð÷ âððØð ¦ãðüèðòÐð ®ððÃð÷ Ùð÷ü ÇäððáÚðð ¸ððÃðð èø ¸ð×ðò¨î ò¨îçðó òÐðãðâð ãðöòÊ, ÚðòÇ ¨îð÷ýá èð÷, ¨îð÷ ÐðèóÈ ÇäððáÚðð ¸ððÃðð èø.E6 Investments classified as “Held for Trading” and “Available for Sale” are marked to market scrip-wise andthe resultant net depreciation, if any, in each category is recognized in the Profit and Loss account, whilethe net appreciation, if any, is ignored.´7 ªîÚð-òãðªîÚð ¨÷î òâð¦ ÏððòÜÃð ÃðÆðð ò×ðªîó ¨÷î òâ𦠣Ñðâð×Ïð å÷Âðó ãððâð÷ òÐðãð÷äðð÷ü ¨îð ÙðõâÚððü¨îÐð òÐðÙÐððÐðôçððÜ ò¨îÚðð ¸ððÃðð èø :E7 Investments categorised as Held for Trading and Available for sale are valued in the following manner:¾à÷¸ðÜó ò×ðâðð÷ü ¨îð ÙðõâÚððü¨îÐð Ü®ððãð âðð±ðÃð ÑðÜ ò¨îÚðð ¸ððÃðð èø.Treasury Bills are valued at carrying cost,ªîÚð-òãðªîÚð/£ÊöÃð òÐðãð÷äðð÷ü ¨îð ×ðð¸ððÜ ÙðõâÚð ç¾ðù¨î ¦©çðμð÷ü¸ðð÷ü Ùð÷ü £Ñðâð×Ïð ªîÚð-òãðªîÚð/£Ñðâð×Ïð Øððãð-çðõμðó çð÷ òâðÚðð ¸ððÃðð èø.çðܨîðÜó ÑßòÃðØðõòÃðÚðð÷ü ¨îð ÙðõâÚð ×ðð¸ððÜ ÙðõâÚðð÷ü ¡Æðãðð òÐðÏððáòÜÃð ¡ðÚð ÙðôÍð ×ðð¸ððÜ ¡ðøÜ ãÚðôÃÑðÐÐð çðü³ð (¦Òî¡ðýá¦Ùð¦ÙðÀó¦) ¨÷îçððÆð òÙðâð¨îÜ ØððÜÃðóÚð ÑßðÆðòÙð¨î ãÚððÑððÜó çðü³ð (ÑðóÀó¦¡ðýá) ÎðÜð ³ðð÷òæðÃð ÙðõâÚðð÷ü ¨÷î ¡ðÏððÜ ÑðÜ òâðÚðð ¸ððÃðð èø ¡ðøÜIn respect of traded/ quoted investments, the market price is taken from the trades/quotes available onthe stock exchanges. Government Securities are valued at market prices or prices declared by PrimaryDealers Association of India (PDAI) jointly with Fixed Income Money Market and Derivative Associationof India (FIMMDA) and¡ÐðôÊöÃð äð÷ÚðÜð÷ü/ÚðõòÐð¾ð÷ü ¨îð ÙðõâÚð òãðäâð÷òæðÃð ÙðõâÚð/ÑðôÐð®ðáÜóÇ ÙðõâÚð ¡Æðãðð òÐðãðâð ¡ðòçÃð ÙðõâÚð ¨÷î ¡ðÏððÜ ÑðÜ òÐð¨îðâðð ¸ððÃððèø. òÐðòäμðÃð ¡ðÚð ãððâðó ¡ÐðôÊöÃð ÑßòÃðØðõòÃðÚðð÷ü ¨îð ÙðõâÚð çðÙððÐð ÑðòÜÑð©ãðÃðð ¡ãðòÏð ãððâðó ¨÷îÐÍ çðܨîðÜ ¨îó ÑßòÃðØðõòÃðÚðð÷ü ¨îó ãððýá¾ó¦ÙðÇÜð÷ü ÑðÜ çðÙðôòμðÃð ÞÑð çð÷ ¡òÏð¨î ÇÜ òÐðÏððáòÜÃð ¨îÜ ÑðòÜÑð©ãðÃðð ÑðÜ ÑßòÃðÒîâð (ãððýá¾ó¦Ùð) ¡ðÏððÜ ÑðÜ òÐð¨îðâðð ¸ððÃðð èø.The unquoted shares/ units are valued at break-up value/ repurchase price or at Net Asset Value. Theunquoted fixed income securities are valued on Yield to Maturity (YTM) basis with appropriate mark-upover the YTM rates for Central Government securities of equivalent maturity.´8 òÐðãð÷äðð÷ü ¨îó Üðòäð ÑßðãðÏððÐðð÷ü ¨îð÷ ³ð¾ð¨îÜ ÇäððáÚðó ¸ððÃðó èø.E8 Investments are shown net of provisions.´9 ÑßòÃðØðõòÃðÚðð÷ü ¨÷î ¡òØðÇðÐð ÑðÜ ÑßðÑÃð ¡Ñð-Ôüî¾ Ñßð÷ÃçððèÐð Üðòäð ¨îð÷ ¡ðÚð ÙððÐðð ¸ððÃðð èø.E9 Upfront incentives received on subscription to securities are recognised as income.83

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)´10 òÐðãð÷äðð÷ü ¨îó Üðòäð ¥Âð âð÷Ðð÷ ¨÷î òâð¦ Çó ±ðÚðó ÑßòÃðØðõòÃðÚðð÷ü ¨îð÷ ³ð¾ð¨îÜ Çäððáýá ¸ððÃðó èø ÃðÆðð ýçðÙð÷ü ªîÙðäð: Ü÷Ñðð÷/òÜãðçðá Ü÷Ñðð÷ãÚðãðçÆðð¡ð÷ü ¨÷î ¡üÃð±ðáÃð òÇÚð÷ ±ðÚð÷ £ÏððÜð÷ü ¨÷î ÑßòÃð ÑßðÑÃð ÑßòÃðØðõòÃðÚðð÷ü ¨îð÷ äððòÙðâð ò¨îÚðð ¸ððÃðð èø.E10 Investments are shown net of securities given against borrowing and include securities received againstlending under Repo/ Reverse Repo arrangements respectively.μðFÀ÷òÜãð÷ò¾ãð âð÷Ðð-Ç÷ÐðDerivative transactions``×ðμððãð'' (è÷¸ð) ¨÷î ÞÑð Ùð÷ü òÐðòÇáæ¾ âð÷ÐðÇ÷Ððð÷ü Ùð÷ü :In Transactions designated as ‘Hedge’:μð1F1μð2F2μð3F3μð4F4À÷òÜãð÷ò¾ãð âð÷ÐðÇ÷Ððð÷ü ÑðÜ Ç÷Úð / ÑßðÑÚð òÐðãðâð ×Úðð¸ð ¨îó ±ðÂðÐðð £ÑðμðÚð ¡ðÏððÜ ÑðÜ ¨îó ¸ððÃðó èø.Net interest payable/ receivable on derivative transactions is accounted on accrual basis.è÷¸ð çãðøÑðð÷ü ¨÷î ¡ãðòÏðÑðõãðá çðÙððÑÃð èð÷Ðð÷ ÑðÜ ò¨îçðó âððØð/èðòÐð ¨îð÷ çãðøÑð ¨îó äð÷æð ¡Ððô×ðüòÏðÃð ¡ãðòÏð Úðð ¡ðòçÃð/Ç÷ÚðÃðð ¨îó ¡ãðòäð澡ãðòÏð, ¸ðð÷ Øðó ¨îÙð èð÷, ¨÷î ¡ðÏððÜ ÑðÜ ÙððÐðð ¸ððÃðð èø.On premature termination of Hedge swaps, any profit/ losses are recognised over the remaining contractuallife of the swap or the residual life of the asset/ liability whichever is lesser.¡üÃðòÐðáòèÃð Ç÷ÚðÃðð Ùð÷ü ÑðòÜãðÃðáÐð çð÷ è÷¸ð çãðøÑðð÷ü ¨îð÷ ÑðôÐð: òãðòÐðòÇáæ¾ ¨îÜÐð÷ ¨îó ±ðÂðÐðð ¨÷î òâð¦ ýçð÷ ¦¨î è÷¸ð ¨îó çðÙððòÑÃð ¡ðøÜÇõçðÜ÷ ¨î𠡸ðáÐð ÙððÐðð ¸ððÃðð èø.Redesignation of hedge swaps by change of underlying liability is accounted as the termination of onehedge and acquisition of another.è÷¸ð ¨îÜðÜð÷ü ¨îð÷ Ãð×ð Ãð¨î ×ðð¸ððÜ ÙðõâÚð ¨÷î ¡ÐðôçððÜ ¡üò¨îÃð ÐðèóÈ ò¨îÚðð ¸ððÃðð èø ¸ð×ð Ãð¨î ò¨î £çð¨÷î ¡üÃðòÐðáòèÃð ¨îð÷ Øðó ×ðð¸ððÜÙðõâÚð ¨÷î ¡ÐðôçððÜ ¡üò¨îÃð ÐðèóÈ ò¨îÚðð ¸ððÃðð. ×ðð¸ððÜ ÙðõâÚð ¨îð÷ ×ðèó Ùð÷ü ¡üò¨îÃð ¨îÜÐð÷ ¨÷î ÙððÙðâð÷ ¨÷î çðü×ðüÏð Ùð÷ü è÷¸ð ¨îÜðÜð÷ü ¨÷î×ðð¸ððÜ ÙðõâÚð Ùð÷ü ÑðòÜãðÃðáÐðð÷ü ¨îð÷ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü Ǹðá ò¨îÚðð ¸ððÃðð èø.Hedge contracts are not marked to market unless the underlying is also marked to market. In respectof hedge contracts that are marked to market, changes in the market value are recognized in the profitand loss account.`ªîÚð-òãðªîÚð' ¨÷î ÞÑð Ùð÷ü òÐðòÇáæ¾ âð÷ÐðÇ÷Ððð÷ü Ùð÷ü :In Transactions designated as ‘Trading’:μð5F5×ð¨îðÚðð À÷òÜãð÷ò¾ãð âð÷ÐðÇ÷Ððð÷ü, ò¸ðÐè÷ü ªîÚð-òãðªîÚð ¨÷î òâð¦ òãðòÐðòÇáæ¾ ò¨îÚðð ±ðÚðð èø, Ùð÷ü ×Úðð¸ð ÇÜ çãðøÑð, ¡üÃðÜÙðôÍð çãðøÑð, ¡üÃðÜÙðôÍðòãð¨îâÑð ¦ãðü ãððÚðÇð ÇÜ ¨îÜðÜ äððòÙðâð èøÈ, ¨îó £Ðð¨÷î £òμðÃð ÙðõâÚð ÑðÜ ±ðÂðÐðð ¨îó ¸ððÃðó èø. ýçð¨÷î ÒîâðçãðÞÑð èô¦ âððØð/èðòÐð¨îð÷ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü òÇ®ððÚðð ¸ððÃðð èø. ¡ðùÑäðÐðð÷ü ÑðÜ ÑßóòÙðÚðÙð ¨îð÷ ÃðôâðÐð-Ñðëð ¨îó ÙðÇ ¨÷î ÞÑð Ùð÷ü Ǹðá ò¨îÚðð ¸ððÃððèø ¡ðøÜ ýçð÷ ÑðòÜÑð©ãðÃðð/òÐðÜçÃð èð÷Ðð÷ ÑðÜ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü ¡üÃðòÜÃð ¨îÜ òÇÚðð ¸ððÃðð èø.Outstanding derivative transactions designated as ‘Trading’, which includes interest rate swaps, crosscurrency swaps, cross currency options and forward rate agreements, are measured at their fair value.The resulting profits/ losses are included in the profit and loss account. Premium on options is recordedas a balance sheet item and transferred to Profit and Loss Account on maturity/ cancellation. ¡μðâð ¡ðòçÃðÚððü ¦ãðü ÙðõâÚðãðçðGFixed Assets and depreciation1 ¡μðâð ¡ðòçÃðÚðð÷ü ¨îð÷, ÑðôÐðÙðáõâÚðÐð¨öîÃð ÙððÙðâðð÷ü ¨îð÷ ð÷Àÿ¨îÜ, ¦÷òÃðèðòçð¨î âðð±ðÃð ÑðÜ òâðÚðð ¸ððÃðð èø. ÑðôÐðÙðáõâÚðÐð ÑðÜ ÚðòÇ ¨îð÷ýáãðöòÊ èôýá èð÷ Ãðð÷ £çð÷ ``ÑðôÐðÙðáõâÚðÐð òܺðãðá'' ®ððÃð÷ Ùð÷ü ¸ðÙðð ò¨îÚðð ¸ððÃðð èø. ÑðôÐðÙðáõâÚðÐð¨öîÃð ¡ðòçÃðÚðð÷ü ¨÷î ÙððÙðâðð÷ü Ùð÷ü ÑðôÐðÙðáõâÚðÐð¨÷î ÒîâðçãðÞÑð èô¦ ¡òÃðòÜ©Ãð ÙðõâÚðãðçð ¨îð÷ ÑðôÐðÙðõáâÚðÐð òܸðãðá çð÷ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü ¡üÃðòÜÃð ¨îÜ òÇÚðð ¸ððÃðð èø.84

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)G1Fixed assets are carried at historical cost except wherever revalued. The appreciation on revaluation, ifany, is credited to the ‘Revaluation Reserve’ Account. In respect of revalued assets, the additionaldepreciation consequent to revaluation is transferred from Revaluation Reserve to the Profit and Lossaccount.2 5000 ÝÑðÚð÷ çð÷ ¨îÙð âðð±ðÃð ãððâðó ¡μðâð ¡ðòçÃðÚðð÷ü ¨îð÷ £Ðð¨÷î âð÷Ðð÷ ¨÷î ãðæðá Ùð÷ü èó ÑðõÂðá ÞÑð çð÷ ÙðõâÚðãðòçðÃð ¨îÜ òÇÚðð ¸ððÃðð èø.G2 Fixed assets individually costing less than Rs. 5000 are fully depreciated in the year of addition.3 ÙðõâÚðãðçð ÑðòÜãðÏðáÐð ¨îó ÃððÜó®ð çð÷ çðóÏðó Ü÷®ðð ÑðÊòÃð (¦çð¦âð¦Ùð) ÎðÜð âð±ððÚðð ¸ððÃðð èø. ¨üîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 ¨îó ¡ÐðôçðõμðóXIV Ùð÷ü Çó ±ðÚðó ÙðõâÚðãðçð ¨îó ÇÜð÷ü ¨îð÷ ÐÚðõÐðÃðÙð ÇÜ÷ü ÙððÐðð ¸ððÃðð èø. ÚðòÇ Ñß×ðüÏðÐð ¨÷î ¡ÐðôÙððÐð ¨÷î ¡ÐðôçððÜ ò¨îçðó ¡ðòçÃð ¨îð÷¡ò¸ðáÃð ¨îÜÃð÷ çðÙðÚð £çð ¡μðâð ¡ðòçÃð ¨÷î ¡ÐðôÙððòÐðÃð ¸ðóãðÐð ¨îðâð Úðð ×ððÇ Ùð÷ü çðÙðóêðð ¨îÜÐð÷ ÑðÜ £çð¨îð äð÷æð £ÑðÚðð÷±ðó ¸ðóãðÐð¨îðâð¨îÙð èð÷ ¸ððÃðð èø Ãðð÷ Ñß×ðüÏðÐð ÎðÜð £ÑðÚðð÷±ðó ¸ðóãðÐð¨îðâð/×ðð¨îó £ÑðÚðð÷±ðó ¸ðóãðÐð¨îðâð ¨÷î ¡ÐðôÙððÐð ¨÷î ¡ðÏððÜ ÑðÜ Ÿ¸»¥¡¸ã¸Ù¸ ¨îó ¤ûμðóÇÜ âð±ððÚðó ¸ððÃðó èø. ýçð ÐðóòÃð ¨÷î μðâðÃð÷ ÙðõâÚðãðçð ¨îð ÑßðãðÏððÐð òÐðÙÐðòâðò®ðÃð ÇÜð÷ü ¨÷î ¡ÐðôçððÜ ò¨îÚðð ±ðÚðð èø :G3 Depreciation is provided on Straight Line Method (SLM) from the date of addition. The rates of depreciationprescribed in Schedule XIV of the Companies Act, 1956 are considered as the minimum rates. If themanagement’s estimate of the useful life of a fixed asset at the time of acquisition of the asset or of theremaining useful life on a subsequent review is shorter, depreciation is provided at a higher rate based onmanagement’s estimates of the useful life/ remaining useful life. Pursuant to this policy, depreciation hasbeen provided using the following rates:¡ðòçÃðÚððü / Assets ÙðõâÚðãðçð ¨îó ÇÜ / Depreciation RateÑðòÜçðÜ / Premises 1.63%ÒîÐðóáμðÜ ¦ãðü òÒî©çðþμðçðá / Furniture and fixtures 8.33%ò×ð¸ðâðó çðüçÆððÑðÐðð ¦ãðü ÙðäðóÐðÜó / Electrical installation and machinery 8.33%Ùðð÷¾Ü ãððèÐð / Motor vehicles 20%¨üîÑÚðõ¾Ü / Computers 33.33%çãðμððòâðÃð ¾÷âðÜ ÙðäðóÐð / Automated Teller Machines 12.50%ãðó-çðø¾ £Ñð¨îÜÂð / VSAT equipment 10%¨îÙðáμððòÜÚðð÷ü ¨÷î Ñððçð ò¾¨î𤠣ÑðØðð÷©Ãðð ãðçÃðô¦üConsumer durables with employees 20%4 ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðòÏðáÃð/×ð÷μðó ±ðÚðó ¡μðâð ¡ðòçÃðÚðð÷ü ÑðÜ ãððçÃðòãð¨î ¡ãðòÏð ¨÷î òâð¦ ÙðõâÚðãðçð ¨îð ÑßðãðÏððÐð ò¨îÚðð ¸ððÃðð èø.G4 Depreciation on additions/ sale of fixed assets during the year is provided for the actual period. 5 âðó¸ð ãððâðó ØðõòÙð ¨îð÷ âðó¸«ð ¨îó ¡ãðòÏð Ùð÷ü ÑðòÜäðð÷òÏðÃð ò¨îÚðð ¸ððÃðð èø.G5 Leasehold land is amortised over the period of lease.6 2.5 âðð®ð ÝÑðÚð÷ çð÷ ¡òÏð¨î âðð±ðÃð ãððâð÷ ¨üîÑÚðõ¾Ü çððùÓ¾ãð÷ÚðÜ ¨îð÷ Ñðõü¸ðó¨öîÃð ò¨îÚðð ¸ððÃðð èø ¡ðøÜ ýçð÷ ýçð¨÷î £ÑðÚðð÷±ðó ¸ðóãðÐð¨îðâðÙð÷ü ÙðõâÚðãðòçðÃð ò¨îÚðð ¸ððÃðð èø ò¸ðçð¨îó ¡ãðòÏð 5 ãðæðá çð÷ ¡òÏð¨î ÐðèóÈ èð÷Ãðó.G6 Computer Software costing more than Rs. 2.50 lakh is capitalised and depreciated over its useful life, notexceeding 5 years.85

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¸ðHâðó¸«ð ÑðÜ Çó ±ðÚðó ¡ðòçÃðÚððüAssets given on lease¸ð1H1¸ð2H231 Ùððμðá 2001 ¨îð÷ Úðð ýçðçð÷ Ñðõãðá ×ðøȨî ÎðÜð òãðÄð âðóºð ÑðÜ Çó ±ðÚðó ¡ðòçÃðÚðð÷ü ¨îð÷ ``¡μðâð ¡ðòçÃðÚðð÷ü'' ¨÷î ¡üÃð±ðáÃð ``âðó¸«ðÑðÜ Çó ±ðÚðó ¡ðòçÃðÚðð÷ü'' ¨÷î ÞÑð Ùð÷ü ãð±ðóá¨öîÃð ò¨îÚðð ¸ððÃðð èø. ýÐð ÑðÜ ¨üîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 ¨îó ¡Ððôçðõμðó XIV Ùð÷ü Çó ±ðÚðóÇÜð÷ü ¨÷î ¡ÐðôçððÜ çðóÏðó Ü÷®ðð ÑðÊòÃð ¨÷î ¡ðÏððÜ ÑðÜ ÙðõâÚðãðçð ¨îð ÑßðãðÏððÐð ò¨îÚðð ¸ððÃðð èø. ``âðó¸«ð çðÙð¨îÜÂð'' Üðòäð, ¸ðð÷ ãððòæðá¨îâðó¸«ð ÑßØððÜ ¡ðøÜ ÙðõâÚðãðçð ¨÷î ×ðóμð ¨÷î ¡üÃðÜ ¨îð÷ ÇäððáÃðó èø, ¨îð÷ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü çðÙððÚðð÷ò¸ðÃð ò¨îÚðð ¸ððÃðð èø.Assets given on finance lease by the Bank on or before March 31, 2001 are classified as “Leased Assets”under “Fixed Assets”. Depreciation thereon is provided on SLM basis at the rates prescribed underSchedule XIV of the Companies Act, 1956. The amount of “Lease Equalisation” representing the differencebetween the annual lease charge and the depreciation is adjusted in the Profit & Loss Account.31 Ùððμðá 2001 ¨÷î ×ððÇ òãðÄð âðó¸«ð ¨÷î ¡üÃð±ðáÃð Çó ±ðÚðó ¡ðòçÃðÚðð÷ü ¨îð÷ âð÷®ððü¨îÐð ÙððÐð¨î 19 ¨÷î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçððÜ òèçðð×ðÙð÷ü òâðÚðð ¸ððÃðð èø ¡ðøÜ ýçð÷ ``¡ÐÚð ¡ðòçÃðÚðð÷ü'' ¨÷î ¡üÃð±ðáÃð äððòÙðâð ò¨îÚðð ¸ððÃðð èø.Assets given under finance lease after March 31, 2001 are accounted in accordance with the provisions ofAS 19 and included under “Other Assets”.»ð ÑßòÃðØðõòÃð¨îÜÂð âð÷ÐðÇ÷ÐðISecuritisation TransactionsòãðòØðÐÐð £ÑðØðð÷©Ãðð ¥Âðð÷ü ¨÷î ÑßòÃðØðõòÃð¨îÜÂð ¨÷î ÑðòÜÂððÙð çãðÞÑð ýÐð ¡ðòçÃðÚðð÷ü ¨îó òãðäð÷æð ÑßÚðð÷¸ðÐð ãððâðó çðüçÆðð¡ð÷ü (¦çðÑðóãðó) ¨îð÷ò×ðªîó èð÷Ãðó èø, ¸ðð÷ ýçð¨÷î ×ðÇâð÷ òÐðãð÷äð¨îð÷ü ¨îð÷ ÑßòÃðØðõòÃðÚððü ¸ððÜó ¨îÜÃðó èøÈ. ÑßòÃðØðõòÃð¨öîÃð ¡ðòçÃðÚðð÷ü Ùð÷ü ¡Ððô×ðüòÏðÃð ¡òÏð¨îðÜð÷ü Ñðܸð×ð òÐðÚðüëðÂð Ððèóü ÜèÃðð èø Ãðð÷ ¦÷çðó òãðÄðóÚð ¡ðòçÃðÚðð÷ü ¨îð÷ ¡ðüòäð¨î ¡Æðãðð ÑðõÂðáÃð: è¾ð òÇÚðð ¸ððÃðð èø. ×ðøȨî ò×ðªîó ÑðÜ èð÷Ðð÷ ãððâðóò¨îçðó èðòÐð ¨îð÷ Ãðèîðâð òèçðð×ð Ùð÷ü âð÷Ãðð èø ¡ðøÜ ò×ðªîó çð÷ èð÷Ðð÷ ãððâð÷ âððØð/ÑßóòÙðÚðÙð ¨îð÷ ¦çðÑðóãðó, ò¸ðÐè÷ü ¡ðòçÃðÚððü ×ð÷μðó ±ðÚðó èøü,ÎðÜð ¸ððÜó ¨îó ±ðÚðó Úðð ¸ððÜó ¨îó ¸ððÐð÷ ãððâðó ÑßòÃðØðõòÃðÚðð÷ü ¨÷î ¸ðóãðÐð ¨îðâð Ùð÷ü ÑðòÜäðð÷òÏðÃð ò¨îÚðð ¸ððÃðð èø.Securitisation of various consumer loans result in sale of these assets to Special Purpose Vehicles (‘SPVs’),which, in turn issue securities to investors. Financial assets are partially or wholly derecognised when thecontrol of the contractual rights in the securitised assets is lost. The Bank accounts for any loss arising on saleimmediately at the time of sale and the profit/ premium arising on account of sale is amortised over the life ofthe securities issued or to be issued by the SPV to which the assets are sold.½ðJòãðÄðóÚð ¡ðòçÃðÚðð÷ü ¨îó ÑßòÃðØðõòÃð¨îÜÂð ¨üîÑðòÐðÚðð÷ü/ÑðôÐðçðáÈÜμðÐðð ¨üîÑðòÐðÚðð÷ü ¨îð÷ ò×ðªîóSale of financial assets to Securitisation Companies/ Reconstruction CompaniesÑßòÃðØðõòÃð¨îÜÂð ¨üîÑðòÐðÚðð÷ü(¦çðçðó) / ÑðôÐðçðáÈÜμðÐðð ¨üîÑðòÐðÚðð÷ü (¡ðÜçðó) ¨îð÷ òãðÄðóÚð ¡ðòçÃðÚðð÷ü ¨îó ò×ðªîó ¨îó ±ðÂðÐðð ÑßðÑÃð ÑßòÃðØðõòÃð ÜçðóÇð÷ü(¦çð¡ðÜ)/Ñððçð Æßõ ÑßÙððÂðÑðëð (Ñðó¾óçðó) ¨÷î äðð÷ÏðÐð ÙðõâÚð ¡ðøÜ òãðÄðóÚð ¡ðòçÃð ¨÷î òÐðãðâð ×ðèó ÙðõâÚð Ùð÷ü çð÷, ¸ðð÷ ¨îÙð èð÷, ¨÷î ¡ðÏððÜÑðÜ ¨îó ¸ððÃðó èø. ¦çð¡ðÜ/Ñðó¾óçðó ¨îð÷ ò×ðªîó Úðð ãðçðõâðó èð÷Ðð÷ Ãð¨î ýçð ÙðõâÚð ÑðÜ Ü®ðð ¸ððÃðð èø. ¦÷çðó ò×ðªîó ¡Æðãðð ãðçðõâðó ÑðÜ èð÷Ðð÷ãððâð÷ âððØð ¨îð÷ âððØð-èðòÐð ®ððÃð÷ Ùð÷ü Ǹðá ÐðèóÈ ò¨îÚðð ¸ððÃðð ×ðòâ¨î £Ðè÷ü ¦çðçðó Úðð ¡ðÜçðó ¨îð÷ ¡ÐÚð òãðÄðóÚð ¡ðòçÃðÚðð÷ü ¨îó ò×ðªîó¡Æðãðð ¡ÐÚð ¦çð¡ðÜ/Ñðó¾óçðó ¨îó ãðçðõâðó çð÷ èð÷Ðð÷ ãððâðó èðòÐð/¨îÙðó ¨îó ÑßòÃðÑðõòÃðá ¨÷î òâð¦ ÑßðãðÏððÐðð÷ü ¨÷î ÃððøÜ ÑðÜ ¡âð±ð çð÷ ÇäððáÚðð¸ððÃðð èø. ¦÷çðó ò×ðªîó ¡Æðãðð ãðçðõâðó çð÷ èð÷Ðð÷ ãððâðó èðòÐðÚðð÷ü ¨îð÷ ÑðõãðáãðÃðóá âððØðð÷ü çð÷ çðöò¸ðÃð ÑßðãðÏððÐðð÷ü ¨÷î äð÷æð, ÚðòÇ ¨îð÷ýá èøÈ, Ùð÷ü çð÷çðÙððÚðð÷ò¸ðÃð ò¨îÚðð ¸ððÃðð èø ¡ðøÜ èðòÐð ¨îó äð÷æð Üðòäð âððØð-èðòÐð ®ððÃð÷ Ùð÷ü ÑßØððòÜÃð ¨îó ¸ððÃðó èø.Sale of financial assets to Securitisation Companies (SCs)/ Reconstruction Companies (RCs) is reckoned at thelower of the redemption value of Security Receipts (SRs)/ Pass Through Certificates (PTCs) received and thenet book value of the financial asset. The SRs/ PTCs are carried at this value till their sale or realisation. Gainsarising on such sale or realisation are not recognised in the profit and loss account but earmarked as provisions86

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)for meeting the losses/ shortfall arising on sale of other financial assets to SCs/ RCs or sale/ realisation of otherSRs/ PTCs. Losses arising on such sale or realisation are first set off against balance of provisions, if any,created out of earlier gains and residual amount of losses are charged to profit and loss account.¾KòãðÇ÷äðó ÙðôÍð âð÷ÐðÇ÷ÐðForeign Currency Transactions¾1K1¾2K2¾3K3¾4K4¾5K5×ðøÈ¨î ¨÷î òãðÇ÷äð Ùð÷ü ¨îð÷ýá ÑðòÜμððâðÐð ÐðèóÈ èøü. òãðÇ÷äðó ÙðôÍð âð÷ÐðÇ÷Ððð÷ü ¨îð ¡ðÜüòØð¨î ¡òØðòÐðÏððáÜÂð èð÷Ðð÷ ÑðÜ âð÷ÐðÇ÷Ðð ¨îó ÃððÜó®ð ¨îð÷¸ððÜó òãðòÐðÙðÚð ÇÜ ÑðÜ òܨîðùÀá ò¨îÚðð ¸ððÃðð èø. ÙððøòÍ¨î ¡ðòçÃðÚðð÷ü ¡ðøÜ Ç÷ÚðÃðð¡ð÷ü ¨îð÷ ØððÜÃðóÚð òãðÇ÷äðó ÙðôÍð ãÚððÑððÜ çðü³ð (Ò÷îÀðýá)ÎðÜð òÐðÏððáòÜÃð ×ðüÇ ÇÜð÷ü ÑðÜ ÞÑððüÃðòÜÃð ò¨îÚðð ¸ððÃðð èø ¡ðøÜ ýçð¨÷î ÒîâðçãðÞÑð èð÷Ðð÷ ãððâð÷ âððØð Úðð èðòÐð ¨îð÷ âððØð ¦ãðü èðòÐð®ððÃð÷ Ùð÷ü òÇ®ððÚðð ¸ððÃðð èø. Ùððøòͨî ÙðÇð÷ü ¨÷î òÐðÑð¾ðÐð çð÷ £ÃÑðÐÐð èð÷Ðð÷ ãððâð÷ òãðòÐðÙðÚð ¡üÃðÜðâðð÷ü ¨îð÷ £çð ¡ãðòÏð ¨îó ¡ðÚð ÚððãÚðÚð ¨÷î ÞÑð Ùð÷ü ÙððÐðð ¸ððÃðð èø ò¸ðçðÙð÷ü ãð÷ £ÃÑðÐÐð èð÷Ãð÷ èøü.The Bank does not have any foreign operations. Foreign currency transactions, on initial recognition arerecorded at the exchange rate prevailing on the date of transaction. Monetary assets and liabilities aretranslated at the closing rates prescribed by Foreign Exchange Dealers Association of India (FEDAI) andthe resultant gain or loss is recognised in the profit and loss account. Exchange differences arising on thesettlement of monetary items are recognised as income or expense in the period in which they arise.¦÷çðó ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü, ¸ðð÷ ãÚððÑððÜ Úðð çð¾þ¾÷ ¨÷î òâð¦ ÐðèóÈ ¨îó ±ðýá èøÈ, ¨÷î äðôÝ¡ðÃð Ùð÷ü ÑßðÑÃð ÑßóòÙðÚðÙð Úðð ×ð¾þ¾÷ ¨îð÷çðüòãðÇð ¨÷î ¸ðóãðÐð¨îðâð Ùð÷ü ãÚðÚð Úðð ¡ðÚð ¨÷î ÞÑð Ùð÷ü ÑðòÜäðð÷òÏðÃð ò¨îÚðð ¸ððÃðð èø. ¡ÐÚð ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü ÑðÜ ÑßóòÙðÚðÙðÚðð õ¾ ¨îð÷ ÐðèóÈ ÙððÐðð ¸ððÃðð èø. .Premium or discount arising at the inception of Forward Exchange Contracts which are not intended fortrading or speculation is amortised as expense or income over the life of the contract. Premium ordiscount on other Forward Exchange Contracts is not recognised.¦÷çðó ×ð¨îðÚðð ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü, ¸ðð÷ ãÚððÑððÜ Úðð çð¾þ¾÷ ¨÷î òâð¦ ÐðèóÈ èøü, ¨îð Ò÷îÀðýá ¨îó ×ðüÇ ÇÜð÷ü ÑðÜ ÑðôÐðÙðáõâÚðÐð ò¨îÚðð¸ððÃðð èø. ¡ÐÚð ×ð¨îðÚðð ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü ¨îð ÑðôÐðÙðáõâÚðÐð Ò÷îÀðýá ÎðÜð òãðòÐðáòÇæ¾ ÑðòÜÑð©ãðÃðð¡ð÷ü ¨÷î òâ𦠡òÏðçðõòμðÃðòãðòÐðÙðÚð ÇÜð÷ü Úðð ×ðóμð ¨îó ÑðòÜÑð©ãðÃðð¡ð÷ü ¨îó ¡üÃðãð÷áòäðÃð ÇÜð÷ü ÑðÜ ò¨îÚðð ¸ððÃðð èø. ýçðçð÷ èð÷Ðð÷ ãððâð÷ âððØð/èðòÐð ¨îð÷ âððØð ¦ãðüèðòÐð ®ððÃð÷ Ùð÷ü äððòÙðâð ò¨îÚðð ¸ððÃðð èø.Outstanding Forward Exchange Contracts which are not intended for trading or speculation are revaluedat closing FEDAI rates. Other outstanding Forward Exchange Contracts are revalued at rates of exchangenotified by FEDAI for specified maturities or at interpolated rates for in-between maturities. The resultantprofit/ losses are included in the profit and loss account.ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü ¨îó ÑðòÜÑð©ãðÃðð Ñðõãðá çðÙððòÑÃð çð÷ èð÷Ðð÷ ãððâð÷ âððØð/èðòÐðÚðð÷ü, çððÆð èó ¡ÑðòÜäðð÷òÏðÃð ÑßóòÙðÚðÙð Úðð õ¾,ÚðòÇ ¨îð÷ýá èð÷, ¨îð÷ çðÙððòÑÃð ¨îó ÃððÜó®ð ÑðÜ òèçðð×ð Ùð÷ü òâðÚðð ¸ððÃðð èø.Profit/ losses arising on premature termination of Forward Exchange Contracts, together with unamortizedpremium or discount, if any, is recognised on the date of termination.×ð¨îðÚðð ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ¡ð¨îòçÙð¨î Ç÷ÚðÃðð ¨îó ±ðÂðÐðð òãðòÐðÙðÚð ¨îó ¡Ððô×ðüòÏðÃð ÇÜð÷ü ÑðÜ ¨îó ¸ððÃðó èø¡ðøÜ ±ððÜüò¾Úðð÷ü, çãðó¨öîòÃðÚðð÷ü, Ñðöæ¿ðü¨îÐðð÷ü ¦ãðü ¡ÐÚð ÇðòÚðÃãðð÷ü ¨îó ±ðÂðÐðð Ò÷îÀðýá ¨îó ×ðüÇ ÇÜð÷ü ÑðÜ ¨îó ¸ððÃðó èø.Contingent liability in respect of outstanding forward exchange contracts is calculated at the contractedrates of exchange and in respect of guarantees, acceptances, endorsements and other obligations arecalculated at the closing FEDAI rates.87

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¿ ¨îÙðáμððÜó âððØðLEmployee Benefits¿1 ØððÜÃðóÚð ¸ðóãðÐð ×ðóÙðð òÐð±ðÙð ÎðÜð ¡ÑðÐðó çðÙðõè ±ß÷μÚðõ¾ó Úðð÷¸ðÐðð ¨÷î ¡üÃð±ðáÃð ×ðóÙððüò¨î¨î ÞÑð çð÷ òÐðÏððáòÜÃð Ç÷ÚðÃðð ¡ðøÜ ÑßäððòçðÃð¡ðÏððÜ ÑðÜ ±ß÷μÚðõ¾ó ¨÷î òâð¦ ÑßðãðÏððÐð ò¨îÚðð ¸ððÃðð èø.L1 Provision for Gratuity is made on the basis of liability actuarially determined and administered by LifeInsurance Corporation of India under its Group Gratuity Scheme.¿2 ô¾þ¾ó Ðð¨îÇó¨îÜÂð ¨îð ÑßðãðÏððÐð ãðæðá ¨÷î ¡üÃð Ùð÷ü ×ðóÙððüò¨î¨î ÙðõâÚððü¨îÐð ¡ðÏððÜ ÑðÜ ò¨îÚðð ¸ððÃðð èø.L2 Leave encashment is provided for on the basis of actuarial valuation at the year end.¿3 ¡òÏðãðòæðáÃðð âððØð :L3 Superannuation benefits:×ðøÈ¨î ¨÷î ¨ôî ¨îÙðáμððÜó ¡òÏðãðòæðáÃðð Úðð÷¸ðÐðð ¨÷î ¡üÃð±ðáÃð ¡ðÃð÷ èøüü ò¸ðçð¨îð Ñß×ðüÏð ¸ðóãðÐð ×ðóÙðð òÐð±ðÙð ¨îÜÃðð èø. ýçð Úðð÷¸ðÐðð¨÷î ¡üÃð±ðáÃð ×ðøÈ¨î ¡ÑðÐð÷ ¡üäðÇðÐð ¨÷î ÞÑð Ùð÷ü ãððòæðá¨î Ùðõâð ãð÷ÃðÐð ¨îð 10% ¡üäðÇðÐð ¨îÜÃðð èø ò¸ðçð÷ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü ÑßØððòÜÃðò¨îÚðð ¸ððÃðð èø.Certain employees of the Bank are covered under superannuation scheme administered by the LIC andthe Bank contributes 10% of the annual basic salary as its contribution and the same is charged to Profit& Loss Account.ò¸ðÐð ¨îÙðáμððòÜÚðð÷ü Ðð÷ Ñð÷üäðÐð Úðð÷¸ðÐðð ¨îð òãð¨îâÑð òÇÚðð èø £Ðð¨÷î çðü×ðüÏð Ùð÷ü ãðæðá ¨÷î ¡üÃð Ùð÷ü Ñð÷üäðÐð òÐðòÏð Ùð÷ü ¡üäðÇðÐð ¨îð÷ ×ðóÙððüò¨î¨îÙðõâÚððü¨îÐð ¨÷î ¡ðÏððÜ ÑðÜ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü ÑßØððòÜÃð ò¨îÚðð ¸ððÃðð èø.Contribution to Pension Fund based on actuarial valuation at the year-end, in respect of employees whohave opted for Pension scheme is charged to Profit & Loss account.¿4 ØðòãðæÚð òÐðòÏð Ùð÷ü ¡üäðÇðÐð ¨îð÷ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü ÑßØððòÜÃð ò¨îÚðð ¸ððÃðð èø.L4 Contribution towards Provident Fund is charged to the profit and loss account.¿5 ¨îÙðáμððÜó ç¾ðù¨î ¡ðùÑäðÐð Úðð÷¸ðÐðð (ýá¦çð¡ð÷Ñðó) ¨÷î ¡üÃð±ðáÃð ¡ðùÑäðÐðð÷ü ¨îð ¡ðüÃðòܨî ÙðõâÚð ýá¦çð¡ð÷Ñðó ¨îó òÐðòèÃð ¡ãðòÏð Ùð÷ü çðóÏðóÜ÷®ðð ÑðÊòÃð ¨÷î ¡ðÏððÜ ÑðÜ ãÚðÚð ÙððÐðð ¸ððÃðð èø.L5 The intrinsic value of options under Employee Stock Option Plan (ESOP) is expensed on a straight-linebasis over the vesting period of the ESOP.ÀMçãðøòμ¨î çð÷ãððòÐðãðöòÄð Úðð÷¸ðÐððVoluntary Retirement Schemeçãðøòμ¨î çð÷ãððòÐðãðöòÄð Úðð÷¸ðÐðð ¨÷î ¡üÃð±ðáÃð ±ß÷μÚðõ¾ó ¦ãðü Ñð÷üäðÐð ¨÷î çðü×ðüÏð Ùð÷ü ¡Ððô±ßè Üðòäð ÃðÆðð ¡òÃðòÜ©Ãð ¡üäðÇðÐð ¨÷î òâð¦ ò¨îÚð÷±ðÚð÷ ãÚðÚð ¨îð÷ òܺðãðá ×ðøÈ¨î ¨÷î òÇäðð-òÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôçððÜ 5 ãðæðá ¨îó ¡ãðòÏð Ùð÷ü ÑðòÜäðð÷òÏðÃð ò¨îÚðð ¸ððÃðð èø.Expenditure towards ex-gratia and additional contribution in respect of gratuity and pensions under VoluntaryRetirement Scheme (VRS) is amortized over a period of five years in terms of RBI guidelines.ÁN¡ðÚð ¨îÜIncome TaxÁ1N1¨îÜ ãÚðÚð Ùð÷ü μððâðõ, ¡ðçÆðò±ðÃð ¦ãðü òÔüî¸ð ×ð÷òÐðòÒî¾ ¨îÜ äððòÙðâð èøÈ.Tax expense comprises of current, deferred and fringe benefit tax.88

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)Á2N2Á3N3Á4N4Á5N5ÐÚðõÐðÃðÙð ãðø¨îòâÑð¨î ¨îÜ (Ùðø¾) ª÷îòÀ¾ ¨îð÷ ¨÷îãðâð ÃðØðó ¦¨î ¡ðòçÃð ¨÷î ÞÑð Ùð÷ü £çð çðóÙðð Ãð¨î ÙððÐðð ¸ððÃðð èø ¸ð×ð ýçð ×ððÃð ¨îðÑðÚððáÑÃð çððêÚð èð÷ ò¨î ×ðøȨî òãðòÐðáòÇæ¾ ¡ãðòÏð ¨÷î ÇðøÜðÐð çððÙððÐÚð ¡ðÚð¨îÜ ¨îð Øðô±ðÃððÐð ¨îÜ÷±ðð.Minimum Alternate Tax (MAT) credit is recognized as an asset only when and to the extent there isconvincing evidence that the Bank will pay normal income tax during the specified period.ãðæðá ¨÷î ×ðèó ¡ðøÜ ¨îÜ âððØðð÷ü ¨÷î ×ðóμð çðÙðÚð ¡üÃðÜðâðð÷ü è÷Ãðô ¡ðçÆðò±ðÃð ¨îÜ ¨îð÷ £Ðð ¨îÜ ÇÜð÷ü ¦ãðü ¨îðÐðõÐðð÷ü ¨îð ÑßÚðð÷±ð ¨îÜÃð÷ èô¦òèçðð×ð Ùð÷ü òâðÚðð ¸ððÃðð èø ¸ðð÷ ÃðôâðÐð-Ñðëð ¨îó ÃððÜó®ð ¨îð÷ ÃððòÃãð¨î ÞÑð çð÷ ¡òÏðòÐðÚðòÙðÃð ò¨îÚð÷ ±ðÚð÷ èð÷ü. çðÙðÚð ¡üÃðÜðâðð÷ü çð÷£ÃÑðÐÐð èð÷Ðð÷ãððâðó ¡ðçÆðò±ðÃð ¨îÜ ¡ðòçÃðÚðð÷ü ¨îð÷ £çð çðóÙðð Ãð¨î òèçðð×ð Ùð÷ü òâðÚðð ¸ððÃðð èø ò¸ðÃðÐðó £òμðÃð òÐðòäμðÃðÃðð èð÷ ò¨îýÐð¨îó ØðòãðæÚð Ùð÷ü ãðçðõâðó èð÷ ¸ðð¦±ðó.Deferred tax for timing differences between the book and tax profits for the year is accounted for, usingthe tax rates and laws that have been substantively enacted as of the balance sheet date. Deferred taxassets arising from timing differences are recognized to the extent there is reasonable certainty thatthese would be realized in future.¡Ððãðäðð÷òæðÃð èðòÐðÚðð÷ü ¨÷î ÙððÙðâð÷ Ùð÷ü ¡ðçÆðò±ðÃð ¨îÜ ¡ðòçÃðÚððü ÃðØðó ÙððÐðó ¸ððÃðó èøü ¸ð×ð Úðè ãððçÃðòãð¨î ÞÑð çð÷ çðôòÐðòäμðÃð èð÷ò¨î ¦÷çðó ¡ðçÆðò±ðÃð ¨îÜ ¡ðòçÃð Øððãðó ¨îÜ Úðð÷±Úð âððØðð÷ü Ùð÷ü çð÷ ãðçðõâð ¨îó ¸ðð çð¨îÃðó èøü.Deferred tax assets in case of unabsorbed losses are recognized only if there is virtual certainty that suchdeferred tax asset can be realized against future taxable profits.ò¸ðÐð òãðãððòÇÃð ¨îÜð÷ü ¨÷î òâð¦ ÑßðãðÏððÐð ÐðèóÈ ò¨îÚðð ¸ððÃðð èø, £Ðè÷ü ``¡ð¨îòçÙð¨î Ç÷ÚðÃðð¡ð÷ü'' ¨÷î ¡üÃð±ðáÃð äððòÙðâð ò¨îÚðð ¸ððÃðð èø.Disputed taxes not provided for, are included under “Contingent Liabilities”.ÂðOÑßòÃð äð÷ÚðÜ ¡ðÚðEarnings Per ShareÂð1 ×ðøȨî âð÷®ððü¨îÐð ÙððÐð¨î 20 ¨÷î ¡ÐðôçððÜ Ùðõâð ¦ãðü ÐÚðõÐðó¨öîÃð ÑßòÃð äð÷ÚðÜ ¡ðÚð ¨îó çðõμðÐðð Ç÷Ãðð èø. ÑßòÃð äð÷ÚðÜ Ùðõâð ¡ðÚð ¨îó ±ðÂðÐðð ¨îÜÑðäμððÃðþ òÐðãðâð âððØð ¨îð÷ £çð ¡ãðòÏð Ùð÷ü ×ð¨îðÚðð ýò©ãð¾ó äð÷ÚðÜð÷ü ¨îó ØððòÜÃð ¡ðøçðÃð çðü®Úðð çð÷ Øðð±ð Ç÷¨îÜ ¨îó ¸ððÃðó èø.O1 The Bank reports basic and diluted Earnings Per Share in accordance with AS 20. Basic Earnings Per Shareis computed by dividing the net profit after tax by the weighted average number of equity shares outstandingfor the period.Âð2 ÑßòÃð äð÷ÚðÜ ÐÚðõÐðó¨öîÃð ¡ðÚð £çð çðüØððòãðÃð ÐÚðõÐðó¨îÜÂð ¨îð÷ ÇäððáÃðó èø ¸ðð÷ £çð ¡ãðòÏð ¨÷î ÇðøÜðÐð ÑßòÃðØðõòÃðÚðð÷ü Úðð ýò©ãð¾ó äð÷ÚðܸððÜó ¨îÜÐð÷ ¨îó ¡ÐÚð çðüòãðÇð¡ð÷ü ¨îð £ÑðÚðð÷±ð Úðð ÑðòÜãðÃðáÐð ¨îÜÐð÷ ÑðÜ èð÷ çð¨îÃðð èø. ÑßòÃð äð÷ÚðÜ ÐÚðõÐðó¨öîÃð ¡ðÚð ¨îó ±ðÂðÐðð ¨îÜÑðäμððÃðþ òÐðãðâð âððØð ¨îð÷ ýò©ãð¾ó äð÷ÚðÜð÷ü ¨îó ØððòÜÃð ¡ðøçðÃð çðü®Úðð ¡ðøÜ £çð ¡ãðòÏð ¨÷î ÇðøÜðÐð ×ð¨îðÚðð ÐÚðõÐðó¨öîÃð çðüØððãÚð ýò©ãð¾óäð÷ÚðÜð÷ü ¨îó çðü®Úðð çð÷ Øðð±ð Ç÷¨îÜ ¨îó ¸ððÃðó èø.O2 Diluted Earnings Per Share reflect the potential dilution that could occur if securities or other contractsto issue equity shares were exercised or converted during the period. Diluted Earnings Per Share iscomputed by dividing the net profit after tax by the sum of the weighted average number of equity sharesand dilutive potential equity shares outstanding during the period.ÃðP¡ðòçÃðÚðð÷ü ¨îð êðòÃð¨îÜÂðImpairment of AssetsÚðòÇ ò¨îÐèóÈ ¡ðüÃðòܨî/×ððéÚð ¨îðܨîð÷ü ¨÷î ¡ðÏððÜ ÑðÜ êðòÃð¨îÜÂð ¨îð ¨îð÷ýá çðü¨÷îÃð èð÷ Ãðð÷ ÑßÃÚð÷¨î ÃðôâðÐð-Ñðëð ¨îó ÃððÜó®ð ¨îð÷ ¡ðòçÃðÚðð÷ü¨îó Ü®ððãð ÜðòäðÚðð÷ü ¨îó çðÙðóêðð ¨îó ¸ððÃðó èø. ò¨îçðó ¡ðòçÃð ¨îð÷ Ãð×ð êðòÃð±ßçÃð ÙððÐðð ¸ððÃðð èø ¸ð×ð ¡ðòçÃðÚðð÷ü ¨îó Ü®ððãð âðð±ðÃð£Ðð¨÷î ãðçðõâðóÚðð÷±Úð ÙðõâÚð çð÷ ¡òÏð¨î èð÷ ¸ððÃðó èø. êðòÃð¨îÜÂð ¨îó èðòÐð, ÚðòÇ ¨îð÷ýá èð÷, ¨îð÷ £çð ãðæðá ¨÷î âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷üÑßØððòÜÃð ò¨îÚðð ¸ððÃðð èø ò¸ðçðÙð÷ü ¡ðòçÃð ¨îó êðòÃð±ßçÃðÃðð ¨îð÷ ¡òØðìððòÑðÃð ò¨îÚðð ±ðÚðð èø. òÑðâð÷ ãðæðð÷áÈ Ùð÷ü ÙððÐðó ±ðÚðó êðòÃð¨îÜÂð89

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)èðòÐðÚðð÷ü ¨îó £âð¾ Ñßòãðòæ¾ Ãð×ð Ǹðá ¨îó ¸ððÃðó èø ¸ð×ð ýçð ×ððÃð ¨îð çðü¨÷îÃð òÙðâð÷ ò¨î êðòÃð¨îÜÂð èðòÐðÚððü ¡×ð ÐðèóÈ Üèó èøü ÚððýÐðÙð÷ü ¨îÙðó ¡ð ±ðÚðó èø.The carrying amounts of assets are reviewed at each Balance Sheet date if there is any indication of impairmentbased on internal/external factors. An asset is treated as impaired when the carrying cost of assets exceeds itsrecoverable value. An impairment loss, if any, is charged to Profit and Loss Account in the year in which anasset is identified as impaired. Reversal of impairment losses recognized in prior years is recorded when thereis an indication that the impairment losses no longer exist or have decreased.ÆðQÑßðãðÏððÐð, ¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦ü ¦ãðü ¡ð¨îòçÙð¨î ¡ðòçÃðÚððüProvisions, Contingent Liabilities and Contingent AssetsÆð1 ¨îð÷ýá ÑßðãðÏððÐð Ãð×ð ò¨îÚðð ¸ððÃðð èø ¸ð×ð ò¨îçðó òÑðâð÷ çðüãÚðãðèðÜ ¨÷î ÑðòÜÂððÙðçãðÞÑð ¨îð÷ýá ãðÃðáÙððÐð Ç÷ÚðÃðð ×ðÐðÃðó èð÷ ¡ðøÜ ýçð×ððÃð ¨îó çðüØððãðÐðð èð÷ ò¨î £©Ãð Ç÷ÚðÃðð ¨÷î òÐðÑð¾ðÐð ¨÷î òâ𦠨ôî ÜðòäðÚðð÷ü ¨÷î ×ðòèãððáè ¨îó ¡ðãðäÚð¨îÃðð èð÷±ðó ò¸ðçð¨÷î òâð¦òãðäãðçðÐðóÚð ¡ÐðôÙððÐð âð±ððÚðð ¸ðð çð¨îÃðð èø.Q1 A provision is recognised when there is a present obligation as a result of past event and it is probablethat an outflow of resources will be required to settle the obligation, in respect of which a reliableestimate can be made.Æð2 ÑßðãðÏððÐðð÷ü ¨îð÷ £Ðð¨÷î ãðÃðáÙððÐð ÙðõâÚð ÑðÜ ×ð¾þ¾ð¨öîÃð ÐðèóÈ ò¨îÚðð ¸ððÃðð èø ¡ðøÜ £Ðð¨îð òÐðÏððáÜÂð ÃðôâðÐð-Ñðëð ¨îó ÃððÜó®ð ¨îð÷ Ç÷ÚðÃðð¨÷î òÐðÑð¾ðÐð ¨÷î òâ𦠡Ñð÷òêðÃð çðãðð÷áÄðÙð ¡ÐðôÙððÐð ¨÷î ¡ðÏððÜ ÑðÜ ò¨îÚðð ¸ððÃðð èø.Q2 Provisions are not discounted to its present value and are determined based on best estimate required tosettle the obligation at the balance sheet date.Æð3 ò¨îçðó ÑßðãðÏððÐð ¨÷î òÐðÑð¾ðÐð ¨÷î òâ𦠡Ñð÷òêðÃð ãÚðÚð ¨÷î çðü×ðüÏð Ùð÷ü çðüØððòãðÃð ÑßòÃðÑðõòÃðá ¨îð òÐðÏððáÜÂð ÃðØðó ò¨îÚðð ¸ððÃðð èø ¸ð×ð ÚðèãððçÃðòãð¨î ÞÑð çð÷ çðôòÐðòäμðÃð èð÷ ò¨î ýçð¨îó ÑßòÃðÑðõòÃðá ÑßðÑÃð èð÷ ¸ðð¦±ðó.Q3 Reimbursement expected in respect of expenditure required to settle a provision is recognised onlywhen it is virtually certain that the reimbursement will be received.Æð4 ¡ð¨îòçÙð¨î Ç÷ÚðÃðð¡ð÷ü ¨îð Ñߨî¾ó¨îÜÂð ò¾ÑÑðòÂðÚðð÷ü ¨÷î ÎðÜð ò¨îÚðð ¸ððÃðð èø.Q4 Contingent Liabilities are disclosed by way of notes.Æð5 ×ðøȨî ÎðÜð ¸ðóÃð÷ ±ðÚð÷ ÙððÙðâðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü òãðØðð±ðóÚð ¡Ñðóâðð÷ü ¨îð÷ Øðó ¡ð¨îòçÙð¨î Ç÷ÚðÃðð¡ð÷ü ¨÷î ÞÑð Ùð÷ü ÙððÐðð ¸ððÃðð èø.Q5 Department appeals in respect of cases won by the Bank are also considered as Contingent Liabilities.Æð6 ¡ð¨îòçÙð¨î ¡ðòçÃðÚðð÷ü ¨îð÷ òèçðð×ð Ùð÷ü ÐðèóÈ òâðÚðð ¸ððÃðð èø.Q6 Contingent Assets are not recognised.90

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¡Ððôçðõμðó 18: âð÷®ðð÷ü ¨÷î Øðð±ð ¨÷î ÞÑð Ùð÷ü ò¾ÑÑðòÂðÚððüSCHEDULE 18: NOTES FORMING PART OF THE ACCOUNTS1. òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð. ¨îð çðÙððÙð÷âðÐðAMALGAMATION OF THE UNITED WESTERN BANK LTD.¨î. ×ðøȨî¨îðÜó òãðòÐðÚðÙðÐð ¡òÏðòÐðÚðÙð, 1949 ¨îó ÏððÜð 45(7) ¨÷î ¡üÃð±ðáÃð ¡òÏð¨îðÜð÷ü ¨îð ÑßÚðð÷±ð ¨îÜÃð÷ èô¦ ØððÜÃð çðܨîðÜî Ðð÷ Çð÷Ððð÷ü×ðøÈò¨üî±ð ¨üîÑðòÐðÚðð÷ü, ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâð.(¡üÃðòÜÃðó ×ðøȨî) ¨÷î çððÆð òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð.(¡üÃðÜÂð¨îÃððá ×ðøȨî) ¨÷î çðÙððÙð÷âðÐð ¨îó Úðð÷¸ðÐðð (Úðð÷¸ðÐðð) ¨îð÷ Ùðü¸ðõÜó ÑßÇðÐð ¨îó èø ¡ðøÜ 3 ¡©Ãðõ×ðÜ 2006 ¨îð÷ òÐðÚðÃð ÃððÜó®ð ¨÷îÞÑð Ùð÷ü òÐðòÇáæ¾ ò¨îÚðð èø ¸ðð÷ âð÷®ððü¨îÐð ¨÷î £É÷äÚð çð÷ çðÙððÙð÷âðÐð ¨îó ÑßØððãðó ÃððÜó®ð èø.a. In exercise of powers under Section 45(7) of the Banking Regulation Act, 1949, Government of India(GOI) has sanctioned the Scheme of Amalgamation (the “Scheme”) of The United Western Bank Ltd.,(the “Transferor Bank”), with the Industrial Development Bank of India Ltd. (the “Transferee Bank”),both banking companies, and specified October 3, 2006 as the prescribed date, which is the effective dateof amalgamation for accounting purposes.®ð. çðÐðÇó âð÷®ðð¨îðÜð÷ü ¨îó çãðÃðüëð ÒîÙðá ÎðÜð ÑßÙððòÂðÃð ¨îÜÐð÷ ¡ðøÜ Ððóμð÷ ÑðøÜð±ßðÒî 1 ´ Ùð÷ü ãðòÂðáÃð çðÙððÚðð÷¸ðÐðð÷ü ¨îð÷ ÑßØððãðó ¨îÜÐð÷ ¨÷î×ððÇ Úðð÷¸ðÐðð ¨îó äðÃðð÷áÈ ¨÷î ¡ÐðôçððÜ òÐðÚðÃð ÃððÜó®ð çð÷ ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨î÷ çðÙðçÃð ¨îðÜð÷×ððÜ, ¡ðòçÃðÚðð÷ü ¦ãðü Ç÷ÚðÃðð¡ð÷ü ¨îð÷¡üÃðòÜÃðó ×ðøÈ¨î ¨îð÷ òÐðÙÐðòâðò®ðÃð ÙðõâÚðð÷ü ÑðÜ ¡üÃðòÜÃð ò¨îÚðð ±ðÚðð èø :b. In terms of the Scheme all business, assets and liabilities of the Transferor Bank have been transferred tothe Transferee Bank with effect from the prescribed date at the following values, as certified by anindependent firm of Chartered Accountants, and after giving effect to the adjustments described in paragraph1.e hereunder:Ç÷ÚðÃðð¦ü è¸ððÜ ÝÑðÚð÷ ¡ðòçÃðÚððü è¸ððÜ ÝÑðÚð÷Liabilities Rs. ’000Assets Rs. ’000¸ðÙððÜðòäðÚððü / Deposits 5625,61,96 Ðð¨îÇó ¡ðøÜ òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æðCash & Balances with RBI 526,34,70£ÏððÜ ÜðòäðÚððü / Borrowings 26,08,63 ×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð ¡ðøÜÙððü±ð ¦ãðü ¡âÑð çðõμðÐððÑðÜ ÑßòÃðÇ÷Úð ÜðòäðBalances with Banks& Money at call& short notice 187,53,36¡ÐÚð Ç÷ÚðÃðð¦ü ¦ãðü ÑßðãðÏððÐðòÐðãð÷äðOther Liabilities & Provisions 603,11,48 Investments 1838,72,94¡ò±ßÙð (ÑßðãðÏððÐðð÷ü ¨îð÷ ³ð¾ð¨îÜ)Advances (net of provisions) 2988,03,30¡μðâð ¡ðòçÃðÚððü / Fixed Assets 99,05,75¡ÐÚð ¡ðòçÃðÚððü / Other Assets 125,42,17¨ôîâð / Total 6254,82,07 ¨ôîâð / Total 5765,12,22¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦ü / Contingent Liabilities 753,30,53ãðçðõâðó ¨÷î òâð¦ ò×ðâð / Bills for collection 331,51,80¡òçÃðÚðð÷ü ÑðÜ Ç÷ÚðÃðð¡ð÷ü ¨îð ¡ðòÏð©ÚðExcess of liabilities over assets 489,69,8591

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)±ð. âð÷®ððü¨îÐð ÙððÐð¨î 14 `çðÙððÙð÷âðÐð ¨÷î òâð¦ âð÷®ððü¨îÐð' Ùð÷ü òãðòÐðòÇáæ¾ ªîÚð ÑðÊòÃð ¨÷î ¡ðÏððÜ ÑðÜ çðÙððÙð÷âðÐð ¨îð÷ âð÷®ððüò¨îÃð ò¨îÚðð¸ððÃðð èø.c. The amalgamation is accounted on the basis of Purchase Method specified in AS 14 ‘Accounting forAmalgamation’.³ð. Úðð÷¸ðÐðð ¨÷î ¡ÐðôçððÜ ¡üÃðòÜÃðó ×ðøȨî Ðð÷ òÐðÚðÃð ÃððÜó®ð ¨îð÷ ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨÷î Ñðü¸ðó¨öîÃð äð÷ÚðÜÏððܨîð÷ü ¨îð÷ £Ðð¨÷î ¦÷çð÷ äð÷ÚðÜð÷üÙð÷ü òèÃð ¨÷î 150,55,00 è¸ððÜ ÝÑðÚð÷ ¨÷î £Ðð¨÷î Çðãð÷ ¨÷î ¡ðüòäð¨î Øðô±ðÃððÐð çãðÞÑð ÑßÃÚð÷¨î ÑðõÂðáÃð: ÑßÇÄð äð÷ÚðÜ ¨÷î òâð¦ 28 ÝÑðÚð÷(¡¾þ¿ðýçð ÝÑðÚð÷ ) ¨îð Øðô±ðÃððÐð ò¨îÚðð ±ðÚðð.d. As per the Scheme, the Transferee Bank made a payment of Rs.28 (Rupees Twenty Eight) in respectof every fully paid–up share to the registered shareholders of the Transferor Bank on the prescribeddate, in partial satisfaction of their claim amounting to Rs.150,55,00 Thousand towards their interestin such shares.´. Úðð÷¸ðÐðð Ùð÷ü ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨÷î ¡ò±ßÙðð÷ü ¨îð÷ ``äðð÷ÏÚð ¦ãðü Ãðèîðâð ãðçðõâðó Úðð÷±Úð ÙððÐð÷ ±ðÚð÷ ¡ò±ßÙð'' ¡ðøÜ ``Ãðèîðâð Ðð ãðçðõâðóÚðð÷±Úð ¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚð Úðð çðüòDZÏð ÙððÐð÷ ±ðÚð÷ ¡ò±ßÙð'' ÐððÙð¨î Çð÷ å÷òÂðÚðð÷ü Ùð÷ü ãð±ðóá¨öîÃð ¨îÜÐð÷ ¨îð ÑßðãðÏððÐðèø. çðÐðÇó âð÷®ðð¨îðÜð÷ü ¨îó çãðÃðüëð ÒîÙðá ¨îó òÜÑðð÷¾á ¨÷î ¡ðÏððÜ ÑðÜ ``Ãðèîðâð Ðð ãðçðõâðó Úðð÷±Úð ¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚðÚðð çðüòDZÏð ÙððÐð÷ ±ð¦'' ¡ò±ßÙðð÷ü ¨÷î ÑßòÃð 364,00,00 è¸ððÜ ÝÑðÚð÷ ¨îð ÑßðãðÏððÐð ò¨îÚðð ±ðÚðð èø. ×ðøȨî ``Ãðèîðâð Ðð ãðçðõâðó Úðð÷±Úð¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚð Úðð çðüòDZÏð ¡ò±ßÙðð÷ü ¨÷î ÑßòÃð ¡üòÃðÙð ãðçðõâðó'' ¨îð òÐðÏððáÜÂð ¨îÜÐð÷ ¨÷î òâð¦ ìððÑðÐð òܨîðÀáÜ®ð Üèð èø. ``Ãðèîðâð Ðð ãðçðõâðó Úðð÷±Úð ¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚð Úðð çðüòDZÏð ¡ò±ßÙðð÷ü çð÷ èð÷Ðð÷ ãððâðó ¡üòÃðÙð ãðçðõâðó''£Ðð¨÷î ¡òÏð±ßèÂð ÙðõâÚð çð÷ ¡òÏð¨î èð÷Ðð÷ ¨îó òçÆðòÃð Ùð÷ü ÃðÆðð Úðð÷¸ðÐðð Ùð÷ü òÐðòÇáæ¾ ÙðÇð÷ü ¨÷î ÑßØððãð ÑðÜ òãðμððÜ ¨îÜÐð÷ ¨÷î ×ððÇ ¡ðòÏð©ÚðÜðòäð Úðð÷¸ðÐðð Ùð÷ü òǦ ±ð¦ ¡ÐðôçððÜ ×ððÜè ãðæðá ¨îó ¡ãðòÏð ¨÷î ×ððÇ Úðð £çðçð÷ Ñðèâð÷ ×ðøÈ¨î ¨÷î ÑðõãðáãðÃðóá äð÷ÚðÜÏððܨîð÷ü Ùð÷ü òãðÃðòÜÃð¨îó ¸ðð¦±ðó.e. The Scheme provides for classification of the Transferor Bank’s advances into two categories namely,“Advances considered good and readily realizable” and “Advances considered not readily realizable and/or bad or doubtful of recovery”. Provision of Rs.364,00,00 Thousand has been made against advancesthat have been “considered not readily realizable and/or bad or doubtful of recovery”, based on thereport of an independent firm of Chartered Accountants. Bank is maintaining memorandum records forascertaining the ultimate realization against the “Advances considered not readily realizable and/or bador doubtful of recovery”. In the event of ultimate realization from the “Advances considered not readilyrealizable and/or bad or doubtful of recovery” being in excess of the value at which they are taken overand after considering the effect of items specified in the Scheme, the surplus will be distributed to theerstwhile shareholders of the Transferor Bank after a period of twelve years or earlier, as prescribedunder the Scheme.μð. òܺðãðá ×ðøÈ¨î ¨÷î ¡ÐðôÙðð÷ÇÐð ¨÷î £ÑðÜðüÃð ¡ðòçÃðÚðð÷ü ÑðÜ Ç÷ÚðÃðð¡ð÷ü ¨÷î ¨ôîâð ¡ðòÏð©Úð (489, 69,85 è¸ððÜ ÝÑðÚð÷ ) ¡ðøÜ ¡ÑðÔüî¾ ÑßòÃðÒîâð(150,55,00 è¸ððÜ ÝÑðÚð÷) ¨ôîâð òÙðâðð¨îÜ 640,24,85 è¸ððÜ ÝÑðÚð÷ ¨îð÷ òÇÐðüð¨î 3 ¡©Ãðõ×ðÜ 2006 ¨îð÷ ¡üÃðòÜÃðó ×ðø¨î ¨÷î çððÙððÐÚðòܺðãðá Ùð÷ü £Ñðâð×Ïð äð÷æðÜðòäð çð÷ çðÙððÚðð÷ò¸ðÃð ò¨îÚðð ±ðÚðð èø.f. Pursuant to approval of the RBI, the aggregate of the excess of liabilities over assets (Rs.489,69,85 Thousand)and upfront consideration (Rs.150,55,00 Thousand) aggregating to Rs.640,24,85 Thousand has been adjustedagainst the balance available in General Reserve of the Transferee Bank as on October 3, 2006.. μððâðõ ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü Ùð÷ü ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨÷î ¡ðü¨îÀÿ÷ Øðó äððòÙðâð èøÈ ¡ðøÜ ýçðòâð¦ òÑðâð÷ ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü çð÷ ÑðõÜó ÃðÜèçð÷ ÃðôâðÐðóÚð ÐðèóÈ èøÈ.g. Figures of the current year include those relating to the Transferor Bank and hence are strictly notcomparable with the figures of the previous year.92

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¡çÆððÚðó ÑßðãðÏððÐð ¨îð £ÑðÚðð÷±ð / UTILISATION OF FLOATING PROVISION2. 1 ¡©Ãðõ×ðÜ 2004 çð÷ Ñðèâð÷ òÐðòÙðáÃð ¡ðòçÃðÚðð÷ü ¨÷î ÙðõâÚð Ùð÷ü ò¨îçðó çðüØððòãðÃð ò±ðÜðãð¾ ¨÷î òâð¦ ÑßðãðÏððÐð ¨îÜÐð÷ è÷Ãðô 31 Ùððμðá 2005 ¨îð÷2029,31,00 è¸ððÜ ÝÑðÚð÷ ¨îó Üðòäð ¡çÆððÚðó ÑßðãðÏððÐð ¨÷î ÞÑð Ùð÷ü £Ñðâð×Ïð Æðó. òÑðâð÷ ãðæðá 2005-06 ¨÷î ÇðøÜðÐð òܺðãðá ×ðøÈ¨î ¨îó çðèÙðòÃðçð÷ òãðòäðæ¾ ÑßðãðÏððÐð ¨îÜÐð÷ / ×ð¾þ¾÷ ®ððÃð÷ ÀðâðÐð÷ ¡ðøÜ ¨îòÃðÑðÚð ¡ðòçÃðÚðð÷ü çð÷ ãðçðõâð Ðð ¨îó ±ðýá ¡ðÚð ¨îð÷ òÜãðçðá ¨îÜÐð÷ è÷Ãðô ¡çÆððÚðóÑßðãðÏððÐð ¨îð ÑðõÂðáÃð: £ÑðÚðð÷±ð ò¨îÚðð ±ðÚðð.As on March 31, 2005, a sum of Rs.2029,31,00 Thousand was available as floating provision for provisioningtowards any possible decline in value of the assets created prior to October 1, 2004. With the concurrence ofRBI, during the previous year 2005-06, the floating provision was fully utilized for making specific provisions/write-offs and reversal of unrealized income for certain assets.ÑðòÜçðÜ / PREMISES3. ÑðòÜçðÜ Ùð÷ü âðó¸«ð ÑðÜ âðó ±ðýá ØðõòÙð (ÑðôÐðÙðõáâÚðÐð¨öîÃð) ¨÷î 1339,59,76 è¸ððÜ ÝÑðÚð÷ (128,42,99 è¸ððÜ ÝÑðÚð÷) äððòÙðâð èøÈ.Premises include Leasehold Land (revalued) of Rs.1339,59,76 Thousand (Rs.128,42,99 Thousand).4. ãðæðá ¨÷î ÇðøÜðÐð ×ðøȨî Ðð÷ ¡ÑðÐðó çðüÑðòÄðÚðð÷ü ò¸ðÐðÙð÷ü Ôîó-èð÷âÀ ØðõòÙð ¡ðøÜ ¡ðãððçðóÚð /¨îðÚððáâðÚð ØðãðÐð äððòÙðâð èøÈ, ¨îð ÑðôÐðÙðõáâÚðÐð ò¨îÚððèø ¡ðøÜ 31 Ùððμðá 2007 ¨îð÷ ýçð¨îð âð÷®ððü¨îÐð ãÚððãðçððòÚð¨î ÞÑð çð÷ òÐðÑðôÂð çãðÃðüëð ÑðôÐðÙðáõâÚðÐð¨îÃððá¡ð÷ü ÎðÜð ò¨î¦ ±ð¦ ÙðõâÚðÐð ¨÷î ¡ðÏððÜÑðÜ ×ðð¸ððÜ ÙðõâÚð ÑðÜ ò¨îÚðð ±ðÚðð èø. ÑðôÐðÙðõáâÚðÐð ¨÷î ¨îðÜÂð òÐðãðâð ÙðõâÚð ãðöòÊ 2063 91 00 è¸ððÜ ÝÑðÚð÷ èôýá èüø ¸ðð÷ 31 Ùððμðá 2007¨îð÷ 529 02 00 è¸ððÜ ÝÑðÚð÷ ¨÷î òÐðãðâð ×ðèó ÙðõâÚð ¡ðøÜ 2592 9300 è¸ððÜ ÝÑðÚð÷ ¨îó ÑðôÐðÙðõáâÚðÐð¨öîÃð Üðòäð ¨îð ¡üÃðÜ èø, ýçð÷ ÑðôÐðÙðõáâÚðÐðòܺðãðá Ùð÷ü ¸ðÙðð ¨îÜ òÇÚðð ±ðÚðð èø.During the year, the Bank has revalued its properties comprising Freehold Land & Residential/ Office buildingand accounted it on March 31, 2007, based on valuations made by professionally qualified independent Valuersat market value. The net appreciation of Rs.2063 91 00 Thousand arising on revaluation, being the differencebetween the net book value of Rs.529 02 00 Thousand and revalued amount of Rs.2592 93 00 Thousand as onMarch 31, 2007, has been credited to Revaluation Reserve.¡ðòçÃðÚðð÷ü ¨îð êðòÃð¨îÜÂð / IMPAIRMENT OF ASSETS5. ×ðøÈ¨î ¨îó ¡ðòçÃðÚðð÷ü Ùð÷ü Ùðô®ÚðÃð: òãðÄðóÚð ¡ðòçÃðÚððü äððòÙðâð èøÈ ¸ðð÷ âð÷®ððü¨îÐð ÙððÐð¨î 28 ``¡ðòçÃðÚðð÷ü ¨îð êðòÃð¨îÜÂð'' ¨÷î ¡üÃð±ðáÃð äððòÙðâðÐðèóÈ èøü. ×ðøȨî Ñß×ðüÏðÐð ¨îó ÜðÚð Ùð÷ü £©Ãð âð÷®ððü¨îÐð ÙððÐð¨î ¨÷î ¡ÐðôçððÜ ×ðøÈ¨î ¨îó ±ðøÜ -òãðÄðóÚð ¡ðòçÃðÚðð÷ü ¨÷î ÙðõâÚð Ùð÷ü ¨îð÷÷ýá êðòÃð ÐðèóÈèôýá èø.The Bank’s assets substantially comprise of financial assets, which are not covered by AS 28 ‘Impairment ofAssets’. In the opinion of the Bank’s management, there is no impairment in the value of its non–financial assetsin terms of the said AS.¡ÐÚð / OTHERS6. ×ðøȨîð÷ü /çðüçÆðð¡ð÷ü çð÷ ¨îòÃðÑðÚð £ÏððÜ ÜðòäðÚðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ×ðøÈ¨î ¨îð÷ ØððÜÃð çðܨîðÜ çð÷ òãðØð÷Ǩî ×Úðð¸ð ¨÷î ÞÑð Ùð÷ü ÑßòÃðÑðõòÃðá òÙðâðÃðó èø.ãðæðá ¨÷î òâð¦ òãðØð÷Ǩî ×Úðð¸ð ¨îó ÑßòÃðÑðõòÃðá ¨÷î ÞÑð Ùð÷ü 247,43,51 è¸ððÜ ÝÑðÚð÷ (399, 97, 57 è¸ððÜ ÝÑðÚð÷) ¸ðÙðð ¨îÜÐð÷ ¨÷î ×ððÇ ×Úðð¸ðãÚðÚð ¨îð÷ âððØð ¦ãðü èðòÐð ®ððÃð÷ Ùð÷ü ÐððÙð÷ ò¨îÚðð ±ðÚðð èø.The Bank gets reimbursement towards differential interest from GOI in respect of certain borrowings fromBanks/ Institutions. The interest expenditure debited to Profit & Loss Account is after considering credit ofRs.247,43,51 Thousand (Rs.399,97,57 Thousand) on account of reimbursement towards differential interestfor the year.7. ãðæðá ¨÷î ÇðøÜðÐð ``¡ÑðÐð÷ ±ßðè¨î ¨îð÷ ¸ððòÐðÚð÷ (¨÷îãððýáçðó)'' ¡ðøÜ ¡ðýáÑðó¡ð÷ òãðÄðÑðð÷æðÂð çðü×ðüÏðó ÙððÐðÇüÀð÷ü ¨îð ¡ÐðôçðÜÂð ÐðèóÈ ¨îÜÐð÷ ¨÷î òâð¦ØððÜÃðóÚð òܺðãðá ×ðøȨî (òܺðãðá ×ðøȨî) ÎðÜð 500 è¸ððÜ ÝÑðÚð÷ (500 è¸ððÜ ÝÑðÚð÷) ¨îð ¸ðôÙððáÐðð âð±ððÚðð ±ðÚðð.93

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)A penalty of Rs.500 Thousand (Rs.500 Thousand) was levied by Reserve Bank of India (RBI) for not adheringto norms relating to Know Your Customer (KYC) and IPO Financing.8. Üð¸Úð òãðÄðóÚð òÐð±ðÙðð÷ü (¦çð¦Òîçðó) ¨÷î äð÷ÚðÜ ò¨îçðó çðüçÆðð ¨îð÷ ¡üÃðòÜÃð ¨îÜÐð÷ ¨÷î ÙðõâÚð ¨÷î çðü×ðüÏð Ùð÷ü £ÑðÚðô©Ãð ÑßðòÏð¨îðÜó ÎðÜð òÐðÂðáÚð¨÷î âðüò×ðÃð èð÷Ðð÷ ¨÷î ÒîâðçãðÞÑð òܺðãðá ×ðø¨î ¨÷î ¡ÐðôÙðð÷ÇÐð çð÷ ×ðøÈ¨î ¦çð¦Òîçðó Ùð÷ü ¡ÑðÐð÷ òÐðãð÷äð ¨îð÷ ¡üò¨îÃð ÙðõâÚð ÑðÜ ÑßòÃðÏððòÜÃð ¨îÜÜèð èø ¡ðøÜ ÙðõâÚðãðçð, ÚðòÇ ¨îð÷ýá èð÷, ¨÷î òâð¦ ÑßðãðÏððÐð ÐðèóÈ ò¨îÚðð ±ðÚðð èø.With the approval of RBI, the Bank continued to retain its investments in State Financial Corporations (SFCs)at face value and has not provided for diminution, if any, pending decision by appropriate authority regardingthe price at which the shares of SFCs are to be transferred to an institution.âð÷®ððü¨îÐð ÙððÐð¨î 18 ¨÷î ¡ÐðôçððÜ çðü×ðÊ Ñðêð¨îðÜ Ñߨî¾ÐðRELATED PARTY DISCLOSURES IN TERMS OF AS 189. çðüÚðô©Ãð £ÌðÙð :Joint Venture:¨î.a¡ðýáÀó×ðó¡ðýá Òîð÷ò¾áçð âððýÒî ýüäÚðð÷Ü÷üçð ¨üîÑðÐðó òâð.IDBI Fortis Life Insurance Company Ltd.10. ÑßÙðô®ð ¨îðÚðáÑððâð¨îKey Management Personnel:¨î.a®ð.b±ð.cåó ãðó.Ñðó. äð÷¾þ¾ó, ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îShri V. P. Shetty, Chairman & Managing Directoråó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ, £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îShri O. V. Bundellu, Deputy Managing Directoråó ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð, £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îShri Jitender Balakrishnan, Deputy Managing Director11. çðü×ðÊ Ñðêð¨îðÜð÷ü ¨÷î çððÆð âð÷Ðð-Ç÷ÐðTransactions with related parties:¨î. çðüÚðô©Ãð £ÌðÙð:a Joint Venture:i Ñðõü¸ðó Ùð÷ü ¡üäðÇðÐð : 3,70,000 ÝÑðÚð÷Contribution to capital: Rs.3,70,000ii äð÷ÚðÜ Ñðõü¸ðó ¨÷î òâ𦠡ò±ßÙð : 7,20,00,000 ÝÑðÚð÷Advance for share capital: Rs.7,20,00,000iii ÑßðÜüòØð¨î ãÚðÚð : 6,79,337 ÝÑðÚð÷Preliminary Expenses : Rs.6,79,337®ð. ÑßÙðô®ð ¨îðÚðáÑððâð¨î :b Key Management Personnel:iÑðòÜâðò×ÏðÚðð÷ü çðòèÃð çð¨îâð ãð÷ÃðÐð: 19,55,761 ÝÑðÚð÷ (6,13,176 ÝÑðÚð÷)Gross Salary including Perquisites: Rs.19,55,761 (Rs.6,13,176)94

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)iiiii¥Âðð÷ü ÑðÜ ×Úðð¸ð : 1,64,167 ÝÑðÚð÷ (10,829 ÝÑðÚð÷)Interest on loans: Rs.1,64,167 (Rs.10,829)¥Âðð÷ü ¨îð ×ð¨îðÚðð äð÷æð : 10,71,499 ÝÑðÚð÷ (20,50,463 ÝÑðÚð÷)Outstanding balance of loans: Rs.10,71,499 (Rs.20,50,463)±ð. ÑßÙðô®ð ¨îðÚðáÑððâð¨îð÷ü ¨÷î çðü×ðüòÏðÚðð÷ü ¨÷î çððÆð ¨îð÷ýá âð÷Ðð-Ç÷Ðð ÐðèóÈ èô¡ð èø.c There are no transactions with relatives of Key Management Personnel.®ðüÀ òÜÑðð÷ò¾áü±ð / SEGMENT REPORTING12. ×ðøȨî ÃðóÐð ®ðüÀð÷ü - Æðð÷¨î ×ðøÈò¨üî±ð, ®ðôÇÜð ×ðøÈò¨üî±ð ¡ðøÜ ¾à÷¸ðÜó çð÷ãðð¡ð÷ü Ùð÷ü ÑðòÜμððâðÐð ¨îÜÃðð èø. ýÐð ®ðüÀð÷ü ¨îó ÑðèμððÐð ×ðøÈ¨î ¨îó Úðð÷¸ðÐðð¡ð÷ü¦ãðü çð÷ãðð¡ð÷ü ¨îó ÑߨöîòÃð ¡ðøÜ ¸ðð÷ò®ðÙð Ñßð÷Òîðýâð, âðêÚð ±ßðè¨î Ñßð÷Òîðýâð, çðü±ð¿ÐððÃÙð¨î Áðüμðð ¡ðøÜ ¡ðüÃðòܨî òÜÑðð÷ò¾áȱð ÑßÂððâðó ÑðÜ òãðμððܨîÜÐð÷ ¨÷î ×ððÇ ®ðüÀ òÜÑðð÷ò¾áü±ð çð÷ çðü×ðüòÏðÃð âð÷®ðüð¨îÐð ÙððÐð¨î 17 ¨÷î ¡ÐðôçððÜ ¨îó ±ðýá èø. ×ðøȨî Ðð÷ ¨îðÜð÷×ððÜ ®ðüÀ ¨îð ÑßðÆðòÙð¨î ®ðüÀ ¨÷îÞÑð Ùð÷ü Ñߨî¾Ðð ò¨îÚðð èø. μðõüò¨î ×ðøȨî ØððÜÃð Ùð÷ü ÑðòÜμððâðÐð ¨îÜÃðð èø ¡Ãð: ×ðøÈ¨î ¨÷î ×ððÜ÷ Ùð÷ü Úðè ÙððÐðð ±ðÚðð èø ò¨î Úðè ¨÷îãðâð ³ðÜ÷âðõ®ðüÀ Ùð÷ü ÑðòÜμððâðÐð ¨îÜÃðð èø ¡ðøÜ ýçðòâð¦ òÜÑðð÷¾á Úðð÷±Úð ¨îð÷ýá Øððø±ðð÷òâð¨î ®ðüÀ ÐðèóÈ èø.The Bank operates in three segments Wholesale Banking, Retail Banking and Treasury Services. These segmentshave been identified in line with AS 17 on Segment Reporting after considering the nature and risk profile ofthe products and services, the target customer profile, the organization structure and the internal reportingsystem of the Bank. The Bank has disclosed business segment as the Primary Segment. Since the Bank operatesin India, the Bank is considered to operate only in the domestic segment and as such there are no reportablegeographical segments.13. ®üðÀ Üð¸ðçãð, ÑðòÜÂððÙðð÷ü, ¡ðòçÃðÚðð÷ü ¦ãðü Ç÷ÚðÃðð¡ð÷ü Ùð÷ü ãð÷ ÜðòäðÚððü äððòÙðâð èøÈ ¸ðð÷ ÑßÃÚð÷¨î ®ðüÀ ¨÷î òâ𦠱ðÂðÐðð ò¨î¦ ¸ððÐð÷ Úðð÷±Úð èøüçððÆð èó Ñß×ðüÏðÐð ¨÷î ¡ÐðôÙððÐð ¨÷î ¡ÐðôçððÜ ¡ð×ðüò¾Ãð èøÈ. ¦÷çðó ¡ðòçÃðÚððü ¦ãðü Ç÷ÚðÃðð¦ü ò¸ðÐð¨îó ±ðÂðÐðð ®ðüÀãððÜ ÞÑð Ùð÷ü ÐðèóÈ ¨îó ¸ðð çð¨îÃðó£Ðè÷ü ¡òãðòÐðÏððòÐðÃð ¡ðòçÃðÚðð÷ü ¦ãðü Ç÷ÚðÃðð¡ð÷ü Ùð÷ü çðÙðõòèÃð ò¨îÚðð ±ðÚðð èø.Segment revenue, results, assets and liabilities include the amounts identifiable to each of the segments as alsoamounts allocated, as estimated by the management. Assets and liabilities that cannot be allocated to identifiablesegments are grouped under unallocated assets and liabilities.(è¸ððÜ Ý. / Rs. '000)ªîÙð çðü. òãðãðÜÂð 31 Ùððμðá, 2007 31 Ùððμðá, 2006Sr. No.Particulars ¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáYear endedYear endedMarch 31, 2007 March 31, 2006¨î. / a. ®ðüÀ Üð¸ðçãð / Segment RevenueÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale banking 6075,11,86 6090,56,57®ðôÇÜð ×ðøÈò¨üî±ð / Retail banking 2005,63,13 1293,97,28¾à÷¸ðÜó / Treasury 2443,52,67 1291,02,22¨ôîâð / TOTAL 10524,27,66 8675,56,07³ð¾ð¦ü :- ¡üÃðÜ - ®ðüÀ Üð¸ðçãðLess:– Inter–segment revenue 3151,67,39 2014,39,30ÑðòÜμððâðÐðð÷ü çð÷ òÐðãðâð ¡ðÚðNet income from operations 7372,60,26 6661,16,7795

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)ªîÙð çðü. òãðãðÜÂð 31 Ùððμðá, 2007 31 Ùððμðá, 2006Sr. No.Particulars ¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáYear endedYear endedMarch 31, 2007 March 31, 2006®ð. b. ®ðüÀ ÑðòÜÂððÙð - ¨îÜ-Ñðõãðá âððØð / (èðòÐð)Segment Results – Profit/(Loss) before taxÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale banking 380,68,65 427,94,96®ðôÇÜð ×ðøÈò¨üî±ð / Retail banking 195,55,72 139,58,88¾à÷¸ðÜó / Treasury 106,37,93 20,80,90¨ôîâð / TOTAL 682,62,29 588,34,74³ð¾ð¦ü : ¡òãðòÐðÏððÐðóÚð ¡ðÚð ¨îð÷ ³ð¾ð¨îÜ ¡ÐÚð ¡òãðòÐðÏððÐðóÚð ãÚðÚðLess: Other unallocable expenditure net of unallocable income 0 0¨îÜ-Ñðõãðá ¨ôîâð âððØð / Total profit before tax 682,62,29 588,34,74¡ðÚð¨îÜ / Income taxes 52,31,35 27,46,00òÐðãðâð âððØð / Net profit 630,30,94 560,88,74±ð. c. ®ðüÀ ¡ðòçÃðÚððü / Segment assetsÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale banking 77977,38,15 72913,05,41®ðôÇÜð ×ðøÈò¨üî±ð / Retail banking 19745,05,32 11515,85,05¾à÷¸ðÜó / Treasury 4011,39,31 2098,51,99¡òãðòÐðÏððòÐðÃð ¨îðùÜÑðð÷Ü÷¾ ¡ðòçÃðÚððü / Unallocated corporate assets 2105,49,60 2037,35,65¨ôîâð ¡ðòçÃðÚððü / Total assets 103839,32,38 88564,78,10³ð d. ®ðüÀ Ç÷ÚðÃðð¦ü / Segment liabilitiesÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale banking 73147,65,12 69227,10,40®ðôÇÜð ×ðøÈò¨üî±ð / Retail banking 18414,09,44 10889,54,80¾à÷¸ðÜó / Treasury 3978,11,70 2076,94,60¡òãðòÐðÏððòÐðÃð ¨îðùÜÑðð÷Ü÷¾ Ç÷ÚðÃðð¦ü / Unallocated corporate liabilities 33,57,11 36,42,24¨ôîâð Ç÷ÚðÃðð¦ü / Total liabilities 95573,43,37 82230,02,04´ e. Ñðõü¸ðó±ðÃð ãÚðÚð / Capital ExpenditureÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale banking 339,12,13 100,32,40®ðôÇÜð ×ðøÈò¨üî±ð / Retail banking 21,92,80 20,29,85¾à÷¸ðÜó / Treasury 3,04 1,38¨ôîâð / Total 361,07,96 120,63,63μð f. ÙðõâÚðãðçð / DepreciationÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale banking 98,07,00 118,74,63®ðôÇÜð ×ðøÈò¨üî±ð / Retail banking 23,75,23 24,11,19¾à÷¸ðÜó / Treasury 17,28 68,95¨ôîâð / Total 121,99,51 143,54,7796

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)çðüÚðô©Ãð £ÌðÙð / JOINT VENTURES14. ØððÜÃð Ùð÷ü òÐð±ðòÙðÃð ¨üîÑðÐðó ¡ðýáÀó×ðó¡ðýá Òîð÷ò¾áçð âððýÒî ýüäÚðð÷Ü÷üçð òâð. ò¸ðçðÙð÷ü Ò÷îÀÜâð ×ðøȨî òâð. ÃðÆðð Òîð÷ò¾áçð ýüäÚðð÷Ü÷üçð ýü¾ÜÐð÷äðÐðâð¦Ðð.ãðó. ¨÷î çððÆð ×ðøȨî çðüÚðô©Ãð ÞÑð çð÷ äð÷ÚðÜÏððܨî èø, ¨îð÷ òÇÐððü¨î 23 Ððãðü×ðÜ 2006 ¨÷î çðèÙðòÃð ìððÑðÐð ¨÷î ¡ÐðôÞÑð çðüÚðô©Ãð £ÌðÙð ÙððÐðð±ðÚðð èø. μðõüò¨î ¨üîÑðÐðó Ðð÷ ÑðòÜμððâðÐð ¡ðÜüØð ÐðèóÈ ò¨îÚðð èø ÃðÆðð ýçð¨îð Ñðèâðð âð÷®ððü¨îÐð ãðæðá 31 Ùððμðá 2008 ¨îð÷ çðÙððÑÃð ¡ãðòÏð ¨÷îòâð¦ èð÷±ðð ýçðòâð¦ ýçð ¡ãðòÏð ¨÷î ÇðøÜðÐð ¨üîÑðÐðó ÎðÜð ò¨î¦ ±ð¦ ÑßðÜüòØð¨î ®ðμðð÷áÈ ¨îð Ñߨî¾Ðð ÐðèóÈ ò¨îÚðð ±ðÚðð èø.IDBI Fortis Life Insurance Ltd., a company incorporated in India pursuant to the Memorandum of Understandingdated November 23, 2006, in which the Bank is a shareholder jointly with The Federal Bank Ltd. and FortisInsurance International N. V., has been considered as a Joint Venture. Since, the company has not commencedoperations and its first accounting year will be for the period ending on March 31, 2008, no disclosure has beenmade for the preliminary expenses incurred by the company during the period.¨îÙðáμððÜó ç¾ðù¨î ¡ðùÑäðÐð Úðð÷¸ðÐðð (ýçððùçð) / EMPLOYEES’ STOCK OPTION SCHEME (ESOS)15. äð÷ÚðÜÏððܨîð÷ü ¨÷î ¡ÐðôÙðð÷ÇÐð ¨÷î ¡ÐðôçððÜ çðüäðð÷òÏðÃð ýçððùçð ¨÷î ¡ÐðôçððÜ 31 Ùððμðá 2007 ¨îð÷ Ñððëð ¨îÙðáμððòÜÚðð÷ü ¨îð÷ Ùðü¸ðõÜ 1,24,99,965 ¡ðùÑäðÐð(1,16,14,965 ¡ðùÑäðÐð) ×ð¨îðÚðð Æð÷ ò¸ðÐð¨îð òãðãðÜÂð Ððóμð÷ òÇÚðð ±ðÚðð èø :In terms of the ESOS, as amended, pursuant to the approval of the shareholders, 1,24,99,965 options (1,16,14,965options) granted to eligible employees were outstanding as at March 31, 2007, as detailed herein below:çðÙððÑÃð ãðæðáYear Ended¡ðùÑäðÐðð÷ü ¨îó çðü®ÚððNumber of OptionsÙððμðá / March 31, 2001 16,76,951Ùððμðá / March 31, 2002 25,54,352Ùððμðá / March 31, 2003 32,77,542Ùððμðá / March 31, 2004 21,47,669Ùððμðá / March 31, 2005 19,58,451Ùððμðá / March 31, 2006 8,85,000¨ôîâð / Total 1,24,99,96516. ¡ðùÑäðÐðð÷ü ¨îð òãðãðÜÂð / Details of Options:Ùðü¸ðõÜó ¡ðùÑäðÐðð÷ü ÑßÚðð÷±ð ÙðõâÚð 31 Ùððμðá 2006 òãð.ãð. 06-07 òãð.ãð. 06-07 31 Ùððμðá 2007 31 Ùððμðá 2007ÃððÜó®ð ¨îó çðü®Úðð (Ý.) ¨îð÷ ×ð¨îðÚðð ¨÷î ÇðøÜðÐð ¨÷î ÇðøÜðÐð ¨îð÷ ×ð¨îðÚðð Ãð¨î ¡ðùÑäðÐð¡ðùÑäðÐð ÑßÚðð÷±ð ò¨î¦ çðÙððÑÃð ¡ðùÑäðÐð Options upto±ð¦ ¡ðùÑäðÐð ¡ðùÑäðÐð March 31, 2007GrantNumberExerciseOptionsExercisedLapsedOptions ÑßÚðð÷±ð çðÙððÑÃðdatesof optionsPrice (Rs.)OutstandingDuring theDuring theOutstanding ò¨î¦ ±ð¦ Lapsedas of March FY 06-07 FY 06-07as of MarchExercised31, 2006 31, 2007åöü®ðâðð I /Tranche I :¡±ðçÃð / August22, 2000 83,317 26.64 - - - - 83,317 -97

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)Ùðü¸ðõÜó ¡ðùÑäðÐðð÷ü ÑßÚðð÷±ð 31 Ùððμðá 2006 òãð.ãð. 06-07 òãð.ãð. 06-07 31 Ùððμðá 2007 31 Ùððμðá 2007ÃððÜó®ð ¨îó çðü®Úðð ÙðõâÚð (Ý.) ¨îð÷ ×ð¨îðÚðð ¨÷î ÇðøÜðÐð ¨÷î ÇðøÜðÐð ¨îð÷ ×ð¨îðÚðð Ãð¨î ¡ðùÑäðÐð¡ðùÑäðÐð ÑßÚðð÷±ð ò¨î¦ çðÙððÑÃð ¡ðùÑäðÐð Options upto±ð¦ ¡ðùÑäðÐð ¡ðùÑäðÐð March 31, 2007GrantNumberExerciseOptionsExercisedLapsedOptions ÑßÚðð÷±ð çðÙððÑÃðdatesof optionsPrice (Rs.)OutstandingDuring theDuring theOutstanding ò¨î¦ Lapsedas of March FY 06-07 FY 06-07as of March±ð¦31, 2006 31, 2007 Exercisedåöü®ðâðð II /Tranche II :¡©Ãðõ×ðÜ / Oct.1, 2000 14,26,035 28.49 35,258 13,511 - 21,747 9,41,424 4,62,864åöü®ðâðð III /Tranche III :¸ðÐðãðÜó / January1, 2001 1,67,599 30.54 - - - - 1,28,867 38,732åöü®ðâðð IV /Tranche IV :¡Ñßøâð / April1, 2001 21,34,225 29.73 94,746 58,946 1,126 34,674 15,65,268 5,34,283åöü®ðâðð V/Tranche V :¡©Ãðõ×ðÜ / Oct.1, 2001 4,20,127 26.20 7,289 4,998 - 2,291 2,94,928 1,22,908åöü®ðâðð VI/Tranche VI :¡Ñßøâð / April1, 2002 32,23,415 23.88 74,602 42,797 498 31,307 24,77,143 7,14,965åöü®ðâðð VII/Tranche VII :òÇçðü×ðÜ / Dec.1, 2002 54,127 28.50 - - - - 47,881 6,246åöü®ðâðð VIII/Tranche VIII :¡Ñßøâð / April1, 2003 21,47,669 30.30 2,39,234 1,90,884 - 48,350 14,55,526 6,43,793åöü®ðâðð IX/Tranche IX:¡Ñßøâð / April1, 2004 16,41,549 50.95 6,47,689 2,48,349 1,58,871 2,40,469 7,50,975 6,50,105åöü®ðâðð X/Tranche X :¸ðôâððýá / July1, 2004 3,16,902 58.06 - - - - 2,81,691 35,211åöü®ðâðð XI/Tranche XI :¡©Ãðõ×ðÜ / Oct.1, 2005 8,85,000 98.11 8,85,000 - 2,78,650 6,06,350 - 2,78,65098

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)17. ÑßòÃð äð÷ÚðÜ ¡ðÚð (ýáÑðó¦çð) / Earnings per Share (EPS)31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáYear ended Year endedMarch 31, 2007 March 31, 2006ÑßòÃð äð÷ÚðÜ ¡ðÚð ¨îó ±ðÂðÐðð ¨÷î òâð¦ òèçðð×ð Ùð÷ü òâðÚðð ±ðÚðð òÐðãðâð âððØð (è¸ððÜ ÝÑðÚð÷)Net profit considered for EPS calculation (Rs. Thousand) 630,30,94 560,88,74Ùðõâð ýáÑðó¦çð ¨÷î òâð¦ òèçðð×ð Ùð÷ü òâ𦠱ð¦ ýò©ãð¾óäð÷ÚðÜð÷ü ¨îó ØððòÜÃð ¡ðøçðÃð çðü®ÚððWeighted average number of equity shares considered for basic EPS 72,43,54,088 72,31,56,760ÑßòÃð äð÷ÚðÜ ¡ðÚð (Ùðõâð) (Ý.) / EPS (Basic) (Rs.) 8.70 7.76¸ðð÷Àÿ÷ü : Ùðü¸ðõÜ ò¨îÚð÷ ±ðÚð÷ ýáçððùÑð ¨îð ÐÚðõÐðó¨îÜÂð ÑßØððãðAdd: Dilutive impact of ESOP granted 3,46,727 10,74,000ÐÚðõÐðó¨öîÃð ýáÑðó¦çð ¨÷î òâð¦ òèçðð×ð Ùð÷ü òâðÚð÷ ±ðÚð÷ ýò©ãð¾óäð÷ÚðÜð÷ü ¨îó ØððòÜÃð ¡ðøçðÃð çðü®ÚððWeighted average number of equity shares considered for diluted EPS 72,47,00,815 72,42,30,959ÑßòÃð äð÷ÚðÜ ¡ðÚð (ÐÚðõÐðó¨öîÃð) (Ý.) / EPS (Diluted) (Rs.) 8.70 7.74ÑßòÃð ýò©ãð¾ó äð÷ÚðÜ ¡üò¨îÃð ÙðõâÚð (Ý.) / Face value per Equity share (Rs.) 10 1018. ¡ðÚð / ÏðÐð / òÔîü¸ð ×ð÷òÐðòÒî¾ ¨îÜ ¨÷î òâð¦ ÑßðãðÏððÐðProvision for Income/ Wealth/ Fringe Benefit Tax(è¸ððÜ Ý. / Rs. ’000)(i) ¡ðçÆðò±ðÃð ¨îÜ (òÐðãðâð) Deferred Tax (Net)31 Ùððμðá 2006 31 Ùððμðá 2007 31 Ùððμðá 2007¨îð÷ äð÷æð ¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ äð÷æð¨÷î òâð¦Balance asFor theBalance as onon Marchyear ended March 31, 200731, 2006 March 31, 2007¡ðçÆðò±ðÃð ¨îÜ Ç÷ÚðÃðð / Deferred tax liability¡μðâð ¡ðòçÃðÚðð÷ü ÑðÜ ÙðõâÚðãðçð (âðó¸ð çðÙð¨îÜÂð òܸðãðá çðòèÃð)Depreciation on fixed assets(including Lease equilisation reserve) 56,35,13 -8,88,28 47,46,85¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 36(1)(viii) ¨÷î¡üÃð±ðáÃð ¡ÐðôÙðÃð ¨î¾ðøòÃðÚððüDeduction allowed u/s. 36(1)(viii) of the Income-taxAct, 1961 - 79,10,10 79,10,1099

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¨ôîâð (¡) / Total (A) 56,35,13 70,21,82 126,56,95¡ðçÆðò±ðÃð ¨îÜ ¡ðòçÃð / Deferred tax asset31 Ùððμðá 2006 31 Ùððμðá 2007 31 Ùððμðá 2007¨îð÷ äð÷æð ¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ äð÷æð¨÷î òâð¦Balance as onFor theBalance as onMarch 31, 2006year ended March 31, 2007March 31, 2007¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨÷î ¡üÃð±ðáÃð ¡ÐðôÙðÃð Ððò¨î¦ ±ð¦ ¦ÐðÑðó¦ ÑßðãðÏððÐðNPA provisions not allowed underIncome tax Act, 1961 35,14,98 19,06,50 54,21,48¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 43×ðó,40 (¦)(¡ðýá¦) ¡ðòÇ ¨÷î ¡üÃð±ðáÃð ¡çãðó¨îðÜDisallowance u/s. 43B, 40(a)(ia) etc. ofthe Income-tax Act, 1961 43,99,27 28,36,20 72,35,47¨ôîâð (¡ð) / Total (B) 79,14,25 47,42,70 126,56,95¡ðçÆðò±ðÃð ¨îÜ Ç÷ÚðÃðð / (¡ðòçÃð)(òÐðãðâð)(¡) - (¡ð)Deferred tax liability/ (asset) (net) (A) – (B) (22,79,12) 22,79,12 NIL31 Ùððμðá 2006 ¨îð÷ 31 Ùððμðá 2007 ¨îð÷çðÙððÑÃð ãðæðá ¨÷î òâð¦ çðÙððÑÃð ãðæðá ¨÷î òâð¦For the year endedFor the year endedMarch 31, 2006 March 31, 2007(ii) ¡ðÚð¨îÜ / Income Tax 59,80,00 66,00,00³ð¾ð¦ü : Ñðõãðá ãðæðð÷áÈ ¨÷î ¨îÜ ÑßðãðÏððÐðð÷ü ¨îó £âð¾ Ñßòãðòæ¾Less: Reversal of tax provision of earlier years - (40,00,00)¡ðÚð¨îÜ ¨÷î òâð¦ òÐðãðâð ÑßðãðÏððÐð / Net provision for income tax 59,80,00 26,00,00(iii) òÔüî¸ð ×ð÷òÐðòÒî¾ ¨îÜ / Fringe Benefit Tax 14,40,00 3,25,00(iv) ÏðÐð ¨îÜ/ Wealth Tax 20,00 27,2319. òãð±ðÃð ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü ¨îð÷, ¸ðèðü ¡ðãðäÚð¨î çðÙð»ðð ±ðÚðð èø, ÑðôÐðçðáÙðõòèÃð ÃðÆðð ÑðôÐðãÚðáãðòçÆðÃð ò¨îÚðð ±ðÚðð èø.Figures for the previous year have been regrouped and rearranged wherever considered necessary.20. ¨îð÷濨îð÷ü Ùð÷ü òÇÚð÷ ±ðÚð÷ ¡ðü¨îÀÿ÷ òÑðâð÷ ãðæðá çð÷ çðü×ðüòÏðÃð èøÈ / Figures in brackets pertain to the previous year.100

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¡Ððôçðõμðó 19 - òܺðãðá ×ðøÈ¨î ¨÷î òÇäðð-òÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôçððÜ Ñߨî¾ÐðSCHEDULE 19 - DISCLOSURES AS PER RBI GUIDELINESI Ñðõü¸ðó / Capital(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year(i) çðó¡ðܦ¡ðÜ (%)CRAR (%) 13.73% 14.80%(ii) çðó¡ðܦ¡ðÜ -¾óÚðÜ I Ñðõü¸ðó (%)CRAR - Tier I Capital (%) 9.11% 11.71%(iii) çðó¡ðܦ¡ðÜ - ¾óÚðÜ II Ñðõü¸ðó (%)CRAR - Tier II Capital (%) 4.62% 3.09%(iv) ØððÜÃð çðܨîðÜ ¨îó äð÷ÚðÜÏððòÜÃðð ¨îð ÑßòÃðäðÃðPercentage of the shareholding of the Government of India 52.71% 52.75%(v) ¾óÚðÜ II Ñðõü¸ðó ¨÷î ÞÑð Ùð÷ü ¸ðô¾ðýá ±ðýá ±ððøÂð ¥Âð ¨îó ÜðòäðAmount of subordinated debt raised as Tier II Capital 1418.80 851.50101

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀIIâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)òÐðãð÷äð / Investments (ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year(1) òÐðãð÷äð ¨îð ÙðõâÚðValue of Investments(i) òÐðãð÷äð ¨îð çð¨îâð ÙðõâÚðGross Value of Investments(¨î) ØððÜÃð Ùð÷ü(a) In India 25896.27 25596.99(®ð) ØððÜÃð çð÷ ×ððèÜ(b) Outside India, 1.05 6.65(ii) ÙðõâÚðã¸çð ¨÷î òâð¦ ÑßðãðÏððÐðProvisions for Depreciation(¨î) ØððÜÃð Ùð÷ü(a) In India 222.01 253.11(®ð) ØððÜÃð çð÷ ×ððèÜ(b) Outside India, 0.00 0.00(iii) òÐðãð÷äð ¨îð òÐðãðâð ÙðõâÚðNet Value of Investments(¨î) ØððÜÃð Ùð÷ü(a) In India 25674.26 25343.88(®ð) ØððÜÃð çð÷ ×ððèÜ(b) Outside India, 1.05 6.65(2) òÐðãð÷äð ÑðÜ ÙðõâÚðã¸çð ¨÷î òâð¦ ÏððòÜÃð ÑßðãðÏððÐðð÷ü Ùð÷ü ³ð¾ ×ðÁÿ(¡ò±ßÙð ¨÷î ÞÑð Ùð÷ü òÀ×ð÷üμðÜð÷ü ¡ðøÜ ×ððüÀð÷ü ¨îð÷ ð÷Àÿ¨îÜ)Movement of provisions held towards depreciation on investments(excluding bonds & debentures in the nature of advance).(i) ÑßðÜüòØð¨î äð÷æðOpening balance 224.90 43.83(ii) ¸ðð÷Àÿ÷ü : ãðæðá ¨÷î ÇðøÜðÐð ò¨îÚð÷ ±ðÚð÷ ÑßðãðÏððÐðAdd: Provisions made during the year 22.71 197.69(iii) ³ð¾ðÚð÷ü : ãðæðá ¨÷î ÇðøÜðÐð ×ð¾þ¾÷ ®ððÃð÷ Àðâð÷ ±ðÚð÷/ÑðôÐðÜðüò¨îÃð ò¨îÚð÷ ±ðÚð÷ ¡ðòÏð©Úð ÑßðãðÏððÐðLess: Write-off/ write-back of excess provisions during the year 42.18 16.62(iv) ¡üòÃðÙð äð÷æðClosing balance 205.43 224.90(3) ¡ò±ßÙð ¨÷î ÞÑð Ùð÷ü ×ððüÀð÷ü ¦ãðü òÀ×ð÷üμðÜð÷ü Ùð÷ü òÐðãð÷äð ÑðÜ ÙðõâÚðã¸çð ¨÷îòâð¦ ÏððòÜÃð ÑßðãðÏððÐðð÷ü Ùð÷ü ³ð¾ ×ðÁÿMovement of provisions held towards depreciation on investments in bonds& debentures in the nature of advance.(i) ÑßðÜüòØð¨î äð÷æðOpening balance 28.21 41.70(ii) ¸ðð÷Àÿ÷ü : ãðæðá ¨÷î ÇðøÜðÐð ò¨îÚð÷ ±ðÚð÷ ÑßðãðÏððÐðAdd: Provisions made during the year 16.58 5.00(iii) ³ð¾ðÚð÷ü : ãðæðá ¨÷î ÇðøÜðÐð ×ð¾þ¾÷ ®ððÃð÷ Àðâð÷ ±ðÚð÷/ÑðôÐðÜðüò¨îÃð ò¨îÚð÷ ±ðÚð÷ ¡ðòÏð©Úð ÑßðãðÏððÐðLess: Write-off/ write-back of excess provisions during the year 28.21 18.49(iv) ¡üòÃðÙð äð÷æðClosing balance 16.58 28.21102

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)IIIÜ÷Ñðð÷ âð÷ÐðÇ÷ÐðRepo Transactions(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ãðæðá ¨÷î ÇðøÜðÐð ãðæðá ¨÷î ÇðøÜðÐð ãðæðá ¨÷î ÇðøÜðÐð ÚðÆðð 31 ÙððμðáÐÚðõÐðÃðÙð ×ð¨îðÚðð ¡òÏð¨îÃðÙð ¡ðøçðÃð ÇøòÐð¨î 2007×ð¨îðÚðð ×ð¨îðÚððMinimumMaximumDailyAs onoutstanding outstandingAverageMarchduringduring outstanding 31, 2007the yearthe yearduringthe yearÜ÷Ñðð÷ ¨÷î ¡üÃð±ðáÃð ×ð÷μðó ±ðýá ÑßòÃðØðõòÃðÚððüSecurities sold under repos 31.50 1680.00 38.98 1207.50òÜãðçðá Ü÷Ñðð÷ ¨÷î ¡üÃð±ðáÃð ®ðÜóÇó ±ðýá ÑßòÃðØðõòÃðÚððüSecurities purchased under reverse repos 14.70 2887.50 120.89 0.00IV±ðøÜ-¦çð¦âð¡ðÜ òÐðãð÷äð Ñðð÷¾áÒîð÷òâðÚðð÷Non- SLR Investment Portfolio(i) ±ðøÜ-¦çð¦âð¡ðÜ òÐðãð÷äð ¨îó ¸ððÜó¨îÃððá çðüÜμðÐðð (ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)Issuer composition of Non-SLR investmentsªîÙð çðü. ¸ððÜó¨îÃððá Üðòäð òÐð¸ðó `òÐðãð÷äð å÷Âðó ±ðøÜ-Ü÷ò¾ü±ð `±ðøÜ çðõμðó×ðÊ'Sr. No.IssuerAmount òÐðÚðð÷¸ðÐð çð÷ ¨îÙð' ãððâðó ÑßòÃðØðõòÃðÚðð÷ü¨îó Ùððëðð ÑßòÃðØðõòÃðÚðð÷ü ÑßòÃðØðõòÃðÚðð÷ü ¨îó Ùððëðð¨îó Ùððëðð ¨îó ÙððëððExtent ofExtent ofExtent ofExtent ofPrivate‘Below‘Unrated’‘Unlisted’PlacementInvestmentSecuritiesSecuritiesGrade’Securities(1) (2) (3) (4) (5) (6) (7)(i) çððãðá¸ðòÐð¨î êð÷ëð ¨÷î £ÑðªîÙðPSUs 545.32 104.64 45.00 50.00 57.51(ii) òãðÄðóÚð çðüçÆðð¦üFIs 660.02 611.97 45.26 114.36 352.43(iii) ×ðøȨîBanks 390.72 102.76 0.00 0.00 0.00(iv) òÐð¸ðó ¨üîÑðòÐðÚððüPrivate corporate 6218.60 1361.77 400.16 3251.72 3571.57(v) çðèðÚð¨î çðüçÆðð¦ü / çðüÚðô©Ãð £ÌðÙðSubsidiaries / Joint ventures 357.02 357.02 0.00 0.00 357.02(vi) ¡ÐÚðOthers 1511.14 1511.14 0.00 45.36 695.77(vii) ÙðõâÚðã¸çð ¨÷î òâð¦ ÏððòÜÃð ÑßðãðÏððÐðProvision held towards depreciation 216.14 XXX XXX XXX XXX¨ôîâð / Total 9466.68 4049.30 490.42 3461.44 5034.30103

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ii) ±ðøÜ-òÐðæÑððÇ¨î ±ðøÜ-¦çð¦âð¡ðÜ òÐðãð÷äð (¡ò±ßÙð ¨÷î ÞÑð Ùð÷ü ×ððüÀð÷ü ¦ãðü òÀ×ð÷üμðÜð÷ü çðòèÃð)(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü)Non-performing Non-SLR investments (including bonds and debentures in the nature of advance)(Rs. in Crore)òãðãðÜÂðÜðòäðParticularsAmountÑßðÜüòØð¨î äð÷æð / Opening balance 525.26ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 110.95ãðæðá ¨÷î ÇðøÜðÐð ¨îÙðó / Reductions during the year 145.89¡üòÃðÙð äð÷æð / Closing balance 490.42ÏððòÜÃð ¨ôîâð ÑßðãðÏððÐð (òÐðæÑððÇ¨î ±ðøÜ-¦çð¦âð¡ðÜ òÐðãð÷äðð÷ü ¨÷î ÙðõâÚð Ùð÷ü ¨îÙðó ¨÷î òâð¦ 52.42 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨÷î ÑßðãðÏððÐð ¨îð÷ ð÷Àÿ¨îÜ)Total provisions held (excluding provision of Rs.52.42 crore for diminutionin the value of performing Non SLR investments) 163.73V À÷òÜãð÷ò¾ãð / Derivatives(¨î) ãððÚðÇð ÇÜ ¨îÜðÜ / ×Úðð¸ð ÇÜ çãðøÑð(a) Forward Rate Agreement/ Interest Rate Swap(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year(i) çãðøÑð ¨îÜðÜð÷ü ¨îð ¡ðÐðôÙððòÐð¨î ÙðõâðÏðÐðThe notional principal of swap agreementsè÷ò¸ðü±ð / Hedging 5598.24 7241.61¾à÷òÀü±ð / Trading 59825.21 29682.18(ii) ¨îÜðÜð÷ü ¨÷î ¡üÃð±ðáÃð ÚðòÇ ¨îð£ü¾Ü Ñðð¾óá ¡ÑðÐð÷ ÇðòÚðÃãð ¨÷î òÐðãðáèÐð Ùð÷ü ¡çðÒîâð èð÷Ãðó èøÃðð÷ £çð¨÷î ¨îðÜÂð èð÷Ðð÷ãððâðó èðòÐðÚððüLosses which would be incurred if counterparties failed to fulfil theirobligations under the agreements 620.12 312.04(iii) çãðøÑð ¨îÜÐð÷ ¨÷î ×ððÇ ×ðøȨî ÎðÜð ¡Ñð÷òêðÃð çðüÑððòäãðá¨î ÑßòÃðØðõòÃð (ò¾ÑÑðÂðó 1 Ç÷®ð÷ü) äðõÐÚð äðõÐÚðCollateral required by the bank upon entering into swaps NIL NIL(refer note 1)(iv) çãðøÑð çð÷ £ÃÑðÐÐð èð÷Ðð÷ãððâð÷ ¥Âð ¸ðð÷ò®ðÙð ¨îð çðü¨÷îÍÂð (Ððóμð÷ ò¾ÑÑðÂðó 2 Ç÷®ð÷ü)òãðÇ÷äðó ×ðøȨî, òÐð¸ðó ×ðøȨî ãð ¨îðùÜÑðð÷Ü÷¾Concentration of credit risk arising from the swapsForeign Banks, Private Banks(refer note 2 below) & Corporates(v) çãðøÑð ×ðô¨î ¨îð £òμðÃð ÙðõâÚðThe fair value of the swap book (245.98) (204.35)1. ÚðòÇ Ùðð¨áî ¾õ Ùðð¨÷áî¾ (¦Ùð¾ó¦Ùð) èðòÐð ¡ÐðôÙðð÷òÇÃð çðóÙðð (×ðøȨî ÎðÜð òÐðÏððáòÜÃð) çð÷ ¡òÏð¨î èø Ãðð÷ ±ßðè¨îð÷ü ÎðÜð Ðð¨îÇ ¸ðÙðð ¨÷î ÞÑð Ùð÷ü Ùððò¸ðáÐðÜ®ðÐð÷ ¨îó ¡ðãðäÚð¨îÃðð èð÷Ãðó èø.Margin by way of cash deposit is required to be maintained by clients, in case Mark to Market (MTM) lossexceed the approved limit (set by the Bank)2. 31 Ùððμðá 2007 ¨îð÷ Ñððüμð äðóæðá ¨îðùÜÑðð÷Ü÷¾ ±ßðè¨îð÷ü ¨îð ¥Âð ¸ðð÷ò®ðÙð çðü¨÷îÐÍÂð (×ðøÈ¨î ¨÷î òâð¦ çð¨îðÜðÃÙð¨î ¦Ùð¾ó¦Ùð) ×ðøÈ¨î ¨÷î ¨îðùÜÑðð÷Ü÷¾ ±ßðè¨îð÷üçð÷ ¨ôîâð çð¨îðÜðÃÙð¨î ¦Ùð¾ó¦Ùð ¨îð 49.57% èø.Concentration of credit risk (positive MTM to the Bank) to top 5 corporate clients as at March 31, 2007 is at49.57% of the total positive MTMs from corporate clients to the Bank.3. ãððÚðÇð ÇÜ ¨îÜðÜ / ×Úðð¸ð ÇÜ çãðøÑð ¨îó ¡ãðòÏð 10 ãðæðá Ãð¨î èø.Terms of the forward rate agreement/ interest rate swap are upto 10 years.104

®ð. ×ðð¸ððÜ Ùð÷ü âð÷ÐðÇ÷Ðð ãððâð÷ ×Úðð¸ð ÇÜ À÷òÜãð÷ò¾ãð(b) Exchange Traded Interest Rate DerivativesIndustrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ªîÙð çðü. òãðãðÜÂð ÜðòäðSr. No.ParticularsAmount(i) âð÷®ðð ãðæðá ¨÷î ÇðøÜðÐð ×ðð¸ððÜ Ùð÷ü À÷òÜãð÷ò¾ãð âð÷ÐðÇ÷Ðð ò¨î¦ ±ð¦ ×Úðð¸ð ÇÜ ¨îó ¡ðÐðôÙððòÐð¨î ÙðõâðÏðÐð Üðòäð (òâð®ðÃð-ãððÜ) äðõÐÚðNotional principal amount of exchange traded interest rate derivatives undertakenNILduring the accounting year (instrument-wise)(ii) 31 Ùððμðá 2007 ¨îð÷ ×ðð¸ððÜ Ùð÷ü âð÷ÐðÇ÷Ðð ãððâð÷ ×Úðð¸ð ÇÜ À÷òÜãð÷ò¾ãð ¨îó ¡ðÐðôÙððòÐð¨î ×ð¨îðÚðð ÙðõâðÏðÐð Üðòäð (òâð®ðÃð-ãððÜ) äðõÐÚðNotional principal amount of exchange traded interest rate derivatives outstandingNILas on March 31, 2007 (instrument-wise)(iii) ×ðð¸ððÜ Ùð÷ü âð÷ÐðÇ÷Ðð ãððâð÷ ×Úðð¸ð ÇÜ À÷òÜãð÷ò¾ãð ×ð¨îðÚðð ÃðÆðð ``£μμð ÑßØððãðó'' ÐðèóÈ ¨îð ¡ðÐðôÙððòÐð¨î ÙðõâðÏðÐð (òâð®ðÃð-ãððÜ) äðõÐÚðNotional principal amount of exchange traded interest rate derivatives outstandingNILand not “highly effective” (instrument-wise)(iv) ×ðð¸ððÜ Ùð÷ü âð÷ÐðÇ÷Ðð ãððâð÷ ×Úðð¸ð ÇÜ À÷òÜãð÷ò¾ãð ×ð¨îðÚðð ÃðÆðð ``£μμð ÑßØððãðó'' ÐðèóÈ ¨îð Ùðð¨áî-¾õ-Ùðð¨÷áî¾ ÙðõâÚð (òâð®ðÃð-ãððÜ) äðõÐÚðMark-to-market value of exchange traded interest rate derivatives outstanding andNILnot “highly effective” (instrument-wise)(±ð) À÷òÜãð÷ò¾ãð Ùð÷ü ¸ðð÷ò®ðÙð ¨îð Ñߨî¾Ðð - ±ðôÂððÃÙð¨î Ñߨî¾Ðð(c ) Disclosures on risk exposure in derivatives- Qualititave disclosures(i) ×ðøȨî è÷ò¸ðü±ð ÃðÆðð çððÆð èó ¾à÷òÀü±ð £É÷äÚðð÷ü ¨÷î òâð¦ À÷Ü÷ãð÷ò¾ãð ¨îð ýçÃð÷Ùððâð ¨îÜÃðð èø. ¦÷çð÷ À÷òÜãð÷ò¾ãð ¨÷î ýçÃð÷Ùððâð çð÷ òãðòØðÐÐð ¸ðð÷ò®ðÙðð÷ü ¸ðøçð÷¥Âð ¸ðð÷ò®ðÙð, ×ðð¸ððÜ ¸ðð÷ò®ðÙð, ÑðòÜμððâðÐð çðü×ðüÏðó ¸ðð÷ò®ðÙð, ¨îðÐðõÐðó ¸ðð÷ò®ðÙð ¡ðòÇ ×ðÁÿ ¸ððÃð÷ èøÈ.The Bank uses derivatives for Hedging as well as for Trading purposes. The use of such derivatives gives rise tovarious risks like credit risk, market risk, operational risk, legal risk etc.(ii) ×ðøÈ¨î ¨÷î Ñððçð ýÐð ¸ðð÷ò®ðÙðð÷ü ¨÷î Ñß×ðüÏð ¨÷î òâ𦠦¨î çðôãÚðãðòçÆðÃð Áðüμðð èø ò¸ðçðÙð÷ü ¸ðð÷ò®ðÙð ÐðóòÃð, ¸ðð÷ò®ðÙð Ñß×ðüÏð çðü±ð¿Ðð, ¸ðð÷ò®ðÙð ¡ð¨îâðÐð ¡ðøÜòÐð±ðÜðÐðó ÑßòªîÚðð, çðóÙðð çðüÜμðÐðð ÃðÆðð ÑßÂððâðó±ðÃð ×ðôòÐðÚððÇó çðüÜμðÐðð äððòÙðâð èø. ×ðøÈ¨î ¨î𠦨î çãðÃðüëð ¸ðð÷ò®ðÙð Ñß×ðüÏð ±ßôÑð èø ò¸ðçð¨÷î ÑßÙðô®ðÙðô®Úð Ùðèð Ñß×ðüÏð¨î èøÈ. ¸ðð÷ò®ðÙð Ñß×ðüÏð ±ßôÑð, ×ðð÷Àá ÎðÜð òãðòÐðòÇáæ¾ ÐðóòÃðÚðð÷ü, ÑßòªîÚðð¡ð÷ü, ÙððÐðÇüÀð÷ü ¡ðøÜ çðóÙðð¡ð÷ü ÃðÆðð âðð±ðõ òãðòÐðÚððÙð¨îòÇäððòÐðÇ÷áäðð÷ü ¨÷î ¡ÐðôçððÜ ¸ðð÷ò®ðÙð ¨÷î ¡ð¨îâðÐð, òÐð±ðÜðÐðó ¡ðøÜ òÜÑðð÷ò¾áȱð ¨÷î òâ𦠨îðÚððáÃÙð¨î ÞÑð çð÷ ò¸ðÙÙð÷ÇðÜ èø. ¡ðòçÃð Ç÷ÚðÃðð Ñß×ðüÏðçðòÙðòÃð ¨÷î çðÙð±ß ÑðÚðáãð÷êðÂð ¨÷î ¡üÃð±ðáÃð ¸ðð÷ò®ðÙð ¨îð Ñß×ðüÏð ò¨îÚðð ¸ððÃðð èø ÃðÆðð ×ðð÷Àá ¨îó ¸ðð÷ò®ðÙð Ñß×ðüÏð çðòÙðòÃð ¡ðøÜ çððÆð èó ×ðð÷Àá ¨îð÷òÐðÚðòÙðÃð ÞÑð çð÷ òÜÑðð÷ò¾áȱð ¨îó ¸ððÃðó èø.The Bank has a well defined structure to manage these risks, consisting of risk policy, risk management organisation,risk measurement and monitoring process, limit structure and system infrastructure. The Bank has an independentRisk Management Group headed by a Chief General Manager. The Risk Management Group is functionallyresponsible for measurement, monitoring and reporting of risks in accordance with the policies, processes,parameters and limits defined by the Board as well as the applicable regulatory guidelines. Risk is managed underthe overall supervision of Asset Liability Management Committee with regular reporting to Risk ManagementCommittee of the Board as well as to the Board.(iii) ¥Âð ¸ðð÷ò®ðÙð, ×ðð¸ððÜ ¸ðð÷ò®ðÙð, ÑðòÜμððâðÐð ÃðÆðð ¨îðÐðõÐðó ¸ðð÷ò®ðÙð ÑðÜ òÐðÚðüëðÂð ¨îÜÐð÷ ¨÷î òâð¦ çðü®ÚððÃÙð¨î ¡ðøÜ ±ðôÂððÃÙð¨î Çð÷Ððð÷ü èó ¡Æðð÷áÈ Ùð÷üÀ÷Ü÷ãð÷ò¾ãð âð÷ÐðÇ÷Ððð÷ü Ùð÷ü ¥Âð ¸ðð÷ò®ðÙð ¨îð ¡ð¨îâðÐð/ÙðõâÚððü¨îÐð ò¨îÚðð ¸ððÃðð èø. À÷òÜãð÷ò¾ãð âð÷Ðð-Ç÷Ðð ¨îÜÐð÷ çð÷ Ñðèâð÷ Úðè çðôòÐðòäμðÃð ò¨îÚðð ¸ððÃððèø ò¨î ±ßðè¨î/ÇõçðÜ÷ Ñðêð ¨îð÷ ¥Âð çðÙðÃðôâÚð ¸ðð÷ò®ðÙð (¦âðýá¡ðÜ) ¨÷î ÞÑð Ùð÷ü ¡ð¨îâðÐð ò¨îÚðð ±ðÚðð ¥Âð ¸ðð÷ò®ðÙð, ¡ÐðôÙðð÷òÇÃð çðóÙðð ¨÷î ØðóÃðÜ èøÃðÆðð ±ßðè¨î/ÇõçðÜ÷ Ñðêð ¨îð÷ âð÷Ðð-Ç÷Ðð ¨îó ¡ðãðäÚð¨î çðÙð»ð èø. ×ðð¸ððÜ ¸ðð÷ò®ðÙð ¨îð ¡ð¨îâðÐð ¡ðøÜ Ñß×ðüÏð òçÆðòÃðÚðð÷ü, çðÙðÚð-çðóÙðð ¡Æðãðð ¡ãðòÏð,×ðð¸ððÜ ÇÜð÷ü ¨÷î ÑßòÃð çðüãð÷ÇÐðäðóâðÃðð, ¡üÃðÜðâð, ±ßó©çð, ¸ðð÷ò®ðÙð ÑðÜ ÙðõâÚð, ç¾ðùÑð âððùçð ¡ðòÇ £ÑððÚðð÷ü ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ ò¨îÚðð ¸ððÃðð èø.ÑðÚððáÑÃð ÑßÂððâðó±ðÃð ×ðôòÐðÚððÇó çðüÜμðÐðð ¡ðøÜ òÐðÚðüëðÂð ÑßÂððâðó ¨îð÷ ãÚðãðòçÆðÃð Ü®ð¨îÜ ÑðòÜμððâðÐð±ðÃð ¸ðð÷ò®ðÙðð÷ü ¨îð çðÙððÏððÐð ò¨îÚðð ¸ððÃðð èø.¡ðãðäÚð¨î òãðòÏð¨î ¨îÜðÜð÷ü ¨÷î òÐðæÑððÇÐð ¡ðøÜ ÇçÃððãð÷¸ðó¨îÜÂð ¨÷î ¸ðòÜÚð÷ ¨îðÐðõÐðó ¸ðð÷ò®ðÙðð÷ü ¨îð ÏÚððÐð Ü®ðð ¸ððÃðð èø.Risk exposures in derivatives transactions are measured/assessed in both quantitative and qualitative terms tocapture credit risk, market risk and operational & legal risk. Prior to the execution of derivative transaction, it105

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àis ensured that credit risk exposure to the client/counterparty, measured in terms of Loan Equivalent Risk (LER),is within the approved limit and the client/counterparty has the necessary understanding of the transaction. Marketrisk exposure is measured and managed in terms of positions, duration or tenor, sensitivities to market rates, gaps,Greeks, Value-at-Risk, stop loss etc. measures. Operational risks are addressed by having adequate systeminfrastructure and control mechanism in place. Legal risks are taken care of by execution of necessary legalagreements and documentation.(³ð) À÷òÜãð÷ò¾ãð Ùð÷ü ¸ðð÷ò®ðÙð ¨îð Ñߨî¾Ðð -ÙððëððÃÙð¨î Ñߨî¾Ðð (ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü )(d) Disclosures on risk exposure in derivatives- Quantitative disclosures(Rs. in Crore)ªîÙð çðü. òãðãðÜÂð ÙðôÍð À÷òÜãð÷ò¾ãð ×Úðð¸ð ÇÜ À÷òÜãð÷ò¾ãðSr. No. ParticularsCurrencyInterest RateDerivativesDerivatives(i)(ii)(iii)(iv)(v)âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)À÷òÜãð÷ò¾ãð (¡ðÐðôÙððòÐð¨î ÙðõâðÏðÐð Üðòäð)Derivatives (Notional principal amount)(¨î) è÷ò¸ðü±ð ¨÷î òâð¦(a) For hedging - 5598.24(®ð) ¾à÷òÀü±ð ¨÷î òâð¦(b) For trading 6671.80 59825.21Ùðð©Àá-¾õ-Ùðð¨÷áî¾ òçÆðòÃðMarked to Market Positions(¨î) ¡ðòçÃðÚððü (+)(a) Assets (+) 65.99 18.69(®ð) Ç÷ÚðÃðð¦ü (-)(b) Liability (-) 18.57 264.67¥Âð ¸ðð÷ò®ðÙðCredit exposure 289.01 764.02×Úðð¸ð ÇÜ Ùð÷ü 1 ÑßòÃðäðÃð ¨îð çðüØððòãðÃð ÑßØððãð (100* Ñðóãðó01)Likely impact of one percent change in interest rate (100*PV01)(¨î) è÷ò¸ðü±ð À÷òÜãð÷ò¾ãð Ùð÷ü(a) On hedging derivatives - 111.50(®ð) ¾à÷òÀü±ð À÷òÜãð÷ò¾ãð Ùð÷ü(b) On trading derivatives 0.31 11.37ãðæðá ¨÷î ÇðøÜðÐð Ç÷®ð÷ ±ðÚð÷ 100*Ñðóãðó01 ¨÷î ¡òÏð¨îÃðÙð ¦ãðü ÐÚðõÐðÃðÙðMaximum and minimum of 100* PV01 observed during the yearè÷ò¸ðü±ð ÑðÜOn hedging¡òÏð¨îÃðÙð / Maximum - 182.89¾à÷òÀü±ð ÑðÜOn tradingÐÚðõÐðÃðÙð / Minimum - 111.50¡òÏð¨îÃðÙð / Maximum 0.71 11.37ÐÚðõÐðÃðÙð / Minimum 0.07 0.15106

VI ¡ðòçÃð ±ðôÂðãðÄðð / Asset QualityIndustrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)¨î) ±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃð (¥Âð ¡ðøÜ ¡ò±ßÙð, £Ðð ÑðÜ £ÑðòμðÃð ×Úðð¸ð ÃðÆðð ¥Âð ¨÷î ÞÑð Ùð÷ü ×ððüÀð÷ü ¦ãðü òÀ×ð÷üμðÜð÷ü çðòèÃð)a) Non-Performing Asset (Includes Loans & Advances, interest accrued thereon and bonds &debentures in the nature of Loan)(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year(i) òÐðãðâð ¡ò±ßÙðð÷ü ¨îó ÃðôâðÐðð Ùð÷ü òÐðãðâð ¦ÐðÑðó¦ (%)Net NPAs to Net Advances (%) 1.12% 1.01%(ii)¦ÐðÑðó¦ Ùð÷ü £ÃððÜ μðÁÿðãð (çð¨îâð)Movement of NPAs (Gross)(¨î) ÑßðÜüòØð¨î äð÷æð / (a) Opening balance 1115.52 1215.89(®ð) ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð* / (b) Additions during the year* 930.74 1883.20(±ð) ãðæðá ¨÷î ÇðøÜðÐð ¨îÙðó / (c) Reductions during the year 814.40 1983.57(³ð) ¡üòÃðÙð äð÷æð / (d) Closing balance 1231.86 1115.52(iii) òÐðãðâð ¦ÐðÑðó¦ Ùð÷ü £ÃððÜ-μðÁÿðãðMovement of Net NPAs(¨î) ÑßðÜüòØð¨î äð÷æð / (a) Opening balance 563.12 847.49(®ð) ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð* / (b) Additions during the year* 528.37 694.41(±ð) ãðæðá ¨÷î ÇðøÜðÐð ¨îÙðó / (c) Reductions during the year 369.56 978.78(³ð) ¡üòÃðÙð äð÷æð/ (d) Closing balance 721.93 563.12(iv) ¦ÐðÑðó¦ ¨÷î ÑßðãðÏððÐðð÷ü Ùð÷ü £ÃððÜ-μðÁÿðãðMovement of provisions for NPAs(ÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨÷î òâð¦ ÑßðãðÏððÐðð÷ü ¨îð÷ ð÷Àÿ¨îÜ)(excluding provisions on standard assets)(¨î) ÑßðÜüòØð¨î äð÷æð / (a) Opening balance 552.41 368.40(®ð) ãðæðá ¨÷î ÇðøÜðÐð ò¨îÚð÷ ±ðÚð÷ ÑßðãðÏððÐð / (b) Provisions made during the year 528.65 1502.65(±ð) ×ð¾þ¾÷ ®ððÃð÷ Àðâð÷ ±ðÚð÷/ÑðôÐðÜðÈò¨îÃð ¡ðòÏð©Úð ÑßðãðÏððÐð(c) Write-off / write-back of excess provisions 571.13 1318.64(³ð) ¡üòÃðÙð äð÷æð(d) Closing balance 509.93 552.41*ÑðõãðáãðÃðóá `òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð.' çð÷ çðü×ðüòÏðÃð ¦ÐðÑðó¦ çðòèÃð.*includes NPAs pertaining to erstwhile ‘The United Western Bank Ltd.’107

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À®ð) ÑðôÐðçðáÈÜμðÐðð ¨÷î ¡ÏðóÐð ¥Âð ¡ðòçÃðÚðð÷ü ¨îð ×Úðð÷Üðb) Details of Loan Assets subjected to Restructuring(i)(ii)(iii)(iv)âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious YearÑðôÐðçðáÈÜμðÐðð, ÑðôÐðãÚðáãðçÆðð, ÑðôÐð:ãððÃððá ¨÷î ¡ÏðóÐð ¥Âð ¡ðòçÃðÚðð÷ü ¨îó ¨ôîâð Üðòäð- ýçðÙð÷ü çð÷ çðóÀó¡ðÜ ¨÷î ¡ÏðóÐðTotal amount of loan assets subjected to restructuring,rescheduling, renegotiation; 218.54 1601.61- of which under CDR 18.32 802.34ÑðôÐðçðáÈÜμðÐðð, ÑðôÐðãÚðáãðçÆðð, ÑðôÐð:ãððÃððá ¨÷î ¡ÏðóÐð ÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨îó ¨ôîâð Üðòäð- ýçðÙð÷ü çð÷ çðóÀó¡ðÜ ¨÷î ¡ÏðóÐðThe amount of Standard assets subjected to restructuring,rescheduling, renegotiation; 211.63 1532.89- of which under CDR 18.32 763.69ÑðôÐðçðáÈÜμðÐðð, ÑðôÐðãÚðáãðçÆðð, ÑðôÐð:ãððÃððá ¨÷î ¡ÏðóÐð ¡ãðÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨îó ¨ôîâð Üðòäð- ýçðÙð÷ü çð÷ çðóÀó¡ðÜ ¨÷î ¡ÏðóÐðThe amount of Sub-Standard assets subjected torestructuring, rescheduling, renegotiation; 1.15 28.50- of which under CDR 0.00 0.00ÑðôÐðçðáÈÜμðÐðð, ÑðôÐðãÚðáãðçÆðð, ÑðôÐð:ãððÃððá ¨÷î ¡ÏðóÐð çðüòDZÏð ¡ðòçÃðÚðð÷ü ¨îó ¨ôîâð Üðòäð- ýçðÙð÷ü çð÷ çðóÀó¡ðÜ ¨÷î ¡ÏðóÐðThe amount of Doubtful assets subjected to restructuring,rescheduling, renegotiation; 5.76 40.22- of which under CDR 0.00 38.65ò¾ÑÑðÂðó / Note: [(i) = (ii) + (iii) + (iv)]±ð) ÑðôÐðçðáÈÜμðÐðð ¨÷î ¡ÏðóÐð ¦çð¦Ùðýá ¨îó ¥Âð ¡ðòçÃðÚðð÷ü ¨îð ×Úðð÷Üðc) Details of Loan Assets of SMEs subjected to Restructuring(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year(i) ÑðôÐðçðáÈÜμðÐðð ¨÷î ¡ÏðóÐð ¦çð¦Ùðýá ¨îó ¡ðòçÃðÚðð÷ü ¨îó ¨ôîâð Üðòäð [(i)=(ii)+(iii)+(iv)]Total amount of assets of SMEs subjected to restructuring [(i)=(ii)+(iii)+(iv)] 4.46 14.30(ii) ÑðôÐðçðáÈÜμðÐðð ¨÷î ¡ÏðóÐð ¦çð¦Ùðýá ¨îó ÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨îó ÜðòäðThe amount of standard assets of SMEs subjected to restructuring 3.81 10.70(iii) ÑðôÐðçðáÈÜμðÐðð ¨÷î ¡ÏðóÐð ¦çð¦Ùðýá ¨îó ¡ãðÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨îó ÜðòäðThe amount of sub-standard assets of SMEs subjected to restructuring 0.65 3.60(iv) ÑðôÐðçðáÈÜμðÐðð ¨÷î ¡ÏðóÐð ¦çð¦Ùðýá ¨îó çðüòDZÏð ¡ðòçÃðÚðð÷ü ¨îó ÜðòäðThe amount of doubtful assets of SMEs subjected to restructuring 0.00 0.00³ð) ãðæðá ¨÷î ÇðøÜðÐð ¨îðùÜÑðð÷Ü÷¾ ¥Âð ÑðôÐðçðáÈÜμðÐððd) Corporate Debt Restructuring during the year(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Itemsçðü®Úðð / No. Üðòäð / Amount ÃÚðð±ð /SacrificeÙððÐð¨î / Standard 3 18.32 0.00¡ãðÙððÐð¨î / Sub-Standard 0 0.00 0.00çðüòDZÏð / Doubtful 0 0.00 0.00¨ôîâð / Total 3 18.32 0.00108

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)´) ¡ðòçÃð ÑðôÐðçðáÈÜμðÐðð ¨÷î òâð¦ ÑßòÃðØðõòÃð¨îÜÂð /ÑðôÐðòÐðáÙððáÂð ¨üîÑðÐðó ¨îð÷ ×ð÷μðó ±ðýá òãðÄðóÚð ¡ðòçÃðÚðð÷ü ¨÷î ×Úðð÷Ü÷e) Details of financial assets sold to Securitisation/Reconstruction Company for Asset Reconstruction(i)(ii)(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year®ððÃðð÷ü ¨îó çðü®ÚððNo. of accounts 14 8¦çðçðó / ¡ðÜçðó ¨îð÷ ×ð÷μð÷ ±ð¦ ®ððÃðð÷ü ¨îð ¨ôîâð ÙðõâÚð (ÑßðãðÏððÐð ³ð¾ð¨îÜ)Aggregate value (net of provisions) of accounts sold to SC / RC 856.17 190.68(iii) çð¨îâð ÑßòÃðÒîâð / Aggregate consideration 972.75 190.27(iv) ÑðõãðáãðÃðóá ãðæðð÷áÈ Ùð÷ü ¡üÃðòÜÃð ®ððÃðð÷ü ¨÷î çðüÇØðá Ùð÷ü ãðçðõâð ò¨îÚðð ±ðÚðð ¡òÃðòÜ©Ãð ÑßòÃðÒîâðAdditional consideration realised in respect of accountstransferred in earlier years 0.00 0.00(v) òÐðãðâð ×ðèó ÙðõâÚð ÑðÜ çð¨îâð âððØð /èðòÐðAggregate gain / loss over net book value 116.58 (0.41)μð) ÙððÐð¨î ¡ðòçÃðÚðð÷ü ÑðÜ ÑßðãðÏððÐðf) Provision on Standard Assets(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs. in Crore)ÙðÇ÷ü μððâðõ ãðæðá òÑðâðð ãðæðáItemsCurrent YearPrevious YearÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨÷î òâð¦ ÑßðãðÏððÐðProvisions towards Standard Assets 318.84 220.85VII ¨îðÜð÷×ððÜ ¡ÐðôÑððÃðBusiness RatiosÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year(i)(ii)(iii)(iv)(v)(vi)¨îðÚðáäðóâð òÐðòÏðÚðð÷ü ¨÷î ÑßòÃðäðÃð ¨÷î ÞÑð Ùð÷ü ×Úðð¸ð ¡ðÚðInterest income as a percentage to working funds 6.77% 6.51%¨îðÚðáäðóâð òÐðòÏðÚðð÷ü ¨÷î ÑßòÃðäðÃð ¨÷î ÞÑð Ùð÷ü ±ðøÜ-×Úðð¸ð ¡ðÚðNon-interest income as a percentage to working funds 1.10% 1.55%¨îðÚðáäðóâð òÐðòÏðÚðð÷ü ¨÷î ÑßòÃðäðÃð ¨÷î ÞÑð Ùð÷ü ÑðòÜμððâðÐð±ðÃð âððØðOperating profit as a percentage to working funds 0.97% 0.97%¡ðòçÃðÚðð÷ü ÑðÜ ÑßòÃðâððØðReturn on assets 0.67% 0.68%ÑßòÃð ¨îÙðáμððÜó ¨îðÜð÷×ððÜ (¸ðÙðð ÜðòäðÚððü ÃðÆðð ¡ò±ßÙð) (è¸ððÜ Ùð÷ü)Business (deposits plus advances) per employee [in 000’s] 138716 171824ÑßòÃð ¨îÙðáμððÜó âððØð (è¸ððÜ Ùð÷ü)Profit per employee [in 000’s] 844 1245109

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)VIII¡ðòçÃð Ç÷ÚðÃðð Ñß×ðüÏð / Asset Liability Management¡ðòçÃðÚðð÷ü ¡ðøÜ Ç÷ÚðÃðð¡ð÷ü ¨îó ¨ôî ÙðÇð÷ü ¨îó ÑðòÜÑð©ãðÃðð ¡ãðòÏð ¨îð çãðÞÑðMaturity Pattern of certain items of assets & liabilities(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs.in Crore)1 çð÷ 15 çð÷ 29 òÇÐð çð÷ 3 ÙðèóÐð÷ 6 ÙðèóÐð÷ 1 ãðæðá çð÷ 3 ãðæðá çð÷ 5 ãðæðá çð÷ ¨ôîâð14 òÇÐð 28 òÇÐð 3 ÙðèóÐð÷ çð÷ ¡òÏð¨î çð÷ ¡òÏð¨î ¡òÏð¨î ¡ðøÜ ¡òÏð¨î ¡ðøÜ ¡òÏð¨î¡ðøÜ 6 ¡ðøÜ 3 ãðæðá Ãð¨î 5 ãðæðá Ãð¨îÙðèóÐð÷ Ãð¨î 1 ãðæðá Ãð¨î1to 14 15 to 28 29 days Over 3 Over 6 Over 1 Over 3 Over 5daysdays tomonthsmonthsyear years &yearsTotal3 months & up to& up to& up to up to6 months 1 year 3 years 5 years¸ðÙððÜðòäðÚððüDeposits 3976.79 1854.58 7686.85 5225.17 9973.79 12895.15 1185.30 303.28 43100.91¡ò±ßÙðAdvances 3329.81 1154.69 3912.49 2383.09 4283.31 12905.52 8193.11 22745.79 58907.81òÐðãð÷äðInvestments 69.08 696.70 770.05 485.95 803.27 4175.49 2844.96 15829.81 25675.30£ÏððÜ ÜðòäðÚððü*Borrowings * 621.50 966.11 365.47 3081.87 3741.49 11053.70 7076.53 14984.78 41891.45òãðÇ÷äðó ÙðôÍð ¡ðòçÃðÚððüForeign CurrencyAssets 1242.83 98.01 759.32 435.41 2841.67 913.87 381.69 844.25 7517.04òãðÇ÷äðó ÙðôÍð Ç÷ÚðÃðð¦üForeign CurrencyLiabilities 21.91 2.85 918.15 271.95 2474.29 3319.60 225.00 26.78 7260.53* 5270.71 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨÷î ±ððøÂð ×ððüÀð÷ü (¾óÚðÜ II ×ððüÀð÷ü) ¨÷î ¸ðòÜÚð÷ ¸ðô¾ðÚðó ±ðÚðó Ñðõü¸ðó çðòèÃð.* Includes capital raised through Subordinated Bonds (Tier II Bonds) of Rs.5270.71 Crore.IX çðüãð÷ÇÐðäðóâð êð÷ëðð÷ü ¨îð÷ ¥ÂðLending to Sensitive Sectors¨î) çðüÑðÇð êð÷ëð ¨îð÷ ¥Âð çðèðÚðÃðða) Exposure to Real Estate Sector(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs.in Crore)å÷Âðó / Category μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year¨î) ÑßÃÚðêð çðèðÚðÃðða) Direct exposure(i) ¡ðãððçðóÚð ×ðüÏð¨î -Residential Mortgages –¡ðãððçðóÚð çðüÑðòÄð, ¸ðð÷ £ÏððܨîÃððá ¨÷î ¨î׸ð÷ Ùð÷ü èø/èð÷±ðó Úðð ò¨îÜðÚð÷ ÑðÜ Çó ±ðýá èø,ÑðÜ ×ðüÏð¨î ÎðÜð ÑðõÂðáÃð: ÑßòÃðØðõÃð ¥ÂðLendings fully secured by mortgages on residential propertythat is or will be occupied by the borrower or that is rented 9256.19 7399.44£ÑðÚðôá©Ãð Ùð÷ü çð÷ ãÚðò©ÃðÚðð÷ü ¨îð÷ 15 âðð®ð ÝÑðÚð÷ Ãð¨î ¨÷î ¥ÂðOf above individual having loans upto Rs.15 lakh 4418.36 3898.93110

(ii) ãððòÂðò¸Úð¨î çðüÑðÇð êð÷ëð -Commercial Real Estate –Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)ãððòÂðò¸Úð¨î çðüÑðÇð êð÷ëð ÑðÜ ×ðüÏð¨î ÎðÜð ÑßòÃðØðõÃð ¥ÂðLendings secured by mortgages on commercial real estates 2130.89 741.42£ÑðÚðôá©Ãð Ùð÷ü çð÷ ±ðøÜ-òÐðòÏð ¡ðÏððòÜÃð çðóÙðð¦üOf above non-fund based (NFB) limits; äðõÐÚð / Nil äðõÐÚð / Nil(iii)×ðüÏð¨î çðÙðòÆðáÃð ÑßòÃðØðõòÃðÚðð÷ü (¦Ùð×ðó¦çð) Ùð÷ü òÐðãð÷äð ÃðÆðð ¡ÐÚð ÑßòÃðØðõòÃð¨öîÃð ¥Âð çðèðÚðÃððInvestments in Mortgage Backed Securities (MBS) andother securitised exposures –¨î. ¡ðãððçðóÚða. Residential 41.62 äðõÐÚð / Nil®ð. ãððòÂðò¸Úð¨î çðüÑðÇð êð÷ëðb. Commercial Real Estate 0.00 äðõÐÚð / Nil®ð) ¡ÑßÃÚðêð ¥Âð çðèðÚðÃððb) Indirect Exposure 2368.90 1912.30¨ôîâð / Total 13797.60 10053.16®ð) Ñðõü¸ðó ×ðð¸ð«ðÜ Ùð÷ü òÐðãð÷äðb) Exposure to Capital Market(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs.in Crore)ÙðÇ÷ü / Items μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious Year(i)(ii)(iii)(iv)(v)ýò©ãð¾ó äð÷ÚðÜð÷ü Ùð÷ü ò¨îÚðð ±ðÚðð òÐðãð÷äðInvestments made in equity shares 1992.17 1193.14×ððüÀð÷ü/ÑðòÜãðÃðáÐðóÚð òÀ×ð÷üμðÜð÷ü Ùð÷ü òÐðãð÷äðInvestments in bonds/convertible debentures 1.03 71.31ýò©ãð¾ó-£ÐÙðô®ð ÙÚðõμðô¡âð ÒüîÀð÷ü ¨÷î ÚðõòÐð¾ð÷ü/ãðóçðó¦Òî ÒüîÀð÷ü Ùð÷ü òÐðãð÷äðInvestments in units of equity-oriented mutual funds /VCF funds 194.93 7.00ýò©ãð¾ó äð÷ÚðÜð÷ü (¡ðýáÑðó¡ð÷/ýáçððùÑð çðòèÃð), ×ððüÀð÷ü ÃðÆðð òÀ×ð÷üμðÜð÷ü, ýò©ãð¾ó-£ÐÙðô®ðÙÚðõμÚðô¡âð ÒüîÀð÷ü ¨÷î ÚðõòÐð¾ð÷ü Ùð÷ü òÐðãð÷äð ¨÷î òâð¦ ãÚðò©ÃðÚðð÷ü ¨îð÷ äð÷ÚðÜð÷ü ¨÷î òâ𦠡ò±ßÙðAdvances against shares to individuals for investment in equityshares (including IPOs/ESOPS), bonds and debentures, units ofequity oriented mutual funds 248.13 72.33ç¾ðù¨î ×ßð÷¨îÜð÷ü ¨îð÷ ÑßòÃðØðõÃð ÃðÆðð ¡ÑßòÃðØðõÃð ¡ò±ßÙð ¡ðøÜ ç¾ðù¨î ×ßð÷¨îÜð÷ü ÃðÆððÙðð¨÷áî¾ Ùð÷¨îÜð÷ü ¨îó ¡ð÷Ü çð÷ ¸ððÜó ±ððÜüò¾ÚððüSecured and unsecured advances to stockbrokers andguarantees issued on behalf of stockbrokers and market makers 163.50 134.55Ñðõü¸ðó ×ðð¸ððÜ Ùð÷ü ¨ôîâð òÐðãð÷äð (i)+(ii)+(iii)+(iv)+(v)Total Exposure to Capital Market (i)+(ii)+(iii)+(iv)+(v) 2599.76 1478.33(vi) ¤ÑðÜ (v) Ùð÷ü çð÷, ç¾ðù¨î ×ßð÷¨îÜð÷ü ¨îð÷ Ùððò¸ðáÐð ¾à÷òÀü±ð ¨÷î òâð¦ ÑßÇðÐð ò¨îÚðð ±ðÚðð ¨ôîâð òãðÄð äðõÐÚð äðõÐÚðOf (v) above, the total finance extended to stockbrokers for margin trading NIL NIL111

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)±ð) ¸ðð÷ò®ðÙð å÷Âðó-ãððÜ Ç÷äð ¨îð÷ ¥Âð çðèðÚðÃððc) Risk Category-wise Country Exposure(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs.in Crore)¸ðð÷ò®ðÙð å÷Âðó* 31 Ùððμðá 2007 ¨îð÷ 31 Ùððμðá 2007 31 Ùððμðá 2006 ¨îð÷ 31 Ùððμðá 2006¥Âð çðèðÚðÃðð (òÐðãðâð) ¨îð÷ ÏððòÜÃð ÑßðãðÏððÐð ¥Âð çðèðÚðÃðð (òÐðãðâð) ¨îð÷ ÏððòÜÃð ÑßðãðÏððÐðRisk Category*ExposureProvision heldExposureProvision(net) as atas at(net) as atheld as atMarch 31, 2007 March 31, 2007 March 31, 2006 March 31, 2006Ðð±ðÂÚð / Insignificant 257.48 253.66 0òÐðÙÐð / Low 14.63 77.10 0ÙðÏÚðÙð / Moderate 16.13 10.27 0£μμð / High 2.78 0×ðèôÃð £μμð / Very High 1.00 0òÐðÚðüòëðÃð / Restricted 0.43 0¡ðùÒî-ª÷îòÀ¾ / Off-credit 0.00 0¨ôîâð / Total 288.24 0 345.24 0Xòãðãð÷¨îÑðõÂðá ¥Âð çðèðÚðÃðð çðóÙðð¦üPrudential Exposure Limits31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î ÇðøÜðÐ𠦨îâð £ÏððܨîÃððá¡ð÷ü ÃðÆðð çðÙðõè £ÏððܨîÃððá¡ð÷ü ¨îð÷ Çó ±ðÚðó ×ðøÈ¨î ¨îó ¥Âð çðèðÚðÃðð òܺðãðá ×ðøȨî ÎðÜðòÐðÏððáòÜÃð òãðãð÷¨îÑðõÂðá ¥Âð çðèðÚðÃðð çðóÙðð¡ð÷ü ¨÷î ØðóÃðÜ ÆðóÈ, òçðãððÚð 6 ÙððÙðâðð÷ü ¨÷î, ò¸ðÐð¨îð÷ òÐðÇ÷äð¨î ÙðüÀâð ¨÷î ¡ÐðôÙðð÷ÇÐð çð÷ 15% ¨îó ¦¨îâð£ÏððܨîÃððá çðóÙðð çð÷ ¡òÏð¨î çðèðÚðÃðð Çó ±ðÚðó Æðó ¡ðøÜ 1 ÙððÙðâð÷ Ùð÷ü ò¸ðçð¨îð÷ 40% ¨îó çðÙðõè £ÏððܨîÃððá çðóÙðð çð÷ ¡òÏð¨î ¨îó çðèðÚðÃðð Çó ±ðÚðóÆðó. ýÐð ÙððÙðâðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü 31 Ùððμðá 2007 ¨îð÷ Ùðü¸ðõÜ çðóÙðð¦ü ÃðÆðð ×ð¨îðÚðð ÜðòäðÚððü (±ðøÜ-òÐðòÏð¨î ¥Âð çðèðÚðÃðð çðòèÃð) òÐðÙÐðòâðò®ðÃð Æðóüü:During the year ended March 31, 2007, the Bank’s exposure to single borrowers and group borrowers werewithin the prudential exposure limits prescribed by RBI, except in 6 cases where single borrower limit of 15%was exceeded, and in 1 case where group borrower limit of 40% was exceeded, with the approval of the Boardof Directors. In respect of these cases, the sanctioned limits and outstanding (including non-funded exposure)were as follows, as on March 31, 2007:¦¨îâð / çðÙðõè £ÏððܨîÃððá ¨îð ÐððÙð 31 Ùððμðá 2006 ¨îð÷ Ñðüõ¸ðó òÐðòÏð 31 Ùððμðá 2006 ¨îð÷ Ñðüõ¸ðó¨÷î % ¨÷î ÞÑð Ùð÷ü 31 Ùððμðá 2007 òÐðòÏð ¨÷î % ¨÷î ÞÑð Ùð÷ü 31¨îð÷ Ùðü¸ðõÜ çðóÙðð¦ü Ùððμðá 2007 ¨îð÷ ×ð¨îðÚððName of the single borrower/ groupSanctioned limitsOutstanding as onas on March 31, 2007, asMarch 31, 2007, as% of Capital Fund as % of Capital Fund ason March 31, 2006 on March 31, 2006(i) ¦¨îâð £ÏððܨîÃððá ¨îð ÐððÙð/Name of the single borrowerýçÑððÃð ýüÀç¾àó¸ð òâð./Ispat Industries Ltd. 25.70 25.70ÜÃÐððò±ðÜó ±ðøçð ¦üÀ ÑðùðãðÜ ¨üî. òâð.Ratnagiri Gas & Power Co. Ltd. 22.81 21.94¦ççððÜ ¡ðùÚðâð òâð. / Essar Oil Ltd. 16.94 16.94ýÓÒî¨îð÷/IFFCO 15.81 3.58ýüòÀÚðÐð ¡ðùÚðâð ¨îðùÜÑðð÷Ü÷äðÐð òâð./Indian Oil Corporation Ltd. 14.56 14.56òÜâððÚðüçð Ñð÷¾àð÷òâðÚðÙð òâð./Reliance Petroleum Ltd. 13.64 11.35(ii) çðÙðõè ¨îð ÐððÙð/Name of the groupòÜâððÚðüçð (Ùðô¨÷îäð Àó. ¡ü×ððÐðó çðÙðõè)Reliance ( Mukesh D.Ambani Group ) 43.18 34.54112

Industrial Development Bank of India Limitedâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)XIòãðÄð âðóºð âð÷ÐðÇ÷Ðð (1 ¡Ñßøâð 2001 ¨îð÷ Úðð £çð¨÷î ×ððÇ ò¨îÚð÷ ±ðÚð÷, ¡ò±ßÙðð÷ü Ùð÷ü äððòÙðâð)Finance lease transactions (entered into on or after April 1, 2001, included in Advances)(¨î) çð¨îâð òÐðãð÷äð ¡ðøÜ ÑßðÑÚð ÐÚðõÐðÃðÙð âðóºð Øðô±ðÃððÐðð÷ü ¨÷î ãðÃðáÙððÐð ÙðõâÚð ¨îð òÙðâððÐð(a) Reconciliation of gross investment and present value of minimum lease payments receivable.(ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs.in Crore)òãðãðÜÂð 31 Ùððμðá 2007 ÑðòÜÑð©ãðÃðð Ñßð÷Òîðýâð / Maturity profile¨îð÷ äð÷æðParticularsBalanceas at 1 ãðæðá çð÷ 5 ãðæðá 5 ãðæðá çð÷ ¡òÏð¨îMarch 1 ãðæðá çð÷ ¨îÙð ¨÷î ×ðóμð31, 2007 Less thanBetweenMore than1 year 1 to 5 years 5 years×ð¨îðÚðð çð¨îâð òÐðãð÷äðGross investment outstanding 6.83 3.30 3.53 –¡Ððò¸ðáÃð òãðÄð ¡ðÚðUnearned finance income (0.56) (0.39) (0.17) –×ð¨îðÚðð ÐÚðõÐðÃðÙð âðóºð Øðô±ðÃððÐðð÷ü ¨îð ãðÃðáÙððÐð ÙðõâÚðPresent value of minimum leasepayments outstanding 6.27 2.91 3.36 –(®ð) 31 Ùððμðá 2007 ¨îð÷ ¡Ððò¸ðáÃð òãðÄð ¡ðÚð 0.56 ¨îÜð÷Àÿ ÝÑðÚð÷ èø.(b) Unearned finance income as at March 31, 2007 is Rs.0.56 cr.(±ð) ¨îð÷ýá ±ððÜü¾óÜòèÃð äð÷æð ÙðõâÚð ×ðøÈ¨î ¨÷î âððØððÆðá £ÑðòμðÃð ÐðèóÈ èø.(c) There are no unguaranteed residual values accruing to the benefit of the Bank.(³ð) ¨îð÷ýá ¡ãðçðõâðÐðóÚð ÐÚðõÐðÃðÙð âðóºð Øðô±ðÃððÐð ÑßðÑÚð ÐðèóÈ èø.(d) There are no uncollectable minimum lease payments receivable.(´) 31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ¡ãðòÏð ¨÷î ÇðøÜðÐð âððØð-èðòÐð ®ððÃð÷ Ùð÷ü ò¨îçðó ¡ð¨îòçÙð¨î ò¨îÜðÚð÷ ¨îó ±ðÂðÐðð ÐðèóÈ ¨îó ±ðýá èø.(e) No contingent rent has been recognised in the profit and loss account for the period ended March 31, 2007(μð) ×ðøȨî Ðð÷ £ÑðÚðôá©Ãð âðóºð âð÷ÐðÇ÷Ððð÷ü ¨÷î ¡üÃð±ðáÃð ¨üîÑÚðõ¾Üð÷ü ¨îð òãðÄðÑðð÷æðÂð ò¨îÚðð èø.(f) The bank has financed computers under the above lease transactions.XII âððØð-èðòÐð âð÷®ð÷ Ùð÷ü ãÚðÚð äðóæðá ¨÷î ¡ÐÃð±ðáÃð Çäððᦠ±ðÚð÷ ‘ÑßðãðÏððÐðð÷ü ¦ãðü ¡ð¨îòçÙð¨îÃðð¡ð÷ü‘ ¨îð ×Úðð÷ÜðBreak up of 'Provisions and Contingencies' shown under the head Expenditure in Profit & Loss Account:( ÝÑðÚð÷ ¨îÜð÷Àÿ Ùð÷ü / Rs.in Crore)òãðãðÜÂð / Particulars μððâðõ ãðæðá òÑðâðð ãðæðáCurrent YearPrevious YearòÐðãð÷äð ÑðÜ ÙðõâÚðã¸çð ¨÷î òâð¦ ÑßðãðÏððÐð / Provisions for depreciation on Investment (11.40) 38.73±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃð ¨÷î òâð¦ ÑßðãðÏððÐð / Provision towards NPA 139.24 131.69ÙððÐð¨î ¡ðòçÃð ¨÷î òâð¦ ÑßðãðÏððÐð / Provision towards Standard Asset 84.10 35.59¡ðÚð / ¡ðçÆðò±ðÃð / ÏðÐð / òÔüî¸ð ×ð÷òÐðòÒî¾ ¨îÜ ¨÷î òâð¦ ò¨î¦ ±ð¦ ÑßðãðÏððÐðProvision made towards Income/ Deferred / Wealth / Fringe Benefit Tax 52.31 27.46¡ÐÚð ÑßðãðÏððÐð ¦ãðü ¡ð¨îòçÙð¨îÃðð¦ü / Other Provision and Contingencies 12.09 6.50¨ôîâð / Total 276.34 239.97113

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷Àâð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó) / Schedules forming part of Accounts (Contd.)XIII òäð¨îðÚðÃðð÷ü/ ¡òÏðòÐðÂðáÚðð÷ü ¨îð Ñߨî¾ÐðDisclosure of Complaints/AwardsA. ±ßðè¨îð÷ü ¨îó òäð¨îðÚðÃð÷üCustomer Complaints(¨î) ãðæðá ¨÷î ÑßðÜüØð Ùð÷ü òäð¨îðÚðÃðð÷ü ¨îó çðü.(a) No. of Complaints at the beginning of the year 109(®ð) ãðæðá ¨÷î ÇðøÜðÐð ÑßðÑÃð òäð¨îðÚðÃðð÷ü ¨îó çðü.(b) No. of Complaints received during the year 9124(±ð) ãðæðá ¨÷ ÇðøÜðÐð òÐðÑð¾ðýá ±ðÚðó òäð¨îðÚðÃðð÷ü ¨îó çðü.(c ) No. of Complaints redressed during the year 9068(³ð) ãðæðá ¨÷ ¡üÃð Ùð÷ü âðüò×ðÃð òäð¨îðÚðÃðð÷ü ¨îó çðü.(d) No. of Complaints pending at the end of the year 165¡ð. ×ðøÈò¨üî±ð âðð÷¨îÑððâð ÎðÜð ÑððòÜÃð ¡òÏðòÐðÂðáÚðB. Awards passed by the Banking Ombudsman(¨î) ãðæðá ¨÷î ÑßðÜüØð Ùð÷ü ¡¨îðÚððáòÐãðÃð ¡òÏðòÐðÂðáÚðð÷ü ¨îó çðü.(a) No. of unimplemented awards at the beginning of the year 1(®ð) ãðæðá ¨÷î ÇðøÜðÐð ×ðøÈò¨üî±ð âðð÷¨îÑððâð ÎðÜð òÇÚð÷ ±ðÚð÷ ¡òÏðòÐðÂðáÚðð÷ü ¨îó çðü.(b) No. of Awards passed by the Banking Ombudsmen during the the year 1(±ð) ãðæðá ¨÷ ÇðøÜðÐð ¨îðÚððáòÐãðÃð ¡òÏðòÐðÂðáÚðð÷ü ¨îó çðü.(c ) No. of Awards implemented during the year 2(³ð) ãðæðá ¨÷ ¡üÃð Ùð÷ü ¡¨îðÚððáòÐãðÃð ¡òÏðòÐðÂðáÚðð÷ü ¨îó çðü.(d) No.of unimplemented Awards at the end of the year 0114

Industrial Development Bank of India Limited31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨îð Ðð¨îÇó Ñßãððè òãðãðÜÂð[ç¾ðù¨î ¦©çðμð÷ü¸ð ¨÷î çðõμðó×ðÊÃðð ¨îÜðÜ ¨÷î ¡ÐðôçðÜÂð Ùð÷ü]CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2007[Pursuant to the Listing Agreement with Stock Exchanges](ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)ÑðòÜμððâðÐð ¨îðÚðá¨îâððÑðð÷ü çð÷ Ðð¨îÇó ÑßãððèCash flow from Operating Activities31 Ùððμðá 2007* 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá¨îð÷ çðÙððÑÃð ãðæðáYear endedYear ended31-Mar-07*31-Mar-06¨îÜ ¡ðøÜ ¡çððÏððÜÂð ÙðÇð÷ü çð÷ Ñðõãðá òÐðãðâð âððØðNet profit before tax and extra-ordinary items 682 62 29 588 34 74òÐðÙÐð ¨÷î òâð¦ çðÙððÚðð÷¸ðÐðAdjustments for– ¡μðâð ¡ðòçÃðÚðð÷ü ¨îó ò×ðªîó çð÷ (âððØð)/èðòÐð (òÐðãðâð)(Profit) / Loss on sale of Fixed Assets ( Net ) (178 62 27) (6 34 90)– ÙðõâÚðãðçð / Depreciation 121 99 51 143 54 77– ¥Âðð÷ü /òÐðãð÷äðð÷ü ¨÷î òâð¦ ÑßðãðÏððÐð / ×ð¾þ¾÷ ®ððÃð÷ ÀðâðÐðð ÃðÆðð ¡ÐÚð ÑßðãðÏððÐðProvisions/Write off of Loans/Investments & other provisions 224 02 34 (212 51 34)– ãðó¡ðܦçð ãÚðÚð (òÐðãðâð)VRS Expenses incurred (net) 13 74 95 (13 96 12)– ç¾ðÒî ¨îâÚððÂð ãÚðÚðStaff welfare Expenses (1 15 97)–––––––––––––––––( 92 50)–––––––––––––––––862 60 85 498 14 64––––––––––––––––– –––––––––––––––––òÐðÙÐð Ùð÷üü (ãðöòÊ)/ ¨îÙðó ¨÷î òâð¦ çðÙððÚðð÷¸ðÐðAdjustments for (increase)/decrease in– òÐðãð÷äðInvestments (313 38 68) (295 83 43)– ¡ò±ßÙðAdvances (10045 17 72) (7112 98 58)– ¡ÐÚð ¡ðòçÃðÚððüOther Assets (1750 74 69) 276 98 18òÐðÙÐð Ùð÷üü ãðöòÊ/ (¨îÙðó) ¨÷î òâð¦ çðÙððÚðð÷¸ðÐðAdjustments for increase/(decrease) in– £ÏððÜ ÜðòäðÚððüBorrowings (5125 83 01) (2475 33 83)– ¸ðÙððÜðòäðÚððüDeposits 17353 12 51 10898 27 80– ¡ÐÚð Ç÷ÚðÃðð¦ü ¦ãðü ÑßðãðÏððÐðOther liabilities and provisions (636 71 41) (1627 76 29)– ¨îÜð÷ü ¨îð Øðô±ðÃððÐð (òÐðãðâð)Payment of taxes ( Net ) (143 24 42) (266 72 38)––––––––––––––––– –––––––––––––––––ÑðòÜμððâðÐð ¨îðÚðá¨îâððÑðð÷ü Ùð÷üü ÑßÚðô©Ãð / çð÷ £ÃÑðÐÐð òÐðãðâð Ðð¨îÇóNet Cash used in/generated from Operating activities 200 63 42 (105 23 89)––––––––––––––––– –––––––––––––––––òÐðãð÷äð ¨îðÚðá¨îâððÑðð÷ü çð÷ Ðð¨îÇó ÑßãððèCash Flow from Investing activities– ¡μðâð ¡ðòçÃðÚðð÷ü ¨îó ®ðÜóÇ / ¨÷î òâ𦠡ò±ßÙð (òÐðãðâð)Purchase of/Advance towards fixed assets ( Net ) 153 07 29 (58 68 16)––––––––––––––––– –––––––––––––––––òÐðãð÷äð ¨îðÚðá¨îâððÑðð÷ü Ùð÷ü ÑßÚðô©Ãð / çð÷ ¸ðô¾ðýá ±ðýá òÐðãðâð Ðð¨îÇóNet cash used in / raised from Investing activities 153 07 29–––––––––––––––––(58 68 16)––––––––––––––––115

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)31 Ùððμðá 2007* 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá¨îð÷ çðÙððÑÃð ãðæðáYear endedYear ended31-Mar-07*31-Mar-06òãðÄð Ñðð÷æðÂð ¨îðÚðá¨îâððÑðð÷ü çð÷ Ðð¨îÇó ÑßãððèCash Flow from Financing activities– ýò©ãð¾ó äð÷ÚðÜð÷ü ¨îð òÐð±ðáÙðIssue of Equity Shares 2 58 60 8 85 48– ±ððøÂð ¥Âð ¨îð òÐð±ðáÙð (¨îó ±ðýá μðô¨îðøòÃðÚðð÷ü ¨îð÷ ³ð¾ð¨îÜ)Issue of subordinated debt ( Net of repayments made ) 1466 36 11 (73 48 00)– ÑßÇÄð âððØððüäð ÃðÆðð âððØððüäð ¨îÜDividend and dividend tax paid (123 79 60) (61 83 35)– ÚðõÀ×âÚðõ×ðó ¨÷î çðÙððÙð÷âðÐð ¨÷î òâð¦ òÐðãðâð ÜðòäðNet Consideration for amalgamation of UWB (150 55 01) -––––––––––––––––– –––––––––––––––––òãðÄðÑðð÷æðÂð ¨îðÚðá¨îâððÑðð÷ü Ùð÷ü ÑßÚðô©Ãð / çð÷ ¸ðô¾ðýá ±ðýá òÐðãðâð Ðð¨îÇóNet cash used in / raised from Financing activities 1194 60 10 (126 45 87)––––––––––––––––– –––––––––––––––––Ðð¨îÇó ¡ðøÜ Ðð¨îÇó çðÙðÃðôâÚð Ùð÷ü òÐðãðâð ãðöòÊ / (¨îÙðó)NET INCREASE/(DECREASE) IN CASH & CASH EQUIVALENTS 1548 30 81 (290 37 92)ÑßðÜüòØð¨î Ðð¨îÇó ¡ðøÜ Ðð¨îÇó çðÙðÃðôâÚðOPENING CASH & CASH EQUIVALENTS 5362 78 14 5653 16 06¡üòÃðÙð Ðð¨îÇó ¡ðøÜ Ðð¨îÇó çðÙðÃðôâÚð––––––––––––––––– –––––––––––––––––CLOSING CASH & CASH EQUIVALENTS 6911 08 95 5362 78 14============= =============ò¸ðÐðÙð÷ü çð÷, èðÆð Ùð÷ü Ðð¨îÇó/of which Cash in Hand 211 04 28 117 55 80òܸðãðá ×ðøÈ¨î ¡ðøÜ ¡ÐÚð ×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð Üðòäð/Balance with RBI and other Banks 6700 04 67 5245 22 34* 3 ¡©Ãðõ×ðÜ, 06 çð÷ ÚðõÀ×âÚðô×ðó ¨÷î çðÙððÙð÷âðÐð ¨÷î ÑßØððãð ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ .* After taking into consideration the impact of the UWB merger with effect from 3rd Oct., 06.òÑðâðó ¡ãðòÏð Ùð÷ü ¡ðü¨îÀÿð÷ü ¨îð÷ ¸ðèðü ¨îèóÈ ¡ðãðäÚð¨î çðÙð»ðð ±ðÚðð, çðÙðõòèÃð ò¨îÚðð ±ðÚðð èø.Figures for the previous period have been regrouped, whenever considered necessary.×ðð÷Àá ¨÷î ¡ðÇ÷äððÐðôçððÜBY ORDER OF THE BOARD(¨÷î. ÐðÜòçðÙè ÙðõòÃðá) (¡ð÷. ãðó. ×ðôÐÇ÷âðõ) (ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð) (ãðó. Ñðó. äð÷¾þ¾ó)(K. Narasimha Murthy) (O.V. Bundellu) (Jitender Balakrishnan) (V. P. Shetty)òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îDirector Dy. Managing Director Dy. Managing Director Chairman & Managing Director¡ð¸ð ¨îó ÃððÜó®ð ¨îó èÙððÜó çðüâð±Ðð òÜÑðð÷¾á ¨÷î ¡ÐðôçððÜAs per our report attached of even date¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨üî.For Khimji Kunverji & Co.çðÐðÇó âð÷®ðð¨îðÜChartered Accountants¨öîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðFor Suresh Chandra & AssociatesçðÐðÇó âð÷®ðð¨îðÜChartered Accountants(òäðãð¸ðó ¨÷î. òãð¨îÙðçðó) (ãð÷Ç Ñߨîðäð ×ðüçðâð) (¦âð. Ñðó. ¡±ßãððâð)(Shivji K. Vikamsey) (Ved Prakash Bansal) (L. P. Aggarwal)çðð»ð÷ÇðÜ çðð»ð÷ÇðÜ ¨îðùÜÑðð÷Ü÷¾ ÑßÙðô®ð - òãðÄðóÚð ¡òÏð¨îðÜóPartner Partner Corporate Head - Financial OfficerçðÇçÚðÃðð çðü. 2242 çðÇçÚðÃðð çðü. 500369Membership No. 2242 Membership No. 500369Ùðôü×ðýá, 20 ¡Ñßøâð 2007Mumbai, April 20, 2007116

ÑßòÃðòÐðÇ÷äð¨î ÙðüÀâðýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚððòâðòÙð¾÷ÀIndustrial Development Bank of India LimitedToThe Board of DirectorsIndustrial Development Bank of IndiaLimited1. èÙðÐð÷ ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚððòâðòÙð¾÷À (×ðøȨî) ¡ðøÜ ýçð¨îó çðèðÚð¨î çðüçÆðð¡ð÷ü ÃðÆððçðüÚðô©Ãð £ÌðÙðð÷ü ¨÷î 31 Ùððμðá 2007 ¨÷î çðüâð±Ðð çðÙð÷ò¨îÃðÃðôâðÐð-Ñðëð ÃðÆðð £çð ÃððÜó®ð ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î òâð¦çðÙð÷ò¨îÃð âððØð-èðòÐð âð÷®ð÷ ÃðÆðð çðÙð÷ò¨îÃð Ðð¨îÇó ÑßãððèòãðãðÜÂð ¨îó âð÷®ðð ÑðÜóêðð ¨îó èø. ýÐð òãðÄðóÚð òãðãðÜÂðð÷ü¨÷î òâð¦ ×ðøÈ¨î ¨îð Ñß×ðüÏðÐð £ÄðÜÇðÚðó èø ¡ðøÜ ýÐè÷ü Ñß×ðüÏðÐðÎðÜð ¡âð±ð òãðÄðóÚð òãðãðÜÂðð÷ü ÃðÆðð ³ð¾¨îð÷ü çð÷ çðü×ðüòÏðÃð¡ÐÚð òãðÄðóÚð ¸ððÐð¨îðÜó ¨÷î ¡ðÏððÜ ÑðÜ ÃðøÚððÜ ò¨îÚðð ±ðÚððèø. èÙððÜó ò¸ðÙÙð÷ÇðÜó èÙððÜ÷ ÎðÜð ¨îó ±ðýá âð÷®ðð ÑðÜóêðð¨÷î ¡ðÏððÜ ÑðÜ ýÐð òãðÄðóÚð òãðãðÜÂðð÷ü ÑðÜ ¡ÑðÐðó ÜðÚð Ç÷Ðððèø.2. èÙðÐð÷ Úðè âð÷®ðð ÑðÜóêðð ØððÜÃð Ùð÷ü çððÙððÐÚðÃðÚðð ÙððÐÚð âð÷®ððÑðÜóêðð ÙððÐð¨îð÷ü ¨÷î ¡ÐðôçððÜ ¨îó èø. ýÐð ÙððÐð¨îð÷ü Ùð÷ü Úðè¡Ñð÷òêðÃð èø ò¨î èÙð ¡ÑðÐðó âð÷®ðð ÑðÜóêðð ¨îð÷ ýçð ÑߨîðÜòÐðÚðð÷ò¸ðÃð ¡ðøÜ òÐðæÑððòÇÃð ¨îÜ÷ü ò¨î Ãð¨áîÑðõÂðá ÞÑð çð÷ ÚðèçðôòÐðòäμðÃð ò¨îÚðð ¸ðð çð¨÷î ò¨î òãðÄðóÚð òãðãðÜÂð çðØðóÙðèÃãðÑðõÂðá ÙððÙðâðð÷ü Ùð÷ü ¡òØðòÐðÏððáòÜÃð òãðÄðóÚð òÜÑðð÷ò¾áȱð Áðüμð÷¨÷î ¡ÐðôçððÜ ÃðøÚððÜ ò¨îÚð÷ ±ðÚð÷ èøÈ ¡ðøÜ ýÐðÙð÷ü ¨îð÷ýá ÙðèÃãðÑðõÂðá¸ððÐð¨îðÜó ØßðÙð¨î ÐðèóÈ èø. âð÷®ðð ÑðÜóêðð Ùð÷ü òãðÄðóÚð òãðãðÜÂðð÷üÙð÷ü ÜðòäðÚðð÷ü ¦ãðü Ñߨî¾ó¨îÜÂð ¨îð÷ ÑßÙððòÂðÃð ¨îÜÐð÷ ãððâð÷çððêÚðð÷ü ¨îó ÑðÜóêðÂð ¡ðÏððÜ ÑðÜ ¸ððüμð ¨îÜÐðð äððòÙðâð èø.âð÷®ðð ÑðÜóêðð ¨÷î ¡üÃð±ðáÃð ÑßÚðô©Ãð âð÷®ðð¨üîÐð òçðÊðÐÃðð÷ü ¦ãðüÑß×ðüÏðÐð ÎðÜð ò¨îÚð÷ ±ðÚð÷ ÙðèÃãðÑðõÂðá ¡ÐðôÙððÐðð÷ü ¨îð ¡ð¨îâðÐðçððÆð èó çðÙð±ß òãðÄðóÚð òãðãðÜÂðð÷ü ¨÷î ÑßçÃðôÃðó¨îÜÂð ¨îðÙðõâÚððü¨îÐð ¨îÜÐðð Øðó äððòÙðâð èø. èÙð÷ü òãðäãððçð èø ò¨îèÙððÜ÷ ÎðÜð ¨îó ±ðýá âð÷®ðð ÑðÜóêðð èÙððÜ÷ ¡òØðÙðÃð ¨÷î òâ𦦨î Ãð¨áîçðü±ðÃð ¡ðÏððÜ ÑßÇðÐð ¨îÜÃðó èø.1. We have audited the attached ConsolidatedBalance Sheet of Industrial Development Bankof India Limited (the Bank) and its Subsidiariesand its Joint Venture as at March 31, 2007, theConsolidated Profit and Loss Account and theConsolidated Cash Flow statement for theyear ended on that date annexed thereto.These financial statements are the responsibilityof the Bank’s management and have beenprepared by the management on the basis ofseparate financial statements and other financialinformation regarding components. Ourresponsibility is to express an opinion onthese financial statements based on our audit.2. We conducted our audit in accordance withgenerally accepted auditing standards in India.Those Standards require that we plan andperform the audit to obtain reasonableassurance about whether the financialstatements are prepared, in all material respectsin accordance with an identified financialreporting framework and are free of materialmisstatement. An audit includes examining ona test basis, evidence supporting the amountsand disclosures in the financial statements. Anaudit also includes assessing the accountingprinciples used and significant estimates madeby management, as well as evaluating theoverall financial statement presentation. Webelieve that our audit provides a reasonablebasis for our opinion.117

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À3. ýÐð çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü (çðó¦Òî¦çð) Ùð÷ü 31 Ùððμðá2007 ¨îð÷ 2714.54 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨îó ¡ðòçÃðÚððü ¡ðøÜ £çðÃððÜó®ð ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î òâð¦ 234.52 ¨îÜð÷Àÿ ÝÑðÚð÷¨îó ¡ðÚð ÃðÆðð 227.93 ¨îÜð÷Àÿ ÝÑðÚð÷ ¨î÷ òÐðãðâð Ðð¨îÇóÑßãððè äððòÙðâð èøü ò¸ðÐð¨îó èÙððÜ÷ ÎðÜð çðüÚðô©Ãð ÞÑð çð÷ âð÷®ððÑðÜóêðð ÐðèóÈ ¨îó ±ðÚðó èø. ýÐð òãðÄðóÚð òãðãðÜÂðð÷ü ¨îó âð÷®ððÑðÜóêðð ¡ÐÚð âð÷®ðð ÑðÜóêð¨îð÷ü ÎðÜð ¨îó ±ðýá èø ¡ðøÜ £Ðð¨îóòÜÑðð÷¾á èÙð÷ü ÑßçÃðôÃð ¨îó ±ðýá èøÈ ÃðÆðð ¸ðèðü Ãð¨î ýÐð çðèðÚð¨îçðüçÆðð¡ð÷ü çð÷ çðü×ðüòÏðÃð äððòÙðâð ÜðòäðÚðð÷ü ¨îð çðü×ðüÏð èø èÙððÜðÙðÃð ÑðõÂðáÃð: £Ðð çðü×ðüòÏðÃð âð÷®ðð ÑðÜóêð¨îð÷ü ¨îó òÜÑðð÷¾á ÑðÜ¡ðÏððòÜÃð èø.4. èÙð òÜÑðð÷¾á ¨îÜÃð÷ èøÈ ò¨î ×ðøȨî ÎðÜð çðÙð÷ò¨îÃð òãðÄðóÚðòãðãðÜÂð ýüòç¾¾þÚðõ¾ ¡ðùÒî μðð¾áÀá ¦¨îð£ü¾÷оþçð ¡ðùÒî ýüòÀÚððÎðÜð ¸ððÜó âð÷®ððü¨îÐð ÙððÐð¨î (¦¦çð) 21 çðÙð÷ò¨îÃð òãðÄðóÚðòãðãðÜÂð, ¦¦çð 23 çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü çðèÚðð÷±ðóçðüçÆðð¡ð÷ü Ùð÷ü òÐðãð÷äð ¨îð âð÷®ððü¨îÐð ¡ðøÜ ¦¦çð 27 çðüÚðô©Ãð£ÌðÙðð÷ü Ùð÷ü òèÃðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü òãðÄðóÚð òÜÑðð÷ò¾áȱð ¨îó¡Ñð÷êðð¡ð÷ü ¨÷î ¡ÐðôÞÑð ¡ðøÜ ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøȨî¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À ¨÷î ¡âð±ð âð÷®ðð ÑðÜóòêðÃð òãðÄðóÚðòãðãðÜÂðð÷ü ÃðÆðð çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü äððòÙðâð ýçð¨îóçðèðÚð¨î çðüçÆðð¡ð÷ü ¨÷î òãðãðÜÂðð÷ü ¨÷î ¡ðÏððÜ ÑðÜ ÃðøÚððÜ ò¨îÚð÷±ðÚð÷ èøü.5. èÙððÜó âð÷®ðð ÑðÜóêðð ¡ðøÜ ¡âð±ð - ¡âð±ð òãðÄðóÚðòãðãðÜÂðð÷ü ÑðÜ ¡ÐÚð âð÷®ðð ÑðÜóêð¨îð÷ü ¨îó òÜÑðð÷¾ð÷áÈ / Ñß×ðüÏðÐðÎðÜð òÇÚð÷ ±ðÚð÷ ÑßÙððÂðÐð ¡ðøÜ ³ð¾¨îð÷ü ¨îó ¡ÐÚð òãðÄðóÚð¸ððÐð¨îðÜó ÃðÆðð èÙððÜó ¡òÏð¨îÃðÙð ¸ððÐð¨îðÜó ¦ãðü èÙð÷ü òÇÚð÷±ðÚð÷ çÑðæ¾ó¨îÜÂðð÷ü ¨÷î ¡ðÏððÜ ÑðÜ, èÙððÜó Úðè ÜðÚð èø ò¨îçðüâð±Ðð çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂð ØððÜÃð Ùð÷ü çððÙððÐÚðÃðÚððÙððÐÚð âð÷®ððü¨îÐð òçðÊðÐÃðð÷ü ¨÷î ¡ÐðôÞÑð çðμμðó ¦ãðü çðèóòçÆðòÃð ÇäððáÃð÷ èøÈ :3. Included in these Consolidated FinancialStatements (CFS) are assets of Rs 2714.54crores as at March 31, 2007, revenues ofRs.234.52 crores and net cash inflow ofRs.227.93 crores for the year then ended,which have not been jointly audited by us.These financial statements have been auditedby other auditors whose reports have beenfurnished to us and our opinion, insofar as itrelates to the amounts included in respect ofthe subsidiaries, is based solely on the reportof those respective auditors.4. We report that the consolidated financialstatements have been prepared by the Bank inaccordance with the requirements of AccountingStandard (AS) 21 Consolidated FinancialStatements, AS 23 Accounting for Investmentsin Associates in Consolidated FinancialStatements and AS 27 Financial Reporting ofInterests in Joint Ventures, issued by the Instituteof Chartered Accountants of India and on thebasis of the separate audited financial statementsof Industrial Development Bank of India Limitedand its Subsidiaries included in the consolidatedfinancial statements.5. Based on our audit and on consideration ofreports of other auditors on separate financialstatements/ management certification and onthe other financial information of thecomponents and to the best of our informationand according to the explanations given to us,we are of the opinion that the attachedconsolidated financial statements give a trueand fair view in conformity with generallyaccepted accounting principles in India:118

Industrial Development Bank of India Limited¨î) çðÙð÷ò¨îÃð ÃðôâðÐð Ñðëð ¨÷î ÙððÙðâð÷ Ùð÷ü, 31 Ùððμðá 2007¨îð÷ ×ðøÈ¨î ¡ðøÜ ýçð¨îó çðèðÚð¨î çðüçÆðð¡ð÷ü ÃðÆððçðüÚðô©Ãð £ÌðÙðð÷ü ¨÷î ¨îðÙð¨îð¸ð ¨îó òçÆðòÃð.(®ð) çðÙð÷ò¨îÃð âððØð-èðòÐð âð÷®ð÷ ¨÷î ÙððÙðâð÷ Ùð÷ü, £çð ÃððÜó®ð¨îð÷ çðÙððÑÃð ãðæðá ¨îð âððØð ; ¡ðøÜ(±ð) çðÙð÷ò¨îÃð Ðð¨îÇó Ñßãððè òãðãðÜÂð ¨÷î ÙððÙðâð÷ Ùð÷ü, £çðÃððÜó®ð ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î Ðð¨îÇó Ñßãððè.a) in the case of the consolidated balancesheet, of the state of affairs of the Bankand its Subsidiaries and its Joint Ventureas at March 31, 2007;b) in the case of the consolidated profit andloss account, of the profit for the yearended on that date; andc) in the case of the consolidated cash flowstatement, of the cash flows for the yearended on that date¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨îü.çðÐðÇó âð÷®ðð¨îðܨöîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðçðÐðÇó âð÷®ðð¨îðÜFor Khimji Kunverji & Co. For Suresh Chandra & AssociatesChartered Accountants Chartered Accountantsòäðãð¸ðó ¨÷î. òãð¨îÙðçðóãð÷Ç Ñߨîðäð ×ðüçðâðçðð»ð÷ÇðÜçðð»ð÷ÇðÜçðÇçÚðÃðð çðü®Úðð : 2242 çðÇçÚðÃðð çðü®Úðð : 500369Ùðôü×ðýá20 ¡Ñßøâð 2007Shivji K. VikamseyVed Prakash BansalPartnerPartnerMembership No. 2242 Membership No. 500369MumbaiApril 20, 2007119

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À31 Ùððμðá 2007 ¨îð÷ çðÙð÷ò¨îÃð ÃðôâðÐð Ñðëð / Consolidated Balance Sheet as at March 31, 2007Ñðõü¸ðó ¦ãðü Ç÷ÚðÃðð¦üCAPITAL AND LIABILITIES(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006Schedule As on 31-Mar-07 As on 31-Mar-06Ñðõü¸ðó / Capital 1 724 35 41 723 79 46òܺðãðá ¡ðøÜ ¡òÏðäð÷æð / Reserves and Surplus 2 7802 00 51 5935 21 33¨îÙðáμððÜó ç¾ðù¨î ¡ðùÑäðÐð (¡ÐðôÇðÐð) ×ð¨îðÚððEmployees’ Stock Options (Grants) Outstanding 40 13 87 59¸ðÙððÜðòäðÚððü / Deposits 3 43305 81 84 25853 91 06£ÏððÜ ÜðòäðÚððü / Borrowings 4 44225 63 53 48910 62 08¡ÐÚð Ç÷ÚðÃðð¦ü ¡ðøÜ ÑßðãðÏððÐð / Other Liabilities and Provisions 5 9882 27 67 8877 82 84------------------------------- -------------------------------¨ôîâð / TOTAL 105940 49 09 90302 24 35============ ============¡ðòçÃðÚððü / ASSETSÐð¨îÇó ¦ãðü ØððÜÃðóÚð òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æðCash and balances with Reserve Bank of India 6 5405 52 76 2680 09 94×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð ÃðÆðð Ùððü±ð ¡ðøÜ ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð ÜðòäðBalances with banks and money at call and short notice 7 1922 68 90 2871 87 60òÐðãð÷äð / Investments 8 25362 55 36 25472 89 39¡ò±ßÙð / Advances 9 64367 33 54 54103 51 30¡μðâð ¡ðòçÃðÚððü / Fixed Assets 10 2803 13 21 838 53 03¡ÐÚð ¡ðòçÃðÚððü / Other Assets 11 6079 25 32 4335 33 09------------------------------- -------------------------------¨ôîâð / TOTAL 105940 49 09 90302 24 35============ ============¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦ü / Contingent Liabilities 12 108530 03 43 77022 73 78ãðçðõâðó è÷Ãðô ò×ðâð / Bills for collection 2405 15 12 1519 43 60ÙðèÃãðÑðõÂðá âð÷®ðð ÐðóòÃðÚððü ÃðÆðð âð÷®ðð÷ü ÑðÜ ò¾ÑÑðòÂðÚððü âð÷®ðð÷ü ¨÷î ¡òØðÐÐð Øðð±ð ¨÷î ÞÑð Ùð÷È èøÈSignificant Accounting Policies and Notes to accountsform an integral part of the accounts 17 &18×ðð÷Àá ¨÷î ¡ðÇ÷äððÐðôçððÜBY ORDER OF THE BOARD(¨÷î. ÐðÜòçðÙè ÙðõòÃðá) (¡ð÷. ãðó. ×ðôÐÇ÷âðõ) (ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð) (ãðó. Ñðó. äð÷¾þ¾ó)(K. Narasimha Murthy) (O.V. Bundellu) (Jitender Balakrishnan) (V. P. Shetty)òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îDirector Dy. Managing Director Dy. Managing Director Chairman & Managing Director¡ð¸ð ¨îó ÃððÜó®ð ¨îó èÙððÜó çðüâð±Ðð òÜÑðð÷¾á ¨÷î ¡ÐðôçððÜAs per our report attached of even date¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨üî. ¨öîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðFor Khimji Kunverji & Co. For Suresh Chandra & AssociatesçðÐðÇó âð÷®ðð¨îðÜçðÐðÇó âð÷®ðð¨îðÜChartered Accountants Chartered Accountants(òäðãð¸ðó ¨÷î. òãð¨îÙðçðó) (ãð÷Ç Ñߨîðäð ×ðüçðâð) (¦âð. Ñðó. ¡±ßãððâð)(Shivji K. Vikamsey) (Ved Prakash Bansal) (L. P. Aggarwal)çðð»ð÷ÇðÜ çðð»ð÷ÇðÜ ¨îðùÜÑðð÷Ü÷¾ ÑßÙðô®ð - òãðÄðóÚð ¡òÏð¨îðÜóPartner Partner Corporate Head - Financial OfficerçðÇçÚðÃðð çðü. 2242 çðÇçÚðÃðð çðü. 500369Membership No. 2242 Membership No. 500369Ùðôü×ðýá, 20 ¡Ñßøâð 2007Mumbai, April 20, 2007120

Industrial Development Bank of India Limited31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨îð çðÙð÷ò¨îÃð âððØð-èðòÐð âð÷®ððConsolidated Profit and Loss Account for the year ended March 31, 2007(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSchedule Year ended Year ended31-Mar-07 31-Mar-06I. ¡ðÚð / INCOME¡ò¸ðáÃð ×Úðð¸ð / Interest earned 13 6556 43 95 5543 64 79¡ÐÚð ¡ðÚð / Other income 14 960 38 15 1271 06 59----------------------------- -----------------------------¨ôîâð / TOTAL 7516 82 10 6814 71 37========== ==========II. ¨¡¸¡¸ / EXPENDITURE×Úðð¸ð ®ðμðá / Interest expended 15 5830 36 61 5115 05 46ÑðòÜμððâðÐð ãÚðÚð / Operating expenses 16 813 46 43 904 18 43¡çÆððÚðó ÑßðãðÏððÐð ¨îð çðÙððÚðð÷¸ðÐð (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 5 Ç÷®ð÷ü)Adjustment of floating provision (Refer Schedule 18 note 5)çðÙððÚðð÷ò¸ðÃð ±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃðÚððüNon-performing assets adjusted – 2029 31 00³ð¾ð¦ü: ¡çÆððÚðó ÑßðãðÏððÐð çð÷ ¡ðèòÜÃð ÜðòäðLess: withdrawn from Floating Provision – (2029 31 00)ÑßðãðÏððÐð ¦ãðü ¡ð¨îòçÙð¨îÃðð¦üProvisions and contingencies 284 67 57 251 55 86----------------------------- -----------------------------¨ôîâð / TOTAL 6928 50 61 6270 79 75========== ==========III. âððØð / èðòÐð PROFIT / LOSSãðæðá ¨îð òÐðãðâð âððØð / (èðòÐð) / Net profit / (loss) for the year 588 31 49 543 91 63¡ð±ð÷ âððÚðð ±ðÚðð âððØð / (èðòÐð) / Profit / (loss) brought forward 1021 90 19 781 40 88òÐðãð÷äð ³ð¾-×ðÁÿ« òܺðãðá, äð÷æð ¡üÃðòÜÃðInvestment Fluctuation Reserve, balance transferred – 392 00 00¡ðýáÀó×ðó¡ðýá ¦ò©¸ðÙð (¸ð÷) òãðäð÷æð òÐðòÏð, äð÷æð ¡üÃðòÜÃðIDBI EXIM (J) Special Fund, balance transferred 1 69 15 –----------------------------- -----------------------------¨ôîâð / TOTAL 1611 90 83 1717 32 51========== ==========IV. ¹¨¸¹›¸¡¸øŠ¸ / APPROPRIATIONSçððüòãðòÏð¨î òܺðãðá Ùð÷ü ¡üÃðÜÂð / Transfer to Statutory Reserve 158 00 00 149 46 14Ñðõü¸ðó±ðÃð òܺðãðá Ùð÷ü ¡üÃðÜÂð / Transfer to Capital Reserve 11 00 00 –çððÙððÐÚð òܺðãðá Ùð÷ü ¡üÃðÜÂð / Transfer to General Reserve (4 11 20) 392 00 00¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 36(1) (viii) ¨÷î ¡ÐÃð±ðáÃð òãðäð÷æð òܺðãðá Ùð÷ü ¡üÃðÜÂðTransfer to Special Reserve under section 36(1)(viii) of the Income Tax Act, 1961 61 04 90 56 90 00¡ÐÚð òܺðãðá Ùð÷ü ¡üÃðÜÂð / Transfer to other reserves – 4 46 48ç¾ðÒî ¨îâÚððÂð òÐðòÏð Ùð÷ü ¡üÃðÜÂð / Transfer to Staff Welfare Fund – 3 50 00±ðÃð òãðÄðóÚð ãðæðá ¨îð âððØððüäð / Dividend for previous financial year – 10 83ÑßçÃððòãðÃð âððØððüäð / Proposed dividend 108 65 31 108 56 92ÑßçÃððòãðÃð âððØððüäð ÑðÜ ¨îÜ / Tax on proposed dividend 19 87 50 20 03 93äð÷æð Üðòäð ÃðôâðÐð Ñðëð Ùð÷ü âð÷ ¸ððýá ±ðýá / Balance carried over to balance sheet 1257 44 32 982 28 22----------------------------- -----------------------------¨ôîâð / TOTAL 1611 90 88 1717 32 51========== ==========121

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨îð çðÙð÷ò¨îÃð âððØð-èðòÐð âð÷®ðð (¸ððÜó)Consolidated Profit and Loss Account for the year ended March 31, 2007 (Contd.)ÙðèÃãðÑðõÂðá âð÷®ðð ÐðóòÃðÚððü ÃðÆðð âð÷®ðð÷ü ÑðÜ ò¾ÑÑðòÂðÚððü âð÷®ðð÷ü ¨÷î ¡òØðÐÐð Øðð±ð ¨÷î ÞÑð Ùð÷È èøÈSignificant Accounting Policies and Notesto Accounts form an intergal part of the accounts 17 & 18(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSchedule Year ended Year ended31-Mar-07 31-Mar-06ÑßòÃð äð÷ÚðÜ ¡ðÚð (Ý.) (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 9 Ç÷®ð÷ü)Earnings per share (Rs.) (refer Schedule 18 note 9)- Ùðõâð / Basic 8.12 7.52- ÐÚðõÐðó¨öîÃð / Diluted 8.12 7.51×ðð÷Àá ¨÷î ¡ðÇ÷äððÐðôçððÜBY ORDER OF THE BOARD(¨÷î. ÐðÜòçðÙè ÙðõòÃðá) (¡ð÷. ãðó. ×ðôÐÇ÷âðõ) (ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð) (ãðó. Ñðó. äð÷¾þ¾ó)(K. Narasimha Murthy) (O.V. Bundellu) (Jitender Balakrishnan) (V. P. Shetty)òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îDirector Dy. Managing Director Dy. Managing Director Chairman & Managing Director¡ð¸ð ¨îó ÃððÜó®ð ¨îó èÙððÜó çðüâð±Ðð òÜÑðð÷¾á ¨÷î ¡ÐðôçððÜAs per our report attached of even date¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨üî. ¨öîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðFor Khimji Kunverji & Co. For Suresh Chandra & AssociatesçðÐðÇó âð÷®ðð¨îðÜçðÐðÇó âð÷®ðð¨îðÜChartered Accountants Chartered Accountants(òäðãð¸ðó ¨÷î. òãð¨îÙðçðó) (ãð÷Ç Ñߨîðäð ×ðüçðâð) (¦âð. Ñðó. ¡±ßãððâð)(Shivji K. Vikamsey) (Ved Prakash Bansal) (L. P. Aggarwal)çðð»ð÷ÇðÜ çðð»ð÷ÇðÜ ¨îðùÜÑðð÷Ü÷¾ ÑßÙðô®ð - òãðÄðóÚð ¡òÏð¨îðÜóPartner Partner Corporate Head - Financial OfficerçðÇçÚðÃðð çðü. 2242 çðÇçÚðÃðð çðü. 500369Membership No. 2242 Membership No. 500369Ùðôü×ðýá, 20 ¡Ñßøâð 2007Mumbai, April 20, 2007122

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü / Schedules forming part of Consolidated Accounts(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006As on 31-Mar-07 As on 31-Mar-06¡Ððôçðõμðó 1 - Ñðõü¸ðóSCHEDULE 1 - CAPITALÑßðòÏð¨öîÃð Ñðüõ¸ðóÑßòÃð 10 ÝÑðÚð÷ ¨÷î 125 00 00 000 ýò©ãð¾ó äð÷ÚðÜAuthorised Capital125 00 00 000 Equity Shares of Rs.10 each 1250 00 00-----------------------------1250 00 00-----------------------------òÐð±ðáòÙðÃð, ¡òØðÇÄð ¡ðøÜ ÑßÇÄð Ñðüõ¸ðóIssued, Subscribed and Paid-up CapitalÑßòÃð 10 ÝÑðÚð÷ ¨î÷ ÑðõÂðáÃð: ÑßÇÄð 72 43 54 088 (72 37 94 603) ýò©ãð¾ó äð÷ÚðÜ72 43 54 088 (72 37 94 603) Equity Shares of Rs.10 each-fully paid up 724 35 41 723 79 46(ýçð ãðæðá ¨÷î ÇðøÜðÐð ¨îÙðáμððÜó ç¾ðù¨î òãð¨îâÑð Úðð÷¸ðÐðð ¨÷î ÑßòÃð 5 59 485 (20 19 581)ýò©ãð¾ó äð÷ÚðÜ ¡ð×ðüò¾Ãð ò¨î¦ ±ð¦)(5 59 485 (20 19 581) Equity Shares alloted during the year against ESOPs excercised)----------------------------- -----------------------------¨ôîâð / TOTAL 724 35 41 723 79 46========== ==========¡Ððôçðõμðó 2 - òܺðãðá ¦ãðü ¡òÏðäð÷æð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 2 - RESERVES AND SURPLUS As on 31-Mar-07 As on 31-Mar-06I. çððüòãðòÏð¨î òܺðãðá / Statutory ReserveÑßðÜüòÙð¨î äð÷æð / Opening Balance 481 62 40 332 16 26ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 158 00 00 149 46 14ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year 1-----------------------------–-----------------------------639 62 39 481 62 40========== ==========II. Ñðõü¸ðó±ðÃð òܺðãðá / Capital ReserveÑßðÜüòØð¨î äð÷æð / Opening Balance 210 42 66 178 32 66ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 11 00 00 32 10 00ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – –----------------------------- -----------------------------221 42 66 210 42 66========== ==========III. ÑðôÐðÙðõáâÚðÐð äð÷æð / Revaluation ReserveÑßðÜüòØð¨î äð÷æð / Opening Balance – –ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 6 Ç÷®ð÷ü)Additions during the Year (Refer Schedule 18 note 6) 2063 91 00 –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the Year – –----------------------------- -----------------------------2063 91 00 –========== ==========IV. äð÷ÚðÜ ÑßóòÙðÚðÙð / Share PremiumÑßðÜüòØð¨î äð÷æð / Opening Balance 1810 70 48 1749 29 96ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 2 02 65 61 40 52ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year 54 56 96 –----------------------------- -----------------------------1758 16 17 1810 70 48========== ==========V. Üð¸ðçãð ãð ¡ÐÚð òܺðãðá / Revenue and other reserves(¨î) çððÙððÐÚð òܺðãðá(a) General Reserve123

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 2 - òܺðãðá ¦ãðü ¡òÏðäð÷æð (¸ððÜó) ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 2 - RESERVES AND SURPLUS (Contd.) As on 31-Mar-07 As on 31-Mar-06ÑßðÜüòØð¨î äð÷æð / Opening Balance 2159 19 19 1858 85 56ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐðAdditions during the year 1 69 15 396 46 48ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 3 Ç÷®ð÷ü)Deductions during the year (Refer Schedule 18 note 3) 648 62 52 98 70 13----------------------------- -----------------------------1512 25 82 2159 19 19========== ==========(®ð) ç¾ðÒî ¨îâÚððÂð òÐðòÏð(b) Staff Welfare FundÑßðÜüòØð¨î äð÷æð / Opening Balance 34 73 09 32 15 59ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 1 04 02 5 94 23ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year 2 20 00 3 36 73----------------------------- -----------------------------33 57 11 34 73 09========== ==========(±ð) ¡ðýáÀó×ðó¡ðýá ¦ò©¸ðÙð (¸ð÷) òãðäð÷æð òÐðòÏð(c) IDBI EXIM (J) Special FundÑßðÜüòØð¨î äð÷æð / Opening Balance 169 15 1 69 15ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year – –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year 169 15 –----------------------------- -----------------------------– 1 69 15========== ==========(³ð) òÐðãð÷äð ³ð¾-×ðÁÿ òܺðãðá(d) Investment Fluctuation ReserveÑßðÜüòØð¨î äð÷æð / Opening Balance – 392 00 00ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year – –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – 392 00 00----------------------------- -----------------------------– –========== ==========(´) ¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð 1961 ¨îó ÏððÜð 36(1) (viii) ¨÷î ¡ÐÃð±ðáÃð òãðäð÷æð òܺðãðá(e) Special Reserve under Section 36(1)(viii) of the Income Tax Act, 1961ÑßðÜüòØð¨î äð÷æð / Opening Balance 635 04 6 35 04ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year – –ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the year – –----------------------------- -----------------------------635 04 6 35 04========== ==========(μð) ¡ðÚð¨îÜ ¡òÏðòÐðÚðÙð, 1961 ¨îó ÏððÜð 36 (1) (viii)¨÷î ¡ÐÃð±ðáÃð çðöò¸ðÃð ãð ¡ÐðôÜòêðÃð òãðäð÷æð òܺðãðá(f) Special Reserve created and maintained underSection 36(1)(viii) of the Income Tax Act, 1961ÑßðÜüòØð¨î äð÷æð / Opening Balance 248 21 10 191 31 10ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the year 61 04 90 56 90 00ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü¿ / Deductions during the year – –----------------------------- -----------------------------309 26 00 248 21 10========== ==========VI. âððØð - èðòÐð âð÷®ð÷ Ùð÷ü äð÷æð ÜðòäðBalance in Profit and Loss Account 1257 44 32 982 28 22----------------------------- -----------------------------¨ôîâð / TOTAL (I+II+III+IV+V+VI) 7802 00 51==========5935 21 33==========124

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 3 - ¸ðÙððÜðòäðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 3 - DEPOSITS As on 31-Mar-07 As on 31-Mar-06¨î. I. Ùððü±ð ¸ðÙððÜðòäðÚððüA. Demand Depositsi) ×ðø¨îð÷ü çð÷ / From banks 119 99 35 78 34 39ii) ¡ÐÚð çð÷ / From others 6863 40 15 5096 32 21-------------------------------- --------------------------------6983 39 50 5174 66 60-------------------------------- --------------------------------II. ×ðμðÃð ×ðøü¨î ¸ðÙðð ÜðòäðÚððü / Saving Bank Deposits 4034 42 00 2498 96 49III. çððãðòÏð ¸ðÙðð ÜðòäðÚððü / Term Depositsi) ×ðøü¨îð÷ü çð÷ / From banks 2111 85 01 1255 13 68ii) ¡ÐÚð çð÷ / From others 30176 15 33 16925 14 29-------------------------------- --------------------------------32288 00 34 18180 27 97-------------------------------- --------------------------------¨ôîâð / TOTAL 43305 81 84 25853 91 06============ ============®ð i) ØððÜÃð Ùð÷ü òçÆðÃð äðð®ðð¡ð÷ü ¨îó ¸ðÙððÜðòäðÚððüB. Deposits of branches in India 43305 81 34 25853 91 06ii) ØððÜÃð çð÷ ×ððèÜ òçÆðÃð äðð®ðð¡ð÷ü ¨îó ¸ðÙððÜðòäðÚððüDeposits of branches outside India – –-------------------------------- --------------------------------¨ôîâð / TOTAL 43305 81 84 25853 91 06============ ============¡Ððôçðõμðó 4 - £ÏððÜ ÜðòäðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 4 - BORROWINGS As on 31-Mar-07 As on 31-Mar-06I. ØððÜÃð Ùð÷ü £ÏððÜ ÜðòäðÚððü / Borrowings in Indiai) ØððÜÃðóÚð òܺðãðá ×ðøü¨î / Reserve Bank of India – –ii) ¡ÐÚð ×ðøü¨î / Other banks 2473 47 86 2850 84 58iii) ¡ÐÚð çðüçÆðð¦ü ¡ðøÜ ¦¸ð÷üòçðÚððü / Other institutions and agenciesII.¨î) ØððÜÃð çðܨîðÜ çð÷ £ÏððÜ ÜðòäðÚððüa) Government of India borrowings 6 70 12 7 23 45®ð) ØððÜÃð çðܨîðÜ ¨îð÷ ¸ððÜó ¾óÚðÜ I ×ððüÀb) Tier I bonds issued to Government of India 2130 50 00 2130 50 00±ð) ãððòÂðò¸Úð¨î Ñðëðc) Commercial Paper 115 00 00 130 00 00³ð) ØððÜÃð çðܨîðÜ ÎðÜð ±ððÜü¾ó¨öîÃð ×ððüÀd) Bonds guaranteed by Government of India 5412 51 35 5419 36 35´) ¡ÐÚðe) Others 28303 81 55 32362 26 02ØððÜÃð ¨÷î ×ððèÜ çð÷ £ÏððÜ ÜðòäðÚððüBorrowings outside India 5783 62 65 6010 41 68-------------------------------- --------------------------------¨ôîâð / TOTAL 44225 63 53 48910 62 08============ ============¤ÑðÜ I ¡ðøÜ II Ùð÷ü çðòÙÙðòâðÃð ÑßòÃðØðõÃð £ÏððÜ ÜðòäðÚððü - 3984,97,86 è¸ððÜ ÝÑðÚð÷ (2913,07,68 è¸ððÜ ÝÑðÚð÷)Secured borrowings included in I and II above - Rs.3984,97,86 Thousand (Rs.2913,07,68 Thousand)125

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 5 - ¡ÐÚð Ç÷ÚðÃðð¦ü ¡ðøÜ ÑßðãðÏððÐð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS As on 31-Mar-07 As on 31-Mar-06I. Ç÷Úð ò×ðâð / Bills payable 498 95 75 659 27 30II. ¡üÃðÜ-¨îðÚððáâðÚð çðÙððÚðð÷¸ðÐð (òÐðãðâð) / Inter-office adjustment (net) 0 7 68 00III. £ÑðòμðÃð ×Úðð¸ð / Interest accrued 1336 48 39 1445 10 61IV. ¡ÑßòÃðØðõÃð ÑßòÃðÇ÷Úð ×ððüÀ (¾óÚðÜ II Ñðüõ¸ðó ¨÷î òâ𦠱ððøÂð)Unsecured Redeemable Bonds 5350 71 06 3929 34 95(Subordinated for Tier II Capital)V. ÙððÐð¨î ¡ðòçÃðÚðð÷ü ¨÷î ÑßòÃð òãðãð÷¨îÑðõÂðá ÑßðãðÏððÐðPrudential provisions against standard assets 318 92 19 220 84 90VI. ýò©ãð¾ó äð÷ÚðÜð÷ü ÑðÜ Ç÷Úð âððØððüäð ¡ðøÜ âððØððüäð ¨îÜDividend and dividend tax payable on Equity Shares 128 52 81 126 25 37VII. ¦çð¦¦çð¦Òî ¨îð÷ ¡üÃðòÜÃð ÙððÙðâðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ÑßðÑÃð ÜðòäðÚððüReceipts in respect of cases transferred to SASF 19 27 17 29 42 32VIII. ¡ð÷ÙÐðó ¨÷î òâ𦠡ðãð÷ÇÐð Üðòäð / Application Money for OMNI 0 40 00IX. ¡ÐÚð / Others 2229 40 30 2459 49 39-------------------------------- --------------------------------¨îôâð / TOTAL 9882 27 67 8877 82 84============ ============¡Ððôçðõμðó 6 - Ðð¨îÇó ¦ãðü ØððÜÃðóÚð òܺðãðá ×ðøü¨î ¨÷î Ñððçð äð÷æð Üðòäð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA As on 31-Mar-07 As on 31-Mar-06I. èðÆð Ùð÷ü Ðð¨îÇó (òãðÇ÷äðó ÙðôÍð Ððð÷¾ çðòèÃð)Cash in hand (including foreign currency notes) 213 32 23 117 56 25II. ØððÜÃðóÚð òܺðãðá ×ðøü¨î ¨÷î Ñððçð äð÷æð Üðòäð / Balances with Reserve Bank of Indiai) μððâðõ ®ððÃð÷ Ùð÷ü / in Current Account 5192 20 53 2562 53 69ii) ¡ÐÚð ®ððÃðð÷ü Ùð÷ü / in Other Accounts 0 0-------------------------------- --------------------------------¨ôîâð (I ¦ãðü II) / TOTAL (I and II ) 5405 52 76 2680 09 94============ ============¡Ððôçðõμðó 7 - ×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð Üðòäð ÃðÆðð Ùððü±ð¦ãðü ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 7 - BALANCES WITH BANKSAND MONEY AT CALL AND SHORT NOTICES As on 31-Mar-07 As on 31-Mar-06I. ØððÜÃð Ùð÷ü / In Indiai) ×ðøü¨îð÷ü ¨÷î Ñððçð äð÷æð ÜðòäðÚððü / Balances with banks¨î) μððâðõ ®ððÃðð÷ü Ùð÷ü *a) in Current Accounts* 129 17 63 117 13 50®ð) ¡ÐÚð ¸ðÙðð ®ððÃðð÷ü Ùð÷üb) in Other Deposit Accounts 452 08 61 984 75 43ii) Ùððü±ð ¡ðøÜ ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð / Money at call and short noticeˆÅ) ×ðøü¨îð÷ü ¨÷î Ñððçða) with banks 279 00 00 800 00 00‰¸) ¡ÐÚð çðüçÆðð¡ð÷ü ¨÷î Ñððçðb) with other institutions 50 00 00 360 00 00-------------------------------- --------------------------------¨îôâð I / TOTAL I 910 26 24 2261 88 93============ ============126

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006As on 31-Mar-07 As on 31-Mar-06II. ØððÜÃð çð÷ ×ððèÜ / Outside Indiai) μððâðõ ®ððÃðð÷ü Ùð÷ü / in Current Accounts 119 27 19 134 88 61ii) ¡ÐÚð ¸ðÙðð ®ððÃðð÷ü Ùð÷ü / in Other Deposit Accounts 22 96 81 111 54 12iii) Ùððü±ð ¡ðøÜ ¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð Üðòäð / Money at call and short notice 870 18 66 363 55 94-------------------------------- --------------------------------¨îôâð II / TOTAL II 1012 42 66 609 98 67-------------------------------- --------------------------------¨ôîâð Úðð÷±ð (I ¦ãðü II) / GRAND TOTAL (I and II) 1922 68 90 2871 87 60============ ============* ýçðÙð÷ü ±ðøÜ çðü×ðÊ ×ðøȨîð÷ü ¨÷î ÙððÏÚðÙð çð÷ äðð®ðð¡ð÷ü ÎðÜð òãðÑß÷òæðÃð 14,28,62 è¸ððÜ ÝÑðÚð÷ (38,40,41 è¸ððÜ ÝÑðÚð÷) äððòÙðâð èøÈ.* includes Rs.14,28,62 Thousand (Rs.38,40,41 Thousand) remitted by branches through non correspondent banks.¡Ððôçðõμðó 8- òÐðãð÷äð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 8 - INVESTMENTS As on 31-Mar-07 As on 31-Mar-06I. ØððÜÃð Ùð÷ü òÐðÙÐð Ùð÷ü òÐðãð÷äð / Investments in India ini) çðܨîðÜó ÑßòÃðØðõòÃðÚððü¿ / Government securities 16192 38 92 16571 61 57ii) ¡ÐÚð ¡ÐðôÙðð÷òÇÃð ÑßòÃðØðõòÃðÚððü / Other approved securities 17 24 41 –iii) äð÷ÚðÜ / Shares 3433 36 31 2141 63 24iv) òÀ×ðü÷μðÜ ¡ðøÜ ×ððüÀ / Debentures and Bonds 3630 87 83 4372 42 68v) çðèðÚð¨î çðüçÆðð¦ü ¡ðøÜ / Úðð çðüÚðô©Ãð £ÌðÙð / Subsidiaries and / or joint ventures 357 02 20 346 98 49vi) ¡ÐÚð (ãððòÂðò¸Úð¨î Ñðëð, ÙÚðõμðô¡âð ÒüîÀð÷ü ¨÷î ÚðõòÐð¾ ¡ðòÇ) / Others (CP’s, units in MF’s etc.) 1730 61 16 2033 58 80-------------------------------- --------------------------------¨îôâð I / TOTAL I 25361 50 83 25466 24 78============ ============II.ØððÜÃð çð÷ ×ððèÜ òÐðÙÐð Ùð÷ü òÐðãð÷äð / Investments outside India ini) çðܨîðÜó ÑßòÃðØðõòÃðÚððü (çÆððÐðóÚð ÑßðòÏð¨îÜÂð çðòèÃð)Government securities (including local authorities) – –ii) òãðÇ÷äð òçÆðÃð çðèðÚð¨î çðüçÆðð¦ü ¡ðøÜ / Úðð çðüÚðô©Ãð £ÌðÙðSubsidiaries and / or joint vebtures abroad – –iii) ¡ÐÚð òÐðãð÷äð (äð÷ÚðÜ) / Others investments (shares) 1 04 53 6 64 61-------------------------------- --------------------------------¨îôâð II / TOTAL II 1 04 53 6 64 61-------------------------------- --------------------------------¨ôîâð Úðð÷±ð (I ¡ðøÜ II) / GRAND TOTAL (I and II) 25362 55 36 25472 89 39============ ============III. ØððÜÃð Ùð÷ü òÐðãð÷äð / Investments in Indiai) òÐðãðäðð÷ü ¨îð çð¨îâð ÙðõâÚð / Gross value of investments 25583 51 72 25719 36 26ii) ÙðõâÚðã¸çð ¨÷î òâ𦠨ôîâð ÑßðãðÏððÐð / Aggregate provision for depreciation 222 00 89 253 11 48-------------------------------- --------------------------------iii) òÐðãðâð òÐðãð÷äð / Net investment 25361 50 83 25466 24 78============ ============IV. ØððÜÃð ¨÷î ×ððèÜ òÐðãð÷äð / Investments outside Indiai) òÐðãðäðð÷ü ¨îð çð¨îâð ÙðõâÚð / Gross value of investments 1 04 53 6 64 61ii) ÙðõâÚðã¸çð ¨÷î òâ𦠨ôîâð ÑßðãðÏððÐð / Aggregate provision for depreciation – –-------------------------------- --------------------------------iii) òÐðãðâð òÐðãð÷äð / Net investment 1 04 53 6 64 61============ ============127

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 9- ¡ò±ßÙð ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 9 - ADVANCES As on 31-Mar-07 As on 31-Mar-06¨î. i) ®ðÜóÇ÷ ¡ðøÜ ØðôÐðð¦ / ÑðôÐðØðáôÐððýá ò¨îÚð÷ ±ðÚð÷ ò×ðâðA. Bills purchased and discounted / rediscounted 2294 18 26 2203 20 37ii) Ðð¨îÇ ¥Âð , ¡ð÷ãðÜÀàðÓ¾ ¡ðøÜ Ùððü±ð ÑðÜ ÑßòÃðÇ÷Úð ¥ÂðCash credits, overdrafts and loans repayable on demand 5432 56 96 2556 28 36iii) ÙðóÚððÇó ¥Âð / Term Loans 56640 58 32 49344 02 57-------------------------------- --------------------------------¨ôîâð / TOTAL 64367 33 54 54103 51 30-------------------------------- --------------------------------®ð. i) ÙðõÃðá ¡ðòçÃðÚðð÷ü ÎðÜð ÑßòÃðØðõÃð *B. Secured by tangible assets* 56234 60 00 44395 96 58ii) ×ðøü¨î / çðܨîðÜó ±ððÜüò¾Úðð÷ü ÎðÜð çðôÜòêðÃð **Covered by bank / government guarantees** 1025 97 80 1506 20 01iii) ¡ÑßòÃðØðõÃð / Unsecured 7106 75 74 8201 34 71-------------------------------- --------------------------------¨ôîâð / TOTAL 64367 33 54 54103 51 30-------------------------------- --------------------------------±ð. I. ØððÜÃð Ùð÷ü ¡ò±ßÙðC. Advances in IndiaII.i) ÑßðÆðòÙð¨îÃðð ÑßðÑÃð êð÷ëð / Priority Sector 9290 40 85 8007 70 00ii) çððãðá¸ðòÐð¨î êð÷ëð / Public Sector 6682 80 65 4640 83 40iii) ×ðøü¨î / Banks 808 26 51 83 27 15iv) ¡ÐÚð / Others 47585 85 53 41371 70 75-------------------------------- --------------------------------¨ôîâð / TOTAL 64367 33 54 54103 51 30============ ============ØððÜÃð ¨÷î ×ððèÜ ¡ò±ßÙð / Advances outside Indiai) ×ðøü¨îð÷ü çð÷ Ç÷Úð / Due from banks – –ii) ¡ÐÚð çð÷ Ç÷Úð / Due from others – –(¨î) ®ðÜóÇ÷, ØðôÐð𦠡ðøÜ ÑðôÐðØðôáÐððýá ò¨îÚð÷ ±ðÚð÷ ò×ðâð(a) Bills purchased, discounted and rediscounted – –(®ð) çðÙðõòèÃð ¥Âð(b) Syndicated loans – –(±ð) ¡ÐÚð(c) Others – –-------------------------------- --------------------------------¨ôîâð / TOTAL 0 0-------------------------------- --------------------------------¨ôîâð Úðð÷±ð (±ð I ¦ãðü ±ð II) / GRAND TOTAL ( C I and C I I ) 64367 33 54 54103 51 30============ ============* ýçðÙð÷ü ×ðèó ¥Âð ¨÷î ÑßòÃð ÑßòÃðØðõÃð ¡ò±ßÙð äððòÙðâð èøü** ýçðÙð÷ü ¡ÐÚð ×ðøü¨îð÷ü ÎðÜð ¸ððÜó çðð®ð Ñðëðð÷ü ¨÷î ÑßòÃð ÑßòÃðØðõÃð ¡ò±ßÙð äððòÙðâð èøü* includes Advances secured against book debts** includes Advances secured against Letters of Credit issued by other banks128

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 10 - ¡μðâð ¡ðòçÃðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 10 - FIXED ASSETS As on 31-Mar-07 As on 31-Mar-06I. ÑðòÜçðÜ / PremisesÑßðÜüòØð¨î äð÷æð / Opening balance 370 63 10 372 67 67ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the Year 264 88 90 61 73 72ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü* / Deductions during the Year*ãðæðá ¨÷î ÇðøÜðÐð ÑðôÐðÙðõáâÚðÐð (¡Ððôçðõμðó 18 ò¾ÑÑðÂðó 6 Ç÷®ð÷ü) 99 93 66 63 78 29Revaluation during the year (Refer Schedule 18 note 6) 2063 91 00 –¡ð¸ð ¨îó ÃððÜó®ð Ãð¨î ÙðõâÚðã¸çð / Depreciation to date 1 62 22 86 51 99-------------------------------- --------------------------------2597 87 12 284 11 11============ ============II. ¡ÐÚð ¡μðâð ¡ðòçÃðÚððü (ÒîÐðóáμðÜ ãð òÒî©çμðçðá çðòèÃð)Other fixed assets (including furniture & fixtures)ÑßðÜüòØð¨î äð÷æð / Opening balance 417 49 09 351 39 28ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the Year 100 84 03 74 21 25ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the Year 36 89 13 8 11 44¡ð¸ð ¨îó ÃððÜó®ð Ãð¨î ÙðõâÚðã¸çð / Depreciation to date 327 51 95 243 65 94-------------------------------- --------------------------------153 92 04 173 83 15============ ============III. Ñð¾þ¾÷ ÑðÜ Çó ±ðýá ¡ðòçÃðÚððü / Assets given on LeaseÑßðÜüòØð¨î äð÷æð / Opening balance 1521 39 82 1728 22 40ãðæðá ¨÷î ÇðøÜðÐð ÑðòÜãðÏðáÐð / Additions during the Year 1 76 51 –ÑßðãðÏððÐðð÷ü ¨îð÷ ³ð¾ð¨îÜ âðóºð çðÙððÚðð÷¸ðÐð / Lease adjustment net of provisions 4 54 72 36 70 39ãðæðá ¨÷î ÇðøÜðÐð ¨î¾ðøòÃðÚððü / Deductions during the Year 708 34 06 206 82 58¡ð¸ð ¨îó ÃððÜó®ð Ãð¨î ÙðõâÚðã¸çð / Depreciation to date 768 92 69 1177 58 19±ðøÜ-òÐðæÑððÇ¨î ¡ðòçÃðÚðð÷ü ¨÷î òâð¦ ÑßðãðÏððÐðProvisions for non-performing assets 10 26 51 8 50 00-------------------------------- --------------------------------40 17 79 372 02 02============ ============IV. μððâðõ Ñðõü¸ðó±ðÃð ¨îðÚðá Capital work-in-progess 11 16 26 8 56 75-------------------------------- --------------------------------¨ôîâð (I+II+III+IV) / TOTAL (I+II+III+IV) 2803 13 21 838 53 03============ ============* ÑðôÐðÙðõáâÚðÐð ÑðÜ Ùðõâð âðð±ðÃð çð÷ çðÙðü¸ðÐð ¨îÜÃð÷ èô¦ 31 Ùððμðá 2007 Ãð¨î 97,06,81 è¸ððÜ ÝÑðÚð÷ ¨÷î çðüòμðÃð ÙðõâÚðãðçð çðòèÃð* Includes accumulated depreciation of Rs. 97,06,81 Thousand upto March 31, 2007 set off against original cost, upon revaluation.¡Ððôçðõμðó 11 - ¡ÐÚð ¡ðòçÃðÚððü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 11 - OTHER ASSETS As on 31-Mar-07 As on 31-Mar-06I. ¡üÃðÜ - ¨îðÚððáâðÚð çðÙððÚðð÷¸ðÐð (òÐðãðâð) / Inter-office adjustment (net) 11 94 07 –II. £ÑðòμðÃð ×Úðð¸ð / Interest accrued 827 53 38 695 77 26III. ¡ò±ßÙð ÞÑð çð÷ ÑßÇÄð ¨îÜ / çßð÷Ãð ÑðÜ ¨îÜ ¨îó ¨î¾ðøÃðó (òÐðãðâð)Tax paid in advance / tax deducted at source (net) 2110 33 23 2014 46 31IV. âð÷®ðÐð çððÙð±ßó ¦ãðü ç¾ðùÙÑð / Stationery and Stamps 1 02 52 41 98V. Çðãðð÷ü ¨÷î òÐðÑð¾ðÐð Ùð÷ü ÑßðÑÃð ¨îó ±ðýá ±ðøÜ- ×ðøü¨î¨îðÜó ¡ðòçÃðÚððüNon-banking assets acquired in satisfaction of claims – 122 60 60VI. ¦çð¦¦çð¦Òî ¨îð÷ ¡üüÃðòÜÃð ÙððÙðâðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ãÚðÚð / çðüòãðÃðÜÂðExpenses / Disbursements in respect of cases transferred to SASF 10 77 50 9 09 46VII.ãðó¡ðܦçð çðü×ðüÏðó ãÚðÚð ò¸ðÐè÷ü ×ð¾þ¾÷ ®ððÃð÷ Ùð÷ü Ððèóü Àðâðð ±ðÚððVRS expenses not written-off 33 04 81 46 79 77VIII. ¡ðçÆðò±ðÃð ¨îÜ ¡ðòçÃðÚððü (òÐðãðâð)Deferred Tax Assets (Net) 2 03 17 21 56 77IX. ¡ÐÚð / Others 3082 56 64 1424 60 94-------------------------------- --------------------------------¨ôîâð / TOTAL 6079 25 32 4335 33 09============ ============129

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 12- ¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦ü ÚðÆðð 31 Ùððμðá 2007 ÚðÆðð 31 Ùððμðá 2006SCHEDULE 12 - CONTINGENT LIABILITIES As on 31-Mar-07 As on 31-Mar-06I. ×ðøÈ¨î ¨÷î òãðÝÊ Çðãð÷ ò¸ðÐè÷ü ¥Âð ÐðèóÈ ÙððÐðð ±ðÚððClaims against the Bank not acknowledged as debts 680 91 90 385 86 98II. ¡üäðÃð: ÑßÇÄð òÐðãð÷äðð÷ü ¨÷î òâð¦ Ç÷ÚðÃððLiability for partly paid investments – –III. ×ð¨îðÚðð ãððÚðÇð òãðòÐðÙðÚð çðüòãðÇð¡ð÷ü ¨÷î ¨îðÜÂð Ç÷ÚðÃððLiability on account of outstanding forward exchange contracts 17708 91 00 19570 55 09IV. çðü³ð¾¨îð÷ü ¨îó ¡ð÷Ü çð÷ Çó ±ðýá ±ððÜüò¾ÚððüGuarantees given on behalf of constituents¨î) ØððÜÃð Ùð÷üa) in India 8081 45 05 4022 88 64®ð) ØððÜÃð ¨÷î ×ððèÜb) outside India 121 44 62 4 58 64V. çãðó¨öîòÃðÚððü, ÑðÜðü¨îÐð ¡ðøÜ ¡ÐÚð ÇðòÚðÃãðAcceptances, endorsements and other obligations 8227 54 14 5829 20 69VI. ÙðôÍð-çãðøÑð / Currency Swaps 7134 77 73 6740 62 38VII. ¡ðùÑäðÐçð / Options 5299 32 20 6551 05 01VIII. ×Úðð¸ð ÇÜ çãðøÑð / Interest Rate Swaps 58948 78 00 31374 37 92IX. ãððÚðÇð ÇÜ ¨îÜðÜ / Forward Rate Agreements 712 36 62 635 88 99X. Ñðõü¸ðó±ðÃð ÑßòÃð×ðÊÃðð / Capital commitment 18 17 48 30 46 43XI. òãðãððòÇÃð ¡ðÚð¨îÜ, ×Úðð¸ð ¨îÜ, ¸ðôÙððáÐðð ¡ðøÜ ×Úðð¸ð Ùððü±ð ¨÷î ¨îðÜÂð*On account of disputed Income tax, Interest tax, penalty and interest demands* 1584 94 69 1556 67 97XII. ¡ÐÚð ÙðÇ÷ü ò¸ðÐð¨÷î òâð¦ ×ðøü¨î ¡ð¨îòçÙð¨î ÞÑð çð÷ ò¸ðÙÙð÷ÇðÜ èøOther items for which the bank is contingently liable 11 40 00 320 55 04---------------------------------------- ----------------------------------------¨ôîâð / TOTAL 108530 03 43 77022 73 78============== ==============* òãðãððòÇÃð ¨îÜ Ç÷ÚðÃðð¡ð÷ü ¨÷î ¨îðÜÂð 3290,42,22 è¸ððÜ ÝÑðÚð÷ (3441,63,08 è¸ððÜ ÝÑðÚð÷) ¨îó ¡òÃðòÜ©Ãð Ùððü±ð ¨îó ±ðýá . £©Ãð Ùððü±ð Ùð÷ü 1705,47,53 è¸ððÜ ÝÑðÚð÷(1884,95,11 è¸ððÜ ÝÑðÚð÷) ¨îó ¦÷çðó Üðòäð äððòÙðâð èø ò¸ðçð¨÷î çðü×ðüÏð Ùð÷ü òÑðâð÷ ãðæðð÷áÈ Ùð÷ü ×ðøü¨î ¨÷î ¡ÑðÐð÷ ÙððÙðâðð÷ü Ùð÷ü ¡Ððô¨õîâð ¡ÑðóâðóÚð òÐðÂðáÚð ¡ðÚð÷ èøü. òÐðãðâð¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦ü 1584,94,69 è¸ððÜ ÝÑðÚð÷ (1556,67,97 è¸ððÜ ÝÑðÚð÷) èøü.* Additional demands raised on account of disputed tax liabilities is Rs.3290,42,22 thousand (Rs. 3441,63,08 Thousand). Thedemand includes Rs.1705,47,53 thousand (Rs. 1884,95,11 Thousand) in respect of which the Bank has favourable appellatedecisions in its own cases in earlier years. The net contingent liability is Rs. 1584,94,69 thousand (Rs. 1556,67,97 Thousand).130

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 13 - ¡ò¸ðáÃð ×Úðð¸ð 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 13 - INTEREST EARNED Year ended Year ended31-Mar-07 31-Mar-06I. ¡ò±ßÙðð÷ü / ò×ðâðð÷ü ÑðÜ ×Úðð¸ð / ×ð¾þ¾ð / Interest / discount on advances / bills 5411 63 46 4502 06 20II. òÐðãð÷äð çð÷ ¡ðÚð / Income on investments 1000 37 78 824 65 66III. òܺðãðá ×ðøü¨î Ùð÷ü äð÷æð ÜðòäðÚðð÷ü / ¡ÐÚð ¡üÃðÜ ×ðøü¨î òÐðòÏðÚðð÷ü ÑðÜ ×Úðð¸ðInterest on balances with RBI and other inter-bank funds 83 37 81 120 65 93IV. ¡ÐÚð / Others 61 04 90 96 27 00-------------------------------- --------------------------------¨ôîâð / TOTAL 6556 43 95 5543 64 79============ ============¡Ððôçðõμðó 14 - ¡ÐÚð ¡ðÚð 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 14 - OTHER INCOME Year ended Year ended31-Mar-07 31-Mar-06I. ¨îÙðóäðÐð, òãðòÐðÙðÚð ¦ãðü Çâððâðó / Commission, exchange and brokerage 280 11 41 283 57 20II. òÐðãð÷äðð÷ü ¨÷î òãðªîÚð ÑðÜ âððØð (òÐðãðâð) / Profit on sale of investments (net) 255 27 07 664 43 30III. òÐðãð÷äðð÷ü ¨÷î ÑðôÐðÙðáõâÚðÐð ÑðÜ âððØð / (èðòÐð) (òÐðãðâð)Profit / (Loss) on revaluation of investments (net) (19 55 92) –IV. ØðõòÙð, ØðãðÐð ¡ðøÜ ¡ÐÚð ¡ðòçÃðÚðð÷ü ¨îó ò×ðªîó ÑðÜ âððØð / (èðòÐð) (òÐðãðâð)Profit / (Loss) on sale of land, bulidings and other assets (net) 178 45 39 6 11 03V. òãðòÐðÙðÚð çððøÇð÷ü / À÷òÜãð÷ò¾ãð ÑðÜ âððØð (òÐðãðâð) / Profit on exchange transactions/Derivatives (net) 39 57 37 59 01 68VI. òãðÇ÷äð / ØððÜÃð Ùð÷ü òçÆðÃð çðèðÚð¨î ¨üîÑðòÐðÚðð÷ü ¡ðøÜ /Úðð çðüÚðô©Ãð £ÌðÙðð÷ü çð÷ âððØððüäð ¡ðÚðDividend income from subsidiary companies and/orjoint ventures abroad / in India 11 69 14 22 42 88VII. òãðòãðÏð ¡ðÚð (ò¸ðçðÙð÷ü âðóºð ¡ðÚð äððòÙðâð èø)Miscellaneous Income (including lease income) 214 83 69 235 50 50-------------------------------- --------------------------------¨ôîâð / TOTAL 960 38 15 1271 06 59============ ============¡Ððôçðõμðó 15 - ×Úðð¸ð ®ðμðá 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 15 - INTEREST EXPENDED Year ended Year ended31-Mar-07 31-Mar-06I. ¸ðÙððÜðòäðÚðð÷ü ÑðÜ ×Úðð¸ðInterest on deposits 1993 34 16 911 75 97II. ØððÜÃðóÚð òܺðãðá ×ðøü¨î / ¡üÃðÜ ×ðøü¨î £ÏððÜ ÜðòäðÚðð÷ü ÑðÜ ×Úðð¸ðInterest on Reserve Bank of India / inter-bank borrowings 246 13 18 224 76 02III. ¡ÐÚð / Others 3590 89 27 3978 53 46-------------------------------- --------------------------------¨ôîâð / TOTAL 5830 36 61 5115 05 46============ ============131

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)¡Ððôçðõμðó 16 - ÑðòÜμððâðÐð ãÚðÚð 31 Ùððμðá 2007 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSCHEDULE 16 - OPERATING EXPENSES Year ended Year ended31-Mar-07 31-Mar-06I. ¨îÙðáμððòÜÚðð÷ü ¨îð÷ Øðô±ðÃððÐð ¡ðøÜ £Ðð¨÷î òâð¦ ÑßðãðÏððÐð (×ð¾þ¾÷ ®ððÃð÷ Àðâð÷ ±ðÚð÷ãðó¡ðܦçð ãÚðÚð çðòèÃð)*Payments to and provisions of employees( includingVRS expenditure written off)* 295 50 10 328 86 40II. ò¨îÜðÚðð, ¨îÜ ¡ðøÜ ò×ð¸ðâðó** / Rent, taxes and lighting** 75 71 27 69 96 73III. ÙðôÍÂð ¡ðøÜ âð÷®ðÐð çððÙð±ßó / Printing and stationery 16 42 60 16 53 60IV. òãðìððÑðÐð ¡ðøÜ ÑßμððÜ / Advertisement and publicity 11 71 44 17 69 70V. ×ðøü¨î ¨îó çðüÑðòÄðÚðð÷ü ÑðÜ ÙðõâÚðã¸çð / Depreciation on bank’s property 68 53 03 51 41 10VI. âðóºð ÑðÜ Çó ±ðýá ¡ðòçÃðÚðð÷ü ÑðÜ ÙðõâÚðã¸çð / Depreciation on leased assets 60 52 93 96 02 08VII. òÐðÇ÷äð¨îð÷ü ¨îó Òîóçð, ØðÄð÷ ¡ðøÜ ãÚðÚð / Director’s fees, allowances and expenses 38 42 33 28VIII. âð÷®ðð ÑðÜóêð¨ ð÷ü ¨îó Òîóçð ¡ðøÜ ãÚðÚð / Auditors’ fees and expenses 1 23 32 1 21 34IX. òãðòÏð ÑßØððÜ / Law Charges 5 71 94 7 58 73X. Àð¨î ®ðμðá, ÃððÜ, ¾÷âðóÒîð÷Ðð ¡ðòÇ / Postage, Telegram, Telephone, etc. 32 69 79 29 74 36XI. ÙðÜÙÙðÃð ¡ðøÜ Ü®ðÜ®ððãð / Repairs and maintenance 35 81 24 28 85 06XII. ×ðóÙðð / Insurance 32 02 66 17 02 85XIII.¡ÐÚð ãÚðÚð / Other expenditure 177 17 69 238 93 22-------------------------------- --------------------------------¨ôîâð / TOTAL 813 46 43 904 18 43============ ============* òÑðâð÷ ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü Ùð÷ü ãð÷ÃðÐðÙððÐðð÷ü Ùð÷ü 1 Ððãðü×ðÜ,2002 çð÷ çðüäðð÷ÏðÐð ¨÷î òâð¦ 110, 20, 00 è¸ððÜ ÝÑðÚð÷ ¨îð ÑßðãðÏððÐð äððòÙðâð èø.* Previous year‘s figure includes provision of Rs.110,20,00 Thousand for revision of pay scales w.e.f. November 1, 2002** ýçðÙð÷ü ¨îðÚððáâðÚð ¡ðøÜ ¨îÙðáμððÜó çðü×ðüÏðó ¡ðãððçðóÚð ÑðòÜçðÜð÷ü ¨÷î ÑðòÜμððâðÐð âðóºð ò¨îÜðÚð÷ ¨îó Üðòäð äððòÙðâð èø.** Includes operating lease rentals for office and employee related residential premises.132

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)¡Ððôçðõμðó 17 : ÙðèÃãðÑðõÂðá âð÷®ððü¨îÐð ÐðóòÃðÚððüSCHEDULES 17 : SIGNIFICANT ACCOUNTING POLICIESòÜÑðð÷ò¾áȱð ¨üîÑðÐðó ¡ðøÜ ýçð¨îó çðèðÚð¨î çðüçÆðð¡ð÷ü ¨îó ¡òÏð¨îðüäð âð÷®ððü¨îÐð ÐðóòÃðÚððü ¦¨î çðÙððÐð èøÈ. ÃðÆððòÑð, ¨ôî çðèðÚð¨î çðüçÆðð¡ð÷ü¨î÷ ¨îðÜð÷×ððÜ μðõüò¨î òÜÑðð÷ò¾üá±ð ¨üîÑðÐðó ¨÷î ¨îðÜð÷×ððÜ çð÷ ¡âð±ð èøÈ ¡ðøÜ ãð÷ ¡âð±ð òãðòÐðÚððÙð¨î ãððÃððãðÜÂð Ùð÷ü ¨îðÚðá ¨îÜÃðó èøÈ, ¡Ãð: òÐðãð÷äð,ÙðõâÚðãðçð/ÑðòÜäðð÷ÏðÐð ¡ðòÇ çð÷ çðü×ðüòÏðÃð ¨ôî âð÷®ððü¨îÐð ÐðóòÃðÚððü ¡âð±ð èøÈ. çðØðó ¨üîÑðòÐðÚðð÷ü ¨îó âð÷®ððü¨îÐð ÐðóòÃðÚððü ØððÜÃð Ùð÷ü çððÙððÐÚðÃð:ÙððÐÚð âð÷®ððü¨îÐð òçðÊðÐÃðð÷ü ¨÷î ¡ÐðôÞÑð èøÈ.Most of the accounting policies of the Reporting Company and those of its Subsidiaries are similar. However,since certain Subsidiaries are in businesses that are distinct from that of the Reporting Company and functionin different regulatory environments, certain accounting policies in respect of investment, depreciation/amortisation etc. differ. The accounting policies of all the Companies are in line with generally accepted accountingprinciples in India.¡Ððôçðõμðó 18 : âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ò¾ÑÑðòÂðÚððüSCHEDULES 18: NOTES FORMING PART OF THE ACCOUNTS1. çðÙð÷¨îÐð ¨÷î òçðÊðüÃðPrinciples of consolidation:çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü ýüòç¾¾þÚðõ¾ ¡ðùÒî μðð¾áÀá ¦¨îð£ü¾÷ü¾þçð ¡ðùÒî ýüòÀÚðð ÎðÜð ¸ððÜó âð÷®ððü¨îÐð ÙððÐð¨î (¦¦çð) 21 ``çðÙð÷ò¨îÃðòãðÄðóÚð òãðãðÜÂð'' Ùð÷ü òÐðÞòÑðÃð ò¨îÚð÷ ¡ÐðôçððÜ ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâð. (Ùðõâð ¨üîÑðÐðó- ``×ðøȨî'') ¡ðøÜ ýçð¨îó çðØðóçðèðÚð¨î çðüçÆðð¡ð÷ü ¨÷î âð÷®ð÷ äððòÙðâð èøÈ. çðÙð÷¨îÐð Ùð÷ü ÑßÚðô©Ãð çðèðÚð¨î çðüçÆðð¡ð÷ü/çðüÚðô©Ãð £ÌðÙðð÷ü ¨÷î òãðÄðóÚð òãðãðÜÂð £çðó òÜÑðð÷ò¾áȱð ÃððÜó®ðÃð¨î ÃðøÚððÜ ò¨îÚð÷ ±ðÚð÷ èøÈ ò¸ðçð ÃððÜó®ð Ãð¨î ¡ÆððáÃðþ 31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î òâð¦ ×ðøÈ¨î ¨÷î òãðÄðóÚð òãðãðÜÂð ÃðøÚððÜ ò¨îÚð÷±ðÚð÷ èøÈ.The consolidated financial statements include the accounts of Industrial Development Bank of India Ltd. (parentcompany – “the Bank”) and all of its subsidiaries as defined in Accounting Standard (AS) 21 ‘ConsolidatedFinancial Statements’ issued by the Institute of Chartered Accountants of India. The financial statements of thesubsidiaries/joint ventures used in the consolidation are drawn upto the same reporting date as that of the Banki.e. year ended March 31, 2007.×ðøÈ¨î ¡ðøÜ ýçð¨îó çðèðÚð¨î çðüçÆðð¡ð÷ü ¨÷î òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü ¡ðòçÃðÚðð÷ü, Ç÷ÚðÃðð¡ð÷ü, ¡ðÚð ¡ðøÜ ãÚðÚð ¸ðøçðó ÙðÇð÷ü ¨÷î ×ðèó-ÙðõâÚðð÷ü ¨îð÷Ñðüò©Ãð-ÇÜ-Ñðüò©Ãð ¡ðÏððÜ ÑðÜ ¦¨î çððÆð ¸ðð÷Àÿ¨îÜ çðÙð÷ò¨îÃð ò¨îÚðð ±ðÚðð èø.The financial statements of the Bank and its subsidiaries have been combined on a line by line basis by addingtogether the book values of like items of assets, liabilities, income & expenses.çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü ÙððÐðó ±ðýá çðèðÚð¨î çðüçÆðð¦ü òÐðÙÐðòâðò®ðÃð èøÈ :The subsidiaries considered in the consolidated financial statements are:133

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)¨üîÑðÐðó ¨îð ÐððÙð òÐð±ðÙðÐð Ç÷äð 31 Ùððμðá 2007 ¨îð÷ ÏððòÜÃðýò©ãð¾ó Ñðõü¸ðó ¨îð %Name of the companyCountry of% of equityIncorporationcapital held as atMarch 31, 2007¡ðýáÀó×ðó¡ðýá ¨øîòÑð¾âð Ùðð¨÷áî¾ çðòãðáçð÷ºð òâð. (¡ðýáçðó¦Ùð¦çð) ØððÜÃðIDBI Capital Market Services Ltd. (ICMS) India 100¡ðýáÀó×ðó¡ðýá ýü¾÷¨î òâð. (¡ðýá¡ðýá¦âð)ØððÜÃðIDBI Intech Ltd. (IIL) India 100¡ðýáÀó×ðó¡ðýá èð÷ÙðÒîðýÐðøÈçð òâð. (¡ðýá¦μð¦âð)ØððÜÃðIDBI Homefinance Ltd. (IHL) India 100¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð. (¡ðýá¸ðó¦âð)ØððÜÃðIDBI Gilts Ltd. (IGL) India 100ÚðÌðòÑð ¨îòÃðÑðÚð çðüçÆðð¡ð÷ü Ùð÷ü ×ðøÈ¨î ¨÷î Ñððçð 20% çð÷ ¡òÏð¨î ¨îð ÙðÃððòÏð¨îðÜ èø, ÃðÆððòÑð ýÐè÷ü ¦¦çð 23 ¨÷î ¡üÃð±ðáÃð çðèÚðð÷±ðó çðüçÆðð Ùð÷üòÐðãð÷äð ÐðèóÈ ÙððÐðð ¸ððÃðð èø. ýçð¨îð Ùðô®Úð ¨îðÜÂð Úðð Ãðð÷ £ââð÷®ðÐðóÚð ÑßØððãð ¨îó ¨îÙðó èø ¡Æðãðð ¦÷çð÷ òÐðãð÷äðð÷ü ¨îð÷ £çð ÃðÜè ¨îð ÙðèÃãðÑðõÂðáòÐðãð÷äð ÐðèóÈ ÙððÐðð ¸ððÃðð èø ò¸ðÐð¨îó ¦¦çð 23 `çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü çðèÚðð÷±ðó çðüçÆðð¡ð÷ü Ùð÷ü òÐðãð÷äð ¨÷î òâð¦ âð÷®ððü¨îÐð' ¨÷î¡üÃð±ðáÃð çðèÚðð÷±ðó çðüçÆðð ¨÷î ÞÑð Ùð÷ü çðÙð÷¨îÐð ¨îó ¡ðãðäÚð¨îÃðð èð÷.Though the Bank holds more than 20% of voting power in certain entities, the same are not treated as investmentin an Associate under AS 23, mainly either due to lack of significant influence or such investments are notconsidered as material investments requiring consolidation as an Associate under AS 23 ‘Accounting forInvestments in Associates in Consolidated Financial Statements’.2. çðÙðõè ¨îó çðüÜμðÐðð Ùð÷ü ÑðòÜãðÃðáÐðChanges in composition of the group31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨÷î ÇðøÜðÐð çðÙðõè ¨îó çðüÜμðÐðð Ùð÷ü òÐðÙÐðòâðò®ðÃð ÑðòÜãðÃðáÐð èô¦ èøÈ :The following changes have taken place in the composition of the group during the year ended March 31, 2007:-¡ðýáçðó¦Ùð¦çð / ICMSãðæðá ¨÷î ÇðøÜðÐð ¨üîÑðÐðó Ðð÷ ¨üîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 ÃðÆðð Ñßðýãð÷¾ òâðòÙð¾÷À ¨üîÑðÐðó ¦ãðü ¡çðõμðó×ðÊ Ñðò×âð¨î òâðòÙð¾÷À ¨üîÑðÐðó (ÑßòÃðØðõòÃðÚðð÷ü¨îó ÑðôÐð®ðáÜóÇ) òÐðÚðÙð, 1999 ¨÷î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçððÜ ÑßÃÚð÷¨î 10 ÝÑðÚð÷ ¡üò¨îÃð ÙðõâÚð ¨÷î ýò©ãð¾ó äð÷ÚðÜ ¨îó ÑßòÃð äð÷ÚðÜ 58 ÝÑðÚð÷¨îó ÇÜ çð÷ 100 âðð®ð ÑðõÂðáÃð: ÑßÇÄð ýò©ãð¾ó äð÷ÚðÜð÷ü ¨îð (òÑðâð÷ ãðæðá- ÑßÃÚð÷¨î 10 ÝÑðÚð÷ ¡üò¨îÃð ÙðõâÚð ¨÷î 321 âðð®ð ÑðõÂðáÃð: ÑßÇÄð ýò©ãð¾óäð÷ÚðÜð÷ü ¨îó 27 ÝÑðÚð÷ ÑßòÃð ýò©ãð¾ó äð÷ÚðÜ ¨îó ÇÜ çð÷) ÑðôÐð:®ðÜóÇ ¨îó. ÃðÇÐðôçððÜ ¨üîÑðÐðó ¡òÏðòÐðÚðÙð, 1956 ¨îó ÏððÜð 77 ¦ ¨îó¡Ñð÷êððÐðôçððÜ, ®ðÜóÇ÷ ±ð¦ äð÷ÚðÜð÷ü ¨÷î ¡üò¨îÃð ÙðõâÚð ¨÷î ×ðÜð×ðÜ ¡ÆððáÃðþ ¨ôîâð 1000 âðð®ð ÝÑðÚð÷ (òÑðâð÷ ãðæðá - ¨ôîâð 3210 âðð®ð ÝÑðÚð÷),òÐð×ðáÈÏð ¡ðÜòêðÃð òÐðòÏð çð÷ Ñðõü¸ðó±ðÃð ÑßòÃðÇðÐð ¡ðÜòêðÃð òÐðòÏð ®ððÃð÷ Ùð÷ü ¡üÃðòÜÃð ò¨î¦ ±ð¦. ýçð¨÷î ¡òÃðòÜ©Ãð 4800 âðð®ð ÝÑðÚð÷ (òÑðâð÷ãðæðá-5457 âðð®ð ÝÑðÚð÷) ¨îó òÐð×ðáÈÏð ¡ðÜòêðÃð òÐðòÏðÚððü, ¸ðð÷ ÑßóòÙðÚðÙð Üðòäð ¨îð÷ òÐðÞòÑðÃð ¨îÜÃðó èøÈ, ¨îð ÑßÚðð÷±ð äð÷ÚðÜð÷ü ¨îó ÑðôÐð: ®ðÜóǨ÷î òâð¦ ò¨îÚðð ±ðÚðð.The Company, during the year, bought back 100 Lakhs fully paid up equity shares of face value of Rs. 10 each atRs. 58 per equity shares (Previous Year – Rs 321 Lakhs fully paid up equity shares of face value of Rs. 10 eachat Rs. 27 per equity shares) in accordance with the provisions of the Companies Act, 1956 and the Private134

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)Limited Company and Unlisted Public Limited Company (Buy Back of Securities) Rules, 1999. Accordingly, asum equal to the nominal value of the shares purchased aggregating Rs. 1000 Lakhs (Previous Year – Rs 3210Lakhs) has been transferred from free reserve to Capital Redemption Reserve Account as required by Section77A of the Companies Act, 1956. Further, free reserves aggregating Rs. 4800 Lakhs (Previous Year – Rs 5457Lakhs) representing premium amount have been utilized for payment of buy-back of shares.¡ðýá¡ðýá¦âð / IILãðæðá ¨÷î ÇðøÜðÐð ¨üîÑðÐðó Ðð÷ ýò©ãð¾ó äð÷ÚðÜ Ñðõü¸ðó Ùð÷ü ¡òØðÇðÐð ¨÷î òâð¦ ÑßðÑÃð ¡ò±ßÙð ¨÷î ×ðÇâð÷ ¡ðýáÀó×ðó¡ðýá òâð. ¨îð÷ 10/- Ý. ÑßòÃð ýò©ãð¾óäð÷ÚðÜ ¨÷î äðõÐÚð (35,00,000) äð÷ÚðÜ ¡ð×ðüò¾Ãð ò¨î¦ ÃðÆðð ò¨îÜðÚð÷, ¨îÜ, ãð÷ÃðÐð (Ñðõãðá-ÑßòÃðòÐðÚðô©Ãðð÷ü çðòèÃð), ÑßòÃðÑðõòÃðá ãð ¡ÐÚð ýçðó Ñߨîðܨ÷î ÑßäððçðòÐð¨î ãÚðÚðð÷ü ¨÷î òâð¦ ÑßðÑÃð ¡ò±ßÙð ¨÷î òÐðÑð¾ðÐð ¨÷î ÞÑð Ùð÷ü 10/- Ý. ÑßòÃð ýò©ãð¾ó äð÷ÚðÜ ãððâð÷ äðõÐÚð (15,28,200) äð÷ÚðÜ ¡ð×ðüò¾Ãðò¨î¦.During the year, the company has allotted Nil (35,00,000) equity Shares of Rs.10/- each to IDBI Ltd. onaccount of advance received towards subscription to equity share capital and NIL (15,28,200) equity shares ofRs.10/-each in settlement of advance received towards rent, taxes, salaries (including those of ex-deputationists),reimbursement & other similar administrative expenses¡ðýá¸ðó¦âð / IGLãðæðá ¨÷î ÇðøÜðÐð ×ðøȨî Ðð÷ ÑßðýÙðÜó ÀóâðÜ ¨îð ¨îðÜð÷×ððÜ μðâððÐð÷ ¨÷î òâð¦ ÑðõÂðá çãððòÙðÃãð ãððâðó çðèðÚð¨î çðüçÆðð ¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð.ÑßãðòÃðáÃð ¨îó. ¡ðýá¸ðó¦âð Ðð÷ òãðòÐðÚððÙð¨î ¡ðøÜ ¡ÐÚð ¡ðøÑðμððòܨîÃðð¡ð÷ü ¨÷î äð÷æð ÜèÐð÷ ¨÷î ¨îðÜÂð ¡Øðó ¨îðÚðá äðôÞ ÐðèóÈ ò¨îÚðð èø.During the year the Bank promoted a wholly owned subsidiary, IDBI Gilts Ltd. to undertake the business ofPrimary Dealer. IGL is yet to commence its operations pending regulatory and other formalities.À×âÚðõ¡ðýá¾óýáçðó¦âðWITECL3 ¡©Ãðõ×ðÜ 2006 çð÷ òÇ ÚðõÐððÚð¾÷À ãð÷ç¾Ððá ×ðøȨî òâð. ¨÷î ×ðøȨî Ùð÷ü òãðâðÚð ¨÷î ÒîâðçãðÞÑð ×ðøÈ¨î ¨îð÷ òÇ ãð÷ç¾Ððá ýüòÀÚðð ¾àç¾ó ¦üÀ ¦ò©¸ð©Úðõ¾Ü¨üîÑðÐðó òâð. (À×âÚðõ¡ðýá¾óýáçðó¦âð) ¨îó ýò©ãð¾ó ¨îð 71% òèççðð ÑßðÑÃð èô¡ð. ÃðÃÑðäμððÃðþ, ×ðøȨî Ðð÷ À×âÚðõ¡ðýá¾óýáçðó¦âð ¨îó ýò©ãð¾ó ¨îð49% òèççðð ¡ðýáÀó×ðó¡ðýá ¾àç¾óòäðÑð çðòãðáçð÷¸ð òâð., ò¸ðçðÙð÷ü ¡ðýáÀó×ðó¡ðýá ¨îó 40% ýò©ãð¾ó èø, ¨îð÷ Ç÷ òÇÚðð. ýçð¨÷î ÒîâðçãðÞÑðÀ×âÚðõ¡ðýá¾óýáçðó¦âð ¡×ð ×ðøÈ¨î ¨îó çðèðÚð¨î çðüçÆðð ÐðèóÈ Üèó èø.Consequent to merger of The United Western Bank Ltd. with the Bank with effect from October 3, 2006, theBank was vested with 71% of the equity of The Western India Trustee and Executor Company Ltd. (WITECL)Subsequently, the Bank disposed of 49% of the equity of WITECL to IDBI Trusteeship Services Ltd., an entityin which the Bank holds 40% of the equity. WITECL has consequently ceased to be a subsidiary of the Bank.çðüÚðô©Ãð £ÌðÙð / Joint VentureØððÜÃð Ùð÷ü òÐð±ðòÙðÃð ¨üîÑðÐðó ¡ðýáÀó×ðó¡ðýá Òîð÷ò¾áçð âððýÒî ýüäÚðð÷Ü÷üçð òâð. ¨îð÷ òÇÐððü¨î 23 Ððãðü×ðÜ 2006 ¨÷î çðèÙðòÃð ìððÑðÐð ¨÷î ¡ÐðôÞÑðçðüÚðô©Ãð £ÌðÙð ÙððÐðð ±ðÚðð èø ò¸ðçðÙð÷ü òÇ Ò÷îÀÜâð ×ðøȨî òâð. ÃðÆðð Òîð÷ò¾áçð ýüäÚðð÷Ü÷üçð ýü¾ÜÐð÷äðÐðâð ¦Ðð.ãðó. ¨÷î çððÆð ×ðøȨî çðüÚðô©Ãð ÞÑð çð÷äð÷ÚðÜÏððܨî èø. μðõüò¨î ¨üîÑðÐðó Ðð÷ ÑðòÜμððâðÐð ¡ðÜüØð ÐðèóÈ ò¨îÚðð èø ÃðÆðð ýçð¨îð Ñðèâðð âð÷®ððü¨îÐð ãðæðá 31 Ùððμðá 2008 ¨îð÷ çðÙððÑÃð ¡ãðòÏð¨÷î òâð¦ èð÷±ðð ýçðòâð¦ ýçð ¡ãðòÏð ¨÷î ÇðøÜðÐð ¨üîÑðÐðó ÎðÜð ò¨î¦ ±ð¦ ÑßðÜüòØð¨î ®ðμðð÷áÈ ¨îð Ñߨî¾Ðð ÐðèóÈ ò¨îÚðð ±ðÚðð èø.IDBI Fortis Life Insurance Ltd., a company incorporated in India pursuent to memorandum of understandingdated November 23, 2006, in which the Bank is a shareholder jointly with The Federal Bank Ltd. and FortisInsurance International N. V., has been considered as a Joint Venture. Since, the company has not commencedoperations and its first accounting year shall be for the period ending on March 31, 2008, no disclosure hasbeen made for the preliminary expenses incurred by the company during the period.135

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)3. òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð. ¨îð çðÙððÙð÷âðÐðAmalgamation of The United Western Bank Ltd.¨î. ×ðøȨî¨îðÜó òãðòÐðÚðÙðÐð ¡òÏðòÐðÚðÙð, 1949 ¨îó ÏððÜð 45(7) ¨÷î ¡üÃð±ðáÃð ¡òÏð¨îðÜð÷ü ¨îð ÑßÚðð÷±ð ¨îÜÃð÷ èô¦ ØððÜÃð çðܨîðÜî Ðð÷ Çð÷Ððð÷ü×ðøÈò¨üî±ð ¨üîÑðòÐðÚðð÷ü, ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâð.(¡üÃðòÜÃðó ×ðøȨî) ¨÷î çððÆð òÇ ÚðõÐððý¾÷À ãð÷ç¾Ððá ×ðøȨî òâð.(¡üÃðÜÂð¨îÃððá ×ðøȨî) ¨÷î çðÙððÙð÷âðÐð ¨îó Úðð÷¸ðÐðð (Úðð÷¸ðÐðð) ¨îð÷ Ùðü¸ðõÜó ÑßÇðÐð ¨îó èø ¡ðøÜ 3 ¡©Ãðõ×ðÜ 2006 ¨îð÷ òÐðÚðÃð ÃððÜó®ð ¨÷îÞÑð Ùð÷ü òÐðòÇáæ¾ ò¨îÚðð èø ¸ðð÷ âð÷®ððü¨îÐð ¨÷î £É÷äÚð çð÷ çðÙððÙð÷âðÐð ¨îó ÑßØððãðó ÃððÜó®ð èø.a. In exercise of powers under Section 45(7) of the Banking Regulation Act, 1949, Government of India(GOI) has sanctioned the Scheme of Amalgamation (the “Scheme”) of The United Western Bank Ltd.,(the “Transferor Bank”), with the Industrial Development Bank of India Ltd. (the “Transferee Bank”), bothbanking companies, and specified October 3, 2006 as the prescribed date, which is the effective date ofamalgamation for accounting purposes.®ð. çðÐðÇó âð÷®ðð¨îðÜð÷ü ¨îó çãðÃðüëð ÒîÙðá ÎðÜð ÑßÙððòÂðÃð ¨îÜÐð÷ ¡ðøÜ Ððóμð÷ ÑðøÜð±ßðÒî 3 ´ Ùð÷ü ãðòÂðáÃð çðÙððÚðð÷¸ðÐðð÷ü ¨îð÷ ÑßØððãðó ¨îÜÐð÷ ¨÷î×ððÇ Úðð÷¸ðÐðð ¨îó äðÃðð÷áÈ ¨÷î ¡ÐðôçððÜ òÐðÚðÃð ÃððÜó®ð çð÷ ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨î÷ çðÙðçÃð ¨îðÜð÷×ððÜ, ¡ðòçÃðÚðð÷ü ¦ãðü Ç÷ÚðÃðð¡ð÷ü ¨îð÷¡üÃðòÜÃðó ×ðøÈ¨î ¨îð÷ òÐðÙÐðòâðò®ðÃð ÙðõâÚðð÷ü ÑðÜ ¡üÃðòÜÃð ò¨îÚðð ±ðÚðð èø :b. In terms of the Scheme all business, assets and liabilities of the Transferor Bank have been transferred tothe Transferee Bank with effect from the prescribed date at the following values, as certified by anindependent firm of Chartered Accountants, and after giving effect to the adjustments described in paragraph3.e hereunder:Ç÷ÚðÃðð¦ü è¸ððÜ ÝÑðÚð÷ ¡ðòçÃðÚððü è¸ððÜ ÝÑðÚð÷Liabilities Rs. ’000Assets Rs. ’000¸ðÙððÜðòäðÚððüÐð¨îÇó ¦ãðü òܺðãðá ×ðøÈ¨î ¨÷î Ñððçð äð÷æðDeposits 5625,61,96 Cash & Balances with RBI 526,34,70£ÏððÜ ÜðòäðÚððü×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð ¡ðøÜ Ùððü±ð ¦ãðü¡âÑð çðõμðÐðð ÑðÜ ÑßòÃðÇ÷Úð ÜðòäðBorrowings 26,08,63 Balances with Banks &Moneyat call & short notice 187,53,36¡ÐÚð Ç÷ÚðÃðð¦ü ¦ãðü ÑßðãðÏððÐðòÐðãð÷äðOther Liabilities & Provisions 603,11,48 Investments 1838,72,94¡ò±ßÙð (ÑßðãðÏððÐðð÷ü ¨îð÷ ³ð¾ð¨îÜ)Advances (net of provisions) 2988,03,30¡μðâð ¡ðòçÃðÚððüFixed Assets 99,05,75¡ÐÚð ¡ðòçÃðÚððüOther Assets 125,42,17¨ôîâð / Total 6254,82,07 ¨ôîâð / Total 5765,12,22¡ð¨îòçÙð¨î Ç÷ÚðÃðð¦üContingent Liabilities 753,30,53ãðçðõâðó ¨÷î òâð¦ ò×ðâðBills for collection 331,51,80¡ðòçÃðÚðð÷ü ÑðÜ Ç÷ÚðÃðð¡ð÷ü ¨îð ¡ðòÏð©ÚðExcess of liabilities over assets 489,69,85136

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)±ð. âð÷®ððü¨îÐð ÙððÐð¨î 14 ``çðÙððÙð÷âðÐð ¨÷î òâð¦ âð÷®ððü¨îÐð'' Ùð÷ü òãðòÐðòÇáæ¾ ªîÚð ÑðÊòÃð ¨÷î ¡ðÏððÜ ÑðÜ çðÙððÙð÷âðÐð ¨îð÷ âð÷®ððüò¨îÃð ò¨îÚðð¸ððÃðð èø.c. The amalgamation is accounted on the basis of Purchase Method specified in AS 14 ‘Accounting forAmalgamation’.³ð. Úðð÷¸ðÐðð ¨÷î ¡ÐðôçððÜ ¡üÃðòÜÃðó ×ðøȨî Ðð÷ òÐðÚðÃð ÃððÜó®ð ¨îð÷ ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨÷î Ñðü¸ðó¨öîÃð äð÷ÚðÜÏððܨîð÷ü ¨îð÷ ¦÷çð÷ äð÷ÚðÜð÷ü Ùð÷ü £Ðð¨÷îòèÃð ¨÷î 150,55,00 è¸ððÜ ÝÑðÚð÷ ¨÷î £Ðð¨÷î Çðãð÷ ¨÷î ¡ðüòäð¨î Øðô±ðÃððÐð çãðÞÑð ÑßÃÚð÷¨î ÑðõÂðáÃð: ÑßÇÄð äð÷ÚðÜ ¨÷î òâð¦ 28 ÝÑðÚð÷(¡¾þ¿ðýçð ÝÑðÚð÷) ¨îð Øðô±ðÃððÐð ò¨îÚðð.d. As per the Scheme, the Transferee Bank made a payment of Rs.28 (Rupees Twenty Eight) in respect ofevery fully paid–up share to the registered shareholders of the Transferor Bank on the prescribed date, inpartial satisfaction of their claim amounting to Rs.150,55,00 Thousand towards their interest in suchshares.´. Úðð÷¸ðÐðð Ùð÷ü ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨÷î ¡ò±ßÙðð÷ü ¨îð÷ ``äðð÷ÏÚð ¦ãðü Ãðèîðâð ãðçðõâðó Úðð÷±Úð ÙððÐð÷ ±ðÚð÷ ¡ò±ßÙð'' ¡ðøÜ ``Ãðèîðâð Ðð ãðçðõâðóÚðð÷±Úð ¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚð Úðð çðüòDZÏð ÙððÐð÷ ±ðÚð÷ ¡ò±ßÙð'' ÐððÙð¨î Çð÷ å÷òÂðÚðð÷ü Ùð÷ü ãð±ðóá¨öîÃð ¨îÜÐð÷ ¨îð ÑßðãðÏððÐðèø. çðÐðÇó âð÷®ðð¨îðÜð÷ü ¨îó çãðÃðüëð ÒîÙðá ¨îó òÜÑðð÷¾á ¨÷î ¡ðÏððÜ ÑðÜ ``Ãðèîðâð Ðð ãðçðõâðó Úðð÷±Úð ¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚðÚðð çðüòDZÏð ÙððÐð÷ ±ð¦'' ¡ò±ßÙðð÷ü ¨÷î ÑßòÃð 364,00,00 è¸ððÜ ÝÑðÚð÷ ¨îð ÑßðãðÏððÐð ò¨îÚðð ±ðÚðð èø. ×ðøȨî ``Ãðèîðâð Ðð ãðçðõâðó Úðð÷±Úð¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚð Úðð çðüòDZÏð ¡ò±ßÙðð÷ü'' ¨÷î ÑßòÃð ¡üòÃðÙð ãðçðõâðó ¨îð òÐðÏððáÜÂð ¨îÜÐð÷ ¨÷î òâð¦ ìððÑðÐð òܨîðÀáÜ®ð Üèð èø. ``Ãðèîðâð Ðð ãðçðõâðó Úðð÷±Úð ¡ðøÜ / Úðð ãðçðõâðó ¨÷î òâ𦠡äðð÷ÏÚð Úðð çðüòDZÏð ¡ò±ßÙðð÷ü'' çð÷ èð÷Ðð÷ ãððâðó ¡üòÃðÙð ãðçðõâðó£Ðð¨÷î ¡òÏð±ßèÂð ÙðõâÚð çð÷ ¡òÏð¨î èð÷Ðð÷ ¨îó òçÆðòÃð Ùð÷ü ÃðÆðð Úðð÷¸ðÐðð Ùð÷ü òÐðòÇáæ¾ ÙðÇð÷ü ¨÷î ÑßØððãð ÑðÜ òãðμððÜ ¨îÜÐð÷ ¨÷î ×ððÇ ¡ðòÏð©ÚðÜðòäð Úðð÷¸ðÐðð Ùð÷ü òǦ ±ð¦ ¡ÐðôçððÜ ×ððÜè ãðæðá ¨îó ¡ãðòÏð ¨÷î ×ððÇ Úðð £çðçð÷ Ñðèâð÷ ×ðøÈ¨î ¨÷î ÑðõãðáãðÃðóá äð÷ÚðÜÏððܨîð÷ü Ùð÷ü òãðÃðòÜÃð¨îó ¸ðð¦±ðó.e. The Scheme provides for classification of the Transferor Bank’s advances into two categories namely,“Advances considered good and readily realizable” and “Advances considered not readily realizable and/or bad or doubtful of recovery”. Provision of Rs.364,00,00 Thousand has been made against advances thathave been “considered not readily realizable and/or bad or doubtful of recovery”, based on the report ofan independent firm of Chartered Accountants. Bank is maintaining memorandum records for ascertainingthe ultimate realization against the “Advances considered not readily realizable and/or bad or doubtful ofrecovery”. In the event of ultimate realization from the “Advances considered not readily realizable and/or bad or doubtful of recovery” being in excess of the value at which they are taken over and afterconsidering the effect of items specified in the Scheme, the surplus will be distributed to the erstwhileshareholders of the Transferor Bank after a period of twelve years or earlier, as prescribed under theScheme.μð. òܺðãðá ×ðøÈ¨î ¨÷î ¡ÐðôÙðð÷ÇÐð ¨÷î £ÑðÜðüÃð ¡ðòçÃðÚðð÷ü ÑðÜ Ç÷ÚðÃðð¡ð÷ü ¨÷î ¨ôîâð ¡ðòÏð©Úð (489, 69,85 è¸ððÜ ÝÑðÚð÷ ) ¡ðøÜ ¡ÑðÔüî¾ ÑßòÃðÒîâð(150,55,00 è¸ððÜ ÝÑðÚð÷) ¨ôîâð òÙðâðð¨îÜ 640,24,85 è¸ððÜ ÝÑðÚð÷ ¨îð÷ òÇÐððü¨î 3 ¡©Ãðõ×ðÜ 2006 ¨îð÷ ¡üÃðòÜÃðó ×ðøÈ¨î ¨÷î çððÙððÐÚðòܺðãðá Ùð÷ü £Ñðâð×Ïð äð÷æð Üðòäð çð÷ çðÙððÚðð÷ò¸ðÃð ò¨îÚðð ±ðÚðð èø.f. Pursuant to approval of the RBI, the aggregate of the excess of liabilities over assets (Rs.489,69,85 Thousand)and upfront consideration (Rs.150,55,00 Thousand) aggregating to Rs.640,24,85 Thousand has been adjustedagainst the balance available in General Reserve of the Transferee Bank as on October 3, 2006.. μððâðõ ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü Ùð÷ü ¡üÃðÜÂð¨îÃððá ×ðøÈ¨î ¨÷î ¡ðü¨îÀÿ÷ Øðó äððòÙðâð èøÈ ¡Ãð: òÑðâð÷ ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü çð÷ ÑðõÜó ÃðÜè çð÷ ÃðôâðÐðóÚðÐðèóÈ èøÈ.g. Figures of the current year include those relating to the Transferor Bank and hence are strictly notcomparable with the figures of the previous year.137

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)4. âð÷®ððü¨îÐð ¨îð ¡ðÏððÜBasis of accountingòãðÄðóÚð òãðãðÜÂð çððüòãðòÏð¨î ÑßðãðÏððÐðð÷ü ¨÷î ¡ÐðôçððÜ ÑððÜüÑðòܨî âðð±ðÃð ÑðÊòÃð ÃðÆðð ØððÜÃð Ùð÷ü çððÙððÐÚðÃð: ÙððÐÚð âð÷®ððü¨îÐð òçðÊðÐÃðð÷ü ¨÷î¡ÐðôÞÑð ÃðøÚððÜ ò¨îÚð÷ ¸ððÃð÷ èøÈ. çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü ¨îð÷ ÃðøÚððÜ ¨îÜÐð÷ Ùð÷ü çðÙððÐð ÑðòÜòçÆðòÃðÚðð÷ü Ùð÷ü ¦¨î çðÙððÐð âð÷ÐðÇ÷Ððð÷ü ¡ðøÜ ¡ÐÚð¨îðÚðð÷áÈ ¨÷î òâð¦ çðÙðÞÑð âð÷®ðð¨üîÐð ÐðóòÃðÚððü ÑßÚðô©Ãð ¨îó ±ðÚðó èøÈ. çððüòãðòÏð¨î/òãðòÐðÚððÙð¨î ¡ðãðäÚð¨îÃðð¡ð÷ü ¨îó Çöòæ¾ çð÷ ¸ðèðü ÚðèãÚððãðèðòܨî ÐðèóÈ èø, ãðèðü âð÷®ððü¨îÐð ÐðóòÃðÚððü çðü×ðüòÏðÃð ¨îðÐðõÐð/òãðòÐðÚððÙð¨î ÑßðòÏð¨îðòÜÚðð÷ü ¨÷î ¡òÏðÇ÷äðð÷ü ¨÷î ¡ÐðôçððÜ ¡ÑðÐððÚðó ±ðÚðó èøÈ.The financial statements are prepared as per historical cost convention in accordance with the statutoryprovisions and accounting principles generally accepted in India. The consolidated financial statements havebeen prepared using uniform accounting policies for like transactions and other events in similar circumstances.Where it is not practicable, in view of statutory/regulatory requirements, accounting policies as mandated byrespective statutes/regulatory authorities have been followed.5. ¡çÆððÚðó ÑßðãðÏððÐð ¨îð £ÑðÚðð÷±ðUtilisation of floating provision1 ¡©Ãðõ×ðÜ 2004 çð÷ Ñðèâð÷ òÐðòÙðáÃð ¡ðòçÃðÚðð÷ü ¨÷î ÙðõâÚð Ùð÷ü ò¨îçðó çðüØððòãðÃð ò±ðÜðãð¾ ¨÷î òâð¦ ÑßðãðÏððÐð ¨îÜÐð÷ è÷Ãðô 31 Ùððμðá 2005 ¨îð÷2029,31,00 è¸ððÜ ÝÑðÚð÷ ¨îó Üðòäð ¡çÆððÚðó ÑßðãðÏððÐð ¨÷î ÞÑð Ùð÷ü £Ñðâð×Ïð Æðó. òÑðâð÷ ãðæðá 2005-06 ¨÷î ÇðøÜðÐð òܺðãðá ×ðøÈ¨î ¨îó çðèÙðòÃðçð÷ òãðòäðæ¾ ÑßðãðÏððÐð ¨îÜÐð÷ / ×ð¾þ¾÷ ®ððÃð÷ ÀðâðÐð÷ ¡ðøÜ ¨ôî ¡ðòçÃðÚðð÷ü çð÷ ãðçðõâð Ðð ¨îó ±ðýá ¡ðÚð ¨îó £âð¾ Ñßòãðòæ¾ ¨îÜÐð÷ è÷Ãðô ¡çÆððÚðóÑßðãðÏððÐð ¨îð ÑðõÂðáÃð: £ÑðÚðð÷±ð ò¨îÚðð ±ðÚðð.As on March 31, 2005, a sum of Rs.2029,31,00 Thousand was available as floating provision for provisioningtowards any possible decline in value of the assets created prior to October 1, 2004. With the concurrence ofRBI, during the previous year 2005-06, the floating provision was fully utilized for making specific provisions/write-offs and reversal of unrealized income for certain assets.6. ãðæðá ¨÷î ÇðøÜðÐð ×ðøȨî Ðð÷ ¡ÑðÐðó çðüÑðòÄðÚðð÷ü ¨îð ÑðôÐðÙðõáâÚðÐð ò¨îÚðð ò¸ðÐðÙð÷ü Ôîóèð÷âÀ ØðõòÙð ¡ðøÜ ¡ðãððçðóÚð/¨îðÚððáâðÚð ØðãðÐð äððòÙðâð èøÈ ÃðÆððãÚððãðçððòÚð¨î ÞÑð çð÷ òÐðÑðôÂð çãðÃðüëð ÙðõâÚð òÐðÏððáܨîð÷ü ÎðÜð ×ðð¸ððÜ ÙðõâÚð ÑðÜ ò¨î¦ ±ð¦ ÙðõâÚðÐð ¨÷î ¡ðÏððÜ ÑðÜ 31 Ùððμðá 2007 ¨îð÷ ýÐð¨îð÷âð÷®ððüò¨îÃð ò¨îÚðð. 31 Ùððμðá 2007 ¨îð÷ òÐðãðâð ×ðèó ÙðõâÚð 529 02 00 è¸ððÜ ÝÑðÚð÷ ¡ðøÜ ÑðôÐðÙðõáâÚðÐð Üðòäð 2592 93 00 è¸ððÜ ÝÑðÚð÷ ¨÷î ×ðóμð¡üÃðÜ ¨îó òÐðãðâð Üðòäð 2063 91 00 è¸ððÜ ÝÑðÚð÷ ¨îð÷ ÑðôÐðÙðõáâÚðÐð òܺðãðá Ùð÷ü ¸ðÙðð ò¨îÚðð ±ðÚðð èø.During the year, the Bank has revalued its properties comprising Freehold Land & Residential/ Office buildingand accounted it on March 31, 2007, based on valuations made by professionally qualified independent Valuersat market value. The net appreciation of Rs.2063 91 00 Thousand arising on revaluation, being the differencebetween the net book value of Rs.529 02 00 Thousand and revalued amount of Rs.2592 93 00 Thousand as onMarch 31, 2007, has been credited to Revaluation Reserve.7. ®ðüÀ òÜÑðð÷ò¾áü±ðSegment Reporting×ðøȨî ÃðóÐð ®ðüÀð÷ü - Æðð÷¨î ×ðøÈò¨üî±ð, ®ðôÇÜð ×ðøÈò¨üî±ð ¡ðøÜ ¾à÷¸ðÜó çð÷ãðð¡ð÷ü Ùð÷ü ÑðòÜμððâðÐð ¨îÜÃðð èø. ýÐð ®ðüÀð÷ü ¨îó ÑðèμððÐð ×ðøÈ¨î ¨îó Úðð÷¸ðÐðð¡ð÷ü¦ãðü çð÷ãðð¡ð÷ü ¨îó ÑߨöîòÃð ¡ðøÜ ¸ðð÷ò®ðÙð Ñßð÷Òîðýâð, âðêÚð ±ßðè¨î Ñßð÷Òîðýâð, çðü±ð¿ÐððÃÙð¨î Áðüμðð ¡ðøÜ ¡ðüÃðòܨî òÜÑðð÷ò¾áȱð ÑßÂððâðó ÑðÜ òãðμððܨîÜÐð÷ ¨÷î ×ððÇ ®ðüÀ òÜÑðð÷ò¾áü±ð çð÷ çðü×ðüòÏðÃð âð÷®ðüð¨îÐð ÙððÐð¨î 17 ¨÷î ¡ÐðôçððÜ ¨îó ±ðýá èø. ×ðøȨî Ðð÷ ¨îðÜð÷×ððÜ ®ðüÀ ¨îð ÑßðÆðòÙð¨î ®ðüÀ ¨÷îÞÑð Ùð÷ü Ñߨî¾Ðð ò¨îÚðð èø. μðõüò¨î ×ðøȨî ØððÜÃð Ùð÷ü ÑðòÜμððâðÐð ¨îÜÃðð èø ¡Ãð: ×ðøÈ¨î ¨÷î ×ððÜ÷ Ùð÷ü Úðè ÙððÐðð ±ðÚðð èø ò¨î Úðè ¨÷îãðâð ³ðÜ÷âðõ®ðüÀ Ùð÷ü ÑðòÜμððâðÐð ¨îÜÃðð èø ¡ðøÜ ýçðòâð¦ òÜÑðð÷¾á Úðð÷±Úð ¨îð÷ýá Øððø±ðð÷òâð¨î ®ðüÀ ÐðèóÈ èø.The Bank operates in three segments Wholesale Banking, Retail Banking and Treasury Services. These segmentshave been identified in line with AS 17 on Segment Reporting after considering the nature and risk profile of theproducts and services, the target customer profile, the organization structure and the internal reporting systemof the Bank. The Bank has disclosed business segment as the Primary Segment. Since the Bank operates in India,138

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)the Bank is considered to operate only in the domestic segment and as such there are no reportable geographicalsegments®üðÀ Üð¸ðçãð, ÑðòÜÂððÙðð÷ü, ¡ðòçÃðÚðð÷ü ¦ãðü Ç÷ÚðÃðð¡ð÷ü Ùð÷ü ãð÷ ÜðòäðÚððü äððòÙðâð èøÈ ¸ðð÷ ÑßÃÚð÷¨î ®ðüÀ ¨÷î òâ𦠱ðÂðÐðð ò¨îÚð÷ ¸ððÐð÷ Úðð÷±Úð èøüçððÆð èó Ñß×ðüÏðÐð ¨÷î ¡ÐðôÙððÐð ¨÷î ¡ÐðôçððÜ ¡ð×ðüò¾Ãð èøÈ. ¦÷çðó ¡ðòçÃðÚððü ¦ãðü Ç÷ÚðÃðð¦ü ò¸ðÐð¨îó ±ðÂðÐðð ®ðüÀãððÜ ÞÑð Ùð÷ü ÐðèóÈ ¨îó ¸ðð çð¨îÃðó£Ðè÷ü ¡òãðòÐðÏððòÐðÃð ¡ðòçÃðÚðð÷ü ¦ãðü Ç÷ÚðÃðð¡ð÷ü Ùð÷ü çðÙðõòèÃð ò¨îÚðð ¸ððÃðð èø.Segment revenue, results, assets and liabilities include the amounts identifiable to each of the segments as alsoamounts allocated, as estimated by the management. Assets and liabilities that cannot be allocated to identifiablesegments are grouped under unallocated assets and liabilities.(è¸ððÜ Ý. / Rs. '000)ªîÙð òãðãðÜÂð 31 Ùððμðá 2007 31 Ùððμðá 2006çðü. ¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSr.ParticularsYear endedYear endedNo. March 31, 2007 March 31, 20061 ®ðüÀ Üð¸ðçãð / Segment RevenueÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale Banking 6064,81,30 6006,50,00®ðôÇÜð ×ðøÈò¨üî±ð / Retail Banking 2194,88,46 1403,54,95¾à÷¸ðÜó / Treasury 2452,18,31 1396,19,49¡ÐÚð / Others 46,91,71 22,86,00¨ôîâð / TOTAL 10758,79,78 8829,10,45³ð¾ð¦ü :- ¡üÃðÜ - ®ðüÀ Üð¸ðçãð / Less :- Inter-segment revenue 3241,97,68 2014,39,08ÑðòÜμððâðÐðð÷ü çð÷ òÐðãðâð ¡ðÚð / Net income from operations 7516,82,10 6814,71,372 ®ðüÀ ÑðòÜÂððÙð - ¨îÜ-Ñðõãðá âððØð / (èðòÐð)Segment Results -Profit/(loss) before taxÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale Banking 321,47,07 353,99,10®ðôÇÜð ×ðøÈò¨üî±ð / Retail Banking 225,04,36 158,12,69¾à÷¸ðÜó / Treasury 85,16,16 68,36,16¡ÐÚð / Others 13,80,86 22,78¨ôîâð / TOTAL 645,48,44 580,70,73³ð¾ð¦ü : ¡òãðòÐðÏððÐðóÚð ¡ðÚð ¨îð÷ ³ð¾ð¨îÜ ¡ÐÚð ¡òãðòÐðÏððÐðóÚð ãÚðÚðLess : Other unallocable expenditure net of unallocable income¨îÜ-Ñðõãðá ¨ôîâð âððØð / Total profit before tax 645,48,44 580,70,73¡ðÚð¨îÜ / Income taxes 57,16,95 36,79,10òÐðãðâð âððØð / Net profit 588,31,49 543,91,633 ®ðüÀ ¡ðòçÃðÚððü / Segment assetsÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale Banking 77361,72,00 72250,74,34139

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)ªîÙð òãðãðÜÂð 31 Ùððμðá 2007 31 Ùððμðá 2006çðü. ¨îð÷ çðÙððÑÃð ãðæðá ¨îð÷ çðÙððÑÃð ãðæðáSr.ParticularsYear endedYear endedNo. March 31, 2007 March 31, 2006®ðôÇÜð ×ðøÈò¨üî±ð / Retail Banking 22074,63,64 13214,03,51¾à÷¸ðÜó / Treasury 4082,09,48 2735,36,04¡ÐÚð / Others 309,67,57 66,07,36¡òãðòÐðÏððòÐðÃð ¨îðùÜÑðð÷Ü÷¾ ¡ðòçÃðÚððü / Unallocated corporate assets 2112,36,40 2036,03,09¨ôîâð ¡ðòçÃðÚððü / TOTAL ASSETS 105940,49,09 90302,24,354 ®ðüÀ Ç÷ÚðÃðð¦ü / Segment liabilitiesÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale Banking 72838,67,97 68403,79,12®ðôÇÜð ×ðøÈò¨üî±ð / Retail Banking 20585,54,69 12461,59,19¾à÷¸ðÜó / Treasury 3994,13,33 2329,73,96¡ÐÚð / Others (4,22,80) 448,11,29¡òãðòÐðÏððòÐðÃð ¨îðùÜÑðð÷Ü÷¾ Ç÷ÚðÃðð¦ü / Unallocated corporate liabilities 33,57,11 36,42,24¨ôîâð Ç÷ÚðÃðð¦ü / TOTAL LIABILITIES 97447,70,29 83679,65,805 Ñðõü¸ðó±ðÃð ãÚðÚð / Capital ExpenditureÆðð÷¨î ×ðøÈò¨üî±ð / Wholesale Banking 339,12,13 100,32,40®ðôÇÜð ×ðøÈò¨üî±ð / Retail Banking 23,55,49 22,62,61¾à÷¸ðÜó / Treasury 3,82 2,16¡ÐÚð / Others 3,01,49 12,97,80¨ôîâð / TOTAL 365,72,92 135,94,976 ÙðõâÚðãðçð / Depreciation(è¸ððÜ Ý. / Rs. '000)Æðð÷¨î ×ðøÈò¨üî±ð / Wholesale Banking 98,07,00 118,74,63®ðôÇÜð ×ðøÈò¨üî±ð / Retail Banking 25,29,13 25,33,23¾à÷¸ðÜó / Treasury 17,45 69,12¡ÐÚð / Others 5,52,38 2,66,20¨ôîâð / TOTAL 129,05,96 147,43,188. âð÷®ððü¨îÐð ÙððÐð¨î ¦¦çð-18 ``çðü×ðÊ Ñððò¾áÚðð÷ü ¨÷î çðü×ðüÏð Ùð÷ü Ñߨî¾Ðð'' ¨÷î ¡ÐðôçððÜ çðü×ðÊ Ñðð¾óá âð÷ÐðÇ÷Ððð÷ü çð÷ çðü×ðüòÏðÃð ×Úðð÷Ü÷òÐðÙÐðòâðò®ðÃð èøÈ :8. As required by Accounting Standard AS-18 “Related Parties Disclosure”, the disclosure of details pertaining torelated party transactions are as follows:140

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)¡ðýáÀó×ðó¡ðýá òâð. / IDBI Ltd.¡. ÑßÙðô®ð ¨îðÚðáÑððâð¨îA. Key Management Personnel:¨î. åó ãðó.Ñðó. äð÷¾þ¾ó, ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îa. Shri V. P. Shetty, Chairman & Managing Director®ð. åó ¡ð÷.ãðó. ×ðôÐÇ÷âðõ, £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îb. Shri O. V. Bundellu, Deputy Managing Director±ð. åó ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð, £Ñð Ñß×ðüÏð òÐðÇ÷äð¨îc. Shri Jitender Balakrishnan, Deputy Managing Director¡ð. ÑßÙðô®ð ¨îðÚðáÑððâð¨îð÷ü ¨÷î çððÆð âð÷ÐðÇ÷ÐðB. Transactions with Key Management Personnel:¨î.. çð¨îâð ãð÷ÃðÐð, ÑðòÜâðò×ÏðÚðð÷ü çðòèÃð : 19,55,761 Ý. (6,13,176 Ý.)a. Gross Salary including Perquisites: Rs.19,55,761 (Rs.6,13,176)®ð. ¥Âðð÷ü ÑðÜ ×Úðð¸ð : 1,64,167 Ý. (10,829 Ý.)b. Interest on loans: Rs.1,64,167 (Rs.10,829)±ð. ¥Âðð÷ü ¨îó ×ð¨îðÚðð Üðòäð 10,71,499 Ý. (20,50,463 Ý.)c. Outstanding balance of loans: Rs.10,71,499 (Rs.20,50,463)ý. ÑßÙðô®ð ¨îðÚðáÑððâð¨îð÷ü ¨÷î òÜäÃð÷ÇðÜð÷ü ¨÷î çððÆð ¨îð÷ýá âð÷ÐðÇ÷Ðð ÐðèóÈ èô¦.C. There are no transactions with relatives of Key Management Personnel.¡ðýáÀó×ðó¡ðýá ¨øîòÑð¾âð Ùðð¨÷áî¾ çðòãðáçð÷¸ð òâð. / IDBI Capital Market Services Ltd.ÑßÙðô®ð ¨îðÚðáÑððâð¨î âð÷ÐðÇ÷Ðð ¨îó ÑߨöîòÃð 2006-07 2005-06Key ManagementNature of Transaction (âðð®ð ÝÑðÚð÷) (âðð®ð ÝÑðÚð÷)Personnel(Rs. lakh)(Rs. lakh)¦çð. ÙðôèÐðð÷Ãð ÑððòÜåòÙð¨î (ò¸ðçðÙð÷ü ãð÷ÃðÐð,Ñß×ðüÏð òÐðÇ÷äð¨î ØðÄð÷ ãð ÑßòÃðÑðõòÃðáÚððü äððòÙðâð èøÈ)±ß÷μÚðõ¾ó ¡üäðÇðÐð, Ñð÷üäðÐð Úðð÷¸ðÐðð¡üäðÇðÐð, ÑðòÜâðò×ÏðÚððü ãð âððØð(¡ðýáÀó×ðó¡ðýá òâð. ¨îð÷ ÑßòÃðÑðõòÃðá¨÷î ÞÑð Ùð÷ü)S. Muhnot Remuneration (includes pay, 10.20* 4.87Managing Director allowances and reimbursements) - -Gratuity contribution 0.74 0.54Pension schemecontribution 2.98 2.60Perquisites & benefits(as reimbursementsto IDBI Ltd.)* òãð±ðÃð ãðæðð÷áÈ ¨÷î òâð¦ Øðô±ðÃððÐð ò¨îÚð÷ ±ðÚð÷ ×ð¨îðÚðð ãð÷ÃðÐð ¨îð÷ ð÷Àÿ¨îÜ* Excluding arrears of salary paid during the year for the previous years.141

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)¡ðýáÀó×ðó¡ðýá èð÷ÙðÒîðýÐðøÈçð òâð. / IDBI Homefinance Ltd.ÑßÙðô®ð ¨îðÚðáÑððâð¨î / Key Management Personnel:åó Ùð÷òâãðÐð Ü÷±ðð÷, Ñß×ðüÏð òÐðÇ÷äð¨î ¦ãðü çðóýá¡ð÷ / Mr. Melwyn Rego, Managing Director and C.E.OÑßÙðô®ð ¨îðÚðáÑððâð¨î ¨÷î çððÆð âð÷ÐðÇ÷Ðð / Transactions with Key Management Personnel:çð¨îâð ãð÷ÃðÐð, ÑðòÜâðò×ÏðÚðð÷ü çðòèÃð : 12,22,534 ÝÑðÚð÷* (7,70,088 ÝÑðÚð÷)Gross Salary including Perquisites: Rs. 12,22,534* (Rs.7,70,088)* òãð±ðÃð ãðæðð÷áÈ ¨÷î òâð¦ Øðô±ðÃððÐð ò¨îÚð÷ ±ðÚð÷ ×ð¨îðÚðð ãð÷ÃðÐð ¨îð÷ ð÷Àÿ¨îÜ.* Excluding arrears of salary paid during the year for the previous years.¡ðýáÀó×ðó¡ðýá ò±ðâ¾þçð òâð. / IDBI Gilts Ltd.ÑßÙðô®ð ¨îðÚðáÑððâð¨î : ¦Ðð.¦çð. ãð÷ü¨î¾÷äð, Ñß×ðüÏð òÐðÇ÷äð¨î / Key Management Personnel: N.S.Venkatesh, Managing DirectorÑßÙðô®ð ¨îðÚðáÑððâð¨î ¨÷î çððÆð âð÷ÐðÇ÷Ðð - äðõÐÚð / Transactions with Key Management Personnel: NILçðüÚðô©Ãð £ÌðÙð - ¡ðýáÀó×ðó¡ðýá Òîð÷ò¾áçð âððýÒî ýüäÚðð÷Ü÷üçð ¨üîÑðÐðó òâð.Joint Venture – IDBI Fortis Life Insurance Company Ltd.¨î Ñðõü¸ðó ¨÷î ÑßòÃð ¡üäðÇðÐð - 3,70,000 ÝÑðÚð÷a) Contribution to capital: Rs.3,70,000®ð. äð÷ÚðÜ Ñðõü¸ðó ¨÷î òâ𦠡ò±ßÙð - 7,20,00,000 ÝÑðÚð÷b) Advance for share capital: Rs.7,20,00,000±ð. ÑßðÜüòØð¨î ãÚðÚð - 6,79,337 ÝÑðÚð÷c) Preliminary Expenses : Rs.6,79,3379. ÑßòÃð äð÷ÚðÜ ¡ðÚð (ýáÑðó¦çð)Earnings per Share (EPS)òãðãðÜÂð 31 Ùððμðá 2007 ¨îð÷ 31 Ùððμðá 2006 ¨îð÷çðÙððÑÃð ãðæðá çðÙððÑÃð ãðæðáParticularsYear endedYear endedMarch 31, 2007 March 31, 2006ÑßòÃð äð÷ÚðÜ ¡ðÚð ¨îó ±ðÂðÐðð ¨÷î òâð¦ òèçðð×ð Ùð÷ü òâðÚðð ±ðÚðð òÐðãðâð âððØð (è¸ððÜ ÝÑðÚð÷)Net profit considered for EPS calculation (Rs. thousand) 588 33 21 543 91 63Ùðõâð ÑßòÃð äð÷ÚðÜ ¡ðÚð ¨îó ±ðÂðÐðð ¨÷î òâð¦ òèçðð×ð Ùð÷ü òâ𦠱ð¦ ýò©ãð¾óäð÷ÚðÜð÷ü ¨îó ØððòÜÃð ¡ðøçðÃð çðü®Úðð (è¸ððÜ Ùð÷ü)Weighted average number of equity shares considered forbasic EPS (in 000’s) 72 43 54 72 31 57ÑßòÃð äð÷ÚðÜ ¡ðÚð (Ùðõâð) (Ý.) / Earning per share (Basic) (Rs.) 8.12 7.52¸ðð÷Àÿ÷ü : Ùðü¸ðõÜ ò¨îÚð÷ ±ðÚð÷ ýáçððùÑð ¨îð ÐÚðõÐðó¨îÜÂð ÑßØððãð (è¸ððÜ Ùð÷ü)Add: Dilutive impact of employee stock options granted (in 000’s) 3 47 10 74ÐÚðõÐðó¨öîÃð ýáÑðó¦çð ¨÷î òâð¦ òèçðð×ð Ùð÷ü òâðÚð÷ ±ðÚð÷ ýò©ãð¾óäð÷ÚðÜð÷ü ¨îó ØððòÜÃð ¡ðøçðÃð çðü®Úðð (è¸ððÜ Ùð÷ü)Weighted average number of equity shares consideredfor diluted EPS (in 000’s) 72 47 01 72 42 31ÑßòÃð äð÷ÚðÜ ¡ðÚð (ÐÚðõÐðó¨öîÃð) (Ý.) / Earnings per share (Diluted) (Rs.) 8.12 7.51ÑßòÃð ýò©ãð¾ó äð÷ÚðÜ ¡üò¨îÃð ÙðõâÚð (Ý.) / Face value per Equity share (Rs.) 10.00 10.00142

Industrial Development Bank of India LimitedçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)10. ¡ðýáçðó¦Ùð¦çð òÇÐððüò¨îÃð çðܨîðÜó ÑßòÃðØðõòÃðÚðð÷ü ¦ãðü ¾à÷¸ðÜó ò×ðâðð÷ü ¨îð÷ ò±ðÜãðó Ü®ð¨îÜ çðÙðÚð-çðÙðÚð ÑðÜ òܺðãðá ×ðøȨî çð÷ ÑßðÆðòÙð¨î ÀóâðÜð÷ü ¨îð÷μðâðòÐðòÏð çðèðÚðÃðð Úðð÷¸ðÐðð ¨÷î ¡ÏðóÐð Ùððü±ð ¥Âð ¸ðô¾ðÐð÷ ¡ðøÜ μðâðòÐðòÏð çðÙððÚðð÷¸ðÐð çðôòãðÏðð, Çð÷Ððð÷ü ÑßðÑÃð ¨îÜÃðð Üèð èø. ¨üîÑðÐðó òÇÐððüò¨îÃðçðܨîðÜó ÑßòÃðØðõòÃðÚðð÷ü ¦ãðü ¾à÷¸ðÜó ò×ðâðð÷ü ¨îð÷ ò±ðÜãðó Ü®ð¨îÜ ò©âðÚðòÜü±ð ¨îðùÜÑðð÷Ü÷äðÐð ¡ðùÒî ýüòÀÚðð òâð. çð÷ çðüÑððòäãðá¨öîÃð £ÏððÜ ¦ãðü ¥Âð ÇðòÚðÃãð(çðó×ðó¦âð¡ð÷) ¨÷î ¡üÃð±ðáÃð Øðó çðüçððÏðÐð ¸ðô¾ðÃðó Üèó èø. äðõÐÚð ÝÑðÚð÷ (äðõÐÚð ÝÑðÚð÷) ¡üò¨îÃð ÙðõâÚðãððâðó òÇÐððüò¨îÃð çðܨîðÜó ÑßòÃðØðõòÃðÚðð÷ü / ¾à÷¸ðÜóò×ðâðð÷ü ¨îó ò±ðÜãðó ¨÷î ×ðÇâð÷ 31 Ùððμðá 2007 ¨îð÷ ×ð¨îðÚðð Ùððü±ð ¥Âð ãð μðâðòÐðòÏð çðÙððÚðð÷¸ðÐð çðôòãðÏðð äðõÐÚð ÝÑðÚð÷ (äðõÐÚð ÝÑðÚð÷) Üèó. äðõÐÚð âðð®ðÝÑðÚð÷ (27300.00 âðð®ð ÝÑðÚð÷) ¡üò¨îÃð ÙðõâÚð ãððâðó òÇÐððüò¨îÃð çðܨîðÜó ÑßòÃðØðõòÃðÚðð÷ü/¾à÷¸ðÜó ò×ðâðð÷ü ¨îð÷ ò±ðÜãðó Ü®ðÐð÷ ¨÷î ×ðÇâð÷ 31 Ùððμðá 2007¨îð÷ ×ð¨îðÚðð çðó×ðó¦âð¡ð÷ £ÏððÜ Üðòäð äðõÐÚð âðð®ð ÝÑðÚð÷ (10804.36 âðð®ð ÝÑðÚð÷) Üèó èø. 31 Ùððμðá 2007 ¨îð÷ ×ð¨îðÚðð çðó×ðó¦âð¡ð÷ ¥Âð298.53 âðð®ð ÝÑðÚð÷ (äðõÐÚð ÝÑðÚð÷) Æð÷.ICMS has been raising Demand Loan under the scheme of Liquidity Support to Primary Dealers and availingLiquidity Adjustment Facility, both from the Reserve Bank of India from time to time against the pledge ofDated Govt. Securities and Treasury Bills. The Company has also been raising resources under CollateralisedBorrowing and Lending Obligations (CBLO) from the Clearing Corporation of India Ltd, against the pledge ofDated Govt. Securities and Treasury Bills. The outstanding Demand Loan and Liquidity Adjustment Facility ason March 31, 2007 is Rs. Nil (Rs. Nil) against the pledge of Dated Govt. Securities / Treasury Bills for face valueof Rs. Nil (Rs. Nil). The outstanding CBLO borrowing on March 31, 2007 is Rs. Nil lakhs (Rs. 10804.36 lakhs)against the pledge of Dated Govt. Securities / Treasury Bills for face value of Rs. Nil lakhs (Rs. 27300.00 lakhs).The outstanding CBLO lending as on March 31, 2007 is Rs. 298.53 lakhs (Rs. Nil)11. ãðæðá ¨÷î ÇðøÜðÐð ¡ðýáÀó×ðó¡ðýá èð÷ÙðÒîðýÐðøÈçð òâð. Ðð÷ òÐð¸ðó òÐðÚðð÷¸ðÐð ¡ðÏððÜ ÑðÜ 80,00,00,000 ÝÑðÚð÷ (òÑðâð÷ ãðæðá 60,00,00,000 ÝÑðÚð÷) ¨÷îòÀ×ð÷üμðÜ ¨÷î ÞÑð Ùð÷ü ¡ÑßòÃðØðõÃð äðð÷ÏðÐðóÚð ¡ÑðòÜãðÃðáÐðóÚð ±ððøÂð ×ððüÀ (¦ÐðçðóÀó) ¸ððÜó ò¨î¦. òãðÄð ¦ãðü ¨üîÑðÐðó ¨îðÚðá ÙðüëððâðÚð, ¨üîÑðÐðó ¨îðÚðáòãðØðð±ð Ðð÷ 16 ¸ðÐðãðÜó 2003 ¨÷î ¡ÑðÐð÷ çððÙððÐÚð ÑðòÜÑðëð çðü.4/2003 ÎðÜð Úðè çÑðæ¾ ò¨îÚðð ò¨î ¡ðãððçð òãðÄð ¨üîÑðÐðó (¦Ðð¦μð×ðó) òÐðÇ÷áäð 2001¨÷î ¡üÃð±ðáÃð Üðæ¾àóÚð ¡ðãððçð ×ðøÈ¨î ¨÷î Ñððçð Ñðü¸ðó¨öîÃð ¡ðãððçð òãðÄð ¨üîÑðòÐðÚðð÷ü ÎðÜð òÐð¸ðó ÃððøÜ ÑðÜ ¸ððÜó ò¨îÚð÷ ±ðÚð÷ òÀ×ð÷üμðÜð÷ü ¨÷î çðü×ðüÏð Ùð÷ü ¨îð÷ýáòÀ×ð÷üμðÜ ÑßòÃðÇðÐð ¡ðÜòêðÃð òÐðòÏð ¨îó ¡ðãðäÚð¨îÃðð ÐðèóÈ èø ¡ðøÜ ýçðòâð¦ òÀ×ð÷üμðÜð÷ü ¨÷î ÞÑð Ùð÷ü ¸ððÜó £ÑðÚðôá©Ãð ±ðøÜ-ÑðòÜãðÃðáÐðóÚð ±ððøÂð ×ððüÀð÷ü ¨÷îòâ𦠨üîÑðÐðó Ðð÷ ¨îð÷ýá òÀ×ð÷üμðÜ ÑßòÃðÇðÐð ¡ðÜòêðÃð òÐðòÏð çðöò¸ðÃð ÐðèóÈ ¨îó èø.During the year, IDBI Homefinance Ltd. has issued Unsecured Redeemable Non Convertible SubordinatedBond in the nature of Debentures (NCD) amounting to Rs. 80,00,00,000 (Previous year Rs. 60,00,00,000/-)on a private placement basis. Ministry of Finance & Company affairs, Department of Company Affairs, videtheir general circular no. 4/2003 dated 16.01.2003 clarified that no Debenture Redemption Reserve is requiredin the case of privately placed debentures by Housing Finance Companies registered with National HousingBank under Housing Finance Companies (NHB) Directions 2001, and hence no Debenture Redemption Reservehas been created by company for the above referred Non Convertible Subordinated Bond in the nature ofDebentures (NCD).12. ÑðõãðáãðÃðóá ÏððÜ¨î ¨üîÑðÐðó ¾ð¾ð ÒîðýÐðøÈçð òâð. (¾ó¦Òî¦âð) 7 òçðÃðÙ×ðÜ 2003 (¾ó¦Òî¦âð ÎðÜð òÐðãð÷äð ¨÷î òãðòÐðãð÷äð ¨îó ÃððÜó®ð) Ãð¨î Ùðü¸ðõÜ ò¨îçðóØðó ¥Âð ¨÷î ÑßØððãðó ÃððÜó®ð çð÷ 3 ãðæðð÷áÈ ¨÷î ØðóÃðÜ ±ðøÜ-òÐðæÑððǨî ×ðÐð ¸ððÐð÷ ÑðÜ ¡ðýáÀó×ðó¡ðýá èð÷Ùð ÒîðýÐðøÈçð òâð. ¨îð÷ êðòÃðÑðõòÃðá ¨îÜÐð÷ ¨÷î òâð¦çðèÙðÃð èð÷ ±ðýá èø. £©Ãð ¨÷î çðüÇØðá Ùð÷ü ¨üîÑðÐðó ÎðÜð Çðãð÷ ÑßØððãðó ÃððÜó®ð çð÷ Ñððüμð ãðæðá ÑðõÜ÷ ¨÷î ×ððÇ èó ò¨î¦ ¸ðð çð¨îÃð÷ èøÈ. ýçð êðòÃðÑðõòÃðá Ùð÷ü ãðçðõâðó¨îðÜáãððýá çð÷ çðü×ðüòÏðÃð ãÚðÚð ¡ðøÜ Üðòäð ¨îó ãðçðõâðó Ùð÷ü ¡ðÐð÷ ãððâðó ¨îÙðó äððòÙðâð èø ò¸ðÐð¨÷î òâð¦ çðÙð±ß çðóÙðð 5,00,00,000 ÝÑðÚð÷ èø. ýçðêðòÃðÑðõòÃðá ¨÷î ò¨îçðó ÑßØððãð ¨îð÷ òÇ®ððÐð÷ ¨÷î òâð¦ òãðÄðóÚð òãðãðÜÂðð÷ü ¨îð÷ çðÙððÚðð÷ò¸ðÃð ÐðèóÈ ò¨îÚðð ±ðÚðð èø ¡ðøÜ ¸ð×ð Øðó ÜðòäðÚððü÷ ¨îó êðòÃðÑðõòÃðáèð÷±ðó, £Ðè÷ü ±ðÂðÐðð Ùð÷ü òâðÚðð ¸ððÚð÷±ðð.For IDBI Home Finance Ltd, the erstwhile holding company Tata Finance Ltd. (TFL) has agreed to indemnifycompany against any loan sanctioned upto September 7, 2003 (date of divesting the investment by TFL)becoming a non performing asset within three years from the effective date. The claims in respect of theabove can be made by company only after completion of five years from the effective date. This indemnityincludes expenses related to recovery action and shortfall in the realisation of amount, subject to an overall143

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷ÀçðÙð÷ò¨îÃð âð÷®ðð÷ü ¨÷î Øðð±ð ÞÑð Ùð÷ü ¡ÐðôçðõòμðÚððü (¸ððÜó)/ Schedules forming part of Consolidated Accounts (Contd.)cap of Rs. 5,00,00,000/-. Financial Statements are not adjusted to reflect any impact of this indemnity and willbe recognised as and when the amounts are indemnified.13. ¡ðýáçðó¦¡ðýá ÎðÜð ¸ððÜó çððÙððÐÚð çÑðæ¾ó¨îÜÂð ¨îð÷ ÏÚððÐð Ùð÷ü Ü®ðÃð÷ èô¦ Ùðõâð ¦ãðü çðèðÚð¨î çðüçÆðð¡ð÷ü ¨÷î ¡âð±ð-¡âð±ð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷üÑß¨î¾ ¨îó ±ðýá ¡òÃðòÜ©Ãð çððüòãðòÏð¨î ¸ððÐð¨îðÜó, ò¸ðçð¨îð çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü ¨÷î çðèó ãð £òμðÃð òçÆðòÃð ÑðÜ ¨îð÷ýá ÑßØððãð ÐðèóÈ ÑðÀÿÃðð ÃðÆðð±ðøÜ-ÙðèÃãðÑðõÂðá ÙðÇð÷ü çð÷ çðü×ðüòÏðÃð ¸ððÐð¨îðÜó ¨îð÷ çðÙð÷ò¨îÃð òãðÄðóÚð òãðãðÜÂðð÷ü Ùð÷ü ÐðèóÈ òÇ®ððÚðð ±ðÚðð èø.Additional statutory information disclosed in separate financial statements of the parent and the subsidiarieshaving no bearing on the true and fair view of the consolidated financial statements and also the informationpertaining to the items which are not material have not been disclosed in the consolidated financial statementin view of the general clarification issued by ICAI.14. ¸ðèðü ¨îèóÈ Øðó ¡ðãðäÚð¨î çðÙð»ðð ±ðÚðð, ±ðÃð ãðæðá ¨÷î ¡ðü¨îÀÿð÷ü ¨îð÷ ÑðôÐðçðáÙðõòèÃð ÃðÆðð çðÙððÚðð÷ò¸ðÃð ò¨îÚðð ±ðÚðð èø.Figures for the previous year have been regrouped and adjusted wherever considered necessary.15. ¨îð÷濨îð÷ü Ùð÷ü òǦ ±ð¦ ¡ðü¨îÀÿ÷ ±ðÃð ãðæðá ¨÷î èøÈ.Figures in brackets pertain to the previous year.144

Industrial Development Bank of India Limited31 Ùððμðá 2007 ¨îð÷ çðÙððÑÃð ãðæðá ¨îð çðÙð÷ò¨îÃð Ðð¨îÇó Ñßãððè òãðãðÜÂð[ç¾ðù¨î ¦©çðμð÷ü¸ð ¨÷î çðõμðó×ðÊÃðð ¨îÜðÜ ¨÷î ¡ÐðôçðÜÂð Ùð÷ü]CONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2007[Pursuant to the Listing Agreement with Stock Exchanges](ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)31 Ùððμðá 2007*¨îð÷ çðÙððÑÃð ãðæðá31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðáYear endedYear ended31-Mar-07*31-Mar-06ÑðòÜμððâðÐð ¨îðÚðá¨îâððÑðð÷ü çð÷ Ðð¨îÇó ÑßãððèCash flow from Operating Activities¨îÜ ¡ðøÜ ¡çððÏððÜÂð ÙðÇð÷ü çð÷ Ñðõãðá òÐðãðâð âððØðNet profit before tax and extra-ordinary items 645 48 44 631 62 42òÐðÙÐð ¨÷î òâð¦ çðÙððÚðð÷¸ðÐðAdjustments for– ¡μðâð ¡ðòçÃðÚðð÷ü ¨îó ò×ðªîó çð÷ (âððØð)/èðòÐð (òÐðãðâð)(Profit) / Loss on sale of Fixed Assets ( Net ) (178 45 39) (5 95 85)– ÙðõâÚðéðçð / Depreciation 129 05 96 147 42 37– ¥Âðð÷ü /òÐðãð÷äðð÷ü ¨÷î òâð¦ ÑßðãðÏððÐð / ×ð¾þ¾÷ ®ððÃð÷ ÀðâðÐðð ÃðÆðð ¡ÐÚð ÑßðãðÏððÐðProvisions/Write off of Loans/Investments & other provisions 227 50 62 (206 97 21)– £Ñð±ðÃð ãðó¡ðܦçð ãÚðÚð (òÐðãðâð)VRS Expenses incurred (net) 13 74 96 (13 96 12)– ç¾ðÒî ¨îâÚððÂð ãÚðÚðStaff welfare Expenses (1 15 98) (92 50)-------------------------------- --------------------------------836 18 61 551 41 23-------------------------------- --------------------------------òÐðÙÐð Ùð÷üü (ãðöòÊ)/ ¨îÙðó ¨÷î òâð¦ çðÙððÚðð÷¸ðÐðAdjustments for (increase)/decrease in– òÐðãð÷äðInvestments 121 73 92 (275 07 73)– ¡ò±ßÙðAdvances (10580 72 75) (7577 33 74)– ¡ÐÚð ¡ðòçÃðÚððüOther Assets (1805 71 37) 583 45 55òÐðÙÐð Ùð÷üü ãðöòÊ/ (¨îÙðó) ¨÷î òâð¦ çðÙððÚðð÷¸ðÐðAdjustments for increase/(decrease) in– £ÏððÜ ÜðòäðÚððüBorrowings (4684 98 55) (2089 99 20)– ¸ðÙððÜðòäðÚððüDeposits 17451 90 78 10748 49 10– ¡ÐÚð Ç÷ÚðÃðð¦ü ¦ãðü ÑßðãðÏððÐðOther liabilities and provisions (705 66 17) (1589 87 55)– ¨îÜð÷ü ¨îð Øðô±ðÃððÐð (òÐðãðâð)Payment of taxes ( Net ) (153 03 87) (273 92 55)-------------------------------- --------------------------------ÑðòÜμððâðÐð ¨îðÚðá¨îâððÑðð÷ü Ùð÷üü ÑßÚðô©Ãð / çð÷ £ÃÑðÐÐð òÐðãðâð Ðð¨îÇóNet Cash used in/generated from Operating activities 479 70 60 77 15 11-------------------------------- --------------------------------òÐðãð÷äð ¨îðÚðá¨îâððÑðð÷ü çð÷ Ðð¨îÇó ÑßãððèCash Flow from Investing activities– ¡μðâð ¡ðòçÃðÚðð÷ü ¨îó ®ðÜóÇ / ¨÷î òâ𦠡ò±ßÙð (òÐðãðâð)Purchase of/Advance towards fixed assets ( Net ) 147 98 26--------------------------------(66 28 86)--------------------------------òÐðãð÷äð ¨îðÚðá¨îâððÑðð÷ü Ùð÷ü ÑßÚðô©Ãð / çð÷ ¸ðô¾ðýá ±ðýá òÐðãðâð Ðð¨îÇóNet cash used in / raised from Investing activities 147 98 26 (66 28 86)-------------------------------- --------------------------------145

ýüÀòç¾àÚðâð À÷ãðâðÑðÙð÷ü¾ ×ðøÈ¨î ¡ðùÒî ýüòÀÚðð òâðòÙð¾÷À(ÝÑðÚð÷ è¸ððÜ Ùð÷ü / Rupees in ‘000s)31 Ùððμðá 2007* 31 Ùððμðá 2006¨îð÷ çðÙððÑÃð ãðæðá¨îð÷ çðÙððÑÃð ãðæðáYear endedYear ended31-Mar-07*31-Mar-06òãðÄðÑðð÷æðÂð ¨îðÚðá¨îâððÑðð÷ü çð÷ Ðð¨îÇó ÑßãððèCash Flow from Financing activities– ýò©ãð¾ó äð÷ÚðÜð÷ü ¨îð òÐð±ðáÙðIssue of Equity Shares 2 58 60 8 85 48– ±ððøÂð ¥Âð ¨îð òÐð±ðáÙð (¨îó ±ðýá μðô¨îðøòÃðÚðð÷ü ¨îð÷ ³ð¾ð¨îÜ)Issue of subordinated debt ( Net of repayments made ) 1421 36 11 (73 48 00)– ÑßÇÄð âððØððüäð ÃðÆðð âððØððüäð ¨îÜDividend and dividend tax paid (124 84 43) (83 91 19)– ÚðõÀ×âÚðõ×ðó ¨÷î çðÙððÙð÷âðÐð ¨÷î òâð¦ òÐðãðâð ÜðòäðNet Consideration for amalgamation of UWB (150 55 01)-------------------------------- --------------------------------òãðÄðÑðð÷æðÂð ¨îðÚðá¨îâððÑðð÷ü Ùð÷ü ÑßÚðô©Ãð / çð÷ ¸ðô¾ðýá ±ðýá òÐðãðâð Ðð¨îÇóNet cash used in / raised from Financing activities 1148 55 27--------------------------------(148 53 71)--------------------------------Ðð¨îÇó ¡ðøÜ Ðð¨îÇó çðÙðÃðôâÚð Ùð÷ü òÐðãðâð ãðöòÊ / (¨îÙðó)NET INCREASE/(DECREASE) IN CASH & CASH EQUIVALENTS 1776 24 13 (137 67 46)ÑßðÜüòØð¨î Ðð¨îÇó ¡ðøÜ Ðð¨îÇó çðÙðÃðôâÚðOPENING CASH & CASH EQUIVALENTS 5551 97 53 5689 64 99¡üòÃðÙð Ðð¨îÇó ¡ðøÜ Ðð¨îÇó çðÙðÃðôâÚð-------------------------------- --------------------------------CLOSING CASH & CASH EQUIVALENTS 7328 21 66 5551 97 53ò¸ðÐðÙð÷ü çð÷ : èðÆð Ùð÷ü Ðð¨îÇó============ ============of which : Cash in Hand 213 32 23 117 56 25òܺðãðá ×ðøÈ¨î ¡ðøÜ ¡ÐÚð ×ðøȨîð÷ü ¨÷î Ñððçð äð÷æð ÜðòäðBalance with RBI and other Banks 7114 89 43 5434 41 28* 3 ¡©Ãðõ×ðÜ 06 çð÷ ÚðõÀ×âÚðô×ðó ¨÷î òãðâðÚð ¨÷î ÑßØððãð ¨îð÷ òèçðð×ð Ùð÷ü âð÷Ðð÷ ¨÷î ×ððÇ.* After taking into consideration the impact of the UWB merger with effect from 3rd Oct., 06.òÑðâðó ¡ãðòÏð ¨÷î ¡ðü¨îÀÿð÷ü ¨îð÷ ¸ðèðü ¨îèóÈ ¡ðãðäÚð¨î çðÙð»ðð ±ðÚðð ÑðôÐðçðáÙðõòèÃð ò¨îÚðð ±ðÚðð èø.Figures for the previous period have been regrouped, whenever considered necessary.×ðð÷Àá ¨÷î ¡ðÇ÷äððÐðôçððÜBY ORDER OF THE BOARD(¨÷î. ÐðÜòçðÙè ÙðõòÃðá) (¡ð÷. ãðó. ×ðôÐÇ÷âðõ) (ò¸ðÃð÷üÇÜ ×ððâð¨öîæÂðÐð) (ãðó. Ñðó. äð÷¾þ¾ó)(K. Narasimha Murthy) (O.V. Bundellu) (Jitender Balakrishnan) (V. P. Shetty)òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î £Ñð Ñß×ðüÏð òÐðÇ÷äð¨î ¡ÏÚðêð ¦ãðü Ñß×ðüÏð òÐðÇ÷äð¨îDirector Dy. Managing Director Dy. Managing Director Chairman & Managing Director¡ð¸ð ¨îó ÃððÜó®ð ¨îó èÙððÜó çðüâð±Ðð òÜÑðð÷¾á ¨÷î ¡ÐðôçððÜAs per our report attached of even date¨öîÃð÷ ò®ðÙð¸ðó ¨ôüîãðܸðó ¦üÀ ¨üî. ¨öîÃð÷ çðôÜ÷äð μðüÍ ¦üÀ ¡çðð÷òäð¦¾þçðFor Khimji Kunverji & Co. For Suresh Chandra & AssociatesçðÐðÇó âð÷®ðð¨îðÜçðÐðÇó âð÷®ðð¨îðÜChartered Accountants Chartered Accountants(òäðãð¸ðó ¨÷î. òãð¨îÙðçðó) (ãð÷Ç Ñߨîðäð ×ðüçðâð) (¦âð. Ñðó. ¡±ßãððâð)(Shivji K. Vikamsey) (Ved Prakash Bansal) (L. P. Aggarwal)çðð»ð÷ÇðÜ çðð»ð÷ÇðÜ ¨îðùÜÑðð÷Ü÷¾ ÑßÙðô®ð - òãðÄðóÚð ¡òÏð¨îðÜóPartner Partner Corporate Head - Financial OfficerçðÇçÚðÃðð çðü. 2242 çðÇçÚðÃðð çðü. 500369Membership No. 2242 Membership No. 500369Ùðôü×ðýá, 20 ¡Ñßøâð 2007Mumbai, April 20, 2007146

APPENDICESAppendix I : Auditor’s Report to the Members ofIDBI Capital Market Services Limited1. We have audited the attached Balance Sheet ofIDBI Capital Market Services Limited as at 31 stMarch 2007 and also the Profit & Loss Accountfor the year ended on that date annexed theretoand the cash flow statement for the year endedon that date. These financial statements are theresponsibility of the Company’s management. Ourresponsibility is to express an opinion on thesefinancial statements based on our audit.2. We conducted our audit in accordance with auditingstandards generally accepted in India. ThoseStandards require that we plan and perform theaudit to obtain reasonable assurance about whetherthe financial statements are free of materialmisstatement. An audit includes examining, on atest basis, evidence supporting the amounts anddisclosures in the financial statements. An auditalso includes assessing the accounting principlesused and significant estimates made by management,as well as evaluating the overall financial statementpresentation. We believe that our audit providesa reasonable basis for our opinion.3. As required by the Companies (Auditor’s Report)Order, 2003 issued by the Central Governmentof India in terms of sub-section (4A) of section227 of the Companies Act, 1956, we enclose inthe Annexure a statement on the matters specifiedin paragraph 4 and 5 of the said order.4. Further to our comments in the Annexurereferred to in paragraph 3 above we report that:(a) We have obtained all the information andexplanations which to the best of ourknowledge and belief were necessary forthe purposes of our audit;(b) In our opinion, proper books of accountas required by law have been kept bythe company so far as appears from ourexamination of such books;(c)The Balance Sheet, Profit and Loss Accountand Cash Flow Statement referred to in thisreport are in agreement with the books ofaccount;(d) In our opinion the Balance Sheet, Profit andLoss Account and Cash Flow Statement areprepared in accordance with AccountingStandards issued by the Institute of CharteredAccountants of India referred to in section211(3C) of the Companies Act, 1956.(e) On the basis of the written representationsreceived from the Directors, as on March31 st , 2007 and taken on record by the Boardof Directors we report that none of theDirectors is disqualified as on March 31 st , 2007from being appointed as a director of theCompany under clause (g) of sub-section (1)of section 274 of the Companies Act, 1956.(f)In our opinion and to the best of ourinformation and according to the explanationsgiven to us, the said Financial Statements, readwith the notes thereon give the informationrequired by the Companies Act, 1956 inthe manner so required and give a true andfair view in conformity with the accountingprinciples generally accepted in India:i) in the case of the Balance Sheet of thestate of affairs of the Company as at31st March, 2007;ii)iii)Place : MumbaiDated : 17.04.2007in the case of the Profit and LossAccount, of the loss for the year endedon that date; andin the case of Cash Flow Statement, ofthe cash flows for the year ended onthat date.For B. D. Jokhakar & Co.Chartered AccountantsRaman JokhakarPartnerMembership No. 103241147

1. (a) The Company has maintained proper recordsshowing full particulars including quantitativedetails and situation of fixed assets on thebasis of information available.(b)(c)According to the information and explanationsgiven to us, the fixed assets have been physicallyverified by the management once during theyear, which in our opinion is reasonable, havingregard to the size of the Company and natureof the assets. No material discrepancies werenoticed on such verification.During the year the company has not disposedoff a substantial part of its fixed assets.2. In respect of securities held as stock-in-trade:(a)(b)(c)The securities held as stock-in-trade inSubsidiary General Ledger Account of theReserve Bank of India, settlement guaranteefund and in depository account have beenconfirmed by the Reserve Bank of India,Clearing Corporation of India and DepositoryParticipant respectively as at 31st March 2007.In our opinion the frequency of verification /confirmation is reasonable.In our opinion, the procedures of physicalverification / confirmation of securities held asstock-in-trade followed by the managementare reasonable and adequate in relation to thesize of the Company and the nature of thebusiness.On the basis of our examination of therecords of the company relating to securitiesheld as stock-in-trade, in our opinion theCompany has maintained proper records ofstock-in-trade and no material discrepanciesbetween the book records and the physicalinventory have been noticed.3. In respect of Loans:(a)Annexure to the Auditor’s Report on IDBI Capital Market Services Ltd.(Referred to in paragraph 3 of our report of even date)(b)We are informed that the Company has notgranted any loans, secured or unsecured, tocompanies, firms or other parties listed inthe register maintained under Section 301 ofthe Companies Act, 1956.(c)(d)The Company has not taken any secured orunsecured loans, from companies, firms orother parties listed in the register maintainedunder Section 301 of the Companies Act,1956 except repayment of the outstandingloans taken in earlier years from 2 parties tothe extent of Rs. 48 crores.The rate of interest and other terms andconditions, in our opinion, of such loan arenot prima facie prejudicial to the interest ofthe company.In respect of above loans the payment ofprincipal amount and interest are as stipulatedand regular.4. In our opinion, and according to the informationand explanation given to us, there are adequateinternal control procedures commensurate withthe size of the Company and the nature of itsbusiness for the purchase and sale of securitiesheld as stock-in-trade and purchase of fixed assets.In our opinion and according to the informationand explanations given to us, there is no continuingfailure to correct major weaknesses in internalcontrol.5. To the best of our knowledge and belief and asexplained to us, the company has not entered intotransactions required to be entered in the Registerpursuant of section 301 of the Act except in thenormal course of business which are reasonablehaving regard to the prevailing market prices.6. In our opinion, and according to the informationand explanations given to us, the Company hasnot accepted any deposits from public.7. On the basis of the reports made by the internalauditors to the management, in our opinion, theinternal audit system is commensurate with thesize of the company and the nature of its business.8. The Rules made by the Central Government forthe maintenance of cost records under Section209 (1) (d) of the Companies Act, 1956 are notapplicable to the company.148

9. (a) Based on our examinations of books ofaccount and records produced, the companyhas been regular in depositing undisputedstatutory dues payable in respect of ProvidentFund, Income-tax, Wealth Tax, Service tax,cess and other material statutory dues asapplicable with the appropriate authoritiesduring the year. There were no arrears as at31 st March, 2007 for a period of more than sixmonths from the date they became payable.(b)According to information and explanationsgiven to us, there are no disputed dues inrespect of income tax, wealth tax, and servicetax that have not been deposited.10. The Company is registered for more than fiveyears and its accumulated losses at the end offinancial year are less than the fifty percent of itsnet worth. Company has made cash losses in thecurrent financial year but not in the immediatelypreceding financial year.11. According to the information and explanationsgiven to us the company has not defaulted inrepayment of dues to a financial institution, bankor debenture holder.12. According to the information and explanationsgiven to us the Company has not granted loansand advances on the basis of security by way ofpledge of shares, debentures and other securities.13. The Company is not a chit fund or a nidhi mutualbenefit fund /society. Therefore, the provisions ofclause 4(xiii) of the Companies (Auditors Report)Order 2003, is not applicable to the Company.14. The Company has kept adequate records of itstransactions and contracts in shares, securities andother investments and timely entries have beenmade therein. The shares, securities, and otherinvestments are held in the name of the Companyexcept to the extent of exemption granted undersection 49 of the Act.15. According to the information and explanationsgiven to us, the Company has not given anyguarantee for loans taken by others from banksor financial institutions.16. To the best of our knowledge and belief andaccording to the information and explanationsgiven to us, no term loan was obtained by theCompany during the year.17. According to the Cash Flow Statement and otherrecords examined by us and the information andexplanations given to us, on an overall basis, nofunds were raised on short term basis, which havebeen used during the year for long terminvestments except the use of working capital fundsfor purchase of fixed assets.18. According to the information and explanationsgiven to us, no allotment of shares has been madeby the company.19. The Company has not issued any secureddebentures during the year.20. The Company has not raised any money througha public issue during the year.21. According to the information and explanationsgiven to us, no fraud on or by the Company hasbeen noticed or reported during the year.Further as required by the Non Banking FinancialCompanies Auditor’s Report (Reserve Bank)Directions 1998 we report that :1. The Company has been granted certificate ofRegistration No. 13.01273 on July 29, 1999.2. The Company has not accepted public depositsfailing under the preview of the Non-BankingFinancial Companies Acceptance of Public Deposits(Reserve Bank) Directions, 1998 since itsregistration as NBFC on July 29, 1999.3. The Board of Directors has passed a resolutionon April 17, 2006 to accept any public deposits.4. The Company has complied with prudential normsrelating to income recognition, accountingstandards, asset classification and provisioning forbad and doubtful debts as applicable to it.Place : MumbaiDated : 17.04.2007For B. D. Jokhakar & Co.Chartered AccountantsRaman JokhakarPartnerMembership No. 103241149

Appendix II : Auditor’s Report to the Members ofIDBI Homefinance Ltd.1. We have audited the attached Balance Sheet ofIDBI Homefinance Ltd., as at 31st March 2007,the Profit and Loss Account and also the CashFlow Statement for the year ended on that dateannexed thereto. These financial statements arethe responsibility of the Company’s management.Our responsibility is to express an opinion on thesefinancial statements based on our audit.2. We conducted our audit in accordance with theauditing standards generally accepted in India. ThoseStandards require that we plan and perform theaudit to obtain reasonable assurance about whetherthe financial statements are free of materialmisstatement. An audit includes examining, on atest basis, evidence supporting the amounts anddisclosures in the financial statements. An auditalso includes assessing the accounting principlesused and significant estimates made by management,as well as evaluating the overall financial statementpresentation. We believe that our audit providesa reasonable basis for our opinion.3. As required by the Companies (Auditor’s Report)Order, 2003 issued by the Central Governmentof India in terms of sub-section (4A) of section227 of the Companies Act, 1956, we enclose inthe Annexure a statement on the matters specifiedin paragraphs 4 and 5 of the said Order.4. Further to our comments in the Annexurereferred to in paragraph 3 above, we report that:-i. We have obtained all the information andexplanations, which to the best of ourknowledge and belief were necessary for thepurposes of our audit;ii.iii.In our opinion, proper books of account, asrequired by law, have been kept by thecompany so far as appears from ourexamination of those books;The Balance Sheet, Profit and Loss Account andCash Flow Statement dealt with by this reportare in agreement with the books of account;iv.In our opinion, the Balance Sheet, Profit andLoss Account and Cash Flow Statement dealtwith by this report comply with themandatory accounting standards referred toin sub section (3C) of section 211 of theCompanies Act, 1956;v. On the basis of written representationreceived from the directors, as on 31 st March2007 and taken on record by the Board ofDirectors, we report that none of thedirectors is disqualified as on 31 st March 2007from being appointed as a Director in termsof clause (g) of sub-section (1) of section 274of the Companies Act, 1956;5. In our opinion and to the best of our informationand according to the explanations given to us, thesaid accounts read together with the significantaccounting policies and notes thereon, give theinformation required by the Companies Act, 1956,in the manner so required and give a true and fairview in conformity with the accounting principlesgenerally accepted in India:-a) in the case of the Balance Sheet, of the stateof affairs of the company as at 31 st March2007;b) in the case of the Profit and Loss Account, ofthe Profit for the year ended on that date;andc) in the case of Cash Flow Statement, of thecash flows for the year ended on that date.Place: MumbaiDate: 17 April, 2007For CHATURVEDI & SHAHChartered AccountantsR. KORIA(Partner)Membership No: 35629150

Annexure to Auditor’s Report on IDBI Homefinance Ltd.(Referred to in paragraph 3 of our report of even date)iii.iii.In respect of its fixed assets:(a)(b)(c)The Company has maintained proper recordsshowing full particulars, including quantitativedetails and situation of fixed assets.As explained to us, all the fixed assets havebeen physically verified by the managementduring the year in accordance with theprogramme of verification, except in respectof assets lying at employees’ residence as hardfurnishing assets for which confirmations havebeen obtained at the year-end, which in ouropinion is reasonable, considering the sizeand the nature of its assets. According to theinformation and explanations given to us, thediscrepancies noticed on such verificationwere not material and same have been dealtwith in the books of account.In our opinion and according to theinformation and explanations given to us, theCompany has not disposed off substantial partof fixed assets during the year and the goingconcern status of the Company is not affected.The nature of the business of the Company is suchthat provisions of clause 4 (ii) of the Companies(Auditor’s Report) (Order), 2003 is not applicableto the Company.In respect of loans, secured/unsecured granted ortaken by the Company to /from Companies , firmsor other parties covered in the Register maintainedunder section 301 of the Companies Act, 1956:(a)(b)(c)(d)The Company has not granted any loans tosuch parties.The Company has taken loans from a company.The maximum amount outstanding during theyear was Rupees Three Hundred Ten Croresand year-end balance of such loans was RupeesTwo Hundred Fifty Five CroresAccording to information and explanationsgiven to us, we are of the opinion that rateof interest and other terms and conditionsof such loans are not prima facie prejudicialto the interest of the Company.The company is regular in payment ofprincipal and interest as per the terms of theloans taken by it.iv.In our opinion and according to the informationand explanations given to us, there are adequateinternal control procedures commensurate withthe size of the company and the nature of itsbusiness with regard to purchases of fixed assetsand sale of services. During the course of auditwe have not observed any continuing failure tocorrect major weaknesses in internal controls. Theactivities of the Company do not involve purchaseof inventory and sale of the goods.v. In respect of transactions entered in the registermaintained in pursuance of Section 301 of theCompanies Act, 1956:(a)(b)To the best of our knowledge and belief andaccording to the information and explanationsgiven to us, transactions that needed to beentered in the register have been so entered.According to the information andexplanations given to us, these contract orarrangements with IDBI Ltd. are mainly inthe nature of reimbursement of cost incurredby IDBI Ltd. for IDBI Homefinance Limitedand vice-versa and hence the prices for these,are reasonable.v. In respect of transactions entered in the Registervi.vii.The Company has not accepted deposits from publicand hence directions issued by Reserve Bank ofIndia and the provisions of Sections 58A and 58AAor any other relevant provisions of the CompaniesAct, 1956 and the rules framed thereunder are notapplicable for the year under audit.In our opinion, the Company has an internal auditsystem commensurate with its size and nature ofits business.viii As the company is not a manufacturing concern,the clause 4 (viii) of the Companies (Auditor’sReport) Order, 2003 is not applicable.ix.According to the information and explanationsgiven to us in respect of statutory and other dues:(a)The company has been regular in depositingwith appropriate authorities undisputedstatutory dues, including Provident Fund,Employees’ State Insurance, Income-tax,Wealth-tax, Service tax and other statutory151

(b)(c)dues. During the year under audit, there wereno dues against Investor Education andProtection Fund, Sales tax, Custom Duty,Excise duty and Cess.There are no undisputed amounts payable inrespect of the aforesaid statutory dues as at31st March 2007 for a period of more thansix months from the date they becamepayable.According to the information andexplanations given to us, there are no duesof sales tax, income tax, custom tax, wealthtax, service tax, excise duty or cess whichhave not been deposited on account of anydispute.x. The Company neither have accumulated losses atthe end of the year, nor incurred any cash lossesduring the financial year covered by our audit orin the immediately preceding financial year.xi.xii.Based on audit procedures and according to theinformation and explanations given by themanagement, we are of the opinion that theCompany has not defaulted in repayment of duesto financial institutions, banks and debentureholders.In our opinion and according to the explanationsgiven to us and based on the information available,no loans and advances have been granted by theCompany on the basis of security by way of pledgeof shares, debentures or other securities.xiii. In our opinion, the Company is not a chit fund ora nidhi / mutual benefit fund / society. Therefore,the provisions of clause 4 (xiii) of the Companies(Auditor’s Report) Order, 2003 is not applicableto the company.xiv. Based on our examination of the records and theinformation and explanations given to us, theCompany has not dealt/traded in shares, debenturesand other investments during the year. As informedand explained to us, proper records have beenmaintained of the transactions and contracts relatingto dealing/trading in securities (Mutual Funds) andtimely entries have been made therein. There areno securities as on Balance Sheet date.xv.As per the information and explanations given tous, the Company has not given any guarantee forloans taken by others from banks and financialinstitutions.xvi. To the best of our knowledge and belief andaccording to the information and explanationsgiven to us, the term loans raised during the yearand those, which were outstanding at the beginningof the year, were prima facie been either used forthe purposes for which they were raised orpending utilisation been temporary placed as fixeddeposits with banks.xvii. According to the information and explanationsgiven to us and on an overall examination of theBalance sheet of the Company as at 31 st March2007, related information as made available to usand represented to us by the management, weare of the opinion that the fund raised on shortterm basis by way of commercial papers and bankborrowings aggregating to Rs. 762,99,58,810 /-have been utilized for long term purpose forhousing loans. All other short-term borrowingshave not been utilized for long-term purposes.xviii. The Company has not made any preferentialallotment of shares during the year, however thecompany has allotted shares to its 100% holdingCompany.xix. During the year, the Company has issueddebentures, which are unsecured, and hence thequestion of creating security does not arise.xx.The Company has not raised any money by wayof public issue during the year.xxi. To the best of our knowledge and belief andaccording to the information and explanationsgiven to us, no material fraud on or by the companywas noticed or reported during the year, althoughthere have been few instances of loans becomingdoubtful of recovery consequent upon fraudulentmisrepresentation by borrowers, the amountwhereof are not material in the context of thesize of the Company and nature of its businessand which have been provided for.Place: MumbaiDate: 17 April, 2007For CHATURVEDI & SHAHChartered AccountantsR. KORIA(Partner)Membership No: 35629152

Appendix III : Auditor’s Report to the Members ofIDBI Intech Limited1. We have audited the attached balance sheet ofIDBI Intech Limited as at March 31, 2007, andalso the profit and loss account for the year endedon that date annexed thereto. These financialstatements are the responsibility of the Company’smanagement. Our responsibility is to express anopinion on these financial statements based on ouraudit.2. We conducted our audit in accordance with theauditing standards generally accepted in India. ThoseStandards require that we plan and perform theaudit to obtain reasonable assurance about whetherthe financial statements are free of materialmisstatement. An audit includes examining, on atest basis, evidence supporting the amounts anddisclosures in the financial statements. An auditalso includes assessing the accounting principlesused and significant estimates made by management,as well as evaluating the overall financial statementpresentation. We believe that our audit providesa reasonable basis for our opinion.3. As required by the Companies (Auditor’s Report)Order, 2003 issued by the Central Governmentof India in terms of sub-section (4A) of section227 of the Companies Act, 1956, we enclose inthe Annexure a statement on the matters specifiedin paragraphs 4 and 5 of the said Order.4. Further to our comments in the Annexurereferred to above, we report that:i. We have obtained all the information andexplanations, which to the best of ourknowledge and belief were necessary for thepurposes of our audit;ii.iii.In our opinion, proper books of account asrequired by law have been kept by theCompany so far as appears from ourexamination of those books;The Balance Sheet and Profit and LossAccount and Cash Flow Statement dealt withby this report are in agreement with thebooks of account;iv.In our opinion, the balance sheet and profitand loss account dealt with by this reportcomply with the accounting standardsreferred to in sub-section (3C) of section 211of the Companies Act, 1956;v. On the basis of written representationsreceived from the directors, as on March 31,2007 we report that none of the directors isdisqualified as on March 31, 2007 from beingappointed as a director in terms of clause (g)of sub-section (1) of section 274 of theCompanies Act, 1956;vi.In our opinion and to the best of ourinformation and according to the explanationsgiven to us, the said accounts read togetherwith the notes thereon give the informationrequired by the Companies Act, 1956, in themanner so required and give a true and fairview in conformity with the accountingprinciples generally accepted in India:a. In the case of the Balance Sheet, of thestate of affairs of the Company as atMarch 31, 2007;b. In the case of the Profit and LossAccount, of the profit for the year endedon that date; andc. In the case of Cash Flow statement, ofthe cash flows for the year ended onthat date.MumbaiDate : April 11, 2007For RMJ & Associates( formerly Desai Bhavsar & Associates)Chartered Accountants(Rakesh Upadhyaya)PartnerMembership Number: 46271153

Annexure to the Auditor’s Report onIDBI Intech Limited( Referred to in paragraph 3 of our report of even date )1. a. The Company has maintained proper recordsshowing full particulars including quantitativedetails and situation of fixed assets.b. As informed and represented to us, fixedassets have been physically verified by themanagement during the year and no materialdiscrepancies were noticed on suchverification.c. In our opinion and according to theinformation and explanations given to us, theCompany has not disposed off a substantialpart of fixed assets during the year therebyaffecting the going concern assumption.2. The Company is a service company, primarilyrendering information technology services.Accordingly it does not hold any physicalinventories. Thus, paragraph 4(ii) of the order isnot applicable.3. The Company has neither granted nor taken anyloans, secured or unsecured, to or fromcompanies, firms or other parties covered in theregister maintained under section 301 of theCompanies Act, 1956. As the Company has notgranted/taken any loans clause (iii)(b), (iii)(c),(iii)(d), (iii)(f) and (iii)(g) of paragraph 4 of the saidorder are not applicable to the Company.4. In our opinion and according to the informationand explanations given to us, there are adequateinternal control procedures commensurate withthe size of the Company and the nature of itsbusiness with regard to purchase of fixed assetsand sale of goods and services. During the courseof our audit, we have not observed any continuingfailure to correct major weakness in internalcontrols.5. a. According to the information andexplanations given to us, we are of the opinionthat the transactions that need to be enteredinto the register maintained under section301 of the Companies Act, 1956 have beenso entered.b. The transactions made in pursuance of suchcontracts or arrangements have been madeat the prices which are reasonable havingregards to the prevailing market prices at therelevant time.6. In our opinion and according to the informationand explanations given to us, the Company hasnot accepted any deposits from the public withinthe meaning of section 58A and 58AA of theCompanies Act, 1956 and the rules framed thereunder.7. The Company has appointed a firm of Auditors tocarry out the internal audit. The internal audit iscommensurate with the size of the company andthe nature of its business.8. The Central Government has not prescribedmaintenance of cost records under section209(1)(d) of the Companies Act, 1956 for any ofthe activities of the Company.9. a. The Company is generally regular indepositing with appropriate authoritiesapplicable undisputed statutory dues includingProvident Fund, ESIC, Income-tax and othermaterial statutory dues applicable to it.However, there were few delays observedin deposit of the Provident Fund dues andNavi Mumbai Municipal Cess.b. According to the information andexplanations given to us, no undisputedamounts payable in respect of Income tax,Sales tax, Customs duty and other materialstatutory were outstanding, as at March 31,2007 for a period of more than six monthsfrom the date they became payable. Exceptfor employer’s contribution to ProvidentFund of Rs. 1,463/- and Navi MumbaiMunicipal Cess of approximately Rs. 2,200/-154

. The said outstanding dues have beensubsequently paid on 7 th April, 2007.c. According to the records of the Company,there are no dues of Sales tax, Income-tax,wealth tax, excise duty, service tax, cess andCustoms duty which have not been depositedon account of any dispute.10. In our opinion the accumulated losses of theCompany as at 31 st March, 2007 are not morethan 50% of its net worth. During the year,Company has not incurred the cash loss.However, in the immediately preceding financialyear, the Company had incurred the cash loss ofRs. 337.21 lacs.11. The Company did not have any outstanding duesto any financial institution, banks or debentureholders during the year.12. The Company has not granted any loans andadvances on the basis of security by way of pledgeof shares, debentures and other securities andtherefore paragraph 4(xii) of the said Orderrelating to maintenance of documents and recordsis not applicable.13. In our opinion, the Company is not a chit fund ora nidhi/mutual benefit fund/society. Therefore theprovisions of paragraph 4(xiii) of the said Orderrelating to compliance with the provisions ofspecial statute relevant to chit fund and nidhi/mutual benefit/societies are not applicable to theCompany.14. In our opinion, the Company is not dealing in ortrading in shares, securities, debentures and otherinvestments. Accordingly, provisions of paragraph4(xiv) of the said Order relating to maintenanceof proper records, timely entries and holdinginvestments in own name are not applicable tothe Company.15. According to the information and explanationsgiven to us, the Company has not given anyguarantee for loans taken by others from bank orfinancial institutions.16. According to the information and explanationsgiven to us, the Company has not raised any termloans and therefore paragraph 4(xvi) of the saidOrder relating to application of term loan for thepurpose for which it was obtained is not applicable.17. The Company has not raised any funds on shortterm basis.18. According to the information and explanationsgiven to us, the Company has not made anypreferential allotment of shares to parties andcompanies covered in the register maintainedunder section 301 of the Companies Act, 1956.19. According to the information and explanationsgiven to us, during the year covered by our auditreport, the Company has not issued anydebentures.20. According to the information and explanationsgiven to us, the Company has not made any publicissue during the year and accordingly paragraph4(xx) of the said Order relating to end use ofmoney raised is not applicable.21. According to the information and explanationsgiven to us, no fraud on or by the Company hasbeen noticed or reported during the course ofour audit.Mumbai :Date : 11 April, 2007For RMJ & Associates( formerly Desai Bhavsar & Associates)Chartered Accountants(Rakesh Upadhyaya)PartnerMembership Number: 46271155

Appendix IV : Auditor’s Report to the Members ofIDBI Gilts LimitedWe have audited the attached Balance Sheet of IDBIGILTS LTD as at 31 ST March, 2007, and the Cash flowStatement of the Company for the year ended on thatdate attached thereto. These financial statements arethe responsibility of the Company’s management. Ourresponsibility is to express an opinion on these financialstatements based on our audit.1. We conducted our audit in accordance withgenerally accepted auditing standards in India.Those Standards require that we plan and performthe audit to obtain reasonable assurance aboutwhether the financial statements are free ofmaterial misstatement. An audit includesexamining, on a test basis, evidence supporting theamounts and disclosures in the financial statements.An audit also includes assessing the accountingprinciples used and significant estimates made bymanagement, as well as evaluating the overallfinancial statement presentation. We believe thatour audit provides a reasonable basis for ouropinion.2. This report does not include a statement on thematters specified in paragraphs 4 of the Companies(Auditor’s report) Order, 2003 issued by theDepartment of Companies Affairs in terms of subsection (4A) of section 227 of the companies Act,1956, since the company has not commenced itstrading operations, hence paragraph 4 and 5 ofthe said CARO, 2003 are not applicable.3. Further to our comments in paragraph 2 above,we report that:(a)(b)we have obtained all the information andexplanations, which to the best of ourknowledge and belief were necessary for thepurposes of our audit;in our opinion, proper books of account asrequired by law have been kept by theCompany, so far as it appears from ourexamination of the books;(c)(d)(e)(f)in our opinion the Balance Sheet and cashflow statement dealt with by this report arein agreement with the books of accountsin our opinion, the Balance Sheet and theCash Flow Statement dealt with by this reportare in compliance with the AccountingStandards referred to in Section 211 (3C) ofthe Companies Act, 1956, to the extentapplicable;On the basis of written representationreceived from the directors, as on 31st March2007 and taken on record by the Board ofDirectors, we report that none of thedirectors is disqualified as on 31st March,2007 from being appointed as a director interm of the clause (g) of sub section (1) ofsection 274 of the Companies Act, 1956.In our opinion and to the best of ourinformation and according to the explanationsgiven to us, the accounts together with thenotes thereon, give the information requiredby the Companies Act, 1956, in the mannerso required and give a true and fair view inconformity with the accounting principlesgenerally accepted in India:(i)(ii)Place : MUMBAIDate : 18.04.2007in the case of the Balance Sheet, of thestate of affairs of the Company as at 31 stMarch, 2007;in the case of the Cash Flow Statement,of the cash flows for the year ended onthat date.For A.T.JAIN & Co.,Chartered AccountantsS.T. JainPartnerMembership No: 33809156