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Higher edu loan_guarantee_sch
Higher edu loan_guarantee_sch
Higher edu loan_guarantee_sch
Higher edu loan_guarantee_sch
Higher edu loan_guarantee_sch
Higher edu loan_guarantee_sch
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Higher edu loan_guarantee_sch

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  • 1. kklu e/; iznsk kklu foRr foHkkx ea=ky;dz-izkfofo@mfkxk;ks&9@lafola@2009@2083 Hkksiky] fnukad 31 vDVwcj] 2009izfr] kklu ds leLr foHkkx] v/;{k] jktLo e.My] Xokfy;j] leLr laHkkxh; vk;qDr] leLr foHkkxk/;{k] leLr ftyk/;{k] e/;iznskA fk{kk fo"k;%& mPp fk{kk _.k gsrq xkjUVh ;kstukA =0= jkT; kklu] ,rn~ }kjk] o"kZ 2009&2010 esa izosk ysus okys ;kstuk esafu/kkZfjr ik=rk ds vk/kkj ij ik= fo|kfFkZ;ksa ds fy;s mPp fk{kk _.k gsrq xkjUVh;kstuk ykxw djrh gSA mDr ;kstuk dk Lo:Ik fuEukuqlkj gksxk%&2@& ;kstuk dh vko;drk%& dhjkT; kklu mPp fk{kk ds {ks= esa izxfr ds fy, dfVc) gSA iznsk esas fuEu vk;oxZ dss es/kkoh fo|kfFkZ;ksa dks mPp fk{kk gsrq fk{kk _.k izkIr djus esa dfBukbZgksrh gS D;ksafd cSadksa }kjk fu/kkZfjr lhek ls vf/kd _.k izkIr djus ij dkWysVjyflD;wfjVh ekaxh tkrh gSAHkkjrh; fjtoZ cSad }kjk tkjh funsZk vuqlkj orZeku esa mPp fk{kk gsrq cSad ls _.kizkIr djus ij :Ik;s 4 yk[k rd ds _.k gsrq fdlh izdkj dh dkWysVjyflD;wfjVh dh vko;drk ugaha gksrh gS fdUrq blls vf/kd jkfk ds _.k gsrq cSad}kjk dkWysVjy flD;wfjVh fy, tkus dk izko/kku gSA fuEu vk; oxZ ds fo|kfFkZ;ksads ifjokj }kjk muds ikl Hkwfe] Hkou vkfn ugha gksus ls dkWysVjy flD;wfjVh nhtkuk laHko ugha gksrk gSA vr% ,sls xjhc es/kkoh fo|kFkhZ] ftUgsa mPp fk{kk gsrq_.k dh vko;drk gS rFkk dkWysVjy flD;wfjVh ds vHkko esa cSad ls _.k izkIrugha dj ldrs gS] dks cSadksa ds ek/;e ls jkT; ljdkj dh xkjUVh ij fk{kk _.k amiyC/k djk;k tk ldrk gSA 1
  • 2. 3@& ;kstuk dk Lo:Ik ,oa fdz;kUo;u djus okys foHkkx %&bl ;kstuk dk fdz;kUo;u rduhdh fk{kk] fpfdRlk fk{kk ,oa mPp fk{kk foHkkx}kjk fd;k tkosxkA ;kstuk ds vUrxZr fofHkUu ikB~;dzeksa esa mPp fk{kk ds fy,_.k izkIr djus gsrq e/;iznsk kklu ds rduhdh fk{kk] fpfdRlk fk{kk ,oa mPpfk{kk foHkkx }kjk muls lacaf/kr vf/klwfpr ikB~;dzeksa ds fo|kfFkZ;ksa gsrq xkjaVh nhtkosxhA izR;sd foRrh; o"kZ esa vf/kdre 200 fo|kfFkZ;ksa ds izdj.kksa gsrq xkjaVh nhtk ldsxhA foHkkx&okj fo|kfFkZ;ksa dks fk{kk _.k gsrq nh tkus okyh xkjaVh dhla[;k dk fu/kkZj.k foRr foHkkx }kjk fd;k tk;sxkA blesa fonskksa esa mPp fk{kkizkIr djus gsrq _.k Hkh lfEefyr jgsx] ijUrq ,sls fo|kfFkZ;ksa dh la[;k foHkkx gsrq safu/kkZfjr la[;k dh dqy la[;k ds 20 izfrkr ls vf/kd ugha gksxhA mPp fk{kk_.k xkjaVh ;kstuk esa vf/klwfpr ikB~;dzekas ,oa fk{k.k laLFkkvksa dk fu/kkZj.k lacaf/krfoHkkxksa }kjk fd;k tkosxkA mijksDrkuqlkj xkjaVh kkldh;@kklu ls lgk;rk izkIr,oa fonsk esa mPp fk{kk gsrq izfrf"Br egkfo|ky;ks@foofo|ky;ksa ds ikB~;dzeksa esa av/;;u ds fy;s gh nh tk ldsxhA ijUrq blesa ih,p0Mh0 ds ikB~;dze kkfey ughagksxA fo|kFkhZ dks mPp fk{kk _.k xkjaVh fdlh Hkh ,d ikB~;dze ds fy;s ,oa ,d sackj gh nh tk ldsxhA4@& ykHkkFkhZ %&e/;iznsk mPp fk{kk _.k gsrq xkjaVh ;kstuk ds vUrxZr ,sls fo|kFkhZ ik= gksaxsaftuds ifjokj dh lHkh L=ksrksa ls okf"kZd vk; :Ik;s 3 yk[k ls vf/kd ugha gSAlacaf/kr fo|kFkhZ ds ekrk&firk@ikyd dks ;g kiFk&i= nsuk gksxk fd muds ikldkWysVjy flD;wfjVh gsrq i;kZIr vkfLr;kWa ugha gS rFkk mlds ikl miyC/k vkfLr;ksadk fooj.k kiFk&i= ds lkFk layXu djus gksxA sa5@& Nkuchu lfefr %&jkT; kklu }kjk e/;iznsk mPp fk{kk _.k gsrq xkjaVh ;kstuk ds vUrxZr fo|kfFkZ;ksads p;u gsrq bl ;kstuk dk fdz;kUo;u djus okys foHkkxksa ds vUrxZr Nkuchulfefr dk xBu fd;k tk;sxk tks ;kstuk ds vUrxZr izkIr gksus okys vkosnuksa ijfopkj dj xq.k&nks"k ds vk/kkj ij mi;qDr fo|kfFkZ;ksa dk p;u djsxhA lfefr dhv/;{krk lacaf/kr foHkkx ds izeq[k lfpo@lfpo djsxsa rFkk lacaf/kr foHkkxk/;{k]lapkyd] laLFkkxr foRr ,oa la;kstd] jkT; Lrjh; cSadlZ lfefr vFkok mudsizfrfuf/k bl lfefr ds lnL; gksaxA lacaf/kr foHkkxk/;{k lfefr ds lnL; lfpo s 2
  • 3. gksaxA foHkkx }kjk Nkuchu lfefr dh cSBd izR;sd 3 ekg esa de ls de ,d ckj savk;ksftr dh tk;sxhA6@& p;u izfdz;k%&izR;sd izdj.k esa mijksDrkuqlkj xfBr Nkuchu lfefr }kjk fk{kk _.k gsrq xkjaVh nsusdk fu.kZ; xq.k&nks"k ds vk/kkj ij ikjnkhZ p;u izfdz;k ds ek/;e ls fd;k tkosxkAlfefr }kjk p;u djrs le; fuEu fcUnqvksa dh tkap dh tkosxh %&6-1 fo|kFkhZ }kjk p;fur ikB~;dze dh xq.koRrk ,oa izklafxdrkA6-2 fo|kFkhZ }kjk p;fur fk{k.k laLFkku dh ekU;rkA6-3 fo|kFkhZ dh kS{kf.kd i`"BHkwfe rFkk gk;j lsd.Mjh ,oa mlds ckn dh ijh{kkvksa esa fo|kFkhZ ds izkIrkadksa dk izfrkrA6-4 fo|kFkhZ ds ikyd dh vkfFkZd fLFkfrA6-5 fo|kFkhZ }kjk p;u fd;s x;s ikB~;dze esa p;u dh izfdz;kA6-6 fo|kFkhZ dks cSad }kjk fn;s tkus okys _.k dh okilh dh laHkkouk dk ewY;kaduA foHkkxksa }kjk izkIr vkosnuksa esa ls xkjaVh nsus gsrq izdj.kksa dk p;u fo|kFkhZ dsiwoZ kS{kf.kd miyfC/k;ksa ds vk/kkj ij fd;k tk;sxkA7@& foHkkx ,oa cSad dk nkf;Ro%&7-1 foHkkx ,oa cSad dk ;g nkf;Ro gksxk fd og mPp fk{kk _.k ds fo:) xkjaVh izkIr djus okys fo|kFkhZ ds lacaf/kr ikB~;dze esa nkf[kys ds ipkr izR;sd o"kZ@lsfeLVj dh kS{kf.kd miyfC/k dh leh{kk djsA7-2 cSad }kjk ,sls fo|kFkhZ gsrq ns; fk{k.k kqYd dk fuxZeu lh/ks egkfo|ky;@foofo|ky; dks fd;k tk;sxkA izosk o"kZ dks NksM+dj vkxkeh o"kksZa esa fk{k.k kqYd ds Hkqxrku ds iwoZ fo|kFkhZ ds lacaf/kr ikB~;dze ds izR;sd o"kZ@lsfeLVj dh kS{kf.kd miyfC/k dh leh{kk dh tk;sxhA7-3 fdlh fo|kFkhZ ds lsfeLVj@okf"kZd ijh{kk esa miyfC/k larks"ktud ugha ikbZ tkrh gS vFkok chp esa gh i<+kbZ NksM+ nh tkrh gS rks ,slh fLFkfr esa cSad dks bu izdj.kksa esa fuxZfer _.k rFkk ml ij mDr fnukad rd ns; C;kt dh jkfk ¼dqy ns; jkfk½ dh tkudkjh 30 fnol dh le;kof/k esa jkT; kklu ds lacaf/kr izkkldh; foHkkx ,oa foRr foHkkx dks nsuh gksxhA cSad mDr lwpuk ds mijkUr _.k olwyh dh fu;ekuqlkj dk;Zokgh rRdky izkjEHk djsxh rFkk jkT; kklu ds xkjaVh varxZr nkf;Roksa esa cSad ds ikl tkudkjh 3
  • 4. izkIr gksus ds fnukad ds ckn ds C;kt dk Hkkj kkfey ugha gksxkA cSad }kjk vuqnku dh jkfk ds lek;kstu mijkUr olwy ugha gks lds _.k ,oa C;kt dh jkfk dh okfilh dh ekax jkT; kklu ls djus ij foRr foHkkx }kjk kq) ns; jkfk cSad dks rRdky miyC/k djkbZ tk;sxhA mDrkuqlkj jkfk fuxZeu ds ipkr ,slh xkjaVh Loeso fujLr gks tk;sxhA7-4 ,sls izdj.k ftuesa jkT; kklu dks xkjaVh ds fo:) cSad dks Hkqxrku djuk iM+rk gS ogka ,sls fo|kFkhZ@ vfHkHkkod ls jkT; kklu }kjk Hkqxrku dh xbZ jkfk dh iw.kZ olwyh gksus ds fnukad rd] _.k gsrq cSad }kjk fu/kkZfjr C;kt nj ij] ds C;kt lfgr olwyh ;ksX; gksxhA ;g jkfk lacaf/kr izkkldh; foHkkx] ftlds }kjk xkjaVh nh xbZ gS] ds }kjk Hkw&jktLo dh cdk;k jkfk (arrears of land revenue) ds leku olwyh ;ksX; gksxhA7-5 _.kizkIrdrkZ dks ;fn dsUnz ljdkj vFkok vU; fdlh laLFkk ls _.k vFkok C;kt ij fdlh izdkj dk vuqnku izkIr gksrk gS rks mDr vuqnku dh jkfk dk] _.k izkIrdrkZ dh nsunkfj;ksa ds fo:) lek;kstu djus ds mijkUr ks"k jgh jkfk ds 80 izfrkr rd dk Hkqxrku gh jkT; kklu }kjk xkjaVh ds varxZr fd;k tk;sxkA7-6 cSad }kjk fo|kFkhZ dks xkjaVh ds fo:) fuxZfer@cdk;k _.k dh jkfk ,oa ks"k C;kt ds v|ru fooj.k izR;sd N% ekg esa ,d ckj foHkkx dks miyC/k djk;s tk;sxA foHkkx }kjk izR;sd xkjaVh ds fo"k; esa iznRr _.k] sa olwyh ,oa v|ru C;kt dh jkfk dh tkudkjh fu/kkZfjr izi= esa la/kkfjr dh tk;sxh rFkk mlds vk/kkj ij foRr foHkkx dks N^ekgh izfrosnu izLrqr djuk gksxkA8@& xkjaVh dh fuca/k ,oa krs%& Za8-1 ;kstuk varxZr xkjaVh e/; iznsk kkldh; izR;kHkwfr fu;e] 1976 ds rgr fu/kkZfjr izfdz;k ds vuqlkj tkjh dh tk;sxhA8-2 fo|kFkhZ dks xkjaVh ds vkosnu ds lkFk lacaf/kr cSad }kjk tkjh ;g izek.k&i= nsuk gksxk fd cSad us _.k ds fo:) ¼80 izfrkr dh lhek rd½ dksbZ vU; dkWysV~jy flD;wfjVh (Collateral Security) izkIr ugha dh gSA8-3 _.kh }kjk _.k@C;kt ds Hkqxrku esa pwd djus ij izFker% cSad }kjk olwyh dh dk;Zokgh dh tk;sxh vkSj rRipkr gh vuqnku dh jkfk ds lek;kstu mijkUr ks"k cph jkfk ds fy;s jkT; kklu dh xkjaVh ds fo:) ekax djus ij jkT; kklu }kjk Hkqxrku fd;k tk ldsxkA8-4 izkkldh; foHkkx izfro"kZ ;kstukUrxZr foHkkx }kjk tkjh dh tkus okyh xkjaVh dh dqy lhek esa izdj.k okj ¼fo|kFkhZ okj½ xkjaVh tkjh dj ldsxkA foHkkx }kjk gh tkjh dh xbZ xkjaVh rFkk mlds fo:) iznRr _.k] C;kt ,oa _.k 4
  • 5. dh okilh dk ys[kk tks[kk j[kk tk;sxkA foHkkx fu/kkZfjr izi= esa izfr N% ekg esa foRr foHkkx dks tkudkjh miyC/k djk;sxkA8-5 ;kstuk varxZr izkkldh; foHkkx }kjk vf/klwfpr nsk esa fLFkr kS{kf.kd laLFkku esa mPp fk{kk izkIr djus gsrq vf/kdre~ :- 7-50 yk[k rFkk fonsk esa fk{kk gsrq vf/kdre~ :- 15 yk[k rd ds _.k ij xkjaVh nh tk ldsxhA8-6 xkjaVh dh jkfk dqy _.k rFkk ml ij ns; C;kt ¼_.k Lohd`fr ds le; fu/kkZfjr C;kt nj½ ds 80 izfrkr rd dh lhek esa jgsxhA8-7 xkjaVh dh vof/k _.k Lohd`fr ds le; _.k pqdkjs gsrq fu/kkZfjr dh xbZ vof/k ls 6 ekg ipkr rd jgsxhA ijUrq df.Mdk 7-3 ,oa 7-5 esa mYysf[kr izdj.kksa esa jkT; kklu }kjk cSad dks ,slh jkfk dk Hkqxrku djus ds ipkr xkjaVh Loeso fujLr gks tk;sxhA8-8 ;kstuk esa p;fur fo|kFkhZ ,oa mlds ikydksa dks viuk ikB~;dze iwjk djus rFkk cSad ls izkIr _.k dks e; C;kt ds okfil djus gsrq ,d ca/k&i= ¼Bond½ fu"ikfnr djuk gksxkA8-9 ;kstuk varxZr tkjh xkjaVh ij fu;ekuqlkj xkjaVh Qhl ns; gksxhA9@& mDr vknsk rRdky izHkko ls izHkkokhy gksaxA s e/;iznsk ds jkT;iky ds uke ls uke rFkk vknskkuqlkj ¼th0ih0 fla?ky½ izeq[k lfpo e-iz-kklu] foRr foHkkxi`-dz-izkfofo@mfkxk;ks&9@lafola@2009@2084 Hkksiky] fnukad 31 vDVwcj] 2009izfrfyfi%& 1- jkT;iky e/;iznsk ds lfpo] jktHkou] HkksikyA 2- izeq[k lfpo] e/;iznsk fo/kkulHkk] HkksikyA 3- fuca/kd] mPp U;k;ky; e/;iznsk] tcyiqjA 4- izeq[k lfpo] eq[;ea=h lfpoky;] HkksikyA 5- lfpo] yksd lsok vk;ksx] e/;iznsk] HkksikyA 6- lfpo] yksdk;qDr] e/;iznsk] HkksikyA 7- fut lfpo@fut lgk;d] ea=h@jkT;ea=h] e/;iznsk kklu] HkksikyA 8- eq[; fuokZpu inkf/kdkjh] e/;iznsk] HkksikyA 9- lfpo] jkT; fuokZpu vk;ksx] e/;iznsk] HkksikyA 5
  • 6. 10- jftLVªkj] e/;iznsk jkT; izkklfud U;k;kf/kdj.k] Hkksiky@tcyiqj@bankSj@ Xokfy;jA11- egkf/koDrk@mi&egkf/koDrk] e/;iznsk] tcyiqj@bankSj@Xokfy;jA12- egkys[kkdkj ¼ys[kk vkSj gdnkjh½@vkfMV 1@2] e/;iznsk] Xokfy;j@HkksikyA13- v/;{k] O;kolkf;d ijh{kk eaMy@ek/;fed fk{kk eaMy] HkksikyA14- izeq[k lfpo@lfpo@mi lfpo] lkekU; izkklu foHkkx] HkksikyA15- vk;qDr] tulaidZ lapkyuky;] e/; iznsk] HkksikyA16- fu;a=d] kkldh; dzUnzh; eqnz.kky;] HkksikyA17- voj lfpo] lkekU; izkklu foHkkx ¼LFkkiuk kk[kk@v/kh{k.k kk[kk@vfHkys[k@ eq[; ys[kkf/kdkjh½] ea=ky;] HkksikyA18- eq[; lfpo ds LVkQ vkfQlj] ea=ky;] HkksikyA19- la;qDr lapkyd] tulaidZ izdks"B] ea=ky;] HkksikyA20- {kS=h; funskd] Hkkjrh; fjtoZ cSad] HkksikyA21- Eq[; eegkizc/kd] ukckMZ] HkksikyA a22- la;kstd] jkT; Lrjh; cSadlZ lfefr] HkksikyA23- iznsk esa dk;Zjr lHkh cSadksa ds jkT; Lrjh; izeq[k] HkksikyA24- v/;{k] leLr {ks=h; xzkeh.k cSadA25- leLr vxz.kh ftyk izc/kd] e/; iznskA a26- v/;{k] e/;iznsk jkT; deZpkjh dY;k.k lfefr] d{k&84] ea=ky;] HkksikyA27- v/;{k] kklu ds leLr ekU;rk izkIr deZpkjh laxBu@la?kA28- xkMZ QkbZyAdh vksj lwpukFkZ ,oa vko;d dk;Zokgh ds fy;s vxzsf"krA ¼euh"k flag½ lapkyd lapkyuky; laLFkkxr foRr e/;iznsk 6

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