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104      ‡ÊÊœ, ‚◊ˡÊÊ •ÊÒ⁄U ◊ÍÀÿÊ¢∑§Ÿ (•ãÃ⁄U⁄UÊCÔ˛UËÿ ‡ÊÊœ ¬ÁòÊ∑§Ê)—ISSN-0974-2832,Vol. II, Issue-11-12 (Dec.2009—Jan.2010)


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    cSafdax ifjn`'; esa lcls dfBu dk;Z _.kksa dh olwyh dks         U;k;kf/kdj.k rFkk vihysV fVªC;wuy LFkkfir fd;s x;s gSa]
ekuk tkrk gSA cSadksa }kjk çnku fd;s tkus okys _.k ,oa             buesa 10 yk[k #i;s ls vf/kd jkf'k ds ekeyksa dh lquokbZ
vfxze cSadksa dh le`f) dk lwpd ekus tkrs gSaA pw¡fd cSadksa        dh tkrh gSA
}kjk LohÑr _.kksa esa vf/kdkf/kd Hkkx tekdrkZvksa }kjk tek                 js o s U ;w fjdojh lfVZ f Qds V %
dh xbZ jkf'k dk gksrk gS]A                                                 e/;çns'k esa cSadksa ds c<+rs foLrkj rFkk muesa fofu;ksftr
        ^_.k ,oa vfxzeksa ds 7 vk/kkjHkwr fl)kar ekus x;s gSa &    dh tkus okyh jkf'k;ksa esa o`f) dks ns[krs gq;s e/;çns'k ljdkj
1- lqj{kk] 2- rjyrk] 3- ykHknk;drk] 4- mn~ns';] 5- çfrHkwfr]       }kjk ^e/;çns'k yksd /ku ¼'kks/; jkf'k;ksa dh olwyh½ vf/
6- laj{kk dk foLrkj] 7- jk"Vªh; ç;kstuA1 bu fl)karksa dk           kfu;e] 1987 dk çkjaHk fd;k x;kA4 bldk çeq[k mn~ns';
çR;sd cSad }kjk _.k LohÑfr ds iwoZ /;ku j[kuk vfuok;Z              e/;çns'k ds vkfFkZd fodkl esa cSadksa ds ;ksxnku dks c<+kok
gksrk gS bl egRoiw.kZ dk;Z esa gqbZ vlko/kkuh vFkok vfu;ferrk      nsuk gSA blh lanHkZ esa cSad }kjk Lo;a ds u olwy gq;s _.kksa
xSj&fu"iknd vkfLr;ksa dks tUe nsrh gSA xSj&fu"iknd vkfLr;k¡        gsrq jsosU;w fjdojh lfVZfQdsV~l nkf[ky fd;s tkrs gSa nkf[ky
cSadksa }kjk çnku fd;s x;s _.kksa dk og Hkkx gksrh gSa ftudh       fd;s x;s lfVZfQdsV~l ij rglhynkj }kjk jlhn nh tkrh
çkfIr fu/kkZfjr le;kof/k esa ugha gks ldh gSA o"kZ 1985&86         gS A _.k dh olwyh gksus ij cSadksa dks lwfpr fd;k tkrk
esa cSad _.kksa dks ßlEifŸk oxhZdj.k ç.kkyhÞ ds vk/kkj ij          gSA e/;çns'k esa jsosU;w fjdojh lfVZfQdsV~l ds lanHkZ esa
^gSYFk dksM* larks"ktud] vfu;fer] #X.k] Lej.kh; vfxze]             jk"Vªh;Ñr cSadksa dh fLFkfr bl çdkj gS %& rkfydk ds
mi;qDr uLrhc) [kkrs] oS/kkfud _.k rFkk v'kks/; _.k esa             vuqlkj e/;izns'k ds jk"Vªh;d`r cSadksa esa yfEcr jsosU;w fjdojh
foHkkftr fd;k x;kA2 o"kZ 1991 esa ,e- ujflage dh v/;{krk           lfVZfQdsV~l dh la[;k 31 ekpZ 2005 ls 31 ekpZ 2008 ds
esa ,d lfefr dh xBu fd;k x;kA bl lfefr dh flQkfj'kksa              e/; 1516834 FkhA buessa 5 o"kZ rd ds lfVZfQdsV~l dk
ds vk/kkj ij o"kZ 1992&93 esa _.kksa dk pkj oxksZa ekud]           izfr'kr 51-12 Fkk rFkk 'ks"k 48-88 izfr'kr lfVZfQdsV~l 5 o"kZ
ekudsÙkj] lafnX/k rFkk gkfuxzLr esa oxhZÑr fd;k x;k Hkkjrh;        ls vf/kd vof/k ds FksA bu lfVZfQdsV~l ds lanHkZ esa fparktud
cSfdax ifjçs{; esa _.kksa dh olwyh dh fofHkUu fof/k;ksa dks oS/
  a                                                                rF; ;g jgk fd dsoy 31 ekpZ 2006 dks buesa 69810 dh
kkfud rFkk xSj&fof/kd ç;kl esa oxhZÑr fd;k x;k gSA cSdksa    a     deh gqbZ] ijarq 31 ekpZ 2007 o 31 ekpZ 2008 dks Øe'k%
}kjk fd;s tkus okys dqN izeq[k oS/kkfud iz;kl bl izdkj gS&     a   84913 o 3974 dh o`f) ntZ dh xbZA rkfydk ds vuqlkj
        cS a d ,oa vU; foÙkh; la L Fkkvks a dk _.k olw y h         5 o"kZ rd rFkk mlls vf/kd dh vof/k ls yafcr fjosU;w
vf/kfu;e] 1993 % bl vf/kfu;e dks 24 twu 1993 dks                   fjdojh lfVZfQdsV~l dh jkf'k Øe'k% 1908-37 djksM+ rFkk
,d v/;kns'k ds :i esa tkjh fd;k x;k3 rFkk 27 vxLr                  1084-97 djksM+ :i;s Fkh] tcfd 31 ekpZ 2005 ls 31 ekpZ
1993 dks bl ij LohÑfr çnku dh xbZA blh fnu bls                     2008 ds e/; budh dqy jkf'k 20993-33 djksM+ :i;s jghA
lwpuk :i esa Hkkjr ljdkj ds xtV esa Hkh çdkf'kr fd;k               bl jkf'k esa lHkh o"kksZa dk izfr'kr Øe'k% 26-18] 23-47] 24-
x;kA ;g vf/kfu;e tEew ,oa d'ehj dks NksM+dj lEiw.kZ                10 rFkk 26-26 vkadk x;kA bruh cM+h jkf'k dk yafcr gksuk
Hkkjr esa ykxw gSA bl vf/kfu;e ds varxZr _.k olwyh                 cSadksa ds fy, fuf'pr gh fopkj.kh; rF; gSA

                    * Áfl÷ʪÊäÿˇÊ flÊÁáÊÖÿ Áfl÷ʪ, ‡ÊÊ‚∑§Ëÿ ∑§‹Ê ∞fl¢ flÊÁáÊÖÿ ◊„UÊÁfllÊ‹ÿ, ‚ʪ⁄U
                      ** •ÁÃÁÕ √ÿÊÅÿÊÃÊ, flÊÁáÊÖÿ Áfl÷ʪ, ‚⁄U „U⁄UËÁ‚¢„U ªÊÒ⁄U ◊„UÊÁfllÊ‹ÿ, ‚ʪ⁄U
Shodh, Samiksha aur Mulyankan (International Research Journal)—ISSN-0974-2832,Vol. II, Issue-11-12 (Dec.2009—Jan.2010)                                                         105


                      rkfydk Ø-1                                                             fd;k tkus yxkA ,slh fLFkfr esa vf/kd Hkkj ls mudk dk;Z
  e/;çns'k ds jk"Vªh;Ñr cSadksa esa yfEcr jsosU;w fjdojh                                     çHkkfor gksrs ns[kdj laln }kjk o"kZ 2002 esa ,d dkuwu ykxw
                 lfVZfQdsV~l dh fLFkfr                                                       fd;k x;k ftls ^foŸkh; lEifŸk;ksa dk çfrHkwfrdj.k o iquxZBu
 Ø- o"kZ                  yfEcr vof/k                                     dqy                rFkk çfrHkwfr ykHk çR;korZu dkuwu 2002* dgk x;kA6 bls
                          5 o"kZ rd             5o"kZ ls vf/kd                               ysunkjksa rFkk cSad dh _.k olwyh çfØ;k esa vkbZ ck/kkvksa dks
 1-    31-03-05           187025                201091                    388116
 2-    31-03-06           128495                189811                    318306             nwj djus ds mn~ns'; ls çkjaHk fd;k x;kA7
 3-    31-03-07           198750                204469                    403219                    flfoy dks V Z % cS a d ks a ds _.k [kkrs dHkh&dHkh
 4-    31-03-08           261154                146039                    407193             vkikrdkyhu fLFkfr esa vk tkrs gSaA bl fLFkfr ds mik; ds
¼lzksr % vxz.kh cSad {ks=h; dk;kZy;] lsUVªy cSad vkWQ bf.M;k]                                :i esa flfoy dksVZ ,d mfpr fof/k gSA blds varxZr okn
Hkksiky] i`-78]103] 67 ,oa 73½                                                               lEiw.kZ jkf'k gsrq gh nkf[ky fd;k tk ldrk gSaA flfoy okn
                          rkfydk Ø- 2                                                        dh çfØ;k dk çkjaHk lEeu ls gksrk gS tks _.kh@cpkodrkZ
     e/;çns'k ds jk"Vªh;Ñr cSadksa esa fofHkUu o"kksZa esa jsosU;w                           dks dksVZ }kjk Hkstk tkrk gSA8 blds i'pkr~ _.kh }kjk vius
  fjdojh lfVZfQdsV~l ds varxZr 'kkfey jkf'k dh fLFkfr                                        cpko esa dksVZ dks i= Hkstk tkrk gS ftlds tckc esa oknh
                                  ¼jkf'k djksM+ :i;s esa½                                    }kjk cpkodrkZ ds ç'uksa dk mŸkj fn;k tkrk gSA bl vof/
 Ø- o"kZ                  yfEcr vof/k                                     dqy                k esa ;fn oknh rFkk cpkodrkZ fdlh fo"k; ij lger gksa rks
                          5 o"kZ rd             5 o"kZ ls vf/kd                              le>kSrk Hkh gks tkrk gSA vUr esa U;k;ky; fu.kZ; nsrk gS
 1     31-03-05           507-60                275-80                    783-40
                                                                                             mnkgj.k ds fy;s _.kh ds osru esa ls le>kSrk] fMØh] cgqr
 2     31-03-06           423-52                278-81                    70233
 3     31-03-07           430-98                290-70                    72168              dfBu ifjfLFkfŸk;k¡ gksus ij _.kh dks canh cukus dk vkns'k
 4     31-03-08           546-26                239-66                    78592              Hkh fn;k tk ldrk gSA oS/kkfud iz;klksa ds vfrfjDr cSadksa
¼lzksr% vxz.kh cSad {ks=h; dk;kZy;] lsUVªy cSad vkWQ bf.M;k]                                 }kjk _.kksa dh olwyh gsrq xSj&oS/kkfud iz;kl Hkh fd;s tkrs
Hkksiky] i`- 78]103]67 ,oa 73½                                                               gSa] ftuesa nsunkj ls laidZ] le>kSrk&fuiVku] izfrHkwfrdj.k]
       dkuwuh uksfVl % tc okrkZ ds i'pkr~ Hkh cSad dks jkf'k                                 :X.k bdkbZ;ksas dk iquZokl vkfn dks lfEefyr fd;k tkrk gSA
olwy djus esa lQyrk çkIr ugha gksrh gS rks cSad mls dkuwuh                                   ;|fi cSadksa }kjk _.k olwyh gsrq izR;sd laHko iz;kl fd;s
uksfVl Hkst ldrk gSA                                                                         tkrs gSaA ijarq ,d izeq[k leL;k iz;klksa ds p;u dh Hkh
       yksd vnkyr % yksd vnkyr ,d de vof/k esa _.k                                           gSA_.k olwyh dh fdlh Hkh fof/k ds ç;ksx ds iwoZ ;g /;ku
olwyh dk mi;qDr ek/;e gSA ^yksd vnkyr dh ewy vo/                                             j[kuk Hkh vfuok;Z gksrk gS fd fdl çdkj ds ekeyksa esa
kkj.kk ;g gS fd fdlh Hkh ekeys dks U;kf;d çfØ;k dh                                           dkSu&lh fof/k mi;qDr gksxhA de jkf'k okys ekeyksa esa yksd
vis{kk lkekU; okrkZ ds ek/;e ls gy djuk vf/kd ykHkçn                                         vnkyr] le>kSrk fuiVku tSlh fof/k;ksa dk ç;ksx fd;k tk
gksrk gSAyksd vnkyrksa dks U;k;ky; ls iwjh ekU;rk çkIr gSA                                   ldrk gS] tcfd cM+h jkf'k okys ekeyksa esa _.k olwyh
lEiw.kZ çfØ;k esa fdlh Hkh çdkj dh Qhl ds Hkqxrku dh                                         U;k;kf/kdj.kksa esa okn nkf[ky djuk vf/kd mfpr gksrk gSA
vko';drk ugha gksrh gS tks fd NksVs _f.k;ksa dh n`f"V ls                                     çkjafHkd ç;kl ds :i esa xSj fof/kd ek/;eksa dk ç;ksx djuk
mŸke gSA ^bu vnkyrksa esa 5 yk[k #i;s rd ds ekeyksa dk                                       pkfg;s rkfd U;kf;d çfØ;k esa cSad dk le; o /ku O;FkZ u
fuiVkjk gksrk gSA5                                                                           gks ijUrq tSls gh xSj fof/kd ç;klksa dh lQyrk lafnX/k yxus
       ykHk çR;korZ u dkuw u 2002 % tc _.k olw y h                                           yxs rks 'kh?kzkfr'kh?kz oS/kkfud mik;ksa dh vksj /;ku fn;k tkuk
U;k;kf/kdj.kksa dh LFkkiuk dh xbZ rks cSad o vU; foŸkh;                                      pkfg;sAxSj&fu"iknd jkf'k;k¡ ftrus o`gr~ :i esa cSad esa
laLFkkvksa }kjk vius oknksa dks ogha nkf[ky djus dk ç;kl                                     fo|eku jgsaxh cSad mruk 'kh?kz iru dh vksj vxzlj gksxkA
‚ãŒ÷¸                                 ª˝ ã Õ
       1.SubramanianG.: SBI Group Promotional Exams. Banking Guide, J.S. Institute of Banking and Careers, Bangalore (1991), p.2-1-1. 2. Ram Pratap
Sinha, "Asset Composition and NPA Profile of Indian Commercial Banks, Business Perspectives                               (Jan.-Mar., 2005), p. 25-44. 3 feRry Mh-ds- % cSd cdk;ksa dh
                                                                                                                                                                          a
olwyh ,oa _.k olwyh U;k;kf/kdj.k] cSfdax fparu&vuqfparu] cSdj çf'k{k.k egkfo|ky; ¼vçSy&twu 2006½] i`-33&34- 4 Everlatest in Banking : State Bank of India Officer's Association,
                                    a                      a
Bhopal Circle, Diwakar Prin ters & Publishers, Bhopal (2001), p.7-440 5 Subramanian G. : SBI Group Promotional Exams. Banking Guide, J.S. Institute
of Banking and Careers, Bangalore, 1999, p. 2-4-27 6 V.Mu jfoukFk % cSadksa dh _.k olwyh] cSafdax fparu&vuqfparu] ¼tu-&ekpZ 2005½] i`- 28&33- 7 Sharma K.C. : Insolvency
Under Indian Law : What are the options for banks as secured creditors, The Indian Banker, Indian Banks' Association (April 2007), p.21-27. 8 Everlatest
in Banking : State Bank of India Officer's Association, Bhopal Circle, Diwakar Prin ters & Publishers, Bhopal (2001), p. 7-428.

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  • 1. 104 ‡ÊÊœ, ‚◊ˡÊÊ •ÊÒ⁄U ◊ÍÀÿÊ¢∑§Ÿ (•ãÃ⁄U⁄UÊCÔ˛UËÿ ‡ÊÊœ ¬ÁòÊ∑§Ê)—ISSN-0974-2832,Vol. II, Issue-11-12 (Dec.2009—Jan.2010) ’Ò¥∑§Ê¥ ∑§Ë ªÒ⁄U-ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¥ ∑§Ë fl‚Í‹Ë ◊¥ ¬˝ÿÈÄà flÒœÊÁŸ∑§ ¬˝ÿÊ‚ [◊äÿ ¬˝Œ‡Ê ∑§ ‚¢Œ÷¸ ◊¥] *«UÊÚ. ∞.‚Ë. ¡ÒŸ** «UÊÚ. ŒËÁåà ÷ÍÁ⁄UÿÊ ‡ÊÊœ¬òÊ-flÊÁáÊÖÿ Áfl÷ʪ cSafdax ifjn`'; esa lcls dfBu dk;Z _.kksa dh olwyh dks U;k;kf/kdj.k rFkk vihysV fVªC;wuy LFkkfir fd;s x;s gSa] ekuk tkrk gSA cSadksa }kjk çnku fd;s tkus okys _.k ,oa buesa 10 yk[k #i;s ls vf/kd jkf'k ds ekeyksa dh lquokbZ vfxze cSadksa dh le`f) dk lwpd ekus tkrs gSaA pw¡fd cSadksa dh tkrh gSA }kjk LohÑr _.kksa esa vf/kdkf/kd Hkkx tekdrkZvksa }kjk tek js o s U ;w fjdojh lfVZ f Qds V % dh xbZ jkf'k dk gksrk gS]A e/;çns'k esa cSadksa ds c<+rs foLrkj rFkk muesa fofu;ksftr ^_.k ,oa vfxzeksa ds 7 vk/kkjHkwr fl)kar ekus x;s gSa & dh tkus okyh jkf'k;ksa esa o`f) dks ns[krs gq;s e/;çns'k ljdkj 1- lqj{kk] 2- rjyrk] 3- ykHknk;drk] 4- mn~ns';] 5- çfrHkwfr] }kjk ^e/;çns'k yksd /ku ¼'kks/; jkf'k;ksa dh olwyh½ vf/ 6- laj{kk dk foLrkj] 7- jk"Vªh; ç;kstuA1 bu fl)karksa dk kfu;e] 1987 dk çkjaHk fd;k x;kA4 bldk çeq[k mn~ns'; çR;sd cSad }kjk _.k LohÑfr ds iwoZ /;ku j[kuk vfuok;Z e/;çns'k ds vkfFkZd fodkl esa cSadksa ds ;ksxnku dks c<+kok gksrk gS bl egRoiw.kZ dk;Z esa gqbZ vlko/kkuh vFkok vfu;ferrk nsuk gSA blh lanHkZ esa cSad }kjk Lo;a ds u olwy gq;s _.kksa xSj&fu"iknd vkfLr;ksa dks tUe nsrh gSA xSj&fu"iknd vkfLr;k¡ gsrq jsosU;w fjdojh lfVZfQdsV~l nkf[ky fd;s tkrs gSa nkf[ky cSadksa }kjk çnku fd;s x;s _.kksa dk og Hkkx gksrh gSa ftudh fd;s x;s lfVZfQdsV~l ij rglhynkj }kjk jlhn nh tkrh çkfIr fu/kkZfjr le;kof/k esa ugha gks ldh gSA o"kZ 1985&86 gS A _.k dh olwyh gksus ij cSadksa dks lwfpr fd;k tkrk esa cSad _.kksa dks ßlEifŸk oxhZdj.k ç.kkyhÞ ds vk/kkj ij gSA e/;çns'k esa jsosU;w fjdojh lfVZfQdsV~l ds lanHkZ esa ^gSYFk dksM* larks"ktud] vfu;fer] #X.k] Lej.kh; vfxze] jk"Vªh;Ñr cSadksa dh fLFkfr bl çdkj gS %& rkfydk ds mi;qDr uLrhc) [kkrs] oS/kkfud _.k rFkk v'kks/; _.k esa vuqlkj e/;izns'k ds jk"Vªh;d`r cSadksa esa yfEcr jsosU;w fjdojh foHkkftr fd;k x;kA2 o"kZ 1991 esa ,e- ujflage dh v/;{krk lfVZfQdsV~l dh la[;k 31 ekpZ 2005 ls 31 ekpZ 2008 ds esa ,d lfefr dh xBu fd;k x;kA bl lfefr dh flQkfj'kksa e/; 1516834 FkhA buessa 5 o"kZ rd ds lfVZfQdsV~l dk ds vk/kkj ij o"kZ 1992&93 esa _.kksa dk pkj oxksZa ekud] izfr'kr 51-12 Fkk rFkk 'ks"k 48-88 izfr'kr lfVZfQdsV~l 5 o"kZ ekudsÙkj] lafnX/k rFkk gkfuxzLr esa oxhZÑr fd;k x;k Hkkjrh; ls vf/kd vof/k ds FksA bu lfVZfQdsV~l ds lanHkZ esa fparktud cSfdax ifjçs{; esa _.kksa dh olwyh dh fofHkUu fof/k;ksa dks oS/ a rF; ;g jgk fd dsoy 31 ekpZ 2006 dks buesa 69810 dh kkfud rFkk xSj&fof/kd ç;kl esa oxhZÑr fd;k x;k gSA cSdksa a deh gqbZ] ijarq 31 ekpZ 2007 o 31 ekpZ 2008 dks Øe'k% }kjk fd;s tkus okys dqN izeq[k oS/kkfud iz;kl bl izdkj gS& a 84913 o 3974 dh o`f) ntZ dh xbZA rkfydk ds vuqlkj cS a d ,oa vU; foÙkh; la L Fkkvks a dk _.k olw y h 5 o"kZ rd rFkk mlls vf/kd dh vof/k ls yafcr fjosU;w vf/kfu;e] 1993 % bl vf/kfu;e dks 24 twu 1993 dks fjdojh lfVZfQdsV~l dh jkf'k Øe'k% 1908-37 djksM+ rFkk ,d v/;kns'k ds :i esa tkjh fd;k x;k3 rFkk 27 vxLr 1084-97 djksM+ :i;s Fkh] tcfd 31 ekpZ 2005 ls 31 ekpZ 1993 dks bl ij LohÑfr çnku dh xbZA blh fnu bls 2008 ds e/; budh dqy jkf'k 20993-33 djksM+ :i;s jghA lwpuk :i esa Hkkjr ljdkj ds xtV esa Hkh çdkf'kr fd;k bl jkf'k esa lHkh o"kksZa dk izfr'kr Øe'k% 26-18] 23-47] 24- x;kA ;g vf/kfu;e tEew ,oa d'ehj dks NksM+dj lEiw.kZ 10 rFkk 26-26 vkadk x;kA bruh cM+h jkf'k dk yafcr gksuk Hkkjr esa ykxw gSA bl vf/kfu;e ds varxZr _.k olwyh cSadksa ds fy, fuf'pr gh fopkj.kh; rF; gSA * Áfl÷ʪÊäÿˇÊ flÊÁáÊÖÿ Áfl÷ʪ, ‡ÊÊ‚∑§Ëÿ ∑§‹Ê ∞fl¢ flÊÁáÊÖÿ ◊„UÊÁfllÊ‹ÿ, ‚ʪ⁄U ** •ÁÃÁÕ √ÿÊÅÿÊÃÊ, flÊÁáÊÖÿ Áfl÷ʪ, ‚⁄U „U⁄UËÁ‚¢„U ªÊÒ⁄U ◊„UÊÁfllÊ‹ÿ, ‚ʪ⁄U
  • 2. Shodh, Samiksha aur Mulyankan (International Research Journal)—ISSN-0974-2832,Vol. II, Issue-11-12 (Dec.2009—Jan.2010) 105 rkfydk Ø-1 fd;k tkus yxkA ,slh fLFkfr esa vf/kd Hkkj ls mudk dk;Z e/;çns'k ds jk"Vªh;Ñr cSadksa esa yfEcr jsosU;w fjdojh çHkkfor gksrs ns[kdj laln }kjk o"kZ 2002 esa ,d dkuwu ykxw lfVZfQdsV~l dh fLFkfr fd;k x;k ftls ^foŸkh; lEifŸk;ksa dk çfrHkwfrdj.k o iquxZBu Ø- o"kZ yfEcr vof/k dqy rFkk çfrHkwfr ykHk çR;korZu dkuwu 2002* dgk x;kA6 bls 5 o"kZ rd 5o"kZ ls vf/kd ysunkjksa rFkk cSad dh _.k olwyh çfØ;k esa vkbZ ck/kkvksa dks 1- 31-03-05 187025 201091 388116 2- 31-03-06 128495 189811 318306 nwj djus ds mn~ns'; ls çkjaHk fd;k x;kA7 3- 31-03-07 198750 204469 403219 flfoy dks V Z % cS a d ks a ds _.k [kkrs dHkh&dHkh 4- 31-03-08 261154 146039 407193 vkikrdkyhu fLFkfr esa vk tkrs gSaA bl fLFkfr ds mik; ds ¼lzksr % vxz.kh cSad {ks=h; dk;kZy;] lsUVªy cSad vkWQ bf.M;k] :i esa flfoy dksVZ ,d mfpr fof/k gSA blds varxZr okn Hkksiky] i`-78]103] 67 ,oa 73½ lEiw.kZ jkf'k gsrq gh nkf[ky fd;k tk ldrk gSaA flfoy okn rkfydk Ø- 2 dh çfØ;k dk çkjaHk lEeu ls gksrk gS tks _.kh@cpkodrkZ e/;çns'k ds jk"Vªh;Ñr cSadksa esa fofHkUu o"kksZa esa jsosU;w dks dksVZ }kjk Hkstk tkrk gSA8 blds i'pkr~ _.kh }kjk vius fjdojh lfVZfQdsV~l ds varxZr 'kkfey jkf'k dh fLFkfr cpko esa dksVZ dks i= Hkstk tkrk gS ftlds tckc esa oknh ¼jkf'k djksM+ :i;s esa½ }kjk cpkodrkZ ds ç'uksa dk mŸkj fn;k tkrk gSA bl vof/ Ø- o"kZ yfEcr vof/k dqy k esa ;fn oknh rFkk cpkodrkZ fdlh fo"k; ij lger gksa rks 5 o"kZ rd 5 o"kZ ls vf/kd le>kSrk Hkh gks tkrk gSA vUr esa U;k;ky; fu.kZ; nsrk gS 1 31-03-05 507-60 275-80 783-40 mnkgj.k ds fy;s _.kh ds osru esa ls le>kSrk] fMØh] cgqr 2 31-03-06 423-52 278-81 70233 3 31-03-07 430-98 290-70 72168 dfBu ifjfLFkfŸk;k¡ gksus ij _.kh dks canh cukus dk vkns'k 4 31-03-08 546-26 239-66 78592 Hkh fn;k tk ldrk gSA oS/kkfud iz;klksa ds vfrfjDr cSadksa ¼lzksr% vxz.kh cSad {ks=h; dk;kZy;] lsUVªy cSad vkWQ bf.M;k] }kjk _.kksa dh olwyh gsrq xSj&oS/kkfud iz;kl Hkh fd;s tkrs Hkksiky] i`- 78]103]67 ,oa 73½ gSa] ftuesa nsunkj ls laidZ] le>kSrk&fuiVku] izfrHkwfrdj.k] dkuwuh uksfVl % tc okrkZ ds i'pkr~ Hkh cSad dks jkf'k :X.k bdkbZ;ksas dk iquZokl vkfn dks lfEefyr fd;k tkrk gSA olwy djus esa lQyrk çkIr ugha gksrh gS rks cSad mls dkuwuh ;|fi cSadksa }kjk _.k olwyh gsrq izR;sd laHko iz;kl fd;s uksfVl Hkst ldrk gSA tkrs gSaA ijarq ,d izeq[k leL;k iz;klksa ds p;u dh Hkh yksd vnkyr % yksd vnkyr ,d de vof/k esa _.k gSA_.k olwyh dh fdlh Hkh fof/k ds ç;ksx ds iwoZ ;g /;ku olwyh dk mi;qDr ek/;e gSA ^yksd vnkyr dh ewy vo/ j[kuk Hkh vfuok;Z gksrk gS fd fdl çdkj ds ekeyksa esa kkj.kk ;g gS fd fdlh Hkh ekeys dks U;kf;d çfØ;k dh dkSu&lh fof/k mi;qDr gksxhA de jkf'k okys ekeyksa esa yksd vis{kk lkekU; okrkZ ds ek/;e ls gy djuk vf/kd ykHkçn vnkyr] le>kSrk fuiVku tSlh fof/k;ksa dk ç;ksx fd;k tk gksrk gSAyksd vnkyrksa dks U;k;ky; ls iwjh ekU;rk çkIr gSA ldrk gS] tcfd cM+h jkf'k okys ekeyksa esa _.k olwyh lEiw.kZ çfØ;k esa fdlh Hkh çdkj dh Qhl ds Hkqxrku dh U;k;kf/kdj.kksa esa okn nkf[ky djuk vf/kd mfpr gksrk gSA vko';drk ugha gksrh gS tks fd NksVs _f.k;ksa dh n`f"V ls çkjafHkd ç;kl ds :i esa xSj fof/kd ek/;eksa dk ç;ksx djuk mŸke gSA ^bu vnkyrksa esa 5 yk[k #i;s rd ds ekeyksa dk pkfg;s rkfd U;kf;d çfØ;k esa cSad dk le; o /ku O;FkZ u fuiVkjk gksrk gSA5 gks ijUrq tSls gh xSj fof/kd ç;klksa dh lQyrk lafnX/k yxus ykHk çR;korZ u dkuw u 2002 % tc _.k olw y h yxs rks 'kh?kzkfr'kh?kz oS/kkfud mik;ksa dh vksj /;ku fn;k tkuk U;k;kf/kdj.kksa dh LFkkiuk dh xbZ rks cSad o vU; foŸkh; pkfg;sAxSj&fu"iknd jkf'k;k¡ ftrus o`gr~ :i esa cSad esa laLFkkvksa }kjk vius oknksa dks ogha nkf[ky djus dk ç;kl fo|eku jgsaxh cSad mruk 'kh?kz iru dh vksj vxzlj gksxkA ‚ãŒ÷¸ ª˝ ã Õ 1.SubramanianG.: SBI Group Promotional Exams. Banking Guide, J.S. Institute of Banking and Careers, Bangalore (1991), p.2-1-1. 2. Ram Pratap Sinha, "Asset Composition and NPA Profile of Indian Commercial Banks, Business Perspectives (Jan.-Mar., 2005), p. 25-44. 3 feRry Mh-ds- % cSd cdk;ksa dh a olwyh ,oa _.k olwyh U;k;kf/kdj.k] cSfdax fparu&vuqfparu] cSdj çf'k{k.k egkfo|ky; ¼vçSy&twu 2006½] i`-33&34- 4 Everlatest in Banking : State Bank of India Officer's Association, a a Bhopal Circle, Diwakar Prin ters & Publishers, Bhopal (2001), p.7-440 5 Subramanian G. : SBI Group Promotional Exams. Banking Guide, J.S. Institute of Banking and Careers, Bangalore, 1999, p. 2-4-27 6 V.Mu jfoukFk % cSadksa dh _.k olwyh] cSafdax fparu&vuqfparu] ¼tu-&ekpZ 2005½] i`- 28&33- 7 Sharma K.C. : Insolvency Under Indian Law : What are the options for banks as secured creditors, The Indian Banker, Indian Banks' Association (April 2007), p.21-27. 8 Everlatest in Banking : State Bank of India Officer's Association, Bhopal Circle, Diwakar Prin ters & Publishers, Bhopal (2001), p. 7-428.