tIcf kwØm\

\ ]nt¶m¡ hn`mK hnI-k\ tImÀ¸-td-j³

tIc-f¯nse
¯
- nse aäp ]nt¶m¡ aX\yq- aX \-]£ hn`m-K-§fnse f
- nse km¼-
km¼¯n-I-ambn
]nt¶m¡w \n¡p-¶-hcpsS c
- psS kmaq-
kmaqln-I, km¼-¯adnI hnZ-ym-`- `ymk D¶-a\w F¶
e£-y-hp-am-bmWv
bmWv tIcf kwØm kwØm\ ]nt¶m¡ hn`mK hnI-k\ k tImÀ¸-td-j³
1995þÂ Øm]n-X-am-bXv
X
- v. hfsc Ipdª ]eni \nc-¡nepw ¡nepw efn- efnX-amb hy-h-Ø-bn-
ep-amWv
amWv hnhn[ hmbv]m ]² ]²-Xn-IÄ tImÀ¸-td-j³ \S-¸n-em-¡n- ¡nh-cp-¶-Xv. hmbv]m
]²-Xn-IÄ¡v
IÄ¡v ]pdta kwcw
kwcw-`-I-Xz ]cn-io-e-\w, sXmgn-e-[n-jv
jvTnX ]en-
]enio-e-\w, hn]-W-
\-ta-f-IÄ F¶n-hbpwhbpw tImÀ¸-
tImÀ¸td-j³ \S¯n hcp-¶p.
¶p. 1995 apXÂ 25.02.2018 hsc
4.65 e£w IpSpw-_§Ä¡mbn
§
- Ä¡mbn 22750 tImSn-tbmfw
tbmfw cq] hmbv]m [ [\-k-lm-b-ambn
A\p-h-Zn-¨n-«p-−v
−v. aäp ]nt¶m¡ hn`m-
hn`mK-§Ä¡v (H.-_n.-kn.)
kn.) th−n
th−n-bpÅ hmbv]m
]²-Xn-IÄ
IÄ tZiob ]nt¶m¡ hn`mK [\- [ Im-cy hnI-k\ tImÀ¸-td-jsâ
(NBCFDC)bpw aX\yq-\]£
]
- £ hn`m-
hn`mK-§Ä¡v th−n bpÅ ]²-Xn-
XnIÄ tZiob \yq-\-
]£ hnI-k\ [\-Im-cy
cy tImÀ¸-
tImÀ¸td-jsâ (NMDFC) bpw [\
\-k-lmbap]-tbm-Kn-
¨mWv \S-¸n-em-¡n-h-cp-¶Xv
X
- v.

ÌmÀ«vA]v hmbv]m ]²Xn

tIcf kwØm\ ]nt¶m¡ hn`mK hnI- hnIk\ tImÀ¸-td-j³ H.-_n.-

_n.kn/aX\-yq-\-]£
hn`mK¯nÂs¸« s{]m^
s{]m^-j-W-ep-IÄ¡v
IÄ¡v ÌmÀ«vA]v kwcw`w Bcw`n¡p¶-
Bcw`n¡p¶Xn-\p
th−n \S-¸n-em-¡p¶
¡p¶ hmbv]m ]²
]²-XnbmWv ÌmÀ«v A]v hmbv].

]²Xn {]Imcw ]c-am-h[n

h[n 30 e£w cq]-cq]hsc hmbv]bmbn
b
- mbn AA\p-h-Zn-¡p-¶-Xm-Wv.
{Kma{]tZ-i¯v
i¯v 98,000/þ cq]
cq]-h-scbpw \Kc{]tZ-i¯v
i¯v 1,20,000/þ cq] hscbpw
IpSpw_ hmÀjnI hcp-am-
am\-apÅ H.-_n.-kn. hn`mKw s{]m^-jW-
W
- ep-IÄ¡v 5 e£w
cq] hsc 6% ]eni \nc-¡nepw
¡nepw AXn-
AXn\p-ap-I-fn 20 e£w cq]-hsc
hsc 7% ]eni \nc-
¡nepw hmbv] e`n-¡pw.
¡pw. CtX hcp-hcpam\ ]cn-[n-bnepÄs¸«
bnepÄs¸« aX
aX-\-yq\]£ hn`m-Kw
s{]m^-j-W-ep-IÄ¡v
IÄ¡v 20 e£w cq]
cq]-hsc 6% ]eni \nc-¡nÂ
¡n AA\p-h-Zn-¡pw. Cu
hcp-am\ ]cn-[nbv
[nbv¡v apI-
apIfnÂ
fn 6 e£w hsc IpSpw_ hmÀjnI hcp- hcpam-\-apÅ
aX-\-yq\]£
]£ hn`mKw s{]m^
s{]m^-j-W-ep-IÄ¡v 30 e£w cq]-hsc
hsc hmbv] A\p-
A h-Zn-
¡p-¶-Xn\pw ]²-Xn-bp-−v
−v. Xncn
Xncn-¨-Shv Ime-bfhv
f
- hv 84 amkw hsc. At]-
At]£-I³
kwØm-\s¯ H.-_n.-kn.
kn. / aX
aX\-yq-\-]£ hn`m-K-¯n DÄs¸-«hcpw
h
- cpw s{]m^-
s{]m^j-WÂ
tImgvkp-IÄ (Fw.-_n.-_n.-
_n.F-kv., _n.-Un.-F-kv., _n.-F.-Fw.-Fkv
k
- v., _n.-
_n.F-kv.-Fw.-F-kv.,
_n.-sSIv, _n.-F-¨v.-Fw.-Fkv
k
- v., _nBÀ¡v, shän
shän-\dn kb³kv, _n. _n.-F-kv.-kn. A{Kn-
IĨÀ, _n.-^mw, _tbm-sS- sSIvt\m-f-Pn, _n.-kn.-F., FÂ.-FÂ.-_n.,
_n., ^pUv sSIvt\m-f-
Pn, ss^³ BÀ«vkv, Ubdn kb³kv, ^nkn- ^nkn¡Â FU-yq-t¡-j³, j³, t^mt«m{Km^n,
hoUntbm{Km^n apX-em-b- bh) hnP-b-I-c-ambn ]qÀ¯o-I-cn-¨- ¨h-cpam-bn-cn-¡-Ww.
{]mbw 40 hbÊv Ihn-bm³ bm³ ]mSn-
]mSnÃ.

Cu ]²Xn {]Imcw saUn saUn-¡Â / BbpÀthZ / tlmantbm / kn² / Z´Â

Ivfn\n¡v, sh-ä-n\dn Ivfn\
\n¡v, knhn F©n-\ob-dnwKv
dnwKv I¬kÄ«³kn, BÀ¡n
BÀ¡n-sS-
Iv¨-d I¬k-«³kn,«³kn, ^mÀa-
^mÀakn, tkm^väv shbÀ Uh-e-]v]vsaâv, Ubdn ^mw,
AIzmIĨÀ, ^nävs\Êv
Êv skâÀ, ^pUv t{]mk-
t{]mkÊnwKv bqWn-äv
äv, HmÀ¡nUv ^mw,
Snjyp IĨÀ ^mw, hoUntbm t{]mU
t{]mU-£³ bqWnäv F©n-\o-b-bdnwKv hÀ¡vtjm-¸v
XpS§n s{]m^jWÂ tbmK
tbmK-y-X-bp-ambn _Ô-s¸« hcp-am\Zmb
Zmb-I-amb GsXmcp
\nb-am-\p-krX
krX kwcw`w Bcw-
Bcw`n-¡p-¶-Xn\pw hmbv] e`n-¡pw.
¡pw. ]²Xn AS
AS-¦-ensâ
95% hsc hmbv] A\p-hZn-
Z- n¡pw. _m¡n- XpI KpW-t`m-àmhv
àmhv Is−-
Is−¯Ww.

H.-_n.-kn. hn`m-K-¯n\pth−n-
¯n bpÅ hmbv]m ]²Xn
hcp-am\Zmb-Iamb
a
- mb GsXmcp \nb-am-\p-krX kwcw`w Bcw-`n-¡p- ¡p¶-Xn\pw hmbv]
e`n-¡p-¶-Xm-Wv. ]c-am-h[n
h[n hmbv] XpI 20 e£w cq]-bm-Wv Wv. {Kma-
{Kma§-fn 98,000/þ
cq]-bnepw, \K-c-§fnÂ
f
- n 1,20,000/þ cq]bnepw Xmsg IpSpw
IpSpw-_hmÀjnI
h
- mÀjnI hcp
hcp-am-\-ap-Å-
18 \pw 40 \pw
pw at²y {]mb-
{]mbap-ÅhÀ¡mWv hmbv] \ÂIp-¶Xv X
- v. ]²Xn AS
AS-¦-ensâ
95% hsc hmbv]bmbn A\p-
A h-Zn-¡pw. _m¡n- XpI KpW-t`m-àmhvàmhv Is−
Is−-t¯-−-Xm-
Wv. ]c-am-h[n
h[n hmbv]m XpI, ]eni \n-c-¡v, Xncn-¨-Shv Imem-h[n
h[n F¶nh kw_
kw_-
Ôn¨ hni-Zmwiw
Zmwiw NphsS tNÀ¡p-
tNÀ¡p¶p.

]c-am-h[n
h[n
]²-Xn-bpsS hmbv]m ]eni \nc¡v Xncn-
Xncn¨-Shv Imem-h[n
t]cv XpI (amk Xh-
XhW-IÄ)
2 e£w cq] hsc
ÌmÀ«v-A]v 5 e£w cq] hsc 60 amkw
hmbv]m 20 e£w 6% 2 apXÂ 5 e£w hsc
]²Xn cq] 5 e£-¯n\papI-fn 72 amkw
7% 5 e£
e£-¯n-\p-ap-I-fnÂ
84 amkw
aX \yq-\-]-£- hn`m-K-§Ä¡p th−n-bpÅ ]²-Xn-IÄ

aX \yq-\-]£ hn`m-K-¯n-\p-th−n 2 ÌmÀ«v-A]v hmbv]m ]²-Xn-IÄ tImÀ¸-td-j³

\S-¸n-em-¡n-h-cp-¶p.

]²Xn þ 1
hcp-am\Zmb-I-amb GsXmcp \nb-am-\p-krX kwcw`w Bcw-`n-¡p-¶-Xn\pw hmbv]
e`n-¡p-¶
-Xm-Wv. {Kma-§-fn 98,000/þ cq]-bnepw, \K-c-§-fn 1,20,000/þ cq]bnepw Xmsg
IpSpw-_-hmÀjnI hcp-am-\-ap-Å- 18 \pw 40 \pw at²y {]mb-ap-ÅhÀ¡mWv hmbv]
\ÂIp-¶-Xv. ]c-am-h[n hmbv] XpI 20 e£w cq]-bm-Wv. ]²Xn AS-¦-ensâ 95%
hsc hmbv]bmbn A\p-h-Zn-¡pw. _m¡n- XpI KpW-t`m-àmhv Is−-t¯-−-Xm-Wv.

]²Xn þ 2
{Kma \Kc t`Z-an-ÃmsX 6 e£w cq]-bn Xmsg IpSpw_ hmÀjnI hcp-am-\-apÅ
hy-àn-IÄ¡v Cu ]²Xn {]Imcw ]c-am-h[n 30 e£w cq]- hsc hmbv] A\p-h-Zn-
¡p-¶-Xm-Wv. kv{XoIÄ¡v 6% ]eni \nc-¡nepw ]pcp-j³amÀ¡v 8% ]eni \nc-¡n-
ep-amWv hmbv] A\p-h-Zn-¡p-¶-Xv. aäv hy-h-Ø-IÄ ]²Xn þ 1 \v kam-\a
- m-Wv. ]c-
am-h[n hmbv]m XpI, ]eni \n-c-¡v, Xncn-¨-Shv Imem-h[n F¶nh kw_-Ôn¨ hni-
Zmwiw NphsS tNÀ¡p-¶p.

]c-am-h[n hmbv]m Xncn-¨S- hv

]²-Xn-bpsS t]cv ]eni \nc¡v
XpI Imem-h[n

]²Xn þ 1
({Kma-§f - n 98,000/þ cq]
bnepw, \K-c-§-fn 20 e£w cq] 6% 60 amkw
1,20,000/--þ cq]bnepw Xmsg
IpSpw-_-hmÀjnI hcp-am-
\-ap-Å-hÀ¡v)
]²Xn þ 2 kv{Xo-IÄþ6%
6 e£w cq]bn Xmsg 30 e£w cq] ]pcp-j³amÀþ8% 60 amkw
IpSpw-_-hmÀjnI hcp-am-
\-ap-Å-hÀ¡v
 ]²Xn {]Im-c-apÅ
apÅ {]tX-
{]tXyI B\p-Iq-e-y-§Ä

1) ]n¶m¡ hn`mK hnI-k\

k hIp¸v k_vkn-Un
H.-_n.-kn.
kn. hn`mK¯nÂs¸« s{]m^
s{]m^-j-W-ep-IÄ¡v
IÄ¡v hmbv]m XpI
XpI-bpsS 20% (]-c-am-
h[n 2 e£w cq]) ]n¶m¡ hn`mK hnI-
hnIk\ hIp¸vv k_vkn-nUn-bmbn A\p-h-Zn-
¡pw. Sn XpI At]-£-
£Isâ hmbv]m A¡u-−n −n hchv hbv¡p-p¶XmWv. kwcw-
`-I³ k_vknUn Ign-¨p-
¨pÅ- XpIbpw AXnsâ ]enibpw am{XamWv Xncn-
Xncn¨-S-
bvt¡-−n h-cp-¶-Xv.

2) sI.-F-kv.-_n.-kn.-Un.-kn.
kn. {Ko³ ImÀUv B\p-
B Iq-eyw
IrX-yambn
a
- mbn hmbv] Xncn- Xncn¨-S-¡p-¶X\p-th−n tImÀ¸-td-j³
j³ \S-¸n-em-¡p¶
t{]mÕm-l\ ]²-Xn-bmWv bmWv {Ko³ImÀUv. CXp {]Imcw apS-
apS¡an-a
- nÃmsX FÃm KUp-
¡fpw \nÝnX Xob-Xn- Xn¡p-ap³]p Xs¶ HSp-¡p¶ hmbv]¡mÀ¡v
¡
- mÀ¡v ]en-
]eni-bn-\-
¯n sam¯w Xncn-¨-S¨ S¨ XpI-
XpIbpsS 5% Cfhv \ÂIp-¶-Xm-Wv.

At]£ kaÀ¸Ww
]²Xn {]tbm-P-\-s¸-Sp¯n
Sp¯n ÌmÀ«v-A¸v kwcw`w Bcw-`n-¡p-¶-
¶Xn\v XXv]-c-cmb
s{]m^-j-W-ep-IÄ www.ksbcdc.com F¶ tImÀ¸-td-j³
j³ sh_vsskäv hgn cPn-
cPnÌÀ
sNt¿-−-Xm-Wv. C¯-c¯nÂ
¯
- n cPn-
cPnÌÀ sN¿p¶ kwcw-`IÀ I
- À tImÀ¸-
tImÀ¸td-j³ kwL-Sn-
¸n-¡p¶ kwcw-`-IXz
X
- z skan-
skan\m-dn ]s¦-Sp-t¡-−-Xm-Wv.

kwcw-`-I-Xz skan-\mdn ]s¦-

]s¦Sp-¡p¶ s{]m^-j-W-ep-IÄ¡v
IÄ¡v ]mÀ«n
]mÀ«n-kn-t¸-j³
kÀ«n-^n-¡äv A\p-h-Zn-¡p-
¡p¶-Xm-Wv. Sn kÀ«n-^n-¡-äp-ambn
ambn _Ô
_Ô-s¸« PnÃm / D]-
PnÃm Hm^o-kn lmP-cmbn
cmbn hmbv]m At]£m t^mdw ssI¸ssI¸-ä-äWw. Sn At]£m
t^mdw ]qcn-¸n¨v
¸n¨v NphsS tNÀ¡p¶ tcJ-
tcJIÄ klnXw kaÀ¸n-¡- ¡Ww.

1) tdj³ ImÀUnsâ ]IÀ¸v

2) Ce-£³ Xncn-¨-dn-bÂ
b ImÀUnsâ ]IÀ¸v
3) B[mÀ ImÀUnsâ ]IÀ¸v
4) At]-£Isâ/IpSpw-
I
- sâ/IpSpw_mw-K-§-fpsS t]cn-epÅ hoSn-sâ-bpw
bpw Øe-
Øe¯n-sâbpw
Ic-a-S¨ cko-Xnsâ
Xnsâ ]IÀ¸v
 5) At]-£-Isâ hbÊv sXfn-bn-¡p¶ kÀ«n-^n-¡-änsâ ]IÀ¸v (Fkv.-F-kv.-
FÂ.-kn./kvIqÄ kÀ«n-^n-¡äv apX-em-b-h)
6) PmXn sXfn-bn-¡p-¶-Xn\v Fkv.-F-kv.-FÂ.-kn. kÀ«n-^n-¡ä- nsâ ]IÀ¸v AsÃ-
¦n hntÃPv Hm^o-kn \n¶pÅ PmXn kÀ«n-^n-¡-äv.
7) hntÃPv Hm^o-kn \n¶v e`n-¡p¶ IpSpw-_-hmÀjnI hcp-am\w sXfn-bn-
¡p¶ kÀ«n-^n-¡äv.
8) _m¦v ]mÊv _p¡nsâ A¡u−v \¼À, sF F^v Fkv tImUv F¶nh
tcJ-s¸-Sp-¯nb t]Pnsâ ]IÀ¸v.

CXn\p ]pdta ae-bm-f-¯n-tem, CwKvfo-jntem X¿m-dm-¡nb hni-Z-amb t{]mPIvSv

dnt¸mÀ«v lmP-cm-¡-Ww. Xmsg ]d-bp¶ hni-Zmw-i-§Ä AXn DÄs¸-Sp-¯-Ww.

1. kwcw-`-I-s\-¡p-dn-¨pÅ hnh-c-§Ä (hn-Z-ym-`-ym-k-tbm-Ky- -X, kmt¦-XnI

tbmK-y-X, {]mtbm-KnI ]cn-Nbw XpS-§n-b-h)
2. ]²-Xn-bpsS hni-Zmw-i-§Ä
3. ]²-Xn- XpS-§m-\p-t±-in-¡p¶ Øe-¯nsâ A\-ptbm-P-yX
4. ]²Xn sNehpw [\m-K-a\ amÀ¤-§fpw
5. ]²Xn-¡m-h-i-y-amb b{´-km-a-{Kn-IÄ
6. ]²-Xn-¡m-h-i-y-amb {]hÀ¯-\-aq-e-[\w Is−-¯p-¶-Xn-\pÅ amÀ¤-§Ä
7. hn]Wn km[-y-X-IÄ
8. D¸¶w hn]-W\w sN¿p-¶-Xn-\pÅ amÀ¤-§Ä
9. ]²Xn \S-¯n-bm e`n-¡m-hp¶ em`w IW-¡m¡n CXp kw_-Ôn¨v {]Xo-
£n-¡p¶ 5 hÀjs¯ em` \jvS-¡-W¡pw, _me³kv joäpw.
10. 5 hÀjs¯ Iymjv ^vtfm tÌävsaâv

11. ]²-Xn-bpsS em`-£-aX hne-bn-cp-¯p-¶-Xn-\pÅ kqNn-I-IÄ þ (BEP, Pay Back

Period, DSCR, IRR apX-em-bh).
 t{]mPIvSv dnt¸mÀ«n-t\m-
\ sSm¸w kaÀ¸-t¡− tcJ-IÄ
IÄ

]²-Xnbv¡v b{´-km-a{Kn-
{- KnIÄ/D]-I-c-W-§Ä/^ÀWn-¨-dp-IÄ
IÄ Bh-
Bhi-y-apÅ ]£w
BbXv hm§p-¶-Xn-\mbn GST cPnkvt{Sj-\pÅ \nÀ½m-Xm-¡Ä/hnX-
¡Ä/hnXc-W-¡mÀ F¶n-
h-cn \n¶pÅ
n¶pÅ C³thmbvkv/ Iz-t«-j³.

]²-Xn-bpsS `mK-ambn \nÀ½m

nÀ½m-W-{]-hÀ¯-\-§-tfm, Câo-cn-bÀ
bÀ ^ÀWn
^ÀWn-jnt§m Bh-
i-y-ap-Å]£w
]
- £w ssek³kvUv F³Pn
F³Pn-\n-bÀ km£-y-s¸-Sp-¯nb FÌn-
FÌnta-äv.

\nÀ±n-jvT hnZ-ym-`ymk/kmt¦-
y- mk/kmt¦XnI tbmK-yX Bh-i-yapÅ
a
- pÅ kwcw
kwcw-`-am-sW-¦n _Ô-
s¸« tbmK-yX kÀ«n-^n-¡- ¡änsâ ]IÀ¸v.

Pmay hy-hØ

hmbv] A\p-h-Zn-¡p-¶-Xn\\v tImÀ¸-td-j³ DtZ-ym-K-Ø-Pm-ayw/hkv

ayw/hkvXp Pmayw/Ønc
\nt£]w/FÂ.-sF.-kn.kn. t]mfnkn apX-
apXem-bh Pma-y-ambn kzo-Icn-
c
- n¡p-¶-Xm-Wv. \n_-
Ô-\IÄ¡v hnt[-bambna
- mbn Ch-
Chbn Ht¶m, H¶n-e-[n-Itam
Itam tcJ
tcJ-IÄ Iq«n-t¨Àt¯m
Pma-y-ambn kaÀ¸n-¡m-hp-¶-
¶Xm-Wv.

- - þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ