dkaxm+k csad if=dk Kangra Bank Patrika (A Mouth Piece of the Kangra Cooperative Bank Ltd.) C-29, Community Centre, Pankha Road, Janakpuri, New Delhi-110 058 Ph. : 011-25500800, 25515969, Telefax : 011-25525565 E-mail : md@kangrabank.com o"kz 5] vad 7 vdrwcj] 2018 fprdqy xkao] fduuksj ¼fg- iz-½ leiknd e.my v/;{k y{eh nkl 9968279250 leiknd ch- vkj- 'kekz 9312223237 izdk'kd,oa eqnzd vrj pun ijekj 9810742649 lnl; Lusg yrk 'kekz 9810509821 lnl; ftrsunz 'kekz 9971338889 if=kdk esa izdkf'kr fopkj ys[kdksa ds vius gsaa muls leiknd dk lger gksuk vko';d ugha gsa vkidh le`f)] gekjk ladyi] vkvks feydj lkfk c<+sa nh dkaxm+k dks&vkwijsfvo csad fyfevsm
z z leikndh; "dkaxm+k dks&vkijsfvo csad rc vksj vc" dkaxm+k dks&vkijsfvo csad ftldk tue ekpz 1960 esa,d NksVh lh ffkª V,.M dfmv lkslk;vh ds :i esa gqvk Fkk og,d fnu fnyyh dk lcls cm+k lgdkjh csad cu tk;sxk bldh fdlh us dyiuk Hkh ugha dh Fkh ijurq vkt ;FkkFkZ esa,slk gks x;k gsa vkt dkaxm+k dks&vkijsfvo csad fnyyh dk lcls cm+k lgdkjh csad cu x;k gs ftls N% ckj fnyyh ljdkj us vpnk lgdkjh csad gksus dk vokmz fn;k gs ftls us'kuy vjcu dks&vkijsfvo csad QSMjs'ku us ns'k ds ifgys 100 lgdkjh csadksa es dkaxm+k dks&vkijsfvo csad dk uke vkus ij fo'ks"k iqjldkj fn;k gsa o"kz 1960 esa cgqr lh Thrift & Credit dks&vkijsfvo lkslk;vht fnyyh esa jgus okys fgekpy okfl;ksa us cukbz ijurq mues ls vf/kdka'k lekir gks xbza mudk vflrro gh [kre gks x;ka blds dbz dkj.k jgs gksaxs ftudh ppkz djuk esjk fo"k; ugha gsa ijurq dkaxm+k fe=kx.k dks&vkijsfvo ffkz V,.M dfmv lkslk;vh fyfevsm tks bl csad dk vkjfehkd uke Fkk og /khjs /khjs fo"ke ifjflfkfr;ksa es Hkh vkxs c<+rh jgh rfkk 1972 esa Hkkjrh; fjtoz csad dh utj blds Åij im+h ftlus bls lgdkjh csad dh eku;rk nsus ;ksx; le>k rfkk vurr% vdrwcj 1972 es bls lgdkjh csad dh eku;rk nha,d NksVh lh Vh,.M lh lkslk;vh dk bl Lrj rd igqapus dk,d ek=k dkj.k ;g jgk fd tks yksx bls pyk jgs Fks muds eu esa fulokfkz Hkkouk Fkh os lekt es jgdj ikjlifjd lg;ksx dh Hkkouk ls bls pyk jgs Fks rfkk mugsa lurks"k feyrk Fkk tc lnl;ksa dks vko';drk im+us ij vkffkzd lgk;rk nh tkrh FkhA os yksx cm+h fmfxz;ksa okys yksx ugh Fks ijurq muds eu esa,d & ch- vkj- 'kekz lpph yxu Fkh fd lekt esa mugksaus viuk ;ksxnku o"kz 1972 esa dks vkijsfvo csad dh eku;rk feyus ds odr lkslk;vh 1916 pwuk e.mh igkm+xt ubz fnyyh esa viuk dke dj jgha Fkh ftls twu 1970 es 46000/- :i;s ls [kjhnk x;k FkkA vkt og nks rhu dejs dk edku,d pkj&ikap eafty dk HkO; Hkou cu x;k gs ftldk uke "dkaxm+k" Hkou jd[kk x;k gs rfkk ftldh orzeku dher djksm+ksa esa gksxha lgdkjh csad dh eku;rk feyus ds ckn bls lgdkjh csad ds :i eas LFkkfir djuk] pykuk vksj bldk folrkj djuk ;g lhkh dke djus FksA rc rd cgqr vpns dezb yksx blds lkfk tqm+ x;s Fks ftugsa bldks c<+kus dk tuwu FkkA o"kz 1995 esa fjtoz csad us bls csafdx ykblsul fn;ka o"kz 1996 esa,d gh o"kz esa bldh rhu vksj ubz 'kk[kk,a [kqyh,d txriqjh esa],d x.ks'kuxj es ¼tks vc tudiqjh es LFkkukUrfjr gks xbz gs½ vksj,d jksfg.kh esa o"kz 1998 esa ikapoh 'kk[kk xksfouniqjh es [kqyh vksj vkt csad dh dqy 12 'kk[kk,a gks xbz gsa tks yxhkx 43000 lnl;ksa dk csad cu x;k gs rfkk yxhkx 1.40 yk[k vdkmuvl ls csad csafdx lqfo/kk;sa ns jgk gsa csad dh dk;z'khy iwath 1000 djksm+ ls vf/kd gks xbz gsa dbz o"kksza ls csad lnl;ksa dks 18% dk ykhkka'k (Dividend) ns jgk gsa gsm vkfql dk 3 eaftyk Hkou Hkh csad dh rhljh izkivhz cu xbz gsaa esus 'kq: esa fy[kk gs fd bldks c<+kus okys rfkk bls fnyyh dk lcls cm+k lgdkjh csad cukus okys fulokfkz yksx cm+h cm+h fmfxz;ksa okys yksx ugh Fks ijurq muesa lh[kus dh] bzekunkjh ls csad pykus dh c<+kus dh /kqu Fkh vksj vkt Hkh os cm+h lel;kvksa ls tw> jgs gsaa mudk lek/kku dj jgsa gsa
rfkk lhkh lnl;ksa rfkk dezpkfj;ksa ds lg;ksx ls csad muufr dh vksj ys tk jgs gsa rfkk bls 'ksm;wym csad cukus dk iz;kl dj jgs gsaa vkt csad os lhkh cm+h cm+h lqfo/kk,a nsus es l{ke gs tks vksj ljdkjh rfkk def'kz;y csad ns jgs gsaa gtkjksa csad lnl;@xzkgd csad ds, Vh,e MSfcV dkmz ls ykhkkfuor gks jgs gsaa csad lhkh fu;eksa dk iw.kz ikyu djrk gsa csad ds funs'kd e.my dk pquko lnso le; ij rfkk 'kkfuriwozd <ax ls gksrk gsa tujy ckmh dh csbd izfro"kz le; ij gksrh gsa csad dk okf"kzd vkfmv rfkk fjtoz csad }kjk dh tkus okyk fujh{k.k le; ij gksrk gsa csad lnl;ksa ds cppksa dks {kk=ko`fr nsrk gs rfkk fdlh lnl; dk fu/ku gksus ij mlds vkfjr ifjokj lnl;ksa dks vkffkzd lgk;rk Hkh nsrk gsa eq>s iwjh vk'kk gs fd ;fn csad pykus okys bzekunkjh lw>cw> fu%lokfkz Hkkouk ls csad dks pyk;saxs rks csad vo'; 'ksm;wym csad cusxk rfkk mrjksrj bldk fodkl gksrk jgsxka & ch- vkj- 'kekz vko';d lwpuk lnl;ksa,oa xzkgdksa dh lqfo/kk gsrw csad esa bavjusv csafdax ¼O;w QSlfyVh½ lqfo/kk miyc/k gks x;h gsa bpnqd lnl;,oa xzkgd viuh czkap ds czkap gsm ls tkudkjh gkfly djds lqfo/kk dk ykhk mbk,aa csad esa MSsfcV ¼ATM½& dkmz] SMS vyvz lqfo/kk] eksckby Qksu }kjk vius vdkmav csysal dh tkudkjh] bzesy }kjk vius vdkmav dh LVsVesaV ysus tslh dbz lqfo/kk, csad esa miyc/k gsaa d`i;k viuk bzesy vksj eksckby Qksu uecj viuh 'kk[kk esa czkap gsm dks t:j nsa rkfd vkidks csad }kjk vko';d lwpuk tynh vksj vklkuh ls?kj csbs fey tk;s A ftu lnl;ksa@xzkgdksa ds ikl iqjkus MAGNETIC STRIPE MsfcV dkmz gsa mugsa u, EVM MsfcV dkmz esa 25/12/2018 ls ifgys cnyk ysa D;ksafd iqjkus dkmz tyn gh can gksus okysa gsaa DECISIONS TAKEN AT THE AGBM HELD ON 30.09.2018 The General Body at its meeting held on 30.09.2018 has taken the following two decisions : 1. W.e.f. 01.01.2019 on the demise of a member, a grant of Rs. 30,000/- (Rupees thirty thousand only) will be given to his nominee irrespective of membership length and loan up to Rs. 1,00,000/- (Rupees one lac only) will be exempted from interest. The first priority for the exemption of interest will be given to unsecured (surety) loan. For creating fund for the above grant, Rs. 150/- maximum will be deducted from the interest of a member given on Special Deposit Member (SDM). Previously this deduction was Rs. 100/-. Now onwards deduction will be made from every member. Previously the deduction used to be made only if a member has earned Rs. 100/- and above interest. If a member does not earn Rs. 150/- interest, the maximum lower amount multiple of 10 to be deducted. Example, if a member earns Rs, 150/- and above then only Rs. 150/- will be deducted but if he earns less than Rs. 150/-, say Rs. 149/-, 125/-, 85/-, 75/-, 58/- then the maximum multiple of 10 i.e., 140, 120, 80, 70, 50 and so on will be deducted. 2. From the year 2017-2018 the scholarship amount to be given to the students of members and staff studying in classes 9th, 10th, 11th and 12th has been increased as given below : For students studying in 9th and 10th classes For students studying in 11th and 12th classes Rs. 3,500/- per annum Rs. 4,000/- per annum Accordingly decision at Sr. No. 1 will be effective from 01.01.2019 and decision at Sr. No. 2 will be effective from 2017-2018 session.
vke lhkk ¼tujy ckmh½ dk egro & y{ehnkl fdlh Hkh lgdkjh csad dk uhfr fu/kkzj.k csad dh vke lhkk esa gksrk gsa csad dk fglkc fdrkc Hkh vke lhkk esa is'k gksrk gsa vkfmv fjiksvz dks ikl djuk u djuk ml ij iz'u iwnuk] tkudkjh izkir djuk ;g lc vke lhkk dk vf/kdkj gsa okf"kzd izxfr fjiksvz Hkh vke lhkk esa is'k dh tkrh gsa okf"kzd fjiksvz vksj vkfmv fjiksvz vke lhkk }kjk ikl fd, tkus ds ckn gh mldh izekf.kdrk ekuh tkrh gsa dksbz Hkh la'kks/ku vke lhkk esa gh fd;k tk ldrk gsa csad dh vke lhkk,d [kqyk njckj gksrk gsa tgak lnl; iz'u Hkh iwn ldrs gsaa vius fopkj Hkh j[k ldrs gsa vksj csad ds lqpk: :i ls lapkyu ds fy, lq>ko Hkh ns ldrs gsaa dkaxm+k csad dh vke lhkk esa rks tc rd cksyus okyksa dh lwph cdk;k jgrh gs rc rd ehfvax tkjh jgrh gsa dhkh dhkh rks 'kke ds pkj ikap Hkh ct tkrs gsaa ge rks pkgrs gsa dh gekjs ekuuh; lnl; lq>ko nsa] viuk er j[ksaa muds lq>ko gekjs fy, ekxz n'kzd dk dke djrs gsaa lnl;ksa }kjk fn;s x;s lq>koksa ij cksmz esa ppkz gksrh gsa lq>ko ;fn fjtoz csad ;k jftlvªkj dks&vkijsfvo lkslkbzvht ds fu;eksa ds vuqdwy ik, tkrs gsa rks mugsa Lohdkj Hkh djrs gsa vksj mu ij funs'kd e.my vey Hkh djrk gsa vke lhkk bruh egroiw.kz gksus ds ckotwn ekuuh; lnl;x.k blesa Hkkx ysus dk mrlkg ugha fn[kkrsa dkaxm+k csad dh] bl ckj dh vke lhkk esa,d gtkj ls vf/kd lnl; ugha FksA ehfvax esa dbz ckj lnl;ksa dh f'kdk;r gksrh gs fd vke lhkk dh lwpuk ugha feyrha fu;ekuqlkj dkaxm+k csad ds iz'kklu dks vke lhkk dh lwpuk ikslv ;k dksfj;j }kjk nsuh vko';d gksrh gs geus ikslv ls Hkh lwpuk Hkstus dh O;oLFkk dh Fkh vksj fdlh fdlh o"kz dksfj;j ls lwpuk Hkstrs gsa bl ckj dh lwpuk dksfj;j ls Hksth xbz gsa dksbz dksbz gekjh vkykspuk djrk gs fd] ge viuksa dks lwpuk ns nsrs gsa] ckfd;ksa dks NksM+ nsrs gsaa,slk lahko ugh gks ldrka dkaxm+k csad dh osclkbzv gs ftlij lwpuk Mkyh tkrh gsa csad dh czkapksa esa Hkh uksfvl cksmz ij lwpuk fy[kh tkrh gsa lnl; vkil esa Hkh lwpuk lka>k djrs gsaa rks ;g dsls lahko gs fd ge viuh osclkbzv dsoy " viuksa" ds fy, gh [kksysaxs ;k czkap esa yxh lwpuk dsoy " vius" gh i<+ ldsaxsa dkaxm+k csad dk iz'kklu dksfj;j dks Hkh fpëh igqapkus dh l[r fgnk;r nsrk gsa fqj Hkh dbz fpfë;ka okfil vk tkrh gsa D;ksafd muds ikslvy irs Bhd ugha gksrsa dbz ckj ekuuh; lnl; us?kj cny fy;k gksrk gs ysfdu csd esa lwpuk ugha nh gksrh ftl dkj.k ikslv ;k dksfj;j ls fpëh fey ugh ikrh ge fpëh Hkstrs gs ijurq og okfil vk tkrh gsa lnl; dks yxrk gs fd i=k feyk ughaa vu;fkk Hkh gekjk dksfj;j dksbz xqir O;oLFkk ugha gksrh mulsa tkudkjh izkir dh tk ldrh gs fd fdlh lnl; dh fpëh mu egkuqhkko dks D;ksa ugh feyha bl ckj,d tkudkjh ;g Hkh feyh fd fdlh lnl; us dgk fd vkidh fdrkc rks feyh gs ysfdu fpëh ugha feyh gsa ekuuh; lnl;ksa dks ;g tkuuk t:jh gs fd mlh fdrkc esa fue=ka.k Hkh gksrk gs] fglkc Hkh gksrk gs vksj ;fn dksbz izlrko gs rks og Hkh mlh iqflrdk esa fy[kk gksrk gsa ekuuh; lnl;ksa dks og iqlrd t:j i<+uh pkfg,a mlesa csad lecu/kh cgqr tkudkjh gksrh gsa fu;ekuqlkj ;g Hkh r; gs fd csad dh vke lhkk flrecj ;k vdrwcj esa gh gksxha fo'ks"k vke lhkk dks NksMdjA blfy, lnl; viuk izksxzke Hkh mlh vk/kkj ij cuk ldrs gsa fueu=k.k i=k esa ;g Hkh lwpuk nh xbz gksrh gs fd vke
lhkk dh ehfvax fdrus cts 'kq: gksxh mlds ckn dksje iwjk u gks rks vk/kk?kavk lnl;ksa dh izfr{kk dh tkrh gs fqj,d fu/kzkfjr le; ds fy, ;fn dksje iwjk u gks rks vke lhkk dh ehfvax LFkfxr dj nh tkrh gsa fu/kkzfjr le; ds ckn ehfvax fqj 'kq: gksrh gsa ;fn rc Hkh dksje iwjk u gks rks dks&vkijsfvo,dv ds vuqlkj fcuk dksje ehfvax 'kq: gks tkrh gsa ;fn,dv esa,slk izko/kku u gks rks vke lhkk dh ehfvax dhkh gks gh ugh ldrh D;ksafd mldk dksje rks iwjk gksrk gh ugh gsa dkaxm+k csad dh izhkkoh lnl; l[a;k yxhkx 42 gtkj gsaa vc bu 42 gtkj lnl;ksa esa ls ek=k dqn lks lnl; vke lhkk esa vk,a ;g mfpr ugh gsa ge o"kz esa,d ckj,d fnu dk le; lnl; ls ekaxrs gsaa og Hkh jfookj dk fnua gekjh ges'kk dksf'k'k jgrh gs fd ehfvax jfookj dks gksa pquko okys o"kz esa vke lhkk dh nks ehfvaxsa gksrh gsa dks&vkijsfvo vkanksyu nqfu;k esa lks o"kz ls Hkh iqjkuk vkanksyu gsa bl O;oLFkk dk cgqr egro gsa blds lqy iz;ksx gq, gsa vksj gks jgs gsaa ge dsoy lgdkjh csad gh ugh pykrs] cfyd lgdkjh vkanksyu dks c<+kok nsus dk dke Hkh djrs gsaa,sls cm+s iz;kl dk lgdkjh csad ds lnl; fgllk gsaa blfy, bl vkanksyu esa lc dks 'kkfey gksuk pkfg,a csad dh vke lhkk esa rks lhkh lnl;ksa dks Hkkx ysuk gh pkfg,a vu;fkk Hkh le; le; ij vius lq>ko nsrs jguk pkfg,a dkaxm+k csad vki lcds lg;ksx ls] ges'kk izxfr ifk ij vxzlj gsa ;g izxfr u dsoy cuh jgs cfyd vf/kd rst gks] bldk ge lcdks iz;kl djuk pkfg,a & y{ehnkl le; le; pyk] ij dsls pyk* ftunxh dh vkik/kkih esa] dc fudyh mez gekjh] da/ks ij p<+us okys cpps] dc da/ks rd vk x,] fdjk;s ds?kj ls 'kq: gqvk Fkk lqj viuk] dc vius?kj rd vk x,] lkbfdy ds ismy ekjrs gq, gkaqrs Fks ml odr] dc ls ge dkjksa esa?kweus yxs gsa] dhkh Fks fteesnkjh ge ek cki dh] dc cppksa ds fy, gq, fteesnkj ge],d nksj Fkk tc fnu esa Hkh cs[kcj lks tkrs Fks] dc jkrksa dh mm+ xbz uhan] ftu dkys?kus ckyksa ij brjkrs Fks dhkh ge] dc lqsn gksuk 'kq: dj fn;k] nj nj HkVds Fks uksdjh dh [kkfrj] dc fjvk;j gksus dk le; vk x;k] * cppksa ds fy, dekus cpkus esa brus e'kxwy gq, ge] dc cpps gels gq, nwj] Hkjs iwjs ifjokj ls lhuk pksm+k j[krs Fks ge ] vius HkkbZ cguksa ij xqeku Fkk ] mu lc dk lkfk NwV x;k ] dc ifjokj ge nks ij flev x;k ] * vc lksp jgs Fks dqn vius fy, Hkh dqn djs] ij 'kjhj us lkfk nsuk can dj fn;k] lkhkkj %& Qslcqd
HOMAGE (13/03/1951 19/09/2018) We are extremely sorry to inform the sad demise of our Vice-Chairman Shri Shakti Chand Sharma(Advocate) on 19/09/2018. Shri Shakti Chand Sharma was elected as a Vice-Chairman of the Bank for a term of three years in the election held on 29/10/2017. Earlier too he had been Vice Chairman for three years, Director for six years and Assistant Cashier for three years. He had been associated with the bank as its member from the initial years of its formation as a thrift and credit society. Shri Shakti Chand Sharma was born on 13th March 1951 in village Kotahan, Post office and Tehshil Jaisinghpur, Distt Kangra (H.P.). He completed his school education in his native place and came to Delhi in 1967 for higher education and stayed with his elder brother. He did his LL.B and M.A. from Delhi University and JNU respectively. He had been helping Bank in all legal matters and providing his valuable legal advice as and when required. Shri Shakti Chand Sharma is survived by his wife and three married daughters. In his passing away we have lost a great well wisher and senior member of the bank. We pray to Almighty to grant peace to the departed soul and give strength to the family members to bear this irreparable loss. Board of Directors and Staff The Kangra Co-operative Bank Limited
50 oha okf"kzd vke lk/kkj.k lhkk dk vk;kstu 30-09-2018 dks fd;k x;ka lhkk esa miflfkr lnl;ksa dk Lokxr rfkk es/kkoh Nk=ksa dks Nk=o`fr jk'kh dk forj.k djrs gq, csad funs'kd e.my ds ekuuh; lnl;a ******
Date of Publication i.e. 13th-14th October, 2018 Reg. No. DELBIL/2013/50868 es/kkoh Nk=ksa dks Nk=o`fr jk'kh dk forj.k djrs gq, funs'kd e.my ds ekuuh; lnl;a Printed and Published by A C Parmar on behalf of The Kangra Co-operative Bank Limited and printed at Royal Impression, 94, State Bank Nagar, Paschim Vihar, New Delhi-110063 and published at B-702, Mahalaxmi Apartments, Plot # 4, Sector-2, Dwarka, New Delhi-110075. Editor: B R Sharma