gekjh dgkuh gekjh t-qckuh hamari zubanisrlm.up.nic.in/pdf/iec/hamari kahani hamari jubani.pdfhamari...

HAMARI KAHANI

HAMARI ZUBANI

Department of Rural Development, Government of Uttar Pradesh

Prashasnik Bhawan-1, Dr. Bheem Rao

Phone: 0522 - 2304620, Fax: 0522 - 2304627, e-mail : [email protected], website : srlm.up.nic.in

Ambedkar Samajik Parivartan Sthal, Gomtinagar, Lucknow.

UTTAR PRADESH STATE

RURAL LIVELIHOOD MISSION

UTTAR PRADESH STATE

RURAL LIVELIHOOD MISSION

gekjh dgkuh- gekjh tqckuh

mÙkj izns'k jkT; xzkeh.k vkthfodk fe'ku

mÙkj izns'k jkT; xzkeh.k vkthfodk fe'ku

xzkE; fodkl foHkkx] mÙkj izns'k ljdkjiz'kklfud Hkou&1] Mk- Hkhejko vEcsMdj lkekftd ifjorZu LFky] xkserh uxj] y[kuÅA

Qksu&0522&2304620] QSDl&0522&2304627] bZ&esy&[email protected], osclkbV&srlm.up.nic.in

mÙkj izns'k jkT; xzkeh.k vkthfodk fe'kuxzkE; fodkl foHkkx] m0iz0

mÙkj izns'k jkT; xzkeh.k vkthfodk fe'kuxzkE; fodkl foHkkx] m0iz0

la ns'k

¼vf[kys'k ;kno½

mÙkj izns'k ljdkj fu/kZu xzkeh.k ifjokjksa ds dY;k.k vkSj fodkl ds fy, izfrc) gSA jkT; dh

le`f) ,oa lEiUurk fu/kZu ifjokjkas ds eq[;/kkjk esa lekos'k ,oa mudh mfpr lgHkkfxrk ds fcuk lEHko ugha

gSA bl mn~ns'; dks lekt ds lcls detksj ,oa lhekUr oxZ] fo'ks"k :i ls xzkeh.k efgykvksa ds

l'kDrhdj.k ls gh izkIr fd;k tk ldrk gSA

mÙkj izns'k jkT; xzkeh.k vkthfodk fe'ku dh LFkkiuk xzkeh.k efgykvksa dks Lo&LokfeRo ,oa

LoizcfU/kr laLFkk,a tSls Lo;a lgk;rk lewg] xzke laxBu ,oa ladqy Lrjh; QsMjs'ku esas laxfBr djds]

fu;ksftr :i ls xjhch dks nwj djus ds mn~ns'; ls dh xbZ gSA ;g laxBu cSafdax laLFkkvksa rFkk futh {ks= ls

foRrh; lgk;rk ysus dk ek/;e cusxk] rkfd fu/kZu xzkeh.k ifjokjksa ds fy, lrr~ vkthfodk lqfuf'pr dh

tk ldsA

fe'ku dk y{; vxys ,d n'kd esa ,d djksM+ fu/kZu xzkeh.k ifjokjkas dks yxHkx 10 yk[k Lo;a

lgk;rk lewgkas esa laxfBr djus dk gSA bl pqukSrhiw.kZ dk;Z ds lQy fØ;kUo;u gsrq eSa fe'ku dks

'kqHkdkeuk,a nsrk gw¡A lkFk gh] Lo;a lgk;rk lewgksa ls tqM+dj lEiUurk dh vksj vxzlj izns'k dh efgykvksa

dh lQyrk dh dgkfu;ksa ds ladyu] gekjh dgkuh gekjh t+qckuh gsrq eSa fe'ku dks c/kkbZ nsrk gw¡

eq>s iw.kZ fo'okl gS fd jkT; esa izR;sd xzkeh.k xjhc ifjokj dh vU; efgyk,a Hkh bUgha lQy

efgykvksa dh Hkkafr Lo;a lgk;rk lewgksa esa laxfBr gksdj xjhch ls futkr ik ldsaxhA

Jh vf[kys'k ;knoek0 eq[; ea=h mRrj izns'k

yky cgknqj 'kkL=h Hkou

y[kuÅ

fnukad % 29 flrEcj] 2014

la ns'k

xzkE; fodkl foHkkx] mRrj izns'k 'kklu }kjk xzkeh.k {ks=ksa ds fodkl ds fy, vusd igy dh x;h gSaA

mRrj izns'k jkT; xzkeh.k vkthfodk fe'ku blh fn'kk esa ,d uohu iz;kl gSA mRrj izns'k jkT; xzkeh.k

vkthfodk fe'ku dk xBu o"kZ 2011 esa lkslkbVh ds :i esa Hkkjr ljdkj ds ¶ySxf'ki dk;ZØe] jk"Vªh;

xzkeh.k vkthfodk fe'ku dks lapkfyr djus ds fy, fd;k x;k FkkA jk"Vªh; xzkeh.k vkthfodk fe'ku iwoZ esa

lapkfyr Lo.kZ t;arh xzke Lojkstxkj ;kstuk ls bl ek;us esa fHkUu gS fd blds vUrxZr xzkeh.k fu/kZuksa esa

fu/kZurk ls ckgj vkus dh varfuZfgr {kerk dk mi;ksx djrs gq, mUgsa xjhch ds nk;js ls ckgj ykuk gksrk gSA

fe'ku dk dsUnz fcUnq xzkeh.k fu/kZuksa] fo'ks"k :i ls lekt ds oafpr oxksZa dks l'kDr djuk gSA fe'ku] jkT; esa

1-08 djksM+ xzkeh.k fu/kZu ifjokjksa dh vkthfodk dks mUur djus ds fy, vfHkuo j.kuhfr;ka Hkh fodflr

djsxkA eq>s ;g tkudj izlUurk gqbZ gS fd ftu efgykvksa dh dgkfu;k¡ ;gk¡ izLrqr dh xbZ gSa mlls izsfjr

gksdj buds tSlh vU; efgyk,a vius thou dks lkeqnkf;d laLFkkuksa dh lnL;rk xzg.k djds lq/kkj

ldsaxhA eq>s vk'kk gS fd geesa ls izR;sd O;fDr izns'k ls xzkeh.k fu/kZurk dks nwj djus gsrq fe'ku ds iz;klksa esa

iw.kZ lg;ksx djsxkA

¼ vjfoUn dqekj flag xksi½

Jh vjfoUn dqekj flag ^xksi*jkT; ea=h ¼Lora= izHkkj½]

xzkE; fodkl foHkkxmRrj izns'kA

dk;kZ0 ckiw Hkoud0la0 1@2 r`rh; ryQksu dk0 CH 2214812vk0 0522&2237079

la ns'k

xzkeh.k {ks=ksa dh xjhch mUewyu dh fn'kk esa jk"Vªh; xzkeh.k vkthfodk fe'ku ,d mR—"V iz;kl gS tks

fd xzkeh.k fu/kZu ifjokjksa dks laxfBr dj l?ku :i ls mudh {kerko/kZu esa iw.kZ lg;ksx djrk gSA

vkthfodk fe'ku] vkiwfrZ vk/kkfjr n`f"Vdks.k dh txg ek¡x vk/kkfjr n`f"Vdks.k dh cqfu;kn ij dk;Z dj

jgk gSA ;g dk;ZØe ls fu/kZuksa ds laxBuksa dk fuekZ.k gksxk tks {kerk o`f)] foRrh; lk{kjrk] foRrh; laLFkkuksa

rd igq¡p ,oa vk; miktZu xfrfof/k;ksa ds lewghdj.k esa mRizsjd dh Hkwfedk fuHkk;sxkA rc gh fu/kZu ifjokjksa

dh vkthfodk Hkh lrr~ :i ls lqn`<+ gksxhA bl mn~ns'; dh iwfrZ ds fy, mRrj izns'k jkT; xzkeh.k

vkthfodk fe'ku }kjk xjhc ifjokjksa] iapk;rhjkt laLFkkuksa] lkoZtfud&futh laxBuksa vkSj vU; ljdkjh

dk;ZØeksa ds chp ,d y{;ksUeq[k vk/kkj iznku fd;k tk jgk gSA xjhcksa fo'ks"k :i ls lcls fupys vkSj

lhekUr oxksZa tSls vuqlwfpr tkfr] vuqlwfpr tutkfr] vYila[;d] fodykax vkfn dh vUrfuZfgr {kerkvksa

dks ijLij laxBu] vkilh rky&esy] {kerk fuekZ.k] dkS'ky fodkl vkSj foRrh; lekos'ku ds }kjk mHkkjus

dk iz;kl fe'ku }kjk fd;k tk jgk gSA esjk fo'okl gS fd mRrj izns'k esa efgykvksa dks dsUnz esa j[k dj

lapkfyr xzkeh.k vkthfodk fe'ku ds }kjk xjhch mUewyu ,oa vkthfodk o`f) esa egRoiw.kZ ,oa vxz.kh Hkwfedk

dk fuoZgu fd;k tk;sxkA

¼ vkyksd jatu ½

Jh vkyksd jatu vkbZ0,0,l0

eq[; lfpo] mRrj izns'k ljdkj

fnukad % 19 flrEcj] 2014

Qksu % ¼0522½ 2621599] 2238212 ¼dk-½ % ¼0522½ 2239283 ¼QSDl½% ¼0522½ 2235133 ¼vk-½

mÙkj izns'k 'kkluyky cgknqj 'kkL=h Hkou

y[kuÅ & 226001E-mail : [email protected]

la ns'k

xzkeh.k fu/kZurk dks lekIr djus ds ,dek= mn~ns'; ds lkFk Hkkjr ljdkj }kjk izkjEHk dh x;h

jk"Vªh; xzkeh.k vkthfodk fe'ku dk izns'k esa fØ;kUo;u djus gsrq xzkE; fodkl foHkkx] mRrj izns'k }kjk

mRrj izns'k jkT; xzkeh.k vkthfodk fe'ku dh LFkkiuk 2011 esa lkslkbVh ds :i esa dh x;h FkhA fe'ku dk

n`<+ fo'okl gS fd fu/kZuksa esa fu/kZurk lss ckgj vkus ds fy, vUrfuZfgr {kerk,a vkSj etcwr bPNk'kfDr gksrh

gSA xzkeh.k fu/kZuksa dh lkekftd ykecanh vkSj laXkBu fuekZ.k bl mn~ns'; dks izkIr djus ds fy, uhao ds

iRFkj gaSA jk"Vªh; xzkeh.k vkthfodk fe'ku dk mn~ns'; gS lHkh fu/kZu ifjokjksa rd igq¡p cukuk] mUgsa lr~r

vkthfodk ds voljksa ls lac) djuk vkSj mudk rc rd fodkl djuk tc rd os fu/kZurk ds edM+tky ls

ckgj u vk tk,a vkSj ,d lEekutud thou dh vuqHkwfr u djus yxasasa] blds fy, jk"Vªh; xzkeh.k vkthfodk

fe'ku us fofHkUu Lrjksa ij lefiZr vkSj laosnu'khy leFkZd lajpukvksa dk l`tu fd;k gSA eSa fe'ku dks bl

izdkj dh lQy dgkfu;ksa ds izdk'ku ij c/kkbZ nsrk gw¡ vkSj vk'kk djrk gw¡ fd lewg ds lnL;ksa dh lQyrk

dh dgkfu;k¡ vU; xzkeh.kksa ds fy, izsj.kk dk lzksr lkfcRk gksaxh fTklls gesa xzkeh.k fu/kZurk ds vfHk'kki dks

lekIr djus eas nksgjs iz;kl dj ds vk'kkrhr lQyrk feYk ldsXkhA

¼ oh0,u0xxZ ½

Jh oh0,u0 xxZ] vkbZ0,0,l0

—f"k mRiknu vk;qDr]

mRrj izns'k ljdkj fnukad % 22-9-2014

bZ&esy : [email protected]

Â% 0522&2238082 ¼dk;kZ-½% 0522&2238145 % 0522&2238393¼QSDl½% 0522&2239848 ¼vk-½

mÙkj izns'k 'kklu9&10]cgq[k.Mh Hkou]lfpoky;]

y[kuÅ & 226001

la ns'k

jk"Vªh; xzkeh.k vkthfodk fe'ku dks iwoZorhZ Lo.kZ t;arh xzke Lojkstxkj ;kstuk dks iquZxfBr dj ds

lapkfyr fd;k x;k gSA jk"Vªh; xzkeh.k vkthfodk fe'ku esa Lo.kZ t;arh xzke Lojkstxkj ;kstuk dh dfe;ksa

;Fkk xzkeh.k xjhcksa dh ykecanh esa foLr`r {ks=h; fHkUurk,a] ykHkkfFkZ;ksa dk vi;kZIr {kerko/kZu] lkeqnkf;d

laLFkkuksa ds fuekZ.k gsrq vi;kZIr fuos'k vkSj cSadksa ls detksj vkfFkZd tqM+ko ds QyLo:i de _.k miyC/k

gksus ,oa foRr iquZiks"k.k dh deh dks] nwj fd;k x;k gSA xzkeh.k vkthfodk fe'ku dk Qksdl xzkeh.k fu/kZuksa

dh lkekftd ykecanh] laLFkk fuekZ.k ,oa {kerk o`f) gSA Lo;a lgk;rk lewg] muds QsMjs'ku vkSj

vkthfodk lewghdj.k vkfn xjhcksa dh laLFkk,a xjhcksa dks ,d l'kDr eap iznku djrh gSaA ftlls os Lo;a

lgk;rk vkSj vkilh lg;ksx ds vk/kkj ij lkewfgd dk;Zokgh dj ldsa ,oa xjhcksa dh ekaxiwfrZ dk etcwr

rU= cu ldsA xjhcksa dh mDr laLFkk,a eq[;/kkjk ds laLFkkuksa& cSad ,oa ljdkjh foHkkxkas ds lkFk ,d etcwr

tqM+ko iznku djrh gSa rkfd xjhch ,oa vkthfodk ds eqn~nkas dk lek/kku ys ldasA fe'ku ;g lqfuf'pr djsxk

fd xjhcksa dh bu laLFkkvksa eas lkekftd :i ls misf{kr oxZ] fo'ks"k :i ls efgykvksa dh Hkkxhnkjh jgasA bl

ladyu ds ek/;e ls ;g tkudkjh okLro esa lq[knk;h gS fd fdl izdkj lkeqnkf;d laxBu izns'k Hkj esa

xjhc xzkeh.k efgykvksa ds thou esa ldkjkRed ifjorZu dj jgs gSaA

¼ v#.k fla?ky ½

Jh v#.k fla?ky] vkbZ0,0,l0

izeq[k lfpo]xzkE; fodkl foHkkx mRrj izns'k ljdkj

lans'k

jk"Vªh; xzkeh.k vkthfodk fe'ku jkT; esa xzkeh.k fu/kZu ifjokjksa ds fodkl dks izksRlkfgr djus vkSj

vkthfodk ds voljksa dk l`tu djus ds fy, ,d lkFkZd iz;kl gSA fe'ku dk fo'okl gS fd fu/kZuksa dks Lo;a

vius fujarj laLFkku cukus pkfg,] mudk LokfeRo ysuk pkfg, vkSj mudk izca/ku djuk pkfg,A jk"Vªh;

xzkeh.k vkthfodk fe'ku fofHkUu Lrjksa ij viuh lefiZr] lefFkZr ljapukvksa vkSj laxBuksa ds ek/;e ls lHkh

xzkeh.k fu/kZu ifjokjksa rd igq¡pus vkSj mUgsa mudh {kerk fuekZ.k] foRrh; igq¡p vkSj Lo&izcaf/kr vkRe&fuHkZj

laLFkkuksa ds ek/;e ls fu/kZurk ls ckgj ykus dk iz;kl djsaxsA mUgsa fofHkUu O;olk;ksa esa LFkkfir djds]

ykHknk;d Lojkstxkj ,oa m|e l`ftr djds izkIr fd;k tk ldrk gSA /khjs&/khjs fu/kZuksa ds laLFkku lg;ksx

djus okys vius lnL;ksa dh vkthfodk ds fu;a=.k dk Hkkj Lo;a ysus yxrs gSaA esjk fo'okl gS fd jkT; Hkj esa

efgykvksa dh lQyrk dh dgkfu;ksa ds bl ladyu ls yk[kksa vU; yksx izsfjr gksdj lEiUurk dh jkg ij

pyus ds fy, m|r gksaxsA

¼ izHkkr feRry ½

Jh izHkkr feRry] vkbZ0,0,l0vk;qDr] xzkE; fodkl mRrj izns'k ljdkj

lans'k

xzkeh.k xjhc efgykvksa dks ekufld n`<+rk iznku djus rFkk muds ifjokj dk thou Lrj Å¡pk mBkus

gsrq jk"Vªh; xzkeh.k vkthfodk fe'ku xzkE; fodkl foHkkx dh ,d izHkkoh igy gSA bldk /;s; jkT; ds lHkh

xzkeh.k fu/kZu ifjokjksa rd igq¡p dj mUgsa vkthfodk ds fujarj voljksa ls lac) djuk gS fe'ku mudk

fodkl rc rd djsxk tc rd os fu/kZurk ds ?ksjs ls ckgj ugha vk tkrs vkSj ,d lEekutud thou dk

vkuan ugha mBkus yxrsA fu/kZuksa dks muds laLFkkuksa esa xfBr djus ds dk;Z dks ,d ckgjh laosnu'khy leFkZu

lajpuk ds }kjk fd, tkus dh vko';drk gSA ljdkjh ,tsafl;k¡] xSj&ljdkjh laxBu] LFkkuh; Lo'kklu]

cSad vkSj dkiksZjsV lsDVj feydj bl Hkwfedk dks fuHkk ldrs gSaA QyLo:i tSls&tSls ;g laLFkk,a fodflr

vkSj ifjiDo gksaxh] og Lo;a laosnu'khy ,oa lfØ; lajpuk,a cu tk,axhA bl izdkj le; ds lkFk okg~;

lajpukvksa ij fuHkZjrk Hkh de gksxhA ,slh lajpukvksa ds l'kDr lnL; vkSj usr`RodrkZ Hkh ftEesnkjh ds lkFk

dbZ izfØ;kvksa dks xfr iznku djsaxsA bl izdkj fu/kZuksa ds fy, dk;ZØe fu/kZuksa dk dk;ZØe cu tk;sxkA

ftu efgykvksa dh lQyrk dh dgkfu;ksa dks bl ladyu esa brus Hkkoiw.kZ rjhds ls lfEefyr fd;k x;k gS

mUgksaus vkthfodk ds fl)karksa dk ikyu djds gh fu/kZurk ls lQyrk dh vksj dne c<+k;s gSaA eq>s fo'okl

gS fd m0iz0 jkT; xzkeh.k vkthfodk fe'ku vkus okys o"kksZa esa jkT; Hkj esa ,slh lQyrk dh dgkfu;ksa dks

cgqxqf.kr dj ldus esa lQy gksxkA

¼ MkW0 vkn'kZ flag ½

MkW0 vkn'kZ flag] vkbZ0,0,l0fe'ku funs'kd]

m0iz0 jkT; xzkeh.k vkthfodk fe'ku]xzkE; fodkl foHkkx] mRrj izns'k ljdkj

1 dqlek (jk;cjsyh) 01

2 vdyearh (jk;cjsyh) 03

3 la;ksxrk (dUukSt) 05

4 vuhrk iky (dUukSt) 07

5 uudquh (ck¡nk) 09

6 xhrk nsoh (y[kheiqj [khjh) 11

7 [ktkyh (vyhx<+) 13

8 fc'ku nsoh (jk;cjsyh) 14

9 oanuk ;kno (bykgkckn) 16

10 Å"kk nsoh (tkykSu) 17

11 jktdqekjh (cgjkbp) 19

12 deyk nsoh (jk;cjsyh) 21

13 jkcjh nsoh (nsofj;k) 22

a----- dh dgkfu;kW

vvv

dqlek

Lo;a lgk;rk lewg lnL; dk uke %

Lo;a lgk;rk lewg dk uke %

xkao %

Cykd %

ftyk %

dqlek

iwtk Lo;a lgk;rk lewg

dpkSank egnhiqj

jkgh

jk;cjsyh

esjs fy, vtufc;ksa ls ckr djuk vklku ugha FkkA igys ;g

Lohdk;Z ugha Fkk fd eSa vius lkl&llqj dks dksbZ lykg nwa ;k

vius ifr dks dgwa fd og gekjs cPpksa dks ns[k ysa D;ksafd eq>s

cSad tkuk gS ;k fdlh çf'k{k.k dk;ZØe esa Hkkx ysuk gSA ij

vc eSa cny xbZ gw¡A vc eSa igys tSlh ugha jghA

eSa vius jkstejkZ ds dke esa bruh Mwch jgrh Fkh fd iM+ksfl;ksa

;k fj'rsnkjksa ls feyus ds fy, le; fudkyus ds ckjs esa lksp

Hkh ugha ldrh Fkh] ;g dsoy R;ksgkjksa ds le; gh gks ikrk

FkkA igys eSa xk¡o dh vU; efgykvksa ls feyus ds ckjs esa

lksprh Hkh ugha FkhA brus lkyksa ls ,d lkFk jgus ds ckotwn

eSaus dHkh ,d nwljs ls feyus ds ckjs esa ;k viuh leL;kvksa dks

ckaVus ds ckjs esa dHkh lkspk ugha FkkA ysfdu ;g vuqHkwfr Lo;a

lgk;rk lewg dh cSBdksa esa fu;fer :i ls Hkkx ysus ls vkbZA bu cSBdksa esa] ge ,d nwljs ls etkd djrs gSa]

leL;kvksa dks ckaVrs gSa vkSj geus feydj vius chp ,d vdYiuh; ca/ku cuk fy;k gSA

esjs ifr us eq>s NksM+ fn;k FkkA esjs Åij rhu csfV;ksa vkSj ,d csVs dh ftEesnkjh vk x;h FkhA dbZ ,sls ekSds vkrs Fks

tc eq>s iSlksa dh t:jr gksrh FkhA eq>s vklkuh ls m/kkj ugha feyrk FkkA lkgwdkj FkksM+h lh Hkh jde nsus ds fy,

rS;kj ugha gksrs FksA vxj os nsus ds fy, rS;kj Hkh gksrs Fks rks os xguk] tehu] vkfn tSlh laifÙk ;k dherh phtksa dks

fxjoh j[kokrs Fks vkSj os C;kt Hkh cgqr ysrs FksA eSa tks dqN dekrh Fkh os egaxs dtZ dks okil djus esa gh fuiV tkrk

FkkA eSaus igys Lo;a lgk;rk lewg ls viuh ?kjsyw t:jrksa dks iwjk djus ds fy, NksVk lk _.k fy;k vkSj mls

NksVh&NksVh etnwjh djds ikV fn;kA blds ckn eSaus 15]000 :i, dk _.k fy;k vkSj xkao esa ,d fdjkus dh nqdku

[kksyhA

Lo;a lgk;rk lewg dk lnL; cuuk vklku ugha FkkA esjk HkkbZ bl ckr ds fy, rS;kj ugha Fkk fd eSa Lo;a lgk;rk

lewg dh lnL; cuwaA mlus dgk fd gekjs ifjokj ls dksbZ Hkh Lo;a lgk;rk lewg esa ugha tk,xkA tc ?kj esa ppkZ

● ● ●

● ● ●

dqlek vius lewg dh lfØ; usr`RodrkZ gSA ifr ds }kjk NksM+us ds ckn og vius thou dks fQj ls laokj ldhA Lo;a lgk;rk lewg esa fu;fer :i ls cpr djus dh mldh vknr ls og ,d nqdku [kksy ldh ftlls mlds ifjokj dks vk; çkIr gksrh gSA og u dsoy vius thou Lrj dks lq/kkj ldh cfYd og vU; efgykvksa dks Hkh çsfjr djrh gSA

01

gksrh Fkh rks og dbZ ckj xqLlk gks tkrk FkkA og rS;kj ugha Fkk D;ksafd mlds dqN nksLrksa us mls crk fn;k Fkk fd

rqEgkjh cgu vdsys rhu pkj fnuksa ds fy, nwljs xkao esa tk,xh vkSj Hkxoku tkus fd os yksx mlds lkFk D;k djsaxsA

esjs ckjs esa xkao okys ckrsa cuk,axs vkSj blls esjs vkSj ifjokj dh cnukeh gksxhA ysfdu eSa Lo;a lgk;rk lewg esa

'kkfey gksus ij vM+h jgh D;ksafd esjs ikl i;kZIr iSls ugha FksA dbZ ckj tc esjs cPps chekj iM+ tkrs Fks ;k eSa muds

fy, R;ksgkjksa esa diM+s [kjhnuk pkgrh Fkh rks eSa vius Bsdsnkj ;k vius ifjokj ds Åij iSls ds fy, fuHkZj jgrh Fkh

vkSj eq>s dqN u dqN lquuk iM+rk Fkk tks fd eq>s vPNk ugha yxrk FkkA bl rjg eSa dqN iSls cpkuk pkgrh Fkh rkfd

eSa vius vki dqN 'kq: dj ldwaA

tc eSa Lo;a lgk;rk lewg esa 'kkfey gks x;h rks esjk&esjs HkkbZ ls >xM+k gks x;kA dbZ fnuksa rd ge nksuksa esa ckr ugha

gqbZA og blds ckjs esa [kq'k ugha Fkk vkSj dqN Hkh lquus dks rS;kj ugha FkkA ysfdu /khjs&/khjs og esjs thou esa Lo;a

lgk;rk lewg ds egRo dks le>us yxk vkSj mlus eq>s lg;ksx nsuk 'kq: dj fn;kA dbZ ckj og gekjs çf'k{k.k

LFky ij vk tkrk vkSj ckgj cSBdj tkuus dh dksf'k'k djrk fd D;k py jgk gSA

eSa vdsyh gh ugha Fkh ftls bl leL;k dk lkeuk djuk iM+kA blh rjg dh leL;k dk lkeuk Kkuorh nhnh dks Hkh

djuk iM+kA muds ifr Hkh bl ckr ds fy, rS;kj ugha Fks fd og Lo;a lgk;rk lewg esa 'kkfey gksaA muds ifr

'kjkch FksA og reke ckj viuh dekbZ 'kjkc ij mM+k nsrs FksA muds ikl fdjkus ds lkeku] ?kj dh ejEer] cPpksa dh

i<+kbZ] vkfn ds fy, ges'kk iSls de gksrs FksA og dbZ ckj ihdj vkrs Fks vkSj mlds lkFk nqZO;ogkj djrs FksA ;g

vknr jkst c<+rh tk jgh FkhA og muds O;ogkj ds ckjs esa dkQh fpafrr jgrh FkhA vUrr% og /khjs ls Lo;a lgk;rk

lewg esa 'kkfey gks x;hA

,d fnu ifjokj esa dqN >xM+k gksus ds ckn mlds ifr us vkRegR;k djus dk ç;kl fd;kA mlus vius Åij feêh

dk rsy Mkyk vkSj vkx yxk yhA og cqjh rjg ty x;k vkSj mlds bykt ds fy, dkQh lkjs iSlksa dh t:jr iM+h

ysfdu dksbZ Hkh mudks lgkjk nsus ds fy, vkxs ugha vk jgk FkkA tc eSa Kkuorh ls feyus x;h rks og jks jgh FkhA

mlus eq>s crk;k fd mls mlds ifr dh tku cpkus ds fy, rqjar iSls pkfg, vkSj mlus fj'rsnkjksa ls iSls ekaxs

ysfdu dksbZ mls iSls ugha ns jgk gSA eSaus mlls dgk fd rqe gj ,d ls iSls D;ksa ekax jgh gksA rqe Lo;a lgk;rk lewg

ls dtZ ys ldrh gksA mlus bykt ds fy, Lo;a lgk;rk lewg ls 16]000 :i, dk dtZ fy;kA

flQZ Lo;a lgk;rk lewg ds dkj.k gekjs thou cny x, gSaA eSa vc vius ekrk&firk vkSj HkkbZ ij fuHkZj ugha gwaA

vkt esjh viuh nqdku gSA eSa cVkbZ ij feaV dh [ksrh dj ldh gwaA geesa ls dqN ds ikl dqN tehu gSA dqN us feaV

dh [ksrh 'kq: dj nh gSA igys gesa dksbZ Hkh ugha tkurk Fkk ysfdu vc yksx gekjs ikl vkrs gSa vkSj vf/kdkjh Hkh

gels feyus vkrs gSaA gekjs ifjokj gekjk lEeku djrs gSa vkSj gekjs ;ksxnku dks ekurs gSaA

02

vdyearh



xkao %

Cykd %

ftyk %

vdyearh

'kadj Lo;a lgk;rk lewg

gluiqjk galk

jkgh

jk;cjsyh

gluiqjk esa gekjs Vksys dks lisjksa dk Vksyk dgk tkrk gSA

gekjs Vksys esa lHkh ifjokj vuqlwfpr tutkfr ds gSaA gekjs

iwoZt dkQh le; igys if'pe caxky ls vk, FksA

ge Hkh[k ekax dj thou O;rhr djrs FksA esjs ifr ?kwe&?kwe

dj Hkh[k ekaxrs FksA cjlkr esa ge lkai idM+rs FksA fQj esjs

ifr nwj&nwj rd tkdj lkai dk rek'kk fn[kkrs FksA dbZ ckj

gesa fnu esa nks le; dk Hkkstu ugha fey ikrk Fkk vkSj gesa

fnu esa ,d Hkkstu ls gh larks"k djuk iM+rk FkkA gekjs ?kj esa

Nr ugha Fkh vkSj gekjs ikl brus iSls ugha Fks fd ge NIij

[kjhn dj Nr Mky ldsaA os cgqr eqf'dy Hkjs fnu FksA gekjs

ikl tehu ugha Fkh] eSa nwljksa dh tehu ij dke djrh Fkh

ftlls eq>s cgqr de etnwjh feyrh FkhA

tc lhvkjih us eq>s vkSj esjh tSlh vU; vkSjrksa dks Lo;a

lgk;rk lewg cukus dks dgk rks ge rS;kj ugha Fks D;ksafd gekjs ikl g¶rs esa cpr djus Hkj dks Hkh iSls ugha FksA

lhvkjih gekjs ikl ckj&ckj vkrs Fks vkSj le>krs Fks fd ;fn ge jkst 2 :i, Hkh cpk ysaxs rks ge g¶rs esa 10 :i,

cpk ldasxsA blls gesa çsj.kk feyh vkSj gesa yxk fd ;g laHko gSA ysfdu pqukSrh dsoy cpr rd gh lhfer ugha

FkhA nwljs ifjokj gesa Mjkrs Fks ;fn ge cSad ls dtZ ysaxs vkSj okil ugha djsaxs rks gesa tsy esa Mky fn;k tk,xkA

Cykd vf/kdkjh us gesa lykg nh fd gesa ,slh ckrksa dh ijokg ugha djuh pkfg,A cSad ls fy;k x;k dtZ rqEgsa okil

djuk gksxkA rqe bruk dtZ yksxh gh D;ksa ftls okil u dj ldksA ;g lc flQZ blfy, dgk tk jgk gS fd rqEgsa

Lo;a lgk;rk lewg cukus ls grksRlkfgr fd;k tk ldsA nwljk ç;kl djus esa D;k uqdlku gSA rqEgkjh cpr rqEgkjs

lkFk gSA blls gesa dqN rkdr feyh vkSj ge Lo;a lgk;rk lewg cukus ds fy, lger gq,A

'kq:vkr esa ge vius vkidks O;ä ugha dj ikrs FksA lhvkjih gesa dbZ ckj cksyus ds fy, çksRlkfgr djrs FksA Lo;a

lgk;rk lewg us igys gesa cksyuk fl[kk;k] vius vki dks O;ä djuk fl[kk;k vkSj gesa viuh vkrafjd

fgpfdpkgV ij fot; çkIr djus ds ;ksX; cuk;kA

● ● ●

● ● ●

Lo;a lgk;rk lewg vfHk;ku ls ,d laisjs dh iRuh vdyearh dh çxfr bl rjg gqbZ fd og Hkh[k ekaxuk NksM+dj Lo;a lgk;rk lewg vkSj cSad ls foÙkh; lgk;rk dh enn ls laifÙk cukus yxhA og Lo;a lgk;rk lewg esa fu;fer :i ls cpr djrh gS vkSj mls okil djrh gSA og Lohdkj djrh gS fd Lo;a lgk;rk lewg ls mldk fo'okl cuk gS] og ckr dj ikrh gS vkSj ifjokj esa fu.kZ; ysus esa mldh Hkwfedk Hkh c<+h gSA

03

okLro esa ,slk le; ckj&ckj vkrk Fkk tc egktu gesa dtZ ugha nsrs Fks vkSj vxj os nsrs Hkh Fks rks og gj 100 :i,

ij 10&20 :i, C;kt ysrs FksA ysfdu Lo;a lgk;rk lewg ds dkj.k gesa vc mudh vksj ns[kus dh Hkh t:jr ugha

iM+rh gSA vius Lo;a lgk;rk lewg ls fy, x, igys _.k ls eSaus HkSal [kjhnhA nw/k cspdj feys /ku ls lewg dk

_.k pqdk fn;kA blds ckn eSaus [kPpj [kjhnus ds fy, 40]000 :i, dk dtZ fy;k vkSj c<+h gqbZ vk; ls eSa 10

fcLok Hkwfe Hkh [kjhn ldhA esjs csVs 'kEHkwukFk us ,e-,- dh i<+kbZ iwjh dj yh gSA vc esjk liuk gS eq[; lM+d ij

,d nqdku [kksywaA

04

la;ksxrk



xkao %

Cykd %

ftyk %

la;ksxrk

f'k{kk ç/kkyh Lo;a lgk;rk lewg

eqjkZ

lkSfjd

dUukSt

,d n'kd igys gesa _.k feyuk vklku ugha FkkA dsoy

mUgha ifjokjksa dks _.k feyrk Fkk tks dqN pht fxjoh j[k

ldrs FksA esjs fy, dtZ feyuk cgqr dfBu Fkk D;ksafd ge

xjhc Fks vkSj gekjs ikl fxjoh j[kus dks dqN [kkl ugha FkkA

gekjs ikl cdfj;ksa dks j[kus ds fy, NIij cukus dh txg

ugha Fkh] HkSal dh ckr rks Hkwy tk,aA blds vfrfjä vkSjrksa ij

reke rjg dh ikcafn;ka FkhaA ;g lkekftd :i ls Lohdk;Z

ugha Fkk fd ge vdsys ckgj vius dke ls tk,a vkSj iq:"kksa ls

ckr djsaA

eq>s cgqr la?k"kZ djuk iM+kA Lo;a lgk;rk lewg esa cpr djus

ds fy, Hkh eq>s fdjkus dh [kjhn ls iSls cpkus iM+rs FksA esjs ifr esjs Lo;a lgk;rk lewg esa 'kkfey gksus ds fo:)

FksA og eq>s Lo;a lgk;rk lewg esa 'kkfey ugha gksus nsuk pkgrk FksA eSa fcuk mudh lgefr ds Lo;a lgk;rk lewg esa

tqM+ xbZ] ysfdu tc gekjk csVk chekj iM+k rc gesa iSlksa dh t:jr Fkh eSaus mUgsa :i;s fn;s mUgksusa eq>ls iwNk fd

rqEgsa ;g :i;s dgka ls feysA fgpfdpkrs gq, eSaus mUgsa crk;k Lo;a lgk;rk lewg lsA mUgksusa dqN dgk rks ugha

ysfdu gekjs csVs ds bykt ds fy, :i;s ys fy;sA

eSa bl vojks/k dks ikj dj xbZ FkhA vkt eq>s _.k ds fy, fdlh dk Hkh eqag ugha ns[kuk iM+rk gSA vc eSa /ku çkIr

djus ds fy, lHkh vojks/kksa dks ikj dj ldrh gwaA gekjs Lo;a lgk;rk lewg dh cpr 1-25 yk[k :i, dh gS vkSj

;g vHkh Hkh c<+ jgh gSA ;g ykHk rc gS tc geus lewg lnL;ksa ds chp ykHk dks ckaV fy;k gSA geus igys fu;fer

:i ls lewg esa cpr djuk lh[kkA blds ckn geus bu cprksa esa ls viuh ?kjsyw t:jrksa ds fy, _.k ysuk lh[kkA

gesa ljdkj ls Hkh foÙkh; lg;ksx feykA bl lg;ksx ds lkFk geus HkSal [kjhnh] ftldk nw/k cspus ls vkenuh c<+hA

ysfdu LFkkuh; nwf/k;k gesa vPNk nke ugha nsrk gSA geus bl eqís dks ifj;kstuk dfeZ;ksa ds lkFk mBk;kA ijkx Msjh

ds lkFk ,d cSBd vk;ksftr dh x;h vkSj Msjh gekjs nw/k dks [kjhnus ds fy, rS;kj gks x;hA blls vPNs nke ij nw/k

cspdj gekjh ?kjsyw vk; c<+hA

● ● ●

● ● ●

la;ksxrk nsoh vius thou esa cgqr vkxs fudydj vkbZ gSaA og vius vkidks egktu ds paxqy ls cpk ikbZ gSaA os vPNs usr`Ro ds lkFk ,d lfØ; efgyk gSaA og l?ku :i ls vU; efgykvksa dks çsfjr djrh gSa fd os lkeqnkf;d laLFkkuksa ds lg;ksx ls viuh fu/kZurk dks thrsaA

05

tc LFkkuh; nwf/k;s dks irk pyk fd ge Msjh dks nw/k csapus tk jgs gSa] rks mlus nw/k dk nke c<+k fn;kA mlds ckn

mlus gesa crkuk 'kq: fd;k fd Msjh vPNs nke ugha nsxhA ysfdu ge tkurs Fks fd ,d ckj tc ge Msjh dh ;kstuk

NksM+ nsaxs og nke ?kVk nsxkA c<+s gq, nke vkSj csgrj vk; ds lkFk geesa fo'okl FkkA geus cSad ls ,d vkSj _.k

fy;k ,oa vfrfjä HkSals [kjhnhA vc gekjs ikl vf/kd nw/k Fkk] ftls laxzg.k dsaæ ij Bhd ls laHkkyk ugha tk ik jgk

FkkA gekjs ç;klksa dks ns[kdj xkao ds vU; ifjokjksa us Hkh Msjh dks nw/k cspuk 'kq: dj fn;kA gekjs laxzg.k dsaæ ij

nw/k dh ek=k ns[kdj gekjs xkao esa nzqr 'khru bdkbZ [kksyh x;hA

geus vius vki dks Lo;a lgk;rk lewg rd lhfer ugha j[kk cfYd geus viuk ladqy ¼QsMjs'ku½ Hkh cuk;kA gekjs

QsMjs'ku dh egRoiw.kZ ckr ;g gS fd blus gekjs xkao ds okrkoj.k dks nwf"kr djus okyh 'kjkc dh nqdkuksa dk eqík

mBk;kA ge lc lger gq, fd ge 'kjkc csapus okyksa ij ncko MkysaA gekjs QsMjs'ku ds ç;klksa ls ge nqdkuksa dks

xkao ls nwj LFkkukarfjr djkus esa lQy gq,A ge lc okLro esa xokZfUor gSa fd ge vius thou esa bruk dqN çkIr

dj lds gSaA

06

vuhrk iky



xkao %

Cykd %

ftyk %

vuhrk iky

xkSjh 'kadj Lo;a lgk;rk lewg

gScriqj

dUukSt

dUukSt

esjs ifr ds ikl vf/kd Hkwfe ugha Fkh vkSj ge vius cPpksa dk

isV Hkjus ds fy, la?k"kZ djrs jgrs FksA eSa mUgsa ges'kk dgrh

jgrh Fkh fd og vius fy, nwljs jkstxkj ds volj <wa<sa

ysfdu ;g vdlj >xM+s esa cny tkrk FkkA eSaus vuqHko fd;k

fd mudks çksRlkfgr djus dk dksbZ vFkZ ugha gSA eq>s [kqn gh

vius ifjokj dh csgrjh ds fy, dqN djuk gksxkA tc Hkh

dHkh esjs ckgj tk dj dke djus ds fopkj ij ppkZ gksrh

cnys esa ,d d"Vçn pqIih feyrhA cgw ?kj ls ckgj tkdj

dke djs ;g fopkj esjs lkl&llqj dks vPNk ugha yxrk FkkA

bl mgkiksg ds chp] eq>s vius ,d fj'rsnkj ls ikl ds xkao esa

u, cus Lo;a lgk;rk lewg ds ckjs esa irk pykA eSa Lo;a

lgk;rk lewg cukus ds fy, mRlkfgr gks x;hA eSaus bl ij

vius ifr ls ppkZ dh ysfdu mUgksaus fuank Hkjs Loj esa dgk fd

eq>s fdlh lewg dks cukus dh t:jr ugha gSA bl chp eq>s

Lo;a lgk;rk lewg cukus ds ckjs esa dqN vkSj lwpuk vius

iM+kslh ls feyh vkSj eSaus vius ifr dks euk;k fd og eq>s

lacaf/kr dk;kZy; esa ys tk,aA eSaus mUgsa crk;k fd eSa gkbZ Ldwy

mÙkh.kZ gwa vkSj fjdkMZ dk j[kj[kko dj ywaxh vkSj Lo;a

lgk;rk lewg ls dqN vk; gks tk,xhA gekjh vkfFkZd n'kk

Bhd ugha gS vkSj gekjs cPpksa dk Hkfo"; vPNh f'k{kk vkSj gekjs }kjk muds fy, cukbZ x;h iwath ij fuHkZj djrk gSA

var esa og jkth gq, vkSj ge Cykd dk;kZy; x, tgka ij eq>s Lo;a lgk;rk lewg ds ckjs esa iwjh lwpuk nh x;h vkSj

;g fdl çdkj bu cprksa ds }kjk gekjh nSfud t:jrksa dks iwjk djus dk volj nsrk gS vkSj ckn esa cSadksa vkSj

ljdkj dh lgk;rk ls vk; miktZu xfrfof/k;ka çkjaHk dh tk ldrh gSaA

● ● ●

● ● ●

ikjaifjd cgw ls vuhrk dh ;k=k ,d ,slh efgyk ds :i esa gqbZ tks lkekftd ykecanh ds fy, lalk/ku O;fä ds :i esa mHkjh vkSj vius xkao esa lqxa/k cukus vkSj cspus ds lkFk Lo;a lgk;rk lewg Hkh cuk jgh gSA og vius ifjokj ds fy, vk; ds volj <wa<us ds fy, –<+ ladfYir FkhA vius lkgl ls og lkekftd ca/kuksa dks rksM+dj Lo;a lgk;rk lewg cuk ldhA og fu;fer :i ls cpr djrh vkSj Lo;a lgk;rk lewg ls _.k ysdj ?kjsyw t:jrksa dks iwjk djrhA Lo;a lgk;rk lewg us vf/kdkfj;ksa vkSj leqnk; ds lkFk laokn djus esa mldh {kerkvksa dks Js"B cukus esa lgk;rk dhA mlus vius xkao ds vU; ifjokjksa dks Lo;a lgk;rk lewg esa laxfBr djus ds fy, mRçsjd dh Hkwfedk fuHkkbZ vkSj lqxa/k ds mRiknu esa mudh {kerkvksa dks cukus esa lgk;rk dhA

07

Cykd dk;kyZ ; ea s bl cBS d ds ckn] ea S Lo;a lgk;rk legw cukus ds fy, n<̀+ lda fYir gks x;hA ea S njokt&s njokts

tkdj xkoa dh vU; efgykvka s dks vk'oLr djrh vkjS dkQh egs ur ds ckn ea S xkjS h 'kda j Lo;a lgk;rk legw cukus ea s

lQy gks x;hA ea S fu;fer :i ls Cykd dk;kyZ ; tkrh Fkh vkjS vxys pj.kka s ds ckjs ea s iNw rh Fkh] ftlls ea S

le;≤ ij vU; lnL;ka s dks fn'kk&fun'Zs k ns ldrh FkhA 'kh?kz gh gekjs legw dh xfsz Mxa gks x;h vkjS gea s cdaS vkjS

ljdkj ls igyh foÙkh; lgk;rk fey x;hA ;g lc ejs s fy, ljy ugha FkkA ckj&ckj ejs s ifr vkjS lkl&lljq Lo;a

lgk;rk legw dh cBS dka s ea s Hkkx yus s ds fy, ejs h vkykps uk djrs FkAs os dgrs Fks rEq ga s dNq ugha feyxs k] ;g le; dh

ccknZ h gAS dbZ ckj e>q ls dgk tkrk Fkk ,d vPNh vkjS r dks xkoa ea s vdys s ugha tkuk pkfg,A ;g vkykps uk ejs s

ifjokj rd lhfer ugha FkhA gekjs xkoa ds dNq ykxs ejs s xkoa ls ckgj tkus ij fVIi.kh djrs Fks vkjS ejs s ifr ds ikl

vkdj mUga s crkrs Fks fd rEq gkjh iRuh fdlh vkjS ds lkFk Hkkx tk,xhA bu puq kfS r;ka s dh Hk;kogrk e>q s jkds ugha ldhA

bl chp eq>s esjs xkao esa ,d ,sls O;fä ds :i esa igpku fey jgh Fkh ftls Kku Fkk] vkSj Cykd ,oa cSad vf/kdkfj;ksa

ds lkFk ckrphr dj ysrh gSA cSad vkSj Cykd dk;kZy; ls vf/kdkjh gels feyus Hkh vkrs FksA bls ns[kdj xkao dh

vkSj efgyk,a esjs ikl ;g tkuus ds fy, vkus yxha fd ge Lo;a lgk;rk lewg dh cSBdksa esa djrs D;k gSaA D;k blls

ge xjhch ls fudy ik,axs\ gekjs Lo;a lgk;rk lewg dks ljdkj ls D;k feysxk\ os viuh leL;kvksa ds ckjs esa Hkh

eq>ls ckr djrh FkhaA eSaus mUgsa viuk Lo;a lgk;rk lewg cukus esa xkbM djuk 'kq: fd;kA eSaus mUgsa çksRlkfgr

fd;k fd os esjs lkFk Cykd dk;kZy; vk,aA ;g esjs thou esa ,d vkSj ;k=k dh 'kq:vkr ds :i esa lkeus vkbZA

Cykd dk;kZy; esjs ç;klksa ls çHkkfor gks x;k fd fdl çdkj eSa vius xkao ds vU; lnL;ksa dks çsfjr dj jgh gwa vkSj

eq>s çLrko fn;k fd eSa muds fy, lalk/ku O;fä cu tkÅa vkSj eq>s vk'oklu fn;k fd Þ;fn rqe Lo;a lgk;rk

lewg cukvksxh rks ge rqEgsa dqN Hkqxrku djsaxsAß ;g lqudj eSa cgqr çlUu gqbZA eSaus vius loksZÙke ç;kl fd, vkSj

dqN gh le; esa yxHkx 20 Lo;a lgk;rk lewg cuk MkysA lkFk gh lkFk ge ,d ,slh fLFkfr esa igqap x, tgka ij

gekjk lewg dqN vk; miktZu xfrfof/k djus ds fy, lkspus yxkA gekjs dqN lnL; lqxa/k cukus dk dke djrs Fks

vkSj mUgksaus ge lHkh dks vk'oLr fd;k fd bls lh[kuk dfBu ugha gS vkSj gesa mfpr vk; nsxkA ifj;kstuk

dk;kZy; ds lkFk ckrphr vkSj ppkZ ds ckn gesa ifj;kstuk dk;kZy; ls lqxa/k cukus dk çf'k{k.k feyk vkSj geus

lqxa/k mRiknu djuk çkjaHk dj fn;kA

ifj;kstuk dk;kZy; us rduhdh vkSj foi.ku ,tsafl;ksa ls laca/k LFkkfir djus esa gesa lg;ksx fn;kA bl çfØ;k esa

ge lqxa/k vkSj iq"i fodkl dsaæ ls vPNs laca/k fodflr dj ldsA blus gesa dPps eky [kjhnus vkSj foi.ku esa cgqr

lg;ksx fn;kA vkt eSa ,d dqary lqxa/k dk mRiknu çfrekg dj ysrh gw¡A eq>s çfr dqary 4]800 :i;s dk nke fey

tkrk gS vkSj gj eghus 2300 ls 2500 :i;s dk ykHk vftZr dj ysrh gw¡A ifj;kstuk dk;kZy; ds leFkZu ls eSaus

jkT; esa dbZ esyksa esa Hkkx Hkh fy;k gSA

ifjokj us Hkh eq>s vkSj esjs ç;klksa dks Lohdkj fd;k gSA vc tc eSa cSBdksa] çf'k{k.kksa ;k cSad tkrh gw¡ rks dksbZ

Vhdk&fVIi.kh ugha gksrh gSA eSa vius ifr dh vkfFkZd enn dj cgqr [kq'k gwaA blls gekjs cPps fo|ky; tk jgs gSa

vkSj esjs llqj ds fxjrs LokLF; dh ns[kHkky gks ik jgh gSA tc yksx Cykd dk;kZy; esa vius dke ds fy, esjs ikl

vkrs gSa rks eSa cgqr [kq'k gksrh gwaA blls eq>s miyfC/k dh vuqHkwfr gksrh gS vkSj gj ,d ls lEeku feyrk gSA

08

uudquh



xkao %

Cykd %

ftyk %

uudquh

fu"kkn Lo;a lgk;rk lewg

nqofj;k

ujSuh

ckank

eSa Hkwfeghu Fkh vkSj esjh vkthfodk etnwjh ls pyrh FkhA

gekjs ikl iwjs lky dk [kkuk ugha gksrk Fkk] ge cgqr xjhc

FksA gekjk ?kj dPpk Fkk vkSj ge [kqys esa 'kkSp ds fy, tkrs

FksA

eq>s Lo;a lgk;rk lewg ds ckjs esa dqN irk ugha Fkk vkSj eSa

viuh jkstejkZ dh ftanxh esa my>h jgrh FkhA 'kknh&C;kg]

f'k{kk] jkstejkZ ds ?kjsyw [kpksaZ ds fy, eq>s egktu ls dtkZ

ysuk iM+rk FkkA og iSls rHkh nsrk Fkk tc eSa dqN xguk ;k

dksbZ dherh pht fxjoh j[krh Fkh vkSj og Hkh cgqr vf/kd

C;kt dh nj ijA 100&500 :- dh NksVh lh jde ds fy, Hkh

eSa m/kkj ysus ds fy, ,d ?kj ls nwljs ?kj tkrh FkhA

tc eq>s Lo;a lgk;rk lewg cukus ds fy, dgk x;k] eSa ml

le; Lo;a lgk;rk lewg cukus ds fy, rS;kj ugha gqbZA eSa lksp jgh Fkh eq>s Lo;a lgk;rk lewg ls D;k feysxk\ eq>s

cSad esa fdruk tek djuk iM+sxk vkSj eq>s fdruk vuqnku feysxk\ ;s fopkj eq>s Lo;a lgk;rk lewg esa tqM+us ls jksd

jgs FksA ysfdu esjs lgtdrkZ us crk;k fd Lo;a lgk;rk lewg cukus ls ge ,d nwljs dh vkfFkZd lgk;rk dj

ldrs gSaA

rc eSaus QSlyk fd;k fd eq>s igys Lo;a lgk;rk lewg cukuk pkfg, vkSj tks dqN Hkh gksxk mls ckn esa ns[kk

tk;sxkA Lo;a lgk;rk lewg cukus ds ckn eq>s cgqr lkjh leL;kvksa dk lkeuk djuk iM+k tSls fd Lo;a lgk;rk

lewg dk cSad [kkrk [kksyukA blds ckn fglkc&fdrkc fy[kus okyk dksbZ ugha FkkA ysfdu /khjs&/khjs lHkh lnL;ksa us

vkil esa feydj ,d LFkkuh; ys[kkiky pqukA blds ckn eq>s xkao ls ckgj ?kj esa cPps NksM+dj cSBdksa vkSj çf'k{k.kksa

ds fy, tkuk iM+k ftlls esjs ifr eq>ls ukjkt jgus yxsA blls esjk vkxs c<+uk :dk ugha D;ksafd eSaus ges'kk

vuqHko fd;k fd vc de ls de esjs gkFkksa esa dqN cpr rks gSA

Lo;a lgk;rk lewg cukus ds ckn eq>s cgqr lkjh lwpuk feyh ftlls esjs thou esa ifjorZu vk, blls esjs vUnj

fo'okl cukA geus 2]000 :- ls ysdj 15]000 :- rd ds _.k Lo;a lgk;rk lewg ls fy, ftls geus C;kt lfgr

● ● ●

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uudquh nsoh Hkwfeghu gSA og vius thou esa etnwj ls ekSleh lCth csapus okyh ls lCth dh nqdkunkj rd ifjorZu ykus esa lQy gqbZ gSA mlus Lo;a lgk;rk lewg ls cgqr lkjh lwpuk,a çkIr dha] ftlls mldk vkRefo'okl fodflr gqvkA mldh dtZ dh t:jrsa Lo;a lgk;rk lewg ls iwjh gksrh gSaA og fu;fer :i ls Lo;a lgk;rk lewg dh cSBdksa esa Hkkx ysrh gS vkSj vDlj cSad tkrh gSA

09

okil fd;kA blls esjh ?kjsyw t:jrsa iwjh gqbZaA vc eq>s nwljksa ds ?kj NksVh&NksVh jde ds fy, ugha tkuk iM+rk gS

vkSj Lo;a lgk;rk lewg gh esjh t:jrsa iwjh dj nsrk gSA

igys tc unh esa ikuh ?kVrk Fkk] rc eSa ikjaifjd rjhds ls lfCt;ka mxkrh Fkh ysfdu vc eSa ladj chtksa dk ç;ksx

djrh gw¡ vkSj esjk mRiknu c<+ x;k gSA igys esjs ikl vf/kd lfCt;ka ugha gksrh FkhaA blfy, esjs ikl tks dqN Hkh

lCth gksrh Fkh mls Vksdjh esa cktkj ys tkrh FkhA ysfdu vc esjh mit bruh c<+ x;h gS fd eSaus cktkj esa lCth dh

nqdku [kksy yh gSA

10

xhrk nsoh



xzke %

Cykd %

ftyk %

xhrk nsoh

nqxkZ efgyk Lo;a lgk;rk lewg

Kkuiqj

QwycsgM+

y[kheiqj [khjh

ge viuh jksVh ds fy, etnwjh ij fuHkZj Fks tks fd 30 ls 40

:- çfrfnu FkhA blds vykok gesa eghus esa dsoy 10 ls 15

fnu gh dke fey ikrk FkkA gekjk ?kj ckal dk ckM+k FkkA

vxj ?kj esa dksbZ chekj iM+ tkrk Fkk rks gesa iM+ksfl;ksa vkSj

fj'rsnkjksa ls m/kkj ysuk iM+rk FkkA dbZ ckj gekjs lkeus ,slh

fLFkfr;ka vkrh Fkha tc yksx m/kkj nsuk ugha pkgrs Fks D;ksafd

mudk ekuuk Fkk fd muds dtksaZ dks okil djuk gekjh

{kerk ds ckgj gSA

eq>s crk;k x;k fd Lo;a lgk;rk lewg] vius lnL;ksa dks

xjhch ls ckgj vkus esa enn djrk gSaA igyh pqukSrh esjs

lkeus ;g Fkh fd esjs ikl lewg esa cpr ds fy, iSls ugha FksA

esjs ifr Lo;a lgk;rk lewg esa cpr ds fy, iSls nsus dks

rS;kj ugha FksA ifj;kstuk dfeZ;ksa ls bl eqís ij ppkZ gqbZ vkSj

mUgksaus lykg nh fd [kkuk idkrs le; eSa dqN pkoy vkSj xsgwa fudkydj ,d= dj ldrh gw¡ vkSj mUgsa LFkkuh;

nqdku esa csp ldrh gw¡A vukt cspus ls tks dqN Hkh feysxk mls eSa Lo;a lgk;rk lewg dh fu;fer cpr dh jkf'k ds

:i esa fu/kkZfjr fd;k tk ldrk gSaA bl çdkj gekjk lewg cuk vkSj Lo;a lgk;rk lewg esa cpr çkjaHk gks xbZA

Lo;a lgk;rk lewg us esjs thou dks lq/kkjus ds fy, i;kZIr ;ksxnku fn;k gSA eSaus Lo;a lgk;rk lewg ls viuh

?kjsyw t:jrksa ds fy, NksVs&NksVs _.k fy,A fQj Lo.kZt;arh xzke Lojkstxkj ;kstuk ls gekjh Msjh ds çLrko ds

fy, esjs Lo;a lgk;rk lewg dks foÙkh; lgk;rk feyhA ge lcus feydj HkSalsa [kjhnha vkSj nw/k csapuk çkjaHk fd;k

ftlls gekjh vk; c<+hA

blls gesa cgqr çsj.kk feyhA geus ifj;kstuk deZpkfj;ksa ls vkxs ppkZ dh] fd ge vkSj D;k dj ldrs gSa ftlls

gekjh vkthfodk lq/kjsA ifj;kstuk deZpkfj;ksa ls ppkZ ds ckn geus vpkj vkSj tSe cukuk lh[kus dk QSlyk

fd;kA gesa vpkj vkSj tSe cukus dk çf'k{k.k feyk ftlds ckn geus vpkj vkSj tSe dk mRiknu 'kq: fd;k vkSj

mRikn dks cktkj esa cspkA blds ckn gesa ljdkj ls vkSj lgk;rk feyh] gesa ljl esys vkSj vU; esyksa esa Hkkx ysus

● ● ●

● ● ●

t:jrsa iwjh djus ds fy, xhrk nsoh dks ftanxh Hkj la?k"kZ djuk iM++kA mldk thou FkksM+h lh etnwjh ij fuHkZj FkkA mlds thou esa eksM+ rc vk;k tc mlus Lo;a lgk;rk lewg esa fu;fer :i ls cpr djuk vkSj _.k ysuk çkjaHk fd;kA og ,d etnwj ls vkt vpkj vkSj tSe dh mRiknd cu x;h gSA mls fu;fer vk; gksus yxh ftlls og viuk iDdk ?kj dj ldh rFkk viuh csfV;ksa dk fookg lEekuiwoZd dj ldhA

11

dk volj fn;k x;kA gekjs lewg us y[kuÅ egksRlo] cukjl egksRlo] d'ehj] eqacbZ] fnYyh vkSj yfyriqj esyksa esa

fu;fer :i ls Hkkx fy;kA

esjk vc iDdk ?kj gSa vkSj eq>s cPpksa dks fo|ky; Hkstuk lius tSlk ugha jgk gSA eSa viuh rhu csfV;ksa dk fookg Hkh

lEekuiwoZd dj ldh gw¡A esjs Lo;a lgk;rk lewg dh ,d vU; lnL; fofí;k us Hkh viuh fdjkus dh nqdku [kksyh gS

ftlls mlds ifjokj dks fu;fer vk; gksrh gSA vkt ge lHkh dks ,d igpku vkSj yksxksa ls lEeku feyk gSA

12

[ktkyh



xkao %

Cykd %

ftyk %

[ktkyh

xaxk Lo;a lgk;rk lewg

djuiqj

VIiy

vyhx<+

esjh u dsoy vkfFkZd n'kk cfYd esjh lkekftd n'kk Hkh [kjkc

FkhA ;g fLFkfr dsoy esjh gh ugha Fkh cfYd esjs lewg ds vU;

lnL;ksa dh Hkh Fkh tks fd leku n'kkvksa esa jg jgs FksA eSa Lo;a

lgk;rk lewg esa cpr ds fy, dkQh gn rd vius ifr ij

fuHkZj FkhA eSa ?kj ls vdsys ckgj tkus esa fgpfdpkrh FkhA

mu fnuksa esjs xkao ds dqN iq:"k dgrs Fks fd eSa vPNh vkSjr

ugha gw¡ D;ksafd eq>ls feyus vtuch vkrs gSa vkSj eSa Hkh xkao ls

ckgj çf'k{k.kksa esa Hkkx ysus ds fy, tkrh gw¡A os cgq/kk esjs ifr

dks dgrs Fks fd viuh iRuh dks jksd dj j[kks] oks xkao dk

ekgkSy [kjkc dj jgh gSA dqN dgrs Fks fd tc rqEgkjh iRuh

rqEgsa NksM+dj tk,xh rc rqe iNrkvksxsA ysfdu bu lkjh

ckrksa ds chp eSaus Lo;a lgk;rk lewg dks ugha NksM+kA

eSa etnwjh dh dekbZ ls jkst cpr djrh Fkh blh ls Lo;a lgk;rk lewg esa fu;fer ekfld cpr djrh FkhA ;g

fo'ks"k :i ls tc djrh Fkh tc esjs ifr Lo;a lgk;rk lewg esa cpr djus ds fy, iSls ugha nsrs FksA bl pqukSrh dks

le>uk dfBu gSA mUgsa ;g le>us esa dqN le; yxk fd ;s cprsa vkikrdky vkSj ladVdky ds nkSjku ykHknkbZ

gksrh gSa D;ksafd rc gesa vius iM+ksfl;ksa vkSj lacfU/k;ksa dk njoktk :i;ksa ds fy, [kV[kVkuk ugha iM+rkA

vc fLFkfr iwjh rjg ls cny x;h gSA vc u dsoy esjs ifr cfYd iwjk xkao gekjh Lo;a lgk;rk lewg cSBdksa dks

vk;ksftr djus] vf/kdkfj;ksa ls ckj&ckj dh cSBd djus vkSj çf'k{k.k ds fy, xkao ls ckgj tkus dk vknh gks x;k

gSA vkt ge vius chp 24]000 :- dh cpr dj pqds gSaA ;g gekjs fy, cM+h jde gSA igys bruk /ku esjs fy,

vdYiuh; FkkA vc eq>s nqckjk ugha lkspuk iM+rk gS fd cht] u, diM+s] vkfn [kjhnus ds fy, iSls dgka ls vk,axsA

eSa viuh csVh ds fookg ds fy, dqN vkHkw"k.k Hkh [kjhn ldh gwaA jkstejkZ dh ftanxh ds fy, eSa Lo;a lgk;rk lewg ls

_.k ys ldrh gwaA vc gesa egktu ds lkeus _.k ds fy, fxM+fxM+kuk vkSj mlds lkFk viuh phtsa fxjoh ugha

j[kuk iM+rh gaSA

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● ● ●

xaxk Lo;a lgk;rk lewg [ktkyh ds fy, ojnku lkfcr gqvk gSA Lo;a lgk;rk lewg ds ek/;e ls mldk lkeftd Lrj Åij mBk gSA og vkus tkus ds vojks/k vkSj ifr ij fuHkZjrk ij thr ik ldh gSA fu;fer :i ls Lo;a lgk;rk lewg esa cpr dj vU; lnL;ksa ds lkFk og lewg esa :- 24,000 dh cpr dj ldh gSA bl cpr ls mls vkfFkZd Lora=rk feyh gS tks fd mlds fy, ewY;okugSA

13

fc'ku nsoh



xzke %

Cykd %

ftyk %

fc'ku nsoh

larks"kh efgyk Lo;a lgk;rk lewg

e/kqiqjh

jkgh

jk;cjsyh

Lo;a lgk;rk lewg dsoy cpr vkSj _.k ds ckjs esa ugha gSA

Lo;a lgk;rk lewg us eq>s esjs thou dh lcls dherh pht

nh gSA esjs ifr ds ,d vU; efgyk ls voS/k laca/k FksA gj 'kke

og vius thou esa vkbZ nwljh efgyk ij fnu Hkj dh dekbZ]

[kpZ dj ?kj okil vkrsA ?kj okil vkrs le; og mlds ?kj

ij :drs vkSj mls iSls nsrs vkSj mlds fy, fdjkus dk

lkeku [kjhnrsA tc og ?kj esa ços'k djrs og iwjh rjg

'kjkc ds u'ks esa gksrs vkSj dqN Hkh iwNus ij eq>s vkSj cPpksa dks

cqjh rjg ihVrsA

eSa ugha le> ikbZ fd og esjs çfr brus fpM+fpM+s vkSj :[ks

D;ksa gks x, gSaA ysfdu /khjs&/khjs eSa muds laca/k ds ckjs esa le>

ldhA eSa cgq/kk xkao ds ços'k ds ikl bartkj djrh vkSj

mudh okilh ds le; mUgsa nwj ls ns[kus dk ç;kl djrhA

nwljh efgyk ds lkFk muds laca/k dh iqf"V gksus ds ckn Hkh eSa

lkgl ugha tqVk ldh fd muls muds laca/k ds ckjs esa iwNwaA ;g dqN le; rd pyrk jgkA eSa nq[kh gksrh tk jgh Fkh

vkSj vius vkidks vlgk; eku jgh FkhA

Lo;a lgk;rk lewg dh cSBd esa dqN lnL;ksa us eq>ls iwNk Þnhnh rqe pqi gks xbZ gks D;k dksbZ leL;k gS\ rqe ckr

ugha djrh gks ! ekeyk D;k gS \ß bl ckr ij eSa vius vkidks jksd ugha ikbZ vkSj vkalw cgus yxsA rc gj ,d us eq>s

lkaRouk nh vkSj eq>ls iwNk fd vkf[kj leL;k D;k gS\ blds ckn eSaus mudks crk;k fd esjs lkFk D;k py jgk gSA

mu lHkh us dgk fd os esjs lkFk gSa vkSj eq>s gj rjg dk lg;ksx nsaxhA blls eq>esa cgqr fo'okl vk;kA gj ,d us

lykg nh fd igys eq>s vius ifr dk lkeuk djuk iM+sxk vkSj mUgsa idM+uk iM+sxkA varr% eSaus mudk lkeuk fd;k

vkSj mUgsa mudh ftanxh dh nwljh vkSjr ds lkFk idM+kA eSa vius vkidks ml vkSjr dks ihVus ls jksd ugha ikbZ

ftlus esjs lq[kh oSokfgd thou esa vfrØe.k fd;k FkkA eSa çlUu gwa fd vc cqjk le; lc lekIr gks x;k gSA esjs

ifr dks esjs Lo;a lgk;rk lewg lnL;ksa ds cgqr lkjs rkus lquus iM+s vkSj lewg us mUgsa etcwj dj fn;k fd og esjs

çfr fu"Bkoku jgsaxsA

● ● ●

● ● ●

fc'ku nsoh] larks"kh efgyk Lo;a lgk;rk lewg dh lfØ; lnL; gSA mudh dgkuh crkrh gS fd fdl çdkj Lo;a lgk;rk lewg efgyk l'kähdj.k djrs gSaA os vius rkj&rkj gks pqds oSokfgd thou dks fQj ls cuk ldhaA og xfr'khy efgyk gSa vkSj nwljs ftyksa esa tkrh gSaA og vU; efgykvksa dks çsfjr djrh gSa rkfd os viuh fparkvksa ij fot; çkIr dj ldsaA og viuh usr`Ro {kerkvksa dks c<+k ldh gSa vkSj og ?kjsyw fgalk ls yM+us dh cM+h iSjksdkj gSaA

14

bl ?kVuk ls esjs vkRe&fo'okl dks vk/kkj fey x;k gSA bl eqís ij vDlj gekjs Lo;a lgk;rk lewg dh cSBd esa

ppkZ gksrh jgrh FkhA nqHkkZX;o'k gekjs Lo;a lgk;rk lewg dh lnL; lqeu ds lkFk mlds thou esa Hkh blh çdkj

dh ihM+k vkbZA mldk ifr 'kjkch Fkk vkSj fu;fer :i ls tqvk [ksyrk FkkA ,d fnu mlds ifr ds ikl tqvk [ksyus

ds fy, iSls ugha Fks blfy, og lqeu ds lkjs tsoj ys x;k vkSj mlus mUgsa 5]000 :- esa fxjoh j[k fn;kA lqeu us

mls jksdus dk ç;kl fd;k ysfdu mlus mls ekjk vkSj ?kj ij jksus ds fy, NksM+ fn;kA og esjs ikl vkbZ] eq>s ?kVuk

ds ckjs esa crk;k vkSj eq>ls dqN djus dks dgkA

eSaus mls dgk fd og fpark u djs vkSj eSa vU; lHkh lewg dh lnL;ksa dks cqykus fudy iM+hA lHkh cgusa ,d lkFk

ml txg ij xbZa tgka ij og tqvk [ksy jgk Fkk vkSj mls etcwj dj fn;k fd og crk, fd mlus dgka ij tsoj

fxjoh j[ks gSaA og igys rks xqLlk gqvk ysfdu tc geus mlls dgk fd og lksp ys fd vxj ge lHkh efgyk,a rqEgsa

ekjuk 'kq: dj nsa rks mldh bTtr dk D;k gksxkA fLFkfr dks ns[kdj og 'kkar gks x;kA rc ge bl QSlys ij vk,

fd Lo;a lgk;rk lewg 5]000 :- dk dtkZ lqeu dks nsxk rkfd og tsoj NqM+k lds ysfdu bl dtZ dks mldk ifr

pqdk,xkA mlds ifr dks bl opu ij NksM+k x;k fd og tqvk ugha [ksysxk vkSj viuh iRuh dks nqckjk ugha ekjsxkA

eSa efgykvksa dks vDlj crkrh gwa fd fdruk Hkh /ku D;ksa u gks og gekjs ifr;ksa dks okil ugha yk ldrk gSA ;g

dsoy efgykvksa dk ncko gS tks muds O;ogkj dks jksd ldrk gSA blfy, esjs vkSj esjs lewg lnL;ksa ds fy, Lo;a

lgk;rk lewg cpr vkSj _.k ls dgha vf/kd gSA

15

oanuk ;kno



xkao %

Cykd %

ftyk %

oanuk ;kno

t; 'khryk Lo;a lgk;rk lewg

nkaMh

pkdk

bykgkckn

eSa i<+uk pkgrh Fkh ysfdu esjk fookg baVjehfM,V iwjk djus ds ckn dj fn;k x;k FkkA nqHkkZX;o'k esjs ifr dksbZ dke ugha dj jgs Fks vkSj gekjs lkeus vkfFkZd leL;k,a vkus yxhaA 'kh?kz gh esjk ifjokj c<+ x;k vkSj gekjh vkfFkZd leL;k,a dbZ xquk c<+ xbZaA eSa dbZ ckj lksprh Fkh fd eq>s vius thou dks cnyus ds fy, dqN djuk gksxkA ,d fnu eq>s esjs pkpk ds ?kj ,d fdrkc feyh ftlesa dbZ lkjh mRiknu dh rduhdsa FkhaA

eSaus eksecfÙk;ksa dk mRiknu djus dk QSlyk fy;k ysfdu esjs

ikl bls 'kq: djus ds fy, iSls ugha FksA eSa fdlh ls iSls

ekaxuk Hkh ugha pkgrh FkhA ysfdu varr% eSaus viuh nknh ls

4]000 :- vkSj HkkbZ ls 3]000 :- m/kkj fy, vkSj eksecÙkh mRiknu 'kq: dj fn;kA eSaus eksecfÙk;ksa dh fcØh ls m/kkj

pqdk fn;kA ysfdu ;g dke T;knk fnu ugha pyk D;ksafd fctyh ds mRiknu vkSj bUoVZj ds mi;ksx esa c<+ksÙkjh ls

eksecfÙk;ksa dh ekax dkQh fxj x;hA blh le; esjh csVh chekj iM+ x;h vkSj gesa cgqr vf/kd :i;s [kpZ djus iM+s

ftlls esjh vkfFkZd gkyr vkSj [kjkc gks xbZA

bl chp eq>s Lo;a lgk;rk lewg ds ckjs esa tkudkjh feyhA eSaus vius xkao esa dqN yksxksa dks igpkuk vkSj Lo;a

lgk;rk lewg cuk fy;kA igys ge ekg esa ,d ckj cpr djus ds fy, feyrs FksA bu cprksa ls ge viuh

NksVh&NksVh t:jrksa dks iwjk dj ikrs FksA N% ekg ds ckn gekjs lewg dks 25]000 :- feysA bl /ku dk mi;ksx fpIl

cukus vkSj iSd djus ds fy, fd;k x;kA ;g esjs lius dh 'kq:vkr FkhA

gesa cSad ls Hkh dtZ feyk] ftls geus fpIl ds O;kikj esa iSdsftax djus esa yxk fn;kA gesa vius fpIl cspus ds fy,

Lo.kZ t;arh xzke Lojkstxkj ;kstuk ds lg;ksx ls ,d nqdku vkcafVr gqbZA blds mijkar ljl esys esa viuh igyh

Hkkxhnkjh dk volj feykA ljl esys esa Hkkxhnkjh ls gesa 50]000 :- dh dekbZ gqbZ vkSj ge lc esys dh çfrfØ;k ls

cgqr mRlkfgr gq,A bl rjg esjh vkenuh vkSj jkstxkj dks c<+kok feykA vc ge vpkj dk mRiknu 'kq: djus dh

;kstuk cuk jgs gSaA eSa çlUu gwa fd c<+h gqbZ vk; ls eSa vius cPpksa dks vPNs Ldwy esa Hkst ldrh gwaA eSa viuk ,d

NksVk ?kj Hkh cuk ldh gwaA esjk thou cny x;k gSa vkSj esjs ifr Hkh vc esjk lg;ksx djrs gSaA

● ● ●

● ● ●

oanuk ;kno lkekftd ca/kuksa dks rksM+ ldh gSA igys og vkfFkZd raxh esa Fkh] mldk ifr csjkstxkj FkkA Lo;a lgk;rk lewg esa 'kkfey gksus ds ckn mlus fpIl mRiknu dh 'kq#vkr dh] blls og Bhd&Bkd /ku dek ysrh gS ftlls og cPpksa dks vPNs Ldwy esa Hkst jgh gS vkSj mlus vius ifjokj ds fy, NksVk lk ?kj Hkh cuk fy;k gSA

16

m"kk nsoh



xkao %

Cykd %

ftyk %

m"kk nsoh

çsj.kk Lo;a lgk;rk lewg

ejx;k

dnkSjk

tkykSu

esjk ;g ,d yEck lQj jgk gSA esjk ifjokj dkQh xjhc FkkA eSa

fiNM+h tkfr ls gw¡A eSa viuh jksth jksVh xkao esa Je djds

dekrh gw¡A eq>s viuh NksVh t:jrksa ds fy, lkgqdkjksa ,oa

jktiwr ifjokjksa dh rjQ ns[kuk iM+rk FkkA

eq>s gj lky ekulwu vkus ls igys [ksrh ds fy; jktiwr

ifjokjksa ls :i;s m/kkj ysus iM+rs Fks rFkk C;kt lesr iw.kZ dtZ

dks dVkbZ ds ckn pqdk nsrh FkhA eq>s uk flQZ muls :i;s m/kkj

ysus iM+rs Fks ijUrq 1000 :i;s ls vf/kd dtZ ds fy, eq>s vius

tsoj fxjoh j[kus iM+rs FksA ml ij Hkh oks 5 :i;s lSdM+k dk

C;kt ysrs FksA vxj dtkZ T;knk gksrk Fkk rks eq>s iyk;u djds

pqdkuk iM+rk FkkA

eSa vklkuh ls Lo;a lgk;rk lewg dh lnL; ugha cuhA eSa fopkj esa iM+h Fkh fd eSa lnL; cu¡w fd ughaA dbZ ckj esjs

iM+kslh eq>s grksRlkfgr djus dk ç;kl djrsA og dgrs Þ;g rqEgkjs lkjs :i;s ys tk,¡xsß dHkh dgrs ÞcSad ds dtZ

eSa Qalk nsaxsßA fQj lgtdrkZ ds lkFk ,d cSBd dh x;hA cSad vf/kdkfj;ksa lesr lHkh lnL;ksa us Hkkx fy;kA cSBd

ds nkSjku ,l,pth ds Qk;ns] cSad ls dtZ ysus ,oa okilh dh çfØ;k ij ppkZ dh x;hA gessa lkQ&lkQ crk;k x;k

dh cSad dtZ lkgqdkjksa ds dtZ ls lLrk gksrk gSA ;g Hkh crk;k x;k fd cSad dtZ vklku fd'rksa eSa okil fd;k tk

ldrk gSA bu ckrksa ls çksRlkfgr gksdj eSa Lo;a lgk;rk lewg dh lnL; cuhA eSa ugha pkgrh Fkh fd eSa thou Hkj

lkgqdkjkas ij fuHkZj jgw¡A

esjs nks ,l,pth lnL;ksa dks muds fj'rsnkjksa us HkM+dk fn;k vkSj mUgksaus lewg NksM+ fn;kA dqN vkSj lnL; Hkh lewg

NksM+us ds dxkj ij Fks ij geus vkil esa ppkZ dh vkSj le>k;k fd ;g gesa Qsy djus dk ,d ç;kl gSA ml fnu ls

vkt rd esjk lewg vPNk py jgk gSA geas cSad [kkrk [kksyus eSa dkQh ijs'kkuh vkbZA ;g Hkh ,d fcanq Fkk tgk¡ geus

vius lewg dks Hkax djus dk lkspk FkkA

dbZ ckj lewg esa cSad ,oa çf'k{k.kksa esa vkus tkus ds [kpZ dks ysdj >xM+k gksrk Fkk ij geus mEehn ugha NksM+hA vkt

ge lc ;gh lksprs gS fd ,l,pth esa jguk gekjk lgh fu.kZ; FkkA vc iwjk ifjorZu gks x;k gSA eSa lewg ls vc

● ● ●

● ● ●

m"kk nsoh] fiNM+h tkfr ls gSA ,l,pth ds lg;ksx ls mudh fuHkZjrk lkgqdkjksa ij de gqbZ gSA lewg dks cSad ls vkfFkZd lgk;rk çkIr gqbZ ftlds ek/;e ls bUgksaus viuh vkthfodk vkjEHk dhA lnL;ksa ds lk{kjrk Lrj dks lq/kkjus esa lewg dh ,d vge Hkwfedk jgh gSA

17

NksVk dtZ ysrh gw¡ vkSj vklku fdLrksa esa pqdk nsrh gw¡A esjk C;kt vc esjs ,l,pth esa gh jgrk gSA og vc fdlh

vkSj dks ugha tkrk ftlls gekjh gh iwath c<+rh gS vkSj bl iwath dks ge t:jr ds le; mi;ksx djrs gSA

gesa igyk cSad dtZ 4 yk[k :i;s dk feykA ge lc us HkSals [kjhnh vkSj nqX/k cspus dh 'kq:vkr dhA blls esjh dqN

dekbZ gqbZ ftlls eSa ?kjsyw [kpZ dj ldhA eSaus vkjaHk esa nqf/k;k dks nqX/k csprh Fkh ij og lgh eksy ugha nsrk FkkA ij

vc ge lc QSV vuqlkj Msjh ij gh nqX/k csprs gSA esjs ,l,pth dh lnL; ekyrh us lewg ls dtZ ysdj iai lsV

[kjhnk gSA igys dqy rhu lnL; gh gLrk{kj djuk tkurh Fkh ij vc ge lHkh us gLrk{kj djuk lh[k fy;k gS

ftlls ge lHkh dk vkRefo'okl c<+k gSA

18

jktdqekjh



xkao %

Cykd %

ftyk %

jktdqekjh

efgyk Lo;a lgk;rk lewg

/kjekiqj

feghaiqjok

cgjkbp

esjs xkao esa ljyrk ls ugha igqapk tk ldrk gS D;ksafd vkokxeu

ds lk/ku ugha gSaA blls cktkj] dk;kZy; vkSj vLirky igqapus

esa dfBukbZ gksrh gSA ;krk;kr dk çeq[k lk/ku jsyos gSa tks fd

xkao ls 3&4 fdeh nwj taxy ds chp esa gSA jsyos LVs'ku dk

jkLrk dPpk gS vkSj taxyh tkuojksa ,oa pksjksa dk [krjk cuk

jgrk gSA

esjk lkekftd vkSj vkfFkZd thou Lrj dkQh [kjkc FkkA eq>s

viuh NksVh&NksVh t:jrksa dks iwjk djus ds fy, xkao ds nwljs

ifjokjksa dk eqag rkduk iM+rk FkkA eq>s cgqr vf/kd C;kt ij

dtZ feyrk Fkk vkSj dqN yksx rks gj ekg dk 5 çfr'kr rd dk

C;kt ysrs FksA ;fn eSa dtZ dk Hkqxrku dj Hkh nsrh Fkh rks Hkh eq>s

t:jr ds le; dtZ ugha feyrk FkkA eq>s cSadksa ds ckjs esa

tkudkjh de Fkh vkSj eq>s cSad 'kk[kk rd tkus esa Mj yxrk

FkkA Lo;a lgk;rk lewg cukus ls igys eSa lksprh Fkh fd eSa dHkh xjhch ls ckgj ugha vk ikÅaxhA eSa xjhc iSnk gqbZ gw¡

vkSj xjhc gh e:axhA

tc eSa vius Lo;a lgk;rk lewg ls tqM+h] rHkh xkao esa vQokgsa QSyus yxha fd ifj;kstuk ds yksx rqEgkjh cpr ysdj

Hkkx tk,axs ! rqEgsa ljdkjh dk;ZØe ls dksbZ leFkZu ugha feysxk! vxj rqeus cSad ls dtZ fy;k rks rqEgkjk ?kj tCr

gks tk,xk vkSj rqe dqN ugha dj ikvksxhA ysfdu bu vQokgksa dks lqus fcuk eSa vius Lo;a lgk;rk lewg dh cSBdsa

djrh jghA

Lo;a lgk;rk lewg cukus ds ckn Hkh jkLrk pqukSrhiw.kZ FkkA igyh pqukSrh Fkh cSad dk [kkrk [kksyukA blds fy, eq>s

cSad dbZ ckj tkuk iM+kA cSad gekjs xkao ls 13 fdeh nwj taxy ds nwljh vksj gSA cSad gekjk [kkrk [kksyus ds fy,

rS;kj ugha Fkk D;ksafd gekjs ikl i;kZIr igpku i= ugha FksA gekjs ikl tks igpku i= Fks mUgsa cSad eku ugha jgk

● ● ●

● ● ●

jktdqekjh /keZiqj xkao dh fuoklh gSA og vuqlwfpr tkfr dh gSA lhekUr leqnk; dh gksus dh nq'okfj;ksa vkSj ,d vyx&Fkyx xkao esa jgus ds ckotwn mlus viuh vkfFkZd Lora=rk dh fdj.k dHkh lekIr ugha gksus nhA mlus vius lius dks Lojkstxkjh gksdj iwjk fd;k vkSj Lo;a lgk;rk lewg dh foÙkh; lgk;rk ls ,d flykbZ e'khu [kjhnhA vc mls mlds ifjokj dk lEeku feyrk gSA

19

FkkA bl dkj.k cSad dbZ ckj tkuk iM+k vkSj eSa yxHkx grksRlkfgr gks xbZ FkhA

eSa viuk jkstxkj djuk pkgrh Fkh ysfdu esjs ikl bls 'kq: djus ds fy, iSls ugha FksA eSaus Lo;a lgk;rk lewg dh

cpr ls dtZ fy;kA eSaus ,d flykbZ e'khu [kjhnh vkSj flykbZ dk dke 'kq: fd;kA

vc gekjs lewg esa 28]000 :- dh cpr gS] tks gekjh t:jrksa dks iwjk djus esa lgk;rk djrh gSA gesa cSad ls 25]000

:- dh udn _.k lhek feyh gqbZ gS] ftlls ge vius dPps eky [kjhnus dh t:jrsa iwjh djrs gSaA vkt eSa vf/kd

fo'oLr gw¡ vkSj viuh cpr c<+kus ds ckjs esa lksprh jgrh gw¡A ,d efgyk gksus ds ckotwn eSa vojks/kksa dks ikj dj

ldh gw¡ vkSj eq>s vius ifjokj ls Hkh lEeku feyk gSA eq>s dtZ ds fy, vc fdlh dk eqag ugha ns[kuk iM+rk gSA

blls esjs fy, cgqr lkjs volj [kqys gSaA vc vxj fdlh vk; miktZu xfrfof/k dks djus ds fy, eq>s iSlksa ;k dtZ

dh t:jr gksrh gS rks eSa Lo;a lgk;rk lewg ;k cSad ls dtZ ys ldrh gwaA

20

deyk nsoh



xkao %

Cykd %

ftyk %

deyk nsoh

fnynkj efgyk Lo;a lgk;rk lewg

cgknqj uxj

cNjkoka

jk;cjsyh

Lo;a lgk;rk lewg us esjh ftanxh cny nh gSA igys gekjs ikl cgqr de /ku FkkA esjs ifr dke djus ugha tkrs Fks vkSj [ksrh ls vk; cgqr de FkhA Lo;a lgk;rk lewg dk lnL; cuuk esjs fy, dfBu Fkk D;ksafd esjs ikl lewg esa cpr dks dqN ugha FkkA eSa cgq/kk lksprh esjs ikl dgka ls iSlk vk,xk fd eSa cSBd esa fu;fer :i ls cpr tek dj ldwaxhA vxj eSa cpr ugha dj ikbZ rks nwljs lnL; esjs ckjs esa D;k lkspsaxs\ bl mgkiksg dks gekjs lewg ds lqxedrkZ us lqy>k;k ftUgksaus gesa crk;k fd lewg dks ,d ,slh cpr jkf'k r; djuk pkfg, ftls lcls fu/kZu lnL; Hkh ljyrk ls tek dj ldsA geus QSlyk fd;k fd ge 20 :- çfrekg cpk,axsA ;g /ku eSa ljyrk ls cpk ldrh FkhA

eSaus igys 500 :- dk dtZ fy;k rkfd eSa vPNh xq.koÙkk ds VekVj ds cht [kjhn ldwaA VekVj dh [ksrh ls esjs ifjokj dks 5]000 :- dk Qk;nk gqvkA ge bl vuqHko ls cgqr [kq'k gq,A blds ckn eSaus isijfeaV dh [ksrh ds fy, 5]000 :- dk dtZ fy;kA bl ckj eq>s 50]000 :- dk VuZvksoj gqvkA ge lc bl miyfC/k ls cgqr [kq'k gq,A ge bl /ku dks ljyrk ls Lo;a lgk;rk lewg dks okil dj ldsA

gekjs lewg dh lnL; NksVh jkeorh ds ifr ,d nq?kZVuk esa ekjs x,A mlds Åij cPpksa] ftuesa nks cM+h yM+fd;ka Fkha] dh ns[kHkky djus dh ftEesnkjh vk x;hA og muds fookg ds ckjs esa fpafrr FkhA mlds ikl vkB fclok Hkwfe Fkh vkSj og nwljksa ds [ksrksa ij etnwjh djrh FkhA efgyk gksus ds ukrs mls de etnwjh feyrh Fkh tks fd mlds ifjokj dk ikyu iks"k.k djus ds fy, i;kZIr ugha FkkA mldh çkFkfedrk Fkh csfV;ksa dk lEekuiwoZd fookg djukA og nks csfV;ksa dk fookg Lo;a lgk;rk lewg dh lgk;rk ls dj ldhA

bl rjg ge lc vius ifjokjksa ds fy, dqN dj lds gSaA eSa varr% viuh fxjoh j[kh Hkwfe NqM+k ldh gw¡A tcls eSa vius Lo;a lgk;rk lewg ls tM+h gwa] eq>s dtZ ds fy, fdlh dh vksj ugha ns[kuk iM+rk gSA eq>s fj'rsnkjksa ij fuHkZj jgus dh t:jr ugha gksrh gS ;k fdlh ls /ku ekax dj eq>s yfTtr ugha gksuk iM+rk gSA eSa viuh vkfFkZd dfBukb;ksa ls mcj pqdh gw¡ vkSj vc eSa vius cPpksa dks csgrj phtsa nsus dk ç;kl dj jgh gw¡A eq>s cgqr vPNk yxrk gS tc og dgrs gSa fd rqeus eq>s cgqr lgkjk fn;k gSA

● ● ●

● ● ●

cgqr FkksM+h dekbZ ls 'kq: dj deyk nsoh us VekVj mRiknu esa fuos'k fd;k gSA og Lo;a lgk;rk lewg esa fu;fer :i ls cpr djrh gSaA og vius xkao esa vU; efgykvksa ds fy, çsj.kk dk lzksr gSaA Lo;a lgk;rk lewg dh foÙkh; lgk;rk ls mUgksaus isijfeaV mRiknu çkjaHk fd;k ftlls og viuh nSfud vko';drkvksa dh iwfrZ djrh gSA

21

jkcjh nsoh



xkao %

Cykd %

ftyk %

jkcjh nsoh

eksgu Lo;a lgk;rk lewg

taxys dVkbZ

xkSjh cktkj

nsofj;k

esjk fcuk 'kkSpky; dk dPpk ?kj FkkA eSa yxHkx Hkwfeghu FkhA esjh

?kj dh vkenuh ekSleh Je ij fuHkZj jgrh FkhA lewg esa tqM+us ls

iwoZ] eq>s dbZ ckj lkgqdkjkas ls vf/kd C;kt ij 'kknh] chekjh ,oa

vU; ?kjsyw t:jrkas ds fy, _.k ysuk iM+rk FkkA

eq>s crk;k x;k Fkk fd lewg esa 10 ls 15 lnL; gksus pkfg, gSA

,l,pth dks de C;kt njksa ij cSad ls _.k feysxkA ifj;kstuk

ls Hkh lewg dks vkfFkZd lgk;rk çkIr gksxhA fdUrq mlh le; dqN

xkao okys dgus yxs Þ;s lc rqEgkjs :i;s ysdj Hkkx tk,¡xsßA dqN

;g dgus yxs vxj eSaus cSad _.k okil ugha fd;k rks cSad cnys esa

esjk lkeku ys tk,xkA ijUrq lgtdrkZ ds fujarj çksRlkgu ls eSa

mRlkfgr gqbZ vkSj vU; ifjokjksa dks çksRlkfgr dj lewg dk xBu

fd;kA

/khjs&/khjs eq>s lewg esa cpr dk egRo le> esa vk;kA eSaus lewg dh

cpr ls _.k ysdj mu xfrfof/k;ksa esa :i;s yxk;s ftlls esjh vkenuh c<s+A esjs lewg ds dqN lnL;ksa us cdfj;ka

[kjhnh vkSj dqN us ,l,pth ls _.k ysdj cNM+k [kjhnkA eSaus xkao esa ,d nqdku [kksyh gSA bl nqdku ls eq>s jkst

ds 50 ls 100 :i;s rd dh dekbZ gks tkrh gSA

eq>s yxrk gSa fd Lo;a lgk;rk lewg ls uk flQZ eq>s vkfFkZd ykHk gqvk cfYd lewg dk esjk vkRefo'okl c<+kus esa

Hkh ;ksxnku jgk gSA eSa vc vklkuh ls vf/kdkfj;ksa ds lkFk ckr dj ldrh gw¡A eSa vc vknfe;ksa ds le{k cksyus esa Hkh

ugha ?kcjkrh gw¡ vkSj ifr Hkh vc esjs lq>koksa dks lqurs gSA tc Hkh mudks :i;ksa dh t:jr gksrh gS og eq>ls gh

lg;ksx ysrs gSA esjs fy, vHkh ;g ,d var ugha cfYd ,d 'kq:vkr gS

● ● ●

● ● ●

jkcjh nsoh] dh ;g vuwBh dgkuh gSA og lekt ds lcls fupys oxZ ls gS A og yxHkx Hkwfeghu FkhA ,l-,p-th- esa cpr djds og viuh fc[kjh ftUnxh dks iqu%thfor dj ldh gSA ,l-,p-th- ds ek/;e ls mldk vkRefo'okl c<+k gS ftlls mldh vkthfodk c<+hA og vc cSad ,oa ljdkjh vf/kdkfj;ksa ds lkFk vklkuh ls ckr dj ik jgh gS

22

Department of Rural Development, Government of Uttar Pradesh

UTTAR PRADESH STATE RURAL LIVELIHOOD MISSIONUTTAR PRADESH STATE RURAL LIVELIHOOD MISSION

Chief Minister Message

The Government of Uttar Pradesh is committed towards the wellbeing and

development of the rural poor households in the State. The prosperity of our State rests

on the equitable participation and main streaming of rural poor households. This

cannot be accomplished without empowering the most vulnerable and marginalized

sections of our society especially rural women.

Uttar Pradesh State Rural Livelihood Mission has been established with an

objective of alleviating poverty and empowering rural poor women by organizing them

into self-owned and managed institutions i.e. Self Help Groups (SHGs). Village

Organisations and Cluster level federations, which will act as vehicles for leveraging

financial assistance from banking institutions and the private sector thereby ensuring

sustainable livelihoods to rural poor households. The Mission will organise more than

one crore rural poor households into almost 10 lakh SHGs over a period of 10 years.

I wish the Mission the very best as it sets out to achieve this daunting task.

Moreover, I congratulate Mission on compilation of 'Hamari Kahani Hamari Zubani', the

success stories of poor women whose lives have moved towards betterment. I am

confident that woman from each poor rural household in the state will get rid of poverty

through Self Help Groups.

(Akhilesh Yadav)

Shri Akhilesh YadavHon'ble Chief Minister of Uttar Pradesh

LAL BAHADUR SHASTRI BHAWAN

LUCKNOW

Date : 29 September, 2014

Message

The Rural Development Department, Government of Uttar Pradesh has taken

several initiatives for development of people residing in rural areas. Uttar Pradesh State

Rural Livelihood Mission (UPSRLM) is an effort in the same direction. UPSRLM was

formed as a society in 2011 to implement the Government of India's flagship programme,

the National Rural Livelihood Mission (NRLM). NRLM is a radical departure from the

earlier Swarn Jayanti Gram Swarojgar Yojna (SGSY) as it seeks to harness the inherent

capacity of rural poor to come out of poverty. The Mission will focus on empowering

rural poor specially the most socially excluded groups. The objective of the Mission is

to saturate each & every village in the State in the next ten years by ensuring that at least

one woman member of each poor household becomes a member of a Self Help

Group(SHG). It would also evolve innovative strategies for enhancing the livelihoods of

rural poor households in the State. I am pleased to know that the women whose stories

have been captured here, and others like them, have been able to improve their lives by

virtue of their membership of community institutions. I hope that each one of us would

support the Mission in its endeavors to eradicate rural poverty from the State.

(Arvind Kumar Singh Gope)

Shri Arvind Kumar Singh 'Gope'State Minister (independent Charge)

Department of Rural Development

Government of Uttar Pradesh

Bapu Bhawan R.N. 1/2,third floor, Lucknow - 226001

Ph. : (0522) 2214812 (O) (0522) 2237079 (R)

Message

The National Rural Livelihood Mission is a commendable effort to invest

intensively in the capacity building of rural poor households. The programme makes a

paradigm shift from a supply driven to a demand driven approach. It seeks to create

institutions of the poor that play a catalytic role in enhancing capacities, financial

literacy, access to financial institutions and collectivization of income generating

activities for advancement of livelihoods of people on a sustainable basis. The Uttar

Pradesh State Rural Livelihood Mission provides a purposeful interface between poor

households, Panchayti Raj Institutions, public-private organisations and other

agencies of the Government as it seeks to accomplish this task. The Mission seeks to

unleash the inherent potential of the poor specially the most downtrodden and

marginalized sections like Scheduled Castes, Scheduled Tribes, Minorities, Women, etc

by giving special impetus to their inclusion, capacity building, skill development, and

financial intermediation. I am sure the Mission will play a leading role in poverty

eradication and livelihood advancement in rural Uttar Pradesh.

(Alok Ranjan)

Alok Ranjan IASChief Secretory



Ph. : (0522) 2621599, 2238212 (O)

: (0522) 2239283 (Fax)

: (0522) 2235133 (Resi.)

Government of Uttar PradeshLal Bahadur Shastri Bhawan

Lucknow - 226001E-mail : [email protected]

Message

The Uttar Pradesh State Rural Livelihood Mission was established in 2011 as a

society under the aegis of Department of Rural Development to implement the National

Rural Livelihood Mission (NRLM) with the singular objective of eliminating rural

poverty. The Mission firmly believes that the “poor have innate capabilities and a strong

desire to come out of poverty”. The Mission acknowledges that social mobilization and

institution building of the rural poor are the foundation stones for achieving this

mandate. NRLM's objective is to reach out to all the poor families, link them to

sustainable livelihoods opportunities and nurture them till they come out of poverty

and enjoy a decent quality of life. Towards this end, NRLM has put in place dedicated

and sensitive support structures at various levels. I compliment the Mission in bringing

out this testimony of successful community interventions which I am sure would act as a

source of inspiration for all of us to redouble our efforts in eliminating the scourge of

rural poverty.

( V.N. Garg)

Shri. V.N. Garg IASAgriculture Production Commissioner


E-mail : [email protected]

Â: 0522-2238082 (O): 0522-2238145 : 0522- 2238393(Fax): 0522-2239848 (R)

Govt.of Uttar Pradesh9-10,Bahukhandi Bhawan,

Secretariat,Lucknow-226 001


Message

The National Rural Livelihood Mission was launched by restructuring the

erstwhile Swarnjayanti Gram Swarojgar Yojna (SGSY). NRLM seeks to remedy the

shortcomings of SGSY like vast regional variations in mobilization of rural poor;

insufficient capacity building of beneficiaries; insufficient investments for building

community institutions; and weak linkages with banks leading to low credit mobilization

and low repeat financing. The underlying spirit of NRLM is that “poor have capacities

and an inherent desire to come out of poverty”. The Mission focuses on social

mobilization, institution building and capacity building of the rural poor. The

Institutions of the poor – Self Help Groups, their federations and livelihoods collectives

- provide the poor the platform for collective action, based on self-help and mutual

cooperation. So that they become a strong demand system on behalf of the poor. They

build linkages with mainstream institutions, including banks, and Government

Departments to address their livelihoods issues and other dimensions of poverty. The

Mission ensures that these Institutions of poor involve socially excluded groups

particularly women. Through this compilation, it is indeed heartening to learn that how

community institutions are transforming lives of the poor rural women across the State.

(Arun Singhal)

Shri. Arun Singhal, IASPrincipal Secretary



Message

The National Rural Livelihood Mission (NRLM) is an effort to foster development

and create opportunities of livelihoods for the poor rural households within the State.

The Mission believes that the poor should form, own and manage their own self-

sustaining institutions. NRLM endeavours, through its dedicated sensitive support

structures and organizations at various levels, to reach out to all the rural poor

households, and take them out of poverty through building their capacities, increasing

their financial access, and self-managed self-reliant institutions. This is accomplished

through placement in jobs, and nurturing them into profitable self employment and

enterprises. The institutions of the poor gradually take charge of supporting their

members to be in control of their livelihoods, lives and destiny. I am sure this

compilation of success stories of women from all across the State will inspire millions of

other women to undertake the arduous journey towards prosperity, with renewed

vigour and confidence.

(Prabhat Mittal)

Shri Prabhat Mittal, IASCommissioner Rural Development Department of Rural Development


Message

NRLM has an ambitious mandate. It aims to reach out to all the rural poor families

and link them to sustainable livelihoods opportunities. It will nurture them till they come

out of poverty and enjoy a decent quality of life. Mobilising the poor into their

institutions needs to be induced by an external sensitive support structure. Government

agencies, NGOs and civil society organisations, Local Self Governments, Banks and

Corporate sector can play this role. With time, as the institutions of poor grow and

mature, they themselves become sensitive support structures. The dependence on

external support structures should decline over time. Their successful and empowered

members and leaders take charge of and accelerate many of these processes. Thus, the

programme for the poor becomes the programme by the poor.

The women whose stories have been so movingly captured in this compilation,

have successfully made the transition from poverty to prosperity by adhering to these

principles. I am sure NRLM will inspire many such success stories all across the State in

the years to come.

(Adarsh Singh)

Dr. Adarsh Singh, IASMission Director, UPSRLM



Testimonies of ……

1 Kusma (Raebareli) 01

2 Akalmanti (Raebareli) 03

3 Sanyogta (Kannauj) 05

4 Anita Pal (Kannauj) 07

5 Nankuni (Banda) 09

6 Geeta Devi (LakhimpurKheri) 11

7 Khajali (Aligarh) 13

8 Bishen Devi (Raebareli) 14

9 Vandana Yadav (Allahabad) 16

10 Usha Devi (Jalaun) 17

11 Rajkumari (Behraich) 19

12 Kamla Devi (Raebareli) 21

13 Rabri Devi (Deoria) 22

vvvv

01

Kusma

Name of SHG Member:

Name of SHG:

Village :

Block:

District:

Kusma

Puja Self Help Group

Kachaunda Mahdipur

Rahi

Raebareli

It was not easy for me to talk to strangers. It was not

acceptable that I could suggest something to my in-laws or

tell my husband to take care of our children today, as I have

to go to the bank or to participate in training programme. I

have changed; I am not like what I used to be.

I was so engrossed in my daily chores that taking out time

for meeting with neighbours or relatives was unthinkable.

This was only possible during festivities. Earlier I would

hardly think of meeting with each other. Despite living

together for so many years, I never realised the

importance of meeting with each other or sharing our

problems. However, this realisation came with regular

participation during SHG meetings, which gave us

opportunity to share jokes, our problems and together we

have developed an unimaginable bond among us.

I was deserted by my husband. I had to bear the responsibility of 3 daughters and a son. There were

times, when I was in need of money. It was not easy for me to get credit. Moneylenders were not ready to

provide even small loans. Even if they did then they required some collateral like our jewellery, land etc.

that too for that they will charge exorbitant rate of interest. Whatever I used to earn went away in

repaying expensive loans. I first took a small loan from SHG to meet my domestic needs and repaid the

loan by doing small labour works. I then took a loan of Rs 15000/- and opened a general store shop in the

village.

It was not easy to become member of SHG. My brother was not ready for me to become a member of SHG.

He said that nobody from our family will join SHG. He would often get angry whenever discussion took

place in the house. He was not ready because some of his friends have told him that “your sister will go

out alone for three four days to other villages in the name of trainings and God knows what they will do to

her”. Villagers will say different things about you and this will bring bad repute to me and the family. But I

was firm on joining SHG, as I didn't have enough money. Often when my children would fall sick or want

to buy clothes during festivals, I would have to depend on my contractor or my family for that money and

would have to hear something or the other, which I didn't like. Thus I wanted to save some small money

so that I can start something of my own.

● ● ●

● ● ●

Kusma is a proactive leader of her group.

She has been able to rebuild her life after

she was deserted by her Husband. Her

habit of regularly saving in SHG enabled

her to open a Shop, which provides

income for her family. She was not only

able to improve her living conditions but

motivates other women too to overcome

their woes.

Once I joined SHG, I and my brother had an altercation. For days we didn't talk to each other. He was not

happy about it and was not ready to listen. However, gradually he did understand the importance of SHG

in my life and started supporting me. He would often come down to our training place and sit outside to

know what is going on.

I was not the only one who faced this problem. Similar problem was faced by Gyanwati didi. Her husband

too was not ready for her to join the SHG. Her husband was alcoholic. He would often spend his earned

money on drinks. She was always short of money for meeting necessities like for daily groceries,

household repairs, children education etc. He would often come drunk and will misbehave with her. This

habit was increasing day by day. She was quite worried about his behaviour and quietly joined SHG.

One day her husband, after having altercation in family tried to commit a suicide. He put kerosene on

himself and set himself on fire. He was badly burned and lot of money was needed for his medication but

nobody was coming forward to support them. When, I went to meet Gyanwati she was crying. She told

me that she desperately needed money to save her husband's life and she has asked for the money from

relatives but nobody is providing her money. I told her why you are asking everyone for money. You can

take loan from SHG. She took a loan of Rs 16000/- from SHG for his medication.

Our lives have changed just because of SHG. I am no more dependent on my parents or my brother. Today,

I have my own shop. I have been able to do mint cultivation on batai. Some of my SHG members have

bought some lands; some have started doing mint farming. Earlier nobody used to know me but now

people and officers come to meet me. My family respect me and recognise my contribution to the family.

02

Akalmanti

Name of SHG Member:

Name of SHG:

Village :

Block:

District:

Akalmanti

Shankar Self Help Group

Hanspura Hansa

Rahi

Raebareli

Our hamlet is known as hamlet of snake charmers in

Hanspura. All the households in my hamlet are Schedule

Tribes. Our ancestors had migrated long time back from

West Bengal.

We were initially beggars and my husband would roam

and beg. In monsoon we would catch snakes. Then my

husband would travel to distant places to show snake

charm. There were times when we didn't have twice a day

meal and have to content ourselves with a single meal in a

day. Our house didn't have a roof and we didn't have

enough money to buy thatch. Those were quite difficult

days. We had no land and I would have to do labour on

others land for which I used to get very low wages.

When CRP asked me and other women like me to form the

Self Help group we were not ready as we didn't have

enough money to do weekly savings. CRP regularly come to me to explain that if I can save Re 2 per day

then it will be Rs 10 in a week. This motivated me and I considered this as possible. However, the

challenge was not limited to savings only. Neighbours would scare us that if we took loan from bank and

didn't repay. We shall be put behind the bars.

Block officer advised us not to worry about such arguments. You will have to pay what you will borrow

from bank. Why you would borrow so much, which you cannot afford to repay. All this is being said just to

discourage you from forming SHG. Second what is the harm in trying; your savings are with you. This

gave us some strength and we agreed to form SHG.

Initially I was not able to express myself. CRP would often encourage me to speak. SHG first taught me

how to speak, express myself and enabled me to overcome my internal hesitations.

Indeed there were times when moneylenders would not give me loan. If they did it will be on a high cost

of Rs 10-20 per 100 rupees. But because of SHG I didn't have to look towards them anymore. I brought a

03

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● ● ●

SHG movement has facilitated the

progress of Akalmanti wife of snake

charmer from begging to creation of

assets through financial assistance from

SHG and Bank. She regularly saves in SHG

and takes loans and repays them. She

acknowledges that SHG has contributed

in building her confidence, her ability to

communicate and increased her stake in

decision making within family.

buffalo from my first SHG loan. I repaid the SHG loan with the money I earned from selling milk. Then I

took a second loan of Rs 40000/- for buying mules and with successive incomes I have been able to

purchase 10 biswa of land. My son shambhunath has completed his MA. My dream is now to open a shop

at the main road.

Indeed there were times when moneylenders would not give me loan. If they did it will be on a high cost

of Rs 10-20 per 100 rupees. But because of SHG I didn't have to look towards them anymore. I brought a

buffalo from my first SHG loan. I repaid the SHG loan with the money I earned from selling milk. Then I

took a second loan of Rs 40000/- for buying mules and with successive incomes I have been able to

purchase 10 biswa of land. My son shambhunath has completed his MA. My dream is now to open a shop

at the main road.

04

Sanyogta

Name of SHG Member:

Name of SHG:

Village:

Block:

District:

Sanyogta

Shiksha Pradhali Self Help Group

Murra

Saurik

Kannauj

A decade ago it was not easy for me to get a loan. Only

those households would get credit which could mortgage

something. It was much difficult for me to get credit as

we were poor and didn't have much to mortgage. We

didn't have adequate space for making a shed for goats,

forget about buffaloes. Apart from that there were lot of

restrictions on women; it was not socially acceptable

that we go out alone for our own work and interact with

men.

I had to struggle a lot. Even for saving in SHG I would

save from grocery purchases. My husband was against

joining SHG. He would not permit me to join SHG. I

become part of SHG without his consent initially but

when our son fell ill and we were in need of money, I gave him money; he asked me from where

you got this money. I hesitantly told him that it was from SHG. He didn't say anything but

accepted the money for our sons' treatment.

Today I don't have to look to anyone for credit. Now, I have been able to overcome all hurdles to

get money. My SHG has a substantial saving of Rs 1.25 lacs, which is still growing. This saving is

after we have distributed profit among all the group members. I first learned to regularly save in

group. After that I learned to take loans from these savings for my household needs. We also got

financial support from government. With this support we purchased buffaloes. Buffalo milk

provided us income. However, local milkmen did not give us good prices. We raised this issue

with project staff. A meeting was arranged with Parag dairy and the dairy agreed to purchase

our milk. This increased our household income from sale of milk at better prices.

The local milk man getting to know that we are going to sell milk to dairy. First he increased the

price of milk. Then started telling us that dairy will not give good payment. But we knew that he

will decrease the price once we abandon our dairy. With increased prices and enhanced income I

05

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● ● ●

Sanyogta Devi has come a long way in

her life. She has been able to free

herself from the clutches of

moneylender. She is proactive woman

with good leadership. She extensively

motivates other women to overcome

their poverty through community

Institutions.

felt confident. We took another loan from bank and bought more buffaloes. Now we were having

more volume of milk, which could not be properly handled at collection centre. Looking at our

efforts other households in the village too started selling milk to dairy. After seeing the quantity

of milk at our milk collection centre, a chilling unit was opened in our village.

We did not limit ourselves to SHG but we formed our cluster federation too. The important thing

which our federation did was to raise the issue of liquor shops spoiling the environment of our

village. Then we all agreed to put pressure on the liquor sellers. With our federations' efforts, we

were able to shift the shops away from the village. I am really proud of what I have been able to

achieve in my life.

06

Anita Pal

Name of SHG Member:

Name of SHG:

Village:

Block:

District:

Anita Pal

Gauri Shanker Self Help Group

Haibatpur

Kannauj

Kannauj

My husband didn't have much land. We were struggling to

feed our children. I would often tell him to look for other

employment opportunities but this would often end up in

an altercation. I realised that encouraging him is going in

vain. I will have to do something to earn for betterment of

my family. Whenever the idea of going out for work was

discussed, it was met with uncomfortable silence. The idea

of daughter in law going out of house to work did not go well

with my in laws.

In the midst of these deliberations, I came to know from

our relative about the newly formed Self help group in our

neighbouring village. I was enthused to form the SHG. I

tried to discuss it with my husband but he said in a profane

manner that we don't have to form any group. Meanwhile

I further got some more information about SHG from my

neighbours and again tried to persuade my husband to

take me to the concerned office. I said to him that I am high

school pass, will be able to maintain the records and there

will be some income from SHG. Our financial condition is

not good and our children's future depends on good

education and on assets we can create for them. Finally he

agreed and we went to the Block office, where I was

provided full information about SHG and how it provides

some opportunity to save for meeting our daily needs and later assistance from banks and government

for starting income generating activities.

After this meeting with Block office, I was determined to form SHG. I would often go from door to door to

convince other women in the village. With lot of perseverance, I was able to form Gauri Shanker Self Help

Group. I would regularly visit Block office and enquire about the next steps, which enabled me to guide

my other members from time to time. Soon, our group was graded and we received our first financial

assistance from bank and government. All this was not easy for me. Often my husband and in laws would

● ● ●

● ● ●

Anita's journey from traditional daughter

in law to a woman who has become focal

resource for social mobilisation, forming

Self help groups along with production

and selling of incense in her village. She

was determined to find avenues of

income for her family. Her courage

enabled her to overcome social barriers

to form Self Help Group. She would

regularly save and take loans from SHG to

meet her household needs. SHG

facilitated her to excel her capacities

while interacting with officials and

community. She played a catalytic role in

mobilising other households of her

village to form SHGs and building their

capacities in production of incense.

07

criticise me for participating in SHG meetings. They would say that you will not get anything, its waste of

time. At times I was told that a good nurtured woman should not go out of village alone. Even this

criticism was not limited to my family; some people in my village too would comment on my going out of

village and would come to my husband to tell him that “someday your wife will run away with someone.

The enormity of these challenges did not forestall me.

Meanwhile, I was getting identity within my village, as one who has knowledge, converses with block

and bank officials. The officials from bank and block office would come to meet me too. Looking at this,

other women in the village started approaching me to know what we do in SHG meetings. How it will

enable us to get out of poverty? What our SHG will get from government? They would also share their

problems with me. I started guiding them to form their own SHG. I motivated them to come with me to

the Block office. This turned out to be the beginning of another journey in my life.

The Block office was impressed by my efforts. Looking at how I am motivating other members of my

village, they offered me to become a resource person for them. They assured me that “if I will form SHG's

then they will pay me some money”. I was thrilled to hear this. I started putting my best efforts and

formed some 20 SHGs in a short span of time. At the same time we reached a stage where my group was

looking forward for starting some income generating activity. Some of our members were engaged into

incense making. They convinced all of us that it's not difficult to learn and will provide reasonable

income. After deliberations and discussion with project office, we got training on incense making from

project office and commenced our incense production.

The project office supported us in establishing linkages with technical and marketing agencies. In the

process, we were able to develop good relations with Fragrance and Flower Development Centre-FFDC,

which extensively supported us in procurement of raw materials and marketing. Today, I produce one

quintal of incense per month. I am able to fetch Rs 4800 per quintal price and earn a profit of Rs 2300 to

Rs 2500 per month. With support of project office, I have participated in many fairs in the State.

My family has also accepted my efforts. Now there are no comments, when I go out to participate in

meetings, for trainings or for going to bank. I am very happy for providing financial assistance to my

husband. My earnings has enabled us to send our children to school and take care of deteriorating health

of my father in law. I am so happy to see that now people come to me for their work in Block office, which

gives me sense of achievement and enjoy respect from everyone.

08

Nankuni

Name of SHG Member:

Name of SHG:

Village:

Block:

District:

Nankuni

Nishad Self Help Group

Duvariya

Naraini

Banda

I was landless and earned my livelihoods by doing daily

labour. We didn't have food for whole year, we were quite

poor. Our house was made of mud and we would go for

open defecation.

I had no idea about SHG. I was engrossed in daily

household works. Whenever, I was in need of money. I

would borrow money from money lender for marriages,

education, day to day domestic expenses. He would lend

money only if I could mortgage my jewelry or some

valuables and that too at very high interest rates. Even for

smaller borrowings of Rs 100 to Rs 500, I had to go from

one house to another.

When I was asked to form SHG, I was not ready to form

SHG. I was thinking what will I get from SHG? How much

money will I get? How much I would have to deposit in bank and how much grant will I get? These

thoughts were preventing me to form the SHG. However, our facilitator informed that by forming SHG we

can economically help each other.

Then I decided to form the SHG. Whatever will happen, will be seen latter on ! After forming SHG, I faced

lot of problems like first there was no one to write the books of SHG. But gradually a local book keeper

was mutually selected by all the members. Subsequently, I had to go out of village to participate in

meetings and trainings and leave behind children, due to which my husband would get angry with me.

Then opening of SHG bank account was another. I had to visit bank several times after which I we were

able to open our SHG bank account. This never dither me from going on because I always felt that now I at

least have some savings in my hand.

After forming Self Help Group, I got lot of new information, which brought change in my life. First, it

developed confidence within me. We took several times loan from SHG from Rs 2000 to Rs 15000, which

09

● ● ●

● ● ●

Nankuni Devi is landless. She has been

able to transform her life from being a

labourer and selling seasonal vegetables

to a vegetable shopkeeper. She got lot of

information from SHG, which developed

her confidence. Her credit needs are met

through Self Help Group. She regularly

participates in SHG meetings and

frequently visits Bank.

we returned along with interest. This enabled me to meet my household's needs. Now I didn't have to go

to others house for small loans and SHG could fulfill my needs.

Earlier, when the water level would recede in river, I would do vegetable cultivation with traditional

method but now I use good quality seeds and our productivity has improved. Earlier, I didn't have

enough vegetables so I would just take vegetable bucket to market but now my vegetable yield has

increased and I have opened a vegetable shop in the market.

10

Geeta Devi

Name of SHG Member :

Name of SHG :

Village :

Block :

District :

Geeta Devi

Durga Mahila Self Help Group

Gyanpur

Phoolbahen

Lakhimpur kheri

I lived on the bread earned through doing labour work

for which I would get only Rs 30 to Rs 40 per day.

Moreover, I could only get this labour work for 10 to 15

days in a month. My house was a bamboo shed. If

someone in our family fell sick, we had to borrow money

from our neighbours and relatives. Often I would face

situations where people were not willing to lend

money. They thought that we don't have the capacity to

repay their loans.

I was informed about the Self Help Group that “it

enables its members to come out of poverty”. However,

the first challenge before me was that I didn't have

money to save. My husband was not ready to give me

money for depositing in SHG. I discussed this issue

with the project staff. He suggested an idea that “while

cooking food, I could save some rice and wheat grains. Then can sell these grains at the local

shop”. Whatever amount I get from selling the grains, we could decide that as regular saving

amount for SHG. This is how I joined in my group and started saving within SHG.

SHG has substantially contributed in improving my life. I took small loans from SHG for

fulfilling my household needs. My SHG got financial assistance from SGSY for our dairy

proposal. All of us purchased buffaloes and started selling milk, which enhanced our incomes.

This gave me lot of motivation.

We further discussed with project staff what else we could do to enhance our livelihoods. After

discussion with project staff we decided to learn pickle & jam production. We got training for

making pickle and jam. After which, we initiated production of pickle and jam and sold it in

market. Subsequently, the project gave us opportunity to participate in Saras fair and other

fairs. Our Group participated in Lucknow, Varanasi mahautsav, Kashmir, Mumbai, Delhi and

11

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● ● ●

Geeta Devi had to struggle all her life to

make ends meet. Her sustenance was

based on meager daily wages. Her life

took a turn with regular thrift and credit

in Self Help Group. She has moved from

being a labourer to producing and

marketing of pickle & jam. She was able

to have regular income, which enables

h e r to m a r r y h e r d a u g hte rs '

respectably.

Lalitpur fairs on regular basis.

Now I have a bricked house and it is not a dream for me to send my children to school. I was able

to marry my three daughters through financial support from SHG. My SHG member Vidya has

been able to open a grocery shop, which gives regular income to her family. Today, we all have

got a unique identity and get respect from people.

12

Khajali


Name of SHG :

Village :

Block :

District :

Khajali

Ganga Self Help Group

Karanpur

Tappal

Aligarh

My economic condition was not only low but my social

status within the village was equally low. This was not

only my situation but other members of my group too

were living in similar conditions. I had to depend a lot

on my husband for monthly savings within SHG. I

always felt hesitant while going out of house alone.

There were days when some men in my village

considered that I am not a good mannered woman, as

strangers would come to meet me. I too would go out of

village to participate in trainings. They would often

tell my husband “to check your wife. She is creating

bad environment in the village.” Some would say that

“you will regret once your wife will desert you”. But

despite such storms, I didn't abandon my Self Help

Group.

I used to save from daily wage earned through labour work for monthly savings of SHG. As often

my husband would not give money to save in SHG. This challenge is difficult to comprehend. It

took some time for him to acknowledge that these savings were beneficial during emergencies

and crisis, when we didn't have to look or knock at our relatives and neighbour's door for money.

It's has been a complete turnaround. Not only my husband but the entire village has now been

accustomed to our habit of conducting SHG meetings, our frequent meeting with officers and our

going out of village to attend trainings. Today we have been able to save Rs 24000/- among

ourselves. This is a big amount for us. Earlier having this much money was unimaginable to me.

Now, I don't have to think again from where I will get money to buy seeds, new clothes etc. I have

been able to buy some jewellery for my daughters' marriage. I am able to take loans from SHG

for my day to day needs. Now, I don't have to beg for credit from money lenders or mortgage my

belongings with him.

13

● ● ●

● ● ●

Ganga Self Help Group has been a boon

for Khajali. She has been able to

improve her social status through SHG.

She overcame barriers of mobility and

dependence on spouse. She along with

her other group members has been

able to generate a corpus of Rs 24000 by

doing regular savings in SHG. These

savings has given her financial

independence, which is valuable for

her.

Bishen Devi


Name of SHG :

Village :

Block :

District :

Bishen Devi

Santoshi Mahila Self Help Group

Madhupuri

Rahi

Raebareilly

SHG is not merely about thrift & credit. SHG has given me

the most precious thing in life. My husband was having

illegitimate relations with another woman. Each

evening he would come to home spending all what he

has earned during the day on the second woman in his

life. While returning to home he will stop at her place to

give her money, buy her groceries. When he would enter

the house he will be completely drunk, would beat me

and my children horribly on inquiring anything.

I was not able to understand, why he has become so

irritating and rude to me. But gradually, I did figure it out

about his relationship. I would often wait close to the

entrance of the village and try to look for him from

distant at the time of his return. Even, after discovering

about his relationship with the women I could not

muster the guts to ask him or inquire about his

relationship. This went on for some time; I was becoming sad and was finding myself a bit helpless.

During SHG meeting, some members asked me “didi you have become quiet is there any problem? You

don't talk! What's the matter” At this point I could not hold myself and the tears rolled down. Then

everyone consoled me and asked to tell them what the problem is. I then told them what I am going

through. They all said that they are with me and will extend all support. This gave me lot of confidence.

Everyone suggested that firstly I will have to confront with my husband and catch him. I finally decided to

confront him and caught him with the second woman in his life. I could not resist myself an started

beating the woman who has encroached on my happy married life. I am happy that all is over now. My

husband had to face so many taunts of my SHG members. They forced him to swear that he will always

remain loyal to me.

This incident bolstered my self-confidence. Unfortunately Suman my SHG member faced a similar

tribulation in her life too. Her husband was alcoholic and was in habit of regular gambling. One day her

14

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● ● ●

Bishen Devi is an active member of

Santoshi Mahila SHG. Her narrative

demonstrates how SHGs facilitates women

empowerment. She has been able to

rebuild her tattered married life. She has

gained mobility and travels to other

districts. She motivates other women to

overcome their woes. She has been able to

enhance her leadership abilities and an

ardent advocate for combating domestic

violence.

husband didn't have money for gambling so he took away all the jewellery of Suman and mortgage it for

Rs 5000/-. She tried to stop him but he battered her and left her helpless crying at home. She came to me

and told me about the whole incident and requested me to do something about it.

I told her not to worry and went out to call all other group members. We all went to the place where he

was playing cards and put pressure on him to tell with whom he has mortgaged jewellery. He was angry

first but we told him that before you do anything, just think if we all women started beating you, what will

happen to your reputation. Realising the situation he calmed down. Then we arrived at a decision that

SHG will lend Rs 5000/- to Suman for release of jewellery but this loan would be repaid by her husband.

Her husband was spared on the wow that he will not gamble and will not beat his wife again. I often tell

women that can any amount of money would have been able to bring our husbands back. It is only the

pressure of women that checked our husband's behaviour. Hence, to me and our group, SHG is more than

finance and credit.

15

Vandana Yadav


Name of SHG :

Village :

Block :

District :

Vandana Yadav

Jai Sheetla Self Help Group

Dandi

Chaka

Allahabad

I wanted to further study but my marriage was

solemnized after completing my intermediate.

Unfortunately my husband was not doing any

work. We were having financial problems. Soon our

family got expanded and our financial problems got

manifold. I was often thinking that I will have to do

something to change our lives. One day, I came

across a book at my uncles' house, which had many

production techniques.

I decided to start producing candles but I didn't

have the money to start it. I also didn't want to ask

any one for the money. However, finally I borrowed

Rs 4000/- from my grandmother and Rs 3000/- from

my brother and initiated candle manufacturing. I repaid their loan through candle sales. This

did not go for long as the electricity supply increased and increased use of inverters, the demand

for candles fell considerably. During this phase my daughter fell sick. We had to incur lot of

expenses on her illness, which further weakened our financial condition.

In the meantime, I got awareness about SHG. I identified and motivated other members of my

village to form SHG. First we would meet in a month for savings. These savings enabled us to

meet are small needs. After six months our group got Rs. 25,000/-. This money was used for

production and packaging of chips. This was the beginning of my dream.

We also got loan from bank, which we invested in packaging of our chips business. We got a shop

allocated through support of Swarn jayanti Gram Swarojgar Yojna-SGSY for sale of our chips.

In our first representation in Saras fair, we were able to earn Rs 50000/-. We all were very

pleased with the response in fair. Now, we are planning to start production of pickle. I am happy

that with enhanced income I am able to send my children to good school. I have also been able to

arrange for our small own house. My life has changed and now my husband too supports me.

16

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Vandana Yadav was able to overcome the

social shackles. She was under the financial

stress and her husband was unemployed.

After joining SHG she excelled in chips

production and earns a reasonable income

to send her children to good school and

was able to buy a small dwelling for her

family.

Usha Devi


Name of SHG :

Village :

Block :

District :

Usha Devi

Prerna Self Help Group

Margaya

Kadaura

Jalaun

It has been a long journey for me, we were quite

poor. In my SHG only four members had some 2-3

beeghas of land and the rest of us were landless. I

am from backward caste. I would earn my bread

doing labour work in village. Even for small needs, I

would have to look towards moneylenders or Rajput

households.

I used to annually borrow money from Rajput

households, before the onset of monsoon for

agriculture and repay the entire loan along with

interest at the time of harvest”. It was not only that

I had to borrow money from them but for a loan of

more than Rs 1000/-. I would have to mortgage my jewellery and would be charged Rs 5 per Rs

100/-. If the loan was big then I would migrate. With money earned from migrating I would repay

the loan to moneylenders.

I did not join the Self Help Group easily. I was confused, whether to join or not. Often my

neighbours would discourage me by saying “they will take away your money” or “they will trap

you in bank credit”. Then a meeting was convened with facilitator. All the members participated

including the block officials. During this meeting they discussed the benefits of SHG, what is the

process of bank loan and repayment. We were clearly told that bank loan is cheaper than the

loan provided by moneylender. The bank loan can be repaid in easy instalments. This motivated

me to join the group. I did not want to remain dependent on moneylenders for my entire life.

Two members of my SHG were misled by their relatives and they left the group. Even some other

members were on the verge of leaving the group but we discussed and clarified that this is an

effort to fails us. Since that day till today my SHG is functioning well. We had to struggle a lot to

open our bank account. This was again a point where we thought to disband our SHG.

Often there were some conflicts within SHG with respect to bearing the cost of bank visits and

trainings but we never lost hope. Today each one of us feels that we took correct decision to

continue with SHG. 17

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Usha Devi is from backward caste. SHG has

enabled her to reduce her dependence on

moneylenders. The group has been able to

get a financial assistance from bank through

which she initiated her livelihoods. The

group has been instrumental in enhancing

literacy levels of its members

Today, it has been a turnaround, I take small loans from SHG and repay in easy instalments. My

interest is with my SHG. It does not go to anyone else, which increases our fund. We utilise this

fund in times of need.

We took a loan of Rs 4.0 lakh and all of us bought buffaloes and sold milk. This gave me some

income, which enabled me to meet my household's expenses. I first sold my milk to local

milkman but he did not give me fare prices. Now I sell my milk to dairy on fat basis. My SHG

member, Malti has bought a pump set by a loan from SHG. Earlier only three members were

able to do signature now all the members of SHG have learned to do signatures, which has given

us lot of confidence.

18

Rajkumari


Name of SHG :

Village :

Block :

District :

Rajkumari

Mahila Self Help Group

Dharmapur

Mihanpurva

Behraich

My village does not have adequate access and means

of transportation. This creates hindrances in going to

market, offices and hospitals. The major transport is a

railway which is located some 3-4km from village in

the midst of forest. The way to railway station is non-

metalled road with risk of wild animals and thieves.

My social and economic living standard was quite

poor. I had to always look towards other households in

the village to meet my small & meagre needs. I would

get loans at exorbitant rates of interest some would

charge up to 5 per cent per month. Even if, I repay the

loan I would not get respect and often I would not get

loan at the time of need. I had little knowledge about

banks and felt scared going to banks. Before joining

SHG, I used to think that I will never get out of

poverty. I was born poor and will die as poor.

Once I joined SHG, lot of rumours started circulating within the village like project people will

run away with your savings! You will not get any support from government programme! If you

took loan from bank your land and house will get confesticated. You will not be able to do

anything and so on. But without heeding to these rumours, I continued to attend SHG meetings.

Even after the formation of SHG, the road ahead was full of challenges. First challenge was to

open the bank account. To open the SHG bank account, I had to visit bank several times, which is

located some 13 kms away from our village and is across the forest. The bank was not ready to

open our bank account as we didn't have adequate identity cards. The identity cards, which we

had, were not being recognised by bank. This led to several visits to bank and I almost got de-

motivated.

19

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Rajkumari is a native of Dharamur village.

Despite the adversaries of being from a

marginalized community and residing in

an isolated village, she never let the ray of

hope for her economic freedom. She

pursued her dream of being self

employed and bought a sewing machine

through financial assistance from SHG.

She now enjoys respect from her family.

I wanted to be self employed but I didn't have the money to start it. I took a loan from savings of

SHG. I bought a sewing machine and commenced stitching work. I also taught other members of

SHG how to stitch.

We have a saving of Rs 28000/- in our group, which helps us to meet our needs. We have also got

Cash Credit Linkage from bank of Rs 25000/- which further enabled us to meet our raw material

and procurement needs. Today I am more confident. I constantly think of increasing our savings.

As woman, I have been able to overcome barriers. I have gained respect in my family. I don't have

to look towards anyone for credit anymore. This has opened lot of opportunities for me. Now if I

am in need of money or credit to start any business, I can take loan from SHG or Bank.

20

Kamla Devi


Name of SHG :

Village :

Block :

District :

Kamla Devi

Dildar Mahila Self Help Group

Bahadur Nagar

Bachrava

Raebareli

SHG has brought about a turnaround in my life. Earlier

we didn't have much money. My husband didn't go to

work and income from agriculture was meagre. It was

difficult for me to visualise becoming part of SHG, as I

didn't have much to save. I would often think from

“where I will bring money to regularly save in SHG

meetings. What my group members will think of me if I

was not able to deposit saving amount. I was able to

overcome this dilemma with the support of our group

facilitator. Who told me that the group must decide on

such a saving amount, which the poorest member can

easily save. We arrived at the decision to save Rs 10 per

month, which I was easily able to do.

I first took a small loan of Rs 500 to buy good quality

tomato seeds. Through tomato cultivation our family

earned a profit of Rs 5000/- We were very happy with this

experience. Then I took second loan of Rs 5000/- for doing

peppermint cultivation. This time we had a earning of Rs

50000/-. Our family was thrilled. We were easily able to repay this money to SHG.

This turnaround is not only for me but for our group member too. My SHG member Choti

Ramrati lost her husband in accident. She was left with a responsibility of taking care of

children including the responsibility of two grown up daughters. She was worried about their

marriage. She had eight biswa of land and had to work as agriculture labourer on others fields.

Being a woman she was underpaid, which was not enough to feed her family. She considered her

priority first to marry her daughters respectably. She was able to marry her two daughters

through financial assistance from SHG.

We all have been able to do something for our families. I was finally able to release our

mortgaged land. Since, I have joined SHG. I don't have to look towards anyone for giving me

credit. I don't have to depend on relatives or feel embarrassed, while asking for money. I have

been able to overcome my economic hardships. I am now trying to give better things to our

children. I feel good whenever he says that you have supported me a lot in life.

21

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Kamla devi from the brink of earning

meager income has made investments

into tomato cultivation. She ardently

makes small savings in SHG. She serves

as an inspiration for other women in

her village. With financial assistance

from SHG she initiated peppermint

cultivation, which enhanced her

income. The enhanced income

enabled her to release her mortgage

land.

Rabri Devi


Name of SHG :

Village :

Block :

District :

Rabri Devi

Mohan Self Help Group

Jungle Katai

Gauri Bazar

Deoria

I had a mud houses with no toilets. I was almost

landless. My household income depended on seasonal

labour. Before joining SHG, I had to borrow money from

moneylenders for marriage, sickness and other

household needs on high interest rates.

I was told that an SHG should have 10-15 members.

SHG will get bank loans at low rate of interest. The

project will give financial assistance to SHG. But at the

same time some villagers started talking that “they will

run away with your money”. Some were saying that “if I

was not able to repay the bank loan. The bank in turn

will take away our little belongings”. However the

constant motivation by our facilitator motivated me and

then I motivated other households to form SHG.

I faced lot of difficulties in opening the bank account. I

had never visited bank earlier. The filling of forms and

understanding the procedure to open bank account was painstaking. My regular bank visits to

do transaction was again cumbersome. Even maintaining the books of SHG was difficult. We

had to call a local book keeper who would charge Rs 50 to Rs 100 in the name of petrol charges.

Gradually, I did understand the importance of my savings. I took loan from SHG savings and

invested in activities which gave us income. Some of my SHG members bought goats. Some

bought a calf out of SHG loan. I opened up a small shop in the village. I earn Rs 50 to Rs 100 daily

from my shop.

I feel that not only I got economic benefit but SHG has contributed in building my confidence. I

can now easily talk to officials. I don't hesitate to speak before males and my husband now listen

to my opinions. He also seeks support from me whenever he is in need of money. This is not the

end for me rather it has just begun for me.

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It is another reveling narrative from

Rabri Devi. She hails from the most

downtrodden section of our society.

She was almost landless. She has been

able to rebuild her tattered life

through savings in SHG. SHG has

enabled her to earn respect and build

her conf idence to foster her

livelihoods. She now easily interacts

with bank and government officials

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