hdfc sl insurance co

8/14/2019 hdfc sl insurance co.

1/77


2/77

QSF@OHF

]ef jbcfsojb{o}bid i` }ef Bdmbod bdxvsodhf xfh}is eox cffd }ef xvckfh} i` gvhe efo}fm mfco}f ìs

xigf rfosx$ ]ef qijbhr golfsx ~efsf bd }ef ho}he 33 xb}vo}bid ~efsfbd ìs idf }efr ~od}fm

higqf}b}bid* mfpfjiqgfd} odm nsi~}e i` }ebx bdxvsodhf xfh}is ~ebhe bx fu}sfgfjr fxxfd}boj ìs

heoddfjbdn }ef bdpfx}gfd}x bd }i }ef bd`sox}svh}vsf xfh}is$ O} }ef i}efs fdm }ef qijbhr golfsx eom }ef

`fosx }eo} }ef bdxvsodhf qsfgbvg* ~ebhe osf xvcx}od}boj* ~ivjm xffq iv} i` }ef hivd}sr< odm ~od}fm

}i eopf o hov}bivx oqqsiohe i` iqfdbdn ìs ìsfbnd qos}bhbqo}bid bd }ef xfh}is$

Ox idf i` }ef sosf ihhvssfdhfx }ef fd}bsf mfco}f ~ox qv} id }ef cohl cvsdfs odm }ef BSMO xo~ }ef

mor i` }ef jbne} }eodlx }i }ef go}vsbdn qijb}r fgfsnbdn hidxfdxvx ogidn òh}bidx i` mb``fsfd}

qijb}bhoj qos}bfx$ ]eivne xigf heodnfx odm xigf sfx}sbh}bpf hjovxfx ox sfnosmx }i }ef ìsfbnd

qos}bhbqo}bid ~fsf bdhjvmfm }ef BSMO eox iqfdfm }ef miisx ìs }ef qsbpo}f fd}sr bd}i bdxvsodhf$

êf}efs }ef bdxvsfs bx ijm is df~* qsbpo}f is qvcjbh* fuqodmbdn }ef goslf} ~bjj qsfxfd} gvj}b}vmf i`

heojjfdnfx odm iqqis}vdb}bfx$ Cv} }ef lfr bxxvfx* qixxbcjf }sfdmx* iqqis}vdb}bfx odm heojjfdnfx }eo}

bdxvsodhf xfh}is ~bjj eopf x}bjj sfgobdx vdmfs }ef sfojgx i` }ef qixxbcbjb}bfx odm xqfhvjo}bid$ êo} bx

}ef jblfjr bgqoh} i` iqfdbdn vq Bdmbox bdxvsodhf xfh}is9

]ef josnf xhojf i` iqfso}bidx* qvcjbh xfh}is cvsfovhsohbfx odm hvgcfsxigf qsihfmvsfx eogqfsx

do}bidojb{fm bdxvsfsx$ ]efsfìsf* qi}fd}boj qsbpo}f fd}sod}x fuqfh} }i xhisf bd }ef osfox i` hvx}igfsxfspbhf* xqffm odm `jfubcbjb}r$ ]efr qibd} iv} }eo} }efbs fd}sr ~bjj gfod cf}}fs qsimvh}x odm heibhf ìs

}ef hidxvgfs$ ]ef hsb}bhx hivd}fs }eo} }ef cfdf`b} ~bjj cf xjbg* cfhovxf df~ qjorfsx ~bjj hidhfd}so}f

id o``jvfd}* vscod hvx}igfsx ox ìsfbnd codlx mbm vd}bj sfhfd}jr$ ]ebx xffgx }i cf o jinbhoj x}so}fnr$

X}os}'vq hix}x'xvhe ox }eixf i` xf}}bdn vq o hidpfd}bidoj mbx}sbcv}bid df}~isl'osf josnf odm ebne'fdm

dbhefx i``fs cf}}fs sf}vsdx$ Ei~fpfs* }ef gbmmjf'goslf} xfngfd} }ii eox nsfo} qi}fd}boj$ Xbdhf

bdxvsodhf bx o pijvgfx nogf$ ]efsfìsf* qsbpo}f bdxvsfsx ~ivjm cf cfx} xfspfm cr o gbmmjf'goslf}

oqqsiohe* }osnf}bdn hvx}igfs xfngfd}x }eo} osf hvssfd}jr vd}oqqfm$


3/77

HID]FD]X

Hfs}b`bho}fMfhjoso}bid

Ohldi~jfmnfgfd}

Qsf`ohf

FUFHV]BPF XVGGOSR

Bd }imorx hisqiso}f odm higqf}b}bpf ~isjm* B `bdm }eo} bdxvsodhf xfh}is eox }ef goubgvg nsi~}e

odm qi}fd}boj ox higqosfm }i }ef i}efs xfh}isx$ Bdxvsodhf eox }ef goubgvg nsi~}e so}f i` >1'51&

~ebjf ox @GHN xfh}is eox goubgvg ?3'?6& i` nsi~}e so}f$ ]ebx nsi~}e qi}fd}boj o}}soh}x gf }i

fd}fs bd }ebx xfh}is odm EM@H X}odmosm Jb`f Bdxvsodhf Higqodr J}m eox nbpfd gf }ef

iqqis}vdb}r }i ~isl odm nf} fuqfsbfdhf bd ebnejr higqf}b}bpf odm fdeodhbdn xfh}is$

]ef xvhhfxx x}isr i` niim goslf} xeosf i` mb``fsfd} goslf} isnodb{o}bidx mfqfdmx vqid }ef

opobjocbjb}r i` }ef qsimvh} odm xfspbhfx dfos }i }ef hvx}igfs* ~ebhe hod cf mbx}sbcv}fm

}esivne o mbx}sbcv}bid heoddfj$ Bd Bdxvsodhf xfh}is* mbx}sbcv}bid heoddfj bdhjvmfx idjr onfd}x

HEOQ]FS Di$ MFXHSBQ]BID QONF DI$

Fufhv}bpf Xvggosr

? Bd}simvh}bid }i Bdxvsodhf Bdmvx}sr

3 Higqodr Qsi`bjf

8 Bd}simvh}bid }i X}vmr

Hvx}igfs Cvrbdn Cfeopbivs bd

Jb`f Bdxvsodhf Bdmvx}sr

= Ickfh}bpf i` ]ef X}vmr

6 Sfxfoshe Gf}eimijinr

0 Mo}o Odojrxbx Odm Bd}fsqsf}o}bid

> Jbgb}o}bidx Odm Sfhiggfdmo}bidx

5 Hidhjvxbid

Cbcjbinsoqer

Oddfuvsf

_vfx}biddobsf


4/77


5/77

HEOQ]FS ?

BD]SIMVH]BID

]I BDXVSODHF BDMVX]SR

BD]SIMVH]BID

]I BDXVSODHF


6/77

BDXVSODHF;'

Bdxvsodhf qsipbmfx `bdodhboj qsi}fh}bid onobdx} o jixx osbxbdn iv} i` eoqqfdbdn i` od vdhfs}obd fpfd}

O qfsxid hod opobj }ebx qsi}fh}bid cr qorbdn qsfgbvg }i od bdxvsodhf higqodr$

O qiij bx hsfo}fm }esivne hid}sbcv}bidx gomf cr qfsxidx xfflbdn }i qsi}fh} }efgxfjpfx `sig

higgid sbxl$ Qsfgbvg bx hijjfh}fm cr bdxvsodhf higqodbfx ~ebhe ojxi oh} ox }svx}ff }i }ef qiijOdr jixx }i }ef bdxvsfm bd hoxf i` eoqqfdbdn i` od vdhfs}obd fpfd} bx

qobm iv} i` }ebx qiij$

Bdxvsodhf ~islx id }ef coxbh qsbdhbqjf i` sbxl'xeosbdn$ O nsfo} ompod}onf i` bdxvsodhf bx }eo} b}

xqsfomx }ef sbxl i` o `f~ qfiqjf ipfs o josnf nsivq i` qfiqjf fuqixfm }i sbxl i` xbgbjos }rqf$

MF@BDB]BID;'

Bdxvsodhf bx o hid}soh} cf}~ffd }~i qos}bfx ~efsfcr idf qos}r onsffx

}i vdmfs}olf }ef sbxl i` odi}efs bd fuheodnf ìs hidxbmfso}bid ldi~d ox qsfgbvg odm qsigbxfx }i

qor o `bufm xvg i` gidfr }i }ef i}efs qos}r id eoqqfdbdn i` od vdhfs}obd fpfd} %mfo}e" is o`}fs }ef

fuqbsr i` o hfs}obd qfsbim bd hoxf i`jb`f bdxvsodhf is }i bdmfgdb`r }ef i}efs qos}r id eoqqfdbdn i` od

vdhfs}obd fpfd} bd hoxf i`nfdfsoj bdxvsodhf$

]ef qos}r cfosbdn }ef sbxl bx ldi~d ox }ef .bdxvsfs. odm }ef qos}r ~eixf sbxl bx hipfsfm bx ldi~d ox

}ef .bdxvsfm. is .oxxvsfm.$

Fpfsridf }eo} ~od}x }i qsi}fh} }efgxfjpfx is xigfidf fjxf onobdx} `bdodhboj eosmxebq xeivjm

hidxbmfs bdxvsodhf$ ]ebx gor bdhjvmf;

Qsi}fh}bdn ògbjr o`}fs idf.x mfo}e `sig jixx i` bdhigf

Fdxvsbdn mfc} sfqorgfd} o`}fs mfo}e

Hipfsbdn hid}bdnfd} jbocbjb}bfx

Qsi}fh}bdn onobdx} }ef mfo}e i` o lfr fgqjirff is qfsxid bd rivs cvxbdfxx

Cvrbdn iv} o qos}dfs is hi'xeosfeijmfs o`}fs ebx is efs mfo}e

Qsi}fh}bdn rivs cvxbdfxx `sig cvxbdfxx bd}fssvq}bid odm jixx i` bdhigf

Qsi}fh}bdn rivsxfj` onobdx} vdìsfxffocjf efoj}e fuqfdxfx

Qsi}fh}bdn rivs eigf onobdx} }ef`}* `bsf* `jiim odm i}efs eo{osmx

Qsi}fh}bdn rivsxfj` onobdx} jo~xvb}x
http://www.appuonline.com/insurance/basics.htmlhttp://www.appuonline.com/insurance/basics.htmlhttp://www.appuonline.com/insurance/basics.htmlhttp://www.appuonline.com/insurance/basics.htmlhttp://www.appuonline.com/insurance/basics.htmlhttp://www.appuonline.com/insurance/basics.htmlhttp://www.appuonline.com/insurance/basics.htmlhttp://www.appuonline.com/insurance/basics.html


7/77

Qsi}fh}bdn rivsxfj` bd }ef fpfd} i` mbxocbjb}r

Qsi}fh}bdn rivs hos onobdx} }ef`} is jixxfx bdhvssfm cfhovxf i` ohhbmfd}x

Odm godr gisf

HIDHFQ] I@ BDXVSODHF ) EI^ BDXVSODHF ÎSLX

Bdxvsodhf ~islx cr qiijbdn sbxl$ êo} mifx }ebx gfod9 B} xbgqjr gfodx }eo} o josnf nsivq i` qfiqjf

~ei ~od} }i bdxvsf onobdx} o qos}bhvjos jixx qor }efbs qsfgbvgx bd}i ~eo} ~f ~bjj hojj }ef bdxvsodhf

cvhlf}* is qiij$ Cfhovxf }ef dvgcfs i` bdxvsfm bdmbpbmvojx bx xi josnf* bdxvsodhf higqodbfx hod vxf

x}o}bx}bhoj odojrxbx }i qsikfh} ~eo} }efbs oh}voj jixxfx ~bjj cf ~b}ebd }ef nbpfd hjoxx$ ]efr ldi~ }eo}

di} ojj bdxvsfm bdmbpbmvojx ~bjj xv``fs jixxfx o} }ef xogf }bgf is o} ojj$ ]ebx ojji~x }ef bdxvsodhf

higqodbfx }i iqfso}f qsi`b}ocjr odm o} }ef xogf }bgf qor ìs hjobgx }eo} gor osbxf$ @is bdx}odhf*

gix} qfiqjf eopf ov}i bdxvsodhf cv} idjr o `f~ oh}vojjr nf} bd}i od ohhbmfd}$ Riv qor ìs }efqsicocbjb}r i` }ef jixx odm ìs }ef qsi}fh}bid }eo} riv ~bjj cf qobm ìs jixxfx bd }ef fpfd} }efr ihhvs$

HJOXXB@BHO]BID I@ BDXVSODHF;

Bdxvsodhf bx coxbhojjr hjoxxb`bfm bd}i }~i ho}fnisbfx$

%?" Jb`f Bdxvsodhf

%3" Nfdfsoj Bdxvsodhf

JB@F BDXVSODHF;

]ebx bx qsipbmfm ìs }ef qorgfd} i` xvg gidfr id

}ef mfo}e i` }ef bdxvsfm qfsxid mvf }i do}vsoj hovxfx

is id }ef fuqbsr i` o hfs}obd dvgcfs i` rfosx b` }ef

bdxvsfm qfsxid bx }efd ojbpf$ Mfo}e odm jb`f dfb}efs i`


8/77

}efg hod cf higqfdxo}fm$ Jb`f bdxvsodhf obgx }i higqfdxo}f }ef Bdhigf Fosdbdn Hoqohb}r i` }ef

qfsxid$

Fpfd}x hipfsfm bd Jb`f Bdxvsodhf;

Bd Jb`f Bdxvsodhf* bdhigf fosdbdn hoqohb}r i` }ef qfsxid bx hipfsfm$ ]ef jixx i` }ef bdhigf fosdbdn

hoqohb}r hod cf id }ef eoqqfdbdn i` }ef `ijji~bdn fpfd}x ~efd }ef jb`f bx oxxvsfm$

?$ Mfo}e$

3$ Xbhldfxx %hsb}bhoj bjjdfxx"$

8$ Ohhbmfd} %Mfo}e is qfsgodfd} mbxocbjb}r mvf }i ohhbmfd}"$

=$ Sf}bsfgfd}$

NFDFSOJ BDXVSODHF;

Bdxvsodhf i}efs }eod jb`f `ojj vdmfs nfdfsoj bdxvsodhf$ B} hipfsx jixx i` fpfsr i}efs qerxbhoj is did'

qixxfxxbid$ ]ef jixx gor cf mvf }i `bsf* }ef`}* ohhbmfd} f}h$ }ef nfdfsoj bdxvsodhf bx `vs}efs hjoxxb`bfm

bd}i'

@bsf bdxvsodhf;

B} hipfsx gipocjf odm bggipocjf qsiqfsjr eopbdn

gidf}osr pojvf$ B} hipfsx }ef jixx is mogonf }i

bdxvsfm qsiqfs}r cr xqfhb`bh qfsbjx


9/77

ìs fuogqjf; mogonf i` qsiqfs}r bd godvòh}vsbdn qsfgbxfx mvf }i `bsf gor sfxvj} bd }i}oj is qos}boj

x}iqqonf i` qsimvh}bid qsihfxx jfombdn }i jixx i`

qsi`b}x$ Xvhe jixx i` qsi`b} hod cf hipfsfm vdmf

bdxvsodhf qijbhr$

Gosbdf Bdxvsodhf;

B} bx i` }ef ijmfx} csodhefx i` }ef bdxvsodhf$ B} qjorx

o xbndb bhod} sijf bd ci}e odm bd}fsdoj odm

bd}fsdo}bidoj }somf$ ]ef bdxvsfsx vdmfs}olf }i

bdmfgdb`r }ef bdxvsfm onobdx} }ef jixxfx ihhvs

mvsbdn }sodxb} cr sobj* siom* xfo is obs$

Eigf Bdxvsodhf

Eigf bdxvsodhf qsipbmfx higqfdxo}bid ìs mogonf is

mfx}svh}bid i` o eigf `sig mbxox}fsx$ Bd xigf

nfinsoqebhoj osfox* }ef x}odmosm bdxvsodhfx fuhjvmfx

hfs}obd }rqfx i` mbxox}fsx* xvhe ox `jiim odm

fos}evolfx* }eo} sfvbsf ommb}bidoj hipfsonf

Gobd}fdodhf'sfjo}fm qsicjfgx osf }ef eigfi~dfsx

sfxqidxbcbjb}r$ ]ef qijbhr gor bdhjvmf bdpfd}isr* is

}ebx hod cf civne} ox o xfqoso}f qijbhr* fxqfhbojjr ìs

qfiqjf ~ei sfd} eivxbdn$ Bd xigf hivd}sbfx*


10/77

bdxvsfsx i``fs o qohlonf ~ebhe gor bdhjvmf jbocbjb}r odm jfnoj sfxqidxbcbjb}r ìs bdkvsbfx odm

qsiqfs}r mogonf hovxfm

cr gfgcfsx i` eivxfeijm$

Gbxhfjjodfivx Bdxvsodhf;

Bdxvsodhf }eo} }olfx i}efs `bsf odm gosbdf bx ldi~d ox gbxhfjjodfivx bdxvsodhf$ B} bx hipfsfm vdmfs}ef xfpfsoj hjoxxfx i` ~ebhe gi}is bdxvsodhf* qsiqfs}r* hsfmb}* ov}igicbjf* cvsnjosr bdxvsodhf* ho}}jf

odm hsiq bdxvsodhf osf gix} bgqis}od}$

BDXVSODHF OX BDPFX]GFD];

Bdxvsodhf qjodx osf }ef cfx} xfjjbdn jb`f bdxvsodhf

qsimvh} bd }ef hivd}sr$ ]ebx xbdnjf òh} xorx o ji} ociv} ei~

gix} Bdmbodx ~ei nf} bdpfx}gfd} qjodx }i nf} }efbs jbpfx

bdxvsfm* xopf id }ou cvbjm o sf}bsfgfd} hisqvx odm `vdm }efbs

hebjmsfdx fmvho}bid* ogidn i}efs }ebdnx$

Bdxvsodhf qjodx i``fsx niim pojvf }i dipbhf

bdpfx}gfd} odm }eixf ~b}e o ji~ oqqf}b}f ìs sbxl$ ]efr


11/77

ìshf }ef eocb} i` sfnvjos xopbdn odm efjq }i hsfo}f `vdmx ìs jbpfx* godr `bdodhboj niojx< odm vdjblf

~b}e gv}voj `vdmx id x}ihlx* }efsf bx di sbxl i` hoqb}oj fsixbid$ Cv} }efsf bx o

qsbhf riv qor ìs xvhe hfs}obd}r< ji~ sf}vsdx$

]OU' CFDF@B]X;

Idf i` }ef xfpfsoj sfoxidx nbpfd }i cvr jb`f bdxvsodhf bx }i xopf id }ou$ B}x }svf }eo} }efsf osffu}sfgfjr nfdfsivx }ou csfolx }i cf opibmfm i` jb`f bdxvsodhf*

QSFGBVGX;

@is }ef xojosbfx* }ef sfco}f vdmfs xfh}bid 55 i` }ef bdhigf }ou oh} bx od f``fh}bpf ~or }i ji~fs

}ou sfco}fx vdmfs }ebx xfh}bid* ojidn ~b}e bdpfx}gfd}x ~b}e i}efs bdx}svgfd}x jblf QQ@ odm DXH$

Di}f; b` riv hjobg o sfco}f id bdpfx}gfd} bd bdxvsodhf cv} ~b}emso~ `sig b} ~b}e bd 3 rfosx* }ef

sfco}f hjobgx ~bjj cf mffgfm ox }ou qorocjf* }ef ogivd} i` }ou sfco}f }eo} hod hjobg vdmfs xfh}bid

55 bd o rfos id }ef bdhigf }eo} rfos$

BDMBOD BDXVSODHF BDMVX]SR

OD IPFSPBF^

]ef Bdxvsodhf xfh}is bd Bdmbo nipfsdfm cr Bdxvsodhf Oh}* ?285* }ef Jb`f Bdxvsodhf Hisqiso}bid Oh}

?260 odm Nfdfsoj Bdxvsodhf Cvxbdfxx %Do}bidojbxo}bid" Oh}* ?2>3* Bdxvsodhf Sfnvjo}isr odm

Mfpfjiqgfd} Ov}eisb}r %BSMO" Oh}* ?222 odm i}efs sfjo}fm Oh}x$ ^b}e xvhe o josnf qiqvjo}bid odm

}ef vd}oqqfm goslf} osfo i` }ebx qiqvjo}bid Bdxvsodhf eoqqfdx }i cf o pfsr cbn iqqis}vdb}r bd Bdmbo$

]imor b} x}odmx ox o cvxbdfxx nsi~bdn o} }ef so}f i` ?6'31 qfs hfd} oddvojjr$ ]inf}efs ~b}e codlbdn

xfspbhfx* b} ommx ociv} > qfs hfd} }i }ef hivd}srx NMQ $Bd xqb}f i` ojj }ebx nsi~}e }ef x}o}bx}bhx i` }ef


12/77

qfdf}so}bid i` }ef bdxvsodhf bd }ef hivd}sr bx pfsr qiis$ Dfosjr 51& i` Bdmbod qiqvjo}bidx osf

~b}eiv} Jb`f bdxvsodhf hipfs odm }ef Efoj}e bdxvsodhf$ ]ebx bx od bdmbho}is }eo} nsi~}e qi}fd}boj ìs

}ef bdxvsodhf xfh}is bx bggfdxf bd Bdmbo$ B} ~ox mvf }i }ebx bggfdxf nsi~}e }eo} }ef sfnvjo}bidx ~fsf

bd}simvhfm bd }ef bdxvsodhf xfh}is odm bd hid}bdvo}bid Gojei}soHiggb}}ff ~ox hidx}b}v}fm cr

}ef nipfsdgfd} bd ?228 }i fuogbdf }ef posbivx oxqfh}x i` }ef bdmvx}sr$ ]ef lfr fjfgfd} i` }ef

sfìsg qsihfxx ~ox Qos}bhbqo}bid i` ipfsxfox bdxvsodhf higqodbfx ~b}e 30& hoqb}oj$ Hsfo}bdn o gisff``bhbfd} odm higqf}b}bpf `bdodhboj xrx}fg xvb}ocjf ìs }ef sfvbsfgfd}x i` }ef fhidigr ~ox }ef gobd

bmfo cfebdm }ebx sfìsg$

Xbdhf }efd }ef bdxvsodhf bdmvx}sr eox nidf }esivne godr xfo heodnfx $]ef higqf}b}bid JBH x}os}fm

òhbdn `sig }efxf higqodbfx ~fsf }esfo}fdbdn }i }ef fubx}fdhf i` JBH $xbdhf }ef jbcfsojb{o}bid i` }ef

bdmvx}sr }ef bdxvsodhf bdmvx}sr eox dfpfs jiilfm cohl odm }imor x}odm ox }ef idf i` }ef gix}

higqf}b}bpf odm fuqjisbdn bdmvx}sr bd Bdmbo$ ]ef fd}sr i` }ef qsbpo}f qjorfsx odm }ef bdhsfoxfm vxf i`

}ef df~ mbx}sbcv}bid osf bd }ef jbgfjbne} }imor$ ]ef vxf i` df~ mbx}sbcv}bid }fhedbvfx odm }ef B]

}iijx eox bdhsfoxfm }ef xhiqf i` }ef bdmvx}sr bd }ef jidnfs svd$

BDMBOD BDXVSODHF GOSLF] EBX]ISR

JB@F BDXVSODHF;

Bd ?5?5 }ef Csb}bxe fx}ocjbxefm }ef `bsx} bdxvsodhf higqodr bd Bdmbo bd Hojhv}}o* }ef

Isbfd}oj Jb`f Bdxvsodhf Higqodr$ @bsx} o}}fgq}x o} sfnvjo}bid i` }ef bdmvx}sr ~fsf gomf ~b}e }ef

bd}simvh}bid i` }ef Bdmbod Jb`f Oxxvsodhf Higqodbfx Oh} bd ?2?3$ O dvgcfs i` ogfdmgfd}x }i }ebx

Oh} ~fsf gomf vd}bj }ef Bdxvsodhf Oh} ~ox mso~d vq bd ?285$ Di}f~is}er `fo}vsfx bd }ef Oh} ~fsf

}ef qi~fs nbpfd }i }ef Nipfsdgfd} }i hijjfh} x}o}bx}bhoj bdìsgo}bid ociv} }ef bdxvsfm odm }ef ebne


13/77

jfpfj i` qsi}fh}bid }ef Oh} nopf }i }ef qvcjbh }esivne sfnvjo}bid odm hid}sij$ êfd }ef Oh} ~ox

heodnfm bd ?261* }ebx gfod} òs sfohebdn heodnfx bd }ef bdmvx}sr$ ]ef fu}so sfvbsfgfd}x bdhjvmfm o

x}o}v}isr sfvbsfgfd} i` o hfs}obd jfpfj i` fvb}r hoqb}oj* o hfbjbdn id xeosf eijmbdnx bd xvhe

higqodbfx }i qsfpfd} migbdod} hid}sij %}i qsi}fh} }ef qvcjbh `sig odr ompfsxosboj qijbhbfx `sig idf

xbdnjf qos}r"* x}sbh}fs hid}sij id bdpfx}gfd}x odm* nfdfsojjr* gvhe }bne}fs hid}sij$ Bd ?260* }ef

goslf} hid}obdfm ?6= Bdmbod odm ?0 ìsfbnd jb`f bdxvsodhf higqodbfx$ Cvxbdfxx ~ox efopbjrhidhfd}so}fm bd vscod osfox odm }osnf}fm }ef ebnefs fhefjidx i` xihbf}r$ Vdf}ebhoj qsoh}bhfx omiq}fm

cr xigf i` }ef qjorfsx onobdx} }ef bd}fsfx}x i` }ef hidxvgfsx }efd jfm }ef Bdmbod nipfsdgfd} }i

do}bidojb{f }ef bdmvx}sr$ Bd Xfq}fgcfs ?260* do}bidojb{o}bid ~ox higqjf}fm* gfsnbdn ojj }efxf

higqodbfx bd}i }ef xi'hojjfm Jb`f Bdxvsodhf Hisqiso}bid %JBH"$ B} ~ox `fj} }eo} do}bidojb{o}bid eox

jfd} }ef bdmvx}sr òbsdfxx* xijbmb}r* nsi~}e odm sfohe$

Xigf i` }ef bgqis}od} gbjfx}idfx bd }ef jb`f bdxvsodhf cvxbdfxx bd Bdmbo osf;

?2?3; ]ef Bdmbod Jb`f Oxxvsodhf Higqodbfx Oh} fdoh}fm ox }ef `bsx} x}o}v}f }i sfnvjo}f }ef jb`f

bdxvsodhf cvxbdfxx$

?235; ]ef Bdmbod Bdxvsodhf Higqodbfx Oh} fdoh}fm }i fdocjf }ef nipfsdgfd} }i hijjfh} x}o}bx}bhoj

bdìsgo}bid ociv} ci}e jb`f odm did'jb`f bdxvsodhf cvxbdfxxfx$

?285; Fosjbfs jfnbxjo}bid hidxijbmo}fm odm ogfdmfm }i cr }ef Bdxvsodhf Oh} ~b}e }ef ickfh}bpf i`

qsi}fh}bdn }ef bd}fsfx}x i` }ef bdxvsbdn qvcjbh$

?260; ]ef goslf} hid}obdfm ?6= Bdmbod odm ?0 ìsfbnd jb`f bdxvsodhf higqodbfx$

NFDFSOJ BDXVSODHF;

]ef Nfdfsoj Bdxvsodhf bdmvx}sr bd Bdmbo mo}fx cohl }i }ef Bdmvx}sboj Sfpijv}bid odm }ef xvcxfvfd}

bdhsfoxf bd }somf ohsixx }ef ihfodx bd }ef ?>}e hfd}vsr$ Ox ìs Jb`f Bdxvsodhf* }ef Csb}bxe csivne}

Nfdfsoj Bdxvsodhf }i Bdmbo* odm o xbgbjos qo}e ~ox ìjji~fm bd }ef mfpfjiqgfd} i` }ebx bdmvx}sr$ O

dvgcfs i` qsbpo}f higqodbfx ~fsf bd fubx}fdhf ìs rfosx odm rfosx vd}bj* bd ?2>?* }ef Bdmbod

Nipfsdgfd} mfhbmfm }eo} }ef qvcjbh bd}fsfx} ~ivjm cf xfspfm cr do}bidojb{bdn }ef bdmvx}sr* gfsnbdn

ojj }ef ?1> higqodbfx bd}i ìvs higqodbfx* mfqfdmbdn id }ef xis} i` cvxbdfxx }sodxoh}fm %Gosbdf

@bsf* Gbxhfjjodfivx"$ ]efxf ~fsf }ef Do}bidoj Bdxvsodhf Higqodr J}m$* }ef Isbfd}oj Bdxvsodhf

Higqodr J}m$* }ef Df~ Bdmbo Oxxvsodhf Higqodr J}m$* odm }ef Vdb}fm Bdmbo Bdxvsodhf Higqodr

J}m$ jiho}fm bd Hojhv}}o* Df~ Mfjeb* Cigcor odm Gomsox sfxqfh}bpfjr$ ]ef Nfdfsoj Bdxvsodhf

Hisqiso}bid %NBH" ~ox xf} vq bd ?2>3 ox o eijmbdn higqodr* eopbdn }efxf ìvs higqodbfx ox b}x

xvcxbmbosbfx$


14/77

Xigf i` }ef bgqis}od} gbjfx}idfx bd }ef nfdfsoj bdxvsodhf cvxbdfxx bd Bdmbo osf;

?21>; ]ef Bdmbod Gfshod}bjf Bdxvsodhf J}m$ xf} vq* }ef `bsx} higqodr }i }sodxoh} ojj hjoxxfx i`

nfdfsoj bdxvsodhf cvxbdfxx$

?26>; Nfdfsoj Bdxvsodhf Hivdhbj* o ~bdn i` }ef Bdxvsodhf Oxxihbo}bid i` Bdmbo* `sogfx o himf i`

hidmvh} ìs fdxvsbdn òbs hidmvh} odm xivdm cvxbdfxx qsoh}bhfx$

?205; ]ef Bdxvsodhf Oh} ogfdmfm }i sfnvjo}f bdpfx}gfd}x odm xf} gbdbgvg xijpfdhr gosnbdx odm

}ef ]osb`` Ompbxisr Higgb}}ff xf} vq$

?2>3; ]ef Nfdfsoj Bdxvsodhf Cvxbdfxx %Do}bidojb{o}bid" Oh}* ?2>3 do}bidojb{f }ef nfdfsoj bdxvsodhf

cvxbdfxx bd Bdmbo ~b}e f``fh} `sig ?x} Kodvosr ?2>8$ ?1> bdxvsfsx ogojnogo}fm odm nsivqfm bd}i ìvs

higqodbfx pb{$ }ef Do}bidoj Bdxvsodhf Higqodr J}m$* }ef Df~ Bdmbo Oxxvsodhf Higqodr J}m$

}ef Isbfd}oj Bdxvsodhf Higqodr J}m$ odm }ef Vdb}fm Bdmbo Bdxvsodhf Higqodr J}m $ NBH

bdhisqiso}fm ox o higqodr$

BDMBOD BDXVSODHF XFH]IS SF@ISG

@isgo}bid i` }ef Gojei}so Higgb}}ff bd ?228 bdb}bo}fm sfìsgx bd }ef Bdmbod bdxvsodhf xfh}is$ ]ef

obg i` }ef Gojei}so Higgb}}ff ~ox }i oxxfxx }ef `vdh}bidojb}r i` }ef Bdmbod bdxvsodhf xfh}is$ ]ebxhiggb}}ff ~ox ojxi bd heosnf i` sfhiggfdmbdn }ef `v}vsf qo}e i` bdxvsodhf bd Bdmbo$

]ef Gojei}so Higgb}}ff o}}fgq}fm }i bgqsipf posbivx oxqfh}x i` }ef bdxvsodhf xfh}is* golbdn }efg

gisf oqqsiqsbo}f odm f``fh}bpf ìs }ef Bdmbod goslf}$

]ef sfhiggfdmo}bidx i` }ef higgb}}ff qv} x}sfxx id i``fsbdn iqfso}bidoj ov}idigr }i }ef bdxvsodhfxfspbhf qsipbmfsx odm ojxi xvnnfx}fm ìsgbdn od bdmfqfdmfd} sfnvjo}isr cimr$


15/77

]ef Bdxvsodhf Sfnvjo}isr odm Mfpfjiqgfd} Ov}eisb}r Oh} i` ?222 csivne} ociv} xfpfsoj hsvhboj

qijbhr heodnfx bd }ef bdxvsodhf xfh}is i` Bdmbo$ B} jfm }i }ef `isgo}bid i` }ef Bdxvsodhf Sfnvjo}isrodm Mfpfjiqgfd} Ov}eisb}r %BSMO" bd 3111$

]ef niojx i` }ef BSMO osf }i xo`fnvosm }ef bd}fsfx}x i` bdxvsodhf qijbhreijmfsx* ox ~fjj ox }i bdb}bo}f

mb``fsfd} qijbhr gfoxvsfx }i efjq xvx}obd nsi~}e bd }ef Bdmbod bdxvsodhf xfh}is$

BDXVSODHF SFNVJO]ISR ODM MFPFJIQGFD]

OV]EISB]R

]ef Bdxvsodhf Sfnvjo}isr odm

Mfpfjiqgfd} Ov}eisb}r %BSMO"

bx o do}bidoj onfdhr i` }ef Nipfsdgfd} i` Bdmbo* coxfm bd Ermfsocom$ Bd ?222* }ef Bdxvsodhf


16/77

Sfnvjo}isr odm Mfpfjiqgfd} Ov}eisb}r %BSMO" ~ox hidx}b}v}fm ox od ov}idigivx cimr }i sfnvjo}f

odm mfpfjiq }ef bdxvsodhf bdmvx}sr$ ]ef BSMO ~ox bdhisqiso}fm ox o x}o}v}isr cimr bd Oqsbj* 3111

]ef lfr ickfh}bpfx i` }ef BSMO bdhjvmf qsigi}bid i` higqf}b}bid xi ox }i fdeodhf hvx}igfs

xo}bxòh}bid }esivne bdhsfoxfm hidxvgfs heibhf odm ji~fs qsfgbvgx* ~ebjf fdxvsbdn }ef `bdodhboj

xfhvsb}r i` }ef bdxvsodhf goslf}$ ]ef BSMO iqfdfm vq }ef goslf} bd Ovnvx} 3111 ~b}e }ef bdpb}o}bid

ìs oqqjbho}bid ìs sfnbx}so}bidx$ @isfbnd higqodbfx ~fsf ojji~fm i~dfsxebq i` vq }i 30&$ ]efOv}eisb}r eox }ef qi~fs }i `sogf sfnvjo}bidx vdmfs Xfh}bid ??=O i` }ef Bdxvsodhf Oh}* ?285 odm eox

`sig 3111 id~osmx `sogfm posbivx sfnvjo}bidx sodnbdn `sig sfnbx}so}bid i` higqodbfx ìs hossrbdn

id bdxvsodhf cvxbdfxx }i qsi}fh}bid i` qijbhreijmfsx bd}fsfx}x$

Sijf i` BSMO;

Qsi}fh}bdn }ef bd}fsfx}x i` qijbhreijmfsx$

Fx}ocjbxebdn nvbmfjbdfx ìs }ef iqfso}bidx i` bdxvsfsx* odm csilfsx$

Xqfhb`rbdn }ef himf i` hidmvh}* vojb`bho}bidx* odm }sobdbdn ìs bdxvsodhf bd}fsgfmbosbfx odm

onfd}x$

Qsigi}bdn f``bhbfdhr bd }ef hidmvh} i` bdxvsodhf cvxbdfxx$

Sfnvjo}bdn }ef bdpfx}gfd} i` `vdmx cr bdxvsodhf higqodbfx$

Xqfhb`rbdn }ef qfshfd}onf i` cvxbdfxx }i cf ~sb}}fd cr bdxvsfsx bd svsoj xfh}isx$

Eodmjbdn mbxqv}fx cf}~ffd bdxvsfsx odm bdxvsodhf bd}fsgfmbosbfx$

Jbx} i` ojj jb`f bdxvsodhf higqodr nsod}fm qfsgbxxbid cr BSMO bx bdmbho}fm cfji~;

?$ Cokok Ojjbod{ Jb`f Bdxvsodhf Higqodr Jbgb}fm

3$ Cbsjo Xvd Jb`f Bdxvsodhf Hi$ J}m

8$ EM@H X}odmosm Jb`f Bdxvsodhf Hi$ J}m

=$ BHBHB Qsvmfd}boj Jb`f Bdxvsodhf Hi$ J}m$

6$ BDN Prxro Jb`f Bdxvsodhf Higqodr J}m$

0$ Jb`f Bdxvsodhf Hisqiso}bid i` Bdmbo

>$ Gou Df~ Risl Jb`f Bdxvsodhf Hi$ J}m

5$ Gf} Jb`f Bdmbo Bdxvsodhf Higqodr J}m$


17/77

2$ Li}ol Goebdmso Ijm Gv}voj Jb`f Bdxvsodhf Jbgb}fm

?1$ XCB Jb`f Bdxvsodhf Hi$ J}m

??$ ]o}o OBN Jb`f Bdxvsodhf Higqodr Jbgb}fm

?3$ Sfjbodhf Jb`f Bdxvsodhf Higqodr Jbgb}fm$

?8$ Opbpo Jb`f Bdxvsodhf Hi$ Bdmbo Qp}$ J}m$

?=$ Xoeoso Bdmbo Jb`f Bdxvsodhf Hi* J}m$?6$ Xesbsog Jb`f Bdxvsodhf Hi* J}m$

?0$ Ceos}b OUO Jb`f Bdxvsodhf Higqodr J}m$

?>$ @v}vsf Nfdfsojb Jb`f Bdxvsodhf Higqodr J}m$

?5$ BMCB @is}bx Jb`f Bdxvsodhf Higqodr J}m$

?2$ Hodoso EXCH Isbfd}oj Codl i` Higgfshf Jb`f Bdxvsodhf Hi$ J}m

31$ OFNID Sfjbnosf Jb`f Bdxvsodhf Higqodr Jbgb}fm$

3?$ MJ@ Qsogfsbho Jb`f Bdxvsodhf Hi$ J}m$

33$ X}os Vdbid Mob'bheb Jb`f Bdxvsodhf Higq$ J}m$


18/77

HEOQ]FS 3

HIGQODR QSI@BJF

HIGQODR QSI@BJF

EM@H X}odmosm Jb`f Bdxvsodhf Higqodr J}m$


19/77

EM@H X}odmosm Jb`f Bdxvsodhf Higqodr Jbgb}fm$ bx idf i` Bdmbo.x jfombdn qsbpo}f bdxvsodhf

higqodbfx* ~ebhe i``fsx o sodnf i` bdmbpbmvoj odm nsivq bdxvsodhf xijv}bidx$ EM@H X}odmosm Jb`f

Bdxvsodhf Higqodr Jbgb}fm bx idf i` }ef `bsx} higqodbfx }i cf jbhfdxfm cr BSMO }i iqfso}f bd }ef

Bdxvsodhf xfh}is$ B} bx o kibd} pfd}vsf cf}~ffd Eivxbdn Mfpfjiqgfd} @bdodhf Hisqiso}bid Jbgb}fm

%EM@H Jbgb}fm"* Bdmbo.x jfombdn eivxbdn `bdodhf bdx}b}v}bid odm o Nsivq Higqodr i` }ef X}odmosm

Jb`f Qjh* VL$]ef higqodr hogf bd}i fubx}fdhf id ?=}e Ovnvx} 3111$ EM@H eijmx 5?$=& xeosf bd

EM@H odm }ef sfgobdbdn ?5$0& x}olf bx ~b}e X}odmosm Jb`f$

EM@H X}odmosm Jb`f hid}bdvfx }i eopf idf i` }ef ~bmfx} sfohefx ogidn df~ bdxvsodhf

higqodbfx }esivne o df}~isl i` 626 i``bhfx xfspbdn ipfs >11 hb}bfx odm }i~dx ohsixx }ef

hivd}sr$ ]ef higqodr eox ojxi bdhsfoxfm b}x mfq}e bd fubx}bdn goslf}x ~b}e o x}sidn coxf i` gisf

}eod 3*11*111 @bdodhboj Hidxvj}od}x$

EM@H X]ODMOSM JB@F BDXVSODHF QFSHFD]ONF;

EM@H Jbgb}fm


20/77

EM@H bdhisqiso}fm bd ?2>> ~b}e o xeosf hoqb}oj i` Sx ?1 hsisfx$

EM@H Jbgb}fm* Bdmbox qsfgbfs eivxbdn `bdodhf bdx}b}v}bid eox oxxbx}fm gisf }eod 8$8

gbjjbid `ogbjbfx i~d o eigf* xbdhf b}x bdhfq}bid bd ?2>> ohsixx 3=11 hb}bfx odm }i~dx

}esivne b}x df}~isl i` ipfs 361 i``bhfx$

B} eox bd}fsdo}bidoj i``bhfx bd Mvcob* Jidmid odm Xbdnoqisf ~b}e xfspbhf oxxihbo}fx bd Xovmb

Osocbo* _o}os* Lv~ob} odm Igod }i oxxbx} DSBx odm QBIx }i i~d o eigf cohl bd Bdmbo$

Ox i` Mfhfgcfs 3115* }ef }i}oj oxxf} xb{f eox hsixxfm gisf }eod Sx$ 26*111 hsisfx bdhjvmbdn

}ef gis}nonf jiod oxxf}x i` gisf }eod Sx$ 53*511 hsisfx$ ]ef hisqiso}bid eox o mfqixb} coxf

i` Sx$ ?>*66? hsisfx* fosdbdn }ef }svx} i` gisf }eod 2*11*111 mfqixb}isx$

Hvx}igfs Xfspbhf odm xo}bx`oh}bid eox cffd }ef gobdx}or i` }ef isnodb{o}bid$

X}odmosm Jb`f Nsivq %X}odmosm Jb`f qjh odm b}x xvcxbmbosbfx"


21/77

X}odmosm Jb`f bx Fvsiqfx josnfx} gv}voj jb`f oxxvsodhf higqodr$

]ef X}odmosm Jb`f Nsivq eox cffd jiilbdn o`}fs }ef `bdodhboj dffmx i` hvx}igfsx ìs ipfs

?51 rfosx$ B} hvssfd}jr eox o hvx}igfs coxf i` osivdm > gbjjbid qfiqjf ~ei sfjr id }ef

higqodr ìs }efbs bdxvsodhf* qfdxbid* bdpfx}gfd}* codlbdn odm efoj}e'hosf dffmx$

B}x bdpfx}gfd} godonfs hvssfd}jr omgbdbx}fsx ?36 cbjjbid bd oxxf}x$

B} bx o jfombdn qfdxbidx qsipbmfs bd }ef VL* odm bx so}fm cr X}odmosm Qiis.x ox .x}sidn. ~b}e

o so}bdn i` O, odm ox .niim. ~b}e o so}bdn i` O? cr Giimr.x$

X}odmosm Jb`f ~ox o~osmfm }ef .Cfx} Qfdxbid Qsipbmfs. bd 311=* 3116 odm 3110 o} }ef Gidfr

Goslf}bdn O~osmx* odm b} ~ox pi}fm o 6 x}os jb`f odm qfdxbidx qsipbmfs o} }ef @bdodhboj

Ompbxfs Xfspbhf O~osmx ìs }ef jox} ?1 rfosx svddbdn$ ]ef .6 X}os. ohhijomf eox ojxi cffd

o~osmfm }i X}odmosm Jb`f Bdpfx}gfd}x ìs }ef jox} ?1 rfosx* odm }i X}odmosm Jb`f Codl xbdhf

b}x bdhfq}bid bd ?225$ X}odmosm Jb`f Codl ~ox o~osmfm }ef .Cfx} @jfubcjf Gis}nonf Jfdmfs

o} }ef Gis}nonf Gono{bdf O~osmx bd 3110$

KIBD] PFD]VSF


22/77

EM@H X}odmosm Jb`f Bdxvsodhf Higqodr Jbgb}fm ~ox idf i` }ef `bsx} higqodbfx }i cf nsod}fm

jbhfdxf cr }ef BSMO }i iqfso}f bd jb`f bdxvsodhf xfh}is$ Sfohe i` }ef KP qjorfs bx ebnejr so}fm odm

cffd hid`fssfm ~b}e godr o~osmx$ EM@H bx so}fm OOO cr ci}e HSBXBJ odm BHSO$ Xbgbjosjr*

X}odmosm Jb`f bx so}fm OOO ci}e cr Giimrx odm X}odmosm odm Qiisx$ ]efxf sf`jfh} }ef f``bhbfdhr

~b}e ~ebhe EM@H odm X}odmosm Jb`f godonf }efbs oxxf} coxf i` Sx$ ?6*111 Hs odm Sx$ 011*111 Hs$

Sfxqfh}bpfjr$

EM@H X}odmosm Jb`f Bdxvsodhf Higqodr J}m ~ox bdhisqiso}fm id ?= }e Ovnvx} 3111$ EM@H bx }ef

gokisb}r x}olfeijmfs bd }ef bdxvsodhf KP ~b}e 5?$= &x}ojf odm X}odmosm ;i` ox o x}oqjf q` ?5$0& GsMffqol Xo}~ojflos bx }ef GM odm HFI i` }ef pfd}vsf$

EM@H X}odmosm Jb`f Bdxvsodhf Higqodr J}m$ Bx idf i` Bdmbox jfombdn Qsbpo}f Jb`f Bdxvsodhf

Higqodbfx$* ~ebhe i``fsx o sodnf i` bdmbpbmvoj odm nsivq bdxvsodhf xijv}bidx$ B} bx o kibd} pfd}vsf

cf}~ffd Eivxbdn Mfpfjiqgfd} @bdodhf Hisqiso}bid Jbgb}fm %EM@H J}m$" Bdmbox jfombdn eivxbdn

`bdodhf bdx}b}v}bid odm }ef X}odmosm Jb`f Oxxvsodhf Higqodr* o jfombdn qsipbmfs i` `bdodhbo

xfspbhfx `sig }ef Vdb}fm Lbdnmig$ Ci}e }ef qsigi}fsx osf ~bjj ldi~d `is }efbs f}ebhoj mfojbdnx odm

`bdodhboj x}sfdn}e odm osf }evx higgb}}fm }i cfbdn o jidn'}fsg qjorfs bd }ef jb`f bdxvsodhf bdmvx}sr'

ojj bgqis}od} `oh}isx }i hidxbmfs ~efd heiixbdn rivs bdxvsfs$

LFR QJORFSX


23/77

Gs$ Mffqol X$ Qosfle bx }ef Heobsgod i` }ef Higqodr$ Ef bx

ojxi }ef Fufhv}bpf Heobsgod i` Eivxbdn Mfpfjiqgfd} @bdodhf

Hisqiso}bid Jbgb}fm %EM@H Jbgb}fm"$ Ef kibdfm EM@H Jbgb}fm bd o

xfdbis godonfgfd} qixb}bid bd ?2>5$ Ef ~ox bdmvh}fm ox o ~eijf'}bgf

mbsfh}is i` EM@H Jbgb}fm bd ?256 odm ~ox oqqibd}fm ox b}x Fufhv}bpf

Heobsgod bd ?228$ Ef bx }ef Hebf` Fufhv}bpf I``bhfs i` EM@H Jbgb}fmGs$ Qosfle bx o @fjji~ i` }ef Bdx}b}v}f i` Heos}fsfm Ohhivd}od}x %Fdnjodm

^ojfx"$

Xbs Ojfuodmfs G$ Hsigcbf kibdfm }ef

Ciosm i` Mbsfh}isx i` }ef Higqodr bd Oqsbj* 3113

Ef eox cffd ~b}e }ef X}odmosm Jb`f Nsivq `is 8=

rfosx eijmbdn posbivx xfdbis godonfgfd} qixb}bidx

Ef ~ox oqqibd}fm ox }ef Nsivq Hebf` Fufhv}bpf i`

}ef X}odmosm Jb f Nsivq bd Goshe 311=$ Xbs

Hsigcbf bx o `fjji~ i` }ef @ohvj}r i` Oh}vosbfx bd Xhi}jodm$

EM@H LFR X]SFDN]E


24/77

@bdodhboj Fuqfs}bxf

Ox o kibd} pfd}vsf i` jfombdn `bdodhboj xfspbhfx nsivqx* EM@H X}odmosm Jb`f eox }ef `bdodhboj

fuqfs}bxf sfvbsfm }i godonf rivs jidn'}fsg bdpfx}gfd}x xo`fjr odm f``bhbfd}jr$

Sodnf i` Xijv}bidx

^f eopf o sodnf i` bdmbpbmvoj odm nsivq xijv}bidx* ~ebhe hod cf foxbjr hvx}igbxfm }i xqfhb`bh dffmx

Ivs nsivq xijv}bidx eopf cffd mfxbndfm }i i``fs riv higqjf}f `jfubcbjb}r higcbdfm ~b}e o ji~

heosnbdn x}svh}vsf$

]sohl Sfhism Xi @os

Ivs nsixx qsfgbvg bdhigf* `is }ef rfos fdmbdn Goshe 8?* 3112 x}iim o} Sx$ 6*60=$02 hsisfx$

]ef higqodr eox hipfsfm ipfs 5*88*1>1 jbpfx ox id Goshe 8?* 3112$

HISQISO]F ICKFH]BPF


25/77

Pbxbid

.]ef gix} xvhhfxx`vj odm omgbsfm jb`f bdxvsodhf higqodr* ~ebhe gfodx }eo} ~f osf }ef gix} }svx}fm

higqodr* }ef foxbfx} }i mfoj ~b}e* i``fs }ef cfx} pojvf ìs gidfr* odm xf} }ef x}odmosmx bd }ef

bdmvx}sr.$

.]ef gix} icpbivx heibhf ìs ojj.$

Pojvfx

Pojvfx }eo} ~f icxfspf ~ebjf ~f ~isl;

Bd}fnsb}r

Bddipo}bid

Hvx}igfs hfd}sbh

Qfiqjf Hosf Idf ìs ojj odm ojj ìs idf

]fog ~isl

Kir odm Xbgqjbhb}r


26/77

OXXIHBO]F HIGQODBFX

EM@H Jbgb}fm

EM@H Codl

EM@H Gv}voj @vdm

EM@H Xojfx

EM@H FSNI Nfdfsoj Bdxvsodhf

I}efs Higqodbfx

EM@H ]svx}ff Higqodr J}m$

NSVE @bdodhf J}m$
http://www.hdfc.com/others/popup/about_us/hlsil.htmhttp://www.hdfcfund.com/http://www.hdfcbank.com/personal/default.htmhttp://www.hdfc.com/


27/77

EM@H Mfpfjiqfsx J}m$

EM@H Qsiqfs}r Pfd}vsfx J}m$

EM@H Pfd}vsfx ]svx}ff Higqodr J}m$

EM@H Bdpfx}gfd}x J}m$

EM@H Eijmbdnx J}m$

Hsfmb} Bdìsgo}bid Cvsfov %Bdmbo" J}m

EM@H Xfhvsb}bfx

OHHIJOMFX ODM SFHINDB]BID

EM@H X}odmosm Jb`f eox sfhfbpfm }ef Mbogidm FMNF O~osm 3112 ìs b}x gicbjf ~islìshf

qis}oj ' Hidxvj}od} Hisdfs$ FMNF ' Fd}fsqsbxfx Msbpbdn Nsi~}e odm Fuhfjjfdhf %vxbdn B]" bx

od bdb}bo}bpf cr }ef * Df}~isl Higqv}bdngono{bdf }i bmfd}b`r* sfhindbxf* odm eidivs fdm'

vxfs higqodbfx bd Bdmbo }eo} eopf mfgidx}so}fm }ef cfx} vxf i` }fhedijinr }i xijpf o cvxbdfxx

qsicjfg* bgqsipf cvxbdfxx higqf}b}bpfdfxx* odm mfjbpfs vod}b`bocjf SIB }i x}olfeijmfsx$

So}fm cr .Cvxbdfxx ~isjm. ox .Bdmbo.x Gix} Sfxqfh}fm Qsbpo}f Jb`f Bdxvsodhf Higqodr. bd

311=$

So}fm ox }ef #Cfx} Df~ Bdxvsfs ' 3118# cr Iv}jiil Gidfr gono{bdf* Bdmbo dvgcfs ?

qfsxidoj `bdodhf gono{bdf


28/77

HIGQF]B]ISX
http://www.iciciprulife.com/public/default.htmhttp://www.maxnewyorklife.com/index.aspxhttp://www.birlasunlife.com/BirlaSunLife/Insurance/BSLI_MP/index5.aspxhttp://www.inglife.co.in/home.aspx


29/77

GOSLF] XEOSF QIXB]BID

Jb`f Bdxvsodhf Hisqiso}bid i` Bdmbox %JBHx" goslf} xeosf eox xjbqqfm cr ojgix} =& }i 58$8& `sig

5>& goslf} xeosf jox} `bxhoj$ Ei~fpfs* bd }fsgx i` dvgcfs i` qijbhbfx xijm* JBH hid}bdvfx }i

migbdo}f }ef Bdmbod jb`f bdxvsodhf goslf} ~b}e ociv} 2?& goslf} xeosf$

Bd }fsgx i` nsivq bdxvsodhf xhefgfx* JBHx goslf} xeosf ~ox o} >3$3& o`}fs b} hipfsfm =$2 jole

jbpfx$ Qsbpo}f qjorfsx eom 3>$2& i` }ef goslf} hipfsbdn ?$2 jole jbpfx$

]ef ?3 qsbpo}f qjorfsx bd }ef hivd}sr }inf}efs giqqfm vq Sx 856 hsisf bd qsfgbvg bd }ef `bsx} }~i

gid}ex xfjjbdn ipfs 3 jole qijbhbfx$ BHBHB Qsvmfd}boj Jb`f jfomx ~b}e goslf} xeosf i` 6$2& B} bx

`ijji~fm cr Cbsjo Xvdjb`f ~b}e o goslf} xeosf i` 3$0&* Ojjbod{ Cokok %?$0&"* ]o}o OBN %?$6&"*

EM@H X}odmosm Jb`f %?$=" odm XCB Jb`f %?$3&"$

Fohe i` }ef i}efs qsbpo}f qjorfsx jblf Opbpo* Gou Df~ Risl Jb`f* IG Li}ol Jb`f* BDN Prxro*

OGQ Xodgos odm Gf}Jb`f eom jfxx }eod ?& goslf} xeosf cv} qix}fm ebne nsi~}e bd cvxbdfxx$ Bd

}fsgx i` qsfgbvg hijjfh}bid* BHBHB Qsvmfd}boj giqqfm vq Sx ?80 hsisf `ijji~fm cr Cbsjo Xvdjb`f

%Sx 01 hsisf"* Ojjbod{ Cokok %Sx 8> hsisf"* ]o}o OBN %Sx 86 hsisf"* EM@H X}odmosm Jb`f %Sx 88

hsisf"* XCB Jb`f %Sx 3> hsisf"$


30/77

X^I] ODOJRXBX

I@ EM@H X]ODMOSM JB@F BDXVSODHF

X]SFDN]E

?$ Migfx}bh bgonf i` EM@H xvqqis}fm cr X}odmosm Jb`fx bd}fsdo}bidoj bgonf bx x}sfdn}e i` }ef

higqodr$

3$ X}sidn odm ~fjj xqsfom df}~isl i` vojb bfm bd}fsgfmbosbfx odm xojfx qfsxid$

8$ X}sidn hoqb}oj odm sfxfspf coxf$

=$ ]ef higqodr qsipbmfx hvx}igfs xfspbhf i` }ef ebnefx} ismfs$

6$ Evnf coxlf} i` qsimvh} sodnf ~ebhe osf xvb}ocjf }i ojj onf odm bdhigf nsivqx$

0$ Josnf qiij i` }fhedbhojjr xlbjjfm godqi~fs ~b}e bd mfq}e ldi~jfmnf odm vdmfsx}odmbdn i`

}ef goslf}$

>$ ]ef higqodr ojxi qsipbmfx bddipo}bpf qsimvh}x }i ho}fs }i mb `fsfd} dffmx i` mb``fsfd}

hvx}igfsx$

^FOLDFXX

?$ Efopr godonfgfd} fuqfdxfx odm omgbdbx}so}bpf hix}x$

3$ Ji~ hvx}igfs hid`bmfdhf id }ef qsbpo}f qjorfsx$

8$ Pfs}bhoj ebfsoshebhoj sfqis}bdn x}svh}vsf ~b}e godr mfxbndo}bidx odm homsfx jfombdn }i qi~fs

qijb}bhx o} ojj jfpfjx ~b}eiv} odr fuhfq}bid$

=$ Qiis sf}fd}bid qfshfd}onf i` }bfm vq onfd}x$

IQQIS]VDB]BFX

?$ Bdxvsocjf qiqvjo}bid; Ohhismbdn }i BSMO idjr ?1& i` }ef qiqvjo}bid bx bdxvsfm ~ebhe

sfqsfxfd}x osivdm 81& i` }ef bdxvsocjf qiqvjo}bid$ ]ebx xvnnfx}x gisf }eod 811g qfiqjf

~b}e }ef qi}fd}boj }i cvr bdxvsodhf* sfgobd vdbdxvsfm$


31/77

3$ ]efsf ~bjj cf bd`ji~ i` godonfsboj odm `bdodhboj fuqfs}bxf `sig }ef ~isjmx jfombdn

bdxvsodhf goslf}x$ @vs}efs }ef cvsmfd i` fmvho}bdn hidxvgfsx ~bjj ojxi cf xeosfm ogidn

godr qjorfsx$

8$ Bd}fsdo}bidoj higqodbfx ~bjj efjq bd cvbjmbdn ~isjm hjoxx fuqfs}bxf bd jihoj goslf} cr

bd}simvhbdn }ef cfx} njicoj qsoh}bhfx$

]ESFO]X

?$ I}efs qsbpo}f bdxvsodhf higqodbfx ojxi prbdn `is }ef xogf vdbdxvsfm qiqvjo}bid$

3$ Cbn qvcjbh xfh}is bdxvsodhf higqodbfx jblf Jb f Bdxvsodhf Hisqiso}bid %JBH" i` Bdmbo

Do}bidoj Bdxvsodhf Higqodr Jbgb}fm* Isbfd}oj Bdxvsodhf Jbgb}fm* Df~ Bdmbo Oxxvsodhf

Higqodr Jbgb}fm odm Vdb}fm Bdmbo Bdxvsodhf Higqodr Jbgb}fm$ Qfiqjf }svx} odm ni }i }efg

gisf$

8$ Qiohebdn i` hvx}igfs coxf cr i}efs higqodbfx$

=$ Gix} qfiqjf mid} vdmfsx}odm }ef dffm is osf di} ~bjjbdn }i }olf bdxvsodhf qijbhbfx bd

nfdfsoj$


32/77

QSIMVH] QSI@BJF

BDMBPBMVOJ QSIMVH]X

EM@H X}odmosm jb`f sfojb{fx }eo} di} fpfsridf eox }ef xogf lbdm i` dffmx$ Lffqbdn }ebx bd gbdm*

EM@H eopf o posbfm sodnf i` qsimvh}x }eo} riv hod `sig }i xvb} ojj rivs dffmx$ ]efxf ~bjj efjq

xfhvsf rivs `v}vsf ox ~fjj ox }ef `v}vsf i` rivs ògbjr$

Qsi}fh}bid Qjodx

Riv hod qsi}fh} rivs ògbjr onobdx} }ef jixx i` rivs bdhigf is }ef cvsmfd i` o jiod bd

}ef fpfd} i` rivs vdìs}vdo}f mfgbxf* mbxocbjb}r is xbhldfxx$ ]efxf qjodx i``fs pojvocjf qfohf i`

gbdm o} o xgojj qsbhf$

]fsg Oxxvsodhf Qjod

Jiod Hipfs ]fsg Oxxvsodhf Qjod

Eigf Jiod Qsi}fh}bid Qjod

Bdpfx}gfd} Qjodx


33/77

Bdpfx}gfd} qjod bx ~fjj xvb}fm }i gff} rivs jidn }fsg bdpfx}gfd} dffmx$ EM@H qsipbmf riv

~b}e o}}soh}bpf jidn }fsg sf}vsdx }esivne sfnvjos cidvxfx$

Xbdnjf Qsfgbvg ^eijf Jb`f Qjod

Qfdxbid Qjodx

EM@H Qfdxbid Qjodx efjq riv xfhvsf rivs `bdodhboj bdmfqfdmfdhf fpfd o`}fs sf}bsfgfd}$

Qfsxidoj Qfdxbid Qjod

Vdb} Jbdlfm Qfdxbid Bb

Vdb} Jbdlfm Qfdxbid Goubgbxfs Bb

Xopbdnx Qjodx

EM@H Xopbdnx Qjodx i``fs riv `jfubcjf iq}bidx }i cvbjm xopbdnx `is rivs `v}vsf dffmx

xvhe ox cvrbdn o msfog eigf is `vj`bjjbdn rivs hebjmsfd bggfmbo}f odm `v}vsf dffmx$ Xopbdnx sodnf

bdhjvmfx;

Fdmi~gfd} Oxxvsodhf Qjod

Vdb} Jbdlfm Fdmi~gfd} BB


34/77

Vdb} Jbdlfm Fdmi~gfd} Qjvx BB

Gidfr Cohl

Xbgqjbjb`f

Vdb} Jbdlfm ^foj}e Goubgbxfs Qjvx

Vdb} Jbdlfm Fdeodhfm Jb`f Qsi}fh}bid BB

Hebjmsfd.x Qjod

Vdb} Jbdlfm Rivdn X}os Heogqbid

Vdb} Jbdlfm Rivdn X}os BB

Vdb} Jbdlfm Rivdn X}os Qjvx BB

Efoj}e Qjodx

Ivs efoj}e qjodx qsipbmfx riv ~b}e }bgfjr xvqqis} bd hoxf i` odr efoj}e sfjo}fm fgfsnfdhbfx

odm efjqx riv odm rivs ògbjr }i sfgobd `bdodhbojjr bdmfqfdmfd} bd mb``bhvj} }bgfx

Hsb}bhoj Hosf Qjod

Xvsb Hosf Qjod

NSIVQ QSIMVH]X

Idf'x}iq xeiq ìs fgqjirff'cfdf`b} xijv}bidx

EM@H X}odmosm Jb`f eox }ef gix} higqsfefdxbpf jbx} i` qsimvh}x ìs qsinsfxxbpf fgqjirfsx ~ei

~bxe }i qsipbmf }ef cfx} odm gix} bddipo}bpf fgqjirff cfdf`b} xijv}bidx }i }efbs fgqjirffx$ ^f

i``fs mb``fsfd} qsimvh}x ìs mb``fsfd} dffmx i` fgqjirfsx sodnbdn `sig }fsg bdxvsodhf qjodx ìs qvsf

qsi}fh}bid }i pijvd}osr qjodx xvhe ox xvqfsoddvo}bid odm jfopf fdhoxegfd}$

^f di~ i``fs }ef ìjji~bdn nsivq qsimvh}x }i ivs fx}ffgfm hisqiso}f hjbfd}x;

Nsivq ]fsg Bdxvsodhf

Nsivq Posbocjf ]fsg Bdxvsodhf


35/77

Nsivq Vdb}'Jbdlfm Qjod

XIHBOJ QSIMVH]

Mfpfjiqgfd} Bdxvsodhf Qjod

Mfpfjiqgfd} Bdxvsodhf qjod bx od bdxvsodhf qjod ~ebhe qsipbmfx jb`f hipfs }i gfgcfsx

i` o Mfpfjiqgfd} Onfdhr ìs o }fsg i` idf rfos$ Id }ef mfo}e i` odr gfgcfs i` }ef nsivq bdxvsfmmvsbdn }ef rfos i` hipfs* o jvgq xvg bx qobm }i }eixf gfgcfs cfdf`bhbosbfx }i efjq gff} xigf i` }ef

bggfmbo}f `bdodhboj dffmx ìjji~bdn }efbs jixx$

Bd }ef ocipf gfd}bidfm qjodx* B qos}bhvjosjr ~ox mfojbdn ~b}e;

?$ Fdmi~gfd} Oxxvsodhf Qjod

3$ Vdb} Jbdlfm Fdmi~gfd} Oxxvsodhf Qjod

8$ Hebjmsfdx Qjod

=$ Vdb} Jbdlfm Rivdn X}os Qjod

6$ Gidfr Cohl Qjod

0$ Xbdnjf Qsfgbvg êijf Jb`f Bdxvsodhf Qjod

>$ ]fsg Oxxvsodhf Qjod

Fdmi~gfd} Oxxvsodhf Qjod

Riv eopf nbpfd rivs ògbjr }ef pfsr cfx}$ Odm }efsf bx di sfoxid ~er }efr xeivjmd.} nf}

}ef pfsr cfx} bd }ef `v}vsf }ii$ Ox o kvmbhbivx ògbjr god* rivs qsbisb}r bx }i xfhvsf }ef ~fjj'cfbdn i`

}eixf ~ei mfqfdm id riv$ Di} kvx} ìs }imor* cv} ojxi bd }ef jidn }fsg$ Gisf bgqis}od}jr* riv eopf

}i nvosm rivs jipfm idfx onobdx} odr fpfd}vojb}r$ Ei~ ~bjj }efr xvx}obd }efbs ~or i` jb`f* xi jipbdnjr

cvbj} cr riv* bd rivs ocxfdhf9

^b}e ivs EM@H Fdmi~gfd} Oxxvsodhf Qjod* riv hod fdxvsf }eo} rivs ògbjr sfgobdx

`bdodhbojjr bdmfqfdmfd}* fpfd b` riv osf di} osivdm$ Riv hod fdxvsf }eo} }efr jbpf o jb`f i` sfxqfh}

odm mbndb}r oj~orx$

]ef EM@H Fdmi~gfd} Oxxvsodhf Qjod nbpfx riv;

Od bmfoj ~or }i xfhvsf rivs jidn'}fsg `bdodhboj niojx


36/77

Pojvocjf qsi}fh}bid }i rivs ògbjr cr ~or i` jvgq xvg qorgfd} bd hoxf i` rivs vdìs}vdo}f

mfgbxf ~b}ebd qijbhr }fsg

Jvgq xvg qorgfd} %coxbh Xvg Oxxvsfm qjvx odr cidvx ommb}bidx" id xvspbpoj vq }i go}vsb}r

mo}f

Pfsr `jfubcjf cfdf`b} iq}bidx odm qorgfd} iq}bidx

Vdb} jbdlfm fdmi~gfd} oxxvsodhfqjod

Bd }ebx qijbhr* }ef bdpfx}gfd} sbxl bd bdpfx}gfd} qis}ìjbi bx cisdf cr }ef qijbhr eijmfs$

Riv eopf nbpfd rivs ògbjr }ef pfsr cfx}$ Odm }efsf bx di sfoxid ~er }efr xeivjm di} nf} }ef

pfsr cfx} bd }ef `v}vsf }ii$ ^b}e EM@H Vdb} Jbdlfm Fdmi~gfd} qjvx BB* riv hod fdxvsf }eo} rivs

ògbjr sfgobdx `bdodhbojjr bdmfqfdmfd}* fpfd b` riv osf di} osivdm$ Riv hod fdxvsf }eo} }efr jbpf o

jb`f i` sfxqfh} odm mbndb}r* Oj~orx$

]ef EM@H Vdb} Jbdlfm Fdmi~gfd} qjvx BB nbpfx;

Pojvocjf qsi}fh}bid }i rivs ògbjr bd hoxf riv osf di} osivdm

Od iv}x}odmbdn bdpfx}gfd} iqqis}vdb}r cr qsipbmbdn o heibhf i` }eisivnejr sfxfoshefm odm

xfjfh}fm bdpfx}gfd}x

Sfnvjos Jiroj}r Vdb}x }i ciix} rivs `vdm pojvf fpfsr rfos

@jfubcjf cfdf`b} higcbdo}bidx odm qsfgbvg qorgfd} iq}bidx

@jfubcjf ommb}bidoj cfdf`b} iq}bidx xvhe ox hsb}bhoj bjjdfxx hipfs

Hebjmsfdx qjod

Ox o qosfd}* rivs qsbisb}r bx rivs hebjm.x `v}vsf odm cfbdn ocjf }i gff} rivs hebjm.x msfogx

odm oxqbso}bidx$

]imor* qsipbmbdn o niim fmvho}bid* fx}ocjbxebdn o qsi`fxxbidoj hosffs is fpfd o gimfx} ~fmmbdn bx

fuqfdxbpf$ Hix}x osf bdhsfoxbdn òx}$ Kvx} bgonbdf ei~ gvhe riv.jj dffm ~efd rivs hebjm }olfx }efxf

bgqis}od} x}fqx bd jb`f/

Qjod }imor }i fdxvsf o csbne} `v}vsf ìs rivs hebjm$ X}os} cvbjmbdn xopbdnx }imor ~b}e ivs EM@H

Hebjmsfd.x Qjod$

Xi }eo} rivs hebjm bx ocjf }i jfom o jb`f i` sfxqfh} odm mbndb}r ~b}e o xfhvsfm `bdodhboj `v}vsf

]ef EM@H Hebjmsfd.x Qjod nbpfx riv;

Bdpojvocjf `bdodhboj xvqqis} }i rivs hebjm

O heibhf }i hvx}igb{f od bmfoj qjod ìs rivs hebjm

Gvj}bqjf iq}bidx ìs gvj}bqjf cfdf`b}x


37/77

Vdb} jbdlfm rivdn x}os qjod

Ox o qosfd}* rivs qsbisb}r bx rivs hebjmsfdx `v}vsf odm cfbdn ocjf }i gff} }efbs msfogx odm

oxqbso}bidx$ ]imor* qsipbmbdn o niim fmvho}bid* fx}ocjbxebdn o qsi`fxxbidoj hosffs is fpfd o gimfx}

~fmmbdn bx fuqfdxbpf$ Hix}x osf bdhsfoxbdn òx}$ Kvx} bgonbdf ei~ gvhe riv ~bjj dffm ~efd rivs

hebjmsfd }olf }efxf bgqis}od} x}fqx bd jb`f$Qjod }imor }i fdxvsf o csbne} `v}vsf ìs rivs hebjmsfd$ X}os} cvbjmbdn xopbdnx }imor ~b}e ivs EM@H

Vdb} Jbdlfm Rivdn X}os Heogqbid xi }eo} rivs hebjm bx ocjf }i jfom o jb`f i` sfxqfh} odm mbndb}r ~b}e

o xfhvsfm `bdodhboj `v}vsf$

]ef EM@H Vdb} Jbdlfm Rivdn X}os Heogqbid nbpfx;

Pojvocjf qsi}fh}bid }i rivs hebjm bd hoxf riv osf di} osivdm

Od iv}x}odmbdn bdpfx}gfd} iqqis}vdb}r cr qsipbmbdn o heibhf i` }eisivnejr sfxfoshefm odm

xfjfh}fm bdpfx}gfd}x

Cvgqfs Ommb}bid }i }ef `vdm pojvf o} go}vsb}r

@jfubcjf qsfgbvg qorgfd} iq}bidx

Di dffm }i ni ìs gfmbhojx$ Kvx} `bjjbdn o Xeis} Gfmbhoj _vfx}biddobsf ~bjj mi/

Gidfr Cohl Qjod

Riv eopf oj~orx cfjbfpfm bd jbpbdn jb`f id rivs i~d }fsgx$ Xi ~er jf} }ef heodnbdn sfojb}bfx

i` fpfsrmor jb`f ipfs~efjg riv odm golf rivs oxqbso}bidx }olf o cohl xfo}9 Riv hod qjod di~ }i

fdxvsf }eo} riv eopf }ef dfhfxxosr `vdmx }i gff} rivs `v}vsf `bdodhboj dffmx$

]ef EM@H Gidfr Cohl Qjod bx o ^b}e Qsi`b} Qjod }eo} nbpfx riv;

O qsiqis}bid i` }ef coxbh Xvg Oxxvsfm ox Hoxe jvgq xvgx o} sfnvjos 6'rfos bd}fspojx ~b}ebd

}ef qijbhr }fsg %xff }ef }ocjf nbpfd cfji~" od bmfoj ~or }i xfhvsf rivs jidn' }fsg ox ~fjj ox

xeis}'}fsg `bdodhboj niojx$

O jvgq xvg qorgfd} id xvspbpoj vq }i go}vsb}r mo}f$

Pojvocjf qsi}fh}bid }i rivs ògbjr cr ~or i` jvgq xvg qorgfd} bd hoxf i` rivs vdìs}vdo}f

mfo}e ~b}ebd }ef qijbhr }fsg

Xbdnjf qsfgbvg ~eijf jb`f bdxvsodhf qjod

]ef ~fjj'bdìsgfm sbne}jr xobm odm qsipfx ei~ bgqis}od} bdpfx}gfd}x osf bd }imorx mo}f odm

onf$ ]ef vfx}bid }eo} ~f ojj `fos bx êo} ociv} }ef sbxlx o}}ohefm9


38/77

EM@H X}odmosm Jb`f Bdxvsodhf csbdnx }i riv o xo`f bdpfx}gfd} qjod }eo} ~ivjm }olf hosf i` rivs

xopbdnx odm dvs}vsf rivs fosdbdnx

EM@H Xbdnjf Qsfgbvg êijf i` Jb`f Bdxvsodhf Qjod bx o }objis'gomf qjod ~fjj xvb}fm }i gff} rivs

jidn'}fsg bdpfx}gfd} dffmx$ ]ebx qos}bhbqo}bdn qjod i``fsx riv }ef ìjji~bdn cfdf`b}x;

êijf i` jb`f qjod obgfm o} qsipbmbdn jidn'}fsg sfoj nsi~}e i` rivs gidfr

Xbdnjf qsfgbvg bdpfx}gfd} qjod

Bd hoxf i` rivs vdìs}vdo}f mfgbxf mvsbdn }ef qijbhr }fsg* }ebx qos}bhbqo}bdn %^b}e Qsi`b}x"

bdxvsodhf qjod ~bjj qor rivs ògbjr }ef Xvg Oxxvsfm odm higqivdm Sfpfsxbidosr Cidvxfx

~ebhe osf vxvojjr ommfm oddvojjr$ Od ommb}bidoj ]fsgbdoj Cidvx gor cf qobm mfqfdmbdn id

}ef qfsìsgodhf i` }ef vdmfsjrbdn bdpfx}gfd}x

Mvsbdn Nvosod}ffm Xvssfdmfs Qfsbimx riv nf} }ef Xvg Oxxvsfm odm ojj cidvxfx pfx}fm ox o}

}ef mo}f i` xvssfdmfs

]fsg oxxvsodhf qjod

]ef EM@H ]fsg Oxxvsodhf Qjod bx od bdxvsodhf qijbhr }eo} bx mfxbndfm }i efjq xfhvsf rivs ògbjr.x

`bdodhboj dffmx$ ]ef qjod mifx }ebx cr qsipbmbdn o jvgq xvg }i }ef ògbjr i` }ef jb`f oxxvsfm bd hoxf

i` mfo}e is hsb}bhoj bjjdfxx %b` iq}bid bx heixfd" i` }ef jb`f oxxvsfm mvsbdn }ef }fsg i` }ef hid}soh}$ Idf

hod heiixf }ef jvgq xvg }eo} ~ivjm sfqjohf }ef bdhigf jix} }i idf.x ògbjr bd }ef vdìs}vdo}f fpfd}

i` idf.x mfo}e$


39/77

Qsfgbvg Qorgfd}

]ebx xfh}bid nbpfx riv ojj }ef mf}objx }eo} riv gor sfvbsf }i qor rivs qsfgbvg odm golf b} o eoxxjf

`sff fuqfsbfdhf$ Ojidn ~b}e posbivx qsfgbvg qorgfd} iq}bidx hvssfd}jr opobjocjf }i riv* ~f eopf

ojxi mso~d vq oHefhljbx} i` mf}objx }eo} riv ~bjj dffm bd hoxf riv osf qorbdn }esivne hefvf is

mfgodm mso`}$

> Foxr ^orx }i qor rivs qsfgbvg;


40/77

?$ O} odr iìvs csodhefx

Riv hod mfqixb} Hefvf ) Mfgodm Mso`} mso~d bd òpivs i` EM@H XJBH o} odr i` Ivs csodhe

mvsbdn }ef ìjji~bdn cvxbdfxx eivsx;

Gidmor }i @sbmor; 2$81 OG }i =$81 QG %@is Hoxe"

Gidmor }i @sbmor; 2$81 OG }i 6$11 QG %@is Hefvf"

Xo}vsmor ; 2$81 OG }i ?3$11 Diid %@is Hoxe Hefvf"

Hjixfm id Xvdmorx

3$ Qix}onf ) Hivsbfs

Riv hod xfdm hefvfx odm mfgodm mso`}x mso~d bd òpivs i` EM@H XJBH }i odr i` ivs csodhe

i``bhfx$

8$ Idjbdf Qorgfd}

Riv hod golf idjbdf qorgfd} i` qsfgbvg odr}bgf odm `sig odr jiho}bid* o} o hjbhl i` }ef givxf cr

vxbdn }ef idjbdf qorgfd} òhbjb}r$ B} bx hvssfd}jr i``fsfm }i ojj }ef qijbhreijmfsx ~ei osf sfnbx}fsfm

vxfsx i` cbjjkvdh}bid$hig is eopf df} codlbdn òhbjb}r ~b}e odr i` }ef ìjji~bdn codlx ' EM@H Codl*


41/77

BHBHB Codl* Oubx Codl* X}o}f Codl i` Bdmbo* Qvdkoc Do}bidoj Codl* Vdbid Codl i` Bdmbo* Codl i`

Cosimo

=$ Msiq Ciufx

Riv hod msiq hefvfx odm mfgodm mso`}x mso~d bd òpivs i` EM@H XJBH bd}i odr i` ivs msiq ciufx

bdx}ojjfm o} posbivx jiho}bidx bd posbivx hb}bfx

6$ Fjfh}sidbh Hjfosbdn Xfspbhf %FHX" is Ov}i Mfcb} òhbjb}r i` SCB

Riv hod ojxi qor sfdf~oj qsfgbvgx }esivne Fjfh}sidbh Hjfosbdn Xfspbhf %FHX" i` Sfxfspf Codl i`

Bdmbo %SCB" qsfxfd}jr opobjocjf bd ìjji~bdn 0? hb}bfx

0$ X}odmbdn Bdx}svh}bidx %XB" Godmo}f

Riv hod ojxi qor rivs sfdf~oj qsfgbvg }esivne o X}odmbdn Bdx}svh}bidx Godmo}f b` riv eopf od

ohhivd} ~b}e EM@H Codl odr~efsf bd Bdmbo

>$ Hsfmb} Hosm @ohbjb}r

Riv hod qor rivs sfdf~oj qsfgbvg }esivne rivs EM@H Codl hsfmb} hosm$

Hefhljbx} ~ebjf qorbdn rivs sfdf~oj qsfgbvg }esivne

hefvf) mfgodm mso`}

rivs qijbhr dvgcfs odm dogf hissfh}jr id }ef sfpfsxf xbmf i` }ef hefvf) mfgodm mso`}

^f mi di} ohhfq} Qix} Mo}fm Hefvfx %QMHx" cfridm }ef dfu} codlbdn mor `sig mo}f i`

sfhfbq}

Bd hoxf i` odr ipfs~sb}bdn id rivs hefvf* qjfoxf hivd}fsxbnd }ef xogf

Ox qfs SCB nvbmfjbdfx* Did GBHS Hefvfx gor di} cf ohhfq}ocjf o} `f~ jiho}bidx$ Bd }ebx

xhfdosbi* qjfoxf hid}oh} rivs dfosfx}csodhe ìs gisf mf}objx

Vdb} Jbdlfm Qijbhfx riv hod qor vxbdn Jihoj Hefvfx) Mfgodm Mso`}x

i}efs qijbhbfx riv hod qor vxbdn fb}efs Jihoj is Iv}x}o}bid hefvfx is Mfgodm Mso`}x


42/77

]OU CFDF@B]X

BDHIGF

]OU

XFH]BID

NSIXX

ODDVOJ

XOJOSR

EI^ GVHE ]OU HOD RIV

XOPF9

EM@H X]ODMOSM

JB@F QJODX


43/77

Xfh$ 51H Ohsixx Ojj

bdhigf Xjocx

Vq}i Sx$ 88*221 xopfm id bdpfx}gfd}

i`Sx$ ?*11*111$

Ojj }ef jb`f bdxvsodhf

qjodx$

Xfh$ 51 HHH Ohsixx ojj

bdhigf xjocx$

Vq}i Sx$ 88*221 xopfm id Bdpfx}gfd}

i` Sx$?*11*111$

Ojj }ef qfdxbid qjodx$

Xfh$ 51 M+ Ohsixx ojj

bdhigf xjocx

Vq}i Sx$ ?1?2> xopfm id Bdpfx}gfd} i`

Sx$ 81*111$ %bdhjvxbpf i` Sx$ ?6111

}i~osmx efoj}e bdxvsodhf i` qosfd}x"

Vq}i Sx$??52> xopfm id bdpfx}gfd} i`

Sx$ 86111%bdhjvxbpf i` Sx$31111}i~osmx efoj}e bdxvsodhf i` qosfd}x

~ei osf xfdbis hb}b{fdx"

Ojj }ef efoj}e bdxvsodhf

sbmfsx opobjocjf ~b}e }efhidpfd}bidoj qjodx$

]I]OJ XOPBDNXQIXXBCJF ++

Sx==?5>

Sx$ 88*221 vdmfs Xfh$ 51H odm vdmfs Xfh$ 51 HHH * Sx$?1*?2> is

Sx$??*52> vdmfs Xfh$ 51 M* hojhvjo}fm `is o gojf ~b}e nsixx oddvojbdhigf

fuhffmbdn Sx$ ?1*11*111$

Vdmfs xfh$ ?1%?1M"* }ef cfdf`b}x sfhfbpfm cr riv osf higqjf}fjr }ou `sff$

GOKIS JB@F BDXVSODHF QJORFSX

Jb`f Bdxvsodhf Hisqiso}bid i` Bdmbo %JBH"

Ociv} ?6= Bdmbod bdxvsodhf higqodbfx* ?0 did'Bdmbod higqodbfx odm >6 qsipbmfd} ~fsf iqfso}bdn

bd Bdmbo o} }ef }bgf i` do}bidojb{o}bid i` Jb`f Bdxvsodhf Bdmvx}sr$ Do}bidojb{o}bid ~ox ohhigqjbxefm

bd }~i x}onfx< bdb}bojjr }ef godonfgfd} i` }ef higqodbfx ~ox }olfd ipfs cr gfodx i` od Ismbdodhf*


44/77

odm jo}fs* }ef i~dfsxebq }ii cr gfodx i` o higqsfefdxbpf cbjj$ ]ef Qosjbogfd} i` Bdmbo qoxxfm }ef

Jb`f Bdxvsodhf Hisqiso}bid Oh} id }ef ?2}e i` Kvdf ?260* odm }ef Jb`f Bdxvsodhf Hisqiso}bid i`

Bdmbo ~ox hsfo}fm id ?x} Xfq}fgcfs* ?260* ~b}e }ef ickfh}bpf i` xqsfombdn jb`f bdxvsodhf gvhe gisf

~bmfjr odm bd qos}bhvjos }i }ef svsoj osfox ~b}e o pbf~ }i sfohe ojj bdxvsocjf qfsxidx bd }ef hivd}sr*

qsipbmbdn }efg omfvo}f `bdodhboj hipfs o} o sfoxidocjf hix}$ 3=6 Bdmbod odm ìsfbnd bdxvsfsx odm

qsipbmfd} xihbf}bfx osf }olfd ipfs cr }ef hfd}soj nipfsdgfd} odm do}bidojb{fm$ JBH hid}bdvfx }i cf}ef migbdod} jb`f bdxvsfs fpfd bd }ef jbcfsojb{fm xhfdosbi i` Bdmbod bdxvsodhf odm bx gipbdn òx} id o

df~ nsi~}e }sokfh}isr xvsqoxxbdn b}x i~d qox} sfhismx$ JBH eox bxxvfm ipfs idf hsisf qijbhbfx mvsbdn

}ef hvssfd} rfos$ B} eox hsixxfm }ef gbjfx}idf i` bxxvbdn ?*1?*83*266 df~ qijbhbfx cr ?6}e Ih}* 3116*

qix}bdn o efoj}er nsi~}e so}f i` ?0$0>& ipfs }ef hissfxqidmbdn qfsbim i` }ef qsfpbivx rfos$

EM@H X}odmosm Jb`f Bdxvsodhf Higqodr J}m$

EM@H X}odmosm Jb`f Bdxvsodhf Higqodr J}m$ i``fsx o sodnf i` bdmbpbmvoj odm nsivq bdxvsodhf

xijv}bidx$ B} bx o kibd} pfd}vsf cf}~ffd Eivxbdn Mfpfjiqgfd} @bdodhf Hisqiso}bid Jbgb}fm %EM@H

J}m$"* Bdmbox jfombdn eivxbdn `bdodhf bdx}b}v}bid odm idf i` }ef xvcxbmbosbfx i` X}odmosm Jb`f qjh

jfombdn qsipbmfsx i` `bdodhboj xfspbhfx bd }ef Vdb}fm Lbdnmig$ ]ef X}odmosm Jb`f nsivq eox cffd

jiilbdn o`}fs }ef `bdodhboj dffmx i` hvx}igfsx ìs ipfs ?51 rfosx$ B} bx o jfombdn qfdxbidx qsipbmfs bd

}ef VL$ Ci}e }ef qsigi}fsx osf ~fjj ldi~d bd }efbs sfxqfh}bpf `bfjmx i` oh}bpb}bfx$

Gou Df~ Risl Jb`f Bdxvsodhf Hi$ J}m$

Gou Df~ Risl Jb`f Bdxvsodhf Higqodr J}m$ bx o kibd} pfd}vsf cf}~ffd Df~ Risl Jb`f* o @is}vdf

?11 higqodr odm Gou Bdmbo Jbgb}fm* idf i` Bdmbo.x jfombdn gvj}b'cvxbdfxx hisqiso}bidx$ ]ef

Higqodr.x qobm vq hoqb}oj bx Sx$ 65> hsisf* ~ebhe bx gisf }eod }ef disg jobm mi~d cr BSMO$

BHBHB Qsvmfd}boj Jb`f Bdxvsodhf Higqodr J}m$

BHBHB Qsvmfd}boj Jb`f Bdxvsodhf Higqodr bx o kibd} pfd}vsf cf}~ffd BHBHB Codl'idf i` Bdmbo.x

ìsfgix} `bdodhboj xfspbhfx higqodbfx'odm Qsvmfd}boj qjh' o jfombdn bd}fsdo}bidoj `bdodhboj xfspbhfx

nsivq efomvos}fsfm bd }ef Vdb}fm Lbdnmig$ ]i}oj hoqb}oj bd`vxbid x}odmx o} Sx$ ?6$56 cbjjbid* ~b}e

BHBHB Codl eijmbdn o x}olf i` >=& odm Qsvmfd}boj qjh eijmbdn 30&$ BHBHB Qsvmfd}boj higgfdhfm

iqfso}bidx bd Mfhfgcfs 3111$


45/77

Li}ol Goebdmso Ijm Gv}voj Jb`f Bdxvsodhf Jbgb}fm

Li}ol Goebdmso Ijm Gv}voj Jb`f Bdxvsodhf J}m$ bx o kibd} pfd}vsf cf}~ffd Li}ol Goebdmso Codl

J}m$ %LGCJ"* odm Ijm Gv}voj qjh$ Li}ol Goebdmso bx idf i` Bdmbo.x jfombdn `bdodhboj bdx}b}v}bidx*

i``fsbdn higqjf}f `bdodhboj xijv}bidx }eo} fdhigqoxx fpfsr xqefsf i` jb`f$ @sig higgfshboj codlbdn}i x}ihl csilbdn* }i gv}voj `vdmx* }i jb`f bdxvsodhf* }i bdpfx}gfd} codlbdn* }ef nsivq ho}fsx }i }ef

`bdodhboj dffmx i` bdmbpbmvojx odm hisqiso}fx$ Ijm Gv}voj qjh bx od bd}fsdo}bidoj `bdodhboj xfspbhfx

nsivq* ~eixf oh}bpb}bfx osf `ihvxfm id oxxf} no}efsbdn odm oxxf} godonfgfd}$

Cbsjo Xvd Jb`f Bdxvsodhf Higqodr J}m$

Cbsjo Xvd Jb`f Bdxvsodhf bx o kibd} pfd}vsf cf}~ffd }ef Omb}ro Cbsjo Nsivq odm Xvd Jb`f @bdodhboj*

Cbsjo Xvd Jb`f `isorbdn bd}i }ef jb`f bdxvsodhf odm sf}bsfgfd} qjoddbdn cvxbdfxx$ ]ef Omb}ro Cbsjo

Nsivq eox o }vsdipfs hjixf }i Sx$ 85111 hsisfx %ox id Goshe 8?* 3110" odm bx idf i` }ef josnfx}

cvxbdfxx eivxfx bd Bdmbo$ Xvd Jb`f @bdodhboj Bdh$ bx o jfombdn bd}fsdo}bidoj `bdodhboj xfspbhf

isnodb{o}bid qsipbmbdn o mbpfsxf sodnf i` ~foj}e ohhvgvjo}bid odm qsi}fh}bid qsimvh}x odm xfspbhfx

}i bdmbpbmvojx odm hisqiso}f hvx}igfsx$ ]sohbdn b}x sii}x cohl }i ?506* Xvd Jb`f @bdodhboj odm b}x

qos}dfsx }imor eopf iqfso}bidx bd lfr goslf}x ~isjm~bmf* bdhjvmbdn Hodomo* }ef Vdb}fm X}o}fx* }ef

Vdb}fm Lbdnmig* Eidn Lidn* }ef Qebjbqqbdfx* Koqod* Bdmidfxbo* Bdmbo* Hebdo odm Cfsgvmo$ Ox i`

Goshe 8?* 3110* }ef Xvd Jb`f @bdodhboj nsivq i` higqodbfx eom }i}oj oxxf}x vdmfs godonfgfd} i`

VXM 8=8 cbjjbid$

]o}o OBN Jb`f Bdxvsodhf Higqodr J}m$

]o}o OBN Jb`f Bdxvsodhf Higqodr Jbgb}fm odm ]o}o OBN Nfdfsoj Bdxvsodhf Higqodr Jbgb}fm

%hijjfh}bpfjr .]o}o OBN." osf kibd} pfd}vsfx i` }ef ]o}o Nsivq odm Ogfsbhod Bd}fsdo}bidoj Nsivq* Bdh

%OBN"$ ]o}o OBN higcbdfx }ef x}sfdn}e i` }ef ]o}o Nsivq ~b}e OBN.x bd}fsdo}bidoj fuqfs}bxf odm

`bdodhboj x}sfdn}e$ ]ef ]o}o Nsivq eijmx >= qfs hfd} x}olf bd }ef bdxvsodhf pfd}vsf ~b}e OBN eijmbdn

}ef cojodhf 30 qfshfd}$ ]o}o OBN Jb`f qsipbmfx bdxvsodhf xijv}bidx }i bdmbpbmvojx odm hisqiso}fx

]o}o OBN Jb`f Bdxvsodhf Higqodr ~ox jbhfdxfm }i iqfso}f bd Bdmbo id @fcsvosr ?3* 311? odm x}os}fm

iqfso}bidx id Oqsbj ?* 311?$

XCB Jb`f Bdxvsodhf Higqodr Jbgb}fm$


46/77

XCB Jb`f Bdxvsodhf bx o kibd} pfd}vsf cf}~ffd }ef X}o}f Codl i` Bdmbo odm Hosmb` XO i` @sodhf$ XCB

Jb`f Bdxvsodhf bx sfnbx}fsfm ~b}e od ov}eisb{fm hoqb}oj i` Sx 611 hsisf odm o qobm vq hoqb}oj i` Sx

611 hsisfx$ XCB i~dx >=& i` }ef }i}oj hoqb}oj odm Hosmb` }ef sfgobdbdn 30&$ X}o}f Codl i` Bdmbo

fdkirx }ef josnfx} codlbdn `sodhebxf bd Bdmbo$ Ojidn ~b}e b}x > Oxxihbo}f Codlx* XCB Nsivq eox }ef

vdsbpojjfm x}sfdn}e i` ipfs ?=*611 csodhefx ohsixx }ef hivd}sr* }ef josnfx} bd }ef ~isjm$ Hosmb` bx o~eijjr i~dfm xvcxbmbosr i` CDQ Qosbcox* ~ebhe bx ]ef Fvsi [idfx jfombdn Codl$ CDQ Qosbcox bx

idf i` }ef ijmfx} ìsfbnd codlx ~b}e o qsfxfdhf bd Bdmbo mo}bdn cohl }i ?501$ Hosmb` bx sodlfm 3dm

~isjm~bmf bd hsfmb}isx bdxvsodhf i``fsbdn qsi}fh}bid }i ipfs 86 gbjjbid qijbhreijmfsx odm df}

bdhigf bd fuhfxx i` Fvsi ? cbjjbid gosl$ Hosmb` eox ojxi cffd o qbidffs bd }ef os} i` xfjjbdn bdxvsodhf

qsimvh}x }esivne higgfshboj codlx bd @sodhf odm 8= gisf hivd}sbfx$

Cokok Ojjbod{ Jb`f Bdxvsodhf Higqodr Jbgb}fm

Cokok Ojjbod{ Jb`f Bdxvsodhf Hi$ J}m$ bx o kibd} pfd}vsf cf}~ffd }~i jfombdn hidnjigfso}fx' Ojjbod{

ON* idf i` }ef ~isjm.x josnfx} bdxvsodhf higqodbfx* odm Cokok Ov}i* idf i` }ef cbnnfx} 3 odm 8

~effjfs godvòh}vsfsx bd }ef ~isjm$ Heosoh}fsb{fm cr njicoj qsfxfdhf ~b}e o jihoj ìhvx odm msbpfd

cr hvx}igfs isbfd}o}bid }i fx}ocjbxe ebne fosdbdnx qi}fd}boj odm `bdodhboj x}sfdn}e* Cokok Ojjbod{ Jb`f

Bdxvsodhf Hi$ J}m$ ~ox bdhisqiso}fm id ?3}e Goshe 311?$


47/77

HEOQ]FS 8

BD]SIMVH]BID ]I X]VMR

HVX]IGFS CVRBDN CFEOPBIVS

BD JB@F BDXVSODHF BDMVX]SR

Hvx}igfs Cvrbdn Cfeopbivs

Bd}simvh}bid


48/77

Hidxvgfs bx }ef lbdn odm b} bx }ef hidxvgfs mf}fsgbdfx ~eo} o cvxbdfxx bx* }efsfìsf o xivdm

goslf}bdn qsinsoggf x}os} ~b}e o hosf`vj odojrxbx i` }ef eocb}x* o}}b}vmfx* gi}bpfx odm dffmx i`

hidxvgfsx$

Mf`bdb}bid i` Cvrbdn Cfeopbivs

Cvrbdn Cfeopbis bx }ef mfhbxbid qsihfxxfx odm oh}x i` qfiqjf bdpijpfm bd cvrbdn odm vxbdn qsimvh}x$

Hidxvgfs cvrbdn cfeopbivs

Hidxvgfs Cvrbdn Cfeopbis sf`fsx }i }ef cvrbdn cfeopbis i` }ef vj}bgo}f hidxvgfs$ O `bsg dffmx }i

odojr{f cvrbdn cfeopbis ìs;

Cvrfsx sfoh}bidx }i o `bsgx goslf}bdn x}so}fnr eox o nsfo} bgqoh} id }ef `bsgx xvhhfxx$

]ef goslf}bdn hidhfq} x}sfxxfx }eo} o `bsg xeivjm hsfo}f o Goslf}bdn Gbu %GG" }eo} xo}bx`bfx

%nbpfx v}bjb}r }i" hvx}igfsx* }efsfìsf dffm }i odojr{f }ef ~eo}* ~efsf* ~efd odm ei~

hidxvgfsx cvr$

Goslf}fsx hod cf}}fs qsfmbh} ei~ hidxvgfsx ~bjj sfxqidm }i goslf}bdn x}so}fnbfx$

Ei~ Hidxvgfs Cvr

?$ Dffm)ôd})Mfxbsf bx Sfhindb{fm

Bd }ef `bsx} x}fq }ef hidxvgfs eox mf}fsgbdfm }eo} ìs xigf sfoxid ef)xef bx di} xo}bx`bfm %b$f$*

hidxvgfsx qfshfbpfm oh}voj hidmb}bid" odm ~od}x }i bgqsipf ebx)efs xb}vo}bid %b$f$* hidxvgfsx

qfshfbpfm mfxbsfm hidmb}bid"$ @is bdx}odhf* bd}fsdoj }sbnnfsx* xvhe ox evdnfs is }ebsx}* gor }fjj }ef

hidxvgfs }eo} ìim is msbdl bx dffmfm$ Fu}fsdoj òh}isx hod ojxi }sbnnfs hidxvgfsx dffmx$ Goslf}fsx

osf qos}bhvjosjr niim o} }ebx }esivne ompfs}bxbdn* bd'x}isf mbxqjorx odm fpfd }ef bd}fd}bidoj vxf i`

xhfd} %f$n$* qfs`vgf hivd}fsx"$

3$ Xfoshe ìs Bdìsgo}bid

Oxxvgbdn hidxvgfsx osf gi}bpo}fm }i xo}bx`r ebx is efs dffm* }efr ~bjj dfu} vdmfs}olf o xfoshe ìs

bdìsgo}bid id qixxbcjf xijv}bidx$ ]ef xivshfx vxfm }i ohvbsf }ebx bdìsgo}bid gor cf ox xbgqjf ox

sfgfgcfsbdn bdìsgo}bid `sig qox} fuqfsbfdhf %b$f$* gfgisr" is }ef hidxvgfs gor fuqfdm
http://www.udel.edu/alex/chapt1.html#mixhttp://www.udel.edu/alex/chapt1.html#mix


49/77

hidxbmfsocjf f`ìs} }i jiho}f bdìsgo}bid `sig iv}xbmf xivshfx %f$n$* Bd}fsdf} xfoshe* }ojl ~b}e i}efsx*

f}h$"$ Ei~ gvhe f`ìs} }ef hidxvgfs mbsfh}x }i~osm xfoshebdn mfqfdmx id xvhe òh}isx ox; }ef

bgqis}odhf i` xo}bx`rbdn }ef dffm* ògbjbosb}r ~b}e opobjocjf xijv}bidx* odm }ef ogivd} i` }bgf

opobjocjf }i xfoshe$

8$ Fpojvo}f Iq}bidx

Hidxvgfsx xfoshe f`ìs}x gor sfxvj} bd o xf} i` iq}bidx `sig ~ebhe o heibhf hod cf gomf$ B} xeivjm

cf di}fm }eo} }efsf gor cf }~i jfpfjx }i }ebx x}onf$ O} jfpfj idf }ef hidxvgfs gor hsfo}f o xf} i`

qixxbcjf xijv}bidx }i }efbs dffmx %b$f$* qsimvh} }rqfx" ~ebjf o} jfpfj }~i }ef hidxvgfs gor cf

fpojvo}bdn qos}bhvjos qsimvh}x %b$f$* csodmx" ~b}ebd fohe xijv}bid$ @is fuogqjf* o hidxvgfs ~ei

dffmx }i sfqjohf o }fjfpbxbid eox gvj}bqjf xijv}bidx }i heiixf `sig xvhe ox qjoxgo* JHM odm HS]

}fjfpbxbid$

=$ Qvsheoxf

Bd godr hoxfx }ef xijv}bid heixfd cr }ef hidxvgfs bx }ef xogf ox }ef qsimvh} ~eixf fpojvo}bid bx

}ef ebnefx}$ Ei~fpfs* }ebx gor heodnf ~efd b} bx oh}vojjr }bgf }i golf }ef qvsheoxf$ ]ef bd}fdmfm

qvsheoxf gor cf oj}fsfm o} }ef }bgf i` qvsheoxf ìs godr sfoxidx xvhe ox; }ef qsimvh} bx iv}'i`'

x}ihl* o higqf}b}is i``fsx od bdhfd}bpf o} }ef qibd}'i`'qvsheoxf %f$n$* x}isf xojfxqfsxid gfd}bidx o

higqf}b}isx i``fs"* }ef hvx}igfs johlx }ef dfhfxxosr `vdmx %f$n$* hsfmb} hosm di} ~islbdn"* is

gfgcfsx i` }ef hidxvgfsx sf`fsfdhf nsivq }olf o dfno}bpf pbf~ i` }ef qvsheoxf %f$n$* `sbfdm bx

hsb}bhoj i` qvsheoxf"$

6$ O`}fs'Qvsheoxf Fpojvo}bid

Idhf }ef hidxvgfs eox gomf }ef qvsheoxf }efr osf òhfm ~b}e od fpojvo}bid i` }ef mfhbxbid$ B` }ef

qsimvh} qfsìsgx cfji~ }ef hidxvgfsx fuqfh}o}bid }efd ef)xef ~bjj sf'fpojvo}f xo}bxòh}bid ~b}e }ef

mfhbxbid* ~ebhe o} b}x fu}sfgf gor sfxvj} bd }ef hidxvgfs sf}vsdbdn }ef qsimvh} ~ebjf bd jfxx fu}sfgf

xb}vo}bidx }ef hidxvgfs ~bjj sf}obd }ef qvsheoxfm b}fg cv} gor }olf o dfno}bpf pbf~ i` }ef qsimvh}$

Xvhe fpojvo}bidx osf gisf jblfjr }i ihhvs bd hoxfx i` fuqfdxbpf is ebnejr bgqis}od} qvsheoxfx$ ]i

efjq foxf }ef hidhfsdx hidxvgfsx eopf ~b}e }efbs qvsheoxf fpojvo}bid* goslf}fsx dffm }i cf

sfhfq}bpf odm fpfd fdhivsonf hidxvgfs hid}oh}$ Hvx}igfs xfspbhf hfd}fsx odm ìjji~'vq goslf}

sfxfoshe osf vxf`vj }iijx bd efjqbdn }i ommsfxx qvsheoxfsx hidhfsdx$


50/77


51/77

HEOQ]FS =

ICKFH]BPF I@ ]EF X]VMR

ICKFH]BPF I@ ]EF X]VMR


52/77

ICKFH]BPF

Ickfh}bpfIdf

]i ldi~ ociv} }ef qsimvh}x i` EM@H X}odmosm Jb`f Bdxvsodhf$

]i mf}fsgbdf sfoxidx cfebdm iq}bdn ìs od bdxvsodhf$

]i qsipbmf }ef higqodr ~b}e bdìsgo}bid i` hvx}igfs.x Bdxvsodhf qijbhr b` }efr eopf odr odm

sfoxidx ìs iq}bdn ìs }eo} qos}bhvjos qijbhbfx$

]i ldi~ }ef gix} qsf`fssfm qijbhr$

Ickfh}bpf]~i

]i mf}fsgbdf hvx}igfsx qfshfq}bid }i~osmx qsbpo}f bdxvsodhf higqodbfx odm }efbs fuqfh}o}bid

ìsg qsbpo}f bdxvsodhf higqodbfx$

]i mf}fsgbdf }ef `ffmcohl id xfspbhfx qsipbmfm cr odr i}efs bdxvsodhf onfd}$

]i x}vmr }ef }rqfx i` cfdf`b}x qsipbmfm cr bdxvsodhf xfspbhfx$


53/77

HEOQ]FS 6

SFXFOSHE GF]EIMIJINR

SFXFOSHE GF]EIMIJINR


54/77


55/77

HIJJFH]BID I@ MO]O;

Hijjfh}bid i` }ef mo}o ìs }ef x}vmr hod cf mso~d `sig ìjji~bdn gf}eimx ìs x}vmr$

Xivshfx i` }ef mo}o;

O`}fs mf}fsgbdbdn }ef ickfh}bpfx i` x}vmr odm sfxfoshe mfxbnd* }ef dfu} bgqis}od} x}fq bx mo}o

hijjfh}bid gf}eim$ ]efsf osf }~i }rqfx i` mo}o xivshfx;

Qsbgosr mo}o

Xfhidmosr mo}o

Qsbgosr mo}o

Qsbgosr mo}o bx }eo} ~ebhe bx hijjfh}fm `sfxe odm }evx eoqqfd }i cf isbnbdoj bd heosoh}fs$ B} ~ox

hijjfh}fm }esivne vfx}biddobsf qsfqosfm hid}obdx sfjfpod} vfx}bidx }eo} osf ci}e hjixf fdmfm odm

iqfdfm$ B eopf hijjfh}fm gobdjr }ef Qsbgosr Mo}o ìs gr x}vmr cr v}bjb{bdn }ef vfx}biddobsf

gf}eimx$

Xfhidmosr mo}o

Xfhidmosr mo}o bx odr mo}o* ~ebhe eopf cffd no}efsfm fosjbfs ìs xigf i}efs qvsqixf$ ]efxf mo}o osf

hijjfh}fm `sig qvcjbxefm xivshfx xvhe ox xfpfsoj ciilx odm ojxi `sig }ef efjq i` ~fc xb}f$

Sfoxid ìs xfjfh}bdn qsbgosr mo}o;

Bd }fsgx i` qsbgosr mo}o x}svh}vsf vfx}biddobsf ~ox qsfqosfm }i bd}fspbf~ }ef qsi`fxxbidoj

eivxf~bpfx* bdpfx}gfd} hidxvj}od}* Nip}$ Fgqjirffx odm i}efs bd Kbdm jiho}bid$ Odojrxbx hjfosjr

sf`jfh}fm }ef pbf~x odm qsf`fsfdhf sfnosmbdn }ef qfshfq}bid i` }ef qfiqjf }i~osmx kibdbdn EM@H

x}odmosm jb`f$

XOGQJBDN GF]EIMIJINR

Xogqjbdn gf}eim;

]ef sfxfoshefs eom heibhf cf}~ffd qsicocbjb}r odm did qsicocbjb}r xogqjbdn gf}eimx$ Bd }ebx

x}vmr o xbgqjf did qsicocbjb}r gf}eim dogfjr hidpfdbfdhf xogqjbdn ~ox omiq}fm$

@is gr x}vmr B eopf xfjfh}fm Did'qsicocbjb}r gf}eim bd ~ebhe B xfjfh}fm hidpbdhbdn

xogqjbdn gf}eim$

Xogqjbdn Vdb};

]ef sfxqidmfd}x ~ei ~fsf oxlfm }i `bjj iv} vfx}biddobsfx osf }ef xogqjbdn vdb}x$ ]efxf higqsbxf i`

Nip}$ Fgqjirffx* Xfj` Fgqjirfm* qsi`fxxbidojx* eivxf~bpfx f}h$

Xogqjf xb{f;


56/77

]ef xogqjf xb{f ~ox sfx}sbh}fm }i idjr 36* ~ebhe higqsbxfm i` qfiqjfx `sig Kbdm mvf }i }bgf

hidx}sobd}x$

Xogqjbdn Osfo;

]ef osfo i` }ef sfxfoshe ~ox Kbdm %Eosrodo"* BDMBO$

@BFJM ÎSL;

Xvspfr ~ox midf bd KBDM$

]ef mo}o ~ox hijjfh}fm ipfs o qfsbim i` 6 morx ~b}ebd KBDM hb}r vxbdn ~fjj x}svh}vsfm vfx}biddobsf$

Qjod i` }ef mo}o odojrxbx;

Qjoddbdn odm odojrxbx i` mo}o hod cf midf }esivne }esff x}fqx$ ]efr osf fmb}bdn himbdn }ocvjo}bid$

]efxf }esff osf pfsr bgqis}od} bd odojr{bdn }ef mo}o$

Fmb}bdn;

Fmb}bdn bx }ef qsihfxx i` fuogbdbdn fssisx ~efd }efsf bx xigf bdhidxbx}fdhr bd }ef sfxqidxfx ox

fd}fsfm bd }ef vfx}biddobsf is ~efsf b} hid}obdx qos}boj is ponvf odx~fsx$

Himbdn;

Himbdn bx dfhfxxosr }i hossriv} }ef xvcxfvfd} iqfso}bidx i` }ocvjo}bdn odm odojr{bdn mo}o$ B` himbdn

bx di} midf* b} ~bjj di} cf qixxbcjf }i sfmvhf o josnf dvgcfs i` ef}fsinfdfivx sfxqidxfx bd}i

gfodbdn`vj ho}fnisbfx ~b}e }ef sfxvj} }eo} }ef odojrxbx i` mo}o ~ivjm cf ~fol odm bdf``fh}bpf odm

~b}eiv} qsiqfs ìhvx$

]ocvjo}bid;

]ocvjo}bid higqsbxfx xis}bdn i` }ef mo}o bd}i mb``fsfd} ho}fnisbfx odm hivd}bdn }ef dvgcfs i` hoxfx

}eo} cfjidn }i ho}fnisr }ef xbgqjfx} ~or }i }ocvjo}f bx }i hivd} }ef dvgcfs i` sfxqidxfx }i idf

vfx}bid$ ]ebx bx hojjfm vdbposbo}f }ocvjo}bid$ êfsf }~i is gisf posbocjfx osf bdpijpfm bd

}ocvjo}bid* b} bx hojjfm cbposbo}f is gvj}bposbo}f }ocvjo}bid$ Bd goslf}bdn sfxfoshe qsikfh}x odm

nfdfsojjr ci}e }rqfx i` }ocvjo}bid osf vxfm$


57/77

HEOQ]FS 0

MO]O ODOJRXBX ODM BD]FSQSF]O]BID


58/77

MO]O ODOJRXBX ODM BD]FSQSF]O]BID

Mo}o xei~x sfxqidmfd}x qfshfq}bid ociv} cfx} ìsg i` bdpfx}gfd} ìs xfhvsbdn }efbs

`v}vsf

SFXQIDXF Di$ i` Sfxqidmfd}x XEOSF %"

@bufm Oxxf}x ?8 63

Codl Mfqixb}x = ?0

Higgimb}r 1 1

Xfhvsb}bfx 1 1

Bdxvsodhf 0 3=

Sfoj Fx}o}f 3 5

]i}oj 36 ?11

BD]FSQSF]O]BID;'

63& i` }ef sfxqidmfd}x ox ~b}e }ef pbf~ }eo} @bufm Oxxf}x bx }ef cfx} ìsg i` bdpfx}gfd}

ìs xfhvsbdn }efbs `v}vsf$

3=& i` }ef sfxqidmfd}x osf ~b}e }ef qfshfq}bid }eo} Bdxvsodhf bx }ef cfx} ìsg i`

bdpfx}gfd} ìs xfhvsbdn }efbs `v}vsf* ~ebhe bx idf i` }ef ebnefx} odm }ebx xei~x }eo} bdxvsodhf bx

od bgqis}od} lfr ìs xfhvsbdn rivs `v}vsf$

63&

?0&

1&1&

3=&

5&

`bufm oxxf}x

codl mfqixb}

higgimb}r

xfhvsb}bfx

bdxvsodhf

sfoj fx}o}f


59/77

Mo}o xei~x qfiqjfx eopbdn bdxvsodhf

SFXQIDXF DI$ I@

SFXQIDMFD]X

XEOSF %"

Rfx 3? 5=

Di =

]i}oj 36 ?11

5=&

?0&

rfx

di

BD]FSQSF]O]BID

I` }ef xogqjf xb{f i` 36 xvspfrfm sfxqidmfd}x 5=& i` }ef sfxqidmfd}x osf eopbdn

Bdxvsodhf qijbhr$

?0& i` }ef sfxqidmfd}x bx fb}efs di} eopbdn odr Bdxvsodhf qijbhr o} qsfxfd} is }efbs

qijbhr bx ojsfomr go}vsfm$


60/77

Mo}o nbpfx qfiqjfx qfshfq}bid id oqqsiqsbo}f onf `is cvrbdn bdxvsodhf

SFXQIDXF DI$ I@

SFXQIDMFD]X

XEOSF %"

O`}fs 36 rfosx 0 3=

O`}fs 86 rfosx = ?0

O`}fs =6 rfosx 1 1

Odr}bgf ?6 01

3=&

?0&

1&

01&

O`}fs 36 Rsx$

O`}fs 86 Rsx

O`}fs =6 Rsx

Odr}bgf

BD]FSQSF]O]BID

3=& i` }ef sfxqidmfd}x osf ~b}e }ef pbf~ }eo} bdxvsodhf xeivjm cf civne} o`}fs }ef onf

i` 36 rfosx$

?0& i` }ef sfxqidmfd}x osf ~b}e }ef pbf~ }eo} bdxvsodhf xeivjm cf cvrbdn o`}fs }ef onf

i` 86 rfosx$

^efsfox* 01& i` }ef sfxqidmfd}x osf ~b}e }ef pbf~ }eo} cvrbdn i` bdxvsodhf mi di} eopf

odr }ebdn }i mi ~b}e onf b$f$ }efsf bx di onf jbgb}o}bidx$ B} hod cf qvsheoxfm odr }bgf ohhismbdn

}i }ef dffm$


61/77

Mo}o xei~x qfiqjf iqbdbid ociv} Bdmbod bdxvsodhf higqodbfx

SFXQIDXF DI$ I@

SFXQIDMFD]X

XEOSF %"

Sbnbm qjodx ? 8

Vdxo}bxòh}isr xfspbhfx 1 ?=

Did Onnsfxxbpf 3 >

Xo}bxòh}isr ?3 =3

Niim > 3=

Pfsr niim 8 ?1

8&

?=&

>&

=3&

3=&

?1&

Sbnbm qjod

Vdxo}bxòh}isr

xfspbhfxDid'Onnsoxxbpf

Xo}bxòh}isr

Niim

Pfsr Niim

BD]FSQSF]O]BID

8& i` }ef sfxqidmfd}x eopf }ef iqbdbid }eo} Bdmbod Bdxvsodhf Higqodbfx eopf sbnbm

qjodx$

?=& `ffj }eo} xfspbhfx i` Bdmbod Bdxvsodhf higqodbfx osf Vdxo}bxòh}isr$

>& i` }ef sfxqidmfd}x osf ~b}e }ef pbf~ }eo} Bdmbod Bdxvsodhf higqodbfx osf Did'

onnsfxxbpf$

=3& i` }ef sfxqidmfd}x `ffj }eo} qsimvh}x odm xfspbhfx i` Bdmbod Bdxvsodhf higqodbfx bx

Xo}bxòh}isr$

êfsfox 3=& `ffj }eo} b} bx Niim fdivne$

Odm ohhismbdn }i }ef mo}o* idjr ?1& eox `ffj }eo} b} bx pfsr niim$


62/77

Mo}o xei~x ~eo} qfiqjf ~ivjm jiil ìs bd od bdxvsodhf higqodr

SFXQIDXF DI$ I@SFXQIDMFD]X

XEOSF %"

O ]svx}fm Dogf 5 83

@sbfdmjr Xfspbhf

Sfxqidxbpfdfxx

1 1

Niim Qjodx 5 83

Ohhfxxbcbjb}r 1 1

Sbxl Hipfsonf 6 31

Bdpfx}gfd} Cfdf`b} = ?0

83&

1&

83&

1&

31&

?0&

]svx}fm Dogf

@sbfdmjr xfspbhf

sfxqidxbpfdfxxNiim qjodx

Ohhfxxbcbjb}r

Sbxl hipfsonf

Bdpfxgfd} cfdf`b}

BD]FSQSF]O]BID 83& hvx}igfsx jiil ìs o ]svx}fm dogf bd o higqodr ìs bdxvsodhf$

83& hvx}igfsx jiil ìs o niim qjod bd o higqodr ìs bdxvsodhf$

Sbxl hipfsonf Bdpfx}gfd} cfdf`b} osf ojxi bgqis}od} òh}isx jiilfm cr hvx}igfsx bd o

higqodr$


63/77

Mo}o nbpfx qsf`fsfdhf i` sfxqidmfd}x i` bdxvsodhf higqodbfx

HIGQODRX DOGFDI$I@

SFXQIDMFD]XEOSF %"

JBH ?5 0=

BHBHB QSVMFD]BOJ 8 ??

XCB Jb`f Bdxvsodhf 1 1

EM@H X}odmosm Jb`fBdxvsodhf 3 >

SFJBODHF Jb`f Bdxvsodhf 3 >

]O]O OBN Jb`f Bdxvsodhf 8 ??

BD]FSQSF]O]BID

0=& i` }ef qfiqjf hid}oh}fm qsf`fs JBH qijbhr }i odr i}efs odm }efsf`isf b} bx sodlfm di$? cr

}eo} qfshfd} i` sfxqidmfd}x$

^efsfox idjr >& i` }ef qfiqjf hid}oh}fm qsf`fs EM@H X}odmosm Jb`f Bdxvsodhf qijbhr$

0=&??&

1&

>&

>&

??&

JBH

BHBHB Qsvmfd}boj

XCB Jb`f

EM@H X}odmosmJb`fSfjbodhf Jb`f

]O]O OBN


64/77

Mo}o qsipbmfx `fo}vsfx i` bdxvsodhf qijbhr }eo} o}}soh}fm sfxqidmfd}x

@FO]VSF DI$I@

SFXQIDMFD]X

XEOSF %"

Ji~ qsfgbvg > 88

Josnfs Sbxl Hipfsodhf 8 ?=

Gidfr Cohl Nvosod}ff ?1 =5

Higqodrx Sfqv}o}bid ? 6

Foxr Ohhfxx }i Onfd}x 1 1

88&

?=&

=5&

6&1&

ji~ qsfgbvg

josnfs sbxl

hipfsodhf

gidfr cohl

nvosod}ff

Hi.x sfqv}o}bid

foxr ohhfxx }i

onfd}x

BD]FSQSF]O]BID

Gokisb}r i` }ef sfxqidmfd} %=5&" `ivdm Gidfr Cohl Nvosod}ff ox }ef gix} o}}soh}fm

`fo}vsf i` }ef ojj$


65/77

Mo}o xei~x xo}bx`oh}bid i` sfxqidmfd}x ~b}e sfxqfh} }i qijbhr

SFXQIDXF DI$ I@SFXQIDMFD]X

XEOSF %"

Xo}bx`bfm 31 26

Di} xo}bx`bfm ? 6

26&

6&

xo}bx`bfm

Di} xo}bx`bfm

BD]FSQSF]O]BID

26& i` }ef sfxqidmfd}x osf gisf is jfxx xo}bx`bfm ~b}e }efbs fubx}bdn qijbhr$

6& i` }ef sfxqidmfd}x osf di} xo}bx`bfm ~b}e }efbs fubx}bdn qijbhr$

Bd }ebx hoxf ojj i` }eixf ~ei eopf }olfd o qijbhr eopf sfxqidmfm$


66/77

Mo}o xei~x xo}bx`oh}bid i` sfxqidmfd}x ~b}e sfxqfh} }i xfspbhf onfd}

SFXQIDXF DI$ I@

SFXQIDMFD]X

XEOSF %"

Xo}bx`bfm ?2 21

Di} xo}bx`bfm 3 ?1

21&

?1&

xo}bx`bfm

Di} xo}bx`bfm

BD]FSQSF]O]BID

21& i` }ef sfxqidmfd}x osf xo}bx`bfm ~b}e }efbs fubx}bdn xfspbhf onfd}$

?1& i` }ef sfxqidmfd}x osf di} xo}bx`bfm ~b}e }efbs fubx}bdn bdxvsodhf onfd}$

Ojj i` }eixf ~ei eopf }olfd o qijbhr eopf sfxqidmfm$


67/77

Mo}o nbpfx qfiqjf qfshfq}bid ociv} bdxvsodhf

SFXQIDXF DI$ I@

SFXQIDMFD]X

XEOSF %"

O xopbdn }iij 2 80

O }ou xopbdn mfpbhf ?1 =1

O }iij }i qsi}fh} rivs ogbjr 0 3=

80&

=1&

3=&

xopbdn }iij

}ou xopbdn mfpbhf

}iij }i qsi}fh} rivs

`ogbjr

BD]FSQSF]O]BID

80& i` }ef sfxqidmfd}x eopf qfshfq}bid i` Bdxvsodhf cfbdn o xopbdn }iij$

=1& i` }ef sfxqidmfd}x eopf qfshfq}bid i` Bdxvsodhf cfbdn o }ou xopbdn mfpbhf$

Odm3=& i` }ef sfxqidmfd}x osf ~b}e }ef pbf~ }eo} Bdxvsodhf bx o }iij }i qsi}fh} rivs

`ogbjr$


68/77

HEOQ]FS >

JBGB]O]BIDX ODM SFHIGGFDMO]BIDX


69/77

JBGB]O]BID I@ ]EF X]VMR;

]ef fubx}bdn hvx}igfsx mbm di} eopf fdivne }bgf }i xqosf ìs }ef xvspfr$

@ffmcohl `sig }ef sfxqidmfd}x gor cf cboxfm$

Xogqjf Osfo; ]ef x}vmr bx hidmvh}fm ~b}ebd }ef hb}r i` Kbdm odm }efsfìsf }ef hidhjvxbidmfsbpfm ~bjj }i }ef iqbdbid i` }ef sfxbmfd}x$

Hix} hidx}sobd}; Xvspfr bx jb}}jf hix}jr$

Xogqjf Xb{f; }ef bd}fdmfm xogqjf xb{f bx idjr 36* ~ebhe gor di} nbpf o }svf qbh}vsf i` }ef

hidxvgfs bdpfx}gfd} qo}}fsd$

]bgf hidx}sobd}; Xbdhf }ef qsikfh} bx }i cf hidmvh}fm ojidf ~b}e id }ef kic }sobdbdn }efsf bx

}bgf hidx}sobd} bd gff}bdn qfiqjf$

SFHIGGFDMO]BIDX;

Ox }ef qfiqjf }ebdl }eo} bdxvsodhf bx o }iij }i qsi}fh} }efbs ògbjr o }ou xopbdn mfpbhf

]efr osf o~osf i` }ef òh} sfojb{bdn b}x* bgqis}odhf$ ]ef higqodr xeivjm }sr }i fuqodm

cvbjm vq b}x bd`sox}svh}vsf cfhovxf }efsf bx o josnf qi}fd}boj ìs bdxvsodhf bd Bdmbo$

Higqodr xeivjm higf vq ~b}e b}x csodhe bd KBDM$ ^b}e }ef ickfh}bpf odm niojx }i gff}

}ef mfgodmx fuqfh}o}bidx i` }ef qvcjbh$ Cfhovxf }ef fd}sodhf i` qsbpo}f qjorfsx ~bjj bdhsfoxf

}ef higqf}b}bid odm b} ~ivjm cf o }ivne }oxl }i xfhvsf o niim qixb}bid bd goslf}$

Xbdhf EM@H X}odmosm Jb`f Bdxvsodhf Higqodr J}m bx jfombdn ~b}e xfpfsoj higqodbfx

qijbhbfx b} xeivjm cf foxr ìs }efg }i qfdf}so}f bd}i }ef goslf} odm xfhvsf o niim qixb}bid b`

}efr qor nsfo}fs o}}fd}bid }i }ef xfspbhf qos} qsipbmfm }i }efbs hvx}igfs odm }efsfcr ìsgbdn o

jidn odm }svx}fm sfjo}bidxebq$


70/77

Ox }ef o~osfdfxx i` bdxvsodhf bx jfxx ogidn }ef qfiqjf* b}x o~osfdfxx xeivjm cf

hsfo}bdn ogidn }ef qfiqjf cr hidmvh}bdn x}onf xei~x odm fuqjobdbdn b}x dffm odm bgqis}odhf$

Bdxvsodhf xeivjm di} cf hidxbmfsfm idjr ox o sbxl hipfs fjfgfd} cv} ojxi ox o jidn }fsg

bdpfx}gfd}$

B} bx ojxi sfhiggfdmfm }i hidhfd}so}f }i id ji~fs bdhigf nsivq qfiqjf$

@ijji~ vq xeivjm cf }olfd odm hvx}igfs sfjo}bid xeivjm cf gobd}obdfm cr }ef bdpb}bdn

}ef fubx}bdn hvx}igfsx }i }ef xfgbdosx hidmvh}fm ~efd jovdhebdn o df~ qsimvh} is odr heodnfx

osf gomf }i }ef qsimvh}x is svjfx }i sf}obd }efg$

HEOQ]FS 5

HIDHJVXBID


71/77

HIDHJVXBID

Ivs fueovx}bpf sfxfoshe bd }ef `bfjm i` Jb`f Bdxvsodhf }esf~ vq xigf bd}sfx}bdn }sfdmx ~ebhe hod cf

xffd bd }ef ocipf odojrxbx$ O nfdfsoj bgqsfxxbid }eo} ~f no}efsfm mvsbdn Mo}o hijjfh}bid ~ox }ef

bggfdxf o~osfdfxx odm ldi~jfmnf ogidn qfiqjf ociv} posbivx higqodbfx odm }efbs bdxvsodhf

qsimvh}x$ Qfiqjf osf cfnbddbdn }i jiil cfridm JBH ìs }efbs bdxvsodhf dffmx odm osf ~bjjbdn }i }svx}

qsbpo}f qjorfsx ~b}e }efbs eosm fosdfm gidfr$

Qfiqjf bd nfdfsoj eopf cffd bgqsfxxbidfm cr }ef goslf}bdn odm ompfs}bxbdn hogqobndx i` bdxvsodhf

higqodbfx$ O ebne qfdf}so}bid i` qsbd}* sombi odm ]fjfpbxbid om hogqobndx ipfs }ef rfosx bx

cfnbddbdn }i eopf b}x bgqoh} di~$

Odi}efs efos}fdbdn }sfdm ~ox bd }fsgx i` qfiqjf pbf~bdn bdxvsodhf ox o }ou xopbdn odm bdpfx}gfd}

bdx}svgfd} ox gvhe ox o qsi}fh}bpf idf$ O pfsr ebne dvgcfs i` sfxqidmfd}x eopf iq}fm ìs bdxvsodhf

ìs xvhe qvsqixfx odm b} xei~x ei~ bdxvsodhf higqodbfx eopf cffd xvhhfxx`vj }i o}}soh} qvcjbh

gidfr bd sfhfd} }bgfx$

]ef nfdfsoj xo}bxòh}bid jfpfjx ogidn qvcjbh ~b}e sfnosmx }i qijbhr odm onfd}x x}bjj sfvbsfx

bgqsipfgfd}$ Cv} }efsfbd jbfx }ef iqqis}vdb}r ìs o sfjo}bpf df~ higfs jblf EM@H X}odmosm Jb`f

Bdxvsodhf Higqodr J}m$ JBH eox dfpfs cffd ldi~d ìs qsigq} xfspbhf is hvx}igfs isbfd}fm

gf}eimx odm EM@H X}odmosm Jb`f hod cvbjm id }efxf òh}isx$


72/77

CBCJBINSOQER

^FCXB]FX SF@@FSFM;

~~~$bsmo$hig

~~~$em`hbdxvsodhf$hig

~~~$bdxvsodhf$bdm$hig

~~~$gidfriv}jiil$hig

~~~$niinjf$hig

CIILX;

Jb`f'Bdxvsodhf* Cr Gh Nbjj


73/77

ODDFUVSF


74/77

_vfx}biddobsf

Mfos Xbs) Gomog*

B og o x}vmfd} i` Kbdm Bdx}b}v}f i` Fdnn$ ]fhedijinr* Kbdm$ Ox qos} i` }ef sfvbsfgfd}x ìs gr

Gox}fsx Mfnsff bd Cvxbdfxx Omgbdbx}so}bid B og sfvbsfm }i mi o sfxfoshe coxfm qsikfh}$ Lbdmjr

xqfdm o `f~ gbdv}fx i` rivs pojvocjf }bgf odm `bjj bd }ebx vfx}biddobsf$ Ojj }ef bdìsgo}bid

qsipbmfm cr riv ~bjj cf vxfm idjr ìs ohomfgbh qvsqixfx odm ~bjj cf x}sbh}jr hid`bmfd}boj$

?$ Rivs gid}ejr bdhigf9

o":=l c"=l'5l h"5l'?3l m"?3l'?0l f"I}efsYYYYY%Xqfhb`r"

3$ êbhe bx}ef cfx} ìsg i` bdpfx}gfd}x9

o" @bufm Oxxf}x

c" Codl Mfqixb}x

h" Higgimb}r

m" Xfhvsb}bfx

f" Gv}voj `vdm

`" Bdxvsodhf

n" Sfoj Fx}o}f

8$ Mi riv eopf odr bdxvsodhf qijbhr9


75/77

o" Rfx c" Di

=$ êbhe bdxvsodhf qijbhr mi riv eopf9

o" Jb`f c" Did'Jb`f h"Ci}e

6$ êo}x }ef sbne} onf }i cvr bdxvsodhf9

o" O`}fs 36 Rsx c" O`}fs 86 Rsx

h" O`}fs =6 Rsx m" Odr}bgf

0$ Ei~ ~ivjm riv so}f Bdmbod bdxvsodhf higqodbfx9

o" Sbnbm Qjodx

c" Vdxo}bxòh}isr Xfspbhfx

h" Did'Onnsfxxbpf

m" Xo}bxòh}isr

f" Niim

`" Pfsr Niim

>$ êbhe `fo}vsfx i` bdxvsodhf higqodr riv osf jiilbdn ìs9

o" O ]svx}fm Dogf

c" @sbfdmjr Xfspbhf Sfxqidxbpfdfxx

h" Niim Qjodx

m" Ohhfxxbcbjb}r

f" Sbxl Hipfsonf

`" Bdpfx}gfd} Cfdf`b}

5$ êbhe Hix Bdxvsodhf Qijbhr Riv Eopf9

o" JBH c" BHBHB Qsvmfd}boj

h" XCB Jb`f Bdxvsodhf m" EM@H X}odmosm Jb`f


76/77

f" Sfjbodhf Jb`f Bdxvsodhf `" ]O]O OBN Jb`f

n" Odr I}efsYYYYYYYY %Xqfhb`r"

2$ êo} bx }ef }fsg i` }eo} bdxvsodhf qijbhr* ~ebhe riv eopf9

o" :6Rsx c" 6'?1 Rsx h" ?1'?6 Rsx m" Odr I}efsYYYYYY

%Xqfhb`r"

?1$ êbhe `fo}vsf i` rivs qijbhr o}}soh}fm riv }i cvr b}9

o" Ji~ Qsfgbvg c" Josnfs Sbxl Hipfs

h" Gidfr Cohl Nvosod}ff m" Sfqv}o}bid i` Higqodr

f" Foxr Ohhfxx }i Onfd}x `" Odr I}efsYYYYYYYYY %Xqfhb`r"

??$ Osfriv xo}bx`bfm ~b}e }ef qijbhr9

o" Xo}bx`bfm Xopbdn ]iij

c" Di} Xo}bx`bfm

h" Di} Sfxqidmbdn

?3$ Osf riv xo}bx`bfm ~b}e }ef xfspbhf onfd}9

o" Xo}bx`bfm Xopbdn ]iij

c" Di} Xo}bx`bfm

h" Di} Sfxqidmbdn

?8$ êo}x rivs qfshfq}bid ociv} bdxvsodhf9

o" O Xopbdn ]iij

c" O ]ou Xopbdn Mfpbhf

c" O ]iij ]i Qsi}fh} @v}vsf

]EODL RIV

DOGF; YYYYYYYYYYYYYYYYYYYYYYYYY

IHHVQO]BID; YYYYYYYYYYYYYYYYYYY


77/77

HID]OH] DI$ YYYYYYYYYYYYYYYYYYY

hdfc sl insurance co

Documents