j«mhh$ {vvwh$m ‘oidmdm omzodmar 2018 a{nboq> q´>m… · À`m xwq>ßnr àwobm {damoy,...

J«mhH$ {VVwH$m ‘oidmdm OmZodmar 2018

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1. gm‘§Oñ`mZo VH«$ma {ZdmaUmgmR>r ‘w§~B© J«mhH$ n§Mm`VrMm nwT>mH$ma.

‘w§~B© J«mhH$ n§Mm`VrZo aoam H$m`Úm A§VJ©V EH$m VaVwXrda AmYmarV Ho$bobr gyMZm ‘hmaoam AÜ`jm§Zr ñdrH$méZ Ë`m gyMZobm ‘yV© ñdén XoÊ`mg nwT>mH$ma KoVë`mZo J«mhH$m§À`m {dH$mgH$m§{déÕÀ`m VH«$mar gm‘§Oñ`mZo gwQ>Ê`mMm ‘mJ© ‘moH$im Pmbm Amho. J«mhH$ d {dH$mgH$m§Vrb dmXmda gm‘§Oñ`mZo VmoS>Jm H$mT>Ê`mÀ`m (Conciliation) `m àñVmdmbm MCHI, N AREDCO d CREDA I `m {dH$mgH$m§À`m VrZ g¨ñWm§Zrhr nmqR>~m Xe©dyZ `m à{H«$òV gh^mJr hmoÊ`mMr V`mar Xe©dbr Amho.

`m àñVm{dV `moOZoZwgma ‘w§~B© ‘hmZJa joÌmgmR>r Xhm Va nwÊ`mgmR>r nmM ~|Mog ñWmnZ H$aÊ`mV òUma AmhoV. `m àËòH$ ~|Mda J«mhH$m§V’}$ ‘w§~B© J«mhH$ n§Mm`VrMm EH$ à{e{jV H$m`©H$Vm© Va {dH$mgH$m§V’}$ MCHI, N AREDCO AWdm CREDA I Mm EH$ à{VZrYr Agob. Á`m VH«$mat~m~V VH«$maXma J«mhH$ d {dH$mgH$ `m Xmohm|Mr gm‘§Oñ`mZo VH«$ma gmoS>dÊ`mMr BÀN>m Agob AemM VH«$mar `m gm‘§Oñ` ‘§MmnwT>o (Conciliation Bench) ZoÊ`mV òVrb.

A{nboQ> Q´>m`ã`wZbMr àVrjm- A°S>. {earf Xoenm§S>o

aoamMm ’o$am ‘hmaoamÀ`m g§Ho$V ñWimda `m ~m~V ‘m{hVr àX{e©V Agob d gm‘§Oñ`mZo VH«$matda VmoS>Jm H$mT>Umè`m `m ì`dñWoMr qbH$gwÕm ‘hmaoamÀ`m g§Ho$V ñWimdê$Z XoÊ`mV òB©b.

XoemV àW‘M Aem àH$mao aoam A§VJ©V n`m©`r {ddmX {ZdmaU `§ÌUm ( Alternate Dispute Resolution - ADR) ‘hmamï´>mV ñWmnZ hmoV AgyZ gmYmaUV: 45 {XdgmV VH«$matda gm‘§Oñ`mZo VmoS>Jm H$mT>Ê`mgmR>r ‘§Mmdarb XmoÝhr ~mOy§Mo à{V{ZYr à`ËZ H$aVrb. Xmohmo ~mOy§‘Yo gm‘§Oñ` Pmë`mg VemàH$maMm {b{IV gm‘§Oñ` H$ama H$aÊ`mV òD$Z Ë`mda XmoÝhr ~mOy VgoM ‘§M gXñ` gøm H$aVrb d hm H$ama C^`njr ~§YZH$maH$ Agob. `m gd© à{H«$òV ì`mdgm{`H$ d{H$bm§Zm ñWmZ Zmhr.

Oa H$mhr H$maUmZo g‘PmoVm KSy>Z Ambm Zmhr Va VH«$maXma "‘hmaoam'H$So> arVga VH«$ma XmIb H$ê$ eHo$b. gm‘§Oñ` ‘§MmnwT>o VH«$ma H$aÊ`mgmR>r é.1000 Aer ’$s Agob.

OmZodmar ‘{hÝ`mVM `m Zì`m d A{^Zd Aem CnH«$‘mMm ew^ma§^ hmoÊ`mgmR>r gd© g¨~§YrV à`ËZerb AmhoV.2. aoam H$m`ÚmÀ`m d¡YVobm {Xbobo AmìhmZ ’o$Q>miboaoam H$m`ÚmÀ`m KQ>ZmË‘H$ d¡YVobm AmìhmZ XoUmè¶m {dH$mgH$m§À`m Xhm `m{MH$m ‘w§~B© Cƒ Ý`m`mb`mÀ`m I§S>nrR>mZo, `mdarb g{dñVa gwZmdUr Z§Va ’o$Q>miyZ bmdV aoam H$m`ÚmÀ`m A§‘b~OmdUrVrb AS>ga Xya Ho$bm Amho.aoam H$m`Xm hm OmMH$ AgyZ hm H$m`Xm nyd©bjr à^mdmZo bmJy H$ê$Z Ë`m‘Yo gÜ`m Anwè`m Agboë`m J¥h àH$ënm§Mm g‘mdoe H$aUo ho KQ>Zoer {dg¨JV Agë`mMo Amjon {dH$mgH$m§Zr KoVbo hmoVo. Ë`m{edm`gwÕm AZoH$ Amjon aoam H$m`ÚmVrb X§S>mË‘H$ VaVwXt{déÕ KoVbo hmoVo d Ë`mda {dH$mgH$m§V’}$ Zm‘m§{H$V d{H$bm§Zr Amnbo g{dñVa `wº$sdmX gmXa Ho$bo hmoVo. na§Vw `m ’$ma ‘moR>çm à‘mUmV J«mhH$m§Mr hmoV Agbobr ’$gdUyH$ d Ë`mnmgyZ J«mhH$m§Mo gäjU H$aÊ`mMo VgoM `m ì`dgm`mMo {Z`‘Z d {dH$mg H$aÊ`mMo ‘yi C{Ôï> bjmV KoVm aoam ‘Yrb VaVwXr `m gXa C{Ôï>m§er gwg¨JV Agë`mMo gm§JyZ `m gd© `m{MH$m ’o$Q>miyZ bmdë`m AmhoV.

(nmZ 9 nmhm...)

aoam H$m¶Xm ApñVËdmV ¶oÊ¶mV Am{U Ë¶mÀ¶m A§‘c~OmdUrV Amnë¶m g§ñWoMo ¶moJXmZ ‘mocmMo Amho. "aoam'À¶m ~m~VrV gVV Zdo H$mhr KS>V Amho. Vo g‘OyZ KoD$¶m ¶m Zì¶m gXamVyZ-


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J«mhH$ {VVwH$m ‘oidmdm1 OmZodmar> 2018

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{dídñV ‘§S>iàm. S>m°. am‘Xmg O. JwOamWr

S>m°. ~mi ’$m|S>Ho$b{bVm Hw$iH$UuaqdÐ ‘hmOZAZwamYm Jmoao

AÜ`jàm. S>m°. am‘Xmg O. JwOamWr

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‘w§~B© J«mhH$ n§Mm`V H$m`©H$m[aUrH$m`©H$mar ‘§S>i

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g^mgXAZwamYm Xoenm§So>

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àm. H$‘imH$a n|S>gog{dVm Xm|Xo

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`m A§H$mV à{gÕ Pmboë`m ‘Vm§er g¨nmXH$/

g¨KQ>Zm gh‘V AgVrbM Ago Zmhr.

Printed & Published by NISHIKANT VINAYAK GURJAR on behalf of Mumbai Grahak Panchayat, Printed at India Printing Works, 42 G. D. Ambekar Marg, Wadala, Mumbai - 400 031 and Published at Mumbai Grahak Panchayat, Grahak Bhawan, Sant Dnyaneshwar Marg, JVPD Scheme, Juhu, Vile Parle (West), Mumbai - 400 056 Ph.: 26288624, 26281832, Fax : 26250916. • Email : [email protected] • Website: mumbaigrahakpanchayat.org • Editor : Shubhada Chaukar

A{nboQ> Q´>m`ã`wZbMr àVrjm 2

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Om{hamV ~KÊ¶mMr Zdr Ñï>r! 10

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‘wéS> Am{U ZmJmd-Ajr-A{b~mJ òWo g¨dmXg^m 13

dmMy AmZ§Xo 14

MGP's Appeal to Finance Minister 16

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g§nmXH$ …- ew^Xm Mm¡H$a g§nmXH$s¶ gmhmæ¶ …- ‘mZgr H$Mao g„mJma …- S>m°. am‘Xmg JwOamWr, A°S>. {earf Xoenm§S>o, dg§wYam XodYa ‘wIn¥ð> :- aí‘r Hw$cH$Uu AjaOwiUr d aMZm, H$bm d ‘wÐU …- B§{S>¶m qàqQ>J d³g©, dS>mim, ‘w§~B©

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J«mhH$ n§Mm`V noR> - 2018J«mhH$m§À¶m Img AmJ«hmñVd nwUo d Xmnmocr ¶oWo n§Mm¶V noR>m â{dÊ¶mg gwwédmV Ho$cr Am{U CÎm‘ à{VgmXm‘wio {gc{gcm gwê$ am{hcm. ¶§XmÀ¶m nwUo d Xmnmocr ¶oWrc noR>mhr d¡{eîQ>çnyU© AmhoV. Oê$a ôQ> Úm!


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Ambobm AZw^d, J«mhH${df`H$ àý, e§H$m, gyMZm `m§Mo ñdmJV Amho. ‘mÌ Amnbo åhUUo WmoS>Š`mV nU Zo‘Ho$nUmZo {bhÿZ ‘m{gH$mÀ`m nÎ`mda qH$dm [email protected] ¶m Am`S>rda nmR>dmdo.

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A{^‘mZ d A{^Z§XZU.N. Guidelines for Consumer ProtectionÀ`m

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‘w§~B© J«mhH$ n§Mm`VrV’}$ A°S>. {earf Xoenm§So> d lr‘Vr dfm© amD$V `m§Zr XmoZ doJdoJù`m gXamV gmXarH$aUo Ho$br d `mdoir H|$Ðr` J«mhH$ ì`dhma ‘§Ìr am‘{dbmg nmgdmZ Am{U H|$Ðr` J«mhH$ ì`dhma amÁ`‘§Ìr Mm¡Yar `m§À`m hñVo Ë¶m§Mm Jm¡ad H$aÊ`mV Ambm, `m~Ôb ‘ZmnmgyZ A{^Z§XZ.

- gwb^m n|T>maH$agw`moJ J«mhH$ g¨K, gm`Z, ‘w§~B©

gôVyZ OmJ¥Vr a{ddma, 17 {S>g|~a amoOr ZmJmd òWo J«mhH$ g¨Km§Mr

g^m {dZ` Hw§$Q>o `m§À`mH$So> g¨nÞ Pmbr. ‘w§~B©, noU òWrb nXm{YH$mar, H$m`©H$V} m§À`m ‘mJ©Xe©ZmMm bm^ KoÊ`mgmR>r A{b~mJ, ZmJmd, Mm¡b-aodX§S>m, gmimd `m n[agamVrb J«mhH$ g¨KmMo gXñ` CnpñWV hmoVo.

bhmZ ghmZ IaoXr H$aVmZmgwÕm H$m` H$miOr ¿`mdr, nXmWm©Vrb KQ>H$‘yë`m§Mo à‘mU, Cn`mo{JVm, a°n Ho$boë`m qH$dm n°H$~§X dñVydarb ‘m{hVr gOJnUo OmUyZ ¿`m`bm hdr, BVHo$M Zìho Va Amnë`m ‘wbm§Zm, ZmVd§S>m§Zm XoIrb ho ‘m{hVr H$ê$Z Úm`bm hdo, ho Ë`m {Xder OmUdbo. AmOÀ`m Om{hamVtÀ`m ^wb^wb¡æ`mV Mm§Jb§, dmB©Q> {ZaIyZ Am{U nmaIyZ ¿`m`Mr gd` bmdyZ ¿`m`bm hdr. `m Am{U Aem AZoH$ Jmoï>tM§ gmÜ`m, gmoß`m ^mfoVb§ XodYa ‘°S>‘M§ ‘mJ©Xe©Z N>mZ hmoV§.

doJim {df`, doJir OmUrd, Ñï>r XoÊ`mM§ H$m‘

`m N>moQ>çmem gôZo Ho$b§. embo` nmVirda ‘mJ©Xe©Z dJ© KoÊ`mgmR>r ghH$m`© H$aÊ`mMo H$m‘ AmnUhr H$amdo, BVH$s Am‘Mr ‘mZ{gH$Vm H$aÊ`mMo ¶e `m ‘oimì`mZo gmYbo. àýmoÎmao, e§H$m {ZagZ `m§VyZ OmJ¥V J«mhH$ËdmMr à{MVr XoV, gwJ«mg ñZoh^moOZmZo gôMr gm§JVm Pmbr.

- A§Obr AaqdX AmR>dbo {^‘oœa g¨K, ZmJmd

g^m N>mZ Pmbr

16 {S>g|~a 2017 amoOr ‘wéS> òWo g¨nÞ Pmbobm J«mhH$ g¨KmMr g^m A{Ve` CÎm‘ àH$mao nma nS>bm.

òWo CnpñWV J«mhH$ g¨Km§Zm noU {dVaU H|$ÐmÀ`m g^mgXm§Zr IaoXr/{dVaUmg¨~§Yr Mm§Jë`m àH$mao ‘m{hVr {Xbr. VgoM dgw§Yam XodYa d A§Obr Iao `m§Zr J«mhH$ gäjU H$m`Úm{df`r d VH«$ma H|$Ðm{df`r N>mZ ‘m{hVr g‘OmdyZ gm§{JVbr. ‘wéS> g¨KmÀ`m gd© g^mgXm§Zr Mm§Jbm à{VgmX {Xbm.

- AZwOm Xm§So>H$a, ‘wéS>

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2017 ho df© J«mhH$ n§Mm`mVrbm ’$maM H$m‘ H$am`bm ^mJ nmS>Umao R>abo. aoamMr à{Vð>mnZm ZrQ> hmoÊ`mgmR>r `ËZ, Xwhoar MRPÀ`m XwQ>ßnr àWobm {damoY, hm°Q>ob‘Üò AmH$maë`m OmUmè`m gº$sÀ`m godmewëH$ nÕVrbm ZH$ma, Amobm-C~oa, [ajm, Q>°Šgr `m§À`mVrb ñnY}Mm Aä`mg, {X„rV Pmboë`m Am{e¶mB© J«mhH$ n[afXoV JmOdbobr gÌo, H|$Ðr` dmhVyH$ {dYo`H$mV gyMZm Am{U AmVm Zì¶m {dÎm{df`H$ {dYo`H$mVrb OmMH$ VaVwXtZm {damoY- Aer EH$mda EH$ ‘hÎdnyU© H$m‘o Amnë`m g¨ñWoZo H$ê$Z XmIdbr. Amnbo H$m`m©Ü`j Am{U H$m`©H$V} `m§Zr VZ-‘Z AmoVyZ Ho$boë`m `m `ËZm§‘wio J«mhH$m§Mm bm^ Pmbm Am{U Amnë`m g¨ñWoMr à{V‘m C§Mmdbr. hr g¨ñWm AË`§V gVH©$ amhÿZ, {Zñn¥hVoZo, {ZanojVoZo Aä`mgnyU© ‘V ‘m§S>Vo, Ë`mV J«mhH$m§Mm g‘J« {dMma AgVmo, Aer Amnbr à{V‘m AmO Xoeâ VgoM OJmVhr {Z‘m©U Pmbr Amho. Amnbo hþema d I§~ra ZoV¥Ëd Am{U Ë`m§Zm EH${XbmZo gmW XoUmao ‘moR>o g¨KQ>Z- hr Amnbr VmH$X AmO gdm©ªZm n[a{MV Pmbr Amho. EH§$XarV 2017 Zo Amnbm MGP Brand Mm§JbmM nm°da’w$b Agë`mMo nwZü {gÕ Ho$bo Amho.

gaH$maÀ`m H$moUË`mhr Zì`m YmoaUmda H$mH$Ñï>rZo bj {Xë`mg EImXm AÝ`m` doirM amoIbm OmD$ eH$Vmo, `mMo VmOo CXmhaU åhUOo {dÎm{df`H$ àñVm{dV {dYo`H$. g¨gXoÀ`m {hdmir A{YdoeZmV ho {dYo¶H$ g¨‘V H$ê$Z KoÊ`mMm gaH$mMm à`ËZ hmoVm. Ë`mV àm‘m{UH$ ~±H$ R>odrXma d {d‘m J«mhH$m§Mr M§nr H$aUmar H$b‘o hmoVr. ‘w§~B© J«mhH$ n§Mm`VrMo H$m`m©Ü`j A°S>. {earf Xoenm§So> `m§Zr Ë`mMm ~maH$mB©Zo Aä`mg Ho$bm. Ë`mV Ë`m§Zm AZoH$ Jmoï>r IQ>H$ë`m. `m {dYo`H$mV àm‘m{UH$ ~±H$ R>odrXma d {d‘m J«mhH$m§Zm "hoAa H$Q>' gwMdbm Amho. hmo, M¸$ "hoAa H$Q>' hm eãX dmnê$Z! åhUOo ~±H$m Am{U {d‘m H§$nÝ`m§Zm dmMdÊ`mgmR>r {Zînmn J«mhH$m§MrM M§nr!! Xoenm§So> `m§Zr VmVS>rZo hr ~m~ ‘mÜ`‘m§À`m bjmV AmUyZ {Xbr. H|$Ðr` {dÎm‘§Ìr AéU OoQ>br `m§À`mer nÌì`dhma Ho$bm. J«mhH${damoYr ‘wÔo Ë`m§À`m bjmV AmUyZ {Xbo. Amnë`m

g¨ñWoZo `m {dYo`H$mbm Ho$bobm H$S>dm {damoY, ‘mÜ`‘m§Zr Ë`mda CR>dbobr Q>rHo$Mr PmoS> Am{U `m ‘wÚmdê$Z OZVoV Ag¨Vmof {Z‘m©U hmoÊ`mMr eŠ`Vm bjmV Amë`mZo hm àñVmd nwT>o T>H$bbm Jobm Amho. Zo‘Ho$ H$m` Amho `m àñVmdmV, ho g‘OmdUmam Aä`mgnyU© boI Oê$a dmMm. {dÎm‘§Ìr AéU OoQ>br `m§À`mer Ho$bobm nÌì`dhmahr B§J«OrV g¨jonmV {Xbm Amho.

Joë`m ‘{hÝ`mV dmhVyH${df`H$ {dYo H$mda Amnbo åhUUo ‘m§S>Ê`mMr gYr Amnë`m gñWobm {‘imbr. Voìhmhr A°S>. Xoenm§So> m§À`m gyMZm§Mo ñdmJV ggXr` g{‘VrZo Ho$bo.

Aem KQ>Zm§Mm doJ Am{U AmoK dmT>bm Amho. J«mhH$g§~§Yr {df`m§V Amnë`m g¨ñWoMo åhUUo {dMmamV KoVbo OmUo hr AmVm ñdm^m{dH$ ~m~ ~Zy nmhVo`. J«mhH$ hm KQ>H$ g¨KQ>rV ZgVmo, åhUyZ Vmo ZmS>bm OmVmo. nU J«mhH$ hm KQ>H$ EH${ÌVnUo Amnbo åhUUo ‘m§Sy> eH$Vmo, àg¨Jr AmdmO CR>dy eH$Vmo Am{U Vmo AmdmO gd©gm‘mÝ`V: Hw$UmMm AgVmo, Va ‘w§~B© J«mhH$ n§Mm`VrMm- ho AmVm g‘mO‘Zmda, emgZmda, àemgZmda Am{U {‘S>r`mda q~~bo Amho.

J«mhH$ MidirV AJ«Ur hmoVmZm AmnU A{YH$m{YH$ J«mhH$m§Zm "AnSo>Q>' H$aÊ`mgmR>r H$mhr H$ënH$ à`moJ Ho$bo. Amnë`m H$m ©H$Ë`mªZm gj‘ H$aÊ`mgmR>r doimodoir H$m ©emim, ì`m»`mZo Am`mo{OV Ho$ë`m. gK-à‘wIm§gmR>r d g^mgXm§gmR>r H$mhr {R>H$mUr gdmX-g^m KoVë`m Joë`m.

AWm©V Aem gH$mamË‘H$ Jmoï>tÀ`m ~amo~arZo AmìhmZohr Amnë`m g¨ñWog‘moa AmhoV. g^mgXg¨»`m dmT>dUo Amdí`H$ AmhoM, {edm` Amnë`m g¨ñWoH$Sy>Z gdmªÀ`m dmT>Ë`m Anojm ~KVm H$m`©H$Ë`mªMo Omio {dñVmaUo Amdí`H$ Amho. Zì`m dfmªV A{YH$m{YH$ g^mgXm§Zm H$m`©H$V} åhUyZ H$m‘ H$aÊ`mMr ñd`§ñ’y$Vu {‘imo! Am{U ZdrZ df© gd© J«mhH$m§À`m {hVmMo OmAmo, `mgmR>r ewôÀN>m!!

- ew^Xm Mm¡H$a


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~wS>rV ImË`mV OmUmè`m ~±H$m d {d‘m H§$nÝ`m§Zm

dmMdÊ`mÀ`m à`ËZmV H|$Ð gaH$maMo àm‘m{UH$ ~±H$

R>odrXma d {d‘m J«mhH$m§Zm "hoAa H$Q>' gwMdUmao {dYo`H$

àñVm{dV AgyZ Ë`mda {dMma H$aÊ`mgmR>r g¨gXoMr g¨`wº$

g{‘Vr gÜ`m H$m‘ H$aV Amho. "’$m`ZmZ{e`b [agmoë`weZ

Am{U {S>nm°{PQ> BÝewaÝg {dYo`H$, 2017' (Financial

Resolution Deposit Insurance Bill -2017, FRDI-2017)

`m ZmdmMo {dYo`H$ g¨gXoÀ`m {hdmir A{YdoeZmV g¨‘V

H$ê$Z KoÊ`mMm gaH$mMm à`ËZ hmoVm. nU AmnU Ë`mbm

Ho$bobm H$S>dm {damoY, ‘mÜ`‘m§Zr Ë`mda CR>dbobr PmoS>

Am{U ’$maM JXmamoi hmoÊ`mMr eŠ`Vm bjmV Amë`mZo

hm àñVmd nwT>o T>H$bbm Jobm. Var ho {dYo`H$ naV nwT>À`m

g¨gXr` A{YdoeZmV òB©b, hr eŠ`Vm J¥hrV Yê$Z Ë`mV

Zo‘Ho$ H$m` Amho, ho AmnU g‘OyZ ¿`m`bm hdo.

`m {dYo`H$mVrb VaVwXrZwgma ~wS>V AgUmar ~±H$

dmMdÊ`mgmR>r H$b‘ 48 d 53 ‘Üò R>odrXmam§gmR>r M¸$

"hoAa H$Q>' gwMdÊ`mV Ambm Amho. hm "hoAa H$Q>' åhUOo

~wS>V Agbobr ~±H$ dmMdÊ`mgmR>r ~±Ho$À`m R>odrXmam§Zr

H$ï>mZo d ‘ohZVrZo H$‘mdboë`m Am{U ~±Ho$V {dœmgmZo

R>odboë`m R>odt‘Yrb H$mhr aH$‘oda nmUr gmoS>m`Mo. H$m

R>odrXmam§Mm "hoAa H$Q>' gwMdUmè`m {dYo`H$mbm Vrd« {damoY

~wS>rV ImË`mV OmUmè`m ~±H$m d {d‘m H§$nÝ`m§Zm dmMdÊ`mÀ`m à`ËZmV H|$Ð gaH$maMo àm‘m{UH$ ~±H$ R>odrXma d {d‘m J«mhH$m§Zm "hoAa H$Q>' gwMdUmao {dYo`H$ àñVm{dV Amho. Ë`m {dYo`H$mMrM M§nr H$aUmam hm boI Oê$a dmMm. ~±Ho$V {dœmgmZo n¡go R>odUmè`m Amnë`mgma»`m J«mhH$m§da AÝ`m` H$aUmao ho {dYo`H$ Amho. Vo g‘OyZ ¿`m`bm hdo.

Va, ~±Ho$À`m ì`dñWmnZmZo Ho$boë`m KmoQ>mù`m§‘wio AWdm J«mhH$m§À`m R>odr ~S>çm ‘§S>itZm H$O} åhUyZ {Xë`mZ§Va Ë`mMr dgwbr H$aÊ`mV Ho$bobr h`J` VgoM Ë`m‘wio ~±H$ ~wS>m`bm bmJbr` Am{U AmVm {Vbm dmMdÊ`mgmR>r ~±Ho$À`m R>odrXmam§ZrM Amnë`m ñdH$ï>mOuV R>odtVrb H$mhr aH$‘oMm Ë`mJ H$am`Mm!

hm Hw$R>bm Ý`m`? BVHo$M Zìho, Va R>odrXmam§Zr g‘Om 8% XamZo ‘wXV R>odrV n¡g¡ Jw§Vdbo AgVrb Va hm ì`mOXa EH$V’$r© H$‘r H$aVm òB©b. BVHo$M Zìho Va Vw‘Mr ‘wXV R>odrMr a¸$‘ ~±Ho$À`m ^mJ ^m§S>dbmV, Vw‘À`m nadmZJr{dZm, namdVuV H$aVm òD$ eHo$b. Aem ~wS>rV ImË`mVrb ~±Ho$À`m eoAg©Mr ~mOmamV H$m` qH$‘V Agob ho gm§Jm`bm VÁkm§Mr JaO Zmhr! V‘Mr ‘wXV R>od, ‘wXV g¨në`m‘wio Xo` Pmbr Agob Varhr Ë`mMr ‘wXV Vwåhmbm Z {dMmaVm dmT>dVm òD$ eHo$b. åhUOoM Vwåhr {dMmanyd©H$ R>am{dH$ ‘wXVrgmR>r R>odbobr a¸$‘ Vwåhmbm hdr Ë`mdoir {‘iUma Zmhr.

gdm©V IQ>H$Umar ~m~ åhUOo R>odrXma J«mhH$m§Mm "hoAa H$Q>' H$aUmè`m `m {dYo`H$mV Á`m H$O© ~wS>ì`m§‘wio ~±H$ ~wS>Ê`mMr doi Ambr Ë`m§Mm "hoAa H$Q>' gmoS>m na§Vw Ë`m§À`m Ho$gmbmhr hmV bmdÊ`mMo Am{YH$ma Zì`mZo {Z‘m©U H$aÊ`mV òUmè`m "[aPmoë`weZ H$m°nm}aoeZ'bm XoÊ`mV Ambobo ZmhrV. hm gd© àH$ma åhUOo Mmoa gmoSy>Z g¨Ý`mgmbm {ejm XoÊ`mgmaIo Pmbo!

ho {dYo`H$ ‘wimVM MwH$sMo d AZmdí`H$ AgyZ `m {dYo`H$mÀ`m ‘yi hoVy~ÔbM e§H$m CËnÞ hmoVo. g~~, ho {dYo`H$ H|$Ð gaH$maZo ‘mJo ¿`mdo, Aer ‘mJUr ‘w§~B© J«mhH$ n§Mm`VrZo Ho$br.

AmnU ho AmdmhZ gmoeb {‘S>r`m dê$Zhr àgm[aV

- A°S>. {earf Xoenm§So>H$m`m©Ü`j, ‘w§~B© J«mhH$ n§Mm`V


7

Ho$bo. Ë`mZ§Va g‘mO‘mÜ`‘mVyZ Ë`mda CbQ>gwbQ> MMm© a§JV Jobr. Amåhr `m CbQ>gwbQ> MM}Mohr ñdmJVM Ho$bo Am{U CÎmao XoÊ`mMm à`ËZ Ho$bm.

gwédmVrbmM ho ñnï> H$amdogo dmQ>Vo H$s `m {dYo`H$mMm Aä`mg Ho$bm AgVm `m {dYo`H$mVrb H$mhr VaVwXt‘wio R>odrXmam§À`m H$ï>mZo H$‘mdboë`m d {dœmgmZo ~±Ho$V R>odboë`m R>odr `m YmoŠ`mV òD$ eH$VmV.

`m {dYo`H$mMo g‘W©Z H$aUmar ‘§S>irgwÕm EH$ Jmoï> ‘mÝ` H$aVmV Vr åhUOo Á`m Jmoï>r{damoYmV AmO AmoaS>

hmoV Amho, Ë`m gJù`m VaVwXr `m FRDI {dYo`H$mVrb H$b‘ 52 ‘Ü¶o IamoIaM AmhoV. na§Vw Ë`m§Mo åhUUo Ago H$s VaVwXrbm Amjon KoUmè`m§Zr Vwåhmbm nyU© ‘m{hVr {Xbr Zmhr d EH$ ‘hÎdmMr Jmoï> Vw‘À`mnmgyZ bndyZ R>odbr. Vr åhUOo Vw‘Mr EH$ bmI én`m§Mr a¸$‘ AJXr gwa{jV Amho. Ë`mbm hmV bmdbm OmUma Zmhr. ‘wimV `mV bndÊ`mgmaIo H$mhrM Zmhr. EH$ bmI n`ªVÀ`m R>odr gwa{jVM AmhoV ho OJOmhra Amho. nU ‘w»` ‘wÔm Cd©arV R>odtMmM Amho! àËòH$ R>odrXmamMr Cd©arV a¸$‘ ‘moR>r AgUma Amho Am{U Ë`mbmM hmV KmbÊ`mMr Amjonmh© VaVyX `m H$b‘ 52 ‘Üò Amho.

`mda `m g‘W©H$m§Mo åhUUo Ago Amho H$s, EH$ bmImMr hr {d‘m gä{jV a¸$‘ g¨gXoV MMm© H$ê$Z dmT>dbr OmB©b d Vr EH$ bmImnojm {Z{üVM H$‘r Zgob. ‘wimV H$b‘ 29 Ûmao hr gä{jV a¸$‘ {H$Vr Agmdr, ho R>adÊ`mMo A{YH$ma `m FRDI H$m`ÚmZo gaH$mabm ZmhrM Va Zì`mZo {Z‘m©U H$aÊ`mV òUmè`m "[aPmoë`weZ H$m°nm}aoeZ'bm XoÊ`mMo àñVm{dV Ho$bo Amho. hr VaVyXM ‘wimV Amjonmh© Amho. g¨gX Ago ‘hÎdmMo A{YH$ma Aem àH$maÀ`m ‘hm‘§S>imbm XoD$ eH$V Zmhr.

KQ>ZmË‘H$ÑîQ>çm Vo Excessive

Delegation R>aVo d Ë`m‘wio Vo Ad¡Y R>ê$ eH$Vo. Ë`m‘wio g¨gXoZo `m 29 ì`m H$b‘mV Xwê$ñVr Ho$br Zmhr Va g¨gX qH$dm gaH$ma hr gä{jV R>odtMr a¸$‘ {H$Vr Agmdr, ho R>ady eH$Uma Zmhr, ho gË` `m {dYo`H$mMo g‘W©H$ bjmVM KoV ZmhrV.

AmVm dmXmH$aVm AmnU jUâ Oar ‘mZbo H$s hr gä{jV a¸$‘ EH$ bmImnojm {Z{üV H$‘r Zgob (‘oha~mZr Pmbr Zm!) qH$dm Vr dmT>dyZ nmM, Xhm AWdm AJXr n§Yam bmIm§da Zobr Var ‘yi Amjon hm VmpËdH$ Amho, ho AmnU g‘OyZ

KoUo Amdí`H$ Amho. Am{U hm Amjon åhUOo EImÚm ~wS>rV ~±Ho$bm dm g¨ñWobm dmMdÊ`mgmR>r R>odrXmam§À`m R>odrbm hmV Kmby XoÊ`mMm "[aPmoë`weZ H$m°nm}aoeZ'bm {Xbm OmUmam ~obJm‘ d A‘`m©X A{YH$ma. `m A{YH$mambmM Amnbm Amjon Amho. ‘wXVrÀ`m R>odtMr ‘wXV ~XbÊ`mMo, Ë`mdarb ì`mO Xa H$‘r H$aÊ`mMo AWdm `m R>odtMo eoAg©‘Üò hñVm§Va H$aÊ`mMo A{YH$ma `m ‘hm‘§S>imbm XoÊ`mbmM Amnbm Vrd« Amjon Amho. Ago hmoUma Agob Va ‘wimV R>odrXmam§Zr ~±Ho$V {dœmgmZo n¡goM H$m R>odmdo? R>odrXma J«mhH$m§Mm ~±H$m§darb {dœmgM CSy>Z OmB©b. AemZo ~±Ho$bm ~mOybm gmê$Z Xwgar OmñV

{MÌ … amO|Ð amUo


8

8

{dœmgmh© g‘m§Va §ÌUm {Z‘m©U hmoD$ eHo$b. Am{U AemZo EHy$U ~±qH$J ì`dñWmM YmoŠ`mV òD$ eH$Vo.

‘wimV EH$ Jmoï> bjmV R>odUo Amdí`H$ Amho H$s R>odrXmam§À`m R>odr ñdrH$maUmar ~±H$ - ‘J Vr gaH$mar, ImOJr d ghH$ma joÌmVrb Agmo - hr R>odrXmam§À`m R>odtMr {dœñV AgVo. ~±H$ Ooìhm S>~KmB©bm òVo, Voìhm Ë`mbm R>odrXma O~m~Xma ZgVmV. Ë`mbm ~±Ho$Mo ì`dñWmnZM O~m~Xma AgVo. Ë`mV amOH$maUr ‘§S>ir d H$O©~wS>do N>moQ>o-‘moR>o F$UH$mo `m§Mmhr gH«$s` gh^mJ AgVmo, hohr gdmªZm ‘mhrV Amho. Aem doir gd© Mmoam§Zm gmoSy>Z {ZanamY R>odrXmam§À`m ñdH$ï>mOuV R>odtZm hmV KmbÊ`mMm ~obJm‘ A{YH$ma "[aPmoë`weZ H$m°nm}aoeZ'bm XoUo åhUOo R>odrXmam§ZmM {ejm R>moR>mdÊ`mgmaIo Amho. Am{U åhUyZM `m VaVwXrbm àIa {damoY H$aUo Amdí`H$ Amho.

`m ^`mZH$ d Amjonmh© VaVwXrMo g‘W©H$ `m VaVwXrMm Ho${dbdmUm ~Mmd H$aVmZm `m àñVm{dV FRDI {dYo`H$mVrb AmUIr EH$m VaVwXrMm AmYma KoVmZm {XgVmV. AemàH$mao R>odrXmam§Mo "hoAa H$Q>' H$am`Mo Agob Va Ë`mg g¨gXoMr nadmZJr Amdí`H$ Agob hr Vr VaVyX. ‘wimV g¨gXoMr A{YdoeZo dfm©VyZ VrZ-Mma doim âVmV. Ë`mV amOH$s` njm§À`m JXmamoimV A{YdoeZmMo H$m‘H$mO AZoH$Xm ñW{JV hmoV AgVo. Aem doir g¨gXoZo R>odrXmam§À`m R>odtMm hoAaH$Q> H$aÊ`mÀ`m àñVmdmbm ZH$ma XoÊ`mMr ~o‘wXV dmQ> ~Km`bm bmdÊ`mV H$m` ehmUnUm Amho?

`m dmXmVrb {dYo`H$mMo g‘W©H$ ho ~MmdmgmR>r `m FRDI {dYo`H$mVrb C{Ôï>m§Mm AmYma KoD$Z gm§Jy nmhmV AmhoV H$s ~Km, `m C{Ôï>mVM R>odrXmam§À`m {hVmMm ñnï> C„oI Amho. Am{U Vo Iaohr Amho. nU ho g‘W©H$ Zo‘Ho$ hoM {dgaVmV H$s H$m`ÚmÀ`m C{Ôï>m§erM {dg¨JV AWdm {damoYr VaVyX Ë`mM H$m`ÚmV AmT>ibr Va Vr aÔ~mVb R>ê$ eH$Vo. qH$~hþZm `m H$b‘ 52 bm {damoY H$aÊ`mMo ho à‘wI H$maU hoM Amho H$s H$b‘ 52 ‘Yrb VaVyX ‘yi {dYo`H$mÀ`m C{Ôï>merM {dg¨JV Amho.

amhVm amhrbm ‘wÔm H$s Aem KQ>Zm ’$maM VwaiH$. Ë`m‘wio Ë`mda EdT>m JhO~ H$m? Ë`mda CÎma hoM H$s

àý Aem KQ>Zm VwaiH$ H$s dma§dma KS>Ê`mMm ZmhrM ‘wir. àý VÎdmMm d R>odrXmam§À`m A{YH$mam§Mm Amho. "Am‘À`m gd©M R>odr `m ~±Ho$V gwa{jV AgUo hm Amnbm R>odrXma åhUyZ A{YH$ma Amho.' Ë`m‘wio AmVm EH$ bmImEodOr nmM dm Xhm bmIm§À`m R>odtZm {d‘m H$dM XoÊ`mZo Am‘Mo g‘mYmZ hmoUma Zmhr. Am‘À`m gd©M R>odr gwa{jV hì`mV. Ë`mgmR>r gd©M R>odtMm {d‘m AgUo Amdí`H$ Amho. `mVM R>odrXmam§Mo {hV Amho.

Xwgao ‘hÎdmMo åhUOo Á`m {ZanamY R>odrXmam§À`m R>odtZm ZI bmdÊ`mMo d "hoAa H$Q>' H$aÊ`mMo ~obJm‘ A{YH$ma XoUmao ho {dYo`H$, Á`m H$O© ~wS>ì`m§‘wio ~±H$ ~wS>m`Mr doi Ambr Ë`m H$O©~wS>ì`m§Mm hoAaH$Q> gmoS>mM, nU Ë`m§À`m Ho$gmbmhr hmV bmdÊ`mMm A{YH$ma XoV Zmhr, `mVyZ H$m` {ZîH$f© {ZKVmo?

`m FRDI {dYo`H$mV AmUIrhr Amjonmh© VaVwXr AmhoV. `m H$m`ÚmÛmao ApñVËdmV Agboë`m RBI, SEBI, IRDA `m {Z`m‘H$m§da Resolution Corporation

Zm‘H$ ‘hm-{Z`m‘H$ (Super-regulator) AmUbm OmUma AgyZ Ë`m‘wio {Z`m‘H$ d ‘hm-{Z`m‘H$ `m§À`mV ‘VôX Pmë`mg (Am{U Vo ghO eŠ` Amho) Ë`mVyZ ‘moR>o Jm|Yi {Z‘m©U d H$mbmnì`` hmoD$ eH$VmV. VgoM ~±H$m, {d‘m H§$nÝ`m `m§Mo OmoIr‘oda AmYmarV ‘yë`m§H$Z Ho$bo OmV Amho Vo JmonZr` AgÊ`mMr VaVyX `m {dYo`H$mV Agbr Var `mM {dYo`H$mVrb AÝ` VaVwXt‘wio ho ‘yë`m§H$Z JmonZr` amhÿ eH$Uma Zmhr, hm gdm©V ‘moR>m YmoH$m `m {dYo`H$mV Amho. Ë`m‘wio ~±H$m, {d‘m dm AÝ` Am{W©H$ H§$nÝ`m§Zm gmdaÊ`mEodOr `m ‘yë`m§H$Zm‘wio Ë`mVrb R>odr H$mTy>Z KoÊ`mgmR>r am§Jm bmJVrb, Am{U ‘yi C{Ôï>mbmM haVmi ’$mgbm OmB©b.

Ho$di 52ì`m H$b‘mVrb ~ob-BZ VaVwXrbm d R>odrXmam§À`m "hoAaH$Q>'bmM Zmhr Va `m g¨nyU© {dYo`H$mbmM darb H$maUm§gmR>r ‘w§~B© J«mhH$ n§Mm`VrZo Vrd« {damoY Ho$bm Amho. ho R>odrXmam§À`m {hVmÀ`m {damoYr Agbobo {dYo`H$ ‘mJo KoÊ`mV `mdo, Aer Amnbr ‘mJUr Amho. VgoM R>odrXmam§À`m g¨nyU© R>odtda {d‘m gäjU hdo, Aerhr Amnbr AmJ«hr ‘mJUr Amho.

◆


9

a{ddma, 17 {S>g|~a 2017 amoOr {JaJmd {d^mJmV

"å¶wÀ`wAb ’§$S>' `m {df`mda e{‘©bm amZSo> `m§Mo

ì`m»`mZ Pmbo. gwédmVrbm H$m`m©Ü`jm§Zr àmñVm{dH$

Ho$bo. Ë`mZ§Va H$m`©dmh {dÚm OmoJioH$a `m§Zr gdmªMo

ñdmJV Ho$bo d {d^mJmÜ`jm AZwamYm Zagmio `m§À`m

hñVo e{‘©bm amZSo> `m§Zm ôQ>dñVy XoD$Z gÝ‘m{ZV Ho$bo.

Z§Va A^` XmVma `m§Zr d³Ë`m§Mm n[aM` H$éZ {Xbm d

ì`m»`mZmbm gwédmV Pmbr.

e{‘©bm amZSo> `m§Zr ‘wÀ`wAb ’§$S> åhUOo H$m`,

Ë`mMo H$moUH$moUVo àH$ma AmhoV, ho gmoß`m ^mfoV, KaJwVr

CXmhaUo XoD$Z gm§{JVbo. `mÀ`m doJdoJù`m ñH$såg²

Agë`mMohr Ë`m§Zr gm§{JVbo.

å¶wÀ`wAb ’§$S>mV n¡go Jw§VdVmZm H$moUVr H$miOr

¿`m`Mr ho gm§JVmZm Ë`m åhUmë`m H$s, Á`m§À`m ‘m’©$V

ì`dhma H$aUma AmhmoV Vr ì`º$s {dœmgy Agm`bm hdr.

Ë`m§Zm `m ’§$S>mMr g¨nyU© ‘m{hVr Agm`bm hdr. Ë`m§Zr

go~r H$So> a{OñQóeZ Ho$bobo Agmdo. Oa Vr ì`º$s g~-

~«moH$a Agob Va Ë`m§Mm ~«moH$a H$moU Amho ho Amnë`mbm

‘mhrV AgboM nm{hOo. Ë`m§Mohr go~rH$So> a{OñQóeZ

Agbo nm{hOo. Ë`m{edm` n¡go Jw§Vdy ZòV. ’$s {df`r

"å¶wÀ¶wAc ’§$S>' - CÎm‘ ‘mJ©Xe©Z

AmYrM {dMmaUm H$amdr. amoI a¸$‘ H$Yrhr XoD$ Zò, H«°$mg Ho$bobmM MoH$ Úmdm. ~«moH$aÀ`m ZmdmZo MoH$ XoD$ Z¶o.

`m ~amo~aM Ë`m§Zr Agohr gm§{JVbo H$s, å¶wwÀ`wAb ’§$S>mMr Jw§VdUyH$ online qH$dm SMS Ûmaohr H$aVm òVo.

`m H$m`©H«$‘mbm bmoH$m§Mm N>mZ à{VgmX {‘imbm. `m H$m`©H«$‘mV d³Ë`m Am{U lmoVo `m§Mo N>mZ gya Owibo. Ë`m‘wio H$m`©H«$‘ Iyn a§Jbm. ◆

- ‘mZgr H$Mao, H$m`m©Ü`j

`m ‘hÎdnyU© {ZU©`m‘wio J«mhH$m§Zm ’$ma ‘moR>m {Xbmgm {‘imbm AgyZ {dH$mgH$m§Zr `mVyZ ~moY KoD$Z Amnë`m ì`dhmamV nmaXe©H$Vm d àm‘m{UH$nUm AmUÊ`mMr JaO Amho.3. ‘hmaoam A§VJ©V A{nboQ> Q´m`ã`wZb ñWmnZogmR>r ‘w§~B© J«mhH$ n§Mm`VrMo ‘w»`‘§Í`m§Zm gmH$So>

aoam H$m`ÚmMr A§‘b~OmdUr {Z`moOrV 1 ‘o nmgyZ H$aUmao ‘hmamï´> ho XoemVrb n{hbo amÁ` åhUyZ ‘mZ {‘imbm Agbm Var Ë`mM H$m`ÚmA§VJ©V Agbobo A{nboQ> Q´>m`ã`wZb ñWmnZ H$aÊ`m~m~V ‘mÌ ‘hmamï´> emgZmZo Ajå` {Xa§JmB© Ho$br Amho. 1 ‘o 2016 nmgyZ

H|$Ð gaH$maZo amÁ` gaH$mabm A{YH$ma XoD$Zhr 18 ‘hrZo

CbQy>Z Jobo VargwÕm amÁ`mV ho A{nboQ> Q´m`ã`yZb ñWmnZ

Pmbobo Zmhr `mH$So> ‘w§~B© J«mhH$ n§Mm`VrZo ‘w»`‘§Í`m§Mo

EH$m nÌmÛmao bj doYbo AgyZ ho Q´m`ã`wZb Vm~S>Vmo~

ñWmnÊ`mV `mdo, Aer AmJ«hmMr ‘mJUr Ho$br Amho.

àgma‘mÜ`‘m§Zr Amnë`m `m ‘mJUrbm R>iH$

à{gÕr {Xë`m‘wio AmVm `m~m~VrV doJmZo hmbMmbr

gwê$ Pmë`m AgyZ ’o$~«wdmarV A{nboQ> Q´m`ã`wZb AÜ`j

d gXñ`m§À`m H$m`‘ñdénr Zo‘UwH$m hmoUma Agë`mMo

{dœgZr` gyÌm§H$Sy>>Z H$iVo. ◆

(...nmZ 2 dê$Z) aoamMm ’o$am

A°S>. Xoenm§So> ¶m§Mo ì`m»`mZ

‘w~§B© J«mhH$ n§Mm`VrÀ`m XmXa, ‘m{h‘, dm§Ðo {d^mJmZo ~«m÷U godm ‘§S>i `m§À`m ghH$m`m©Zo "aoam' `m {df`mdaMo A°S>. {earf Xoenm§So> ¶m§Mo ì`m»`mZ gmo‘dma {X. 15 OmZodmarcm g¨Ü`m. 7 Vo 9 ¶m doioV Am`moOrV Ho$bo Amho.

{R>H$mU …~«m÷U godm ‘§S>i, ^dmZr e§H$a amoS>,

XmXa n{ü‘, ‘w§~B© 28


10

10

Advertising Standards Council of India ( ASCI -

AmñH$s), Om{hamV ì`dgm`mbm ‘mJ©Xe©H$ VÎdo KmbyZ XoUmar Am{U ñd`§{eñV nmiyZ {d{eï> {Z`‘m§À`m Mm¡H$Q>rV hm ì`dgm` Ho$bm OmB©b, øm~Ôb AmJ«hr AgUmar ^maVmVrb EH$‘od g¨ñWm. gyMZm Am{U àgmaU ‘§Ìmb` VgoM Am`wf Am{U E’$EgEgAm` gma»`m gaH$mar AñWmnZmZr Á`m g¨ñWo~amo~a Om{hamVr§~Ôb gm‘§Oñ` H$ama Ho$boV, Aem g¨ñWoÀ`m ‘hmg{Md œoVm nwa§Xao!

{ejU {d^mJmV’}$ Ë`m§Mo ì`m»`mZ J«mhH$ ^dZmV Am`mo{OV H$aÊ`mV Ambo hmoVo. 30 Zmoìh|~a amoOr Xwnmar Pmboë`m `m H$m`©H«$‘mg g¨ñWoMo H$m`m©Ü`j A°S>. {earf Xoenm§So> Am{U BVa nXm{YH$mar CnpñWV hmoVo. VgoM {ejU {d^mJmÀ`m H$m`©H$Ë`mªà‘mUo BVa H$m`©H$mar {d^mJmVrb H$m`©H$V}hr R>mUo, S>m|{~dbr Vo {damanmgyZ Amco hmoVo. gwYra ’$S>Ho$ g^mJ¥hmVbo Vo XmoZ Vmg Om{hamVr§~ÔbMo AmH$bZ Am{U Ë`m~ÔbÀ`m {Z`‘m{XH$m§Mr A§‘b~OmdUr `m g¨X^m©V doJim Ñï>rH$moZ XoD$Z Jobo.

{ejU {d^mJ à‘wI dgw§Yam XodYa `m§Zr CnpñWVm§Mo ñdmJV Ho$bo. H$m`m©Ü`jm§À`m hñVo Amnë`m {dVaUmVrb gwŠ`m‘oì`mMr N>moQ>rer H$a§S>r {dVaUmMr Md åhUyZ {Z‘§{ÌV d³Ë¶m œoVm nwa§Xao `m§Zm XoÊ`mV Ambr. E‘.’$m‘©. Agboë`m ‘mZZr` d³Ë`m§Zr ~hþamï´>r` Am¡fY H§$nÝ`m§‘Üò {Z^mdboë`m {d{dY O~m~Xmè`m Am{U Ho$bobr J«mhH$m{^‘wI H$m‘o `mMm n[aM` A§Obr nmoVXma `m§Zr H$ê$Z {Xbm.

gwédmVrbmM œoVmVmBªZr ì`m»`mZ nañna g¨dmXmVyZ ìhmdo, Aer BÀN>m ì`º$ Ho$br Am{U àý {dMmaÊ`mg gm§{JVbo. H$m`©H$Ë`mªZr {dMmaboë`mbm àým§Zm Ë`m§Zr gmoß`m ^mfoV CÎmao {Xbr.

"AmñH$s'Mo H$m‘ H$go MmbVo, Om{hamV XmIdÊ`mnydu Vr {Z`‘mV ~gVo H$m (goÝgm°a) ho nmhm`bm hdo H$s ZH$mo?, BVŠ`m Amjonmh© Om{hamVr Amåhm§bm {XgVmV, Ë`m H$em? ~§Xr KmVboë`m Om{hamVtMr ‘m{hVr

Om{hamV ~KÊ¶mMr Zdr Ñï>r!- aoIm Ho$iH$a

J«mhH$m§n`ªV bdH$a nmohmoMV Zmhr, ho d Ago AZoH$ àý œoVmVmBªg‘moa ‘m§S>Ê`mV Ambo.

Ë¶m§Zr ÑŠlmì` ‘Ü`m‘mÛmao Ho$di AmñH$sMo H$m‘M Zmhr Va, {d{dY Om{hamVr XmIdyZ, Ë`mVrb H$moUË`m ‘mJo ¿`m`bm bmdë`m Am{U H$m, ømMo A{Ve` VH©$ewÕ {ddoMZ Ho$bo. Ë`mVrb ‘hÎdmMo ‘wÔo WmoS>Š`mV Amnë`m gdmªgmR>r :∙ ASCI hr 1985 ‘Üò ñWmnZ Pmbobr EH$ Self

Regulatory Organization Amho.

∙ "So that you can trust advertisement' ho Ë`m§Mo ~«rXdmŠ` Amho.∙ Ë`m§Mr website, Whatsapp Number (+91-77100

12345), Toll Free Number (1800 22 2724) Am{U ‘mo~mBbdê$Z VH«$ma H$aÊ`mgmR>r ASCI App Aer gmo` Om{hamV{df`H$ VH«$mar§gmR>r Ho$bobr Amho. ∙ VH«$ma H$aÊ`mgmR>r Hw$R>ë`mhr àH$maMo ewëH$ bmJV Zmhr. {edm` VH«$maH$Ë`m©Mo Zmd Jwá R>odbo OmVo.∙ Am§Vaamï´>r` ñVamda AgUmè`m g¨ñWm§à‘mUoM Ë`m§Mr H$m`©àUmbr Amho. "AmñH$s' ‘Üò 28 OUm§Mr g{‘Vr Amho. Ë`m§Mm 14 OUm§Mm EH$, Ago XmoZ JQ> AgyZ, Xa AmR>dS>çmbm EH$ JQ> Amboë`m VH«$matda MMm© H$aVmo d {ZU©` KoVmo. `m g{‘Vrda CËnmXH$, g‘mOmVrb {dMmad§V `m~amo~a J«mhH$ à{V{ZYrgwÕm AmhoV.


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∙ VH«$ma mo½` dmQ>ë`mg Om{hamVXmamH$So> nmR>{dbr OmVo. Ë`mda Om{hamVXmamMr à{V{H«$`m/CÎma {d{eï> H$mbmdYrV `mdo bmJVo. H$Yr Om{hamVXma Ë`mÀ`m Om{hamVrV ~Xb H$aVmo Va H$Yr Vr ~§XM H$amdr bmJVo.∙ ~§Xr KmVboë`m Om{hamVr AmñH$sÀ`m do~gmBQ>da àog ZmoQ>À`m Ûmao {Xë`m OmVmV. Ë`m‘Üò ~§XrMr H$maUo gwÕm {Xbobr AgVmV.

∙ National advertising monitoring service 45,000 Om{hamVr d 1600 TV M°Zob daÀ`m Om{hamVtda bj R>odyZ MwH$sÀ`m, {Xem^yb H$aÊ`mè`m Om{hamVt~Ôb [anmo{Q>ªJ H$aVo.∙ AmñH$s hr g¨ñWm XoeâmVrb, gd© joÌmVrb qàQ> A±S> Q>rìhr da òUmè`m Om{hamVtÀ`m VH«$mar ñdrH$mê$Z Ë`mda {ZU©` XoVo. H$mhr Om{hamVtda g¨ñWm Suo Moto

nÕVrZo H$madmB© H$aVo. hr nÕV Adb§~ë`mZ§Va Joë`m dfm©V 2300 VH«$mar upheld Pmë`m AmhoV. H$mhr VH«$mar Ë`m§Zm I & B Ministry H$So> nmR>dmì`m bmJVmV. H$mhr doim XmoZ ~hþamï´>r` H§$nÝ`m EH$‘oH$m§{déÕ ASCI H$So> VH«$ma H$aVmV.∙ ASCI Zo {Xbobm {ZU©` CËnmXH$m§Zm ~§YZH$maH$ AgVmo.

œoVmVmBªZr àmoOoŠQ>aÀ`m gmhmæ`mZo doJdoJù`m Om{hamVr XmIdyZ Ë`mVrb Hw$R>ë`m aÔ Ho$ë`m qH$dm ~Xbmì`m bmJë`m Vo gm§{JVbo. Ë`m‘mJMr H$maUo -

1. Agwa{jV àdmg … ñHy$Q>ada VrZ OU ~gbob§ XmIdVmV Am{U VogwÕm hoë‘oQ> Zm KmbVm!

2. ñQ>§Q>~mOr XmIdUmè`m … emhéI ImZ aoëdo éimda ~gbm Amho.

3. H$mhr Amamo½`mbm KmVH$ CËnmXZm§À`m

Om{hamVr … U B Fair {H«$‘Mr Om{hamV- Ë`mV ËdMobm

hm{ZH$maH$ KQ>H$ AmhoV Ago ËdMmamoJ VÁkm§Mo ‘V Amho.

4. {ejU joÌmVrb … {dÚmnrR>o XoV Agbobr

ZmoH$arMr h‘r AJa {dÚmnrR>mV {d{eï> {ejUH«$‘mgmR>r

Amdí`H$ Ë`m gw{dYm ZgVmZm, Ë`m AmhoV Ago åhUUmè`m

Om{hamVr (Aem OmñV H$ê$Z CÎma ^maVmV AmT>iVmV -

Agohr {ZarjU œoVmVmB©Zr Zm|X{dbo.)

`m{edm` AÞ{df`H$, {Xem^yb H$aUmè`m Am{U

Xmê$À`m Om{hamVt~Ôb Ë`m§Zr ‘m{hVr {Xbr.

VH«$ma H$aÊ`mnydu Om{hamVrVrb H$ÝQ>oÝQ> bjmV KoUo

‘hÎdmMo Amho. AZoH$ doim H$mbmZwê$n AmnU H$mhr

Om{hamVr ñdrH$maë`m nm{hOoV.

Ë`m§À`m ì`m»`mZmVyZ Ë`m§Zr gd© H$m`©H$Ë`mªZm

Om{hamVtH$So> Mm¡H$gnUo ~KyZ Hw$R>ë`m Om{hamVr Amjonmh©

Agy eH$Vrb d Hw$R>ë`m ZgVrb Agm {dMma H$aÊ`mMr

{Xem XmIdbr. MwH$sÀ`m Om{hamVt~Ôb J«mhH$m§Zr Oê$a

VH«$ma H$amdr Ago gm§{JVbo. gd© d`moJQ>mVrb Am{U

gm‘m{OH$ ñVamVrb J«mhH$m§Zm gOJ H$aÊ`mÀ`m Ñï>rZo

Cn`moJr ‘m{hVr œoVm nwa§Xao `m§À`m ì`m»`mZmVyZ {‘imbr.

Ë`m§Zr Ë`m§Mo {dMma AJXr ghOnUo ‘m§S>bo.

ASCI Am{U MGP øm XmoÝhr g¨ñWm§À`m H$m‘H$mOmMo

‘yi C{Ôï> {Xem^yb H$aUmè`m Om{hamVt‘YyZ J«mhH$m§Mr

’$gdUyH$ Q>miUo hoM Agë`mZo XmoÝhr g¨ñWm§Zr EH${ÌVnUo

H$m‘ H$amdo Ago Ë`m§Zr gwM{dbo.

H$m`m©Ü`j {earf Xoenm§So> `m§Zr œoVmVmBªÀ`m Cnamoº$

‘wÚmer gh‘Vr Xe©{dbr Am{U Ago gm§{JVbo H$s,

"J«mhH$'À`m A§H$mV {Z`{‘VnUo Om{hamV{df`H$ ‘OHy$a

`mdm. Ë`mgmR>r ASCI Zo Ë`m ‘{hÝ`mV ~mX Ho$boë`m

H$mhr Ho$gogMr ‘m{hVr XoVm òD$ eHo$b. Ë`mVyZ J«mhH$

{ejU d à~moYZmMo H$m‘ hmoV amhrb.

a§OZm ‘§Ìr `m§Zr ‘m. œoVm nwa§Xao øm§Mo Am^ma

‘mZVmZm, `m H$m`©H«$‘m‘wio Om{hamVrH$So> ~KÊ`mMm

Am‘Mm gdmªMm Ñï>rH$moZ WmoS>mgm ~Xbbm, ho AmdOy©Z

Z‘yX Ho$bo. gd© CnpñWVm§Zrhr, EH$ Mm§Jbm CnH«$‘

Pmë¶mMm A{^àm` {Xbm. ◆


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12

Am°ŠQ>mo~a 2017 ‘Üò AéU N>m{~«`m `m§Zr H°$[aà

{‘{S>`m H§$nZrMm EAa H§${S>eZa {dO` goëg ‘YyZ

é. AR>am hOmambm (é.18,000) {dH$V KoVbm. H$mhr

{Xdgm§VM Vmo EAaH§${S>eZa {~KS>bm. Ë`mVyZ J°g {bHo$O,

H$m°åàogaMm AmdmO òUo, nmUr JiUo `m VH«$mar hmoË`m.

Ë`m‘wio EoZ CÝhmù`mV Ë`mMm H$mhr Cn`moJM hmoV ZìhVm!

VH«$maXma N>m{~«`m `m§Zr bJoM H°$[aà ‘r{S>`m H§$nZrÀ`m

gpìh©g g|Q>abm ho boIr H$idbo. Ë`m g|Q>aMo godm A{^`§Vm

(gpìh©g B§{O{Zà) Kar òD$Z Vmo EAa H§$S>reZa XwéñV

H$ê$Z Jobo. WmoS>çm {Xdgm§VM Vmo naV {~KS>bm! `m doir

nwÝhm boIr VH«$ma Ho$ë`mda Vmo EAa H§${S>eZa H§$nZrÀ`m

gpìh©g g|Q>a‘Üò (H§$nZrÀ`m gm§JÊ`mdê$Z) nmR>dÊ`mV

Ambm. {VWo Vmo XwéñVhr Pmbm. AmVm ‘mÌ EAaH§${S>eZa

ì`dpñWV H$m‘ H$aob mMr ImÌr H§$nZrZo N>m{~«`m§Zm H$ê$Z

{Xbr. nU nwÝhm H$mhr {Xdgm§Zr Ë`mV OmñVM {~KmS>

Pmë`mMo N>m{~«`m `m§Zm OmUdbo åhUyZ Ë`m§Zr gpìh©g

g|Q>aer nwÝhm g¨nH©$ gmYyZ Ë`m§Zm gm§{JVbo H$s Á`m AWu

hm Zdm EAaH§${S>eZa dma§dma {~KS>Vmo `mMm AW© Ë`mV

‘wb^yV Xmof (manufacturing defect) AgmdoV, åhUyZ

H°$[aà {‘{S>`m H§$nZrZo Amnë`mbm Vmo ~XbyZ "Xwgam

EAaH§${S>eZa Úmdm' Aer ‘mJUr boIr ñdê$nmV Ho$br.

H°$[aà H§$nZrH$Sy>Z H$mhrM CÎma Ambo Zmhr. `m gd©

gXmof EAa H§${S>eZa ~XbyZ {‘imbm

Amnë`m VH«$ma ‘mJ©Xe©Z H|$Ðm§Mm bm^ AZoH$ J«mhH$m§Zm hmoV AgVmo. Hw$UmMr VH«$ma gwQ>Vo, Va Hw$Umbm mo½` ‘mJ© g‘OVmo. {R>H${R>H$mUr MmbUmè`m VH«$ma ‘mJ©Xe©Z H|$Ðm§V Amnbo H$m`©H$V} {dZm‘yë` ‘mJ©Xe©Z H$aV AgVmV. Ë`m§À`m‘wio EImXr VH«$ma gmoS>dbr OmÊ`mMo g‘mYmZ ‘moR>o AgVo.

àH$aUmV EAaH§${S>eZaMr h‘r (dm°a§Q>r) g¨nm`bm EH$ ‘{hZm ~mH$s Cabm hmoVm. Ë`m‘wio VH«$maXma N>m{~«`m `m§Zr Amnë`m ‘w§~B© J«mhH$ n§Mm`VrÀ`m J«mhH$ ^dZ òWrb VH«$ma ‘mJ©Xe©Z H|$ÐmV Ymd KoVbr. Ë`m§Mr VH«$ma `mo½` Agë`mMo {ZX©eZmg òVmM ‘r H°$arà {‘{S>`m H§$nZrg nÌ nmR>dbo. Ë`m nÌmV Ë`m§Zm J«mhH$ gäjU H$m`ÚmVrb H$b‘ (2)(1)(’$)Zwgma H°$[aà ‘r{S>`m H§$nZrZo N>m{~«`m `m§Zm ‘wb^yV Xmof Agbobm (manufacturing defect) EAaH§${S>eZa {Xbm åhUyZ dma§dma XwéñV H$ê$Z gwÕm Vmo XwéñV hmoV Zgë`m‘wio VgoM H§$nZr VH«$marÀ`m nÌmbm CÎmao XoV Zgë`m‘wio J«mhH$ gäjU H$m`ÚmÀ`m H$b‘ (2)(1)(a)Zwgma hr AZw{MV ì`mnmar àWm (unfair

trade practice) R>aVo! `m H$maUmZo H§$nZrZo EAaH§${S>eZa ~XbyZ XoUo ho J«mhH$ gäjU H$m`Úmbm Yê$Z hmoB©b! Xwgam ‘wÔm Agm hmoVm H$s, H°$[aà H§$nZrbm EAaH§${S>eZaÀ`m dm°a§Q>r H$mimV ({dZm‘yë` XwéñVr H$ê$Z XoÊ`mMr h‘r) gd© XwéñË`m ‘mo’$V H$ê$Z XoUo ~§YZH$maH$ hmoVo nU Zo‘Ho$ hoM H$aÊ`mMo H§$nZrZo Q>mibo. hr gwÕm J«mhH$ gäjU H$m`ÚmVrb H$b‘ (2)(1)(J) Zwgma godoVrb ÌwQ>r R>aVo (So>{’$qeAZgr Am°’$ gpìh©g) R>aVo. Var H§$nZrZo N>m{~«`m `m§Zm EAaH§${S>eZa Ëd[aV ~XbyZ Úmdm, Ago boIr gm§{JVbo. VgoM ‘r H°$[aà H§$nZrÀ`m lr. ndma `m§À`mer XyaÜdZrda g¨nH©$ gmYë`mda Ë`m§Zr EAa H§${S>eZa ~XbyZ XoÊ`mMr ½dmhr {Xbr d h‘r (dm°a§Q>r) Mm H$mi dmT>dyZ {Xbm. {Xbobm eãX H§$nZrZo nmibm. VH«$maXma N>m{~«`m `m§Zm EAaH§$S>reZa ~XbyZ {‘imbm. N>m{~«`m `m§Zr Am^mamMo nÌ ‘w§~B© J«mhH$ n§Mm`VrÀ`m VH«$ma ‘mJ©Xe©Z H|$Ðmbm nmR>dbo. Ë`m§Mm Vmo AmZ§X nmhÿZ AmnU `mo½` {R>H$mUr H$m`© H$aVmo `mMo g‘mYmZ dmQ>bo.

eãXm§H$Z … dZ‘mbm ‘§Owao

VH«$ma Aer gwQ>cr.... - e{‘©bm amZSo>VH«$ma ‘mJ©Xe©Z H|$Ð, J«mhH$ ^dZ


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g§ñWoMo gXñ` gd©Xya ngabo AmhoV, AJXr nmbKa Vo WoQ> X{jUobm aËZm{Jarn`ªV. ‘w§~B©À`m VwbZoV {VWo g¨K MmbdUo, dmQ>n H$aUo ho AJXr doJù`m nÕVrZo hmoV AgVo. g¨ñWoMo gd© {R>H$mUmMo ñd`§godr H$m`©H$V} hr H$m‘o gmVË`mZo H$arV AgVmV. JaO AgVo Vr AmnU Ë`m§À`m n`ªV nmohmoMÊ`mMr, g¨KQ>Z KÅ> ìhmdo `mgmR>r àË`j g¨dmX gmYÊ`mMr.

16 Am{U 17 {S>g|~a amoOr AZwH«$‘o O§{Oam-‘wéS> Am{U ZmJmd òWo gXñ`m§~amo~a g^m Am`mo{OV H$aÊ`mV Amë`m hmoË`m. Ë`mgmR>r g¨KQ>Z {d^mJ à‘wI g{dVm Xm|Xo, {ejU {d^mJ à‘wI dgw§Yam XodYa, Am{U Amåhr XmoKo {‘iyZ e{Zdmar ‘wéS> JmR>bo. R>mÊ`mhÿZ {dVaU H|$ÐmMo H$m`m©Ü`j A^` Omoer, IaoXr g{‘Vr gXñ` nQ>dY©Z Am{U nXm{YH$mar {‘iyZ ghmOU CnpñWV hmoVo. ‘wê$S>‘Yrb gd© gmo` gwaoe dV©H$ `m§Zr ‘moR>çm AJË`mZo H$ê$Z, ‘w§~B©H$am§Mr a{ddmar gH$mir ZmJmdbm nmR>dUr Ho$br. ‘wê$S>Mr g^m Ë`m§À`mM A§JUmV Am`mo{OV Pmbr, Va ZmJmdmÀ`m gôMr O~m~Xmar {dZ` Hw§$Q>o Am{U A{^{OV Xod `m§Zr KoVbr hmoVr. hr g^m {dZ` Hw§$Q>o `m§À`m "ZoMa ar{Q´>Q> Qób' òWo AJXr {ZgJ© gm{ÞÜ`mV nma nS>br. ‘wéS>bm 77 gXñ`m§Mm EH$M g¨K Amho, Va ZmJmd-Ajr-A{b~mJ òWo AZoH$ g¨K AmhoV.

‘wéS> òWrb ‘{hbm J«mhH$ g¨KmV {dVaU H$go hmoVo `mMr ‘m{hVr lr. Xm§So>H$a `m§Zr {Xbr. ‘moR>çm gXñ` g¨»ò‘wio Ë`m§Zm òUmè`m g‘ñ`m§da 12 Vo 15 gXñ`m§Mo N>moQ>o g¨K ~ZdUo, hm CÎm‘ Cnm` R>aob, ho CnpñWVm§À`m

‘wéS> Am{U ZmJmd-Ajr-A{b~mJ òWo g¨dmXg^m

bjmV AmUyZ XoÊ`mV Ambo. {dVaUmì`{V[aº$ g¨ñWoÀ`m H$m‘mMo Oo {d{dYm§Jr

ñdê$n Amho Ë`mMr ‘m{hVr g{dVm Xm|Xo Am{U dgw§Yam XodYa `m§Zr {Xbr. J«mhH$ {ejU, gäjU Am{U Ë`mMm EH$ ^mJ AgUmar VH«$ma {ZdmaU ‘mJ©Xe©Z H|$Ðo øm ~m~VrV H$m‘ gwê$ H$amdo, g¨ñWm Ë`mgmR>r gd© àH$mao ‘XV Z¸$s H$aob, hr ‘m{hVr ‘wéS>H$am§Zm Zì`mZo g‘Obr, H$maU 16 {S>g|~a Mr g^m hr VoWrb Aem àH$maMr n{hbrM g^m hmoVr.

ZmJmdÀ`m gôbm EHy$U 70 OU CnpñWV hmoVo. Xyadê$Z Amboë`m øm gXñ`m§Mm CËgmhr gh^mJ nmhÿZ, BWo H$m‘ dmT>Uma, Aer Anojm {Z‘m©U Pmbr Amho. ^moOZmÀ`m doir Pmboë`m AZm¡nMm[aH$ MM}doir CnpñWVm§Zr à{ejH$m§Mo à{ejU Am`mo{OV H$aÊ`m‘Üò ñdmañ` XmI{dbo Amho. {dVaU ì`dñWo~Ôb, {VÀ`m AMyH$nUm ~Ôb g‘mYmZ ì`º$ H$aVmZm, H$mhr ì`mdhm[aH$ ÌwQ>r§da ~moQ> R>odbo Jobo. Ogo : {~ñH$sQ> Am{U AJa~Îmr nwS>m, AJa YwÊ`mMm gm~U EH$Ì JmoUrV AgUo. `mda "Aem ~m~tda bj R>odÊ`mV òB©b. gXñ` ‘bm H$Yrhr ’$moZ H$ê$ eH$VmV', Ago A^` Omoer `m§Zr gm§{JVbo. Imo~aob {‘iV Zmhrò, {M¸$s aÔ Pmbr, JìhmV nmoa{H$So>, Vri Vob qH$dm {ghmoa JìhmMm ^md `mgma»`m VH«$mar§da IaoXr g{‘VrMo nQ>dY©Z Am{U g{dVm Xm|Xo `m§Zr dñVwpñWVr gm§JyZ, e§H$m{ZagZ Ho$bo. Amdí`H$ {VWo bj KmbÊ`mMo AmœmgZ gd© nXmYrH$mè`m§Zr {Xbo.

XmoÝhr {R>H$mUr CnpñWVm§Mm gh^mJ J«mhH$ {ejUmÀ`m H$m‘mV Agmdm, MidirÀ`m H$m‘mMo ñdê$n Ë`m§À`m bjmV `mdo d Ë`mMdoir à~moYZ ìhmdo, Aem hoVyZo dgw§Yam XodYa `m§Zr {d{dY ImÚnXmWmªMr doï>Zo ~amo~a Zobr hmoVr. Vr dmQy>Z, Ë`mdarb ‘m{hVr Am{U J«mhH$m§Mo h¸$ `m§Mr gm§JS> KmbrV {ejU ho EH$àH$maMo bgrH$aU Amho, OoUoH$ê$Z VH«$ma {Z‘m©U hmoÊ`mg à{V~§Y hmoD$ eH$Vmo ho ñnï> Ho$bo.

XmoÝhr g^m CÎm‘ Am`moOZmZo èñdr Pmë¶m. ◆

- A§Obr Iao (H$m`©H$m[aUr gXñ`)

- Y‘©amO JmoS>~mobo (X{hga {d^mJr` g{‘VrMo gXñ`)


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dmMy AmZ§Xo

‘mM© 2018 À¶m dmQ>nmVrb nwñVHo$

Zm nyd© Zm n{ü‘ nwñVH$mMo Zmd ‘¡Ì OrdmMo

S>m°. ~mi ’$m|S>Ho$ coIH$/co{IH$m S>m°. Xrnm jragmJa

J«§Wmcr àH$meH$ ‘°OopñQ>H$ npãcqeJ hmD$g

250/- N>mnrc qH$‘V 250/-

164/- dmQ>nmVrc qH$‘V 164/-

Zm nyd© Zm n{ü‘ {dkmZmMr AZmH$bZr` ^rVr ‘ZmVyZ H$mTy>Z gd©gm‘mÝ` ì`º$s¨n`ªV {dkmZ nmohmoM{dUo , Ë`mVrb JyT> ahñò A{Ve` ‘‘©J«mhr nÕVrZo CbJS>Uo ho S>m°. ~mi ’$m|S>Ho$ ¶m§À¶m boIZmMo d¡{eîQ>ç! `m nwñVH$mÀ`m nmZmnmZmda dmMH$mbm ‘m{hVrMm I{OZm Iwbm H$aVo.

ho Hw$R>ë`mhr EH$m XoemMo, I§S>mMo AJa n[agamMo àdmg dU©Z Zmhr. ê$T>mWm©Zo Ë`mda {e¸$m ‘maUo ’$ma H$R>rU Amho. gëmoYH$mMr {ZarjU eº$s, emókmMo gVV OmJ¥V Ago Hw$Vyhb, d¡km{ZH$mMr Vrd« kmZbmbgm, g¨ñH¥$VrM§ g§{MV Am{U ^mfmà^wËd `m§À`m EH$m AZmo»`m agm`ZmVyZ hr {ZarjUo eãX~Õ Pmbr AmhoV.

A§Q>mp³Q>©H$mMm AZw^d XoUmè`m ‘mZd{Z{‘©V Am^mgr A§Q>mp³Q>©H$mnmgyZ gwédmV hmoV Agbr Var `mVrb àËòH$ àH$aU ñdV§Ì Amho. H$moUVohr dmMmdo Am{U {ZgJ© AWdm ‘mZdmÀ`m JyT>aå` eº$s-~wÕrZo {dñ‘`M{H$V hmoD$Z Omdo. Ë`mM~amo~a Á`m ghOVoZo ìhrÝg|V d°Z Jm°J, {nH$mgmo nmgyZ Ho$edgwV, qhXr {MÌnQ>, ‘amR>r ^mdJrVo Vo ‘moj Am{U g‘mYr `m§Mo MnIb C„oI g~§Y boIZmV Ambo AmhoV, Ë`m‘wio Vo Amnbo dmQ>Vo, ho hr ‘hÎdmMo. åhUyZ Va Zmo~ob nm[aVmo{fH$ {dOoË`m§~amo~a KoVbobr Ý`mhmar qH$dm Ë`m§À`m g¨‘obZmbm hOa amhÊ`mMr {‘imbobr gŸr `mMm C„oI Hw$R>ohr AmË‘àm¡T>rMm dmQ>V Zmhr. Vr AgVo Ë`m{Z{‘ÎmmZo {‘imboë`m ZdrZ ñWimÀ`m AmH$bZmMr gŸr.

g’$mar nmH©$Mr ôQ> Amnë`mbm "{ZemMam§À`m OJmV' ZoVo Va nú`m§À`m ghdmgmV OmVmZm boIH$ "njr-VrW©' Agm C„oI H$aVmV. gH$mir gw‘Ywa JmUmao njr Amnë`mgmR>r JmVmV `m ‘mUgmÀ`m Ah§H$mar J¡ag‘OmMm

’w$Jm emór` gË` gm§JyZ ’$moS>VmZm S>m°. ’$m|S>Ho$ {b{hVmV "Vg§ ‘wirM Zmhr. njr JmVmV Vo Amnmnbm àXoe AmIyZ KoÊ`mgmR>r'. AmVm Ah§H$mamMo dJ¡ao CXmhaU KoV Aer emór` ‘m{hVr g‘moa Ambr H$s, bjmV amhmUo {H$Vr ghO hmoUma Zm! qgJmnyaÀ¶m ZmB©Q> g’$marV OJâmVë`m àmÊ`m§Mm gm§^mi {H$Vr {ZJwVrZo Ho$bm OmVmo Am{U Ë`mgmR>r H$m` H$m` gmo`r {VWo AmhoV, Ë`mMr BWbr {MÌ‘` dU©Zo {IidyZ R>odVmV. "Ë`m VwH$VwH$sV Im§~mdê$Z Am‘Mr ZOahr KgaV

hmoVr' qH$dm A’$Jm{UñVmZmVrb ‘mIm}a `m àmÊ`mMo ê$ndU©Z "AmnU harU ìhmd§ H$s ~H$arMm AdVma Aem g¨^«‘mV gmnS>ë`mgmaIm Vmo àmUr dmQ>Vmo' Aem nÕVrZo òV§. A§Ora ho ’y$c Amho, ¶mgmaIr ‘m{hVr BWo {‘iVo Am{U Ý¶yPrc§S>À¶m H$moacMo Anma ‘moR>o {dídhr dmMH$mcm ‘§Ì‘w½Y H$arV n[agamMr gd© n¶m©daUr¶ A§Jo ghO CcJSy>Z gm§JVo.

J«r{ZM ‘Yë`m eyÝ` aoImÝembm {Xbobr ôQ> EHy$U ^yJmob Am{U KS>çmio `mMr BVH$s ‘m{hVr ghO nwadVo H$s dmMH$ haIyZ Omdm. hrM Vr aofm- "Zm nyd© Zm n{ü‘' Aer. B{VhmgmMo gmjrXma Agbobo ^r‘ ~oQ>H$m gmaIo ñWi Am{U ‘ÚmMm B{Vhmg gm§JUmar H$mb©Q>Z ~«wAar


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Ë¶m§Zr gma»`mM J§^raVoZo Am{U {dÚmÏ`m©À`m {OkmgoZo nm{hbr Amho, Ago dmQ>Vo. AWm©V gJù`mM {ZdoXZmbm Agbobm Z‘© {dZmoXmMm {eS>H$mdm, Hw$R>ohr {eH$dÊ`mMm Am^mg XoV Zmhr.

H$moQ>r H$moQ>r dfmªnmgyZ Mmbboë`m {ZgJm©À`m brbm§Mo Aä`mgnyU© amoMH$ dU©Z ‘wimVyZ dmMmdo Ago Amho. "‘r AmpñVH$ Agbmo Var ^m{dH$ Zmhr' Ago gm§JyZ "{ZgJm©Mo {ZË`ZyVZ Am{dîH$ma nmhÊ`mV ‘r a‘yZ OmVmo' Ago åhUUmao S>m°ŠQ>a ’$m|S>Ho$ nO©Ý`dZmMr ghb g¨ndVmZm åhUVmV "Á`m {ZgJm©Mm EH$ A§e‘mÌ ‘r Amho, Ë`mÀ`mer EH$ê$n hmoÊ`mMr gŸr ‘bm {VWo bm^br hmoVr. ‘moj qH$dm {Zdm©U åhUVmV Vo hoM Agmdo' ho nwñVH$ {ZgJ© Am{U ‘mZd øm XmoKm§À`mhr B{VhmgmVbo H$mhr jU A{Ve` Zo‘Ho$nUmZo Am{U éOwVoZo dmMH$mg‘moa R>odVo Amho. ¶m nwñVH$mcm AcrH$S>oM XmXa-‘mQw>§Jm H$ëMac g|Q>aV’}$ gÝ‘m{ZV H$aÊ¶mV Amco Amho.

- dgw§Yam XodYa

HHHHHH

‘¡Ì OrdmMo‘¡Ìr ào‘mÀ`m d {dœmgmÀ`m nm`mda C^r AgVo. g‘mOH$maU, amOH$maU, g¨ñH¥$Vr, A{^Z`, gm{hË` Aem joÌm§Vrb ‘mÝ`da ì`º$s¨Zr ‘¡Ì ^mdZoer {ZJS>rV Ë`m§À`m {‘Ì-‘¡{ÌUt{df`rMr Ë`m§Mr ‘Vo d AZw^d `m nwñVH$mV ì`º$ Ho$bo AmhoV.

eaX ndmam§Mr OZ‘mZgmVrb à{V‘m Am{U Ë`m§Mo {‘Ì {dÇ>b ‘{U`ma `m§Zr aoImQ>bobo eaX ndma IynM AmJio AmhoV. Jßnm§À`m ‘¡’$brV d gm{hpË`H$m§gmo~V a§JUmao, Wmoa V‘mem-H$bmd§V `‘wZm~mB© dmB©H$a `m§Zm ‘mZnÌ XoVmZm hido hmoUmao, Ago doJioM eaX ndma Amnë`mbm `m boImV ôQ>VmV.

A{Zb AdMQ>m§Mo Hw$Qw>§~r` d ‘mYd `m§Mo Hw$Qw>§{~` `m§Mo ‘¡Ì Va AZmoIoM Amho. Ë`m§Mo {‘Ì ‘mYd åhUVmV, "{‘Ì H$moU, Va Á`mÀ`mH$So> OmD$Zhr Z ~mobbob§ MmbV§, Vmo Iam {‘Ì!' `mo XmoZhr Hw$Qw>§~mVrb ‘¡ÌrMo F$UmZw~§Y AdMQ>m§Zr Amnë`m Img e¡brV {M{ÌV Ho$bo AmhoV.

A{OV dmSo>H$a `m§Zr Amnë`m {H«$Ho$Q> joÌmVrb

nXmn©UmMr h{H$H$V gm§JVmZm, Ë`m§À`m doñQ> B§{S>O~amo~aÀ`m n{hë`m H$gmoQ>r gm‘Ý`mnydu J°ar gmo~g© `m§Zr Ë`m§À`m Kar òD$Z, ñdV: AmUyZ {Xboë`m ~wQ>mMr AmR>dU ‘Zmbm {^S>Umar Amho.

qgYy gnH$mi `m AZmWm§À`m AmB© - OJmdoJio Am`wî` OJUmè¶m órMm {‘Ìhr OJmdoJimM. Vmo Amho M¸$ EH$ ~moH$m. Ë`m§Zo ñdV:Mo ~{bXmZ XoD$Z Amnë`m ‘¡{ÌUrMm Ord H$gm dmMdbm, ho dmMm`bmM hdo.

gwYra JmS>Jri `m§Zm {dZ` AmnQ>o `m§À`mgmaIm A’$mQ> Am{U A’$bmVyZ {‘Ì bm^bm, åhUyZ Vo ñdV:bm ^m½`dmZ g‘OVmV. Ë`mÀ`m ghdmgmVrb AJXr doJù`m AmR>dUr ‘Zmbm ñney©Z OmVmV.

AéUm T>oao `m H${d‘ZmÀ`m bo{IHo$Mr ‘¡{ÌU Amho gË`dmZmMr gm{dÌr. H$maU `m gm{dÌrZo Ë`m§Zm ‘mZdr B{Vhmg dmMm`bm {eH$db§. {ZOud Am{U gm§Ho${VH$ VnerbmMm ’$mobnUm Ü`mZmV AmUyZ {Xbm Am{U eãXmVë`m ‘mUgm§Mm AmË‘m XmIdbm.

{H$emoa H$X‘ ho ZQ>, boIH$ Am{U H$dr. Vo gm¡{‘Ì ZmdmZo H${dVm à{gÕ H$aVmV. EH$mM ì`º$sMr XmoZ ê$no EH$‘oH$m§Mr {‘Ì AmhoV! {H$emoa H$X‘ {b{hVmV- "{H$emoa Amnbm {‘Ì gm¡{‘Ì `mbm H$mhr ^md^mdZm§Mr IyUJmR> gm§JV AgVmo Am{U Vo gJi§ H${dVoÛmam gm¡{‘Ì A{^ì`º$ H$aV AgVmo.'

H$dr, boIH$, àdrU XdUo `m§Zr Ë`m§À`m {Xd§JV {‘Ì ^moB©gam§Mo a§Jdbobo ì`{º${MÌ ‘Zmbm MQ>H$m bmdVo. H$maU ga `m OJmV ZgVmZmhr XdUo `m§À`mgmo~V gX¡d AgVmV, hr OmUrd!

Aem à{VWè ì`º$s¨À`m ‘¡Ìr~ÔbMo ho nwñVH$ {dH$V KoD$Z dmMm`bmM hdo.

- AZwamYm Zagmio


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Here is the brief summary of the letter-

We have carefully examined the Financial Resolution & Deposit Insurance Bill – 2017 (FRDI Bill) which seeks to address the issues of failure of financial service providers including banks which handle consumer funds. The Bill also seeks to establish of Resolution Corporation for protection of consumers and protection of public funds. The Bill further seeks to provide deposit insurance to protect bank depositors who are largely from low-income and middle-income groups. As a consumer organisation, we therefore naturally had great expectations from this Bill. Unfortunately, we regret to state that we are very much disappointed after critically examining this FRDI Bill.

Bail-in & Hair-cut : Some of the important provisions in the said Bill, such as Bail-in providing Hair cut and converting the deposits into equity much against the wishes of the Depositors, are going to be detrimental to the interest of bank depositors and thus in direct contrast with the very objective of providing depositor protection. We do feel such provisions are bound to deter the depositors from keeping their hard-earned money with banks in the form savings or term deposits. We, as a consumer organization, have a very strong objection to such unilateral conversion of deposits of the depositors into

MGP's Appeal to Finance Minister

equity of any dwindling bank.

Deposit Insurance: Presently DICGC provides insurance on bank deposits upto Rs. 1 lakh only. This limit of Rs 1 lakh has not been revised for last more than almost 25 years. It is therefore quite possible that the Resolution Corporation may revise this limit to Rs. 5 lakhs, or Rs. 10 lakhs or even Rs 15 lakhs. However, the issue we raise is why not every single Rupee of the depositors in the banks, without any limit, be insured? You will appreciate that consumers have every right to expect that their entire savings in banks are safe, secured and fully insured because when the same money is given by the banks as loans to the borrowers, the banks do obtain more than 100 % security from them. Under such circumstances, why a sum of only Rs 1 lakh of each depositor is insured? Why not the entire amount of deposits in the banks, without any higher ceiling, be insured?

Scheme of Dual Regulators a potent danger: The FRDI Bill seeks to create a Super-Regulator in the name & style of Resolution Corporation. This Resolution Corporation is expected to inter-act with the concerned Regulators in the Financial sector such as RBI, SEBI, IRDA, PFRDA. Thus, for every financial sector there would now be dual Regulators. Some provisions in the Bill provide that Resolution Corporation will take decision after consulting the concerned Regulator and some other provisions provide that the concerned Regulator will take decision after consulting the Resolution Corporation. We visualise situations where there would be differences of opinion between the concerned Regulator and the Resolution Corporation. Such differences of opinions will lead to

- Adv. Shirish DeshpandeChairman, MGP

After carefully examining the Financial Resolution & Deposit Insurance Bill – 2017 (FRDI Bill) , we wrote to the Finance Minister Arun Jetley. We have briefly narrated some of the objectionable and harmful provisions in the FRDI Bill.


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delays and complications in resolution of the actual problems which are required to be resolved by the Resolution Corporation. In our honest opinion, the very architecture of this Bill which provides inter-phase and inter-play of two Regulators in the decision making process, is going to prove a major problem in future and will defeat the very objectives of the said Bill.

Defaulting Borrowers left untouched: We are extremely distressed to see that the FRDI Bill gives sweeping powers to the Resolution Corporation to give hair cut to the honest and innocent bank depositors for bailing-in the bank in distress or a sinking bank. The Bill also further provides for Public Examination of those Directors & employees of the Banks if found responsible for causing losses to bank with mala fide or fraudulent intentions and provides action against them. However, curiously, the Bill seems to be totally silent about the main culprits i.e. influential but persistent and wilful defaulters who manage to dodge their liabilities and endanger the bank’s very existence or continuance.

Provisions of Bill themselves will invite run on the banks: Sec. 36 of the Bill provides classification of the specified service provider into five different categories (viz. Mild, Moderate, Material, Imminent & Critical) on the basis of risk viability. No doubt Sec 36 (8) does require the Resolution Corporation, the concerned Regulator and all relevant parties to keep confidential such classification (except critical risk category) with respect to any specified service provider. However, strangely Sec 42 & 43 of the Bill empower the Resolution Corporation to prevent the specified service provider classified into ‘Material Risk’ or ‘Imminent Risk’ category from, inter alia, accepting any more funds, preventing declaration of dividends to shareholders, payment of bonus to employees

and preventing payment of any remuneration to employees, managers in excess of any limit to be set by the Resolution Corporation. Sir, we are at total loss to understand how in such situations, where the Resolution Corporation prevents the specified service provider from any or all of the above acts, the classification of risk category of such service provider can be kept confidential? As a result, the moment the Resolution Corporation would exercise powers as above under Sec 42 & 43 in respect of the Bank classified into Material Risk or Imminent Risk category, it would be known to public and there would be a panic among the depositors and eventually there would a run on such bank, thanks to such classification. Clearly this is highly misconceived and ill-conceived provision and instead of resolution of the existing problem, the problem will only be aggravated.

◆

gwerbm dPo `m§Zm lÕm§Obr

{dbonmb} {d^mJmVrb Áòð> H$m`©H$Ë`m© gwerbm dPo `m§Mo ewH«$dma 8 {S>g|~a 2017 amoOr nhmQ>o {ZYZ Pmbo. 1983 nmgyZ Ë`m {dbonmb} {d^mJmV H$m`©aV

hmoË`m. Ë`m§Zm Amnë`m g¨ñWoV’}$ CËH¥$ð> H$m`©H$Vm© nwañH$mamZo Jm¡adÊ`mV Ambo hmoVo.

{dbonmb} (nyd©) {d^mJmMo VH«$ma ‘mJ©Xe©Z H|$Ð 1990 ‘Üò gwê$ Pmbo, Vo gwédmVrg lr. Hw$‘ma àYmZ `m§À`m KamVyZ MmbV Ago. gw{ebm dPo m§À`m à`ËZmZo CËH$f© ‘§S>i òWo OmJm {‘imbr. V.‘m. H|$ÐmMr O~m~Xmar dPo~mBªZr 2015 n`ªV {Zð>oZo gm§^mibr. {dbonmb} {d^mJ H$m`©H$m[aUrÀ`m ~¡R>H$m§gmR>r Ë`m Ë`m§Mr OmJm dmnam`bm XoV.

Ë`m Amnë`m g¨ñWoMr àH$meZo emim-‘hm{dÚmb`m§V OmD$Z {dH«$s H$aV AgV. {d^mJmVrb "{dÚmWu J«mhH$ n§Mm`V noR>o'‘Ü¶o Ë`m§Mm CËgmhr gh^mJ Ago. Ë`m§Zm {dZ‘« lÕm§Obr.


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{hdmim F$Vy åhUOo ËdMoMr Img H$miOr KoÊ`mMm F$Vy, Ë`m‘wio gm¢X`© àgmYZm§da IM© Ho$bm OmVmo. na§Vw ~mOmamV {‘iUmar gd©M gm¢X`© àgmYZo ËdMogmR>r, gm¢X`m©gmR>r Cn`wº$ AgVmVM Ago Zmhr. VgoM Á`m qH$‘VrV Vr {dH$V KoVbr OmVmV Ë`m bm`H$ Vr AgVrcM `mMr ImÌr XoVm òV Zmhr. `m gm¢X`© àgmYZm§{edm` AJXr KaJwVr Cnm` H$ê$Zhr Amnbo gm¢X`© dmT>dVm, {Q>H$dVm òVo, ho `m boImVyZ Amnë`m bjmV òB©b.

e°mda Oob … ~è`mMem e°mda Oob‘Ü¶o H$mhr agm`Zo dmnabocr AgVmV. Ë`m‘wio ËdMoVrb aº$ àdmhmV AS>Wio oD$Z ËdMoMo ZwH$gmZ hmoVo. Am§KmoirÀ`m gm~Um‘wio ËdMm H$moaS>r dmQ>br Var m "{ZamoJr' n`m©`mMr gd` ~ar.

brn ~m‘ … `m ~m‘‘wio AmoR>m§Mo gäjU hmoVo, Agm Xmdm AZoH$ CËnmXH$ H$aVmV. H$mhr brn ~m‘ ‘Yo AëH$mohmob Agë`mZo AmoR>m§Zm hmZr nmoMVo. `m EodOr AmoR>m§Zm A°m{bd Vob, Imo~aob Vob qH$dm EImXo ‘°mBüam`Pa bmdmdo.

A±Q>r S±>S´’$ emåny … `mMm n[aUm‘ WmoS>çm doimgmR>rM Agë¶mZo ¶mMm dmna gVV H$amdm bmJVmo. `m EodOr S>moŠ`mÀ`m ËdMobm {Z`{‘V ‘°m{be H$amdo. Ë`m~amo~aM AmhmamV OrdZgËdo d I{ZO nXmWmªMm dmna H$amdm.

A±Q>r-EqOJ H«$s‘ … "H§$Â`w‘a arnmoQ>© hoëW'À`m Aä`mgmZwgma gdm©V ‘hmJ A±Q>r-EqOJ H«$s‘Zohr ËdModarb gwaHw$Ë`m H$‘r hmoV ZmhrV. `mgmR>r ZmaimMo Vob JwUH$mar R>aVo. `m VobmZo ËdMoMm n¥ð>^mJ ñdÀN> hmoD$Z gwaHw$Ë`m nS>V ZmhrV.

ñH$sZ bmoeZ … `m bmoeZ‘Yo ËdMobm hm{ZH$maH$ Aem agm`Zm§Mm dmna Ho$bobm AgVmo. ~Xm‘ qH$dm ZmaimMo Vob ËdMogmR>r dmnamdo. Vo "‘°mBüam`Pa' Amho.

~°mS>r ñH«$~ … `mMm Am{U dmna Ho$ë`mZo Amnbo d` OmñV dmQy> eH$Vo. `mbm n`m©` åhUOo gmIa, ‘rR>, ~oqH$J gmoS>m, H°$m’$s qH$dm J«rZ Q>r.

goë wbmBQ> Am{U ñQoM‘mH©$ H«$s‘ … goë wbmBQ>

gm¢X¶© àgmYZm§nmgyZ ËdMm gm§^mimåhUOo ËdModa EH$m {R>H$mUr O‘m Pmbobm ‘oX Va ñQoM‘mH©$ åhUOo ËdModa CR>boë`m aofm. ho gd© OmÊ`mgmR>r dmnaboë`m H«$s‘Mm Cn`moJ hm VmËnwaVm AgVmo, ho bjmV ¿`mdo.

S>mH©$ gH©$ëggmR>r Am`H«$s‘ … ~è`mM OUm§Mr S>moù`m§^modVmbMr ËdMm H$mir nS>Vo. hr H$mir ËdMm H$moUË`mhr H«$s‘À`m dmnamZo COiV Zmhr. Ë`mgmR>r nwaoer Pmon, ânya nmUr {nUo VgoM A±Q>rAm°ŠgrS§>Q>`wº$ Amhma Cn`wº$ Amho.

hoAaJ«moW CËnmXZo … "Ho$gm§Mr dmT> hmoB©b' Agm Xmdm H$aUmè`m CËnmXZm§‘wio IaoVa ZdrZ Ho$g CJdV ZmhrV. ’$º$ Ë`m§Mm XmQ>nUm WmoS>m dmT>Vmo. `m CËnmXZm§Mm dmna H$aÊ`mnojm XwVm|S>r (pñßbQ> E§S²g) Ho$g Q´r‘ H$amdoV.

‘hmJ gZñH«$sZ Am{U ŠbtOg© … CÝhm‘wio ËdMobm H$moUVrhr hmZr {‘iy Zò `mgmR>r H$moUVrhr ‘hmJS>r H«$såg qH$dm ŠbtOg©da IM© H$aUo hm Cnm` hmoD$ eH$V Zmhr. gm¢X`© àgmYZo KoVmZm … ● ‘yë` Am{U JwUdÎmm `m§Mr VwbZm H$ê$Z ~Km.● EImXm ~«±S> ’$gdm Agy eH$Vmo.● gm¢X`© àgmYZo XwH$mZmVyZM IaoXr H$am. ‘pëQ>bodb -

‘mH}${Q>à, S>m°ŠQ>a qH$dm gbyZ ‘YyZ ZH$mo.● gm¢X`© àgmYZm§‘Yo dmnabobo KQ>H$ nmhÿZM IaoXr

H$aÊ`mMm {ZU©` ¿`m.ê$nm§Va … ‘mZgr H$Mao

Ah‘Xm~mXÀ¶m CERC g§ñWoV’}$ à{gÕ H$aÊ¶mV ¶oV

Agcoë¶m "J«mhH$ gmWr' ¶m Û¡‘m{gH$mÀ¶m E{àc-‘o

2017À¶m A§H$mVyZ gm^ma.


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Postal registration No. MCN/158/2017-2019 WPP licencse No. MR/TECH/WPP-137/North/17 Licencse to post without prepayment, on 5th & 6th Vile Parle (W) P.O. Mumbai 400 056

RNI No. MAHBIL/2011/39044J«mhH$ {VVwH$m ‘oidmdm OmZodmar 2018

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