sebi guidelines for new inverstors

7/24/2019 SEBI Guidelines for New Inverstors

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Am{WH {ZmoOZmMo nmR>VU JwVdUwH XmamgmR>r

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2/402

`m nwVH mV H m{eV Hococr m{hVr hr w`Vm EgrEg Q>mH EgM|O Am{U E Q>r kmZ ~YZH nZr {c{Q>oS> (FTKMC) (www.ftkmc.com) `mZr JwVdUwH Xma gajU d {ejU S> ( IPEF) `mgo~r`m AVJV òUm`m gmJma g{Vrm mJXeZmImcr V`ma Ho cr Amho.(`mVrc {MU d wXU aMZm hr EgrEg - EgEg d E Q>rHo Egr `mMr Amho)

OmhraZm_mgo~r gWo H Sy>Z Am{WH jomVrb {ejU, `m CnH _mV \ gm_m` VamMr _m{hVr gdgm_mÒZVog nwa{d`mg Ambr Amho. Oa amoIoH m`Xm, {Z`_, _`mXm, _mJXeZ na Am{U {d{e> {Z`_ `mMr

_m{hVr OmUyZ `md`mMr Ag`mg Hn`mwww.sebi.gov.in `m gHo V Wimda ôQ> m.

H meH^maVr` amoIoAm{U {d{Z_` gWm (go~r)AmJQ 2012

go~r ^dZbmQ> Z. gr-4-A, Or bmH , ~mmHw bm H mbog,~mm (nyd), _w~B-400051\ moZ Z.- 91-22-26449000/40459000/9114\ g - 91-22-26449027 / 40459027B-_ob [email protected]

>`m H meZmV gd H ma`m MwH m Q>mi`mMm, VgoM `mo` _OHy a H m{eV H a`mMm `Z Ho `mJobobm Amho. Var gwXm gwk dmMH mZm `mV H mhr MwH m AmT>i`mM AWdm Amjonmh _OHya Ag`mgH n`m Amhmbm darb n`mda H i{d`mMr Hnm H amdr. OoUo H Z nwT>rb AmdmrV `mV gwYmaUmH a`mV oBb. oWo H n`m bjmV `mdoH r H m{eV H Vm hm nwVH mVrc m{hVrm AmYmamda hmoUmmHw R>`mhr H ma`m ZwH gmZrg VgoM nwVH mMr _m{hVr dmn Z Ho bo`m H `mda AWdm {ZU mgmR>rOdm~Xma amhUma Zmhr.

`m nwVH mMr HwR>`mhr Ad Y H mao N>mnUr H Z o. Hw R>`mhr H ma`m dmVmn, grS>r, Q>on `mV `mnwVH mMr _m{hVr H meH m`m nydnadmZJr {dZm Cn`moJmV AmUw Z o. Aem H maMr H o H m`XoeraH m dmhrg nm R>aVrb.

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3/403

ho {eH `mmJMow` Co` -

y ho nwVH dmM`mZVa, Vwhmcm Imcrc Jmo>r gOyZ oVrc.y JwVdUwH `moOZoMr JaO.y

Vw`m JwVdUwH {ZU m oVwhr mo Am{WH ~m~rMm CnmoJ H eH mc.y ^maVr` AW~mOmamV {d{dY H maMoJwVdUwH mJ CncY AmhoV.y JwVdUwH `moOZm VwMo Am{WH c` JmR>`mg XV H aVrc.y dV:`m yi mcVog d dm{fH AWgH n gOyZ Ko`mg XV hmoBc.

1. VmdZm ....................................... 4

2. Am{WH {Z`moOZ ............................... 4

3. {dmmnyUco ...............................11

4. Vwhr Vw_`m c`mZm H go m H amc ? .....11

5. OmoIr_ {d naVmdo ........................126. MH dmT>VoMogm_` ...........................13

7. _hmJmBMo JwVdUwH sda hmoUmao n[aUm_ .......14

8. ~MV {d JwVdUwH ........................17

9. H O {d JwVdUwH .........................17

10. ~MV d JwVdUwH sMo{dH n / gmYZo .........18

11. gwa{jVVo{dfrMr gmYZo / {dH n .......... 24

12. H O {dfH gmYZo............................ 2713. JwVdUwH sMo V ............................... 30

14. H emH mao ngo J_dmdoZmhrV? ............... 31

15. JwVdUwH sg gwdmV H er H amdr ? ..........32

16. Am{WH {ejUmMo\ m`Xo . .....................33

17. JwVdUwH XmamMr gwajm d VHma {ZdmaU nV . 34

18. gma ............................................35

19. _hdnyU do~ gHoV Wio ....................35

AZwH {UH m

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4/404

òH `pVgmR>r Am{WH ~m~tMo{Z`moOZ ho Amd`H Amho. _J Vr `pV emioVrc {dmWu XeoVrcAgmo AWdm godm {Zdm Pmcocr Oo> `pV Agmo. {OV`m cdH a Vwhr ngm `mo` H mao~YZ H am`cm cmJmc{VVHo MmJco . Agog_Om H s Vwhr `moOZm ~Z{d`mMo R>a{dcoM Zmhr d Vwhmcm OgodmQ>oc Vgo Vwhr ngm IMH aV am{hco. ZVa EH {Xdg Vw_Mr Ka {dH V Ko`mMr BN>m Pmcr naVw _J Vwhr Vo{dH V KoD eH Uma Zmhr.H maU H s Vw_`mnmer Ka {dH V Ko`mOmoJr aH _M ~MVr_YoZmhr. Oa Vwhr `moOZm ~Z{dcr Zmhr d ZwgVoIMM H arV am{hcm, Va _J Ago hmoUmaM. Amn`m JaOm Zo_`m H m` AmhoV? ho Oohm C_JV Zmhr, Vohm ghgm Amn`mH Sy>Z OmV IM hm oVAgVmo. AmnU Amn`m gd BN>m ^mJ{d`mgmR>r IMH arV amhVmo d AmnU Zo_H m {H Vr IM H aVmo Amho hoOmUyZ Ko`mH S>o Xwcj H aVmo. `m_wioAmn`m JaOm d BN>m `m`mVrc ôX AmnU `mo`H mao OmUcm nm{hOo.Ogo H s, amoOMo gH mi-g`mH miMo OodU Am{U KamMo^mS>o B`mXr Jmo>r JaOm_YoòUma d `mnyU XoIrcH am`m cmJUma. naVw, Io`mMr Wi, {d{S>Amo Jog Am{U {MnQ> `mgma`m Jmo>r {dH nm_Yo òVmV d

`m{edm` AmnU OJw eH Vmo. Oar H mhr doiog AmnU Amn`m BN>mda IM Ho cm Zmhr Am{U H mhr aH _~MV Ho cr Va Ho co`m ~MVrVyZ AmnU dmhZ, Ka, CM{ejU B`mXtgma`m JaOm EH m {ZpMV H mcmdYrVnyU H eH Vmo. `moOZm ~Z{dUohUOo Ago AgVo. `mV `moOZm ~Zdm, ~MV H am Am{U dVMr Am{WH cò mV H a`mg dVM nwT>mH ma `m. Oohm Vwhr cdH a `m H mamg gw dmV H aVm hUOo Vwhr Vw_`m ^{d`mVrc Am{WH c`mH arVm`moOZm ~ZdyeH Vm Am{U Vwhmcm Oohm dmQ>oc Vohm Vr mV H eH `mMm \ m`Xm `mVyZ Vwhmcm {_iy eH Vmo.ho H m e` hmoV H maU H s, Vwhmcm Vw_`m JwVdUwH s H am`cm VgoM {d{dY H ma`m O_mnwOrMo~YZ H am`cmOmV doi/H mi {_iVmo. òH emiH ar {dm`mg `m`m chmZnUmnmgyZ ngo _moO`mg Am{U ^{d`mgmR>rngo~MV H a`mg {eH {dco OmVo . `m_wio mcm `mMr Am{WH cò JmR>VmZm `m nemMm `mo` doir Cn`moJhmoD eHoc. Am{WH {Z`moOZmdarc m H mèmioV _hm{dmc`rZ VUmgmR>r Am{WH {Z`moOZm`m {d{dY ncyZmgm{JVcocoAmho . òH `pVgmR>r Am{WH {Z`moOZ A`V Amd`H Amho. Oa `mMo_hd EImm `pVg

`m`m VUnUmV cdH a H ico Va ^{d`mVrc Am{WH còJmR>Uo A{Ve` gmono hmoVo. {edm` Vwhr Vw_`mJaOm nyU H a`mgmR>r {d{dY Am{WH {dH nm_YoJwVdUwH XoIrc H eH Vm.

1 VmdZm

2.Am{WH {Z`moOZ

Am{WH {Z`moOZ A{Ve` Amd`H Amho `m_wio AmnU Amncr ^{d`mVrc cò nyU H eH Vmo. òH`pVcm dV`m nem Mo ~YZ `dpWV H mao H a`mMr JaO g_Ocr nm{hOo. Mcm Va _J ho g_OUo H mJaOoMo Amho hoCXmhaUmd Z nmh `m.`m CVm`mV {Xcocm gdmX hm eVZw(17) Omo H s _hm{dmcr`Z {dmWu AgyZ Am{WH jomV dVMoZmVH{ejUnyU H aVmo Amho. Va Xygam {Z{Ic (35) `mMm _moR>m ^mD ZmVH AgyZ Am{WH gmJma hUyZH m_ H aVmo Amho. `m`mVrc gdmX AmnUmg `moOZm V`ma H a`m~m~VMm {>H moZ {deX H aoc Am{U Am{WH{Z`moOZm_mJMr gH nZm gmJoc.eVZw AmR>dS>mâmZVa _m`m OrdcJ {_mMm dmT>{Xdg Amho. _mPr Aer BN>m Amho H s, _r `m`mgmR>rgamBO nmQ>u mdr. _m`m gd dJ-{_mZm `mV AnmonhmamgmR>r _cm ~mocdUo AmdS>oc. H m` H nm H Z _cm

Vy _mJXeZ H aerc H m?{Z{Ic gdW_ Vwcm `mgmR>r EH `moOZm ~Z{dUoJaOoMo AmhoAm{U `mZwgma _J Vwcm V`mar H amdr cmJoc.eVZw nU `m H arVm `moOZm _r H emcm ~Zdw?

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5/405

{Z{Ic `moOZm ~Z{d`m_wio Vw`m JaOm, CncY ggmYZ Am{U Or c` Vwcm mV H am`Mr AmhoV `mMon> {M V`ma hmoBc. Oa Vy `moOZm ~Z{dcr Zmhr, Va VyhmVmV KoVcoco H m_ nyU hmo`mMr emdVr amhUmaZmhr Am{U CncY ggmYZmMm An`` XoIrc hmoUma. g_Om AmnU `moOZm ~Z{dcr Zmhr, Va _J Vw`mgdM dJ{_mZm Am_U XoUo EImX doiog e` hm oUma Zmhr. hmoD eH V {ZpMV doiocm Amn`mH Sy>Z gdmZmAnmonhma {X`m OmUma Zmhr Am{U `m_wio Vw`m BN>ogmaIr O_{XdgmMr nmQ>r Vy XoD eH Uma Zmhrg. nU

Oa H m AmnU `moOZm ~Z{dcr, Va AmnUmH Sy>Z MyH m hmoUma Zmhr `mMr Imr ~miJVm òBc Am{U Hw R>`mhrAZmhV gJmcm AmnU Vm|S> Xo`mg gO amh eHy .eVZw hmo! `m gd Jmo>tMm _r n{hco {dMmaM Ho cm Zmhr. Am_Mo JwVdUwH sMo m`mnH XoIrc Am{WH{Z`moOZm`m n{h`m H mèmioV `moOZm ~Z{dUoH m Amd`H Amho `m~m~VrV gmJV hmoVo. Am{WH {Z`moOZhUOoH m`?{Z{Ic -Am{WH {Z`moOZ hUOoVw_`m Am{WH ~m~tMr `moOZm ~Z{dUo. `mH arVm `m `pVg dV`mAm{WH JaOm qH dm C{>o `dpWV g_OUoAmd`H Amho Am{U `mZVa hr C{>o qH dm cò `moOZm ~ZdyZJwVdUwH s`m qH dm H OmD aH _omam VmoH gm nyU H eH Vmo hohr g_OUoJaOoMo Amho.eVZw- `m gd H mamerM VwPm `dgm` g~{YV Amho H m?{Z{Ic - hmo . Am{WH gmJma hUyZ JwVdUwH Xmam`m Am{WH ~m~t`m `moOZm ~Z{dUo Am{U `m`mJwVdUwH sMo ~ YZ H aUoAem godm _r nwa{dVmo. Amhr JwVdUwH XmamZm `mMm ngm Hw R>`m `mo` gnmr_YoJwVdmdm VgoM hon`m H go {ZdS>mdo OoUoH Z Vo`m`m ^{d`mVrc Am{WH JaOm nyU H eH Vrc `m~m~V_mJXeZ H aVmo.eVZw- Va _J AmVm dmT>{Xdgm`m nmQ>ugmR>r _r H er `moOZm ~Zdy?{Z{Ic - gdW_ Amn`mOdi CncY Agco`m Jmo>tMr `mXr ~Zd Am{U nmQ>ugmR>r cmJUm`m Jmo>tMrXoIrc mXr ~Zd. (Imcr {Xcocm VVm nhm. `mV eVZwZo mdm`m ZmZwgma Amd`H Jmo>tMr mXr ~Z{dcr.){Z{Ic -gdW_ VygmJ H s `m nmQ>uV Vy {H Vr cmoH mZm ~moc{dUma Amhog?eVZw- _r _m`m gnyU 30 dJ{_mZm ~moc{d`mMr `moOZm AmIcr Amho.{Z{Ic -hm Va _moR>m g_wh Pmcm. H m` Vy Aem nmQ>ugmR>r H mhr aH _ O_m Ho cr Amhog?eVZw- _r _m`m dJ{_mH Sy>Z` 6090 O_m Ho co AmhoV.{Z{Ic -AmVm Amn`mcm H nZm Amho H s, {H Vr {Z_{V òUma AmhoV d CncY nemVyZ AmnUmg gnyUnmQ>u H emH maoH amd`mMr Amho . gdW_, AmnU AnmonhmamgmR>r H mhr ngo gw{ZpMV H Am{U dmT>{Xdgm`mHoH gmR>r XoIrc `m_wio CncY ngm `mo`H mao Cn`moJmV òBc. AnmonhmamgmR>r {H Vr ngo cmJVmV ho Vwcm_m{hVr Amho H m?eVZw- Odi`m \ mQ>\y S> H mZad Z _r 30 `pV`m nmQ>ugmR>r cmJUm`m IMmMr _m{hVr KoVcr Amho. hmIMOdinmg ` 3000 Amho.

nmQ>ugmR>r `moOZm{Z{VmMr gm 30

CncY aH 6,090

Anmonhma 3,000

ôQ>dVw 2,500

{eH 590

{Z{Ic - `mMm AW O_m Ho co`m aH _o`m 50% AmnUmg `mMgmR>r IM òBc. H m` VyVw`m {_mgmR>rôQ>dVwKoUma Amhog Am{U {Z_{VmZm _{V{Mh Xo`mMr BN>m Amho H m?eVZw- hmo`, nU ho e` Amho H m? _r _m`m gd dJ{_mV\} coQ>oeZ `m`mgmR>r {dH V KoD BpN>Vmo.

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6/406

{Z{Ic -ho {ZpMVM e` Pmc AgV, H s Vw {ZdS>cocr ôQ> Amn`m ~OoQ>_Yo ~gcr AgVr. Vgohr H moUVrhr`moOZm ~Z{d`mnydu `mMr Imr H Z `mdr H s Amn`mnmer aH _ {H Vr CncY Amho. coQ>oeZ EoH m`cmN>mZ dmQ>V AmhonaVw Ammm `mMm IM Amn`mcm OmV hmoBc. `mnojm AmnU nadS>oc Aer ôQ>dVw{dH VKoD eH Vmo. `mcm AmdS>Vrc AgoEImm M{cV H nZrMo H nS>o XoIrc ôQ> XoD eH Vmog.eVZw- hr Va \ maM MmJcr H nZm Amho. OdiM Agco`m oQ>dVw`m XwH mZmVyZ A{Ve` AmH fH {H _VrV

gdM H ma`m ôQ> dVw CncY AmhoV. VoWyZ AmnU _{V{Mh XoIrc KoD eH Vmo. mMm IMAmnUmg Odi-Odi` 2500 òBc.{Z{Ic -Va _J Amn`m Odi ` 590 amhVrc. `m nemH arVm Vw`mOdi A` H mhr H nZm AmhoV H m?eVZw- hmo{ZpMVM. Cacocr aH _ AmnU `mgmR>r dmn , mVyZ _r Am_`m gdmgmR>r MmH coQ> {dH V KoDeH Vmo.{Z{Ic -Va _J AmVm _m`m _Vo AmnU nmQ>ugmR>r `moOZm ~Z{dcr Amho. AmVm Vwcm EH H am`MoAmho H sAnmonhmamgmR>r AmYrM gyMZm XoD Z R>odmdr cmJoc Am{U ôQ>dVw gwm EH {Xdg AJmoXaM AmUyZ R>odm`mcmJVrc. OoUoH Z eodQ>`m jUr KmBhmoUma Zmhr.eVZw- IamoIa VwPo Am^ma AmhoV. AmVm _r ImrnydH hm H m`H_ nma nmSy> eH Vmo.{Z{Ic -EH Jmo> Zoh_r cjmV R>od, Oohm Ho hm Vwcm _hdmMr O~m~Xmar nmS>m`Mr Agoc Va `mgmR>r Vwcm

AJmoXaM `moOZm ~Zdm`cm hdr.A`mgeVZwZo Amn`m nmQ>ugmR>r `moOZm H er ~Z{dcr `mMo {Z[ajU H am. Oa `mZonmQ>ugmR>r cmJUmar aH _ Or H s`mZo O_{dcocr hmoVr Kmo{fV Hocr ZgVr Va _J H m`H _gmR>r `moOZm ~Z{dUo H R>rU JocoAgVo . Oa {Z{IcZoho gd Am{YM eVZwcm {dMmacoZgVo Va eVZwZo EImX doiog A{Ve` _hmJm`m oQ>dVw{dH V KoV`m Ag`mAm{U _J AnmonhmamgmR>r ngodmMcoM ZgVo. AOyZ EH Jmo> Z_yX H a`mgmaIr Amho, Vr hUOo {Z{IcZo`mcm AmYrM `moOZm ~ZdyZ R>od`mg gm{JVco. `m_wio Vmo MyH mZm Q>miyeHo c Am{U eodQ>`m jUr KmBhmoUma Zmhr. Vwhr gwm Vw_`m nem`m ~m~VrV `moOZm ~Zdy eH Vm. `mH mao {Z{IcZo eVZwcm nmQ>uMr `moOZm~Z{d`mg _XV Ho cr. \ V EH cjmV R>odm H s, nwOrMr OmVrV OmV JwVdUwH sVyZ H Z KoVmZm Vr JwVdUwH

AmnU H moR>o H aVmo AmhmoV `m~m~VrV H miOr KoUo Amd`H Amho. Am{WH {Z`moOZmV {d{dY ncwMm {dMmaH amdm cmJVmo. OgoH s c` {ZYmarV H aUo, gnmrMo {d^mJrH aU, nwOrMo~YZ B`mXr. Oo H s JwVdUwH Xmamcm`m`m nemg {eV~ar`m hmVmi`mg _XV H aVmV. eVZw Am{U {Z{Ic `mMm gdmX Am{WH {Z`moOZmMmXya>rH moZ H gm AgVmo hog_O`mg Vwhmcm _XV H aoc.HVr - 1 - Vw_`m _{h`mMm AWgH n ~Zdm d mV Vw_`m nmHoQ>_Zr, _m{gH IM, Am{U _{h`mMr ~MVZ_wX H am. V whr CXmhaU nmh eH Vm, `mV eVZwZo dV`m {_m`m dmT>{XdgmgmR>r `moOZm H er ~Z{dcr.`mMm AmYma KoD Z Vw_`m _{h`mMm AWgH n ~Zdm. Vwhr Imcr {Xco`m V`mVrc Jmo>t`m AmYmaoVw_`m AWgH nmMr `mXr V`ma H eH Vm.

Vw_Mm _{h`mMm AWgH n

A) CnnmHo Q> _Zr

Am{eH Vdmda H m

~{jg

_mZYZ

amoI ôQ>, Oa {_imcr Agoc Va

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_hm{dmc`mMo ewH

nmQ>u

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dmg IM

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7/407

H ) {eH (A-~)Oa Vw_Mo Cn ho IMmnojm OmV Agoc Va _J, Vwhr Vw_Mm ngm `mo H maogm miVm AmhmV. Oa Vw_Mr{eH hr CUo d nmMr Agoc Va _J, Vwhmcm Vw_`m Am{WH ~m~tMo{Z`moOZ cmJcrM H a`mg ma ^H amdm cmJoc.

Vwhmcm _m{hVr AmhoH m?Vw_Mr ~MV hr Vw_`m Cnm`m 20% Agm`cm hdr.

d`pVH AWgH n Xa`mZ`m H mimV eVZwZo {dmnrR> VamdVrc Am{WH jomVrc Amnco {ejU nyU Hoco . Am{WH{Z`moOZmMo_hd {eH `mZVa AmVm eVZw Amn`m Am{WH `dhmamMo~YZ mo`H mao H BpN>Vmo. OoUoH ZVmodV`m H OmMr naV\o S> Am{U Amn`m ^{d`mVrc JaOmZm nyU H a`mgmR>r ânya ngm R>oD eHoc. eVZw{Z{IcH S>o `mMm gm Ko`mgmR>r Jocm.

eVZw- hcmo {Z{Ic. `m doiog _mPm CnH _ gdm}H> Agmd`mg hdm. VwPm Xya>rH moZ \ maM _mocmMm Amho.

_r Vwcm {dMm BpN>Vmo H s, _m`m Am{WH `dhmamMr `moOZm H emH mao ~Zdmdr.

{Z{Ic -gdW_, dVMo _m{gH AWgH n ~Z{d`mMr VydVcm gd` cmd.

eVZw- ho _r H go H m` H eH Vmo ?

{Z{Ic -_m{gH AWgH n hUOo Vw`m Cn, _m{gH IM, ^{d`mVrc IM Am{U {eH am{hcocoCn`m{df`rMr {dVV `moOZm. (nhm ~ao, Ogo Vy n{hconmQ>ugmR>r AWgH n `moOZm ~Z{dcr hmoVr Am{U `mV AmVmZdrZ Jmo>tMr ~oarO H a Am{U ~Xc H a. `m_wio H s {Z{Ic`m _mJXeZmZwgma eVZwMr AWgH nr` `moOZmV`ma hmoBc.)

{Z{Ic -gd W_ AmnU VwPo Cn gdmV daVr {ch. Oa Vy g`m H mhr H _dV Zgerc Va _J Vwcm òH

_{h`mcm mV hmoUmao ^Vo `mVyZ VwPoIM ^mJVmV Vo nmHoQ>_Zr hUyZ {ch. Aem dVwMr `mXr ~Zd `mdaVwcm IMH am`cm AmdS>Vo . dVw{Zhm` òH _{h`mV Pmco`m IMmMr `mXr ~Zd. `m{edm`, _{h`m_YohmoUm`m AZmd`H IMmMr mXr ~Zd. Oa {d`mV VwPr EImXr gnmr {dH V Ko mMr qH dm {dH `mMr moOZmAgoc Va `mMr XoIrc Zm|X R>od. gJ`mV _hdmMo H m` Amho H s, `m gdJmo>tMr Zm|X Vy gm mim`cm hdrAm{U òH {XdgmMr Vnercdma Zm|X {chm`cm hdr. m ~m~VrV òH mZoM A{Ve` _m{UH AgUo Amd`HAmho. Amnco {ZpMV Cn Kmo{fV H aUo JaOoMo AmhoAm{U hmoUmao IM. H maU `mdaM Vw_`m ^{d`H mcrZ`moOZm Adc~yZ amhVrc.

eVZw- _cm AmmmM Ago dmQ>Vo Amho H s _r ho gd H eHo Z. BVHo M Amho Zm?

{Z{Ic -gncoZmhr! _r AOyZ H mhr Jmo>tZm neH BpN>Vmo. `m H s, _r Vw`m narjonydu Vwcm gm{JV`mhmo`m. Vwcm VwPr gnmr d XoUr _m{hVr Agm`cm hdrV. gnmr hUOoAgm moV Omo H s, VwPm dVMm AgVmoAm{U amoI d nmV A{Ve` ghOar`m `mMo nmVa H aVm oUo e` AgVo . YZ{nedr~m~V AmR>d `m~c_r Vw`mer n{hco ~moccmo hmoVmo. YZ{nedr hr VwPr gnmr Amho. hUOoM VwPo_m{gH Cn Am{U Or H sA{Ve` ghOar`m amoI d nmV nmVarV H aVm òVo. gnmr hUOo Ago moV, `mMm Cn`moJ H Z VyVwPrH O\o Sy> eH Vmo. Va XoUr hUOo, ngo naV H a`mMo~YZ. VwPr _{h`mMr {~c Am{U A` IMhr gd VwPrXoUrM Va AmhoV. Or H s, VyVwPr gnmr dmn Z XoD eH Vmog. Zoh_r dV`m AWgH nr` `moOZoMod n~Z{dVmZm Cn ho gnmr`m KamV {chmdo Am{U gd IM hr XoUr `m {d^mJmV {chmdr.

Am{WH {Z`moOZmMo_hd.

eVZw- Am{WH {Z`moOZ m {df`mda _cm EH CnH _ Xo`mV Amcm Amho Am{U _cm `mV H mhr AS>MUtMmgm_Zm H amdm cmJVmoAmho . H m` `m AS>MUr gmoS>{d`mg Vy _cm _XV H aerc.

{Z{Ic -{ZpMVM. _cm VyVw`m AS>MUr gmJ.

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8/408

eVZw- _m`m CnH _mV ghm nm``m AmhoV. n{h`m nmàrV, Amhmcm Am{WH {Z`moOZmMr VmdZm md`mMrAmho. H m` Vy _cm gmJw eH Vmog Am{WH {Z`moOZ hUOoH m`?

{Z{Ic - Am{WH {Z`moOZ hUOo dV`m Am{WH `dhmam`m~m~VrV `moOZm ~Z{dUo. `m_wio Vw_`mAm{WH JaOm Am{U C{>oAmoiI`mg _XV hmoVo d `m`m AZwfJmZoAmn`m Amd`H Vm nyU H a`mgmR>rJwVdUwH H aUogmo`rMohmoVo. Mc _r Vwcm XmIdVmo H s Am{WH {Z`moOZ H go hmoVoAm{U `m {H oV {d{dY VaH go AgVmV.

Am{WH {Z`moOZ {H oVrc {d{dY nm``m.

Imcr {Xcocm V m/`mXr nhm `mV {Z{IcZoeVZwgmR>r Am{WH {Z`moOZ {H m gwcârVrZo g_Omd`mg _XVHocr Amho .

Am{WH {Z`moOZ {H oVrc nmM _hdm`m nm``m y Vw_`m Am{WH pWVrMr _m{hVr O_dm - Ogo H s Vw_MoCn, H O, XoUr B`mXr.y Vw_Mo c` AmoiIm.y Vw_Mr Am{WH {dH cmJVm qH dm _wo AmoiIm. Vwhr g`m Am{WH ~m~VrV HwR>`m Vamda AmhmV d

Vwhmcm H moR>o amhm`MoAmho .y Vw_Mo Am{WH {Z`moOZ V`ma H am. - `m_wio gyM{dco`m JwVdUwH s Vwhmcm g_OyZ òVrc. {edm` Amncr

OmoIr_ Ko`mMr _mZ{gH Vm XoIrc cjmV òBc.y Am{WH {Z`moOZ A_cmV AmUm. Vw_`m `moOZoMo nyZdcmoH Z d \oanS>VmiUr H am. OoUo H Z ~XcV

OmUm`m AW`dWoV d amhUr_mZmer `mMr `mo` gmJS> KmcVm òBc.

nmàr 1 - Vw_`m Am{WH pWVrMr _m{hVr O_dm.{Z{Ic - Am{WH {Z`moOZmV `m _hdm`m nmM nm``mMm g_mdoe Amho. n{h`m nmàrV Vwhmcm Vw_`m{d{dY CnZmMo moV emoYyZ `mMr `mXr ~Z{dUo. Oa Vwhr dVar`m H _dV Agmc Va, _J Vw_`m _m{gHCnmMm moV hUOo Vw_Mm nJma Am{U Oa H m Vwhr Am{eH Vdmda EImXm `dgm` H aV Agmc, _JVw_`m `dgm`mVyZ mV hmoUmam ngm Vw_`m CnmV {_idmdm cmJoc. oH `{ Zwgma CnmMo moV ~XcVOmUma. Vw`mgmR>r, hm moV hUOoVwcm {_iUmam nm HoQ> _Zr, H _mdUm`m `{ gmR>r hm moV hUOo `mMmnJma, VgoM {Zdm cmoH mgmR>r `mMr n|eZ qH dm {Zdmr moOZm. EH Xm H m Vwcm H icoH s, òH _{h`mcm Vwcm{H Vr ngo mV hmoVmhoV, _J Vwcm cmJcrM H ioc H s Vy {H Vr IM H eH Vmog Am{U {H Vr JwVdyeH Vmog.hUOoM Xwg`m eXmV, Omo n`V Vwcm Vw`m {IemV {H Vr ngoAmhoV ho_m{hVr AgUma Zmhr, Vmo n`V VyIaoXrgmR>r ~mhoa OmD eH Uma Zmhrg.

[email protected]


9/409

eVZw -Amncr Am{WH ~mOw gm î`mMo H m _hd Amho?

{Z{Ic -Oa VyVyPr Am{WH ~mOw `dpWV gm miy eH cm, Va _J Vy nemMm OmV `dpWVar`mCn`moJ H eH erc. Oa VyAgo Zmhr Ho cog, Va _J Vw`m JaOm ^mJUma ZmhrV. Agog_O H s AmO_{h`mMr n{hcr VmarI Amho. Vwcm VwPm nJma {_imcm AmhoAm{U Vygd Vw`mOdirc a _ H nS>o Am{U

A` Jmo>t_ o IM Ho crg, Va _J AmVm Vw`m Odi _{h`mMr {~cAm{U _{h`mâmV mdr cmJUmarA` XoUr `mgmR>r ngm dmMUmaM Zmhr. `m_wio~MVrMo V {eH Uo Amd`H Amho. A`Wm Vwhr Vw_`mJaOm MmJcm nJma {_iV Agcm Var nyUH eH Uma Zmhr.

eVZw -_cm IamoIa ho `mZmV R>odm`cmM hdo.

`mZVaMr nmàr Hw R>cr Amho?

nmàr 2 - Vw_Mr Am{WH cò AmoiIm.

eVZw - Ago hUVmV H s, EImm `{ Zo `mMo JwVdUwH Co` Am{WH {Z`moOZ gw H a`mnyduMAmoiImd`mg hdo. ho Iao AmhoH m?

{Z{Ic -Hw R>cohr Am{WH {Z`moOZ gw H a`mnydu JwVdUwH Co` n> H aUoA{Ve` _hdmMo Amho. Vw_Moc`M Vwhmcm Vw_Mo nemMo ~YZ H goH am`Mo ho gmJoc. m_wioOohm Vwhmcm c`nyU H am`Mo am{hc VaOdi ânya ngm am{hc. `m H aVm Vwhmcm ho H ioc H s, Oa Vw_`m ^{d`mVrc `moOZmMr nyVVm H am`MrAgoc Va AmOnmgyZM Vwhmcm {H Vr ~MV H amdr cmJoc Am{U Vw_`m JwVdUwH sda {H Vr naVmdm mVhmoBc. OoUo H Z Vw_Mr ^{d`H mcrZ JaO nyUdmg OmBc.

Vw_Mr c o AnmdYrMr, _`_ AdYrMr qH dm XrKmdYrMr AgweH VmV. Vw_Mo AnmdYrMo c` hUOo

AmnU hUw m H s, EH m dfmZVa Vwhmcm ~YZ jomV mdr` mV H am`MoAmho qH dm EH XwMmH s {dH V`m`Mr Amho B`mXr. AnmdYrMr c o hUOo Or Vwhmcm VrZ dfmV mV H amd`mMr AmhoV. _`_AdYrMr hUOoVw_`m {ddmhmMm IM, qH dm Vw_`m AmB -d{S>cmgmR>r g\ arMr `moOZm B`mXr. hr c`hUOo Aer AmhoV H s Or Vwhmcm nmM dfm`m H mimV nyU H am`Mr AmhoV. Vw_Mo XrKmdYrMo c` hUOoEH ZdrZ Ka KoUo d mgmR>r Vwhmcm nmMdfmnojm OmV H mcmdYr cmJUma. m oH c`mgmR>r Vwhr EHVmarI {ZpMV H eH Vm d `mgmR>r cmJUmar a _ Vohm {H Vr am{hc hoJ{hV Y eH Vm.

nmàr 3 - Am{WH _woqH dm {dH cmJVm AmoiIUo.

{Z{Ic -`m nmàrV, Vwhmcm ho nmhm`cm hdo H s, Vwhmcm H mhr H OmMr naV\o S> H am`Mr Amho H m?H mhtZm OrdZ{d`mMo _m{gH hVo, godm {Zdmr `moOZoMo hVo qH dm Kam`m H OmMo hVo `mMr XoUr AgweH VmV. dVMr XoUr gw{ZpMV H aUo ho A V Amd`H Amho. `m_wio Vwhr OmVrMm IMH aUma ZmhrV

Am{U _m{gH hVo doioda Z âUm`m`m `mXrV oUma Zmhr. Vwhmcm Vw_`m _{h`mMm IM_m{hVr hdm.hUOoM ImnXmW, H nS>o, nmUr, drO Am{U A` dVwda {H Vr IMhmoVmo Amho . `mZwgma Vwhr {VVH sa _ hr gd XoUr â`mgmR>r ~mOwcm H mTy>Z R>odyeH mc.

eVZw -hUOo Ho di CnmMo moV _hdmMo ZgyZ Amn`mcm Amncr XoUr gwm _m{hVr AgUo{VVHo M_hdmMoAmho. ~amo~a?

{Z{Ic- {ZpMVM. _r `mcm AOyZ gmono H aVmo. Aer H nZm H a H s Vw`mOdi YZ{nedr Amho Am{U_{h`m`m EH VmaIocm Vwcm nJma {_iVmo d {nedr a`m OmVo. AmVm hr YZ{nedr Vw`mgmR>r gnmr PmcrAm{U _{h`mMo IMOgo H s, Im nXmWmMo {~c, H OmMo hVo, B`mXr. hr gdVwPr XoUr PmcrV. Omo ngmVw`m YZ{nedrV Amcm Vo Cn Am{U Omo ngm {d{dY H ma`m godm Ko`mgmR>r Jocm VmoIM . Og Ogo VwPod` dmT>oc Vg Ver Vw`m Xo`mMr `mXr XoIrc dmT>oc. _J Vwcm Vw`m nZrcm, _wcmZm AmYma mdm cmJoc.

nmàr 4 - Am{WH {Z`moOZmMr V`mar.

{Z{Ic -EImm `{ Zo `mMo Am{WH {Z`moOZ ho {d{dY KQ>H mda AmYm[aV Ago ~ZdmdoOgo H s, `mMoCn, OmoIr_ Ko`mMr j_Vm, d` Am{U JwVdUwH Co`.

[email protected]


10/4010

eVZw- hUOo `mMm AWAgm H s, _m`mgmR>r d Vw`mgmR>r Am{WH {Z`moOZ doJio am{hc?

{Z{Ic - hmo. ho Ago amh`mMo H maU hoM AmhoH s, XmoZ `q Mo Cn gmaIo am{hcM Ago Zmhr Am{U`m`m d`{ H JaOmgwm doJ`m amhUma. Am{WH gmJmamcm `m gdJmo>tMr Zm|X KoUo Am{U `m`mZwgmaJwVdUwH XmamZm JwVdUwH sMo {dH n gyM{dUoAmd`H AgVo. Oa mZo gd JwVdUwH XmamZm EH gmaIoM g_OcoVa _J JwVdUwH Xma `m`m Am{WH JaOm qH dm C{>onyU H eH Uma ZmhrV. `m_wioAm{WH {Z`moOZmMo _yi

Co`M gm` hmoUma Zmhr. Oa Vy_m`mH S>o dV`m Am{WH ~m~tMo ~ YZ H a`mg Amcm Va _cm gdW_VwPoCn hUOoM VwPm nmHoQ>_Zr nhmdm cmJoc, VwPo Cn hoH _mdUm`m `{ `m VwcZoV A{Ve` H _rAg`mH maUmZo_cm Vw`mgmR>r doJ`m JwVdUwH {dH nmMm gm mdm cmJoc. Vwcm hog_OUo JaOoMo am{hcH s BVam`m VwcZoV Vw`m JwVdUwH sMoCo` doJio Agoc d Vo Vw`m Am{WH H Vrg gmOogo am{hc. ho nwH iJwVdUwH XmamZm g_OV Zmhr. nwH i cmoH OmV Z`m`m Ameoda amhZ Aem \ S>m_Yo JwVdUwH H aVmV Oo H sOmV Z\ m Xo`mMo Omhra H aVmV. naVw`mMm XOm Imc`m VamMm AgVmo. EImm `{ g `mVyZ Z\ m hmoBcXoIrc ZmhrVa `mcm gnyUngo J_md`mMr doi XoIrc òVo. òH `{ Mr OmoIr_ Ko mMr j_Vm Am{U JaOm`mMm {dMma n{hcoH ZM `mcm `mo` {dH nm_ò JwVdUwH H amd`mg hdr.

eVZw- H m` Vy_cm OmoIr_ j_Vo~m~V H nm H Z gmJerc H m?

{Z{Ic -MmJcm Z Amho . OmoIr_ j_Vm hUOo EImm JwVdUwH XmamMr OmoIr_ Ko`mMr VmH V. hr j_Vm

`{ nado{^ amhVo . Oa _r EImXm lr_V `{ AmhoAm{U _mPo _{h`mMo Cn ho H mhr cmIm`m KamVAmho, Va _J _m`mgmR>r H mhr hOmamMo ZwH gmZ \ ma H mhr qMVoMr-~m~ amhUma Zmhr. H maU _r OmV Z\ m {_idyeH Vmo. Oo cmoH lr_V AmhoV qH dm `m`mnmer nwH i nwOr Amho AgocmoH BVam`m VwcZoV OmV ^mdrnUoJwVdUyH H aVmV. naVw Oa _r gm_m` VamMm H m_Jma Amho, Va _J _cm Aem d nmMoZwH gmZ ghZ hmoUmaZmhr. lr_V hUyZ _r ZwH gmZ ghZ H eH Vmo qH dm _r OmV OmoIr_ KoD eH Vmo. nU _`_dJu` H m_JmahUyZ _r OmV OmoIr_ nocy eH V Zmhr. H mhr e amMo ZwH gmZM EImX doiog _cm nadSy> eHo c. Oa _r{Zdm `{ Agoc, Va _J _mPr OmoIr_ Ko`mMr j_Vm doJir am{hc. H maU H s _cm _o{S>H c {~c, Amamo`JaOm B`mXtgmR>r VgoM d{ H JaOm ^mJ{d`mgmR>r {Z`{_V CnmMm AmYma cmJoc. hUOo _r OmoIr_nH a`mMr BN>m ~miJUma Zmhr. OmoIr_ j_Vm `q Mo dJuH aU H aVo. H _r H Sy>Z A{YH VoH S>o. {Zdm`q Mr OmoIr_ j_Vm H _r am{hc. Va `dgm` H aUm`mMr OmV. naVw _`_dJu` H m_JmamMr OmoIr_ j_Vmgwm _`_ d nmMrM amhUma. {d{dY H maMo JwVdUwH {dH n CncY AmhoV.OgoH s eoAa, F Un, Amd{VR>od `moOZm, Ym` `mnma, naH s` McZ B`mXr. `m gdmZm gnmr {d^mJ hQ>co OmVo. Vwhr `mnH s Hw R>`mhrgnmr H mamV JwVdUwH H eH Vm. \ Vwhmcm `mMo gImoc kmZ hdo. VgoM `mVrc òH H mamV OmoIr_d naVmdm mMog_rH aU doJio AgVo ho g_OUo JaOoMo Amho. Vw_Mr OmoIr_ j_Vm AmoiIyZM Vwhr JwVdUwHH am`cm hdr.

nmàr 5 - Vw_Mo Am{WH {Z`moOZ A_cmV AmUUo.

{Z{Ic -VwPo Am{WH {Z`moOZ V`ma Ho `mZVa `mMonyZdcmoH Z d \oa nS>VmiUr H aUo Amd`H Amho. OoUoH Z AW`dWoer d ~XcV OmUm`m amhUr_mZmer gmJS> KmcUogm` hmoVo .

eVZw- H m` `mcmM gnmr ~YZ hUmdo H m?

{Z{Ic -hmo`. {d{dY H mamV Ho`m Joco`m JwVdUwH s`m EH {V d nmg gnmrJQ> hUVmV. Oa Vw`mnmer` 1000 AmhoV Am{U `mVrc 50% Vyeo Aa_Yo Am{U Cd[aV a _ F Uamo`m_Yo JwV{dcrg. Va Vw`m gnyUJwVdUwH sg gnmrJQ> hUy `m d `mMr g`mMr qH _V ` 1000 Amho. hr qH _V ~mOmamVrc MT>-CVmamZwgmaH _r qH dm OmV hmoBc. `m_wio Vw`mOdi Agco`m amo`m`m {H _VrV ~Xcmd òBc. g`m`m {Xdgm_òJwVdUwH Xma {d{dY H ma`m gnmrJQ> ~YZ godm nwa{dUm`mMr _XV `m`m JwVdUwH sMo ~YZ H a`mgKoVmV. òH gnmr H ma hm OmoIr_ d naVmdm `m Vamda {^ AgVmo.

Am{WH {Z`moOZm_ò òH nmàrcm gmaIoM _hd Amho. nwH igoJwVdUwH Xma `mMoCn, OmoIr_ j_VmB`mXr AmoiIyZ JwVdUwH H aVmV. naVw `m`m JwVdUwH sH S>o cj XoD eH V ZmhrV. Oa Vwhr doimodoirJwVdUwH sH S>o cj {XcoZmhr Va _J `mVyZ \ m`Xm Oar mV hmoV Agoc Va `mMoeodQ>r n`dgZ ZwH gmZrV hmoVo.`m_wioEH m {ZpMV H mcmdYrZVa Amn`m gnmrJQ>mMo nyZdcmoH Z H aUo Am{U n[apWVrZwgma `mV Amd`H~Xc H aUo JaOoMo AgVo. Oa eoAa _Yrc JwVdUwH sZo eodQ>`m {_mhr gmV MmJcr JVr Hocr Zgoc Am{UVw_`m gnmrJQ>m_Yo70% JwVdUwH hr Aem Hn`m`m eo Aa_òAmho. Va _J Vwhr `m eoAgcm Amn`mHnZr JQ>mV nwT>o WmZ XoD eH V Zmhr. Vwhmcm Vw_Mr `mVrc JwVdUwH A` gnmrH mamV H amdr cmJUma OgoH s ~mS> B`mXr. Oo H s H _r OmoI_rMoAgyZ ~mOma gmdaV n`V gwa{jV R>aVrc.

[email protected]


11/4011

4. Vwhr Vw_`m c`mZm H go m H amc ?

{Z{Ic -AmVm Vwcm Am{WH {Z`moOZmMo {d{dY ncw H icoAmhoV. Va Mc, AmVm nU Vw`m H mhr c`mMm{dMma H Am{U Vy Vr H emH mao m H aerc Vo nmh. _cm gmJ VwPr ^{d`m_Yrc H moUVr cò AmhoV ?eVZw - {ZpMVM. _cm _m`m {ejUmgmR>r gdW_ ngoO_dm`Mo AmhoV Am{U ZVa EH XwMmH s {dH V`md`mMr Amho.{Z{Ic -gdW_, Vy VwPr c o {chmd`mg hdr d VgoM Vwcm Vr H Yr n`V m H am`Mr AmhoV Vo nU {chr.OoUoH Z Vy `mMr `mo`H mao{d^mJUr H eH erc.

Vwm Am{WH ~mOyMo~YZ H aVmZm gdmV hdmMr n{hcr nmar hUOo {dXVmnyU Am[WH C[>o {ZpMV

H aUo. VwMr co Zohr {ZpMV, mnZH amOmoJr dmV{dH Am{U doi{Zhm hdrV. nwH i cmoH ghgm cgw{ZpMV H aVmZm m Jmo>tm ~m~VrV MwH m H aVmV.

C{>o c Amo YmoaU mo YmoaU

{d{e> Vwhmcm ho m{hVr hdoH sVwhm H m hdo AmhoAm{UHo hm.

cm H mcoOMr sâmgmR>r df amVnemMr JaO Amho.

r 50 hOma`H mcoOMr s âmgmR>r ~MVH arZ.

mnZ H amOmoJo VwMoc Zohr mnZH aVm mcm hdo.OoUoH Z Vwhmcm m{hVrhmoBc H s, VoVwhr Ho hmmV H eH mc.

r mm {mH SyZ KoV-cocoH O o {S>Z.

nwT>m 6 {hmV r 3hOma . mm 2 {mZmnaV H arZ.

mVH amOmoJo VwMr c AmdmmVrcAgmdmg hdr. hUOoMVwhr mZm mV H eH co nm{hOoV.

r ng ~MV H arZ. r oH {hmcmImmdarc d nmQ>umnemV H nmV H Z 2 hOma`dmM{dZ.

dmV{dH VwMr c Zohr CncYggmYZmda VgoM ZmdaAmYmarV AgmdrV. OoUoH Z Vwhr Vr ghO mVH eH mc.

Oa r ngo dmM{dcoVa rlrV hmoBc.

Oa r {ZrV ng ~MVHo co d H OmD KoVco Zmhr.Va nwT>m dfunV mPrgd H OgnVrc. Am{Ur H {dV nV mmOdi nwH i ngm Ooc.

doioer ~m{Yc c Zohr doioer ~mYrchdo. OoUo H Z Vwhr dVMm JVrMm AmcoI nmheH mc d CgmhmZocmVrgmR>r Z H amc.

r mm JmS>r gmR>r ngodmM{dZ. r oH dfmV`

10hOmammUo nwT>Mr 2 dfJmS>rgmR>r ngo dmM{dZ.

[email protected]


12/4012

5. OmoIr_ {d naVmdo

òH `{ Mr OmoIr_ Ko`mMr EH j_Vm AgVo. Vw_`m OmoIr_-naVmdo `m`m ~m~VrVrc {ZU mdaMOmoIr_H S>o Xwcj H eH `mMr j_Vm R>aV AgVo. Oa Vwhr EImm ZwH `mM gw hmoUm`m H nZrV A{VeÒmoIr_ KoD Z JwVdUwH H aV Agmc, Va Vw_Mr OmoIr_ Ko`mMr j_Vm OmV Amho. VrZ H maMo OmoI_rZwgma

naVmdom H a`mMo d^md AgVmV, Vw_`mOdi CncY \ S> Am{U Vwhr H moU`m H maMr JwVdUwH {ZdS>Vm`mda hogd Adc~yZ AgVmV. Vo Ago.1. gmdYnUm hUOo `mV Vw_Mr nwOr gwa{jV am{hc `mMr OmVrV OmV H miOr KoD Z Vwhr A{Ve` H _r

OmoIr_ Agco`m {R>H mUr JwVdUwH H aVm. Ogo H s S>mH {d^mJmVrc `moOZm, ~Ho Vrc gmdYr `moOZm,emgH s` amoIoB`mXr.

2. _`_ dnmMr OmoIr_ hUOoVwhr WmoS>r OmoIr_ Ko`mMr BN>m R>odVm d _J `w`wAc \S> B`mXr`moOZm_Yo JwVdUwH H aVm.

3. CgmhnyUOmoIr_ hUOo Vwhr A{Ve` OmV OmoIr_ nH Z eoAa, dm`Xm ~mOma AWdm OmVrV OmVnaVmdom hmoUm`m {R>H mUr JwVdUwH H aVm.

JwVdUwH sMo EH _wI Vd AmhoH s, Vwhmcm m hmoUmao naVmdo Zoh_r Vw_`m OmoI_r`m Vamda Adc~yZ

AgVmV. Oa Vwhr EImm OmV OmoI_r`m {R>H mUr JwVdUwH H Z R>odcr, Va _J Vwhmcm Vw_`m OmoI_rMo~YZ H a`mgmR>r Amd`H nmdco CMcmdr cmJVmV. EH Xm H m Vwhr HwR>`mhr H ma`m gnmrV JwVdUwHHocr H s _J Vwhmcm `m JwVdUwH sda gVV cj R>odmdo cmJVoM {edm` ~mOmamV KS>Um`m {d{dY KQ>Zmda gwmZOa R>odmdr cmJVo. OoUoH Z AMmZH Hw R>`m dmBQ> n[apWVrMm n[aUm_ JwVdUwH sda Z hmdm. Oohm naVmdoIyn OmV Xe{dcocoAgVmV Vohm Zoh_r `m`m _mJMr OmoIr_ {H Vr OmV Amho. ho nS>VmiyZ nmhmdo.

V m 1 - eVZwMr c o d` - 21 df

cò c`mMo H ma Zmd c` {XZmH a _ (cmImV)

{ejU AnmdYr dVMo 2011 05.00

XwMmH s dmhZ _`_ AdYr dVMo 2014 00.50

g\ a _`_ AdYr nmcH mgmR>rMo 2016 1.00{ddmh XrKmdYr dVMo 2018 10.00

Ka XrKmdYr dVMo 2020 70.00

EH Xm H m Vwhr ho Hoco , H s _J `mZwgma Vw_`m JwVdUwH H am`cm gwdmV H am.

c` c`mMm H ma c` {XZmH Amd`H HVr

{ejU AnmdYrMo 2012 {ejU ewH mgmR>r H mhr ngonmcH mH Sy>Z d H mhrH O KoD Z Cô H am.

XwMmH s dmhZ _`_ AdYrMo 2015 2013 n`V Aer Amem AmhoH s Vy H _{d`mg

gwdmV H aerc. _J òH dfu` 10 hOmadmMd. VrZ dfmV dmhZ Ko`m cm`H a _ V`mahmoBc.

g\ a _`_ AdYrMo 2018 c` {dMmamV R>odyZ eoAa qH dm `wMwAc \ S> `mVJwVdUwH H Z MmJco naVmdo m H a. naVw`mgmR>rnwH i AmYrM `moOZm ~Z{dUo JaOoMoAmho .

{ddmh XrKmdYrMo 2020 eoAa, F U~Y Am{U `wMwAc \S> mV JwVdUwHH Z VwPoIM nyU H a`mg a _ C^r hmoBc.

Ka XrKmdYrMo 2022 VygmdYr `moOZoV JwVdUwH H a. `m_wio Vwcm _moR>ra _ V`ma H a`mg _XV hmoBc.

[email protected]


13/4013

Oohm JwVdUwH H amd`mMr AgVo, Vohm doi gdmV _moR>r ^y{_H m {Z^dVmo. Vw_MonaVmdo Zoh_rM Vwhr HwR>`m

doicm JwVdcod H Yr ~mhoa nS>coV. `mda Adc~yZ AgVmV. MH dmT>Vm hr Aer gH nZm H s, OrMm Oa Vwhr`dpWV nmR>nwamdm Ho cm Va Iyn OmV \ m`Xm m H Z XoVo. Vw_Mr ~MV Oa Iyn XrKH mcmdYrgmR>r MH dmT>nVrV Agoc Va `mMo naVmdoIynM MmJco AgVmV. WmoS>`mV `m H mamV `mOmda `mO m hmoVo. AmnUho CXmhaUmZoM g_OyZ KoD .

Oa g_Om Vwhr,` 5000, d`m`m 25 `m dfmnmgyZ òH _{h`mcm ~mOwcm H mTy>Z R>odcod `mda10% `mO XamZonaVmdm Vwhmcm {_imcm. Va d`m`m 60 `m dfmn`V Vw_Mr nwOr OdiOdi` 1 H moQ>r`mKamV qH dm `mhrnojm OmV OmBc. hoM Oa H m Vwhr d`m`m 40 `m dfu gw Ho co BVHo M ngo d hmM `mOXa, Va _J Vw_`m {Zdmr n`V hr a _ \ ` 33 cmI hmoUma.AgoJ{hV Yam H s ` 100 Vwhr 5 dfmgmR>r JwV{dco.

df a _

(10% {ZpMV `mO Xa)

A{ZpMV `mO Xa a _

1 110 10% 110

2 121 9% 119.9

3 133.1 12% 133.50

4 146.41 10% 146.8508

5 161.05 9% 160.06

òWoho cjmV Ko`mgmaIoAmho H s, Oo ` 100 Vwhr nmM dfmgmR>r {ZpMV `mO Xamda JwV{dco`mMo Vwhmcm` 161.05 m hmoUma Am{U hrM a _ Odinmg Vwhmcm A{ZpMV `mO Xam_Yo XoIrc {_iV Amho. hUOoM5 dfm_Yo Vw_`m aH _oda 60% naVmdo m H a`mMr gYr Vwhmcm {_iVo Amho.

hUyZM MHdmT> ho Ago EH _m`_ Amho H s, `mV Vw_Mr JwVdUwH EH m XrKH mcmdYrV A{VeÀmM`H maH ar`m dmT>Vo. hUyZM {OVH m doi OmV {VVH m OmV ngm Vwhr ~Z{dUma Am{U hUyZM òWoAm{WH {Z`moOZ A`V Amd`H R>aVo.

Amd{VR>od moOZm qH dm nVera JwVdUwH `moOZm (SIP) m Vwhmcm mgmR>r Cn`moJr R> eH VmV. `mVVwhr MoH ZoAWdm gai Im`mVyZ ngo JwVdUwH `moOZoV Q>mHy eH Vm d Amncr MH dmT> `moOZm `dpWVar`mH m`mpdV R>ody eH Vm.

[email protected]


14/4014

_hmJmBhUOo dVw`m {H _Vr Am{U godm_YodmT> hmoUo . Oer qH _V dmT>Vo VgoH _r cm oH dVwMr IaoXr H

eH VmV. AmnU Ago hUy m H s, noQ>moc`m {H _Vr` 40 dZ` 45 da Jo`mV d noQ>mocMm XOm VmoM. Aemdoir {H _Vr_Ycm \ aH AmnUmg _hmJmBXe{dVmo .

Oa Vwhr Vw_`m` 5000 `m JwVdUwH sda 10% `mO XamZodfm`m eodQ>r ` 500 naVmdm m H aV AgmcAm{U _hmJmB Xa Oa 11% Agoc, Va _J Vwhmcm m hmoUmam naVmdm XoIrc mdm cmJoc H maU _hmJmB XaOmV Amho. `m_wioEH m Jm o>rMr Zoh_r Imr H Z `m H s, Vwhmcm m hmoUmao naVmdo_hmJmB Xamnojm OmVAmhoV. VgoM Vwhr nemMr doi{Zhm` qH _V gwm g_OyZ `m.

doi{Zhm` nemMr qH _V

eVZw- hmo , _cm _m{hVr Amho doioZwgma nem`m {H _Vr~m~V _cm AmR>dV H s Am_Mo JwVdUwH sMo m`mnH`m~c gmJm`MoV. `mZr Amhmcm EH CnH _ gwm {Xcm hmoVm `mmao ho g_O`mg _XV hmoBc. `mZr

Amhmcm Kam_YoOmV dmna`m OmUm`m dVw`m {H _Vr OmUyZ Ko mg gm{JVco hmoVoAm{U `m`m g`m`m{H _VtMr `mXr Am{U 5 dfmnydu Agco`m `m`m {H _VrMr `mXr ~Z{d mg gm{JVcr hmoVr. Amhmcm `mVyZho H ico H s nmM dfm`m VwcZoV `mM dVwMr g`mMr qH _V IynM OmV Amho.

{Z{Ic -mMo H maU hUOo doi{Zhm` nemMr qH _V. Ogm doi {ZKyZ OmVmoVwcm OmUrd hmoBc H s, `mXwnma`m OodUmg 10 dfmnydu Vwcm \ ` 10 cmJV AgVrc. VodT>m nemV g`m`m H mimV Vwcm ^m`mMoH mhr VwH S>o {_iVrc. `mMmM AW hm H s, g`m`m hOma n`mMr qH _V hr nmM dfmZVa `m VwcZoV AmVmOmV Amho. Oa VyAmO ` 1000 JwV{dco 5% dm{fH `mO XamZo. dfm`m eodQ>r Vwcm` 1050 m hmoVrc.hUOoM AmO m Pmco`m` 1000 Mr qH _V df amZVa m hmoUm`m` 1050 `m ~amo~arMr Amho. nemMoAd_w`Z hmoV Ag`m_wionem`m {H _VrMo ajU H a`mgmR>r cmoH ngm gwa{jV {R>H mUr JwV{dVmV. AmVm _cm

AgodmQ>Vo H s, am oIo~mOmamV JwV{d`m_mJMr ^y{_H m H m` AgVo VoVwcm H icoAgoc. `mVyZ {_iUmao naVmdoho _hmJmBXamnojm OmV AgVmV. Vwcm hohr _m{hVr H Z KoUoAmd`H Amho H s H O H mT>Uo Am{U IM H aUo ho {VVHo gmono Zmhr. Oohm Vwhr H OH mT>Vm hUOoM Vr a _ naV\oS> H a`mMr O~m~Xmar Va CMcVmM {edm``mV _yi a _ naV H Z `mdarc `mO gwm naV H a`mMr O~m~Xmar AmnU CMcVmo.

H Vr-2-Vw_`m Zoh_r`m dmnamVrc dVwMr `mXr ~Zdm Am{U `m`m g`m`m {H _Vr {chm Am{U `mMr 10dfmnyduMr qH _V gwm {chm. Xmohr {H _VtMr VwcZm H am Am{U nemMr qH _V doioZwgma H er ~Xccr Vonhm.

doi {Zhm nemMr qH V

dVw qH Vr (2001-02) qH Vr (2009-10) % hmJmBdmT

gmIa (1{H cmo) 16.00 40.00 150.00%

JmoSoVoc (5{cQ>a) 290.00 500.00 72.41%gmoZo(10 J) 4474.00 17138.00 283.06%

MmXr(1 {H cmo) 7868.00 28345.00 260.26%

VmXi (1 {H cmo) 14.00 35.00 150.00%

Jh(1 {H cmo) 10.00 30.00 200.00%

noQmoc (1 {cQ>a) 33.46 48.83 45.94%

{SPoc (1 {cQ>a) 19.88 36.74 84.81%moV gmoZo Xa Ama. ~r. Am.Zwgma d A dVwm qH Vr do~ gHoVWimdZ KoVm AmhoV.

CXm. 2 Oa Vwhr 20 dfmZVa Ka {dH V KoD BpN>Vm. Va _J `mgmR>r cmJUmar nwOr V`ma H a`mgmR>r ~MV

Am{U JwVdUwH {d{dY `mOXamZwgma `oH _{h`mV {H Vr am{hc Vonmh`m.

[email protected]


15/4015

amoIo

G U amoIo

AmdVu Rod

wwAc S

AmdH nwOr/

mOXa

50,00,000 60,00,000 70,00,000 80,00,000 90,00,000 10,00,000

6% 10,973.44 13,168.12 15,362.81 17,557.50 19,752.19 21,946.87

8% 8,731.18 10,477.42 12,223.66 13,969.89 15,716.13 17,462.37

10% 6,906.20 8,287.44 9,668.69 11,049.93 12,431.17 13,812.41

12% 5,435.63 6,522.75 7,609.88 8,697.00 9,784.13 10,871.2515% 3,767.69 4,521.23 5,274.76 6,028.30 6,781.84 7,535.38

CXmhaU 2 - g_Om Vw_Mo nmcH {Zdm hmoVmhoV Am{U Vwhmcm `m`mgmR>r {Zdmr nwOr V`ma H a`mMr BN>mAmho. Va _J `m`m _{h`m`m IMmgmR>r {H Vr {Zdmr a _ O_dmdr cmJoc, Oa 7% `mOXa Amho Am{U_hmJmB Xa 5% Agoc Va ?

{hmMoIM {Zdmrg cmJUmar

df

10,000 12,000 15,000 18,000 20,000 25,000

5 5,73,081.76 6,87,698.12 8,59,622.64 10,31,547.17 11,46,163.53 14,32,704.41

10 10,94,691.47 13,13,629 16,42,037.21 19,70,444.65 21,89,382.95 27,36,728.68

15 15,69,452.16 18,83,342.59 23,54,178.24 28,25,013.89 31,38,904.32 39,23,630.4020 20,01,571.62 24,01,885.95 30,02,357.43 36,02,828.92 40,03,143.24 50,03,929.05

25 23,94,879.74 28,73,855.68 35,92,319.61 43,10,783.53 47,89,759.47 59,87,199.34

CXmhaU-3 Vw_Mr nwOr V`ma H a`mgmR>r _{h`mMr JwVdUwH cmJoc.....

`oWo J{UVr` AmH S>o_moS>rgmR>r Amhr ` 10,00,000 `m nwOrgmR>r {H Vr JwVdUwHH amdr cmJoc, ho XmI{dcocoAmho . Oa Vw_Mr JaO ` 20 cmI Agoc, Va `m aH _ogXmoZ ZoJwUm.

mO Xa / dfgm

6% 8% 10% 12% 15%

5 14,321.72 13,621.38 12,958.11 12,329.91 11,449.24

10 6,125.04 5,516.23 4,963.82 4,463.57 3,802.02

15 3,468.51 2,943.09 2,489.91 2,101.14 1,622.41

20 2,194.69 1,746.24 1,381.24 1,087.13 753.54

25 1,471.50 1,093.09 804.40 587.47 362.77

30 1,021.18 705.41 480.93 324.57 177.56

_r _mPr OmoIr_ H _r H a`mgmR>r HwR>co Cnm` H eH Vmo ?{dH| rH aU.eVZw -_cm {d{dY gnmr H mamV JwV{d`mMr H m` JaO Amho ? Oa _r \ EH mM H mamV JwV{dcoVa _cm_moR>m gnmrJQ> gm iV ~g`mMr JaO amhUma Zmhr.Vgohr \ EH gnmr H ma gm miUoOmV gmo`rMo

J{hVYam- H sVwhr `mOXaVw_`m OmoIr_j_VoZwgma KoUma

AmhmV.

[email protected]


16/4016

hmoVo. _r gnmrJQ> ~YZmMo ewH gwm dmMdy eH Vmo.{Z{Ic- hmo , nU Oohm AmnU JwVdUwH H aVmo, Vohm EH Jmo> cjmV R>odUoAmd`H AmhoH s, Oa AmnU {d{dY H mamV JwVdUwH Ho cr Va `mMm\ m`Xm Amn`mcmM hmoUma Amho. Oohm Vwhr {d{dY gnmr H mamV JwVdUwH{d^m{OV H aVm. Vohm `mVrc OmoIr_ gwm gnmrJQ>m_Yo g_Vmoc ar`m

{d^m{OV hmoVo. _r Vwcm EH CXmhaU XoVmo.({Z{IcZo{dH| rH aU AWdm {d^mOZ H go g_O{dco Vo nmh`m)

{Z{Ic -Oa Vw`mnmer JwVdUwH H a`mgmR>r ` 10,000 CncY AmhoV. Va _J Vy {d{dY gnmr H mamVJwVdUwH H eH Vmo. Vy` 3,500 eoAa (`mg H s H n`mMog_^mJ hUVmV) Am{U ` 3500 emgH sàmo`m_Yo JwVd. Cacocr a _ gmoZo qH dm MmXr `m_YoJwVd. AmVm Oa g_Om VyJwV{dco`m H nZr`m eoAaMrJVr MmJcr Zgoc qH dm `mV JwV{dco`m _yi ^mS>dcm`m ~m~VrV gnyU VmoQ>m gwm Vwcm hmo`mMr e`Vmam{hc. Var Vy A` {d{dY gnmr H mamV JwVdUwH Ho`m_wioEH m gnmr H mamV hmoUmao ZwH gmZ ho Xwg`m gnmrH mamV hmoUm`m \ m`m_wio gVw{cV hmoBc. hm {d^mOrH aUmMm \ m`Xm Amho. {d^mOrH aU hognmrJQ>mVrcOmoIr_ H _r H a`mg _XV H aVo. Oa XmoZ gnmr {d^mJ EH _oH mda Adc~yZ AgVrc, Va _J Oa EImm _YoZwH gmZ hmoV Agoc Va `mM doir Xwg`m_Yo XoIrc ZwH gmZ hmoUma d hoZwH gmZ Vo EH _oH mda {H Vr Adc~yZAmhoV. `mda R>aoc. Xmohr gnmr {d^mJ \ m`m`m AZwnmVmV AgVrc Va \ aH nS>Uma Zmhr. nU `mMmAZwnmV X{jUoH S>oOmUmam Agoc Va _J _m ZwH gmZ hmoUma hoZ s. JwVdUwH Xma {d{dY gnmr {d^mJm_YoEdT>m H aVm JwV{dVmV, OoUo H Z EH m {d^mJmV PmcocoZwH gmZ Xwg`m gnmr {d^mJmV ^Z òD Z g_VmocgmY`m OmBc. eoAa_YoJwVdUwH H aVmZm Va `m H nZr~c gImoc kmZ KoD Z {dcofU H aUoAmd`HAgVo. Oa EImm `{ g eoAa ~mOmamV ngm JwVdm`Mm AgocM, Va `mZo Vmo `w{MnH n`m_Yo JwVdmdm.`mModn `m H n`mnojm {ddmghm` AgVo `mMo `dgm` Vwhmcm ghOmghOr g_OV ZmhrV.

gnmr {d^mJrH aUòH gnmr H mamV OmoIr_ Am{U naVmdm hm AgVmo. eoAa ~mOmamV Hococr JwVdUwH hr OmoIr_nyU

AgVo. {edm` `mV _yi ^mS>dc gw gnyUnUoOmD eH Vo . mCcQ> emgH s` amo`m_YoHo cocr JwVdUwH OmoIr_a{hV AgVod Vwhr {ZXmZ Aer Anojm H eH Vm H s, emgZ `mOXa gwairVnUo XoBc. Oohm JwVdUwH {dH n{ZdS>m`Mr doi òVoVohm Vwhr dV`m d^mdmcm AZwn VgoM Vw_Mr Am{WH còOmoIr_ Am{U naVmdo`mZm cjmV KoD Z Hw R>`m {dH nmH S>o`mo` H mao nyU hmoVmhoV ho nS>VmiyZ nmhmdo . Vwhr Vw_Mr nwOr darc{dcofUm`m AmYmamda {d^m{OV H eH Vm. `mg AmnU gnmr {d^mOZ hUy. Xwg`m eXmV AmVm Vw_MoAm{WH {Z`moOZ jmV gw Pmco. gnmr {d^mOZ ho Ago V Amho `m_wio Vw_Mr nwOr {d{dY gnmr H mamVJwV{d`m OmVo. Vw_`m Cn d OmoIr_ Ko`m`m j_Vocm OoAZwn Agoc AemM `moOZm d gnmr H mamV

{d^mOZ H Z JwVdUwH H amd`mg hdr. Oa Vw_Mr OmoIr_ Ko`mMr j_Vm OmV Agoc, Va OmV OmoI_r`m{dH nmMm Vwhr {dMma H eH Vm, nU Oa OmoIr_ j_Vm H _r Agoc Va H _r OmoIr_ H mam_Yo ngoQ>mH Uo `mo` Amho. Aem {d{dY gnmr H mamV nwOrMo{d^mOZ H aVmZm hohr nmhUo Amd`H AmhoH s, m {d^mOZmVyZ`mo` \ m`Xm hmoVmoAmho AWdm Zmhr.

gnmr {d^mJrH aU

S `10,000

JwVdUwH -eoAa `3,500

amoIo~Y `3,500

gmoZo `3,000

[email protected]


17/4017

~MV hUOoAer a _ Or H s, Vwhr A{Ve` gwa{jV _m`_m_Yo Ogo H s ~H ~MV ImVo B`mXrV ~mOycm

R>odcr. Va JwVdUwH hUOoVwhr Ago Am{WH {dH n {dH V KoVm, `mV ^{d`m_Yrc EH m {ZpMV {V{Wda`mVyZ Vwhmcm naVmdo m hmoVmV. ~MV Am{U JwVdUwH `mVrc _w` \ aH hUOo ~MVrV Agcocm ngmdmT>V Zmhr. Va JwVdUwH sV EH m {ZpMV H mimV Vw_`m ^mS>dcmV dmT> hmo`mg _XV hmoVo. ~MVrZo AmnUAmn`m AnmdYr`m JaOm nyU H eH Vmo. naVw AmncoXrKmdYrVrc Am{WH c`onyU H a`mg JwVdUwHH aUoM Amd`H Amho. ~MVr_wio AmnU Amnco ^m S>dc gwa{jV R>ody eH Vmo. naVw JwVdUwH s_wio AmnUmg _yi^mS>dcmda naVmdom H a`mg _XV hmoVo.

9. H O {d JwVdUwH

gm_m`V Am{WH c` m H a`mgmR>r H OH mT>mdo H s JwVdUwH H amdr `m~m~VrV cmoH Zoh_rM g _mdWoVAgVmV. ho Xmohr {dH n doJioAmhoV. Am{U `mMm `mo` Cn`moJ XoIrc hmoD eH Vmo. Imcr {Xcoco _wo cjmVR>od`mOmoJoAmhoV.1. hogd m_w`mZo Vw_`m Am{WH gm_`mda Am{U A` KQ>H mda Adc~yZ Amho.2. Ho{S>Q> H mS> Am{U d`{ H H OA{Ve` _hmJ AmhoV.3. Oa Vwhr H _r `mOXamMo H OKoVcoAgmc Am{U H a gdcV XoIrc Agoc Oer {H Jh H OmV AgVo, Va

_J H O KoUoM \ m`mMo Amho. Oa Vw_`mnmer MmJcr JwVdUwH `moOZm Agoc Am{U `mVyZ Vwhr MmJconaVmdom H eH V Agmc, Va _J Vwhr JwVdUwH sMm _mJ{ZdS>m.

4. Vwhmcm JwVdUwH H aVmZm `mMr Imr hdr H s `mV OmoIr_ Zmhr Am{U `mMm n[aUm_ Vw_`m n[admamdahmoUma Zmhr. Oa Vwhmcm nyUnUoZwH gmZ Pmco Va. CXm. Vwhr Iyn _moR>r a _ eoAa ~mOmamV JwV{dcr d Vrgwm Mmcy H OmZm nyUnUoZ \o S>Vm. _J hr Iyn _moR>r OmoIr_ Vw_`mgmR>r R>aoc.

Ho {S>Q> H mS>m`m gm_m` ~m~r d YmoHo

eVZw - _r Ho {S>Q> H mS> Ko`m{df`r {dMma H aVmoAmho ? _r `m`cm hdo ?{Z{Ic- Vw`m d`m`m cmoH m_Yo Ho {S>Q> H mS>m{df`r A{Ve` AmH fU AgVo. `m`m H arVm Vr EH g_mZmMr~m~M AgVo. H maU `m_wio Vo Ho hmhr A{Ve` ghOar m {~c ^ eH VmV. nU Vo ho {dgaVmV H s, `mM {~cZVa `mZmM \o S>m`MoAmho .

YmoHo1. Ho{S>Q> H mS>mV OmVrMo ewH {d{dY H maocmJVmV Ogo H s, `mOXa ewH , godm ewH B`mXr. Ho{S>Q> H mS>

naV H aVodoir AWdm dmnaVmZm ho gd ewH ^amdo cmJVrc `mMr OmUrd amhmV Zmhr. VgoM cmoH {dH VKoVmZm `m gd Jmo>r H miOrnUo dmMV ZmhrV.

2. Ho{S>Q> H mS> cmoH mZm OmVr IMmH S>omogm{hV H aVmV. Oa `m`mnmer AmO ngm Zgoc Va VmoAmnU ZVa^ . m dmrg MmcZm {_iVo.

3. Og OgocmoH mMo Cn dmT>Vo, VoOmV Ho {S>Q> H mS> R>odm`cm cmJVmV Am{U `m gJ`mMm eodQ> _moR>mH OmMm S>m|Ja V`ma H a`mV hmoVmo.

\ m`Xo1. Ho{S>Q> H mS>mda {d{dY H ma`m oQ>r XoIrc {_iVmV. Ogo H s ngonaV `moOZm, gwQ>Q>mMo Hw nZ qH dm A`

IaoXt_Yo H mS>dmnZ gdcV mV hmoUo B`mXr.2. Ho{S>Q> H mS>m_wio AmnU ngm Z ~miJVm dmg H eH Vmo .3. Ho{S>Q> H mS> AmYrM ngm nwa{dV Ag`mZo dmnamd`mg gmo rMo hmoVo.

[email protected]


18/4018

hm gm Va Zoh_rM AgVmoH s, òH mZo ~MVrMo V {eH md`mg hdo Am{U `mMr nwOr `mo`H maogm ^mim`cmnm{hOo. òH doiocm dV`m IMmda {ZÙ R>odm Am{U H mhrhr {dH V Ko`mnydu {dMmanydH {ZU KoD ZAmd`H Jmo>rM IaoXr H am. Vw`m d`mVrc cmoH mZm BcoQ>m{ZH dVwMo Iyn AmH fU AgVoAm{U Zd-ZdrZdVw Ko`mH S>o`mMm H c AgVmo . naVw`mZm ho H iV Zmhr `m dVw`m {H _Vr Vw_`m {I`mH aVm ^marR>aVmV. VgoM Vw_`m ~H Im`mVrc aH _ocm H _r H aVmV. doi Amcr Va _J Vwhr {ejUmMo ewH XoIrc

^ eH V Zmhr.eVZw- _r ho cjmV R>odrZ H s, _mPo {ejU nyUPm`mda _cm _mPo e j{UH H O XoIrc \o S>md`mMoAmho. _r`m~c gnyUnUo {dgacmoM hmoVmo.{Z{Ic- _cm AmZX Amho H s, VyH O Ko`mnyduM _cm gm{JVco Vw`m Ho {S>Q> H mS>m`m `moOZo{df`r. OaVw`mda AmVmM H O Amho, Va _J Vy AOyZ H OH go \o S>Uma ? _r Vw`m Am{WH pWVrV Vwcm _XV H aUma ZmhrAmho. `m nojm VwM Aer JwVdUwH H a OoUo H Z VwPo H OVyM \oSy> eH erc Am{U Vw`m ^{d`mVrc JaOmgmR>rXoIrc VOdrO H Z R>oderc.

10. ~MV d JwVdUwH sMo {dH n / gmYZo

~H (BANK)~H _Yrb R>odr hm gJi`mV gwa{jV JwVdUwH H ma Amho. òH ~Ho V` 1,00,00 n`V`m R>odr. `m R>odr{d_m d maVr` h_r moOZm `m`m AVJV oVmV. `m ~H [aPd ~HoH Sy>Z {Z`{V d {ZX}{eV Ho`m OmVmV. `mJmhH mZm {d{dY H maMo JwVdUwH {dH n m`m JaOoZwgma nwa{dVmV. ~H R>odramoI d gwa{jVVm `m H maUm_wioOmV ngX Ho`m OmVmV. Oohm H s `mda {_iUm`m mOXambm JmUd {X`m OmVo. _wXV R>odrda 75-90%

n`V H O XoIrb m hmoD eH Vo.

R>odtMoH ma d `mMr d{eQ>|

~H ~MV ImVo (SAVING ACCOUNT)Agm H ma Omogdgm_m`nUo gJioM dmnaVmV.H _r `mOXa d amoI Vdmda AgUmao.JmhH m_Yo ~MVrMr gd` O{d`mg mYm` XoVo.

~H {ZpMV _wXV R>odr (BANK FDs)

~HoVrb _wXV R>odrV EH m {ZpMV H mbmgmR>r R>abo`m `mOXamda ngm R>odbm OmVmo. (hm H mbmdYr 30{Xdgmnojm H _r ZgVm o)6 Vo12 _{h`m`m _wXV R>odr ghgm H aVmV. ghm _{h`mnojm H _r _wXV R>odrda `mOXa H _r m hmoVmo.`mV H mimMo~ YZ AgVo. n[an Vonydu ngo H mT>bo Va XS> XoIrb âmdm bmJVmo.

AmdVu R>od `moOZm (RECURRING DEPOSIT ACCOUNT)H mhr R>am{dH a _ hr _{h`m`m AVamZo {ZpMV H mbmdYrgmR>r O_m Ho br OmVo.~MV Im`mnojm OmV Xa m hmoVmo.òH _{h`mV EH {ZpMV a _ ~MV H a`mg _XV hmoVo.

{d{e> H mi{Zhm` ~H R>od `moOZm (SPECIAL BANK TERM DEPOSIT SCHEME)hr H agdbV XoUmar `moOZm ~H m_YoCnbY AgVo .`mV H a{Z`_ 80 H Zwgma H amV gdbV XmZ Ho br OmVo.`mV nmM dfmgmR>r emgH s` ~H mZm Aer `moOZm nwa{dUo ~YZH maH Amho.

[email protected]


19/4019

emgH s moOZm (GOVERNMENT SCHEMES)

H a ~MV `moOZm*

^maV gaH maZo H a ~MV `moOZm gw Ho`m AmhoV.

y

am>r` ~MV n (NSC)y ^{d` {Zdmh {ZYr (PPF)y S>mH {d^mJmoVrb `moOZm (POS)

JwVdUwHsVwZ m hmoUmao Cn H amVwZ dJi`m OmVo d `mV JwVdUwH Hobom `moOZm_o Hmhr CnEHm _`mXrV HaCnmVwZ dJi`mV oVo.

amr` ~MV n (NSC)y A{Ve` bmoH {` H agdbV moOZm, df a CnbY AgVo.y `mOXa 8.8%y H _rV H _r JwVdUwH ` 100 d `m`m daVr {H Vrhr. _`mXm Zmhr.

y narn Vm AdYr 6 df.y Zm_mVarV / hVmVarV H aVm òVo d `m `moOZoda H Omr hmoD eH Vo.

^{d` {Zdmh {ZYr (PPF)y `mOXa 8.8% {Vdfy H _r_H _r` 500 JwVdmdo bmJVmV d OmVrV OmV` 100,000.y n[an VoMm AdYr 15 df.y ngo JwVd`mg gw dmV Ho `mnmgyZ {Vg`m Am{WH dfmV H O KoVm òVo. qH dm n{h`m dfm`m eodQ>r

JwVdbo`m aH _o`m 25% H O. OmVrV OmV 36 h`m_YonaV H a`mMr gw{dYm.y EImXm `{ òH dfu ngo H mTy> eH Vmo ({ebHo`m 50% no jm OmV Zmhr) gmV`m dfmnmgyZ òH

dfu ngo H mT>Vm oVm.

S>mH {d^mJmVrb `moOZm( POS)y hr H a~MVrgmR>r gJi`mV MmJbr `moOZm Amho.y df a CnbY AgVo.y S>mH {d^mJmVrb `moOZm, JwVdUwH H ma d n[an Vm AdYr `mda Adb~yZ AgVmV. `m H s, Imbrb

H mao {d^m{OV Ho `m OmD eH VmV.y _m{gH R>ody ~MV R>ody H mbmdYr R>ody Amd{VV R>od

eoAaer g~{YV ~MV `moOZm (ELSS

)y {d^m{OV eoAa \S> m H mamMrM hr `moOZm, \ `mV U/S80 C`m AVJV H a gdbV m hmoVo.y 3 dfngm JwVdwZ R>odmdm bmJVmo.y bm^me hm H a_w AgVmo.y Oa `mMo`w{ZQ> {dH bo Va XrKH mbmdYrV ^mS>dbmda CnmMm \ m`Xm m H aVm òVmo. `mda \ m`mMm

H a âmdm bmJV Zmhr.y H _rV H _r` 500 JwVdmdobmJVmV d daVr `m`m JwUmH mamm d nmV {H Vrhr.y JwVdUwH Xma nVera JwVdUwH `moOZoMm {dH n gwm KoD eH Vmo.

* JwVdUwHaXmamZm ZdrZ Ha ~MV `moOZm dmMmMr gbm XoVmoo.

[email protected]


20/4020

amoIo~Y (BONDS)amoIo hUOo {dH V KoUm`mZo Omar H `mg {Xbobo H Od `m ~X`mV OmarH Vm `mO XoUma. amoIo~ Y H n`m{d{m` gWm qH dm gaH maH Sy>Z gwm Omar Ho`m OmVmV. {dH V KoUm`mbm {dH Um`mH Sy>Z `mO m hmoVo.

amoIo~YmMoH ma

H a ~MV amoIo~YEH m {ZpMV JwVdUwH s n`V H a~MV amoIo~Y H amV \ m`Xm XmZ H aVmV. ho gd`m `moOZoV gaH maZo `mH maogyMZm {X`m AgVrb `mdaM AmYm[aV AgVo. CXmhaUmW-y H a {Z`_ H m`Xm 1961, A`m` 88 `m AVJV Ammo{JH {dH mg amoIo~YmV H agdbV.y H a {Z`_ H m`Xm 1961, A`m` 54 B H `m`m AVJV Zm~mS>/ Zm` / Ama B gr amo`m_Yo H agdbV.y [aPd ~Ho MoH agdbV amoIo~Y.

{Z`{_V Cn amoIo~Y{Z`{_V Cn ho pWa Cn {Z`{_VnUoAWdm R>am{dH H mbIS>mZo X>oVmV. CXm.

y ngoXnQ> H aUmao amoIo~Yy `mO dmT>[dUmaoamoIo~Yy amoI amoIo~Yy ej{UH amoIo~Yy ngm dpXJV H aUmaoamoIo~Yy A{V[a gdbV XmZ H aUmaoamoIo~Y

R>iH d{eQ>oy `m amoIo~YmMm XOm Hsgrb, BH m, Ho Aa, {\ M B`mXr gWmH Sy>Z R>a{d`m OmVmo. `m amoIo~Ymda hmoUmao

Cn ho `m amoIo~Ym`m F UXOm`m (gwa{jVVo`m) `V _mUmV AgVo.y {Z`{_V CnmgmR>r `mo` `mO ghm_mhr, {_mhr qH dm {V_mhr _mUoamoIo~Ym`m H mamZwgma m hmoVo.y hoamoIo~Y gm_m` ~mOmamV d eoAa ~mOmamV XoIrb CnbY AgVmV.y ~mOma_w` n[an Vog {_iUm`m Cnmda, VgoM n{hbo{_imbo`m `mOXa Am{U XOm `mda Adb~yZ

AgVo.y amoIo~Ym`m ~X`mV ~H mH Sy>Z H OXoIrb {_iy eH Vo.y H _rV H _r JwVdUwH a _ hr` 5000 Vo` 10,000 `m _Yo AgVo.y 5 Am{U 7 dfm`m Amgnmg H mi AgyeH Vmo.y S>r_Q> d nmV XoIrb AmnU `mg R>odyeH Vmo .

F U~Y (DEBENTURES)F U~YmMr R>iH d{eQ>o

y {ZpMV `mO XmZ H aUmaogmYZ, n[an Vm H mi ~XbV OmVmo .y amoIo~Ym gmaIoM, naVwho H n`m Omar H aVmV.y m`hoQ> H n`mH Sy>Z AmUbo OmVmV. qH dm R>am{dH H mimV AO H amdm bmJVmo.y eoAa ~mOmamV Zm|XUr PmboboAWdm Z Pmbobohr AgyeH VmV. Oa Vo eo Aa~mOmamV nOr~ Pmbo AgVrb,

Va _J mMm XOm go~r gWo _YoZm|XUr Agbo`m EImm XOmR>a{dUm`m gWoH Sy>ZM XOm{X`m OmVmo.y n[an Vm AdYr gmYmaUV 3 Vo10 dfmMm AgyeH Vmo .

[email protected]


21/4021

F U~YmMoH may {d{dY H mamMo F U~Y `oWo Imbr gm{JVboAmhoV.y An[adVZr` F U~Y - gnyUaH _oMo {d_moMZ Omar H `mH Sy>Z Ho`m OmVo.y Am{eH n[adVZr` F U~Y - EH ^mJmMo{d_moMZ Am{U EH ^mJmMo n[adVZ eoAa _Yo mV JwVdUwH XmamZm

{dH n Agy {H dm Zgw eH Vmo.

y

gnyUn[adV{Z` F U~Y - gnyU qH _V eo Aa _Yo n[adVuV hmoVo. hr n[adVZr` qH _V Omar H aVmZmMgm{JV`m OmVo.

H n`m`m {ZpM_ _wXV R>odr (COMPANY FIXED DEPOSIT)R>iH d{eQ>oy H n`mH Sy>Z ~H R>odrgmaIrM {ZpMV _wXV R>odtMr moOZm XmZ Ho`m OmVo.y ghgm N>moQ>m JwVdUwH XmamH Sy>Z H n`m ngo KoVmV.y JwVdUwH H mi {H Vr, honmhUo _hdmMo AgVo. H maU H s Aem _wXV R>odr n[an Vonydu m hmoV ZmhrV.y ~Ho `m _wXV R>odr BVm m H n`m`m R>odr gwa{jV ZmhrV.y OmV OmoIr_ Ag`m_wio ~H m`m _wXV R>odtnojm OmV `mOXa `mV {_iVmo.

y gwa{jVVo`mZwgma `mMm XOmR>a{dbobm AgVmo.

wwAc S> (MUTUAL FUND)wwAc S> nwH i JwVdUyH XmamH Sy>Z ngoJmoim H aVmV d Vmongm ZVa eoAa ~mOma, amoIo~Y, AnmdYrMo~mOmamVrc {dH n, A H mam mcmm AWdm m gdJwVdUwH gmYZmm EH {V dnmV cmdVmV.gwVarm wwAc S>mH Sy>Z Omongm gm ^mim OmVmomg ghgm ImVo (nmoQ> mo{cAmo) Agog~moYVmV.oH w{ZQ>Yo JwVdUwH XmamMr gmZ mcH s AgVoM, {edm Oo Cn hr gnyUa Vma H aVo mVhr AgVo.

wwAc S>mMr R>iH d{eR>oy VkmH Sy>Z dWmnZ - ngm hm Zohr m S>mm ~YH mH Sy>Z JwV{dm OmVmo.y {dH| rH aU - {dH| rH aU hr EH JwVdUwH sMr Aer wVr Amho. mwiognyU ngm EH mM Q>moncrV R>odm

OmV Zmhr. Vgohr hQ>coM Amho H s, gd AS>r EH mM Q>moncrV Agmcm ZH moV.y wwAc S>mm mmVyZ eoAaMr mcH s KoVmwio dVMo eoAa qH dm amoIon mmVrc Or

OmoIr AgVoVr {d^mJm OmVo.y dV m - ho S> EH mM doiog Iyn eoAa {dH V AWdm IaoXr H aV Agmwio Or H mhr dhma

qH V AgVo, Vr EImm EH Q>m VrZo Ho com dhmamm VwcZoV A{Ve H r oUma.y amoI CncYVm -Ogo eoAa, VgoM wwAc S>mMo w{ZQ> {dHyZ cmJcrM amoI a mV hmoD eH Vo.y gmonrnUm - wwAc S>mMo w{ZQ> KoUo gmonoAmho . n wH i ~H m mModVMo ww Ac S> CncY

H Z XoVmV d H rV H r ngm JwV{dmMr a XoIrc chmZ AgVo.y JwVdUwH XmamZr ngm JwV{dmnydu m gd ~m~tMm ZrQ> Amg H ZM ngoJwVdmcm hdoV.

wwAc S>mMoH maoH S>mMo JwVdUwH sMo EH nyd{ZpMV AgoC{> AgVo . mV m S>mMo ngo, HwR>m H mam H mamV dH em moOZmZr JwV{dcoOmUma ho R>aco AgVo . wwAc S>mMo Vgo VrZ H ma AmhoV.

y amoIo/ eoAa S>y {ZpMV Cn S>y [dmr ~mOma S>

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22/4022

gJiowwAc S,> ho m VrZ H mam mcmm H mamMrM dno AmhoV. CXm. OgoamoIo S> A{VedoJmZo dmT>V OmUmm H nmYoJwVdUyH H aVmV. hUOodpXJV S>, hoM S> Oohm EH mM jomVrcH nmYo JwV{dVmV, Vohm mg {d{e>> S> Ago hUVmV.

wwAc S> ho mm n[andVm VrWrZwgma IycoAWdm ~X m XmoZ H mamV {d^mJm OmVmV.

Iyco S>y Aem S>mMr HwR>crhr n[andVm VmarI ZgVo.y JwVdUwH Xma Iym S>mMow{ZQ> IaoXr AWdm {dHs gnmr ~YZ H aUmm Hnmm H mmcmVyZ

qH dm mm JwVdUwH godm H|mdZ qH dm eo Aa ~mOmamm mmmVyZ H eH VmV.y IaoXr qH dm {dH s y hoZohr wwAc S>mm EHy U mcmm qH Vrda AYmarV AgVo.

R>mam{dH H mimV ~X hmoUmam S>y ho S> {d{e> H mcmdYrgmR>rM MmcVmV.y EH m n[andVm {VWrcm gd w{ZQ>Mo ngonaV {iVmV d moOZm ~X hmoVo.y mMo w{ZQ> eoAa ~mOmamV Zm|XUr hmoVmV. OoUoH Z amoI a nwa{dVm oUo gmono hmoVo.

y JwVdUwH Xma, mMo w{ZQ> eoAa ~mOmamVrc MT>md-CVmaZwgma {dH V KoD eH VmV qH dm {dHy eH VmV.{dmr ~mOma S>

y AVre H r H mcmdYrV {ZpMV Cn XomV oUmm gmYZmYoJwVdUwH Hocr OmVo.y Oar mXm Iyn OmV Zgcm, Var wc gwa{jV amhVo.y ho~MV Immnojm MmJcm cm^ XoVmV. naVw wXV R>odrnojm hm cm^ H r AgVmo.

amoIo~Y S>

y EH pWa CnZ XomMm Z m H mamV hmoVmo.y JwVdUwH {h ghgm emgH s d {dmr F U nmV AgVo.

y Oar S>mMr qHV dmT>cr Var, mMo w Co hUOo JwVdUwH XmamZm pWa ngm nwa{dUo hoM Amho.gVmoc S>

y gwajm, Cn d ^mS>dcmV dmT> Agm gVmoc m VrKmmhr gw mZomV gm mimV oVmo.y moOZm hrM AgVo, H s {ZpMV Cn XoUmao {dH n d eoAa mV gw nUoJwVdUwH H aUo.

eoAa S>

y JwVdUwH hr eoAa d amomYo AgVo.y wwAc S>mm moR>m mJmMo {V{Z{Yd H aVmo .y JwVdUwH sMo w Co XrKmdYrV ^mS>dcmMr dmT> d mM ~amo~a CnmV XoIrc dmT> H aUo.y {d{dY H maMoeo Aa S> AgVmV H maU H s, {d{dY H maMoJwVdUwH {dH n CncY AgVmV.

naamr / AmVaamr S>

y ho S> ~mhoa XoemVrc H nmm eoAaYoJwVdUwH H aVmV

jor S>

y ho S> AWH maUmVrc Ho di EImm jomcmM c ~ZdyZ mV JwVdUwH H aVmV. OgoH s Am{WHjomer g~{YV, VkmZ jo, Amamo jo BmXr.

[email protected]


23/4023

gdoXr gyMH mH S>y Aem H mam wwAc S>mV gnyU~mOmamm H mmMm AmT>mdm Amnmcm KoVm oVmo . hogoZgog

AWdm {ZpQ>Yo JwVdUwH H aVmV.y gyMH mH S> ~mOmamVyZ {imm mmcm Xe{dVmV d mVyZ JwVdUwH XmamZm A{Ve H r nemV

s XoD Z mXm ho S> mV H Z XoVmV.

amoIo

H nmm mcH s hH mV, hUOo gmYmaU d A{YmZ ^mJ nmMo YmaH hmomV ag XmI[dVmV. eoAa~mOmamV H nZrMoeoAa gdm {H VrV IaoXr d {dHs dhma H amg nm AgVmV. Ago eo Aa (g^mJ){d{Z gWoV Iyco AgVmV.

hoeoAa nOr~ AgmwiomMo dhma hUOo, IaoXr-{dH s BmXr H amMr w m g^mJ {d{Z gWmXoVo. maVmVrc hdmm g^mJ {d{Z gWmYow~B (BSE) Am{U am>r g^mJ {d{Z gWm ^maV{c{Q>oS> mcm (NSE) Ago AmnU OmUVmo. m gWmMm w Co hUOo g^mJmm IaoXr {dHsgmR>r~mOmaWmZ nwa{dUo. g^mJmYo JwVdUwH H aUo. ho maM OmoIrMo Amho d mda cj nwa{dmg A

JwVdUwH snojm {ZpMVM OmV doi hdm.XmoZ H maog^mJmYo /amo`m`oJwVdUwH H aVm `oUo e` Amho-y EH Va mW{H dnm`m ~mOma m`mVyZ (OZVogmR>r Oohm g^mJ IycoH a`mV oVmV VohmM

AmdoXZ H aUo)y ZmhrVa Xw ~mOma mmVyZ (hUOoM g^mJ {d{Z gWoV nOr~ PmmZVa)

gdW ~mOmamg gOyZ `m. HnZr H em H mao AmoiImdr qH dm [VMm eoAa `mo` qH VrV Amhoho OmUUoAmd`H Amho. V WmoS>m A`mg, WmoSo {dH|{XH aU d `mo` cj XoUo. `m H mao JwVdUwH XmamZm MmJcm m`Xm hmoD eH Vmo.

O_m gWoMr {H mOohm AmnU eoAa _YoJwVdUwH H aVmo, Vohm AmnUmg gdW_ eoAaMo S>r_Q> d n g_OUo JaOoMoAmho.H maU H s AmOH mb gdH mamMoeoAa S>r_Q> d nmV AgVmV. `m nydu`m H mamV eoAa ^m{VH d nmVhUOoM _mUnm`m n nmV {Xbo Om`Mo. OoH s AmVm BboQ>m{ZH d nmV {X`m OmVmV. `m H aVmAmnUmg `m O_m gWoMr {H m g_OUo JaOoMo Amho.

O_m gWo_YoJwVdUwH XmamMo eoAa, F Un, amoIo~Y, emgH s amoIo, wMwAb \S>mMo w{ZQ> BmXr gdBboQ>m{ZH d nmV JwVdUwH Xmamm AmdoXZm ZVaM nOr~ O_m emIm_YoR>odVm oVmV. m emIm {d{dYH mam dhmam_YoXoIrb Amnm godm nwa{dVmV. mZm AmnU EImm ~Ho g_mZM _mZy eH Vmo. Oo H sO_mH mMongo gm miVmV.

gm ^maVmV XmoZ O_m gWm H m_ H aVmV. m H s go~r gWoV nOr~ AmhoV. EH hUOoam>r amoIo O_mgWm (NSDL) Am{U Xgar _dVu amoIoO_m gWm (CDSL).

m O_m gWom dVrZo OobmoH H m_ H aVmV. mZm O_m {V{ZYr AgohQ>bo OmVo. mm _m_mVyZMJwVdUwH XmamZm godm VgoM mmer g~Y Wm{nV Ho bo OmVmV. O_m {V{ZYr hUyZ OZVm Am{WH gWm,_mVm mV mdgm{H ~H m, [aPd ~Ho Zo_mVm {Xbom AmVam>r ~H m, eoAa Xbmb, amoIo ajHgWm, eoAa hVmVarV H aUmao_Vr gWm mZm H s go~rZo _mVm {Xbr Amho. ho H m_ H eH VmV.

AmVm Va JwVdUwH XmamH arVm eoAa _mH}Q> _Yo qH dm OZVogmR>r CnbY hmoUmm eoAa_Yo JwVdUwH H amMrAgmg oH mbm h XmamgmR>r \ mXoeraAgo Zmd Agbobo ImVo CKS>UoAmdH Pmbo Amho. m_wioAmhr XoIrb hoM gyMdwH s, ImVo AgUo H Yrhr dhmamm X>rZomoM Amho.

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24/4024

^m{VH arm eoAaMr IaoXr {dH s H amgmR>r N>moQ>>m JwVdUwH XmamgmR>r (OmVrV OmV 500 eoAa mMrqH _V bjmV KoD Z) EH doJir {IS>H s eoAa gWm nwa{dVo. mV Ago^m{VH eoAa {dH mMr EH XmMgYr m gWo H Sy>Z {Xbr OmVo d eoAa S>r_Q> AgUo AmdH Amho. {dH V KoUmmbm XoIrb nwhm{dH mnydu ho eoAa S>r_Q> H Z KoUoAmdH Amho.

O_m gWoMo\ mXo

y g_^mJ gm mimgmR>r.A{Ve gwa{jV d ghO nV Amho.y VmH mi g_^mJmMohVmVa e.y hVmVa Z hmoUo, ImoQ>o g_^mJ, Cera, Mmoar, BmXr Jmo>tMr OmoIr_ Zmhrer hmoVo.y H mJXmonr dhmamMoH m_H mO H _r hmoVo.y dhmamgmR>r bmJUmm {H _Vr H _r hmoVmV.y EH m eoAaMm XoIrb dhma H aUo e hmoVo.y dmagXma {ZdS>mMr _w m {_iVo.y nmm ~Xbbm Var \ O_m gWog gy{MV Hobo Var, BVa gd {R>H mUr nmm ~Xbbm Amho ho gy{MV

H amMr JaO amhmV Zmhr.y O_m gWmM g_^mJmMo AWdm amomMo hVmVa H arV Agm_wio nj m Hnmer H mhrM g~Y

oV Zmhr.y S>r_Q> ImmV eoAa O_m hmoUo, bm^me, {dJh / {dbr{ZH aU BmXr Jmo>r dMbrV hmoV Agm_wio

bj KmbUoAmdH Zmhr.y eoAa d emgH s amoIo~Y hoEH mM ImmV R>odyeH Vm.

bjmV R>odmMo _woy H moR>ohr AgboboN>moQ>o JwVdUwH Xma qH dm _moR>m \ S>mModhma H aUmao XoIrb EH mM doir gh^mJ KoD

eH VmV.y HnmZm ngm C^mamgmR>r EH _hdmMm moV.y OZVoer gai dhma H amMr _w m {_iVoqH dm ~mOmamV OmD Z OZVog H nZrMo ^mS>db {dHyZ ZdrZ

OmVrMo mS>db C^o H aVm oVo.y eoAa ~mOmamg ghgm EH _hdmMm gyMH mH Xoemm AWdWom g~brH aUmV d {dH mgmgmR>r_mZbo OmVo.

y ~H R>odr qH dm amoIo~Y mm VwbZoV eoAam {H _Vr OmV MT>-CVma Xe{dVmV.y g_^mJm_Yo Agbobr JwVdUwH hr H mbmVamZo VnmgUo JaOoMo Amho. OoUoH Z Vo ~mOmamV {dH mg dY

AmhoV H s Zmhr hog_OyZ oVo.y H Yr H Yr AWdWm d {dmr ~mVm_wio ~mOma A{ddgZr dhma H aVmo . Oohm H s, m

~mV_rMm eoAa qH _Vtda j H mhrM n[aUm_ hmoUma ZgVmo.y EH m H _r H mbmdYrV eoAa, amoIomV ~mOmamV KS>Umm A{Ve ObX KQ>Zm_wio H gmhr MT>-CVma

oD eH Vmo. m_wio~mOmamMo dVZ g_OUoA{Ve H R>rU hmoD Z ~gVo .

JwVdUwH sMo VdkmZ.y oH JwVdUwH sVrb OmoIr_ AmoiIm.y HwQw>~mm AnmdYrVrc d XrKmdYrVrc JaOm AmoiIm.y JaOmda AmYmarV JwVdUwH H am.y Vwhmbm Z g_Obom moOZoV JwVdUwH H ZH m.y Hodi {ddmgmda JwVdUwH Z H aVm, gd g~{YV H mJXn Vnmgm.y oH Cnmda H amMm nS>Umam \ aH bjmV m.y ~mOmamVrb A\ dm qH dm {_iUmm gyMZmda AmYim {ddmg R>ody ZH m.y H mhrnU A{Ve dam qH dm Imbm Vamda Agob Va, mMo H maU AgUmaM. Vo emoYm.y Aem moOZmMo~ir nSy> ZH m, mV mOXa {_iob naVy _wb J_dmdo bmJob.y moOZm qH dm Vo gmYZ dpWV AmoiIyZ _JM JwVdUwH H am.

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25/4025

11. gwa{jVVo {dfrMr gmYZo / {dH n

OrdZ[d_m moOZm* (INSURANCE POLICIES)*hm eXM ^{dmV hmoUmm ZwH gmZrMo ajU hmoUma hogwM{dVmo. VarnU OrdZajH {d_m gd bmoH {Amho. AOwZhr {d{dY H mamm moOZm AmhoV. m H s gmVnyUCn XoVmV qH dm AH mamZwH gmZrMr O~m~Xmar XoIrb KoVmV.

OrdZ[d_mOrdZ[d_m hUOo EH Aem H maMm AZw~Y, mV H mhr ngoXoD Z m { Mo OrdZ gwa{jV H amV oVo.qH dm H mhr AZw{MV gJ KS>bmM, Va mm dmagXmamZm Vr a _ XomV oVo. Oa H m Vw_Mm _wKS>bmMVa HwQw>~mbm Am{WH XQ>m gwajm XmZ H amMr hr A{Ve MmJbr nV Amho. H maU H s m_wio Vw_mZVa Vw_m CnmMoZwH gmZ HwQw>~mH [aVm ^ Z {ZKVo .

_wXV OrdZ[d_my hm H ma ^maVmV bmoH { hmoVmo Amho.y _wZVa EH _moR>r a _ dmagXmamZm EH X_ XomV oVo.y m moOZm 5, 10 ,15, 20, qH dm 30 dfmgmR>r AgVmV.y BVa moOZonojm hmMr a _ XoIrb H _r AgVo.y moOZog amoI qH _V ZgVo.

gmdYr {d_m moOZmy mV R>am{dH H mbmVamZo hmMo ngo^amdo bmJVmV Am{U eodQ>r hm O_m Pmbobm EH {V ngm _wZVa

dmagXmamZm AWdm moOZom n[an Vm {VWrZVa m rg m hmoVmo. OonU n{hbo KS>ob, Vgo ngo{_iUma.

dfmgZ /{ZdmrmoOZm / \S>y mV OrdZ gwa{jV Zmhr hmoV. naVwR>abom H mimgmR>r {ZpMV Cn OrdZmgmR>r XomV oVo.y {ZdmrZVam CnmgmR>r ghgm H mT>m OmVo.y hmMr a _ EH X_ AWdm R>am{dH dfm_Yohm-hmZo ^abr OmVo.y moOZm KoVbom { g, EH {ZpMV a _ H mbmVamZo R>am {V{WnmgyZ {_img ma hmoVmo.

({V_m{gH , ghm_mhr qH dm dm{fH BmXr H mao)y _wm ZVa dmagXmamZm XoIrb A{Ve MmJbm bm^ m moOZm H Z XoVmV.

w{ZQ> qbH OrdZdr_m moOZm

y m H mam moOZoV OmoIr_ d JwVdUwH mMo{_lU nhmdmg {_iVo. hr moOZm OrdZ[d_m XmZ H aVo.y eoAa ~mOmamV oUmaoMT>-CVmamMm n[aUm_ gai m moOZoda hmoV AgVmo.y JwVdUwH sm OmoI_rMm ^ma nyUnUo JwVdUwH XmamdaM AgVmo.y mV nwH i gmm H nm JwVdUwH Xmamm JaOmZwgma moOZm CnbY H Z XoVmV. mV OmoIr_ d H mi

mMm XoIrb {dMma Hobobm AgVmo. {d{dY \S>mm OmoIr_ XoIrb {d{dY H mam AgVmV.y ^{d {Zdmh {ZYr ImmgmaIo mV {_iUmam naVmdm {ZpMV ZgVmo. Vwhr ~ZdV Agbobm ngm, hm

Vwhr {H Vr MmJbm \S> ~YZ H aUmam { {ZdS>Vm mda Adb~yZ AgVmo.

ZdrZ {Zdmr moOZm, 2009.y hr moOZm 18 Vo55 dfm dmoJQ>mVrb ^maVm_Ycr H moUVrhr { CKSy> eH Vo.

y mV EImXm { {Zdmr KoV nV R>am{dH ngoQ>mHy eH Vmo .y {Zdmrm doiog, O_m Pmbobr gnyU a _ H mT>Vm oVo qH dm OrdZdr_m H nZr H Sy>Z dfmgZ KoD

eH Vmo. OoUo H Z mg {Z{_V Cn m hmoV am{hb. qH dm Xmohr H eH Vmo. 40% a _oModfmgZbmJbrM KoD eH Vmo d OmVrV OmV 60% O_m ^ Z a _ moOZoVyZ AmharV H Z KoD eH Vmo.

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26/4026

y bmJbrM dfmgZ KoVbo AgVm, OrdZdr_m H nZr H Sy>Z {Z{_V Cn m hmoVo. ho Cn _m{gH ,gh_m{gH , _m{gH , qH dm dfmVyZ EH XmM m hmoUmao AgVo.

y H _rV H _r` 500 JwVdUoAmdH AgVo. VgoM oH dfu {H _mZ Mma hVoâUo AmdH AgVo.m{edm oH dfu H _rV H _r` 6000 JwVdUoAmdH Amho.

y OmVrV OmV a _ JwVd{dmMr _mXm Zmhr. VgoM OmVrV OmV {H Vrhr ho âVm oD eH VmV.

y mV JwV{dbobm ngm Vk ~YZ A{YH mmH Sy>Z gm mibm OmVmo.y Vwhr Vw_Mm Vk ~YZ A{YH mar ~XbdygwX>Ym eH Vm, Oa Vwhr mm H mnVrZo g_mYmZr Zgmb

Va.y m ImmVyZ Vwhr ngm H mTy> eH V Zmhr Am{U hr JwVdUwH dmm 60 m dfmnV dmT>VM OmVo.

_w nMmVM ngm H mT>Vm oUo e Amho. AWdm Vwhr IynM AmOmar qH dm Oa Vwhr dVMoKa ~m YV/ {dH V KoV Agmb Vohm, mVyZ ngoH mTy> eH Vm.

y OmVrV OmV 1 bmImnV mVrb JwVdUwH sg AmH a {Z_mm 80 CCDm AVJV gyQ> m hmoVo.EH bjmV R>odm EH bmImMr _mXm nma hmbm ZH moAm{U EH bmImm daVr {Z_ 80 CmAVJV gyQ> m hmoBb.

Amamo [d_mAmamo [d_m Vwhmcm EImm qH dm AZoH AmOmamnmgyZ gwa{jV H aVmV Am{U Aem AmOmamV bmJUmmAm{WH ~mOyMr gnyUnUo h_r KoVmV. Ago [d_m Vw_m gd qMVm Xya H aVmV. IMmMr H miOr KoVmV, m_wioWmoS>o emV amhmg _XV hmoD Z { A _hdmm Jmo>tda bj Ho{V H eH Vmo.

^maVmV {d{dY H maMoAmamo qH dm dH s [d_m moOZm CnbY AmhoV. m moOZm m H m XoVmV mZwgmaImbr dJuH V Hom AmhoV.

n[anyUAmamo [d_m h_r moOZm - m moOZo AVJV Vwhmcm Amamo{dfr BpnVimm _m_mVyZgnyU gwajm XmZ Ho br OmVo. VgoM EH doJim Amamo{dfH \S> Vma H Z A Amamomer {ZJ{S>V

IMmMr H miOr KoVm OmVo.BpnVi moOZm -m moOZoV Oa Vwhmbm BpnVimV âVr H amdobmJbo Va, gd IMmMr ânmB H Z{_iVo. m H mamV, oH {dH nm_Yo ngm XomMm H ma doJdoJim Agy eH Vmo. VgoM H mhr IMmda _mXmXoIrb AgVo. BpnVi moOZm H mamV, moOZm nwZmr AWdm R>am{dH \ mXm Aem H mamV gwm AgweH Vo. m gd{d{dY {dH nmMm Coe hmM AgVmo H s, Vodmadma hmoUmm AmfYr IMmMm ^ma CMbVmV.

J ra AmOma moOZm - m moOZm Vwhmbm J ra AmOmamMm _mo~Xbm XoVmV. OgoH s X{dH ma, Add~XbUo, {H S>Zr {ZH m_r hmoUoBmXr. m dr_m moOZmMo _w b hUOoA{Ve _hmJ BpnVi IMmMm^ma ghZ H aUo.

{d{e> n[apWVr _mo~Xbm - m H mam Amamodr_m moOZoV \ _Yw_oh qH dm H HamoJ BmXrnmgyZCdUmm Amamo {dfH n[apWVtMmM {dMma Ho bm OmVmo. mV Vo, AmOma {ZU moOZm gwm OmVrMrQ>mHy eH VmV. Or H s {d{e> H mimgmR>r AQ>tg{hV _mo~Xbm XoUmar Agw eH Vo.

oWo{Xcom m{hVrV ~Xc AgyeH Vmo. mwioZdrZ H m{eV Pmcocr m{hVr dmMm.

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27/4027

12. H O {dfH gmYZo#

gmm A{Ve dmT>m OrdZ_mZ nVrV H OhUOo EH gm_m ~m~ Pmbr Amho . nwH i bmoH d{ HH O, H ma H O, VmaU H OqH dm A Xgm Hw R>m H OmgmR>r AO H arVM AgVmV. oH mgmR>r ~mOmamVH OCnbY Amho. ghgm Am{WH AS>MUtMr gw dmV hr _moR>m H Omm S>moJam_wioM Cn hmoVo.

{d{dY H maMoH O CnbY AmhoV.

d{ H H Od{ H H O ghgm VohmM KoVm OmVo, Oohm _Zw EImXr AZno{jV JaO nyU H amg Am{WH XQ>mg~b ZgVmo. nwH i doim Ho di OmVrMm ngm {_i{dmm ZmXmV d{ H H O H mTy>Z Am{WH AS>MUrV

oVmV. qH dm EImXr Iyn _moR>r dVwKoUo hohr H maU AgVo. naVwZVa mZm H iVo H s, Vo mMo_m{gH ho\o Sy> eH V ZmhrV.

R>iH d{eQ>o

y 14-18% mOXamgmR>r Vma ahm qH dm OmV \ s Am{U _m{gH ho XoIrb _moR>m aH _oMoM AgUma.y AmdoXZ {dYr doi ImUmar VgoM H YrH Yr nwH i AmR>dS>o \ _Owa H amgmR>rM KoUmar Amho. doioda

ngo Z m hmom_wioAZno{jV JaOmnyUH aUo e hmoV ZmhrV.y Xa Am{U eVu Aem H mamV gVV ~XbV AgVmV. m_wio m XmoKmMrhr gmdYarVrZo VwbZm H aUo

AmdH Amho. ZmhrVa Aem VmH mi JaOm ^mJ{dVmZm JmhH mZm nwH i OmV ngo_moOmdo bmJVmV.y HwR>mhr H mamMo d{ H H O KomAJmoXa doi H mTy>Z dpWV Amg H am.

y

A{Ve AmdH JaO Agm{edm hoH O H mT>mMm gm H moUrhr XoUma Zmhr.JhH OJhH O hUOoEH AOyZ H O, Oo H s Vw_m Kamm VmaUmV {Xbo OmVo . Oa Vwhr Vw_Mo n{hboM Ka {dH VKoUma Agmb, Va JhH Omm ~m~mVrVrb gd ImM-IiJoOmUyZ KoUo mo R>aob. AWdWm d ~mOmammVrb ~Xbmd Vw_m JhH Ombm bmJy hmoVmV.

R>iH d{eQ>o

y 75 Vo 80 % nV Jhmm {H _Vrda ~H m H O XoVmV.y ~H mZr AmVm EH doJioM Xa Mmby Ho bo AmhoV. Oo H s H _r AdYr nV ImbVr AgVmV. mZVa _m

Vo dmT>VmV d doJdoJiogwm R> eH VmV. m_wioAmdoXZ n A{Ve H miOrnydH dmMUoJaOoMo Amho.

y nwH i JhH OmMm H mbmdYr H _rV H _r 3 df qH dm mnojm OmV AgweH Vmo.y n{hboM ngo âmg nwH i OmV XS> âmdm bmJVmo.y Aem H Om_Yo Nw>m \ s qH dm A H mamMoIM AgVmV.y Oa Vwhmbm Ka {dH mMo Amho. Va _J H ObmJbrM âmdo bmJVo .

{VVmaU{VVmaU hUOogm_m VmaU {H om AJXr CbQ> nV. m_Yo VmaU gnmr H arVm ~H M ngo XoVo. hrnV npM_r Xoem_YobmoH { Amho.

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28/4028

R>iH d{eQ>o

y EImXr { Orm Odi _mb_mm hUOoKa BmXr Amho. naVw {Z{_V CnZmMm moV Zmhr. Aemdoiog Amnbo Ka ~Ho nmer qH dm JhH OXoUmm Hnmnmer JhmU R>odVo. m ~XmV Vr ~H qH dmHnZr m { g {Z{_V Cn XoVo .

y EH Jmo> A{Ve MmJbr Amho H s, Omo{ AemH mao Amnbr gnmr (Ka) {VVmaU R>odVmo. Vmom

KamV gnyUOrdZ^a amhVa eH VmoM, {edm Vo KaM mmgmR>r {Z{_V Cn XomMo gmYZ ~ZVo.hUOo m H mamV KaM _mbH mg {Z{_V Cn nwadVo.

y naVw m H mamV EH Xm H m m Ka_mbH mMm _w Pmbm AWdm Vmo Ka gmoSy>Z Jobm, H s _J gnmr{dH mMm A{YH ma ~Ho nmer AgVmo. OoUo H Z {Xbobo H O Vo naV m H eH Vrb. Oa qH _VH Omnojm OmV Ambr. Va ngo dmagXmamZm {XboOmVmV.

{VVmaUmMo nona ~Z{dmgmR>r ^maVmV [aPd~Ho ZoH mhr {ZX}e Omar Ho boAmhoV.

R>iH d{eQ>oy HwR>bmhr Ka_mbH Omo 60 dfmnojm OmV Amho Vmo ho H O m H eH Vmo.y {Zdmgr gnmrMr Or qH _V Agob, mm \ 60% nVM H O mr hmoD eH Vo.

y OmVrV OmV H mbmdYr hm 15 dfmMm Amho.y H O KoUmar { mm BN>oZwgma EH X_, {V_m{gH , _m{gH , dm{fH H emhr H mao a _ m

H eH Vo.y ~Ho H Sy>Z Xa nmM dfmZr EH Xm gnmrMr \oaqH _V R>a{dbr OmVo .y {VVmaUmVyZ Or a _ m hmoV AgVo. VoH O hQ>m OmVo. mg Cn hUVm oV Zmhr.y {VVmaUmMoXa {ZpMV qH dm A{ZpMV H mamMo AgVmV. hUyZM ho mOXa ~mOmamm n[apWVrda

{dg~yZ ~XbV AgVmV. mH S>oH O KoUmmZo bj R>odUo JaOoMo Amho.

amomm ~XmV H Og_^mJmm ~XmV H O KoUo, hUOo dVm JwVdUwH sMo gajU H aUoM hmo. VgoM dVm JaOmMrH miOr gwm KoUohmo. Aem H maMo bmoH Hw R>mhr H mao AmH p_H KQ>ZmZm Va Vm|S> XoVmVM {edm eoAaZ {dH VmM amoI a _ XoIrb C^r H aVmV. Aem H maMo H O KoUo VohmM ehmUnUmMo R>aVo, Oohm VwhmbmH mhr _{hZo AJmoXaM {ZpMV {H Vr a _ bmJUma Amho, mMm AXmO oVmoAm{U Vwhmbm AJXrM VmnwamH mimgmR>rM \ S> hdoAgVrb VohmM H mT>mdo.

R>iH d{eQ>o

y S>r_Q> eoAa qH _Vrm \ 75% Q> oM [aPd ~H ~H mZm H O XomMr _w m XoVo. Am{U ^m{VHeoAam ~m~VrV mm qH _Vrm 50% Q> o. Var gwm ~H m mm dVm A{YH mamV amhZH _r-A{YH _mUmV H O XoD eH VmV.

y ~H mnmer _Owa Ho m Jobobr amomMr mXrM AgVo. mm ~XmV Vo H OXoD eH VmV d hr mXroH ~HoZwgma doJdoJir AgyeH Vo. hr mXr doimo-doir ~XbV gwm AgVo.

y wwAb \S>mm EHy U _mb_mm qH _Vrm AmYmamdaM w{ZQ>Mr qH _V Agm_wio mm ~XmV~H m H OXoVmV.

y mOmMm Xa 14%-18% _YoAgVmo .y oH ~HoZwgma {H m \ s d nona IM 1 Vo 1.5% nV Agy eH VmV.y Hnm, Zm~m{bH , gWm, qhX EH {V Hw Qw >~ qH dm naam>r bmoH mm Zmdmda Agbobo g_^mJ H O

mrm AhVoV oV ZmhrV.# ZdrZ H O{dfH {Z nhm

Ho {S>Q> H mS> H OOohm d{ H H O qH dm A H OmMo _mJ ~X PmboAgVrb, VohmM ghgm hm _mJ nH amdm. Ho {S>Q>H mS>mV {_iUmao H OAgwa{jV Va AgVoM {edm mda mOXa XoIrb Iyn OmV AgVmo. Ho{S>Q> H mS> Amnmnmer \ S> ZgVmZmhr ngo IMH amMr VmH X XoVmo . nwH i V UdJ AZmdH Jmo>tgmR>r mMmdmna H aVmV d m_wiomMm X nmoJ OmV hmoVmo.

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29/4029

Ho{S>Q> H mS> H OmnmgyZ Xa ahm - nwH i bmoH mZm Ho {S>Q> H mS> H OmnmgyZ AS>MUr Cn hmoD eH VmV. \ H _rV H _r ngo XoUo _hmJmV nSy> eH Vo d mZVa Vwhmbm XrKH minV H O\oS> H amdr bmJy eH Vo. gVVVw_Mo H O \oS>mMm Zoh_r gmVnyU Z H am. OoUo H Z VwhmbmM ZVa H iob H s, Amnbm {ZU {H Vrmo Amho.

R>iH d{eQ>o

y Ho {S>Q> H mS>mda AmH mabm OmUmam mOXa hm gdH mam H O H mamV OmV AgVmo. hm mOXa18%-36% dm{fH AgyeH Vmo.

y H O ho gVV mOXa qH dm XS> m _m_mVyZ dgyb hmoVM AgVo. Oa H m Vwhr Vw_Mr XoUr mO_wH mbmdYrm gnm nydu Zmhr âbr, Va _J _m Vwhmbm IynM OmV mOXa âmdm bmJUma. hoVw_m Ho {S>Q> H mS> H Omg H _r H ambm IynM mgXmH R>aob.

y nwH i Ho {S>Q> H mS>mm _mXm A{Ve H _r AgVmV. m_wio H OdmnaUmam { dmV{dH VoH S>oS>moioPmH H aVmo H s, _{hmm _{hmbm ~gUmam mOXa H _r Amho d hoM _J ZVa AmJmer oVo. hra _ eodQ>r Vw_m _yi H Omnojm OmV hmoVo.

y EH Va Ho {S>Q> H mS> EH mnojm OmV KoVmZm A{Ve gmdY amhm. VgoM ho{dH Umao bmoH Vw_Mr H O_mXm

dmT>dyZ XomMm Zoh_r Z H arV AgVmV. Oar hm Ho {S>Q> H mS> MmamMm ^mJ Agbm, Var mnmgyZgmdY Agm.

A{V[aV H OmnmgyZ dmMmm nmmH OmMr `mXm gw{ZpMV H am.y EH Va gdW {H Vr H O Vwhmcm nadSy> eHoc. Vo R>adm. `mZVa Vw`m yi H OmMr aH `m

aH onojm Imcr Agm`cm hdr.y Vwhr dV:M `mXm V`ma H eH Vm, H s oH YZmXoemmao {H Vr aH H OmgmR>r OmBc. `mwio

Vwhmcm H Omda A{Ve` `mo` H mao{Z U R>odVm oBc d VwMo H O XoIrc dmT>Uma Zmhr.

H OmmaohmoUmar IaoXr gmdYmZnydH H am.y Oa Vwhmcm H OmMr JaO Agoc, Va J gdW `mo` H mao A`mg H am. Zohr ho gOyZ `m H s

Vwhmcm H OmgmR>r {H Vr `mOXa mdm cmJUma Amho d hm `mOXa Zohr H r Ag`mH So> H c R>odm.{edm` hohr nmhUo JaOoMo Amho H s Vwhmcm {H Vr H O KoUo nadS>VoAmho. mwio EH M {ZpMV hm oBc H sVwhr `mOXamda A{V[aV ngo IMH aUma ZmhrV.

y dfmVyZ hoEH Xm nhm H s, Vwhmcm mo mOXa {imco AmhoV H s Zmhr.

mohmV nSy ZH my EH Xm H m H nmm cjmV AmcoH s, Vwhr WmoSo> H OdpWV hmVmiyeH mc Va Vo cmJcrM Vwhmcm

AmH {fV moOZmMon nmR>{dmg gwadmV H aVrc Am{U Oa Vwhr AmYrM H moUmH Sy>Z H OKoVco Agoc,Va Vo Vwhmcm A {d{dY H maMo H O gmYZ nwa{dmMo Z H aVrc.y Ago gd H OmMo H ma A{Ve mohrV H aUmaoR> eH VmV. naVw Vwhr m XcXcrV Z gVm, VohmM

H O m, Oohm IamoIaM Vwhmcm mMr JaO Amho.

gai ngoVw`m ~rcmV dmT>V OmVmVy nwH i ~H m qH dm H O XoUmao dM{cV[am Vwm ImmVyZ H mhr ngm Xomg w m XoVmV.y m H mamwioVwMo~rc Va A{Ve doioda âm OmVrc. naVwVwhmcm ho H YrM {XgUma Zmhr OmV

ngo JocoH s, Vwhmcm H r âmdmMo hmoVo .

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13. JwVdUwH sMo V

nVera JwVdUwHmoOZoMo mXo

nVera d

ghO dmnaVmomOmoJr

oH {hmV JwVdUwHH Z

OmV naVmdo{XKmdYrVmV H am.

JwVdUwH Xma cm memV H eH VmV AWdmcm^me dqJV H amMm{dH n KoD eH VmV.

nVera JwVdUwH moOZm

Vwhmcm JwVdUwH sMm{dH n XoVo. oH

{hmV` 500 nmgyZgwdmV H aVm oVo.

ngonmoQ SoQoS MoH ZoAWdm So~rQ nVrZoXoVm

oVmV.

gmonr d{eV~[am

ImmVyZ ng diVoH aVm oVmV.

cm^me dqJV

{dH n

nadSmOmoJo

oH _{h`mV {H _mZ`500 nmgyZ gwm ma H aVm oVmo.

nVera JwVdUwH `moOZm -Am{WH {Z`moOZmMr cdH a gwdmV H aUohrM Iar Jw{H r Amho. AmOH mc lr_V hmo`mgmR>r

Vwhmcm Vw_`m n[admamH Sy>ZM gnmr {_imcr nm{hOo Ago H mhr Amd`H Zmhr. nVera JwVdUwH `moOZmho EH Ago Cm_ _m`_ Amho . `m`mmaoVwhr N>moQ>m JwVdUwH sg gwdmV H eH Vm, EImXr {ZpMVa _ oH _{h`mV AWdm R>am{dH AVamZoJwV{dUo `mmao e` Amho. nwH i`m `mVrc `moOZm Va Hodi` 500 _{hZm JwVdUwH H Z gw H aVm oVrc, OoH s Vw`mgma`m `q Zm ghO gwdmVrcm e` Amho .

nem`m {H _VrMr gamgar gmY`mMr gH nZm

nVera `moOZoV nemMr qH _VrMr gamgarMm Cn`moJ H aVmV. ho _r CXmhaUm`m _m`_mVyZ n> H aVmo.{hZm OmZodmar o ~wdmar mM E{c

A. oH {hmV JwV{dcocr aH 500 500 500 500

~. gnmrMr EHyU yi qH V (EZ E hr) 8 10 12 12

H . w{ZQ> gm (A~) 62.50 50 38.46 41.67

OmZodmar _{h`mV JwV{dco`m` 500 V 62.50 w{ZQ> Vwcm m hmoVmV. Oohm H s E{c _{h`mV \ 41 w{ZQ>. `mMmM AWhm Amho H s, oH _{h`mV `500 JwVdUwH Oa Vy H aV Agerc, Va ~mOma OohmImc`m Vamda Agoc, Vohm Vwcm OmV w{ZQ> {_iUma Am{U Oohm Vmoda`m Vamda Agoc Vohm VwcmH _r w{ZQ> {_iUma. `m_wio Vw`m {V w{ZQ>Mogamgar ~mOma _w` ImcVr AmU`mgmR>r nVera JwVdUwH

`moOZm hoCH > _m`_ Amho . `m_wio Vydoi Va dmMdyM eH Vmo {edm` ~mOmam`m hmcMmctda ZOa R>odm`MoH > XoIrc dmMVrc.

Vwcm _m{hVr AmhoH m ?nVera JwVdUwH sV Ho cocr JwVdUwH hr EH mM doiog Ho co`m JwVdUwH snojm H _r OmoI_rMr AgVo.

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31/4031

14. H emH mao ngo J_dmdo ZmhrV?

{dmr` ~mOmamV KS>Um`m {d{dY H ma`m KQ>Zm, oUm`m `moOZm m gdm`m ~m~VrV oH JwVdUwH XmamZogOJ amhUoJaOoMo Amho. `m{edm` A` AZoH H ma`m KQ>Zm AgVmV. `mgmR>r Vw_`m gnmrg_whmdaZOa AgUo Amd`H R>aVo. Oa Vwhr Ago Zmhr Ho coVa _J Vwhr naVmdo J_d`mMr g ^mdZm AgVo.

Vwhr Vw_`m JwVdUwH sMo {dcofU H amd`mg hdo, `mMr Mmcy qH _V nhmd`mg hdr Am{U Vw_`m gnmrg_whm_ o g_Vmoc gmYmd`mg hdm. Oa H m Vwhr \ w wAc \S>m_ o JwVdUwH H aV Agmc, Va`mmUo AmnU XamoamoO eoAa qH _Vrda ZOa R>odVmo. Ver ZOa \S>m`m _yi gnmr _y`mda AgUo JaOoMoAmho. Vwhmcm {d{dY Am{WH KmV _m{hVr Agmd`mg hdo. Ogo H s Z`mMm Xa, H O \o S>rMr j_Vm Am{UCncY Agcocr amoI B`mXr. OoUoH Z EImXr H nZr {V`m CnH _m_Yo H em H maMm Z\ m H _doc,eoAaMr qH _V Am{U A` g~{YV Jmo>r `m gdmMr H nZm Vwhmcm oBc. Oa Vwhr amoIo~YmV JwVdUwH

H aV Agmc, Va _J Vwhmcm amo`mMr n[an Vm {VWr, `mO Xa Am{U amo`mer g~{YV A` Jmo>tMokmZAgUoAmd`H Amho . Oa H m Vwhmcm n{hcoM nmm cmJcm H s, EImXr HnZr KoVco`m nemda `mo`H mao`mO XoV Zmhr, Va _J Aem HnZr`m amo`m_ o Z JwVdUwH H aUoM `mo`. gwa{jVVo`m >rZoho Zoh_rMAmd`H Amho H s, _y` {ZYm[aV H aUmar V Ogo H s JwUmoma _mU {dcofU Am{U JwVdUwH sMo dmQ>n hogd_m{hVr Agmd`mg hdo.

Vwhr Zoh_r Vw_`m JwVdUwH s_Yo oUm`m ~Xcmdmda ZOa R>odmd`mg hdr. ho~Xcmd ~mOmamVrc MT>-CVma,Am{WH _wo Am{U A` KQ>H m_wio oV AgVmV.

Vwhr Vw_`m JwVdUwH H nZrMoAm{WH Vmio~X nmhZ {dco{fV H eH Vm. `mV Vwhr H nZrZo ^yVH mimVH em H mao JVr Hocr Amho ho Va nmhM eH Vm. {edm` Vr ^{d`mV MmJcm JVr AmcoI R>odoc H s

Zmhr `m ~chr {dMma H Z `m HnZrV ngo JwVdm`Mr `moOZm ~Zdy eH Vm. Vwhmcm HnZr`m Vmio~Xmg`dpWV g_OyZ KoUo Amd`H Amho. `m_wioho H i`mg _XV hmoVo H s, H nZr nemMm Cn`moJ Zo_H mHw R>`m {R>H mUr, H em H maoH aVo Amho . m_wio hohr H iVo H s, {Zdi cmoH mda ^md Q>mH `mgmR>r Am{WHn[anH ~Z{dco JocoAmho H s g` n[apWVr g_moa R>od`mV Amcr Amho. H nZr `mdoir Amnco{ZH mcOmhra H aVo `mdoir Vo H em H mao cjmV `m`cm hdo, dmMm`cm hdo`mMo V Vwhmg AdJV Agmd`mghdo. Vw_`mH Sy>Z Ho`m Jococr oH JwVdUwH _hdnyUAmho . `m_wio Omo n V Vwhmcm `mVyZ Z\ m mhmoV Zmhr Vmon V doimodoir `m JwVdUwH sda ZOa R>odUoho Vw_MoH m_ Amho . `m doiog Vwhr JwVdUwH H aVm`m doionmgyZ Va `m gnmrVyZ m hmoUm`m naVm`mn V hm _Ycm OmoH mhr H mi AgVmo `mg JwVdUwH sMoOrdZMH g~moY`m OmVo. oH M JwVdUwH XmamZoJwVdUwH Ho `mnmgyZ VoWyZ {ZKon V doimodoir cj XoUoJaOoMoAmho. AmVm hm JwVdUwH H mi `{ nado {^ AgVmo. H mhr cmoH H mhr {_{ZQ>mV doe H Z `mVyZ

{ZKVmV gwm, Va H mhr {Xdg^am_YoAWdm dfmZwdf}JwVdUwH H Z R>odVmV. nU oWoZoh_rM hm gm am{hcH s, OmV naVmdom H amd`mMo AgVrc Va JwVdUwH XrKmdYrMr Agmd`mg hdr. {OVHo OmV df VwhrJwVdUwH R>odmc {VVH m H _r H a XoIrc cmJoc. naVwcmJcrM Z\ m {_i{d`m`m Ameo_Yo nwH i cmoHAemH mao dmJV ZmhrV.

H a ~MVrMo{Z`moOZ

oH `{ g `m`m JwVdUwH sda cmJUm`m H am`m ^ma ~c _m{hVr Agmd`mg hdr. oH `{Am`H am`m _`mXoV oVonaVw oH mMr _`mXm {^ AgVo d `mZwgma `mg H a^aUm H amdm cmJVmo.

hoOohm JwVdUwH s`m gX^mV oVo Vohm Vwhmcm `m H am_Yo gdcV m hmoD eH Vo.

Am`H am`m {Z`_ 80 H Zwgma ` 1,00,000 _`mXon V`m JwVdUwH sda Vwhmcm H a gdcV m hmoDeH Vo. naVw `mV Vwhr HwR>`m H a _`mXoV oVm VoXoIrc nmhmdo cmJVo. `mV m_w`mZo`m JwVdUwH sMmg_mdoe hmoVmo. `mV

y ^{d`{Zdmh {ZYr

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y OZgm_m`mH arVm AgUmam {Zdmh {ZYry OrdZ{d`mMoho y {Zdmr `moOZmy eoAa g~{YV w wAc \ S>m`m ~MV `moOZmy Ammo{JH {dH mg amoIoy am>r` ~MV n

Am`H am`m {Z`_ 80 S> Zwgma Vw_`m Amamo` OrdZ{d_m `moOZo`m h`mda XoIrc gdcV m hmoVo.hr {Z`_ 80 H Mr ` 1,00,000 _`mXm nma Ho `mZVa XoIrc {_iVo. `mV 80 S> Zwgma OmVrV OmV` 30,000 n V _`mXm Amho. Va Oo> ZmJ[aH mgmR>r`20,000 n V _`mXm Amho. `mV Vwhr dV H aVm,_wcmH [aVm, nmcH mgmR>r Am{U Zdam-~m`H mo`m`mgmR>r ^a`mV oUm`m _o{S>H c {d`m`m h`mda hocmJy hmoVo. `m {edm` EImm monam`Q>a gWoZo Oa YZmXoe {Xco AgVrc Va `mg XoIrc cmJwAmho . JhH OmV XoIrc `m {Z`_m_wiogdcV m hmoVo. dV {dH V KoVcocr gnmr, qH dm JhH Omda oH dfu`1,50,000 n VMo`mO mda `mV Hw R>`m H maMm H a cmJV Zmhr.ho\ VohmM cmJyAmho Oa Ka ho VrZ Am{WH dfmV ~m YcoAgoc Am{U H O gwm 1 E{c 1999 ZVaKoVco Agoc Va.dmMH mZm {dZVr AmhoH s, mZr gwYmarV H aYmoaU dmMmdo

Imcr {Xco`m nm``m`m AmYmaoVwhr JwVdUwH sg gwdmV H eH Vm.1. JwVdUwH Xmamnmer Imcrc H mJXn AgUo Amd`H Amho.

lWm`r coIm g`m (nZ H mS>) nmgnmoQ>, dmhZ nadmZm n.lnmm {ZYmaUogmR>r - drO Xo H , XyadZr Xo H .

2. JwVdUwH Xma _`WmH S>oM hUOoXcmc qH dm ~YZ A{YH mar m`mH S>oXoIrc OmD eH VmV.3. JwVdUwH XmamZm `mZVa KYC(JmhH _m{hVr) \ m_ ^amdm cmJVmo. Am{U `mV dVMr gnyU_m{hVrmdr cmJVo. `mg Xcmc-JmhH `m`mV Pmcocm H amaZm_m XoIrc mdm cmJVmo.

4. JwVdUwH Xmamg _J S>r_Q> ImVo d ~H ImVoCKS>mdo cmJVo . `mgmR>r `mcm dV`m ~H Im`mMr_m{hVr mdr cmJVo.

EH Xm H m `m nm``m nyUPm`m H s, _J {dmr` ~mOmamV Vmo JwVdUwH Xma `dhma H eH Vmo. VHmar`mgJr JwVdUwH Xma Imcrc {R>H mUr Ymd KoD eH Vmo.H gnmr n{hcognH EgM|O Oa VH ma {ZdmaU Zmhr PmcoVa

1 eoAa / amoIo H nZr/Q>mH EgM|O (OaEgM|O AmYmarV dhma

AgVrc Va)

go~r/{{ZQr Am H manmaoQ> mZmg

2 Ammo{JH H O H nZr/Q>mH EgM|O (OaEgM|O AmYmarV dhmaAgVrc Va)

[aOd ~H /{ZrQr Am mZmg

3 ~mOma Q>mH EgMoO madS> mH}Q> H {eZ

4 naH s McZ Q>mH EgMoO [aOd ~H

5 {dm H nZr {dm {ZZ Am{U ~YZA{YH mar (Am Ama S>r E)

6 wwAc S> Egr/Q>mH EgM|O go~r

7 EZ ~r E gr g~YrV EZ ~r E gr [aOd ~ H

8 nOr~/AnOr/hVmVaU/nwZ IaoXr

H nZr go~r

9 {dcrZrH aU H nZr E gr E

10 emgH s H Omm g~YmV [aOd ~H

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Am{WH {ejUmMr JaO _w`do XmoZ Jmo>t_wioAmcr.

EH Va d`{ H Am{WH pWVr `mo` ZgUo. AmO H mcMoVU `m`m JaOmda OmV IM H aVmV {edm`Ho{S>Q> H mS>Mm Xwn`moJ Am{U OmoIr_nyUJwVdUwH s.XygaohUOo ZdrZ Am{U JwVmJwVrnyU Aem Am{WH {dH nmMm hmoUmam gma, Aem Am{WH {dH nmZm g_OyZKo`mgmR>r Am{WH Vk cmoH mMr dmT>Vr OmUmar _mJUr. ApWa ~mOma n[apWVr Am{U ~XcV OmUmar H aUmcr `m gdJmo>t_wioAm{WH {ejUmMr JaO ^mgycmJcr Amho.AmVm Va emgH s` ZmoH Xma dJ XoIrc nydmnma MmcV Amco`m `moOZmMm `mJ H Z {Zdmr`m doiog MmJcoAm{WH \ m`XoXoUm`m `moOZmH S>o dicocoAmhoV. `m_wiogodm{ZdmrMr `moOZm ~Z{dUo hohr A V _hdnyU~ZcoAmho.

Am{WH {ejUmMo H mhr \ m`Xo `oWo{Xcoco AmhoV.y EH gwa{jV Am{WH ^{d` ~Z{d`mg _XV {_iVo. Am{WH {ejU ZgUo hUOo EImm `{ Mo qH dm

HwQw>~mMo ~MVrMoc` Ymo`mV oD Z nwT>o `mZm Am{WH MUMUrcm gm_moamo Omdo cmJyeH Vo.y AMmZH CX dUm`m Am{WH JaOmgmR>r AmYrM V`ma amhmVm oVo. Vw_`m Am{WH {Z`moOZmV AmH pH

IMmgmR>r mdYmZ H Z Vwhr Z {XgUm`m IMmgmR>r V`ma amheH Vm.y Oo cmoH Am{WH {ejUmZo gkmZ PmcoAmhoV. Ago cmoH Am{WH CnmXZoKo`mV AmKmS>rda AgVmV.

Oohm H s `mZm `m CnmXZm~c ~aoM doiocm `mo` _m{hVr ZgVo. hUyZ Hw R>`mhr `mdgm{`HMmam`m _mohmV nSy> ZH m.

y H m` m H amd`mMo Amho `mMr OmUrd R>odm. Am{WH ~m~tMo {ejU `q Zm `m`m c`m`m Odi

Zo`mg ghm`H maH R>aVo.y `{ g A{Ve` O~m~Xma VgoM nem {V {eV {` ~ZdVo. AdmVd IM H a`mnmgyZ namdm H aVo

Am{U ~MV-JwVdUwH `m gd`tZm dmT>dVo.y Vwhr ~Ho `m H OUmcr qH dm A` Jmo>t_Yo {X`m OmUm`m H O{df`H {dH nm{V OmV gOJ

hmoVm.y Vwhr Vw_`m Hw Qw>~r`mgmR>r EH MmJcoCXmhaU VwV H aVm AmhmV `mMr OmUrd hmoVo.y nemMo ~YZ Vw_`m A` JwUmMm {dH mg H a`mg _XV H aVo.

go~r ^maVr amoIo Am{U {d{Z gWmE gr E {{ZQr Am H mnmoaoQ> Ao AgAma ~r Am [aOd~H Am B{S>mE Amo E {{ZQr Am mZmgE E gr madS>mH} Q> H {eZ

Am Ama S>r E OrdZ {dm {ZZ d {dH mg m{YH aU

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JwwVdUwH XmamMr gwajmy ^maVr amoIoAm{U {d{Z ~moS > (go~r) mMr WmnZm yimV ^maVr amoIo~mOmamV JwVdUwH Xmamm

{hVmMr gwajm H amm CoemZoPmcr Amho .y go~r gd H maV VtZm qH dm amoIo~mOmamer {ZJS>rV pVZm JwVdUwH Xmamm gwajm X{>H moZmVyZ

{ZX}e Omar H eH VoqH dm ~mOmamm {dH mgmm X{>ZoAmkmn gwm Omar H eH Vo.y go~rZo JwVdUwH XmamMr gwajm d {ejU S> m ZmdmZo EH `moOZmM 2009 `m {Z`mVJV JwVdUwH Xmam`m

gwa{jVVog ~i {imdo`m Co`mZo gw Ho cr.y ej{UH H memioV n[aMMm, {ejU, emoY ~Y d H meZ wdo JwVdUwH Xmamm {hVmgmR>r

Ho co OmVo.

y dVon, BcoQ>m{ZH gmamò`m`m ghm`mZoJwVdUwH XmamgmR>r OmJVr A{^`mZo am~{dcrOmVmV.y ~moS>mH Sy>Z m`Vmm, JwVdUwH oimdo, JwVdUwH XmamgmR>r {ejU d OmJVr H m emim `mZm S>

nwa{dco OmVmV.y ~moS>mH Sy>Z m`Vmm JwVdUwH Xma gWmZm amoIo~mOmamV nOr~ amoIo qH dm Oo nOr~ hmoUma

AmhoV AemH [aVm H m`Xoera ~m~r JwVdUwH XmamMo {hV On`mgmR>r nmh`mMr nadmZJr {Xcr OmVo.

y JwVdUwH Xma gwajm S> mMr WmnZm {d{Z` gWmH Sy>Z Ho`m Jocr Amho. OoUoH Z g`m H n`m{dJwVdUwH Xma Anrc H eH Vrc.

y g^mgX, JwVdUwH Xma mmV {d{Z gWmH Sy>Z gwgdmX gmYmMm Z Hocm OmVmo.

JwVdUwH Xmamm VH ma {ZdmaU nVry go~r d amoIo {d{Z` gWmZr JwVdUwH Xmam`m VH mar cdH amV cdH a {ZH mcr H mT>`mgmR>r VHma{ZdmaU

gWm WmnZ Ho`m AmhoV.y JwVdUwH XmamZm mm VH mar H aVm mmV hUyZ, EH m {d{e> BocMr gwm dWm gd amoIo gWm,

nOr~ Xcmc, Cn Xcmc, Om gWm d nOr~ H nm mZr H amdr Ago {ZX}e go~r H Sy>Z {XmJocoAmhoV.

y amoIo ~mOmamVyZ CX dUmm VHmatMo {ZdmaU H amgmR>r go~rZo{d{e> H mam VH ma{ZdmaU nVtMmAdc~ Hocm Amho .

y go~rm w~B wH mmc Am{U mMo mVr H mmcoOo H s {Xr, MoB, H mocH Vm d AhXm~mXm {R>H mUr AmhoV. VoWoVwhr gd H m {XdgmYo A{YH mmer gai ôQy>Z Amnm VH mar, JmhmUoZm|Xdy eH Vm d m gX^mV mo go qH dm H mdmhrMo mJ mmH Sy>Z OmUy eH Vm. H mhr {d{e>{Xder Vwhr go~rm C A{YH mmZm XoIrc ôQy> eH mc.

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19. _hdnyU do~ gHo V Wio

1. www.sebi.gov.in/

2. www.rbi.org.in/

3. www.amfiindia.com/

4. www.mcx-sx.com

5. www.investor.sebi.gov.in

6. www.nseindia.com

7. www.federalreserve.gov

8. www.bseindia.com

y Am{WH {Z`moOZmMo _hd OmUUo.y dVMr AnmdYr Am{U XrKmdYrMr cògw{ZpMV H aUo.y JwVdUwH `moOZm ~Zdm Am{U `m`m JVrda cj R>odm.y CnmgmR>r JwVdm Am{U dmT>Um`m _hmJmB Xam gmo~V `m CnmMr gmJS> Kmcm.y dV`m JaOm Am{U BN>m `mV ôX H am.y Oa H a \oS>`mZVa Vwhr Vw_`m IMmda {ZÙ R>ody eH V Zgmc Va dV`m amhUr_mZmV ~Xc H am.y Vw_`m gd Cn moVmMo~ YZ H a`mMr moOZm ~Zdm.y Vw_`m JwVdUwH sda n[aUm_ H aUm`m _hmJmB, H a B`mXr Jmo>t~c OmJH amhm.y Vw_`m JwVdUwH sMm gVV nmR>nwamdm H amdm OoUoH Z ~XcV OmUm`m Cnm`m JaOm, Am{WH

~mOmamZwgma ~XcV OmUmao{dH n Am{U `mVyZ m hmoUmao Cn Vwhmcm H em H mao Vw_Mo c` mVH a`mg _XV H aoc Vonhm.

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{Q>nm

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37/4037

{Q>nm

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38/4038

{Q>nm

[email protected]


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^{dmVrc Am{WH {ejU H memim m ImcrcH mamgmR>r CncY AmhoV.1. emioVrc {dmWu2. hm{dmc`rZ {dmWu3. `dJu` Cn JQ>4. A{YH mmgmR>r5. {ZdVr moOZm

6. J{hUtgmR>r7. dXV JQ>

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5. yMwAc S>mV H m H amdod H m Zmhr6. eoAaMr o aIaoXr VgoM amomMr AnOr~Vm7. EH {V JwVdUwH moOZm - H m H amdo d H m Zmhr8. ZdrZ Vm~m Komm gX^mVrc A{Y{Z9. JwVdUwH Xmamm VHmar - Z H go gmoS>dmdoV.

Hnm Amhmcm {chm go~r. : [email protected]

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JwVdUwH mMr VHma go~rH S>o Zm|XdyeH VmV. : https://scores.gov.inJwVdUwH Xma HwR>mhr XVrgmR>r go~rer gnH gmYy eH VmV. : [email protected]

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gnH mgmR>r ^maVmVrc go~rMr H mmcow H mmc

go~r ^dZcmQ> Z. gr4-E Or cmH , ~mm-Hw cm H mcog, ~mm (nyd) w~B-400051.

XadZr H. +91-22-26449000 / 40459000 / 9114 / g H . +91-22-26449016-20/40459016-20B-oc [email protected]

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XadZr +91-11-23724001-05/ g +91-11-23724006B-oc [email protected]

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