vkvks dvkbz&flykbz lh[ka vkj fl[kk,a - barli

1111

vkvks dVkbZ&flykbZ lh[ksa vkSj fl[kk,avkvks dVkbZ&flykbZ lh[ksa vkSj fl[kk,avkvks dVkbZ&flykbZ lh[ksa vkSj fl[kk,avkvks dVkbZ&flykbZ lh[ksa vkSj fl[kk,a

2222


vkvks dVkbZ&flykbZ lh[ksa vkSjvkvks dVkbZ&flykbZ lh[ksa vkSjvkvks dVkbZ&flykbZ lh[ksa vkSjvkvks dVkbZ&flykbZ lh[ksa vkSjfl[kk,afl[kk,afl[kk,afl[kk,a

us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ij vk/us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ij vk/us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ij vk/us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ij vk/kkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrdkkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrdkkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrdkkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrd

¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½

cjyh xzkeh.k efgyk fodkl laLFkkucjyh xzkeh.k efgyk fodkl laLFkkucjyh xzkeh.k efgyk fodkl laLFkkucjyh xzkeh.k efgyk fodkl laLFkku180 Hkeksjh] U;w nsokl jksM+] bankSj 452010 e/;izns’k ¼Hkkjr½180 Hkeksjh] U;w nsokl jksM+] bankSj 452010 e/;izns’k ¼Hkkjr½180 Hkeksjh] U;w nsokl jksM+] bankSj 452010 e/;izns’k ¼Hkkjr½180 Hkeksjh] U;w nsokl jksM+] bankSj 452010 e/;izns’k ¼Hkkjr½

3333


4444


vvvvkvks dVkbZ&flykbZ lh[kaskvks dVkbZ&flykbZ lh[kaskvks dVkbZ&flykbZ lh[kaskvks dVkbZ&flykbZ lh[kasvkSj fl[kk,vkSj fl[kk,vkSj fl[kk,vkSj fl[kk, aa aa

us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ij us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ij us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ij us’kuy baLVhV~;wV vkWQ vksiu Ldwfyax ds ikB~;Øe ijvk/kkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrdvk/kkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrdvk/kkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrdvk/kkfjr dVkbZ&flykbZ dh izf’k{k.k iqLrd

¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½¼lS)kafrd] izk;ksfxd ,oa ijh{kk dh rS;kjh½

izLrqrdrkZizLrqrdrkZizLrqrdrkZizLrqrdrkZ

cjyh xzkeh.k efgyk fodkl laLFkkucjyh xzkeh.k efgyk fodkl laLFkkucjyh xzkeh.k efgyk fodkl laLFkkucjyh xzkeh.k efgyk fodkl laLFkku180] Hkek sjh180] Hkek sjh180] Hkek sjh180] Hkek sjhU;w nsokl jksM+U;w nsokl jksM+U;w nsokl jksM+U;w nsokl jksM+bank Sj 452010bank Sj 452010bank Sj 452010bank Sj 452010e/;izns’k ¼Hkkjr½e/;izns’k ¼Hkkjr½e/;izns’k ¼Hkkjr½e/;izns’k ¼Hkkjr½

Qksu u- $91 731 2554066Qksu u- $91 731 2554066Qksu u- $91 731 2554066Qksu u- $91 731 2554066bZ esy% bZ esy% bZ esy% bZ esy% [email protected]://www.geocities.com/bvirw

izdk’kukf/kdkjizdk’kukf/kdkjizdk’kukf/kdkjizdk’kukf/kdkj © 2007 cjyh xzkeh.k efgyk fodkl laLFkku bankSj] e/;izns’k] Hkkjr2007 cjyh xzkeh.k efgyk fodkl laLFkku bankSj] e/;izns’k] Hkkjr2007 cjyh xzkeh.k efgyk fodkl laLFkku bankSj] e/;izns’k] Hkkjr2007 cjyh xzkeh.k efgyk fodkl laLFkku bankSj] e/;izns’k] Hkkjr

01 vDVwcj 200701 vDVwcj 200701 vDVwcj 200701 vDVwcj 2007

lokZf/kdkj lqjf{krlokZf/kdkj lqjf{krlokZf/kdkj lqjf{krlokZf/kdkj lqjf{krbl dVkbZ vkSj flykbZ izf’k{k.k iqLrd dk dksbZ Hkh va’k fdlh Hkh :i esa iqueqZfnzr ;k #ikarj djus ls iwoZ izdk’kukf/bl dVkbZ vkSj flykbZ izf’k{k.k iqLrd dk dksbZ Hkh va’k fdlh Hkh :i esa iqueqZfnzr ;k #ikarj djus ls iwoZ izdk’kukf/bl dVkbZ vkSj flykbZ izf’k{k.k iqLrd dk dksbZ Hkh va’k fdlh Hkh :i esa iqueqZfnzr ;k #ikarj djus ls iwoZ izdk’kukf/bl dVkbZ vkSj flykbZ izf’k{k.k iqLrd dk dksbZ Hkh va’k fdlh Hkh :i esa iqueqZfnzr ;k #ikarj djus ls iwoZ izdk’kukf/kdkjh dh vuqefr ysuk vfuok;Z gSAkdkjh dh vuqefr ysuk vfuok;Z gSAkdkjh dh vuqefr ysuk vfuok;Z gSAkdkjh dh vuqefr ysuk vfuok;Z gSA

5555


vkHkkjvkHkkjvkHkkjvkHkkj

cjyh xzkeh.k efgyk fodkl laLFkku vius mu lHkh LVkQ dk vkHkkjh gS ftUgksaus ^vkvks dVkbZ&flykbs lh[ksavkSj fl[kk,a** iqLrd ds izdk’ku esa viuh cgqewY; lsok,a nh gSaA bl iqLrd dh fo"k;&oLrq vkSj fl[kkusds rjhds ds ihNs laLFkku ds 23 lkyksa ds lrr~ vuqHko ij vk/kkfjr gSA

lcls iz’kaluh; Hkwfedk dVkbZ&flykbZ dh mu izf’kf{kdkvksa dh gS ftUgksaus vius izf’k{k.k ds nkSjku iwjh laosnu’khyrkls u;s&u;s iz;ksx dj gj fnu ,d l= ds ijh{k.k ds ckn la’kks/ku djus esa bl iqLrd dk fodkl esaegRoiw.kZ ;ksxnku fn;kA ;g mYys[kuh; gS fd laLFkku esa izf’kf{kdk,¡ ogh efgyk,¡ jgh gSa tks ;gka ls izf’kf{krgqbZ gSaA

cjyh laLFkku dh ml Vhe dks fo’ks"k /kU;okn ftlus bl iqLrd dh ;kstuk] lajpuk] leh{kk] fn’kk funZs’ku]’kks/k dk;Z] ewY;kadu o la’kks/ku dj izekf.kr djus esa viuh mRd"B lsok,a nh gSaA

laLFkku ds mu lHkh izf’k{k.kkfFkZ;ksa dk vkHkkj ftUgsa izf’kf{kr djus ds nkSjku bl fo"k; esa lh[kus] fl[kkussds ckn bl iqLrd dh izLrqfr gks ikbZA

bl jpukRed izdk’ku ds fodkl esa dEI;wVj dk;Z] QksVksxzkQh] js[kkadu] QksVks Ldsfuax ,oa QkesZfVax djusokys LVkQ o Lo;alsfodkvksa dh vR;Ur ljkguh; lsokvksa ds fy, fo’ks"k vkHkkjA

mu ys[kdksa] f’k{kkfonksa] vkykspdksa dks lk/kqokn ftUgksaus egÙoiw.kZ lq>ko nsdj cgqewY; ;ksxnku fn;kA dVkbZ&flykbZds fo"k; fo’ks"kK] vuqHkoh Vsyj] QS’ku fMtkbuj rFkk oL= fuekZrkvksa us lS)kafrd o izk;ksfxd tkudkfj;k¡izekf.kr dj iqLrd ds izdk’ku esa lfØ; Hkkxhnkjh fuHkkbZA

/kU;okn mu lHkh dk;ZdrkZvksa dk ftuds dfBu ifjJe ls ;g iqLrd rS;kj dh xbZ gSA

mYys[kuh; gS fd bl dVkbZ&flykbZ izf’k{k.k iqLrd dk izdk’ku dukMk ds jksVjh Dyc vkWQ xzSUM csUMrFkk fczVu ifjokj ds vkfFkZd lg;ksx ls gqvk gSA

6666


fo"k;&lwphfo"k;&lwphfo"k;&lwphfo"k;&lwphvkHkkjvkHkkjvkHkkjvkHkkj ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 1111

fo"k;&lwphfo"k;&lwphfo"k;&lwphfo"k;&lwph ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 2&102&102&102&10

ifjp;ifjp;ifjp;ifjp; ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11&1811&1811&1811&18

Lokxr] izf’k{k.k dk ifjp;] izf’kf{kdk@lg;ksxh ds xq.k] lQy Vsyj ds xq.k vkSj dkS’kyLokxr] izf’k{k.k dk ifjp;] izf’kf{kdk@lg;ksxh ds xq.k] lQy Vsyj ds xq.k vkSj dkS’kyLokxr] izf’k{k.k dk ifjp;] izf’kf{kdk@lg;ksxh ds xq.k] lQy Vsyj ds xq.k vkSj dkS’kyLokxr] izf’k{k.k dk ifjp;] izf’kf{kdk@lg;ksxh ds xq.k] lQy Vsyj ds xq.k vkSj dkS’ky ---------------------------------------------------------------------------- 19&2419&2419&2419&24

laLFkku es cus dVkbZ&flykbZ ds uewus fn[kkuklaLFkku es cus dVkbZ&flykbZ ds uewus fn[kkuklaLFkku es cus dVkbZ&flykbZ ds uewus fn[kkuklaLFkku es cus dVkbZ&flykbZ ds uewus fn[kkuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 25252525

Hkkx ¼d½Hkkx ¼d½Hkkx ¼d½Hkkx ¼d½

lS)kafrdlS)kafrdlS)kafrdlS)kafrd

IkkB ,d % flykbZ e’khu dk ifjp;IkkB ,d % flykbZ e’khu dk ifjp;IkkB ,d % flykbZ e’khu dk ifjp;IkkB ,d % flykbZ e’khu dk ifjp; ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 26&5126&5126&5126&51

l= 1% gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZ e’khu dk ifjp; ----------------------------------------------------- 26&29

l= 2% QS’ku esdj] d<+kbZ ¼,EczkW;Mjh½ LVªhe ykbZV] baVj ykWd vkSj dkj[kkuksa esa dke vkus okyh

flykbZ e’khuksa dk ifjp; ------------------------------------------------------------------------------------------------------------------------------------------------------------- -29&31

l= 3% flykbZ e’khu ds iqtsZ- ------------------------------------------------------------------------------------------------------------------------------------------------------ 31&33

l= 4% flykbZ e’khu ds vkxs ds Hkkx ds iqtksZ ds mi;ksx ------------------------------------------------------------------------------------------------- 33&35

l= 5% flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkx ds iqtksZ ds mi;ksx ------------------------------------------------- 35&40

l= 6% flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsa --------------------------------------------------------------------------------- 41&44

l= 7% flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dk j[kj[kko ---------------------------------------------------------------- -45&48

l= 8% flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik; ------------------------------------------------------------------------------------------- 48&50

l= 9% ikB dk nksgjko -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50

l= 10% ekSf[kd ijh{kk --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 51

IkkB nks % flykbZ esa dke vkus okys vkStkjIkkB nks % flykbZ esa dke vkus okys vkStkjIkkB nks % flykbZ esa dke vkus okys vkStkjIkkB nks % flykbZ esa dke vkus okys vkStkj -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 52&6452&6452&6452&64

l= 11% ukius vkSj MªkWf¶aVx ds vkStkj ------------------------------------------------------------------------------------------------------------------------------------- 52&56

l= 12% dVkbZ o flykbZ ds vkStkj ------------------------------------------------------------------------------------------------------------------------------------------ 56&63

l= 13% ikB dk nksgjko ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- 63

l= 14% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------- 63&64

IkkB rhu % gkFk ds Vk¡dsIkkB rhu % gkFk ds Vk¡dsIkkB rhu % gkFk ds Vk¡dsIkkB rhu % gkFk ds Vk¡ds ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 65&7465&7465&7465&74

l= 15% dPph o iDdh flykbZ ds Vk¡ds ---------------------------------------------------------------------------------------------------------------------------------- 65&68

l= 16% ltkoVh Vk¡ds ------------------------------------------------------------------------------------------------------------------------------------------------------------------- 68&73

l= 17% ikB dk nksgjko ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- 73

7777


l= 18% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------- 73&74

IkkB pkj % dVkbZ vkSj flykbZ esa mi;ksx gksus okys rduhdh ’kCnIkkB pkj % dVkbZ vkSj flykbZ esa mi;ksx gksus okys rduhdh ’kCnIkkB pkj % dVkbZ vkSj flykbZ esa mi;ksx gksus okys rduhdh ’kCnIkkB pkj % dVkbZ vkSj flykbZ esa mi;ksx gksus okys rduhdh ’kCn -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 75&8175&8175&8175&81

l= 19% rduhdh ’kCn Hkkx&1 ---------------------------------------------------------------------------------------------------------------------------------------------------- 75&78

l= 20%%%% rduhdh ’kCn Hkkx&2 ---------------------------------------------------------------------------------------------------------------------------------------------------- 78&80

l= 21% ikB dk nksgjko ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80

l= 22% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80&81

IkkB ik¡p % uki ysukIkkB ik¡p % uki ysukIkkB ik¡p % uki ysukIkkB ik¡p % uki ysuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 82&9282&9282&9282&92

l= 23% uki ysus dk rjhdk o /;ku j[kus okyh ckrsa ------------------------------------------------------------------------------------------------------- 82&86

l= 24% uki ysus dk Øe ------------------------------------------------------------------------------------------------------------------------------------------------------------ 86&91

l= 25% ikB dk nksgjko ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- 91

l= 26% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------- 91&92

IkkB Ng % isij iSVuZ vkSj ys&vkmVIkkB Ng % isij iSVuZ vkSj ys&vkmVIkkB Ng % isij iSVuZ vkSj ys&vkmVIkkB Ng % isij iSVuZ vkSj ys&vkmV ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 93&10493&10493&10493&104

l= 27% MªkW¶V ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 93&95

l= 28% isij iSVuZ -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 96&99

l= 29% ys&vkmV ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 99&102

l= 30% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------102&103

l= 31% fyf[kr ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------103&104

IkkB lkr % diM+s dh flykbZIkkB lkr % diM+s dh flykbZIkkB lkr % diM+s dh flykbZIkkB lkr % diM+s dh flykbZ -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 105&123105&123105&123105&123

l= 32% lhe ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------105&108

Lk= 33% MkVZ ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------108&111

l= 34% VDl vkSj IyhV~l -------------------------------------------------------------------------------------------------------------------------------------------------------112&116

l= 35% cVu gksy vkSj cVu --------------------------------------------------------------------------------------------------------------------------------------------------117&121

l= 36% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 122

l= 37% fyf[kr ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------122&123

IkkB vkB % dVkbZ&flykbZIkkB vkB % dVkbZ&flykbZIkkB vkB % dVkbZ&flykbZIkkB vkB % dVkbZ&flykbZ ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 124&141124&141124&141124&141

l= 38% iêh ¼Qsflax½ vkSj ikbfiax ¼ckbfMax½ ---------------------------------------------------------------------------------------------------------------------124&130

l= 39% ;ksd] feMfj¶V] bykfLVd] ÝkWd dh csYV vkSj dkWyj ----------------------------------------------------------------------------------130&135

l= 40% tsc vkSj vkLrhu ---------------------------------------------------------------------------------------------------------------------------------------------------------135&140

l= 41% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 140

l= 42% fyf[kr ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------140&141

8888


IkkB ukS % diM+s dks izsl o ?kM+h ¼rg½ djukIkkB ukS % diM+s dks izsl o ?kM+h ¼rg½ djukIkkB ukS % diM+s dks izsl o ?kM+h ¼rg½ djukIkkB ukS % diM+s dks izsl o ?kM+h ¼rg½ djuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 142&147142&147142&147142&147

l= 43% izsl djrs le; /;ku j[kus okyh ckrsa ----------------------------------------------------------------------------------------------------------------142&144

l= 44% diM+s dh ?kM+h djds iSd djuk ----------------------------------------------------------------------------------------------------------------------------145&146

l= 45% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 146

l= 46% fyf[kr ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------146&147

IkkB nl % diM+s dk pquko vkSj jaxksa dk feykuIkkB nl % diM+s dk pquko vkSj jaxksa dk feykuIkkB nl % diM+s dk pquko vkSj jaxksa dk feykuIkkB nl % diM+s dk pquko vkSj jaxksa dk feyku ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 148&153148&153148&153148&153

l= 47% diM+s dk pquko -----------------------------------------------------------------------------------------------------------------------------------------------------------148&150

l= 48% jaxksa dk feyku djuk ------------------------------------------------------------------------------------------------------------------------------------------------150&152

l= 49% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 152

l= 50% fyf[kr ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------152&153

IkkB X;kjg % diM+s dk vuqekuIkkB X;kjg % diM+s dk vuqekuIkkB X;kjg % diM+s dk vuqekuIkkB X;kjg % diM+s dk vuqeku ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 154&162154&162154&162154&162

l= 51% diM+s dk vuqeku yxkuk -----------------------------------------------------------------------------------------------------------------------------------------154&155

l= 52% cPpksa o efgykvksa ds diM+ksa dk vuqeku -------------------------------------------------------------------------------------------------------------155&158

l= 53% iq:"kksa ¼tsUV~l½ ds diM+ksa dk vuqeku ------------------------------------------------------------------------------------------------------------------158&160

l= 54% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------160&161

l= 55% fyf[kr ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------ 161&162

IkkB ckjg % ifj/kku ¼Mªsl½ fMtkbfuax o diM+s dh fQfVaxIkkB ckjg % ifj/kku ¼Mªsl½ fMtkbfuax o diM+s dh fQfVaxIkkB ckjg % ifj/kku ¼Mªsl½ fMtkbfuax o diM+s dh fQfVaxIkkB ckjg % ifj/kku ¼Mªsl½ fMtkbfuax o diM+s dh fQfVax ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 163&174163&174163&174163&174

l= 56% Mªsl fMtkbfuax -------------------------------------------------------------------------------------------------------------------------------------------------------------163&169

l= 57% Mªsl fMtkbfuax dh /kkj.kk ----------------------------------------------------------------------------------------------------------------------------------------169&171

l= 58% diM+s dh fQfVax ---------------------------------------------------------------------------------------------------------------------------------------------------------171&172

l= 59% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 173

l= 60% fyf[kr ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------173&174

IkkB rsjg % ckWfMl CykWd cnyko ¼la’kks/ku½ ,oa rkyesy ¼lkeatL;½IkkB rsjg % ckWfMl CykWd cnyko ¼la’kks/ku½ ,oa rkyesy ¼lkeatL;½IkkB rsjg % ckWfMl CykWd cnyko ¼la’kks/ku½ ,oa rkyesy ¼lkeatL;½IkkB rsjg % ckWfMl CykWd cnyko ¼la’kks/ku½ ,oa rkyesy ¼lkeatL;½ -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 175&182175&182175&182175&182

l= 61% ckWfMl CykWd -----------------------------------------------------------------------------------------------------------------------------------------------------------------175&176

l= 62% cnyko ¼la’kks/ku½ ,oa rkyesy ¼lkeatL;½ ---------------------------------------------------------------------------------------------------------176&180

l= 63% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------180&181

l= 64% fyf[kr ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------181&182

IkkB pkSng % Lo;a lgk;rk lewg fodkl dh dqathIkkB pkSng % Lo;a lgk;rk lewg fodkl dh dqathIkkB pkSng % Lo;a lgk;rk lewg fodkl dh dqathIkkB pkSng % Lo;a lgk;rk lewg fodkl dh dqath -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 183&188183&188183&188183&188

l= 65% fodkl dh dqath ----------------------------------------------------------------------------------------------------------------------------------------------------------183&188

9999


Hkkx ¼[k½Hkkx ¼[k½Hkkx ¼[k½Hkkx ¼[k½

izk;k sfxdizk;k sfxdizk;k sfxdizk;k sfxd

IkkB ,d % gkFk ds cqfu;knh Vk¡ds vkSj ltkoVh lkekuIkkB ,d % gkFk ds cqfu;knh Vk¡ds vkSj ltkoVh lkekuIkkB ,d % gkFk ds cqfu;knh Vk¡ds vkSj ltkoVh lkekuIkkB ,d % gkFk ds cqfu;knh Vk¡ds vkSj ltkoVh lkeku ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 189&202189&202189&202189&202

l= 1% leku dPpk o Vs<+k dPpk Vk¡dk cukuk ---------------------------------------------------------------------------------------------------------------189&190

l= 2% ywi o ijlwt Vk¡dk cukuk ----------------------------------------------------------------------------------------------------------------------------------------109&191

l= 3% jtkbZ o cf[k;k Vk¡dk cukuk -------------------------------------------------------------------------------------------------------------------------------------191&192

l= 4% pkEis o rqjikbZ dk Vk¡dk cukuk ----------------------------------------------------------------------------------------------------------------------------------------- 192

l= 5% dEcy o tkyh Vk¡dk cukuk -------------------------------------------------------------------------------------------------------------------------------------192&193

l= 6% eNyh o ijksa dk Vk¡dk cukuk ----------------------------------------------------------------------------------------------------------------------------------193&194

l= 7% MaMh o lkady Vk¡dk cukuk ------------------------------------------------------------------------------------------------------------------------------------------------- 194

l= 8% iksyk o Hkjok Vk¡dk cukuk -----------------------------------------------------------------------------------------------------------------------------------------194&195

l= 9% ØkWl o vkbySV Vk¡dk cukuk ---------------------------------------------------------------------------------------------------------------------------------------------- 195

l= 10% edM+h o xBku Vk¡dk cukuk -----------------------------------------------------------------------------------------------------------------------------------195&196

l= 11% LekWfdax Vk¡dk cukuk -------------------------------------------------------------------------------------------------------------------------------------------------196&197

l= 12% xksVk] cVu o ysl Vk¡duk ---------------------------------------------------------------------------------------------------------------------------------------197&198

l= 13% eksrh] dk¡ap o fVp cVu Vk¡duk ----------------------------------------------------------------------------------------------------------------------------198&199

l= 14% daxwjs] vkbZ] dkt cukuk o gqd Vk¡duk --------------------------------------------------------------------------------------------------------------199&200

l= 15% >kyj] bykWfLVd o psu dks diM+s ij yxkuk -------------------------------------------------------------------------------------------------200&201

l= 16% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 201

l= 17% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 202

ikB nks % e’khu ls diM+s dh flykbZikB nks % e’khu ls diM+s dh flykbZikB nks % e’khu ls diM+s dh flykbZikB nks % e’khu ls diM+s dh flykbZ ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 203&214203&214203&214203&214

l= 18% lknh o dVkonkj flykbZ djokuk ------------------------------------------------------------------------------------------------------------------------203&204

l= 19% Åijh o piVh flykbZ djokuk ------------------------------------------------------------------------------------------------------------------------------204&205

l= 20% xqe o Vsfdax Iysu flykbZ djokuk -----------------------------------------------------------------------------------------------------------------------205&206

l= 21% izsl vksiu o lsYQ ckmaM flykbzZ djokuk ---------------------------------------------------------------------------------------------------------206&207

l= 22% ,d uksd okyh MkVZ cuokuk --------------------------------------------------------------------------------------------------------------------------------------------- 207

l= 23% nks uksd okyh MkVZ cuokuk -------------------------------------------------------------------------------------------------------------------------------------207&208

l= 24% fiu vkSj pkSdksj VDl cuokuk -------------------------------------------------------------------------------------------------------------------------------208&209

l= 25% ØkWl vkSj Mksjh okys VDl cuokuk --------------------------------------------------------------------------------------------------------------------------------- 209

1 01 01 01 0


l= 26% ’kSy vkSj xzstq,fVM VDl cuokuk ------------------------------------------------------------------------------------------------------------------------------------ 210

l= 27% lh/kh vkSj ckDl IyhV cuokuk -------------------------------------------------------------------------------------------------------------------------------210&211

l= 28% buofVZM vkSj ehV IyhV cuokuk --------------------------------------------------------------------------------------------------------------------------211&212

l= 29% ukbZQ vkSj >wBh IyhV cuokuk -------------------------------------------------------------------------------------------------------------------------------212&213

l= 30% Qsflax iêh vkSj ikbfiax cuokuk ------------------------------------------------------------------------------------------------------------------------------------- 213

l= 31% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------213&214

l= 32% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 214

ikB rhu % dVkbZ&flykbZ dh rS;kjhikB rhu % dVkbZ&flykbZ dh rS;kjhikB rhu % dVkbZ&flykbZ dh rS;kjhikB rhu % dVkbZ&flykbZ dh rS;kjh ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 215&222215&222215&222215&222

l= 33% diM+s dh flykbZ djrs le; /;ku j[kus okyh ckrsa --------------------------------------------------------------------------------------215&221

l= 34% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 221

l= 35% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 222

ikB pkj % ?ksj okyk ¼lknk½ isVhdksVikB pkj % ?ksj okyk ¼lknk½ isVhdksVikB pkj % ?ksj okyk ¼lknk½ isVhdksVikB pkj % ?ksj okyk ¼lknk½ isVhdksV -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 223&231223&231223&231223&231

l= 36% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------223&224

l= 37% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------224&226

l= 38% isij ij MªkW¶V vkSj isij iSVuZ cukuk -----------------------------------------------------------------------------------------------------------------226&227

l= 39% ys&vkmV o diM+s dh dfVax djuk --------------------------------------------------------------------------------------------------------------------227&228

l= 40% dPph o iDdh flykbZ djuk -------------------------------------------------------------------------------------------------------------------------------228&229

- l= 41% fQfuf’kax] izsl o ?kM+h djuk ------------------------------------------------------------------------------------------------------------------------------------229&230

l= 42% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------230&231

l= 43% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 231

IkkB ik¡p % Ng dyh dk isVhdksVIkkB ik¡p % Ng dyh dk isVhdksVIkkB ik¡p % Ng dyh dk isVhdksVIkkB ik¡p % Ng dyh dk isVhdksV ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 232&241232&241232&241232&241

l= 44% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------232&233

l= 45% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------233&236

l= 46% isij ij MªkW¶V vkSj isij iSVuZ cukuk --------------------------------------------------------------------------------------------------------------------------- 236


l= 48% dPph o iDdh flykbZ djuk ------------------------------------------------------------------------------------------------------------------------------------------- 238

l= 49% fQfuf’kax] izsl o ?kM+h djuk ---------------------------------------------------------------------------------------------------------------------------------------------- 239

l= 50% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------239&240

l= 51% ekSf[kd ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------------------------240&241

1 11 11 11 1


IkkB Ng % >cykIkkB Ng % >cykIkkB Ng % >cykIkkB Ng % >cyk ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 242&253242&253242&253242&253

l= 52% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------242&243

l= 53% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------243&248



l= 56% dPph o iDdh flykbZ djuk ---------------------------------------------------------------------------------------------------------------------------------250&251

l= 57% fQfuf’kax] izsl o ?kM+h djuk ------------------------------------------------------------------------------------------------------------------------------------251&252

l= 58% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 252

l= 59% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 253

IkkB lkr % lknh ÝkWdIkkB lkr % lknh ÝkWdIkkB lkr % lknh ÝkWdIkkB lkr % lknh ÝkWd -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 254&264254&264254&264254&264

l= 60% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------254&255

l= 61% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------255&259

l= 62% isij ij MªkW¶V vkSj isij iSVuZ cukuk --------------------------------------------------------------------------------------------------------------------------- 260




l= 66% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------263&264

Lk= 67% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 264

IkkB vkB % PkìhIkkB vkB % PkìhIkkB vkB % PkìhIkkB vkB % Pkìh -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 265&272265&272265&272265&272

l= 68% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------265&266

l= 69% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------266&268


l= 71% ys&vkmV o diM+s dfVax djuk ---------------------------------------------------------------------------------------------------------------------------269&270



l= 74% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------271&272

l= 75% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 272

IkkB ukS % VqDdh ¼dVksjh½ okyk CykÅtIkkB ukS % VqDdh ¼dVksjh½ okyk CykÅtIkkB ukS % VqDdh ¼dVksjh½ okyk CykÅtIkkB ukS % VqDdh ¼dVksjh½ okyk CykÅt ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 273&285273&285273&285273&285

l= 76% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------273&274

1 21 21 21 2


l= 77% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------274&280





l= 82% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------284&285

l= 83% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 285

IkkB nl % lknk CykÅtIkkB nl % lknk CykÅtIkkB nl % lknk CykÅtIkkB nl % lknk CykÅt ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 286&297286&297286&297286&297

l= 84% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------286&287

l= 85% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------287&292


l= 87% ys&vkmV o diM+s dh dfVax djuk ------------------------------------------------------------------------------------------------------------------------------ 294



l= 90% ikB dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------------------------------------- 297

l= 91% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 297

IkkB X;kjg % dqjrhIkkB X;kjg % dqjrhIkkB X;kjg % dqjrhIkkB X;kjg % dqjrh -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 298&308298&308298&308298&308

l= 92% uki ysuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------298&298

l= 93% MªkW¶V cukuk ------------------------------------------------------------------------------------------------------------------------------------------------------------------300&304


l= 95% ys&vkmV o diM+s dh dfVax djuk ----------------------------------------------------------------------------------------------------------------- 305&306


l= 97% fQfuf’kax] izsl o ?kM+h djuk ---------------------------------------------------------------------------------------------------------------------------------------------- 307

l= 98% ikB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------------307&308

l= 99% ekSf[kd ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 308

IkkB ckjg % lyokjIkkB ckjg % lyokjIkkB ckjg % lyokjIkkB ckjg % lyokj ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 309&317309&317309&317309&317

l= 100% uki ysuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------------309&310

l= 101% MªkW¶V cukuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------310&313

l= 102% isij ij MªkW¶V vkSj isij iSVuZ cukuk ------------------------------------------------------------------------------------------------------------------------- 313

1 31 31 31 3


l= 103% ys&vkmV o diM+s dh dfVax djuk --------------------------------------------------------------------------------------------------------------------------- 314

l= 104% dPph o iDdh flykbZ djuk --------------------------------------------------------------------------------------------------------------------------------------- 315

l= 105% fQfuf’kax] izsl o ?kM+h djuk ---------------------------------------------------------------------------------------------------------------------------------315&316

l= 106% ikB dk nksgjko ------------------------------------------------------------------------------------------------------------------------------------------------------------------- 316

l= 107% ekSf[kd ijh{kk ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- 317

IkkB rsjg % pwM+hnkj iktkekIkkB rsjg % pwM+hnkj iktkekIkkB rsjg % pwM+hnkj iktkekIkkB rsjg % pwM+hnkj iktkek ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 318&326318&326318&326318&326

l= 108% uki ysuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------------318&319

l= 109% MªkW¶V cukuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------319&322

l= 110% isij ij MªkW¶V vkSj isij iSVuZ cukuk ---------------------------------------------------------------------------------------------------------------322&323

l= 111% ys&vkmV o diM+s dh dfVax djuk --------------------------------------------------------------------------------------------------------------------------- 323

l= 112% dPph o iDdh flykbZ djuk ----------------------------------------------------------------------------------------------------------------------------------------- 324


l= 114% ikB dk nksgjko ------------------------------------------------------------------------------------------------------------------------------------------------------------------- 325

l= 115% ekSf[kd ijh{kk ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- 326

IkkB pkSng % tsUV~l ’kVZIkkB pkSng % tsUV~l ’kVZIkkB pkSng % tsUV~l ’kVZIkkB pkSng % tsUV~l ’kVZ -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 327&339327&339327&339327&339

l= 116% uki ysuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------------327&328

l= 117% MªkW¶V cukuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------328&333

l= 118% isij ij MªkW¶V vkSj isij iSVuZ cukuk ------------------------------------------------------------------------------------------------------------------------- 334

l= 119% ys&vkmV o diM+s dh dfVax djuk -----------------------------------------------------------------------------------------------------------------334&336

l= 120% dPph o iDdh flykbZ djuk -------------------------------------------------------------------------------------------------------------------------------336&337


l= 122% ikB dk nksgjko ----------------------------------------------------------------------------------------------------------------------------------------------------------------- 338

l= 123% ekSf[kd ijh{kk ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- 339

Hkkx ¼x½Hkkx ¼x½Hkkx ¼x½Hkkx ¼x½

ijh{kk dh rS;kjhijh{kk dh rS;kjhijh{kk dh rS;kjhijh{kk dh rS;kjh

l= 1% lewg cukuk ---------------------------------------------------------------------------------------------------------------------------------------------------------------------340&341

l= 2% ikB ,d dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------------------------341&344

l= 3% ikB ,d dh ijh{kk -------------------------------------------------------------------------------------------------------------------------------------------------------344&346

l= 4% ikB nks dk nksgjko -------------------------------------------------------------------------------------------------------------------------------------------------------346&349

1 41 41 41 4


l= 5% ikB nks dh ijh{kk -------------------------------------------------------------------------------------------------------------------------------------------------------------------- 349

l= 6% ikB ,d ls nks dk nksgjko ----------------------------------------------------------------------------------------------------------------------------------------349&351

l= 7% ikB ,d ls nks dh ijh{kk ----------------------------------------------------------------------------------------------------------------------------------------------------- 352

l= 8% ikB ,d ls rhu dk nksgjko -------------------------------------------------------------------------------------------------------------------------------------352&354

l= 9% ikB ,d ls rhu dh ijh{kk -------------------------------------------------------------------------------------------------------------------------------------------------- 354

l= 10% ikB ,d ls pkj dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------354&355

l= 11% ikB ,d ls pkj dh ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------ 355

l= 12% ikB ,d ls ik¡p dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------356&357

l= 13% ikB ,d ls ik¡p dh ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------ 357

l= 14% ikB ,d ls Ng dk nksgjko ---------------------------------------------------------------------------------------------------------------------------------------------- 358

l= 15% ikB ,d ls Ng dh ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------358&359

l= 16% ikB ,d ls lkr dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------359&361

l= 17% ikB ,d ls lkr dh ijh{kk ----------------------------------------------------------------------------------------------------------------------------------------------- 361

l= 18% ikB ,d ls vkB dk nksgjko -----------------------------------------------------------------------------------------------------------------------------------361&362

l= 19% ,d ls vkB ikB dh ijh{kk ----------------------------------------------------------------------------------------------------------------------------------------------- 362

l= 20% ikB ,d ls ukS dk nksgjko --------------------------------------------------------------------------------------------------------------------------------------362&363

l= 21% ikB ,d ls ukS dh ijh{kk --------------------------------------------------------------------------------------------------------------------------------------------------- 364

l= 22% ikB ,d ls nl dk nksgjko ------------------------------------------------------------------------------------------------------------------------------------364&365

l= 23% ikB ,d ls nl dh ijh{kk ------------------------------------------------------------------------------------------------------------------------------------------------ 365

l= 24% ikB ,d ls X;kjg dk nksgjko -------------------------------------------------------------------------------------------------------------------------------365&367

l= 25% ikB ,d ls X;kjg dk ijh{kk -------------------------------------------------------------------------------------------------------------------------------------------- 367

l= 26% ikB ,d ls ckjg dk nksgjko ---------------------------------------------------------------------------------------------------------------------------------367&368

l= 27% ikB ,d ls ckjg dh ijh{kk ---------------------------------------------------------------------------------------------------------------------------------------------- 368

l= 28% ikB ,d ls rsjg dk nksgjko -------------------------------------------------------------------------------------------------------------------------------------------- 369

l= 29% ikB ,d ls rsjg dh ijh{kk ----------------------------------------------------------------------------------------------------------------------------------------------- 370

l= 30% jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku dk isij gy djuk -----------------------------------------------------------------------------370&373

l= 31% jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku dk isij dh ijh{kk -------------------------------------------------------------------------------373&374

l= 32% jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku dk iz’uksa dk rjhdk -----------------------------------------------------------------------------374&385

fp= vkSj lanHkZ dh lwph ---------------------------------------------------------------------------------------------------------------------------------------------------------------------- 386

**********

1 51 51 51 5


cjyh xzkeh.k efgyk fodkl laLFkku % ,d ifjp;cjyh xzkeh.k efgyk fodkl laLFkku % ,d ifjp;cjyh xzkeh.k efgyk fodkl laLFkku % ,d ifjp;cjyh xzkeh.k efgyk fodkl laLFkku % ,d ifjp;cjyh xzkeh.k efgyk fodkl laLFkku dh LFkkiuk jk"Vªªh; cgkbZ vk/;kfRed lHkk] ubZ fnYyh }kjk cgkbZ xzkeh.k efgyk O;kolkf;d izf’k{k.klaLFkku ds uke ls 1985 esa bUnkSj esa dh xbZA 2001 ls e/;izns’k lkslk;Vh vf/kfu;e ds rgr ^^cjyh xzkeh.k efgyk fodkl^^cjyh xzkeh.k efgyk fodkl^^cjyh xzkeh.k efgyk fodkl^^cjyh xzkeh.k efgyk fodkllaLFkku**laLFkku**laLFkku**laLFkku** ds uke ls Lo’kklh Lo;alsoh laLFkk cuhA cjyh* ’kCn dk vFkZ gS ?kj ds Bhd chp] og vk/kkj LrEHk ¼ydM+h dk [kEck½ ftlij iwjk ?kj fVdk jgrk gSA >kcqvk] /kkj ds vkfnoklh leqnk;ksa esa ^cjyh** yM+fd;ksa dk tkuk igpkuk uke gSA bl uke dks nsus dsihNs ;g vo/kkj.kk gS fd efgyk gh lekt dh cjyh* gS ftu ij iwjk lekt fVdk gqvk gSA efgyk l’kDr gksxh rks gh lekt l’kDrgksxkA

laLFkku dk mÌs’;laLFkku dk mÌs’;laLFkku dk mÌs’;laLFkku dk mÌs’;

laLFkku dk eq[; mÌs’; gS xzkeh.k o vkfnoklh efgykvksa dks izf’kf{kr dj mudh {kerkvksa vkSj ;ksX;rkvksa dks mtkxj djuk gS] ftllsos viuk] vius ifjokj] vius xk¡o] vius leqnk; vkSj vius ns’k dk fodkl dj ldsaA vius vk/;kfRed] uSfrd] lkekftd vkSj vkfFkZdthou esa vkxs c<+sa o l’kDr cu ldsaA vius vf/kdkjksa dks igpku ldsa vkSj muesa vf’k{kk] xjhch o va/kfo’okl o chekjh de gks ldsAlaLFkku us bl ckr dks t:jh le>k fd efgykvksa dks muds LokLF; ds izfr tkx:d cukuk cgqr t:jh gSA rkfd mUgsa izf’kf{kr djvius ifjokj o leqnk; esa jgus okyh xHkZOkrh efgykvksa] cPpksa o nw/k fiykus okyh ekrkvksa dh ns[kHkky ,sls dj ik, fd ekrk dh e`R;qnj de gks ldsA ;kuh ejus okyh efgykvksa o NksVs cPpksa dh la[;k de gks ldsA laLFkku esa izf’k{k.k ysus vkbZ cguksa dk O;fDrRofodkl djuk Hkh ,d egÙoiw.kZ mÌs’; gSA ftlls mudk vkRefo’okl c<+ lds] os vius iSjksa ij [kM+s gks ldsA O;fDrRo fodkl oO;kolkf;d izf’k{k.k ls mUgsa viuk lkekftd o vkfFkZd fodkl djus esa enn feyrh gSA blls cgusa vius vUnj ekuoh; laLdkjksao uSfrd usr`Ro ds xq.k fodflr dj vius xk¡o tkdj fodkl ds fy, dke dj ldrh gSaA

izf’k{k.k dk;ZØeizf’k{k.k dk;ZØeizf’k{k.k dk;ZØeizf’k{k.k dk;ZØe

cjyh laLFkku us fiNys 23 o"kksZa esa e/;izns’k ds /kkj] >kcqvk] nsokl] [kjxksu] gjnk [kaMok] Hkksiky ds vfrfjDr NRrhlx<+] fcgkj] mM+hlk]vka/kzizns’k] egkjk"Vª] jktLFkku] mRrjizns’k o ef.kiqj ds xzkeh.k vkfnoklh {ks=ksa ls 450 xk¡oksa ls 4000 efgyk,a izf’k{k.k ys pqdh gSaAizf’k{k.kkfFkZ;ksa dh mez 15 ls 35 o"kZ ds chp dh gksrh gSA

izf’k{k.k dh izkFkfedrk T;knkrj vkfnoklh] vuqlwfpr tkfr] fodykax] fo/kok] ifjR;Dr] lekt }kjk misf{kr] vkfFkZd :i ls ihfM+refgykvksa dks nh tkrh gSA T;knkrj fuj{kj vkSj dqN oks tks Ldwy dh i<+kbZ chp esa NksM+ pqdh gksrh gSa ;g izf’k{k.k nks izdkj ds gSa%

1- vkoklh; izf’k{k.k

2- xSj vkoklh; izf’k{k.k

vkoklh; izf’k{k.kvkoklh; izf’k{k.kvkoklh; izf’k{k.kvkoklh; izf’k{k.k

vkoklh; izf’k{k.k laLFkku ifjlj bUnkSj esa fn, tkrs gSaA ;g izf’k{k.k fu%’kqYd gSaA

1- lkeqnkf;d Lo;a lsfodk & 1- lkeqnkf;d Lo;a lsfodk & 1- lkeqnkf;d Lo;a lsfodk & 1- lkeqnkf;d Lo;a lsfodk & ;g izf’k{k.k dk;ZØe 6 eghus dk gksrk gSA ;g xzkeh.k o vkfnoklh efgykvksa dh t:jr ds vuqlkjcuk;k x;k gSA bl izf’k{k.k esa izf’k{k.kkfFkZ;ksa dks lk{kjrk] LokLF;] O;fDrRo fodkl] ckxokuh o i;kZoj.k ds lkFk O;kolkf;d izf’k{k.ktSls dfVax vkSj Vsyfjax] cqukbZ] CykWd fizafVax] d<+kbZ] fgUnh Vkbfiax vkSj dEI;wVj dk izf’k{k.k fn;k tkrk gSA izf’k{k.kkFkhZ cgusa us’kuyvksiu Ldwy ls flykbZ o dVkbZ dh ijh{kk esa cSBrh gSa tgka ls ikl gksus ij mUgsa us’kuy vksiu Ldwy dk izek.k i= Hkh fn;k tkrkgSA bl izf’k{k.k dk mÌs’; viuk thou] ifjokj ds lnL;ksa ds thou o vius leqnk; dks fodflr djuk gSA bl izf’k{k.k dks ysus dsckn izf’k{k.kkFkhZ cgusa vius&vius xk¡oksa esa tkdj vius vklikl ds yksxksa dks LokLF; f’k{kk] uSfrd f’k{kk] cPPkksa dks vPNh f’k{kk nsuk]tks Hkh curk gS fl[kkrh gSaA

2- lkeqnkf;d izf’kf{kdk izf’k{k.k &2- lkeqnkf;d izf’kf{kdk izf’k{k.k &2- lkeqnkf;d izf’kf{kdk izf’k{k.k &2- lkeqnkf;d izf’kf{kdk izf’k{k.k & ;g izf’k{k.k dk;ZØe ,d o"kZ dk gksrk gSA blesa izf’k{k.kkFkhZ vkBoha ikl ;k blls T;knki<+h&fy[kh gksrh gSaA igys Ng eghus esa os lkeqnkf;d Lo;a lsfodk izf’k{k.k ysrh gSaA nwljs Ng eghus esa og izf’k{k.k nsrh gSaA bl iqLrdesa bu izf’k{k.kkfFkZ;ksa dks lg;ksxh lg;ksxh lg;ksxh lg;ksxh ’kCn mi;ksx fd;k x;k gSA ;s lg;ksxhlg;ksxhlg;ksxhlg;ksxh gh vkxs pydj izf’k{k.k nsus ;ksX; gks tkrs gSaA bu Ng eghuksaesa lk{kjrk] fujh{k.k] lapkj] lHkk vk;kstu] ijke’kZ] cPpksa dh d{kkvksa dk lapkyu] efgyk&iq:"k lekurk] efgyk ds vf/kdkj] O;fDrRofodkl] Vkbfiax o dEI;wVj ij dk;Z djuk lh[krh gSaA tks nloha ikl gksrh gSa os fgUnh@vaxzsth Vkbfiax dh jk"Vªh; eqDr

1 61 61 61 6


fo|ky;h f’k{kk laLFkku dh ijh{kk nsrh gSaA

xSj vkoklh; izf’k{k.kxSj vkoklh; izf’k{k.kxSj vkoklh; izf’k{k.kxSj vkoklh; izf’k{k.k

cjyh xzkeh.k foLrkj dsUnz lu 2004 esa laLFkku ds rhu foLRkkj dsUnzksa dh ’kq:vkr gqbZA ftuesa ;gk¡ ls izf’kf{kr izf’k{k.kkfFkZ;ksa us dkedjuk ’kq: fd;kA vkt os lqnwj vkfnoklh {ks=ksa esa lfØ; gSaA budk lapkyu NRrhlx<+ ds csojrh] eksgiqj o dkadsj esa fd;k tk jgkgSaA ;g foLrkj dsUnz mu efgykvksa ds fy, gSa tks ?kj NksM+dj laLFkku vkdj izf’k{k.k ys ikus esa vleFkZ gSaA ;g izf’k{k.k dk;ZØe rhuekg dk gksrk gSA bu rhu ekg esa esjk viuk vkSj vius leqnk; dk fodkl] LokLF; f’k{kk o dVkbZ&flykbZ vkfn dk izf’k{k.k fn;ktkrk gSA gj jkst ik¡p ?kaVs dk izf’k{k.k gksrk gSA bl izf’k{k.k ds ckn mUgsa laLFkku ls izek.ki= fn;k tkrk gSA izf’k{k.k esa ’kkfey efgykvksadks izf’k{k.k esa izkIRk Kku dks vius lgsyh] iM+ksl o ifjokj ds lkFk ckaVus ds fy, izksRlkfgr fd;k tkrk gS rkfd mudk ifjokj o leqnk;muds izf’k{k.k dk ykHk ys ldsaA mUgsa ;g le>k;k tkrk gS fd vxj os izf’k{k.k ls Lo;a dks l’kDr dj ysxh rks os vius ifjokj dksl’kDr djus vkSj lekt ds l’kfDrdj.k esa viuk ;ksxnku ns ldrh gSaA

laLFkku ds vU; izf’k{k.k dk;ZØelaLFkku ds vU; izf’k{k.k dk;ZØelaLFkku ds vU; izf’k{k.k dk;ZØelaLFkku ds vU; izf’k{k.k dk;ZØe

ekrk&firk dh cSBd& ekrk&firk dh cSBd& ekrk&firk dh cSBd& ekrk&firk dh cSBd& lkeqnkf;d Lo;a lsfodk izf’k{k.k esa vkbZ izf’k{k.kkfFkZ;ksa ds ekrk&firk ds fy, laLFkku esa cSBd vk;ksftr dhtkrh gSA bl cSBd ls os ;g tkurs gS fd mudh csVh izf’k{k.k esa D;k lh[krh gS\ dSls lh[krh gS\ mUgsa fl[kkus okys yksx dkSu gS\muds fl[kkus dk rjhdk D;k gSa\ og dgka jgrh gS\ D;k [kkrh gSa vkfnA ftlls leqnk; ds vU; yksxksa dks laLFkku ds ckjs esa tkudkjhfeyrh gSA ;gh ekrk&firk tc okil xk¡o tkrs gSa rFkk nwljksa dks laLFkku ds izf’k{k.k ds ckjs esa crkrs gSa rks nwljs yksx Hkh viuh cgw&csVh dks laLFkku esa izf’k{k.k ds fy, Hkst ikrs gSaaA

lkSj ÅtkZ dk mi;ksx ij izf’k{k.k&lkSj ÅtkZ dk mi;ksx ij izf’k{k.k&lkSj ÅtkZ dk mi;ksx ij izf’k{k.k&lkSj ÅtkZ dk mi;ksx ij izf’k{k.k& laLFkku eas izf’k{k.k ysus vkbZ lHkh izf’k{k.kkfFkZ;ksa dks lkSj ÅtkZ dk mi;ksx dj [kkuk cukusdk izf’k{k.k fn;k tkrk gSA bl izf’k{k.k gsrq laLFkku esa ,d cM+s lksyj fdpu esa rhu cM+s] ,d e/;e vkdkj dk vkSj 6 NksVs dqdjyxk, x, gSaA ftlls gj eghus esa 900 fdyks ydM+h o 90 xSl flys.Mjksa dh cpr gksrh gSA izf’k{k.k ds ckn vxj dksbZ izf’k{k.kkFkhZvius ?kj lksyj dqdj ys tkuk pkgrh gS rc laLFkku ml efgyk dks 10 fnu dk izf’k{k.k nsrk gSA ftlesa lksyj dqdj dks vlsEcydjuk] mldk j[kj[kko rFkk mldk mi;ksx djuk fl[kk;k tkrk gSA blds vykok lksyj dqdj }kjk diM+ksa ij iszl djuk] jaxkbZ&NikbZds fy, dke esa vkus okyh ekse dks xeZ djuk] lksyj ghVj ls ikuh xeZ djuk ,oa lksyj Mªk;j ls lfCt;k¡ lq[kkuk vkfn dk izf’k{k.kfn;k tkrk gS vkSj mi;ksx djuk fl[kk;k tkrk gSA

Lo;a lgk;rk lewg dk izf’k{k.k& Lo;a lgk;rk lewg dk izf’k{k.k& Lo;a lgk;rk lewg dk izf’k{k.k& Lo;a lgk;rk lewg dk izf’k{k.k& LkaLFkku esa Lo;a lgk;rk lewgksa ds inkf/kdkfj;ksa dks izf’k{k.k fn;k tkrk gSaA blesa lksyj dqdjdk mi;ksx [kk| inkFkZ cukus ds fy, djuk o lks;kchu dk mi;ksx dj vyx&vyx rjg ds [kkus dk lkeku tSls feBkbZ] uedhuinkFkZ cukuk vkSj cspuk vkfnA lewg ds lQy lapkyu ij fo’ks"k /;ku fn;k tkrk gSA

ikB~;ØeikB~;ØeikB~;ØeikB~;Øe

laLFkku esa uhps fy[ks fo"k;ksa ij ikB~;Øe fodflr fd, x, gSaA

lk{kjrk &lk{kjrk &lk{kjrk &lk{kjrk & lk{kjrk ds fcuk l’kfDrdj.k laHko ugha gSA blfy, laLFkku esa lk{kjrk ds varxZr i<+uk&fy[kuk fl[kk;k tkrk gSA izf’k{k.kdh ’kq:vkr esa T;knkrj izf’k{k.kkFkhZ fuj{kj ;k v)Zlk{kj gksrs gSaA Ng ekg ds izf’k{k.k esa os iqLrd i<+uk] i=] lans’k] lwpuk] fpUg rFkkljy xf.kr] otu] Hkkj] uki o le; lh[krh gSaA

LokLF; f’k{kk &LokLF; f’k{kk &LokLF; f’k{kk &LokLF; f’k{kk & LokLF; iqLrd esa LoLFk ikjaifjd jhfrfjoktksa dks c<+kok fn;k gSA xyr vkSj uqdlkunk;d ekU;rkvksa dks de djusdh dksf’k’k dh gSA izf’k{k.kkFkhZ Lo;a dh] ?kj dh rFkk leqnk; ds lkQ&lQkbZ ds ckjs esa lh[krh gSA lkekU; chekfj;ka vkSj jksdFkke] iks"k.k]ihus dk ikuh] LoLFk thou ds ckjs esa Kku ikrh gSaA xHkZorh efgyk dh ns[kHkky] lqjf{kr izlo] izlo ckn efgyk dh ns[kHkky] cPpksadk Vhdkdj.k] cPpksa ds tUe esa varj] cPpksa dk ikyu&iks"k.k] fd’kksjkoLFkk] fyax tkx:drk] tUe&e`R;q dk iathdj.k vkfn fo"k;ksadks lh[krh gSaA

esjk viuk vkSj vius leqnk; dk fodkl & esjk viuk vkSj vius leqnk; dk fodkl & esjk viuk vkSj vius leqnk; dk fodkl & esjk viuk vkSj vius leqnk; dk fodkl & bl izf’k{k.k esa viuk vkSj vius leqnk; dk fodkl] lekt esa ;ksxnku nsus dsfy, efgyk dks Kku] vuqHko] {kerk rFkk vkRefo’okl o vkRelEeku dk fodkl djuk t:jh gSA bl izf’k{k.k esa izf’k{k.kkFkhZ lHkh ekuoh;ewY; o laLdkjoku cuuk lh[krh gSaA vkRefo’okl] ;ksX;rk] ijke’kZ ls fu.kZ; ysuk] igy djuk] usr`Ro djuk] L=h&iq:"k lekurk]efgykvksa ds vf/kdkj o dkuwu vkfn fodkl ds fy, xfrfof/k;k¡ djokbZ tkrh gSaA

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i;kZoj.k laj{k.k &i;kZoj.k laj{k.k &i;kZoj.k laj{k.k &i;kZoj.k laj{k.k & T;knkrj efgyk,a ,sls ifjokjksa ls gksrh gSa ftuds ?kj esa [ksrh dk dk;Z gksrk gSA bl izf’k{k.k ds ek/;e lsizf’k{k.kkfFkZ;ksa ls [ksrh djus ds u,&u, vklku rjhds fl[kk, tkrs gSa % tSls lCth yxkuk] ikuh dk lgh mi;ksx] dsapq, ls [kkn cukuk]lkSj ÅtkZ dk mi;ksx] lksyj dqdj ls [kkuk cukuk] dpjs dk fuiVkjk vkfn ij izf’k{k.k fn;k tkrk gSA ;gk¡ ij jÌh isij o [ksr dsckjhd dpjs vkSj lw[ks iÙks ls /kq¡vkjfgr daMksa dk fuekZ.k fd;k tkrk gSA fueZy xzke ;kstuk ds varxZr laLFkku esa efgykvksa us jktfeL=hdk izf’k{k.k fy;k vkSj os vc vius xk¡oksa esa ’kkSpky; cuk jgh gSaA

O;kolkf;d dkS’ky &O;kolkf;d dkS’ky &O;kolkf;d dkS’ky &O;kolkf;d dkS’ky & bl izf’k{k.k esa dVkbZ&flykbZ] d<+kbZ] diM+s dh jaxkbZ] NikbZ] Vkbfiax] dEI;wVj ij fgUnh@vaxzsth dh Vkbfiaxlh[kuk vkSj lksyj dqdj dk mi;ksx djuk fl[kk;k tkrk gSA dVkbZ&flykbZ esa lHkh cgusa T;knk mRlqd gksrh gSa ;g fo"k; laLFkkudk izeq[k vkd"kZ.k Hkh gSA fgUnh o vaxzsth Vkbfiax esa tks izf’k{k.kkFkhZ 10oha ikl gksrh gSa os Vkbfiax o dEI;wVj lh[kdj ijh{kk nsdj izek.ki= gkfly djrh gSaA diM+s dh jaxkbZ] NikbZ esa cgusa diM+s jaxuk] fMtkbu cukuk lh[krh gSa vkSj viuh dyk dkS’ky dk fodkl djrhgSaA

cjyh laLFkku esa dVkbZ&flykbZ ikB~;Øe] izf’k{k.k dk eq[; vax jgk gSA bl izf’k{k.k ls xzkeh.k vkSj vkfnoklh efgykvksa dks vkfFkZdvkRefuHkZjrk feyrh gSA ftlls os vius ifjokj vkSj leqnk; dk fodkl dj ldrh gSA tc efgyk viuh vk; dks c<+krh gS rks mldsvk; dk T;knkrj Hkkx dk Qk;nk ml ifjokj dks gh gksrk gSA ftldk izHkko mlds Lo;a] ifjokj o iwjs lekt ij iM+rk gSA laLFkkuesa vHkh rd ftu efgykvksa us izf’k{k.k fy;k gSA muesa ls T;knkrj efgyk,a dVkbZ&flykbZ dk dke djrh gSaA buesa ls dqN ,sls mnkgj.kgSa ftuds fy, izf’k{k.k gh lgkjk cu x;k gSA

>kcqvk ftys dh vks>M+ xk¡o dh ?khpyh lfLr;k ftldh ’kknh mejkyh esa gqbZ FkhA mlus laLFkku ls izf’k{k.k fy;k vius ifr dks HkhflykbZ djuk fl[kk;kA vpkud mlds ifr T;knk chekj gks x, vkSj blh chekjh ds dkj.k mudh e`R;q gks xbZA blds ckn ?khpyhdks mlds llqjky okyksa us ?kj ls fudky fn;kA mlds ikl ,d iqjkuh flykbZ e’khu Fkh ftl ij mlus flykbZ dk dke ’kq: vkSjmldh vk; ls vius cPpksa dk ikyu dj jgh gS o x`gLFkh pyk jgh gSA vkt og vdsys gksrs gq, Hkh vlgk; ;k fdlh ij fuHkZj ughagSA yksxksa dks og dgrh gS fd ^esjk ifr pyk x;k] llqjky okyksa us fudky fn;k ysfdu esjh dVkbZ&flykbZ dk izf’k{k.k esjs lkFkgSA**

lk{kjrk ls flykbZ rdlk{kjrk ls flykbZ rdlk{kjrk ls flykbZ rdlk{kjrk ls flykbZ rd

laLFkku esa izFke rhu ekg dk lk{kjrk dk ikB~;Øe i<+k;k tkrk gSA ftleasa dVkbZ&flykbZ ls lacaf/kr ’kCnksa dks ’kkfey fd;k x;k gSAblls mUgsas mu rduhdh o flykbZ ls lacaf/kr tkudkjh dks ;kn j[kus esa lqfo/kk gksrh gSA flykbZ ikB~;Øe efgykvksa esa lk{kjrk dsizfr #fp dks vkSj c<+krk gS tks gj balku ds fodkl ds fy, t:jh gSA uhps fy[kk okD; efgykvksa ds fodkl esa f’k{kk ds egRo dksLi"V djrk gSs ----- mUgsa gj rjg ls yM+fd;ksa ds izf’k{k.k esa layXu gks tkuk pkfg,] mUgsa Kku dh f’k{kk nsuk] ln~O;ogkj] lgh thou;kiu] lqUnj pfj= fuekZ.k] ’kq)rk] ,dfu"Bk] v/kZ O;olk;] n<+rk] ?kj dh O;oLFkk] cPpksa dh f’k{kk vkSj yM+fd;ksa dks vko’;drkuqlkjtks Hkh t:jh gks] og lc dqN efgyk dks nsuk gSA

laLFkku esa izf’k{k.k nsus dk rjhdklaLFkku esa izf’k{k.k nsus dk rjhdklaLFkku esa izf’k{k.k nsus dk rjhdklaLFkku esa izf’k{k.k nsus dk rjhdk

ifjp;ifjp;ifjp;ifjp;

dVkbZ&flykbZ ikB~;Øe dk gj l= vkSj Áf’k{k.k dk rjhdk laLFkku esaa yxkrkj Á;ksx] ijh{k.k vkSj la’kks/ku djrs gq, fodflr fd;kx;k gSA bl iwjh ÁfØ;k esa Áf’k{k.kkfFkZ;ksa dh le>] mudh laLÑfr vkSj vko’;drkvksa dk [kklrkSj ls /;ku j[kk x;k gSA Á;kl fd;kx;k gS fd ;g ikB~;Øe flQZ Kku dk gh ugha cfYd iszj.kk lzksr cusA blls uSfrd ewY;ksa dk fodkl gksrk gS vkSj vareZu dh ’kfDr,oa ÅtkZ dks ubZ fn’kk feyrh gSA U;k;fiz; vkSj fodkl’khy cus jgus ds fy, O;fDr fo’ks"k o lkekftd laLFkkuksa esa ekSfyd {kerk dksc<+kuk vko’;d gSA

izf’k{k.k ds nkSjku tks i<+k;k vkSj fl[kk;k tkrk gS] mls laLFkku esa jgdj O;ogkj esa Hkh yk;k tkrk gSA T;knkrj ikBksa esa iz’u vkSjmÙkj] uewus] ppkZ vkSj O;kogkfjd mnkgj.k fn, x, gSa ftlls dfBu fo"k;ksa dks Hkh vklkuh ls le>k tk ldsA

pwafd vf/kdrj efgyk,a fuj{kj] uolk{kj ;k Ldwy NksM+ pqdh gksrh gSa] blfy, bl Áf’k{k.k iqLrd dks ljy Hkk"kk esaa cuk;k x;k gSAbl ikB~;Øe esa cksypky dh Hkk"kk dk mi;ksx fd;k x;k gSA t:jr ds vuqlkj rduhdh ’kCnksa dk mi;ksx fd;k x;k gSA bl ikB~;Øedks bl rjg ls cuk;k gS fd Áf’k{k.k dsoy Áf’kf{kdk ;k lg;ksxh ij gh dsafnzr ugha jgs ;kuh flQZ i<+kus okys gh cksyrs u jgsa cfYdÁf’k{k.kkFkhZ Hkh iwjh rjg ls Hkkx ysrs jgsaA gj Áf’k{k.kkFkhZ dh lfØ; Hkkxhnkjh ij tksj fn;k x;k gSA

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gj l= dk ifjp; laLFkku dh Áf’kf{kdk nsrh gSA ifjp; esa Áf’kf{kdk fiNys l= dk nksgjko Hkh djokrh gSa vkSj crkrh gSas fd bl l=esa dkSu ls fo"k; dh tkudkjh feysxh vkSj D;k&D;k lh[ksaxs\ ftu izf’k{k.kkfFkZ;ksa dks i<+us] fy[kus vkSj le>us esa dfBukbZ gksrh gSmu ij [kkl /;ku o T;knk le; fn;k tkrk gSA

lewg esa lh[kuk&fl[kkuk %lewg esa lh[kuk&fl[kkuk %lewg esa lh[kuk&fl[kkuk %lewg esa lh[kuk&fl[kkuk % laLFkku dh lHkh izf’k{k.kkFkhZ cguksa dks vkB&nl lewgksa esa ckaV fn;k tkrk gSA tks cgusa ,d lky dk{ks=h; Lo;a lsfodk dk izf’k{k.k ysus vkrh gSa mUgsa gj lewg dh lgk;d izf’kf{kdk cuk;k tkrk gSA os vius lewg dh cguksa dks LokLF;]vk/;kfRed] flykbZ dk izf’k{k.k nsus esa izf’kf{kdk dh lgk;rk djrh gSaA laLFkku dh izf’kf{kdk bUgsa ,d fnu igys] vxys fnu izf’k{k.kkfFkZ;ksadks i<+kus dk izf’k{k.k nsrh gSa vkSj fQj vxys fnu lgk;d izf’kf{kdk,a vius&vius lewgksa dks mUgha fo"k;ksa ij i<+krh gSaA bl le;izf’kf{kdk,a ogha jgrh gSa ftlls vxj lgk;d izf’kf{kdkvksa dks dksbZ dfBukbZ gksrh gS rks os gy dj nsrh gSa vkSj vxj os dqN i<+kukHkwy tk,a rks izf’kf{kdk,a crkrh gSa vkSj vxj fdlh ds lewg ds lnL;ksa dks dqN le> esa ugha vk jgk gks rks os le>krh gSaA bl rjgls mUgsa izf’k{k.k nsus dk vuqHko gksrk gS vkSj izf’k{k.kkFkhZ muls viuh leL;kvksa dks vPNh rjg ls le>rs gSaA lewg esa c<+dj fgLlkysrs gSaA os lgk;d izf’kf{kdkvksa ds lkeus [kqydj ckr djrs gSa D;ksafd os muds lkFk gh jgrh gSaA bldk ,d dkj.k lewg dk vkdkjNksVk gksuk Hkh gSA ftlls izR;sd izf’k{k.kkFkhZ ij fo’ks"k /;ku j[kk tkrk gSA

;s lewg iwjs Ng eghus rd jgrk gSA ,slk djus ls muesa Lo;a lsok dh Hkkouk dk fodkl gksrk gS vkSj mUgsa vius xk¡o esa tkdj vkSjksadks Hkh izf’kf{kr djus ;ksX; dk O;kogkfjsd izf’k{k.k fn;k tkrk gSA bl rjg ls muesa vkRefo’okl c<+rk gS] os vius ifjokj] vkl&iM+kslo xk¡o ds fodkl ds fy, dke djrh gSa vkSj mUgsa xk¡o o lekt esa viuh igpku cukus dk ekSdk feyrk gSA

dVkbZ&flykbZ dk ikB~;ØedVkbZ&flykbZ dk ikB~;ØedVkbZ&flykbZ dk ikB~;ØedVkbZ&flykbZ dk ikB~;Øe

dVkbZ&flykbZ iqLrd dk fodkldVkbZ&flykbZ iqLrd dk fodkldVkbZ&flykbZ iqLrd dk fodkldVkbZ&flykbZ iqLrd dk fodkl

dVkbZ&flykbZ dk izf’k{k.k ges’kk efgykvksas ds fy, ,d egRoiw.kZ fo"k; jgk gSA bls ,d vklku o lqjf{kr jkstxkj ekuk x;k gSA

dVkbZ&flykbZ laLFkku ds izf’k{k.k dk;ZØeksa dk ,d vfHkUu vax gSA ;gk¡ dh izf’k{k.k i)fr vkSj ikB~;Øe cgkbZ* n’kZu ls iszfjr gSA

^^rqeesa ls izR;sd ds fy, ;g vko’;d gS fd fdlh O;olk; ;k is’ks esa Lo;a dks yxkvks] tSls f’kYi ;k O;kikjA,sls fdlh dk;Z esa rqEgkjs O;Lr gksus dks bZ’oj dh mikluk dk ntkZ fn;k gSA**

i<+kus ds eq[; rjhdksa esa lgHkkfxrk] lh[kuk&fl[kkuk vkSj ge&mezz f’k{k.k iz.kkyh ’kkfey gSaA laLFkku dk iszj.kkRed okrkoj.k lh[kusdks vkSj Hkh lgt rFkk vklku cuk nsrk gSA bl izf’k{k.k ls izf’k{k.kkfFkZ;ksa esaa lkekftd&vkfFkZd ifjorZu dk;ZdrkZ* ds :i esaa lsok nsusdh {kerkvksa dk fodkl gksrk gSA

bl fo"k; ij iqLrd rks vusdksa gSa ijarq xzkeh.k o vkfnoklh {ks=ksa dh efgyk,a ftUgsa dHkh Ldwy tkus dk volj gh ugha feyk ;k fdlhetcwjh ds dkj.k i<+kbZ NksM+uh iM+h] buds fy, ,slh dksbZ Hkh iqLrd miyC/k ugha Fkh tks fd dVkbZ&flykbZ lh[kus ds fy, ljy Hkk"kkesa] ns[kdj] lqudj] le>dj jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku] ubZ fnYyh dh ijh{kk ns ikrhaA

jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku }kjk ^dVkbZ&flykbZ ,oa iks"kkd fuekZ.k** ij iqLrd izdkf’kr gS] tks fd cktkj esa vklkuh ls miyC/k ugha gksrh gSA ;g nks ekM~;wy ij vk/kkfjr gSA bldk mi;ksx tks yMf+d;ka de ls de vkBoha ikl gks og dj ldrh gSaA bu ekM~;wyksaesa T;knkrj rduhdh o O;kogkfjd Hkk"kk vaxzsth esa gS tks fd xk¡o dh mu yM+fd;ksa ;k efgykvksa us u lquh Fkh vkSj u gh i<+h gSAblfy, os bls viuk ugha ikbZA bu dkj.kksa ls bu efgykvksa dks izf’k{k.k nsuk cgqr dfBu FkkA

{ks=h; ifjfLFkfr;ksa o le; dh ekax] bldks iwjk djus ds fy, cjyh laLFkku us ^vkvks dVkbZ&flykbZ lh[ksa o fl[kk,a** uked iqLrd23 lkyksa ds lrr~ iz;ksx] vuqHko] ’kks/k ds ckn rS;kj dh gSA

ikB~;Øe ds mÌs’;ikB~;Øe ds mÌs’;ikB~;Øe ds mÌs’;ikB~;Øe ds mÌs’;

bl ikB~;Øe ds mÌs’; bl izdkj gSaA

•••• xzkeh.k o vkfnoklh efgyk,a izf’k{k.k esa dVkbZ flykbZ lh[kdj jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku ¼us’kuy vksiu Ldwy½dh ijh{kk nsus ;ksX; gks tkrh gSaA

•••• ijh{kk esa mÙkh.kZ izf’k{k.kkfFkZ;ksa dks jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku }kjk izkIr izek.ki= feyrk gS ftldk mi;ksx os xSjljdkjh laLFkkvksa esa dke djus rFkk Lo;a dk jkstxkj pykus ds fy, cSad ls _.k ys ldrh gSA

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•••• dq’ky nLrdkj o lQy O;olk;h cu ldsaA

•••• izf’k{k.k ds ek/;e ls mUgsa bl rjhds ls l’kDr djuk fd os Lo;a o vius ifjokj rFkk leqnk; ds fodkl esa ;ksxnku ns

ldsaA

ikB~;Øe dh lajpukikB~;Øe dh lajpukikB~;Øe dh lajpukikB~;Øe dh lajpuk

Áf’k{k.k ds igys fnu Lokxr ,oa laLFkku dk ifjp;] izf’kf{kdk@ lg;ksxh ds xq.k@lQy Vsyj ds xq.k dk l= gksrk gSA bl l=esa izf’k{k.kkfFkZ;ksa dk laLFkku esa Lokxr fd;k tkrk gS vkSj mUgsa laLFkku vkSj ikB~;Øe dk ifjp; fn;k tkrk gSA blds ckn gh ikB~;Øedk igyk ikB ’kq: gksrk gSA

gj ikB esa dbZ l= gksrs gSaA l= esa l= ;kstuk nh xbZ ftlesa D;k i<+k;k tk,xk vkSj dSls i<+k;k tk,xk mlds fn’kk&funsZ’k fn,x, gSaA gj fnu nks l= iwjk fd;k tkrk gS vkSj gj l= esa dqN pj.k fn, x, gSaA

ikB dks ’kq: djus ls igys izf’kf{kdk ikB ds ifjp; vkSj mís’; ij ppkZ djrh gSA mís’; os ekinaM gksrs gSa ftuls ;g irk pyrkgS fd izf’k{k.kkfFkZ;ksa dks ikB ds var rd fdl ;ksX; gks tkuk pkfg,A blls izf’k{k.kkfFkZ;ksa ds lkFk&lkFk izf’kf{kdk dks Hkh enn feyrhgSA buls oks ikB ds var esa izf’k{k.kkfFkZ;ksa rFkk lg;ksfx;ks dk ewY;kadu dj ikrh gS vkSj tku ikrh gS fd ikB ds ’kq:vkr esa geus tksmís’; cuk, Fks] oks iwjs gq, gSa ;k ughaA l= dh ’kq:vkr esa l= dk ifjp; vkSj var esa l= dk lekiu izf’kf{kdk djrh gSA

;g ikB~;Øe vU; ikB~;Øeksa ls vyx gSA bl ikB~;Øe dks fuj{kj o v)Zlk{kj efgykvksa dks /;ku esa j[kdj cuk;k x;k gSA iqLrdesa lcls igys flykbZ e’khu dk ifjp; djokrs gSaA bap Vsi ds mi;ksx ds lkFk gh bap vkSj lsaVhehVj esas varj le>k;k tkrk gSA

efgyk,a Lo;a dVkbZ&flykbZ djuk lh[krh gSa] lcls igys mUgsa lk{kj fd;k tkrk gS] ftlls os iqLrd dks i<+dj o le>dj nwljksadks le>k ldsa vkSj flykbZ lh[k ldsaA

iqLrd dh fo’ks"krk,aiqLrd dh fo’ks"krk,aiqLrd dh fo’ks"krk,aiqLrd dh fo’ks"krk,a

cjyh xzkeh.k fodkl laLFkku dh iqLrd ^vkvks dVkbZ&flykbZ lh[ksa vkSj fl[kk,a** esa fuEufyf[kr fo’ks"krk,a gSaA

•••• izf’k{k.kkFkhZ dks igys i<+uk&fy[kuk o cksyuk fl[kk;k tkrk gSA

•••• ;g iqLrd ^jk"Vªh; eqDr fo|ky;* ds ikB~;Øe dks /;ku esa j[kdj cukbZ xbZ gSA

•••• iqLrd dks i<+dj o fp=ksa dks ns[kdj dVkbZ&flykbZ vklkuh ls lh[krs gSaA

•••• cksypky dh] Hkk"kk] ljy vkSj vklku gSA LFkkuh; fgUnh o vaxzsth Hkk"kk ds ’kCnksas dk iz;ksx ljy gS ftlls fo"k; dks le>usesa vklkuh gksrh gSA dqN ’kCn vaxzsth esa T;knk izpfyr gSa blfy, nksuksa Hkk"kkvksa ds ’kCn lkFk&lkFk fn, gSaA

•••• vuqHko ds vk/kkj ij vyx&vyx l=ksa esa fdruk le; ,d diM+s dh dVkbZ&flykbZ dks lh[kus esa yx jgk gS bldks Hkh fy[kkx;k gS ftlls og Hkh vius le; esa lh[k ysA

•••• iqLrd ds rhu Hkkx gSa %& lS)kafrd] izk;ksfxd o ijh{kk dh rS;kjh A lS)kafrd iqLrd ls i<+dj] izk;ksfxd iqLrd ls iz;ksx djrsgSa vkSj var esa ijh{kk dh rS;kjh djrs gSaA

•••• izR;sd l= esa ,d gh fo"k; ds Hkkx dks iwjk fd;k x;k gS ftlls pj.kc) rjhds ls gh izf’k{k.kkFkhZ vkxs c<+saA

•••• dVkbZ&flykbZ ds izR;sd pj.k dks pj.kc) rjhds ls ,slh Hkk"kk esa le>k;k x;k gS tSls dksbZ dj jgk gksA

•••• LFkkuh; yksxksa ij gh uki ysuk fn[kk;k x;k gS] ftlls lthork o viukiu vf/kd gSA

•••• e’khu dh tkudkjh o mlds izR;sd iqtsZ dk fp=.k bruk ltho gS fd ns[kdj gh e’khu ds iqtksZa dks le> ldrs gSa o vko’;drkgksus ij lq/kkjk Hkh tk ldrk gSA

•••• dVkbZ&flykbZ ls lacaf/kr izR;sd rduhd dks Li"V fd;k x;k gSA

•••• diM+s ds pquko ls ysdj dVkbZ] flykbZ] fQfuf’kax o izsl rd dh lHkh tkudkjh foLrkj ls o ljy rjhds ls le>kbZ xbZ gSrkfd diM+k lgh vkSj cf<+;k cu ldsA

•••• diM+k flyus ds ckn d<+kbZ] cVu vkfn ls diM+ksa dks vkd"kZd cukus dh Hkh tkudkjh gSA

•••• iqLrd esa dke lh[kus ds ckn nksgjko Hkh djok;k x;k gS ftlls izf’k{k.kkFkhZ iDdk lh[k tk,aA

2 02 02 02 0


•••• iqLrd esa ekSf[kd o fyf[kr ijh{kk ds iz’u fn, x, gSa ftUgsa i<+dj izf’k{k.kkFkhZ ;k lh[kus okyk viuh lQyrk dk vuqeku Lo;adj ldrk gS fd og fdruk lh[kk gS vkSj fdruk Hkwy x;k] dgka vkSj lh[kus dh vko’;drk gSA

•••• fdlh fo"k; ;k ikB dks ’kq: djus ls igys gh izf’k{k.kkFkhZ dks ;g ekywe gks tkrk gS og bl l= ds ckn fdl ;ksX; gks tk;sxk;s ckr mls izf’k{k.k ysus ds fy, izsj.kk nsrh gSA iqLrd i<+us ds ckn Lo;a dh {kerk c<+ tk;sxh] muds eu dk Mj Hkh nwj gkstk;sxk o vkxs c<+us dh lgh fn’kk fey tk,xhA

•••• iqLrd i<+dj izf’k{k.kkFkhZ lh[kdj fl[kkus dh ;ksX;rk ds lkFk&lkFk mls mi;ksx djds iSls dek ldrh gSA

•••• iqLrd dks i<+dj izf’k{k.kkFkhZ ;k O;fDr viuk jkstxkj vkjaHk dj ldrk gS ftlls csjkstxkjh mUewyu esa enn gksxhA

laLFkku lu~ 1998 ls jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku] ubZ fnYyh }kjk ekU;rk izkIRk gSAlaLFkku lu~ 1998 ls jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku] ubZ fnYyh }kjk ekU;rk izkIRk gSAlaLFkku lu~ 1998 ls jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku] ubZ fnYyh }kjk ekU;rk izkIRk gSAlaLFkku lu~ 1998 ls jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku] ubZ fnYyh }kjk ekU;rk izkIRk gSA

dVkbZ&flykbZ iqLrd esa ikB~;Øe dks rhu Hkkxksa esa foHkkftr fd;k x;k gS % ¼d½ lS)kafrd ¼[k½ izk;ksfxd ¼x½ ijh{kk dh rS;kjhAdVkbZ&flykbZ ikB~;Øe esa dqy 29 ikB gSaA bUgsa 220 l=ksa esa ckaVk x;k gSA gj fnu rhu ?kaVs ds izf’k{k.k esa ,d ?kaVk lS)kafrd onks ?kaVs izk;ksfxd dke fd;k tkrk gSA bldk dkj.k efgykvksa dh :fp dks cuk, j[kuk gSA

1- lS)kafrd folS)kafrd folS)kafrd folS)kafrd fo"k; &&&& blesa 14 ikB gSa % flykbZ e’khu dk ifjp;] flykbZ esa dke vkus okys vkStkj] gkFk ds Vk¡ds] dVkbZ&flykbZesa mi;ksx gksus okys rduhdh ’kCn] uki ysuk] Mªk¶V vkSj isij iSVuZ] diM+s dh flykbZ] dVkbZ&flykbZ] diM+s dks izsl o ?kM+h djuk]diM+s dk pquko vkSj jaxks dk feyku djuk] diM+ksa dk vuqeku] ifj/kku ¼Mªsl½ fMtkbfuax vkSj diM+s dh fQfVax] ckWfMl CykWd] cnyko¼la’kks/ku½ ,oa rkyesy ¼lkeatL;½] O;fDrRo dk fodkl o xzkgd ds lkFk O;ogkj dk mfpr <axA

2- izk;ksfxd foizk;ksfxd foizk;ksfxd foizk;ksfxd fo"k; &&&& blesa 14 ikB gSa % gkFk ds Vk¡ds vkSj ltkoVh lkeku] e’khu dh flykbZ] lhe] IyhV~l] MkVZl] VDl oikbfiax] diM+k cukrs le; /;ku j[kus okyh ckrsasa] lknk isVhdksV] Ng dyh okyk isVhdksV] >cyk] lknh ÝkWd] pM~Mh] VqDdh] ¼dVksjh½okyk CykÅt] lknk CykÅt] dqjrh] lyokj] pwM+hnkj ik;tkek] ’kVZA

3- ijh{kk dh rS;kjh &ijh{kk dh rS;kjh &ijh{kk dh rS;kjh &ijh{kk dh rS;kjh & jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku dh dVkbZ&flykbZ dh ijh{kk nks Hkkxksa esa gksrh gS ,d lS)kafrdvkSj nwljh izk;ksfxdA lS)kafrd vkSj izk;ksfxd ds gj ikB ds var esa ikB dk nksgjko ijh{kk yh tkrh gSA lS)kafrd ijh{kk nks rjg lsgksrh gS ,d ekSf[kd vkSj nwljh fyf[krA ekSf[kd ijh{kk,a ’kq:vkr ds ik¡p ikBksa esa ’kkfey gSaA ;g ijh{kk,a uolk{kj izf’k{k.kkfFkZ;ksa dsfy, gksrh gSaA ikB Ng ds var rd izf’k{k.kkFkhZ fyf[kr ijh{kk,a nsrh gSaA

gj ikB ds var esa Áf’k{k.kkfFkZ;ksa vkSj lg;ksfx;ksa dh ijh{kk yh tkrh gSA igys ik¡p ikBksa esaa izf’k{k.kkfFkZ;ksa dh ekSf[kd ijh{kk yh tkrhgS D;ksafd bl le; rd mUgsa fy[kuk ugha vkrkA ekSf[kd ijh{kk lg;ksxh ysrs gSaA ekSf[kd ijh{kk yssus dh iwoZ la/;k dks lg;ksxh Lo;afyf[kr ijh{kk nsrh gSaA NBs ikB dh lekfIr ds ckn gj ikB ds var esa lg;ksxh vkSj Áf’k{k.kkFkhZ fyf[kr ijh{kk nsrh gSA lHkh fyf[krijh{kk,a laLFkku dh izf’kf{kdk ysrh gSaA

jkjkjkjk"Vªh; eqDr fo|ky;h f’k{kk laLFkku ds }kjk dVkbZ&flykbZ dh ijh{kk %Vªh; eqDr fo|ky;h f’k{kk laLFkku ds }kjk dVkbZ&flykbZ dh ijh{kk %Vªh; eqDr fo|ky;h f’k{kk laLFkku ds }kjk dVkbZ&flykbZ dh ijh{kk %Vªh; eqDr fo|ky;h f’k{kk laLFkku ds }kjk dVkbZ&flykbZ dh ijh{kk % 6 ekg ds dVkbZ&flykbZ ds izf’k{k.k ds ckn lHkhizf’k{k.kkFkhZ jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku dh dVkbZ&flykbZ dh ijh{kk nsrh gSaA blesa ,d fyf[kr o nwljh izk;ksfxd ijh{kk gSAfyf[kr ijh{kk esa iz’uksa ds mÙkj fy[kdj nsuk ,oa izk;ksfxd ijh{kk esa diM+k flydj cukuk gksrk gSA bu nksuksa ijh{kkvksa esa ikl gksukvfuok;Z gSA nksuksa ijh{kkvksa dh rS;kjh lkFk&lkFk djokbZ tkrh gSA ftlls nksuksa fo"k;ksa esa izf’k{k.kkFkhZ mÙkh.kZ gks tk,a o vius izf’k{k.kdk izek.k i= izkIr djsaA

l= Øekad vkSj ’kh"kZdl= Øekad vkSj ’kh"kZdl= Øekad vkSj ’kh"kZdl= Øekad vkSj ’kh"kZd

mís’;mís’;mís’;mís’;

gj l= dk mís’; Hkh laLFkku dh izf’kf{kdk crkrh gSA mís’; os ekinaM gksrs gSa] ftlls ;g irk pyrk gS fd izf’k{k.kkfFkZ;ksa dks l= dsvar rd fdl ;ksX; gks tkuk pkfg,A blls izf’k{k.kkfFkZ;ksa ds lkFk&lkFk izf’kf{kdk dks Hkh enn feyrh gSA os ikB vkSj l= ds var esaizf’k{k.kkfFkZ;ksa rFkk lg;ksfx;ksa dk ewY;kadu dj ikrh gS vkSj tku ikrh gS fd l= ds ’kq:vkr esa geus tks mís’; cuk, Fks] os iwjs gq,gS ;k ughaA

Áf’k{k.k lkexzhÁf’k{k.k lkexzhÁf’k{k.k lkexzhÁf’k{k.k lkexzh

Áf’k{k.k lkexzh] og lkexzh gksrh gS ftldk mi;ksx i<+kus ds fy, fd;k tkrk gSA Áf’kf{kdk Áf’k{k.k nsus ls igys lkexzh rS;kj djds

2 12 12 12 1


j[krh gSaA lkexzh esa dkxt] diM+k] isu] isafly] jcj] pkWd] Ldsy] bap Vsi] dSph] xqfu;k] ysx ’ksij] nthZ dyk doZ] ÝSap doZ] VsªflaxOghy] fNnzd] Vd ekdZj] gkFk dh lqbZ] e’khu dh lqbZ] /kkxk] vaxq’rku] vkLrhu cksMZ] izsl vkSj isapdl vkfn gksrs gSaA

l= ;kstukl= ;kstukl= ;kstukl= ;kstuk

l= ;kstuk esa dqN pj.k gksrs gSaA

pj.kpj.kpj.kpj.k

pj.k esa Áf’k{k.kkfFkZ;ksa dks le>kus ds fy, tkudkjh vkSj xfrfof/k;ka gksrh gSaA pj.k esa lHkh Áf’k{k.kkFkhZ Hkkx ysrs gSaA gj pj.k esa crk;ktkrk gS fd pj.k dks dkSu lapkfyr djsxkA pj.k lapkfyr djus ds fy, pj.k esa fn’kk&funsZ’k fn, tkrs gSaA

pj.kksa dks i<+kus ds fy, tks rjhds viuk, tkrs gSa] bl izdkj gSaApj.kksa dks i<+kus ds fy, tks rjhds viuk, tkrs gSa] bl izdkj gSaApj.kksa dks i<+kus ds fy, tks rjhds viuk, tkrs gSa] bl izdkj gSaApj.kksa dks i<+kus ds fy, tks rjhds viuk, tkrs gSa] bl izdkj gSaA

lewg ppkZ

mnkgj.k

[email protected] ij ppkZ

Á’u vkSj mÙkj

uewus fn[kkuk

lwpuk nsuk

tkap

O;fDrxr Hkkxhnkjh

uksVuksVuksVuksV% uksV esa tkudkjh nsus okys ds fy, funsZ’k fn, x, gSaA

izf’kf{kdk }kjk lekiuizf’kf{kdk }kjk lekiuizf’kf{kdk }kjk lekiuizf’kf{kdk }kjk lekiu

l= dk lekiu laLFkku dh Áf’kf{kdk djrh gSaA l= ds var esaa iwjs l= esa nh xbZ eq[; tkudkfj;ksa dk nksgjko djokrh gS vkSj bll= dh tkudkjh dks vxys l= ds lkFk tksM+rh gSA lekiu esaa Áf’kf{kdk ds fy, uksV gksrk gS ftlls mls irk pyrk gS fd gj Áf’k{k.kkFkhZdks l= esaa nh xbZ tkudkjh vPNh rjg le> esaa vk xbZ gS ;k ughaA vxj Áf’kf{kdk ;k lg;ksxh esa ls fdlh dks Hkh ;g yxs fd l=esa nh xbZ tkudkjh Áf’k{k.kkfFkZ;ksa dks vPNh rjg ls le> esaa ugha vkbZ gS rks Áf’kf{kdk ml tkudkjh dk nksgjko djokrh gSA

f’k{kk dk Lrjf’k{kk dk Lrjf’k{kk dk Lrjf’k{kk dk Lrj

gj lewg esaa fuj{kj] uolk{kj ;k lk{kj Áf’k{k.kkFkhZ gksrs gSaA

viuh cksyhviuh cksyhviuh cksyhviuh cksyh

lg;ksxh dks vius lewg ds Áf’k{k.kkfFkZ;ksa dh cksyh vkrh gks ftlls os ubZ vkSj dfBu tkudkfj;ksa dks Áf’k{k.kkfFkZ;ksa dh cksyh esa le>kldsaA Áf’k{k.k ds igys dqN lIrkg rd Áf’k{k.kkfFkZ;ksa dks T;knk ls T;knk tkudkjh mudh cksyh esaa le>kbZ tkrh gS D;ksafd ’kq:vkresaa mUgsa fgUnh vPNh rjg le> esaa ugha vkrhA

izf’k{k.k ds ek/;eizf’k{k.k ds ek/;eizf’k{k.k ds ek/;eizf’k{k.k ds ek/;e

izf’k{k.kkfFkZ;ksa dks dVkbZ&flykbZ dk izf’k{k.k uhps fy[ks rjhdksa ls fn;k tkrk gSA

O;kogkfjd f’k{kkO;kogkfjd f’k{kkO;kogkfjd f’k{kkO;kogkfjd f’k{kk

O;kogkfjd f’k{kk bl izf’k{k.k dk ,d egRoiw.kZ ek/;e gSA laLFkku esa Ng ekg@,d lky jgrs gq, izf’k{k.kkFkhZ dVkbZ&flykbZ ds izf’k{k.kesa vyx&vyx rjg ds diM+ksa dks flyuk lh[krh gSA izf’k{k.k ds var rd os vius dyk dkS’ky esa iw.kZ fuiq.k gks tkrh gSA bl dykdks lh[krs le; og /khjs&/khjs bl dyk ds ek/;e ls lsok dh Hkkouk dks fodflr djrh gS vkSj laLFkku esa gh jgdj ;gk¡ ij i<+htkudkjh vius O;ogkj vkSj thou esa mrkjrh gSA

lfØ; lgHkkfxrklfØ; lgHkkfxrklfØ; lgHkkfxrklfØ; lgHkkfxrk

dVkbZ&flykbZ izf’k{k.k esa mUgsa lfØ; lgHkkxhnkj cukus ds fy, uhps fy[ks rjhds viuk, tkrs gSaA bu rjhdksa ls izf’k{k.kkFkhZ d{kk esaT;knk ls T;knk Hkkx ysrh gS ftlls lh[kus esa vklkuh gksrh gS vkSj :fp c<+us ds lkFk&lkFk fo"k; dh le> Hkh c<+rh gSA

2 22 22 22 2


ppk Zppk Zppk Zppk Z %%%% lHkh ikBksa esaa lg;ksxh vkSj izf’k{k.kkFkhZ vkil esa dbZ fo"k;ksa ij ppkZ djrs gSaA ppkZ djus lss eu esa u,&u, fopkj vkrsgSa vkSj viuh ckr nwljksa ds lkeus fcuk fdlh f>>d ;k Mj ds j[k ikrs gSaA

dFkudFkudFkudFku %%%% bl ikB~;Øe esa izsj.kkRed dFkuksa dk mi;ksx fd;k x;k gSA

ns[kdj] lqudj o iz;ksx djns[kdj] lqudj o iz;ksx djns[kdj] lqudj o iz;ksx djns[kdj] lqudj o iz;ksx dj

ns[kdjns[kdjns[kdjns[kdj %%%% fp=ksa ds ek/;e ls tkudkjh vPNh rjg ls] tYnh] vkSj izHkkoh rjhds ls le> esa vkrh gSA ikB~;Øe esa geus mUghafp=ksa dk mi;ksx djus dh dksf’k’k dh gS tks bl ikB~;Øe dks le>us esa vklku gksA

lqudjlqudjlqudjlqudj %%%% ikB dk ifjp; o lekiu izf’kf{kdk }kjk fn;k tkrk gSA izf’kf{kdk izf’k{k.kkfFkZ;ksa ds iz’uksa dks lqudj mudklek/kku djrh gS mudh leL;kvksas dks tkudj mu ij ppkZ dh tkrh gSA bl rjg ls izf’k{k.kkFkhZ lqudj viuh dkS’kydk fodkl djrh gSA

iz;ksx djiz;ksx djiz;ksx djiz;ksx dj %%%% izf’kf{kdk }kjk ikB esa fn, x, ckrksa dk izk;ksfxd uewuk lHkh lg;ksfx;ksa ds lkeus fn[kk;k tkrk gS mlds ckn lg;ksxhvius&vius lewg esa ml iz;ksx dks djds ns[krs gSaA ,d ckj lh[kh ckr dks iz;ksx dj bls lgh rjg ls cukuk lh[kysrh gSA iz;ksx dj lh[kus ls os dHkh Hkh ml dke dks djuk ugha Hkwyrh gSA

uewus cukukuewus cukukuewus cukukuewus cukuk

izf’k{k.kkFkhZ izk;ksfxd ikB~;Øe esa nh xbZ tkudkjh ds vuqlkj diM+ksa ds uewus cukrh gSA ;g uewus muds fy, ekxZn’kZu dk dke djrsgSa vkSj muesa mu diM+ksa dks cukus dk fo’okl iSnk djrs gSaA

uksV % lHkh rjhdksa esa yphykiu jgrk gS tks Áf’k{k.kkfFkZ;ksa dh vko’;drkvksa] le>us ds Lrj vkSj :fp ds vuqlkj ifjofrZr fd, tk ldrsgSaAnksgjko &nksgjko &nksgjko &nksgjko & nksgjko djuk tkudkfj;ksa dks ;kn j[kus ds fy, t:jh gSA blh dkj.k ls lg;ksxh izf’kf{kdk,a vxys fnu i<+kus ds igys]fiNys fnu i<+kbZ gqbZ tkudkjh dk nksgjko djokrh gaSA gj ikB vkSj v/;k; ds var esa iwjs ikB vkSj v/;k; dk nksgjko djokrh gSAjkr dks Hkh izf’kf{k.kkFkhZ vius lewg esa nksgjko djrs gSaA lkIrkfgd ijh{kkvksa ds }kjk Hkh izf’kf{k.kkfFkZ;ksa dks nksgjko gks tkrk gSA

ijh{kk dk vH;klijh{kk dk vH;klijh{kk dk vH;klijh{kk dk vH;kl

dVkbZ&flykbZ dk ikB~;Øe ,d ckj i<+us ds ckn ijh{kk ds 20 ls 25 fnu igys jkst laLFkku esa ijh{kk yh tkrh gSA lS)kafrd ijh{kkdh rS;kjh ds fy, 1998&2007 dh 12 iz’u if=dkvksaa dk v/;;u dj mlds vk/kkj ij iz’u i= cuk, x, gSaA iz’u if=dkvksa dh ijh{kkyh tkrh gSA ijh{kk ysus ds igys ikB dk nksgjko fd;k tkrk gSA bu iz’uksas dks ijh{kk esa ckj&ckj iwNrs gSa vkSj izf’k{k.kkfFkZ;ksa }kjk fy[ksmÙkjksa dk ewY;kadu djrs gSaA ewY;kaduksa dk ekin.M bl rjg gksrk gS %&

1- iz’uksa dks le> ik jgs ;k ugha

2- mÙkj iwjk fy[k ik jgs ;k ugha

3- mÙkj fy[krs le; iz’u ua- fy[k jgs gSa ;k ugha

4- [kkyh LFkku vkSj lgh xyr dks gy djus ij /;ku ns jgs ;k ugha

5- varj Li"V djus okys iz’u dh le> gS ;k ugha

mÙkj iqfLrdkvksa dk ewY;kadu djrs le; izR;sd izf’k{k.kkFkhZ ds Åij [kkl /;ku fn;k tkrk gSA gj izf’k{k.kkFkhZ ds vanj ijh{kk ds fy,tks f>>d vkSj Mj gksrk gS mls ijh{kkvksa ds ek/;e ls [kRke djus dh dksf’k’k dh tkrh gSA

blh rjg izk;ksfxd ijh{kk dh rS;kjh djokrs gSa] izk;ksfxd ijh{kk ds fy, tks diM+s laLFkku esa flyuk lh[krs gSaaA mu diM+ksa dks cukusds rjhds dks ckj&ckj djok;k tkrk gSA ;s diM+k cukrs le; lkjs pj.kksa dks /;ku esa j[krs gq, diM+k rS;kj djrs gSaA tSls uki ysuk]uki ds vk/kkj ij MªkW¶V cukuk] MªkW¶V dh ykbuksa dks dkVdj isij iSVuZ cukuk] isij iSVuZ dh lgk;rk ls diM+s ij ys&vkmV djuk]diM+k dkVuk] diM+k iwjk flyus ds ckn fQfuf’kax vkSj izsl djuk] lHkh fØ;kvksa dh rS;kjh djokrs gSa ftlls os jk"Vªªh; eqDr fo|ky;hf’k{kk laLFkku dh ijh{kk esa mÙkh.kZ gks ldsaA

2 32 32 32 3


Lokxr] izf’k{k.k dk ifjp;] lQy izf’kf{kdk@lg;ksxh ds xq.k]Lokxr] izf’k{k.k dk ifjp;] lQy izf’kf{kdk@lg;ksxh ds xq.k]Lokxr] izf’k{k.k dk ifjp;] lQy izf’kf{kdk@lg;ksxh ds xq.k]Lokxr] izf’k{k.k dk ifjp;] lQy izf’kf{kdk@lg;ksxh ds xq.k]lQy Vsyj ds xq.k vkSj dkS’kylQy Vsyj ds xq.k vkSj dkS’kylQy Vsyj ds xq.k vkSj dkS’kylQy Vsyj ds xq.k vkSj dkS’ky

izf’kf{kdk }kjk ifjp;izf’kf{kdk }kjk ifjp;izf’kf{kdk }kjk ifjp;izf’kf{kdk }kjk ifjp;

laLFkku esa vki lcdk Lokxr gSA ;s laLFkku ,d cM+k ifjokj gSA vkt ls vki lc bl ifjokj ds lnL; gSaA ;g gekjs Ng eghusds izf’k{k.k dk igyk fnu gSA blfy, vkt ge igys ;g tkusaxs fd bu Ng eghuksa esa ge D;k&D;k lh[ksaxs vkSj fQj le>saxsfd vxj gesa lQy izf’kf{kdk@lg;ksxh vkSj lQy Vsyj cuuk gS rks geesa dkSu&dkSu ls xq.k ;k dkS’ky gksus pkfg,A

mís’; % bl l= ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%mís’; % bl l= ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%mís’; % bl l= ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%mís’; % bl l= ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%∗ le> ldsa fd izf’k{k.k ds nkSjku os dkSu ls fo"k; lh[ksaxsA∗ eglwl dj ldsa fd ,d lQy izf’kf{kdk@lg;ksxh cuus ds fy, muesa dkSu ls xq.k gksus pkfg,A∗ lQy Vsyj ds xq.k vkSj dkS’ky dks le> ldsaA

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% izf’kf{kdk }kjk izf’k{k.kkfFkZ;ksa dk Lokxr vkSj izf’k{k.k dk ifjp;pj.k 1% izf’kf{kdk }kjk izf’k{k.kkfFkZ;ksa dk Lokxr vkSj izf’k{k.k dk ifjp;pj.k 1% izf’kf{kdk }kjk izf’k{k.kkfFkZ;ksa dk Lokxr vkSj izf’k{k.k dk ifjp;pj.k 1% izf’kf{kdk }kjk izf’k{k.kkfFkZ;ksa dk Lokxr vkSj izf’k{k.k dk ifjp;− izf’k{k.kkfFkZ;ksa dks ,d xksys esa cSBkdj dgsa]

ge Ng eghus rd iwjs le; vkil esa cguksa dh rjg izse ls jgsaxsA ges’kk ,d&nwljs dh enn djsaxsA gesa cgqr [kq’kh gS fd ns’kds dbZ izkarksa ls vki bruh nwj vkbZ gSaA

− uhps fy[ks iz’u izf’k{k.kkfFkZ;ksa ls ,d&,d djds iwNsa vkSj muds mÙkj lqusa]^^vki dSls gSa\**^^vkidks ;gka dSlk yx jgk gS \**^^;gka vkus ls igys vkius laLFkku vkSj izf’k{k.k ds ckjs esa D;k lkspk Fkk \**^^vki esa ls fdrus yksx flykbZ djuk tkurs gS\^^

gks ldrk gS fd bl iz’u dk mÙkj nsus ds fy, dqN gkFk mBs ;k dqN izf’k{k.kkFkhZ vkxs vk,aA tc izf’kf{kdk mRrj lqu ys rks dgsafd vkiesa ls dqN us flykbZ lh[kh gksxh ;k dqN us flykbZ djrs ns[kk gksxkA vkids thou ds fodkl esa izf’k{k.k dh cgqr t:jrgSA izf’k{k.k ls ge lgh <ax ls dke djus ds fy, rS;kj gksrs gSaA dVkbZ&flykbZ vki lHkh dks ilan gSA dsoy tkudkjh ls d<+kbZ]flykbZ ugha lh[kh tk ldrh gSA izf’k{k.k ysus ls vki vPNh rjg ls lh[k ik,xsa o de le; esa vPNk dke dj ldsxsaA bldsfy, i<+uk&fy[kuk cgqr t:jh gSA vki esa ls T;knkrj Ldwy ugha x, gSa ;k x, rks de le; ds fy;sA dVkbZ&flykbZ ds lkFkigys rhu eghus rd i<+uk&fy[kuk lh[ksaxsA dVkbZ&flykbZ izf’k{k.k esa bap Vsi dh lgk;rk ls fxurh lh[krh gSaA yEckbZ] pkSM+kbZo ÅapkbZ ukiuk] uki fy[kuk] lk/kkj.k d<+kbZ esa viuk uke cukrh gSaA blh nkSjku os lh[ks x, Vk¡dks ds uke] e’khu ds iqtsZ dsuke vkSj mlesa mi;ksx gksus okys vkStkjksa ds uke cksyuk vkSj fy[kuk lh[krh gSaA MªkW¶V cukrs le; uki ds vuqlkj vyx&vyxdiM+ksa dks cukrs le; tksM+uk] ?kVkuk] xq.kk vkSj Hkkx djuk lh[krs gSaA blfy, fxurh] v{kjksa vkSj ’kCnksa dk Kku t:jh gSA

pj.k 2% izf’kf{kdk }kjk izf’k{k.k laca/kh tkudkjhpj.k 2% izf’kf{kdk }kjk izf’k{k.k laca/kh tkudkjhpj.k 2% izf’kf{kdk }kjk izf’k{k.k laca/kh tkudkjhpj.k 2% izf’kf{kdk }kjk izf’k{k.k laca/kh tkudkjh− uhps fy[kh tkudkjh izf’k{k.kkfFkZ;ksa dks i<+dj le>k,aA

Ng eghus ds lkeqnkf;d Lo;a lsfodk izf’k{k.k esa vki dVkbZ&flykbZ ds lkFk LokLF; f’k{kk] O;fDrRo fodkl] i;kZoj.k vkSj ckxokuhdk izf’k{k.k ysaxhA izf’k{k.k ls os vkRefuHkZj cusaxh vkSj fdlh Hkh izf’k{k.k dks O;olk; ;k dke /kU/kk esaa cnydj viuh vk; dk lk/ku cuk ldrh gSassA laLFkku esa fgUnh lk{kjrk fl[kkbZ tkrh gS ftlds }kjk efgyk,a viuh leL;k vkSj ftEesnkjh dks le>rh gSaAvius vf/kdkjksas ds ckjs esa tkudkjh izkIr djds] [kqn viuh leL;k,¡ nwj djuk lh[krh gSaA vius vklikl dh nqfu;k dks le>rhgSaA lk/kkj.k fglkc fdrkc djuk lh[krh gSaA lk/kkj.k i= fy[k&i<++ ldrh gSaA lk{kjrk ds nks izf’k{k.k gksrs gSa ,d izf’k{k.k esa fuj{kjcguksa dks lk{kj fd;k tkrk gS vkSj nwljk izf’k{k.k lk{kj cguksa dks fn;k tkrk gS ftlesas nwljksa dks lk{kj djuk fl[kk;k tkrk gSAgj jkst rhu ?kaVs lk{kjrk dh d{kk yxrh gSA ,d ?kaVk lk{kj djus dh] ,d ?kaVk lk{kjkas dk izf’k{k.k vkSj ,d ?kaVk lHkh dk vH;klA

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izf’k{k.k ds ’kq: esa lHkh izf’k{k.kkfFkZ;ksa dks dkih] isu] iV~Vh] fdrkcsa] bap Vsi ns nh tkrh gSA blds lkFk gh lk{kjrk ds fy, mi;ksxesa vkus okyk tSls cksMZ] MLVj] pkWd] dkih] fdrkc] v{kj] dkMZ] bap Vsi dSls dke eas ykrs gSa] ;g vPNs ls crk;k tkrk gSA

d{kk esa i<+kbZ ds fy, d{kk dks NksVs&NksVs lewg esa ckaVrs gSaA NksVs lewgksa esa i<+kuk ljy gksrk gS rFkk gj ,d izf’k{k.kkFkhZ ij vPNhrjg ls /;ku fn;k tkrk gSA gj lewg esa vkB lnL; gksrs gSaA gj lewg esa ,d FkksM+h f’kf{kr izf’k{k.kkFkhZ gksrh gS tks ikapoh] NBh;k vkBoha d{kk ds ckn i<+kbZ NksM+ nsrh gSA mls lg;ksxh lg;ksxh lg;ksxh lg;ksxh dgrs gSaA lg;ksxh iwjs izf’k{k.k esa izf’kf{kdk dh enn djrh gSaA izf’k{k.kls fo"k; dk Kku c<+rk gSA vkRefo’okl c<+rk gS tks u rks [kjhnk tk ldrk gS u dgha ls yk ldrs gSaA izf’k{k.k o vH;kl lsvkidk dke vf/kd vPNk gks tkrk gSA lk{kj gksdj dyk] Kku lh[k ldrs gSaA lk{kj gksus ds ckn ge Lo;a dks vkxs c<+krs ghgSa lkFk esa vius ifjokj vkSj vius xk¡o ds yksxksa dks izf’kf{kr dj ldrs gSaA izf’k{k.k dk mÌs’; gS fd vki Lo;a viuk fodkl djldsa vkSj okil tkdj vius ifjokj o leqnk; esa lsok ns ldsaA

pj.k 3% izf’kf{kdk }kjk ikB~;Øe dh tkudkjhpj.k 3% izf’kf{kdk }kjk ikB~;Øe dh tkudkjhpj.k 3% izf’kf{kdk }kjk ikB~;Øe dh tkudkjhpj.k 3% izf’kf{kdk }kjk ikB~;Øe dh tkudkjh− uhps fy[kh tkudkjh izf’k{k.kkfFkZ;ksa dks i<+dj lquk,aA

geus pj.k ,d esa tkuk fd laLFkku esa Ng eghus jgdj dVkbZ&flykbZ lh[ksaxs ftlls ge vius o vius ifjokj ds thou dkscsgrj cuk ldsaxsA ge vkus okys Ng eghus ds izf’k{k.k esa uhps fy[ks fo"k;ksa ds ckjs esa lh[ksaxsA

Hkkx ,d & lS}kafrdHkkx ,d & lS}kafrdHkkx ,d & lS}kafrdHkkx ,d & lS}kafrd

IkkB ,d % flykbZ e’khu dk ifjp;IkkB nks % flykbZ esa dke vkus okys vkStkjIkkB rhu % gkFk ds Vk¡dsikB pkj % dVkbZ&flykbZ esa mi;ksx gksus okys rduhdh ’kCnikB ik¡p % uki ysukikB Ng % MªkW¶V] isij iSVuZ vkSj ys vkmVikB lkr % diM+s dh flykbZIkkB vkB % dVkbZ&flykbZikB ukS % diM+s dks izsl o ?kM+h djukIkkB nl % diM+s dk pquko vkSj jaxks dk feyku djukikB X;kjg % diM+ksa dk vuqekuIkkB ckjg % ifj/kku ¼Mªsl½ fMtkbfuax vkSj diM+s dh fQfVaxikB rsjg % ckWfMl CykWd] cnyko ¼la’kks/ku½ ,oa rkyesy ¼lkeatL;½ikB pkSng % Lo;a lgk;rk lewg fodkl dh dqath

Hkkx nks & izk;ksfxdHkkx nks & izk;ksfxdHkkx nks & izk;ksfxdHkkx nks & izk;ksfxdIkkB ,d % gkFk ds Vk¡ds vkSj ltkoVh lkekuikB nks % e’khu dh flykbZ] lhe] IyhV~l] MkVZl] VDl o ikbfiaxikB rhu % diM+k cukrs le; /;ku j[kus okyh ckrsasaikkB pkj% lknk isVhdksVikB ik¡p% Ng dyh okyk isVhdksVikB Ng % >cykikB lkr % lknh ÝkWdikB vkB % pìhikB ukS % VqDdh ¼dVksjh½ okyk CykÅtikB nl % lknk CykÅtikB X;kjg % dqjrh

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IkkB ckjg % lyokjikB rsjg % pwM+hnkj iktkekIkkB pkSng % tsUV~l ’kVZ

Hkkx rhu & ijh{kk dh rS;kjhHkkx rhu & ijh{kk dh rS;kjhHkkx rhu & ijh{kk dh rS;kjhHkkx rhu & ijh{kk dh rS;kjh

IkkB ,d % ijh{kk dh rS;kjh

bu 29 ikBksa dks ge 220 l=ksa esa iwjk djsaxsaaA

lS)kafrd ds 14 ikB] izk;ksfxd ds 14 ikB ,oa ijh{kk dh rS;kjh dk 1 ikB dks i<+saxs] le>saxs] lh[ksaxs vkSj mu ij ppkZ djssssaxsAmlds ckn ge iwjs ikB~;Øe dk nksgjko djsaxsA lS)kafrd ikBksa dks i<+dj fyf[kr ijh{kk dh rS;kjh djsaxs vkSj izk;ksfxd ikBksa esadiM+s ds uewus flyuk lh[ksaxs] izk;ksfxd ijh{kk dh rS;kjh djsaxsA ge nksgjko] vH;kl] ekSf[kd vkSj fyf[kr ijh{kk vkfn ds }kjkdVkbZ&flykbZ dh jk"Vªh; eqDr fo|ky;h f’k{kk laLFkku dh ijh{kk dh rS;kjh djsaxsA dVkbZ&flykbZ dh d{kk esa ge tks flykbZ dkrjhdk lh[ksaxs] mls laLFkku esa jgrs gq, iz;ksx djds Hkh ns[ksxsaA

pj.k 4% izf’kf{kdk }kjk lQy izf’kf{kdk@lg;ksxh ds xq.k vkSj dkS’ky ij ppkZpj.k 4% izf’kf{kdk }kjk lQy izf’kf{kdk@lg;ksxh ds xq.k vkSj dkS’ky ij ppkZpj.k 4% izf’kf{kdk }kjk lQy izf’kf{kdk@lg;ksxh ds xq.k vkSj dkS’ky ij ppkZpj.k 4% izf’kf{kdk }kjk lQy izf’kf{kdk@lg;ksxh ds xq.k vkSj dkS’ky ij ppkZ− izf’k{k.kkfFkZ;ksa ls iwNsa

^^,d lQy izf’kf{kdk@lg;ksxh esa dkSu&dkSu ls xq.k gksus pkfg,\**− izf’k{k.kkfFkZ;ksa ds mÙkj lqusa vkSj muds mÙkj iêh ij fy[ksaA− igys mUgsa iêh ij fy[ks xq.k i<+dj lquk,a vkSj mlds ckn le>k,aA− vxj os fdlh ckr ij lger ugha gSa] rks muls ppkZ djsaA

,d lQy izf’kf{kdk@lg;ksxh cuus ds fy, ge lcesa dqN [kkl xq.k vkSj dkS’ky gksuk t:jh gSA gks ldrk gS buesa ls dbZ xq.kvkSj dkS’ky vkiesa u gksa] blfy, vius O;ogkj vkSj thou esa bUgsa viukuk gksxkA bu Ng eghuksa esa vius vki dks ,d lQylg;ksxh lkfcr djus dh dksf’k’k djuh gksxhA

izf’kf{kdk@lg;ksxh ds xq.kizf’kf{kdk@lg;ksxh ds xq.kizf’kf{kdk@lg;ksxh ds xq.kizf’kf{kdk@lg;ksxh ds xq.k

• izf’kf{kdk@lg;ksxh dks fouez gksuk pkfg,A

• lkgl o ifjfLFkfr dk lkeuk djus okyh gksuk pkfg,A

• lsok dh Hkkouk gksA

• izf’k{k.kkfFkZ;ksa ls fe=rkiw.kZ O;ogkj gksA

• izf’k{k.kkfFkZ;ksa ds lkeus ,sls mnkgj.kksa dks is’k djsa tks muds thou ds lkFk tqM+s gksaA

• d{kk dks jkspd cukus okyh gksA

• le;≤ ij izf’k{k.kkfFkZ;ksa dks lh[kus ds fy, iz’kalk] c<+kok nsus okys rjhdksa ls izsfjr djsa rkfd lh[kus okys mRlkgiwoZdlh[ksaA

• Lo;a dh xyfr;ksa dks Lohdkjus okyh gksA

• izf’k{k.kkfFkZ;ksa dh xyfr;ksa dks ekQ dj mUgsa vkxs c<+kus okyh gksA

izf’kf{kdk@lg;ksxh ds dkS’kyizf’kf{kdk@lg;ksxh ds dkS’kyizf’kf{kdk@lg;ksxh ds dkS’kyizf’kf{kdk@lg;ksxh ds dkS’ky

• izf’kf{kdk dks fo"k; dh iwjh le> gksA

• izf’kf{kdk iqLrd esa crk, x, rjhds ds vuqlkj i<+k,A

• mnkgj.k lh[kus okyksa dh laLd`fr vkSj ifjos’k ls gksus pkfg,A

• gj iks"kkd dks cukuk] fl[kkrs le; iqLrd esa fn, x, funsZ’kksa dk ikyu djsa tSls uki ysuk] dkxt ij MªkW¶V cuokuk]isij iSVuZ dkVuk] diM+s ij fu’kku yxkuk] diM+k dVokuk vkSj dVs VqdM+ksa dks tksM+dj flyukA

• izf’k{k.kkfFkZ;ksa dks d{kk esa lfdz; djus ds fy, izf’k{k.kkfFkZ;ksa ls gh fo"k; ls lacaf/kr dke djokus pkfg,A

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• izf’k{k.kkfFkZ;ksa dh f>>d dks [kre djus ds fy, mUgsa lcds lkeus fopkj j[kus ds fy, izksRlkfgr djuk pkfg,A

• rst vkSj lk/kkj.k izf’k{k.kkfFkZ;ksa esa rkyesy fcBkdj pyuk pkfg,A

• fl[kkus ds u,&u, rjhdksa dh [kkst dj mUgsa d{kk esa iz;ksx djuk pkfg,A

,d lQy izf’kf{kdk@lg;ksxh ds O;ogkj,d lQy izf’kf{kdk@lg;ksxh ds O;ogkj,d lQy izf’kf{kdk@lg;ksxh ds O;ogkj,d lQy izf’kf{kdk@lg;ksxh ds O;ogkj

• gj fo"k; tkuus vkSj mls lh[kus dh bPNk vkSj lsok djus dh Hkkouk gksuh pkfg,A lh[kus okyksa dh ckr vklkuh ls le>usvkSj eglwl djus dh {kerk gksuh pkfg,A

• ikB dk mÌs’; Li"V gksuk pkfg, vkSj mÌs’; dks /;ku esa j[kdj gh i<+kuk pkfg,A

• viuk iwjk /;ku fo"k;&oLrq ij yxkuk pkfg,A lewg dh ppkZ ij iwjk /;ku gksuk pkfg,] ftlls lewg ppkZ djrs gq,fo"k; ls HkVd u tk,A

• Lo;a vuq’kkflr vkSj le; dk ikcan gksuk pkfg,] ftls ns[kdj lh[kus okys Hkh oSls gh cu ldsaA

;s lc xq.k gksus ls izf’k{k.kkFkhZ d{kk esa eu yxkdj lh[ksaxs] fl[kkus okys ij fo’okl djsaxs] d{kk esa mUgsa cgqr etk vk,xk] fo"k;ds izfr mudh :fp vkSj yxu c<+sxh vkSj d{kk esa lh[kus&fl[kkus ds fy, ,d lgt okrkoj.k cusxkA

pj.k 5% izf’kf{kdk }kjk lQy Vsyj ds xq.k vkSj dkS’ky ij ppkZpj.k 5% izf’kf{kdk }kjk lQy Vsyj ds xq.k vkSj dkS’ky ij ppkZpj.k 5% izf’kf{kdk }kjk lQy Vsyj ds xq.k vkSj dkS’ky ij ppkZpj.k 5% izf’kf{kdk }kjk lQy Vsyj ds xq.k vkSj dkS’ky ij ppkZ− izf’k{k.kkfFkZ;ksa ls iwNsa %

^^,d lQy Vsyj esa dkSu&dkSu ls xq.k gksus pkfg,\**− izf’k{k.kkfFkZ;ksa ds mÙkj lqusa vkSj muds mÙkj iV~Vh ij fy[ksaA− igys mUgsa iV~Vh ij fy[ks xq.k i<+dj lquk,a vkSj mlds ckn le>k,aA− vxj os fdlh ckr ij lger ugha gSa] rks muls ppkZ djsaA

lQy Vsyj ds xq.klQy Vsyj ds xq.klQy Vsyj ds xq.klQy Vsyj ds xq.k

^^dyk gekjs thou dk egRoiw.kZ vax gS] fdlh Hkh rjg dh dyk dkS’ky ls ge lkekftd vkSj vkfFkZd :i ls vkRefuHkZj gks ldrsgSaA vkRefuHkZj gksdj gh ge viuk] vius ifjokj vkSj leqnk; ds fodkl esa vge Hkwfedk fuHkk ldrs gSaA**

bl izf’k{k.k ds ckn vki Vsyj cusaxsA Vsyj cuus ds fy, vki dks dke djuk gksxkA dke dks djus ds fy, cgqr lkjs xq.kksa dht:jr gksxhA bu xq.kksa dks /;ku esa j[kdj xzkgd ds lkFk O;ogkj djsaxs rks gh ge lQy Vsyj cu ldrs gSA lQy Vsyj dsfuEufyf[kr xq.kksa dk gksuk t:jh gS tks bl izdkj gS %&

1- dke gh iwtk &1- dke gh iwtk &1- dke gh iwtk &1- dke gh iwtk & nqfu;k esa dksbZ Hkh dke NksVk ;k cM+k ugh gksrkA gj dke vius vkiesa egku gksrk gSA tc ge dke dksiwjh J)k ls djrs gSa rks og dke bZ’oj dh iwtk ds leku cu tk,xkA blfy, gesa dksbZ Hkh dke djuk gks rks mls fny vkSj fnekxls djuk pkfg, o bZ’oj dh iwtk le>dj djuk pkfg,A lPps eu ls fd;k x;k dke bZ’oj dh iwtk gh gksrh gSA

Vsyj dk dke Hkh vius vki esa egRoiw.kZ gSA gekjs ekSfyd t:jrksa esa jksVh] diM+k vkSj edku gSA blfy, diM+s ds fcuk thusdh dYiuk ugha dh tk ldrh vkSj ;g ,d vkthfodk dk lk/ku gSA

2- bZekunkjh &2- bZekunkjh &2- bZekunkjh &2- bZekunkjh & gekjs dkeksa esa bZekunkjh gksuk pkfg, tSls dksbZ balku us diM+k flyus dks fn;k gS rks mlds uki o fQfVaxds vuqlkj diM+s dks rS;kj djus ds ckn gekjk ;g dŸkZO; curk gS fd cpk gqvk diM+k mls okil dj nsaA ftlls gekjh bZekunkjhdk irk pysxkA vxj ge bZekunkj ugh gksxsa rks gekjss ikl dksbZ diM+k flyokus ugha vk;sxkA blls Vsyj ds dke dk uqdlkugksrk gS] vxj Vsyj bZekunkj ugha gksxk rks /khjs&/khjs ;g ckr [kqy tk,xh vkSj yksxksa dk fo’okl de gks tk,xkA bl dkj.k Vsyjdk dke vPNs ls ugha py ik,xkA

3- vkRefo’okl & 3- vkRefo’okl & 3- vkRefo’okl & 3- vkRefo’okl & vkidks gj dke vkRefo’okl ls djuk pkfg,A tks f’k{kk] tkudkjh] mez o dke ds vuqHko ds lkFk&lkFkc<+rk gSA ge vutku yksxksa ds chp esa Hkh fcuk fdlh Mj ds dke djsaA dksbZ Hkh dke djrs le; ;g lkspssa bl dke dks eSa vklkuhls dj ldrh gwaA blls fuf’Pkr gh dke esa lQyrk feysxh vkSj vkRefo’okl c<+sxkA vr% ,d Vsyj esa vkRefo’okl gksuk pkfg,rkfd og dke dks iwjh lQyrkiwoZd dj ldsaA

2 72 72 72 7


4- fo’oklik=rk & 4- fo’oklik=rk & 4- fo’oklik=rk & 4- fo’oklik=rk & “;fn dksbZ euq"; cgqr vPNk dke djs fdUrq iwjh rjg fo’oluh;rk vkSj bZekunkjh esa FkksM+k lk Hkh vlQyjgs rks mlds vPNs dk;Z ,d lw[kh ydM+h dh rjg gks tk;sxsa vkSj mldh vlQyrk ,d vkRe/kkrh ¼Lo;a vkRek dks tykus okyh½vfXu ds leku cu tk;sxhA fdUrq ;fn nwljh vksj og vius lkjs dkedkt esa vlQy gks tk,a fQj Hkh fo’oluh;rk vkSj bZekunkjhds lkFk vkpj.k djs rks mlds lkjs nks"k rRdky Bhd dj fn, tk,xsa] lkjs vKku nwj gks tk,xsa vkSj lkjh vleFkZrk,a lekIr gks tk;sxhaAgekjk rkRi;Z ;g gS fd izHkq dh n`f"V esa ln~xq.k iw.kZrkvksa dk vk/kkj gSA bl xq.k ls oafpr dksbZ Hkh O;fDr lc dqN ls oafpr jg tk;sxkA

blfy, gj ifjfLFkfr esa fo’oklik= gksuk pkfg, tSls&mnkgj.k ds fy, ,d efgyk us CykÅt flyus dks fn;k vkSj dgk fd ;gCykÅt mls vius HkkbZ dh ’kknh esa iguuk gSA mlh fnu CykÅt rS;kj djds nsuk pkfg, ftl fnu CykÅt flydj nsus dkoknk fd;k Fkk] rks ge ml efgyk ds izfr fo’oklik= curs gSA og vki ij fo’okl djsxh rFkk vius vklikl ds yksxksa dks Hkhcrk,xhA nwljh ckj vk,xh rks vius lkFk nks u, xzkgd ysdj vk,xhA bl rjg vkids ikl dke T;knk vkrk tk,xk vxj vkiok;ns ds vuqlkj dke iwjk djds nsrs jgsaxs rks mudk vkids izfr fo’okl cuk jgsxkA

5- le; dh ikcanh& 5- le; dh ikcanh& 5- le; dh ikcanh& 5- le; dh ikcanh& vxj Vsyj ds ikl igys ls flykbZ dk dke gS rks mls T;knk dke djds le; ij diM+s flydj nsukpkfg,] tSls&R;kSgkj] ’kknh vkfn ds le; flykbZ T;knk gksrh gSA ,sls esa le; dk /;ku j[kdj xzkgd ds diM+s ysus pkfg,] vxjflyus ds fy, le; ugha gS rks xzkgd dks Li"V cksy nsuk pkfg, fd flyus ds fy, le; ugha gSA ;fn diM+k ysa rks diM+k flyusds fy, T;knk fnu dk le; ys ldrs gSa] vxj xzkgd dks eatwj gksxk rks og viuk diM+k nsxkA Vsyj dks ges’kk le; ij diM+kflydj xzkgd dks ns nsuk pkfg, blls xzkgd vkSj Vsyj nksuksa gh [kq’k jgrs gSaA

6- izse&6- izse&6- izse&6- izse&

eq>ls izse dj rkfd eSa Hkh rq>ls izse d:WaA ;fn rw eq>ls izse ugha djsxk rks esjk izse Hkh rq> rd dnkfi ugha igqapsxkA js lsod] bls tku ysA”

vxj vki fdlh dk izse ikuk pkgs rks mls Hkh izse nsuk gksxkA mlh rjg ,d lQy Vsyj cuus ds fy, vius dke ls izse djukvfr vko’;d gSA vius xzkgdksa ls izseiwoZd O;ogkj djsxsa rHkh xzkgd vkids ikl vkuk ilan djsxsaA

7- fouezrk&7- fouezrk&7- fouezrk&7- fouezrk&fouez ok.kh ekuo gzn; dk ykSge.kh gSA

gekjh cksypky cgqr fouez gksuh pkfg,A blfy, ,d lQy Vsyj dks vius xzkgdksa ds lkFk ges’kk fouez vkSj ’kkafr ls ckrphrdjuk pkfg, ftlls lkeus okys Hkh [kq’k gks tk,xsaA tc xzkgd vk, rks izse ls fcBk, fQj dke dh ckr ’kq: djsaA

8- la;e& ¼vius Åij dkcw j[kuk½8- la;e& ¼vius Åij dkcw j[kuk½8- la;e& ¼vius Åij dkcw j[kuk½8- la;e& ¼vius Åij dkcw j[kuk½ Vsyj dks diM+s flyus esa tYnckth ugh djuk pkfg,A tYnckth djus ls diM+k [kjkcgks tk,xkA diM+k /;ku ls vkSj lQkbZ ls flyuk pkfg,A ftlls xzkgd vkids ikl ckj&ckj vk,A tc dksbZ xzkgd dHkh flykbZdh dksbZ xyrh vkdj crkrk gS] rks mlls yM+uk ugha pkfg,A ’kkafr o la;e ls mudh ckrksa dks lquuk pkfg,A Vsyj dks viusÅij dkcw j[kuk pkfg,A mnkgj.k ds fy, tc fdlh xzkgd dk diM+k [kjkc gks tkrk gS rc og xqLls esa vkdj diM+s okil ykdjns nsrk gS Vsyj dks Hkyk&cqjk dgus yxrk gS ml le; Vsyj dks fouezrk ls cksyuk pkfg, vkSj I;kj ls le>kuk pkfg, vkSj mUgsadgsa fd vkidk diM+k fQj ls cukdj ns nsxsaaA ;fn diM+k rS;kj gksus ds ckn xzkgd diM+s dh dksbZ f’kdk;r ysdj vkrk gS rks/;ku ls lqfu, vkSj f’kdk;r dks nwj djus dh dksf’k’k djsaA

9- dke dh rS;kjh&9- dke dh rS;kjh&9- dke dh rS;kjh&9- dke dh rS;kjh& dke gekjs thou esa cgqr egRo j[krk gSA dke ls gekjk Lo;a dk o ifjokj dk fodkl gksrk gSA gesa thouesa vkxs c<+us esa lgk;rk nsrk gSs vkSj lekt esa gekjh bTtr c<+rh gSA tc ge dksbZ dke djrs gS rks lcls igys dke dh rS;kjhdj ysuk pkfg, rkfd ckj&ckj mBus dh t:jr u gksA blfy, ,d Vsyj dks flykbZ djrs le; rS;kjh djds e’khu ij cSBukpkfg,A

10- lsok dh Hkkouk&10- lsok dh Hkkouk&10- lsok dh Hkkouk&10- lsok dh Hkkouk& “fo’o dk mRFkku ’kq) vkSj vPNs deksZa ds ek/;e ls izkIr fd;k tk ldrk gS] iz’akluh; vkSj vuqdj.kh;vkpj.k ls fd;k tk ldrk gSA”

;kfu gesa ,sls dke djuk pkfg, tks yksxksa dks Hkh vPNs yxsa vkSj os Hkh mu dkeksa dks djuk pkgsaA blls gekjk] gekjs ifjokj dk]xk¡o rFkk iwjh nqfu;k dk fodkl gks ldrk gSA dke dSlk Hkh gks ml dke dks vkSj vPNk djus ds fy, lsok dh Hkkouk gksuk t:jhgSA vr% Vsyj dks Hkh viuk dke lsok dh Hkkouk ls djuk pkfg,A mldk mÌs’; flQZ iSlk dekuk gh ugh gksuk pkfg, cfYd viusxzkgdks dks lgh le; ij vPNk diM+k flydj nsuk pkfg,A

2 82 82 82 8


11- esgurh gksuk& 11- esgurh gksuk& 11- esgurh gksuk& 11- esgurh gksuk& esgurh dk eryc gS] T;knk ls T;knk ?kaVs gksa ;k T;knk ls T;knk dke gks] mls fcuk cks> le>s djusdh vknr gh esgurh gksuk gSA mnkgj.k & ;fn nhikoyh dk le; gS vkSj flykbZ T;knk gksrh gS rks mls T;knk ls T;knk dkedjds le; ij diM+s flydj nsuk pkfg,A

“izR;sd ,sls deZ djsa tks ’kq) vkSj ifo= gkssa] D;ksafd ’kCn lcdh leku :i ls fuf/k gS] tcfd ,sls deZ dsoy gekjs fiz;tuksa ds gSaAviuh vkRek dh iwjh ’kfDr ds lkFk iz;Ru djks fd rqe vius deksZa ls tkus tkvksA ;g loZ egku dh ikrh ds ijke’kZ dk lkj gSA”

12- lksp&fopkj& 12- lksp&fopkj& 12- lksp&fopkj& 12- lksp&fopkj& lksp&fopkj dj dke djus ls gekjs vUnj fo’okl o lgh lksp dk fodkl gksrk gSA gesa gekjh {kerkvksadk mi;ksx djus esa enn feyrh gS o vkilh lg;ksx c<+rk gSA Vsyj dks diM+k dkVrs le; lksp fopkj djuk pkfg,A mls ;glkspuk pkfg, fd og fdl rjg lss diM+s dks cuk,a tks fn[kus esa o iguus esa vPNk gksA vr% mls tYnckth esa dke ugh djukpkfg, ftlls diM+k xyr Hkh fly ldrk gSA

13- izlUUkrk& 13- izlUUkrk& 13- izlUUkrk& 13- izlUUkrk& tc ge dke djrs gSa rks gekjk eu mnkl vkSj nq%[kh ugha gksuk pkfg,A bldk vlj vkus okys xzkgd ij gksrkgSA ge tc Hkh dke djsa rc lkjh ckrs Hkwydj xzkgd ds lkFk [kq’kh ls ckrsa djsa vkSj mlds dke dks izlUu gksdj djsaA

“vkuan gesa ia[k yxk nsrk gSA vkuan ds le; gekjh ’kfDr vf/kd cy’kkyh] gekjh cqf) vf/kd rh{.k vkSj gekjh lw>cw> de /kqa/kyhgksrh gSA bl lalkj dk lkeuk djus vkSj viuh mi;ksfxrk dk {ks= <wa<+us esa vius vki dks vf/kd ;ksX; ikrs gSaA ijUrq tc ge ijmnklh vkSj f[kUurk Nk tkrh gS rks ge nqcZy gks tkrs gSa] ’kfDr gekjk lkFk NksM+ nsrh gS] gekjh lw>cw> /kqa/kyh gks tkrh gS vkSj gekjsfoosd ij inkZ iM+ tkrk gSA thou dh okLrfodrk,a gekjh le> ls ckgj gksrh fn[kkbZ iM+rh gSa] gekjh vkRekvksa ds p{kq ifo= jgL;ksadk mn~?kkVu djus esa foQy gks tkrs gSa vkSj ge izk;% er izk.kh cu tkrs gSA”

15- orZeku Kku& 15- orZeku Kku& 15- orZeku Kku& 15- orZeku Kku& fdlh Hkh balku dks dke esa vkxs c<+us ds fy, djrs le; orZeku Kku dh t:jr gksrh gSA ftls og fofHkUui=&if=dkvksa o iqLrdksa ls iw.kZ dj ldrs gSaA

xzkgd ds lkFk O;ogkjxzkgd ds lkFk O;ogkjxzkgd ds lkFk O;ogkjxzkgd ds lkFk O;ogkj

1- xzkgd }kjk yk;k x;k diM+k uki dj ns[ksaA2- uki ysrs le; xzkgd ds cktw esas [kM+s gksdj uki ysaaA3- vkMZj cqd fudkydj xzkgd dk uke] irk] mlds yk, gq, diM+s dh drju o vko’;d uki fy[k ysaA4- xzkgd dks ,d ckj VªkbZ ds fy, cqyk yhft,A

cjyh laLFkku ls izf’kf{kr lQy Vsyjcjyh laLFkku ls izf’kf{kr lQy Vsyjcjyh laLFkku ls izf’kf{kr lQy Vsyjcjyh laLFkku ls izf’kf{kr lQy Vsyj

fgjyh lksyadhfgjyh lksyadhfgjyh lksyadhfgjyh lksyadh

>kcqvk ftys dh fgjyh lksyadh tks lu~ 2001 esa cjyh laLFkku esa izf’k{k.k ysus vkbZ FkhA mlus laLFkku esa jgrs gq, LokLF;] ckxokuh]]lk{kjrk] O;fDrRo fodkl] dVkbZ&flykbZ dk izf’k{k.k fy;kA fgjyh izf’k{k.k iwjk dj ?kj xbZA vius ifjokj dh lgk;rk ls ,dflykbZ e’khu [kjhndj flykbZ djuk ’kq: fd;kA flykbZ ls izkIr vk; ls mlus baVjykWd dh e’khu [kjhnh vkSj viuh nksuksa e’khuksadks okyiqj esa vyx ls dejk ysdj flykbZ djds vius ifjokj dk [kpZ pyk jgh gSA blls mldk vkRefo’okl c<+k gSA izf’k{k.kgesa thou esa vkxs c<+us esa enn o vkfFkZd :i ls l’kDr djrk gSA

xjyh vkSj jksyhxjyh vkSj jksyhxjyh vkSj jksyhxjyh vkSj jksyh

xk¡o mejkyh ftyk >kcqvk dh xjyh o jksyh us cjyh laLFkku ls izf’k{k.k fy;k o flykbZ dk dke ’kq: fd;kA vkt os ml {ks=ds lQy Vsyjksa esa fxuh tkrh gSA mUgksusa flykbZ djds 50]000@& :i;s tekdj tehu [kjhnhA bl rjg mUgkssaus vius ifjokjdh enn dh o leqnk; ds fy, ,d mnkgj.k cu x;sA

izf’kf{kdk }kjk lekiuizf’kf{kdk }kjk lekiuizf’kf{kdk }kjk lekiuizf’kf{kdk }kjk lekiubl l= esa geus tkuk fd dVkbZ&flykbZ lh[kuk D;ksa t:jh gS vkSj Ng eghus ds izf’k{k.k ds nkSjku ge dVkbZ&flykbZ esa dkSu&dkSuls fo"k; lh[ksaxsA geus ;g Hkh tkuk vkSj le>k fd ,d lQy izf’kf{kdk@ lg;ksxh vkSj lQy Vsyj esa dkSu&dkSu ls xq.k gksuspkfg,A vxj bl l= ls tqM+s vkids iz’u gSa rks iwNsaA

uksV % izf’k{k.kkfFkZ;ksa ds lHkh iz’uksa dk mÙkj nsaA tc lHkh izf’k{k.kkFkhZ larq"V gks tk,a rks dgsa]

dy vkidks laLFkku esa cus dVkbZ&flykbZ ds uewus fn[kk,axsA

2 92 92 92 9


ikB ,d % flykbZ e’khu dk ifjp;ikB ,d % flykbZ e’khu dk ifjp;ikB ,d % flykbZ e’khu dk ifjp;ikB ,d % flykbZ e’khu dk ifjp;izf’kf{kdk }kjk ikB dk ifjp;izf’kf{kdk }kjk ikB dk ifjp;izf’kf{kdk }kjk ikB dk ifjp;izf’kf{kdk }kjk ikB dk ifjp;− ikB ds ’kq#vkr esa iwNsa

^^vkius dkSu&dkSu lh flykbZ e’khus ns[kh gSa\**− ftu izf’k{k.kkfFkZ;ksa us flykbZ e’khu ns[kh gks] muls flykbZ e’khu dk uke iwNsaA− muds }kjk fn, x, mŸkjksa ij vxj t:jr gks rks ppkZ djsaa fQj dgsa]

flykbZ e’khu dbZ rjg dh gksrh gSA gkFk] iSj] fctyh dh eksVj ls pyus okyh] QS’ku esdj] ,EczkW;Mjh] LVªhe ykbV] baVj ykWd ,oadkj[kkus esa dke vkus okyh flykbZ e’khuA bu e’khuksa ls dbZ rjg dh flykbZ dh tkrh gSA

bl ikB esa ge vyx&vyx rjg dh flykbZ e’khuksa ds ckjs esa tkusaxs o le>saxsA

bl ikB dks ge ,d&,d ?kaVs ds 10 l=ksa esa iwjk djsaaxsA

mís’; % bl ikB ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%mís’; % bl ikB ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%mís’; % bl ikB ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%mís’; % bl ikB ds iwjk gksus rd izf’k{k.kkFkhZ bl ;ksX; gks tk,a fd os%* vyx&vyx rjg dh flykbZ e’khuksa ds ckjs esa le> ldsaA* flykbZ e’khu ds iqtksZaa ds uke o muds dke dks le> ldsaA* flykbZ e’khu dk mfpr j[k&j[kko djuk lh[k ldsaA* flykbZ e’khu esa vkbZ [kjkfc;ksa@nks"kksa dks le>dj Bhd dj ldsaA* tku ldsa fd flykbZ e’khu ij dke djrs le; fdu&fdu ckrksa dk /;ku j[kuk pkfg,A

l= 1% gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZl= 1% gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZl= 1% gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZl= 1% gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZe’khuksa dk ifjp;e’khuksa dk ifjp;e’khuksa dk ifjp;e’khuksa dk ifjp;

izf’kf{kdk }kjk l= dk ifjp;izf’kf{kdk }kjk l= dk ifjp;izf’kf{kdk }kjk l= dk ifjp;izf’kf{kdk }kjk l= dk ifjp;

bl l= esa ge gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZ e’khuksa ds ckjs esa i<+saxs vkSj varj le>saxsA

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk ’kq#vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq#vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq#vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq#vkrh ppkZ− fdlh ,d izf’k{k.kkFkhZ dks uhps fy[kh tkudkjh i<+us dks dgsaA− vxj fdlh izf’k{k.kkFkhZ dks tkudkjh le>us esa ijs’kkuh gks rks mudh cksyh esa le>k,aA

flykbZ e’khu vkt dh nqfu;k esa diM+s flyus ds fy, cgqr mi;ksxh gks xbZ gSA iqjkus tekus esa flykbZ e’khu ughaaaaa Fkh blfy, diM+ksadh flykbZ gkFk ls dh tkrh FkhA gkFk ls flykbZ djus esa T;knk le; yxrk FkkA flykbZ esa lQkbZ Hkh ughaaaaa vkrh FkhA dke esa lQkbZrFkk flykbZ tYnh djus ds fy, flykbZ e’khu dk vkfo"dkj fd;k x;kA

,sfyl gksi us ydM+h ds ifg, dk vkfo"dkj fd;kA lcls igys 1790 esa yanu ds FkkWel lsaV us ifg, ¼pDds½ dk mi;ksx fd;kA/khjs&/khjs cnyko vkrk x;kA u,&u, vkfo"dkjksa ds ckn Jh flaxj us yksgs dh flykbZ e’khu cukbZ mUghaaaaa ds uke ij flykbZ e’khudk uke ^flaxj** j[kk x;kA bl rjg cgqr ls ukeksa dh flykbZ e’khusa cukbZ xbZ gSaA flykbZ e’khu ds mi;ksx ls le; dh cprds lkFk&lkFk flykbZ esa lQkbZ Hkh vkus yxh gSA

^^vko’;drk vkfo"dkj dh tuuh gSA** ;g dFku fcYdqy lgh gSA vc flykbZ dks ,d O;olk; cuk fy;k x;k gSA blh dkj.k dbZrjg dh Lopfyr vkSj vkWVksesfVd flykbZ e’khuksa dk vkfo"dkj fd;k x;kA bu e’khuksa ls flykbZ dk dke lqanjrk] lQkbZ ls vkSjT;knk diM+s flyus ds fy, fd;k tkrk gSA flykbZ e’khusa dbZ rjg dh gksrh gSa tSls

1- gkFk ls pyus okyh flykbZ e’khu

2- iSj ls pyus okyh flykbZ e’khu

3 03 03 03 0


fp= 1fp= 1fp= 1fp= 1

gkFk ls pyus okyh flykbZ e’khugkFk ls pyus okyh flykbZ e’khugkFk ls pyus okyh flykbZ e’khugkFk ls pyus okyh flykbZ e’khu

3- fctyh dh eksVj ls pyus okyh flykbZ e’khu

4- QS’ku esdj flykbZ e’khu

5- d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu

6- LVªhe ykbV flykbZ e’khu

7- baVj ykWd e’khu

8- dkj[kkuksa esa dke vkus okyh flykbZ e’khu

pj.k 2% lg;ksxh }kjk gkFk ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 2% lg;ksxh }kjk gkFk ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 2% lg;ksxh }kjk gkFk ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 2% lg;ksxh }kjk gkFk ls pyus okyh flykbZ e’khu dh tkudkjh− izf’k{k.kkfFkZ;ksa ls iwNsa

^^D;k vkius gkFk ls pyus okyh flykbZ e’khu ns[kh gS\**− izf’k{k.kkfFkZ;ksa ds mŸkj lqusa vxj t:jr gks rks muds }kjk fn, x, mŸkjksa ij ppkZ djsaaA− izf’k{k.kkfFkZ;ksa dks flykbZ e’khu ds ikl ys tkdj e’khu dh tkudkjh le>k,aA− vxj flykbZ e’khu ughaaaaa gks rks fp= ua- 1 fn[kkdj tkudkjh le>k,aA

izf’kf{kdk ds fy, uksV% gj lewg esa tkdj ns[ksa fd izf’k{k.kkfFkZ;ksa dks e’khu dh tkudkjh vPNh rjg ls le> esa vk jgh gS ;k ughaaaaaAvxj t:jr eglwl gks rks vki izf’k{k.kkfFkZ;ksa dks le>k,aA

gkFk ls pyus okyh flykbZ e’khu&gkFk ls pyus okyh flykbZ e’khu&gkFk ls pyus okyh flykbZ e’khu&gkFk ls pyus okyh flykbZ e’khu& bl e’khu dks gkFk ls pyk;k tkrk gSA bldks ljyrk ls dgha Hkh mBkdj ys tk ldrsgSaA bl flykbZ e’khu ls ge dgha ij Hkh cSBdj flykbZ dj ldrs gaSA e’khu dks pykus ds fy, NksVs ¶ykbZ Oghy esa yxs gRFks dksgkFk ls ?kqekuk iM+rk gS ftlls ¶ykbZ Oghy ?kwerk gS vkSj e’khu pyrh gSA blfy, bls T;knk nsj rd ughaaaaa pyk;k tk ldrk gSA

pj.k 3% lg;ksxh }kjk iSj ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 3% lg;ksxh }kjk iSj ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 3% lg;ksxh }kjk iSj ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 3% lg;ksxh }kjk iSj ls pyus okyh flykbZ e’khu dh tkudkjh− izf’k{k.kkfFkZ;ksa ls iwNsa

^^D;k vkius iSj ls pyus okyh flykbZ e’khu ns[kh gS\**− izf’k{k.kkfFkZ;ksa ds mŸkj lqusaA vxj t:jr gks rks muds }kjk fn, x, mŸkjksa ij ppkZ djsaaA− izf’k{k.kkfFkZ;ksa dks flykbZ e’khu ds ikl ys tkdj vyx&vyx Hkkx dh rjQ b’kkjk djrs gq, uhps fy[kh tkudkjh le>k,aA− vxj flykbZ e’khu ughaaaaas gks rks uhps fn, x, fp= ua- 2 fn[kkdj tkudkjh le>k,aA

iSj ls pyus okyh flykbZ e’khu&iSj ls pyus okyh flykbZ e’khu&iSj ls pyus okyh flykbZ e’khu&iSj ls pyus okyh flykbZ e’khu& iSj ls pyus okyh flykbZ e’khu esa ,d LVSaM gksrk gS ftlds Åij e’khu dks j[kk tkrkgSA bl e’khu esa ,d Mksjh yxh gksrh gSA bl Mksjh ¼cÌh½ ls NksVs ¶ykbZ Oghy dks cM+s ¶ykbZ ds lkFk tksM+ fn;k tkrk gSA e’khu dkspykus ds fy, ,d ik;nku gksrk gS ftl ij iSj j[kdj nckus ls vkSj NksVs ¶ykbZ Oghy dks gkFk ls ?kqekus ij e’khu pyrh gSA ;ge’khu gkFk ls pyus okyh flykbZ e’khu ls rst pyrh gSA blfy, bl e’khu ls de le; esas T;knk diM+s flys tk ldrs gSaA

3 13 13 13 1



iSj ls pyus okyh flykbZ e’khuiSj ls pyus okyh flykbZ e’khuiSj ls pyus okyh flykbZ e’khuiSj ls pyus okyh flykbZ e’khu


fctyh dh eksVj ls pyus okyhfctyh dh eksVj ls pyus okyhfctyh dh eksVj ls pyus okyhfctyh dh eksVj ls pyus okyhflykbZ e’khuflykbZ e’khuflykbZ e’khuflykbZ e’khu

pj.k 4% lg;ksxh }kjk fctyh dh eksVj ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 4% lg;ksxh }kjk fctyh dh eksVj ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 4% lg;ksxh }kjk fctyh dh eksVj ls pyus okyh flykbZ e’khu dh tkudkjhpj.k 4% lg;ksxh }kjk fctyh dh eksVj ls pyus okyh flykbZ e’khu dh tkudkjh− izf’k{k.kkfFkZ;ksa ls iwNsa

^^D;k vki esa ls fdlh us fctyh dh eksVj ls pyus okyh flykbZ e’khu ns[kh gS\**− vxj gka rks og dSls pyrh gSA− izf’k{k.kkkfFkZ;ksa ds mŸkj lqusaA− ,d lk/kkj.k flykbZ e’khu vkSj nwljh fctyh dh eksVj yxh flykbZ e’khu fn[kk,aA bl flykbZ e’khu dks fn[kkrs le; eksVjesa yxs fctyh ds rkj dks ¼Iyx yxk gqvk½ fctyh ds fLop cksMZ esa yxkdj fn[kk,aA

− vxj fctyh dh eksVj ls pyus okyh flykbZ e’khu ughaaaa gS rks fp= ua- 3 fn[kkdj le>k,aA− vxj dksbZ izf’k{k.kkFkhZ tokc ughaaaaa nsa rks fctyh ls pyus okyh flykbZ e’khu esa yxh eksVj dks fn[kk,a vkSj iwNsa fd ;g D;k gS\− izf’k{k.kkfFkZ;ksa dks vius tokc nsus esa FkksM+k le; yx ldrk gS] muls iwNsa fd]

**iSj ls pyus okyh flykbZ e’khu vkSj fctyh ls pyus okyh flykbZ e’khu esa D;k varj gksrk gS\**− izf’k{k.kkfFkZ;ksa ds mŸkj lqusaA− vxj mUgsa ekywe ughaaaaas gks rks vki crk,aA− izf’k{k.kkfFkZ;ksa dks uhps fn, x, mnkgj.k dh enn ls le>k,aA

ge dq,¡ ls ckYVh dks jLlh ls ck¡/kdj gkFk ls [khapdj ikuh fudkyrs gSa rks ge /khjs&/khjs ikuh Hkj ikrs gSa vkSj esgur Hkh T;knk yxrhgSA ;fn ge dq,¡ esa fctyh dh eksVj yxkdj ikuh [khaprs gSa] rks ikuh tYnh Hkj ikrs gSaA mlh rjg ls ge flykbZ e’khu esa eksVjyxkdj flykbZ dk dke tYnh dj ldrs gSaA

fctyh dh eksVj ls pyus okyh flykbZ e’khu& fctyh dh eksVj ls pyus okyh flykbZ e’khu& fctyh dh eksVj ls pyus okyh flykbZ e’khu& fctyh dh eksVj ls pyus okyh flykbZ e’khu& ;g e’khu iSj o gkFk ls pyus okyh flykbZ e’khu ds tSlh gh gksrh gS ysfdubls ik;nku ;k gkFk ls ughaaaaa pykrs gaSA blesa fctyh dh eksVj yxh gksrh gSA bl e’khu esa NksVs ¶ykbZ Oghy ls eksVj esa Mksjh ¼cÌh½

3 23 23 23 2


QS’ku esdj flykbZ e’khuQS’ku esdj flykbZ e’khuQS’ku esdj flykbZ e’khuQS’ku esdj flykbZ e’khu


yxk nsrs gSaA eksVj ds rkj dks fctyh ds Iyx esa yxk nsrs gSaA cVu pkyw djus ds ckn iSj ls nckus ;k gkFk ls nckus ds fy, ,djsX;qysVj gksrk gSA bls nckus ls eksVj ds ¶ykbZ Oghy ds lkFk e’khu Hkh rsth ls pyrh gSA eksVj yxkus ls e’khu rst pyrh gSftlls flykbZ Hkh tYnh gksrh gSa ysfdu bl e’khu ij flykbZ djus ls igys vf/kd vH;kl dh vko’;drk gksrh gSA


bl l= esa geus gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZ e’khuksa ds ckjs esa i<+k vkSj varj le>kA vxj bl l= lstqM+s vkids iz’u gSa rks iwNsaA

uksV% izf’k{k.kkfFkZ;ksa ds lHkh iz’uksa dk mŸkj nsa tc lHkh izf’k{k.kkFkhZ larq"V gks tk,a rks dgsa]

vxys l= esa ge QS’ku esdj] d<+kbZ ¼,EczkW;Mjh½] LVªhe ykbV] baVj ykWd vkSj dkj[kkuksa esa dke vkus okyh flykbZ e’khu ds ckjsesa tkusaxs vkSj varj le>saxsA

l= 2% QS’ku esdj] d<+kbZ ¼,EczkW;Mjh½] LVªhe ykbZV] baVj ykWdl= 2% QS’ku esdj] d<+kbZ ¼,EczkW;Mjh½] LVªhe ykbZV] baVj ykWdl= 2% QS’ku esdj] d<+kbZ ¼,EczkW;Mjh½] LVªhe ykbZV] baVj ykWdl= 2% QS’ku esdj] d<+kbZ ¼,EczkW;Mjh½] LVªhe ykbZV] baVj ykWdvkSj dkj[kkuksa esa dke vkus okyh flykbZ e’khuksa dk ifjp;vkSj dkj[kkuksa esa dke vkus okyh flykbZ e’khuksa dk ifjp;vkSj dkj[kkuksa esa dke vkus okyh flykbZ e’khuksa dk ifjp;vkSj dkj[kkuksa esa dke vkus okyh flykbZ e’khuksa dk ifjp;


fiNys l= esa geus gkFk] iSj vkSj fctyh dh eksVj ls pyus okyh flykbZ e’khuksa ds ckjs esa i<+k vkSj varj le>kA

bl l= esa ge QS’ku esdj] d<+kbZ ¼,EczkW;Mjh½] LVªhe ykbV] baVj ykWd vkSj dkj[kkuksa esa dke vkus okyh flykbZ e’khu ds ckjs esai<+saxs vkSj varj le>sxsaA

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk QS’ku esdj flykbZ e’khu dh tkudkjhpj.k 1% lg;ksxh }kjk QS’ku esdj flykbZ e’khu dh tkudkjhpj.k 1% lg;ksxh }kjk QS’ku esdj flykbZ e’khu dh tkudkjhpj.k 1% lg;ksxh }kjk QS’ku esdj flykbZ e’khu dh tkudkjh− izf’k{k.kkfFkZ;ksa ls iwNsa

^^D;k vkius QS’ku esdj flykbZ e’khu ns[kh gS\**− izf’k{k.kkkfFkZ;ksa ds mŸkj lqusa vkSj dgsaA− izf’k{k.kkfFkZ;ksa dks uhps fy[kh tkudkjh flykbZ e’khu ds ikl ys tkdj le>k,aA− izf’k{k.kkfFkZ;ksa dks e’khu dh d<+kbZ o ihdks fd, x, diM+ksa ds ,d ;k nks uewus fn[kk,aA− vxj flykbZ e’khu ughaaaaa gks rks uhps fn, x, fp= ua- 4 dh enn ls tkudkjh le>k,aA

QS’ku esdj flykbZ e’khu&QS’ku esdj flykbZ e’khu&QS’ku esdj flykbZ e’khu&QS’ku esdj flykbZ e’khu& QS’ku esdj flykbZ e’khu ls ge lknh flykbZ] d<+kbZ vkSj ihdks djrs gSaA gesa bl e’khu ds ckjsesa tkudkjh gksuh pkfg,A QS’ku esdj flykbZ e’khu ls diM+s+ flyus ds lkFk&lkFk d<+kbZ Hkh dj ldrs gSaA d<+kbZ djus ds fy,vyx&vyx fMtkbuksa dh 21 IysVsa gksrh gSaA gj ,d IysV dks cny dj yxkus ls vyx fMtkbu cuk ldrs gSaA bl e’khu ls lkM+h]nqiV~Vk] fiyks doj ¼rfd;k dk [kksy½ vkfn ij ihdks Hkh fd;k tkrk gSA diM+s+ dh fdukj dks eksM+us dk Hkh dke dj ldrs gSaA nwljhe’khuksa dh rjg bl e’khu esa Vk¡dksa dks NksVk&cM+k dj ldrs gSaA bl e’khu dks ge iSj ls pyk ldrs gSa ;k blesa fctyh dh eksVjyxkdj Hkh pyk ldrs gSaA fctyh dh eksVj yxkus ls ge flykbZ vkSj d<+kbZ dk dke vklkuh ls dj ldrs gSaA

3 33 33 33 3



d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khud<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khud<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khud<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu

baVj ykWd e’khubaVj ykWd e’khubaVj ykWd e’khubaVj ykWd e’khu


pj.k 2% lg;ksxh }kjk d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu dh tkudkjhpj.k 2% lg;ksxh }kjk d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu dh tkudkjhpj.k 2% lg;ksxh }kjk d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu dh tkudkjhpj.k 2% lg;ksxh }kjk d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu dh tkudkjh− uhps fy[kh tkudkjh fdlh ,d izf’k{k.kkFkhZ dks i<+us dks dgsaaA− izf’k{k.kkfFkZ;ksa dks d<+kbZ ¼,EczkW;M~jh½ dh e’khu fn[kkdj tkudkjh le>k,aA− vxj e’khu ughaaaa gks rks uhps fn, x, fp= ua- 5 dks fn[kkdj tkudkjh le>k,aA

d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu&d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu&d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu&d<+kbZ ¼,EczkW;Mjh½ djus okyh flykbZ e’khu& d<+kbZ djus okyh e’khu ls diM+s ij vyx&vyx fMtkbu dh d<+kbZ djldrs gSa ftlls diM+ksa dh lqanjrk c<+ tkrh gSA bl e’khu ls lk/kkj.k flykbZ vkSj ihdks Hkh fd;k tkrk gSA

pj.k 3% lg;ksxh }kjk LVªhe ykbZV flykbZ e’khu dh tkudkjhpj.k 3% lg;ksxh }kjk LVªhe ykbZV flykbZ e’khu dh tkudkjhpj.k 3% lg;ksxh }kjk LVªhe ykbZV flykbZ e’khu dh tkudkjhpj.k 3% lg;ksxh }kjk LVªhe ykbZV flykbZ e’khu dh tkudkjh− uhps fy[kh tkudkjh i<+sa vkSj le>k,aA

LVªhe ykbV flykbZ e’khu&LVªhe ykbV flykbZ e’khu&LVªhe ykbV flykbZ e’khu&LVªhe ykbV flykbZ e’khu& bl e’khu ds Åij ykbZV yxh gksrh gSA ftlls de mtkys okyh txg es Hkh iwjh e’khu ij mtkykgksrk gSA blfy, blls flykbZ djus esa vklkuh gksrh gSA

pj.k 4% lg;ksxh }kjk baVj ykWd e’khu dh tkudkjhpj.k 4% lg;ksxh }kjk baVj ykWd e’khu dh tkudkjhpj.k 4% lg;ksxh }kjk baVj ykWd e’khu dh tkudkjhpj.k 4% lg;ksxh }kjk baVj ykWd e’khu dh tkudkjh− uhps fy[kh tkudkjh fdlh ,d izf’k{k.kkFkhZ dks i<+us dks dgsaA− izf’k{k.kkfFkZ;ksa dks baVj ykWd e’khu fn[kkdj tkudkjh le>k,aA− vxj baVj ykWd e’khu ughaaaaa gks rks uhps fy[kh tkudkjh fp= ua- 6 fn[kkdj le>k,aA

baVj ykWd e’khu& baVj ykWd e’khu& baVj ykWd e’khu& baVj ykWd e’khu& ;g e’khu NksVh gksrh gS bl e’khu esa rhu /kkxksa dh jhy bdV~Bh pyrh gSA bldk ¶ykbZ Oghy NksVk gksrkgSA bldk mi;ksx diM+s dh flykbZ djus ds ckn fdukjksa dks can djus ds fy, fd;k tkrk gSA

3 43 43 43 4


dkj[kkus esa dke vkus okyh flykbZ e’khudkj[kkus esa dke vkus okyh flykbZ e’khudkj[kkus esa dke vkus okyh flykbZ e’khudkj[kkus esa dke vkus okyh flykbZ e’khu


pj.k 5% lg;ksxh }kjk dkj[kkuksa esa dke vkus okyh flykbZ e’khu dh tkudkjhpj.k 5% lg;ksxh }kjk dkj[kkuksa esa dke vkus okyh flykbZ e’khu dh tkudkjhpj.k 5% lg;ksxh }kjk dkj[kkuksa esa dke vkus okyh flykbZ e’khu dh tkudkjhpj.k 5% lg;ksxh }kjk dkj[kkuksa esa dke vkus okyh flykbZ e’khu dh tkudkjh− izf’k{k.kkfFkZ;ksa ls iwNsa

^^D;k vkius dHkh dkj[kkuksa esa dke vkus okyh flykbZ e’khu ns[kh gS\**− izf’k{k.kkfFkZ;ksa ds mŸkj lqusa vxj t:jr gks rks muds mŸkjksa ij ppkZ djsaaA− izf’k{k.kkfFkZ;ksa dks uhps fy[kh tkudkjh flykbZ e’khu ds ikl ys tkdj le>k,aA− vxj e’khu ughaaaaa gks rks uhps fn, x, fp= ua- 7 dks fn[kkdj le>k,aA

dkj[kkuksa esa dke vkus okyh dkj[kkuksa esa dke vkus okyh dkj[kkuksa esa dke vkus okyh dkj[kkuksa esa dke vkus okyh ¼vEczsykvEczsykvEczsykvEczsyk½ flykbZ e’khu& flykbZ e’khu& flykbZ e’khu& flykbZ e’khu&;g e’khu lk/kkj.k flykbZ e’khu ls cM+h gksrh gSA diM+ksa ds dkj[kkuksaesa T;knk diM+s flyus iM+rs gSa blfy, dkj[kkuksa esa cM+h e’khu dk mi;ksx fd;k tkrk gSA bl e’khu dk LVSUM cM+k gksrk gSA diM+sdks yxkus vkSj fudkyus ds fy, izs’kj QqV ¼?kksM+k½ dks gkFk ls ughaaaaa mBkuk iM+rk gSA izs’kj QqV dks ?kqVus dh enn ls mBkrs gSaA blfy,;g e’khu de le; esa T;knk diM+s flyus ds dke vkrh gSSA


bl l= esa geus QS’ku esdj] ,EczkW;Mjh ¼d<+kbZ½ djus okyh] LVªhe ykbZV] baVj ykWd vkSj dkj[kkuksa esa dke vkus okyh flykbZ e’khuksads ckjs esa i<+k vkSj muesa varj le>kA vxj bl l= ls tqM+s vkids iz’u gSaa rks iwNsaA

uksV% izf’k{k.kkfFkZ;ksa ds lHkh iz’uksa dk mŸkj ns tc lHkh izf’k{k.kkFkhZ larq"V gks tk,a rks dgsaa]

vxys l= esa ge flykbZ e’khu ds iqtksZa ds uke o muds mi;ksx ds ckjs i<+saxs o le>saxsA

l= 3% flykbZ e’khu ds iqtsZl= 3% flykbZ e’khu ds iqtsZl= 3% flykbZ e’khu ds iqtsZl= 3% flykbZ e’khu ds iqtsZ


fiNys l= esa geus QS’ku esdj] d<+kbZ ¼,EczkW;Mjh ½ djus okyh] LVªhe ykbZV] baVj ykWd vkSj dkj[kkuksa esa dke vkus okyh flykbZe’khuksa ds ckjs esa i<+k vkSj varj le>kA

bl l= esa ge flykbZ e’khu ds Åij] vanj] gRFks vkSj uhps ds Hkkx ds iqtksZaa ds uke o muds mi;ksx ds ckjs i<+saxs o le>saxsA

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZ− fdlh ,d izf’k{k.kkFkhZ ls uhps fy[kh tkudkjh i<+us dks dgsaaA− vxj fdlh izf’k{k.kkFkhZ dks tkudkjh le> esa ughaaaaa vk,a rks mUgsa le>k,a o ppkZ djok,aA

flykbZ e’khu ds eq[; Hkkx o muds dkeflykbZ e’khu ds eq[; Hkkx o muds dkeflykbZ e’khu ds eq[; Hkkx o muds dkeflykbZ e’khu ds eq[; Hkkx o muds dke

tSls balku ds ’kjhj dh jpuk NksVh&cM+h dbZ gfì;ksaa ls cuh gS mlh rjg e’khu Hkh NksVs&NksVs iqtksZa ls cuh gSA e’khu ds iqtksZaa dsuke Hkh j[ks x, gSaaA flykbZ e’khu dks ik¡p Hkkxksa esa ck¡Vk x;k gS % vkxs dk Hkkx] e/; Hkkx] gRFkh okyk Hkkx] vanj dk Hkkx vkSj uhpsdk HkkxA bldh tkudkjh vkxs nh xbZ gSA

3 53 53 53 5


flykbZ e’khu

vkxs dk Hkkx e/; dk Hkkx gRFkh okyk Hkkx vanj okyk Hkkx uhps okyk Hkkx

e’khu ds eq[; Hkkxe’khu ds eq[; Hkkxe’khu ds eq[; Hkkxe’khu ds eq[; Hkkx’kVy

izs’kj ckj

izs’kj QqV fy¶Vj

Vsd vi yhoj

¼Qsl½

esu ’kkW¶V

cSysUl Oghy

ckWfcu ckbaMj

Liwy fiu

¼¶ykbZ Oghy½


¼vkeZ@ckWMh½

izs’kj jsX;qysfVax LØw

fLVp jsX;qysVj

uhMy ckj

fQM MkWx

pj.k 2% lg;ksxh }kjk flykbZ e’khu ds eq[; Hkkxksa ds iqtksZaa ds uke o tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu ds eq[; Hkkxksa ds iqtksZaa ds uke o tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu ds eq[; Hkkxksa ds iqtksZaa ds uke o tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu ds eq[; Hkkxksa ds iqtksZaa ds uke o tkudkjh− fdlh ,d izf’k{k.kkFkhZ dks iqtksZaa ds uke i<+us dks dgsaaA− vxj izf’k{k.kkfFkZ;ksa dks i<+uk ughaaaaa vk,a rks vki mudh enn djsaaA− izf’k{k.kkfFkZ;ksa dks nks&nks dh tksM+h esa iqtksZaa ds uke ;kn djus ds fy, 10 fefuV dk le; nsaA− tc izf’k{k.kkfFkZ;ksa dks iqtksZaa ds uke ;kn gks tk,a rks ,d&,d dj lHkh izf’k{k.kkfFkZ;ksa ls iqtksZaa ds uke lqusaA− vxj fdlh izf’k{k.kkFkhZ dks iqtkssZa ds uke ughaaaaa vk jgss rks mUgsa fQj ls le>k,aA

vkxs ds Hkkx ds iqtsZvkxs ds Hkkx ds iqtsZvkxs ds Hkkx ds iqtsZvkxs ds Hkkx ds iqtsZ

1- izs’kj ckj

2- izs’kj QqV

3- izs’kj QqV fy¶Vj ¼?kksM+k½

4- uhMy ckj ¼lqbZ dk xt½

5- DysEi LØw ¼pqVdh½

6- FkzsM VsU’ku fMokbl ¼Fkkfy;k½

7- Vsd vi yhoj ¼ycych½

8- uhMy IysV ¼pkan½

9- QhM MkWx ¼nanjky@nkWarh½

10- LykbM IysV

11- FkzsM xkbM

12- izs’kj jsX;qysfVax LØw

3 63 63 63 6


e/; Hkkx ds iqtsZe/; Hkkx ds iqtsZe/; Hkkx ds iqtsZe/; Hkkx ds iqtsZ

1- Liwy fiu

2- CkkWfcu okbaMj

3- fLVp jsX;qysVj

gRFkh okys Hkkx ds iqtsZgRFkh okys Hkkx ds iqtsZgRFkh okys Hkkx ds iqtsZgRFkh okys Hkkx ds iqtsZ

1- LVkWi ¼eks’ku½ LØw

2- NksVk ¶ykbZ Oghy

3- czSdV LØw

uksV % izf’kf{kdk gj lewg esa tkdj ns[ksa fd lg;ksxh Bhd ls crk jgh gSa ;k ughaaaa

pj.k 3% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds iqtksZa ds uke o tkudkjhpj.k 3% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds iqtksZa ds uke o tkudkjhpj.k 3% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds iqtksZa ds uke o tkudkjhpj.k 3% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds iqtksZa ds uke o tkudkjh− fdlh ,d izf’k{k.kkFkhZ dks iqtsZ ds uke i<+us dks dgsaaA− lHkh izf’k{k.kkfFkZ;ksa dks flykbZ e’khu ds iqtksZa dh rjQ b’kkjk djrs gq, maxyh j[kdj iqtsZ fn[kk,aA− izf’k{k.kkfFkZ;ksa dks nks&nks dh tksM+h esa iqtksZa ds uke ;kn djus ds fy, yxHkx 10 fefuV dk le; nsaA− gj ,d izf’k{k.kkFkhZ ls iqtksZa ds uke iwNsaA

− vxj mUgsa iqtksZa ds uke ;kn ughaaaaa gks rks fQj ls nksgjko djok,aA

vUnj ¼Hkhrj½ ds Hkkx ds iqtsZvUnj ¼Hkhrj½ ds Hkkx ds iqtsZvUnj ¼Hkhrj½ ds Hkkx ds iqtsZvUnj ¼Hkhrj½ ds Hkkx ds iqtsZ

1- ckWfcu ¼fQjduh½

2- ckWfcu dsl ¼fMCch½

3- ’kVy

4- ’kVy Mªkboj

5- jsl ckWMh

uhps ds Hkkx ds iqtsZuhps ds Hkkx ds iqtsZuhps ds Hkkx ds iqtsZuhps ds Hkkx ds iqtsZ

1- ik;nku

2- cM+k ¶ykbZ Oghy


bl l= esa geus flykbZ e’khu ds vkxs] e/;] gRFks] vanj vkSj uhps ds Hkkx ds iqtksZa ds uke i<+saA vxj bl l= ls tqM+s vkids iz’ugSaa rks iwNsaA

uksV% izf’k{k.kkfFkZ;ksa ds lHkh iz’uksa dk mŸkj nsa tc lHkh izf’k{k.kkFkhZ larq"V gks tk,a rks dgsaa]

vxys l= esa ge flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds mi;ksx ds ckjs esa i<+saxs o le>sxsaA

l= 4% flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds mi;ksxl= 4% flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds mi;ksxl= 4% flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds mi;ksxl= 4% flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds mi;ksx


fiNys l= esa geus flykbZ e’khu ds vkxs] e/;] gRFks] vanj vkSj uhps ds Hkkx ds iqtksZaa ds uke i<+saA

bl l= esa ge flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds mi;ksx ds ckjs esa i<+saxs o le>saxsA

3 73 73 73 7


izs’kj QqV fy¶Vjizs’kj QqV fy¶Vjizs’kj QqV fy¶Vjizs’kj QqV fy¶Vj¼?kksM +k½¼?kksM +k½¼?kksM +k½¼?kksM +k½

fp= 11fp= 11fp= 11fp= 11


izs’kj ckjizs’kj ckjizs’kj ckjizs’kj ckj

lk/kkj.k flykbZ e’khu dk lk/kkj.k flykbZ e’khu dk lk/kkj.k flykbZ e’khu dk lk/kkj.k flykbZ e’khu dkizs’kj QqVizs’kj QqVizs’kj QqVizs’kj QqV

ihdks djus okykihdks djus okykihdks djus okykihdks djus okykizs’kj QqVizs’kj QqVizs’kj QqVizs’kj QqV

d<+kbZ djus okyh flykbZd<+kbZ djus okyh flykbZd<+kbZ djus okyh flykbZd<+kbZ djus okyh flykbZe’khu dk izs’kj QqVe’khu dk izs’kj QqVe’khu dk izs’kj QqVe’khu dk izs’kj QqV

fp= 10fp= 10fp= 10fp= 10

psu yxkus dk izs’kj QqVpsu yxkus dk izs’kj QqVpsu yxkus dk izs’kj QqVpsu yxkus dk izs’kj QqV

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds uke o muds dke dh tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds uke o muds dke dh tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds uke o muds dke dh tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds uke o muds dke dh tkudkjh− uhps fy[kh tkudkjh dks i<+rs tk,a o fp= dh enn ls le>krs tk,aA− vxj fdlh izf’k{k.kkFkhZ dks tkudkjh Bhd rjg ls le> esa ughaaaa vkbZ gks rks mls flykbZ e’khu ds ikl ys tkdj iqtsZ fn[kk,ao le>k,aA

vkxs ds Hkkx ds iqtsZvkxs ds Hkkx ds iqtsZvkxs ds Hkkx ds iqtsZvkxs ds Hkkx ds iqtsZ

izs’kj ckj& izs’kj ckj& izs’kj ckj& izs’kj ckj& ;g ,d MaMk gksrk gS ftlesa izs’kj QqV yxk gksrk gSA ;g uhMy ckj ds ikl esa gksrk gSA

izs’kj QqV& izs’kj QqV& izs’kj QqV& izs’kj QqV& ;g izs’kj ckj esa yxk gksrk gSaA ;g iSj tSlk gksrk gSA ;g diM+s ij ncko Mkyrk gSA izs’kj QqV dbZ izdkj ds gksrs gSaA

izs’kj QqV fy¶Vj ¼?kksM+k½&izs’kj QqV fy¶Vj ¼?kksM+k½&izs’kj QqV fy¶Vj ¼?kksM+k½&izs’kj QqV fy¶Vj ¼?kksM+k½& bls ?kksM+k Hkh dgrs gSaaA ;g izs’kj QqV dks Åij&uhps djus ds dke esa vkrk gSA e’khu esa diM+kyxkrs le; igys bls Åij mBkrs gSaa fQj ckn esa bls uhps djrs gSaA

3 83 83 83 8


fp= 12fp= 12fp= 12fp= 12

uhMy ckjuhMy ckjuhMy ckjuhMy ckj¼lqbZ dk xt½¼lqbZ dk xt½¼lqbZ dk xt½¼lqbZ dk xt½

DysEi LØw ¼pqVdh½DysEi LØw ¼pqVdh½DysEi LØw ¼pqVdh½DysEi LØw ¼pqVdh½

fp= 13fp= 13fp= 13fp= 13

fp= 14fp= 14fp= 14fp= 14

FkzsM VsU’ku fMokblFkzsM VsU’ku fMokblFkzsM VsU’ku fMokblFkzsM VsU’ku fMokbl¼Fkkfy;k½¼Fkkfy;k½¼Fkkfy;k½¼Fkkfy;k½

uhMy ckj ¼lqbZ dk xt½&uhMy ckj ¼lqbZ dk xt½&uhMy ckj ¼lqbZ dk xt½&uhMy ckj ¼lqbZ dk xt½& blesa uhps dh rjQ lqbZ yxkbZ tkrh gSA e’khu pyus ij ;g Åij uhps gksrk gSA ftlls lqbZ Åijuhps gksrh gS vkSj cf[k;k vkrk gSA

DysEi LØw ¼pqVdh½&DysEi LØw ¼pqVdh½&DysEi LØw ¼pqVdh½&DysEi LØw ¼pqVdh½& bldh enn ls lqbZ dks uhMy ckj esa yxkrs gSaaA blesa ,d isap gksrk gS] ftls dlus ls lqbZ yx tkrh gSA

FkzsM VsU’ku fMokbl&FkzsM VsU’ku fMokbl&FkzsM VsU’ku fMokbl&FkzsM VsU’ku fMokbl& bls Fkkfy;k Hkh dgrs gSaaA blds chp esa ls /kkxk fudkyk tkrk gSA ;g /kkxs ds dlko dks lgh j[krk gSA


bl l= esa geus flykbZ e’khu ds vkxs ds Hkkx ds iqtksZaa ds mi;ksx ds ckjs esa i<+k o le>kA vxj bl l= ls tqM+s vkids iz’u gSaarks iwNsaA


vxys l= esa ge flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkx ds iqtksZa ds mi;ksx ds ckjs esa i<+saxs o le>saxsA

l= 5% flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkxl= 5% flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkxl= 5% flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkxl= 5% flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkxds iqtksZa a ds mi;ksxds iqtksZa a ds mi;ksxds iqtksZa a ds mi;ksxds iqtksZa a ds mi;ksx


fiNys l= esa geus vkxs ds Hkkx ds iqtksZaa ds mi;ksx ds ckjs esa i<+k o le>kA

bl l= esa ge flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkx ds iqtksZa ds mi;ksx ds ckjs esa i<+saxs o le>saxsA

3 93 93 93 9


fp= 17fp= 17fp= 17fp= 17

QhM MkWxQhM MkWxQhM MkWxQhM MkWx

fp= 15fp= 15fp= 15fp= 15

Vsd vi yhoj ¼ycych½Vsd vi yhoj ¼ycych½Vsd vi yhoj ¼ycych½Vsd vi yhoj ¼ycych½

uhMy IysVuhMy IysVuhMy IysVuhMy IysV

fp= 16fp= 16fp= 16fp= 16

fp= 18fp= 18fp= 18fp= 18

LykbM IysVLykbM IysVLykbM IysVLykbM IysV

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk iqtksZa ds uke o mi;ksx dh tkudkjhpj.k 1% lg;ksxh }kjk iqtksZa ds uke o mi;ksx dh tkudkjhpj.k 1% lg;ksxh }kjk iqtksZa ds uke o mi;ksx dh tkudkjhpj.k 1% lg;ksxh }kjk iqtksZa ds uke o mi;ksx dh tkudkjh− uhps fy[kh tkudkjh dks i<+rs o fp=ksa dh enn ls le>krs tk,aA− izf’k{k.kkfFkZ;ksa ls iwNsa fd mudks le> esa vk;k gSaa ;k ughaaaaaA vxj Bhd ls le> esa ughaaaa vk;k gks rks mudks flykbZ e’khu ds iklys tkdj iqtsZ fn[kk,a o le>k,aA

Vsd vi yhoj&Vsd vi yhoj&Vsd vi yhoj&Vsd vi yhoj& bldks ycych Hkh dgrs gSaaA ;g jhy ls /kkxk [khapdj lqbZ rd igqapkrk gS vkSj /kkxs dks lgh fn’kk fn[kkrk gSA

uhMy IysV ¼pk¡n½& uhMy IysV ¼pk¡n½& uhMy IysV ¼pk¡n½& uhMy IysV ¼pk¡n½& ;g yksgs dk gksrk gS vkSj vk/ks pk¡n tSlk fn[krk gSA blesa QhM MkWx Åij ls fn[krk gSA blesa ,d Nsn gksrkgSaa] ftlesa ls lqbZ uhps tkrh gSaA

QhM MkWx ¼nanjky½&QhM MkWx ¼nanjky½&QhM MkWx ¼nanjky½&QhM MkWx ¼nanjky½& bldks nk¡rh Hkh dgrs gSaA ;g nkarsnkj gksrk gSA flykbZ e’khu pykus ij ;g diM+s dks vkxs ljdkrk gSA

LykbM IysV& LykbM IysV& LykbM IysV& LykbM IysV& ;g yksgs dh IysV gksrh gSA ;g pkSdksj vkdkj dh gksrh gSA bldks ljdkdj e’khu esa ckWfcu dsl yxkrs gSaA

4 04 04 04 0


fp= 20fp= 20fp= 20fp= 20

izs’kj jsX;qysfVaxizs’kj jsX;qysfVaxizs’kj jsX;qysfVaxizs’kj jsX;qysfVax¼,MtLVesaV½ LØw¼,MtLVesaV½ LØw¼,MtLVesaV½ LØw¼,MtLVesaV½ LØw

fp= 19fp= 19fp= 19fp= 19

FkzsMFkzsMFkzsMFkzsM xkbMxkbMxkbMxkbM

fp= 21fp= 21fp= 21fp= 21

Liwy fiuLiwy fiuLiwy fiuLiwy fiu

ckWfcu okbaMjckWfcu okbaMjckWfcu okbaMjckWfcu okbaMj

fp= 22fp= 22fp= 22fp= 22

ckWfcu okbaMjckWfcu okbaMjckWfcu okbaMjckWfcu okbaMj

ckWfcu esa /kkxk HkjukckWfcu esa /kkxk HkjukckWfcu esa /kkxk HkjukckWfcu esa /kkxk Hkjuk

FkzsM xkbM&FkzsM xkbM&FkzsM xkbM&FkzsM xkbM& lqbZ esa /kkxk Mkyus ls igys blesa /kkxk Mkyrs gSaA ;g /kkxs dks lqbZ rd igqapkus dk jkLrk fn[kkrk gSA

izs’kj jsX;qysfVax LØw&izs’kj jsX;qysfVax LØw&izs’kj jsX;qysfVax LØw&izs’kj jsX;qysfVax LØw& bl isap ls izs’kj QqV ds ncko dks de&T;knk dj ldrs gSaaA

e/; Hkkx ds iqtsZe/; Hkkx ds iqtsZe/; Hkkx ds iqtsZe/; Hkkx ds iqtsZ

Liwy fiu&Liwy fiu&Liwy fiu&Liwy fiu&e’khu ds Åij nks ls rhu Liwy fiu gksrh gSA blesa /kkxs dh jhy yxkrs gSaa] ;g yksgs dh dhy 2&3 bap yEch gksrh gSA

CkkWfcu okbaMj& CkkWfcu okbaMj& CkkWfcu okbaMj& CkkWfcu okbaMj& ;g ckWfcu Hkjus ds dke esa vkrk gSA ;g NksVs ¶ykbZ Oghy ds ikl esa gksrk gSA blesa ,d NksVk&lk ifg;k gksrkgSA ftl ij jcj yxk gksrk gSA blesa ckWfcu yxkdj iÙkh nckus ls ckWfcu esa /kkxk Hkjk tkrk gSA

4 14 14 14 1


LVkWi ¼eks’ku½ LØwLVkWi ¼eks’ku½ LØwLVkWi ¼eks’ku½ LØwLVkWi ¼eks’ku½ LØw

fp= 24fp= 24fp= 24fp= 24

¶ykbZ ¼cSysUl½ Oghy¶ykbZ ¼cSysUl½ Oghy¶ykbZ ¼cSysUl½ Oghy¶ykbZ ¼cSysUl½ Oghy

fp= 25fp= 25fp= 25fp= 25

fLVp jsX;qysVjfLVp jsX;qysVjfLVp jsX;qysVjfLVp jsX;qysVj

fp= 23fp= 23fp= 23fp= 23

cszdsV LØwcszdsV LØwcszdsV LØwcszdsV LØw

fp= 26fp= 26fp= 26fp= 26

fLVp jsX;qysVj& fLVp jsX;qysVj& fLVp jsX;qysVj& fLVp jsX;qysVj& ;g ,d isap gksrk gS ftlls Vk¡ds dks NksVk&cM+k dj ldrs gSA blesa ,d Ldsy gksrk gS ftl ij uacj fy[ks gksrsgSaaA isap dks ik¡p uacj ij j[kus ls cM+s Vk¡ds vkrs gSaaA isap dks 0 ij j[kus ls e’khu pyuk can gks tkrh gSA isap dks 0 uacj ls uhpsj[kus ij e’khu mYVh pyus yxrh gSA

gRFkh okys Hkkx ds iqtsZgRFkh okys Hkkx ds iqtsZgRFkh okys Hkkx ds iqtsZgRFkh okys Hkkx ds iqtsZ

LVkWi ¼eks’ku½ LØw &LVkWi ¼eks’ku½ LØw &LVkWi ¼eks’ku½ LØw &LVkWi ¼eks’ku½ LØw & ;g NksVs ¶ykbZ Oghy ds chp okys fgLls esa gksrk gSA bldks <+hyk djus ls e’khu pyuk can gks tkrh gSA

NksVk ¶ykbZ OghyNksVk ¶ykbZ OghyNksVk ¶ykbZ OghyNksVk ¶ykbZ Oghy& e’khu esa lh/ks gkFk dh rjQ tks ifg;k yxk gksrk gS ftls ?kqekus ls e’khu pyrh gS mls NksVk ¶ykbZ Oghydgrs gSaaA e’khu pykus ls igys ¶ykbZ Oghy dks viuh vksj ?kqekdj flykbZ ’kq: djuh pkfg,A blls /kkxk e’khu esa Qalrk ughaaaaa gSA

czSdV LØw&czSdV LØw&czSdV LØw&czSdV LØw& ;g gkFk dh e’khu esa fQV gksrk gSA bldk ,d fljk NksVs ifg, ds lkFk o nwljk fljk gRFkh ds lkFk tqM+k gksrk gSA

4 24 24 24 2


fp= 30fp= 30fp= 30fp= 30

’kVy Mªkboj’kVy Mªkboj’kVy Mªkboj’kVy Mªkboj

fp= 29fp= 29fp= 29fp= 29

’kVy’kVy’kVy’kVy

fp= 28fp= 28fp= 28fp= 28

ckWfcu dslckWfcu dslckWfcu dslckWfcu dsl

ckWfcu ¼fQjduh½ckWfcu ¼fQjduh½ckWfcu ¼fQjduh½ckWfcu ¼fQjduh½

fp= 27fp= 27fp= 27fp= 27

pj.k 2% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds Hkkx ds iqtksZaa ds uke o mi;ksx dh tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds Hkkx ds iqtksZaa ds uke o mi;ksx dh tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds Hkkx ds iqtksZaa ds uke o mi;ksx dh tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu ds vanj o uhps ds Hkkx ds iqtksZaa ds uke o mi;ksx dh tkudkjh− uhps fy[kh tkudkjh dks i<+rs o fp= dh enn ls le>krs tk,aA− vxj izf’k{k.kkfFkZ;ksa dks tkudkjh le> esa ughaaaaa vkbZ gks rks mudks flykbZ e’khu ds ikl ys tkdj iqtsZ fn[kk,a o le>k,aA

ckWfcu&ckWfcu&ckWfcu&ckWfcu& bldks fQjduh Hkh dgrs gSaaa ;g xksy gksrh gSA blesa /kkxk Hkjk tkrk gSA bldks ckWfcu dsl esa Mkydj e’khu esa yxkrs gSaA

ckWfcu dsl&ckWfcu dsl&ckWfcu dsl&ckWfcu dsl& bldks fMCch Hkh dgrs gSaaA blds vanj fQjduh Mkydj ’kVy esa yxkrs gSaaaA

’kVy&’kVy&’kVy&’kVy& ;g vk/ks pkWan tSlk gksrk gS] blds Åij ,d iÙkh ¼fLizax½ p<+h gksrh gSA ;g ’kVy dks pykrk gSA blds vanj ,d dhygksrh gS] ftlesa ckWfcu dsl ¼fMCch½ yxkrs gSaaA

’kVy Mªkboj&’kVy Mªkboj&’kVy Mªkboj&’kVy Mªkboj& e’khu ds fupys fgLls ds eq[; Hkkx esa ,d ’kkW¶V ¼yksgs dk jkWM½ gksrk gS] ftlesa ,d vk/ks pk¡n tSlk iqtkZ gksrkgSA bls ’kVy Mªkboj dgrs gSaA

4 34 34 34 3


fp= 32fp= 32fp= 32fp= 32

ik;nkuik;nkuik;nkuik;nku

fp= 31fp= 31fp= 31fp= 31

jsl ckWMhjsl ckWMhjsl ckWMhjsl ckWMh

fp= 33fp= 33fp= 33fp= 33

cM+k ¶ykbZ OghycM+k ¶ykbZ OghycM+k ¶ykbZ OghycM+k ¶ykbZ Oghy

jsl ckWMh&jsl ckWMh&jsl ckWMh&jsl ckWMh& e’khu ds fupys Hkkx esa ,d iqtkZ gksrk gS bls jsl ckWMh dgrs gSaA blds Åij ’kVy dks j[kdj nks ispksa ls dl fn;ktkrk gSA

uhps ds Hkkx ds iqtsZuhps ds Hkkx ds iqtsZuhps ds Hkkx ds iqtsZuhps ds Hkkx ds iqtsZ

ik;nku&ik;nku&ik;nku&ik;nku& ;g iSj ls pyus okyh flykbZ e’khu dks pykus ds dke esa vkrk gSA ;g yksgs dk gksrk gSA ;g cM+s ¶ykbZ Oghy ls tqM+kgksrk gS] bldks iSj ls nckus ij e’khu pyrh gSA

cM+k ¶ykbZ Oghy&cM+k ¶ykbZ Oghy&cM+k ¶ykbZ Oghy&cM+k ¶ykbZ Oghy& iSj ls pyus okyh flykbZ e’khu esa ,d cM+k ifg;k gksrk gSA ftldks cM+k ¶ykbZ Oghy dgrs gSaA ;g NksVs ¶ykbZOghy ds lkFk ,d Mksjh ¼cÌh½ ls tqM+k gksrk gSA ik;nku dks nckus ls cM+k ¶ykbZ Oghy ?kwerk gS ftlds dkj.k NksVk ¶ykbZ Oghy Hkh?kwerk gS vkSj e’khu pyrh gSA


bl l= esa geus flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkx ds iqtksZaa ds mi;ksx ds ckjs esa i<+k o le>kA vxj bl l=ls tqM+s vkids iz’u gSaa rks iwNsaA

uksV% izf’k{k.kkfFkZ;ksa ds lHkh iz’uksa ds mÙkj nsa tc lHkh izf’k{k.kkFkhZ larq"V gks tk,a rks dgsa]

vxys l= esa ge flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsa i<+saxs vkSj le>saxsA

4 44 44 44 4


fp= 34fp= 34fp= 34fp= 34

e’khu esa lqbZ yxkuke’khu esa lqbZ yxkuke’khu esa lqbZ yxkuke’khu esa lqbZ yxkuk

l= 6% flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsal= 6% flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsal= 6% flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsal= 6% flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsa


fiNys l= esa geus flykbZ e’khu ds e/;] vanj] uhps vkSj gRFkh okys Hkkx ds iqtksZaa ds mi;ksx ds ckjs esa i<+k o le>kA

bl l= esa ge flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsa i<+saxs o le>saxsA

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk flykbZ e’khu ds mi;ksx ij tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu ds mi;ksx ij tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu ds mi;ksx ij tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu ds mi;ksx ij tkudkjh− uhps nh xbZ tkudkjh fdlh ,d izf’k{k.kkFkhZ dks i<+us ds fy, dgsaa]− vki tkudkjh dks le>k,aA

flykbZ e’khu dk mi;ksxflykbZ e’khu dk mi;ksxflykbZ e’khu dk mi;ksxflykbZ e’khu dk mi;ksx

fdlh Hkh dke dks lgh <ax ls djus ds fy, dbZ fu;eksa dk ikyu djuk vko’;d gSA flykbZ e’khu dks pykus ls igys] flykbZdjus dh iwjh tkudkjh gksuh pkfg, rHkh flykbZ dk dke lgh o lqpk# <ax ls fd;k tk ldrk gSA flykbZ dh ’kq#vkr esa diM+s+dk ,d fljk e’khu ds izs’kj QqV ds uhps j[kus ds ckn NksVs ¶ykbZ Oghy dks vius lkeus dh rjQ /khjs&/khjs ?kqek,aA diM+s+ dks ck,agkFk ls idM+ dj j[ksaA

pj.k 2% lg;ksxh }kjk e’khu esa lqbZ yxkus vkSj lqbZ esa /kkxk Mkyus dh tkudkjhpj.k 2% lg;ksxh }kjk e’khu esa lqbZ yxkus vkSj lqbZ esa /kkxk Mkyus dh tkudkjhpj.k 2% lg;ksxh }kjk e’khu esa lqbZ yxkus vkSj lqbZ esa /kkxk Mkyus dh tkudkjhpj.k 2% lg;ksxh }kjk e’khu esa lqbZ yxkus vkSj lqbZ esa /kkxk Mkyus dh tkudkjh− izf’k{k.kkfFkZ;ksa dks e’khu ds ikl ys tkdj uhps fy[kh tkudkjh i<+rs o le>krs tk,aA− izf’kf{k.kkfFkZ;ksa ls iwNsa

^^D;k vki esa ls fdlh dks e’khu esa lqbZ yxkuk vkSj /kkxk Mkyuk vkrk gS\**− izf’k{k.kkfFkZ;ksa ds mŸkj lqusaA− vxj fdlh izf’k{k.kkFkhZ dks e’khu esa lqbZ yxkuk vkSj lqbZ esa /kkxk Mkyuk vkrk gks rks mUgsa flykbZ e’khu esa lqbZ yxkdj o/kkxk Mkydj fn[kkus dks dgsaA

− izf’k{k.kkFkhZ }kjk e’khu esa yxkbZ xbZ lqbZ vkSj mlesa Mkysa x, /kkxs dh tkap djsaaA− izf’k{k.kkfFkZ;ksa dks flykbZ e’khu esa lqbZ yxkus o /kkxk Mkyus dk lgh rjhdk crk,aA− vki lHkh izf’k{k.kkfFkZ;ksa dks e’khu esa lqbZ yxkus o /kkxk Mkyus dk lgh rjhdk rc rd crk,a tc rd fd mUgsa iwjh rjg lslqbZ yxkuk o /kkxk Mkyuk u vk tk,A

lqbZ yxkuklqbZ yxkuklqbZ yxkuklqbZ yxkuk

1- uhMy ckj ¼lqbZ dk xt½ dks iwjh ÅapkbZ rd mBk,aA

2- pqVdh ¼DysEi LØw½ ds isap dks <hyk djsaaA

3- lqbZ dks ck,a gkFk ls idM+dj lqbZ ds piVs Hkkx dks uhMy ckj ds vanj dh rjQ djds yxk,aA lqbZ dks DysEi LØw ds Åij,d NksVk LØww gksrk gS ogka rd lqbZ Åij djds LØw dks dl nsaA

4- pqVdh ¼DysEi LØw½ ds isap dks vPNh rjg dl nsaA

4 54 54 54 5


fp= 36fp= 36fp= 36fp= 36

ckWfcu esa /kkxk yisVukckWfcu esa /kkxk yisVukckWfcu esa /kkxk yisVukckWfcu esa /kkxk yisVuk

lqbZ esa /kkxk MkyuklqbZ esa /kkxk MkyuklqbZ esa /kkxk MkyuklqbZ esa /kkxk Mkyuk

1- igys e’khu ds NksVs ¶ykbZ Oghy ¼ifg,½ dks viuh rjQ ?kqek,a ftlls /kkxk mBkus okyh ycych Åij vk tk,A

2- /kkxs dh jhy dks e’khu ds Åij Liwy fiu esa yxk,aA

3- /kkxs dks Åij ls ykrs gq, FkzsM VsU’ku fMokbl ¼VsU’ku Fkkfy;kaa½ ds chp esa /kkxk Qalkus ds ckn /kkxk Vsd vi yhoj ¼ycych½ds Nsn esa Mkyus ds ckn FkzsM xkbM ¼gqd½ esa MkysaA

4- ck,a gkFk dh rjQ ls lqbZ esa /kkxk MkysaA

5- Åij o uhps ds /kkxs dk rhu ;k pkj bap yEck fljk NksM+ nsaA

ckWfcu ¼fQjdh½ esa /kkxk HkjukckWfcu ¼fQjdh½ esa /kkxk HkjukckWfcu ¼fQjdh½ esa /kkxk HkjukckWfcu ¼fQjdh½ esa /kkxk Hkjuk

1- LVkWi LØw dks <hyk djsaaA

2- /kkxs dh jhy dks Liwy fiu esa yxk nsaA

3- ckWfcu ¼fQjdh½ esa FkksM+k /kkxk gkFk ls yisV dj ckWfcu okbaMj esa fQV djsaaA

4- jcM+ ds ifg, dks nckdj ¶ykbZ Oghy ls tksM+ nsaA

5- e’khu pyrs gh ckWfcu ¼fQjdh½ ?kweus yxsxh vkSj /kkxk mlesa fyiV tk,xkA

fp= 35fp= 35fp= 35fp= 35

lqbZ esa /kkxk MkyuklqbZ esa /kkxk MkyuklqbZ esa /kkxk MkyuklqbZ esa /kkxk Mkyuk

4 64 64 64 6


ckWfcu ¼fQjdh½ dks fMCch ¼ckWfcu dsl½ esa MkyukckWfcu ¼fQjdh½ dks fMCch ¼ckWfcu dsl½ esa MkyukckWfcu ¼fQjdh½ dks fMCch ¼ckWfcu dsl½ esa MkyukckWfcu ¼fQjdh½ dks fMCch ¼ckWfcu dsl½ esa Mkyuk

1- ckWfcu ¼fQjdh½ dks ckWfcu dsl ¼fMCch½ esa bl rjg j[ksa fd /kkxs dk fljk viuh rjQ jgsA

2- /kkxk ckWfcu dsl ¼fMCch½ ds dVs gq, Hkkx ls yxHkx rhu bap ckgj fudky nsaA

3- ckWfcu dsl ¼fMCch½ dh iŸkh dks mBkdj uhps e’khu esa yxs ’kVy fiu esa yxkdj iŸkh dks NksM+ nsaA

4- ckWfcu ¼fQjdh½ tc ’kVy esa lgh rjg yx tkrh gS rks Vd* dh vkokt vkrh gSA

ckWfcu ¼fQjdh½ ds /kkxs dks uhps ls Åij ykukckWfcu ¼fQjdh½ ds /kkxs dks uhps ls Åij ykukckWfcu ¼fQjdh½ ds /kkxs dks uhps ls Åij ykukckWfcu ¼fQjdh½ ds /kkxs dks uhps ls Åij ykuk

1- lqbZ esa Mkys x, /kkxs ds fljs dks ck,a gkFk ls idMs+aA

2- NksVs ¶ykbZ Oghy dks /khjs&/khjs viuh vksj ?kqek,aA

3- lqbZ dks uhps tkus nsa rFkk gkFk ls /kkxs dks idM+dj j[ksa mlls /kkxk vius vki Åij vk tk,xkA

4- /kkxs ds nksuksa fljksa dks izs’kj QqV ds uhps ls ihNs dh vksj dj nsaA

flykbZ ’k q: djukflykbZ ’k q: djukflykbZ ’k q: djukflykbZ ’k q: djuk

1- igys /kkxk uhps ls Åij djsaaA

2- diM+s+ ds ftl Hkkx dh flykbZ djuh gks mls izs’kj QqV ds uhps nck,aA diM+s+ ds ,d fdukjs dks lh/ks gkFk dh rjQ j[ksaA

3- e’khu ds NksVs ¶ykbZ Oghy dks ?kqekdj flykbZ ’kq# djsaaA diM+s+ dks ck,a gkFk ls /khjs&/khjs f[kldk,aA

4- flykbZ [kre djus ds ckn 2 bap /kkxk NksM+dj dkVsaA

pj.k 3% lg;ksxh }kjk flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrksa ij ppkZpj.k 3% lg;ksxh }kjk flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrksa ij ppkZpj.k 3% lg;ksxh }kjk flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrksa ij ppkZpj.k 3% lg;ksxh }kjk flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrksa ij ppkZ− uhps fy[kh tkudkjh fdlh ,d izf’k{k.kkFkhZ dks i<+us dks dgsaA− tkudkjh dks mnkgj.k dh enn ls le>k,aA

fp= 37fp= 37fp= 37fp= 37

ckWfcu dks ckWfcu dsl esa MkyukckWfcu dks ckWfcu dsl esa MkyukckWfcu dks ckWfcu dsl esa MkyukckWfcu dks ckWfcu dsl esa Mkyuk

fp= 38fp= 38fp= 38fp= 38

diM+s dh flykbZ djukdiM+s dh flykbZ djukdiM+s dh flykbZ djukdiM+s dh flykbZ djukflykbZ ’kq: djukflykbZ ’kq: djukflykbZ ’kq: djukflykbZ ’kq: djuk flykbZ ds ckn /kkxk dkVukflykbZ ds ckn /kkxk dkVukflykbZ ds ckn /kkxk dkVukflykbZ ds ckn /kkxk dkVuk

4 74 74 74 7


flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsaflykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsaflykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsaflykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrsa

1- e’khu dks vanj&ckgj ls vPNh rjg lkQ djuk pkfg,A

2- lqbZ diM+s ds fglkc ls gksuh pkfg,A

3- lqbZ dks lgh rjg ls e’khu esa yxkuk pkfg,A

4- /kkxk diM+s+ ds fglkc ls gksuk pkfg,A

5- Åij&uhps ds /kkxs dk f[kapko ,d tSlk gksuk pkfg,A

6- flykbZ djrs le; >qddj ughaaaaa cSBuk pkfg,A

7- flykbZ e’khu ds ck,a rjQ mtkyk gksuk pkfg,A

8- Åij&uhps dk /kkxk 10 ls 12 ls-eh- ckgj fudyk gksuk pkfg,A

9- flykbZ djus ls igys diM+s ds lHkh Hkkx dkV dj j[k ysus pkfg, rkfd ckj&ckj mBuk u iM+sA

10- flyus ls igys diM+s ds mYVh rjQ fu’kku yxk ysus pkfg,A

11- diM+s dks dkVus ls igys izsl djds mlds ly feVk ysus pkfg, fQj MªkW¶V cukdj dfVax djuh pkfg,A

12- diM+s+ dk vf/kd Hkkx e’khu ds ckgj ck,a rjQ gksuk pkfg,A

13- flykbZ djrs le; diM+s+ dks ihNs ls ughaaaaa [khapuk pkfg,A blls flykbZ Vs<+h gks tkrh gSA

14- flyrs le; diM+s dks lqbZ ls yxHkx 8 ls-eh- dh nwjh ls idM+uk pkfg,A

15- xje o fizafVM diM+ksa ij igys dPph flykbZ djsaa mlds ckn iDdh flykbZ djuh pkfg,A

16- flykbZ ’kq: o [kre djrs le; FkksM+h nwj rd flykbZ dks iDdk dj ysuk pkfg,A

17- flykbZ [kre gksus ij izs’kj QqV dks mBkdj /kkxs dks FkksM+k lk [khapdj diM+k ckgj fudkyus ds ckn de ls de8 ls-eh- /kkxk NksMdj dkVuk pkfg,A

18- /kkxs esa xBku ughaaaaa gksuh pkfg,A

19- vxj gkFk dh e’khu dk mi;ksx djuk gks rks e’khu yxHkx 30 ls-eh- dh ÅapkbZ ij gksuh pkfg,A

20- tkyh] tkjtV vkfn ckjhd diM+s flyrs le; muds uhps iryk dkxt yxk ysuk pkfg, o ckn esa dkxt QkM+ nsukpkfg, D;ksafd blls flykbZ vPNh vkrh gSA

21- [kkdh ;k mlh rjg ds eksVs diM+kas ij flykbZ djus ls igys mUgsa lkcqu ds ikuh esa fHkxks nsuk pkfg,A ekse ;k lkcqudks flykbZ okyh txg ij yxkuk pkfg,A blls flykbZ vklkuh ls yx tkrh gSA

22- ckWfcu dsl dks ’kVy esa yxkrs le; Vd* dh vkokt vkuh pkfg,A

23- tc ,sls nks diM+ks dks ,d lkFk flyuk gks ftuesa ,d dk fdukjk mjsc gks vkSj nwljs dk lh/kk gks rks mjsc diM+s dksÅij j[kdj igys dPpk djuk pkfg, rkfd diM+k ljd u tk,aA

24- flykbZ e’khu ij dke djrs le; LVwy dh ÅapkbZ bruh gksuh pkfg, ftlls iSj ik;nku ij vklkuh ls igaqp ldsaA


bl l= esa geus flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrksa ds ckjs esa i<+k o le>kA vxj bl l= ls tqM+s vkidsiz’u gSa rks iwNsaA


vxys l= esa ge flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dk j[k&j[kko ds ckjs esa i<+saxs o le>asxsA

4 84 84 84 8


l= 7% flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dkl= 7% flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dkl= 7% flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dkl= 7% flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dkj[kj[kkoj[kj[kkoj[kj[kkoj[kj[kko


fiNys l= esa geus flykbZ e’khu ij dke djrs le; /;ku j[kus okyh ckrksa ds ckjs esa i<+k o le>kA

bl l= esa ge flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dk j[kj[kko ds ckjs esa i<+saxs o le>sxsaA

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk flykbZ e’khu dh lkQ&lQkbZ ij tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu dh lkQ&lQkbZ ij tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu dh lkQ&lQkbZ ij tkudkjhpj.k 1% lg;ksxh }kjk flykbZ e’khu dh lkQ&lQkbZ ij tkudkjh− uhps fy[kh tkudkjh i<+sa vkSj le>k,aA− izzf’k{k.kkfFkZ;ksa dks rc rd le>k,a tc rd fd tkudkjh le> esa u vk tk,A− pj.k ds var esa ,d ckj nksgjko djok,aA

uhps fy[ks dFku dks i<+sa vkSj le>k,a &**ckgjh ifo=rk ;|fi ,d ’kkjhfjd oLrq gS ijUrq vk/;kfRedrk ij bldk xgjk izHkko iM+rk gS & fueZy vkSj ifo= nsg dk

xq.k euq"; dh vkRek ij Hkh izHkko Mkyrk gSA**

gekjk ’kjhj vkSj gekjh vkRek ,d nwljs ls tqM+s gSaA blfy, gekjs ’kjhj ds LokLF; dk gekjh vkRek ds LokLF; ij xgjk vlj gksrkgSA viuh vkRek dks LoLFk j[kus ds fy, gesa vius ’kjhj dks lkQ j[kuk t:jh gSA flykbZ e’khu dks yEcs le; rd lqpk: <axls pykus ds fy, lQkbZ vkSj ns[kHkky dh t:jr gksrh gSA ftlls flykbZ e’khu T;knk fnuksa rd vPNh rjg ls dke djrh gSAflykbZ djrs le; gesa e’khu ds j[k&j[kko o mls lkQ j[kus dh iwjh tkudkjh gksuh pkfg,A

flykbZ e’khu dh lkQ&lQkbZflykbZ e’khu dh lkQ&lQkbZflykbZ e’khu dh lkQ&lQkbZflykbZ e’khu dh lkQ&lQkbZ

flykbZ e’khu dks cz’k ;k eqyk;e diM+s ls lkQ djuk pkfg,A cz’k ls lkQ djus ds ckn eqyk;e diM+s ls /kwy] feV~Vh] vkfn lkQdjuk pkfg,A e’khu dh lQkbZ nks rjg ls dh tkrh gSA ckgj ls lkQ djuk] vanj ls lkQ djukA

1- ckgj ls lkQ djuk1- ckgj ls lkQ djuk1- ckgj ls lkQ djuk1- ckgj ls lkQ djuk

flykbZ djus ls igys e’khu dks eqyk;e diM+s ls vPNh rjg iksaN ysuk pkfg,A blls ckgj dk dpjk e’khu ds vanj ughaaaaa tk,xkAe’khu ij flyus okyk diM+k Hkh xank ughaaaaa gksxkA

2- vanj ls lkQ djuk2- vanj ls lkQ djuk2- vanj ls lkQ djuk2- vanj ls lkQ djuk

e’khu dks pykus ij NksVs&NksVs /kkxs vkSj js’ks e’khu ds ’kVy vkSj nanjky ¼QhM MkWx½ esa Qal tkrs gSaA ftlls e’khu Hkkjh pyrhgS vkSj vkokt Hkh djrh gSA dHkh&dHkh e’khu :d&:d dj pyrh gSA blfy, e’khu dk ’kVy [kksydj vkSj nanjky ¼QhM MkWx½vanj ls lkQ djuk pkfg,A blh rjg Qsl IysV esa /kwy vkSj rsy te tkrk gS blfy, Qsl IysV dks [kksydj lkQ djuk pkfg,A

¼2-1½¼2-1½¼2-1½¼2-1½ ’kVy dks lkQ djuk ’kVy dks lkQ djuk ’kVy dks lkQ djuk ’kVy dks lkQ djuk

’kVy dks [kksydj ’kVy esa Qaals js’ks vkSj dpjs dks cz’k ls lkQ djuk pkfg, fQj mls diM+s ls iksaN dj e’khu esa yxkukpkfg,A

fp= 39fp= 39fp= 39fp= 39

’kVy dks [kksydj lkQ djuk’kVy dks [kksydj lkQ djuk’kVy dks [kksydj lkQ djuk’kVy dks [kksydj lkQ djuk

4 94 94 94 9


fp= 40fp= 40fp= 40fp= 40

Qsl IysV dks [kksydj lkQ djukQsl IysV dks [kksydj lkQ djukQsl IysV dks [kksydj lkQ djukQsl IysV dks [kksydj lkQ djuk

QhM MkWx ¼nanjky½ dh lQkbZ djukQhM MkWx ¼nanjky½ dh lQkbZ djukQhM MkWx ¼nanjky½ dh lQkbZ djukQhM MkWx ¼nanjky½ dh lQkbZ djuk

fp= 41fp= 41fp= 41fp= 41

¼2-2½¼2-2½¼2-2½¼2-2½ Qsl IysV ¼lkeus dh IysV½Qsl IysV ¼lkeus dh IysV½Qsl IysV ¼lkeus dh IysV½Qsl IysV ¼lkeus dh IysV½

e’khu dh Qsl IysV dks [kskydj vanj okys Hkkx dks dIkM+s ls lkQ djds rsy nsuk pkfg,A

¼2-3½¼2-3½¼2-3½¼2-3½ QhM MkWx dks lkQ djuk ¼nanjky½QhM MkWx dks lkQ djuk ¼nanjky½QhM MkWx dks lkQ djuk ¼nanjky½QhM MkWx dks lkQ djuk ¼nanjky½

uhMy IysV ij yxs isapks dks [kksydj nk¡rks esa Qals js’ks] /kkxs vFkok feV~Vh vkfn dks Hkh vPNh rjg ls lkQ djukpkfg,A fQM MkWx dks [kksydj mlesa Qalk dpjk fudkyuk pkfg,A uhMy IysV ds isap dks [kksydj QhM MkWx dksckgj fudky ldrs gSaA

uksV% e’khu dh lQkbZ djus ds fy, e’khu ds iqtksZaa dks ,d lkFk ughaaaaa [kksyuk pkfg, D;ksafd ;fn gesa e’khu ds iqtksZaaa dk Kku ughaaaaa gSrks iqtksZaa dks lgh txg ij ughaaaaa yxk ik,axsA

pj.k 2% lg;ksxh }kjk flykbZ e’khu esa rsy nsus ds rjhds ij tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu esa rsy nsus ds rjhds ij tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu esa rsy nsus ds rjhds ij tkudkjhpj.k 2% lg;ksxh }kjk flykbZ e’khu esa rsy nsus ds rjhds ij tkudkjh− uhps fy[kh tkudkjh i<+sa vkSj le>k,aA− izf’k{k.kkfFkZ;ksa dks flykbZ e’khu ds ikl ys tkdj e’khu esa rsy Mkyus dk rjhdk crk,aA− izf’k{k.kkfFkZ;ksa dks e’khu ds lHkh Nsnksa esa rsy Mkydj fn[kk,aA− vxj fdlh izf’k{k.kkFkhZ dks tkudkjh le> esa ughaaaaa vk, rks fQj ls le>k,aA

flykbZ e’khu esa rsy nsukflykbZ e’khu esa rsy nsukflykbZ e’khu esa rsy nsukflykbZ e’khu esa rsy nsuk

flykbZ e’khu dks lkQ djus ds ckn gh rsy nsuk pkfg,A rsy nsus ls e’khu gYdh pyrh gS vkSj vkokt ughaaaaa djrh gSA rsy nsusls e’khu ds iqtksZaaa esa dhV ¼tax½ Hkh ughaaaaa yxrh gSA blls flykbZ dk Vk¡dk Hkh vPNk vkrk gSA e’khu esa rsy nsrs le; uhps fy[khckrksa dks /;ku esa j[kuk pkfg,A

e’khu esa vanj&ckgj rsy nsuke’khu esa vanj&ckgj rsy nsuke’khu esa vanj&ckgj rsy nsuke’khu esa vanj&ckgj rsy nsuk

1-1-1-1- e’khu esa rsy ges’kk lQkbZ djus ds ckn nsuk pkfg, D;ksafd rsy e’khu dk Hkkstu gSA

2-2-2-2- tgka Hkh nks iqtsZ vkil esa Vdjkrs gSa ogha ij iqtsZ jxM+ [kkrs gSa blfy, bu txgksa ij rsy nsuk t:jh gSA

5 05 05 05 0


e’khu ds uhps ds 15 Nsn tgka rsy fn;k tkuk pkfg,e’khu ds Åij 11 Nsn tgka rsy fn;k tkuk pkfg,

fp= 42fp= 42fp= 42fp= 42

3-3-3-3- e’khu esa Åij 11 vkSj uhps 15 Nsn gksrs gSa muesa rsy nsuk pkfg,A rsy nsus ds ckn e’hku dks FkksM+h nsj [kkyh pyk,aA dksbZHkh diM+k flyus ls igys jQ diM+s ij flyuk pkfg, ftlls rsy yxus ls diM+s [kjkc u gks tk,A

4-4-4-4- tks yksx jkst 10 ls 12 ?kaVs dke djrs gSa e’khu esa jkst rsy nsuk pkfg,A tks yksx lIrkg esa 3&4 ?kaVs e’khu pykrs gSa mUgsalIrkg esa ,d ckj rssy nsuk pkfg,A dHkh&dHkh dke djus okyksa dks eghus esa ,d ckj rsy nsuk pkfg,A

5-5-5-5- e’khu dk rsy vPNh xq.koRrk ¼DokfyVh½ okyk gksuk pkfg,A

6-6-6-6- e’khu esa feV~Vh ¼?kklysV½ dk rsy] ljlksa dk rsy vkfn ughaaaaa Mkyuk pkfg,A blls iqtsZ [kjkc o tYnh f?kl tkrs gSaA e’khuesa dsoy e’khu ds rsy dk mi;ksx djuk pkfg,A

pj.k 3% lg;ksxh }kjk e’khu dh mfpr j[kj[kko o ns[kHkky ij tkudkjhpj.k 3% lg;ksxh }kjk e’khu dh mfpr j[kj[kko o ns[kHkky ij tkudkjhpj.k 3% lg;ksxh }kjk e’khu dh mfpr j[kj[kko o ns[kHkky ij tkudkjhpj.k 3% lg;ksxh }kjk e’khu dh mfpr j[kj[kko o ns[kHkky ij tkudkjh− uhps fy[kh tkudkjh i<+sa vkSj le>k,aA− izf’k{k.kkfFkZ;ksa ls tkudkjh iwNsa vkSj muds mÙkj lqusaA− pj.k ds var esa tkudkjh dk nksgjko djok,aA

flykbZ e’khu dk mfpr j[kj[kkoflykbZ e’khu dk mfpr j[kj[kkoflykbZ e’khu dk mfpr j[kj[kkoflykbZ e’khu dk mfpr j[kj[kko

e’khu dh lQkbZ o mlesa rsy nsus ds lkFk&lkFk e’khu ds j[kj[kko dh Hkh tkudkjh gksuk t:jh gSA

1-1-1-1- <addj j[kuk<addj j[kuk<addj j[kuk<addj j[kuk

dke [kre gksus ds ckn e’khu dks lko/kkuh ls <ad dj j[kuk pkfg,A ;fn <Ddu esa rkyk gks rks e’khu esa rkyk yxk nsukpkfg, rkfd e’khu esa feV~Vh u tk,a vkSj u gh cPps e’khu ls NsM+NkM+ dj ldsaA

2-2-2-2- e’khu dks cPpksa ls nwj j[kuke’khu dks cPpksa ls nwj j[kuke’khu dks cPpksa ls nwj j[kuke’khu dks cPpksa ls nwj j[kuk

e’khu dks cPpksa ls nwj j[kuk pkfg, ftlls cPps e’khu eas maxyh u Mky ldsa vkSj dksbZ uqdlku u gksA

3-3-3-3- e’khu dks xhys LFkku ls nwj j[kuke’khu dks xhys LFkku ls nwj j[kuke’khu dks xhys LFkku ls nwj j[kuke’khu dks xhys LFkku ls nwj j[kuk

e’khu dks xhys vFkok ueh okyh txg ls nwj j[kuk pkfg,A e’khu dks xhyh txg ij j[kus ls iqtksZa esa tax yx tk,xk] ftllse’khu tYnh [kjkc gks tk,xh o ydM+h dk ckWDl gksus ls og Qwy tk,xkA blfy, e’khu dks xhyh txg ls nwj lqjf{kr txgij j[kuk pkfg,A

4-4-4-4- LVkWi ¼eks’ku½ LØw <hyk djukLVkWi ¼eks’ku½ LØw <hyk djukLVkWi ¼eks’ku½ LØw <hyk djukLVkWi ¼eks’ku½ LØw <hyk djuk

dke [kre gksus ds ckn bl LØw dks <hyk dj nsuk pkfg,A blls e’khu dks xfr ughaaaaa feyrh o cPpksa ds NsM+us ls /kkxk ughaaaaaQalrk rFkk lqbZ VwVus dk Mj Hkh ughaaaaa jgrkA

5-5-5-5- isz’kj QqV uhps djukisz’kj QqV uhps djukisz’kj QqV uhps djukisz’kj QqV uhps djuk

e’khu dks can djrs le; izs’kj QqV dks ges’kk uhps dj nsuk pkfg,A

6-6-6-6- lqbZ ls /kkxk fudkyuklqbZ ls /kkxk fudkyuklqbZ ls /kkxk fudkyuklqbZ ls /kkxk fudkyuk

dke [kre gksus ds ckn lqbZ ls /kkxk fudky nsuk pkfg, rkfd e’khu esa /kkxk u QalsA

5 15 15 15 1



bl l= esa geus flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dk j[kj[kko ds ckjs esa i<+k o le>kA vxj bl l= ls tqM+svkids iz’u gSa rks iwNsaA

uksV % izf’k{k.kkfFkZ;ksa ds lHkh iz’uksa dk mÙkj nsaA tc lHkh izf’k{k.kkFkhZ larq"V gks tk,a rks dgsaa]

vxys l= esa ge flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik; i<+saxs o le>saxsA

l= 8% flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;l= 8% flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;l= 8% flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;l= 8% flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;


fiNys l= esa geus flykbZ e’khu dh lkQ&lQkbZ] rsy nsuk vkSj e’khu dk j[kj[kko ds ckjs esa i<+k o le>kA

bl l= esa ge flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik; i<+saxs o le>saxsA


pj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZpj.k 1% lg;ksxh }kjk ’kq:vkrh ppkZ− uhps fy[kh tkudkjh i<+sa vkSj le>k,aA− pj.k ds var esa i<+kbZ xbZ tkudkjh dk nksgjko djok,aA

flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik;

flykbZ e’khu pykrs le; dbZ ckj e’khu esa [kjkch vk tkrh gS ftlls flykbZ djus esa ijs’kkuh gksrh gSA ge bu [kjkfc;ksa ds dkj.ktkuus ds ckn bUgsa ?kj ij gh Bhd dj ldrs gSaA e’khu esa vkus okyh [kjkfc;kaa bl izdkj gSaA

1- e’khu Hkkjh pyuk

2- /kkxk ckj&ckj VwVuk

3- lqbZ VwVuk

4- cf[k;k Bhd ughaaaaa vkuk

5- diM+k bdV~Bk gksuk ¼diM+k vkxs ughaaaaa ljduk½

6- /kkxs ds xqPNs vkuk

7- Vk¡dk NksM+uk

pj.k 2% lg;ksxh }kjk e’khu Hkkjh pyuk] lqbZ VwVuk vkSj /kkxk ckj&ckj VwVus ij tkudkjhpj.k 2% lg;ksxh }kjk e’khu Hkkjh pyuk] lqbZ VwVuk vkSj /kkxk ckj&ckj VwVus ij tkudkjhpj.k 2% lg;ksxh }kjk e’khu Hkkjh pyuk] lqbZ VwVuk vkSj /kkxk ckj&ckj VwVus ij tkudkjhpj.k 2% lg;ksxh }kjk e’khu Hkkjh pyuk] lqbZ VwVuk vkSj /kkxk ckj&ckj VwVus ij tkudkjh− uhps fy[ks dkj.k o Bhd djus ds mik; ,d&,d djds i<+sa o le>k,aA− pj.k ds var esa lHkh izf’k{k.kkfFkZ;ksa ls iwNsa fd tkudkjh le> vkbZ ;k ughaaaaaA− vxj t:jr eglwl gks rks ,d ckj fQj ls le>k,aA

1- e’khu Hkkjh pyuk1- e’khu Hkkjh pyuk1- e’khu Hkkjh pyuk1- e’khu Hkkjh pyuk

dkj.kdkj.kdkj.kdkj.k Bhd djus ds mik;Bhd djus ds mik;Bhd djus ds mik;Bhd djus ds mik;

1 ’ kVy esa /kkxk Qal x;k gksA 1 ’ kVy [kksydj mlesa Qalk /kkxk fudkyuk pkfg,A

2 e’ khu es dkQh le; ls rsy u fn;k x;k gksA 2 e’ khu dks lkQ djds mlesa rsy Mkyuk pkfg,A

3 ckWfcu okbaMj nck gqvk gksA 3 ckWfcu okbaMj dks mBkdj j[kuk pkfg,A

4 iqtksZa esa tax ¼dhV½ yx xbZ gksA 4 ftu IkqtksZ esa tax yxh gks rks mu iqtksZa dks cny nsuk pkfg,A

5 izs’ kj jsX;qysfVax LØw cgqr dlk gqvk gksA 5 izs’ kj jsX;qysfVax LØw dks diM+s ds fglkc ls dluk pkfg,A

5 25 25 25 2



1 lqbZ uhMy ckj esa lgh rjg ls fQV ugha yxh gksA 1 lqbZ dks uhMy ckj esa lgh rjg ls yxkuk pkfg,A

2 lqbZ mYVh yxh gksA 2 lqbZ dks lh/kh yxkuk pkfg,A

3 lqbZ dh uksd Bhd ugha gksA 3 lqbZ dh uksd [kjkc gks rks mls cny nsuk pkfg,A

4 /kkxk diM+s ds fglkc ls ugha gksA 4 diM+s ds fglkc ls /kkxs dk mi;ksx djuk pkfg,A

5 diM+s dks vf/kd dyQ fn;k x;k gksA 5 diM+s dks /kksdj mldk dyQ mrkjdj flyuk pkfg,A


1 diM+s ds fglkc ls /kkxk ugha gksA 1 diM+s ds fglkc ls /kkxk ysuk pkfg,A

2 /kkxk Bhd ls lqbZ esa Mkyk ugha x;k gksA 2 /kkxk Bhd ls Mkyuk ¼fijksuk½ pkfg,A

3 ckWfcu cgqr T;knk Hkjh gksA 3 ckWfcu esa /kkxk T;knk ugha Hkjuk pkfg,A

4 lqbZ mYVh yxh gksA 4 lqbZ dk piVk Hkkx vanj gksuk pkfg,A

5 /kkxs esa xBku gksA 5 /kkxs esa xBku ugha gksuh pkfg,A

2- 2- 2- 2- lqbZ VwVuklqbZ VwVuklqbZ VwVuklqbZ VwVuk

3- 3- 3- 3- /kkxk ckj&ckj VwVuk/kkxk ckj&ckj VwVuk/kkxk ckj&ckj VwVuk/kkxk ckj&ckj VwVuk

pj.k 3% lg;ksxh }kjk diM+k bdV~Bk gksuk] cf[k;k Bhd ughaaaaa vkuk] /kkxs ds xqPNs o Vk¡dk NksM+us dh tkudkjhpj.k 3% lg;ksxh }kjk diM+k bdV~Bk gksuk] cf[k;k Bhd ughaaaaa vkuk] /kkxs ds xqPNs o Vk¡dk NksM+us dh tkudkjhpj.k 3% lg;ksxh }kjk diM+k bdV~Bk gksuk] cf[k;k Bhd ughaaaaa vkuk] /kkxs ds xqPNs o Vk¡dk NksM+us dh tkudkjhpj.k 3% lg;ksxh }kjk diM+k bdV~Bk gksuk] cf[k;k Bhd ughaaaaa vkuk] /kkxs ds xqPNs o Vk¡dk NksM+us dh tkudkjh

− uhps fy[ks dkj.k o Bhd djus ds mik; ,d&,d djds i<+sa o le>k,aA− pj.k ds var esa lHkh izf’k{k.kkfFkZ;ksa ls iwNsa fd a le> esa vk;k gSa ;k ughaaaaaA− vxj t:jr eglwl gks rks ,d ckj fQj ls le>k,aA

4- diM+k bdV~Bk gksukdiM+k bdV~Bk gksukdiM+k bdV~Bk gksukdiM+k bdV~Bk gksuk

5- cf[k;k Bhd ugha vkuk5- cf[k;k Bhd ugha vkuk5- cf[k;k Bhd ugha vkuk5- cf[k;k Bhd ugha vkuk


1 Åij vkSj uhps ds /kkxs dh eksVkbZ ,d tSlh ugha gksA 1 Åij vkSj uhps dk /kkxk ,d leku gksuk pkfg,A

2 uhps vkSj Åij dk /kkxk cgqr dlk gqvk gksA 2 uhps vkSj Åij ds /kkxs dk dlko cjkcj gksuk pkfg,A

3 ckWfcu dsl ¼fMCch½ dh iÙkh f?kl xbZ gksA 3 vxj ckWfcu dsl dh iÙkh f?kl xbZ gks rks mls cny nsuk pkfg,A

4 lqbZ dh uksd f?kl xbZ gksA 4 lqbZ dh uksd f?kl xbZ gks] rks mls cny nsuk pkfg,A

5 lqbZ Åaph ;k uhph yxkbZ xbZ gksA 5 lqbZ dks lgh txg ij yxkuk pkfg,A


1 lqbZ e’ khu esa Bhd rjg ls ugha yxh gksA 1 lqbZ dks e’ khu esa lgh rjhds ls yxkuk pkfg,A

2 lqbZ [kjkc gksA 2 vPNh lqbZ yxkuk pkfg,A

3 izs’ kj QqV dk isap <hyk gksA 3 izs’ kj QqV dk isap vPNh rjg ls dlk gksuk pkfg,A

4 /kkxs dks [khapdj rksM+k x;k gksA 4 /kkxs dks dSaph ls gh dkVuk pkfg,A

5 diM+k eksVk vkSj lqbZ iryh gksA 5 eksVs diM+s ds fy, eksVh lqbZ dke esa ysuk pkfg,A

6 CkkWfcu dsl e’ khu esa Bhd rjg ls ugha yxk gksA 6 ckWfcu dsl dks e’ khu esa Bhd rjg ls yxkuk pkfg,A

7 lqbZ diM+s ds fglkc ls ugha gksA 7 lqbZ diM+s ds fglkc ls gksuk pkfg,A

8 diM+k fJad u fd;k x;k gksA 8 diM+s dks fJad djds flyuk pkfg,A

9 lqbZ eqM+h gqbZ gks ;k Vs<+h gksA 9 lqbZ cny dj yxkuk pkfg,A

10 lqbZ dh uksd f?kl xbZ gksA 10 lqbZ dks cny nsuk pkfg,A

5 35 35 35 3



1 QhM MkWx Bhd ls ugha yxk gksA 1 QhM MkWx vPNh rjg ls flykbZ e’ khu esa yxkuk pkfg,A

2 lqbZ dh uksd Bhd ugha gksA 2 lqbZ dh uksd f?kl xbZ gks rks lqbZ cny nsuk pkfg,A

3 diM+k iryk vkSj /kkxk eksVk gksA 3 irys diM+s ds uhps vkSj Åij dkxt j[kdj flykbZ djuk pkfg,A

4 izs’ kj QqV fpduk ugha gksA 4 izs’ kj QqV vxj [kjkc gks rks cny nsuk pkfg,A

5 /kkxs dk dlko cjkcj ugha gksA 5 /kkxs dk dlko ,d leku gksuk pkfg,A

6- /kkxs ds xqPNs vkuk/kkxs ds xqPNs vkuk/kkxs ds xqPNs vkuk/kkxs ds xqPNs vkuk

7- Vk¡dk NksM+ukVk¡dk NksM+ukVk¡dk NksM+ukVk¡dk NksM+uk


bl l= esa geus flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik; i<+k o le>kA bl l= ls tqM+s vkids iz’u gSa rks iwNsaA


vxys l= esa ge ikB ds lHkh l=ksa dk nksgjko djsaaxsA

l= 9% ikB dk nksgjkol= 9% ikB dk nksgjkol= 9% ikB dk nksgjkol= 9% ikB dk nksgjko


fiNys l= esa geus flykbZ e’khu dh [kjkfc;ka vkSj Bhd djus ds mik; i<+s o le>sA

bl l= esa ge ikB ds lHkh l=ksa dk nksgjko djsaaxsA

l= ;kstukl= ;kstukl= ;kstukl= ;kstukpj.k 1% lg;ksxh }kjk ikB dk nksgjkopj.k 1% lg;ksxh }kjk ikB dk nksgjkopj.k 1% lg;ksxh }kjk ikB dk nksgjkopj.k 1% lg;ksxh }kjk ikB dk nksgjko− la{ksi esa ikB ds lHkh l=ksa dk nksgjko djok,aA− ;g tkuus dh dksf’k’k djsaa fd izf’k{k.kkfFkZ;ksa dks lkjh tkudkjh ;kn gS ;k ughaaaaaA− t:jr iM+us ij izf’kf{kdk dh enn ysaA


bl l= esa geus ikB ds fiNys lHkh l=ksa dk nksgjko fd;kA vc vkidks bl ikB ls tqM+h lHkh tkudkfj;ka ;kn gks xbZ gksxhA vki;s tkudkjh nwljksa dks Hkh nasA vxj bl l= ls tqM+s vkids iz’u gSa rks iwNsaA

uksV % izf’k{k.kkfFkZ;ksa ds lHkh iz’uksa dk mÙkj nsa] tc lHkh izf’k{k.kkFkhZ larq"V gks tk,a rks dgsaa]vxys l= esa ikB dh ekSf[kd ijh{kk gksxhA


1 ckWfcu esa /kkxk <hyk Hkjk x;k gksA 1 ckWfcu esa /kkxk Bhd ls Hkjuk pkfg,A

2 Åij vkSj uhps ds /kkxs dk dlko cjkcj ugha gksA 2 Åij vkSj uhps ds /kkxs dk dlko ,d leku gksuk pkfg,A

3 ckWfcu dsl esa dpjk Qal x;k gksA 3 ckWfcu dsl esa dpjk Qalk gks rks mls [kksydj lkQ djuk pkfg,A

4 QhM MkWx esa dpjk gksA 4 QhM MkWx dks [kksydj mls lkQ djuk pkfg,A

5 /kkxk Bhd ls ugha Mkyk x;k gksA 5 e’ khu esa /kkxk vPNh rjg ls Mkyuk pkfg,A

5 45 45 45 4


l= 10% ekSf[kd ijh{kkl= 10% ekSf[kd ijh{kkl= 10% ekSf[kd ijh{kkl= 10% ekSf[kd ijh{kkizf’kf{kdk }kjk ifjp;izf’kf{kdk }kjk ifjp;izf’kf{kdk }kjk ifjp;izf’kf{kdk }kjk ifjp;

vc vkidks bl ikB dh iwjh tkudkjh ;kn gks xbZ gksxhA bu lc tkudkfj;ksa dk ,d ckj fQj ls nksgjko djus ds fy, vkSj ;gtkuus ds fy, fd vkidks ;g tkudkjh ;kn gSa ;k ughaaaaa] vkidh ekSf[kd ijh{kk yh tk,xhA bl ijh{kk ds iz’u bl rjg ls cuk,ax, gSa fd ikB ds lHkh egRoiw.kZ Hkkxksa dks ’kkfey fd;k tk ldsA vki iwNs x, lHkh iz’uksa ds mÙkj nsaA


pj.k 1% lg;ksxh }kjk ekSf[kd ijh{kkpj.k 1% lg;ksxh }kjk ekSf[kd ijh{kkpj.k 1% lg;ksxh }kjk ekSf[kd ijh{kkpj.k 1% lg;ksxh }kjk ekSf[kd ijh{kk- gj izf’k{k.kkFkhZ dks lewg ls FkksM+k nwj ys tk,a fQj muls ,d&,d djds uhps fy[ks iz’uksa dk mÙkj cksydj crkus dks dgsaaA- mUgsa gj iz’u dk mÙkj lkspus ds fy, ,d fefuV dk le; nsaA- ijh{kk ysus ds fy, vki lgk;rk djus ;ksX; izf’k{k.kkfFkZ;ksa dh enn ys ldrh gSaA- tc vki fdlh izf’k{k.kkFkhZ ls iz’u iwN jgh gksa] rks bl nkSjku lewg dh vU; izf’k{k.kkfFkZ;ksaa ls ikB dk nksgjko djus dks dgsaA- ;g ijh{kk dqy 30 vad dh gSA- gj iz’u ds vkxs vad fn, x, gSaA izf’k{k.kkfFkZ;ksa dks izf’k{k.k ikB~;iqLrd esa nh xbZ tkudkjh ds vuqlkj vad nsaA vxj os iz’udk iwjk mÙkj crk,a rks iwjs vad nsa vkSj vxj os v/kwjk mÙkj crk,a rks muds }kjk crk, x, mÙkj ds vuqlkj vad nsaA

uksV % ijh{kk ds var esa vius lewg dh izf’k{k.kkfFkZ;ksa dks feys vad iUus ij fy[kdj izf’kf{kdk dks nsaA

izf’kf{kdk ds fy, uksV % izf’k{k.kkfFkZ;ksa dks feys vad ns[kus ds ckn vxj t:jr gks rks vki ikB dk nksgjko djok ldrh gSa ;k nksckjkijh{kk ys ldrh gSaA

izf’kf{kdk }kjk ikB dk lekiuizf’kf{kdk }kjk ikB dk lekiuizf’kf{kdk }kjk ikB dk lekiuizf’kf{kdk }kjk ikB dk lekiu

bl ikB esa geus vyx&vyx rjg dh flykbZ e’khuksa ds uke o muds mi;ksx ds ckjs esa i<+k rFkk flykbZ e’khu ij dke djrsle; /;ku j[kus okyh ckrsa vkSj e’khu dk lgh j[kj[kko o ns[kHkky dh tkudkjh i<+h vkSj le>hA vxj bl ikB ls tqM+s vkidsiz’u gSa rks iwNsaA


vxys l= es ge u;k ikB i<+saxs ftlesa ge flykbZ esa dke vkus okys vkStkjksa ds ckjs esa i<+saxsA

Ø-Ø-Ø-Ø- iz’ uiz’ uiz’ uiz’ u vad vad vad vad

1 flykbZ e'khuksa ds uke crk,a vkSj nks flykbZ e'khuksa dk mi;ksx crk,a\ 5

2 flykbZ e'khu ds 10 iqtksZ ds uke crk,aA mUgh esa ls 5 dk mi;ksx crk,a\ 5

3 flykbZ e'khu ij dke djrs le; fdu&fdu ckrksa dk /;ku j[kuk pkfg,\ 4

4 flykbZ e'khu dks lqpk: :i ls pykus ds fy, mldk j[k&j[kko dSls djuk pkfg,\ 4

5 flykbZ e'khu esa rsy nsuk D;ksa t:jh gS\ rsy nsus ds rjhds crk,a\ 3

6 flykbZ e'khu esa vkus okys fuEufyf[kr nks"kksa o mUgsa Bhd djus dss mik; crk,a\ 4

7 lgh@xyr crk,a 5

1- ¶ykbZ Oghy dks dluss ls /kkxk fQjdh ¼ckWfcu½ esa Hkjrk gS \ lgh@xyr

2- lqbZ esa /kkxk Øe ls Mkyuk pkfg,\ lgh@xyr

3- lqbZ dh piVh lkbM ckgj dh vksj gksuk pkfg,\ lgh@xyr

4- flykbZ [kRe djus ds ckn nks bap ¼5 ls-eh-½ /kkxk NksM+uk pkfg,\ lgh@xyr

5- fMCch ¼ckWfcu dsl½ dks 'kVy esa yxkus ij dksbZ vkokt ugha vkrh gS\ lgh@xyr

5 55 55 55 5


vkvks dvkbz&flykbz lh[ka vkj fl[kk,a - barli

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