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isikaurtI dy bdly irx<br />
iSAr dy bdly irx lYx dw muK kwrn AwpxI in`jI loVHW dw iDAwn r`Kx dy nwl nwl Awpxy<br />
invyS ƒ bcwauxw vI huMdw hY[ lok ies irx ƒ AwpxIAW CotIAW-motIAW zrUrqW dI pUrqI krn<br />
vwsqy Aqy iSArW ƒ ibnHW vycy QoVHI qrlqw ilAwaux leI vI lYNdy hn[ iSArW dy bdly irx dI<br />
slwh ausy surq ivc id`qI jw skdI hY jy qusIN kuJ mhIinAW ivc koeI pYsw Awaux dI aumId kr<br />
rhy ho qy ivcwr jy quhwƒ pYsy dI loV pY jwvy[<br />
mu`K ivSySqwvW<br />
• BwrqI irzrv bYNk, bYNkW ƒ, fImYt hoey iSArW dw 75% Aqy aus qoN ielwvw (kwZzI iSArW)<br />
dw 50% irx dy rUp ivc dyx dI iejwzq idMdw hY[ hwlwik, ies sIsW ivckwr ikMnw irx<br />
dyxw hY, ieh hr bYNk Awp inrDwirq kr skdw hY Aqy krdw vI hY[<br />
• bYNkw kol pwirq kIqI hoeI iSArW dI sUcI huMdI hY Aqy ieh sUcI hryk dI v`KrI-v`KrI vI ho<br />
skdI hY[ ies ivc smyN-smyN qy bdlwv vI huMdw rihMdw hY[<br />
• imaucUAl PMfW dI iekweIAW bdly irx aunHW dI AYn.ey.vI. kImq qy AwDwirq huMdw hY[<br />
• irx dI rwSI jo quhwƒ imlygI, auh isikaurtI dI kImq, lwgU kIqw jw skx vwly mwrjn,<br />
irx ƒ moVn dI quhwfI smr`Qw Aqy hor SrqW aupr AwDwirq huMdw hY[<br />
• Awm qOr ’qy ivAwj dr 14-18% dy ivckwr huMdI hY[<br />
• PIs hryk bYNk dI AwpxI-AwpxI huMdI hY ijs ivc pRikirAw ivc ilAwaux dI PIs (1-<br />
1.5%) Aqy PweIlW dI PIs Awm qOr ’qy Swml huMdI hY[<br />
• ijnHW iSArW dI pUrI kImq id`qI jw cukI hovy isrP aunHW ƒ kbUulAw jWdw hY[<br />
• smUh, nwbwilkW, &rm, AYc.XU.AYP. Aqy AYn.Awr.AweI. dy nW qy jwrI kIqy gey pRmwx-p`qr<br />
ies skIm dy qihq irx lYx leI Xog nhIN mMny jWdy[<br />
# hr iek irx dy leI nvyN idSw inrdySW/pRwvDwnW ƒ jwx lvo[<br />
krYift kwrf nwl sMbMiDq rix<br />
krYift kwrf aupr irx Awm qOr ’qy jdoN koeI cwrw nw bcy qy in`jI irx vI nw imly, ausy surq<br />
ivc ilAw jWdw hY[ krYift kwrf nwl sMbMiDq irx AinSicqqw BirAw huMdw hY ijs kwrn aus<br />
dI ivAwj dr bhuq izAwdw huMdI hY[ krYift kwrf pYsw nw hox dI surq ivc vI Krcw krn dI<br />
smrQw pRdwn krdw hY[ CotI aumr dy lok ZYr-zrUrI cIzw aupr Krcw kr ky ies ddw Zlq<br />
iesqmwl krdy hn[<br />
krYift kwrf nwl juVy irx qoN dUr rho : bhuq swry lokW ƒ krYift kwrf nwl prySwnI ho rhI<br />
hY[ G`t qoN G`t dw hI Bugqwn krn nwl ieh p`kw ho jWdw hY ik quhwfw irx lMmy smyN leI clx<br />
vwlw hY[ koiSS ieh krnI cwhIdI hY ik ijMnw izAwdw ho sky lgwqwr Awpxw irx cukwauNdy rho,<br />
ies nwl quhwƒ KuSI imlygI[<br />
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