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3. ivAwj-dr-ivAwj dI qwkq Aqy pYsy dI smyN muqwbk kImq<br />
ijauN ijauN qusIN AwpxI AwrQk XojnwvW aupr kMm krogy, qusIN dyKogy ik pYsy ƒ sur`iKAq Aqy<br />
p`ky qOr ’qy bxwaux vwlw sB qoN SkqISwlI AOzwr ‘ivAwj-dr-ivAwj dI jwdUeI qwkq’ hY[<br />
AYlbrf AweInstweIn ny iek vwrI ikhw sI ‘ies bRihmMf dI sB qoN SkqISwlI qwkq ivAwjdr-ivAwj<br />
dI ivAwj dr hY[’ ivAwj-dr-ivAwj iek bhuq hI is`Dw ivcwr hY jo hYrwn krn<br />
vwlI Awmdn idMdw hY : jy qusIN iksy inrDwirq Awmdn vwly invyS ivc pYsw pwauNdy ho Aqy aus<br />
aupr hox vwlI Awmdn ƒ muV dubwrw invyS krdy ho qW smyN dy nwl quhwfw invyS bhuq izAwdw<br />
v`D jWdw hY[ swDwrn ivAwj dr qy qusIN kyvl mUl qy ivAwj kmwauNdy ho (mqlb auh rkm ijs<br />
ƒ qusIN SurUAwq ivc invyS kIqw sI), j`d ik ivAwj-dr-ivAwj dI ivAwj dr ivc qusIN mUl<br />
dy nwl-nwl aus aupr kmwey gey ivAwj qy vI ivAwj kmwauNdy ho[<br />
soco ik ivAwj-dr-ivAwj dI qwkq 12000 rupey slwnw (mqlb 1000 rupey mhIny) dy invyS ƒ<br />
iek AijhI skIm dy qihq, jo 30 swlW ivc 9% dw ivAwj dr dy rhI hovy, kI kr skdI hY<br />
3.6 l`K rupey (mUl rkm) jo ik invyS dI rkm hY, ienHy smyN ivc v`D ky 17.83 l`K rupey bx<br />
jweygI[<br />
ivAwj-dr-ivAwj AnuSwisq invyS ƒ pursikRq krdI hY Aqy lMmy smyN vwly invyS leI sB qoN<br />
v`D kwrgr siQq huMdI hY[ aupr id`qy audwhrx ivc pihly 20 swlW ivc jo rkm bxdI hY auh<br />
isrP 6.69 l`K rupey hY[ AKIrly 10 swl ivAwj-dr-ivAwj dI qwkq ivcly guxW dy pRBwv ƒ<br />
drswauNdy hn[ ijnHyN lMmy smyN leI qusIN Awpxw pYsw AxCoihAw rKogy, aus aunHI qyzI nwl v`Ddw<br />
jweygw[ ijvyN ik aupr d`sy gey invyS ƒ jykr 40 swl leI kr idqw jwvy qW auh quhwƒ 44.20<br />
l`K rupey dyvygw[<br />
ies leI ivAwj-dr-ivAwj iek Aijhw Swndwr AOzwr hY, jo quhwƒ lMmy smyN leI kIqy Coty<br />
invySw duAwrw cMgI KwsI dOllq iek`TI ken ivc mdd krdw hY[ vDIAw hovygw jy qusIN invyS<br />
krnw CyqI SurU kr idau Ayq invyS kIqy pYsy ƒ ipAw rihx idau[ shI qrIky nwl jy ikhw jwvy<br />
qW ivAwj-dr-ivAwj hI ieko iek kwrn hY ijs kwrn quhwƒ huxy invyS krnw SurU kr dyxw<br />
cwhIdw hY[ invyS qoN bwAd, hr v`Ddy idn nwl quhwfw pYsw quhwfy leI kMm kr irhw huMdw hY Aqy<br />
quhwƒ AwrQk qOr ’qy sur`iKAq Aqy mzbUq B`ivK dyx ivc mdd krdw hY[<br />
audwrhn : ivAwj-dr-ivAwj dI qwkq<br />
sMqoS Aqy sunIl dosq hn Aqy 1 l`K rupey ƒ 10% pRqI swl dI dr qy invyS krnw cwhuMdy hn[<br />
pr sMqoS ƒ ivAwj-dr-ivAwj dI dr aupr Aqy sunIl ƒ swDwrn ivAwj dr qy hI Awpxy<br />
Awpxy invyS qy 10% dw ivAwj imlygw<br />
7
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