kwrj: AwpxI syvw inivRqI leI quhwƒ ikMny koS dI loV hY aus dw ihswb kro Aqy nwl aus leIikMny mwisk invyS dI loV hY, aupr id`qy tyblW dy AwDwr qy ihswb kro[1. quhwfy mwisk Krcy ( )(ihswb krn dy audyS qihq mwisk Krcy 10,000 rupey id`qy gey hn[ jy quhwfy Krcy 20,000rupey hn qW Awpxy koS ƒ 2 swl nwl guxW kr idau[2. syvw inivRqI dy smyN 5% mudrw siPRqI dI dr qoN quhwfy Krcy _____________________ikMny swl bwAd qusIN syvw inivRqhovogy[syvw inivRqI dy smyN KricAW leIhr mhIny quhwƒ ikMnI rwSI dIloV hY[syvw inivRqI dy smyN KricAW leIhr mhIny quhwƒ ikMnI rwSI dIloV hY[ (loV dw 80%)5 10 15 20 25 30(12,762.82) (16,288.95) (20,789.28) (26,532.98) (33,863.55) (43,219.42)(10,210.82) (13,031.16) (16,631.43) (21,226.38) (27,090.84) (34,575.54)syvwinivRqIhox ivcswl3. ngdI pRvwh dw nym bxweI r`Kx leI ikMny syvw inivRqI koS dI loV hY[10,210,25rupey dy KrcyleI1,031.16 rupey dyKrcy leI16,631.43 rupeydy Krcy leI21.226.38 rupeydy Krcy leI27,090.84 rupeydy Krcy leI34,575.54 rupeydy Krcy leI5 585,130.95 746,791.84 953,116.66 1,216,445.22 1,552,526.61 1,981,461.0810 1,117,707.64 1,426,509.65 1,820,627.96 2,323,633.90 2,965,611.10 3,784,954.7715 1,602,450.28 2,045,177.75 2,610,222.66 3,331,379.05 4,251,777.66 5,426,465.4320 2,043,655.17 2,608,279.41 3,328,898.92 4,428,612.31 5,422,425.66 6,920,541.7725 2,445,232.68 3,120,805.39 3,983,026.38 5,083,463.13 6,487,930.27 8,280,425.7830 2,810,742.02 3,587,298.21 4,578,402.57 5,843,330.78 7,457,735.34 9,518,170.114. Awpxy koS ƒ iqAwr krn leI quhwƒ ikMny mwisk invyS dI loV peygI[Dwrnw: qusIN joKm cu`kx dI AwpxI Smqw Anuswr ivAwj dr lY skdy ho[ihswb dy sMdrB ivc quhwƒ 10 l`K rupey dw koS iqAwr krn leI inXimq rUp ivc invyS krnwpeygw[ jy quhwfI zrUrq 20 l`K rupey dI hY qW Awpxy mwisk invyS ƒ 2 nwl guxW kr idau[ivAwj/ikMny swl10 l`K rupey dy koS leI mwisk invyS5 10 15 20 25 306% (14,321.72) (6,125.04) (3,468.51) (2,194.69) (1,471.50) (1,021.18)8% (13,621.38) (5,516.23) (2,943.09) (1,746.24) (1,093.09) (705.41)10% (12,958.11) (4,963.82) (2,489.91) (1,381.24) (804.40) (480.93)12% (12,329.91) (4,463.57) (2,101.14) (1,087.13) (587.47) (324.57)16% (11,449.24) (3,802.02) (1,622.41) (753.54) (362.77) (177.56)20
13. invyS iek pRkwr dw r`bI hukmhyT quhwfy leI kuJ idSwinrdyS id`qy gey hn pwlnw krn leI:• invyS krn qoN pihlW sp`St Aqy auicq invyS lkSw dI sQwpnq kro[• Xwd r`Koi k hr invyS ivc joKm huMdw hY[ ijvyN ijvyN sMBwivq munwPw v`Ddw hY, joKm vI v`DdwhY[• Awpxy joKm ƒ Gtwaux leI invyS ivc ivv`Dqw zrUr ilAwau[• iekvItI, irx-p`qr Aqy nkd dw shI imSrx r`Ko[• Awpxy igAwn dI sImw ƒ pihcwxo[ ijs icz bwry smJ nw Awvy aus ivc invyS nw kro[• Awpxy ih`sy dI pUrI iqAwrI kro[ ieh p`kw kr lau ik quhwƒ pqw hovy ik qusIN ik`Qy invyS krhry ho Aqy ies dw joKm, sMBwivq Awmdn Aqy quhwfy invyS dI bwzwr ivc kImq qy kI pRBwvpeygw[• Awpxy idmwg ivc invyS sMbMDI Xojnw bxwaux vyly ieh zrUr r`Kxw ik quhwfy invyS auqy AweykrvI lgxw hY[• A&vwvW jW bwzwr dIAW grm g`lW auqy AwDwirq hoky invyS nw krnw[ ieh kdy-kdwr hI TIkhuMdIAw hn[• invyS sMbMDI iksy dI rwey ijs dI quhwƒ smJ nw lgy, aus aupr A`KW bMd kr ky ivSvws nwkrnw[• AwriQk slwhkwr dy suJwA jo quhwfy muqwbk nw hox, aunHW leI ‘nhIN’ kihx qoN nw frnw[• Aijhy joKm nw lYxw ijs ƒ J`lx dI quhwfI hYsIAq nhIN hY[ joKm sihx dI AwpxI Smqw ƒsmJo[joKmAinXimq zoKminXimq zoKmiSAr dI igxqIinvyS dI rxnIqIAWivivDqw dw mnorQ v`K-v`K cIzW jW kMpnIAW ivc pYsw invyS kr ky zoKm ƒ G`twauxw huMdw hY Aqynwl hY ieh p`kw krnw ik smyN-smyN pYsw muheIAw ho sky; Bwv swry AMifAW ƒ ieko QYly ivc nwriKAw jwey[ ho skdw hY ik qusIN cwho ik quhwfw pYsw v`K-v`K sMsQwvW, v`Kry bwzwrW ivc invyS dy21