Punjabi

jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ ..ividAwrQIAW leIDnsMbMDI gweIfjIvn dy mh`qvpUrn nukqy: ‘bcq,bjIitMg, AwrQk Xojnw AqyinvyS’ sMvwd pUrvk FMg nwlisKwaux leI A`T mOifaul[iv`qI swkSrqw dI pihl ivcisikEirtIz AYNf AYkscyNj borf A`wP ieMfIAw (AYs.eI.bI.AweI.) AqynYSnl ieMstItXUt A`wP isikEirtIz mwrikt (AYn.AweI.AYs.AYm)iv`qI swkSrqw dI pihl ivcAweI.AYm.AYs. pRoskl

2 ______________________________________________________

ivqI sUcnw vMf-PlhyT ilKy kQwnW ƒ pVHky shI jW Zlq bwry d`so :1. izAwdw Dn Krcx vwlw DnI AwdmI hY[ __________2. auh lok jo inrMqr AwpxI AwmdnI qoN G`t Krcw krdy hn AksraunHW lokW qoN v`D Dnvwn huMdy hn jo AwpxI AwmdnI qoN v`DKrcdy hn[ __________3. jvwnW ƒ pYsy dI iPkr nhIN krnI cwhIdI[ ___________4. jdoN quhwfw bYNk ^wqw KwlI hovy qW qusIN pYsw nhIN ^rc skdy[__________5. bYNk ^wqw Kulvwaux leI 18 swlW dw hoxw lwzmI hY[___________6. Bwrq ivc bhuq swrIAW v`fIAW kMpnIAW ivcly munwPy coN Awpxwih`sw lYxw swfy leI sMBv hY[ _________7. jykr iksy kol rwSn kwrf nw hovy, qW auh bYNk ivc Awpxw ^wqwnhIN Ku`lvw skdw[ ________8. koeI vI AwpxI b`cq ƒ fwk Gr ivc r`K skdw hY[___________9. 18 swlW qoN G`t aumr dw bMdw bYNk qoN lon lYx leI ArzI dyskdw hY[ _________10. jdoN qusIN b`cq krdy ho, ieh vDdw hY[ __________myrw ivqI sUcnw vMf-Pl = shI nMbr / 10 = ____________4 ______________________________________________________

auicqAwpxy swQI dI mdd nwl, imstr b^SI dI sMpqI Aqy dyxdwrIƒ pCwxo Aqy ausdI b`cq dw ihswb lwau[vsqU kImq (rupey) sMpqI dyxdwrIbYNk ^wqy’c jmw rkm 36,678kwr lon 1,35,000vwiSMg mSIn 3000sony dy gihxy 58,000SyArW dI kImq 40,000jIvn bImw 78,000sMpqI : jo quhwfI AwpxI hY[dyxdwrIAW : duijAW dw dyx vwlwpYsw[nY~t-vrQ = sMpqI – dyxdwrIAWPrnIcr 10,000tYlIvIzn 21,000Axid`qw Gr dw ikrwieAw 7000Axid`qw Pon ib`l 1500jmw rwSI (AYP.fI.) 10,000ijmnyzIAm dI Axid`qI PIs 800kwr 2,95,000dosq ƒ auDwr id`qI rkm 1,00,000kul sMpqIKul dyxdwrIb`cq (nyt vrQ)iek jwdueI Sbd ijhVw imstr b^SI dI smìsAw dw h`l hovygw :_____________6 ______________________________________________________

pRwpq krnw… sQwpq krnw… tIcw!!ivSySmwpxXogsmyN dy pwbMDsmwrt (cusq) tIcwXQwrQkpRwpqI XogkI smwrt (cusq jW suMdr) hY kI nhIN ?AcusqivSyS mYN grmI dIAW CùtIAW ’cAwpxy dosqW nwl ikqy jwxwcwhuMdw hW[cusqmYN grmI dIAW Cu`tIAW ’cAwpxy dosqW nwl iSmlyjwxw cwhuMdw hW[mwpXogmYƒ iSmly dI sYr leI kuJpYsy joVny cwhIdy hn[mYƒ iSmly dI sYr leI 1000rupdy joVny cwhIdy hn[pRwpqXogmYN swry pYisAW dw pRbMD AwpkrWgw[mYN Awpxy mwipAW qoN 500rupey mMgwgW qy bwkI dy AwpyjoV lvWgw[XQwrQmYN 100 rupey bcwA ky ieklwtrI dI itkt KrIdWgw[mYN Agly pMj mhIinAW leIhr mhIny 100 rupey joVWgw[smyN dypwbMDmYN jldI hI kdy vI kuJ DnjoVnw cwhuMdw hW[mYN mwrc dy pihly hPqy ’chI pYsy joV lYxw cwhuMdw hW[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________7

imstr b^SI dw ‘supnw : auh fI.vI.fI. plyAr KrIdxw cwhuMdwhY[imstr b^SI dw cusq tIcw :________________________________________________________________________________________iPMswieklopIfIAwjykr quhwƒ ieh pqw nw hovy ik golpost ikQy hY qW Pu`tbwl dI Kyf ivcqusIN bhuq dUrsq nhIN jw skdy ieMjhI jIvn dI Kyf hY[- Aw`rnlf. AYc.glwsgoAwpxy swQI dy nwl hyT ilKy ividAwrQIAW dy Kwky pVHo Aqy hrykleI iek cusq tIcw sQwpq kro[1) nW : irqivk pwTkaumr : cOdHW (14)skUl : id`lI pbilk skUlSONk : SbdW nwl Kyfxwsupnw : skRYbl (borf Kyf) dw nvW mwfl KrIdxw cwhudw hY[cusq tIcw :__________________________________________________________________________________2) nW : slonI myhqwaumr : 15skUl : syNt zyvIArsSONk : nvyN nvyN im`qr bnwauxw Aqy aunHW qoN bhuq kuJ isiKAwpRwpq krnw[supnw : mnwlI ’c smr kYNp jwx leI ausdI PIs leI kuJpYsy joVnw[cusq tIcw :__________________________________________________________________________________3) nW : rohn ssIDrnaumr : 14skUl : kyNdrI ividAwlwSONk : AnoKI igtwr …… ijsƒ Cotw mwstrIE vI kihMdy nysupnw : kw`lj pRvyS krn qoN pihlW AwpxI injI igtwrKrIdxwcusq tIcw :__________________________________________________________________________________8 ______________________________________________________

mW dy ipAwr leIsìcn iqRvydI 14 swlW dw muMfw hY jo ik Awpxy mwipAW dy nwl jYpur ivc rihMdwhY[ sìcn Awp kMm kr ky Awpxw injI pYsw joVnw cwhuMdw hY pr aus dw skUlAqy krwty dIAW klwsW aus ƒ ieMnw ruJyvyN ’c r`KdIAW hn ik aus kol nW hIaurjw qy nw hI smW inkl pWdw hY[sìcn dy mwpy 1400 rupey mhInw B`qw aus ƒ idMdy hn[ ies B`qy ivcoN aus ny 600rupey skUl bs dI PIs dyxI huMdI hY ikauNik aus ny skUl kwPI dyr rihxw huMdw hYies leI 300 rupey aus dy kYntIn ib`l dy Krc ho jWdy hn[ aus dy ipqw jI ausƒ sYlPon dy pRIpyf vwaucr leI 200 rupey mhInw idMdy hn Aqy 50 rupey mhInwkuJ stySnrI Awid KrIdx leI vI idMdy hn[ aus ƒ hr mhIny stySnrI dI loVnhIN huMdI ies leI A`Dy pYisAw ’coN kdy-kdy auh AweIskRIm Aqy kYNfI AwidKrId lYNdw hY[ hux sìcn iPlmW dw vI bVw SOkIn hY yq mhIny ’c G`to-G`t doiPlmW Awpxy im`qrW nwl vyKxw vI psMd krdw hY[ ijvyN ik auh Awp kuJ AwpxwkmwauNdw nhIN ies leI jykr aus ƒ PwlqU pYisAW dI loV hovy qW auh AwpxymwipAW qoN mMgdw hY[bwkI bìcAW vWg, sìcn vI AwpxI mwqw jI ƒ bhuq ipAwr krdw hY[ iqMnmhIinAW bwAd aunHW dw jnm idn hY qy sìcn aunHW ƒ jnm idn qy AcwnkhYrwnkun quhPw idxw cwhuMdw hY[ Asl ivc au~qm quhPw auh aunHW leI cux vIcuìkAw hY[ sìcn dI mwqw jI ƒ ryKw icqr vwhux dw bVw SONK hY qy sìcn nyskYicMg sY~t ijsdI kImq 540 hY vI psMd kIqw hoieAw hY[ sìcn ƒ hux smJnhIN AwauNdw ik auh hux kI kry? Aus dy mwipAW ny aus ƒ iksy qoN hudwr lYx dIs^q mnwhI kIqI hoeI hY ies leI auh Awpxy im`qrW qoN hudwr vI nhIN lY skdw[sB qoN v`fI g`l qW ieh hY ik jy auh lY v lvy qW vwips ikvyN moVygw? ikauNik auhkmwauNdw kuJ nhIN qy auh Awpxy ipqw jI ƒ AwpxI Xojnw bwry vI nhIN dsxwcwhuMdw qW iPr auh Awpxy mwqw jI ƒ aunHW dy jnm idn qy skYicMg sY~t ikvyN lY kydyvy ?sìcn dw cusq tIcw :___________________________________________________________________________________________________________________________sìcn dy KridAW dy ivSlySx dI loV jW cwhqsUcI rwSI loV cwhqjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________9

dUjI bYTkbjt bnwauxw : AwmdnI Aqy Krcy ’c sMquln krnwAwmdnIKrcwmyrI AMqm jmwpUMjI• mnu`K dy Krcy nhIN sgoN aus dI jmwpUMjI hI aus dy Dn dI AslIsUck hY[• jykr Awpxy supinAW ƒ swkwr krnw hovy qW aunHW ƒ cusq tIicAW’c bdlo[ cusq tIcw hI auic`q mwpXog, pRwpqIXog, XQwrQk AqysmyN ’c pwbMD hY[• loVW aunHW vsqW v`l sMkyq krdIaW hn, jo bcwau leI zrUrI hn[• cwhq jW ie`CwvW aunHW vsqW vl sMkyq krdIAW hn jo swfy jIvnleI Awrwmdwiek hn[• qusIN Awpxy Dn ƒ bcwaux leI Awpxy Krcy dy FMg ivc bdlwvilAw skdy ho qW ik qusIN ivSyS AwrQk tIcy pRwpq kr sko[AYP.AweI.AYP.AweI.bYNk bYNkjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________11

ijigAwswKrcy dy KyqrDnrwSImoVn jW bdlwvqjvIz(rupey)dI guMjwieSkIqy KrcisDWqk p`KoNGwtw : AwmdnI qyAwmdnI qoN v`D kIqyKrcy Gwtw khwauNdyhn[isDWqk p`KoNvwPr Dn : vwPr Dnauh huMdY jdoN quhwfIvrqoN jW loV pUrn qyvI bicAw rihMdY hY[imstr munIS dykul Krcpihlw kys :imstr munIS dI vrqI hoeI AwmdnI : _____________imstr munIS dy GrylU Krcy : ______________AwmdnI – Krcy = _______________Gwtw :______________________________________________________________________________________dUjw kys :imstr munIS dI vrqI hoeI AwmdnI : _______________imstr munIS dy punr ivcwry GrylU Krcy : ______________AwmdnI – Krcy : _______________vwPr Dn :________________________________________________________________________________________12 ______________________________________________________

goAw clo !!!rwhul vrmw 14 virHAW dw bVw cusq muMfw hY jo ik id`lI ivc AwpxymwipAW Aqy CotI BYx irMmI jo ik 12 virHAW dI hY, nwl rihMdI[rwhul dy ipqw jI kwlj ivc pRoPYsr hn Aqy mwqw jI GrylU AOrqhY[ ieh jUn dw mhInw hY[ skUl h&qy q`k Ku`l jwxy hn[ rwhul AqyirMmI ny AwpxIAW grmI dIAW swrIAW Cu`tIAW Awpxy dwdky GrmxweIAW hn[ jdoN auh Awpxy dwdky GroN prqdy hn qW auhsrdIAW dIAW Cu`tIAW ’c iksy dUr QW qy jwx leI Cu`tIAW/ibqwauxleI AwKdy hn[ aunHW dI mwqw jI vI ies bdlwv leI hwmI Brdyhn[ jdoN aunHW dy ipqw jI kMm qoN prqxgy qW aunHW ny ieh qjvIzaunHW A`gy r`Kx dI socI hY[imstr vrmw vI Cu`tIAW ’c jwx dy ie`Cuk sn pr aunHW ny Awpxypirvwr ƒ dìsAw ik auh aunHW ƒ dUr Gumwaux lY jwx dy smr`Q nhINhn[ pr bìcAW dw tI.vI. cYnl qy goAW bwry gMty dw PIcr iPlmvyKx ny aunHW dw kMm swr id`qw[ auh qW pihlW hI hvweI ikly auswrrhy sn Aqy ryq dy mihl bxw rhy sn Aqy smuMdrI lihrW ƒ AwpxykMDwVI cwV, rhy sn[ iPr jdoN aunHW dy ipqw ny aunHW ƒ ikqy nyVy-nyVylY jwx dI qjvIz id`qI qW aunHW ny goAw jwx dI iz`d kIqI[ irMmI nyauqsukqw ’c ikhw, “pr fYfI! aunHW ny aus pRogrwm ivc goAW jwxleI srdIAW sB qoN vDIAW mOsm dìsAw sI[ audoN mOsm bhuqvDIAw huMdw hY qy soco zrW ik ‘ikRsims kwrnIvl’ au~Qy vyKxw ikMnwmzydwr rhygw[ ikrpw krky, fYfI plIz! clo au~Qy c`lIey[”isDWqk p`KoNkYS PloA stytsmYNt :quhwfI AwmdnI AqyKricAW dw ieMkrwjjW irkwrfisDWqk p`KoNbjt : bjt AwmdnIdy sroqW Aqy KricAW’c qwlmyl dI KOjnwdw nW hY jW iksy dIAwmdnI Aqy KricAWdw ^wkw[AÎr imstr vrmw ny Awpxy hiQAwr su`ty Aqy ikhw, “mYƒ lgdY ikqusIN bìcAW ny Awpxw pUrw mqw pkwieAw hoieAw hY[ bìcE! mYNquhwƒ goAw lY jwxw psMd krWgw pr ies qoN pihlW mYƒ XUnIPwrm,skUl bYg Ayq pusqkW KrIdxIAW hoxgIAW[ mYƒ quhwfI Awaux vwlysmyN ’c pVHweI leI pYsy bcwxy hoxgy[ mYN d`s hzwr rupey PwlqU k`Fskdw hW, pr aus bjt ivc goAw jwxw swfy leI AsMBv lgdwhY[”b`cy inrwS ho gey[ pr iPr aunHW dI mwqwjI ny ikhw, “AsIN iehihswb ikauN nhIN lgWdy ik goAw ivc pMj Cu`tIAW guzwrx dw ikMnwKrcw Awvygw ? qW Swied AsIN kuJ swkwr krn dy smr`Q hojweIey…” bìcAW ƒ kuJ aumId dI ikrn nzr AweI qW Awpxy ipqwjI ƒ vyrvw FUMFx leI Arz kIqI[ ipqw jI Aw`n lweIn qy gey[kuJ ihswb Agwey Aqy GoSxw kIqI ik iesdw ku`l Krcw aunHW ƒ40,000 rupey qk pvygw[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________13

aunHW dI mwqw jI ny bìcAW ƒ ikhw, “vyKo bìcE, swfy kol jwxivc Cy mhIny hn Aqy jwx leI 30,000 hor joVn dI loV hYikauNik fYfI kyvl 10,000 PwlqU dy skdy hn[ ho skdw hY jykrAsIN swry iml ky l`gIey qW AsIN Awpxy roz mrHW dy KricAW ƒie`Dr-au~Dr dy KricAW ƒ koeI moV dy ky ies bcq ivc kwmXwbho jweIey[ rwhul qUM ies kMm leI koeI ijMmyvwrI lY ky koiSS ikauNnhIN krdw?” aunHW dy ipqw ny ikhw, “ieh bVw KUbsUrq ivcwrhY[ quhwfy skUl Ajy Ku`lxy hn qW mYƒ XkIn hY ik qUM ies XojnwleI QoVw smW k`F ky pirvwr leI koeI vDIAw bjt ivENq skdwhY[ qusIN myrI g`l mMno qy mYN vI ies ivc kuJ Xogdwn dyvWgw[isDWqk p`KoNmunwsb mu`l : munwsb mu`lauh huMdY ijs ƒ pwx vwsqykuJ C`fxw pYNdw hY[ sroqsImq huMdy ny qy cwhqWAQwh[ ies leI swƒ kuJpwx leI kuJ C`fxw pYNdwhY[dovyN b`cy Awpxy ies nvIN ‘Xojnw’ leI auqsuk sn[ rwhul nyAwpxy pirvwr dIAW vKo-vKrIAW cIzW dy sMpUrn ^rc ƒ lBxleI ies imSn dI SurUAwq krn dw inrxw kIqw[vrmw pirvwr dw cusq tIcw :________________________________________________________________________________________vrmw pirvwd dy pRBwvSwlI AWkVy :• hr AYqvwr pirvwr iek iPlm vyKdw hY – 200 rupeyhryk ivAkqI leI• aus qoN bwAd lMmI sYr leI jWdy hn – 250 rupey/AYqvwr• vwpsI qy Gr AwauNidAW rwq dw Kwxw bwhr KWdy hn –500 rupey/AYqvwr• imstr vrmw kwr ivc kwlj jWdy hn- fIzl dw Krcwhryk idn – 150 rupeyrwhul ny Awpxy mwipAW dI mdd nwl vrmw pirvwr dy horKricAw dw vyrvw iek`qw kIqw[ ‘qqkwl KricAw’ dw KWcwrwhul qoN iek`qk hoeI sUcnw Anuswr Bro[ (KWcw Agly sPy qyvyKo)14 ______________________________________________________

KricAW dwhrmoVn dI jWpRsqwvq6KyqrmhInyprqn dIb`cqmhIinAWqqkwlguMjwieSdI b`cqKrcymYfIkl Aqy 2000AwpqkwlI smyNleI suriKAqr`KxwibjlI dw ib`l 2000Pon dw ib`l 2000ipkcr AqypOpkw`rn mltIplYks ivcrysqrW ’cisDWqk p`KoNdyr vwlI ie`Cw pUrqI :jo qusIN huxy pwx dIie`Cw r`Kdy hovo, quhwƒlMmy smyN dy iticAW dIpRwpqI leI aus ƒvrqmwn ’c h`s ky C`fdyxw pYNdw hY[ ieh dyrvwlIAW ie`CwvW dIpUrqI khwauNdI hY[ifnrlMmI sYr ivcfIzl dw Krcwku`lbcq dI aumId 30000dUjw kdm :24600 iek`Ty,isDWqk p`KoN5400 hwly horprcUn 5000rsd 2500pwxIBOjn 425leIqylqqkwl pRsMnqw :jdoN qusIN koeI cwhqƒ Porn pUrI kr lYNdyho qW auh quhwƒvrqmwn pRsMnqwidMdI hY[du`D 900sbzIAW 1175ipqw jI dy3900fIzl dw KrcwkpVy pRYs dw700Krcwku`lb`cq dI aumId 30000kùl b`cqjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________15

vrmw pirvwr dy bjt leI kwrj krn dI QW :16 ______________________________________________________

AwrQk isAwxp dI Jlk/ AMdwzwpRBwvSwlI bjt iqAwr krn leI swƒ zrUrI ho : bcq leI AwSwvwdI rveIAw[ iDAwn rhy ik loV qoN v`D nhIN Krcxw[ lMmy jW Coty smyN dy ivSyS iticAW leI shI FMg nwl bcqkrnI[ kuJ bVy pRBwvSwlI FMg nwl KricAW ƒ Agyry hI BugqwidMdy hn[ArQkoScusq pUrv inrIKx• invyS krn dI loVkuJ pirvwr qW bVy iDAwnnwl muqwbk cldy hn, kuJAxdyiKAw kr ky aus ƒt`p jWdy hn[• ivAwj dw sMklp• Dn leI smyN dI kImq• bYNk dI zrUrq• imSirq ivAwj dI mh`qw• rkm lwaux lìgAW 3 mu`K g`lW jo iDAwn Xog hn :surìKAqw, bYNk nkdI Aqy ivkwsjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________17

18 ______________________________________________________

qIjI bYTkinvyS : pYsy dy pODy ƒ vDwauxwmyrI AMqm jmw-pUMjI• vwDy, Gwty, mOky dI kImq, dyr Aqy q`qkwlI pRsMnqwdw sMklp[• kYS PloA stytmYNt quhwfI AwmdnI Ayq KricAW ƒlIhW qy rKdI hY[• kYS PloA stytmYNt dw ivSlySx krnw zrUrI hY[Awpxy cusq tIcy ƒ pRwpq krn leI AwpxIloV/ie`Cw dw inrIKx kro, srboqm bcq XojnwaulIko Aqy iPr Fu`kvW bjt bxwau[AYP.AweI.bYNkjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________19

ijigAwswK`tw-K`tw AcMBwiek vwrI skUL dy hostl ivc :rwj : XS, mYN skUl dI Pyt (mylw) ivc AYqvwr ƒ iSkMjvIN (lYmonyf) dwstwl lwaux dI soc irhW ikauNik ieh grmI dw mOsm hY, ies leI mYNsocdw ik lYmonyf dy kuJ gRwhk au~qy iml jwxgy[XS : rwj, ieh bhuq vDIAw iÂwl hY[ soc kI irhYN ? qYƒ ieh kMmzrUr krnw cwhIdY[rwj : TI key, pr mYƒ Awpxy mwipAW ƒ ilKx dw smW nhIN imilAwies leI mYƒ pMjwh ruipAW dI loV hY qW ik mYN iSkMjvIN (lYmonyf) dwsmwn ilAw skW[ Aw… mYN soc irhw sI ik kI qUM mYƒ Awpxy ip`gI bYNkivcoN kuJ pYsy hudwr dy skdW eyN?XS : kI auh myry pYsy moV dyvygw? mYN kI krW? myry ip`g bYNk ivc 150rupey dy krIb hn pr mYƒ pqw nhIN lg irhw ik mYN auhƒ hudwr dvW …rwj : XS, kI hoieAw jy mYN qyry koloN pMjwh rupey lvWgw qW vwpsI dw qYƒs`T rupey moVWgw[ ijMny ik ieMnI rkm qy vwijb hn … kI kihMdw ey…?XS : (aus dy mn ’c svwl auT irhY) rwj BlW mYƒ pMjwh rupey lY ky s`TikauN moVygw?ieh d`s rupey PwlqU kI hn ijs dI rwj XS ƒ pySkS kr irhw hY ?___________________________________________________________________________________________________20 ______________________________________________________

km lwaux dI loV1. cMgy Bly purwxy idnW ’c…muMfw : “mMmI kI qusIN mYƒ 150 rupey idEgy ? mYN qy myrw im`qr A`jskUl dI Cu`tI auprMq mYkfw`nlf qoN brgr Kwx dw pRogrwm bxw rhy hW[dwdw jI : (g`lbwq ƒ suxidAW) ib`tU, kI qUM jwxdYN, iek smyN ieMnypYisAW ivc mYN swrw Gr dw Krc clWdw huMdw sW[muMfw : (prySwn qy GbrwieAW hoieAw) s`cIN ? nhIN dwdw jI! qusIN myrwmzwk bxw rhy ho[dwdw jI kI sMkyq kr rhy hn ?______________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________21

2. jIauNdy rho !!!ieh qsvIrW quhwfy iÂwl’c kI sMkyq krdIAW hn ?________________________________________________________________________________3. FldI aumr dy virAW dIAW musIbqWdwdw jI : kI g`l ey! qUM prySwn nzr Aw irhY[ ikhVI cIzqYƒ pyrSwn kr rhI hY ?im`qr : hUM ! hW, Asl ivc myrI bIvI s^q bImwr hY AqyfwktrI ielwj ieMnw mihMgw hY[ myrI pYnSn keI vwr myry swryKricAW leI kwPI nhIN huMdI, ijhVy myry leI lwzmI hn[ quMjwxdw hY, hux mYN jvwn qW nhIN irhw nw[ hux mYN qnKwh nhINlYNdw[dwdw jI : s`c ikhw myry dosq[ buFwpy ƒ sOKw ijaux leI in`q dIAwmdnI dw koeI pRXojn zrUr hoxw cwhIdw hY[22 ______________________________________________________

kI koeI Aijhw swDn hY ijs nwl buFwpy ivc vI bkwiedw AwmdnIdw koeI swDn bx sky ?________________________________________________________________________________________4. byAMq supny !quhwfy iÂwl ivc ieh qsvIr kI pRgtwA rhI hY ?________________________________________________________________________________________________________________________________________________________________________________________invyS krnw ikauN zrUrI hY ? mudRw PYlwau dy ivroD ’c ieh su`K idMdI hY[ buFwpy ivc AwmdnI dw ieh it`kvW zrIAw idMdI hY[ ies nwl AsIN Awpxy jIaux dw p`Dr vDIAw bxw ky r`Kskdy hW[ vDdI dIrG aumr leI ieh bhuq loVINdI Aqy mh`qvpUrn hY[ qkrIbn swry Gt smyN Aqy v`D smyN dy AwrQk iticAW ƒpRwpq krn ivc ieh shweI huMdI hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________23

YNk hI shI QW hY!!!bMtI ƒ A`j ausdI pihlI qn^wh imlI hY[ auh bVw KuS hY Aqy aus ƒAwpxI imhnq dI kmweI ƒ Krcx dI pihlW hI ivENq bxweI hoeI hY ?pr aus ƒ iPkr hY ik auh Awpxy Dn ƒ ik`Qy surìKAq r`K skdw hY ?dUjy pwsy bMtI dw im`qr BwvyS Awpxw injI kwrobwr SurU krnw cwhuMdw hY,ijs leI aus ƒ pYisAW dI loV hY[ auh soc irhY ik auh pYsw ik`Qo hudwrlY skdw hY ?auh ikhVI AijhI QW hY jo donW dIAW muSlkW dw h`l kr skdw hY ?isDWqk qOr ’qybYNk iek AwrQk sMsQWhY ijs dw mu`K kwrjgRwhkW leI BugqwnpRiqinD dy qOr ’qy kMmkrnw hY qW ik auh pYswdy jW lY skx[_________________________________________________________________________________________________rkm lwaux dy pwvn qYR p`Krkm lgwaux dy iqMn pihlU : surìKAw, nkdI Aqy ivkwssurìKAqwisDWqk qOr ’qyrkm lgwaux nwlsMbMDq iqMn mu`K sMklp :surìKAw, nkdI Aqyivkws hn[invyS krnwivkwsnkdIAslI bYNk aurP ip`gI bYNk : AwE kuJ mu`K muidAW ƒ qulnweIey :ip`gI bYNkAslI bYNksurìKAwnkdIivkwsnot : nkdI (ilkuieiftI) qoN Bwv hY POrI rkm dw pRwpq ho jwxw[ jdoN vIkoeI aus ƒ lYxw cwhuMdw hovy qW ausy vkq nkdI pRwpq ho jwxw[G`to G`t rkm lgwaux dy iqMn shI mwrg jW rwh ilKo ijhVy qusIN socskdy ho :_________________________________________________________________________________________________24 ______________________________________________________

invyS dy mMqr1. pYsy dI smyN muqwbk kImqsimqw :• 15 swl dI aumr qoN 750 rupey pRiq swl lgwauxy SurU kIqy[• 30 virHAW dI hox qoN bwAd aus ny invyS krnw bMd kr id`qw[• aus ny ies Dn ivcoN iek pYsw vI nhIN kìFAw[jYA :• jdoN qIhW virHAW dw hoieAw qW hr vrHy 5000 rupey dI rkm invySkrnI SurU kIqI[• aus ny 60 virHAW dI aumr q`k inrMqr aunI hI rkm invyS kIqI[• aus ny iek vI pYsw aus ivcoN nhIN kìFAw[id`qw igAw : AwpxI lgweI rkm aupr donW ny 15% dw munwPw ilAw[quhwfy ivcwr ivc ienHW donW ivcoN 60 swl dI aumr ivc iks kol vDyry Dniek`Tw hovygw ?invyS dw pihlw mMqr 1 :_________________________________________________________________________________________________2. SyA – mwq (cYk - myt)!!!iek vwr dI g`l hY, iek bVw DnI rwjw huMdw sI[ auh AwpxI bu`DI kwrnAqy kwFW/AivSkwrW dw shI srpRsq hox kwrn bhuq snmwinq sI[ iekvwr iek AwdmI aus leI iek nvIN borf gym lY AwieAw ijs dI ik ausny hI Koj kIqI hoeI sI[ aus ny aus Kyf dw nW ‘cY~s’ dìsAW[ rwjw ausAwdmI nwl auh Kyf KyifAw Aqy auh ieMnw KuS hoieAw ik aus ny ausAwdmI ƒ ikhw ik Awpxy leI qUM jo vI quhPw mMgxw cwhuMdw hY mMg lY[AwdmI ny cY~s borf dy pihly Kwny leI aus kolo iek ASrPI (sony dwjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________25

is`kw) dI mMg kIqI Aqy do ASrPIAW dUjy ^wny leI[ qIjy ^wny leI cwrAqy cOQy leI A`T ASrPIAW[ iesy qrHW 64 ^winAW leI pihly qoN dugxydI mMg krdw igAw[rwjy ny ies ienwm ƒ bVw srl ijhw smiJAw pr 64vyN ^wny q`k AwdmIny aus koloN 18,446,744,073,709,551,615 ASrPIAW iek`TIAW krleIAW[ rwjw aus AwdmI ƒ AwpxI zbwn dy cuìkAW hoieAw sI, iesleI aus ƒ Awpxw iekrwr inBwauxw lwzmI sI[ ies leI Awpxw swrwKzwnw aus A`gy FyrI krn dy bwvjUd vI auh AwdmI ƒ pUrw ienwm nw dysìkAw[ieh khwxI ryKWikq krdI hY _____________________ sMklp ƒ[invyS dw dUjw mMqr 2 :_________________________________________________________________________________________________3. dUr drwz dy PwiedyhyT ilKq KWcw (tybl) quhwƒ ieh drswauNdw hY ik ikvyN iek 100 rupeydI rkm lgwaux nwl v`K-v`K ivAwj dr nwl ivksq huMdI jWdI hY :swlW dw vyrvw 5% 10% 15% 20%1 105 110 115 1205 128 161 201 24910 163 259 405 61915 208 418 814 154125 339 1083 3292 9540____________________________________________________________________________________________________________________________________________________________________________________________________26 ______________________________________________________

invyS dw qIjw mMqr 3 :__________________________________________________________________________________________________4. joiVAW dI kQWsMnI Aqy bObI juVvyN Brw jdoN 25 swlW dy hoey, aunHW hr swl 3000 rupeylgwaux dI ivauNq bxweI[ bObI doN qIhW dw hoieAw qW rkm lgweI bMdkr id`qI jd ik sMnI lgwqwr rkm ienvYst krdw irhw[ kuJ virAWbwAd jdoN bObI pYNqI virAW dw hoieAw ny aunHW swry virAW dw K`pw pUrnleI ieko vwrI 20 hzwr Aqy 42 swlW dI aumr ivc muV 25 hzwr rupeyieko vwr ienvYst kr id`qy[ ieauN 45 virHAW q`k dI aumr ivc bObI AqysMnI dohW ny 63000 rupey injI qOr ’qy lgwey ijs dI ivkws dr 15%sI[ sMnI ƒ cwr l`K pRwpq hoey jdik bObI ƒ iqMn l`K A`T hzwr rupey[invyS dw cOQw mMqr 4 :_________________________________________________________________________________________________72 nwl swlswisDWqk p`KoNjykr qusIN lgweIrkm ƒ dugxw krnwcwho qW pRw`fkt dyivAwj dI dr Aqyrkm lgwaux dw smWqkrIbn 72 huMdw hY[ivAwj dI dr rkm lgwaux dw smW kMm krn dI spys105820121172 dy nym :____________________________________________________________________________________________________________________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________27

igtwr dw bu^wrfyrIAs 13 virHAW dw hY qy hwl ’c aus ny A`TvIN jmwq dwiemiqhwn pws kIqw hY[ auh bhuq vDIAw igtwr vjwauNdw hY AqyAMqr rwStrI p`Dr dw igtwr mwstr bxnw cwhuMdw hY qy iekidn Awpxw bYNf sQwpq krnw cwhuMdw hY[ hwl ’c hI fyrIAs nybYNglor dy iek ibRitS bYNf ƒ suixAw, audoN qoN aus ƒ ielYkitRkigtwr dy ivSySg mwlk hox dy iKAwl nwl jƒn dI h`d q`klgwE ho igAw hY, ijs dI Awvwz jW swaUNf isstm vI byimswlhovy[ fyrIAs Sihr dy sB qoN vDIAW swz vycx vwly stor qyjWdw hY qy aus ƒ pqw lgdw hY ik ieh swz isstm dI kImqaus ƒ iek l`K rupey pvygI[tu`ty idl nwl auh Awpxy igtwr AiDAwpk pws jWdw hY qy aus ƒswrw ielYkitRk igtwr dw ik`sw suxwauNdw hY[ aus dw igtwr tIcrjvwn Aqy pRbu`D klwkwr hY[ auh fyrIAs dI g`l bVy iDAwn nwlsuxdw hY[AiDAwpk : “qW iPr muSikl kI hY?”fyrIAs : “sr ! kI qusIN myrw mzwk aufwA rhy ho ? BlW mYNAijhI kImqI igtwr ikvyN KrId skdw hW ?”AiDAwpk : “fyrIAs, vwkie hI qUM AwpxI aumr dy ihswb nwlbhuq vDIAw igtwr vjwauNdw hY pr mYN cwhuMdw hW ik qYƒ G`to-G`t7-8 vrHy byhqrIn igtwr vjwauxI cwhIdI hY qW iPr swƒielYkitRk igtwr bwry socxw cwhIdw hY[”fyrIAs : “sr! mYN jwxdw hW ik Ajy mYƒ ies dI loV nhIN hYpr mYN socdw hW jd q`k mYN AwpxI bI.ey. q`k dI pVweI KqmkrW q`d q`k mYN ieh lY lvW, pr ies dI kImq bhuq izAwdw hY;7-8 swlW bwAd vI mYƒ qW nwmumikn jwpdw hY ik mYN ieMnw28 ______________________________________________________

kImqI swzo-smwn KrId pwvWgw[ AwiKrkwr, ies dOrwn mYN AwpxIswrI pVweI vI qW krnI hY[ mYN kmwauNdw vI nhIN hovWgw[ hux qoN hImYN 200 rupey hr mhIny joVny vI SurU kr idAW, q`k vI ieh QoVy ijMnypYisAW nwl mYN igtwr nhIN KrId pwvWgw[”tIcr AwpxIAW cmkdIAW A`KW nwl muskwauNdw boilAw, “fyrIAs,ikrpw kr ky ieh nw soc ik mYN qyrI byvsI dw mzwk aufwA irhwhW[ iblkul nhIN[ sgoN qUM mYƒ d`s swl ipCWh v`l lY igAw hY jdoNik mYN vI 14 virAW dw sW qy ieMj hI mYN vI ielYkitRk igtwr lYx dwmn p`kw kIqw sI[”fyrIAs bhuq auqsuk ho igAw[ aus ny ikhw, “s`cI sr, kI qusINkwmXwb hoey? ieMny pYsy joVn leI qusIN vI bhuq qMgIAW-qruCIAWJwgIAW hoxgIAW[”AiDAwpk : “fyrIAs Eh igtwr jo qUM kwrns qy peI vyK irhw hYN,ieh auh hI hY, jo mYN 21 swlW dw ho ky KrIdI sI[”fyrIAs : “ieh Ascrj kwrj qusIN ikvyN kIqw ?”AiDAwpk : “bs roz dI b`cq Aqy ienvYstmYNt nwl[ mYƒ izAwdwkurbwnI vI nhIN dyxI peI[ mYN bs joVdw igAw qy nym nwl rkminvyS krdw igAw[ jd q`k mYN ies ƒ pRwpq nhIN kr ilAw mYNruikAw nhIN[ sgoN hweI skUl ivc jW ky iphly do swlW qoN mYN hrmhIny 150 rupey vI joVny SurU kr id`qy qy iPr hor qy hor izAwdwb`cq SurU kr id`qI[ iPr mYN v`fw ho igAw qW kuJ pYsw kmwieAw vI[bhuqw nhIN bs 1500 rupey mhInw[”fyrIAs : kI qusIN socdy ho ik mYN vI Awpy igtwr KrIdx dy smr`Q hoskdw hW… ikauNik… mYN Awpxy fYfI ƒ qMg nhIN krnw cwhuMdw[AiDAwpk : ikauN nhIN, qUM vI kwmXwb hovygw[ pY~n Aqy kwZz pkVqy Aw ies dI ivauNq bxweIey!!hr mhIny ienvYsmYNt mUl ivAwj dI ku`ldI rwSI dwrwSIAMdwznrwSIsmWdr200 rupey 8 swl 19,200 10% 26,960300 rupey 6 swl 21,600 9% 27,5131000 rupey 4 swl 48,000 8% 55,840kùl 8 swl 88,800 1,10,313isDWqk p`KoNswDwrn ivAwj Pwrmulw :AweI = pI * AY~n * Awr100AweI = ivAwjpI = ipMRsIpl (mUl rwSI)Awr = ivAwj dI drAY~n = smWisDWqk p`KoNimSirq ivAwj Pwrmulw :ey = pI * (1+CotI Awr) AY~ney = rwSIpI = mUl rwSIv`fI Awr = ivAwj dI drAY~n = nMbr Aw& pIrIAfsCotI Awr = v`fI Awr/100jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________29

not_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________smwrt (cusq) pUrv inrIKx• bcq Kwqw ikvyN KulvwieAw jwvy ?• hor bYNk Kwqy Kolx dIAW iksmW• kwr-ivhwr leI bYNk dIAW shUlqW – ey.tI.AYm, fYibtkwrf, kRYif`t kwrf, pYsy pwx Aqy kFwaux dI prcI,cY~k, fI.fIz (fImWf frwPt) Awid[• eI-bYNikMg, tYlI-bYNikMg – surìKAw sMbMD30 ______________________________________________________

cOQI bYTkbYNikMg dI muFlI jwxkwrIinvySauDwrjyb KrcI bYNkjmwmyrI AMqm jmwrwSI• invyS nwl quhwfI b`cq ’c vwDw huMdw hY[‣ l`gI hoeI rkm smyN nwl vDdI hY[‣ jdoN QoVI dyr leI qusIN AwpxI sMpqI ienvYstkrdy ho qW ivAwj dy rUp ivc quhwƒ PwlqU rwSIpRwpq huMdI hY[‣ jdoN ivAwj imSirq huMdw hY qW pYsw hor jldIvDdw hY[• jdoN qusIN pUMjI jW rkm lgwauNdy ho qW iqMn mu`K g`lW dwiDAwn r`Kxw zrUrI huMdw hY[‣ surìKAw‣ nkd rwSI‣ vwpsIAYP.AweI.bYNkjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________31

ijigAwswieh vI iek bYNk hY, pr kI qusIN ie`Qy Awpxw Kwqw Kol skdy ho ?________________________________________________________________________________________cyqn ƒ iek cY~k imilAw hYcyqn : hwie mMmI ! nwnw jI ny mYNƒ jnm idn dy kwrf dy nwlnwliek cY~k vI ByijAw hY[32 ______________________________________________________

mMmI : b`cy! qusIN aunHW ƒ DMvwdI Sbd ilK ky Byjo[ pr, ieh d`s ik qUMaunHW pYisAW dw kI kryNgw?cyqn : mYN aus nwl AwpxI koeI loV dI vsqU KrIdWgw nw ik jo vI myrwidl cwhygw[ qusIN qW mMmI jwxdy ho ik mYN qW A`gy hI AwpxI jyb KrcI qoNKVikAw hoieAw hW[cyqn : pr ieh qW kyvl cY~k hY, mYN pYsy iks qrHW pRwpq kr skdw hW?cyqn ƒ rkm/pYsy ikvyN pRwpq ho skdy hn ?cyqn : kI quhwfw mqlb ieh hY ik mYƒ pYsy lYx leI nwnw jI kol jwxwpvygw?mMmI : nhIN myry lwfly, ij`Qy myrw Kwqw hY qUM aus gvWF vwly bYNk ivc jwskdw hYN[ ieh zrUrI nhIN hY ik qUM gRwhk bYNk (fRwAeI bYNk) jW SwKw ivchI jwvyN[cyqn : auho ! ieh sB mYƒ smJ nhIN Aw irhw[ qusIN iks gRwhk bYNk(fRwAeI bYNk) bwry g`l kr rhy ho ? ieh kI huMdw hY mYN nhIN jwxdw[mMmI : mYƒ Awpxw cY~k ivKw iPr mYN qYƒ cY~k dy iviBMn ihìsAw bwryjwxkwrI idMdI hW[cY~k ƒ iDAwn nwl inrIKx kroisDWqk p`KoNcY~k ilKx ivc iek Aijhwdsqwvyz hY ijs ivcbySrqIAw hukm, krqy vloNhsqwKr ho ky, ivSyS kiQqbYNkr v`l sMkyqk huMdw hYijs ivc AwdySk mnu`K leIilKq rwSI kFvwaux dwhukm huMdw hY jW ijhVw iessMd ƒ lY ky Awvy aus ƒ dyxdw hukm huMdw hY[- smJoqy Xog sMdkwrjgRwhk (fRwAr) : ____________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________33

pRwpq krqw (Payee) : ______________________________________________________gRwhm bYNk Aqy SwKw : ___________________________isDWqk p`KoNcY~k dy swhmxy do smWqriqrCIAW ryKwvW ƒ ‘kR`wisMg’AwiKAw jWd hY Aqy ij`QycY~k kR`ws huMdw hY, ijspRbMDk qoNieh kFwieAwjWdw hY, pRbMDk dI AnumqIibnW ieh kFwieAw nhIN jwksdw[- smJoqy XogsMd kwrj___________________________cyqn : qW mMmI quhwfw mqlb ieh hoieAw ik mYN pVos vwly bYNkivc jw ky Awpxw cY~k kYS jW nkdI krvw skdw hW[kI cyqn ies cY~k ƒ bYNk ivc dy ky bdl ’c ies ƒ nkdkrvw skdw hY ?___________________________________________cyqn : ieh cY~k ivc do smWqr lkIrW dw kI mqlb hY ?mMmI : ienHW ƒ ikhw jWdw hY _________ ies dw ArQ ____________________________________________mMmI : Sbd _______________ smWqr ryKwvW dy ivcwlyiliKAw SbdW dw ArQ hY ______________________________________ Aqy bYNk nhIN krygw ____________ cY~k dyivru`D[qW iPr cyqn ƒ hux kI krnw cwhIdw hY ?cyqn : mYƒ nwnw jI ny pihlI QWvyN ^wqw pRwpq krqw cY~k ikauNByijAw hY[ myry leI hux ieh v`fI musIbq bxI hoeI hY[34 ______________________________________________________

cyqn dy nwnw dI dy cY~k Byjx dI kI vjwh ho skdI hY ?cyqn : pr aunHW ny ‘kR`wisMg’ lIkW ikauN vwhIAW hn ?__________ cY~k Aqy aus ’qy inSwn lwauxW jW muhr ___________XkIn idvwauNdw hY ik _____________ cY~k dI ies rkm ƒ hor koeInhIN k`Fvw skdw[cyqn : pr Ajy mYN 18 swlW dw bwlg nhIN hoieAw, iesy leI qW nw hIqusIN mYƒ kwr clwaux idMdy ho qy nw hI lwiesyNs bnvwaux idMdy ho[qW iPr mYN bYNk ^wqw ikvyN Kulvw skdw hW?kI cyqn bYNk ^wqw Kulvw skdw hY ?izAwdwqr bYNk AwigAw idMdy/nhIN idMdy bìcAW ƒ d`sW/bwrHW/ATwrHWvirAW idAw ƒ bcq bYNk ^wqw iekìTAW mwipAW nwl/in`jI qOr ’qyKolx dI[ ies leI cyqn bYNk ^wqw Kol skdw/nhIN Kol skdw[cyqn bYNk jWdw hY[mMmI : ims vruxw! supRBwq! ieh myrw pùqr cyqn hY[ ieh Awpxw ^wqwKulvwauxw cwhuMdw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________35

pRbMDk (mYnyjr) : nmskwr! cyqn qusIN iks pRkwr dw bYNk ^wqwKu`lvwauxw cwhuMdy ho ?cyqn : kI iviBMn pRkwr dy ^wqy vI huMdy hn ijhVy ik mYN Ku`lvwskdw hW ?iviBMn pRkwr dy jmw ^wqybcq ^wqw : ijvyN ik ies dy nW qoN hI spSt hY ik AwpxyKricAW leI rkm jmW krvwauxI Aqy kFvwauxI pr ip`Cy quhwfIbcq bwAd kuJ SyS rihxw zrUrI hY[ Aksr ikMnI vwr qusINbcq ^wqy ’coN rwSI kFvw skdy ho, ies bwry kuJ pwbMDI vI huMdIhY Aqy SyS bcI rwSI aupr bYNk ivAwj vI jmw krdw jWdw hY[cwlU ^wqw : ieh ^wqw vpwrk kwrj pRbMD KoilAw jWdw hY[ ies^wqy ivc ijMnI vI rwSI hovy, bYNk aus aupr Awm qOr ’qy ivAwjnhIN idMdI[isDWqk p`KoNij`Qy cY~k aupr (AkwauNtpyeI) ^wqw pRwpq krqwichinq hovy, auQy hI bYNkpRbMDk ^wqy dy pRwpqkrqw ƒ rwSIN vsUlIkrygw[- smJOqw mUlksMd kwrjjmw ^wqw Sbd ƒ smW/inSicq ^wqw vI ikhw jWdw hY : ies^wqy ivc auh lok rwSI jmW krvwauNdy hn, ijs dI aunHW ƒqqkwl loV nhIN huMdI[ ies ^wqy ivc bYNk mumn qOr ’qy bcq ^wqydI ivAwj dr qoN izAwdw ivAwj idMdw hY, jo inSicq jmw ^wqy(iPksf ifpooizt) ivc AwpxI rkm jmw krvwauNdy hn[ inSicqjmw ^wqy ivc jmw krvweI rwSI dw smW inrDwrq huMdw hY[ ijMnysmyN leI ieh rwSI jmW krvweI jwvy auh qYih kIqy pRbMD muqwbkbYNk kol rihMdI hY[ jdoN aus skIm dI imAwd jW smW pUrw ho jwvyqW aus leI ‘pirp`kqw’ (mYicEirtI) Sbd dI vrqoN kIqI jWdIhY[ jykr imAwd pu`gx qoN pihlW jmW krqw rkm dI vwpsI dImMg kry qW bYNk aus ƒ jurmwnw vI lgwauNdI hY[mu`K qOr ’qy iqMn pRkwr dy smW (trm) jmw ^wqy huMdy hn[iviBMn pRkwr dy smW jmw ^wqy :(1) jmw kIqI pUMjI ijMny smyN leI kIqy jwvy, aus qy koeI ivAwjnhIN id`qw jWdw Aqy auh ivAwj imSirq huMdw jWdw hY Aqypirp`kqw (mYicEirtI) vyly jo mUl rwSI jmw pUMjI huMdI hY ausƒ ivAwj dr ivAwj iek`Tw kr ky id`qw jWdw hY[(2) dUjI iksm auh hY ijs ivc ivAwj hr mhIny/iqmwhI/iCmwhIN/swlwnw iekrwr muqwbk ienW SrqW qy qYA huMdw hY Aqy mUlpMjI pirp`kqw qoN bwAd (mYicEirtI) vyly id`qI jWdI hY[36 ______________________________________________________

(3) ij`Qy lyKw AiDkwrI, jmw krqw, hr mhIny, AwpxI rwSI smyNAnuswr jmw krvwauNdw hY (Aksr hr mhIny) qW auh iek`TI hoeIpUMjI aus ƒ aus dy im`Qy smyN dy pUrn hox qy (mYicEirtI pIrIAf)ivAwj smyq vwps id`qI jWdI hY[ ies ƒ Aksr smyN isr hoxvwlw jmW ^wqw (irkirMg ifpoizt AkwauNt) ikhw jWdw hY[cyqn ƒ ikho ijhw ^wq Kulvwauxw cwhIdw hY ?_________________________________________________qusIN trm ifpOizt AkwauNt ivc cY~k vI jmw krw skdy ho Aqy nkdIvI k`Fvw skdy ho[rozmrHw dy kwrj pRbMD (lyx-dyx) leI quhwƒ bcq bYNk/trm jmw ^wqydI loV pYNdI hY[isDWqk p`KoNAwvrqk/nymisr jmwhox vwlw ^wqw quhwƒhr mhIny pUMjI jmwkrwaux dI AwigAwidMdw hY Aqy ijs Srqqy rwSI jmw hovy ausihswb nwl aus dr qyivAwj qusIN lY skdyho[bcq bYNk ^wqw KolxwmYnyjr : AwE! mYN quhwƒ d`sdw hW ik b`cq bYNk ^wqw ikvyN Ku`lvweIdwhY[bcq bYNk ^wqw Kolx leI ikhVIAW SrqW loVINdIAW hn ?(1) ___________________________________________(2) ___________________________________________(3) ___________________________________________(4) ___________________________________________(5) ___________________________________________sQweI ^wqw nMbr (pYn) : _____________________________________________________________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________37

cq bYNk ^wqw ikvyN KolIey ? (sYNpl Pw`rm)ArQ koSBwrq dw sB qoN purwxwbYNk ‘BwrqIX styt bYNk’hY, ijhVw ik bYNk Aw`PbMgwl ky nW nwl 1806ivc SurU hoieAw sI[38 ______________________________________________________

kwrvweI dIAW ihdwieqW :qusIN jW quhwfy bwAd dI kwrvweI : _____________________________________________________________________________________________________________iek`TI kwrvweI : ____________________________________________________________________________nwmzdgI shUlq : ___________________________________________________________________________ArQ koS1406 eI. ivc syNtjw`rj bYNK ijnyAw,ietlI ivc KuìlAw,ivSv dw pihlwAwDuink bYNk hY[bYNk ik`QoN Aqy ikvyN rwSI pRwpq krdw hY ?spSt krn vwlI ivDI (klIAirMg isstm) : bYNk dw iek klIAirMgBwv lyKw joKw spSt krn dI iek ivDI huMdI hY[ swry bYNkW dy bwiSMidAWdI iekìTAW iek QWvyN imlvI huMdI hY Aqy Awpo-Awpxy iek`Ty hoey cY~kWdw vtWdrw krdy hn ijhVy ik aunHW ƒ v`Ko-v`K gRwhkW koloN pRwpq hoey huMdyhn, iPr auh Awps ivc KwiqAW ƒ nij`Tdy hn[ ies ƒ spSt krnvwlI ivDI jW klIAirMg isstm AwKdy hn[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________39

vpwrk bYNk dI EprI JlkmYnyjr : hux jdoN ik qusIN swfy bYNk dy gRwhk bx gey ho, qW AwEmYN quhwƒ bYNk dy Awly duAwly bwry iek nzr puAw idAW[kI qusIN ies mSIn ƒ pCwxdy ho ? ieh kI kwrj krdI hY ?________________________________________________________________________________________________________________________________________________________________________________ey.tI.AYm. kwrfW sMbMDq zrUrI swvDwnIAW1) ________________________________________________________________________________2) ________________________________________________________________________3) ________________________________________________________________________40 ______________________________________________________

kRYift kwrf stytmYNt (sYNpl k`wpI)jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________41

gupq ipn (iskryt ipn) (sYNpl k`wpI)42 ______________________________________________________

kI qusIN AMdwzw lgw skdy ho ik ienW kwauNtrW qy kI hoirhw hY ?__________________________________________________________________________________kI qusIN d`s skdy ho ik ienHW kwauNtrW qy kI ho irhw hY ?_________________________________________________________________________________________________________________________fImWf fRwPt kI huMdw hY ?___________________________________________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________43

fImWf fRwPt pRwQnw p`qr (sYNpl k`wpI)fImWf fRwPt (sYNpl k`wpI)44 ______________________________________________________

YNk s`dy qy AwauNdw hYjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________45

kI qusIN d`s skdy ho ik ieh kI hY ?____________________________________________ieMtrnyt-bYNikMg jW eI-bYNikMg kI huMdI ey ?_____________________________________________________________________________________________________________________tYlI-bYNikMg iks ƒ kihMdy hn ?_____________________________________________________________________________________________________________________srgrmI : kFwaux (kYS) leI kFxw (cY~k)kFwaux vwlI prcI (sYNpl k`wpI)cyqn : mYN pUMjI ikvyN pRwpq kr skdw hW ?_______________________________________________________________________________________________________________________________46 ______________________________________________________

cY~k (sYNpl k`wpI)AYm AweI sI Awr cY~kAYm AweI sI Awr kI hY ?________________________________________________________________________________________bYNk dI imMnI pRSnwvlI1. iek vwr dw kìFAw cY~k hmySw leI mMnxXog huMdw hY[ shI/Zlq____________________________________________2. jykr qusIN iek vwr cY~k k`Fxw ilAw qW qusIN ies dI rkm nhIN rokskdy[ shI/Zlq______________________________________________3. quhwfy ^wqy ’c pYsy nw hox qy cY~k k`txw jurm hY[ shI/Zlq______________________________________________4. Dn rwSI v`D jW G`t hox dI iek sImw huMdI hY, ijs dI sImw ’c hIqusIN cY~k k`t skdy ho[ shI/Zlq______________________________________________5. KwlI (blYNk) cY~kW qy hsqw^r kr ky jdoN cwho rkm k`Fvwaux ivcshUlq rihMdI hY[ shI/Zlq______________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________47

smwrt (cusq) pUrv inrIKx• vpwr bwzwr (st`wk mwrikt)• vpwr vtWdry• SyArW ’c invyS krnw jW rkm lwauxI48 ______________________________________________________

pMjvIN bYTkstwk ƒ smytxw (stẁks dI st`wikMg)myrI AMqm jmw pUMjI• bYNk ^wqy dy nwl quhwƒ Pwiedw huMdw hY :‣ AwpxI bcq aupr ivAwj imlxw‣ quhwfI bcq ƒ suriKAq r`Kxw‣ jdoN quhwƒ AwpxI bcq dI loV hovy aus ƒ aus dIAwrwm nwl rweI (pRwpqI)‣ sMpqInumw muAwmilAW ƒ• jykr quhwfI aumr 18 swlW qoN G`t hY qW vI qusIN bYNk^wqw Kol skdy ho jW clw skdy ho[• tYknwlojI ny bYNk nwl sMbMDq kwrjW ƒ sOKw kr id`qw hY[• swƒ bYNk nwl sMbMDq nymW leI zrUr swvDwnI AqysurìKAq mwpdMfW dw iDAwn r`Kxw cwhIdw hY[AYP. AweI.bYNkjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________49

ijigAwswkI qusIN ies iemwrq ƒ pCwxdy ho ?____________________________________________ies iemwrq dy AMdr kI huMdw hY ?___________________________________________ies ivc swnH Aqy ir`C (bul Aqy ibAr) dw kI kMm hY ?____________________________________________50 ______________________________________________________

sihBwgI hox dw hONslwAwdI iek kMpnI KoLxw cwhuMdw hY[ AYm/AYs XunIsyv tYtuz ilimitf dy nW qyauh 6 dosqW nwl iml ky kMpnI Kolxw cwhuMdw hY[ AwdI 400 rupeyinvyS/rkm lgwauNdw hY Aqy dosqW ƒ vI 100-100 rupey lgwaux ƒ kihMdwhY[ aus leI swry sihmq ho jWdy hn[ ieauN kMpnI dw kul joV ______rupey hovygw[ ieh rkm jW pUMjI kMpnI dI iekivtI (auh SyAr ijnW qyinSicq sUd nhIN imldw) khwauNdw hY[AwdI kMpnI dI iekivtI ƒ sO brwbr dy ihìsAW ’c vMfxw cwhuMdw hY qW ikhryk ih`sy dw mu`l _______ rupey ho jwvy[ hryk sO brwbr dy ih`syiekivtI SyAR khwauNdy hn (jW kyvl SyAr) ieauN _______ iekivtISyArW nwl kul pUMjI _______ rupey dI bxI[ 10 rupey hryk SyAr dwAMkq mu`l (face value) khwauNdw hY[ijvyN ik Cy dosqW coN hryk ny 100 rupey lgwey sn ies leI hryk ƒiekivtI SyAr ivc _____ rupey pRwpq hoey[ ijvyN ik AwdI ny 400 rupeylgwey sn, so AwdI ƒ _____ ruipAW dw iekivtI SyAr imilAw qy auhswry aus kMpnI dy ih`sydwr (SyAr holfr) bx gey[XunIsyv tYtuz dI iek kwrguzwrI iek swl clI hY qy hr koeI ieh aumIdkrdw hY ik kMpnI swl dy AÎr ivc kuJ munwPw k`FygI[pRQm Awpxy swry ds dy ds SyAr vycxw cwhuMdw hY ikauNik aus ƒ pYisAWdI loV hY pr pRQm 100 rupey ijhVy lgwey sn aus qoN v`D vwps Awauxbwry socdw hY ikauNik pUMjI lwieAW vrHw ku ho igAw hY[ AsQm pRQm ƒ hrSr dy 10 dI bdwie 12 dyx ƒ iqAwr hY ijvyN ik kMpnI Awpxy SyArholfrW ƒ kuJ v`D munwPy dw ih`sw Swied dyvy, dI aumId kIqI jWdI hY[SyArW dI 12 rupey qW mwrikt kImq hY ijvyN ik ies kImq qy qW bwzwrivc SyAr auplBD hn[ AsQm pRQm ƒ _________ rupey dy ky aus koloN10 SyAr KrId lYNdw hY[ bwzwrI mu`l (mwrikt vYlXU) (jykr pRq`K vYlXU)Aqy pRq`K mu`l ivc AMqr kyvl pRImIAm dw huMdw hY[ jykr bwzwrI mu`lpRq`K mu`l ieauN AsQm ny _______ rupey hryk SyAr leI id`qy[pUrw swl kMpnI ny 500 rupey dw byhqrIn munwPw kIqw Aqy hryk SyArholfr ƒ 200 rupey vMfy[ SyAr holfr _______, ________,______, _______, _______, ________ Aqy _________ SyArWmuqwbk imlygw[ lwB AMS SyAr dy pRq`K mu`K dy muqwbk id`qw jWdw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________51

hux hyT ilKy svwlW dy jvwb idau[1. AwdI ƒ ikMnw lwB AMS (ifivfyNf) imilAw? ______ rupey[2. AsQm ny ikMnw lwB AMS pRwpq kIqw ? _______ rupey[AwE ASIN hux SyArW nwl sMbMiDq do mh`qvpUrn sMkyqW au~prkMm krIey[ auh hn :(1) hryk SyAr au~pr munwPw (eI.pI.AYs.)__________________________________________(2) pI/eI__________________________________________isDWqk p`KoN hux ienHW dy sMkyqW dy qihq AYm/AYs XunIsyv tYtuz ilimitf qykwrj kro [iSAr Dwrk(shareholder): (1) eI.pI.AYs. =hryk pRiqinDI ijhVw(2) pI.eI. =kMpnI dy SyArW qypYsw lgwauNdw hY, auhkMpnI dw h`kdwr hYAqy auh SyAr holfrkhwauNdw hY[ aunHW kolAksr vot dwAiDkwr huMdw hY ieauNkMpnI dI kwrjI pRbMDdy ih`sydwr huMdy hn[^brW duAwrw sMkyqquhwfy AiDAwpk mwl (stOk) leI invyS jW rkm lwauxsMbMiDq iviBMn SrqW (trms) bwry spSt krngy[SrqW dy hyTW C`fI QW ivc pirBwSw ilKo[1602 ivc AYmstrfm ivc sQwpq st`wk eykscyNjivSv ivc sB qoN purwxw hY15 ApRYl 2006, 2058 GMty, AweI.AYs.BwvyN ‘st`wk eykscyNj’ dy inkws/ieiqhws dy pd icMnH AYNtvrp (1460)qoN pRwpq kIqy jWdy hn prn AYmstrfm dy st`wk eykscyNj ƒ ivSv ivcsB qoN purwxw mMinAw jWdw hY[1. iekivtI SyAr :_____________________________________________________________________________________________________________________52 ______________________________________________________

irlwieNs pwvr ƒ AweI.pI.E 10 rupey dy pRq`K mu`l qoNvDwxy pey[26 nvMbr 2007, 0245 GMty, AweI.AYs.tI., tI.AYn.AYn.Ainl AMbwnI smUh ny bwzwr ƒ inXMiqRq AwrMBk smwjk SyArW ƒ 10 rupeykrn vwlI sybI qoN irlwieMs pwvr dy pRq`K mùl krn leI mMzUrI mMgI[2. pRq`K mu`l____________________________________________________________________________________________________isDWqk p`KoNsUcI p`qr qoN Bwv hYik st`wk eykscyNj qyvpwr krn leI SyArauplbD krvwauxy[sUcI vpwr dI ingrwnIAqy Asrdwr kMptolleI jMqr ivDI vImu`heIAw krvwauNdI hY[____________________________________________________________________________________________________krnyks mweIkro isstms Bwrq ny 10% ifivfyNf dI mwxqwidqI hY[27 jUn 2008, 1530 GMty, AweI.AYs.tI.krnyks mweIkro isstms Bwrq ny swlwnw jnrl mIitMg ’c 10% ifivfyNf dImwxqw 10 rupey pRqI iekivtI SyArW qy id`qI ijhVw ik 31 mwrc 2008 dy AMqqy SyAr holfrW dI sihmqI nwl hoieAw[ ies nwl bI.AYs.AYP dy SyArW dwBwA 115.40 rpey qy 4.98% if`gw[isDWqk p`KoNkMpnI dw bwzwrIpUMjIkrx kMpnI dyswry SyArW dw ku`lbwzwrI mu`l huMdw hY[3. ifivfyNf :________________________________________________________________________________________________________________________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________53

AYn.AYs.eI. sUcI dIAW PrmW dw ku`l bwzwrI mu`litRlIAn f`wlr dy inSwn vl2 julweI 2008, 2214 GMty, AweI.AYs.tI., pI.tI.AweI.k`l 40,00,000 kroV rupey dI p`Dr qoN hyTW if`gx qoN bwAd AYn.AYs.eI.sUcI dIAW PrmW dw ku`l bwzwrI mu`l A`j dy idn dy vpwr dy AMq ’qy 950iblIAn f`wlr (41,08,689 kroV rupey) au~qy puijAw[isDWqk p`KoNsurìKqwvW(iskaurtIz) iekAwrQk sMd hn ijvyNik SyAr, kMpnI dyiekrwrnwmy jW b`wfIkwrporyt jW srkwr4. bwzwrI mu`l :____________________________________________________________________________________________________________________________________suzIAn AYnrjI leI Xu.bI.AYs. invyS ny eI.pI.AYs. dyAMdwzy ƒ fyigAw16 julweI 2008, 1128 GMty, AweI.AYs.tI., eI.tI. ibauroXu.bI.AYs. ny suzIAn AYnrjI leI AYP.AweI 09 ƒ AMdwzn 8.6 rupey qy20.5% GtwieAw Aqy AYP.AweI 10 ƒ 12.2 rupey qy 23.4%[ ies dynwl hI aus ny lkS mu`l (twrgt pRwiez) ƒ vI G`t kIqw[5. eI.pI.AYs. :isDWqk p`KoNsybI dIAW kwƒnIqwkqW hn (a) invySkWdy ivAwj qy ih`qW ƒsurìKAq r`Kxw[ (A)surìKAw bwzwr dyivkws ƒ pRoqswhn dyxwAqy (e) mwrikt ivcsurìKAqwvW ƒ Swsqrkrnw[____________________________________________________________________________________________________________________________________au~cIAW au~fdIAW mwriktW ny pI/eI rySo ƒ BuMjylY AwauNdw6 AkqUbr 2008, 1344 GMty, AweI.AYs.tI., ivjy gOrv, tI.AYn.AYnmuMbeI : AijhI kImqW dI Kyf pihlW kdy nhIN grm hoeI sI[ ivdySIsMsQwnk invySkW dy qkVy PMfW dy vhwA kwrn, bhuq swrIAW kMpnIAW dyinvySkW ny ies ƒ Asmwny cwV id`qw hY, ijs kwrn auh mu`l/kmweI(pI/eI) dI rySo sO guxW qoN vI aupr kot kr rhy hn[6. pI/eI :____________________________________________________________________________________________________________________________________54 ______________________________________________________

1602 ivc AYmstrfm ivc sQwpq st`wk eykscyNjivSv ivc sB qoN purwxw hY15 ApRYl 2006, 2058 GMty, AweI.AYs.BwvyN st`wk eykscyNj dy inkws/ieiqhws dy pd icMnH AYNtvrp (1460) qoNpRwpq kIqy jWdy hn prn AYmstrfm dy st`wk eykscyNj ƒ ivSv ivcsB qoN purwxw mMinAw jWdw hY[isDWqk p`KoN7. st`wk eykscyNj_______________________________________________________________________________________________________________________________________sybI (AYs.eI.bI.AweI.) ny AYs.AYm.eI.AYs. leI s`tw qjvIzkIqw27 meI 2008, 0135 GMty, AweI.AYs.tI., pI.tI.AweI.nvIN id`lI : Coty Aqy drimAwny audXogW (AYs.AYm.eI.AYs.) dy srokwrW ƒ iDAwn’c r`KidAW pUMjI bwzwr ƒ sbIl bxwauNidAW bwzwr clwx leI sybI ny kuJ rwhqvwly pRqImwnW dy st`wk eykscyNj dI isdkvn qrkIb suJweI[inPtI 50 st`wk kRmsUcI hY[ ijs ivc kuJbhuq v`fy AqyAYn.AYs.eI. dy bhuqivSwl nkdI mwlvpwrW ƒ Swml kIqwigAw[fwE jonz jW fI.jy.AweI.ey. (fwE jonzieMfstRIAl eyvryz)inXU X`wrk st`wkeykscyNj Aqy nwsdkdI kRm sUcI hY[8. sybI (AYs.eI.bI.AweI.)____________________________________________________________________________________________________________________________________________________bWby st`wk eykscyNj ivc muhrq tRyifMg ’c dlwlW dI cV mcI23 AkqUbr 2006, 0038 GMty, AweI.AYs.tI., tI.AYn.AYn.muMbeI : sMmq 2063 dlwl bwzwr ivc bVy aumwr nwl invySI sMgTn ƒ hoNd ’cilAwey[ SnIvwr dI Swm, BwrqI AwrQk spys dy au~c nwgirkW dI mOjUdgI ivc 6vj ky 15 imMtW qy bI.AYs.eI. ƒ ivSyS 75 imMtW dw vpwr kIqw Aqy syNsyks idn dyAMq qy 27 poieMt v`D igAw[9. dlwl (bRokr)______________________________________________________________________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________55

syNsyks (auqwr-cVwA) 4% au~qy18 julweI 2008, 1840 GMty, AweI.AYs.tI., muhMmd sbIr, ECONOMICTIMES.COMmuMbeI : invySkW kol Sukrvwr ƒ QoNQ Awaux Aqy ipCly sYSn dy munwiPAW dyausr ih`q bQyry kwrn sn[ aunHW ny kyvl sMvydnk ivAwj sYktr ’c hI Coty-Coty pd nw pwey sgoN islykt blU ic`p dI nvIN KrId vI kIqI[10. auqwr-cVwA (syNsyks)____________________________________________________________________________________________________________________________________bInwnI AweI.pI.E. dI kImq 75 rupey pRiq iekivtISyAR hoeI11 meI 2007, 2220 GMty, AweI.AYs.tI., pI.tI.AweI.muMbeI : ibnwnI ismyNt ilimitf ny Awpxy AweI.pI.E. dy 20,500,000iekivtI SyAr dI pySkS kImq 10 rupey pRiq iekivtI SyAr 75rupey au~qy qYA kIqI hY[11. AweI.pI.E.____________________________________________________________________________________________________________________________________s`ty’c BwA cVy (bùl rMn) : syNsyks ny irkwrf qoV,skyl 10,000 vDy7 PrvrI 2006, 0117 GMty, AweI.AYs.tI., pwrQw isnhw, tI.AYn.AYn.muMbeI : st`wk bwzwr dy vI inAwry hI rwh hn, somvwr dI 250 AMk rYlI(mukwblw) AMkW ’c iek kYPIAq hY[12. bu`l____________________________________________________________________________________________________________________________________56 ______________________________________________________

IAr b`g : Bwrq dy pMj AmIr vpwrIAW ƒ pMj itRlIAn dwGwtw Awpxy au~qy ilAw24 jUn 2008, 0138 GMty, AweI.AYs.tI., eyjMsIAWnvIN id`lI : pMj BwrqI AmIrW v`loN clweIAW kMpnIAW, ijnHW ivcoN do AMbwnIAWdIAW ny cwlU bIAr Pyz ivc pMj itRlIAn dw v`fw Gwtw pwieAw, jo ik ies vrHy dySurU ’c AwrMB hoieAw[ smu`cy bwzwr dw mu`l ienHW pMjW dy nyqir`qv nwl sMbMiDq sI[13. bIAr :___________________________________________________________________________________________________________________________________________________srkwr ny 5750 kroV dy qyl bWfs k`Fy24 mwrc 2006, 2324 GMty, AweI.AYs.tI., pI.tI.AweI.nvIN id`lI : srkwr ny 5750 kroV rupey dy bWf dI dUjI dUjI ikSq iqMn qylivpxn kMpnIAW, ijnHW dw GrylU Aqy AMqrrwStrI k`cy qyl dI drW dy ivc bymyldI vjHw vloN mwrjn (hwSIey) au~qy dbwA swkSI hY leI jwrI kIq hY[14. bWfs :________________________________________________________________________________________________________________________________________________G`t stWp Sulk ƒ AwkriSq krn leI iekrwrnwmy (ifbYNcrs)iqAwr kIqy18 julweI 2007, 0312 GMty, AweI.AYs.tI., dIpiSKw iskrvr, tI.AYn.AYn.nvIN id`lI : iekrwrnwimAW qy jldI hI stWp Sulk (ifaUtI) Gtx dI aumId kIqIjWdI hY[ srkwr do hPiqAW ivc AwrQk kwZzW au~pr stWp Sulk Gtwaux dI sUcIk`F rhI hY[ BwvyN kwZzW jW dsqwvyzW qy stWp Sulk dw lgwn styt (rwj) vloN iek`TwkIqw jWdw hY pr kyNdrI srkwr stWp Sulk eykt qihq lgwn ƒ Gtw-vDwA skdI hY[15. iekrwrnwmyN (ifbYNcrs)___________________________________________________________________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________57

iek idn ivc 2 l`K nvyN fImYt ^wqy Ku`ly16 jnvrI 2008, 0007 GMty, AweI.AYs.tI., auidq pRsMnn muKrjI, tI.AYn.AYn.klk`qw : ies ƒ iek pMQ (klt) jW iek AweI.pI.E. dy au~mwd ivc vwDy dwpRmwx kih skdy hW[ jd somvwr ƒ pUMjI bwzwr ivc iek swry smyN dw irkwrfsQwpq hoieAw jdoN aus idn do l`K qoN v`D gudwm BwgIdwrI (ifpozytrIzpwritspySn) ^wqy sI.fI.AYs.AYl. Aqy AYn.AYs.fI.AYl. ivc Koly gey[16. fI mYt ^wqw____________________________________________________________________________________________________________________________________ArQ koSjy.pI. morgn qoN jdoNpuìCAw igAw ik st`wkmwrikt kI krygI, aunHW nyjvwb ’c ikhw, “ iehAsiQr rhygI[”58 ______________________________________________________

SyAr trYkrbI.AYs.eI./AYn.AYs.eI. au~qy st`wk____________________________________________bI.AYs.eI. kof kMpnI (pUrv sI.AYl.) Ku`lI, au~cI, nIvIN, nyVy (mwrg-rwSI, vpwr) gru`p pI/eI AYm.kYp 52-fblbu.ky. AYc/AYl500000 eygIz logIz (178.55) 177,184,172.05,174.50 (8158,255), bI ………8.9. … 348 ..404/126bI.AYs.eI. kof : ___________________________________________________________________________________kMpnI : ________________________________________pUrv sI.AYl. : _________________________________isDWqk p`KoNsurìKAw ƒ pdwrQW qoNv`K krn dw ArQ hYies ƒ BOiqk rUp qoNielYktRwink rUp ’cbdlxw[ ielYktRoinkrUp ivc surìKAwvWijhVw sMgTn krwauNdwhY aus ƒ (ifpozytrI)bYNk jW gudwm ikhwjWdw hY[ ij`Qy jmwvsq ƒ ielYktRoinkrUp ivc surìKAqkIqw jWdw hY[____________________________________________Ku`lw (Epn) : ______________________________________________________________________________________au~cw (hweI) : _______________________________________________________________________________________nIvW (lo) : _________________________________________________________________________________________bMd (kloz) : ________________________________________________________________________________________isDWqk p`KoNBwrq ivc do qrHW dybYNk/gudwm (ifpozytrIz)hn jo ik surìKAw(irx-p`qrW) ƒ pdwrQWqoN vKrIkrx krdIAWhn[ iek ‘dw nYSnlsYkyEirtIz ifpozytrIilimitf (AYn.AYs.fI.AYl.) Aqy dUjI sYNtrlsYkyEirtIz ifpozytrIilimitf (sI.AYs.fI.AYl.)mwqrw (vOlXUm) : ____________________________________________________________________________________vpwr (tRyfz) : _____________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________59

gru`p : __________________________________________________________________________________________________________________________________________________________________________pI/eI : __________________________________________________________________________________AYmkYp : _____________________________________________________________________________________________________________________________52-fbilaUky AYc/AYL : ______________________________________________________________________60 ______________________________________________________

cloN qulnw krIeysoco ik qusIN julweI 2008 dy AwrMB’c ho[12 mhIinAW ady AMqrwl ’c ip`Cly A`D ivc ijhVw AMkVw id`qw igAwhY, aus ivc syNsyks ny kwPI pirvrqn qy kul imlw ky if`gdw ruJwndrswieAw hY[auprly idRS dy sMdrB ivc, pMj SyArW dI qulnw kro Aqy ivSlySx kro,ijs dw vyrvw hyTW id`qw jW irhw hY :Awpxy AiDAwpk dIAW ihdwieqW dw Anusrx kro :Awr. pYtroAweI.tYkAYn.gYsAYm.kwrtI.stIlAYn.gYstI.stIlAweI.tYkAwr.pYtroAYm.kwrAYn.gYs tI.stIl AweI.tYk Awr.pYtro AYm.kwreI.pI.AYs. 71.65 58.93 78.14 105.56 53.12pI/eI 10.61 10.8 21.19 18.44 11.41mwrikt kYp 174254 53211.79 99227.7 304285.3 17848.03au~cw 1386.90 969.80 2140.00 3252.10 1252.0052 nIvW 770.00 372.13 1212.20 1305.00 612.05hPqy mOjUdw jWvrqmwn kImq814.70 728.35 1734.75 2093.25 617.75jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________61

AYn. gYs : _______________________________________________________________________________________________________________________________________________________________________tI. stIl : _______________________________________________________________________________________________________________________________________________________________________AweI. tYk : ______________________________________________________________________________________________________________________________________________________________________Awr. pYtro : ______________________________________________________________________________________________________________________________________________________________________AYm. kwr : _______________________________________________________________________________________________________________________________________________________________________62 ______________________________________________________

isAwxp dI sWJ1. SyAr bwzwr ivc invyS krnw Kqry dw kMm hY – v`fy munwPy dw pRsqwvhY[2. invyS krn qoN pihlW zrUrI hY ik st`wk kwrj Aqy kMpnIAW dwAiDAYn kr ilAw jwvy[3. invyK s`tybwzI qoN iBMn hY[4. AwpxI swrI pUMjI ieko QWvyN nw lwE – ies ƒ vMf ky lwE[5. lMmy smyN leI bcI pUMjI ƒ invyS krnw nukswn dIAW sMBwvnwvW ƒGtwauNdI hY[hux qk qusIN SyArW Aqy st`wk bwzwr bwry kwPI kuJ jwx gey ho[quhwfy ienHw suAwlW bwry kI juAwb hn ?1. kI SyArW ’c pYsw lwauxw Kqry vwlw kMm nhIN ?2. kI st`wk bwzwr ivc sPlqw hwisl krn leI iksy ivSyS`g dy suJwAlYxy zrUrI nhIN ?3. kI QoVI pUMjI vwlw bMdw invyS krn leI Awpxy pYsy ƒ ibKyr ky lwauxWpsMd nhIN krygw ?jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________63

smwrt (cusq) pUrv inrIKx• imaucUAl (sWJy) PMf• iBMn-iBMn audySW leI invyS• invyS dy hor rwh• v`K-v`K qrHW dy invySW dI qulnw krnI64 ______________________________________________________

CyvIN bYTkinvyS : ivSwl islislwmyrI AMqm jmw pUMjI• kMpnI dy SyArW ’c invyS krnw kMpnI dw kuJ ih`sw KrIdlYx dy brwbr hY[• irx p`qrW ’c invyS krnw kMpnI ƒ auDwr dyx dy brwbrhY[• SyAr holfr kMonI dy munwPy ’coN lwB AMS dy rUp ivcAwpxw ih`sw pwauNdy hn[• st`wk mwrikt ivc invyS krn ivc Kqrw bixAw rihMdwhY[• st`wk mwrikt ivc pYsw lwaux vyly invySk ƒ st`wkmwrikt ivSySg dI loV huMdI hy jo aus dw jwiezw lw sky[AYP.AweI.bYNk• st`wk eykscyNj dI kRm sUcI (ivvrx) aus Awdwn-pRdwndy st`wk ivc Bwg lYx dw Aihsws idMdI hY[• sybI (AYs.eI.bI.AweI) iek kRm b`D sMsQw hY jo Bwrq dIst`wk mwrikt dIAW gqIivDIAW dI dyKBwl krdI hY[• BwrqI SyAr bwzwr ivc pUrn rUp ivc ielYktRwink(fImYt) rUp ivc bdldw jw irhw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________65

ijigAwswinvyS dw iqkoVnkdIvwpsIinvyS dIpRikrqIsurìKAwauprokq iqkoV dw Kyqr sB qoN v`D kdoN huMdw hY ?____________________________________________jdoN ienHW ’coN iek pwsw vI isPr hovy qW aus Kyqr ’c kIvwprdw hY ?____________________________________________vMfy hoey SyArieh spinl dI khwxI hY, ijs kol G`t rkm pr v`fy supny hn[jdoN auh KbrW ivc BwrqI st`wk mwrikt ivc inrMqr vDdIAWkImqW/BwA bwry pVHdI hY, qW auh Aksr soc ivc pYNdI hY ik auhies rys ivcoN Pwiedw ikauN nhIN auTw rhI ?qW iPr aus ny AwpxI im`qr myDw ƒ sMprk kIqw, jo ik AwrQkmwmilAW ’c ivSySg hY Aqy st`wk mwrikt dI aus ƒ bVI smJhY[ myDw ny spinl ƒ dìsAW ik jdoN st`wk ivc pYsw lwE qW ausƒ kyvl ieko kMpnI dy SyArW ivc nhIN lgwxw cwhIdw sgoN keIAWkMpnIAW ’c invyS krnw cwhIdw hY[ aus ƒ ieko sYktr nwlsMbMiDq kMpnIAW ivc vI kyvl rkm nhIN lgwauxI cwhIdI sgoNiBMn-iBMn KyqrW dIAW kMpnIAW ’c invyS krnw cwhIdw hY[ SyArKrIdx qoN pihlW aus ƒ kMpnIAW dy kwrjW/krqbW ƒ vI inrKprKlYxw cwhIdw hY[ aus ƒ G`toN-G`t 15/20 swlW dy lMm smyNleI invyS krn leI vI iqAwr rihxw cwhIdw hY Aqy invyS krnauprMq kMpnI dy kwrjW vl inrMqr iDAwn r`Kxw cwhIdw hY[66 ______________________________________________________

ies dy nwl hI ijvyN dw bwzwr dw ruJwn hovy aus muqwbk vDIAw/sMBvvwpsI dw iDAwn r`K ky SyAr KrIdxy jW vycxy cwhIdy hn[spinl sgoN hor izAwdw duic`qI ’c ho geI[ nW hI aus kol ieMnI rwSIinvyS krn leI sI, nW hI aus kol AijhI sUKmqw qy ivDvqw hI[ ausƒ ieh vI nhIN ivSvws ik auh ieMny lMmy AMqrwl leI rkm invyS krskygI ik nhIN[ ho skdw hY ik jdoN auh SyAr vycxw cwhy qW aus ƒKrIdx leI koeI KrIdwr hI nw hovy qW iPr aus kol nkdI nhIN hovygI[jdoN spinl ny Awpxy im`qrW ƒ myDw dy ivcwr bwry dìsAw bwry dìsAw qWaus ny mihsUs kIqw ik aus ijhy hor bhuq swry lok hn jo ausy vrgI socdy iSkwr hn[Acwnk aus dy iek im`qr ƒ vDIAw qkrIb sUJI[ auh sWJy qOr ’qy swryAwpxI rkm iek`TI kr ky iek PMf sQwpq kr skdy hn qy iPr myDw ƒauh rkm st`wk mwrikt ivc invyS krn leI dy skdy hn[ myDw iesg`l leI rwzI ho geI ik PMf dw kuJ ih`sw auh kYS dy rUp ivc Awpxy kolr`KygI jW ies FMg nwl invyS krygI ik jykr aunHW ivcoN koeI AwpxIrkm vwps lYxw cwhuMdw hovy qW auh aunHW ƒ muV dyx dy smr`Q hovy pr PMfinrMqr rcdw rhygw qW ik aunHW ƒ lMmy smyN dy invyS dw munwPw imldwrhy[ myDw ies kwrj leI aunHW qoN kuJ PIs lvygI ijhVI ik swry h`s kydyx ƒ rwzI ho gey[ieauN swry im`wr iek`Ty rUp ivc SyArW dy mwilk (joieMt AOnr) bx geyAqy hor shUlqW jo iek`TIAW iml ky aus pYsy qoN KrIdIAW geIAW[ ieauNies FMg nwl KrIdy SyArW ’c aunHW dy sWJy SyAr sn[ kul invySkWduAwrw jmw kIqI geI rwSI ƒ CotIAW iekwieAW ivc vMifAW igAw Aqyhr invySk duAwrw invyS kIqI geI rwSI dy Anupwq ivc iekwieAW dIinSicq igxqI dy mwilk bx gey[ieauN stw`k bwzwr ivc ijhVy lokW dw iek`T PMf sQwpq kr ky, aus ivcinvyS kr ky munwPw K`tx AwieAw sI, aus leI imaUcuAl bYnyiPtsQwpq ho igAw[spinl Aqy aus dy im`qr hux iesy invykl PMf leI koeI nW soc rhysn[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________67

Aqy AKIr qy aunHW ny ies ƒ ________ PMf kihxw inSicqkIqw[________ PMf SurU krn qy spinl Aqy aus dy im`qrW ƒ hoeymunwPy ies pRkwr hn :1. Cotw invyS (smOl ienvYsmYNt): ______________________________________________________________2. psry hoey sMkt (spRYifMg irsk): _____________________________________________________________3. pRoPYSnl PMf mYnyjmYNt (pRoPYSnl PMf mYnyjmYNt) : __________________________________________________4. lMmy smyN leI invyS (lONg trm ienvYsmYNt) : ____________________________________________________5. nkdI (lIkvIiftI) : _____________________________________________________________________sybI (AYs.eI.bI.AweI.) mukqI-dwqwhyT iliKq ivcoN myDw jy kuJ cuxdI hY qW kI hovygw ?(i) Awpxy iksy irSqydwrW nwl sMbMiDq kMpnI dy SyAr KrIddI ho,hwlWik auh jwxdI hY ik auh invySkW dy h`k ivc nhIN hY[(ii) invySkW dy SyArW dy mu`l ’c hoey vwDy ƒ invySkW q`k nhINphuMcwauNdI[(iii) PMf dIAW smyN-smyN ’c bdldIAW siQqIAW bwry invySkW ƒsUicq nhIN krdI[(iv) AwpxIAW syvwvW leI au~cI dr vsUl krn l`g jWdI hY[68 ______________________________________________________

sybI (AYs.eI.bI.AweI.) kI hY :• Bwrq ivc AYs.eI.bI.AweI. (sYikEirtI eykscyNj borf AwPieMfIAw) auh sMsQw hY jo invySkW dy imaucuAl PMf Aqy horAijhIAW st`wk mwrikt ivc dIAW skImW dI rkm dI rìKAwkrdI hY[• Bwrq ivc swry imaucuAl PMf AYs.eI.bI.AweI. ADIn rijstrhoxy lwzmI hn[isDWqk-p`KoNAYn.ey.vI. : nY~t eys`tmu`l SyArW dw ku`lmwrikt mu`l hY ijsivc imaucuAl PMf nyAwpxw sWJw Dn invySkIqw huMdw hY[inrdySx leI AYn.ey.vI. dw pRXog kro[nYv (AYn.ey.vI.) dI kI pirBwSw hY ?__________________________________________________________________________________________________isDWqk p`KoNpRvyS/pRsQwn lof : lofiek iksm dw lwgq(Krcw) hY ijhVw ikimaucuAl PMf hryk pRvySAqy pRsQwn PMf qyiek`Tw krdI hY[ iehlof imaucuAl PMf dIKrId dy Krcy ƒ pUrnleI lgwieAw jWdw hY[jdoN auh st`wk bzwrivcoN SyArW ƒ KrIdwrIjW vycI krdw hY[nYv PMf dI auqWh/hyTW (A`pvrf/fwaUnvrf) gqI dw kI ArQ hY ?__________________________________________________________________________________________________jwx vwly imaucuAl dy Krcyjykr qusIN imaucUAl PMf ivc invyS krnw cwho qW quhwƒ kI Krcw dyxwpYNdw hY(1) ______________________________________________isDWqk p`KoNnYv (AYn.ey.vI.)pRqI Xuinq =nYv (AYn.ey.vI.)iekweIAW dy pRmu`KnMbr(2) ______________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________69

sMXukq (imaUcuAl) PMf : ivivD psMdimstr mnI, ims AwSw, imstr rGU Aqy imstr Anuj v`Ko v`Krkm invyS krn leI iqAwr hn[ aunHW dIAW loVW vI v`KoN-v`Khn[ ies leI auh invyS ivSySg imstr ivz ƒ sMprk krnbwry inrxw lYNdy hn[imstr mnI : myry kol iek l`K ruipAw invyS leI hY, pr kIsMXukq PMf (imaUcuAl PMf) ivc invyS krnw surìKAq rhygw ?ims AwSw : myry kol vI invyS leI iek l`K ruipAw hY pr jykrmYN imaUcuAl PMf ivc invyS krW qW kI mYƒ auicq rkm pRwpq hoskygI ? jdoN mYƒ loV hovy aus vyly iPr ieh rwSI mYƒ iml skdIhY ?imstr rGU : myry kol vI l`K dy krIb hY pr kI mYN imaUcuAlPMf qoN inrMqr (kmweI) rkm pRwpq kr skdw hW ?imstr Anuj : myrw kI bxygw ? myry kol ieMnI v`fI rkm AjynhIN hY, kI mYN inXimq qOr ’qy G`t rkm invyS kr skdw hW ?kuJ sYNkVy jW…… hr mhIny ? qW kI aus dw mYƒ imaUcuAl PMflwB pRwpq hovygw ?imstr ivz : Swied mYN imstr mnI ƒ ‘hW’ nw kih skW primaUcuAl PMf ienHW swirAW dIAW loVW pUrIAW kr skdw hY[sMXukq (imaUcuAl) PMf dIAW iksmWiekivtI imaUcuAl PMfz(ies ƒ ivkws PMf dy nW nwl vI jwixAw jWdw hY) : ____________________________________________________fYbt PMfz : _______________________________________________________________________________smqol (bYlYNsf) PMfz : _______________________________________________________________________tYks bcwau (syivMg) PMfz : ____________________________________________________________________70 ______________________________________________________

Ku`ly AMq dy PMfz (Aopn-AYNiff PMfz) : ______________________________________________________________________bMd AMq dy PMfz (kloz-AYNiff PMfz) : _______________________________________________________________________ivkws Xojnw (gRoQ plYnz) : ______________________________________________________________________________lwB AMS Xojnw (fIvIfYNf plYn) : __________________________________________________________________________qrqIb vwr vwpsI Xojnw (isstymYitk ivdfRwAl plYn)(AYs.fbilaU.pI.) : ____________________________________________________________________________________qrqIbvwr invyS Xojnw (isstymYitk ienvYstmYNt plYn)(AYs.AweI.pI.): ______________________________________________________________________________________kI qusIN imstr mnI, AwSw, rGu Aqy Anuj leI shI imaUcuAl PMf dIiksm cux skdy ho ?imstr mnI : _______________________________________ims AwSw : ________________________________________imstr rGu : _______________________________________imstr Anuj : ______________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________71

Xurykw dy aupwAimstr Xurykw iek Aijhw AwrQk jwdUgr hY jo v`K-v`K ipCokVW,ikìqAW qoN Awey lokW ƒ imldw-igldw rihMdw hY[ ienHW v`K-v`KnwvW-QwvW qoN Awey lokW dIAW AwrQk loVW Aqy ie`CwvW vI v`Kv`KhI huMdIAW hn[ imstr Xurykw dw kMm ienHW ƒ sB qoN vDIAwsMBv suJwau jW aupwA dyxw huMdw hY[ auh izAwdw nhIN boldw jdoNaupwA dsdw hY[ auh bhuq QoVy iek-do SbdW ivc Awpxw jvwbidMdw hY Aqy bwkI vyrvw aus dw shXogI (AisstYNt) aus nukqy qoNaunHW ƒ smJwauNdw hY[ ipCly hPqy ijhVy v`K-v`K ipCokVW qoN AweylokW ƒ auh imilAW aunHW dw vyrvw ies pRkwr hY :1. imstr Amr vrmw, jvwn kwrobwrI AwdmI :• pRweIvyt kMpnI ’c kMm krdw hY[• irtwier hox bwAd aus dI kMpnI aus ƒ pYnSn nhINdyvygI[• auh cwhuMdw hY ik auh surìKAq QW qy invyS kry, ijhVykMpnI aus ƒ irtwier hox qy tYks shUlqW dy nwlmunwPw vI dyvy[imstr Xurykw kihMdw hY : myry dosq ies dw sB qoN vDIAwaupwA pI.pI.AYP hY[imstr Xurykw dw shXogI (AisstYNt) ieauN vyrvw idMdw hY :________________________________________________________________________________________________________________________________________________________________________________Pbilk pRovIfyNf PMf (pI.pI.AYP.) dy l`Cx :(1) ieh Xojnw 15 swlW leI huMdI hY[(2) ies ivc qusIN 1000 rupey qoN lY ky 70,000 rupey pRiqswl invyS kr skdy ho[(3) ivAwj Aqy kFwx dI svIikRqI tYks PRI hY[(4) iek h`d ivc AwdmI dI tYksXog rwSI ivcoN aus dyXogdwn ktOqI leI Xog huMdy hn[(5) ies Xojnw dy qihq lon (auDwr) suivDw Aqy kuJ h`d q`kpYsw k`Fwaux dI suivDw vI pRwpq hY[72 ______________________________________________________

2. iek kwlj ividAwrQI, imstr ibipn fy• hr mhIny QoVI ijhI rkm bcwauNdw hY Aqy aus rwSI ƒ bcq ^wqwbYNk ivc jmw krvw idMdw hY[• b`cq ^wqw bYNk aus ƒ 3.5% ivAwj idMdw hY pr auh AwpxI rkmƒ jldI vDwauxw cwhuMdw hY[• ausdIAW kwlj dIAW klwsW Aqy eysweInmyNts aus ƒ bhuq ruJweIr`Kdy hn[ aus kol nw smW hY nw koeI ivSySg ik auh AwpxI pUMjISyAr bwzwr ivc invyS kr sky[• auh bYNK ivc hI AwpxI rwSI dw koeI swrQk aupwA cwhuMdw hY[imstr Xurykw kihMdw hY : jW qW AYs.AweI.pI. jW AwvrqI jmw^wqw aus leI byhqrIn skIm rhygI[imstr Xurykw dw shXogI vyrvw idMdw hY :____________________________________________________________________________________________________________________________________________________________________________________________________AYs.AweI.pI dy mùK lwB :(i) imSirq ivAwj dr ivAwj dI qwkq : rwSI dI ivAwj auprivAwj cVq nwl pYsw jldI vDdw hY[(ii) slIkw Aqy suivDw : QoVI-QoVI jmw krvweI rkm izAwdw cu`BdI vInhIN sgoN cMgI rkm juV jWdI hY[ ieh qrIkw sOKw vI bVw hY ijvyN ikies ivc BwgIdwrI jW Xogdwn is`Dw bYNk dy ^wqy ivcoN hI kF ilAwjWdw hY[3. imstr rucw BwtIAw, iek pySwvr :• pUrw swl kwPI rkm kmwauNdw hY, kwPI swrw pYsw SyArW ’c invySkrdw hY Aqy siQr jmw ^wqw (iPksf ifpOizt), qrqIbvwr invySXojnw (AYs.AweI.pI.) Aqy ivkws imaUcuAl PMf (jI.AYm.AYP.)ivc invyS krdw hY[• iksy qrHW swl dy AMq ivc aus ƒ kwPI swrI rkm ienkm tYks(AwXkr) dy rUp ivc dyxI pYNdI hY[• auh iksy ivauNq nwl Awpxw tYks bcwauxw cwhuMdI hY[imstr Xurykw dw kihxw hY : quhwfy leI shI skIm nYSnl syivMgskIm (AYn.AYs.sI.) hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________73

imstr Xurykw dw shXogI ieauN d`sdw hY :________________________________________________________________________________________________________________________________________________________________________________rwStrI b`cq srtIiPkyt (nYSnl syivMg srtIiPkyt)• ieh Cy vry dI jmw skIm hY ijsdw pRqI vrS 8% ivAwjimldw hY[ (ivAwj hr Cy mhIinAW bwAd imSirq huMdw hY[)• invyS kIqI rkm qy kuJ sImW ivc AwXkr qy vI ktOqI huMdIhY[• ies Xojnw ƒ eyjMtW jW fwk Gr qoN pRwpq kIqw jw skdw hY[4. imstr cY~trjI :• huxy hI irtwier hoey hn : ishq bhuqI cMgI nhIN rihMdI[• Gr dy pws hI fwk Kwnw hY, inXmk AwmdnI cwhuMdy hn[imstr Xurykw dw kihxw hY : quhwfI smìsAw dw smwDwniblkul quhwfy Gr dy nwl hY[ fwk Gr mhInwvwr AwmdnIXojnw[imstr Xurykw dw shXogI kihMdw hY :________________________________________________________________________________________________________________________________________________________________________________fwk Gr mhInwvwr AwmdnI Xojnw :• fwk Gr ivc kuJ ku sMpqI Cy swlW leI 8% mhIny dy ihswbnwl invyS kIqI geI[• sMpqI aupr pRwpq ivAwj invySk ƒ mhINy dI AwmdnI AwKid`qw jWdw hY[5. sRImqI rSmI iqRpwTI, iek GrylU AOrq :• AwpxI DI dy ivAwh leI b`cq krnw cwhuMdI hY[• auh hr mhIny kuJ ku Dn bcwauMdI hY pr koeI inXimqrwSI nhIN bcw pwauNdI[ aus dI b`cq AinXimq hY[imstr Xurykw dw kihxw hY : sony dI KrId bwry soco!74 ______________________________________________________

imstr Xurykw dw shXogI vrxn krdw hY :____________________________________________________________________________________________________________________________________________________________________________________________________(1) zyvrwq KrIdxw sony ivc invyS krn dy brwbr nhIN huMdw[(2) jykr qusIN sony qy iksy pdwrQk/Tos rUp ivc invyS kro qW iPr sonydI pdwrQk surìKAw Aqy aus dI KrId dw XkIn duAwauxw iek mu`dwbx jWdw hY[(3) buhq swry bYNkW ny sony dy is`ky Aqy ie`tW (bwrs) vycxIAW SurU krid`qIAW hn[(4) bwAd ’c sonw bwzwr dI pirvrqnSIl hY[ (ies ’c vI auqwrcVwAAwauNdw rihMdw hY[)AiDAwpk leI vDyry jwxkwrI : huxy huxy sony ƒ ApdwrQk rUp ivcinvyS krn dy hor rUp eIjwd hoey hn (golf PMf)[6. imstr gurpRIq isMG, iek DnwF vpwrI :• ny SyArW ivc imaUcuAl PMf, iPks ifpOizt, Awid ivc invySkIqw[ aus ny AwXkr bcq dI cox kr aus ivc invyS kIqw[• auh aus smyN leI vDIAw vwpsI cwhuMdw hY[• auh vwpsI dI kwhl ’c nhIN hY Aqy lMmy smyN leI invyS krskdw hY[imstr Xurykw dw jvwb : kI qUM kdy rIAl eystyt bwry soicAw hY ?imstr Xukrykw dw shXogI ny spSt kIqw :____________________________________________________________________________________________________________________________________________________________________________________________________rIAl eystyt ivc invyS krn dy lwB :• Gr KrId ky koeI vI ikrwey dy KricAW qoN AwpxI b`cq krskdw hY[ jW Gr ikrwey qy dy ky AwpxI AwmdnI vDw skdw hY[• KrIdI hoeI jwiedwd/sMpqI dw mu`l Aksr vDdw jWdw hY[ ies ƒmUl dw vwDw jW kYpItl eyprIsIeySn kihMdy hn[• auqwr-cVwA ’c iek surìKAw pRdwn krdw hY[• AwdmI v`Ko-v`K coxw dy invyS kr skdw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________75

7. imstr rOSn vysuvwlw :• roSn qkrIbn 30 swlW pySwvwr jvwn hY[ aus dy pirvwr’c aus dI pqnI jo ik iek gRihxI hY Aqy 7 swlW lVkIhY[• auh Acwnk durGtnw, hwdsw jW mOq ijhIAW siQqIAW qoNAwpxy pirvwr ƒ mwlI qOr ’qy surìKAq r`Kx dI qs`lIcwhuMdw hY[imstr Xurykw kihMdw hY : myry dosq! Awpxw jIvn bImwkrvw lY[imstr Xurykw dw shXogI ivAwiKAw krdw hY :________________________________________________________________________________________________________________________________________________________________________________PIs dI AdwiegI leI iv`qI sMktW dy ivrùD bImw iekbcwv/surìKAw hY[ jIvn bImw mnu`K dy au~pr Acwnk Aw jwxvwly sMktW jW siQqIAW vyly AwpxI ijMmyvwrIAW inBwaux ’c mddkrdw hY ijvyN ik Acwnk mOq jW Awphj hox qy AwmdnI dw ru`kjwxw[ ies pwlsI ivc quhwƒ hr swl jW mhINy iek qYA Xukqrkm jmw krvwauxI huMdI hY[ ies inSicq rkm ƒ pRImIAmkihMdy hn[mu`K qOr ’qy iqMn qrHW dI bImw Xojnw huMdI hY :• pUrn sMkt (pXor irsk) jW AvDI bImw (trmieMSorYNs) – ijs ivc swrw pRImIAm bImy ivc hI jWdwhY[• sMpn XojnwvW (AYNfomYNt pOilsIz) - ijs ivc pRImIAmdy bkwie auprMq bSrqy ijhVw jIvn sMkt leI PMfsQwpq kr ky invyS kIqw jWdw hY (sMpn Xojnw AYNfomYNt)Aqy bImy dI AauD pu`gx qy munwPy sihq jW rihq id`qwjWdw hY[• sMpUrn jIvn pwlsI – ies ivc bImy dI rkm jo ik ijsbMdy ny PMfW nwl iek`TI kIqI huMdI hY auh aus dy kwƒnIvwrs ƒ id`qI jWdI hY[A`j kl qkrIbn hr bImw kMpnI Xuint ilMkf ienSXorYNs plYn(XU.AYl.AweI.pI.) dI shUlq idMdI hY jo ik bImy dy munwPy AqyimaUcuAl PMf dy dohry munwPy idMdI hY[ ieh vI sMpn (AYNfomYNt)Xojnw vWg imaUcuAl PMf ’c invyS kIqw huMdw hY[76 ______________________________________________________

8. imstr syibn fI’kostw, iek A`DKV AwdmI ny• 50,000 rupey Awpxy im`qr ƒ idl dI srjrI leI auDwr id`qyhn[ jykr aus ƒ Awpqkwl Acwnk mYfIkl loV pY jwvy qW auhAwpxy im`qrW koloN hudwr mMgx dI Srmnwk siQqI qoN bcwauxwcwhuMdw hY[• auh Awpxy mYfIkl (fwktrI) ielwj leI koeI jugq bnwauxwcwhuMdw hY[imstr Xurykw kihMdw hY : qW iPr mYfIkl bImw krvw lE[imstr Xurkw dw shXogI spSt krdw hY :____________________________________________________________________________________________________________________________________________________________________________________________________A`jkl dy sMdrB ivc mYfIkl bImw krvwauxw bhuq zrUrI hY ikauNikbImwrI dI sUrq ivc hspqwlW dw ^rcw bhuq mihMgw ho cukw hY[ mYfIklbImw leI quhwƒ pRiq mhInw/swl pRImIAm jmw krvwauxw pYNdw hY qW iPrbImw kMpnI quhwfy AauKy vyly bImwrI dI hwlq ivc quhwfw hspqwl dw^rcw Kud Adw krn dw vcn idMdI hY jW ijMmw lYNdI hY[ pRImIAm dIrwSI ik qusIN ikMnI Adw krnI hy, ieh quhwfI pwlsI qy inrBr krdw hYik qusIN ikMnI rwSI dw mYfIkl bImw krvwauxw cwhuMdy ho[mYfIkl bImy au~pr srkwr pRImIAm qy kuJ AwmdnI tYks ivc vIirAwieq idMdI hY[srgrmI : AwrQk ivSySg jo rol Adw krdYhux qusIN invyS krn dyy pRwpq keI swDnW qoN jwxU ho qW kI qusIN pirvwrdy v`K-v`K mYNbrW leI aunHW dI loV Anuswr invyS krn dy suJw dy skdyho? qusIN Agly pMny qy id`qI AwrQk AYfvweIzr gweIf dI mdd lY skdyho[cwr mYNbrI pirvwr, quhwfy kol AwrQk smJ lYx leI AwauNdw hY[imstr suryS 47 virHAW dw, iek bYNk ivc mulwzm hY[ auh Awpxypirvwr dI surìKAw aunHW hwlqW ivc jykr Acwnk aus dI mOq ho jwvy,leI iPkrmMd hY[ sqIz jo ik imstr mYnn dw pu`qr hY, auh ieMjInirMgkwlj dy qIjy swl ivc hY, jo ik Awpxy KwlI smyN ivc rYsqrW ivc kMmkr ky kuJ pYsw kmwauNdw hY[ ryxu imstr mYnn dI bytI 22 swlW dI hY,jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________77

aus ny hwl ivc hI PRIlYNs PYSn ifzweInr dy qOr ’qy kMm krnwSurU kIqw hY[ imstr ivSwl mYnn, suryS mYnn dy ipqw jI hn ,ijnW dI aumr 70 swl hY Aqy irtwier bzurg hn qy aunHW ƒirtwiermYNt gRcuietI (qn^wh) iek l`K dy krIb imlI hY[mnu`KinvyS dIAW iksmW78 ______________________________________________________

iv`q sMbMDI slwhkwrI gweIfpihlw pVw dUjw pVw qIjw pVw cOQw pVwbìcAW dy ivAwhGrbìcAW dI ividAwivAwhbìcAw dw jnm18 swl q`k 18 qoN 40 swl q`k 40 qoN 58 swl q`k 58 swl qoN bwAdividAw kmweI dy mu`Fly vrHy kmweI dy mu`Fly vrHy irtwiermYNt qoN bwAdividAwrQI jIvnjIvn dI mu`FlI kmweIdy pVwAjIvn dy bwAd dykmweI dy pVwAirtwiemYNt qoN bwAd dyjIvn dy pVwA• ies smyN ’cAwmdnI nw jWnwbrwbr hox kwrnkoeI v`fw invyS nhINho skdw[• v`fI invySk rwSIiek dm hyTW Awvy iesleI swrI invyS pUMjIPMf leI Aijhw Kqrwmol nhIN lYxw cwhIdw[• kuJ b`cq qy rkmiek`qr hox qoN bwAdieh smW huMdw hY[• ies smyN ’c ^qrylYx dI smr`Qw G`t jWdIhY[ ies leI surìKAqinvyS dI loV huMdI hY[• ies smyN dOrwninvyS dy v`K v`K FMgWbwry jwxkwrI krnIcwhIdI hY[• dUjy pwsy invySk koliksy Kqry kwrn hwnI qoNaupr auTx leI kwPIsmW huMdw hY[• invySk st`wkmwrikt ƒ is`Dy qOr ’qyjW imaucuAl PMf rwhINaus dy ^qry qoN jwxU ho kyKoj kr skdw hY[• ishq dI dyK BwlsMbMDI iqAwrI dI lV• b`cq Aqy inrMqrCotI b`cq kr ky invySkrn dI Awdqivksq kr skdy hn[• ies leI invySkAwpxI pUMjI dw kuJ ih`swinvyS krn bwry socskdw hY[ 10% qoN 20%dI b`cq ƒ v`fy K`qrynwl v`fy munwPy dIvwpsI dI idRStI qoNinvyS kr skdw hY[• ies AvsQw ivctYks b`cq sdIAW vDyryAwkriSq krdIAW hn[• invyS qoN inXmkAwmdnI dI loV[• bYNk ^wqw KolxwcwhIdw hY Aqy bYNkwAqy aus dy kwrjsMbMDw bwry jwxkwrIlYxI cwhIdI hY[• ies smyN ivc (20 qoN25%) AwpxI bcq dwkuJ ih`sw lMmy smyN dwinXmk invyS skIm,pYnSnXojnw(AYs.AweI.pI.) (XU.AYl.AweI.pI.) ’c invyS krskdw hY[• jykr pihlW GrAwid qy invyS nw kIqwhovy qW Gr jW (rIAleystyt invyS) leI shIsmW huMdw hY[• lMmy smyN leI kIqIAWbImw pwlsIAW ƒ G`tpRImIAm idRStI qoN dyKxdI loV[• irtwier hox dy smyNleI pihlW hI invyS dIloV[• loV muqwbk tYksb`cq XojnwvW v`liDAwn dyx dI loV[• invyS ƒ iBMn iBMn QWqy krnw zrUrI huMdw hY[• pI.pI.AYP.^wqwKolx dw shI smW[• Gr leI QW Bwlxvyly sqrkqw dI loV[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________79

smwrt (cusq) pUrv inrIKxAglI klws ivc AsIN hudwr lYx bwry pVHWgy• kdoN hudwr lE kdoN nhIN• kRYift kwr : Pwiedy qy nukswn• hudwr kwrn vDdw mu`l• iBMn pRkwr dy bYNk lon80 ______________________________________________________

s`qvIN bYTkbcq qoN pwr : auDwr lYxw^brW^brWG`toN G`tivAwj dr ’qyhwaus lonpMj l`K q`k dykrzy leI koeIpùC-ig`C qyzmwnq nhIN^brWAsIN krzw idMdy hW,qusIN Awpxy spnypUry kromyrI AMqm jmW pUMjI• nwqjurbykwrW dy st`wk mwrikt ivc invyS krn leIimaUcuAl PMf kMm suKwlw krdy hn[• v`K-v`K iksmW dy imaUcuAl PMf inrBrqw krdy hn ik :‣ PMf ik`Qy invyS kIqw igAw hY‣ Aus pYsy dI r`Kx/k`Fx dI nrmI‣ ijs qrIky ’c qusIN invyS krdy ho jW imaUcuAlPMf ivcoN k`FvwauNdy ho[• bYNk ’c jmw krvwaux Aqy st`wk mwrikt ivc lgvwauxqoN ielwvw hor vI invyS krn dy keI FMg huMdy hn[• kuJ jmW skImW tYks munwPy idMdIAW hn kuJ nhINidMdIAW‣ dyhwqI invySIAW leI fwk Gr lGU bcq XojnwvWbhuq pRcilq Aqy Awgwmdyh hn[AY&.AweI.bYNk‣ pbilk pRoivfyNt PMf vI bhuq suivDwjnk invySkrn dw rwh hY ijs ivc tYks sMbMDI shUlqw vIhn[‣ sonw Aqy Ac`l jwiedwd vI invyS leI mOkw pRdwnkrdIAW hn[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________81

ijigAwsw“jo auDwr lYx igAw – so mirAw”bYNjimn PYRNkilnkI auDwr lYxw hmySw mwVw hI huMdw hY ? _________________krIey jW nw krIey : auDwr lYxw cwhIdw hYjW auDwr nhIN lYxw cwhIdwclo do dosqW dI audwhrx lYNdy hWsqIS dy mwmly ’cswl pihlW sqIS ny nvW sY~l Pon lYx leI 10 hzwr rupey dwlon il`qw[ aus dI kImq 11,990 rupye sI[ A`j aus ƒ iehpqw lìgAw ik aus sY~l Pon dI kImq G`t ky 6,999 rupey hogeI hY[hux auh ies g`l qoN prySwn hY ik aus ny lon ikauN ilAw[ ieslon nwloN qW cMgw sI ik auh pYsy bcw ky jW joV ky Pon KrIdlYNdw[ ies nwl iek qW aus ƒ Pon mihMgy BwA dI jgHW ssqydwm pYxw sI qy dUjw ijhVI lon il`qI rwSI au~pr aus ƒ ivAwjdyxw ipAw, auh rkm vI aus dI bc jwxI sI[ ies dy ielwvwijhVI rwSI dI aus ny bcq krnI sI, aus au~pr aus dw ivAwjvI juVdw jwxw sI[AwSIS dy mwmly ’cdo ku swl pihlW AwSIS iek 2 bI. AY~c. ky. (do bY~f rUp, hwlqy ikcn) vwlI jgHW vyKx dw mn bxw irhw sI[ pr aus ny iehivcwr C`f id`qw ikauNik nw qW jwiedwd KrIdx leI aus kolpUMjI sI nw hI ah ‘hom lon’ lYxw cwhuMdw sI[ hux aus ny iehmihsUs kIqw ik aus jgHW dI kImq qW bhuq v`D geI hY[ huxaus ƒ pCqwvw l`gdw hY ik aus ny hom lon lY ky auh jgHW KrIdikauN nw il`qI ? jykr aus ny hom lon il`qw huMdw qW aus ny kyvl82 ______________________________________________________

ikrwieAw hI nw bcwieAw huMdw, ijhVw ik hux auh mOjUdw jgHW dw dy irhwhY sgoN aus ƒ kuJ tYks ivc vI rwhq jW Pwiedw huMdw[kI sqIS ny sY~l Pon KrIdx leI lon lY ky isAwxp kIqI ?_______________________________________________jykr ieh mMn ilAw jwey ik AwSIS lon lYx dI Xogqw r`Kdw sI qW vI,kI aus ny jwiedwd KrIdx leI lon nw lY ky isAwxp kIqI ?_________________________________________________iknHW hwlwqW ivc auDwr lYxw bu`DImqw huMdI hY ?1. ____________________________________________________________________________________2. _____________________________________________________________________________________isDWqk p`KoNeI.AYm.AweI. =mhIny dI brwbrikSq3. ____________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________83

auDwr dw mu`lhyT ilKy iqMn ivigAwn vyKo [0 % ivAwjspwt 5 %ivAwjpySgIeI.AYm.AweI. –0 % ivAwjauDwr lYx vwly leI ikhVI skIm vDIAw hY ? ____________koeI vI vpwrk audXog pYsw auDwr ikauN idMdw hY ?____________________________________________idlcsp ivAwj Aqy eI.AYm.AweI.AMimRqw d`svIN jmwqw dI ividAwrQx irhweISI skUl ivc pVdIhY[ auh bhuq vDIAw icqrkwr hY qy auh Awpxy mwipAW dI SwdIdI vry gMF qy aunHw ƒ Awpxy h`Q dw bxwieAw kYnvs aupr qylicqr quhPy vjoN dyxw cwhuMdI hY[ swrI swmgRI KrIdx vwsqy aus ƒ1200 rupey loVINdy hn[ nw hI qW aus kol pYsy hn qy nw hI auhAwpxy mW-bwp qoN mMgxw cwhuMdI hY ikauNik auh aunHW ƒ AcwnkquhPw dy ky hYrwn krnw cwhuMdI hY[AMimRqw AwpxI shylI irqu koloN pYsy auDwr cu`kx dw PYslw krdI hYikauNik aus kol kuJ PwlqU pYsy jmw hn[ AMimRqw aus ƒ 12mhIinAW ’c ikSqW vwpsI krn ƒ kihMdI hY[ irqu aus ƒ 1200rupey auDwr dyx leI rwzI ho jWdI hY pr kihMdI hY ik auh iesrwSI au~pr QoVw ivAwj lvygI[ AMimRqw pu`CdI hY “qUM ikMnw ivAwjmyry qoN lvyNgI Aqy mYƒ hr mhIny ikMnI rkm Adw krnI pvygI ?irqu igxqI kr ky ihswb lgwauNdI hY[mul rwSIiek swl leI 1200 aupr 10% ivAwjku`leI.AYm.AweI.: 1200 rupey: 120 rupey: 1320 rupey: 110 rupeyAMimRqw bzwqy bVI sqrk kuVI hY ies leI auh Awp vI aus rwSIaupr ivAwj ƒ igxdI hY[ hyT iliKq ausdI kwrjSIt hY :84 ______________________________________________________

sUcI 1a A e s hmhInw ikSq mul ijsauprivAwj mul vwpskrnwmul dw bkwieAw(A) –(s)ivAwjl`gxw hY(a) – (e)1.00 110.00 1200.00 10.00 100.00 1100.002.00 110.00 1100.00 9.17 100.83 999.173.00 110.00 999.17 8.33 101.67 897.494.00 110.00 897.49 7.48 102.52 794.975.00 110.00 794.97 6.62 103.38 691.606.00 110.00 691.60 5.76 104.24 587.367.00 110.00 587.36 4.89 105.11 482.258.00 110.00 482.25 4.02 105.98 376.279.00 110.00 376.27 3.14 106.86 269.4110.00 110.00 269.41 2.25 107.75 161.6511.00 110.00 161.65 1.35 108.65 53.0012.00 ? 53.00 0.44eI.AYm.AweI. kI hY ?_________________________________________________kI AMimRqw ƒ swry 110 rupey dy 12 eI.AYm.AweI. dyxy cwhIdy hn ?_________________________________________________sUcI 2 : bkwieAw Gtwaux dI ivDImhInwkISqW ’c pRbMDa A e s hikSqmul ijsauprivAwjl`gxw hYivAwjmul vwpskrnw(a) – (e)mul dwbkwieAw(A) –(s)1 105.50 1200.00 10.00 95.50 1104.502 105.50 1104.50 9.20 96.30 1008.203 105.50 1008.20 8.40 97.10 911.114 105.50 911.11 7.59 97.91 913.205 105.50 913.20 6.78 98.72 714.486 105.50 714.48 5.95 99.55 614.937 105.50 614.93 5.12 100.38 514.558 105.50 514.55 4.29 101.21 413.349 105.50 413.34 3.44 102.06 311.2910 105.50 311.29 2.59 102.91 208.3811 105.50 208.38 1.74 103.76 104.6212 105.50 104.62 0.87 104.63 -0.01isDWqk-p`KoNeI.AYm.AweI. (brwbrmhInwvr ikSq) auhrwSI hY jo auDwr cu`kxvwly ƒ vwps krnI pYNdIhY[ aus aupr mUl dy nwlivAwj dI AdwiegI vIkrnI huMdI hY, jo ikauDwr dy im`Qy smyN dy AMqqy moVnI huMdI hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________85

igxy hoey ivAwj dI GtwaU bkwieAw ivDI kI hY ?________________________________________________________________________________________AMimRqw ƒ 12 mhIinAW leI hr mhIny 105 rupey 50 pYsy Adwkrny pYxgy[plwsitk rwSI : sB qoN sOKI coxAMimRqw QoVI audwsI hoeI hor qrkIbW socx lgdI hY ijvyN ikkRYift-kwrf[ auh Awpxy AMkl ƒ bulWdI hY[AMimRqw : hYlo AMkl! mYN quhwƒ dìsAw sI ik mYƒ kuJ pYisAW dIloV hY[ kI ijhVy pYsy mYƒ myry ipqw jI ny id`qy hoey hn, aunHW ƒ mYNkRYift kwrf rwhIN inkwl skdI hW kI nhIN ?qusIN kRYift kwrf duAwrw vsq ikvyN KrIdogy ?pihlw kdm : qusIN Awpxw kwrf dukwndwr ƒ idEgy[dUjw kdm : dukwndwr aus dI fuplIkyt cwrj-sil`p bxweygwiekmrcYNt (vpwrI) k`wpI dUjI kstmr (gRwhk) k`wpI[qIjw kdm : qusIN vpwrI k`wpI aupr hsqw^r kr ky dukwndwr ƒvwps krdy ho Aqy gRwhk k`wpI Awpxy kol r`K lYNdy ho Aqy AwpxwkRYift kwrf aus koloN vwps lY lYNdy ho[kI quhwfy iKlAwl ivc AMimRqw leI kRYift kwrf qy pYsy cu`kkyAwpxI bkwieAw rkm Adw krnw isAwxp hovygI ?____________________________________________AMimRqw dy AMkl ny vI aus ƒ ieho g`l smJweI[ aunHW ny vI aus ƒbhuq idlcsp sUcnw pRdwn kIqIAW[86 ______________________________________________________

jykr qusIN G`t qoN G`t bkwieAw rkm kyvl Adw krnw psMd krogy qWaus leI quhwƒ _______________ pUrI rkm dw vwps moVnw pvygw[ieho ijhy hwlwqW ’c qusIN 1200 rupey dy auDwr au~pr qkrIbn_________ ivAwj dy ky ^qm krogy[ies leI quhwƒ kul rwSI ________ 1200 rupey il`qI rkm dy moVn qyAdw krnI pvygI[kRYift kwrf dy Pwiedy1._______________________________________________2._______________________________________________3._______________________________________________kRYift kwrf r`Kx vwsqy kuJ swvDwnIAW dI loV1. jdoN hI qusIN kRYift kwrf pRwpq kro ausy vyly hsqw^r pYnl au~prhsqw^r kro[2. Awpxy ipn (prsnl AweIfYNittIiPkySn nMbr) dy Byq ƒ r`Kx dIiehiqAwq vrqo[ ieh ipn quhwƒ bYNk vloN mylr rwhIN imldw hY[ijMnI CyqI ho sky ipn bdl lvo Aqy ipn mylr ƒ ausy vyly nSt kridE[ bYNk dy ey.tI.AYm. ’c pRvyS krn leI quhwƒ ‘ipn’ dI vrqoNkrnI pYNdI hY[3. AwpxI KrIdo-ProKq krn auprMq qurMq Awpxw kRYift kwrf vwps lYlE[ ies ƒ AwpxI nzroN Ehly nw hox idE[4. Quhwfy kwrf duAwrw jo vI KrIdo-Pro^q hoeI hovy, mhIny dy ib`lAwaux bwAd AwpxIAW rsIdW aus nwl imlw lE[ aus kwrf dIAWkwrvweIAW (tRwzYkSnz) dIAW stytmYNtW cYk kro[ jykr koeIPwlqU/ApRmwixk ib`l ligAw hovy qW qurMq irpot kro[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________87

5. Awpxy swry kwrf nMbrW dI sUcI bxw ky r`Ko qy aunHW ƒsurìKAq QW qy sMBwlo[bYNk lonW dw ivSwl Gyrwsubrwqw : mYN iek PotogRwPr hW[ myrI koeI inSicq mhInwvrAwmdnI nhIN hY[ iksy mhIny mYN 80,000 rpey kmw lYNdw hW qykeI mhIinAW ivc myrI koeI vI kmweI nhIN huMdI[ mYN 25 l`Krupey q`k dw iek Gr KIdxw cwhuMdw hW, ijs leI mYN bYNk qoN lonlYxw cwhuMdw hW[kI subrwqw ƒ hom jW hwauisMg lon bYNk qoN iml jwvygw ?jvwb : ______________________________________nym pihlw : __________________________________Anujw : mYN hr mhIny 25,000 rupey kumWdw hW pr kumwaux vwlw13 bMidAW dy sMGukq pirvwr ivc mYN kyvl ieko-iek s`ds hW[myrI swrI AwmdnI Gr dy KricAW ivc hI ^pq ho jWdI hY[ mYNbYNk qoN prsnl lon (injI auDwr) AwpxI bytI dy ivAwh dyKricAW leI lYxw cwhuMdw[kI Anujw bYNk qoN prsnl lon lY skdw hY ?jvwb : ______________________________________nym dUjw : ____________________________________kOiSk : mYN kwl sYNtr ’c krmcwrI sW Aqy iqMn swl pihlW mYNkwr lon ilAw sI[ bImwr hox kwrx swl bwAd mYN nOkrI C`fid`qI qy aus qoN bwAd kwr lon dI mhInwvwr ikSq dyx qoN mYNAsmr`Q ho igAw qy hux mYN AwpxI injI kMpnI Kolx leI lonlYxw cwhuMdw hW[kI kOSk bYNk qoN lon pRwpq kr skygw ?jvwb : ______________________________________nym qIjw : ___________________________________kmlyS : mYN GoVw pwlx vwlw Pwrm Kolxw cwhuMdw hW ijs dI88 ______________________________________________________

iek kroV lwgq hY[ myrw kRYift ieiqhws Aqy injI nYt vrQ bhuqvDIAw hY[kI bYNk kmlyS ƒ iek kroV dw lon dy dyvygw ?jvwb : ___________________________________________nym cOQw : _________________________________________kmlyS (cldw…) : mYN 15 l`K bYNk ƒ mwrijn rkm jmW krw idAWgwpr mYƒ 85 l`K rupey au~pr ivAwj dyxw pvygw ik iek kroV au~pr ?jvwb (nym pMjvW) : __________________________________sMjy : mYN kWblw ihlz qy 2 kroV dw iek pYNthwaUs KrIdxw cwhuMdw hW[jykr mYN bYNk koloN ‘hwaUisMg lon’ lvW qW ijhVy KrIdx vycx kwrj dIfIf (kwrvweI) dy AslI kwgzwq hn auh myry kol rihxgy jW bYNk kol ?jvwb (nym CyvW) : ___________________________________jXw : mYN pMj l`K dw isìKAw lon lYx dw inrxw il`qw hY[ iesdIAWikSqW dI kI rkm dyxI pvygI ijhVI ik (eI.AYm.AweI.-brwbrmhInwvwr ikSq) hr mhIny Adw krnI pvygI ?jvwb (nym sqvW) : __________________________________bYNfI : mYƒ bweIks dw bVw SONk hY Aqy mYN Awr.AYks 100 KrIdxwcwhuMdw hW, ijs dI kImq qkrIbn iek l`K dy krIb hY[ mYN ies swrIrkm qy bYNk koloN lon lYxw cwhuMdw hW[ jykr bYNK mYƒ lon dyx leI rwzI hojWdw hY qW kI bYNk ieh lon dI rkm myry bYNk ^wqy ’c jmw krygw jW auhmYƒ nkd rUp ’c dyxgy[jvwb (nym A`TvW) : _________________________________lon dIAW iviBMn iksmW• vwhn lon• gRwhk lonjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________89

• injI lon• ividAw leI lon• hwauisMg/hom lonienHW lonW dIAW v`D sUcnwvW leI AwpxI AiDAYn ik`t(homvrk leI) ivc sMpqI isDWq k`wpI ivc ilKo[quhwƒ ikMnw auDwr cu`kxw cwhIdw hY ? 70-20-10 nym70-20-10 dw nym kI hY ?____________________________________________________________________________________________________________________________________smwrt (cusq) pUrv inrIKxAwpxI AglI jmwq ivc qusIN AwpxI swrI isìKAw ƒ AslIizMdgI dIAW siQqIAW ivc lwgU krogy Aqy is`KidAW hoey kmwauxdy mOky ƒ vyKogy[90 ______________________________________________________

A`TvIN bYTkAMqm aultI igxqImyrI AMqm jmw pUMjI• auDwr cu`kx dI buinAwd loV hoxI cwhIdI hY nw ikie`CwvW[• auDwr dy nwl mul juiVAw huMdw hY, ijs dw nW hY ivAwj[• brwbr mhInwvwr ikSq dw sMklp• kRYift kwrf-ies dy Pwiedy Aqy ies leI loVINdIswvDwnI[• bYNk irx lYx dy swDwrn gweIf krn dy AsUl[• 70-20-10 dw nym[AYP.AweI.bYNkjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________91

ijigAwswhyT ilKy kQnW ƒ pVH ky shI jW Zlq dw inSwn lgwE :1. jykr koeI ds hzwr iek swl leI 15% ivAwj dy ihswbnwl auDwr lvy qW aus dw eI.AYm.AweI. 958 rupey bxygw[2. koeI vI hr pRkwr dy invyS nwl tYks lwB auTw skdw hY[3. jykr koeI 10,000 rupey 8 swl leI 8% imSirq ivAwjswlwnw dI dr qy lgwvy qW aus dw mu`l dugxw ho jWdw hY[4. koeI bMdw 15,000 rupey dy mu`l dw sY~l Pon KrIdxw cwhuMdw hYqW aus leI cMgw hovygw jykr auh swl leI kRYift kwrf qyijs dy ivAwj dI dr 3% hovygI, aus dw pRXog kry, nwik12% dI dr qy injI lon iek swl leI lvy[5. eI.AYm.AweI. dw ArQ hY smwn jW brwbr mhInwvwr ivAwjdyxI[6. swfy leI Bwrq ivc kwPI swrIAW v`fIAW-v`fIAW kMpnIAW dySyArW dw munwPw lYxw sMBv hY[7. jykr iksy kol rwSn kwrf nw vI hovy qW vI auh bYNk ivcAwpxw ^wqw Kol skdw hY[8. koeI vI AwpxI bcq fwk ^wny ’c jmw krvw skdw hY[9. 18 swlW qoN G`t aumr dw bMdw bYNk ’c lon lYx leI ArzI dyskdw hY[10. jdoN qusIN pYsw bcwauNdy ho qW auh vDdw hY[myrw AwrQk nzrIAw =ijMny svwl TIk hn=(AYP.AweI.kXU.) 10 1092 ______________________________________________________

kMipaUtr bwry jWcsnI ƒ imloaumr : 15 swlSONk : kMipaUtr KyfW isrjxIAWsupnw : iek Kyf kMpnI bxw ky AmIr bnxwnPrq : aus dy mOjUdw kMipaUtr nwl ikauNik auh hOlI cldw hY[aus dy imqr aus ƒ ipAwr krdy hn : ikauNik auh aunHW dy kMipaUtr TIkkr idMdw hYausdy supinAW dI mSIn dI kImq : 35,000 rupeyAMqm smwryKw : 9 mhInysnI dw smwrt (cusq) tIcw :____________________________________________________________________________________________________________________________________________________________________________________________________snI dI AwmdnI-Krcy :snI dy mwpy aus ƒ hr h&qy 250 rupey jyb ^rc idMdy hn[ ipCly mhInysnI ny hyT ilKIAW cIzW au~pr Awpxy pYsy ^rc kIqy :kYntIn ib`l : 400 rupey, ipkcrW vyKx : 150, kMipaUtrI KyfW : 150,rysqrW ivc : 150, A`wtoirkSw : 600, mobweIl ib`l : 750, stySnrI :50 rupey[ ausdI mMmI ny asu dy pwpw ƒ d`sy bZYr aus ƒ 500 rupey horid`qy qy ieh hI ikhw ik hr vwr ieMj dyxw sMBv nhIN[ mobweIl ib`lis`Dw ausdy pwpw ny Bugqwn kr id`qw[ snI ny ihswb lgwieAw ik aus dymwipAw ny ipCly swl aus dy kpiVAw qy 6000 rupey ^rc kIqy[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________93

snI dIAW loVW/ie`CwvW dw ivSlySx Aqy bcq Xojnw :sUcI 1Kyqr rkm KrcI loV/ie`Cw ivauNqy hoeyKrcykYntInA`wtoipkcrrysqrWkMipaUtr gymstySnrIku`lmobweIlkpVyku`lsnI ikMnI bcq kr skdw hY ?sUcI 2bcq Kyqrjyb KrcImObweIl ib`lkpVyku`lsnI dI loVINdI rwSIAjy hor cwhIdI rkmhr mhIny bcweIrwSI9 mhIny bwAd dIbcqsnI ny mihsUs kIqw :ipCly jnm idn qy 25 PrvrI ƒ aus leI aus dy mW-bwp ny5000 rupey ^rc kIqy[ ies vrHy pRI-borf iemiqhwnW kr ky auhAwpxw jnm idn nhIN mnw skygw, ijvyN ik aus dy dosq-im`qr vIpVHn ivc ru`Jy hoxgy[94 ______________________________________________________

iek vwr jy auh nvW kMipaUtr KrId lvy qW iPr aus ƒ purwxy kMipaUtrdI loV nhIN rhygI[ aus dy gvWFI im`qr ny purwxy kMipautr leI pihlWhI 5,725 rupey dI pySkS kIqI hY, ijhVw ik kyvl iek swl purwxw hY[sUcI 3KyqrAMq ’c jo rkm bcweIjyb ^rcmobweIl ib`lkpVyjnm idn qy hox vwlwKrcwPurwxw kMipautr vyckykùl jmw rwSIAjy loVINdI rkmsnI ƒ suJwA__________________________________________________________________________________________________khwxI ieauN clI :sUcI 4^yqrrkmAjy q`k joVI rkmsnI dI 9 mhIinAW dI kmweIhux q`k iekqr pUMjIAjy loVINdI rkmaus ƒ kI krnw cwhIdw hY ?kI auh Awpxy audyS ƒ C`f dyvy ? __________________________kI auh aus ƒ pRwpq krn leI koeI rwh FUMfy ? ________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________95

quhwfy ivcwr ivc ies smìsAw dw kI h`l hY ? kI auh ieh rwSIiksy koloN auDwr lY skdw hY ?________________________________________________________________________________________kI bYNk aus ƒ rwSI auDwr dy dyvygw ? ikauN ?________________________________________________________________________________________snI ƒ kOx pYsw auDwr dy skdw hY ?________________________________________________________________________________________snI lon ikvyN lvygw ?________________________________________________________________________________________snI lon dy pYsy ikvyN vwpsI moVygw ?________________________________________________________________________________________snI ƒ au~qm vrqwrw (fIl) ikQoN qy ikvyN iml skdI hY ?________________________________________________________________________________________________________________________________________________________________________________snI ƒ vwps ikMnw moVnw pvygw ?________________________________________________________________________________________96 ______________________________________________________

snI dy lon ƒ vwpsI movn dI Xojnw :snI dy ipqw jI aus ƒ mjbUr krdy hn ik snI aunHW ƒ hr mhIny kuJAdwiegI krdw jwey qW ik lon dy pYsy hOlI-hOlI vwps moVy jwx[ huxsnI ƒ hr mhIny Awpxy ipqw jI ƒ ikMny pYsy dyxy cwhIdy hn ?____________________________________________________________________________________________________________________________________________________________________________________________________jykr snI hr mhIny 1237 rupey dI ikSq moVdw jwvy qW ikvyN rhygw ?sUcI 5snI hr mhIny 1237 rupey dI ikSq Adw krdw hY[mUl 13250ikSq 1237ivAwj dI dr 12ikSq dI ivvsQwmhInw ikSq mUl ijs qyivAwj dyxwhYivAwjmUl Adwkrnw(1)-(3)mUl dwbkwieAw(2)-(4)-1 -2 -3 -4 -51 1237 13250 132.5 1104.5 12145.52 1237 12145.5 121.46 1115.55 11029.963 1237 11029.96 110.3 1126.7 9903.254 1237 9903.25 99.03 1137.97 8765.295 1237 8765.29 87.65 1149.35 7615.946 1237 7615.94 76.16 1160.84 6455.17 1237 6455.1 64.55 1172.45 5282.658 1237 5282.65 52.83 1184.17 4098.489 1237 4098.48 40.98 1196.02 2902.4610 1237 2902.46 29.02 1207.98 1694.4911 1237 1694.49 16.94 1220.06 474.4312 1237 474.43 4.74 1232.26 -757.82jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________97

aupr id`qI sUcI bwry quhwfy kI ivcwr hn ?____________________________________________________________________________________________________________________________________________________________________________________________________________________________shI eI.AYm.AweI. jo snI ny Adw krnw hY :snI dy ipqw jI ny aus ƒ koeI bVI hI hONslw APzweI vwlI g`ld`sI[ Asl ivc snI ƒ 1237 rupey eI.AYm.AweI. Adw krn dIloV nhIN[ Asl ivc ieh rkm 1177 rupey hoxI cwhIdI hY[Asl ivc 1177 rupey Adw krn vwlw eI.AYm.AweI. PwrmulwkwPI jitl qy ivsqirq hY[ ^Yr ies aumr ’c quhwƒ Ajy iehPwrmulw is`Kx dI loV nhIN[ AwE vyKIey jykr snI 1177 rupeyeI.AYm.AweI. Adw krdw hY qW kI huMdw hY[sUcI 6mUl 13250ikSq 1177ivAwj dI dr 12ikSq dI ivvsQwmhInw(a)(A)(e)(s)(h)ikSqmUl ijs qyivAwj dyxwhYivAwjmUl Adwkrnw(a)-(e)mUl dwbkwieAw(A)-(s)1 1177 13250 132.5 1104.5 12205.52 1177 12205.5 122.06 1054.95 11150.563 1177 11150.56 111.51 1065.49 10085.064 1177 10085.06 100.85 1076.15 9008.915 1177 9008.91 90.09 1086.91 79226 1177 7922 79.22 1097.78 6824.227 1177 6824.22 68.24 1108.76 5715.468 1177 5715.46 57.15 1119.85 4595.629 1177 4595.62 45.96 1131.04 3464.5710 1177 3464.57 34.65 1142.35 2322.2211 1177 2322.22 23.22 1153.78 1168.4412 1177 1168.44 11.68 1165.32 3.1398 ______________________________________________________

kùl rwSI jo ipqw jI ƒ moVnI hY jo ik bkwieAw rkm ƒ Gtwaux vwlIivDI ƒ brqoN ’c ilAwaux qoN igxI geI hY : ____________ rupey[Asl rkm jo snI ƒ moVnI pvygI auh _________ rupey hY[snI iek ClWg hor AgWh cu`kdw hY !!!snI bVw KuS hY ik aus ƒ G`t rkm Adw krnI pvygI[ iPr aus dy ipqwjI aus ƒ aus qoN vI v`DIAW hor suJw idMdy hn[ snI dy ipqw jI hrmhIny eI.AYm.AweI. dy 1177 rupey 12 mhIny dyx dI bjwie, snI aunHW ƒ624 rupey mhIny dI ikSq do swlW (24 mhIinAW) leI dy skdw hY[ snIAwpxI bcq dI bwkI rwSI, ijhVI ik 500 rupey mhIny dy krIb hY, ausƒ bVI idlcsp ‘invyS Xojnw’ ivc invyS kr skdw hY[ ies nwl snIƒ vDyry lwB hovygw[ipqw jI snI ƒ kihMdy hn, “mYƒ ieh Zzb dI invyS Xojnw jIvn ’cbVI dyr bwAd pqw l`gIAW[ mYN 35 swlW dw ho ky hr mhIny iek hzwr(1000/-) rupey 12% ivAwj qy bcq krn dw inrxw ilAw[ qYƒ pqw hYik hux jdoN mYN 45 swlW dw ho igAw hW, hux q`k ieh rkm ikMnI v`D cu`kIhY ? 2,30,039 rupey[sUcI 7invyS pUMjI /mhInysmWivAwjdI drkùl pUMjI(rupey)snI dyipqw jI1000 10 swl 12% 2,30,039snI 500 30 swl 12%500 20 swl 12%20,98,766snI ny Awpxy jyb KrcI lYx dy idnW ivc hI qrqIbvwr invyS Xojnwbwry sB kuJ jwx ilAw hY[ jykr snI (AwpxI bcq jW kmweI ivcoN) 25swl dI aumr q`k 500 rupey invyS krdw hY Aqy iPr jdoN kMm krnw SurUkrdw hY qW 500 rpey hor invyS krdw hY, quhwfy iKAwl ivc jdoN auh45 swlW dw hovyg, qW aus kol ikMnI rwSI jmw ho jwvygI ?20,98,766!!!!!!!!!! rupey[ so hux AsIN jldI invyS krn dy PwiedyAqy lMmy kwl q`k invyS krn dy PwieidAW ƒ smJ ilAw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________99

kI snI Awpxw lon vwips krn dy nwl nwl 500 rupey dI bcqkrn dy smr`Q hovygw ? (hyTlI sUcI ƒ vyK ky pRSn dw au~qridau[)snI dI vwpsI krn dI smr`QwsUcI 8KyqrsnI dI kMipaUtr dy kMm ’coNAwmdnIrwSI pRiq mhInw750AwpxI jybKrcI ’coN bcq 125sY~l Pon ’coN bcq 250kpiVAW ’coN bcq 100ku`l 1225___________________________________________________________________________________________________________________________________AwpxI bcq krn Aqy auDwr cu`kx dIsmr`Qw ƒ vDwauxwAwpxI bcq krn dI smr`Qw ƒ vDwaux Aqy auDwr cu`kx dI smJƒ vDwaux dy kI FMg ho skdy hn ? ikhVI SYA AwdmI ƒ kmwauxdy Xog bxwauNdI hY ?________________________________________________________________________________________iqMn auh Xogqw pUrn kwrj ilKo, ijhVy quhwfI kumweI krn dIXogqw ƒ smr`Q bxwauNdy hn :1. _________________________________________2. _________________________________________3. _________________________________________100 ______________________________________________________

1-2-3 AwrQk sPlqw vl1. ______________________________________________2. ______________________________________________3. ______________________________________________inrol lwBhyTW lwBdwiek vY~b sroqW dy nmUinAW dI sUcI id`qI geI hY[ qusIN ienHWdw muAwienw kr skdy ho jW hor quhwfI suivDw muqwbk ‘sweIts’ qy jwky Awpxy injI AwrQk muìdAW bwry hor sUcnw lYx leI inrIKx kr skdyho[1. AijhIAW bhuq swrIAW vY~b sweIts hn jo ik iviBMn invyS FMgWijvyN ik SyAr, imaucUAl PMfz Awid dy kwrjW bwry jwxkwrIauplbD krvwauNdIAW hn[ ienHW ivcoN kuJ qW EnlweInportPolIE ƒ vI ivvsiQq r`Kx ivc quhwfI mdd krdIAW hn,ijhVw ik quhwfy EnlweIn invyS irkwrf dy muslsl inrIKxkrdw hY[ kuJ qW eI-kYlkulytr vI muhèIAw krvwauNdIAW hn,ijs nwl qusIN ieh ihswb lgw skdy ho ik ivSyS socIAw shUlqWdy qihq Kws invyS kIqI pUMjI qoN ikMnw munwPw auTw skdy ho[AijhIAW sweIts hyT iliKq hn ijvyN ik :• www.bloombergutv.com• www.business-standard.com• www.economictimes.indiatimes.com• www.livemint.com• www.rediff.com/getahead/money.html• www.myiris.com2. kuJ sweIts qW kyvl ie`ko qrHW dy invyS au~pr hI kyNdirq huMdIAWhn ijvyN ik imaUcuAl PMf[ ienHW ’c hyT iliKq sweIts Swimlhn :• www.valueresearchonline.com• www.mutualfundsindia.comjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________101

3. mwrikt inXmk (rYgUlytrs) Aqy sMsQwvW vI vYbsweIt ƒkwiem r`KdIAW hn jo ik quhwƒ bwzwr Aqy auqpwd jo ikieh inXmk clwauNdy hn, bwry soJI pRdwn krdIAW hn[ ienHWivc hyT iliKq Swiml hn :• www.sebi.gov.in/ - sykXoirtIz Aqy eyskcyNj borf A`wPieMfIAw dI AiDkwirk vY~bswiet[ swfy SyAr bwzwr leIinAwmk sMsQw• www.rbi.org.in/ - irzrv bYNk A`wP ieMfIAw dIAiDkwirk vY~bswiet[ Bwrq dy swry bYNkW dI inXimksMsQw (rYgulytrI b`wfI)[• www.irda.gov.in/ - bImw inXimk Aqy ivkws sMsQw,bImy leI inXimk sMsQw (rYgulytrI b`wfI) dI AiDkwirkvY~bsweIt[AlihdgI nukqy• hux q`k qusIN pYsy nwl sMbMiDq, pYsy dy ivkws, bcq AqyinvyS bwry bhuq swry sMklpW dw AiDAYn kr ilAw hY[• ieh igAwn quhwƒ kyvl hux hI lwB nhIN phuMcweygw sgoNquhwfy Biv`K ƒ hor cMgy FMg nwl isrjx ’c quhwfI mddkrygw[ BwvyN Dn swƒ sB kuJ qW KrId ky nhIN dy skdwpr iPr vI jIvn dIAW buinAwdI loVW muhèIAw krvwaux,surìKAq Aqy Awrwmdwiek izMdgI pRdwn krn ’c swfImdd zrUr krdw hY[ ijvyN izMdgI ’c pYsy dw bhuqmh`qvpUrn sQwn hY pr aus nwl iehiqAwq vrqnw ausqoN vI v`D mh`qvpUrn hY[• ies pVHweI ny quhwƒ AwpxI sMpqI ƒ vDyry pRBwvSwlI FMgnwl vrqn bwry jwgrUk krvwieAw hY[• ies pVHweI dw audyS quhwfy mn ivc AwmdnI ivcoN bcqdI mh`qw bwry quhwƒ smJwauxw Aqy invyS dy ivivD FMgWqoN lwB auTwauNdy quhwfI pUMjI ƒ vDwauxw hY[102 ______________________________________________________

jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________103

104 ______________________________________________________

pihlI bYTkDn sMbMDI mùdy : smwrt (cusq) tIcy Aqy AwrQk ivSlySxipAwry mwqw-ipqw,kI AusIN Awpxy bìcAW ƒ pirvwrk bjt ivc Swml krdyhW?pirvwr dy qOr ’qy AsIN swry iek`Ty bYTky bhuq swrIAW g`lW bwryivcwr krdy hW ijvyN ik Cu`tIAW ƒ iekiTAw ibqwaux leI crcwAqy Xojnw bnwauxI, ik ik`Qy jwxw hY jW ik`Qy jw ky Tihrxw hY,iks jgHW qy jwxw hY, CutIAW ’c jwx qoN pihlW ikhVIAW vsqWKrIdxIAW hn Awid[ ienHW swrIAW vsqW vwsqy pYisAW dI loVhovygI, ienHW leI ivsqirq AwrQk bjt/Xojnw dI loV huMdI hYpr Awm qOr ’qy AsIN bjt bnwaux dy kwrj ivc Awpxy bìcAWƒ Swml nhIN krdy jW qW AsIN aunHW ƒ AwrQk sMbMDW qoN lWByr`Kx dy ivcwr ’c rihMdy hW jW AsIN sdIAW-purwxIAW DwrnwvWmn ’c ibTw ky cldy hW ik AwrQk sMbMD kyvl mwqw-ipqw nwlhI sMbMiDq huMdy hn[ kdy-kdy AsIN ieh vI soc lYNdy hW ik swfyb`cy Swied bjt bnwaux vwly mwmilAW bwry ivcwrn leI Ajy bVyCoty hn[bìcAW ƒ AwrQk mwmilAW ’c isìKAw dyx leI pihlw kdmkI hoxw cwhIdw hY ?swfw iKAwl hY ik AwrQk isìKAw Gr qoN hI SurU huMdI hY[AwrQk-isìKAw koeI rOkyt ivigAwn dI ividAw nhIN pr iesleI bdt bnwaux/smJx dI Xogqw hoxI zrUrI hY jo ik bhuq lokWƒ Awpxy-Awp nhIN AwauNdI[ qusIN swfI mdd kr skdy ho[ jykrqusIN Awpxy byty jW bytI pws bYTo qW ies swDwrn AiBAws ivcjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________105

aunHW dI mdd kro[ aunHW ƒ inqwpRiq dy bjt srgrmIAW ivcBwg lYx idau Aqy aunHW ƒ ieh smJx ivc mdd kro ik KrcyleI PlW rwSIN qusIN ikauN lgwauNdy ho[Aj dI bYTk ivc quhwfy b`cy ny isìKAw : jdoN swƒ koeI cIz cwhIdI huMdI hY, qW aus leI sohxI qrHWpirBwSq cusq tIcy (ivSyS, mwpxXog, pRwpqXog, XQwrQk,smW-pwbMD) bnwauxy bVy zrUrI hn Aqy iPr aus leI loVINdyswry Xqn aus ƒ pRwpq krn leI krny cwhIdy hn[ jdoN AsIN Awpxy AwmdnI Aqy KricAW ƒ shI FMg nwl jwxlYNdy hW jW is`K lYNdy hW Aqy AwpxIAW loVW Aqy ie`CwvW dwinrIKx kr lYNdy hW qW iPr AsIN srboqm rwSI ijMnI bcwskdy hW, aus dy AMdwzy dy krIb phuMc jWdy hW[ ieh dyKx leI ik swfy AwrQk tIcy pRwpqXogn hn ik nhIN,ies leI swƒ AwpxI srboqm bcq jo AsIN bcw skdy hW, ƒsmJx dI loV hY[gqIivDI iekswfy pirvwr ƒ iek`Ty bYT ky GrylU KricAW dy 10 muK KyqrW dIsUcI bnwauxI cwhIdI hY Aqy ieh vKryvw krnw cwhIdw hY ik iesivcoN loVINdIAW vsqW Aqy ie`Cw jW cwhq vwlIAW cIzw ikhVIAWhn[ hyTW quhwfy leI ies dI iek audwhrx id`qI jw rhI hY :loV : iek 2 bI.AYc.ky ApwrtmYNt, pirvwr dy iqMn mYNbrW leIie`Cw : iek 4 bI.AYc.ky. ApwrtmYNt, pirvwr dy iqMn mYNbrW leIkeI vwr kuJ cIzW dono iDrW ’c Swml huMdIAW hn[ auh zrUrqAqy ie`Cw dono sMdrB ’c vrqIAW jWdIAW hn ijvyN ik kpVy[KricAW dw vyrvw loV ie`Cw loV/ie`Cw106 ______________________________________________________

smwrt (cusq) tIcwivSySmwpxXogsmyN dy pwbMDsmwrt (cusq) tIcwXQwrQkpRwpqI Xogsmwrt (cusq) tIcy dI audwhrx :AcusqmYN sY~l Pon KrIdx leI pYsy bcwauxwcwhuMdw hW[cusqmYƒ nokIAw 123 KrIdx leIswl dy AMq q`k 4000 rupeybcwxy hn[gqIivDI dUjIhux hyT ilKI sUcI ivc qusIN swry iml ky 2 smwrt (cusq) tIcy pirvwrleI Aqy hor loVINdy ivvrx AMikq kro[smwrt (cusq) tIcwAMdwznKrcwAMdwzn tweImlweInjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________107

gqIivDI dUjIlwB mYkism!! – AYf-mYks igRMf leI pRBwvSwlI inrxW jWPYslw krnwpihlw kdm : vsqUprk dI prKdUjw kdmqIjw kdmcOQw kdmpMjvW kdm: Awpxy mUl q`q dI pCwx: ivklp (prqO) dI sUcI: ivklp (prqO) dw ivSlySx: PYslw lYxw jW inrxw lYxwmUl q`qivklp jW prqOmMn lvo ik quhwfw pirvwr kwr KrIdxw cwhuMdw hY[ aus leI kuJmwpdMf jW mUl q`q hoxgy jo qusIN kwr ivc cwhogy ijvyN ik ho skdYqusIN cwho ik auh G`t pYtoRl jW fIzl qy v`D mIl c`ly, aus dwAwkwr v`fw hovy Awid[ Aijhy q`qW dI sUcI bxwE qy ieh vI sUcIbxwE ik mwrikt ivc pRwpqIXog kI hY[ ienHW coxW ƒ igRMf ivcrK ky inrIKx kro qW qusIN AwswnI nwl inrxw lY skogy[mUl q`qivklp jW prqOpirvwrk mwp ikMny mIl fIzl mu`l < 8 l`KieMfIgoeystImPwbIAwtwtw s&wrIskOrpIE108 ______________________________________________________

dUjI bYTkbjt bnwauxw : AwmdnI Aqy Krcy ’c sMquln krnwAwmdnIKrcwipAwry mwqw-ipqw,Aj dy pwT ivc quhwfy b`cy ny isìKAw hY :bjt kI hY ?bjt iek qrHW dw quhwfy AwmdnI dy sroqW Aqy KricAW ’c sMqulnpYdw krn dI Xojnw dw nW hY jW kih lE ik AwpxI AwmdnI AqyKricAW dw ^wkw hY[bjt aulIkxw ikauN zrUrI hY ?bjt bnwauxw ies leI zrUrI hY ik : bcq dw AMdwzw lwieAw jw sky[ iDAwn rhyik AwmdnI qoN v`D Krcw nw hovy[ ivSyS lMmy jW G`t AMqrwl dy tIicAW leI shI FMg nwl bcq[ AgwaUhI v`K-v`K Krcy dy KyqrW leI pRBwvSwlI FMg nwl PMfmuheIAw krny[bjt dy sMdrB ivc ‘PwlqU’ (srpl`s) Aqy ‘Gwtw’ (ifiPìSt)kI hY ? PwlqU auh rkm huMdI hY jo loV pUrI hox qoN bwAd vI bkwieAwpeI rhy jW dUjy SbdW ivc jdoN ivauNqy jW sMklipq AwmdnImnPI ivauNqy jW sMklipq Krcy hW-p`KI hox, aus ƒ PwlqU pUMjIkihMdy hn[ Gwtw Asl ivc quhwfI kul AwmdnI au~pr v`D Krcy kwrn huMdwhY jW dUjy SbdW ivc jdoN sMklipq AwmdnI mnPI sMklipq Krcynwhp`KI hox qW aus ƒ Gwtw AwiKAw jWdw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________109

sQigq pRsMnqw kI hY ?lMmy smyN dy tIicAW leI, kuJ cIzw quhwƒ Biv`K ivc vDIAw Aqyv`fIAW pwaux vwsqy A`j cwhuMdIAW jW ie`Cw krn vwlIAW cIzw ƒC`fxw pYNdw hY[ ies ƒ sQigq pRsMnqw ikhw jWdw hY ijvyN ik CymhIny dW swl auprMq vDIAw kwr KrIdx vwsqy qusIN Awpxy Ajdy mnorMjn Aqy GrylU KricAW ƒ moV dy lYNdy ho jW AKoN auhly kridMdy hY[qqkwlk pRsMnqw kI huMdI hY ?jdoN hI qusIN ieh mihsUs kro ik quhwƒ Amuk cIz loVINdI hY qyaus ƒ ausy vyly KrId lE, aus ƒ qqkwlk pRsMnqw AwKdy hn[ijvyN ik iksy m`wl ivc, iesy SoAkys ivc koeI kmIz ltkI vyKIqy aus ƒ X`kdm KrId lYxw[mOky dI kImq kI huMdI hY ?mOky dI kImq aus ƒ kihMdy hn ik jdoN hI qusIN koeI vsq psMdkrdy ho qW hr vwr qusIN aus ƒ C`f idMdy ho ikauNik sroq G`t huMdyhn qy KwihSW byAMq/swrIAW cIzW KrIdx qoN AsIN Asmr`Q huMdyhW[ ies leI kuJ KrIdx vyly dI cox ivc swfI kuJ nW kuJ C`fdyx dI cox vI huMdI hY jW kih lE ik kuJ KrIdx leI kuJ C`fxwpYNdw hY[skUl ivc myrw bytI/bytw bjt bnwauxw ikauN nhIN is`K skdy?Bhuq swry b`cy Awpxy pirvwr ivc hI GroN hI pYsy dI isKlweIis`K lYNdy hn[ AsIN jwixAw hY ik 60% skUlI b`cy injIAwrQkqw GroN hI is`K lYNdy hn[ mwpy jdoN Awpxy Awp ƒ AwpxIAOlwd dI AwrQk smr`Qw dw injI tRynr smJ lYNdy hn qW auhiek AMqr sQwpq kr lYNdy hn[myrw b`cw jIvn ivc ieMnI CyqI bjt bnwauxw is`Kxw ikauNcwhuMdw hY ?bjt bnwaux dI smJ mnu`K ƒ AwrQk FMg nwl socx AqysmìsAwvW ƒ h`l krn ivc mdd krdw hY[ auh ies igAwn qoNAwpxy jIvn ivc iek aupBogqw qy bcq krn dy rUp ivc mdd lYskdy hn[ ies dy nwl hI pirvwr dy ijMmyvwr sd`s bx ky AqyBiv`K ivc iek cMgy invySk pySwvwr nwgirk Aqy ivSv ArQpRbMD dy vDIAw BwgIdwr bx skdy hn[iek pirvwr dy qOr ’qy AsIN ikvyN ih`sw lY skdy hW ? iehikvyN mddZwr huMdw hY ?qusIN AwrQk inrxy lYx ivc Awpxy bìcAW ƒ vI BwgIdwr bxwskdy ho[ aunHW ƒ jwxn idau ik qusIN bjt ikvyN bxwauNdy ho Aqy110 ______________________________________________________

qusIN ikvyN inrxw lYNdy ho ik PlW Kyqr leI qusIN ikMnI rkm lgwauxI hY[ieh b`cy AMdr pirvwrk bjt ’c ih`sw lYxw hI nhIN qy kyvl smJdwrIhI pYdw nhIN krygw sgoN mwipAW vl jdoN auh b`cy dI iksy ivSyS mMg ƒrd kr idMdy hn, aunHW vl v`K sMvydnSIl ho ky socygw[ b`cy vI sgoNAwpxy mwipAW nwl vDyry sucwrU FMg nwl suihrd hoxgy Aqy AwpxymwipAW dI imhnq dI kmweI dI kdr krngy[mYN/AsIN ikvyN mdd kr skdy hW ?qusIN Awpxy b`cy dI pirvwrk bjt ivc ih`sw lYx Aqy aus ƒ PMfW dI vMfdI ivAwiKAw krn leI auqswhq kr skdy ho[ jdoN quhwfw b`cw iksykImqI vsq dI mMg krdw hY, aus vsq ƒ aus b`cy ƒ iek dm lYky dyxdI bjwie aus ƒ bjt bnwaux leI auqswihq kro Aqy pUMjI dw G`to-G`tkuJ ih`sw bcwaux leI kho[ ies nwl AwrQk AnuSwsn b`cy dy dImwZivc bYT jWdw hY[ izMmydwr pirvwrk mYNbrW ivc ieh AnuSwsn bhuqloVINdw hY[gqIivDI 1pirvwr dy sd`sW ivc crcw kro Aqy KricAW dIAW 10 vsqW aulIko,ijnHW ivc qusIN suinSicq pUMjI ƒ ds sko jo ik ies mhIny qusIN KrckrnI hY[Krcy dw Kyqrrkm (rupey)gqIivDI 2 – s^q mMg kQw (saga)SRImnw Aqy SRImqI grovr bVy icMiqq hn Aqy prySwn ik auh Awpxypirvwr dIAW mMgW ikvyN pUrIAW krngy[ aunHW ny SRImnw grovr dy ipqwjI dy jnm idn qy iek rySmI rzweI quhPy vjoN KrIdxI hY[ Svyqw, aunHWdI bytI dI skUtr dI mMg hY[ aunHW dw pùqr rvI ikRkyt dw sY~t cwhuMdwhY[ kWqw aunHW dI GrylU kMm-kwj vwlI ny 2000 rupeIAW dI mMg pySgIjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________111

Awpxy pu`qr dy ivAwh leI kIqI hoeI hY[ SRImqI grovr Cu`tIAWivc bwhr jwxw cwhuMdI hY Aqy SRImwn grovr Gr ƒ rMg rognkrvwauxw cwhuMdy hn[swry pirvwr smyq grovr GrylU hryk mMg ƒ iDAwn ivcr`KidAW, Awps ivc ivcwr crcw kro ik ienHW coN ikhVI mMgW ƒsQigq pRsMnqw imlygI Aqy ikhVIAW q`qkwlk KuSI vwlIAW hn[ienHW ƒ zrUrI pRmwxkqw idau[ ieh quhwfy bìcAW ivc aunHWmwpdMfW ƒ smJx dI Xogqw Brngy ijnHW ivc qusIN AwrQk inrxylYx ivc ijnW vsqW ƒ pRwQimkqw idMdy ho[mMgq`qkwlksQigqkwrnpRsMnqwpRsMnqwSRImwn grovrdy ipqw leIquhPwSvyqw dwskUtrrvI leIikRkyt sY~tkWqw bweI ƒpySgI rupeIAWdI loVGr dw rMgrognmMmI dIAWCu`tIAW112 ______________________________________________________

qIjI bYTkinvyS : pYsy dy pODy ƒ vDwauxwipAwry mwqw-ipqw,Aj dy sYSn ivc quhwfy b`cy ny isìKAw :invyS ikauN zrUrI hY ? invyS swfI rwSI ƒ vDwauNdw hY[ ieh mudRw PYlwE ’c Arwm idMdw hY[ ieh swfy buFwpy dI AwmdnI dw itkwA (iQr) vwlw sroq hY[ ieh swfy jIvn jIaux dy FMg dy keI mwpdMf jW qOr qrIkybxwaux ’c shweI huMdw hY[ vDdI aumr ’c invyS bhuq zrUrI hY[ ieh swƒ l`gpg swry Alpkwilk Aqy dIrGkwilk iv`qIlkSW ƒ pRwpq krn leI shweI huMdw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________113

gqIivDI 1kuJ swl pihlW (ieh pMj jW d`s swl jW 20 swl pihlW vI hoskdy hn) hyT iliKq Awm vsqW dIAW kImqW iek pirvwr vjoNsMKyp ’c ilKo[ ienHW ƒ hyTlI sUcI ivc ilKo qy iPr ies dy nwlvwly Kwny ivc aunHW hI vsqW dIAW kImqW Aj dy sMdrB ivcsMKyp ivc ilKo[ qusIN dyKogy ik qulnwqmk qOr ’qy kImq kuJvDIAW hn[ Awpxy pirvwr nwl ies bwry ivcwr kro ik kI iesdy mukwbly AwmdnI vI vDI hY ik nhIN[vsqW purwxI kImq nvIN kImqAYl.pI.jI. islMfr1 iltr kuikMg Awiel1 iklo Awtw1 iltr pYtrol1 iklo cOlkYfbrIz fyrI imlk1 iklo cInI1 iltr du`DAupr iliKq sUcI ivcoN koeI iek vsq lY lE Aqy hyT ilKy gRwPƒ Xojq kro :YruipAW ’c kImqswlX114 ______________________________________________________

invyS mMqr : sMpqI smyN nwl vDdI hY[ imSirq ivAwj dy munwPy vDdy hn[ jldI SurU kr ky lMmy smyN q`k invyS kro[ iekswr invyS krdy jwEinvyS dy Su`D iqMn p`KsurìKAqwinvySivkwsnkdIgqIivDI 2jdoN vI qusIN ivSyS cox qy invyS krdy ho aus qoN pihlW Awpxy pirvwrnwl Awpxy swDwrn ruJwnW bwry ivcwr kro[1. ______________________________________________2. _____________________________________________3. _____________________________________________4. _____________________________________________5. ___________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________115

gqIivDI 3pirvwr vloN pMj QwvW qy invyS kIqI rkm ƒ ivcwro Aqy ausinvyS ƒ nkdI, surìKAw Aqy ivkws dI idRStI qoN ivcwro[invyS surìKAw nkdI ivkws116 ______________________________________________________

cOQI bYTkbYNikMg dI muFlI jwxkwrIinvySauDwrjyb KrcI bYNkjmwipAwry mwqw-ipqw,A`j dI dunIAw ivc iek bYNk ^wqy dy ibnW hoxw l`gpg AsMBvhY[ PlsrUp, Aj dI dunIAw ’c ‘bYNikMg dI muFlI jwxkwrI’ vI3Awrs – pVHnw (rIifMg), ilKxw (rweIitMg) Aqy ihswb(AirQmYitk) vWg hI zrUrI hY[Aj dI sBw ivc quhwfw b`cw iek nOjAwn muMfy cyqn ƒ imilAw,ijs ƒ Awpxy nwnw jI koloN iek ‘kORsf AkwauNt pyXI cY~k’imilAw hY Aqy aus ny ^wqw Kulvwauxw hY[ ies islisly ivcquhwfy b`cy ƒ hyT iliKq g`lW dw igAwn pRwpq hoieAw hY :• b`cq bYNk ^wqw• b`cq bYNk ^wqw Kolxw• AvDI jmw ^wqw• cY~k bwry• bYNikMg nwl sMbMiDq kuJ hor gqIivDIAW bwryjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________117

iDAwn dyx Xog nukqy1. kI qusIN ies g`l dI pRSMsw krdy ho ik quhwfy b`cy ƒ CotIaumr ivc hI bYNk bwry jwxkwrI zrUr hoxI cwhIdI hY ?2. qusIN Awpxy b`cy ƒ bYNk dI jwxkwrI bwry rucI pYdw krn ’cikvyN shwiek ho skdy ho ?3. kI quhwfy b`cy dw bYNk ^wqw hY ? jykr nhIN, qW aus ƒ jldIqoN jldI bYNk ^wqy ôlx leI auqswihq krnw loVINdw hY[4. cMgw hovygw jykr AglI vwr jdoN qusIN bYNk jwE qW Awpxy b`cyƒ vI Awpxy nwl lY jwE Aqy bYNk ivc huMdIAW v`K-v`K kwrjivDIAW nwl Awpxy b`cy ƒ jwx-pCwx krvwE[hyTW quhwfy pirvwr leI kuJ AijhIAW kwrj ivDIAW hn ijnHWivc qusIN Awpxy b`cy ƒ Swiml kr skdy ho :gqIivDI 1Awpxy b`cy nwl aunHW q`QW ƒ irkwrf krn bwry crcw kro ijnW nybYNk jW bYNkW vl quhwfI cox krvweI[(kuJ audwhrx ies pRkwr hn : nyVqw, syvwvW dI guxvqw,ijAwdw ivAwj drW, G`t syvw vsUlI, nvIAW jmw XojnwvW, vDyrysMiKAw ivc ey.tI.AYm./shUlq vwlIAW QwvW qy ey.tI.AYmz. dwhoxw, cY~kW dI iekìTAW jldI Bugqwauxw Awid dy Aihsws)1.____________________________________________2.____________________________________________3.___________________________________________4.____________________________________________5.____________________________________________118 ______________________________________________________

gqIivDI 2ieQy quhwfy pirvwr dy bYNk dy kwgzI kMm dI sMKyp sUcI hY[ ijhVI AsINcwhWgy ik qusIN Awpxy bìcAW nwl iek`Ty bYT ky pUrn kro[^wqw ivvrxivAkqIdw nWbYNk/SwKw^wqy dIiksmivSyS nkS123456jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________119

hor syvwvWivAkqIdw nWbYNk/SwKwsyvwvW dIiksmivSyS nkS123456gqIivDI 3ijs bYNk nwl quhwfw sMbMD ho aus dI vY~bsweIt qy jwE[ ijhVIAWsyvwvW nY~t qy auplBD hn aunHW bwry Awpxy bìcAW ƒ spStkro[ b`cy ƒ l`wg ien AweI.fI. Aqy pwsvrf dy Byq gupq r`KxdI mh`qw au~qy zor dy ky d`so[120 ______________________________________________________

pMjvIN bYTkst`wk ƒ smytxw (st`wks dI st`wikMg)ipAwry mwqw-ipqw,Aj dy sYSn ivc quhwfy bìcAW ƒ buinAwdI st`wk mwrikt dykwrjW nwl jwxU krvwieAw igAw hY[bìcAW ny bhuq swrIAW gqIivDIAW ivc Bwg ilAw, ijnHW ivcaunHW ny :‣ ilimitf kMpnIAW dI bxqr bwry isìKAw[‣ kMpnIAW dy lwB AMS Bugqwn kwrjW bwry iek nzr pweI[‣ st`wk mwriktW dI mUl pirBwSk SbdwvlI bwry isìKAw[‣ st`wk mwriktW dy iviBMn kwrjW bwry jwxkwrI pRwpq kIqI[‣ SyArW dy pd icMnHW dy kwrjW dw Anusrx krn dI buinAwdIXogqw hwisl kIqI[ho skdw hY ik qusIN SyArW ivc invyS kIqw hovy; ieh vI sMBv hYik qusIN kdy iek vwr SyArW ivc invyS kIqw hovy Aqy ieh vI hoskdw hY ik qusIN kdy vI SyArW ivc invyS nw kIqw hovy[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________121

kwrn kuJ vI rhy ho skdy hn pr hux quhwfy bìcAW ƒ SyArW ivcpYsw lwaux jW invyS krn bwry kuJ jwgrukqw hY[ AsIN socdy hWik jykr qusIN Awpxy AnuBv Awpxy bìcAW nwl sWJy krogy qWieh igAwn vrDk Aqy aunHW leI idlcsp rhygw[kyvl ivcwr vtWdrwie`Qy kuJ smJ ƒ prKx Aqy quhwƒ Awpxy bìcAW nwl sMvwd krnleI mUl p`Dr qy kuJ Tos suAwl id`qy gey hn :1. kI qusIN kdy SyArW ’c pYsw lgwieAw hY ?2. jykr nhIN, qW st`wk mwrikt qoN vWJy rihx jW dUr rihx dykI kwrn hn ?3. jykr qusIN pihlW SyArW ivc invyS kIqw hoieAw sI pr huxaus ƒ C`f id`qw hovy qW Awpxy AnuBv ibrqWq ivc dso[4. jykr quhwfw SyArW ivc invyS hY :a. qusIN SyArW dI cox ikvyN krdy ho ?A. kI qusIN mwhrW dIAW syvwvW kdy pRwpq kIqIAW Aqyjykr kIqIAW qW auh ivSyS`g ikhVy sn ?e. kI qusIN lMmy smyN dI buinAwd qy invyS krdy ho ?jykr hW qW iPr AijhI pkV dI muinAwd jW smWikMnw huMdw hY ?s. SyArW ivc invyS krn dy quhwfy buinAwdI lkS kIhuMdy hn ?5. st`wk ivc invyS krn dy quhwfy qwrikk ivcwr kI hn ? iesbwry quhwfI Awpxy b`cy ƒ kI slwh hY ?122 ______________________________________________________

imlky kIqI pirvwrk gqIivDIBwvyN qusIN st`wk ’c invyS kro jW nw pr ie`Qy ieh gqIivDI qusIN Awpxyb`cy dy lwB ih`q iek pirvwrk qOr ’qy kr skdy ho[ koeI pMj SyAr cuxlE Aqy 6 qoN 8 idnW q`k aunHW pMj SyArW dIAW smwpqI kImqW dI su`glE[ aus snyN dOrwn syNsyks dI gqI Bwv aus dy au~cy-nIvyN hox dw pUrwiDAwn rKoN Aqy Agly pMny qy idqI sUcI ivc SyArW dy mu`l Aqy syNsyksbwry it`pxI ilKo[ ies dy nwl hI syNsyks Aqy st`wk dI kImq dy BwAikMny pRiqSq v`Dy jW Gty bwry vI it`pxI ilKo[it`pxIAW :(1) Aj dy sYSn ivc quhwfy b`cy ny ijs ‘AwE qulnw krIey’ gqIivDIivc ih`sw ilAw, ikrpw aus ƒ vyKo[(2) v`Ko-v`K SyArW Aqy syNsysk dIAW inqw pRiq bMd huMdIAW kImqW,rozwnw dy smwcwr p`qrW dy AwrQk pMny qy auplBD hn[ies ƒ vyKoqusIN, iekìTAW iek pirvwr dy qOr ’qy Swied hyT ilKIAW jW iehoijhIAW vY~b sweIts qy nzr mwr skdy ho :www.nseindia.comwww.sebi.gov.inwww.idbipaisabuilder.comwww.bseindia.comwww.statebankofindia.comwww.rbi.org.injyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________123

idn12345mu`lkMpnI 1%vDI/GtIkMpnI 2mu`l%vDI/GtIkMpnI 3mu`l%vDI/GtIkMpnI 4mu`l%vDI/GtImu`lkMpnI 5%vDI/GtImu`lsyNsyks%vDI/GtI124 ______________________________________________________

CyvIN bYTkinvyS : ivSwl islislwipAwry mwqw-ipqw,ip`Cly do sYSnW ivc quhwfy bìcAW ny bYNikMg dy mUl muìdAW bwryjwxkwrI hwisl kIqI Aqy st`wk mwrikt invyS au~pr vI ieknzr mwrI[ ijvyN ik quhwƒ pqw hY, invyS dy hor vI keI FMg hn[ie`QoN q`k ik imaUcuAl PMf dw sMklp vI st`wk mwrikt invyS dynzrIey ƒ vI bdl idMdw hY[ quhwfy b`cy ƒ invyS dy iBMn iBMn FMgWdy dy ivSwl idRS qoN Avgq krvwauNdw hY[ Aj dI bYTk ivcquhwfy b`cy ƒ hyT ilKy q`qW qoN jwxU krvwieAw igAw[1. imaUcuAl PMf dw sMklp2. imaUcuAl PMfW dy iviBMn pRkwr3. fwk ^wnw lGU bcq Xojnw4. pbilk pORvIfyNf PMf (pI.pI.AYP.)5. jIvn bImw, sMpqI Aqy sonw invyS dy swDn6. jIvn dy v`K-v`K pVwvW qy bdldy invyS idRSjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________125

mnu`K dIAW AwpxI izMdgI ’c Awaux vwly keI pVwvW ’c AwauxvwlIAW loVW jo ik invyS pRvyS ƒ pRBwvq krdIAW hn aus sMdrBivc ie`Qy kuJ nukqy id`qy gey hn jo quhwƒ Awpxy bìcAW nwlcrcw krn dy auprwly ’c mdd krngy[1. mnu`K dI loV, nzrIAw, joiKm cukx dI Xogqw aus dy jIvn dyv`K-v`K pVwvW ƒ ikvyN bdl idMdI hY ?2. quhwfw invySI nzrIAw jW quhwfy pirvwr dy hor mYNbrW dwinvySI nzrIAw smyN nwl ikvyN bdl jWdw hY ?3. quhwfI ivSyS invyS XojnwvW ny quhwfIAW ivSyS AwrQk loVWpUrn ’c ikvyN mdd kIqI ?hyTW quhwfy pirvwr leI kuJ AijhIAW gqIivDIAW hn ijnHWivc qusIN Awpxy b`cy ƒ Swiml kr skdy ho :gqIivDI 1hyT ilKy iviBMn pRkwr dy invySW ƒ G`t, swmwnX, v`D dy AnuswrsuriKAw, nkdI Aqy vwpsI dI idRStI qoN qYA kro :kRmnMsMsQw invyS dI iksm surìKAw nkdI vwpsI koeI horivSyS rUpbYNkb`cq ^wqw bYNkAwvrqI jmw pUMjIsmyN b`D jmw pUMjIbYNk/fwk ^wnw Pbilk pRovIfyNf PMf (pI.pI.AYP.)fwk ^wnw ikswn ivkws p`qrrwStrI b`cq Xojnw p`qr(AYn.AYs.sI.)mhInw b`D AwmdnI XojnwvirSt nwgirk b`cq Xojnwst`wk mwrikt SyArirx p`qr (iekrwr nwmw)bONfimaUcuAl PMfbImw kMpnIAW Dn pRDwn XojnwpYnSn XojnwXuilp (XU.AYl.AweI.pI.)sonwAcl jwiedwd126 ______________________________________________________

gqIivDI 2ieh sUcI pUrn hox qoN bwAd quhwfy pirvwr dw invySI lyKw joKw iqAwr hojwvygw[ AsIN quhwƒ ieh sUcI sMbMDI Awpxy bìcAw nwl ivcwr-crcw krky pUrn krn dw suJwA idMdy hW[kRmnMpirvwrdw sd`sbYNk ^wqw SyAr imaUcuAl PMf pI.pI.AY~P fwk Gr lGUXojnwhW/ kwrn hW/ kwrn hW/ kwrn hW/ kwrn hW/ kwrnnwnwnwnwnwhW/nwsonwkwrnAcl jwiedwdhW/nwkwrngqIivDI 3hyTW iek pRSnwvlI iekìTAW h`l krn leI id`qI geI hY[1. Bwrq ivc bYNk jmw pUMjI bImw sImw q`k hI kIqw jWdw hY jo ik bYNkWdI AwsPlqw vyly surìKAw pRdwn krdI hY[ ______ shI/Zlq2. imaucUAl PMf dI bjwie iksy injI kMpnI ivc SyArW ’c invyS krnwvDyry surìKAq hY[ ________ shI/Zlq3. kuJ invyS p`dqIAW tYks l`gx vwlI AwmdnI ivcoN tYks ktOqI dIsuivDw muheIAw krvwaux dy Xog huMdIAW hn[ _______ shI/Zlq4. zyvrW ivc invyS krnw vDIAw invyS hY[ _________ shI/Zlqjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________127

5. 15 swl pUry krn qoN pihlW qusIN pbilk pRovIfyNf PMf ivcoNkoeI pYsw nhIN k`Fvw skdy[ __________ shI/Zlq6. Awpxy imaucUAl PMf mYnyjrW qoN ibnW imaucUAl PMf invySW dymu`l ƒ jwxn dw hor koeI FMg jW rwh nhIN[ _______shI/Zlq7. kuJ bImw kMpnIAW invyS leI pYnSn Xojnw muhèIAwkrvwauNdIAW hn[ __________ shI/Zlq8. BwvyN iekivtI ’c invyS krn dy Awpxy Kqry huMdy hn[ smyNdOrwn iekivtI imaucUAl PMfW ivc smyN-smyN isr lmyNAMqrwl qk invyS krn nwl pRiq iekweI jW pRiq SyAr ausdI AOsqn kImq Gt jWdI hY[ __________ shI/Zlq9. imaucUAl PMf dy vDyry surìKAw kwrnW leI sMquilq imaucUAlPMf Aksr iekivtI Aqy krjweI (irxI) sMdW donW ivcinvyS krdw hY[ ___________ shI/Zlq10. imaucUAl PMf ivc invyS krn vwilAw ƒ AwmdnI tYks dICut nhIN imldI[ __________ shI/ZlqshI jvwb1. shI 6. Zlq2. Zlq 7. shI3. shI 8. shI4. Zlq 9. shI5. Zlq 10. Zlq128 ______________________________________________________

s`qvIN bYTkbcq qoN pwr : auDwr lYxw^brW^brWG`toN G`tivAwj dr ’qyhwaus lonpMj l`K q`k dykrzy leI koeIpùC-ig`C qyzmwnq nhIN^brWAsIN krzw idMdy hW,qusIN Awpxy spnypUry kroipAwry mwqw-ipqw,vrqmwn idn dy ArQ pRbMD ivc auDwr lYxw koeI ApSbd nhINirhw[ auh idn auzr gey jdoN ieh ikhw jWdw sI ‘SwhUkwr(bYNkr) auh im`qr hY jo cMgy mOsm ivc Awpxw Cwqw quhwƒ auDwridMdw hY Aqy bwrS dy mOsmW ’c vwps mMgx l`gdw hY[” kuJhwlwqW ivc auDwr cukxw isAwxp vwlw kdm vI huMdw hY[quhwfy iek h`Q ‘plwsitk Dn’ ny ^pqkwrW leI shUlqW dIdunIAw pYdw kr id`qI hY- ijs ƒ qusIN aus dw ‘kRYift-kwrf-Avqwr’ kih skdy ho[ ies ny ‘sOKw fYift’ AwkrSx pYdw kIqwhY[ jykr ies ƒ isAwxp nwl nw vriqAw jwvy qW ies ivcAwrQk qbwhI ilAwaux dI vI smrQw huMdI hY[ iesy leI bìcAW,nOjuAwnW Aqy A`DKVW leI ieh bhuq mh`qvpUrn gl hY ik ies‘doDwrI qlvwr’ ƒ shI idSw ivc smiJAw jwvy[auprokq ivcwrW ƒ pwT ivc sMmilq krn dI zrUrq smiJAwigAw qW ik bcq qoN Agyry ‘auDwr’ bwry vI smiJAw jw sky[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________129

ies sYSn ivc quhwfy b`cy ƒ hyT iliKq jwxkwrI pRwpq hoeI :(a) koeI sMpqI bnwaux vwsqy auDwr iek AwrQk sroq vjoNlYxw[(A) pUrv Anumwn munwiPAW ivc ivAwj auDwr dy mu`l ’c SwmlhuMdw hY[(e) swmwnX mhInwdr ikSq (eI.AYm.AweI.) dw sMklp[(s) ivAwj igxqI dw G`tdI sMquilq ivDI (irifauisMg bYlyNsmYQf)(h) swDwrn qOr ’qy ‘kRYift kwrf’ Aqy ‘plwsitk Dn’ dIlwBdwiek vrqoN[(k) ivhwrk bYNkW vloN qrHW-qrHW dy irx (lon) dyx dIAW shUlqW[aupr id`qy gey sMklpW dI ibhqr jwxkwrI qy smJ leI ie`Qy kuJpirvwrk gqIivDIAW suJweIAW geIAW hn ijs ivc AwpxybìcAW ƒ Swml kro[130 ______________________________________________________

gqIivDI 1pirvwr dy v`K-v`K mYNbrW leI vsUlI (kRYift) loV dw qulnwqmkAiDAYn[ie`Qy do sUcIAW quhwfy vloN pUrn krn ƒ id`qIAW geIAW hn[sUcI 1iviBMn pRkwr dIAW irx/vsUlI suivDwvW dI cox (pRwQimkqw idMidAW) ƒmu`K rKidAW aunHW dy kwrn aulIko[ivAkqI dwnWvsUlI (kRYift) suivDw(ijs ivcpVHweI/Gr/kwr/injI/ p`kygRwhk dw izkr)pRwQimkqw AMk(pihly sB qoNv`fw iPrqrqIb isr)kwrnisDWqk p`KoNeI.AYm.AweI. =mhIny dI brwbrikSqjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________131

sUcI 2quhwfy bYNk Xojnw dI psMd Aqy irx lYx dy inrixAW ƒ jo pRBwivqkry, aunHW nukiqAW ƒ pRwQimkqw idau[ ieauN swry pirvwr dymYNbrW qy v`K-v`K kwrj kIqw jwey[irx/kRYift suivDwividAw/Gr/kwr/injI/p`kygRhkW Awid dw izkr kro)kwrnW* dwizkr kropRwQimkqw AMk(pihly sB qoNv`fw iPrqrqIb isr)kwrn* ijvyN ik Aiq Awv`Skqw, vwpsI kwl, ivAwj dI dr, bkwie ƒGtwaux dI ivDI – BwvyN pRiqidn/mhInwvwr Awid, pRkwrj PIsAqy smW, surìKAw Awid bwry puCy jwxw[132 ______________________________________________________

gqIivDI 2kRYift kwrf dI vrqoN leI kuJ zrUrI ivcwrn Xog nukqy1. kI qusIN kRYift kwrf vrqdy ho ? (fYibt/kYS kwrfW qoN vKry)2. kYRift kwrf dI vrqoN jW nw vrqoN dy kI kwrn hn ?3. quhwfI kRYift kwrf dI cox ƒ pRBwivq krn vwly kI kwrn hn ?(ijvyN ik ikMny idnW leI ivAwj mukq vsUlI (kRYift), swlwnw lwgqjW Krcw, dyrI AdwiegI rkm au~pr ivAwj dr Awid[)4. qusIN iks pRkwr dI KrIdo-Pro^q Aqy/jW ib`lW dy Bugqwn leI kRYiftkwrf dI vrqoN krdy ho ?5. kI qusIN (BwvyN kdy vI) kdy G`t qoN G`t bkwieAw rkm dI AdwiegIkIqI hY ? jy hW qW iknHW hwlqW ivc ?6. kI qusIN Awpxy pirvwr dy iksy vI mYNbr (smyq quhwfy b`cy dy) ƒ AYf-A`wn kYRift kwr muhèIAw krwieAw hY ? aus ƒ muhèIAw krwaux jWnw krvwaux dy kwrnW bwry dso[pirvwr dy mYNbr AYf-A`wn kwrf muhèIAwkrvwieAwkwrnhW/nwjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________133

gqIivDI 3CotI pRSnwvlI1. 12 hzwr rupeIAW qy iek swl leI ivAwj dI dr 10% pRiqswl leI 1200 rupey hY[ ies leI jykr AdwiegI smW 12mhIny hY qW iPr irx (lon auDwr) leI eI.AYm.AweI. hovygw :(a) pUry 1100 rupey(A) 1100 rupey qoN izAwdw(e) 1100 rupey qoN G`t2. auDwr lYx vwilAW leI hyT iliKq ivcoN ikhVI v`D lwBvMDhY ?(a) pRiqidn G`tdw bkwieAw(A) mhIny bwAd G`tdw bkwieAw(e) swlwnw G`tdw bkwieAw3. qusIN ipCly mhIny dI 20 qrIk ƒ Awpxy kRYift kwrf dIvrqoN kIqI qusIN ies mhIny dI pMj qrIk ƒ ib`l pRwpq kIqw,ijs au~pr Bugqwn dI AMqm qrIk ies mhIny dI 22 AMikqhY[ kRYift kwrf ib`l dw smW ipCly mhIny dI iqMn qrIk qoNlY ky ies mhIny dI 2 qrIk q`k dw hY[ jykr qusIN ib`l dIswrI rkm dw Bugqwn ies mhIny dI 22 qrIk (jo ik BugqwndI qrIk hY) ƒ krdy ho, qW quhwƒ ivAwj dyxw pvygw :(a) ipCly mhIny dI 20 qrIk qoN lY ky ies mhIny dI 22 qrIkq`k(A) ipCly mhIny dI 20 qrIk qoN lY ky ib`l dI Bugqwn qrIkq`k(e) ies mhIny dI 2 qrIk qoN ly ky ies mhIny dI 22 qrIk q`k(s) ies mhIny dI 2 qrIk qoN lY ky ib`l dI Bugqwn qrIk q`k(h) jykr qusIN ku`l rkm ƒ Bugqwn dI im`QI qrIk qk Aw cukwidMdy ho qW koeI ivAwj nhIN pvygw (ijvyN ik ies mhIny dI22 qIrk)134 ______________________________________________________

4. qusIN Awpxy kRYift kwrf dI vrqoN kIqI Aqy kwrf dy 10,000 rupeydy ib`l dI rsId qy, qusIN vyiKAw ik G`t qoN G`t 500 rupey dI rkmbkwieAw hY[ qusIN 9000 rupey AdwiegI krn dw inrxy ilAw[ bYNkiek hzwr dI bkwieAw rkm aupr ivAwj hyT iliKq suJwvW ’coNikhVI dr aupr ivAwj leygw ?(a) 3% pRiq swl(A) 12% pRiq swl(e) 3% pRiq mhInw(s) 12 pRiq mhInw(h) kuJ vI nhIN, ikauNik qusIN inaUnqm bkwieAw rkm dI AdwiegIkr id`qI hY[5. jykr kRYift kwrf ib`l dI rsId au~pr inaUnqm bkwieAw rkm pRiqmhInw Adw krn dw inrxw lYNdy ho Aqy AgWh hor KrIdo-Pro^q nhINkrdy jW ies kwrf duAwrw hor koeI AdwiegI nhIN krdy qW AMdwznies kRYift kwrf ib`l dI kul rwSI dI vwpsI leI quhwƒ ikMny swll`gxgy ?(a) 1 swl(A) 2 swl(e) 4 swl(s) 6 swlCotI pRSnwvI dy au~qr1. (e) 2. (a) 3. (h)4. (e) 5. (s)jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________135

136 ______________________________________________________

A`TvIN bYTkAMqm aultI igxqIipAwry mwqw-ipqw‘jyb ^rc pRogrwm’ dw A`j ieh A`TvW AwiKrI sYSn sI[ A`j dypRogrwm dw mMqv quhwfy b`cy ƒ swry sMklpW dI ivhwrk jwxkwrIdyxw sI ijvyN ik b`cq, bjt bnwauxw, invyS krnw, auDwr lYxwAqy bYNk dy sMbMDW Awid bwry, ijhVy ik ip`Cly sq sYSnW (sBwvWjW bYTkW) dy dOrwn isKwey gey sn[ ies ƒ pUrn sMdrB AiDAYnih`q ivcwirAw igAw, ijhVy ik ienHW sMklpW dy ivhwr leIloVINdy sn[ sYSn ivc ‘isìKAw dy nwl nwl kmwauxw’ ivDI ƒ vIivcwirAw igAw ijs ivc injI qOr ’qy hryk dI Xogqw Aqyimhnq ƒ auqswhq krn dw FMg vrqoN ’c ilAWdw igAw[‘jyb KrcI’ – smu`cy A`T sYSnW dOrwn jyb KrcI leI iek AijhIDrwql auswirAw igAw ijs ivc ividAwrQI/b`cw buinAwdIAwrQk XQwrQW qoN jwgrUk ho sky Aqy pirvwr dI AwrQk BlweIdw AMg bx sky[ iek pwT dw au~dyS quhwfy b`cy ƒ AwrQk qOr ’qyigAwn dy ky ijMmyvwr bnwauxw hY[ AsIN ies qoN ies aumr ivcinvyS dw ausqwd bnxw jW pirvwr dI AwmdnI ivc bVw swrQkXogdwn pwaux dI aumId nhIN krdy[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________137

jyb KrcI pRogrwm ivc quhwfI au~dm BrI iSrkq dw AsIN qihidloN suAwgq krdy hW ijs ivc pirvwr nwl sMbMiDq ikqwbicAWivclI gqIivDIAW ’c qusIN Awpxw SmUlIAq drsweI[ iehivSw/pwT (kors) Awpxy tIicAW jW lkS q`k q`d hI pu`j skdwhY jykr qusIN pirvwr dy buinAwdI AwrQk inrixAW ivc ienHWbìcAW dI SmUlIAq krogy[ ieh vI pRSMswXog hY ik pwT ivcsUicq keI vY~b-sweItW v`l vI qusIN iDAwn id`qw hY[ ‘Dn isDWqikqwbcw’ (mnI mYkism bu`klyt) Biv`KI sMvwd crcw leImh`qvXog rYPryNs gweIf dw kMm dyvygI, ijhVI ik ‘jyb KrcIpwT pYkyt’ ivc muhèIAw kIqI geI hY[ Dn isDWq (mnI mYkism)ikqwbcy ivc aunHW AwrQk sMdrBW nwl sMbMiDq byihswb ArQwvlIid`qI geI hY, ijhVy ik klws ivc isKwey gey hn[ ies qoN ibnwaus ivc kuJ KricAW leI mh`qvpUrn nukqy Aqy ^wqy jW rkm dwjmw-KrcI dw ihswb lwaux jW r`Kx leI AijhIAW sUcIAWSwiml hn, ijs nwl cMgIAW AwdqW ivksq ho skx[swfy leI ieh bVw pRsMnqw pUrvk AEsr sI ik AwrQkividAk pRogrwm ivc quhwfy bìcAW dI inrMqr SmUlIAq rhI Aqyswƒ XkIn hY ik quhwfy b`cy dy au~jly Biv`K leI ieh swrQkpRBwv pwvygw[138 ______________________________________________________

gqIivDI 1swrw pirvwr iekìTAW bYTky hyT ilKI sUcI ƒ ivcwr ky pUrw kro[pirvwr dy hryk mYNbr ƒ 4 KyqrW dI sUcI dyx dI loV hY, ij`Qy auh pYsy dIb`cq kr skdI/skdw hY, cwr koeI Aijhy suJw jW cox ij`Qy auh AwpxIloV Anuswr invyS kr sky Aqy ieh vI ik kI auh AwpxI kmweI SurUkrn jW AwmdnI vDwaux leI kuJ hor skdw jW skdI hY ?pirvwrpirvwrpirvwrpirvwrmYNbr 1mYNbr 2mYNbr 3mYNbr 4v`D b`cqdy FMg :shI/au~icqinvyS :jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________139

pirvwrpirvwrpirvwrpirvwrmYNbr 1mYNbr 2mYNbr 3mYNbr 4vwPr kumweI dyFMg jW rwh ?gqIivDI 2hyTW iqMn invyS cox leI ivigAwpn id`qy gey hn[ ienHW dwivsqwr ’c AiDAYn kr ky, ienHW invySk coxW dw qrk sihqPwiedy Aqy nukswn dw pirvwr nwl ivcwr vtWdrw kro[ ieh d`soik qusIN ies cox ivc invyS krogy ik nhIN[ AMq ivc id`qI geIsUcI ivc ies dw ivvrx Bro[cox/ivklp 1 :Biv`K inrmwx bWfs• Bwrq srkwr ny nwbrd (AYn.ey.bI.ey.Awr.fI.) bWf jwrIkrn dI iejwzq dy id`qI jo ik KyqI-bwVI Aqy idhwvI ivkwsƒ pRwQimkqw dyx leI PMfW ƒ vsIlw bxwauNdy hn[• iesy qrHW bYNkW ny Biv`K inrmwx bWf vI jwrI kIqy hn ijnHWdw pRq`K mu`l (pUry hox qy mu`l) 20,000 rupey pRiq bWf hY AqyjwrI krn dI kImq kyvl 9750 rupey pRiq bWf hY[• ienHW bWfs leI hr mhIny dI pihlI qoN 20 qrIk q`k iKVkIKu`lI rihMdI hY[• bONf dI imAwd 10 swl hY, lyikn, invySkW kol bWf vycx dwivklp hY, auh 50 bWfs dy Qok ƒ sYkMfrI mwrkt ivc vycskdy hn ijvyN ik bWfs ƒ bMbeI st`wk mwrikt ivc sUcIb`DkIqw jwvygw[• bWfs ƒ kRweIsl AYNf kyAr (sI.Awr.AweI.AYs.AweI.AYl.Aqy sI.ey.Awr.eI.) duAwrw ey.ey.ey. dw drdw id`qw igAw hY[• ienHW bWfs qoN pRwpq AwmdnI ijvyN ik smW pu`gx auprMq dIkImq Aqy invyS krn vyly dw mu`l ivcwly qulnw krnI ƒkYpItl munwPw dy rUp ’c ilAw jwvygw Aqy aus muqwbk ausau~pr tYks l`gygw[• sroqW au~pr tYks ktOqI nhIN hovygI[140 ______________________________________________________

• lMmw smW bwAd pu`gx dI rkm (mYicEirtI) invySk ƒ lMmy smyN leIim`Qy tIicAW leI socx lwauNdI hY ijvyN ik bìcAW dI pVHweI leIAdwiegI/ivAwh-SwdI jW au~qr-irtwiermYNt dIAW loVW Awid[cox/ivklp 2 :BwrqI styt bYNk duAwrw trm ifpOist au~qy ivAwj drW dI sUcI iespRkwr hY :ivAwj drW (Agsq-2008)AvDI (smW) ivAwj dr (%swlwnw)15 idnW qoN 45 idn 4.7546 idnW qoN 90 idn 5.2591 idnW qoN 180 idn 7.5181 idnW qoN iek swl qoN G`t smW 8.5iek swl qoN lY ky 2 swlW qoN G`t smW 102 swlW qoN lY ky 3 swlW qoN G`t smW 9.53 swlW qoN lY ky 5 swlW qoN G`t smW 9.755 swlW qoN lY ky 10 swlW q`k 9.25cox/ivklp 3 :AYs.bI.AweI. mYgnm PMfz AMbrYlw- koNtrw PMfskIm dy au~dySAYs.bI.AweI. mYgnm PMfz AMbrYlw- koNtrw PMf iek Ku`ly AMq vwlIiekivtI fwievrsIPwief skIm auh hY, ijs ƒ invyS dy mMqv nwl st`wkdy lyKy-joKy leI isrijAw jWdw hY, ijhVy ik mwrikt dy h`k ivc nhINhuMdy[skIm dw vyrvwnYv (AYn.ey.vI.)korps (kroVW ’c)Cotw invyS41.72 rupey2009.6400 rupey2000 rupeyjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________141

pRdrSn jW inBwauipCly kuJ swlW qoN PMf siQr qOr ’qy cMgw mwrijn dy ky ipClyswry irkwrf qoV id`qy hn[ PMf bwkIAW qoN v`Kry kyvl auqWhcVidAW jW ivkws krn dI Xogqw kwrn hI nhIN huMdy sgoNmwrikt dy if`gidAW jW Gwty ’c jWidAW aus ƒ inXMiqRq krn dIXogqw vI rKdy hn[ ipCly 2-3 swlW ivc ies ny 20.75% Aqy28% swlwnw inSicq vwpsI id`qI hY[cox/ivklp hW nw kwrncox/ivklp 1cox/ivklp 2cox/ivklp 3142 ______________________________________________________

gqIivDI 3pVHn dy nwl nwl kmweI krn sMbMDI ivcwrn Xog kuJ nukqy[1. kI qusIN cwhogy ik skUl ’c pVHidAW hoieAw quhwfw b`cw kmweI krnwvI is`Ky ? (iek dI cox kro)i. hWii. koeI mnwhI nhINiii. Ajy nhIN, pr bwAd ivciv. nhIN, kdy nhINjykr pihly pRSn leI quhwfw jvwb (i), (ii) jW (iii) hY, iPr :qusIN ikho ijhw kMm cwhogy ik quhwfw b`cw kry Aqy ikauN ? (Awpxy b`cy dySONk Aqy Xogqw ƒ iDAwn ivc rKidAW[)___________________________________________________________________________________________________________________________________________________ikho ijhy kwrj hn jo qusIN cwhogy ik quhwfw b`cw nw kry Aqy ikauN ?_________________________________________________________________________________________________________________________________________________2. swDwrn qOr ’qy pVHnw qy kmwauxw dy ivcwr bwry quhwƒ rucI ikvyN pYdwhoeI ?________________________________________________________________________________________________________________________________________________jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________143

144 ______________________________________________________

jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________145

mnI mY Ykism(Dn isDWq)146 ______________________________________________________

smwrt mnI PMfw (Dn dy PMfy dw vDIAw FMg)invyS dy Su`D qRY-rUpsurìKAw, nkdI qy ivkws invyS dy iqMn mu`K srokwr huMdy hn[surìKAqwivkwsinvySnkdI72 dw nymjykr qusIN AwpxI rkm ƒ dugxw krnw cwhuMdy ho qW, moty qOr ’qy auqpwd dIivAwj dr Aqy invyS dw smW 72 hoxw cwhIdw hY, ijvyN ik qusIN 12% dr qy 6swlW leI pUMjI invyS krdy ho qW auh swlwnw imSirq ivAwj nwl quhwfI invySkpUMjI dugxI ho jWdI hY[bYNk krzw lYx Aqy eI.AYm.AweI dI igxqI krn dy mwpdMf irx dI rkm irx dw smW ivAwj drjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________147

smwrt mnI PMfy (Dn dy PMfy dw vDIAw FMg)bqOr b`cy quhwƒ pYsy dI b`cq ikauN krnI cwhIdI hY ? hr vyly Awpxy mwipAW qoN sMsy pu`Cy bZYr qusIN Awpxy mwipAW jW im`qrWleI quhPY KrId skdy ho[ qusIN vsqW ’c Xogdwn pw ky jo ky quhwfIAW hn, dy rUp ivc b`cq krskdy ho ijvyN ik kMipaUtr jW sY~lPon[ jykr qusIN A`j qoN hI inrMqr pYsy bcwauxy SurU kr idau qW qusIN AwpxIkwlj dI pVHweI jw ivdyS ’c Cu`tIAW guzwrn ivc Xogdwn pw skdy ho[ b`cq iek Awdq hY, ijMnI jldI smJ Aw jwey, aunIN CyqI vDdI hY[swƒ b`cq ƒ invyS krn dI loV ikauN pYNdI hY ? mudRw PYlwE ivru`D Awrwm :hr vsq dI kImq lgwqwr v`DdI jw rhI hY[ jo iksy vI pYsy dI kImqA`j qoN swl pihlW sI auhI kImq aus dI A`j nhIN hY[ ies leI mudRwPYlwE dy ivru`D bcq rwSI swƒ suK-Awrwm idMdI hY[ AOKy smyN dw Awsrw :iek Acwnk Awey rog dI qrHW AwpwqkwlIn hwlwq ivc quhwfw bcwieAwhoieAw Dn izAwdw musIbqW dy ibnW shwrw idMdw hY[ jIvn p`Dr ’c ivkws :ijhVw Dn AsIN invyS krdy hW aus dI ivvykpUrk b`cq Aqy vwpsI swfyjIvn p`Dr ’c ivkws ilAwauNdI hY[ quhwfw Gr, kwr, ielYkitRk vrqoNdIAW vsqW, sY~l Pon, v`DIAW Cu`tIAW mnwauxI… ieh sB quhwfI b`cqqoN hI sMBv hY[ FldI aumr leI AwmdnI dw zrIAw :irtwiermYNt auprMq, ho skdw hY, jo pYnSn quhwƒ imly, aus nwl qusINAwpxy jIvn jIaux FMg dI p`Dr Aqy Awpxy pirvwr dI vDIAw FMg nwlnw inBw sko[ aus vkq qW aumr joVI pUMjI quhwfy h`Q Aw ky quhwƒsuKwilAW krdI hY[148 ______________________________________________________

smwrt mnI (Dn) dI pirBwSk SbdwvlI jwiedwd (AYsYts) : auh vsqW jo ivAkqI dI mlkIAq hn[ ijMmyvwr (lwiebIltIz) : auh vsqW jo ivAkqI irx lYNdw hY jWdyxdwr huMdw hY[ nY~t vrQ : jwiedwd – ijMmyvwrI kYS PloA stytmYNt : swDwrn sUcI jo quhwfI AwmdnI Aqy KricAW dwihswb r`Kdw hY[ bjt : swfI AwmdnI Aqy KricAW ƒ iDAwn ivc rKidAW AwrQkXijnw iqAwr krnI[ PwlqU (srpls) : auh pUMjI jo vrqoN Aqy loVW ƒ pUrIAW krn auprMqb`c jwvy, PwlqU khwauNdI hY[ Gwtw (fYiPist) : AwmdnI qoN bwhry PwlqU Krcy Gwtw khwauNdy hn[ q`qkwlI pRsMnqw (ienstYNt gRYitPIkySn) : jdoN AsIN qurMq AwpxI loVjW ie`Cw dI pUrqI krIey[ ivlMbq pRsMnqw (fIlyXf gRYitPIkySn) : lMmy-kwl dy tIicAW nwl,qusIN A`j kuJ huxy pRwpq krn vwlI vsq dw iqAwr ies leI krdy ho ikBiv`K ivc ies dy bdly kuJ v`fw qy vDIAW hwisl krogy[ ies ƒ ivlMbqpRsMnqw AwKdy hn[ mOky dw mu`l (AOpoizt kOst) : mOky dw mul aus ƒ kihMdy hn ijs dwiqAwg qusIN hr cox vyly kr idMdy ho ikauNik sroq G`t huMdy hn qy cwhqWAnyk[ sB kuJ qW pRwpq krn dw koeI FMg nhIN huMdw[ ies leI kuJcIz pwaux leI iksy cIz ƒ AsIN CMf idMdy hW[ loVW (nIfz) : auh vsqW ijnW ibnW quhwfW guzwrw nhIN ho skdw[ ie`CwvW (vOnts) : cwhqW auh vsqW hn ijhVIAW quhwfy jIvn ƒibhqr bxwauNdIAW hn[ bYNikMg : “bYNikMg” dw ArQ svIkwrnw hY[ Bwv auDwr dyx, invyS krnlokW dy Dn ƒ jmw kr ky invyS krnw mMg au~pr vwpsI jW hor qrHW jWcY~k duAwrw rwSI kFvwauxI, fRwPt A`wfr jW hor qrHW – ienHW swirAWau~pr bYNk kwrj krdw hY qy ienHW ƒ clwauNdw hY[ cY~k : cY~k iek iliKAw hoieAw kwZz jW dsqwvyz huMdw hY ijs dy ivcibnW SrqW dy A`wfr, mwrkr duAwrw hsqwKirq, ivSyS bYNkr dw inrdySidMdy, ivSyS drmwey ivAkqI ƒ Amuk rwSI dyx dy sMkyq jW PlW bMdy vloNcY~k ilAwaux vwly vwhk (bIArr) ƒ id`qw jwx vwlw smJOqy Xog kwZzIkwrj hY[ AwmdnI (ienkm) : kmwieAw jW pRwpq hoieAw Dn[ ^rcy (AYkspYNiss) : ^rcw auh huMdw hY jo qusIN AwpxIAW loVw Aqyie`CwvW leI ^rcdy ho[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________149

smwrt mnI PMfy (Dn dy PMfy dw vDIAw FMg)bcq ^wqw Kulvwaux leI loVINdIAW vsqW(1) ^wqw Ku`lvwaux vwly dw pqw Aqy SnwKqI pihcwn dw sbUq[(2) ijs ivAkqI dw pihlW au~Qy ^wqw KuìlAw hovy aus vloN nvyN ^wqwkwr dIjwx-pCwx, jykr nwbwlg dw ^wqw Kolxw hovy qW Aksr aus dy rìKAw jwxpCwxidMdy hn[(3) pCwx leI ivAkqI (ivAkqIAW) dIAW PotoAW (Aksr do)(4) pYn nMbr (jW bhuqy nMbr) (AwXkr ivBwg vloN iejwd hoey) lyKwkwr jWlyKwkwrW dw (pYn nMbr dI ZYr mOjUdgI ivc gRwhk ƒ suicq Pwrmyt qypRiqigAw p`qr dyxw pYNdw hY[ey.tI.AYm. : Awpxy Awp d`sx vwlI mSIney.tI.AYm. kwrf vriqAw jw skdw hY :(1) ey.tI.AYm. qoN quhwfI jmw pUMjI ivcoN bkwieAw rwSI idn ’c iksy vkq vIkFwieAw jw skdw hY[(2) ^wqy dI vsUlIAq leI kYS/cY~k jmw krvwauxw[(3) ^wqy ’c AwpxI bkwieAw rkm bwry jwxkwrI lYxw[(4) hor ikMnIAW swrIAW bYNkW qoN lYx-dyx dIAW tRWzYkSnz* dI jwxkwrI* ijvyN ik ^wqy dI sMKyp sUcI, aupXogI ib`lW dI AdwiegI Awid[kRYift kwrf dI vrqoN leI sqrkqw1. jdoN hI kRYift kwrf pRwpq kro, ausy vkq hsqw^r pYnl au~pr hsqw^r kro[2. Awpxy ipn (injI SnwKqI nMbr) ƒ gupq rKo[ bYNk ’coN mylr duAwrw quhwƒipn pRwpq hovygw[ ipn mylr ƒ imldy swr hI r`d kr ky nvW ipn ausy vkqbdl lE[ bYNk dy ey.tI.AYm. dy kwrj leI quhwƒ ipn dw pRXog krnw pvygw[3. KrIdo-ProKq krn dy qurMq bwAd Awpxy kRYift kwrf ƒ vwps lYx leIsqrk rho, ies ƒ A`Ko Ehly nw hox idE[4. AwpxIAW mhInwvwr Awey iblW dIAW stytmYNtW ƒ AwpxIAW rsIdW nwlimlwE qW ik kwrf au~pr lYx-dyx dw ihswb r`K sko[ iksy AsvIikRq lYxdyxdI qurMq irpot kro[5. Awpxy swry kwrfW dy nMbrW dI sUcI ƒ surìKAq QW qy sMBwl ky r`Ko[150 ______________________________________________________

smwrt mnI PMfy (Dn dy PMfy dw vDIAw FMg)zrw ku iDAwn idE!jykr hr roz qusIN QoVy pYsy bcwauNdy ho qW mhIny ’c iek idn ijs idn quhwƒivhl hovy qW Awpxy ip`gI bYNK ivcoN k`F ky pYsy bcq ^wqw bYNk ivc pw idau[AwkrSn bcq skImW leI vY~b qy jW ky bìcAW qy vìfAW leI qlwS kro[Swied hYrwn kun nqIjy inklx… swrQk FMg dy[jykr quhwfy mwqw-ipqw quhwfy sY~l Pon dy ib`l leI inSicq B`qw/rwSI idMdy hnqW aus Pon dI vrqoN QoVI Gtw ky Awpxy pYsy bcwE qW ik qusIN Awpxy AwrQktIicAW ƒ pRwpq kr sko[swƒ swirAW ƒ Gr dy Coty-moty kMmW ivc Awpxw Xogdwn dyxw cwhIdw hY[ quhwƒAwpxy mwipAW ƒ suJw dyxw cwhIdw hY ik ijhVy Awm qOr ’qy Gr dy Coty-moty kMmAsIN nhIN krdy, swƒ auh kMm kr ky AwpxI kmweI kr ky aus dy ivru`D pYsy lYxycwhIdy hn[ quhwfI AwmdnI dw pihlw sroq Gr qoN hI SurU ho skdw hY[mYN vI kmweI kr skdw/skdI hW _______________________________ijs hunr dI vrqoN nwl qusIN pYsy kmw skdy ho aus dI pCwx kro[kmry qoN bwhr jwx qoN pihlW aus dI ibjlI, p`Ky, b`qIAW Awid ƒ bMd kro[eyAr kMfISn (ey.sI.) dI vrqoN kyvl zrUrq leI krnI cwhIdI hY[ quhwƒSwied hYrwnI hovy ik ieMj krn nwl quhwfy pirvwr dI ikMnI ibjlI dy ib`l bcqhoeI hY[jdoN qusIN bwhr jW ky pYsy ^rcdy ho qW swry not AwpxI jyb ivc r`Ko Aqy is`kyv`Kry btUey ivc pw ky r`Ko[ jdoN qusIN Gr vwps prqoN, qW swry is`ky Awpxy ip`gIbYNk ivc pw idau[ mhIny dy Awi^r ivc qusIN Awpxy ip`gI bYNk dI rwSI vyK kyhYrwn rih jwvogy[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________151

smwrt mnI (Dn) dI pirBwSk SbdwvlI tyFw/kwtvW (k`RwisMg) : cY~k dy mu`K swhvyN do smWqr iKcIAW lkIrW ƒ‘kR`wisMg’ AwKdy hn[ ij`Qy cY~k ƒ kR`ws kIqw huMdw hY, ijs pRbMDk qoN iesƒ kFwauxw hY, qW iPr auh pRbMDk ƒ nhIN id`qw jwvygwp – smJOqy XogkwZzI kwrj ^wqw pRwpq cY~k (AkwauNt pyeI cY~k) : ij`Qy cY~k au~pr ‘AkwauNtpyeI’ iliKAw huMdw hY qW pRbMDk cY~k dI rwSIN ^wqy dy pRwpq krqw (pyeI)ƒ hI dyvygw[ - smJOqy Xog kwZzI kwrj k`Fwaux vwlw (fRwAr) : cY~k kFvwaux vwlw aus dw ^wqydwr huMdw hY, jocY~k ƒ jwrI krdw hY, jo aus ƒ pRwpq krnw cwhuMdw hY qW kFvwaux vwlwcY~k qy hsqw^r krdw hY[ pRwpq krqw (pyeI) : pRwpq krqw auh huMdw hY ijs ny rkm pRwpq krnIhuMdI hY[ fRweI bYNk Aqy SwKw : fRweI bYNk Aqy SwKw aus bYNk Aqy SwKw ƒdrswauNdI hY, ij`Qy ^wqy dw ihswb-ikqwb rìKAw jWdw hY Aqy ij`Qy rkmdI AdwiegI kIqI jWdI hY[ nwbwilg dw b`cq ^wqw bYNk : kwƒnn 18 swlW qoN Coty b`cy ^wqw nhINKol skdy[ iPr vI bcq dI Awdq ƒ pRoqswihq krn leI, bhuq swrybYNK 10 qoN 12 swlW dy bìcAW ƒ (bYNK qy inrBr krdw hY) AwigAw dyidMdy hn ik auh Awpxy nwau qy bcq ^wqw bYNk ivc Kol qy vrq skdyhn[ sybI (AYs.eI.bI.AweI.) surìKAw Aqy Awdwn-pRdwn borf : sybIBwrq dI AijhI cwlk sMsQw hY jo kwƒnI qwkqW nwl sQwipq hoeI ijnHWivc :(a) surìKAw ’c invySkW dy ivAwj ƒ bcwauxw[(A) surìKAw mwriktW dy ivkws ƒ pRoqswhn dyxw[(e) surìKAw mwriktW ƒ inXimq krnw[ iekuietI SyAr : kMpnI dI ku`l iekietI sMpqI brwbr Coty-Coty nwvWdIAW iekweIAW ivc vMfI huMdI hY[ hryk iekweI iekuietI SyArkhwauNdI hY jW swDwrn SyAr khwauNdw hY[ pRq`K mu`l (Pys vYlXU) : iekweI jW SyAr dw pRq`K mu`l swDwrn ijhw hIhuMdw hY Aqy d`sI geI rwSI (ruipAW ’c) jwrI krn vwly duAwrwhsqwîrq huMdI hY[ ifvIfyNf : SyAr holfrW ƒ kMpnI dy munwPy ivcoN jo ih`sw id`qw jWdwhYauh ifvIfyNf khwauNdw hY[ mwrikt mu`l : kMpnI dy SyArW dI mwrikt mu`l pRiq SyAr bwzwr dIq`qkwlI kImq au~pr huMdw hY[ dUjy SbdW ivc ieh auh q`qkwlI mu`l huMdwhY ijs mu`l au~pr bwzwr ivc SyAr KrIidAw jW vyicAw jw skdw hY[152 ______________________________________________________

smwrt mnI (Dn) leI nukqyjIvn ivc Awpxy tIcy nwl juVy rihx leI bcq nukqy Awpxy smwrt tIcy ƒ ilKky jW Awpxy tIcy bwry qsvIr bxw ky aus ƒ g`qyqy icpkw ky AwpxI pVHn vwlI myz au~pr lg lE[ ies ƒ Awpxw idRStIborf kho[ ieh quhwfw iDAwn joVn ivc shweI hovygw[ AwpxI XojnW qoN Btkx dy fr qoN bcx leI ies dw inrIKx krdy rho[ Awpxy dosqW ƒ vI AwpxI Xojnw jW tIcy bwry dso qW ik jdoN kdy vI qusINBtkx lgo, ieh quhwƒ sucyq kr skx[mwl-kwrguzwrIAWie`Qy kuJ nukqy mwlW ivc jw ky iPzUl KrcI krn qoN bcx leI hn :• ijhVIAW vsqW qusIN KrIdxIAW cwhuMdy ho aus dI sUcI iqAWr kro[• mwl jwx lìgAW kYS ƒ kwrf dI bjwie qrjIh idau[• Awpxy nwl QoVw kYS jW pYsy lY ky jwE ikauNik AsIN ijMny vI pYsy lY ky jweIeyGr KwlI jybIN hI prqdy hW[• KrIdx vyly Awvyg ivc nw AwE[ ijhVIAW vsqW quhwƒ AwkriSq krdIAWhn, Awpxy Awp ƒ pùCo ik vwkie ienHW dI zrUrq hY? Xwd kro ik tI.SrtqW qusIN pwauNdy nhIN jW au~cI A`fI vwly bUt ijnHW qy quhwfw sMquln hI nhINbxdw qy aus nwl jUJdy rihMdy ho[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________153

cq leI nukqy :smwrt mnI (Dn) leI nukqy• Krcx qoN pihlW bcwE : jdoN vI quhwfy h`Q kuJ pYsy Awaux, BwvyN nOkrI ’coNjW koeI B`qw (AlwauNs) jW iksy qrHW dy hor swDnW qoN[ ienHW pYisAW ƒKrcx qoN iphlW iekdm AwpxI bcq ƒ iek pwsy kr lE[ ies dw Piedwieh huMdw hY ik iek vwrI qusIN AwpxI bcq ƒ iek pwsy kr ilAw qW iPrqusIN bkwieAw rwSI Krcx leI suqMqr huMdy ho[• Awpxy mwqw-ipqw nwl smJOqw : ho skdY ieh nukqw quhwfy kMm Awey jW nwpr ies qy ingwh zrUr mwro[ cMgI bcq dI Awdq ƒ auqswihq krn dy leIvyKo, ik ieh quhwfI bcq dy br AwauNdY ik nhIN[ nukqw ieh hY ik jykrqusIN mhIny dy 50 rupey bcwauNdy ho qW Awpxy mW-bwp ƒ AwKo ik auh iescMgI Awdq dy ienm vjoN quhwfy bYNK ^wqy ivc hr mhIny vI 50 rupey jmwkrvwaux[• mOkw mu`l (AOprcuintI kOst) : KrId-dwrI dy mOkw-ey-mùl ƒ mwnqw idE[ieh quwhƒ C`fx leI kihMdI hY[ jykr qusIN 500 rupey dw ju`qw lYx bwry socrhy ho qW soco ik jykr iehI pYsy qusIN 5-10 swlW leI invyS leI lwey hoxqW ies dw quhwƒ ikMnw lwB hovygw[ ies gl ƒ ivcwrn bwAd jy quhwƒ lgyik qusIN hr hwlq ivc ieh ju`qy KrIdxy hI hn qW iPr socy ibnw ienHW ƒzrUr KrIdo[154 ______________________________________________________

smwrt mnI (Dn) leI nukqy eI.pI.AYs. : eI.pI.AYs pRiq SyAr kmweI dw sMiKpq rUp hY[eI.pI.AYs = swDwrn SyAr holfr ƒ nY~t munwPw pRwpqswDwrn SyArW dI pRmu`K igxqI pI/eI : pI/eI rySo eI.pI.AYs. dy bwzwr dy pRiq SyAr dI rySo dw hvwlw idMdI hY[pI/eI = pRiq SyAr bwzwr dw mu`leI.pI.AYs. st`wk eykscyNj : st`wk eykscyNj auh sMsQw hY jo KrId-ibkrI ƒ shXog idMdI,clwauNdI jW surìKAw nwl sMbMiDq kwrjW ƒ bxwauNdI hY[ dlwl (bRokr) : dlwl iek ivcoly dw kwrj krdw hY jo ik invySk ƒ KrId AqyivkrI A`wfrW ƒ lwgU krdw jW d`sdw hY[ ieauN auh invySk leI iek eyjyNt dwkwrj krdw hY Aqy AwpxIAW syvwvW leI invySk/gRhwk kolo PIs dy rUp ivckimSn lYNdw hY[ syNsyks : syNsyks sMvydnSIl ivSy sUcI jW AnukRimkw dw sMiKpq rUp hY[ ies dwlokpRIA nW bMby st`wk eykscyNj (bI.AYs.eI.) hY[ bI.AYs.eI. ’c 30 v`fIAW sBqoN v`D qyzI nwl vpwr krn vwlIAW kMpnIAW nwl rl ky bxweI geI hY[ ieauNieh AWkiVAw sMbMDI Awp jW pYmwnw jW bI.AYs.eI. qy swDwrn qOr ’qy st`wk dykwrjW dw sUck hY[Awm qOr ’qy hryk st`wk eykscyNj dw AWkiVAW nwl sMbMiDq mwp v`K-v`K nwvWnwl jwixAw jWdw hY[ Bwrq ivc ies kwrj leI ‘syNsyks’ new dw Aksr pRXogkIqw jWdw hY[ swDwrn ivAkqI dI BwSw ivc ‘syNsyks’ ƒ AYn.AYs.eI. leI‘inPtI’ ikhw jWdw hY[ inPtI : inPtI 50 st`wk dI kRm sUcI hY[ ijs ivc kuJ bhuq v`fy AqyAYn.AYs.eI. dy bhuq ivSwl nkdI mwl vpwrW ƒ Swml kIqw igAw[ fwE jonz jW fI.jy.AweI.ey. (fwE jonz ieMfstRIAl eyvryz) : inXU X`wrkst`wk eykscyNj Aqy nwsdk dI kRm sUcI hY[ AweI.pI.E. (ienISIAl pbilk A`wPr) : ienISIAl pbilk A`wPr duAwrwirx p`qr Awid surìKAwvW ƒ vyicAw jWdw hY ijvyN ik AwrQk hsqIAW dy SyArijvyN ik ilimitf kMpnI dy SyAr pihlI vwr pbilk ƒ dyxy[ swDwrn ivAwj Pwrmulw (ismpl ieMtRst Pwrmulw) :AweI = pI * AY~n * Awr , AweI = ivAwj, pI = mUl rwSI,100 Awr = ivAwj dr, AY~n = smW imSirq ivAwj Pwrmulw (kMpwauNf ieMtRst Pwrmulw) :ey = pI X (1+ CotI Awr) AY~n , ey = rwSI, pI= mUl rwSI,v`fI Awr = ivAwj dr, AY~n = smW,CotI Awr = v`fI Awr/100jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________155

smwrt mnI (Dn) leI nukqyqusIN vI kmw skdy ho!! ie`Qy kuJ nukqy id`qy gey hn…kMipaUtr guru bxo : bhuq swry lok kMipaUtr KrIddy hn Aqy aunHW ƒ sQwpqkrn Aqy pRXog krn ivc bVIAW id`kqW AwauNdIAW hn[ jykr quhwƒ kMipaUtrdI QoVI bhuq vI jwxkwrI hovy qW ho skdY ik qusIN AwpxIAW syvwvW bqOr ieklokl kMipaUtr slwhkwr pyS kro[ qusIN cIzW ƒ shI FMg nwl sY~t kr skdy ho,smìsAwvW hl kr skdy ho, svwlW dy jvwb dy skdy ho, pRogrwm is`Kw skdy hoAqy lokW ƒ is`Kw skdy ho ik eI.myl bxw ky ikvyN ByjI jWdI hY, jW ifjItlPotoAW ikvyN lof krIdIAW hn jW Amazon.com qy vsqW ikvyN KrIdIAW jWdIAWhn, iekdm sMdyS ikvyN krdy hW jW En lweIn src(gugl jW hor src ieMjnWduAwrw) ikvyN krIdI hY[kYNps (iSivr) : jykr qusIN ies v`l pihlW qoN hI iDAwn idE qW qusINgrmIAW dy kYNp nwl juV ky kMm kr skdy ho- qusIN bìcAW nwl kMm kr skdyho, zmInI dyKBwl jW Kwxw iqAwr krnw jW hor ikMny hI Aijhy kMm[pVHwaux jW itXUSn dw kMm : jykr qusIN iksy ivSy ’c mwhr ho qW aus ivSy ƒdUijAW ƒ isKwky pYsy kmw skdy ho[ifpwrtmYNt stor : ienHW nOkrIAW nwl quhwfI qnw^wh qoN bwhrI AwmdnI hojWdI hY[ ienHW storW ivc kMm kr ky quhwƒ mulwzmI Cut (ifskwauNt) AqyijhVIAW cIzW qusIN vycdy ho aus au~pr kimSn vI imldI hY[huiSAwr bxo : jykr qusIN klw Aqy Aqy iSlp ƒ psMd krdy ho qW qusIN ieshunr nwl AwBUSx, gRIitMg kwrf Aqy momb`qIAW Awid bxw ky vyc skdy ho- iesƒ qusIN Awpxy smwj ivc jW AwpxI klonI ivc ij`Qy qusIN rihMdy ho vyc skdy hoikauNik ie`Qy quhwfI gRhkW nwl jwx-pCwx hox kr ky ibkrI jldI hox dIsMBwvnw rhygI[vìfAW dI syvw kro : zrUrI nhIN ik quhwƒ nrisMg hom ivc hI kMm imly jWiksy irtwier lokW dy smUh ivc kMm imly[ qusIN vìfAW dI syvw Awpxy pVosivc vI kr skdy ho[ isAwxy bzurg lok izAwdw GuMm-iPr nhIN skdy ies leIauh quhwfIAW syvwvW nwl KuS hoxgy, quhwƒ jI AwieAw kihxgy[ qusIN aunHW ƒpMswrI dw swmwn, pu`jdw kr skdy ho jW Aws-pws dy Coty-moty kMm jo B`j-dOVvwly hox jW aunHW dy GrW dy duAwly Awijhy hor kMm-kwj kr skdy ho[156 ______________________________________________________

smwrt mnI (Dn) leI nukqyieh sOK vwlI sUcI qusIN Awpxy inqwpRiq, spqwihk jW mhIny dy KricAW dw lyKwjoKw r`Kx leI pRXog kr skdy ho ijvyN ik AwpxI kYS PloA stytmYNt bnwauxI[Awpxy in`qwpRiq dy KricAW ƒ aulIko :KricAW dw KyqrrwSI (rupey)ku`l Awmdn : aku`l Krcw : AAMqr : a-AsomvwrqwrIKjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________157

smwrt mnI (Dn) dI pirBwSk SbdwvlI bùl (Bull) : AwrQk bwzwr ivc ‘bu`l’ Sbd aus invySk ƒ sMkyq krdwhY ik bwzwr vDIAw kMm krygw qW kImqw cVygI[ ieauN ‘bu`l’ AwSwvwdIinvySk huMdy hn jo vrqmwn ivc bwzwr leI cMgIAW Biv`K-vwxIAW krdyhn Aqy bwzwr dy cVn nwl munwPy dI aumId krdy hn[ bIAr (Bear) : ies Sbd dI vrqoN aunHW invySkW leI kIqI jWdI hY joieh socdy hn ik mwrikt jW bwzwr hyTW v`l jW nukswn v`l jw irhwhY[ bIAr jdoN bwzwr ivc mMdw huMdw hY qW if`gIAW kImqW qoN munwPwcukdy hn[ bIAr Aksr bwzwr dI aus vyly dI dSw qoN inrwSwvwdI huMdyhn[ ieauN bIAr mwrikt if`gdI kImq dy inrwSwvwdI JukwA nwlsMbMiDq huMdI hY[ bWf : bWf iek p`kI AwmdnI (irx-p`qr) dw dsqwvyz huMdw hY[ ijs dwsmW G`to-G`t iek vrHw huMdw hY[ ies dw lkS AwpxI AwmdnI jWmul/PMf ivc iejwPw krnw huMdw hY[ irx p`qr (fYibt ieMstrUmYNt) : irx-p`qr iksy pwrtI dw irkwrfhuMdw hY[ krzweI (auDwr lYx vwlw) jo ik invySk kolo kuJ rkm/pYsy kuJinSicq kIqIAW SrqW au~pr auDwr PVdI hY[ Swhukwr/irxdwqw(kRYiftr) irx lYx vwlw ryt qYA krky ausdy mUl dI vwpsI au~pr smWAqy ivAwj dr inSicq kr ky rkm lYNdw hY[ mUl rkm dI vwpsI dIim`QI qwrIk ƒ Bugqwn (mYicEirtI) dI qwrIk AwiKAw jWdw hY[ BwrqI(sYikEirtI) surìKAw mwriktW ivc ‘bWf’ Sbd irxI dsqwvyzW leIvriqAw jWdw hY ijhVw ik kyNdr Aqy rwj (styt) srkwrW Aqy pbilksYktr sMsQwvW vloN pRkwSq kIqw jWdw hY[ijvyN bWf kyNdr Aqy rwj dI srkwr Aqy pbilk sYktr sMsQwvW vloNpRkwSq huMdy hn[ munwPw bWf invyS leI surìKAq dsqwvyz hY pr bWfWaupr vwpsI rkm Aksr bhuq G`t huMdI hY[ iekrwrnwmw (fIbYNcr) : iekrwrnwmw AsurìKAq irx dsqwvyz huMdwhY jo ik b`wfI kwrporyt vloN kìFAw jWdw hY[ ieauN ieh iek qrHW dwkwrporyt bWf hI huMdw hY[Aijhy mOky qy iekrwrnwmy pRkwSq krn vwlw ies ƒ ^qm krnw cwhy qWijs kol iekrwrnwmw hY, auh kyvl iek swDwrn lYxdwr bx jWdw hY jdoNik surìKAq lYxdwr pUrI rkm lYx dw h`kdwr huMdw hY[ iesy leIiekrwnwimAW vwilAW ƒ au~cI dr dI ivAwj dyx dw iekrwr kIqw jWdwhY[BwrqI surìKAwvW mwrikt ivc ‘iekrwrnwmw’ Sbd injI korporyt KyqrvloN jwrI kIqy gey dYibt ienstrUmYNts leI pRXog kIqw jWdw hY[158 ______________________________________________________

smwrt mnI (Dn) leI nukqyAwpxy hPqy dy KricAW dw ihswb lgwE :hPqy dy idn AwmdnI (a) KrcysomvwrmMglvwrbu`DvwrvIrvwrSukrvwrSnIvwrrvIvwrku`l joVAMqr a-Ajyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________159

smwrt mnI (Dn) dI pirBwSk SbdwvlI kMpnI iPksf ifpoizts : ieh QoVy smyN leI (Cy-mhIny) qoN mIfIAm smyNleI (3 qoN 5 swlW leI inSicq ivAwj dr qy kMpnIAW vloN au~Dwr il`qwjWdw hY[ ijs dI Bugqwn mhIny, iqmwhI jW iCmwhI Aqy swlwnw krnw huMdwhY[ auh p`kI jmw rwSI ƒ iek`Tw vI kr skdy hn, ij`Qy swrw mUl aus dyivAwj smyq lon dw smW (pIrIAf) smW ^qm hox auprMq iek`Tw Adw kIqwjWdw hY[ ivAwj dI dr 6 qoN 9% swlwnw kMpnI dI AYP.fIz qy inrBrkrdI hY[ tYks dI ktOqI bwAd hI ivAwj pRwpq huMdw hY[ kYRift ryitMg eyjMsI : ieh KudmuKiqAwr dw suqMqr, ivSyS sMsQw hY joAwrQk dsqwvyzW dw mulWkx krdI hY[ izAwdwqr bWf, iekrwrnwmy, kMpnIdy iPks ifpoizt dy mulWkx spYSlweIzf kRYift ryitMg eyjMsIz hI krdIAWhn[Bwrq ivc kRYift ryitMg eyjMsIAW krweIisl (sI.Awr.AweI.AYs.AweI.AY~l.),kyAr (sI.ey.Awr.eI.), AweI.sI.Awr.ey. Aqy iP`c (AYP.AweI.tI.sI.AYc)hn[ bWf dI kImq Aksr iesdI irx (suriKAw) dI kImq muqwbk G`tdIvDdIrihMdI hY[ ijMnw pUMjI surìKAq vDyry huMdI hY aunW aus dy ivAwj dIdr G`t jWdI hY[ fImYt ^wqw (fImYt AkwauNt) : ‘fImYt’ Sbd dw ArQ ies ƒ BOiqk guxWqoN v`K krnw hY[ ieh ^wqw invySk vloN jmw pUMjI ^wqw Kolx vwly fI. pI.(fIpoistrI pwrtIsIpYNt) nwl surìKAqw leI kIqw jWdw hY[iksy surìKAw (isikEirtI) ƒ BOiqk guxW qoN v`K krn dw ArQ hY ies ƒBOiqk rUp qoN ielYkitRk rUp ivc pirvriqq krnw[ ielYkitRk rUp ivc ienHWsurìKAwvW ƒ jo clwauNdw hY aus ƒ ifpozytrI (qhvIldwr) KzwncI ikhwjWDw hY[ ifpozytrI bYNK vWg hY ij`Qy jmw pUMjI (ijvyN ik SyAr, iekrwrnwmy,bWf, srkwrI surìKAw p`qr, Xuint Awid) ielYkitRk rUp ivc r`Ky jWdy hn[Bwrq ivc do ifpozytrIAW hn ij`Qy ies rUp ivc muhèIAw krvwieAw jWdwhY- pihlI hY- AYn.AYs.fI.AYl nYSnl sYikEirtI ifpozytrI ilimitf AqydUjI – sI.AYs.fI.AYl. sYNtrl sYikEirtI ifpozitrI ilimitf[ifpozytrI is`Dy qOr ’qy invySk dw ^wqw nhIN sMBwldI pr ies dy invySkW dyrwhIN invySkW nwl ^wqw jmw krn vwly KzwncIAW nwl jo ik invySkW dy^wqy dw ihswb r`Kdy hn rwhIN imldI hY[ ieauN jy ifpozytrIAW bYNk hI hn qWiPr aus dy BwgIdwr jW sihXogI bYNkW dIAW bRWcW jW SwKwvW hn ij`QyinvySkW dy ^wiqAW dy irkwrf ƒ sMBwilAw jWdw hY[kuJ smyN qoN sybI (AYs.eI.bI.AweI.) swrIAW kMpnIAW Aqy st`wk eykscyNjW ƒ‘fI-mYt’ dy AiDkwr hyTW ilAwauxw cwh irhw hY[160 ______________________________________________________

smwrt mnI (Dn) leI nukqyAwpxy mhINy dy ^ricAW dw ihswb lwE :mhInw : jnvrIhPqyhPqw 1hPqw 2hPqw 3hPqw 4ku`l joVAMqr a-AAwmdnI (a)^rcyjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________161

smwrt mnI (Dn) dI pirBwSk SbdwvlI imaucUAl PMF : imaucUAl PMf iek sMgiTq rijstrf sMsQw huMdI hY joinjI/sMgitq invySkW qoN pYsw iek`Tw kr ky A`goN v`KrI-v`KrI iksm dyAwrQk AdwirAW jW suriKAq sMsQwvW ’c pYsw invyS krdI hY ijvyN ikiekuietI SyAr, srkwrI surìKAq skImW, bWf jW iekrwrnwimAW Awid[sMgiTq PMf jW imaucUAl PMf iek qrHW nwl invySgI dy vpwr ivc AwrQkivcolgI dw kwrj krdw hY ijhVw ik lokW qoN PMf (pYsw) invySkW leI hIpYsw invyS krdw hY[ sMgiTq PMf invySkW leI Xuint k`Fdw hY[Bwrq ivc hryk sMgiTq PMf (imaucUAl PMf) dw sybI (AYs.eI.bI.AweI. jWsYikEirtIz eykscyNj borf A`wP ieMfIAw ’c rijstr hoxw lwzmI hY[sMgiTq PMf dy lwB :• CotI dr qy pYsw invyS krnw• PYldy ^qry• pRoPYSnl PMf mYnyjmYNt• lMmy smyN leI invyS dy lwB• nkdI• inXmq krnw (rYgulySn)• pwrdrSkqw (tRWspYRNsI)• vwjb ^rcw nY~t eys`t vYlXU jW nYv (AYn.ey.vI.) : sMgiTq PMf dI Asl sMpqI mu`l(nYv) iksy sMpqI dI dyxdwrI dy PMf dy ku`l joV dI AOsqn bwzwr dI kImqhuMdI hY[ nYv jW AYn.ey.vI. pr iekweI swDwrn qOr ’qy sMpqI dI AslkImq huMdI hY[iekweIAW jW XuintW dI KrId ivkrI nYv nwl sMbMiDq AwDwr qy huMdI hY[iek sMgiTq PMf (imaucUAl PMf) dy nYv A^bwrW ivc pRkwiSq hoxy zrUrIhuMdy hn[ nYv dy PMf dI gqI quhwƒ PMf dI kwrjSILqw drswauNdI hY[ pRvyS/pRsQwn Bwr (dwm) (AYntrI/AYZizt lof) : pRvyS/ pRsQwn KrId(lof) iek kwrj hY jW kImq hY jo sMgiTq PMf pRvyS smyN jW PMf dy pRsQwnvyly iek`Tw krdw hY[ lof jW dwm iek lgwn jW vsUlI hY jo A`p PrMt kImqƒ pURn leI huMdI hY[ jo ik imaucUAl PMf dI ^rId jW ivkrI qoN il`qI jWdIhY[not : kuJ PMfW qy pRvyS jW pRsQwn lof qy cwrj nhIN kIqw jWdw[ ienHW PMfWƒ ‘no lof PMf’ ikhw jWdw hY[ PMfW aupr Aksr pRvyS dwm (lof) 1.00% qoN2.00% q`k il`qw jWdw hY[ pRsQwn lof (dwm) 0.25% Aqy 2.00% ivc il`qwjWdw hY[ iekuietI imaucUAl PMf (jW gRoQ PMf) : auh sMgiTq PMf ijhVw pRmu`K qOr’qy iekuietI SyArW ’c invyS kIqw jWdw hY[not : invyS (AMfr gRoQ plYn) qoN lwB AMS (ifivfyNf) il`qy jW id`qy hoieAw ƒpunr invyS kIqw jWdw hY ijs nwl mUl ’c lwB vI pRwpq huMdw hY[ lwB AMSXojnw qihq AwmdnI ƒ invySkW ivc vMf id`qw jWdw hY[162 ______________________________________________________

smwrt mnI (Dn) leI nukqyAwpxI mhINy dI nkdI dw inrIKx kridAW lon qy ie`Cw dy AwDWr qy bdtaulIko :^rcy dw Kyqr^rcI rkm(rupey)loV/ie`Cw suDwr dIguMjwieS ?pRsqwvq^rcyku`lmhIny dI AwmdnI : amhIny dy ^rcy : AAMqr : a-Asocy hoey mhIny dy ^rcysocI hoeI bcqjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________163

smwrt mnI (Dn) dI pirBwSk SbdwvlI irx (fYibt) PMf : auh sMgiTq PMf ijhVw pRmu`K qOr ’qy irx jW krjy dydsqwvyzW ’c invyS kIqw jWdw hY[ sMquilq PMf : auh sMgiTq PMf ijhVw iekuietI Aqy irx dy dsqwvyzW donW’c invyS krdw hY qW ik KqirAW qy ivkws ƒ sMquilq kIqw jwvy[ tYks bcwaU PMf : auh imaucUAl (sMgiTq) PMf jo invySkW ƒ tYks lwB‘AwmdnI tYks AYkt’ qihq idMdw hY[ ies iksm dy PMf dI audwhrxeI.AYl.AYs.AYs. (iekuietI ilMkf syivMg skIm) hY[ Ku`ly AMq dy PMf (EpMn AYNiff PMf) : auh imaUcuAl PMf ijhVy cMdy jW lyKn(Xuint dI KrId) leI Aqy bcwA (XuintW dI ivkrI) leI hmySw Ku`ly hox[ bMd AMq dy PMf (kloz AYNiff PMf) : ijhVy PMf mu`Fly pbilk pySkS(ienISIAl pbilk AOPirMg jW AweI.pI.E.) dy pRvyS smyN kyvl Ku`lx auhbMd AMq dy PMf khwauNdy hn[not : Ku`ly AMq dy PMfW dI kImq nYv (fylI nYt AYsyt vYlXU) nwl sMbMiDq huMdIhY[ ies leI ieh PMf bMf AMq dy PMfW qoN vDyry nkdI huMdy hn ijhVy ik AwmqOr ’qy nYv (AYn.ey.vI.) dI irAwieq (ifskwauNt) qy vpwr krdy hn[ ivvsiQq kFwaux dI Xojnw (AYs.fblXU.pI. jW isstymYitk ivFfRwAlplYn) : auh sMgiTq PMf Xojnw ijs dy qihq iek inSicq rkm hmySwXuintW dy loVINdy AMkW dy bcwA leI kIqI jWdI hY[ ivvsiQq invyS Xojnw (AYs.AweI.pI. jW isstymYitk ienvYstmyNtplYn) : auh imaucUAl PMf Xojnw, ijs dy qihq iek inSicq rkm krmhIny invyS kIqI jWdI hY[ivvsiQq invyS Xojnw (AYs.AweI.pI.) hryk injI bMdy ƒ v`fI invyS AvDIdI bjwie Coty qoN Coty swDwnW ƒ CotI rkm BwvyN 100 rupey qoN pMj sO hrmhIny sMgiTq PMf ivc jmw krn idMdI hY[ivvsiQq invyS Xojnw (AYs.AweI.pI.) dy mu`K lwB hn :• imSirq (kMpwauNf) dI qwkq : lMmI AvDI dy invyS kwrn imSirq dw pRBwvvDyry pRbl huMdw hY[• AnuSwsn Aqy shUlq : inrMqr invyS kIqI CotI rwSI izAwdw AOKI nhINlgdI sgoN QoVw-QoVw kridAW izAwdw rkm juV jWdI hY[ ieh FMg sOKw vIbVw lgdw hY ikauNik ies dI vsUlI jW ih`sw eI.sI.AYs. duAwrw ho skdI hYjW AgwaU qrIkW pey cY~k (post fyitf cY~k) nwl lgweIAW jW d`sIAWihdwieqW sMg kIqI jw skdI hY[• eI.sI.AYs. auh isstm hY jo is`Dw qhwfy ^wqy dy ^rcy ƒ bYNk klIAirMgisstm nwl pRBwvq krdw hY[164 ______________________________________________________

smwrt mnI (Dn) leI nukqyAwpxI bcq aulIko : qusIN AwpxI bcq ƒ ies sUcI p`qr dI mdd nwljwx skdy ho[ quhwfy Pwiedy leI kuJ audwhrx id`qy gey hn :mwrg rwSI ivAwjdI drsmWrkm dIpRoVqw(mYcurtI)bcq ^wqw 400 3.50% ---- -----Gr ivc (ip`gI bYNk) 50 ------ ------ -----AYs.AweI.pI. 300 12% 9 swl ------ku`ljyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________165

smwrt mnI (Dn) dI pirBwSk SbdwvlI Su`D Kqrw jW jIvn Srq bImw Xojnw (pXor irsk jW trm lweIPieMSorYNs pwlsI) : auh bImw Xojnw ijs dw pUrw pRImIAm bIby leI jWdwhY[ (jIvn ^qry ƒ Brn leI) Dn pRdwn jIvn bImw Xojnw (AYnfomYNt lweIP ieMSorYNs pwlsI) : auhbImw Xojnw ijs ivc pRImIAm dw SyS PMf (bYlYNs) isrjx leI smyq jWibnw munwPy dI vwpsI qoN bImw dI smyN sImw auprMq jIvn KqirAW ƒ pUrnmuheIAw krwaux leI invyS kIqw jWdw hY[ (ieh pwlsI dIAW SrqW qyinrBr krdw hY[) sMpUrn jIvn bImw Xojnw (hol lweIP ieMSorYNs pwlsI) : auh bImw Xojnwijs ivc bImw rkm aus dy iek`Ty kIqy hoey jW juVy PMfW smyq aus bMdy dyauqrwiDkwrI ƒ id`qw jWdw hY[ Xuint nwl sMbMiDq bImw Xojnw (Xuint ilMkf ieMSorYNs pwlsI jWXU.AYl.AweI.pI.) : auh ibmw Xojnw ijs ivc bImy dy lwB Aqy imaucUAlPMf ƒ iek`Tw joV ilAw jWdw hY[ ieh Dn pRdwn Xojnw vWg hY ijs ivcimaucUAl PMf ivc invyS kIqw jWdw hY[ pYNSn Xojnw : ieh invyS Xojnw izAwdwqr bImw kMpnIAW vloN id`qI jWdI hYijs dy qihq invySkW v`loN Adw kIqy pRImIAmW ƒ PMF isrjx leI vriqAwjWdw hY[ jdoN aunHW dI Srq jW trm pUrI ho jWdI hY qW inrMqr BugqwnpYnSn dI sUrq ivc Adw kIqw jWdw hY[ pbilk pRovIfyNt PMf (pI.pI.AYP.) :• ieh lMmy smyN leI bcq skIm hY ijs ƒ 15 swl pUry hox qy aus rkm dI8% swlwnw imSirq ivAwj smyq id`qI jWdI hY[• pI.pI.AYP ^wqw iksy vI BrosymMd bYNk/fwk Gr ivc slw dy iksy vI smyNKulvw ky pYsy jmw krvwey jw skdy hn[• AwmdnI tYks nwl sMbMiDq AwmdnI au~pr AwmdnI tYks munwPw AwmdnIivcoN tYks dI ktOqI krvw ky kIqw jWdw hY[ ies ivc lgweI rkm dy au~prAqy aus qoN imly ivAwj au~pr tYks nhIN lgdw[• ^wqw Ku`lx dI qwrIK qoN bwAd AwrQk swl dy s`qvyN swl qoN inkwsI krskdy ho[• cOQy swl q`k ijMnI rkm jmw hY, aus qoN A`DI rkm pUrbly cOQy vry dy qurMqbwAd AwpxI rkm k`Fvw skdy ho jW pUrbly swl dy ^qm hox bwAd ijhVIvI irx dI rkm jykr koeI hovy G`t hovy qW aus vkq rkm k`Fvw skdy ho[• ies skIm dy qihq lon (irx) suivDw vI auplbD hY[166 ______________________________________________________

smwrt mnI (Dn) leI nukqysmwrt (cusq) tIcyivSySsmyN dy pwbMDmwpxXogsmwrt (cusq) tIcwXQwrQkpRwpqI XogA`TvyN sYSn dI ividAwrQIAW dI kwpI ivc kuJ mh`qvpUrn vY~b sroqW dI nmUnqsUcI id`qI geI hY[ qusIN ienHW vY~b sweItW jW hornW ivcoN AwpxI shUlq muqwbkinjI AwriQkqw Aqy invyS dI hor jwxkwrI lY skdy ho[1. bhuq swrIAW AijhIAW vY~b sweItW hn jo iviBMn invySk dsqwvyzW ijvyN ikSyAr, imaucUAl PMfW Awid bwry ^brW Aqy sUcnwvW muhèIAw krvwauNdIAWhn[ ienHW ivcoN kuJ quhwƒ EnlweIn prot-PolIE (irkwrf) ƒ shI qrHWr`Kx ’c mdd krdIAW hn ik qusIN ik`Qy invyS kIqw Aqy auQo qusIN AwpxIinvyS pMUjI dy kwrj dw inrMqr inrIKx vI kr skdy ho[ kuJ sweItW eIkYlkulytrzvI idMdIAW hn ijnHW qoN qusIN Awpxy munwPy dI igxqI kr skdyho ik Asl ivc ivSyS invyS qoN quhwfI socI ivauNqI siQqI muqwbk ikMnwmunwPw qusIN ies qoN cu`k rhy ho[ieh vY~bsweItW hyT iliKq hn :• www.bloombergutv.com• www.business-standard.com• www.economictimes.indiatimes.com• www.livemint.comjyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________167

• www.rediff.com/getahead/money.html• www.moneycontrol.com• www.myiris.com2. kuJ sweItW kyvl iek qrHW dy invyS nwl hI sMbMiDq huMdIAW hn ijvyN iksMgiTq PMf[ ieh hyT iliKq hn :• www.valueresearchonline.com• www.mutualfundsindia.com3. mwrikt rYgulytr Aqy sMsQwvW vI vY~b sweItW ƒ ivvsiQq r`KdIAW hn joquhwƒ mwrikt dI Aqy auqpwdW dI soJI idMdIAW hn ijnHW ƒ auh clwauNdIAWhn[ ieh hyT iliKq hn :• www.sebi.gov.in/ - sykXoirtIz Aqy eyskcyNj borf A`wP ieMfIAw dIAiDkwirk vY~bswiet[ swfy SyAr bwzwr leI inAwmk sMsQw• www.rbi.org.in/ - irzrv bYNk A`wP ieMfIAw dI AiDkwirk vY~bswiet[Bwrq dy swry bYNkW dI inXimk sMsQw (rYgulytrI b`wfI)[• www.irda.gov.in/ - bImw inXimk Aqy ivkws sMsQw, bImy leI inXimksMsQw (rYgulytrI b`wfI) dI AiDkwirk vY~bsweIt[168 ______________________________________________________

smwrt mnI (Dn) dI pirBwSk SbdwvlI ikswn ivkws p`qr : iek fwk ^wny dI lGU bcq Xojnw hY[ ijs ivc jmwrwSI 8.41% swlwnw ivAwj dI dr qy A`T swl Aqy s`q mhIinAW ivcdugxI ho jWdI hY[ rwStrI bcq Xojnw (AYn.AYs.sI. jW nYSnl syivMg srtIiPkyt) : iehvI fwk ^wny dI lGU bcq Xojnw hY ijs dI ivAwj dr 8% swlwnw hY[ iesivc jmw rwSI jo invyS kIqI jWdI hY auh kuJ sImwvW ivc tYks XogAwmdnI dI ktOqI krn dy vI smr`Q huMdI hY[ fwk Gr dI mhInwvwr AwmdnI skIm (post AwiPs mMQlI ienkMmskIm) : ieh 6 swlW leI fwk ^wny dI lGU bcq Xojnw hy ijs dI ivAwjdI dr 8% swlwnw dI dr qy hr mhInw id`qw jWdw hY[ virST nwgirk jmw ^wqw skIm (sIinAr sIitzn fIpOizt skIm) :ieh pMj swlw fwk Gr dI lGU bcq ^wqw Xojnw aunHW nwgirkW leI hY jo 60swlW qoN au~pr huMdy hn[ ies skIm ivc ivAwj 9% swlwnw dI dr qy id`qwjWdw hY[ swmwnX mhInwvr ikSq (iekueyitf mMQlI ieMstwlmYNt jWeI.AYm.AweI) : swmwnX mhInwvr ikSq auh rwSI hY ijhVI krzdwr nyhr mhIny dyxI huMdI hY qW ik ivAwj smyq mUl dI vwpsI krz dy im`Qy smyN dyAMq q`k ho sky[ GtwaU bkwieAw ivDI (irfUisMg bYlYNs mYQf) : ieh ivDI krz dI rkmau~pr ivAwj lYx dw FMf hY ijs muqwbk jdoN hI irx dI vwpsI huMdI hYivAwj ‘GtwaU jW ktOqI SyS’ au~pr igixAw jWdw hY- auh irx dw mUl huMdY,ijhVw hr roz/ mhInw/ iqmwhI/ iCmwhI/ swlwnw Adw krnw huMdw hY (ijsqrHW dw kys hovy)[ hryk jmw ^wqy dw ihswb ikSqW dI vwpsI AdwiegI jWhor dI ivDI nwl huMdw hY[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________169

kRYift kwrf dy nym :1. ku`l Bugqwn rkm (totl AmwauNt fXU) : ieh ku`l pUMjI jW rkm huMdI hYijhVI ik kRYift kwrf vwly ny Adw krnI huMdI hY[2. AMqr Bugqwn dI qwrIK (pymYNt fXU fyt) : ieh auh qwrIK huMdI hY jdoNGto-G`t bkwieAw rkm dI vwpsI rknI lwzmI huMdI hY[3. kYRift sImw (kYRift ilimt) : ieh quhwfI jmw rwSI dI ku`l rkm hY, ijsƒ qusIN kRYift kwrf dy pRXog nwl vrq skdy ho[ jykr ies rkm qoN v`DkFvwE jW vrqoN qW aus au~pr jurmwnw lgdw hY[4. G`toN-G`t Bugqwn rkm (iminmMm AmwauNt fXU) : G`toN-G`t Bugqwn rwSIAwm qOr ’qy kul Bugqwn rwSI dw 5% huMdw hY[ koeI vI ies dI AdwiegI dIcox ku`l Bugqwn rkm jW G`toN-G`t Bugqwn rkm, Bugqwn dI qwrIK q`k krskdw hY[5. auplbD kRYift sImw (Avylybl kRYift ilimt) : jykr qusIN pihlW hI ku`lkRYift ilimt dw kuJ ih`sw vrq cu`ky ho qW bwkI bicAw hoieAw kRYift‘auplbD kRYift sImw’ ivcoN dyiKAw jw skdw hY[6. auplbD nkdI sImw (Avylybl kYS ilimt) : hryk kRYift kwrf dI iekauplbiDk nkdI sImw huMdI hY jo ik qusIN ey.tI.AYm. ’coN k`Fvw s`kdy ho[7. stytmYNt smW (stytmYNt pIrIAf) : kRYift kwrf ikMny smyN ivc ikMnIAWvMfW hoeIAW ƒ drSwauNdw hY, ijs dy ihswb dw smW Aksr 30 idn huMdw hY[8. KrIdo ProKq Aqy hor vsUlI (prcyz AYNf Adr cwrijz) : ieh stytmYNtdy smyN ivckwr hoeI quhwfI KrIdo ProKq dw ivvrx huMdw hY jo quhwfIbkwieAw Dn au~pr vsUl kIqw jWdw hY[170 ______________________________________________________

ivivD pRkwr dy bYNk irx (lons)vwhn irx :1. qusIN nvyN jW purwxy vwhn dI KrId leI bYNk kolo krzw lY skdy ho[2. ijhVw vwhn qusIN KrIddy ho auh irx leI surìKAw (isikEirtI) huMdI hY joAwr.sI. (rijstRySn srtIiPkyt) ikqwbcy Aqy rIjnl tRWsport AYQ`wrtIivc irkwrf kIqI jWdI hY[3. bYNk AwmqOr ’qy guMjwieS (mwrijn) dy rUp ivc vwhn dI lwgq dy 10 qoN25% leI pu`Cdw hY[4. v`D qoN v`D Bugqwn smW Aksr 7 swl huMdw hY[5. jykr qusIN purwxI kwr KrIdxw cwho qW bYNk v`D ivAwj lYNdw hY, vDyry jmwrwSI leI kihMdw hY Aqy kRYift vI G`t smyN leI idMdw hY[aupBOgqw irx :1. jykr qusIN rYPrIjrytr, tYlIivXn Awid vsqW leI krz lYNdy ho qW ieskrz ƒ aupBogqw irx AwiKAw jWdw hY[2. ies dI vwpsI dw v`D qoN v`D smW iqMn swl huMdw hY[3. KrIdI vsq dw mwrijn (guMjwieS) loV 10 qoN 25% huMdw hY[injI lon :1. jykr qusIN koeI ivSyS vsqU KrIdx leI irx lYx dI bjwie Krcx leIkrzw lYNdy ho, ieh ik ky ik qusIN sYr-spwty leI ieh krzw lYxw cwhuMdy hoqW iPr ies krz rwSI aupr koeI surìKAw kwZz nhIN bnwauxw pvygw[Aijhy hwlqW ivc ieh injI krz khwauNdw hY[2. irx dI rkm quhwfI inXimq AwmdnI aupr inSicq kIqI jwvygI[3. jy hwly q`k irx leI koeI ivSyS sYikEirtI nhIN hovy qW krz Aksr spSkrz khwauNdw hY Aqy ivAwj dI dr surìKAw irx dy kys qoN Aksr au~cIhuMdI hY[ividAk irx :1. qusIN AwpxI pVHweI dy ^rcy leI krzw lY skdy ho[ Aijhy krizAW ivcAksr PIs Awid vI AwauNdy hn qy keI vwr quhwfy hOstl dy rihx dwKrcw Awid vI Swiml huMdw hY[2. qusIN Bwrq jW ivdyS ivc jw ky pVHn leI vI krzw lY skdy ho[jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________171

3. swry bYNk, BwrqI irzrv bYNk dy indySW Anuswr kMm krdy hn Aqy jykr krzydI rkm ^ws sImw ƒ nhIN aulMGdI qw hor surìKAw (isikEirtI) bwry nhINkihMdI[4. Aksr irx dI vwpsI ies FMg nwl aulIkI huMdI hY ik qusIN jdoN AwpxIpVHweI pUrI ^qm hox auprMq kmwauxw SurU krdy ho qW vwpsI AdwiegI AwrMBidMdy ho[Gr KrIdx leI irx (hwauisMg jW hom lon) :1. qusIN mkwn bnwaux vwsqy jW bixAw bxwieAw Gr jW PlYt KrIdx leI irxlY skdy ho[2. bYNk Awm qOr ’qy 0 qoN 20% AgwaU rkm jW guMjwieS Xog rkm dI mMgkrdw hY[3. Awm qOr ’qy quhwƒ bYNk nwl ‘tweItl fIf’ isikEirtI dy rUp ’c jmwkrvwauxI pYNdI hY[ (ijvyN jwiedwd dI syl fIf jW ivkrI ic`TI)4. vwpsI AdwiegI dw smW Awm qOr ’qy lMmw huMdw hY Aqy quhfI vwpsI krn dIsmr`Qw au~pr inrBr krdw hY Aqy ies dy nwl hI quhwfy AwmdnI dIinSicq rkm dy ikMny swl bwkI hn ies qy vI irx inrBr krdw hY[5. ijvyN ik AdwiegI kwl lMmw huMdw hY ies dw quhwfy ivAwj dyx dI rkm au~prbVw Asr pYNdw hY[ ieh vI pqw lgwauxw mh`qvpUrn hY ik bYNk hwauisMgPwienyNs kMpnI iks FMg nwl ivAwj lgw rhI hY[ audwhrx dy qOr ’qy ik kIauh bkwieAw rkm pRiq idn, mhIny jW swl dy ihswb Gtw rhI hY ikauNikbwkI dI ivAwj ausy pRBwv nwl l`gygI[6. Gr leI krzw lYx vwly ƒ AwmdnI tYks kwƒn qihq kuJ tYks rwhqW vIpRwpq huMdIAW hn[172 ______________________________________________________

jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ ..jyb ^rcI sybI (AYs.eI.bI.AweI) Aqy AYn.AweI.AYs.AYm.pwTSwlw dy ividAwrQIAW dy ivc iv`qI swkSrqw vDwaux dwpRmu`K pRogrwm hY[ AsIN isiKAkW ƒ pRiSkiSq krn Aqy korsswmgrI pRdwn krn ivc mdd krdy hW qW jo auh skUlW ivcpYsy dy pRbMDn Aqy aus ƒ vDwaux dI mu`FlI AvDwrxwvW isKwx[iv`qI swkSrqw dI pihl ivc :isikEirtIz AYNf AYkscyNj borf A`wP ieMfIAwplwt nM. sI.4-ey, sybI Bvn, ‘jI’ blOk, bWdrw kurlwkOmpYlks, bWdrw (pUrbI), muMbeI-400051, mhwrwStrw,BwrqPon : +91-22-26449000www.sebi.gov.in………………………………………………………......nYSnl ieMstItXUt A`wP isikEirtIz mwriktplwt nM. 82, AYn.AweI.AYs.AYm. Bvn, (pihlWXU.tI.AweI. hwaUs dy nW nwl jwixAw jWdw sI), sYktr-17vwSI, nvIN muMbeI-400705, mhwrwStrw, BwrqPon : +91-22-27883001www.nism.ac.in……………………………………………………………iv`qI swkSrqw dI pihl ivc :AweI.AYm.AYs. pRoskUl67, jXMq iblfMg, jYn Aspqwl rof, isAOn srkl dynyVy, isAOn- p`CmI, muMbeI – 400022, mhwrwStrw, BwrqPon : +91-22-6528 5393www.imsindia.com/proschooljyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ .._______________________________________________________173

jyb ^rcIjIvn leI AwmdnI sMbMDI pwT_____ ..sybI Aqy AYn.AweI.AYs.AYm. duAwrw skUlI ividAwrQIAW leI jyb ^rcI dwpRogrwm ividAwrQIAW ƒ bcq, iv`qI inXojn Aqy invyS dIAW AvDwrxW smJxivc mdd krn dy audyS vjoN hY[ies pRogrwm dy 8 mwifaUlW ’c hyTly mzmUn Swiml hn :1) bcq Aqy iv`qI inXojn2) bjitMg : loV bnwm ie`Cw [ kmweI Aqy ^rcy3) invyS ikauN4) bYNikMg dI buinAwdI jwxkwrI5) mwrikt dI SbdwvlI6) invyS leI ivklp : Pwiedy Aqy nukswn7) pYsy auDwr lYxw : munwPw Aqy ^qry8) kys stfIz : ivvhwrk audwhrx, sbk Aqy XukqIAW174 ______________________________________________________

Punjabi

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?