Marathi

Jw§VdUwH$sÀm moOZmA{YH$mar dJm©gmR>r

`m nwñVH$mV {Xë`m Jobobr _m{hVr {h, _w§~B© amoIo ~mOma (~m°å~o ñQ>m°H$ EŠgM|O) `m§À`m ìXmao go~rÀ`m A§VJ©V òUmè`mJw§VdUwH$Xma ajU Am{U à{ejU g§ñWm `mVrb g„mJma g{_VrÀ`m _mJ©Xe©ZmImbr V`ma H$aÊ`mV Ambr Amho.OmhraZm_mgo~r g§ñWo H$Sy>Z Am{W©H$ joÌmVrb à{ejU, `m CnH«$_mV \$º$ gm_mÝ` ñVamMr _m{hVr gd©gm_mÝ` OZVog nwa{dÊ`mgAmbr Amho. Oa amoIo H$m`Xm, {Z`_, _`m©Xm, _mJ©Xe©Z na Am{U {d{eï> {Z`_ `m§Mr _m{hVr OmUyZ ¿`md`mMrAgë`mg H¥$n`m www. sebi.gov.in `m g§Ho$V ñWimda ôQ> Úm.àH$meH$^maVr` amoIo Am{U {d{Z_` g§ñWm (go~r)Am°JñQ 2012go~r ^dZßbm°Q> Z§. gr-4-A, "Or' ãbm°H$, ~m§ÐmHw$bm© H$m°åßboŠg,~m§Ðm (nyd©), _w§~B©-400051\$moZ Z§.- 91-22-26449000/40459000/9114\°$Šg - 91-22-26449027 / 40459027B©-_ob - feedback@sebi.gov.in>`m àH$meZmV gd© àH$maÀ`m MwH$m Q>miÊ`mMm, VgoM `mo½` _OHy$a àH$m{eV H$aÊ`mMm à`ËZ Ho$ë`m Jobobm Amho. VargwÜXm gwk dmMH$m§Zm `mV H$mhr MwH$m AmT>ië`mM AWdm Amjonmh© _OHy$a Agë`mg H¥$n`m Amåhmbm darb nÎ`mdaH$i{dÊ`mMr H¥$nm H$amdr. OoUo H$ê$Z nwT>rb Amd¥ÎmrV Ë`mV gwYmaUm H$aÊ`mV òB©b. òWo H¥$n`m bjmV ¿`mdo H$r,àH$m{eV H$Vm© hm nwñVH$mVrc ‘m{hVrÀm AmYmamda hmoUmèm Hw$R>ë`mhr àH$maÀ`m ZwH$gmZrg VgoM nwñVH$mMr _m{hVrdmnê$Z Ho$boë`m H¥$Ë`m§da AWdm {ZU©`m§gmR>r Odm~Xma amhUma Zmhr.`m nwñH$mMr Hw$R>ë`mhr Ad¡Y àH$mao N>mnUr H$ê$ Zò. Hw$R>ë`mhr àH$maÀ`m dmVm©nÌ, grS>r, Q>on `mV `m nwñVH$mMr_m{hVr àH$meH$m§À`m nyd©nadmZJr {dZm Cn`moJmV AmUw Zò. Aem àH$maMr H¥$Ëò H$m`Xoera H$m`©dmhrg nmÌ R>aVrb.2

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1. àñVmdZmàËòH$ KamÀ`m X¥ï>rZo AmOÀ`m H$mimV Am{W©H$ {Z`moOZ Amdí`H$ Pmbo Amho. Am{W©H$ {Z`moOZ ho ~MVrnojm gwÕmH$_mbrMo JaOoMo Pmbobo AmT>iVo. hr EH$ àH$maMr CÔoí`nyU© Jw§VdUwH$ Amho. ~MV Am{U ^{dî`mVrb IMm©H$atVmAgUmar `moOZm. `mMr A{Ve` H$miOrnyd©H$arË`m AW©g§H$ënmV `moOZm Agm`bm hdr. A{W©H$ {Z`moOZ åhUOoAer à{H«$`m Or H$s Vw_Mo gd© bú` `mo½` àH$mao Vw_À`m Am{W©H$ ~m~tMo à~§YZ H$aV nyU© H$aVo. AmOÀ`m H$mimVKa KoUo, _wbm§À`m Mm§Jë`m {ejUmgmR>r ~MV H$aUo qH$dm ñdV…À`m {Zd¥ÎmrgmR>r nyd©`moOZm ~Z{dUo, Ago {H$VrVarAmnë`m OrdZmVrb búò AgVmV.AmOÀ`m H$mimV Vwåhr nmhm, bmoH$ ñdV…À`m AmdmŠ`m~mhoa H$m_ H$aVmV. Ogo H$s H«$o{S>Q> H$mS>m©darb H$O©,H$mhrVar A{Ve` OmoI_rMr Jw§VdUwH$ AWdm A{Ve` ~oOdm~Xma Jmoï>r. Á`m H$s Am{W©H$ {Z`moOZmÀ`m gm_mÝ`{Z`_m§Zm Yê$Z ZgVmV. `m{edm` ~mOmamV òUmao ZdrZ d A{Ve` {H$MH$Q> Am{W©H$ Jw§VdUwH$ àH$ma m§Zm g_OyZKoÊ`mgmR>r Am{W©H$ Vkm§Mr _XV KoUo ^mJ AgVo. VgoM {d{eï> n[apñWVr d ~XbV OmUmar H$aàUmbr `m gd©Jmoï>tgmR>r XoIrb Am{W©H$ {Z`moOZ JaOoMo Amho. Ë`m_wio Am{W©H$ {Z`moOZ Am{U ~mOmamV CnbãY Agbobo {d{dYJw§VdUwH$ {dH$ën `m Jmoï>r g_OyZ KoUo JaOoMo Pmbo Amho.Am{W©H$ {Z`moOZ H$_r doimgmR>rÀ`m qH$dm OmñV H$mimÀ`m ~MVrÀ`m gmR>r A{Ve` Cn`wº$ R>aVo. ~MVrMm EH$^mJ EH$m {d{eï> àH$mamÀ`m g§nÎmrV Jw§V{dë`m OmVmo. `m g§nÎmr àH$mamV {d{dY àH$maMo {dH$ën CnbãY AmhoV.Ogo H$s ~±Ho$Vrb R>odr, emgH$s` ~MV `moOZm, eoAa, å`wÀwAb \§$S>, dr_m, amoIo, F$U amoIo, H§$nÝ`m§À`m R>odr,BË`mXr.Am{W©H$ {Z`moOZ hr ñdV…hþZM KSy>Z òUmar à{H«$`m Zmhr. `m H$arVm BÀN>m d {eñV~ÕVm AgUo Amdí`H$ Amho .Á`m_wio Vwåhr EH$ _moR>o {MÌ nmhÿ eH$Vm H$s, gÜ`m Vwåhr Am{W©H$ ~m~tÀ`m ~m~VrV H$moR>o AmhmV d H$moR>o Agm`bmhdo.4

2. ~MV d Jw§VdUwH$ `m§Mo gm_mÝ` {Z`_Amnbo nmbH$ ~amo~a hmoVo. Vo g_Odm`Mo H$s n¡go PmS>mda CJdV ZmhrV. Ooìhm H$s Vo Xÿgè`m n¡em§da dmT>VmV. `mMg§X^m©V Ago hr EH$ OwZo dmŠ` Amho H$s, “n¡gm ~Z{dÊ`mgmR>r n¡gmM bmJVmo”. n¡emV Ago AmíM`©H$maH$ gm_Ï`© AmhoH$s AOyZ OmñV n¡go ~Zdy eH Vmo Am{U `m H$arVm OmñV n¡emMr JaO bmJV Zmhr.~MV Am{U Jw§VdUwH$ghgm ~MV hr AënmdYrÀ`m H$mimVrb CX²>oí`nyVugmR>r Ho$br OmVo. Vw_Mm n¡gm hm ~MV ImË`mV A{Ve` gwa{jVAgVmo d Ë`mda Vwåhmbm Aën ñdê$nmMo ì`mO XoIrb àmá hmoVo. Vwåhmbm Ooìhm JaO Agob, Voìhm `m ImË`mVyZ n¡goH$mT>Uo XoIrb gmono R>aVo.Vw_À`m XrK©H$mbmdYrÀ`m CÔoenyVugmR>r Vwåhr Ooìhm n¡gm ~mOwbm H$mT>Vm, Ë`mg Jw§VdUwH$ åhUmdo. `m àH$mamV AerH$mhr emídVr ZgVo H$s, Vwåhr Jw§Vdbobm n¡gm dmT>UmaM. Ë`m_wio hr dmñV{dH$Vm Amho H$s, Jw§VdUwH$rMo ‘yë`H$mimZwgma dmT>Uma AWdm Imbr òUma. na§Vw XrKm©dYrV Jw§VdUwH$sVyZ Vwåhr ~MV ImVmÀ`m VwbZoV Zoh_rM nwîH$iOmñV a¸$_ àmá H$ê$ eH$Vm.Vw_Mo Am{W©H$ C{Ôï> nyU© H$aÊ`mgmR>r ~MV qH$dm Jw§VdUwH$ BVH$s _hËdmMr H$m Amho ?Am{W©H$ C{Ôï> nyU© H$aÊ`mgmR>r Ho$bobr ~MV qH$dm Jw§VdUwH$ hr Vwåhmbm H$‘r IM© H$aÊ`mg àd¥Îm H$aVo. na§VwJw§VdUwH$sMm EH$ ^mJ Iyn Mm§Jbm Amho H$s Vw_Mm n¡gm Vw_À`mgmR>r AOyZ n¡gm ~Z{dVmo. Hw$R>bo hr ì`mO qH$dmJw§VdUwH$rVyZ àmá hmoUmam Z\$m, ho Vwåhmbm Vw_À`m Am{W©H$ C{Ôï>m§À`m OdiM ZoUma Am{U `mgmR>r Vwåhmbm \$ma H$mhrH$amdo bmJV Zmhr.bdH$a ~MVrg gwê$dmV H$am. `m_wio Vwåhr {VMm ^{dî`mV JaO Agob Voìhm Cn`moJ H$ê$ eH$mb. _J Vr ~MV ^bo hrKamgmR>r, _wbm§À`m {ejUmgmR>r qH$dm Vw_À`m godm{Zd¥ÎmrgmR>r Agmo. Oa Vwåhr Vw_À`m d`mÀ`m [dgmì`m dfm©nmgyZ~MVrg gwê$dmV Ho$br Va Ëmg IamoIaM Iyn Mm§Jbm àma§^ åhUmdm bmJob. Oa Vwåhr Zmhr Ho$br, Va _J Am`wî`âVmo \$aH$ nH$S>>Ê`mV doi OmB©b. Vê$UmB©g {Z{íMV åhmVmè`m ì`qº$À`m VwbZoV OmñV \$m`Xm AgVmo. H$maU CVmad`mVì`{º$Odi doi H$_r AgVmo. Ooìhm Vê$U dJm©bm `m g§H$ënZoMr OmUrd hmoB©b d Ë`m§À`mOdi {H$Vr OmñV doi Amho,ho C_Job, Va Vo ñdV…À`m ñdßZm§Mr A{Ve` Mm§Jë`marË`m nyV©Vm H$ê$ eH$Vrb Am{U Ë`§mÀ`m Am{W©H$ bú`m§Zm XoIrbàmá H$aVrb.doioMr qH$_VVwåhmbm _m{hVr Amho H$s, {OVH$m OmñV H$mi Vwåhr Jw§VdUwH$ H$amb {VVH$m eodQ>r n¡gm OmñV {_iUma. na§Vw `mÀ`mCbQ> hmoUmao XoIrb gË`M R>aVo. Oa Vwåhr Jw§VdUwH$sgmR>r Wm§~bmV, Va _J Vwåhmbm g§YrMr qH$_V _moOmdr bmJUma,Ago åhUUo \$maM gmono Amho H$s, Vw_À`m Odi ~MV gwê$ H$aÊ`mg AWdm Jw§VdUwH$ H$aÊ`mg nwaogo n¡go ZmhrV. "_rË`mnojm WmoS>m Wm§~oZ, Omo n`ªV _mÂ`mnmer ânya n¡go hmoUma ZmhrV'. na§Vw hr [dMma àUmbrM Vwåhmbm EImÚm doiogOmñV {H$§_V _moOm`bm bmdVo. H$maU H$s, MH«$dmT> nÕV XmoÝhr àH$mao H$m_ H$aVo. AmnU Wm§~bmo H$s, Amnë`mbmA{Ve` N>moQ>çm aH$_oda V`ma hmoUmao MH«$dmT> ì`mO `mbm gwÕm _yH$mdo bmJUma.Vwåhr ñdV…bm Imbrb àíZ {dMmam.gÜ`mÀ`m IMm©§_Yo Vwåhr 10 % H$_r IM© H$ê$ eH$Vm H$m d Vr a¸$_ Vw_À`m ^{dî`mgmR>r H$m_ H$am`bm _moH$ir R>odyeH$Vm H$m ? Oa Vwåhr 10 % ~MV Vw_À`m CËnÞmVyZ ^{dî`mVrb Am{W©H$ bú`m§gmR>r H$mT>Vm AmhmV. Va _J VrAm{W©H$ búò, C{Ôï>o H$moUVr Agm`bm hdrV? OrdZm_Yo H$mhr àmá H$aÊ`mgmR>r ^m½`mnojm OmñV AOyZ H$mhrVarbmJVo. bmoH$m§Zm ho H$im`bm nm{hOo H$s, gd©àW_ Vwåhr ñdV…bmM n¡go Úm. ~MVrMr gd` AmKmS>rda R>odm. `m_wioHo$di ñdßZ Z nmhVm, Vo Ë`m ñdßZm§Mr ^{dî`mV hmoUmar nyV©Vm XoIrb nmhÿ eH$Vrb.EImÚm ì`³VrMo CËnÞ ^bohr H$_r AWdm OmñV AgVo. na§Vw Ë`mVyZ EH$ R>am{dH$ a¸$_ Jw§VdUwH$sgmR>r ~mOybm H$mTy>ZR>odÊ`mg {eñV~ÜXVm bmJVo ho {ZpíMV. `m {eñVrbm Oa Vwåhr gm§^miy eH$boV d EImXr Jmoï> EImÚm doiog {dH$VKoÊ`mMo Q>mibo, Va _J `m ~MV qH$dm Jw§VdUwH$sV Ë`m§À`mgmR>r H$m_ H$aUmè`m n¡embm OmñV doi {_iob. VaXrKm©dYrV Ë`m n¡emMo Iyn Mm§Jbo \$m`Xo gwÕm Ë`m§Zm {_iUma.5

AW©g§H$ënVw_À`m Am{W©H$ {Z`moOZmVrb gd©àW_ nmàr åhUOo AW©g§H$ën. AW©g§H$ën åhUOo Aer à{H«$`m, Or n¡emMm AmoKH$moRy>Z òVmo, Ë`mMr `moOZm, {Z`§ÌU d OmUo `m gdmªZm Xe©{dVmo. Vmo AmnUmg CËnÞmMo gd© ómoV XmIdVmo. VgoMdV©_mZH$mbrZ VgoM ^{dî`H$mbrZ IM© XoIrb XmIdVmo. OoUo H$ê$Z àËòH$ ì`{º$g Ë`mMo Am{W©H$ bú` H$em àH$maonyU© hmoUma `mMr OmUrd H$ê$Z XoVmo. àmW{_H$ ñdê$nmMo AW©g§H$ënmMo C{Ôï> åhUOo, IMm©g a¸$_ {Z`mo{OV H$ê$ZAmnbr ~MV gw{ZpíMV H$aUo.AW© g§H$ënmMo \$m`XoIMm©À`m {d{dY ñVam§da qH$dm {e„H$s¨Zm {Z`§ÌUmV AWdm bJm_ R>odyZ AdmñVd IMm©nmgyZ dmMdVmo.AZno{jV IMm©À`m aH$_oMr AmYrM VOdrO H$ê$Z R>odVmo.{eñV~ÜXVm AmUÊ`mg _XV H$aVmo.EImÚm ì`{º$Mo {Zd¥ÎmrZ§VaMo amhUr_mZ OnÊ`mg _XV H$aVmo.AW©g§H$ënr` `moOZoÀ`m nm`è`mnmàr 1 -nmàr 2 -nmàr 3 -nmàr 4 -nmàr 5 -Vw_Mo EHy$U CËnÞ H$mT>m. `mV Vw_À`m gd© CËnÞmMo ómoV ¿`m, VgoM Jw§VdUwH$ qH$dm AÝ` BVa joÌmVyZòUmao CËnÞ gwÕm ¿`m.Vw_À`m {ZpíMV IMmªMr `mXr H$am. `mV Amdí`H$ IM©, Á`mV Vw_Mo Ka^mS>o, KaJwVr dñVw, H$nS>o,XÿaÜdZr Am{U drOXo`H$, noQ´>mob, JmS>rda aIaImdrgmR>r hmoUmam IM©. `m gJù`§mda {H$Vr a¸$_ IM©hmoVo, Vo nhm.Vw_À`m EHy$U H$Om©Mr a¸$_ {bhm. VgoM ì`mOmgmR>r Úmdo bmJUmao háo XoIrb ¿`m.Vw_À`m AZmdí`H$ IMmªZm gw{ZpíMV H$am. `m `mXrV AZmdí`H$ IM© åhUOo gwÅ>`m§_Ybo {\$aUo,ôQ>dñVw Am{U hm°Q>oëgbm ôQ>r. `m àËòH$mda hmoUmam IM© H$mT>m.Vw_Mr ~MV {H$Vr ho H$mT>m. åhUOo nmàr 2,3 d 4 `mMr EHy$U ~oarO nmàr 1 _YyZ dOm H$am.`m dê$Z Vwåhmbm hmoUmè`m AZmdí`H$ IMm©Mr OmUrd hmoB©b. Vwåhmbm H$mhr doiog Vw_À`mAW©g§H$ënmÀ`m `moOZoV ~Xb XoIrb H$amdm bmJy eH$Vmo. VwQ> ^ê$Z H$mT>Ê`mgmR>r eŠ`Vmo H$O© ¿`m`MoQ>mim Am{U Vw_À`m AW©g§H$ënmÀ`m `moOZobm eŠ` {VVHo$ àm_m{UH$ amhm._hmJmB©Mo Jw§VdUwH$sda hmoUmao narUm_ -Ooìhm Vwåhr Vw_À`m Jw§VdUwH$sMr `moOZm ~ZdVm, Voìhm _hmJmB©Mm Jw§VdUwH$sda hmoUmam n[aUm_ bjmV KoUo Amdí`H$AgVo. A{Ve` àmW{_H$ ñVamda {dMma Ho$bm Va, _hmJmB© åhUOo {H$_Vr dmT>Uo. doioZwgma dñVw§À`m d godm§À`mqH$_Vr Oem dmT>V OmVrb VgVgo n¡emMr qH$_V H$_r hmoV OmUma. H$maU H$s _mJÀ`m dfu EImÚm {ZpíMV aH$_oV OrdñVw Vwåhr {dH$V KoVbr AgUma, VrM dñVw VodT>çmM n¡emV AmVm {dH$V KoUo eŠ` hmoUma Zmhr. åhUOoM n¡emMrqH$_V H$_r Pmbr._mÂ`m Jw§VdUwH$ {ZU©`m§da _hmJmB© H$gm à^md Q>mHy$ eH$Vo ?EH$ dS>m nmd, Omo nmM dfm©nydu 2 ê$n`m§Zm {_im`Mm, VmoM AmVm 7 ê$n`mV Amho. nmdm§Mr g§»`m AWdm JwUdÎmmdmT>br åhUyZ qH$_V dmT>br Amho H$m ? Va CÎma ZmhrM Amho. Va _J, Xa dmT> dS>mnmd V`ma H$aÊ`mV bmJUmè`mdñVw§_Yo Pmbr Amho. Á`m§À`m qH$_Vr _hmJmB© _wio dmT>ë`mV. H$mhr {OÞgm§À`m qH$_VrV Pmbobo ~Xb nmhÿ.{OÞg qH$_V (2001-02) qH$_V (2009-10)gmIa (1 {H$bmo ) 16 40JmoS>oVob ( 5 {bQ>a) 290 500gmoZo (10 J«°_ ) 4474 17,138Mm§Xr ( 1 {H$bmo ) 7868 28,345Vm§Xwi ( 1 {H$bmo ) 14 35noQ´>mob ( 1 {bQ>a ) 33.46 48.83S>rPob ( 1 {cQ>a ) 19.88 36.746

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72 Mm {Z`_AmVm Vwåhmbm ho _m{hVr Amho H$s, MH«$dmT>> nÕVrV, Vw_Mm n¡gm Vwåhr bj Oar Zmhr {Xbo Var ì`dpñWV dmT>V OmVmo.`m gd© àH$mambmM EH$m AWm©Zo 72 Mm {Z`_ åhQ>bm OmVo.J{UVk åhUVmV H$s Vw_Mm n¡gm XþßnQ> {H$Vr doioV hmoVmo, ho nmhÊ`mgmR>r \$º$ 72 bm Ë`mÀ`m ì`mOXamZo ^mJm. g_OmVw_À`m AmOmo~m§Zr Vwåhmbm ` 200 dmT>{Xdgm{Z{_Îm {Xbo Am{U Vwåhr Vo Jw§VdUwH$ H$am`Mo R>adbo. ho n¡go Vwåhrà{Vdf© 6% ì`mO XamÀ`m ImË`mV Jw§Vdbo Va Ë`mMo ` 400 hmoÊ`mg {H$Vr H$mi bmJob ?72 ÷ 6% ì`mOXa = 12 df©åhUOo 12 dfmªZ§Va Vw‘Mo n¡g XþßnQ åhUOo ` 400 hmoUma. nU g‘Om V‘Àm d{S>cm§Zr Vwåhmcm Ago ImVo gm§{JVco,ÁmV à{Vdf© 9 Q>³Ho$ ìmOXa Vw‘Àm n¡emda àmßV hmoB©c. Voìhm {H$Vr H$mi cmJoc n¡go XþßnQ> hmoÊmg>?72 ÷ 9% ì`mOXa = 8 df©AmVm Vw_À`m nmer 8 dfm©VM ` 400 AmhoV. åhUOoM WmoS>m OmñV ì`mOXa àmá H$ê$Z Vwåhr XþßnQ>rH$aUmMm H$mi H$_rHo$bm. d `mV Hw$R>ë`mhr àH$mao OmñVrMm n¡gm bmJbobm Zmhr. Omo H$s Vwåhmbm ImË`mV hr à{H«$`m bdH$a H$aÊ`mgâmdm bmJbm.nU IamoIa 8 df© gwÕm Oam OmñVM H$mi hmoVmo. Oa Vwåhmbm Mma dfm©VM ` 400 hdo AgVrb, Va _J H$m` H$amb?72 Mm {Z`_ Vwåhmbm H$m` ì`mOXamZo a¸$_ XþßnQ> H$ê$Z hdr Amho, Vo gwÕm gm§Jw eH$Vmo. Va _J Mma dfm©H$arVm ì`mOXaam{hb.72 ÷ 4 df© = 18% ì`mOXaVwåhmbm AmVm ho H$ibo Amho H$s, ì`mOXamV WmoS>mgm gwÕm \$aH$ Vw_Mm n¡gm {H$Vr ObXJVrZo H$_r doimV dmT>dyeH$Vmo.doioZwgma n¡emMr qH$_VOgOgm H$mi OmVmo, Vwåhmbm ho Va Z¸$sM OmUdob H$s, Á`m ` 10 V EHo$H$mir g§nyU© XþnmaMo OodU `m`Mo, Ë`mMn¡emV AmVm Ho$di ^mOrMo H$mhr VwH$S>o {_iVmV. åhUOo gÜ`m AgUmè`m ` 1,000 Mr qH$_V nmM dfm©Z§VaAgUmè`m hOma ê$n`m§nojm OmñV Amho. Oar ZmoQ> {VM Amho. Ë`m_wio Oa gÜ`m Vw_À`mnmer n¡gm Agob, Va Vwåhr IynH$mhr H$ê$ eH$Vm. H$maU _hmJmB© Ë`m n¡emMr qH$_V H$mbm§VamZo H$_r H$aV OmVo.`m dê$Z AmnU EH$ A{Ve` _hËdmMr Jmoï> {eH$Vmo H$s, OrdZmV doi åhUOoM IamoIa n¡gm Amho. gÜ`m Vw_À`mhmVmV Agboë`m n¡emMr qH$_V ^{dî`mV VrM am{hb Ago åhUVm òUma Zmhr.9

3 `mo½` Jw§VdUwH$ {dH$ënm§Mo M`Z H$aUo.Jw§VdUwH$ àH$mam§Mo {dH$ën Zoh_r Amnë`m n[apñWVrda VgoM gd©gm_mÝ` ~mOmamÀ`m n[apñWVrda Adb§~yZ amhUma.EImÚm ì`m{º$À`m Jw§VdUwH$sÀ`m JaOm `m Xÿgè`m ì`{º$g bmJy hmoUma ZmhrV. `mo½` Jw§VdUwH$rV VrZ Jmoï>tMm g_ÝdÀgVmo - amoI, gwajm Am{U \$m`Xm.amoI - ho åhUOo Hw$R>ë`mhr Jw§VdUwH$ àH$mamV Agbobm n¡gm ghOarË`m Amnbo IM© ^mJ{dÊ`mgmR>r amoI ñdê$nmVAmUVm òUo eŠ` H$aUo. H$mhr Jw§VdUwH$ `m Zoh_r amoI àH$mamV Agmì`mV. OoUo H$ê$Z AS>MUrÀ`m doir Ë`m§Mm nQ>H$ZCn`moJ H$aVm òUo eŠ` hmoB©b.gwajm - ho Jw§VdUwH$sÀ`m OmoI_r g§X^m©V Amho. A{Ve` dmB©Q> n[apñWVr åhUOo, Jw§V{dbobm g§nyU© n¡gm Kmb{dUo._Ü`_ ñdê$nmMr AdñWm åhUOo CËnÞ Kmb{dUo qH$dm A{Ve` hiy arË`m CËnÞmMr dmT> qH$dm Jw§VdUwH$sMr dmT>._hmJm§B© åhUOo hr EH$ OmoIr_M Amho. {VÀ`m_wio "n¡emMr' {dH$V KoÊ`mMr j_Vm H$_r hmoV OmVo.\$m`Xm - Jw§VdUwH$sVyZ V`ma Pmbobo "CËnÞ' hm EH$ doJimM ^mJ Amho. gwa{jV Jw§VdUwH$ Zoh_r pñWa na§Vw H$_r CËnÞXoVo Am{U OmoIr_ Agbobr Jw§VdUwH$ Iyn OmñV CËnÞ XoB©b AWdm H$mhrM XoUma Zmhr.gÜ`m ~mOmamV {d{dY àH$mamMo AënmdYr qH$dm XrKm©dYrV òUmao Jw§VdUwH$ {dH$ën CnbãY AmhoV. Ë`mn¡H$s H$mhròWo {Xbo AmhoV.Ë`m_wio oWo Jw§VdUwH$sg {ZdS>Ê`mgmR>r {d{dY n`m©` CnbãY AmhoV. òUmè`m nmR>m§_Yo AmnU Ë`m§À`m{df`rOmUUmaM AmhmoV.4. g§nÎmrMo dJuH$aU H$aÊ`mMr `moOZmàËòH$ àH$maÀ`m _mb_ÎmoV OmoIr_ d \$m`Xm amhUmaM. eoAa_Yo Ho$bobr Jw§VdUwH$ hr A{Ve` OmoI_rMr åhUmdrbmJob. H$maU `mV g§nyU© Jw§Vdbobo ^m§S>db H$_r hmoD$ eH$Vo. `m CbQ> emgH$s` amoIm§_Yo Ho$bobr Jw§VdUwH$ OmoIr__wº$ åhUVm òB©b. H$maU H$s AmnU {dídmgmZo åhUy eH$Vmo H$r, emgZ ì`mOXa XoÊ`mV Hw$MamB© H$aUma Zmhr. `mM{R>H$mUr _mb_Îmm dJuH$aU A{Ve` _hËdmMo R>aVo. hr EH$ Aer nÕV Amho H$s, Á`m àH$mao Vwåhr {d{dY àH$mamÀ`m_mb_Îmm§_Yo Vw_À`m CËnÞmZwgma d OmoIr_ KoÊ`mÀ`m eº$rZwgma Jw§VdUwH$ H$ê$ eH$Vm.g§nÎmr dJuH$aU _wbV… VrZ Jmoï>ter g§~§{YV R>>aVo.doi{Zhm` ({ZpíMV H$mbmdYr)Vw_Mr OmoIr_ KoÊ`mMr j_VmVw_À`m d¡æ`{º$H$ Amdí`H$VmVw_Mo d`, amhUr_mZ d H$m¡Qw>§{~H$ O~m~Xmè`m `mZwgma Vw_Mo Am{W©H$ C{Ôïo Zoh_r ~XbV AgVmV. Vw_À`m nw§Orbm{d{dY _mb_Îmm àH$mamV dJuH¥$V H$aV AgVm§Zm ho Ü`mZmV ¿`m H$s, Ë`mVyZ Vwåhmbm `mo½` _mo~Xbm {_iVmo Amho H$sZmhr.ghgm, d`mZwgma Oo dJuH$aU Ho$ë`m OmVo, Ë`mV Or H$mhr a¸$_ eoAa _Yo Jw§Vdm`Mr AgVo. Ë`mV Jw§VdUwH$Xmam§Mo d`nmhUo _hËdmMo AgVo. `mbmM AmYma ~ZdyZ AmnU Ago åhUy eH$Vm H$s "Oa Jw§VdUwH$Xmam§Mo d` OmñV Agob VaË`mMr Jw§VdUwH$ H$_r OmoI_rMr Agm`bm hdr.' ho Oar EH$ {dYmZ Agbo Var, Jw§VdUwH$Xma ñdV…À`m ñd^mdmZwgma`mo½` {ZU©` KoD$ eH$VmV.10

5. ñdV…Mo Am{W©H$ {MÌAm{W©H$ X¥îQ>çm AmnU H$moR>o AmhmoV ho OmUyZ KoÊ`mgmR>r EH$ Am{W©H$ Ahdmb ñdV…Mm ~ZdyZ KoUo A{Ve` Mm§Jbo. OmoH$s AmnUmg {ZpíMV X¥îQrH$moZ XoÊ`mg _XV H$arb. Am{W©H$ Ahdmb åhUOo EImÚm ì`º$rMr EHy$U g§nÎmr {H$Vr dEHy$U XoUr {H$Vr `m§Mm boImOmoIm.bú` gw{ZpíMV H$aUo.Am{W©H$ {Z`moOZmV gdm©V _hËdmMr Jmoï> åhUOo Vwåhmbm H$m` àmá H$amd`mMo Amho. `mMr AmoiI d Ë`m{df`r OmUwZKoUo. n¡gm \$º$ EH$ _mÜ`_ Amho. Oo H$s Vw_À`m BÀN>m, AmH$mem§Zm nyU© H$aV§. EH$Xm H$m Vwåhmbm H$m` hdo Amho, ho{ZpíMV g_Obo H$s _J Vo n«má H$aÊ`mgmR>r `moOZm ~Z{dUo A{YH$ gmo`rMo OmVo.Vw_Mr _mb_Îmm AmoiIm.EH$Xm H$m Vw_Mo bú` gw{ZpíMV Pmbo, H$s _J Vo nyU© H$aÊ`mg Vw_À`mnmer H$em àH$maMr g§nÎmr Amho `mMm AmT>mdmKoUo. g§nÎmrMo dJuH$aU ho Ë`m§À`m amoI d XrK©H$min`ªÝV {Q>Hy$Z amhUmè`m [H§$_VrZwgma H$am`bm hdo. Ho$ìhm Am{U {H$Vrhr g§nÎmr amoI n¡gm C^m H$ê$ eH$Vo, ho AmoiIyZ Ë`m§Mo dJuH$aU H$am. Vw_À`m gd© g§nÎmrMr `mXr ~Zdm Ogo H$s Ka,eoAa _Ybr Jw§VdUwH$, å`wÀwAb \§$S>, _wXV R>od, ~±H$ ImË`mV Agbobr {e„H$ BË`mXr.Vw_Mr XoUr {H$Vr Vo AmoiIm.Vw‘Mr g§nÎmr {H$Vr ho _m{hVr H$aUo Amdí`H$, {VVHo$M Amnbr XoUr {H$Vr AmhoV. ho hr _m{hVr Agbo nm{hOo. `m_wiohr XoUr XoÊ`mH$arVmXoIrb {d{dY Am{W©H$ {dH$ënm§_Yo Jw§VdUwH$ H$amdr bmJVo. Am{U H$mhr g§nÎmr hr CËnÞ dJw§VdUwH$ `mgmR>r R>odmdr bmJVo.^{dî`mVrb g§^mì` CËnÞOoìhm Vwåhr ^{dî`mVrb CËnÞmgmR>r {dMma H$aVm, Voìhm Vwåhmbm H$mhr Jmoï>r J¥hrV Yamì`m bmJVmV. H$mhr J¥hrVYaboë`m Jmoï>r Imbrb à_mUo AmhoV.1) Oa Vwåhr nJmaXma dJm©V _moS>V Agmb, Va Vw_Mm nJma àËòH$ dfu 8% XamZo {Zd¥Îmr n`©ÝV dmT>m`bm hdm.2) emgH$s` Jw§VdUwH$sda 7% ì`mOXa à{Vdfu J¥hrV Yam Am{U eoAa gmR>r hmM ì`mOXa {H$_mZ 12% à{Vdf©Agmdm.darc naVmdo Ho$di Xe©{dÊmH$arVm {Xcoco AmhoV. dmñV{dH$ naVmdo ~mOmamÀm napñWVrZwgma ~Xcw eH$VmV.g§^m{dV ^{dî`mgmR>r IM©òWo nwÝhm Vwåhmbm J¥hrV Yamdo bmJob H$s -XrKm©dYrV _hmJmB© Xa 5 % à{Vdf© Amho.KaJwVr d d¡æ`{º$H$ amhUr_mZmMm IM© ( _Zmoa§OZ, {ejU, {ddmh BË`mXr Yê$Z) IM© ho à{Vdf© 8% XamZo dmT>boV.(_hmJmB© XamÀ`m 3% nojm OmñV)`moOZm_mb_ÎmoVyZ amoI a¸$_oMm ómoV d XoUr XmoKm§Mr gm§JS> KmbUo åhUOo Am{W©H$ {Z`moOZ. Am{W©H$ {Z`moOZmV bú`m§Zm XoUr{d^mJmV Q>mH$bo OmVo. H$maU H$s bú`nyVugmR>r amoI aH$_oMr JaO AgVo. hm {d{dY àH$maÀ`m X¥{ï>H$moZmVyZ Ho$bobm{dMma Amho.CXmhaUmW©g_Om, Vw_À`m _wbrÀ`m Cƒ {ejUmgmR>r n¡go dmMdUo ho Vw_Mo bú` Agob.nmàr 1- gd©àW_ Vw_À`m _wbrÀ`m Cƒ {ejUmgmR>r bmJUmar df© gw{ZpíMV H$am.11

nmàr 2 - gÜ`m {ejUmgmR>r bmJUmar qH$_V bjmV ¿`m. `mMo J{UV åhUOo gÜ`mÀ`m ì`mdgm{`H$ Aä`mgH«$_mgbmJUmao n¡g¡ d Ë`mbm Jw{Ubo Ano{jV _hmJmB© Xa.nmàr 3 - Oa g_Om, gÜ`m ì`dgm{`H$ Aä`mgH«$_mg ` 1,00,000 bmJVmV.` 1,00,000 x 1.05 ^ 12 = ` 1,79,585 BVHo$ n¡go 12 dfm©Z§Va `mM {ejUmgmR>r bmJVrb d `mV 5% à{Vdf©_hmJmB© Xa AmnU Yabm Amho.nmàr 4 - `m Z§VaMr nmàr åhUOo, Ë`m OmUmè`m n¡emMr gÜ`mMr qH$_V H$m` Amho Vo nmhUo. ho H$aÊ`mgmR>r Vwåhmbm^{dî`mVrb [H§$_V ¿`mdr bmJob d Ë`mbm, Vwåhmbm Ano{jV Agboë`m ì`mOXamZo ^mJmdo bmJob.^{dî`mV ` 1,00,000 Mr qH$_V ` 1,79,585 am{hb. ho AmnU daVr H$mT>boM. dV©_mZmVrb qH$_V {OMr AmnU^{dî`mVrb qH$_V H$mT>br.Ë`mda Ano{jV ì`mOXa 8% à_mUo Yabm nwT>À`m 12 dfm©gmR>r ` 1,79,585 / 1.08^12, Omo H$s ` 71,315. åhUOo Vwåhmbm AmOM ` 71,315 Aem Hw$R>ë`m Var _mb_ÎmoV Jw§Vdmdo bmJVrb, Or H$sVw_À`mgmR>r à{Vdf© 8% CËnÞ XoÊ`mg gj_ am{hb. åhUOo _J Vwåhr Vw_À`m _wbrÀ`m gÜ`mÀ`m Á`m {ejUmg` 1,00,000 bmJVmV. VoM Cƒ {ejU 12 dfm©Zr {Vbm XoD$ eH$mb.nmàr 5 - Aer àËòH$ a¸$_ Or H$s ^{dî`mV OmUma Amho Ago Vwåhr J¥hrV Yabo AgUma, Ë`mgmR>r Vwåhmbm Ë`maH$_oMr dV©_mZ qH$_V, VgoM Aer _mb_Îmm Or H$s Vw_Mr ^{dî`mVrb qH$_V gwa{jV H$aob ho nmhÿZ R>odUo JaOoMoAmho. hr à{H«$`m Vwåhr gd© Vw_À`m ^{dî`mVrb bú`m§gmR>r dmnam`bm hdr. Vw_À`m ^{dî`mVrb IMm©gmR>r AmOnmgyZ~MV H$am`bm gwê$dmV H$am. OoUo H$ê$Z Ë`mdoiog Vwåhr Vgm IM© H$ê$ eH$mb.6. ~MV d Jw§VdUwH$sMo {dH$ën / gmYZo~±H$ (BANK)~±H$ _Yrb R>odr hm gJi`mV gwa{jV Jw§VdUwH$ àH$ma Amho. àËòH$ ~±Ho$V ` 1,00,00 n`ªÝVÀ`m R>odr. `m R>odr {d_m d^maVr` h_r `moOZm `m§À`m A§VJ©V òVmV. `m ~±H$ [aPd© ~±Ho$H$Sy>Z {Z`§{ÌV d {ZX}{eV Ho$ë`m OmVmV. Ë`m J«mhH$m§Zm{d{dY àH$maMo Jw§VdUwH$ {dH$ën Ë`m§À`m JaOoZwgma nwa{dVmV. "~±H$ R>odr' amoI d gwa{jVVm `m H$maUm§_wio OmñV ng§XHo$ë`m OmVmV. Ooìhm H$s Ë`mda {_iUmè`m ì`mOXambm Jm¡UËd {Xë`m OmVo. _wXV R>odrda 75-90% n`ªV H$O© XoIrbàmá hmoD$ eH$Vo.R>odtMo àH$ma d Ë`m§Mr d¡{eîQ>ç|~±H$ ~MV ImVo (SAVING ACCOUNT)Agm àH$ma Omo gd©gm_mÝ`nUo gJioM dmnaVmV.H$_r ì`mOXa d amoI VËdmda AgUmao.J«mhH$m§_Yo ~MVrMr gd` ê$O{dÊ`mg àmYmÝ` XoVo.~±H$ [µ\ joX R>odr (BANK FDs)~±Ho$Vrb _wXV R>odrV EH$m {ZpíMV H$mbmgmR>r R>aboë`m ì`mOXamda n¡gm R>odbm OmVmo. (hm H$mbmdYr 30{Xdgm§nojm H$_r ZgVmo)6 Vo 12 _{hÝ`m§À`m _wXV R>odr ghgm H$aVmV. ghm _{hÝ`m§nojm H$_r _wXV R>odrda ì`mOXa H$_r àmá hmoVmo.`mV H$mimMo ~§YZ AgVo. n[an¹$Vonydu n¡go H$mT>bo Va X§S> XoIrb âmdm bmJVmo.AmdVu R>od `moOZm (RECURRING DEPOSIT ACCOUNT)H$mhr R>am{dH$ a¸$_ hr _{hÝ`m§À`m A§VamZo {ZpíMV H$mbmdYrgmR>r O_m Ho$br OmVo.~MV ImË`mnojm OmñV Xa àmá hmoVmo.àËòH$ _{hÝ`mV EH$ {ZpíMV a¸$_ ~MV H$aÊ`mg _XV hmoVo.12

{d{eï> H$mi{Zhm` ~±H$ R>od `moOZmhr H$agdbV XoUmar `moOZm ~±H$m§_Yo CnbãY AgVo.`mV H$a{Z`_ 80 H$ Zwgma H$amV gdbV àXmZ Ho$br OmVo.`mV nmM dfm©gmR>r emgH$s` ~±H$m§Zm Aer `moOZm nwa{dUo ~§YZH$maH$ Amho.emgH$s moOZmH$a ~MV `moOZm*^maV gaH$maZo H$a ~MV `moOZm gwê$ Ho$ë`m AmhoV.amï´>r` ~MV nÌ (NSC)^{dî` {Zdm©h {ZYr (PPF)S>mH$ {d^mJmVrb `moOZm (POS)(SPECIAL BANK TERM DEPOSIT SCHEME)(GOVERNMENT SCHEMES)Jw¨VdUwHŸsVwZ àmá hmoUmao CËnÞ HŸamVwZ dJië`m OmVo d `mV Jw¨VdUwHŸ HoŸboëm `moOZm_Üo HŸmhr CËnÞ EHŸm _`m©XrVHŸaCËnÞmVwZ dJiÊ`mV òVo.amï´>r` ~MV nÌ (NSC)A{Ve` bmoH${à` H$agdbV `moOZm, df©â CnbãY AgVo.ì`mOXa 8%H$_rV H$_r Jw§VdUwH$ ` 100 d `mÀ`m daVr {H$Vrhr. _`m©Xm Zmhr.narn¹$Vm AdYr 6 df©.Zm§_mVarV / hñVm§VarV H$aVm òVo d `m `moOZoda H$O©àmár hmoD$ eH$Vo.^{dî` {Zdm©h {ZYr (PPF)ì`mOXa 8.8% à{Vdf©H$_rVH$_r ` 500 Jw§Vdmdo bmJVmV d OmñVrV OmñV ` 100,000.n[an¹$VoMm AdYr 15 df©.n¡go Jw§VdÊ`mg gwê$dmV Ho$ë`mnmgyZ {Vgè`m Am{W©H$ dfm©V H$O© KoVm òVo. qH$dm n{hë`m dfm©À`m eodQ>r Jw§Vdboë`maH$_oÀ`m 25% H$O©. OmñVrV OmñV 36 hßË`m§_Yo naV H$aÊ`mMr gw{dYm.EImXm ì`{º$ àËòH$ dfu n¡go H$mTy> eH$Vmo ({ebHo$À`m 50% nojm OmñV Zmhr) gmVì`m dfm©nmgyZ àËòH$ dfu n¡goH$mT>Vm oVm.S>mH$ {d^mJmVrb `moOZm (POS)hr H$a~MVrgmR>r gJi`mV Mm§Jbr `moOZm Amho.df©â CnbãY AgVo.S>mH${d^mJmVrb `moOZm, Jw§VdUwH$ àH$ma d n[an¹$Vm AdYr `m§da Adb§~yZ AgVmV. Á`m {H$ Imbrb àH$mao{d^m{OV Ho$ë`m OmD$ eH$VmV._m{gH$ R>od~MV R>odH$mbmdYr R>odAmd{V©V R>odeoAaer g§~§{YV ~MV `moOZm (ELSS){d^m{OV eoAa \§$S> `m àH$mamMrM hr `moOZm, \$º$ `mV U/S 80 C$ À`m A§VJ©V H$a gdbV àmá hmoVo.3 df© n¡gm Jw§VdwZ R>odmdm bmJVmo.bm^m§e hm H$a_wº$ AgVmo.Oa `mMo `w{ZQ> {dH$bo Va XrK©H$mbmdYrV ^m§S>dbmda CËnÞmMm \$m`Xm àmá H$aVm òVmo. Á`mda \$m`ÚmMm H$aâmdm bmJV Zmhr.H$_rV H$_r ` 500 Jw§Vdmdo bmJVmV d daVr `mÀ`m JwUmH$mamÀm ñdê$nmV {H$Vrhr.Jw§VdUwH$Xma nÕVera Jw§VdUwH$ `moOZoMm {dH$ën gwÕm KoD$ eH$Vmo.* Jw¨VdUwHŸaXmamZm ZdrZ HŸa ~MV `moOZm dmMÊmMr gëbm XoVmoo.13

amoIo~§Y (BONDS)amoIo åhUOo {dH$V KoUmè`mZo Omar H$Ë`m©g {Xbobo H$O© d Á`m ~Xë`mV OmarH$Vm© ì`mO XoUma. amoIo~§Y H$§nÝ`m {d{Îm`g§ñWm qH$dm gaH$maH$Sy>Z gwÕm Omar Ho$ë`m OmVmV. {dH$V KoUmè`mbm {dH$Umè`mH$Sy>Z ì`mO àmá hmoVo.amoIo~§YmMo àH$maH$a ~MV amoIo~§YEH$m {ZpíMV Jw§VdUwH$s n`ªÝV H$a~MV amoIo~§Y ‘H$amV’ \$m`Xm àXmZ H$aVmV. ho gd© Ë`m `moOZoV gaH$maZoÁ`màH$mao gyMZm {Xë`m AgVrb Ë`mdaM AmYm[aV AgVo. CXmhaUmW© - H$a {Z`_ H$m`Xm 1961, AÜ`m` 88 À`mA§VJ©V Am¡Úmo{JH$ {dH$mg amoIo~§YmV H$agdbV.H$a {Z`_ H$m`Xm 1961, AÜ`m` 54 B© H$ `m§À`m A§VJ©V Zm~mS>© / Zm` / Ama B© gr amo»`m§_Yo H$agdbV.[aPd© ~±Ho$Mo H$agdbV amoIo~§Y.{Z`{_V CËnÞ amoIo~§Y{Z`{_V CËnÞ ho pñWa CËnÞ {Z`{_VnUo AWdm R>am{dH$ H$mbI§S>mZo X>oVmV. CXm.n¡go XþßnQ> H$aUmao amoIo~§Yì`mO dmT>[dUmao amoIo~§YamoI amoIo~§Ye¡j{UH$ amoIo~§Yn¡gm d¥pÜX§JV H$aUmao amoIo~§YA{V[aº$ gdbV àXmZ H$aUmao amoIo~§YR>iH$ d¡{eîQ>ço`m amoIo~§YmMm XOm© H«$sgrb, BH«$m, Ho$Aa, {\$M BË`mXr g§ñWmH$Sy>Z R>a{dë`m OmVmo. `m amoIo~§Ymda hmoUmao CËnÞ hoË`m amoIo~§YmÀ`m F$UXOm©À`m (gwa{jVVoÀ`m) ì`ñV à_mUmV AgVo.{Z`{_V CËnÞmgmR>r `mo½` ì`mO ghm_mhr, {Ì_mhr qH$dm à{V_mhr à_mUo amoIo~§YmÀ`m àH$mamZwgma àmá hmoVo.ho amoIo~§Y gm_mÝ` ~mOmamV d eoAa ~mOmamV XoIrb CnbãY AgVmV.~mOma_yë` n[an¹$Vog {_iUmè`m CËnÞmda, VgoM n{hbo {_imboë`m ì`mOXa Am{U XOm© `m§da Adb§~yZ AgVo.amoIo~§YmÀ`m ~Xë`mV ~±H$mH$Sy>Z H$O©XoIrb {_iy eH$Vo.H$_rV H$_r Jw§VdUwH$ a¸$_ hr ` 5,000 Vo ` 10,000 §À`m _Yo AgVo.5 Am{U 7 dfm©À`m Amgnmg H$mi Agy eH$Vmo.S>r_°Q> ñdê$nmV XoIrb AmnU `mg R>ody eH$Vmo.F$U~§Y (DEBENTURES)F$U~§YmMr R>iH$ d¡{eîQ>ço{ZpíMV ì`mO àXmZ H$aUmao gmYZ, n[an¹$Vm H$mi ~XbV OmVmo.amoIo~§Ym gmaIoM, na§Vw ho H§$nÝ`m Omar H$aVmV.àm`ìhoQ> H§$nÝ`mH$Sy>Z AmUbo OmVmV. qH$dm R>am{dH$ H$mimV AO© H$amdm bmJVmo.eoAa ~mOmamV Zm|XUr Pmbobo AWdm Z Pmbobohr Agy eH$VmV. Oa Vo eoAa~mOmamV n§Or~Õ Pmbo AgVrb, Va_J Ë`m§Mm XOm© go~r g§ñWo _Yo Zm|XUr Agboë`m EImÚm XOm© R>a{dUmè`m g§ñWoH$Sy>ZM R>a{dëm OmVmo.n[an¹$Vm AdYr gmYmaUV… 3 Vo 10 dfm©Mm Agy eH$Vmo.14

F$U~§YmMo àH$ma{d{dY àH$mamMo F$U~§Y òWo Imbr gm§{JVbo AmhoV.An[adV©Zr` F$U~§Y - g§nyU© aH$_oMo {d_moMZ Omar H$Ë`m©H$Sy>Z Ho$ë`m OmVo.Am§{eH$ n[adV©Zr` F$U~§Y - EH$ ^mJmMo {d_moMZ Am{U EH$ ^mJmMo n[adV©Z eoAa _Yo `mV Jw§VdUwH$Xmam§Zm{dH$ën Agy {H$§dm Zgw eH$Vmo.g§nyU© n[adV©{Z` F$U~§Y - g§nyU© qH$_V eoAa _Yo n[adVuV hmoVo. hr n[adV©Zr` qH$_V Omar H$aVm§ZmM gm§{JVë`mOmVo.H§$nÝ`mÀ`m [ZpíMV _wXV R>odr (BONDS)R>iH$ d¡{eîQ>çoH§$nÝ`mH$Sy>Z ~±H$ R>odr§gmaIrM {ZpíMV _wXV R>odtMr `moOZm àXmZ Ho$ë`m OmVo.ghgm N>moQ>çm Jw§VdUwH$Xmam§H$Sy>Z H§$nÝ`m n¡go KoVmV.Jw§VdUwH$ H$mi {H$Vr, ho nmhUo _hËdmMo AgVo. H$maU H$s Aem _wXV R>odr n[an¹$Vonydu àmá hmoV ZmhrV.~±Ho$À`m _wXV R>odr BV³m øm H§$nÝ`m§À`m R>odr gwa{jV ZmhrV.OmñV OmoIr_ Agë`m_wio ~±H$m§À`m _wXV R>odtnojm OmñV ì`mOXa `mV {_iVmo.gwa{jVVoÀ`mZwgma Ë`m§Mm XOm© R>a{dbobm AgVmo.åwÀwAc ’§$S> (MUTUAL FUND)åwÀwAc ’§$S> nwîH$i Jw§VdUyH$Xmam§H$Sy>Z n¡go Jmoim H$aVmV d Vmo n¡gm Z§Va eoAa ~mOma, amoIo~§Y, AënmdYrMo~mOmamVrc {dH$ën, AÝ àH$maÀm ‘mc‘Îmm AWdm m gd© Jw§VdUwH$ gmYZm§Àm EH${ÌV ñdénmV cmdVmV.g§w³VarËm åwÀwAc ’§$S>mH$Sy>Z Omo n¡gm gm§^miëm OmVmo Ëmg ghgm ImVo (nmoQ>©’$mo{cAmo) Ago g§~moYVmV. àËoH$w{ZQ>‘Yo Jw§VdUwH$Xmam§Mr g‘mZ ‘mcH$s AgVoM, {edm Oo CËnÞ hr g§nyU© a¸$‘ Vma H$aVo ËmVhr AgVo.åwÀwAc ’§$S>mMr R>iH$ d¡{eîR>çoVkm§H$Sy>Z ìdñWmnZ - n¡gm hm Zoh‘r Ëm ’§$S>mÀm à~§YH$m§H$Sy>Z Jw§V{dëm OmVmo.{dH|$ÐrH$aU - {dH|$ÐrH$aU hr EH$ Jw§VdUwH$sMr Aer w³Vr Amho. Ám‘wio g§nyU© n¡gm EH$mM Q>moncrV R>odëm OmVZmhr. Vgohr åhQ>coM Amho H$s, "gd© A§S>r EH$mM Q>moncrV Agmcm ZH$moV'.åwÀwAc ’§$S>mÀm ‘mÜ‘mVyZ eoAaMr ‘mcH$s KoVëm‘wio ñdV…Mo eoAa qH$dm amoIonÌ m§ÀmVrc Or OmoIr‘AgVo Vr {d^mJëm OmVo.ñdñV ‘mÜ‘ - ho ’§$S> EH$mM doiog Iyn eoAa {dH$V AWdm IaoXr H$aV Agëm‘wio Or H$mhr ìdhma qH$‘VAgVo, Vr EImÚm EH$Q>çm ì³VrZo Ho$coëm ìdhmamÀm VwcZoV A{Ve H$‘r oUma.amoI CncãYVm -Ogo eoAa, VgoM åwÀwAc ’§$S>mMo w{ZQ> {dHy$Z cmJcrM amoI a¸$‘ àmßV hmoD$ eH$Vo.gmonrnUm - åwÀwAc ’§$S>mMo w{ZQ> KoUo gmono Amho. nwîH$i ~±H$m Ëm§Mo ñdV…Mo åwÀwAc ’§$S> CncãY H$éZXoVmV d H$‘rV H$‘r n¡gm Jw§V{dÊmMr a¸$‘ XoIrc chmZ AgVo.Jw§VdUwH$Xmam§Zr n¡gm Jw§V{dÊmnydu m gd© ~m~tMm ZrQ> Aämg H$éZM n¡go Jw§Vdmcm hdoV.åwÀwAc ’§$S>mMo àH$maàËoH$ ’§$S>mMo Jw§VdUwH$sMo EH$ nyd©{ZpíMV Ago C{Ôï> AgVo. ÁmV Ëm ’§$S>mMo n¡go, Hw$R>ëm àH$mamV d H$em moOZm§ZrJw§V{dco OmUma ho R>aco AgVo. åwÀwAc ’§$S>mMo Vgo VrZ àH$ma AmhoV.amoIo / eoAa ’§$S>{ZpíMV CËnÞ ’§$S>[dÎmr ~mOma ’§$S>15

gJio åwÀwAc ’§$S,> ho m VrZ àH$maÀm ‘mc‘Îmm àH$mamMrM ñdéno AmhoV. CXm. Ogo amoIo ’§$S> A{Ve doJmZo dmT>VOmUmèm H§$nÝm§‘Yo Jw§VdUyH$ H$aVmV. åhUOo d¥pÜX¨JV ’§$S>, hoM ’§$S> Ooìhm EH$mM joÌmVrc H§$nÝm§‘Yo Jw§V{dVmV,Voìhm Ëmg {d{eï>> ’§$S> Ago åhUVmV.åwÀwAc ’§$S> ho Ëm§Àm n[an³dVm VrWrZwgma Iyco AWdm ~§X m XmoZ àH$mamV {d^mJëm OmVmV.Iyco ’§$S>Aem ’§$S>mMr Hw$R>crhr n[an³dVm VmarI ZgVo.Jw§VdUwH$Xma Iyëm ’§$S>m§Mo w{ZQ> IaoXr AWdm {dH«$s g§nÎmr à~§YZ H$aUmèm H§$nÝmÀm H$mm©cmVyZ qH$dmËm§Àm Jw§VdUwH$ godm H|$ÐmdéZ qH$dm eoAa ~mOmamÀm ‘mÜm‘mVyZ H$é eH$VmV.IaoXr qH$dm {dH«$s ‘yë ho Zoh‘r åwÀwAc ’§$S>mÀm EHy$U ‘mc‘Îmm qH$‘Vrda AYmarV AgVo.R>mam{dH$ H$mimV ~§X hmoUmam ’§$S>ho ’§$S> {d{eï> H$mcmdYrgmR>rM MmcVmV.EH$m n[an³dVm {VWrcm gd© w{ZQ>Mo n¡go naV {‘iVmV d moOZm ~§X hmoVo.mMo w{ZQ> eoAa ~mOmamV Zm|XUr hmoVmV. OoUo H$éZ amoI a¸$‘ nwa{dVm oUo gmono hmoVo.Jw§VdUwH$Xma, mMo w{ZQ> eoAa ~mOmamVrc MT>md-CVmaZwgma {dH$V KoD$ eH$VmV qH$dm {dHy$ eH$VmV.{dÎmr ~mOma ’§$S>AVre H$‘r H$mcmdYrV {ZpíMV CËnÞ XoÊmV oUmèm gmYZm§‘Yo Jw§VdUwH$ Ho$cr OmVo.Oar ’$mXm Iyn OmñV Zgcm, Var ‘wÔc gwa{jV amhVo.ho ~MV ImËmnojm Mm§Jcm cm^ XoVmV. na§Vw ‘wXV R>odrnojm hm cm^ H$‘r AgVmo.amoIo~§Y ’§$S>EH$ pñWa CËnÝZ XoÊmMm àËZ m àH$mamV hmoVmo.Jw§VdUwH$ {h ghgm emgH$s d {dÎmr F$U nÌmV AgVo.Oar ’§$S>mMr qH§$‘V dmT>cr Var, ømMo ‘w» CÔoí åhUOo Jw§VdUwH$Xmam§Zm pñWa n¡gm nwa{dUo hoM Amho.g‘Vmoc ’§$S>gwajm, CËnÞ d ^m§S>dcmV dmT> Agm g‘Vmoc m VrKm§Àmhr g§wº$mZo mV gm§^miÊmV oVmo.moOZm hrM AgVo, H$s {ZpíMV CËnÞ XoUmao {dH$ën d eoAa mV g§wº$nUo Jw§VdUwH$ H$aUo.eoAa ’§$S>Jw§VdUwH$ hr eoAa d amo»m§‘Yo AgVo.åwÀwAc ’§$S>mÀm ‘moR>çm ^mJmMo à{V{Z{YËd H$aVmo.Jw§VdUwH$sMo ‘w» CÔoí XrKm©dYrV ^m§S>dcmMr dmT> d ËmM ~amo~a CËnÞmV XoIrc dmT> H$aUo.{d{dY àH$maMo eoAa ’§$S> AgVmV H$maU H$s, {d{dY àH$maMo J§wVdUwH$ {dH$ën CncãY AgVmV.naamï´>r / Am§Vaamï´>r ’§$S>ho ’§$S> ~mhoa XoemVrc H§$nÝm§Àm eoAa‘Yo Jw§VdUwH$ H$aVmV.joÌr ’§$S>ho ’§$S> AW©H$maUmVrc Ho$di EImÚm joÌmcmM cú ~ZdyZ ËmV Jw§VdUwH$ H$aVmV. Ogo H$s Am{W©H$ joÌm§erg§~§{YV, V§ÌkmZ joÌ, Amamo½ joÌ BËmXr.16

g§doXr gyMH$m§H$ ’§$S>Aem àH$maÀm åwÀwAc ’§$S>mV g§nyU© ~mOmamÀm H$mm©Mm AmT>mdm Amnëmcm KoVm oVmo. ho goZgo³g AWdm{ZpâQ>‘Yo Jw§VdUwH$ H$aVmV.gyMH$m§H$ ’§$S> ~mOmamVyZ {‘iÊmèm ’$mÚmcm Xe©{dVmV d mVyZ Jw§VdUwH$Xmam§Zm A{Ve H$‘r n¡emV ’$s XoD$Z’$mXm ho ’§$S> àmßV H$éZ XoVmV.amoIo (EQUITY)H§$nÝm§Àm ‘mcH$s hŠH$mV, åhUOo gmYmaU d A{Y‘mZ ^mJ nÌmMo YmaH$ hmoÊmV ag XmI[dVmV. eoAa ~mOmamVH§$nZrMo eoAa gd©‘mÝ {H$‘VrV IaoXr d {dH«$s ìdhma H$aÊmg nmÌ AgVmV. Ago eoAa (g‘^mJ) {d{Z‘ g§ñWoVIyco AgVmV.ho eoAa n§Or~Õ Agëm‘wio m§Mo ìdhma åhUOo, IaoXr-{dH«$s BËmXr H$aÊmMr ‘w^m g‘^mJ {d{Z‘ g§ñWm XoVo.^maVmVrc ‘hÎdmÀm g‘^mJ {d{Z‘ g§ñWm§‘Yo ‘w§~B© (BSE) Am{U amï´>r g‘^mJ {d{Z‘ g§ñWm ^maV {c{‘Q>oS>Ámcm (NSE) Ago AmnU OmUVmo. m g§ñWm§Mm ‘w» CÔoí åhUOo g‘^mJm§Àm IaoXr {dH«$sgmR>r ~mOmañWmZnwa{dUo. g‘^mJm§‘Yo Jw§VdUwH$ H$aUo ho ’$maM OmoI‘rMo Amho. mda cj nwa{dÊmg AÝ Jw§VdUwH$s¨nojm {ZpíMVMOmñV doi hdm.XmoZ àH$mao g‘^mJm§‘Yo /amo»`m§‘Üò Jw§VdUwH$ H$aVm òUo eŠ` Amho -EH$Va àmW{‘H$ ñdénmÀ`m ~mOma ‘mÜ`‘mVyZ (OZVogmR>r Ooìhm g‘^mJ Iyco H$aÊ`mV òVmV VoìhmM AmdoXZH$aUo)ZmhrVa Xwæ‘ ~mOma ‘mÜ‘mVyZ (åhUOoM g‘^mJ {d{Z‘ g§ñWoV n§Or~Õ PmëmZ§Va)gd©àW‘ ~mOmamg g‘OyZ ¿`m. H§$nZr H$em àH$mao AmoiImdr qH$dm [VMm eoAa `mo½` qH$‘VrV Amho ho OmUUo Amdí`H$Amho. ’$ŠV WmoS>m Aä`mg, WmoSo {dH|${X«H$aU d `mo½` cj XoUo. `m àH$mao Jw§VdUwH$Xmam§Zm Mm§Jcm ’$m`Xm hmoD$ eH$Vmo.O_m g§ñWoMr à{H«$m(DEPOSITORY SYSTEM)Ooìhm AmnU eoAa _Yo Jw§VdUwH$ H$aVmo, Voìhm AmnUmg gd©àW_ eoAaMo S>r_°Q> ñdê$n g_OUo JaOoMo Amho. H$maU H$sAmOH$mb gd©àH$mamMo eoAa S>r_°Q> ñdê$nmV AgVmV. `m nyduÀ`m àH$mamV eoAa ^m¡{VH$ ñdê$nmV åhUOoMà_mUnÌmÀ`m ñnê$nmV {Xbo Om`Mo. Oo H$s AmVm BboŠQ´>m°{ZH$ ñdê$nmV {Xë`m OmVmV. `m H$aVm AmnUmg `m O_mg§ñWoMr à{H«$`m g_OUo JaOoMo Amho.O_m g§ñWo_Yo Jw§VdUwH$Xmam§Mo eoAa, F$UnÌ, amoIo~§Y, emgH$s amoIo, åwMwAb \§$S>mMo w{ZQ> BËmXr gd© BboŠQ´>m°{ZH$ñdê$nmV Jw§VdUwH$Xmam§Àm AmdoXZm Z§VaM n§Or~Õ O_m emIm§_Yo R>odVm oVmV. m emIm {d{dY àH$maÀmìdhmam§_Yo XoIrb Amnëm godm nwa{dVmV. m§Zm AmnU EImÚm ~±Ho$g_mZM _mZy eH$Vmo. Oo H$s O_mH$Ëm©Mo n¡gogm§^miVmV.gÜm ^maVmV XmoZ O_m g§ñWm H$m_ H$aVmV. Ám H$s go~r g§ñWoV n§Or~Õ AmhoV. EH$ åhUOo amï´>r amoIo O_m g§ñWm(NSDL) Am{U Xþgar _ÜdVu amoIo O_m g§ñWm (CDSL).m O_m g§ñWoÀm dVrZo Oo bmoH$ H$m_ H$aVmV. Ëm§Zm O_m à{V{ZYr Ago åhQ>bo OmVo. m§Àm _mÜ_mVyZMJw§VdUwH$Xmam§Zm godm VgoM Ëm§Àmer g§~§Y àñWm{nV Ho$bo OmVmV. O_m à{V{ZYr åhUyZ OZVm Am{W©H$ g§ñWm, _mÝVmàmßV ìmdgm{H$ ~±H$m, [aPd© ~±Ho$Zo _mÝVm {Xboëm Am§Vamï´>r ~±H$m, eoAa Xbmb, amoIo ajH$ g§ñWm, eoAahñVm§VarV H$aUmao _ÜñVr g§ñWm Á§mZm H$s go~rZo _mÝVm {Xbr Amho. ho H$m_ H$ê$ eH$VmV.AmVm Va Jw§VdUwH$Xmam§H$arVm eoAa _mH}$Q> _Yo qH$dm OZVogmR>r CnbãY hmoUmèm eoAa_Yo Jw§VdUwH$ H$amMrAgëmg àËoH$mbm "h¸$Xmam§gmR>r \$mXoera' Ago Zmd Agbobo ImVo CKS>Uo AmdíH$ Pmbo Amho. Ëm_wio AmåhrXoIrb hoM gyMdw H$s, ImVo AgUo H$Yrhr ìdhmamÀm X¥ï>rZo mo½M Amho.17

^m¡{VH$ arËm eoAaMr IaoXr {dH«$s H$aÊmgmR>r N>moQ>>çm Jw§VdUwH$Xmam§gmR>r (OmñVrV OmñV 500 eoAa Ëm§Mr qH$_VbjmV KoD$Z) EH$ doJir {IS>H$s eoAa g§ñWm nwa{dVo. ÁmV Ago ^m¡{VH$ eoAa {dH$ÊmMr EH$XmM g§Yr m g§ñWoH$Sy>Z {Xbr OmVo d eoAa S>r_°Q> AgUo AmdíH$ Amho. {dH$V KoUmèmbm XoIrb nwÝhm {dH$Êmnydu ho eoAa S>r_°Q>H$ê$Z KoUo AmdíH$ Amho.O_m g§ñWoMo \$mXog_^mJ gm§^miÊmgmR>r.A{Ve gwa{jV d ghO nÕV Amho.VmËH$mi g_^mJm§Mo hñVm§Va eŠ.hñVm§Va Z hmoUo, ImoQ>o g_^mJ, Cera, Mmoar, BËmXr Jmoï>tMr OmoIr_ Zmhrer hmoVo.H$mJXmonÌr ìdhmamMo H$m_H$mO H$_r hmoVo.ìdhmamgmR>r bmJUmèm {H$§_Vr H$_r hmoVmV.EH$m eoAaMm XoIrb ìdhma H$aUo eŠ hmoVo.dmagXma {ZdS>ÊmMr _w^m {_iVo.nÎmm ~Xbbm Var \$º$ O_m g§ñWog gy{MV Ho$bo Var, BVa gd© {R>H$mUr nÎmm ~Xbbm Amho ho gy{MV H$aÊmMr JaOamhmV Zmhr.O_m g§ñWmM g_^mJm§Mo AWdm amo»m§Mo hñVm§Va H$arV Agëm_wio n«Ëj Ëm H§$nÝm§er H$mhrM g§~§Y oV Zmhr.S>r_°Q> ImËmV eoAa O_m hmoUo, bm^m§e, {dJ«h / {dbr{ZH$aU BËmXr Jmoï>r ñd§MbrV hmoV Agëm_wio bjKmbUo AmdíH$ Zmhr.eoAa d emgH$s amoIo~§Y ho EH$mM ImËmV R>ody eH$Vm.bjmV R>odÊmMo _wÔoH$moR>ohr Agbobo N>moQ>o Jw§VdUwH$Xma qH$dm _moR>çm \§$S>m§Mo ìdhma H$aUmao XoIrb EH$mM doir gh^mJ KoD$ eH$VmV.H§$nÝm§Zm n¡gm C^maÊmgmR>r EH$ _hËdmMm ómoV.OZVoer gai ìdhma H$aÊmMr _w^m {_iVo qH$dm ~mOmamV OmD$Z OZVog H§$nZrMo ^m§S>db {dHy$Z ZdrZ OmñVrMo^m§S>db Cô H$aVm oVo.eoAa ~mOmamg ghgm EH$ _hËdmMm gyMH$m§H$ XoemÀm AW©ìdñWoÀm g~brH$aUmV d {dH$mgmgmR>r _mZbo OmVo.~±H$ R>odr qH$dm amoIo~§Y m§Àm VwbZoV eoAaÀm {H$_Vr OmñV MT>-CVma Xe©{dVmV.g_^mJm§_Yo Agbobr Jw§VdUwH$ hr H$mbm§VamZo VnmgUo JaOoMo Amho. OoUo H$ê$Z Vo ~mOmamV {dH$Êmg d¡Y AmhoVH$s Zmhr ho g_OyZ oVo.H$Yr H$Yr AW©ìdñWm d {dÎmr ~mVåm§_wio ~mOma A{dídgZr ìdhma H$aVmo. Ooìhm H$s, Ëm ~mV_rMm eoAaqH$_Vtda àËj H$mhrM n[aUm_ hmoUma ZgVmo.EH$m H$_r H$mbmdYrV eoAa, amoIo mV ~mOmamV KS>Umèm A{Ve ObX KQ>Zm§_wio H$gmhr MT>-CVma oD$eH$Vmo. Ëm_wio ~mOmamMo dV©Z g_OUo A{Ve H$R>rU hmoD$Z ~gVo.Jw§VdUwH$sMo VËdkmZ.àËoH$ Jw§VdUwH$sVrb OmoIr_ AmoiIm.Hw$Qw>§~mÀm AënmdYrVrc d XrKm©dYrVrc JaOm AmoiIm.JaOm§da AmYmarV Jw§VdUwH$ H$am.Vwåhmbm Z g_Oboëm moOZoV Jw§VdUwH$ H$ê$ ZH$m.Ho$di {dídmgmda Jw§VdUwH$ Z H$aVm, gd© g§~§{YV H$mJXnÌ Vnmgm.àËoH$ CËnÞmda H$amMm nS>Umam \$aH$ bjmV ¿m.~mOmamVrb A\$dm qH$dm {_iUmèm gyMZm§da Am§Yim {dídmg R>ody ZH$m.H$mhrnU A{Ve daÀm qH$dm ImbÀm ñVamda Agob Va, ËmMo H$maU AgUmaM. Vo emoYm.Aem moOZm§Mo ~ir nSy> ZH$m, ÁmV ìmOXa {_iob na§Vy _wÔb J_dmdo bmJob.moOZm qH$dm Vo gmYZ ìdpñWV AmoiIyZ _JM Jw§VdUwH$ H$am.18

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R>iH$ d¡{eîQ>çoEImXr ì{º$ OrÀm Odi _mb_Îmm åhUOo Ka BËmXr Amho. na§Vw {Z{_V CËnÝZmMm ómoV Zmhr. Aem doiogAmnbo Ka ~±Ho$nmer qH$dm J¥hH$O© XoUmèm H§$nÝm§nmer JhmU R>odVo. Ëm ~XëmV Vr ~±H$ qH$dm H§$nZr Ëm ì{º$g{Z{_V CËnÞ XoVo.EH$ Jmoï> A{Ve Mm§Jbr Amho H$s, Omo ì{º$ AemàH$mao Amnbr g§nÎmr (Ka) à{VVmaU R>odVmo. Vmo Ëm KamV g§nyU©OrdZâ amhÿ Va eH$VmoM, {edm Vo KaM ËmÀmgmR>r {Z{_V CËnÞ XoÊmMo gmYZ ~ZVo. åhUOo m àH$mamVKaM _mbH$mg {Z{_V CËnÞ nwadVo. na§Vw m àH$mamV EH$Xm H$m Ëm Ka_mbH$mMm _¥Ëw Pmbm AWdm Vmo Ka gmoSy>ZJobm, H$s _J g§nÎmr {dH$ÊmMm A{YH$ma ~±Ho$nmer AgVmo. OoUo H$ê$Z {Xbobo H$O© Vo naV àmá H$ê$ eH$Vrb. OaqH$_V H$Om©nojm OmñV Ambr. Va n¡go dmagXmam§Zm {Xbo OmVmV.à{VVmaUmMo nona ~Z{dÊmgmR>r ^maVmV [aPd© ~±Ho$Zo H$mhr {ZX}e Omar Ho$bo AmhoV.R>iH$ d¡{eîQ>çoHw$R>bmhr Ka_mbH$ Omo 60 dfm©nojm OmñV Amho Vmo ho H$O© àmá H$ê$ eH$Vmo.{Zdmgr g§nÎmrMr Or qH$_V Agob, ËmÀm \$º$ 60% nªVM H$O© àmár hmoD$ eH$Vo.OmñVrV OmñV H$mbmdYr hm 15 dfm©Mm Amho.H$O© KoUmar ì{º$ ËmÀm BÀN>oZwgma EH$X_, à{V_m{gH$, Ì¡_m{gH$, dm{f©H$ H$emhr àH$mao a¸$_ àmá H$ê$ eH$Vo.~±Ho$H$Sy>Z Xa nmM dfmªZr EH$Xm g§nÎmrMr \o$aqH$_V R>a{dbr OmVo.à{VVmaUmVyZ Or a¸$_ àmá hmoV AgVo. Vo H$O© åhQ>ëm OmVo. Ëmg CËnÞ åhUVm oV Zmhr.à{VVmaUmMo Xa {ZpíMV qH$dm A{ZpíMV àH$mamMo AgVmV. åhUyZM ho ìmOXa ~mOmamÀm n[apñWVrda {dg§~yZ~XbV AgVmV. mH$S>o H$O© KoUmèmZo bj R>odUo JaOoMo Amho.amo»m§Àm ~XëmV H$O©g_^mJm§Àm ~XëmV H$O© KoUo, åhUOo ñdV…Àm Jw§VdUwH$sMo ga§jU H$aUoM hmo. VgoM ñdV…Àm JaOm§Mr H$miOrgwÕm KoUo hmo. Aem àH$maMo bmoH$ Hw$R>ëmhr àH$mao AmH$pñ_H$ KQ>Zm§Zm Va Vm|S> XoVmVM {edm eoAa Z {dH$VmM amoIa¸$_ XoIrb C^r H$aVmV. Aem àH$maMo H$O© KoUo VoìhmM ehmUnUmMo R>aVo, Ooìhm Vwåhmbm H$mhr _{hZo AJmoXaM{ZpíMV {H$Vr a¸$_ bmJUma Amho, mMm A§XmO oVmo Am{U Vwåhmbm AJXrM VmËnwaËm H$mimgmR>rM \§$S> hdo AgVrbVoìhmM H$mT>mdo.R>iH$ d¡{eîQ>çoS>r_°Q> eoAa qH$_VrÀm \$º$ 75% Q>¸o$M [aPd© ~±H$ ~±H$m§Zm H$O© XoÊmMr _w^m XoVo. Am{U ^m¡{VH$ eoAaÀm~m~VrV Ëm§Àm qH$_VrÀm 50% Q>¸o$. Var gwÕm ~±H$m Ëm§Àm ñdV…Àm A{YH$mamV amhÿZ H$_r-A{YH$ à_mUmVH$O© XoD$ eH$VmV.~±H$m§nmer _§Owa Ho$ëm Jobobr amo»m§Mr mXrM AgVo. Ám§Àm ~XëmV Vo H$O© XoD$ eH$VmV d hr mXr àËoH$~±Ho$Zwgma doJdoJir Agy eH$Vo. hr mXr doimo-doir ~XbV gwÕm AgVo.åwÀwAb \§$S>m§Àm EHy$U _mb_Îmm qH$_VrÀm AmYmamdaM w{ZQ>Mr qH$_V Agëm_wio ËmÀm ~XëmV ~±H$mH$O© XoVmV.ìmOmMm Xa 14%-18% _Yo AgVmo.àËoH$ ~±Ho$Zwgma à{H«$m \$s d nona IM© 1 Vo 1.5% nªV Agy eH$VmV.H§$nÝm, Zm~m{bH$, g§ñWm, qhXþ EH${ÌV Hw$Qw>§~ qH$dm naamï´>r bmoH$m§Àm Zmdmda Agbobo g_^mJ H$O© àmárÀmAh©VoV oV ZmhrV.H«o${S>Q> H$mS>© H$O©Ooìhm d¡æ{º$H$ H$O© qH$dm AÝ H$Om©Mo _mJ© ~§X Pmbo AgVrb, VoìhmM ghgm hm _mJ© nËH$amdm. H«o${S>Q> H$mS>m©V{_iUmao H$O© Agwa{jV Va AgVoM {edm mda ìmOXa XoIrb Iyn OmñV AgVmo. H«o${S>Q> H$mS>© Amnëmnmer \§$S>ZgVm§Zmhr n¡go IM© H$aÊmMr VmH$X XoVmo. nwîH$i Vê$UdJ© AZmdíH$ Jmoï>tgmR>r mMm dmna H$aVmV d Ëm_wio mMmXþê$nmoJ OmñV hmoVmo.22

H«o${S>Q> H$mS>© H$Om©nmgyZ Xÿa ahm …- nwîH$i bmoH$m§Zm H«o${S>Q> H$mS>© H$Om©nmgyZ AS>MUr CËnÞ hmoD$ eH$VmV. \$º$ H$_rVH$_r n¡go XoUo _hmJmV nSy> eH$Vo d ËmZ§Va Vwåhmbm XrK©H$minªV H$O©\o$S> H$amdr bmJy eH$Vo. gVV Vw_Mo H$O©\o$S>ÊmMm Zoh_r gmVËnyU© àËZ H$am. OoUo H$ê$Z VwåhmbmM Z§Va H$iob H$s, Amnbm {ZU© {H$Vr mo½ Amho.R>iH$ d¡{eîQ>çoH«o${S>Q> H$mS>m©da AmH$mabm OmUmam ìmOXa hm gd© àH$maÀm H$O© àH$mamV OmñV AgVmo. hm ìmOXa 18%-36%dm{f©H$ Agy eH$Vmo.H$O© ho gVV ìmOXa qH$dm XÊS> m _mÜ_mVyZ dgyb hmoVM AgVo. Oa H$m Vwåhr Vw_Mr XoUr ìmO_wº$H$mbmdYrÀm g§nÊm nydu Zmhr âbr, Va _J _mÌ Vwåhmbm IynM OmñV ìmOXa âmdm bmJUma. ho Vw_ÀmH«o${S>Q> H$mS>© H$Om©g H$_r H$ambm IynM ÌmgXmH$ R>aob.nwîH$i H«o${S>Q> H$mS>m©Àm _m©Xm A{Ve H$_r AgVmV. Ëm_wio H$O© dmnaUmam ì{º$ dmñV{dH$VoH$S>o S>moioPmH$H$aVmo H$s, _{hÝmÀm _{hÝmbm ~gUmam ìmOXa H$_r Amho d hoM _J Z§Va Am§Jmer oVo. hr a¸$_ eodQ>r Vw_Àm_yi H$Om©nojm OmñV hmoVo.EH$Va H«o${S>Q> H$mS>© EH$mnojm OmñV KoVm§Zm A{Ve gmdY amhm. VgoM ho {dH$Umao bmoH$ Vw_Mr H$O© _m©Xm dmT>dyZXoÊmMm Zoh_r àËZ H$arV AgVmV. Oar hm H«o${S>Q> H$mS>© àMmamMm ^mJ Agbm, Var mnmgyZ gmdY Agm.A{V[aŠV H$Om©nmgyZ dmMÊmÀm nmèmH$Om©Mr ‘`m©Xm gw{ZpíMV H$am.EH$Va gd©àW‘ {H$Vr H$O© Vwåhmcm nadSy> eHo$c. Vo R>adm. Ë`mZ§Va Vw‘À`m ‘yi H$Om©Mr aŠH$‘ `m aH$‘onojm ImcrAgm`cm hdr.Vwåhr ñdV:M ‘`m©Xm V`ma H$é eH$Vm, H$s àËòH$ YZmXoemÛmao {H$Vr aŠH$‘ H$Om©gmR>r OmB©c. `m‘wio VwåhmcmH$Om©da A{Ve` `mo½` àH$mao {Z`§ÌU R>odVm òB©c d Vw‘Mo H$O© XoIrc dmT>Uma Zmhr.H$Om©Ûmao hmoUmar IaoXr gmdYmZnyd©H$ H$am.Oa Vwåhmcm H$Om©Mr JaO Agoc, Va ‘J gd©àW‘ `mo½` àH$mao Aä`mg H$am. Zoh‘r ho g‘OyZ ¿`m H$s Vwåhmcm H$Om©gmR>r{H$Vr ì`mOXa Úmdm cmJUma Amho d hm ì`mOXa Zoh‘r H$‘r AgÊ`mH$So> H$c R>odm. {edm` hohr nmhUo JaOoMo Amho H$sVwåhmcm {H$Vr H$O© KoUo nadS>Vo Amho. `m‘wio EH$M {ZpíMV hmoB©c H$s Vwåhr ì`mOXamda A{V[aŠV n¡go IM© H$aUmaZmhrV.‘mohmV nSy> ZH$mEH$Xm H$m H§$nÝm§Àm cjmV Amco H$s, Vwåhr WmoSo> H$O© ìdpñWV hmVmiy eH$mc Va Vo cmJcrM Vwåhmcm AmH${f©VmoOZm§Mo nÌ nmR>{dÊmg gwadmV H$aVrc Am{U Oa Vwåhr AmYrM H$moUmH$Sy>Z H$O© KoVco Agoc, Va Vo VwåhmcmAÝ {d{dY àH$maMo H$O© gmYZ nwa{dÊmMo àËZ H$aVrc.Ago gd© H$Om©Mo àH$ma A{Ve ‘mohrV H$aUmao R>é eH$VmV. na§Vw Vwåhr m XcXcrV Z ’$gVm, VoìhmM H$O© ¿m,Ooìhm IamoIaM Vwåhmcm ËmMr JaO Amho.gai n¡go Vw‘À`m ~rcmV dmT>V OmVmVnwîH$i ~±H$m qH$dm H$O© XoUmao ñd§M{cV[aËm Vw‘Àm ImËmVyZ H$mhr n¡gm XoÊmg ‘w^m XoVmV.m àH$mam‘wio Vw‘Mo ~rc Va A{Ve doioda âëm OmVrc. na§Vw Vwåhmcm ~rcmMr a¸$‘ {H$Vr hmoVr d {H$VrMmâUm Ho$ëm Joëm, ho H$iUma Zmhr.23

9. {Zd¥ËVr `moOZmgodm{Zd¥ËV hmoUo hm OrdZmVrc EH$ doJimM A{Ve` ‘hËdmMm Agm ^mJ Amho. {Zd¥ËVr‘Yo XoIrc {Zd¥ËVr`moOZm~Õ Agmdr, hm EH$ doJimM {dMma AgVmo. àËòH$mcmM {Zd¥ËVrMm H$mim em§VnUo gwI`wŠVOmdm AgodmQ>Vo. na§Vw `mo½` `moOZm Agë`m{dZm Ago hmoUo eŠ` Zmhr. n{hë`mnojm AmVm ì`pŠV OmñV {Xdg OJm`cmcmJë`m AmhoV. Or H$s Mm§Jcr Jmoï> Amho. åhUOoM `mMm AW© {Zd¥ËVr n{hco nojm OmñV I{M©H$ Pmcr Amho.Ë`m‘wio n{hcoM `mo½` `moOZm d Am{W©H$ X¥ï>`m g~i amhUo hoM `m d`mn`ªV nmohMVm§Zm AgUo Mm§Jco.godm{Zd¥ËVr {Z`moOZ åhUOo, H$mhr n¡gm ~mOycm H$mTy>Z R>odUo qH$dm Aer g§nËVr Amnë`mnmer AgUo Á`mVyZAmnUmg CVmad`mV CËnÞ àmá hmoB©c. ho gd© {Zd¥ËVrd`mn`ªV nmohMÊ`mÀ`m AmYrM H$éZ R>odm`cm hdo.EH$ cjmV ¿m H$s, Vw‘Mo cúM Vwåhmcm A{Ve Mm§Jco {ZU© KoÊmg ‘XV H$aoc d Ëm‘wio Vw‘Mo ^{dîmVrcOo H$mhr cú amhVrc, Vo gd© Vw‘Àm gÜmÀm Am{W©H$ ~m~tda Adc§~yZ AgUma AmhoV.1. AmYrM gwadmV H$am Am{U em§VnUo godm{Zd¥ËV ìhm. Oa Vwåhr AmVmM åhUOo d`mÀ`m 25 ì`m dfuM ~MVrggwadmV Ho$cr d Vw‘Mr 60ìm dfu {Zd¥ËV hmoÊ`mMr BÀN>m Agoc, Va ‘J Vw‘À`m Jw§VdUH$sMm H$mi 35dfm©Mm Amho. Oa d`mÀ`m 25 ì`m dfu àËòH$ ‘{hÝ`mcm ` 1,000 Vwåhr 6 Q>ŠHo$ MH«$dmT>> nÕVrZo Jw§Vdco,Var Ë`mMo n[an¹$Von`ªV ` 13,80,290 hmoVrc. d hrM gwédmV Oa Vwåhr d`mÀ`m 35 ì`m dfu Ho$cr Va ‘JË`mMo d`mÀ`m 60 ì`m dfm©n`ªV ` 6,79,580 hmoVrc. Xhm dfm©Mm ’$aH$ åhUOo {Zd¥ËVrdoVZ OdiOdiAY} hmoV Amho.2. `moOZm {dÛÎmmnyU©arVrZo H$am - BpñnVimVrc IMmªgmR>r n¡go ~mOycm H$mT>m Am{U {Zd¥ËVrZ§Va AMmZH$òUmè`m IMmªgmR>r gwÕm V`ma Agm. `mM doiocm ‘wcm§Mo {ejU, {ddmh `m§À`mgmR>r gwÕm n¡go Vw‘À`m CËnÞñÌmoVmVyZ ~mOycm H$mT>m.3. Vw‘À`m `moOZoMm ‘mJmodm d nS>VmiUr H$am - Am{W©H$ {Z`moOZmgmR>r Amncr `moOZm R>am{dH$ H$mcmdYrZ§VanS>VmiyZ nhm. OoUoH$éZ Amncr cúò C{Ôï>m§Zm àmá H$aVmhoV H$s Zmhr ho g‘OyZ òB©c. {edm` OmoIr‘,qH$‘V d amoI `m Jw§VdUwH$s¨À`m KQ>H$m§Zm g‘OyZ Z§VaM nmdco CMcm.4. Amnë`m {Zd¥ËVr ~MVrcm ñne© H$é ZH$m. {Zd¥ËVrnydu `m ~MV nw§Org hmV cmdy ZH$m. Oa VwåhrgÜ`mÀ`m JaOm ^mJ{dÊ`mgmR>r `m n¡em§Zm IM© Ho$co Va XrKm©dYrÀ`m H$mimV Vwåhmcm ‘moR>`m n¡emcm ‘wH$mdocmJoc. Ë`m‘wio Vw‘Mr {Zd¥ËVr nw§Or A{Ve` H$‘r hmoB©c.30 dfm©nydu {Zd¥Îmr `moOZm H$em àH$mao am~{dë`m Om`À`m `mMo nmM ‘mJ© {chm.12345Vw‘À`m {Zd¥ËVr`moOZogmR>r Vwåhmcm H$moUË`m nmM Jmoï>r H$amì`mem dmQ>VmV?1234524

Vw‘Mo {Zd¥ËVr ’§$S> V`ma H$aÊ`mgmR>r Vwåhmcm {H$Vr n¡go Jw§Vmd`mg hdo?g‘Om, am‘ Á`mMm ‘{hÝ`mMm IM© ` 10,000 Amho d gÜ`m d` 30df} Amho. hm 60 ì`m dfu {Zd¥ËVr KoD$BpÀN>Vmo. (OrdZ‘mZ 75 df}) Va ‘J {Zd¥ËVrÀ`m doiog Ë`mcm {H$Vr nw§Or cmJoc? Oa gÜ`m Ë`mÀ`m CËnÞmVyZ80Q>ŠHo$ n¡gm Ë`mÀ`m gÜ`mÀ`m IMm©gmR>r cmJVmo Ago AmnU ‘mZco Va?nw§Or Am{U ‘{hÝ`mMr Jw§VdUwH$ ho H$mT>Ê`mgmR>r gd© àW‘ AmnUmg ho H$mT>mdo cmJoc H$s, Vmo {Zd¥ËVrÀ`m d`mVàËòH$ ‘{hÝ`mV IM© {H$Vr H$amdm cmJoc. H$maU H$s gÜ`m Vmo Omo H$mhr IM© H$aVmo Amho, Ë`mMr qH$‘V ^{dî`mV‘hmJmB©‘wio dmT>oc.nmàr 1 - {Zd¥ËVrÀ`m doiog 5 Q>ŠHo$ ‘hmJmB© Xa KoVcm Va Ë`mÀ`m IMm©Mr qH$‘V {H$Vr?{Zd¥Îmr {H$Vr 5 10 15 20 25 30dfm©Zr hmoUmagodm {Zd¥ÎmrÀ`m doiog (12,762.82) (16,288.95) (20,789.28) (26,532.98) (33,863.55) (43,219.42)IM©{Zd¥ÎmrÀ`m doiog (10,210.25) (13,031.16) (16,631.43) (21,226.38) (27,090.84) (34,505.54)àËòH$ _{hÝ`mH$mR>r(80% Amdí`H$Vm)gyMZm - gÜ`mÀ`m IMm©V dmT> hr 30 dfm©Z§Va _hmJmB©g J¥hrV Yê$Z hmoVo Amho.{Zd¥ËVrÀ`m doiog IM© H$‘r H$m? (darc n[apñWVrV 80Q>ŠHo$ nH$Sy>Z)123CËVa AmVmnmgyZ 30 dfm©Zr am‘ {Zd¥ËV hmoV Amho. Ë`m‘wio Ë`mMo ‘{hÝmMo IM© ` 43,219 Am{U 80 Q>ŠHo$ YéZVo ` 34,575.nmàr 2 - Ë`mcm {Zd¥ËVrÀ`m doiog {Z`{‘V ‘m{gH$ IMm©gmR>r {H$Vr nw§OrMr JaO ^mgoc.g‘Om - Jw§VdUwH$sda 7% ì`mOXa (naVmdm) Agocam‘ d`mÀ`m 60 ì`m dfu {Zd¥ËV hmoB©c d Ë`mMo A§Xm{OV OrdZ‘mZ 75 dfm©n`ªV KoVco, Va Ë`mcm 15 df© Ë`mÀ`mIMm©gmR>r n¡go cmJVrc. (75 df© - 60 df©)darc VŠË`mdéZ AmnU Ago åhUy eH$Vmo H$s, Ë`mcm 15 dfmªgmR>r ` 54,26,465 cmJVrc.nmàr 3 - am‘cm nÕVera Jw§VdUwH$ `moOZm (SIP) CKS>md`mMr Amho. Á`mV Ë`mMo Jw§V{dcoco n¡go 30 dfm©À`mH$mimV 10Q>ŠHo$ dm{f©H$ ì`mOXamZo dmT>Vrc. OoUoH$éZ {Zd¥ËVrgmR>r ‘moR>r nw§Or Ë`mÀ`mnmer V`ma hmoB©c. Va ‘J25

hr nw§Or V`ma H$aÊ`mgmR>r am‘Zo àËòH$ ‘{hÝ`mcm {H$Vr énò Jw§Vdmdo?{heo~ -J{UVr` AmH$So>‘moS>tgmR>r Amåhr gd©àW‘ ’$³V ` 10 cmImÀ`m nw§OrMm {heo~ ‘m§S>cm d Ë`mZ§Va Ano{jVnw§OrÀ`m aH$‘oZr AmnU Ë`mcm JwUUma.ì`mO Xa` 10 bmImMr nw§Or H$aÊ`mgmR>r _{hÝ`mbm Jw§VdUwH$ H$amdr bmJUma.df© g§»`m 5 10 15 20 25 306% (14,321.72) (6,125.05) (3,468.51) (2,194.69) (1,471.50) (1,021.18)8% (13,621.38) (5,516.23) (2,943.09) (1,746.24) (1,093.09) (705.41)10% (12,958.11) (4,963.82) (2,489.91) (1,381.24) (804.40) (480.93)12% (12,329.91) (4,463.57) (2,101.14) (1,087.13) (587.47) (324.57)15% (11,449.24) (3,802.02) (1,622.41) (753.54) (362.77) (177.56)darc VŠË`mdéZ AmnU ho H$mTy> eH$Vmo H$s, ` 10 cmImMr nw§§Or ~Z{dÊ`mg Ë`mcm ` 480 ‘{hZm Jww§VdmdocmJVrc. åhUyZ ` 54 cmImgmR>r Ë`mcm 2,592 à{V ‘{hZm Jw§Vdmdo cmJVrc. (54/10) • 480=2592Aä`mg -Vw‘À`m godm{Zd¥ËVr nw§OrMm {heo~ H$am Am{U ‘{hÝ`mH$mR>r cmJUmar Jw§VdUwH$ hr Imcrc VŠË`mÀ`m AmYmaoH$mT>m.1. Vw‘Mo ‘{hÝ`mMo IM© ( )(’$ŠV {heo~mgmR>r òWo IM© AmnU ` 10,000 KoD$. Oa Vo ` 20,000 AgVrc Va ‘J `mcm 2 Zo JwUm)2. Vw‘À`m ‘{hÝ`mH$mR>rÀ`m IMm©gmR>r {Zd¥ËVrÀ`m doiog Agcocr AmdíH$Vm. Oa ‘hmJmB© Xa 5Q>ŠHo$ Agoc Va-df© g§»`mÁ`mZ§Va Vwåhr 5 10 15 20 25 30{Zd¥Îm ìhmb{Zd¥ÎmrÀ`m doiogVwåhmbm IMm©gmR>r (12,762.82) (16,288.95) (20,789.28) (26,532.98) (33,863.55) (43,219.42)bmJUmar a¸$_{Zd¥ÎmrÀ`m doiogVwåhmbm IMm©gmR>r (10,210.25) (13,031.16) (16,631.43) (21,226.38) (27,090.84) (34,575.54)bmJUmar a¸$_(80% Amdí`H$)3. Vw‘À`m {Z`{‘V CËnÞmgmR>r Vwåhmcm {Zd¥ËVrnw§Or cmJUma é.............. VŠVm H«$$.9 darc.26

4. nw§Or V`ma H$aÊ`mgmR>r Vwåhmcm ‘{hÝ`mH$mR>r Jw§VdUwH$ H$amdr cmJoc.J¥{hVYam - Vw‘À`m OmoIr‘ KoÊ`mÀ`m j‘VoZwgma Vwåhr ì`mOXa KoD$ eH$Vm.J{UVr` {heo~mgmR>r, òWo ` 10 cmImÀ`m nw§OrH$arVm {H$Vr Jw§VdUwH$ H$amdr cmJoc ho {Xco Amho. Oa Vw‘MrAmdí`H$Vm 20 cmI Agoc Va ‘J ‘{hÝ`mÀ`m Jw§VdUwH$ aH$‘og 2 Zo JwUm.ì`mO / df© g§»`m ` 10 bmImMr nw§Or H$aÊ`mgmR>r _{hÝ`mbm Jw§VdUwH$ H$amdr bmJUma.df©5 10 15 20 25 306% (14,321.72) (6,125.05) (3,468.51) (2,194.69) (1,471.50) (1,021.18)8% (13,621.38) (5,516.23) (2,943.09) (1,746.24) (1,093.09) (705.41)10% (12,958.11) (4,963.82) (2,489.91) (1,381.24) (804.40) (480.93)12% (12,329.91) (4,463.57) (2,101.14) (1,087.13) (587.47) (324.57)15% (11,449.24) (3,802.02) (1,622.41) (753.54) (362.77) (177.56)10. ìmdgm{H$ hmoÊmgmR>r Am{W©H$ ~m~tMr moOZmìmdgm{H$ ~ZÊmgmR>r d Y§Xm gwé H$aÊmgmR>r VmarM ‘hËdmMr R>aVo. Am{W©H$ ~m~rM ‘hËdmÀm EdT>çm H$aVmAmhoV H$maU H$s, Vw‘Mr gd© ~rc§ d IM© ho ìdgm gwé PmëmnmgyZ mo½ arVrZo R>odÊmg gj‘Vm Amho. hoXe©{dVmV.mV H$mhr ‘hÎdmÀm Jmoï>tMm g‘mdoe Amho.1. Vw‘Àm ñdV…Àm Am{W©H$ JaOm d ìdgmmg AmdíH$ a¸$‘ m§Mm gd©àW‘ mo½ àH$mao A§XmO ¿m. Aerìdgm moOZm ~Zdm, ÁmV Vw‘Mo dmñV{dH$ CËnÞ d IM© ho n{hëm VrZ Vo nmM dfm©Àm AZwe§JmZo ~Z{dcoAmhoV.2. {Z{‘V ZmoH$ar‘Yo H$m‘ H$arV AgVm§ZmM ñdV…Àm ìdgmmgmR>r n¡emMr ~MV H$am. Amnëm nJmamVyZ EH$N>moQ>r a¸$‘ àËoH$ ‘{hÝmcm doJir H$mT>m d {Vcm ìdgmmMm àma§^ hmoÊmnydu hmV cmdy ZH$m.3. Amnëm {‘Ì d ZmVodmB©H$m§Zm Jw§VdUwH$Xma åhUyZ Am‘§{ÌV H$am. {c{IV H$amamZwgma Ëm§Zm Ëm§Mo n¡goìmOmg{hV naV XoÊmMo AmídmgZ Úm qH$dm JaO nS>ëmg ñdV…Àm ìdgmmMr ~mOy Vw‘Àm {‘Ì dZmVodmB©H$m§g‘moa ‘m§S>m.4. Aem àH$mao ñdV…M ñdV…Mo ‘mcH$ ìhm. Amnëm J«mhH$m§er Mm§Jco dV©Z R>odm qH$dm Ago Hw$R>cohr H$m‘ H$éZH$m Ám‘wio VoT> CËnÞ hmoB©c. Aem àH$mao AmoiIr H$aV am{hëmZo d moOZoZwgma H$m‘ Ho$ëmZo Vwåhmcm OmoAZw^d oB©c. ËmVyZ Vwåhr nyU©doi ìmdgm{H$ ìhmc.5. npãcH$ go³Q>a ~±H$mH$S>o H$Om©gmR>r AmdoXZ H$am. ìmdgm{H$m§Zm n¡gm nwa{dÊmMm hm ’$ma ‘moR>m ñÌmoV Amho. ËmH§$nÝm§Zm {d{dY àH$maMo H$O© nwa{dVm§V, ÁmV àmoOo³Q> gmR>r H$O©, ‘wXV H$O©, {Zm©V H$O© BËmXr. àmßV hmoD$eH$Vo m{edm H|$Ð emgZmZr H$mhr moOZm am~{dëm AmhoV. Ogo H$s N>moQ>çm CÚmoJm§Àm {dH$mgmgmR>r g§ñWm(SIDO) Am{U amï´>r N>moQ>çm CÚmoJ g§ñWm {c{‘Q>oS> (NSIC) Ám H$s H$O© gw{dYm, V§ÌkmZ godm Am{U~mOmamer {ZJS>rV AÝ Jmoï>t‘Yo ghH$m© XoVmV.H$mhr g„o d gyMZm1. Vw‘Àm nmer n{hco XmoZ df© Vw‘Mr gd© {~c XoÊmg ânya n¡gm hdm. ‘J Vmo ~MV ImËmVcm Agmo qH$dm H$O©KoVcm Agmo. H$maU Oa J«mhH$m§Zr n¡go doioda {Xco Zmhr, Va Vw‘Mr Vmar Agmdr.2. Ooìhm Vwåhr {‘Ì qH$dm ZmVodmB©H$m§H$Sy>Z H$O© AWdm Jw§VdUwH$ KoVm, Voìhm gd© {c{IV ñdénmV Agy Úm.27

11. ’$gìm moOZm g‘OyZ KoUom moOZm ‘w»Ëdo H$éZ MwH$sÀm ‘mJm©Mm Adc§~ H$éZ am~dëm OmVmV. ÁmV Jw§VdUwH$Xmamcm N>moQ>çm OmoI‘rÀm~XëmV ‘moR>m n¡emMo Am‘rf XmI{dco OmVo. Aem moOZm OwÝm åhUÊmnojm gd©àW‘ Omo n¡gm Jw§V{dVmo Aem§gmR>r,EH$Va Ëm§ÀmM n¡emVyZ AWdm ËmZ§Va oUmèm Jw§VdUwH$Xmam§H$Sy>Z n¡gm C^m H$arV AgVmV. Ooìhm H$s dmñV{dH$ Z’$mH$mhrM H$‘{dëm OmV Zmhr. m moOZm§Zr Om{hamVrV XmI{dcoco ’$mXo, Z’$m ho Ho$di ’$ŠV m moOZm§‘Ycm n¡gmgVV dmT>V am{hcm nm{hOo, OoUo H$éZ moOZm gwé am{hc ømM Ho$di CÔoemZo XmI{dcocm AgVmo.hr g§nyU© à{H«$m Oa Jw§VdUwH$Xmam§Zr n¡go Jw§Vdco ZmhrV. AWdm Ëm§Zm doioda n¡go {Xco ZmhrV, Va ‘J T>mgiVo. ghgmAem moOZm§‘Yo J¡aìdhma hmoÊmAmYrM H$mXoeraarËm H$mÚmMo A{YH$mar hñVjon H$aVmV. H$maU m moOZmMe§H$m KoÊmg dmd R>odVmV qH$dm {d{Z‘ g§ñWm§‘Yo Zm|XUr Zgcoëm g‘^mJm§Mr {dH«$s m§Àm H§$nZr {dñVmaA{YH$mèm§H$Sy>Z Ho$cr OmVo. {OVHo$ cmoH$ mV gh^mJr hmoV OmVmV. A{YH$mèm§Mr ZOa Aem moOZm§da {VVH$sMH$aS>r hmoV OmVo.Aem moOZm H$em AmoiImìmV?m moOZm ghgm, Ago naVmdo ImÌrnyd©H$ XoUma Ám ~mOmamV Xwgèm moOZm XoD$M eH$V ZmhrV. {edmAënmdYrMo naVmdo ho A{dídgZrarËm OmñV qH$dm AZmH$cZr àH$mao pñWa AgVmV. Xwgèm eãXmV A{VeMm§Jco AgVmV {H$, Ámda {dídmgM ~gV Zmhr.m moOZm§Mr eodQ>r JVr H$m?{OVHo$ OmñV Jw§VdUwH$Xma gh^mJr hmoVrc, {VVHo$M A{YH$mèm§Àm ZOaoV øm moOZm oUma.H§$nZr {dñVma A{YH$mar gd© am{hcocm n¡gm KoD$Z Jm~ hmoVmV.m moOZm Ëm§ÀmM à{H«$o‘wio T>mgiVmV. H$maU H$s Jw§VdUwH$sMm doJ H$‘r hmoVmo d H§$nZr Mmc{dUmao {VVŠmà‘mUmV n¡go XoD$ eH$V Zmhr, {OVHo$ Ëm§Zr cmoH$m§Zm ÚmMo AmídmgZ {Xcoco AgVo.~mhoaÀm ~mOmamMo n[aUm‘ XoIrc m moOZm§Zm gmogmdo cmJVmV. AW©ìdñWoV Amcoëm CVaËm H$io‘wio gd©Jw§VdUwH$Xma ^mJe: AWdm g§nyU© n¡gm moOZoVyZ H$mT>VmV. mV Ëm§Zm ZwH$gmZrMr {^Vr ZgVo. Ho$di ~mOmamVpñWaVm ZgëmZo Vo Jw§VdUwH$Xma Ago dmJVmV d ËmMo n[aUm‘ m moOZm§Zm ^moJmdo cmJVmV.12. H$a ~MV {dH$ën{Z‘ 80 C Àm A§VJ©V gyQ>d¡æ{º$H$ H$a ~MV moOZm§‘Yo hr gdm©V à{gÕ moOZm Amho. Oa EImXm ì{º$ hm AmH$amÀm ‘m©XoV oV Agoc Va‘J Vmo m {Z‘mMm ’$mXm KoD$Z ËmÀm CËnÞmdarc H$a ` 1 cmInªÝV H$‘r H$é eH$Vmo. hr gyQ> VoìhmM àmßV hmoVoOa Ëm ì{º$Zo OrdZ {d‘m, ^{dî {Zdm©h {ZYr, åwÀwAc ’§$S>mÀm ELLS moOZm, ~±Ho$‘Yo 5 dfm© nªVMr ‘wXVR>od, amï´>r ~MV nÌ B©ËmXrV Jw§VdUwH$ Ho$cr Agoc AWdm J¥h H$Om©Àm ‘wÔëmÀm Am§{eH$ ^mJmda àmßV hmoVo.OmñVrV OmñV H$a gdcV ‘m©Xm hr ` 1,00,000Mr AgVo.{Z‘ 80 D Àm A§VJ©V gyQ>m {Z‘m§VJ©V Oa ñdV…H$arVm, AWdm ‘wcm§H$arVm, Am{lV AmB©d{S>cm§gmR>r Am{U Am{lV ‘wcm§gmR>r Amamo½ dBpñnVi {d‘m Ho$cm Agoc Va ` 15000 nªV XoIrc gyQ> àmßV hmoD$ eH$Vo. Ooð> ZmJ[aH$m§gmR>r hr ‘m©Xm ` 20,000nªV Amho.28

{Z‘ 80 G Àm A§VJ©V gyQ>amï´>rH¥$V ‘wcm§gmR>r Agcoëm g§ñWm, {dÚmnrR> qH$dm amï´>‘mÝ ‘hËËdmÀm e¡j{UH$ g§ñWm, n§VàYmZ ‘XV ’§$S>,XoUJr g§ñWm §mZm Oa XoUJr {Xcr Agoc, Va CËnÞmdarc H$amV gdcV àmßV hmoVo. {Xcoëm XoUJrÀm 50% a³H$‘H$agdVrV J«mø YaÊmV oVo.{Z‘ 24m {Z‘m§J©V J¥h H$Om©da ’o$S>coëm ìmOmda H$a gdcV àmßV hmoVo, ìmOdarc gdcV hr CËnZmV dmT> Amho Ago‘mZyZM XoÊmV oVo. Vgohr ìmO ho Zoh‘r H$Om©D$ aH$‘oda ’o$S>mdo cmJVo, KoVcoëm dñVwda Zìho. n¡gm hm g§nÎmr {dH$VKoÊmgmR>r Ka~m§YUrgmR>r qH$dm XþéñVr dJ¡ao gmR>r KoVcm OmVmo. n{hcoMr H$Om©D$ a¸$‘ ’o$S>ÊmgmR>r XoIrc ZdrZKoVcoëm H$Om©da ìmO mV AmnU ^é eH$Vm.OmñVrV OmñV H$a gdcV hr ` 1.5 cmImnªV {‘iVo. mV {dH$V KoÊmgmR>r qH$dm XþéñVr gmR>r KoVcocr a¸$‘ hr{XZm§H$ 1 E{àc 1999 cm qH$dm ËmZ§Va KoVcocr Agmdr. {dH$V KoÊmV oUmèm g§nÎmrMm ìdhma qH$dm XþéñVr VrZdfm©Àm AmV hmoUo AmdíH$ Amho. ho Ám Am{W©H$ dfm©V Vwåhr H$O© KoVcoV ËmnmgyZ VrZ df© YamdrV.(dmMH$m§Zm {dZ§Vr Amho H$s, Ëm§Zr gwYmarV {Z‘ dmMmdoV)13. Am{W©H$ CËnmXZm§Mr IaoXrAm{W©H$ CËnmXZo H$moRy>Z ¿mdrV? ({dH$Umao, ‘ÜñVr g§ñWm Am{U Xcmc)‘ÜñVr g§ñWm / Cn{dH«o$Vo - AmB© nr Amo (OZVogmR>r Agcocr àma§{^H$ gdcV) Mo AmdoXZ Xcmcm§‘m’©$V Ho$ëmOmD$ eH$Vo. mMo AmdoXZnÌ Xcmc Am{U {dVaU g§ñWm H$Sy>ZM àmßV hmoVo.Xcmc- {d{dY àH$maÀm godm nwa{dVmV Ogo H$s, g‘^mJm§Mr IaoXr/{dH«$s H$aUo, VgoM F$UamoIo, åwÀwAc’§$S>m§Mo w{ZQ>, AmB©nrAmogmR>r AmdoXZ H$aUo BËmXr ìdhmaB§Q>aZoQ> godm - åwÀwAc ’§$S> Am{U ~±H$m, åwÀwAc ’§$S>m§Àm ìdgmmV AgVmV. Vo åwÀwAc ’§$S> Am{U{dÎmr ’§$S>m§Àm ìdhmamgmR>r B§Q>aZoQ> godm àXmZ H$aVmV.amoIo ~mOma - åwÀwAc ’§$S>m§Àm Ám moOZm {ZpíMV AdYrV ~§X hmoVmV, Ëm§Mo ìdhma m ~mOmam ‘m’©$VMmcVmV Am{U ho Xcmcm§Àm ‘m’©$V XoIrc {dH$V KoVm oD$ eH$VmV.åwÀwAc ’§$S> H§$nZr - Ám moOZm Iwëm ’§$S>mV g‘m{dï> AgVmV. Ëm§Mo w{ZQ> åwÀwAc ’§$S> H§$nZr H$Sy>Z{dH$V KoVm oD$ eH$VmV.XcmcmMr {ZdS> H$er H$amdr ?Xcmc hm Zoh‘r go~r g§ñWoV n§Or~Õ Agcocm Agmdm.amoIo ~mOma Xcmcm§Àm {damoYmV Amcoëm VH«$matMr mXrM Omhra H$aVmV. hr mXr nmhÿZ mo½ Xcmcm§Mo MZJw§VdUwH$Xma H$é eH$VmV.amoIo ~mOmamV Jw§VdUwH$Xma hmoUmÀm nmèmgd© àW‘ ñWmr coIm g§»m åhUOoM n°Z H$mS>© Amnëmnmer Agmdo. ho gd©M Jw§VdUwH$Xmam§Zm AmdíH$ PmcoAmho.ËmZ§Va ~±H$ ImVo Am{U S>r‘°Q> ImVo CKS>m. S>r‘°Q> ImVo ho ghgm ~±H$ ImËmerM g§c¾ AgVo, OoUoH$éZ n¡emMrXodmU-KodmU qH$dm amoIo m§Mo ìdhma gwairVnUo ìhmdo.ho PmëmZ§Va Xcmc {ZdS>m, ‘Ho$ ìhm gr’ nÌH$ âm Am{U ËmZ§Va Xcmc-J«mhH$ H$amamda gøm H$am.Ëm Z§Va Xcmc Vwåhmcm {d{eï> J«mhH$ H«$‘m§H$ XoUma. Ám‘wio Vwåhr ËmMo J«mhH$ AmhmV ho {ZpíMV hmoB©c. Ooìhm H$sn°Z H«$‘m§H$m‘wio ~mOmamV Am{U {dÎmr ìdhmamV Vw‘Mr Jw§VdUwH$Xma åhUyZ AmoiI am{hc.AmVm eoAa ~mOmamV Vwåhr amo»m§‘Yo Jw§VdUwH$ H$aÊmg g‚m AmhmV.29

14. Am{W©H$ {dfm§Àm {ejUmMo ’$mXoAm{W©H$ {ejUmMr JaO XmoZ ^mJm‘wio Amcr.EH$Va d¡æpŠVH$ Am{W©H$ pñWVr Mm§Jcr ZgUo. AmOH$mc VéUmB© Ëm§Àm OrdZ‘mZmda AZmdíH$ IM© H$arVAmhoV. H«o${S>S> H$mS>m©Mo H$O© d OmoIr‘nyU© Jw§VdUwH$ Ëm§ÀmÛmao hmoVo Amho.Xygao åhUOo ~mOmamV oUmar ZdrZ CËnmXZo d H$mhrgo g‘OÊmg H${R>U Aer Am{W©H$ CËnmXZo Ám§Àm H$arVmAW©Vkm§Mr AmdeH$Vm IynM dmT>cr Amho. ~XcV OmUmèm ~mOmamVrc KS>m‘moS>r Am{U ~XcV OmUmao H$amVrc {Z‘ho gd© g‘OÊmgmR>r Am{W©H$ {ejUmMr JaO Amho.AmVm Va emgH$s godm H$aUmam dJ© XoIrc n{hcoÀm nma§nm[aH$ moOZm§H$Sy>Z {Zd¥ËVrÀm X¥ï>rZo mo½ moOZm§H$So> ncQy>cmJcm Amho. Ëm‘wio {Zd¥ËVrÀm~m~VrV XoIrc gwadmVrnmgyZ moOZm H$aUo A{Ve AmdíH$ Pmco Amho.Am{W©H$ {ejUmMo H$mhr ’$mXo -EH$ Mm§Jco Am{W©H$ ^{dî ~Z{dÊmg ‘XV hmoVo. Am{W©H$ gmYZm§Mo ìdpñWV kmZ Zgëm‘wio EImÚm ìpŠVqH$dm Hw$Qw>§~ Ëm§Àm ~MVrMo XrKm©dYrMo cúàmá H$é eH$V Zmhr. Am{U Vo A{Ve noMmÀm Am{W©H$ AS>MUrVgmnSy> eH$VmV.oUmèm Am{W©H$ O~m~Xmèm§gmR>r Vmar H$aVm oVo. Am{W©H$ moOZm ~Z{dVm§Zm oUmèm g§^mì YmoŠm§V qH$dmHw$R>ëmhr AMmZH$ CËnÞ hmoUmèm n[apñWVrgmR>r gmo H$éZ R>odVm oVo.Ám§Zm WmoSo> XoIrc kmZ m joÌm~Ôc AgVo. Vo {d{dY àH$maMo Am{W©H$ {dH$ën KoÊmMm àËZ H$aVmV. na§Vw Ëm§ZrHw$R>ëmhr àH$mao Om{hamVtÀm {di»mV gmnSy>Z MwH$sMo {ZU© ¿mcm ZH$moV.m‘wio Üo gmÜ hmoVo. Am{W©H$ Jmoï>tÀm {ejUm‘wio A{Ve n[aUm‘H$maH$arËm cmoH$ Ëm§À‘m cúàmár nªVnmohMVmV.m‘wio àËoH$ OU O~m~Xma ~ZyZ Ëm§Mm n¡emÀm~m~VrV {eñV~Õ X¥{ï>H$moZ Vma hmoVmo. m‘wio A{V[aŠV IMm©gcJm‘ cmJVmo. ~MVrMr gd OS>Vo d Jw§VdUwH$sg àmYmÝ {‘iVo.~±H$mH$Sy>Z {Xëm OmUmèm H$Omª{dfr Vwåhr A{Ve OmJéH$ hmoVm. VgoM BVa H$O©{dH$Umèm H§$nÝm§Mo CËnmXH$em àH$mao Amho. ho H$iyZ oVo.Vwåhr Vw‘À`m Hw$Qw>§~mgmR>r EH$ Mm§Jco CXmhaU àñVwV H$aVm.n¡emMo à~§YZ, hr H$cm OrdZmVrc BVa Jmoï>tgmR>rhr ’$mÚmMr R>aVo.30

15. Jw§VdUwH$Xmam§Mr gwajm d VH«$ma {ZdmaU nÕVJww§VdUwH$Xmam§Mr gwajm^maVr amoIo {d{Z‘ ~moS©> (go~r) mMr ñWmnZm ‘yimV ^maVr amoIo ~mOmamV Jw§VdUwH$Xmam§Àm {hVmMr gwajmH$aÊmÀm CÔoemZo Pmcr Amho.go~r gd© H$m©aV ‘ÜñVtZm qH$dm amoIo ~mOmamer {ZJS>rV ìpŠV§Zm Jw§VdUwH$Xmam§Àm gwajm X¥{ï>H$moZmVyZ {ZX}eOmar H$é eH$Vo qH$dm ~mOmamÀm {dH$mgmÀm X¥{ï>Zo AmkmnÌ gwÕm Omar H$é eH$Vo.go~rZo "Jw§VdUwH$Xmam§Mr gwajm d {ejU ’§$S>' `m ZmdmZo EH$ `moOZmM 2009 À`m {Z`‘m§VJ©V Jw§VdUwH$Xmam§À`mgwa{jVVog ~i {‘imdo `m CÔoí`mZo gwé Ho$cr.e¡j{UH$ H$m©emioV n[aMMm©, à{ejU, emoY à~§Y d àH$meZ ‘w»Ëdo Jw§VdUwH$Xmam§Àm {hVmgmR>r Ho$co OmVo.d¥ËVnÌ, BcoŠQ´>m°{ZH$ àgma‘mÜ`‘o `m§À`m ghmæ`mZo Jw§VdUwH$Xmam§gmR>r OmJ¥Vr A{^`mZo am~{dcr OmVmV.~moS>m©H$Sy>Z ‘mÝ`Vmàmá, Jw§VdUwH$ ‘oimdo, Jw§VdUwH$Xmam§gmR>r {ejU d OmJ¥Vr H$m`©emim `m§Zm ’§$S> nwa{dco OmVmV.~moS>m©H$Sy>Z ‘mÝ`Vmàmá Jw§VdUwH$Xma g§ñWm§Zm amoIo ~mOmamV n§Or~Õ amoIo qH$dm Oo n§Or~Õ hmoUma AmhoVAem§H$[aVm H$m`Xoera ~m~r Jw§VdUwH$Xmam§Mo {hV OnÊ`mgmR>r nmhÊ`mMr nadmZJr {Xcr OmVo."Jw§VdUwH$Xma gwajm ’§$S>' `mMr ñWmnZm {d{Z‘` g§ñWm§H$Sy>Z Ho$ë`m Jocr Amho. OoUoH$éZ ’$gì`m H§$nÝ`m§{déÕJw§VdUwH$Xma Anrc H$é eH$Vrc.g^mgX, Jw§VdUwH$Xma m§ÀmV {d{Z‘ g§ñWm§H$Sy>Z gwg§dmX gmYÊmMm àËZ Ho$cm OmVmo.Jw§VdUwH$Xmam§Àm VH«$ma {ZdmaU nÕVrgo~r d amoIo {d{Z‘` g§ñWm§Zr Jw§VdUwH$Xmam§À`m VH«$mar cdH$amV cdH$a {ZH$mcr H$mT>Ê`mgmR>r VH«$ma{ZdmaU g§ñWmñWmnZ Ho$ë`m AmhoV.Jw§VdUwH$Xmam§Zm Ëm§Àm VH«$mar H$aVm mìmV åhUyZ, EH$m {d{eï> B©‘ocMr gwÕm ìdñWm gd© amoIo g§ñWm, n§Or~ÕXcmc, Cn Xcmc, O‘m g§ñWm d n§Or~Õ H§$nÝm m§Zr H$amdr Ago {ZX}e go~r H$Sy>Z {Xëm Joco AmhoV.amoIo ~mOmamVyZ CX²^dUmèm VH«$matMo {ZdmaU H$aÊmgmR>r go~rZo {d{eï> àH$maÀm VH«$ma{ZdmaU nÕVtMm Adc§~Ho$cm Amho.go~rÀm ‘w§~B© ‘w»H$mm©c Am{U Ëm§Mo àm§Vr H$mm©co Oo H$s {X„r, MoÞB©, H$mocH$ËVm d Ah‘Xm~mX m{R>H$mUr AmhoV. VoWo Vwåhr gd© H$m© {Xdgm§‘Yo A{YH$mèm§er gai ôQy>Z Amnëm VH«$mar, JmèhmUo Zm|Xdy eH$Vm dËm g§X^m©V mo½ g„o qH$dm H$m©dmhrMo ‘mJ© m§ÀmH$Sy>Z OmUy eH$Vm. H$mhr {d{eï> {Xder Vwåhr go~rÀm CƒA{YH$mèm§Zm XoIrc ôQy> eH$mc.31

^{dî mVrc Am{W©H$ {ejU H$m ©emim m ImcrcàH$mam§gmR>r CncãY AmhoV.emioVrc {dÚmWu‘hm{dÚmc`rZ {dÚmWu‘Ü`‘dJu` CËnÞ JQ>{Zd¥ËVr moOZmJ¥{hUtgmR>rñd‘XV JQ>qH$dmamoIo ~mOmamer {ZJS>rV Hw$R>ëmhr Imcrc {dfm§daAm°’$a S>m°Šw‘|Q> H$go dmMmdo.amoIo g§ñWm§Àm ‘mÜ‘mVyZ àmW{‘H$ ~mOmamV Jw§VdUwH$ H$er H$amdr.amo»m§‘Ü‘o ìdhma H$gm H$amdm. mMr Jw§VdUwH$Xmam§gmR>rMr Jwé{H$„rS>r‘|Q> ImVo d O‘m g§ñWmåwÀwAc ’§$S>mV H$m H$amdo d H$m ZmhreoAaMr ’o$aIaoXr VgoM amo»m§Mr An§Or~ÕVmEH${ÌV Jw§VdUwH$ moOZm - H$m H$amdo d H$m ZmhrZdrZ Vm~m KoÊmÀm g§X^m©Vrc A{Y{Z‘Jw§VdUwH$Xmam§Àm VH«$mar - àíZ H$go gmoS>dmdoV.H¥$nm Amåhmcm {chm go~r. : feprogram@sebi.gov.inqH$dmdJ© n«_wIJw§VdUwH$Xma OmJ¥Vr {d^mJgo~r ^dZßcm°Q> Z§. gr4-A, Or ãcm°H$,~m§Ðm-Hw$cm© H$m°åßco³g,~m§Ðm (nyd©)‘w§~B©-400 051’$moZ … + 91 022 26449111.Jw§VdUwH$ Ëm§Mr VH«$ma go~rH$S>o Zm|Xdy eH$VmV. : https://scores.gov.inJw§VdUwH$Xma Hw$R>ëmhr _XVrgmR>r go~rer g§nH©$ gmYy eH$VmV. : asksebi@sebi.gov.in35

g§nH$m©gmR>r ^maVmVrc go~rMr H$mm©co‘w» H$mm©cgo~r ^dZßcm°Q> Z§. gr4-E "Or' ãcm°H$, ~m§Ðm-Hw$cm© H$m°åßco³g, ~m§Ðm (nyd©) ‘w§~B©-400051.XÿaÜdZr H«$. +91-22-26449000 / 40459000 / 9114 / ’°$³g H«$. +91-22-26449016-20/40459016-20B©-‘oc … sebi@sebi.gov.in(‘hmamï´>, ‘ÜàXoe, N>{ÎmgJT>, Jmodm, Xrd, X‘Z, XmXam Am{U ZJa hdocr)hoën cmB©Z 1800 22 7575 / 1800 266 7575CÎma jo{Ì H$mm©c5dm ‘mim, ~±H$ Am°’$ ~S>moXm {~ëS>tJ,16, g§gX ‘mJ©, Zdr {X„r-110 001XÿaÜdZr … +91-11-23724001-05/’°$³g … +91-11-23724006B©-‘oc … sebinro@sebi.gov.in(hamZm, {h‘mMc àXoe, Oå‘y d H$mpí‘a, n§Om~, CÎma àXoe,M§XrJS>, CÎmamI§S> d {X„r)X{jU jo{Ì H$mm©cAmodagrg Qm°dg©, 7dm ‘mim,756-Ec, AmÊUm gcmB©, MoÞB©-600 002XÿaÜdZr … +91-44-28880222/28526686 ’°$³g … +91-44-28880333B©-‘oc … sebisro@sebi.gov.in(Am§Y« àXoe, H$Zm©Q>H$, Ho$ai, Vm‘riZmSy>, nm°S>|Moar, cj{Ûn,Am{U ‘rZrH$m° ~oQ>o)nyd© jo{Ì H$mm©cEc A°ÊS> Q>r M|~g©, {Vgam ‘mim, 16, H$m‘mH$ ‘mJ©,H$mocH$Vm- 700 017XÿaÜdZr … +91-33-23023000/’°$³g … +91-33-22874307B©-‘oc … sebiero@sebi.gov.in(Amgm‘, {~hma, ‘{Unya, ‘oKmc, ZmJmc°ÊS>, Amoargm,npíM‘ ~§Jmc, AéUmMc àXoe, ‘rPmoam‘, {Ìnwam, {g¸$s‘, PmaI§S>,A§X‘mZ Am{U {ZH$mo~ma ~oQ>o)npíM‘ jo{Ì H$mm©cw{ZQ> Z§. 002, Vi ‘Ocm, gmH$ma - 1,Jm§YrJ«m‘ aoëdo ñQ>oeZÀm Odi, Zohé nwcmÀm g‘moa, Aml‘ amoS>,Ah‘Xm~mX-380 009XÿaÜdZr … +91-079-26583633-35/’°$³g … +91-079-26583632B©-‘oc … sebiwro@sebi.gov.in(JwOamV Am{U amOñWmZ)‘mo\ V [dVaUmH arVm

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