Embed Size (px)
DESCRIPTION
Employee Service Policy
Citation preview
lsi6 a}+s lnld6]8
sd{rf/L ;]jf zt{ / ;'ljwf ;DjGwL ljlgodfjnL, @)^%
s]Gb|Lo sfof{no
cgfdgu/, sf7df8f}+
0
lsi6 a}+s lnld6]8
sd{rf/L ;]jf zt{ / ;'ljwf ;DjGwL ljlgodfjnL, @)^%
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf (! n] lbPsf] clwsf/ k|of]u u/L lsi6 a}+s lnld6]8sf] ;+rfns
;ldltn]] g]kfn /fi6« a}+ssf] :jLs[lt lnO b]xfosf ljlgodx? agfPsf] 5 .
kl/R5]b – !
k|f/lDes
!= ;+lIfKt gfd / k|f/De M -!_ oL ljlgodx?sf] gfd ælsi6 a}+s lnld6]8sf] sd{rf/L ;]jf zt{ / ;'ljwf
;DjGwL ljlgodfjnL, @)^%Æ /x]sf] 5 .
-@_ of] ljlgodfjnL lsi6 a}+s lnld6]8sf] ;+rfns ;ldltn] kfl/t u/L g]kfn /fi6« a}+sn]
:jLs[lt k|bfg u/]sf] ldltb]lv nfu" x'g]5 . *
@= kl/efiff M ljifo jf k|;+un] csf]{ cy{ gnfu]df o; ljlgodfjnLdf,–
-s_ æP]gÆ eGgfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# ;Demg'k5{ / ;f] zAbn] k|rlnt
a}+s tyf ljQLo ;+:yf ;DaGwL P]gdf ePsf] ;+zf]wg;d]t hgfpF5 .
-v_ æa}+sÆ eGgfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# adf]lhd sfd sf/f]af/ ug{
;+:yflkt lsi6 a}+s lnld6]8 ;Demg'k5{ .
-u_ æ;ldltÆ eGgfn] a}+ssf] ;+rfns ;ldlt ;Demg'k5{ .
-3_ æcWoIfÆ eGgfn] a}+ssf]] ;ldltsf] cWoIf ;Demg'k5{ .
-ª_ æsfo{sf/L k|d'vÆ eGgfn] a}+ssf] b}lgs sfd sfo{jfxL ;'rf? ?kn] ;+rfng ug{ ;ldltn]
lgo'Qm u/]sf] k|d'v sfo{sf/L clws[t ;Demg' k5{ / ;f] zAbn] a}+ssf] sfo{sf/L k|d'vsf]
?kdf sfd ug]{ sfo{sf/L cWoIf jf sfo{sf/L lgb]{zs jf sfo{sf/L ;+rfns jf k|jGw
;+rfns jf dxfk|jGws jf ;f] kbdf /xL sfdsfh ug]{ cGo kbflwsf/L dWo] s'g} Ps
kbflwsf/LnfO{ hgfpF5 .
-r_ æsfof{noÆ eGgfn] a}+ssf] s]Gb|Lo sfof{no / ;f] dftxtsf ljefu jf sfof{no ;Demg' k5{
/ ;f] zAbn] zfvf, pk–zfvf, k|zfvf, O{nfsf, k|ltlglw, ;Dks{ sfof{no nufotsf cGo
sfof{no ;d]tnfO{ hgfpF5 .
-5_ æljefuÆ eGgfn] a}+ssf]] s]Gb|Lo sfof{no cGtu{t /xg] ljefu jf O{sfO ;Demg'k5{ .
* g]kfn /fi6« j}+sjf6 :jLs[lt k|fKt ePsf] ldlt M =======================
1
-h_ æljefuLo k|d'vÆ eGgfn] s'g} ljefu jf OsfO{sf] k|d'v eO{ sfo{ ug{ clwsf/ k|fKt clwsf/L
;Demg'k5{ .
-em_ æsfof{no k|d'vÆ eGgfn] s]Gb|Lo sfof{no dftxtsf ljefu jf sfof{nosf] k|d'vsf] ?kdf
sfo{ ug{ clwsf/ k|fKt clwsf/L ;Demg'k5{ .
-`_ ækbk"lt{ ;ldltÆ jf ædfgj ;+;fwg ;ldltÆ eGgfn] o; ljlgodfjnLsf] ljlgod (
adf]lhd ul7t ;ldlt ;Demg'k5{ .
-6_ ækbÆ eGgfn] o; ljlgodfjnLsf] cg';"rL–! adf]lhdsf] sd{rf/Lsf] s'g} kb ;Demg'k5{ .
-7_ æsfof{Tds kbÆ eGgfn] s'g} klg sd{rf/Lsf] lghn] ug'{ kg]{ sfdsf] k|s[ltsf] cfwf/df
lgwf{/0f u/]sf] kb ;Demg'k5{ .
-8_ æ;+:yfut kbÆ eGgfn] axfnjfnf sd{rf/Ln] cfˆgf] bfloTj k"/f ug{ lghn] axg ug'{ kg]{
lhDd]jf/L tyf sfo{sf] cfwf/df tf]lsPsf] kb ;Demg'k5{ .
-9_ æ;]jfÆ eGgfn] a}+ssf] s'g} kbdf axfn /xL ug]{ jf u/]sf] ;]jf ;Demg' k5{ / ;f] zJbn]
:jLs[t ljbfdf a;]sf] sd{rf/Lsf] ;]jf cjlw ;d]tnfO{ hgfpF5 .
-0f_ ælgo'lQm lbg] clwsf/LÆ eGgfn] ljlgod * adf]lhdsf] lgo'lQm lbg] clwsf/L ;Demg'k5{ .
-t_ æclVtof/ k|fKt clwsf/LÆ eGgfn] s'g} vf; p2]Zosf] nflu ;ldlt jf sfo{sf/L k|d'vn]
clwsf/ lbO{ tf]s]sf] jf lgo'Qm u/]sf] JolQm jf u7g u/]sf] pk–;ldlt ;Demg'k5{ .
-y_ æsd{rf/LÆ eGgfn] a}+ssf]] ;]jfdf /x]sf ;a} >]0fLsf :yfoL sd{rf/L ;Demg'k5{ / ;f] zJbn]
Hofnfbf/L tyf s/f/df lgo'Qm AolQm afx]ssf k/LIf0fsfn tyf k|lzIffyL{sf ?kdf lgo'Qm
sd{rf/L ;d]tnfO{ hgfpF5 .
-b_ æ:yfoL sd{rf/LÆ eGgfn] a}+ssf] :yfoL b/aGbLdf o; ljlgodfjnL adf]lhd :yfoL
sd{rf/Lsf] ?kdf lgo'Qm ePsf] AolQm ;Demg'k5{ .
-w_ ætnjÆ eGgfn] eQf tyf cGo ;'ljwf afx]ssf] tnj :s]n adf]lhdsf] /sd ;Demg'k5{ /
;f] zJbn] aflif{s ?kdf a[l4 x'g] tna /sd ;d]tnfO{ hgfpF5 .
-g_ ætna :s]nÆ eGgfn] ;ldltn] ;do ;dodf tf]s]sf] sd{rf/Lsf] tna dfg ;Demg'k5{ .
-k_ æeQf÷;'ljwfÆ eGgfn] tna afx]ssf] cGo ;Dk"0f{ eQf ;'ljwfx? ;Demg'k5{ .
-km_ æcfly{s jif{Æ eGgfn] s'g} klg jif{sf] >fj0f ! ut] z'? eO{ c;f/ d;fGtdf ;dfKt x'g] !@
-afx|_ dlxgfsf] ;dofjlw ;Demg'k5{ .
-a_ æjif{Æ eGgfn] lj=;+= cg';f/ a}zfv ! ut]b]lv z'? eO{ ;f]xL jif{sf] r}q d;fGt;Ddsf] cjlw
;Demg'k5{ .
kl/R5]b – @
;f+u7lgs ;+/rgf tyf sd{rf/Lsf] lgo'lQm
#= ;f+u7lgs ;+/rgf M a}+ssf] ;f+u7lgs ;+/rgf ;ldltn] ;do ;dodf tf]s] adf]lhd x'g]5 .
$= b/aGbL Joj:yf M a}+ssf] ;]jfsf] kbsf] b/aGbL ;ldltn] ;do ;dodf tf]s] adf]lhd x'g]5 .
2
% >]0fL tyf kb ljefhg M -!_ a}+ssf sd{rf/Lx?sf] kbnfO{ b]xfo adf]lhdsf] >]0fLdf ljefhg ul/Psf] 5M–
-s_ Joj:yfksLo >]0fL,
-v_ clws[t >]0fL
-u_ ;xfos >]0fL,
-3_ ;xof]uL >]0fL .
-@_ pk–ljlgod -!_ adf]lhdsf >]0fL cGtu{tsf kbx?sf] gfdfs/0f cg';"rL–! df pNn]v eP
adf]lhd x'g]5 .
^= sd{rf/Lsf] k|sf/ M -!_ a}+sdf lgDg k|sf/sf sd{rf/Lx? x'g]5g\ M–
-s_ :yfoL sd{rf/L M :yfoL sd{rf/Lsf] ;]jfsf] zt{, sfo{ tyf lhDd]jf/L o; ljlgodfjnL
cg';f/ lgwf{/0f ul/]g]5 .
-v_ k/LIf0fsfnLg÷Joj:yfkg k|lzIffyL{÷;xfos k|lzIffyL{ M k/LIf0fsfnLg÷ Joj:yfkg
k|lzIffyL{+÷;xfos k|lzIffyL+{sf] lgo'lQmsf] zt{, k/LIf0fsfn, k|lzIf0f cjlw, ;'ljwf, cjsfz
cflb zt{x? sfo{sf/L k|d'våf/f to x'g]5.
-@_ k/LIf0fsfndf lgo'lQm ePsf] sd{rf/LnfO{ lghn] k/LIf0fsfn cjlwdf ;Gtf]ifhgs sfd
u/]df dfq o; ljlgodfjnL adf]lhd :yfoL lgo'lQm lbOg]5 .
-#_ pk–ljlgod -!_ sf] v08 -s_ / -v_ df h'g;'s} s'/f n]lvPsf] eP tfklg a}+ssf] s'g} kbdf
s/f/df sfd nufpg cfjZos 7fg]df sfo{sf/L k|d'vn] lglZrt ;dosf] nflu pko'Qm JolQmnfO{ lgo'Qm ug{
;Sg]5 . s/f/df lgo'Qm x'g] JolQmsf]] ;]jf cjlw, kfl/>lds, ;]jf ;'ljwf, / ;]jfsf zt{ s/f/gfdfdf pNn]v
eP adf]lhd x'g]5 .
&= sd{rf/Lsf] lgo'lQm M -!_ a}+ssf] sfo{sf/L k|d'vsf] lgo'lQm ;ldltn] k|rlnt P]g / lgodfjnLsf] clwgdf /xL
ug]{5 . cGo l/Qm kbx?df gofF lgo'lQm jf a9'jf k|lqmofåf/f k"lt{ ul/g]5 .
-@_ a}+snfO{ cfjZos sd{rf/L lgo'lQm jf a9'jfsf] nflu l;kmfl/z ug{ ljlgod ( adf]lhd Ps
dfgj ;+;fwg ;ldltsf] u7g x'g]5 . ;f] dfgj ;+;fwg ;ldltn] o; ljlgodfjnL adf]lhd cfjZos +k|lqmof
k"/f u/L sd{rf/Lsf] gofF lgo'lQm jf a9'jfsf] gfdfjnL lgo'lQm lbg] clwsf/L ;dIf l;kmfl/z ug]{5 .
*= lgo'lQm lbg] clwsf/L M o; ljlgodfjnL cg';f/ a}+ss]f l/Qm b/aGbLsf] kbdf sd{rf/L lgo'lQm jf kbk"lt{ ug]{
clwsf/ sfo{sf/L k|d'vnfO{ x'g]5 . o;/L lgo'lQm jf kbk"lt{ ubf{ dfgj ;+;fwg ;ldltsf] l;kmfl/zdf ug]{5 .
(= dfgj ;+;fwg ;ldltsf] u7g M -!_ dfgj ;+;fwg ;ldltdf b]xfo adf]lhdsf ;b:ox? /xg]5g\ M–
-s_ gfoj dxfk|jGws – ;+of]hs
-v_ sDkgL ;lrj – ;b:o
-u_ ;xfos dxf k|jGws – ;b:o
-3_ sfo{sf/L k|d'vn] tf]s]sf] ljefusf] k|d'v – ;b:o
3
-ª_ k|zf;g ljefusf] k|d'v – ;b:o ;lrj
-@_ dfgj ;+;fwg ;ldltsf] k|zf;sLo sfd k|zf;g ljefun] ug]{5 .
-#_ pk–ljlgod -!_ cg';f/ ul7t dfgj ;+;fwg ;ldlts]f s'g} ;b:osf] a9'jfsf] xsdf eg]
lgh dfgj ;+;fwg ;ldltdf pkl:yt /xg kfpg] 5}g / lghsf] ;§fdf cfjZostf cg';f/ sfo{sf/L k|d'vn]
csf]{ AolQmnfO{ ;f] ;ldltdf /xL sfdsfh ug]{ u/L tf]Sg ;Sg]5.
!)= dfgj ;+;fwg ;ldltsf] sfd, st{Jo / clwsf/ M dfgj ;+;fwg ;ldltsf] sfd, st{Jo / clwsf/ b]xfo
adf]lhd x'g]5 M–
-s_ a}+sdf l/Qm /x]sf kbx? k"lt{ ug{ 5gf}6sf] k|lqmof, l/Qm kbk"lt{sf] k|ltzt / k|ltof]lutfsf]
lsl;d lgwf{/0f ug]{,
-v_ v'Nnf k|ltof]lutfåf/f k"lt{ ug'{kg]{ kbsf] nflu lj1fkg ug]{, kl/Iff lng] / cGt{jftf{ u/L
5gf}6 ul/Psf pd]b\jf/x?nfO{ lgo'lQmsf] nflu sfo{sf/L k|d'v ;dIf l;kmfl/z ug]{,
-u_ a9'jfåf/f k"lt{ ug]{ kbsf nflu ;]jfdf /x]sf ;DefAo pd]b\jf/x?sf] o; ljlgodfjnLdf
Aoj:yf eP adf]lhd a9'jfsf cfwf/ cg';f/ d"NofÍg u/L a9'jfåf/f kbk"lt{ ug{ sfo{sf/L
k|d'v ;dIf l;kmfl/z ug]{, /
-3_ sfo{sf/L k|d'vn] ;do ;dodf tf]s]sf] dfkb08 tyf a:t'ut cfwf/df kb cg';f/sf]
;'k/Lj]Ifs, cg'df]bgstf{ / k'g/fjnf]sg ;DaGwL Joj:yf u/L cfjZos sd{rf/Lx?sf]
sfo{;Dkfbg d"NofÎg ljj/0f tof/ u/L To:tf] ljj/0f aif}{ lkR5] eg{ nufO{ ;DalGwt
;'k/Lj]Ifs, cg'df]bgstf{ / k'g/fjnf]sgstf{sf] l;kmfl/z ;lxt k]z ug]{ Joj:yf ldnfO{
a9'jfsf] clen]v cWofjlws /fVg] .
!!= kbk"lt{ M -!_ a}+ssf] l/Qm /x]sf] kbk"lt{ sfo{ ;Dkfbg d"Nof+sg, v'Nnf k|ltof]lutf / cfGtl/s
k|ltof]lutfTds kl/Iffåf/f k"lt{ ul/g] kbsf] ;+Vof dfgj ;+;fwg ;ldltn] lgwf{/0f u/] adf]lhd x'g]5 .
-@_ pk–ljlgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg a}+ssf] nflu vf; of]Uotf / cg'ej
xfl;n u/]sf] JolQm cfjZos 5 egL dfgj ;+;fwg ;ldltn] l;kmfl/z u/]df sfo{sf/L k|d'vn] s'g}klg kbsf
nflu v'Nnf k|ltof]lutfTds kl/Iffåf/f kbk"lt{ ug{ :jLs[lt lbg ;Sg]5 .
!@= kl/Iffsf] lsl;d / 5gf}6 M -!_ a}+ssf] kbk"lt{ ug{ lnO{g] kl/Iff b]xfo adf]lhd x'g]5,M–
-s_ v'nf k|ltof]lutfTds kl/Iff .
-v_ cfGtl/s a9'jf k|ltof]lutfTds kl/Iff .
-@_ pk–ljlgod -!_ sf] v08 -s_ adf]lhd lnO{g] v'Nnf k|ltof]lutfTds k/LIffsf] dfWod b]xfo
adf]lhd s'g} jf ;a} x'g]5 M–
-s_ lnlvt,
-v_ k|of]ufTds,
-u_ cGtjf{tf{ .
-3_ pTs[i6 pDd]bjf/sf] 5gf}6 -Talent Hunt_
4
-#_ s'g kbsf] nflu s:tf] k|ltof]lutf u/fpg] / s'g k|sf/sf] kl/Iff lng] eGg] ljifosf] lgwf{/0f
kbsf] sfo{ k|s[lt tyf cfjZostfsf] cfwf/df dfgj ;+;fwg ;ldltn] ug]{5 .
-$_ clGtd 5gf}6 ubf{ lnlvt kl/Iff, k|of]ufTds kl/Iff, cGtjf{tf{ dWo] s'gdf slt slt cÍsf]
ef/ lbg] eGg] ;DaGwdf o; ljlgodfjnLdf pNn]v eP adf]lhd dfgj ;+;fwg ;ldltn] lgwf{/0f ug]{5 .
!#= lj1fkg M -!_ a}+ssf] l/Qm /x]sf] kbdf v'nf k|ltof]lutfåf/f kbk"lt{ ubf{ /fli6«o :t/sf] b}lgs klqsfdf
sDtLdf !% lbgsf] cjlw tf]sL cfj]bgsf nflu lj1fkg k|sfzg ug'{ kg]{5 .
-@_ lj1fkg ubf{ k"lt{ ug'{kg]{ kbsf] ;+Vof, >]0fL, cfjZos Go"gtd z}lIfs of]Uotf, cg'ej,
kl/Iffsf] lsl;d, pd]/sf] xb, b/vf:t lbg] clGtd ldlt tyf ;f] ;DjGwL cfjZos cGo s'/fx? To:tf]
lj1fkgdf v'nfpg' kg]{5 . lj1fkg u/L k|fKt x'g cfPsf lgj]bgx?nfO{ dfgj ;+;fwg ;ldltn] Pp6f dfkb08
tf]sL ;f]xL cfwf/df cfjZos 5gf}6 u/L 5gf}6;"rL -Shortlisting) df k/]sf pDd]bjf/x?sf] aLrdf
k|ltof]lutfTds kl/Iff ;~rfng ul/g]5 .
!$= kf7\oqmd M kbn] ;Dkfbg ug'{ kg]{ sfo{sf] k|s[ltsf] cfwf/df lnlvt tyf k|of]ufTds kl/Iffsf] kf7\oqmd dfgj
;+;fwg ;ldltn] lgwf{/0f ug]{5 .
!%= pd]/sf] xb M a}+ssf] l/Qm kb gofF lgo'lQmåf/f k"lt{ ubf{ b]xfosf >]0fLx?sf sd{rf/Lsf nflu pd]/sf] tNnf] /
dflyNnf] xb b]xfo adf]lhd x'g]5 M–
-s_ Aoj:yfksLo >]0fL M @% aif{ k'/f eO{ $) aif{ ggf3]sf]
-v_ clws[t >]0fL M @! aif{ k'/f eO{ #% aif{ ggf3]sf]
-u_ ;xfos >]0fL M !* aif{ k'/f eO{ #) aif{ ggf3]sf]
-3_ ;xof]uL >]0fL M dfgj ;+;fwg ;ldltn] lgwf{/0f u/] adf]lhd .
t/ a}+ssf] s'g} sfdsf] nflu geO gx'g] ljz]if k|fljlws 1fg jf lzk jf sfo{bIftf ePsf] ePsf] JolQmnfO{
lgo'QmL ug{ pQm Joj:yfn] jfwf k'/\ofPsf] dflgg]5}g .
!^= cfjZos Go"gtd z}lIfs of]Uotf M dfgj ;+;fwg ;ldltsf] l;kmfl/zdf k|To]s kb jf >]0fLdf lgo'lQmsf] nflu
rflxg] Go"gtd z}lIfs of]Uotf sfo{sf/L k|d'vn] ;do ;dodf tf]Sg ;Sg]5 . ;ldlt jf lgo'lQm lbg]
clwsf/Låf/f lgwf{l/t Go"gtd z}lIfs of]Uotf grflxg] egL lg0f{o u/]sf] cj:yfdf afx]s xfn k|To]s >]0fLsf]
kbdf v'nf k|ltof]lutfåf/f gofF lgo'lQm ubf{ cfjZos Go"gQd z}lIfs of]Uotf cg';"rL @ df pNn]v eP
cg';f/ x'g]5M .
!&= lgo'lQmsf] nflu cof]Uotf M b]xfosf] s'g} klg JolQmnfO{ a}+ssf] ;]jfdf lgo'Qm ul/g] 5}g M–
-s_ c7f/ jif{sf] pd]/ gk'u]sf],
-v_ zf/Ll/s Pj+ dfgl;s ?kdf czQm,
-u_ a]OdfgL, /sdsf] b'?kof]u / rf]/Lsf] cf/f]k nflu g]kfn ;/sf/ jf s'g} ;+ul7t ;+:yfsf]
;]jfaf6 avf{:t ul/Psf],
-3_ cbfntaf6 g}lts ktg b]lvg] kmf}hbf/L cleof]udf ;hfFo kfPsf],
5
-ª_ g]kfn /fi6« a}]+ssf] :jLs[ltdf ;ldltn] to u/]sf zt{sf] cfwf/df lgo'lQm x'g] afx]ssf cGo
lab]zL gful/s,
-r_ g]kfn /fi6« a}+sn] hf/L u/]sf] lgodg tyf lgb]{zg cg';f/ a}+ssf] s'g} kbdf lgo'Qm x'g
cof]Uo x'g] egL tf]s]sf] JolQm,
-5_ a}+ssf] ;]jfaf6 eljiodf cof]Uo egL x6fOPsf] JolQm /
-h_ cfjZos Go"gtd z}lIfs of]Uotf k'/f gu/]sf] JolQm .
!*= lg/f]lutfsf] k|df0fkq k]z ug'{kg]{ M lgo'lQmsf nflu l;kmfl/z ePsf] pd]b\jf/n] :jLs[t lrlsT;saf6 :jf:Yo
k/LIf0f u/fO{ lg/f]lutfsf] k|df0fkq k]z u/]kl5 dfq lghnfO{ lgo'lQmkq lbO{g]5 .
!(= k/LIf0fsfn M -!_ v'Nnf k|ltof]lutfåf/f gofF kbk"lt{ ubf{ sDtLdf ^ dlxgf b]lv ! jif{sf] k/LIf0fsfndf
/flvg]5 .
-@_ k/LIf0fsfndf /x]sf] sd{rf/Lsf] ;]jf ;Gtf]ifhgs gb]lvPdf k/LIf0fsfnsf] cjlw ^
dlxgf;Dd yk ug{ ;lsg]5 / o;/L yk ePsf] k/LIf0fsfn cjlwdf klg sfd ;Gtf]ifhgs gePdf ;]jfaf6
x6fpg ;lsg]5 .
-#_ :yfoL x'g] of]Uotfsf] lgwf{/0f ;'kl/j]Ifs clws[t /÷jf sfo{sf/L k|d'vn] tf]s]sf] pRr
:t/Lo clws[taf6 ul/Psf] sfo{ ;Dkfbg d"NofÍg k|ltj]bg adf]lhd x'g]5 .
-$_ k/LIf0fsfndf /x]sf] s'g} sd{rf/LnfO{ lgo'lQm lbg] clwsf/Ln] lghsf] sfo{ ;Dkfbg d"NofÍg
k|ltj]bg ;Gtf]ifhgs ePdf dfq lghnfO{ :yfoL lgo'lQm lbg]5 .
-%_ gofF lgo'lQm kfpg] sd{rf/Ln] :yfoL lgo'lQm kfPkl5 lghsf] k/LIf0fsfndf /x]sf] cjlw klg
:yfoL ;]jfsf] cjlwdf u0fgf ul/g]5 .
-^_ k/LIf0fsfndf sfo{/t sd{rf/Lx?n] u/]sf] sfo{ ;Dkfbgsf] cfjlws ?kdf d'Nof+sg ul/g]5
/ k/LIf0fsfndf /x]sf] s'g} sd{rf/Ln] pTs[i7 sfo{ ;Dkfbg ul//x]sf] 5 eGg] nfu]df dfgj ;+;fwg ;ldltsf]
l;kmf/L;df To:tf] sd{rf/LnfO{ k/LIf0fsfn ;dfKt x'g' cufj} klg :yfoL lgo'QmL lbg ;lsg]5 .
@)= s/f/df lgo'lQm M -!_ a}+ssf] s'g} vf; sfd jf kbsf] lgldQ ljz]if bIftf ePsf] JolQmnfO{ Ps
k6sdf ! jif{df ga9fO{ sfo{sf/L k|d'vn] s/f/df lgo'lQm ug{ ;Sg]5 . s/f/df lgo'Qm JolQmn] kfpg]
kfl/>lds ;'ljwf / ;]jf zt{ s/f/df pNn]v eP adf]lhd x'g]5 .
-@_ a}+ssf] s'g} ljz]if of]Uotf ePsf sd{rf/L o; ljlgodfjnL adf]lhd cjsfz k|fKt ubf{
lghsf] sfd ;DxfNg] a}+sdf csf]{ s'g} of]Uo sd{rf/L geO{ lgh g} laz]if ?kdf pko'Qm ePdf yk @
jif{;Ddsf] nflu sfo{sf/L k|d'vn] lghnfO{ s/f/df lgo'lQm ug{ ;Sg]5 .
-#_ g}lts ktg b]lvg] kmf}hbf/L cleof]udf bf]ifL 7xl/Psf] jf e|i6frf/ ;DaGwL cleof]udf
avf{:t ePsf] JolQmnfO{ pk–ljlgod -!_ / -@_ adf]lhd s/f/df lgo'Qm ug{ ;lsg] 5}g .
@!= zkyu|x0f M z'? lgo'lQm x'g] sd{rf/Ln] cfˆgf] sfo{ef/ ;DxfNg'eGbf klxn] lgo'lQm lbg] clwsf/L ;dIf o;
ljlgodfjnLsf] kfngf ug{ d~h"/ u/]sf] lnlvt 3f]if0ff ug'{ kg]{5 / cg";'rL – # adf]lhdsf] 9fFrfdf ;xL u/L
kb tyf O{dfGbf/Ltf / uf]kgLotfsf] zky lng' kg]{5 .
6
@@= j}olQms ljj/0f M -!_ a}+ssf] sfo{sf/L k|d'vn] k|To]s sd{rf/Lsf] j}olQms ljj/0f tof/ ug{ nufO{ k|zf;g
ljefudf /fVg nufpg' kg]{5 .
-@_ sd{rf/Ln] cfk\mgf] j}olQms ljj/0fdf s'g} yk36 ug'{ k/]df cfk'm sfo{/t /x]sf] sfof{no
dfkm{t k|zf;g ljefudf n]vL k7fpg' kg]{5 / j}olQms ljj/0f cBfjlws u/fpg' ;DalGwt sd{rf/Lsf] st{Jo
x'g]5 .
kl/R5]b – #
tna, eQf tyf ;'ljwf ;DaGwL Aoa:yf
@#= tna M -!_ sd{rf/Lsf] tna :s]n ;ldltn] ;do;dodf lgwf{/0f u/] adf]lhd x'g]5 .
-@_ sd{rf/Ln] a}+ssf] ;]jfsf] kbdf axfnL u/]sf] ldltb]lv tna kfpg]5 .
@$= eQf, ;'ljwf M a}+ssf sd{rf/Lsf] eQf tyf ;'ljwf ;ldltn] ;do ;dodf lgwf{/0f u/] adf]lhd x'g]5 .
@%= ksfPsf] tna eQf kfpg] M -!_ ljlgod *# sf] pkljlgod -!_ sf] v08 -v_ adf]lhd tna 36fOg] cfb]z
ePsf]df afx]s s'g} sd{rf/Lsf] tna 36fOg] 5}g .
-@_ o; ljlgodfjnLdf pNn]v ePsf] cj:yfdf afx]s cGo cj:yfdf sd{rf/Ln] ksfPsf] tna
eQf s§f ul/g] 5}g .
-#_ sd{rf/Ln] sfd u/L ksfPsf] k|To]s dlxgfsf] tna eQf ;f]xL dlxgfsf] cflv/L sfd ug]{
lbgdf jf ;ldltn] tf]s]sf] cGo s'g} lbgdf lbOg]5 .
-$_ s'g} sd{rf/Ln] ksfPsf] tna eQf lgh h'g;'s} sf/0faf6 ;]jfdf g/x] klg kfpg]5 .
t/, lghn] s'g} lsl;dsf] /sd a}+snfO{ ltg'{ a'emfpg' kg]{ ePdf ;~rosf]if jfkt ;l~rt /sd
afx]ssf cGo /sdx?af6 ;f]sf] ;dfof]hg u/L afFsL /sd dfq e'QmfgL ul/g]5 .
@^= u|]8 M -!_ Go'gtd Ps cfly{s jif{ Pp6} kbdf /xL lg/Gt/ sfd ug]{ sdrf{/Ln] Go'gtd Ps u|]8 j[l4
kfpg]5
-@_ sfo{sf/L k|d'vn] s'g} sd{rf/LnfO{ k|f]T;fxg :j?k Ps k6sdf a9Ldf tLg u|]8 a[l4 lbg
;Sg]5 .
-#_ dflyNnf] s'g} kbdf a9'jf kfpg] s'g} sd{rf/Ln] tf]lsPsf] z'? tna kfpg]5 .
t/, sd{rf/Ln] xfn kfO/x]sf] tna pQm dflyNnf] kbsf] z'? tna a/fa/ jf ;f] eGbf clws ePdf
pQm dflyNnf] kbsf] lghsf] tna tf]Sbf b]xfo adf]lhd u/L tf]lsg]5,M–
-s_ sd{rf/Ln] xfn kfO/x]sf] tna dflyNnf] kbsf] z'? tna a/fa/ dfq ePdf ;f] tnadf Ps
u|]8 yk u/L tf]lsg]5 .
-v_ ;fljs kbdf kfO/x]sf] tna a9'jf ePsf] kbsf] z'? tnaeGbf a9L ePsf] cj:yfdf
dflyNnf] kbsf] tna tf]Sbf xfn kfOcfPsf] tnadf gk'u] ;Ddsf] /sd yk u/L tf]lsg]5 .
7
@&= tna a[l4 M -!_ ;ldltn] ;do ;dodf ;Dk"0f{ sd{rf/Lx?sf] tnj eQf ;'ljwf k'g/fjnf]sg ul/ j[l4 ug]{5 .
-@_ ljlgod *# -!_ sf] v08 -v_ adf]lhd tnaa[l4 /f]Ssf ul/Psf] jf lgnDag ul/Psf]df
afx]s k|To]s sd{rf/Ln] Ps jif{sf] ;]jf cjlw k'/f u/]kl5 Ps tnjdfg j[l4 kfpg]5 .
-#_ ;ldltn] s'g} sd{rf/LnfO{ k|f]T;fxg :j?k Ps k6sdf j9Ldf tLg tnadfg;Dd j[l4 lbg
;SG]5 .
@*= lgnDag x'Fbf kfpg] tna M -!_ cg'zf;gsf] sf/jfxL cGtu{t lgnDagdf k/]sf] sd{rf/Ln] lgnDag k/]sf]
cj:yfdf lghn] kfpg] tnasf] %) k|ltzt /sddfq e'QmfgL kfpg] 5 .
t/ lghsf] lgnDjg km's'jf ePdf afFsL %) k|ltzt tna tyf eQf -j[l4 eP ;f] ;d]t_ lghnfO{
k|bfg ul/g]5 .
-@_ pk–ljlgod -!_ adf]lhd afx]s cGo sf/0faf6 lgnDag ePsf] sd{rf/Ln] ;f] cjlwdf s'g}
tna, eQf tyf ;'ljwf kfpg] 5}g . cleof]uaf6 ;kmfO{ kfPdf To:tf] sd{rf/LnfO{ ;f] cjlwsf] tna tyf
eQf -j[l4 eP ;f] ;d]t_ k|bfg ug{ ;lsg]5 .
@(= k'gM kb:yfkgf ePdf kfpg] tna ;'ljwf M a}+saf6 cjsfz lbOPsf] jf x6fOPsf] jf av{f:t ul/Psf] s'g}
sd{rf/L cbfntsf] cfb]zaf6 k'gM kb:yfkgf ePdf lghn] kfpg] tna ;'ljwfsf ;DjGwdf ;ldltn]
tf]s]adf]lhd x'g]5 .
#)= ;'ljwf M -!_ ;ldltn] lgwf{/0f u/] cg';f/ b]xfo adf]lhdsf ;'ljwf sd{rf/LnfO{ k|bfg ul/g]5 M–
-s_ sd{rf/L cjsfz sf]if M
-c_ :yfoL ;]jfdf /x]sf sd{rf/LnfO{ lghsf] dfl;s tnaaf6 tf]lsPsf] k|ltzt s§f u/L
tnjsf] !) k|ltzt /sd a}+ssf] tkm{af6 yk of]ubfg ;d]t /xg] u/L sd{rf/L
cjsfz sf]if Joj:yf ul/g]5 .
-cf_ v08 -s_ -c_ adf]lhdsf] /sd a}+s cfkm}n] jf sf]ifsf] Joj:yfkg ug]{ ;+:yf jf
sd{rf/L ;+rosf]if jf gful/s nufgL sf]ifdf /fvL sf]ifdf /x]sf] /sd sd{rf/L
cjsfz x'Fbf jf lnFbfsf avt e'QmfgL lbO{g]5 / ;]jfsfndf sd{rf/Lsf] d[To' ePdf
lghsf] xsjfnfnfO{ e'QmfgL ul/g]5 .
-O_ a}+s cfkm}n] sf]ifsf] Joj:yfkg u/]sf]df ;f]sf] ;~rfng tyf ;f] sf]ifaf6 ;fk6L
k|bfg ug]{ ;DaGwL Joj:yf, cjsfz sf]if ;+rfng ;DaGwL k|rlnt sfg"gL Joj:yf
adf]lhd x'g]5 .
-O{_ sd{rf/Lx?nfO{ cjsfz sf]if shf{ ;ldltn] ;do ;dodf u/]sf] lg0f{o adf]lhd
a}+ssf] lgodfg';f/ k|bfg ul/g]5 .
-v_ cf}ifwL pkrf/ ;'ljwf M a}+sdf sfo{/t :yfoL sd{rf/Lx?nfO{ x/]s aif{sf] r}q dlxgfdf
cf}ifwL pkrf/ vr{ :j?k Ps dlxgfsf] vfO kfO cfPsf] k'/f tna eQf a/fa/sf] /sd
lat/0f ul/g]5 . o:tf] /sd sd{rf/Ln] s'g} cfly{s aif{sf] ^ dlxgf eGbf a9L ;]jf
ul/;s]kl5 ;]jfaf6 cnu ePsf] cj:yfdf klg Ps d'i6 ?kdf pNn]lvt /sd kfpg]5 t/
8
^ dlxgf eGbf sd ;dosf] nflu bfdf;fxLsf] lx;fjn] x'g]5 . ;ldltn] ;do ;dodf tf]s]
adf]lhdsf] /sd sd{rf/LnfO{ cf}ifwL pkrf/ ;'ljwf jfkt k|bfg ul/g]5 .
-u_ jLdf M ;ldltn] to u/]sf] jLdf ;DjGwL gLlt adf]lhd sd{rf/Lx?sf] nflu hLjg jLdf,
b'3{6gf jLdf / cfjZostf cg';f/ cGo jLdf ug{ ;Sg]5 . ;f] jLdfsf] lk|ldod a}+s cfkm}n]
ltg]{5 .
-3_ jf]g; M
-c_ k|rlnt jf]g; ;DaGwL sfg"g adf]lhd ;ldltn] lgwf{/0f u/] cg';f/ sd{rf/LnfO{
jf]g; k|bfg ug{ ;lsg]5 .
-cf_ af]g; P]gdf tf]s]sf] b/ adf]lhd k|To]s jif{sf] gfkmfaf6 sd{rf/L af]g;sf] nflu
/sd Joj:yf ug'{ kg]{5 .
-O_ k|rlnt af]g; P]g tyf lgodfjnLx?sf] clwgdf /xL af]g; ljt/0f ul/g]5 .
-O{_ af]g; P]gn] af]g;sf] nflu of]Uo 7x/fPsf sd{rf/LnfO{ af]g; k|bfg ul/g]5 .
-ª_ sd{rf/L C0f ;fk6L M
-c_ tnj ;fk6L ;'ljwf M o; ljlgodfjnLsf] ljlgod #) sf] pkljlgod ª-O{_
jdf]lhdsf] l/elNeË shf{ ;'ljwf pkef]u gu/]sf] s'g} :yfoL sd{rf/Ln] cfˆgf]
tnjaf6 s§f ug]{ u/L # dlxgfsf] tnj a/fj/ tnj ;fk6L dfu u/]df ;f]xL
cfly{s jif{ leq s§f ug]{ u/]/ Jofh glng] u/L sfo{sf/L k|d'vaf6 tnj ;fk6L
k|bfg ug{ ;lsg]5 . ;f] eGbf a9L /sdsf] nflu dfu ePdf sfo{sf/L k|d'vaf6
tf]lsPsf] Jofh lng] u/]/ tf]lsPsf] ;do ;Dddf s§f x'g] u/L tnj ;fk6L k|bfg
x'g ;Sg]5 . ;fy} sfo{sf/L k|d'v :jodn] # dlxgf a/fj/sf] tnj ;fk6L /sd
lng' k/]df :jtM lng ;Sg]5 / ;f]eGbf a9L cjlwsf] tnj ;fk6L lng' k/]df
;ldltaf6 :jLs[t u/fO{ lng' kg]{5 .
-cf_ ;jf/L ;fwg÷3/fo;L jf clkm; pkef]Uo ;fdfg vl/b jf shf{ ;'ljwf M
!_ a}+ssf :yfoL sd{rf/Ln] ;jf/L ;fwg jf 3/fo;L pkef]Uo ;fdfgx?
vl/b ug{sf] nflu shf{ dfu u/]df tf]lsPsf] Jofhb/df tf]lsPsf] ;Ldf
/sd;Dd xfo/kr]{h shf{ k|bfg ug{ ;Sg]5 . o:tf] shf{df a}+sn] ;]jf
z'Ns lng] 5}g . t/ jLdf eg] clgjfo{?kdf u/fPsf] x''g' kg]{5 .
;fOsnsf] nflu shf{ dfu u/]sf] ePdf ztk|lztzt /sd g} ljgf Jofh
Ps jif{ leq r'Qmf ug]{ u/L shf{ lbOg]5 . ;fOsn shf{ c:yfoL /
s/f/sf sd{rf/LnfO{ ;d]t lbg ;lsg]5 .
@_ a}+ssf :yfoL sd{rf/Lsf] nflu ;jf/L ;fwg jf 3/fo;L pkef]Uo
;fdfgx? jf ckmL;sf] nflu cfjZos kg]{ Nofk6k, sDKo'6/ jf cGo
cfjZos ;fdu|Lx? vl/b ul/ tf]lsPsf] ;do kl5 tf]lsPsf] d'No lnO
;DjlGwt sd{rf/Ls} gfddf gfd;f/L ul/lbg] / ;f] ;DjGwdf cGo
9
cfjZos Joj:yfx? ul/ lgb]{lzsf jgfO a}+sn] Own your asset of]hgf nfu' ug{ ;Sg]5 .
-O_ 3/shf{ M a}+sdf sfo{/t :yfoL sd{rf/Ln] cfˆgf] 38]/Ldf 3/ agfpg rfx]df jf
38]/L vl/b u/L 3/ agfpg rfx]df jf 3/ g} vl/b ug{ rfx]df jf 3/sf] tNnf
yk ug{ rfx]df jf 3/ dd{t jf kmlg{l;Ë ug{ rfx]df, h'g 38]/L jf 3/ vl/b ug{
jf lgdf{0f ug{ nfu]sf] xf] ToxL 38]/L jf 3/ jf 3/ agfpg nfu]sf] 38]/L lwtf]
;'/If0f jfkt /fvL cost of fund df g36\g] u/L tf]lsPsf] Jofh b/df tf]lsPsf]
tl/sfaf6 e'QmfgL ug]{ u/L &@ dlxgfsf] tnj eQf /sd a/fj/df gj9\g] u/L
sfo{sf/L k|d'vaf6 3/ shf{ lbg ;lsg]5 .
-O{_ l/eNjLË shf{ M a}+sdf sfo{/t lgDgfg';f/sf :yfoL sd{rf/Lx?nfO{ ;do ;dodf
cfOkg]{ cfly{s ;d:of 6fg{sf] nflu :jLs[t shf{ ;Ldf leq /xL cfjZos k/]sf]
h'g;'s} jvt k6s k6s lemSg ;Sg], cfkm';+u /sd ePsf] jvt h'g;'s} jvt
k6s k6s ltg{ ;Sg] / jflif{s ?kdf gljs/0f ;d]t ug{ ;Sg] ul/ lgDg
jdf]lhdsf] l/elNeË shf{ ;Ldf :jLs[t ul/ k|bfg ug{ ;lsg]5 .
-!_ % jif{ ;]jf cjlw k'/f gePsf :yfoL sd{rf/Lx?sf] xsdf clwstd
lghx?n] vfO kfO cfPsf] !@ dlxgfsf] tnj j/fj/sf] /sd,
-@ _ % jif{ ;]jf cjlw k'/f ePsf sd{rf/Lx?sf] xsdf clwstd lghx?n]
vfOkfO cfPsf] @$ dlxgfsf] tnj j/fj/sf] /sd,
-#_ o; ljlgodfjnLsf] ljlgod #) sf] pkljlgod -ª_ -!_ jdf]lhdsf]
sd{rf/L tnj ;fk6L pkef]u ul//x]sf] sd{rf/Ln] ;f] tnj ;fk6L r'Qmf
gu/] ;Dd o; ljlgod jdf]lhdsf] l/elNeË shf{ ;'ljwf pkef]u ug{
;Sg]5}g .
-$_ k|:t't pkljlgod jdf]lhdsf] l/elNeË shf{ ;'ljwfsf] nflu Normal
Saving Account df k|bfg ul/g] Jofhb/df !=% k|ltzt yk ul/ sfod
x'g] Jofhb/ nufOg]5 .
-p_ a}+saf6 shf{ lng] sd{rf/L cjsfz ePdf a}+ssf] shf{ afFsL eP;Dd lghn]
a}+saf6 kfpg] cjsfz sf]if /sd jf pkbfg /sd e'QmfgL ul/g] 5}g . t/
sd{rf/Ln] kfpg] cfˆgf] cjsfz sf]if /sd / pkbfg /sdaf6 shf{ r'Qmf x'g]
l:ylt eO{ ;f] /sdx?af6 shf{ r'Qmf ug{ rfx]df km5{\of]6 u/L lbOg]5 . lwtf]
;'/lIft ePsf]df / efvf gf3]sf] ls:tf gePsf]df o:tf] shf{ afFsL /x]klg tf]s]
cg';f/ ls:tf ltg]{ u/L sd{rf/Lsf] /flhgfdf l:js[t jf cjsfz lbg ;lsg]5 .
-pm_ cGo ;'ljwf M sfo{sf/L k|d'vn] o; ljlgodfjnLdf ePsf Joj:yfx?sf cltl/Qm
sd{rf/Ln] cfˆgf] sfdsf] l;nl;nfdf u/]sf] pRr of]ubfg tyf a}+ssf] tTsflng
cj:yf tyf cfjZostf ;d]tnfO{ dWo]gh/ /fvL a}+sdf sfo{/t sd{rf/Lx?nfO{
10
;do ;dodf ljleGg k|sf/sf] ;'ljwfx? h:t}, ;jf/L ;fwg, OGwg, dd{t ;Def/,
6]lnkmf]g, df]jfOn, vfhf tyf vfgf ;'ljwf jf o:t} cGo c:yfoL k|s[ltsf gub
tyf u}/gub ;'ljwfx? k|bfg ug{ ;Sg]5 .
-@_ cjsfz sf]if vftfsf] Jofhb/ ;ldltn] ;do ;dodf tf]lslbP adf]lhd x'g]5 .
-#_ c:yfoL jf s/f/sf sd{rf/Ln] df]6/;fOsn jf 3/ lgdf{0f shf{ dfu u/]df cGo JolQmnfO{
shf{ lbP;/x a}+ssf] lgod cg';f/ lwtf] lnO{ a}+ssf] k|rlnt Jofhb/ dWo] Go"gtd
Jofhb/df :yfoL sd{rf/Ln] kfpg] /sd;Dd shf{ lbg ;lsg]5 .
-$_ sd{rf/L C0fdf :yfoL, c:yfoL / s/f/ ;j} k|sf/sf] sd{rf/LnfO{ ;]jf z'Ns nfUg] 5}g .
-%_ o; ljlgod cg';f/ sd{rf/LnfO{ k|bfg ul/g] shf{ ;fk6L C0f ;'ljwf ;DjGwdf h'g;'s}
s'/f n]lvPsf] ePtf klg sd{rf/LnfO{ o; ljlgod cGtu{tsf] shf{ ;fk6L C0f ;'ljwfx?
k|bfg ub{f lghn] pkef]u ug]{ ;j} jf s]xL shf{sf] ls:tf tyf Jofh j'emfO jf+sL /xg
cfpg] v'b tnj eQf (Take home salary) hDdf tnj eQfsf] Ps ltxfO eGbf
sd x'g] ul/ shf{ ;fk6L jf C0f ;'ljwf k|bfg ul/g]5}g .
-^_ o; ljlgodfjnL jdf]lhd sd{rf/Lx?nfO{ k|bfg x'g] shf{ ;fk6L ;'ljwf k|bfg ug]{ jf/]df
sfo{sf/L k|d'vjf6 ;do ;dodf Pp6} jf 5'6\6f 5'6\6} sfo{ljlw tyf lgb]{lzsf jgfO nfu'
ul/g]5 .
#!= ljz]if tyf cltl/Qm ;do eQf M -!_ ;ldltn] ;do ;dodf to u/] adf]lhd sd{rf/LnfO{ ljz]if eQf k|bfg
ug{ ;lsg]5 .
-@_ ljefuLo k|d'vn] cfjZostf cg';f/ sd{rf/Lx?nfO{ sfof{no ;do afx]s cltl/Qm ;dodf
jf ;fj{hlgs ljbfsf] lbgdf sfd nufpg ;Sg]5 .
-#_ ljbfsf] lbgdf jf sfof{no ;do eGbf cl3kl5 cltl/Qm ;do sfd u/] jfkt sd{rf/LnfO{
;ldltn] ;do ;dodf tf]s] jdf]lhdsf] cltl/Qm ;do (Over Time) eQf lbO{g]5 .
-$_ cltl/Qm eQf Ps 306f eGbf sd cjlw / Ps lbgdf & 306f eGbf a9L lbO{g] 5}g .
-%_ sfof{nosf] lgoldt ;do ;dfKt ePsf] Ps 306f kl5 dfq cltl/Qm ;do sfdsfh z'?
x'g]5 o:tf] sfdsfh lbgsf] # 306f eGbf a9L x'g] 5}g . ljbfsf] lbgdf a9Ldf & 306f;Dd cltl/Qm ;do
sfdsfh ug{ cg'dlt lbg ;lsg]5 . cltl/Qm ;do eQf Ps dlxgfdf dlxgfsf] z'? tnj eGbf a9L e'QmfgL
ul/g] 5}g .
-^_ Joj:yfklso tx jf ;f] eGbf dflyNnf] txsf] sd{rf/Lx?nfO{ cltl/Qm eQf lbO{g] 5}g . t/
ljbfsf] lbgdf sfdsfh u/]jfkt vfhfsf] k|jGw sfof{nojf6 ul/g]5 .
#@= sfof{no kf]zfs M -!_ sfof{no kf]zfs ;DjGwdf sfo{sf/L k|d'vn] ;do ;dodf tf]s] adf]lhd x'g]5
.
-@_ sfof{no kf]zfs nufpg kg]{ u/L tf]lsPsf sd{rf/Ln] clgjfo{ ?kdf tf]lsPsf] kf]zfsdf
sfof{nodf cfpg' kg]{5 .
11
##= bz}+ vr{ ;'ljwf M a}+ssf sd{rf/Lx?nfO{ a8f bz}+sf] pknIodf a8f bz}+ z'? x'g' eGbf kGw| lbg cufj} Ps
dlxgfsf] vfOkfO{ cfPsf] tna eQf bz}+ vr{ jfkt lbOg]5 . o;/L bz}+ vr{ lb+bf 36:yfkgfsf] cl3Nnf] lbg ^
dlxgf ;]jf cjlw k'u]sf] sd{rf/LnfO{ k'/f tyf ;f] eGbf sd ;]jf cjlw k'u]sf] sd{rf/LnfO{ ;dfg'kflts
/mkn] k|bfg ul/g]5 .
#$ b}lgs tyf e|d0f eQf M -!_ ;ldltn] ;do ;dodf lgwf{/0f u/] adf]lhdsf] b}lgs tyf e|d0f eQf
sd{rf/Lx?nfO{ k|bfg ul/g]5 .
-@_ e|d0f cfb]z / k]ZsL km5\of]{6 ug{ e|d0f lan k|zf;g ljefun] tf]lsPsf] 9fFrfdf eg'{ kg]{5 .
-#_ sfof{no ;DjGwL sfo{sf] nflu sfof{no :yn b]lv aflx/ hfFbf s]Gb|Lo sfof{nosf
sd{rf/Lx?sf] xsdf k|zf;g ljefu, cGo sfof{nosf sd{rf/Lsf] xsdf tt\ tt\ sfo{fnosf sfof{no k|d'vn]
e|d0f cfb]z hf/L ug{ ;Sg]5g eg] sfo{fno k|d'vsf] xsdf s]Gb|Lo sfof{no k|zf;g ljefun] dfq e|d0f
cfb]z hf/L ug'{ kg]{5 .
-$_ e|d0f ;lsPsf] !% lbg leq e|d0f lan tf]lsPsf] 9fFrfdf e/L n]vf tyf k|zf;g ljefudf
a'emfO{ k]ZsL km5\of]{6 ug'{ kg]{5 . e|d0f lansf] ;fydf e|d0f cfb]zsf] ;Ssn k|lt, e|d0fsf] bf}/fgdf ePsf
vr{x?sf] lanx? tyf cfjZos sfuhftx? ljefuLo k|d'v tyf zfvf k|d'vx?åf/f k|dfl0ft ePsf] x'g'kb{5 .
-%_ k|zf;g ljefudf ;DjlGwt ljefuLo k|d'vsf] l;kmfl/z ;lxt e|d0f lan k]z ug'{kg]{5 .
-^_ sfo{sf/L k|d'vn] Jofkfl/s k|j4{gsf] lznlznfdf g]kfn /fHosf] s'g} efudf jf zfvfx?df
e|d0f ug{ e|d0f cfb]z :jLs[t u/fpg' kg]{ 5}g / sfo{sf/L k|d'vjf6 o;/L x'g] e|d0fdf ljn cg';f/sf] vr{
k|bfg ul/g]5 .
kl/R5]b– $
xflh/L / ljbf ;DaGwL Aoa:yf
#%= xflh/L / sfof{no ;do M -!_ sd{rf/Ln] lgoldt ?kdf / lgwf{l/t ;dodf cfˆgf] sfof{nodf xflh/ x'g'
kg]{5 / ljbfsf] k"j{ :jLs[lt glnO{ sfof{nodf cg'kl:yt x'g' x'b}g .
-@_ sd{rf/Lx?n] sfof{no ;dodf ;DalGwt clws[tsf] :jLs[lt glnO{ sfof{no 5f8\g kfOg]
5}g .
-#_ sfof{nosf] sfo{ ;do sfo{sf/L k|d'vn] ;do ;dodf tf]s] jdf]lhd x'g]5.
t/ b}lgs ?kdf ;Dkfbg ug'{ kg]{ lgoldt sfd ljefuLo k|d'vn] cGoyf cfb]z lbPsf] cj:yfdf
afx]s ;f] sfd ;f]xL lbg k'/f ug'{ kg]{5 .
-$_ pkljlgod -#_ adf]lhd tf]s]sf] sfof{no ;do sfo{sf/L k|d'vn] cfjZostfg';f/ x]/km]/
ug{ ;Sg]5 .
-%_ sfo{sf/L k|d'vn] s'g} vf; :yfgdf /x]sf] zfvf jf cGo sfof{nodf tf]lsPsf] sfof{no
;do cl3kl5 jf ;fj{hlgs ljbfsf] lbgdf ;d]t k"/f ;do sfd ug]{ u/L tf]s]df ;f]sf] ;§f csf]{ ljbf jf
cltl/Qm ;do eQfsf] Joj:yf ul/g]5 .
12
#^ ljbf glnO{ sfof{nodf cg'kl:yt x'g gkfO{g] M -!_ ljbf :jLs[t ug]{ clwsf/Lsf] :jLs[lt ljgf s'g} klg
sd{rf/L sfof{nodf cg'kl:yt x'g], tf]lsPsf] ;dodf pkl:yt gx'g] jf ljgf cfb]z tf]lsPsf] ;do k"j{ g}
cfˆgf] sfo{ 5f]8\g kfpg] 5}g .
t/ cg'dlt lng g;Sg] s'g} cj:yf ePdf sf/0f ;lxt kl5 cfjZos :jLs[lt lng ;lsg]5 .
-@_ ljgf ;"rgf nuftf/ & lbg eGbf a9L jf Ps jif{df #) lbg uon x'g] sd{rf/LnfO{ ;]jfaf6
x6fpg ;lsg]5 .
-#_ ljbf :jLs[t gu/fO{ jf :jLs[t cjlweGbf a9L lbg sfof{nodf cg'kl:yt x'g] s'g} klg
sd{rf/LnfO{ cg'kl:yt ePsf] cjlwsf] tna eQf k|bfg ul/g] 5}g / lghn] sfof{no k|d'v÷ljefuLo k|d'v
;dIf lrQ a'em\bf] hjfkm k]z ug{ g;s] lghnfO{+ ;]jfaf6 x6fpg ;lsg]5 . lrQ a'em\bf] cfwf/ / sf/0f ePdf
lghnfO{ tna eQf ;d]t k|bfg ug{ ;lsg]5 .
-$_ ljbf clwsf/sf] s'/f xf]Og, ;x'lnot dfq xf] . a}+ssf] sfo{df k|lts'n c;/ kg]{ u/L
sd{rf/Lsf] s'g} klg ljbf :jLs[t ul/g] 5}g .
#& ;fj{hlgs ljbf M a}+sdf nfu" x'g] ;fj{hlgs ljbf ;ldltn] x/]s jif{ tf]s] adf]lhd x'g]5 . ;ldltn] ljbf
tf]Sbf g]kfn /fi6« a}]+sn] tf]s]sf] ljbfnfO{ dfu{bz{gsf] ?kdf lng' kg]{5 .
#* sd{rf/Ln] kfpg] ljbfsf] lsl;d M sd{rf/Ln] lgDg lnlvt k|fjwfgsf] clwgdf /xL b]xfosf ljbfx? kfpg]5 M−
-s_ jflif{s ljbf M -!_ k|To]s sd{rf/Ln] a}+sdf sfd u/]sf] x/]s dlxgfdf b'O{ lbgsf b/n] jif{df @$ lbg
k"0f{ ;'ljwf ;lxtsf] jflif{s ljbf kfpg]5 .
-@_ jflif{s ljbf dWo] ======== lbgsf] ljbf jif{sf] ! k6s sd{rf/Ln] clgjfo{ ?Kfdf
lng' kg]{5 .
-#_ v08 -@_ jdf]lhd ljbf lnbf ljbf j:g' eGbf slDtdf @ dlxgf cufj} :jLs[t
u/fpg' kg]{5 .
-$_ v08 -@_ jdf]lhdsf] ljbf ln+bf a}+sn] ljbf eQf jfkt & lbgsf] tnj j/fj/sf]
/sd ljbf j:g] sd{rf/LnfO{ k|bfg ug]{5 .
-%_ v08 -@_ jdf]lhdsf] ljbf glng] sd{rf/Lsf] xsdf ;f] lbg j/fj/ ljbf NofK; x'g]
5 / ljbf eQf jfktsf] /sd ;d]t k|fKt ug]{ 5}g .
-^_ v08 -@_ jdf]lhd ljbfdf j;]sf] sd{rf/Ln] ljbfsf] cjlwe/ k|d'v sfo{sf/L
clws[tsf] :jLs[tL ljgf cfkm' sfo{/t a}+ssf] sfof{no jf c? zfvf sfof{nodf k|j]z ug{ kfOg] 5}g
.
-&_ v08 -@_ jdf]lhd ljbf lnO jf v08 -%_ jdf]lhd NofK; eO af++sL /x]sf] ljbf
dWo] ^) lbg;Dd ljbf ;+lrt ug{ ;lsg] 5 .
-*_ ^) lbg eGbf a9L jflif{s ljbf x'g] sd{rf/LnfO{ lghsf] ;+lrt ljbf jfktsf] /sd
e'QmfgL lbOg]5 .
-(_ ;]jfaf6 /flhgfdf lbPsf] jf cjsfz k|fKt u/]sf] cj:yfdf vfOkfO cfPsf] tnj
eQfn] lx;fj u/L ;+lrt ljbf jfktsf] /sd e'QmfgL lbOg]5 . t/ ;]jfaf6 avf{:t ul/Psf
sd{rf/Ln] o:tf] ;'ljwf kfpg] 5}g .
13
-v_ lj/fdL ljbf M k|To]s sd{rf/Ln] jif{df ^ lbgsf] tna;lxt lj/fdL ljbf kfpg]5 . lj/fdL ljbf ;+lrt
ug{ kfOg]5 . o:tf] ;+lrt lj/fdL ljbfsf] /sd ;]jf lgj[Q ePdf jf :jf:Yosf] sf/0faf6 cjsfz
ePdf jf /flhgfdf lbO{ ;]jfaf6 cnu ePdf jf d[To' ePdf lghn] vfO{kfO{ cfPsf] tna eQfsf]
lx;fan] x'g] Psd'i6 /sd e'QmfgL kfpg]5 . & lbg eGbf a9L lj/fdL ljbf lng' k/]df ;f] ljbf
:jLs[ltsf] nflu lrlsT;ssf] k|df0fkq cfjZos x'g]5 . Joj:yfkgnfO{ plrt nfu]df lrlsT;ssf]
k|df0fkq ljgf klg ljbf :jLs[t ug{ ;Sg]5 . cfˆgf] ;+lrt ljbf eGbf a9L lj/fdL ljbf lng' kg]{
cj:yf ePdf sd{rf/Ln] ;j{k|yd cfˆgf] jflif{s ljbfsf] k|of]u ug'{ kg]{5 . sfo{sf/L k|d'vn]
sd{rf/Lsf] rfn' jf cfufdL jif{df kfpg] ljbfaf6 s§f x'g] u/L lghnfO{ clu|d yk lj/fdL ljbf
k|bfg ug{ ;Sg]5 .
-u_ k|;'lt ljbf M ue{jtL dlxnf sd{rf/LnfO{ k|;"lt x'g' eGbf cl3 jf kl5 ;]jf cjlwdf b'O{ k6s
a}+saf6 k|bfg ul/g] ;'ljwf ;lxtsf] a9Ldf ^) lbg k|;"lt ljbf lbOg]5 / k'?if sd{rf/Lsf] kTgL
k|;"lt ePsf] cj:yfdf k|;"lt x]/rfxsf] nflu & lbg;Ddsf] ljbf k|bfg ug{ ;lsg]5 . o:tf] ljbfdf
a:bf ;a} ;'ljwf k|bfg ul/g]5 / k|;"lt ljbf leq kg{ cfpg] ;a} ;fj{hlgs ljbfx? k|;"lt ljbf leq}
u0fgf ul/g]5 .
-3_ lsl/of ljbf M s'g} sd{rf/Lsf] cfdf, a'af, ;f;', ;;'/f, >Ldfg\, >LdtL / 5f]/f 5f]/Lsf] d[To' eO{ cfkm}
lsl/of a:g' kg]{ ePdf s'n wd{ x]/L !% lbg;Dd lsl/of ljbf kfpg]5 . lsl/of ljbfdf a;]sf]
sd{rf/Ln] k"/f tna eQf kfpg]5 .
#(= ljbfsf] :jLs[lt M ljbfsf] :jLs[lt sfo{sf/L k|d'v jf lghn] clVtof/L lbPsf] clwsf/Ln] ug]{5 . sfo{sf/L
k|d'vsf] ljbf :jLs[lt ;ldltsf] cWoIf jf ;ldltsf] s'g} ;b:on] ug{ ;Sg]5 . sfo{sf/L k|d'vsf] ljbf :jLs[t
ePsf] jf lgh ljgf ;"rgf cg'kl:yt ePsf] cj:yfdf lgldQ sfo{sf/L k|d'vsf] lhDd]jf/L ;DxfNg] lgs6td
jl/i7 kbflwsf/Ln] sd{rf/Lsf] ljbfsf] :jLs[lt ug]{5 .
$) ljbfdf j;]sf] sd{rf/LnfO{ sfddf nufpg ;lsg] M a}+sn] ljbf :jLs[t u/fO{ a;]sf sd{rf/LnfO{ cfjZostf
cg';f/ af]nfO{ sfddf nufpg] ;Sg]5 . ;f] sfd u/]sf] ;§f csf]{ lbgdf ljbf lbg ;lsg]5 .
kl/R5]b – %
j[lQ ljsf; ;DaGwL Aoa:yf
$!= ;?jf M -!_ sd{rf/Lx?sf] k]zfut Ifdtfsf] ljsf; u/L lghx?nfO{ a}+ssf x/]s sf/f]af/x? bIftfsf
;fy ;DkGg ug{ ;Sg] agfpg Ps sfof{Tds kbaf6 csf]{ sfof{Tds kbdf qmd};+u sfo{ u/fpg] a}+ssf] gLlt
/xg]5 .
-@_ a}+sn] cfjZostf cg';f/ sfo{ ;~rfngdf afwf gkg]{ u/L sfo{ k|s[ltsf cfwf/df x]/km]/ tyf
bIftf ljsf;sf] nflu sd{rf/Lx?sf] ;?jf ug{ ;Sg]5 . ;?jf ePsf] :yfgdf tf]lsPsf] ;dodf xflh/ x'g
hfg' ;DalGwt sd{rf/Lsf] st{Jo x'g]5.
$@ ;?jf ug]{ clwsf/ M a}+ssf] Joj:yfksLo >]0fLsf sd{rf/Lsf] xsdf sfo{sf/L k|d'v / cGo >]0fLsf
sd{rf/Lsf] xsdf sfo{sf/L k|d'v jf lghaf6 clwsf/ k|fKt clwsf/LnfO{ ;?jfsf] cfb]z lbg] clwsf/ x'g]5 .
14
$#= ;?jf x'g afWotf M -!_ ;?jf ePsf] sfof{nodf ;?jfkqdf tf]lsPsf] ;do leq xflh/ x'g hfg ;DalGwt
sd{rf/Lsf] st{Jo x'g]5 .
-@_ ;?jf ePsf] sfof{nodf tf]lsPsf] ;doleq xflh/ x'g hfg ;DalGwt sd{rf/LnfO{
sfof{no÷ljefuLo k|d'vn] ;?jfkqdf tf]lsPsf] Dofbleq /dfgfkq lbg' kg]{5 .
-#_ sd{rf/LnfO{ Ps sfof{noaf6 csf]{ sfof{nodf ;?jf u/L k7fpFbf ;?jfsf] /dfgfkq lbg]
clwsf/Ln] lgh sd{rf/LnfO{ vfO{kfO{ cfPsf] tna eQf / ;f] cjlw;Ddsf] ljbf ;lxtsf] ljj/0f v'nfO{
/dfgfkq lbg' kg]{5 .
$$= a'ema'emf/y M -!_ ;?jf x'g] sd{rf/Ln] cfˆgf] lhDdfsf] gubL, lhG;L jf sfuhkq ;?jf kqdf tf]lsPsf]
cjlw leq a/a'emf/y u/L ;Sg' kg]{5 .
-@_ a/a'emf/y ubf{ a'em\g] / a'emfpg] b'j}sf] pkl:yltdf ;DalGwt sfof{nodf b'j}n] ;+o'Qm
b:tvt u/L a/a'emf/y ug'{ kg]{5 .
-#_ a/a'emf/ysf] sfd ;lsPkl5 a'em\g] / a'emfpg] b'j}n] ;+o'Qm b:tvt u/L ;DalGwt
sfof{nodf hfgsf/L lbg' kg]{5 .
$%= tflnd M -!_ k]zfut bIftfnfO{ k|r'/ dfqfdf ljsf; ug{ sd{rf/LnfO{ tflndsf ljleGg cj;/x? k|bfg ug]{
a}+ssf] gLlt /xg]5 .
-@_ s'g} klg sd{rf/Ln] tflndnfO{ clwsf/sf] ?kdf bfjL ug{ / tflndsf] cefjn] dfq s'g}
sd{rf/Ln] cfˆgf] cbIftfnfO{ 9fSg kfpg] 5}g . a}+sn] cfˆgf] cfjZostf cg';f/ b]xfosf If]qx?df Tfflnd
tyf k|lzIf0fsf] Joj:yf ug]{5 M–
-s_ ;]jfk"j{ k|lzIf0f
-v_ ;]jfsflng k|lzIf0f
-u_ cfwf/e"t tflnd
-3_ ;]ldgf/, uf]i7L tyf sfo{zfnf
-#_ j}b]zLs tflndsf] nflu sd{rf/Lx?sf] 5gf}6 ubf{ sfo{sf/L k|d'vn] ljefuLo k|d'vx?sf] /fo
lnO{ ug]{5 .
-$_ s'g} tflnd jf cWoogsf] nflu 5gf}6 ul/Psf] sd{rf/Ln] o:tf] tflnd jf cWoogdf
hfg'cl3 ;ldltn] ;do ;dodf tf]s]sf] zt{ aGb]h cg';f/sf] sj'lnot ug'{ kg]{5 .
$^ sfh M -!_ sfo{sf/L k|d'v jf lghaf6 clVtof/ k|fKt clwsf/Ln] sfhsf] cjlw / sfhdf /Fxbf ug'{ kg]{ sfd
tf]s]/ cGo sd{rf/LnfO{ sfh v6fpg ;Sg]5 .
-@_ sfhdf vl6Psf] sd{rf/Ln] sfhaf6 kmls{Psf] ;ft lbg leq sfhdf /xFbf cfkm'n] u/]sf]
sfo{sf] k|ltj]bg sfhdf v6fpg] clwsf/L ;dIf k]z ug'{ kg]{5 .
-#_ sfhdf hfg] sd{rf/LnfO{ ;ldltn] ;do ;dodf tf]s] adf]lhdsf] b}lgs tyf e|d0f eQf
lbOg]5 .
15
$&= lgldQ eO{ sfd ug]{ M -!_ ljefuLo k|d'v jf sfof{no k|d'vn] s'g} sf/0fn] cfˆgf] lhDd]jf/L k'/f ug{
sfof{nodf pkl:yt x'g g;Sg] ePdf cfkm'eGbf d'lgsf kbdf ;f]xL sfof{nodf sfo{/t jl/i7dWo] h]i7 Pj+
bIf sd{rf/LnfO{ ;ft lbg ;Ddsf nflu lgldQ eO{ sfd ug{ tf]Sg ;Sg]5 .
-@_ pk–ljlgod -!_ adf]lhd ljefuLo k|d'v jf sfof{no k|d'v sfof{nodf ;ft lbgeGbf a9L
;dosf nflu pkl:yt x'g g;Sg] ePdf a}+ssf] s]Gb|Lo sfof{nodf ;"rgf ug'{ kg]{5 / s]Gb|Lo sfof{non]
lgldQ d's// ug]{ jf cGo cj:yf ldnfpg' kg]{5 .
-#_ pk–ljlgod -!_ adf]lhd ;ft lbg ;Ddsf nflu lgldQ eO{ sfd u/]sf] cjlw jfkt s'g}
/sd k|bfg ul/g] 5}g .
-$_ pk–ljlgod -@_ adf]lhd ;ft lbgeGbf a9L lgldQ eO{ sfd u/]sf] cjlw jfkt ;ldltn]
tf]s] adf]lhd lgldQ eQf pknJw u/fpg ;lsg]5 .
-%_ lgldQ eO{ sfd ug]{ sd{rf/Ln] cfkm"n] lgldQ eO{ sfd sf/f]jf/ u/]sf] kbsf] ;Dk"0f{
pQ/bfloTj tyf lhDdjf/L axg ug'{ kg]{5 .
$* sfod d'sfod M sfo{sf/L k|d'vn] of]Uo sd{rf/LnfO{ axfn /x]sf] txeGbf Ps tx dflysf] kbdf cfjZostf
cg';f/ sfod d'sfod d's// ug{ ;Sg]5 . s'g} sf/0faf6 ;ft lbg eGbf a9L cjlwsf nflu sf]xL sd{rf/L]
cg'kl:ylt eO{ sfo{ ;+rfng ug{ csf]{ JolQm cfjZos ePdf lgs6td csf]{ sd{rf/LnfO{ sfod d'sfod
d's// ug{ ;lsg]5 . o;/L sfod d'sfod d's// x'g] sd{rf/Ln] sfod d'sfod kfPsf] kbsf] z'? tna /
cGo ;'ljwfsf] km/s /sd ;d]t kfpg]5 .
$( a9'jf M -!_ tf]lsPsf] dfkb08 eGbf :t/Lo sfo{ ug{ ;Sg] jf nuftf/ :t/o'Qm sfd ug{ ;Sg] lgi7fjfg tyf
Ifdtfjfg sd{rf/LnfO{ sfo{ ;Dkfbg d"Nof+sg k|ltj]bgsf] cfwf/df dfgj ;+;fwg ;ldltsf] l;kmfl/z
adf]lhd ;ldltn] ;do ;dodf lgwf{/0f u/]sf] gLlt cGtu{t /xL cfGtl/s a9'jfåf/f l/Qm kbx?df k"lt{ ug{
;lsg]5 .
-@_ b]xfosf] cj:yfx?dWo] s'g} cj:yfdf a9'jf x'g ;Sg]5 M–
-s_ tNnf] kbaf6 kbk"lt{ ug]{ u/L dflyNnf] kb l/Qm ePdf,
-v_ gofF kbsf] >[hgf ePdf .
-#_ sfo{sf/L k|d'vn] a}+sdf l/Qm /x]sf kbx?dWo] a9'jfå./f k"lt{ ug'{kg]{ kbdf a9'jf ubf{
ljlgod ( adf]lhd ul7t dfgj ;+;fwg ;ldltsf] l;kmfl/zdf ug]{5 .
-$_ sd{rf/Lx?n] a9'jfnfO{ clwsf/sf] ?kdf jf jl/i7tfsf] cfwf/df dfq} bfjL ug{ kfO{g] 5}g .
%)= a9'jfsf] nflu ;DefJo pd]bjf/ / h]i7tf qmdsf] lgwf{/0f M -!_ sfo{ ;Dkfbg d"NofÍgåf/f a9'jfsf] nflu
pd]b\jf/ x'g a9'jf x'g] kb eGbf Pstx d'lgsf] kbdf b]xfo adf]lhdsf] :yfoL ;]jf cjlw k"/f u/]sf] x'g' kg]{5
M—
-s_ Joj:yfksLo tyf clws[t >]0fLsf] kbdf a9'jf x'gsf] nflu @ aif{,
-v_ ;xfos tyf ;xof]uL >]0fLsf] kbdf a9'jf x'gsf] nflu @ aif{ .
16
;fdfGotof ;xof]uL >]0fLaf6 ;xfos >]0fLdf a9'jf ul/g] 5}g t/ ;xof]uL >]0fLdf sfo{/t s'g}
sd{rf/Ln] cfkm\gf] sfdsf] bf}/fgdf ;xfos >]0fLsf] sd{rf/Ln] ug]{ sfdsf] zLk xf+lzn ul/ ;xfos
>]0fLdf j9'jf ug{ Joj:yfkgn] pko'Qm x'g] 7fg]df To:tf] sd{rf/LnfO{ ;xfos >]0fLdf j9'jf ug{
k|:t't Joj:yfn] jfwf k'/\ofPsf] dflgg] 5}g .
-@_ pk–ljlgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg b]xfosf] cj:yfdf b]xfosf] cjlwe/
s'g} klg sd{rf/L a9'jfsf] nflu ;DefJo pd]bjf/ x'g kfpg] 5}g M–
-s_ lgnDag ePsf]df lgnDag /x]sf] cjlwe/,
-v_ a9'jf /f]Ssf ePsf]df ;f] cjlwe/,
-u_ xfnsf] kbdf tLg k6s;Dd gl;xt kfPsf] eP clGtd k6s gl;xt kfPsf] ldltn] Ps
aif{;Dd,
-3_ tna a[l4 /f]Ssf jf tna 36'jf ul/Psf]df To;/L /f]Ssf jf 36'jf u/]sf] ldltn] Ps
aif{;Dd .
-#_ xfnsf] kbdf lgo'lQm jf a9'jf ePsf] ldltsf] cfwf/df h]i7tfqmd agfpFbf ;f] ldlt Pp6}
ePdf b]xfosf] cfwf/df h]i7tfqmd tof/ ul/g]5 M–
-s_ xfnsf] kbdf :yfoL lgo'lQm jf a9'jf x'Fbf l;kmfl/z ul/Psf] of]Uotfqmdsf] cfwf/df,
-v_ ;dfg kbsf] a9'jfsf] l;kmfl/z / v'Nnf k|ltof]lutfTds kl/Iffsf] l;kmfl/z Ps}lbg ePdf
a9'jfsf] l;kmfl/zsf] cfwf/df .
-$_ pk–ljlgod -#_ adf]lhd h]i7tfqmd tof/ ubf{ uon ePsf] cjlwnfO{ u0fgf ul/g] 5}g .
-%_ a}+sn] l;h{gf u/]sf] s'g} l/Qm kbdf j9'jfsf] dfWodjf6 k'tL{ ug]{ lznlznfdf pNn]lvt
kbdf a}+ssf] sd{rf/Lx? dWo]jf6} j9'jf ug'{ kg]{ cj:yf ePdf pkljlgod -!_ df pNn]v ul/Psf] cjlw k'/f
gu/]sf] jf j9'jf x'g] kb eGbf Ps tx tNnf] kbdf sfd gu/]sf] dfq sf/0fn] To:tf] kbdf j9'jf ug{ jfwf
k'u]sf] dflgg]5}g .
%! a9'jfsf cfwf/x? M sfo{ ;Dkfbg d"NofÍgå./f a9'jf ul/g] l/Qm kbx?df a9'jfsf] nflu ;+efJo
pd]bjf/x?nfO{ cg';"rL $ adf]lhdsf] ef/fÍsf] cfwf/df d"NofÍg ul/ a9'jf ug]{5 .
%@= a9'jfsf] ;"rgf k|sfzg M sfo{ ;Dkfbg d"NofÍgå./f k"lt{ ug'{kg]{ kbsf] a9'jf k|lqmof z'? ubf{ a9'jfsf] nflu
;DefJo ;a} pd]b\jf/x?n] hfgsf/L kfpg] u/L ;"rgf k|sfzg ug'{ kg]{5 .
%#= k|fKtfÍsf] hfgsf/L lbg'kg]{ M -!_ o; ljlgodfjnL adf]lhd sfo{ ;Dkfbg d"NofÍgåf/f a9'jfsf] cfwf/x?dWo]
sfo{ ;Dkfbg d"NofÍg afx]s cGo cfwf/x? afkt kfPsf] cÍ a9'jfsf] nflu ;DefJo pd]bjf/x?nfO{ hfgsf/L
lbg'kg]{5 .
-@_ pk–ljlgod -!_ adf]lhd pd]b\jf/n] kfPsf] cÍdf lrQ ga'em]df ;"rgf k|sfzg ePsf] ldltn]
;ft lbgleq cfkm"nfO{ lrQ ga'em]sf] s'/fsf] k|df0f ;lxt k|zf;g ljefudf lgj]bg k]z ug'{kg]{5 .
%$= a9'jfsf] l;kmfl/z M dfgj ;+;fwg ;ldltn] ljlgod %! df pNn]lvt d"NofÍg a9'jfsf] cfwf/x?sf] d"NofÍg
u/L] a9L cÍ k|fKt ug]{ pd]b\jf/nfO{ qmdfg';f/ a9'jfsf] nflu l;kmfl/z ug]{5 .
17
%%= a9'jfsf] gfdfjnL k|sfzg M dfgj ;+;fwg ;ldltn] a9'jf x'g]x?sf] gfd sfo{sf/L k|d'v ;dIf k]z u/]kl5
To;/L l;kmfl/z ePsf pd]b\jf/x?sf] gfdfjnL ;DalGwt ;a}sf] hfgsf/Lsf] nflu ;"rgf kf6Ldf 6fF; ug'{
kg]{5 .
t/, d"NofÍgå./f a9'jfsf] gfdfjnL k|sfzg ubf{ l;kmfl/z x'g] clGtd pd]b\jf/n] k|fKt u/]sf] s'n
cÍ ;d]t pNn]v ug'{ kg]{5 .
%^= a9'jfsf] nflu pd]/sf] xb gnfUg] M a9'jfsf] nflu pd]b\jf/ x'g sd{rf/LnfO{ pd]/sf] xb nfUg] 5}g .
%&= a9'jfsf] nflu of]Uo JolQm gePdf Joj:yf M a9'jfåf/f k"lt{ ul/g] kbx?sf] nflu a}+sleq of]Uo JolQm pknJw
gePdf To:tf kbx?df ;ldltsf] lg0f{oåf/f v'Nnf k|ltof]lutfaf6 k"lt{ ug{ ;lsg]5 .
kl/R5]b – ^
JolQmut clen]v tyf sfo{ ;Dkfbg d"Nof°g ;DaGwL Aoa:yf
%*= clen]v /fVg'kg]{ M k|To]s sd{rf/Lsf] gfd, y/, pd]/, jtg, gful/stf, z}lIfs of]Uotf, tflnd, lgo'lQm ldlt,
cg'ej, k'/:sf/ Pj+ ;hfo h:tf s'/fx? ;d]t vf]nL k|zf;g ljefun] tf]lsPsf] 9fFrfdf clt uf]Ko ?kdf
clen]v /fVg]5 .
%(= sfo{ ljj/0f M k|To]s sd{rf/Lsf] :ki6 st{Jo tyf lhDd]jf/L v'Ng] u/L kb cg';f/sf] sfo{ ljj/0f tof/
ul/g]5 . ljefuLo k|d'vn] cfkm" dftxtsf sd{rf/Lsf] sfo{ ljj/0f Ps k|lt cfk"m;+u /fvL csf]{ k|lt ;DalGwt
sd{rf/LnfO{ lbO{g]5 . k|To]s sd{rf/Ln] o;/L k|fKt cfˆgf] sfo{ ljj/0fsf] k|lt cfkm";+u ;w} ;'/lIft ?kdf
/flv ;f] cg'?k sfo{ ;Dkfbg ug'{ kg]{5 .
^)= sfo{ ;Dkfbg d"Nof+sg M -!_ ljlgod $( sf] k|of]hgfy{ k|To]s sd{rf/Lsf] sfo{ ;Dkfbg d"NofÍg jif}{ lkR5]
cfly{s jif{ ;dfKt x'gf;fy ;'kl/j]Ifs, cg'df]bgstf{ / k'g/fjnf]sg ;ldltaf6 ul/g]5 . o:tf] sfo{ ;Dkfbg
d'NofÍg ;ldltn] ;do ;dodf tf]s]sf] dfkb08 tyf a:t'ut cfwf/df ul/g]5 .
-@_ kb cg';f/sf] ;'kl/j]Ifs, cg'df]bgstf{ / k'g/fjnf]sg ;DaGwL Joj:yf sfo{sf/L k|d'vn]
ug]{5 . o;/L ;'k/Lj]Ifs cg'df]bgstf{ / k'g/fjnf]sgstf{ ;DaGwL Joj:yf ubf{ ;xof]uL / ;xfos >]0fLsf
sd{rf/Lsf] xsdf Joj:yfksLo >]0fLsf ;DalGwt lgs6td clws[t tyf ;f] eGbf !÷! kb dflysf clws[tn]
/ clws[t txsf] xsdf !÷! kb dflysf clws[t ;'k/Lj]Ifs, cg'dfbgstf{ / k'g/fjnf]sgstf{ x'g]5 .
kl/R5]b – &
cjsfz, pkbfg, ;]jfsf] ;'/Iff tyf pd]/ / gf]s/L cjlwsf] u0fgf ;DaGwL Aoa:yf
^!= clgjfo{ cjsfz M -!_ ^) jif{ pd]/ k"/f u/]sf] sd{rf/LnfO{ a}+ssf] ;]jfaf6 clgjfo{ cjsfz lbOg]5 .
-@_ pk–ljlgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg s'g} sd{rf/Lsf] ;]jf a}+ssf] nflu
cfjZos 5 eGg] 7fg]df sfo{sf/L k|d'vsf] l;kmfl/zdf ;ldltn] To:tf sd{rf/Lsf] ;]jf cjlw Ps k6s jf
k6sk6s u/L a9Ldf kfFr jif{;Dd yk ug{ ;Sg]5 .
-#_ s/f/ ;]jfdf /x]sf] sd{rf/Lsf] xsdf pk–ljlgod -!_ / -@_ df pNn]lvt Joj:yf nfu" x'g]
5}g .
18
^@ cjsfz lbg ;Sg] M -!_ a}+sn] ;]jfsf] s'g} >]0fL jf ;f] cGtu{tsf] s'g} kb vf/]h ug]{
lg0f{o u/]df To:tf] >]0fL jf ;f] cGtu{tsf] s'g} kbdf sfo{/t sd{rf/LnfO{ sDtLdf k}+lt; lbgsf] ;"rgf lbO{
;]jfaf6 cjsfz lbg ;Sg]5 .
t/ s'g} sd{rf/LnfO{ cjsfz lbg] p2]Zon] lgh sfo{/t kb jf >]0fL vf/]h ug{ kfpg] 5}g .
-@_ pk–ljlgod -!_ adf]lhd sd{rf/LnfO{ ;]jfaf6 cjsfz lbFbf To:tf] sd{rf/Lsf] ;]jf cjlw
hlt;'s} jif{ k'u]sf] eP tfklg lghsf] ;]jf cjlwdf kfFr jif{ yk u/L pkbfg kfpg] ePdf ljlgod ^&
adf]lhd pkbfg lbg] u/L ;]jfaf6 cjsfz lbg ;lsg]5 . o;/L ;]jf cjlw yk ubf{ To:tf sd{rf/Lsf] pd]/
;f7L aif{ k'Ug afFsL x'g] ;]jf cjlwdfq yk ul/g]5 .
^#= /fhLgfdf M a}+ssf] ;]jfaf6 /fhLgfdf lbg rfxg] s'g} klg sd{rf/Ln] sfo{sf/L k|d'v ;dIf b]xfo cg';f/
lnlvt lgj]bg k]z ug'{ kg]{5 M–
-s_ k/LIf0fsfndf /x]sf] sd{rf/Ln] @ ;ftf k"j{,
-v_ :yfoL ;]jfdf /x]sf sd{rf/Ln] @ dlxgf k"j{ /
-u_ v08 -s_ / -v_ adf]lhd k"j{ ;"rgf glbO{ /flhgfdf lbPdf k/LIf0fsfndf /x]sf] sd{rf/Lsf]
xsdf b'O{ ;ftfsf] / :yfoL sd{rf/Lsf] xsdf b'O dlxgfsf] tna s§f ul/g]5 .
t/ sfo{sf/L k|d'vn] cfjZos 7fg]df pQm aGb]h x6fpg ;Sg]5 .
^$ :jf:Yosf] cfwf/df cjsfz M a}+såf/f :jLs[t lrlsT;sn] s'g} sd{rf/L] zf/Ll/s jf dfgl;s ?kdf sfd ug{
g;Sg] u/L czQm ePsf] egL l;kmfl/z u/]df lgodfg';f/ kfpg] cGo ;'ljwf ;lxt :jf:Yosf] cj:yfsf]
cfwf/df a9Ldf Ps jif{ a/fa/sf] tna /sd Ifltk"lt{ :j?k lbO{ lghnfO{ cjsfz lbg ;lsg]5 .
^%= avf{:tL M ljlgod *@ sf] pk–ljlgod -!_ sf] v08 -3_ df pNn]lvt cfwf/df s'g} sd{rf/LnfO{ lghsf]
;]jfaf6 av{f:t ug{ ;lsg]5 .
t/ k|lzIffyL{sf ?kdf lgo'Qm tyf k/LIf0fsfndf /x]sf] s'g} sd{rf/Lsf] xsdf lghnfO{ ;]jfaf6
x6fpg k/]df :ki6Ls/0f lng] nufotsf kl/R5]b ( sf] k|lqmof ;d]t k"/f ug{ cfjZos kg]{ 5}g .
^^ kb s6f}tL M ;ldltn] kb ldnfg jf c? s'g} plrt sf/0f ;lxt s'g} kb s6f}tL ug{] lg0f{o ug{ ;Sg]5 .
To:tf] cj:yfdf pQm kbdf axfn /x]sf] sd{rf/LnfO{ csf]{ s'g} pko'Qm sfo{df v6fpg g;lsg] cj:yf ePdf
lghsf] kb s6f}tLdf kg]{5 / lghnfO{ cjsfz lbO{g]5 . kb s6f}tL u/L cjsfz lbO{Psf]df a9Ldf Ps jif{
a/fa/sf] tna Ifltk"lt{ lbO{g]5 .
^&= pkbfg M -!_ kfFr aif{ jf ;f]eGbf a9L ;]jf u/]sf] a}+ssf] :yfoL sd{rf/Ln] cjsfz kfPdf jf /flhgfdf
:jLs[t u/fO{ ;]jfaf6 cnu ePdf jf eljiodf a}+ssf] ;]jfsf] lgldQ cof]Uo g7xl/g] u/L ;]jfaf6 x6fO{Pdf
lghnfO{ b]xfo adf]lhd pkbfg lbOg]5 M–
-s_ % jif{ b]lv !) jif{ ;Dd ;]jf cjlw k"/f u/]sf] sd{rf/LnfO{ lghn] vfOkfO{ cfPsf] tnjsf]
cfwf/df k|ltjif{ ! dlxgfsf] tna,
-v_ !) jif{ b]lv !% jif{ ;Dd ;]jf cjlw k"/f u/]sf] sd{rf/LnfO{ lghn] vfOkfO{ cfPsf] tnjsf]
cfwf/df k|ltjif{ 8]9 dlxgfsf] tna,
19
-u_ !%| jif{ b]lv @) jif{ ;Dd ;]jf cjlw k"/f u/]sf] sd{rf/LnfO{ lghn] vfOkfO{ cfPsf]
tnjsf] cfwf/df k|ltjif{ @ dlxgfsf] tna,
-3_ @) jif{ eGbf jl9 ;]jf cjlw k"/f u/]sf] sd{rf/LnfO{ lghn] vfOkfO{ cfPsf] tnjsf]
cfwf/df k|ltjif{ ;fF9] b'O{ dlxgfsf] tna,
-@_ s'g} sd{rf/Lsf] d[To' ePdf lghn] pkljlgod -!_ adf]lhd kfpg] pkbfgsf] /sd d[ts
sd{rf/Ln] s;}nfO{ O{R5fOPsf]df lghnfO{ / O{R5fOPsf] /x]g5eg] lghsf] glhssf] xsjfnfnfO{ lbO{g]5 .
-#_ pkljlgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg a}+ssf] ;]jfaf6 avf{:t ul/Psf] jf
;DklQ lxgfldgf jf b'?kof]u u/L ;]jf 5f]8]sf] jf ;f]xL sf/0fn] x6fO{Psf] sd{rf/LnfO{ pkbfg k|bfg ul/g] 5}g
.
-$_ sd{rf/LnfO{ pkbfg k|bfg ubf{ lghn] k|fKt u/]sf] tna a[l4 ;d]tsf] clGtd dlxgfsf]
tna e'QmfgLsf] cfwf/df u0fgf ul/g]5 . o;df eQf hf]l8g] 5}g .
-%_ pkbfg e'QmfgLsf] nflu cjlw u0fgf ubf{ jif{ / dlxgf dfq u0fgf ul/g]5. kfFr jif{ eGbf
sd ;]jf u/]sf sd{rf/Ln] pkbfg kfpg] 5}g .
^*= sd{rf/Lsf] ;]jfsf] ;'/Iff M b]xfosf cj:yfsf sd{rf/L afx]s cGo s'g} sd{rf/LnfO{ dgfl;j dflkmssf]
;kmfO{sf] df}sf glbO{ ;]jfaf6 x6fO{g] jf avf{:t ul/g] 5}g M–
-s_ g}lts ktg b]lvg] kmf}Hbf/L cleof]udf cbfntaf6 s;'/bf/ 7xl/Psf],
-v_ DofbL jf s/f/ cGtu{tsf] s'g} kbdf axfn /x]sf],
-u_ efuL kQf gnfu]sf] jf ;Dks{ :yflkt ug{ ;Dej gePsf] s'/fdf kof{Kt cfwf/ ePsf], /
-3_ k|lzIf0f jf k/LIf0fsfndf lgo'Qm sd{rf/Lsf] sfo{ ;Dkfbg ;+tf]ifhgs gePsf] .
^( sd{rf/Lsf] arfp M -!_ s'g} sd{rf/Ln] cfˆgf] cf]xbfsf] sfdsf] l;nl;nfdf cfkm' pk/ s'g} JolQm jf
lgsfoåf/f nufOPsf] cf/f]ksf] ;kmfO{sf] lgldQ JolQmut ?kdf jf sfo{sf/L k|d'vsf] :jLs[lt lnO{ cbfntsf]
;xf/f lng ;Sg]5 . o:tf] ;xf/fsf] lgldQ sfo{sf/L k|d'vn] :jLs[t lbPsf] xsdf lghsf] dgfl;j dflkmssf]
k|lt/Iffsf] Joj:yf a}+sn] ug]{5 .
-@_ pkljlgod -!_ adf]lhd s'g} d'2fsf] k|lt/Iff ubf{ cbfntaf6 clGtd ?kdf ;kmfO{ kfPsf]
cj:yfdf sfg"gL k|lt/Iff afkt ePsf] dgfl;j vr{ lghnfO{ a}+sn] ;f]wegf{ lbg]5 .
&) sd{rf/Lsf] ;]jf zt{sf] ;'/Iff M s'g} klg sd{rf/LnfO{ lghsf] lgo'lQm x'Fbf tTsfn nfu" /x]sf] tna, eQf,
pkbfg / cGo ;'ljwf tyf ;]jfsf zt{x?sf ;DaGwdf lghsf] :jLs[lt a]u/ lghnfO{ k|lts"n c;/ kg]{ u/L
kl/jt{g ul/g] 5}g .
&!= sd{rf/Lsf] pd]/sf] lx;fa M sd{rf/Lsf] pd]/sf] lx;fa ubf{ b]xfo adf]lhd ul/g]5 M–
-s_ a}+ssf] ;]jfdf k|j]z ubf{ k]z ul/Psf] P;=Pn=;L= jf ;f] ;/xsf] kl/Iff pQL0f{ u/]sf]
k|df0fkqdf lsl6Psf] hGd ldltaf6 x'g cfpg] pd]/ .
-v_ v08 -s_ df n]lvP adf]lhdsf] k|df0fkq gePsf sd{rf/Lsf] xsdf lghn] k]z u/]sf]
gful/stfsf] k|df0fkq jf lghn] a}+ssf] ;]jfdf k|j]z ubf{ pNn]v u/]sf] hGd ldltaf6 x'g
cfpg] pd]/ .
20
&@= gf]s/L cjwLsf] u0fgf M -!_ o; kl/R5]bsf] k|of]hgsf] lgldQ gf]s/L cjlwsf] u0fgf ubf{ ljz]if jf
c;fwf/0f ljbf / uon ePsf] cjlwnfO{ u0fgf ul/g] 5}g .
-@_ :yfoL ;]jfdf jxfn /x]sf] sd{rf/Ln] a}+ssf] :jLs[lt lnO{ s'g} kl/Iffdf ;lDdlnt eO{
l;kmfl/z eP cg';f/ lgo'Qm ePdf lghn] a}+ssf] :yfoL kbdf /xL klxn] u/]sf] ;]jf ;d]t c6'6 ;/x u0fgf
ul/g]5 .
kl/R5]b – *
cfr/0f / cg'zf;g ;DaGwL Aoa:yf
&#= ;do kfng / lgoldttf M -!_ sd{rf/Lsf] ;a} ;do a}+ssf] clwgdf x'g]5 / sfof{no k|d'vn] h'g;'s}
;dodf klg lghnfO{ a}+ssf] sfddf nufpg ;Sg]5 .
-@_ sd{rf/Ln] a}+saf6 lgwf{l/t ;dodf lgoldt ?kn] cfˆgf] sfof{nodf xflh/ eO{ sfdsfh
ug'{ kg]{5 / ;s];Dd ljbfsf] k"j{ :jLs[lt glnO{ sfof{nodf cg'kl:yt x'g' x'Fb}g .
&$= cg'zf;g / cf1f kfng M -!_ sd{rf/Ln] ;do ;dodf tf]lsPsf] sfo{ tf]lsPsf] :yfg, ;do /
cj:yfdf cg'zf;gdf /xL cfˆgf] st{Josf] kfngf, kl/>d / tTk/tfsf ;fy ;Dkfbg ug'{ kg]{5 .
-@_ sd{rf/Ln] cfˆgf] sfd ;DaGwL ljifodf cfkm'eGbf dflysf] sd{rf/Ln] lbPsf] cfb]znfO{
zL3|tfsf ;fy ;Dkfbg ug'{ kg]{5 .
-#_ sd{rf/Ln] cfkm'eGbf dflysf ;a} k|lt plrt cfb/ b]vfpg[' kg]{5 / dflyNnf] kbsf
sd{rf/Ln] klg tNnf] kbsf] sd{rf/LnfO{ Gofok"0f{ tyf lzi7tfk"0f{ Jojxf/ ug'{ kg]{5 .
-$_ sd{rf/Ln] a}+ssf] ;Dks{df cfpg] JolQm;Fu gd|tfk"0f{ tyf lzi6tfk"0f{ Jojxf/ ug'{kg]{5 /
Jojxf/, sfo{ tyf 5nkmn ubf{ ;+oldt eO{ ;bfrf/k"j{s tyf cg'zfl;t / ;xof]usf] efjn] ug'{ kg]{5 .
-%_ sd{rf/Ln] sfof{no ;dodf sfof{no xftfleq dfbs jf nfu" kbfy{ ;]jg ug]{, u/fpg], ug{
k|f]T;fxg ug]{ jf dfbs jf nfu' kbfy{ ;]jg ug{ / sfof{no xftfleq h'jf tf; v]Ng] jf sfof{no leq jf
aflx/ To:t} cGo afhL jf ;§fafhL ;DaGwL sfo{ ug{ kfO{g] 5}g .
-^_ sd{rf/Ln] a}+sn] h'g;'s} :yfgdf v6fPdf jf ;?jf u/]df tf]lsPsf] cjlwleq tTk/tfsf
;fy hfg' kg]{5 / s'g} klg sd{rf/Ln] k"j{ :jLs[lt j]u/ cfˆgf] sfddf cg'kl:yt x'g kfpg] 5}g .
-&_ sd{rf/Ln] sfo{ ;+rfngsf] lgldQ ;do ;dodf nfu' ul/Psf P]g, lgod, ljlgod, kl/kq /
Joj:yf Pj+ g]kfn /fi6« a}+s, a}+sn] lbPsf cfb]z lgb]{zgsf] k"0f{ ?kdf kfngf ug'{ kg]{5 .
-*_ Joj:yfkgn] u/]sf] lg0f{odf c;Gt'li6 b]vfO sd{rf/Lx? ljrdf l6sf l6Kk0fL ug{ /
sd{rf/Lx?NffO{ e8\sfpg] sfd ug{ kfOg] 5}g .
-(_ cfˆgf] sfo{ ;Dkfbg ubf{ a}+ssf] >f]t, ;fwg tyf ;DklQ / o;sf u|fxsx?nfO{ cTolws
;]jf / ;'/Iff k|bfg ug]{ x]t'n] ug'{ kg]{5 .
t/ lj/fdL] jf sfa'aflx/s]f cj:yfsf] sf/0f k/L sfddf pkl:yt x'g g;s]sf] cj:yfsf af/]df ljbf
:jLs[t ug]{ clwsf/L laZj:t ePdf cg'kl:yt cjlwsf] ljbf :jLs[t ug{ ;lsg]5 .
&%= OdfGbf/L M sd{rf/Ln] cfˆgf] hjfkmb]xLsf] sfo{ ;Dkfbg ubf{ ;b}j a}+ssf] enf] lrtfO{ OdfGbf/L tyf
akmfbf/Lsf ;fy ug'{ kg]{5 .
&^= Jofkf/ Joj;fo M -!_ clVtof/ k|fKt clwsf/Lsf] k"j{ :jLs[lt ljgf s'g} klg sd{rf/Ln] s'g} lgsfo jf
cGoq sfd ug{ jf Jofkf/, Joj;fo ug{ jf, kmd{sf] lx:;]bf/ aGg kfpg] 5}g .
21
-@_ clVtof/ k|fKt clwsf/Lsf] k"j{ :jLs[lt ljgf s'g} klg sd{rf/Ln] s'g} a}+s, a}+s btf{ ug{ jf
:yfkgf ug{ / s'g} ;fj{hlgs lgsfo, ;+:yf jf JolQmaf6 s'g} lsl;dsf] b:t'/ lng kfpg] 5}g .
-#_ pkljlgod -!_ / -@_ df h'g;'s} s'/f n]lvPsf] eP tfklg ;]jfdf /x]sf sd{rf/Ln]
;flxlTos, snfTds, P]ltxfl;s jf j}1flgs 9+usf] sfo{ ug{ ;Sg]5 .
&& uf]klgotf M -!_ k|rlnt sfg"g cg';f/ lbg' kg]{ ePdf jf lbg jfWo kf/]sf] cj:yfdf afx]s s'g} klg
sd{rf/Ln] a}+s / o;sf Joj;fo;+u ;DalGwt sfuhft, hfgsf/L tyf ;"rgf cGo JolQmnfO{ lbg kfpg] 5}g .
-@_ s'g} sd{rf/Ln] cf]xbfsf] st{Jo kfng ubf{ 1ft x'g cfPsf] s'g} s'/f jf a}+s jf cGo
dfWodaf6 k|fKt u/]sf] jf cfkm'n] n]v]sf] jf ;+slnt u/]sf] s'g} sfuhkq jf ;dfrf/ sfo{sf/L k|d'vsf]
:jLs[lt lagf k|ToIf jf ck|ToIf ?kaf6 a}+ssf] cglws[t sd{rf/L jf aflx/sf JolQm, k|];, /]l8of] jf
6]lnlehgnfO{ k|ToIf jf ck|ToIf ?kn] ;+s]t jf k|s6 ug{ kfpg] 5}g .
-#_ pkljlgod -@_ sf] Joj:yf a}+ssf] ;]jf 5f]8]/ uPsf] ca:yfdf klg nfu' x'g]5 .
&*= /fhgLlt jf r'gfjdf efu lng gx'g] M sd{rf/Ln] /fhgLltdf efu lng tyf /fhg}lts kbsf] nflu x'g]
lgjf{rgdf efu lng jf s;}sf] lgldQ dt dfUg jf s'g} k|sf/n] k|efj kfg{ x'Fb}g .
t/ k|rlnt sfg"g adf]lhd cfkm'n] kfPsf] ;+u7g ug]{ tyf dtbfg ug]{ clwsf/ k|of]u ug{ tyf
k]zfut ;+u7g -h:t} g]kfn jf/ P;f]lzog, g]kfn d]l8sn P;f]lzog, g]kfn rf6{8{ Psfp06]6 P;f]lzog,
g]kfn Joj:yfkg ;+3, g]kfn k|fWofks ;+3 cflb_ df k|ltlglwTj ug{ o; ljlgodn] afwf k'¥ofPsf] dflgg] 5}g
.
&( k|ltlglwTj ug{df k|ltaGw M k|rlnt sfg"g adf]lhd afx]s sd{rf/Ln] cfkm'nfO{ dsf{ k/]sf] ljifodf c?
sd{rf/L jf ;d"xsf] tkm{af6 jf jf/];åf/f ;DalGwt lgsfo jf kbflwsf/L ;dIf lgj]bg lbg k|ltlglwTj ug{
kfpg] 5}g .
*)= k|bz{g / x8tfn ug{df k|ltaGw M k|rlnt sfg"g adf]lhd cfˆgf] xs clwsf/sf] k|of]u ug]{ afx]s sd{rf/Ln]
b]zsf] ;fj{ef}d;Qf, cv08tf, zflGt ;'/Iff, j}b]lzs ;DaGw, ;fj{hlgs dof{bf, cbfntsf] lg0f{osf] cjx]ngf
/ s'g} ck/fwnfO{ k|>o x'g] u/L k|bz{g ug{, x8tfndf efu lng jf ;f] sfo{ ug{ jf ;f]sf] nflu c?nfO{
pS;fpg ;d]t kfpg] 5}g .
*! ;hfosf] efuL x'g] M sd{rf/Ln] o; kl/R5]bdf n]lvPsf] s'g} s'/f pNn+3g u/]df lgh o; ljlgodfjnLsf]
kl/R5]b ( adf]lhd ;hfosf] efuL x'g]5 .
kl/R5]b – (
cg'zf;gsf] sf/jfxL ;DaGwL Aoa:yf
*@= cg'zf;gsf] sf/jfxLsf cfwf/x? M -!_ o; ljlgodfjnLsf] cfr/0f / cg'zf;g ;DaGwL ljlgodx?sf]
pNn+3g ug]{ jf cfˆgf] st{Jo /fd|f];Fu lgjf{x gug]{ sd{rf/LnfO{ o; ljlgodfjnLsf cGo k|fjwfgx?sf]
k|lts"n gx'g] u/L klxnf] k6s ;r]t u/fpg ;lsg]5 . o:tf] ;r]t u/fpFbf klg c6]/ ug]{ sd{rf/LnfO{ plrt
/ kof{Kt sf/0f ePdf b]xfo adf]lhdsf] ;hfo ug{ ;lsg]5 M–
22
-s_ r]tfjgL jf gl;xt lbg] M b]xfosf] cj:yfdf sd{rf/LnfO{ r]tfjgL jf gl;xt lbg
;lsg]5M–
-!_ cfkm"eGbf dflyNnf] tx, ;dfg tx jf tNnf] txdf /x]sf sd{rf/L;+u b'Jo{jxf/
u/]sf] kfOPdf .
-@_ ;DalGwt ljefuLo k|d'vsf] k"j{ cg'dlt glnO{ ;dodf sfof{no gcfpg] jf
sfof{no ;dod} sfof{no 5f]8\g] u/]sf] kfOPdf .
-#_ u|fxs;+u e'm7\7f, ceb| jf clzi6 Jojxf/ u/]sf] kfOPdf .
-$_ Joj:yfkgn] u/]sf] lg0f{odf c;Gt'li6 b]vfO sd{rf/Lx? ljrdf l6sf l6Kk0fL ug]{
/ sd{rf/Lx?NffO{ e8\sfpg] sfd u/]df .
-v_ tna a[l4 /f]Ssf, tna a[l4 -u|]8_ 36'jf, :yfoL lgo'lQm jf a9'jf /f]Ssf ug]{ M s'g}
sd{rf/Ln] b]xfosf sfo{ u/]sf] kfOPdf lghsf] tna a[l4 /f]Ssf, tna a[l4 -u|]8_ 36'jf,
:yfoL lgo'lQm jf a9'jf /f]Ssf ug{ ;lsg]5 M–
-!_ nuftf/ tLg jf ;f] eGbf a9L k6s ;DalGwt ljefuLo k|d'vn] lbPsf] df}lvs jf
lnlvt cfb]z, lgb]{zgsf] pNn+3g u/]df /÷jf tf]lsPsf] lhDd]jf/L k"/f gu/]df
-@_ ljefuLo k|d'vsf] af/Daf/sf] dfu{bz{g kl5 klg cfˆgf] sfo{ ;Dkfbg :t/ a[l4
ug{ g;s]df / lghsf] sfo{ ;Dkfbg d"NofÍgdf sDtLdf krf; k|ltzt c+s k|fKt
gu/]df,
-#_ cfrf/0f tyf cg'zf;g ;DaGwL ljlgodx?sf] af/Daf/ pNn+3g u/]df,
-$_ ljbf :jLs[t gu/fO{ af/Daf/ sfof{nodf cg'kl:yt ePdf,
-%_ ;?jf ul/Psf]÷v6fOPsf] sfof{nodf tf]lsPsf] ;doleq xflh/ gePdf,
-^_ tLg k6s;Dd gl;xt kfPdf .
-u_ ;'ljwf ;lxt ;]jfaf6 x6fpg] M b]xfosf cj:yfdf s'g} klg sd{rf/LnfO{ ;'ljwf kfpg] u/L
a}+ssf] ;]jfaf6 x6fpg ;lsg]5 M–
-!_ a}+sdf jf ;f] eGbf aflx/ uDeL/ k|s[ltsf] v/fj cfr/0f u/]df,
-@_ sfof{no ;dodf dfbs kbfy{÷nfu" kbfy{ ;]jg u/]df jf dfbs kbfy{{÷nfu" kbfy{
;]jg u/L sfof{no cfPdf,
-#_ cfkm"eGbf dflyNnf], ;dfg jf cfkm"eGbf tNnf] txsf] sd{rf/L lj?å ceb| jf
cfqmfds sfd s'/f u/]df,
-$_ af/Daf/ cg'zf;g tyf cfrf/ ;+lxtfsf] pNn+3g u/]sf] sf/0f a}+snfO{ lghsf]
;]jf cfjZos gePsf]] Joxf]/f cg'zf;g ;DaGwL sf/jfxL ug]{ clwsf/Ln] 7fgL
x6fpg l;kmfl/z u/]df,
-%_ uf]Kotfsf] zkysf] pNn+3g u/]df,
-^_ nuftf/ b'O{ k6s;Ddsf] sfo{;Dkfbg d'NofÍg kmf/fddf Go"gQd ?kdf x'g' kg]{
sfo{;Dkfbg bIftf ePsf] gkfOPdf,
-&_ ljlgod $@ sf] pk–ljlgod -@_ adf]lhd ;?jf cfb]zsf] kfngf gu/]df,
-*_ nuftf/ ;ft lbg jf Ps jif{df tL; lbg uon ePdf .
23
-(_ sd{rf/Lsf] unt lqmofsnfkn] ubf{ a}+ssf] zfvdf jf lxtdf wSsf nfUg] ePdf jf
tL sd{rf/LnfO{ ;]jfdf /fvL /x+bf a}+snfO{ xfgL gf]S;fgL x'g] ;Defjgf ePdf .
-3_ a}+ssf] ;]jfaf6 avf{:tL M b]xfosf cj:yfdf sd{rf/LnfO{ s'g} klg ;'ljwf glbO{ a}+ssf]
;]jfaf6 avf{:t ug{ ;lsg]5 M–
-!_ l/;jt lnPdf jf cfkm"nfO{ u}/ sfg"gL kmfObf k'Ug] sfo{ u/L a}+snfO{ xfgL gf]S;fgL
k'¥ofPdf jf ;f] sfddf ;+nUg ePdf,
-@_ em"7f] of]Uotf jf k|df0fkq k]z u/L ;]jfdf k|j]z u/]sf] kfOPdf,
-#_ kmf}hbf/L ck/fwdf cbfntaf6 ;hfo kfPdf,
-$_ a}+ssf] ;DklQ /÷jf sf]ifsf] b'?kof]u u/]df .
-@_ o; ljlgoddf cGoyf n]lvPsf] cj:yfdf afx]s s'g} klg sd{rf/LnfO{ ;hfo lb+bf
;'g'jfOsf] plrt cj;/ lbOg]5 . gl;xt lbFbf klxnf] k6snfO{ ljlgod *^ adf]lhd :ki6Ls/0fsf] df}sf
lbg'kg]{ 5}g .
-#_ s'g} sd{rf/Lsf] uDeL/ nfk/jfxL jf x]nr]S¥ofO{af6 a}+snfO{ Iflt k'Ug uPdf pQm Ifltsf]
s]xL jf ;a} lx:;f lgh sd{rf/Laf6 c;'n ug]{ clwsf/ a}+snfO{ x'g]5 .
*#= cg'zf;g sf/jfxLsf] k|lqmof / clwsf/L M -!_ s'g} klg sd{rf/Ldfly cg'zf;gsf] sf/jfxLsf] z'?jft
ljefuLo k|d'vaf6 x'g]5 / b]xfosf] ;hfo b]xfo cg';f/sf cg'zf;g clwsf/Laf6 x'g]5 M–
-s_ ;r]t u/fpg]÷r]tfjgL jf gl;xt lbg] – ljefuLo k|d'v
-v_ tna a[l4 /f]Ssf, tna a[l4 -u|]8_ 36'jf,
:yfoL lgo'lQm jf a9'jf /f]Ssf jf ljQLo
;+:yfsf] ;]jfaf6 x6fpg] jf avf{:tL ug]{ – sfo{sf/L k|d'v
-u_ ljefuLo k|d'v pk/ v08 -s_ / -v_ cg';f/sf]
sf/jfxL ug]{ – sfo{sf/L k|d'v
*$ hfFra'em M clVtof/ k|fKt clwsf/Ln] cfjZos 7fg]df s'g} sd{rf/Ldfly nufO{Psf] cleof]usf] ;DaGwdf
sfo{sf/L k|d'vsf] :jLs[lt lnO{ hfFra'em u/fpg ;Sg]5 . hfFra'em ug]{n] ;a'b k|df0f cWoog u/L pko'Qm
;hfoFsf] 7x/ ;lxt k|ltj]bg k]z ug'{kg]{5 .
*% hfFra'em ug]{ clwsf/Ln] ckgfpg] sfo{ljlw M -!_ hfFra'em ug]{ clwsf/LnfO{ b]xfosf] sfo{ljlw ckgfO{
ljefuLo hfFra'emsf] sf/afxL rnfpg] clwsf/ x'g]5 M–
-s_ aofg u/fpg], lnlvt k|df0fx? bflvnf u/fpg] / ;fIfLsf] gfddf kq hf/L ug]{,
-v_ cleof]u nfu]sf] sd{rf/Lsf] /f]xa/df ;a'b k|df0f a'em\g], /
-u_ cleof]u nfu]sf] sd{rf/LnfO{ ;fIfL;Fu lh/x ug{ / cleof]u lj?4 ;a'b k|df0f bflvnf ug{
df}sf lbg] .
-@_ pkljlgod -!_ adf]lhdsf] hfFra'emsf] sfd ;lsPkl5 cfb]z lbg kfpg] clwsf/L ;dIf
hfFra'em ug]{ clwsf/Ln] k|ltj]bg k]z ug'{ kg]{5 . lghn] To:tf] k|ltj]bgdf ;hfo ;DaGwL sf/0f ;lxtsf]
cfˆgf] 7x/sf] ;fy} hf] ePsf] ;a'b k|df0f klg bflvnf ug'{ kg]{5 .
24
*^ ;hfFo ;DaGwL sfo{ljlw M -!_ ;hfoF lbg] clwsf/Ln] s'g} klg sd{rf/LnfO{ ;hfoF ug'{ eGbf cufl8
;hfoF lbg' kg]{ sf/0f pNn]v u/L k|:tfljt ;hfoF lsg gug]{ egL sDtLdf # lbgsf] Dofb lbO{ lghnfO{ lnlvt
?kdf :ki6Ls/0f k]z ug]{ df}sf lbg' kg]{5 . o;/L :ki6Ls/0fsf] ;"rgf lb+bf lghn] kq ga'em]df ;f]sf] k|df0f
;lxt d'r'Nsf agfO{ k|dfl0ft u/L /fVg' kg]{5 .
-@_ b]xfosf cj:yfsf sd{rf/LnfO{ ;]jfaf6 x6fpbf jf avf{:t ubf{ pkljlgod -!_ adf]lhdsf]
sfo{ljlw ckgfpg' kg]{5}g M−
-s_ k/LIf0fsfndf sfo{;Dkfbg ;Gtf]ifhgs gePsf],
-v_ s/f/ jf c:yfoL kbdf lgo'Qm sd{rf/L,
-u_ g}lts ktg b]lvg] kmf}Hbf/L cleof]udf ;hfFo kfPsf] .
-#_ clVtof/ k|fKt clwsf/Ln] cfjZos 7fg]df s'g} sd{rf/LnfO{ nufO{Psf] cf/f]ksf] ;DaGwdf
hfFra'em ;ldlt u7g u/L hfFra'em u/fpg ;Sg]5 .
-$_ s'g} klg kl/l:yltdf slgi7 tx jf kbsf] sd{rf/LnfO{ lgheGbf dflyNnf] tx jf kbsf]
sd{rf/Lsf] af/]df 5fgljg ug{ jf cg'zf;gsf] sf/jfxL ug{ v6fOg] 5}g .
-%_ s'g} vf; ;hfFosf]nflu :ki6Ls/0f dfu ePsf]df sd ;hfFo ug{ k'gM :ki6Ls/0f lng' kg]{
5}g .
*&= lgnDag / clgjfo{ ljbf M cg'zf;gsf] sf/jfxL rnfOPsf] s'g} klg sd{rf/LnfO{ lgnDagdf /fVg ;lsg]5 jf
To:tf] sd{rf/LnfO{ sfo{sf/L k|d'vn] clgjfo{ ljbfdf a:g cfb]z lbg ;Sg]5 .
**= lgnDag / ;kmfO{sf] df}sf M -!_ ljlgod *@ df n]lvPsf] s'g} cleof]usf] hfFra'em ug'{ k/]df clVtof/
k|fKt clwsf/Ln] b]xfosf] s'g} cj:yfdf sd{rf/LnfO{ lgnDagdf /fvL sf/jfxL ug{ ;Sg]5 M–
-s_ lgnDag gu/L cf]xbfsf] sfd ug{ lbFbf em'§f ;a't k|df0f ;+sng ug{ ;Sg] jf cfkm" lj?4sf]
;a'b k|df0f ufoa ug{ ;Sg] ;Defjgf b]lvPdf, jf
-v_ lgnDag gu/L cf]xbfsf] sfd ug{ lbFbf a}+snfO{ xfgL gf]S;fgL x'g] ;Defjgf b]lvPdf .
-@_ s'g} sd{rf/LnfO{ lgnDag ug'{ k/]df clVtof/ k|fKt clwsf/Ln] lgnDag kq / ;kmfO{ k]z
ug{ n]lvPsf] kq ;DalGwt sd{rf/LnfO{ a'emfpg' kg]{5 .
*(= :jtM lgnDag x'g] M g}lts ktg b]lvg] kmf}hbf/L cleof]udf lu/km\tf/ e} y'lgPdf To;/L y'gfdf /x]sf]
cjlw;Dd tyf /fHosf] s'g} lgsfon] s'g} sd{rf/L lj?å k|rlnt g]kfn sfg"g adf]lhd cbfntdf e|i6frf/sf]
d'2f bfo/ u/]df lgh :jtM lgnDagdf k/]sf] dflgg] 5 .
() lgnDagsf] cjlw M s'g} sd{rf/LnfO{ ljlgod ** jdf]lhd lgnDag ubf{ ;fwf/0ftof tLg dlxgfeGbf a9L
lgnDag u/L /fVg' x'Fb}g .
t/ s'g} sf/0fj; pQm cjlwleq sf/jfxL lsgf/f nufpg g;lsg] ePdf ljlgod (@ df pNn]lvt
k'g/fj]bg ;'Gg] clwsf/Lsf] k"j{ :jLs[lt lnO{ yk Ps dlxgf;Dd lgnDagsf] cjlw a9fpg ;lsg]5 .
25
(! lgnDagsf] ;dfKtL M lgnDagdf ePsf] sd{rf/Ln] ;kmfO{ jf ;hfo kfPkl5 lghsf] lgnDag :jtM ;dfKt
x'g]5 .
(@= k'g/fj]bg / k'g/fj]bgsf] sfo{ljlw M -!_ cfk"mn] kfPsf] ;hfoFdf lrQ ga'em\g] sd{rf/Ln] ljefuLo k|d'vaf6
;hfoF ePsf]df sfo{sf/L k|d'v ;dIf / sfo{sf/L k|d'vaf6 ;hfoF kfPsf]df ;ldlt ;dIf k'g/fj]bg k]z ug{
;Sg]5 .
-@_ k'g/fj]bg lbFbf b]xfo adf]lhdsf] sfo{ljlw kfngf ug'{ kg]{5 M–
-s_ sd{rf/Ln] ;hfosf] cfb]z k|fKt u/]sf] ldltn] k}+lt; lbgleq k'g/fj]bg lbg' kg]{,
-v_ k'g/fj]bg ug]{ sd{rf/Ln] cfˆgf] gfdaf6 k'g/fj]bg lbg' kg]{,
-u_ k'g/fj]bg ug]{ sd{rf/L]n] cfˆgf] ;kmfO{sf] lgldQ hf] ePsf] ;a't k|df0f /fvL plrt /
cfb/;"rs efiffdf k'g/fj]bg lbg'kg]{ / k'g/fj]bgsf] ;fydf h'g cfb]zsf] lj?4 k'g/fj]bg
lbPsf] xf] ;f] cfb]zsf] gSsn klg ;+nUg ug'{ kg]{,
-3_ k'g/fj]bg ug]{ sd{rf/Ln] JolQm ljz]if jf c?nfO{ ;Daf]wg gu/L k'g/fj]bg ;'Gg]
clwsf/LnfO{ g} ;Daf]wg ug'{ kg]{, /
-ª_ k'g/fj]bg lbg] sd{rf/Ln] cfˆgf] lhls/ k'g/fj]bgdf :ki6?kdf pNn]v ug'{ kg]{ .
(#= k'g/fj]bg ;'Gg] clwsf/Ln] ckgfpg'kg]{ sfo{ljlw M -!_ k'g/fj]bg ;'Gg] clwsf/Ln] b]xfosf] s'/f ljrf/ ug'{
kg]{5 M–
-s_ h'g cleof]u nufO{ ;hfo lbPsf] xf] ;f] k|dfl0ft ePsf] 5 5}g,
-v_ k]z ul/Psf k|df0fx? ;hfo ug{sf] lgldQ kof{Kt 5g\ 5}gg\, /
-u_ ;hfo pko'Qm 5 5}g .
-@_ k'g/fj]bg ;'Gg] clwsf/Ln] ;hfoFsf] cfb]z sfod /fVg jf 36fpg jf ab/ ug{ ;Sg]5 .
($= k'g/fj]bgsf] lg0f{o M -!_ k'g/fj]bg ;'Gg] clwsf/Ln] k'g/fj]bg u/]sf] ldltn] k}lt; lbgleq lg0f{o lbO{
;Sg'kg]{5 . k'g/fj]bg ;'Gg] clwsf/Ln] k'g/fj]bg ;DaGwdf u/]sf] lg0f{osf] hfgsf/L k'g/fj]bsnfO{ lbO{g]5 .
-@_ k'g/fj]bg ;'Gg] clwsf/Ln] lbPsf] lg0f{o clGtd x'g]5 .
(%= k'g/fj]bgsf] vf/]hL M -!_ ljlgod (@ adf]lhdsf] /Lt gk'u]sf] cj:yfdf k'g/fj]bg ;'Gg] clwsf/Ln]
k'g/fj]bg vf/]h ug{ ;Sg]5 .
-@_ pkljlgod -!_ adf]lhd s'g} k'g/fj]bg vf/]h ul/Pdf vf/]h ug]{ clwsf/Ln] vf/]h ugf{sf]
sf/0f k'g/fj]bsnfO{ ;"lrt ug['{ kg]{5 .
(^= ;]jfdf k'gM sfod M -!_ o; kl/R5]b adf]lhd s'g} sd{rf/LnfO{ a}+ssf] ;]jfaf6 x6fpg] jf avf{:t ug]{
cfb]z /2 ePdf lghnfO{ h'g kbaf6 x6fO{Psf] jf avf{:t ul/Psf] xf] ;f]xL kbdf k'gM sfod ul/g]5 . o;/L
;]jfaf6 x6fpg] jf avf{:t ug]{ cfb]z /2 ePdf ;f] lg0f{osf] ;"rgf kfPsf] ldltn] Ps dlxgfleq ;DalGwt
JolQm a}+sdf xflh/ x'g cfPdf lghnfO{ ;]jfdf k'gM sfod ul/g]5 .
-@_ pkljlgod -!_ adf]lhdsf] Dofbleq xflh/ x'g gcfpg] sd{rf/LnfO{ ;]jfdf k'gM sfod
ul/g] 5}g .
26
-#_ a}+saf6 cjsfz lbOPsf] jf x6fOPsf] jf avf{:t ul/Psf] s'g} sd{rf/L ;]jfdf k'gM sfod
ePdf ;f]lx cfb]z adf]lhd ul/g]5 .
kl/R5]b – !)
ljljw
(&= hf]lvd jLdf M gub, lwtf] /÷jf ax'd"No j:t'x?sf] sf/f]jf/ ug]{ sd{rf/LnfO{ sfdsf] hf]lvdtf jfkt
OdfGbf/Ltf jLdf -lkm8]ln6L OG:o"/]G;_ u/fO{g]5 / a}+sn] pQm jLdfsf] lk|ldod e'QmfgL ug]{5 .
(*= yk z}lIfs of]Uotfsf] k|df0f–kq k]z ug'{ kg]{ M sfo{/t sd{rf/Ln] ;]jf k|j]z ubf{ k]z u/]sf z}lIfs of]Uotf
jfx]s cGo s'g} z}lIfs of]Uotf xfl;n u/]sf] 5 dlxgfleq cfˆgf] z}lIfs of]Uotfsf] ;Dk"0f{ ljj/0f ;DalGwt
sfof{no dfkm{t k|zf;g ljefudf k]z u/L ;Sg' kg]{5 .
(( k|zf;sLo cfb]z lbg] clwsf/L M a}+ssf] sfo{sf/L k|d'v k|zf;sLo cfb]z lbg] clwsf/L x'g]5 . To:tf]
cfb]zsf] kfngf ug'{ a}+ssf k|To]s sd{rf/Lsf] st{Jo x'g]5 . sfo{sf/L k|d'vn] of] ljlgodfjnL sfof{Gjog
u/fpg cfjZos k|lqmof tyf 9fFrfx? tof/ u/L nfu" ug{ ;Sg]5 .
!))= ljlgodfjnLsf] JofVof ug]{ clwsf/L M o; ljlgodfjnLsf] s'g} k|fjwfgsf] ;DaGwdf låljwf pTkGg ePdf
pQm ljifo JofVofsf] nflu ;ldltdf k]z ul/g]5 / ;ldltn] u/]sf] JofVof clGtd x'g]5 .
!)!= ljlgodfjnLdf ;+zf]wg M ;ldltn] g]kfn /fi6« a}+ssf] :jLs[lt lnO{ o; ljlgodfjnLdf cfjZostf cg';f/
;+zf]wg ug{ ;Sg]5 .
t/ cg';"rLdf ;+zf]wg ug{ k/]df ;ldltn] cfjZos ;+zf]wg u/L g]kfn /fi6« a}+snfO{ hfgsf/L
u/fpg' kg]{5 .
!)@= clVtof/ k|Tofof]hg M o; ljlgodfjnL adf]lhd cfkm"nfO{ k|fKt clVtof/L ;ldltn] sfo{sf/L k|d'vnfO{
k|Tofof]hg ug{ ;Sg]5 . o:tf] k|Tofof]lht clVtof/L clVtof/ k|fKt ug]{n] cfjZostfg';f/ cfˆgf] hjfkmb]xLdf
a}+ssf cfkm'd'lgsf kbflwsf/LnfO{ k"gM k|Tofof]hg ug{ ;Sg]5 .
!)#= cfb]z, lgb]{zg tyf sfo{ljlw M o; ljlgodfjnLsf] p2]Zo sfof{Gjog ug{ sfo{sf/L k|d'vn] cfjZos cfb]z
tyf lgb]{zg hf/L ug{ / ;f] k|of]hgsf] nflu cfjZos sfo{ljlw agfO{ nfu' ug{ ;Sg]5 .
!)$= vf/]hL / arfp M -!_ lsi6 dr]{06 a}+lsË P08 kmfOgfG; lnld6]8sf] sd{rf/L ;]jf zt{ / ;'ljwf
;DjGwL ljlgodfjnL, @)^% vf/]h ul/Psf] 5 .
-@_ pkljlgod -!_ adf]lhd vf/]h ul/Psf] ljlgodfjnL cGtu{t eP u/]sf ;a} sfd sf/jfxL
o;} ljlgodfjnL adf]lhd eP u/]sf] dflgg] 5 .
-#_ o; ljlgodfjnLdf n]lvPsf] s'g} klg s'/fn] o; ljlgodfjnLdf pNn]v gePsf] s'/fdf
;ldltaf6 lg0f{o lng afwf k'¥ofPsf] dflgg] 5}g .
27
cg';"rL – !
-ljlgod % pkljlgod -@_ ;+u ;DalGwt_
;+:yfut kb ;+/rgf
a}+ssf] ;+:yfut kbsf] ;+/rgf b]xfocg';f/ x'g]5, h;nfO{ ;ldltn] ;do ;dodf x]/km]/ ug{ ;Sg]5 M− -s_ Joj:yfksLo >]0fL M o; >]0fL cGtu{t b]xfo cg';f/sf txut kbx? x'g]5g\ M−
sfo{sf/L k|d'v sDkgL ;lrj gfoj dxfk|jGws -tx @_ gfoj dxfk|jGws -tx !_
;xfos dxfk|jGws -tx @_ ;xfos dxfk|jGws -tx !_ jl/i7 k|jGws -tx @_
jl/i7 k|jGws -tx !_ k|jGws -tx @_
k|jGws -tx !_ gfoa k|jGws -tx @_
gfoj k|jGws -tx !_ ;xfos k|jGws -tx @_
;xfos k|jGws -tx !_ -v_ clws[t >]0fL M
jl/i7 clws[t -tx @_ jl/i7 clws[t -tx !_ clws[t -tx @_
clws[t -tx !_ h'lgo/ clws[t -tx @_ h'lgo/ clws[t -tx !_ -u_ ;xfos >]0fL M ;'k/efOh/ -tx @_
;'k/efOh/ -tx !_ ;xfos -tx @_ ;xfos -tx !_ h'lgo/ ;xfos -tx @_ h'lgo/ ;xfos -tx !_ -3_ ;xof]uL >]0fL M rfns tx ! b]lv ^ ;Dd _ lkog÷dfnL -tx ! b]lv ^ ;Dd _ ;'/Iff uf8{
28
cg';"rL – @
-ljlgod !^ ;Fu ;DalGwt_
lgo'lQmsf] nflu rflxg] Go"gtd z}lIfs tyf cGo of]Uotf
a}+ssf] >]0fLut kbx?df lgo'lQmsf] nflu rflxg] Go"gtd z}lIfs tyf cGo of]Uotf b]xfo cg';f/ x'g]5, h;nfO{ ;ldltn]
;do ;dodf x]/km]/ ug{ ;Sg]5 M−
-s_ Joj:yfksLo >]0fL M
sfo{sf/L k|d'v, sDkgL ;lrj, b'j} txsf gfoj dxfk|jGws, ;xfos dxfk|jGws, jl/i7 k|jGws,
k|jGws, gfoj k|jGws / ;xfos k|jGwssf] nflu :gfts jf ;f] ;/xsf] kl/Iff pQL0f{ ePsf] x'g'
kg]{5 .
-v_ clws[t >]0fLM
b'j} txsf jl/i7 clws[t, clws[t, h'lgo/ clws[tsf] nflu :gfts jf ;f] ;/xsf] kl/Iff pQL0f{
ePsf] x'g' kg]{5 .
-u_ ;xfos >]0fL M
-!_ b'j} txsf al/i7 ;xfos, ;xfos / h'lgo/ ;xfossf] nflu k|lj0ftf k|df0fkq jf ;f]
;/xsf] kl/Iff pQL0f{ ePsf] x'g' kg]{5 .
-@_ v08 -v_ / o; v08sf] pkv08 -!_ df tf]lsPsf] z}lIfs of]Uotf afx]ssf cGo of]Uotf /
ljifout of]Uotf sfo{sf/L k|d'vn] dfgj ;+;fwg ;ldltsf] l;kmfl/zdf cfjZostfg';f/
;do ;dodf tf]Sg ;Sg]5 .
-3_ ;xof]uL >]0fL M ;xof]uL >]0fLsf sd{rf/Lsf] Go"gtd of]Uotf cf7 sIff jf ;f] ;/xsf] kl/Iff pQL0f{
u/]sf] x'g' kg]{5 .
29
cg";'rL – #
-ljlgod @! ;+u ;DjlGwt_
zky u|x0f kmf/fdsf] 9f+rf
d ============ =-cfˆgf] gfd_ lsi6 a}+s lnld6]8sf] ;]jfdf lgo'Qm ePsf] x'gfn] dnfO{ tf]lsPsf] sfd d]/f] 1fg, ljj]sn]
hfg]a'em];Dd Odfg, wd{ tyf st{Jo ;DemL b]z / a}+s k|lt akmfbf/ /xL eo, kIfkft / å]if g/fvL nf]enfnr /
df]nflxhfdf gk/L a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# tyf ;f] P]g cGtu{t ag]sf] lgod, ljlgod, lgb]{lzsf,
cfb]z tyf lgb]{zgsf] clwgdf /xL cfˆgf] st{Jo kfngf ug]{5' . ;fy}, d}n] cfˆgf] st{Jo kfngsf] l;nl;nfdf a}+ssf]
sf/f]af/ ;DaGwdf yfxf kfPsf] s'g} klg ;'rgf jf Joxf]/f jf uf]Ko /fVg' kg]{ s'/fx? a}+sn] clwsf/ lbPsf] jf k|rlnt
sfg"gn] afWo kf/]sf] cj:yfdf afx]s cfˆgf] kbdf axfn /x]sf] jf g/x]sf] h'g;'s} cj:yfdf klg k|ToIf jf ck|ToIf
¿kn] cglws[t JolQmnfO{ yfxf lbg] 5}g egL Odfg wd{ ;DemL ;To lgi7fk"js{ zky u|x0f ub{5' .
zky u|x0f ug]{ sd{rf/Lsf]M zky u|x0f u/]sf] k|dfl0ft ug]{ clwsf/Lsf]M
b:tvt M b:tvt M
ldlt M ldlt M
gfd M gfd M
>]0fL M >]0fL M
kb M kb M
tx M tx M
sfof{no M
30
cg';"rL – $
-ljlgod %! ;Fu ;DalGwt_
sfo{ ;Dkfbg d'Nof+sg a9'jfsf] cfwf/x?
-!_ sfo{ ;Dkfbg d'Nof+sg a9'jfsf] cÍ ef/ o; k|sf/ x'g]5 M— -s_ h]i7tf – #) -v_ z}lIfs of]Uotf – !% -u_ sfo{ ;Dkfbg d"NofÍg – !)) -3_ ef}uf]lns If]qsf] cg'ej – % hDdf M !%) -@_ h]i7tfsf] cÍ u0fgf b]xfo cg';f/ x'g]5 M—
-s_ xfn axfn /x]sf] kbdf :yfoL eO{ sfd u/]sf] k|To]s jif{sf] % cÍsf b/n] clwstd cÍ – #)
-v_ xfn axfn /x]sf] kb eGbf ! tx d'lgsf] kbdf :yfoL eO{
sfd u/]sf] k|To]s jif{sf] @ cÍsf] b/n] clwstd cÍ – !) t/ ! jif{ eGbf sd cjlw jf lbgsf] nflu bfdf;fxLn] cÍ lx;fj ul/g]5 . / b'j}sf] s'n of]u #) c+s eGbf jl9 x'g]5}g .
-#_ z}lIfs of]Uotf jfkt b]xfo adf]lhdsf] cÍ lbOg]5 M—
-s_ kbsf] lgldQ tf]lsPsf] Go"gtd z}lIfs of]Uotfsf] nflu lgDgadf]lhd cÍ lbOg] 5M— k|yd >]0fL – !@
låtLo >]0fL – !)
t[tLo >]0fL – *
-v_ kbsf] lgldQ tf]lsPsf] Go"gtd z}lIfs of]Uotf geO{ ;f] eGbf Ps tx d'lgsf] z}lIfs of]Uotf ePsf]df lgDg adf]lhd cÍ lbOg] 5 M—
k|yd >]0fL – &
låtLo >]0fL – ^
t[tLo >]0fL – %
-u_ kbsf] lgldQ tf]lsPsf] Go"gtd z}lIfs of]Uotfsf] cltl/Qm dfgj ;+;fwg ;ldltn] tf]s] adf]lhdsf]
a}+snfO{ pkof]uL x'g] s'g} Ps k]zfut z}lIfs of]Uotf jf Pstx dflysf] of]Uotfsf] nflu Psd'i6 yk
cÍ – #
31
-$_= sfo{ ;Dkfbg d"NofÍg b]xfo cg';f/ ul/g]5 M–
-s_ sfo{ ;Dkfbg d"NofÍg lgb]{lzsfdf tf]lsP cg';f/sf] sfo{ tyf u'0fx?sf] clwstd ef/fÍ !)) x'g]5
. o:tf] cÍ u0fgf ubf{ a9'jfsf] nflu ;DefJo pDd]bjf/ x'gsf] nflu hlt{ jif{ ;]jfsf] cfjZos kg]{
xf] kl5Nnf] Tolt cjlwsf] sfo{ ;Dkfbg ;DaGwL d"NofÍg ljj/0fsf] cf}iftaf6 lx;fj ul/g]5 .
-v_ of] ljlgodfjnLsf] clwgdf /xL sfo{ ;Dkfbg d'NofÍg ;DaGwL Joj:yf sfo{ ;Dkfbg d"NofÍg
lgb]{lzsf cg';f/ x'g]5 . sfo{ ;Dkfbg d'NofÍg ;DaGwL lgb]{lzsf / sfo{ljlw sfo{sf/L k|d'vn] tf]s]
adf]lhd x'g]5 .
-u_ d"NofÍg cjlwdf s'g} sd{rf/L Ps jif{ eGbf a9L cjlwsf] cWoog jf tflnd jf sfhdf uPsf] eP
;f] cjlwsf] sfo{;Dkfbg d'NofÍg jfkt ;f] eGbf 7Ls cl3Nnf] cjlwsf] sfo{;Dkfbg d'NofÍg c+s
a/fa/ c+s k|bfg ul/g]5 .
32
