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foÙkh; lk{kjrk;qok leqnk; ds fy,
FINANCIAL LITERACY FOR YOUNG PEOPLE
(Network for Enterprises Enhancement and Development Support)
House Plot No. 275, Near Charkipahari, Tapovan Road,P.O. Ashram Karnibad, Deoghar - 814143
Jharkhand (INDIA)Tel. : +91-9204060496
E-mail : [email protected] : www.needsngo.in
foÙkh; lk{kjrk;qok leqnk; ds fy,
Page | 2 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
vuqØef.kdk Ekuksxr---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------1
vQykrhumiØe------------------------------------------------------------------------------------------------------------------------------------------------------------2
Hkkx&1% esjh igpku] esjh Hkkouk,¡a] esjs lius] esjk y{;] esjs nksLr] esjh nksLrh] esjk i;kZoj.k]
esjh {kerk,a rFkk lewg dh Hkkouk
eSafdldkdkSu-----------------------------------------------------------------------------------------------------------------------------------------------------------------5
eSagw¡adkSu----------------------------------------------------------------------------------------------------------------------------------------------------------------------------6
gekjhHkkouk,a--------------------------------------------------------------------------------------------------------------------------------------------------------------------8
esjslius------------------------------------------------------------------------------------------------------------------------------------------------------------------------------9
[kjxks’krFkkdNq,dhdgkuh---------------------------------------------------------------------------------------------------------------------------------- 11
rksM+Mkysgenhokjsaviuseudh-------------------------------------------------------------------------------------------------------------------------- 13
izd`frdhnsu]gekjslalk/ku------------------------------------------------------------------------------------------------------------------------------------ 14
Hkkx&2% cPpksa ds vf/kdkj vkSj ftEesnkfj;k¡a] cPpksa dh lEkL;k,a] otg] rFkk fodYi
gekjhj’khnk]gekjktkWu------------------------------------------------------------------------------------------------------------------------------------------- 16
ckyvf/kdkjksadkfp=k------------------------------------------------------------------------------------------------------------------------------------------------ 17
ckyfookfgryM+dhdsthoudk,dfnu------------------------------------------------------------------------------------------------------ 18
Hkkx&3% foRr f'k{kk] tek[kpkZ] fuos'k] vuqekfur ctV] cSad dk dkedkt] ftEesnkj xzkgd
iSlksadk[ksy------------------------------------------------------------------------------------------------------------------------------------------------------------------ 20
cprdsfofHkUujkLrs--------------------------------------------------------------------------------------------------------------------------------------------------- 21
ljyC;ktvkSjpØo`f)C;kTk------------------------------------------------------------------------------------------------------------------------------ 22
esjkvuqekfurctV----------------------------------------------------------------------------------------------------------------------------------------------------- 24
ikfjokfjdvuqekfurctV--------------------------------------------------------------------------------------------------------------------------------------- 25
gekjhcSad------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 26
eSaxzkgd--------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 29
Hkkx&4% lkekftd loky rFkk ifjorZu dh rS;kjh
HkwfedkdkMZ------------------------------------------------------------------------------------------------------------------------------------------------------------------ 31
leL;kdkpqukorFkkfu;kstu¼tehudsfeV~Vhdkcgko½------------------------------------------------------------------------- 33
leL;kdkpqukorFkkfu;kstu¼cky&fookg½----------------------------------------------------------------------------------------------------- 34
foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 3
fiz; fe=kksa]
vQykrhu ifjokj esa vkidk Lokxr gSA vkt rd vQykrwu dk;ZØe Ng ls pkSng lky ds cPpksa ds fy, Ldwyh Lrj ij pyrk jgk gSA bUgha vuqHkoksa ls izsfjr gksdj geus vQykrhu dk;ZØe rsjg ls vBkjg lky ds mez ds cPpksa ds fy, cuk;k gSA Vhu ,t ;g vaxzsth 'kCn gS] ftldk eryc gS] uo;qod@uo;qorh & cM+s gks jgs cPpsA bl mez ds yM++ds rFkk yM++fd;ksa dh [kqn dh igpku] muds lius rFkk muds vkl&ikl ds ekgkSy esa cnyko vkrk jgrk gSA ,d ftEesnkj O;fDr cuus dk vglkl] [kqn ds vf/kdkjksa ,oa ftEesnkfj;k¡ ds izfr voxr gksus ds lkFk cM+s gksdj dqN vyx djus dh pkg iuius yxrh gSA blfy, bu cPpksa ds lkFk dke djrs le; bu eqn~nksa ij fopkj&foe'kZ djuk t#jh gSA ;gh lksp vQykrhu dk;ZØe dk dsUnzfcanq cuk gSA bl mez ds cPpksa ds [kkl lokyksa rFkk muls tqM+s dqN vge lkekftd eqn~nksa ij ,d ifjppkZ djus dh iz;kl bl dk;ZØe ds }kjk dh xbZ gSA blesa uk flQZ ckrksa ij] CkfYd ppkZ ij /;ku fn;k x;k gS] dqN dk;Z djus ij Hkh tksj fn;k x;k gS rkfd cPpksa esa fØ;k'khy lgHkkfxrk ,oa viusa ls 'kq#vkr djus dh Hkkouk mtkxj gksA vQykrhu ukjs ds }kjk ;s cPPks viuh lksp dks c<+kok nsus esa l{ke gksaxsA vQykrhu dh igpku] mls iwjk djus dh dksf'k'k] fu;kstu] fØ;k'khyrk rFkk vFkd iz;kl ds lkFk gh [kqn dk vkSj vkl&ikl ds lekt dk fodkl gks ldrk gS] bl lksp dks dk;e j[kus dh dksf'k'k bl iqfLrdk }kjk dh xbZ gSA bl iqfLrdk dh ewy lksp dks /;ku esa j[kdj vius vuqHkoksa vkSj dYiukvksa dks tksM+dj bl dk;Zdze dks vey esa yk,] rks gh gekjk mn~ns'; lQy gks ldrk gSA bl dk;Zdze dks 'kq# djus esa lcls cM+h fnDdr gSS] mls cM+s gksrs cPpksa ds ilan dk cukukA cpiu dh e/kqj ;knksa ls fudydj tokuh ds nLrd ij [kM+h ;g ih<+h cgqr gh uktqd eksM+ ij gksrh gSA okLrfod #i esa buls okrkZyki djuk ,d vkuannk;h vuqHko gksrk gSA ysfdu muds eu esa mBs lokyksa ds lSykcksa ls tq>uk rFkk muds lokyksa dks lgh fn'kk nsdj tokcksa dks <w<us ads dke esa lg;ksx nsuk] ;g vkSj Hkh dfBu dke cu tkrk gSA lksygoka lky bu cPpksa ds fy, dbZ rjg ls egRoiw.kZ gksrk gSA vyx&vyx fdLe dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus dk liuk fy, ?kqers gSa ;s cPpsA muds liuksa ds jkLrksa dks vklku cukus ds fy, fd;k x;k vQykrhu dk;ZØe] ,d iz;kl gSAvkidk lkFkh
eqjkjh eksgu pkS/kjh
Hkwfedk---
Page | 4 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
vQykrhu
miØe-----
gj,dO;fDresa,dvQykrhuNqikjgrkgSAubZdYiukvksadksmtkxjdjviusthoudkslqanjcukusdhdksf’k’k]oggjO;fDrdjrkjgrkgSAviuslkglrFkkesgurdscycqrsij;gvQykrhu]thoudku;keryc[kkstusdsdkeesages’kkvkxsjgrkgSAblhlksplsthouesacnykodhmEehniSnkgksrhgSAysfdudbZckj;gvQykrhugekjseudsvanjNqikjgrkgS]ftldhgesatkudkjhHkhughagksrhAjkstejkZdhftanxhesa]mls;kndjusdkle;ghughafeyrkAdbZckjbalkulektesagksjgsvU;k;]fo"kerkvksadsf[kykQdqNlkspusdk]fodYi<w<usdkiz;klughadjikrkgSAmlhcjlksaiqjkuhekU;rkvksadksysdjfcukfdlhlokyksa;koSKkfudvk/kkjksadsmUgsaLohdkjrkjgrkgSAbllsbalkudsvanju,lkspdhfpaxkjhejtkrhgSAifj.kkeo'kbalkuviuhftanxhlsek;qlgksdjthrkjgrkgS]ftllslektesadksbZcnykoughavkrkAbllektdhnfd;kuqlhekU;rkvksadkspqukSrhnsusdkdkevQykrhudjrkgSA;gdksf’k’kcgqrghcqfu;knhvkSjvgegSA
vQykrhudkdkeik¡pekU;rkvksaijpyrkgSA
Lo;a dh igpku %
eSaLo;a,dvyxO;fDrgw¡aAesjh,d[kkligpkugSAesjkLoHkko[kklgS];geSatkurhgw¡aAeSaesjhHkkoukvksadksle>djftEesnkjhlsmlsn’kkZrhgw¡AlkFkgheSaeq>esdqNcnykoHkhykuktkurhgw¡AesjsliuksarFkkesjsy{;dkslkdkjdjusdsfy,eq>esaHkjkslkiSnkgksukt#jhgS];geSatkurhgw¡aAizkxfrdlksplseq>sesjsy{;rdigq¡pusesaennfeyrhgSAgkjuekudjdhgqbZdksf’k’keq>sthrfnykrhgSA
esjs vkl&ikl ds ekgkSy ds lkFk esjk fj’rk %
eSaesjslektdk,dfgLlkgw¡aAcnykodsfy,esjsiz;klrFkkekgkSyijfuHkZjgS]D;ksafdbllseSavkSjesjslektijbldkvljgksxkAbllektdslokyksadksfcuklqy>k,esjkthouvkxsughac<+ldrkAesjkfodklHkhbldsfcukeqefduughagSAesjsekgkSyesesjkfodklfNikgS];geq>sirkgksukpkfg,Ablfy,esjslektdscqfu;knhphtksadsizfreq>slEekurFkkI;kjc<+kukgksxkA
lafo/kku &dkuwu dk nk;jk %
gekjslafo/kku]jk"Vªh;rFkkvarjkZ"Vªh;dkuwuksausgekjsthoudks,dnk;jsesacak/kkgSAbudkuwuksadhotglsgesadqNvf/kdkjizkIrgksrsgSarFkkvf/kdkjksadslkFkgekjhdqNftEesnkfj;k¡HkhcurhgSAesjslkFknwljksadsvf/kdkjksadhlqj{kkdjusdslkFknwljksadsvf/kdkjksadkslqfuf’prdjukHkhesjkdrZO;gSAlektfojks/khdkuwuksalsyM+dj]lektdsfgresadkuwuksadsfuekZ.kesaHkhesjklg;ksxcukjgsxkAbllseSa,dftEesnkjukxfjdcurkgw¡aA
foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 5
lafo/kkurFkkdkuwudhennlsekuoh;ewY;ksadklEekudjuk];gesjkdrZO;curkgSA
lekt dh vFkZO;oLFkk dks le>uk %
lektdslkFkeq>smldhvFkZO;oLFkkdksle>ukHkhcgqrt#jhgSAbldsfcukesjkrFkkesjslektdkfgrughagksldrkAblfy,eq>sfoRrh;fu;eksadksle>ukt#jhgSAbllsgefdlhHkhfoRrh;uqdlkulscpsjgsaxsA
ifjorZu ds fy, iz;kl %
[kqndksle>djvkl&ikldslekt@i;kZoj.kdksle>dj]viusgdksarFkkdrZO;ksadkewY;le>djviusvkl&ikldhvFkZO;oLFkkdkstkudjtksifjorZudsfy,lkewfgdiz;kldjrkgS]bldsfy,tksubZdYiukvksa]liuksadksltkusdsfy,u,fopkjksadkslkFkesaysrkgS]oggSvlyhvQykrhuAifjorZuds fy,;giz;kllkekftd;kfoRrh;lq/kkjksadsfy,gksldrsgSA
vQykrhudk;ZØeesa'kkfeygj,dO;fDrbuik¡pladYiukvksadsvk/kkjijdkedjrkgSA;gdk;ZØzeT;knkrjuo;qodksarFkkuo;qofr;ksadslkFkdkedjusokyhcM+hmezdsyksxksadslkFkHkhgksrkgSAgj,ddhmez]is’kkblijvk/kkfjrgSAbldk;ZØedkfu;kstugkWyS.MesafLFrvQykrhubaVjuS’kuylaLFkkdjrhgSAfcgkj,oa>kj[k.MdsdbZtxgijbldk;ZØedkfu;kstuuhM~llaLFkkds}kjkfd;ktkjgkgSA
vQykrhu cPpksa dk dk;ZØe %
bldk;ZØzeesauo;qodcPpksaesagksrs'kkjhfjdrFkkekufldcnykoksadks/;kuesaj[kdjcuk;kx;kgSAigysl=klscPpksaesagksusokyscnykodslkFkmudhviuhigpkudksysdjckrsadhxbZgSAbllsmudhviuhigpkuvkusokysl=kksaesaT;knketcwrgksrhtk,xhAviuslekt]rFkki;kZoj.klstqM+kukrkvkSjxgjkgksrktk,xk,oaviusvf/kdkjksa,oaftEesnkfj;ksadsckjsesale>Hkhc<+sxhAos]lkeusvk;hfoRrh;O;oLFkkdsvuqlkjviuhvkSjviuslektdkfgrdjusdsiz;kldkstkjhj[ksaxs]ftllsmudkfodklgksldrkgSAbulHkhckrksalsoslektdsizfrtkx#dgksdjcnykodsfy,rS;kjgkstk,axsAlkekftdrFkkfoRrh;cnykoksadsfy,fd,x,mudsiz;klghmUgsavQykrhucuknsaxasA
Page | 6 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
eSa] esjh igpku] esjh Hkkouk,a] esjs lius] esjk y{;] esjs nksLr]esjh nksLrh] esjk i;kZoj.k] esjh {kerk,¡ rFkk lewg dh Hkkouk
eSa]esjhigpku]esjhHkkouk,a]esjslius]esjky{;]esjsnksLr]esjhnksLrhtSlsikBksalsblfoHkkxdh'kq#vkrgksxhAesjh{kerk,arFkkeq>esajgusokyhvPNh;kcqjhvknrksa]phtksadksle>dj]muesacnykodjusdh;g'kq#vkrjgsxhAu;hlksp]u;h[kkstrFkku;hdYiukvksalsesjkfodkleqefdugksxkAblfy,fuekZ.kdhHkkoukdhvgfe;rtkudjeq>sblrjglkspdhizfØ;kdksvkxsysdjtkusdsfy,blfoHkkxlsiszj.kkfeysxhA
eSaesjh[kkstdjrsgq,]esjsekgkSy]esjsi;kZoj.k,oalektdslkFkesjkfj’rkfdlrjgjgsxk]bldsckjsesaHkheq>sekywegksusdkvoljbllsfeysxkA ijLij lg;ksx] HkkbZ pkjk] izkxfrd vkxs c<+us dh lksp eq>sftEesnkjcukusdsfy,Qk;nseangksxhA
Hkkx&1
foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 7
gelektesajgrsgSvkSjgekjh,digpkugksrhgSAdksbZHkhO;fDrviukuke]xk¡odkuke]vkl&ikldkekgkSytSlsphtksalsigpkuktkrkgSAblfy,og,d&nwljslsfeyrktqyrkfQjHkhvyxgksrkgSAbligpkudslkFkfdlhHkhO;fDrdsnkf;RodkHkheqíktqM+kgksrkgSrFkk;gnkf;Ro;kftEesnkjhviuhvyx&vyxigpkudsrgrvyx&vyxgksrhgSAgesa]viuhigpkudslkFkvkusokyhftEesnkfj;ksadsizfrltxjgdjmUgsafnylsiwjhdjusdh[okb’kj[kusdht#jrgSA;fn;gle>geviusHkhrjc<k,a]rksghgeftEesnkjO;fDrdgyk,axsaA
eSadkSu\ eSa-----
esjsfirkth----- mudh@mudkeSa-----
esjhek¡----- mldk@mldheSa-----
esjkcM+kHkkbZ----- mldk@mldheSa-----
esjhcM+hcgu----- mldk@mldheSa-----
esjkNksVkHkkbZ----- mldk@mldheSa-----
esjhNksVhcgu----- mldk@mldheSa-----
esjsnknkvkSjnknh----- mudh@mudkeSa-----
esjspkpkvkSjpkph----- mudh@mudkeSa-----
esjsekekvkSjekeh----- mudh@mudkeSa-----
esjsiM+kslh----- mudh@mudkeSa-----
esjhikB’kkyk----- mldk@mldheSa-----
esjsv/;kid----- mudh@mudkeSa-----
esjkxk¡o----- mldk@mldheSa-----
esjkftyk]esjkjkT;]esjkns’k----- mldk@mldheSa-----
eSa dkSu] esjh igpku \
Page | 8 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
eSa gw¡a dkSu \
eSa gw¡a dkSu \ vkSj eSa vk;k dgk¡ ls\
eq>s u;h&u;h phtsa fl[kuh gS]
Lo;a dh [kkst dj] u, jkLrs viukus gS]
esjs thou dk y{;] eq>s r; djuk gS]
bldh [kkst eSa d#axh]
D;ksafd eSa gw¡a vQykrhu-----eq>s lius vkrs gS] mToy Hkfo"; ds]
esjs vPNs thou ds]
rFkk esjs vkl&ikl ds lqanj nqfu;k ds]
eSaus ;s lius iwjs djus dk fu'p; fd;k gS]
D;ksafd eSa gw¡a vQykrhu-----vkl&ikl dh nqfu;k] eq>s dHkh lqanj fn[krh gS]
dHkh cgqr gh funZ;h] Hk;kud okLro ls esjk ikyk iM+rk gS]
ysfdu ;g nqfu;k eSa cnywaxh] bls eSa lq/kk#¡xha]
D;ksafd eSa gw¡a vQykrhu-----Eqk>esa gS dqN vPNh ckrsa] dqN cqjh ckrsa]
dHkh esjk gksrk gS lEeku]rks dHkh yksx eq> ij xqLlk djrs gS]
eSa [kqn dks vPNk cukdj vPNh balku cuuk pkgrh gw¡a]
blfy, eSa iwjh dksf'k'k d#Waxh]
D;ksafd eSa gw¡a vQykrhu-----eSa gw¡a rq>esa] eSa gw¡a mlesa]
eSa gw¡a mu lcesa]tks lcds Hkys ds fy, dksf'k'k djrs gS]
cnyko ds fy, iz;kl djrs gS]
nqfu;k dk fuMj gksdj lkeuk djrs gS]
D;ksafd eSa gw¡a vQykrhu-----
foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 9
D;kns[kukgSvkidks]viusvanjNqisvQykrhudks\pfy,]vkidkck¡;kgkFkvkidkxtijjf[k,AvaxwBsdksFkksM+kvkxsfudkfy,AvkSjviusiatsdhennlsisaflyls,djs[kkcukb,Amldhvk¡[kas]ukdfudkysvkSjns[ksaD;kdqNutjvkrkgS\
D;kvkidksfn[kkbZfn;kAvkidsHkhrjNqisblvQykrhudks\oggSvkidheqV~Bhesa!;fn/;kulsns[ksarksogvkidkst#jfn[kkbZnsxkA;fnvkidksmlsfeyukgSrksnksLrksa]
gesagekjhdqNvknrksadkscnyusdht#jrgSA
gesalokyiwNuspkfg,][kkstysuhpkfg,A
u;s&u;sfopkjksaijlkspukpkfg,]'keZ;kMjlsgVdjvkxsvkukpkfg,A
vkRefo’okldstfj,ckgj?kweukpkfg,A
rHkhtkdjvkidkutfj;kcnysxk]
KkudsHkaMkjvkidsfy,[kqytk,axs]
pfy,]fQjvki,dfu’p;djsa]
ppkZdjs]lkspdjsa]
[kkstysa]fopkj&foe’kZdjsa]
[kkstdsvuqlkjdkedjsa]ftlsviuhnqfu;kvQykrhucutk,xhAA
Page | 10 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
DyklesavQykrhuDycdscPPks,dlkFkcSBdj ppkZ djssa fd] balku ds psgjksa ijfdrus fdLe dh Hkkouk,a fn[kkbZ nsrh gSAT;knklsT;knkcPpksadks'kkfeydjusdsfy,gelewg cuk,axsA g¡lh] etkd] nq[k]fujk’kk] xqLlk] ukjktxh] tSls fdruh ghHkkouk,a gekjs eu esa mBrh gSA bUgsa ;fnvkidks fp=k ds tfj, crkuk gS] rks dSlscrk,axs]bldsckjsesalkspsA
cPPks lewg cukdj bu fp=kdks is’kdjsaAbldsckncPPksppkZdjsaxs]fdblrjgdhvyx&vyxHkkouk,agekjseuesaD;w¡iSnkgksrhgS\
bl ij foLrkj ls ppkZ gks] D;ksafd cPps]cw<+s lc yksx bu otgksa ds ftEesnkj gSAdHkh&dHkh vkl&ikldk ekgkSy Hkh bldsfy, ftEesnkjgksrkgS] Hkkoukvksads fuekZ.kesaAA
ppkZfd,gq,eqn~nksadks/;kuesaysdj];gcrk,a fd Hkkouk,a gekjs eudkvkbuk gS]ysfdu bu Hkkoukvksa dks ge balkfu;r dsfj’rsdksrksM+djc;kaughadjldrsAgebUgsatrkusdsfy,nwljksaijfgalkdkiz;ksxjghadjldrsAgesabUgsalaHkydjn’kkZusdkrjhdkvkukpkfg,A
D;ksafddbZ ckjgekjh Hkkoukvksadks n’kkZusadkerycnwljksadsvf/kdkjksadkguugksldrkgsA
gekjh Hkkouk,Wa
foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 11
vQykrhu Dycds lfpo rFkk v/;{kdks;g dk;Z djuk gSA cPps ges’kk dksbZ ukdksbZliukns[krsjgrsgSAdHkhosliuksalsMjrsgS]rksdHkhmUgsaliuksadhnqfu;kesalSjdjukvPNkyxrkgSAblhliukdksviusvQykrhudhennlslkdkjdjusdhdksf’k’kgedjldrsgSAnsf[k,dSls\
lHkhcPpksadks,dxksydjdscSBusdsfy,dfg,A lHkh dks vk¡[ksa e¡ndj ;g dYiukdjuhgSfd]ogD;kcUkukpkgrkgS@pkgrhgS\D;kesjk[kqndk?kjgksxk\D;kesjsiklIk;kZIrlHkhphtsagksaxh\D;keSaviusek¡firkthrFkkifjokjdhns[k&Hkkydjusyk;d cu¡xk@cu¡xh \ ianzg feuVksa esa ;gdk;ZlekIrdjdslHkhcPpksadksviusliuksadsckjsesadkxtijfy[kukgSA;gfy[krsle;vkxsnsf[k,fcanqvksadks/;kuesajf[k,%
viukliukiwjkdjusdsfy,eSafdlrjg dh f’k{kk gkfly dj ikm¡xh@ikm¡xk\
viukliukiwjkgksusesa;gphtsavklkuhlsmiyC/kgksxhAtSls]
viuk liuk iwjk gksus esa ;g eqf’dyvk,xhAtSls]
viuk liuk iwjk djus ds fy, buphtksadstfj,eSa eqf’dyksadklkeukd#axk@d#axhA
esjkliukiwjkdjusesaeq>sbuyksxksadklg;ksx@ekxZn’kZufeysxkAtSls]
esjkliukiwjkdjusdsfy,eq>svktlsfdlrjgdhrS;kjhdjusdht#jrgS\
vQykrhumiØzeblesaeq>sfdlrjglsenndjldrkgS\
gj,dcPpsviusliuksadsckjsesafy[kusdsckncrkdjvU;cPpksadhennlsviusliuksadhdYiukvksadksiwjkdjukgSA
vQykrhu Dyc ds cPps rkfy;ka ctkdjlHkhdsliuksadsizfrlEekunsaxsrFkkbldk;Zds ckjsvius xk¡odsvU;cPpksadkscrk,axsA
esjs lius
Hkkjr ds HkwriwoZ jk"Vªifr MkW- ,- ih- ts- vCnqy dyke th
us dgk gS fd]
liuk og ugha]
tks vki uhan esa ns[krs gSaA
og ,d ,slh pht gS]
tks vkidks uhan gh ugha vkus nsrhA
Page | 12 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
esjs lius
rq>esa gS rkdr----
rq>esa gS fgEEkr]
cukus dh ;k fcxkM+us dhA
tks rqEgsa pkfg, oks vkSj oks gh]
djds fn[kkus dhAA
rsjs lius]rsjh vk'kk,a]
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Page | 14 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
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Page | 22 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M
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