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Email:[email protected] www.punjabtimesusa.com Price 50¢ Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N. Plum Grove Rd., Palatine, IL 60074 Ph:847-359-0746, Fax:847-705-9388 Twenty First Year of Publication imzvYst aYzIsLn isLkfgo, sYn PrFissko aqy inAU Xfrk qoN ieko smyN pRkfisLq hPqfvfr Raj Shergill Associate Broker All types of Residential & Commercial properties. Gas Stations, Liquor Stores, Hotels, Plazas, Truck Terminals etc. All types of loans. Buying/Selling in Michigan Landmark Realty [email protected] Call: 734-751-4455 Call: 734-751-4455 Call: 734-751-4455 Call: 734-751-4455 Call: 734-751-4455 40600 Ann Arbor Rd., Suite# 150, Plymouth, MI 48170 5425 E. Thompson Rd. Indianapolis IN 46237 Grocery, Sweets & Catering *Fresh Vegetables Every Thursday Like our Facebook page: BigBazaarIndianGrocery Mon to Sat. 11am to 3pm Sunday 2pm to 7pm *Book your catering now. Ask for, Baljinder S. Ben Ph: 317-640-2400 Buffet Call, Lakhvir S. Johal Ph: 317-709-7800 www.indianpalaceindy.com www.AmberIndianRestaurantCarmel.com Banquet Hall Available Up to 550 People Restaurant-Fine Indian Cuisine 4213 Lafayette Road, Indianapolis, IN (Ph:317-298-0773) India Palace Restaurant We do private party‘s & catering at your home or business. Amber Indian Restaurant 12510 N. Meridian St., Carmel, IN Ph: 317-580-0828 Restaurant-Fine Indian Cuisine And Banquet Hall Pradeep Singh 847-322-5832 [email protected] www.Tajhomegroup.com BUYERS we’ll find the right home for you. We have a common goal: Making you a homeowner. SELLERS we know your local markets 20 S. Roselle Rd., Schaumburg, IL 60193 Thinking Real Estate? Residential Brokerage (bfkI sPf 6 Auqy) ivro DI iDrF vw lo N srkfr ƒ Gy rf cMzIgVH: byruËgfrF Auqy puils dy qÈwdd qoN bfad ivroDI iDrF ny srkfr ƒ Gyr ilaf hY. ÈRomxI akflI dl dy pRDfn suKbIr isMG bfdl ny pitaflf ivc aiDafpkF ‘qy puils lfTIcfrj dI sKq inKyDI kIqI hY, ijs ‘c aOrqF smyq drjn dy krIb aiDafpk jLKmI ho gey. akflI dl pRDfn ny ikhf ik ikMny aPsos dI gwl hY ik kFgrs srkfr ny kOmFqrI mihlf idvs mOky aOrqF nfl aijhf slUk kIqf hY. afm afdmI pfrtI dy sUbfeI pRDfn BgvMq mfn ny ies dI inKyDI kridaF ies ƒ sUbf srkfr dI Èrmnfk Gtnf dwisaf hY. AunHF ikhf ik ruËgfr dI mMg krn gey byruËgfr aiDafpkf ‘qy puils vloN byrihmI nfl lfTIcfrj kIqf igaf hY. ies mOky puils vloN sfzIaF DIaF dIaF iewËqF dI kIqI iKwc-DUh inMdxXog hY. pitaflf: muwK mMqrI kYptn amirMdr isMG dI sQfnk irhfieÈ ‘inAU moqI bfg pYlys` df iGrfAu krn afey byruËgfr eI[tI[tI[ tYWt pfs aiDafpkF Auqy puils vwloN kIqy aMnHy qÈwdd ny kYptn srkfr dI nIaq Auqy vwzy svfl cuwky hn. aiDafpkF dI kuwtmfr dIaF drjnF vIzIE vfierl ho rhIaF hn ijnHF qoN sfP nËr af irhf hY ik puils qYa kr ky bYTI sI ik afpxf hwk mMg rhy iksy vI DrnfkfrI ƒ suwkf nhIN jfx dyxf. ieh aiDafpk afpxI jfn bcfAux leI lukdy nËr afey pr puils ny iekwly-iekwly ƒ PV dy DUihaf. ieQoN qwk ik mihlf aiDafpkF ƒ vI nhIN bKiÈaf igaf. puils ny ieh qÈwdd Aus vyly Zfihaf, jdoN kYptn amirMdr isMG mihlf idvs lIh o N l w QI k Y ptn srkfr n y w dd df rfh PiVaf mhfrfjf rxjIq isM G ivÈv dy mhfn afgU aF ‘co N pihly sQfn ‘qy lMzn: ivÈv dy mhfn rfijaF ivcoN mhfrfjf rxjIq isMG pihly sQfn Auqy afey hn. bI[bI[sI[ ihstrI mYgËIn vloN kIqy gey srvyKx ivc 5000 dy krIb lokF ny ihwsf ilaf. 38 PIsdI lokF ny mhfrfjf rxjIq isMG ƒ 19vIN sdI df mhfn rfjf ikhf hY jd ik dUjy sQfn Auqy aPrIkf dy afËfdI GulftIey aimlkfr kfbrl df nF hY ijs ƒ 25 PIsdI votF imlIaF hn, ijs ny afpxy kroVF lokF ƒ iekwTf krky purqgIË qoN afËfdI idvfeI. ivÈv XuwD mOky XU[ky[ dy pRDfn mMqrI ivMstn cricl 7 PIsdI votF lY ky qIjy sQfn Auqy rhy hn. amrIkI rfÈtrpqI iebrfhIm ilMkn ƒ cOQf aqy XU[ky[ dI mhfrfxI aYilËfbYWQ pihlI ƒ 5vF sQfn imilaf hY. iËkrXog hY ik mhfrfjf rxjIq isMG ny pMjfb Auqy 1801 qoN 1839 qwk rfj kIqf. 18vIN sdI ‘c Bfrq lVfeIaF df aKfVf bixaf hoieaf sI. mugl rfj df pRBfv sI, jd ik pMjfb vI imslF ‘c vMizaf hoieaf sI. aijhy smyN ivc mhfrfjf rxjIq isMG ‘Èyr-ey- pMjfb‘ bx ky AuWBry, ijs dy rfj Bfg ivc sB DrmF ƒ afËfdI sI, ihMdU, musilm, iswK aqy XUrpIan vI AunHF dy rfjBfg ivc kMm krdy sn. ies dOrfn sRI hirmMdr sfihb smyq keI Dfrimk asQfnF dI syvf kIqI geI. Aus dOr ƒ pMjfb aqy AuqrI Bfrq df sB qoN KuÈhfl smF mMinaf jFdf hY. mhfrfjf rxjIq isMG dI 1839 ‘c mOq qoN bfad aMgryËF ny pMjfb Auqy kbËf kr ilaf. dwsxXog hY ik mhfrfjf rxjIq isMG df nF ies srvyKx ‘c pRiswD ieiqhfskfr mYiQAU lukvuwz ny idwqf sI. aiDafpkF nfl iKw c-DU h; aO rqF nM U vI nf bKiÈaf dIaF vDfeIaF dy rhy sn. puils dI ies kfrvfeI ipCoN byvws hoey aiDafpkF ny smUihk KudkuÈI df PYslf kIqf qy do aiDafpkF ny nihr `c Cfl mfr idwqI ijnHF ƒ goqfKorF ny muÈikl nfl bcfieaf. hwd qF AudoN ho geI jdoN kuwt Kfx vfly 100 qoN vwD aiDafpkF iKlfP vwK- vwK QfixaF ‘c kys vI drj kr ley gey. puils nfl hwQopfeI krn, srkfrI izAUtI ‘c ivGn pfAux qy BfKVf ‘c Cfl mfr ky KudkuÈI krn dy doÈF qihq byruËgfr aiDafpkF ‘qy kys drj kIqy gey hn. ieh byruËgfr, aiDafpkF dI BrqI ƒ moklf krky 12 hËfr qwk krn sxy hor mMgF qy msilaF ƒ lY ky muwK mMqrI kol phuMc krn dI koiÈÈ kr rhy sn. byruËgfr aiDafpkF df iglf hY ik pMjfb srkfr aiDafpkF dI 1664 asfmIaF dI BrqI kwZ ky AunHF nfl mËfk kr rhI hY. dws deIey ik ieh koeI pihlf mOkf nhIN jdoN afpxf hwk mMg rhy nOjvfnF iKlfP ies qrHF dI kfrvfeI kIqI geI hovy. iswiKaf mMqrI ivjyieMdr isMglf dy hlky sMgrUr ivc ieh aiDafpk ipCly iqMn mhIinaF qoN pwkf morcf lfeI bYTy hn pr srkfr awj qwk ienHF byruËgfrF dI gwl suxn leI iqafr nhIN hoeI. jdoN ieh nOjvfn roh ivc afAuNdy hn qF pRÈfsn Jwt iswiKaf mMqrI nfl mIitMg qYa krn df Brosf dy ky AunHF ƒ ÈFq kr idMdf hY pr hux ieh byruËgfr ieMny awk cuwky hn ik Auh srkfr nfl afrpfr dI lVfeI leI vI kmrkwsy krI bYTy hn. ienHF byruËgfrF df doÈ isrP ieMnf hY ik Auh kYptn srkfr ƒ coxF smyN kIqy vfady cyqy krvf rhy hn. dws deIey ik kFgrs ny votF lYx vyly Gr-Gr nOkrI df vfadf kIqf sI, pr jdoN swqf iml geI qF kYptn dy rMg-ZMg hI bdl gey. srkfr bxn qoN bfad QF-QF nOkrI myly qF lwgy pr ienHF myilaF ivc srkfrI nOkrI dI Jfk ivc puwjy nOjvfnF ƒ pRfeIvyt kMpnIaF hvfly kr idwqf igaf. ienHF myilaF dy aMkiVaF dy afDfr Auqy kYptn dfavf kr rhy hn ik AunHF ny hËfrF nOjvfnF ƒ ruËgfr idwqf pr scfeI ieh hY ienHF pRfeIvyt kMpnIaF vloN mfmUlI qnKfh Auqy rwKy iËafdfqr nOjvfnF ny

Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

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Page 1: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Email:[email protected]

Price 50¢

Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N. Plum Grove Rd., Palatine, IL 60074 Ph:847-359-0746, Fax:847-705-9388

Twenty First Year of Publication imzvYst aYzIsLn

isLkfgo, sYn PrFissko aqy inAU Xfrk qoN ieko smyN pRkfisLq hPqfvfr

Raj ShergillAssociate Broker

All types of Residential & Commercialproperties. Gas Stations, Liquor Stores,

Hotels, Plazas, Truck Terminals etc.All types of loans.

Buying/Selling in Michigan

Landmark Realty

[email protected]: 734-751-4455Call: 734-751-4455Call: 734-751-4455Call: 734-751-4455Call: 734-751-4455

40600 Ann Arbor Rd., Suite# 150,Plymouth, MI 48170

5425 E. Thompson Rd. Indianapolis IN 46237Grocery, Sweets & Catering

*Fresh Vegetables Every Thursday

Like our Facebook page: BigBazaarIndianGrocery

Mon to Sat. 11am to 3pmSunday 2pm to 7pm

*Book your catering now.Ask for, Baljinder S. Ben Ph: 317-640-2400

Buffet

Call, Lakhvir S. JohalPh: 317-709-7800

www.indianpalaceindy.comwww.AmberIndianRestaurantCarmel.com

Banquet Hall Available Up to 550 People

Restaurant-Fine Indian Cuisine4213 Lafayette Road, Indianapolis, IN

(Ph:317-298-0773)

India Palace Restaurant

We do private party‘s& catering at yourhome or business.

Amber Indian Restaurant12510 N. Meridian St.,

Carmel, INPh: 317-580-0828

Restaurant-Fine Indian Cuisine

And Banquet Hall

Pradeep Singh

[email protected]

BUYERS we’ll find the right home for you.We have a common goal: Making you a

homeowner.SELLERS we know your local markets

20 S. Roselle Rd.,Schaumburg, IL 60193

Thinking Real Estate?

ResidentialBrokerage

(bfkI sPf 6 Auqy)

ivroDI iDrF vwloN srkfr ƒ GyrfcMzIgVH: byruËgfrF Auqy puils dy qÈwdd qoN bfad ivroDI iDrF ny srkfr

ƒ Gyr ilaf hY. ÈRomxI akflI dl dy pRDfn suKbIr isMG bfdl ny pitaflf ivcaiDafpkF ‘qy puils lfTIcfrj dI sKq inKyDI kIqI hY, ijs ‘c aOrqF smyqdrjn dy krIb aiDafpk jLKmI ho gey. akflI dl pRDfn ny ikhf ik ikMnyaPsos dI gwl hY ik kFgrs srkfr ny kOmFqrI mihlf idvs mOky aOrqF nflaijhf slUk kIqf hY. afm afdmI pfrtI dy sUbfeI pRDfn BgvMq mfn ny ies dIinKyDI kridaF ies ƒ sUbf srkfr dI Èrmnfk Gtnf dwisaf hY. AunHF ikhf ikruËgfr dI mMg krn gey byruËgfr aiDafpkf ‘qy puils vloN byrihmI nfllfTIcfrj kIqf igaf hY. ies mOky puils vloN sfzIaF DIaF dIaF iewËqF dIkIqI iKwc-DUh inMdxXog hY.

pitaflf: muwK mMqrI kYptnamirMdr isMG dI sQfnk irhfieÈ ‘inAUmoqI bfg pYlys` df iGrfAu krn afeybyruËgfr eI[tI[tI[ tYWt pfs aiDafpkFAuqy puils vwloN kIqy aMnHy qÈwdd ny kYptnsrkfr dI nIaq Auqy vwzy svfl cuwky hn.

aiDafpkF dI kuwtmfr dIaF drjnFvIzIE vfierl ho rhIaF hn ijnHF qoN sfPnËr af irhf hY ik puils qYa kr kybYTI sI ik afpxf hwk mMg rhy iksy vIDrnfkfrI ƒ suwkf nhIN jfx dyxf. iehaiDafpk afpxI jfn bcfAux leI lukdynËr afey pr puils ny iekwly-iekwly ƒPV dy DUihaf. ieQoN qwk ik mihlfaiDafpkF ƒ vI nhIN bKiÈaf igaf.puils ny ieh qÈwdd Aus vyly Zfihaf,jdoN kYptn amirMdr isMG mihlf idvs

lIhoN lwQI kYptn srkfr ny qÈwdd df rfh PiVafmhfrfjf rxjIq isMG ivÈv dy mhfn

afgUaF ‘coN pihly sQfn ‘qylMzn: ivÈv dy mhfn rfijaF ivcoN mhfrfjf rxjIq isMG pihly sQfn Auqy

afey hn. bI[bI[sI[ ihstrI mYgËIn vloN kIqy gey srvyKx ivc 5000 dy krIblokF ny ihwsf ilaf. 38 PIsdI lokF ny mhfrfjf rxjIq isMG ƒ 19vIN sdI dfmhfn rfjf ikhf hY jd ik dUjy sQfn Auqy aPrIkf dy afËfdI GulftIey aimlkfrkfbrl df nF hY ijs ƒ 25 PIsdI votF imlIaF hn, ijs ny afpxy kroVF lokF ƒiekwTf krky purqgIË qoN afËfdI idvfeI.

ivÈv XuwD mOky XU[ky[ dy pRDfn mMqrI ivMstn cricl 7 PIsdI votF lY kyqIjy sQfn Auqy rhy hn. amrIkI rfÈtrpqI iebrfhIm ilMkn ƒ cOQf aqy XU[ky[dI mhfrfxI aYilËfbYWQ pihlI ƒ 5vF sQfn imilaf hY. iËkrXog hY ik mhfrfjfrxjIq isMG ny pMjfb Auqy 1801 qoN 1839 qwk rfj kIqf. 18vIN sdI ‘c BfrqlVfeIaF df aKfVf bixaf hoieaf sI. mugl rfj df pRBfv sI, jd ik pMjfb vIimslF ‘c vMizaf hoieaf sI. aijhy smyN ivc mhfrfjf rxjIq isMG ‘Èyr-ey-pMjfb‘ bx ky AuWBry, ijs dy rfj Bfg ivc sB DrmF ƒ afËfdI sI, ihMdU, musilm,iswK aqy XUrpIan vI AunHF dy rfjBfg ivc kMm krdy sn. ies dOrfn sRI hirmMdrsfihb smyq keI Dfrimk asQfnF dI syvf kIqI geI. Aus dOr ƒ pMjfb aqyAuqrI Bfrq df sB qoN KuÈhfl smF mMinaf jFdf hY. mhfrfjf rxjIq isMG dI1839 ‘c mOq qoN bfad aMgryËF ny pMjfb Auqy kbËf kr ilaf. dwsxXog hY ikmhfrfjf rxjIq isMG df nF ies srvyKx ‘c pRiswD ieiqhfskfr mYiQAU lukvuwzny idwqf sI.

aiDafpkF nfl iKwc-DUh; aOrqF nMU vI nf bKiÈafdIaF vDfeIaF dy rhy sn. puils dI ieskfrvfeI ipCoN byvws hoey aiDafpkF nysmUihk KudkuÈI df PYslf kIqf qy doaiDafpkF ny nihr `c Cfl mfr idwqIijnHF ƒ goqfKorF ny muÈikl nfl bcfieaf.

hwd qF AudoN ho geI jdoN kuwt Kfxvfly 100 qoN vwD aiDafpkF iKlfP vwK-vwK QfixaF ‘c kys vI drj kr ley gey.puils nfl hwQopfeI krn, srkfrI izAUtI‘c ivGn pfAux qy BfKVf ‘c Cfl mfr kyKudkuÈI krn dy doÈF qihq byruËgfraiDafpkF ‘qy kys drj kIqy gey hn.ieh byruËgfr, aiDafpkF dI BrqI ƒmoklf krky 12 hËfr qwk krn sxy hormMgF qy msilaF ƒ lY ky muwK mMqrI kolphuMc krn dI koiÈÈ kr rhy sn. byruËgfraiDafpkF df iglf hY ik pMjfb srkfraiDafpkF dI 1664 asfmIaF dI BrqIkwZ ky AunHF nfl mËfk kr rhI hY.

dws deIey ik ieh koeI pihlf mOkfnhIN jdoN afpxf hwk mMg rhy nOjvfnFiKlfP ies qrHF dI kfrvfeI kIqI geIhovy. iswiKaf mMqrI ivjyieMdr isMglf dyhlky sMgrUr ivc ieh aiDafpk ipClyiqMn mhIinaF qoN pwkf morcf lfeI bYTyhn pr srkfr awj qwk ienHF byruËgfrFdI gwl suxn leI iqafr nhIN hoeI. jdoNieh nOjvfn roh ivc afAuNdy hn qF pRÈfsnJwt iswiKaf mMqrI nfl mIitMg qYa krndf Brosf dy ky AunHF ƒ ÈFq kr idMdf hYpr hux ieh byruËgfr ieMny awk cuwky hn

ik Auh srkfr nfl afrpfr dI lVfeIleI vI kmrkwsy krI bYTy hn. ienHFbyruËgfrF df doÈ isrP ieMnf hY ik AuhkYptn srkfr ƒ coxF smyN kIqy vfadycyqy krvf rhy hn. dws deIey ik kFgrsny votF lYx vyly Gr-Gr nOkrI df vfadfkIqf sI, pr jdoN swqf iml geI qF kYptndy rMg-ZMg hI bdl gey.

srkfr bxn qoN bfad QF-QF nOkrI

myly qF lwgy pr ienHF myilaF ivc srkfrInOkrI dI Jfk ivc puwjy nOjvfnF ƒ pRfeIvytkMpnIaF hvfly kr idwqf igaf. ienHFmyilaF dy aMkiVaF dy afDfr Auqy kYptndfavf kr rhy hn ik AunHF ny hËfrFnOjvfnF ƒ ruËgfr idwqf pr scfeI iehhY ienHF pRfeIvyt kMpnIaF vloN mfmUlIqnKfh Auqy rwKy iËafdfqr nOjvfnF ny

Page 2: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2)

Residential Loans (Purchase, Refinance & Cash Out Refinance). Self Employedand H1 Visa Jumbo loans Commercial Property With Business or Business Only.

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sohI shfiek kfrjkfrI skwqr, gurlflisMG BwTl shfiek ivq zfierYktr,prmjoq isMG prmfr XUQ zfierYktraqy gurpRIq isMG iswDU ieMtr-kimAUintIzfierYktr bxfey gey hn.

ies mOky pI[ sI[ aYs[ dIaF

aglIaF srgrmIaF dy vyrvy vI sFJykIqy gey. sMsQf df aihm siBafcfrksmfgm ‘rMglf pMjfb’ 11 aprYl 2020ƒ Èfm 6:30 vjy ieQoN dI sbrb aYlijndy hYmnË klcrl sYNtr afzItorIamivKy hovygf. s[ nvqyj isMG sohI nydwisaf ik ies smfgm ivc BMgVy qy igwDydIaF vwK vwK tImF iÈrkq krngIaF.ies ivc 350 qoN vwD nOjvfn ihwsf lYxgy.s[ ibkrm isMG sohI ny dwisaf ik smfgmdIaF itktF igxqI dIaF hI hn, iesleI sfry pirvfrF aqy BfeIcfrk mYNbrFƒ qfkId hY ik Auh afpo-afpxIaF itktFpihlF hI hfsl kr lYx. 10 sfl qoN Cotybwcy df dfKlf muPq hovygf, pr Aus leIvwKrI sIt nhIN hovygI. pihlI kqfrvflIaF vI[ afeI[ pI[ itktF lYx vfilaFleI iznr df vI pRbMD hovygf. ies mOkyivkryqfvF dy bUQ vI lfey jfxgy.

ijLkrXog hY ik pI[ sI[ aYs[ gYr-munfPf vflMtIar syvf sMsQf hY, jo pMjfbIsiBafcfr, klf, iswiKaf, KyzF ƒ hwlfÈyrIdyx leI lgfqfr srgrm hY.

gfiek iswDU mUsyvflf ny akflqKq ‘qy muafPI mMgI

aMimRqsr: pMjfbI gfiek iswDUmUsyvflf ny akfl qKq Auqy hfËr ho kyafpxI glqI leI iKmf Xfcnf kIqI hY.Aus ny ikhf ik ies mfmly ivc akflqKq vwloN jo vI afdyÈ kIqf jfvygf, AuhAus ƒ pRvfn hovygf.

iswDU ny iek gIq ivc mfeI Bfgo dIqulnf afm kuVI nfl kIqI sI ijs dfiswK jgq ny sKq ivroD kIqf sI aqy sRIakfl qKq qy ÈRomxI kmytI kol vwzIigxqI ivc iÈkfieqF puwjIaF sn.

ÈRomxI kmytI ny ies mfmly ivcgfiek iKlfP puils kol vI iÈkfieqkIqI sI. jQydfr nfl mulfkfq mgroNmIzIaf nfl gwlbfq kridaF Aus nyafiKaf ik Auh sRI akfl qKq ƒsmripq hY aqy axjfxy ivc hoeI BuwlleI iKmf Xfcnf kIqI hY. jQydfr igafnIhrpRIq isMG ny afiKaf ik gfiek nymuafPI mMgI hY aqy Aus dy muafPInfmy‘qy isMG sfihbfn dI mIitMg ivc ivcfrvtFdrf kIqf jfvygf.

Page 3: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (3)

lYnisMg, imsLIgn ivc Kflsy dy jnm idhfVy ‘qy

gurU nfnk iswK sYNtr, lYnisMg (imsLIgn)4701 Pleasant Grove, Lansing, MI 48910 Ph: 517-272-0231

www.LansingGurdwara.Org Facebook page: Gurdwara Sahib Guru Nanak Sikh Centre Lansing, MI USA

isLkfgo, krfAUn puafieMt, ieMzIanaYpoils, sfAUQbYNz, imlvfkI, iztrfiet, grYNz rYipzjL, mskIgn, jYksn,PilMt, sfgInfa, kYlmjLU, bYtl krIk, bYNtn hfrbr aqy hor dUr-nyVy dI sMgq dy sihXog nfl

sincrvfr, 9 meI 2020ivsfKI mylfivsfKI mylfAuprMq

Adado Riverfront Park: 300 N. Grand Ave., Lansing MI 48933. (Downtown Lansing)

sincrvfr, 9 meI 2020 nUM gurduafrf sfihb ivc aKMzpfT df Bog svyry 7[00 vjy pfieaf jfvygf. ies AuprMqsMgqF azYzo irvrPrMt pfrk (300 nfrQ grYNz aYvyinAU,lYnisMg, imsLIgn 48933) ivc iekwqr hoxgIaF. iesy pfrkqoN pryz sRI gurU gRMQ sfihb dI CqrCfieaf hyT arMB hovygI.pryz dy sB qoN awgy pMj ipafry afpxIaF rvfieqI pusLfkFivc cwlxgy. pryz afpxy rUt ‘qy huMdI hoeI vfps iesy pfrkivc hI af ky smfpq hovygI. gurU Gr dy hYz gRMQI BfeIAupkfr isMG, BfeI sLrnjIq isMG qy BfeI pRBjoq isMG dy jQyqoN ielfvf pRisD ZfzI jQf mohn isMG bdfnf ZfzI vfrF aqyhor pMQ kIrqnIey kIrqn qy kQfvfck kQf ivafiKaf rfhINsMgqF nUM inhfl krngy. pryz dI smfpqI ‘qy azYzo irvrPrMtpfrk 300 N. Grand Ave., Lansing MI 48933 (Down-town Lansing) `c sMgqF leI lMgr df Kfs pRbMD hovygf.

pRogrfm

bynqI krqf: gurduafrf pRbMDk kmytI aqy smUh sfD sMgq

*qfjLf jlybIaF, imTfeIaF, cfh aqy kOPI dI syvf PilMt dI sMgq vloN*lMgr dI syvf ‘girl afP ieMzIaf, PilMt’ vloN hovygI*grmf grm pkOiVaF df ivsLysL pRbMD*Coly-BTUiraF dI syvf drbfr sRI gurU gRMQ sfihb jI, kYNtn dI sMgq vloN*itwkIaF aqy gol-goipaF dI syvf iswK susfietI afP imsLIgn, strilMg hfeItsvloN*Coly-BTUiraF dI syvf aYs[ aYNz aYs[ trwikMg, kYlmjLU vloN*gMny dy rs dI syvf jYksn dI sMgq vloN*pIjLy qy sOPt zirMk (sozy) dI syvf lfzI mulqfnI qy amrjIq isMG iebrfihmvfl vloN*mYNgo sLyk, PrUt cft, rUhaPjLf aqy zrfeI PrUt pRsfd dI syvf jsvMq isMG kYlmjLUqy pirvfr*afeIs krIb dI syvf kpUr isMG jwbo qy pirvfr aqy ajy bzvfr vloN*pfxI dI syvf jsvIr isMG, qy kulvMq isMG grYNz rYipzjL vloN*Dfrimk qsvIrF qy pyNitMg df stfl lwgygfhor iksy qrHF dI syvf lYx leI pRbMDkF nfl sMprk kro jI

Gurudwara Sahib (517) 272-0231Ladi Multani (517) 204-4171S. Balbir Singh (517) 402-1811S. Kuldip Singh (President) Ph: 517-402-4910S. Balbir Singh Habibwal 517-944-0947

Contacts:Contacts:Contacts:Contacts:Contacts:

ivsLysL mihmfn

ngr kIrqn qoN bfad iek siBafcfrk poRgrfm vI pysL kIqf jfeygf, ijsivc nfmI gfiek aqy igwDy-BMgVy dIaF tImF drsLkF df mnorMjn krngy

Lansing Mayor Andy SchorsuDfkr dlylf

BfrqI kONsl jnrl, isLkfgo

muwK mihmfn

amrIkf dy pMjfbI cYnl ngr kIrqn qy siBafcfrk pRogrfm df iswDf pRsfrn krngy

Page 4: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (4)

byadbI kFz: sI[bI[afeI[ ptIÈn ipwCoN isafsq muV BKIcMzIgVH: brgfVI byadbI kys ivc

sI[bI[afeI[ vwloN nËrsfnI ptIÈn dfierkrn ipwCoN isafsI iDrF ny iek-dUjy ƒGyrdy hoey doÈIaF ƒ bcfAux dy doÈ lfAuxyÈurU kr idwqy hn. muwK mMqrI kYptnamirMdr isMG ny kyNdrI jFc eyjMsI AuqykyNdr srkfr ivc BfeIvfl ÈRomxI akflIdl dy ieÈfry Auqy inaF dy rfh ivc aiVwkyzfhux dIaF koiÈÈF dy doÈ lfey hn.

muwK mMqrI ny ptIÈn dfier krn dykdm ƒ kys ltkfAux dI cfl dwisaf.AunHF dwisaf ik sUbf srkfr ny agsq,2018 ivc ivDfn sBf ivc iek mqy rfhINies kys dI jFc pMjfb puils dI ivÈyÈjFc tIm (aYs[afeI[tI[) ƒ sONpx dfPYslf kIqf sI. inaF pRxflI ivc BrosfËfhr kridaF AunHF ikhf ik adflqF hrhfl ivc ies kys ‘c kfƒn ƒ kfiemrwKxgIaF aqy pIVqF ƒ iensfPdyxgIaF.

sI[bI[afeI[ ny 20 PrvrI ƒ afeysuprIm kort dy PYsly ‘qy nËrsfnIptIÈn dfier krn bfry aYs[ey[aYs[ ngr(mohflI) ivKy spYÈl juzIÈl mYijstryt

pIVq pirvfr vloN jFc AulJfAux df doÈbyadbI sbMDI Qfxf bfjfKfnf ivc vwKo vwKry kys drj krvfAux vfly

iÈkfieqkrqfvF dy vkIl ggnprdIp isMG bwl ny ikhf ik sI[bI[afeI[ jfxbuJky ies mhwqvpUrn kys ƒ ltkf rhI hY. AunHF ikhf ik ieh mfmlf iksy qxpwqx lwgx ivc pihlF hI bhuq dyrI ho cuwkI hY. AunHF ikhf ik sI[bI[afeI[ nyhfeI kort dy hukm nf mMnidaF pihlF kloËr irport pyÈ kr idwqI. iPr acfnkXU trn lYNidaF nvyN isirAuN qoN mfmly dI jFc krn dI apIl kr idwqI. ieskfrn ieh mfmlf adflq dIaF GuMmx-GyrIaF ivc AulJ ky rih igaf hY.

kYptn mMqrIaF dy gunfh Cupf irhY: akflI dlcMzIgVH: ÈRomxI akflI dl ny muwK mMqrI kYptn amirMdr isMG vwloN

lfey ienHF doÈF ƒ korf JUT krfr idwqf hY ik akflI dl sI[bI[afeI[ Auqy pRBfvpf ky iensfP dy rfh ‘c aiVwky pfAux dI koiÈÈ kr irhf hY. akflI dl dybulfry zf[ dljIq isMG cImf ny ikhf ik ipCly iqMn sflF ‘c kYptn ny ies muwdyAuqy pRDfn mMqrI jF gRih mMqrI nfl gwl krnI vI ËrUrI nhIN smJI. AunHF ikhfik hux vI muwK mMqrI kFgrsI mMqrIaF Auqy bihbl klF puils golIbfrI kysnfl sbMDq puils krmIaF ƒ bcfAux dy doÈ lwgx mgroN afpxIaF nfkfmIaFqoN iDafn lFBy krn leI aijhy hwQkMzy iesqymfl kr irhf hY.

ƒ ieqlfh idwqI hY. iËkrXog hY ik suprImkort ny sI[bI[afeI[ dI spYÈl lIvptIÈn ƒ dyrI dy afDfr ‘qy rwd kr idwqfsI jdik kfƒn df svfl KuwlHf Cwz idwqfsI. muwK mMqrI ny ikhf ik nËrsfnI ptIÈndfier krn bfry sI[bI[afeI[ df PYslfnf isrP jFc ltkfAux dI koJI koiÈÈ hYsgoN ies ivc akflIaF dI ÈmUlIaq dIspwÈt puÈtI hoeI hY.

ies mfmly ivc akflI-Bfjpfsrkfr vwloN nvMbr, 2015 ‘c iqMn kyssI[bI[afeI[ ƒ sONpy gey sn pr Auh kysƒ qx-pwqx lfAux ivc nfkfm rhI. kYptnny ikhf ik sI[bI[afeI[ vwloN sB qoN pihlFkloËr irport dfier krnI, iPr sUbf

srkfr ƒ ies dI kfpI dyx qoN ienkfrkrnf aqy Aus qoN do mhIinaF bfad XU-trn lYx df zrfmf akflIaF dy kihx Auqyricaf igaf hY jo ies mfmly ivc swc ƒbfhr nhIN afAux dyxf cfhuMdy hn.

pRfpq jfxkfrI anusfr pMjfb ivDfnsBf ivc sI[bI[afeI[ qoN jFc vfps lYxdf mqf pfs krn, zInotIPfeI krky smuwcykys dI PfeIl vfps moVn aqy pMjfb qyhirafxf hoeI kort vwloN srkfr dIkfrvfeI ƒ jfieË TihrfAux iKlfPsI[bI[afeI[ ny suprIm kort ivc spYÈllIv ptIÈn (aYs[aYl[pI[) dfier kIqIsI ijs ƒ suprIm kort ny vwK-vwK kfƒnInukiqaF qoN vfcidaF muwZoN rwd kr idwqfsI. sI[bI[afeI[ ny hfeI kort dy PYslyqoN bfad nf qF afpxI jFc bMd kIqI aqynf hI smuwcy kys dI PfeIl srkfr, pMjfbpuils ƒ vfps moVI sI sgoN ies dy Aultjf ky kloËr irport dfier kr ky kysKqm krn dI apIl kr id wqI.sI[bI[afeI[ df kihxf hY ik ijhVy kysdI jFc Aus ƒ sONpI jFdI hY, Auh vfpsnhIN leI jf skdI hY.

ZINzisaF ny bfdl pirvfr dy isafsI gVH ivc lfeI sMnH‘ZINzsf pirvfr ÈRomxI kmytI cox nhIN lVygf`

lihrfgfgf: sfbkf ivwq mMqrI primMdr isMG ZINzsf ny ikhf hY ik Auhqy AunHF dy ipqf suKdyv isMG ZINzsf ÈRomxI gurduafrf pRbMDk kmytI dI nf Kudcox lVngy aqy nf hI pRDfn bxfAux ‘c koeI rol inBfAuxgy. ielfky ivcgVymfrI dy iÈkfr ipMzF df dOrf krn mgroN AunHF ikhf ik Auh ÈRomxI kmytI ‘csfP suQrI idwK qy inÈkfm syvf krn vfly mYNbrF ƒ awgy lY ky afAux leIXqnÈIl hn ijs leI hmiKaflI pfrtIaF nfl rfbqf kfiem krky sFJf eyjMzfbxfieaf jf irhf hY aqy AunHF df aglf inÈfnf ÈRomxI gurduafrf pRbMDk kmytIdy pRbMDF ƒ sucfrU bxfAuxf hY. AunHF kYptn aqy bfdlF Auqy igxI imQI sfiËÈkrky byadbI dI jFc leI asl doÈIaF dI ÈnfKq nf krn dy doÈ lfey. AunHFikhf ik kYptn srkfr bhfnybfËI krky afpxI iËMmyvfrI qoN Bwj nhIN skdI.

biTMzf: sMsd mYNbr qy akflI afgUsuKdyv isMG ZINzsf ny biTMzf hlky ‘cbfdl pirvfr dy isafsI gVH ivc sMnHlf ky afpxI rfjsI qfkq df muËfhrfkIqf. sfbkf sMsd mYNbr bIbI prmjIqkOr gulÈn smyq awDI drjn afgUaF nyZINzsf dI agvfeI kbUlI qy ÈRomxIakflI dl (bfdl) ƒ Piqh bulf idwqI.

dwsxXog hY ik bfdl pirvfr dfpUrf qfx ruwsy hoey afgUaF ƒ mnfAuxAuqy lwgf hoieaf sI. ipMz zUmvflI ‘cakflI dl dI sInIar mIq pRDfngI qoNasqIPf dyx vfly srbjIq isMGzUmvflI dy Gr vI ZINzsf gey przUmvflI ny KuwlHy mn nfl ZINzsf dy nflcwlx df aYlfn nhIN kIqf. sMsd mYNbrZINzsf vwloN vwK isafsI rfh PVn mgroNbiTMzf hlky dI AunHF dI ieh pihlI PyrIsI. jd vwzy ZINzsf ny afpxy dOry qoNpihlF qKq sRI dmdmf sfihb mwQftyikaf qF ÈRomxI kmytI ny pUrI qrHF AunHFqoN dUrI bxfeI. AunHF ƒ isropfAu nhINidwqf igaf. nfrfË ZINzsf ny ikhf ‘qKqsBnF df sFJf hY qy ieh (bfdl)hlkIaF gwlF ‘qy Auqr afey hn.’

ÈRomxI akflI dl (bfdl) dy sUhIeyvwzy ZINzsf dI pYV nwpdy rhy. XUQ akflIdl dy sfbkf iËlHf pRDfn Bolf isMGigwlpwqI dI irhfieÈ Auqy igwlpwqI smyqkeI afgUaF ny ZINzsf df pwlf PiVaf.ZINzsf ny ies mOky ikhf ik kFgrs qybfdlF qoN ibnF iksy nfl vI cox smJOqfsMBv hY pr ies bfry hfly koeI gwlbfqnhIN hoeI. AunHF df iDafn iPlhfl ÈRomxI

kmytI coxF Auqy hY aqy kyNdr srkfr ƒieh cox smyN isr krvfAuxI cfhIdI hY.ÈRomxI kmytI coxF ivc akflI dl(1920) aqy sRI PUlkf qoN ielfvf BfeIrxjIq isMG ny sihXog dyx df PYslfilaf hY. AunHF ikhf ik suKbIr bfdl‘qfnfÈfh` bixaf bYTf hY aqy Gr bYT kyhI PYsly ley jf rhy hn, pr lokF dy hVHawgy hMkfr ƒ mfr pYxI hI hY. suKdyv

ZINzsf ny ikhf ik AunHF pfrtI Kfqr jylHFkwtIaF hn qy kurbfnIaF kIqIaF hn,iesy leI mfx siqkfr imilaf hY. ZINzsfny ikhf ik suKbIr bfdl dI agvfeIivc sRI akfl qKq sfihb dI mfx-mirafdf ƒ Zfh lfeI geI hY. AunHF ikhfik ÈRomxI kmytI df pYsf inwjI ihwqF leIroiVHaf jf irhf hY, ijs dI jFc nvIN bxnvflI ÈRomxI kmytI krygI. AunHF ieÈfrfkIqf ik afAuNdy idnF ivc akflI dl(bfdl) dy keI hor afgU vI AunHF nfljuV rhy hn.

do vfr sMsd mYNbr rhy bIbI prmjIqkOr gulÈn ny ZINzsf df sfQ dyx df aYlfnkridaF doÈ lfieaf ik akflI dl(bfdl) ƒ hux ‘nOkr` clf rhy hn jdikcuxy numfieMidaF dI koeI vuwkq nhIN hY.AunHF ikhf ik gurU dI golk ƒ hux vpfrleI vriqaf jf irhf hY. iËlHf pRIÈd dIsfbkf cyarmYn rfjivMdr kOr, iesqrIivMg dI iËlHf pRDfn gurivMdr kOr, srklpRDfn prmjIq kOr, aYseI ivMg dy iËlHfkoafrzInytr aMgryË isMG ny vI ZINzsfnfl cwlx df aYlfn kIqf.

mihMgI ibjlI: lok iensfP pfrtI Gol ivwZygIluiDafxf: lok iensfP pfrtI

vloN ibjlI dy rytF ivc kIqy gey vfDyiKlfP aqy grIbF ƒ ssqI ibjlIidvfAux leI jldI hI sMGrÈ ivwiZafjfvygf. jykr srkfr ny ssqI ibjlI nfidwqI qF lok iensfP pfrtI jylH BroaMdoln clfeygI. ieh aYlfn lok iensfPpfrtI dy pRDfn aqy ivDfiek ismrjIqisMG bYNs aqy pfrtI dy srpRsq jQydfrblivMdr isMG bYNs dI agvfeI ivcpfrtI dI kor kmytI dI mIitMg ivc kIqf

igaf.ivDfiek bYNs ny dwisaf ik mOjUdf

srkfr ny ivDfn sBf coxF dOrfn grIbFƒ ssqI ibjlI dyx aqy snaqkfrF ƒ5 rupey pRqI XUint ibjlI dyx df vfadfkIqf sI pr iqMn sfl df smF lMG jfxqoN bfad vI srkfr df vfadf vPf nfhoieaf.

AunHF ikhf ik luiDafxf snaqkfrFdf gVH hY aqy snaqkfrF ƒ ssqI ibjlIdyx df vfadf Kud muwK mMqrI kYptn

amirMdr isMG ny kIqf sI pr snaqF ƒibjlI ssqI dyx dI QF hor mihMgI kridwqI geI hY jdoNik hornF sUibaF ivwcibjlI dy ryt kfPI Gwt hn. AunHF doÈlfieaf ik kYptn amirMdr isMGkuMBkrnI nINd suwqy pey hn qy AunHF ƒsnaqkfrF dy nfl nfl afm lokF dIkoeI prvfh hI nhIN hY. kor kmytI dImIitMg ivc PYslf ilaf igaf hY ik jykrsrkfr ny ssqI ibjlI nf idwqI qF lokiensfP pfrtI snaqkfrF aqy ÈihrIaFsmyq sMGrÈ ivwZygI aqy jykr loV peIqF muwK mMqrI kYptn amirMdr isMG koTIdf iGrfE krn dy nfl nfl jylH BroaMdoln vI ÈurU kIqf jfeygf.

mfxhfnI kys ‘c suKbIr bfdl ƒ sMmncMzIgVH: aKMz kIrqn jQy ƒ bwbr

Kflsf df isafsI ichrf dwsx sbMDIdfier kIqI mfxhfnI kys dI arËI AuqysuxvfeI kridaF iËlHf adflq ny pMjfbdy sfbkf Aup muwK mMqrI suKbIr isMGbfdl ƒ sMmn jfrI kIqf hY. adflq nyies mfmly dI aglI suxvfeI 18 mfrcleI pf idwqI hY.

muhflI vfsI rfijMdrpfl isMG dfkihxf sI ik aKMz kIrqn jQf iek

Dfrimk jQf hY, ijs df ivÈv pwDr Auqynfm hY. suKbIr isMG bfdl ny AunHF dyjQy bfry jo ikhf hY, Aus nfl AunHF dfaks Krfb hoieaf hY. rfijMdrpfl nyadflq ƒ dwisaf ik 4 jnvrI 2017 ƒidwlI dy muwK mMqrI arivMd kyjrIvflAunHF dy Gr imlx afey sn, ijs bfryaKbfrF ‘c KbrF vI CpIaF sn. ijs qoNbfad iek aKbfr rfhIN suKbIr bfdlny AunHF dy jQy bfry ibafn idwqf sI.

isafsI afgU qoN duKI pirvfr nyjwj koloN KudkuÈI dI afigaf mMgI

kfhƒvfn: ipMz iBwtyvwz dy iekpirvfr ny puils vwloN rfjnIqk afgU dIÈih qy pRyÈfn krn aqy JUTy mfmly drjkrn qoN duKI ho ky pirvfr sxy iËlHf sYÈnjwj qoN afqm hwiqaf dI iejfËq mMgI hY.amrIk isMG puwqr svrn isMG vfsIiBwtyvwz ny dwisaf ik Auh afpxy pirvfraqy Brf rfijMdr isMG dy pirvfr sxyipMz ivc rih irhf hY. Auh ÈRomxI akflIdl nfl juVy hoey sn pr kYptn dIsrkfr bxn ipCoN ipMz dy iek kFgrsIafgU mnjIq isMG puwqr mihMdr isMG vwloNAunHF ƒ pryÈfn kIqf jf irhf hY.

AunHF ikhf ik sfl 2017 dIaF coxFvyly Aus df Brf svrn isMG slfrIafdf poilMg eyjMt bixaf qF rMijÈ ÈurU hoeI.ies ipCoN mnjIq isMG aqy Aus dy kFgrsIsfQIaF ny Aus dy Brf rfijMdr `qykfqlfnf hmlf kr idwqf ijs c rfijMdrisMG ƒ gMBIr swtF lwgIaF pr Qfxfkfhƒvfn dI puils ny AunHF dI koeIPirafd nf suxI qy AunHF ƒ adflq dfshfrf lYxf ipaf. hux iPr kfhƒvfn dIpuils vwloN mnjIq isMG dI Èih Auqy AunHFdovF BrfvF ‘qy 326 aqy hor sMgIn DfrfvFqihq mfmly drj kIqy gey hn jo zfktrF

dy pYnl dI pVqfl ipCoN Kfrj ho cuwkf hY.ies mfmly ivc amrIk isMG dI Ëmfnqho cuwkI hY aqy Aus dy Brf rfijMdr isMGdI Ëmfnq ajy hoxI bfkI hY.

Aus ny dwisaf ik jdoN Auh ipMz vVYcivc afpxy sfQIaF smyq kMm kr irhfsI qF Qfxf kfhƒvfn dy aYs[aYc[E[suirMdrpfl isMG ny Aus nfl gflI glockIqf aqy Aus nfl kuwtmfr vI kIqI aqyrfijMdr isMG ƒ igRPqfr krvfAux leIjbrI Ëor pfieaf. Aus ny dwisaf ik AuhkFgrsI afgU mnjIq isMG aqy puilsQfxf kfhƒvfn dIaF vDIkIaF qoN qMg afcuwkf hY. ies leI hux qwk ky Aus nysYÈn jwj gurdfspur koloN KudkuÈI krndI ilKqI iejfËq mMgI hY.

AuDr, kFgrsI afgU mnjIq isMGny ikhf ik Aus dI amrIk isMG nflkoeI rMijÈ nhIN hY. sfl 2017 dIaF iËmnIcoxF vyly rfijMdr ny ipMz dy kuJ lokFnfl JgVf kIqf sI, ies c Aus df koeIlYxf dyxf nhIN hY. ieh pirvfr ibjlIcorI krdf PiVaf igaf sI ijs df doÈvI AunHF qy lfieaf jf irhf hY. hux iehsfry doÈ inrol isafsI kfrnF kr ky hIlfey jf rhy hn.

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (5)

‘afpixaF` dy hI svflF ny lfjvfb kIqI kYptn srkfrcMzIgVH: pMjfb ivDfn sBf dy bjt

iejlfs dOrfn kYptn amirMdr isMGsrkfr ivroDIaF dy nfl nfl afpixaFdy inÈfny Auqy rhI. jlMDr kYNt qoN ivDfiekprgt isMG ny ibjlI smJOiqaF aqybyadbI kFz dy muwdy Auqy srkfr ƒ BMizafjdik gurdfspur qoN ivDfiek birMdrmIqisMG pfhVf ny aPsrÈfhI Auqy iBRÈtfcfrdy doÈ lfAuNidaF ieQoN qwk ikhf ik aPsrFdy mUMh ƒ KUn lwg cuwkf hY.

AunHF muwK skwqr avqfr isMG aqyaYzvokyt jnrl vwloN pMjfb Bvn ‘cikrfey pwky qOr Auqy rwKx dy bdly iqMnsflF df ikrfieaf vsUlx dI mMg vIkIqI hY. kFgrs dy ivDfiek aqy BfrqIhfkI tIm dy sfbkf kpqfn prgt isMGny ibjlI smJOiqaF dy mfmly Auqy sdndI kmytI dy gTn dI mMg kIqI. AunHF ikhfik srkfr vwloN kmytIaF bxf ky iesmfmly ƒ qx-pwqx lgfey jfx dI AumIdidKfeI nhIN dy rhI hY. AunHF muwK mMqrIvwloN ibjlI smJOiqaF dy mfmly ‘qy sPYdpwqr ilaFdy jfx Auqy vI svfl KVHy kIqy.AunHF ikhf ik ibjlI KrId smJOiqaF dfsyk lokF ƒ lwg irhf hY. afm afdmIpfrtI aqy kFgrs dy keI ivDfiekF qy

mMqrIaF ny vI myËF QpQpf ky AunHF dIhmfieq kIqI.

prgt isMG ny brgfVI kFz dydoÈIaF iKlfP pMj sflF dy smyN aMdr vIadflq ivc doÈ afied nf hox ƒ mMdBfgf

krfr idwqf. ÈRomxI akflI dl dy ivDfiekmnpRIq isMG ieXflI ny bihbl klF kFzdy gvfh surjIq isMG dI mOq df mfmlfsdn ivc AuTfAuNidaF ikhf ik imRqk dIpqnI ny ivDfiekF dy nfm icwTI dy kyiensfP dI mMg kIqI hY. akflI ivDfiekny mfl mMqrI gurpRIq isMG kFgV aqymuwK mMqrI dy slfhkfr kuÈldIp isMGiZwloN Auqy doÈ lfAuNidaF ikhf ik pIVqpirvfr muqfbk ieh dovyN jxy surjIq

isMG dI mOq leI iËMmyvfr hn. ‘afp` dyivDfiek kulqfr isMG sMDvF ny kYNsrpIVqF ƒ 500 kroV rupey qurq jfrIkrn leI ikhf. mnjIq isMG iblfspurny sYNkVy aFgnvfVI vrkrF aqy hYlprFƒ ipClI akqUbr qoN imhnqfnf nf imlxdf dfavf kIqf.

srbjIq kOr mfxUMky ny iProËpur dypRfeIvyt gurU nfnk kflj df muwdf AuTfAuNdyhoey ikhf ik mihË 3 eykV dy ies kflj‘c krIb 5600 ividafrQI dfKl hnjdik 100 eykV ‘c bxI p MjfbXUnIvristI ivc 4600 ividafrQI hn.AunHF jFc dI mMg kridaF ikhf ik iehdfKly PrËI aqy z MmI hn aqyividafrQIaF nfl DoKf hY. akflI dlivDfiek dl dy nyqf ÈrnjIq isMG iZwloNny puils qÈwdd nfl luiDafxf ‘c hoeImOq dy mfmly Auqy srkfr df dKlmMigaf. ibkrm isMG mjITIaf ny mMgkIqI ik 18 sfl dy lVky ƒ 12vIN klfsdI borz dI pRIiKaf dOrfn dsqfr lfhuxleI mjbUr krky mfnisk pIVf df iÈkfrbxfAux leI mwD pRdyÈ dI kmlnfQ dIagvfeI vflI srkfr iKlfP ivDfn sBfivc inMdf pRsqfv pfs kIqf jfvy.

kFgrsI ivDfiek viVMg vloN kYptn ƒ iqwKy svflcMzIgVH: pMjfb ivDfn sBf ivc trFsport ivBfg dy muwdy Auqy kFgrsI

ivDfiek amirMdr isMG rfjf viVMg ny afpxI hI srkfr ƒ inÈfny Auqy ilaf.kFgrsI ivDfiek vwloN trFsport ivBfg sbMDI cuwky svflF df smrQn krdyhfkm iDr aqy ‘afp` dy hor mYNbr vI dyKy gey. ieQoN qwk ik trFsport mMqrIrËIaf sulqfnf ny vI ivDfiek dy kQn dI puÈtI kr idwqI.

rfjf viVMg ny ikhf ik sUby ivc KyqrI trFsport aPsrF dIaF qfienfqIaFaqy iBRÈt aPsrF iKlfP kfrvfeI krn dy mfmly ivc trFsport mMqrI lfcfridKfeI dy rhy hn. rfjf viVMg ny ikhf ik jykr mMqrI byvws hn qy mMqrIaF kolaPsrF ƒ qbdIl krn jF kfrvfeI krn df aKiqafr nhIN hY qF trFsportivBfg ivc qfienfq aPsrF df ‘jugfV` ikwQy iPwt hY. ieh gwl vI spwÈt hoxIcfhIdI hY.

sfzI srkfr hI inkMmI hY: rMDfvfcMzIgVH: pMjfb ivDfn sBf ivc jdoN akflI dl dy ivDfiek ibkrm isMG

mjITIaf ny sUby ivc gYNgstrF qy aprfDIaF df bolbflf hox dy doÈ lfAuNidaFjylH mMqrI suKijMdr isMG rMDfvf Auqy inÈfnf sfiDaf qF jylH mMqrI qy akflIivDfiek drimafn iqwKI qkrfr hoeI. akflI ivDfiek ny ikhf ik sUby ivckfƒn ivvsQf lIhoN lwQ cuwkI hY qy lokF ƒ puils Auqy koeI Brosf nhIN irhf.pMjfb dy lok puils qoN surwiKaf lYx dI QF gYNgstrF qy aprfDIaF ƒ hI iPrOqIdyxf ibhqr smJdy hn. akflI ivDfiek ny jylH mMqrI suKijMdr isMG rMDfvf ‘qyvI inÈfnf sfiDaf igaf qy jylH mMqrI ny vI akflI dl dy ivDfiekF Auqy moVvFhwlf boilaf. jylH mMqrI ny ieQoN qwk ikhf ‘‘sfzI srkfr iblkul inkMmI hY iesyleI quhfzy (akflIaF) iKlfP kfrvfeI nhIN ho rhI.“

bjt sYÈn: lok muwidaF ‘qy srkfr ƒ Gyr nf skI ivroDI iDrcMzIgVH: pMjfb ivDfn sBf dy bjt

sYÈn dOrfn ivroDI iDrF dy mYNbrF ny ÈorÈrfby nfl mfarkybfËI dy Xqn qF kIqypr sUby dy aihm qy BKdy muwidaF Auqysrkfr dI jvfbdyhI bxfAux ivc kfmXfbInhIN imlI. pMjfb dI mOjUdf ivDfn sBf dfkfrjkfl iqMn sfl ho igaf hY qy hux qwklok muwidaF Auqy ivroDI iDrF vI iekmqnhIN ho skIaF. afm afdmI pfrtI aqyÈRomxI akflI dl dy ivDfiekF vwloN vIafpo afpxI zPlI vjfeI geI qy lokiensfP pfrtI dy do ivDfiekF (bYNs BrfvF)ny sfrIaF iDrF nfloN hI vwKrI sur apxfeIrwKI.

ivroDI iDrF ny kfƒn ivvsQf,zI[jI[pI[ idnkr gupqf dy ivvfdq ibafn,nfjfieË Kxn aqy hornF muwidaF Auqy sdnivc rOlf rwpf qF pfieaf pr srkfr dIjvfbdyhI bxfAux ivc ieh iDrF kfmXfbnhIN ho skIaF.

dyiKaf jfvy qF hfkm iDr dy keIivDfiekF Kfs kr sihkfrqf qy jylH mMqrIsuKijMdr isMG rMDfvf, BfrqI hfkI tImdy sfbkf kpqfn qy jlMDr kYNt qoN ivDfiekprgt isMG, igwdVbfhf qoN ivDfiekamirMdr isMG rfjf viVMg aqygurdfspur qoN ivDfiek birMdrmIq isMGpfhVf ny ivDfn sBf ivc keI muwidaF Auqy

ivDfn sBf kmytI ny srkfr ƒ vfady cyqy krvfeycMzIgVH: pMjfb ivDfn sBf dI anusUicq jfqIaF, anusUicq kbIilaF

aqy pwCVIaF ÈRyxIaF dI BlfeI kmytI ny kYptn srkfr ƒ isPfrÈ kIqI hY ikcox vfady anusfr ivDvf, buZfpf pYnÈn 750 rupey qoN vDf ky 1500 rupey pRqImhInf aqy aÈIrvfd skIm aDIn rfÈI 21 hËfr rupey qoN vDf ky 51 hËfrrupey kIqy jfvy. ieh isPfrÈF ivDfiek nwQU rfm dI agvfeI hyT bxfeI geIivDfn sBf dI kmytI ny kIqIaF hn. kmytI ny aMqrjfqI ivafh krvfAux vflyjoiVaF ƒ idwqI jFdI rkm vDfAux dI vI isPfrÈ kIqI hY.

kmytI df kihxf hY ik rfjsQfn srkfr ienHF ƒ pMj lwK rupey idMdI hY jdoNik pMjfb srkfr pMjfh hËfr rupey adf krdf hY. srkfr ƒ ieh rfÈI vDf kysfZy iqMn lwK rupey krnI cfhIdI. kmytI ny pMjfb srkfr ƒ Xfd krvfieaf hYik cox vfady pUry krn df smF af igaf hY.

928 kroV df krËf lYx vfsqy rfh pwDrfcMzIgVH: pMjfb ivDfn sBf ny hMgfmy ivckfr pMjfb ivwqI iËMmyvfrI aqy

bjt soD ibl 2020 smyq pMj ibl pfs kr idwqy pr lok afXukq ibl sdnivc pyÈ nhIN kIqf igaf. pMjfb ivwqI iËMmyvfrI aqy bjt soD ibl pfs kIqy jfxnfl 928 kroV rupey df hor krËf lYx df rfh pwDrf ho igaf hY. ivwq mMqrImnpRIq isMG bfdl ny ieh ibwl pyÈ kridaF ikhf ik ivwqI Gftf kuwl GrylUAuqpfd df iqMn PIsdI qwk hI rwiKaf jfvygf.

bol ky srkfr ƒ nmoÈI ivc ËrUr Dwkidwqf. kFgrs dy sInIar afgUaF dfkihxf hY ik hfkm iDr dy ivDfiekF dIbolbfxI qoN bgfvqI surF Jlk rhIaF hn.kFgrs dy hI ivDfiekF ny bws qy trFsportmfPIaf, ibjlI smJOiqaF, aPsrÈfhIdIaF mnmfnIaF afid Auqy KuwlH ky cfnxfpfieaf.

pMjfb ivDfn sBf ivc sfl 2017 qoNhI ieh aflm bixaf hoieaf hY ik ÈRomxIakflI dl, afm afdmI pfrtI aqy lok

iensfP pfrtI dI sur nhIN imlI, ieQoNqwk pMjfb dy BKdy msly jo ienHF iqMnFpfrtIaF leI sFJy hn, Auqy vI iekwTIaFnhIN ho skIaF. ivroDI iDr df pftoDfVhoxf kFgrs ƒ rfs af irhf hY. akflIdl dy iek sInIar ivDfiek df kihxf hYik jykr smuwcI ivroDI iDr lok muwidaFAuqy iewkmq ho jfvy qF srkfr dI jvfbdyhIqYa kIqI jf skdI hY. ivDfn sBf dy bjtsYÈn ivc muwK mMqrI kYptn amirMdr isMGdI gYr hfËrI rVkdI rhI.

gYNgstrF nMU dUjy rfjF dIaFjylHF ‘c Byijaf jfvygf

cMzIgVH: jylH mMqrI suKijMdr isMGrMDfvf ny pMjfb ivcly gYNgstrF ƒ sUbydIaF jylHF ivcoN dUsry rfjF dIaF jylHFivc qbdIl krn Auqy Ëor idwqf hY. AunHFikhf ik Auh sUby dI ÈFqI aqy BfeIcfryleI vwzf Kqrf hn.

BrosyXog sUqrF qoN imlI jfxkfrIanusfr muwK mMqrI kYptn amirMdr isMGƒ ilKy pwqr ivc AunHF ikhf ik gYNgstrFƒ dUjy sUibaF dIaF jylHF ivc bdlx aqykuJ aihm muwidaF dy hwl leI kyNdrI gRihmMqrI qoN mIitMg leI smF lYxf cfhIdf hYqF ik hor ËrUrI mfmilaF dy nfl iesmfmly ƒ vI AuTfieaf jf sky.

AunHF ikhf ik jMmU kÈmIr dydihÈqgrd AuQoN dIaF jylHF qoN dUjy sUbydIaF jylHF ivc bdly gey hn qy Ausy qrËAuqy sUby dy gYNgstr vI qbdIl kIqy jfxycfhIdy hn. AunHF ikhf ik ivÈyÈ surwiKafloVF ƒ iDafn ivc rwKidaF sUby dIaF

iqMn jylHF df afDuinkIkrn krnf vI smyNdI aihm loV hY. ies dy nfl hI hor jylHFdf vI afDuinkIkrn kIqf jfxf cfhIdfhY.

AunHF jylHF ivc lgfqfr mobfeIlimlx aqy k uJ h or mfmilaF d ymwdynËr ikhf hY ik pMjfb dIaF jylHFivc surwiKaf leI kyNdrI irËrv puilsPors dIaF do hor kMpnIaF qfienfqkrn dI ËrUrq hY.

rMDfvf ny muwK mMqrI ƒ ilKy afpxypwqr ivc ikhf hY ik sUby dIaF jylHFivclIaF KflI afsfmIaF leI nIm POjIblF dy aiDkfrI lfey jfxy cfhIdy hnikAuNik Auh vDyry pyÈyvrfnf phuMc apxfky mfmilaF ƒ hwl krn vl iDafn idMdyhn. ipClI akflI-Bfjpf srkfr dy dssfl dy kfrjkfl ivc jylHF dy pRbMDsuDfrn vwl bhuqf iDafn nf dyx dy doÈlfey gey sn.

bMd KMz imwlF ‘c lwgxgy bfieE gYs plFtcMzIgVH: pMjfb srkfr vwloN sUby

dIaF bMd peIaF KMz imwlF dI jgHf ƒvrqoN ivc ilafAux dIaF koiÈÈF qihqrwKVf (pitaflf) KMz imwl ivc 180 kroVrupey dI lfgq vfly kMpRYsz bfieE gYsplFt lgfAux dI isDFqk pRvfngI dyidwqI geI hY.

ieh PYslf ieQy sihkfrqf mMqrIsuKijMdr isMG rMDfvf dI ieMzIan afielkMpnI dy aiDkfrIaF nfl Auc pwDrImIitMg ivc ilaf igaf. mIitMg AuprMqsRI rMDfvf ny ikhf ik sihkfrqf ivBfgvwloN bMd peIaF KMz imwlF dI QF ƒ vrqoNivc ilafAux dIaF koiÈÈF qihq iespRojYkt ƒ pRvfngI idwqI geI hY. AunHFikhf ik ies pRojYkt nfl ijQy prflI dIsmwisaf df vI hwl hovygf, AuQy ruËgfrdy mOky vI pYdf hoxgy. AunHF ikhf ik bfieE

gYs plFt leI iksfnF qoN sihkfrIsusfietIaF rfhIaF Jony dI prflI KrIdIjfvygI. AunHF ikhf ik 18 mfrc ƒ hoxvflI mIitMg ivc ies pRojYkt dIaFqjvIËF ivcfrIaF jfxgIaF.

ieMzIan afiel dy cIP jnrl mYnyjrÈfqƒ gupqf qy izptI jnrl mYnyjr(afltrnyt aYnrjI) ibjy kumfr ny mIitMgdOrfn ies pRojYkt ƒ ÈurU krn dI sihmqIpRgtfAuNidaF ikhf ik ies pRojYkt nflroËfnf 30 tn gYs qy 100 tn kudrqIKfd df Auqpfdn hovygf. ies pRojYkt nfl20 iklomItr dy dfiery ivc afAuNdy iksfnFkoloN Jony dI prflI KrIdI jfvygI.

ÈUgrPYWz dy cyarmYn amrIk isMGaflIvfl ny ikhf ik srkfr vwloN bMdpeIaF sihkfrI KMz imwlF QF ƒ vrqoNivc ilafAux dIaF koiÈÈF kIqIaF jf

rhIaF. ÈUgrPYz dy aYm[zI[ punIq goielny dwisaf ik sihkfrqf mMqrI vwloN bMdpeIaF KMz imwlF dI KflI QF ƒ vrqoN ivcilafAux leI 26 nvMbr 2019 ƒ kyNdrIpYtrolIam mMqrI ƒ pwqr iliKaf igafsI ik pitaflf, ËIrf qy qrn qfrn ivcieMzIan afiel ƒ pRojYkt lgfAux dImnËUrI idwqI jfvy. pYtrolIam mMqrfly dyafdyÈF Auqy ieMzIan afiel dy kfrjkfrIzfierYktr suboD kumfr vwloN ÈUgrPYWz dyaiDkfrIaF nfl ies sfl 20 PrvrI ƒmIitMg kIqI sI. ies ivc bMd peIaF KMzimwlF ‘qy kMpRYsz bfieE gYs plFtlgfAux dI sihmqI dy idwqI sI. AunHFdwisaf ik ieMzIan afiel vwloN pihl dyafDfr Auqy rwKVf KMz imwl df 26 PrvrIƒ dOrf kIqf igaf ijQy AunHF ies pRojYktƒ sQfpq krn df PYslf kIqf.

Page 6: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (6)

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zfk rfhIN prcf mMgvfAux leIsflfnf cMdf: 105 zflrpMj sfl leI: 475 zflr

not: pMjfb tfeImË ivc Cpy lyKFivcly ivcfrF nfl adfrf pMjfbtfeImË df sihmq hoxf jrUrI nhIN hY.ieh pfTkF dI mihj jfxkfrI ihwq CfpyjFdy hn. AunHF dy shI jF glq hoxbfry PYslf pfTkF dy hwQ ivc hY.

pMjfb tfeImË ivc Cpy ieÈiqhfrFivc kIqy gey dfaivaF dI jrUrI nhINik adfrf pMjfb tfeImË qfeId krdfhovy. pfTk iksy vI iesLiqhfr dydfaivaF dI pusLtI afp kr lYx.

(zf[) nvdIp kOrblivMdr (inwkI) kOr syKoNsvrnjIq isMG iZloNamolk isMG gfKldrsLn isMG gryvflhridafl isMG idEl

zf[ guridafl isMG bsrfnhrjIq isMG sfhIsrvx isMG itvfxfjYdyv isMG BwTlprimMdr isMG vflIafjsivMdr isMG (jwsI) igwl

pMjfb tfeImjL df afnryrI slfhkfr borzzf[ hrgurmuKpfl isMGzf[ qyijMdr isMG mMzyrjgdIsLr isMG klyrrGbIr isMG GuMndrsLn isMG drVzf[ gurcrn isMG gryvfl

rfijMdr isMG bYNsmndIp isMG BUrfguljLfr isMG mulqfnIavqfr isMG spirMgPIlzgurvIr isMG igwl

sRI afnMdpur sfihb: iswKF dypRiswD iqAuhfr holy mhwly dOrfn pivwqrngrI sRI afnMdpur sfihb pUry KflseIrMg ‘c rMgI nËr afeI. lwKF ÈrDflU gurUGr nqmsqk hoey.

ies mOky gurduafrf gurU ky mihlBorf sfihb, sIs gMj sfihb, iklHfanMdgVH sfihb, iklHf PqihgVH sfihb,iklHf lohgVH sfihb, gurduafrf holgVHsfihb aqy gurduafrf iklHf qfrfgVHsfihb afid ivKy sMgqF ny GMitaFbwDIkqfrF ‘c lwg ky mwQf tyikaf aqy gurUsfihbfn dIaF asIsF pRfpq kIqIaF.qKq sRI kysgVH sfihb ivKy DfrimksmfgmF ‘c jQydfr igafnI rGbIr isMGny sMgq ƒ apIl kIqI ik Auh holf mhwlydy pfvn iqAuhfr mOky gurU sfihbfn dydrsfey mfrg Auqy cwlidaF bfxI aqybfxy dy DfrnI bxn.

sRI anMdpur sfihb ivKy vwK-vwKmfrgF rfhIN kysrI aqy nIly rMg dIaFdsqfrF aqy dupwty sjf ky afeIaF sMgqFvloN ‘boly so inhfl, siq sRI akfl` dyjYkfiraF ny ielfky dy smuwcy mfhOl ƒKflsfeI rMg `c rMg idwqf hY. ijQy holfmhwly sbMDI sMgq `c BfrI AuqÈfhvyiKaf, AuQy hI gurU kIaF lfzlIaF POjFinhMg isMG vI afpxIaF afpxIaFCfAuxIaF `c swj ky sMgqF `c iKwc df

holy mhwly mOky KflseI rMg ‘c rMgIsRI afnMdpur sfihb dI DrqI

iKwc df kyNdr bixaf ivrfsq-ey-KflsfsRI afnMdpur sfihb: holy mhwly mOky sRI anMdpur sfihb ivc hËfrF dI

igxqI ‘c phuMcIaF sMgqF vfsqy brsfq dy bfvjUd ivÈv pRiswD ivrfsq-ey-Kflsf ivÈyÈ iKwc df kyNdr bixaf irhf. ies ƒ vyKx leI phuMcI sMgq vrHdy mINh‘c lMmIaF kqfrF lgf ky afpxI vfrI dI AuzIk krdI vyKI geI. dwsxXog hY ikpRÈfsn dI hdfieq Auqy sMgq dI shUlq leI ivrfsq-ey-Kflsf vyKx leI smFsvyry 8 vjy qoN Èfm 8 vjy qwk kr idwqf igaf hY qy holy mhwly krky ivrfsq-ey-Kflsf somvfr ƒ vI ivÈyÈ qOr ‘qy sMgqF vfsqy KolHy jfx df PYslf ilaf igaf.sMgq df kihxf sI ik jykr sRI anMdpur sfihb af ky gurduafrf sfihbfn dydrÈn krky nqmsqk nf hoey qy ivrfsq-ey-Kflsf nf vyiKaf qF ieQy afAux dfkoeI lfB nhIN rihMdf.

kyNdr hn.holf mhwlf mOky qKq sRI kysgVH

sfihb nqmsqk hox puwjy akfl qKqsfihb dy jQydfr igafnI hrpRIq isMG nypRcfrk rxjIq isMG ZwzrIaF vwloN kIqyjf rhy ivroD ipwCy idwlI qoN iswK ivroDI‘sfiËÈF` hox vwl sMkyq kIqf hY. AunHFikhf ik ieh koeI nvIN gwl nhIN hY blikjd qoN CyvyN pfqÈfh ny sRI akfl qKqsfihb dI sQfpnf kIqI, AudoN qoN hI iehiswK ivroDI qfkqF Kfs kr ky mugl qyaMgryË hkUmq aqy 1947 mgroN vwK-vwK mOikaF Auqy swqf `qy kfbË kyNdrIsrkfrF dy inÈfny `qy irhf hY. ies mOkyAunHF nfl qKq sRI kysgVH sfihb dyjQydfr rGbIr isMG vI mOjUd sn.

jQydfr hrpRIq isMG ny ikhf ik sRI akflqKq sfihb iswK kOm dI srvAuWc sMsQfhY. ies sMsQf df ieho mMqv hY ik jykrkoeI kOmI mslf hY qF Aus df hwl imlbYT ky sMvfd rfhIN akfl qKq dIsrpRsqI hyT kwiZaf jfvy.

AuDr, muqvfËI jQydfr jgqfr isMGhvfrf ny holy mhwly mOky iswK kOm dy nFsMdyÈ jfrI kIqf hY ijs ƒ hvfrf kmytIvloN mIzIaf ƒ jfrI kIqf igaf hY. AunHFajoky hflfq ivc gurU qoN bymuK nf hoxbfry ikhf hY. AunHF gurU sfihbfn dI bfxInfl juVn, gur ieiqhfs pVHn aqy AusqoN syD lYx leI ikhf. AunHF kysfDfrI,aMimRqDfrI aqy ÈsqrDfrI hox leIpRyiraf.

pMjfb ivc vI koronfvfiers dI dsqk

nvIN idwlI: dyÈ ‘c koronf vfiersdy 8 hor mfmly sfhmxy afAux dy bfadpIVqF dI igxqI 55 ho geI hY. pMjfb qykrnftk ‘c koronf vfiers dy 1-1 mfmlydI puÈtI hoeI hY aqy dovyN sUibaF ‘cvfiers df pihlf mfmlf sfhmxy afieafhY.

pMjfb ‘c ipCly hPqy ietlI qoN prqyhuiÈafrpur invfsI dy koronf vfiers nflpIVq hox dI puÈtI hoeI hY. Auh afpxy dohor pirvfrk mYNbrF nfl 4 mfrc ƒ idwlIrfhIN aMimRqsr aMqrrfÈtrI hvfeI awzy‘qy phuMicaf sI. krnftk df ieksfPtvyar ieMjInIar koronf vfiers dfpfjIitv pfieaf igaf hY. kyNdrI ishqmMqrfly dy aiDkfrIaF ny dwisaf ikkyrl, idwlI, AuWqr pRdyÈ aqy jMmU-kÈmIr ‘c iek-iek nvF mfmlf sfhmxyafieaf hY. puxy ‘c vI 2 lok vfiers qoNgRsq pfey gey. ijhVy hfl hI ‘c dubeIqoN vfps afey sn. kyrl ivc iqMn sfldI ijs bwcI ‘c koronf vfiers dI puÈtIhoeI hY, Auh afpxy mfqf-ipqf nfl 7mfrc ƒ ietlI qoN afeI sI.

cIn qoN ÈurU hoieaf jfnlyvf koronfvfiers pUrI dunIaF ivc pYr psfrdf jfirhf hY.kronf dI lpyt ‘c af ky ivÈv dy100 qoN vwD dyÈF ‘c hux qwk 4000 qoNvwD ivakqIaF dI mOq ho cuwkI hY jdoNik1,10,000 lok ies qoN pIVq hn. cIn qoNbfad ietlI ‘c sB qoN vwD mOqF hoeIaFhn. ies jfnlyvf vfiers nfl iek idnivc ietlI ‘c 133 aqy eIrfn ‘c 43mOqF hoeIaF hn. cIn ‘c hux qwk 3119mOqF ho cuwkIaF hn, jdoNik 80,735ivakqI pIVq hn. eIrfn ‘c ies vfiersnfl 237 ivakqIaF dI mOq ho cuwkI hYaqy 6566 ivakqI ies qoN pIVq hn.dwKxI korIaf ‘c hux qwk 50 mOqF hocuwkIaF hn aqy 7382 ivakqI ies qoNpIVq hn.

pfiksqfn dy kfmyzI ikMg amfnAuWlHf Kfn df dyhFqlfhOr: AuGy pfiksqfnI hfsrs

klfkfr amfnAuWlHf Kfn df dyhFq hoigaf. Auh PyPiVaF qy guridaF dI ibmfrInfl jUJ rhy sn. AunHF dy pirvfr nydwisaf ik Kfn ipCly iek hPqy qoNhspqfl ivc dfKl sn. iËkrXog hY ikKfn gujrFvflf nfl sbMDq hn aqy Auh1970 ivc kMm-kfj leI lfhOr af gey

sn. AunHF pbilk bwsF ivc tOPIaF vIvycIaF. Kfn df hunr AudoN sfhmxy afieafjdoN AunHF sUPI drgfh dfqf drbfr nyVysVk ‘qy hoey kfmyzI Èoa ivc ihwsf ilaf.AunHF ƒ pRiswDI, lfhOr QIeytr ivc kIqIhfsrs dI pyÈkfrI qoN imlI. AunHF AuWGIaFhsqIaF dI nkl lf ky ‘kfmyzI ikMg‘ dfnfmxf Kwitaf. Auh afsfnI nfl drÈkF

ƒ hsfAux ivc mfihr sn. 45 virHaF dykrIar ivc AunHF do hËfr qoN vwD nftkKyzy. ies qoN ielfvf AunHF iPlmF qytYlIivËn dy pRogrfmF ivc vI kMm kIqf.AunHF dIaF iqMn bIvIaF qy 14 bwcy hn.

(sPf iek dI bfkI)

lIhoN lwQI kYptn srkfr nyqÈwdd df rfh PiVaf

BfeIvflF dy suafrQ pUrn leI kyNdrnhIN krvf irhf kmytI coxF: mfnsRI anMdpur sfihb: pMjfb dIaF

muwK isafsI iDrF- kFgrs, ÈRomxIakflI dl-Bfjpf aqy afm afdmI pfrtIny holf mhwlf mOky afpo-afpxI isafsIkfnPrMs krn qoN iknfrf kIqf, prdhfikaF qoN cwldI rvfieq muqfbk ÈRomxIakflI dl (aMimRqsr) ny qKq sRIkysgVH sfihb dy sfhmxy srovr nfllwgdy mYdfn ‘c isafsI kfnPrMs kIqI

geI. ies mOky pfrtI pRDfn ismrnjIqisMG mfn smyq smuwcI sInIar lIzriÈphfËr sI.

mfn ny ies mOky ikhf ik jykramrIkf, vYnËueylf mulk dIaF coxFkrvfAux leI sMXukq rfÈtr kol apIlkr skdf hY qF kfƒn muqfbk hoNd ivcafeI ÈRomxI kmytI dIaF coxF imQy smyNAuqy ikAuN nhIN ho skdIaF? AunHF doÈlfieaf ik kyNdr dI modI srkfr afpxyBfeIvflF dy isafsI aqy pirvfrksuafrQF dI pUrqI leI kfƒnI imafdKqm hox dy bfvjUd ÈRomxI kmytI coxFnhIN krvf rhI. sUby dI kFgrs srkfr‘qy vrHidaF mfn ny ikhf ik ivDfn sBfcoxF dOrfn gutkf sfihb dI JUTI shuM Kfky aqy lokF ƒ lfry lf ky swqf ivc afeIkYptn srkfr dI ipCly iqMn sfl dIkfrguËfrI ËIro rhI hY. AunHF ikhf iksUby df hr ivakqI kFgrs srkfr qoNnfKuÈ hY, kFgrs dy afpxy ivDfiek hIsrkfr qoN KuÈ nhIN hn.

Gr bYTx ivc hI BlfeI smJI. dws deIeyik ruËgfr smyq vwzy vfaidaF nfl swqfivc afey kYptn srkfr 3 sfl swqf BogcuwkI hY pr ajy qwk aijhf iek vI vfadfnhIN jo isry lwgf hovy. lokF df hux sbrtuwtx lwgf hY qy srkfr zMzy dy Ëor Auqyies lok roh ƒ dbfAux dI rxnIqI Auqycwl rhI hY. asl gwl qF ieh hY ik kYptnsrkfr ny 3 sfl swqf Bogx qoN bfad vIsUby dy ivwqI hflfq ƒ pYrF isr krn leIkoeI idlcspI nhIN idKfeI. hux hflfqvwsoN bfhr hn.

kYg dy aMkiVaF dI pVcol dwsdI hYik ipCly sfl aprYl qoN jnvrI 2020qwk srkfr kol kul p R fpqIaF43544[48 kroV rupey dIaF rhIaF aqynfl hI srkfr df Krcf 44985[79

kroV rupey irhf hY. srkfr df pRfiemrIsrpls (jo drasl Gftf hY) 1441[31kroV df irhf hY. iËkrXog hY ik srkfrƒ afpxy sfry sroqF qoN pRfpqIaF 2019-20 dy bjt anumfnF dy qkrIbn 55-60PIsd hoeIaF pr srkfr dy pUMjIgqKricaF ivc Kfsf ivwqI asMquln dyKxƒ imilaf hY. srkfr duafrf imQy gey2019-20 dy bjt anumfnF anusfr,srkfr ny 22842 kroV df pUMjIgq invyÈkrnf sI jo asl ivc kyvl 1621 kroVhI hoieaf hY. pUMjIgq KricaF dI iehktOqI jo awgy cwl ky ruËgfr dy mOikaF,krmcfrIaF qy kfrIgrF dIaF qnKfhFaqy srkfr dy tYksF ivc kmI df kfrnbxygI. srkfr dI ieh siQqI iehI ieÈfrfkrdI hY ik bfkI bcy 2 sflF ivc Aus qoNkoeI cox vfadf isry cVHn dI AumId nhINkIqI jf skdI.

gfiek iswpI igwliKlfP kys drj

mogf: AuGy pMjfbI gfiek iswpI igwliKlfP ieQy Qfxf mihxf ‘c hiQafrF ƒAuqÈfihq krn vfly gIq gfAux dy doÈqihq kys drj kIqf igaf hY. suprzYNtafP pulIs (jFc) hirMdrpfl isMGprmfr ny dwisaf ik ieh mfmlf pRo[ pMizqrfE Drynvr vfsI sYktr 41-bI cMzIgVHdI iÈkfieq ‘qy mUl vfsI ipMz rOlI (mogf)pMjfbI gfiek iswpI igwl qy Aus dI tImdy mYNbrF iKlfP drj kIqf igaf hY.

Page 7: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (7)

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kuikMg aqy qMdUr df kMm jfxdf hovy

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jwt iswK amrIkn istIjLn, Aumr26 sfl, nrisMg kr rhI lVkI leIbrfbr Xogqf, izgrI holzr, gur iswKlVky dI loV hY. mflvy nUM pihl. lVkfieMzIaf, kYnyzf, ieMglYNz jF afstrylIafikqoN vI hovy. XU[ aYs[ tfeIm kfl kro,Pon: 1-216-385-4025, 1-216-937-9054 (vftsaYp), +91-98776-26005 (ieMzIaf) 8-11

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sYxI iswK Aumr 34 sfl, kwd 5’-9”, gYs styÈn ‘qy mYnyjr vjoN kMmkrdy, niÈaF qoN rihq lVky leIsohxI-sunwKI amrIkn istIËn jFgrIn kfrz holzr pirvfrk lVkI dIloV hY. qlfksLudf ‘qy vI ivcfr ho skdIhY. jfq-pfq df bMDn nhIN. sMprk kro,Pon: 319-670-8892 11-

afieEvf styt ivc ieMzIan rYstorYNt leIqjrbykfr qMdUrIey sLYP aqy izsL vfsLr dI

loV hY. cMgI qnKfh, Kfxf qy irhfiesL muPq

11-12

sMprk kro: imstr isMG

qMdUrIey sLYP qy izsL vfsLr dI loV hY

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pRIiKaf dyxoN rokx ‘qy ividafrQI vloN KudkuÈI

ËmInI JgVy c Brf df kqlbiTMzf: biTMzf dI nvIN bsqI ivc

ËmInI JgVy dy clidaF vwzy Brf vloNipsqOl nfl golI mfr ky afpxy Coty Brfdf kql kr idwqf igaf. kql krn mgroNdoÈI Brf Prfr ho igaf. Qfxf koqvflIdI puils ny ipqf dy ibafnF dy afDfrAuqy mfmlf drj kr ky aglI kfrvfeIÈurU kr idwqI hY.

jfxkfrI anusfr jsivMdr isMG

AurP rOkI (36) puwqr jsvMq isMG vfsIglI nMbr-4, nvI bsqI biTMzf dfafpxy Coty Brf ismrnjIq isMG irMkU(31) nfl ËmIn ƒ lY ky JgVf cwl irhfsI ik jsivMdr isMG ny afpsI rOly ipCoNismrnjIq isMG nUM ipsqOl nfl golIaFmfr ky gMBIr jKmI kr idwqf. ismrnjIqƒ ielfj leI qurq pihlF isvlhspqfl qy ipwCoN mYks hspqfl ‘ciljfieaf igaf, ijQy Aus dI mOq ho geI.imRqk ismrnjIq isMG dI CfqI ivc 3golIaF vwjIaF. imRqk dy ipqf jsvMqisMG ny dwisaf ik jsivMdr isMG, jo ikivafihaf hoieaf, AunHF qoN alwg rihMdfsI qy ipCly kfPI smyN qoN ËmIn afpxy nFkrvfAux dI mMg kr irhf sI.

iesy kr ky Aus df afpxy Coty BrfismrnjIq nfl rOlf sI. jsvMq isMG nydwisaf ik AunHF dy ipqf dI ajy kuJ smFpihlF hI mOq hoeI hY aqy Gr dI ËmInAunHF dy nF hI sI, ijs kfrn ËmIn ajyhuxy hI Aus dy nfm cVHI hY ijs dI qksImvI hoxI bfkI hY. aijhy ivc jsivMdrisMG dy nF ËmIn nhIN sI ho skdI. ËmInnF krvfAux dy guwsy ivc jsivMdr nyismrnjIq ƒ golI mfr idwqI.

koËIkoz y: kyrl dy mflfbfrikRscIan kflj ‘c pVHdy iek pMjfbIividafrQI jspRIq isMG (21) ny KudkuÈIkr leI, ikAuNik Aus ƒ hfËrIaF Gwt

hox dy cwlidaF pRIiKaf dyx qoN rok idwqfigaf sI. jspRIq isMG bI[ey[ arQÈfsqr dy afKrI sfl df ividafrQI sI,ijs dI lfÈ ƒ kort kMplYks nyVy AusdI mfqf ny Cwq vfly pwKy nfl ltkidaF

vyiKaf.mflfbfr ikRscIan kflj dy

ipRMsIpl df kihxf hY ik ieh qIsrI vfrsI, jdoN jspRIq dIaF hfËrIaF Gwt sn,Aus dIaF hfËrIaF 68 PIsdI hox kfrnAus ƒ pRIiKaf dyx qoN rok idwqf igafsI, ikAuNik kflIkt XUnIvristI ‘c Gwto-Gwt 75 PIsdI hfËrIaF hoxIaF ËrUrIhn. pirvfr df kihxf hY ik jspRIq dy

ipqf mnmohn isMG vloN keI vfr kfljpRÈfsn ƒ jspRIq ƒ pRIiKaf ‘c bYTx dIiejfËq dyx dI bynqI kIqI geI sI,ikAuNik AunHF ƒ imRqk dy dfdy dIaF aMiqmrsmF leI pMjfb afAuxf ipaf sI aqysI[ey[ey[ ivroDI pRdrÈnF dy cwlidaF rylgwzIaF rwd hox kfrn Auh jldI vfpsnhIN sI prq sky, ijs bfry kflj pRÈfsnƒ sUcnf dy idwqI geI sI.

krqfrpur: ÈrDflUaFleI awgy afieaf

srbwq df Blf trwstzyrf bfbf nfnk: srbwq df Blf

cYrItybl trwst vwloN loVvMd ÈrDflUaFƒ afpxy Krc Auqy gurduafrf krqfrpursfihb dy drÈn dIdfry krvfAux leIpihlkdmI kIqI geI hY. ieh pihl gurUnfnk dyv dy 550 sflf pRkfÈ purb dymwdynËr kIqI geI hY.

trwst dy bfnI zf[ aYs[pI[ isMGEbrfey dI pqnI minMdr kOr Ebrfey nyÈrDflUaF dy iek jQy ƒ krqfrpur sfihbdy drÈnF leI rvfnf kIqf. AunHF ikhfik lFGf KuwlHx kfrn sMgq dy mn ‘cbhuq cfa qy AuqÈfh hY, pr hryk ÈrDflUKrc nhIN cuwk skdf. ies leI srbwqdf Blf cYrItybl trwst ny PYsly ilafsI ik 30 nvMbr 2020 qwk 1100 loVvMdÈrDflUaF ƒ trwst afpxy Krcy Auqykrqfrpur sfihb dy drÈn krvfeygf,pr hux sMgqF dy AuqÈfh ƒ vyKidaFtrwst ny 1100 dI QF 2500 ÈrDflUaFƒ drÈn krvfAux df PYslf ilaf hY.

trwst dy kOmI pRDfn jwsf isMG sMDUdI agvfeI hyT jfx vfly jQy ivc 107ÈrDflU Èfml hn. ies smuwcy jQy leIrsqy ‘c Kfx pIx df pRbMD vI trwst vwloNkIqf igaf hY. trwst rfhIN drÈn krnjfx leI cuxy gey ÈrDflU df trwst vwloNhI afnlfeIn aplfeI kIqf jFdf hY aqysrkfr vwloN mnËUrI iml jfx AuprMqtrwst iPr Aus ÈrDflU df Gr qoN lY kydrÈn krn AuprMq sfrf Krc afp krdfhY. AunHF ikhf ik jo ÈrDflU Krc qF afpkr skdy hn pr AunHF ƒ Pfrm Brn ‘cmuÈkl pyÈ af rhI hY Auh vI sMprk krskdy hn. ÈrDflU trwst dy jlMDr ivclydPqr dy hYlplfeIn nMbr01815096900 Auqy sMprk kr skdy hn.

Page 8: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (8)

‘pMjfb tfeImjL’ dy 7 mfrc 2020dy aMk ivc iewk vfr iPr s[ gurbcnisMG df iewk qrPf njLrIaf ibafnkrdf lyK ‘musilm kqlyafm, sMsfrafrQk sMkt aqy PfsLIvfd’ pVHn nUMimilaf. ies ivc rwqI Br vI sLwk nhINik idwlI ivc iewk vfr iPr ihMsf df jonMgf nfc hoieaf, ieh byhwd inMdxXogsI aqy ies dI ijMmyvrI qoN srkfr nUMiksy vI hflq ivc brI nhIN kIqf jfskdf. puils nf isrP 1984 dykqlyafm vFg mUk drsLk bxI rhI,sgoN iksy hwd qwk dMgfkfrIaF df sfQidMdI njLr afeI. hr sUJvfn BfrqI dIvwzI icMqf ieh hY ik ies ihMsf aqypRqIihMsf dy cwkr nUM TwlH nf pf ky iesdf duhrfE ikAuN vyKx nUM imldf hY?

ies qrHF dy duKdfeI vrqfiraFdf aMq krnf nf isrP srkfr dI, sgoNsfzy sB dI vwzI ijMmyvfrI bxdI hY,pr myrf ikMqU ieh hY ik s[ gurbcn

gurbcn isMG df iewkpfsV njLrIaf[[[

isMG ijhy sUJvfn ivdvfn idwlI dIaF ienHFmMdBfgIaF GtnfvF nUM ivMg-vl pf kypMjfb dy kfly dOr nfl joV idMdy hn aqypMjfb ivc hoeI aMnI ihMsf leI isrPsrkfrI iDr nUM dosL dy ky dUjI iDr nUMdosL mukq krn df Xqn krdy lwgdy hn.pMjfb ivc iewk iDr vwloN iewk iPrky dymfsUmF df kqlyafm huMdf irhf, pr iesleI srkfrI eyjMsIaF nUM ijMmyvfrTihrfAux df Xqn kIqf jFdf hY.

ies islisly ivc ‘pMjfb tfeImjL’dy iesy aMk ivc s[ amrdIp isMG amrdf lyK ‘kfsL! dunIaF ivc koeI Drm nfhuMdf’ kfbly gOr hY. ies lyK ivc AunHFbVI dlyrI nfl svIkfr kIqf hY ik pMjfb

ivc iPrkU ihMsf leI byikrk KfVkUaFdI ijMmyvfrI qoN ienkfr nhIN kIqf jfskdf. iZlvF kFz `c iewk iPrky nUMinsLfnf bxfieaf igaf. lflf jgqnfrfiex qy iPr AunHF dy lVky rmysL dfkql krky Drm sQfn ivc sLrx leIgeI. kiQq qOr `qy AunHIN idnIN hI bwbrFdy bulfry anoK isMG ny inrMkfrIaF dykql dI gwl kbUlI sI. ienHF ihMsksrgrmIaF ivc srkfrI eyjMsIaF df hwQkih ky surKurU nhIN hoieaf jf skdf.

jy s[ gurbcn isMG qsvIr dy dUjypfsy qwkx dI jihmq krn qF spsLt hojfvygf ik pMjfb dy duKFq ivc idsLfhIxbylgfm KfVkUvfd suafrQI isafsq df

7 mfrc dy aMk ivc iswK buDIjIvI gurbcn isMG ny hfl hI ivc idwlI ‘c hoey musilmivroDI PsfdF dy hvfly nfl pMjfb ivc 1980ivaF qy 90ivaF dI KfVkU lihr bfry kuJitwpxIaF kIqIaF sn. AunHF dy pRqIkrm vjoN hrjIq idEl ny afpxf ieh pRqIkrmByijaf hY. -sMpfdk

mohrf bx iensfnIaq df Gfx krn ‘cbrfbr df BfgIdfr irhf hY. blUstfraprysLn, ijs nUM aksr drbfr sfihb‘qy hmlf ikhf jFdf hY qy ies dI qulnfabdflI dy hmly nfl kIqI jFdI hY.srkfr ny bfad ‘c ies aprysLn dIglqI mMnidaF nuksfnI geI iemfrq nUMmuV bxvfieaf, pr abdflI df AudysLqF isrP Drm sQfn Zfhuxf hI sI.

kinsLk kFz leI vI srkfrIeyjMsIaF nUM ijMmyvfr Tihrfieaf jFdf hYqF kYnyzf vsdy sUJvfnF df svfl hY ikjy qlivMdr isMG prmfr srkfrI eyjMtsn qF AunHF nUM ngr kIrqnF ivc sLhIdikAuN grdfinaf jFdf hY. ivdvfn s[

gurbcn isMG nUM ies pfsy vI ivcfrkr aglIaF pIVHIaF nUM gumrfh hoxqoN bcfAux df Xqn krnf bxdf hY.

ksLmIr ivc ieslfimk aiqvfddI qih qwk jfx leI Aus smyN dygvrnr jgmohn dI svYjIvnI ‘bldyicnfr’ pVH lYxI cfhIdI hY. KusLvMqisMG aqy ky[ pI[ aYs[ igwl ny vIblUstfr afprysLn dI QF hor ZMgqrIkf vrqx dI hmfieq kIqI sI.KusLvMq isMG ny qF afpxf pdmsLRIaYvfrz qwk vfps kr idwqf sI, prAuh Drm sQfn nUM mYdfny jMg bxfAuxdy vI hwk ivc nhIN sn.

smF af igaf hY ik inrpwK svY-pVcol kridaF iewk pfsV njLrIey dfiqafg kr ky ieiqhfs qoN sbk leIeyaqy pMjfb dy nOjvfnF nUM gumrfh hoxqoN bcfeIey. pMjfb aqy pMjfbIaq nUMbcfAux leI jnUMnI Dfrimk kwtVvfdqoN bcx dI awj sKq loV hY. afE,ies pfsy iml-jul ky hMBlf mfrIeyaqy amn vwl jFdy rfh dy pFDI bxIey.

-hrjIq idEl, brYNptn Pon: 905-676-9242

pRqIkrm

Bfrq dI rfjDfnI idwlI ‘c 24 qoN26 PrvrI nUM hoeI musilm ivroDI iPrkUihMsf ny pUry dyÈ nUM JMjoV ky rwK idqf hY.ies dOrfn drjnF ielfikaF ivc kql,awgF qy mfr-DfV df mMËr dyKx nUMimilaf. byrihmI nfl glI muhwilaF ‘choey guMzf grdI dy nMgy nfc ny siBaksmfj hox `qy suaflIaf inÈfn lf idqfhY. KUn dI KuwlH ky KyzI geI holI dOrfnidwlI puils ikDry vI idKfeI nhIN idwqI.

ÈfhIn bfg ivc sI[ ey[ ey[ iKlfPÈFqmeI mujfhry qoN zry sfÈkF vloN idwlIivDfn sBf coxFd Orfn PYlfeInPrq qoN iksyi B a f n kaxhoxI dy sMkyqqF iml hI rhysn. ivroDIaF nUMg wdfr dws ky

golI mfrn aqy blfqkfr krn dIaFDmkIaF nyqf Èwryafm idMdy rhy. BfrqIjnqf pfrtI (Bfjpf) vloN coxF ivc nirMdrmodI, aimq Èfh, keI muwK mMqrIaF aqyhor nyqfvF vloN ÈfhIn bfg nUM hI muwKcox muwdf bxfieaf igaf sI. Èrmnfkhfr qoN bOKlfey Bfjpf afgU Ëihr Golrhy sn. kipl imÈrf Èwryam awgAugldy kfnUMn hwQ ivc lYx dIaF DmkIaFpuils dI mOjUdgI ivc idMdy rhy. srkfrny cuwp sfDI rwKI.

afKr 24 PrvrI nUM AuhI hoieaf,ijs df zr sI. atl ibhfrI vfjpfeI ny2002 ‘c gujrfq dMigaF smyN ‘rfj Drm’dI pflxf krn dI nsIaq idwqI sI, prhux qF lfl ikRsLn azvfnI ijhy bjurgafgU jbfn KolHx qoN vI lfcfr idwsy. kOxkhy, ‘rfxI awgf Zk!’

1984 dy iswK kqlyafm dIXfd hoeI qfËf: 24 PrvrI nUM iekiPrky dI vwD vsoN vfly drjnF KyqrF ‘cihMsf df qFzv mcf ky 1984 dI iswKnslkuÈI dI Xfd qfËf krvf idwqI.drjnF muhwilaF ivc hiQafrF nfl lYsdMgeIaF ny hmly kIqy. ienHF ielfikaFivc sIlmpur, jfPrvfl, mOjpur,krdmpurI, bfbrpur, gokulpurI,Bgvfnpur, iÈvpurI afid Èfiml hn.mugl DfVvI bfbr vloN aijhf julm dyK

ky hI qF ‘nfnk pfqÈfh’ ny aYmnfbfdivc Aucfiraf sI, “eyqI mfr peI kulfxY,qYN kI drd nf afieaf]”

kfql Èwryafm golIaF clfAuNdy,mfr kuwt krdy, awgF lfAuNdy sVkF ‘qykohrfm mcfAuNdy rhy. ihMsf dOrfn 48inrdoÈ mfry gey, 300 dy krIb ËKmIhoey, 327 dukfnF qy 168 Gr sfVy gey.bI[ aYs[ aYP[ dy hvfldfr rqn lflaqy afeI[ bI[ aiDkfrI aMkur Èrmf vImfry gey. 50 dy krIb golIaF lgx nflmry. arbF rupey df mflI nuksn hoieafaqy sYNkVy pirvfrF dy DMdy plF ivc ihMsfdI Byt cVH gey. hjfrF pirvfr rfhqkYNpF ivc rihx leI mjbUr ho gey. doskUl aqy anykF vfhn vI sfVy gey.bldy GrF ivcoN aOrqF nUM bwicaF dI jfnbcfAux leI CwqF qoN hyTF suwtx leImjbUr hoxf ipaf. vwzI pwDr ‘qy DUMey dygubfr aqy bwicaF qy aOrqF dIaF cIkFvI dirMidaF dy idlF nUM psIË nf skIaF.ieh ibnf rok tok mfr-DfV krdyawgy vDdy gey.

pihlF socI smJI ihMsf:23 PrvrI nUM Bfjpf afgU kiplimÈrf puils sfhmxy ÈfhIn bfgivc aOrqF dy Drny nUM Kud htfAuxdIaF DmkIaF idMdy rhy. Aus ivruwDkfnUMnI kfrvfeI nf krnf puilsdI nIaq ‘qy pRÈn icMn lfAuNdf hY.24 PrvrI nUM byqhfÈf ihMsf hoeI,iksy nUM bc ky inklx df smF hInf imilaf.

bhuq vwzy ielfky ivc dukfnF,GrF aqy gwzIaF nUM awgf lf kynÈt kr idqf igaf. islislf dUjyidn 25 PrvrI nUM rfq qk vI by-rok jfrI irhf. muwK mMqrI arivMdkyjrIvfl ny ÈFqI dI apIl dy nflsB pfrtIaF dy ivDfiekF dImIitMg krky siQqI nUM ÈFq krn leIikhf. gRih mMqrI aimq Èfh ny vI mIitMgkrky mfhOl nUM ÈFq krfAux df XkIndvfieaf. 26 PrvrI Èfm nUM puils nymfrc kwiZaf, ijs nfl ihMsf nUM TwlH peI.

Bfjpf sMsd mYNbr gOqm gMBIr nyqurMq kipl imÈrf ivruwD sKq kfrvfeIdI mMg kIqI. Auqr-pUrbI idwlI ivc Dfrf144 lfAux dy bfvjUd ihMsf jfrI rhIaqy hspqflF ivc ËKmIaF dI afmdvDdI geI. 25 PrvrI rfq nUM aÈok ngrivKy msijd dI BMn qoV hoeI aqy PsfdIaFny ies dy guMbd lfgy BgvF JMzf tMg idqf.

ies sfry smyN dOrfn pRDfn mMqrI modIaqy gRih mMqrI aimq Èfh vloN pIVqF nUMidlfsf dyx df koeI Auprflf nf krnf vIkeI qrHF dy ÈMky KVHy kr igaf. qIjy idnsurwiKaf slfhkfr ajIq zovfl nypRBfivq ielfikaF df dOrf krkytI[ vI[ cYnlF rfhIN srkfr dIhfjrI qF lvfeI, pr koeI Toskdm cuwkx dI QF ‘jo hUaf sohUaf’ kih ky qurdy bxy.

kyjrIvfl ny issoDIaf nflpRBfivq ielfikaF ivc jf ky hrqrHF dI mdd df XkIn dvfieaf.mfry gey hvfldfr rfm rqn aqyafeI[ bI[ aiDkfrI aMikq Èrmfdy pirvfr nUM 1-1 kroV aqy hormfry gey ivakqIaF dy pirvfrFnUM 10-10 lwK rupey muafvjfdyx df aYlfn kIqf. kyjrIvflny gRih mMqrI nUM POj qfienfqkrn dI apIl vI kIqI.

suprIm kort ny ÈfhIn bfg Drnydy mfmly ‘qy PYslf 23 mfrc qk tflidqf. ihMsf dy mfmly dI suxvfeI kridaFidwlI hfeI kort dy mfxXog jwj zf[ aYs[murlIDrn ny idwlI puils nuM iPtkfrpfAuNidaF BVkfAu BfÈxF vfly Bfjpf dy4 nyqfvF iKlfP qurMq kys drj krn dIhdfieq kIqI, pRMqU rfq nUM hI jwjmurlIDrn df qbfdlf cMzIgVH kr idqfigaf. qIjy idn vI hspqflF ivc lokguaficaF dI Bfl ivc Btkdy idwsy.

rfjnIqI df dOr: ivroDI pfrtIaFdy nyqfvF ny Bfjpf nyqfvF dy BVkfAU

ibafnF nUM ihMsf df kfrn dwisaf aqy 3idn XojnfbwD ZMg nfl ihMsf leI srkfr‘qy imlIBugq dy doÈ lfey. iswDy qOr ‘qygRih mMqrI nUM ijMmyvfr dwsidaF Aus dyasqIPy dI mMg kIqI.

sihXogI pfrtIaF aYl[ jy[ pI[, jy[zI[ XU[ aqy akflI dl ny vI ihMsfBVkfAux vfilaF iKlfP sKq kfrvfeIdI mMg kIqI. puafVy dI jVH kipl imÈrfivruwD kfrvfeI dI mMg nUM axgOilafkrky Aus nUM 27 PrvrI nUM rYlI kwZxidwqI geI, ijs ivc iPr golI mfrn vrgynfhry lwgy. ies qoN kyNdr srkfr dI nIaq‘qy svfl AuTxy suBfvk hn.

dUjy pfsy aimq Èfh ny AuVIsf aqybMgfl ivc sI[ ey[ ey[ dy hwk ivc rYlIaFdOrfn ivroDIaF ‘qy lokF nUM BVkfAux dydoÈ lfey aqy sI[ ey[ ey[ nUM vfps nf lYx

df rfg alfipaf. byÈk drjn qoN vwDsUbf srkfrF sI[ ey[ ey[ ivruwD mqy pfskr cuwkIaF hn. sI[ ey[ ey[ ‘qy aVy rihxqoN sfP hY ik ihMsf krn vfly qF srkfrleI doÈI nhIN. iPr ivsLysL jFc tImF bxf

ky d oÈIaF n U M sËfvF ik MjhoxgIaF? sLwk hY ik jFc ivcpIVq lokF nUM hI AulJf ky pRyÈfnaqy dMizq kIqf jfvy.

trMp df rol: pUrI dunIaFivc lokqMqr, Drm inrpwKqf aqymnuwKI hwkF dy rfKy dwsx vflyamrIkI rfÈtrpqI zonflz trMpdy 2 idnF dOry dOrfn hI idwlI cihMsf BVkI. trMp ny ies nUM Bfrqdf injI mfmlf dws ky pwlf JfVilaf. hiQafr vyc qy BfrqI aYn[afr[ afeI[ votrF nUM BrmfAuxleI dosqI df ZMzorf ipwt ky qurigaf. amrIkf ivc trMp dIhrkq df BfrI ivroD hoieaf.

mfhOl ÈFq krn dIloV: PYlfeI geI nPrq aqyihMsf nfl idwlI pUrI qrHF dihlcuwkI hY aqy lokF ‘c zr qy KOPdf mfhOl bixaf hoieaf hY. dyÈdI iPrkU dMigaF kfrn smuwcyivÈv ivc ikrikrI hoeI hY. ihMsfdy bfvjUd vwK vwK DrmF dysQfnk lokF ny ihMsk guMizaF dfiml ky mukfblf krky afpsIBfeIcfry nUM aFc nhIN afAuxidwqI. hux sB qo N vwzI loVrfjnIqI nUM lFBy rwK ky pIVqpirvfrF dy awlH y ËKmF `qyivsLvfs dI mwlHm lfAuxf hY.idwlI srkfr pIVqF dy mflInuksfn dI BrpfeI krky muVvsyby dI ijMmyvfrI cuwky aqy bwicaFdI pVHfeI jfrI rwKI jfey. ÈfhIn

bfg mujfhrfkfrI siQqI dy mwdynËrmujfhrf mulqvI krn.

kyNdrI srkfr sB DrmF dy lokFivc surwiKaf dI Bfvnf pYdf kry. iesleI jrUrI hY ik smwisaf dI jVH nfgirksoD kfnUMn aqy kOmI nfgirkqf rijstrdI rwt iPlhfl bMd hovy. ies iKlfP dyÈivafpI ivroD nUM nËraMdfË nf kIqf jfeyaqy jnqf dIaF BfvnfvF dI kdr kIqIjfvy, qF ik smfj ivc nPrq qy sihmdf mfhOl Kqm ho sky aqy dyÈ afrQkmMdy qy byrujgfrI ijhy gMBIr muwidaF ‘qyiDafn kyNdirq krky awgy vD sky.

idwlI ihMsf ny 1984 df iswK kqlyafm Xfd krvfieaf

drÈn isMG ÈMkrPon: 91-99158-36543

idwlI ivc iPrkU ihMsf df iek idRsL

Bfjpf afgU kipl imÈrf

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (9)

pMjfb ivDfn sBf df ies vfrI dfbjt smfgm rfj srkfr leI suwK vflfnhIN bIiqaf qy jFdf-jFdf bhuq sfryikMqUaF-pRMqUaF df Zyr lf igaf hY. sBqoN vwzI gwl ieh rhI ik ies vfrI ivroDIiDr afpxI ijMmyvfrI inBfAux ivc EnIkfmXfb nhIN ho skI, ijMnf kFgrs pfrtIdy afpxy ivDfiekF ny afpxI srkfr nUMawgy lfeI rwKx nfl lokF df iDafniKwicaf hY.

ies dy keI kfrnF ivcoN iewk kfrnieh ikhf jf skdf hY ik ivroDI iDr dIafgU afm afdmI pfrtI ivc qflmyl dIGft lwBdI hY. hrpfl isMG cImf ivroDIiDr df afgU bxn ipwCoN akl dIaF keIpOVIaF ciVHaf jfpdf hY, pr ajy qwkAus pwDr nMU nhIN phuMc sikaf ik Auhsrkfr awgy spIz brykr bx sky. amnaroVf, mIq hyar qy srbjIq kOr mfxUkycMgI BUimkf inBf skx df pRBfv pfAuNdyrhy aqy ieh gwl lokF dy mn ivc ibTfAuxivc kfmXfb sn ik Auh Poky XwkV mfrky qur jfx vfly nhIN, afpxI ijMmyvfrIsmJdy hn.

akflI dl dI lVfeI iksy dy pwlyhI nhIN peI ik Auh krnf kI cfhuMdy hn,bs vfk-afAUt krn qwk sImq ho geyjfpdy hn. pvn kumfr tInUM ijwdF dy ZMgvrq ky KbrF ivc afAuNdf hY, Aus dfasr akflI dl dy pwky votrF qoN bfhrlylokF ‘qy bhuqf nhIN pYNdf qy ieh ZMg lMmfsmF cwlx vflf vI nhIN. ibkrm isMGmjITIey bfry mMinaf jFdf hY ik Auh ijwdFdI ibafnbfjLI krdf qy rojL dy vfk-afAUtdI agvfeI krn nfl AuBiraf hY, iehakflI dl dI agvfeI dy afpsI afZydf kfrn bx skdf hY. dUjy pfsy jdoNakflI dl dIaF rYlIaF ivc ijs vI QF

vwzy bfdl ny phuMcxf hovy, ibkrm isMGmjITIaf AuQy jfx qoN kMnI kqrf jFdf hYqF lok socx lwgdy hn ik pirvfr ivcAus dI AuTfx bfry ‘sB awCf’ vflI gwlnhIN lwg rhI.

ies nfl ieh gwl iPr afpxI QF hYik srkfr dy ivruD aslI BUimkf akflIafgUaF dI nhIN rhI. jo BUimkf ienHF nMUinBfAuxI cfhIdI hY, kdy-kdfeIN bol kyvI ienHF qoN vwD luiDafxy vfly ivDfiekbYNs Brf inBfAux ivc kfmXfb rihMdyhn. mOkf vrqxf Auh akflIaF qoN vwDjfxdy hn.

ivroDI iDr nMU jo BUimkf inBfAuxIcfhIdI hY, Auh inBf nhIN skI, Auh KudkFgrs pfrtI dy ivDfn sBf mYNbrF ivcoNkuJ ny ies qrHF inBfeI ik AunHF ivcoNkeIaF dI, aqy Kfs kr prgt isMG dIhr pfsy crcf huMdI suxI hY. ajy qwkieh gwl bfhr lokF ivc cricq sI ikies srkfr ny bfdl pirvfr dy iKlfPAunHF kMmF bfry koeI kfrvfeI nhIN kIqI,jo ivDfn sBf coxF dy pRcfr vyly mwudy vjoNlokF ivc AuBfry sn. ies vfrI Auho muwdyivDfn sBf ivc kFgrsI ivDfiekF ny muwKmMqrI dy sfhmxy igxf idwqy.

pMjfb c nisLaF dy mwudy nMU hor iksypfrtI qoN vwD kFgrs dy afpxy ivDfiekFny cwuikaf. gurU gRMQ sfihb dI byadbI,bihbl klF qy kotkpUrf dy golI kFz dIjFc ltkx nMU vI AunHF ny AuBfiraf.kFgrsI ivDfiekF ny pMjfb ivc QF-QFcrcf bxdy ryq-bjrI dy muwdy nMU vI jLornfl AuBfiraf aqy ieh vI gwl cwukI iksrkfr dIaF rozvyjL qy pYpsU dIaF bwsFkdy idwlI dy eyarport qwk puwjx nhINidwqIaF jFdIaF qy ienHF qoN duwgxy ikrfeynfl cwldIaF ipClI srkfr dy muKI

pirvfr dIaF bwsF ibnf iksy rokaMimRqsr qo N idwlI eyarport qwkcwldIaF hn. ies sbMDI adflq qoN imlystya dI dlIl dI hkIkq vI kFgrsIivDfiekF ny lokF sfhmxy rwK idwqI.

pMjfb ivDfn sBf df sYsLn hfly isrynhIN lwgf sI ik pMjfb kFgrs dy pRDfnrih cuky pRqfp isMG bfjvf dI kyNdrsrkfr dy kfnMUn mMqrI rvI sLMkr pRsfdnMU ilKI icwTI bfhr af geI. hYrfnIjnkgwl ieh hY ik Aus icwTI dy nfl pRqfpisMG bfjvf ny iewk qrHF ies rfj ivcafpxI pfrtI dI srkfr dy iKlfP hIbyivsLvfsI pRgt kIqI aqy kyNdrI mMqrInMU kfrvfeI leI ikhf hY.

kyNdr dI srkfr jF Aus df kfnMUnmMqrI ies mwudy ‘qy KVy pYr Brosf BfvyNkoeI dy dyx, kfrvfeI dy rfh Auh kdynhIN pYxgy, ikAuNik AunHF nMU aglIaFivDfn sBf coxF ivc nFh kr ky vIakflIaF nfl smJOqy dI kunIn cwbxI pYskdI hY. Auh akflIaF nMU zrfAux vfsqybxfeI motI PfeIl dy nfl pRqfp isMGbfjvf dI icwTI vI joV lYxgy, qF ik coxFivc afpxy leI vwD sItF lYx vfsqy AunHFdI PUk kwZx leI vrq skx. dUsry pfsyAuho kyNdrI afgU kort ivc pysL ho ky pMjfbdy muwK mMqrI aqy AunHF dI tIm nMU iesgwl df zrfvf dyeI jfxgy ik rfj srkfrny jy ienHF gwlF bfry kuJ nf kIqf qF kyNdrnMU dKl dyxf pY skdf hY.

rihMdI ksr ies sLuwkrvfr sI[ bI[afeI[ adflq ivc suxvfeI nfl inklgeI hY. zyZ sfl qoN vwD smF pihlF pMjfbdI ivDfn sBf ny iewk mqf pfs kr kybrgfVI dy byadbI kys dI jFc df hwksI[ bI[ afeI[ qoN vfps lYx df PYslfkIqf sI. p Urf ie wk sfl Aus dy

notIiPkysLn ipCoN ies mqy bfry koeI asrnhIN sI idwisaf qy iPr acfnk sI[ bI[afeI[ ny adflq ivc iewk klojLr irportpysL kr ky snsnI mcf idwqI. irportpysL hox qoN kuJ plF aMdr suKbIr isMGbfdl ies klojLr irport df svfgq krky Ps igaf, pr ijvyN Pisaf sI, AuvyN hIies ivvfd qoN inkl vI igaf sI aqypMjfb srkfr ies nfl Aultf Ps geI,ikAuNik Aus dy vwzy vkIl ‘qy kys dI pYrvInf krn jF nflfiekI df dosL lwgx lwgipaf. iPr ieh kys hfeI kort igaf qFAuQ y p Mjfb srkfr d y pfs kIq ynotIiPkysLn nMU jfiejL mMinaf igaf. ipCoNsuprIm kort ny vI ipCly mhIny TIkkrfr idwqf sI.

srkfr Aus ipCoN vI srgrm nhINhoeI aqy hwQ ‘qy hwQ Dr ky Auh kys sI[bI[ afeI[ adflq ivcoN afpxy kol afAuxdI afs rwKdI rhI. AuQy pqf lwgf ik sI[bI[ afeI[ ny iPr suprIm kort ivc iesdI iewk rIivAU ptIsLn dfier kr idwqIhY. ijs sI[ bI[ afeI[ ny cfr sfl PUkxipwCoN adflq ivc isrP eynI ku gwl khIsI ik ies kys ivc koeI sbUq nhINimldf, Aus ny rIvIAU ptIsLn ies vfsqynhIN pfeI ik awgoN jFc krnI hY, sgoNies leI pfeI hY ik dosLIaF nMU eynf smFidvfAuxf hY ik mOjUdf srkfr dI imafdpuwg jfvy. akflI afgU aglI vfr afpxIsrkfr bxn dI afs lfeI bYTy hn.

jdoN ies vkq dI srkfr nMU do sflFbfad Aultf dyx dIaF gwlF cwl rhIaFhn, AudoN vI muwK mMqrI bfry ieho ikhfjFdf hY ik Auh srkfrI kMmF dI bhuqIpRvfh nhIN krdy qy ieh gwl bfhr dy loknhIN kih rhy, AunHF dI afpxI pfrtI dyivDfiekF qoN bfad mMqrI vI kihMdy suxy

jfx lwg pey hn.kYptn amirMdr isMG afpxI pfrtI

ivcly ivroDI afgUaF nMU bysLwk itwc jfxdyhox, idwlI ivc bYTI hfeI kmfn nMU rojLimlx vfly pRqfp isMG bfjvf jF kdy-kdfeIN imlx vfly nvjoq isMG iswDU dIpRvfh vI nf krn, pr afm lokF ivc jopRBfv hY, Auh awKoN proKy nhIN kIqf jfskdf. lokF ivc ieh afm pRBfv bxIjFdf hY ik pMjfb srkfr kuJ kr nhINrhI jF kuJ krnf nhIN cfhuMdI, ijs krky ies srkfr dy vkIl vI adflqI kMmFnMU dPqrI gyVy dI srkfrI rvfieq smJky vkq sfrdy ho skdy hn. ieh gwl jdoNhr pfsy crcf ivc hY qF kdy muwK mMqrIqwk vI phuMc jFdI hovygI!

kFgrsI ivDfiekF dy mUMhoN suixafjFdf hY ik bhuqy chyqy cfr mMqrIaF nykuJ hrI aMgUrI cr leI hovygI, pr asINjdoN lokF ivc jfxf hY qF lokF nUM dwsxleI sfzy kol kuJ nhIN hoxf. ies kfrnpfrtI ivc eydF dI hflq aqy smfj dyhr vrg ivc bycYnI hY qF Aus dy huMidaFkYptn amirMdr isMG leI vI siQqI ‘kuJkrnf pAU jF iPr jrnf pAU’ vflI bxcukI hY. pqf qF AunHF nMU vI hoAUgf hI!

hux kYptn nUM ‘kuJ krnf pAU jF jrnf pAU’ isafsq df ipV

jiqMdr pnMUPon: 91-98140-68455

ismrnjIq kOr bfT ny BfrqImuwkybfjLI ivc pMjfbIaF dI lfj rwK ivKfeIhY. Aus ny ivsLv dI nMbr do bOksrmMgolIaf dI nmonKor nUM 5-0 aMkF nflhrf ky tokIE dIaF ElMipk KyzF leIitkt pwkI kr leI hY. hux AuhqoN ElMipkmYzl ijwqx dIaF afsF bwJ geIaF hn.pMjfb dy muwK mMqrI kYptn amirMdr isMG,pMjfb ElMipk aYsosIeysLn dy pRDfnsuKdyv isMG ZINzsf, Bfrq dy Kyz mMqrI,pMjfb dy Kyz mMqrI, sLRomxI kmytI dypRDfn aqy dysL ivdysL ivc vsdy pMjfbIaF

vwloN ismrnjIq kOr nUM vDfeIaF idwqIaFjf rhIaF hn.

24 sflf ismr sfzy ipMz ckr dIDI hY. 2008 qoN Aus ny ckr dI sLyrypMjfb sports akYzmI ‘coN muwkybfjLIiswKxI sLurU kIqI sI. 1965-66 qoN mYNKyzF qy iKzfrIaF bfry ilKdf af irhF.myrI icrokxI rIJ sI ik sfzy ipMz dfkoeI lVkf/lVkI ElMpIan bxy. nYsLnlcYNpIan qF myry dovyN puwqr vI bxy, prElMpIan bxn dI pihl ‘ismr ckr’ny hI kIqI hY.

ismr ckr, myry imwqr mihMdrisMG ckr dI poqrI hY. Auh hoxhfr lyKksI aqy ipMz dI sihkfrI sBf df sYktrI.Auhdy pihly nfvl df nF ‘kwlr dy kMvl’sI qy dUjy df ‘sUrf so pihcfnIey.’ kfmryzmihMdr isMG nUM KfVkU dOr ivc do axjfxybMidaF ny ey[ ky[ 47 df bRwst mfr ky‘sLhId’ kr idwqf sI. Aus idn mYN Auhdy

nfl nhIN sF. hux qF ismr df ipqfkmljIq vI jwg ‘qy nhIN irhf. hF, AuhdImF jwg ‘qy jLrUr hY jo aOKy sOKy do DIaFqy do puwqrF nUM pfldI rhI hY. ismr nyafpxI ijwq df ishrf afpxI mF dy isrbMinHaf hY. pirvfr dI ajokI afriQkhflq aijhI hY ik mihMdr isMG dI awTikwilaF dI jfiedfd cfr puwqrFivc vMzIdI hux qk sfrI dIsfrI hI Kur cuwkI hY. jLmIn dfiek Erf vI nhIN hY ismr dImF kol. mF kol kyvl mjdUrIqy mjbUrI hY.

pMjfb dI mYrIkfmkhI jFdI ismr ckrny 2018 ivci v s L vb f k i s M gcYNpIanisLpid wlI ‘c o NkfsI dfmYzl ijwq kyafpxf ipMz ckrcrcf ivc lY aFdfsI. pihlF iesy ipMz dI mndIp kOr sMDUjUnIar vrlz cYNpIan bxI sI. iehpihlI vfr hoieaf sI ik pMjfb dI koeIlVkI aOrqF dI ivsLv bfkis MgcYNpIanisLp dy ijwq mMc ‘qy cVHn ivckfmXfb hoeI sI. ckr dy srkfrI skUlivc pVHI, ckr dI sports akYzmI dIqrfsLI muwkybfjL kuVI df ivsLv dIaFAuprlIaF cfr muwkybfjLF ivc af KVHnfvwzI pRfpqI sI. sLyry pMjfb akYzmI dIijMd jfn, ckr df msIhf, svrgI ajmyr

isMG iswDU awj ijLMdf huMdf qF pqf nhINikMnf KusL huMdf.

sfzy dysL dIaF kuVIaF nUM shI syDimly qF Auh kuJ df kuJ kr ky ivKfskdIaF hn. ckr dIaF DIaF dI imsflsfzy sfhmxy hY. muwkybfjLI vrgI juJfrUKyz ivc ckr dIaF kuVIaF ny pMjfb, Bfrqqy aMqrrfsLtrI pwDr ‘qy drjnF mYzlijwqy hn. 2006 ivc sLurU hoeI ckrakYzmI dI pihlI muwkybfjL sLivMdrkOr 2012 dI jUnIar nYsLnl bfkisMgcYNpIan bxI sI, jo Bfrq dI srboqm

muwkybfjL aYlfnI geI. Auh BfrqItIm dI mYNbr bx ky sRI lMkf

df bfkisMg kwp vIKyzI. mndIp kOr

sMDU eysLIaf dIbYWst jUnIarbOksr aYlfnIgeI. s L yr y

p Mjfb akYzmIckr dI ieh lVkI 24

meI 2015 nUM qYpeI ivcmuwkybfjLI dI jUnIar ivsLv

cYNpIan bxI.ijvyN mfzl ipMz ckr nUM ipMzF df

cfnx munfrf ikhf jFdY AuvyN ckr dI sLyrypMjfb sports akYzmI vI Kyz Kyqr dfcfnx munfrf hY. akfl qKq vwloN ipMzivc ieko gurdvfrf rwKx dI muihMm vIipMz ckr qoN hI sLurU kIqI geI sI.

pursLF ivc suKdIp ckrIaf Bfrqdf nYsLnl cYNpIan bixaf, jo dysL dfsrboqm muwkybfjL aYlfinaf igaf. AuhBfrq vwloN kOmFqrI mukfbly lVdf irhf

aqy hux poRPYsLnl muwkybfjLI kr irhY.Aus dI BYx primMdr kOr kOmI pwDr ‘qymYzl ijwq rhI hY. amndIp kOr pMjfbdI cYNpIan bxI qy sInIar nYsLnl ivcijwq mMc ‘qy cVHI. amndIp dI CotI BYxismr ckr nYsLnl cYNpIan bxn AuprMq2013 ivc ‘dUjI golzn glwvjLieMtrnYsLnl XUQ bfkisMg cYNpIanisLp’Kyzx srbIaf geI. iPr sqMbr 2013ivc Aus ny bulgfrIaf ivKy hoeI ‘XUQivsLv bfkisMg cYNpIanisLp’ ivcoN brFjmYzl ijwiqaf. Bfrq dy do mYzlF ivcoNiek mYzl ckr akYzmI Xfin pMjfb dfsI. 2016 dI sInIar nYsLnl cYNpIanisLphrduafr ‘coN Aus ny kfsI df qgmfijwiqaf. 2017 ivc afierlYNz qoN cFdIdf qgmf, kjLfiKsqfn qoN brFj mYzl,jUn 2017 ivc Epn nYsLnl nvIN idwlIivcoN qFby df qgmf qy sqMbr nYsLnlrohqk qoN cFdI df aqy sqMbr 18 ivcqurkI qoN golz mYzl ijwiqaf. nvMbr2018 dI vrlz bfkisMg cYNpIanisLpidwlI leI pMjfb qoN Auh ieko-iek bOksrBfrqI tIm ivc cuxI geI sI. Auh iqMnmukfbly ijwq ky sYmI PfeInl ivc puwjIsI, ijs nfl brFj mYzl ijwqI.

ismr ckr df ipqf kmljIq isMGafrQk qMgI kfrn Tyky df kfirMdf bixafsI, jo aDKV Aumr ivc hI julfeI 2018‘c clfxf kr igaf. ivDvf rfjpfl kOrdo kmiraF dy inwky ijhy Gr ivc GrylUqy bfhrly inwky moty kMm krdI afpxycfrF bwicaF nUM pfldI rhI. Aus dIaFdovyN lVkIaF amndIp qy ismrnjIq aqydovyN lVky arsLdIp qy kMvlpRIq bOkisMg

kr rhy hn. pMjfb srkfr nUM cfhIdf hYik ivsLv cYNpIanisLp ‘co mYzl ijwqxvflI aqy ElMipk KyzF ‘coN mYzl ijwqxdI pUrI sMBfvnf rwKx vflI grIb Gr dIies hoxhfr bI[ ey[ pfs huisLafr lVkInUM cwj dI nOkrI dy ky pMjfb ivc rwKlvy, nhIN qF hirafxy vfly jF iksy horsUby/mihkmy vfly lY jfxgy. ckrIeycfhuMdy hn ik Auh afpxy ipMz dI akYzmIaqy pMjfb leI hor mYzl ijwqy. ies mOkypMjfb srkfr nUM ismr ckr df Aucycfmfx snmfn krnf cfhIdf hY. sLyry pMjfbakYzmI ckr vI mfx snmfn dI hwkdfrhY.

sLyry pMjfb akYzmI srkfrI sihXogqoN ivrvI hI iKzfrIaF dI pnIrI iqafrkrdI af rhI hY. mwukybfjLI qy Puwtbflies dIaF muwK KyzF hn. ies nUM kYnyzfrihMdf iswDU pirvfr, akYzmI df muwZbMnHx vflf ipRM[ blvMq isMG sMDU, sfbkfpuils aPsr dyivMdr isMG, cIP kocgurbKsL isMG sMDU, akYzmI dI kfrjkfrIkmytI dI ingrfnI hyT clf rhy hn.akYzmI dy bfnI ajmyr isMG iswDU dfdsMbr 2014 ivc idhFq ho igaf sI ijsdf akYzmI qy ipMz ckr nUM vwzf sdmflwgf sI. KyzF df smfn, tRYk sUt, rinMgsL Ua, r YPrYs Lm Y Nt, k o ic Mg q y K yzmukfbilaF leI iljfx/ilafAux dy pRbMDakYzmI vwloN kIqy jFdy hn.

ismr ckr ijwdx jOrzn qoN idwlI,cMzIgVH qy luiDafxy huMdI hoeI afpxy ipMzckr prqI qF Auhdf ipMz dy gurduafryaqy akYzmI ivc BrvF mfx snmfnhovygf.

‘ismr ckr’ bxI pihlI pMjfbx ElMpIan muwkybfjL

ipRM[ srvx isMG ckr

Page 10: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (10)

sincrvfr, 14 mfrc 2020

pMjfb tfeImjL

-cfcf byilhfjLTfh-sotf

srkfrI nfkfmIaF qy lokF dy duKVy

ÈfmlftF bfry pMjfb srkfrdf PYslf ipMz ivroDI

zf[ suKdyv isMGPon: +91-95016-15730

pMjfb srkfr vloN ipMzF dI pMcfieqIËmIn hfsl krky pRfeIvyt snaqkfrFaqy kfrporyt sYktr ƒ vycx dy PYslyny hr sMvydnÈIl pMjfbI ƒ socx leImjbUr kIqf hY. pRÈn AuTdf hY: kIpMcfieqI ËmIn Aupr hI snaq lgfeIjf skdI hY jF snaqIkrn ƒ AuqÈfihqkIqf jf skdf hY? kI XkIn hY iksnaqkfr ssqIaF jF sbiszIaF AuqyleIaF ËmInF hfsl krky AuQy snaqhI lfAuxgy? kI pMcfieqI ËmInF hfslkrky ipMz vfilaF dy Auh hwk nhIN mfrrhy ijnHF leI leI ieh BoieM rfKvIN rwKIgeI sI? kI srkfrF ny ies bfbq ipMzFvfilaF dy ivcfrF ley hn? sfrf muwdfivcfr dI mMg krdf hY.

mMinaf igaf hY ik kbfielI Xuwg qoNbfad jdoN sMgTq qy sQfeI ipMzF dI

sQfpnf ÈurU hoeI,isafixaF n yËmInF df ku wJihwsf ipMzF dy sFJykMmF leI rfKvFrwK ilaf qF jopyNzU jIvn-pRvfh

cldf rwiKaf jf sky, ijvyN iksy vIsmfijk smUh ƒ clfAux ihwq iksylIzr jF numfieMidaF dI ËrUrq huMdI hY.iesy soc ivcoN hI Bfrq ivc pMcfieqIZFcy df Audgm mMinaf igaf hY, BfvyNrvfieqI smfjF ivc pMcfieqF dI bxqrajoky ZFcy qoN ht ky sI. pRfcIn kfl dysfihq muqfibk, ipMz iewk QF ‘qy vsdypirvfrF df juwt hY. irg vyd aqymhFBfrq dy hvfly dwsdy hn ik pyNzUlIzr ƒ ‘gRfimnI’ ikhf jFdf sI.ieiqhfsk qy imiQhfsk ilKqF ieÈfrfkrdIaF hn ik vwK-vwK rfj kflF ivciBMn-iBMn rUpF ivc pMcfieq dI hoNd bxIrhI aqy sFJI, Èfmlft jF pMcfieqIËmIn afid nfvF nfl jfxI jFdI rhI.ËmIn ipMz pMcfieq df ihwsf bxI rhI.

cMdr gupq mOiraf, bfdÈfh akbraqy mhfrfjf rxjIq isMG dy rfj kflFdOrfn pMcfieqI rfj df ieiqhfs suinhrIawKrF df disaf jFdf hY jdik hor ivdyÈIrfijaF, smyq aMgryjF dy rfj kflF dOrfnjgIrdfrI qy srkfrI tfAUtF df bolbflfirhf. ipMz pwDrI pMcfieqI ZFcy ƒ bhuqZfh lwgI. mhfqmf gFDI ny qF ipMzF ƒKudmuKqfr (ivlyË irpbilk) ibafinaf,ikAuNik ipMz iewk sfbq pRÈfsnk iekfeIsI. aTfrvIN sdI dy ieMglYNz ivc snaqIivkfs ny sMsfr dI hr smfijk bxqrAupr asr pfieaf hY aqy hux iehkbIilaF qy ipMzF qk puwjx lwgf hY.

Èfmlft ËmIn vwK-vwK ipMzF ivcvwKry afkfr dI hY. iksy ipMz kol 5 eykV,iksy kol 100 jF ies qoN vwD Gwt aqykeIaF kol hY hI nhIN. pMcfieqI aYkt1994 dI Dfrf 8[5 muqfibk ÈfmlftsMpqIaF, jnqk ZFcy, KUh, jl mfrg,pul afid dI dyK-ryK pMcfieq krygI.

pMcfieq afpxI afmdn Kfiqr, kudrqIafPqF vyly iensfnF qy pÈU Dn bcfaleI sFJI crFd, pyNzU Kyz myilaF jF loVmuqfibk sFJy kMmF leI Èfmlft ËmIndI vrqoN kr skdI hY. keI ipMzF ny aijhIËmIn Aupr lop ho rhy drwKq/bUty lfeyhn qF jo afAux vflIaF nslF ƒ kudrqIvfqfvrn idKfieaf jf sky, ikAuNik injImflkI vflIaF ËmInF qF lokF ny ruMz-mruMz kr idwqIaF hn. kuJ ipMzF nysihkfrI KyqI df qjrbf vI kIqf hY aqykeIaF ny afmdn vfsqy ËmIn Tyky AuqyidwqI hY. pMcfieq afpxI afmdn qoN ivkfsdy kMm nypry cfVH skdI hY.

snaqF dI sQfpnf ajoky Xuwg ivcbyhwd ËrUrq hY, ikAuNik ies nfl ruËgfrdy mOky pYdf huMdy hn. ies nfl iswDy aqyaiswDy rUp ivc vI ruËgfr ivc vfDf huMdfhY. byruËgfrI qy grIbI Auqy kfbU pfieafjf skdf hY. srkfrF dy mflIey ivc vfDfhuMdf hY. KyqI sYktr ivc ruËgfr vDfAuxdI sImf vzyrI nhIN jo vD rhI afbfdI ƒsmo sky. KyqI ivc mÈInIkrn ny ivhlhor vDfeI hY. mMinaf igaf hY ik hirafxyvrgy rfj ivc vDyry mflIaf idwlI nfllgdy ielfky gurUgrfm afid qoN afAuNdfhY pr ieh ies krky ik Auh ielfkymYtropfiltn Èihr nfl lgdy hn. iksyvI sQfn qy snaqF dI sQfpnf leI mUlZFcf shUlqF ijvyN pwkIaF sVkF, ibjlI,pfxI, stor, bYNk, sMcfr sfDn, mYzIklshUlqF, sQfeI qy clMq pUMjI, ZukvINlybr, afvfjfeI dy sfDn afid dI ËrUrqpYNdI hY.

ies qoN Cuwt kwcy mfl dI splfeI dIlgfqfrqf vI bxfAuxI pYNdI hY. jy kwcfmfl bhuq dUr qoN afAuNdf hovy qF durfzyipMzF ivc phuMcfAuxf phfV Kodx vflI gwlhuMdI hY. ies krky snaqF dI sQfpnfCoty-Coty QfvF dI bjfey vwzI aqy phuMcvflI jgHf ‘qy hoxI hI PfiedymMd huMdI hY.ies qoN ielfvf vDyry kr ky snaqF dIsQfpnf axAupjfAU qy aivkisq QfvFAupr lgfAux ƒ qrjIh idwqI jFdI hY.ibhfr, CwqIsgVH, JfrKMz, mwD pRdyÈ afidaijhI hI pfilsI bxf ky Gwt rytF qy ËmInFsnaqkfrF ƒ muheIaf krvf rhy hn.ies dy nfl-nfl Auh kfrKfnydfrF ƒ ZukvFBrosf qy surwiKaf vI idvf rhy hn. Èfiediesy krky hI pMjfb ivcoN bhuq sfrIaFsnaqI iekfeIaF AuDr jf rhIaF hn.

snaqF leI ËmIn pRfpqI df ZMgjF rfh isrP pMcfieqI BoieM hI nhIN blikhor ielfky vI hn jo inÈcq pRikirafrfhIN hfsl kIqy jf skdy hn. kyNdrsrkfr vloN bxfieaf ‘rfeIt tU PyarkMpÈyÈn aYNz trFspyrYNsI ien lYNzakueIjIÈn aYNz rIsYtlmYNt aYkt’(2013) ies mMqv dI pUrqI krdf hY.ies aYkt aDIn iksy loVINdy ielfky dysmfijk afriQk pRBfv df ivÈlyÈxkrvf ky 80 PIsdI ËmIn mflkF dIrËfmMdI nfl ËmIn pRfpq kIqI jf skdIhY. cMzIgVH aqy nyVy-qyVy dy ielfikaFivc iesy qrHF hI ËmIn hfsl kIqI jfrhI hY aqy mflkF ƒ cMgf ryt imlxkrky koeI ieqrfË vI nhIN nËr afieaf.

keI iksfnF ny qF dUr durfzy jf ky vwDËmInF bxf leIaF hn aqy afpxf jIvnpwDr vI suDfiraf hY. keI QfvF qypRfeIvyt kMpnIaF ny iksfnF qoN iswDy hIËmInF KrId ky klonIaF kwtIaF jFsnaqF lfeIaF hn.

srkfrI pRojYktF aqy sbiszIafafDfrq snaqkfrF ƒ kfrKfny lgfAuxihwq idwqIaF ËmInF bfbq imly pihly iswtykoeI bhuqy AuqÈfhjnk nËr nhIN afey.1985 dy krIb luiDafxy nyVy hMbVFsnaqI kMplYks leI ËmIn idvfeI geIaqy pMjfb ivq ingm dI shfieqf nflvwK-vwK qrHF dy snaqF lgvfeIaF.mMqv sI, ielfky dy ivkfs dy nfl-nflsQfnk lokF ƒ ruËgfr imlygf aqy KyqIafDfrq snaqF lokl mfl KrIdxgIaFqF jo iksfnF ƒ lfB iml sky. srvyKxvyly pqf lwigaf ik 38 XUintF ivcoN awDyku kfrKfny kfmXfb hoey. afsy-pfsy 100dy krIb dukfnF hoNd ivc afeIaF. ËmInFdy ryt vD gey. kuJ lokF ƒ iswDy aqy kuJƒ aiswDy qOr qy ruËgfr imilaf pr 70PIsdI qoN vDyry ruËgfr dy mOky sQfnklokF dI QF bfhrly lokF ƒ pRfpq hoey,ikAuNik mflkF muqfibk lokl lybr KrfbkrdI sI. keI kfrKfnydfr pYsf mfr kyhI Bwj gey aqy plftF ƒ qfly lwgy hn.keI poplr dI lkVI afDfrq XUintF iesleI bMd ho geIaF, ikAuNik kwcf mfllokl pwDr ‘qy nhIN sI imldf jdoN ikpihlF mMinaf igaf sI ik byt dy ielfkyivcoN pYdf hox vflf poplr kfrKfinaFivc vriqaf jfvygf. ibjlI dI Gwt voltyËqy lMmy kwt, syl tYks ivc Gwt Cot aqylybr df nf itkxf vI pyNzU ielfikaF krkyvwzIaF idwkqF hn. bhuqI lybr ies krkynhIN itkdI, ikAuNik AunHF ƒ Èihr ivciËafdf qnKfh imldI hY aqy bwicaF leIcMgy skUl hn.

dUjI vwzI Audfhrn pRfeIvyt QrmlplftF dI hY ijnHF ny pMcfieqI aqy horËmInF dI mflkI qF hfsl kIqI hI hY prnfl hI zfZIaF ÈrqF qihq kIqyiekrfrnfmy qy idqIaF shUlqF dfKimafËf mihMgy ibjlI iblF rfhIN hrpMjfbI Br irhf hY jo hux nf cfh ky vIgl ipaf Zol vjfAuxf pY irhf hY. iesqoN Cuwt srkfrF vloN Pokl puafieMtF dIsQfpnf dI sPlqf dyKIey qF Cut-put ƒCwz ky bfkI QfvF qy BMg BuwjdI hY jdikËrKyË ËmIn jFdI lwgI hY.

iksy vI smfj ƒ ivkfs df lfB qFhI iml skdf hY, jy Auh lok-pwKInIqIaF qihq kIqf jfvy. nfl hI ivkfsƒ smyN dI ËrUrq, AuplBD sfDnF aqysmfj q y p Yx vfl y smfijk q ysiBafcfrk pRBfvF dy mwdynËr hIsfrQk ikhf jf skdf hY. Èfmlft ËmInsFJy pyNzU jIvn dI DVkx smfn hY ijsƒ brkrfr rwKx dI ËrUrq hY. ies leIpMjfb srkfr ƒ afpxy PYsly qy muVgOr krnf cfhIdf hY aqy ipMzF dIaFpMcfieqI ËmInF dI QF snaqF vfsqy horXog QfvF snaqF ƒ muheIaf krvfeIaFjfx qF jo snaqI ivkfs dy nfl-nflpyNzU jIvn dI qor vI rvF bxI rhy.

pMjfb srkfr vloN ipMzF dIaF pMcfieqI ËmInF pRfeIvyt snaqkfrF ƒ vycx dy PYsly dIBfvyN hr pfisEN iqwKI nukqfcInI hoeI hY, pr pMjfb dI kYptn amirMdr isMG srkfr iesPYsly qoN rwqI Br vI ipCFh nhIN ht rhI. pMjfb KyqIbfVI XUnIvristI, luiDafxf dy AuGysmfj ÈfsqrI ny ies smuwcy msly afpxy ivcfr ies lyK ivc sFJy kIqy hn. -sMpfdk

pMjfb qy mhfrfÈtr ko-afpryitv bYNk df idvflf inklx ipCoN huxlok XYWs bYNk ivc mwcI aPrf-qPrI qoN pRyÈfn ho AuTy hn. mslf AunHF motykriËaF df hI hY, jo vwzIaF kMpnIaF lY qF lYNdIaF hn pr vfps nhINkrdIaF. XYWs bYNk dy mfmly ivc qF srkfr dI nf-aihlIaq sfPJlkdI hY. ies bYNk ny bhuqI CfxbIx qoN ibnf hI vwzIaF kMpnIaF nMU motykrËy dy idwqy. AuNj, ies bYNk dIaF gozxIaF lwgx bfry sUh do sflpihlF hI lwg geI sI aqy modI srkfr ny afpxy numfieMdy rfhIN ies AuqyingrfnI rwKxI vI ÈurU kr idwqI sI, pr ies dy bfvjUd mfmlf ivgVdf-ivgVdf pUrI qrHF ivgV igaf aqy hux KfqfDfrkF nMU bYNk dy bfhr kqfrFivc lwgxf pY irhf hY. ieh asl ivc byBrosgI df aflm hY. lokF dIbYNk bfry jo byBrosgI bx geI hY, Aus ny bldI ‘qy qyl pfAux df kMmkIqf hY; hflFik Aus qoN ikqy vwD byBrosgI kyNdr ivclI modI srkfr qoNhY, ijs kol mMdI dy ies dOr ivcoN inklx leI rxnIqI hI koeI nhIN hY,sgoN lok kdm-dr-kdm musIbqF `c iGr rhy hn. Bfrq dy lok iesvkq ijs mMdI aqy byruËgfrI ijhIaF smwisafvF nfl jUJ rhy hn, Ausdy hwl leI aMgryË arQ-ÈfsqrI jy[ aYm[ kynË ny iek nusKf suJfieafsI. ieh nusKf keI mulkF dIaF srkfrF ny vwK-vwK simaF dOrfnaËmfieaf aqy Auh mOky dy afrQk sMkt ivcoN inklx ivc kfmXfb vIrhIaF. nusKf ieh sI ik mMdI dI aijhI sUrq afAux ‘qy srkfrI invyÈcoKf vDf idwqf jfvy, pr Bfrq srkfr ies pfsy iek vI kdm nhIN AuTfrhI. iswty vjoN mulk dI afrQkqf hor rsfql vl jf rhI hY aqy vwK-vwKsMsQfvF iek-iek krky zol rhIaF hn.

drasl, swqfDfrI BfrqI jnqf pfrtI df sfrf iDafn isafsqvl lwgf hoieaf hY. hfl hI ivc idwlI ivDfn sBf dIaF coxF ivc burIqrHF hfr ipCoN ies pfrtI dy afgUaF ny idwlI ivc vwzI pwDr Auqy dMgyBVkfAux dI koiÈÈ kIqI. ies qoN pihlF coxF dOrfn DruvIkrn rfhINmfhOl afpxy hwk ivc krn leI awzI-cotI df Ëor lfieaf igaf. iehInhIN, hux mwD pRdyÈ ivc kFgrs dI srkfr nMU Jtkf dyx leI kFgrsnfl nfrfË cl rhy pfrtI afgU ijEiqridiqaf isMDIaf nMU Pfh ilaf hY.ies qoN pihlF iehI kMm krnftk ivc kIqf igaf, ijQy pihlF kFgrsaqy jnqf dl (sYkUlr) nfl rl ky srkfr bxfeI sI. ipCly kuJ sflFqoN BfrqI jnqf pfrtI (Bfjpf) dI isafsq aYn sfP ids rhI hY ikies df dfeIaf vwD qoN vwD rfjF ivc afpxIaF srkfrF kfiem krnfhY. ies pRsMg ivc ieh kfmXfb vI ho geI sI, pr ipCly kuJ smyN dOrfnkuJ ivDfn sBf coxF ivc ies nMU aMdr hfr df sfhmxf krnf ipaf sI,ijnHF ivcoN mwD pRdyÈ vI iek sI. hirafxf ivc vI ies nMU pUrn bhumqhfsl nhIN hoieaf, pr AuQy vI ies ny Jwt jnnfiek jnqf pfrtI dyafgU duiÈaMq cOtflf nfl qflmyl ibTf ilaf. jfhr hY ik Bfjpf nysrkfrF kfiem krn leI isafsq df hr hrbf vriqaf, pr mulk dyarQcfry nMU lIh Auqy pfAux leI koeI Kfs kdm nhIN AuTfey hn. invyÈvloN hwQ iKwcx kfrn mulk ivc byruËgfrI bhuq qyËI nfl vD rhI hY.iek gwl hor vI not krn vflI hY, srkfr ny ies df koeI hwl kwZx dIQF aMkVy lukoxy hI arMB kr idwqy hn.

ies qoN pihlF srkfr dy do vwzy PYsilaF nfl mulk dI afrQkqfpihlF hI burI qrHF ihl cukI hY. pihlF srkfr ny ibnf socy-smJy notbMdIlfgU kIqI. ies nfl hr Kyqr dy afm kfrobfrI qbfh ho gey. ievyN hIijs qrHF kfhlI ivc jI[ aYs[ tI[ lfgU kIqf igaf, Aus ny tYks iekwTykrn dI pRikRaf ‘qy zfZf asr pfieaf. ienHF dohF mfmilaF bfrysrkfr pihlF kihMdI rhI ik bws, kuJ idnF dI hI gwl hY, pr awj qkgwzI lIhy nhIN pY skI. ijQoN qk isafsq dI gwl hY, ipCly keI mhIinaFqoN idwlI dy ÈfhIn bfg smyq mulk ivc keI QFeIN kOmI nfgirkqf kfnMUniKlfP morcf cwl irhf hY, pr srkfr ny ajy qk ivKfvfkfrIaF nfliksy qrHF vI rfbqf bxfAux leI koeI Ëihmq nhIN AuTfeI hY, sgoN AunHFnUM dyÈDRohI grdfn ky bdnfm kIqf jf irhf hY. ies kfnMUn rfhIN srkfrny muslmfn GwtigxqI nMU inÈfny ‘qy rwiKaf hY. srkfr afpxy jvfb ivcvfr-vfr ieh kih rhI hY ik ieh kfnMUn nfgirkqf dyx df hY, iksy qoNnfgirkqf Kohx df nhIN, pr hkIkq ieh hY ik ijs qrHF srkfr kOmIvsoN rijstr (aYn[ pI[ afr[) lY afeI hY aqy kOmI nfgirkqf rijstr(aYn[ sI[ afr[) hr hfl afAux df KdÈf hY, ieh kfnMUn Gwt-igxqIaFaqy afm bMdy dy iKlfP hI jfvygf. ijs qrHF mulk dI afrQkqf zfvFzolhoeI peI hY aqy smfjk qfxf-bfxf burI qrHF AulJ irhf hY, srkfr nMUcfhIdf hY ik DruvIkrn dI mfrU nIqI Cwz ky iDafn mulk dIaF smwisafvFvl lfvy qF ik lokF nMU suK df sfh af sky.

vMgfrF dy gIqhr iek moV Auqy bYTIaF musIbqF, qy sfzI srkfr lwly-pwpy krI jFdI af.coxF ajy aYnIaF vI nyVy nhIEN ZuwkIaF, inq hI aYlfnF vflI hvf BrI jFdI af.ivroDIaF dI dfl vI nf gl rhI ipV ivc, sYsLnF dy ivc vI mrI mrI jFdI af.kvI puwCy rfijaf vy ikQy af vy rfj qyrf, kyhy vyly afey ibnf kMm srI jFdI af.loko AuTo kyrF llkfr bx ky, vFg bwdlF asmfn ivc Cf jfE qF.kuJ nhIN hoxf jy GroN inkly bfhr nf, koeI gIq vMgfrF dy gf jfE qF.

Page 11: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (11)

hux aYn spÈt ho igaf hY ik idwlI ivc hfl hI ivc hoey dMgy kyNdrI srkfr dI socI-smJI rxnIqI df ihwsf sn. ienHF dMigaF qoN bfad srkfrdf jo ivhfr sfhmxy af irhf hY, Aus qoN sfP ho jfxf cfhIdf hY ik nyVly BivK ivc Bfrq aMdr hor QFeIN vI aijhIaF vfrdfqF ho skdIaFhn. DruvIkrn dI isafsq rfhIN ihMdUqvvfdIaF dy hwk ivc pihlF hI mfhOl bxfieaf jf cukf hY. ies leI sMjIdf lokF aqy jQybMdIaF nMU iesiPrkUvfd df sfhmxf krn leI afpxIaF BivK dIaF rxnIqIaF bfry gMBIrqf nfl soc-ivcfr krnI cfhIdI hY. -sMpfdk

idwlI ihMsf leI iËMmyvfr kOx?

aBY kumfr dUby

idwlI dMigaF bfry iek qoN bfadiek, keI vIzIE sfhmxy ilaFdy jf rhyhn. ieh kMm srkfr aqy puils dIqrPdfrI krn vfly pwK vloN vI ho irhfhY aqy Kud ƒ Drm-inrpwK aqy Gwt-igxqIaF leI iPkrmMd hox vfilaF vloNvI ho irhf hY. dovF pfisaF ƒ dyK ky ieknqIjy ‘qy phuMcxf sOKf hY ik jfPrfbfdivc nvyN nfgirkqf kfƒn df ivroD krnvflIaF aOrqF vloN sVk ‘qy Drnf idwqyjfx qoN bfad kfƒn dy smrQkF nyhmlfvr rvweIaf apxfieaf. AunHF dfjvfb Gwt-igxqIaF vloN vI idwqf igaf.ies qrHF ihMsf bnfm ihMsf df kutl cwkrÈurU ho igaf sI.

dMgfkfrI ansrF ƒ inrpwK idRÈtI

nfl dyKx nfl do gwlF smJ ‘c afAuNdIaFhn. pihlI ÈfhIn bfg dI qrË ‘qyjfPrfbfd ivc vI sVk jfm Drnf ÈurUkrn dI pRyrnf aMdolnkfrI aOrqF ƒÈfied kuJ isafsI ansrF qoN hI imlIhovygI. ies ivc BIm afrmI vloN kIqIgeI Bfrq bMd dI apIl dI vI kuJ nfkuJ BUimkf hovygI. kuJ idnF qoN ies qrHFdy crcy suxn ƒ imlx lwgy sn ik Gwt-igxqIaF aqy dilqF drimafnnfgirkqf dy svfl ‘qy iek qrHF dfgwTjoV ho skdf hY. dUjy pfsy, Aus Drnyƒ nfkfm krn dy nfl-nfl kfƒn dyivroDIaF ƒ sbk isKfAux dI Xojnf ipwCyvI rfjnIqk pRyrnf hovygI. ijQoN qwkpuils dI BUimkf df svfl hY, ibnF iksyÈwk dy ikhf jf skdf hY ik Auh pUrI qrHFnfl nfgirkqf kfƒn dy ihMsk smrQkFdy nfl sI.

kronf vfiers dIaF KbrF dypRmuwKqf pRfpq kr lYx nfl hoieaf iehhY ik mIzIaf ivc ÈfhIn bfg dIaF aOrqFdy Drny aqy Auqr pUrbI idwlI dIaF iPrkU

ihMsf dIaF KbrF hfÈIey ‘qy clIaF geIaFhn pr ies dy bfvjUd ies bihs ƒnËraMdfË nhIN kIqf jf skdf ik iesleI iËMmyvfr iks ƒ Tihrfieaf jfxfcfhIdf hY? Xfd rhy ik idwlI ƒ ihMdU-muslmfn iPrkU ihMsf dy pRsMg ivcsMvydnÈIl ÈihrF dI ÈRyxI ivc nhIN rwiKafjFdf. 1950 qoN 1995 qwk pUry pMqflIsflF ivc ies mhfngr ivc ies qrHF dIihMsf kfrn isrP 50 lok mfry jfx dfqwQ irkfrz ivc drj hY.

dUjy pfsy ieh vI iek swcfeI hY ik1990 dy dhfky qoN hI ies Èihr ivcmuslmfnF dIaF irhfieÈF ihMdUaF nfloNvwK-vwK ho rhIaF hn aqy hOlI-hOlIimlIaF-julIaF irhfieÈF dIaF bsqIaFnf dy brfbr hI rih geIaF hn. aijhIhflq ivc iPrkU vfrdfqF nf hox dIAuplbDI muwK rUp nfl Dfrimk vwKvfddI dyx huMdI hY, nf ik Dfrimk imÈrn dybfvjUd sFJ dI. iPrkU ihMsf dy mOjUdfpRsMg ivc Bfjpf dy smrQkF df spÈtdoÈ hY ik amrIkI rfÈtrpqI dy BfrqdOry ‘qy AunHF df iDafn iKwcx leI nvyNnfgirqf kfƒn dy ivroDIaF ny (Bfjpf dIBfÈf ivc ies df Bfv huMdf hY ivroDI iDraqy muslmfn BfeIcfrf) jfPrfbfd,mOjpur, cFdpur aqy KjUrI Kfs ijhIaFQfvF ‘qy XojnfbwD qrIky nfl iPrkU qxfadI hflq bxfeI. sbUq dy qOr ‘qy ipsqOllihrfAuNdy hoey ÈfhruK nF dy nOjvfn aqykiQq qOr ‘qy afm afdmI pfrtI dykONslr dy Gr hoeI afeI[bI[ dy iekkFstybl dI hwiqaf ƒ pyÈ krdy hn.

Bfjpf aqy sMG pirvfr dy smrQkFƒ Cwz ky bfkI sfry isafsI dl (ienHFivc akflI dl dy pRkfÈ isMG bfdl,rfÈtrI lok jn ÈkqI pfrtI dy rfm

ivlfs pfsvfn ijhy Bfjpf dy sihXogIvI Èfiml hn) dI mfnqf hY ik ieh sBBfjpf df kIqf krfieaf hY. ihMdUrfÈtrvfdI ies Kyqr dy muslmfnF ƒ

sbk isKfAuxf cfhuMdy sn, ikAuNik AunHFny coxF ivc Bfjpf ivroDI votF pfeIaFsn aqy ies leI Bfjpf dy AumIdvfrQoVHy-QoVHy Prk nfl coxF hfr gey sn.ies iDr kol vI afpxI gwl ƒ shI sfbqkrn dy leI sbUqF dI Gft nhIN hY.

drasl, ies iDr dy kol bhuqsbUq hn ijnHF ivc muwK hY coxF ivc burIqrHF hfr cuwky kipl imÈrf dI KuwlHI DmkI,ËihrI BfÈn, bjrMg dl dy lokF vloNielfky ivc do trwk Br ky pwQr ilafAuxfaqy idwlI puils df Auh rvweIaf ijs dyqihq Auh sfVPUk, pwQrbfËI aqy ihMsfkrn vfly nfgirkqf kfnMUn smrQkF dysVkF ‘qy AuqridaF hI hwQF ‘qy hwQ Drky pfsy ho jFdy sn.

ienHF dMigaF dy bfry smfj-ivigafnk mfihrF dy pRqIkrmF ivc vIkfPI qxfqxI hY. msln, ijaF dRyË ijhybuwDIjIvI kfrkun mMndy hn ik idwlI ivc

jo kuJ ho irhf hY, Auh Auc jfqIaF(bRfhmx, Tfkur, bfxIaf) vloN ihMdUqvdI numfieMdgI krn vflf hmlfvr akshY. Èfied Auh kihxf ieh cfhuMdy hn ikies df inÈfnf kmËor jfqIaF aqymuslmfnF dI nfgirkqf kfnMUn ivroDIaMdolnkfrI eykqf hY. dUjy pfsy ikRstoPjYPRlo ijhy ivdvfn idKf rhy hn ik ieh‘gYr bRfhmxvfdI ihMdUqv’ dIaF qfkqFdf kIqf krfieaf hY. jYPRlo ny suDf pfeIaqy swjx kumfr dI ilKI ikqfb‘aYvrIzya kimAUnilËm: rfiets ienkMtYmpryrI Auqr pRdyÈ’ dy iswitaF dfhvflf idMidaF dlIl idwqI hY ik ihMdUbhuigxqIvfd dI nvIN rxnIqI dy do pihlUhn. pihlf, hux Auh kdI-kdI krvfey

jfx vfly vwzy pwDr dy dMigaF ivc ivÈvfsnhIN rwKdf aqy iPrkU ihMsf dy qvy hyTFmwTI awg ‘qy sulgfeI rwKx dI rxnIqI‘qy cldf hY qF ik iPrkU qxfa hmyÈfbrkrfr rhy aqy nqIjy vjoN ihMdUqvvfdIcyqnf ‘qy lgfqfr puwT cVHfeI jFdI rhy.dUjf, ies iPrkU rxnIqI dy kyNdr ivcmuwK qOr ‘qy E[bI[sI[ aqy hor kmËorjfqIaF nfl sbMiDq aMÈ hn. ienHF lokFdI gAU rwiKaf, Gr vfpsI aqy lv jhfdijhIaF Puwt pfAux vflIaF muihMmF rfhINlgfqfr lfmbMdI huMdI rihMdI hY. ipClysfZy pMj sfl ivc sMG pirvfr dI ies‘Gwt qIbrqf vflI rxnIqI’ nfl ihMdUsmfj ivc ihMdUqvvfdI cyqnf bhuq mËbUqhoeI hY.

iek qIjf ivÈlyÈx svfmInfQnaeIar df hY. Auh mMndy hn ik idwlI dydMigaF ny modI srkfr dy ‘guwz gvrnYNs’dy dfavy dIaF DwjIaF Auzf idwqIaF hn.ies pRikiraf ny 1984 dI idwlI dI iswKivroDI ihMsf aqy 2002 dI gujrfq dImuslmfn ivroDI ihMsf dI Xfd idvf idwqIhY. idlcsp gwl ieh hY ik svfmInfQnÈfhIn bfg dy Drny dy lokqMqrI ikrdfrdI isPq kridaF vI Aus dy aMdolnkfrImfzl ƒ afVy hwQIN lYNdy hn. Auh mMndyhn ik jy ies Drny ƒ pihlF hI sVk qoNhtf ky nyVly sQfn ‘qy kr idwqf jFdf qFies dy do lfB huMdy. Bfjpf ies ƒ iPrkUqxfa dy sroq vFg nf vrq skdI aqyhËfrF lokF ƒ afvfjfeI dI smwisaf dfsfhmxf nf krnf pYNdf.

ienHF ivÈlyÈxF dI rOÈnI ivcnfgirk smfj ƒ iPrkUvfd df sfhmxfkrn leI afpxIaF BivK dIaFrxnIqIaF ‘qy TMZy idmfg nfl socxfcfhIdf hY. nyVly BivK ivc ÈfhIn bfgijhIaF GtnfvF vI hor vfprngIaF, nflhI dyÈ ivc pqf nhIN ikMnIaF QfvF ‘qyAuqr pUrbI idwlI dI khfxI vfr-vfrvfprygI.

idwlI puils dI ‘ihMsf’

AupyNdr pRsfd

1984 qoN bfad idwlI iek vfr iPrdMigaF dy dOr ‘coN guËr rhI hY; hflFikhux ieh ÈFqI vl prq rhI hY pr ihMsfPYlfAux vfly lok soÈl mIzIaf aqymuwKDfrf dy mIzIey dI shfieqf nfl ajyvI nPrq aqy iGRxf PYlfAux dI koiÈÈivc ruwJy hoey hn. hux qwk 50 qoN AuprmOqF ho cuwkIaF hn ijnHF ivc dovFBfeIcfiraF dy lok Èfiml hn. kuJ lfÈF

dI qF ajy ÈnfKq vI nhIN ho skI. dyÈ dIrfjDfnI idwlI dI ieh ihMsf pUrI dunIaFivc Bfrq dI bdnfmI df kfrn bx rhIhY aqy mhfqmf buwD, mhFvIr qy mhfqmfgFDI df ieh dyÈ ihMsk dyÈ df akspRfpq kr irhf hY.

ies ivc koeI Èwk nhIN ik jy idwlIpuils cfhuMdI qF dMgy nf huMdy. puils nyvyly isr kfrvfeI nhIN kIqI aqy nf isrPkeI mOikaF ‘qy mUk drÈk bxI rhI,sgoN kuJ mOikaF ‘qy qF Kud dMgy krdI vIidsI. idwlI puils dI BUimkf df ijQoN qwksvfl hY qF Auh 1984 dI BUimkf ivcidKfeI dy rhI sI. 1984 ivc ieMdrf gFDIdI hwiqaf qoN bfad puils ny iehI BUimkfinBfeI sI. Aus smyN iswKF ƒ mfiraf jfirhf sI aqy puils qmfÈbIn bxI hoeIsI. mr rhy lok puils ƒ mdd dI cIkrhy sn pr puils aijhf ivhfr kr rhI

sI, ijvyN Aus ƒ kuJ pqf hI nf hovy.aYqkIN vI iesy qrHF hoieaf hflFik

Prk ieh sI ik 1984 ivc dMgfkfrIaFdI igxqI bhuq iËafdf sI. iesy kfrnAuh 1984 ƒ duhrfa nhI N sky.dMgfkfrIaF vloN 1984 ƒ duhrfAux ivcasPl rihx df iek kfrn ieh vI sIik ihMdUaF ny muslmfnF ƒ ijvyN ikvyNbcfieaf aqy afpxy GrF ivc Èrn vIidwqI. muslmfn bhuigxqI ielfikaF ivcmuslmfnF ny vI afpxy ihMdU guaFZIaF ƒsurwiKaf muhweIaf krvfeI pr jo hoieaf,Auh vI Gwt nhIN sI. ies dMgy dI ÈurUafqivc iek puils jvfn dI mOq hoeI aqyzI[sI[pI[ pwDr df iek aiDkfrI mrdy-mrdy bicaf. hYrfnI dI gwl ieh hY ik jozI[sI[pI[ ajy hspqfl ivc hY, sB qoNvwzI glqI Ausy ny kIqI sI. dMigaF leIjy puils df koeI aiDkfrI inwjI qOr ‘qysB qoN iËafdf iËMmyvfr hY qF Auh AuhIhY; ikAuNik Aus dy sfhmxy KVHy ho ky hIBfjpf df hfiraf hoieaf ivDfn sBfAumIdvfr ihMsf dI DmkI dy irhf sI.ihMsf Aus DmkI qoN bfad hI hoeI. jyDmkI dyx smyN hI kipl imÈrf ƒ igRPqfrkr ilaf jFdf qF dMgy huMdy hI nf. imÈrfny Auh DmkI sYNkVy dMgfkfrIaF dI hfËrI

ivc puils ƒ idwqI sI aqy ikhf sI iknfgirkqf soD kfƒn dy ivroDIaF ƒ AuhCyqI htfey; jy aijhf nf hoieaf qF iPrAuh htfAugy. DmkI dI smF-sImf vI Aus

ny bMnH idwqI sI aqy ikhf sI ik trMp dyjfx qwk puils afpxf kMm pUrf kry,nhIN qF Auh krygf. idwlI dy Auqr-pUrbIiËlHy dy puils kpqfn dy sfhmxy AuhDmkI idwqI geI aqy iPr vI Auh cuwpcfpsuxdf irhf. Aus ny nf qF Aus smyN imÈrfƒ igRPqfr kIqf aqy nf hI bfad ivc.Aus df nqIjf ieh hoieaf ik ihMsf PYlgeI, dMgy vDdy gey aqy Aus dI lpyt

ivc Kud Auh zI[sI[pI[ vI af igaf.jy kipl imÈrf dI igRPqfrI ho jFdI

qF ieh sMdyÈ jFdf ik puils AunHF sfiraFdy iKlfP hY jo ihMsf krn df ierfdf rwKdyhn. Aus ƒ nf PVn kfrn dMgfkfrIaFivc sMdyÈ igaf ik puils AunHF dy nfl hY.dMgfkfrI nfary lfAuNdy sn, ‘Xh aMdrkI bfq hY, puils hmfry sfQ hY’. kiplimÈrf dy igRPqfr nf hox nfl AunHF ƒ iehlwgx lwgf sI ik ieh isrP aMdr dI gwlhI nhIN hY, sgoN spÈt qwQ hY ik puilsAunHF dy nfl hI hY. iesy kfrn dMgfkfrIaFdy hOsly qF vDy hI, AunHF dI igxqI vI vDIaqy Auh afpxy iGnfAuxy kfrnfimaF ƒaMjfm dyx ivc jut gey. ‘idwlI puilsiËMdfbfd’ dMgfkfrIaF df muwK nfarf bxigaf. ijQy ikqy vI AunHF ƒ puils idKfeIidMdI, Auh idwlI puils df nfarf lfAuxlgdy. ijQy puils nhIN vI huMdI, AuQy vIAuh aijhy nfary lfAuNdy qF ik iËafdf qoNiËafdf lokF ƒ afpxy groh ivc Èfimlkr skx. ies qrHF dy nfary lf ky AuhlokF ƒ afpxy groh ivc Èfiml krn dfswdf idMdy sn qF ik lok smJx ik dMgfkrn ‘qy idwlI puils vloN AunHF ƒ koeIKqrf nhIN hY. Auh glq vI nhIN sn.ÈurUafqI idnF ivc puils ny jF qF qmfÈbIn

dI BUimkf inBfeI jF AunHF ivcoN kuJdMgfkfrIaF dy nfl KVHy idKfeI idwqy. iesdy keI vIzIE sfhmxy af cuwky hn. KudsuprIm kort ny svfl KVHy kridaF ikhfhY ik idwlI puils dMigaF dOrfn pyÈyvrnhIN sI. hfeI kort ivc qF iek puilsaiDkfrI ieQoN qwk kihMdf hY ik ivBfg ƒkipl imÈrf dI DmkI dy vIzIE bfry koeIjfxkfrI nhIN hY. iPr adflq hI Ausy vkqpuils ƒ vIzIE idKfAuNdI hY aqy puwCdI hYik Auh puils aiDkfrI kOx hY ijs ƒsMboDn kridaF imÈrf DmkI dy irhf hY?hflFik puils vloN pyÈ hox vfly vkIlaqy puils aiDkfrI ieh nhIN dwsdy ikAuh puils vflf koeI hor nhIN sgoN ihMsfpRBfivq Auqr-pUrbI idwlI iËlHy df puilskpqfn hI sI.

swc qF ieh hY ik kipl imÈrf dIAus DmkI qoN pihlF hI idwlI puils afpxyPrË df pflx nhIN kr rhI sI. jvfhrlfl nihrU XUnIvristI ivc ividafrQIaF‘qy hmlf krn vfly nkfbpoÈF dy ichiraFqoN nkfb Auqr cuwky hn pr ajy qwk iksyƒ igRPqfr nhIN kIqf igaf. jfmIafimlIaf ieslfmIaf ivc puils vfilaFdy sfhmxy iek nOjvfn ny lokF ‘qy golIclfeI. puils kol Aus ƒ rokx leIloVINdf smF sI pr Aus ƒ nhIN roikafigaf. kipl imÈrf dy mfmly ivc vIpuils ny AuhI kIqf aqy ies dy iswty vjoNidwlI ivc vwzI pwDr ‘qy sfVPUk hoeI.

Page 12: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (12)

sux vy pMjfibaf, qy soc vy pMjfibaf[[[

gurpRIq isMG qUr

KyqF ivc hwQIN kMm krdy imhnq-muÈwkq ivc ruwJy lok ikrqI aKvfey. phuPutdI ƒ Kyq vfhuMdy iksfn, hwQIN kMmkrdy kfmyN, kMDF-koTy ilpdIaF aOrqF,pÈU cfrdy bfgI muMzy, aftf pINhdI mÈIndy GuwgU dI afvfË, PyrI lfAuNdy sbËI vycxvfly, muhfry zuMgdy pirvfr, ieMj kMm-DMdy lwgy pMjfb ny jvfnI ƒ jdoN styj ‘qypyÈ kIqf qF Auh sn sfAU qy kfmy, pqlyqy CFtvy srIrF vfly, kuVqy-pjfmy pihnxvfly, suhj qy slIky nfl BrpUr, Cuhlyqy nfËuk. smyN dI krvt ivc nvIN pIVHIKyqF nfloN tuwt ky hwQIN kMm krn qoN vfJINrih geI. aijhy hflfq ivc jvfnI dI joqsvIr sfhmxy afeI, Auh hY ivhlV qygvfr, boJl qy Bfry, isr dy vflF ƒ rMgqy kMnF ivc vflIaF, tYtU qy PtIaF jInË,motr bfeIk qy KuwlHIaF jIpF, pIËy qybrgr. ies sPr dI dfsqfn lMmI hY.

ikrq ivcoN sfzf siBafcfr Aupijafaqy kxk, mwkI qy kpfh dIaF PuwtIaF

vFg ikrqIaF qy suafxIaF dy hwQF ivcprvfn ciVHaf. hwQIN kMm krn ivc ruwiJafmn afpxf afp Buwl jFdf hY. kudrq dyrMg Aus ƒ amIrI bKÈdy hn. kfimaF dysrIrF ivc KyVy bKÈx vfly qMdrusq qwqpYdf huMdy hn. ieho kfrn hY ik kMm ivcruwiJaf bMdf rotI vylf Buwl jFdf hY qy Auskol ipaf cfh df iglfs TMZf ho jFdf hY.kMm ivc ruwJy bMdy ƒ mn pRcfvy aqy sMgIqdI loV nhIN pYNdI. ies avsQf ivc Auh jobolygf Auh gIq bxygf, sfzy lok gIqF dfjnm ieMj hI hoieaf hY. Auh gux-guxfAuxlwgdf hY qy Aus dy bol sMgIq dI cfÈnIivc zuwby huMdy hn. poh mfG dI rfq ƒkxk dy Kyq ƒ pfxI lfAuNdy iksfn dfgfAux lwg jfxf aqy kpfh cugdIaF aOrqFdy gIq iesy avsQf df pRqIk hn. ‘jdpYx kpfhIN Puwl vy DrmI bfblf, sfƒ Auhruwq lY deIN muwl vy DrmI bfblf’ PslFvFg sfzy gIq vI KyqF ivcoN hI Aupjy hn.ienHF gIqF ƒ KyqF dy suhwpx dI Cuh aqyirÈiqaF df inwG pRfpq hY. ieMj hoNd ivcafey siBafcfr ivc imwtI dI mihk aqyÈwkr dI imTfs hY. kMm qy KyqF nfloN tuwtky pMjfbI gwBrU ivrsy qy siBafcfr dIaFKuÈIaF aqy KyiVaF qoN vFJy rih gey hn.afpxy ivrsy aqy siBafcfr nfloN tuwt jfxfafpxy afp nfloN tuwt jfx vFg hY.

siBafcfr ƒ jd Puwl pYx lwgy qFAus dI KuÈbo myilaF dy rUp ivc pMjfbIaqdy kx-kx ivc PYl geI. myly sfzysiBafcfr dI mihk hn, siBafcfr dIjvfnI myilaF dy rUp ivc pRgt hoeI.imhnq muÈwkq qoN bfad jd mn KuÈIivc KIvf ho ky nwcx-twpx lwgf qF myilaFdI hoNd sfhmxy afeI. icwty cfdry glFdy ivc gfnIaF, myly suhwpx, KuÈIaF aqyiËMdfidlI df pRqIk hn. ivsfKI, pwkIPsl ƒ dyK ky KuÈI ivc KIvy hoey mn dI

mOj hY aqy holf-mhwlf gurU sfihb vloNcVHdI klf ivc rihx df sunyhf hY. ienHFmyilaF ivc Dfrimk aqy ieiqhfskvfrF dy gfAux lwgdy rhy hn. icwiTaF qyrsfilaF dy rUp ivc sfihq dI ivkrIienHF myilaF df ivÈyÈ aMg rhI hY. ieh

myly mn qy qn df rwË huMdy sn. ijs nyienHF myilaF ivc Zol vwjdf nhIN suixafqy jlybIaF nhIN KfDIaF, smJo Auh hflypMjfbI siBafcfr dy mIl pwQr qoN ipCFhKVHf hY. pÈUaF dIaF rMg-ibrMgIaFgfnIaF qy cmkdy Dilafry, pÈU mylyiksfnF dI afriQkqf dy nfp-qol dfpRqIk mMny jFdy rhy hn. smyN dI pYVivc ienHF myilaF dy srUp bdlx lwgy,pÈUaF dI QF trYktrF aqy motrsfeIklFdIaF mMzIaF lwgdIaF hn. pMjfb dIjvfnI myilaF dy amIr KËfny qoN vFJIrih geI hY.

purfxy simaF dI gwl hY jdoN rfjy-mhfrfjy gvMqrIaF qoN gfAux sux kymnpRcfvf krdy sn. aihlkfr rfjy ƒKuÈ krn leI iksy gvMqrI ƒ swdx leIGroN inkly pr Auh mÈhUr gvMqrI pihlFhI ikqy igaf hoieaf sI. lokF iksy horgvMqrI dI dws pfeI. jwko-qwkI ivcaihlkfr Aus Gr phuMcy, Auh Jwt-pwtiqafr ho igaf pr Auh duicqI ivc sn,jy rfjy ƒ gfAux psMd nf afieaf qF

ÈfbfÈ nfrfËgI ivc vI bdl skdI hY.afpxy sfËF ƒ TIk kridaF gvMqrI nyaihlkfrF ƒ ivÈvfs duafieaf ik jyrfjf KuÈ nf hoieaf qF nfrfË vI nhINhovygf. iqMnoN mihlF vwl cwl pey. rfjy dfafsx dyKidaF hI aihlkfrF df ivÈvfs

Pyr iQVikaf. gvMqrI df afqmivÈvfs JMjoiVaf igaf, ieQoNvfps muVnf Aus ƒ afpxI qOhInjfpI. ipMz vfps ikvyN jfvFgf, iehsvfl Aus dy Ëihn ivc afieafqy Aus ƒ qihs-nihs kr igaf.nIvIN pf ky qrs BrIaF nËrF nflAus ny afpxy sfËF ƒ dyiKaf aqyAus dIaF awKF Br geIaF. rfjydy afsx vwl JfqI mfr ky Auhkihx lwgf, qusIN rfjy dy afsxdy afsy-pfsy muwTI-muwTI ryqf ivCfidE, mYN swsI suxfvFgf qy Ausryqy ‘qy zfcI qy swsI dIaF pYVFidKf dyvFgf. swc-muwc sMgIq iesqoN vI vDyry qfkq rwKdf hY prajoky dOr ivc gIqkfrF aqygvweIaF ny jvfnI awgy j oproisaf, Aus ny pMjfb dI DrqI‘qy gYNgstrF dIaF pYVF idKfidwqIaF. hux gIq ieMzstrI bxgey ny jdoN ik gIqF dI hoNd qF

puMgr rhy bIjF vFg koml qy rUh ƒ KyVfdyx vFg qfËgI BrpUr hoxI cfhIdI hY.

srkfrI syvf inBfAuNidaF niÈaF aqyjurmF ivc Psy nOjvfn myrf vwzf iPkrrhy hn. iewk ksby ivc pMj-Cy nOjvfnF‘qy lVfeIaF JgiVaF dy swq-swq, awT-awT mukwdmy drj ho gey sn. adflqFivc qrIkF ‘qy afAuNdy-jFdy Auh afpsivc iPr AulJ jFdy. AunHF dy pirvfr jylHivc mulfkfqF krdy qy kcihrI qrIkF‘qy afAuNdy jFdy, Tyzy KFdy iPrdy. mYNnfpx-qolx dI koiÈÈ kIqI ik ies ksbyivc aijhf ikAuN hY? pihlI lVfeI ipMzivc ho rhy Kyz myly dI ieÈiqhfrbfËI qoNÈurU hoeI qy vwZx-tuwkx dy isKr qk puwjgeI. Kyz myly dy ieÈiqhfr borz ‘qy PotoaFdI cox lVfeI df kfrn bxI. iewk nybfhroN muMzy bulf ky dUjy ƒ kuwitaf qy dUjyny pihly qoN bdlf ilaf. iewk hor nOjvfnkoeI ruËgfr nf imldf dyK ky Èrfb dyTykydfrF nfl juV igaf. iewk Gtnf dOrfnnfËfiej Èrfb vycx vfilaF ny AunHF ‘qygolI clf idwqI. TykydfrF ny slfh idwqIik qusIN vI hiQafr rwK lvo. iewk-dolVfeIaF hoeIaF qy iPr acfnk qkrfrqoN bfad AunHF qoN iewk afdmI gMBIr ËKmIho igaf. Aus Gtnf mOky AuWQy hfËr cfroNnOjvfn jylH cly gey. iqMn-cfr aijhynOjvfn lVfeI JgiVaF qoN sMgIn jurmFqwk df sPr qyËI nfl qYa kr gey. jylHjf ky AunHF df myl-imlfp hor aprfDIaFnfl hoieaf qy siQqI lgfqfr gMBIr huMdIgeI. aijhy nOjvfnF ƒ lVfeI JgiVaFdy cwkr qoN bfhr kwZx leI ivÈyÈAuprfilaF dI loV hY jdoN ik smfj aqyisstm nfl juVy lok afpxy afp qk hIsImq rih jFdy hn.

do aOrqF idn dy dUjy pihr dPqrafeIaF. iewk ny gwl ÈurU kIqI ik iehdfpuwqr niÈaF leI pYsy lYx leI ies ƒkuwtdf mfrdf hY. aglI gwl Aus aOrqny afpxy-afp ÈurU kIqI. Gr df sB kuJvyc idwqf hY. keI vfr hspqfl BrqIkrvfieaf pr iPr nÈf krn lwg jFdfhY. hPqy bfad pMj hËfr rupey mMg lYNdfhY. awj mYN asmrwQf pRgtfeI qF Aus nymYƒ kuwt ky kmry aMdr bMd kr idwqf.iqMn GMty aMdroN drvfËy BMndI rhI qFikqy ienHF ƒ pqf lwgf. Aus ny nfl afeIaOrq vwl ieÈfrf kIqf. hux dUjI aOrqbolx lwgI, drvfiËaF df KVkf ËrUrhuMdf irhf, pr asIN soicaf hI nf ikaijhf hoieaf hovygf, ies ƒ kuwitaf vIhY, Auh aOrq Juk ky Aus df ichrf vyKxlwgI. Aus aOrq dI iewk awK lfl qy mUMhdy Aus pfsy soj sI. BfvyN hr mF socdI hY

ik Ausdy puwq Aus dI arQI ƒ moZf dyx,pr ies mF ny jo arËI pyÈ kIqI Aus dIafKrI lfeIn sI ik myrf puwq nÈy dfgMBIr afdI ho cuwkf hY, ieh afpxI iËMdgIdf afp iËMmyvfr hovygf. hr pl puwqF dIsuwK mMgdIaF mFvF iËMdgI dy iks mukfm‘qy afx KVIaF hn.

pMjfbI iPlmF jd hoNd ivc afeIaFqF pyNzU lok iekwTy ho ky isnmF GrF ivciPlm vyKx jFdy sn. slfhF huMdIaF,sunyhy idwqy jFdy aqy sflm qFgy buwkkrvf ley jFdy. pjfimaF qy cfdiraF vflyikrqI lok iewk dUjy qoN mUhry ho-ho isnmfGrF ivc dfKl huMdy. koeI cMgf zfielfgboilaf jFdf qF qfVIaF vwjdIaF. koeIDfrimk idRÈ sfhmxy afAuNdf qF lok ÈrDfnfl isr JukfAuNdy. idl ƒ CUh jfx vflfkoeI gIq afAuNdf qF lok vfh-vfh krdyqy siqkfr vwjoN KVy ho ky afny do afnyskrIn vwl vgHf-vgHf mfrdy. iPlmclfAux vfly aglf Èoa ÈurU hox qoN pihlFduafnIaF-cuafnIaF iekwTIaF kr lYNdysn. kMmF-DMidaF ivc QwikaF srIr mndI lor ivc af ky sfvF ho jFdf sI. iesvrHy aprYl mhIny mYN vIh-pMJI sflpurfxy pMjfb dI pyÈkfrI krdI iPlm vyKxclf igaf. rfq awT vjy Èoa ÈurU hoieaf,aglI kqfr ivc swq-awT muMizaF df

pMjfb ivc ies smyN ‘sB awCf’ nhIN hY. afpf-DfpI dI isafsq ny awj pMjfb nMU qbfhIvl qor idwqf hoieaf hY. iesy krky pMjfb df nOjvfn prdysF vl vhIrF GwqI bYTf hY.gurpRIq isMG qUr ny ies lyK ivc pMjfb leI hfa df nfarf mfiraf hY. jo vI koeI AuTdfhY, doÈ nOjvfnF isr mVHn lwg pYNdf hY. asl ivc, isafsq dIaF vwzIaF mfrF dfsqfieaf nOjvfn hux inwjvfdI ho ky isrP ‘qy isrP afpxy bfry hI soc irhf hY. aijhymfhOl ivc srbwq dy Bly vflf hokf lfAux dI bhuq loV hY. ies lyK ivc lfey icwqrieMglYNz vwsdy icwqrkfr suKpfl gryvfl dy hn, ijs dIaF klf ikrqF ivc pMjfb dIDVkx suxfeI idMdI hY. -sMpfdk

iewk gruwp bYTf sI. iPlm ÈurU hox qoNpihlF AunHF afps ivc gwlF kridaFaijhy Èbd vrqy jo pirvfr dI mOËUdgIivc suxy nhIN jf skdy sn. kfsitMg gIqÈurU huMidaF hI AunHF ivcoN do ny bfhFAulfr-Aulfr ky iklkfrIaF mfrnIaFÈurU kr idwqIaF, iPr do jfxy cIkF mfrnlwgy. drÈkF ny rokx dI koiÈÈ kIqI prAunHF kuJ KfDf-pIqf hoieaf sI. afKriPlm rok ky pRbMDkF ny bfAUNsrF dI mddnfl AunHF ƒ isnmf hfl qoN bfhr kwiZaf.swqr-pJMqr virHaF ivc pMjfbIaqpilEN bhuq kuJ ikr cuwkf hY.

iËMdgI isKr df isrV qy imhnq dImMg krdI hY. Kyz mukfbilaF ivc iesƒ afsfnI nfl dyiKaf jf skdf hY.cY NpIanË trfPI dOrfn pfiksqfnIiKzfrIaF ny ies df BrpUr pRgtfvf kIqf.tUrnfmYNt ijwq ky jdoN Auh vqn prqy qFAunHF df hr kdm Puwl pwqIaF nfl Zwkilaf igaf. Aus tUrnfmYNt df srvoqmiKzfrI hsn alI gujrFvflf dy ipMz lwDyvflf vVYc df vsnIk hY. dyÈ vMz smyNies ipMz ivc ihMdUaF qy iswKF dy keI Grsn. ‘lwDy vflf vVYc’ dyÈ vMz df duKFqpyÈ krdI mihMdr isMG srnf dI rONgtyKVHy krn vflI khfxI hY. sMsfr ijwq kyjdoN hsn alI afpxy Gr vVn lwgf qFmIzIaf ny Aus awgy svflF dI JVI lgfidwqI, ieh mukfm ikvyN hfsl hoieaf, keIsvflF ivcoN ieh AuWcI afvfË sI. afpxy

nfl KVI vwzI BYx vwl ieÈfrf krky AuhkihMdf BYxF dIaF duafvF krky, vwzI BYxmF vrgI, Auh muskrfieaF qy Aus nyafpxf isr Gr dI dyhlI ‘qy rwK idwqf.Bfrq qy BfrqI iKzfrIaF bfry itwpxIkrn qy mIzIaf vwloN AuksfAux ‘qy vIAuh iewk vI Èbd ivroD ivc nhIN boilaf.Auh kihMdf kdy Auh ijwq jFdy ny qy kdyasIN ijwq jFdy hF. Aus smyN Aus dy Grdy bfhr lokF dI vwzI BIV sI, Auh koTyciVHaf qy Aus ny dovyN bfhvF KolHIaF qyieMj ieÈfrf kIqf ijvyN Auh ivkt lYx qoNbfad krdf hY. muMizaF ƒ sMboDn huMidaFAuh iewko vfk boilaf: imhnq kirE, qusINsMsfr ijwq skdy ho.

CYl nvfbF dy Gr Zukxf,srdfrF dy Gr Zukxf,mYN bilhfrI vy mF idaf surjxf.sohxy qy cIry vfilaf vy,cIrf kÜgI dy nfl iÈMgfiraf eI.lorIaF, GoVIaF, mfhIaf, suhfg

lokDfrf dy hr rUp ivc mnuwK ƒ aQfhlfz-ipafr qy siqkfr imilaf hY.nOjvfnF ƒ ies mfx-snmfn df muwlmoVnf cfhIdf hY. koeI gwBrU lokDfrf dyienHF bolF ƒ gux-guxfAuNdf hoieaf iËMdgIdI styj qoN lMG jfvy ies lyK df iehoAudyÈ hY.

duiKafrIjwg dI jnnI hY jI.mF, BYx, pqnI hY jI.BUaf, mfsI, inwkI DI.pr jwg ny idwqf kI?

dunIaF ilqfVdI hY.jINdy jIa sfVHdI hY.kuwKF ivc mfrdI hY.kihr guËfrdI hY.

awKF nIvIaF rwKdI.

BYVI nËr qoN bcdI.lfj bfpU dI rwKdI.nf idlF dI dwsdI.

bol kubol hY sihMdI.nf kuJ mUMh qoN kihMdI.sB mmqf ‘c sihMdI.aMdroN hY GutI rihMdI.

nf sMqfn Kud dy nF.nf jgIr koeI hY nF.afKx nUM mF Aucy QF.

qYQoN mF lwK vfrI jF.

mrdF dI qwko hAumY.inaF vI lYNdf nf ijMmy.hwk mMgy qF kOVI quMmy.ijAux dI cfh hY guMmy.

Bfrq jF hovy amrIkf.mrdF df ieho qrIkf.vrqdf kdy nf slIkf.bdnsIb df hY vsIkf.

-syvf isMG nUrpurI

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (13)

pMQk slyt dy syvfdfrF nUM afpxf kImqI vot pf kygurduafrf sfihb aqy sMgq dI syvf df mOkf bKsLo jI

• gurU sfihbfn aqy gurU gRMQ sfihb jI dy srb sFJIvflqf dy afdrsL ‘qy pihrf dyxf.• ivsLv pRisD rfgI, ZfzI jQy aqy kQfvfck bulfAuxy.• iswK ieiqhfs nfl sbMDq sfry hI idn-idhfVy pUrI sLrDf aqy AuqsLfh nfl mnfAuxy.• bwicaF aqy nOjvfnF nUM iswK ivrsy aqy KyzF nfl joVnf.• gurmiq skUl, lfiebryrI aqy mYzIkl kilink dIaF syvfvF nUM hor ibhqr bxfAux leI vsIly muhweIaf krny.• bjLurgF dy siqkfr qy qflmyl leI pRogrfm bxfAuxy.• borz dy kMm-kfj ivc pUrn pfrdrsLqf ilafAuxf.• sMgq dIaF loVF leI nvIN pRfprtI nUM ivkisq krnf.

holy mhwly aqy nfnksLfhI sMmq sfl 552 dI arMBqf dIafp sB nUM lwK lwK vDfeI

borz dy AumIdvfr Board of Trustee Candidates

5 apRYl 2020 nUM gurduafrf sfihbpYlftfeIn dIaF coxF ivc pMQk slyt dysyvfdfrF nUM afpxf kImqI vot pf ky iswKirlIjIas susfietI, isLkfgo (gurduafrfsfihb pYlftfeIn) dy sucfrU pRbMD aqy sMgqdI syvf df mOkf bKsLo jI.

sMgq nUM apIlsI[ afeI[ sI[ AumIdvfr CIC Candidate

Vote Ballot No. 1

XfdivMdr isMG gryvfl

Vote Ballot No. 3

awCr isMG

Vote Ballot No. 7

isLivMdrjIq isMG (dfrf isMG)

Vote Ballot No. 8

qrlocn isMG mulqfnI

Vote Ballot No. 2

jsvIr kOr mfn

Page 14: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (14)

nfrI idvs: pMjfb dIaF DIaF ny cmkfieaf mulk df nfmmfn kOr sxy 15 aOrqF ƒ nfrI ÈkqI purskfr

nvIN idwlI: rfÈtrpqI rfm nfQ koivMd vloN kOmFqrI mihlf idvs mOky15 mihlfvF ƒ nfrI ÈkqI purskfr Byt kIqy gey. mihlf ÈkqIkrn aqy smfjBlfeI leI inrMqr kMm kr rhIaF mihlfvF ƒ hr vrHy srkfr vloN mihlf idvsmOky nfrI ÈkqI purskfr nfl snmfinq kIqf jFdf hY. 2019 dIaF jyqU mihlfvFƒ KyqIbfVI, KyzF, dsqkfrI, vx-rwiKaf, jMglI jIv rwiKaf, iswiKaf aqy rwiKafsYnfvF afid KyqrF ivc Xogdfn bdly snmfinq kIqf igaf hY. purskfr jyqUaFivc 103 virHaF dI mfn kOr Èfml hY, ijs ƒ ‘cMzIgVH df ikRÈmf` vI ikhf jFdfhY. Aus ny 93 sfl dI Aumr ivc afpxy aQlYitk krIar dI ÈurUafq kIqI.polYNz ivc hoeI aQlYitk cYNpIaniÈp ivc cfr son qmgy ijwqx vflI mfn kOr nyamrIkf dIaF mfstrË gym, 2016 ivc dunIaF dI sB qoN qyË rPqfr vflIbËurg mihlf hox df irkfrz kfiem kIqf sI.

modI vloN afpxf soÈl mIzIaf Kfqf mihlfvF hvflynvIN idwlI: pRDfn mMqrI nirMdr modI vloN afpxf soÈl mIzIaf Kfqf mihlfvF

ƒ afpxIaF khfxIaF ilKx leI idwqy jfx dy kdm df iek pfsy svfgq ho irhf hYqF dUjy pfsy ies ƒ iDafn iKwcx df ZMg afiKaf jf irhf hY. mihlf idvs mOky modIny ikhf ik swq sPl mihlfvF vloN afpxy jIvn dI khfxI AunHF dy soÈl mIzIafKfqy rfhIN sFJI kIqI jfvygI. kuJ mihlf kfrkunF ny pRDfn mMqrI dI ies soc ƒÈlfGfXog dwisaf hY jdik keIaF ny ies ƒ zrfmf krfr idMidaF ikhf hY ik iessrkfr dy kfrjkfl dOrfn mihlfvF dI hflq bdqr hoeI hY.

cMzIgVH: smyN dy bdlx nfl kuVIaFny KyzF dy Kyqr ivc awgy afAuxf ÈurU kridwqf hY. pMjfbI kuVIaF df nF ivÈv Brivc gUMijaf hY. afeI[sI[sI[ mihlf tI-20 ivÈv kwp dy PfeInl ‘c phuMc kyBfrq dI tIm ny ieiqhfs rc idwqf hYAuQy hI ies tIm dI pRDfngI pMjfb dymogf dI jMmpl hrmnpRIq kOr vwloN kIqIgeI jo aflrfAUNzr iKzfrn hY.

shury pirvfr df sfQ nf imlx dybfvjUd afpxy pyky pirvfr dy sihXognfl kuÈqI dy Kyqr ‘c qrn qfrn dIgurÈrnpRIq kOr ny keI qgmy Bfrq dIJolI pfey hn. Aus vwloN afpxI CotI ijhIbwcI dy pflx poÈx dy nfl nfl Kyz ƒ vIbrfbr smF idwqf jf irhf hY. Auh sfl2012 ‘c kËfiksqfn ElMipk KyzF ivcihwsf lY cuwkI hY. Aus ny ivÈv Br dy keImukfbilaF ivc ihwsf lY ky Bfrq df nFrOÈn kIqf hY. nvjoq kOr kuÈqI dy Kyqr‘c eyÈIan KyzF ivc ijwq hfsl kr cuwkIhY. inÈfnybfËI dy Kyqr ‘c luiDafxf dIjMmpl ihnf iswDU afeI[aYs[aYs[aYP[ dIivÈv rYNikMg ivc pihlf sQfn hfsl

krn vflI BfrqI dI pihlI mihlfinÈfnybfË bx cuwkI hY. Aus ny ivÈv kwpivc do sony qy do cFdI dy qmgy ijwqy. iesyqrHF inÈfnybfËI ‘c avnIq iswDUrfÈtrmMzl aqy eyiÈafeI KyzF ivc ijwqhfsl krn vflI pihlf pMjfbx iKzfrnbx geI hY. jdik inÈfnybfËI ‘c milkfgoiel aqy hrvIn kOr ny vI dyÈ df nFrOÈn kIqf hY.

iËlHf luiDafxf dy ipMz ckr dIismrnjIq kOr ny ivÈv cYNpIaniÈp ivc

qgmf ijwqx vflI pihlI pMjfbxmuwkybfË df iKqfb hfsl kIqf. Aus nyeyÈIan cYNpIaniÈp ‘coN dyÈ leI cFdI,ieMzIan Epn tUrnfmYNt ivcoN cFdI,pRYËIzYNt kwp ivcoN son qmgf ijwq ky pMjfbdf mfx vDfieaf hY. pihlI vfr BfrqIhfkI tIm ‘c pMjfb dIaF do-do iKzfrnFgurjIq kOr aqy rInf KoKr ny afpxIQF bxfeI hY. gurjIq kOr zrYg PilwkrvjoN BfrqI tIm df Durf bxI rhI aqyBfrqI tIm ƒ ElMipk leI kuaflIPfeIkrvfAux ‘c Aus df vwzf Xogdfn irhf.iesy qrHF pMjfb dI jMmpl rInf KoKr nyBfrqI hfkI tIm ivc mwD pRdyÈ hfkI

akfdmI vloN ihwsf lY ky vDIaf pyÈkfrIidwqI. ies qoN ielfvf aQlYitks dy Kyqr‘c mndIp kOr, mnjIq kOr, ijmnfsitk

ivc pRBjoq kOr, jUzo ivc rfjivMdr kOrny ivÈv pwDr dy mukfbilaF ‘c ijwqFhfsl kIqIaF.

cMzIgVH: nkodr byadbI kFz dypIVq 34 sflF qoN iensfP dI AuzIk krrhy hn. ies muwdy Auqy pMjfb ivDfn sBfivc koeI crcf nhIN hoeI pr ies dI gUMjXU[aYn[E[ ivc pY geI hY. pfiksqfn vfsIzf[ iekiqdfr krfmq cImf ny XU[aYn[E[dI 43vIN mnuwKI aiDkfr kONsl dy ivÈyÈsYÈn dOrfn jnyvf c ihwsf lYNidaF nkodr‘c hoeI gurU gRMQ sfihb dI byadbI aqypMjfb puils vwloN clfeIaF golIaF nflmfry gey cfr iswK nOjvfnF dy muwdy ƒbfKUbI AuBfiraf hY. zf[ cImf ny ies kFzdI gwl AudoN cuwkI jdoN Auh idwlI dMigaFbfry gwl kr rhy sn ik AuQy kurfn ÈrIPqy msijdF dI byadbI kIqI geI sI.

zf[ cImf ny ikhf ik Bfrq ivc Gwt

igxqIaF dy DfrimkgRMQF dI byadbI vfr vfrho rhI h Y. 34 sflpihlF ksbf nkodr ivcgurU gRMQ sfihb dIaF pMjbIVF sfV idwqIaF sn qyros pRgtfAuNdy iswKF `qypMjfb puils ny aMnHyvfhgolI clfeI, ijs kfrncfr iswK nOjvfn-BfeIrivMdr isMG ilwqrF,BfeI blDIr is MGrfmgVH, BfeI iJlmxisMG gOrsIaF qy BfeI hrimMdr isMGclUpr ÈhId ho gey sn.

ÈhId BfeI rivMdr isMG ilwqrF dy

ipqf bldyv isMG ilwqrFny ikhf ik Auh 34 sflFqoN iensfP mMg rhy hn.1986 `c Gtnf vfprnvyly jlMDr iËlHy dy vDIkizptI kimÈnr drbfrfisMG gurU sn, ijnHF kolizptI kimÈnr dIaFqfkqF vrqx df hwk sIqy AudoN aYs[ aYs[ pI[ieËhfr aflm sI. huxdovyN afgU akflI dl(bfdl) c vwzy ahuidaF

Auqy hn. AunHF dwisaf ik amrIkf ivcPrvrI mhIny ivc cfr ÈihrF ivc nkodrbyadbI kFz dy gMBIrqf nfl crcf kIqI

geI sI. amrIkf ivc gurduafrf PrImFtaqy stYnPorz XUnIvristI iswK skflrËkfnPrMs amrIkn iswK ividafrQIjQybMdI jYkfrf vwloN smfgm krvfey geysn. ivdyÈF ivc vwsdy iswK BfeIcfry nypMjfb dy muwK mMqrI kYptn amirMdr isMGƒ apIl kIqI hY ik Auh 1986 ivc vfprynkodr kFz dI irport ivDfn sBf ivcrwKx.

iËkrXog hY ik 1986 ivc ÈRomxIakflI dl dI srkfr sI. muwK mMqrIhuMidaF surjIq isMG brnflf ny iesGtnf dI jFc leI jsits gurnfm isMGkimÈn bxfieaf sI, ijs ny irportsrkfr ƒ pyÈ kr idwqI sI pr ajy qwkies irport AuWpr koeI kfrvfeI nhIN hoeI.

XU[ aYn[ E[ ivc gUMijaf nkodr byadbI kFz df muwdf

pitaflf: iswK pRcfrk rxjIqisMG ZwzrIaF vfly ny akfl qKq dyjQydfr ƒ sMgq dI hfËrI ‘c kYmry awgylfeIv ho ky iswDf sMvfd rcfAux df sunyhflfAuNidaF icqfvnI idwqI hY ik jy Aus dImMg Auqy jQydfr ny tfl-mtol kIqI qFAuh iswDy Aus dy Gr qwk dsqk dyx qoNvI guryj nhIN krngy. jQydfr ƒ sfbqkrnf hovygf ik Auh ikQoN inrMkfrI hY?gurduafrf prmyÈr duafr syKpurf ‘ciekwqr sMgq dI hfËrI `c kIrqnsmfgm dOrfn ZwzrIaF vfly ny akflqKq dy jQydfr ƒ keI muwidaF qy kosidaFmMc qoN pyÈ kIqI kivqf rfhIN ivaMgmeIqrIky nfl ieh vMgfr vI dy idwqI, ‘aYnyvI nhIN imwTy koeI mUMh ‘c pf lvy, sfƒsmJo nf KMz dy mKfxy jQydfr jI.’

BfeI ZwzrIaF vfly ny lMmI kivqf‘c akfl qKq dy jQydfr ƒ krVy hwQINlYNidaF afpxy afp ƒ iksy ivvfd qoN ijQybyksUr dwisaf AuQy jQydfr ƒ afiKaf,‘asIN ikhVf iksy gwloN kfxy jQydfr jI,awgy qusIN afp hI isafxy jQydfr jI.‘pUry dIvfn ‘c ZwzrIaF vfly ny akflqKq dy jQydfr ƒ ijQy vfr vfr koisafAuQy hI akfl qKq dy isstm Auqy vIkeI qrHF dy svfl qy ÈMky KVHy kIqy. AunHFakfl qKq dy jQydfr aqy smuwcy isstmpRqI byBrosgI df pRgtfvf kridaF iehvI afK idwqf ik ienHF ny kih dyxf hY ik

ieh iswK hI nhI, aijhy ‘c ieh ‘Cyk‘ vIskdy hn pr Auh hr cuxOqI ƒ kbUlkrngy aqy ipCy nhIN htxgy.

dwsxXog hY ik BfeI ZwzrIaF vflydy sUrj pRkfÈ gRMQ ƒ lY ky vwKry ivcfrhn. ivvfdq iswK pRcfr dy muwdy Auqy akflqKq vwloN ipCly sfl pMj mYNbrI kmytIbxfeI geI sI, ijs ny BfeI ZwzrIaF vflynfl gwl krky ivvfdq msly dy hwl dfkoeI inqfrf krnf sI pRMqU Auh pMj mYNbrIkmytI nfl gwl krn qoN nfbr hn. AunHFƒ iÈkvf hY ik akfl qKq dy jQydfr nyAus ƒ inrMkfrI ikhf hY qy hux Auh iehsfbq krn. ies mfmly ‘c Auh jQydfrnfl cYnl `qy sMgq dI hfËrI ‘c iswDfsMvfd rcfAux leI iqafr hY, jy jQydfrny iJjk idKfeI qF Auh Aus dy Gr qwkdsqk dyx qoN guryj nhI krygf. AunHF

ieh vI ikhf ik Auh bMd kmrf bYTk ‘cieh kih dyxgy ZwzrIaF vfly ny muafPImMg leI hY, ijs nfl Aus df lwk tuwtjfvygf ies vfsqy hI Auh KulHy sMvfd ‘qyaVy hoey hn. AunHF jQydfr Auqy ieh vIiglf kIqf ik isrsy vfly ƒ muafPI dyxvyly qF koeI kmytI giTq nhIN kIqI, jdoNAus ny sMgq ƒ swc dI ksvwtI Auqy KryAuqrdy igafn dy shfry iswKI nfl joVndI gwl kIqI hY qF Aus ‘qy iÈkMjy kwsyjfx lwgy hn. AunHF aYlfn kIqf ikprmyÈr duafr ‘c hr mhIny vwzf dIvfnqy hr aYqvfr sMKyp pRcfr muihMm ƒ jfrIrwiKaf jfvygf. aijhy ‘c sMgq prmyÈrduafr ivc hfËrI BrdI rhy, ijs nflAus ƒ hOslf imldf rhygf.

ZwzrIaF vfly vloN jQydfr ƒ KuwlHI cuxOqI

cMzIgVH: mu wK mMqrI kYptnamirMdr isMG ny pRDfn mMqrI nirMdrmodI ƒ sfihbËfdf Pqih isMG dy nF AuqykOmI bhfdrI aYvfrz dyx aqy dIvfntozr mwl dy siqkfr ivc sony df XfdgfrIiswkf jfrI krn dI apIl kIqI hY. sRImodI ƒ ilKy pwqr ivc AunHF ikhf ikdsmyÈ ipqf gurU goibMd isMG jI dy CotysfihbËfdy dI lfsfnI bhfdrI awgy dunIaFBr ivc vsdy pMjfbI bhuq hI ÈrDf qysiqkfr nfl isr JukfAuNdy hn.

AunHF ikhf ik gurU goibMd isMG jI nymuglF dy ainaF aqy dmn iKlfP lVfeIlVidaF smuwcf pirvfr vfr idwqf sI ijskrky ieiqhfs ivc gurU sfihb ƒ‘srbMsdfnI` vjoN siqkfiraf jFdf hY.pwqr ivc AunHF iliKaf ik gurU jI dy doCoty spuwqrF sfihbËfdf Ëorfvr isMG qysfihbËfdf Pqih isMG ƒ axmnuwKI aqybyrihm ZMg nfl srihMd ivc iËMdf nINhFivc icxvf idwqf igaf sI. inwkI Aumr dybfvjUd Coty sfihbËfidaF ny srihMd dymugl hfkm dI qfkq ivruwD imsflIbhfdrI aqy dlyrI idKfeI sI. kYptn nyikhf ik pMjfb qoN bfhr Kfs krky ivÈvBr dy lokF ƒ sfzy ieiqhfs dy pMinaFivc drj ies mhfn aiDafey qoN pRyrnflYxI cfhIdI hY.

sfihbËfdf PiqhisMG dy nF ‘qy bhfdrIaYvfrz dyx dI mMg

jlMDr: aYn[afr[afeI[ sBf pMjfb dI cox vfsqy iswDI hoeI twkr ivc amrIkfdy rihx vfly ikrpfl isMG shoqf ny afpxy ivroDI AumIdvfr jsvIr isMG Èyrigwlƒ 160 votF dy Prk nfl hrf idwqf. pMjfb dI aYn[afr[afeI[ sBf dy lgBg 23

hËfr mYNbrF ivcoN pRDfn cuxn leIisrP 363 votrF ny hI afpxIaFvotF pfeIaF.

cox dy irtrinMg aPsr qyvDIk izptI kimÈnr jsbIrisMG ny dwisaf ik ies cox ivwckuwl 363 votF peIaF ijs ivcoNikrpfl isMG shoqf ƒ 260,jsbIr isMG Èyrigwl ƒ 100 qypRIqm isMG nrMgpur ƒ do votFpeIaF jdik iek vot rwd kr idwqIgeI. ies mOky irtrinMg aPsrny sRI shoqf ƒ ijwq df srtIiPkytidwqf. iËkrXog hY ik ikrpflisMG shoqf AuqrI amrIkf ivchry trwkF vfly kr ky jfxy jFdyhn. jlMDr iËlHy dy bVf ipMz dy

rihx vfly hn. 59 sflF dy ikrpfl isMG shoqf 1971 ivc hI amrIkf cly gey sn.AuQy AunHF ny ivzlI kflj PrYËno ivc pVHfeI kIqI sI qy trwk zrfeIvrI ÈurU kr idwqIsI. ikrpfl isMG shoqf, ijhVy pfl shoqf dy nF nfl jfxy jFdy hn, AunHF ny 1978 ivcamrIkf ‘c rihMdy tuwt BrfvF nfl rl ky iek purfxf trwk KrIidaf sI. sMn 2000qwk AunHF kol 300 trwk ho gey sn qy 30 imlIan zflr df kfrobfr ho igaf sI.

amrIkf ‘c vI AunHF ny 1500 eykV qoN vwD ËmIn KrId ky AuQy aMgUrF qy bdfmFdI KyqI ÈurU kr idwqI. AunHF nOrQ amrIkf kbwzI aYsosIeyÈn dI sQfpnf kIqI sI qy1993 qoN amrIkf ivc kbwzI tUrnfmYNt krvfAuxy ÈurU kr idwqy sn. cox ijwqxdOrfn AunHF dwisaf ik prvfsI pMjfbIaF dIaF muÈklF ƒ pihl dy aDfr Auqy hwlkrnf hI AunHF dI pihl rhygI qy sfiraF ƒ nfl lY ky hI cwlxgy.

pfl shoqf aYn[afr[afeI[sBf pMjfb dy pRDfn bxy

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (15)

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bMgf (ibAUro): lyKk, pwqrkfr aYs[ aÈokBOrf aqy kÈmIr kOr BOrf dy puwqr mnvIr BOrf dyrmnIq kOr nfl ivafh mOky pRiswD klfkfrF nyivafh nUM swiBafcfrk myly df rUp dy idwqf. iesmOky gfiek srdUl iskMdr, amr nUrI, hrBjnmfn, mnmohn vfirs, suirMdr iÈMdf, sMsd mYNbrmuhMmd sdIk, nCwqr igwl, srbjIq cImf, pMmfzUmyvfl, dybI mKsUspurI, jsvMq sMdIlf, gulÈnkoml, pflI dyqvflIaf, hrbMs shoqf, ZfzI imlKfisMG mOjI, afqmf bwuZyvflIaf qy amn roËI, dIpiZwloN, rxjIq rfxf, bUtf muhMmd, XuwDvIr mfxk,lopoky bRdrË, jYsmIn jwsI, iProË Kfn ny gIqF rfhINhfËrI luaf ky nvIN ivafhI joVI nUM aÈIrvfd idwqf.sMq jIq dfs jI ny kIrqn nfl afeIaF sMgqF nUMinhfl kIqf. mMc sMcfln afÈU copVf qy suKjIq nykIqf. ies mOky aKbfr ‘ajIq’ dy sih sMpfdksqnfm isMG mfxk, sqvIr isMG pwlI iJwkI,ivDfiek aMgd isMG qy zf[ suKivMdr suwKI, suKdyvisMG BOr, avqfr isMG Èyrigwl, qrlocn isMGdupflpur, hrijMdr isMG jlMDr, ipRM[ srbx isMG,dIpk bflI, mwKx brfV, jsvIr guxfcOrIaf, bfbUisMG mfn, divMdr isMG ÈINhmfr, sfbkf mMqrI sohxisMG TMzl, sfbkf ivDfiek mohx isMG bMgf, zf[bKÈIÈ isMG, aYs[ afr[ klyr, ipRqpfl isMG bYNs,akfl afeI hspqfl jlMDr qoN zf[ blvIr isMG

aÈok BOrf dy puwqr dy ivafh ny DfirafswiBafcfrk myly df rUp

styj qoN suBfgI joVI nUM aÈIrvfd idMdy hoey phuMcy hoey klfkfr

suBfgI joVI dI iek XfdgfrI qsvIr.

BOrf, zf[ blbIr isMG (afm afdmI pfrtI), ajmyrisMG cfnf, rUp lfl DIr, dlbIr isMG kYNQ afidhfËr sn.

s[ divMdr isMG bYNs aqysrdfrnI mihMdr kOr bYNs nUM

s[ divMdr isMG bYNs aqy srdfrnI mihMdr kOr bYNs aYtlFtf (jfrjIaf)ivafh dI 52vIN vrHy gMZ ‘qy vfihgurU df sLukrfnf krdy hoey.

ivafh dI 52vIN vrHy gMZ dIlwK lwK vDfeI

vlo: jsvIr isMG bYNs-puwqr aqy rsLivMdr kOr (mnjIq kOr)-nUMhrslIn kOr, irpunIq kOr, drsLpRIq kOr (poqrIaF) qy rxjoD isMG bYNs-poqrf

suKivMdr kOr-DI aqy ieMdrpfl isMG-jvfeIkIrq isMG-dohqf aqy aMimRq kOr-dohqI

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (16)

25vIaF puryvfl KyzF ies vfr horvI XfdgfrI ho inbVIaF. ienHF ivcivdvqf dy burj, KyqI arQcfry dy DrUqfry, pdm BUsLn zf[ srdfrf isMG jOhlvI sLfml hoey. AunHF ny KyzF qy iKzfrIaFnUM slfhuMidaF ivhlVF nUM nsLy-pwqy Cwzky juwsy qkVy bxfAux df sMdysL idwqf.styj qoN pMjfbIaF nUM llkfiraf ik gPlq

dI nINd ‘coN jfgo aqy pMjfb df BivwKsMvfrn leI kmrkwsy kr lE. pMjfb nUMlotU isafsqdfnF, icwty kfly mfPIey qyirsLvqKor bfbUaF qoN bcfAux leI ‘lokaiDkfr lihr’ df sfQ idE, ijs df vwzfiekwT 29 mfrc nUM kotkpUry dI dfxf mMzIivc kIqf jf irhY.

Kyz myly qF pMjfb ivc bhuq lwgdyhn, pr hkImpur dIaF puryvfl KyzF dfnjLfrf vwKrf hI huMdf hY. inrMjx isMGXfdgfrI styzIam jgqpur dy bfhr gMnydy rs qoN lY ky jLfiekydfr jlybIaF qygrm krfry pkOiVaF qk sB kuJ huMdfhY. ienHF KyzF dIaF gwlF pihlF vI huMdIaFhn qy KyzF hox ipCoN vI swQF ‘c cldIaFrihMdIaF hn. ijvyN sMgIq ivc pitaflfGrfxy df nF hY, AuvyN KyzF ivc hkImpurdy puryvfl BrfvF df nF bx igaf hY.

dsvMD dyx df afpo afpxf slIkfhuMdf hY. hkImpur dy jMmy qy ibRitsLkolMbIaf (kYnyzf) ivc vsdy puryvfl BrfafpxI kmfeI df KuwlHy idl nfl dsvMDKyzF leI kwZdy hn. Auh afp qkVy iKzfrIrhy hn. hkImpur duafby df ieiqhfsk

ipMz hY. ies nUM iqMn gurU sfihbfn dy crnFdI Coh pRfpq hY. ieQy gurU nfnk dyv jIafey, gurU hir rfey jI ibrfjy aqy gurUqyg bhfdr jI pDfry. AunHF dI Xfd ivcieQy suMdr gurduafrf bixaf hoieaY.

jdoN puryvfl KyzF hoxIaF huMdIaFhn, AudoN AujfV pey jgqpur styzIamdy Bfg vI jfg AuTdy hn. pMjfb df Auh

pihlf pyNzU styzIam jgqpur dI pMcfieqIjLmIn `c pMcfieqI rfj Kyz pRIsLd dysYktrI jgqpurIey muKqfr isMG nybxvfieaf sI. ieQy puryvfl KyzF c ihwsflYNidaF aPrIkI mUl df pihlvfn zynIaliegflI ElMipk KyzF df cYNpIan bixaf.Auh kbwzI vI Kyzdf irhf. pMjfbIaF nyAuhdf nF qUPfn isMG rwKI rwiKaf.

1996 ivc jdoN mYN amrdIp kflj,mukMdpur df ipRMsIpl bixaf, AudoN df hIienHF KyzF dy aMg sMg ivcr irhF. aYqkIN28 PrvrI nUM hI hirafxf qy idwlI qk dypihlvfn hkImpur af Zuwky sn. mYN sYrnUM inkilaf qF imhnq kr ky muVdIaFpihlvfnF dIaF tolIaF twkrIaF. sLfm

dI son rMgI Dwup ivc AunHF dy sfDy hoeyjuwsy ilsLkF mfr rhy sn qy Auh puryvflFdy vHfeIt hfAUs vwl jf rhy sn. AuQy hIAunHF dI irhfiesL qy Kfxy df pRbMD sI.

styzIam ivc pMzfl lwg cuky snqy JMzy lihrf rhy sn. vfhy suhfgy qypfxI iCVk ky jmfey Kyz mYdfn Auqy sPYdlIkF vfhIaF hoeIaF sn aqy gurjIq isMG

Kud sB kfsy dI dyK ryK kr irhf sI.rMgdfr kuwjy kuwjIaF nfl trYk qy kbwzImYdfn dy dfiery isMLgfry hoey sn.

puryvfl kbwzI kwp df pihlf ienfm3 lwK rupey qy dUjf 2 lwK rupey df sI, jomYc brfbr rihx kfrn sLhId Bgq isMGklwb srhflf rfxUaf qy duafbf vfrIarjLsurKpur ivcfly ZfeI-ZfeI lwK vMizafigaf. lwKF rupey dy ienfm vfly ies Kyzmyly c pwcI hjLfr dI QYlI qy trfPI ‘mfqfsurjIq kOr puryvfl XfdgfrI purskfr’ipMz ckr dI kOmFqrI bOksr ismrnjIqkOr bfT nUM idwqf igaf. Aus dy muZly kocaqy sLyry pMjfb sports akfdmI ckrdy bfnI ipRM[ blvMq isMG sMDU df ivsLysL

snmfn kIqf igaf. imlKf isMG dfirkrz qoVn vfly aQlIt prmjIq isMGdf Aucycf snmfn kridaF jIp Auqy cVHfky styzIam df cwkr luafieaf igaf.

myrI pusqk ‘KyqI arQcfry df DrUqfrf zf[ srdfrf isMG jOhl’ puryvflKyzF dI ipafr insLfnI vjoN ivsLysL mihmfnFnUM Byt kIqI geI. pMzfl, kursIaF, mIzIey,sfAUNz, Poto qy iPlmF dy KricaF nflgwzIaF dI pfrikMg leI kxkF vZf kyKflI krvfey KyqF df muafvjLf idwqf igaf.KyzF dy rYPrIaF, aMpfierF qy kumYNtytrFdy zI[ ey[, tI[ ey[ sn aqy PutklKricaF df koeI aMq nhIN sI. sB kfsy`qy 50 lwK rupey qoN vwD dy Krcy afey.

svrgI hrbMs isMG puryvfl dIqsvIr qoN prdf htf ky puryvfl KyzF dfAudGftn kIqf igaf. afkfsL ivc amndy pRqIk kbUqr Auzfey gey qy gubfry Cwzygey. ZolIaF ny ZolF ‘qy zwgy lfey qy nflhI kusLqIaF sLurU ho geIaF. dUroN nyiVENafey pihlvfnF dI igxqI eynI vwD sI ikdo QFvF qy ivCfey gwidaF ‘qy do idnF ivcsO qoN vwD kusLqIaF hoeIaF.

hlt dOVF dy mukfbly ivc bldF dIaFeynIaF joVIaF sn ik zUMGI sLfm qkmukfbly huMdy rhy. bYl gwzIaF dIaF dOVFivc vI sLfm qk grdF AuzdIaF rhIaF.rwsfksLI df mukfblf luhfr mfjrf dItIm ny ijwiqaf. aQlIt trYk Auqy dOVdyrhy aqy gqkf Kyzx vfly trYk aMdrqlvfrF dy jOhr ivKfAuNdy rhy. AunHF dynIly bfxy qy kysrI kmrkwsy Kyz mylyivc vwKrf rMg Br rhy sn. koeI bfjLIgrGMzI dy jLor nfl srIaf dUhrf krdf qykoeI bldIaF lftF ivc dI lMGdf. koeIGMitaF bwDI zMz bYTkF hI kwZI jFdf.

mylIaF dIaF rMg brMgIaF pwgF ny

rMgF dI guljLfr iKVf idwqI sI. Auh njLfrfkmfl df sI, jdoN iek bMny Zol vwj rhysn, GoVIaF nwc rhIaF sn aqy dUjy bMnyinhMg isMG nyjLfbfjLI kridaF ikwly puwtrhy sn. iek inhMg do GoiVaF ‘qy pYrrwKI GoiVaF nUM hvf bxfeI jf irhf sI.iek pfsy kusLqIaF dy ByV ho rhy sn qydUjy pfsy kbwzI dy jwPy lwg rhy sn. nfldI nfl KyzF dI kumYNtrI gUMj rhI sI.

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puryvfl KyzF `c zf[ srdfrf isMG jOhl vwloN pMjfbIaF nUM llkfr

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BfeI apfrdIp isMG

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21 mfrc 2020 (sincrvfr)sLfm 7:15 qoN 8:30 vjy qwk

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (17)

afAux vflIaF SRS gurduafrf pRbMDk kmytI coxFleI inrpwK syvk AumIdvfrf dI jfx-pCfx

syvfdfr*pRgqIsLIl *guxvfn *nvIN aqy purfxI pIVHI

ivc nyVqf df sumyl *sFJIvfl*BfeIcfry dI syvf leI vcnbwD ieh pRgqIsLIl tIm

votF 5 aprYl 2020 nMU pYxgIaF

#6 srvx isMGpMQk pRdrsLk. bhuq dUr qk phuMc. kYNp iswK ivrsf dy

moZIaF ivcoN iek aqy 1990ivaF qoN byGiraF leI aMn-pfxIdf pRbMD krn ivc mohrI. iswK jfgrUkqf aqy pCfx pRogrfmFdI agvfeI: XfdgfrI idvs smfgm aqy sMsfr jMgF ivciswKF dy Xogdfn bfry smfgm. aYs[ afr[ aYs[ nMU sflvysLnafrmI lfeIPtfeIm acIvmYNts aYvfrz hfsl krn ivcmdd aqy “myikMg ey izPrYNs aYvfrz” hfsl kIqf.

borz afP trstI (bI[ E[ tI[)#2 nfnkI kOr

nOjvfn aqy amrIkf dI jMmpl. pihlF hrpRIq kOr vjoNjfxI jFdI, nfnkI kOr sfbkf bI[ E[ tI[ svrgI s[ hrjIqisMG iZwloN jI dI spuwqrI hn. nrisMg aqy afeI[ tI[ leI pMjsfl qoN kMm kfrn qoN pihlF gurduafrf sfihb ivKy kr syvfkrdy af rhy hn. Auh gurduafrf sfihb pYlftfeIn aqy vHItnivKy qMqI sfËF dI isKlfeI vI idMdy hn. ies vyly Auh gurduafrfsfihb dy afizt tIm dy cyar prsn vI hn.

#4 zf[ amrjIq isMGaYs[ afr[ aYs[ ivc mYzIkl kilink ÈurU krn df ishrf

ienHF nUM jFdf hY aqy awj qwk ipCly vIh sflF qoN inrMqr syvfinBf rhy hn. ieh nOjvfn qy bjurgF dy kMmF ivc aqy ishqbfry jfxkfrI ivc Kfs idlcspI rwKdy hn. buwDvfr nUM rwKy geybjurgF dy pRogrfmF ivc inrMqr lYkcr dy ky Xogdfn pfAuNdyhn. Auh hmyÈf loV pYx ‘qy Pon rfhIN vI afpxI slfh loVvMdnUM idMdy hn. ieMzIan mYzIkl aYsosIaYÈn, ielInfey dy sfl2005 ivc pRDfn vI rih cuky hn.

#5 zf[ jsvIr kOr isMGsmfj BlfeI kMmF leI hmysLf iqafr aqy Kfs slfhkfr.

1990ivaF qoN aYs[ afr[ aYs[ dy nOjvfn kfrkun. Auh kYNpFaqy aYs[ afr[ aYs[ ivc iswK ieiqhfs, gurmiq aqy gqky dIisKlfeI idMdy hn. Auh mfnisk qy srIrk ishq, iswKnYtvrikMg, aMqr-Drm, vwizaF leI sYrF afid ijhIaFBfeIcfrk XojnfvF df pRbMD krdy hn. aYs[ afr[ aYs[ dIaFaYzhfk aqy lMmy smyN vflI Xojnf kmytIaF leI syvf krdy hn.sMsfr Br `c mYzIkl imsLnF qy afPLq rfhq leI vflMtIarvjoN syvf krdy hn.

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sI[ afeI[ sI[#1 zf[ prdIp isMG igwl

borz afP trstI (bI[ E[ tI[) leI:1[2[ nfnkI kOr3[4[ zf[ amrjIq isMG5[ zf[ jsvIr kOr isMG6[ srvx isMG7[8[

sI[ afeI[ sI[ leI:1[ zf[ prdIp isMG igwl2[

nOjvfnF, vwizaF aqy aOrqF dI numfieMdgI.sMgq ivc ipafr ieqPfk aqy myl-joldy hfmI. afm afvfm ivc iswKI dI pCfxleI purjLor imhnq leI Audm.

Page 18: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (18)

mYƒ hr mhIny ivafhF dy swdf pwqrafAuNdy hn pr qyË rPqfr iËMdgI ivcienHF sfry ivafhF ivc Èfiml hox vfsqyguMjfieÈ hI nhIN huMdI aqy hux jy mYN iksyivafh ivc Èfiml huMdf vI hF qF isrPiek-do GMty leI hI. AuNj, 1945 df iekivafh mYƒ awj vI cMgI qrHF Xfd hY ijsivc mYN lgfqfr cfr-pMj idn Èfiml hoky hux qwk iehdIaF rsmF aqy KuÈIaFƒ afpxIaF KUbsUrq XfdF ivc sMBfilafhoieaf hY.

ieh ivafh myrI BUaf dy vwzy puwqrdf sI. ivafh qoN do idn pihlF sfrI rfqijvyN nINd myrIaF awKF nfl ruwsI rhI sI.nINd qoN bfhr-bfhr hI axigxq suPnymyrIaF ieCfvF nfl lukxmIcI Kyzdy rhy.svyry BUaf dy ipMz aqy awgy brfq ivcjfx leI cfa mn `c ijvyN CUhx-CulHfeIaF Kyzdy rhy.

svyry nfnkI Cwk leI gwzy `qy bihigaf, BfvyN mYƒ bhuq ikhf igaf ik mYNQwly Auqr afvF, ajy gwzy nhIN qurnf prmYN dovF hwQF nfl Guwt ky PVI gwzy dI vlInf CwzI. myrI iËwd awgy Juk ky myry cfcyny gwzy qy hI mYƒ afpxI psMd df Kfxf,mwkI dI byhI rotI qfËy dhIN ivc cUr ky,iKlfieaf aqy asIN gwzy qy BUaf dy ipMzƒ cwl pey.

myrf cfcf sfry nfnkf myl dIagvfeI kr irhf sI. cfcf qy cfcI GroNinrny hI qury sn aqy AunHF ny BUaf dy ipMzjf ky hI kuJ Kfxf pIxf sI. rfh ivc cfcI,cfcy dIaF kuVIaF aqy BfeIcfry coN imlxvrqx vfly pirvfr dIaF nfl afeIaFkuVIaF qy vhutIaF hfsy mKOl krdIaFrhIaF. KuÈIaF aqy hfisaF Bry ies mfhOlivc asIN ijvyN bhuq CyqI bUihaF `qy bwJyaMb dy pwiqaF vfly qy swjry Pyry pFzU vflyBUaf dy Gr phuMc gey.

BUaf dy Gr phuMc ky cfcy ny rwsIivc TUTIaF pro ky qxI bMnHx dI rsmkIqI aqy BUaf dy ipMz dIaF kuVIaFvhutIaF ny gIq Coh ley:

AuT vy srvxf suwiqaf

mfmy qyry vy afey!mfmIaF kfnHF dIaF gopIaFmfmy kfnH ju afey!ieh gIq Kqm hoieaf qF AunHF ny

iswTxIaF CyV leIaF:awj ikDr geIaF vy srvxFmfmIaF qyrIaFawigEN sfzy nfnk myl ny vI qurMq

jvfb idwqf:asIN hËfr-nfËr vy srvxFmfmIaF qyrIaF.Pyr glI mhwly dIaF iesqrIaF ƒ

ivKfAux vfsqy nfnkI Cwk rwKI geI ijs

ivc BUaf dy puwqr, ivaFdV muMzy leI joVf-jfmf, BUaf jI, AuhdI lVkI, sws qydrfxIaF jTfxIaF leI kwpVy, iek sOruipaf nkd, nvIN ivafhI afAux vflI kuVIleI qvIqF df KUbsUrq hfr Èfiml sI.nfnkf myl ny gIq ÈurU kr ilaf:

vyK lE loko nfnkI Cwk!beI nfnkI Cwk!!mfmy ny Dr idwqy sO `qy swT!!!awigEN dfdkIaF ny vI jvfb ivc

gIq Coh ilaf:nfnI qF kMjrI ny crcf nf zfihaf,qMd nf pfieaf,ivhVf nf Cfieaf,nwk vZfieaf,sfzI qF bMnI ny crKf vI zfihaf,ivhVf vI Cfieaf, qy nwk rKfieaf.nyVy hox krky BUaf dy ipMz asIN

Cfh vyly hI phuMc gey sI aqy dupihryipMz dy nyVy KUh qy cwldy cVs vfly clHyivc asIN nhfqy. svyry brfqy jfx dy cfaivc iewt dy roVy nfl rgV-rgV ky pYrFdIaF awzIaF dI asIN mYl AuqfrI aqyÈfm ƒ myrI pwg smyq keI pwgF Joly ivcpf ky BUaf df Cotf puwqr nyVy dy ksbyivc jf ky pYdl hI pwgF rMgf ilafieaf.

rfq ƒ rotI Kfx qoN bfad igwDy dIDmk nfl BUaf df lMmf-cOVf ivhVf aqyivhVy `c lwigaf inMm df ibrC ihwlxlwg ipaf. afly duafly mkfnF dy bnyiraFqoN nIhF qwk hfsy, TwTy, KuÈIaF qy rOxkFCfeIaF hoeIaF sn.

igwDy dIaF bolIaF nfl vfqfvrnbhuq hI Bfvuk qy rumFsmeI bx igafsI. sfzy myl ny dfdkIaF qy bolIaF rfhINbVy iqwKy vfr kIqy pr BUaf dy ipMz dIaFiesqrIaF ny AunHF dI pyÈ nf jfx idwqI.AunHF ny ivaFdV muMzy dI mfmI ƒ mohry

lf ilaf:mfmf bih igaf hwt `qy,mfmI Dr leI pwt `qy,lfh suwt vy koeI TwTf krUgf.cuwp kr nI koeI hor suxUMgf.dUjy idn svyry qVky cfr vjy gIqF

ny myrIaF awKF qoN nINd dIaF qlIaF AuTfidwqIaF, iesqrIaF gf rhIaF sn:

aFgx icwkV ikn kIqf vyikn zoilHaf pfxI?bfby df poqVf nHfvy vyAus zoilHaf pfxI.kOx ju gFZU iqlikaf vy

ZUhI geIE ilqfVI.sdo AuhdI jorU ƒkry qwqVf pfxI.

ivaFdV muMzf ptVy `qy bYTf nhfirhf sI. mihrI pfxI pf rhI sI, vtxfDoqf jf irhf sI, cfr kuVIaF cfry kMnIaFqoN PV ky cMdoaf qfxI KVHIaF sn. eyscMdoey nfl hI nhf ky srvx ny afpxfijsm pUMiJaf qy Auhdy mfmy ny cONkI awgypeIaF TUTIaF pYrF nfl BMnIaF qy TUTIaFivc rwKy pYsy lfgI ƒ dy idwqy gey. srvxdy nhfAux qoN pihlF pihly kpVy nfeI nylY ley sn aqy nhfAux ipwCoN srvx ƒAuhdy mfmy vloN ilaFdf joVf-jfmfpihnfieaf igaf.

iesy smyN mYƒ vI PV ky isrbfhlfbxf ky nuhf idwqf igaf aqy Pyr sfzydovF dy ishry bMnH idwqy gey. BfbIaF nysrvx dIaF awKF ivc surmf pf ky pYsyley, BfeIcfry ivcoN iesqrIaF ny slfmIaFpfeIaF aqy Pyr iesqrIaF dI BIV awgysrvx ƒ gurduafry mwQf itkfAux leIilaFdf igaf. BUaf dI DI, srvx dI BYxaqy myrI BYx ny Auhdy sfPy dy lV dIieMjVI PVI hoeI sI. ipCoN srvx ny AunHFƒ ieMjVI PVn df iek-iek rupeIaf idwqf.

AuDr bYl gwzIaF ivc brfqI bYTyhoey sn, qkrIbn sfry brfqIaF nykflIaF, sMdlI, mUMgIaf, AunfBI, tsrIqy hor keI rMgF dIaF pwgF bMnH ky mFzInfl akVfey qurly pwgF qy KVHy kIqy hoeysn. BUaf dy Coty puwqr joigMdr ny afpxyisr `qy bMnHI KUbsUrq qurlI vflI pwgmyry isr qy vI sjf idwqI sI aqy myrf vIcMgf tOrH kwZ idwqf sI.

gurduafry mwQf itkf ky srvx ƒlfl bUitaF nfl sjy JuMbr vfly rwQ ivcibTf idwqf igaf. mYƒ vI PuwPV jI ny rwQivc bYTx vfsqy Ëor idwqf pr mYN cfcynfl bYl gwzI ivc bYT igaf.

ipMzoN bfhr inkldy sfr gwzIaF dIdOV ÈurU ho geI. bldF dy isMgF duaflyrMg-brMgy pgty lpyty hoey sn aqy AunHF`qy rMg-brMgy Juwl idwqy hoey sn. mwiQaF`qy AunHF dy KUbsUrq muKyrny ishiraF vFgsjy hoey sn. sB bldF dIaF ZwTF iekpfsy ƒ AultIaF hoeIaF sn aqy Auh qyËqoN qyË dOV rhy sn.

ies dOV ivc sfzI gwzI dI dVI tuwtgeI aqy gwzI df hyTlf ihwsf ËmIn nfllwg igaf. Ëbrdsq Jtky nfl mYN ËmIn

`qy izwg ipaf qy myrI KUbsUrq qurlI vflIsMdlI pwg lIhF qy Duwdl ivc jf izwgI.joigMdr ny myrI pwg aqy cfcy ny mYƒ

cuwikaf, kwpVy imwtI nfl ilbV gey snpr swtF iksy dy nhIN sn lwgIaF.

awgy jf ky rfh ivc PuwPV jI dynfnikaF df ipMz afAuNdf sI. PuwPV dynfnky aqy AunHF df BfeIcfrf rfh qy KMzduwD df Èrbq qy cfh iqafr krky sfzIAuzIk kr irhf sI qy AunHF ny sfzI cMgIsyvf Kfqr krky awgy jfx idwqf.

brfq ivafh vfly ipMz dy bfhr kuJPfsly qy Tihr geI. vfjy vfilaF ny vfjyivc PUk mfr ky brfq dy phuMc jfx dIsUcnf agilaF ƒ idwqI. agly pfisENnfeI ijs ƒ asIN rfjf khFgy, ny hrItihxI PV ky PuwPV jI ƒ vDfeI idwqI.ipMz dI pMcfieq imlxI vfsqy iqafr KVHIsI. imlxI vfly 'sQfn` qy asIN phuMcy qFagly pfisEN ZolkI CYixaF vfilaF ny'hm Gr sfjn afey` dy Èbd df AucfrnÈurU kr idwqf.

AuprMq ivcoly aqy rfjy ny nvyN kuVmF

ƒ imlxI dy ipV dy ivckfr lY aFdf.kuVI dy ipAu ny PuwPV jI dy gozIN hwQlfieaf aqy rfjy ny prfq `c rwKI pwgPuwPV jI ƒ ByNt kIqI. ipwCoN ievyN hIivaFdV muMzy dy bfby, qfey aqy mfmy dIaFpwgF nfl imlxIaF-ivaFdV kuVI dy bfby,qfey qy mfmy ny kIqIaF. rfjy ny Qfl ivcKMz ilaFdI aqy sB swjxF ny Qfl ivcoNiek-iek cutkI KMz dI Br ky mUMh ivcpfAux df Ègn kIqf. kuVIaF-vhutIaFny imlfp dy KUbsUrq gIq gfey.

imlxI qoN bfad sfƒ zyry ilaFdfigaf. ieQy sfzy leI mMjy ibsqry iekwTykrky rwKy hoey sn. asIN mnpsMd mMjyibsqry mwl ley. ivafh vfly GroN ipMzdy muMzy vltohIaF ivc brfq leI duwDKMz df rUhikAUVy rilaf Èrbq aqy cfhpIx vfilaF leI cfh lY afey. ipwql dyQflF ivc pf ky sfƒ bdfxf vI vrqfieafigaf.

rfq ƒ asIN brfq nfl ivafh vflyGr Kfxf Kfx gey. brfq sfzI dI bhuqlMmI kqfr sI, zyry qoN Gr qwk. Gr icwtykory ivCf ky ipwql dy Jm-Jm krdy Qflsfzy awgy rwK idwqy gey. rfjy ny ienHF ivcsfPf Pyr ky ienHF ƒ ijvyN hor cmkf idwqf.ipMz dy nOjvfnF ny bhuq hI zUMGI ÈrDfaqy ipafr nfl Kfxf vrqfieaf. Kfxy ivcmfhF dI dfl, hlvy kwdU dI sbËI, Kwtfaqy CuhfiraF dI cwtxI Èfiml sI. imwTyKfxy vjoN kVfh aqy cOl vrqfey gey.afly-duafly bnyiraF Auqo N iekdmKUbsUrq gIq gUMj AuTy:

qusI gYs jgf idE jIvIr jI kuVm ny nHyrf kIqfsB gYs buJf idE jIvIr jI kuVm bYtrI vrgf

---lfiVaf aMmf ikAuN nf ilafieafvy qUM awj dI GVIbIbI kIkx ilafAuNdfAuhƒ jMmI sI kuVIsfzy PuwPV jI bhuq hI KUbsUrq rUh

vfly suihrd iensfn sn, Auh iehiswTxIaF sux-sux ky bhuq KuÈ ho rhysn. brfq Kfxf Kf htI qF kuVIaF ny iPrgIq ÈurU kr idwqf:

brfq Kfxf Kf ley jI sjnoN,clo afpxy zyry.agly idn qVky ivaFdV muMzy ƒ

AuTfl ky nuhfieaf igaf aqy asIN sfiraFny vI ieÈnfn kIqy. AuprMq zyry qoNivaFdV kuVI vfsqy suhfg ptfrI ByjIgeI ies ivc gihxy, suhfg dy kwpVy aqyiÈMgfr df smfn Èfiml sI.

rfq vFg zyry hI sfƒ ÈIrnI bdfxynfl svyr dI cfh idwqI geI. ds ku vjybrfq afnMd kfrjF vfsqy kuVI vfilaFdy Gr phuMc geI. loVIdIaF Dfrimk qysmfijk rsmF AuprMq muMzy kuVI ƒ sRIgurU gRMQ sfihb awgy ibTf ky lfvF dfpfT kIqf igaf. pfT dy nfl-nfl muMzy ƒawgy aqy kuVI ƒ ipwCy krky sRI gurU gRMQsfihb duafly cfr Pyry idwqy gey. kuVI dykrIbI pirvfrF dy nOjvfnF ny PyiraF vylyivaFdV kuVI ƒ gol lfeIn ivc KVHy hoky shfrf idwqf.

ivaFdV kuVI dI mF ny llyr aqymuMzy kuVI ƒ pMj-pMj rupey df Ègnpfieaf, PuwPV jI ny vI ivaHFdV muMzy kuVIdy isrF AuqoN pYisaF vflI QYlI vfr kyAunHF dIaF JolIaF ivc pMj-pMj rupey dyÈgn pfey. kuVIaF vhutIaF ies smyNiswTxIaF dyx lwg peIaF:

borI vfrI KflI borI,ivc rupeIaf heIE nf!

(bfkI agly sPy ‘qy)

AuWnI sO pMqflI df iek ivafhiewkIvIN sdI dy do dhfikaF qk awpVidaF pMjfb ivc ivafhF df rMg-rUp bhuq bdlirhf hY. ipCly pMdrF-vIhF sflF dOrfn qF ivafhF df ieh rMg-rUp bhuq qyËI nflbdilaf hY. s[ mihMdr isMG dosFJ ny afpxy ies lyK ivc 1945 dy iek ivafh df icwqriKicaf hY aqy Aus smyN kIqIaF jFdIaF rsmF bfry ivsQfr sihq crcf kIqI hY. pfTkaMdfËf lf skdy hn ik ËmIn afsmfn df Prk pY igaf hY. awj ivafhF aMdr idKfvfpRDfn ho igaf hY. -sMpfdk

brfq ivafh vfly ipMz dy bfhrkuJ Pfsly `qy Tihr geI. vfjyvfilaF ny vfjy ivc PUk mfrky brfq dy phuMc jfx dI sUcnfagilaF ƒ id wqI. aglypfisEN nfeI ijs ƒ asIN rfjfkhFgy, ny hrI tihxI PV kyPuwPV jI ƒ vDfeI idwqI. ipMzdI p Mcfieq imlxI vfsq yiqafr KVHI sI. imlxI vfly'sQfn` qy asIN phuMcy qF aglypfisEN ZolkI CYixaF vfilaFny 'hm Gr sfjn afey` dy Èbddf Aucfrn ÈurU kr idwqf.AuprMq ivcoly aqy rfjy ny nvyNkuVmF ƒ imlxI dy ipV dyivckfr lY aFdf. kuVI dy ipAuny PuwPV jI dy gozIN hwQ lfieafaqy rfjy ny prfq `c rwKI pwgPuwPV jI ƒ ByNt kIqI. ipwCoN ievyNhI ivaFdV muMzy dy bfby, qfeyaq y mfm y dIaF p wgF nflimlxIaF-ivaFdV kuVI dybfby, qfey qy mfmy ny kIqIaF.

mihMdr isMG dosFJ

Page 19: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (19)

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lfVy ny mfrI kUhxI,borI ho geI AUxI!hfey Eey sfilaf pYisafmYN msF msF joiVaf sI.qy Pyr iek hor gIq gf ky kuVIaF ny

sfrI brfq ƒ ijvyN KuÈ kr idwqf:qUM myrf ivhVf sjfieaf jIrMg rwiqaf kfnHf.PyiraF qoN ivhlI ho ky bfrq muV

zyry phuMc geI aqy zyry qoN kuJ bMdy vfjynfl muV kuVI dy Gr ƒ vrI lY ky afey.vrI df smfn ijs ivc ivaFdV kuVI leIgihxy aqy kwpVy Èfml sn, QflF ivciKlfr ky ilaFdI geI vrI ivc kuVI leIgUVHy rMg df sUt vI sI ijs ƒ sUhy sosnydf nfm idwqf igaf sI. vrI vflf KflItrMk cuwk ky sfzf rfjf ipwCy-ipwCy afirhf sI.

vrI duafly ipMz dIaF kuVIaFvhutIaF df Jurmt vrI dyKx leI juVigaf. ieQy vI kuVIaF ny iswTxIaF ÈurUkr idwqIaF:

swsU dy gihxy Kwty puafey,Kwty puafey sfzI bIbI ƒ afey,bIbI sfzI dy psMd nf afey.sfmHxI kMD `c kwZdI aF aflfsws dI GwgrI jTfxI df nflfieh gwl bxdI nhIN bylwijElwj quhfƒ nhIN.vrI idKf ky muV zyry af ky asIN

sfiraF ny bdl ky nvyN kwpVy pfey aqymuV ky qurilaf vflIaF nvIaF pwgFbMnHIaF. ienHF pwgF dy mym sMDUrI, kMjrmUMgIaf, qylIaf, nsvfrI, tsrI, AunfBI,gulfnfrI aqy hor keI qrHF dy vMn-svMnyrMg sn.

dupihr dy Kfxy vyly jdoN brfq Gr

ƒ afeI qF vfjy vfly susq cfly qur rhysn. ieMj Auh nÈy dy GoiVaF `qy cVHybrfqIaF qoN vwD qoN vwD rupey mFTx dIiewCf nfl kr rhy sn.

dupihr dy Kfxy ivc Èfndfr dflFsbËIaF qoN ibnF brfq ƒ lwzU jlybI vIpfeI geI. ies ƒ 'imwTf Bwq` df nfmidwqf igaf sI.

dupihr df Kfxf Kf ky zyry phuMcy qFAuQy nklF df aKfVf jMm igaf. nklFivc do ncfrF- KrV awCrovfl dy ikRÈnaqy ZfhF dy sohx ny rMg bMnH idwqy. sohxny 'gorI dIaF JFjrF bulFdIaF geIaF'vflf gIq gfieaf qF brfqIaF dIaF jybFvylF krf-krf ky lwgIaF AUxIaF hox.PuwPV jI kihMdy sn ik mYƒ imQ ky koeIhsf nhIN skdf pr jgq purIey cMnx nynvIaF-nvIaF mÈkrIaF nfl hsf-hsfky AunHF dy iZwz pIVF pvf CwzIaF.

rfq dI rotI vyly brfq Gr afeI qFÈrfb dI vfÈnf ijvyN hvf ivc iKlr geI.PuwPV jI Gr dI kwZI Èrfb df iek ibafmgwzI ivc rwK ilafey sn pr ieh ÈrfbpI ky nf koeI brfqI izigaf, nf iksy ƒmMdf boilaf, kyvl vfÈnF qoN ibnF iksyswjx dy Èrfb pIx df koeI sbUq nhIN sIiml irhf.

rfq ƒ Pyr duwD icwty koiraF qy ibTfky brfq ƒ ipafr nfl Kfxf Kuafieafigaf. kuVIaF ny ies vyly vI iswTxIaFrfhIN afpxIaF BfvnfvF jLfihr krn dfmOkf nf KuMJfieaf:

ipwql df CMnf ikwkr qoN lfihafirhf k uafrf sfz y ivcol y n y

ivafihaf,ivcoly dI bolI shIN vy lfiVaf,ivcoly dI bolI shIN.pr nfl hI ienHF kuVIaF ny iek hor

gIq rfhIN afpxy BrfvF ƒ akl BrIhdfieq vI kIqI:

Gr afieaF swjxf ƒ vIr jIafdr nfl bulfieE!brfq dy qIjy idn svyry Pyr zyry

khyN dIaF plytF ivc ÈIrnI bdfxf pfky kuVI vfilaF vloN sfƒ cfh iplfeIgeI. cfh pI ky PuwPV jI ies ipMz ivcafpxy ipMzoN ivafhIaF do kuVIaF ƒ pYsydy ky iDafxIaF mMnx vfsqy cly gey.ipwCoN brfqI afpxy zMgrF, PslF aqyrsmF irvfjF dIaF gwlF krdy, gwpFmfrdy rhy.

iek vfr Pyr brfqIaF ny bdl kynvyN kwpVy pfey aqy dupihr dy Kfxy leIiqafr ho gey. brfq df kuVI vfilaF dyGr ieh afKrI Kfxf sI aqy ies Kfxy dyivlwKx hI rMg sn. ies Kfxy ivc spYÈldflF sbËIaF qy ctxIaF qoN ibnF ÈuwDbfsmqI dy Aubly cOlF qy kuwitaf hoieafbUrf qy dysI iGE pf ky proisaf igafsI. bnyiraF `qy bYTIaF kuVIaF qyvhutIaF ny iqwKIaF iswTxIaF rfhIN iËMdgIdf swc sfhmxy ilaFdf:

awj qF Kf lY kuVmF lwzU df pyVf,Blky Kf leI ToNsf,sfilaf hor lY, hor lY,qyrI gwl koeI nHIN suxdf.

---kuVm cfr prfqF lwzUaF dIaF Kf

igaf,ajy Jfkdf bUMdI ƒ.dupihr df Kfxf Kf ky brfqIaF ny

zyry af ky QoVHf icr afrfm kIqf aqyGroN Kwt leI swdf af igaf. brfq dybhuq sfry bMdy Gr Kwt dyKx leI afeysn. Gr df vwzf dlfn Kwt dI smwgrInfl Jlmx-Jlmx kr irhf sI.

Kwt (dfj) ivc bfËfroN pYsy nfl KrIdky mihMgIaF cIËF nhIN sn rwKIaF geIaF;iehdy ivc bhuqf smfn, ijvyN brfq ƒdwisaf igaf, kuVI ny hwQIN iqafr kIqf

hoieaf sI. icwtIaF cfdrF qy kwZy rMg-brMgy PuwlF rfhIN kuVI ny afpxy hwQF dIklf ƒ BivKF qwk sjIv kr idwqf sI.pwKIaF aqy isrhfixaF qy kwZIaF anupmbUtIaF ivc buxy Aus dy axigxqKUbsUrq suPny BivK ivc iËMdgI dIsuKfvIN vfÈnf nfl Bry-Bry mihsUs horhy sn. shury Gr dy bldF leI ÈfndfrmuKyrny Kwt ivc Dry gey sn. iek ptfrIivc gihxy aqy iek pfsy kuVI dI vrqoNvfsqy loVINdy BFzy rwKy gey sn.

iek hor pfsy PulkfrIaF sjfeIaFgeIaF sn. ienHF ivc cop aqy suwBr sn.lfgIaF afid leI iql pwqrf PulkfrIaFpeIaF sn. nIlk qy GuMgt bfg dI afpxIinrflI hI Èfno-ÈOkq sI. qkrIbn pMjfhbfg aqy PulkfrIaF ieQy peIaF sn. iekpfsy prfq ivc gihxy aqy iek sO iekrupey dI nkd rkm rwKI geI sI.

PuwPV jI ny ivÈflqf idKfAuNidaFikRqwgqf pRgt krn leI iqAurF df lVmoV idwqf aqy rupweIaF dI prfq cuwk kyisr `qy rwK leI. sfry lok DMn-DMn krAuTy. eyzy vsIilaF vflf cldf puwjdf jwtaqy eyzI inmrqf, dyKx vfilaF dIaFawKF Br afeIaF. ikwzf mfx siqkfridwqf sI s[ qfrf isMG ny afpxy kuVmFƒ! AunHF leI qF AunHF dI DI df eyzy rMgivc jfxf hI bhuq vwzI gwl sI.

brfq dy bfkI bMdy zyry ƒ cly gey.ivaFdV muMzy ƒ aqy isrbfhlf hox krkymYƒ Gr Tihrf ilaf igaf. kuVIaF qyvhutIaF ny srvx nfl KUb CyVKfnI kIqI.iek kuVI ny plMG 'qy bYTy hI AuhdI kmI˃ ibsqry dI cfdr nfl bksUaf lf kyjoV idwqf. jd Auh AuT ky quiraf qFkuVIaF iKV-iKVf ky hws peIaF. iekkuVI bolI: "srdfr jI, sfzI kuVI qFiljfxI aF, qusIN qF sfzy mMijaF qoNibsqry vI lY cwly aF."

AuWnI sO pMqflI[[[ iek hor qkVI ishq vflI kuVI nymYƒ swqF ku sflF dy ƒ kuwCV cuwk ilafaqy myrI KwbI nfËuk KfK `qy polI ijhIcUMZI vwZ ky bolI- "kuVy isrbfhlf qFdyKo cypU ijhf! mUMh bxf ky bYTf ijwdF GfxI`c lwq mfrIE hovy. hYhf mF ibnF Audfsho igaf hoxf." kuVIaF dy mKOlF nflsrvx dI qrsXog hflq krky mYNswcmuwc Audfs ijhf ho igaf sI. kuVIaFTIk hI soc rhIaF hn.

Pyr kuVI dy mfmy ny kuVI ƒ cuwk kyroNdI kurlfAuNdI ƒ zoly ivc ibTf idwqfaqy awgy chuM jixaF ny zolf bfhr ilafky kuVI ƒ muMzy dy nfl rwQ ivc ibTf idwqf.nfl hI kuVI df Cotf vIr aqy nfiex vIbih gey.

PuwPV jI ny sO-sO ruipaf ipMz dyskUl aqy gurduafry ƒ PyiraF vyly hIdfn kr idwqf sI. hux qurn lwigaFlfgIaF ƒ lfg dyx dIaF rsmF adfkIqIaF geIaF.

brfq ipMz phuMcI qF nHyrf ho cuwikafsI, BUaf jI dIvf lY ky nUMh puwqr ƒ rwQivcoN lYx afey aqy jdoN Auh drvfËy ivcafey qF drvfËy dIaF muwKF nfl dysI qylcoa ky BUaf jI ny swq vfrI ƒh puwqr dyisrF qoN vfr-vfr ky pfxI pIqf.

kuMB df Ègn krky ivaFdV joVy ƒaMdr lMGfieaf igaf qy iek plMG `qycVHdy vwl mUMh krky ibTfieaf igaf. BUafjI ny AunHF ƒ hwQIN duwD iplf ky AunHF dfmfx kIqf. BfeIcfry dIaF iesqrIaF nyvhutI ƒ Ègn pfey aqy BUaf jI ny isMGqvIq qy hOldrI pihnfeI.

ies qoN bfad goqknfly dI rsmhoeI aqy nvIN vhutI ƒ rfq Br ËmIn qyhI sulfieaf igaf. sfrI rfq leI Auhdykmry c dIvf jgdf rwiKaf igaf.

ieAuN 1945 dy ivafh dIaF rsmFisry cVHIaF.

(ipCly sPy dI bfkI)

Page 20: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (20)

kflm ‘afK qsvIrF boldIaF’ ny pfTkF dy idlFaMdr bYTy Èfier nMU KUb hlUixaf hY. qsvIr dyK kyquhfzy mn ivc jo vlvly AuTdy hn, Auh kivqf dIaFdo qoN cfr sqrF `c sfnUM qsvIr dy isrlyK dy qOr `qyByjo. pfTkF dI shUlq leI, imsfl vjoN Poto nfl kfivtotf vI idwqf igaf hY. ies vfr kYpsLn Byjx leIafKrI qfrIK 21 mfrc 2020 hY. -sMpfdk

afK qsvIrF boldIaF

kYpsLn mukfblf-419

kYpsLn mukfblf-421

‘iltl trbl’ dI tI Èrt pfeI,bixaf hY Cotf bdmfÈ.Puwldfr kMbl dI buwkl mfrI,afKy, mMmI qUM mYnUM qlfÈ.Jfqy mfeIaF hux Kyzx lwgf,muV muV luk pfAuNdf Jfq.axBol Aumr dIaF ny KyzF,hY jIvn Br leI sOgfq. -syvf isMG nUrpurI

---Bolf ichrf, mn hY cMcl,Èrfrq krn nUM jIa llcfvy.BkfeI krfvx Kfqr mF dI,lukx Cupx dI skIm bxfvy. -jgmIq isMG pMDyr ipMz klfhV (luiDaxf) Pon: 91-98783-37222

---iqafr kIqf skUl leIkMblI lY ky nwiTaf jfvy.cMcl mn bcpn dfsLrfrqF kr ky muskrfvy.mmqf sB kuJ muafP kr kyAus qoN vfry vfry jfvy. -amrjIq isMG qUr ipMz kulburCf, pitaflf. Pon: 91-98784-69639

---JfqIaF-mfqIaF, lukx mIcIaFmF nUM sdf AulJfeI rwKF.

dMigaF dI ByNt cVH gey mflkF dI rfK hY.iensfnIaq dy bly isvy bcI ZyrI Kfk hY.rl ky drvyÈ bYTy ipafiraF nUM hn tolHdy.

afey sugMD ikDry, afpixaF dI Kfk Proldy.

nf awkdI, nf QwkdI Borf,bfl lIlHf rcfeI rwKF. -divMdr kOr

---bcpn hI iek afjLfd AumrbYTy rihxf cuwlHy muwZ mF nyVy.bhfny, sLrfrqF, lukxf-mItxfskUl nf jfx leI GVny bhfny.lpyt rjfeI sON igaf Kwt plwtI lY.mF vrfAuNdI lfz ipafr kr kyskUl jfx leI mnfAuNdI.hsUM hsUM krdf ichrfjfgdI mF nUM pYNdIN pf jFdf. -drsLnpfl dosFJ

---sB dIaF awKF df qfrfkrdf iPry sLrfrqF.qyrI ies inrCl muskfn nysfry Gr ivc KyVf iKlfr‘qf. -ieMdrjIq mMgf iptsbrg, kYlIPornIaf.

---TMz lwgx df kry zrfmfskUl nf jfx df lwiBaf bhfnf.kMbl cuwkI Bwijaf iPrdfiPr mF dy hwQ nf afvy,bcpn dIaF inafrIaF KyzFmF vI bwcy qoN bihlfry jfvy. -gorf pRjfpq, inAU Xfrk Pon: 718-640-6660

---skUl jfx dy vyly qoN pihlFBucMgI ny afpxI gwl smJfeI.jfvFgf mYN Aus skUl, ijQy hovymF bolI pMjfbI ivc pVHfeI. -bwlf lbfxf, inAU Xfrk

kYpsLn mukfblf–418Koqf mfx nfl kihMdfhy mflk! qYnUM ksm hY,ihMmq nf hfrIN.jfn ‘qy afx pey qF hws ky shfrIN.dunIaF dyKdI sfzf ipafr.hY nf socIN ipaf sMsfr. -bwlf lbfxf, inAU Xfrk

gurbfxI gfAuNidaF[[[

'GuMgt Ehly n luk swjxf' pihlfpMjfbI gIq sI jo mYN irkfrz kIqf. mOkfsI - lfhOr dy pMjfbI sUPI rOk bYNzmIkfl hsn nfl gfvx df. QF sI,muMbeI dy bFdrf ielfky df prpl hyËstUzIE. ienHF dI bxfeI sMgIq ptfrI(aYlbm) aMdoln ivc mYN hor swq gIqgfe. ienHF ivc bfbf buwlHy Èfh dI kfPIvI sI, ijhdf muwKVf hY - afvo seIErl idE nI vDfeI.

mIkfl hsn bYNz nfl pihlF qymYN gfAux leI hI rlI sI, pr AudoN

soicaf vI nf sI ik pMjfbI kivqf qysfihq nfl myrf lgfE eynf zUMGf hojfeygf.

sfzI aYlbm dI irkfrizMg qoN JtipwCoN AunHF mYƒ koeI vIh pMjfbI gIqFdI iqafrI krn ƒ afiKaf. ienHF ivcbuwlHy Èfh qy Èfh husYn df klfm vI sI.pMjfbI myrI bolI qF nhIN, pr mYN bVficq lf ky kivqf smJdI hF qy Pyr TyTbynuks Aucfrn df vI irafË krdI hF.sfzy bYNz df bMsrIvfdk muhMmd aihsnpwpU mYƒ gfeI jfx vflI ÈfierIsmJfAuNdf hY. Èfh husYn dy klfm ivchIr rFJy dy ikwsy dy keI hvfly afAuNdyhn - 'rFJf rFJf krdI nI mYN', 'JokrFJx dI jfxf', 'swjx dy hwQ bFhasfzI'. aMimRqf pRIqm dI sMn sMqflIdI vfirs Èfh vflI kivqf gf ky myrfsfrf vjUd JUixaf igaf. iensfnIqfrIK df eynf iGnfAuxf hfdsf sfzydys bMgfl qy pMjfb ny afpxy ipMzy 'qyJwilaf hY. ieh sB kuJ aMimRqf pRIqmny ÈbdF ivc ijs qrHF sfkfr kIqf hY,AuhdI imsfl Gwt hI imldI hY.

mYN bMgflx hF. buwlHf, Èfh husYngfAuNidaF tYgor dy bFglf gIq gfvxvrgf hI anuBv huMdf hY. ienHF dI rcnfivc gwl BfvyN ijsmfnI ipafr dI huMdIhovy; rqf gihrfeI ivc jfeIey qF rUhfnI

bulMdIaF CUMhdIaF idsdIaF hn. bFglfqy pMjfbI vwKrIaF bolIaF hn, pr ienHFdI kxI iewko hY. ies qoN sfibq huMdf hYik sB iensfn iewko qrHF mihsUs krdyhn; hox BfvyN ikqoN dy vI.

iek idn mYN nËfkq qy slfmq alIKfn sfihb dI iekwiTaF dI gfeI bMidÈsuxI qy Pyr slfmq alI dI bMidÈ 'sFvlmoV muhfrF'. aYsf gfvx mYN pihlI vyrsux rhI sF. kYsI rUhdfrI qy kYsIgfiekI. mYN kIlI geI. ieMj hI ienHFgulfm PrId dI kfPI vI gfeI hY. KojkIqI qy pqf cwilaf ik afp pMjfb dyhuiÈafrpur iËlHy dy Èfm curfsI Grfxynfl qfaluk rKdy sn. ieh Ausqfd loksMqflI 'c afpxf jwdI ipMz Cwz ky srhwdpfr cly gey, pr AunHF apxI jMmx BoieMdf nfm ikqnf roÈn kIqf. ies iksm dIgfiekI dI myrI qflIm nhIN hY. mYƒ BrpUrpRyrnf imlI qy mYN pMjfbI sUPIbfxI iswKxqy gfAux lwgI.

mYN bMgflI twpf suxidaF vwzI hoeIhF. ieh ÈYlI keI bMgflI gIqF ivc vrqIhuMdI hY. asl ivc ÈfsqrI sMgIq ivciehdI qflIm vI idwqI jFdI hY. 'qobU monyryKo', 'dUry kOQfey' ijhy tYgor dy gIqF ivctwpf aMg Kfs hY, ijhƒ inBfAux leIÈfsqrI sMgIq ivc muhfrq hoxI cfhIdIhY. pMjfbI lok sMgIq ivc vI mYN vyiKafik twpf aMg BfrU hY, ijvyN hIr gfienÈYlI ivc. ieh gfAuxf sOKf nhIN, prpMjfbI gfiek hIr ikMnI sihjqf nflgfAuNdy hn.

ggn mY QflugurU bfbf nfnk jI dy 550vyN pRkfÈ

purb vyly ivdvfn gfiek sMgIqkfrmdn gopfl isMG ny dys-ivdys dygfiekF koloN bfbf jI dI afrqI gvfAuxdf Audm Coihaf hY. ieh ikhf jFdf eyik gurUdyv tYgor ny ies afrqI ƒ 'ivÈvgfn' (XUnIvrsl aYNQm) afiKaf sI.mdn jI ny krfcI vfly kok stUzIE 'qymyry gfey gIq suxy qy mYƒ afrqI gfAuxleI afiKaf. ieh kMm ieqnf sOKf nhINsI, ikAuNik ieh afm gIqF vrgf gIqqy nhIN hY. pr iek idn rfg ikrvfnIivc iehdI bMidÈ dI mYƒ afmd hoeI.(gurU jI df hukm vYsy rfg DnfsrIivc gfvx df hY.) sMgq anugRh pFzXdy isrP iewko sfË 'bys' igtfr nfÜkIqI. iehdf vfdn aYn Esy qrHF dfsI, ijvyN mYN cfhuMdI sF. mYN ieh nhINsoicaf ik sroiqaF ƒ myrI bMidÈikMnI-ku cMgI lwgygI. mYN qF afpxfkrqv inBf rhI sF.

krfcI vfly kok stUzIE ivcgfAuxf myrI iËMdgI df sB qoN vwDluBfvxf qjrbf rihxf hY. mIkfl hsnbYNz nfl sIËn 8 ivc 'iknfry iknfry'qy 'seIE' gfAux mYN pihlF lfhOr qyPyr krfcI awpVI. ienHF dovF bMidÈF dIlwKF sroiqaF ny ieqnI iËafdf dfd idwqIhY, jo mMnx ivc nhIN afAuNdI.

'bOlIvuz' iPlmF ivc pMjfbI sMgIqbhuq vriqaf jFdf hY qy psMd vI bVfkIqf jFdf hY. pr asl pMjfbI sMgIqdf mYƒ lhOr jf ky mIkfl hsn bYNznfl kMm krky hI pqf lwgf. AunHF kolmYN quPYl inafËI suixaf. AuhdI gfiekIny mYƒ moh ilaf. hux dy gfiekF 'coNmYƒ dubeI rihMdf swjfd alI bhuq psMdhY. ieh apxy gfey gIq afp ilKdfhY. myry cfhx vfly mYƒ ryÈmf dIaF qyhornF dIaF irkfrizMgF Gwldy kihMdyhn ik AunHF dy gfey gIq mYN vI gfvF.pMjfbI sroiqaF df myry nfl eynfipafr jfx ky mYN cfhnI hF ik Zyrsfry pMjfbI gIq gfvF. hfly qF mYNpihlI pUxI hI CohI hY.

ÈrimÈTf cYtrjI vwK-vwK vMngIaF dy gfien ivc mfihr hY.ihMdosqfnI ÈfsqrI sMgIq ivc isKlfeIXfPqf ÈrimÈTf BfrqIiÌlmF, tYlIivËn aqy ieÈiqhfr jgq ivc ipwTvrqI gfiekf vjoNsrgrm hY. bOlIvuwz ivc ipwTvrqI gfiekf dy qOr ‘qy Aus df pihlfgIq 2007 ivc afieaf. sivtËrlYNz ivKy ‘jYËfa PYstIvl’ ivcpyÈkfrI leI imly swdy ny Aus dy pyÈyvr jIvn ivc nvF moV ilaFdf.muMbeI prq ky Aus ny jYË sMgIq bYNzF nfl sMprk kIqf. lUeI bYNk dybYNz ‘gMgf ÈkqI’ aqy rxjIq brot dy bYNz nfl juVnf Aus dIaFaihm pRfpqIaF ho inwbVIaF.

ÈrimÈTf cYtrjI df rMg

ÈrimÈTf cYtrjI

klfpirkrmfklf

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (21)

zf[ gurbKsL isMG BMzflPon: 216-556-2080

icrfg-zfrdiraf phfVF ivcoN inkldf, afpxIqory qurdf, hOlI hOlI sPr pUrf krkysmuMdr ivc smf jFdf, pr diraf kdyvI ipCFh nhIN prqdf.

pihlf kdm soc smJ ky Dro,ikAuNik agFh nUM pwuitaf kdm kdyipwClKurI nhIN pwuitaf jf skdf. ipCFhnUM Jfkx vfly dy nYxF ivcoN dUr-idshwidaFdy isrnFvyN sdf leI ikr jFdy.

kuJ lok isrP qurnf hI jfxdy, prAunHF nUM agFh vDx aqy ipCFh muVnivclf aMqr, ies nfl pYdf hoeI doicwqI,hox vflI mfnisk pIVf, dIidaF ivc Augxvflf DuMdlkf aqy ajfeIN smF gvfAuxdf kdy aihsfs nhIN huMdf. smF bIq jfxipCoN pwly isrP iek pCqfvf rih jFdfhY.

isrP agFh vDx vfly, dIidaF ivcBivwKmuKI supinaF nUM sjfAux aqy ienHFdI pRfpqI nUM jIvn-akIdf bxfAux vflyhI jIvn-mksd df hfsl huMdy.

jIvn-bulMdIaF nUM hfsl krn vfly,nvyN rfhF ‘qy qurn qoN pihlF sfry pwKF nUMsmJdy, ivcfrdy aqy afAux vflIaFcuxOqIaF df sfhmxf krn dI mfnisk-smrwQf pYdf krdy. iPr Auh musLiklFaqy pIVF qoN kdy nhIN GbrfAuNdy. mMijLlpRfpq krky hI sfh lYNdy. rukxf jF ipCFhvMnIN Jfkxf qF AunHF dy icwq-cyqy ‘c hInhIN huMdf.

kdy vfr pYr puwtx lwigaF sfzfbIiqaF ipCf nhIN Cwzdf. kmjor hox kfrnbIqy df pwlf Cwzx qoN qRihMdy. iesy leIsfzy pYrF ivc Auigaf sPr sog qy sdmfbx ky socF ivc sdf rVkdf rihMdf. kuJpRfpq krn leI kuJ qF Cwzxf pvygf,ikAuNik kuJ gRihx krn leI kuJ qFgvfAuxf hI pYNdf.

keI vfr lok agFh nUM quridaF,mUl nUM hI Buwl jFdy. loV hY ik nvyN rfhF‘qy quridaF mUl nUM nf Bulfieaf jfvy.afpxIaF jVHF qoN byruKI nf AupjfeI jfvy.sgoN agFh nUM quridaF, mn-mMidr ivcbIiqaf vI guxguxfAuNdf rhy qF nvIaFrfhF df sPr bhuq hI suKfvF aqydyxdfrIaF BrpUr huMdf.

myrf dosq hY. kflj pVHdf hI ivdysLnUM qur ipaf sI. vwK-vwK dysLF ivc TfhrBfldf qy afpxy jogI jLmIN lwBdf, ajyqIk afpxy pYrF leI siQrqf nhIN isrjsikaf. Bwj-dOV ky ieMzIaf ivafh vIkrvf afieaf. bwcy vI ho gey. bfp dIgYr-hfjLrI ivc ivafhy vI gey, pr Auhajy vI jIvn dI ZldI sLfmy ivdysL ivchI jIvn-siQrqf dI Bfl krdf hY. kdyvI Aus dy mn ivc vfps afpxy Gr nUMprqx, jIvn-sfQx nUM ivafhuqf jIvndf suwK dyx jF afpxy ihwsy dI ijLMdgIijAux dI qmMnf pYdf nhIN hoeI. Auh ipCFhnhIN jfxf cfhuMdf sgoN ivdysL ivc hIafpxy sfhF nUM afKrI alivdf kihx leIbyqfb hY. ieh kyhI mfniskqf hY ik AuhipCFh nhIN jfxf cfhuMdf sgoN agFh hIafpxf sPr jfrI rwKxf cfhuMdf, ijs ‘coNhux qIk dI mfnisk pRfpqI jLIro hY. iessPr ivc Aus ny ikMnf kuJ gvfieaf aqyikMnf kuJ pRfpq kIqf, kdy ies df lyKf-joKf kry qF Aus nUM hux qF aihsfs hoxfcfhIdf ik Aus dy ipCFh prqx ivc hIAus dI BlfeI hY, pr Aus ny kdy vfpsnhIN prqxf.

ipCFh prq ky dyKxf jF svY-ivsLlysLx krn ivc koeI gunfh jF KunfmInhIN. jy lwgy ik sPr ivc kMzy qy KfeIaF,AudfsI qy hfivaF qoN ibnf kuJ nhIN jFjd KyVy ruwsy rihx, afsF bynUr ho jfxaqy ivsLvfs KyrUM KyrUM ho jfvy qF qurdypYrF nUM vI socxf qF cfhIdf hY ik iehkyhf sPr hY, jo pIVF df inAuNdf hI Drdfey. kiTnfeIaF, aOiKafeIaF aqy ksLtFipCoN jy ikDry koeI afs aqy Drvfs dIikrn idKfeI dyvy qF sPr jfrI rwKo.

vrnf, kuJ pl rukx, socx aqy sPr nUMmoVf dyx ivc koeI hrjL nhIN.

bhuq aOKf huMdf ipMz qoN ngr, ngrqoN mhFngr aqy iPr ivdysL vMnIN AuzfxBrnf. ieh sfzy supinaF dI prvfjL. iesprvfjL dOrfn rOsLn Drfql njLrIN vIpYNdI, pr bhuq kuJ sfQoN ivsrdf vI.pRfpq aqy ivsfrn ivcly aMqr dIjfxkfrI nUM isafxp dI qwkVI ‘c qolFgyqF sfnUM afpxy sPr nUM sfrQkqf, sdIvqfaqy suXogqf dyx ivc asfnI hovygI.Auzfx Brnf cMgf hY, pr ies leI sfzyzOilaF ivc bl, KMBF ivc hvf aqy aMbrijhI idwB-idRsLtI df hoxf aiq jLrUrI.

bhuqy lok jIvn dy iek pVfa ‘qyprvfjL nUM AucyrI Auzfx dyx leI nvIaFDrqIaF dI ivsLflqf nUM apnfAux aqysupn-pUrqI df aihsfs mn-jUh ivc

Dr Gr qoN bfhr nUM kdm rwKdy. mFvFsu wKF mMgdIaF. Gr nU M iqVkx dfaihsfs vI huMdf. ieh iqVkx Gr dIaFKurdIaF nINhF dI vI ho skdI jF Gr dIaFnINhF dI ingrqf dI afs vI. ieh qF sPrivclI sMvydnf aqy sMpUrnqf ivcoN hI AudYhoxf huMdf. bhuq sfry nOjvfn ivdysLIcmk-dmk jF prdys ivc rihMidaF dyTfT dyK ky ivdysL phuMcx leI hr hIlfvrqdy. kdy afpxI jfn dI bfjLI vIlfAuNdy, pr Auh mfnisk qOr ‘qy iesdOrfn afAux vflIaF musLiklF, afrQkqMgIaF-qursLIaF aqy aOkVF nUM kdyikafs nhIN skdy, ijnHF df sfhmxf, AunHF

nUM ivdysL ivc jf ky krnf pYNdf, qy iPrmusIbqF ivc iGiraf ivakqI iqVkjFdf, aMdroN tuwt jFdf aqy jy koeI hONslfdyx, bFh PVn leI awgy nf afvy, DIrjnf Drfvy jF rox leI koeI imwqr-moZf nfimly qF Auh ivakqI KudkusLI, glq kMmFjF afpxf isvf sykx leI mjbUr ho jFdf;ikAuNik Aus leI ipCFh prqxf bhuqmusLikl huMdf. keI vfps muVnf socdy qFAunHF dy supinaF dI kbr, AunHF nUM bycYnkrdI, pr Auh kdy socdy hI nf ik ipCFhnUM muVn dI QF rfh qF bdlI jf skdI, joAuqrdI rfq dy hnyry nUM nhIN, sgoN srGInUM jfvy. ienHF rfhF ‘c mwisaf dI rfqnhIN, sgoN puMinaf df cMn JfqIaF mfry.iPr socF ivc KMzr nhIN, sgoN rihx-bsyrf Augdf. aijhy pihr ‘c jIvn nUMalivdf kihx dI QF KusL-afmdId khI

jFdI.ipCFh nf muVo, pr GVI pl Klo ky

pfsf qF priqaf jf skdf. bIqy nUMivcfiraf jf skdf. hoeIaF glqIaF,kmIaF qy kuqfhIaF nUM dUr kr ky, nvIaFqrjLIhF aqy qmMnfvF nUM nvIN qrqIb qFidqI jf skdI, jo quhfzI qkdIr nUM nvINqihjLIb aqy dUr-drsLI pYV df pqf dwsy.

ipCFh nUM prqxf, aOKf qF bhuq,pr jd kuJ pl leI ipCFh nUM prqxf,jIvn nUM skUn jF KusLI dyvy qF prqxivc hI BlfeI. koeI ivakqI jd iekKfs cOigrdy jF sMg-sfQ ivc Kud nUMsuKYn aqy sMqusLt mihsUs kry qF Aus

df prqxf vI bhuq sihj aqy sfrQkvrqfrf huMdf. ies ivcoN hI kuJ smyN leIanMdmeI plF df prfgf Aus dI JolIpYNdf. Aumr df iek pVfa, soc df iekdfierf aqy BivwKmuKI Auzfx huMdI ik qusINjIvn nUM ikhVy sMdrB ‘c lYNdy ho aqyies ‘coN kI qlfsLdy ho? jd ipMz df koeIbjurg sLihr jF ivdysL ivc afpxy bwicaFkol jFdf qF Aus koloN Kus jFdf Aus dfipMz, Kyq, KUh qy PslF vMnIN gyVf, mwJF,gfvF aqy psUaF dI dyKBfl krn dfiKafl. lvyrIaF aqy hflIaF nUM puwqF vFgipafrn aqy dulfrn dI locf. ipMz bhuqXfd afAuNdf aqy Aus leI sLihrI jF ivdysLivclI ijLMdgI iek kfl koTVI. aijhyivakqI leI ipCFh muVnf, jIvn dy suKdplF df vfps prqxf. aijhf imlx ‘qyAuh afpxy afKrI pihr nUM asImq KusLInfl Br, ijAux dy aihsfs nUM ijAuNdy.myrf bfp isrP iek rfq hI sLihr rihMdfsI aqy svyry AuT ky ipMz nUM vfps prqjFdf sI, ikAuNik Aus dy rojLfnf jIvnivc rcI hoeI sI, pwTy vwZx qy kuqrn dIKusLboeI, imwtI nfl moh pflx dI qmMnf.hr rojL KyqF vMnIN gyVf mfrnf, nvIN AUrjfnfl Br idMdf sI, ijs ny Aus nUM nwibaFqoN twp ky vI qMdrusqI bKsLI. sfrI Aumriek dfiery ivc rihMdy, sihj, sbr qysMqoK nfl, sImq loVF qy sImq sfDnFrfhIN afpxy jIvn df anMd mfxdy rhy.AunHF dy supny ajokI pIVHI dy ikMj mycafAuxgy?

ajokI nOjvfn pIVHI ny afpxy leInvIN DrqI qlfsLx, hsqI, hYsIaq aqyhoNd nUM sQfpq krn leI jd ipMz dIiPrnI qoN bfhr pYr Diraf qF Auh kdyvfps nhIN prqy. hF AunHF dy cyiqaF ivcsdf ipMz hI vwsdf irhf. BfvyN Auh ivdysLIckfcOND ivc Kud nUM AulJfAux aqypRcfAux dI bhuq koisLsL krdy rhy. ikDryvI cly jfvo, supny qF bcpn dy, ipMzdIaF glIaF dy, BwTI ‘qy dfxy BMunfAuxdy, dukfn qoN sOdf lYx igaF imly JUMgy dy,mfstr vloN peI mfr dy, CwpV dy kMZypocI qy sukfeI PwtI dy jF pfxI ‘qyclfeIaF kfgjL dIaF byVIaF dy hI huMdy.ienHF df kdy nhIN cyqf Buwldf, pr kdy vIipCFh nhIN muVdy. bIiqaf isrP cyiqaFivc vwsdf. ieh cyqf Aumr nfl hor gUVHfhuMdf aqy afKrI sPr df sdIvI sfQIbx jFdf.

kuJ pl leI ipCFh nUM prqx leImn dI qkVfeI, kmjLorIaF nUM mMnx aqyafpxy afp nUM muV qoN pirBfsLq krn dIloV. qF hI lyKf-joKf krn aqy afpxyafp nUM BivwKI drpysL musLiklF nUM snmuwKrwK ky kuJ nvF krn aqy nvIaF rfhF ‘qyqurn dI ihMmq hfsl hovygI.

ipCFh nUM prqxf muhfl hYzf[ gurbKsL isMG BMzfl afpxI invyklI sLYlI ivc jIvn dIaF prqF Proldy ijLMdgI

dy nfd dI qlfsL ivc rihMdy hn. AunHF dI vfrqk ivc kfiv rMg ieMnf BfrU huMdf hY ik keIvfr qF BulyKf pYNdf hY ik ieh vfrqk hY jF kivqf! ipCly lyK ivc zf[ BMzfl ny mMijLldf iviKafn kridaF ikhf sI, “mMijLl, isrP pdvIaF, ruqibaF aqy mfiek lfBF nUMpRfpq krn jF ienHF ivc hI AulJ ky rihx df nfm nhIN, sgoN kuJ cMgI soc aqy sfDnfdf sPr vI krnf huMdf.[[[sB qoN aOKf huMdf mMijLl nUM imwQxf. ies dIaF bhu-pwKI prqF nUMafpxI isafxp, smrwQf aqy sLkqI sMg qolxf.” hQly lyK ivc zf[ BMzfl ny phfVF qoNDrqI vwl afAuNdy dirafvF dy hvfly nfl ikhf hY ik Auh ipCy nhIN muVdy, pr mnuwK leIbysLk bhuq aOKf huMdf ipMz qoN ngr, ngr qoN mhFngr aqy iPr ivdysL vMnIN Auzfx Brnf.ieh sfzy supinaF dI prvfjL. Auh kihMdy hn, “ipCFh nf muVo, pr GVI pl Klo ky pfsfqF priqaf jf skdf. bIqy nUM ivcfiraf jf skdf. hoeIaF glqIaF, kmIaF qy kuqfhIaFnUM dUr kr ky, nvIaF qrjLIhF aqy qmMnfvF nUM nvIN qrqIb qF idqI jf skdI, jo quhfzIqkdIr nUM nvIN qihjLIb aqy dUr-drsLI pYV df pqf dwsy.[[[ipCFh nUM prqxf, aOKf qFbhuq, pr jd kuJ pl leI ipCFh nUM prqxf, jIvn nUM skUn jF KusLI dyvy qF prqx ivchI BlfeI.” -sMpfdk

ijLMdgI dy iksy moV ‘qy afpxy rfhFnUM nvIN idsLf dyxI, mfnisk, srIrkafrQk jF smfjk loVF dI pUrqI, PrjLFleI, jF aihsfnF dI BrpfeI leI cMgyrfmoVf dyxf bhuq hI sMvydnsLIl kdm, joiek sugm sunyhf bx ky ijLMdgI nUM rOsLnpfsy moV ky rUh-rMgqf nfl lbryjL krskdf. aijhy moV keI vfr rUhfnI aqyafqimk sMqusLtI df sbwb vI huMdy.

kdy kdfeIN aijhI ivcfrDfrf nUMafpxI soc-Dfrnf ivc QoVHI ijhI spysdyxf, dyKxf quhfzIaF pihlkdmIaF aqypRfpqIaF ivclf Pfslf bhuq Gwt jfvygf.

keI vfr asIN anfVIpuxy, kfhl,QoVH-icry muPfd jF iksy mfiek lflcKfqr glq idsLf vMnI kdm AuTfAux dIglqI kr bYTdy hF. aijhy rfhF ‘qy sfrIAumr qurn dI QF ienHF rfhF nUM alivdfkih dyvo, jd ienHF dI soJI af jfvy. iPrnvIaF rfhF dI insLfndyhI kro, jo srGIdf isrnFvF hox, ijnHF ivc sUrjF dI dwshovy, cfnx-kfPilaF dI irmiJm hovy,igafn gMgf vgdI hovy; boD, bjurgI,bMdgI aqy brkqF dI bihxI hovy; qn qyDn nfloN mn qy rUh dI bfqF pfAux dIrIq hovy; socF, isafxpF, smJF aqysdBfvnf dy dIivaF dI rOsLn-afBf hovyjF qlIaF ‘qy AuGVI mihMdI, kmry ivccfa-rumkxI jF Gr nUM prqdIaF pYVFdI qfl suxfeI dyvy.

ipCFh nf prqo ikAuNik prqxf bhuqhI muhfl, pr kdy kdfeIN kuJ pl leIipCFh prqxf, AunHF drF nUM imlx leIijnHF ivc bjurgF dI AuzIk hY, cONikaFleI ijnHF nUM afpixaF dy prqx dI afshY, purfxy dosqF leI ijnHF nUM bcpnIsLrfrqF nUM Xfd krn dI rIJ hY jFpurfxIaF rfhF, QFvF leI ijnHF nUM pYV-cfl suxn dI cfhnf hY. kuJ smyN leIprqx nfl jy mn ivc skUn aqy ipwCyrihMidaF nUM suKn qy cYn df aihsfs aqyiml ky kuJ pfAux df Bfv qfrU hovy qFkdy kdfeIN afpxy grF, GrF, drF nUM jrUrprqxf, ijnHF nfl quhfzIaF jIvn-XfdFjuVIaF hoeIaF ny.

sdIvI prqxf nfloN kdy kdfeI kuJpl leI ipwCl-Jfq mfrnI. AunHFpgzMzIaF, rfhF aqy pihaF nUM inhfrnf,ijnHF ‘qy quhfzy pYrF dy insLfn ajy qIkvI surwiKaq ny. purfxIaF sFJF, XfrIaFaqy AunHF plF nUM jrUr Xfd krnf, jdmMgvIN kmIjL pf ky kdy ivafh ‘qy geysI, vFZy jfx vyly huDfrI juwqI ny iekidn ivc hI pYrF ivc Cfly pf idqy sn jFvrdy mINh ivc skUly jFidaF hYNzl nflltkdy Joly ivc peIaF ikqfbF-kfpIaFigwlIaF ho geIaF sn.

ipCFh qF nhIN jfieaf jf skdf, prafpxy mfipaF n U M imlx, afpxyipafiraF dI KusLI-gmI ivc sLrIk hoxjF bIqy nfl juVn leI BfvyN kuJ smyN leIhI shI, ipCFh nUM qF jrUr prqxf. iehprqxf sdIvI nf shI, isrP kuJ plFdf hI hovy.

aijhf jrUr krnf ikAuNik sdf leIipCFh prqxf, bhuq hI aOKf huMdf.

afs hY ik inrfsL nhIN krogy.

jd ipMz df koeI bjurg sLihr jF ivdysL ivc afpxybwicaF kol jFdf qF Aus koloN Kus jFdf Aus df ipMz,Kyq, KUh qy PslF vMnIN gyVf, mwJF, gfvF aqy psUaF dIdyKBfl krn df iKafl. lvyrIaF aqy hflIaF nUM puwqFvFg ipafrn aqy dulfrn dI locf. ipMz bhuq XfdafAuNdf aqy Aus leI sLihrI jF ivdysL ivclI ijLMdgIiek kfl koTVI. aijhy ivakqI leI ipCFh muVnf,jIvn dy suKd plF df vfps prqxf. aijhf imlx‘qy Auh afpxy afKrI pihr nUM asImq KusLI nfl Br,ijAux dy aihsfs nUM ijAuNdy. myrf bfp isrP iek rfqhI sLihr rihMdf sI aqy svyry AuT ky ipMz nUM vfps prqjFdf sI, ikAuNik Aus dy rojLfnf jIvn ivc rcI hoeIsI, pwTy vwZx qy kuqrn dI KusLboeI, imwtI nfl mohpflx dI qmMnf. hr rojL KyqF vMnIN gyVf mfrnf, nvINAUrjf nfl Br idMdf sI, ijs ny Aus nUM nwibaF qoN twpky vI qMdrusqI bKsLI. sfrI Aumr iek dfiery ivcrihMdy, sihj, sbr qy sMqoK nfl, sImq loVF qy sImqsfDnF rfhIN afpxy jIvn df anMd mfxdy rhy. AunHF dysupny ajokI pIVHI dy ikMj myc afAuxgy?

Page 22: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (22)

jdoN koeI iswK ivdvfn kihMdf hY ikgurU nfnk dyv jI ny qrkpUrx ZMg nflbRfhmxvfd dy pKMz Aujfgr kIqy aqyagly hI sfh Auh afK idMdf hY ik AunHFny afpxy iswKF nUM bRfhmxvfd qoN mukqkr ky pRBU dI BgqI ivc lfieaf, qF gwlhËm nhIN huMdI. ieh XkIn nhIN huMdf ikgurU sfihb do imafr vrqdy hox, iekbRfhmxvfd leI qy dUjf iswKI leI, BfvAuh iswK pujfrI nUM bRfhmx pujfrI qoN cMgfsmJdy hox. iewdF lwgdf hY ik jF iehivdvfn glq hn jF gurU nfnk, pr jdoNjpujI pVHdy hF qF gwl pUrI qrHF KulH jFdIhY ik ivdvfn hI glq hn.

kfrn ieh hY ik ivdvfn suxI suxfeIgwl jF mnOq ‘qy cldy hn aqy Auh afpxIakl nhIN vrqdy. akl nf vrqx nUM

Auh iswKI syD afKdy hn qy akl vrqxnUM mn mwq. Auh ivÈvfs nfl juVdy hn,siq nfl nhIN. Auh svfl nhIN krdy qFjo AunHF df XkIn nf tuwty. AunHF nUM zrrihMdf hY ik XkIn BMg hox nfl Auh iswKIqoN Btk jfxgy. ies leI Auh bfxI dIinrpwK ivafiKaf nhIN krdy, sgoN ÈrDf‘qy cldy hn. Bfv ieh ik Auh gurbfxIqoN syD lY ky jIvn ies anusfr nhIN ZfldysgoN gurbfxI pUjf pfT leI rwK ky jIvnafpxI syD anusfr clfAuNdy hn.

bws iewQy hI Auh kuJ aijhf krbYTdy hn, jo AunHF nUM swc qoN dUr lY jFdfhY. Auh Buwl jFdy hn ik qrk dlIl rfhINsiq ‘qy phuMcxf iswKI isDFq df mUlafDfr hY. soc dy iehI muwl Bfv svfl,prK aqy pRmfx hI pKMz df prdf PfÈkr skdy hn qy kUV nUM nkfr skdy hn.gurU sfihb ny iswKI dy ienHF muwlF ‘qy amlkrky hI mnuwKqf nUM siq df rfh idKfieafsI. ienHF muwlF ivc AunHF df pwkf XkInsI qy AunHF ny hr iswK leI aijhf krnfjrUrI dwisaf sI. ienHF muwlF dI AulMGxfkrky inKyiDq gwlF ivc XkIn krnf hImn mwq qy bRfhmxvfd hY. gurU sfihb nyqrk dlIl dI jfc dy ky afpxy iswKF nUMies soc ivcoN bfhr kwiZaf sI, pr ajokyiswK iswKI aml dIaF hwdF Buwl ky lIhqoN Auqr gey hn.

aijhI mn mwq df hI asr hY ikAuh hr quk dI aiDafqmvfdI ivafiKafkrdy hn qy gurU sfihb nUM vI pRBU-Bgqsfbq krn df Xqn krdy hn. AunHF dyies ruJfn dI vwzI imsfl AunHF dy jpujIdI swqvIN pAuVI df anuvfd hY, pr iesnUM ivcfrn qoN pihlF ies pUrI pAuVI ‘qyJfq pfAuxf jrUrI hY,

jy jug cfry afrjf hor dsUxI hoie]nvf KMzf ivic jfxIaYnfil clY sBu koie]cMgf nfAu rKfie kYjsu kIriq jig lyie]jy iqsu ndir n afveIq vfq n puCY ky]kItf aMdir kItu kir dosI dosu Dry]nfnk inrguix guxu kryguxvMiqaf guxu dy]qyhf koie n suJeIij iqsu guxu koie kry]÷]ies pAuVI ivc gurU sfihb ipClI

pAuVI df hI AupdyÈ awgy lY ky cldy hn.ipClI pAuVI ivc AunHF ny qrk-ivvyk dyshfry qIrQ ieÈnfn ivc ivsLvfs dfKMzn kIqf sI. ienHF guxF sdkf hI AunHFny ‘sBnf jIaf kf ieku dfqf’ df iekkudrqI isDFq pCfixaf sI. ies pAuVI

ivc Auh qrk, ivvyk qy akl df mhwqvsmJfAuNdy hn. Auh iek imsfl rfhIN dwsdyhn ik jy iksy ivakqI dI Aumr bRihmMzdy cfry XugF ijwzI hovy qy jy ies qoN vI vDky ieh ds guxF hor ho jfvy. Èfied gurUsfihb vwzI qoN vwzI Aumr dy ivakqI dIimsfl ies leI idMdy hn ik vwzI Aumrdy ivakqI nUM CotI Aumr vfly qoN vwDisafxf jF qrk-ivvyk vflf mMinaf jFdfhY. Auh awgy kihMdy hn ik jy aijhf vwzIAumr vflf ivakqI AuqoN iek cMgf ijhfnF rwK lvy jF rKvf lvy. ieh cMgf nFkoeI vI ho skdf hY, ijs qoN ivdvqfJlkdI hovy ijvyN igafn cMd, vyd pRkfÈ,ivdvfn isMG, ilafkq alI jF iPr 108svfmI igafnyÈvrfnMd mhfrfj. qy iPrAuh cMgy nfm vflf ivakqI sfry sMsfrivc pRiswD ho ky nfmxf Kwt lvy qy ieMnfhrmn ipafrf ho jfvy ik sMsfr dy hriKwqy dy lok Aus nUM jfxdy hox qy Aus dyafKy Auh sfry hI Aus nfl AuT qurn nUMiqafr hox.

gurU sfihb awgy PurmfAuNdy hn ikieMnf hox ‘qy vI jy Aus ivakqI ivc ndir(objective observation) nhIN hY, BfvAuh bylfg nËr nfl dyK jF soc nhINskdf, arQfq inrol qrk dlIl dI gwlnhIN kr skdf, qF Auh iksy kMm df nhINhY. koeI Aus dI vfq puwCygf qy suxygfnhIN. lok Aus nUM kItF ivcoN kIt BfvBmwkVF ivcoN sB qoN Cotf BmwkV smJxgy.dosLI lok BI Aus ivc dosL kwZxgy Bfvglq ivakqI vI Aus dI soc ivc nukskwZxgy.

gurU nfnk afpxy afp nUM sMboDnkr ky ieh gwl idRVfAuNdy hn ik hy nfnk,ijnHF bMidaF ivc pihlF koeI gux nf hovy,AunHF ivc gux pYdf kIqf jf skdf hY qyijnHF ivc kuJ gux hox, Bfv jo guxvMqyhox, AunHF nUM vI hor guxI bxfieaf jfskdf hY, Bfv Auh vI hor isafxy ho skdyhn, pr sMsfr ivc aYsf Ausqfd imlxfasMBv hY, jo aijhy ivakqI ivc koeIgux pYdf kr skdf hovy, ijhVf ndir-hIx jF qrk-ivvykhIx hovy. ies qrHFgurU sfihb kihMdy hn ik BfvyN koeI ikMnfvI Xqn ikAuN nf kr lvy, iek ivsLvfs-gRsq ivakqI ivc buwDI-mqf df sMcfrkr skxf aiq-muÈikl kfrj hY. iesinXm anusfr afm ÈrDflU qF BfvyN iswKIdy kuJ gux gRihx kr skx, pr AunHFiswK ivdvfnF ‘qy iswKI soc df koeI guxnhIN cVH skdf, ijnHF dI soc ‘qy pihlFhI bRfhmxvfd dI pfx cVHI hoeI hovy.

gurU sfihb ny ijwQy vI ieh gwlduhrfeI hY, AuQy iehI dwisaf hY ik ibnfsoc ivcfr qoN iksy gwl ‘qy XkIn krnfmUrKqf hY. iswKI isDFq hI ieh hY ik hrgwl nUM mMnx qoN pihlF Aus nUM ivcfrvtFdry qy pRIKx rfhIN pUrI qrHF ajmfilaf jfvy. jy soc hI puwTy pfsy jFdI hovyqF ivsLvfs ivc isr JukfAux df koeIPfiedf nhIN; pr ijnHF dI soc df somfarMB qoN hI aMDivsLvfs irhf hovy, AunHFivcoN ies soc nUM Kqm krnf Bfv qrk-ivvyk pYdf krnf kiTn hY. jy ies ivcfrnUM ivigafn dy pwK qoN ivcfiraf jfvy qFieh iblkul shI sfbq huMdf hY. ijnHFlokF dy mnF ivc bcpn qoN ivsLvfs rfhINkoeI gwl Br idwqI geI hovy, Auh sfrIAumr AuQoN nhIN inkldI.

ihMdU hmyÈf ihMdU, muslmfn hmyÈfmuslmfn qy iswK hmyÈf iswK bxy rihMdyhn. sB nf isrP afpxy afpxy Drmivc ivsLvfs krdy hn, sgoN afpxy Drmanusfr hI dlIlF idMdy hn. koeI afpxfDrm Cwzx nUM iqafr nhIN huMdf qy jy koeI

iksy mËbUrI vs aijhf kr vI lYNdf hYqF mOkf imldy hI vfps Gr prq jFdfhY. grfmoPon dy qvy vFgUM jo avfË Ausivc pihlI Aumry Br idwqI jFdI hY, AuhsfrI Aumr AuhI boldf clf jFdf hY. joqvf Biraf nf hovy, Auh Biraf jf skdfhY; jo awD-pcwDf Biraf hovy, Aus nUM horBr ky pUrf kIqf jf skdf hY, pr jobyQvIaF gwlF nfl pihlF hI Biraf ipafhY, Aus Auqy qrk dI avfË kdy nhINcVHfeI jf skdI. Auh qF hmyÈf EhIbolygf, jo Aus Auqy AukrI geI hY. ijsirkfrz Auqy mfqf dIaF BytF cVHIaF hn,Auh BytF gfvygf; ijs Auqy nbI dIaF nfqF

hn, Auh AunHF df gfien krygf aqy ijsAuqy Èbd kIrqn Biraf hY, Auh ÈbdkIrqn suxfeygf. ijs nUM ijhVy QF mrjIvjfE, Aus ivcoN AuhI avfjL inklygI, joAus ivc BrI hoeI hY.

mOjUdf pAuVI dy arQ bhuq sfryivdvfnF ny kIqy hn, pr sBnF dy arQkuJ ÈbdF dy hyr-Pyr nfl ieko qrHF dyhn. cfhy Auh pRo[ sfihb isMG hovy, cfhyrjnIÈ EÈo, cfhy gopfl isMG, cfhygurBgq isMG qy cfhy sMq isMG Kflsf-sB ieko ijhI gwl kihMdy hn. Auh iesdI ivafiKaf krdy ilKdy hn, “cfhyquhfzI Aumr cfry jugF ijwzI hovy qy iehies qoN vI ds guxf vwD ho jfvy, cfhyqusIN ipRQvI dy nONaF KMzF ivc jfxy jFdyhovo qy sB lok quhfzy nfl AuT cwlx nUMiqafr hox aqy cfhy qusIN cMgf ijhf nfmrKvf ky sfry jwg ivc nfmxf Kwt lvo,pr jy qusIN prmfqmf dI imhr BrI nËrhyT nf afey, Bfv quhfzy qy rwb dI ikrpfidRÈtI nf hoeI, qF koeI quhfzI gwl vInhIN suxygf. qusIN kIiVaF dy kIVy smJyjfEgy qy pfpI lok vI quhfnUM pfpI kihxgy.gurU nfnk jI kihMdy hn ik prmfqmfgux-rihq ivakqIaF nUM gux idMdf hY qyguxvfnF nUM hor guxvfn bxf idMdf hY, praYsf koeI bMdf nhIN hY, jo prmfqmf ivckoeI gux pYdf kr skdf hovy Bfvprmfqmf pihlF hI srbklf sMpUrx qysrb ÈkqImfn hY.”

jy ivdvfnF dI ies ivafiKaf nUMinrpwK ho ky ivcfiraf jfvy qF iehiblkul hI qrkhIx qy arQhIx jfpygI.pihlI gwl ieh ik gurU sfihb ny iespAuVI ivc qF kI, sfry jpujI ivc ikqyvI prmfqmf jF rwb df ijLkr qIk nhINkIqf, iPr ivdvfnF ny ieh Èbd ikwQoN lYaFdf? jy hovy qF iksy nUM mMnx ivc koeIieqrfË nhIN, pr jy hY hI nhIN qF ies nUMbdo-bdI ilafAuxf Brm pYdf krdf hY.

iewQy gwl sMjIdf hY, ikAuNik ies qrHFkrn nfl pAuVI dy arQ hI bdly jFdyhn. lgdf hY ik ieh Èbd iswK ivdvfnFdI soc ivc pihlF qoN hI pey hoey sn, jojrf ku mOkf imldy hI afp muhfry bfhr

inkl afey. Èfied Auh ienHF ÈbdF nUMvrqy ibnf ies pAuVI dI ivafiKaf krhI nhIN skdy.

dUjI gwl ieh hY ik iewQy jo ‘iqs’aqy ‘ndir’ Èbd gurU sfihb ny Aus lMmyrIAumr vfly qrkhIx ivakqI bfry vrqyhn, Auh Èbd ienHF ivdvfnF ny ‘rwb’ leIvrq ky kMm clfieaf hY. ijs prm-siq nUM gurU sfihb ny mUlmMqr ivc lwBxhyq Cwz ky nfm vI nhIN idwqf, Aus dfienHF ny afpxy koloN hI nfm vI rwK ilafqy Aus nUM dieaf-idRÈtI vI dy idwqI. hwQF`qy srHoN jmfAux dI ies qoN vwzI imsflhor kI ho skdI hY ik ijs prm-siq dI

Bfl leI ipClI pAuVI ivc gurU sfihb nyqIrQ iesLnfn nUM ivarQ dwisaf, Aus nUMienHF ivdvfnF ny ies pAuVI ivc lwiBafhoieaf dws idwqf!

ivdvfnF df qIjf kOqk ieh ikisRÈtI dy ijs kfrk nUM gurU sfihb ny‘ajUnI’ dwisaf hY, ienHF ny Aus nUM sjIvbxf idwqf qy Aus nUM imhr BrI ‘ndir’ vIdy idwqI. ieh ivdvfn AudoN qF akl dIsImf hI pfr kr jFdy hn, jdoN kihMdy hnik ijnHF mnwuKF Auqy Aus (rwb) dI ikrpfidRÈtI nf pvy, Auh pfpI bx jFdy hn qyiPr AunHF dI koeI sfr nhIN lYNdf! jy AunHFdI iehI gwl mMn leI jfvy qF bfkI dyjpujI nUM pVHn dI loV hI nhIN, ikAuNikAus ivc vI ieho kuJ iliKaf hovygf!

ivcfiraF pqf lgdf hY ik ajokyiswK ivdvfnF, pujfrIaF qy pRcfrkF vloNgurU sfihb dI bfxI ivc mn-mrjI dyarQ pfAux df muwK AudyÈ afm iswKÈrDflUaF dy mnF ivc BY pYdf krnf hY.jo iswDI sfdI afm smJ ivc afAux vflIgwl gurU sfihb ny iswK ÈrDflUaF dIakl jgfAux leI ilKI sI, Ausy dI cqurvrqoN nfl ieh ivdvfn AunHF dI soc nUMqfly lfAux df kMm krdy hn. sB jfxdyhn ik ies smfj ivc mfnisk sLosLx qoNmfiek sLosLx koeI bhuqf dUr nhIN. iesleI sihjy hI aMdfËf lfieaf jf skdfhY ik gurbfxI ivc ies qrHF dy arQikhVy ihwqF dI pUrqI leI Bry jFdy hn.

kihx nUM ivdvfn lokF nUM gurU nfljoVdy hn, pr pRcfr afpxy ‘BfAu’ dfBfv afpxy svfrQ df krdy hn. iesigafn ivroDI gqIivDI nfl ieh ivdvfnnf isrP afp hI gurU sfihb dI iswKI socqoN vFJy ho jFdy hn, sgoN afm iswK ÈrDflUnUM vI ies qoN prHy lY jFdy hn. hYrfnI dIgwl hY ik ieh prpMc Auh afpxy hI gurUdy punr-jfigRqI aMdoln iKlfP clfAuNdyhn.

ieh iewkly iswK jgq leI nhIN sgoNpUrI mfnvqf leI bVy mfx dI gwl hY ikgurU nfnk ny aiq-hnyry simaF ivckrm-kFzI qy imiQhfsk soc iqafg kyqrk-ivvyk dI ivcfrDfrf apnfAux df

AupdyÈ idwqf. aigafn dy Aus dOr ivcAunHF ny bRfhmxvfdI kUV pRcfr qy rOlygOly nUM iek pfsy kr ky afpxy afp nUMswc nfl joiVaf. swc dI Koj rfhINsicafrf bxn dI iswK-ivDI pCfxI. AunHFny ieh jfgrUk ivDI afp apnfeI qy iesdf dUr dUr jf ky lokF ivc pRcfr kIqf.ies ivDI nUM shI qOr ‘qy jn sfDfrnqIk phuMcfAux leI AunHF ny isDFqk bfxI‘jpujI’ dI isrjxf kIqI qy afpxyÈrDflUaF nUM ieh pVHn leI AuqÈfihqkIqf. ies leI ajoky iswK ivdvfnF qysfry pujfrI qbky df ieh PrjL bxdf hYik Auh jpujI df TIk aiDaYn krkygurbfxI dI Qfh pfAux, pr Auh hn ikies dI Ault ivafiKaf rfhIN jpujI dyarQ hI bdl rhy hn!

kfÈ! pMjfbI bolI ivc vI aMgryËIdy Èbd ‘bfies’ (bias) ijhf koeI KrfZukvF Èbd pRcilq huMdf, ijs nfl smuwcIgurbfxI, Kfs kr ies pAuVI dIivafiKaf afsfn ho jFdI. ies Èbd dfmotf arQ ‘JukfAu’ jF ‘Aulfr’ hY qyivprIq arQ inrlyp jF inrpwK. iehÈbd BfvyN aMgryËI Èbd bfies dy ieMnibMn pUrk nhIN hn, pr iPr vI kuJ kMmclf skdy hn. hor gwlF qoN ielfvf gurUsfihb ny ies pAuVI ivc inrpwK soc dfsMklp idwqf hY. inrpwK soc df Bfv hY,bylfg ho ky ivcfr kr skx dI smrwQf.

gurbfxI anusfr kfm, kRoD, loB,moh qy hMkfr aijhy pMj muwK pRBfv hn,jo mnwuKI soc ivc zol (bias) pYdf kr kyinrpwKqf BMg krdy hn. ieh pMjy pRBfvqrk-ivvyk dy duÈmx mMny jFdy hn. ienHFdy asr hyT mnwuKI soc qrk dlIl dyrfh ‘qy nhIN cl skdI qy swc dI syDivc nhIN jf skdI. gurU sfihb ny inrpwKsoc leI ‘ndir’ Bfv bylfg nËr jFinrpwK idRÈtI (unbiased look orobjective observation) df Èbdvriqaf hY. ndir mnwuKI mn dI pRBfv-mukq rih ky shI shI socx dI kfblIaqhY. ieh Aulfr pYdf krn vfly pRBfvF qoNsuqMqr ho ky arQfq prHF ht ky dyKx dIpRikRaf hY.

hr mF leI afpxf bwcf DI jF puwqrhY, ijs df Auh afp kdy ksUr nhIN kwZdI,pr dUr KVHI aOrq leI Auh iek muMzf jFkuVI hY, ijs bfry Auh afpxI suqMqr rfeydy skdI hY. ies leI mF Aus bwcy bfryswc qoN dUr huMdI hY qy dUr KVHI aOrq swcdy nyVy huMdI hY. ies leI gurU sfihbanusfr iksy vrqfry nUM shI shI smJxleI Aus nUM Aus qoN ipwCy ht ky jF inrpwKho ky dyKxf jrUrI hY. gurU sfihb kihMdyhn, jo aijhf kr skdf hY, Aus kolndir hY Bfv dyKx qy ivcfrn df ZMg hY.Auh iswK hY, Bfv Aus ny kudrq nUM smJxdI ivDI iswK leI hY.

pr ajoky iswK ivdvfn gurU sfihbdy idwqy ies vzmuwly igafn nUM ÈrDf dyaMDkfr ivc rol rhy hn. glq PihmIdf iÈkfr hoey Auh afpxy afp nU Mieiqhfskfr dI QF iswK ieiqhfskfr qybuwDIjIvI dI QF iswK buDIjIvI aKvfAuNdyhn. awj ikMny hI iswK khfAux vflyieiqhfskfr qy buwDIjIvI afpxIaF ilKqFrfhIN pfT-qMqr qy zyrfvfd df pRcfr krrhy hn. mIzIaf cYnlF ‘qy af af AuhprMprf, rihq-mirafdf qy aiDafqmvfddy bhfny aigafn qy pujfrIvfd df smrQnkr rhy hn. ies qrHF Auh gurU sfihb dIpRgqIvfdI ivcfrDfrf nUM dr-iknfr krky ipwCfKV soc dI pYrvI kr rhy hn.hYrfnI dI gwl hY ik gurU sfihb dIaFiswiKafvF dI sB qoN vwD AulMGxf awjiswK sMprdfvF vloN hI ho rhI hY.

zf[ goibMdr isMG smrfEPon: 408-634-2310

jy jug cfry afrjf hor dsUxI hoie gurbfxI igafn

iswKI isDFq hI ieh hY ik hr gwl nUM mMnx qoNpihlF Aus nUM ivcfr vtFdry qy pRIKx rfhIN pUrIqrHF ajmf ilaf jfvy. jy soc hI puwTy pfsy jFdI hovyqF ivsLvfs ivc isr JukfAux df koeI PfiedfnhIN; pr ijnHF dI soc df somf arMB qoN hIaMDivsLvfs irhf hovy, AunHF ivcoN ies soc nUM Kqmkrnf Bfv qrk-ivvyk pYdf krnf kiTn hY. jyies ivcfr nUM ivigafn dy pwK qoN ivcfiraf jfvyqF ieh iblkul shI sfbq huMdf hY. ijnHF lokF dymnF ivc bcpn qoN ivsLvfs rfhIN koeI gwl BridwqI geI hovy, Auh sfrI Aumr AuQoN nhIN inkldI.

Page 23: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (23)

vYsy qF asIN iswK, Kflsf, srdfr,isMG, sihjDfrI iswK, aMimRqDfrI iswKaqy asIN pMQk hF ijhy ÈbdF dy cwkrivc hI AulJy iPrdy hF. kOx krygfAuprokq ÈbdF dI ivafiKaf?

hor s ux o jI! mjhbI is wK,rivdfsIaf iswK, jwt iswK, sYxI iswK,lubfxf iswK, Bfpf iswK, vxjfry iswK,isklIgr iswK, isMDI iswK afid. keIsMsQfvF-dmdmI tksfl, nfnksr dIsMsQf, nfmDfrI sMsQf, inrmly sMsQfafid pRcfrk qF iswK Drm dIaF hn,pRMqU inqnym aqy ardfs afpo afpxIkrdy hn. keI zyry hn, ijnHF dIivcfrDfrf bfby nfnk dI hY aqy zyry clfrhy hn afpxy nFvF ‘qy.

iswK Drm: lohy ‘qy lkIr iswK iekDrm hY. iswK Drm dI nINh rwKx vfly,

iswK Drm dy sMcflk, iswK Drm dysMsQfpk jF kih lvo bfnI gurU nfnkdyv jI hI hn.

Kflsf: Kflsf iek pMQ hY. Kflsfiek POj hY. sMn 1699 dI ivsfKI vflyidn gurU goibMd isMG jI ny Kflsf pMQsfijaf, Kflsf POj sfjI. keIaF pfsoNmYN suixaf ik gurU goibMd isMG jI ny iswKpMQ dI sfjnf kIqI, iek vfr qF iekaYm[ aYl[ ey[ nUM vI gurduafry ivcbolidaF suixaf. so, iswK Drm dy bfnIgurU nfnk dyv jI hn aqy Kflsf pMQ dybfnI gurU goibMd isMG jI hn.

sihjDfrI iswK: ieh Èbd iksvwloN aqy kdoN qoN vrqoN ivc afieaf? vYsy‘iswK rihq mrXfdf’ ivc sihjDfrI iswKÈbd ikqy vI nhIN afieaf hY. hF, sLRomxIkmytI dy votr Pfrm ivc hY, 1995-96ivc dfs ny votr Pfrm Bry sn.

iswK kOx hY? moty qOr ‘qy ijs nypgVI jF dsqfr bMnI hovy, kys/vfl rwKyhox aqy dfVHI Èyv nhIN krdf, Aus nUMsrdfr jI kih ky jF isMG sfihb kih kybulfieaf jFdf hY. smiJaf jFdf hY, iswKDrm df DfrnI hY.

ÈRomxI gurduafrf pRbMDk kmytI,aMimRqsr aqy idwlI gurduafrf pRbMDkkmytI ny vI votF leI iswK dI pirBfÈfbxfeI hY, votF Kfqr kort kys vI cwlrhy hn.

iswK rihq mirafdf dy sPf nON Aupr

vI, ‘iswK dI qfrIP’ ilKI hY, ijs nUM iswKdI pirBfÈf mMinaf jf skdf hY, pr hYlMbI.

iswK Auh iensfn hY, jo dsF gurUaFaqy gurU gRMQ sfihb ivc hI inÈcf rwKdfhY. ho skdf hY, ieh pirBfÈf iksy aMgryËny idwqI hovy. hor vI keI lyKkF aqybuwDIjIvIaF ny ‘iswK kOx hn?’ bfryiliKaf hY.

Kflsy d y p Mj k wkfr-kys,ikrpfn, kCihrf, kMGf aqy kVf hn.pMj kwkfrF qoN pihlF pgVI, jo srdfrIbKÈdI hY, iswKF, isMGF aqy KflisaFdy isrF df qfj hY.

pgVI bfry ivcfr: ivafh-ÈfdI mOky krIb hr ihMdusqfnI pgVIbMndf hY. dunIaF dIaF ElMipks afidKyzF ivc BfrqI iKzfrI jF numfieMdypgVI bMn ky mfrc pfst krdy hn.

sMn 1971 ivc aYs[ aYs[ bI[bMglOr jFdy smyN pUny qoN awgy gwzI ivcjFidaF iek ielfky ivc rMg brMgIaFpgVIaF bMnI lokF dI diraf rUpI lihrvyKI sI, pMjfb vFg koeI nMgy isr nhINsI vyiKaf. sMn 1984-85 ivchirafxf-rfjsQfn dy pyNzU lokF, Kfskr bjurgF nUM icwty rMg dI pgVI bMnIvyiKaf sI.

pgVI BfrqIaF dI swiBaqf dIinÈfnI hY. pfiksqfn, aPgfinsqfn,duwbeI, arb afid musilm dyÈ dy lokvI pgVI bMndy hn, jo eyÈIan lokF dIpurfxI swiBaqf hY. dsm pfiqsLfh gurUgoibMd isMG jI df hukm hY ik iswK dsqfrËrUr sjfAux.

XuwD df mYdfn hovy jF durGtnf hojfvy qF pgVI isr dI rfKI krdI hY,mqlb iswKF df hYlmt hY. grmIaF ivcisr nUM TMzf rwKdI hY qy srdIaF ivcgrm rwKdI hY. kysF nUM Gwty-imwtI qoNbcfAuNdI hY.

pgVI musIbq vyly kMm afAuNdI hY,ijvyN koeI iensfn KUh jF zUMGy toey/KfeIivc izwgf hovy, ndI-nfly, CwpV-toBy ivcruVH irhf jF zuwb irhf hovy, ruwK jF tfvr‘qy Pisaf hovy, rwsy df kMm idMdI hY. loVpYx ‘qy cfdr df kMm idMdI hY. 1971 dIlVfeI vyly iswK POjIaF ny bMglf dyÈ dIaFaOrqF nUM nMgyjL Zkx leI pgVIaF pfV

ky idwqIaF. pwg iswK df qfj hY, Èfn hY,pr musIbq vyly kMm afvy qF isr qoNAuqfrn ivc iZwlH nhIN krnI cfhIdI.

ipwCy ijhy iek iswK ny afpxy pCqfvydI gwl dwsI ik sVk ‘qy hfdsf vfprigaf, svfrI KUn ‘c lQ pQ sI. iekafdmI ny myry pfsoN kwpVy dI mMg kIqI,Aus vyly mYN pgVI AuqfrnI TIk nf smJI.

Gr phuMc ky myry mn ivcoN aYksIzYNt vflfidRÈ jfvy hI nf. afpxI glqI cyqyafAuNidaF mn nUM kosdf hF ik iensfndI iËMdgI bhuq hI kImqI hY, kwpVy dytoty dI pgVI nfloN.

kys: kys kudrq dI dyx hn.iensfn dy srIr ‘qy prmfqmf/kudrq nyhr iek aMg bhuq hI sUJ-bUJ nfl loVmuqfibk hI bKiÈaf hY. mrdF df tOhrmuwCF aqy dfhVI nfl hY; aOrq dI suMdrqfibnf dfhVI-muwC qoN hY. BfrqI irÈI-munIvI kysfDfrI sn. awj vI snfqnI mwq dyqIrQ asQfnF ‘qy keI sfDU kysfDfrI,pwgVIDfrI hn. mYNbr pfrlImYNt vI hn.bMgfl dIaF aOrqF lMby lMby vfl rwKxdIaF ÈOkIn hn. vwzy vwzy ivigafnI,iPlfsPr, ribMdr nfQ tYgor aqy DrmgurU eIsf-msIh qy muhMmd sfihb afidsB kysfDfrI sn. kysF dI sFB-sMBflQoVHf muÈikl hY, pr Krcf Gwt hY, kys

srIr nUM qfkq vI idMdy hn.kyskI: mfP krnf! jy mYN glq hovF.

iksy vyly sMsQf BfeI rxDIr isMG dyguriswKF nfl sMgq kIqI sI, ijnHF dfivcfr sI ik kys qF kudrqI hn, kysF dIsMBfl vfsqy kyskI bhuq ËrUrI hY. sfzyPOjI mihkmy ivc do pwgF pMj pMj mItrdIaF-iek nIlI qy iek hrI, imldIaF

hn aqy do kysrI rMg dIaF kyskIaF.lMbfeI pMj mItr qy cOVfeI pwg df awD(iek pwg dy do ihwsy), ijs qoN aMgryËFvyly nF ipaf, iPPtI. guriswK pihlFpUrI kyskI isr ‘qy vlHytdy, iPr pwg/dsqfr sjfAuNdy, BfvyN Auh POjI hox jFisvl ivc. myry ijhy 95% qF ieklIr hI bMndy hn, iPPtI vjoN. kyskIbMn ky bwDI pwg CyqI kIiqaF isr qoNizwgdI nhIN.

ikrpfn: ikrpfn iek sLsqrhY, jo Bfrq ivc isrP rfjpUq/kÈwqrIlok hI rwK skdy sn. gurU goibMd isMGjI ny Kflsf pMQ sfj ky sB iswKF nUMsLsqr Dfrn df hukm dy idwqf. ikrpfn,sRI sfihb, qlvfr iek hI hn; KMzf,brCf, qIr, ipsqOl, bMdUk afid sBsLsqr hn. sfnUM hukm hY, ÈÈqrF dIvrqoN swc leI, grIb dy hwk leI jFablf dI rfKI leI AudoN hI krnI hY,jdoN gwlbfq rfhIN smJfAux dy sfry

hIly-vsIly Kqm ho jfx. aPsos! asINbfby nfnk dI smJfAux dI ivcfrDfrf nUMBuwl gey aqy hr Kyqr ivc sLsqrlihrfAux lwg pey, clfAux lwg pey,pwgF AuCflx lwg pey aqy dUijaF nUMqmfÈf ivKfAux lwg pey hF. vfihgurUKflsy nUM aqy iswKF nUM sumwq bKÈy ikmYN-myrI Cwz ky ¡ dy JMzy Qwly iekwTyhovx.

kCihrf: kCihrf Kflsy dy Aucyaqy suwcy cfl-cln df sbUq hY. kCihrfgoizaF qwk hMdf hY, ijs nUM do qoN ZfeImItr kwpVf lgdf hY. dsmyÈ ipqf nyXuwD pwKoN mËbUq bxvfieaf, jo DoqI aqykwCy df hI soiDaf hoieaf rUp hY. AuqrBfrqI afm qOr ‘qy kwCf pihndy aqycfdrf bMndy sn. kwCy nUM iek mItr qoNvI Gwt kwpVf lgdf hY. aMgryËF ny POjivc hr iek iswK dI vrdI ivc do kCihryÈfml kIqy. tFvyN tFvyN srdfr hI kCihry

pfAuNdy, bfkI sËf ky rwK Cwzdy qy pihndykwCf hI. keIaF ny kwCy Cwz cwzIaFpfAuxIaF ÈurU kr idwqIaF.

kMGf: kysF dI sPfeI leI kMGfbhuq ËrUrI hY. klgIaF vfly, bfjF vflygurU ny soicaf, ikqy iswK jtf-jUV nf hojfx, so hukm kIqf ik myrf Kflsf idnivc do vfr kysF nUM kMGf krygf. kMGf vIlwkV df hovygf. aMgryË srkfr ny POjIiswKF vfsqy kMGf vI vrdI ivc ÈfmlkIqf, bfkIaF leI kMGI. sMn 1966 ivcpihlI vfr icwty gYNzy df bixaf kMGfimilaf, kihMdy lwkVI vfly nfloN mËbUqhY. ipCoN lwkVI df kMGf vI imilaf. svyryqF hr koeI kMGf krdf hY, pr dUjI vfrkoeI koeI. swc jfxo, afp Qwk tuwt kykMm qoN afey ho, sPr qoN afey ho, isrBfrf hY, pgVI Auqfr ky kyskI bMno, awKF‘qy TMzy pfxI dy iCwty mfro iPr kysF nUM doimMt kMGf kro, sfrI Qkfvt dUr aqyBfrfpx Kqm.

keI bIbIaF aqy vIrF ny kMGy nUMafpxy gfqry nfl bMinaf hY, jo isrPivKfvf hI lgdf hY. soc afpo afpxI.mqlb hY, do vfr kysF nUM kMGf krkysfP rwKxf, jy kysF ivc kMGf itkdf hYqF TIk hY nhIN qF Gry rwKo afpxI imQIjgHf ‘qy.

kVf: lohy df bixaf swjy hwQ dIklfeI qy pihinaf jFdf hY. jdoN vI asINkoeI cMgf kMm krn leI afpxf hwQ awgykrdy hF, pivwqr kVf sfnUM nykI dy horkMm krn leI pRyrdf hY. kMm nykI df hovyjF burf, swjf hwQ hmyÈf mohrI huMdf hY.cMcl aqy ÈYqfn mn jdoN swjy hwQ nfliksy ‘qy vfr krdf hY jF glq kMm krdfjF klm clfAuNdf hY qF gurU goibMd isMGjI mhfrfj vwloN pMj kwkfrF ivc bKiÈafkVf iensfn nUM Xfd krvfAuNdf hY, BfeI,glq nhIN qUM hmyÈf Drm df hI kMm krnfhY.

kuJ gwlF: snfqn mwq vfly hrÈuB kMm ‘qy hvn krdy aqy swjy hwQ dIklfeI ‘qy mfAulI (lfl sUqI Dfgf) dfpivwqr Dfgf bMndy hn. dsmyÈ ipqf nyqF hr iswK dI swjI klfeI ‘qy hmyÈf vfsqypwkf srb-loh df pivwqr kVf (mfAulI)pfieaf hY.

kI kVy dy nfl hI mfAUlI bMnIrwKxf TIk hY?

keI rfjnIiqk iswKF ny kVf pfieafhY, nfl mfAUlI vI bwDI hY, iesy qrHFihMdUaF ny vI. kuJ ieho ijhy iswK vI hn,ijnHF ny mfAUlI dI awtI hI guwt/klfeI qybMn leI, kVf qF Cupf hI idwqf.

dUsry sUibaF, dUsry DrmF vfly,bicaF vfsqy sfQoN kVy mMgvfAuNdy hn.bhuq lokF df mMnxf hY ik kVf pihnxnfl bfhrlI Cfieaf df asr nhIN huMdf.

keI mnmqIey swjy hwQ ivc kVf pfeIisgirtF, bIVIaF dy sUty iKwcdy DUMaFiKlfrdy vyKy. Kflsf jIE! bynqI hY, jyafdmI vfkP hY qF TIk, nhIN qF pihlFbol-cfl kro iPr bhuq hI inmrqf nfladb nfl kho, ÈRImfn jI, afp jI nyaMimRq dy dfqy gurU goibMd isMG jI vwloNbKiÈaf kVf pihinaf hY, so gurU df hukmmMno, isgirt, bIVI, qMbfkU afid nf pIE-KfE, pYsy bcfE, rogF qoN bco qy vfqfvrxÈuD rwKo. aKIr ivc bynqI kro, jy Cwzskdy ho qF afp dI BlfeI, nhIN qF kVfAuqfr dyxf jI. ieh dfs df qjrbf hY.

srbloh jF stIl df hI bixaf kVfpihnxf cfhIdf hY. keI sony dy jF cFdIdy bxy kVy pfeI iPrdy hn. iek dosq nydUjy dosq pfsoN puiCaf bVf vËnI sony dfkVf pfeI iPrdF? hF Xfr ieh kVf myryshurf sfihb ny pfieaf hY. dsmyÈ ipqfvwloN pfieaf kVf shury df kVf bx ky hIrih igaf. sMn 1967-68 ivc sUrfrsflf ivcoN lyK, ‘sony df kVf’ piVHafsI, bfry ivcfr iPr kdy shI.

Bjn isMG isnisnYtIPon 513-498-3907

iswK, Kflsf aqy pMj kwkfr

arbI BfÈf df Èbd hY, ‘sÌdr`ijs df arQ XoDf, dlyr, rx BUmI ivcduÈmx df mukfblf krn vflf vIrnfiek hY. arbI BfÈf df hI Èbd hY,‘Éslq` ijs df arQ afdq jF suBfavI afiKaf jFdf hY. ienHF dohF ÈbdF dfiekwT iek XoDy df suBfa hY. iswK kOmiek aijhI kOm hY, ijs dy suBfa nUMieQoN dy hflfq ny bdilaf hY. pMjfb dI

DrqI pIr-pYgMbrF dI DrqI dy nfl-nfl vIr XoiDaF dI vI DrqI hY. sMsfrBr ivc iswK kOm iek ivlwKx kOm hY.ies ivlwKxqf krky hI ies ny sMsfrBr ivc afpxI iek alwg pCfx bxfeIhY.

dsvyN pfqÈfh gurU goibMd isMG jIny inzr sUrimaF dI iek POj iqafrkIqI, ijs nUM Kflsy df nF idwqf, joburfeI nfl mukfblf krn leI qqprrihMdf hY qy ijLMdgI afpxy leI nhIN,sgoN dUijaF leI ijAuNdf hY. ‘dyh isvfbr moih ieh ÈuB krmn qy kbhU ntro’ BgqI qy ÈkqI df sumyl hY. ‘ÈuBkrmn qy kbUh n tro’ dy nfl nflÈkqI Dfrnf dy vfkMÈ ‘nf zroN ar isE

jb jfie lro’ aqy ‘aiq hI rx my qbjUJ mro’ Èfml hn. ienHF dohF aihmDfrnfvF ivc aMiqm tIcf XkInI ijwq dfhY. Bfv ‘inscy kr afpxI jIq kro’ joinrsMdyh gurU goibMd isMG jI dI byimsflÈKsIaq dy pRgtfE leI iek BfvpUrqpRqIk hY. gurU pfqÈfh jI ny aMimRq dI

dfq bKÈ ky afm lokfeI nUM isMG sUrmybxf idwqf qy AunHF dy suBfa ivc iek joÈBr idwqf.

iek vIr XoDy df suBfa afm lokfeIqoN QoVHf ht ky huMdf hY, Auh hmyÈf cVHdIklf ivc rihMdf hY. Drm XuwD ivc Auhafpxf jIvn arpx krn leI iqafr

br iqafr rihMdf hY.iek sUrmf isdk (swc) leI hmyÈf

jUJdf hY. Auh afpxI slfbq (vIrqf)nfl afm lokfeI dy ihwqF dI rfKI vIkrdf hY. BfvyN ies rfKI leI Aus nUMAukUbq (kÈt) vI imly, Aus nUM vI AuhKuÈI-KuÈI isr mwQy mMn lYNdf hY. ienHFvIr XoiDaf ‘qy bhu-igxqI ivc bIr-kfiv ilKy gey hn, jo bIrqf nUM horAuqÈfh idMdy hn. iek kvI ilKdf hY,

zulHy jF KUn ÈhIdF df,qkdIr bdldI kOmF dI.rMbIaF nfl Kopr lihMdy jFqsvIr bdldI kOmF dI.sUrbIr kOmF dy mhwl iewtF, cUny

qy sImyNt nfl nhIN bxdy, sgoN AunHF leIÈhIdF dIaF hwzIaF, lhU qy srIr cfhIdfhY, jo kOm dy mhwl Ausfrn ivc kMmafvy.

bfbf dIp isMG aijhy XoiDaF ivcoNiek sn, jo afpxf isr qlI ‘qy Dr kyvI duÈmxF df mukfblf krdy rhy.ajokf smF vI aijhy vIr XoiDaF dIloV nUM mihsUs krdf hY, jo nOjvfn pIVHInUM sMBfilaf jf sky. ieiqhfs gvfh hYik jdoN vI iswK kOm nUM iksy qrHF dfkoeI Kqrf huMdf hY, qd koeI nf koeIsUrmf ËrUr pYdf huMdf hY.

sÌdr-ey-Éslq

srbjIq kOr srb

Page 24: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (24)

hrmihMdr cihlPon: [email protected]

cfr ku lwK dI afbfdI vflf amfnÈihr jfrzn dI rfjDfnI hY. ieQoN dI bhuqIafbfdI pwCm vfly pfsy hY, ikAuNik ieDrPlsqIn qoN AujV ky afey lokF df vsybfhY. hornF mulkF vFg ieQy vI Auh dUjydrjy dy ÈihrI hn. kMm krn leI vrkprimt lYxf pYNdf hY. iksy nUM istIËniÈpnhIN iml skdI, iPr vI kuJ lok pVH-ilK ky cMgIaF nOkrIaF ‘qy lwgy hoey hn.vDIaf nOkrIaF kfrn ienHF ‘coN bhuqy lokFdf cMgy ielfikaF ‘c vsybf hY. iesy pfsyhI AurbI ibn vfrz strIt hY.

ieQy cMgf KFdy-pINdy PlsqInI vsdyhn. AuNj qF ieh vwzI strIt hY, pr ivcflyijhy af ky ieko QF qoN ies ‘coN do glIaFhor inkldIaF hn. ieQy iek iqkoxI ijhIbx jFdI hY. iesy iqkoxI dy iek pfsydrimafnf ijhf Gr hY, ijs dIaF iqMnmMiËlF hn. hyTlI mMiËl ‘qy stor dy nflkfr pfrikMg hY. ies qoN Aupr irhfieÈdy nfl zrfieMg rUm hY. qIjI mMiËl ‘qyikcn aqy iekhor bYWz rUm hY.

Aus idn rfqdy 11 ku vwjy snqy sVk krIbsuMnI peI sI, pries iqkoxI ‘qyiqMnF pfisaF ‘qyjfrzn dI KuPIaf

eyjMsI ‘muKfbrq’ dIaF vwzIaF gwzIaFKVHIaF sn. cOQI kfr Gr dy aYn nflKVHI sI. gwzI dy zrfeIvr dI ingHf Auprvwl sI. Auh dyK irhf sI ik Gr ‘cAuqlIaF mMiËlF ‘qy ajy bwqIaF jgrhIaF sn. Aus nUM AuzIk sI ik kdoNbwqIaF bMd hox, Bfv Gr vfly sOx leIbYWz rUmF ‘c cly gey hn. iesy GVI dImuKfbrq vfilaF nUM AuzIk sI.

ieMny nUM iksy dUjy pfisAuN cfr pMjnOjvfn pYdl hI gwpF mfrdy af rhy sn.Èfied iksy klwb ‘coN af rhy sn. Guwt-Guwt lwgI hox krky mUz ‘c sn. ibnfiksy vwzI vjHf dy Auh iek pfsy KVHImuKfbrq dI gwzI dy zrfeIvr nfl bihspey ik qUM ivcfly kfr lf ky glI bMdkIqI hoeI hY. JgVf vDx lwgf qF nOjvfnFny puils swdx dI DmkI idwqI. muKfbrqtIm dy ieMcfrj nUM iPkr hoieaf ik jygwl vD geI qF AunHF dI sfrI Xojnf cOptho jfvygI. Aus ny ikvyN nf ikvyN nOjvfnFnUM TMZf kIqf. Auh qF cly gey, pr rOlfrwpf sux ky Aus Gr dI dUjI mMiËl qoNiek bjurg ny qfkI ‘coN hyTF JfkidaFieh jfxn dI koiÈÈ kIqI ik hyTF JgVfikAuN ho irhf hY. Auh vfhvf dyr dyKdfirhf qF tIm mYnyjr nUM iPr iPkr hoieaf,pr 5-7 imMt ipCoN bjurg ny qfkI bMdkr idwqI.

Gr dI AuqlI mMiËl ‘qy lfeItF ajyvI jg rhIaF sn, ijnHF ny sfrI tIm nUMiPkrmMd kIqf hoieaf sI. afKr krIbiek vjy lfeItF bMd ho geIaF. dUjI mMiËldIaF bwqIaF vI buJ geIaF qF pMdrF kuimMt ipCoN muKfbrq vfly iekdm hrkq‘c af gey. kfrF ‘coN hwty-kwty aPsrbfhr afey qy plF ‘c hI hyTlf drvfjfqoV ky pOVIaF cVH gey. dUjI mMiËl ‘qysoPy ‘qy ipaf bjurg Gbrf ky KVHf hoigaf. Aus nUM afpxy bfry dwsidaF iekaPsr Aus dy isrhfxy KVH igaf qy bfkIAuprlI mMiËl ‘qy cly gey. AuproN bwicaFdy rox kurlfAux aqy cIk ichfVy dIaFavfËF afAux lwgIaF. muKfbrq vfilaFds ku imMt ‘c hI afpxf kMm inbyV ilaf.

jdoN Auh hyTF Auqry qF AunHF kolkMipAUtr aqy ies dy hor sfËo-smfn

dIaF tokrIaF BrIaF hoeIaF sn. iesqoN ibnf AunHF iek afdmI dIaF bfhF mroVky mUhry lfieaf hoieaf sI. bjurg nyzridaF kol KVoqy aPsr nUM puwiCaf ikieh sB kI ho irhf hY? Aus ny juafbidwqf ik kwlH nUM jf ky muKfbrq dy dPqr‘coN pqf kr leIN. hyTF kfr ‘c bihMidaFhI tIm muKI ny ryzIAu ‘qy do vfr sunyhfidwqf, “pYkyj cuwk ilaf hY[[[ pYkyj cuwkilaf hY.” Aus df ieh sunyhf isrPmuKfbrq dy dPqr hI nhIN sgoN amrIkfdI rfjDfnI ‘c nYÈnl isikAuirtI eyjMsIdy dPqr ‘c vI jf puwjf.

amrIkf dI rfjDfnI vfiÈMgtn zI[sI[ dy bfhrvfr nYÈnl isikAuirtI eyjMsI(aYn[ aYs[ ey[) df dPqr hY. pRfeIvysIhwd drjy dI hY. iksy nUM kuJ pqf nhIN ikieQy kI hY? bfhroN koeI afm ijhf dPqrjfpdf hY. vYsy vI koeI afm bMdf qF gytdy nyVy vI nhIN Zuwk skdf, aMdr jfxf qFdUr. aMdr kMm krn vfly bhuq hI cusq,qyË idmfg, kMipAUtrF dy mfhr isikAuirtImfhr hn. aMdr ipaf muwK kMipAUtr koeIafm kMipAUtr nhIN hY. ies df koz nFtrbUlYNs hY qy ies dI kImq koeI pMj sOimlIan zflr hY. dunIaF Br ‘c cwldIaFamrIkf ivroDI kfrvfeIaF dI ingrfnIkrnf ies df muwK kMm hY. purfxy gruwpFdf zftf iekwTf krdf hY aqy jy koeI nvFgruwp hoNd ‘c afAuNdf hY qF ieh Jwt dyxyAus ipCy lwg jFdf hY. ieh ieMnfÈkqIÈflI hY ik dunIaF dy iksy kony ‘cvI pey iksy kMipAUtr ‘coN PfeIlF corIkrnf ies df pl Br df kMm hY; jF iPrAus ‘c mn BfAuNdf zftf iPwt krnf iesleI bVf hI afsfn kMm hY; Bfv dunIaFdf koeI kMipAUtr trbUlYNs dI nËr qoNbc nhIN skdf. dunIaF dy hor ihwisaFivc lokF dy kMipAUtrF ‘qy mfrIaF jfrhIaF cor JfqIaF gupq rwKIaF jFdIaFhn.

ies qrHF dI lukxmIcI KyzidaF2008 dy afKIr ijhy ‘c trbUlYNs dI nËryiek vYWbsfeIt cVH geI. ies nUM clfAuxvfly iensfn df nF sI, abU dujfnf alKursfnI. pihlF qF eyjMsI ny afpxy afpnUM Proilaf, ikAuNik eyjMsI dy sYNkVy kfmyvK-vK PrËI nFvF hyT vK-vKieslfimk vYWbsfeItF afp hI clfAuNdyrihMdy hn, jo aYNtI amrIkn bx kyamrIkf iKlfP Ëihr Augldy hn qydunIaF, Kfs kr musilm sMsfr ivcoN qwqylokF nUM afpxy mgr lfAuNdy hn. ieMjAunHF ivcoN bhuqy grm lokF dI ilst bxfky QFAuN QFeIN AunHF nUM sbMDq srkfrFvloN Kuwzy luafAuNdy rihMdy hn; pr KojpVqfl ipwCoN pqf lwgf ik ieh abU dujfnfal KursfnI koeI aslI aiqvfdI hY aqyafpxy amrIkf ivroDI ËihrIly pRcfrrfhIN musilm nOjvfnF nUM afpxy ipCy lfirhf hY.

iek vfr ingHf ciVHaf qF iPr iesdI Bfl ÈurU hoeI. pihlI Bfl ‘c hI sUeIimzl eIst jf phu McI. hOlI-hOlItrbUlYNs hor awgy viDaf qF Auh jfrzn,jfrzn qoN awgy amfn Èihr jf puwjf.aKIr trbUlYNs ny Aus Gr dI inÈfndyhI

kr leI sI, ijwQy afpxy kMipAUtr qoNabU dujfnf al KursfnI vYWb ‘qy afpxylYkcr pf irhf sI. ieQoN qwk ik Gr dykeI kmiraF ivcoN Aus kmry df vI pqflwg igaf, ijQy abU dujfnf df kMipAUtripaf sI.

agly keI idn eyjMsI abU dujfnfdIaF inwq dIaF kfrvfeIaF not krnlwgI. Auh rfq vyly Ëihr Augldy pRcfrdy lyK afpxI sfeIt ‘qy pfAuNdf sI. huxqwk Aus dy cfhux vfilaF dI igxqI lwKFqwk phuMc cukI sI, jo hr roË bVI bysbrInfl Aus dI nvIN post AuzIkdy sn.

pUrI Koj ipCoN eyjMsI ny aglf kdmcuwkx df PYslf kIqf. Auh sI, jfrzn dIKuPIaf eyjMsI muKfbrq nfl gwl sFJIkrnf. muKfbrq afpxIaF kfrvfeIaFleI dunIaF dIaF bdnfm eyjMsIaF ‘coNiek hY. Aus ielfky dy muKfbrq muKI dfnF sI, alI ibn ËeId. awgy df kMm Ausdf sI. Aus ny dyKxf sI ik abU dujfnfikMnf ku Kqrnfk hY. drimafny lokF dIaF

qF Auh vYWbsfeItF bMd kr ky kMm nbyVidMdy sn, pr keI vfrI zMUGI GoK pVqflvI krdy sn. ies vfr ibn ËeId ny Ërfawgy vD ky ieh dyKx df mn bxf ilafik dyKIey qF shI ik abU dujfnf alKursfnI hY kOx? jo hr post ivcamrIknF dy KUn nfl ipafs buJfAux dIgwl krdf hY.

pYNqI ku sflf ibn ËeId muKfbrqdf qjrbykfr aqy qyË qrfr aPsr sI.Auh amrIkf df piVHaf-iliKaf sI aqyAus df sbMD rfjsI Grfxy nfl juVdfsI. Èfied iesy krky Aus nUM ieMny vwzyahudy ‘qy ibTfieaf igaf sI. ipCly 10-11 sfl dI srivs ny Aus nUM bhuq kfblaPsr bxf idwqf sI. Aus ny keI bVyguMJldfr kys sulJfey sn. vwzy-vwzyaiqvfdIaF nUM dunIaF Br ‘coN cuwkilafAuxf Aus dy Kwby hwQ dI Kyz sI. awgymuKfbrq dI jylH, jylH nhIN buwcVKfnf sI,ijQoN kdy koeI ijAuNdf Gwt hI bfhrinkilaf sI. ibn ËeId gwl nUM lmkfAuNdfnhIN sI. bs ies pfr jF Aus pfr. AuhbVI jldI nqIjy ‘qy phuMcidaF PVyaiqvfdIaF dIaF qkdIrF ilK idMdf sI.ies qoN ielfvf amrIkf ‘c piVHaf hox

kfrn aqy ieQy irhf hox kfrn AuhamrIknF dy nyVy sI. Kfs kr sI[ afeI[ey[ vfly Aus nfl kMm krky bVy KuÈ huMdysn.

KYr! ies kys dI PfeIl Aus kolphuMcI qF Auh hYrfn hoieaf ik Aus dymuwK dPqr qoN kuJ mIl dUr hI koeIaiqvfdI dihsLq PYlf irhf hY. Aus nymuZlI jfxkfrI iekwTI krn leI bMidaFdI izAUtI lf idwqI. jdoN hPqy ku qwk Auskol jfxkfrI phuMcI qF Auh hor vI hYrfnhoieaf. ijs Gr ‘coN abU dujfnf alKursfnI postF pf irhf sI, Auh pVHy-ilKy qy ieËqdfr zfktr df Gr sI.zfktr df nF sI, hmfm KlIl abU mlflal blfvI. hmfm blfvI bwicaF dfzfktr sI aqy XU[ aYn[ E[ vloN mfrkfkYNp ‘c clfey jf rhy hspqfl ‘c kMmkrdf sI. ies hspqfl ‘c afAux vflysfry mrIË krIb muhfjr PlsqInI loksn. afpxy kMm dI vjHf krky hmfmblfvI sB ‘c hrmn ipafrf sI. Auh vI

BfvyN PlsqInI muhfjr Kfndfn ‘coN hIsI, pr ieh ÈFq aqy cMgy ruqby vflfpirvfr sI. Aus df ipAu mfxmwqyaiDafpk vjoN irtfier hoieaf sI.

Aus dy ipCly irkfrz qoN pqf lwgdfsI ik Aus ny amfn dy hI iksy skUl ‘coNhfeI skUl, tfp rihMidaF pUrf kIqf sI.iesy krky Aus nUM awgy dI pVHfeI leIjfrzn srkfr df vËIPf imilaf sI. AusipwCoN Aus ny jfrzn qoN bfhr iesqFbuldI XUnIvristI ‘c dfKlf ilaf, ijQy afmqOr ‘qy dfKlf lYxf bVf muÈikl hY. ieQoNhI Aus ny zfktrI dI Cy sflf izgrI kIqI.ieQy hI pVHidaF Aus df ivafh vI qurkkuVI dPInf bYrk nfl ho igaf. ieMnIpVHfeI krn dy bfvjUd Aus ny vfpsafpxI krmBUmI jfrzn ‘c af ky afpxyhmvqnI lokF leI zfktrI df pyÈfcuixaf.

idwK pwKoN Auh drimafny ijhy kwddf bVf hI ÈrmIlf aqy mfsUm ijhf idsdfsI. jy dUjy pfsy dyKIey qF nf hI Aus nyaqy nf hI Aus dy pirvfr ‘coN kdy iksy nykoeI gYr smfjk kMm kIqf sI. AunHF qFkdy iksy mujfhry vgYrf ‘c ihwsf nhIN sIilaf. bVf ÈFq ijhf pirvfr sI, jo kMm

krdf aqy cMgy ÈihrIaF vFg afrfm dIiËMdgI ibqf irhf sI. koeI vI mfVf vqIrfies pirvfr ‘coN nhIN lwBdf sI. hmfmblfvI ny kdy iek awD trYiPk itkt lYxqoN ibnf hor iksy vI iksm dI kfnUMn qoVnvflI koeI gwl nhIN sI kIqI.

sfrI PfeIl pVH ky ibn ËeId nymwQf PV ilaf, ikAuNik GMitaF bwDI hmfmblfvI dIaF roËfnf srgrmIaF aqy horawgf ipwCf ProlidaF Aus nUM mfsf Br vIsbUq nf lwBf, ijs nfl Auh Aus nUMaiqvfdIaF dI ilst ‘c pf sky; iPr vIibn ËeId abU dujfnf al KursfnI dIvjHf kfrn hmfm blfvI nUM Cwz nhIN sIskdf, ikAuNik abU dujfnf dIaF ilKqFny vYWbsfeIt ‘qy DuMmF pfeIaF hoeIaF sn.lok roËfnf pfeIaF jFdIaF postF dI bVIbysbrI nfl AuzIk krdy sn. Aus dIhr ilKq ienHF lPËF nfl Kqm huMdI sI,“afKr kdoN amrkInF dy KUn nfl myrylPËF dI ipafs buJygI.”

jdoN qoN al kfiedf df do nMbr dflIzr afeImn al jvfhrI iËafdf vIzIAuvgYrf pfAux lwgf sI, AudoN df abU dujfnfvI mÈhUr huMdf jf irhf sI. jdoN hIjvfhrI dI koeI vIzIAu afAuNdI qF abUdujfnf Aus bfry KuwlH ky smJfAuNdf. aglIvIzIAu qwk Auh jvfhrI leI ilKdfrihMdf. abU dujfnf cfhu MidaF, nfcfhuMidaF al kfiedf df bulfrf bx cukfsI. ies sUrq ivc ibn ËeId ikvyN AusnUM KuwlHf Cwz skdf sI? afKr awj dIrfq ibn ËeId ny tIm iqafr kr hI leI.

hmfm blfvI nUM GVIsidaF jldInfl kfr ‘c ibTfieaf aqy kfrF ny ÈUtvwt leI. awDI rfq KflI peIaF sVkF‘qy kfrF hvf bxIaF hoeIaF sn. hmfmnUM ipClI sIt ‘qy eyjMtF ny Guwt ky ivcflyibTfieaf hoieaf sI. Aus df isr kflytop (huwz) nfl Zikaf hoieaf sI. awDyGMty ipCoN kfr cYWk puafieMt ‘qy rukI qFhmfm blfvI smJ igaf ik muKfbrq dfmuwK hYWzkuafrtr af igaf hY. iek cYWkpuafieMt hor afieaf. iPr Aus nUM kfr‘coN iKwc ky Coty ijhy kmry ‘c bMd kridwqf. mUMh qoN top BfvyN Auqfr idwqf igafsI, pr afly-duafly hnyrf hI hnyrf sI.hmfm blfvI nUM kuJ pqf nf lwgy ik sBcwl kI irhf hY!

ieh ies idn qoN krIb do sfl pihlFdI gwl sI, jdoN hmfm blfvI dIaF bwcIaFaqy Gr vflI afrfm nfl suwqy hoey snaqy Auh Kud afpxy kMipAUtr nflicpikaf bYTf afpxf mn BfAuNdf kMm krirhf sI. kuJ hI GMitaF nUM idn cVH jfvygfaqy Auh afpxy kMm, Bfv bwicaF dyhspqfl vl ivdf ho jfvygf. iPr sfrfidn mrIËF ‘c KuwiBaf Auh sB Buwljfvygf, pr ies vyly Gr dI ikcn ‘cbYTf Auh ieslfmI sfeIbr lVfkf ‘abUdujfnf al KursfnI’ bixaf amrIknFaqy ieËrfielIaF dy KUn dIaF ndIaFvhfAux dIaF postF pf irhf sI. Aus nylMmf lyK tfeIp kIqf. iPr hyTF nF abUdujfnf al KursfnI iliKaf. abU dujfnfnF vI Aus ny bVI Koj ipwCoN cuixaf sI.abU dujfnf 7vIN sdI df lVfkf sI, johËrq muhMmd sfihb dy nyVy irhf sI.Auh mhfn lVfkf sI. ieslfm jgq ivchr koeI abU dujfnf dy nF qoN BlI BFqjfxUM sI.

ieDr hmfm blfvI dI awj dI post‘c Aus ny ierfk c lV rhy aiqvfdIaFnUM sMboDn huMidaF ikhf sI ik kwlH nUMamrIknF nUM ies qrHF mfro, ijvyN juafkplya styÈn ‘qy tfrgYWt nUM mfrdy hn.hmfm blfvI ny iek vfr iPr afpxf lyKpiVHaf. pVH ky Aus nUM bVf mËf afieaf.joÈ afieaf. iPr Aus ny btn dwibaf.plF ‘c hI Aus df lyK, ibl borz afeItmvDf al-hsbfh dI vYWbsfeIt ‘qy clf

(bfkI agly sPy `qy)

dihÈqpsMdI ny sMsfr dy bhuq sfry mulk afpxI lpyt ivc ley hoey hn. kOVf swc iehhY ik ies msly df iswDf jF aiswDf sbMD amrIkf nfl juVdf irhf hY. ‘afPIaf isdIkIdf jhfd’ vrgf ieiqhfsk nfvl ilKx vfly Aumdf ilKfrI hrmihMdr cihl ny ies lyKivc iek aijhy ÈKs df jIvn sfzy nfl sFJf kIqf hY, ijs dIaF lVIaF dihÈq dIaFKUMKfr kVIaF nfl juVIaF hoeIaF hn. ies ilKq qoN ieh knsoa vI imldI hY ikdihÈqpsMdI dI dunIaF dIaF ikMnIaF axPolIaF prqF hn, jo afm lokF dy sfhmxy kdIafAuNdIaF hI nhIN. ies lMmy lyK dI pihlI kVI asIN pfTkF dI nËr kr rhy hF. -sMpfdk

zfktr hmfm blfvI aqy Aus dI pqnI dPInf bYrk.

itRwpl eyjMt-hmfm blfvI

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (25)

igaf. al-hsbfh arb vrlz ‘cmÈhUr rYzIkl ieslfimk vYWbsfeIt hY.

AunHIN idnIN ies gwl df iksy nUM vInhIN sI pqf ik abU dujfnf kOx hY? keIAus nUM al kfiedf df Auc kotI df mYNbrsmJdy sn, keI Aus nUM sfAUdI arb dfbfiÈMdf smJdy sn. keIaF leI Auh koeInvIN AuBr rhI ÈkqI sI. kul imlf kyhr iksy dy idl ‘c Aus leI iewjq sI.sI[ afeI[ ey[ jF muKfbrq ijhIaFeyjMsIaF vI Aus nUM koeI vwzf bMdf smJrhIaF sn. keI Aus nUM aeImn aljvfhrI qoN do nMbr df kmFzr smJ rhysn. jdoN qwk hmfm blfvI PiVaf nhINigaf, koeI soc vI nhIN sI skdf ik AuhmrIal ijhf qy inkVy ijhy srIr dfzfktr hY. Auh koeI jhfdI nhIN sI. bsÈOk pUrf krn leI JUTy nF hyT awglfAuNdIaF postF pf irhf sI. iPr jdoNlok Aus dIaF qfrIPF krdy qF Auh aMdrhI aMdr KuÈ huMdf. AudoN Aus dy Xfd-icq vI nhIN sI ik Èugl vjoN ÈurU kIqfkMm Aus dI iËMdgI qbfh krky rwKdyvygf.

hux Auh muKfbrq dy hYWzkuafrtrphuMc cukf sI. ieQy phuMicaf koeI vI bMdfkdy shI sfbq bfhr nhIN igaf sI.bhuiqaF nUM ikQy Kpf idwqf jFdf sI, iesgwl df pqf hI nhIN sI lwgdf. jy koeImuKfbrq df muKbr bx jfxf mMn jFdfqF bfhr af ky Aus nUM susfietI ijAuxnhIN sI idMdI. bhuqy susfietI aqyirÈqydfrF dy sqfey KudkuÈI kr jFdy sn.kuJ mulk Cwz ky Bwj jFdy sn. keIaF nUMkMm inkl jfx ipwCoN muKfbrq afp hIKqm kr idMdI sI, qy hux hmfm blfvIaMdr phuMc cukf sI. Aus nUM pqf sI ikAus df sB kuJ Kqm hY.

---amfn Èihr dy iCpdy vwl muKfbrq

dI kflI iblizMg iksy dYNq vFg KVHI sI.aMdr Coty-Coty sYWlF ivc pqf nhIN dunIaFBr dy ikMny ku aqy ikhVy-ikhVy aiqvfdIbMd sn. ienHF ‘coN hI iek ivc hmfmblfvI bMd sI. bVI dyr ‘c jfrzn nyafpxf aks suDfiraf sI. ies dIieËrfiel nfl sMDI ho cukI sI. ies dfafpxf koeI JgVf nhIN sI, iPr vI ierfndf ihËbuwlf, PlsqIn df hmfs aqyierfk df ËrkfvI gruwp vrq rhy sn.iesy krky jfrzn dI ËIro tflrYNs pfilsIsI. ËrkfvI kdy iesy jylH ‘c bMd irhfsI. iPr ikvyN nf ikvyN inklx ‘c kfmXfbho igaf. Aus ny ies df bdlf lYx dIkoiÈÈ vI kIqI. Aus ny bfrUd aqy gYs dyBry trwk ieDr nUM qor idwqy sn. ieh qFmOky ‘qy pqf lwg igaf, nhIN qF hËfrFmOqF ho jfxIaF sn. iPr ieh muKfbrqhI sI, ijs ny amrIknF nUM ËrkfvI dIjfxkfrI idwqI sI. muKfbrq dy dUhry eyjMtny ËrkfvI dI pUrI jfxkfrI dy ky Aus dfsPfieaf krvfieaf sI.

KYr! aglf idn cVH igaf, ies dfpqf hmfm blfvI nUM AudoN hI lwgf, jdoNieMtYrogytr aMdr afey. AunHF afAuNidaFhI pihlF lwqF, muwikaF nfl hmfm blfvIdI KUb kutfeI kIqI. iPr GsuMn mfridaFiek eyjMt ny puwiCaf, “bol abU dujfnfkOx aY?”

“qusIN jfx eI gey ho, Auh mYN aF.”Aus dy juafb ‘qy eyjMt Bucwky rih gey.jo suafl afm aiqvfdI qoN AuglvfAuxleI AunHF nUM keI idn lfAuxy pYxy sn,ies afdmI ny afp hI dy idwqf. KYr! AusdI qPqIsL ÈurU ho cukI sI. eyjMt iekGMtf kuwt-kutfeI aqy suafl-juafbkrdy qy iPr aMdr sYWl ‘c bMd kr idMdy.do GMitaF dI bryk huMdI sI. ienHF doGMitaF ‘c pihlF qF AuproN pYNdIaF srclfeItF Aus nUM sOx nf idMdIaF. jdoN ËrfhI nINd afAuNdI qF AudoN nUM dUjI tIm afjFdI. ieh kMm sfrf idn cwldf irhf.

suafl qF bVy sn, pr hmfm blfvIkol iksy df juafb nhIN sI. imsfl vjoNAus nUM vK-vK aiqvfdIaF bfry puwiCafjFdf, pr Auh qF kuJ jfxdf hI nhIN sI.iPr Aus nUM puwiCaf igaf ik al-hsbfhvYWbsfeIt kOx clfAuNdf hY. ies bfry vIAus df kihxf sI ik Auh qF ies ‘qy lyKpfAuNdf hY, ies qoN vwD Aus nUM koeI pqfnhIN. Aus nUM hr qrHF ieMtYrogyt kIqfigaf, qsIhy idwqy gey, pr Aus koloN kuJnf inkilaf, ikAuNik Aus nUM pqf hI nhINsI iksy gwl df. ÈOk-ÈOk ‘c Pisaf sIAuh qF. do idn dI ieMtYrogyÈn ipCoN PfeIlibn ËeId kol phuMc geI. Auh ieMtYrogyÈnirport pVH ky hYrfn hoieaf ik ieMnf vwzf

aiqvfdI PiVaf, pr inkilaf kuJ vInhIN. iPr Auh Kud phuMicaf ieMtYrogyÈnkrn leI. sB qoN pihlF Aus ny tirwkvjoN hmfm blfvI nUM cMgy sYWl ‘c iÈPtkrf idwqf. iPr Auh kursI zfh ky Aus dysfhmxy bih igaf. Auh hmfm blfvI dyichry dy rMg pVHdf irhf. idloN ibn ËeIdvI ieËrfiel dy iKlfP sI, pr kOmI nIqIqihq Aus nUM sB kuJ mMnxf pY irhf sI.

kfPI dyr hmfm blfvI df ichrfpVHn ipwCoN Aus nUM lwgf, ijvyN ieh zfktrkflj vyly Aus df jmfqI irhf hovy. idloNAus nUM Aus ‘qy qrs afieaf, pr nOkrIqF nOkrI sI. Aus ny bVy DIrj nflpuwiCaf, “qyrI qPqIsL qoN sfbq hoieaYik qyrf jF qyry pirvfr df kdy aiqvfdnfl dUr df sbMD nhIN irhf. sfzI irportmuqfbk qUM ÈrIP afdmI aYN. iPr iehabU dujfnf al KursfnI vflf ikwsf kIaY?”

hmfm blfvI ny ibn ËeId dy ichryvwl nËrF gwz ky dyiKaf. iPr nIvINpfAuNidaF boilaf, “ÈurU ‘c Èugl vjoNiek-do postF JUTy nF hyT pfeIaF. jdoNkuJ huMgfrf imilaf qF mYN hOlI-hOlI iehpostF inwq pfAux lwgf. AuNj myrf iksyaiqvfd nfl koeI lYxf dyxf nhIN.”

Aus dy juafb ‘c ibn ËeId kuJ nfboilaf qF hmfm blfvI kihx lwgf, “vYsyinjI qOr ‘qy mYN hr iksm dy aiqvfdaqy mfr-mrfeI dy iKlfP aF. mYN qF kMmkrn vflf sfdf ijhf bMdf aF, pr iehpostF hOlI-hOlI myrf ÈOk bx geIaF.mYN abU dujfnf bx ky jo vI postF pfeIaF,Auh isrP ÈOk vjoN pfeIaF. swcfeI iehIaY. awgy jo awlHf dI mrËI.”

qjrbykfr ibn ËeId Jwt smJigaf ik ieh bMdf aiqvfdI nhIN hY. nfhI ies df iksy nfl sbMD hY. Aus dy ÈOkvflI gwl nfl vI Auh sihmq sI. kuJsocx ipCoN Auh boilaf, “cwl hmfmblfvI, jo hoieaf so hoieaf. ipClf Buwljfh. afpF iksy vyly iPr imlFgy. ieMnfkih ky ibn ËeId ny Aus nUM afpxI injIkfr ‘c ibTfieaf qy Aus dy Gr kol lfhafieaf. rsqy ‘c Auh Èihr dIaF,trYiPk dIaF aqy mOsm vgYrf dIaF gwlFkrdy rhy. Gr qoN QoVHI dUr ibn ËeId nykfr rok idwqI. jdoN hmfm blfvI Auqrn

lwgf qF ibn ËeId suBfvk ijhf boilaf,“myry isr qyrf lMc irhf. iksy idn iekwTybYTFgy. nfly swc iek gwl hor[[[?”

hmfm blfvI Auqrdf-Auqrdf rukigaf qy Aus ny ibn ËeId vwl dyiKaf.ibn ËeId ny ikhf, “hfl dI GVI AuhabU dujfnf vflIaF postF AuvyN hI pfAuNdfrih. do cfr idnF bfad imldy aF qFdwsUMgf ik awgy kI krnf hY.”

---guMm-suMm ijhf hmfm blfvI Gr

phuMicaf. Aus dy juafk Aus nUM cMbV gey.Gr vflI vI rox lwgI. Aus ny sB dfidl Drfieaf. ieMny nUM Aus df ipAu aqyBrf af gey. Auh ipCly do idnF qoN Aus

nUM lgfqfr lwB rhy sn, pr hux AuhAunHF qoN pihlF hI Gr afieaf bYTf sI.AunHF dI hYrfnI dI vI hwd nf rhI. sfryAus dy mUMhoN kuJ suxn leI Auqfvly sn.hmfm ny ieMnf kih ky sB dy mn ÈFq kridwqy, “dyKo ieMtYrogyÈn qF myrI bhuqhoeI, pr ieh sB iksy glqI kfrnhoieaf. Auh iksy hor nUM lwB rhy sn qyDwky mYN cVH igaf, pr hux sB gwl sfPho geI hY. afpxy pirvfr nUM koeI KqrfnhIN hY.”

Aus dIaF ienHF gwlF ny sB dy ichrydI rOxk vfps lY aFdI; pr hux qwk roËrfq nUM ÈOk pUrf krn vflf hmfm blfvIaÈFq ho igaf. ieMnf qF Auh smJ hIigaf ik hux muKfbrq nfl Aus df rfbqfbxygf. jy AunHF nfl iml ky cwlygf qFiËMdgI cMgy ZMg nfl cwldI rhU, nhIN qFiPr aMq dUr nhIN.

keI idn lMG gey. Aus nUM ies nvyNiPkr ny aMdry aMdr pRyÈfn krnf ÈurUkr idwqf. Aus dI pqnI dPInf ny Aus nUMbhuq puwiCaf, pr Auh hr vfr tfl jFdf.afKr iek rfq dPInf ny Aus nUM mnf hIilaf ik Auh dwsy ikhVI gwl Aus nUMpRyÈfn krI jf rhI hY?

“dPInf, swc puwCdI aYN qF hux mYNafËfd afdmI nhIN aF. mYnUM aYvyN nHINCwizaf. myry koloN koeI nf koeI kMm qFAuh krvfAuxgy hI.”

“jdoN koeI kMm kihxgy AudoN dyKIjfAU, pr qUM huxy ikAuN idl ZfihaY?”

“dPInf gwl ieh aY ik mYN huxmuKfbrq df gulfm aF.”

“ikDry Bwj ky nHIN jf skdy?” pqnIny nhuM tuwkidaF puwiCaf.

“nhIN! hux Auh afpF nUM pqfl ‘coNvI lwB ilafAuxgy. pqf nHIN kI bxUM?”

“qUM iPkr Cwz. jdoN koeI kMmkihxgy, AudoN dyKI jfAU. qUM huxy ZyrI Zfhky bih igaF.”

pr kihx suxn nfl kuJ nhIN sIbxnf. hmfm blfvI aMdry aMdr sVnlwg ipaf. Aus df Bfr Gtx lwg ipaf.Aus qoN kMm vl vI pUrf iDafn nhIN sIidwqf jf irhf, pr ieMnf ËrUr sI ik iksynUM ieh pqf nf lwgf ik Aus nUM muKfbrqny PiVaf sI. ies df pirvfrk mYNbrF qoNibnf iksy nUM koeI pqf nhIN sI.

iPr iek idn Aus nUM Pon ‘qy sunyhfimilaf ik awj Èfm nUM zfAUn tfAUn dyiksy rYstorYNt phuMcy. Auh idwqy vkq ‘qyphuMc igaf. awgy ibn ËeId KVHf sI. Auhhmfm nUM nfl leI aMdr dfKl ho igaf.ieMny vwzy aqy mihMgy rYstorYNt ‘c afAuxfhmfm leI vwzI gwl sI. aMdr gwlFmfridaF ibn ËeId ny Kfxy df afrzrkr idwqf qy afpxy leI ivskI df pYWgmMgvf ilaf. nfl hI Aus ny hmfm nUMikhf, “hmfm mYN amrIkf ‘c piVHafiliKaf aF, qy mYN koeI bhuqf Dfrimk vInhIN. ies qrHF kdy mOkf imly qF Guwt lfleIdI aY. qUM dws kI leyNgf?”

“bhuqf kwtV qF mYN vI nHIN. kuC vIcwlU.”

“vfh iPr qF gwl bx geI.” ieMnfkihMidaF ibn ËeId ny afpxy nfl hIiek pYWg hor afrzr kr idwqf. QoVHI dyrafm gwlF krdy rhy. iPr QoVHf nÈf hoieafqF ibn ËeId boilaf, “dyK hmfm, jo mYNAus idn kIqf jF hr roË kr irhf aF,ieh myrI nOkrI aY. AuNj nf mYN amrIknFnUM psMd krdF qy nf ieËrfiel nUM.ieËrfiel nUM qF mYN bhuq nPrq krdF.qYnUM pqf eI aY ik ies ny jfrzn df bhuqsfrf ielfkf dwibaf hoieaY. ies gwl ‘cafpxI soc iek aY, ikAuNik PlsqInIaFnfl jo hoeI aY, AuhI sfzy nfl hoeI aY.”

“jI[[[.”“pr dyK! afpxf mulk, mqlb

jfrzn ikwzf ku vwzf mulk aY? sfrI swTlwK afpxI afbfdI aY. qusIN vI hux qFiesy dyÈ dy nfgirk ho. koeI iqMn lwKPlsqInI ieQy rihMdy af. ies hflq ‘cafpxf PrË bxdY ik afpxy dyÈ nUMbcfeIey. afly duafly kI kuJ ho irhY,afpF nUM ids eI irhf aY. ierfk KfnfjMgIny Kf ilaf. ierfn dy afpxy pMgy nHINmuwkdy. AuDr ilbnfn. myrf mqlb afpxfieko-iek mulk aY, ijQy aMdUrnIsmwisaf nHIN aY. afpF afrfm nfl rihnyaF, pr dUjy mulk afpxI ÈFqI brdfÈqnHIN kr rhy.”

“jI mYN smJdF qusIN kI kih rhyE.”

“qyry abU dujfnf vfly kMm nUM mYNiksy hor ZMg nfl vrqxf cfhuMnF. afpxfkMm vI ho jfAU qy duÈmx qfkqF qoN KihVfvI Cuwt jfAU.”

hmfm blfvI boilaf kuJ nf, prAus df ichrf suafl puwCx leI AuqFh nUMAuiTaf. ibn ËeId boilaf, “qUM abUdujfnf vflIaF postF pfAuNdf rih aqy jonF mYN qYnUM dyvFgf, AunHF nfl injI sMprksfDx dI koiÈÈ kr.”

hux qwk hmfm blfvI sfrI khfxIsmJ igaf sI. afKr Kfxf Kf ky Auhbfhr inkly. jfx lwigaF ibn ËeId nyilPfPf hmfm blfvI vl kIqf. Aus nyiJjkdy ijhy ny hwQ agFh vDfieaf qFibn ËeId boilaf, “asIN Kfh-mKfh qyryiqMn idn brbfd kIqy. Aus dI kuJ kuBrpfeI aY.”

hmfm ny tYksI lY leI. rfh ‘c Ausny ilPfPf KoilHaf qF dyiKaf, ivc pMj sOidnfr sn. Aus ny Gr jf ky sfrI gwldPInf nUM dwsI aqy ilPfPf Aus dy hvflykr idwqf. Auh vI pihlF qF socF ivc zuwbgeI. iPr Aus nUM iKafl afieaf qy Ausny hmfm nUM ikhf, “kfPI hwd qwk qF ibnËeId TIk eI kih irhY, pr[[[.”

awgy Auh kuJ nf bolI. donoN hI smJgey sn ik hux AunHF dI iËMdgI muKfbrqdy hwQF ivc hY. agly hPqy iPr ibn ËeIdny hmfm blfvI nUM afpxy Gr bulfieaf.bVy hmdrdI aqy dosqI Bry mfhOl ‘cgwl hoeI. jdoN ibn ËeId nUM lwgf ik hmfmblfvI Aus nfl sihmq hY qF Aus ny gwlawgy qorI, “dyK blfvI, hux afpF afpxymulk dy duÈmxF df sPfieaf krnf aY.qUM afpxI abU dujfnf vflI post rfhIN

ienHF aiqvfdIaF nfl rfbqf bxf. ienHFdy asl pqy lwB qF ik ienHF df KfqmfkrIey.”

“pr ieh qF quhfzI eyjMsI df kMmaY. ieh qusIN krnYN. mYN qF afm bMdf aF.ieh sB krn nfl mYnUM kI imlU?” hmfmny kfPI dyr qoN mn ‘c GuMm irhf suaflpuwiCaf.

“imstr hmfm blfvI, ienHFaiqvfdIaF ‘qy lwKF zflrF dy ienfm ny.ijs-ijs nUM PVfeI jfvyNgf, AuvyN-AuvyN qYnUMienfm imlI jfAU. keIaF ‘qy qFimlIanË dy ienfm ny. Auh sB qyry ny.jy qUM shI ZMg nfl kMm kIqf qF qyry kolieMnf pYsf iekwTf ho jU ik iqMn pIVHIaF qoNnHIN muwkxf.”

sux ky hmfm blfvI nUM Drvfsimilaf. Aus ny Gr jf ky bIvI nUM dwisafik afpF nUM bhuq pYsy imlxgy. jdoNdwisaf ik ieh pYsy lwKF zflr hoxgy qFAus df vI icwq KuÈ ho igaf; pr jo kuJibn ËeId Aus qoN krvf irhf sI, Aus dfisrP mIaF-bIvI qoN ibnf hor iksy nUMpqf nhIN sI. ibn ËeId nfl hr hPqymIitMg huMdI sI. blfvI ny Gr vflI nUMieh vI dws idwqf, “Aus nUM pVHfeI dy bhfnybfhr jfxf pAU. kuJ muKfbrq df kMm hY.ijAuN hI kMm ho igaf, afpF nUM imlIanzflr aqy amrIkf rihx dI iejfËq imljfAU. iPr mËy nfl ijLMdgI guËfrFgy.”

Gr vflI Audfs sI, pr nf kuJ kihskdI sI, nf kr skdI sI. iPr afKrAuh vkq af igaf, jdoN ibn ËeId nyhmfm nUM ikhf ik hux vkq af igaf hYik Auh mulk Cwz ky AuQy jfvy, ijQy ikqyieh aiqvfdI rihMdy hn aqy AunHF nUMPVfAux dIaF skImF bxfvy. ibn ËeIdny amrIknF nfl iml ky nvIN qknflojIdy shfry hmfm blfvI nUM vwD qoN vwDtryinMg idwqI. nvyN qoN nvyN Aupkrn idwqy.jdoN hr pfisAuN iqafrI ho geI qF hmfmny afpxy ipAu nUM ikhf ik Auh Auc pVHfeIleI XU[ aYs[ ey[ jfxf cfhuMdf hY. AuNj,ieh gwl Auh pihlF vI kihMdf af irhfsI, hux Aus ny pwkI iqafrI kr leI sI,pr XU[ aYs[ ey[ dfKlf lYx leI pihlFqurkI jf ky iesqFbul ivc dfKlf tYstdyxf hovygf. awj kwlH Ausy dI iqafrI leIhmfm blfvI lwgf hoieaf sI.

afKr Aus ny itkt vgYrf KrId leIaqy jfx df idn af Zuwkf. Aus ny afpxyCoty Brf asd nUM iqafr kIqf ik AuhAus nUM eyarport qwk Cwz afvy. Aus nybwcIaF nUM Guwt ky buwkl ‘c ilaf, pqnInUM imilaf qy iPr ipAu nfl gwlbfq kIqI.sfry Aus nUM qorn leI iekwTy hoey sn.afKr asd Aus nUM kfr ‘c eyarport nUMlY quiraf. asd pfsy KVH igaf qy hmfmborizMg pfs vgYrf lYx lwgf. sB kMmhox ipCoN hmfm, pfiksqfn jfx vflIeyarlfeInË dI lfeIn ‘c lwg igaf.asd hwdoN vwD hYrfn sI ik ieh kI hoirhf hY. hmfm Aus kol afieaf. Aus nUMGuwt ky jwPI pfAuNidaF ikhf, “qUM myrfCotf Brf aYN. Gr ivc qYQoN ibnf sB smJdyny ik mYN qurkI jf irhF. vfadf kr ikAunHF nUM swcfeI nHIN dwsyNgf.”

“Auh qF TIk aY pr[[[.”“mOkf afAux ‘qy qYnUM sB kuJ dws

idaFgf, pr hfl dI GVI qUM Gr jf kyiehI kihxf hY ik hmfm qurkI clfigaY.”

BfeI ny hF kihMidaF awKF BrleIaF. Auh vI smJ igaf ik koeI nfkoeI Byq vflI gwl ËrUr hY, pr Aus nyvwzy Brf df kihxf mMnidaF cuwp rihxfibhqr smiJaf. Aus dy dyKidaF hI hmfmblfvI pfiksqfnI eyarlfeInË dy jhfjaMdr jf bYTf aqy kuJ dyr ipCoN Auh qurkIdI QF axjfxy mulk pfiksqfn vwlAuzfrI mfr igaf.

(cldf)

hmfm KlIl abU mlfl al blfvI

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (26)

soÈl mIzIaf ‘qy iek gIq suixaf,ijs nUM bhuq lfeIk kumYNt imly hoey sn.bol sn,

qUM mYnUM ÈIiÈaF qoN vwD sfP lwgdIdyKIN nf XkIn krIN gMdlf.DIey qyrI awK ivc dyK kybfpU qyrf bMndf ey Èmlf.ies qrHF dy hËfrF hI gIq, lok gIq

jF gIqF ivc aMqry hoxgy, jo DI nUM iewjqsFBx dI hdfieq krdy hn. muMizaF qoNbc ky rihx jFd Ur rihx dIqfkId krdy hn.aijhy gIqF nUMlok ibnf socy-smJy iekpirvfrk qyswcy-suwcy mhfn

gIq jF rcnf df drjf dy idMdy hn.svfl hY ik iewjq hY kI? dUjI gwl

ipE, BfeI, pirvfr, Kfndfn, muhwly, ipMzdI iewjq kuVIaF ikAuN sFBx? hr bMdfafpxI iewjq afp sFBxo ienkfrI hY aqyiewjq df sfrf boJ DI dy moiZaF ‘qy suwtky afp surKrU ho ky ijAuNdf hY.

BfeI kuJ krn qF iewjq nUM koeI PrknhIN pYNdf. ipE-dfdy ny jmInF vyc KfDIaFhox, sfrI Aumr Èrfb pI-pI twbr dfijAuxf muhfl kIqf hovy-iewjq nUM kuJnhIN huMdf. kuVI nfl koeI bdqmIËI kryjF kuVI khy mYN afpxI mrjI nfl ivafhkrfAuxf hY qF iewjq gfieb ho jFdI hY.

iek cutklf Xfd afieaf ik awgkI huMdI hY? “awg Auh huMdI hY, jo lvmYirj df nF sux ky irÈqydfrF nUM lwgdIhY.”

pVH ky mYN hwsI, pr hY ieh swc.jsvMq isMG kMvl ilKdy hn ik bMdf dUjybMdy qoN ies leI sVdf hY, ikAuNik jo aglynUM iml irhf, Aus nUM nhIN imilaf. iehshI vI hY.

muwdf mYN ieh rwKxf cfhuMdI hF ik

iewjq df sfrf boJ kuVI ‘qy ikAuN suwitafjFdf hY? ikAuN Aus nUM iql-iql mrnleI mjbUr kIqf jFdf hY? ies aKOqIiewjq nUM sFBdy-sFBdy Auh ikMnIaFKfihÈF, cfa, pVHfeI, srIrk-mfniskloVF kurbfn krdI hY.

ies df aMdfËf Kud Aus nUM vI awjqwk hox nhIN idwqf igaf. Aus dy idmfgivc vI ieh gwl ibTf idwqI geI hY ikqyry qn, mn ivc sB dI iewjq rwKI hoeIhY. mYN puwCdI hF, iks ny rwKI hY iewjqaOrq dy srIr ivc, jo luwtI jFdI hY, corIho jFdI hY qF kdy vfps nhIN afAuNdI?

ieh kYsy PobIey df smfj iÈkfr hY!jbrdsqI srIrk sbMD bxfAuxf

aprfD hY, ijvyN kuwtxf, mfrnf, kql,corI afid. doÈI nUM sËf imlxI cfhIdIhY, pr ieh kYsf Ëulm ik aOrq nUM nIvINnËr nfl dyKxf ÈurU kr idwqf jFdf hY.sfrI iËMdgI sB dIaF nËrF ivc AucI-suwcI rihx leI Auh srIrk, mfniskkurbfnIaF krdI jFdI hY. afpxy-afpnUM KfndfnI kihx vfly Grfxy kuVIaF nUMswq pridaF ivc luko ky rwKdy hn.gvFZIaF dy Gr jfxf hovy qF vI koeInfl hoxf jrUrI hY-koeI Brf, mF jF koeIhor isafxI aOrq, ikAuNik ieh sBrKvfly hn, jo Aus nUM hr smyN surwiKaqrwKdy hn.

jy kuVI ieh sB sihxo nFh kry qFbdnfm kIqI jFdI hY, iPr Auhdf koeIBrosf nhIN, pr mrd nUM aijhI koeIsmwisaf nhIN hY, ikAuNik iewjq df Ausnfl koeI lYxf dyxf nhIN hY.

hux qusIN khogy ik kuVIaF bhuqavfrfgrdI krdIaF hn, nÈy vI krdIaFhn qy Èrfb vI pINdIaF hn. iblkul!sB kuJ krdIaF hn, ijvyN sfry mrdmhfqmf nhIN, aOrqF vI nhIN. kuVI iekafm iensfn hY qy Aus ivc afm iensfnvflIaF sfrIaF kmIaF-KUbIaF hoxf vI

suBfivk hY. ijvyN hr psU, pMCI, jfnvr,mnuwK dIaF srIrk-mfnisk loVF huMdIaFhn, kuVIaF dIaF vI hn. hr mnuwK afpxycMgy-mfVy leI Kud ijMmyvfr hY aqy kudrqdy nym anusfr psU-pMCI qy mnuwK afpxybwcy nUM jIvn jfc isKfAuNdy hI hn.

pr kuVI nfl juVI iewjq dI rfKI dynF ‘qy Aus nUM mfnisk pRysLfn kr dyxfikQoN qwk shI hY? kuVIaF nUM ies dy bdlykI Kfs adf kIqf jFdf hY? smfjI ZFcyanusfr Auh nf Gr dIaFhn, nf Gft dIaF.ivafh ‘qy KrcËrUr kIqf

jFdf hY, pr shury Gr duKI hox dI hflqivc duwK sihx leI qy rwb-rwb krkysmF kwtx dI slfh idwqI jFdI hY. mF-bfp zrdy hn ik ikqy pyky Gr af ky nfbYT jfvy. muZly hwk AunHF nUM 2020 ivcvI nhIN imly; nf suqMqrqf imlI, nfbrfbrI, nf surwiKaf. Bfrq ivc hr 20imMt ivc iek blfqkfr huMdf hY.

kivwqrI krmjIq idEn aYlnfbfdilKdI hY,

ipafr mhuwbq df awKrjd myrI kfnI pfAuNdI hY.bfbul dI Èmly vflI pwg

KfbF ivc lihrfAuNdI hY.myrI JFjr dy bolF ‘coNiewjq dI hUMkr gUMjy,bcpn dI guwzI ‘coN jd vIivdroh dI bo afAuNdI hY.myrI awK df bfgI kwjlkflK Qwpdf ichry ‘qy,myrI guwq ruwK ‘qy iek rwsI dIqsvIr bxfAuNdI hY.mYN, myry ipMz aqy skUl dIaF kuVIaF

Kud ies qÈwdd df iÈkfrrhIaF hn. sfzy Gr-

pirvfr aqy skUl ivcaijhf mfh Ol

isrijaf igaf, jodwsdf sI ik muMzfkoeI BUq hY, joq uhfn U M Kfjfvygf. jy Ausny quhfnUM kuJikhf qF Bucfl

af jfvygf. jy iksy kuVI ny muMzy nUMbulfieaf vI qF Auh mfVI kuVI hovygI.ies mfhOl ivc iksy df kI mfnisk ivkfshoxf sI!

dunIaF aOrq qy mrd-dohF nfl hIcldI hY. iek dUjy bfry ies qrHF df mfhOlisrjxf iek qÈwdd hY. ies sB ny sfzyafly duafly iek bhuq zrfvxf qy sihmBiraf mfhOl isrijaf hY.

muMzy sfnUM afpxy sB qoN vwzy duÈmxnËr afAuNdy sn. ijvyN Auh koeI zfkU lutyryhox. ies nËrIey krky mYN kdy kflj dIiËMdgI nf dyK skI. 12vIN ipCoN myrI sfrI

pVHfeI pRfeIvyt hoeI. kflj pypr dyx geImYN muMizaF nUM ieAuN dyKdI sF, ijvyN AuhkoeI rfKÈs hox.

bfl mn nUM bVI smJdfrI nflsihjxf svfrnf pYNdf hY. iek pOdy nUM vDxPulx qy Pldfr ruwK bxn leI hvf, pfxIaqy AupjfAU imwtI dI loV huMdI hY. jy iekbIj nUM imwtI ivc dwb ky cfry pfsy qoN bMdkr dyvFgy qF Aus nUM Pl-Puwl ikvyNlwgxgy?

hr iensfn ivc jËbfq huMdy hn.quhfzy-myry ivcoN kOx hY, ijs nUM sfQI dIloV mihsUs nhIN huMdI? sB nUM iekmihbUb cfhIdf hY, pr ‘myrI BYx iksy dImihbUb hovy, ieh nhIN hoxf cfhIdf.` iehdUhry mfpdMz ikvyN mMny jf skdy hn?

iPlm adfkfr afimr Kfn dI gwlcyqy afAuNdI hY. AunHF df kihxf hY ik hrkoeI afpxy bwcy ivc jvfn BfvnfvF pRgthox qoN zrdf hY, jdik mYN AuzIk krdfhF ik jo KUbsUrq aihsfs mYN hMZfey, myrybwcy Auh sB kdoN mihsUs krngy. iehhoeI aklmMdI dI gwl. aOrq-mrd jFpMCI-jnOr sB ivc BfvnfvF kudrq pYdfkrdI hY aqy ijnHF nUM inkfs cfhIdf hY.jy nhIN imlygf, mnuwK rogI ho jfvygf. jovI kudrqI BfvnfvF dy pRgtfvy ivcrukfvt pfAuNdf hY, Auh aDrmI hY.

Kfs kr gIqkfrF ny sflF qoN puwTyiswDy gIq ilK-ilK ky smfj df byVf grkkIqf hY. mYnUM iek gIq dwso, ijs ivcpuwqF nUM aOrqF df afdr siqkfr krnbfry smJfieaf igaf hovy? muMizaF nUMÈrfbI, guMzy, gYNgstr bxf ky pyÈ krdyhn aqy kuVIaF nUM dsdy hn ik Auh crKfkwqxf Buwl geIaF hn, AunHF nUM hux cwjnhIN irhf. AunHF nUM koeI puwCy, Bly mfxso!jd mÈInF sB kMm krdIaF hn qF kuVIaFikAuN crKf kwqI jfx? kuVIaF zfktr,ieMjInIar, afrkItYkt, pfielt,pRoPYsr, aPsr hn, crKf kwqxf kI iessB qoN vwD jrUrI hY? pfbMdIaF sucwjysmfj dI isrjxf kdy nhIN kr skdIaF,iek sucwjf smfj isrjx leI iËMdgI ‘ciek ivÈfl aqy inrpwK nËrIey dI loVhuMdI hY.

aOrqF dI durdÈf sbMDI sfihrluiDafxvI ny koeI 60-70 sfl pihlFjo nkÈf afpxIaF nËmF qy gIqF ‘c pyÈkIqf sI, awj vI hflfq Auho ijhy hI hn.sfihr luiDafxvI ny aOrq dy jIvn ivclIqRfsdI nUM pyÈ kridaF ikhf hY,

aOrq ny jnm dIaf mrdoN komrdoN ny Ausy bfËfr dIaf.jb jIa cfhf mslf, kuclfjb jIa cfhf Duqkfr dIaf.iqqlI hY khIN dInfroN myN ibkqIhY khIN bfËfroN myN.nMgI ncvfeI jfqI hYaXfÈoN ky drbfroN myN.Xyh voh byieËq cIË hY jo

bt jfqI hY iewËqdfroN myN.aOrq ny jnm dIaf mrdoN komrdoN ny Ausy bfËfr dIaf.dunIaF Br ‘c 8 mfrc ‘ivÈv aOrq

idvs’ vjoN mnfieaf jFdf hY. ies mOkyaOrqF dy sÈkqIkrn nUM lY ky ivÈyÈsmfgm kIqy jFdy hn. aOrqF nUM hwkidvfAux dIaF zINgF mfrIaF jFdIaF hnaqy AunHF dy sÈkqIkrn leI lMmy smyNqoN gwlF cwl rhIaF hn.

jy asIN Bfrq ivc rihMdIaF aOrqFdy jIvn ‘qy Jfq mfrIey qF XkInn sfnUMvwzI nmoÈI df sfhmxf krnf pvygf. ijsaOrq nUM dyvI df drjf idwqf jFdf hY,kMjkF dy rUp ivc pUijaf jFdf hY; ijsaOrq dI kuwKoN dunIaF dy mhfn mhfpurÈF,

nbIaF, pYgMbrF aqy sUPI sMqF ny jnmilaf, ijs ny tIpU sulqfn, Bgq isMG,AUDm isMG, cMdr ÈyKr afËfd, rfmpRsfd ibsiml qy krqfr isMG srfBy ijhysUrvIrF nUM jnm idwqf, awj dy Bfrq ivcAus dI koeI vuwkq hI nhIN smJI jFdI.hflfq qF ies qoN vI bdqr hoey pey hn.

aOrqF nUM hr Drm ivc iewjq qyaihqrfm idwqf igaf hY. ieslfm ivcaOrq dy ruqby nUM ibafn kridaF svrgnUM mF dy kdmF hyT dwisaf igaf hY, jdoNik gurU nfnk dyv jI ny aOrq jLfq dIvizafeI kridaF afiKaf, “so ikAu mMdfafKIaY ijqu jMmih rfjfn]”

awj ies smfj ivc aOrq dI jodurgq qy bykdrI ho rhI hY, Aus dI imsflÈfied pwQr Xuwg ivcoN vI ZUMz pfAuxfmuÈikl hY. ipCly lMmy arsy qoN ijs qrHFiek qoN bfad iek blfqkfrF dIaFGtnfvF GtIaf hn, ijs qrHF vwK vwKÈYltr hfAUsF ivc mOjUd bwcIaF dfmfnisk qy srIrk soÈx kIqy jfx dIaFKbrF afeIaF hn, XkInn Auh sB sfzysmfj ivc ivcrn vfly lokF dI ibmfrmfniskqf df pRgtfvf krdIaF hn.

iek lVkI dy blfqkfr df iÈkfrho jfx ‘qy pIVq aqy Aus dy pirvfrkmYNbrF nUM iensfP leI ijs qrHF dr bdrjlIl-E-Kuafr hoxf pYNdf hY, AuhXkInn duKdfeI qy Kqrnfk hY. sfihrluiDafxvI dy ÈbdF ivc,

mdd cfhqI hY Xyh hvf kI bytI.XÈoDf kI hm ijns rfDf kI bytI.pYgMbr kI Aumwq ËulyKf kI bytI.ipCly 8 sfl qoN ltkdy af rhy

inrBXf kFz dy doÈIaF nUM PFsI dyx dIaFqfrIKF ijs qrHF vfr vfr awgy pfeIaFjf rhIaF hn, Aus nfl asIN pUrI dunIaFivc mjLfk dy pfqr bx rhy hF. jy doÈIaFnUM smyN isr Pfhy lfieaf huMdf qF ÈfiedkTUaf, AunfE, hYdrfbfd ijhIaF drdnfkGtnfvF nf vfprdIaF. aOrqF nfl mrdpRDfn smfj vloN kIqI jFdI byiensfPI qyjulm dy sMdrB ivc sfihr ilKdy hn,

mrdoN ky lIey hr julm rvfaOrq ky lIey ronf BI Kqf.mrdoN ky lIey hr aYÈ kf hwkaOrq ky lIey jInf BI Kqf.mrdoN ky lIey lfKoN syjyNaOrq ky lIey bs eyk icqf.pIVq lVkIaF nUM smyN isr iensfP

nf imlxf XkInn sfzy inaF isstm ‘qyDwbf hY aqy iensfP ‘c huMdI dyrI pIVqqy Aus dy pirvfr ivc mfXUsI aqy smfjdy mfVy ansrF nUM hwlfÈyrI idMdf hY.ipCly sfl icmnIafnMd vfly kys ivcividafrQx nfl jo hoieaf, Aus bfry sfryhI BlIBFq jfxdy hn. aijhy hflfq kfrnawj ikMnIaF pIVq lVkIaF afpxy nflhoey soÈx ‘qy cuwp Dfr lYNdIaF hn.

byÈwk srkfr vwloN ‘bytI bcfE, bytIpVHfE` nfary lfey jFdy hn, pr kuJ

ividak sMsQfvF `c ijs qrHF lVkIaFnfl BydBfv kIqf jFdf hY, Aus nUM vyKidaFlwgdf hY ik ijvyN ieh Aukq nfairaF nUMdMdIaF icVf rhy hox. Gtnf gujrfq dyiek ieMstIicAUt dI hY, ijwQy iek ipRMsIplny 68 ividafrQxF dy kwpVy isrP iehjfxn leI luhfey ik pqf lfieaf jf skyik sYnytrI pYz iks kuVI ny suwitaf sI.ieh gwl vI sfhmxy afeI ik AukqieMstIicAUt `c pVHdIaF kuVIaF nUM jdoNvI mhfmfrI afAuNdI hY qF AunHF idnF dOrfnAunHF vfsqy kuJ Kfs hdfieqF jfrIkIqIaF geIaF hn. ijvyN lVkIaF nUMhostl dI QF bysmYNt ivc rihxf pYNdf hY,Auh rsoeI ivc nhIN vV skdIaF qy pUjfafid nhIN kr skdIaF. klfsF ivc vIipCly bYNcF `qy bYTxf pYNdf hY.

ijQoN qwk kfljF aqy XUnIvristIaFdf svfl hY, awj ieh adfry vI lVkIaFleI surwiKaq nhIN hn. ipCly idnINaijhI hI iek Kbr ny sfzI afqmf nUMJMjoV ky rwK idwqf. ies anusfr gfrgIgrljL hostl ivKy guMzf ansrF nylVkIaF dIaF CfqIaF nUM mDoilaf qysqnF nUM noicaf aqy kwpVy PfVy gey. ieQoNqk ik bfQrUmF ivc bMd krky AunHFsfhmxy hsqmYQun kIqf igaf. sfihrluiDafxvI ilKdf hY,

ijn sInoN ny Aunhy dUD dIaf,Aun sInoN kf ivEpfr kIaf.ijs koK myN Aunkf ijsm Zlf,

Aus koK kf kfrobfr kIaf.ijs qn sy Augy kONpl bn kr,Aus qn ko ËlIl-E-Kuafr kIaf.ies qoN pihlF idwlI dy jfmIaf

imlIaf ieslfmIaf dIaF ividafrQxFnfl puils ny jo durivhfr kIqf, Aus nUMpUrI dunIaF ny hI vyiKaf. ies sMdrBivc XUnIvristI ividafrQxF dy sMgTnny puils ‘qy qÈwdd dy gMBIr doÈ lfeysn. ies qoN pihlF aijhf kuJ hI jy[aYn[ XU[ ‘c vfpiraf. AuQy vI guMzf ansrFny XUnIvristI kY Nps ivc jf kyividafrQxF dI kuwtmfr kIqI sI.

ipCly idnIN ijs iek hor Gtnf nyrONgty KVHy kr idwqy, Auh sI 14 idn dIjylH kwt ky afeI iek Aus ivDvf mF dIkhfxI, ijs df koeI jurm nhIN sI. AusnUM dyÈ DRoh dy mukdmy ivc slfKF ipwCyzwk idwqf igaf. Aus df jurm isrP iehsI ik ibdr (krnftk) dy ÈfhIn skUlivc bwicaF vloN sI[ ey[ ey[, aYn[ afr[sI[ aqy aYn[ pI[ afr[ dy ivroD ivciewk zrfmf kIqf igaf sI, ijs ivc AusdI bytI ny ihwsf ilaf sI. bwcI dI mFivruD dyÈ DRoh df mukwdmf drj kr kyAus nUM bwcI qoN judf kridaF 14 idnFleI ihrfsq ivc Byj idwqf igaf. aKIrivc sfihr dy ienHF ÈbdF nfl hI mYNafpxI gwl mukfvFgf,

aOrq sMsfr kI iksmq hYiPr BI qkdIr kI bytI hY.avqfr pYgMbr jnqI hYiPr BI ÈYqfn kI bytI hY.Xyh voh bdiksmq mF hYjo bytoN kI syj py lytI hY.

DIaF, iewjq aqy smfj

ÈimMdr, sRI mukqsr sfihbPon: 91-75268-08047

mdd cfhqI hY afj hvf kI bytI!

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Page 27: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (27)

Bfrq df pihlf aKbfr: bMgfl gËtihMdosqfn dy pihly aKbfr ‘bMgfl gËt’ aMgryË pwqrkfr jymË agsqs ihwkI ny 29jnvrI 1780 ƒ klkwqf ivc sLurU kIqf. bMgfl gËt ƒ ‘klkwqf jnrl aYzvrtfeIËr’aqy ‘ihwkIË gËt’ dy nF nfl vI jfixaf jFdf sI. ies ipCoN ihMdosqfn ivc keI aKbfrinkly, ijnHF ny mulk dI afËfdI dy Gol `c vI Xogdfn pfieaf. jymË ihwkI ny vfrnhysitMgË, jo AudoN eIst ieMzIaf kMpnI df Bfrq c vfiesrfey sI, iKlfP KuwlH ky iliKaf.ipCoN brqfnIaf srkfr ny vI vfrn hysitMgË iKlfP irÈvqKorI df mukwdmf clfieaf.

gurpRvyÈ isMG iZwloN

cOvI agsq 1600 ƒ aMgryËF nyihMdosqfn dI DrqI 'qy vpfr aqy iesfeIDrm dy PYlfa dI mnÈf nfl hI pYrDiraf sI pr bfad ivc AunHF ieQy afpxfrfj hI kfiem kr ilaf. afpxI hkUmqdy sflF dOrfn AunHF ny ieQy keI iksm dypRÈfsink, smfijk, qknIkI, kfƒnI aqyhor suDfr kIqy. cfhy ienHF suDfrF ƒaxicqvy jF inwjI ihwqF dI pUrqI leIkIqy mMinaf jFdf hY, pr ies gwl qoNienkfrI nhIN hoieaf jf skdf ik ienHFsuDfrF sdkf hI ihMdosqfn ivc keIienklfbF ƒ hulfrf imilaf aqy gwl

agFh vDI. ihMdosqfn ivc jnsMcfr dImoVHI gwzx vfly vI aMgryË hI sn. awgycwl ky jnsMcfr dy ÈkqIÈflI hiQafr'aKbfr' ny hI dyÈ dI afËfdI leI rfhpwDrf krn ivc aihm BUimkf inBfeI.

ihMdosqfn dy pihly aKbfr 'bMgflgËt' dI ÈurUafq jymË agsqs ihwkInfmI aMgryË ny 29 jnvrI 1780 ƒklkwqf dI DrqI 'qy kIqI. bMgfl gËtƒ 'klkwqf jnrl aYzvrtfeIËr' aqy'ihwkIË gËt' dy nF nfl vI jfixaf jFdfsI. hr Èincrvfr Cpdf hPqfvfrI'bMgfl gËt' 12 ieMc lMmf, 8 ieMc cOVf,cfr pMinaF df pwqr sI ijs ƒ iqMn kflmFivc vMizaf hoieaf sI. ies aKbfr dIÈurUafq AunHF vyilaF 'c hoeI, jdoN pUrIdunIaf 'c keI aihm GtnfvF aMgVfeIaFBMn rhIaF sn. 1776 'c aMgryËF nyafpxI pihlI klonI, amrIkf, guaf leIsI aqy PrFs ivc ienklfb dI iPËfrumkx lwgI sI. ies hvf dy bu wlyihMdosqfn dI qqkflI rfjDfnI klkwqfivc vI afAux lwgy sn.

afierlYNz dy jMmpl ihwkI nyieMglYNz 'c rihMidaF keI DMidaF ivciksmq aËmfeI pr sB pfsy Gftf hIpyÈ ipaf. aKIr PrvrI 1773 ivc AuhihMdosqfn afieaf aqy smuMdrI vpfrkrn lwgf. ieQy vI bury hflfq ny Aus dfipwCf nf Cwizaf aqy iek idn BfrI qUPfnkfrn Aus df jhfË zuwb igaf ijs kfrnAus dI afriQk hflq zfvFzol ho geI.krËdfr hox aqy krËf nf moV skxkfrn Aus ƒ jylH jfxf ipaf. iesy jylH'c rihMidaF Aus ny CpfeI df sfmfnKrIidaf aqy CpfeI dy DMdy ivc pY igaf.iehI DMdf awgy cwl ky 'bMgfl gËt' dyjnm df sbwb bixaf.

jymË agsqs ihwkI ies gwl qoNjfxU sI ik Aus df aMgryË hoxf afmpfTkF ƒ ies aKbfr dy eIst ieMzIaf

kMpnI pwKI hox df pRBfv dy skdf hY.ies BulyKy ƒ dUr krn leI Aus ny aKbfrdy nfm (mfsthYWz) hyTF iek nfarf'bMgfl gËt- srb sFJf hPqfvfrIisafsI aqy vpfrk pwqr ijhVf iksypfrtI dy pRBfv Qwly nhIN' iliKaf. ihwkIny afpxy aKbfr 'c hr Aus Kbr ƒjgHf idwqI jo klkwqf leI mhwqv rwKdIsI. sVkF dI Ksqf hflq qoN lY ky aMgryËaPsrF dy aflIÈfn bMgilaF 'c huMdyiBRÈtfcfr qwk dIaF sB KbrF ƒ ihwkI nybVI ihMmq aqy dlyrI nfl Cfipaf.

imsfl vjo N p urqgflIaF d ykbrsqfn kol rihMdy bMgfl gËt dy iekpwqrkfr ny Kbr CfpI ik ies Coty ijhykbrsqfn 'c hr vrHy 400 murdy ibnFqfbUqF qoN dPnfey jFdy hn aqy mOnsUn 'cqyË bfrÈF kfrn ienHF kbrF dI imwtI KurjFdI hY. kbrF 'c sVdIaF ienHF lfÈF dytukVy mINh vfly pfxI 'c Gul ky pIx dypfxI 'c af rldy hn aqy Aus ƒ plIqkr idMdy hn ijs kfrn lokF ƒ ibmfrIaFhuMdIaF hn. iesy qrHF iek pwqrkfr nyiliKaf ik kMpnI ƒ sVkF 'qy gldIaFpÈUaF dIaF lfÈF ƒ cuwkxf cfhIdf hY.

Aus vyly bMgflI grIb lok PUs dIaFCwqF dy Gr bxfAuNdy sn aqy grmIaF 'caksr hI ienHF dy GrF ƒ awg pY jFdIsI. bMgfl gËt 'c ienHF GtnfvF df ivÈyÈiËkr huMdf sI. ienHF KbrF dI bdOlq hI

suprIm kort ny klkwqf ivc Gfh dIaFCwqF vfly Gr bxfAux 'qy rok lfAux aqyÈihr dIaF sVkF dI hflq suDfrn dIhdfieq kIqI. 'bMgfl gËt' ivc aMgryËFdIaF POjI muihMmF bfry vI byiJjk ho kyCfipaf jFdf sI. ihwkI ny afpxIaF ilKqFivc eIst ieMzIaf kMpnI Auqy ihMdosqfnIirafsqF ƒ Dwky nfl afpxy rfj ivcrlfAux dy iswDy doÈ lfey. jdoN aMgryËhYdr alI hwQoN pOlIlUr dI jMg hfry qFkMpnI ieh Kbr lukfAuxf cfhuMdI sI prihwkI ny KuwlH ky ies bfbq iliKaf aqyhYdr alI vloN aMgryË ispfhIaF nflkIqy mnuwKI vrqfa dI ÈlfGf kIqI.

ihwkI dI ilKx ÈYlI sfihqk nhINsI pr Auh ivaMgfqmk coBF ilKx ivcmfihr sI. Auh Aus vyly dy mrd pRDfnsmfj df vI hfmI sI aqy aOrqF sbMDIiviÈaF 'qy ilKx lwgf aksr mrdF ƒaOrqF qoN Aupr dwsdf sI. ihwkI ny pfTkFnfl iswDf rfbqf kfiem krn leI AunHFƒ Kq aqy kivqfvF ilKx leI vI pRyiraf.ies aKbfr dI KfsIaq, ies ivc Cpdy'sMpfdk dy nF Kq' aqy puMgrdy kvIaFleI inrDfirq 'poiets kOrnr' nfmIkflm sn. ienHF kflmF ËrIey hI ihwkIny lokF ƒ hkUmq dy kMnIN afpxI avfËphuMcfAux df ËrIaf bKiÈaf.

eIst ieMzIaf kMpnI ny 'bMgfl gËt'rfhIN huMdy ivroDI pRcfr df tfkrf krn

leI nvMbr 1780 ivc afpxI srpRsqIhyT 'id ieMzIaf gËt' nfmI aKbfr ÈurUkrvfieaf. ies aKbfr dy sMcflk bI[mYisMk aqy pItr rIz nfmI aMgryË sn.qqkflI gvrnr-jnrl vfrn hysitMgËny 'id ieMzIaf gËt' leI zfk syvf vImuPq kr idwqI jdoNik ihwkI ƒ afpxfaKbfr zfk rfhIN Byjx bdly pYsy adfkrny pYNdy sn. hysitMgË dy ies PYsly nyihwkI aMdr roh Br idwqf aqy Aus ny vfrnhysitMgË 'qy iswDy ÈbdI hmly ÈurU kridwqy. hysitMgË iKlfP Cfpy iek lyK 'cAus ny doÈ lfieaf ik Auh guaFZI sUibaFƒ Dwky nfl hiQafAuxf cfhuMdf hY. ihwkIny hysitMgË ƒ 'gRyt mugl' df lkb dyxdy nfl-nfl Aus dI mrdfngI 'qy vIAuNgl cwkI.

ihwkI ny isrP vfrn hysitMgË ƒ hIinÈfny 'qy nhIN sI ilaf sgoN AudoN dIaF dohor vwzIaF hsqIaF nfl vI iswDf mwQflfieaf. qqkflI ikRÈcIan imÈn dy afgUjOn ËYkfirs kyrnYNzr 'qy Aus ny ieklyK rfhIN doÈ miVHaf ik Aus ny anfQbwicaF dI pVHfeI leI rwiKaf pYsf KfDf hY.

ihwkI bVf cusq sI aqy mfxhfnI dydfaivaF qoN bcx leI aksr afpxy'iÈkfrF' ƒ inwky nFvF nfl sMboDn krdfsI. Auh bMgfl dI suprIm kort dy pRmuwK

1780 ‘c ÈurU hoey ‘bMgfl gËt’ dy 3-10 mfrc 1781 vfly aMk df muKVf.

jymË agsqs ihwkI

jwj aYlIjfh ieMpy df iËkr afpxy aKbfrivc 'pUlbMzI' nF hyT krdf sI. ihwkI nyieMpy df ieh nF ies leI rwiKaf sI ikAuNikAus (ieMpy) 'qy diraf dy pul aqy bMnHpwky krn dy Tyky 'coN pYsy Kfx df doÈ sI.

sfeImn zroË nfmI iek aMgryËrfhIN vfrn hysitMgË dI pqnI mrIamhysitMgË ny ihwkI qoN 'bMgfl gËt' leIzfk syvf kr-mukq krvfAux bdlyirÈvq dI mMg kIqI pr afpxy asUl dfpwkf ihwkI ies leI rfËI nf hoieaf. vfrnhysitMgË ƒ ihwkI dI ies hYNkV 'qy guwsfafieaf aqy Aus ny 'bMgfl gËt' leIzfk syvf mukMml qOr 'qy bMd krn dfhukm dy idwqf. ihwkI ny ihMmq hfrn dIjgHf 20 zfkIey rwK ley ijhVy Aus dfaKbfr pfTkF qwk phuMcfAux lwgy przfk syvf bMd hox nfl 'bMgfl gËt' dIpRisDI ƒ BfrI swt vwjI.

ihwkI dI klm ƒ KuMZf krn leIaMgryË aPsrF ny pUrI vfh lf leI.aKIr jd Auh ihwkI ƒ Gyrn 'c nfkfmrhy qF 12 jUn 1781 ƒ hysitMgË aqykyrnYNzr ny Aus 'qy mfxhfnI df dfavfTok idwqf. ies kys 'c Aus ƒ 2000 rupeyjurmfnf aqy kYd hoeI. ihwkI BfvyN iesmukwdmy 'coN bfad ivc brI ho igaf prnfl dI nfl Aus Aupr keI hor mfxhfnIdy mukwdmy clf idwqy gey ijnHF dIGuMmxGyrI 'c Auh AulJdf clf igaf.Auh iPr vI nf Gbrfieaf aqy jylH 'crihMidaF vI aKbfr kwZdf irhf aqyaMgryË hkUmq ivruD ilKdf irhf. afKradflq ny mfrc 1782 ivc Aus dI pRYsËbq krn dy hukm dy idwqy. ihwkI lMmyarsy bfad jylHoN Cuwitaf qF mukwdimaFkfrn Aus dI afriQk hflq kmËor hocuwkI sI. Aus ƒ dyÈ inkflf dy idwqf igaf.aiq dI afriQk qMgI nfl jUJdf ihwkIaKIr 1802 'c cIn ƒ jFdy jhfË ivcPOq ho igaf.

ihwkI qF BfvyN axjfx mOq mr igafpr Aus dIaF ilKqF dI kImq peI. ienHFilKqF dy isr 'qy hI jwj aYiljfh ieMpyaqy gvrnr jnrl vfrn hysitMgËiKlfP mhFdoÈ dI kfrvfeI aml 'cilaFdI geI qy AunHF ƒ afpxIaF nOkrIaFqoN hwQ Doxy pey. isrP pRYs hI nhIN sgoNpRYs dI afËfdI aqy qfkq df aihsfs vIsfƒ aMgryËF ny hI krvfieaf hY.

jymË agsqs ihwkI qy dIvfn isMG mPqUn df irÈqf?kI jymË agsqs ihwkI aqy

dIvfn isMG mPqUn ivc koeI irÈqfhY? nhIN. pr Èfied hY. Auh ieh hY ikafpxy aKbfr 'c KbrF Cfpx kfrnkeI vfr ijvyN ihwkI Auqy mukwdmy cwly;Ausy qrHF aMgryËF dy Ëmfny 'c CpdyAurdU dy hPqfvfrI 'irafsq' dysMpfdk dIvfn isMG mPqUn Auqy smyNdy rfijaF, mhfrfijaF ny bhuq sfrykys kIqy. safdq hsn mMto muqfibkAurdU dI pwqrkfrI ivc dIvfn isMGmPqUn df AuhI ruqbf sI jo Aus smyNdy aMgryËI aKbfr 'bMby sYNtInl' dysMpfdk bI[jI[ hfrnImYn df.

m Mt o m uqfibk "dIvfn is MGmPqUn ny afpxI pihlvfnI df Ëor keIaKfiVaF ivc idKfieaf. vwzIaF-

vwzIaF irafsqF nfl pMjf lVfieaf.akflIaF nfl tfkrf hoieaf. mfstrqfrf isMG aqy srdfr KVk isMG nfl

dIvfn isMG mPqUn

qlvfrbfËI kIqI. musilm lIg nflvI liVaf. pulIs ƒ vI ncfieaf.KuafËf gysUdrfË hËrq inËfmI nflmÈkrIaF kIqIaF. qIh qoN Auqy mukwdmyclfey gey aqy hr vfr surKrU irhf.bhuq vwzf aqy bhuq mÈhUr mukwdmf(jo nvfb Bopfl ny Aus 'qy clfieafsI) ijs ivc AunHF ƒ Èfied Aus smyNdI kYd dI sËf idwqI geI sI jo AunHF nyhvflfq ivc guËfiraf sI. srdfrsfihb ny isafxy jwj dy ieh Èbd KfsqOr 'qy afpxy ibafn ivc drj kIqyhoey sn: "mYN srdfr dIvfn isMGmPqUn dI ihMmq dI dfd idMdf hF joafpxy sIimq sfDnF dy bfvjUd lMbysmyN qk iek ÈihËfdy df qndyhI nflmukfblf krdf irhf."

awj df ienklfbImuwKf afpxy afp nU M bVf vwzf

kRFqIkfrI smJdf sI aqy srkfry-drbfry phuMc bxfAuxI cfhuMdf sI, prafrQk mMdI Aus dI pyÈ nhIN sI jfxidMdI. ieh iewCf pUrI krn leI Aus nypMmy klwc nfl nyVqf vDfAuxI ÈurU kIqI.klwc Èihr dy amIr bMidaF ivcoN iewksI, ijs dI isafsI aqy gYr isafsIKyqrF ivc pUrI puwC-igwC sI. srkfricwitaF dI huMdI jF kfilaF dI, klwc dIqUqI boldI hI rihMdI.

muwKf hmyÈf klwc dI jI hËUrI krdf.kdy-kdy ibnf khy Aus dI mihMgI kfrsfP krn lwg jFdf. kfr sfP kridaFAuh afpxy afp nUM klwc smJx lwgjFdf. kdy Aus vFg qurn dI koiÈÈ krdf,kdy nOkrF ‘qy rohb JfVdf.

klwc kdy kdy muwKy nUM Kfxy vfly myj‘qy vI bulf lYNdf. klwc dy brfbr bYTfmuwKf afpxy afp nUM klwc qoN Gwt nfsmJdf. iewk idn klwc ny muwKy nUM ivskIpIx leI afpxI inwjI bfr ivc bulfieaf.dovyN do-do glfs ivskI pI cuky sn. muwKynUM Xfd afieaf ik Auh qF kRFqIkfrI hY.klwc iksy vI qrHF dI kRFqI dy hwk ivc

nhIN sI. hux ijvyN muwKy aMdr ienklfbqVP irhf sI. Aus qoN irhf nf igaf. Ausny pMmy nUM ikhf, Xfr qYnUM kihx nUM idlvI nhIN krdf qy irhf vI nhIN jFdf. myrfidl krdY iewk nfarf ienklfb iËMdfbfddf lf lvF.

pihlF qF klwc nUM guwsf afieaf,iPr Aus ny soicaf, muPq dI cfplUsIvfly bMdy ikwQy lwBdy awj kwl! Aus nyJwt hwl kwiZaf qy ikhf, dyK muwiKaf,afpxI af XfrI pwkI. qUM ieAuN kr mUMhaqy muwTI bMd krky bFh hvf ivc AuCfllY, qyry idl nUM skUn iml jfAU. muwKy nUMQoVf burf lwgf, iewk kRFqIkfrI nUM iehjvfb?

eyny nUM Pon dI GMtI vwjI. klwc Ponsuxn igaf. iewDr kRFqI dy joÈ ivcglqfn kRFqIkfrI dovyN glfs KflI krnipCoN muwTI bMd kr ky bFh hvf ivclihrfAuNidaF hOlI ijhI ienklfbiËMdfbfd kihMdf afpxy afp nUM ijwiqafmihsUs krn lwgf.

-jgjIq Kosf

imnI khfxI

Page 28: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (28)

kYnyzf ivc pMjfb dIaF mihkFtorFto ivc myry keI ipafry ÈfigrdF

df vfsf hY, ivnIpYWg ivc myrI DI aqyiÈkfgo ivc myrf puwqr rihMdf hY. mYN ienHFÈihrF dI keI sflF qoN lgfqfr Xfqrfkr irhf hF. jdoN 1994 ivc pihlI vfrkYnyzf igaf sI qF socdf sF ik mYƒ iksyiksm df sPrnfmf ilKx dI ËrUrq nhIN.jy ilK skF qF nftk ilKxf cfhIdf hY.nqIjy vjoN 1996 ivc kYlgrI aqyaYzmMtn dy klfkfrF ƒ lY ky nftk‘kYmlUps dIaF mwCIaF’ mulk Br dyÈihrF ivc Kyizaf ijs df kfPI crcfhoieaf. ies nftk df iek klfkframrjIq sohI bfad ivc kYnyzf dIPYzrl srkfr df kYbint mMqrI vI

bixaf. ies gyVIqoN bfad 8-10vfr AuqrIamrIkf d y d odyÈF, kYnyzf aqyamrIkf ivc jfx

df mOkf imilaf ijs dOrfn mYN afpxynftkF df inrdyÈn vI kIqf aqy AuQoN dynftkF qy jIvn ƒ vI dyiKaf. awj mYƒlwgdf hY ik mYN AuQoN dy siBafcfrk aqyklf nfl juVy afpxy kuJ anuBvF ƒpfTkF nfl sFJf kr skdf hF.

torFto grytr eyrIaf ivc anykFinwky-vwzy Èihr hn ijQy vwzI igxqI ivcpMjfbIaF df vfsf hY, ijvyN rYkszyl,skfrbro afid. brYNptn qF hY hIpMjfbIaF qy ivÈyÈ krky iswKF df gVH.hux Aus qoN aglf Èihr kYlyzn vI sfzylokF ny mwlxf ÈurU kr idwqf hY. ijDriek BfeIcfrf vwsx lwgdf hY, bfkI vIAus pfsy qurnf ÈurU ho jFdy hn. bhuqGwt aYsy ielfky hn ijQy hr iksm dIsFJI vsoN hovy qy Aus df koeI sFJfikrdfr vI idwsy. keI vrHy pihlF grytrtorFto eyrIaf dy Èihr imsIsfgf dy kuJielfikaF ivc pMjfbIaF dI vwzI igxqIsI pr hux jdoN AunHF ielfikaF ivcpfiksqfnI lokF dI afmd vD geI hY qFihMdosqfnI pMjfbIaF ny AuQoN plfien krilaf hY. ijQy sfzy pMjfbIaF dI bhu-igxqI hox lwgdI hY, AuQoN cIny jF goryhor pfsy cly jFdy hn. ies ƒ lfËmI qOr‘qy nFhpwKI vrqfrf nhIN smJxf cfhIdf.hr iksm dy lokF dIaF vwKrIaF loVFaqy siBafcfrk dbfa hn ijs krkyAunHF df iekwTy hoxf sfrQk vI hY. GrylUvsqF dI pUrqI dy stor quhfzIaFsiBafcfrk aqy Kfx-pIx dIaF ivÈyÈ

loVF df iKafl rwKdy hn. nhIN qF nyiVAuN-qyiVAuN rsoeI dy msfly lwBxy vI muÈiklho jfxgy. BfrqI rYsqorF AuQy hI KuwlHxgyijQy AunHF dI BrpUr vsoN hovygI. skUlFivc pVHn vfly hor bwcy jy afpxysiBafcfr ivcoN hox qF mfipaF dy mnivc surwiKaf dI Bfvnf bxI rihMdI hY.

ienHF vrqfiraF dy apvfd vI hn.bhuqy amIr afdmI afpxy BfeIcfry dyÊrIbF ivc rihx dI bjfie dUjy amIrFdf sfQ Bfldy hn. bhuq iËafdf pVHy-ilKy lokF ivc vI aijhI rucI dyKI jfskdI hY. ipMzF dy KuwlHy mfhOl ivcoN geylok jdoN cMgI rotI Kfx lwg jFdy hn qFduryzIaF QfvF ‘qy vwzIaF jfiedfdF KrIdky mihlF vrgy GrF ivc vI rihMdy hn;AunHF ‘coN keI Pfrm hfAUs hn. kuJ kMmF-kfjF dIaF mjbUrIaF vI huMdIaF hn.grytr eyrIaf dy ÈihrF ivc mMg vDx dynfl ikrfey aqy mkfnF dIaF kImqF ivcZyr sfrf vfDf ho igaf hY. nqIjy vjoN sO-svf sO iklomItr dy aMdr pYNdy hor inwky-inwky ÈihrF ivc vI pMjfbIaF dI igxqIbhuq vD geI hY ijvyN ikcnr, inafgrf,hYimltn, vftrlU, gulP, kYNbirj afid.qyËI nfl dOVdy hfeIvya lokF ƒ AunHF dykMmF Auqy QoVHy vkq ivc phuMcx ‘c mddkrdy hn.

torFto ivc iswKF dI vwzI igxqI hoxkfrn AuQy bhuq sfry gurduafry hn. iesdy nfl-nfl ieh vI swc hY ik keI vfrsfzy Drm sQfn afpxy lokF dI aMdrlIrfjnIqI ƒ cmkfAux df aqy AunHF dysvfrQF df vI kyNdr bx jFdy hn. iesyleI muwK Dfrf rfjnIqI ƒ vI ienHF dI loVhY, ikAuNik AunHF dIaF votF vfsqy vI ieQyhI afDfr iqafr huMdf hY pr ivdyÈ ivcDrm sQfnF df keI iksm df afsrf vIhuMdf hY. ieh sQfn BgqI-Bfv dy nfl-nfl siBafcfrk myl-imlfp leI, bwicaFvfsqy afpxy ieiqhfs aqy bolI dI iswiKafdy kyNdr vjoN, pMjfbI KyzF vfsqy afpxIvsoN ƒ muwZlf afDfr dyx leI, kimAUntIivc vfprdIaF cMgIaF-mMdIaF gwlF Auqyivcfr-vtFdry leI aqy sQfnk smfijkqy rfjsI vrqfiraF ƒ smJx-smJfAuxdf kMm vI krdy hn. torFto ivc iekdrjn qoN vwD vwzy gurduafry hn. ds kusfl pihlF bxy gor roz gurduafrf dI

iemfrq iblkul sfz y m ulk dygurduafiraF vFg hY jdoNik bfkI gurU-GrF dI iemfrq pwCmI aqy BfrqIiemfrqkfrI df imlfp jfpdI hY.

Kflsf zrfeIv ‘qy siQq izksIgurU-Gr (ENtfrIE Kflsf drbfr)ENtfrIE rfj df vwzf gurduafrf hY ijQypRbMDkF dI cox vI huMdI hY. 40 eykVËmIn dy mflk ies gurduafry dI afpxI

Èfn hY ijs dI iblizMg ivc ieko smyNpMj hfl bxfey jf skdy hn. ieAuN iewkovyly keI aKMz pfT Dry jFdy hn. pMjfbqoN gey bhuq sfry rfgI jQy gurduafry dyaMdr hI Tihrdy hn aqy vfrI isr AunHFƒ kIrqn krn df mOkf imldf hY. psMddy rfgIaF ƒ lok GrF ivc vI lY jFdyhn. hirmMdr sfihb qoN bfad ieh ÈfieddunIaF df iewko-iewk gurduafrf hY ijQysvyry cfr vjy qoN rfq ds vjy qwkgurbfxI kIrqn huMdf hY aqy inrMqr lMgrvrqdf hY. izksI gurduafry ivc keI vfrafpsI vYr-ivroD vI huMdf hY aqy mfmlykcihrIaF qwk vI phuMcdy hn. 1984dIaF pMjfb dIaF duKdfeI GtnfvF qoNbfad suBfivk qOr ‘qy lokF ivc Bfrqsrkfr aqy Kfs krky kFgrs ivruDguwsf brkrfr hY. ies df mqlb iehnhIN ik lok Bfjpf jF akflI srkfr qoNKuÈ hn. awj vI qkrIbn hr gurduafryivc Kfilsqfn iËMdfbfd dy nfary ilKyhoey hn. iesy krky Bfrq qoN jfx vflybhuq sfry rfjsI nyqfvF ƒ ienHFgurduafiraF ivc bolx dI afigaf vInhIN imldI. gurduafry qoN ielfvf horiksy QF ‘qy eynI vwzI sMgq ƒ sMboDnkrnf sMBv nhIN. jy koeI aijhf Xqnkrdf hY qF ies ƒ gurU-Gr dy ivroDvjoN vI ilaf jf skdf hY.

Awj kwlH torFto ivc pMjfbI rMgmMccVHdI klf ivc hY. bhuq sfry nftkF dIirhrsl vI gurduafiraF vloN AuQy bxyCoty-Coty hflF ivc huMdI rhI hY. AuNjkYlIPornIaf ivc iqafr kIqy nftk ‘gdraYkspRYs’ dIaF irhrslF mYN AuQoN dy iekmMidr ivc kIqIaF sn. myrf anuBv bVfivlwKx hY. mYƒ 1999 ivc gurU goibMdisMG dI jnm ÈqfbdI dy sbMD ivc

guridafl isMG Puwl df nftk ‘siB ikCuhoq Aupfie’ iqafr krn leI swidafigaf sI. ijs gurU-Gr ivc asINirhrslF kr rhy sI, kuJ idnF bfadsfƒ AuQoN Cwz ky jfx df hukm hoieaf.gurduafrf pRbMDkF ƒ ieqrfË sI ik sfzItIm ivc kuJ lok kfmryz sn, kuJinrMkfrI aqy kuJ dfrU pIx vfly. svflieh hY: kI Auh AuQy afpxI kfmryzI idKf

rhy sn jF dfrU pI rhy sn? AuNj vIBfeIcfry dy sfry ivafh gurU-GrF ivchuMdy hn. cMgI gwl ieh hY ik PyiraF vflyidn mYirj pYlys df lMc nhIN kIqf jFdfblik gurduafry ivc lMgr Ckfieaf jFdfhY ijhVI bVI ishqmMd iprq hY pr mYNsocdf hF ik pRbMDkF kol aijhf kI qrIkfsI ijs nfl Auh ivafh ivc afieaF dftYst kr skdy hox ik Auh kYsy hn?mYƒ ies Gtnf ‘qy sdf aPsos rhygfpr ieh vI swc hY ik ies nftk dIaFbfkI irhrslF ÈRomxI iswK sMgq nF dygurU-Gr ivc hoeIaF.

torFto qoN anykF pMjfbI cox lV kyENtfrIAu rfj aqy kYnyzf dy kyNdr dIpfrlImYNt ivc aksr pRqIinDqf krdyhn. ies vyly kYnyzf dI pfrlImYNt ivc20 pMjfbI aYm[pI[ hn aqy cfr mMqrIhn. kYnyzf dI pfrlImYNt dy aMdr hrsfl ivsfKI smyN aKMz pfT qy kIrqnhuMdf hY. bhu-siBafcfr dI ies qoN vwzIimsfl kI hovygI ik pRDfn mMqrI trUzokeI vfr ibnF dwsy-puwCy aOtvf dy gurU-Gr ivc mwQf tykx clf jFdf hY? sfzylokF ny AuQoN dI trFsport, vpfr, motl,rIaYlitMg, PfeInFÈl, lIgl, bImfsyvfvF afid KyqrF ivc siqkfrXog QFbxfieaf hY. sfry kYnyzf dI awDI qoN vwDtRikMg pMjfbIaF dy hwQ ivc hY. ijMnf kYnyzfny pMjfbIaF ƒ apxfieaf hY, Èfied iksyvI hor mulk ny nhIN apxfieaf. iesyleI sfzy lokF ny smfj syvf ivc vIimsflI Xogdfn pfieaf hY. ieMglYNz dIivÈv pRisD sMsQf Kflsf eyz ny dunIaFBr ivc iËkrXog kMm kIqf hY. 1999 qoNAuh sfrIaF mnuwKI ibpqfvF dOrfn afpxIs yvf kr rhy hn. trkI, kFg o,aPgfinsqfn, ieMzonyÈIaf, sIrIaf,

kInIaf, iPlIpInË ieMglY Nz aqybMglfdyÈ vrgy mulkF ivc jdoN vI mnuwKAuqy ibpqf peI ies sMsQf ny ieiqhfskkMm kIqf. myry iek jfxkfr anusfrtorFto dy lokF ny ies puMn vfsqy KuwlH kydfn idwqf. torFto dy pMjfbIaF ny ivlIamEslr hspqfl, brYNptn ivc 10-12sfl pihlF keI imlIan zflr dIshfieqf dy ky ‘gurU nfnk’ dy nF ‘qyhspqfl df iek ivMg bxvfieaf ijs ƒgurU nfnk aYmrjYNsI srivs izpfrtmYNtdf nF idwqf igaf. iekwly hrpRIq syTI nypMj lwK zflr Byt kIqy. iesy qrHF kuJsfl pihlF krYizt vYlI hspqfl ivcvI ivc iswK/pMjfbI BfeIcfry vwloN idwqygey dfn nfl ‘gurU nfnk vfrz’ bixafhY. ipCly anykF sflF qoN jsivMdr KosfdI agvfeI ivc hr aYqvfr lMgr pkfky AuQoN dy aYboirjnl lokF (afid-vfsIaF) ivc vrqfieaf jf irhf hY. iekhor mfarky df kMm ‘syvf PUz bYNk’ dIsQfpnf hY ijs ivc ipCly kuJ smyN qoNlokF ny 12 lwK zflr dfn dy rUp ivcidwqy. ieQoN koeI vI loVvMd afpxy pirvfrvfsqy suwkI rsd lY jf skdf hY. hrhPqy qkrIbn 500 qoN 1000 pirvfries df lfB lY rhy hn. kmfl dI gwlieh hY ieQoN rsd lY ky jfx vfilaF ivckoeI ivrlf-tFvF hI pMjfbI huMdf hY. huxAunHF ny gYr-pMjfbIaF ƒ pMjfbI KfxfbxfAux dI jfc vI isKfAuxI ÈurU kr idwqIhY. ieQoN gey ividafrQI pihlF vFg huxvI gurU-GrF ivc jf ky lMgr Ckdy hn.syvf-Bfv vjoN awj kwlH dupihr dy Kfxydf itPn vI pYk krky idwqf jFdf hY. ienHFpMjfbIaF ny gurU sfihbfn dy imÈn ‘qyshI ZMg nfl cwl ky sfzf sB df isrAucf kIqf hY.

pMjfbIaF ny hr Kyqr ivc BrpUrqrwkI kIqI hY. sfzI kimAUintI ivc bhuqcVHdI klf hY pr qyËI nfl dOV rhy iesÈihr ivc afrfm nhIN hY; bycYnI hY. afmbMdf bycYn hY ikAuNik Aus ny afpxf kMm-DMdf bcf ky rwKxf hY. jy Aus dIaFidhfVIaF nhIN lwgxgIaF qF Auh cMgIrotI nhIN Kf skygf. sfdI rotI qF ieMzIafvI idMdf sI. afm bMdf pVH-ilK ky jfvyqF Aus ƒ afpxI Xogqf dy hfx df kMmnhIN imldf. iksy ƒ lIgl mfeIgRYNt hoxdf iPkr hY, koeI pirvfr ƒ ilafAuxfcfhuMdf hY. GrF dIaF ikÈqF qfrn df vIvwzf boJ hY. keI kfrnF krky cMgy-Blycldy ibËns dyKdy-dyKdy qbfh ho jFdyhn. hwsdy-Kyzdy, puÈqF qoN vwzy GrF ivcvwsdy qy amIrI Bogdy lokF dy mnF aMdrvwKry sihm hn ijnHF ƒ svIkfr krnfvI muÈkl hY. ies zr ƒ mMnxf AusPYsly dI hfr hY ijs krky asIN AuQy geysI. AunHF ƒ aOlfd dy bykfbU ho jfx dfiPkr hY. icMqf hY ik kuVI prfeI nsl dfmuMzf nf lwB lvy. pryÈfnI hY ik muMzfÊlq rfh ‘qy nf qur pvy. Èwk hY ik bIvI/KfvMd iksy bfhrly irlyÈniÈp ivc qFnhIN. ieh sfry iPkr ihMdosqfn ivc vIhn pr eyQy AunHF dI Èkl bdl jFdI hY.dohF QfvF ‘qy dOV hY pr Bfrq ivc iËafdfdOV afpxy afp ƒ awgy lY jfx dI hYjdoNik AuQy dOV dUjy qoN vI awgy jfx dI hY.gwzIaF, kfrF aqy ivafhF dy pwDr ƒlgfqfr vDfAuNdy rihxf bhuq ËrUrI hoigaf hY. ieQy asIN sMBlx leI sMGrÈkrdy hF pr Tyzf lwg jFdf hY. AuQy afdrÈBflx jFdy hF aqy PRstryÈn ivc KudtwkrF mfrn lwgdy hF. ieQy qklIP hY iksfzy kol sfDn nhIN hn. AuQy duwK hY iksfDn qF hn, pr asIN shI qrHF vrqnhIN sky. drasl, mnuwKI vrqfrf bVfguMJldfr hY!

kYnyzf dy Èihr brYNptn dy ivlIam Eslr hspqfl ivc gurU nfnkdyv jI dy nF ‘qy bixaf aYmrjYNsI vfrz.

pMjfbIaF ny dUjy mulkF ivc jf ky KUb mwlF mfrIaF hn. ienHF ivcoN iek mulk kYnyzf hY.kYnyzf ivc hux aijhy keI Èihr aqy sUby hn ijQy pMjfbIaF df bol-bflf hY. hor qF hor,prvfsI pMjfbI isafsI Kyqr ivc vI ipCFh nhIN hn. pMjfbIaF dy ienHF smuwcy pwKF bfrycrcf mIzIaf aqy sfihq aMdr aksr huMdI rihMdI hY. AuGy nftkkfr afqmjIq nypMjfbIaF dI ies cVHq bfry invyklIaF gwlF afpxy ies lyK aMdr kIqIaF hn. -sMpfdk

iswK syvf susfietI dI syvf dI Jlk.

afqmjIqPon: +91-98760-18501

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (29)

ipCly hPqy pMjfb klf pRIÈd,cMzIgVH dy rMDfvf afzItorIam ivcbinMdrjIq bMnI dy iQeytr grup ‘ieMpYktafrts’ vloN cfr roËf nft Auqsvrcfieaf igaf, ijs ivc cfr htvyN qyvDIaf nftkF-sfhb isMG df ‘vYjfeInftfk’, afqmjIq df ‘irÈiqaF df kI rKIeynF’, ajmyr aOlK df ‘JnF dy pfxI’ aqyvInf vrmf df ‘mYN hux sYWt hF’ df mMcnhoieaf. safdq hsn mMto dI khfxI ‘toBftyk isMG’ dI pYV nwpx vfly nftk‘irÈiqaF df kI rwKIey nF’ rfhIN Bfrq dImOjUdf vMz pAU siQqI dy iBafnk nqIjypyÈ krn sdkf smyN dI loV Auqy pUrfAuqrdf hY. ies ivc pUrI vwsoN nUM pfglKfnydf rUp dy ky ies dy pfqrF nUM DrqI qoNeyny AuKVy qy AulJy idKfieaf igaf hY ik1947 dI dyÈ vMz ny AunHF nUM Aukf hIjVHhIx qy inQFvyN kr Cwizaf sI.

sMn sMqflI dy swq dhfky purfxypfglpn nUM drsf ky dyÈ vfsIaF nUMvMzIaF qoN pYdf hox vfly vihÈIpn qoN cyqMnkrnf ies df mUl mMqv hY.

vYjfeInf tfk Bfv ‘XonI crcf’ isrPies leI htvF qy pRBfvI nhIN ik iesivclI crcf vFg Auh nftk pihlF hIsmyN dI ksvwtI Auqy pUrf Auqr cwuky hn.‘XonI crcf’ df ivÈf aCUqf hI nhIN, smyNdI loV pUrI krdf hox kfrn mhwqv rKdfhY. ibjleI qy ipRMt mIzIaf hr afey idnies dy gMBIr qy vihÈI nqIijaF nUMAuGfVdf hY. vYjfeInf tfk df klfqmkrUp sfhmxy afAuxf srb-ivafpk hovynf hovy, pRBfvI hY.

ijQoN qwk milkf isMG df svfl hY,Auh koml klfvF dy ivÈy dI grYjUeyt hY,pr adfkfrI Aus nUM ipqf sfihb isMG qymF roËI qoN ivrsy ivc imlI hY. Auh jIvnivc ikQoN ikwQy phMucdI hY, smyN ny dwsxf

hY! binMdrjIq bMnI dy ieMpYkt afrtsdf ieMpYkt ijMdfbfd!

ieiqhfsk qy imiQhfsk pRmfx dyky mOjUdf BfeIcfry dI blfqkfrI soc nUMBMizaf igaf hY. ies dI pyÈkfrI eynIpRcMz hY ik drÈk qy sroqy burI qrHF kIlyjFdy hn. sfihb isMG dI bflg bytImilkf isMG dI adfkfrI ny aijhIaFisKrF CUhIaF hn ik AunHF df koeI jvfb

nhIN. milkf dI gwl ivsQfr nfl krndf mqlb ieh nhIN ik ieMpYkt afrtsvloN krvfey bfkI nftkF ivc dm nhIN,‘irÈiqaF df kI rwKIey nF!’

pqf lgdf hY ik kwlH qwk XonI qyilMg dI gwl vrijq hox kfrn hIblfqkfr ibrqI nUM AuqÈfhimldf irhf hY. mnwuKI mndIaF BfvnfvF nUM dwb lYxfhI ies dy nMgy nfc dfkfrn bixaf hY. cMzIgVHqoN pihlF do vfr aMimRqsrdI pfTÈflf ivc Kyzy jfxqoN pihlF ies ivÈy df mMcniÈkfgo (amrIkf) qoN ibnf pwCmdy hor ÈihrF ivc ho cukf hY. iewk XU[ ky[dI ÈYPIlz hYlm XUnIvrstI ivcgYrkfnUMnI aprfD dI aiDafpkf mDUmqIpFzy ny vI inrBY kFz qoN ipCoN jylHF ivcbMd 142 doÈIaF nUM ieMtrvIAU krky AunHFdI mfniskqf dI jVH vI iehIE lwBI sI,jo ies nftk ivc pyÈ hY.

sMXukq arb dyÈF dy ichnckr: XUnfeIitz arb amIrfq (XU[ ey[eI[) arb dyÈF df aijhf kutMB hY, ijsdI afpxI vsoN qF isrP 15 pRqIÈq hY,85 pRqIÈq lok bfhrly dyÈF qoN roËI rotIdI Bfl ivc AuQy gey hoey hn. XU[ ey[ eI[ivc kqr, Èfrjfh, advfhn, afbU DfbI,duwbeI, dohf, ajmfn afid keI inwky inwky

dyÈ hn. pMjfbI lyiKkf kfnf isMG df bytfhrdIp isMG afnMq ajmfn dy istIXUnIvrstI kflj ivc pRoPYsr hY. kfnfisMG ipCly hPqy AuQy jf ky afpxy bytydy ÈuBicMqkF, ividafrQIaF qy AunHF dy

mfipaF dIaF slfmF lY ky qy AuQoNdy vsnIkF dy ichn ckr nfl

mflf mfl ho ky afeI hY.ajmfn dy gurduafry

geI qF pqf lwgf ik iesdI AusfrI df bIVf qFisMDI iswKF ny cwuikaf sI,

pr ajmfn dy bfdÈfh dfmfiek Xogdfn sB qoN vwD sI.

sfrI vsoN ies nUM nfnk drbfr kihky siqkfrdI hY. kfnf dy jfx qoN pihlfAuQy gurU nfnk dyv jI df 550vF pRkfsLpurb Èfno-ÈOkq nfl mnfieaf igaf sI.

sfgrI qwt nUM Cwz ky sfry df sfrfielfkf ryqlf hY, ijQy koeI Psl nhINhMudI. 19vIN sdI dy awD qwk lokF dI roËIrotI df sfDn smuMdrI zfky sn, jo smFpf ky moqI, mwCIaF PVn qy msfilaF dyvpfr df rUp Dfr gey. sMn 1962 qoN qylqy gYs dI lwBq ny AunHF dy jIvn ivcienklfbI qbdIlI ilaFdI hY. sony dyirMmF vflIaF motr gwzIaF dy mflk hoxfies df sbUq hn.

roËI rotI leI AuQy phMucI 85% vsoNgujrfq qy kyrl dy lokF dI hY, jo vwzIaF

dukfnF qy PrmF dy mflk hn, pr BfrqIaqy pfiksqfnI pMjfbI qy isMDI vI GtnhIN. kfnf dy byty hrdIp df kihxf hY ikijMnf iewjq mfx sfzy pMjfbIaF nykmfieaf hY, pfiksqfnI vsoN nhIN kmfskI. Auh ies df ishrf pMjfbIaF dInIaq rwjI hox dy isr bMnHdf hY. kfnfisMG nUM ipwCy dI icMqf nf hMudI qF Aus nypqf nhIN ikMnf smF AuQy rukI rihxf sI,BfvyN AuQoN dI ryq ny hr pfsy sIq lihrvrqf rwKI sI. ieQoN nfloN vI vwD.

cyqy rhy, 77,700 vrg iklomItrivc vsdy AuQoN dy 25 lwK qoN vwD lokFleI pIx leI hI nhIN, KyqI dy Xog krnvfsqy vI ies dy lUxky qy kwlrI qwqinqfrny pYNdy hn, ijs df jugfV sB Coty-vwzy dyÈF ny kr rwiKaf hY. kmfl hIkmfl!

aMiqkf: hridafl sfgrbhuq mYly rsiqaF rfhINqMU kIqf hY sPr,iewk smMudr ny ndI dypYr Do ky afiKaf.

htvyN, pRBfvI qy adwuqI nftk inwksuwk

gulËfr isMG [email protected]

jIvnpRIq kOrPon: +91-84370-10461

dI bfËI bx jFdf hY.hux svfl ieh hY ik jy prvfs sfzI

mfniskqf 'qy ies kdr hfvI ho igaf hYqF ies leI iËMmyvfr kOx hY? kI iesislisly ƒ roikaf jf skdf hY? iessfry vrqfry ivc iek gwl spÈt hY ikpMjfbI nOjvfnF ivc imhnq dI kxI ajyvI brkrfr hY. ivdyÈ jf ky vI sfzy bwcyafpxI imhnq nfl hoNd ƒ iswD qF krhI rhy hn. jy ikqy sfzIaF srkfrF ienHFbwicaF ƒ afpxf hunr aËmfAux dfmfhOl pRdfn krdIaF qF Èfied ieh bwcyawj ies imwtI dI rOxk vDf rhy huMdy prsfzIaF rfjnIqk pfrtIaF, BfvyN AuhswqfDfrI hox jF swqf qoN bfhr prvfs dyruJfn pRqI sMjIdf nhIN lwgdIaF.swqfDfrI iDrF, qKqF dy aYÈo-ieÈrq ivcmsrUP pMjfb dy hfl qoN byKbr hn aqyswqf 'coN hfry hukmrfnF dIaF ros rYlIaFivc vI nOjvfnF dy hkIkI msilaF pRqIkoeI sMjIdf afvfË AuTx dI bjfey KuwsIhoeI kursI df ros-rOlf hI suxfeI pYNdfhY.

smyN dI loV hY ik prvfs ƒ rokxleI nOjvfn ÈkqI ƒ vfijb qrIky nflvrq ky ruËgfr Xogqf pYdf krky ikrqdf isrP mOkf hI nhIN sgoN vfijb muwl vIidwqf jfvy. muPq smfrtPon dyx dI jgHfnOjvfnF ƒ ies kfbl bxfieaf jfvy ikAuh afpxI psMd df smfrtPon afpxIkmfeI nfl KrIdx df mfx vI hfsl krskx. so, ieQy afm lokF aqy Kfs krnOjvfnF ƒ vI cOks hox dI loV hY ikrfjnIqk pfrtIaF dy muPqKorI vDfAuNdymYnIPYsto ƒ nkfiraf jfvy qF jo pfrtIaFƒ ruËgfr, ishq shUlqF aqy iswiKafvrgy muwidaF 'qy afpxI phuMc aqy socspÈt krn leI mjbUr kIqf jf sky.

afKr 'kI cfhuMdf hY pMjfb', ieh koeIpRÈFq ikÈor ikAuN dwsy? pMjfbIaF ƒ Kuddwsxf pvygf ik asIN nf qF kYlIPornIafvrgf pMjfb cfhuMdy hF aqy nf hI prvfsrfhIN pMjfb vrgf kYlIPornIaf. asIN AuhpMjfb cfhuMdy hF ijQy pYdf hoieaf bcpn,ieQoN dI iPËf ivc jvfnI hMZfAuNdf,qMdrusq bËurgI dy rUp ivc ieQoN dI hIimwtI dy lyKy lwgy.

bcpn, jvfnI aqy buZfpf, iqMny hImnuwKI jIvn dIaF aihm avsQfvF hn.ienHF ivcoN smuwcy qOr 'qy jy koeI iekavsQf vI zfvFzol ho jfvy qF smuwcIsmfijk ivvsQf crmrf jFdI hY, ikAuNikhr avsQf mnuwKI smfj dI ivvsQf ivcaihm Xogdfn pfAuNdI hY. bcpn aqyjvfnI dI avsQf ivÈyÈ qOr 'qy smfjleI afs aqy ivkfs df sfDn huMdI hY.suKfvyN aqy KuÈgvfr mfhOl 'c pilafbcpn hI afs nfl BrI nOjvfn ÈkqIivc bdldf hY ijs dI bdOlq smfjivkfs krdf hY pr pMjfb ivcoN ijs pwDr'qy nOjvfnF df prvfs ho irhf hY, Aus ƒdyKidaF jy ieh kih ilaf jfvy ik pMjfbafAux vfly kuJ sflF bfad bcpn aqyjvfnI ivhUxf ho jfvygf qF ies 'c koeIaiq kQnI nhIN hovygI. ieh vI kihxfglq nhIN hY ik ieh prvfs kyvl pMjfbdy nOjvfnF df hI nhIN sgoN pMjfb dysrmfey, cVHdI klf aqy nroeI soc nfl

BrpUr AUrjf, irÈiqaF nfl bwJI smfijkivvsQf aqy ies nfl juVIaF afsF-AumIdF df vI ho irhf hY.

iksy smyN pMjfb leI iehI prvfsvrdfn df rUp jfpdf sI, jdoN dUjy mulkFqoN pMjfbI srmfieaf kmf ky pMjfb bYTypirvfrF ƒ Byjdy sn aqy ieQoN dIafriQkqf ƒ hulfrf idMdy sn. prvfsIaFvloN afey srmfey ny kyvl afpxy pirvfrFdI hI nhIN sgoN pMjfb dy keI ÈihrF qyipMzF dI nuhfr vI bdlI. prvfsIaF dIpMjfb PyrI dOrfn ienHF kol vwzIaFgwzIaF, cMgIaF koTIaF aqy AuNglF 'cdmkdIaF sunihrI CfpF ny dysI pMjfbIaFdIaF awKF ivc prdysF dy supny bIjy ijnHFivc prdys dI DrqI pYsf AugldI idKfeIidMdI sI jF Èfied AunHF mulkF kol koeIpfrs hY pr hkIkq ieh sI ik iek qFAudoN pMjfbI prvfs krn vfly Gwt sn qydUjf, Auh ijs hwz-BMnvIN imhnq nflpUMjI pYdf kr rhy sn, Aus bfry Auhafpxy vfkPF-irÈqydfrF ƒ dwsdy nhIN

sn. iesy kfrn prvfs pMjfbIaF leIhusIn supnf bxdf igaf aqy nOjvfn AuhIhwz-BMnvIN imhnq afpxy sUby ivc krnfCwzdy gey. ies dy nfl hI srkfrF dIaFbdnIqIaF nfl pMjfb df mfhOl vI nOjvfnFleI nfAumIdI pYdf krdf irhf. iswty vjoNprvfs aYsI mjbUrI bx igaf jo hOlI-hOlI sfzI pU MjI, ikrq ÈkqI aqysiBafcfr ƒ ivdyÈF vwl iljfx lwgipaf, ijs df sMqfp afAux vfly kuJ sflFivc pMjfb dI imwtI ƒ hMZfAuxf pvygf.

afriQk pwK 'qoN ivcfiraf jfvy qFiek ividafrQI ƒ pVHfeI vIËy rfhIN ivdyÈByjx leI pirvfr ƒ pMdrF qoN bfeI lwKqk df aMdfËn Krcf pY hI jFdf hY. mOjUdfsiQqI ƒ dyKIey qF roËfnf sYNkVy nOjvfnFdy ho rhy prvfs rfhIN pMjfb df kroVF dfsrmfieaf vI ivdyÈI mulkF ƒ jf irhfhY. isrP iehI nhIN, bhuq sfry nOjvfnivdyÈ phuMc ky vI AuQoN dy Krcy pUry nhINkr skdy, ilhfËf mfipaF ƒ ieDroN horpYsy Byjxy pY rhy hn. qRfsidk pihlUieh hY ik nOjvfn BfvyN pVHfeI dy nfm 'qyivdyÈ jf rhy hn pr Auh kdy vI vfpsnf muVn leI jf rhy hn. Auh AuQoN dynfgirk bx ky AuDr hI rihxf cfhuMdyhn ijs kfrn ies srmfey dy kdy vIpMjfb dI afriQkqf ivc vfps afAux dIsMBfvnf iblkul Kqm hY.

ies dy nfl hI ieh vI ivcfrnXogpihlU hY ik iËafdfqr nOjvfnF ƒ mfipaFvloN krËf cuwk ky ivdyÈ Byijaf igaf hY.mfipaF dI afs huMdI hY ik ivdyÈoN afAuxvflI kmfeI nfl Auh ieh krËf Auqfrdyxgy ijs leI Auh sflF dy sfl bysbrI

nfl bwcy dy ivdyÈ ivc pwkf nfgirk hoxdI AuzIk krdy hn. jdoN ƒ nOjvfn iehnfgirkqf hfsl krn ivc kfmXfb huMdfhY, Aus vyly qk Aus leI ivdyÈ ivcafpxf kMm-DMdf krn, Gr KrIdx afiddy msly isr cuwk lYNdy hn aqy Auh duibDfivc pY jFdf hY ik Auh afpxI kmfeI

afpxy BivK leI joVy jF ipwCy mfipaF ƒByjy. ies duibDf ivcoN irÈiqaF dy iqVkxdI afvfË vI smfj ƒ suxfeI dyx lwgjFdI hY. pMjfbI XUnIvristI dI iek Kojanusfr prvfs krn vfly 70 PIsdInOjvfn iksfnI ipCokV dy hn. pMjfb dyiksfnF isr krËy dy boJ ny pihlF hIpMjfb ivc KudkuÈIaF dI Psl bIj idwqIhY, ijs ny mflvy dy sB qoN vwD GrF ƒKflI kIqf hY. hux prvfs krËy dy rUpivc iek hor dYNq sfzy smfj dy skUn ƒinglx leI iqafr ho irhf hY.

pMjfb ivc PYlI byruËgfrI, vD rhynÈy, jurmF, BivK pRqI ainÈcqqf aqyivdyÈI mulkF dI ckfcOND kfrn pMjfbIaFdy supinaF ivc vI ieh svfl hI KOrU pfirhf huMdf hY ik vIËf Pfiel df kI stytshY? ivdyÈ AuzfrI dI rIJ ieMnI pRcMz hocuwkI hY ik hux qF Dfrimk sQfnF 'qy vI

lok sony-cFdI dy jhfËF dI suwK suwKxlwg pey hn. ieh KfihÈ ies kdr BfrUhY ik AucyrI iswiKaf dy nfm 'qy jf rhynOjvfnF ƒ ies gwl df vI koeI iPkrnhIN huMdf ik Auh ijs kors ivc dfKlflY rhy hn, AunHF ƒ Aus ivÈy bfry koeImuwZlf igafn jF rucI vI hY? jF Auh korsAunHF dy BivK leI shfiek ho vI skdfhY jF nhIN? nOjvfnF leI isrP iehImhwqvpUrn hY ik vIËf iks kors rfhINsOKf imlygf qF jo Auh ivdyÈ phuMc skx.ies qrHF bhuigxqI nOjvfnF df BivK jUey

pMjfb ivcoN ho irhf prvfs awj kwlH BKdf mslf hY. hux qk pMjfb qoN prdysI hoieaf bMdfipCFh afpxI kmfeI Byjdf sI pr 10-15 sflF qoN pfsy plt gey hn. hux pMjfbIaF dynfl-nfl pYsf vI ivdyÈF vl jfx lwg ipaf hY. pMjfbI XUnIvristI, pitaflf ivc pVHdIjIvnpRIq kOr ny ies msly dy pwKF bfry crcf afpxy ies lyK ivc kIqI hY. -sMpfdk

pMjfb, prdys, prvfspMjfb, prdys, prvfs

binMdrjIq bMnI

Page 30: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (30)

pYrfsfeIt: isafsq aqy pUMjI df hkIkI jlvf

zf[ kuldIp kOrPon: +91-98554-04330

afpxI pihlI iPlm 'id bfrikMgzOgË nyvr bfeItË` (BONkx vfly kuwqy vwZdynhIN, sfl 2000 ivc bxfeI) rfhINiPlmsfË bONg jUn-ho afpxI iPlmIiebfrq df pihlf sPf KolHdf hY. Aus dIiPlm df ivÈf glI-muhwilaF ivc Btkdyavfrf kuwiqaF dy BONkx df inwGr rhINarQ-ivvsQf aqy grk ho cuwkI smfijkcyqnf ivclIaF surF aqy qMdF dy afDuinkdvMdF 'qy afDfirq sI. iPlm ivc pRoPYsrlwgx dI Jfk ivc bYTf byruËgfr muMzfkuwiqaF dy BONkx qoN ieMnf pRyÈfn ho jFdf hYik Auh AunHF ƒ agvf krky GrF dIaF

almfrIaF ivc bMd krn lwg pYNdf hY.iPlm ivc mfry gey kuwiqaF dy mIt dIcorI aqy bMidaF qy kuwiqaF dy goÈq dI BuwKdf icqrn dihlfAux vflf hY.

afpxI dUjI iPlm 'mYmrIË afP eymrzr' (kql dIaF XfdF, sfl 2003)leI bONg jUn-ho aijhI jurm afDfirqptkQf dI cox krdf hY ijs ivc 1986qoN 1991 qwk dwKxI koraf dy iek idhfqIiKwqy ivc aOrqF dy byrihmI nfl kIqy geykqlF dI jFc df Kulfsf hY. ies iPlmbfry ilKidaF dwKxI korIaf dy iPlmmYgËIn 'mfzrn korIan isnymf' ny itwpxIkIqI sI: "mOjUdf dwKxI koirafeI isnymfivc qfËf ruJfn iekoN khfxI dIaFaxidsdIaF prqF ƒ nÈr krnf hY.smfijk aqy mnoivigafnk scfeIaF ibMbFƒ icMnHF aqy qknIk rfhIN afDuink aqysuhjmeI idRÈF ivc qbdIl krdf iehisnymf afDuink simaF dI nbË PVdf hY."

iPlm 'mYmrIË afP mrzr` df sBqoN qrfsidk pihlU kqlF qoN bfad puilsmihkmy dI nf-aihlIaq aqy sQfnklokF dI alihdgI hY. ÈFq, suhxy qyKUbsUrq nËfiraF nfl Bry sQfnF AuprkuVIaF dIaF lhU-luhfx lfÈF imlx dfidRÈ dwKxI korIaf qoN Bfrq qwk lhU dIbdbUdfr lIk iKwcdf clf jFdf hY. ijvyNqIjI dunIaF ivc vfprdIaF iensfP qyjurm dIaF qrfsdIaF nfl huMdf hY, ipMzdy sB qoN kmËor qy idmfgI qOr qy pRyÈfnmuMzy Auqy kfƒn df zMzf sB qoN pihlF vwjdfhY. jurm vflI QF Auqy sbUq iekwTy kridaF-kridaF puils jFc dy bKIey AuDV jFdyhn pr lokF ƒ iPr vI koeI Prk nhINpYNdf. iPlm icMqk pfrsI konrfn ilKdfhY, "bONg iPlm ivc hflIvuz isnymf dI

PfrmUlf lIh ijs ivc hkIkqF qy scfeIƒ driknfr krky stfeIl Auqy Ëor dyxdI iprq hY, ƒ iswDf twkrdf hY aqy iesnMU qkrIbn mËfkIaf bxf Drdf hY."

ivdyÈI BfÈf dI ÈRyxI ivc afskrijwqx vflI pihlI iPlm 'pYrfsfeIt` bONgjUn-ho dI afp-bIqI qy hwz-bIqI dfimlgoBf hY. afpxy vIhvyN vrHy ivc bONgjUn-ho ny afpxI bsqI dy iek amIrËfdyƒ pVHfAux dI iËMmyvfrI leI. ies iPlmƒ Auh klf jF pfpUlr dI clMq ÈRyxI jFpRIBfÈf ivc vMzx dI QF 'pOVIaF dI iPlm`kihxf iËafdf psMd krdf hY. ieh pOVIaFsrv-ivafpk hn. globlI isafsq dyvrqfry dIaF prqF pVHIey qF 'pihlIdunIaf` aqy 'qIjI dunIaf` dI hkIkq jwgËfihr hY. bONg dI iPlm ivc pOVIaF dy'Aupr dI dunIaf` aqy 'Qwly dI dunIaf`

ivc ËmIn afsmfn df Prk hY. ËmIn qyafsmfn, dovF DrfqlF 'qy vwsdy lokF dIdunIaf dy Qwly vI iek dunIaf hY. iPlmsfËAuprlI qy hyTlI dunIaf dI muwTByV AusdunIaf ivc krvfAuNdf hY ijQoN nf ËmInpUrI idsdI hY, nf afsmfn. bONg jUn-hosmfijk ivqkry aqy KfeIaF dI inÈfndyhIkrn leI 'KuÈbU/bdbU df anoKf mYtfPrvrqdf hY.

ieh iPlm dyKidaF rUsI iPlm'afiekf` (2018) idmfg ivc cwlx lwgdIhY. srgyeI dIvorsIvoey duafrf inrdyiÈqies iPlm dI muwK ikrdfr jlfvqnI kfrnÈrnfrQI vjoN mfsko ivc jf AuqrI hY,

ijQy Auh afpxI hoNd bcfAux leI lgfqfriek qoN dUjI nOkrI, iek qoN dUjy bfËfr aqyiek qoN dUjy Gr BtkdI hY. sMsfr pwDr'qy iriPAUËIaF dI qrfsdI dI ijMnI bfrIkpyÈkfrI ies iPlm ivc hoeI hY, Auhkfibl-ey-qfrIP hY.

iPlm 'pYrfsfeIt` dyKidaF vfr-vfridmfg ivc ieh ivcfr GuMmdf irhf ikpUMjIvfd rUpI hfQIaF dy kunby awgy aMn dIrihMd-KUMhd bcfAux ivc ruJIaF kIVIaFdI kI ibsfq hY? hfQIaF leI qF kIVIaFdI hoNd hI mfieny nhIN rwKdI. dwKxI korIafvFg sfzy mulk, Bfrq dy hËfrF GrF ivcijAux dI jdo-jihd kdoN jfalsfËI dIiqkVmbfËI aqy Ëulm dI dldl ivc vtjFdI hY, ies df aMdfËf lgfAuxf muÈiklnhIN. lyKk jymË skft ilKdf hY ikjfalsfËI, DoKfDVI aqy Ëulm, ieh vI

ikqy nf ikqy dwibaf-kucilaF leI ivroDaqy afpxI hoNd df aYlfn krn df ËrIafbx jFdy hn. ienklfbI Èfier sMq rfmAudfsI afpxI iek kivqf ivc ilKdy hn,'jy sokf ieh hI sVdy ny, jo zobf ieh hImrdy ny, sB kihr ienHF 'qy vrHdy ny, ijQyPslF ny Cwz jFdIaF armfn qRyVy, qUM mGdfrhI vyN sUrjf kMmIaF dy ivhVy`. iPlmivc ijQy bfirÈ pfrk pirvfr leI inwGIDuwp df sunyhf lY ky afAuNdI hY, AuQy ikmpirvfr leI afPq df sbwb bxdI hY.

iPlm df kQfink bhuq hwd qwkipCly sflF ivc crcf ivc rhI iPlm 'ÈOpilPtrË` nfl imldf hY. 'ÈOp ilPtrË`

ivc ipAu afpxy bwicaF ƒ dukfnF coN smfncorI krnf isKfAuNdf hY ikAuN ik qfAumrAus ƒ 'hor kuJ` iswKx dI nf qF mohlqimlI aqy nf hI 'hor kuJ' iswKx dy kfblsmiJaf igaf. Aus duafrf afpxy bwicaFƒ ibhqr aqy suKfvF BivK dyx df supnfAunHF ƒ corI dI klf dIaF hnyrIaF surMgFivc Dwk idMdf hY, ijQoN vfpsI df koeI rfsqfnhIN. afpxI iPlm 'pYrfsfeIt' bfry gwlkridaF bONg jUn-ho afKdf hY, "mYN iesiPlm ivc pihlI vfr amIr ikrdfrF dfKfkf iKwicaf hY. myrIaF pihlIaF iPlmF'mdr`, 'snoapfeIsr` aqy 'aOkËF' dyikrdfr afm sfDfrn pirvfrF ivcoN hn.ieh ikrdfr cMgy jF mfVy dI pRIBfÈf ivcnhIN afAuNdy. Auh aijhy vwzy krUr KFcyivc ikxikaF dI inafeIN hn ijhVf nfisrP AunHF dI klpnf qoN vwzf hY sgoN Aus

supr KFcy duafrf iqafr kIqy hflfq,qrfsdIaF aqy GtnfvF AunHF ƒ afpxIiËMdgI dy aihm PYsly krn hI nhINidMdIaF. jdoN qwk AunHF ƒ sfrI qfxI dIsmJ afAuNdI hY, AunHF dI aglI pIVHI AuhIsMqfp Bugqx leI iqafr KVHI idsdI hY."

iPlm 'pYrfsfeIt` smfijk jurm dIiPlm hox dy bfvjUd globlI pRsMg ivcjlvfXU pirvrqn dy qrk dI nËrsfnIvI krdI hY. ipClI sdI ivc mflQs dIiQAUrI ƒ afDfr bxf ky grIb qbikaF/vrgF/jmfqF ivruD dlIlF dI lMmI imwQisrjI geI hY. ies dy do nukqy byhwd mfrUhn. pihly nukqy anusfr- 'afpxI grIbI

leI grIb Kud hI iËMmyvfr hY ikAuNik AuhgrIb hI rihxf cfhuMdf hY`. iPlm'pYrfsfeIt` dwsdI hY ik ikvyN grIb dIgrIbI ipwCy isafsI-afriQk ZFicaF dIigxI imQI isafsq kMm krdI hY. kI huMdf,jy ikm pirvfr dy sfry jIaF kol koeI nfkoeI ZukvF kMm huMdf? dUjy nukqy anusfr-grIb jlvfXU ƒ plIq krn, KyqIbfVIaqy jl, jMgl, ËmIn ƒ nuksfn phuMcfAuxdf vwzf kfrn bxy hn; nqIjy vjoN sMsfrpwDr 'qy hVH, soky qy mhfmfrIaF df vrqfrfmfro-mfr kr irhf hY.

ies iPlm rfhIN bONg jUn-ho ies imwQdI cIr-PfV krdf dwsdf hY ik ikvyN mOjUdfdOr ivc koeI amIr amrIkn jF XUrpIjF arb bMdf hËfrF jIaF dy ihwsy dykudrqI sfDnF qy vrqoN Xog vsqF ƒ ibnFzkfr mfiraF ingl jFdf hY, qy ies dybfvjUd sfrf doÈ 'grIbF` isr mVH kysurKUr vI ho jFdf hY. iPlm df sB qoNmfrimk idRÈ Auh hY jdoN ikm df ipqfpfrk ƒ, afpxy byty ƒ hspqfl iljfxleI lfÈ koloN gwzI dI cfbI cuwkidaF 'bdbUqoN bcx leI nwk bMd kridaF dyKdf hY.ies idRÈ ƒ dyKx qoN bfad amIrI dy burkyhyT CupI sMvydnhIxqf aqy KoKlypx dIsmJ pYNdI hY.

amrIkI aKbfr 'inAU XfrktfeImË` iPlm 'qy itwpxI krdf hY,"AunIvIN sdI ivc pRisD lutyrf jya gulzafKdf sI ik myry kol ieMnf ku pYsf hY ikmYN awDI afbfdI ƒ dUjI awDI afbfdI ƒkql krn leI KrId skdf hF. bONg dIieh iPlm byruËgfrI qoN grIbI, grIbI qoNjurm, jurm qoN pUMjI, pUMjI qoN munfPf, munfPyqoN ÈoÈx, ÈoÈx qoN iPr byruËgfrI, iPrgrIbI df amuwk islislf hY.

kI ies iPlm ƒ zfrivn dI 'sB qoNqfkqvr ƒ hI ijAUx df hwk hY' dy pRsMgivc vI piVHaf jfxf cfhIdf hY? ieh iPlmdyKidaF ieh aihsfs vI vfr-vfr huMdfhY ik iPlm ijMnI bfrIkI qy cusqI nfliek dm 'sO PIsdI shI` idRÈfvlI qyGtnfvF buxdI clI jFdI hY. ies nfl iesdIaF kmËorIaF vI nMgIaF huMdIaF hn.sB qoN vwzI kmËorI ies df sO PIsdI 'shI`hoxf hY. iPlm dy ÈurU ivc vfpiraf iPlmdy aMq qwk hOlI-hOlI vfps muVdf hY, BfvyNikrdfrF dI soc ivc ËmIn afsmfn dfPrk af cuwikaf hY.

bOg iËafdfqr afpxy iPlmFivclIaF QfvF ƒ vI ikrdfrF ivc bdlxvflf inrdyÈk hY. iPlm ivc GtnfvF dysQfn nfiekF aqy KlnfiekF ivc PrkmnPI kr idMdy hn. bOg inrdyÈk dy qOr'qy afpxy smfijk sunyhy ƒ ieMnI msqYdInfl izËfien krdf hY ik drÈkF kolÈfied Aus dy ies 'mYijk bult` ivcfrnfl sihmq hox qoN ibnF koeI cfrf nhINbcdf. ies df kfrn iPlm dI dwKxI-koirafeI siBafcfrk cyqnf vI ho skdIhY, jF iPr bOg dI afpxI smfijk smJdf boJ vI ho skdf hY. bOg afpxI iPlmrfhIN 'mr igaf` aqy 'ijAuN rihaf` dysmfnMqr BUqF vFg ivcr rhy smfijkjIaF rfhIN siBaqf dI AunHF pOVIaF dIbfq pfAuNdf hY ijnHF dy KlypV vI AuKVdyhn qF isrP dwibaF kucilaF dIaF awKFƒ hI aMinHaF kr idMdy hn.

ieh iPlm nf inrfÈ krdI hY, nf hIkoeI nvIN afs idMdI hY, ies ivc vfprdfsfrf kuJ qy bhuq kuJ sfzy afpxy ÈihrF,GrF aqy muhwilaF ivc vfpr irhf hY. sfzyidlo-idmfgF ivc sdimaF, KdiÈaF,sMisaF aqy zrF dy rUp ivc lgfqfr jfrIhY. bOg dy kYmry dI awK ƒ ies guMJldfraqy lgfqfr ikr rhI dunIaF ƒ cldIiPrdI Èkl dyx leI DMnvfd.

iPlm ‘pYrfsfeIt` dI iek Jlk aqy (swjy) iPlm df zfierYktr bOONg jUn-ho.

ies vfr korIan iPlm ‘pYrfsfeIt’ ny cfr afskr ienfm ijwqy hn. ieh iPlm kuwlCy ienfmF leI nfmËd hoeI sI. ieh iPlm awj dy sMsfr isstm dIaF keI prqF ProldIhY. ies iPlm bfry asIN zf[ kuldIp kOr dI ieh aihm itwpxI Cfp rhy hF. -sMpfdk

awj kwl amrIkf `c ‘ieMzIan-2’ iPlm dIsLUitMg kr rhy nfmI pMjfbI iPlm adfkfr XogrfjisMG qy DMn DMn bfbf dIp isMG jI df bhuq pRBfv hY.Xogrfj isMG afpxy afp nUM bfbf dIp isMG df spuwqrkih ky sMboiDq huMdf hY. Aus dIaF ‘srIk-2’, ‘hU mYNzr geI’ qy hor iPlmF af rhIaf hn. pysL hn, ihMdIiPlm ‘c prvyÈ `qy AunHF nfl amrIkf qoN nYx rfhINhoeI mlfkfq dy aMÈ:

svfl: ‘ieMzIan–2’ ikvyN imlI qy kmlhsn nfl iPlm bfry kI khogy?

jvfb: rjnIkFq jI dI iPlm ‘drbfr’ ny sfAUQ‘c mYnUM lokipRa kIqf. ies qoN hI kml hsn ijhyidwgj klfkfr ny mYnUM ‘ieMzIan-2’ ‘c ilaf. sfAUQdy lok ihMdI ihwt iPlmF idMdy rhy hn.

svfl: iPlm ‘drbfr’ ikvyN imlI sI?jvfb: myrIaF qsvIrF qy iPlm ‘duwlf vYlI’

dyK ky AunHF mYnUM ‘drbfr’ iPlm c kMm krn df mOkfidwqf aqy ies iPlm ny myrf ‘drbfr’ bflIvuwz ‘clfieaf.

svfl: qusIN ikRktr vI rhy, hux vI ivhlfsmF ikRkt nUM hI idMdy ho. ikRkt sbMDI kuJkhogy?

jvfb: mYN tIm ieMzIaf nfl Pfst bflr bx kyibÈn isMG bydI, sunIl gfvfskr nfl Kyizaf hF.kOmFqrI ikRktr hox nfqy mYN afpxf qjrbf nvyN tylYNt‘qy vrq irhF. pMjfb dy muMzy ikRkt ‘c AuBfrnf cfhuMdyhn. aYkitMg afpxI QF, ikRkt afpxI QF.

svfl: pMjfbI iPlmF ‘c quhfzy ruJyvyN bfrykI kihxf cfhogy?

jvfb: sB DMn DMn bfbf dIp isMG jI sLhId dIikrpf hY. mYN kuJ nhIN, sB Aus dI vizafeI hY. pfTkro, gurbfxI suxo.

svfl: quhfzy byty Xuvrfj isMG dI ikRktsbMDI quhfzf njLrIaf?

jvfb: XuvI sYt hY, ikRkt ‘c Aus df kfPIBivwK hY. Aus ny hr PsvyN mYc ‘c Bfrq nUM ijqfieaf.vDIaf ikRktr hY, pr rfjnIqI AuQy vI hY.

–aMimRq pvfr

sB ikrpf bfbf dIp isMG jI dI hY-Xogrfj isMG

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Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (31)

Page 32: Punjab Times, Vol 21, Issue 11, March 14, 2020 20451 N ...Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (2) xResidential Loans (Purchase,

Punjab Times Vol 21, Issue 11; March 14, 2020 pMjfb tfeImjL sfl 21, aMk 11, 14 mfrc 2020 (32)