BDwbU

†iIqvwgj 10

GB BDwb‡Ui cvVmg~n
cvV-10.1 t †iIqvwg‡ji msÁv, ˆewkó¨|
cvV-10.2 t wewfbœ cÖKvi fyj Ges fyj aivi c×wZ|
cvV-10.3 t †h me fyj †iIqvwg‡j aiv c‡o bv|
cvV-10.4 t †iIqvwgj cÖ¯‘‡Zi we‡eP¨ welqmg~n|
cvV-10.5 t †iIqvwgj cÖ¯‘‡Zi wbqg I KwZcq D`vniY|
cvV-10.6 t AwbwðZ wnmve eÜ Kiv|

f~wgKv
†iIqvwgj nj wnmveP‡µi Z…Zxq avc| Avgiv Rvwb Rv‡e`v †_‡K LwZqvb cÖ¯‘Z K‡i DØ„Ë wbY©q Kiv nq| †mB
D؄˸‡jv wb‡q wnmv‡ei MvwYwZK ï×Zv hvPvB Kivi Rb¨ ˆZwi Kiv nq †iIqvwgj| `yÕZidv `vwLjv c×wZ Abyhvqx
wnmve msi¶Y Ki‡j LwZqv‡bi †WweU †Ri¸‡jvi †hvMd‡ji mv‡_ †µwWU †Ri¸‡jvi †hvMdj wg‡j hv‡e| †h‡nZz
†iIqvwgj †_‡K Avw_©K weeiYx ˆZwi Kiv nq| ZvB AmveavbZv ev cwic~Y© Áv‡bi Afv‡e wnmvei¶Y Kv‡R †hb
†Kvb fyj bv nq †mw`‡K †Lqvj ivL‡Z n‡e| Z‡e †iIqvwgj cÖ¯‘‡Zi d‡j wnmv‡ei fyj mn‡RB D`NvwUZ nq Ges
Zv ms‡kva‡bi Rb¨ cÖ‡qvRbxq c`‡¶c MÖnY Kiv hvq|

BDwbU mgvwßi m‡e©v”P mgq 1 mßvn

BDwbU mgvwßi mgq

cvV-10.1 †iIqvwg‡ji msÁv, ˆewkó¨ I D‡Ïk¨

D‡Ïk¨
GB cvV †k‡l Avcwb
• †iIqvwg‡ji msÁv ej‡Z cvi‡eb
• †iIqvwg‡ji ˆewkó¨ eY©bv Ki‡Z cvi‡eb
• †iIqvwg‡ji D‡Ïk¨ ej‡Z cvi‡eb
evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

mgwš^Z µq, µq LwZqv‡bi †Ri, AwbwðZ wnmve, †jLvi fzj, cwicyiK fzj,
KiwYK fzj|
g~L¨ kã (Key Words)

†iIqvwg‡ji aviYv I msÁv

LwZqvb wnmvemg~‡ni DØ„Ë wbY©q mwVK n‡q‡Q wKbv Zv hvPvB Kivi Rb¨ †iIqvwgj ˆZwi Kiv nq|
Avevi †iIqvwgj †_‡K Avw_©K weeiYx cÖ¯‘Z mnR Kivi Rb¨I GUv cÖ¯‘Z Kiv n‡q _v‡K| GKwU wbw`©ó Zvwi‡L
LwZqv‡bi †WweU DØ„‡Ëi †hvMdj Ges †µwWU D؄˸‡jvi †hvMdj wbY©q Kiv nq Zv‡K †iIqvwgj e‡j| Avw_©K
weeiYx wbf©yjfv‡e ˆZwi Kivi Rb¨I †iIqvwgj wbf©yj nIqv `iKvi| †iIqvwg‡ji `yw`‡Ki †hvMdj bv wgj‡j
eyS‡Z n‡e `yÕZidv `vwLjv c×wZ Abymv‡i wnmve msi¶‡Y †Kvb fyj-ÎywU Av‡Q|

†iIqvwg‡ji ˆewkó¨
LwZqv‡bi †WweU Ges †µwWU D؄˸‡jvi GKwU weeiYx nj †iIqvwgj| †iIqvwg‡ji ˆewk󨸇jv wbgœiƒc :
1. Av`vjv KvM‡R cÖ¯‘Z : GwU mvaviYZ Avjv` ev c„_K KvM‡R ˆZwi Kiv nq|
2. ZvwjKv : †iIqvwgj LwZqv‡bi wewfbœ wnmv‡ei DØ„‡Ëi ZvwjKv|
3. wnmve AšÍf~©w³ : G‡Z mKj cÖKvi wnmve Aš—f©~³ nq|
4. UvKvi Ni : †iIqvwg‡j †WweU I †µwWU `ywU UvKvi Ni _v‡K|
5. wbw`©ó mgq : GwU wbw`©ó mgq c‡i ˆZwi Kiv nq|
6. Avw_©K weeiYx cÖ¯‘Z : GwU †Kvb wnmve bq Z‡e Gi Dci wfwË K‡i Avw_©K weeiYx cÖ¯‘Z Kiv nq|

†iIqvwg‡ji D‡Ïk¨
†iIqvwgj hw`I wnmv‡ei Ask bq Z_vwc GUv ˆZwii wKQz D‡Ïk¨ i‡q‡Q| h_v :
1. MvwYwZK ï×Zv hvPvB : `yÕZidv `vwLjv c×wZ Abyhvqx LwZqv‡b †jb‡`b¸‡jv wjwce× Kiv n‡q‡Q wKbv Zv
wbY©q Kiv|
2. †jb‡`‡bi h_v_© wjwce×KiY : cÖwZwU †jb‡`‡bi `ywU c¶ _v‡K, GKwU nj †WweU Ab¨wU †µwWU|
†jb‡`b¸‡jv †jLvi mgq †WweU I †µwWU wbY©q mwVK Av‡Q wKbv Zv hvPvB Kivi Rb¨ †iIqvwgj cÖ¯‘Z Kiv
nq|
3. fyj D`NvUb : wnmv‡e †Kvb fyj _vK‡j Zv †iIqvwgj ˆZwii gva¨‡g wbY©q Kiv hvq|
4. Avw_©K weeiYx cÖ¯‘‡Z mnvqZv : Avw_©K weeiYx cÖ¯‘ZKi‡Yi D‡Ï‡k¨ †iIqvwgj ˆZwi Kiv nq|

wnmv‡ei MvwbwZK ï×Zv hvPvB KivB †iIqvwg‡ji D‡Ïk¨ eY©bv KiæY|

A¨vKwUwfwU ( wb‡R Kwi)
/wkÿv_©xi KvR

BDwbU `k c„ôv 176

evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

mvims‡ÿc:
♦ LwZqv‡bi DØ„Ëmg~n wb‡q †iIqvwgj ˆZwi Kiv nq|
♦ †iIqvwgj †Kvb wnmve LvZ bq ZeyI wnmv‡ei MvwYwZK ï×Zv hvPvB Kivi Rb¨ GwU ˆZwi Kiv nq|
♦ Avw_©K weeiYx wbf©yjfv‡e ˆZwi Kivi Rb¨ †iIqvwgj cÖ¯‘Z Kiv n‡q _v‡K|

cv‡VvËi g~j¨vqb-10.1
mwVK Dˇii cv‡k wUK (√) wPý w`b
1. †iIqvwgj Kx?
K. Rgv LiP L. †jb‡`‡bi ZvwjKv
M. wnmv‡ei D؄˸‡jvi ZvwjKv N. e¨q wnmve
2. †iIqvwgj cÖ¯‘Z Kivi D‡Ïk¨
K. jvf-†jvKmvb wbY©q Kiv L. Avw_©K Ae¯’v hvPvB Kiv
M. Avq-e¨q Kiv N. wnmv‡ei MvwYwZK ï×Zv hvPvB Kiv
3. mn‡R wnmv‡ei fyj-ÎywU aiv c‡o-
K. Rv‡e`vq L. LwZqv‡b
M. †iIqvwg‡j N. DØ„Ëc‡Î
4. †iIqvwgj ˆZwi Kiv nqÑ
K. eQ‡ii ïiy‡Z L. gv‡mi †k‡l
M. wbw`©ó Zvwi‡L N. Qq gvm ci ci

BDwbU `k c„ôv 177

evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

cvV-10.2 wewfbœ cÖKvi fzj Ges fzj aivi c×wZ

D‡Ïk¨
GB cvV †k‡l Avcwb
• †iIqvwg‡ji wewfbœ cÖKvi fyj m¤ú‡K© ej‡Z cvi‡eb|
• †iIqvwg‡ji fyj †ei Kivi c×wZ eY©bv Ki‡Z cvi‡eb|

†iIqvwg‡ji fyj aivi c×wZ

†iIqvwg‡ji wewfbœ cÖKvi fyj n‡Z cv‡i| hLb †iIqvwg‡ji `ycv‡ki †hvMdj mgvb n‡e bv ZLbB
eyS‡Z n‡e †Kv_vI fyj i‡q‡Q| mvaviYZ †h mg¯— fyj †iIqvwg‡j aiv c‡o †m¸‡jv nj wbgœiƒc :
1. ev` covi fyj : Rv‡e`v †_‡K LwZqv‡b †Zvjvi mgq †jb‡`‡bi `ywU c‡¶i g‡a¨ GKwU‡K fy‡j bv †jLv|
†hgb-fvov cÖ`vb Kiv nj 5,000 UvKv|
Rv‡e`v :
fvov wnmve ........................................ †WweU 5,000 UvKv
bM`vb wnmve ..................................... †µwWU 5,000 UvKv
GB †jb‡`‡bi Rb¨ LwZqv‡b hw` ïaygvÎ fvov wnmve DVv‡bv n‡jv A_ev bM`vb wnmve ¯’vbvšÍi Kiv n‡jv|
2. †jLvi fyj : LwZqv‡b ¯’vbvšÍ‡ii mgq hw` GK wnmv‡ei †WweU Ab¨ wnmv‡ei †µwWU w`‡K A_ev †µwWU
wnmve‡K †WweU w`‡K wjLv nq| †hgb-
Rv‡e`v :
ivbv wnmve ......................................... †WweU 10,000 UvKv
bM`vb wnmve ..................................... †µwWU 10,000 UvKv
GLv‡b ivbv wnmve‡K LwZqv‡b †µwWU w`‡K wjLv nq A_ev bM`vb wnmve‡K †WweU w`‡K †jLv nq| Zvn‡j G
fyj‡K †jLvi fyj ejv n‡e|
3. UvKvi AsK fyj : Rv‡e`v †_‡K LwZqv‡b †Zvjvi mgq hw` mgcwigvY UvKv w`‡q †WweU †µwWU bv Kiv nq
A_ev Rv‡e`v Kivi mgq UvKvi AsK fyj K‡i Kg †ewk †jLv nq, Zvn‡j GUv UvKvi AsK †Zvjvq fyj n‡e|
4. LwZqv‡bi DØ„Ë wbY©‡q fyj : LwZqv‡bi DØ„Ë wbY©‡q hLb fyj Kiv nq|
5. LwZqvb DØ„Ë †iIqvwg‡j ¯’vbvš—‡i fyj : LwZqv‡b DØ„Ë hv n‡e Zv mgcwigv‡Y †iIqvwg‡j ¯’vbvšÍi bv n‡j G
fyj n‡e|
6. †iIqvwg‡ji Dfq w`‡K †hvMdj wbY©‡q fyj : LwZqv‡bi mKj DØ„Ë mwVKfv‡e †iIqvwg‡j ¯’vbvšÍi Kivi ci
hw` †WweU w`‡Ki †hvMdj I †µwWU w`‡Ki †hvMdj wbY©q Kivi mgq fyj Kiv nq| Zvn‡j GUv n‡e
†iIqvwg‡ji †hvMdj wbY©‡q fyj|

†iIqvwg‡ji fyj †ei Kivi c×wZ

hLbB †iIqvwg‡ji `yB cv‡ki †hvMdj mgvb n‡e bv ZLb eyS‡Z n‡e †iIqvwgjwU fyj n‡q‡Q| Avi †iIqvwg‡j
fyj n‡j †mB fyj Lyu‡R †ei Ki‡Z n‡e|
wbgœwjwLZ Dcv‡q †iIqvwg‡ji fyj Lyu‡R †ei Kiv hvq :
1. cÖ_‡gB †iIqvwg‡ji Dfq w`‡Ki †hvMdj mwVK n‡q‡Q wKbv †`L‡Z n‡e|

BDwbU `k c„ôv 178

evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

2. LwZqvb †_‡K cÖwZwU †Ri mgcwigv‡Y †iIqvwg‡j †jLv n‡q‡Q wKbv Zv hvPvB Ki‡Z n‡e|
3. LwZqvb wnmve¸‡jvi †WweU I †µwWU †Ri h_vµ‡g †iIqvwg‡j †WweU I †µwWU w`‡K emv‡bv n‡q‡Q wKbv Zv
cix¶v K‡i †`L‡Z n‡e|
4. mKj LwZqvb wnmvemg~‡ni †hvMdj I DØ„Ë wbY©q mwVK wKbv hvPvB Ki‡Z n‡e|
5. Rv‡e`v †_‡K †jb‡`b¸‡jv LwZqv‡bi mswkøó wnmv‡e ¯’vbvš—wiZ n‡q‡Q wKbv Zv fvjfv‡e j¶¨ Ki‡Z n‡e|
6. bM`vb eB-Gi UvKvi As‡Ki †hvMdj, DØ„ËKiY I ¯’vbvš—i mwVKfv‡e n‡q‡Q wKbv Zv †`L‡Z n‡e|
7. †`bv`vi I cvIbv`vi ZvwjKvq †hvMd‡ji mv‡_ †iIqvwg‡j wjwLZ UvKvi wgj Av‡Q wKbv Zv †`L‡Z n‡e|
8. me©‡k‡l †iIqvwgj wbY©‡q †h cv_©K¨ †`Lv w`‡q‡Q, †mB cv_©K¨‡K `yB Øviv fvM Ki‡j †h cwigvY UvKv nq Zv
†iIqvwg‡j Av‡Q wKbv| hw` †_‡K _v‡K Zvn‡j †mB cwigvY UvKv †iIqvwg‡j mwVK cv‡k¦© emv‡bv n‡q‡Q wKbv
Zv cix¶v K‡i †`L‡Z n‡e|

wK wK Kvi‡Y †iIqvwg‡ji `yÕcv‡ki †hvMdj wg‡j bv wjLyb|

A¨vKwUwfwU ( wb‡R Kwi)
/wkÿv_©xi KvR

mvims‡ÿc:
♦ †iIqvwg‡ji †hvMdj mvaviYZ wg‡j hvq| wKš‘ AmveavbZvi Kvi‡Y wKQz fyj n‡j †iIqvwg‡ji †hvMdj wg‡j
bv|
♦ †iIqvwg‡j wKQz wKQz fyj ˆah©¨mnKv‡i wbqgvbyhvqx Lyu‡R †ei Kiv hvq|

cv‡VvËi g~j¨vqb-10.2
mwVK Dˇii cv‡k wUK (√) wPý w`b
1. †iIqvwg‡j †h fyj aiv c‡o-
K. ev` covi fyj L. †jLvi fyj
M. bxwZMZ fyj N. LwZqv‡bi †hvMdj
2. wb‡Pi †KvbwU †iIqvwgj wbY©‡q fyj e‡j Mb¨ nq?
K. ev` covi fyj L. †jLvi fyj
M. UvKvi As‡K fyj N. me KqwU

BDwbU `k c„ôv 179

evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

cvV-10.3 †h me fzj †iIqvwg‡j aiv c‡o bv

D‡Ïk¨
GB cvV †k‡l Avcwb
• †iIqvwgj wg‡j †M‡jI wnmv‡e fyj _vK‡Z cv‡i eY©bv Ki‡Z cvi‡eb|
• †h mg¯— fyj †iIqvwg‡j aiv c‡o bv †m¸‡jv e¨vL¨v Ki‡Z cvi‡eb|

†iIqvwg‡ji fyjmg~n
wnmv‡ei MvwYwZK ï×Zv hvPvB‡qi Rb¨ †iIqvwgj cÖ¯‘Z Kiv nq| Avgiv Rvwb †iIqvwg‡ji Dfq
w`‡Ki †hvMdj mgvb n‡j †iIqvwgj mwVK| wKš‘ Dfqw`‡Ki †hvMdj wg‡j †M‡jI †iIqvwg‡j fyj
_vK‡Z cv‡i| wnmvei¶‡Yi †¶‡Î wKQz fyj Av‡Q hv †iIqvwgj wg‡j †M‡jI †m¸‡jv aiv c‡o bv|
†h me fyj †iIqvwg‡j aiv c‡o bv :
†iIqvwg‡ji †WweU Ges †µwWU cv‡k¦©i †hvMdj wg‡j †M‡jI wbwðZfv‡e ejv hvq bv †h †Kv_vI †Kvb fyj †bB|
KviY Ggb wKQz fyj Av‡Q †iIqvwg‡j Dfq w`‡Ki †hvMdj wg‡j †M‡jI aiv c‡o bv| GB ai‡Yi fyj‡K cÖavbZ
`yBfv‡M fvM Kiv hvq| h_v :
1. KiwYK fyj : †h me fyj wnmvei¶K ev Ab¨ †Kvb Kg©Pvixi AmveavbZvi Rb¨ N‡U _v‡K Zv‡K KiwYK fyj
e‡j| KiwYK fyj‡K Avevi Pvifv‡M fvM Kiv hvq h_v-
K. ev` covi fyj : †jb‡`b msNwUZ nIqvi c‡i hw` D³ †jb‡`bwU Rv‡e`vq †jLv bv nq| †m‡¶‡Î D³
†jb‡`bwU LwZqv‡bi I †Kvb wnmv‡e †jLv n‡e bv| G ai‡Yi fyj‡K ev` covi fyj e‡j| Gi d‡j
†iIqvwg‡ji †hvMdj wg‡j †M‡jI wnmv‡e fyj †_‡K hv‡e| aiv hvK ivR‡bi wbKU †_‡K 5,000 UvKvi
cY¨ µq K‡i µq ewn‡Z wjLv nj bv hvi d‡j G †jb‡`bwU LwZqv‡bI wjLv n‡e bv| wKš‘ †iIqvwgj
wg‡j hv‡e|
L. wjLvi fyj : wnmv‡ei cÖv_wgK eB‡Z †Kvb †jb‡`‡bi UvKvi AsK Kg A_ev †ekx †jLv n‡j Zv LwZqv‡b
†mB cwigvY UvKvi As‡KB LwZqvb wnmv‡e wjwce× Kiv n‡e| d‡j †iIqvwgj wg‡j hv‡e wKš‘ wnmv‡e fyj
†_‡K hv‡e| †hgb- bM‡` 5,000 UvKv cY¨ weµq K‡i 5,0000 UvKv †jLv nj| Zvn‡j bM`vb wnmve I
weµq wnmv‡e 45,000 UvKv K‡i †ewk †jLv n‡e| G‡¶‡Î †iIqvwgj wg‡j †M‡jI wnmv‡e fyj †_‡K
hv‡e|
M. †e`vwLjvi fyj : wnmv‡ei cÖv_wgK eB n‡Z LwZqv‡b ¯’vbvšÍ‡ii mgq GKwU wnmv‡ei ¯’‡j Ab¨ GKwU
wnmv‡e mwVK UvKvi cwigvY †jLv‡K †e`vwLjvi fyj e‡j| †hgb- gvwb‡Ki wbKU n‡Z 25,000 UvKv
cvIqvi ci †WweU w`‡K mwVK bM`vb wnmve †jLv n‡q‡Q| wKš‘ †µwWU w`‡K gvwb‡Ki cwie‡Z© iZb Gi
wnmv‡e †µwWU Kiv n‡q‡Q| G‡¶‡ÎI †iIqvwgj wg‡j hv‡e|
N. cwic~iK fyj : hLb GKwU fyj Øviv Aci †Kvb GK ev GKvwaK fyj c~iY n‡q hvq ZLb Zv‡K cwic~iK
fyj e‡j| †hgb- Rwn‡ii wnmv‡e 5,000 UvKv †WweU nIqvi cwie‡Z© 500 UvKv †WweU n‡jv| Avevi
Avwm‡di wnmv‡e 5,000 UvKv †µwWU nIqvi cwie‡Z© 500 UvKv †µwWU n‡jv| G‡¶‡Î Dfq w`‡K
(5,000 - 500) = 4,500 UvKv Kg †`Lv‡bvi d‡j I †iIqvwgj wg‡j hv‡e|
2. bxwZMZ fyj : wnmveweÁvb bxwZi Dchy³ Áv‡bi Afv‡e wnmvei¶K †h fyj K‡i _v‡K Zv‡K bxwZMZ fyj
e‡j| †hgb- bM` 10,000 UvKvq AvmevecÎ µq Kiv nj| D³ †jb‡`b‡K wjLevi mgq Avmevec‡Îi
cwie‡Z© µq wnmve‡K †WweU Kiv nj| G‡Z g~jabx e¨q‡K gybvdvRvZxq e¨qiƒ‡c †`Lv‡bv nj| G‡¶‡Î
†h‡nZz UvKvi As‡K †Kvb fyj nqwb †m‡¶‡Î †iIqvwgj wgj‡e wKš‘ wnmv‡e fyj †_‡K hv‡e|

BDwbU `k c„ôv 180

evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

†h mKj fzj †iIqvwg‡j aiv c‡o bv G¸‡jvi GKwU ZvwjKv †Zix KiæY|
A¨vKwUwfwU ( wb‡R Kwi)
/wkÿv_©xi KvR

mvims‡ÿc:
♦ †iIqvwg‡ji `yÕw`‡Ki †hvMdj mvaviYZ wg‡j hvq wKš‘ wKQz wnmve Lv‡Zi fy‡ji Rb¨ GKwU †iIqvwgj Awgj
n‡Z cv‡i|
♦ †iIqvwgj wg‡j †M‡jI wnmve mwVK Zv ejv hv‡e bv| †Kbbv wnmv‡ei fyj _vKv ¯^‡Ë¡I †iIqvwg‡ji Dfq
w`‡Ki †hvMdj wgj‡Z cv‡i|

cv‡VvËi g~j¨vqb-10.3
mwVK Dˇii cv‡k wUK (√) wPý w`b
1. †iIqvwg‡j †h fyj aiv c‡o bv-
K. cÖv_wgK eB‡qi †hvMd‡j fyj L. LwZqv‡bi DØ„Ë ¯’vbvšÍ‡i fyj
M. cwic~iK fyj N. LwZqv‡bi †hvMdj wbY©‡q fyj
2. 500 UvKvi GKwU †jb‡`b wjwce× Kivi mgq 50 UvKv †jLv n‡j Zv †Kvb ai‡Yi fyj?
K. cwic~iK fyj L. bxwZMZ fyj
M. ev` covi fyj N. †jLvi fyj
3. hš¿cvwZ µq‡K µq wnmve †`Lv‡j GwU †Kvb RvZxq fyj n‡e?
K. ev` covi fyj L. bxwZMZ fyj
M. cwic~iK fyj N. †jLvi fyj

BDwbU `k c„ôv 181

evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

cvV-10.4 †iIqvwgj cÖ¯‘‡Zi we‡eP¨ welqmg~n

D‡Ïk¨
GB cvV †k‡l Avcwb
• mveavbZv Aej¤^b K‡i †iIqvwgj ˆZwii cÖ¯‘wZ wb‡Z cvi‡eb|
• †iIqvwg‡j †Kvb& †Kvb& wnmve¸‡jvi DØ„Ë hv‡e Ges †Kb Zv e¨vL¨v Ki‡Z cvi‡eb|

†iIqvwgj cÖ¯‘‡Zi we‡eP¨ welqmg~n

LwZqv‡bi me ai‡Yi wnmveLv‡Zi ZvwjKv n‡”Q †iIqvwgj| ZvwjKvq †WweU I †µwWU G `ywU cvk¦©
_v‡K| †iIqvwgj ˆZwii g~j D‡Ïk¨ n‡jv wnmvv‡ei MvwYwZK ï×Zv hvPvB Kiv| GB MvwYwZK ï×Zv
hvPvB‡qi Rb¨ LwZqv‡bi cÖwZwU DØ„Ë hv‡Z mwVKfv‡e †iIqvwg‡ji †WweU I †µwWU w`‡K †jLv nq Zvi Rb¨ GUv
ˆZwii †¶‡Î AZ¨š— mZK©Zv Aej¤^b Ki‡Z nq|

†iIqvwgj cÖ¯‘‡Zi we‡eP¨ welqmg~n

cÖwZôv‡bi ¯^v‡_© †h‡nZz †iIqvwgj ˆZwi K‡i wnmv‡ei MvwYwZK ï×Zv hvPvB Kiv nq| ZvB GwU cÖ¯‘‡Zi c~‡e© ewY©Z
welq¸‡jv we‡klfv‡e we‡ePbv Ki‡Z n‡e|
1. gRy` cY¨ †iIqvwg‡j Aš—f©~³Ki‡Y mZK©Zv Aej¤^b Ki‡Z nq| As‡K cÖviw¤¢K gRy` cY¨ I mgvcbx gRy`
cY¨ †`qv _vK‡Z cv‡i| †m‡¶‡Î mvaviYZ cÖviw¤¢K gRy` cY¨ †iIqvwg‡j wjL‡Z n‡e| G‡¶‡Î mgvcwb gRy`
cY¨ †iIqvwg‡j Avm‡e bv| KviY mgvcYx gRy` cY¨ cÖviw¤¢K gRy` I µ‡qi GKwU Ask|
2. As‡K hw` mgwš^Z µq †`qv _v‡K Zv‡nj mgvcbx gRy` cY¨ †iIqvwg‡j †WweU w`‡K wjL‡Z n‡e| G‡¶‡Î
cÖviw¤¢K gRy`cY¨ †iIqvwg‡j Avm‡e bv| KviY, mgwš^Z µq = cÖviw¤¢K gRy` + µq − mgvcbx gRy` cY¨|
GLv‡b †`Lv hvq mgvcbx gRy`cY¨ mgwš^Z µ‡qi g‡a¨ _v‡K bv|
3. cÖviw¤¢K nv‡Z bM` A_©vr e¨v‡jÝ we/wW Avi cÖviw¤¢K e¨vsK RgvI †iIqvwg‡j wnmvef~³ n‡e bv| KviY
mgvcwb nv‡Z bM` I e¨vsK Rgvi g‡a¨B bM` I e¨vsK Rgvi cÖviw¤¢K †Ri Aš—f©~³ _v‡K|
4. †h mg¯— wnmvemg~‡n cÖvß bv cÖ`Ë †Kvb wKQz †jLv _v‡K bv G mg¯— wnmve¸‡jv‡K cÖ`Ë a‡i †iIqvwg‡j
†WweU Kjv‡g wjL‡Z n‡e| †hgb- fvov, Kwgkb, evÆv, my` BZ¨vw`|
5. cy¯—K FY ev weµq LwZqv‡bi †Ri‡K †`bv`vi ev cÖvc¨ wnmve eySvq Ges Zv †iIqvwg‡j †WweU w`‡K hv‡e|
6. µq LwZqv‡bi †Ri ej‡Z cvIbv`vi ev cÖ‡`q wnmve eySvq|
7. wk¶vbwek fvZv GKwU cÖwZôvb cÖ`Ë LiP| ZvB †iIqvwg‡j GwU †WweU Kjv‡g hv‡e| Aciw`‡K wk¶vbexk
†mjvgx cÖwZôv‡bi Avq| ZvB †iIqvwg‡j GwU †µwWU Kjv‡g em‡e|
8. hw` As‡K g~jab wnmve †`Iqv bv _v‡K Ges †iIqvwg‡j †µwWU w`‡K cv_©K¨ nq| Zvn‡j H cv_©K¨ g~jab
wnmv‡e †jLv n‡Z cv‡i| †Kbbv cÖwZwU e¨emv cÖwZôv‡b g~jab _v‡K|
Dc‡iv³ mKj cÖKvi mZK©Zvg~jK e¨e¯’v †bIqvi ciI hw` †iIqvwg‡ji `yB cv‡ki †hvMdj bv wg‡j †m‡¶‡Î
mvgwqK mg‡qi Rb¨ †iIqvwg‡ji wgjKi‡Y AwbwðZ wnmve Ly‡j †WweU A_ev †µwWU cv‡k¦© wj‡L †iIqvwg‡ji
†hvMdj wgjv‡bv nq|

BDwbU `k c„ôv 182

evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

‡iIqvwgj ˆZixi we‡eP¨ welq¸‡jv D‡jøL KiæY|

A¨vKwUwfwU ( wb‡R Kwi)
/wkÿv_©xi KvR

mvims‡ÿc:
♦ mwVK I ï× †iIqvwgj cÖ¯‘‡Zi Rb¨ †iIqvwgj ˆZwii †¶‡Î mveavbZv Aej¤^b Ki‡Z nq|
♦ †iIqvwgj ˆZwii †¶‡Î wKQz wKQz wnmve Lv‡Zi m¤ú‡K© mwVK aviYv _vK‡Z nq| Zv bv n‡j †iIqvwgj fyj
nIqvi ch©vß m¤¢vebv _vK‡Z cv‡i|

cv‡VvËi g~j¨vqb-10.4
mwVK Dˇii cv‡k wUK (√) wPý w`b
1. †iIqvwg‡j wnmvef~³ nq †KvbwU?
K. cÖviw¤¢K bM` Znwej L. cÖviw¤¢K e¨vsK Znwej
M. mgvcbx bM` Znwej N. mgvcbx gRy` cY¨
2. †iIqvwg‡j mgvcYx gRy` cY¨ Aš—f©~³ nq hLb-
K. µ‡qi cwigvY †`Iqv _v‡K L. cÖviw¤¢K gRy` cY¨ †`Iqv _v‡K
M. mgwš^Z µq †`Iqv _v‡K N. c‡Y¨i µ‡qi cwigvY †`Iqv _v‡K

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evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

cvV-10.5 †iIqvwgj cÖ¯‘‡Zi wbqg I KwZcq D`vniY

D‡Ïk¨
GB cvV †k‡l Avcwb
• †iIqvwgj ˆZwii wbqg ej‡Z cvi‡eb|
• †iIqvwgj ˆZwi Ki‡Z cvi‡eb|

†iIqvwgj cÖ¯‘‡Zi wbqg

wbw`©ó wnmveKv‡ji †k‡l LwZqv‡bi wnmv‡ei DØ„Ë wbY©q Ki‡Z nq| Zvici GB D؄˸‡jv †WweU Ges
†µwWU Abyhvqx mvwR‡q GKwU Avjv`v KvM‡R †iIqvwgj cÖ¯‘Z Kiv nq| †iIqvwgj cÖ¯‘‡Zi Rb¨ 5 Ni
wewkó GKwU QK ˆZwi Ki‡Z nq| G Ni¸‡jv nj h_vµ‡g µwgK b¤^i, wnmv‡ei wk‡ivbvg, LwZqvb c„ôv, †WweU
UvKv Ges †µwWU UvKv| me‡k‡l †WweU UvKv Ges †µwWU UvKvi †hvMdj wbY©q Kiv nq hv ci¯úi mgvb nq|
†iIqvwgj ˆZwii wbqgvejx :
wb‡gœ †iIqvwgj cÖ¯‘Z cÖYvjx eY©bv Kiv nj-
K. cÖ_‡g †iIqvwgj ˆZwi Kivi Rb¨ QK AvuK‡Z n‡e|
L. †iIqvwg‡ji Q‡K µwgK bs, wnmv‡ei bvg, LwZqvb c„ôv Ges †WweU UvKvi N‡i LwZqv‡bi †WweU †Rimg~n I
†µwWU UvKvi N‡i LwZqv‡bi †µwWU †Rimg~n wjL‡Z n‡e|
M. Zvici †iIqvwg‡ji †WweU UvKvi N‡ii †hvMdj Ges †µwWU UvKvi N‡ii †hvMdj Avjv`vfv‡e †ei Ki‡Z
nq| GB †hvMdj¸‡jv ci¯úi mgvb nq|
†iIqvwgj cÖ¯‘‡Zi QK ev bgybv :
e¨w³ ev cÖwZôv‡bi bvg
†iIqvwgj
......................ZvwiL

µ bs wnmv‡ei bvg L.c„. UvKv

†WweU †µwWU

wb‡gœ mvaviYZ †h me wnmvemg~n †iIqvwg‡j †WweU w`‡K Ges †µwWU w`‡K e‡m Zv‡`i bvg D‡j L Kiv nj :
K. †WweU w`‡Ki wnmvemg~n :
1. m¤úwËmg~n : Avgiv Rvwb m¤úwËevPK wnmv‡e me mgqB †WweU DØ„Ë nq| ZvB me ai‡Yi m¤úwËevPK wnmve
†iIqvwg‡j †WweU w`‡K em‡e| †hgb- hš¿cvwZ, AvmevecÎ, `vjvb‡KvVv, mybvg, wewb‡qvM, cÖvc¨ wej, cÖviw¤¢K
gRy` cb¨, wewea †`bv`vi, bM`, e¨vsK Rgv BZ¨vw`|
2. mg¯Í cÖKvi LiP I ¶wZ : Avq-e¨q ev bvwgK wnmv‡ei e¨q ev ¶wZ msµvšÍ wnmve LvZ †WweU DØ„Ë cÖKvk
K‡i| d‡j mKj cÖKvi LiP ev ¶wZ †iIqvwg‡ji †WweU w`‡K e‡m| †hgb- †eZb, gRyix, µq cwienb,
weµq cwienb, Kvievix LiP, Awdm LiP, e¨q cÖ`vb, Kwgkb cÖ`vb, AePq, F‡Yi my` BZ¨vw`|
3. Ab¨vb¨ wnmve : †hme e¨w³evPK wnmve †WweU DØ„Ë cÖKvk K‡i, †m¸‡jv †iIqvwg‡ji †WweU cv‡k em‡e|
†hgb-†`bv`vi, GQvov AwMÖg LiPmg~n, weµq †diZ I D‡Ëvjb †WweU cv‡k e‡m|

BDwbU `k c„ôv 184

evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

L. †µwWU w`‡Ki wnmvemg~n :

1. `vq I †`bvmg~n : †h me e¨w³evPK wnmv‡ei †µwWU DØ„Ë cÖKvk K‡i, †m me wnmve Lv‡Zi DØ„Ë †iIqvwg‡ji
†µwWU cv‡k e‡m| †hgb- cÖ‡`q wej, cvIbv`vi, FY wnmve BZ¨vw`|
2. Avq I gybvdvmg~n : Avq-e¨q evPK wnmv‡ei †h me wnmve Øviv Avq eySvq Zv‡`i DØ„Ë †iIqvwg‡ji †µwWU
cv‡k emv‡Z nq| †hgb- cÖvß Kwgkb, cÖvß evÆv, wk¶vbexk †mjwg, wewb‡qv‡Mi my`, e¨vsK Rgvi my` BZ¨vw`|
3. Ab¨vb¨ wnmve : µq †diZ ev ewng~©Lx †diZ, e‡Kqv LiP †iIqvwg‡ji †µwWU cv‡k e‡m|
D`vniY :
Rbve RvIqv` Avdbv‡bi wbgœwjwLZ wnmve mg~‡ni D؄˸‡jv w`‡q 2013 mv‡ji 31 wW‡m¤^i Zvwi‡Li GKwU
†iIqvwgj ˆZwi Kiyb :
wnmv‡ei bvg UvKv
g~jab 1,00,000
bM` Znwej 31,000
e¨vsK Rgv 38,000
KjKâv 30,000
AvmevecÎ 14,000
cÖviw¤¢K gRy` 2,500
µq 30,000
weµq 47,000
wewea †`bv`vi 2,000
cvIbv`vi 3,000
†eZb 2,000
weÁvcb 800
LvRbv 1,200
FY 1,500
mgvcYx gRy` cY¨ 10,000

mgvavb
Rbve RvIqv` Avdbvb-Gi
†iIqvwgj
2013 mv‡ji 31 wW‡m¤^i Zvwi‡L
µ.bs wnmv‡ei bvg L.c„. †WweU (UvKv) †µwWU (UvKv)
1 g~jab 1,00,000
2 bM` Znwej 31,000
3 e¨vsK Rgv 38,000
4 KjKâv 30,000
5 AvmevecÎ 14,000
6 cÖviw¤¢K gRy` 2,500
7 µq 30,000

BDwbU `k c„ôv 185

evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

µ.bs wnmv‡ei bvg L.c„. †WweU (UvKv) †µwWU (UvKv)

8 weµq 47,000
9 wewea †`bv`vi 2,000
10 cvIbv`vi 3,000
11 †eZb 2,000
12 weÁvcb 800
13 LvRbv 1,200
14 FY 1,500
1,51,500 1,51,500
UxKv : mgvcbx gRy` cY¨ †iIqvwg‡j AšÍf©~³ nq bv|
DËi : †iIqvwg‡ji †hvMd‡ji mgwó 1,51,500 UvKv|

†iIqvwg‡ji †WweU cv‡k¦© e‡m Ggb 10wU `dvi ZvwjKv cÖ¯‘Z KiæY|
A¨vKwUwfwU ( wb‡R Kwi)
/wkÿv_©xi KvR

mvims‡ÿc:
♦ LwZqv‡bi D؄˸‡jv‡K †WweU I †µwWU Abyhvqx mvwR‡q c„_K KvM‡R †iIqvwgj ˆZwi Ki‡Z nq|
♦ †iIqvwgj cÖ¯‘‡Zi Rb¨ GKwU Q‡K 5wU Ni _v‡K| †m Ni¸‡jv n‡jv- µwgK bs, wnmv‡ei bvg, LwZqvb c„ôv,
†WweU UvKvi Ni I †µwWU UvKvi Ni|
♦ me‡k‡l †iIqvwg‡ji †WweU N‡ii UvKvi AsK¸‡jv Ges †µwWU N‡ii UvKvi AsK¸‡jv Avjv`v †hvM Ki‡Z
nq| hv ci¯úi mgvb nq|

cv‡VvËi g~j¨vqb-10.5
mwVK Dˇii cv‡k wUK (√) wPý w`b
1. †iIqvwgj cÖ¯‘‡Zi Q‡K KqwU Ni _v‡K?
K. 3wU L. 4wU
M. 5wU N. 8wU
2. †iIqvwg‡ji †WweU Kjv‡gi UvKvi Ges †µwWU Kjv‡gi UvKvi †hvMdj ci¯ú‡ii-
K. AwaK nq L. mgvb nq
M. n«vm-e„w× nq N. †Kv‡bvwUB bq
3. †iIqvwg‡j AšÍf©~³ nq bv-
K. cÖvc¨ wnmve L. cÖ‡`q wnmve
M. hš¿cvwZ wnmve N. mgvcbx gRy` cY¨

BDwbU `k c„ôv 186

evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

cvV-10.6 AwbwðZ wnmve eÜ Kiv

D‡Ïk¨
GB cvV †k‡l Avcwb
• AwbwðZ wnmve wK ej‡Z cvi‡eb|
• AwbwðZ wnmve †Kb ˆZwi Kiv nq e¨vL¨v Ki‡Z cvi‡eb|
• AwbwðZ wnmve eÜ Ki‡Z cvi‡eb|

AwbwðZ wnmve
Avgiv Rvwb †iIqvwgj †Kvb wnmve bq| GwU wnmv‡ei MvwYwZK ï×Zv hvPvB‡qi Rb¨ ˆZwi Kiv nq|
GKwU wbw`©ó Zvwi‡Li LwZqv‡bi Dׄ˸‡jv wb‡q †iIqvwg‡ji †WweU I †µwWU w`‡K emv‡bv nq|
Zvici Dfq cv‡k¦©i †hvMdj wbY©q Kiv nq| G †hvMdj ci¯úi mgvb nq| hw` †Kvb AÁvZ Kvi‡Y †iIqvwg‡ji
†Kvb cv‡k¦©i †hvMvdj Kg †ewk nq Zvn‡j †m cv‡k Kg ev †ekx cwigvY UvKvi Rb¨ AwbwðZ wnmve †Lvjv nq|
GwU GKwU mvgwqK wnmve| cieZx©‡Z fyj aiv co‡j AwbwðZ wnmve eÜ Kiv nq|
AwbwðZ wnmve †Kb ˆZwi Kiv nq?
AwbwðZ wnmve wewfbœ D‡Ï‡k¨ ivLv n‡Z cv‡i| G wnmvei¶‡Yi cÖavb D‡Ïk¨ `ywU h_v-
1. ch©vß Z‡_¨i Afv‡e wnmve wgjKiY : hLb †Kvb wbw`©ó Zvwi‡L †Kvb wnmveLvZ n‡Z wbwðZ Z_¨ cvIqv bv
hvq ZLb Pzovš— wnmve cÖ¯‘‡Zi D‡Ï‡k¨ †iIqvwgj wgjv‡bvi Rb¨ AwbwðZ wnmve †Lvjv nq|
D`vnviY¯^iƒc ejv hvq †Kvb cÖwZôvb ev e¨emvqx WvK‡hv‡M 28 wW‡m¤^i 2013 Zvwi‡L 15,000 UvKv †c‡jb
wKš‘ †K UvKv cvVvj Zv wZwb 31.12.13 Zvwi‡Li g‡a¨ Rvb‡Z cvi‡jb bv| GB †¶‡Î mwVK wnmve wbY©‡qi
Rb¨ D³ cÖwZôvb‡K AwbwðZ wnmve Ly‡j 15,000 UvKv †µwWU Ki‡Z n‡e| c‡i mwVK wnmve‡K †µwWU K‡i
AwbwðZ wnmve‡K †WweU Ki‡Z n‡e| djvdj¯^iƒc AwbwðZ wnmve Gi e¨v‡jÝ k~Y¨ n‡e|
2. m‡e©vËg cÖ‡Póvi ciI †iIqvwgj bv wgj‡j Zv wgjKiY : GKwU wbw`©ó Zvwi‡L †iIqvwg‡ji †hvMdj bv wgj‡j
P~ovšÍ †Póv K‡i fyj †ei Kivi †Póv Ki‡Z n‡e| h_vh_ †Póv Kivi ciI hw` †iIqvwg‡ji Dfq w`‡Ki
†hvMdj bv wg‡j Zvn‡j `yB w`‡Ki †hvMd‡ji cv_©K¨ w`‡q GKwU bZzb wnmve †i‡L †iIqvwgj †gjv‡bv nq|
GwUB nj AwbwðZ wnmve| †iIqvwg‡ji †h w`‡K UvKvi cwigvY Kg _v‡K AwbwðZ wnmv‡ei UvKv †mBw`‡K
†jLv nq|
D`vniY¯^iƒc, ejv hvq- weµh wnmv‡ei †hvMdj 500 UvKv Kg †jLv n‡j hv P~ovš— wnmv‡ei w`bI Luy‡R †ei
Kiv †Mj bv| G‡¶‡Î †iIqvwg‡j †µwWU cv‡k¦©i †hvMdj 500 UvKv Kg n‡e| GB 500 UvKv Kg †i‡L
†iIqvwgj wgjv‡Z n‡e| G‡¶‡Î AwbwðZ wnmve n‡e †µwWU w`‡K 500 UvKv|
AwbwðZ wnmve eÜ Kiv :
†h mvgwqK wnmve e¨env‡ii gva¨‡g †iIqvwgj wgwj‡q P~ovšÍ wnmve cÖ¯‘Z Kiv nq Zv‡K AwbwðZ wnmve e‡j|
cÖ_gZ: cÖ‡qvRbxq Z‡_¨i Afv‡e AwbwðZ wnmve Lyj‡j cieZx©‡Z mwVK wnmve Lyu‡R †ei Ki‡Z nq| Zvici H
wnmve‡K †WweU A_ev †µwWU Ges Abyiƒcfv‡e AwbwðZ wnmve‡K Zvi D‡ëv A_©vr †µwWU A_ev †WweU
K‡i AwbðZ wnmve eÜ Kiv nq|
wØZxqZ: me©vZ¥K †Póvi ciI †iIqvwgj bv wgj‡j Zvi Rb¨ AwbwðZ wnmve †Lvjv nq| †m †¶‡Î jvf-†jvKmvb
mgš^q wnmve‡K †WweU A_ev †µwWU K‡i AwbwðZ wnmve‡K eÜ Ki‡Z nq|

BDwbU `k c„ôv 187

evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

g‡b ivL‡eb, wnmv‡e AwbwðZ wnmve bv ivLvi †Póv Kiv DwPr| KviY G‡Z AjmZv I cÖZviYv †`Lv w`‡Z
cv‡i| hw`I ivLv nq †m‡¶‡Î AwZ `ªyZZvi mv‡_ fyj¸‡jv Lyu‡R †ei K‡i h_vh_ e¨e¯’vi gva¨‡g AwbwðZ
wnmve eÜ Ki‡Z n‡e|

wK wK Dcv‡q AwbwðZ wnmve eÜ Kiv hvq wjLyb|

A¨vKwUwfwU ( wb‡R Kwi)
/wkÿv_©xi KvR

mvims‡ÿc:
♦ AwbwbðZ wnmve Ly‡j mvgwqKfv‡e †iIqvwgj †gjv‡bv nq|
♦ cÖ‡qvRbxq Z‡_¨i Afv‡e A_ev me©vZ¥K cÖ‡Póvi c‡iI †iIqvwg‡j Mowgj †`Lv w`‡j Ges mvgwqKfv‡e
†iIqvwgj †gjv‡j Zv‡K AwbwðZ wnmve e‡j|
♦ †iIqvwgj mvgwqKfv‡e †gjv‡bvB AwbwðZ wnmv‡ei D‡Ïk¨ Z‡e Ah_v e¨envi Aby‡gvw`Z bq| G‡Z AjmZv
I cÖZviYv †`Lv w`‡Z cv‡i|

cv‡VvËi g~j¨vqb-10.6
mwVK Dˇii cv‡k wUK (√) wPý w`b
mwVK Dˇii cv‡k wUK (√) wPý w`b :
1. mvaviYZ mvgwqKfv‡e †iIqvwgj †gjv‡bvi D‡Ï‡k¨ †h wnmve †Lvjv nq Zv‡K wK e‡j?
K. µq wnmve L. weµq wnmve
M. AwbwðZ wnmve N. P~ovšÍ wnmve
2. AwbwðZ wnmve ivLvi g~j D‡Ïk¨ †KvbwU?
K. LwZqvb wgjKiY L. †iIqvwgj wgjKiY
M. Li‡Pi wgjKiY N. P~ovšÍ wnmve
3. AwbwðZ wnmve †iIqvwg‡j-
i. †WweU DØ„Ë cÖKvk K‡i
ii. †µwWU DØ„Ë cÖKvk K‡i
iii. †WweU I †µwWU Kjv‡gi cv_©K¨ wb‡`©k K‡i
wb‡Pi †KvbwU mwVK?
K. i L. ii
M. i I ii N. iii

BDwbU `k c„ôv 188

evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

P~ovšÍ g~j¨vqb:

m„Rbkxj cÖkœ-1

wbgœwjwLZ LwZqvb DØ„Ëmg~n Rbve Avdbvb Gi 2013 mv‡ji 31 wW‡m¤^i Zvwi‡Li :

UvKv UvKv
nv‡Z bM` 12,000
gRywi 2,000 evÆv cÖvwß 1,000
5% e¨vsK FY 5,000 †eZb 5,000
cÖvc¨ wnmve 20,000 cÖ‡`q wnmve 14,000
g~jab 40,000 cÖ‡`q wej 6,000
AvmevecÎ 18,000 cÖvc¨ wej 4,000
10% wewb‡qvM 20,000 `vjvb‡KvVv 20,000
cY¨ µq 60,000 mgvcbx gRy` cY¨ 25,000
enb LiP 2,000 weµq 70,000
cÖviw¤¢K gRy` cY¨ 15,000 weÁvcb 3,000
K. mgwš^Z µ‡qi cwigvY wbY©q KiyY|
L. DcwiD³ D؄˸‡jv Aej¤^‡b GKwU †iIqvwgj cÖ¯‘Z KiyY|
M. ¯’vqx m¤úwË I `xN©‡gqv`x `v‡qi cwigvY wbY©q KiyY|

m„Rbkxj cÖkœ-2
bx‡Pi LwZqvb D؄˸‡jv ixZv G›UvicÖvB‡Ri 2013 mv‡ji 31 wW‡m¤^i Zvwi‡Li :
UvKv UvKv
ixZvi g~jab 85,000 mybvg 25,000
cY¨ µq 80,000 bM` Znwej (31-12-13) 4,000
AwMÖg Avq 10,000 gRy` cY¨ 30,000
gwbnvwi 2,500 weµq cwienb 6,000
cY¨ weµq 1,12,000 ewnt†diZ 1,000
Abv`vqx †`bv mwÂwZ 7,000 wewb‡qv‡Mi my` 2,500
e‡Kqv †eZb 1,000 AvmevecÎ 22,000
bM` Znwej (1-1-13) 500 KjKâv 28,000
D‡Ëvjb 10,000 gvmyg‡K FY cÖ`vb 16,000
gRy` cY¨ (1-1-13) 21,500
K. Dc‡ii †jb‡`b¸‡jv †_‡K †Kvb¸‡jv †iIqvwg‡j AšÍf©~³ n‡e bv wjLyb|
L. ¯’vqx m¤úwË I AwbwðZ wnmv‡ei cwigvY wbY©q KiyY|
M. Dchy©³ †jb‡`b¸‡jv Aej¤^‡b †iIqvwgj cÖ¯‘Z KiyY|

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m„Rbkxj cÖkœ-3
2013 mv‡ji 31 wW‡m¤^i Zvwi‡Li Avj Avwgb eªv`vm© Gi LwZqvb D؄˸‡jv wbgœiƒc wQj :

wnmv‡ei bvg UvKv wnmv‡ei bvg UvKv

`vjvb-†KvVv 75,000 wk¶vbexk †mjvgx 1,000
KjKâv I hš¿cvwZ 50,000 cÖvc¨ wnmve 35,000
†eZb I gRywi 10,000 cÖvc¨ wej 4,500
Abv`vqx cvIbv 1,450 5% FY (31-12-13) 20,000
µq 1,90,000 g~jab 45,000
weµq 3,50,000 µq †diZ 1,250
cÖvß evÆv 3,000 weµq †diZ 1,300
FY (1-1-13) 18,000 e‡Kqv gRywi 1,000
10% wewb‡qvM (1-1-13) 34,000 mgvcbx gRy` cY¨ 30,000
Avš—tcwienb 1,250 10% wewb‡qvM (31-12-13) 25,000
cÖviw¤¢K gRy` cY¨ 25,000 nv‡Z bM` 2,750
K. †Kvb †Kvb `dvmg~n †iIqvwg‡j AšÍf©~³ n‡e bv cwigvYmn wjLyb|
L. g~jab RvZxq e¨q I gybvdv RvZxq e¨‡qi cwigvY wbY©q KiæY|
M. 2013 mv‡ji †iIqvwgjwU cÖ¯‘Z KiæY|
m„Rbkxj cÖkœ-4
Rbve Av‡e` GÛ †Kvs-Gi wnmv‡ei eB †_‡K D؄˸‡jv †bIqv n‡q‡Q|
wnmv‡ei bvg †WweU wnmv‡ei bvg †µwWU
UvKv UvKv
cÖviw¤¢K gRy` cY¨ 10,500 wgt Av‡e‡`i g~jab 35,000
cÖvc¨ wnmve 35,000 cÖ‡`q wnmve 25,000
cY¨ weµq 73,950 cY¨ µq 55,500
ewnt‡diZ 500Avš—t‡diZ 950
gRywi 4,500 e¨vsK Rgvi DØ„Ë (1-1-13) 20,000
†eZb 4,800 weµq cwienb 1,550
fvov 2,300 Abv`vqx cvIbv 800
AvmevecÎ 1,200Abv`vqx cvIbv mwÂwZ 1,500
bM` Znwej 4,050 weÁvcb 800
e¨vsK Rgvi DØ„Ë (31-12-13) 4,000 KjKâv 10,000
mgvcbx gRy` cY¨ 28,400
K. †Kvb †Kvb `dv¸‡jv †iIqvwg‡j AšÍf©~³ n‡e bv wjLyb|
L. gybvdv RvZxq Avq I e¨‡qi cwigvY wbY©q KiæY|
M. Dch©y³ LwZqvb DØ„Ë Øviv †iIqvwgj cÖ¯‘Z KiæY|

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evsjv‡`k Dš§y³ wek^we`¨vjq GmGmwm †cÖvMÖvg

m„Rbkxj cÖkœ-5
ivqnvb GÛ †Kvs-Gi wnmve eB †_‡K wb‡gœv³ Dׄ˸‡jv †bIqv n‡q‡Q t
wnmv‡ei bvg †WweU †µwWU wnmv‡ei bvg †WweU †µwWU
cÖviw¤¢K gRy` cY¨ 61,740 nv‡Z bM` 1,140
mgvcbx gRy` cY¨ 49,777 e¨vsK RgvwZwi³ 33,000
g~jab 3,00,000 my` cÖ`vb 3,300
m¤úwËmg~n 2,37,000 fvov e‡Kqv 11,400
cÖ‡`q wnmve 37,500 cÖ‡`q wej 24,000
cÖvc¨ wnmve 62,010 cÖvc¨ wej 45,000
Avš—t‡diZ 7,200 gRywi I †eZb 94,200
mgwš^Z µq 1,82,760 ißvwb ïé 2,400
weµq 3,07,800 ewnt‡diZ 3,690
cÖ`Ë evÆv 2,280 Avš—tcwienY 2,400
fvov I Ki 21,390 Avg`vwb ïé 3,600
cÖvß Kwgkb 2,610 ewntcwienY 5,550
K. gRy` cY¨ †KvbwU AšÍf©~³ n‡e Ges †Kb?
L. †iIqvwgjwU cÖ¯‘Z KiæY|
M. g~jab RvZxq e¨q Ges gybvdvRvZxq e¨‡qi cwigvY wbY©q KiæY|

m„Rbkxj cÖkœ-6
wg. Zvmwd‡Ki wb‡gœi LwZqvb D؄˸‡jv 2013 mv‡ji 31†k wW‡m¤^i Zvwi‡Li t
wnmv‡ei bvg UvKv wnmv‡ei bvg UvKv
`vjvb‡KvVv 30,000 DcfvovwUqv n‡Z cÖvß fvov 1,000
AvmevecÎ 8,000 cY¨ weµq 1,50,000
g~jab 30,000 cÖ‡`q wej 15,000
D‡Ëvjb 5,000 FY wnmve 10,000
e¨vsK RgvwZwi³ D‡Ëvjb 4,200 hš¿cvwZ 10,000
gRy` cY¨ (1.1.2013) 22,000 weµq cwienb 1,000
cÖ‡`q wnmve 13,800 †eZb 3,000
cY¨ µq 1,10,000 e¨vsK Rgv 15,000
cÖvc¨ wnmve 18,000 weµq †diZ 2,000

K. wg: Zvmwd‡Ki gybvdvRvZxq e¨‡qi cwigvY wbY©q KiiæY|

L. Dc‡iv³ Z‡_¨i Av‡jv‡K g~jabRvZxq cÖvwßi cwigvY wbY©q KiyY|
M. wg: Zvmwd‡Ki †iIqvwgjwU cÖ¯‘Z KiyY|

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m„Rbkxj cÖkœ-7
†bIqvR †UªWv‡m©i wbgœwjwLZ LwZqvb wnmvemg~‡ni D؄˸‡jv 2013 mv‡ji 31 wW‡m¤^i Zvwi‡L †bIqv
n‡q‡Q|
wnmv‡ei bvg UvKv wnmv‡ei bvg UvKv
nv‡Z bM` 7,500 fvov cÖvß 2,500
µq 90,000 cÖviw¤¢K gRy` 22,000
mvaviY LiP 5,000 cÖvc¨ wnmve 30,000
wewb‡qv‡Mi my` 2,000 cÖviw¤¢K wewb‡qvM 18,000
weµq 1,30,000 cÖ‡`q wnmve 25,000
g~jab 90,000 6% wewb‡qvM 25,000
D‡Ëvjb 15,000 e¨vsK Rgvi my` 5,000
mgvcbx gRy` cY¨ 15,000 KjKâv I hš¿cvwZ 30,000
AvmevecÎ 15,000 f~wg I `vjvb‡KvVv 50,000
K. †bIqvR †UªWv‡m©i ‡iIqvwg‡j KZ UvKv AšÍf©~³ n‡e bv?
L. mgwš^Z µ‡qi cwigvY wbY©q KiæY|
M. Dch©y³ Z‡_¨i Av‡jv‡K GKwU †iIqvwgj cÖ¯‘Z KiæY|
m„Rbkxj cÖkœ-8
2013 mv‡ji 31 wW‡m¤^i Zvwi‡L wRqv GÛ m‡Ýi LwZqvb wnmvemg~‡ni D؄˸‡jv wb‡gœ Zz‡j aiv n‡jv t
wnmv‡ei bvg UvKv wnmv‡ei bvg UvKv
cÖ`Ë Kwgkb 1,000 wk¶vbwem †mjvgx 1,500
cÖvc¨ wnmve 30,000 wegv †mjvgx 500
g~jab 50,000 µq †diZ 2,000
cÖviw¤¢K gRy`cY¨ 19,000 Avg`vbx ïé 2,000
cÖ‡`q wnmve 18,000 wewb‡qvM 15,000
†Nvov I Mvwo 10,000 eÜKx FY (31-12-13) 20,000
µq 25,000 eÜKx FY (1-1-13) 38,000
nv‡Z bM` 10,000 †givgZ 2,000
e¨vs‡K Rgv 31,000 wewb‡qv‡Mi my` 1,500
weµq 60,000 eÜKx F‡Yi my` 1,000
gRywi 7,000 `vjvb‡KvVv 30,000
cÖ`Ë evÆv 2,000 cÖvß evÆv 1,000
†eZb 10,000 cÖvß Kwgkb 2,000
mvaviY mwÂZ 16,500 Abv`vqx cvIbv 6,000
mgvcwb gRy` cY¨ 30,000
K. †iIqvwg‡j †h D؄˸‡jv AšÍf©~³ n‡e bv Zvi cwigvY KZ?
L. wRqv GÛ m‡Ýi †iIqvwgjwU cÖ¯‘Z KiæY|
M. Dch©y³ Z‡_¨i Av‡jv‡K GKwU †iIqvwgj cÖ¯‘Z KiæY|

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m„Rbkxj cÖkœ-9
Rbve kv‡n` Gi wbgœwjwLZ LwZqvb wnmvemg~‡ni DØ„Ë Øviv 2013 mv‡ji 31 wW‡m¤^i Zvwi‡Li †iIqvwgj
cÖ¯‘Z KiyYt
wnmv‡ei bvg UvKv wnmv‡ei bvg UvKv
nv‡Z bM` 15,000 gRywi 7,000
e¨vsK RgvwZwi³ 22,000 mgvcbx gRy` 20,000
g~jab 50,000 mvaviY mwÂwZ 16,000
D‡Ëvjb 10,000 Dc-fvov 8,000
Abv`vqx cvIbv 3,000 e¨vsK PvR© 200
evÆv 2,000 Avš—tcwienb 700
wewea †`bv`vi 35,000 ewntcwienb 500
cÖ‡`q wej 15,000 evwo fvov 5,000
wewea cvIbv`vi 24,000 gwbnvwi 500
cÖvc¨ wej 25,000 wk¶vbwem †mjvgx 2,000
AvmevecÎ 4,1000 Kwgkb cÖvwß 3,000
`vjvb‡KvVv 40,000 F‡Yi my` 2,000
8% wewb‡qvM 70,000 †eZb 10,000
weµq 80,000 e‡Kqv †eZb 3,000
6% FY 24,000 AwMÖg cÖ`Ë evwo fvov 2,000
mgwš^Z µq 60,000 AwMÖg weÁvcb LiP 3,000
K. mgwš^Z µq wbY©q Kivi m~ÎwU wK?
L. gybvdv RvZxq Avq I g~jab RvZxq e¨‡qi cwigvY wbY©q KiyY|
M. Rbve kv‡n‡`i †iIqvwgjwU cÖ¯‘Z KiyY|

m„Rbkxj cÖkœ-10

†nv‡mb GÛ eªv`v‡m©i wbgœwjwLZ LwZqvb wnmvemg~‡ni DØ„Ë Øviv 2013 mv‡ji 31†k wW‡m¤^i Zvwi‡Li †iIqvwgj
cÖ¯‘Z KiæYt
wnmv‡ei bvg UvKv wnmv‡ei bvg UvKv
mgvcbx gRy`cY¨ 35,000 `vjvb‡KvVv 50,000
cÖ‡`q wnmve 30,000 10% wewb‡qvM 30,000
cÖvc¨ wnmve 40,000 KjKâv 24,000
bM` Znwej 20,000 wewb‡qv‡Mi my` 3,000
e¨vs‡K Rgv 32,000 8% FY 50,000

BDwbU `k c„ôv 193

evsjv‡`k Dš§y³ wek^we`¨vjq wnmveweÁvb

wnmv‡ei bvg UvKv wnmv‡ei bvg UvKv

Avš—t‡diZ 9,000 †eZb 12,000
fvov cÖvwß 2,000 bM` Znwej (1-1-13) 8,000
cY¨ µq 80,000 F‡Yi my` 3,000
cY¨ weµq 1,50,000 cÖviw¤¢K gRy` cY¨ 25,000
K. †Kvb †Kvb `dv¸‡jv †iIqvwg‡j hv‡e bv cwigvY mn wjLyb|
L. g~ja‡bi cwigvY wbY©q KiæY|
M. †nv‡mb GÛ eªv`vm©-Gi †iIqvwgjwU cÖ¯‘Z KiæY|

DËigvjv
cv‡VvËi g~j¨vqb - 10.1 : 1. M 2. N 3. M 4. M|
cv‡VvËi g~j¨vqb - 10.2 : 1. N 2. N|
cv‡VvËi g~j¨vqb - 10.3 : 1. M 2. N 3. L|
cv‡VvËi g~j¨vqb - 10.4 : 1. M 2. M|
cv‡VvËi g~j¨vqb - 10.5 : 1. M 2. L 3. N|
cv‡VvËi g~j¨vqb - 10.6 : 1. M 2. L 3. N|

BDwbU `k c„ôv 194