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sDkgLsf] gfd M o; sDkgLsf] gfd OlGhlgol/ sG;]K6 k|f=ln= x'g]5 . o;nfO{ c+u|]hLdf
Engineering Concept Pvt. Ltd.) elgg]5 .
sDkgLsf] /lhi68{ sfof{no /xg] 7]ufgf M o; sDkgLsf] /lhi68{ sfof{no / sf/f]jf/ ug]{ :yfg
eQmk'/ lhNnf, l;kf8f]n uf=lj=;=, j8f g+= ! df /xg] 5 . sfof{nosf] :jLs[lt lnO{ sDkgLn]
cfjZostf cg';f/ /lhi68{ sfof{no :yfgfGt/0f ug{ / zfvf sfof{nox? vf]Ng ;Sg]5 .
sDkgLn] ug]{ Joj;fo jf sf/f]jf/sf] k|s[lt Mo;
M sDkgLn] ug]{ sf/f]jf/ ;]jfd'ns x'g]5 .
sDkgLsf] p2]Zo M
-!_ o; sDkgLsf] p2]Zo b]xfo adf]lhd x'g]5 M
s_ OlGhlgol/ ljifodf cWoog, cg';Gwfg, Tfflnd tyf k/fdz{ (Reserch and Consultancy)
;]jf k|bfg ug]{ .
v_ a}+s tyf ljlQo sDkgLx?, ;+3;+:yfx?, kmd{ / sDkgLx?sf nfuL rn crn ;DklQ
d'Nofg (Property Valuation) ;DalGw sfo{ ug]{ .
u_ IftL lgwf{/0f (Loss Assessment) ;e]{o/ ;DaGwL ;]jf k|bfg ug]{ .
3_ vfg]kfgL, l;+rfO, ;8s, k'n, ejg tyf hnljB't kl/of]hgfsf ;fy} cf}Bf]lus kl/of]hgfsf]
;+efJotf cWoog, ;e]{, l8hfOg tyf sG;N6]G;L sfo{ ug]{ .
_ k|fljlws cWoog cg';Gwfg, jftfj/0fLo cWoog, a];nfOg tyf k|efj d"Nof+sg ;DjGwL
cWoog cg';Gwfg ug]{ .
r_ u/LjL lgjf/0f ;DjGwL k/Dk/fut tyf j}slNks sfo{qmd cWoog, cg';Gwfg, cg'udg
tyf d"Nof+sg ug]{ .
5m_ jftfj/0f / ag Joj:yfkgsf ;fy} j}slNks phf{ ;DjGwL sfo{qmd tyf kl/of]hgfsf]
cWoog, cg';Gwfg tyf ;j]{If0f sfo{ ug]{ .
h_ gljs/0fLo phf{ ;DaGwL sfo{ ug]{ tyf ;f] ;DaGwdf k/fdz{ ;]jf pknAw u/fpg] sfo{
ug]{ ;fy} xfO8f] kfj/ pTkfbg ;DaGwL cWoog, cg';Gwfg, k/fdz{ / pTkfbg ;DaGwL
k/fdz{ lbg] sfo{ug]{ .
_ cfly{s ;fdflhs ljifodf cWoog ug]{ / OlGhlgol/ k/fdz{ ;]jf pknAw u/fpg] sfo{
ug]{
`_ dfgjLo >f]t ljsf; tyf of]hgf ;DaGwL k/fdz{ ;]jf pknAw u/fpg] sfo{ ug]{ .
6_ xfplh k|f]h]S6 l8hfOg, sG;N6L tyf sfof{Gjog ;DaGwL sfo{ ug]{, kl/of]hgfx?sf]
kmfObf, a]kmfObf / d'Nofsg tyf cg'udg ug]{ sfo{ ug]{, cf}Bf]lus of]hgf tyf ljsf;
;DaGwL k/fdz{ ;]jf pknAw u/fpg] sfo{ ug]{ .
7_ /fli6o tyf cGt/fli6o :t/df x'g] hnljB't tyf ljleGg phf{ ljsf;sf] nflu af]n saf]n,
6]08/df efu lng], lng nufpg] .
b_ cfls{6]Sr/n l8hfOg, OG6]l/o/ l8hfOg, jf:t'zf:q tyf km]G;'O{ ;DaGwL sfo{ tyf k/fdz{ ;]jf
pknAw u/fpg] .
%=
^=
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(=
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-s_ sDkgLnfO{ cfjZos kg]{ hUuf, ejg, ;jf/L ;fwg / cfjZos pks/0f vl/b ug]{ jf ef8fdf
lnO{ k|of]u ug]{ .
-v_ sDkgLnfO{ cfjZos kg]{ sd{rf/L lgo'Qm ug]{ tyf ltgsf] ;]jfsf zt{x? lgwf{/0f ug]{ .
-u_ sDkgLsf] gfddf a}+s tyf ljlQo ;+:yfdf vftf vf]Ng] / ;~rfng ug]{ .
-3_ sDkgLnfO{ cfjZos /sd a}+s jfs'g} ljlQo;+:yfaf6 sDKfgLn] lwtf] /flv jf g/fvL shf{ lng]
-_ sDkgLsf] gfdaf6 z]o/ tyf l8j]Gr/ vl/b ug]{ tyf To;nfO{ laqmL ug]{ .
-r_ cGo cfjZos s'/fx? M
M
-!_ sDkgLnfO{ cfs:dLs Ifltaf6 arfpg sDkgLsf] d]l;g/L, ejg nufot ;a} k|sf/sf
;DklQx?sf] cfjZostfg';f/ ljdf u/fpg ;Sg]5 .
-@_ sDkgLsf] gfdaf6 ljn ckm PS;r]Gh, k|f]dLz/L gf]6, r]s cflb hf/L ug{ b/lk7 ug{
e"Qmflg lng, lbg, Pn=l;= vf]Ng ;Sg]5 .
-#_ sDkgLsf] Jokf/Ls lxt ;+/If0fsf] nflu l8hfOg / 6]8dfs{ btf{ u/L xs clwsf/ pkof]u
ug{ ;Sg]5 .
-$_ sDkgLsf] tkm{af6 jf sDkgL lj?4 k/]sf d'2f dfldnfx?sf] k'k{If, k|lt/Iff ug]{, lnlvt
hjfkm k]z ug]{ o; ;DaGwdf cfjZos sfg"gL ;]jf k|fKt u/L cfgf] xs clwsf/sf]
;+/If0f ug]{ .
-%_ sDkgLsf] cfgf] nIo / p2]Zo k|fKt ug{sf] nflu ;j{;fwf/0fnfO{ al9 hfgsf/L u/fpg
ljleGg ;+rf/sf;fwg tyf kq klqsfaf6 lj1fkg ;"rgf cflbaf6 k|rf/ k|;f/ ug]{,u/fpg] .
-^_ sDkgLsf] nflu cfjZos gkg]{, hUuf, hldg, rn crn ;DktL ljqmL ug]{ .
sDkgLsf] k"FhLsf] ;+/rgf M sDkgLsf] k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 M
s_ sDkgLsf] clws[t k"FhL ?= %,)),))). -cIf/]kL kfFr nfv dfq_ x'g]5 . ;f] k"FhLnfO{ k|ltz]o/
?= !)). b/sf %))) yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
v_ sDkgLsf] tTsfn hf/L ug]{ k"FhL ?= %,)),))). -cIf/]kL kfFr nfv dfq_ x'g]5 . ;f] k"FhLnfO{
k|ltz]o/ ?= !)). b/sf %))) yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
u_ sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ sa'n u/]sf] k"FhL ?= #,)),))).-tLg nfv_ x'g]5 .
sDkgLsf] z]o/sf] lsl;d M sDkgLsf] z]o/sf] lsl;d b]xfo adf]lhd x'g]5 M
-!_ sDkgLsf z]o/x? ;a} ;fwf/0f z]o/df dfq ljefhg u/L hf/L ul/Psf] 5 .
-@_ tTsfn cu|flwsf/ z]o/ ;DaGwL s'g} Joj:yf ul/Psf] 5}g .
-#_ xfn cGo s'g} k|sf/sf] z]o/ hf/L ul/Psf] 5}g kl5 ;fwf/0f z]o/ afx]ssf cGo z]o/x? hf/L
ug'{ kg]{ ePdf ;fwf/0f ;efaf6 lg0f{o u/L sfof{noaf6 :jLs[lt k|fKt u/L ;f]xL adf]lhd
ljleGg k|sf/sf z]o/x? hf/L ug{ / ljleGg k|sf/sf z]o/jfnfx?sf] clwsf/ tyf zt{sf
s'/fx? tf]lsg]5 .
z]o/ v/Lb jf x:tfGt/0f ug{ s'g} aGb]h /x]sf] eP ;f] s'/f M
-s_ sDkgLsf] k|yd aflif{s ;fwf/0f ;ef geP;Dd ;+:yfksx?n] lng sa'n u/]sf] z]o/ vl/b jf
x:tfGt/0f x'g] 5}g . t/ sDkgLdf hu]8fdf /x]sf] z]o/ ljlqm ug{ k|yd aflif{s ;ef x'g
cfjZos kg]{ 5}g .
-v_ sDkgLaf6 dfu ul/Psf] z]o/ jfktsf] dfu /sd k"/f r'Qmf gu/];Dd .
-u_ ;~rfns ;ldltsf] d~h"/L glnP ;Dd .
z]o/ jfktsf] /sdsf] e'QmfgL M
-!_ sDkgLn] cfkm\gf] cfjZostfg';f/ ;~rfns ;ldltsf] a}7saf6 lg0f{o u/L z]o/ jfktsf] /sd
cflzs jf k"0f{ ?kn] e'QmfgL dfu ug{ ;Sg]5 .
-@_ z]o/ jfkt sDkgLn] dfu u/]sf /sdx? lgwf{l/t ;dodf z]o/wgLn] a'emfpg' kg]{5 .
-#_ z]o/ jfktsf] /sd dfu ug]{, dfu u/]sf] /sd lgwf{l/t ;dofjlwleq a'emfpg], e'QmfgLsf]
Dofb yk dfu ug]{ tyf sDkgLn] Dofb lbg] h:tf s'/fx?sf] Joj:yf lgodfjnLdf pNn]v eP
adf]lhd x'g]5 .
z]o/wgLsf] clwstd ;+Vof M o; sDkgLdf a9Ldf %) hgf ;Dd z]o/wgLx? sfod /xg]5g\ . t/
sd{rf/Lx?nfO{ z]o/ lalqm ug]{ of]hgf cGtu{t sDkgLsf z]o/ vl/b u/]sf sd{rf/L jf To:tf] of]hgf
cGtu{t z]o/ vl/b ul/;s]sf t/ tTsfn sDkgLsf ;]jfdf g/x]sf sd{rf/LnfO{ z]o/wgLsf]
clwstd ;+Vofsf] lgwf{/0f ug]{ k|of]hgsf] nflu u0fgf ul/g] 5}g .
!!=
!@=
!#=
!$=
!%=
!^=
bfloTj l;ldt x'g] M o; sDkgLsf] sf/f]jf/sf] ;DaGwdf z]o/wgLsf] bfloTj lghn] vl/b u/]sf] jf
vl/b ug{ sa'n u/]sf] z]o/sf] c+lst d'No;Dd dfq l;ldt /xg]5 . t/ s'g} z]o/wgL jf ;+rfnsn]
;f] x}l;otdf t];|f] kIf;Fu u/]s]f JolQmut hdfgt ;DalGw ;Demf}tf adf]lhdsf] bfloTjsf] xsdf of]
Joj:Yff nfu' x'g] 5}g .
cGo cfjZos s'/fx? M
-!_ sDkgLsf] ;+:yfkgf ubf{ nfu]sf] vr{ sDkgLn] g} Joxf]g'{ kg]{5 .
-@_ ;+:yfks jf cGo s'g} JolQmn] gub afx]s x'g] lsl;daf6 z]o/ vl/b ug]{ jf z]o/df xs kfpg
;Sg]5 .
-#_ sDkgLn] sf/f]jf/ ;'? ubf{sf] avtdf ;+:yfks jf cGo s'g} JolQmaf6 s'g} lsl;d;Fu s'g}
;DkQL k|fKt ug]{ ;DaGwdf tTsfn s'g} Joj:yf gePsf] .
-$_ ;+:yfks jf cGo s'g} JolQmn] sDkgLaf6 s'g} ljz]if ;x'lnot jf clwsf/ kfpg] jf gkfpg]
;DaGwdf xfn s'g} Joj:yf gul/Psf] .
-%_ sDkgLsf] z]o/ laqmL jf x:tfGt/0fdf s'g} aGb]h g/x]sf] .
sDkgLsf]
sDkgLsf] k|s[tL cg';f/ s'g} yk Joj:yf eP ;f] s'/f M o; sDkgLsf] k|s[lt cg';f/ xfnnfO{ s'g}
yk Joj:yf gePsf] .
k|aGwkqdf ;+zf]wg ePdf nfu' x'g] Joj:yf M o; k|aGwkqdf s'g} ;+zf]wg ug'{ kg]{ ePdf ;fwf/0f
;efaf6 ljz]if k|:tfj kfl/t u/L jf ;j{ ;j{;Ddt ;Demf}tfdf pNn]v eP adf]lhd lg0f{o u/L ;f]
k|:tfj jf lg0f{o sfof{nodf clen]v ePkl5 dfq k|aGwkq ;zf]wg ePsf] dflgg]5 .
k|aGwkq aflemPsf] xb;Dd cdfGo x'g] M o; k|aGwkqdf n]lvPsf] s'/f sDkgL P]g, @)^# jf cGo
k|rlnt sfg"g;Fu afFlemPdf afFlemPsf] xb;Dd :jtM ab/ x'g]5 .
;+:yfksx?n] tTsfn lng sa'n u/]sf] z]o/ ;+Vof / pb\
\3f]if0f M xfdL OlGhlgol/ sG;]K6 k|f=ln=
pb3f]
sf ;+:yfksx?n] of] sDkgL ;+:yfkgf u/L k|rlnt sfg"g adf]lhd ;+rfng ug{ d~h'/ u/]sf 5f}+ . of]
k|aGwkqdf pNn]lvt xfd|f] gfd, 7]ufgf, x:tfIf/, xfdLn] lng sa'n u/]sf] z]o/ / ;fIfL ;DaGwL
Joxf]/f l7s ;fFrf] xf] . s'g} sf/0fn] em'f 7xl/g uPdf sDkgL btf{ kZrft\ l;h{gf x'g] bfloTj Joxf]g{
xfdL tof/ 5f}+ . of] k|aGwkqdf n]lvPsf] s'/f ;fFrf] xf], em'f 7x/] sfg"g adf]lhd ;xg a'emfpg
d~h'/ 5f}+ elg ;lx5fk u/]sf 5f}+ .
;+:yfkssf] gfd, 7]ufgf / ;xL5fk
afa'kltsf] gfd
gf=k|=g+=/ gful/stf k|fKt lng sa"n u/]sf] ;fIfLsf] gfd, y/, 7]ufgf / ;xL5fk ;fIfLsf] gful/stfsf]
u/]sf] lhNnfljb]zL eP
z]o/ ;+Vof
k|df0fkq g+= / lhNnf
/fxbfgL g+=
b=
b=
/Tg rGb
ah|frfo{
gf=k|=g+= M &@%$
lhNnf M eQmk'/
!)))
yfg
gfdM
7]ufgfM
gf=k|=g+=
lhNnf M
b=
b=
@= gfdM >L /3'gfy k|hfktL
:yfoL 7]ufgf M eQmk'/ lhNnf, eQmk'/
g=kf= j8f g+=!
bf=
jf=
sfzL gf/fo0f
k|hfktL
b=
#= gfdM >L /fh]z ufO+h'
:yfoL 7]ufgf M eQmk'/ lhNnf, Gx'5] eQm
ufO{h'
eQmk'/ g=kf= j8f g+=#
bf=
jf=
gf=k|=g+= M
%+%^(^
lhNnf M eQmk'/
!)))
yfg
gfdM
7]ufgfM
gf=k|=g+=
lhNnf M
b=
gf=k|=g+= M
$%*@(
lhNnf M eQmk'/
!)))
yfg
gfdM
7]ufgfM
gf=k|=g+=
lhNnf M
Olt ;Dat\ @)^& ;fn d+l;/ dlxgf @& ut] /f]h @ z'ed\ ======== .
$=
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sDkgLsf] gfd M o; sDkgLsf] gfd OlGhlgol/ sG;]K6 k|f=ln= x'g]5 . o;nfO{ c+u|]hLdf
Engineering Concept Pvt. Ltd.) elgg]5 .
sDkgLsf] /lhi68{ sfof{no /xg] 7]ufgf
ufgf M o; sDkgLsf] /lhi68{ sfof{no / sf/f]jf/ ug]{ :yfg
eQmk'/ lhNnf, l;kf8f]n uf=lj=;=, j8f g+=! df /xg] 5 . sfof{nosf] :jLs[lt lnO{ sDkgLn]
cfjZostf cg';f/ /lhi68{ sfof{no :yfgfGt/0f ug{ / zfvf sfof{nox? vf]Ng ;Sg]5 .
kl/efiff M ljifo jf k|;+un] csf]{ cy{ gnfu]df o; lgodfjnLdf M
M
-s_ P]g eGgfn] sDkgL P]g @)^# ;Demg' k5{ .
-v_ sfof{no eGgfn] sDkgL /lhi6f/sf] sfof{no ;Demg' k5{ .
-u_ sDkgL eGgfn] OlGhlgol/ sG;]K6 k|fOe]6 lnld6]8 ;Demg' k5{ .
-3_ kbflwsf/L eGgfn] sDkgLsf] ;+rfns, sfo{sf/L k|d'v, k|aGws, sDkgL ;lrj, lnSjL8]6/ jf
ljefluo lhDd]jf/L lng] s'g} sd{rf/L ;d]t ;Demg' k5{ .
-_ ;ef eGgfn] sDkgLsf] ;fwf/0f ;ef ;Demg' k5{ .
sDkgLsf] p2]Zo M sDkgLsf] p2]Zo k|jGwkqsf] bkmf $ df pNn]v eP jdf]lhd x'g]5 .
kl/R5]b @
z]o/ kF"hL tyf C0f
C0f
z]o/sf] c+lst d'No M o; sDkgLsf] z]o/sf] c+lst d'No ? !)) -Ps ;o_ x'g]5 .
z]o/df lnog /xg] s'/f M
M z]o/wgLx?n] sDkgLnfO{ ltg{ afFsL /x]sf] z]o/ jfktsf] /sd jf
sDkgLnfO{ sfg"g adf]lhd a'emfpg' kg]{ afFsL /sd jfkt lghx?sf gfddf btf{ ePsf] z]o/ / ;f]
afkt afFl8g] nfef+zdf sDkgLsf] lnog jf bfjL /xg]5 .
ljleGg ju{sf z]o/x? hf/L ug]{ eP To:tf z]o/sf] ju{, To;df lglxt z]o/wgLsf] xs clwsf/ tyf
aGb]hx? M ;fwf/0f z]o/x? afx]s cGo ljleGg ju{sf z]o/x? ;DaGwL Joj:yf gul/Psf] .
-!_ ;fwf/0f z]o/ afx]s cGo ju{sf z]o/ hf/L u/Lg]5}g .
-@_ s'g} klg z]o/wgLn] lng sj"n u/]sf] z]o/df dfq xs nfUg]5 cGo z]o/sf] xsdf ;+rfns
;ldltsf] k"j{ :jLs[tL ljgf z]o/df xs nfUg]5}g .
lgod & adf]lhd hf/L ePsf] z]o/ vl/b ug]{ z]o/wgLsf] clwsf/df x]/km]/ ubf{ ;DalGwt ju{sf
z]o/wgLx?sf] :jLs[lt rflxg] jf grflxg]] M xfn o; sDkgLdf ;fwf/0f z]o/ afx]s cGo s'g} klg
k|sf/sf] z]o/ hf/L gu/LPsf]n] ;+rfns ;ldltn] ;fwf/0f ;efaf6 cg'df]bg u/fpg] u/L z]o/wgLsf]
clwsf/df x]/km]/ ug{ ;lsg]5 .
cu|flwsf/ z]o/ ;DjGwL Joj:yf M
M cu|flwsf/ z]o/ ;DjGwL s'g} Joj:yf u/LPsf] 5}g .
;+:yfksn] lng' kg]{ z]o/ M
M sDkgLsf] ;+:yfks x'g !)) -Ps ;o_ yfg z]o/ lnPsf] x'g' kg]{5 .
z]o/ jfktsf] /sdsf] e'QmfgLsf] dfu tyf z]o/ hkmt ;DjGwL Joj:yf MM sDkgLn] cfjZostf
cg';f/ z]o/ jfktsf] /sdsf] e'QmfgL dfu ug]{5 . z]o/ jfktsf] /sdsf] e'QmfgL tyf z]o/ hkmt
;DjGwL cGo s'/f sDkgL P]g adf]lhd x'g]5 .
z]o/ ljqmL jf lwtf] aGws ;DjGwL Joj:yf M
M
-!_ sDkgLsf] s'g} z]o/wgLn] ;+rfns ;ldltsf] k"j{ :jLs[tL glnO{ cfgf] gfddf /x]sf] z]o/
sDkgLsf] z]o/wgL jfx]s cGo JolQmnfO{ ljqmL jf x:tfGt/0f ug{ jf lwtf] aGws /fVg ;Sg] 5}g
!#=
!$=
!%=
!^=
!&=
!*=
-@_ cfgf] gfddf /x]sf] z]o/ ljqmL ug{ jf lwtf] aGws /fVg rfxg] z]o/wgLn] ;+rfns ;ldltdf
lnlvt ?kdf hfgsf/L u/fpg' kg]{5 . To;/L hfgsf/L u/fpbf z]o/ ljqmL ug{ nfu]sf] eP
cfk"mn] ljqmL ug{ rfx]sf] z]o/sf] d'No / lwtf] aGws /fVg rfx]sf] eP lwtf] aGws lng] JolQmsf]
gfd, 7]ufgf, lwtf] jfkt lnPsf C0f, lwtf] k'ms'jf x'g] k|:tfljt ldlt ;d]t v'nfpg' kg]{5 .
-#_ s'g} z]o/wgLn] pklgod -@_ adf]lhd z]o/ ljqmL ug{sf] lgldQ hfgsf/L u/fPdf ;+rfns
;ldltn] ;f] hfgsf/L kfPsf] ;ft lbg leq cGo z]o/wgLnfO{ lnlvt ?kdf hfgsf/L lbg' kg]{5.
-$_ s'g} z]o/wgL o;/L ljqmL x'g nfu]sf] z]o/ v/Lb ug{ rfx]df pklgod -#_ adf]lhd hfgsf/L
kfPsf] k}tL; lbg leq ;f] s'/fsf] hfgsf/L ;+rfns ;ldltnfO{ lbg'kg]{5 .
-%_ z]o/ vl/b ug{ rfxg] pklgod -$_ adf]lhd hfgsf/L lbg] z]o/wgLn] To;/L hfgsf/L lbPsf]
tLg dlxgfleq To:tf] z]o/ vl/b ug'{ kg]{5 . Ps eGbf a9L z]o/wgLn] pklgod -$_ adf]lhd
hfgsf/L lbPsf]df ;a} eGbf klxn] hfgsf/L lbg] z]o/wgLn] z]o/ v/Lb ug{ kfpg]5 .
-^_ pklgod -$_ adf]lhd k}tL; lbg leq s'g} klg z]o/wgLn] z]o/ v/Lb ug{ rfx]sf] hfgsf/L
;+rfns ;ldltnfO{ glbPdf ;+rfns ;ldltn] pklgod -@_ adf]lhd hfgsf/L lbg] z]o/wgLnfO{
;f] sDkgLsf z]o/wgL jfx]s cGo JolQmnfO{ z]o/ ljqmL ug{ :jLs[tL lbg]5 / To:tf] :jLs[tL
Ps jif{;Dd sfod /xg]5 . t/ o; pklgod adf]lhd cGo JolQmnfO{ z]o/ ljqmL ubf{ pklgod
-@_ df pNn]lvt d'No eGbf sd d'Nodf z]o/ ljqmL ug{ kfpg] 5}g .
-&_ s'g} z]o/wgLn] cfgf] z]o/ sDkgLsf z]o/wgL jfx]ssf cGo JolQmnfO{ lwtf] aGws /fVg
pklgod -@_ adf]lhd hfgsf/L u/fPdf ;+rfns ;ldltn] hfgsf/L kfPsf] kGw| lbg leq lwtf]
aGws /fVg :jLs[tL lbg] jf glbg] ;DjGwdf lg0f{o u/L ;f] sf] hfgsf/L z]o/wgLnfO{ lbg' kg]{5.
:jLs[tL glbg] eP ;f] sf] sf/0f ;d]t v'nfpg' kg]{5 .
-*_ z]o/ ljqmL jf lwtf] jGws / bflvn vf/]h ;DjGwL cGo Joj:yf P]g adf]lhd x'g]5 .
z]o/sf] k|df0f kq M
M sDkgLn] hf/L ug]{ z]o/sf] k|df0fkqdf cWoIf tyf ;+rfns dWo] s'g} !
hgfsf] b:tvt x'g]5 .
z]o/ kF"hL x]/km]/ ug]{ s'/f M of] ;fwf/0f ;ef ug]{ sDkgL ePsf]n] ;fwf/0f ;efjf6 k|:tfj kfl/t u/L
;fwf/0f ;efsf] lg0f{oaf6 P]g adf]lhd sDkgLsf] z]o/ kF"hL x]/km]/ ug{ ;lsg]5 .
C0f jf l8a]~r/ ;DjGwL Joj:yf M
-!_ sDkgLn] cfkm\gf] hfoh]yf lwtf] /flv jf g/flv C0f jf l8j]Gr/ p7fpg ;Sg]5 .
-@_ sDkgLn] hf/L u/]sf] l8j]Gr/ z]o/df kl/0ft x'g ;Sg]5 .
-#_ sDkgLsf] l8j]Gr/ cGo rn ;DklQ ;/x lwtf] aGbs /fVg ;lsg]5 .
-$_ C0f jf l8j]~r/ ;DjGwL cGo s'/f P]gdf Joj:yf eP adf]lhd x'g]5 .
z]o/wgL tyf l8a]~r/jfnfsf] btf{ lstfjsf] lg/LIf0f M z]o/wgL jf l8j]~r/jfnfn] sDkgLsf] jf
l8j]~r/ btf{ lstfj lg/LIf0f ug{ rfx]df sDkgLn] lg/LIf0f ug{ lbg' kg]{5 . t/ sDkgLn] cfgf]
;"rgf kf6Ldf @! lbg cufj} ;"rgf 6fF; u/L Ps jif{df k}+tfln; lbgdf ga9fO{ Ps k6sdf a9Ldf
tL; lbg;Dd btf{ lstfjsf] lg/LIf0f aGb ug{ ;Sg]5 .
kl/R5]b #
;fwf/0f ;ef
;fwf/0f ;ef ;DjGwL Joj:yf M
M !_ o; sDkgLn] ;fwf/0f ;ef ug]{5 .
sDkgLsf] ;fwf/0f ;ef ;DjGwL Joj:yf M
M
-!_ o; sDkgLsf] ;fwf/0f ;ef b]xfo adf]lhd x'g]5g M
-s_
jflif{s ;fwf/0f ;ef -v_ ljz]if ;fwf/0f ;ef
-@_ o; sDkgLsf] k|yd jflif{s ;fwf/0f ;ef sDkgL ;+:yfkg ePsf] ldltn] !@ dlxgfleqdf
ul/g]5 / To; kl5sf jflif{s ;fwf/0f ;efx? cfly{s jif{ ;dfKt ePsf] ^ dlxgf leq ul/g]5 .
-#_ o; sDkgLsf] jflif{s ;fwf/0f ;ef ug{sf] nfuL @! lbg cufj} / ljz]if ;fwf/0f ug{sf] nfuL
sDtLdf !% lbg cufj} ;ef x'g] 7fpF, ldlt / 5nkmn ug]{ ljifo vf]nL ;j} z]o/wgLx?nfO{
!(=
;"rgf lbOg]5 . ;a} ;+rfns tyf z]o/wgLx?sf] pkl:ylt / dGh'/L x'G5 eg] ;fwf/0f ;ef
tyf ljz]if ;fwf/0f ;efsf] nfuL dfly pNn]v eP adf]lhdsf] ;"rgfsf] cfjZostf kg]{5}g .
;fwf/0f ;ef tyf ljz]if ;fwf/0f ;ef hlxn] klg a:g ;Sg]5 .
-$_ ;+rfns ;ldltsf] cWoIf jf ;+rfns ;ldltn] tf]s]sf] kbflwsf/Ln] ;fwf/0f ;ef jf]nfpg]5 .
-%_ pklgod -$_ df pNn]lvt kbflwsf/Ln] ;fwf/0f ;ef gjf]nfPdf jf cGo s'g} sf/0fn] ;+rfns
;ldltsf] a}7s a:g g;s]df ;+rfns ;ldltsf] s'n ;+rfnsx? dWo] sDtLdf PsfpGg k|ltzt
;+rfns pkl:yt eO{ ;f]xL sf/0f v'nfO{ ;fwf/0f ;ef af]nfpg] lg0f{o ug{ ;Sg]5g . o;/L
;fwf/0f ;ef af]nfpg ;j} z]o/wgLnfO{ pklgod -#_ adf]lhdsf] ;"rgf lbg' kg]{5 . o;/L a:g]
;+rfns ;ldltsf] a}7s / ;fwf/0f ;efdf cWoIf pkl:yt ePsf]df lghsf] cWoIftfdf /
cWoIf cg'kl:yt ePdf pkl:yt ;+rfnsx?dWo] jf6 5flgPsf] ;+rfnsn] ;+rfns ;ldltsf]
a}7s tyf ;fwf/0f ;efsf] cWoIftf ug]{5 .
-^_ pklgod -#_ jf -%_ adf]lhd jf]nfOPsf] ;fwf/0f ;efdf lgod @$ adf]lhdsf] u0fk'/s ;+Vof
gk'uL ;ef x'g g;s]df sDtLdf & lbgsf] Dofb lbO{ k'g M ;fwf/0f ;ef jf]nfOg]5
-&_ ;fwf/0f ;ef ug'{ kg]{ :yfgsf ;DjGwdf s'g} jGb]h eP ;f] s'/f v'nfpg] M sDkgLsf] /lhi68{
sfof{no jf ;f] sfof{no /x]sf] lhNnfsf] cGo 7fFpdf klg ;fwf/0f ;ef ug{ ;lsg]5, PsfpGg
k|ltzt z]o/jfnfsf] dGh'/L ePdf sDkgLsf] ;fwf/0f ;ef g]kfn clw/fHo aflx/ klg x'g
;Sg]5 .
;fwf/0f ;efsf] sfo{ljlw
jlw M
-!_ ;fwf/0f ;efsf] cWoIftf ;+rfns ;ldltsf] cWoIfn] ug]{5 .
-@_ ;+rfns ;ldltsf] cWoIf cg'kl:yt ePdf pkl:yt ;+rfnsn] cfk"m dWo]jf6 5flgPsf]
;+rfnsn] ;efsf] cWoIftf ug]{5 t/ ;fwf/0f ;efdf s'g} klg ;+rfns pkl:yt gePdf
;efdf pkl:yt z]o/wgLx?n] cfk"m dWo]jf6 5fg]sf] z]o/wgLn] ;fwf/0f ;efsf] cWoIftf ug]{5,
-#_ ;efsf] sfd sf/jfxL k|f/+e x'g' cl3 ;efsf] j}wtf af/] 5nkmn u/L u0fk'/s ;+Vof k'u] jf
gk'u]sf] PsLg ug'{ kg]{5 / u0fk'/s ;+Vof k'u]sf] kfOPdf ;f] ;efsf] cWoIfsf] cg'dltn]
ljlwjt ;+rfng x'g]5 .
-$_ ;efdf 5nkmn ul/g] k|To]s ljifo -Ph]08f_ k|:tfjsf] ?kdf k|:t't x'g]5g / k|To]s k|:tfjdf
5nkmn ul/g]5 . cWoIfn] cg'dlt lbPsf]df jfx]s Pp6f k|:tfjdf lg0f{o geO csf]{ k|:tfjdf
k|j]z u/Lg] 5}g .
-%_ ;efsf] lg0f{o ax'dtsf] cfwf/df x'g]5, t/ ljz]if k|:tfjsf] xsdf ;efdf pkl:yt z]o/wgLx?
dWo] krxQ/ k|ltzt z]o/sf] k|ltlglwTj ug]{ z]o/wgLn] k|:tfjsf] kIfdf dt lbPdf dfq
To:tf] k|:tfj ;efjf6 kfl/t ePsf] dflgg]5 .
-^_ ;efdf dt a/fj/ ePdf cWoIfn] lg0ff{os dt lbg]5 .
-&_ s'n z]o/ kF"hLsf] ;t;L k|ltzt z]o/sf] k|ltlglwTj ug]{ z]o/wgLx?n] :jLs[tL lbPsf]df
afx]s ;efsf] ;"rgfdf pNn]v gu/LPsf] ljifo -Ph]G8f_ pk/ ;efdf 5nkmn / lg0f{o u/Lg]
5}g .
-*_ s'g} ljifodf z]o/wgLx?sf] dt ;+sng ug'{ kg]{ ePdf ;efsf] cWoIfn] tf]s]sf] k|lqmof cg';f/
dt ;+sng u/Lg]5 .
-(_ s'g} vf; ljifodf vf; ju{sf z]o/wgLx?sf] ;efdf s'g} k|:tfj kf; ug{ ;lsg] eP M ;f]
ljifo ;DjGwL xfn Joj:yf ul/Psf] 5}g .
-!)_ ;+rf/ ;Dks{sf] dfWoodjf6 ;fwf/0f ;efdf efu lng kfpg] ljifodf s'g} yk Joj:yf ug]{ eP
M ;f] ljifo ;DjGwL xfn Joj:yf ul/Psf] 5}g .
@)=
@!=
@@=
@#=
@$=
@%
@^
@&
@*=
;fwf/0f ;efjf6
;efjf6 kfl/t ug'{ kg]{ M ljz]if k|:tfj nufotsf k|:tfjx? kfl/t ug{ ;fwf/0f ;ef gjf]nfO{
z]o/wgLx?sf] lnlvt k|:tfjjf6 kfl/t x'g ;Sg] ePdf ;fwf/0f ;ef af]nfO{ ljz]if k|:tfj kfl/t
ul/g]5 .
;fwf/0f ;efdf k]z ug]{ M cGo ljifo P]gdf pNn]v ePsf] afx]s cGo ljifo gx'g] .
ljz]if k|:tfj sDkgLn] ljz]if k|:tfj kfl/t u/L lg0f{o ug'{kg]{ s'g} ljifo ePdf ;f] s'/f M sDkgL
P]g @)^# sf] bkmf *# df pNn]v ePsf ljifodf sDkgLsf] ;fwf/0f jf ljz]if ;fwf/0f ;efdf lg0f{o
lngsf] nfuL ljz]if k|:tfj k]z ug'{ kg]{5 .
ljz]if ;fwf/0f
;fwf/0f ;ef M P]g adf]lhd sDkgLsf] ljz]if ;fwf/0f ;ef jf]nfpg ;lsg]5 .
u0fk'/s ;+Vof M afF8kmfF8 ePsf] s'n z]o/ ;+Vofsf] sDtLdf ^) k|ltzt z]o/sf] k|ltlglwTj x'g] u/L
s'n z]o/jfnfx? dWo] @ hgf z]o/jfnf :jo jf cfgf] k|ltlglw -k|f]S;L_ f/f pkl:yt geO{ ;fwf/0f
;efsf] sfd sf/jfxL x'g] 5}g . t/ lgod !* sf] pklgod -^_ df pNn]v eP adf]lhd k'gM
af]nfOPsf] ;fwf/0f ;efdf s'n z]o/ ;+Vofsf] sDtLdf %! k|ltzt z]o/sf] k|ltlglwTj x'g] u/L @
hgf z]o/jfnf :jo+ jf cfgf] k|ltlglwf/f pkl:yt ePdf ;ef ug{ afwf kg]{ 5}g .
k|f]S;L ;DjGwL Joj:yf M
-!_ k|rlnt sfg"g adf]lhd s/f/ ug{ of]Uo JolQmnfO{ k|ltlglw -k|f]S;L_ lgo'lQm ug{ ;lsg]5
-@_ s'g} z]o/wgLn] k|ltlglw lgo'Qm u/L cfk"m :jo+ pkl:yt ePdf To:tf] k|ltlglw :jtM ab/
ePsf] dflgg]5 .
-#_ k|ltlglw dfkm{t dtbfg ug{ kfpg]5 .
-$_ k|ltlglwn] dtbfg ug{ kfpg] clwstd xb ;+rfns z]o/wgL ;/x x'g]5 .
dtbfg M
-!_ P]g tyf o; lgodfjnLdf cGoyf n]lvPsf]df afx]s k|To]s z]o/wgLnfO{ lghn] lnPsf] k|To]s
z]o/ jfkt ;fwf/0f ;efdf Ps dt lbg] clwsf/ x'g]5 .
-@_ km/s dtflwsf/ ePsf z]o/x? hf/L u/LPsf] 5}g .
-#_ ;fwf/0f ;efdf dtflwsf/ x'g] dfq z]o/ hf/L ul/Psf]5 .
-$_ ;+rfns lgjf{rg ubf{ Ps z]o/sf] Ps dt eGbf j9L x'g]5}g .
-%_ ;+rfns lgjf{rg dtbfgjf6 ax'dtsf] cfwf/df ul/g]5 .
-^_ s'g} ;+rfnsnfO{ sDkgLsf] ;fwf/0f ;efdf efu lngsf] nfuL s'g} z]o/wgLn] cfgf] k|ltlglw k|f]S;L_ lgo'Qm u/]sf] ePdf cfk"mnfO{ lgo'Qm ug]{ ljifo jf cfgf] :jfy{ jf JolQmut kmfObfsf]
s'g} ljifodf To:tf] ;+rfnsn] pQm z]o/wgLsf] k|ltlglwsf] x}l;otn] dtbfg ug{ kfpg]5}g .
;fwf/0f ;efsf] lg0f{o ljj/0fsf] clen]v M
-!_ P]g cg';f/ v'nfpg' kg]{ s'/f v'nfO{ ;fwf/0f ;efsf] sfd sf/jfxL tyf lg0f{osf] ljj/0fsf] 5'}
clen]v u/L /flvg]5 . To:tf] ljj/0fdf ;efsf] cWoIf tyf sDkgL ;lrjn] x:tfIff/ ug'{ kg]{5 .
s'g} Joxf]/fn] ;efdf sDkgL ;lrj cg'kl:yt ePsf] sDkgL ;lrjsf] lgo'lQm gePsf] cj:yfdf
;efsf] cWoIf tyf ;efn] lgo'lQm u/]sf] Pshgf z]o/wgLn] To:tf] ljj/0fdf x:tfIff/ ug'{ kg]{5
-@_ pklgod -!_ cg';f/ /flvPsf] ;fwf/0f ;efsf] sfd sf/jfxLsf] ljj/0fsf] clen]v sDkgLsf]
/lhi68{ sfof{nodf /fVg' kg]{5 . To:tf] ljj/0f s'g} z]o/wgLn] sfof{no ;dodf lgl/If0f ug{
rfx]df sDkgL ;lrj jf sDkgLn] tf]s]sf] cGo sd{rf/Ln] lgl/If0f ug{ lbg'kg]{5 .
kl/R5]b $
;+rfns ;ldlt
;+rfns ;ldltsf] u7g, ;+Vof / sfo{sfn M
M
-!_ o; sDkgLsf] ;+rfns ;ldlt x'g]5 .
-@_ o; sDkgLdf ;+rfns ;ldlt /xg]5 .
-#_ -s_ o; sDkgLdf # hgfsf] ;+rfns ;ldlt x'g]5, k|yd jflif{s ;fwf/0f ;ef geP;Ddsf] nfuL
@(=
#)=
#!=
#@=
##=
#$=
#%=
#^=
#&=
#*=
#(=
$)=
$!=
$@=
$#=
$$=
$%=
$^=
$&=
$*=
$(=
%)=
%!=
%@=
%#=
Ps jf Ps eGbf j9L lnSjL8]6/ tyf n]vfk/LIfssf] lgo'lQm ug]{5 . To;/L lgo'Qm ePsf
lnSjL8]6/ tyf n]vfkl/Ifssf] kfl/>dLs ;fwf/0f ;efn] tf]ls lbP adf]lhd x'g]5
-#_ pklgod -@_ adf]lhd lgo'Qm lnSjL8]6/ tyf n]vfkl/Ifsn] sDkgLsf] vf/]hL ;DjGwL sfd
sf/jfxL ug]{5g .
sfg""gdf s'g} Joj:yf
s'g} vf; Joj;fo ug]{ sDkgLsf] lgodfjnLdf v'nfpg' kg]{ egL k|rlnt sfg
ul/Psf] eP To:tf] s'/f v'nfpg] M
M s'g} vf; Joj;fo ug]{ sDkgLsf] lgodfjnLdf v'nfpg' kg]{ egL
k|rnLt sfg"gdf s'g} Joj:yf ul/Psf] cj:yfdf eP To:tf] s'/f pNn]v ug{ ;lsg]5 .
cGo cfjZos s'/fx? M
-!_ sDkgLsf] cfly{s jif{ >fj0f ! ut] b]vL cfiff9 d;fGt ;Dd x'g]5 .
-@_ o; sDkgLsf] sf/f]jf/ ;DjGwdf z]o/jfnfsf] bfloTj lghn] v/Lb u/]sf] jf v/Lb ug{ sj'n
u/]sf] z]o/sf] clwstd /sd ;Dd dfq l;ldt /xg]5 .
lgodfjnLdf ;+;f]wg ePdf nfu' x'g] cj:yf M o; lgodfjnLdf s'g} ;+;f]wg ug'{ kg]{ ePdf ;fwf/0f
;ef jf ljz]if ;fwf/0f ;efn] ljz]if jf ;fdfGo k|:tfa kfl/t u/L To:tf] lg0f{o sfof{nodf clen]v
ePkl5 dfq lgodfjnL ;+;f]wg ePsf] dflgg]5 .
lgodfjnL aflemPsf] xb;Dd cdfGo x'g] M o; lgodfjnLdf n]lvPsf] s'/f P]g, cGo k|rlnt sfg"g
jf k|aGw kq;+u aflemPdf aflemPsf] xb;Dd To:tf] s'/f :jtM jb/ x'g]5 .
;+:yfksx?n] tTsfn lng sj"n u/]sf] z]o/ ;+Vof / pb3f]if0f M xfdL OlGhlgol/ sG;]K6 k|fOe]6
lnld6]8 sf ;+:yfksx?n] of] sDkgL ;+:yfkgf u/L k|rlnt sfg"g adf]lhd ;+rfng ug{ d~h'/
u/]sf 5f}+ . of] lgodfjnLdf pNn]lvt xfd|f] gfd, 7]ufgf, x:tfIf/, xfdLn] lng sa'n u/]sf] z]o/ /
;fIfL ;DjGwL Joxf]/f 7Ls ;fFrf] xf] . s'g} sf/0fn] e'mf 7xl/g uPdf sDkgL btf{ kZrft l;h{gf x'g]
bfloTj Joxf]g{ xfdL tof/ 5f}+ . of] lgodfjnLdf n]lvPsf s'/f ;fFrf] xf], e'mf 7x/] sfg"g adf]lhd
;xg a'emfpg d~h'/ 5f}+ egL ;xL5fk u/]sf 5f}+ .
;+:yfkssf] gfd, 7]ufgf / ;xL5fk
afa'kltsf] gfd
gf=k|=g+=/ gful/stf k|fKt lng sa"n u/]sf] ;fIfLsf] gfd, y/, 7]ufgf / ;xL5fk ;fIfLsf] gful/stfsf]
u/]sf] lhNnfljb]zL eP
z]o/ ;+Vof
k|df0fkq g+= / lhNnf
/fxbfgL g+=
b=
b=
/Tg rGb
ah|frfo{
gf=k|=g+= M &@%$
lhNnf M eQmk'/
!)))
yfg
gf=k|=g+=
lhNnf M
b=
b=
sfzL gf/fo0f
k|hfktL
gf=k|=g+= M
%%^(^
lhNnf M eQmk'/
!)))
yfg
gfdM
7]ufgfM
gf=k|=g+=
lhNnf M
jf=
b=
b=
Gx'5] eQm
#= gfdM >L /fh]z ufO+h'
:yfoL 7]ufgfM eQmk'/ lhNnf, ufO{h'
eQmk'/ g=kf= j8f g+=#
bf=
gfdM
7]ufgfM
gf=k|=g+= M
$%*@(
lhNnf M eQmk'/
!)))
yfg
gfdM
7]ufgfM
jf=
Olt ;Dat\ @)^& ;fn d+l;/ dlxgf @& ut] /f]h @ z'ed\ ======== .
gf=k|=g+=
lhNnf M
ldlt M @)^^&*
@)^^&*@
&*@&
@&
>Ldfg\ /lhi6f/ Ho"
sDkgL /lhi6f/sf] sfof{no
lqk'/]Zj/, sf7df08f} .
ljifo M sDkgL ;+:yfkgf u/L kfFpm .
dxf]bo,
xfdLnfO{ OlGhlgol/ sG;]K6 k|f=ln=
=ln= gfdsf] sDkgL ;+:yfkgf ug]{ OR5f ePsf] x'bf sDkgL P]g @)^#
sf] bkmf $ sf] pkbkmf -!_ adf]lhd sDkgL ;+:yfkgf ug{ tk;Ln adf]lhdsf sfuhftx? ;+nUg /fvL of] lgj]bg
k]z u/]sf 5f}+ . pQm sDkgL xfd|f] gfddf btf{ u/L kfpFm . ;fy} xfdL lgj]bsx? sfnf] ;'rLdf gk/]sf] Aoxf]/f ;d]t
o;} lgj]bg dfkm{t cjut u/fpFb5f}+ . olb kl5 slx+ st}af6 ;f] hfgsf/L x'g cfPdf xfdL g]kfn sfg'g adf]lhdsf]
;hfo ef]Ug tof/ 5f}+ .
tk;Ln
!= k|aGqkq tyf lgodfjnL @@ k|lt
@= ;+:yfksx?sf] gfu/Lstf k|df0fkqx?sf k|ltlnlkx? yfg !!
#= clVtof/gfdf yfg !
$= pko'{Qm Joxf]/f 7Ls ;fFrf] xf] e'mf 7x/] sfg"g adf]lhd ;xF'nf a'emfpFnf .
lgj]bsx?
b=
b=
bf=
jf=
b=
@= gfdM >L /3'gfy k|hfktL
:yfoL 7]ufgf M eQmk'/ lhNnf, eQmk'/ g=kf=j8f g+=!
bf=
jf=
ldlt
ldlt M @)^&*@
@)^&*@&
&*@&
>Ldfg\ /lhi6f/ Ho"
sDkgL /lhi6f/sf] sfof{no
lqk'/]Zj/, sf7df08f} .
ljifo M
M clVtof/gfdf lbOPsf] ;DaGwdf .
dxf]bo,
lgj]bg of] ub{5f}+ ls xfd|f] o; OlGhlgol/ sG;]K6 k|f=ln= sDkgLsf] btf{ sfdsf nflu xfdL :jo+
sfof{nodf pkl:yt x'g' kg]{df xfd|f] sfo{ Jo:ttfsf sf/0fn] ubf{ pkl:yt x'g g;s]sf] x'Fbf sfg'gn] clVtof/ lbg
ldNg] b]xfo adf]lhd b:tvt gd'gf ePsf sf=lh=sf=d=g=kf= j8f g+ !) a:g] jif{ @# sf] >L ;f]dgfy 9'fgfnfO{
fgf
lghsf] kl/ro kq ;+nUg /flv clVtof/gfdf lbO{ k7fPsf 5f}+ . To; sfof{noaf6 o; sDkgLsf] gfddf x'g] pk/f]Qm
pNn]lvt sfdsf nflu sfuhftx? a'em\g a'emfpg sDkgLsf] k"0f{ d~h'/L 5 . lghn] u/]sf] sfddf kl5 s'g}
lsl;dsf] bfjL ph'/ afh'/ ug]{ 5}g .
clVtof/jfnfsf] b:tvtsf] gd'gf M
lgj]
]bsx?
lgjbsx?
b=
b=
bf=
jf=
b=
@= gfdM >L /3'gfy k|hfktL
:yfoL 7]ufgf M eQmk'/ lhNnf, eQmk'/ g=kf= j8f g+=!
bf=
jf=
jf=