nvRx`i Rb iZc~Y wb`kbvt

mvaviY cwZt
1. nR KiZ hvIqvi Dk ei nevi c~eB nvRx`i Bnivg eua bIqv DwPZ ne| Kvib Zviv Bnivg evuaZ Af bq Ges
nRi mgq Bnivg evuav Zvu`i gbtmshvM wQb KiZ cvi| Bnivg evuavi GK UvIqji gZ Ki `ni Pvicvk cuwPq
wbb, e ev wcb evenvii cwieZ Bnivg-Gi Kvbv GKvwaK evi cuwPq wbb, Zvnj GwU `p _vKe|
2. Bnivg AekB Kvb myMw eenvi Kiv hve bv| Bnivg AekB Kwg myM-nxb wWUviRU w`q ayq wbZ ne Ges myMhy Ab
Kvco _K Avjv`v ivLZ ne|
3. Bnivg cwiavbi c~e mybvn Mvmj Ki wbZ ne Ges `yB ivKvZ bvgvR coZ ne|
4. Nvgi Rb Kvbic wWIWvivU eenvi Kiv hve bv| G wdUwKwi eenvi Kiv hZ cvi| AviweZ GK kvevn& ej,
Ges GwU mw` Avie I Mvj&d-Gi hKvb gmjvi `vKvb cvIqv hve|
5. gwnjv`i Rb Bnivg evav Aevq Pzj ev bL KvUv hve bv| KvRB gwnjv`i n cvjbi c~eB Ggb fve Pzj evuavi Afvm
KiZ ne hb KqKw`b Pzj AvuPovbvi cqvRb bv nq|
6. mw` Avie cQvbvi mgq hLb cbi cvBjU ejeb h gxKvZ-Gi KvQvKvwQ Pj GmwQ, ZLb AvcbvK AekB ni
wbqZ Ki wbZ ne|

7. Rvn GqvicvU cQvbvi ci AvcbvK bvgvRi mgqi evcvi Lqvj ivLZ ne, Kvib GqvicvU AvRvb `Iqv nq bv|
iZc~Y cwZt
1. Avcbvi cwiaq RyZv Avcbvi mv_ ivLyb| ivK RyZv ivLj mwU nvwiq hZ cvi, A_ev AbKjv GKB iKg RyZv nj
Avcbvi RyZv wPb wbZ K nZ cvi|
2. KLbvB iM hveb bv| wekvj fxo AvcbvK fxZ Ki ZzjZ cvi, KvRB kv _vKzb|
3. Ah_v eve-G-mvjvg (h `iRv w`q ivmyjyjvn mt Kvev kixd cek KiZb) Gi LvuR Kieb bv, AwaK fxoi mgq GwU e Ki
`Iqv nq| Gi KvQB GKwU weK wmuwo iqQ hwU w`q mvdv I gviIqv Z hvIqv hvq|
4. gwnjv`i mv_ gvnivg wbq hvIqv DwPZ, wKQz wKQz Zv`i gvnivg cqvRb nZ cvi, hgb gyR`vwjdvi ivZ Ges
RvgvivZi mgq|
5. evm Kvb AevZB Avcbvi Kvb wRwbm iL hveb bv, mwU wPiZi nvwiq hZ cvi|
6. AvivdvZi w`b kl ivZUv gyR`vwjdvq KvUvZ nq| GUv AvivdvZ nZ cvq Qq gBj `~i| mybvZ nQ gvMwiei ciciB
AvivdvZ ZvM Kiv Ges nuU gyR`vwjdvq cQvbv| Avcbvi kvixwiK Amyweav _vKj evm hZ cvib, wK GZ cPzi mgq
jvMe|
7. gyR`vwjdvq AevbKvj RvgvivZi Rb wKQz AwZwi cv_i msMn Ki ivLyb| cv_i Qvuovi mgq wKQz cv_i jf` bv I KiZ
cvi, ZLb AwZwi cv_i KvR Avme, Gjv Lvwj evZj enb KiZ cvib|

RvgvivZi mgqt
gyR`vwjdvq ivwhvcbi ci nhvxiv RvgvivZi Dk iIqvbv `q| GLvb c_g w`b Zgb fxo nq bv, Kvib Zviv wewfb mgq
gyR`vwjdv nZ iIqvbv `q| wK cieZx `yB w`b KLbvB c_g w`bi gZ nq bv|
1. c_g w`b cv_i gvivi Rb wbavwiZ mgq njv dhii AvRvbi ci _K| wK cieZx `yB w`b cv_i Qvuovi mgq njv hvnii
AvRvbi ci _K; KvRB G `yB w`b hvnii AvRvbi AvM cv_i Qvov nj mwU KvbfveB MnbhvM ne bv, Avcbvi Uvfj
GRU hvB ejyK bv Kb|
2. Avcbvi Uvfj GRU Avcbvi nvZ _K `Z wbvi cvIqvi Rb AvcbvK ejZ cvi h, Kvb AvZ BmjvwgK jvi hvnii
AvRvbi c~e cv_i QvovK mwZ w`qQb| wK mwU mc~Y fzj| RvgvivZi cieZx `yB w`b cv_i Qvovi GKgv mgq nj
hvnii cieZx mgq| KvRB Zvovov Kieb bv, bdj bvgvR Ges KziAvb kixd co mgqK KvR jvMvb|
3. hnZz nhvwiv Rvb h RvgvivZi wZxq Ges ZZxq w`b hvnii AvRvbi ciciB cv_i gviZ ne, KvRB Zviv G AvRvbi
Acv KiZ _vK| Ges AvRvb nevi mv_ mv_B GKwU wekvj `j cv_i gvivi Rb AMmi nq, GB mgqB AwaKvsk n-hvw
wc nq gZyeiY Ki, KvRB mZK _vKzb Ges fxo nvjKv nj cv_i gviZ GwMq hvb, Ze GK`g Rbb nevi Rb Acv
Kieb bv, Kvib G RvqMvwU KLbB mcyY RbY nq bv|
4. GKRb n hvw RvgvivZi c_g w`bB Bnivg f djZ cvib| cieZx `yB w`b Bnivge _vKvi Kvb evaevaKZv bB|
m Avivg`vqK wKQz cwiavb Kib| RyZv civi big RyZv cib, Kvib k RyZv Ab nhvwK ev_v w`Z cvi, Avevi
Lvwjcvq _vKj Avcwb cvq AvNvZ cZ cvib mLvbKvi cv_yi ivvi Rb|
5. gwnjv`i wbR`iB cv_i gviv DwPZ, wK KD hw` fxo `L fq cvq, Zvnj gvnivg Zvi nq cv_i gviZ cvib|
6. RvgvivZ ceki , AbKB Icii cekvi w`q cek Kie, mwU GKwU mi cekvi| fxo Govbvi Rb wbPi
cekviwU evenvi KiZ cvib, hwU `LZ AbKUv MviRi gZ|
mv_ hv hv bebt
1. mv_ fvmwjb ev Ab myMwnxb AqUgU wbZ cvib| AvivdvZ _K gyR`vwjdvq nuU hvIqvi mgq Avcbvi cvq ivk nZ
cvi, m fvmwjb gL wbj PzjKvwb Kg hve|
2. n i Kivi c~e wdUwKwi (Avjvg/ kvevn) mv_ wbq wbb, hw` Avcbvi Nvgi Amyweav _vK|
3. RvgvivZi kl `yB w`b cvq cwiavb Kivi Rb Uwbm wbZ cvib|
4. mv_ me KvMRc, wUKU Ges cvmcvUi dUvKwc ivLyb|
5. wewbgq gy`v (Exchange currency) mv_ bevi cqvRb bB, hnZz GwU mw` Aviei gvKU mnRB cvIqv hvq|