Malayalam Is Work

RNWc]ãV WL¡cV yTWq|°Rt nq]ÖÐ v|vòWtOU j]mÌjWtOU
CT v|vòWtOU j]mÌjWtOU RIy]RIy]RI mLËV s]o]ãc]R£ RNWc]ãV WL¡cV yTWq|°tORa

\Ÿ°¥¨V mLiWoLWOWpOU AvRp j]pNÍ]ÖWpOU R\áOÐO.
I. j]¡vÿ\j°tOU v|LX|Lj°tOU
""Al]s]SpãV'' IÐf]R£ A¡ÀvOU Af]¤ D¥RÕaOÐfOU:
&RIy]RIy]RI mLË]R£ JfV SzL¥c]UYV WÒj]pOU ARsæË]¤ Af]R£ ymVy]c]pr] WÒj]pOU,
ARsæË]¤
&RIy]RIy]RI mLË]R£ j]pNÍe¾]¢ W}u]SsL ARsæË]¤ RkLfOvLp j]pNÍe¾]¢ W}u]SsL Dç
v|©], ARsæË]¤
& RIy]RIy]RI mLË]jV Sjq]SŸL ARsæË]¤ YOeWqoLp fL¤Õq|SoL ARsæË]¤ j]pNÍeSoL DçfOU,
26%SoL Af]si]WSoL SvLŸvWLw RyW|Pq]ã]W¥ DçfOoLp JfV v|©]pOU.
Al]s]SpãV IÐf]R£ j]¡vÿ\j¾]jOç DSÇw|¾]jLp], ""j]pNÍeU'' IÐ khU JRfË]sOU
v|©]pOoLp] mÌRÕaO¾] DkSpLY]\ÿL¤ Af]R£ A¡ÀU A¾qU v|©]pORa nqeR¾pOU
jp°RtpOU Sjq]SŸL Sjq]ŸsæLRfSpL, SvLŸvWLwoOç RyW|Pr]ã]WtORa Daoòfp]sPRaSpL, DaÒa]
NkWLqSoL, oSãRfË]sOU fq¾]SsL, j]pNÍ]ÖÐf]jOç Ai]WLqU IÐOU, ""v|©]'' IÐf]R£
A¡ÀU JRfË]sOU v|©], WÒj], òLkjU, SWL¡ÕSrx¢, kL¡ŸVj¡x]ÕV, NaðV ARsæË]¤ oSãRfË]sOU
òLkjU, yUZaj ARsæË]¤ oãO y~LnLv]WoLp v|©] ARsæË]¤ j]pokqoLp v|©] IÐOoLeV.
""ASkƒW¢'' IÐf]R£ A¡ÀU RIy]RIy]RI mLË]¤ KqO WL¡c]jV ASkƒ]\ÿ v|©](W¥)
IÐLeV. KqO SWL¡ÕSrãV RNWc]ãV WL¡c]R£ WLq|¾]sLReË]¤ Cf]R£ A¡ÀU WÒj] yo¡Õ]\ÿ
ASkƒLSlLr¾]¤ SkqV S\¡¾]ŸOç v|©](W¥) IÐLeV.
""AUY}WQf v|LkLq]'' IÐf]R£ A¡ÀU, SlLr]¢ IWõSV \µV oLSj^VRo£V BW›V 1999¤, yopL
yop°t]¤ Af]¤ vqO¾]p]ŸOç SnhYf]W¥ NkWLqU, j]¡vÿ\]\ÿ]ŸOç AUY}WQf v|LkLq] BeV.
""m]y]jôV h]vyU'' IÐL¤ A¡ÀU ASkƒLSlLr¾]¤ NkSf|WU v|©oL¨]p]ŸOç
RIy]RIy]RI mLË]R£ mÌRÕŸ KLl}yV, ARsæË]¤ WL¡cV sn|oL¨]p KLl}yV, ARsæË]¤ WL¡cV
AUYR¾ RIy]RIy]RI mLËV Ar]p]\ÿ]ŸOçfLp KLl}yV yLiLqe m]y]jôV CakLaOW¥¨Lp]
fOrÐO Nkv¡¾]ÖÐ h]vyU IÐLeV.
""WL¡cV'' ARsæË]¤ ""RNWc]ãV WL¡cV'' ARsæË]¤ ""CIURI WL¡cV'' ARsæË]¤ ""SWL¡ÕSrãV
RNWc]ãV WL¡cV'' ARsæË]¤ ""KL¦RRs¢ RNWc]ãV WL¡cV'' ARsæË]¤ ""m]y]jôV WL¡cV''
ARsæË]¤ ""v]y IUR\¨V RNWc]ãV WL¡cV'' IÐL¤ A¡ÀU RIy]RIy]RI mLËV v]y/ARoWõ/V
oLð¡ WL¡cV RNWc]ãV WL¡cV ARsæË]¤ ASkƒR£ ASkƒ NkWLqU RIy]RIy]RI mLËV
j¤W]p]ŸOçfLp oSãRfË]sOU RNWc]ãV WL¡cV WL¡cV IÐLeV.
""Ik]RII¢'' IÐf]R£ A¡ÀU WL¡cOoLp] mÌRÕŸV RIy]RIy]RI mLËV WL¡cV AUY¾]jV
AjOvh]\ÿ]ŸOçSfL, yopL yop°t]¤ WL¡cV AUYU/RIy]RIy]RI mLËV RfqRáOÖÐSfL
Bp SkuVyej¤ RIc£]l]S¨x¢ jÒ¡ IÐLeV.
""WL¡cV A¨TºV'' IÐf]R£ A¡ÀU Cv]Ra RWLaO¾]ŸOç v|vòW¥ÖU j]mÌjW¥ÖU
AjOyQfoLp] RNWc]ãV WL¡cV DkSpLY¾]jO Svº] WL¡cV AUY¾]R£ Skq]¤ fOrÐ]ŸOçfOU
RIy]RIy]RI mLËV j]sj]¡¾] vqOÐfOoLp A¨TºV IÐLeV.
""W|LxV s]o]ãV'' IÐf]R£ A¡ÀU WL¡cV AUY¾]jV fR£ WL¡cV A¨Tº]¤ j]ÐOU
k]¢vs]¨LvOÐ, RIy]RIy]RI mLËV j]¡vÿ\]Ÿ]ŸOçSfL j]ép]ŸOçSfL Bp kqoLvi] keU
ARsæË]¤ ke¾]jO fOs|oLp vñO IÐLeV. W|LxV s]o]ãV WL¡cV AUY¾]R£ RNWc]ãV s]o]ãV/k¡S\ÿyV
s]o]ã]¤ D¥RÕaOÐ KqO DkYeU BeV. (v]y IUR\¨V WL¡c]jV mLiWosæ).
""\L¡²V'' AgvL ""\L¡²OW¥'' IÐf]R£ A¡ÀU Cv]Ra \ŸU VI¤ v]vq]\ÿ]ŸOçSfL, ARsæË]¤
CT v|vòWt]sOU j]mÌjWt]sOU oRãv]RaRpË]sOU kqLo¡w]\ÿ]ŸOçSfL Bp \L¡²OW¥ IÐLeV.
Cv]Ra kqLo¡w]\ÿ]ŸOç \L¡²OWtORa oOuOv¢ v]whLUw°tOU, yopL yop°t]¤ SnhYf] R\áRÕŸ
1
j]sp]¤, aLq]lV AjOmÌ¾]¤ RWLaO¾]ŸOç q}f]p]¤ Bp]q]ÖU, WL¡cV AUY¾]jV NkSf|WU
Ar]p]ÕV j¤W]p]Ÿ]RsæË]¤.
""WÒj]'' IÐf]R£ A¡ÀU WÒj}yV BW›,V 1956¤, Af]R£ yopL yop°t]Rs SnhYf]W¥
AjOyq]\ÿV j]¡vÿ\]¨RÕŸ]ŸOç KqO WÒj]pOU SWL¡ÕSrãV RNWc]ãV WL¡c]jO Svº]pOç KqO
ASkƒWjOU IÐLeV.
""RNWc]ãV s]o]ãV/k¡S\ÿyV s]o]ãV'' IÐf]R£ A¡ÀU WL¡cV AUY¾]jV fR£ RNWc]ãV WL¡c]SÓ¤
R\svu]¨L¢ Ai]WLqU j¤WRÕŸ]ŸOç kq]i] IÐLeV.
""Dp¡Ð AkWa yLÈ|fpOç qL^|°¥ (I\ÿVB¡y])'' IÐf]R£ A¡ÀU WL¡c]¤ JRfË]sOU
CaLkaOW¥ ja¾]ü]pOSÒL¥ WL¡c]Rj yUmÌ]ÖÐ v]vq°¥ hOqOkSpLYU R\áRÕaOÐf]jOç
yLÈ|f vtRq WPaOfsOç qL^|°tOU, WL¡cV AUY¾]R£ A°RjpOç qL^|°t]Rs WL¡cV
DkSpLY¾]R£pOU yopL yop°t]¤ WL¡cV AUYU r]SÕL¡ŸV R\pÅ]ŸOç v]v]i v]vLh°tORapOU
KÕU/ARsæË]¤ vµjLkqoLp DkSpLY°tORapOU Aa]òLj¾]¤ Dp¡Ð AkWa yLÈ|fpOç
qL^|°¥ IÐV RIy]RIy]RI mLËV fqUf]q]\ÿ]ŸOçfOop qL^|°¥ IÐLeV.
""RIy]RIy]RI s]o]ãV'' IÐf]R£ A¡ÀU RNWc]ãV WL¡c]R£ Daoò¡ Bp RIy]RIy]RI
mLËV s]o]ãcV, Af]R£ k]¢YLo]W¥, AjOvh]¨RÕŸ Nkf]kOqOxÓL¡ IÐLeV.
""RIy]RIy]RI 24 oe]¨P¡ Wðo¡ RWp¡ Ry£¡'' IÐfORWLºV DSÇw]ÖÐfV WL¡cV
AUY°¥¨V RIy]RIy]RI mLËV sn|oLÖÐ SlL¦ mLË]UYV SyvjR¾pLeV.
""C¢l]j]ã]'' IÐfV URL www.icicibankcom ¤ RIy]RIy]RI mLË]R£ Daoòfp]¤ òLk]\ÿfOU
j]sj]¡¾] vqOÐfOoLp RIy]RIy]RI mLË]R£ C£¡RjãV mLË]UYV y¡vÿ}yV/RvmVRRyãV BeV.
(v]y IUR\¨V WL¡c]jV mLiWosæ).
""C¢xOr¢yV WÒj]'' IÐf]R£ A¡ÀU RIy]RIy]RI RsLUmL¡cV ^jr¤ C¢xOr¢yV WÒj]
s]o]ãcV ARsæË]¤ yopL yop°t]¤ RIy]RIy]RI mLËV f}qOoLj]ÖÐfLp oãV JRfË]sOU
C¢xOr¢yV WÒj] IÐLeV.
""AUYU'' ARsæË]¤ ""WL¡cV Dao'' ARsæË]¤ ""WL¡cV AUYU'' IÐf]R£ A¡ÀU fR£ SkqV
vz]ÖÐfLp KqO WL¡cV j¤WRÕŸ ASkƒWjOU A¾qU KqO WL¡cV RRWvwU Dç v|©]pOU
IÐLeV.
""o¡\ÿ£V IðLmæ]xVRo£V'' IÐf]R£ A¡ÀU JRfË]sOU òs°t]¤ CT WL¡cV Bhq]¨RÕaOÐ
òLkjU IÐLeV. Af]¤ oãOçvRàLÕU SðLrOW¥, SxLÕOW¥, RrSðLr£OW¥, SzLŸsOW¥,
Ip¡RRsjOW¥, Ia]IÚOW¥ D¥RÕRapOç W|LxV Ac~L¢yV SkLp£OW¥, Rop]¤ KL¡c¡ kqy|¨L¡
(\]sær v]¤Õj¨L¡, v]fqe¨L¡ ARsæË]¤ D¤ÕLhW¡) oOfsLpv¡ D¥RÕaOÐO.
""o¡\ÿ£V'' IÐL¤ A¡ÀU W\ÿva òLkj°¥ y~ÍoLpOçvSqL, nq]ÖÐvSqL, ja¾OÐvSqL
Bp v|©]W¥, AvqORa k]¢YLo]W¥ ARsæË]¤ AjOvh]¨RÕŸ Nkf]kOqOxÓL¡ IÐLeV.
""AaSàº o]j]oU fOW'' AgvL ""IUIc]'' IÐf]R£ A¡ÀU SðãVRo£]¤ A¾q¾]¤
SqXRÕaO¾]p]ŸOç fOW IÐLeV.
""RoL¾U AaSàº fOW'' ARsæË]¤ ""a]Ic]'' IÐf]R£ A¡ÀU SðãVRo£]¤ A¾q¾]¤
SqXRÕaO¾]p]ŸOç fOW IÐLeV.
""keU AaSàº f}pf]'' IÐf]R£ A¡ÀU WL¡cV AUY¾]R£ WL¡c]R£ DkSpLYU
yUmÌ]\ÿOºLWOÐ \L¡²OW¥ SðãVRo£]¤ Ar]p]\ÿ]ŸOç NkWLqU KLSqL oLyvOU keU
AaSàºfLp f}pf] IÐLeV.
""RRNkor] WL¡cV AUYU'' IÐL¤ BqORa Skq]sLSeL WL¡cV A¨TºV fOrÐ]ŸOçfOU WL¡cV
j¤W]p]ŸOçfOU, B v|©] BeV.
""B¡m]RI'' IÐL¤ A¡ÀU r]y¡vÿV mLËV KLlV CÍ| IÐLeV.
""SðãVRo£V'' IÐf]R£ A¡ÀU WL¡cOoLp] mÌRÕŸV NkLgo]W WL¡cV AUY¾]R£pOU ykæ]Ro£r]
WL¡cV AUY¾]R£pOU RIy]RIy]RI mLË]SjLaOç B f}pf]p]Rs yLÒ¾]W mLi|fW¥
2
v]vq]\ÿORWLºV RIy]RIy]RI mLËV RRNkor] WL¡cV AUY¾]jV Ap\ÿORWLaOÖÐ Nkf]oLy
A¨TºV SðãVRo£V/SðãVRo£OW¥ IÐLeV.
""ykæ]Ro£r] WL¡cV AUYU'' IÐL¤ A¡ÀU, RRNkor] WL¡cV AUY¾]R£ WOaOUmLUYvOU B
mÌ¾]R£ WLqe¾L¤ KqO WL¡cV AUYoLp]¾}qOWpOU R\áOÐ B¥ IÐLeV. (v]y IUR\¨]¤
ykæ]Ro£r] WL¡cV sn|osæ).
""aLq]lV AjOmÌU'' IÐf]R£ A¡ÀU WL¡c]¤ sn|oLp Syvj°¥¨V mLiWoLp \L¡²OWtORa
v]whLUw°¥ j¤WOÐ AjOmÌU IÐLeV. CT \L¡²OW¥ RIy]RIy]RI mLË]R£ kP¡¹oLp
v]Sv\jLi]WLq NkWLqoOç oLã°¥¨V v]SipoLeV. IË]sOU, A¾qU \L¡²OW¥ 1 oLyR¾ oO¢WP¡
SjLŸ}yV WL¡cV AUY¾]jV j¤W] oLNfSo ls¾]¤ NkLms|¾]¤ vqO¾OWpOçO.
""NaL¢yLWVx¢ j]¡SÇwU'' IÐf]R£ A¡ÀU KqO WL¡cV AUYU Sjq]SŸL AsæLRfSpL
RIy]RIy]RI mLË]SjL KÕU/ARsæË]¤ RIy]RIy]RI mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡
Ry£r]sPRaSpL KÕU/ARsæË]¤ C¢l]j]ã]p]sPRaSpL KqO CakLaV ls¾]¤ vqO¾L¢ j¤WOÐ j]¡ÇwU
IÐLeV. NaL¢yLWVx¢ j]¡SÇw¾]¤ KqO \L¡²V yæ]ÕV, W|LxV Ac~L¢yV yæ]ÕV ARsæË]¤ Rop]¤ KL¡c¡
WPÕ¦ IÐ]v D¥RÕaOÐO, IÐL¤ Av oLNfoLp] kq]o]fRÕaOÐ]sæ.
CT ""v|vòWtOU j]mÌjWtOU'' IÐf]R£ A¡ÀU Cf]¤ v]vq]\ÿ]ŸOç v|vòWtOU
j]mÌjWtOU KÕU/ARsæË]¤ RIy]RIy]RI mLËV yopL yop°t]¤ SnhYf] R\áRÕŸ j]sàV
v|vò R\áOÐvpOU IÐLeV. CT v|vòWt]sOU j]mÌjWt]sOU Nkf]WPs DSÇw|°¥
Nkf|ƒoLWOÐ]RsæË]¤:
(I) KqO ""SnhYf]'' IÐfORWLºV DSÇw]ÖÐfV KqO ykæ]Ro£V, oLãU vqO¾¤, kOfO¨¤, oLã]
òLk]¨¤ ARsæË]¤ kOj@òLkjU IÐOU, ""SnhYf] R\áRÕŸO'' IÐfV Af]jjOyqeoLp]
v|LX|Lj]S¨ºfOoLeV; KqO ""Ai]WLqRÕaO¾¤'' AgvL ""AUY}WLqU'' IÐf]¤
Ai]WLqRÕaO¾¤, yÚfU, Wæ]pr¢yV, AUY}WLqU, AjOvLhU, NkSopU, RRsy¢yV, Ku]vL¨¤, lp¤
R\á¤, r^]ð¡ R\á¤ IÐ]v D¥RÕaOÐO; ""j]poU'' IÐf]¤ nqeZaj, \ŸU, j]poU, j]pNÍeU,
KL¡c]j¢yV, v]i]j|LpU, D¾qvV, B³, Ai]WLqRÕaO¾¤, Nky]È}Wq]\ÿfLp j]¡ÇwU,
oL¡«j]¡ÇwU, j]mÌj, j]po¾]R£ msS¾LRapOç y¡¨L¡ j]pNÍeU, j}f]j|Lp
Ai]WLq¾LsOç JRfË]sOU j]épU ARsæË]¤ Wu]ÓSkLpf]R£ JRfË]sOU v|LX|LjU, ASkƒ
KÕORvÖÐ/yo¡Õ]ÖÐ f}pf]p]¤ NkLms|¾]¤ DºLp]qOÐSfL ARsæË]¤ Af]jOSwxU KLSqLÐOU
yopL yop°t]¤ SnhYf] R\áRÕŸ j]sSàL Dçv D¥RÕaOÐO;
(m]) JWv\j¾]¤, mzOv\j°¥ WPa] D¥RÕaOÐO (AfOSkLRs or]\ÿOU);
(y]) CT v|vòWt]RspOU j]mÌjWt]RspOU fsR¨ŸOW¥ Nkf]kLh| yTWq|¾]jO Svº] oLNfU
S\¡¾]ŸOçfOU, v|vòWtOU j]mÌjWtOU v|LX|Lj]ÖSÒL¥ Av AvYe]S¨ºfOoLeV;
(c]) ""D¥RÕaOÐ'' ARsæË]¤ ""D¥RÕRa'' IÐ} vLÖW¥ kqLo¡w¾]¤ kq]o]f]p]sæLRf
v|LX|Lj]S¨ºfLeV;
(C) KqO s]UYyUmÌoLp kqLo¡w¾]¤ yVNf} s]UYvOU, kOqOx s]UYvOU, jkOUyW s]UYvOU
D¥RÕaOÐO;
(IlV) RIy]RIy]RI mLË]¤ j]ÐOU Bvw|oLp]ŸOç IsæL AUY}WLq°¥, AjOof]W¥,
yÚf°¥ ARsæË]¤ y~}Wq]¨sOW¥ SvºfLp JfO WLq|°t]sOU, oO¢WPŸ]pOçfOU
SqXLoPsoOçfOoLp AUY}WLqU, AjOvLhU, yÚfU, y~}Wq]¨¤ IÐ]v RIy]RIy]RI mLË]¤
j]ÐOU Bvw|oLeV.
(^]) v]y/oLð¡ WL¡cV j]pNÍe°RtÖr]\ÿOç kqLo¡w°¥ AvpORa wQUYsp]Rs AUY°tLp
mLËOW¥¨V v]y/oLð¡ WL¡cV j¤W]p]ŸOç oL¡« j]¡Çw°¥¨V AjOyqeoLp]ŸOçv Bp]q]ÖU.
(I\ÿ)V RIy]RIy]RI mLËOU WL¡cV AUYvOU fÚ]¤ JRfË]sOU kq]kLa], yUnvU yLz\q|U,
oLãU, vyVfOf, v]vqU, SqX, Ai]WLqkNfU, jaka]NWoU, j]poU, v]ŸOSkLW¤, AvWLwRÕasOW¥,
sUZjU, v}uV\ ARsæË]¤ oãOfq¾]sOçfLp JRfË]sOU WLq|U yUmÌ]\ÿV JRfË]sOU v]SpL^]SÕL
f¡¨SoL DºLWOÐ kƒU, A°RjpOç JfO WLq|¾]R£pOU yL¡ÀWfRpÖr]\ÿOç
RIy]RIy]RI mLË]R£ An]NkLpU AÍ]ovOU WL¡cV AUY¾]jO So¤ mLiWvOU
3
Bp]q]ÖÐfOoLeV.
(RI) WL¡c]SÓsOU oRãv]RaRpË]sOU ""RIy]RIy]RI mLËV RNWc]ãV WL¡cV INY]Ro£V'' IÐ
vL¨]R£ DkSpLYU A¡ÀoLÖÐfV CT v|vòWtOU j]mÌjWtOoLeV.
II. WL¡cV Syvj°¥
WL¡cV RIy]RIy]RI mLË]R£ y~¾LeV. RIy]RIy]RI mLËV fLRuÕrpOÐvàOç Af]R£
AvWLwU RRWvwU vàOÐO: (1) ASkƒWR£ vLp×L v]w~Ly|f DrÕLÖÐf]Ss¨Lp] RNWc]ãV
m|PSrL r]SÕL¡ŸOU Bvw|RoÐV SfLÐOÐ AfOSkLsOç oãV r]SÕL¡ŸOWtOU SwXq]ÖW. (2) mLË]R£
kP¡¹oLp v]Sv\jLi]WLq¾L¤ JfV ASkƒWjOU WL¡cV j¤WL¢ v]yÚf]ÖW. WL¡cV RRWoLãU
R\áL¢ kLa]sæL¾fOU Af]R£ DkSpLYU Cf]¤ kqLo¡w]\ÿ]ŸOç v|vòW¥ÖU WPaLRf yopL
yop°t]¤ RIy]RIy]RI mLËV v|vò R\áOÐfLp JfV Ai]W j]mÌjW¥ÖU
v]SipoLp]q]ÖU. WL¡cV AUYU WL¡cV sn]\ÿ DaRj WL¡c]R£ k]¢nLY¾V KÕV vSàºfLeV. IsæL
WL¡cV AUY°¥ÖU RIy]RIy]RI mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡ Ry£¡ KÕU/ARsæË]¤
C¢l]j]ã] sn|oLp]q]ÖU. WL¡cV AUY°¥ RIy]RIy]RI mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡
Ry£¡ KÕU/ARsæË]¤ C¢l]j]ã]p]sPRa NkSpL^jRÕaO¾OÐ vLp×L kq]i] Dp¡¾¤,
CakLaOWRtÖr]\ÿOç ASj~xeU, RoL¾U WOa]ê]W yUX|, SðãVRo£V v]whLUw°¥, keU AaàLjOç
f}pf] oOfsLpv D¥RÕRapOçfOU, IÐL¤ Av oLNfoLp] kq]o]fRÕaL¾fOoLp JfV Syvj°tOU/
yTWq|°tOU IsæL yop¾OU CT Syvj°tOU/yTWq|°tOoLp] mÌRÕŸOU, CT Syvj°tOU/
yTWq|°tOU y~}Wq]ÖÐ q}f]pOoLp] mÌRÕŸOU RIy]RIy]RI mLËV v|vò R\áOÐfOU,
yopL yop°t]¤ SnhYf] R\áOÐfOoLp v|vòW¥ÖU j]mÌjW¥ÖU v]SipoLp]q]ÖU.
III. WL¡c]R£ DkSpLYU
(I) AÍLqLNì fs¾]¤ NkLms|oOç KqO WL¡c]R£ WLq|¾]¤, fLRu \ŸU III (^]) p]¤ v]vq]\ÿ]ŸOç
WLq|°¥ Ku]RW WL¡c]jV SsLWv|LkWoLp] NkLms|oOºLp]q]ÖU. oãV WL¡cOWtORa WLq|¾]¤
AvpORa DkSpLYU v]y/v]y CsWVSNaL¦ RNWc]ãV WL¡cOW¥/oLð¡ WL¡cV/ARoWõV y~}Wq]ÖÐ
CÍ|p]Rs vLe]^| òkLj°t]¤ oLNfU KfO°]p]q]ÖU. IË]sOU, RNWc]ãV WL¡cV DkSpLYU JfO
yop¾OU, JfO WLqe¾LsOU, j]qy]ÖÐf]jOç AvWLwU RIy]RIy]RI mLËOU mÌRÕŸ
vLe]^| òLkjvOU RRWvwU vàOÐO. RNWc]ãV WL¡cV v|©]kqvOU pgL¡ÀvOoLpfOU,
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DkSpLY]ÖSÒL¥ WL¡cV AUYU \L¡²V yæ]ÕV KÕ]ŸO j¤WOÐ yop¾V Af]R£ SWLÕ]
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yæ]ÕV WL¡cV AUYU KÕ]aLRf SkLWOÐ yLz\q|¾]sOU B CakLa]R£pOU/CakLaOWtORapOU, AfOoLp]
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mLËV Af]R£ kq]kP¡¹ v]Sv\jLi]WLq NkWLqU \L¡²V yæ]Õ]R£ SWLÕ]W¥ aLq]lV AjOmÌ¾]¤
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v]Sv\jLi]WLq NkWLqU WL¡cV AUY¾]jV Rop]¤ KL¡cr]sPRaSpL RasSlLe]sPRaSpL Dç
vL°sOWtORa yTWq|U KqO¨]R¨LaO¨L¢ yÚf]ÖÐfLeV. KqO KL¦RRs¢ RNWc]ãV WL¡c]R£
DkSpLYU KL¦RRs¢ BpOU/Rop]¤ KL¡c¡ BpOU Dç CakLaOW¥¨V oLNfoLp] j]pNÍ]\ÿ]ŸOçfLeV.
KqO KL¦RRs¢ RNWc]ãV WL¡cV KqO ykæ]Ro£r] WL¡cV/BcV&KL¦ WL¡cV Bp] oLNfSo j¤WOWpOçO,
RRNkor] WL¡cV Bp] j¤WOÐfsæ. ARsæË]¤ RIy]RIy]RI mLËV Af]R£ kq]kP¡¹
v]Sv\jLi]WLq NkWLqU yopL yop°t]¤ Ar]p]ÖÐ q}f]p]¤ Bp]q]ÖU. Rop]¤ KL¡c¡ vu]SpL
Sas]SlL¦ vu]SpL Dç vL°]¨¤ Avyq°t]¤, vL°¤ ja¾OÐ yop¾V, WL¡cV AUYU \L¡²V
yæ]ÕV KÕ]aOÐ]RsæÐOç WLq|U WL¡cV AUYU Ar]´]q]S¨ºfLeV. Af]jjOyq]\ÿ,V A¾qU KqO
vL°]¨s]R£SpL \L¡²]R£SpL WLq|¾]¤ AvpORa Bi]WLq]WfSpL NkLms|SoL f¡¨
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v]SipoLvOWpLReË]¤, Af]jOç WLqeU IRÍLR¨pLReË]sOU, WL¡cV AUYU j]sv]sOçfLp
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yÚf]ÖÐO.
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fÚ]¤ Af]jV kq]zLqU vqOS¾ºfOoLeV. RIy]RIy]RI mLËV pLRfLqO v]i¾]sOU Af]Rj
yUmÌ]\ÿV D¾qvLh] Bp]q]ÖÐfsæ.
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oLy¾]Rs AvyLj f}pf]Ö SwxU kLa]sæ.
c]) Cj]ÕrpOÐ yLz\q|°t]¤ WL¡cV AUY¾]R£ WL¡cV DkSpLY¾]jOç AvWLwU Daja]
f}qOoLj]¨RÕaOÐfLeV: (i) fLRupOç \ŸU VRj fOa¡ÐOç rÇL¨¤ yUnv]ÖW, ARsæË]¤ (ii)
WL¡c]R£ jxVaRÕa¤/hOqOkSpLYU ARsæË]¤ SoLxeU yUnv]ÖW.
C) WL¡c]R£ DkSpLY¾]sPRa WL¡cV AUYU WL¡c]R£ WLsLvi]pORa kOfO¨s]jOU/ oLã]j¤Ws]jOU
Svº] KqO j]sv]sOç ASkƒ j¤W]p]ŸOçfLp] We¨L¨RÕaOÐfOU, Af]jO v]kq}foLp] WL¡cV
AUYU RIy]RIy]RI mLË]jV 24 oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤/C¢l]j]ã]p]¤ Ar]p]ÕV
j¤WOÐfOvRqpOU KLSqL WL¡cV AUY¾]jOU WL¡cV Cx|O R\áOÐfOoLp]q]ÖU. A¾q¾]sOç
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v]SipoLp]q]ÖU.
IlV) KqO RNWc]ãV WL¡cV SNkLNYLU j]¡¾sL¨RÕaOWSpL, RNWc]ãV WL¡c]R£ kOfO¨¤ yopS¾L,
WL¡cV AUY¾]R£ k¨sOç WL¡c]R£ Cj¾]¤ j]ÐOU v|f|ñoLp Cj¾]sOç KqO WL¡cV, Af]R£
kP¡¹oLp v]Sv\jLi]WLq NkWLqU Cx|O R\áOÐf]jOç AvWLwU RIy]RIy]RI mLËV RRWvwU
vàOÐO. JfV RNWc]ãV WL¡c]sOoOç RNWc]ãV s]o]ãOWtOU W|LxV s]o]ãOWtOU IsæL yop¾OU
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^]) WL¡cV AUYU IsæL WLs¾OU WL¡cOopOU RIy]RIy]RI mLËOoLpOU Dç IsæL CakLaOWtOU
D¾o v]w~Ly¾]¤ R\SáºfLeV.
I\ÿ)V WL¡cV AUY¾]jV j¤W]p AÍLqLxVNa NkLms|oOç WL¡c]jV, SjÕLt]sOU nPŸLj]sOU Dç vLe]^|
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NkLms|oOºLp]q]ÖU. WL¡c]R£ WLq|¾]¤, Af]R£ DkSpLYU CÍ|/SjÕL¥/nPŸL¢ IÐ]v]a°t]¤
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IWVySV \µV oLSj^VRo£V BWVa'V ' (Rlo) ARsæË]¤ oãV yoLj j]po°tORa sUZjoLp]q]ÖU. CT
j]mÌjWtORa v]qOÈoLp] R\áOÐ JfV RfãLp jaka]W¥ÖoOç kP¡¹oLp D¾qvLh]f~U WL¡cV
AUYU JRãaOÖWpOU, RIy]RIy]RI mLË]jV DºLWLvOÐ JfV jxVaU, jLwU, ks]w,
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oãV JRfË]sOU yLÒ¾]W \L¡²OW¥ KÕU/ARsæË]¤ jì°¥ IsæLU j]W¾OÐf]jOU
RIy]RIy]RI mLË]Rj WOãv]oO©oLÖÐf]jOU DrÕO j¤W] yÚf]ÖWpOU R\áOÐO.
RI) AÍLqLxVNa NkLms|oOç WL¡cV JfV DSÇw|¾]jOU Svº] C£¡Rjã]¤ DkSpLY]¨LvOÐfOU
Af]Ss¨LpOç jLe|U CÍ|p]Rs KqO AUY}WQf c}sr]¤ j]ÐOU vL°]¨LvOÐfOoLeV.
R^) AÍLqLxVNa NkLms|oOç WL¡cOU oRãsæL WL¡cOWtOU C£¡Rjã]sPRaSpL oãO q}f]p]SsL, j]SqLi]f
vñO¨t]¤ D¥RÕaOÐ SsLŸr] a]¨ãOW¥, j]SqLi]\ÿSfL j]x]ÈSoL Bp oLy]WW¥ SkLRspOçv
vL°OÐf]SjL, \PfLŸU SkLRspOçvp]Rs kËLt]¾U, SWL¥mLWV y¡vÿ}y]jV keU j¤W¤ oOfsLp
WLq|°¥¨LSpL DkSpLY]¨L¢ kLa]sæ.
RW) AUY}WQf v|LkLq]W¥¨V RNWc]ãV WL¡c]¤, CÍ|Ö kOrS¾Öç WpãOof]¨V Svº],
CrÖof]¨LqjLp CakLaOWLq¢ CÍ|p]Ss¨V yÎ¡wj¾]jLp] vÐfLSeL AsæSpL IÐfV
kq]Ye]¨LRf, Rcm]ãV Bp] SkRo£V y~}Wq]¨LvOÐfLeV. AfORWLºV, AUY}WQf v|Lkq]W¥¨V
CÍ|pV¨V kOrS¾¨V WpãOof] ja¾]pf]jOç keU Rcm]ãLp] CrÖof]¨LqR£ RNWc]ãV WL¡c]R£
Rcm]ã]sPRa sn]ÖÐfLeV. Cf]¤ WL¡cV Cx|O R\pÅ mLËV/yUZajp]¤ j]ÐOU keU f]q]RW
sn]ÖÐfV v]Shw jLe|¾]¤ Bp]q]ÖU.
5
(I¤) pLRfLqO WLqevOU WLe]¨LRf, WL¡c]sOç Ai]WLqRÕaO¾¤ ASkƒW¥ j]qy]¨LSjL
oLj]¨LSjL Dç kP¡¹oLp v]Sv\jLi]WLqvOU y~LfNÍ|vOU RIy]RIy]RI mLËV RRWvwU
vàOÐO. \]s NkSf|W yÎ¡n°t]¤, Af]R£ kP¡¹ v]Sv\jLi]WLq¾]jO v]SipoLp], KqO CakLaV
AUY}Wq]ÖWpOU AfV WL¡cV A¨Tº]¤ \L¡²V R\áOWpOU R\áOÐf]jO oO¢kV, RIy]RIy]RI
mLËV 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ mÌRÕŸV B CakLaV ò]q}Wq]¨L¢ RIy]RIy]RI
mLËV WL¡cV AUYS¾LaV Bvw|RÕSŸ¨LU.
(IU) j]pov]qOÈSoL/Aji]WQfSoL Bp vL°sOW¥¨V/DSÇw|°¥¨V keU j¤WOÐf]jO Svº]
fL¢ WL¡cV DkSpLY]ÖWp]RsæÐV WL¡cV AUYU yÚf]ÖÐO.
IV. v|©]kqoLp f]q]\ÿr]p¤ jÒ¡
WL¡cV AUY¾]jV WL¡cV DkSpLYU yLÈ|foLÖÐf]jLp] KqO SkuVye¤ RIc£]l]S¨x¢ jÒ¡
(Ik]RII¢) ASÇz¾]jV Bh|U fRÐ j¤WOÐfLeV. Ik]RII¢ ASÇz¾]jV fkLs]¤
Ap\ÿORWLaOÖÐfLeV. IÐL¤ AfV KqO y}¤ R\pÅ Wvr]¤ sn|oLp]Ÿ]RsæË]¤, WL¡cV AUYU KqO
RIy]RIy]RI mLËV NmLµ]RjSpL ARsæË]¤ RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡
RWp¡ Ry£rOoLSpL j]¡mÌoLpOU mÌRÕSaºfLeV. CT Ik]RII¢ k]Ð}aV WL¡cV AUY¾]jV
fR£ y~ÍU AkLpyLÈ|fpOU KqO Ia]IÚ]¤ ARsæË]¤ RIy]RIy]RI mLËV NmLµ]¤ ARsæË]¤
RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ v\ÿV oLãU vqO¾LvOÐfLeV.
Ik]RII¢ WL¡cV A¨Tº]SsÖç NkSvwjU j¤WOWpOU WL¡cV AUYU Af]R£ DkSpLYU, qzy|
y~nLvU Ik]RIIÐ]R£ yUqUƒeU IÐ]vpORa D¾qvLh]f~U J¤ÖWpOU, WPaLRf WL¡cV
A¨Tº]SsÖç B Ik]RII¢ DkSpLY]\ÿV NkSvw]ÖÐfLp IsæL KL¡crOW¥ÖU
v]vq°¥ÖU WPa] D¾qvLh]pLp]q]ÖWpOU R\áOÐfOoLeV. KqO oPÐLU Wƒ]¨V Ar]vV sn]¨L¢
CapLWOÐ q}f]p]¤ WL¡cV AUYU Ik]RII¢ KqO SlLr¾]sOU j]¡mÿmÌoLpOU SqXRÕaO¾L¢
kLaOçfsæ. WL¡cV AUYU RIy]RIy]RI mLË]Rj CakLaOWtOU j]¡SÇw°tOU jaÕ]sLÖÐf]jLp]
(Ik]RIIÐ]R£ Bi]WLqfp]¤) Ai]WLqRÕaO¾]p]ŸOºV, AfV rÇL¨LvOÐfOosæ. WL¡cV
AUY¾]R£ Ik]RII¢ ò]q}Wq]ÖÐfV Ku]RW, RIy]RIy]RI mLË]jV sn]ÖÐ KqO CakLaV
j]SÇw¾]R£ Bi]WLq]Wf kq]SwLi]S¨ºfLp mLÈ|f RIy]RIy]RI mLË]jV CsæL¾fOU, AfV
WL¡cV AUYU fRÐ Ap\ÿfLp] y~}Wq]¨RÕaOÐfOoLeV. WL¡cV AUYU IsæL WLs¾OU Cv]Ra
kqLo¡w]\ÿ]ŸOçv D¥ÕRapOç IsæL D\]foLp jaka]WtOU Ik]RIIÐ]R£ yOqƒ]ff~U
yUqƒ]ÖÐf]jLp] y~}Wq]S¨ºfLeV. WL¡cV AUYU Ik]RIIÐ]jLpOç yOqƒL Bvw|°¥
kLs]ÖÐf]¤ kqL^pRÕŸL¤ ASÇzU RIy]RIy]RI mLË]jV mLÈ|f vqO¾]vàOU.
RIy]RIy]RI mLËV Af]R£ kP¡¹ v]Sv\jLi]WLq¾]¤ j]sv]sOç WL¡c]jV KqO kOf]p
Ik]RII¢ AjOvh]ÖÐfLeV. Cv]Ra NkñLv]\ÿ]ŸOç j]mÌjW¥ÖU, RIy]RIy]RI mLËV
yopL yop°t]¤ v|©oLÖÐvàOU v]SipoLp], WL¡cV AUYU RIy]RIy]RI mLË]Rj
wq]pLp]ŸOçfsæL¾/WtvLp]ŸOç/Ai]WLqRÕaO¾RÕŸ]Ÿ]sæL¾/WQNf]ooLp/WL¡c]R£ RfãLp
DkSpLY¾LsOç KÕU/ARsæË]¤ Ik]RIIÐ]R£ RfãLp DkSpLY¾LsOç NkvQ¾]W¥¨V
D¾qvLh]pLÖÐfsæ. JRfË]sOU oPÐLU Wƒ]pORa RRWp]¤ WL¡cV I¾]S\ÿ¡Ðf]R£ lsoLSpL,
oPÐLU Wƒ]¨V Ik]RII¢ Ar]pL¢ CapLpfO WLqe¾LSsL yUnv]ÖÐ WL¡c]R£ DkSpLYU/
hOqOkSpLYU yUmÌ]\ÿOç AjÍq ls°¥¨V RIy]RIy]RI mLËV D¾qvLh]pLp]q]ÖÐfsæ.
JRfË]sOU oPÐLU Wƒ]¨V Syvj°t]Ss¨V NkSvwjU sn]ÖWpLReË]sOU Af]¤ WL¡cV A¨TºV
D¥RÕaOÐORºË]sOU Af]jV WL¡cV AUYU D¾qvLh]pLp]q]ÖÐfLeV. oLNfosæ, A°]RjpOç
hOqOkSpLY¾LSsL/oPÐLUWƒ]pORa DkSpLY¾LSsL AfLpfV Av¡¨V sn]\ÿfLp NkSvwjvOU
DkSpLYvOU ARsæË]¤ oãV fq¾]sOçvpOoLp] DºLWLvOÐ mLi|fW¥, \]svOW¥ ARsæË]¤ jLwU
IÐ]vàV WL¡cV AUYU D¾qvLh]pLp]q]ÖÐfOU, RIy]RIy]RI mLË]jV AvRàf]Rq yUqƒeU
j¤SWºfOoLeV. v]y IUR\¨V RNWc]ãV WL¡cV DaoW¥¨V Ik]RII¢ Cx|O R\áOÐfsæ.
V. sUZjU, AvyLj]Õ]¨¤/k]¢vL°¤
(I) sUZjU: JRfË]sOU WL¡cV AUYU CT v|vòWtOU j]mÌjWtOU JRfË]sOU
sUZ]¨Lj]avqOÐ yLz\q|¾]¤;
(i) CT v|vòWt]RspOU j]mÌjWt]RspOU oSãRfË]sOU \Ÿ°¥ÖU faôoLvLRf, A¾qU KqO
sUZj¾]¤ j]ÐOU Sjq]SŸL, Sjq]ŸsæLRfSpL DºLWLvOÐ JfV jì¾]jOU WL¡cV AUYU
6
D¾qvLh]pLp]q]ÖÐfOU; WPaLRf (ii) WL¡cV AUYU RIy]RIy]RI mLËV Bvw|RÕaOÐ yop¾V
j]sv]sOç A°RjpOçfLp IsæL fOWWtOU, Av A°Rj Bvw|RÕaOÐ f}pf]p]¤
WOa]ê]WpOçSfL AaSàºSfL BReË]sOU ARsæË]sOU, RIy]RIy]RI mLË]jV j¤WL¢
mLÈ|òjLp]q]ÖU.
(m]) AvyLj]Õ]¨¤/k]¢vL°¤:
WL¡cV AUY¾]jV JfO yop¾OU, RIy]RIy]RI mLËV s]o]ãcV, RIy]RIy]RI mLËV SlL¦
mLË]UYV Ry£¡, RIy]RIy]RI mLËV av¡, 7&LU j]s, y¡Svÿ jÒ¡ 115/27, SkæLŸV jÒ¡ 12,
jjNWLUYOc, Ryq]s]UYUkç], RRzhqLmLhV&500 032, CÍ| IÐ v]sLy¾]¤ SqXLoPsU IuOf]
WL¡cV A¨TºV AvyLj]Õ]ÖÐf]jV ASkƒ]¨LvOÐfLeV.
(i) WL¡c]R£ vsfOoPs nLYU oOr]\ÿO Wt´V SzLStLNYLoOU, oL®ã]WV yVRRNaÕOU oOr]R\ÿÐOrÕO vqO¾]
(KL¦ RRs¢ RNWc]ãV WL¡c]R£pOU v]y IUR\¨V WL¡c]R£pOU WLq|¾]RsLu]RW) WL¡cV SWaO
vqO¾]pSwxU RIy]RIy]RI mLË]¤ sn]ÖÐfO vSqÖU So¤kr´fLp SjLŸ}y]jV
NkLms|oOºLp]q]ÖWp]sæ. So¤kr´fOSkLRs R\áL¾kƒU WL¡cV A¨TSºL, JRfË]sOU
WL¡ScL AvyLj]Õ]ÖÐfsæ.
(ii) WL¡cV AUYU WL¡cV jw]Õ]\ÿORvÐV AvWLwRÕŸ SwxU, WL¡c]SÓ¤ \L¡²V DºLWOWpOU, WL¡cV
RIy]RIy]RI mLË]¤ f]q]\ÿOW]ŸLRfpOU vqOÐ yLz\q|¾]¤, WL¡c]SÓ¤ DºLp \L¡ÔW¥¨V
WL¡cV AUYU kP¡eoLpOU mLÈ|òjLp]q]ÖÐfOU, Av WL¡c]R£ hOqOkSpLY¾]R£ lsoLp]
DºLpfLReÐSfL, WL¡cV jw]Õ]\ÿfLp v]vqU RIy]RIy]RI mLË]Rj Ar]p]ÖWpOºLp]
IÐSfL kq]Ye]¨L¾fOoLeV.
(iii) RIy]RIy]RI mLËV JfV yop¾OU, oOÐr]p]SÕLaOWPa]SpL AsæLRfSpL, RIy]RIy]RI
mLË]R£ kP¡¹ v]Sv\jLi]WLqU Bvw|oLp] vqOÐ yLz\q|¾]¤ WL¡cV A¨TºOU WL¡cOU
AvyLj]Õ]ÖÐfLeV. WL¡cV AUYU CT j]po°¥ÖU j]mÌjW¥ÖU v]SipoLp]
RIy]RIy]RI mLË]¤ j]ÐOU qSºL Af]¤ WPaOfSsL WL¡cV A¨TºOW¥ RRWvwU vàOWpOU,
WL¡cV A¨TºOWt]¤ KÐ]R£ W}u]¤ RIy]RIy]RI mLË]jV AapVS¨º fOWWt]¤ v}uV\
vqO¾OWpOU R\áOÐkƒU oRãsæL RIy]RIy]RI mLËV WL¡cV A¨TºOWt]sOoLp] WL¡cV
AUY¾]jV sn|oL¨]p RNWc]ãV s]o]ãV faÓ vàOvLjOU, ASfLRaLÕU A¾qU IsæL WL¡cV
A¨TºOWt]sOoLp] sn|oL¨]p A¾qU IsæL AvWLw°tOU/BjOWPs|°tOU WL¡cVRoÒ¡ v}uV\
vqO¾]p WL¡cV A¨TºV NWo}Wq]ÖÐfO vRq k]¢vs]ÖvLjOU RIy]RIy]RI mLË]jV
Ai]WLqoORºÐV WL¡cV AUYU AyÎ]YVioLp] yÚf]ÖWpOU AUY}Wq]ÖWpOU R\áOÐO.
So¤kr´ WLq|¾]jV RIy]RIy]RI mLËV WPaOfsLp] SjLŸ}yV j¤SWº Bvw|Wf CRsæÐOU
WL¡cV AUYU yÚf]ÖWpOU AUY}Wq]ÖWpOU R\áOÐO.
(iv) WL¡cV A¨TºV AvyLj]Õ]\ÿ SwxvOU, RIy]RIy]RI mLËOU WL¡cV AUYvOU fÚ]sOç
oO¢kR¾ WqLr]jV v]qOÈoLWLRfpOU: (I) SðãVRo£]¤ SjqS¾fRÐ Nkf]ls]\ÿ]ŸOçSfL, AsæL¾SfL
IÐfV We¨L¨LRf k}Ð]aV j]sv]sOçfLp \L¡²OW¥ RoL¾vOU, WPaLRf, (m]) WL¡cV A¨TºV
AvyLj]Õ]\ÿSwxU (mÌRÕŸ NaL¢yLWVx¢ j]¡Çw¾]R£ f}pf] oOf¤) DºLp JRfË]sOU
y~SoipL Dç \L¡ÔWtORa fOW DaRjfRÐ WOa]ê]W Bp] oLrOÐfOU, Av A°RjfRÐ
Nkf]ls]ÖWpOºLp] IÐ j]sàO fRÐ \L¡ÔW¥ DºLp f}pf] oOf¤ yopL yop°]¤
NkLms|¾]sOç q}f]p]¤ ks]w mLiWoLWOÐfOU, B WOa]ê]W fOW WL¡cV AUYU AaSàºfOoLeV.
(v) WL¡c]SÓsOç AvWLw°¥ fL¤¨Ls]WoLSpL ò]qoLSpL k]¢vs]ÖÐf]jOU, KÕU/ARsæË]¤
JfO yop¾OU oO¢WP¡ SjLŸ}yV j¤WLRfpOU WLqeRoLÐOU WLe]¨LRfpOU WL¡cV
rÇLÖÐf]jOoOç kq]kP¡¹ v]Sv\Li]WLqU RIy]RIy]RI mLËV RRWvwU vàOÐO.
fL¤¨Ls]WoLpOç k]¢vs]¨sLReË]¤ RIy]RIy]RI mLËV Af]R£ kq]kP¡¹ v]Sv\Li]WLq
NkWLqU AvWLw°¥ kOj:òLk]S\ÿ¨LU. ò]qoLpOç k]¢vs]¨sLReË]¤, WL¡cV AUY¾]jV
ò]qoLp] AUYf~U j]Sxi]¨LjOç Ai]WLqU mLË]jOºV. IË]sOU, k]¢vs]¨¤ (fL¤¨Ls]WSoL
ARsæË]¤ ò]qoLpOçSfL) oPsU, WL¡c]SjLaV mÌRÕŸV DºLp]qOÐvpOU sn|oLp]qOÐvpOoLp IsæL
BjOWPs|°tOU, AvWLw°tOU Syvj°tOU y~SoipL k]¢vs]¨RÕaOU IÐ vñOf NkSf|WL¤
v|©oL¨]p]ŸOçfLeV. A¾q¾]sOç fL¤¨Ls]WSoL ò]qSoL Bp]ŸOç k]¢vs]¨s]¤, WL¡c]R£
k]¢vs]¨s]jO oOÒLp] WL¡c]¤ vÐ]ŸOçfLp oOuOv¢ \L¡²OWtOU, mLiWoLp]ŸOç oãV IsæL
7
\L¡²OWtOU yz]fU j¤WL¢ WL¡cV AUYU, RIy]RIy]RI mLËV or]\ÿV v|©oL¨]Ÿ]sæL¾kƒU,
fOa¡ÐOU mLi|òjLp]q]ÖU.
WL¡c]SÓ¤ SqXRÕaO¾]p]ŸOç NkLms|WLsU kq]Ye]¨LRf JfV yop¾OU WL¡cV k]¢vs]ÖWpOU
WL¡cV A¨TºV AvyLj]Õ]ÖWpOU R\SpÅ¨LU. mLËV Bvw|RÕaOÐ kƒU RIy]RIy]RI
mLË]RjSpL Af]R£ Nkf]j]i]RpSpL WL¡cV f]q]S\ÿ¤Õ]ÖÐf]jV WL¡cV AUYU yÚf]ÖÐO.
AvWLw°¥ k]¢vs]\ÿORWLºOç Ar]p]Õ]jO SwxoOç WL¡c]R£ DkSpLYU vµjLkqvOU, WL¡cV
AUYU j]po jaka]W¥¨V v]SipjLvOÐfOoLeV.
VI. \L¡²OWtOU keU AaàsOWo£OWtOU
\L¡²OW¥ fLRuÕrpOÐv KSqLÐOU D¥RÕŸfLeV:
(I) y~SoipLsOç\L¡²OWt]¤ D¥RÕaOÐv: KqO NaL¢yLWVx¢ j]¡Çw¾]sPRa vL°]p JfV
yLij°tORapOU KÕU/ARsæË]¤ Syvj°tORapOU fOW; KqO NaL¢yLWVx¢ j]¡SÇwR¾ fOa¡ÐV
sn|oL¨]p Ac~L¢yV fOW; KqO NaL¢yLWVx¢ j]¡Çw¾]sPRa RIy]RIy]RI mLË]SjLaV WL¡cV
A¨Tº]¤ Rcm]ãV R\áL¢ WL¡cV AUYU ASkƒ]\ÿfLp JfO fOWpOU.
(m]) y~SoipL AsæLRfpOç \L¡²OWt]¤ D¥RÕaOÐv: KqO WL¡cV A¨Tº]R£SpL WL¡c]R£SpL
WLq|¾]¤, RIy]RIy]RI mLËV \L¡²V R\áOÐ, S\qOÐf]jOç l}yV, vL¡x]W l}yV, kOfO¨¤,
RRWWLq|U R\á¤, SsãV SkRo£V, oãV l}yOW¥ oOfsLpv JfV D¥RÕRapOç IsæL l}yOWtOU.
S\qOÐf]jOç/vL¡x]W l}yOW¥ RIy]RIy]RI mLË]R£ j]sv]sOçfLp j]q¨V AjOyq]\ÿV
WL¡cV A¨Tº]¤ Rcm]ãV R\áOÐfLeV. CT l}yOW¥ f]q]\ÿO j¤WOÐfsæ. AUYf~U
kOfOÖÐf]jOç l}yV WL¡cV AUYU WL¡c]R£ KÐLU vL¡x]W¾]SjL Af]jO oOÒLSpL
AaSàºfLeV. NkSf|W CjU CakLaOW¥¨V RIy]RIy]RI yopL yop°t]¤ j]ép]ÖÐfLp
y¡vÿ}yV \L¡²OW¥ CTaLÖÐfLeV. y~SoipL AsæLRfpOç \L¡²OW¥ WeÖ WPŸOÐ q}f]
RIy]RIy]RI mLËV yopL yop°t]¤ Ar]p]ÖÐ q}f]p]¤ Bp]q]ÖU.
(y]) Cv]Ra So¤ v|©oL¨]p]ŸOç RIy]RIy]RI mLË]R£ JfV \L¡²OWtORapOU yUX|WtOSapOU
SqXW¥, Nkf|ƒ¾]sOç RfãOWtORa AnLv¾]¤, AÍ]ovOU WL¡cV AUY¾]jV mLÈ|fRÕŸfOU
Bp]q]ÖU. WPaLRf, y~SoipL Dç KqO \L¡²]Rj fOa¡ÐV RIy]RIy]RI mLËV ls¾]¤
vqO¾]pfLp JfV keU AaàsOU AÍ]ooLp]q]ÖÐfOoLeV. IsæL j]pokqoLp j]WOf]W¥, y¡vÿ}yV
aLWõ,V oRãsæL CTaL¨sOW¥, c|PŸ]W¥ (WL¡cOoLp] mÌRÕŸ JRfË]sOU ðLÒV c|PŸ]pOU q^]yVSNax¢
\L¡ÔWtOU DRºË]¤ Av D¥ÕRa), yopL yop°t]¤ y¡¨LSqL ARsæË]¤ oãV Ai]WLqWStL
WL¡c]R£ WLq|¾]SsL WL¡cOoLp] mÌRÕSŸL CTaLÖÐ j]WOf]W¥ (JfV SkqOWt]sPRapLpLsOU).
(c]) RRvW]p ARsæË]¤ SnhYf] R\pÅ \L¡²OW¥
I) KqO SzLŸ¤, WL¡ vLaW WÒj], NWPp]yVRRs¢ CakLaV, ARsæË]¤ oSãRfË]sOU CakLaOWtORa
WLq|¾]¤ RRvW]pSfL SnhYf] R\pVfSfL Bp \L¡²OW¥Öç mLÈ|f WL¡cV AUYU
yÚf]ÖWpOU, KqO v|LkLq] A¾qU \L¡²OW¥ RRvW]SpL SnhYf] R\SpÅL RNkLyôV R\SpÅ¨LU.
m]) RRvW]pSfL SnhYf] R\pÅSfL Bp \L¡²V WL¡cV A¨Tº]Ss¨V mÌRÕŸ CakLa]R£ f}pf]
oOf¤ 90 Wsº¡ h]vy°¥¨WU RNkLyôV R\SáºfLeV.
y]) C¾qU CakLaOWt]¤ oOr] vLaW, nƒeU ARsæË]¤ kLj}p \L¡²OW¥, j]WOf]W¥, CÌjU,
C¢xOr¢yV, vLaW \L¡²OW¥, vLaWRàaO¾ vLzj°tORa SWaOkLaOW¥, kL¡¨]UYV a]¨ãOW¥, oãV
NaLl]¨V sUZj°¥, KqO NWOp]yV RRs¢ vLz]j]¨W¾O j]ÐOU vL°OÐ yLij°tOU Syvj°tOU
oOfsLpv D¥RÕaOÐO.
(C) v]ShwjLe|¾]sOç \L¡²OW¥:
AÍLqLxVNa NkLms|oOç WL¡cOW¥ AsæLRfpOç WL¡cOWtORa WLq|¾]¤, SjÕL¥, nPŸL¢ IÐ}
qL^|°t]¤ Ku]RWpOç òs°t]¤ ja¾RÕaOÐ v]ShwjLe|¾]sOç CakLaOWRt yUmÌ]\ÿV
RIy]RIy]RI mLË]jV Av YTqvoLp] We¨]RsaOS¨º mLÈ|fp]RsæÐO oLNfosæ, JRfË]sOU
\L¡²OWtORa WLq|¾]¤ pLRfLqO fq¾]sOoOç mLÈ|f RIy]RIy]RI mLË]jV
DºLp]q]ÖÐfOosæ. So¤kr´f]jV If]qLvLRf, A¾q¾]sOç \L¡²OW¥¨V RIy]RIy]RI
mLËV ja¾]p JRfË]sOU keU j¤WsOW¥, WL¡cV AUY¾]R£ kP¡¹ D¾qvLh]¾¾]sOçfOU,
8
RIy]RIy]RI mLËV j¤SWº]vÐ A¾q¾]sOç \L¡²OWtORapOU fOWWtORapOU mLi|fWt]¤
j]ÐOU WL¡cV AUYU Ku]vL¨RÕŸfLp] We¨LÖÐfOosæ. A¾q¾]sOç keU j¤WsW¥R¨f]Rq
RIy]RIy]RI mLË]Rj WL¡cV AUYU kP¡¹oLpOU WOãv]oO©vOU AkWa qz]fvOU BÖÐfLeV.
(IlV) Rrp]¤SvpOoLpOç CakLaOW¥:
KqO RNWc]ãV WL¡cV vu] KqO a]¨ãV mO¨V R\áOSÒL¥, a]¨ãV vL°]pf]R£ keU mLiWoLp
Ac}xe¤ \L¡²OW¥ DRºË]¤ Av yz]fU WL¡cV AUYU j¤SWºfLeV. k]Ð}aV JRfË]sOU a]¨ãV
W|L¢y¤ R\áRÕaOÐkƒU Af]R£ fOW, RIy]RIy]RI mLË]¤ B fOW sn]ÖÐ yop¾V WL¡cV
A¨Tº]¤ (W|L¢ySsx¢ \L¡²OW¥ W]u]\ÿf]jO SwxU) RNWc]ãV R\áOÐfLeV.
IË]sOU, WL¡cV AUYU \L¡²V yæ]ÕV wq]pLp q}f]p]¤ RIy]RIy]RI mLË]¤ a]¨ãV W|L¢y¤
R\pÅf]jO SwxU 150 h]vy°¥¨WU, a]¨ãV vL°]p f}pf]pOU W|L¢y¤ R\pÅ f}pf]pOU
ò]q}Wq]\ÿORWLºOç W¾OU, a]¨ãV vL°]pf]R£ Skq]¤ vÐ Rcm]ãV WLe]ÖÐ SðãVRo£]R£
SWLÕ]pOU yz]fU yo¡Õ]ÖÐkƒU, Af]jOç RNWc]ãV WL¡cV AUY¾]R£ A¨Tº]¤
SqXRÕaO¾OÐfLeV. mLiWoLp NaL¢yLWVx¢ l}yV CTaL¨RÕaOÐfLeV.
(^]) CÌj SðxjOWt]Rs CakLaOW¥:
WL¡cV AUYU CÌj¾]jO keU j¤WL¢ Svº] WL¡cV DkSpLY]ÖWpLReË]¤, aLq]lV
AjOmÌ¾]¤ NkñLv]\ÿ]q]ÖÐ q}f]p]sOç NaL¢yLWVx¢ l}yyV ASÇz¾]¤ j]ÐV
CTaLÖÐfLeV.
(I\ÿ)V RNWc]ãV WL¡cV DkSpLY]\ÿV KqO R\svV R\áOÐ Da¢fRÐ WL¡cV AUYU mLÈ|òjLp]¾}qOU.
KqO keoaS¨ºfLp f}pf]p]¤ JRfË]sOU WOa]ê]WW¥ (m]¤ j¤W]p]ŸOçSfL AsæL¾SfL) mL¨]
j]¤ÖÐORºË]¤, A¾qU WOa]ê]WWt]¤ aLq]lV AjOmÌ¾]¤ NkñLv]\ÿ]q]ÖÐ q}f]p]sOç
\L¡²OW¥ mLiWoLWOÐfLeV. \L¡²V We¨LÖÐfV RRhjUh]j wqLwq] mLs¢y]R£ q}f]p]¤
Bp]q]ÖÐfOU AvV fLRuÕrpOÐ f}pf]Wt]¤ JRfË]sOU KÐO oOf¤ CTaLÖÐfOoLeV:
yLiLj°StL Syvj°StL vL°]pf]jLeV \L¡²V mLiWoLWOÐRfË]¤ RIy]RIy]RI mLË]R£
SqXWt]¤ AfV SqXRÕaO¾RÕaOÐ f}pf] oOf¤. keU k]¢vs]\ÿf]jLeV \L¡²V mLiWoLWOÐRfË]¤
fOW k]¢vs]\ÿ f}pf] oOf¤ RIy]RIy]RI mLË]jV keU f]q]RW sn]ÖÐ f}pf] vRq.
RI) WL¡cV AUY¾]R£ mLÈ|fpV¨V SjSq oO¢v]i]RpLÐOU WPaLRf, SðãVRo£]sPRa
Ar]p]\ÿfOSkLRs, \L¡²OWRtsæLÿ U keU AaSàºfLp f}pf]p]SsL Af]jO oO¢SkL Bp] RoL¾oLp]
AaàOWSpL, kWqU WL¡cV AUY¾]jV sn|oLp KLkVx¢ DkSpLY]\ÿV keU AaSàºfLp f}pf]p]SsL
Af]jO oO¢SkL SðãVRo£]¤ WLe]\ÿ]ŸOç AaSàº o]j]oU fOW (IIUc]) oLNfU AaàOWSpL
R\áLvOÐfLeV. AaSàº o]j]oU fOW RoL¾U WOa]ê]W fOWpORa 5%SoL, RIy]RIy]RI mLËV
Af]R£ kP¡¹ v]Sv\jLi]WLq¾L¤ j]¡¹p]ÖÐ A¾q¾]sOç oãV fOWSpL Bp]q]ÖU.
WL¡c]sOç C¢ðL¥Ro£V fOWpOU IUIUc]SpLRaLÕU S\¡ÖÐfLeV. oO¢kR¾ SðãVRo£]Rs
AaàL¾ IUIc] DRºË]¤ AfOU CSÕLuR¾ SðãVRo£]Rs IUIc]SpLRaLÕU S\¡ÖÐfLeV.
RoL¾U WOa]ê]W RNWc]ãV s]o]ã]sOU Ai]WoLWOWpLReË]¤ RNWc]ãV s]o]ã]jO oOWt]sOç fOW
IUIc]p]¤ D¥RÕaO¾OÐfLeV. WL¡cV AUY¾]R£ keU k]¢vs]¨¤ ASÇz¾]R£ W|LxV
s]o]ã]sOU Ai]WoLWOWpLReË]¤, ASÇz¾]R£ IUIc] RoL¾U WOa]ê]WpORa 5%SoL, WL¡cV
AUY¾]R£ W|LxV s]o]ãV Wv]pL¢ CapLp fOWSpL, Cvp]¤ JfLSeL WPa]pfV, B fOW Bp]q]ÖU.
C¢ðL¥Ro£V q}f]p]¤ keU f]q]RW AaàOWpLReË]¤, SðãVRo£V WLsptv]Rs C¢ðL¥Ro£V fOWpOU
o]j]oU AaSàºfLp fOWSpLRaLÕU S\¡ÖÐfLeV. RoL¾U WOa]ê]W RNWc]ãV s]o]ã]sOU W|LxV
s]o]ã]sOU Ai]WoLWOWpLReË]¤ RNWc]ãV s]o]ã]jOU RNWc]ãV s]o]ã]jOU oOWt]sOç fOWpOU
IUIc]p]¤ D¥RÕaO¾OÐfLeV. oOÒR¾ SðãVRo£OWt]Rs o]j]oU AaSàºfLp fOWW¥
AaàLRfpORºË]¤ AfOU o]j]oU AaSàºfLp fOWp]¤ D¥RÕaO¾OÐfLeV. IUIc] oLNfU AaàOÐ
yLz\q|¾]¤, mL¨]pOç RoL¾U WOa]ê]W fOWp]¤ CakLaOW¥ jaÐ f}pf] oOf¤ ks]w
CTaLÖÐfLeV. IUIc] oLNfU AaàOÐ-f]jOç KLkVx¢ WL¡cV AUYU DkSpLY]ÖÐ yLz-
\q|¾]¤, AfV fLRu RWLaO¾]q]-Ö-Ð NkSf|WoLpOç Ai]W v|vòW¥ÖU j]mÌjW¥ÖU
v]SipoLp]q]ÖU:
I) SðãVRo£V sn]ÖSÒL¥ WL¡cV AUY¾]jV W|LxV, R\¨V, NcLlVãV IÐ]-vp
- ]¤ JRfË]sOU
9
oOSXjSpL, C¢l]j]ã]p]sPRaSpL, SkRo£V j]¡SÇ-w°¥ oOSX-jSpL keU AaSàº f}pf]
BWOSÒLSuÖU RIy]RIy]RI mLË]¤ RoL¾U WOa]ê]W fOWSpL ARsæË]¤ o]j]oU AaSàº fOWàO
(IUIc]) fOs|oLp fOWSpL Af]¤ WPaOfSsL AaàLvOÐfLeV.
m]) WL¡cV DkSpLY¾LsOºLWOÐ IsæL \L¡²OW¥ÖU fLRu Nkf]kLh]\ÿ]ŸOç q}f]p]¤ (oOWt]¤ \ŸU
(I\ÿ)V KqO y¡vÿ}yV \L¡²V DºLp]q]ÖU.
y]) IUIc] fOWSàL ARsæË]¤ RoL¾U WOa]ê]W fOWSp¨L¥ WOr´ fOWSàL keU
AaàOWpLReË]¤, ks]wpOU y¡vÿ}yV \L¡²OWtOU vL°sOW¥ ja¾]p f}pf] oOf¤ RoL¾U WOa]ê]W
fOWàOSosOU, AaO¾ keU AaSàºfLp f}pf] vRq fOa¡ÐO ja¾OÐ kOf]p vL°sOW¥Ö SosOU
mLiWoLÖÐfLeV. Cv]Ra j]¡vÿ\]\ÿ]q]ÖÐ \L¡²OW¥Ö kOrRo, keU AaSàºfLp
f}pf]Öç]¤ o]j]oU AaSàº fOW (IIUc]) AaàL¾kƒU SsãV SkRo£V \L¡²OU
mLiWoLWOÐfLeV. Aa\ÿ JRfË]sOU IUIc]S¨L ARsæË]¤ Af]R£ nLYS¾]SjL, WL¡cV AUY¾]¤
j]ÐOU AfV RIy]RIy]RI mLË]jV sn]\ÿ]ŸORºË]¤, keU AaSàºfLp f}pf]Ö SwxU ks]w
mLiWoLWOÐfsæ.
*JfV WL¡cV AUYvOoLp] mÌRÕŸOU, RIy]RIy]RI mLËV Af]R£ kP¡¹oLp
v]Sv\jLi]WLq¾L¤ JfV yop¾OU oO¢WP¡ SjLŸ}yV WPaLRf IUIc] oLNfU AaàL¢ j¤W]p
KLkVx¢ fOa¡ÐOç \Ÿ°t]¤ v]vq]\ÿ]ŸOç q}f]p]¤ k]¢vs]ÖÐfLeV. RIy]RIy]RI mLËV
oRãLqO fq¾]¤ yÚf]\ÿ]Ÿ]RsæË]¤, KqO NkSf|W SðãVRo£]¤ j]¡vÿ\]\ÿ]ŸOç fOWW¥¨Lp] WL¡cV
AUY¾]¤ j]ÐOU sn]\ÿ JRfË]sOU keoavOW¥, KSW›Lm¡ 20, 2008 oOf¤ fLRuÕrpOÐ NWo¾]sOç
mLÈ|fW¥ f}¡ÖÐf]jLp] v]j]SpLY]¨RÕaOÐfLeV:
1. IsæL j]WOf]W¥, l}yOW¥, ks]w, \L¡²OW¥, R\svOW¥;
2. RNWc]ãV WL¡c]sOç SkuVye¤ SsLe]jOç AavV, mLs¢yV NaL¢yVl¡ yTWq|¾]¤ AaàLjOç
fveW¥;
3. \]særpLp] ja¾]p vL°sOWtORa fve AavV (\]særpLp] ja¾]p vL°sOWtORa keU AaàOÐfV
fve v|vòp]SsÖ oLã]p]ŸORºË]¤);
4. keU k]¢vs]¨sOW¥, SlL¦ oOSXjpOç NcLlVãV IÐ]vpORa AavV
5. WL¡cV RoÒ¡ NkSpL^jRÕaO¾]p]q]¨LvOÐ mLs¢yV NaL¢yVl¡ yTWq|¾]R£ oãV qPkSnh°tORa
AavV;
6. \]særpLp] ja¾]p vL°sOWtORa keU AavV
Cf]jO oOWt]¤ Aa°]p]ŸOç oSãRfË]sOU mLiWoLWLRf: (i) mÌRÕŸ SqXW¥ vu]SpL AsæLRfSpL
j]¡vÿ\]¨RÕŸ j]po°¥ vu] RIy]RIy]RI mLË]¤ j]ÐV WL¡cV RoÒ¡ NkSpL^jRÕaO¾]p
yTWq|°tOoLp] mÌRÕŸV ASÇzU AaàLjOç WOa]ê]WW¥ DRºË]¤, Af]Ss¨V A°RjpOç keU
AavOW¥ RIy]RIy]RI mLËV Af]R£ v]Sv\jLi]WLqU DkSpLY]\ÿV CTaL¨]Sp¨LU; (ii)
CTaLÖÐf]jOç D¾qvV RIy]RIy]RI mLËV Af]R£ v]Sv\jLi]WLqU DkSpLY]\ÿV v|f|LyU
vqO¾]Sp¨LvOÐfLeV.
A°RjpOç CTaL¨s]jO SwxU Ai]WU vqOÐ fOW DRºË]¤ B fOW RIy]RIy]RI mLËV
AaO¾fLp] kOr¾]rÖÐ RfLŸaO¾ SðãVRo£V/Wt]¤ j]¡vÿ\]\ÿ]ŸOç fOWW¥¨Lp] vqvO
vàOÐfLeV. KqO WL¡cV A¨Tº]jV KqO RIy]RIy]RI mLËV RNWc]ãV s]o]ãV W¤Õ]ÖÐfOU AfV
Kq]¨sOU Ai]Wq]¨L¢ kLa]sæL¾fOoLeV. IË]sOU, RoL¾U WOa]ê]W RNWc]ãV&s]o]ã]¤ Wv]pOÐkƒU,
Ai]WU vÐ fOWpORaSo¤ KqO Ai]W \L¡²V CTaLÖÐfLeV.
AUYf~U 12 oLyU kP¡¾]pLÖSÒL¥ WL¡cV AUY¾]jV RNWc]ãV s]o]ã]R£, KÕU/ARsæË]¤ W|LxV
s]o]ã]R£ (RIy]RIy]RI mLËV AfV j¤W]p]ŸORºË]¤) kOj:kq]SwLij/v¡È]Õ]¨¤/WOrà¤
IÐ]vàV ASkƒ]¨L¢ A¡zfpOºLp]q]ÖU. A¾qU kOj:kq]SwLijW¥Ö SwxU RNWc]ãV
s]o]ã]¤, KÕU/ARsæË]¤ W|LxV s]o]ã]¤ JRfË]sOU oLã°¥ vqO¾OÐfV RIy]RIy]RI mLË]R£
kP¡¹oLp v]Sv\jLi]WLq NkWLqU Bp]q]ÖU. WL¡c]¤ j]ép]\ÿ]ŸOç RNWc]ãV s]o]ãV, KÕU/
ARsæË]¤ W|LxV s]o]ãV JfO yop¾OU kOj:kq]SwLi]ÖÐf]jV (v¡È]Õ]¨sOU WOr¨sOU D¥RÕRa)
RIy]RIy]RI mLË]jV Af]R£ kP¡¹oLp v]Sv\jLi]WLq NkWLqU AvWLwU DºLp]q]ÖÐfOU,
10
RNWc]ãV s]o]ã]¤, KÕU/ARsæË]¤ W|LxV s]o]ã]¤ RIy]RIy]RI mLËV v¡ÈjvV vqO¾OÐO IË]¤
oLNfU AfV WL¡cV AUY¾]R£ yÚf¾]jV v]SipoLp] ls¾]¤ vqO¾OÐfOoLeV.
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sn]ÖÐkƒU pLRfLqO y¡vÿ}yV \L¡²OWtOU CTaLÖÐfsæ. IË]sOU, IsæL keo]akLaOW¥ÖU,
NcLlVãOW¥ÖU AvpORa CakLaV h]vyU oOf¤ AfV RIy]RIy]RI mLË]jV f]q]RW sn]ÖÐ yopU
vRq j]sv]sOç j]q¨]¤ y¡vÿ}yV \L¡²V mLiWoLWOÐfLp]q]ÖU.
(R^) WL¡cV AUYU fR£ RNWc]ãV WL¡c]Rs fOW AaàOÐf]jLp] ASÇzU RIy]RIy]RI mLË]¤
òLk]\ÿ]ŸOçfLp oRãLqO A¨Tº]¤ KqO fOW Rcm]ãV R\áOÐf]jOU ASf fOW fR£ RNWc]ãV WL¡cV
A¨Tº]¤ RNWc]ãV R\áOÐf]jOU j]¡SÇwU j¤W]pL¤, RIy]RIy]RI mLË]jV AfV R\áLjOç
Ai]WLqoORºË]sOU A°Rj R\áOÐf]jOç mLÈ|fp]sæ. WL¡cV AUY¾]R£ oqeSoL (RNWc]ãV
l}¤cV Rmj]l]ãV* fqRÕaO¾]p SwxU) kLÕqf~SoL, WL¡cV AUY¾]R£ m]y]jôV AvyLj]Õ]¨SsL
yUnv]ÖÐkƒU, WL¡cV A¨Tº]¤ j]sj]¤ÖÐ oOuOv¢ mL¨] fOWpOU, KÕU WL¡c]¤
ja¾RÕŸ]ŸOçfOU IÐL¤ WL¡cV A¨Tº]¤ CfOvRqpOU S\¡¨RÕaL¾fOoLp fOWWtOU, DaRj
WOa]ê]W Bp] oLrOÐfOU, AfV oOuOvjLpOU WL¡cV AUYU, ASÇz¾]R£ k]¢YLo]W¥, SjLo]j]W¥,
j]poNkWLqoOç k]ÍOa¡\ÿLvWLw]W¥ IÐ]v¡ RIy]RIy]RI mLË]jV j¤SWºfOoLeV.
*RNWc]ãV x}¤cV Rmj]l]ã]R£ v]whLUw°¥¨V aLq]lV AjOmÌU SjLÖW.
* v]wh v]vq°¥¨V, hpvLp] yÎ¡w]ÖW icicibank.com
RW) WL¡cV AUYU Nkf|ƒ¾]¤ yÚf]ÖÐRfRÍÐL¤, JRfË]sOU WOa]ê]W fOWSpL, ARsæË]¤
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AfV AaSàºfLp f}pf]p]¤ AaàOÐf]¤ fL¢ kqL^pRÕaOWSpL, RIy]RIy]RI mLËOoLp]ŸOç
WqLr]¢ W}u]¤ WL¡cV AUYU AjOnv]ÖÐ yLÒ¾]W/vLpVk/oãV yTWq|°tOoLp] mÌRÕŸ WqLr]¤
v}uV\ vqO¾OWSpL R\áOÐkƒU, RIy]RIy]RI mLËV Af]R£ kP¡¹ v]Sv\jLi]WLq NkWLqU,
oO¢v]i] WPaLRf, CT j]mÌjWtOU v|vòWtOU KÕU/ARsæË]¤ mLiWoLp j]po°tOU AjOyq]\ÿV
Af]jV sn|oLp]ŸOç oOuOvjOSoL ARsæË]¤ JRfË]sOSoL AvWLw°tOU kq]zLq oL¡«°tOU
DkSpLY]ÖÐfLeV.
I¤) keU AaàL¢ RRvWOÐkƒU, Cv]Ra Nkf]kLh]\ÿ]ŸOç RIy]RIy]RI mLË]R£ oãV
AvWLw°¥¨V ShLxWqoLvLRf, vLe]^| òLkj°¥¨V WL¡cV Bhq]¨Lf]q]ÖÐf]jOç j]¡SÇwU
j¤WOÐf]sPRa RNWc]ãV WL¡c]R£ AvWLw°¥ k]¢vs]ÖÐf]jOç Ai]WLqU RIy]RIy]RI
mLËV RRWvwU vàOÐO. WL¡cV AUYU AUY}Wq]ÖÐfV IRÍÐL¤, RIy]RIy]RI mLË]jV Af]R£
kP¡¹ v]Sv\jLi]WLq¾L¤ RIy]RIy]RI mLË]jV ARsæË]¤ Af]R£ j]po]¨RÕŸ Nkf]j]i]W¥/
J^£OoL¡ IÐ]v¡¨V JfV yop¾OU WL¡c]¤ SjqR¾ DºLp]ŸOçfLp \L¡²OWtORa keU
AavOW¥¨Lp] WL¡cV AUYR¾ k]ÍOaqLvOÐfLeV. WOa]ê]W IsæLU k]q]ÖÐf]jO Svº]vqOÐ
IsæL R\svOWtOU (j]pojaka]W¥Öç R\svOW¥ D¥RÕRa) WPaLRf RIy]RIy]RI mLË]jV
DºLp mÌRÕŸfOU, pLhQé]WoLp] DºLpvpOoLp R\svOWtOU, Avp]¤ WL¡cV kOfO¨s]jOç/
oLã] j¤WOÐf]jOç \L¡²OW¥, c|Pkæ]S¨ãV SðãVRo£V/\L¡²V&yæ]ÕV \L¡²OW¥,W|LxV
Ac~L¢y]jOç NaL¢yLWVx¢ l}yV, KTŸVSðx¢ R\ÖWtORa WtWVx¢ \L¡²OW¥, f]q]\ÿOvqOÐ
SkRo£OW¥Öç k]uWtOU AfOSkLRspOç oãO \]svOWtOU, j]pojaka]W¥ BqUn]¨L¢
CavqOÐkƒU oOuOv¢ j]pojaka] \]svOWtOU ks]wSpLaOWPa]p v]i]¾OWpOU IsæLU D¥RÕaOÐO.
IsæL \L¡²OWtORapOU v]whv]vq°¥¨V aLq]lV AjOmÌU SjLÖW.
IU) WL¡cV SzL¥c¡/WL¡cV AUYU ASÇz¾]R£ WOa]ê]W Av AaSàºfLp mÌRÕŸ f}pf]Wt]¤
AaàL¾kƒU, RIy]RIy]RI mLË]R£ Cv]RapOç \Ÿ°t]¤ v]vq]\ÿ]ŸOç v]v]i
AvWLw°¥ÖU kq]zLq oL¡«°¥ÖU kOrSo, WL¡cV SzL¥crORa/WL¡cV AUY¾]R£
RfLu]sOaoRp mÌRÕaOÐf]jOU, RfLu]sOao WL¡cV SzL¥c¡¨V/WL¡cV AUY¾]jV j¤WLjOçfLp
wÒt¾]¤/WPs]p]¤ j]ÐOU W]u]¨¤/W¥ ja¾OÐf]jOU, WL¡cV SzL¥c¡/WL¡cV AUYU
RIy]RIy]RI mLË]jV j¤WLjOçfLp IsæL WOa]ê]WWtOU f}qOÐfOvRq B fOW RIy]RIy]RI
mLË]jV j¤WOÐf]jOU Bvw|RÕaOÐf]jOU RIy]RIy]RI mLË]jV AyÎ]YVÈoLp Ai]WLqvOU
AvWLwvOU DºLp]q]ÖU. A°Rj ja¾OÐ W]u]¨¤ fOWW¥ RIy]RIy]RI mLËV WL¡cV
11
SzL¥crORa/WL¡cV AUY¾]R£ RfLu]sOaoRp Ar]p]ÖÐ (j]¡SÇw]ÖÐ) q}f]p]sOçv Bp]q]ÖU.
A°RjpOç W]u]¨sOW¥¨V WL¡cV SzL¥c¡/WL¡cV AUYU pLRfLqO kqLf]WtOU/If]¡ÕOWtOU
DºL¨L¢ kLa]sæ. WL¡cV SzL¥cRr/WL¡cV AUYR¾pOU, KÕU/ARsæË]¤ WL¡cV SzL¥crORa/WL¡cV
AUY¾]R£ RfLu]sOaoRppOU nq]ÖÐ pLRfLqO j]po°tOU DaÒa]WtOU, WL¡cV SzL¥crORa/WL¡cV
AUY¾]R£ RfLu]sOaoSpLaV A°RjpOç W]u]¨sOW¥ ja¾OÐf]jOU keU j¤WOÐf]jOU
Bvw|RÕaOÐf]jOç RIy]RIy]RI mLË]R£ AvWLwR¾ pLRfLqO fq¾]sOU faôRÕaO¾OWSpL
j]pNÍ]ÖWSpL R\áOÐ]sæ.
VII. keU k]¢vs]¨¤
WL¡cV AUY¾]jV Aa]pÍ]qoLp] keU sn]ÖÐf]jLp] WL¡cV DkSpLY]\ÿV RIy]RIy]RI mLË]R£
wLXWt]Rs Rasæ¡ WTºrOW¥/RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ òs°t]sOç KLSŸLSoãcV
Rasæ¡ Rox}jOW¥ (Ia]IUW¥), ARsæË]¤ mÌoOç oãO mLËOW¥/yopL yop°t]¤
RIy]RIy]RI mLËV j]ép]ÖÐ oãV òs°¥ IÐ]v]a°t]¤ j]ÐOU keU IaO¨LvOÐfLeV.
CT yTWq|¾]¢ W}u]¤ k]¢vs]¨LvOÐ RoL¾U fOW KqO yop¾OU KLSqL WL¡cV AUY¾]jOU
j]ép]\ÿ]ŸOçfOU sn|vOoLp W|LxV s]o]ãV Wv]pL¢ kLa]sæL¾fLeV. Ia]IU¤ j]ÐOU sn]ÖÐ
CakLa]R£ SqXW¥ WL¡cV AUYU yPƒ]\ÿO vSàºfLeV. IsæL \L¡²OW¥ÖSosOU KqO NaL¢yLWVx¢
l}yV CTaLÖÐfOU AfV Af]jO SwxU WL¡cV RoÒrORa Skq]¤ ApàOÐV SðãVRo£]¤ S\¡¾V m]¤
R\áOÐfOoLeV. Af]jV kOrSo, IsæL keU k]¢vs]¨sOW¥ÖU wqLwq] Nkf]h]j WOa]ê]WpORa
q}f]p]¤ WeÖWPŸOÐ KqO y¡vÿ}yV \L¡²V DºLp]q]ÖÐfOU AfV keU k]¢vs]\ÿ f}pf] oOf¤
RIy]RIy]RI mLË]¤ keU f]q]RW sn]ÖÐfOvRq mLiWoLWOÐfOoLeV. CT y¡vÿ}yV \L¡²V
WL¡cV A¨Tº]¤ Rcm]ãV R\áOÐfLeV.
oOWt]¤ kqLo¡w]\ÿfLp NaL¢yLWVx¢ l}yOWtOU y¡vÿ}yV \L¡²OWtOU f]q]\ÿOW]ŸL¾vpLeV.
RIy]RIy]RI mLËV j]ép]ÖÐ RfqRáO¨RÕŸ WL¡cOWt]¤, W|LxV s]o]ãV WL¡cV Cx|O
R\áOÐ f}pf] oOf¤ Bh|R¾ jPã] I¦kfV (180) h]vyU vRq kP^|U Bp]q]ÖU. Bh|R¾ 180
h]vy WLsptv]jO SwxU, RIy]RIy]RI mLËV Af]R£ kP¡¹oLp v]Sv\jLi]WLqU AjOyq]\ÿOU,
yopL yop°t]¤ RIy]RIy]RI mLËV Ar]p]ÖÐ j]mÌjW¥ÖU v|vòW¥ÖU
v]SipoLpOU WL¡cV AUY¾]jV W|LxV s]o]ãV sn|oLÖÐfLp]q]ÖU.
VIII. SlLe]sPRapOç NcLlVãV
WL¡cV A¨Tº]SÓ¤ NcLlVãV Cx|O R\áLjOç ASkƒ SlLe]sPRa RIy]RIy]RI mLË]R£
24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]sPRa RWLaO¨LvOÐfLeV. IsæL NcLlVãOWtOU sn|oLp W|LxV s]o]ãV
Wv]pL¾fLp fOWàOçfO oLNfSo Cx|O R\áOWpOçP. IsæL NcLlVãOW¥ÖU KqO NaL¢yLWVx¢ l}yV
\Oo¾OÐfOU AfV WL¡cV AUY¾]R£ SðãVRo£]¤ m]¤ R\áOÐfOoLeV. NaL¢yLWVx¢ l}y]jO kOrRo
IsæL NcLlVãOW¥ÖU KqO y¡vÿ}yV \L¡²V WPa] DºLp]q]ÖÐfOU, NcLlVãV Cx|O R\pÅ f}pf] oOf¤
WL¡cV RoÒ¡ RIy]RIy]RI mLË]jV keU f]q]\ÿaàOÐ f}pf] vRq AfV mLiWoLWOÐfOoLeV.
y¡vÿ}yV \L¡²V WL¡cV A¨Tº]¤ RIy]RIy]RI mLË]R£ j]sv]sOç j]q¨]¤ Rcm]ãV
R\áOÐfLeV. oOWt]¤ kqLo¡w]\ÿ NaL¢yLWVx¢ l}yOU y¡vÿ}yV \L¡²OU f]q]\ÿOW]ŸL¾vpLeV. CT
yTWq|U JfO yop¾OU, oO¢WP¡ SjLŸ}yV WPaLRfpOU WL¡cV AUY¾]jV mLÈ|fpOºLWLRfpOU
j]¡¾sLÖÐf]jOç AvWLwU RIy]RIy]RI mLËV RRWvwU vàOÐO. Kq]¨¤ Cx|P R\pVf
NcLlVãV fkL¤ vu]SpL W|Pq]p¡ vu]SpL, WL¡cV AUY¾]R£ RIy]RIy]RI mLË]R£
RrS¨L¡cOWt]¤ AvyLjoLp] SqXRÕaO¾]p v]sLy¾]¤, Ap\ÿORWLaOÖÐfLeV.
RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ ASkƒ sn]\ÿ yopU oOf¤ 4
h]vy°¥¨WU NcLlVãV j¤WL¢ Svº èo°¥ IsæLU R\áOÐfLReË]sOU Cf]Ss¨Lp] pLRfLqO
DrÕOU j¤WOÐ]sæ. cLlVã]R£ Rcs]vr] sn]¨LRf vqOÐf]jOU, Rcs]vr] RRvWOÐf]jOU, W]ŸLRf
vqOÐf]jOU RIy]RIy]RI mLËV D¾qvLh]pLp]q]ÖÐfsæ. KqO NcLlVãV jìRÕaOWpLReË]SsL,
W|L¢y¤ R\áeRoË]SsL RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ DaRj
v]vqU Ar]p]S¨ºfLeV. WL¡cV AUY¾]¤ j]ÐOU wq]pLp] kPq]Õ]\ÿ mLÈ|fLoO© DrÕV
(RIy]RIy]RI mLË]jV y~}WLq|oLp KqO SlLr¾]¤) sn]\ÿf]jO SwxU oLNfU NcLlVãV fOW
RIy]RIy]RI mLËV WL¡cV A¨Tº]¤ RNWc]ãV Bp] f]q]\ÿO j¤WOÐfLeV. NcLlVãV W|L¢y¤
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R\áOÐf]jV NcLlVãV f]q]\ÿO j¤SWºfOU Af]Ss¨Lp] KqO W|L¢ySsx¢ \L¡²V CTaLÖÐfLeV. KqO
NcLlVãV jìRÕaOWSpL/SoLxeU SkLvOWSpL R\pÅL¤ Af]R£ oLã] j¤Ws]SjL jìkq]zLq¾]SjL
RIy]RIy]RI mLËV D¾qvLh]pLp]q]ÖÐfsæ.
IX. C¢xPr¢yV BjOWPs|U
C¢xOr¢yV WÒj]pOoLpOç WPŸORWŸ]sPRa RIy]RIy]RI mLËV yopL yop°t]¤ WL¡cV
AUY¾]jV ksfqU C¢xOr¢yV BjOWPs|°¥ KLl¡ R\áOÐfLeV. IsæL RWæp]U SWyOWt]sOU, RWæp]U
K¾Of}¡ÕLÖÐf]jV C¢xOr¢yV WÒj] kP¡eoLpOU D¾qvLh]pLp]q]ÖU. jìkq]zLqU,
jìkq]zLqU CTaL¨¤, RWæp]oOWtORa RNkLyô]UYV oOfsLpvSàL oRãLRÍË]sOU WLqe°¥S¨L
WL¡cV AUYU RIy]RIy]RI mLË]Rj JRfË]sOU v]i¾]¤ D¾qvLh]pLp] We¨LÖWp]sæ. fLRu
RWLaO¾ X¼]Wp]Rs v|vòW¥¨V v]SipoLp], AUY}Wq]¨RÕŸ WOa]ê]WW¥ WL¡cV AUY¾]R£
SjLo]j]pLp] SkqO S\¡¾V, WRáLÕ]ŸV yLƒ|RÕaO¾]p, C¢xOr¢yV WÒj]pORa SjLo]Sjx¢ SlLo]¤
WLe]\ÿV WL¡cV AUYU C¢xOr¢yV WÒj]¨V Sjq]SŸL RIy]RIy]RI mLË]sPRaSpL j¤W]p B¥¨V
j¤WOÐf]sPRa, C¢xOr¢yV WÒj] Af]R£ IsæL mLÈ|fWt]¤ j]ÐOU oO©oLWOÐfLeV.
SjLo]Sjxj]¤ DºLWOÐ JfV oLãvOU WL¡cV AUYU SqXLoPsU RIy]RIy]RI mLË]Rj
Ar]p]\ÿ]q]ëU. WL¡cV AUYU WPaOfsLp] AUY}Wq]ÖÐRfRÍÐL¤, sn|oL¨]RÕŸ]ŸOç C¢xOr¢yV
BjOWPs|°¥ WL¡cV AUYU RIy]RIy]RI mLË]Rs KqO WL¡cV AUYoLp] AUYoLp] fOaqOWpOU
RIy]RIy]RI mLË]Rs WL¡cV A¨TºV jsæ q}f]p]sOU, kf]vLpOU j]s]j]¡¾OWpOU v}uV\WRtLÐOU
DºLWLf]q]ÖWpOU R\áOÐO IË]¤ oLNfU sn]ÖÐfLeV. WL¡cV AUYU k]RÐpOU
yÚf]ÖÐRfRÍÐL¤, C¢xOr¢yV RWæp]o]Rs fOW, RIy]RIy]RI mLË]R£ j]¡SÇwNkWLqU,
WL¡c]SÓsOç j]sv]sOç WOa]ê]WW¥ WL¡cV AUYU fQkÅ]WqoLp] q}f]p]¤ Aa\ÿOf}¡ÖÐfOvRq,
C¢xOr¢yV WÒj] KqO IyVSNWL A¨Tº]¤ yPƒ]S\ÿ¨LU. JRfË]sOU WLqe¾L¤ WL¡cV
yTWq|°¥ AvyLj]¨RÕaOÐfLp yLz\q|¾]¤, WL¡cV AUYf~U AvyLj]\ÿ f}pf] oOf¤
C¢xOr¢yV BjOWPs|°¥ y~SoipLpOU vyVfOfLkqoLpOU sn|osæLfLp] f}qOÐfLeV.
RIy]RIy]RI mLËV JfV yop¾OU (Af]R£ kP¡e v]Sv\jLi]WLq¾]¤ oO¢WP¡ SjLŸ]yV
WPaLRf) CT C¢xOr¢yV BjOWOs|°¥ kOfOÖWSpL, fL¤¨Ls]WoLp] j]¡¾sLÖWSpL,
k]¢vs]ÖWSpL, rÇLÖWSpL R\SpÅ¨LvOÐfOU, CT BjOWPs|°¥ fOaqOÐf]jV RIy]RIy]RI
mLË]jV pLRfLqO mLi|fLkqoLp WaopOU CsæL¾fOoLeV.
X. jìRÕŸ, SoLì]¨RÕŸ ARsæË]¤ hOqOkSpLYU R\áRÕŸ RNWc]ãV WL¡cOW¥
KqO WL¡cV jìRÕaOWSpL, SoLxeU SkLvOWSpL R\pÅL¤ WL¡cV AUYU j]¡mÿÌoLpOU A¾qU
jìRÕa¤/SoLxeU RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWpr]¤, 24 oe]¨Pr]jWU
Ar]p]\ÿ]q]ëU. AfV Da¢fRÐ RIy]RIy]RI mLËV Wðo¡ RWpr]¤ Ar]p]\ÿ]q]ëU. IË]sOU,
WL¡cV jxVaRÕŸfV SoLxeU WLqe¾LsLReË]¤, WL¡cV AUYU j]¡mÌoLpOU ASfÖr]\ÿV
NkLShw]W SkLs}yV Sðxj]¤ KqO kqLf] j¤SWºfOU, mLËV Bvw|RÕaOSÒL¥ B kqLf]pORa KqO
kW¡ÕV zL^qL¨L¢ Wu]SpºfOoLeV. RIy]RIy]RI mLËV of]pLp ASj~xeU ja¾]p SwxU
WL¡cV A¨TºV yRy×¢cV R\áOÐfOU, AfOoLp] mÌRÕŸOç IsæL yTWq|°tOU
AvyLj]Õ]ÖÐfOoLeV. WL¡cV AUY¾]jV DºLWOÐfLp JfV AyTWq|°¥ÖU mLËV
D¾qvLh]pLp]q]ÖÐfOosæ.
Kq]¨¤ WL¡cV jìRÕŸfLp]SŸL, SoLxeU SkLpfLp]SŸL ARsæË]¤ SWaOkã]pfLp]SŸL
Ar]p]¨RÕŸL¤, B WL¡cV k]Ð}aV WºOW]Ÿ]pL¤ SkLsOU v}ºOU DkSpLY]ÖvL¢ Wu]p]RsæÐ WLq|U
WL¡cV AUY°¥ ojô]sL¨]p]q]S¨º vñOfpLeV. KqO WL¡cV AUYU, KqO WL¡cV jxVaRÕŸO, SWaOkã],
ARsæË]¤ SoLì]¨RÕŸO IÐV NkX|Lk]\ÿL¤, AfV k]Ð}aV jw]¨L¾ Avòp]¤ WºO W]Ÿ]pL¤SkLsOU
v}ºOU DkSpLY]¨L¢ kLa]sæ. A¾qU SWyOWt]¤ WL¡cV AUYU DaRjfRÐ WL¡cV jLsV Wxe°tLp]
oOr]\ÿV AfV rÇLÖÐf]jLp] RIy]RIy]RI mLË]jV f]q]\ÿO j¤SWºfLeV. WL¡c]R£
yOqƒ]ff~¾]jOç D¾qvLh]f~U WL¡cV AUY¾]jV Bp]q]ÖÐfOU, WL¡cV hOqOkSpLYU
R\áRÕaO¾OÐ]RsæÐV DrÕOvqO¾L¢ SvºfLp IsæL jaka]WtOU y~}Wq]S¨ºfOoLeV. WL¡cV AUYU
So¤v]vq]\ÿfLp jaka]W¥ y~}Wq]ÖÐf]¤ kqL^pRÕŸO IÐV RIy]RIy]RI mLËV j]¡¹p]¨L¢
CavqOWpOU, WL¡c]R£ jxVaRÕa¤/SoLxeU/jLwU IÐ]vpORa WLq|¾]¤ WL¡cV DaopORa
NkX|LkjU yUwpWqvOU BReË]¤, jxVaRÕŸ, SoLxVa]¨RÕŸ ARsæË]¤ jw]\ÿOSkLp WL¡c]R£
13
SosOç yLÒ¾]W mLÈ|f WL¡cV AUY¾]R£So¤ BWOÐfOU, AfV WL¡cV A¨TºV
rÇL¨RÕaOÐf]¤V WsLw]S\ÿ¨LvOÐfOoLeV.
WL¡cV AUYU WL¡c]R£ jìRÕa¤/SoLxeU/jLwU Ar]p]ÖWpOU AfONkWLqU RIy]RIy]RI
mLËV WL¡cV A¨TºV yRy×¢cV R\áOWpOU R\pÅ SwxU NkñOf WL¡c]SÓ¤ vqOÐfLp pLRfLqO
Aji]WQfoLp CakLaOWtORapOU mLÈ|f WL¡cV AUY¾]jV DºLp]q]ÖÐfsæ. WL¡c]R£ jìRÕa¤/
SoLxeU/jLwU Ar]p]\ÿf]jO SwxU WL¡c]SÓ¤ vqOÐfLp CakLaOWtORa mLÈ|f
mLË]S£fLp]q]ÖU. IË]sOU, Ar]p]ÕV j¤W]p yop¾]R£SpL KÕU/ARsæË]¤ WL¡c]R£ jìRÕa¤/
SoLxeU/jLwU Ar]p]\ÿf]jO SwxU WL¡c]SÓ¤ ja¾RÕŸ CakLaV/W¥ yUmÌ]S\ÿL IRÍË]sOU
f¡Ü DºLvOÐkƒU, Ar]p]Õ]R£ yopU, KÕU/ARsæË]¤ f¡¨¾]¤ D¥RÕŸ CakLa]R£
Bi]WLq]Wf f}¡\ÿRÕaO¾OÐf]jOç AvWLwU RIy]RIy]RI mLËV RRWvwU vàOÐO.
Dp¡Ð AkWa yLÈ|fpOç qL^|°t]Rs WL¡c]R£ DkSpLYU RIy]RIy]RI mLËV fOa¡\ÿpLp]
j]q}ƒ]ÖÐfLeV. Dp¡Ð AkWa yLÈ|fpOç qL^|°t]¤ ja¾OÐ WL¡cV CakLaOWtORa AkWa
yLÈ|fRpÖr]\ÿV WL¡cV AUY°Rt Ar]p]ÖÐf]jLp] AvRq mÌRÕaOÐf]jV RIy]RIy]RI
mLËV èo]ÖWpOU, WL¡c]R£ fOa¡ÐOç DkSpLYU faôRÕaOÐf]jOç AvqORa yÚfU
SfaOÐfOoLeV. AkWa yLÈ|fRpÖr]\ÿV RIy]RIy]RI mLËV Ar]p]\ÿf]jO SwxvOU WL¡c]R£
DkSpLYU faôRÕaO¾OÐf]jV WL¡cV AUYU v]yÚf]ÖWSpL, RIy]RIy]RI mLË]jV WL¡cV
AUYR¾ mÌRÕaL¢ yLi]¨LRf vqOWSpL R\áOÐkƒU, Af]jO SwxU WL¡c]R£ Aji]WQfoLp
DkSpLYvOoLp] mÌRÕSŸL AsæLRfSpL r]SÕL¡ŸV R\áRÕaOÐ pLRfLqO WLq|°¥ÖU
RIy]RIy]RI mLË]jV mLÈ|fSpL D¾qvLh]¾SoL DºLp]q]ÖÐfsæ.
XI. mLi|f Ku]vL¨¤
RIy]RIy]RI mLË]jV sn|oLp kq]zLq oL¡«°¥ÖU CT v|vòW¥ÖU ShLxWqoLWLRf,
fLRuÕrpOÐ WLq|°tL¤ Sjq]SŸL AsæLRfSpL WL¡cV AUY¾]jV DºLWOÐ JRfË]sOU jì¾]SjL
jLw¾]SjL RIy]RIy]RI mLË]jV pLRfLqO mLÈ|fpOU DºLp]q]ÖÐfsæ:
I) j¤WRÕŸ yLij°t]SsL Syvj°t]SsL DºLp JRfË]sOU fWqLrOW¥;
m]) JRfË]sOU v|©]SpL/vLe]^| òLkjSoL KqO WL¡cV oLj]¨LSjL y~}Wq]¨LSjL v]yÚf]ÖW;
y]) JRfË]sOU WÒ|PŸ¡ Ra¡o]jsOWtORa Nkv¡¾j fWqL¡;
c]) WL¡cV AUYosæL¾ oãLRqË]sOU NaL¢yLWVx¢ j]¡SÇwU j¤W¤;
C) RIy]RIy]RI mLË]SjL Af]R£ Nkf]j]i]WStL AsæL¾v¡¨V WL¡cV AUYU WL¡cV RRWoLrOW;
IlV. WL¡c]¤ SqXRÕaO¾]p]ŸOç WLsLvi] f}pf]Ö oOÒLp] WL¡cV f]q]RW Bvw|RÕaOÐf]jOU
j]¡¾sLÖÐf]jOoOç Af]R£ AvWLwU RIy]RIy]RI mLËV DkSpLY]ÖW;
^]) JfV WL¡cOU WL¡cV A¨TºOU AvyLj]Õ]ÖÐf]jOç Af]R£ AvWLwU RIy]RIy]RI
mLËV DkSpLY]ÖW;
I\ÿ)V WL¡c]R£ f]q]\ÿO k]a]¨sOU, KÕU/ARsæË]¤ WL¡cV f]q]\ÿO j¤WOÐf]jOç ASkƒpOU
WLqe¾LSsL, JRfË]sOU vLe]^| òLkjU/Rop]¤ KL¡c¡ òLkjU WL¡cV oLj]¨LSjL,
y~}Wq]¨LSjL v]yÚf]ÖÐfO WLqe¾LSsL WL¡cV AUY¾]R£ vLpVkL y~nLv¾]sOU
y¤W}¡¾]p]sOU IRÍË]sOU ƒfU yUnv]ÖW;
RI) RIy]RIy]RI mLËV Rvt]RÕaO¾]p JRfË]sOU v]vq°t]Rs JRfË]sOU RfãLp NkñLvj,
Rfã]Èq]Õ]¨¤, RfãOW¥ ARsæË]¤ v]ŸOSkLWsOW¥; RIy]RIy]RI mLSËL Af]jOSvº]
Nkv¡¾]ÖÐ JRfË]sOU v|©]SpL WL¡cV AUY¾]¤ j]ÐOU j]sv]sOç WOa]ê]W f}¡¨LjOç
Bvw|RÕaSsL AvWLwRÕaSsL ja¾OÐ yLz\q|¾]¤, A¾q¾]sOç Bvw|RÕaSsL
AvWLwRÕaSsL KqO oLjjìoOºLÖÐ NkvQ¾]pLSpL, Nkf]WPsoLpOç Nkv¡¾]pLSpL, JRfË]sOU
v]i¾]¤ WL¡cV AUY¾]R£ y~nLv¾]SÓ¤ Nkf]ls]ÖÐ Nkv¡¾]pLSpL We¨LÖWp]RsæÐV
WL¡cV AUYU yÚf]ÖWpOU AUY}Wq]ÖWpOU R\áOÐO.
RNWc]ãV WL¡cV yTWq|¾]jO Svº] ASkƒ]ÖSÒL¥ WL¡cV Dao sn|oL¨]p]ŸOç RoLRRm¤ SlL¦
jÒr]¤ ARsæË]¤ CRop]s]¤ As¡ŸOW¥ y~}Wq]ÖvLjOç yTWq|U, RIy]RIy]RI mLËV
14
J¡RÕaO¾]p]ŸOç Syvj hLfL¨¥ vu]SpL oãO fq¾]SsL sn|oLÖÐ Aa]òLj yTWq|°¥,
WeW›]v]ã], y¡vÿ}yV oOfsLpvRp Bèp]\ÿLp]q]ÖRoÐV WL¡cV Dao AUY]Wq]ÖÐO.
RIy]RIy]RI mLËV ApàOÐ As¡ŸOWtORa yop°¥, WQfQf, vLp]ÖvLjOç ƒof IÐ]v
RIy]RIy]RI mLËV J¡RÕaO¾]p]ŸOçSfL AsæLRfSpL Dç Syvj hLfL¨Rt mLi]ÖÐ
ZaW°Rt Bèp]\ÿ]q]ÖRoÐV WL¡cV Dao yÚf]ÖÐO. As¡ŸOW¥ WL¡cV DaoW¥¨V Rcs]vr]
R\áLf]q]¨¤, RRvW] oLNfU Rcs]vr] R\á¤, As¡ŸOW¥ ApàOÐf]¤ vqOÐ RfãOW¥, jìRÕa¤,
v]WQfoLW¤ fOa°]pvàV RIy]RIy]RI mLËV D¾qvLh] BWOÐfsæ.
XII. mLs¢yV NaL¢yVl¡ Rly]s]ã]
""Rly]s]ã]'' IÐf]R£ A¡ÀU WL¡cV AUY¾]R£ oãO mLËOWtORa RNWc]ãV WL¡cOWt]Rs
mL¨]pOç o]\ÿU WL¡cV AUY¾]R£ RIy]RIy]RI mLËV WL¡c]Ss¨V/RIy]RIy]RI mLËV
j¤WLRoÐV yÚf]\ÿ]ŸOç WL¡c]Ss¨V, WL¡c]¤ sn|oLp]ŸOç RNWc]ãV&s]o]ãV Wv]pLRf,
RIy]RIy]RI mLË]R£ kP¡¹oLp v]Sv\jLi]WLq NkWLqU oLãOW IÐfLeV.
""CTy] m]a]'' IÐf]R£ A¡ÀU WL¡cV AUYU Rly]s]ã] DkSpLY]\ÿf]R£ f]q]\ÿav]R£ q}f]
CSW~ãcV oÍVs] C¢ðL¥Ro£V q}f]p]¤ B¨] oLãOÐf]jOç yTWq|U IÐLeV.
""CIURI'' ARsæË]¤ ""CSW~ãcV oÍVs] C¢ðL¥Ro£V'' IÐf]R£ A¡ÀU Rly]s]ã]
DkSpLY]\ÿf]sPRa WL¡cV AUYU RIy]RIy]RI mLË]jV j¤WLjOç fOWpOU Af]R£ ks]wpOU
D¥RÕRapOç fOWpORa KSq q}f]p]sOç yoLjoLp Nkf]oLy fveW¥ IÐLeV.
""ksw qz]f mLs¢yV NaL¢yVl¡'' IÐf]R£ A¡ÀU RIy]RIy]RI mLËV j]ép]ÖÐ KqO
j]é]f WLsptv]¤ 0% ks]w j]q¨¤ WL¡cV AUYU WL¡cV Rly]s]ã] DkSpLY]ÖÐO IÐfLeV.
""I¤a]m]a]'' (RRslV&RRaU mLs¢yV NaL¢yVl¡) IÐL¤ A¡ÀU RIy]RIy]RI mLËV
j]ép]ÖÐ KqO j]q¨]¤ Aj]é]foLp KqO WLsptv]Ss¨V WL¡cV AUYU Rly]s]ã] DkSpLY]ÖÐO
IÐfLeV.
Rly]s]ã]pORa DkSpLYU:
Rly]s]ã] oOSXj RIy]RIy]RI mLËV Af]R£ oLNfoLp v]Sv\jLi]WLqU RWLºV WL¡cV AUYR¾
oãO mLËOW¥/òLkj°¥ Cx|O R\pÅ RNWc]ãV WL¡c]¤ mL¨]pOç oOuOv¢ ARsæË]¤ KqO nLYU fOW
fR£ WL¡cV A¨Tº]Ss¨V oLãL¢ AjOvh]ÖU. AUY}WLqU j¤W]p Rly]s]ã] fOWàV WL¡cV
AUY¾]R£ WL¡cV A¨Tº]¤ RNWc]ãV R\áOÐf]jLp] RNWc]ãV WL¡cV Cx|O R\pÅ oSã mLË]R£/
òLkj¾]R£ Skq]¤ RIy]RIy]RI mLË]¤ q^]ð¡ R\pVf]ŸOç WL¡cV AUY¾]R£ v]sLy¾]¤
ApàOÐ c]oL£V NcLlVãV vu]pLeV C¾qU oLãU yLÈ|oLÖÐfV.
RIy]RIy]RI mLËV Rly]s]ã] AjOvh]ÖWSpL AjOvh]¨LRoÐV yÚf]ÖWSpL
R\áOÐORvË]sOU fR£ oSã RNWc]ãV WL¡c]Rj yUmÌ]\ÿV WL¡cV AUYU mLÈ|òjLWOÐ WOa]ê]W
fOWW¥S¨L y¡vÿ}yV \L¡²OW¥S¨L RIy]RIy]RI mLËV D¾qvLh] Bp]q]ÖWp]sæ.
Rly]s]ã]p]sPRa oLã]p fOW RNWc]ãV WL¡cV Cx|O R\pÅ mLË]jV/òLkj¾]jV sn]ÖÐfOvRq
RNWc]ãV WL¡cV AUYU oSã RNWc]ãV WL¡cV Cx|O R\pÅ mLË]jV f]q]\ÿO j¤WL¢ fOa¡ÐOU
mLÈ|òjLp]q]ÖU. Af]jO kOrSo, WL¡cV AUY¾]R£ oSã RNWc]ãV WL¡cV Cx|O R\pÅ mLËV/
òLkj¾]sOç WL¡cV A¨Tº]¤ vqvV v\ÿ]q]ÖÐORvÐV WLe]ÖÐ KqO nLv] SðãVRo£V oOSXj
WL¡cV AUY¾]jV DrÕV sn]ÖWpOU R\áOU. RRNkor] WL¡cV AUY¾]jOU ykæ]Ro£r] WL¡cV
AUY¾]jOU CT Rly]s]ã], sn|oLp]ŸOç W|LxV s]o]ã]jOU RNWc]ãV s]o]ã]jOU v]SipoLp] sn|]ÖÐfOU,
ASkƒ]ÖÐ WL¡cV AUY¾]jV AfV j¤WOÐfOoLeV.
WL¡c]sOç W|LxV s]o]ãOU RNWc]ãV s]o]ãOU WL¡cV RoÒ¡¨V AjOvh]\ÿ Rl]y]s]ã]pORa fOWàV
AjOyqeoLp] SmæL¨V R\áRÕaOÐfLeV. Rly]s]ã]ÖSo¤ aLq]lV AjOmÌ¾]¤ j]¡vÿ\]\ÿ]q]ÖÐ
q}f]p]¤ RIy]RIy]RI mLËV WL¡cV AUY¾]jV j]ép]ÖÐ KqO j]é]f wfoLjU f]q]RW
sn]¨L¾ RNkLyô]UYV l}yV WL¡cV AUYU j¤SWºfLeV. RNkLyy]UYV l}yV, ks]w fOW
IÐ]vàOSo¤ RIy]RIy]RI mLË]R£ j]sv]sOç j]q¨jOyq]\ÿOç y¡v}yV aLWõV
mLiWoLp]q]ÖU. B NkSf|W oLyS¾Öç SðãVRo£]¤ A°RjpOç fOW
Nkf]ls]ÖÐfLp]q]ÖU.
15
Rly]s]ã]¨Lp] WL¡cV AUYU RIy]RIy]RI mLË]¤ ASkƒ]ÖSÒL¥, CT Rly]s]ã]
y~}Wq]ÖÐ oSã mLË]R£ RNWc]ãV WL¡c]SÓ¤ RIy]RIy]RI mLËV qP. k¾]R£ (10) KqO cÚ]
KLRfLRRrSyx¢ ja¾OÐfLeV. CT KLRfLRRrSyx¢ v]^pWqoLReË]¤, oãO j]mÌjW¥ÖU
v|vòW¥ÖU v]SipoLp], RIy]RIy]RI mLË]R£ kP¡¹oLp v]Sv\jLi]WLq NkWLqU,
mLs¢yV NaL¢yVl¡ CakLaV RNkLyôV R\áOÐfLeV.
f]q]\ÿ a à¤:
Rly]s]ã] CTy] m]a]pLeV IË]¤, WL¡cV AUYU Rly]s]ã]pOU Af]SÓ¤ Dç ks]wpOU f]q]\ÿaàOÐfV
CIURIWt]¤ Bp]q]ÖU. ks]w j]q¨V Rly]s]ã]ÖSvº] Bvw|RÕaOÐ yop¾V
RIy]RIy]RI mLËV WL¡cV AUYS¾LaV yP\]Õ]ÖÐ j]q¨]sOU Af]jOSwxU WL¡cV AUYR¾
Ar]p]ÖÐfjOyq]\ÿOU Bp]q]ÖU. ks]w We¨LÖÐfV CTy]m]a]Öç ASkƒ WL¡cV
AUY¾]¤ j]ÐV ò]q}Wq]¨RÕŸ yopU oOf¤ fOa°OU. CIURIpORa fOWRàLÕU Rly]s]ã]Rp
yUmÌ]ÖÐ oãO v]whLUw°tOU (ks]w j]q¨V D¥RÕRa) WL¡cV AUYR¾ ASÇz¾]R£/AvqORa
v]sLy¾]¤ Ar]p]ÖÐfLp]q]ÖU.
KqO NkSf|W oLyU AaSàº CIURI fOW B NkSf|W oLy¾]Rs SðãVRo£]¤
Nkf]ls]ÖÐfLp]q]ÖU. SðãVRo£]sPRa WL¡cV AUYR¾ Ar]p]\ÿ]q]ÖÐfOSkLRs KqO NkSf|W
oLyU AaSàº CIURI fOW Nkf]oLy Aa]òLj¾]¤ WL¡cV AUY¾]R£ WL¡cV A¨TºV Rcm]ãV
R\áOÐf]jV RIy]RIy]RI mLË]jV AvWLwU DºLp]q]ÖU/WL¡cV AUYU
Ai]WLqRÕaO¾]p]q]ÖU. WL¡cV AUYU f]q]\ÿaàOÐfjOyq]\ÿV W|LxV s]o]ãV/RNWc]ãV s]o]ãV WL¡cV
AUYU f]q]\ÿa\ÿ CIURI fOW vRq kOj:òLk]¨RÕaOU.
SðãVRo£]¤ yP\]Õ]ÖÐfOSkLRs WL¡cV RoÒ¡ KqO NkSf|W oLyR¾ CIURI fOW oOuv¢
keoaSàº f}pf]p]¤ AaSàºfOU AfV AaO¾ SðãVRo£]¤ W|Lq] SlL¡Sv¡cV R\áLSjL/
D¥RÕaO¾LSjL AjOvh]¨L¾fOoLeV. yP\]Õ]\ÿfOSkLRs keoaSàº f}pf]p]¤ keoa\ÿ]RsæË]¤
AfV WL¡cV RoÒrORa v}uV\pLp] v|LX|Lj]¨RÕaOWpOU, WL¡cV AUYU B fOWpOU ASfLRaLÕUaLq]lV
AjOmÌ¾]¤ WLe]\ÿ]q]ÖÐfO SkLRs ASÇz¾]R£ Rly]s]ã]p]SÓ¤ \Oo¾LvOÐ ks]wpOU
RRvW] AaàOÐf]jOç \L¡²OU AaàL¢ mLÈ|òjLWOÐfOoLeV.
CTy] m]a]Ö kOrRopOç Rly]s]ã]WtORa WLq|¾]¤ CT fOW RoL¾U AaSàº fOWpORa nLYU/
AaSàº CIURI fOW Bp] oLrOÐfOU, pgLNWoU \ŸU VIsOU XXXIVsOU j]¡vÿ\]\ÿ]q]ÖÐ
q}f]Wt]¤ f]q]\ÿaSàºfOU BeV.
WL¡cV AUYU ks]w qz]f mLs¢yV NaL¢yVl¡ y~}Wq]ÖWpLReË]¤, NaL¢yVl¡ R\áRÕaOÐ oOX|
mLs¢yV fOW oLNfU j]¡vÿ\]\ÿ]q]ÖÐ WLsptvV vRq ks]w qz]foLp]q]ÖU. Rly]s]ã]
y~}Wq]\ÿf]jO SwxU WL¡cV AUYU RoL¾U AaSàº fOWpORa KqO nLYU oLNfU AaàOÐkƒU, WL¡cV
AUYU Aa\ÿ fOW JRãaOÖWpOU, oOWt]¤ \ŸU VI (I) ¤ v]vq]\ÿ]ŸOç j]mÌjWtOU v|vòWtOU
AjOyq]\ÿOç ks]wpOU y¡vÿ}yV \L¡²OWtOU CTaLÖÐfOoLeV.
WL¡cV AUYU I¤a]m]a] y~}Wq]ÖWpLReË]¤, RIy]RIy]RI mLËV j]ép]ÖÐ j]q¨V
NaL¢yVl¡ R\áRÕaOÐ oOX| mLs¢yV fOWàO oLNfU mLiWoLp]q]ÖU. Rly]s]ã] y~}Wq]\ÿf]jO SwxU
WL¡cV AUYU RoL¾U AaSàº fOWpORa KqO nLYU oLNfU AaàOÐkƒU, WL¡cV AUYU Aa\ÿ fOW
JRãaOÖWpOU, oOWt]¤ \ŸU VI (I) (c) ¤ v]vq]\ÿ]ŸOç j]mÌjWtOU v|vòWtOU AjOyq]\ÿOç
ks]wpOU y¡vÿ}yV \L¡²OWtOU CTaLÖÐfOoLeV. AaSàº o]j]oU fOW We¨LÖSÒL¥ NaL¢yVl¡
R\áRÕŸ oOX| mLs¢yV fOWpORa 5% kq]Ye]¨RÕaOÐfLeV.
Rly]s]ã] oO¢WOŸ] AvyLj]Õ]¨¤:
Rly]s]ã] CTy] m]a] BReË]¤, Rly]s]ã]pORa f]q]\ÿavV WLsLvi]Ö oO¢kV SjqS¾ f}¡ÖWSpL/
AvyLj]Õ]ÖWSpL R\áOÐkƒU, ANkWLqU SjqS¾ f}¡ÖÐ/ AvyLj]Õ]ÖÐ yop¾V mL¨]
j]¤ÖÐ Rly]s]ã]p]Rs fOWpOU ASfLRaLÕU Af]SÓsOç oOuOv¢ ks]wpOU Rly]s]ã]pOoLp]
mÌRÕŸ oRãsæL kevOU DaRj AaàL¢ WL¡cV AUYU mLÈ|òjLWOÐfLeV. RIy]RIy]RI
mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£rOoLp] mÌRÕŸV WL¡cV RoÒ¡¨V JfV yop¾OU Rly]s]ã]
oO¢WPŸ] AvyLj]Õ]¨LvOÐfLeV. Rly]s]ã] AjOvh]ÖSÒL¥ RIy]RIy]RI mLËV WL¡cV
AUYR¾ Ar]p]\ÿ]ŸOç oO¢WPŸ] AvyLj]Õ]ÖÐf]jOç \L¡²OW¥ WL¡cV AUYU AaSàºfLeV.
16
fOa¡\ÿpLp qSºL Af]si]WSoL oLy°t]¤ CIURI AaàOÐfV oOa°OÐkƒU, RIy]RIy]RI
mLË]jV,V Af]R£ IsæL AvWLw°tORapOU kq]zLq oL¡«°tORapOU oO¢v]i WPaLRf, WL¡cV
AUYS¾LaV DaRjfRÐ Rly]s]ã]pOU Af]R£ ks]wpOU Rly]s]ã]pOoLp] mÌRÕŸ oRãsæL kevOU
f]q]\ÿaàL¢ Bvw|RÕaL¢ AvWLwoOçfOU, A°RjpOç Bvw|RÕa¤ DºLWOSÒL¥ oOuOv¢
fOWpOU f]q]\ÿaàL¢ WL¡cV AUYU mLi|òjLp]q]ÖÐfOoLeV.
Rly]s]ã] rÇV R\á¤:
Rly]s]ã] AjOvh]¨RÕŸV 15 h]vy°¥Öç]¤ RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡
RWp¡ Ry£rOoLp] mÌRÕŸV WL¡cV AUY¾]jV Rly]s]ã] rÇL¨LvOÐfLeV. A°RjpOç rÇV R\á¤
RIy]RIy]RI mLËV s]o]ãcV, RNWc]ãV WL¡cV KLÕSrx¢yV, CsWVSNaLe]WV yh¢ & IV (ES-4),
IURIc]y], jv] oOURRm & 400 710 IÐ v]sLy¾]¤ c]oL£V NcLlVãV f]q]RW sn]ÖÐf]jOU WL¡cV
AUYU ARsæË]¤ YOeSnL©LvV c]oL£V NcLlVãV keoL¨] oLãLf]q]ÖÐf]jOU v]SipoLp]q]ÖU.
XIII. ykæ]Ro£r] WL¡cV
RRNkor] WL¡cV AUY¾]R£ WOaOUmLUY¾]jV (WOaOUmLUY°¥¨V) KqO BcV&KL¦ WL¡cV
j¤WOÐf]jLp] j¤W]p KqO ASkƒ sn]\ÿL¤, RIy]RIy]RI mLËV Af]R£ kq]kP¡¹
v]Sv\jLvWLw¾]¤, KqO ykæ]Ro£r] WL¡cV, RRNkor] WL¡cV AUY¾]R£ WOaOUmLUY°¥¨V,
RIy]RIy]RI mLËV yopL yop°t]¤ j]ép]ÖÐ v|vòWtOU j]mÌjWtOU AjOyq]\ÿV
Cx|O R\áOÐfLeV.
ykæ]Ro£r] WL¡c]R£ DkSpLYU CT v|vòWtORapOU j]mÌjWtORapOU y~}WLq|fpLp]
We¨L¨RÕaOÐfLeV. ykæ]Ro£r] WL¡c]R£ DaopOU AfV j¤WL¢ Ai]WLqRÕaO¾OÐ RRNkor]
WL¡cV AUYvOU WPŸLpOU, RvSvÿRrpLpOU CT v|vòW¥ÖU j]mÌjW¥ÖU/keU Aav]jOU
mLÈ|òqLp]q]ÖÐfLeV. IË]sOU, ykæ]Ro£r] WL¡c]jV W}u]¤ vqOÐfLp IsæL \L¡²V
WOa]ê]WWtOU Aa\ÿO f}¡R¾ÐV DrÕV vqOS¾ºfLp D¾qvLh]¾U RRNkor] WL¡cV AUY¾]S£fLeV.
ykæ]Ro£r] WL¡c]SÓsOç yTWq|°¥, KqO NkSf|W yTWq|U IÐ j]sàV yopL yop°t]¤
RIy]RIy]RI mLËV j]¡¹p]ÖÐ l}yV/j]q¨]jV v]SipoLp]q]ÖU. ykæ]Ro£r] WL¡cV AUY¾]R£
AUYf~U fOaq¤ kq]kP¡¹oLpOU RRNkor] WL¡cV AUY¾]R£ AUYf~U fOaqOÐf]Rj
Bèp]\ÿ]q]ÖÐfLeV.
XIV. m]sæ]UYV
IsæL WL¡cV AUY°¥ÖU Nkf]oLy Aa]òLj¾]¤ WL¡cV DkSpLY¾L¤ vqO¾]p IsæL
\L¡²OW¥ÖU WPaLRf WL¡cV A¨Tº]jV mLiWoLp IsæL \L¡²OW¥ÖU m]¤ j¤WOÐfLeV.
WL¡cV AUY¾]jV SðãVRo£V ApàOÐfV RRvWLf]q]¨L¢ IsæL èo°tOU RIy]RIy]RI mLËV
ja¾OÐfLeV. IÐL¤ WOa]ê]W j]sv]s]sæL¾ WLsS¾LtvOU, oOÒR¾ oLyU WL¡cV A¨Tº]¤
CakLaOW¥ KÐOU CsæL¾SÕLuOU SðãVRo£V DfVÕLh]Õ]¨RÕaOÐfsæ.
RIy]RIy]RI mLËV WL¡cV AUY¾]jV oLNfU WLeL¢ yLi]ÖÐ q}f]p]¤ yOqƒ
DrÕOvqO¾]RWLºV SðãVRo£V KL¦RRs¢ Bp] sn|oL¨L¢ kq]èo]ÖÐfLeV. JfO WLqe°¥
RWLºLpLsOU SðãVRo£V W]ŸLRf vqOÐ yLz\q|¾]¤, Av ApàOÐ WLq|¾]¤ RIy]RIy]RI
mLË]R£ nLY¾V j]ÐOU RRvW¤ CsæLf]q]ÖÐO IË]¤, WL¡cV AUYU IsæL WOa]ê]WpORapOU RoL¾U
fOW keU AaSàºfLp f}pf]p]¤ fR£ RRWvwoOç \L¡²V yæ]ÕOWtORa SWLÕ]W¥ DkSpLY]\ÿV
We¨V WPŸ]SpL ARsæË]¤ RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤
ARfÖr]\ÿV ASj~x]S\ÿL RIy]RIy]RI mLË]¤ AaSàºfLeV.
XV. W\ÿva¨LRq Aa]òLjoL¨]pOç C¢ð£V o¡\ÿ£V SmyVcV C¢ðL¥Ro£V SNkLNYLo]R£
v|vòW¥
""CIURI'' ARsæË]¤ ""CSW~ãcV oÍVs] C¢ðL¥Ro£V'' IÐf]R£ A¡ÀU Rly]s]ã]
DkSpLY]\ÿf]sPRa WL¡cV AUYU RIy]RIy]RI mLË]jV j¤WLjOç fOWpOU Af]R£ ks]wpOU KÕU/
ARsæË]¤ oãO \L¡²OWtOU D¥RÕRapOç fOWpORa KSq q}f]p]sOç yoLjoLp Nkf]oLy fveW¥
IÐLeV.
""C¢ð£V CIURI'' IÐfV WL¡cOkSpLY]\ÿV RIy]RIy]RI mLËV Cc]y] (CsWVSNaLe]WV cLãL
17
W|LkV\¡ÿ ) Ra¡o]js]¤ ja¾RÕŸ CakLaOWtOU, KÕU/ARsæË]¤ AfOSkLRspOç KL¦RRs¢ CakLaOWtOU
WL¡cV AUY¾]R£ ASkƒ AjOyq]\ÿV CIURIp]Ss¨V oLãOÐf]Rj Nkf]kLh]ÖÐO. NkWLqoLeV.
v|©]Yf WL¡cV AUY¾]jV, R\svu]¨RÕŸ \L¡²OWtORa fOW Da¢fRÐ AaàeRoÐOç WL¡cV
AUY¾]R£ mLÈ|fpORa oO¢v]i] WPaLRf, RNWc]ãV WL¡c]SÓ¤ C¢ð£V CIURI sn|oL¨L¢
RIy]RIy]RI mLË]jV Af]R£ kP¡¹ v]Sv\jLi]WLq¾L¤, AvWLwU DºLp]q]ÖÐfLeV.
C°]Rj R\áOSÒL¥ WL¡cV AUY¾]R£ kƒ¾Oj]ÐOU, Cf]SÓ¤ vÐOS\qOÐfLp \L¡²V
DaRjfRÐ AaàeRoÐOç mLÈ|fàV ShLxWqoLp q}f]p]¤ KÐOoOºLvqOfV. \]s NkSf|W
vL°sOW¥¨Lp] KSq q}f]p]sOç Nkf]oLy fveW¥ vu] (CIURIW¥) keoaàOÐf]jOç KLkVx¢
NkSpL^jRÕaO¾LjOç AvyqU WL¡cV AUYU S\Lh]S¨ºfLeV. CfV WL¡cV AUY¾]Rj
RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£¡ Ar]p]ÖÐfOU, WL¡cV AUY¾]jV
Ap\ÿORWLaOÖÐ SðãVRo£]¤ yP\]Õ]¨RÕaOÐfOoLeV. Av fLRu RWLaO¾]q]ÖÐ v|vòW¥¨V
v]SipoLp]q]ÖU:
(i) Kq]¨¤ WL¡cV AUYU C¢ð£V CIURI vu] keoa¨LjOç KLkVx¢ y~}Wq]\ÿL¤, k]Ð}aOºLWOÐ
JfV oLã¾]jOU vL°s]R£ y~nLvojOyq]\ÿ,V RIy]RIy]RI mLËV yopL yop°t]¤ j]ép]ÖÐ
KqO Nk}&SWæLx¡ \L¡²V mLiWoLWOÐfLeV;
(ii) m]¤ R\áRÕŸfOU WOa]ê]W BpfOoLp \L¡²OWtORa JRfË]sOU nLYU C¢ð£V CIURIW¥
NkWLqU AaÖvL¢ AjOvh]¨RÕaLf]q]ÖWpOU, A¾q¾]sOç nLYU keU AaSàºfLp f}pf]p]¤
AaàLRf vq]WpOU R\pÅL¤, Af]jOSo¤ ks]w, y¡vÿ}yV \L¡²V, SsãV SkRo£V \L¡²V IÐ]v, \ŸU VI
¤ RWLaO¾]q]ÖÐ j]q¨]sOU q}f]p]sOU mLiWoLWOÐfLeV.
(iii) RNWc]ãV WL¡c]SÓ¤ C¢ð£V CIURI yTWq|U j]sv]¤ fLRu RWLaO¾]q]ÖÐ vL°sOW¥¨V
sn|oLeV, AfLpfV,
(I) vLe]^| òLkj°t]¤j]ÐOç kOf]p vL°sOW¥;
(m]) RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]sPRa oLãU vqO¾RÕŸ vLe]^|
òLkj°t]¤j]ÐOç SjqR¾ ja¾]p vL°sOW¥;
(iv) WL¡cV AUY¾]jV C¢ð£V CIURI yTWq|U RIy]RIy]RI mLË]R£ kP¡¹
v]Sv\jLi]WLqNkWLqU sn|oLeV. CT yTWq|U fLRu RWLaO¾]q]ÖÐvàV sn|oLeV:
(I) RIy]RIy]RI mLËV j]ép]ÖÐ yopS¾ÖU vLe]^| òLkj°t]sOU;
(m]) C¢ð£V CIURIWtORa ks]w j]q¨V KLSqL WL¡cV AUY¾]jOU W\ÿva¨LqjOU Svº]
RIy]RIy]RI mLËV NkSf|WU j]ép]ÖÐ fq¾]sLp]q]ÖU.
(y]) oO¢WP¡ AaSàº fOW, NaL¢yLƒ¢ l}yV fOW, C¢ð£V CIURIWtORa keoavV WLsU, oãV
keoavV v]vq°¥ IÐ]v KLSqL WL¡cV AUY¾]jOU W\ÿva¨LqjOU Svº] RIy]RIy]RI mLËV
NkSf|WU j]ép]ÖÐ fq¾]sLp]q]ÖU. C¢ð£V CIURI yTWq|U m]y]jôV WL¡cV, SWL¡ÕSrãV
WL¡cV, CIURI WL¡cV, ASoq]¨¢ IWõNV kôV WL¡cV IÐ]vàV sn|osæ.
XVI) KLSŸL Rcm]ãV Rly]s]ã]
WL¡cV AUY¾]jV WL¡cV WOa]ê]WW¥ AaÖÐf]ÐV KLSŸL Rcm]ãV yTWq|U
NkSpL^jRÕaO¾LvOÐfLeV. KLSŸL Rcm]ãV yTWq|U NkSpL^jRÕaO¾OSÒL¥ WL¡cV AUY¾]R£
mLËV A¨Tº]¤ (Af]R£ v]whLUw°¥ RIy]RIy]RI mLË]ÐV sn|oLS¨ºfLeV) So¤Õr´
fOW, WL¡cV AUY¾]jV Ap\ÿORWLaO¾ SðãVRo£]¤ yP\]Õ]ŸOç keU AaSàº f}pf]p]¤, Rcm]ãV
R\áOÐfLeV. IÐL¤, keU AaSàº f}pf] KqO NkvQ¾] (m]y]jôV) h]vyoLp]q]ëU,
AsæL¾kƒU, AaO¾ NkvQ¾] h]vy¾]¤ mLËV A¨Tº]¤ Rcm]ãV R\áOÐfLeV. keU AaSàº
f}pf]p]¤ So¤Õr´ mLËV A¨Tº]¤ of]pLp fOW CsæLRf vqOÐkƒU WL¡cV AUYU, WL¡cV
WOa]ê]WàO kOrSo mLiWoLp]ŸOç IsæL \L¡²OWtOU AaàL¢ mLÈ|òjLp]q]ÖU. WL¡cV AUYU
RIy]RIy]RI mLË]jV Rcm]ãV yTWq|U NkSpL^jRÕaO¾L¢ Svº] yo¡Õ]\ÿ v]whLUw°¥ IsæLU
wq]pOU kq]kP¡¹vOoLReÐV WL¡cV AUYU yÚf]ÖWpOU ò]q}Wq]ÖWpOU R\áOÐO. AkP¡¹SoL
RfãLpSfL Bp v]vq°¥ WLqe¾LSsL oRãRÍË]sOU WLqe¾LSsL KLSŸL Rcm]ãV CakLaV
RRvWOWSpL ARsæË]¤ ls¾]¤ vqO¾L¢ yLi]¨LRf vqOWSpL R\áOÐkƒU RIy]RIy]RI
18
mLËVV Af]jV mÈ|òoLp]q]ÖWp]sæ. Af]jO kOrSo, WL¡cV AUY¾]R£ mLË]Rj RIy]RIy]RI
mLË]R£ Skq]¤ Cx|O R\pÅ]ŸOç KLSŸLRcm]ãV j]¡SÇwR¾Ör]\ÿV Ar]p]ÖÐf]jOU, WPaLRf NkñOf
mLËV A¨TºV RIy]RIy]RI mLË]R£ oO¢WP¡ yÚfo]sæLRf SWæLôV R\áLf]q]ÖÐf]jOU WL¡cV
AUYU yÚf]ÖWpOU DaÒa] R\áOWpOU R\áOÐO. A¾qU j]¡Çw°¥ RIy]RIy]RI mLË]R£
SqXLoPsoOç yÚfU WPaLRf k]¢vs]¨L¢/rÇL¨L¢ yLi]ÖÐfsæ.
XVII. oa°]p Sko£OW¥
R\¨V ARsæË]¤ oSãRfË]sOU SkRo£V C¢yVNaRo£OW¥, ARsæË]¤ fR£ WL¡cV WOa]ê]WW¥
AaàOÐf]jLp] WL¡cV AUYU j¤W]p j]¡SÇwU oLj]¨RÕaOÐ]RsæË]¤, ARsæË]¤ AfV SNkLyôV
R\áL¢ Wu]pL¾f]jL¤ WL¡cV AUY¾]jV f]q]\ÿO RWLaOS¨ºfLp] vqOÐO IË]¤, WL¡cV
AUY¾]Rjf]Rq j]pojaka]W¥ BqUn]¨L¢ Dç AvWLwU RIy]RIy]RI mLË]jV
DºLp]q]ÖÐfOU, Af]R£ kP¡¹ v]Sv\Li]WLq NkWLqU l}yV CTaLÖÐfOU, KÕU/ARsæË]¤
fL¤¨Ls]WoLp]/ò]qoLp] WL¡cV rÇLÖÐfOoLeV. Af]jO kOrSo, R\¨V oa°]pf]R£ \L¡²OWtOU,
SsãV SkRo£V \L¡²OWtOU, RIy]RIy]RI mLËV j]ép]ÖÐ oãO \L¡²OWtOU j¤WL¢ WL¡cV
AUYU mLÈ|òjLp]q]ÖÐfOoLeV.
XVIII. f¡¨°¥
RIy]RIy]RI mLË]jV keU j¤WOÐf]jO Svº] sn]\ÿ JRfË]sOU \L¡²V yæ]ÕV, ARË]¤ keU
j¤WOÐf]jO Svº]pOç oãV ASkƒW¥, A¾q¾]sOç \L¡²V yæ]ÕOWt]¤ ARsæË]¤ oãV
ASkƒWt]¤ SqXRÕaO¾]p]ŸOç \L¡²V WL¡cV AUYU wq]ÖU vqO¾]pvpLeV IÐf]jOç
AÍ]ooLp Rft]vLp]q]ÖÐfLeV. AfRsæË]¤, RNWc]ãV WL¡cV jìRÕaOWSpL, SoLì]¨RÕaOWSpL,
vµjLkqoLp] hOqOkSpLYU R\áRÕaOWSpL R\áOWpOU, ASfÖr]\ÿV Cv]Ra oOWt]¤ \ŸU IX ¤
RWLaO¾]q]ÖÐ q}f]p]¤ Ar]p]ÖWpOU R\pÅ]q]ëU. AfV Rft]p]ÖÐf]jOç mLÈ|fpOU WL¡cV
AUY¾]S£fLp]q]ÖU. keU j¤WOÐf]jO Svº]pOç oãV ASkƒW¥ IÐV Cv]Ra
kqLo¡w]\ÿ]q]ÖÐf]¤ WL¡c]¤ AjOvh]\ÿ]ŸOç R\svOWtOoLp] mÌRÕŸV KqO WL¡cV Dao KqO
vLe]^| òLkj¾]¤ WL¡cV DkSpLY]\ÿV vqO¾]p]ŸOçfOU, KqO \L¡^V Bp]
SqXRÕaO¾]p]Ÿ]sæL¾fOoLp IsæL R\svOWtOU D¥RÕaOÐO. A¾qU \L¡²V yæ]ÕOWt]¤ Dç WL¡cV
AUY¾]R£ WRáLÕOU Avp]¤ SqXRÕaO¾]p]ŸOç WL¡cV jÒqOU WL¡cV AUYU vqO¾]v\ÿ
mLÈ|fRp yUmÌ]\ÿ AÍ]ooLp Rft]vLp]q]ÖÐfLeV. RIy]RIy]RI mLË]R£ 24&oe]¨P¡
Wðo¡ RWp¡ Ry£¡/C¢l]j]ã] vu] yTWq|°¥ NkSpL^jRÕaO¾]p WLq|¾]¤, RIy]RIy]RI
mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£¡/C¢l]j]ã]p]Ss¨V NkSvw]ÖÐf]jOç Ik]RII¢/
kLôVSv¡cV/pPy¡&RIc] IÐ]vpORa DkSpLYU WL¡cV AUYU CakLaO ja¾] IÐf]jOç
AÍ]ooLp Rft]vLp]q]ÖÐfLeV. WL¡cV AUY¾]jV ApL¥ vL°]p yLij°¥/Syvj°¥ wq]ÖU
sn]ÖWpOºLSpL IÐV DrÕO vqOS¾º Bvw|U RIy]RIy]RI mLË]j]sæ. SðãVRo£]¤
yP\]Õ]ŸOçfLp JRfË]sOU KqO \L¡²]R£ WLq|¾]¤ WL¡cV AUYU v]SpL^]ÖÐO IË]¤ AfV
SðãVRo£V sn]\ÿf]jO SwxU 60 (ArOkfV) h]vy°¥Öç]¤ RIy]RIy]RI mLË]Rj
Ar]p]\ÿ]q]S¨ºfOU Af]¤ v}uV\vqOÐ kƒU SðãVRo£]¤ yP\]Õ]ŸOç \L¡²OW¥ IsæLU
wq]pLp]ŸOçfLReÐV v|LX|Lj]¨RÕaOÐfOoLeV.
XIX. yOqƒ]ff~U
KqO RySW|¡cV RNWc]ãV WL¡c]R£ WLq|¾]¤, WL¡cV A¨Tº]Rs oOuOv¢ WOa]ê]W fOWpOU KÕU
WOa]ê]WpOç JRfË]sOU WL¡cV CakLaOWtOU KÕU ks]wpOU oRãsæL R\svOWtOU, Cv]Ra fLRu
kqLo¡w]\ÿ]ŸOç \L¡²OWtOU yz]fU ls¾]¤ vqO¾] IË]sOU WL¡cV AUYU RNWc]ãV WL¡cV
DkSpLY]\ÿ WLspstv]¤ Av WL¡cV A¨Tº]¤ \L¡²V R\áRÕŸ]Ÿ]sæ IË]¤, WL¡cV AUYR¾
kepRÕaO¾¤/A¾qU RyW|Pr]ã]WtORa kepU/ò]qj]Sƒk°¥/WL¡cV AUY¾]R£ oLNfU
Skq]sOçSfL, WPŸLSpL, oSãRfË]sOU v|©]SpLRaLÕSoL ARsæË]¤ oPÐLU Wƒ]pORa Skq]sOçSfL
Bp RyW|Pq]ã]WStL, RIy]RIy]RI mLËV j]¡SÇw]ÖÐ qPk¾]sOU q}f]p]sOU RIy]RIy]RI
mLËV AUY}Wq]\ÿfLp Bñ]W¥ oOSXj yOqƒ]foL¨RÕaOÐfLeV. WL¡cV AUYU RIy]RIy]RI
mLËV j]¡SÇw]ÖÐ qPk¾]sOU q}f]p]sOU RIy]RIy]RI mLË]jV fQkÅ]WqoLp v]i¾]sOU
A¾q¾]sOç IsæL SqXWtOU RyW|Pq]ã] DºL¨LjLp] jaÕLS¨ºfLeV. RyW|Pq]ã] DºLÖÐf]jOU
19
oRãsæL jaka]NWo°tOU kP¡¾]pLÖÐf]jOU Svº]vqOÐ R\svOW¥, ðLÒV c|PŸ] D¥RÕRapOçfOU
IÐL¤ Af]¤ oLNfU KfO°L¾OoLp, IsæLU WL¡cV AUYU vz]S¨ºfLeV.
XX. SwXqeU
WL¡cV AUY¾]R£ kP¡¹oLp AkLpyLÈ|fp]sOU R\sv]sOU, KSÐL Af]si]WSoL v|©](W¥)WRt
WL¡cV AUY¾]R£ WOa]ê]WW¥ SwXq]¨LjOU KÕU/ARsæË]¤ WL¡cV AUYU sn|oL¨]p JfV
RyW|Pq]ã]p]sOU jaÕ]sL¨LjOU Svº] RIy]RIy]RI mLËV \OofsRÕaO¾OÐfLeV. A¾q¾]sOç
v|©](W¥)¨V RIy]RIy]RI mLËV (A¾q¾]sOç DSÇw°¥¨V Svº]) WL¡cV AUYvOoLp]
mÌRÕŸ v]vq°tOU vñOfWtOU WeÖWtOU RIy]RIy]RI mLË]jV D\]fRoÐV SfLÐOÐ
RyW|Pq]ã]pORa v]vq°tOU j¤W]Sp¨LU. WPaLRf, RIy]RIy]RI mLË]jV D\]fRoÐV SfLÐOÐ
IsæL NkvQ¾]WtOU, DaÒa]WtOU, AfOoLp] mÌRÕŸ v]xp°tOU WLq|°tOU, ARsæË]¤
pLhQé]WoLp]ŸOç WLq|°tOU R\áOÐf]jOU, jaÕ]sLÖÐf]jOU Svº AvWLwvOU Ai]WLqvOU
RIy]RIy]RI mLËV A¾qU v|©](W¥)¨V j¤W]Sp¨LvOÐfOoLeV.
XXI. yLij°tORapOU Syvj°tORapOU YOeSoÓ
RIy]RIy]RI mLËV JRfË]sOU v]i¾]¤ yLij°¥, yLij°tORa vLr£], ARsæË]¤
vLe]^|òLkj°t]¤ j]ÐOU WL¡cV AUYU vL°]p ARsæË]¤ y~}Wq]\ÿ Syvj°¥ oOfsLpvSàL,
A¾qU Syvj°tORa Rcs]vr]p]¤ DºLWOÐ RRvW¤, Rcs]vr] j¤WLf]q]¨¤, yLij°¥
W]ŸLRf SkLW¤, fWqLrOç yLij°¥ WL¡cV AUY¾]jV sn]¨¤ oOfsLpv D¥RÕRapOç
WLq|°¥S¨L RIy]RIy]RI mLËV D¾qvLh]pLp]q]¨]sæ. RNWc]ãV WL¡cV WL¡cV AUY¾]jV
yLij°¥ vL°OÐf]SjL KÕU/ARsæË]¤ Syvj°¥ y~}Wq]ÖÐf]SjL oLNfoOç KqO
yTWq|oLReÐ vñOf NkSf|WU ojô]sL¨]p]q]S¨ºfLeV. yLiLj°tORa YOej]svLq¾]SjL,
Rcs]vr]S¨L, oRãRÍË]sOU WLq|°¥S¨L RIy]RIy]RI mLËV pLRfLqO vLrº]pOU j¤WOWSpL
NkLf]j]i|U vz]ÖWSpL R\áOÐ]sæ. yLiLj°Rt yUmÌ]\ÿ JfV f¡¨vOU WL¡cV AUYvOU
vLe]^| òLkjvOU fÚ]¤ kq]zq]S¨ºfLeV. AvWLwvLh°StL ARsæË]¤ f¡¨SoL j]sj]¤ÖÐO
IÐfV WL¡cV AUYR¾ RIy]RIy]RI mLË]jV RWLaO¨LjOç IsæL \L¡²OWtOU AaàOÐf]jOç
Waop]¤j]ÐOU oO©jLÖÐ]sæ. A¾qU \L¡²OW¥ WQf|oLp] AaàOvL¢ WL¡cV AUYU
yÚf]ÖWpOU R\áOÐO.
XXII. RNWc]ãV CakLaV
KqO vL°s]R£ Rcm]ãOU k]Ð}aOºLWOÐ yLij¾]R£/Syvj¾]R£ rÇV R\ás]jOç RNWc]ãOU qºV
v|f|ñ CakLaOWtLeV. WL¡cV AUYU yLijU vL°]p CakLa]jV AfV SðãVRo£]¤
WLeOÐfOSkLRsfRÐ j]¡mÿÌoLpOU keU AaSàºfV JRfË]sOU Ai]W \L¡²OW¥ \Oo¾OÐfV
Ku]vL¨L¢ Af|Lvw|oLeV. W|L¢y¤ R\áOSÒL¥ keU f]q]RW W]Ÿ]p fOW (W|L¢ySsx¢ \L¡²V
WOr\ÿf]jO SwxU) WL¡cV A¨Tº]¤ RNWc]ãV R\áOÐfV RIy]RIy]RI mLË]jV sn]ÖSÒL¥
oLNfoLp]q]ÖU.
IÐL¤, WL¡cV AUYU v]^pWqoLp] RNWc]ãV \L¡²V yæ]ÕV yo¡Õ]\ÿL¤, B fOW RNWc]ãV WL¡cV
A¨Tº]¤ S\¡ÖÐfLeV. j|LpoLp yop¾]jWU fOW RNWc]ãV WL¡cV A¨Tº]¤ S\¡¾]Ÿ]RsæË]¤
WL¡cV AUYU RIy]RIy]RI mLË]Rj v]vqU Ar]p]S¨ºfLeV.
XXIII. v]Shw qL^|°t]¤ DºLÖÐ \L¡²OW¥
WL¡cV AUYU NkX|Lk]ÖÐfV IRÍÐL¤, ASÇz¾]jV Cx|O R\pÅ]ŸOç RNWc]ãV WL¡cV v]Shw
qL^|°t]¤ DkSpLY]ÖWpLReË]¤ W¡wjoLpOU B¡m]RI yopL yop°t]¤ kOrRÕaOv]ÖÐfOU
SnhYf] R\áOÐfOU Nky©vOoLp v]j]op j]pNÍe \Ÿ°¥ AjOyq]\ÿO oLNfSo
DkSpLYRÕaO¾OWpOçO. WL¡cV AUYU B¡m]RIpORa v]j]op j]pNÍe oL¡«SqXW¥ NkWLqU
A¡zfRÕŸ]ŸOçvàÕOrU WaÖÐfLp yLz\q|¾]¤, WL¡cV AUYU B WLq|U DaRj fRÐ
RIy]RIy]RI mLË]R£ èÈp]¤ SqXLoPsU RWLºOvSqºfLeV. A¾q¾]¤ DºLp]ŸOç
JRfË]sOU \L¡²OW¥ B¡m]RI v|vòW¥ NkWLqU kLSy×L¡Ÿ]¤ SqXRÕaOS¾º Bvw|U
DRºË]¤, Af]SsàLp] kLSy×L¡ŸV I¾]\ÿV SqXRÕaOS¾º mLÈ|f WL¡cV AUY¾]S£fLeV.
B¡m]RI Cr¨]p j]sv]sOçfLp v]j]op j]pNÍe oL¡«SqXW¥ kLs]ÖÐf]¤ WL¡cV AUYU
v}uV\ vqO¾]pL¤, yopL yop°t]¤ SnhYf] R\áRÕŸ j]sp]sOç 1999Rs SlLr]¢ IWõSV \µV
20
oLSj^VRo£V BW›]jO W}u]Rs JfV jaka]ÖU B v|©] mLÈ|òjLp]q]ÖÐfOU WPaLRf WL¡cV
yTWq|°tORa sn|fp]¤j]ÐOU KÐOW]¤ RIy]RIy]RI mLË]R£SpL ARsæË]¤ B¡m]RIpORaSpL
Bvw|NkWLqU fapRÕaOÐfOoLeV. B¡m]RI WLsLWLs°t]¤ kOrRÕaOv]ÖÐ oL¡«SqXW¥
j]ép]ÖÐ v]ShwjLe| v]j]op BjOWPs|°¥ or]WaÖÐf]R£ Skq]¤, WL¡cV AUYU fR£
BjOWPs|°¥ or]WaÖÐO IÐ WLq|U RIy]RIy]RI mLËV Ar]pOÐ yLz\q|¾]¤,
v]yÚf]ÖÐfLp KqO \L¡²]R£ lsoLp] Sjq]SŸL AsæLRfSpL DºLWOÐ JRfË]sOU jì¾]SjL
jLw¾]SjL RIy]RIy]RI mLËV pRfLqO v]i¾]sOU mLÈ|òoLp]q]¨]sæ. CÍ|¢ qPk
AsæLRfpOç jLep¾]¤ KqO CakLaV ja¾RÕaOWpLReË]¤, B CakLaV CÍ|¢ qPkp]Ss¨V
oLãRÕaOÐfLeV. B oLãRÕa¤ jaÖÐfV B CakLaV RIy]RIy]RI mLËV f}¡ÖÐ h]vy¾]¤
Bp]q]ÖU. AfV KqOkSƒ B CakLaV jaÐ ASf h]vyUfRÐ Bp]q]ÖWp]sæ. CakLaV jaÐfV pOIyV
ScLtr]¤ ARsæË]¤, B CakLa]Rj Bh|U pOIyV ScLtr]Ss¨V oLãOWpOU k]Ð}aV pOIyV ScLtr]sOç
fOWRp CÍ|¢ qPkp]Ss¨V oLãOWpOU R\áOÐfLeV. NkLms|¾]sOç j]poU KqO j]é]f j]q¨V
j]¡vÿ\]\ÿ]Ÿ]RsæË]¤, pOIyV ScLtr]¤ j]ÐOU CÍ|¢ qPkp]Ss¨V oLãU R\áRÕaOÐ j]q¨V AfV
ja¾RÕaOÐ f}pf]p]¤ v]y, oLð¡WL¡cV, ARoWõV IÐ] j¤WOÐ j]q¨V AjOyq]\ÿV Bp]q]ÖU.
A°RjpOç CakLaOWt]¤ KqO Wr¢y] W¦Sv¡x¢ lLW›¡ AôôVRo£]R£ (j]sv]¤ 2.50%) v¡Èj
DºLWOÐfLeV.
XXIV. RIy]RIy]RI mLËV RNWc]ãV WL¡c]R£ Nkf]ls°¥:
RIy]RIy]RI mLËV WL¡cV AUY°¥¨V fLRuÕrpOÐ RNWc]ãV WL¡cV r]vL¡cV SkLp]£V yVW}oOW¥
KLl¡ R\áOÐO:
1) ""IWõVNkôV yVW}U'' IÐL¤ A¡ÀU RIy]RIy]RI mLË]R£ r]vL¡cV Ø}U IÐLeV.
· IWõNV kôV yVW}o]jOç]¤ ""IWõNV kôV r]vL¡cV SkLp]£OW¥'' yÚLj]¨RÕaOÐfLeV.
2) ""RI&o]£V yVW}U'' IÐL¤ A¡ÀU RIy]RIy]RI mLË]R£ RI&o]£OoLp] S\¡ÐOç r]vL¡cV
Ø}U IÐLeV.
· RI&o]£V yVW}o]jOç]¤ ""RI&o]£V r]vL¡cV SkLp]£OW¥'' yÚLj]¨RÕaOÐfLeV.
· ""RI&o]£V'' IÐfORWLºV Nkf]kLh]ÖÐfV SsLp¤ã] RyLs|Px¢yV B£V r]y¡\ÿV s]o]ãcV
(""I¤IyVB¡I¤'')Rj BeV. CfV WÒj}yV BW›,V 1956 NkWLqU RI&o]£V IÐ NmL¢cV
jLoS¾LaOWPa] òLk]¨RÕŸ KqO WÒj]pLeV. Af]R£ q^]Sð¡cV KLl}yV v]sLyU SlæLr¢yV, R^.I¤.
RjzVrO SrLcV, vS¨Lt, yLÍLNWPyV (CTðV), oOURRm 400055 BeV (Cf]jO SwxU
""I¤IyVB¡I¤''IÐV Nkf]kLh]¨RÕaOU, Af]R£ Nkf]kLh|¾]¤, v]xp¾]SjL Dça¨¾]SjL
v]qOÈoRsæË]¤, Af]R£ AjÍqLvWLw]WtOU \Oofs¨LqOU D¥RÕaOÐO).
· ""RI&o]£V WL¡cV'' IÐL¤ I¤IyVB¡I¤ j]¡vÿ\]ÖÐ j]mÌjW¥ÖU v|vòW¥ÖU
v]SipoLp] RI&o]£V r]vL¡cV SkLp]£OW¥ r]c}U R\áOÐf]jLp] I¤IyVB¡I¤ Cx|O R\áOÐ
WL¡cV IÐV A¡ÀoLÖWpOU D¥RÕaOWpOU R\áOÐO.
· ""RI&o]£V AUYU'' IÐL¤ A¡ÀU KqO WL¡cV RRWvwoOçfOU RI&o]£V RvmVRRyã]¤
j]¡SÇw]\ÿ]ŸOç j]mÌjW¥ÖU v|vòW¥ÖU v]SipoLp] RI&o]£]¤ q^]ð¡ R\pÅ]ŸOçfOoLp
KqO v|©] IÐLeV.
oOWt]¤kr´ RIy]RIy]RI mLË]R£ RNWc]ãV WL¡cV r]vL¡cV SkLp]£V yVW}oOWt]¤, fLRu
RWLaO¾]q]ÖÐ kh°¥¨V AvàV j¤WRÕŸ]q]ÖÐ A¡ÀoLp]q]ÖU DºLp]q]ÖW, If]¡ DSÇw|U
WLeRÕaL¾kƒU:
· ""c]s]¢W~£V A¨TºV'' IÐf]R£ A¡ÀU keU AàOÐf]jOç \Ÿ NkWLqU keoa\ÿ]Ÿ]sæL¾ KqO
A¨TºV IÐLeV.
· ""IlWVa}vV ScãV'' IÐf]R£ A¡ÀU IWõNV kôV Ø}U ARsæË]¤ RI&o]£V yVW}U BqUn]ÖÐ f}pf]
IÐLeV. AfV RIy]RIy]RI mLËV yopL yop°t]¤ WL¡cV AUYR¾ Ar]p]ÖÐ NkWLqU
Bp]q]ÖU. IË]sOU, DkSnL©Lv]jV RI&o]£V yVW}o]jO W}u]sOç BjOWPs|°¥ sn]ÖÐfV
RI&o]£]¤ q^]ð¡ R\áOÐ f}pf] oOf¤ oLNfoLp]q]ÖU.
21
· ""Ø}U Ra¡o]Sjx¢ ScãV'' IÐf]R£ A¡ÀU IWõNV kôV Ø}U ARsæË]¤ RI&o]£V yVW}U
RIy]RIy]RI mLËV Af]R£ kP¡¹oLp v]Sv\jLi]WLq NkWLqU AvyLj]Õ]ÖÐ f}pf]
IÐLeV.
· ""vLs]cV \L¡²V'' IÐf]R£ A¡ÀU WL¡cV AUYU yLij°StL Syvj°StL WL¡cV vu]
vL°OÐf]sPRa vqO¾]p \L¡²OU KÕU IWõNV kôV Ø}U ARsæË]¤ RI&o]£V Ø}o]R£ DSÇw|¾]Ss¨Lp]
yopL yop°t]¤ RIy]RIy]RI mLËV D¥RÕaO¾]Sp¨LvOÐ oãO \L¡²OWtOU IÐLeV.
· RIy]RIy]RI mLËV KLl¡ R\áOÐ JRfË]sOU RNkLSoLxe¤ yVW}o]R£ WLsptv]¤ WL¡c]R£
DkSpLYU k]¢vs]¨RÕaOWSpL, W|L¢y¤ R\áRÕaOWSpL, W|L¢y¤ R\áRÕaL¢
mLÈ|òoLWOWSpL, WL¡cV A¨Tº]Rj c]s]¢W~£V A¨TºLp] We¨L¨RÕaOWSpL
R\áOÐkƒU, RNkLSoLx¢ WLsptv]¤ KLl¡ R\áRÕaOÐ yÚLjU/c]yV¨TºV/W|LxVmLWV
oOfsLpv SkLsOçfOU IÐL¤ Av oLNfoLp] kq]o]fRÕaL¾fOoLp JRfË]sOU KLl¡/BjOWPs|U B
WL¡cV AUY¾]R£ WLq|¾]¤ Da¢fRÐpOU y~SoipLpOU W|L¢y¤ R\áRÕŸfLp] WqOfRÕaOÐfLeV.
· ""Bj]SvuVyr] Cp¡'' IÐL¤ A¡ÀU KqO WL¡cV Cx|O R\pÅ f}pf] oOfsOç kNÍºV oLy°tOU
Af]jO SwxoOç KLSqL kNÍºV&oLy WLsptvOWtOoLeV.
1) IWõVNkôV yVW}o]jO mLiWoLWOÐ j]mÌjWtOU v|vòWtOU:
· IWõNV kôV yVW}U WL¡cV IlWVa}vV f}pf] oOf¤ NkLms|¾]¤ vqOÐfOU, IlWVa}vV f}pf] oOfsOU
Af]jO SwxvOU RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ RNWc]ãV WL¡cV DçvqOoLp WL¡cV
AUY°¥¨V oLNfU sn]ÖÐfOoLeV.
· IWõNV kôV yVW}o]jO W}u]¤, RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ RNWc]ãV WL¡c]¤ WL¡cV
AUYU ja¾OÐ yLiOfpOç \L¡²OW¥¨V RIy]RIy]RI mLËV IWõNV kôV r]vL¡cV SkLp]£OW¥
yÚLj]ÖÐfLeV.
IWõNV kôV r]vL¡cV SkLp]£OW¥ SjaOÐf]jOç yUv]iLjU r]vL¡cV SjaOÐf]jOç KqO Bj]SvuVyr]
CTp¡ Zaj k]ÍOaqOÐfLeV.
· IWõNV kôV yVW}o]jO W}u]¤ KqO WL¡cV AUYU SjaOÐ r]vL¡cV SkLp]£OW¥ WL¡cV AUY¾]jV ApàOÐ
Nkf]oLy SðãVRo£]¤ yP\]Õ]ÖÐfLeV.
· yopL yop°t]¤ RIy]RIy]RI mLËV j¤WOÐ r]cUkVx¢ KLl¡ NkWLqU WL¡cV AUY¾]jV
ASÇz¾]R£/AvqORa yoLzq]\ÿ IWõNV kôV r]vL¡cV SkLp]£OW¥ Af]SsàV r]c}U R\áLvOÐfLeV.
· IWõNV kôV r]vL¡cV SkLp]£OW¥ r]c}U R\pÅOWu]pOSÒL¥ A°]Rj r]c}U R\pÅfLp r]vL¡cV
SkLp£OW¥ y~SoipLfRÐ yoLzq]¨RÕŸ IWõNV kôV r]vL¡cV SkLp]£OWt]¤ j]ÐOU WOràRÕaOWSpL
Rcm]ãV R\áRÕaOWSpL R\áOÐfLeV.
· yVW}U AvyLj]ÖÐ f}pf]Ö oOÒV JRfË]sOU yop¾V WL¡c]R£ DkSpLYU
k]¢vs]¨RÕaOWSpL rÇL¨RÕaOWSpL rÇL¨L¢ mLi|fRÕaOWSpL, ARsæË]¤ c]s]¢W~]£V
A¨TºLp] WqOfRÕaOWSpL R\pÅL¤, ASÕL¥ WL¡cV AUY¾]R£ RNWc]ã]¤ Dç IsæL IWõNV kôV
r]vL¡cV SkLp]£OWtOU, ASÕL¥fRÐ ls¾]¤ y~SoipL rÇLpfLp] WqOfRÕaOÐfLeV.
· A°Rj rÇL¨RÕŸ IWõNV kôV r]vL¡cV SkLp]£OW¥ WL¡cV AUYU RIy]RIy]RI mLË]sOç
ASÇz¾]R£/AvqORa AUYf~U kOj:òLk]\ÿL¤ SkLsOU WL¡cV A¨Tº]¤ f]q]RW RNWc]ãV
R\áRÕaOWp]sæ.
· CT SNkLNYLU IsæL RNWc]ãV WL¡cOW¥ÖU 3 v¡xR¾ vLs]c]ã]pOç SkLp]£OWStLaO WPa]p KqO
IWõRV Rkq] yUv]iLjU k]ÍOaqOÐfLeV. WL¡cV AUYf~¾]R£ 1&LU, 2&LU, 3&LU v¡x°t]¤ SjaOÐ
SkLp]£OW¥, Av r]c}U R\áRÕaL¾kƒU, WL¡cV AUYf~¾]R£ 3&LU v¡xU AvyLj]\ÿO Wu]´V
60 h]vy°¥¨WU CsæLRfpLWOÐfLeV. WL¡cV AUYf~¾]R£ 1&LU v¡xU WL¡cV Cx|O R\áOÐ
f}pf]p]¤ BqUn]ÖÐfLeV. DhLzqe¾]jV, 10 oL¡\ÿV 2007¤ Cx|O R\áRÕaOÐ KqO WL¡c]jV, 10
oL¡\ÿV 2010 oOf¤ 10 oL¡\ÿV 2013 vRq SjaOÐ r]vL¡cV SkLp]£OW¥, Av r]c}U R\áRÕaL¾kƒU,
10 RopV 2013jV CsæLRfpLWOÐfLeV.
22
· yVW}U AvyLj]ÖÐ f}pf]pORa KaOv]¤, WL¡cV AUY¾]R£ RNWc]ã]¤ j]¤ÖÐ IWõNV kôV
r]vL¡cV SkLp]£OW¥ j]é]f yop¾]jOç]¤ r]c}U R\áL¾kƒU Av y~SoipL sLkVyV
BWOÐfLeV.
· Cv]Ra v]vq]\ÿ]ŸOç IWõNV kôV yVW}o]R£ j]mÌjW¥ÖU v|vòW¥ÖU kOrSo,
RIy]RIy]RI mLË]R£ r]vL¡cVyV mO¨VRsã]¤ v]vq]\ÿ]ŸOç v|vòWtOU WL¡cV AUYR¾
nq]ÖÐfLeV. r]vL¡cVyV mO¨VRsã]R£pOU Ac}xe¤ j]mÌjWtORapOU v|vòWtORapOU KqO
SWLÕ] WL¡cV AUY¾]jV ASkƒ]ÖSÒL¥ sn]ÖÐfLeV.
2) RI&o]£V yVW}o]jO mLiWoLWOÐ j]mÌjWtOU v|vòWtOU:
· RI&o]£V yVW}U WL¡cV IlWVa}vV f}pf] oOf¤ NkLms|¾]¤ vqOÐfOU, IlWVa}vV f}pf] oOfsOU
Af]jO SwxvOU RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ RNWc]ãV WL¡cV DçvqOoLp WL¡cV
AUY°¥¨V oLNfU sn]ÖÐfOoLeV.
· RI&o]£V yVW}o]jO W}u]¤, RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ RNWc]ãV WL¡c]¤ WL¡cV
AUYU ja¾OÐ yLiOfpOç \L¡²OW¥¨V RIy]RIy]RI mLËV RI&o]£V r]vL¡cV SkLp]£OW¥
yÚLj]ÖÐfLeV.
· RI&o]£V yVW}o]jO W}u]¤ KqO WL¡cV AUYU SjaOÐ r]vL¡cV SkLp]£OW¥ WL¡cV AUY¾]jV ApàOÐ
Nkf]oLy SðãVRo£]¤ yP\]Õ]ÖÐfLeV.
· WL¡cV AUY°¥¨V AvqORa RI&o]£V r]vL¡cV SkLp]£OW¥, Av¡ KqO RI&o]£V AUYoLp]
oLr]pf]jO SwxvOU, RI&o]£V r]vL¡cV WLãSsLY]¤ sn|oLp]ŸOç CjU(°¥) vL°OÐf]jLpOU oLNfU,
r]c}U R\áL¢ yLi]ÖÐfLeV. Cf]R£ v]wh v]vq°¥ I¤IyVB¡I¤ RI&o]£V AUY°Rt
Ar]p]ÖÐfLeV. ARsæË]¤ CSfÖr]\ÿOç WPaOf¤ v]vq°¥ÖU, KqO RI&o]£V AUYoLWOÐf]jOU,
WL¡cV AUY°¥¨V RI&o]£V RvmVRRyãLp ''www.imintpoints.com'' yÎ¡w]¨LvOÐfLeV.
· RI&o]£V r]vL¡cV SkLp]£OW¥ r]c}U R\pÅOWu]pOSÒL¥ A°]Rj r]c}U R\pÅfLp r]vL¡cV
SkLp£OW¥ y~SoipLfRÐ yoLzq]¨RÕŸ RI&o]£V r]vL¡cV SkLp]£OWt]¤ j]ÐOU WOràRÕaOWSpL
Rcm]ãV R\áRÕaOWSpL R\áOÐfLeV.
· yVW}U AvyLj]ÖÐ f}pf]Ö oOÒV JRfË]sOU yop¾V WL¡c]R£ DkSpLYU
k]¢vs]¨RÕaOWSpL rÇL¨RÕaOWSpL rÇL¨L¢ mLi|fRÕaOWSpL, ARsæË]¤ c]s]¢W~]£V
A¨TºLp] WqOfRÕaOWSpL R\pÅL¤, ASÕL¥ WL¡cV AUY¾]R£ RNWc]ã]¤ Dç IsæL RI&o]£V
r]vL¡cV SkLp]£OWtOU, ASÕL¥fRÐ ls¾]¤ y~SoipL rÇLpfLp] WqOfRÕaOÐfLeV.
· A°Rj rÇL¨RÕŸ RI&o]£V r]vL¡cV SkLp]£OW¥ WL¡cV AUYU RIy]RIy]RI mLË]sOç
ASÇz¾]R£/AvqORa AUYf~U kOj:òLk]\ÿL¤ SkLsOU WL¡cV A¨Tº]¤ f]q]RW RNWc]ãV
R\áRÕaOWp]sæ.
· yVW}U AvyLj]ÖÐ f}pf]pORa KaOv]¤, WL¡cV AUY¾]R£ RNWc]ã]¤ j]¤ÖÐ RI&o]£V
r]vL¡cV SkLp]£OW¥ j]é]f yop¾]jOç]¤ r]c}U R\áL¾kƒU Av y~SoipL sLkVyV
BWOÐfLeV.
· RI&o]£V yVW}o]jO W}u]¤, Cv]Ra v]vq]\ÿ]ŸOç RI&o]£V yVW}o]R£ j]mÌjW¥ÖU
v|vòW¥ÖU kOrSo, RI&o]£V r]vL¡cV SkLp]£V r]UckVxjV I¤IyVB¡I¤ j]ép]\ÿ]ŸOç
v|vòWtOU WL¡cV AUYR¾ nq]ÖÐfLeV. WPaOf¤ v]vq°¥¨V hpvLp] www.imintpoints.com
yÎ¡w]ÖW. Cv]Ra v]vq]\ÿ]ŸOç v|vòW¥ÖU RI&o]£V RvmVRRyã]sOç v|vòW¥ÖU fÚ]¤
IRÍË]sOU RRvqOÈ|U WLeRÕaOÐkƒU, Cv]Ra v]vq]\ÿ]q]ÖÐf]jLp]q]ÖU NkLms|U. RI&o]£V
yVW}oOoLp] mÌRÕŸV IRÍË]sOU f¡Ü DaRsaOÖÐkƒU, AfV WL¡cV AUYvOU
I¤IyVB¤I¤&DU fÚ]¤, RIy]RIy]RI mLË]Rj pLRfLqO fq¾]sOU Nkf]kLh]¨LRfpOU
mLi]¨LRfpOU kq]zq]S¨ºfOU, A°Rj WL¡cV AUYvOU I¤IyVB¤I¤&DU fÚ]¤ RI&o]£V
yVW}o]jO W}u]¤ DºLWOÐ pLRfLqOv]i f¡¨°¥ÖU RIy]RIy]RI mLË]jV pLRfLqO mLÈ|fpOU
CsæL¾fOU BWOÐO.
23
fLRu RWLaO¾]q]ÖÐ j]mÌjWtOU v|vòWtOU IWõVNkôV yVW}o]jOU RI&o]£V yVW}o]jOU
KqOSkLRs mLiWoLWOÐfLe (Cf]jO SwxU KqOo]\ÿV ""yVW}oOW¥'' IÐOU KãàV ""mÌRÕŸ
yVW}U'' IÐOU Nkf]kLh]\ÿ]q]ÖÐO):
· mÌRÕŸ yVW}o]R£ IlWVa}vV f}pf]p]¤ c]s]¢W~]£V A¨TºOWtOç WL¡cV AUY°¥ÖU
yVW}oOWtORa WLsLvi]Öç]¤ c]s]¢W~]£V Bp] oLrOÐ A¨TºOWtOç WL¡cV AUY°¥ÖU
yVW}oOW¥ mLiWoLWOÐfsæ.
· RIy]RIy]RI mLËV Af]R£ kP¡¹ v]Sv\jLi]WLq NkWLqU WL¡cV AUY°¥¨V Ac}xe¤
r]vL¡cV SkLp]£OW¥ yÚLj]S\ÿ¨LU.
· yVW}oOW¥Ö W}u]¤ RIy]RIy]RI mLËV ja¾OÐ RNWc]ãV WL¡cV SkLp]£OWtORa WeÖWPŸ¤
AÍ]ovOU, AyÎ]YVÈvOU WL¡cV AUY¾]jOSo¤ mLiWvOU Bp]q]ÖU. oLNfosæ, pLRfLqOv]i
f¡¨°¥ÖU mLÈ|fRÕŸfLp]q]ÖWpOo]sæ.
· oOWt]¤ kr´ q}f]p]¤, WL¡cV AUYU mÌRÕŸ yVW}o]¤ ja¾]p r]vL¡cV SkLp]£OWtORa
r]cUkVx¢ WLqe¾L¤ DqO¾]q]pOWSpL DºLWOWSpL R\pVf, y¡¨Lq]SsS¨L JRfË]sOU Ai]WLq
SWNÎ°¥S¨L, j]pokqoLp] (SWNÎ, yUòLj ARsæË]¤ NkLShw]W) òLk]¨RÕŸ yUZ°¥S¨L
j¤SWºfLp]ŸOç JRfË]sOU j]WOf]WStL oãV mLi|fWStL \L¡²OWStL DRºË]¤, Av kP¡¹oLpOU
WL¡cV AUY¾]R£ D¾qvLh]¾oLp]q]ÖU.
· Cf]¤ Aa°]p]ŸOç pLRfLÐOU, yVW}o]R£ AvyLj]Õ]¨¤ f}pf]¨V SwxU yVW}oOW¥
fOaqOÐf]SjL, yVW}oOW¥Ö kWqoLp] yoLjSoL kOf]pSfL Bp KÐV BqUn]ÖÐf]SjL Dç
RIy]RIy]RI mLË]R£SpL RI&o]£]R£SpL mLÈ|fpLp] v|LX|Lj]¨L¢ kLa]sæ.
· yVW}o]Rs kRËaO¨¤ y~ÍU CìNkWLqU DçfOU, IsæL \L¡²OWtOU WL¡cV AUYU WL¡cV yLiLqe
j]sp]¤ DkSpLY]\ÿ]f]R£ lsoLp] y~SoipL vÐOS\¡ÐvpLp] We¨LÖÐfOoLeV.
WL¡cV AUYU RIy]RIy]RI mLË]Rj pLRfLqOv]i jaka]W¥ÖU AvWLw vLh°¥ÖU
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XXV. Rvt]RÕaO¾sOW¥
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AUYU keoaàOÐf]Rs ARsæË]¤ yLÒ¾]W yzLp¾]R£ Nk]¢y]Õ¤ fOW f]q]\ÿaàOÐf]SsL/
24
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AUY¾]jV Rvt]RÕaO¾]R¨LaO¨L¢ mLÈ|òoLp]q]¨]sæ.
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AUY¾]Rjf]Rq jaka]W¥ y~}Wq]¨L¢ RIy]RIy]RI mLË]jV kP¡¹oLp Ai]WLqoOºV. A¾qU
J¤Õ]¨¤, v]¤Õj ARsæË]¤ RRWoLãU IÐ]vpLsOç IsæL R\svOW¥ÖU KÕU WOa]ê]WWtORa
f]q]\ÿOk]a]¨s]jOç R\svOW¥ÖU WL¡cV AUYU mLÈ|òjLp]q]ÖÐfLeV.
XXVII. ksvW
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NkSf|W yTWq|°¥, AUYf~U, Syvj°¥ IÐ]v AjOSpL^|RoÐV f°¥¨V SfLÐOÐ q}f]p]sOç
l}yOWtOU v|vòWtOU j]mÌjWtOU yz]fU KLl¡ R\áLjOtt AvWLwU RIy]RIy]RI mLËV
j]sj]¡¾OÐOºV. WL¡cV AUYR¾ oO¢WPŸ] Ar]p]¨LRfpOU mLÈ|f WPaLRfpOU JfO yop¾OU
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RIy]RIy]RI mLËV j]sj]¡¾OÐOºV. v|vòWtOSapOU j]mÌjWtOSapOU sUZj¾L¤
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s]ðV v]Wy]Õ]¨L¢ DkSpLY]S\ÿ¨LvOÐfOU CfV RIy]RIy]RI mLËV, WL¡cV AUY°¥¨V
j¤WOÐ oL¡¨ã]UYV KLlrOW¥ v]Wy]Õ]ÖÐf]¤ RIy]RIy]RI mLËOoLp] S\¡ÐV
25
Nkv¡¾]ÖÐ WÒj]W¥¨V DkSpLY]¨LjLpOU DkSpLY]¨LvOÐfLeV. WL¡c]SÓ¤ KLl¡
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CakLaOWtOU j]pokqoLp] mLÈ|fpOçfOU WPaLRf NkLms|oOçfOoLp CakLaOWtOoLp] oLrOÐfV
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XXVIII RyãV&KLlV
(i) RIy]RIy]RI mLË]jOU Af]R£ NYPÕV WÒj]W¥ÖU RyãVK - Ll]jOU WPaLRf mLÈ|fàV
kWqoLp]ŸOçf]jOU Svº kqoLi]WLq AvWLwU DºV. JfV fq¾]sOçfOU, y~nL¾]sOçfOU
(ò]qj]Sƒk°tO¥RÕRa) Bp j]Sƒk°tORa So¤ oãV kWqU mLÈ|fWStL, \L¡²OWStL DSºL
IÐfV WLq|oL¨LRfpOU Av CSÕLuR¾SpL, nLv]p]RsSfL IÐfOU We¨L¨LRf k]a]\ÿOv\ÿSfL/
oSãRfË]sOU A¨Tº](A¨TºOW¥)¤ mL¨] W]aÖÐfV, WL¡cV AUYU, RIy]RIy]RI mLËV
ARsæË]¤ Af]R£ NYPÕV WÒj]W¥, IÐ]vp]¤ yUqƒ]ÖÐfLpvp]sOU, Av Kã Skq]SsL WPŸLp
Skq](SkqOW¥)SsL BReË]sOU, WPaLRf JfV ke¾]SÓsOU, RyW|Pq]ã]Wt]SÓsOU, SmLºOW¥, oRãsæL
Bñ]W¥, SqXWtOU y~¾O¨tOU RIy]RIy]RI mLSËL KÕU/ARsæË]¤ Af]R£ NYPÕV WÒj]WSpL
(RyW|Pq]ã]W¥ vu]SpL AsæL¾kƒU WL¡cV AUYU J¡RÕŸSfL/J¡RÕaL¢ SkLWOÐSfL Bp
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DkSpLY]ÖÐfLeV. RIy]RIy]RI mLËOU Af]R£ NYPÕV WÒj]WtOU WL¡cV AUY¾]jV SjLŸ}yV
26
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mLÈ|fpOoLp]q]ÖU.
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mLËOU WPaLRf Af]R£ NYPÕV WÒj]WtOU j]po Nkv¡¾j¾LSsL, WqLr]jLSsL or]S\ÿL JfV
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Ku]vL¨¤ IÐ]vp]SsàV vÐfLp R\svOW¥ WPa] IaOÖÐf]jOU; y]) SNWLyV Wr¢y]Wt]Rs
RyãV&KLlV vqOÐ kƒU, KqO Wr¢y]p]¤ j]ÐOç mLÈ|f oRãLqO Wr¢y]p]Rs mLÈ|fp]Ss¨V
oLãOSÒL¥ AfV RIy]RIy]RI mLË]R£pOU Af]R£ NYPÕV WÒj]WtORapOU kq]kP¡¹oLp
v]Sv\jLi]WLq¾L¤ j]¡¹p]ÖÐ j]q¨]¤ Bp]q]ÖÐfLeV.
XXIX. RIAx~¡ y¡vÿ}yV
""RIAx~¡ y¡vÿ}yV'' IÐfV vq]¨LqLWOÐf]R£ Aa]òLj¾]sOç y¡vÿ}yV BeV. Cf]¤
RIy]RIy]RI mLËV, RfqRáO¨RÕŸ WL¡cV AUY°¥¨V KqO SkRo£V SzLt]Sc KLl¡
R\áOÐOºV. AfLpfV WL¡c]¤ m]¤ R\pÅfLp fOW AaàOÐf]jV RIy]RIy]RI mLËV WL¡cV
AUY¾]Rj Ar]p]ÖÐ \]s NkSf|W oO¢WP¡ j]¡vÿ\]foLp yLz\q|°t]¤, 75 h]vy°tORa KqO
Ai]W ks]w qz]f WLsptvV j¤WOÐO.
""RIAx~¡ ymVyVNW]kVx¢ W]ãV'' IÐf]R£ A¡ÀU RIAx~¡ y¡vÿ}y]R£ Nky©oLp kP¡¹
v]vq°¥ sn|oL¨]R¨LºV WL¡cV AUY¾]jV Ap\ÿ Ar]p]ÕV IÐLeV. WL¡cV AUYU RIAx~¡
y¡vÿ}y]Ss¨V S\¡¨RÕŸ SwxoLeV CfV ApàOW. RIy]RIy]RI mLËV WL¡cV AUY°¥¨V
Avq]¤ RIy]RIy]RI mLË]R£ RNWc]ãV jp¾]jjOyq]\ÿV A¨TºV jÐLp] yPƒ]\ÿv¡¨V, \]s
NkSf|W yTWq|°¥ j¤WLjOç KLl¡ j¤WOÐf]jOç AvWLwU j]sj]¡¾OÐSfLRaLÕU, Af]R£
kP¡¹ v]Sv\jLi]WLq NkWLqU A¾qU WL¡cV AUY°¥¨V AvqORa yLÒ¾]WoLp NkpLy
WLsZŸ°t]¤, RIAx~¡ ymVyNV W]kVx¢ W]ã]¤ NkSf|WU v|©oL¨]p \]s yLz\q|°t]¤ BeV
CT KLl¡ j¤WOÐfV. RIy]RIy]RI mLËV RIAx~¡ y¡vÿ}yV KLl¡ R\áRÕŸvRq AvqORa
m]sæ]UYV v]sLy¾]¤ Ar]p]S\ÿL, ARsæË]¤ AvqORa r^]ð¡ R\áRÕŸ SlL¦ jÒr]¤ v]t]S\ÿL,
ARsæË]¤ RIy]RIy]RI mLËV Af]jV D\]fRoÐO SfLÐOÐ v]i¾]SsL WL¡cV AUYR¾ v]vqU
Ar]p]ÖÐfLeV. CSfÖr]\ÿV v]vqU Ar]p]\ÿSwxU RIAx~¡ y¡vÿ}yV NkSpL^jRÕaO¾OÐf]jLp]
WL¡cV AUYU ASÇzR¾ v]vqor]p]\ÿ q}f]p]¤ I¢SrL¥ R\áOÐf]jLp] RIy]RIy]RI mLË]¤
q^]ð¡ R\SáºfLeV. I¢SrL¥ R\áRÕŸSwxU KqO RIAx~¡ y¡vÿ}yV W]ãV WL¡cV AUY¾]R£
m]sæ]UYV v]sLy¾]¤ Ap\ÿO RWLaOÖÐfLeV. I¢SrL¥Ro£V Wu]´V 20 (CqOkfV) h]vy°¥¨WU
WL¡cV AUY¾]jV RIAx~¡ y¡vÿ}yV W]ãV sn]\ÿ]Ÿ]RsæË]¤ WL¡cV AUYU CT v]vqU RIy]RIy]RI
mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡ y¡vÿ}yV Ry£r]¤ Ar]p]S¨ºfOU Af]¤ v}uV\vqOÐkƒo
RIAx~¡ y¡vÿ}yV vq]¨Lq¢ IÐ òLjU CsæLfLWOÐfOU Bp]q]ÖU.
27
RIAx~¡ y¡vÿ}y]jO W}u]Rs SkRo£V SzLt]Sc BW›]SvãV R\áOÐf]jLp] WL¡cV AUYU
j]¡mÿÌoLpOU RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ 30 h]vy¾]jWU
NkSf|WU Nkf]kLh]\ÿ]ŸOçvp]¤ D¥RÕaOÐfOU yUnv]\ÿ]fOoLp JRfË]sOU yLz\q|°¥
Ar]p]S¨ºfLeV. IÐL¤, Af]jV WL¡cV A¨TºV c]s]¢W~£V Bp]q]¨L¢ kLa]sæL¾fOU
BW›]SvxjV ASkƒ]ÖÐ yop¾V v}uV\WRtLÐOU yUnv]\ÿ]ŸOºLp]q]¨L¢ kLa]sæL¾fOoLeV.
WL¡cV AUY¾]jV SkRo£V SzLt]Sc NkSpL^jRÕaO¾L¢ A¡zf sn]ÖÐfV RoL¾U kevOU Aa\ÿ
fOa¡\ÿpLp oPÐV oLy°¥¨V SwxvOU, RIAx~¡ ymVNØ]kVx¢ W]ã]¤ Nkf]kLh]\ÿ NkSf|W
yUnv°t]Rs JRfË]sOU KqO yUnvU DºLWOSÒLuOU, B yUnvvOU Af]R£ fOWpOU WL¡cV AUYR¾
Ar]p]\ÿfOSkLRs fRÐ Bp]q]ÖSÒLuOU BeV. A¾qU WLsptvV kOf]p AUY°tORa WLq|¾]¤ BrV
oLyU Bp]q]ÖU. KqO yop¾V NkSf|WU v|©oL¨]p yUnv°t]Rs JRfË]sOU KRq¹U jaÐfOoLp]
mÌRÕŸO oLNfSo RI&Ix~¡ y¡vÿ}yV NkSpL^jRÕaO¾L¢ yLi]ÖWpOçP. WL¡cV AUY¾]jV
RIAx~¡ y¡vÿ}yV NkSpL^jRÕaO¾LjOç SpLY|f kqoLvi] 50,000 qPkL vRqpLeV. AfLpfV
v|©oL¨RÕŸ yUnvU jaÖÐfLp f}pf]p]¤ DºLp]qOÐ RoL¾U AaSàº fOW kqoLvi]
AÒf]jLp]qU qPkL vRq oLNfU Bp]q]ëU. IÐL¤, yUnvU jaÐ f}pf]ÖU, RIAx~¡ y¡vÿ}yV
BW›}Svx¢ ASkƒ j¤W]p f}pf]ÖU (qºV h]vy°tOU D¥RÕRa) Cap]Rs WLsptv]¤ WL¡cV
AUYU Ai]WoLp] R\svu]\ÿ fOW, RIAx~¡ y¡vÿ}y]jV W}u]Rs SkRo£V SzLt]Sc BW›]SvãV
R\áRÕaOÐf]jO RfLŸO oOÒV, DaRj AaSàº fOWpLp] oLrOÐfLeV.
I¢SrL¥Ro£]jV SwxU WL¡cV AUYU RIAx~¡ y¡vÿ}y]R£ l}yOW¥¨Lp] Nkf]oLy Aa]òLj¾]¤
m]¤ R\áORÕaOÐfOU AfV SðãVRo£]sPRa Ar]p]ÖÐfOoLeV. vq]¨LqjLp]q]ÖÐ WLs¾V WL¡cV
AUY¾]jV JfO yop¾OU RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ y¡vÿ}yV Ry£r]¤
v]t]\ÿV vq]¨LqjsæLfL¨L¢ Svº] Bvw|RÕaLvOÐfLeV. IÐL¤ A¾qU vq]¨LqjsæLfL¨sOU
l}yV fOaqLf]q]ÖÐfOU NkLms|¾]sLWOÐfV, CSÕLuR¾SpL k]Ð}aOç oLyR¾SpL 15&LU h]vyU
^jSrãV R\áOÐ SðãVRo£]¤, Cf]¤ SjqR¾pOçfV JfLSeL, B yop¾Lp]q]ÖU. WL¡cV AUYU
yo¡Õ]S¨º Bvw|oOçfOU RIAx~¡ y¡vÿ}y]R£ BW›]SvxjO Svº]pfOoLp SqXW¥
JRfLR¨RpÐV RIAx~¡ ymNØ]kVx¢ W]ã]¤ Ar]p]ÖÐfLeV. RIAx~¡ y¡vÿ}yV BW›]SvãV
R\pÅf]jOSwxU WL¡c]R£ DkSpLYU/ WL¡cV A¨TºyopS¾¨V vRqpOU Bp]q]ÖU. RIAx~¡
y¡vÿ}yV RWLaO¾ WLsptvV AvyLj]ÖSÒL¥ WL¡cV AUYU oOuOv¢ WOa]ê]W yUX|pOU DaRjfRÐ
AaSàºfLeV. WL¡cV AUYU Af]¤ v}uV\ vqO¾]pL¤ WOa]ê]W fOW¨V RIAx~¡ y¡vÿ}y]R£ RoL¾U
WLsptv]SsÖç ks]w CTaLÖÐfLeV. RIy]RIy]RI mLËV Af]R£ y~ÍU
v]Sv\jLi]WLq¾L¤ ymVNØ]kVx¤ fOaqOÐf]SsÖç l}yV kOj¡\]ŸRÕaO¾L¢
f}qOoLj]S\ÿ¨LvOÐfOU, AfRsæË]¤ RIAx~¡ y¡vÿ}yV WL¡cV AUY¾]jV j¤WLf]q]¨L¢ k]Ð}aV
f}qOoLj]S\ÿ¨LvOÐfOU, B v]vqU WL¡cV AUY¾]S£fLp] RIy]RIy]RI mLËV SqXWt]sOç
m]sæ]UYV v]sLy¾]¤ Ar]p]ÖÐfOoLeV.
XXX. f¡Ü K¾Of}¡ÕL¨¤
IsæL f¡¨°tOU oOURRmp]¤ oLNfoOç Ai]WLqRÕŸ SWLaf]WtORa Ai]WLq kq]i]¨V
v]SipoLp]q]ÖU.
XXXI. CT v|vòWtOU j]mÌjWtOU oLã¤
RIy]RIy]RI mLË]jV JfO v|vòWtOU j]mÌjWtOU, WPaLRf WL¡c]SÓ¤ KLl¡
R\pÅ]ŸOçvp]¤ Cj]ÕrpOÐv D¥RÕRapOçfOU, IÐL¤ Av oLNfoLp] kq]o]fRÕaL¾fOoLp,
yv]SwxfWtOU BjOWPs|°tOU, j]sv]sOç mLs¢yOWRt mLi]ÖÐ oLã°¥, ks]w \L¡²OW¥
ARsæË]¤ j]qÖW¥U, JfO yop¾OoOç WeÖWPŸ¤ q}f]W¥ oOfLspv SnhYf] R\áOÐf]SjL
ykæ]Ro£V R\áOÐf]SjL kq]kP¡¹ v]Sv\jLi]WLqU DºLp]q]ÖÐLeV. R\svu]\ÿ IsæL
\L¡²OW¥ÖU WPaLRf kOfO¨]p CT v|vòW¥ÖU j]mÌjW¥ÖU W}u]Rs IsæL WaoW¥ÖU
WL¡c]jO W}u]Rs fOWW¥ oOuOv¢ f]q]\ÿaàOÐfO vRq WL¡cV AUYU mLÈ|òjLp]q]ÖÐfLeV.
SnhYf] R\pÅ v|vòW¥ C¢l]j]ã]p]¤ SzLðV R\pÅOU ARsæË]¤ RIy]RIy]RI mLËV
f}qOoLj]ÖÐfLp oãO v]i¾]sOU Ar]p]ÖÐfLeV. CT v|vòWtOU j]mÌjWtOU kf]vLp]
kOj:kq]SwLi]ÖÐf]jOU WPaLRf Af]sO¥RÕŸ SnhYf]WtOU Av C¢l]j]ã]p]¤ WLe]\ÿ]q]ÖÐ
j]sp]¤ SnhYf] R\áRÕŸ v|vòWtOU j]mÌjWtOU y~}Wq]\ÿ]q]ÖÐfLp] WqOfRÕaOÐf]jO
WLqeU, WL¡cV fOa¡ÐOU DkSpLY]ÖÐO IÐf]jLsLeV. v|vòWt]sOU j]mÌjWt]sOU DºLWOÐ
28
JfV oLã°tOU (ks]w \L¡²OWtOU j]qÖWtOU AsæLRfpOç) oO¢kr´ v]i¾]¤, Av
jaÕ]sLÖÐ f}pf]¨V KqOoLyU oO¢kV, WL¡cV AUYR¾ Ar]p]ÖÐfLeV.
XXXII. SjLŸ}yOW¥
CT v|vòWtORapOU, j]mÌjWtORapOU W}u]sOçvSpL CvpOoLp] mÌRÕŸOçvSpL Bp IsæL
SjLŸ}yOWtOU oãV Ar]p]ÕOWtOU, WL¡cV AUY¾]¤ j]ÐOU WOa]ê]W Bp]ŸOç fOW D¥RÕRa IsæL
fOWpOU SqXLoPsU, RIy]RIy]RI mLËV s]o]ãcV, RIy]RIy]RI mLËV SlL¦ mLË]UYV Ry£¡,
RIy]RIy]RI mLËV av¡, 7&LU j]s, y¡Svÿ jÒ¡ 115/27, SkæLŸV jÒ¡ 12, jjNWLUYOc,
Ryq]s]UYUkç], RRzhqLmLhV & 500 032, CÍ| IÐ v]sLy¾]¤, or]\ÿV NkyVfLv]Ÿ]RsæË]¤,
W¾]sPRaSpL ARsæË]¤ lLWõLSpL j¤SWºfLeV. A¾q¾]sOç JfV SjLŸ}yOU oãV Ar]p]ÕOWtOU
NkLms|oOçvpLp] We¨LÖÐfLeV:
(i) W¾V oOSXjpLeV ApàOÐRfË]¤, Sjq]ŸV j¤WOWSpL fkL¤ vu] ApàOWSpL R\áOSÒL¥, W¾V
f]q]\ÿOv]t]ÖÐfV Ap\ÿ Bt]R£ j]pNÍe¾]jO kOr¾LpLq]ÖSÒL¥; WPaLRf (i) lLWõV oOSXj
ApàSÒL¥, AfV Ap\ÿOWu]pOSÒL¥ (wq]pLp lLWõV jÒq]¤ AfV sn]\ÿO IÐf]jOç Ar]p]ÕV
sn]ÖSÒL¥). IÐL¤, RIy]RIy]RI mLËOoLpOç pLRfLqO IuO¾OWO¾OWtOU, RIy]RIy]RI
mLË]jV AfV pgL¡ÀoLp] sn]ÖWpOU mLËV AfV yÚf]ÖWpOU R\áL¾kƒU NkLms|¾]¤
vqOÐfsæ. SjLŸ}yOWtOU IuO¾OWO¾OWtOU Cv]SaàV ApS\ÿ¨LU: (i) jLŸ}yOWtOU IuO¾OWO¾OWtOU
ApàOÐf]jLp] RIy]RIy]RI mLË]R£ SqXWt]¤ SqXRÕaO¾RÕŸ]ŸOç WL¡cV AUY¾]R£
So¤v]sLyU ARsæË]¤ lLWõV jÒ¡ (ASkƒL SlLr¾]¤ j]¡vÿ\]\ÿ]ŸOçfOSkLRs), WPaLRf (ii)
RIy]RIy]RI mLË]R£ SyLe¤/r}^]pe¤/NmLµV/KLl}yV So¤v]sLyU ARsæË]¤ lLWõV jÒ¡,
WL¡cV AUYvOU RIy]RIy]RI mLËOoLp] kqy×qU SqXLoPsU Ai]WLqRÕaO¾]p]ŸOç q}f]p]¤.
WL¡cV AUY¾]R£ So¤v]sLy¾]SsL mÌRÕaOÐf]jOç oãO v]vq°t]SsL DºLp]ŸOç oLã°¥
RIy]RIy]RI mLË]Rj SqXLoPsU Ar]p]ÖÐf]jV WL¡cV AUYU kqL^pRÕaOÐkƒU, ASkƒL
SlLr¾]¤ SqXRÕaO¾]p]ŸOçSfL, WL¡cV AUYU AvyLjoLp] j¤W]p]ŸOçSfL Bp
So¤v]sLy¾]¤ SjLŸ}yV/W¾V ApàOÐfV, AfV RIy]RIy]RI mLË]Ss¨V ""RRWÕãLRf''
oa°]vSÐL CsæSpL IÐ WLq|U kq]Ye]¨LRf, WL¡cV AUY¾]jV j¤W]p wq]pLpfOU
of]pLpfOoLp SjLŸ}yLp] We¨LÖÐfLeV. WL¡cV AUY¾]R£ fLoy òsS¾L S^Ls] òsS¾L
sn|oLp]ŸOç KqO v¡¾oLj kNf¾]¤ Nky]È}Wq]ÖÐ KqO SjLŸ}y]Rj, WL¡cV AUY¾]jO j¤W]p
of]pLp SjLŸ}yLp], AfV Nky]È}Wq]¨RÕŸ f}pf] oOf¤ We¨LÖÐfLeV. IÐL¤, KqO v¡¾oLj
kNf¾]¤ Nky]È}Wq]ÖÐ KqO SjLŸ}yV, RIy]RIy]RI mLËV AfV AUY}Wq]¨L¾kƒU,
RIy]RIy]RI mLË]Rjf]Rq mLiWoLWOÐfsæ.
XXXIII. SYæLm¤ CÍ|¢ RNWc]ãV WL¡cV v|vòW¥
CT v|vòW¥ (""v|vòW¥'') KqO SYæLm¤ CÍ|¢ RNWc]ãV WL¡cV DkSpLY]ÖÐ WL¡cV
AUY¾]jO oLNfSo mLiWoLWOWpOçO. CT v|vòWtOU j]mÌjWtOU RNWc]ãV WL¡cV
DkSpLY¾]jLpOç oãO v|vòWtORapOU j]mÌjWtORapOU (""v|vòWtOU j]mÌjWtOU'')
kOrSopOçfLeV. CT v|vòWtOU oãO v|vòWtOU j]mÌjWtOU fÚ]¤ ISÕLRuË]sOU KqO
RRvqOÈ|U DaRsaO¾L¤ CT v|vòW¥ j]sj]¤ÖÐfLeV. SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]SÓ¤
keU k]¢vs]¨¤ AjOvh]ÖÐfsæ. SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]SÓ¤ W|LxV s]o]ãV
sn|oLÖÐfsæ. WL¡cV AUYU RIy]RIy]RI mLË]jV keU AaSàºfLp f}pf]p]¤ RoL¾U
WOa]ê]W AaSàºfLeV. IUIc] RkRo£V yTWq|U SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]jV
mLiWoLp]q]¨]sæ. SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]jV Svº]pOç keU Aaà¤ Cy]IyV q}f]p]¤
oLNfSo ja¾L¢ kLaOç.
XXXIV. CIURI RNWc]ãV WL¡cV v|vòW¥
CT v|vòW¥ (""v|vòW¥'') KqO CIURI WL¡cV DkSpLY]ÖÐ WL¡cV AUY¾]jO oLNfSo
mLiWoLWOWpOçO. CT v|vòWtOU j]mÌjWtOU RNWc]ãV WL¡cV DkSpLY¾]jLpOç oãO
v|vòWtORapOU j]mÌjWtORapOU (""v|vòWtOU j]mÌjWtOU'') kOrSopOçfLeV. CT
v|vòWtOU oãO v|vòWtOU j]mÌjWtOU fÚ]¤ ISÕLRuË]sOU KqO RRvqOÈ|U DaRsaO¾L¤ CT
v|vòW¥ j]sj]¤ÖÐfLeV.
29
1. CIURI WL¡c]R£ WLq|¾]¤ CIURI WL¡cOao WL¡c]jO W}u]Rs oOuOv¢ WOa]ê}W yUX|pOU
fOs|oLp Nkf]oLy fveWtLp] (CIURI) SðãVRo£]¤ yP\]Õ]\ÿ j]sp]¤ AaSàºfLeV. A°Rj
AàLjOçfLp CIURI fOW (CIc]) WL¡cV AUY¾]jV RIy]RIy]RI mLËV j]ép]\ÿ]ŸOç
k¡S\ÿyV s]o]ã]Rj Aa]òLjoL¨]pOçfOU WL¡cV AUYR¾ RIy]RIy]RI mLËV SðãVRo£V vu]
yP\]Õ]\ÿ]ŸOçfOU Bp]q]ÖU. CIc] vL°sOW¥ ja¾]p fOW, NaL¢yLWVx¢ l}yV, ks]w IÐ]v
Aa°]pfLeV. CakLaV jaÐ h]vyU oOf¤ CakLaV fOWàOSo¤ ks]w CTaLÖÐfLeV. WPaLRf, A¾qU
CIc], SðãVRo£]¤ yP\]Õ]\ÿ]ŸOç keU AaSàºfLp f}pf]p]¤ Aa\ÿ]Ÿ]RsæË]¤ WL¡cV AUY¾]¤
j]ÐOU y¡vÿ}yV \L¡²OU SsãV SkRo£V \L¡²OU CTaLÖÐfLeV. oO¢kR¾ SðãVRo£]Rs CIc]p]Rs
JRfË]sOU fOW AaàLRf mL¨]pORºË]¤, AfV CSÕLuR¾ SðãVRo£]Rs CIc]SpLRaLÕU
S\¡ÖÐfLeV. IÐL¤ Aa\ÿ fOW CIc]Sp¨L¥ WPaOfsLReË]¤ ASÕL¥ aLq]lV AjOmÌ¾]¤
WLe]\ÿ]ŸOç j]sp]¤ WL¡cOaop]¤ j]ÐOU \]s \L¡²OW¥ CTaLÖÐfLeV. A¾q¾]sOç
Ai]WoLp] Aa\ÿ fOW fOa¡ÐOç oLy¾]Rs CIc]p]¤ vqvO vàOÐfOU, AfV SðãVRo£]¤
Nkf]ls]ÖÐfOoLeV. WPaLSf, JRfË]sOU KqO NkSf|W oLy¾]R£ KaOv]¤ WL¡cV AUYU AaSàº
fOW CIc]Sp¨L¥ WOrvLReË]¤, WL¡cOaoàV A¾q¾]¤ AaàLjOç mL¨] fOW oLNfU
AaàOÐf]jOç mLÈ|f oLNfSo DºLp]q]ÖWpOçO.
IË]sOU, RoL¾U WOa]ê]W fOW k¡S\ÿy&V s]o]ãV Wv]pOWpLReË]¤, A°Rj Wv]´ fOWpORaSo¤
2.5% j]q¨]sOç (o]j]oU qP. 500 IÐ j]mÌjàO v]SipoLp]) KqO KLv¡ s]o]ãV \L¡²V
CTaLÖÐfLeV.
2. l}yOU \L¡²OWtOU WeÖ WPŸOÐfV fLRu v]whoL¨]p]q]ÖÐfO SkLRspLeV. DhL: KqO
WL¡cOaoàV Nkf]oLyU 2000 qPk CIc]SpLaOWPa]p KqO CIURI WL¡cOºV. Af]jV qP. 48000/&
k¡S\ÿyV s]o]ãOU 1.49% ks]wpOU (Nkf]oLyU) DºV. Af]R£ SðãVRo£V f}pf], KLSqL oLyR¾pOU 20&LU
f}pf]pOU, keoaSàº f}pf], KLSqL oLyR¾pOU 7&LU f}pf]pOoLeV. 2006 ^jOvq] 5&LU f}pf]
WL¡cOao RoL¾U 10000 qPkpORa vL°sOW¥ ja¾]. CT CakLa]SÓ¤ NaL¢yLWVx¢ l}yLp] 149 qPk
CTaLÖU. 2006 ^jOvq] 20&LU f}pf] SðãVRo£V DfVÕLh]Õ]ÖÐfOU, RoL¾U WOa]ê]W fOW qP.
10,224,61 Bp]q]ÖWpOU R\áOU. Cf]¤ 2006 ^jOvq] 5&LU f}pf] oOf¤ ^jOvq] 20&LU f}pf] vRq
WL¡cOao ja¾]p vL°sOWt]SÓsOç ks]wpLp 75.61 qPk D¥RÕaOU. WL¡cOao 2006 RlNmOvq],
7&LU f}pf]p]¤ qP. 2000 CIc] AaSàºfV Bvw|oLeV. 2006 RlNmOvq] 10&LU f}pf] WL¡cOao 6000
qPkpORa vL°sOW¥ ja¾OÐO. CT CakLa]SÓ¤ qP. 149 NaL¢yLWVx¢ l}yLp] CTaLÖÐfLeV. 2006
RlNmOvq] 7&LU f}pf] WL¡cOao qP. 2000 AaàOÐO. 10224.61 qPkàV 2006 ^jOvq] 20 oOf¤ 2006
RlNmOvq] 7&LU f}pf] vRqpOU, WPaLRf 8224.61 qPkàV 2006 RlNmOvq] 7&LU f}pf] oOf¤ RlNmOvq]
20&LU f}pf] vRqpOU, ks]w CTaLÖÐfLeV. Af]jO kOrSo, 2006 RlNmOvq] 10&LU f}pf] oOf¤
2006 RlNmOvq] 20&LU f}pf] vRq 6000 qPkpORa vL°sOWt]SÓsOU ks]w CTaLÖÐfLeV.
ks]wpLp] RoL¾U 169.97 qPk, 2006 RlNmOvq] 20&LU f}pf] DfVÕLh]Õ]ÖÐ SðãVRo£]¤
Nkf]ls]ÖÐfLeV. ASfLRaLÕU RoL¾U WOa]ê]W fOWpLp] 2006 RlNmOvq] 20&LU f}pf] 14,543.58
qPk DºLp]q]ÖU. 2006 oL¡\ÿV 7&LU f}pf]p]¤ WL¡cOao 2000 qPkpORa CIc] fOW AaSàºfV
Bvw|oLeV. keU AaàOÐfV RRvWOWpLeË]¤, SsãV SkRo£V \L¡²OW¥ CTaLÖÐfLeV.
CIc]ÖSo¤ Ai]WoLp] JRfË]sOU fOW Aa\ÿ]ŸORºË]¤, \]s NkSf|W \L¡²OW¥
CTaLÖÐfLeV. \L¡²OWtORa v]whLUw°¥¨V hpvLp] aLq]lV AjOmÌU kq]SwLi]ÖW.
JRfË]sOU C¢NW]Ro£V vWp]¤ WL¡cOao ja¾]p]ŸOç R\r]p vL°sOW¥ CIc]p]¤ v¡ÈjvV
DºLÖWp]sæ. IÐL¤, RoL¾U WOa]ê]W fOWpORapOU f]q]\ÿavV WLsptv]R£pOU BjOkLf]WoLp
v¡Èjv]¤ WsLw]ÖÐfLeV. AfV fLRu kŸ]W qPk¾]¤ v]wh}Wq]\ÿ]q]ÖÐO.
30
CIURI WL¡cV & DfVÕÐ v]whLUw°¥
CIc] qP. 2000
k¡S\ÿyV s]o]ãV qP. 48000
ks]w 1.49%
SðãRo£V f}pf] KLSqL oLyvOU 20&LU f}áf]
keU AaSàº f}pf] KLSqL oLyvOU 7&LU f}áf]
fOa¨¾]sOç WOa]ê]W fOW 0 fOa¨¾]sOç WOa]ê]W fOW 0
CakLaV fOW (2006 ^jO. 5) 10000 CakLaV fOW (2006 RlNmO. 10) 6000
NaL¢yLWVx¢ l}yV (2006 ^jO. 5) 149 NaL¢yLWVx¢ l}yV (2006 RlNmO. 10) 149
ks]w 75.61 ks]w 169.97
RoL¾U WOa]ê]W fOW 10224.61 RoL¾U WOa]ê]W fOW 14543.58
AaSàº CIURI fOW 2000 AaSàº CIURI fOW 2000
Aa\ÿ CIURI fOW 2000 Aa\ÿ CIURI fOW 2000
RIy]RIy]RI mLËV KqO WL¡cV A¨Tº]jV KqO k¡S\ÿyV s]o]ãV j]ép]ÖÐfLeV. AfV KqO
yop¾OU Wv]pL¢ kLaOçfsæ. \L¡²OWRtÖr]\ÿOç v]wh v]vq°¥¨V aLq]lV AjOmÌU
SjLÖW. CIURI WL¡cOW¥¨V IUIc] SkRo£V yTWq|U mLiWosæ.
3. ykæ]Ro£r] WL¡cOW¥Öç yTWq|°tOU WPaLRf vLe]^| òLkj°¥ Aa]òLjoL¨]pOç
C¢ðL¥Ro£V SNkLNYLoOU CIURI WL¡cOW¥¨V mLiWosæ.
XXXV. v]¡\ÿ~¤ RNWc]ãV WL¡cV v|vòW¥
CT v|vòWtOU j]mÌjWtOU (""v|vòW¥'') RIy]RIy]RI mLËV KLl¡ R\áOÐ v]¡\ÿ~¤
RNWc]ãV WL¡cV yTWq|°¥¨V mLiWvOU Af]Rj j]pNÍ]ÖÐfOU BeV. CT v|vòWtOU
j]mÌjWtOU, RIy]RIy]RI mLË]R£ RNWc]ãV WL¡cV yTWq|°Rt nq]ÖÐ v|vòW¥ÖU
j]mÌjW¥ÖU, RIy]RIy]RI mLË]R£ C£¡RjãV mLË]UYV yTWq|°Rt nq]ÖÐ
v|vòW¥ÖU j]mÌjW¥ÖU, WPaLRf RIy]RIy]RI mLË]R£ Syv]UYVyV mLËV A¨Tº]Rj
nq]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU (""NkLgo]W v|vòW¥'') kOrSopOçfOU
v]qOÈoLWL¾fOoLeV. CT v|vòW¥ÖU j]mÌjW¥ÖU, NkLgo]W v|vòW¥ÖU fÚ]¤
RRvqOÈ|U WLeRÕŸL¤ CT v|vòW¥ j]sj]¤ÖÐfLeV. Cv]Ra DkSpLY]\ÿ]ŸOç \]s NkSf|WU
j]¡vÿ]\]\ÿ]Ÿ]sæL¾ kh°tORa A¡À°¥ NkLgo]W v|vòWt]¤ pgLNWoU RWLaO¾]ŸOºV.
""VA¨TºV/W¥'' IÐL¤ A¡ÀU RIy]RIy]RI mLË]R£ C£¡RjãV mLË]UYV yTWq|°Rt nq]ÖÐ
v|vòWt]sOU j]mÌjWt]sOU, WPaLRf RIy]RIy]RI mLË]R£ Syv]UYVyV mLËV A¨Tº]Rj
nq]ÖÐ v|vòWt]sOU j]mÌjWt]sOU A¨TºV(W¥) j]¡vÿ\]¨RÕŸ]ŸOç A¡À¾]jOç]¤
D¥RÕaOÐv IÐLeV.
""v]¡\ÿ~¤ RNWc]ãV WL¡cV'' IÐL¤ A¡ÀU RRNkor] RNWc]ãV WL¡cV AUY¾]jV ASÇz¾]R£/AvqORa
j]sv]sOç WL¡cV A¨Tº]¤ Cx|O R\áOÐ KqO Ac}xe¤ WL¡cV IÐLeV. CT BcV KL¦ RNWc]ãV
WL¡cV RRNkor] RNWc]ãV WL¡cV AUY¾]R£ A¨TºV(W¥)¤ Af]Rs SsLYVcV C¢ RyWVxj]¤
CsWVSNaLe]WV qPk¾]¤ yQxVa]¨RÕaOWpOU yPƒ]¨RÕaOWpOU R\áOÐO. v]¡\ÿ~¤ RNWc]ãV WL¡c]jV
31
KqO vñO qPk¾]sOç kæLð]WV WL¡cV Cx|O R\áOÐfsæ.
""v]¡\ÿ~¤ RNWc]ãV WL¡cV AUYU'' IÐL¤ A¡ÀU RIy]RIy]RI mLËV NkLgo]W v|vòW¥ÖU
v]SipoLp] KqO BcV&KL¦ v]¡\ÿ~¤ RNWc]ãV WL¡cV Cx|O R\pÅ RRNkor] RNWc]ãV WL¡cV AUYU
IÐLeV.
v]¡\ÿ~¤ RNWc]ãV WL¡cV Cx|O yTWq|¾]jV ASkƒ]ÖWpOU AUY}Wq]ÖWpOU R\áOÐf]sPRa,
RRNkor] RNWc]ãV WL¡cV AUYU fLRuÕrpOÐ j]mÌjWtOU v|vòWtOU yÚf]ÖWpOU
AUY}Wq]ÖWpOU R\pÅfLp] We¨LÖÐfLeV.
RRNkor] RNWc]ãV WL¡cV AUYU v]¡\ÿ~¤ RNWc]ãV WL¡c]jLp] RIy]RIy]RI mLËV Af]R£ SsLYVcV
C¢ RyWVxj]¤ sn|oL¨]p]ŸOç oL¡«¾]sPRaSpL yopL yop°t]¤ RIy]RIy]RI mLËV
j]¡vÿ\]ÖÐ oãV q}f]p]sPRaSpL ASkƒ]S¨ºfLeV. v]¡\ÿ~¤ RNWc]ãV WL¡c]sPRa WL¡cV AUY¾]jV
ASÇz¾]R£ y~ÍU CìNkWLqoOç RNWc]ãV s]o]ã]jOç]¤ KL¦RRs¢ CakLaOW¥ ja¾L¢
yLi]ÖÐfLeV. IÐL¤, pLRfLqO WLqevwLvOU pLRfLqO yop¾OU ASÇz¾]R£ RNWc]ãV
WL¡c]sOç RNWc]ãV s]o]ãV Wv]pL¢ kLa]sæ.
v]¡\ÿ~¤ RNWc]ãV WL¡c]sPRa ja¾]p CakLaOWtORa v]wh v]vq°¥ SðãVRo£]¤ Nkh¡w]Õ]ÖÐfOU
RRNkor] RNWc]ãV WL¡cV AUY¾]jV Af]jLp] KqO NkSf|W SðãVRo£V ApàL¾fOoLeV. WPaLRf, RRNkor]
RNWc]ãV WL¡cV AUY¾]jV v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ CSÕLuR¾pOU Wu]´ WLsR¾pOU SðãVRo£V/
W¥ v]¡\ÿ~¤ RNWc]ãV WL¡c]jO W}u]¤ RWLaO¾]ŸOç s]Ë]¤ Wæ]¨V R\áOÐf]sPRa WLeLvOÐfLeV.
RRNkor] RNWc]ãV WL¡cV AUY¾]jV ASÇz¾]R£ RRNkor] WL¡c]sOU v]¡\ÿ~¤ RNWc]ãV WL¡c]sOU
DºLp]ŸOç R\svOWtORa keU Kã¾OWpLp] AaàLvOÐfLeV.
v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ WL¡cV jÒ¡, IWõR
V Rkq] f}pf], y]v]v] oOfsLpv NkiLjRÕŸ v]vq°¥
A¨Tº]Rs SsLYVcV C¢ RyWVxj]¤ sn|oLp]ŸOç v]¡\ÿ~¤ RNWc]ãV WL¡cV RyWVxj]¤ oLNfU WLeL¢
yLi]ÖÐfLeV. v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ RNWc]ãV s]o]ãV RRNkor] WL¡c]S£fO fRÐ Bp]q]ÖU.
v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ SzLŸV s]ð]UYV/SmæL¨]UYV oOfsLpv A¨Tº]Rs SsLYVcV C¢
RyWVxj]sOç v]¡\ÿ~¤ RNWc]ãV WL¡cV RyWVxj]sPRa oLNfU R\áL¢ yLi]ÖÐfLeV. v]¡\ÿ~¤
RNWc]ãV WL¡cV AUYU A¨TºV/W¥ SWæLôV R\áOWpLReË]¤, v]¡\ÿ~¤ RNWc]ãV WL¡cV yTWq|U
fOa¡ÐOU j]sv]s]q]ÖÐfLeV.
v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ DkSpLYU KL¦RRs¢ CakLaOW¥Ö oLNfoLp] j]pNÍ]¨RÕŸ]q]ÖU.
KL¦RRsj]sPRapOç CakLaOWtORa WLq|¾]¤, v]¡\ÿ~¤ RNWc]ãV WL¡cV DkSpLY]\ÿO ja¾OÐ
vL°sOW¥ ja¾OÐ yop¾V RRNkor] WL¡cV AUYU \L¡²V yæ]ÕOW¥ KÕ]aOÐ]sæ IÐ vñOf RRNkor]
WL¡cV AUYU ojô]sLÖÐO. AfOSkLRs, A°RjpOç KqO vL°s]R£SpL \L¡²]R£SpL
vLñv]WfRpÖr]\ÿV IRÍË]sOU f¡Ü DaRsaOÖÐkƒU, WLqe°¥ IÍOfRÐ BpLsOU,
RIy]RIy]RI mLË]jO j¤SWºfLp WOa]ê]WW¥ j¤WOÐf]jOU, pLRfLqO yLz\q|¾]sOU
RIy]RIy]RI mLË]Rj mLÈ|f¨LqSjL/D¾qvLh]SpL Bp] We¨L¨Lf]q]ÖÐf]jOU RRNkor]
WL¡cV AUYU yÚf]ÖÐO. v]¡\ÿ~¤ RNWc]ãV WL¡c]sPRa keU y~}Wq]ÖÐf]jV JRfË]sOU vLe]^|
òLkjU v]yÚf]ÖÐkƒU Af]jV RIy]RIy]RI mLËV D¾qvLh] Bp]q]ÖÐfsæ. v]¡\ÿ~¤
RNWc]ãV WL¡cV yTWq|U RWLºV DSÇw]ÖÐfV v]¡\ÿ~¤ RNWc]ãV WL¡cV AUY¾]jV KL¦RRsj]sPRa
keU AaàLjOç yTWq|U NkhLjU R\áOW IÐfV oLNfoLeV. AsæLRf, v]¡\ÿ~¤ RNWc]ãV WL¡cV AUYU
ja¾OÐ JRfË]sOU CakLaOWtORa YOeSoÓ, yOqƒ]ff~U ARsæË]¤ j]po v]Sipf~U DrÕLÖÐf]jO
Svº]psæ.
v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ DkSpLYU CT v|vòWtOU j]mÌjWtOU AUY}Wq]ÖÐf]jO fOs|oLeV.
v]¡\ÿ~¤ RNWc]ãV WL¡cV AUYU CT keU AaàOÐf]jOç v|vòWtLsOU Af]jO W}u]sOU mÌ]fvOU/
mLÈ|òvOU Bp]q]ÖU. ASÇzU/Av¡ v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ DkSpLYU oOXLÍ]qoOç IsæL
\L¡²OWtORapOU f]q]\ÿavV DrÕO vqO¾OÐfLeV. v]¡\ÿ~¤ RNWc]ãV WL¡cV yTWq|U, yopL
yop°t]¤ RIy]RIy]RI mLËV j]ép]ÖÐ l}yV/j]q¨V AjOyq]\ÿV NkhLjU R\áRÕaOÐ KqO
NkSf|W yTWq|oLeV.
XXXVI. C¢ð£V RNWc]ãV WL¡cV v|vòW¥
1. CT v|vòWtOU j]mÌjWtOU (""v|vòW¥'') RIy]RIy]RI mLËV KLl¡ R\áOÐ C¢ð£V
32
RNWc]ãV WL¡cV yTWq|°¥¨V mLiWvOU Af]Rj j]pNÍ]ÖÐfOU BeV. CT v|vòWtOU
j]mÌjWtOU, www.icicibank.com ¤ sn|oLp]ŸOç RIy]RIy]RI mLË]R£ RNWc]ãV WL¡cV
yTWq|°Rt nq]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU, RIy]RIy]RI mLË]R£ l]WõcV
c]SÕLy]ã]Rj nq]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU (""NkLgo]W v|vòW¥'')
kOrSopOçfOU v]qOÈoLWL¾fOoLeV. CT v|vòW¥ÖU j]mÌjW¥ÖU, NkLgo]W
v|vòW¥ÖU fÚ]¤ RRvqOÈ|U WLeRÕŸL¤ CT v|vòW¥ j]sj]¤ÖÐfLeV. Cv]Ra
DkSpLY]\ÿ]ŸOç \]s NkSf|WU j]¡vÿ]\]\ÿ]Ÿ]sæL¾ kh°tORa A¡À°¥ NkLgo]W v|vòWt]¤
pgLNWoU RWLaO¾]ŸOºV.
2. ""WL¡cV Dao'' IÐL¤ A¡ÀU RIy]RIy]RI mLË]¤ KqO l]WõcV c]SÕLy]ãV DçfOU/ l]WõcV
c]SÕLy]ãV R\áOÐfOU, RIy]RIy]RI mLË]R£ KqO C¢ð£V RNWc]ãV WL¡c]jV ASkƒ]ÖÐfOU,
NkLgo]W v|vòW¥ÖU j]mÌjW¥ÖU Cv]Ra j]¡vÿ\]\ÿ]ŸOç v|vòW¥ÖU v]SipoLp] KqO
C¢ð£V RNWc]ãV WL¡cV Cx|O R\áRÕaOWpOU R\pÅ v|©] IÐLeV.
3. ""C¢ð£V RNWc]ãV WL¡cV'' IÐL¤ A¡ÀU, WL¡cV Dao RIy]RIy]RI mLË]¤ j]sj]¡¾]p]ŸOç
KqO l]WõcV c]SÕLy]ã]R£ CTa]SÓ¤ RIy]RIy]RI mLËV Cx|O R\áOÐ RIy]RIy]RI mLËV
C¢ð£V RNWc]ãV WL¡cV IÐLeV.
4. C¢ð£V RNWc]ãV WL¡cV sn]¨L¢ SpLY|f SjaOÐf]jV WL¡cV Dao WOr´fV 20,000 qPkpORa KqO
l]WõcV c]SÕLy]ãV RIy]RIy]RI mLË]¤ j]sj]¡¾OWSpL/CaOWSpL R\SáºfV Bvw|oLeV.
5. C¢ð£V RNWc]ãV WL¡c]R£ RNWc]ãV s]o]ãV l]WõcV c]SÕLy]ãV fOWpORa I¦k¾]pµV wfoLjU
(85%) Bp]q]ÖU. CfV WOr´fV RNWc]ãV s]o]ãV 17,000 qPkpOU kqLvi] RNWc]ãV s]o]ãV 3 sƒU qPkpOU
IÐ j]mÌjàO v]SipoLp]q]ÖU. CT RNWc]ãV s]o]ãV yopL yop°t]¤ RIy]RIy]RI mLËV
Af]R£ y~ÍU v]Sv\jLi]WLq NkWLqU ja¾OÐ oLã¾]jV v]SipoLp]q]ÖU. AfV AjOSpL^|RoÐV
RIy]RIy]RI mLË]jV SfLÐOÐ q}f]p]sOU oL¡«¾]sOU WL¡cV DaoRp Ar]p]ÖÐfLeV.
6. WL¡cV Dao, yopL yop°t]¤ RIy]RIy]RI mLËV j]¡vÿ\]ÖÐ q}f]p]sOU oL¡«¾]sOU,
AfOSkLRsfRÐ RIy]RIy]RI mLËV j]¡vÿ\]ÖÐ mÌRÕŸ SqXWtORa kP¡¾}Wqe¾]jOU
v]SipoLpOU l]WõcV c]SÕLy]ãOW¥ j]Sƒk]S¨ºfLeV. WL¡cV Dao l]WõcV c]SÕLy]ãV KqO
RIy]RIy]RI mLË]R£ wLXp]SsL, ARsæË]¤ yop°t]¤ RIy]RIy]RI mLËV Af]R£ y~ÍU
v]Sv\jLi]WLq NkWLqU j]ép]ÖWpOU Ar]p]ÖWpOU R\áOÐ oãO kWqU \LjsOWt]SsL
j]Sƒk]S¨ºfLeV. A°Rj fOr¨RÕaOÐ l]WõcV c]SÕLy]ãOW¥ KLSŸL r]j|Ov¤ q}f]p]¤ oLNfU
fOr¨RÕaOÐfLeV. WL¡cV Dao/RIy]RIy]RI mLËV WL¡cV W|L¤y¤ R\áOÐkƒU, l]WõcV
c]SÕLy]ãV AfV j]Sƒk]ÖÐ yop¾V WL¡cV Dao j¤W]p]ŸOç j]¡SÇwLjOyqeU fOaqOÐfLeV.
7. C¢ð£V RNWc]ãV WL¡cV Cx|O R\áOSÒL¥, WL¡cV Dao j]Sƒk]\ÿ]ŸOç RoL¾U l]WõcV c]SÕLy]ãV
fOWp]sOU, Af]R£ ks]wp]sOU RIy]RIy]RI mLËV KqO kepU AapLtRÕaO¾OÐfLeV. CfV
C¢ð£V RNWc]ãV WL¡cV AvyLj]Õ]ÖWSpL l]WõcV c]SÕLy]ã]R£ WLsLvi] kP¡¾]pLWOWSpL
R\áOÐ yopU vRq, yLz\q|ojOyq]\ÿ,V fOaqOÐfLeV.
8. ASkƒWjV RIy]RIy]RI mLË]¤ KqO l]WõcV c]SÕLy]ãV j]sv]sORºË]¤, B l]WõcV
c]SÕLy]ã]Rj WL¡cV DaopORa C¢ð£V RNWc]ãV WL¡cV A¨TºOoLp] s]ËV R\áOÐfOU, Da¢fRÐ B
l]WõcV c]SÕLy]ã]Rj KLSŸL r]j|Ov¤ q}f]p]Ss¨V oLãOÐfOoLeV. KLSŸL r]j|Ov¤ R\áOÐ yop¾V
mLiWoLp]ŸOç ks]w j]q¨V So¤Õr´ l]WõcV c]SÕLy]ã]jV mLiWoLWOÐfLeV.
9. C¢ð£V RNWc]ãV WL¡cOoLp] s]ËV R\pÅ]ŸOç l]WõcV c]SÕLy]ã]¤ j]ÐOU WL¡cV Dao/W¥¨V
nLY}WoLp k]¢vs]¨sOW¥ ja¾L¢ yLi]ÖÐfsæ.
10. I\ÿpV OIlV, kL¡ŸVj¡x]ÕV òLkj°¥, NkLpkP¡¾]pLWL¾ v|©]W¥, KÐ]si]WU ASkƒW¡
WPŸLp] fOrÐ/j]Sƒk]\ÿ l]WõcV c]SÕLy]ãOW¥¨V C¢ð£V RNWc]ãV WL¡c]jV
A¡zfpOºLp]q]ÖÐfsæ. KqO Kã v|©]pORa Skq]sOç l]WõcV c]SÕLy]ãOW¥¨V oLNfSo C¢ð£V
RNWc]ãV WL¡c]jV A¡zfpOºLp]q]ÖWpOçO.
11. l]WõcV c]SÕLy]ã]jV SjLo]Sjx¢ yTWq|U sn]ÖÐfLeV.
33
12. l]WõcV c]SÕLy]ã]R£SpL C¢ð£V RNWc]ãV WL¡c]R£SpL AvyLj]Õ]¨¤/k]¢vs]¨¤/W|L¢y¤
R\á¤ yUnv]ÖWSpL, keU AaSàºfLp f}pf] oOf¤ 60 h]vy°¥¨WU WOa]ê]W fOW
AaàOÐf]¤ WL¡cV AUYU kqL^pRÕaOWSpL, WL¡c]sOç RoL¾U WOa]ê]W fOW l}yOWtOU
\L¡²OWtOU CT v|vòW¥Ö v]SipoLp] RIy]RIy]RI mLËV CTaLÖÐ oãV fOWWtOU D¥RÕRa
JRfË]sOU yop¾V l]WõcV c]SÕLy]ãV fOWpORa 95% BWOWSpL Af]¤ Wv]pOWSpL R\áOÐkƒU,
l]WõcV c]SÕLy]ãV Af]¤ SwXq]¨RÕŸ]ŸOç ks]w D¥RÕRa s]W~]ScãV R\áOÐf]jOU C¢ð£V RNWc]ãV
WL¡c]jO W}u]¤ RIy]RIy]RI mLË]jV sn]¨LjOç fOWp]Ss¨V vWp]qO¾OÐf]jOU
RIy]RIy]RI mLË]jV AvWLwU DºLp]q]ÖÐfLeV. oOWt]¤ kr´ CTaL¨s]jO SwxU
IRÍË]sOU fOW mL¨]pORºË]¤ AfV WL¡cV DaoàV f]q]RW j¤WOÐfLeV.
13. l]WõcV c]SÕLy]ã]¤ kepU AapLtRÕaO¾]pf]jO SwxU C¢ð£V RNWc]ãV WL¡cV BW›]SvãV
R\áOÐfLeV.
XXXVII. SWL¡ÕSrãV RNWc]ãV WL¡cV v|vòW¥
CT v|vòW¥ (""v|vòW¥'') KqO SWL¡ÕSrãV WL¡cV DkSpLY]ÖÐ WL¡cV AUY¾]jO oLNfSo
mLiWoLWOWpOçO. CT v|vòWtOU j]mÌjWtOU RNWc]ãV WL¡cV DkSpLY¾]jLpOç oãO
v|vòWtORapOU j]mÌjWtORapOU (""v|vòWtOU j]mÌjWtOU'') kOrSopOçfLeV. CT
v|vòWtOU oãO v|vòWtOU j]mÌjWtOU fÚ]¤ ISÕLRuË]sOU KqO RRvqOÈ|U DaRsaO¾L¤ CT
v|vòW¥ j]sj]¤ÖÐfLeV. KqO SWL¡ÕSãV RNWc]ãV WL¡cV WL¡cV AUY¾]jV v|©Yf
mLi|fpOç (y]y]RII¤) WL¡ScL, ARsæË]¤ WL¡cV AUY¾]jOU AfOSkLRs fRÐ WÒj]ÖU
(y]y]y]I¤) WPŸOmLÈ|fpOç WL¡ScL Bp]q]¨LvOÐfLeV. RIy]RIy]RI mLËV Av¡
ASkƒW¥ AUY}Wq]ÖÐ WL¡cV AUY(AUY°¥)¾]jLeV WL¡cOW¥ Cx|O R\áOÐfV. oãO fq¾]¤
yÚf]\ÿ]Ÿ]RsæË]¤ KLSqL WL¡c]sOU WL¡cV AUY°¾]R£pOU WÒj]pORapOU SkqV IUSmLôV
R\pÅ]q]ÖU. RIy]RIy]RI mLËV Af]R£ kf]vV yNÒhLpU AjOyq]\ÿ,V fLRu Nkf]kLh]\ÿ]ŸOç
W|L¢ySsx¢ \Ÿ°¥ NkWLqU WL¡cOWtORa rÇL¨¤ jaÖÐfOvRqpOU WL¡c]R£ kOfO¨¤
ARsæË]¤ oLã] j¤W¤ ja¾OÐfLeV.
XXXVIII. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV v|vòW¥
RIy]RIy]RI mLËV l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV IÐL¤ RIy]RIy]RI mLË]¤ WL¡cV
Dao j]sj]¡¾OÐ KqO l]WõcV c]SÕLy]ã]R£ CTa]SÓ¤ RIy]RIy]RI mLËV Cx|O R\áOÐ KqO
RNWc]ãV WL¡cV BeV (Cf]jO SwxU ""l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV'' IÐO Nkf]kLh]\ÿ]q]ÖÐO.
l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV sn]¨L¢ SpLY|f SjaOÐf]jV ASkƒW¢ WOr´fV 20,000
qPkpORa KqO l]WõcV c]SÕLy]ãV RIy]RIy]RI mLË]¤ j]sj]¡S¾ºfV Bvw|oLeV. CT l]WõcV
c]SÕLy]ãV fOW yopL yop°t]¤ RIy]RIy]RI mLËV Af]R£ y~ÍU v]Sv\jLi]WLq NkWLqU
ja¾OÐ oLã¾]jV v]SipoLeV. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]R£ RNWc]ãV s]o]ãV l]WõcV
c]SÕLy]ãV fOWpORa I¦k¾]pµV wfoLjU (85%) Bp]q]ÖU. CT RNWc]ãV s]o]ãV yopL
yop°t]¤ RIy]RIy]RI mLËV Af]R£ y~ÍU v]Sv\jLi]WLq NkWLqU ja¾OÐ oLã¾]jV
v]SipoLp]q]ÖU. ASkƒW¢, RIy]RIy]RI mLËV j]¡vÿ\]\ÿ]ŸOç ASkƒL SlLrU kPq]Õ]\ÿO
j¤W]SpL, ARsæË]¤ yopL yop°t]¤ RIy]RIy]RI mLËV j]¡vÿ\]ÖÐ oãV JRfË]sOU
q}f]p]SsL l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]R£ DSÇw|¾]jLpOç l]WõcV c]SÕLy]ãV/W¥
j]Sƒk]S¨ºfLeV. A°Rj j]Sƒk]¨RÕaOÐ l]WõcV c]SÕLy]ãOW¥ vL¡x]W Aa]òLj¾]¤
kOfO¨RÕaOÐfOU, CT v|vò¥ÖU j]mÌjW¥ÖU kOrSo, www.icicibank.com ¤ sn|oLp]ŸOç
RNWc]ãV WL¡cOWRtpOU l]WõcV c]SÕLy]ãOWRtpOU yUmÌ]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU
v]SipvOU Bp]q]ÖU. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV Cx|O R\áOSÒL¥, WL¡cV Dao
j]Sƒk]\ÿ]ŸOç RoL¾U l]WõcV c]SÕLy]ãV fOWp]sOU, Af]¤ WL¡cV Dao Sja]p]ŸOç ks]w
Ku]vL¨]R¨LºV, RIy]RIy]RI mLËV KqO kepU AapLtRÕaO¾OÐfLeV. CfV l]WõcV c]SÕLy]ãV
RNWc]ãV WL¡cV AvyLj]Õ]ÖWSpL l]WõcV c]SÕLy]ã]R£ WLsLvi] kP¡¾]pLWOWSpL R\áOÐ
yopU vRq, yLz\q|ojOyq]\ÿ,V fOaqOÐfLeV. ASkƒWjV RIy]RIy]RI mLË]¤ KqO l]WõcV
c]SÕLy]ãV j]sv]sORºË]¤, B l]WõcV c]SÕLy]ã]Rj ASkƒWR£ WL¡cV A¨TºOoLp] s]ËV
R\áOÐfOU, Da¢fRÐ B l]WõcV c]SÕLy]ã]Rj KLSŸL r]j|Ov¤ q}f]p]Ss¨V oLãOÐfOoLeV. WL¡cV
A¨TºOoLp] s]ËV R\pÅ]ŸOç l]WõcV c]SÕLy]ã]¤ j]ÐOU WL¡cV DaoW¥¨V nLY}WoLp
k]¢vs]¨sOW¥ ja¾L¢ yLi]ÖÐfsæ. RIy]RIy]RI mLËV l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV
34
sn]ÖÐf]jLp] fOr¨RÕaOÐ l]WõcV c]SÕLy]ã]R£ WLsLvi] AfV AvyLj]Õ]ÖWSpL W|L¢y¤
R\áOWSpL R\áOÐfO vRq KLSŸL r]j|Ov¤ q}f]p]¤ fOaqOÐfLeV. I\ÿpV OIlV, kL¡ŸVj¡x]ÕV
òLkj°¥ IÐ]v¡ fOrÐ l]WõcV c]SÕLy]ãOW¥¨V l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]jV
A¡zfpOºLp]q]ÖÐfsæ. ASkƒW¢ oRãLqO v|©]pOoLp] S\¡ÐV WPŸLp] KqO l]WõcV c]SÕLy]ãV
fOrÖÐkƒU, ASkƒL SlLr¾]¤ SqXRÕaO¾]p]ŸOç NkWLqU KÐLoR¾ A¨TºV SzL¥c¡¨V
l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV Cx|O R\áOÐfLeV.
ASkƒW¢ fOrÖÐ l]WõcV c]SÕLy]ã]jV KqO v|©]Rp SjLo]SjãV R\áOÐf]jV ASkƒWjV
AvWLwU DºLp]q]ÖU. l]WõcV c]SÕLy]ãV fOW k]¢vs]ÖÐf]jV/AvyLj]Õ]ÖÐf]jV WL¡cV Dao
BNYz]ÖWSpL, RIy]RIy]RI mLËV/WL¡cV Dao l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV W|L¢y¤
R\áWSpL, WL¡cV DaopORa oqeU yUnv]\ÿf]jL¤ l]WõcV c]SÕLy]ãV AvyLj]Õ]ÖWSpL
R\áOÐkƒU, WL¡cV Dao RIy]RIy]RI mLË]jV j¤WLjOç RoL¾U WOa]ê]W fOW l}yOWtOU
\L¡²OWtOU IsæLU D¥RÕRa CTaL¨]pf]jO SwxU mL¨]pOç l]WõcV c]SÕLy]ãV fOW f]q]RW
sn]ÖÐf]jV WL¡cV DaoàV/SjLo]j]¨V AvWLwU DºLp]q]ÖU. WL¡cV DaopORa oqeU
yUnv]ÖÐkƒU l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV AvyLj]\ÿfLp] We¨L¨RÕaOU.
SðãVRo£V NkWLqU keU AaSàºfLp f}pf] oOf¤ 90 h]vy°¥¨WU l]WõcV c]SÕLy]ãV RNWc]ãV
WL¡c]Rs WOa]ê]W fOW AaàOÐf]¤ WL¡cV AUYU kqL^pRÕaOÐkƒU, RoL¾U l]WõcV c]SÕLy]ãV
fOW s]W~]ScãV R\áOÐf]jOU l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]jO W}u]¤ RIy]RIy]RI mLË]jV
sn]¨LjOç fOWp]Ss¨V vWp]qO¾OÐf]jOU RIy]RIy]RI mLË]jV AvWLwU DºLp]q]ÖÐfLeV.
oOWt]¤ kr´ CTaL¨s]jO SwxU IRÍË]sOU fOW mL¨]pORºË]¤ AfV WL¡cV DaoàV f]q]RW
j¤WOÐfLeV. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]R£ BW›]Svx¢ l]WõcV c]SÕLy]ã]¤ kepU
AapLtRÕaO¾OÐf]jO v]SipoLp]q]ÖU.
j]¡vÿ \ j°¥:
""WL¡cV A¨TºV'' IÐf]R£ A¡ÀU WÒj]pORa Skq]¤ fOrÐfOU RIy]RIy]RI mLËV
Cf]sa°]p]ŸOç Af]R£ v|vòWtOU j]mÌjWtOU NkWLqU SWL¡ÕSrãV RNWc]ãV WL¡cV
DkSpLY¾]R£ DSÇw|¾]jLp] yUqƒ]\ÿOvqOÐfOoLp A¨TºV IÐLeV.
""Syvj°¥'' IÐf]R£ A¡ÀU, v]y C¢l¡Sox¢ oLSj^VRo£V y¡vÿ}yyV IÐLeV. Af]¤ cLãL
y¡vÿ}yOW¥, kW¡ÕvWLwoOç v]y C¢l¡Sox¢ SyLuVyV (""v]RIIyV'') IÐV Ar]pRÕaOÐ
KL¦RRs¢ S^Ls]W¥, v]y o¥Ÿ]jLxj¤ r]SÕL¡Ÿ]UYV (""v]IUB¡''), v]y NaLv¤ A¨TºV oLSj^¡
(""v]a]IIU''), I¢Sz¢yVcV cLãL y¡vÿ}yyV (""Cc]IyV''), CfOvSqÖoOç IsæL
AkVSNYcOWtOU KÕoOçfLp IsæL SqXWtOU, lpsOWtOU, cLãpOU vyVfO¨tOU D¥RÕRapOçv
D¥RÕaOÐO. WPaLRf, Cf]¤ oLð¡ WL¡cV yÜL¡ŸV cLã KL¦ RRs¢ (IyVc] K I¤) WPa] D¥RÕaOÐO.
Af]jO kOrSo, cLãL y¡vÿ}yOW¥, kW¡ÕvWLwoOç yÜL¡ŸV cLãL KL¦ RRs¢ (IyVc]KI¤)
IÐr]pRÕaOÐ KL¦ RRs¢ S^Ls]W¥, KÕoOç SqXWtOU lpsOWtOU, cLãpOU, vñ¨tOU D¥RÕRa
CSfvSqÖoOç AÕVScãOWtOU AÕV SNYcOWtOU D¥RÕRapOçv Cf]¤ D¥RÕaOÐO.
v]yL C¢l¡Sox¢ oLSj^VRo£V y¡vÿ}yOW¥ (""Syvj°¥'' ).
WÒj]pOU WL¡cV AUYvOU Syvj°¥ NkSpL^jRÕaO¾OÐ kƒU, WÒj]pOU WL¡cV AUYvOU
RIy]RIy]RI mLËV yopL yop°t]¤ Ar]p]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU
v]SipoLp], Syvj°¥ DkSpLY]S¨ºfLeV. Syvj°¥ DkSpLY]ÖÐ WL¡cV
AUY¾]jV(AUY°¥¨V), AvRq yUmÌ]ÖÐfLp I¢Sz¢yVcV ScãL D¥RÕRapOç \]s NkSf|W
v]vq°¥ WÒj] DkSpLY]ÖÐfLReÐ vñOf SmLi]Õ]\ÿORWLºOç SjLŸ}yV, mLiWoLp IsæL
j]po°¥ÖU AjOyq]\ÿV sn]\ÿ]ŸORºÐV WÒj] DrÕO vqOS¾ºfLeV. r]SÕL¡ŸOWtORa
v]wWsj¾]jOU, lp¤ IWõNV aLWVãOW¥ÖU Svº] cT¦SsLcV R\pÅ cLãàOU, Syvj°t]¤ j]ÐOU
JfV DSÇw¾]jOSvº]pOU cT¦SsLcV R\pÅ cLãàOU WÒj]pOU WL¡cV AUYvOU kP¡¹oLpOU
D¾qvLh]pLp]q]ÖÐfLeV. Syvj°tORa DkSpLYU yUmÌ]\ÿV DqO¾]q]pOÐfLp IsæL
RWæp]oOW¥ÖU, mLi|fW¥ÖU WÒj]pOU WL¡cUYvOU RIy]RIy]RI mLË]Rj AkWaqz]foLp]
j]sj]¡S¾ºfLeV. CT \Ÿ¾]R£ DSÇw¾]jLp], RWæp]o]¤ D¥RÕaOÐvp]¤ v|©]Yf kq]¨V,
y~¾Vjì°¥, jLw°¥ (sLn¾]R£ ARsæË]¤ yÒLh|¾]R£ kSqLƒoLp, AjÍqls°tLp,
NkSf|WoLpOç, oLfQWLkqoLp, w]ƒL¡zoLp ARsæË]¤ pLhQé]WoLp jìU) jì°¥, k]uW¥,
35
RRljOW¥, SWyOW¥, R\svOW¥, v]sW¥ (ASãL¡e]pORa l}yV D¥RÕRa) IÐ]v DºLWOU
(""RWæ p ]U'').
""mLÈ|f'' IÐf]R£ A¡ÀU JfO ff~°¥ÖU JfO q}f]p]sOç Nkv¡¾j°¥ÖU W}u]sOçv
JfO mLÈ|fpOU IÐOU, j]po¾]SsL fOs|fp]SsL, D¥RÕRapOU kq]o]f] WPaLRfpOU, WqL¡ ARsæË]¤
WOãWQf|U, AèÈ D¥RÕRa, D¾qvLh]pLp kL¡Ÿ]Rp A¾qU jLwyLÈ|fRpÖr]\ÿV Ar]p]ÕV
j¤W]p]ŸORºË]sOU IÐOU, WPaLRf oãOttvqORa mTÈ]W y~¾vWLw°tORa sUZj¾]jOç mLi|f
D¥RÕRa, ARsæË]¤ oPÐLU Wƒ]WtORa (mLi|f), RWæp]oOWtORa JfO mLi|fpOU (""mLÈ|f'')
IÐOoLeV. WÒj]pORapOU WL¡cUY¾]S£pOU A¾qU Syvj°tORa DkSpLYU, IsæL yop¾OU,
yopL yop°t]¤ SnhYf] R\áRÕŸ q}f]p]sOç v]yL C£¡jLxe¤ KLÕSrã]°V RrYOSsx¢y]jV
v]SipoLp]q]ÖU.
WL¡cV AUY¾]jV Cx|O R\pÅ, WL¡cV AUYvOU WÒj]pOU WPŸLp] mLÈ|òqLp]q]ÖÐ WL¡c]R£
DkSpLYlsoLp] DºLWOÐ WL¡cV A¨Tº]Rs IsæL \L¡²OW¥ÖU KLSqL WL¡cV AUYvOU WPaLRf
WÒj]pOU WPŸLpOU RvSvÿRrpOU mLi|òoLp]q]ÖU. RIy]RIy]RI mLËV WL¡cV A¨Tº]SÓ¤
WL¡cV DkSpLY]\ÿOºLpfLp IsæL \L¡²OWtOSapOU KqO SðãVRo£V, WÒj]¨V Ap\ÿO
RWLaOÖÐfLeV. IÐL¤, WÒj] j]¡Çw]ÖÐkƒU, RIy]RIy]RI mLËV KLSqL WL¡cV
AUY¾]jOU KqO SðãVRo£V Ap\ÿO RWLaOÖÐfLeV. A¾qU SðãVRo£W¥ IsæLU WL¡cV AUY¾]jV
mLiWoLp j]mÌjW¥¨jOyq]\ÿV j]¡mÿÌoLpOU Aa\ÿ]q]S¨ºfLeV. WL¡cV A¨Tº]SÓsOç
IsæL \L¡²OW¥ÖU WÒj]Öç mLÈ|f WÒj]pORa j]¡SÇwNkWLqU SðãVRo£V WL¡cV AUY¾]jV
Ap\ÿO RWLaO¾O IÐfORWLºV KqO fq¾]sOU Ku]vLWOWp]sæ. WÒj] Af]R£ m]sæ]UYV v]sLyU,
mÌRÕSaºfLp jÒ¡, Bwp v]j]op°¥Öç C&Rop]¤ RIc] oOfsLpvp]¤ DºLWOÐ JfO
oLã°tOU DaRj fRÐ RIy]RIy]RI mLË]Rj Ar]p]ÖÐf]jV yÚf]ÖÐO.
WL¡cV rÇV R\á¤ ARsæË]¤ yRy×£V R\á¤
RIy]RIy]RI mLËV Af]R£ kP¡¹ v]Sv\jLi]WLq NkWLqU, WLqeoOºLp]SŸL WLqeU
WPaLRfSpL, Af]R£ nLY¾V pLRfLqO fq¾]sOç mLÈ|fpOU WPaLRf, WL¡cV A¨TºOU JfV
WL¡cOU(WL¡cOWtOU) rÇV R\SpÅ¨LvOÐfLeV. RIy]RIy]RI mLËV JRfË]sOU WL¡cV AUY¾]R£
WL¡cV rÇLÖWpLReË]sOU, WÒj]pORa ASkƒ NkWLqU WL¡cV rÇLÖWpLReË]sOU,
RIy]RIy]RI mLËV WÒj]Rp v]vqU Ar]p]ÖÐfOU, WÒj] RkRŸÐO fRÐ WL¡cV AUYR¾
A¾qU CsæLfL¨¤/rÇL¨¤ Ar]p]S¨ºfOU, CsæLfL¨]p/rÇL¨]p KLSqL WL¡cOU
SwXq]ÖÐf]jLp] kqoLvi] èo]S¨ºfOU, Af]Ss¨Lp], KLSqL WL¡cOU jLsO Wxe°tLp]
oOr]\ÿˆV Af]sOç SzLStLNYLoOU oL®ã]WV RRNðÕOU jw]Õ]¨RÕRŸÐV DrÕV vqO¾] RIy]RIy]RI
mLË]¤ yo¡Õ]S¨ºfOoLeV. WÒj] KÕU/ARsæË]¤ WL¡cV AUYU RIy]RIy]RI mLË]SjLaV
JRfË]sOU WL¡cV AUY¾]jV Cx|O R\pVf WL¡cV JfO yop¾OU WLqeS¾LRaSpL WLqeU
WPaLRfSpL rÇV R\áL¢ ASkƒ]¨LvOÐfOU, 45 (jL¤k¾]AµV) h]vyR¾ SqXLoPsoOç oO¢WP¡
SjLŸ}yV CT v]sLy¾]¤ j¤SWºfOoLeV: RIy]RIy]RI mLËV s]o]ãcV, RIy]RIy]RI mLËV
SlL¦ mLË]UYV Ry£¡, RIy]RIy]RI mLËV av¡, 7&LU j]s, y¡Svÿ jÒ¡ 115/27, SkæLŸV jÒ¡ 12,
jjNWLUYOc, Ryq]s]UYUkç], RRzhqLmLhV & 500032, CÍ|.
WL¡cV CsæLfLÖWSpL/rÇLÖWSpL R\pÅf]jO SwxU WL¡c]SÓsOºLWOÐ IsæL \L¡²OW¥ÖU,
WL¡cV Cv]Ra kqLo¡w]\ÿ v]i¾]¤ RIy]RIy]RI mLË]¤ f]q]\ÿOs]n]ÖU vRqpOU WÒj]
mLÈ|òoLp]q]ÖÐfLeV. WÒj] RIy]RIy]RI mLË]Rj WL¡c]R£ rÇL¨¤ oPsoOºLWOÐfLp
JfV/IsæL jì°¥ÖU (RfãLpSfL ARsæË]¤ or]S\ÿL) mLÈ|fLoO©vOU AkWaqz]fvOoLp]
j]sj]¡¾OÐfLeV. KqO WL¡cV rÇLÖÐf]jLp] WÒj] j¤WOÐ, WÒj]p]Rs S^Ls] AvyLj]Õ]\ÿfLp]
Ar]p]\ÿORWLºOç j]¡SÇw¾]jV, AfV sn]\ÿfLp] yÚf]\ÿORWLºOç Rft]vV yz]fU SqXLoPsU
j¤WL¾kƒU, NkLms|oOºLp]q]¨]sæ.
v]vq°t]SsÖç NkSvwjU
WÒj], RIy]RIy]RI mLË]jV, JfV WL¡cV AUYR¾pOU yUmÌ]ÖÐ So¤v]sLyU,
\OãOkLaOW¥, RfLu]¤ v]vq°¥, ARsæË]¤ A¾qU WL¡cV AUY¾]R£ WL¡cOkSpLYU
oOfspLvRpÖr]\ÿV RIy]RIy]RI mLËV yLiLqe j]sàV ASkƒ]ÖÐ JfV v]vq°tOU
sn|oLS¨ºfLeV. WPaLRf, WÒj] RIy]RIy]RI mLË]jV, ASkƒ]ÖÐ oOràV, A¾q¾]sOç
DkSpLYvOoLp] mÌRÕŸV sn|oLp SqXWtORa SWLÕ]W¥, yzLpW SqXW¥ IÐ]vpOU
36
j¤SWºfLeV. WPaLRf, JfV ASj~xe°tOU, f¡¨°¥, v|vzLqU ARsæË]¤ WL¡cOkSpLYvOoLp]
mÌRÕŸOºLWOÐ j]po jaka]W¥ IÐ]vp]sOU WÒj] RIy]RIy]RI mLËOoLp]
yzWq]ÖÐfLeV.
AvyLj]Õ]¨¤
RIy]RIy]RI mLË]jOU WÒj]ÖU, CT NWo}WqeU, 45 h]vyR¾ SqXLoPsoOç oO¢WP¡ SjLŸ}yV
If]¡ Wƒ]¨V j¤W], AvyLj]Õ]¨LvOÐfLeV. NWo}WqeU AvyLj]Õ]¨¤ WL¡cV A¨Tº]sOç
IsæL WL¡cOWtORapOU rÇL¨s]jV CapLÖÐfLp]q]ÖU.
WL¡cOWtORa rÇL¨¤ mLiWoLWLRf, NWo}Wqe¾]R£ rÇL¨s]jV oOÒOU SwxvOU, KÕU/ARsæË]¤
WL¡cV A¨Tº]sOU DºLp]ŸOç IsæL \L¡²OW¥ÖU, rÇL¨]p WL¡cOW¥ Cv]Ra
Nkf]kLh]\ÿfOSkLRs RIy]RIy]RI mLË]¤ f]q]RW sn]ÖU vRq, WÒj] fOa¡ÐOU
mLÈ|òoLp]q]ÖU.
ykæ]Ro£r] WL¡cOW¥Öç yTWq|U, mLs¢yV NaL¢yVl¡ yTWq|U, RIAx~¡ y¡vÿ}yV, vLe]^|
òLkjLa]òLj¾]sOç C¢ðL¥Ro£V SNkLNYLU oOfsLpv SWL¡ÕSrãV RNWc]ãV WL¡cOW¥¨V
mLiWosæ.
RIy]RIy]RI mLËVs]o]ãcV
r^]Sð¡cV KLl}yV: sL¢cVoL¡¨V, SryV SWLuVyV y¡¨]¥, vScLhq&390 007.
SWL¡ÕSrãV KLl}yV: RIy]RIy]RI mLËV aSvuVy,V mLNÎ WO¡t SWLUkæWy
Võ mLNÎ (CTðV), oOURRm
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37

Malayalam Is Work

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Copyright:

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Malayalam Is Work

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Copyright:

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RNWc]ãV WL¡cV yTWq|°Rt nq]¨OÐ v|vòWtOU j]mÌjWtOU

CT v|vòWtOU j]mÌjWtOU RIy]RIy]RI mLËV s]o]ãc]R£ RNWc]ãV WL¡cV yTWq|°tORa

CIc] qP. 2000

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ks]w 75.61 ks]w 169.97

RoL¾U WOa]ê]W fOW 10224.61 RoL¾U WOa]ê]W fOW 14543.58

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