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 fcuk fdlh bUoSLVeSaV ds vkbZ-,e-lh- dk fctusl
vkbZ-,e-lh dk fctusl ,lksfl;sV cuus ds fy, vkbZ-,e-lh- esa Ýh TokbZfuax djsa vkSj vkbZ-,e-lh- ds fctusl ,lksfl;sV cusaA vkbZ-,e-lh- ds
,lksfl;sV cu dj vkidks dEiuh ds lkjs izksMDV~l 40% rd Discounted Rate ij feyus 'kq: gks tk;saxsA vki ;g izksMDV~l vius nksLrksa ,oa
fj'rsnkjksa dks cspdj vPNh bUde dek ldrs gSaA
,fDVo fctusl ,lksfl;sV ¼,-ch-,-½ %& ;fn vki dEiuh dk fctusl djuk pkgrs gSa rks vkidks ,fDVo fctusl ,lksfl;sV cuuk iM+sxkA
,fDVo ,lksfl;sV cuus ds fy, vkidks TokbZfuax djus ds vxys eghus ds vkf[kjh fnu ¼Dyksftax½ rd 300 ch-oh- dh [kjhnnkjh djuh gksxh ,oa
viuh ikliksVZ lkbZt+ QksVks] vkbZ-Mh çwQ ,oa irs dk çek.k vxys eghus dh Dyksftax rd dEiuh ds gSM vkWfQl esa tek djokuk gksxkA vxj
vki ,slk ugh djrs rks vkidh vkbZ-Mh- jí dj nh tk;sxh vkSj ;fn vkius fdlh Hkh O;fDr dks LikWUlj fd;k gS rks og vkidh viykbZu ds lkFk
tksM+ fn;k tk;sxkA
vkbZ-,e-lh ds ,fDVo fctusl ,lksfl;sV cuus ds ykHk
fjVsy izksfQV 40% rd izksQksZeSUl bUlSfUVo bUde 35% rd LiS'ky bUlSfUVo bUde 15% rd
yhMjf'ki cksul 13% rd VSªofyax Q.M 2% eksVjckbZd Q.M 2% dkj Q.M 2%
gkÅl Q.M 2% vksujsjh cksul 5% rd
lHkh çkWMDV~l ds ch-oh-¼ fctusl okY;we½ fu/kkZfjr fd;s x;s gSaA vkidks bl fctusl }kjk çkIr gksus okyh vkenuh vkids
}kjk izkIr fd;s x;s ch-oh- dh x.kuk ds vk/kkj ij fu/kkZfjr gksrh gSA
dEiuh dk fctusl Iyku tqM+rs tkus okyk ;kfu (Accumulative) Iyku gSA
dEiuh us lHkh izksMDV~l ds fctusl okWY;we fu/kkZfjr fd;s gq,s gSaA vki tks Hkh izksMDV~l dEiuh ls [kjhnsaxs mlds fctusl okWY;we vkidks
feysaxsA vki ftrus Hkh vius fctusl ,lksfl;sV~l cuk;saxs vkSj og ftrus Hkh izksMDV~l [kjhnsaxs muds fctusl okWY;we vkids ,lksfl;sV~l
dks feysaxs vkSj mrus gh fctusl okWY;we vkidks Hkh feysaxs vkSj vkids fctusl ,lksfl;sV~l ds uhps ftrus Hkh ,lksfl;sV~l curs tk;saxs lHkh
ds fctusl okWY;we vkids fctusl okWY;we esa tqM+rs tk;saxs ;kfu Accumulate gksrs tk;saxsA

vkids ftrus vf/kd fctusl okWY;we gksrs tk;saxs vkidk izksfQV ySoy Hkh c<+rk tk;sxkA
tc vki 1]001 fctusl okWY;we dj ysrs gSa rks vkidk izksfQV ySoy 10% gks tk,xk
tc vki 7]501 fctusl okWY;we dj ysrs gSa rks vkidk izksfQV ySoy 20% gks tk,xk tc vki 35% izksfQV ySoy ij
tc vki 25]001 fctusl okWY;we dj ysrs gSa rks vkidk izksfQV ySoy 25% gks tk,xk
tc vki 75]001 fctusl okWY;we dj ysrs gSa rks vkidk izksfQV ySoy 30% gks tk,xk
igq¡p tkrs gSa rks vki lqij
tc vki 1]50]001 fctusl okWY;we dj ysrs gSa rks vkidk izksfQV ySoy 35% gks tk,xk LVkj ,lksfl;sV cu tkrsa gSA
vki tc fdlh Hkh ySoy ij igq¡p tk;saxs rks vkidk ySoy ftUnxh Hkj mlls de ugha gksxkA eku yhft;s vki lqij LVkj ;kfu 35% ySoy
ij igq¡p tkrs gSa rks vkidks vius fctusl okWY;we dk 35% ykHk feysxkA vxj vkids uhps dksbZ Hkh ,lksfl;sV fdlh Hkh ySoy ij igq¡p tkrk
gS rks mlds ySoy vkSj vkids ySoy ds izfr'kr dk vUrj vkidks feysxkA vki vius lkFk ftrus pkgsa ,lksfl;sV~l cuk ldrs gSaA vki
ftrus vf/kd ,lksfl;sV~l cuk;saxs mruk vf/kd ykHk vkidks feysxkA
ilZuy fctusl okWY;we ¼ih-ch-oh-½ %& tc dksbZ ,lksfl;sV viuh vkbZ-Mh- ij izksMDV~l [kjhnsxk rks mu ij feyus okys ch-oh muds
ilZuy fctusl okWY;we ¼ih-ch-oh-½ gksaxsA
ilZuy xzqi fctusl okWY;we ¼ih-th-ch-oh-½ %& vkidh fofHkUu ySXl esa cus ch-oh- vkSj vkids }kjk cuk;s x;s ch-oh vkids ilZuy xzqi fctusl
okWY;we ¼ih-th-ch-oh-½ gksaxsA tc vkidh ySx esa dksbZ ,lksfl;sV DokfyQkbZM lqij LVkj cu tk;sxk rks mlds ch-oh vkids ih-th-ch-oh- esa 'kkfey
ugha gksaxs ysfdu ;fn og mlh eghus 30,000 ih-th-ch-oh ugha cukrk rks mlds ch-oh- vkids ih-th-ch-oh- gksaxsA
QkLV lqij LVkj %& vxj vki fdlh Hkh ,d eghus esa 75,001 ilZuy xzqi fctusl okWY;we cuk ysrs gSa rks vki ml eghus lqij LVkj cu
tk;saxs vkSj vkidk izksfQV ySoy 35% gks tk;sxkA
DokfyQkbZM lqij LVkj %& tc dksbZ Hkh lqij LVkj ,d eghus esa 30,000 ilZuy xzqi fctusl okWY;we cuk ysrk gS rks mls DokfyQkbZM
lqij LVkj dgrs gSaA
flYoj LVkj ,lksfl;sV vokMZ&izksfQV ySoy 38% %& tc vkidk dksbZ Hkh ,d ,lksfl;sV ftl eghus DokfyQkbZM lqij LVkj ,lksfl;sV
cu tkrk gS vxj vki mlh eghus 30,000 ih-th-ch-oh- cuk ysrs gSa rks vki flYoj LVkj ,lksfl;sV cu tk;saxs vkSj vkidk izksfQV ySoy 38% gks
tk;sxk vkSj lkFk esa vki yhMjf'ki cksul ,oa O;oLFkkuqlkj VªSofyax Q.M ds Hkh vf/kdkjh cu tkrs gSaA
yhMjf'ki cksul & 13% %& DokfyQkbZM flYoj LVkj ,lksfl;sV ySoy izkIr djus ds ckn vki vius xzqi ls 5 ySoy uhps (Depth) rd ds
lHkh lqij LVkj ,lksfl;sV~l ds fctusl okWY;we ,oa mlds Åij dk ySoy izkIr dj pqds ,lksfl;sV ds lkbZM fctusl okY;we dk Øe'k %
5%&3%&2%&2%&1% yhMjf'ki cksul izkIr djsaxsA
Vssªofyax Q.M & 2% %& vkbZ-,e-lh- fctusl lHkh flYoj LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds ,lksfl;sV~l dks VSªofyax
Q.M ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2% VSªofyax Q.M ds fy, fu/kkZfjr fd;k x;k gSA tks ,lksfl;sV~l yxkrkj rhu ekg rd
,d DokfyQkbZM lqij LVkj ,lksfl;sV ,oe~ 30,000 ih-th-ch-oh cuk;saxs mUgsa pkSFks eghus ls VSªofyax Q.M feyuk 'kq: gks tk,xkA mlds ckn
tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus VSªofyax Q.M dk vf/kdkjh cu tk,xkA
xksYM LVkj ,lksfl;sV vokMZ & izksfQV ySoy 41% %& tc vkids uhps ,d eghus esa nks vyx&2 ySXl esa nks ,lksfl;sV~l DokfyQkbZM lqij
LVkj cu tk;sxsa rks vki xksYM LVkj ,lksfl;sV cu tk;sxsa vkSj vkidk izksfQV ySoy 41% gks tk;sxk ysfdu yhMjf'ki cksul ,oa O;oLFkkuqlkj
VSªofyax Q.M ,oa eksVj ckbZd Q.M ikus ds fy, vkidks 25000 ih-th-ch-oh djus gksaxsA
eksVjckbZd Q.M & 2% %& vkbZ-,e-lh- fctusl lHkh xksYM LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds ,lksfl;sV~l dks
eksVjckbZd Q.M ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2% eksVj ckbZd Q.M ds fy, fu/kkZfjr fd;k x;k gSA tks ,lksfl;sV~l
yxkrkj rhu ekg rd nks DokfyQkbZM lqij LVkj ,lksfl;sV ,oe~ 25,000 ih-th-ch-oh cuk;sxas mUgsa pkSFks eghus ls eksVj ckbZd Q.M feyuk 'kq:
gks tk,xkA mlds ckn tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus eksVj ckbZd Q.M dk vf/kdkjh cu
tk,xkA
:ch LVkj ,lksfl;sV vokWMZ&izksfQV ySoy 44% %& tc vkids uhps ,d eghus esa pkj vyx&2 ySXl esa pkj ,lksfl;sV~l DokfyQkbZM lqij
LVkj cu tk;sxsa rks vki :ch LVkj ,lksfl;sV cu tk;sxsa vkSj vkidk izksfQV ySoy 44% gks tk;sxk ysfdu yhMjf'ki cksul ,oa O;oLFkkuqlkj
VSªofyax Q.M] eksVj ckbZd Q.M ,oa dkj Q.M ikus ds fy, vkidks 20000 ih-th-ch-oh djus gksaxsA
dkj Q.M & 2% %& vkbZ-,e-lh- fctusl lHkh :ch LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds ,lksfl;sV~l dks dkj Q.M ikus
dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2% dkj Q.M ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy :ch LVkj ,lksfl;sV~l dks dkj Q.M
ikus ds fy, mUgsa yxkrkj 3 ekg rd 4 ySXl ls 4 DokfyQkbZM lqij LVkj ,lksfl;sV cukus gksxsa rFkk 20,000 ih-th-ch-oh Hkh djus gksxsaA mlds
ckn tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus dkj Q.M dk vf/kdkjh cu tk,xkA ysfdu vxj :ch
LVkj ,lksfl;sV dsoy 2 ySXl esa ls 2 DokfyQkbZM lqij LVkj ,lksfl;sV gh cukrk gS ,oa 25,000 ih-th-ch-oh cukrk gS rc Hkh og dkj Q.M ikus
dk vf/kdkjh gksxkA
Mk;e.M LVkj ,lksfl;sV vokMZ & izksfQV ySoy 47% %& tc vkids uhps ,d eghus esa N% ySXl esa N% ,lksfl;sV~l DokfyQkbZM lqij LVkj
cu tk;asxs rks vki Mk;e.M LVkj ,lksfl;sV cu tk;sxsa vkSj vkidk izksfQV ySoy 47% gks tk;sxk ysfdu yhMjf'ki cksul ,oa O;oLFkkuqlkj
VSªofyax Q.M] eksVj ckbZd Q.M] dkj Q.M ,oa gkÅl Q.M ikus ds fy, vkidks 15,000 ih-th-ch-oh djus gksaxsA
gkÅl Q.M & 2% %& vkbZ- ,e- lh- fctusl lHkh Mk;e.M LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds ,lksfl;sV~l dks gkÅl
Q.M ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2% gkÅl Q.M ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy Mk;e.M LVkj ,lksfl;sV~l
dks gkÅl Q.M ikus ds fy, mUgsa yxkrkj 3 ekg rd 6 ySXl ls 6 DokfyQkbZM lqij LVkj ,lksfl;sV cukus gkasxs rFkk 15,000 ih-th-ch-oh Hkh
djus gkasxsA mlds ckn tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus gkÅl Q.M dk vf/kdkjh cu tk,xkA
ysfdu vxj Mk;e.M LVkj ,lksfl;sV dsoy 3 ySXl esa ls 3 DokfyQkbZM lqij LVkj ,lksfl;sV gh cukrk gS ,oa 25,000 ih-th-ch-oh cukrk gS
rc Hkh og gkÅl Q.M ikus dk vf/kdkjh gksxkA
ps;jeSu LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50% %& tc vkids uhps ,d eghus esa vkB vyx &2 ySXl esa vkB ,lksfl;sV~l DokfyQkbZM
lqij LVkj cu tk;sxsa rks vki ps;jeSu LVkj ,lksfl;sV cu tk;sxsa vkSj vkidk izksfQV ySoy 50% gks tk;sxk gks tk;sxk ysfdu yhMjf'ki cksul
,oa O;oLFkkuqlkj VSªofyax Q.M] eksVj ckbZd Q.M] dkj Q.M] gkÅl Q.M] ps;jeSu LVkj ,lksfl;sV vksujsjh cksul ikus ds fy, vkidks
10,000 ih-th-ch-oh djus gksaxsA
ps;jeSu LVkj ,lksfl;sV vksujsjh cksul & 2% %& vkbZ-,e-lh- fctusl lHkh ps;jeSu LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj
pqds ,lksfl;sV~l dks vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2% vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA lHkh
lQy ps;jeSu LVkj ,lksfl;sV~l dks vksujsjh cksul ikus ds fy, mUgsa yxkrkj 3 ekg rd 8 ySXl ls 8 DokfyQkbZM lqij LVkj ,lksfl;sV cukus
gksxsa rFkk 10,000 ih-th-ch-oh Hkh djus gksaxsA mlds ckn tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus
ps;jeSu LVkj ,lksfl;sV vksujsjh cksul dk vf/kdkjh cu tk,xkA ysfdu vxj ps;jeSu LVkj ,lksfl;sV dsoy 4 ySXl esa ls 4 DokfyQkbZM lqij
LVkj ,lksfl;sV gh cukrk gS ,oa 20,000 ih-th-ch-oh cukrk gS rc Hkh og ps;jeSu LVkj ,lksfl;sV vksujsjh cksul ikus dk vf/kdkjh gksxkA
,acSlsMj LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50% ,oa vksujsjh cksul & 1% %& vkbZ-,e-lh- fctusl lHkh ,acSlsMj LVkj ,lksfl;sV~l o
mlls Åij dk ySoy izkIr dj pqds ,lksfl;sV~l dks ps;jeSu LVkj ,lksfl;sV rd ds lHkh ySoy] cksul rFkk Q.M ,oa ,acSlsMj LVkj vksujsjh
cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 1% vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy ,acSlsMj LVkj ,lksfl;sV~l
dks vksujsjh cksul ikus ds fy, yxkrkj 3 ekg rd 10 ySXl ls 10 DokfyQkbZM lqij LVkj ,lksfl;sV~l cukus gkasxs rFkk 10000 ih-th-ch-oh- Hkh
djuss gkasxsA mlds ckn tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul
dk vf/kdkjh cu tk,xkA ysfdu vxj ,acSlsMj LVkj ,lksfl;sV~l dsoy 5 ySXl esa ls 5 DokfyQkbZM lqij LVkj ,lksfl;sV gh cukrk gS
,oa 20,000 ih-th-ch-oh cukrk gS rc Hkh og ,acSlsMj LVkj ,lksfl;sV vokMZ vksujsjh cksul ikus dk vf/kdkjh gksxkA
Økmu ,acSlsMj LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50% ,oa vksujsjh cksul & 1% %& vkbZ-,e-lh- fctusl lHkh Økmu ,acSlsMj LVkj
,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds ,lksfl;sV~l dks ,acSlsMj LVkj ,lksfl;sV rd ds lHkh ySoy] cksul] Q.M ,oa Økmu ,acSlsMj
LVkj vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 1% vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy Økmu
,acSlsMj LVkj ,lksfl;sV~l dks vksujsjh cksul ikus ds fy, mUgsa yxkrkj 3 ekg rd 13 ySXl ls 13 DokfyQkbZM lqij LVkj ,lksfl;sV~l cukus
gksaxs rFkk 10]000 ih-th-ch-oh- Hkh djuss gkasxsA mlds ckn tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus Økmu
,acSlsMj LVkj ,lksfl;sV vksujsjh cksul dk vf/kdkjh cu tk,xkA ysfdu vxj Økmu ,acSlsMj LVkj ,lksfl;sV~l dsoy 7 ySXl esa ls 7
DokfyQkbZM lqij LVkj ,lksfl;sV gh cukrk gS ,oa 15,000 ih-th-ch-oh cukrk gS rc Hkh og Økmu ,acSlsMj LVkj ,lksfl;sV vokMZ vksujsjh
cksul ikus dk vf/kdkjh gksxkA
izSflMSaV LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50% ,oa vksujsjh cksul & 0.5% %& vkbZ-,e-lh- fctusl lHkh izSflMSaV LVkj ,lksfl;sV~l
o mlls Åij dk ySoy izkIr dj pqds ,lksfl;sV~l dks Økmu ,acSlsMj LVkj ,lksfl;sV rd ds lHkh ySoy] cksul] Q.M ,oa izSflMSaV LVkj
vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 0.5% vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy izSflMSaV LVkj
,lksfl;sV~l dks vksujsjh cksul ikus ds fy, yxkrkj 3 ekg rd 16 ySXl ls 16 DokfyQkbZM lqij LVkj ,lksfl;sV~l cukus gksaxs rFkk 10]000
ih-th-ch-oh- Hkh djuss gksaxsA mlds ckn tc Hkh dksbZ ,lksfl;sV ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus izSflMSaV LVkj ,lksfl;sV
vksujsjh cksul dk vf/kdkjh cu tk,xkA ysfdu vxj izSflMSaV LVkj ,lksfl;sV~l dsoy 8 ySXl esa ls 8 DokfyQkbZM lqij LVkj ,lksfl;sV gh
cukrk gS ,oa 10]000 ih-th-ch-oh cukrk gS rc Hkh og izSflMSaV LVkj ,lksfl;sV vokMZ vksujsjh cksul ikus dk vf/kdkjh gksxkA
Økmu izSflMSaV LVkj ,lksfl;sV vokMZ&vksujsjh cksul & 0.5 % %& vkbZ-,e-lh- fctusl lHkh Økmu izSflMSaV LVkj ,lksfl;sV dks izSflMSaV
LVkj ,lksfl;sV rd ds lHkh ySoy] cksul] Q.M ,oa Økmu izSflMSaV LVkj vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 0.5%
vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy Økmu izSflMSaV LVkj ,lksfl;sV~l dks vksujsjh cksul ikus ds fy, mUgsa yxkrkj 3 ekg
rd 20 ySXl ls 20 DokfyQkbZM lqij LVkj ,lksfl;sV~l cukus gksxsa rFkk 10,000 ih-th-ch-oh- Hkh djuss gkasxsA mlds ckn tc Hkh dksbZ ,lksfl;sV
ftl eghus mijksDr ySoy izkIr dj ysxk] og ml eghus Økmu izSflMSaV LVkj ,lksfl;sV vksujsjh cksul dk vf/kdkjh cu tk,xkA ysfdu vxj
Økmu izSflMSaV LVkj ,lksfl;sV~l 10 ySXl esa ls 10 DokfyQkbZM lqij LVkj ,lksfl;sV gh cukrk gS ,oa 10,000 ih-th-ch-oh cukrk gS rc Hkh og
Økmu izSflMSaV LVkj ,lksfl;sV vokMZ vksujsjh cksul ikus dk vf/kdkjh gksxkA

^^MkWDVjsV dh ekun mikf/k** ^^xksYM eSMy ,oa us'kuy vphoeSaV vokMZ**

eysf'k;k esa vkbZ-,e-lh- ds ps;jeSu] ekuuh; Jh v'kksd HkkfV;k th ekuuh; Jh lriky xkslkbZ] LokLF; ,oa ifjokj dY;k.k ea=h] iatkc
dks MkWDVjsV dh mikf/k ls lEekfur fd;k x;kA lEekfur djrs gq,A

^^us’kuy ,DlhySalh vokMZ** ^^mRd`"V varjk"Vªh; miyfC/k** ,f'k;k iSflfQd baVjus'kuy vokMZ
ekuuh; Jh lqjsUnz flag usxh] LokLF; ,oa ifjokj dY;k.k ea=h] FkkbZySaM ds ekuuh; iwoZ mi&iz/kku ea=h ,oa
mrjk[k.M] lEekfur djrs gq,A ekuuh; Hkkjr ds jktnwr cSadkd esa lEekfur djrs gq,A

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