You are on page 1of 93

fo"k; lwph

Ø-la - i` - la -
1- T;ksfrfoZn ds xq.k ,oa drZO; --------------------------------------------------------------------------- 2
2- jkf'k;ksa dk oxhZdj.k vkSj muds xq.k /keZ----------------------------------------------------------------- 4
Future Point

3- xzg % fo'ks"krk,a vkSj oxhZdj.k ---------------------------------------------------------------------- 10


4- ijk'kj ds erkuqlkj n`f"V;ka -------------------------------------------------------------------------- 15
5- ;ksx -------------------------------------------------------------------------------------------------------------------- 18
6- Hkkoksa ds dkjdRo --------------------------------------------------------------------------------------------- 23
7- iz'u dh izÑfr ------------------------------------------------------------------------------------------------- 26
8- yXu vkSj Hkkoksa ds cy ----------------------------------------------------------------------------------- 30
9- ?kVukvksa dk le; fu/kkZj.k---------------------------------------------------------------------------- 32
10- jksxh vkSj jksx -------------------------------------------------------------------------------------------------- 34
11- ;k=k vkSj ;k=h ------------------------------------------------------------------------------------------------ 39
12- pksjh vkSj xk;c lkeku dh okilh --------------------------------------------------------------- 44
13- fookg ----------------------------------------------------------------------------------------------------------------- 54
14- larku ----------------------------------------------------------------------------------------------------------------- 58
15- U;k;k/khu fookn ----------------------------------------------------------------------------------------------- 61
16- ykHk&gkfu --------------------------------------------------------------------------------------------------------- 65
17 jktuhfr ------------------------------------------------------------------------------------------------------------ 78
18- fofo/k iz'u-------------------------------------------------------------------------------------------------------- 81

iz'u T;ksfr"k 1

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&1

T;ksfrfoZn ds xq.k ,oa drZO;


iz'u ekxZ ds jpf;rk ojkgfefgj us vkn'kZ T;ksfr"kh ds xq.k ,oa drZO;ksa dk fo'kn foospu fd;k
Future Point

gSA mldk laca/k dqyhu ifjokj ls gksuk pkfg,] :i jax mÙke gks] os'kHkw"kk lk/kkj.k] 'kjhj ds
vax lqn`<+ vkSj vfoÑr gksa] lR;oknh gks rFkk bZ";kZ vkSj }s"k jfgr gksA
T;ksfrfoZn bZ'oj ds Hktu esa yhu jguk pkfg, rFkk T;ksfr"k ds xf.kr] tkrd vkSj lafgrk dk
fo}ku gksA
T;ksfr"kh dks ,d ckj esa flQZ ,d iz'u dk mÙkj nsuk pkfg,A vxj fofHkUu izdkj ds cgqr ls
iz'u gksa rks izFke iz'u dk mÙkj yXu ls] f}rh; dk panz ls] r`rh; dk lw;Z ls] prqFkZ dk c`gLifr
ls] iape dk cqèk ;k 'kqØ ls ¼nksuksa esa tks vf/kd cyh gks½] NBs dk cqèk ;k 'kqØ ls ¼nksuksa esa tks
fucZy gks½] lkrosa dk dsanz ;k f}rh; Hkko ¼tks Hkh cyh gks½ dks yXu eku dj mÙkj nsuk pkfg,A
T;ksfr"kh dks ,d tkrd ds ,d fo"k; lacaèkh iz'uksa dk gh mÙkj nsuk pkfg,A

iz'udrkZ ds drZO;
T;ksfrfoZn ls vius iz'u dk lVhd mÙkj ikus ds fy, tkrd dks dqN fu;eksa dk ikyu djuk
pkfg,A fo}ku ds izfr tkrd dh bZ'oj ds leku J)k gksuh pkfg,A tkrd vxj xaHkhj vkSj
lR;fiz; ugha gksxk rks T;ksfr"kh dk mÙkj lVhd ugha gksxkA iz'udrkZ dks T;ksfrfoZn ds ikl
[kkyh gkFk ugha tkuk pkfg, vkSj nf{k.kk vo'; nsuh pkfg,A Hkys gh T;ksfr"kh tkrd dk fe=
gks] lEekukFkZ nf{k.kk vo'; nsuh pkfg,A

tkrd dh Hkkouk fu"diV ugha gS vxj %


Û panzek yXu esa gks vkSj lw;Z] cq/k] 'kfu dsanz esa gksaA
Û panz yXu esa] 'kfu dsanz esa gks vkSj cq/k vLr gksA
Û panz yXu esa eaxy vkSj cq/k ls n`"V gksA
Û dksbZ cyh iki xzg yXu ;k lIre Hkko esa fo|eku gksA
Û "k"Bs'k gksdj eaxy vkSj 'kfu yXu esa gksaA
tkrd ds xaHkhj vkSj lR;fiz; gksus ij gh Qykns'k lVhd gks ldrk gSA
2 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
tkrd fu"diV gS vxj %
Û dksbZ cyh 'kqHk xzg yXu esa fLFkr gks ;k mldh yXu ij n`f"V gksA
Û yXus'k vkSj lIres'k ij panz vkSj c`gLifr dh 'kqHk n`f"V gksA
Û dksbZ cyh 'kqHk xzg lIre Hkko esa fLFkr gks ;k mldh lIre ij n`f"V gksA
Û c`gLifr vkSj cqèk lIre esa fLFkr gksaA
Future Point

Û panz vkSj cq/k ij c`gLifr ;k 'kqØ dh n`f"V gksA


Û panz vkSj c`gLifr dsanz ;k f=dks.k esa fLFkr gksaA
mijksDr }kjk u dsoy iz'udrkZ dh bZekunkjh vkSj lR;rk dk irk pyrk gS cfYd iz'udrkZ vkSj
yXu ds cyh gksus dk Kku Hkh gks tkrk gSA vxj yXu vkSj yXus'k fucZy gksa rks T;ksfrfoZn dks
iz'u dk mÙkj ugha nsuk pkfg, D;ksafd foijhr ifj.kke dh vk'kadk gSA
vr% iz'u dk mÙkj nsrs le; yXu] yXus'k vkSj panz dk cy vkaduk pkfg,A yXu T;ksfr"kh dk
ladsrd Hkh gSA yXu vkSj yXus'k ds cy T;ksfrfoZn ds cy ds |ksrd gSaA

iz'u T;ksfr"k 3

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&2

jkf'k;ksa dk oxhZdj.k vkSj muds xq.k /keZ


egf"kZ;ksa us Økafr o`Ùk dks 12 jkf'k;ksa esa foHkä fd;k gS %
Future Point

1- es"k] 2- o`"kHk] 3- feFkqu] 4- ddZ] 5- flag] 6- dU;k] 7- rqyk] 8- o`f'pd] 9- /kuq] 10- edj]
11- dqaHk vkSj 12- ehuA

fofHkUu jkf'k;ksa dh yXu esa fLFkfr dk vFkZ


1- es"k % es"k dk Lokeh eaxy gSA tkrd lfØ;] egRokdka{kh] vkosx'khy] mrkoyk] vkxzgh]
rdZfordZ okyk] vèkhurk Lohdkj u djus okyk] le>kSrk u djus okyk] nq%lkglh] dBksj
vkSj >xM+kyw gksrk gSA
2- o`"k % /kS;Z] lgu'kfDr] u {kek'khy&u Hkwyus okyk] oQ+knkj] gB/kehZA o`"k dk Lokeh 'kqØ gSA
3- feFkqu % feFkqu dk Lokeh cq/k gSA tkrd lkeatL;dkjh] fparkeqDr] izlUu] cspSu] ifjorZu'khy]
Hkze.kfiz;] vfu.kZ;h] dksbZ fu;e ugha] dksbZ fuf'pr vknr ugha] 'kh?kz le>us okyk] mÙke
LokLF; vkSj iztuu 'kfDr okyk gksrk gSA
4- ddZ % jkf'k Lokeh panz gSA tkrd ifjorZu'khy] Hkh:] dYiuk'khy] Hkkoqd] laosnu'khy]
ckrwuh] dwVuhfrK] oQ+knkj] vfrLokFkhZ] egRoiw.kZ rFkk iz'kalkilan gksrk gSA i;kZIr lfØ;
gksrk gSA
5- flag % jkf'k Lokeh lw;Z gS] vr% tkrd vfr egRokdka{kh] lTtu] fo'kky ân;h] mnkj]
vuqjkxh] Li"Voknh] nku'khy] nqfoZpkj u j[kus okyk] xkSjo'kkyh] J)kyq] ckrsa de] pkVqdkfjrk
ilan] f[kykM+h] lëk [ksyus dk 'kkSdhu gksrk gSA dYiuk'kfDr rhoz gksrh gSA dyk vkSj
laxhrizseh gksrk gSA
6- dU;k % jkf'k Lokeh cq/k gSA tkrd vk/;kfRed vkSj fopkj'khy gksrk gSA og fo'oluh;]
'kkar] rukojfgr] vfregRokdka{kk jfgr gksrk gSA og ifjorZu'khy] O;kikfjd izfrHkkoku]
O;ofLFkr] O;kogkfjd] foosd'khy] lQkbZilan gksrk gSA
7- rqyk % jkf'k Lokeh 'kqØ gSA og pkVqdkfjrk fiz;] n;kyq vkSj ohj gksrk gSA udy mrkjus]
ckr dks le>us rFkk rqyuk djus esa izoh.k gksrk gSA og foosd'khy] fu"i{k] dYiuk'khy]
mÙke Hkkouk okyk vkSj foijhr fyax ds O;fDr;ksa dks ilan djus okyk gksrk gSA

4 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
8- o`f'pd % jkf'k Lokeh eaxy gSA tkrd n`<+izfrK] vkRefuHkZj rFkk gj dfBukbZ dk Lo;a
lkeuk djus ;ksX; gksrk gSA og eqagQV ;k nksVwd ckrsa djus okyk gks ldrk gSA og xqIr
fo|k vkSj ijkfo|k vkfn esa :fp ysrk gSA ifjJeh] cqf)eku] vkykspd] vkosxh] laosnu'khy
vkSj cnyk ysus okyk gksrk gSA
9- /kuq % jkf'k Lokeh c`gLifr gSA tkrd QqrhZyk] lfØ; vkSj v/khj gksrk gSA og /kkfeZd vkSj
lR;oknh gksrk gSA nksgjh ekufldrk gksuk laHko gS ftl dkj.k dksbZ QSlyk djus esa nsj gks
Future Point

tkrh gSA lkglh] egRokdka{kh] ykyph vkSj mRlkgh gksrk gSA


10- edj % tkrd izflf) pkgrk gS vkSj egRokdka{kh gksrk gSA og vius {ks= vkSj lekt esa
vPNk uke dekrk gS vkSj usr`Ro djus dh bPNk j[krk gSA ferO;;h] larqfyr] fopkj'khy]
èkS;Zoku gksrk gSA fo?u Mkyus ij Øksf/kr gks tkrk gSA lR;fiz; vkSj bZekunkj gksrk gS ij
dqaMyh nwf"kr gksus ij csbZeku] LokFkhZ] ykyph] vijk/kh izo`fÙk dk gksrk gSA
11- dqaHk % tkrd ijkfo|k esa :fp j[krk gSA fo'ys"k.k 'kfDr mÙke gksrh gS vkSj ekuoh; izÑfr
dk Kkrk gksrk gSA varKkZuh] n;kyq] cqf)eku] lko/kku] lrdZ] fopkj'khy] izxfroknh] uwru
fopkj/kkjk okyk] vuqla/kkuh] fLFkj cqf)] fgEer u gkjus okyk gksrk gSA foKku esa :fp gksrh
gS A
12- ehu % tkrd 'kkar] vkjkeilan gksrk gSA laosnu'khy gksrk gS vkSj 'kh?kz nwljksa ds izHkko esa
vk ldrk gSA LofIuy] fopkjd] bZekunkj] nksVwd ckr djus okyk] n;kyq] {kek'khy] vfr
mnkj] e/kqj opu okyk] lkekftd dk;ks± esa #fp j[kus okyk gksrk gSA

jkf'k;ksa dk oxhZdj.k
jkf'k;ka tkrd dh eukso`fÙk dh lwpd gSaA os pj] fLFkj vkSj f}LoHkko gksrh gSaA
pj jkf'k;ka % es"k] ddZ] rqyk vkSj edj
fLFkj % o`"k] flag] o`f'pd] dqaHk
f}LoHkko % feFkqu] dU;k] /kuq] ehu
1- pj jkf'k % tkrd cfgeqZ[kh] lkekftd] lfØ; gksrs gSa rFkk ifjorZu ilan djrs gSaA
2- fLFkj jkf'k % tkrd vareqZ[kh gksrs gSa rFkk ifjorZu esa #fp ugha j[krs gSaA os /khes exj vkxs
c<+us okys gksrs gSaA fparu'khy vkSj vius fopkjksa esa eXu jgrs gSaA lkekftd laidks± esa #fp de
gksrh gSA okLrfodrk ls eqag eksM+us dh dksf'k'k djrs gSaA ftíh LoHkko jgrk gSA
3- f}LoHkko jkf'k % tkrd esa mijksDr xq.kksa dk feJ.k gksrk gSA

iz'u T;ksfr"k 5

www.futurepointindia.com www.leogold.com www.leopalm.com


jkf'k;ksa ds rRo
vfXu % es"k] flag] /kuq
i`Foh % o`"k] dU;k] edj
ok;q % feFkqu] rqyk] dqaHk
ty % ddZ] o`f'pd] ehu
Future Point

vfXu % vfXu jkf'k;ksa ds tkrd n`<+] vkxzgh] lkglh vkSj mRlkgh gksrs gSaA os lfØ;]
egRokdka{kh] Lora= fpard gksrs gSaA
Û i`Foh jkf'k;ksa ds tkrd /khes exj lrr dk;Z'khy] Lo;a dh j{kk djus okys] gBh] p;u'khy
vkSj viO;;h gksrs gSaA os fLFkj gksrs gSa vkSj èku] oLrq] vfèkdkj vkSj vksgns ls izse djrs gSaA
os lkoèkku] O;kogkfjd] iwokZuqeku djus okys] O;ofLFkr vkSj vYiO;;h gksrs gSaA
Û ok;q jkf'k;ksa ds tkrd izlUufpÙk] laxhr vkSj dyk izseh gksrs gSaA os mnkj] feyulkj]
lkglh] lgkuqHkwfriw.kZ] ifj"Ñr O;ogkj okys] n;kyq] fopkjd vkSj dYiuk'khy gksrs gSaA
Û ty jkf'k;ksa ds O;fDr Hkh:] vfØ; gksrs gSaA dYiuk'kfDr mÙke exj 'kjhj ls nqcZy gksrs
gSaA laosnu'khy] Hkkoqd vkSj rqudfetkt gksrs gSaA
ldkjkRed@fo"ke jkf'k;ka % es"k] feFkqu] flag] rqyk] /kuq vkSj dqaHkA bUgsa iq:"k jkf'k;ka Hkh
dgrs gSaA
bu jkf'k;ksa ds tkrd lfØ;] gB/kehZ] mRlkgh] lkglh] vkØked] n`<+izfrK gksrs gSaA
udkjkRed@le jkf'k;ka % o`"k] ddZ] dU;k] o`f'pd] edj vkSj ehuA bUgsa L=h jkf'k Hkh dgrs
gSaA tkrd fuf"Ø;] lqj{kkRed vkSj ijk/khu izÑfr ds gksrs gSaA
mÙkjh jkf'k;ka % es"k ls dU;k rd
nf{k.kh jkf'k;ka % rqyk ls ehu rd
fo"kqo jkf'k;ka % es"k vkSj rqyk
m".k dfVca/kh jkf'k;ka % ddZ vkSj edj
Qyizn jkf'k;ka % ddZ] o`f'pd vkSj ehuA
;s jkf'k;ka lQyrk vkSj vkdka{kkvksa dh iw.kZrk dh |ksrd gSaA
v/kZQyizn jkf'k;ka % o`"k] /kuq] rqyk vkSj edjA
fu"Qy jkf'k;ka % es"k] feFkqu] flag vkSj dU;kA bu tkrdksa ds iz;kl lQy ugha gksrs gSaA

6 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
ewd jkf'k;ka % ddZ] o`f'pd vkSj ehuA tkrdksa esa ifjgkj ¼ozr&miokl½ dh 'kfDr gksrh gSA
fgald jkf'k;ka % es"k vkSj o`f'pdA tkrd izR;sd dk;Z esa vrho lkgl dk ifjp; nsrs gSa vkSj
Hk; ls vufHkK jgrs gSaA
uj jkf'k;ka % feFkqu] dU;k] rqyk] dqaHk vkSj /kuq dk iwokZ/kZA ;s jkf'k;ka yXu esa gksus ij cgqr
'kfDr'kkyh gksrh gSaA
prq"ikn jkf'k;ka % es"k] o`"k] flag] /kuq dk mÙkjk/kZ] edj dk iwokZ/kZA ;s jkf'k;ka n'ke Hkko esa
Future Point

gksus ij l'kDr gksrh gSaA


dhV jkf'k;ka % o`f'pd dhV jkf'k gSA ;g lIre Hkko esa cyh gksrh gSA
ty jkf'k;ka % ddZ] edj dk mÙkjk/kZ vkSj ehuA ;s jkf'k;ka prqFkZ Hkko esa cyh gksrh gSaA
'kq"d jkf'k;ka % o`"k] feFkqu] dU;k vkSj dqaHkA
'kh"kksZn; jkf'k;ka % feFkqu] flag] dU;k] rqyk] o`f'pd vkSj dqaHk
i`"Bksn; jkf'k;ka % es"k] o`"k] ddZ] /kuq] edj
mHk;ksn; jkf'k % ehu
jkf= esa cyh jkf'k;ka ¼lw;kZLr ls lw;ksZn; rd½ % es"k] o`"k] feFkqu] ddZ] /kuq vkSj edj
fnu esa cyh jkf'k;ka % flag] dU;k] rqyk o`f'pd vkSj dqaHk ¼lw;ksZn; ls lw;kZLr rd½
/kqa/kys izdk'k esa cyh jkf'k % ehu

fn'kk
es"k vkSj o`"k iwoZ
feFkqu nf{k.k&iwoZ
ddZ vkSj flag nf{k.k
dU;k nf{k.k&if'pe
rqyk vkSj o`f'pd if'pe
/kuq mÙkj&if'pe
edj vkSj dqaHk mÙkj
ehu mÙkj&iwoZ

iz'u T;ksfr"k 7

www.futurepointindia.com www.leogold.com www.leopalm.com


erkarj ls
es"k] flag vkSj /kuq iwoZ
o`"k] dU;k vkSj edj nf{k.k
feFkqu] rqyk vkSj dqaHk if'pe
ddZ] o`f'pd vkSj ehu mÙkj
Future Point

mÙkj iwoZ iwoZ nf{k.k iwoZ

mÙkj nf{k.k

mÙkj if'pe if'pe nf{k.k if'pe

âLo jkf'k;ka % edj ls feFkqu rd ¼nksuksa blesa lfEefyr gSa½A olar laikr ds nksuksa vksj 900A
bls mÙkjk;.k dgrs gSaA
nh?kZ jkf'k;ka % ddZ ls /kuq rd ¼nksuksa blesa lfEefyr gSa½A 'kjn laikr ds nksuksa vksj 900 A
bls nf{k.kk;.k dgrs gSaA
y?kq vkdkj jkf'k;ka % es"k] o`"k vkSj dqaHk dk vkdkj y?kq gksrk gSA
e/;e vkdkj jkf'k;ka % feFkqu] ddZ] /kuq] edj vkSj ehu dk vkdkj e/;e gksrk gSA
nh?kZ vkdkj jkf'k;ka % flag] dU;k] rqyk] o`f'pd dk vkdkj nh?kZ gksrk gSA
/kkrq jkf'k;ka % es"k] ddZ] rqyk vkSj edj
ewy jkf'k;ka % o`"k] flag] o`f'pd vkSj dqaHk
tho jkf'k;ka % feFkqu] dU;k] /kuq vkSj ehu
czkã.k jkf'k;ka % ddZ] o`f'pd] ehu

8 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
{kf=; jkf'k;ka % es"k] flag] /kuq
oS'; jkf'k;ka % o`"k] dU;k] edj
'kwnz jkf'k;ka % feFkqu] rqyk] dqaHk
v/kkseq[k jkf'k;ka % ftl jkf'k esa lw;Z fLFkr gks rFkk lw;Z jkf'k ls 4] 7] 10 oha jkf'k;kaA ;s
jkf'k;ka uhps n`f"V Mkyrh gaSA
Future Point

Å/oZ eq[k jkf'k;ka % lw;Z jkf'k ls 3] 6] 9] 12 oha jkf'k;kaA ;s jkf'k;ka Åij dh vksj n`f"Vikr
djrh gSaA
fr;Zdeq[k jkf'k;ka % vxy&cxy ;k lkeus n`f"V Mkyus okyh jkf'k;kaA lw;Z jkf'k ls 2] 5] 8]
11 jkf'k;ka A
jkf'k;ksa ds jax
es"k yky
o`"k 'osr
feFkqu xgjk gjk
ddZ ykyh fy, 'osr
flag ?kwlj
dU;k jax fcjaxk
rqyk dkyk
o`f'pd lqugjk ihyk
/kuq ykyh fy, lqugjk
edj fefJr jax
dqaHk Hkwjk
ehu lQsn

iz'u T;ksfr"k 9

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&3
xzg % fo'ks"krk,a vkSj oxhZdj.k
lw;Z % lw;Z firk] lkgl] dk;Z 'kfDr] ÅtkZ] O;fäRo] vf/kdkj] lkfRod izÑfr dk dkjd gSA lw;Z ls
Future Point

izHkkfor tkrd dk psgjk fo'kky vkSj xksy] vka[kksa dk jax 'kgn tSlk gksrk gSA tkrd egRokdka{kh]
lkglh] mnkj gksrk gSA
panz % panz ekrk] efLr"d vkSj rjy inkFkks± dk dkjd gS] lkSE;rk] lkfRod izÑfr] izes ] dYiuk vkSj
fopkjksa dk ladrs d gSA ifjorZu'khyrk] vf/kd ;k=k] ikfjokfjd thou] O;fDrxr vkSj xqIr lac/a k]
efgykvksa ds o{k] ekfld /keZ] lkSUn;Z] vka[ks]a tyh; LFkku tSls >hy] ufn;ka] leqnz] ukSdk;u vkfn
dk ifjpk;d gSA euksjt a u] laxhr] dyk vkfn panz dks fiz; gaSA panz dk jRu eksrh] /kkrq pkanh] jax 'osr
gSAa dQ vkSj okr dk dkjd gSA
eaxy % NksVs HkkbZ vkSj cgu] ÅtkZ] lkgl] ohj] egRokdka{kh] vkosx'khy] mRlkg] lgu'khyrk] mnkj]
tksf[keiw.kZ dk;Z] Lora= dk;Z] tk;nkn] vfXu ;k Hkêh;qDr dkj[kkus] nq?kZVuk] 'kY; fpfdRlk] vkx]
>xM+s vkSj pksjh dk ladrs d gSA
cq/k % cqf)eÙkk] ekufld ;ksX;rk] lkeatL;] mÙke Lej.k 'kfDr] efLr"d lfØ; gksrk gS ij ,dkxzrk
dqN deA tkrd ds efLr"d esa cgqr ls fo"k;ksa dh rjQ /;ku jgrk gSA nwljksa }kjk 'kh?kz izHkkfor
gks tkrk gSA [kxksy 'kkL=] T;ksfr"k vkSj foKku esa vf/kd :fp jgrh gSA dyk vkSj mRiknu esa izoh.k]
vkKkdkjh] f'k"V vkSj mRlkgh gksrk gSA cq/k dh fLFkfr ldkjkRed gks vkSj c`gLifr ds lkFk ;qfr gks
rks tkrd mPPkkf/kdkjh vkSj mPpdksfV dk fopkjd gksrk gSA fcuk f'k{kd ds Kku izkfIr esa l{ke]
i;ZVd] xf.krK] oSKkfud] odhy] ifj/kku fuekZrk] eqnd z ] izdk'kd] oDrk] jktnwr] fyfid] lan's kokgd]
fo|ky; ds iqLrdky;] lnuA cq/k ds fucZy ;k nwf"kr gksus ij tkrd HkqyDdM+] dVqopu okyk] vfiz;
gksrk gS vkSj nwljksa dk etkd mM+krk gSA
c`gLifr % vk'kkiw.kZ] izlUufpÙk O;fDrRoA tkrd vf/kd fe=ksa okyk vkSj yksdfiz; gksrk gSA lekt
esa izfr"Bk vkSj thou esa lQyrk feyrh gSA /kkfeZd dk;ks± esa :fpA c`gLifr foosd dk lwpd gS tcfd
cq/k cqf) dk cks/k djkrk gSA vxj bu nksuksa dh ;qfr gks ;k ;s dsna z esa fLFkr gksa rks tkrd lqf'kf{kr]
cqf)eku] rhoz n`f"V okyk] dq'ky oDrk] mPp pfj=oku] vk/;kfRed] n;kyq] {kek'khy rFkk ekuo ek=
ls izes djus okyk gksrk gSA /kkfeZd vkSj bZ'oj esa J)koku gksrk gSA ijaijkvksa dk fuokZg djrs gSAa
o`gLifr U;k;k/kh'k] odhy] izk/;kid] /keZxq#] ea=h] iz'kkld] cSd a vf/kdkjh] dj foHkkx vkfn dk
ladrs d gSA egyksa esa dke djus okys] m|ku] vnkyr vkfn dk Hkh izfrfuf/k gSA 'kgn] rsy] js'ke]
oL=] ?kksMs+ vkSj ikyrw if{k;ksa dk ladrs d gSA

10 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
c`gLifr ds nwf"kr gksus ij ;g vkradokfn;ks]a fQtwy[kpZ] xSjftEesnkjh] erHksn] tqvk] BkVckV] xyr
vkdyu] nqHkkZX;] fu/kZurk] eqdnes vkSj vyksdfiz;rk dk dkjd cu tkrk gSA
'kqØ % 'kqØ vuqdy w gksus ij O;fDrRo vkSj efLr"d mÙke gksrs gSAa 'kq Ø jktfld xzg gSA og lHkh
lkalkfjd dk;ks± dk fu;a=d gSA og iRuh] iz.k;] dke&okluk] euksjt a u dk izfrfuf/k gSA dykÑfr;ka]
lqxfa /kr inkFkZ] ?kksM]s+ xkM+h] okgu] pfj= dk ladrs d gSA oL=] QuhZpj vkSj lktlTtk esa lq:fp]
vkjke dh oLrqvksa dk drkZ gSA u`R;] laxhr] js'keh oL=] vkHkw"k.k] d'khnkdkjh] pqca u] 'k¸;k lq[k vkSj
Future Point

izhfrHkkst vkfn dk izfrfuf/k gSA


'kqØ ds ihfM+r gksus ij tkrd vfrdkeh] pfj=ghu gksrk gSA fuEudksfV dh fL=;ka vkSj is;] vHknz
lkFkh] tqvk vkSj fuEu dk;Z mlds thou ds vax gksrs gSAa
'kfu % 'kfu ls izHkkfor gksus ij tkrd yacs dn dk] iryk] vkylh] lkaoys jax dk] lkjs 'kjhj ij
:[ks cky] dq:i nkar okyk gksrk gSA 'kfu ds dkj.k tkrd de mez esa cw<k+ fn[kkbZ nsrk gS] cky lQsn
gks tkrs gSAa tkrd dYiuk'khy] lko/kku] 'kkar] ,dkarfiz;] /kS;Zoku] ifjJeh] v/;;udrkZ] oQ+knkj
gksrk gSA
nwf"kr gksus ij tkrd bZ";kZyq] vlR;oknh] vkylh] >wBk] csbZeku] vlarq"V gksrk gSA 'kfu taxyksa esa dke
djus okys] futZu LFkku] iqjkus fxtsZ] eafnj] th.kZ&'kh.kZ Hkou] ukfy;ka] ey&ty vkfn dk izfrfuf/k
gSA nh?kZ thou] oSKkfud] vuql/a kkudrkZ] [kkstdrkZ] ns'kHkDr] nk'kZfud] /kkfeZd usrk] lekt lq/kkjd]
ys[kd vkfn dk dkjd gSA ys[kd us bl iqLrd dk ys[ku cq/k egkn'kk esa 'kfu varnZ'kk esa izkjaHk
fd;kA
jkgq % yxHkx lHkh T;ksfrfoZnksa us jkgq o dsrq dk o.kZu lkFk&lkFk fd;k gSA dsoy ukjk;.k Hkê vkSj
dkfynkl us mUgsa i`Fkd j[kk gS D;ksfa d mudh dk;Zfof/k Lora= gksrh gSA muds ifj.kke LFkku] jkf'k
ds Lokfe;ks]a ;qfr djus okys ;k n`"Vk xzgksa ds vuqlkj gksrs gSAa
dsrq % jkgq ds xq.kksa ds leku gh dsrq dh dk;Z iz.kkyh gksrh gSA nksuksa dks vyx ugha fd;k tk ldrkA
os ,d /kqjh dk fuekZ.k djrs gSa ftlds pkjksa vksj lai.w kZ thou ?kwerk gSA muds chp esa 1800 dh nwjh
gksrh gSA vf/kdka'kr% ;s oØh gksrs gS]a dHkh Hkh vLr ugha gksrAs
dsrq dh iki xzg ls ;qfr gksus ij iki xzg vf/kd v'kqHk gks tkrk gSA 'kqHk xzg ls ;qfr gksus ij ckèkk,a
mRiUu gks tkrh gS vkSj 'kqHk Qyksa dk uk'k gks tkrk gSA
1- iq:"k xzg % lw;Z] eaxy] c`gLifr
L=h xzg % panz] 'kqØ] jkgq
uiql
a d xzg % cq/k] 'kfu] dsrq
'kfu iq#"k&uiql
a d vkSj cq/k L=h&uiql
a d ekus tkrs gSAa
2- 'kq"d xzg % lw;Z] eaxy] 'kfu
tyh; xzg % 'kqØ] panz
iz'u T;ksfr"k 11

www.futurepointindia.com www.leogold.com www.leopalm.com


3- fLFkj xzg % c`gLifr] 'kfu] jkgq
pj xzg % lw;Z] panz] eaxy
f}LoHkko xzg % cq/k] 'kqØ
4- èkkrq xzg % panz] eaxy] 'kfu] jkgq ¼HkwxHkhZ;½
ewy xzg % lw;Z] 'kqØ
Future Point

tho xzg % cq/k] c`gLifr


5- jax vkSj Lokn
xzg jax Lokn /kkrq
lw;Z xgjk yky rhrk rkack
panz lQsn uedhu pkanh
eaxy gYdk yky dM+ok rkack@lksuk
cq/k gjk fefJr ihry
c`gLifr ihyk@lQsn ehBk lksuk@pkanh
'kqØ gYdk dkyk [kêk eksrh
'kfu dkyk dM+ok ¼fefJr½ yksgk
6- tkfr
c`gLifr % lkfRod czkã.k
'kqØ % jktfld czkã.k
lw;Z % lkfRod ;ks)k
7- fLFkj dkjd
lw;Z % vkRek@Lo;a] firk
panz % efLr"d] ekrk
eaxy % lkgl] NksVs HkkbZ&cgu
cq/k % oDrRo{kerk] cqf)eÙkk
c`gLifr % foosd] izlUurk
'kqØ % 'kqØ] iztuu 'kfDr
'kfu % nq[k
12 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
xzg mPp dk] Lox`gh] ewy f=dks.k] oxksZÙke ;k 'kqHk xzg }kjk n`"V] v'kqHk xzg }kjk vn`"V vkfn gksus
ij mlds xq.k c<+ tkrs gSAa exj 'kfu ds ckjs esa foijhr fu;e ykxw gksrs gSAa 'kfu cyh gksus ij nq%[kksa
dk gj.k djrk gS] fucZy gksus ij nq%[k c<+ tkrs gSAa dqN fo}kuksa ds er ls tc 'kfu fucZy gskrk gS
rks mlesa nq%[k nsus dh 'kfDr ugha jgrh gS] ijarq fucZy xzg mu Hkkoksa dk Qy nsus esa v{ke gks tkrk
gS] ftudk og Lokeh gSA
8- lw;Z] eaxy] 'kfu] jkgq] dsrq] fucZy panz vkSj nwf"kr cq/k v'kqHk xzg gSAa
Future Point

c`gLifr] 'kqØ] iwf.kZek dk panz] 'kqHk xzgksa ls ;qr ;k n`"V cqèk 'kqHk xzg gSA panzek i{kcy ds vuqlkj cyh
;k fucZy gksrk gSA
fn'kk,a
lw;Z & iwoZ
eaxy & nf{k.k
c`gLifr & mÙkj&iwoZ
'kfu & if'pe
panz & mÙkj
'kqØ & nf{k.k&iwoZ
jkgq@dsrq & nf{k.k&if'pe
vkÑfr
lw;Z & vk;r] oxZ] lekarj prqHkqZt] leprqHkqZt
panz & fNnz;qDr [kks[kyk
cq/k & Åapk] yack
c`gLifr & xksy] o`Ùkkdkj
'kqØ & lqna j] vPNh yackbZ
'kfu & [kks[kyk vkSj yack ¼Ñ'kdk;] Dykar½
vkÑfr }kjk [kks;s leku dh vkÑfr tkuus esa lgk;rk feyrh gSA
fuokl
lw;Z] eaxy] 'kfu] jkgq ou] ioZr] [kuu LFkku
panz] 'kqØ tyh; LFkku] rkykc] unh] dq,a
cq/k] c`gLifr flusek x`g] uxj] m|ku] xkaoa

iz'u T;ksfr"k 13

www.futurepointindia.com www.leogold.com www.leopalm.com


jkgq@dsrq >kfM+;ka
le;
'kfu ,d o"kZ
lw;Z 6 ekl ¼v;u½
cqèk 2 ekl ¼_rq½
Future Point

c`gLifr 1 ekl
'kqØ 15 fnu ¼i{k½
eaxy 1 fnu
panz 48 feuV ¼eqgrw Z½] iy
jkgq 8 ekl
dsrq 2 ekl
'kjhj ij fpà] eLlk vkfn
lw;Z] eaxy] c`gLifr] cq/k 'kjhj ds nk;sa Hkkx ij fu'kku cukrs gSAa
panz] 'kqØ] 'kfu] jkgq@dsrq 'kjhj ds ck;sa Hkkx ij fu'kku cukrs gSAa

14 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
vè;k;&4
ijk'kj ds erkuqlkj n`f"V;ka
izR;sd xzg ftl Hkko esa fLFkr gS] mlls 7osa Hkko ij n`f"V Mkyrk gSA blds vfrfjDr] c`gLifr 5 osa
Future Point

vkSj 9osa Hkko ij] 'kfu 3js vkSj 10osa Hkko ij] eaxy 4Fks vkSj 8osa Hkko ij n`f"V Mkyrs gSAa
geus vkaf'kd n`f"V;ksa ij è;ku ugha fn;k gS] dsoy iw.kZ n`f"V;ksa dk iz;ksx fd;k gSA
n`"Vk xzg uSlfxZd 'kqHk ;k yXukuqlkj 'kqHk gksus ij ftl Hkko ;k xzg ij n`f"V Mkyrk gS mudh 'kqHkrk
c<+k nsrk gSA uSlfxZd v'kqHk ;k yXukuqlkj v'kqHk gksus ij bldh n`f"V v'kqHk ekuh tkrh gSA
6] 8 ;k 12osa Hkko ds Lokeh xzg dh n`f"V xzg ds uSlfxZd 'kqHk gksus ij Hkh v'kqHk ekuh tkrh gSA

egf"kZ ijk'kj ds vuqlkj


f=dks.kifr ¼1] 5] 9½ 'kqHk gksrs gSa
Û 3] 6] 11 Hkko ds Lokeh v'kqHk gksrs gSa
Û dsna z ¼4] 7] 10½ ds Lokeh le gksrs gSa
Û yXu dsna z vkSj f=dks.k nksuksa gksrk gS] vr% yXukf/kifr ;ksx dkjd gksrk gSA
Û v"Ves'k v'kqHk gksrk gSA
Û 2 vkSj 12 Hkko ds Lokeh le gksrs gSAa

rkftd@if'peh n`f"V;ka
if'peh T;ksfr"k ds vuqlkj nks xzgksa ds eè; n`f"V;ka muds chp dh nwjh ds vuqlkj ekuh tkrh gSA
tc dksbZ xzg fdlh xzg ls fuf'pr va'k ij gks rks n`f"V gksrh gSA
;qfr % tc nks xzg leku va'kksa ij gksAa
fo;qfr % tc nks xzgksa esa 1800 dk varj gksAa
f=dks.k % nks xzgksa esa 1200 dk varj gksA
dks.k % nks xzgksa esa 900 dh nwjh gksA
lSDlVkby % nks xzgksa esa 600 dh nwjh gksA
v/kZ lSDlVkby % nks xzgksa esa 300 dh nwjh gksA

iz'u T;ksfr"k 15

www.futurepointindia.com www.leogold.com www.leopalm.com


xzg ds mijksDr of.kZr nwjh ls FkksMk+ nwj gksus ij Hkh n`f"V ds izHkko dk vuqHko gksrk gSA vxj ge fdlh
xeZ inkFkZ ds fudV viuk gkFk yk;sa rks xehZ dk vuqHko gksrk gSA blh izdkj nks xzgksa ds chp ftl
nwjh ls n`f"V dk vuqHko gksrk gS mls n`f"V lhek dgrs gSAa

n`f"V lhek
;qfr ds fy, 80] dks.k ds fy, 80 v'kqHk n`f"VA
Future Point

lSDlVkby ds fy, 70] f=dks.k ds fy, 80 'kqHk n`f"VA


n`f"V dk izHkko] mnkgj.kkFkZ f=dks.k dk izHkko tc xzg 1120 dh nwjh ij gks izkjaHk gks tkrk gS rFkk 1200
ij vf/kdre gksrk gSA blds ckn izHkko de gksuk 'kq: gks tkrk gS rFkk 1280 ij 'kwU; gks tkrk gSA
fganw T;ksfr"k ds vuqlkj n`f"V lhek dqN vkSj gksrh gSA uhydaB iz'ura= ds vuqlkj] fofHkUu xzgksa dh
n`f"Vlhek fuEu gSa %
xzg n`f"V lhek
lw;Z 150
panz 120
eaxy 80
cq/k 70
c`gLifr 90
'kqØ 70
'kfu 90
gesa xzg ds xq.k ds lkFk&lkFk n`f"V ds xq.k ij Hkh /;ku nsuk pkfg,A

2 12
lw;Z 200 panz 200 panz lw;Z 'kq- 'k-
0 1
'kfu 20 3 11
'kqØ 200 xq#
dqaMyh 1 4 10
0 0
xq#20 eaxy 20
eaxy 9
7
5 8
cqèk 200 6 cq/k

16 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
lw;Z vkSj panz] panz vkSj eaxy lSDlVkby n`f"V;ksa esa gSAa lw;Z vkSj eaxy] panz vkSj 'kfu] panz vkSj 'kqØ
f=dks.k n`f"V;ksa esa gSAa 'kqØ vkSj eaxy] 'kfu vkSj eaxy fo;qfr esa gSAa eaxy vkSj cq/k] cq/k vkSj 'kfu]
cq/k vkSj 'kqØ] lw;Z vkSj c`gLifr dks.k esa gSAa 'kfu vkSj 'kqØ ;qfr esa gSAa
nks xzgksa dh n`f"Vlhek dks vkadus ds fy, nksuksa xzgksa dh n`f"Vlhek dks tksM+ nsa vkSj 2 ls Hkkx ns dj
vkSlr fudky ysAa vxj lw;Z 0@100 vkSj eaxy 4@200 esa gSa rks lw;Z vkSj eaxy esa f=dks.k n`f"V gS
Future Point

vkSj os 100 dh nwjh ij gSAa vc ns[ksa fd D;k lw;Z vkSj eaxy izHkko dh lhek esa gSAa lw;Z dh n`f"Vlhek
150 vkSj eaxy dh n`f"Vlhek 80 dk vkSlr 12-50 gS] vr% lw;Z vkSj eaxy n`f"V ds izHkko esa gSAa xzg
vxj vkSlr n`f"Vlhek esa ugha gksa rks okLrfod n`f"VizHkko ugha gksrkA bls IykfLVd izHkko dgrs gSAa
xzgksa esa nwjh de gksus ij n`f"V izHkko vf/kd gksrk gSA
lkekU;r% if'peh T;ksfrfoZnksa dh rjg 80 dh n`f"Vlhek iz;ksx esa yk;h tkrh gSA v/kZ lSDlVkby vkSj
lSDlVkby n`f"V;ksa ds fy, 60 dh n`f"Vlhek iz;ksx esa yk;h tkrh gSA

lw;Z 30 2 12
eax- 200 3 lw;Z
eaxy
1 11
dqaMyh 2 4
10
7 9
5 8
6

eku yhft, lw;Z 30 vkSj eaxy 200 ij yXu esa fLFkr gSAa Åijh rkSj ij ;qfr gS exj nksuksa esa 170 dh
nwjh gS] tks vkSlr n`f"V lhek 12-50 ;k 80 ls vf/kd gS] vr% ;qfr ugha ekuh tk,xhA

iz'u T;ksfr"k 17

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&5

;ksx
rkftd ;ksx
Future Point

rkftd i)fr esa dqN vyx izdkj dh n`f"V;ksa dk mi;ksx fd;k tkrk gS tks cgqr lVhd gSa ;|fi
rkftd ;ksx okf"kZd Hkfo";dFku esa iz;qDr gksrs gSa exj iz'u T;ksfr"k esa Hkh lgk;d fl) gq, gSAa
1- bRFklky ;ksx
2- b'kjkQ+ ;ksx
3- uDr ;ksx
4- dacy
w ;ksx
5- jí ;ksx
6- e.kÅ ;ksx
7- [kYyklkj ;ksx

1- bRFklky ;ksx
bRFklky ;ksx dk fuekZ.k rc gksrk gS tc rhozxfr vkSj de Hkksxka'k okyk xzg eanxfr vkSj vf/kd
Hkksxka'k okys xzg ls ihNs gksA
tc bRFk'kky 1@20 ds chp gks rks mls eqRFklhy ;ksx dgrs gSa tks vfr 'kqHk gSA lkekU;r% bRFklky
'kqHk ;ksx ekuk tkrk gS exj okLro esa ges'kk ,slk ugha gksrkA 'kqHk ;k v'kqHk gksuk nksuksa xzgksa ds
uSlfxZd xq.k] muds Hkkoksa ds LokfeRo vkfn ij fuHkZj djrk gSA bl ;ksx ds ?kfVr gksus ij okafNr
Qy iw.kZ gksus dh vk'kk jgrh gSA
vko';dr 'krs± %
Û rhoz xfr] de Hkksxka'k okyk xzg ean xfr] vf/kd Hkksxka'k okys xzg ls ihNs gksA
Û nksuksa xzgksa esa ijLij n`f"V gksA
Û ;s xzg n`f"Vlhek esa fLFkr gksAa
O;ogkj esa bRFklky dk iz;ksx yXus'k vkSj dk;sZ'k ds e/; esa vf/kd fd;k tkrk gS vFkkZr yXus'k vkSj
okafNr Qy dkjd ds Hkko ds Lokeh ds chp esAa

18 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
eku yhft, tkrd dkj [kjhnuk pkgrk gSA D;k og blesa lQy gksxk \
bl iz'ukFkZ prqFkZ Hkko izHkkoh gSa D;ksfa d og okgukfn dk ladrs d gSA yXus'k vkSj prqFks'Z k ds e/; fufeZr
bRFklky }kjk prqFkZ Hkko dh 'kfDr dk vuqeku gks ldrk gSA lw{e fo'ys"k.k ds fy, yXus'k vkSj
dkjd dh fLFkfr vkSj vU; rF;ksa ij /;ku nsuk gksxkA

cq/k 50
Future Point

2 12
yXu 'kq-¼o½200 cq- lw;Z 11
'kq-¼o½
3 1
'kfu
dqaMyh 3 4 xq# ¼o½
'kfu 100 panz 100
xq-¼o½50 10
eaxy 150 eaxy 9
7
pa- 5 8
6

dqMa yh 3 esa prqFksZ'k panz rhozxfr xzg de va'kksa esa fLFkr gS vkSj vf/kd va'k okys eanxfr eaxy ls ihNs
gSA vr% prqFksZ'k vkSj yXus'k esa bRFklky dk 'kqHk Hkko ¼5½ esa fuekZ.k gks jgk gSA vr% tkrd dks okgu
izkIr gksxkA
'kfu] c`gLifr] eaxy] lw;Z] 'kqØ] cq/k vkSj panz Øe'k% rhozrj xfr ds xzg gSAa
bRFklky ds fy, fopkj.kh; rF; %
1- rhozxfr vkSj de va'kksa okys oØh xzg ls bRFklky dk fuekZ.k ugha gksrk gS D;ksfa d nksuksa xzgksa esa
,d nwljs ls foijhr xfr jgrh gSA dqM a yh 3 esa 'kfu ean xfr vkSj c`gLifr de va'kksa okyk rhoz
xfr xzg gSA Åijh rkSj ij bRFklky gS exj c`gLifr ds oØh gksus ds dkj.k bRFklky ugha gSA
2- ;fn eanxfr xzg ds rhozxfr xzg ls vf/kd va'k gksa vkSj eanxfr xzg oØh gks rks bRFklky ;ksx
dk fuekZ.k gksrk gS] D;ksfa d nksuksa xzgksa dh fn'kk ,d nwljs dh vksj jgrh gSA bl izdkj os nksuksa
,d nwljs ls 'kh?kz fey tkrs gSa vkSj bRFklky dk fuekZ.k rhoz gks tkrk gSA dqM a yh 3 esa 'kqØ oØh
gS vkSj cq/k dh rqyuk esa ean xfr gS] bl izdkj bu nksuksa dk feyu rhozrj xfr ls gksxkA
3- vxj bRFklky dk fuekZ.k djus okys nksuksa xzg oØh] uhp] vLr ;k vU; dkj.k ls nwf"kr ;k fucZy
gSa rks bRFklky ls okafNr ifj.kke ugha fey ikrs gSAa

iz'u T;ksfr"k 19

www.futurepointindia.com www.leogold.com www.leopalm.com


2- b'kjkQ ;ksx
bls eq'kfjQ ;k i`FkDdkjh ;ksx Hkh dgrs gSAa tc nks xzg ,d nwljs ij n`f"Vikr djrs gksa vkSj rhozxfr
xzg 10 ;k vf/kd va'kksa ls ean xfr xzg ls vkxs gks rks b'kjkQ ;ksx dk fuekZ.k gksrk gSA
;g ,d nqHkkZX;iw.kZ ;ksx gS vkSj vlQyrk] ck/kkvksa dk ladrs d gSA
b'kjkQ+ dk fuekZ.k djus okys xzg ;fn 'kqHk gksa rks ifj.kke vf/kd v'kqHk ugha gksrs ijarq ;fn v'kqHk
xzg b'kjkQ+ dk l`tu djrs gSa rks ifj.kke vfr v'kqHk gksrs gSAa
Future Point

lw;Z 100 2 12
panz 150 panz
3 11
lw;Z
1
dqaMyh 4 4 10

5 9
7
8
6

a yh 4 esa panz 150 ij rhoz xfr xzg gS vkSj lw;Z 100 ij ean xfr gSA nksuksa dh ;qfr ls n`f"V gS exj
dqM
rhoz xfr xzg ean xfr xzg ls vkxs fLFkr gSA vr% b'kjkQ+ dk fuekZ.k gks jgk gS tks okafNr dk;Z esa
vlQyrk dk ladrs d gSA
vxj rhozxfr xzg eanxfr xzg ls vkxs gksdj oØh gks rks D;k b'kjkQ+ ds LFkku ij bRFklky ;ksx
gksxk\ gka] rc bRFklky ;ksx gksxk tks lQyrk dk ladrs d gSA

3- uDr ;ksx
vxj nks xzgksa yXus'k vkSj dkjd esa n`f"V ugha gks exj ,d vU; rhozrj xfr xzg dh bu nksuksa ij
n`f"V gks rks uDr ;ksx dk fuekZ.k gksrk gSA

[k
x

20 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
eku yhft, d vkSj [k nks xzg gSa ftuesa dksbZ n`f"Vikr ugha gSA x ,d vU; xzg gS ftldh xfr vU;
nks xzgksa ls rhoz gS vkSj og d vkSj [k ls bRFklky dk fuekZ.k dj jgk gSA bl izdkj uDr ;ksx dk
l`tu gks jgk gSA uDr ;ksx 'kqHk gksrk gSA
uDr ;ksx dh izeq[k 'krs± fuEu gSa %
Û nks xzgksa ds e/; dksbZ n`f"V ugha gksA
Û fdlh rhljs xzg dh bu nksuksa xzgksa yXus'k vkSj dk;sZ'k ij n`f"V gksA
Future Point

Û rhljk xzg vn`f"V okys nksuksa xzgksa ls rhozrj xfr dk gksuk pkfg,A
8 6
panz 20
9 7 'kqØ
5
10 4
dqaMyh 5
'kqØ 50 'kfu
'kfu 100 11
1 3
2
yXu 12 panz

a yh 5 esa 'kqØ 50 dk 'kfu 100 ls dksbZ lac/a k ugha gSA r`rh; xzg panz 20 dh 'kfu ij dks.k n`f"V
dqM
gS vkSj 'kqØ ij f=dks.k n`f"V gSA panz] 'kqØ vkSj 'kfu ls rhozrj gS rFkk muls ihNs fLFkr gSA vr%
yXus'k 'kqØ vkSj prqFkZ&iape ds Lokeh 'kfu ds e/; uDr ;ksx cu jgk gSA

4- dacwy ;ksx
tc nks xzgksa esa bRFklky ;ksx gks vkSj muesa ls ,d ;k nksuksa ds lkFk panz Hkh bRFklky esa gks rks dacy
w
;ksx dk fuekZ.k gksrk gSA

yXu 2 12
1
panz 100 3 11
yXu
panz
4 10
dqaMyh 8
lw;Z 100 5 9
7
lw- 8 ea-
ea- 150 6

iz'u T;ksfr"k 21

www.futurepointindia.com www.leogold.com www.leopalm.com


dacy
w bRFklky vkSj lacfa /kr Hkkoksa dh 'kq)rk dks c<+k nsrk gSA
dqM
a yh 8 esa eaxy vkSj lw;Z bRFklky esa gSAa eaxy vkSj lw;Z esa f=dks.k n`f"V gS vkSj rhozxkeh lw;Z
eanxfr eaxy ls ihNs gS rFkk n`f"Vlhek esa fLFkr gSA lkFk gh lw;Z vkSj eaxy ls vf/kd xfroku panz]
eaxy vkSj lw;Z ds ihNs fLFkr gSA vr% panz Hkh lw;Z vkSj eaxy ds lkFk bRFklky dk fuekZ.k dj jgk
gSA ;g dacy w ;ksx gSA

5- jí ;ksx
Future Point

;fn nks xzg bRFklky esa gksa vkSj muesa ls ,d oØh ;k vLr ;k uhp gks ;k 6] 8] 12 Hkko esa gks ;k
'k=q{ks=h gks ;k v'kqHk xzg ls n`"V ;k ;qfr esa gks rks bRFklky ;ksx u"V gks tkrk gSA

6- e.kÅ ;ksx
tc nks xzgksa esa bRFklky ;ksx gks vkSj buesa ls rhozrj xfr ds xzg ij ikixzg 'kfu ;k eaxy ;k nksuksa
dh ;qfr gks ;k n`f"V gks rks e.kÅ ;ksx dk l`tu gksrk gSA bl ;ksx ls bRFklky ds 'kqHk izHkko u"V
gks tkrs gSAa e.kÅ 'k=qvksa ls Hk;] dk;Z esa vlQyrk] >xM+k] /kugkfu] dtZ+ vkfn dk lacfa /kr Hkko vkSj
xzgksa ds vuqlkj cks/k djkrk gSA
eksVs rkSj ij dgk tk ldrk gS fd dsoy bRFklky ls okafNr Qy izkIr gksuk dfBu gSA lqQyksa ds
fy, bRFklky ds lkFk panzek dk lac/a k gksuk vko';d gSA

lkjka'k
1- fdlh ;ksx dh mifLFkfr@vuqifLFkfr ek= ls ifj.kke ds ckjs esa ugha tkuk tk ldrk gSA ;ksx
esa Hkkx ysus okys xzgksa dh 'kqHkrk egRoiw.kZ gSA dksbZ Hkh xzg fucZy] vLr] oØh] uhp] nq%LFkku ij
fLFkr vkfn gksus ij fdlh Hkh ;ksx dk okafNr ifj.kke iznku ugha djrkA
2- yXus'k egRoiw.kZ gSA yXu vkSj yXus'k ;fn fucZy] nwf"kr] vLr] oØh vkfn gksa rks ;ksx viuh 'kqHkrk
[kks nsrs gSAa
3- bRFklky ;ksx ds QyhHkwr gksus ds fy, panzek dh 'kqHkrk vko';d gSA
4- eanxfr xzg dh vis{kk rhozxfr xzg dk nks"k vf/kd izHkkoh gksrk gSA

22 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
vè;k;&6

Hkkoksa ds dkjdRo
Hkkoksa ds cy
Future Point

1- ftl Hkko dk Lokeh mlesa fLFkr gks ;k ml Hkko ij Hkkos'k dh n`f"V gks rks ml Hkko dh 'kqHkrk
mÙke gksrh gSA
2- ftl Hkko esa c`gLifr] cq/k ;k 'kqØ ;k cyh panz fLFkr gksrs gSa ;k bu xzgksa dh ml Hkko ij n`f"V
gksrh gS rFkk v'kqHk xzg mlesa fLFkr ugha gksrs gSa ;k n`f"V ugha Mkyrs gS]a ml Hkko dk dkjdRo
mÙke gksrk gSA
3- vxj Hkko esa mPp dk] ewy f=dks.k dk ;k fe= xzg fLFkr gks rks mldk dkjdRo mÙke gksrk gSA
4- vxj Hkkos'k dsna z ;k f=dks.k esa fLFkr gS rks ml Hkko dk dkjdRo mÙke gksrk gSA
5- vxj Hkko ds nksuksa vksj 'kqHk xzg fLFkr gksa rks mldk dkjdRo 'kqHk gksrk gSA
6- ;fn Hkko ;k mlds dkjd ls 'kqHk xzg dsna z ;k f=dks.k esa fLFkr gksa rFkk v'kqHk xzgksa ls ;qfr vFkok
mudh n`f"V u gks rks Hkko dh 'kqHkrk c<+ tkrh gSA
7- Hkkos'k uoeka'k esa mPp dk] ewy f=dks.k es]a Lo{ks=h ;k fe= {ks=h gks rks ml Hkko dk dkjdRo 'kqHk
gksrk gSA

v'kqHk Qy
1- vxj Hkko esa v'kqHk xzg fLFkr gSa ;k v'kqHk xzgksa dh Hkko ij n`f"V gS rks Hkko dh 'kqHkrk u"V gks
tkrh gSA
2- Hkkos'k vxj 6] 8 ;k 12 Hkko esa fLFkr gS rks Hkko dh 'kqHkrk dk gzkl gksrk gSA
3- 6] 8 ;k 12 Hkko dk Lokeh ;fn fdlh Hkko esa fLFkr gS rks ml Hkko dk dkjdRo u"V gks tkrk
gSA
4- vxj Hkko ls 1] 4] 7 ;k 10 Hkko esa v'kqHk xzg fLFkr gksa rks ml Hkko dh 'kqHkrk dk gzkl gksrk
gSA
5- vxj Hkkos'k 6] 8 ;k 12 Hkko esa fLFkr gks] uhp ;k vLr gks ;k v'kqHk xzgksa ds e/; fLFkr gks rks
Hkko ds dkjdRo dk uk'k gksrk gSA

iz'u T;ksfr"k 23

www.futurepointindia.com www.leogold.com www.leopalm.com


6- Hkkos'k vxj uoeka'k esa uhp ;k 'k=q{ks=h gks rks Hkko dh 'kqHkrk dk gzkl gksrk gSA
7- vxj Hkkos'k dk xzgkØkar jk'kh'k 6] 8 ;k 12 Hkko esa uhp dk ;k vLr ;k 'k=q{ks=h gS rks og fucZy
gksrk gS vkSj ml Hkko ls 'kqHkrk izkIr ugha gks ldrh gSA

iz'u 'kkL= ds vuqlkj Hkkoksa ds dkjdRo


yXu % bls ruq Hkh dgrs gSAa bl Hkko ls thou vkjaHk gksrk gSA iz'u T;ksfr"k esa yXu iz'udrkZ] LokLF;]
Future Point

izflf)] iz'udrkZ dh iks'kkd] jax vkfn dk cks/k djkrk gSA


;|fi izFke Hkko ds dkjdRo iz'u'kkL= vkSj ijk'kjh nksuksa ds vuqlkj leku gS]a ysfdu iz'u T;ksfr"k
esa bldk {ks= dkQh O;kid gks tkrk gSA pwfa d yXu f}rh; Hkko ls }kn'k gksrk gS] ;g /ku gkfu]
ifjokj] Hkkstu vkfn dk |ksrd gSA r`rh; Hkko ls ,dkn'k gksus ds dkj.k ;g NksVs Hkkb;ksa dks izkfIr]
fe=ksa dk ladrs d gSA
prqFkZ ls n'ke gksus ds dkj.k yXu HkkX;] yach ;k=k,a] rhFkZ;k=k] larku ds /kkfeZd dk;Z vkfn dh
tkudkjh nsrk gSA NBs Hkko ls v"Ve gksus ds dkj.k 'k=qvksa dks d"V] dt+Znkj vkSj ekek dk ifjpk;d
gSA
lIre ls lIre gksus ds dkj.k yXu izes lac/a k] LokLF;] psgjs vkfn dk cks/k djkrk gSA
v"Ve Hkko ls NBk gksus ds dkj.k yXu ifr@iRuh ds ifjokjtuksa ds >xM+s vkSj chekjh dk ladrs d
gSA uoe ls iape gksus ds dkj.k yXu firk dh cqf)eÙkk rFkk firk dh larku ¼vFkkZr Lo;a tkrd½
dk cks/k djkrk gSA n'ke Hkko ls prqFkZ gksus ds dkj.k yXu O;olk; ls lq[kksa dk Kku djkrk gSA
,dkn'k ls r`rh; gksus ds dkj.k ;g lkgl] egRokdka{kk] cM+s HkkbZ & cgu vkSj y?kq ;k=kvksa dk
ladrs d gSA }kn'k ls f}rh; gksus ds dkj.k yXu chekjh] vnkyr] VSDl vkfn ds [kpks± dh tkudkjh
nsrk gSA
mijksDr ls fl) gksrk gS fd ,d Hkko ls thou ds fofHkUu igyqvksa dk irk py tkrk gSA fdlh Hkko
ds dkjdRo ml Hkko ds vU; Hkkoksa ls lac/a k ij fuHkZj djrs gSAa eku yhft,] fdlh le; tkrd vius
ekek ds LokLF; ds ckjs esa iz'u djrk gSA
NBs ls NBk vFkkZr yXu ls ,dkn'k Hkko ekek dh chekjh dk |ksrd gSA NBs ls ,dkn'k dk {ks= vFkkZr
yXu ls ,dkn'k Hkko bykt] /ku izkfIr] bPNkvksa dh iwfrZ dk ladrs nsrk gSA
6] 11 vkSj 4 Hkkoksa ds lac/a k ekek ds bykt dh tkudkjh nsrs gSAa bl izdkj fdlh Hkh lacèa kh ds ckjs
esa yXu dks iz'udrkZ ekudj fopkj dj ldrs gSAa

24 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
bl izdkj %
yXu iz'udrkZ dk izfrfuf/k gSA
f}rh; Hkko ifjokj ds lnL;
r`rh; Hkko NksVs HkkbZ
prqFkZ Hkko ekrk] lq[k
Future Point

iape Hkko larku


"k"B Hkko ekek] 'k=q vkSj _.knkrk
lIre Hkko lk>snkj] fojks/kh
v"Ve Hkko vk;q] ck/kk,a] fojklr
uoe Hkko firk] /keZxq#
n'ke Hkko O;olk;] dk;Z
,dkn'k Hkko cM+s HkkbZ] fe=] /kuizkfIr
}kn'k Hkko xqIr 'k=q] vLirky] O;;] laLFkk,a
lw;Z % firk] ljdkj] foHkkxk/;{k] vf/kdkjh ¼ckWl½] vf/kdkjhx.k
panz % ekrk] Hkkouk,a] rjy inkFkZ] jlk;u
eaxy % NksVk HkkbZ] fu;ekuqlkj dk;Z] dkuwu
cq/k % ekek] nLrkost] f'k{kk] LohÑfr] izfrfuf/k
c`gLifr % larku] cM+k HkkbZ] v/;kid] /keZxq#
'kqØ % iRuh] okgu] voSèk lac/a k] lq[k&vkjke ds lk/ku] x`glTtk lkexzh] laxhr] ukVd] dfork
'kfu % vk;q] chekjh] ck/kk] fdlh Hkh dkj.k ls nsjh] lsod] deZpkjh] etnwj

iz'u T;ksfr"k 25

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&7
iz'u dh izÑfr
iz'u dqM a yh ds fo'ys"k.k ls iwoZ ;g tkapuk vko';d gS fd D;k ;g iz'u dh iqf"V djrh gS ;k ughaA
Future Point

D;ksfa d iz'u tkrd ls Lo;a lacfa /kr gksrk gS] vr% yXu vkSj yXus'k dkjd gksrs gSAa yXu] panz vkSj
uoeka'k yXu ds cy dk vkdyu djsAa muds cyh gksus vkSj 'kqHk n`f"V miyC/k gksus ij ifj.kke mÙke
jgsxkA fucZy vkSj v'kqHk n`f"V;qDr gksus ij ifj.kke v'kqHk gksxkA
yXus'k ds vuqlkj ;ksx
yXus'k vxj dkjd ds lkFk b'kjkQ ;ksx dk fuekZ.k djrk gS rks iz'u Hkwrdky ls lacfa /kr gksrk gSA
bRFklky ds lkFk lac) gksus ij iz'u orZeku ls lacfa /kr gksrk gSA yXus'k vkSj dkjd ds e/; Hkfo";r
bRFklky ;ksx cuus ij iz'u Hkfo"; lac/a kh gksrk gSA
erkarj ls iz'udqM
a yh esa lokZf/kd cyh xzg }kjk iz'u dk Kku gksrk gSA vxj iz'u dqM
a yh esa nks ;k
vf/kd xzg cyh gSa rks ftl cyh xzg ds va'k lokZf/kd gksa mls lokZf/kd cyh le>uk pkfg,A ;gh
iz'u ds izdkj dh tkudkjh nsxkA
lokZf/kd cyh xzg tkuus ds ckn mu Hkkoksa dks Kkr djrs gSa ftudk Lokeh og xzg gS ;k tgka og
fLFkr gSA buls iz'u ds izdkj dk irk py tkrk gSA ;fn cyh xzg dsna z esa gS] Loxzgh ;k fe= jkf'k
esa gS ;k mPp dk gS rks fuEukuqlkj iz'u dk Kku gksrk gSA
yXu LokLF;] Lo;a tkrd] HkkX; ;k izkUs ufr
f}rh; Hkko #i;s] py laifÙk] vkHkw"k.k] flDds] cSda esa tek /ku] ifjokj] Hkkstu] vka[k] psgjk
r`rh; Hkko ;k=k] LFkkukarj.k] i=kpkj] NksVk HkkbZ] iM+kSlh] ckgs]a da/ks
prqFkZ Hkko [kq'kh] tehu] okgu] ekrk] f'k{kk] Nkrh] ân;
iape Hkko lq[k] euksjta u] larku] cPps] v/khuLFk deZpkjh
"k"B Hkko fookn] eqdnek] 'k=q] dt+Z] chekjh] izfr;ksfxrk
lIre Hkko lk>snkjh] iRuh] ;k=k] O;kikj] voSèk lac/a k
v"Ve Hkko fookn] fojklr] chekjh] vk;q] fouk'k] vkdfLed vk;] fcuk esgur dh dekbZ
uoe Hkko firk] nwjLFk ;k=k] rhFkZ;k=k] HkkX;] /kkfeZd dk;Z] vf/kdkjh
n'ke Hkko mPpkf/kdkfj;ksa dh Ñik] vf/kdkjh] O;olk;] izkUs ufr] dk;Z
,dkn'k Hkko ykHk] fe=ksa ls ykHk] vU; lac/a kh tu
}kn'k Hkko gkfu] O;;] nku] vLirky esa HkrhZ] dkjkokl] naM vkfn] fons'k
26 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
iz'u T;ksfr"k esa lIre Hkko tkrd ds lkFk O;ogkj j[kus okys O;fDr;ksa dh lwpuk nsrk gSA yXu
tkrd dk lwpd gSA egf"kZ;ksa us lIre Hkko ls lacfa /kr ;ksxksa dk o.kZu fd;k gSA muesa ls dqN ;ksx
fuEu gSa %
Û cyh lw;Z] eaxy vkSj 'kqØ lIre esa fLFkr gksa rks iz'u iRuh ls vU; fdlh L=h ls lacfa /kr gksrk
gSA
Û cyh lw;Z vkSj c`gLifr lIre esa gksa rks iz'u xHkZorh L=h ds ckjs esa gksrk gSA
Future Point

Û cyh eaxy vkSj 'kqØ lIre esa gksa rks iz'u fdlh ddZ'k ok.kh okyh L=h ds ckjs esa gksrk gSA
Û cyh c`gLifr lIre esa fLFkr gks rks iz'u iRuh ds ckjs esa gksrk gSA
Û cyh cq/k vFkok panz lIre Hkko esa fLFkr gks rks iz'u fdlh pfj=ghu L=h ds ckjs esa ;k ukSdjkuh
ls lacfa /kr gksrk gSA
Û cyh 'kfu lIre Hkko esa fLFkr gks rks iz'u fuEu tkfr dh ;k o`)k L=h ls lacfa /kr gksrk gSA mijksDr
ls izrhr gksrk gS fd flQZ fL=;ksa ls lacfa /kr iz'uksa dk gh fooj.k fn;k x;k gSA exj lIre Hkko
ls vU; cgqr lh ckrksa dk lac/a k gS tSls Hkkxhnkjh] fojks/kh] pksj] O;ogkj okyk vU; O;fDr vkfnA
vr% dsoy mijksDr rF;ksa ij ?;ku nsuk i;kZIr ugha gSA iz'u ds vuqlkj vko';d la'kks/ku
okaNuh; gSAa
mnkgj.k % ys[kd ds ikl 13 twu] 1997 dks izkr% 9-45 ij Qksu ls iz'u iwNk x;k ftldh dqM
a yh
fuEu gSA
'kfu cqèk 13&53 yXu24&48 4 cq/k
lw;Z 28&23 'kqØ yXu lw;Z
24&32 17&01 panz 2 1
jkgq 'kqØ
dsrq 5
0&36 6 3 'kfu
dqaMyh 11
pan2z 8&4 eaxy 12
jkgq 9 11
0&36 7
c`g-¼o½ c`g- ¼o½ dsrq
eaxy
3&36 8 10
28&06

a yh 11 esa c`gLifr Loxzgh gS rFkk ;g vf/kdre va'kksa ¼280&06^½ esa fLFkr gksdj panz ds lkFk
dqM
bRFklky ;ksx dk fuekZ.k dj jgk gSA vr% c`gLifr ds lIre esa gksus ds dkj.k pksjh ls lacfa /kr gSA
pksjh #i;ksa ds uksV vkSj vkHkw"k.kksa dh gS D;ksfa d panz ;gka f}rh;s'k gS vkSj c`gLifr f}rh; Hkko dk
dkjd gSA

iz'u T;ksfr"k 27

www.futurepointindia.com www.leogold.com www.leopalm.com


lokZf/kd cyh xzg ds panzek ls ;k yXus'k ls ;k
uoka'k yXus'k ls laca/k ls iz'u dk irk pyrk gSA
iz'u dks Hkyh izdkj le>uk vko';d gSA mnkgj.kkFkZ vxj iz'udrkZ iwNrk gS fd D;k fookg ?kj
vkus okys O;fDr;ksa ds ;gka r; gks tk,xk \ vxj iz'u iwNrs oDr yXu pj vkSj cyh gS rks bldk
vFkZ gS fd thou esa ifjorZu gksxk vFkkZr vkus okys yksxksa ds ;gka fookg ugha gksxkA vxj yXu fLFkj
jkf'k esa cyh gS rks vkus okys yksxksa ds ifjokj esa fookg gks tk,xk vFkkZr dksbZ ifjorZu ugha gksxkA
Future Point

vr% loZizFke iz'u dh izÑfr dks le>uk vko';d gSA


iz'udrkZ vkSj ftl O;fDr ds ckjs esa iz'u gS muds chp lac/a kksa dks tkuuk t:jh gSA vxj tkrd Lo;a
iz'u iwNrk gS rks yXu iz'udrkZ dk dkjd gksrk gS ijarq vxj firk vius iq= ds ckjs esa iz'u iwNrk
gS rks yXu firk gksrk gS vkSj mÙkj iape Hkko dks yXu eku dj fn;k tk,xkA vxj lkl viuh cgw
ds xHkZ /kkj.k ds ckjs esa iz'u djs rks yXu lkl gksxh] iape Hkko mldk iq= vkSj ,dkn'k Hkko cgw gksxhA
vr% mÙkj ,dkn'k Hkko vkSj ,dkn'k ls iape ¼larku½ vFkkZr r`rh; Hkko ls fn;k tk,xkA

17-4-1998 dks 20%30 fnYyh] 'kqØokj


cq/k¼o½ 'kfu 0&02
lw;Z 3&34
8 6
16&16 ea- 9&35 yXu 5
panz
'kq-18&10 9 7 jkgq
xq#- 23
ds- 15&6 10 4
dqaMyh 12
jkgq 1
15&06 11 'kfu 3
'kq-ds- lw;Z
panz yXu
26&17 xq- 12 eaxy 2
07&11 cq/k¼o½

mijksDr dqMa yh esa iz'udrkZ dk cM+k HkkbZ vius firk ls >xM+k dj ?kj ls pyk x;k FkkA iz'u Fkk]
^D;k esjk cM+k HkkbZ okil vk tk,xk*\ cM+s HkkbZ dk ladrs ,dkn'k Hkko ls gksrk gSA ,dkn'k Hkko dks
yXu ekusAa
;gka ,dkn'k Hkko vkSj ,dkn'ks'k lw;Z cM+s HkkbZ ds lwpd gSAa ,dkn'k Hkko ij n'kes'k 'kqØ dh vkSj
iapes'k c`gLifr dh n`f"V gSA cq/k oØh gksdj yXu ¼,dkn'k Hkko½ dks ns[k jgk gSA cM+k HkkbZ g"V iq"V
vkSj thfor gSA lw;Z dk lIres'k eaxy ls bRFklky ;ksx cu jgk gSA lIre Hkko okil ykSVus dk Hkko
gSA eaxy vkSj lw;Z ds chp 60 dk varj gSA vr% iz'udrkZ dk cM+k HkkbZ 25 vizSy 1998 dks okil vk
x;kA og vius fe= ds ;gka vkxjk pyk x;k Fkk tks fnYyh ls iwoZ esa gSA ;g ,dkn'ks'k lw;Z }kjk
lwfpr gks jgk gSA

28 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
21 vxLr 1998 dks 9%00 cts fnYyh
tkrd dh izksUufr dc gksxh \
5
xq-¼o½ 'k-¼o½ 7 jkgq lw;Z 4
02&24 09&46 yXu eaxy
8 cq/k¼o½
dsrq ea 6&23 panz
pa- 23&5 6 'kqØ
07&37 'kq-15&39 9 3
cq¼o½22&37
dqaMyh 13
Future Point

lw;Z 4&3
jkgq 7&17 12 2
10
yXu 11 xq#¼o½ 1
14&04
dsrq 'kfu¼o½

yXu f}LoHkko jkf'k gS exj 150 ls de gS vr% bls fLFkj jkf'k ekuk tk,xkA yXu ij oØh c`gLifr
dh n`f"V gSA yXus'k vkSj n'kes'k cq/k ,dkn'k Hkko esa fLFkr gS] exj oØh gS vkSj bl ij oØh c`gLifr
dh n`f"V gS tks dsna z esa Lojkf'k esa fLFkr gSA cq/k dh ,dkn'ks'k panz vkSj f}rh;s'k 'kqØ vkSj 3&8 ds
Lokeh eaxy ls ;qfr gSA panzek vkSj n'kes'k &yXus'k cq/k ¼oØh½ ds e/; bRFklky ;ksx gSA v"Ves'k
eaxy dh cq/k ls ;qfr gSA bl dkj.k tkrd dh ml le; izkUs ufr ugha gqbZ] exj rhu eghus ckn mlds
ekeys ij iqufoZpkj gqvk vkSj izkUs ufr gks x;hA
yXu esa fLFkj jkf'k gksus ij izkUs ufr ds iz'u dk mÙkj izkUs ufr gksxh] fookg ds iz'u esa mÙkj fookg gksxk]
pksjh ds iz'u ds fy, mÙkj lkeku okil feysxk] ;k=k ds iz'u dk mÙkj ;k=k ugha gksxh] chekjh ds
iz'u dk mÙkj chekjh nwj ugha gksxh exj e`R;q Hkh ugha gksxh] eqdnes ;k pquko ds iz'u dk mÙkj tkrd
ugha gkjsxk vkfn gksrs gSAa
Ñi;k /;ku nsa %
1- feFkqu] flag] dU;k] rqyk] o`f'pd vkSj dqHa k 'kh"kksZn; jkf'k;ka gksrh gSAa
2- es"k] o`"k] ddZ] /kuq vkSj edj i`"Bksn; jkf'k;ka gSAa
3- ehu mHk;ksn; jkf'k gSA
vxj yXu uj jkf'k dk gS vkSj mlesa 'kqHk xzg fLFkr gSa ;k 'kqHk xzg dh n`f"V gS rks 'kqHk Qy vkSj ykHk
dk ladrs gSA uj jkf'k;ka feFkqu] dU;k] rqyk] dqHa k vkSj /kuq dk iwokZ/kZ gksrh gSAa

iz'u T;ksfr"k 29

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&8

yXu vkSj Hkkoksa ds cy


loZfofnr gS fd iz'u T;ksfr"k esa yXu vkSj yXus'k egRoiw.kZ gSAa budk cyh@fucZy gksuk iz'u dh
Future Point

lQyrk@vlQyrk dk |ksrd gSA dHkh&dHkh yXu] yXu esa fLFkr xzg] yXu dh jkf'k] yXu ij n`f"V
;k yXus'k ds vk/kkj ij iz'u ds lHkh igyqvksa ij tkudkjh izkIr dh tk ldrh gSA
"kV~ip
a kfldk] v/;k; 1] 'yksd 2 ds vuqlkj T;ksfr"kh dks iz'u dqM a yh ds yXu ds vk/kkj ij thou
ZLrj esa fxjkoV ;k ifjorZu] LFkku ifjorZu] vkfFkZd Lrj esa fxjkoV] eku gkfu vkfn dk fopkj djuk
pkfg,A vkfFkZd mUufr] lq[k vkSj Hkwfe dk fopkj prqFkZ Hkko ls djuk pkfg,A nwjLFk LFkku ls ?kj
ykSVus dk bjknk lIre Hkko ls Kkr gksrk gSA n'ke Hkko ls ;k=k ;k ;k=k djus ds fopkj dk irk
pyrk gSA prqFkZ Hkko ls gh ;k=h ds ?kj igqp a us dk Kku gksrk gSA
^iz'uKku* ds vuqlkj ;fn yXu esa f}ikn jkf'k ¼feFkqu] dU;k] rqyk] dqHa k vkSj /kuq dk iwokZ/kZ½ ;k prq"ikn
jkf'k ¼es"k] o`"k] flag] edj dk mÙkjk/kZ½ gks vkSj yXu 'kqHk xzg ls n`"V gks rks iz'u lQy jgsxkA iz'u
Kku ds 'yksd 8 ds vuqlkj ;fn fdlh Hkko ij Hkkos'k dh n`f"V gS ;k Hkkos'k mlesa fLFkr gS ;k ml
Hkko esa c`gLifr] 'kqØ ;k cqèk fLFkr gSa ;k budh ml Hkko ij n`f"V gS rks ml Hkko dk dkjdRo lcy
vkSj lQy gksrk gS ¼c`gLifr] 'kqØ vkSj cq/k yXu ds fy, 'kqHk gksus pkfg,a½A
Hkko dk cy
1- Hkko lcy gksrk gS vxj Hkkos'k Loxzgh gks ;k ml Hkko ij n`f"V j[krk gksA
2- Hkko cyh gksrk gS vxj mlesa 'kqHk xzg fLFkr gks ;k 'kqHk xzg dh ml Hkko ij n`f"V gksA
3- Hkko fucZy gksrk gS vxj v'kqHk xzg ogka fLFkr gks ;k mldh n`f"V gksA
4- Hkkos'k mPp jkf'k] ewy f=dks.k] Lojkf'k ;k fe= jkf'k esa fLFkr gks rks Hkko cyh gksrk gSA
5- 'kqHk xzg mPp jkf'k] ewy f=dks.k] fe= jkf'k esa fLFkr gks rks Hkko lcy gksrk gSA
6- Hkkos'k 6] 8 ;k 12 Hkko esa fLFkr gks rks Hkko fucZy gksrk gSA
7- ;fn 6] 8 ;k 12 osa Hkko dk Lokeh vius Hkko esa fLFkr gks rks Hkko fucZy gksrk gSA
8- Hkkos'k dh 'kqHk xzg ls ;qfr ;k n`f"V lac/a k gks rks Hkko cyh gksrk gSA
9- Hkkos'k cyh gksdj dsna z ;k f=dks.k esa fLFkr gks rks Hkko dk dkjdRo lcy gksrk gSA
10- vxj Hkko ls 2] 12] 7] 4 ;k 10 esa 'kqHk xzg fLFkr gksa rks Hkko dk dkjdRo cyh gksrk gSA

30 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
11- cyh v'kqHk xzg dk dsna z] f=dks.k] 8 ;k 12 osa Hkko esa fLFkr gksuk vPNk ugha gksrkA vxj bl v'kqHk
xzg ds lkFk 'kqHk xzg dh ;qfr gks ;k n`f"V gks rks lQyrk vrho la?k"kks± ds mijkar feyrh gSA
12- Hkkos'k vLr] uhp dk] v'kqHk xzgksa ds e/; fLFkr] 'k=q {ks=h; gks rks Hkko dk dkjdRo u"V gks tkrk
gSA
13- Hkkos'k dk xzgkdkar jk'kh'k fucZy gks ;k 6] 8] 12 Hkko esa fLFkr gks rks Hkko fucZy gksrk gSA
Future Point

iz'u T;ksfr"k 31

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&9

?kVukvksa dk le; fu/kkZj.k


Future Point

iz'udqaMyh dk fo'ys"k.k djrs le; %


v- dk;Z ls lacfa /kr Hkkos'k dk irk djsAa mls dk;sZ'k dgrs gSAa dk;Z ls lacfa /kr Hkko dks dk;Z Hkko
dgrs gSAa blds ckn yXu vkSj yXus'k dk v/;;u djsAa
vk- dk;sZ'k vkSj yXus'k ls ;qfr ;k n`f"V j[kus okys xzgksa ij /;ku nsAa
b- dk;ZHkko vkSj yXu esa fLFkr ;k n`f"V okys xzgksa ij /;ku nsAa
dk;Z esa lQyrk feysxh vxj
1- yXus'k vkSj dk;sZ'k nksuksa 'kqHk xzg gksa vkSj 'kqHk Hkko esa bRFklky ;ksx cukrs gksAa
2- yXus'k dh yXu ij vkSj dk;sZ'k dh dk;ZHkko ij n`f"V gks
3- yXus'k dh dk;Z Hkko ij vkSj dk;sZ'k dh yXu ij n`f"V gksA
4- yXus'k dh dk;sZ'k ij vkSj dk;sZ'k dh yXus'k ij n`f"V gks
5- dk;sZ'k vkSj yXus'k dh yXu esa ;qfr gksA
6- yXus'k vkSj dk;sZ'k dh dk;ZHkko esa ;qfr gksA
7- yXus'k dh dk;Z Hkko esa fLFkr dk;sZ'k ij n`f"V gksA
8- dk;sZ'k dh yXu esa fLFkr yXus'k ij n`f"V gksA
8- dk;sZ'k dh dk;ZHkko esa fLFkr yXus'k ij n`f"V gksA
9- yXus'k dh dk;sZ'k vkSj dk;ZHkko ij n`f"V gksA
10- dk;sZ'k dh yXu vkSj yXus'k ij n`f"V gksA
11- yXus'k vkSj dk;sZ'k esa dacy w ;ksx gksA
12- yXu ;k dk;ZHkko ij rhu ;k vf/kd 'kqHk xzgksa dh n`f"V gksA
13- yXu] yXus'k] dk;ZHkko ;k dk;sZ'k ij v'kqHk izHkko ls jfgr iwf.kZek ds panz dh n`f"V gksA
14- yXus'k vkSj dk;sZ'k f}rh; Hkko esa fLFkr gksAa
15- cyh 'kqHk xzg yXu esa Lojkf'k esa fLFkr gksA
16- yXu esa 'kh"kksZn; jkf'k gks] lcy yXus'k ij 5] 9] 10 ;k 11 Hkko esa fLFkr iw.kZ panz dh n`f"V gksA
17- vnwf"kr iw.kZ panz dh yXu] yXus'k] dk;ZHkko] dk;sZ'k ij n`f"V gks ;k yXus'k vkSj dk;sZ'k ;qDr 2]
5] 9] 10 ;k 11 Hkko ij n`f"V gks rks dk;Z esa lQyrk feyrh gSA
mijksDr ;ksxksa dk Qy yXus'k vkSj dk;sZ'k ds cy ij fuHkZj djrk gSA vxj ;s mPp ds] Lo{ks=h ;k
fe= jkf'k es]a 'kqHk xzgksa ls ;qr ;k n`"V gksa rks tkrd vius dke esa lQy gksxkA yXus'k ;k dk;sZ'k
32 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
;fn vLr] uhp jkf'k es]a v'kqHk xzgksa ds e/; fLFkr ;k 'k=q{ks=h gksa rks dk;Z esa vlQyrk feyrh gS]
Hkys gh 'kqHk xzgksa vkSj panzek dh n`f"V gksA
vxj flQZ yXus'k ij gh rhu 'kqHkxzgksa vkSj panz dh n`f"V gks rks dk;Z esa lQyrk feysxhA
yXus'k&,dkn'ks'k ;k yXus'k&f}rh;s'k ij iw.kZ panz dh n`f"V gks rks tkrd dks /ku] /;s;iwfrZ vkSj vU;
lq[k izkIr gksrs gSAa
uoe Hkko ij iw.kZ panz dh n`f"V gks rks tkrd 'kqHk dk;Z] rhFkZ;k=k vkfn djrk gSA n'ke ij iw.kZ panz
Future Point

dh n`f"V ls izkUs ufr gksrh gS vkSj izflf) feyrh gSA panz dh v"Ves'k ls ;qfr gks ;k n`f"V gks rks ifj.kke
v'kqHk gksrs gsa rFkk dk;Z esa vlQyrk izkIr gksrh gSA yXus'k vkSj dk;sZ'k ij funksZ"k dsna z ;k f=dks.k
fLFkr iw.kZ panz dh n`f"V gks rks dk;Z lQy gksrk gSA
yXu esa mPp dk lw;Z gks rks vkx] pksjh ;k chekjh dk [krjk gksrk gSA yXu esa eaxy&'kfu fLFkr gksa
vkSj v'kqHk xzgksa dh n`f"V gks rks vkx] pksjh] nq?kZVuk] ?kk;y gksuk] nq%[k] ifRu ls oSeuL; vkfn ?kfVr
gksrs gSAa yXu esa dsoy 'kfu gks vkSj lw;Z] eaxy ;k panz ls n`"V gks rks cnukeh] vQokg] /kugkfu] >xM+]s
chekjh vkSj iz'kklu ls naM vkfn ls d"V gksrk gSA
yXu esa jkgq gks vkSj lw;Z] eaxy ;k panz dh n`f"V gks rks tkrd t[e] pksV] >xM+k] nq?kZVuk] i{kk?kkr]
isV esa nnZ] pspd vkfn ls xzflr gksrk gSA v'kqHk xzgksa dh 'kqHkHkkoksa esa fLFkfr vkSj 'kqHk xzgksa dh v'kqHk
Hkkoksa esa fLFkfr cqjs ifj.kkeksa dk ladrs gSA
yXuLFk panz ij n'ke Hkko fLFkr uhpLFk eaxy dh ;k lIre Hkko fLFkr uhpLFk 'kfu dh n`f"V gks rks
tkrd thou Hkj /ku vkSj lq[k dh gkfu ls =Lr jgrk gSA
yXus'k ;k dk;sZ'k dh yXu ;k dk;sZ'k ij ;k ijLij n`f"V u gks rks /;s; lQy ugha gksxkA lQyrk
ds fy, bu ;ksxksa dk gksuk vfuok;Z gSA jkf'k;ksa dks egf"kZ;ksa us 'kh"kksZn;] i`"Bksn; vkSj mHk;ksn; esa
foHkkftr fd;k gSA
yXu 'kh"kksZn; jkf'k esa gks] 'kqHk xzgksa vkSj panz ls ;qr@n`"V gks rks dk;Z lQy gksxkA
yXu 'kh"kksZn; jkf'k esa gks] iape vkSj uoe esa 'kqHk xzg gksa rks /;s; esa lQyrk feyrh gSA
yXu i`"Bksn; jkf'k esa gks] mlesa v'kqHk xzg fLFkr gks ;k mldh yXu ij n`f"V gks rks dk;Z esa vlQyrk
feyrh gSA
prqFksZ'k ;k n'kes'k oØh gks rks dk;Z esa vlQyrk feyrh gSA
yXus'k ;k dk;sZ'k oØh gks rks dk;Z vlQy jgsxkA yXu esa 'kfu gks vkSj lw;Z ;k eaxy dh yXu ij
n`f"V gks rks dk;Z lQy ugha gksxkA
yXus'k dk xzgkØkar jk'kh'k] yXu ls 6] 8 ;k 12 Hkko esa gks rks dk;Z esa lQyrk ugha feysxhA

iz'u T;ksfr"k 33

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&10
jksxh vkSj jksx
dk;Zjr MkWDVj gksus ds dkj.k ys[kd dks chekjh lac/a kh iz'u vf/kd ek=k esa izkIr gksrs gSAa vf/kdka'kr%
Future Point

nks iz'u iwNs tkrs gSa %


1- D;k jksxh fujksx gks tk,xk \ ;fn gka rks dc \
2- jksxh thfor cpsxk ;k ugha \
dksbZ Hkh iz'udrkZ esjs ikl T;ksfr"k ds ek/;e ls chekjh ds funku ds fy, ugha vk;kA vr% ge
mijksDr nks iz'uksa ij foLrkj ls ppkZ djsx
a As
iz'u T;ksfr"k esa yXu ls MkWDVj ¼og O;fDr tks nok nsrk gS] lgk;d ugha½ dk cks/k gksrk gSA lkekU;r%
yXu iz'udrkZ dk izfrfuf/kRo djrk gS] ijarq chekjh ds iz'ukFkZ yXu dks MkWDVj dk dkjd ekuk tkrk
gS D;ksfa d MkWDVj vkSj iz'udrkZ nksuksa ,d gSa vkSj chekjh ds 'k=q gSAa "k"B vkSj lIre Hkko jksx ds
ladrs d gSa tcfd n'ke Hkko ls jksxh dk cks/k gksrk gS tks jksxeqDr gksus ds fy, deZjr gksrk gSA
prqFkZHkko vkS"kf/k;ksa dk gSA NBs ls NBk vFkkZr yXu ls ,dkn'k Hkko Hkh chekjh dk cks/kd gSA v"Ve
Hkko e`R;q dk ladrs d gSA v"Ve ls v"Ve vFkkZr r`rh; Hkko Hkh e`R;q dk Kku djkrk gSA

yXu
MkWDVj yXu
MkWDVj
vkS"kf/k
jksxh
dqaMyh 14 vkS"kf/k
jksxh
jksx
jksx jksx jksx

jksxh MkWDVj ds bykt ls 'kh?kz Bhd gks tk,xk %


1- yXu esa 'kqHk jkf'k gks] mlesa 'kqHk xzg fLFkr gksa ;k dsna z@f=dks.k esa fLFkr 'kqHk xzg dh n`f"V gks]
yXus'k yXu dks ns[krk gks ;k yXus'k dh 'kqHk xzgksa ls ;qfr gks ;k 'kqHk Hkko esa fLFkr 'kqHk xzgksa ls
n`"V gks rks MkWDVj jksxh dks LoLFk djus esa lQy gks tk,xkA

34 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
2- yXu esa v'kqHk xzg dh jkf'k gks ;k yXu esa v'kqHk xzg fLFkr gksa ;k mudh n`f"V gks] yXus'k f=d
Hkko ¼6] 8] 12½ ;k vksiksfDye Hkko ¼3] 6] 9 ;k 12½ esa gks ;k v'kqHk xzgksa dh ;qfr@n`f"V gks ;k
vLr] uhpLFk] 'k=q {ks=h; gks ;k dsna z@f=dks.k esa gksdj v'kqHk xzgksa ls ;qfr@n`f"V esa gks rks MkWDVj
jksxh dks fujksx cukus esa lQy ugha gksxkA MkWDVj dks rqjra cny nsuk pkfg,A
3- yXu esa pj jkf'k gks] yXus'k Hkh pj jkf'k esa fLFkr gks rks ejht MkWDVj ;k LFkku vkfn ds ifjorZu
ls Bhd gks tk,xkA
Future Point

4- mijksDr o.kZu esa vxj n'ke Hkko 'kqHk gks rks bldk vFkZ gS fd jksx dk funku lgh gqvk gS] bykt
Bhd py jgk gS vkSj jksxh MkWDVj dh lykg dk ikyu djsxkA
5- "k"B vkSj lIre Hkko esa 'kqHk xzgksa dh jkf'k gks rFkk bu Hkkoksa esa 'kqHk xzg fLFkr gksa ;k mudh n`f"V
gks] buds Lokeh 'kqHk fLFkfr esa gksa rks ejht+ nokbZ ls Bhd gks tk,xkA vxj NBs] lkrosa Hkko esa
v'kqHk xzgksa dh jkf'k gks] bu Hkkoksa esa v'kqHk xzgksa dh fLFkfr@n`f"V gks] buds Lokeh v'kqHk Hkkoksa esa
fLFkr gks]a uhpLFk ;k vLr ;k 'k=q{ks=h gksa ;k v'kqHk xzgksa ds e/; fLFkr gksa rks jksx vklkuh ls
Bhd ugha gksxk ;k vf/kd tfVy gks tk,xkA
6- "k"Bs'k ;k lIres'k vkSj v"Ves'k ds e/; bRFklky ;ksx cu jgk gks e`R;q dh laHkkouk gksrh gSA
7- prqFkZ Hkko esa v'kqHk jkf'k gks ;k prqFksZ'k v'kqHk xzg gks] prqFkZ esa v'kqHk xzg fLFkr gks ;k mldh n`f"V
gks ;k prqFksZ'k uhpLFk] vLr ;k 'k=q{ks=h gks rks ejht loksZÙke bykt ds ckotwn Bhd ugha gksxkA
prqFkZ Hkko vkSj prqFksZ'k 'kqHk izHkko esa gksus ij nokbZ ls ejht+ Bhd gks tk,xkA
la{ksi esa dg ldrs gSa fd vxj panz mip; Hkkoksa ¼3] 6] 10] 11½ esa fLFkr gks vkSj 'kqHk xzg dsna z ¼1]
4] 7] 10½] f=dks.k ¼5] 9½ vkSj v"Ve Hkko esa fLFkr gksa rks ejht+ Bhd gks tk,xkA vxj bu Hkkoksa esa
v'kqHk xzg fLFkr gS]a rks chekjh Bhd ugha gksxhA yXu vkSj yXus'k cyh gksa vkSj 'kqHk fLFkfr esa gks]a 'kqHk
xzgksa ls n`"V gksa ;k muds e/; fLFkr gksa rks ejht+ Bhd gks tk,xkA
'kjhj ds fofHkUu Hkkxksa dk jkf'k;ksa ls laca/k
jkf'k 'kjhj dk Hkkx
es"k flj
o`"k vka[ksa fo'ks"kdj nk;ha vka[k] psgjk] eqga ] xnZu
feFkqu daèks] ckag]as dku] fo'ks"kdj nkfguk dku
ddZ Nkrh
flag ân;] isV ¼fo'ks"kdj Åijh Hkkx½] xHkkZ'k;
dU;k vkar]as dej] isV dk uhps dk Hkkx

iz'u T;ksfr"k 35

www.futurepointindia.com www.leogold.com www.leopalm.com


rqyk xqnZ]s oh;Z] ;kSu izo`fÙk] xHkkZ'k;] ;ksfu] fiÙkk'k; vkfn
o`f'pd ckg~; tuukax] xqnk
/kuq tka?k
edj ?kqVus] jh<+ dh gìh
dqHa k ck;ka dku] ?kqVuksa ds uhps ds iSj] fiaMfy;ka
Future Point

ehu iSj] ck;ka vka[k


xzg vkSj 'kjhj ds Hkkx
lw;Z ân;] vfLFk;ka] isV] nk;ha vka[k
panz Nkrh] jDr] ân;
eaxy flj] ihB] fo'ks"kr;k ihB ij fu'kku
cq/k xnZu] da/ks] ckagas
c`gLifr olk] furac
'kqØ psgjk
'kfu iSj] tka?ks
jkgq ?kqVuksa ds uhps iSj] gksBa
dsrq pj.k
fujksx gksus esa foyac ;k chekjh esa tfVyrk
1- ;fn 6 vkSj 8 Hkkoksa ds Lokfe;ksa esa jkf'k fofue; gksA
2- 3] 6] 8] 9] 12 ,oa yXu esa v'kqHk xzg fLFkr gksAa
3- 'kfu ;k eaxy dsna z ;k }kn'k Hkko esa fLFkr gks rks fujksxrk cgqr nsjh ls vkrh gSA
4- yXus'k v'kqHk xzg gksdj yXu esa fLFkr gks ;k cyh gksdj }kn'k esa gksA
5- v"Ves'k dsna z esa gks] yXus'k 6] 8 ;k 12 esa gks vkSj panz fucZy gksA
6- panz ewyf=dks.k esa gksdj oØh xzg ds lkFk gksA
7- yXus'k vkSj "k"Bs'k esa jkf'k fofue; gksA
8- 'kfu ;k eaxy yXu esa Lojkf'k esa gksA
9- yXus'k vkSj n'kes'k esa ;k prqFksZ'k vkSj lIres'k esa 'k=qrk gksA

36 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
10- yXus'k vkSj panz esa b'kjkQ+ ;ksx gksA
11- lIre esa v'kqHk xzg gksAa
12- 6 ;k 8 Hkko esa v'kqHk xzg gksa ;k bu ij v'kqHk xzg dh n`f"V gksA
13- iape ;k uoe esa uhp dk ;k vLr ;k 'k=q{ks=h ;k ikidrZjh esa xzg gksA
14- eaxy mPp dk ;k Lo{ks=h ;k fe=jkf'k esa n'ke Hkko esa fLFkr gksA
Future Point

15- v'kqHk xzg ;k v"Ves'k dsna z esa fLFkr gksA


16- v'kqHk ;k oØh xzg dh panz ls ;qfr gksA oØh xzg panz dh jkf'k esa gksA
17- oØh xzg prqFkZ ;k lIre Hkko esa fLFkr gksA
18- yXu ;k panz vxj cq/k vkSj 'kqØ ds e/; fLFkr gks rks fujksxrk nsjh ls vkrh gS ijarq e`R;q ugha
gksrhA

D;k jksxh thfor jgsxk \

9-1-1999 dks 8%25 fnYyh


'kfu 11 9
03&02 xq# yXu cq/k lw;Z 8
12 dsrq] 'kqØ
xq# jkgq
28&57 10
29&22 1 7
yXu dqaMyh 17
12&16 'kfu 4
ds-28&51
6
'kq-11&43
jkgq
2 ea-
cq/k
09&10 ea- 28&28 pa-
lw-24&32 pa-19&19 3 5

yXu i`"Bksn; vkSj pj jkf'k esa gS tgka jkgq&'kfu ls n`"V gksdj dsrq fLFkr gSA dsna z vkSj f=dks.k esa
v'kqHk xzg ekStnw gSAa yXu] lw;Z vkSj panz nwf"kr gSAa 'kqHk xzg nwf"kr gSAa jksxh dh e`R;q dk ladrs gSA
v"Ves'k }kn'k esa fLFkr gS vkSj v"Ve dh jkf'k fLFkj gSA vr% jksxh dh e`R;q vLirky esa gks x;hA
lokZf/kd cyh xzg 'kqØ dh yXu ls ;qfr gSA nksuksa esa 10 ls de varj gS vkSj os pj jkf'k esa gSAa vr%
,d fnu ls de le; dk ladrs gSA 'kqØ pj uoeka'k esa fLFkr gSA jksxh dh mlh fnu jkr esa e`R;q
gks x;hA

iz'u T;ksfr"k 37

www.futurepointindia.com www.leogold.com www.leopalm.com


D;k jksxh fujksx gks tk,xk ;k thfor jgsxk \

25-08-1998 dks 19%20 fnYyh


xq#¼o½ 'kfu¼o½ 12 10
1&55 9&43 1 xq# ¼o½ yXu 9
Future Point

yXu 'kq- 21&6 'kfu¼o½ dsrq


19&38 ea- 9&14
dsrq cq- 22&18 2 11 8
7&37
dqaMyh 18
jkgq 7&37 5
lw- 8&20 jkgq 7
3 4 lw;Z
panz 6
'kqØ
17&34 ea- cq- panz

yXu esa fLFkj vkSj 'kh"kksZn; jkf'k gS tgka v'kqHk jkgq vkSj lw;Z ls n`"V dsrq fLFkr gSA v"Ve esa dksbZ
'kqHk xzg ugha gS] vr% jksxh dh e`R;q dk ladrs gSA
1- yXu esa i`"Bksn; jkf'k gks] dsna z esa v'kqHk xzg gksa vkSj panzek v"Ve esa gks rks jksxh dh e`R;q dk ladrs
gksrk gSA
2- yXu esa v'kqHk xzg gksa rks chekjh MkWDVj ds dkj.k tfVy gks tk,xhA MkWDVj cnyuk pkfg,A
3- n'ke Hkko esa v'kqHk xzg fLFkr gksa rks chekjh jksxh ds dkj.k tfVy gks tk,xhA vr% nokbZ vkSj
ijgst vkfn dk fu;eiwoZd ikyu djsAa
4- prqFkZ esa v'kqHk xzg ekStnw gksa rks vkS"kf/k dh xyr izfrfØ;k gksxh vkSj chekjh tfVy gks tk,xh]
vr% vkS"kf/k dh i)fr cnyuh pkfg,A
5- lIre esa v'kqHk xzg ekStnw gksa rks chekjh tfVy gks tk,xhA
vr% mfpr vkSj mÙke bykt ds fy, yXus'k vkSj n'kes'k esa fe=rk gksuh pkfg, ;k bRFklky ;ksx
curk gks] vU;Fkk prqFksZ'k vkSj lIres'k esa fe=rk gksuh pkfg,A jksxh dh tUedqM
a yh dh yXu ;k yXu
dh jkf'k iz'udqM
a yh ds lIre ;k v"Ve Hkko esa ugha gksuh pkfg,A 'kqHk xzg vxj 3] 6] 9 ;k 11 Hkko
esa xkspj djs rks jksxh Bhd gks tkrk gSA

38 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
vè;k;&11
;k=k vkSj ;k=h
;k=k dk vFkZ fdlh mís'; ls ?kj ls ckgj tkuk gSA ;k=k 4 izdkj dh gksrh gSAa
Future Point

Û izfrfnu dk;ZLFky ij tkuk ;k cktkj ls lkeku [kjhnus tkukA


Û 'kgj ds ckgj fdlh dk;ZØe esa lfEefyr gksus tkukA
Û euksjt
a u ;k /kekZFkZ fdlh LFkku dh ;k=kA
Û fons'k ;k=kA
izfrfnu dh ;k=k dk ladrs yXus'k vkSj r`rh;s'k vkSj mudh fLFkfr okys Hkkoksa ds e/; fufeZr bRFklky
ls izkIr gksrk gSA r`rh;s'k ;k yXus'k jkf'k dqM
a yh ;k uoeka'k esa pj jkf'k esa gksuh pkfg,A
fdlh dk;ZØe esa Hkkx ysus ds fy, 'kgj ls ckgj tkus dk ladrs 1] 3 vkSj 7 Hkko vkSj muds Lokfe;ksa
ls feyrk gSA
fons'k ;k=k dk ladrs 3] 7] 9 vkSj 12 Hkko vkSj muds Lokfe;ksa ls izkIr gksrk gSA
lkekU;r% yXu ds vf/kd vFkok de va'kksa }kjk nh?kZ ;k y?kq ;k=kvksa dk Kku gksrk gSA lIre Hkko
}kjk xarO; LFkku vkSj ogka ls okilh dk cks/k gksrk gSA
prqFkZ Hkko ls ;k=k ds ifj.kke vkSj ykSV vkus dk irk pyrk gSA
n'ke Hkko ls ;k=k ds mís'; vkSj bjkns dk irk pyrk gSA r`rh; Hkko ls y?kq ;k=kvksa dk Kku gksrk
gS tcfd uoe Hkko ls y?kq nh?kZ ;k=kvksa dk cks/k gksrk gSA
;k=k dk vFkZ gS ?kj ls nwj pys tkukA bldk vFkZ ;g gS fd prqFkZ Hkko vkSj prqFksZ'k dk lac/a k v'kqHk
xzgksa ls gksuk pkfg,A
n'ke Hkko deZ dk ladrs d gS rFkk prqFkZ ds lkeus fLFkr gksus ls tkrd dks lq[k dh gkfu crkrk gSA
;k=k djrs le; tkrd deZ djrk gSA vr% ;k=k ds le; xkspj xzgksa dk izHkko n'ke Hkko vkSj
n'kes'k ij Hkh gksuk pkfg,A
yXu tkrd Lo;a gksrk gSA prqFkZ Hkko tkrd dk ?kj gksrk gS] lIre Hkko ;k=k dk var crkrk gS rFkk
;k=k lekIr djus dk [;ky eu esa vkrk gSA n'ke Hkko ;k=k dk vkjaHk gS rFkk ;k=k djus dk eu
curk gSA vr% ;k=k ds fy, lHkh dsna z egRoiw.kZ gSAa

iz'u T;ksfr"k 39

www.futurepointindia.com www.leogold.com www.leopalm.com


ns'k esa vU; 'kgjksa dh ;k=k
O;kikj] fookg] lEesyu vkfn ls lacfa /kr vU; uxjksa dh ;k=k ds fy, 3] 7 Hkko vkSj muds Lokfe;ksa
dk vè;;u djuk pkfg,A 3 ;k 7 Hkko esa pj jkf'k gksuk ;k buds Lokfe;ksa dk pj jkf'k esa fLFkr
gksuk ;k pj jkf'k esa fLFkr xzg dh bu ij n`f"V gksuk ;k=k n'kkZrk gSA
jsy;k=k
jsy;k=k ds dkjd eaxy vkSj panz gSa rFkk Hkko 3 vkSj 7 gSAa eaxy pj jkf'k esa gksuk pkfg, rFkk cyh
Future Point

panz dsna z esa ;k f=dks.k esa gksA dsna z esa v'kqHk xzg ¼jkgq ;k 'kfu½ fLFkr ugha gksa ;k mudh n`f"V ugha
gksuh pkfg,A
v'kqHk xzg mip; Hkko ¼3] 6] 11½ esa gksa ¼n'ke dks NksMd
+ j½ rFkk 'kqHk xzg dsna z ;k f=dks.k esa gksa rks
;k=k lqjf{kr jgrh gSA
ok;q ;k=k
ok;q ;k=k ds dkjd 'kfu ¼okr½ vkSj c`gLifr ¼vkdk'k rRo½ gSAa ;gh xzg fons'k dh ok;q ;k=k dk
ladrs nsrs gSAa dkjd 10] 9 vkSj 12 Hkko rFkk bu Hkkoksa esa fLFkr ok;q rRo jkf'k;ka gSAa
erkarj ls 'kqØ lIre jkf'k dk Lokeh gksus ds dkj.k ok;q ;k=k dk dkjd gSA ok;q rRo jkf'k ls ;qDr
lIre Hkko ok;q ;k=k dk ladrs d gSA
leqnz ;k ty ;k=k
leqnz }kjk ;k uko }kjk ;k=k ds fy, v"Ve Hkko vkSj ty jkf'k;ka fo'ks"kdj o`f'pd egRoiw.kZ gSAa
D;k eSa ;k=k ij tkmaxk \
gka] tkrd ;k=k ij tk,xk] vxj
1- yXu vkSj panz pj jkf'k esa gks]a 'kqHk xzgksa dh buls ;qfr ;k n`f"V gks vkSj prqFkZ Hkko nwf"kr gksA
2- yXus'k vkSj uoes'k esa bRFklky gks ;k budh yXu esa ;qfr gks vFkok panz vkSj uoes'k esa bRFklky
gksdj yXus'k uoe esa gksA
3- yXu vkSj panz ls uoes'kksa esa bRFklky gksA
4- yXus'k vkSj r`rh;s'k ds e/; dsna z esa bRFklky gks vkSj funksZ"k 'kqHk xzg ls ;qfr gksA
5- prqFksZ'k yXu esa gks vkSj yXus'k r`rh; Hkko esa ;k dsna z esa fLFkr gks rFkk 'kqHk xzgksa dh ;qfr@n`f"V
gksA
6- v'kqHk xzg prqFkZ ;k n'ke Hkko esa gksAa
7- yXus'k vkSj uoes'k pj jkf'k esa gksAa
8- uoes'k yXu esa fLFkr gks vkSj yXus'k dsna z esa nq"izHkko ls jfgr gksdj fLFkr gksA
40 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
9- n'ke Hkko esa pj jkf'k gks rFkk 'kqHk xzgksa dh ;qfr ;k n`f"V gksA
10- yXus'k ;k panz uoe ;k r`rh; Hkko esa fLFkr gksA yXu esa pj jkf'k gks rks tkrd ;k=k ij 'kh?kz
tk,xkA yXu esa f}LoHkko jkf'k gks rks ;k=k esa dqN nsjh gksxhA fLFkj jkf'k gksus ij ;k=k ugha
gksxhA
11- yXu esa 'kh"kksZn; jkf'k gks vkSj 'kqHk xzg ;k yXus'k dh n`f"V gksA
12- yXu] vk:<+ yXu ;k n'ke Hkko esa pj jkf'k gks rFkk 'kqHk xzg dh ;qfr@n`f"V gksA
Future Point

2 flracj 1998 dks 8%45 fnYyh


D;k tkrd vesfjdk dk Hkze.k djsxk \
xq#¼o½ yXu 0&47 2 xq#¼o½
00&59 'k-¼o½
9&31 3 yXu 12 11
dsrq 'kfu¼o½ dsrq
ea- 14&23 4 1
7&38 cq- 28&13 10
dqaMyh 25 'kq- 1&1
eaxy
jk- 7&38 5 cq/k 9
lw- 6&7 'kqØ
jkgq
7
panz 8 panz
lw;Z
26&4 6

yXu esa pj jkf'k gS] n'ke esa pj jkf'k gS] uoka'k pj gS] vk:<+ yXu pj gS] uoes'k }kn'k esa gS] yXus'k
eaxy vkSj c`gLifr ¼oØh½ ,d nwljs ls f=dks.k esa gSa ysfdu b'kjkQ+ dk fuekZ.k dj jgs gSAa uoes'k
oØh gSA
yXus'k eaxy vkSj r`rh;s'k cq/k dh prqFkZ Hkko esa ¼dsna z es½a ;qfr gS ysfdu cq/k] eanxfr eaxy ls vkxs
gSA vr% b'kjkQ ;ksx gSA eaxy vkSj cq/k dh n'ke ij n`f"V gSA eaxy dk;Z iz.kkyh vkSj cq/k nLrkost
ys[ku vkSj flQkfj'k ds izfrfu/kh gSAa uoes'k c`gLifr oØh gS vkSj yxHkx 10 ij fLFkr gSA yXu esa
oØh 'kfu fLFkr gS] yXus'k prqFkZ esa uhpLFk gSA prqFksZ'k panz f=dks.k esa gksdj cyh gS vkSj fe= jkf'k
esa gSA tkrd vesfjdk dh ;k=k ugha dj ldk] mldks ohlk izkIr ugha gks ik;kA
;k=h dc okil ykSVsxk \
¼Ñi;k v/;k; 9 Hkh ns[ks½a
[kks;k gqvk O;fDr ykSV vk,xk
1- tc lIres'k yXu ij xkspj djsA

iz'u T;ksfr"k 41

www.futurepointindia.com www.leogold.com www.leopalm.com


2- lIres'k vkSj yXus'k bRFklky esa gksAa
3- yXu vkSj lokZf/kd cyh xzg ds e/; ftrus Hkko gksa rks mrus gh ekl esa ¼lokZf/kd cyh xzg vxj
uoeka'k esa pj jkf'k esa gks½] mlls nqxqus ekl esa ¼vxj lokZf/kd cyh xzg uoeka'k esa fLFkj jkf'k
esa gks½ vFkok rhu xqus ekl esa ¼vxj mijksDr jkf'k f}LoHkko gks½ okil ykSV vk,xkA ¼iz'u ra=½
4- vxj lIres'k oØh gksA
5- 'kqHk xzg dk prqFkZ Hkko ij xkspj gksA
Future Point

6- panzek dk prqFkZ Hkko ij xkspj gksA


7- 'kqHk xzg dk lIre Hkko ij xkspj gksA blls ykSVus ds le; dk ladrs Hkh feyrk gSA
8- c`gLifr vkSj 'kqØ lkFk&lkFk 2] 3 ;k 5 Hkko esa gksa rks O;fDr mlh fnu okil ykSV vk,xkA
9- 6 ;k 7 Hkko esa dksbZ xzg gks vkSj c`gLifr dsna z esa fLFkr gks rks O;fDr 7 ;k 27 fnu esa ykSVx
s kA
10- yXu ls lokZf/kd cyh xzg ftrus Hkko vkxs gks] mUgsa fxu ysa vkSj 12 Hkko ls xq.kk djsAa ;k=h brus
fnuksa esa okil ykSV vk,xkA eku yhft, c`gLifr lokZf/kd cyh xzg gksdj ddZ esa fLFkr gSA

1 11
2z 12

xq# 200 10
9
dqaMyh 26 3
xq# 8
6
4 7
5

ehu yXu ls ddZ ds chp 4 Hkko ekus tk,ax]s 5 ughaA yXu dks u fxusAa 4 x 12 ¾ 48 fnu ¼iz'ura=
ds vuqlkj ;g la[;k eghuksa dh ladrs d gS½A vr% ;k=h 4 eghuksa esa pj jkf'k esa ykSV vk,xkA
11- i.kQj Hkkoksa ¼2] 5] 8] 11½ esa xzg gks rks ;k=h ml le; ykSVrk gS] tc dksbZ xzg bu Hkkoksa ls xkspj
djsxkA
12- tc 2] 5 ;k 11 ls panzek dk xkspj gksA
13- prqFkZ Hkko esa pj jkf'k esa cq/k] c`gLifr vkSj 'kqØ fLFkr gksa rks ;k=h ykSV vkrk gSA

42 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
14- erkarj ls jkf'k Lokeh dks ns[kuk pkfg,A xzg ds vuqlkj ykSVus ds le; dk vuqeku gksrk gSA
lw;Z ls v;u] panz ls eqgrw Z rFkk eaxy ls fnu vkfn tkus tkrs gSAa
[kks;k gqvk O;fDr dc ykSVsxk \
iz'udrkZ dk cM+k HkkbZ [kks x;k Fkk

17-04-1998 dks 20%30 fnYyh


Future Point

cq/k¼o½ lw- 3&34 8 6


ea- 9&35
16&16 'k- 0&02 9 yXu 5
panz 7 jkgq
ds- 15&6
'kq-a 18&10
xq- 23 10 4
dqaMyh 27
jkgq 1
15&6 11 lw;Z 3
ds- 'kq eaxy
panz yXu xq- 12 2
7&11 26&17 'kfu
cq/k¼o½

eaxy dsna z vkSj Lojkf'k esa fLFkr gksdj lokZf/kd cyh gSA og lIres'k Hkh gSA panz dk eaxy ls bRFklky
gSA cM+s HkkbZ] ,dkn'ks'k lw;Z dk Hkh eaxy ls bRFklky gSA lw;Z] panz vkSj lIres'k eaxy f=dks.k vkSj
bRFklky esa gSAa vr% iz'udrkZ dk cM+k HkkbZ lqjf{kr ykSV vk,xkA D;ksfa d panz dsna z esa ugha gS rFkk dsna z
fLFkr xzg ls bRFklky esa gS] [kks;k O;fDr ?kj ykSVus ds fy, py iM+k gSA fdruk le; yxsxk\ dk;sZ'k
eaxy fnuksa dk ladrs djrk gSA panzek vkSj eaxy ds e/; 20 ls dqN vf/kd dk varj gSA vr% iz'udrkZ
dks lykg nh x;h fd [kks;k O;fDr rhu fnu ds vanj ykSV vk,xkA okLro esa og rhljs fnu ykSV
vk;kA
vf/kdka'k T;ksfrfoZn mijksDr i)fr dk mi;ksx djrs gSAa

iz'u T;ksfr"k 43

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&12

pksjh vkSj xk;c lkeku dh okilh


yXu iz'udrkZ dk izfrfuf/k gSA panzek [kks;s gq,@xk;c lkeku dk izfrfuf/k gSA prqFkZ Hkko [kks;s
Future Point

lkeku vkSj mldh iquizkZfIr dk izfrfuf/k gSA lIre Hkko pksj dk izfrfuf/k gS tcfd v"Ve Hkko pksj
}kjk tek /ku dk izfrfuf/k gSA n'ke Hkko iqfyl ;k ljdkj dk izfrfuf/kRo djrk gSA
pksjh dh izfØ;k
1- eaxy lIre Hkko esa fLFkr gks] ;k lIres'k ls panz dh ;qfr ;k n`f"V gks rks pksjh rkyk rksMd
+ j ;k
rkdr dk bLrseky dj dh x;h gSA
2- lIre esas 'kqØ vkSj panz gksa rks rkyk vfrfjDr pkch ls [kksyk x;k gSA
3- v- fucZy panz dh yXus'k ls ;qfr gks vkSj lIres'k cyh gks ;k
vk- lIres'k lw;Z ls v"Ve Hkko esa fLFkr gks ;k
b- cyh panz dh v'kqHk xzg ls ;qfr gks vkSj yXus'k dh lIre Hkko ij n`f"V u gks ;k
bZ- yXus'k dh v'kqHk xzgksa ls ;qfr gks vkSj lIres'k ij n`f"V gksA f}rh;s'k] panz vkSj lw;Z cyh gksa
rks pksjh [kqyv
s ke tku igpku ds yksxksa ds lEeq[k dh x;h gSA
ewY;oku ;k lk/kkj.k oLrq
v- uoeka'k yXu cyh gks rks [kks;h oLrq ewY;oku gSA
vk- uoeka'k yXu lkekU; cyh gS rks [kks;h oLrq lk/kkj.k gSA
b- uoeka'k yXus'k uhpLFk gks rks [kks;h oLrq f?klh gqbZ ;k iqjkuh gSA
pksj us D;k pksjh fd;k gS \
bldk Kku panzek@uoeka'k ls gksrk gSA
1- panz izFke uoeka'k esa gks] oxksZÙke gks ;k es"k esa gks rks [kks;h oLrq lksus ;k pkanh dh gSA
2- panzek f}rh; uoeka'k esa gks ;k oxksZÙke ;k o`"k jkf'k esa gks rks [kks;h oLrq dksbZ vkHkw"k.k ;k crZu
gSA panz ij eaxy dh n`f"V gks rks oLrq yksgs dh cuh gSA rhoz xfr xzg dh n`f"V gks rks oLrq f?klh
gqbZ ;k iqjkuh gSA

44 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
3- panzek r`rh; uoeka'k es]a oxksZÙke ;k feFkqu esa gks rks udnh #i;s ;k nLrkost pksjh gq, gSAa
4- panzek ddZ esa ;k prqFkZ uoeka'k esa ;k oxksZÙke esa gks rks oLrq lksus dh gSA
5- panzek flag esa ;k iape uoeka'k esa ;k oxksZÙke esa gks rks oLrq pkanh dh gSA vxj lw;Z dh n`f"V gS
rks oLrq lksus dh cuh gSA
6- panzek dU;k esa gks ;k "k"B uoeka'k esa ;k oxksZÙke gks rks oLrq dkap] yksgs vkfn ls cuh gS ;k oL=
Future Point

gSAa ;fn cq/k dh n`f"V gks rks lkeku iRFkj dk gSA 'kqØ dh n`f"V gks rks oLrq diM+s dh cuh gSA
7- panzek rqyk esa gks ;k lIre uoeka'k esa gks ;k oxksZÙke gks rks oLrq nLrkost+ gksrh gSA vxj 'kqØ
dh n`f"V gks rks lqxfa /kr inkFkZ ;k diM+s gks ldrs gSAa
8- panzek o`f'pd esa gks ;k oxksZÙke gks ;k eaxy dh n`f"V gks rks oLrq lksus ;k pkanh dh gksrh gS ;k
O;kikfjd nLrkost+ gksrk gSA
9- panzek /kuq esa gks ;k oxksZÙke gks ;k c`gLifr dh n`f"V gks rks [kks;h oLrq vkHkw"k.k ;k oL= ;k ?kjsyw
lkeku gksrk gSA
10- panzek edj esa gks] ;k edj esa oxksZÙke gks rks [kks;h oLrq vkHkw"k.k ;k uxnh gksrh gSA vxj c`gLifr
dh n`f"V gks rks Lo.kZ ;k uxn #i;k pksjh gksrk gSA
11- panzek dqHa k esa gks ;k dqHa k esa oxksZÙke gks rks [kks;h oLrq flDds] uksV vFkkZr uxnh ;k vkHkw"k.k gksrs
gSAa lw;Z dh n`f"V gks rks uxnh pksjh gksrh gSA
12- panzek ehu esa gks ;k ehu esa oxksZÙke gks rks [kks;h oLrq dkap vkfn dh cuh gks ldrh gSA panzek
ij c`gLifr dh n`f"V gks rks jRu] vkHkw"k.k ;k crZu pksjh gksrs gSAa
pksj dkSu gS \
yXu esa pj jkf'k gks ;k uoeka'k yXu oxksZÙke gksdj pj jkf'k esa gks rks pksj ?kj ls ckgj dk O;fDr
gS vkSj oLrq ?kj ls cgqr nwj tk pqdh gSA
yXu esa fLFkj jkf'k gks ;k uoka'k yXu fLFkj jkf'k esa ;k oxksZÙke gks rks pksj dksbZ fj'rsnkj ;k fe=
vkfn gksrk gS rFkk [kks;h oLrq ?kj ds ut+nhd gh ekStnw gksrh gSA
yXu ;k uoka'k yXu ;k oxksÙZ ke f}LoHkko jkf'k esa gks rks pksj iM+kl
s h gS vkSj [kks;h oLrq fdlh LFkku
ij lqjf{kr j[kh gqbZ gSA
1- panz dh lIre esa fLFkr 'kqØ ij n`f"V gks rks pksj us gky gh esa pksjh djuk 'kq# fd;k gSA
2- lIres'k 'kfu ij panz dh n`f"V gks rks pksj vfHkekuh ;k ik[kaMh gksrk gSA
3- lIre Hkko esa fLFkr 'kfu ij panz dh n`f"V gks rks pksj vfHkekuh gksrk gSA

iz'u T;ksfr"k 45

www.futurepointindia.com www.leogold.com www.leopalm.com


4- yXu vkSj panz ij 'kfu dh n`f"V gks rks pksj vfHkekuh gksrk gSA
5- lIre esa fLFkr cq/k ij 'kfu dh n`f"V gks rks pksj vfHkekuh gksrk gSA
6- lIre esa fLFkr 'kfu ij c`gLifr dh n`f"V gks rks pksj tkuk igpkuk O;fDr gksrk gSA
7- lIres'k ij v'kqHk xzg dh n`f"V gks rks pksj iDdk gksrk gSA
8- lIres'k ij eaxy dh n`f"V gks rks pksj iqfyl ys[kk esa miyC/k iqjkuk vijk/kh gksrk gSA
Future Point

9- mPp dk] Lo{ks=h ;k cyh xzg 1] 7 ;k 10 esa fLFkr gks rks ml xzg ls esy [kkus okys O;fDr us
pksj dh lgk;rk dh gSA
lIre Hkko esa fLFkr xzg ;k lIres'k }kjk pksj dh igpku
pksj dh igpku lIres'k ;k lIre esa fLFkr cyh xzg }kjk dh tkrh gS ysfdu izkphu xzFa k iz'u Kku]
iz'u f'kjksef.k vkfn ds vuqlkj pksj dh igpku yXus'k ls gksrh gSA pwfa d geus lIre Hkko dks pksj
dk izfrfufèk ekuk gS vr% pksj dh igpku lIres'k vkSj lIre Hkko ls gksrh gSA
lw;Z lIres'k gks ;k lIre Hkko esa fLFkr gks rks firk ;k ifjokj dk eqf[k;k pksj gksrk gSA panzek lIres'k
gks ;k lIre Hkko esa fLFkr gks rks eka vFkok pspd ds nkx] ;k eLls okyh L=h pksj gksrh gSA
eaxy lIres'k gks ;k lIre Hkko esa fLFkr gks rks HkkbZ] fe= ;k rxM+s MhyMkSy okyk nqLlkglh O;fDr
pksj gksrk gSA cq/k lIres'k gks ;k lIre Hkko esa fLFkr gks rks Lo;a dh larku] NksVk HkkbZ ;k dksbZ
etkfd;k@pqycqyk cPpk pksj gksrk gSA
lIres'k c`gLifr gks rks dksbZ vf/kdkjh] iafMr] czkã.k] v/;kid ;k dksbZ lEekfur O;fDr pksj gksrk
gSA mlus nwljksa dks HkM+dk dj ;k nwljksa dh enn ls pksjh dh gSA
lIres'k 'kqØ gks rks dksbZ f'kf{kr] QS'kuizes h] vkd"kZd O;fDrRo okyk] ;qod ;k ;qorh pksj gSA lIres'k
'kfu gks rks dkys jax] vPNs dn rFkk fucZy 'kjhj okyk ukSdj pksj gksrk gSA
lIre Hkko esa jkgq gks rks pksj pksjh esa iDdk gksrk gSA og >ksia M+h vkfn esa jgus okyk yacs cky ;k
nk<+h&ewN
a okyk gksrk gSA
lIre esa dsrq gks rks pksj iDdk gksrk gSA og vius ny dh lgk;rk ls ;kstuk cukdj pksjh djrk
gSA mls idM+uk dfBu gksrk gSA
D;k lafnX/k O;fDr pksj gS \
panz vkSj v'kqHk xzg ds eè; bRFklky gks rks lafnX/k O;fDr pksj gksrk gSA panz dk 'kqHk xzg ds lkFk
bRFklky gks rks lafnX/k O;fDr funksZ"k gksrk gSA

46 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
[kks;h oLrq dk LFkku
[kks;h oLrq ds LFkku dk irk prqFkZ Hkko vkSj mlesa fLFkr xzg ls rFkk prqFkZ dh jkf'k ds rRo ls pyrk
gSA
1- panz dk prqFkZ Hkko ij izHkko gks rks [kks;h oLrq ty ds ut+nhd j[kh x;h gSA
2- eaxy izHkkoh gks rks oLrq jlksbZ] vfXu ;k vkStkj cDls vkfn ds fudV j[kh gSA
Future Point

3- 'kqØ dk izHkko gks rks iyax ij ;k 'k;ud{k esa fLFkr gSA


4- c`gLifr izHkkoh gks rks m|ku ;k eafnj esa ekStnw gSA
5- cq/k dk izHkko prqFkZ Hkko ij gks ;k prqFkZ ij n`f"V gks rks [kks;h oLrq cSBd esa ;k iqLrdky; esa
;k iqLrd] vukt] okgu ds fudV j[kh gSA
6- lw;Z dk lac/a k prqFkZ Hkko ls gks rks [kk;h oLrq cSBd esa ;k x`g Lokeh ds 'k;u d{k esa ;k ?kj ds
ckgj tehu esa xM+h gSA
7- prqFkZ Hkko ij 'kfu ;k jkgq dk izHkko gks rks [kks;h oLrq va/ksjs ;k xans LFkku ij j[kh gSA prqFkZ Hkko
dh jkf'k ds rRo ¼vfXu] i`Foh] ok;q vkSj ty½ dk fopkj djsAa [kks;h oLrq jkf'k ds rRo ds fudV
j[kh jgrh gSA
D;k [kks;h oLrq okil fey ldrh gS \
[kks;h oLrq dh tkudkjh ds fy, lkekU;r% iz'u dqM a yh ds lIre Hkko] yXu] vk#<+ yXu vkSj panz
dks ns[krs gSa D;ksfa d yXu] vk:<+ yXu vkSj panz [kks;h oLrq ds izfrfuf/k gSAa lIre Hkko vkSj lIres'k
pksj ds ladrs d gSAa 2] 4] 11] 5 vkSj 9 Hkko [kks;h oLrq dh izkfIr esa lgk;d gSAa prqFkZ Hkko iquizkZfIr
dk izfrfuf/k gSA
[kks;h oLrq fey tk,xh
1- ;fn yXus'k vkSj lIres'k esa bRFklky gksA
2- panzek ij panzek ds Hkko dh jkf'k ds Lokeh dh n`f"V gksA
3- yXus'k lIre esa vkSj lIres'k yXu esa fLFkr gksAa
4- lIre Hkko esa dsoy c`gLifr fLFkr gksA vxj vU; xzg fLFkr gksxk rks [kks;h oLrq ugha feysxhA
5- panz prqFkZ esa fLFkr gksA
6- panz vk:<+ yXu ls n'ke esa fLFkr gksA
7- f}rh;s'k vkSj uoes'k esa bRFklky gksA

iz'u T;ksfr"k 47

www.futurepointindia.com www.leogold.com www.leopalm.com


8- 'kqHk xzg yXu] vk:<+ yXu] 5] 7] 9 esa fLFkr gksAa
9- yXu 'kh"kksZn; jkf'k esa vkSj vk:<+ yXu i`"Bksn; jkf'k esa gksA
10- panz i`"Bksn; jkf'k esa gks vkSj 'kfu ds vfrfjDr fdlh vU; xzg dh n`f"V gksA 'kfu dh panz ij
n`f"V gksus ij [kks;h oLrq ugha feysxhA
11- panz i`"Bksn; jkf'k esa gks vkSj eaxy panzek ls n'ke Hkko esa gksA
Future Point

12- lIre Hkko esa 2] 7] 9 ;k 11 jkf'k gksA


13- yXu ;k vk:<+ yXu ls 3 ;k 5 Hkko esa 'kqHk xzg gksAa
14- lIre esa cyh panz fLFkr gksA panz nwf"kr ;k Ñ".k i{k dk gks rks [kks;h oLrq ugha feysxhA
15- 11osa Hkko esa v'kqHk xzg fLFkr gksA
16- 'kh"kksZn; yXu esa 'kqHk xzg fLFkr gks ;k mudh 'kh"kksZn; yXu ij n`f"V gksA
17- yXu esa fLFkr iw.kZ panz 'kqHk xzgksa ls ;qr ;k n`"V gksA
18- iw.kZ panz iape ;k uoe Hkko esa fLFkr gks dj c`gLifr ;k 'kqØ ls n`"V gksA
19- yXu] 2] dsna z] f=dks.k ;k 11 osa Hkko esa 'kqHk xzg fLFkr gksAa
20- yXu] vk:<+ yXu vkSj uoeka'k esa pj jkf'k gksA
21- 5] 7] 9 esa 'kqHk xzg gksAa
22- yXu] 3] 5 Hkkoksa esa fe= xzg gksa rFkk 2 vkSj 11 esa cyh 'kqHk xzg gksAa dsna z] f=dks.k] 8 ;k 11 esa v'kqHk
xzg ugha gksAa
23- panz vkSj c`gLifr dsna z esa gksAa
24- panz yXu ;k n'ke Hkko esa fLFkr gks rFkk 'kqHk xzg ls bRFklky esa gksA
25- yXu ;k prqFkZ esa 'kqHk xzg ;k prqFksZ'k gks rFkk 'kqHk xzg ls n`"V gksA
26- yXu esa iw.kZ panz fLFkr gks rFkk 'kqHk xzg ;k prqFksZ'k dh n`f"V gksA
27- yXu esa 'kqDyi{k dk panz fLFkr gks rFkk lw;Z ;k 'kqHk xzg dh n`f"V gksA
28- 2] 3 ;k 5 esa 'kqHk xzg fLFkr gksAa
29- prqFksZ'k yXu esa fLFkr gks ;k yXu ij n`f"V gksA
30- yXus'k] f}rh;s'k vkSj panz esa lac/a k gks vkSj yXu] f}rh; ;k f=dks.k esa fLFkr gksA
31- f}rh;s'k f}rh; ;k prqFkZ Hkko esa fLFkr gksA

48 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
32- yXus'k yXu esa fLFkr gks vkSj 'kqHk xzg ls n`"V gksA
33- v'kqHk xzg i`"Bksn; jkf'k esa gksA
34- yXus'k ,dkn'k esa gks vkSj ,dkn'ks'k yXu esa gks ;k nksuksa yXu esa ;k ,dkn'k esa gksAa
35- ,dkn'k Hkko ij yXus'k vkSj ,dkn'ks'k dh n`f"V gksA
36- ,dkn'k Hkko ij lHkh xzgksa dh fe= n`f"V gksA
Future Point

37- yXus'k dk f}rh;s'k ds lkFk vkSj panz jk'kh'k ds lkFk bRFklky gksA
38- 2] 9] 11 esa 'kqHk xzg gksa vkSj yXus'k dh yXu ij n`f"V gksA
39- f}rh;s'k yXu esa ;k f}rh; Hkko esa gks vkSj f}rh; Hkko esa fLFkr xzg ls bRFklky esa gksA
40- f}rh; Hkko esa f}rh;s'k ds lkFk 'kqHk xzg fLFkr gksAa
41- panz vkSj ,dkn'ks'k f}rh; Hkko esa fLFkr gksAa
42- yXus'k vkSj uoes'k dh ;qfr 'kqHk Hkko esa gksA
43- yXus'k f=dks.k esa vkSj panz Lox`gh gksa ;k nksuksa bRFklky esa gksa ;k n`f"V esa gksAa
44- yXus'k ij panz dh n`f"V gks vkSj yXus'k panz dks ns[krk gksA
45- yXus'k ;k ,dkn'ks'k ,dkn'k esa fLFkr gksdj panz ls n`"V gksA
46- yXu esa 3] 6] 7 ;k 11 jkf'k gks ftl ij 'kqHk xzg dh n`f"V gks ;k yXu esa 'kqHk xzg fLFkr gksA
47- yXu esa cq/k gks vkSj feFkqu esa c`gLifr vkSj 'kqØ gksAa
48- yXus'k] ,dkn'ks'k vkSj cyh panz 'kqHk Hkko esa bRFklky esa gksAa
49- panzjk'kh'k ij panz dh n`f"V gksA
50- panz ;k c`gLifr 4] 7] 8] 10 Hkkoksa esa fdlh dk Lokeh gks] mldk yXu ;k yXus'k ls lac/a k gks ;k
mijksDr Hkkoksa esa vdsys gh fo|eku gksA
51- lIres'k vkSj panz vLr gksa rks pksj pksjh ds eky ds lkFk idM+k tk,xkA
52- yXus'k vkSj f}rh;s'k esa bRFklky u gks rks [kks;h oLrq dh [kcj feysxh exj oLrq okil ugha izkIr
gksxhA
[kks;h oLrq iqfyl }kjk izkIr gksxh] vxj
1- yXus'k vkSj n'kes'k ;qfr ;k bRFklky esa gksa rks [kks;h oLrq iqfyl }kjk okil fey tk,xhA
2- f}rh;s'k vkSj yXus'k ij n'kes'k ;k iapes'k dh n`f"V gksA

iz'u T;ksfr"k 49

www.futurepointindia.com www.leogold.com www.leopalm.com


3- n'kes'k vkSj prqFksZ'k dh f}rh;s'k vkSj }kn'ks'k ij n`f"V gksA
4- yXus'k vkSj lIres'k esa bRFklky gks rks pksj iqfyl ds Mj ls eky okil dj nsxkA
5- v"Ves'k vkSj n'kes'k ds e/; bRFklky gks rks vf/kdkjh oxZ pksj dk i{k ysxkA
[kks;h oLrq izkIr ugha gksxh] vxj
1- yXu esa v'kqHk xzg fLFkr gks ;k yXus'k v'kqHk gksA
Future Point

2- vk:<+ yXu lIre Hkko esa gksA


3- ;fn lIre Hkko esa es"k] dU;k ;k edj jkf'k gksA
4- yXus'k lIre esa fLFkr gksA
5- lw;Z yXu esa gks vkSj panz vLr gksA
6- f}rh;s'k lIre ;k v"Ve esa fLFkr gksA
7- eaxy lIre ;k v"Ve esa gksA
8- jkgq yXu esa vkSj lw;Z v"Ve esa gksA
9- v'kqHk xzg dsna z] f=dks.k esa gksa vkSj f}rh; Hkko ij 'kqHk izHkko u gksA
10- lIres'k vkSj panz dh lw;Z ls ;qfr gksA
11- v"Ves'k lIre ;k v"Ve esa fLFkr gksA
12- yXus'k lIre esa oØh gksdj fLFkr gks vkSj lIres'k yXu esa ekStnw gksA
13- ,dkn'ks'k v"Ve esa gks vkSj v"Ves'k ds lkFk ;qfr gksA
14- lIre Hkko esa 'kqHk xzg gksAa
15- f}rh;s'k vLr gks rks pksj idM+k tk,xk exj [kks;k eky ugha feysxkA
16- yXu edj jkf'k dk gks vkSj 'kfu ls n`"V u gks rks [kks;h oLrq ds ckjs esa [kcj feysxh] exj og
feysxh ughaA
17- yXus'k vkSj f}rh;s'k ij dksbZ n`f"V ugha gksA
18- yXu ;k f}rh; Hkko ij yXus'k dh n`f"V u gksA
19- 'kfu vkSj eaxy yXu] vk:<+ yXu ;k uoeka'k yXu esa fLFkr gksAa
20- yXu esa pj jkf'k gksA
21- ;fn 150 ls vf/kd dk f}LoHkko yXu gksA

50 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
22- yXu esa lw;Z vkSj v"Ve esa jkgq fLFkr gksAa
23- yXus'k vkSj ,dkn'ks'k fucZy gksAa
24- yXus'k vkSj f}rh;s'k fucZy gksa vkSj nksuksa dk ijLij lac/a k ugha gksA
25- dsna z] f=dks.k] 2 vkSj 8 Hkko esa 'kqHk xzg fLFkr gksa ;k mudh n`f"V gksA
D;k pksj idM+k tk,xk \ gka
Future Point

1- ;fn lIres'k vLr gksA


2- lIres'k v'kqHk xzgksa ds lkFk dsna z esa fLFkr gksA
3- v"Ves'k vLr gksA
4- n'kes'k vLr gksA
5- n'kes'k vkSj yXus'k esa bRFklky gks rks pksj iqfyl }kjk idM+ fy;k tk,xkA
6- n'kes'k vkSj yXus'k dh ;qfr gksA
7- yXus'k n'ke Hkko esa fLFkr gksA
8- yXus'k dh lIre Hkko ij n`f"V u gks rks pksj pksjh ds lkeku lfgr idM+k tk,xkA
9- yXus'k vkSj lIres'k dh ;qfr gks rks pksj pksjh ds lkeku lfgr idM+k tk,xkA
10- panz vkSj lIres'k vLr gksa rks pksj pksjh ds lkeku lfgr idM+k tk,xkA
11- r`rh;s'k vkSj uoes'k] lIres'k ls bRFklky esa gksa rks pksj vU; 'kgj esa idM+k tk,xkA
12- lIres'k dk r`rh;s'k vkSj n'kes'k ls bRFklky gks rks pksj vU; 'kgj esa idM+k tk,xkA
13- v"Ves'k dk n'kes'k ls bRFklky gks rks iqfyl pksj dh enn djsxhA
14- jkgq ;k dsrq v"Ve esa fLFkr gks vkSj yXu esa dksbZ xzg ugha gks rks pksj idM+ fy;k tk,xk exj
pksjh dk lkeku ugha feysxk vkSj u gh mldk dqN irk yxsxkA
15- yXus'k vkSj lIres'k esa bRFklky gks rks pksj lkeku Lo;a okil dj nsxkA
16- yXus'k yXu esa fLFkr gks rks pksj lkeku Lo;a okil dj nsxkA
17- lIres'k vkSj v"Ves'k esa jkf'k ifjorZu gks rks pksjksa esa fookn gks tk,xk vkSj os idM+s tk,axAs
18- pksj lkeku okil dj nsxk vxj yXus'k dk lIre Hkko esa lIres'k ls bRFklky gks vkSj v"Ves'k
yXu esa cSBk gksA
19- yXu ls r`rh; Hkko esa v'kqHk xzg gks vkSj 5] 7 esa 'kqHk xzg gksa rks pksj lkeku Lo;a okil dj nsxkA

iz'u T;ksfr"k 51

www.futurepointindia.com www.leogold.com www.leopalm.com


20- f}rh;s'k dk yXu ;k r`rh; Hkko esa fLFkr xzg ls bRFklky gks rks pksjh fd;k x;k lkeku fdlh
vU; 'kgj esa LFkkukarfjr dj fn;k x;k gSA
21- panzek yXu esa pj jkf'k esa fLFkr gks rks lkeku fdlh vU; uxj esa LFkkukarfjr dj fn;k x;k gSA
22- f}rh;s'k vLr gks rks pksjh x;k lkeku pksj ds idM+s tkus ds ckotwn izkIr ugha gksxkA
23- f}rh;s'k vkSj v"Ves'k esa bRFklky gks rks pksj iqfyl dh otg ls ugha idM+k tk ldsxkA
Future Point

24- panz vLr gks ;k v'kqHk xzg ls n`"V gks rks [kks;k lkeku pksj ds ikl ugha gSA
25- lIres'k dsna z esa fLFkr gks rks pksj uxj@eksgYys esa gh fLFkr gS vkSj nwj ugha Hkkxk gSA
26- lIres'k dk panz ;k yXus'k ls bRFklky gks rks pksj pksjh esa iDdk gSA
27- yXus'k vkSj f}rh;s'k dh 'kqHk xzgksa ls ;qfr gks ;k muls n`"V gksa rks pksj iqfyl }kjk idM+k tk,xkA
28- iapes'k vkSj n'kes'k ij 'kqHk xzgksa dh n`f"V gks ;k ;qfr gks rks pksj iqfyl }kjk idM+ fy;k tk,xkA
29- eaxy n'ke esa gks vkSj v'kqHk xzg lIre esa fLFkr gksa rks iqfyl pksj dks idM+ ysxhA
dkxt+kr dgha j[kdj Hkwy x;s gSa ;k pksjh gq, gSa \
iz'u T;ksfr"k es]a j[k dj Hkwyh oLrq dh tkap r`rh;@prqFkZ Hkko }kjk dh tkrh gSA r`rh; Hkko vkSj
r`rh;s'k oLrq dks j[k dj Hkwyus ds ladrs d gSAa prqFkZ Hkko vkSj prqFksZ'k oLrq ds pksjh gksus ds ladrs d
gSaA
1- prqFkZ Hkko ij prqFks'Z k dh n`f"V gks ;k prqFkZ esa cyh vkSj 'kqHk panz fLFkr gks rks [kks;@
s Hkwys dkxt+kr
viuh txg ij lqjf{kr gSAa
2- cyh] 'kqHk panz yXu esa fLFkr gks ;k yXu esa 'kh"kksZn; jkf'k gks rFkk cyh@'kqHk xzg dh n`f"V gks rks
[kks;s dkxt+kr ?kj ds vanj gh lqjf{kr gSAa
3- yXu esa cyh] 'kqHk panz gks ;k 'kh"kksZn; jkf'k gks vkSj cyh] 'kqHk xzg dh n`f"V gks ;k ,dkn'ks'k
,dkn'k Hkko esa cyh gksdj cSBk gks rks tkrd [kks;h oLrq dks 'kh?kz izkIr dj ysxkA
yXu esa izFke nz"s dk.k gks rks oLrq ?kj ds eq[; }kj ds fudV fLFkr gSA yXu esa f}rh; nz"s dk.k gks rks
oLrq ?kj ds vanj gSA r`rh; nz"s dk.k gks rks oLrq ?kj ds i`"B Hkkx esa j[kh gSA 1] 2] 3 nz"s dk.k ls Øe'k%
vyekjh ds uhps dk [kkuk] e/; Hkkx vkSj Åijh Hkkx dk cks/k Hkh gksrk gSA
yXu esa fLFkr jkf'k gks ;k uoeka'k yXu esa fLFkj jkf'k gks ;k oxksZÙke fLFkj jkf'k gks rks [kks;h oLrq
ifjokj ds fdlh lnL; ds ikl gSA vU;Fkk ckgj ds fdlh O;fDr us yh gS ;k ?kj ds ckgj pyh x;h
gSA

52 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
oLrq okil ugha feysxh
1- vxj panz vkSj lw;Z 6] 8] 12 esa fLFkr gksa rks dqN ugha feysxkA
2- prqFkZ Hkko esa v'kqHk xzg gksa rks oLrq ugha feysxhA
3- lIre esa eaxy] 8 esa lw;Z vkSj yXu esa jkgq gksa rks oLrq ugha feysxhA
Future Point

22-05-1997 dks 11%45 dkuiqj


'kfu cq/k lw;Z 7&23 6 4
22&34 12&15 'kqØ jkgq yXu 3
dsrq 20&21
7
eaxy
2
8 5
dqaMyh 30 lw;Z
yXu
xq# 4&11 panz
9 11 'kqØ 1
27&34 ea- 26&16
panz jkgq 10 12 cq/k
5&51 2&50 xq# 'kfu dsrq

iw.kZ panz prqFkZ esa fLFkr gS vkSj yXu esa fLFkr jk'kh'k eaxy ls n`"V gSA
yXus'k lw;Z n'ke Hkko esa gksdj dsna z esa cyh gSA fn'kkcy Hkh gS] exj 'k=q{ks=h gSA uhp ds c`gLifr
dh n`f"V gS vkSj v"Ve esa fLFkr 'k=q 'kfu ls Hkh n`"V gSA
cq/k f}rh;s'k vkSj ,dkn'ks'k gksdj lw;Z vkSj 'kfu ds e/; ikidrZjh ;ksx esa gSA
r`rh;s'k dsna z esa Lojkf'k esa fLFkr gS] vr% tkrd dkxt+kr dgha j[k dj Hkwy x;s gSAa
yXu esa fLFkj jkf'k gS] yXus'k vkSj panz Hkh fLFkj jkf'k esa gSAa vr% dkxt+kr viuh txg ij gh ekStnw
gSAa tc yXus'k lw;Z vkSj dkjd eaxy ds e/; lgk;d bRFklky gksxk rks nLrkost fey tk,axAs lw;Z
vkSj eaxy ds e/; va'kksa dk varj 190 gSA vr% 19 fnu esa nLrkost feysx a As fLFkj jkf'k esa gksus ds dkj.k
fnuksa dh la[;k nqxquh vFkkZr yxHkx 38 fnu esa tc panzek }kjk dacy w ;ksx dk fuekZ.k gksxk rc
nLrkost feysx a As

iz'u T;ksfr"k 53

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&13

fookg
Future Point

fookg dk fopkj f}rh; vkSj lIre Hkko vkSj muds vf/kifr;ksa }kjk vkSj dkjd 'kqØ vkSj panz }kjk
fd;k tkrk gSA
oj dks o/kq izkIr gksxh] vxj
1- 'kfu yXu ds vfrfjDr fdlh Hkko esa le jkf'k esa fLFkr gksA
2- panz yXu esa fLFkr gksdj n'kes'k ls n`"V gksA
3- panzek f}rh; Hkko esa fLFkr gksdj 'kqØ ls n`"V gks vkSj v'kqHk xzg dh n`f"V u gksA
4- 'kqØ ;k panz yXu esa fLFkr gks vkSj yXus'k ls bRFklky gksA
5- panzek 3] 7] 9 ;k 10 Hkko esa fLFkr gksdj yXus'k dks ns[krk gksA
6- 'kqØ ij 'kqHk xzgksa dh n`f"V gksA
7- mPp dk 'kqHk xzg dsna z ;k 11osa Hkko esa fLFkr gks vkSj 'kqHk xzg ls n`"V gksA
8- panz 2] 3] 6] 7] 10 ;k 11 esa fLFkr gksdj c`gLifr ls n`"V gksA
9- 'kqØ 1] 7] 10 ;k 11 esa fLFkr gksdj 'kqHk xzg ls n`"V gksA
10- c`gLifr yXu esa pj jkf'k esa fLFkr gks vkSj dsna z esa dksbZ v'kqHk xzg u gksA
11- panzek o`"k jkf'k esa 7 ;k 10 Hkko esa gks vkSj c`gLifr ;k 'kqØ dh n`f"V gksA
12- 'kqØ yXu esa fLFkr gksdj 'kqHk xzg ls n`"V gks vkSj dsna z esa dksbZ v'kqHk xzg u gksA
13- lIres'k dk panz ;k yXus'k ls bRFklky gksA dkjd vkSj yXus'k ds vU; lac/a kksa dk fopkj Hkh djsAa
14- 'kfu lIre esa fLFkr gks rks fookg gksxk] exj nsjh lsA
15- panz vkSj 'kqØ cyh gksdj le jkf'k esa gksa ;k lejkf'k uoeka'k esa gksa vkSj yXu ij n`f"V Mkysa rks
oj dks o/kq izkIr gksxhA
dU;k dks oj izkIr gksxk] vxj
1- 'kfu fo"ke jkf'k esa yXu ds vfrfjDr fdlh Hkko esa fLFkr gksA

54 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
2- yXu esa fo"ke jkf'k gks vkSj c`gLifr yXu ;k 11osa Hkko esa fLFkr gksA
3- 'kqØ ;k panz 7 ;k 11 Hkko esa fLFkr gksdj 'kqHk xzgksa ls ;qr ;k n`"V gksA
4- panz vkSj 'kqØ cyh gksa vkSj fo"ke jkf'k esa fLFkr gksdj ;k uoeka'k esa fo"ke jkf'k esa fLFkr gksdj
yXu ij n`f"V Mkyrs gksAa
fookg ugha gksxk %
Future Point

1- lIre Hkko esa 'kfu vkSj panz fLFkr gksAa


2- 'kqØ ¼dkjd½] lIre Hkko vkSj lIres'k nwf"kr gksAa
3- 'kqØ] 2 vkSj 7 Hkko] f}rh;s'k vkSj lIres'k nwf"kr gksAa
4- eaxy vkSj 'kfu panz ;k 'kqØ ls lIre Hkko esa gksAa
5- 1] 2 vkSj 7 esa v'kqHk xzg gksa vkSj 5 esa fucZy panz gksA
6- lIres'k 8 ;k 12 esa gks vkSj nwf"kr gksA
7- lIres'k 5]8 ;k 12 esa fLFkr gks ;k vLr] uhp dk gks ;k ikidrZjh esa gks vkSj 'kqØ Hkh nwf"kr gksA
8- 6] 8 ;k 10 dk Lokeh lIre esa fLFkr gks vkSj 'kqHk xzgksa dh ;qfr ;k n`f"V u gksA
9- fucZy panz iape esa fLFkr gks vkSj 2] 7] 12 Hkko esa v'kqHk xzg gksa ;k mudh n`f"V gksA
10- jkgq lIre Hkko esa fLFkr gksdj 'kqHk xzgksa ls n`"V gksA
11- lIres'k vkSj v"Ves'k esa fofue; gksA
12- lIres'k] panz ;k yXus'k v'kqHk xzgksa ls bRFklky ;ksx esa gksAa
ifr&iRuh esa laca/k dSls jgsaxs \
yXu dks ifr ekusa vkSj lIre Hkko dks iRuh ;k iRuh dh iz'u dqM
a yh esa Bhd blds foijhr fopkj
djsAa ifr&iRuh esa izes vkSj vknj dh Hkkouk gksxh ;fn %
1- yXus'k vkSj lIres'k esa bRFklky gks vkSj vU; 'kqHk ;ksx gksAa
2- panz vkSj 'kqØ dh 'kqHk xzgksa ls ;qfr ;k n`f"V gksA
3- panz c`gLifr dh jkf'k esa gks ;k 'kqHk Hkkoksa esa le jkf'k esa gksA
4- yXus'k vkSj lIres'k 'kqHk xzg gksa vkSj panz ls dacy
w ;ksx esa gksAa
5- yXus'k yXu esa gks rks iRuh vkKkdkfj.kh gksxhA
6- yXus'k lIre esa gks rks ifr vkKkdkjh gksxkA

iz'u T;ksfr"k 55

www.futurepointindia.com www.leogold.com www.leopalm.com


7- prqFkZ Hkko esa 'kqHk xzg gks rks ifr llqjky ds /ku dk ykHk mBk,xkA
8- panz vkSj lIres'k dh 'kqHk xzgksa ls ;qfr ;k n`f"V gksA
D;k esjk izse laca/k QykfUor gksxk \

5 tqykbZ] 1996 dks 14%15 fnYyh


Future Point

'k- 13&26 'kqØ 18&9 lw-19&47 8 6


ds 18&34 ea- 22&14 cq-¼vLr½ jkgq
9 yXu 5
12&34
xq#¼o½ 7
panz 4
18&40 10
dqaMyh 31
11 1 lw;Z
panz cq-¼vLr½
xq#¼o½ yXu 12
jkgq 2 3
18&51 12&56
18&34 'kfu dsrq 'kqØ eaxy

Û ;fn iapes'k dk lac/a k 7 vkSj 11 Hkko vkSj muds Lokfe;ksa ls gks rks izes izlx
a QyhHkwr gksxkA
Û iapes'k dk lac/a k 6] 8] 12 Hkko ;k muds Lokfe;ksa ls gks rks izes izlx
a lQy ugha gksxkA
Û iapes'k dk lac/a k NBs Hkko ;k "k"Bs'k ls gks rks nwljk i{k gV tk,xk D;ksfa d NBk Hkko 7osa dk O;;
Hkko gSA
Û iapes'k dk lac/a k 12 Hkko ;k }kn'ks'k ls gks rks tkrd Lo;a gV tk,xk] D;ksfa d 12oka Hkko yXu
dk O;; Hkko gSA
Û iapes'k dk lac/a k 8 Hkko ;k v"Ves'k ls gks rks tkrd ds ekrk&firk ck/kk igqp
a k,axAs
mijksDr dqM
a yh dks ns[ksAa
yXu pj 'kh"kksZn; jkf'k esa gSA yXus'k 'kqØ Lojkf'k esa v"Ve esa lIres'k eaxy ls ;qfr esa gS vkSj iapes'k
'kfu ls n`"V gSA vr% yXus'k] lIres'k vkSj iapes'k esa lac/a k gSA
panz dks yXu ekuus ij iapes'k cq/k lIres'k lw;Z ls uoe esa cq/k jkf'k esa ;qfr esa gS vkSj ,dkn'ks'k
c`gLifr ls n`"V gSA 'kqØ lIres'k eaxy ls bRFklky esa gSA tkrd dk okafNr dU;k ls fnlacj 1996
esa fookg gqvkA

56 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
D;k esjk nwljk fookg gksxk \
fookg ifjokj esa o`f)] Hkkxhnkjh] dkuwuh lac/a k vkSj 'kkjhfjd lac/a k dk lwpd gSA f}rh; Hkko ikfjokfjd
lnL;ksa dh o`f)] lIre Hkko Hkkxhnkjh vkSj dkuwuh lac/a k vkSj ,dkn'k Hkko /ku ykHk ds ladrs d gSAa
vr% izFke fookg dk fopkj 2] 7] 11 Hkko ls gksrk gSA f}rh; fookg ds fy, flQZ 2 vkSj 11 Hkko vkSj
muds Lokfe;ksa dk fopkj fd;k tkrk gSA
fuEu fu;eksa ds iw.kZ gksus ij f}rh; fookg gksrk gS %
Future Point

1- lIres'k] lIres'k uoeka'k esa ftl jkf'k esa gks mldk Lokeh] lIres'k ds u{k= ds Lokeh dk lacèa k
f}rh; ;k ,dkn'k Hkko vkSj muds Lokfe;ksa ls gksuk pkfg,A
2- v- lIre Hkko esa fLFkr xzg vkSj
vk- lIres'k ls ;qfr okys xzg ;k lIres'k ij n`f"V Mkyus okys xzg dk lac/a k f}rh; ;k ,dkn'k Hkko
vkSj muds Lokfe;ksa ls gksuk pkfg,A
3- lIres'k f}LoHkko jkf'k esa gksA lIres'k ds u{k=s'k ;k lIres'k dh uoeka'k esa jkf'k ds Lokeh dk
lac/a k f}LoHkko jkf'k ls gksA
4- cq/k dk lac/a k lIre Hkko ;k lIres'k ls gksA

18-01-1999 dks 17%51] fnYyh


xq# 'kfu 5 3
01&00 03&17
6 yXu 2
yXu jkgq
5&41 4 1
jk- 28&20 7
lw- 4&7 dqaMyh 32 'kfu
pa- 14&24 eaxy 10
'kq- 23&28 8 lw;Z] 'kq Ø 12
ds- 28&20
cq/k¼vLr½ pan¼z vLr½ xq#
eaxy 9 11
23&31 2&46 dsrq
cq/k¼vLr½

lIres'k 'kfu dsrq ds u{k= esa gSA 'kfu dk uoeka'k esa jk'kh'k eaxy gS tks lIre esa fLFkr 'kqØ dh
jkf'k esa gSA eaxy dh lIre ij n`f"V Hkh gSA ,dkn'ks'k lIre esa gSA f}rh;s'k lw;Z Hkh lIre esa gSA
vr% nwljs fookg dk ladrs feyrk gSA

iz'u T;ksfr"k 57

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&14

larku
larku dk fopkj iape Hkko] iapes'k] iape esa fLFkr xzg] iape ij n`f"V Mkyus okys xzg] iapes'k ls ;qfr
Future Point

okys xzg] iape ls iape vFkkZr uoe Hkko vkSj dkjd c`gLifr ls iape Hkko vkSj c`gLifr ls fd;k tkrk
gSA lIre Hkko vkSj lIres'k dh Hkwfedk Hkh egRoiw.kZ gSA
D;k larku mRiUu gksxh \ ßgkaÞ %
1- iapes'k 'kqHk xzg gks vkSj yXus'k ;k panz ls bRFklky esa gks ;k 'kqHk xzg dh n`f"V@;qfr gksA
2- panz yXu ;k vk:<+ yXu esa fLFkr gks ;k 'kqHk xzg ls n`"V gksA
3- c`gLifr yXu] vk:<+ yXu ;k 5] 7] 9 Hkko esa fLFkr gksA
4- c`gLifr ;k 'kqØ cyh gksdj iape esa fLFkr gksA
5- yXus'k iape esa vkSj iapes'k yXu esa fLFkr gksAa
6- yXus'k vkSj iapes'k dh ;qfr gksdj 'kqHk xzg dh ;qfr@n`f"V gksA
7- 'kqØ dh iapes'k ls 5 ;k 11 Hkko esa ;qfr gksA
8- iapes'k yXu esa fLFkr gks] panz vkSj ,dkn'ks'k iape esa fLFkr gksAa
9- lw;Z vkSj jkgq nksuksa yXu ;k vk:<+ yXu esa fLFkr gksAa
10- c`gLifr] panz vkSj jkgq yXu ;k vk:<+ yXu esa fLFkr gksAa
11- yXus'k] iapes'k vkSj panz bRFklky esa gksAa
xHkZ/kkj.k ugha gksxk] vxj %
1- yXus'k vkSj panz dk vkiksfDye Hkkoksa ¼3] 6] 9] 12½ esa bRFklky gks vkSj iapes'k dh yXu ;k iape
Hkko ij n`f"V u gksA
2- panz dk v'kqHk xzg ls bRFklky gksA
3- panzek vLr ;k fucZy gksA
4- panzek iape es]a lw;Z uoe esa vkSj 'kqØ r`rh; Hkko esa fLFkr gksAa

58 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
xHkZikr
1- iapes'k dh uoeka'k esa jkf'k ds vf/kifr ds lkFk ftrus v'kqHk xzgksa dh ;qfr gks] mrus xHkZikr gksrs
gSAa iapes'k dh uoeka'k esa jkf'k ds vf/kifr dks jkf'k dqM
a yh esa ns[ksAa mlds lkFk v'kqHk xzgksa dh
;qfr@n`f"V xHkZikr djkrh gSA
2- iape Hkko esa v'kqHk xzg cSBs gks]a yXus'k v'kqHk gks ;k yXu esa v'kqHk xzg gksa ;k yXus'k dh v'kqHk
xzgksa ls ;qfr gks vkSj panz dk v'kqHk xzg ls bRFklky gksA
Future Point

3- yXus'k ;k panz dk vLr] uhpLFk] oØh ;k v'kqHk xzg ls bRFklky gksA


4- iape Hkko] iapes'k vkSj c`gLifr ij v'kqHk xzgksa dk izHkko gksA
5- panz dk pj jkf'k ds v'kqHk xzg] yXus'k ;k oØh xzg ls bRFklky gksA
6- eaxy v"Ve Hkko esa fLFkr gksA
8- c`gLifr vkSj 'kqØ nksuksa v"Ve esa gksa rks L=h ckyd dks tUe nsxh] exj og thfor ugha jgsxkA
9- lw;Z vkSj 'kqØ v"Ve esa fLFkr gksa vkSj 2]12 esa v'kqHk xzg gksa rks xHkZikr gks tk,xkA
10- iape Hkko esa eaxy ;k 'kqØ fLFkr gks rFkk v'kqHk xzgksa dh ;qfr@n`f"V gksA
11- panz vkSj ifjos'k ¼ifjf/k&panzek dk mixzg½ nksuksa yXu ;k vk:<+ yXu ;k uoeka'k yXu ls v"Ve
Hkko esa gksa rks xHkZikr gksxkA panzek vxj 'k=q{ks=h ;k uhpLFk gks rks eka vkSj f'k'kq nksuksa dh e`R;q
gks tk,xhA
¼/;ku nsa % ifjos'k panzek dk mixzg gSA ;g lw;Z ds 460&40* va'kksa ds led{k gSA ;g f'k'kq tUe
esa egRoiw.kZ gSA ;g jkgq ds leku xf.krh; fcanq gS½
12- 'kfu vkSj eaxy yXu esa fLFkr gksa vkSj v'kqHk xzgksa ls n`"V gksAa
13- panz eaxy ;k 'kfu dh jkf'k esa fLFkr gks ¼es"k ;k o`f'pd] edj ;k dqHa k½ vkSj v'kqHk xzg ls n`"V
gksA
14- panz ij eaxy ;k 'kfu dh n`f"V gksA
15- yXu ;k panz ikidrZjh ;ksx esa gks vkSj 'kqHk xzgksa dh n`f"V u gks rks eka vkSj f'k'kq dh e`R;q gks
tk,xhA
16- yXu vkSj lIre esa v'kqHk xzg gksa vkSj 'kqHk xzgksa dh n`f"V u gks rks eka vkSj f'k'kq nksuksa dh e`R;q
gks tk,xhA
17- 'kfu yXu esa gks vkSj fucZy panz vkSj eaxy ls n`"V gks vkSj 'kqHk xzgksa dh n`f"V u gks rks eka vkSj
f'k'kq nksuksa dh e`R;q gks tk,xhA

iz'u T;ksfr"k 59

www.futurepointindia.com www.leogold.com www.leopalm.com


18- yXu ;k panz ls prqFkZ Hkko esa v'kqHk xzg gksa rks xHkZikr gks tk,xkA
19- 'kqØ ikidrZjh esa gks rks xHkZikr gksxkA ¼'kqØ xHkkZoLFkk ds izFke ekl dk] eaxy f}rh; dk] c`gLifr
r`rh; dk] lw;Z prqFkZ dk] panzek iape dk] 'kfu "k"B dk] cq/k lIre dk] yXus'k v"Ve ekl dk]
panzek uoe dk vkSj lw;Z n'ke ekl dk dkjd gksrk gS½A vxj dksbZ xzg iki drZjh esa gks rks ftl
xeZ ekl dk og dkjd gksrk gS] mlesa xHkZikr gks tkrk gSA
20- lw;Z yXu esa fLFkr gks] panz fucZy gks rFkk v'kqHk xzg dh n`f"V gks rks xHkZikr gksxkA
Future Point

21- eaxy yXu esa ikidrZjh ;ksx esa gks rks xHkZikr gks tkrk gSA
22- iapes'k 6] 8] 12 esa fLFkr gksdj v'kqHk xzgksa ls n`"V gksA
f'k'kq iq= ;k iq=h \
1- cyh yXu] panz] lw;Z vkSj c`gLifr fo"ke jkf'k ;k fo"ke uoeka'k esa fLFkr gksa rks iq= dk tUe gksxkA
2- mijksDr xzg le jkf'k ;k uoeka'k esa gksa rks dU;k dk tUe gksrk gSA
3- cyh panz] 'kqØ vkSj eaxy lejkf'k esa gksa rks dU;k dk tUe gksrk gSA
5- 'kfu 1] 3] 5] 7] 9] 11 Hkkoksa ds vfrfjDr vU; Hkko esa fo"ke jkf'k esa gks rks iq= tUe] le jkf'k
esa gks rks dU;k dk tUe gksrk gSA
6- yXus'k vkSj iapes'k fo"ke jkf'k esa gksa rks iq= tUe gksrk gSA
7- iapes'k iq#"k jkf'k esa gks vkSj yXus'k iape Hkko esa fLFkr gksdj iq#"k xzg ls n`"V gks rks iq= tUe
gksrk gSA
8- iapes'k vkSj yXus'k le jkf'k esa fLFkr gksa vkSj L=h xzg ¼panz] 'kqØ] cq/k½ ls n`"V gksa rks dU;k dk
tUe gksrk gSA
9- panz fo"ke jkf'k esa fLFkr gksdj iq:"k xzg ls bRFklky esa gks rks iq= dk tUe gksrk gSA
10- iz'udky dh gksjk dk Lokeh iq:"k gks vkSj fo"ke jkf'k esa fLFkr gks rks iq= dk tUe gksrk gSA
11- lw;Z 3] 6] 7] 10] 11 Hkko esa gks rks iq= vkSj bu Hkkoksa esa panz gks rks dU;k dk tUe gksrk gSA

60 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
vè;k;&15

U;k;k/khu fookn
oknh og O;fDr gS tks vnkyr esa tkdj U;k; dh Q+fj;kn djrk gSA
Future Point

izfroknh og O;fDr gS ftlds fo:) eqdnek nk;j fd;k tkrk gSA


3 ls 8 rd Hkko izfroknh ds izfrfuf/k gSaA 9 ls 2 rd Hkko oknh ds ladsrd gSaA
izfroknh ds Hkkoksa esa 'kqHk xzg fLFkr gksa rks og thrrk gSA blh izdkj oknh ds Hkkoksa esa 'kqHk xzg gksa rks
mldh fot; gksrh gSA
cgqekU; fopkj ds vuqlkj yXu iz’udrkZ gS vkSj lIre Hkko fojks/kh nyA
;fn yXus’k ;k yXu esa fLFkr v’kqHk xzg uhpLFk ;k vLr ;k fucZy gks rks iz’udrkZ fot;h ugha gksxkA
cyh v’kqHk xzg yXu esa fLFkr gks ;k panzek dh 'kqHk xzgksa ls ;qfr@n`f"V gks rks iz’udrkZ fot;h gksxkA
yXus’k ds va’k de gksa vkSj cyh 'kqHk xzgksa ls dsanz esa gks rks Hkh iz’udrkZ fot;h gksrk gSA
yXu vkSj lIre Hkko nksuksa esa v’kqHk xzg cSBs gksa rks fookn dk var 'kkafriw.kZ ugha gksxkA blh izdkj
lIres’k vkSj yXus’k esa bRFklky gks rks var v’kkafriw.kZ gksxkA
prqFkZ Hkko esa ddZ] o`f’pd] dqaHk ;k ehu jkf’k gks rks fojks/kh eqdnek gkjsxkA lkoar i`Fkq;’k ds vuqlkj
prqFkZ Hkko ;k yXu esa prq"ikn jkf’k es"k] o`"k] flag ;k /kuq gks rks iz’udrkZ fot;h gksrk gSA vxj panz
10 ls 4 rd Hkkoksa esa 'kqHk xzgksa ls ;qr gks vkSj yXu cyh gks rks iz’udrkZ fot;h gksrk gSA
yXu esa 4 & 5 xzg yXu dks fucZy cukrs gSaA blh izdkj lIre esa 4&5 xzg lIre dks cyghu djrs
gSaA
dqN ;ksx
1- yXu esa fLFkj jkf’k gks rks eqdnes esa gkj ugha gksxhA
2- yXu esa pj jkf’k gks rks ifjorZu gksrk gS] ftlls gkj gksrh gSA
3- yXu esa f}LoHkko jkf’k 150 ls de va’kksa esa gks rks pj jkf’k dk ifj.kke feyrk gSA 150 ls vfèkd
gksus ij fLFkj jkf’k dk Qy feyrk gSA
4- lIre Hkko vkSj lIres’k 'kqHk ;ksxksa lfgr gksa rks fojks/kh le>kSrk dj ysxkA
5- fookn ds le; feFkqu ;k dU;k yXu gks rks tkrd thrdj /ku izkIr djsxkA

iz'u T;ksfr"k 61

www.futurepointindia.com www.leogold.com www.leopalm.com


6- yXu esa 'kqØ gks rks le>kSrk gks tk,xkA
7- iz’u dqM
a yh esa eaxy] 'kfu vkSj c`gLifr cyh gksa ¼mudh fLFkfr dSlh Hkh gks½ rks iz’udrkZ thrsxkA
8- 'kfu yXus’k gksdj vf/kd va’kksa esa gks vkSj lIres’k ds va’k de gksa vkSj dacy
w ;ksx gks rks iz’udrkZ
thrsxkA
9- yXus’k vkSj n’kes’k dk 'kqHk Hkkoksa esa bRFklky gks ;k yXus’k yXu esa] n’kes’k n’ke esa gks rks
iz’udrkZ fot;h gksxkA
Future Point

10- lIres’k dk f}rh; Hkko esa fLFkr gksdj f}rh;s’k ls bRFklky gks rks fojks/kh gkjsxkA
11- yXu] lIre vkSj n’ke Hkko esa 'kqHk xzg gksa rks iz’udrkZ thrsxkA
12- cq/k] 'kqØ ;k c`gLifr yXu vkSj uoe esa fLFkr gksa rks iz’udrkZ thrsxkA
13- 'kh"kksZn; yXu esa 'kqHk xzg gksa ;k 'kqHk xzgksa dh n`f"V gks vkSj cyh 'kqHk xzg dsanz@f=dks.k esa fLFkr
gksa rks iz’udrkZ thrsxkA
14- n’kes’k yXu esa vkSj yXus’k n’ke esa fLFkr gksA
15- panzek n’ke esa gks] 'kqØ vkSj cq/k prqFkZ vkSj n’ke esa vkSj v’kqHk xzg 3] 6] 11 esa gksa rks iz’udrkZ
thrsxkA
16- panzek n’ke esa] cq/k vkSj 'kqØ 4] 5 esa] c`gLifr yXu esa] v’kqHk xzg 3] 6] 11 esa gksa rks iz’udrkZ
thrsxkA
17- yXu esa 'kqØ] prqFkZ esa cq/k] c`gLifr lIre esa] v’kqHk xzg 3]6]11 esa gksa rks iz’udrkZ thrrk gSA
18- c`gLifr yXu esa] panzek prqFkZ esa] 'kqØ vkSj cq/k n’ke esa] lw;Z ,dkn’k esa vkSj 'kfu r`rh; Hkko esa
gksaA
19- c`gLifr yXu esa] panzek lIre esa] cq/k vkSj 'kqØ 4] 10 esa] v’kqHk xzg 3]6] 11 esa gksa rks iz’udrkZ
fot;h gksxkA
¼mijksDr ;ksxksa ls iz’udrkZ thrsxk D;ksafd dsanz esa 'kqHk xzg gSa] 3] 6] 11 esa v’kqHk xzg gSa½
20- yXu esa cq/k vkSj 'kqØ] 11osa Hkko esa lw;Z] eaxy vkSj jkgq iz’udrkZ dks fot; fnykrs gSaA
21- yXu esa c`gLifr] n’ke esa lw;Z] lIre esa panz vkSj prqFkZ esa cq/k iz’udrkZ dh fot; ds ladsrd
gSaA
22- n’ke esa c`gLifr] yXu esa 'kqØ vkSj ,dkn’k esa v’kqHk xzg gks rks iz’udrkZ thrrk gSA
23- yXus’k /kheh xfr okyk xzg gksdj panz ls dacwy ;ksx esa gks vkSj panz ds va’k rhoz xfr okys xzg
ls vf/kd gksa rks iz’udrkZ fot;h gksxkA

62 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
24- n’kes’k yXu esa gks ;k prqFksZ’k "k"V esa gks rks 'k=q dh lsuk tkrd dks thrus esa lgk;rk djrh
gSA
25- n’ke ls yXu rd ds Hkkoksa esa 'kqHk xzg gksa vkSj 'kfu yXu ls prqFkZ rd fdlh Hkko esa gks rks pquko
;k eqdnek thrus esa dksbZ O;fDr ennxkj lkfcr gksxkA
26- lIres’k NBs Hkko esa fLFkr gks rks pquko ;k eqdnes esa thr gksrh gSA
27- lw;Z }kn’k Hkko esa gks rks pquko ;k eqdnes esa thr gksrh gSA
Future Point

28- prqFkZ Hkko esa prq"ikn jkf’k gks rks iz’udrkZ thrrk gSA
29- 4] 5] 6 esa v’kqHk xzg gksa rks iz’udrkZ fot;h gksrk gSA
30- lw;Z yXu ;k vk:<+ yXu ls ,dkn’k esa gks rks iz’udrkZ thrrk gSA
31- yXu fLFkj jkf’k esa gks vkSj panz f}LoHkko jkf’k esa gksA
32- yXu f}LoHkko jkf’k esa gks vkSj panz pj jkf’k esa gksA
33- yXu pj jkf’k esa vkSj panz f}LoHkko jkf’k esa gksA
34- yXu esa cyh v’kqHk xzg fLFkr gks rks iz’udrkZ fot;h gksrk gSA cyh v’kqHk xzg lIre esa fLFkr
gks rks fojks/kh thrrk gSA
35- f}rh; vkSj uoe Hkko esa ’kqHk xzg gksa rks iz’udrkZ thrrk gSA bu Hkkoksa esa eaxy vkSj 'kfu gksa rks
foi{k fot;h gksrk gSA
foi{k fot;h gksxk
1- yXus’k v"Ve esa fLFkr gksdj v"Ves’k ls bRFklky esa gksA
2- yXus’k }kn’k esa fLFkr gksA
3- ;fn yXus’k /kheh xfr esa vLr ;k uhpLFk gksdj rhozxfr xzg ;k panz ls bRFklky esa gks ;k
lIres’k dsanz esa gks ¼Hkys gh og uhpLFk ;k vLr gks½A
4- }kn’k Hkko ;k }kn’ks’k cyh gks rks foi{k cyh gksrk gSA blh izdkj NBk Hkko ;k "k"Bs’k ;k lIre
vkSj lIres’k cyh gksa rks fojks/kh ny cyoku gksrk gSA
5- yXu fLFkj jkf’k esa vkSj panz pj jkf’k esa gks rks foi{k fot;h gksrk gSA
6- v’kqHk xzg lIre esa cyh gksaA
7- lIres’k vkSj prqFksZ’k esa bRFklky gksA
8- yXu ;k panz dh v’kqHk xzgksa ls ;qfr@n`f"V gksA

iz'u T;ksfr"k 63

www.futurepointindia.com www.leogold.com www.leopalm.com


9- prqFkZ Hkko esa tyjkf’k gksA
10- eaxy ;k 'kfu uoe esa ;k yXu esa gksA
11- 'kfu 3] 5] 6] 11 ;k 12 esa gksA
12- 'kfu 10] 11] 12 esa gksA
13- prqFksZ’k vkSj lIres’k esa bRFklky gks] ;k prqFksZ’k prqFkZ esa vkSj lIres’k lIre esa fLFkr gksA
Future Point

14- panzek fdlh 'kqHk xzg ls ;qr gksdj 4 ls 10 esa fdlh Hkko esa fLFkr gks vkSj lIres’k cyh gksA
le>kSrk gks tk,xk
1- yXus’k vkSj lIres’k ij 'kqHk xzgksa dh n`f"V gksA
2- yXus’k vkSj lIres’k esa 3] 6] 10] 11 Hkko esa bRFklky gksA
3- ,dkn’k Hkko esa cyh 'kqHk xzg gksA
4- 4 ;k 10 Hkko esa cyh 'kqHk xzg gksA
5- prqFkZ Hkko esa 2 ;k 3 cyh 'kqHk xzg gksaA
6- yXu esa f}ikn jkf’k esa 'kqHk xzg fLFkr gks ;k mldh n`f"V gksA
7- 'kqHk xzg f}ikn jkf’k esa dsanz esa fLFkr gks vkSj 'kqHk xzg dh n`f"V gksA
8- 'kqØ yXu ls NBs Hkko esa ;k es"k jkf’k esa fLFkr gksA
9- lw;Z vkSj 'kqØ yXu esa fe= jkf’k esa gksaA
10- c`gLifr yXu ;k vk:<+ yXu ls f}rh; Hkko esa fLFkr gksA
11- yXu ;k vk:<+ yXu ij 'kqHk xzgksa dh n`f"V gksA
12- yXu ;k panz pj jkf’k esa gksA
13- yXus’k vkSj iapes’k dsanz esa fLFkr gksa vkSj 'kqHk xzgksa ls ;qr@n`"V gksaA
14- yXus’k iape Hkko esa fLFkr gks vkSj 'kqHk xzg 4 vkSj 10 esa fLFkr gksaA
15- 'kqHk xzg yXu] 11 ;k 12 Hkko esa f}ikn jkf’k esa fLFkr gksaA

64 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
vè;k;&16

ykHk&gkfu
Future Point

ykHk ;k gkfu ds ckjs esa tkuus ds fy, 1] 2] 5] 7] 11 Hkkoksa dk fopkj fd;k tkrk gSA bu Hkkoksa esa
cyh 'kqHk xzg fLFkr gksa rks tkrd dks ykHk gksxkA v’kqHk xzg fLFkr gksus ij gkfu gksxhA iape Hkko
,dkn’k Hkko ls lkroka gksrk gS vFkkZr fojks/kh dks ykHkA
ykHk & gkfu ds dqN ;ksx
1- yXu esa 'kh"kksZn; jkf’k esa 'kqHk xzg gksa rks ykHk gksxkA
2- yXu esa 'kqHk xzg dh jkf’k gks ;k 'kqHk xzg fLFkr gks ;k mldh n`f"V gks rks ykHk gksxkA
3- yXu esa v’kqHk xzg dh jkf’k gks] v’kqHk xzg fLFkr gks ;k mldh n`f"V gks rks gkfu gksxhA
4- yXu esa uj jkf’k ¼3] 6] 7] 10½ gks] mlesa 'kqHk xzg fLFkr gksa ;k mudh n`f"V gks rks ykHk gksxkA
5- yXu esa 'kqHk xzg dh i`"Bksn; jkf’k gks] 'kqHk&v’kqHk nksuksa xzg fLFkr gksa] /ku dqN nsjh ds ckn izkIr
gksxkA 'kqHk xzg ds cy }kjk iz’u dk QSlyk gksxkA
eku ;k /ku dk ykHk
yXus’k vkSj yXu] ,dkn’ks’k vkSj ,dkn’k vkSj c`gLifr ds cy dk iz’udqaMyh esa foospu djsaA
yXus’k] ,dkn’ks’k ;k c`gLifr uhpLFk] vLr] 'k=q{ks=h] f=d Hkko esa] ikidrZjh esa] v’kqHk xzgksa ls
;qr@n`"V gksa rks ykHk de gksxkA
eku@/ku dk ykHk gksxk
1- yXus’k vkSj ,dkn’ks’k esa 'kqHk bRFklky gksA
2- yXus’k vkSj ,dkn’ks’k esa dsanz@f=dks.k@,dkn’k esa bRFklky gks vkSj dacwy ;ksx gksA
3- yXus’k vkSj ,dkn’ks’k cyh gksaA
4- cyh c`gLifr dsanz esa fLFkr gks vkSj
v- mPp dk gks rks iw.kZ ykHk]
vk- Lojkf’k esa gks rks 25 izfr’kr ykHk]
b- vU; jkf’k esa gksdj 'kqHk Hkko esa gks rks ekewyh ykHk gksxkA

iz'u T;ksfr"k 65

www.futurepointindia.com www.leogold.com www.leopalm.com


5- mijksDr vuqlkj gh ,dkn’ks’k dk Qy gksxkA
6- n’kes’k dk lw;Z vkSj cq/k ls bRFklky gks rks ljdkj ls fyf[kr le>kSrk gksxkA
ukSdjh }kjk ykHk
1- yXu dks iz’udrkZ vkSj lIre Hkko dks fojks/kh ekusaA 'kh"kksZn; jkf’k dk yXu 'kqHk xzgksa ls ;qr ;k
n`"V gksA
Future Point

2- 2] 7] 8 Hkkoksa esa 'kqHk xzg gksa vkSj 3] 6] 11 esa v’kqHk xzg gksaA
3- yXu vkSj lIre Hkko esa cyh panz vkSj 'kqHk xzg cSBs gksa ;k mudh n`f"V gks vkSj v’kqHk xzgksa dk
izHkko ugha gks rks deZpkjh dks ekfyd dk izse vkSj ln~Hkko izkIr gksrk gSA
4- yXu vkSj lIre Hkko esa v’kqHk xzg gksa ;k mudh n`f"V gks rks deZpkjh vkSj ekfyd ds lacaèk vPNs
ugha jgsaxsA
5- blh izdkj ls 2] 7] 8 Hkkoksa esa v’kqHk xzg gksus ij laca/k vPNs ugha jgsaxsA
ukSdjh] O;kikj ;k eqdnesa esa ykHk ds fy, yXu&yXus’k] n’ke Hkko&n’kes’k] ,dkn’k&,dkn’ks’k] panz
vkSj c`gLifr dk fopkj djuk pkfg,A
ykHkdkjh O;fDr ds ckjs esa ;k mldh fn’kk tkuus ds fy, dsanz esa fLFkj cyh xzg dk fopkj djsaA vxj
dsanz esa xzg u gks rks ykHk ds fy, yXu dh fn’kk ls QydFku djsaA
D;k rcknyk gksxk \
LFkkukarj.k ds fy, n'ke Hkko] n'kes'k dh jkf'k] n'ke Hkko esa fLFkr xzg vkSj n'kes'k ls ;qfr cukus
okys xzg dk fopkj djsaA vxj jkf'k gzLo ¼es"k] o`"k] dqaHk] ehu½ gS rks rcknyk 'kh?kz gksxkA
jkf'k e/;e ¼feFkqu] ddZ] /kuq] edj½ gksus ij rcknyk dqN le; ckn gksrk gSA jkf'k nh?kZ ¼flag]
dU;k] rqyk] o`f'pd½ gks rks rcknyk ugha gksxkA dqN T;ksfrfoZn ehu dks e/;e jkf'k ekurs gSaA
1- n'kes'k fucZy ¼uhpLFk] vLr] 'k=q{ks=h vkfn½ gks vkSj fucZy panz ls bRFklky gks rks rcknyk
gksxkA
2- c`gLifr uhpLFk] vLr vkfn gks vkSj dsanz esa fLFkr ugha gks rks rcknyk gksrk gSA
3- c`gLifr vkSj panz esa bRFklky ;k laca/k ugha gks vkSj n'ke Hkko] n'kes'k fucZy ;k nwf"kr gksa rks
rcknyk gksrk gSA
4- yXus'k dh uhp jkf'k dk Lokeh panz ;k yXus'k ls bRFklky esa gks rks rcknyk gks tkrk gSA
5- n'kes'k prqFkZ Hkko esa gksdj yXus'k ls ;qr gks vkSj panz ls bRFklky esa gks rks rcknyk gksrk gSA
6- n'kes'k dh uhp jkf'k dk Lokeh n'kes'k ds lkFk bRFklky esa gks rks rcknyk gksrk gSA

66 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
lsod ;k okgu ;k vU; oLrq dh izkfIr
Û yXu&yXus'k [kjhnkj] ekfyd gSa tcfd lIre&lIres'k foØsrk@lsod@deZpkjh gSaA
Û yXu&yXus'k vkSj lIre&lIres'k esa 'kqHk laca/k gksa rks ifj.kke mÙke vkSj ykHkdkjh gksaxsA
Û yXu&yXus'k] lIre&lIres'k cyh gksa rks tkrd dks okgu ;k ukSdj@deZpkjh vo'; izkIr gksrk
gSA NBk Hkko vkSj "k"Bs'k Hkh deZpkjh ds |ksrd gSaA laca/k dh tkap vk:<+ yXu vkSj lIre ikn
yXu }kjk djuk Hkh ykHkdkjh gksrk gS] mudh 6@8 esa fLFkfr lokZf/kd gkfudkjd gSA
Future Point

1- "k"Bs'k dk yXus'k vkSj panz ls 'kqHk lac/a k ;k bRFklky gks] "k"Bs'k yXu esa fLFkr gks rks lsod miyCèk
gksrk gSA
2- "k"Bs'k vkSj yXus'k yXu esa fLFkr gksa vkSj 'kqHk xzg dh n`f"V gks rks lsod @ deZpkjh vo'; izkIr
gksrk gSA
3- yXus'k ;k panz NBs Hkko esa fLFkr gks vkSj "k"Bs'k ls bRFklky gks rks deZpkjh miyC/k gksrk gSA
4- panz dk lw;Z ;k oØh ;k v'kqHk xzg ls bRFklky gks vkSj 'kqHk xzg fLFkj jkf'k;ksa esa fLFkr gksa rks
lsod ugha feyrk gSA
fcØh&[kjhn] 'ks;j ckt+kj esa ykHk&gkfu
yXu vkSj yXus'k [kjhnkj gSa] ,dkn'k vkSj ,dkn'ks'k foØsrk gSa] f}rh;&f}rh;s'k Hkh foØsrk gSa] "k"V
vkSj "k"Vs'k vU; i{k dks gkfu gSaA
yXu vkSj yXus'k cyh gksa rks iz'udrkZ dks [kjhnkjh djus ij ykHk gksxkA
,dkn'k&,dkn'ks'k] yXu vkSj yXus'k dh vis{kk vf/kd cyh gksa ;k f}rh; vkSj f}rh;s'k] yXu&yXus'k
dh vis{kk vf/kd cyh gksa rks fcØh djus ls ykHk gksrk gSA
fcØh ds ekeys esa tc foØsrk iz'u iwNs rks yXu&yXus'k foØsrk gksrs gSaA ysfdu 'ks;j cktkj esa ;g
tkuus ds fy, fd 'ks;jksa dks [kjhnus ls ykHk gksxk fd fcØh ls] rc yXu&yXus'k [kjhnkj vkSj
,dkn'k&,dkn'ks'k ;k f}rh;&f}rh;s'k foØsrk gksrs gSaA
'ks;j cktkj esa dksbZ Hkh O;fDr 'ks;jksa dh [kjhn@fcØh Lo;a ugha dj ldrkA ;g dke nyky ds
ek/;e ls gksrk gSA lIres'k nyky gksrk gSA vr%
1 yXus'k vkSj lIres'k dk 'kqHk Hkko esa 'kqHk n`f"V lfgr bRFklky gksuk pkfg,A
2- yXus'k vkSj lIres'k yXu ;k lIre esa fLFkr gksaA
3- yXus'k vkSj lIres'k ij 'kqHk n`f"V gksA
4- yXus'k lIre esa vkSj lIres'k yXu esa fLFkr gksaA

iz'u T;ksfr"k 67

www.futurepointindia.com www.leogold.com www.leopalm.com


5- yXus'k dh lIre ij vkSj lIres'k dh yXu ij n`f"V gksA
yXus'k vkSj lIres'k esa 'kqHk laca/k gks rks tkrd dks nyky ds ek/;e ls dke djuk pkfg,A ml le;
,dkn'k&,dkn'ks'k fcØh ds vkSj yXu&yXus'k [kjhn ds ladsrd gSaA
lk>snkjh esa [kjhn@fcØh ds fy, prqFkZ&prqFksZ'k dk ijh{k.k djsaA yXu&yXus'k vkSj prqFkZ&prqFksZ'k
ds e/; lacaèk gks rks lk>snkjh esa dke djuk ykHkizn gSA
yXus'k vkSj prqFksZ'k esa 'kqHk laca/k gks rks 'ks;j cspuk ykHkizn gksrk gSA prqFksZ'k vkSj lIres'k esa 'kqHk
Future Point

laca/k gksus ij 'ks;j [kjhnuk mfpr gSA


yXus'k lIre esa gks rks [kjhnkj lkeku ekaxrk gSA lIres'k yXu esa gks rks foØsrk lkeku ds fy,
fuosnu djrk gSA ykHk ds fy, yXu&yXus'k] ,dkn'k&,dkn'ks'k vkSj panz ij /;ku nsaA O;kikj esa
ykHk ds fy, yXu&yXus'k] n'ke&n'kes'k] ,dkn'k&,dkn'ks'k vkSj panz dk foospu djsAa f}rh;&f}rh;s'k
dk foospu Hkh ,dkn'k&,dkn'ks'k ds lkFk t:jh gSA
yXu vkSj yXus'k cyh gksa rks [kjhnkjh ls iz'udrkZ dks vo'; ykHk gksxkA
,dkn'k vkSj ,dkn'ks'k ;k }kn'k vkSj }kn'ks'k cyh gksa rks lkeku cspus ls vo'; ykHk gksxkA tehu
tk;nkn [kjhnus ds fy, dkjd eaxy nwf"kr ugha gksuk pkfg,A
okgu ds fy, 'kqØ nwf"kr ugha gksuk pkfg,A O;kikj ds fy, cq/k nwf"kr ugha gksuk pkfg,A dkj[kkus
ds fy, 'kfu nwf"kr ugha gksuk pkfg,A rjy inkFkZ vkSj jlk;u ds fy, panz nwf"kr u gksA 'ks;jksa dh
[kjhn&csp vkSj lêsckth ds fy, c`gLifr nwf"kr ugha gksuk pkfg,A
la{ksi esa] ykHk&gkfu ds fy, 2] 6] 11 Hkko vkSj muds Lokfe;ksa dk foospu djsaA bu Hkkoksa ls yXu
vkSj yXus'k dk laca/k gks rks ykHk gksrk gSA iz'u mBrk gS] ßNBk Hkko vkSj "k"Vs'k D;ks\Þ NBk Hkko vkSj
"k"Vs'k tkrd ls O;kikj djus okys ny dh gkfu ds |ksrd gSaA mudh gkfu tkrd dk ykHk gSA
yXu vkSj yXus'k dk 5] 8] 12 Hkko ;k muds Lokfe;ksa ls lac/a k gks rks tkrd dks ykHk ugha gksxk D;ksfa d
lIre Hkko nwljk ny gS ftlls O;kikj gks jgk gSA iape Hkko ¼lIre ls ,dkn'k½ nwljs ny dk ykHk
gSA v"Ve Hkko lIre ls }kn'k gS] }kn'k Hkko yXu dh gkfu gSA
cktkj rsth esa tk,xk ;k eanh esa \
1- ;fn 'kqHk xzg Lojkf'k ;k fe= {ks= esa fLFkr gks rks ml Hkko }kjk funsZf'kr oLrqvksa ds Hkko mrus
fnuksa ds fy, fxj tk,axs ftrus fnu og 'kqHk xzg ml Hkko esa fLFkr jgsxkA tc dksbZ v'kqHk xzg
mPp dk] Lo{ks=h ;k fe= jkf'k esa gks rks ml Hkko }kjk bafxr oLrqvksa ds Hkko mrus fnuksa ds fy,
p<+ tkrs gSa] ftrus fnu og xzg ml Hkko esa jgsxkA
2- panz 'kqHk xzgksa ds lkFk ;k Lojkf'k] fe=jkf'k esa gks ;k iwf.kZek@vekoL;k dk panz gks rks cktkj
eanh dh vksj tk,xkA panz nwf"kr gks rks cktkj rsth dh vksj c<+rk gSA

68 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
3- lw;Z dh Lojkf'k ls vU; jkf'k esa laØkafr ds le; yXu vkSj yXus'k cyh gksa vkSj 'kqHk xzg
dsanz@f=dks.k esa fLFkr gksa rks ckt+kj esa eanh vkrh gSA
4- iz'u dqaMyh ds yXu@yXus'k cyh gksa vkSj 'kqHk xzg dsanz@f=dks.k esa fLFkr gksa rks cktkj eanh dh
vksj tkrk gSA yXu@yXus'k fucZy vkSj v'kqHk xzg dsanz@f=dks.k esa cSBs gksa rks cktkj esa rsth
vkrh gSA
D;k O;kikj esa lk>snkj j[k ywa \
Future Point

O;kikj esa Hkkxhnkj j[kuk mfpr jgsxk ;fn]


v- yXu vkSj lIre Hkko esa 'kqHk laca/k gksaA
vk- v"Ves'k ¼lk>snkj dh vk;@/ku½ dk ,dkn'ks'k ¼tkrd dh vk;½ vkSj "k"Vs'k ¼lk>snkj dk O;;½
ls 'kqHk lacaèk gksA
lk>snkj dh vk; ¼v"Ve Hkko½ dk laca/k }kn'k Hkko ¼tkrd dh gkfu½ vkSj iape Hkko ¼lk>snkj dks
ykHk½ ls gks rks dHkh Hkh lk>snkj u j[ksaA
fuEu dqaMyh esa jkgq yXu esa fLFkj gksdj c`gLifr ls n`"V gSA yXus'k panz eaxy ls ;qr gksdj lw;Z vkSj
'kfu ¼lIres'k ,oa v"Ves'k½ ls n`"V gSA ,dkn'ks'k 'kqØ Lojkf'k esa ,dkn'k esa fLFkr gSA lk>snkj dh
gkfu c`gLifr] tkrd dh gkfu cq/k ds lkFk bRFklky esa gSA

01-05-1999 dks 10%55] fnYyh


cq/k 'k- 16&34 'kqØ 5 3
23&31 lw- 13&28 27&45 yXu
xq- 24&24 6 2
yXu jkgq
3&13 7 1 'kqØ
4
jk- 24&28 'kfu
dqaMyh 33 eaxy
dsrq 10
21&28 8 panz dsrq lw;Z 12
xq#
panz 9 11 cq/k
23&11
eax- 7&5

lk>snkj dh vk; iapes'k eaxy yXus'k panz ds lkFk prqFkZ esa fLFkr gSA vr% lk>snkj dks tkrd ls
ykHk gSA tkrd dk uxn /ku lk>snkj ds /ku ls ;qfr esa gSA 'kfu n'ke esa b'kjkQ ;ksx esa gSA yXus'k
panz vkSj lIres'k 'kfu lelIrd esa gSa] ysfdu b'kjkQ Hkh gSA vr% nksuksa esa lk>snkjh gqbZ] exj dqN
eghuksa ckn VwV x;hA

iz'u T;ksfr"k 69

www.futurepointindia.com www.leogold.com www.leopalm.com


D;k cSad ls vksojMªk¶V lqfo/kk miyC/k gks ldsxh \
NBs Hkko ls dt+Z] m/kkj] vksojMªk¶V vkfn dk Kku gksrk gSA "k"Vs'k vkSj NBs Hkko esa fLFkr xzgksa dh
foospuk djsaA cSad ls vksojMªk¶V lqfo/kk feyus ls vkfFkZd fLFkfr lq/kj tkrh gS] vr% f}rh; Hkko vkSj
f}rh;s'k ij /;ku nsaA n'ke Hkko O;olk;] /ka/ks dk |ksrd gSA 6] 2] 10 ds Lokfe;ksa esa laca/k gks rks
tkrd dks cSad ls vksojMªk¶V lqfoèkk miyC/k gks tkrh gSA
dt+Z ysus ds iz'u ds fy, "k"Vs'k vkSj f}rh;s'k dk v/;;u djsaA "k"Vs'k ;fn oØh gks] ;k ml jkf'k
Future Point

esa fLFkr gks ftldk Lokeh iz'udqaMyh esa ;k uoeka'k esa oØh@vLr@uhpLFk gks rks dtZ+ izkIr ugha
gks ikrk gSA
"k"Vs'k lw;Z gks rks ljdkj ls dtZ+ izkIr gksrk gS] "k"Vs'k panz gks rks dtZ 'kh?kz feysxk] eaxy gks rks ruko
c<+sxk] cq/k gks rks fy[kk i<+h gksxh] flQkfj'k ls ykHk gksxk vkSj dtZ fd'rksa esa izkIr gksxkA "k"Vs'k
c`gLifr gksus ij dtZ llEeku] U;k; lEer ek/;e ls izkIr gksxk] 'kqØ gksus ij dt+Z eS=hiw.kZ <+ax
ls feysxkA 'kfu dh n`f"V NBs Hkko ij gksus ij dqy jkf'k dk dqN va'k gh izkIr gks ikrk gSA

04 flracj 1993 dks 10%30] fnYyh


panz dsrq 8 6
21&51 13&07 eaxy 5
9 jkgq yXu xq#
cq/k
'kqØ 7 lw;Z
'kfu¼o½ 4
15&13 10
02&03
dqaMyh 34 'kqØ
cq/k
23&22 3
lw- 17&54 11
'kfu¼o½ 1
yXu eaxy 12 2
jkgq 15&56 21&3
13&7 xq#-220 panz dsrq

mijksDr dqaMyh ns[ksaA vksojMªk¶V lqfo/kk dk vFkZ gS cSad ls O;kikj ds fy, dtZ+ ysuk] vr% 6] 2] 10
Hkko vkSj muds Lokfe;ksa dk v/;;u djsaA "k"Vs'k c`gLifr }kn'k Hkko esa 2] 7 ds Lokeh eaxy ds lkFk
fLFkr gS rFkk eaxy ls bRFklky Hkh gSA
n'kes'k panz NBs Hkko esa fLFkr gSA n'ke esa v"Ves'k 'kqØ fLFkr gSA f}rh; Hkko esa fLFkr jkgq ij oØh
'kfu dh n`f"V gSA tkrd dks vksojMªk¶V lqfo/kk feyh exj Hkkjh gkfu mBkuh iM+hA

70 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
D;k dt+Z pqdk ikÅaxk \
/ku ds fuos'k ;k O;; vFkok dtZ+ pqdkus ds fy, }kn'ks'k] }kn'k esa fLFkr xzg] }kn'ks'k ftl jkf'k
esa gks mlds Lokeh] }kn'ks'k dh uoeka'k esa jkf'k ds vf/kifr vkSj }kn'ks'k ds u{k=s'k dk foospu djsaA

21 tuojh 1999 dks 10%58] fnYyh


yXu 'kfu 1 11
Future Point

19&34 3&24 panz 10


xq- 1&30 2 'kfu yXu
dsrq
jkgq xq# 'kqØ
panz 9 lw;Z
28&21 3 12
20&44
dqaMyh 35 cq/k
'kq 26&52
ds- 28&21 ¼vLr½ 8
lw- 06&53 4
jkgq 6
cqèk ¼vLr½ eaxy 5 7
27&48 3&57
eaxy

yXus'k c`gLifr Lojkf'k esa gS] uoeka'k esa mPp dk gS vkSj Lo;a ds u{k= esa fLFkr gS] vr% cgqr cyh
gSA }kn'ks'k 'kfu f}rh; Hkko esa eaxy dh jkf'k] 'kqØ ds uoeka'k vkSj dsrq ds u{k= esa fLFkr gSA ;s
nksuksa xzg ykHk Hkko ,dkn'k esa fLFkr gSa] vr% tkrd dt+Z dk Hkqxrku djus esa lQy jgsxkA 'kfu
dh Hkwfedk ds dkj.k dtZ+ dk Hkqxrku fd'rksa esa gksxkA
'kfu ij jk'kh'k eaxy dh n`f"V gS] vr% uhp Hkax gSA es"k esa mPp gksus okyk lw;Z vkSj es"k dk Lokeh
eaxy ,d nwljs ls dsanz esa gSa] vr% uhpHkax ;ksx gSA
D;k dtZ+ ij fn;k /ku olwy gks ldsxk \
pkgs dt+Z ysuk gks ;k nwljksa dks fn;s /ku dks okil ysuk gks] nksuksa dk fopkj NBs Hkko ls fd;k tkrk
gSA
/ku dh olwyh dk vFkZ cSad esa tek dh c<+ksÙkjh] udn /ku vkSj bPNkvksa dh iwfrZ gSA vr% 2 vkSj 11
Hkkoksa dh Hkwfedk izeq[k gSA
'kfu izeq[k gks rks olwyh esa nsj gksrh gS vkSj ck/kk,a vkrh gSa] cq/k gks rks /ku fy[kk i<+h] uksfVl vkfn
ds ckn fd'rksa esa olwy gksrk gSA c`gLifr 'kqHk gks rks /ku vklkuh ls vnkyr }kjk ;k oSèk izfØ;k
ls izkIr gks tkrk gSA c`gLifr ij 'kfu dh n`f"V gks rks jde vkaf'kd :i ls gh fd'rksa esa izkIr gksrh
gSA

iz'u T;ksfr"k 71

www.futurepointindia.com www.leogold.com www.leopalm.com


eaxy izeq[k gks rks Mjkus /kedkus ls :i;k olwy gksrk gSA panz gksus ij iSlk 'kh?kzrk ls izkIr gksrk
gS] 'kqØ gksus ij le>kSrk gksrk gSA lw;Z gksus ij iqfyl dh lgk;rk ls ;k dkuwuh dk;Zokgh ls èku
izkIr gksrk gSA

20 vDrwcj 1993 dks 17%30] fnYyh


Future Point

yXu dsrq 1
28&59 9&49 11
2 yXu 10
jkgq dsrq 12 'kfu¼o½+
28&21
9
dqaMyh 36 3
'kfu ¼o½ panz
29&55 6 8
4 'kqØ jkgq
panz xq¼v½1&44
jkgq ea- 22&17 'kqØ 7
10&53 'k- 3&20 11&48 5 ea- lw- cq-
09&49 cq/k 270 c`- ¼vLr½

tkrd us vius fe= dks /ku fn;k Fkk] ftls og okil ikuk pkgrk gSA yXu ij oØh 'kfu dh n`f"V
gSA yXu esa f}LoHkko] pj] i`"Bksn; jkf'k gSA yXus'k c`gLifr xgu vLr gS vkSj ,dkn'k esa fLFkr oØh
'kfu ls n`"V gSA f}rh;s'k eaxy v"Ve esa fLFkr gksdj yXus'k ls b'kjkQ ;ksx esa gS vkSj ,dkn'ks'k
oØh 'kfu dks ns[k jgk gSA panz ls ns[kus ij 2 vkSj 11 Hkko nwf"kr gSaA yXu vkSj panz ls "k"Vs'k nwf"kr
gSA vr% m/kkj ysus okys dks vikj /ku dh gkfu gqbZ vkSj tkrd viuk /ku izkIr djus esa lQy ugha
gqvkA
D;k lk>snkjh pysxh ;k VwV tk,xh \
lk>snkjh dk fopkj lIre Hkko ls fd;k tkrk gSA lk>snkjh rc rd pyrh gS tc rd nksuksa lk>snkjksa
dks ,d nwljs ls ykHk gksrk gSA lIres'k dk laca/k ,dkn'k ¼yXu dks ykHk½ vkSj iape ¼lIre dks ykHk½
ls gks rks lk>snkjh cuh jgsxhA
lIres'k dk laca/k NBs Hkko ¼lk>snkj dks gkfu½ vkSj }kn'k ¼yXu dks gkfu½ ls gks rks lk>snkjh VwV
tk,xhA

72 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
19-2-1969 dks 7%30] fnYyh
'kq-21&21 'kq- pa- cq/k
pa- 7&48 'k- jk yXu 10
'k- 28&19 1 12
jkgq 7&2 9
lw;Z
yXu
16&54 11
lw- 6&50 8
dqaMyh 37 2
cq/k eaxy
10&35 5 7
Future Point

3
dsrq 7&2 6
eaxy xq#¼o½ dsrq
03&43 4 xq#¼o½
11&17

lIres'k lw;Z yXu esa fLFkr gksdj yXus'k 'kfu ls bRFklky esa gSA
uoeka'k esa lw;Z ,dkn'k esa fLFkr gSA yXu oxksZÙke gSA iapes'k cq/k ,dkn'ks'k c`gLifr ds lkFk uoeka'k
esa fLFkr gSA vr% lIres'k dk laca/k 5]11 Hkkoksa ls gSA lIres'k jkgq ds u{k= esa fLFkr gSA jkgq 'kfu
ds u{k= esa fLFkr gSA vr% yXus'k vkSj lIres'k dk laca/k 5] 11 Hkkoksa ls gSA lk>snkjh VwVsxh ughaA
;|fi dqN xyrQgeh jkgq ds dkj.k mRiUu gksxh] exj lekIr gks tk,xhA

uoeka'k 9-2-1969 dks 7%30] fnYyh


cq/k¼o½ lw;Z
12 jk- yXu 10
1 9
'kfu 'kqØ
yXu3&51
'k-27&26 11
'kq-13&00 8
dqaMyh 38 2
cq/k¼o½
6&56 5 7
lw;Z26&43
3 eaxy
ea- 28&50
dsrq 7&32 6 panz
pa- 14&55 xq#¼o½ 4 dsrq
xq#¼o½
12&02

lIres'k lw;Z nq%LFkku 12 esa v"Ves'k cq/k ds lkFk gSA ;|fi lIres'k vkSj yXus'k 'kfu esa bRFklky
gS] fQj Hkh lk>snkjh VwV tk,xhA lIres'k lw;Z vkSj v"Ves'k cq/k ij eaxy dh n`f"V gSA 2] 11 dk
Lokeh c`gLifr v"Ve esa dsrq ds lkFk fLFkr gS vkSj iapes'k cq/k }kn'k esa gSA uoka'k esa fLFkfr lq/kj
ugha jgh gSA

iz'u T;ksfr"k 73

www.futurepointindia.com www.leogold.com www.leopalm.com


ukSdjh dc feysxh \
O;olk; ds fy, n'ke Hkko] tek /ku ds fy, f}rh;] ekfyd dks gkfu ds fy, "k"V Hkko dks ns[kuk
pkfg,A
27-7-1969 dks 17%30] fnYyh
'kfu 'kqØ eaxy
28&59 10 yXu 8
14&59
Future Point

11 7
jk- panz
jkgq lw;Z10&50
28&43 cq/k¼vLr½ 9
16&20 6
dqaMyh 39 12
dsrq xq#
10&43 3 5
1 dsrq
panz 'kfu 4
17&48 eaxy xq# 2 lw;Z
yXu14&31 10&43 8&20 'kqØ cq/k¼vLr½

mijksDr dqaMyh dks ns[ksaA n'ke vkSj n'kes'k ij O;olk; ;k ukSdjh ds fy, /;ku nsaA n'ke esa
c`gLifr fLFkr gSA n'kes'k cq/k v"Ve esa vLr gksdj f}rh;s'k 'kfu ds u{k= vkSj eaxy ds uoeka'k
esa gSA 'kfu eaxy dh jkf'k esa] 'kfu ds u{k= esa vkSj lw;Z ds uoeka'k esa fLFkr gSA "k"Vs'k 'kqØ Lojkf'k
esa] eaxy ds u{k= esa vkSj cq/k ds uoeka'k esa ekStwn gSA yXus'k c`gLifr n'ke Hkko esa fLFkr gksdj
cq/k dh jkf'k esa] lw;Z ds u{k= esa vkSj 'k=q ds uoeka'k esa gSA yXus'k n'ke esa gS vkSj n'kes'k v"Ve
esa vLr gksdj }kn'ks'k eaxy ls lacaf/kr gS] vr% ukSdjh ugha feysxhA vLr ;k oØh xzg 'kqHk ifj.kke
ugha nsrk gSA
inksUufr dc gksxh \
10-7-1969 dks 11%00] fnYyh
jkgq 'kfu 'kqØ cq/k¼vLr½ 5
10&5 10&55 7 yXu
00&16 14&01
8
pa- 6&34 lw-24&21 4
eaxy xq# dsrq
6 3
dqaMyh 40 9 cq/k¼vLr½
lw;Z 2
10
12
jkgq 'kqØ
yXu4&32 1 panz
eaxy xq- 5&52 11
8&18 ds- 0&16 'kfu

74 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
izksUufr ds fy, 10] 2] 6 vkSj 11 Hkkoksa dk fopkj djsaA tc izksUufr gksrh gS rks fdlh dks gkfu gksrh
gS] vr% NBs Hkko dks Hkh ns[kk tkrk gSA
mijksDr dqaMyh esa n'kes'k vkSj yXus'k cq/k vLr gS vkSj 12 osa Hkko esa dsrq ds uoeka'k esa cSBk gS] vr%
izksUufr ugha gksxhA
Future Point

D;k O;kikj Qys Qwysxk \

21-9-1968 dks 12%30] fnYyh


jkgq 'kfu¼o½ 7
9 yXu cq/k 6
16&12 00&29
10 'kqØ
8 dsrq
5 lw;Z
xq#¼vLr½
dqaMyh 41 xq#¼vLr½ 11 eaxy
25&37 panz 4
pa- 19&34 12
2
ea- 6&17
jkgq
yXu cq/k¼v½ yXu29&57 1 3
26&27 0&12 dslw-- 16&12
5&56 'kfu¼o½

,dkn'k Hkko laiUurk dk izrhd gS vkSj n'ke O;kikj] dk;Z {ks=] uke] izflf) vkfn dk |ksrd gSA
"k"V Hkko /ku dh izkfIr vkSj }kn'k fuos'k vkSj [kjhnkjh n'kkZrs gSaA
/kuk<+~; gksus ds fy, n'kes'k dk ,dkn'k Hkko ls laca/k gksuk pkfg,A NBk Hkko cyh gks ftlls /ku
izkfIr vf/kd gks vkSj }kn'k Hkko ij 'kqHk izHkko gks rkfd ykHkizn fuos'k gks ldsA n'kes'k lw;Z ,dkn'k
esa cq/k dh jkf'k esa] lw;Z ds u{k= esa vkSj 'kfu ds uoeka'k esa fLFkr gSA ,dkn'ks'k cq/k }kn'k Hkko esa
'kqØ dh jkf'k esa] eaxy ds u{k= esa] 'kqØ ds uoeka'k esa fLFkr gSA NBs Hkko esa oØh 'kfu fLFkr gSA "k"Vs'k
eaxy 'kqØ ds uoeka'k esa gksdj n'ke Hkko esa panz vkSj c`gLifr ds lkFk fLFkr gSA }kn'ks'k 'kqØ ,dkn'k
esa vFkkZr Hkko ls }kn'k esa gS ftldk vFkZ gS de [kjhnkjhA tkrd /kuk<+~; cu x;kA
D;k esjh vkfFkZd fLFkfr lq/kjsxh \
bldk vFkZ gS fd vxj fcØh c<+s rks vkfFkZd gkyr lq/kjsxhA prqFkZ Hkko vkf/kiR; vkSj mRiknu n'kkZrk
gS tcfd r`rh; Hkko rS;kj eky dh fcØh dk |ksrd gSA f}rh; Hkko tek /ku esa c<+ksÙkjh dk ladsrd
gSA vr% 2] 3] 11] 12 Hkko dkjd gSaA r`rh;s'k dk laca/k 2 vkSj 11 Hkko ls gks rks ykHk gksxkA r`rh;s'k

iz'u T;ksfr"k 75

www.futurepointindia.com www.leogold.com www.leopalm.com


dk laca/k 11 vkSj 12 nksuksa Hkkoksa ls gks rks fcØh ls u ykHk gksxk] u gkfuA r`rh;s'k cq/k f}LoHkko jkf'k
esa fLFkr gks rks Hkkjh fcØh ls [kwc ykHk gksrk gSA dkjd xzg c`gLifr vkSj cq/k gSaA

23-1-1999 dks 2%31] fnYyh


xq-1&57 'kfu 4
6 yXu jkgq
panz 4&00
Future Point

23&32 7 3
eaxy 5
jkgq
28&24
2
cq¼v½1&36 dqaMyh 42 8
'kq- 29&49 yXu
ds- 28&24 5&27 11 1
lw;Z 9&17 9
'kfu
eaxy 10 12
4&57 'kq- lw- xq# panz
cq/k¼v½] ds-

r`rh; Hkko esa ;ksxdkjd eaxy fLFkr gksdj 6] 7 ds Lokeh 'kfu ls n`"V gSA r`rh;s'k 'kqØ NBs Hkko
esa cq/k] lw;Z vkSj dsrq ds lkFk fLFkr gSA yXus'k lw;Z vius gh u{k= esa 'kfu ds uoeka'k esa fLFkr gSA
}kn'ks'k panz v"Ve Hkko esa /ku ds dkjd c`gLifr ds lkFk c`gLifr dh jkf'k vkSj 'kfu ds uoeka'k esa
fLFkr gSA ifj.kke % u ykHk] u mUufrA
D;k bl iqLrd dks fy[kus esa lQyrk feysxh \

24-1-1999 dks 11%32] fnYyh


xq- yXu 5&13 12
2 1 xq#
2&4 'kfu 3&32
3
panz 2&44 yXu 11
panz
'kqØ
00&38
jkgq
28&24 'kfu 10 Ø 'kq
4 cq/k ¼v½
dqaMyh 43 jkgq dsrq
ds- 28&24
lw- 9&57
7 lw;Z 9
cq-¼v½2&40 5
eaxy
eaxy 8
5&14 6

76 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
iqLrd ys[ku dk ladsr r`rh; Hkko ls izkIr gksrk gSA ys[ku ds dkjd c`gLifr vkSj cq/k gSaA ,dkn'k
Hkko ls iqLrd ys[ku ds ;ksX; mPp Kku dk irk pyrk gSA vr% ,dkn'k Hkko dk laca/k 3 vkSj 9
Hkkoksa vkSj cq/k@c`gLifr ls gks rks iqLrd iw.kZ gksdj yksdfiz; gksxhA
,dkn'k Hkko esa f}rh;s'k 'kqØ fLFkr gSA ,dkn'ks'k 'kfu yXu esa panz ds lkFk fLFkr gS vkSj 1] 8 ds
Lokeh eaxy ls n`"V gSA uoeka'k 'kqØ dk vkSj u{k= dsrq dk gSA r`rh;s'k cq/k iapes'k lw;Z ds lkFk
n'ke esa vLr gS vkSj ,dkn'ks'k 'kfu ls n`"V gSA u{k= lw;Z dk vkSj uoeka'k 'kfu dk gSA uoes'k
Future Point

c`gLifr }kn'k esa Lojkf'k] Lou{k= vkSj panz ds uoeka'k esa mPp dk gSA vr% ,dkn'k Hkko dk lacaèk
3] 9 Hkko vkSj cqèk] c`gLifr ls gS] vr% iqLrd ys[ku esa lQyrk feyhA
,dkn'ks'k] yXus'k vkSj panz ds e/; fufeZr dacy
w ;ksx dk;Z esa lQyrk dk |ksrd gSA 'kfu vkSj eaxy
dh Hkwfedk nsjh vkSj fookn ds ckotwn lQyrk n'kkZrh gSA
vodk'k] rhFkZ;k=k vkSj i;ZVu vkfn dk Kku 3] 9] 12 Hkkoksa ls gksrk gSA

iz'u T;ksfr"k 77

www.futurepointindia.com www.leogold.com www.leopalm.com


vè;k;&17

jktuhfr
n'ke Hkko iz'kklu dk vf/kdkj nsrk gSA yXu vkSj yXus'k izkIrdrkZ gSaA prqFkZ Hkko turk gS] uoe
Future Point

HkkX;A 2 vkSj 11 Hkko pquko yM+us ds fy, /ku tqVkrs gSaA r`rh; Hkko pquko yM+us dh fgEer nsrk
gS] NBk Hkko nwljksa dh gkfu gSA ;s Hkko cyh gksus pkfg,aA
jktuhfr esa lÙkk izkfIr
1- yXus'k vkSj panz n'ke esa bRFklky esa gksdj 'kqHk xzg ls n`"V gksa rks lÙkk izkIr gksrh gSA
2- yXus'k n'ke esa vkSj n'kes'k yXu esa fLFkr gks vkSj nwf"kr izHkko u gksA
3- yXus'k dk n'ke Hkko esa 'kqHk xzg ls bRFklky gksA
4- yXus'k Lojkf'k esa gks vkSj eaxy n'ke esa mPp dk gksA
5- yXus'k vkSj n'kes'k dk Lojkf'k esa fLFkr panz ls bRFklky gksA
6- c`gLifr] 'kqØ vkSj cq/k n'ke Hkko esa ehu jkf'k esa fLFkr gksaA
7- yXus'k yXu esa fLFkr gks ;k yXu esa mPp dk gksdj 'kqHk xzg ls n`"V gks vkSj n'kes'k cyh gksA
8- eaxy n'ke esa mPp dk gksdj yXu ;k yXus'k ij n`f"V MkysA
9- yXus'k vkSj n'kes'k yXu esa fLFkr gksa vkSj 'kqHk xzg 5] 9] 11 Hkkoksa esa gksaA
10- yXus'k] panz vkSj n'kes'k 'kqHk Hkkoksa esa fLFkr gksdj 'kqHk xzg ls ;qDr@n`"V gksaA
11- panzek cyh gksdj dsanz esa fLFkr gks vkSj n'ke Hkko ds 'kqHk xzgksa ls ;qr@n`"V gksA
12- c`gLifr dsanz esa cyh gks vkSj panz&cq/k&'kqØ dh 'kqHk Hkkoksa esa ;qfr gksA
13- cyh c`gLifr dh dsanz esa yXus'k ls ;qfr gks vkSj panz Hkh cyh gksA
14- c`gLifr dsanz ;k f=dks.k esa mPp dk gks] panz 'kqHk xzgksa ls ;qr@n`"V gksdj i{kcyh gksA
15- yXus'k 3 ;k 9 Hkko esa fLFkr gks vkSj r`rh;s'k dk n'kes'k ls bRFklky gks rks tkrd lÙkk izkIr
djrk gS ;k vf/kdkjksa dh c<+r gksrh gSA
16- yXus'k dk r`rh;s'k ;k uoes'k ls bRFklky gks rks tkrd [kks;h lÙkk izkIr djrk gSA
17- lÙkk izkIr gksxh] vxj %

78 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
v- n'kes'k cyh gks vkSj 'kqHk xzg ls n`"V gksA
vk- n'kes'k dk iw.kZ panz ls bRFklky gksA
b- c`gLifr dsanz esa Lojkf'k ;k mPp dk gksA
bZ- c`gLifr dk n'kes'k ls bRFklky gksA
dqN fo}kuksa ds erkuqlkj iape Hkko jktnwr] jktuhfrK vkfn dk ladsrd gSA iape dk laca/k 2 vkSj
Future Point

11 Hkko ls gks rks tkrd jktuhfrK curk gSA


ikBd ns[ksaxs fd mijksDr ;ksxksa esa lw;Z dks iw.kZ egRo ugha fn;k x;k gS tcfd c`gLifr dks ojh;rk
nh x;h gSA exj vuqHko crkrk gS fd lw;Z dk Hkh cyh gksdj n'ke] n'kes'k ls laca/k gksuk pkfg,A
lÙkk dk âkl
1- yXus'k ftl Hkko esa fLFkr gks] mldh jkf'k dk Lokeh v'kqHk jkf'k ;k Hkko esa fLFkr gks ;k ml
ij v'kqHk xzg dh n`f"V gksA
3- f}rh;s'k vkSj ,dkn'ks'k nwf"kr gksaA
4- yXus'k v'kqHk jkf'k ;k Hkko esa fLFkr gksA
5- panzek dsanz esa fLFkr gksdj nwf"kr gksA
6- c`gLifr] yXus'k vkSj panz 'k=q{ks=h gksa ;k v'kqHk xzgksa }kjk nwf"kr gksaA
7- yXus'k vkSj 'kqØ vLr gksdj ikidrZjh ;ksx esa gksaA
8- lÙkk izkfIr ds ckn dkjkokl gksxk] ;fn
v- yXus'k fucZy gksdj 6 ;k 12 Hkko esa fLFkr gksA
vk- yXus'k dk n'kes'k vkSj v"Ves'k ls bRFklky gksA
b- dsanz vkSj v"Ve Hkko esa v'kqHk xzg gksaA
9- ;fn f}rh;s'k n'ke Hkko esa fLFkr gks ;k n'kes'k vkSj }kn'ks'k esa laca/k gks vkSj os 'kfu ls prqFkZ
;k lIre Hkko esa fLFkr gksa rks tkrd dks lÙkk izkIr gksrh gS] exj og mls u"V dj nsrk gSA
10- lÙkk dk âkl gksxk ;fn
v- n'kes'k vkSj yXus'k dk prqFkZ Hkko esa fLFkr gksdj panz ls bRFklky gksA
vk- yXus'k dk fdlh uhp xzg vkSj panz ls bRFklky gksA
11- /kheh xfr okyk xzg prqFkZ Hkko esa fLFkr gks ;k oØh gks rks igys lÙkk gkFk ls tk,xhA ckn esa
tc panz ls dacwy gksxk rks lÙkk okil izkIr gksxhA

iz'u T;ksfr"k 79

www.futurepointindia.com www.leogold.com www.leopalm.com


D;k lnu esa fo'okl er izkIr dj ldwaxk \
fo'okl er izkIr gksxk %
1- 'kqHk xzg 1] 7] 10 Hkko esa fLFkr gksaA
2- c`gLifr] 'kqØ ;k cq/k uoe Hkko esa gksA
3- lHkh xzg 3] 4] 5] 6] 7] 8 Hkkoksa esa fLFkr gksaA
Future Point

80 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
vè;k;&18
fofo/k iz'u
dkjkokl
Future Point

jkgq dkjkokl dk dkjd gS vkSj }kn'k bldk Hkko gSA yXu ;k yXus'k] }kn'k ;k }kn'ks'k dk lacaèk
jkgq ls gks rks dkjkokl gksrk gSA
mijksDr ;ksx esa prqFkZ ;k prqFksZ'k dk laca/k gks rks dkjkokl ns'k ds fgrkFkZ gksrk gSA
mijksDr ;ksx esa uoe ;k uoes'k dk laca/k gks rks dkjkokl ns'k ;k fdlh mÙke dk;Z ds fy, gksrk
gSA
1- yXu esa f}LoHkko jkf'k esa jkgq fLFkr gksA
2- panz dsanz esa eaxy ls ;qr ;k n`"V gksA
3- yXus'k fucZy gks ;k vksiksfDye Hkkoksa ¼3] 6] 9] 12½ esa fLFkr gksdj jkgq ;k }kn'ks'k ls ;qr ;k n`"V
gksA
4- panz r`rh; Hkko esa fLFkr gksdj 'kfu ls ;qr@n`"V gks vkSj prqFksZ'k ;k prqFkZ esa fLFkr xzg ls
bRFklky esa gksA
ca/ku ;ksx
1- yXus'k vkSj "k"Vs'k dh dsanz ;k f=d Hkkoksa esa ;qfr gks vkSj jkgq ;k 'kfu ls laca/k gksA
2- jkgq] eaxy ;k 'kfu ls ;qfr esa gks ;k dsanz esa fLFkr gks rks tkrd gR;k djrk gSA
3- "k"Vs'k] ,dkn'ks'k] dsrq ftl jkf'k esa fLFkr gks mldk Lokeh] prqFkZ Hkko] prqFksZ'k vkSj panzek ij
eaxy ;k 'kfu dk izHkko gks rks tkrd gR;k djrk gSA
4- panz vkSj oØh cq/k efLr"d dks gR;k djus ds fy, mdlkrs gSaA vfHk;qDr dks cpkus ds fy, n'ke
Hkko] n'kes'k] yXu] yXus'k ;k panz ij c`gLifr dh n`f"V gksuh pkfg,A
D;k dkjkokl gksxk \
dkjkokl dk vFkZ gS %
v- ifjokj ls fo;ksx ¼f}rh; Hkko] yXu vkSj yXus'k ls }kn'k½
vk- pkjnhokjh esa lhfer jguk ¼}kn'k Hkko½

iz'u T;ksfr"k 81

www.futurepointindia.com www.leogold.com www.leopalm.com


b- Lo;a dk fuokl NwVuk vFkkZr fuokl dh gkfu ¼r`rh; Hkko½
vr% dkjkokl ds fy, 2 vkSj 8 Hkko ¼ifjokj vkSj fo;ksx½] 12 ¼pkjnhokjh ;k iyax esa ifjlhek½]
r`rh; ¼fuokl dh gkfu½ Hkkoksa dk fopkj djuk pkfg,A

19-10-1993 dks 13%30] fnYyh


Future Point

dsrq 9
11 10 8
9&47 12 'kfu¼o½ panz
7 jkgq
1 eaxy cq/k
dqaMyh 44 xq# ¼v½
yXu 7&39
'kfu ¼o½
4 lw;Z 6
29&56 2
'kqØ
jkgq 9&47 cqea/-k 21&28 dsrq
26&16 'kqØ 5
panz 24&57 xq-¼v½1&29 10&21 3
lw;Z 2&11

}kn'ks'k c`gLifr n'ke Hkko vkSj 'kqØ dh jkf'k esa vLr gS vkSj v"Ves'k lw;Z] eaxy vkSj cq/k ls ;qfr
esa gSA yXu esa fLFkr f}rh;s'k 'kfu dh n`f"V gSA c`gLifr eaxy ds u{k= esa fLFkr gS vkSj uoeka'k esa
Hkh v"Ve Hkko esa lw;Z ls ;qr gSA vr% }kn'ks'k vkSj eaxy dk laca/k 2] 3] 8 Hkkoksa ls gSA tkrd dks
dkjkokl gqvk vkSj vHkh Hkh tsy esa gSA jkgq dkjkokl dk dkjd gSA jkgq eaxy dh jkf'k esa] panz ls
;qfr esa] yXus'k 'kfu ds u{k= esa] "k"Vs'k cq/k ds uoeka'k esa gSA
dSnh NwVsxk ;k ugha \
dSnh NwV tk,xk \
1- yXus'k dk 'kqDy i{k ds panz ls bRFklky gks rks dSnh NwV tk,xkA
2- r`rh;s'k ;k uoes'k dk panz ls bRFklky gksA
3- yXu esa 'kqHk xzg gksaA
4- yXu esa 'kqØ ;k 'kfu vLr gksA
5- fucZy panz dk 3 ;k 9 Hkko esa fLFkr xzg ls laca/k gksA
6- dsanz esa fLFkr r`rh;s'k ;k ,dkn'ks'k dk 3 ;k 9 Hkko esa fLFkr xzg ls bRFklky Hkfo"; esa gksA
7- 'kqØ ;k 'kfu es"k ;k rqyk esa fLFkr gksA

82 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
8- fucZy panz v'kqHk Hkko esa fLFkr gks] v'kqHk xzg ls ;qr@n`"V gks vkSj 3] 9 Hkko esa fLFkr xzg ls
bRFklky gksA
9- r`rh;s'k ;k uoes'k dsanz esa fLFkr gks vkSj panz ls bRFklky gksA
10- yXus'k vkSj panz pj jkf'k esa fLFkr gksaA
11- panzek Lojkf'k esa n'ke Hkko esa fLFkr gks vkSj yXus'k dk r`rh; Hkko esa cSBs xzg ls bRFklky gksA
Future Point

dSnh dqN foyac ds ckn NwV tk,xk


1- ;fn panzek ehu jkf'k esa fLFkr gksA
2- yXus'k dsanz esa fLFkr gksA
3- yXus'k yXu esa vkSj v'kqHk xzg dsanz esa fLFkr gksaA
4- yXus'k vkSj panz ddZ esa fLFkr gksaA
5- 'kqHk xzg dk vU; 'kqHk xzg ls dsanz esa bRFklky gks vkSj dacwy ;ksx Hkh gksA
6- yXus'k vkSj panz esa bRFklky gksA
7- yXus'k dsanz esa fLFkr gks] 3] 6] 9 ;k 12 Hkko esa fLFkr xzg ls bRFklky gks rks dSnh 1 o"kZ esa NwV
tk,xkA
8- f}rh;s'k prqFkZ esa fLFkr gksA
9- yXu vkSj panz f}LoHkko jkf'k esa fLFkr gksaA
dSnh llEeku eqDr gksxk
1- panz uoe Hkko esa fLFkr gks vkSj yXus'k dk 3 ;k 9 Hkko esa fLFkr xzg ls bRFklky gksA
2- panz r`rh; Hkko esa fLFkr gks vkSj yXus'k dk 3 ;k 9 ds Lokeh ls bRFklky gksA
3- panz o`f'pd ;k dqaHk esa fLFkr gks exj dsanz esa u gks vkSj fdlh 'kqHk xzg dh ;k Hkkos'k dh n`f"V
gksA
4- yXus'k ij iq:"k xzg ¼lw;Z] eaxy ;k c`gLifr½ dh n`f"V ds lkFk fdlh v'kqHk xzg dh n`f"V gks
vkSj ml v'kqHk xzg dk 3 ;k 9 ds Lokeh ds lkFk bRFklky gksA
eqfDr ugha gksxh
1- yXus'k dk dsanz esa Lojkf'k esa fLFkr xzg ls bRFklky gksA
2- yXus'k dsanz esa fLFkr gks vkSj panz ls bRFklky gksA
3- dksbZ xzg dsanz esa Lojkf'k esa fLFkr gksA

iz'u T;ksfr"k 83

www.futurepointindia.com www.leogold.com www.leopalm.com


4- panz dsanz esa fLFkr gksdj 'kfu ls ;qr@n`"V gksA
5- r`rh;s'k vkSj uoes'k }kn'k Hkko esa fLFkr gksa vkSj yXus'k ls bRFklky gks rks dSnh tsy ls Hkkx
tk,xkA
6- }kn'ks'k yXu esa fLFkr gks rks dSnh tsy ls Q+jkj gks tk,xkA
tsy esa e`R;q
Future Point

1- v"Ves'k v'kqHk xzg gks] yXus'k v'kqHk gksdj v'kqHk xzg ls lacaf/kr gksA
2- v"Ves'k v'kqHk xzg gksdj prqFkZ Hkko esa fLFkr gks vkSj panz ls ;qfr] n`f"V ;k bRFklky gksA
3- panz dsanz esa fLFkr gks vkSj 'kfu ls ;qr@n`"V gksA
4- yXus'k prqFkZ Hkko esa vLr gks vkSj eaxy ls n`"V gksA
5- v"Ves'k dk panz ls bRFklky gksA
6- panz dk v'kqHk xzg ls prqFkZ Hkko esa bRFklky gksA
7- v'kqHk v"Ves'k dk yXus'k ls prqFkZ Hkko esa bRFklky gksA
8- }kn'ks'k vkSj yXus'k dk n'ke Hkko esa bRFklky gksA
9- yXus'k dk 3 ;k 9 ds Lokeh ls }kn'k Hkko esa bRFklky gksA
tsy ls dc eqfDr feysxh \
tkrd yXu esa fLFkr xzg ;k yXus'k ds vuqlkj tsy ls NwVsxkA eku yhft, yXu esa 'kqØ fo|eku
gSA
1- yXu esa 'kqØ gks rks 'kqØ ds yXu esa xkspj ds le; tsy ls eqfDr feysxhA
2-v-'kqØ vxj yXu esa o`"k ;k rqyk jkf'k esa fLFkr gks rks 15 fnuksa esa eqfDr fey tk,xhA
vk- 'kqØ ddZ ;k edj esa gks rks eqfDr eqf'dy ls feyrh gSA
b- 'kqØ f}LoHkko jkf'k esa gks rks tsy ls NwVus esa nsjh gksxhA
m- vxj 'kqØ yXu esa fLFkr ugha gS rks eqfDr yXus'k dh 'kfDr vkSj va'k ij fuHkZj gS] vFkkZr vxj
yXus'k uoeka'k esa pj jkf'k esa gks rks tkrd tsy ls NwV tk,xkA
fLFkj uoeka'k ds fy, vof/k dks nksxquk dj nsaA f}LoHkko uoeka'k ds fy, vof/k rhu x.kk dj nsaA
D;k tekur gksxh \
tekur dk vFkZ gS %
v- ifjokj ls iqufeZyu ¼f}rh; Hkko½

84 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
vk- pkjnhokjh ls eqfDr ¼}kn'k Hkko½
b- ?kj igqapuk ¼prqFkZ Hkko½
1- yXus'k dsanz esa fLFkr gks vkSj dsanz esa dsanz ds Lokeh ls bRFklky gks rks tekur ugha gksxhA
2- v'kqHk xzg dsanz esa fLFkr gksa rks tekur esa nsjh gksxhA
3- vFkd iz;kl }kjk tekur laHko gS %
Future Point

v- 'kqHk xzgksa dk dsanz esa bRFklky gksA


vk- yXus'k }kn'k esa fLFkr gks rFkk v'kqHk }kn'ks'k }kjk n`"V gksA
b- yXus'k dk panz ls dsanz esa bRFklky gksA
4- yXus'k vkSj panz dk bRFklky ddZ ls vU; pj jkf'k esa gks rks tekur gks tk,xhA ;g ;ksx vxj
ddZ esa gks rks tekur cgqr iz;kl ls gksxhA
5- yXus'k vLr ;k v'kqHk xzgksa dh n`f"V ds dkj.k fucZy gksus ij tekur feyus esa le; yxrk gSA
vxj panz Hkh nwf"kr gks vkSj v'kqHk xzg dsanz esa fLFkr gksa] v"Ve Hkko esa v'kqHk xzg fLFkr gksa rks
tkrd dh tsy esa e`R;q laHko gSA
6- yXu vkSj yXus'k nwf"kr gksa] dsanz esa v'kqHk xzg fLFkr gksa] eaxy vLr ;k uhpLFk ;k v'kqHk xzgksa
ls n`"V gks rks tsy ls NwVus ij tkrd dh gR;k gks tkrh gSA
7- yXus'k vkSj }kn'ks'k dk n'ke Hkko esa bRFklky gks rks tkrd dks tsy esa ;kruk nh tkrh gSA
8- iz'u ds fnu ds u{k= dks ns[ksaA fnu ds u{k= ls tUedqaMyh dk panz u{k= 4 u{k=ksa ds chp gks
rks ifj.kke fouk'k] 5 ls 7 u{k=ksa ds e/; gks rks eqfDr] 8 ls 11 esa e`R;q] 12 ls 14 esa ltk] 15
ls 18 lQyrk] 19 ls 20 tekur esa nsjh] 22 ls 25 e`R;q rFkk 26 ls 28 dkjkxkj ls eqfDr dk
ladsr gksrk gSA
D;k esjk lkeku fcuk ck/kk ds igqap tk,xk \
1- panz pj jkf'k esa dsanz esa fLFkr gks rks lkeku lqjf{kr igaqp tkrk gSA
2- fucZy v'kqHk xzg 3] 6] 9] 12 Hkkoksa esa fLFkr gksa vkSj 'kqHk xzg cyh gksa rks lkeku lqjf{kr igqaprk
gSA
3- v'kqHk xzg dsanz esa fLFkr gksa vkSj 'kqHk xzg fucZy gksa] c`gLifr uhpLFk] vLr ;k 'k=q{ks=h gks rks
lkeku lqjf{kr ugha igaqprk vkSj ijs'kkfu;ka vkrh gSaA
4- eaxy v"Ve esa gks vkSj lw;Z dh n`f"V gks rks ck/kk,sa vkrh gSaA
5- panz dk 'kfu ls bRFklky gks rks ck/kk,sa vkrh gSaA

iz'u T;ksfr"k 85

www.futurepointindia.com www.leogold.com www.leopalm.com


6- dsanz esa v'kqHk xzg fLFkr gksa ;k dsanz dh jkf'k;ksa ds Lokeh v'kqHk xzgksa ls ;qr@n`"V gksa rks ck/kk,a
vkrh gSaA
O;;
[kpZ ds izdkj
1- }kn'k Hkko esa 'kqHk xzg fLFkr gksa rks /ku 'kqHk dk;ks± ij [kpZ gksrk gSA
Future Point

2- }kn'k Hkko esa v'kqHk xzg ekStwn gksa rks [kpZ v'kqHk dk;ks± ij gksrk gSA
fofHkUu xzgksa }kjk [kpZ ds izdkj dk Kku gksrk gSA
lw;Z % ljdkj
panz % euksjatu] [ksy
eaxy % vuqfpr dk;Z
cq/k % O;kikj] 'ks;jksa dh [kjhn
c`gLifr % 'kqHk dk;Z] f'k'kq tUe] larku dk fookg] nku
'kqØ % ifr@iRuh ij O;;] ekSt eLrh
'kfu @ jkgq % v'kqHk dk;Z] chekjh
3- f}rh;s'k eaxy dk laca/k yXus'k ls gks rks O;; vuqfpr dk;ks± ij gksrk gS] ijarq vxj eaxy f}rh;
Hkko esa cyh gks rks O;; vkHkw"k.k] iqLrd] larku vkfn ij gksrk gSA
f}rh;s'k cyh gks rks %
lw;Z % czkã.k iwtk] xq#
panz % euksjatu@tqvk
eaxy % vkHkw"k.k] iqLrd] larku ;k vuqfpr dk;Z
cq/k % O;kikj vkSj [kjhnkjh
c`gLifr % 'kqHk dk;Z
'kqØ % euksjatu
'kfu % ?kj ls nwj gks rks euksjatu vkfn ij] vU;Fkk fu/kZu
4- f}rh;s'k eaxy fucZy gks rks fL=;ksa ij O;;A ;gh Qy vU; xzgksa dk gksxkA
5- f}rh;s'k gksdj c`gLifr 6] 9] 11 Hkko esa fLFkr gks rks lkekftd dk;Z] cM+ksa dks lEeku] czkã.k
vkfn ij O;; gksrk gSA 'kqØ 6] 9] 11 esa gks rks euksjatu ij O;; gksrk gSA cq/k 6]9]11 esa gks rks

86 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
O;kikj ij [kpZ gksrk gSA panz ls bRFklky gks rks 'kqHk dk;ks± ij ;k de v'kqHk dk;ks± ij O;; gksrk
gSA
orZeku vkSj Hkfo"; esa HkkX; dSlk jgsxk \
Hkfo"; tkuus ds fy, dqaMyh vkSj uoeka'k esa yXu vkSj panz ds cy dk vkdyu djsaA dqaMyh vkSj
uoeka'k esa yXu] yXus'k vkSj panz cyh gksa rks Hkfo"; mTToy gksrk gS] fucZy gksus ij mÙke Hkfo"; dk
dFku ugha djuk pkfg,A v'kqHk xzgksa dh ;qfr ;k n`f"V mÙke Hkfo"; dk uk'k dj nsrh gSA yXu vkSj
Future Point

yXus'k gh HkkX; dFkukFkZ i;kZIr ugha gSaA


lkFk esa ,dkn'k&,dkn'ks'k] f}rh;&f}rh;s'k] uoe&uoes'k dk Hkh fopkj djsaA yXu&yXus'k ls lacaèk
Hkh Hkfo"; dk Kku djkrs gSaA
;kn j[ksa fd og xzg ftlds lkFk yXus'k b'kjkQ ;ksx esa gks] tkrd ds Hkwrdky dk Kku djkrk gSA
og xzg] ftlds lkFk yXus'k ;qfr esa gS] tkrd ds orZeku dk cks/k djkrk gSA yXus'k ftl xzg ls
bRFklky esa gks] og Hkfo"; dh tkudkjh nsrk gSA
yXuys'k yXu esa fLFkr gksdj 'kqHk xzgksa ls ;qr@n`"V gks rks tkrd dk cqjk le; lekIr le>saA vkxs
lc dqN 'kqHk vkSj lkSHkkX;iw.kZ gksxkA 'kqHk xzg izlUurk vkSj v'kqHk xzg nq%[kksa ds lwpd gSaA c`gLifr
vkSj panz dk lIres'k ls b'kjkQ gks rks orZeku vkSj Hkfo"; mTToy jgsxkA
D;k i= ;k lkeku xarO; LFkku ij igqapsxk \ mÙkj vk,xk ;k ugha \
1- panz] cq/k vkSj 'kqØ 1] 2] 3] 10] 11 Hkkoksa esa fLFkr gksaA
2- 'kqHk xzg 4 vkSj 10 Hkkoksa esa fLFkr gksaA
3- panz 1] 2] 5 ;k 9 esa fLFkr gksA
4- panzek prqFkZ Hkko esa fLFkr gksA
5- v'kqHk xzg 2 ;k 3 Hkko esa fLFkr gksa rks tokc dqN nsjh ds ckn vkrk gSA
6- v'kqHk xzg 5 vkSj 6 Hkko esa fLFkr gksa rks tokc dqN nsjh ds ckn ;k rdkt+k djus ij vkrk gSA
7- v'kqHk xzg 7 vkSj 8 Hkko esa cSBs gksa rks tokc jkLrs esa xqe gks x;k gSA
8- v'kqHk xzg 5 ;k 6 Hkko esa ty jkf'k esa fLFkr gksa rks mÙkj feyus esa nsjh gksrh gSA
9- v'kqHk xzg 2 ;k 3 Hkko esa fLFkr gksa rks mÙkj ekxZ esa gksrk gSA
10- yXus'k vkSj panz dk lIres'k ls bRFklky gks rks tokc ekxZ esa gSA
11- yXus'k vkSj panz pj jkf'k esa gksa rks tokc 'kh?kz vk,xkA
12- mÙkj ugha vk,xk vxj yXus'k vkSj panz fLFkj jkf'k esa gksaA

iz'u T;ksfr"k 87

www.futurepointindia.com www.leogold.com www.leopalm.com


13- panz vkSj cq/k cyh gksdj bRFklky esa gksa rks tokc ldkjkRed gksxk] vU;Fkk ughaA
eSa fdrus o"kZ ftÅaxk \
ekjd xzgksa dks ns[ksaA ekjd xzg fuEu gSa %
1- f}rh;s'k vkSj lIres'kA
2- f}rh; vkSj lIre Hkko esa fLFkr xzgA
Future Point

3- f}rh;s'k vkSj lIres'k ls ;qr@n`"V xzgA


4- tc lw;Z] 'kqØ] f}rh;s'k ;k lIres'k dsanz ds] fo'ks"kdj lIre ds Lokeh gksa rks vo';eso ekjd
gksrs gSaA
5- 'kfu dh ;qfr f}rh;s'k ;k lIres'k ls gks rks og vo'; gh ekjd gksrk gS vkSj izeq[k Hkwfedk
fuHkkrk gSA
6- ck/kd xzgksa dk fopkj djsaA
v- yXu esa pj jkf'k gks rks ,dkn'ks'k ck/kd gksrk gSA
vk- yXu esa fLFkj jkf'k gks rks uoes'k ck/kd gksrk gSA
b- yXu esa f}LoHkko jkf'k gks rks lIres'k ck/kd gksrk gSA
Û yXu] yXus'k] lw;Z] panz ij 6] 8] 12 ds Lokfe;ksa dh v'kqHk n`f"V ¼;qfr] 900] lIre vkfn½ gks rks
vk;q vYi gksrh gSA
Û yXus'k oØh gks ;k v"Ve esa fLFkr gks ;k v'kqHk xzg yXu ;k v"Ve esa fLFkr gksa rks vYik;q gksrh
gSA
Û yXus'k ck/kd@ekjd xzg ds u{k= esa fLFkr gks ;k mldk 4]6]8]12 Hkkoksa ds ;k muds Lokfe;ksa
ls laca/k gks rks vk;q vYi gksrh gSA
Û yXus'k vxj "k"Vs'k ds u{k= esa fLFkr gks ;k NBs Hkko ;k "k"Vs'k ls laca/k gks rks tkrd chekjh
ls xzLr jgrk gSA
Û yXus'k v"Ves'k ds u{k= esa ;k v"Ve Hkko esa fLFkr gks ;k v"Ves'k @ v"Ve ls laca/k gks rks
tkrd nq?kZVuk dk f'kdkj gksrk gSA
Û yXus'k }kn'ks'k ds u{k= esa fLFkr gks ;k mldk }kn'k Hkko ;k }kn'ks'k ls laca/k gks rks tkrd
yacs le; rd vLirky esa jgrk gSA
e`R;q dk ladsr rHkh gksrk gS tc yXus'k dk laca/k ck/kd ;k ekjd xzg ls gksrk gSA ys[kd dk vuqHko
gS fd dHkh&dHkh ;ksxdkjd xzg Hkh e`R;qnkrk fl) gksrk gSA mnkgj.k ds fy, dqaHk yXu ds fy, 'kqØ

88 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
;ksxdkjd gSA dqaHk fLFkj jkf'k gS ftlls uoes'k ck/kd xzg gSA vr% 'kqØ ck/kd gSA vxj 'kqØ dsanz
esa] mnkgj.k ds fy, lIre Hkko esa fLFkr gS rks og ekjd LFkku gksus ds dkj.k] 'kqØ viuh n'kk&
varnZ'kk esa ¼vxj yXus'k dk laca/k 'kqØ ls gks rks½ e`R;q ns ldrk gSA
tkrd fdrus o"kZ ft,xk \

13 vDrwcj 1998 dks 10%30] fnYyh


Future Point

'kfu ¼o½ 7
9 yXu cq/k¼v½
7&10
10 lw;Z
8 'kqؼv½
dsrq 6&30 panz
xq#¼o½ 11 5 6
4&51
25&56 jkgq
dqaMyh 45 dsrq
jkgq 6&30 eaxy
eaxy
xq# ¼o½
2 4
9&38 12
panz
yXu cq/k ¼v½ lw'kq- Ø
25&49
¼v½ 1 3
18&29 7&53 21&27 'kfu ¼o½

2] 7 ds Lokeh ekjd xzg gSa] tcfd uoes'k ck/kd gSA f}rh;s'k c`gLifr oØh gS vkSj dsanz esa prqFkZ
LFkku esa dsrq ds lkFk fLFkr gksdj yXus'k eaxy vkSj ck/kd panz dks ns[k jgk gSA yXus'k eaxy dk
oØh c`gLifr ls bRFklky gSA panz dk yXus'k ls bRFklky gSA dkjd c`gLifr ls ,d ekl dk ladsr
feyrk gSA vr% e`R;q yxHkx 1 ekl esa laHko gSA dkjd vkSj yXus'k esa va'kksa dk varj yxHkx 150
gSA vr% e`R;q dk ladsr 15 fnu esa gSA c`gLifr f}LoHkko uoeka'k esa fLFkr gS] vr% vof/k dks 3 xquk
djsaA e`R;q 20 fnlacj 1998 dks gqbZA
D;k edku cusxk \
prqFkZ Hkko Lo;a dh tehu] tk;nkn] Hkou vkfn dk ladsrd gSA ,dkn'k Hkko vkdka{kkvksa dh iwfrZ]
ykHk n'kkZrk gS tcfd }kn'k Hkko fuos'k vkSj O;; dk ifjpk;d gSA vr% x`g ds fuekZ.k ds fy,
4]11]12 Hkkoksa dk fopkj djsaA
yXu vkSj yXus'k dk laca/k mijksDr Hkkoksa vkSj muds Lokfe;ksa ls gks rks tkrd edku cuk,xkA tkrd
vxj fufeZr Hkou [kjhnuk pkgrk gS rks 6 vkSj 9 Hkkoksa dk Hkh v/;;u djsaA NBk Hkko foØsrk ds
lIre Hkko dh gkfu gSA uoe Hkko n'ke Hkko ¼lIre dh tk;nkn½ dh gkfu gSA Hkw[kaM ds Ø; ds
fy, fufeZr Hkou okys fu;eksa dk iz;ksx fd;k tkrk gSA

iz'u T;ksfr"k 89

www.futurepointindia.com www.leogold.com www.leopalm.com


Hkou ds Ø; ds fy, ns[ksa fd D;k prqFksZ'k] prqFkZ Hkko esa fLFkr xzg] prqFksZ'k dk u{k=s'k] prqFksZ'k dh
jkf'k ds Lokeh vkSj uoeka'k esa prqFksZ'k dh jkf'k ds Lokeh dk laca/k yXus'k] }kn'ks'k] ,dkn'ks'k vkSj
muds Hkkoksa ls gSA
D;k tk;nkn fcdsxh \
tk;nkn dk ladsr yXu ls prqFkZ Hkko ls gksrk gSA r`rh; Hkko prqFkZ Hkko ls }kn'k gSA [kjhnkj dk
Hkko lIre gSA yXu ls n'ke Hkko lIre ls prqFkZ gS vFkkZr lIre dh tk;nknA iape Hkko lIre
Future Point

dk ,dkn'k gSA vr% tk;nkn dh fcØh dk ladsr yXu ls 3] 5] 10 Hkkoksa ls izkIr gksrk gSA
vr% lIre }kjk tk;nkn [kjhnus esa lQyrk dk ladsr n'ke] n'kes'k] n'ke esa fLFkr xzg] n'kes'k
dk u{k= vkSj n'kes'k dh uoeka'k esa jkf'k ds Lokeh] n'kes'k ls ;qfr djus okys ;k ml ij n`f"Vikr
djus okys xzgksa ls izkIr gksrk gSA la{ksi esa] n'ke Hkko ls lacaf/kr xzgksa ls tk;nkn fcdus dk irk
pyrk gSA n'kes'k dk laca/k oØh ;k vLr xzgksa ls gks rks tk;nkn dh [kjhn ugha gks ikrh gSA n'kes'k
dk laca/k 10] 3] 5 Hkkoksa ls gks rks Øsrk tk;nkn [kjhnus esa lQy gksrk gS vkSj tkrd tk;nkn cspus
esa lQy gksrk gSA
tc Hkh 'kfu vkSj panz ,d jkf'k esa gksrs gS rks bldk vFkZ gS vxys iz;kl esa dke cu tk,xkA dkjd
eaxy dk Hkh fopkj djsaA

10-06-1999 dks 13%00] fnYyh


xq#q 3&10 7 5
lw;Z cqèk eaxy 6 4
panz 20&51 26&7
'kfu18&23
14&9 8 yXu 'kqØ
'kq- 11&27 3 jkgq
jk- 20&37 9 cq/k
dqaMyh 46
dsrq
20&37 12 2
10
lw;Z
dsrq 1
eaxy yXu
00&55 4&55 11 xq- 'k-
pa-

yXu f}LoHkko jkf'k dk gksdj fLFkj jkf'k ds vuqlkj dk;Zjr gSA 'kh"kksZn; jkf'k gSA n'kes'k Lojkf'k
esa jkgq ds u{k= esa vkSj 'kfu ds uoeka'k esa gSA panzek v"Ve Hkko esa 'kfu vkSj c`gLifr ls ;qr vkSj
3]8 ds Lokeh eaxy ls n`"V gSA vkxkeh iz;klksa esa tk;nkn fcd tk,xhA

90 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
D;k eSa izfr;ksfxrk ijh{kk esa cSB ldwaxk \
bl izdkj ds iz'uksa ds fy, fuEu dk fopkj djsa %
v- ijh{kk esa mifLFkr gksus dk lkgl] vFkkZr la?k"kZ'kfDr
vk- D;k tkrd ijh{kk esa mifLFkr gks ldsxk \
b- D;k lQyrk feysxh \
Future Point

d- ijh{kk esa cSBus ds lkgl ds fy, r`rh; Hkko dk fopkj fd;k tkrk gSA r`rh; Hkko ij panz dk
izHkko gks rks tkrd lkgfld fu.kZ; ysus esa vleFkZ jgrk gSA 'kfu dk izHkko gks rks tkrd vfr
lkoèkku gksus ls vkRefo'okl jfgr gksrk gSA cq/k gksus ij tkrd nqfo/kk esa jgrk gSA lw;Z] eaxy]
c`gLifr ;k 'kqØ dk izHkko gksus ij tkrd esa izfr;ksfxrk ds fy, Hkjiwj lkgl gksrk gSA
[k- tkrd ijh{kk esa cSB ldsxk ;k ugha] bldk fopkj yXu ls djsaA dHkh&dHkh O;fDr esa ijh{kk ds
fy, lkgl gksrk gS] ij og chekjh vkfn ds dkj.k ijh{kk dsanz esa igqap ugha ikrk gSA bldk fopkj
6]8]12 Hkkoksa ls gksrk gSA ;fn yXu vkSj yXus'k nwf"kr gksa rks tkrd izfr;ksfxrk ijh{kk esa mifLFkr gksus
esa lQy ugha gksrk gSA
x- D;k izfr;ksfxrk ijh{kk esa lQyrk feysxh \ blds fy, 4] 9] 11 Hkkoksa vkSj muds Lokfe;ksa dk
fopkj djsaA pkSFkk Hkko r`rh; Hkko ls f}rh; gS] uoe Hkko r`rh; ls lIre gS vkSj ,dkn'k Hkko r`rh;
ls uoe vkSj yXu ls ykHk gSA r`rh;s'k dk laca/k 4] 9] 11 Hkkoksa ls gks rks izfr;ksfxrk ijh{kk esa lQyrk
izkIr gksrh gSA

01-05-1997 dks 10%27] fnYyh


xq 24&24 lw 16&33 'kqØ jkgq 2
yXu 4 3 'kqØ
cq- 23&29 'kfu ¼v½ 27&44 27&08 5 yXu
1
13&28 lw;Z
jkgq
'kfu¼v½
24&28
12
6 cq/k
dqaMyh 47 xq#
dsrq 24&28
7 9 11
ea-¼o½
pa- 22&57 pa- 10
ea-¼o½7&52 8 dsrq

iz'u T;ksfr"k 91

www.futurepointindia.com www.leogold.com www.leopalm.com


yXu esa 'kh"kksZn;] f}LoHkko jkf'k ifjorZu dh lwpd gSA uhpLFk 'kfu ¼lw;Z ds mPpLFk vkSj panz ls
dsanz esa gksus ds dkj.k uhp Hkax½ dh yXu ij n`f"V gSA 'kfu vLr Hkh gS] vr% udkjkRed izHkko gSA
yXus'k n'ke Hkko esa n'kes'k ds lkFk fLFkr gksdj bRFklky esa gSA
panz iape Hkko esa f=dks.k esa ,dkn'ks'k eaxy ¼oØh½ ds lkFk fLFkr gSA blls udkjkRed izHkko gSA
ml ij uhp Hkax okys vLr 'kfu vkSj mPpLFk lw;Z dh n`f"V gSA ;g Hkh udkjkRed gSA
r`rh; Hkko esa dksbZ xzg ugha gS] u gh fdlh dh n`f"V gSA r`rh;s'k lw;Z uoeka'k esa Lojkf'k esa gSA lw;Z
Future Point

,dkn'k Hkko esa mPp dk gS vkSj 'kqØ] c`gLifr vkSj cq/k ds e/; fLFkr gSA bldh 8]9 ds Lokeh 'kfu
ls ;qfr gSA NBs Hkko ij 'kqØ vkSj c`gLifr dh n`f"V gSA "k"Vs'k eaxy panz ls ;qfr esa gksdj f=dks.k
iape Hkko esa fLFkr gS vkSj 'kfu vkSj lw;Z ls n`"V gSA eaxy dh uoeka'k esa yXu ij n`f"V gSA
n'ke Hkko esa Hkko Lokeh c`gLifr cq/k ds lkFk fLFkr gSA ,dkn'k Hkko ij Hkkos'k dh n`f"V gSA mlesa
uoes'k 'kfu vkSj r`rh;s'k lw;Z ¼mPp½ fLFkr gSaA
uoes'k dk ,dkn'k esa uhpHkax jkt;ksx gSA yXus'k cq/k dh n'kes'k c`gLifr ls n'ke Hkko esa ;qfr vkSj
bRFklky gSA 3] 6 Hkko vkSj muds Lokeh ldkjkRed gSa] vr% tkrd izfr;ksfxrk ijh{kk esa mifLFkr
gksxkA
tkrd fnYyh fo'ofo|ky; dh ch-lh-,- izos'k ijh{kk esa 30 ebZ 1999 dks cSBkA D;ksafd yXus'k dk
}kn'ks'k 'kqØ ls }kn'k Hkko esa bRFklky gS] yXu] panz vkSj lw;Z dk laca/k vLr 'kfu ls gS] vr% tkrd
ijh{kk esa lQy ugha gks ldkA
D;k egkfo|ky; esa izos'k feysxk \
f'k{kk dk ladsr prqFkZ Hkko ls gksrk gSA pwafd tkrd viuh egRokdka{kkvksa dh iwfrZ pkgrk gS vFkkZr
fo|ky; esa izos'k pkgrk gS] vr% ,dkn'k Hkko dk fopkj djsaA prqFkZ] prqFksZ'k] ,dkn'k] ,dkn'ks'k esa
laca/k gks rks fo|ky; esa izos'k fey tkrk gSA dkjd cq/k vkSj c`gLifr gSaA

11-6-1999 dks 19%36] fnYyh


xq- 3&13 lw;Z cqèk dsrq 8
'k- 18&24
26&22 14&38 10 yXu
panz 250
11 9 7
'kq-11&43 eaxy
jk-20&35
6
dqaMyh 48 12
dsrq
20&35 1 3 5
xq- panz cq/k
yXu eaxy 'kfu 2 4
1&09 00&57 'kqØ jkgq
lw;Z

92 iz'u T;ksfr"k
www.futurepointindia.com www.leogold.com www.leopalm.com
yXu f}LoHkko jkf'k esa gS vkSj n'kes'k cq/k ls n`"V gSA yXus'k c`gLifr iape Hkko esa fLFkr gksdj
,dkn'k Hkko ij n`f"V Mky jgk gS vkSj iapes'k eaxy ls n`"V gSA c`gLifr dh 2]3 ds Lokeh 'kfu vkSj
v"Ves'k panz ls ;qfr gSA ,dkn'k Hkko esa }kn'ks'k eaxy fLFkr gS ftl ij 'kfu dh n`f"V gSA ,dkn'ks'k
'kqØ v"Ve Hkko esa fLFkr gSA
prqFksZ'k c`gLifr dh ,dkn'ks'k 'kqØ ij 900 dh n`f"V gS vkSj b'kjkQ ;ksx gSA izos'k ugha feykA tkrd
fo|ky; esa ugha tk ldkA
Future Point

vkt dk fnu dSls xqt+jsxk \


1- yXus'k yXu esa] Lojkf'k esa] mPpLFk] fe={ks=h] 'kqHkdrZjh] 'kqHk Hkkoksa esa fLFkr gks vkSj panz Hkh cyh
gks ¼'kqDy i{k dk 'kqHk izHkkoksa esa gks½ rks fnu vPNk jgsxk vkSj tkrd dks lq[k iznku djsxkA
2- yXu esa v'kqHk xzg cyh gksa ;k v'kqHk xzgksa dh n`f"V gks rks fnu vPNk ugha tk,xk] fpark&ruko
gkoh jgsaxsA
3- panz] yXus'k ;k v'kqHk xzg v"Ve Hkko esa fLFkr gks vkSj v'kqHk xzg dh n`f"V gks rks fnu vPNk ugha
jgsxkA

25-1-1999 dks 19%13] fnYyh


xq- panz 28&16 4
6 5 jk-
2&25 'kfu 3&37 7 yXu 3
eaxy
'kqØ jkgq
2&35 28&24
2
8
lw- 11&47 dqaMyh 49
cq-¼v½ yXu
5&35 5&38 11 1
ds-28&24 9
'kqØ pa-
eaxy 10 12 'k-
5&58 cqèk ¼v½ xq#
lw- ds-

yXu ij 'kqØ dh n`f"V gS] yXus'k mip; Hkko 6 esa cq/k vkSj dsrq ds lkFk fLFkr gS vkSj jkgq ls n`"V
gS] panzek uoe Hkko esa fe= jkf'k esa 'kfu ds lkFk fLFkr gSA ijarq nksuksa ds va'kksa esa cgqr varj gS vr%
;qfr izHkkoghu gSA blh izdkj lw;Z] cq/k vkSj dsrq ds va'kksa esa cgqr varj gSA v"Ve Hkko vius Lokeh
dh mifLFkfr ls cyh gSA yXu 'kqØ ds uoeka'k esa gS vkSj 'kqØ ls n`"V gS] vr% cyh gSA tkrd us fnu
O;Lrrk ls fcrk;k vkSj le; ij Hkkstu Hkh ugha dj ldkA
D;ksafd panz v'kqHk 'kfu ls nwj gks jgk gS vkSj vius mPp ds LFkku dh vksj c<+ jgk gS] blls ladsr
feyrk gS fd vkt dk fnu cgqr O;Lr vkSj la?k"kZiw.kZ jgsxk exj Hkfo"; mTToy vkSj lq[kh gSA

iz'u T;ksfr"k 93

www.futurepointindia.com www.leogold.com www.leopalm.com

You might also like