uxj fodkl U;kl dksVk

dksVk esa c<+rs ‘kgjhdj.k ds dkj.k Hkw[k.Mksa dh foØ; nj vf/kd gks xbZ
gSA ftlls detksj vk; oxZ o e/;e oxZ ds yksxksa ds fy, Hkw[k.Mksa dks [kjhn

ikuk dfBu gks x;k gSA bl dfBukbZ dks eglwl djrs gq, ,oa tufgr dss n`f”Vxr

uxj fodkl U;kl dksVk }kjk U;kl dh eksguyky lq[kkfM+;k ;kstuk ds ikl
jkekuUnkpk;Z uxj vkoklh; ;kstuk esa Hkw[k.Mksa ds vkoaVu gsrq vkosnu vkeaf=r

fd, tk jgs gS A ;ks t uk es a vkoa V u gs r q Hkw [ k.Mks a dh dq y la [ ;k 148

fu/kkZfjr gS] ftudh la[;k ?kVkbZ @c<+kbZ tk ldrh gSA Hkw[k.Mksa dk vkoaVu
ykWVjh i}fr ls fd;k tk,xkA ftles jkT; ljdkj ds fu; ekuqlkj fofHkUUk oxksZ ds
fu;ekuq
fy, vkj{k.k dh O;oLFkk dh xbZ gSA

vkosnu iqfLrdk esa vkosnu dh ‘krsZ]Hkw[k.Mksa dh nj]Hkw[k.Mksa ds lkbt

vkfn fcUnqvksa dk mYys[k dj fn;k gSA vr% bl ;kstuk esa vkosnu dj ykHk

mBkos a A

‘kqHkdkeukvksa lfgrA

jkedqekj esgrk vkuUnh yky oS".ko

v/;{k lfpo
uxj fodkl U;kl] dksVk uxj fodkl U;kl] dksVk
(1)
 uxj fodkl U;kl] dksVk

jkekuUnkpk;Z uxj vkoklh;

;kstuk
;kstuk LFky %&

mDr ;kstuk xzke ukUrk esa eksgu yky lq[kkfM+;k ;kstuk ds ikl rFkk U;kl
dh izlUu fogkj]jktho vkokl ;kstuk ds lehi fLFkr gSA ;g dksVk&cwUnh lM+d
ls yxHkx 3 ls 4 fd-eh dh nwjh ij fLFkr gSA ;gk¡ FkeZy pkSjkgs ls dsuky jksM+ ds
ek/;e ls iagqpk tk ldrk gSA

;kstuk dh fo’ks”krk,a %&

1- U;kl dh eksgu yky lq[kkfM+;k ;kstuk ds iklA

2- U;kl dh izlUUk fogkj]jktho vkokl ;kstuk ds ikl
3- FkeZy pkSjkgs ls dsuky jksM+ ds ek/;e ls vklkuh ls igaqpA

(2)
 miyC/k Hkw[k.Mksa dk fooj.k%&
Ø- Hkw[k.Mksa dh Hkw[k.Mksa dk Hkw[k.Mksa dk vuqekfur iath;u ik=rk gsrq
Js.kh vk; oxZ
l- la[;k {ks=Qy {ks=Qy dher jkf’k
oxZ ehVj esa oxZ QhV esa Rs. Rs. ¼jkf’k :- iz-ekg½

1- EWS 32 4.5x9= 435.78 388/- 10000/- 10000

40.5 izfr oxZ QhV rd

2- LIG 18 6x12= 774.72 930/- 15000/- 10001 ls

72 izfr oxZ QhV 15000
3- MIG (i) 50 7.5x15= 1210.50 1550/- 25000/- 15001 ls
112.5 izfr oxZ QhV 30000
4- MIG (ii) 18 9x18= 1743.12 1550/- 25000/- 15001 ls
162 izfr oxZ QhV 30000
5- MIG A 18 12x21= 2711.52 1628/- 30000/- 30001 ls
izfr oxZ QhV 45000
252

6- MIG B 7 12x27= 4357.80 1705/- 35000/- 45001 ls

405 izfr oxZ QhV 65000

7- HIG 5 15x27= 5810.40 1860/- 50000/- 65001 ls

540 izfr oxZ QhV
vf/kd
dqy Hkw[k.M 148

iath;u jkf’k ds lkFk 2000@&:- iz’kklkfud ‘kqYd jkf’k tek gksxh ]tks
vns; gSA (Non Refundable)

;kstuk dk fooj.k %&

mDr ;kstuk esa U;kl us 148 Hkw[k.M vkoaVu gsrq fu/kkZfjr fd;s gSA
mDr la[;k ekax ,oa miyC/krk ds vk/kkj ij ?kVkbZ&c<kbZ tk ldrh gSA
mDr ;kstukvksa esa dkWujZ Hkw[k.M gksus dh fLFkfr esa 10 % vfrfjDr pktZ ns;
gksxkAlHkh Hkw[k.Mks dk vkoaVu ykWVjh i)fr ls fd;k tkosxkA
(3)
 ik=rk
1 - vkosnd Hkkjr dk ukxfjd gksuk pkfg,A
2 - vkosnd dks Ok;Ld gksuk pkfg, vFkkZr~ vkosnu&i= tek djkus dh frfFk dks vkosnd
dh vk;q 18 o”kZ iwjh gksuh pkfg,A
3 - vkosnd dk fdlh Hkh cSad eas [kkrk gksuk pkfg, vkSj vkosnd vkosnu&i= esa mldk
fooj.k vo’; HkjsAa ;g ekuk tkrk gS fd cSad us ,sls [kkrksa ds /kkjdksa ds lEcU/k esa
RBI ds KYC ekudksa dk ikyu fd;k gSA
4 - vkosnd ds ikl vk;dj vf/kfu;e ds izko/kkuks ds vUrxZr vkoafVr LFkkbZ [kkrk
la[;k ¼PAN½ gksuk pkfg,A ¼EWS ,oe~ LIG dks NksM+dj½
5 - 1]00]000 dh tula[;k okys ‘kgj esa yhtgksYM@Ýh gksYM dk Hkw[k.M@vkokl ugh
gksuk pkfg,A
6 - fu/kkZfjr Js.kh esa vkosnu djus gsrq mlh vk; oxZ esa gksuk vko’;d gSA
7 - la;qDr uke ls vkosnu dh fLFkfr eas nksuks ,d gh Js.kh ds gksuk vfuok;Z gSA

vkosnu i= Hkjus dh izfØ;k %&

1- vkosnu i= vkosnu iqfLrdk esa mYysf[kr cSad ds ek/;e ls izkIr fd;s tk
ldrs gSAvkosnd vius uke ls dsoy ,d vkosnu vfUre i` ” B ij fn;s
x, QkeZ ,oe~ pkyku Hkjdj tek djk ldrk gSA
2- lHkh Js.kh;ksa ds fy, vkosnu i= ,d gh gS d`i;k dks”Bd esa lgh ¼3½ dk
fpUg yxk;sAa ftl Js.kh ds fy, vkosnu fd;k tk;s]mlh Js.kh dk pkyku
QkeZ layXu djuk vko’;d gSA
3- vkosnu i= esa d`i;k ‘kq) fgUnh esa viuk iw.kZ uke] irk Li”V eksVs
v{kjks esa fy[ks rFkk vius firk@ifr dk uke] i= O;ogkj dk irk]
eksgYyk] xyh]cktkj]edku ua0 lfgr ‘kgj@ftys dk uke] fiudksM ua0
lfgr LoPN ys[k eas fy[ksA izR;sd dfVax ij gLrk{kj djs]a vkosnu i= eas
VsyhQksu ua0@eksckby ua0 ;fn gks rks fy[ks rFkk fu/kkZfjr dkWye esa
vkosnd ds uke dk cSd a [kkrk la[;k rFkk cSd
a dk uke] IFSC dksM fy[ksA
4- vkosnu i= ij uohure ikliksVZ lkbZt dk Lo izekf.kr QksVks vPNh
izdkj ls fpidk,A

(4)
5- vkosnu i= dk;kZy; eas tek djkus ds Ik’pkr~ irs esa ifjorZu ds vykok
dksbZ ifjorZu ugha fd;k tkosxkA
6- vkosnd vkosnu i= ds lHkh dkWyeksa dh iwfrZ djs]tks dkWye ykxw ugh gksrk
gks mls Li”V :Ik ls X ¼ugh½ vafdr djsAa
7- vkosnu i= dsoy vkosnu iqfLrdk esa of.kZr cSd a ds ek/;e ls tek fd,tk,axAs
8- lHkh nLrkost dh lqfuf'prk Lo;a ds Lrj ij djsa
9- la;Dq r uke ls vkosnu ij nksuks vkosndksa ds QksVks vko';d gS rFkk izi=ksa ij
nksuks ds Øekuqlkj la;qDr gLrk{kj vko';d gSA izFke vkosnd dk cSad dk
uke ,oa [kkrk la[;k vkosnu i= esa nsosaA

fo’ks”k vuqns’k
1- EWS ,oe~ LIG dks NksM+dj vkonsd dk LFkk;h [kkrk la[;k ¼iSu½ fn;k
tkuk vko’;d gSA lkFk gh PAN CARD dh Lovuqizekf.kr izfr vo’; yxk, A
2- vkosnd vius [kkrs dk ,d dSfUlYM pSd (cancelled cheque CTS 2010)
layXu djsA vFkok cSd a ikl cqd izfr lyaXu djs]a ftlesa cSd a [kkrk la[;k ,oa
IFSC Code gksA
3- d`i;k ,lVhMh dksM lfgr viuk Qksu ua0] bZ&esy a vkbZMh vkSj eksckbZy ua0]
;fn dksbZ gks] nsA ;g vkosnd ds fgr esa gksxk fd os ;s fooj.k nsa D;ksfd
blls fdlh izdkj dh vko’;drk gksus ij vkosnd ls lEidZ djus esa U;kl
,oa cSda dks lgk;rk feysxhA
4- fu%’kDr O;fDr vius uke ls vkosnu dj ldrs gSA ;fn og Lo;a vkosnu i=
tek djkus eas v{ke rks og vkosnu i= vius dkuwuh laj{kd ds ek/;e ls
tek djk ldrk@ldrh gSA
5- vkosnd dk fjgk;’kh irk fn;k tkuk vko’;d gSA
6- /ku jkf’k dh okilh dk pSd@ekax ,oa vkoaVu i= Hkstus ds fy, i= O;ogkj
ds irs dk mYys[k djsAa
7- vkosnu djrs le; dh vk; dks vk/kkj ekuk tk;sxkA vr% vkosnu iqfLrdk esa of.kZr
ik=rk gsrq fu/kkZfjr vk; oxZ ds vuqlkj gh vk; izek.k i= nsoas rFkk mlesa dsoy izfr ekg vk;
vafdr djsa A lsokfuo`r dkfeZdksa@lSfudksa dh orZeku isa’ku gh vk; dk vk/kkj gksxhA mUgs
viuh cSad ikl cqd dh izfr@isa'ku Mk;jh dh izfrfyfi lyaXu djuh gksxh
8- vkosnu QkeZ ds lkFk fu/kkZfjr izk:i esa vk; izek.k i= lyaXu ugh djus ij vkosnu
fujLr fd;k tk;sxk rFkk fu/kkZfjr vk; ls de@vf/kd vk; @ 'kwU; vk; dh fLFkfr esa
vkosnu fujLr fd;k tk;sxkA
(5)
9- iathdj.k jkf’k dk fooj.k fy[ksa] fMek.M Mªk¶V lfpo] uxj fodkl
U;kl dksVk ds i{k eas ns; gksuk pkfg,A

vkj{k.k %&
Hkw[k.Mksa dh izR;sd Js.kh esa fofHkUu oxksZ ds fy, Hkw[k.M vkj{k.k ds izfr’kr dh
rkfydk uhps nh x;h gSA tks O;fDr ftl oxZ ds vUrxZr Hkw[k.M gsrq vkosnu
djsaxs mUgs mlh oxZ ds fy, ykWVjh es lfEEkfyr fd;k tk;sxkA fdlh vU; oxZ
es mudk dksbZ nkok Lohdkj ugh fd;k tk;sxkA QkeZ esa oxZ dk dksbZ mYYks[k
ugha gksus ij lkekU; oxZ dk vkosnu ekuk tkosxkA
jkT; ljdkj ds lSfud@lsokfuo`r lSfud vuqlwfpr vuqlwfpr “kkjhfjd vf/kLohd`r lkekU;
foHkkxks ,oa jktdh; ,oa lSfudks dh fo/kok, tkfr ds tutkfr fu%”kDr i=dkj Js.kh ds
miØeks ds deZ0 tu ds fy,
fy,
10% 10% 9% 6% 3% 2% 60 %

Li”Vhdj.k %
1- tks O;fDr jktLFkku ljdkj@jktLFkku fLFkr fo’ofo|ky;@jkT; ds
LFkkuh; fudk;ks o jktLFkku ljdkj ds miØeks ds v/khu fu;fer :i ls
dk;Zjr gS rFkk jktLFkku ds ewy fuoklh gS] mUgh dks jkT; deZpkjh ds oxZ
es ekuk tk;sxkA ,sls O;fDr dks vius fu;kstd@foHkkxk/;{k dk izek.k i=
vkosnu i= ds lkFk izLrqr djuk gksxkA is'a kuj dks bl oxZ esa ugh ekuk tkosxkA
2- vuqlwfpr tkfr@vuqlwfpr tutkfr ds lnL; og O;fDr gS tks jktLFkku
dh tux.kuk es vuqlwfpr tkfr ,oa vuqlwfpr tutkfr ds :i es lwphc}
gSA,sls O;fDr dks jktLFkku ljdkj }kjk izkf/kd`r vf/kdkjh dk izek.k i=
vkosnu i= ds lkFk izLrqr djuk gksxkA
3- lSfud dk vFkZ Fky] ty] ok;qlsuk] ch-,l-,Q-] lh-vkj-ih-,Q- ,oa lh-
vkbZ-,l-,Q-]dk;Zjr vFkok bu lsokvks ls lsokfuo`r deZpkjh@vf/kdkjh
ls gS A

(6)
 4- lSfudks dh fo/kok;s os gS ftuds ifr lSfud jgs gks ,oa e`R;q lsok dky ds
nkSjku gks xbZ gks A
5- vf/kLohd`r i=dkj os gS ftUgs jktLFkku ljdkj@Hkkjr ljdkj dh
izkf/kd`r laLFkk }kjk vf/kLohd`r i=dkj dh ekU;rk nh xbZ gS ,oa
orZeku esa Hkh i=dkfjrk dk dk;Z dj jgs gks A
6- fodykax O;fDr os gS tks ‘kkjhfjd v;ksX;rk ds dkj.k fodykax gks pqds
gS rFkk jkT; ljdkj ds izkf/kd`r fpfdRlk vf/kdkjh }kjk izekf.kr gSA
7- fdlh Hkh vkjf{kr oxZ ds vkosnu i= i;kZIr la[;k es izkIr ugh gksus ij
ml oxZ ds ‘ks”k Hkw[k.Mks dk vkoaVu lkekU; Js.kh ds mlh vk; oxZ ds
vkosndks dks fd;k tk;sxkA
8- la;qDr vkosnu dh fLFkfr esa lHkh vkosndksa dks ,d gh vkjf{kr Js.kh dk
gksuk vfuok;Z gS vU;Fkk vkosnu i= fujLr fd;k tkosxkA
9- vkosnu djrs le; dh vk; dks vk/kkj ekudj ik=rk fu/kkZfjr dh
tkosxhsA vr% vk; izek.k i= esa vkosnu iqfLrdk esa nh xbZ rkfydk esa
ik=rk gsrq fu/kkZfjr vk; ds vuqlkj gh izfr ekg vk; HkjsaA fu/kkZfjr
vk; ls de@vf/kd vk; dh fLFkfr esa vkosnu i= fujLr ;ksX; gksaxs
lsokfuo`r deZpkfj;ksa ,oa lSfudksa dh orZeku isa'ku dks gh vk; dk
vk/kkj ekuk tkosxkA vk; ds lEcU/k esa ,sls vkosnd viuh orZeku cSad
ikl cqd dh izfr@isa'ku Mk;jh esa orZeku isa'ku dh izfrfyfi layXu
djsaA
10 ,d O;fDr ,d gh oxZ esa vkosnu dk ik= gksxk] ;fn mlds }kjk ,d
ls vf/kd oxZ esa vkosnu fd;k rks lEkLr vkosnu fujLr ;ksX; gksaxsA
11 vU; fiN+Mk oxZ ls lEcfU/kr vkosndksa }kjk ,l-lh-@,l-Vh- oxZ esa
vkosnu ugh fd;k tk ldrk gSA;fn ,sls vkosnu ik;s x;s rks og
fujLr ;ksX; gksaxsA
12 ,d ckj vk; izek.k i= nsus ds ckn nqckjk] nqljk vk; izek.k i=
Lohdkj ugh fd;k tk;sxkA

(7)
 vkosnu dSls djsa
1- bl ;kstuk ds vUrxZr vkosnu dj jgs vkosnd dks fu/kkZfjr iathdj.k
jkf’k ,oe~ 2000@& dk iz’kklfud ‘kqYd (Non Refundable) fMek.M
Mªk¶V }kjk tek djkuk gksxkA
2- iathdj.k jkf’k ;wvkbZVh dksVk eas ns;] fdlh Hkh cSad ds flaxy fMek.M
Mªk¶V@is&vkWMZj }kjk vkosnu iqfLrdk esa mYysf[kr cSd a dh fdlh Hkh uksMy
‘kk[kk eas tek djuh gksxh
3- vko’;d Hkqxrku ds lkFk lHkh rjg ls fof/kor iwjk vkosnu&i= vkosnu
iqfLrdk esa mYysf[kr cSad }kjk vkosnu&i= tek djkus dh vafre frfFk
ls iwoZ cSfa dax le; ds lekiu ls iwoZ fn, tk,sxa As ;wvkbZVh lekiu le; ds
Ik’pkr] fdlh Hkh dkj.k ls vkosnu i= dh izkfIr esa foyEc ds fy, ftEesnkj
ugha gksxkA
4- vkosnu i= ;kstuk can gksus dh frfFk ds ckn Lohdkj ugha fd;s tk;sxa As ;fn
fdlh Lrj ij ;g ik;k tkrk gS fd Hkqxrku dh frfFk ;kstuk ds can gksus
ds ckn dh gS rks ,sls vkosnu i=ks dks vLohdkj dj fn;k tk;sxk vkSj bldk
iw.kZ ftEesnkj vkosnd gksxkA ykWVjh ds Mªk esa ,sls vkosnu i= ij fopkj ugh
fd;k tkosxkA
5- fdlh Hkh l’krZ vkosnu ij fopkj ugha fd;k tk;sxkA nLrkost ds vHkko
esa rFkk viw.kZ vkosnu i=ks dks vkosnd dks fcuk dksbZ dkj.k crk;s lh/ks gh
vLohdkj dj fn;k tk,xkA

vkosnu i= izLrqr djus dh vfUre frfFk --------------- gSA

(8)
 vkosnu i= ds lkFk tek fd;s tkus okys nLrkost
¼d½ leLr oxksZ ds fy,
1- fu/kkZfjr iath;u jkf'k ,oa iz'kklfud 'kqYd dk fMek.M Mªk¶V
2- lHkh vkosnu i=ks ds lkFk vk;dj foHkkx }kjk tkjh iSu ¼LFkkbZ [kkrk
la[;k½ dh Lo vuqizekf.kr izfrA ¼EWS ,oe~ LIG dks NksMd + j½
3- fuokl dk izek.k tSls ikliksVZ] ljdkjh igpku i=] ernkrk igpku i=]
vk/kkj dkMZ] jk’ku dkMZ]MªkbZfoax ykbZlsal] VsyhQksu fcy] fctyh dk
fcy] ikuh dk fcy] x`g dj dh jlhn] cSd a ikl cqd ¼ftl ij uke o irk
gks½ dh Lo vuqizekf.kr izfrA
4- 1]00]000 dh tula[;k okys ‘kgj esa yhtgksYM@Ýh gksYM dk Hkw[k.M@vkokl
ugh gksus dk Lo ?kks”k.kk i=A
5- lyXu izk:i vuqlkj vk; izek.k i=
6- vkosnd ds cSd a [kkrs dk ,d Cancelled pSd vFkok uohure ikl cqd
dh izfr ftles [kkrk la[;k ,oa cSda ds IFSC dksM ua- gksA
¼[k½ vkjf{kr oxZ ds fy,%&
mi;qDZ r ¼d½ ds vfrfjDr fdlh Hkh vkjf{kr oxZ ds varxZr vkosnu djus okys
vkosndks dks fuEufyf[kr nLrkost izLrqr djus gksaxs A
1- ;fn vkosnd vuqlwfpr tkfr@vuqlwfpr tutkfr ds vkjf{kr oxksZ ls
laca/k j[krk gS] rks mls lacaf/kr {ks= ds ftyk eftLVªsV@lc fMohtuy
eftLVªsV @ rglhynkj@uk;c rglhynkj ls izkIr ewy izek.k i= dh
Lo&vuqizekf.kr izfr izLrqr djuh gksxhA
2- ;fn vkosnd fu%’kDr O;fDr;ksa ds vkjf{kr oxZ ds vUrxZr vkosnu djrk
gS] rks mls ljdkjh vLirky ds esfMdy cksMZ }kjk tkjh fd, x, ewy
izek.k i= dh Lo&vuqizekf.kr izfr izLrqr djuh gksxhA
3- HkwriwoZ lSfudks ds ekeys esa j{kk ea=ky;@l’kL= cyksa ds l{ke izkf/kdkjh
ls izkIr lsok eqfDr izek.k i= dh vuqizekf.kr izfr izLrqr djuh gksxhA
4- ;fn vkosnd ;q) esa ‘kghn gq, lSfudks dh fo/kokvks]a ftlesa mnkjhd`r is’a ku
izkIr djus okyh fo/kok,a Hkh ‘kkfey gS] dh vkjf{kr Js.kh ds vUrxZr
vkrk gS rks mls j{kk ea=ky;@l’kL= cykas@v)ZlSfud cykas }kjk
(9)
 tkjh fd, x, **visf{kr izek.k&i=** dh Lo&vuqizekf.kr izfr izLrqr djuh
gks x hA
5- jkT; ljdkj ds foHkkxksa LFkkuh; fudk;ksa ,oa jktLFkku ljdkj ds jktdh;
midzeks ds deZpkfj;kas dks vius fu;kstd@foHkkxk/;{k dk izek.k i= izLrqr
djuk gksxkA
vkoaVu dh izfØ;k
¼1½ ykVjh ;ksX; Hkw[k.Mks dh la[;k 148 gSA mDr la[;k miyC/krk ds vuqlkj
?kVkbZ&c<kbZ tk ldrh gSA Hkw[k.Mks dk vkoaVu ykWVjh i)fr ds vuqlkj
jktLFkku uxj lq/kkj vf/kfu;e 1959 o jktLFkku uxj lq/kkj ¼’kgjh Hkwfe
fuLrkj.k½ fu;e 1974 ds vUrxZr 99 o”khZ; iV~Vns kjh yht gksYM ds vk/kkj
ij fd;k tkosxkA ykVjh tu lk/kkj.k ds lkeus fudkyh tkosxh ftldh
frfFk dh lwpuk LFkkuh; lekpkj i=ksa esa nh tkosxh] vkSj ykWVjh ds iwoZ
viw.kZ vkosnu i=kas dh lwph U;kl ds lwpuk iV~V ij yxkbZ tkosxhA
vkosndks }kjk viw.kZ vkosnu i=ksa dks fu/kkZfjr frfFk rd iw.kZ ugha djus ij
mUgas ykVjh gsrq v;ksX; ekuk tkosxk ftldh ftEesnkjh U;kl dh ugha gksxhA

¼ 2 ½ vkos n dks ds }kjk iz L rq r lw p uk ds vk/kkj ij Hkh ykW V jh fudkyh tk ldrh

gS A ,s l h fLFkfr es a ;fn ykW V jh fudkyus ds ckn vkos n u i=ks a es a dks b Z deh
vFkok feF;k lw p uk ikbZ tkrh gS rks lQy vkos n dks a dh lw p h ls uke gVkrs
gq , vkoa V u fujLr dj fn;k tk;s x kA vr% vkos n u QkeZ Hkjrs le;
vkos n d fu/kkZ f jr ekin.Mks dh ikyuk lq f uf’pr dj ys a A

¼3½ lQy vkoafVfr;ksa dks ekax ,oa vkoaVu i= iathd`r Mkd ls Hksts tk,sxa sA
rFkkfi Mª k W dk ifj.kke ns [ kus dh iw . kZ ftEes n kjh vkos n d dh gks x hA
vkosnd@vkoafVrh dks eakx ,oa vkoaVu i= nsj ls feyus@ugh feyus ds
fy, uxj fodkl U;kl ftEesnkj ugha gksxkA
( 10 )
 ekaxh xbZ jkf’k ds Hkqxrku dh i)fr%&
¼1½ ykVjh esa lQy vkosndks dks vkoaVu i= tkjh fd, tkosxa As Hkw[k.Mks
dh jkf’k vkoaVu i= ds 30 fnu esa ,d eq’r jkf’k tek djkuh gksxhA rRi’pkr
vkoaVh vxys 60 fnu rd 15 izfr’kr C;kt lfgr vkoaVu i= tkjh djus dh
frfFk ls jkf’k tek djk ldsxkA blds Ik’pkr vkoaVu Lor% fujLr gks tkosxk
rFkk tek ‘kqnk vfxze jkf’k tCr dj yh tkosxhA vkosnu i= ds lkFk tek
djkbZ jkf’k fcuk C;kt ds Hkw[k.M dh jkf’k esa lek;ksftr dj yh tkosxhA ‘ks”k
Hkqxrku ;ksX; jkf’k udn@LFkkuh; pSd@Mh-Mh-@is&vkWMZj ls vkosnu iqfLrdk
esa mYysf[kr cSd
a esa ns; frfFk rd tek djkbZ tk ldsxhA fu/kkZfjr frfFk rd
U;kl [kkrs esa jkf’k tek djkus dk nkf;Ro vkoaVh dk gksxkA Hkw[k.M dh jkf’k
ds lkFk lkbZV Iyku ds :- 200@& vfrfjDr tek djkus gksxa As fnuksa o C;kt
dh x.kuk vkoaVu i= tkjh gksus dh frfFk ls dh tkosxhA

vlQy vkosndksa dh iath;u jkf’k dh okilh%&

1- uxj fodkl U;kl dks nh xbZ iathdj.k jkf’k vkosnd iqfLrdk esa mYysf[kr
cSd
a }kjk tgka vkosnd us vkosnu i= tek fd;k gks] }kjk okil dh tk,xhA
lacaf/kr cSad] vlQy vkosndksa dks /ku okilh ds pSd Hkstus ds fy,
mRrjnk;h gksxkA blesa fdlh izdkj dh gkfu ds ekeys esa ftEesnkjh cSad
}kjk yh tk,xhA ;wvkbZVh ;k cSd
a ;kstuk ds can gksus ds ,d lky ds ckn
jkf’k okilh @ /ku okilh ds pSd dk Hkqxrku u gksus ls lacfa /kr vkosnu
Lohdkj ugha djsxkA
2- tek jkf’k okil izkIr djus ds fy, vkosnd dks vius cSd a [kkrs dk Li”V
:Ik ls mYys[k djuk gksxkA ,dkmaV uEcj ,oa cSad ds fooj.k pSd ij
fpfUgr gksxa As blfy, vkosnd dks /;kuiwoZd ;s fooj.k vkosnu i= esa Hkjus
gksaxsA

( 11 )
 3- ;fn vkosnd us ,d ,sls LFkku@dk;kZy; dk irk fn;k gS] tgka dksfj;j
dk izos’k izfrcaf/kr gS] ogka /kujkf’k okfil djus ds pSd@eakx i= Hkstus
lfgr lHkh i= O;ogkj dksfj;j ds vlQy jgus ij fu/kkZfjr rjhds ls Hksts
tk,axAsa ,sls ekeyks esa vkosnd dks vkosnu iqfLrdk ds vfUre i`”B ij esa
fn, x, cSd a ds uksMy vf/kdkfj;ksa ls lEidZ djus dh lykg nh tkrh gSA
bu ekeyks esa vkosnd@vkoafVrh }kjk i= izkfIr esa nsjh@izkIr ugha gksus ds
fy, ;wvkbZVh@cSad mRrjnk;h ugh gksxkA
fVIi.kh& ;fn vkosnd dh QeZ@daiuh ds [kkrs ls vkosnu ‘kqYd dk Hkqxrku
fd;k tk pqdk gS rks jkf’k okfil djus ds mn~n’s ; ls vkosnd dks vius cSd a
lac/a kh C;ksjs miyC/k djkus gksxa s D;ksfd bu C;kSjksa dks /ku okfilh pSd ij Hkh
fy[kk tk,xkA ;fn [kkrk la[;k vkSj ikus okys dk uke vlaxr gS rks cSad
Hkqxrku ugh djsxk A ,slh fLFkfr ls cpus ds fy, ;g lykg nh tkrh gS fd
vki vkosnu i= Hkjus ls iwoZ bldh iqu% tkap dj ysAa

Hkw[k.Mksa dh jftLVªh%&
vkoaVh }kjk Hkw[k.M dh laiw.kZ cdk;k jkf’k]yht vkfn tek djok dj
iV~Vk foys[k izi= izLrqr djuk gksxk]rn~ijkUr U;kl }kjk iV~Vk foys[k
¼yht MhM½ tkjh fd;k tkosxkA bl iV~Vk foys[k dk iath;u]iath;d eqnzkad
dk;kZy;] esa vkaoVh }kjk djk;k tkosxkA iV~Vk foys[k dk leLr O;; vkaoVa h
}kjk ogu fd;k tkosxkA lQy vkosndksa }kjk Hkw[k.M ij _.k pkgus ij
U;kl }kjk cSad ljdkjh foRrh; laLFkkvks dk vukifRr izek.k&i= izLrqr
djuk gksxk] ijUrq le; ij jkf’k tek djkus dh ftEesnkjh vkoaVh dh gksxhA

Hkw[k.M ij uxjh; dj ¼yht ½

Hkw[k.M ij uxjh; dj fu;ekuqlkj tek djokuk gksxk A
( 12 )
 Hkw[k.M dk dCtk%&
lEiw.kZ jkf'k tek gksus ij 12 ekg ds vUnj yht MhM iath;u Ikzi=
izLrqr ugh djus ij U;kl }kjk #- 2000@& izfr ekg rd 'kkfLr ¼isukYVh½
yxkbZ tkosxhA yht MhM dk iath;u LFkkuh; iath;u dk;kZy; ls djkus ds
ckn nks ekg ds vUnj Hkw[k.M dk dCtk U;kl ds vf/kd`r Hkou fujh{kd@dfu”B
vfHk;Urk }kjk ekSds ij fn;k tkosxkA vkoaVh dCtk i= dk;Zky; ls izkIr djsxa s
vFkok mudks jftLVMZ Mkd ls fHktok;k tkosxkA dCtk i= tkjh djus dh
frfFk ls 15 fnu ds vUnj vkoaVh dks U;kl ds Hkou fujh{kd@dfu”B vfHk;Urk
ls lEidZ djuk gksxk] vU;Fkk dCtk Lor% fy;k gqvk eku fy;k tkosxkA
rRi’pkr U;kl dh dksbZ ftEesnkjh ugha gksxh A lkbV Iyku o ekSds ij dCtk
nsus ij vfrfjDr Hkwfe gksus ij mldk fu;ekuqlkj vfrfjDr jkf’k vkoaVh dks
rqjUr tek djkuh gksxh rFkk Hkw[k.M dkWujZ dk gskus ij Hkw[k.M dh jkf’k dk 10
izfr’kr vfrfjDr jkf’k vkoaVh dks nsuh gksxhA

Hkw[k.M Ikj fuekZ.k dk;Z%&

Hkw[k.M ds vkoaVu frfFk ls 5 o”kZ ds vUnj Hkw[k.M ij Hkou fuekZ.k dk;Z
djuk gksxk A vU;Fkk Hkw[k.M dk vkoaVu fujLr gks tkosxk rFkk vkoaVh dks Hkfo”;
esa fj;k;rh nj ij Hkw[k.M ugha fn;k tkosxkA vkoaVh }kjk vkosnu djus ij fo’ks”k
ifjfLFkfr;ksa es Ua ;kl v/;{k o U;kl e.My fu/kkZfjr jkf’k o C;kt rFkk ‘kkfLr
ysdj fujLr Hkw[k.M dks fu;fer djds Hkw[k.M ij fuekZ.k ds fy, vof/k
fu;ekuqlkj c<k ldrs gSA Hkw[k.M ij fuekZ.k ds fy, U;kl ls fuekZ.k Lohd`fr izkIr
djuh gksxh rFkk izLrkfor fuekZ.k dk UkD’kk Lohd`r djkuk vko’;d gksxkA

( 13 )
Hkw[k.M dk gLrkUrj.k%&
vkoaVu frfFk ls 5 o"kZ rd fdlh Hkh fLFkfr esa Hkw[k.M dk gLrkarj.k
ugh fd;k tk ldsxkA vxj vkoaVh vkoaVu ls 5 o"kZ i'pkr~ fdUrq 10 o"kZ iwoZ
Hkw[k.M gLrkarj.k djrk gS rks ml le; dh izpfyr vkjf{kr nj vFkok
vkoaVu nj nksuksa esa ls tks Hkh vf/kd gks] dh 5 izfr’kr jkf’k tek djokus ij
fu;ekuqlkj vuqefr nh tk ldsxh ijUrq Hkfo”; eas fj;k;rh nj ij Hkw[k.M
izkfIr djus dk vkoaVh dk vf/kdkj lekIr gks tkosxkAvkoafVr ds uke Hkw[k.M
dh jftLVªh gksus ds ckn gh foØ; vuqefr nh tk ldsxhA foØ;@gLrkUrj.k
dh iw o Z k uq e fr U;kl ls iz k Ir dh tkuk vko’;d gS A Hkw [ k.M la c a / kh lHkh
fu;e@fu.kZ; vkoaVh dks ekU; gksaxsA
vU;%&
1- Hkw[k.M dk iquxZBu U;kl dh Lohd`fr ds fcuk ugh fd;k tkosxk vkSj
u gh nks ;k vf/kd Hkw[k.Mks dh ,d bZdkbZ cukbZ tkosxhA
2- jkT; ljdkj ,oa U;kl }kjk le; le; ij tkjh fd, fu;e@la’kks/ku
vkoaVh ij ykxw gksaxsA
3- leLr i=kpkj ,oa Mªk¶V lfpo] uxj fodkl U;kl] dksVk ds uke ls
gks x kA
4- fdlh Hkh fookn dk U;k; {ks= dksVk ‘kgj gksxkA
5- vkoaVh ij jktLFkku uxj lq/kkj U;kl vf/kfu;e 1959 o jktLFkku uxj
lq/kkj ¼’kgjh Hkwfe fu”iknu½ fu;e 1974 ds leLr izko/kku rFkk U;kl
fu.kZ; le; le; ij la’kks/ku ds lkFk ykxw gksxsa A
6- Hkw[k.Mks dh eki@la[;k esa de@T;knk dh tk ldrh gS fo”ke ifjfLFkfr;ksa
esa vkaofVr Hkw[k.M dk dCtk ugh fn, tkus dh fLFkfr es vkosnd }kjk

( 14 )
 tek jkf’k fcuk C;kt ds ykSVkbZ tk ldsxh rFkk ekSds dh fLFkfr ds vuqlkj
Hkw[k.M dk {ks=Qy de ;k vf/kd gks ldrk gS tks fd vkoaVh dks
Lohdkj djuk gksxkA
7- ;fn fdlh vkosnd }kjk xyr lwpuk nsdj rFkk feF;k rF;ksa ds vk/kkj ij
U;kl dks /kks[ks es j[krs gq, Hkw[k.M vkoaVu dk iz;kl fd;k gS vFkok vkoaVu
djk fy;k gS o vkosnu iqfLrdk esa vafdr ‘krkZs dk ikyu ugha fd;k rks ,sls
vkosndks dh tek jkf’k o Hkw[k.M dks tCr dj fy;k tkosxk rFkk vkoaVu
fujLr dj fn;k tkosxk o fu;ekuqlkj dk;Zokgh dh tkosxhA
8- Hkw[k.M vFkok ml ij cus Hkou ij l{ke vf/kdkjh }kjk ykxw fd;s leLr
dj ‘kqYd vkfn dh ftEesnkjh vkoaVh dh gksxhA
9- Hkw[k.M vkoaVu lac/a kh leLr izfØ;k lac/a kh fdlh Hkh fcUnq ij fookn gksus ij
v/;{k] uxj fodkl U;kl] dksVk dk fu.kZ; loZekU; o vafre gksxkA
10- Hkw[k.M ds lkFk vfrfjDr tehu dh jkf’k fu;ekuqlkj U;kl fu.kZ;kuqlkj
vkoaVh dks vfrfjDr tek djkuh gksxh rFkk Hkw[k.M dk {ks=Qy de gksus Ikj
okLrfod eki dh jkf’k gh vkaoVh ls yh tkosxhA
11- ykVjh ds laca/k esa dksbZ Hkh tkudkjh@lwpuk ys[kkf/kdkjh@ofj”B uxj
fu;kstd] uxj fodkl U;kl] dksVk ls izkIr dh tk ldrh gSA
12- vkosnd Hkw[k.Mks dks vkosnu ds iwoZ ekSds ij tkdj ns[k ysaosA
1 3 - vkos n dks ds }kjk iz L rq r lw p uk ds vk/kkj ij Hkh ykW V jh fudkyh tk ldrh
gS A ,s l h fLFkfr es a ;fn ykW V jh fudkyus ds ckn vkos n u i=ks a es a dks b Z deh
vFkok feF;k lw p uk ikbZ tkrh gS rks lQy vkos n dks a dh lw p h ls uke gVkrs
gq , vkoa V u fujLr dj fn;k tk;s x kA vr% vkos n u QkeZ Hkjrs le; vkos n d
fu/kkZ f jr ekin.Mks dh ikyuk lq f uf’pr dj ys a A

( 15 )
 Lo ?kks ” k.kk i= Lo izekf.kr
¼leLr vkosndksa ds fy,½ QksVks

eS a -------------------------------------------------------iq = @ifRu@iq = h -----------------------------------------

--------------------------- vk;q - -------------------fuoklh -----------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------
-----------------------------------------?kks " k.kk djrk@djrh gw W a ] fd

¼1½ ;g fd esjs ;k eq> ij vkfJr ds ikl jktLFkku ds 1]00]000 ls vf/kd vkcknh okys
fdlh dLck@'kgj esa dksbZ iw.kZ vFkok viw.kZ] yht gksYM vFkok Qzh gksYM vkoklh;
Hkw[k.M vFkok edku ugha gS rFkk eSa jktLFkku dk@ dh ewy ¼cksukQkbZM½ fuoklh gwWaA
¼2½ ;g fd vkosnu iqfLrdk dks eSaus /;ku] iwoZd i<+ fy;k gS rFkk eSajs }kjk
vkoaVu iqfLrdk esa fn;s x;s leLr fu;eksa dh ikyuk dh tk;sxhA
¼3½ mDr okafNr izek.k i= fu/kkZfjr vof/k esa izLrqr ugha djus dh fLFkfr esa eq>s vkoafVr
Hkw[k.M fujLr fd;k tk ldsxkA
¼4½ eq>s ;k esjs vkfJr dks ljdkjh@v)Zljdkjh laLFkk dh fdlh Hkh ;kstuk esa fj;k;rh
nj ij vkoafVr vkokl@Hkw[k.M dks 10 o”kZ iwoZ cspku ugha fd;k x;k gS

vkosnd@la;qDr vkosnd ds gLrk{kj

?kks”k.kk
eSa --------------------------------------------------------- iq=@ifRu@iq=h Jh ---------------------------------------------------
?kks"k.kk djrk@djrh gw¡] fd mi;qZDr lwpuk esjh tkudkjh vkSj fo'okl ds vuqlkj lgh gS ,oa
esjs }kjk dksbZ rF; ugha Nqik;k x;k gSA bl rF; ls okfdQ gwW fd vxj esjs }kjk nh xbZ
lwpuk xyr ikbZ tkrh gS rks esjs fo:) dkuwuh dk;Zokgh dh tkosxh rFkk bl ;kstukUrxZr
fd;s x;s vkokl dk vkoaVu jn~n dj fn;k tk;sxkA

vkosnd@la;qDr vkosnd ds gLrk{kj

( 16 )
 vk; lac
a /a kh Lo ?kks”k.kk i=
¼xS j os r u Hkks x h@futh O;olk;@futh os r u Hkks x h vkos n dks a ds fy,½
;g iz e kf.kr fd;k tkrk gS fd Jh@Jherh@lq J h -----------------------------------------------------------------
iq = @iq = h@ifRu Jh ---------------------------------------------------------------tkfr ----------------------------------------------------
fuoklh-------------------------------------------------------------------------------------------------------------------------------------------------
rglhy---------------------------------------------------------------------------ftyk-------------------------------------------------------------
jkT; ---------------------------------dh Loa ; dh ldy ekfld vk; :0----------------------------------------------------------
--------------- iz f rekg gS a A

?kks”k.kkdrkZ ds gLrk{kj
?kks”k.kk
eS a ------------------------------------------------------------ iq = @ifRu@iq = h Jh ----------------------------
------------------------ ?kks”k.kk djrk@djrh gw¡] fd mi;qZDr lwpuk esjh tkudkjh vkSj fo’okl
ds vuqlkj lgh gS ,oa esjs }kjk dksbZ rF; ugha Nqik;k x;k gSA bl rF; ls okfdQ gwW fd
vxj esjs }kjk nh xbZ lwpuk xyr ikbZ tkrh gS rks esjs fo:) dkuwuh dk;Zokgh dh tkosxh
rFkk bl ;kstukUrxZr fd;s x;s vkokl dk vkoaVu jn~n dj fn;k tk;sxkA
vkosnd@la;qDr vkosnd ds gLrk{kj

ik=rk gsrq fu/kkZfjr vk; lhek

Ø- ik=rk gsrq vk; oxZ
{ks.kh
l- ¼jkf’k :- iz-ekg½

1- EWS 10000 rd
2- LIG 10001 ls 15000
3- MIG (i) 15001 ls 30000
4- MIG (ii) 15001 ls 30000
5- MIG A 30001 ls 45000
6- MIG B 45001 ls 65000
7- HIG 65001 ls vf/kd

( 17 )
 lSfud dksVs ds vUrxZr vkjf{kr Hkw[k.Mksa gsrq Lo ?kks”k.kk i=
eSa ------------------------------------------------------------------ iq=@ifRu@iq=h -------------------------------------------------------------
vk;q--------------------------------------------------fuoklh----------------------------------------------------------------------------------------------
------------------------------------------?kks”k.kk djrk@djrh gwWa] fd%&
¼1½ ;g fd mDr vkoklh; ;kstuk esa lSfud dksVs ls vkjf{kr Hkw[k.M gsrq ,d ek= eSa gh
vkosnu dj jgk gwWaA ifjokj ds fdlh vU; lnL; us mDr vkjf{kr dksVs ls Hkw[k.M
vkoaVu gsrq vkosnu ugha fd;k gSA
¼2½ ;g fd esjs firk@ifr@ifRu lSfud Fks] ftudh e`R;q gks pqdh gSA muds vk/kkj ij
vkjf{kr dksVs ls esjs vfrfjDr ifjokj ds fdlh Hkh lnL; us vkjf{kr dksVs esa
Hkw[k.M vkoaVu gsrq vkosnu ugha fd;k gS rFkk u gh esjs Lo0 firk@ifr@ifRu
Jh@Jherh@-------------------------------------------------- us ,oe~ gekjs ifjokj ds fdlh lnL; us
lSfud dksVs esa vkt rd vkjf{kr Hkw[k.Mksa esa ls dksbZ Hkw[k.M vkoafVr djk;k gSA

vkosnd@la;qDr vkosnd ds gLrk{kj

?kks”k.kk

eS a -------------------------------------------------- iq=@ifRu@iq=h Jh -----------------------------------------

--------- ?kks”k.kk djrk@djrh gw¡] fd mi;qZDr lwpuk esjh tkudkjh vkSj fo’okl ds vuqlkj
lgh gS ,oa esjs }kjk dksbZ rF; ugha Nqik;k x;k gSA bl rF; ls okfdQ gwW fd vxj esjs }kjk
nh xbZ lwpuk xyr ikbZ tkrh gS rks esjs fo:) dkuwuh dk;Zokgh dh tkosxh rFkk bl
;kstukUrxZr fd;s x;s vkokl dk vkoaVu jn~n dj fn;k tk;sxkA
vkosnd@la;qDr vkosnd ds gLrk{kj

( 18 )
 fodykax izek.k&i=
;g iz e kf.kr fd;k tkrk gS fd Jh@Jherh@lq J h --------------------------------------------------------
iq = @iq = h@ifRu Jh ------------------------------------------------- fuoklh----------------------------------------------------------
---------------------------------------------------------------------------------------------------------------------------------------------------------------
dh es j s }kjk fpfdRldh; tka p dh x;h rFkk ;s ‘kkjhfjd :i ls via x gS a A

LFkku % izkf/kd`r fpfdRlk vf/kdkjh

fnukad % ds gLrk{kj e; eksgj

vf/kLohd`r i=dkjksa ds fy, izek.k&i=

;g iz e kf.kr fd;k tkrk gS fd Jh@Jherh@lq J h ----------------------------------------------------------

iq = @iq = h@ifRu Jh ----------------------------------------------------------------fuoklh---------------------------------------------
-------------------------------------------------------------------------------------------------------rglhy ----------------------------------------
ftyk ----------------------------------------------------- vf/kLohd` r i=dkj gS A

LFkku % funs ’ kd lw p uk ,oa tulEidZ @ iz k f/kd` r

fnuka d % vf/kdkjh ds gLrk{kj e; eks g j

( 19 )
 vk; izek.k&i= ¼osru Hkksxh vkosndksa ds fy,½

;g iz e kf.kr fd;k tkrk gS fd Jh@Jherh@lq J h ----------------------------------------------------------------

iq = @iq = h@ifRu Jh ------------------------------------------------ bl foHkkx es a -----------------------------------------------
in ij dk;Z j r gS a ,oa ;s jktLFkku ljdkj vFkok jktLFkku ljdkj ds midz e dh fu;fer
deZ p kjh gS a A budh ldy ekfld vk; :0 ------------------------------------------------------------------- iz f r ekg gS A

foHkkxk/;{k@dk;kZ y ;k/;{k
fnukad % ds gLrk{kj e; eks g j
LFkku % foHkkx@miØe dk uke

( 20 )
 Øekad
iath;u jkf’k tek djus dh vfUre frfFk %& 23 ekpZ 2018 uohure
vkosnu i= lR;kfir
QksVks
jkekuUnkpk;Z uxj vkoklh; ;kstuk
1- vkos n d@la ; q D r vkos n d dk uke % -----------------------------------------------------------------------------------------------------------------
2- vkos n d ds firk@ifr dk uke % --------------------------------------------------------------------------------------------------------------------
3- vkos n d dk LFkkbZ irk--------------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------eks c kbZ y @Vs f yQks u ua -------------------------
4- cSad [kkrk la[;k------------------------------------------------------------cSad dk uke -------------------IFSC Code...................
LFkk;h [kkrk la[;k (PAN NUMBER)....................................... ¼EWS ,oe~ LIG ds NksMd + j½
5- vk/kkj dkMZ ua - -----------------------------------------------------------------------------------------
6- vkosnd dk O;olk; ;k ukSdjh D;k gSa ¼dks”Bd esa fy[ks½
7- vkosnd fuEu ls ftl oxZ esa Hkw[k.M pkgrk gS ml oxZ dks dks”Bd esa fy[ksa
,l-lh- @ ,l-Vh- @ lSfud] HkwriwoZ lSfud ¼fu;ekuqlkj½ @jkT; vFkok v}Z jkT; ljdkj ds deZpkjh
@ vf/kLohd`r i=dkj @ ‘kkjhfjd fu%’kDrtu @ lkekU;
¼dksbZ Hkh oxZ dks”Bd esa vafdr ugh djus dh fLFkfr esa vkosnu lkekU; oxZ esa ekuk tkosxkA
8- vkosfnr Hkw[k.M dk fooj.k Js.kh d`i;k lgh ¼ ½ dk fpUg vafdr djsAa
EWS LIG MIG (i) MIG (ii) MIGA
MIG B HIG
9- iath;u jkf’k tek dk fooj.k %&
¼1½ pkyku ua - ------------------------------------ ¼2½ fnukad ----------------------------------
¼3½ jkf’k ---------------------------------------------- ¼4½ Mh Mh ua - ----------------------------------------------------
10- vkosnu i= ds lkFk layXu izek.k i= d`i;k lgh ¼ ½ dk fpUg vafdr djsAa %&
PAN CARD D.D. Cancelled Cheque CTS 2010 vk; izek.k i= vkjf{kr oxZ dk izek.k i=
@ikl cqd dh izfr
fuokl izek.k i= 1]00]000 dh tula[;k esa vkokl@Hkw[k.M ugha gksus dk ‘kiFk i=
11- eSus vkosnu i= foojf.kdk dk /;ku iwod Z v/;;u dj fy;k gS rFkk le> fy;k gS] eq>s of.kZr ‘krsZ Lohdkj gSA
12- feF;k rF;ksa ds vk/kkj ij izkIr fd;k Hkw[k.M@vkokl dk vkoaVu fdlh Hkh le; fujLr dj U;kl
}kjk jkf’k tCr dh tk ldsxh o fu;ekuqlkj dkuwuh dk;Zokgh dh tk ldsxhA
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fy, eSa viuh lgefr O;Dr djrk gw¡A
14- vkosnu gsrq izLrqr lHkh lwpuk,sa lgh o izekf.kr gSaA
fnukad % LFkku % vkosnd@la;qDr ds gLrk{kj

izkFkhZ }kjk Hkjk tkuk pkfg;s vkosnu i= izkfIr jlhn % Øeka d

uke o irk jkekuUnkpk;Z uxj vkoklh; ;kstuk
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