G[SBD DBRGFMGF SGEG AI[FI[ QIUB@

J`bn Db`jopjd 5<

 Fi Djogfm Uri Gstifi (793=2173=8)

Ebwg Gyu Srgeifg [grgswgti (793=2173=>)

@i`i Lgygfti (793=2173>3)

OGFGLBOBF

HGDR@UG[ BDJFJOI EGF AI[FI[

RFIXBQ[IUG[ REGYGFG

1379/1313
 

DGUG SBFMGFUGQ

Suli syudur dgoi ukgpdgf dbngeirgt Uungf Ygfm Ogng Bsg, dgrbfg gtgs abrdgt egf dgrufig-
 Fyg dgoi egpgt
egp gt obfyb`bsgidgf pgpbr ‐Djopbfsgsi‟ sbsugi ebfmgf wgdtu ygfm tb`gn eitbftudgf.

Sgpbr ifi obrupgdgf pgpbr Sbfmgftgr Ogfglbobf [uoabr Egyg Ogfusig ygfm sbkgrg dnusus
 pboagngsgf eg`go pgpbr ifi eigtur sbeboidigf rupg sbnifmmg ogtbri ygfm eisgopgidgf egpgt
eiobfmbrti egf eipgngoi j`bn pgrg pboagkgfyg.

Sgpbr ifi eiaugt uftud obobfuni sg`gn sgtu tumgs ogtg du`ign Ogfglbobf [uoabr Egyg
Ogfusig sbdg`imus obflgei agngf eisdusi db`jopjd egf obopbreg`go ogftbri. Ebfmgf
eiaioaifm j`bn ejsbf Ogfglbobf [uoabr Egyg Ogfusig ygitu Ers. Djogfm Gregfg, OO. Dgoi
tb`gn abrusgng uftud obfyusuf pgpbr ifi sbagid oufmdif, fgouf dgoi obfygegri agnwg
 pbfu`isgf pgpbr ifi ogsin lgun egri sbopurfg eidgrbfgdgf dbtbragtgsgf ygfm dgoi pufyg sbagmgi

ogngsiswg ygfm ogsin eg`go prjsbs pboab`glgrgf. J`bn dgrbfg itu, dgoi obfmngrgpdgf dritid
egf sgrgf ygfm sihgtfyg oboagfmuf eboi pbragidgf pbfbraitgf pgpbr ifi ei ogsg obfegtgfm.
Ngrgpgf dgoi, sbojmg pgpbr ygfm sbebrngfg ifi egpgt oboabri pbfmbtgnugf sbrtg i`ou sbagmgi
 pboab`glgrgf agmi pgrg pboagkgfyg.

Ageufm, 73 Jdtjabr 1313

i
 

EGHUGQ I[I

DGUG SBFMGFUGQ .......................................

....................................................................................
............................................. i

EGHUGQ I[I .............................................

..............................................................................................
....................................................
... ii

AGA I SBFEGNR@RGF .................................................

............................................................................
........................... 7

7.7. @gtgr Ab`gdgfm .............................................................................

............................................................................. 7

7.1. Quousgf Ogsg`gn ........................................................................

........................................................................ 7

7.;. Uulugf Sbfu`isgf ......................................................................... 7

AGA II SBOAGNG[GF ............................................

...............................................................................
................................... 1

1.7 Sbrbfkgfggf Dbugfmgf Qitb` ............................................................

........................................................... 1

1.1 Ojeb` Dbugfmgf [trgtbmis ...............................................................

.............................................................. 2

1.; Ifeidgtjr Dbugfmgf Eg`go Qitb` ...................................................... =

1.5 Gspbd Dbugfmgf [bagmgi G`gt Djftrj` Eg`go Qitb` .......................

 ..........................
... =

AGA III SBFRURS ...................................

....................................................................................
....................................................
... 9

;.7 Dbsiopu`gf ...................................................................................

................................................................................... 9

;.1 [grgf ..............

.................................................................
..............................................................................
........................... 9
EGHUGQ SR[UGDG .......
........................................................
...........................................................................
.......................... 73

ii
 

AGA I
SBFEGNR@RGF

7.7 @gtgr Ab`gdgfm
Aisfis ritb` obrupgdgf sugtu usgng obfyg`urdgf abragmgi prjeud dbpgeg djfsuobf
uftud ei djfsuosi sbfeiri. Aisfis ritb` obrupgdgf aisfis ygfm sgfmgt obflgflidgf sbirifm
obfifmdgtfyg dbautungf djfsuobf, uftud itu agfygd pb`gdu aisfis ou`gi abr`joag eg`go
obfifmdgtdgf strgtbmi pbflug`gffyg. Agfygd mbrgi oifiogrdbt ygfm tbrai`gfm obfmugsgi
 pgsgr egf
e gf ogopu obrgoagn db sb`urun fusgftgrg, agndgf agfygd pbrusgnggf ritb` ygfm
tbrus ob`gdudgf bdspgfsi pgeg egbrgn-egbrgn pjtbfsig` ei pb`jsjd fbmbri.
Sbrdboagfmgf ritb` gtgu pgsgr bkbrgf ygfm abmitu pbsgt, abregopgd sbogdif tifmmifyg
 pbrsgifmgf obopbrbautdgf pgfmsg
pgfmsg pgsgr pgeg eufig usgng sggt ifi. Sbrusgnggf ygfm ifm
ifmif
if
 abrngsi` eg`go pbrsgifmgf pgeg brg oi``bfiuo ngrus oboi`idi strgtbmi egf pbrbfkgfggf
 pbrusgnggf ygfm agid, sg`gn sgtufyg egri gspbd pbrbfkgfggf dbugfmgf pgeg aisfis ritb`,
ojeb` dbugfmgf pgeg aisfis ritb`, ifeidgtjr dbugfmgf pgeg aisfis ritb` egf gspbd dbugfmgf
sbagmgi g`gt kjftrj` eg`go ritb`.

7.1 Quousgf Ogsg`gn
Quousgf ogsg`gn egri pgpbr ifi geg`gn<
7.  Agmgiogfg kgrg ob`gdudgf pbrbfkgfggf dbugfmgf eg`go aisfis ritb`:
1.  Obfmgpg pbrbfkgfggf dbugfmgf itu pbftifm ei`gdudgf:

;.  Agmgiogfg ojeb` dbugfmgf pgeg aisfis ritb`:

5.  Agmgiogfg gspbd dbugfmgf egpgt obflgei g`gt kjftrj` eg`go aisfis ritb`:

7.; Uulugf Sbfu`isgf
Uulugf pbfu`isgf egri pgpbr ifi geg`gn<
7.  Rftud obfmbtgnui kgrg obrbfkgfgdgf dbugfmgf eg`go aisfis ritb`
1.  Rftud obfmbtgnui obfmgpg pbrbfkgfggf dbugfmgf itu pbftifm ei`gdudgf
;.  Rftud obfmbtgnui ojeb` dbugfmgf pgeg aisfis ritb`

5.  Rftud obfmbtgnui agmgiogfg gspbd dbugfmgf egpgt obflgei g`gt kjftrj` eg`go aisfis
ritb`
 7

AGA II
SBFOAGNG[GF

 
1.7 Sbrbfkgfggf Dbugfmgf
Dbtidg ritb` Qitb` strudtur jrmgfisgsi abftud jrmgfisgsi egf pbrbfkgfggf
oboutusdgf
ogfglbobf suoabr egyg ogfusigfyg, ogdg ritb` ngrus obfmdjfsbftrgsidgf eiri pgeg
ogsg`gn ogfglbobf jpbrgsijfg`
jpbrgsijfg` ritb`. Bhisibfsi egf bhbdtihitgs ogfglbobf ritb` gdgf sgfmgt
oboagftu dbailgdgf egf dbputusgf ygfm eigoai` j`bn ritb` eg`go obougsdgf agfygd
 pingd ygitu pb`gfmmgf, dgrygwgf,
dgrygwgf, ogfglbobf, pboi`id ojeg`.
Obtjeb eg`go obflg`gfdgf jpbrgsijfg` aisfis ritb` gdgf abregopgd pgeg pbflug`gf egf
gdnirfyg abrpbfmgrun tbrngegp dbuftufmgf ygfm
ygfm eipbrj`bn pbrusgnggf ritb`. J`bn dgrbfg
itu dbputusgf ei aiegfm dbugfmgf lumg obrupgdgf ng` ygfm pbftifm eg`go aisfis ifi.
Dbputusgf dbugfmgf geg`gn djopjfbf iftbmrg` pgeg
pgeg sbtigp gspbd strgtbmi ritb`. Sgeg aga
ifi, eieisdusidgf agmgiogfg obfmboagfmdgf strgtbmi uftud obfmboagfmdgf strgtbmi
uftud abrsgifm egf ob`ingt sgrgfg dbugfmgf ygfm eimufgdgf uftud obfmudur egf
obfmbvg`ugsi pbfmb`j`ggf difbrlg sbkgrg dbsb`urungf.
Sbrbfkgfggf egf dbugfmgf sgyg pbridsgdgf prjybdsi-prjybdsi abregsgrdgf stgfegr egf
 pbrdboagfmgf egri uopgf ag`id egf prjsbs uftud obopbragidi prbstgsi dbrlg.
Sbrbfkgfggf dbugfmgf obfkgdup pbflug`gf, `gag, egf gdtivg ygfm eiegsgrdgf pgeg strgtbmi
 prjeudsi egf pbogsgrgf uftud dboueigf agmgiogfg obfmgtur dbautungffyg.

Sbrbfkgfggf Dbugfmgf geg`gn prjsbs egri<

7. Obfmgfg`isis pbrusgnggf egf pi`ingf ifvbstgsi ygfm tbraudg agmi pbrusgnggf.
1. Oboprjybdsidgf grus ogsg ygfm gdgf egtgfm gdiagt dbputusgf ifi, mufg obfmniegri
ng`-ng` ygfm tiegd tbreumg egf nuaufmgf gftgrg dbputusgf sggt ifi egf ogsg ygfm gdgf
egtgfm.
;. Obfbftudgf g`tbrfgtih ogfg ygfm gdgf eipi`in
5. Obfmudur ngsi` sb`gflutfyg tbrngegp tulugf tulugf dbugfmgf
❘  Sbflug`gf abrsin
 Sbogngogf pbflug`gf abrsin (fbt sg`bs) egpgt eidbtgnui egri luo`gn tj`g` rupign ygfm
eitbriog j`bn ritb` sbtb`gn eidurgfmi sboug pboagygrgf dboag`i pgeg djfsuobf uftud
 agrgfm-agrgfm ygfm eidboag`idgf.
Sbflug`gf abrsin ? Luo`gn pbflug`gf djtjr  ‛   Qbtur pbflug`gf  ‛   Sjtjfmgf
pbflug`gf

Qbtur pbflug`gf (sg`bs rbturf) obwgdi`i fi`gi agrgfm-agrgfm ygfm eidboag`idgf

djfsuobf dgrbfg agrgfm-agrgfmfyg rusgd, tiegd sbsugi, egf sbagmgifyg. Sbflug`gf
 abrsin obrupgdgf udurgf pbfmb`j`ggf ygfm pbftifm eg`go aisfis ritb` dgrbfg pbflug`gf
 abrsin obfufluddgf tifmdgt dbmigtgf
dbmigtgf egri agrgfm egmgfmgf.
❘  Ogrmif `gag djtjr
Ogrmif `gag djtjr (mrjss prjhit ogrmif) geg`gn udurgf pbftifm eg`go aifis ritb`. Abridut
geg`gn kgrg obfmnitufmfyg<
Ogrmif `gag djtjr ? Sbflug`gf abrsin  ‛  Ngrmg
 Ngrmg pjdjd pbflug`gf
Ogrmif `gag djtjr lumg eipbrj`bn egri pbrsbftgsb pbflug`gf abrsin sbnifmmg ritb` egpgt
oboagfeifmdgf (7) pbfmb`j`ggf egri abragmgi tipb agrgfm (gftgr db`jopjd agrgfm
egmgfmgf) egf (1) pbfmb`j`ggf agrgfm egri sgtu rib` eiagfeifmdgf ebfmgf pbfmb`j`ggf
ritb`-ritb` `gif.
❘  Abagf
Abagf (bxpbfsbs) geg`gn aigyg ygfm tbrlgei eg`go gdtivitgs fjrog` ygfm ei`gdudgf
eg`go aisfis uftud obfegpgtdgf pbfmngsi`gf. Ababrgpg abagf egpgt eidgtbmjridgf
sbagmgi abridut<
Abagf pbflug`gf ? Mgli stgh pbflug`gf + Djoisi + Ogfhggt
Abagf uouo ? [bwg + Rti`itgs + Abagf `gif-`gif
Abagf geoifistrgsi ? Mglj sboug dgrygwgf sb`gif tbfgmg pbflug`gf + Abagf

jpbrgsi dgftjr + Geoifistrgsi abagf pboab`igf `gif

[begfmdgf abagf jpbrgsi (jpbrgtifm bxpbfsbs) geg`gn aigyg-aigyg ygfm eidb`ugrdgf
eg`go obflg`gfdgf aisfis uftud obopbrj`bn pbfegpgtgf. [gtu dgtbmjri aigyg
 pbfmb`ugrgf geg`gn aigyg aigyg pbfmjpbrgsigf.
pbfmjpbrgsigf. Dbeug geg`gn aigyg ojeg`, ygitu a
aigyg
igyg
uftud sbmg`g ifvbftgris sgopgi pboab`igf `jdgsi tjdj agru.
❘  Dbuftufmgf Abrsin
 Dbuftufmgf abrsin (fbt prjhit) geg`gn udurgf pbfmb`j`ggf pbrusgnggf dbsb`urunga.
Dbuftufmgf abrsin egpgt eipbrj`bn sbab`uo gtgu sbsuegn pglgd.
 ‛ 
Dbuftufmgf abrsin ? Ogrmif djtjr  Abagf
➡  G`ur Sbrputgrgf

Ifhjrogsi ygfm egpgt eimufgdgf uftud obfmgfg`isis g`ur pbrputgrgf (turfjvbr pgtn)
 pbrusgnggf geg`gn pjs-pjs ygfm abrgsg` egri fbrgkg sg`ej, sbpbrti gssbt, dbwgliagf, egf
sbagmgifyg.
Gsbt gtgu gdtivg (gssbt) geg`gn suoabr-suoabr bdjfjoi (sbpbrti ifvbftgris gtgu
 pbr`bfmdgpgfpbr`bfmdgpgf tjdj) ygfm eioi`idi gtgu eidjftrj`
eidjftrj` j`bn pbrusgnggf sbagmgi

ngsi` trgfsgdsi gtgu pbristiwg, sbegfmdgf dbwgliagf (`igai`itibs) geg`gn sbmg`g

dbwgliagf pbrusgnggf uftud oboagygr tufgi gtgu suoabr-suoabr bdjfjoi `gif
sbagmgi ngsi` egri dbuftufmgf-dbuftufmgf ogsg `g`u, sbdgrgfm, gtgu dbuftufmgf ogsg
ebpgf.
❘  Gdtivg @gfkgr
Gdtivg @gfkgr (kurrbft gssbts) geg`gn gssbt-gsbt ygfm aigs eiuagn obflgei ugfm eg`go
wgdtu sgtu tgnuf.
Siutgfm usgng + Sbrsbeiggf agrgfm egmgfmgf + Gdtivg `gfkgr `gif + Dgs ? Gdtivg
@gfkgr
❘  Siutgfm Rsgng

Siutgfm usgng (gkkjuft rbkbivga`b) ifi pbftifm agmi ababrgpg ritb`. Kjftjn, ifvbstgsi
]g`-Ogrt pgeg ugfm ygfm eitbriog lgun `bain dbki` egri pgeg Uihhgfy dgrbfg
dbkbfebrufmgf ygfm tifmmi egri djfsuobf ]g`-Ogrt uftud oboagygr tufgi gtgu
obfmmufgdgf dgrtu drbeit pingd dbtimg, sbpbrti Xisg gtgu OgstbrKgre.
❘  Sbrsbeiggf Agrgfm Egmgfmgf
Sbrsbeiggf agrgfm egmgfmgf (obrkngfeisb ifvbftjry) geg`gn suoabr nieup ritb`.
[bagmgi kjftjn, pbrsbeiggf obfkgdup dirg-dirg 1=,73 % egri tjtg` gssbt ]g`-Ogrt egf
;=,2;% egri tjtg` gssbt Uihhgfy. Obsdipuf eboidigf, tbregpgt pbfmbkug`igf ygitu pgeg

ritb`-ritb` `gygfgf sbpbrti njtb`, sg`jf dbkgftidgf, egf `gif-`gif ygfm aigsgfyg tiegd
oboi`idi gtgu ngfyg oboi`idi sbeidit pbrsbeiggf agrgfm.
❘  Dgs egf Gdtivg @gfkgr @giffyg
Dgs tbreiri gtgs ugfm tufgi, siogpgfgf egf rbdbfifm ei agfd, surgt-surgt abrngrmg ygfm
 egpgt eipbrlug`ab`idgf, egf piutgfm usgng, sbegfmdgf gdtivg `gfkgr `giffyg ob`iputi
 abragmgi pbfmb`ugrgf ogupuf jfmdjs
jfmdjs dirio ygfm ab`uo eiagygrdg
eiagygrdgf
f j`bn pb`gfmmgf.
❘  Gdtivg Ubtgp
Gssbt-sgsbt tbtgp (hixbe gssbts) geg`gn gssbt ygfm oboautundgf wgdtu `bain egri sgtu
tgnuf uftud obfmuagnfyg obflgei tufgi. Eg`go aisfis ritb`, gdtivg tbtgp aigsgfyg
tbreiri gtgs agfmufgf, pbrgajtgf, egf pbrg`gtgf.
Gdtivg tbtgp ? aigyg pbrj`bgf gdtivg  ‛  ebprbsigsi
 ebprbsigsi

❘  Sbrputgrgf Gdtivg

Sbrputgrgf gdtivg (gssbt turfjvbr) geg`gn udurgf pbfmb`j`ggf dbsb`urungf egri agmigf
gssbt pgeg fbrgkg sg`ej.
sg` ej. Sbrputgrgf gdtivg ifi egpgt eimufgdgf uftud obfmbvg`ugsi egf
oboagfeifmdgf sbabrgpg bhbdtih pgrg ogfglbr obfmmufgdgf gssbt-gsbtfyg.

❘  Dbwgliagf egf Bduitgs Sboi`id

Dbwgliagf `gfkgr (kurrbft `igai`itibs) geg`gn utgfm-utgfm ygfm eingrgpdgf eiagygr

 pg`ifm tiegd eg`go lgfmdg wgdtu sgtu tgnuf. Dbwgliagf ygfm pg`ifm pbftifm geg`gn
utgfm egmgfm, wbsb` agygr, egf utgfmutgfm `giffyg.
j  Rtgfm egmgfm geg`gn tgmingf ygfm tbrutgfm dbpgeg pbogsjd uftud pboab`igf
 agrgfm egmgfmgf.
j  ]bsb` agygr geg`gn aufmg ygfm eipiflgo ritb` pgeg agfd ygfm ob`baini tgfmmg`
egf egpgt eiagygr durgfm egri sgtu tgnuf.
j  Rtgfm-utgfm `giffyg tbrogsud utgfm pglgd, utgfm mgli, sbwg, pbogdgigf, egf
dbwgliagfdbwgliagf `gif ygfm ab`uo tbragygrdgf.
j  Dbwgliagf lgfmdg pgflgfm geg`gn utgfm?utgfm ygfm gdgf eiagygr sbtb`gn sgtu
 tgnuf.
j  Ngd pboi`id, lumg eisbaut ngd pgrg pbobmgfm sgngo, obwgdi`i sbluo`gn gssbt
 pboi`id pbrusgnggf ritb` sbtb`gn sboug dbwgliagf tbrpbfuni. Eg`go istig`n
gdiftgfsi, nuaufmgf tbrsbaut egpgt eipbrj`bn ebfmgf kgrg<
Ngd pgrg pboi`id ? Ujtg` gdtivg  ‛  Ujtg`
 Ujtg` Dbwgliagf
Ebfmgf eboidigf, pj`g dbuftufmgf strgtbmis obfmgaufmdgf eug rgsij pbfmb`j`ggf egri
ngsi` pbfegpgtgf egf fbrgkg sg`ej4agtgs dbuftufmgf abrsin egf ngsi` gssbt. Ebfmgf
obfmg`idgf pbragfeifmgf ifi aabrsgoggf, gdgf eipbr`bn pbfmboag`igf gtgs gdtivg
(rbturf jf gssbts) `ingt mgoagr abridut<

1.1 Ojeb` Dbugfmgf [trgtbmis

[btigp ritb` obfmifmifdgf dbsudsbsgf eg`go ng` dbugfmgf. [g`gn sgtu tulugf dbugfmgf
ygfm pbftifm geg`gn uftud obfkgpgi ioag` ngsi` gtgs gssbt (rbturf jf gssbt  ‛  QJG)
  QJG) ygfm
tifmmi. Kjftjnfyg, sbaugn pbrusgnggf ritb` m`jag` obfmifvbstgsidgf Qp. 7=5 oi`igr eg`go
oboagfmuf tjdjfyg egf oboab`i agrgfm-agrgfm egmgfmgf ygfm eisigpdgf uftud eilug`.

Ei gdnir tgnuf, pbrusgnggf ritb` tbrsbaut obrgup dbuftufmgf sbabsgr Qp. ;; oi`igr, ygfm
 abrgrti obfyuoagfmdgf ngsi` sbabsgr 79 % eiagfeifmdgf ebfmgf ifvbstgsifyg (Qp. ;;
oi`igr < Qp. 7=5 oi`igr). Quous pbrnitufmgf QJG geg`gn sbagmgi abridut<  

QJG egpgt eiagmi obflgei eug, ygitu g`ur `gag (prjhit pgtn) ygfm eiudur j`bn ogrmif `gag
 abrsin egf g`ur pbrputgrgf `gag ygfm eidudur
eidudur j`bn pbrputgrgf gssbt.

Ogrmif `gag abrsin (fbt prjhit ogrmif) geg`gn sbabrgpg absgr dbuftufmgf (sbtb`gn pglgd)
ygfm eiegpgt pbrusgnggf eiagmi pbflug`gf abrsinfyg. [begfmdgf pbrputgrgf gsbt (gssbt
turfjvbr) egpgt lumg eimufgdgf uftud obfmudur prjeudtivitgs gsbt ygfm eiifvbstgsidgf
eg`go pbrusgnggf, aigsgfyg einitufm ebfmgf oboagmi `gag abrsin ebfmgf tjtg` gsbt.
[begfmdgf rbturf jf gssbt egpgt eipbrj`bn egri ruousgf ei agwgn ifi<
 [g`gn sgtu kgrg uftud obflb`gsdgf dbabrngsi`gf dbugfmgf eg`go `ifmdup aisfis ritb`
geg`gn ebfmgf oboabri pgrg pboi`id ojeg` pbrusgnggf ngsi`
n gsi` gtgu pbfmboag`igf ygfm agid
gtgs ifvbstgsi obrbdg. Obsdipuf ritb` obfmblgr tulugf dbugfmgf ygfm sgog, ritb` egpgt
obfmmufgdgf strgtbmi ygfm abrabeg eg`go obfkgpgi dbuftufmgf tbrsbaut.

Sbflug`gf Abrsin

Ogrmif Djtjr
Ngrmg Sjdjd
Sbf ug`gf @gag Abrsin
sbab`uo g gd
sbab`uo
@gag abrsin
sbtb`gn g gd
sbtb`gn Ogrmif @gag
Abagf Jpbrgsi
Abrsin
Sglgd
Abagf Ujtg`
Sbflug`gf Abrsin
Abagf Aufmg

J
Siutgf Rsgng
G
 Gdtivg @gfkgr
Ujtg`
Sbrsbeiggf
Agrgf eg gf gf
 Gdtivg Ujtg`
Sbrputgrgf Gdtivg
Dgs
Sbflug`gf Abrsin
 Gdtivg Ubtg4p
 Gdtivg @gfkgr `gif

Sj`g Dbuftufmgf [trgtbmis Sj`g dbuftufmgf strgtbmis sgfmgt abrmufg agmi ritb` dgrbfg pj`g
ifi obfmmgaufmdgf eug agmigf pbfmgoai`gf dbputusgf  ‛   ogfglbobf pboagtgsgf egf
ogfglbobf gssbt sbnifmmg pgrg ogfglbr egpgt obfiflgu nuaufmgf gftgr ogfglbobf
tbrsbaut. Sj`g dbuftufmgf strgtbmis lumg egpgt eimufgdgf uftud obfmbvg`ugsi egopgd
dbugfmgf egri strgtbmi agru sbab`uo strgtbmi-strgtbmi tbrsbaut ei`gdsgfgdgf.

1.; Ifeidgtjr Dbugfmgf Eg`go Qitb`

Ubregpgt ababrgpg ifeikgtjr ygfm egpgt eimugfdgf eg`go obfmudur difbrlg dbugfmgf
eg`go aifis ritb` gftgrg `gif<
7.  Ogrmif djtjr
• Sbrsbftgsb ogrmif djtjr
 •  Gfg`isi pbr dgtbmjri

•  Ogrdejwf/ dbrusgdgf

•  Sbrsbeiggf agrgfm

•  Ogrmif djtjr pbr obtbr pbrsbmi (o 1 )

1.  Aigyg Jpbrsijfg` tjdj sbagmgi pbrsbftgsb pbflug`gf

•  Mgli< prjeudtivitgs pbr dgrygwgf

•  Aigyg sbwg

•  Ebprbsigsi

•  @istrid

•  Ujtg` Aigyg jpbrgsi tjdj

;.  Ogrmif djftriausi
•  [b`isin gftgrg ogrmif djtjr ebfmgf aigyg jpbrgsijfg` tjdj

•
 Sbragfeifmgf gftgr tjdj egf rgtg-rgtg pbrusgnggf.  

1.5 Gspbd Dbugfmgf [bagmgi G`gt Djftrj` Eg`go Qitb`

Gspbd Dbugfmgf sbagmgi G`gt Djftrj` eg`go Obfbtgpdgf pbfbtgpgf tulugf pbfmb`j`ggf
dbugfmgf tbrogsud (7) ngsi` pbfmb`j`ggf, (1) dbrgfmdg wgdtu ei ogfg tulugf ngrus eikgpgi,
egf (;) suoabr egyg ygfm eipbr`udgf uftud obfkgpgifyg tulugf. Sbfbtgpgf tulugf
 pbfmb`j`ggf dbugfmgf egpgt eisusuf ebfmgf obopbrngtidgf ng`-ng` sbagmgi abridut<

7. Srjsbs tjp-ejwf vbrsus ajttjo-up

1. Dbogopugf uftud egpgt eipbrtgfmmufmlgwgadgf (gduftgai`itgs)

;. @gfmdgn-`gfmdgn pbfmb`j`ggf

5. Lbfis  ‛  lbfis
 lbfis pbfmudurgf

•   Gueit pbflug`gf
•   Mrghid pbflug`gf
•   Srjeud pgrbt
•   Difbrlg dgsir

•
  Rpegtb ngrmg
 2. Dbfeg`i tbrngegp pbrsbeiggf

•  Sbfbrioggf agrgfm
•  Sbfyiopgfgf agrgfm
•  Agrgfm ni`gfm
•  Agrgfm rusgd

>

AGA III
SBFRURSGF

;.7 Dbsiopu`gf
 Sbrbfkgfggf Dbugfmgf geg`gn prjsbs egri Obfmgfg`isis pbrusgnggf egf pi`ingf
ifvbstgsi ygfm tbraudg agmi pbrusgnggf, Oboprjybdsidgf grus ogsg ygfm gdgf egtgfm

gdiagt dbputusgf ifi, mufg obfmniegri ng`-ng` ygfm tiegd tbreumg egf nuaufmgf gftgrg
dbputusgf sggt ifi egf ogsg ygfm gdgf egtgfm, Obfbftudgf g`tbrfgtih ogfg ygfm gdgf
eipi`in, Obfmudur ngsi` sb`gflutfyg tbrngegp tulugf tulugf dbugfmgf. [btigp ritb`
obfmifmifdgf dbsudsbsgf eg`go ng` dbugfmgf.
[g`gn sgtu tulugf dbugfmgf ygfm pbftifm geg`gn uftud obfkgpgi ioag` ngsi` gtgs gssbt
(rbturf jf gssbt  ‛  QJG)
 QJG) ygfm tifmmi. QJG egpgt eiagmi obflgei eug, ygitu
ygit u g`ur `gag (prjhit
 pgtn) ygfm eiudur j`bn ogrmif `gag abrsin egf g`ur pbrputgrgf `gag ygfm eidudur j`bn
 pbrputgrgf gssbt. Ubregpgt ababrgpg ifeikgtjr ygfm egpgt eimugfdgf eg`go obfmudur
difbrlg dbugfmgf eg`go aifis ritb` gftgrg `gif ogrmif djtjr, Aigyg Jpbrsijfg` tjdj sbagmgi
 pbrsbftgsb pbflug`gf, egf ogrmif djftriausi. Gspbd Dbugfmgf sbagmgi G`gt Djftrj` eg`go
Obfbtgpdgf pbfbtgpgf tulugf pbfmb`j`ggf dbugfmgf tbrogsud (7) ngsi` pbfmb`j`ggf, (1)
dbrgfmdg wgdtu ei ogfg tulugf ngrus eikgpgi, egf (;) suoabr egyg ygfm eipbr`udgf uftud
obfkgpgifyg tulugf.

;.1 [grgf
[btb`gn pboagkg egpgt obogngoi pbftifmfyg gspbd dbugfmgf pgeg aisfis ritb`, ogdg
eisgrgfdgf gmgr pboagkg egpgt obobtid pboab`glgrgf egri ogtbri eigtgs egf g`gfmdgn
 agidfyg lidg pboagkg
pboagkg egpgt obfbrgpdgf gpg ygfm tb`gn ei eipgpgrdgf eigtgs dbeg`go eufig
 aisfis ygfm gdgf gtgu suegn eilg`gfdgf j`bn pboagkg ogtbri ifi, egf pboagkg lumg
eisgrgfdgf gmgr egpgt abragmi i`ou ygfm tb`gn eiegpgt egri ogtbri ifi dbpgeg jrgfm sbditgr
gmgr egpgt oboabridgf ogfhggt dbpgeg jrgfm agfygd.

EGHUGQ SR[UGDG