Professional Documents
Culture Documents
fo"k; lwph
2 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
• voewY;u @ ewY;ßkl fu;kZr esa o`f¼ djrk gS vkSj vk;kr esa deh
• :i;k detksj gksrk gSA
• tcfd ewY;o`f¼@ vf/ewY;u vk;kr esa o`f¼ vkSj fu;kZr esa deh djrk gSA :i;k etcwr gksrk gSA
16- izcaf/r fofue; nj (Managed Floating Rate)
• blesa fofu;e; nj dk fu/kZj.k cktkj dh 'kfDr (ekax vkSj iwfrZ) }kjk gksrk gSA
• RBI blesa vizR;{k :Ik ls gLr{ksi djrk gSA
• bls DIRTY FLOATING Hkh dgk tkrk gSA
• RBI :i;s ds ewY;ßkl esa MkWyj dk foØ; djsxk rFkk ewY;o`f¼ esa MkWyj dk Ø; djsxkA
17- SHAKTI (Scheme for Harnessing allocating Koyala Transparental in India)
• Lkjdkj ;g dks;yk [knku uhfr ebZ 2017 esa ysdj vkbZ
• dks;y [knku vkoaVu dks ikjn'khZ cukus rFkk dks;ys ds vk;kr dks de djus ds fy;s
• ;g 30]000 MW okys la;a=kks dks dks;ys dh vkiwfrZ djsxkA
18- csukeh gLrkarj.k (Benami Transaction)
blls vk'k; fdlh O;fDr }kjk fdlh vU; O;fDr ds uke ij dh tkus okyh lEifÙk (vfLr) dh [kjhn ls gSA mlesa Hkqxrku dksbZ
vkSj O;fDr djrk gS tcfd lEifÙk dk /kjd dksbZ nwljk O;fDr gksrk gS ;k lEifÙk fdlh nwljs O;fDr ds uke gLrkarfjr gksrk
gSA og O;fDr ftlds uke ij lEifÙk [kjhnh tkrh gS mls ^cs ukenkj* dgk tkrk gS tcfd ml izdkj [kjhnh xbZ lEifÙk dk
okLrfod Lokeh Hkqxrku djus okyk gksrk gS vkSj bl izdkj ls [kjhnh xbZ lEifÙk ^csukeh laifÙk* dgykrh gSA bl ij jksd yxkus
ds fy, ljdkj us 1988 ds csukeh gLrkarj.k vf/fu;e dks lqn`<+ cukus ds fy, bldk uke ifjofrZr dj csukeh laifÙk gLrkarj.k
izfr"ks/ (PBPT– Prohibition of Benami Property Transactions) vf/fu;e 1988A blls lacaf/r desVh& ohjIik eksbZyh
desVhA
19. PARA (Public Sector Asset Rehabilitation Agency)
2016&17 ds vkfFkZd losZ esa ljdkj }kjk lkoZtfud {ks=k ds cSadksa (PSB) esa c<+rs ,uih, dh leL;k dks de djus ds fy, ,d
dsUnzhÑr ljdkjh vfLr lq/kj ,tsalh (PARA) ds LFkkiuk dh ckr dgh xbZ tks lcls cM+s vkSj isphnk ekeyksa (NPA ls lEcafèkr)
dh ftEesnkjh ys lds rFkk [kjkc yksu (Bad Loan) esa deh djus ds fy, jktuhfrd n`f"V ls dBksj fu.kZ; ys ldsA
20. FATCA (Foreign Account Tax Compliance Act)
;g 2014 ls ykxw gSA ;g Tax Avoidance dks de djus lEcaf/r Hkkjr vkSj vesfjdk ds chp ,d le>kSrk gS ftlds }kjk
vesjhdh ukxfjdksa }kjk Hkkjr esa fd, x, dksbZ fuos'k (cSadksa esa iwath cktkj E;wpy iaQM vkSj chek) esa ;k Hkkjr dk dksbZ vizoklh
tks vesfjdk esa jgrk gks vkSj og Hkkjr esa fuos'k djrk gSA ,sls yksx vesfjdk esa dj vnk ugha djrs vkSj lwpuk ds vHkko esa dj
cpk ysrs gSaA budks vesfjdk }kjk dj ds nk;js esa ykus ds fy, FATCA yk;k x;k gS ftlesa fuos'k ds fy, mls KYC ekud
iwjk djuk iM+sxk vkSj mlesa viuk tUe LFkku vkSj fuokl LFkku ?kksf"kr djuk iM+sxkA
21. E-KYC (Electronic KYC): Know your Client)
vxj dksbZ fuos'kd bysDVªkWfud ekè;e ls Lo;a vk/kjdkMZ }kjk vkWuykbu dsokbZlh dk vkosnu djrk gS ftlls og 50]000 #i;s
lkykuk lhek rd fuos'k (E;wpy iaQM] chek] 'ks;j vkSj ckaM esa) dj ldrk gSA
C- KYC (Centralised KYC) (dsUnzhÑr KYC)
;g dsoy ,d dsUnzhÑr KYC gksxk tks cSadksa esa gksxk rFkk blds }kjk lHkh rjg foÙkh; mRikn (tSls chek] E;wpy iaQM vkfn)
esa fuos'k dj ldrs gSaA ;g vk/kj dkMZ ls tqM+k gksxk] fdUrq 50]000 ls T;knk fuos'k ds fy, iSu dksMZ (Pan Card) vfuok;Z
gksxkA
E-KYC tgk¡ fuos'kd dks 50]000 #i;s lkykuk dh LohÑfr nsrk gS ogha C-KYC }kjk fuos'kd 50]000 ;k mlls T;knk lkykuk
fuos'k dj ldrs gSaA
104, First Floor, Above Aryan gas Agency, Jaina Complex, 3
Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
22. Input Tax Crdit
blds vUrxZr dPps eky ij vnk fd;k x;k dj rS;kj eky ij vnk fd, x, dj ls ?kVk fn;k tkrk gSA vk;dj esa Hkh fdlh
LySc esa fn, x, dj dks mlds Åij ds LySc esa vnk djrs le; lek;ksftr fd;k tkrk gSA ewY; of/Zr dj (VAT) esa Input
Tax Credit dk vf/d egRo gksrk gSA th,lVh esa Fkksd foØsrk ls fjVsyj rd gj pj.k esa ewY;o/Zu ij Input Tax Credit ykxw
gksxkA
23- fMCck VªsfMax (Bucketing)
• ;g lsch }kjk ekU; ugha gSA
jftLVMZ@iathÑr czksdj vius fuos'kdksa ds lHkh lkSns lsch vkSj LVkWd ,dltsap ds fu;eksa ds fglkc ls fucVkrk gSA tcfd fMCck
VªsMj vius Lrj ij gh ysu&nsu ds lkjs lsVyesaV djrk gSA blesa udnh ds tfj;s dbZ xquk iQk;nk dekus ds ykyp esa fgLlk fy;k
tkrk gSA bl ij dek;s x, izfriQy ij fuos'kd dj (Tax) ugha nsrsA fMCck O;kikj djus okys czksdj de ekftZu ij vf/d ls
vf/d dkjksckjh lqfo/k nsrs gSaA ftlls yksx ykyp esa iM+ tkrs gSaA fMCck O;kikj djus okys ,stasV ugha gksrs cfYd [kqn gh O;kikj
djrs gSa vkSj ysu&nsu dk lsVyesaV djrs gSaA
24- U;wure oSdfYid dj (MAT- Minimum Alternate Tax)
,slh dEifu;k¡ ftudk fuoy ykHk /ukRed gks ij vius NwV vkSj fj;k;rksa dk ykHk mBkdj tks viuk fuoy ykHk 'kwU; dj nsrh
gS rkfd mUgsa fuxe dj vnk u djuk iM+sA ,slh dEiuh dks 'kwU; dj dEiuh dgk tkrk gSA
MAT dks 1997&98 esa 'kq: fd;k x;k ftlesa ckn esa la'kks/u }kjk 115 J.B. dks tksM+k x;kA 115 tsch ds vuqlkj vxj dksbZ
dEiuh ftlus fiNys lky cgqr T;knk ykHk vftZr fd;k gks rFkk vius va'k/kjdksa dks ykHkka'k fn;k gksA ,slh 'kwU; dj dEiuh
ij MAT ykxw gksxk ftldh orZeku nj 18-5» gSA 2015&16 esa MAT ds nk;js dks c<+k fn;k x;kA vc dsoy dEiuh gh ugha
cfYd lHkh O;kikfjd bdkbZ;k¡ ¹O;kikfjd iQeZ] LLP (Limited Liability Partnership)º ij Hkh ykxw gksxk rFkk mu fons'kh
dEifu;ksa ij Hkh yxsxk ftldk LFkk;h dkjksckj Hkkjr esa gks rFkk tks iw¡th cktkj esa fuos'k djds ykHk dek jgh gksA
MAT ls lEcaf/r lfefr A.P. 'kkg desVh ftUgksaus fliQkfj'k fd iw¡th cktkj esa fons'kh iksVZiQksfy;k fuos'kd fuos'k djds tks
vYidkfyd YkkHk vftZr dj jgs gSa (muds vuqlkj y?kq iwathxr ykHk ij MAT ds :i esa VSDl yxk;k tkuk pkfg,A)
25- rjax eksckby ,fIyds'ku] bZ&Vªkal rFkk nhi
(TARANG Mobile APP, E- Trans and DEEP)
• ;s rhuksa iksVZy ns'k esa fo|qr ikjs"k.k ds {ks=k esa ikjnf'kZrk ykus ds mn~ns'; ls 'kq: fd;s x;s gSA
rjax (Vªkalfe'ku ,si iQkWj fj;y Vkbe eksuhVfjax ,aM xzksFk)
• ;g Hkfo"; dh ifj;kstukvksa dk VªSd (fu;a=k.k) djus vkSj xzhu ,uthZ dkWjhMksj dk fu;a=k.k Vwy ds :i esa dk;Z djsxk
E- TRANS
• ;g iks"k.k ifj;kstuk dh VSfjiQ vk/kfjr izfrLi/kZRed cksyh gsrq bZ&fcfMax (cksyh) vkSj bZ&fjolZ uhykeh vkWD'ku uhykeh
ds fy;s osc iksVZy gSA
DEEP (Discovery of Efficient Electricity Price)
• ;g eè;e vof/ (1&5 o"kZ) ds fy;s fctyh dh [kjhn ds fy;s ,d bZ&fufonk iksVZy gSA
• blds }kjk bZ&fufonk vkSj bZ&fjolZ uhykeh nksuks ,d lkFkA
26- SWIFT (Single Window Interface for Facilitating Trade)
• dsUnzh; vizR;{k dj cksMZ (CBIT) us O;kikj dks lqfo/ktud cukus vkSj bZt vkWiQ Mwbax fctusl esa lq/kj djus ds fy;s
SWIFT dh 'kq#vkr dh xbZ
• ;g vk;krdksa vkSj fu;kZrdksa dh ,d dkWeu bysDVªkfud baVhxzsVsM MsDysjs'ku nk;j djus ds fy;s l{ke cukrk gSA
4 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
27- csl bjkstu ,aM izkfiQV f'kfÝVax (BEPS)
• ;g cgqjk"Vªh; dj vk/kjks ij cgqjk"Vªh; daifu;ksa dh dj vioapu (Tax Avoidance) ds udkjkRed izHkko ls gSA
• ;g gLrkarj.k ewY; ds mi;ksx ds ekè;e ls izkIr fd;k tk ldrk gSA
28- ØkmfMax vkmV biQsDV
lkoZtfud foÙk dh ,d vo/kj.kk ftlds rgr ljdkjh O;; esa o`f¼ gksrh gS rFkk blds izHkko ls futh {ks=k dk [kpZ de gks
tkrk gSA
29- jktdks"kh; d"kZ.k (Fiscal Drag)
• blls vk'k; ml c<s gq, dj Hkkj ls gS] tks dj dh njksa esa fcuk fdlh ifjorZu fd;s gq, eqnzkLiQhfr ds IkQyLo:i mRiUu
gks tkrk gSA
30- midj rFkk vf/Hkkj (Cess and Surcharge)
• midj rFkk vf/Hkkj fdlh mn~ns'; dh iwfrZ ds fy;s jktLo dh mxkgh ds fy;s
• midj dj ds lkFk dj vk/kj ij tcfd vf/Hkkj dj ds mQij dj
• lkekU;r;k vf/Hkkj izR;{k dj ij rFkk midj izR;{k rFkk ijks{k ij yxk;k tkrk gSA
• vf/Hkkj rFkk midj dh izkfIr dks jkT;ksa ds forj.k ;ksX; iwy (Divisible Pool) esa ugh Mkyk tkrkA blds jktLo dks mu
mn~ns';ksa ij yxk;k tkrk gS] ftuds fy;s bUgs yxk;k x;k gks
31- lgHkkfxrk uksV~l (P. Notes)
• ;g ,d OFF SHORE DERIVATIVE gSA
• blds ekè;e ls iwath cktkj esa fuos'k djus okyk fcuk vius igpku dk [kqyklk fd;s fuos'k djrk gSA
• ;g vuok;Z :i ls fons'kh laLFkkxr fuos'k (FII) }kjk fudkyk x;k izfrHkwfr gksrk gS tks lsch esa iathd`r gksrs gSA
• 2016 esa lsch us ,d la'kks/u ikl fd;k gS ftlds varxZr P. Notes }kjk fuos'k djus okys dks vfuok;Z :i ls viuk KYC
(Know Your Client) lsch esa djokuk gksxkA
32- CRAR (Capital to Risk Weightage Assests Ratio)
• csly & 3 ekud esa
• ;g cSadks ds dqy lEifÙk dk mlds tksf[ke ls vuqikr gksrk gSA
• ;g NPA de djus dk ,d izko/ku (Provision) gSA
Vh; j 1 iat
w h $ Vh; j 2 iwath
• CRAR ¾
tkfs[ke Hkkfjr lEifÙk
33- vfxze ewY; fuekZ.k le>kSrk
(Advance Pricing Agreement)
• ;g fdlh djnkrk vkSj ml ewY; fu/kZj.k fof/ dks fufnZ"V djus okys de ls de ,d dj izkf/dj.k ds chp dk vuqca/
gSA
• lkekU;r% ;g dbZ o"kksZa dk gksrk gS ftldk iz;ksx djnkrk Lo;a ls lacaf/r daiuh ds ysunsu ij djrk gSA
34- CETA (Cpmprehensive Economic and Trade Agreement)
• ;wjksih; la?k vkSj dukMk ds chp fu%'kqYd O;kikj le>kSrk ftlds rgr 9000 iz'kqYd njksa dks lekIr fd;k tk;sxsA
35- bZ&ykHk (E-Laabh)
• yf{kr ykHkkfFkZ;ksa dks LPG dh Hkkafr lfClMh dk udn Hkqxrku djus gsrq i'kqikyu] Ms;jh fodkl vkSj eRL; foHkkx us ,d
bZ&ykHk lkWÝVos;j ykap fd;k gSA
6 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
40- ldy fu;r iwath fuekZ.k (Gross fixed capital for mation)
bldk rkRi;Z fLFkj iwath esa fuos'k (e'khuks] Hkwfe] Hkou] esa fuos'k rFkk iqjkuh e'khuh dh f?klkoV) ls gSA vkfFkZd leh{kk 2016&17
esa ldy fu;r iwath fuekZ.k dh nj izpfyr ewY;ksa ij GDP dk 26-6» jgh tks 2015&16 esa 29-3» FkhA 2011&12 ls blesa
yxkrkj fxjkoV vk jgk gSA bldk dkj.k ldy cpr esa Hkh fo'ks"kdj ?kjsyw cpr esa yxkrkj dehA
41- fdlku (KISAN) ifj;kstuk
KISAN (C (K) crop Insurance using space technology and geo informatics)
• ;g ifj;kstuk vrafj{k izkS|ksfxdh ,oa Hkw&lwpuk iz.kkyh (Space Technology and Geo informatics ;Fkk& th vkbZ-,l-]
thih,l ,oa LekVZ iQksu izkS|ksfxdh ds lkFk ;w,oh@Mªksu vk/kfjr besftax ls izkIr mPp foHksnu vkadM+ks ds lq/kj vkSj iQly
dVkbZ vuqiz;ksxksa ds csgrj vk;kstu mís'; ls izkjaHk dh xbZ gSA
42- izkFkfed {ks=k dh m/kjh
• RBI }kjk fn'kk funsZ'k gS fd gj cSad vius ½.k dk de ls de 40» izkFkfed {ks=kd m/kjh esa nsA blesa d`f"k dks 18»]
lw{e m|eksa dks 7-5» o detksj oxksZ dks 10» nsuk gksxk
blesa 'kkfey {ks=kksa esa
1- Ñf"k 2- lw{e ,oa y?kq m|e 3- f'k{kk 4- vkokl
5- fu;kZr 6- lk[k 7- lkekftd volajpuk 8- v{k; mQtkZ
43- bulkbMj VªsfMax
• daiuh ds deZpkjh ftUgs dEiuh dh xqIr lwpukvksa dk irk gks] bldk ykHk mBkdj os VªsfMax djds vxj ykHk dekrs gS rks
bl fØ;k dks bulkbMj VªsfMax dgk tkrk gSA lsch us gkWy gh esa bulkbMj VªsfMax vkSj fMCck VªsfMax ij iw.kZ izfrca/ yxk;k
gSA
44- iksath Ldhe vkSj fijkfeM Ldhe
• ;g ,d xSj dkuwuh bUosLVesaV Ldhe gS] tgk¡ fuos'kdksa dks muds fuos'k ds fy;s vR;f/d fjVZu dk oknk fd;k tkrk gS
• tcfd fijkfeM Ldhe esa Hkkx ysus okys u;s fuos'kdksa dks <wa<us ds cnys iSlk dekrs gSA
• ;s nksuks gh Ldhe fpV~l ,aM euh ldZqys'ku (cSfuax ,DV 1978) ds rgr izfrcaf/r gSA
• fpV iQaM vfuok;Z :i ls cpr laLFkk;sa gS tks fpV iQaM ,DV 1982 rgr fofu;fer fd;k tkrk gSA
• RBI bls vius vf/dkj lhek ds ckgj ekurh gSA
• Rose Valley case & ftlesa fj;y ,LVsV ,aM daLVªD'ku vkSj jkst oSyh gksVy ,aM ,aVjVsuesaV uked nks laLFkkvksa us 21»
dk fjVZu dk oknk dj 18000 djksM+ dk laxzg fd;kA
45- lkoZtfud ½.k izca/u izdks"B
PDMA - Public Debt Management cell
•bldk dk;Z dsoy ijke'kZ nsuk gksxkA
• dS'k CkSysal ij fuxjkuh ds lkFk ljdkjh izfrHkwfr;ksa ds fy;s ,d rjg dk dq'ky cktkj dks c<kok nsuk
• fuos'k rFkk y?kq cpr ;kstuk esa C;ktnjksa dks r; djus esa ljdkj dks lykg nsuk
• ;g ,d varfje O;oLFkk gS ,oa yxHkx nks o"kZ esa bls lokZf/d lkoZtfud ½.k izca/u ,tsalh ds :i esa mUur fd;k tk,xkA
• PDMA ,d la;a=k ,tsalh gS tks dsUnz ljdkj dh vakrfjd vkSj ckâ; ns;rkvksa dk izca/u djsxhA
46- CBDT vkSj CBIT
CBDT (Central Board for Direct Taxes)
• ;g foÙk ea=kky; esa jktLo foHkkx ds rgr ,d lkafof/d fudk; gSA
• ;g cksMZ lsaVªy cksMZ vkWiQ jsosU;q ,DV 1963 ds izko/kuksa ds vuqlkj dk;Z dj jgk gSA
8 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
4- daiuh ds rhu lky esa fcØh 25000 djksM+ ls mQij gks
5- daiuh vfuok;Z :i ls LVkWd ,Dlpsat esa iathd`r gks
6- daiuh esa cgqjk"Vªh; daiuh cuus dh {kerk gksA
51- LekVZ bafM;k gSdFkkWu (Smart India Hackathon)
• ;g fMftVy bafM;k izksxzke ds rgr vk;ksftr fd;k x;k
• ftlesa uokpkj dks c<kok nsus ds fy;s rFkk 29 fefuLVªh vkSj ljdkjh foHkkx esa leL;k ls lacaf/r gy <w<us ds bjkns lsA
• blesa 598 leL;k;sa fudkyh xbZ ftls 42000 bathfu;fjax ds Nk=kksa us viuk gy fn;kA ftls 10000 izfrHkkxh (1266 Vhe
ds :i esa) p;fur gq,A
52- vk/kj is
• vk/kj ,si O;kikfj;ksa gsrq xzkgdksa ls vk/kj izek.ku ds ekè;e ls vksoj n dkmaVj fMftVy isesaV izkIr djus ds fy;s cuk;k
x;k gSA
• blls xzkgdksa dks vc dS'kysl djus ds fy;s MsfcV ;k ØsfMV dkMZ dk mi;ksx djus] eksckby ,fIyds'ku MkmuyksM djus
ds] ;k eksckby vFkok fdlh Hkh vU; fMokbl dks lkFk j[kus dh vko';drk ugha gksxhA mUgs dsoy vk/kj ds lkFk tqM+s
,d cSad [kkrs dh vko';drk gksxh rFkk izek.ku ds fy;s os vius vaxwBs dh Nki dk mi;ksx djus esa l{ke gksxsaA
• blds fy;s O;kikjh dh LekVZiQksu dh vko';drk gksxh mUgsa xwxy Iys LVksj ls vius vk/kj is ,si MkmuyksM djuk iM+sA
• bl gsrq xzkgdksa ds cSad [kkrs esa iqy uksVhfiQds'ku Hkstdj Hkqxrku Lohdkj djuk iM+sxkA
• vk/kj is ysu&nsu ds fy;s O;kikfj;ksa dks vius lacfa /r cSda ksa dks MDR dk Hkqxrku djuk gksxk tks ysu nsu jkf'k dk 0-25»
fu/kZfjr fd;k x;k gS
10 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
eqyk;e eqnzk
• iwfrZ T;knk ek¡x de
• vklkuh ls vU; eqnzk esa ifjorZuh; ugha
• #i;k (2016 rkjkiksj iz'u iwNk x;k)
m".k eqnzk
• vYidkfyd ykHk ds fy, vUrjkZ"Vªh; cktkj esa pDdj yxkrh gSA
• ftl cktkj esa T;knk ykHk feysxk ogha fuos'k djsxh
• fons'kh iksVZiQksfy;k ds :i esa fuos'k (,iQihvkbZ)
• gky gh esa isQMjy cSad us vius nj esa o`f¼ dh ftlls ,iQihvkbZ Hkkjrh; iwath cktkj esa T;knk fcdokyh djus yxs ftlls
lsalsDl uhps vk x;kA
Ñf=ke eqnzk
• ,lMhvkj (fo'ks"k vkgj.k vf/dkj dks)
• vkbZ,e,iQ dh eqnzk
• dkxth Lo.kZ Hkh dgk tkrk gS
• ,lMhvkj ckWLdsV esa igys pkj eqnzk (MkWyj] ikmaM] ;su] ;wjks)
• ikapok 2016 ls jsUesUch (pkbuk ;qoku) tksM+k x;k (2016 esa iwNk x;k)
fMftVy eqnzk
• fØIVks djsalh
• fcVDokbu (2016 esa iwNk x;k)
dkyh eqnzk
• ftl ij dj ugha vnk fd;k x;kA
• tks miHkksx esa T;knk iz;ksx gks (mRiknu esa de)
• ljdkj us dkys /u ;k v?kksf"kr vk; dks ?kksf"kr djus ds fy, 1 twu ls 30 flrEcj 2016 esa vk; izdVu ;kstuk ysdj
vkbZ blesa 45» dj (30» dj $ 7-5» Ñf"k midj $ 7-5» isuYVh nsdj) dkys /u dks lisQn fd;k tk ldrk FkkA FEMA
vkSj Money Laundaring esa iwNrkN laHko)
8 uoEcj] 2016 dks dkys /u] udyh uksV vkSj vkradokn dks jksdus ds fy, foeqnzhdj.k
iz/kuea=kh xjhc dY;k.k ;kstuk
• 31 ekpZ] 2017 rd ftls ckn esa 30 viSzy] 2017 rd c<+k fn;k x;kA
• 15 fnlEcj] 2016 ls izkjaHk
• mls 50» VSDl (30» VSDl $ 10» Ñf"k ij midj $ 33» isuYVh)
• v?kksf"kr vk; dks ?kksf"kr djus dk vafre ekSdk
• 'ks"k 50» /u esa 25» /u dks cSad esa 4 lky ds fy, lkof/ tek (Fixed Deposit) ;g ykWd bu ihfj;M gksxkA ftldk iz;ksx
ljdkj xjhcksa ds dY;k.k ;kstukvksa ij [kpZ djsxhA
• cSad bl ij dksbZ C;kt ugha nsxk (pkj lky rd)
• vU;Fkk 85» VSDl nsuk gksxkA
izkstsDV bulkbZV (Project Insight)
• foÙk ea=kky; ds vUrxZr 'kq:
• tgk¡ dj pksjh (Tax Evasion) djus okys dks ljdkj }kjk iSudkMZ ds ekè;e ls idM+k tk;sxkA
Dyhueuh vfHk;ku (LoPN /u vfHk;ku)
• foÙk ea=kky; ds v/hu
• tgk¡ v?kksf"kr vk; okyk O;fDr bude VSDl ds osclkbV ij iSu dkMZ }kjk dqN iwNs x, lokyksa dk mÙkj nsdj rFkk fu/kZfjr dj
vnk djds vius dkys /u dks LoPN dj ldsxkA
12 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
6- ekSfnzd uhfr lfefr (MPC)
• dsUnz ljdkj us RBI Act 1934 dh /kjk 45ZA }kjk flrEcj 2016 esa vuqeksfnr fd;kA
• 5 o"kks± ds fy, (2016&21) rd eqnzkLiQhfr nj ds 4(±2) izfr'kr (2 ls 6» ds chp) j[kus dk y{;
• lfefr esa 6 lnL; gksaxs ftlesa
& rhu vkjchvkbZ ds vkSj 3 ljdkj ds
& ljdkj ds lnL; dschusV lsØsVjh }kjk pqus tk;saxsA
& fu.kkZ;d er vkjchvkbZ xouZj ds ikl
& xouZj desVh dk insu vè;{k gksxk
7- Fkksd ewY; lwpdkad (WPI)
• bls gsM ykbu eqnzkLiQhfr Hkh dgrs gSaA
• dsoy oLrq ij vk/kfjr (igys 676 oLrq& vc 697 oLrq)
• vk/kj o"kZ 2011&12 (igys 2004&05)
• x.kuk ekfld vk/kj ij dsUnzh; lkaf[;dh laxBu (CSO)
• vkadM+s vkfFkZd ekeyksa ds ea=kky; }kjk tkjhA
• rhu eq[; en
1- izkFkfed oLrq & 117 (Hkkjka'k 22»)& o`f¼
2- b±/u & 16 (Hkkjka'k 13»)& deh
3- fofufeZr & 564 (Hkkjka'k 64») & deh
& vizR;{k dj dks gVk;k x;k gSA
& iwQM baMsDl dks tksM+k x;k gSA
& oLrq,a tks 'kkfey dh xbZ gS& izkÑfrd xSl] LVhy rkj] ykSdh] djsyk] fV'kq isij] [khjk
& oLrq,a tks gVkbZ xbZ gS& dksd (dks;yk)] [kkaMlkjh] fofM;ks lhMh Iys;j] ikiM+ ykbV Mhty
vk/kj izHkko (Base effect)
• okLrfod eqnzkLiQhfr dk irk ugha pyrkA
• fiNys o"kZ ds eqnzkLiQhfr dk orZeku o"kZ esa vk;k izHkkoA
eqnzkLiQhfr dk izHkko
{ks=k izHkko {ks=k izHkko
miHkksDrk uqdlku jkstxkj o`f¼
½.kh ykHk djkjksi.k o`f¼
½.knkrk gkfu mRiknd ykHk
lkoZtfud cpr deh O;kikjh ykHk
lkoZtfud O;; o`f¼ fdlku ykHk
vk;kr o`f¼ fofu;kstd ykHk
fu;kZr deh ifjorZu'khy vk; lewg ykHk
fMcsapj@ckaM/kjd gkfu fLFkj vk; lewg gkfu
14 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
4- vkjchvkbZ
1- vkjchvkbZ ds dk;Z
• uksVksa dk fuxZeudrkZ & 1 #i;s dk uksV vkSj flDdksa dks NksM+dj
• uksVksa dk forj.kdrkZ& lHkh uksVksa vkSj flDdksa
• ljdkj dk cSad (Vªstjh fcYl ds ekè;e ls)
Vªstjh fcYl & thjks dwiu ckaM Hkh dgrs gSa
fMLdkmaV ij tkjh
rhu izdkj ds& 91 fnu] 182 fnu] 364 fnu
• cSadksa dk cSad & cSadksa dk vafre ½.knkrk
• lek'kks/u x`g dk dk;Z (Clearing agency) NPCI ds }kjk
• eqnzkLiQhfr ij fu;a=k.k • fofue; nj ij fu;a=k.k
• ljdkj dk ,tsaV • cSadksa ds foy;] foLrkj ij fu;a=k.k
• foeqnzhdj.k • iqueZqnzhdj.k
• fons'kh eqnzk HkaMkj dk laj{kd • ekSfnzd uhfr dk fu/kZj.k vkSj leh{kk
• lk[k fu;a=k.k
• eqnzkLiQhfr dks de djus ds fy, • NDTL gj cSad 15 fnu esa 'kqØokj ls 'kqØokj rd fudkyrk gSA
16 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
1- cSadksa dh vfrfjDr rjyrk dks de djus
2- cSadksa dh lk[k l`tu {kerk dks de djus
3- cktkj esa rjyrk dks c<+us ls jksdus ds fy,
MSS Bond (Market Stablisation Scheme Bond)
cktkj ewY; fLFkjhdj.k ck¡M
• 2004 esa vkjchvkbZ igyh ckj ,e,l,l ckW.M ysdj vkbZ tc cktkj esa MkWyj dh ek=kk esa o`f¼ gks xbZ FkhA
• ;g ck¡M ;k izfrHkwfr vkjchvkbZ }kjk rc yk;k tkrk gS tc ljdkj dh izfrHkwfr de iM+ tk;sA
• ;g ljdkj dh vYidkfyd izfrHkwfr dh rjg ekU; gksrh gSA
• vkjchvkbZ mruh gh ek=kk esa bls fudkyrk gS ftruk /u ljdkj udn ds :i esa vkjchvkbZ ds ikl j[krh gSA
• bldh vf/dre ifjiDork vof/ 6 eghusA
• bl izfrHkwfr dks cSadksa dh vfrfjDr rjyrk dks de djus ds fy, yk;k x;kA bls cSad vius ,l,yvkj ds izfrHkwfr ds :i esa
Hkh j[k ldrk gSA
• bl ij cSadksa dks C;kt izkIr gksxkA
• bls cksyh yxkdj (Auction) cspk tk;sxkA ;g f}rh;d cktkj (Secondary Market) esa VªsM gks ldsxhA
• ljdkj ij blds C;kt dk cks> ugha c<+sxk D;ksafd ctV esa blds C;kt ij vyx ls /u vkoaVu gksxkA
• ;g ljdkj ds jktdks"kh; ?kkVs esa o`f¼ ugha djsxhA
• igys vkjchvkbZ us 30]000 djksM+ dk MSS ckaM fudkyk ftls ckn esa c<+kdj 6 yk[k dj fn;k x;kA
SDR-Standing Deposit Facility
• vkjchvkbZ }kjk bls ykxw djus dh ;kstuk cukbZ tk jgh gSA
• cSadksa dh vfrfjDr rjyrk dks de djus esa lgk;dA
• fcuk dksysVjy (xkjaVh) ds cSadksa ls rjyrk Lohdkj dj mlesa C;kt nsus dh izfØ;kA
lkafof/d rjyrk vuqikr (SLR)
• cSad vius NDTL dk 20-50» vius ikl vfuok;Z :i ls j[ksxhA
• bls lksuk] #i;s vkSj ljdkjh izfrHkwfr ds :i esa j[kk tkrk gSA
SLR esa o`f¼ gksus ij
• cSadksa esa rjyrk esa deh
• cSadksa dh lk[k l`tu {kerk esa deh
• cSadksa ds ykHk esa deh
• eqnzkLiQhfr dks de djus ds fy,
vkjchvkbZ orZeku esa lLrh eqnzk uhfr dk iz;ksx dj jgh gS fiQj Hkh vius 2017&18 ds igys ekSfnzd uhfr leh{kk (tks gj nwljs
eghus esa ;k lky esa 6 ckj gksrh gS) esa fjolZ jsiks nj esa viSzy 2017 esa o`f¼ dhA
fjolZ jsiks nj esa o`f¼ ls
• cSadksa dks vfrfjDr rjyrk vkjchvkbZ ds ikl tek gksxkA
• cktkj esa rjyrk esa o`f¼ ugha gksxhA
• izHkkoh ekax esa o`f¼ ugha gksxhA
fjolZ jsik nj og nj gS] ftlesa cSad vius vfrfjDr tekjkf'k dks
• eqnzkLiQhfr fu;a=k.k esa jgsxkA vkjchvkbZ esa tek djrk gSA bls ikfd±x Vw vkjchvkbZ Hkh dgrs gSaA
18 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
5- cSafdax
• vkjchvkbZ us 2016 vxLr esa ;wfuolZy cSad ds fy, dqN fn'kk funsZ'k tkjh fd, (ykblsal ds fy,)
1- ykblsal ysus okyk vfuok;Z :i ls NBFC (xSj cSafdax foÙkh; laLFkku) ;k Non operating Holding Finance corporation
(NOHFC) gksuk pkfg,A
2- U;wure 500 djksM+ pqdrk iwath gksA
3- ykblsal ysus okys dks de ls 10 o"kZ dk foÙkh; ;k cSafdax {ks=k dk vuqHko gksA
4- 6 o"kZ ds Hkhrj vfuok;Z :i ls iathdj.k djuk gksxkA
5- 25» cSad dh 'kk[kk;sa xzkeh.k {ks=k esa vfuok;Z :i ls [kksysxhA
vkjchvkbZ us 2015 esa ca/u cSad vkSj IDFC cSad dks ;wfuolZy cSad dk ykblsal fn;kA
ca/u cSad
• LFkkiuk 2002 esa ca/u iQkbusaf'k;y lfoZlst ,d NBFC ds :i esaA
IFC (International Finance Corporation)
• eq[;ky;] dksydkrk] laLFkkid] pUnz'ks[kj ?kks"k
LFkkiuk& 1956
• ca/u iQkbusaf'k;y lfoZlst lw{e foÙk laLFkku (MFI-Micro Finance
eq[;ky;& okf'kaxVu Mhlh
Institution) ds :i esa dk;Z dj jgh FkhA
lnL; % 184 ns'k
• ftles a cS a f da x foÙk fuxe (IFC–International Finance
• oYMZ cSad dh vuq"kaxh bdkbZ (Associate Unit)
Corporation) us Hkh fuos'k fd;k gSA
• ;g lnL; jk"Vªksa dks fcuk xkjaVh ds okf.kfT;d
IDFC cSad
½.k miyC/ djkrk gSA
• LFkkiuk 1999 esa NBFC ds :i esa
• funs'kd& jktho chú yky
• ;g igys vk/kjHkwr lajpuk esa ?kj fuekZ.k tSls dk;ks± ds fy, y?kq ½.k nsus dk dk;Z djrk FkkA
;wuholZy cSad
• ;g cSad tek Lohdkj djus vkSj ½.k nsus ds vykok cSad ds lHkh mRikn dh fcØh djsxk (chek] E;qpqy iaQM] ØsfMV dkMZ] tujy
chek] MheSV vkfn)
• ujflage vkSj ,lú,pú [kku desVh ds fliQkfj'k ij ;wfuolZy cSad dh 'kq#vkr vkjchvkbZ }kjk dh xbZA
ukckMZ (NABARD)
• LFkkiuk & 12 tqykbZ] 1982 Ñf"k {ks=k esa nh?kZdkyhd ½.k Hkwfe
• eq[;ky;& eqacbZ fodkl cSad }kjk fn;k tkrk gS
• 99-5» 'ks;j/kfjrk ljdkj ds ikl 0-5» vkjchvkbZ ds iklA
• ;g lh/s fdlkuksa dks ½.k ugha nsrk cfYd laLFkkuksa dks foÙk miyC/ djkrk gSA
• 2015&16 ds ctV esa ljdkj us ukckMZ esa nh?kZdkyhd flapkbZ iaQM 5000 djksM+ ls 'kq#vkr dh xbZ FkhA
• 2016&17 esa c<+kdj 20]000 djksM+ #i;s rFkk ftls 2017&18 ds ctV esa c<+kdj 40]000 djksM+ #i;sA
• ukckMZ }kjk RIDF (Rural Infrastructure development Fund) dh LFkkiuk Hkh dh xbZ gSA
{ks=kh; xzkeh.k cSad (RRB)
• v¼Zlgdkjh cSad (lgdkjh $ okf.kfT;d)
20 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
1843– Bank of Madras
;s rhuksa cSad feydj 1921 esa baihfj;y cSad cukA
,úMhú xksjk okyk desVh ds fliQkfj'k ij LVsV cSad vkWiQ bafM;k dh LFkkiuk 1 tqykbZ] 1955 esa tcfd jk"Vªh;dj.k 1956 esa
gqvkA
,lchvkbZ lg;ksxh (1 viSzy] 2017 ls ,lchvkbZ esa foy;)
• LVsV cSad vkWiQ chdkusj
• LVsV cSad vkWiQ t;iqj
• LVsV cSad vkWiQ lkSjk"Vª
• LVsV cSad vkWiQ bankSj
• LVsV cSad vkWiQ gSnjkckn
• LVsV cSad vkWiQ ifV;kyk
• LVsV cSad vkWiQ eSlwj
• LVsV cSad vkWiQ =kko.kdksj
• LVsV cSad vkWiQ chdkusj vkSj t;iqj dk vkil esa foy;& 1 viSzy] 2017 ls ,lchvkbZ esa foy;A
• 2008 esa lkSjk"Vª dk ,lchvkbZ esa foy;
• 2010 esa bankSj dk ,lchvkbZ esa foy;
• lcdk foy; ,lchvkbZ esa 1 viSzy] 2017 (ihútsú uk;d desVh vkSj Kku laxe&II lEesyu)
efgyk fodkl cSad
• LFkkiuk % 19 uoEcj] 2013
• eq[;ky; % ubZ fnYyh
• ps;jesu % m"kk vuar lqcze.;e
• iwath % 1000 djksM+ #i;s (,lchvkbZ ls)
• ;g cSad efgyk vkSj iq#"k nksuksa dk [kkrk [kksyrk FkkA
• ½.k nsus esa efgyk dks izkFkfedrk
• 2013 esa jk"Vªh;dj.k
• 2017 esa ,lchvkbZ esa foy;
• Hkkjr esa orZeku esa 21 lkoZtfud cSad gSaA
• Hkkjr esa dqy jk"Vªh;Ñr cSad 20 gSA
jk"Vªh;dj.k
1- 19 tqykbZ] 1969 dks 50 djksM+ iwath ds vk/kj ij 14 cSadksa dkA
2- 1 viSzy] 1980 dks 200 djksM+ dh iwath ds vk/kj ij 6 cSadksa dkA
3- 1993 esa U;w cSad vkWiQ bafM;k dk iatkc us'kuy cSad esa foy;A
4- 2004 esa vkbZMhchvkbZ dk jk"Vªh;dj.k
5- 2013 esa efgyk fodkl cSad dk jk"Vªh;dj.k (2017 esa efgyk fodkl cSad dk ,lchvkbZ esa foy;)
22 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
• tcfd ;wihvkbZ ds ekè;e ls fdlh Hkh ,d [kjhnnkjh ;k Hkqxrku ds fy, 1 yk[k #i;s rd dk gLrkarj.k fd;k tk
ldsxkA
• orZeku esa 36 cSad ;wihvkbZ ls tqM+s gSaA
• uanu fuysd.kh dk lEca/ ;wihvkbZ ifj;kstuk ls gSA
Hkhe ,i (BHIM APP)
• bl ,i ds ekè;e ls eksckby iQksu ds tfj;s Rofjr] lqjf{kr] fo'oluh; ,oa ljy dS'kySl Hkqxrku fd;k tk ldrk gSA
• bldk fuekZ.k NPCI }kjk ;wihvkbZ ij vk/kfjrA
• blds }kjk xSj&;wihvkbZ lefiZr [kkrksa esa Hkh IFSC vkSj MMID dksM dk iz;ksx dj /u varfjr fd;k tk ldrk gSA
• iz;ksDrk bl ,i }kjk vius cSad [kkrs dk cSysal vkSj vius gLrkarj.kksa dh fMVsy Hkh tku ldrs gSaA
• lkFk gh os vius eksckby uacj ds vfrfjDr dLVe isesaV ,Mªsl Hkh cuk ldrs gSaA
• izR;{k Hkqxrku gsrq isesaV ,Mªslksa dh Rofjr baVªh QR dksM ds LdSu ds tfj, bl ,si ls dh tk ldrh gSA
• O;kikjh vklkuh ls viuk QR dksM l`ftr dj fMLiys gsrq fizaV dj ldrs gSaA
• Hkhe ,i ds ekè;e ls orZeku esa ,d ckj esa vf/dre 10]000 #i;s rFkk 24 ?kaVs ds Hkhrj vf/dre dqy 20]000 dh
gLrkarj.k lhek gSA
• bls igys xwxy Iys LVksj ls MkmuyksM djuk gksxkA vkbZvks,l esa Hkh miyC/ gSA
• iz;ksDrk dk lR;kfir eksckby uacj gh mldk isesaV ,Mªsl gksxkA
AePS (vk/kj leFkZ Hkqxrku iz.kkyh)
• bldk mís'; mu oxks± dks vkfFkZd ysu&nsu ds fy, lqyHk cukuk ftlesa foÙkh; lk{kjrk dk vHkko gSA
• bls Micro ATM (PoS- Point of Sale) e'khu ftls cSafdax dkWjsLiksaMasV }kjk xk¡o esa iz;ksx fd;k tk;sxkA
• blesa vk/kjdkMZ uacj ;k dsoy fiQaxjfizaV dh vko';drk gSA
• bldk iz;ksx djds lacaf/r O;fDr vius [kkrs ds lEca/ esa fuEufyf[kr tkudkjh ;k ysu&nsu dj ldrk gS& [kkrs dk cSaysal]
[kkrs esa tek] [kkrs ls fudklh vkSj /u dk LFkkukarj.kA
Hkkjr QR (Quick Response) Code
• vkjchvkbZ ds funsZ'kksa ds vuqlkj NPCI ohtk] ekLVj dkMZ vkSj vesfjdu ,Dliszl }kjk la;qDr :i lsA
• ;g fMftVy Hkqxrku ds fy, dkMZ LoSfiax e'khuksa dk mi;ksx djus dh vko';drk dks lekIr djrk gSA
• ;g ,d f}vk;keh (eSfVªDl) e'khu jhMscy ckj dksM gksrk gSA
ATM- rhu izdkj ds gSa
1. White Level ATM (WLA)
• bls xSj cSafdax foÙkh; laLFkku }kjk lapkfyr fd;k tkrk gSA
• ;s vke cSad ds ,Vh,e dh rjg dk;Z djrs gSA
• 2013 esa igyk WLA VkVk bafMdS'k (Tata Communication Payment Solution Ltd. }kjk)
• 2015 esa ljdkj us WLA esa 100» FDI Lopkfyr ekxZ ls vuqefr nh gSA
• WLA dh LFkkiuk djus okys NBFC fuoy gj le; de ls de 100 djksM+ gksuk pkfg,A
2- Brown Level ATM (BLA)
• tc cSad ATM dk lapkyu fdlh Third Party (tSls NBFC futh daiuh)
• blesa /u dh j[kus dk dk;Z cSad }kjk fd;k tkrk gSA
• vr% dksbZ xyr uksV (ATM }kjk fudys gq,) fudyus ij cSad mÙkjnk;h gksxkA
24 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
7- XkSj fu"iknu vfLr
NPA (NON PERFORMING ASSESTS)
• cSad vius xzkgdksa dks tks ½.k nsrs gS] mls cSad dh vfLr dgrs gSA bl ½.k esa cSad C;kt dekrs gSA ysunkj gj eghus EMI (Equal
Monthly Instalment) ds :i esa ewy/u vkSj C;kt CkSad dks vnk djrs gSaA (ECS ds ekè;e ls)
• cSadks dk og ½.k ftldk ewy/u vkSj C;kt yxkrkj 3 eghus ;k 90 fnuksas rd Hkqxrku u gks] mls NPA dgrs gSaA
• Ñf"k esa NPA rc ekuk tkrk gS tc fdlku yxkrkj nks iQlyksa (,d Ok"kZ) rd ½.k dk Hkqxrku uk djsA
NPA ds izdkj
1- ?kfV;k ifjlEifÙk & 90 fnu ls 1 o"kZ rd C;kt vkSj ewy/u dk Hkqxrku uk gks
(Substandand Assests)
2- lansgkRed ifjlEifÙk & 90 fnu ls 2 lky rd C;kt vkSj ewy/u dk Hkqxrku uk gks
(Doubtful Assests)
3- {kfr vfLr & 90 fnu ls 3 o"kZ rd C;kt vkSj ewy/u dk Hkqxrku uk gks
(Loss Assests)
NPA dk dkj.k
• fxjoh j[kh vfLr dh xq.koÙkk o dher esa dehA
• C;kt dh njksa esa o`f¼ ds dkj.k Hkqxrku esa dfBukbZA
• vk/kjHkwr lajpuk esa fn;s x;s ½.k (nh?kZdkfyd) ftldh fjdojh esa dfBukbZA
izkFkfed {ks=k m/kjh ds varxZr fn;s x;s ½.k esa vf/d tksf[ke dk gksuk
• fu;kZrd bdkb;ksa dks fn, x, ½.k esa fo'o vkfFkZd eanh dk nq"izHkko
• foÙkh; o"kZ ds var esa ½.k esa nsus ds gksM+ esa KYC ekudksa dks è;ku u nsukA
• cSadks }kjk ½.k olwyh esa ykijokghA
izko/ku (Provision) : ;s lqj{kk ekud gksrs gSa tks ,uih, gksus dh laHkkouk dks de djrs gSaA
• RBI NPA dks jksdus ds fy, nks izdkj ds ekudksa dk iz;ksx djrk gS&
1- KYC ekud 2- csly ekud
• KYC (Know Your Client) ekud (xzkgdksa dks tkuks)
;g nks izdkj gS& 1- CKYC (Central KYC - July 2016 ls 'kq:)
2- EKYC (Electronic KYC)
• CIBIL - Credit Information Bureau of India Ltd. & ;g Í.k ysus okys 'kk[k dks iznf'kZr djrk gSA
(izkjaHk & 2000 ls] eq[;ky; & eqacbZ)
• FATCA
2- csly ekud
• BIS (Bank for International Settlement) tks fo'o ds 60 dsUnzh; cSdksa dk lewg gSA ftldh LFkkiuk 1930 esa vkSj eq[;ky;
fLoV~tjySaM gSA
• csly lfefr dk xBu 1974 esa fd;k x;kA bl lfefr }kjk cSadks ds fy;s tks varjkZ"Vªh; ekud cuk;s tkrs gSa mls csly ekud
dgk tkrk gSA
26 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
• ns'k NPA vuqikr (ldy ½.k ds vuqikr esa)
czkthy 3-8
phu 1-7
:l 9-2
n- vizQhdk 3-2
dksfj;k 8-9
Hkkjr 9-1
(vkfFkZd leh{kk 2016&17)
f}rqyu i=k dh leL;k
• bldk rkRi;Z ,d vksj fo'ks"k lqfo/k izkIr dEifu;ksa o nwljh vksj Mwcs gq, ½.kksa ls xzLr cSad gSA bls lkoZtfud {ks=k ds cSadks ds
NPA esa o`f¼ gks jgh gSA
• bl lanHkZ esa ,d dsUnzhd`r ljdkjh vfLr lq/kj ,stsalh (PARA- Public sector assest rehabilitation Agency) dh LFkkiuk dh
ckr dgh xbZ tks lcls cM+s o isphnk ekeyks dh ftEesnkjh ys lds rFkk ½.kksa esa deh djus ds fy;s jktuhfrd n`f"V ls dBksj
fu.kZ; ys ldsA
• vkfFkZd leh{kk ds vuqlkj fnlacj 2016 rd cSadks dk dqy NPA 9» gS ftlesa 80» fgLlk lokZtfud {ks=kksa ds cSadksa ds gSA
bruk NPA esa o`f¼ dk dkj.k
1- Willful Defaulter (tks Lo;a tkucq>dj fMiQkWYV djs)
2- RBI ds vfLr xq.koÙkk leh{kk (Assest Quality Review - AQR) dh otg ls (tgka cSadks }kjk viuh cfg;ksa dh liQkbZ fd;s
tkus ij mudh NPA dh fLFkfr lkeus vkbZA
3- 40» ,slh dEifu;ks }kjk ½.k ns; Fkk ftudk C;kt dojst vuqikr 1 ls de Fkk (mudh vk; bruh Hkh ugh Fkh fd og vius
½.kks dh C;kt vnk;xh dj ldsA)
NPA dk izHkko
• cSadks ds fnokfy;kiu dk [krjk
• lkoZtfud {ks=k ds cSadks dk M Cap (cktkj ewY;) cgqr de gks x;kA (M Cap dk vFkZ gS ¾ dqy 'ks;jksa dh la[;k × izfr 'ks;j
cktkj ewY;)
NPA jksdus ds mik;
RBI }kjk ljiQslh
(SARFESI Act 2002)
• bl ,DV ds rgr cSadks dks ;g vf/dkj fn;k x;k fd os fcuk dksVZ esa tk;s fMiQkYVj dh lEifÙk dqdZ dj ldrk gSA
fMiQkWYV viuh dqdZ lEifÙk ds fy; DRT (Debt Recovery Tribunal) es vihy djsxkA blesa ogh vkosnd gksxk ftlus vius
NPA dk 50» dk Hkqxrku fd;k gksA
DRT dh iQhl 15000 ls 1]50000 rd gksrh gSA
• DRT dk xBu 1993 esa fd;k x;kA
• DRT cSadks dks tCr dh xbZ lEifÙk dks ,d lky ds Hkhrj cspus dk vf/dkj nsrk gSA bu tCr dh xbZ lEifÙk;ksa dks ARC (Asset
Reconstruction Company) cSadks ls [kjhnrh gSA ljdkj us ARC esa Lopkfyr FDI lhek 100» dj fn;k x;k gS ftlls blesa
izfrLi/kZ c<s vkSj cSadksa dks ykHk feysA
RBI }kjk 3R dk lq>ko
1- Rectification - (lq/kj) RBI CkSadks dks vkSj T;knk ½.k nsus ds fy;s dgrk gS rkfd ½.k ysus okyk O;fDr ladV ls mcj lds
2- Reconstruction - (iquxZBu) ½.k dh vof/ c<kdj ;k C;kt nj esa deh djdsA
28 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
8- thMhih vkSj jk"Vªh; vk;
thMhih % fdlh Hkh vFkZO;oLFkk esa ,d o"kZ esa mRikfnr oLrq vkSj lsok dk vfUre ekSfnzd ewY; thMhih dgykrk gSA (?kjsyw lhek
ds vUnj)
1- blesa ns'kh vkSj fons'kh nksuksa ukxfjdksa dks 'kkfey djrs gSaA
2- ?kjsyw lhek esa HkkSxksfyd lhek vkSj 12 NM (ukWVhdy ehy) leqnzh lhek rd dk Hkkx 'kkfey gksrk gSA
3- vfUre oLrq dk vFkZ og oLrq gS tks lh/s miHkksx esa iz;qDr gks vFkkZr~ ftldk ewY;o/Zu ugha gks ldrkA (nwrkokl $ lSU;
vM~Mk Hkh 'kkfey)
4- thMhih esa fuEu oLrqvksa dks 'kkfey ugha djrs&
(i) eè;orhZ oLrq tSls& vkVk gsrq xsgw¡
(ii) iqjkuh oLrqvksa dh [kjhn fcØh (Second hand oLrq)
(iii) 'ks;j vkSj ckaM (½.ki=k) dh [kjhn fcØh
(iv) ,di{kh; gLrkUrj.k tSls& migkj] vuqnku] lgk;rk] ;wchvkbZ] ykWVjh ;k lV~Vs esa thrk /uA
(v) 2015 ls thMhih dk vk/kj o"kZ cny dj 2011&12 dj fn;k x;k gS tks igys 2004&05 FkkA vk/kj o"kZ dh x.kuk
lh,lvks }kjk eqnzkLiQhfr ds izHkko dks gVkus ds fy, dh tkrh gSA ;g izR;sd 5 o"kZ esa cnyk tkrk gSA igyh ckj vk/kj o"kZ
1943&44 esa cuk;k x;k rFkk orZeku esa ;g 8oha ckj cnyk x;k gSA
(vi) thMhih dh x.kuk cktkj ewY; (M.P.) esa dh tkrh gSA
cktkj ewY; (M.P.) = dkjd ykxr $ vizR;{k dj (th,lVh) $ lfClMh
dkjd ykxr mRiknu ds dkjdksa dh ykxr dks dgrs gSaA
ekfSnd
z thMhih (enqkzLiQhfr dks tkMs+dj)
mRiknu ds 4 dkjd gSa&
okLrfod thMhih (vk/kj o"kZ ds eYw; ea)s
1- tehu (fdjk;k &ykxr) 2- Je (ykxr&osru)
3- lEifÙk (ykxr& C;kt) 4- O;olk;h (ykxr & ykHk)
dkjd ykxr ¾ fdjk;k $ osru $ C;kt $ ykHk
cktkj ewY; (M.P.) = dqy dkjd ykxr $ vizR;{k dj (th,lVh) $ lfClMh
(vii) thMhih dk vkdyu fLFkj ewY; esa cktkj ewY; esa fd;k tkrk gSA
• ewY; nks izdkj dk gksrk gS& fLFkj ewY; vkSj pkyw ewY;A
• tc ewY; dks eqnzkLiQhfr ls tksM+k tkrk gs rks mls pkyw ewY; dgrs gSa vkSj tc ewY; dks fcuk eqnzk LiQhfr dks tksM+s fudkyk tkrk
gS rks mls fLFkj ewY; dgrs gSa (vk/kj o"kZ esa fudkys x, ewY; dks fLFkj ewY; dgrs gSa)
vr% thMhih dks fLFkj ewY; esa (2011&12 esa) cktkj ewY; esa fudkyk tkrk gSA
∴ thMhih voLiQhfr vkSj okLrfod thMhih esa foijhr lEcU/ ik;k tkrk gSA
• voLiQhfr okLrfod eqnzkLiQhfr dh nj dks fn[kkrk gS vFkkZr~ blls irk pyrk gS fd thMhih esa gksus okyh o`f¼ fdl nj ls c<+us
okyh eqnzkLiQhfr ds dkj.k gqbZ gSA
/heh o`f¼ nj % ;fn thMhih dh o`f¼ nj xr o"kZ ds thMhih ls de jgs vkSj ;g fLFkfr yxkrkj cuh jgs rks bls /heh o`f¼
nj dgrs gSaA tSls& 10»] 9»] 8»] 7» bR;kfn
ladqpu % tc thMhih o`f¼ nj xr o"kZ dh rqyuk esa udkjkRed gks tk;s vkSj ;g fLFkfr yxkrkj rhu ekg rd pys rks bls ladqpu
dgsaxs vkSj yxkrkj 6 ekg rd pys rks eUnh dgsaxs vkSj ;fn ;gh fLFkfr yxrkj 1 lky jgs rks bsl egkeanh dgrs gSaA
Melt Down : tc 'ks;j cktkj esa yxkrkj fxjkoV vkrh gS rks bls Melt Down dgrs gSaA
thMhih o`f¼ nj vkadM+k
2012&13 % 5-6»
2013&14 % 6-6»
2014&15 % 7-2»
2015&16 % 7-6»
2016&17 % 7-1»
• th,uih % ns'k ds ukxfjdksa }kjk mRikfnr oLrq vkSj lsokvksa dk (,d o"kZ esa) vfUre ekSfnzd ewY; th,uih dgykrk gSA
• th,uih esa dsoy ns'k ds ukxfjd 'kkfey gksrs gSaA
1- tks ns'k esa jg dj mRiknu dj jgs gSaA
2- tks ckgj jgdj ns'k ds fy, vk; vftZr dj jgs gSaA
3- th,uih ¾ GDP + NFIA (Net Fector Income from Abroad)
NFIA = X – M
X = Hkkjr ds yksx tks fons'kksa esa dek jgs gSaA
M = fons'kh yksx tks Hkkjr esa vk; vftZr dj jgs gSaA
1- ;g t:jh ugha fd th,uih ges'kk thMhih ls T;knk gksxk vxj X–M ½.kkRed gqvk rks th,uih] thMhih ls de gks tk;sxkA
2- vxj thMhih ¾ th,uih gks tk;s (eryc u rks vk;kr gks jgk gS u rks fu;kZr rks ,slh vFkZO;oLFkk dks can vFkZO;oLFkk dgsaxsA
ewY;âkl % oLrqvksa dh VwV&iwQV ;k f?klkoV dks ewY;ßkl dgk tkrk gSA
GNP–(MP) ewY; ßkl ¾ NNP(MP)
NNP – vizR;{k dj $ lfClMh ¾ NNP(F.C)
NNP(F.C) dks jk"Vªh; vk; dgrs gSaA
30 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
dh tcfd oSKkfud vk/kj ij ,uúvkbZú dh x.kuk djus okys izFke O;fDr 1931&32 esa ohúdsú jko FksA 1949 esa jk"Vªh; vk;
lfefr dk xBu fd;k x;k ftlds vè;{k iz'kkUr egkyuksfcl Fks ftUgksaus lhú,lúvksú dh izLrkouk dk lq>ko fn;k FkkA
jk"Vªh; vk; dh x.kuk fof/ & rhu fof/;k¡
1- vk; fof/
2- O;; fof/
3- mRikn x.kuk fof/
1- vk; fof/ % vk; fof/ esa mRiknu ds dkjd ls gksus okyh vk; dks tksM+rs gSa&
tehu ls vk; & fdjk;k$
Jfed dks vk; & osru$
iwath ls vk; & C;kt$
m|eh ls vk; & ykHk$
fdjk;k $ osru $ C;kt $ ykHk
blesa vizR;{k dj tksM+us vkSj lfClMh ?kVkus ij cktkj ewY; ij ,uúvkbZú izkIr gksrk gSA
2- O;; fof/ % ;g rjhdk bl fl¼kUr ij dk;Z djrk gS fd lHkh mRikn (oLrq $ lsok;sa) fdlh u fdlh ds }kjk [kjhnk tk;sxkA
O;; fof/ ¾ C + I + G +( X–M)
C = futh mi;ksx ds fy, O;fDr }kjk [kjhnuk
I = fuos'k
G = ljdkjh [kpZ
X = fu;kZr
M = vk;kr
3- mRikn x.kuk fof/ % bl fof/ dks ldy ewY; o/Zu Hkh dgk tkrk gSA blesa ns[kk tkrk gS fd izR;sd pj.k esa ewY;o/Zu fdruk
gqvk gSA
• jk"Vªh; vk; dh x.kuk esa mRikn fof/ vkSj vk; fof/ ds lfEeJ.k dk iz;ksx fd;k tkrk gSA
• 2015 esa lhú,lúvksú us thMhih ds LFkku ij thoh, (ldy ewY;o/Zu) ij vk/kfjr ,uúvkbZú dh x.kuk dks izkjaHk fd;kA
blds rhu eq[; ?kVd gSa&
1- {kfriwfrZ
2- fefJr vk;
3- fLFkj iwath dk miHkksx
ewy dherksa ij thúohú,ú ¾ {kfriwfrZ $ fefJr vk; $ fLFkj iwath dk miHkksx $ mRiknu dj µ mRiknu lfClMh
∑ thúohú,ú ¾ ewy dherksa ij thúohú,ú µ mRiknu dj $ mRiknu lfClMh
thúohú,ú vkSj thúMhúihú esa vUrj
thúMhúihú ¾ thúohú,ú $ vizR;{k dj (th,lVh) µ lfClMh
cpr nj % ns'k dh dqy vk; dk ftruk fgLlk miHkksx ds ckn cpk;k tkrk gS mls cpr dgk tkrk gSA cpr eq[;r% rhu {ks=kksa
ls vkrk gS&
1- lkoZtfud {ks=k
2- futh dEiuh
3- ?kjsyw ifjokj
32 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
9- Hkqxrku larqyu
• Hkkjr ds lsok {ks=k esa fu;kZr 2001 esa 16-8 fcfy;u MkWyj Fkk tks 2014 esa c<+dj 155 fcfy;u MkWyj gks x;k gSA yxHkx 10
xquk o`f¼ fiNys 15 o"kks± esa ikbZ xbZ gSA (MCY;wVhvks ds vuqlkj)
• Hkkjr ds lsok {ks=k esa o`f¼ nj
2013&14 % 7-8»
2014&15 % 10-3»
2015&16 % 9-2»
• MCY;wVhvks ds vuqlkj 2015 esa Hkkjr dk oLrq fu;kZr oSf'od fu;kZr dk 1-6» Fkk tks 2015&16 esa c<+dj 1-7» ds Lrj ij igqp
¡ x;kA
• oLrq vkSj lsok feykdj Hkkjr dk oSf'od fu;kZr esa fgLlk yxHkx 2» gS ftls fons'k O;kikj uhfr 2015&20 esa ljdkj dk y{;
c<+kdj 3-5» djuk gSA ljdkj fu;kZr dks 2020 rd 900 fcfy;u MkWyj djus dk y{; j[kk gSA
34 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
• blls Hkh vxj pkyw [kkrk ?kkVk iwjk ugha gksrk rks ljdkj ds ikl nks fodYi gksrs gSa&
1- fons'kh eqnzk HkaMkj (Forex) ls Lo.kZ dh fcØh
2- vkbZ,e,iQ ls vYidkfyd ½.k
• Hkkjr ds O;kikj esa ,f'k;k vkSj vÚhdk ns'kksa ds lkFk fiNys nl o"kks± esa yxkrkj o`f¼ gks jgh gS (,f'k;k ds lkFk O;kikj 50»
ds ikj pyk x;k] lcls T;knk O;kikj ;w,bZ ds lkFk) ogha vesfjdk vkSj ;wjksi ds lkFk fiNys 10 o"kks± esa O;kikj esa deh vkbZ
gSA
pkyw [kkrk ?kkVk (CAD)
• fdlh ns'k dh fons'kksa esa vftZr vk; ds Åij mlds }kjk fons'kksa esa fd, tkus okys [kpZ dk vkf/D;A
• fons'kh eqnzk ds vUrZizokg ds Åij cfgizZokg dk vkf/D;
• 2017&18 ds ctV esa ljdkj us FIPB (Foreign Investment Promotion Board) dks FIPB
gVkus dk iSQlyk fy;k gS& • LFkkiuk % 1991
1- fons'kh fuos'k dks vkSj ljyhdj.k djus ds fy, • 2003 ea bls foÙk ea=kky;
2- 92» fons'kh fuos'k Lopkfyr ekxZ ls vkrk gSA ds v/hu yk;k x;kA
Hkkjr dk fons'kh ½.k
• fons'kh ½.k ds vkadM+s vkfFkZd ekeyksa ds foHkkx (foÙk ea=kky;) }kjk tkjh fd, tkrs gSaA
• foÙk ea=kky; fons'kh ½.k ds vkadM+s dks lky esa nks ckj (izR;sd 6 ekg) esa fudkyrk gSA
• Hkkjr ljdkj ds ½.k nks izdkj ds gksrs gSa& vYidkfyd vkSj nh?kZdkfyd ftlesa 83» nh?kZdkfyd ½.k gksrk gS rFkk 17»
vYidkfyd gksrk gSA vFkkZr~ ljdkj ij C;kt Hkqxrku dk cks> ges'kk cuk gqvk jgrk gS ftlls ljdkj dk jsosU;w fMfiQflV (jktLo
?kkVk) c<+rk gS vkSj izkFkfed ?kkVk Hkh c<+rk gSA
• ekpZ&viSzy 2016 dh rqyuk esa vxLr&flrEcj 2016 esa ljdkj ds fons'kh ½.k esa deh vkbZ (0-8 fcfy;u MkWyj) tks orZeku
esa 484 fcfy;u MkWyj gSA
blh deh dk eq[; dkj.k&
vYidkfyd ½.kksa esa deh vkbZ tcfd blh le; esa nh?kZdkfyd ½.k esa o`f¼ vkbZ ftldk izeq[k dkj.k&
(a) fons'kh okf.kfT;d m/kjh esa o`f¼
(b) ,uvkjvkbZ tekvksa esa o`f¼
fons'kh okf.kfT;d m/kjh dk vFkZ gS tc futh dEiuh ljdkj dh enn ls vius okf.kfT;d mís'; ds fy, fons'kksa ls ½.k ysA
fons'kh ½.k esa ewY;u izHkko (valuation effect) ik;k tkrk gS ftldk vFkZ gS fd fons'kh ½.k dks vusd eqnzkvksa esa O;Dr fd;k
tkrk gSA ftlesa lcls T;knk &
1- Hkkjrh; #i;k
2- ,lMhvkj
36 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
3- ;w,l MkWyj
4- tkikuh ;su
Hkkjr ljdkj ds fons'kh ½.k esa lcls T;knk fgLlk Øe'k% ?kVrs Øe esa&
1- cká okf.kfT;d m/kjh & 37»
2- ,uvkjvkbZ tek;sa & 25»
3- ljdkjh ½.k & 18»
4- fj;k;rh ½.k & 8»
• Hkqxrku larqyu Hkkjr dk lkekU; :i ls ges'kk izfrdwy gksrk gS D;ksafd pkyw [kkrk ?kkVk ges'kk T;knk jgrk gSA
• ys[kkadu dh n`f"V ls Hkqxrku larqyu ges'kk larqfyr jgrk gS D;ksafd dqy MsfcV ¾ dqy ØsfMVA
• ;g fons'kh eqnzk ds vUrizZokg vkSj cfgiZzokg ij fuHkZj djrk gSA
38 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
Hkkjr ljdkj dk ctV lnSo ?kkVs dk ctV gksrk gS D;ksafd ljdkj dk dqy [kpZ] mldh izkfIr ls ges'kk T;knk gksrk gS D;ksafd&
(i) vk/kjHkwr lajpuk esa lcls T;knk fuos'k ljdkj gh djrh gSA
(ii) lkekftd {ks=k vkSj fiNM+s gq, lewg ds iqu:¼kj ds fy, lcls T;knk [kpZ ljdkj djrh gSA
ljdkj orZeku esa dbZ vkfFkZd lq/kj dj jgh gS D;ksafd ljdkj vius ?kkVs ds ctV dks larqfyr ctV esa ifjofrZr djuk pkgrh
gSA
lq/kj
1- th,lVh dks ykxw djukA
2- vk;dj LySc esa ifjorZu djukA
3- vk; izdVu ;kstuk vkSj xjhc dY;k.k ;kstuk tSlh ;kstukvksa dks ykdj v?kksf"kr laifÙk dsk dj ds nk;js esa ykuk pkgrh
gSA blls ljdkj dh vk; c<+sxhA
• nwljh rjiQ vius [kpZ dks de djus ds fy, ljdkj dqN egRoiw.kZ cnyko dj gh gSA tSls&
(i) MhchVh dks gj ;kstuk esa izHkkoh cukukA
(ii) lfClMh yhdst dks de djuk (^igy* vkSj 'give it up' ;kstuk }kjk)
(iii) isVªksfy;e $ Mhty dks cktkj ewY; esa NksM+ukA (Hkfo"; esa dsjksflu dks gh cktkj ewY; esa NksM+uk)
?kkVs ds izdkj
1- izHkkoh jktLo % dqy jktLo [kpZ&dqy jktLo izkfIr
2- izHkkoh jktLo ?kkVk % jktLo ?kkVk& dsUnz ljdkj }kjk jkT;ksa dks fn, x, vuqnku ftldk iz;ksx jkT; ljdkj laifÙk ds fuekZ.k
esa djs (jktLo ?kkVk&iwathxr vfLr laca/h vuqnkuA) bls 2011&2012 ls izkjaHk fd;k x;k fdUrq 14osa foÙk vk;ksx us bls lekIr
djus dh ckr dgh gS] D;ksafd ;s vUrjkZ"Vªh; fu;eksa ls esy ugha [kkrkA
3- ctVh; ?kkVk % ;g ?kkVk jktLo vkSj iwathxr nksuksa izdkj ds dqy O;; vkSj dqy izkfIr (jktLo vkSj iwathxr) dk varj gksrk
gSA bl ?kkVs dks ljdkj ubZ gqaMh (ljdkjh izfrHkwfr) tkjh djds@vkjchvkbZ ds ikl Adhoc Tresury Bill ls iwjk djrh gSA ctVh;
?kkVs ls eqnzk dh vkiwfrZ esa o`f¼ gksrh gSA
1997 ls vkjchvkbZ us Adhoc Tresury Bill ij jksd yxk nh vkSj mldh txg ways & Means advance vFkksZik; vxzhe dks
'kq: fd;kA bl fLFkfr esa ctVh; ?kkVs dks 'kwU; eku fy;k tkrk gS rFkk dqy izkfIr vkSj dqy [kpZ dks cjkcj dj fn;k tkrk gSA
4- jktdks"kh; ?kkVk % ;g ctV esa ?kkVs dk izeq[k ekinaM gSA vkbZ,e,iQ vkSj oYMZ cSad jktdks"kh; ?kkVs ds :i esa ctV ds y{;
fu/kZfjr djrh gSA
jktdks"kh; ?kkVk
1- jktdks"kh; ?kkVk % dqy [kpZ (jktLo vkSj iwathxr) µ ¹dqy izkfIr (jktLo vkSj iwathxr) µ ljdkjh ½.k dks NksM+djº
2- dqy [kpZ µ (dqy izkfIr µ ljdkjh ½.k)
3- (jktLo [kpZ $ iwthxr [kpZ) µ ¹jktLo izkfIr $ (iwathxr izkfIr µ ljdkjh ½.k)º
4- dqy ctVh; ?kkVk $ ljdkjh nkf;Ro (½.k)
5- ldy izkFkfed ?kkVk $ C;kt Hkqxrku
5- izFkfed ?kkVk % ;g ljdkj }kjk fy, x, ½.k ij mlds C;kt nkf;Ro@C;kt ns;rk dks iznf'kZr djrk gSA
1- ldy izkFkfed ?kkVk ¾ jktdks"kh; ?kkVk µ C;kt Hkqxrku
2- fuoy izkFkfed ?kkVk ¾ ldy izkFkfed ?kkVk $ C;kt izkfIr
6- ekSfnzd ?kkVk % jktdks"kh; dk og Hkkx ftldh vkiwfrZ ljdkj dsoy vkjchvkbZ ls ½.k ysdj djs ,slk djus ij vkjchvkbZ ds
ikl ljdkjh izfrHkwfr;ksa dh ek=kk c<+rh tkrh gSA
40 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
ljdkj dh izkfIr vkSj [kpZ (ctV esa)
ljdkj dks ;fn 1 #i;s izkIr gksrk gS rks mlesa ljdkj [kpZ djrh gS
1- 19 iSlk& ½.k ls 1- 24 iSlk& djksa vkSj 'kqYdksa esa jkT;ksa dk fgLlksa
2- 19 iSlk & fuxe dj 2- 18 iSlk& C;kt dk Hkqxrku
3- 16 iSlk & vk;dj ls 3- 11 iSlk&dsUnz izk;ksftr ;kstuk
4- 14 iSlk& dsUnzh; mRikn 'kqYd ls 4- 9 iSlk& j{kk ij
5- 10 iSlk &lsok dj
jktdks"kh; mÙkjnkf;Ro ctVh; dkuwu 2003 (,iQvkjch,e ,DV 2003)
;g ljdkj }kjk cuk;k x;k ,d vuq'kkflr iFk gS] ftldks ikyu dj ljdkj vius jktLo vkSj jktdks"kh; ?kkVs dks U;wure lhek
rd ykuk pkgrh gSA bldk izkjaHk ljdkj us 2006&07 esa fd;k tcfd bls chp esa gh can djuk iM+kA 2014&15 esa bls fiQj izkjaHk
fd;k x;kA
jktdks"kh; ?kkVs dk y{;
2014&15 % 4-1»
2015&16 % 3-9»
2016&17 % 3-5» (3-2» orZeku esa)
2017&18 % 3»
jktLo ?kkVs dk y{;
2018&19 rd de djds 0-9» rd ykuk gS rFkk izHkkoh jktLo ?kkVs dks 'kwU; djuk gSA izkFkfed ?kkVs dks ,iQvkjch,e ds vUrxZr
'kkfey ugha fd;k tkrk gSA
,iQvkjch,e esa lq/kj ds fy, ljdkj us 2016&17 esa ,uúdsú flag desVh dk xBu fd;k gSA
42 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
okf.kfT;d mM+kuksa gsrq gokbZ vM~Mksa dh la[;k 2016 ds 77 ls c<+kdj 2019 rd 127 djuk rFkk dkxksZ (ekyokgu) ek=kk dks
4 xquk c<+kdj 2027 rd 10 fefy;u Vu djuk 'kkfey gSA
• lkFk gh bl uhfr esa vke vkneh rd foeku lsokvksa dks lqyHk cukus (^{ks=kh; la;kstdrk ;kstuk* ds rgr 2]500 #i;s izfr ?kaVs
dh nj ls mM+ku dh lqfo/k)] xzhu iQhYM gokbZ vM~Mksa ,oa gsfyiSMksa dk fodkl djus] Hkkjr dks foekuu j[kj[kko ds lanHkZ esa
nf{k.k ,f'k;k dk gc cukus] ukxj foekuu {ks=k esa ^esd bu bafM;k* dks izksRlkfgr djus ds lkFk 2025 rd bl {ks=k esa xq.koÙkk
izekf.kr 3-3 yk[k dq'ky dkfeZdksa dh miyC/rk lqfuf'pr djus dh Hkh ckr dgh xbZ gSA
• bl uhfr esa lkdZ ns'kksa vkSj fnYyh ls 5]000 fdehú nwjh rd ds ns'kksa ds lkFk ikjLifjd vk/kj ij ^vksiu LdkbZ ikfylh* dh
O;oLFkk ykxw fd;k tkuk Hkh 'kkfey gSA
vkbZúvkbZú,iQú,eú dk jk"Vªh; ou uhfr izk:i
• ebZ] 2016 esa Hkksiky fLFkr Hkkjrh; ou izca/u laLFkku (IIFM : Indian Institute of Forest Management) }kjk ubZ jk"Vªh; ou
uhfr gsrq izk:i (Draft) dsUnzh; ou ,oa i;kZoj.k ea=kky; ds le{k izLrqr fd;k x;kA
• vkbZúvkbZú,iQú,eú ds bl ou uhfr izk:i ds rgr ns'k ds U;wure ,d&frgkbZ HkkSxksfyd {ks=k (ioZrh; {ks=kksa esa nks&frgkbZ Hkkx)
dks oukoj.k ,oa o`{kkoj.k ds rgr ykus ds loZLohÑr jk"Vªh; y{; dks cuk, j[kk x;k gSA
• blesa okfudh {ks=k gsrq foÙkh; lalk/u tqVkus rFkk ikfjfLFkfrdh; :i ls mÙkjnkf;Roiw.kZ O;ogkj ds lao/Zu gsrq ^gfjr dj* (Green
Tax) yxk, tkus dk izLrko fd;k x;k gSA
• bl ouuhfr izk:i esa ekuo&oU;tho la?k"kZ dks jksdus gsrq orZeku ou Hkwfe dks lajf{kr fd, tkus rFkk ou Hkwfe ds vkS|ksfxd
ifj;kstukvksa gsrq gLrkarj.k dh fLFkfr esa izkIr fuf/;ksa dk mi;ksx dj xSj&ou Hkwfe ij oU; thoksa gsrq lqjf{kr dkWfjMksj cuk, tkus
dh ckr dgh xbZ gSA mYys[kuh; gS fd ljdkj ds vkdyu ds vuqlkj] izR;sd o"kZ 100 gkfFk;ksa vkSj 400 ekuo thou ls vf/
d dh {kfr ekuo&oU;tho la?k"kks± ds dkj.k gksrh gS rFkk blls iQlyksa dks Hkh cgqr gkfu igq¡prh gSA
• bl izk:i esa ljdkjh LokfeRo okys ouksa ds ,d&frgkbZ dks vxys n'kd ds var rd lkeqnkf;d ou izca/u O;oLFkk ds rgr yk,
tkus gsrq dgk x;k gSA lkFk gh Ñf"k okfudh dks c<+kok nsdj ouksa ds ckgj o`{kkjksi.k ds Lrj dks vyxs n'kd ds var rd c<+kdj
nks xquk djus dh Hkh ckr blesa dgh xbZ gSA
• blesa ou izca/u dks tyok;q ifjorZu mi'keu ds lkFk lesfdr djus rFkk vxys n'kd ds var rd ouksa ,oa o`{kksa }kjk i`Fkd
fd, x, dkcZu&MkbvkWDlkbM lerqY; dh ek=kk dks ,d&frgkbZ c<+kus gsrq dk;Z djus ij tksj fn;k x;k gSA
• bl izk:i esa ljdkj ls ydM+h ds laoguh; ,oa fVdkÅ mi;ksx dks c<+kok nsus rFkk ydM+h vk/kfjr m|ksxksa ds fy, fdlkuksa }kjk
Bsdk vk/kfjr o`{kksa dh Ñf"k O;oLFkk dks izksRlkfgr djus ds fy, dgk x;k gSA
• vkbZúvkbZú,iQú,eú }kjk izLrqr bl ou uhfr izk:i esa jk"Vªh; ckfudh cksMZ vkSj jkT; okfudh cksMks± dh LFkkiuk fd, tkus rFkk
dk;Z;kstukvksa dh fn'kk] y{;ksa ,oa xfrfof/;ksa dh le;c¼ varj&ea=kky;h leh{kk fd, tkus dk izLrko j[kk x;k gSA
• vkbZúvkbZú,iQú,eú ds bl izk:i dks dsUnzh; ou ,oa i;kZoj.k ea=kky; dh osclkbV ij 15 twu] 2016 dks izLrqr fd;k x;k
Fkk ijUrq ckn esa bls gVk fy;k x;k Fkk 25 twu] 2016 dks ea=kky; }kjk foKfIr tkjh dj dgk x;k fd ;g vf/dkjh jk"Vªh;
ou uhfr dk elkSnk ugha gS cfYd ;g vkbZúvkbZú,iQú,eú }kjk bl lanHkZ esa izLrqr vè;;u fjiksVZ gh gSA ea=kky; ds vuqlkj 1988
dh jk"Vªh; ou uhfr dk LFkku ysus gsrq ubZ jk"Vªh; ou uhfr dk vkf/dkfjd elkSnk bl lanHkZ esa fofHkUu fgr/kjdksa ls lykg ds
ckn izLrqr fd;k tk,xkA
ubZ jk"Vªh; eRL;;u uhfr
• uhyh Økafr (Blue Revolution) ds ekè;e ls ns'k ds eRL; vkSj eRL; mRikn fu;kZr dks 2014&15 ds 23]441 djksM+ #i;s ls
c<+kdj vxys 5 o"kks± esa 1 yk[k djksM+ #i;k ds Lrj ij igq¡pkus dk egRokdka{kh y{; j[kk x;k gSA
• bl uhfr ds rgr ;g y{; ^eRL;u ds ,dhÑr fodkl ,oa izca/u gsrq vkewy ;kstuk ds fØ;kUo;u ds ekè;e ls izkIr fd;k
tk,xkA bl mís'; dh izkfIr gsrq futh {ks=k dks Hkh 'kkfey fd;k tk,xkA
44 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
jk"Vªh; ckSf¼d laink vf/dkj (IPR) uhfr
• 12 ebZ] 2016 dks dsUnzh; eaf=keaMy }kjk ^jk"Vªh; ckSf¼d laink vf/dkj uhfr* (National Intellectual property Rights- IPR
Policy) dks LohÑfr nh xbZA
• jk"Vªh; ckSf¼d laink vf/dkj (IPR) uhfr ^jpukRed Hkkjr] vfHkuo Hkkjr* (Creative India : Innovative India) dh miyfC/
gsrq iz;kl djsxhA jk"Vªh; vkbZihvkj uhfr ns'k esa l`tukRed vkSj vfHkuo ÅtkZvksa ds ckgqY; dks Lohdkj djrs gq, bu ÅtkZvksa
ds lHkh ds csgrj vkSj mTtoy Hkfo"; gsrq mi;ksx dh vko';drk ij cy nsrh gSA
• jk"Vªh; vkbZihvkj uhfr ds rgr fuEufyf[kr 7 y{; fu/kZjr fd, x, gS&
(i) vkbZihvkj tkx:drk % igq¡p ,oa izksRlkgu] lekt ds lHkh oxks± ds chp ckSf¼d laink vf/dkjksa ds vkfFkZd] lkekftd ,oa
lkaLÑfrd ykHkksa ds izfr tkx:drk mRiUu djukA
(ii) vkbZihvkj dk l`tu % ckSf¼d laink vf/dkjksa ds l`tu dks izksRlkfgr djukA
(iii) fof/d ,oa fo/k;h <kapk % lqn`<+ ,oa izHkkoh vkbZihvkj dkuwuksa dks viukuk] tks foLrkfjr yksd fgr ds lkFk vkbZihvkj
Lokfe;ksa ds fgrksa dks larqfyr djsaA
(iv) iz'kklu ,oa izca/u % lsok&mUeq[k vkbZihvkj iz'kklu dk vk/qfudhdj.k ,oa lqn`<+hdj.kA
(v) vkbZihvkj dk O;olk;hdj.k % O;olk;hdj.k ds ekè;e ls ckSf¼d laink vf/dkjksa dk visf{kr ewY; izkIr djukA
(vi) izorZu ,oa U;k;fu.kZ;u % vkbZihvkj mYya?kuksa ds ekeyksa dk eqdkcyk djus gsrq izorZu ,oa U;k;fu.kZ;u iz.kkfy;ksa dks lqn`<+
djukA
(vii) ekuo iwath dk fodkl % vkbZihvkj ds lanHkZ esa ekuo lalk/uksa] laLFkkuksa vkSj f'k{k.k] izf'k{k.k] vuqla/ku ,oa dkS'ky fuekZ.k
gsrq {kerkvksa dks lqn`<+ ,oa foLrkfjr djukA
• jk"Vªh; vkbZihvkj uhfr ds rgr fu/kZfjr mi;qZDr y{;ksa dks foLr`r dk;Z iz.kkfy;ksa ds ekè;e ls izkIr fd;k tk,xkA bl uhfr ds
rgr leUo;] funsZ'ku ,oa fØ;kUo;u dh ns[k&js[k vkSj Hkkjr esa vkbZihvkj ds Hkkoh fodkl gsrq vkS|ksfxd uhfr ,oa lao/Zu foHkkx
(DIPP) uksMy foHkkx cuk;k x;k gSA
• mYys[kuh; gS fd oSf'od ckSf¼d laink dsUnz (GIPC) }kjk iQjojh] 2016 esa fo'o esa vkbZihvkj ds laj{k.k dh fLFkfr ij tkjh
fjiksVZ ds rgr 38 ns'kksa ds fy, izLrqr ckSf¼d laink vf/dkj lwpdkad (IPR Index) esa Hkkjr dk 37oka LFkku (2015 esa 30 ns'kksa
dh lwph esa 29oka LFkku) FkkA bl lwpdkad esa vesfjdk 'kh"kZ LFkku ij gS tcfd fczVsu dk nwljk vkSj teZuh dk rhljk LFkku gSA
gfjr jktekxZ uhfr] 2015
• 29 flrEcj] 2015 dks dsUnzh; lM+d ifjogu ,oa jktekxZ rFkk tgktjkuh ea=kh fufru xMdjh }kjk ubz fnYyh esa ^fjr jktekxZ
(o`{kkjksi.k] izfrjksi.k] lkSan;Zdj.k ,oa vuqj{k.k) uhfr] 2015* [Green Highways Plantation, Transplantation, Beautificatin
& Maintenance) Policy, 2015] dk 'kqHkkjaHk ns'k esa gfjr jktekxks± ds fodkl ij jk"Vªh; lEesyu ds nkSjku fd;k x;kA
• gfjr jktekxZ uhfr dk mís'; leqnk;ksa] fdlkuksa] futh {ks=k] xSj ljdkjh laxBuksa vkSj ljdkjh laLFkkuksa dh Hkkxhnkjh ds lkFk jktekxZ
dkWfjMksjksa esa gfj;kyh dks laof¼Zr djuk gSA
• bl uhfr ds rgr lHkh jktekxZ ifj;kstukvksa dh dqy ykxr dk 1 izfr'kr jktekxks± ij o`{kkjksi.k vkSj muds j[kj[kko ds fy,
i`Fkd j[kk tk,xk ftlls izfro"kZ o`{kkjksi.k gsrq yxHkx 1000 djksM+ #i;s ^gfjr jktekxZ fuf/* (Green Highways Fund) ds
fy, miyC/ gks ldsaxsA
• bl uhfr ds rgr Hkkjrh; varfj{k vuqla/ku laxBu (ISRO) dh ^Hkwou* (Bhuvan) vkSj ^xxu* (GAGAN) mixzg vk/kfjr
iz.kkfy;ksa dk mi;ksx djrs gq, l'kDr fuxjkuh O;oLFkk ykxw dh tk,xhA
jk"Vªh; virVh; iou ÅtkZ uhfr] 2015
• 9 flrEcj] 2015 dks dsUnzh; eaf=keaMy }kjk ^jk"Vªh; virVh; iou ÅtkZ uhfr* (National Offshore Wind Energy Policy),
2015' dks LohÑfr iznku dh xbZA
46 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
vk;q vkSj@;k dkj.kksa }kjk e`R;q nj
1- 2025 rd ik¡p o"kZ ls de vk;q ds cPpksa esa e`R;q nj dks de djds 23 djuk rFkk ,e,evkj ds orZeku Lrj dks 2020
rd ?kVkdj 100 djukA
2- uotkr f'k'kq e`R;q nj dks ?kVkdj 16 djuk rFkk e`r&tUe ysus okys cPpksa dh nj dks 2025 rd ?kVdj ,d vad esa ykukA
jksxksa dh O;kIrrk@?kVukvksa esa deh ykuk
1- 2018 rd dq"B jksx 2017 rd dkyktkj rFkk 2017 rd LFkkuh; egkekjh okys {ks=kksa esa fyEisQfVd fiQykfj,fll dk mUewyu
djuk rFkk bl fLFkfr dks cuk, j[kukA
2- {k;jksx ds u, LiqVe ikftfVo jksfx;ksa esa 85» ls vf/d dh bykt nj dks izkIr djuk vkSj mls cuk, j[kuk rFkk u, ekeyksa
dh O;kIrrk esa deh ykuk rkfd 2025 rd blds mUewyu dh fLFkfr izkIr dh tk ldsA
3- 2025 rd n`f"Vghurk dh O;kIrrk dks ?kVkdj 25@1000 djuk rFkk jksfx;ksa dh la[;k dks orZeku Lrj ls ?kVkdj ,d&frgkbZ
djukA
4- ân;okfgdk jksx] dSalj] e/qesg ;k lkal ds iqjkus jksxksa ls gksus okyh vdky e`R;q dks 2025 rd ?kVkdj 25» djukA
jk"Vªh; LVhy uhfr 2017
• ns'k esa LVhy mRiknu dks c<+kok nsus vkSj LVhy ds vk;kr dks de djus ds fy, ljdkj LVhy uhfr 2017 ysdj vkbZ gSA
• Hkkjr dks LVhy mRiknu esa oSf'od gc ds :i esa cukus dk mís';A
• orZeku esa Hkkjr LVhy mRiknu esa fo'o esa rhljk LFkku j[krk gSA
• LVhy uhfr dk mís'; 2030 rd 300 fefy;u Vu LVhy mRiknu dk y{; j[kk x;k gSA
• blds fy, 10 yk[k djksM+ #i;s dh t:jr ljdkj dks iM+sxhA
• LVhy uhfr fØ;kfUor gksus ij 11 yk[k yksxksa dks jkstxkj miyC/ gksxkA
• csjkstxkjh nj ¾
48 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
• laxfBr {ks=k esa jkstxkj esa efgykvksa dk fgLlk rhu o"kks± ds fy, yxHkx 20» FkkA
Je C;wjks ds =kSekfld losZ 2017 ds vuqlkj
1- ns'k ds vkB vk/kjHkwr m|ksxksa esa dqy jkstxkj 285 yk[k vuqekfur fd;k x;k gSA
2- blesa 98» Jfed rFkk ek=k 2» Lojkstxkj izkIr Jfed gSA
3- 81» fu;fer Jfed] 13» lafonk okys Jfed rFkk 5» vukSipkfjd Jfed FksA
• fofuekZ.k {ks=k esa Jfedksa dh lokZf/d fgLlsnkjh (49») nwljs LFkku ij f'k{kk (24»)
• fyax vk/kfjr Jfedksa esa 148 yk[k iq#"k Jfed (72») rFkk 'ks"k 57 yk[k efgyk Jfed (28») gSA
• efgyk Jfed lokZf/d f'k{kk ds {ks=k esa (49») nwljs f'k{kk esa jkstxkj (48») gSA
vUrjkZ"Vªh; Je laBu (vkbZú,yúvksú) us 2016 esa ,d fjiksVZ tkjh dh ftlds vuqlkj
• Hkkjr esa csjkstxkjh dh la[;k 2016 esa 17-7 fefy;u ls c<+dj 2018 esa 18 fefy;uA csjkstxkjh nj 3-5» (2017&18 esa)
• oSf'od csjkstxkjh esa o`f¼ 5-7» (2016) ls 5-8» (2017 esa)
fiQfyIl oØ
• csjkstxkjh nj vkSj eqnzkLiQhfr ds chp foijhr lEca/
50 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
3- thou Lrj & 1- fo|qr
2- is;ty
3- LoPNrk
4- iQ'kZ
5- Hkkstu idkus dk bZ/u
6- vfLr;ka
lkis{k xjhc
& vk; dh fo"kerk ds vuqlkj
nks ekid
1- ykjsat oØ & ;g ,d T;kehrh; (Graphical) fof/ gSA
& lafpr vk; vkSj lafpr tula[;k ij
& fujis{k js[kk tgka vk; tula[;kuqlkj gksA ;g lekurk dks fn[kykrk gSA
& ykjsat oØ /uq"kkdkj vkd`fr ds :i esa
& ykjsat oØ ftruk fujis{k js[kk ds lkeus & lekurk esa o`f¼
& ykjsat oØ ftruk fujis{k js[kk ls nwj vlekurk esa o`f¼
2- fxuh xq.kkad & x.khrh; fof/
& dSydqyl fof/ ls
& 0 vkSj 1 ds chp
& 0& fujis{k lekurk
1& fujis{k vlekurk
& Hkkjr dk fxuh xq.kkad 0-33 gSA
& oSf'od fu/Zurk ij fo'o cSad }kjk vDVwcj 2015 esa uohure vkdyu tkjh fd;s x;sA bu vkdyuks ds rgr o"kZ 2015 esa
igyh ckj fo'o esa vfr'k; xjhch dh fLFkfr esa jgus okys yksxksa dh la[;k fo'o tula[;k ds 10 izfr'kr ds uhps vkdfyr fd;k
x;kA
& 2011 ds ewY;ksas ij 1-90 MkWyj dks vk/kj cukdj
& 2015 esa 12-8» (2012 esa) ls ?kj 9-6» jgus dk vuqeku
& 2015 esa milgkjk vizQhdk vkSj nf{k.k ,f'k;k esa lfEefyr :i ls oSf'od fu/Zu dk yxHkx nks frgkbZ Hkkx jgrs gSaA
& lrr fodkl y{; (2015&30) esa 2030 rd fo'o ls gj izdkj dh xjhch mUewyu dk y{; j[kk x;k gSA
;wfuolZy csfld bude (UBI)
• ;wchvkbZ ns'k ds izR;sd ukxfjd dks fcuk fdlh 'krZ ds ,d ^U;wure csfld vk;* nsus dk izko/ku djrh gSA ;g vk; O;fDr ds
vU; vk; Ïksrksa ds vfrfjDr gS rFkk bldk ykHkkFkhZ ifjokj ds LFkku ij O;fDr gksxkA
• bldk eq[; mís'; vfrfjDr vk; ds }kjk yksxksa ds Ø;'kfDr {kerk esa o`f¼ djukA
52 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
14- ;kstuk,¡
1- ekr`Ro ykHk (la'kks/u ) fo/s;d 2016
ekr`Ro ykHk vf/fu;e 1961 esa la'kks/u ds eq[; fcUnq
• ekr`Ro vodk'k vof/ nks thfor cPpksa rd ds fy, 12 lIrkg iwoZ ls c<kdj 26 lIrkg rFkk nks ls vf/d cPpksa ds fy, 12
lIrkg djukA
• ekr`Ro vodk'k dk ykHk izlo dh laHkkfor frfFk ls 6 lIrkg iwoZ ls gh izkIr dj ldrs gSaA bl 'krZ dks c<+kdj 8 lIrkg djuk
(nks ls vf/d cPpsa ds fy, ;g vof/ 6 lIrkg gh gksxh)A
• rhu ekg ls NksVsa cPpsa dks xksn ysus okyh efgyk vkSj deh'kfuax djus okyh tSfod ek¡) dks cPpk lkSaia tkus dh frfFk ls 12
lIrkg ds ekr`Ro vodk'k dk izko/ku
• ekr`Ro vodk'k dh vof/ ds ckn fu;ksDrk }kjk efgyk dks ?kj ls dke djus dh lqfo/k nsus dk fodYiA
• 50 ;k mlls vf/d dkfeZdksa okyh laLFkku esa ,d fuf'pr nwjh ds Hkhrj Øp (Cruch) cPpksa dh ns[kHkky dh lqfoèkk dk izkoèkkuA
2- efgyk ,l,pth dks 7» nj ½.k
• 25 vxLr] 2016 dks Hkkjrh; fjtoZ cSad }kjk o"kZ 2016 &17 esa ljdkj ds la'kksf/r fn'kk&funsZ'kksa ds rgr cSadks dks efgyk
Lo&lgk;rk lewgksa dks 3 yk[k #i;s rd ds ½.k 7 izfr'kr dh C;kt nj ij miyC/ djkus gsrq funsZ'k tkjh fd, x,A
• efgyk ,l,pth dks ;g vYi C;kt ½.k nhun;ky vaR;ksnu ;kstuk&jk"Vªh; xzkeh.k vkthfodk fe'ku iwoZ uke ,uvkj
,y,e&vkthfodk dh C;kt vuqnku ;kstuk ds rgr miyC/ djk;k tk;sxkA lHkh efgyk ,l,pth bl ;kstuk ds ik=k gSaA gkykfd
vius orZeku cdk;k ½.kksa ij Lo.kZ t;arh xzke Lojkstxkj ;kstuk ds rgr iwath lfClMh izkIr dj jgs ,l,pth bldk ykHk ysus
ds ik=k ugha gksxsaA
• bl ;kstuk ds rgr lHkh cSad ns'k ds 250 ftyksa ds xzkeh.k {ks=kksa esa efgyk ,l,pth dks 7 izfr'kr C;kt nj ij ½.k miyC/
djk,axsa rFkk cSadks dks o"kZ 2016&17 gsrq muds }kjk yh tkus okyh Hkkfjr vkSlr C;kt nj rFkk 7 izfr'kr ds varj ij ,sls ½.kksa
ds lanHkZ esa 5-5 izfr'kr dh vf/dre lhek rd lfClMh miyC/ djkbZ tk,xhA
• blds vfrfjDr Rofjr ½.k vnk;xh (vkjchvkbZ }kjk fu/kZfjr ekunaMksa ds vuqlkj) djkus okys efgyk ,l,pth dks 3 izfr'kr
dh vfrfjDr C;kt lgk;rk nh tk,xh ftlls muds fy, izHkkoh C;kt nj ?kVdj ek=k 4 izfr'kr jg tk,xhA
3- jk"Vªh; [kk| lqj{kk vf/fu;e (NFSA) 2013
50» 'kgjh tula[;k vkSj 75» xzkeh.k tula[;k
• dqy 67» tula[;k (80 djksM yksx )
• lkoZtfud forj.k iz.kkyh ds ek?;e ls pkoy xsgw¡ vkSj eksVk vukt Øe'k% 3-2 vkSj 1 #i;s izfr fdyksxzke miyC/ djk;k tk;sxkA
• nks ifjokj&izkFkfed ifjokj vkSj vaR;ksn; ;k ch-ih-,y- ifjokj
• izkFkfed ifjokj dks 25 fdyks vukt rFkk vaR;ksn; ;k ch-ih-,y- ifjokj dks 35 fdyks vukt
• vukt uk feyus ij HkÙks dk izko/ku
• xHkZorh efgyk dks ,deq'r 6000 :i;s dk cMk izkko/ku
• ljdkj gj o"kZ yxHkx 1-40 yk[k djksM+ [kk| lfClMh ij [kpZ
• 1 uoEcj] 2016 ls iwjs Hkkjro"kZ esa ykxwA
4- iz/kuea=kh thou T;ksfr chek ;kstuk
• bl ;kstuk ds ik=k os lHkh cSad [kkrk/kjd gS tks 18 ls 50 o"kZ dh vk;q oxZ ds gSaA
• bl ;kstuk ds rgr va'knkrkvksa dks ek=k 330 #i;s okf"kZd fizfe;e dk Hkqxrku (cSad [krsa ls vkVksa MsfcV) djus ij 2 yk[k
#i;s dk thou chek izkIr gksxkA bl ;kstuk ds rgr ,d ckj lnL; cuus ds ckn 55 o"kZ dh vk;q bl ;kstuk dk ykHk feysxkA
• ;g VeZ ba';ksjsal Iyku gSaA chek vof/ 1 twu ls 31 ebZ fu/kZfjr
• 9 ebZ 2015 ls izkajHkA
54 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
• iwathxr ykHk dks ekU;rk izkIr dks"k esa fuosf'kr djus ij iwath ykHk dj ls NwV dk izko/kuA
• ,atsy fuos'kd & tks fcuk xkjUVh ds LVkZVvi esa fuos'k djrsa gSaA og ;k rks fdlh m|e dh vkjaHk djus ds fy, ;k rks ,deq'r
fuos'k ds :i esa gksrk gS ;k fdlh daiuh dh mlds vkjafHkd nkSj esa xfBr ifjfLFkfr;ksa lsa mckjus ds fy;s iznÙk iwath ds :i esa
gksrk gSA blfy, ;s T;knk ykHk dh ekaax djrsa gSaA
10- iz/kuea=kh ;qok ;kstuk
• dkS'ky fodkl ,oa m|fer ea=kky; }kjk ÝySx'khi ;kstuk
• ik¡p o"kZ (2016 &17 ls 2016&21) dh vof/ esa 500 djksM+ dh ifj;kstuk ykxr ls ;g ;kstuk 3050 laLFkkuksa ds ekè;e ls
7 yk[k ls vf/d izf'k{kq dks v|e'khyrk f'k{kk vkSj izf'k{k.k iznku djsxhA
• ;g ;kstuk esaVj usVoZd bUD;wcsVj lfoZlysVj rFkk ØsfMV rd vklku igq¡p ds ekè;e ls ;qokvksa gsrq ,d ekxZ dk l`tu djus
esa lgk;rk iznku djsxhA
• eSflo (Massive) vksiu vkWuykbZu dkslsZt ds ekè;e ls mPp f'k{kk ds 2200 laLFkku dkWyst fo'ofo|ky; vkSj izeq[k laLFkku
300 Ldwy 500 vkbZ-vkbZ-Vh- vkSj 50 m|ferk fodkl dsUnz iz/kuea=kh ;qok ;kstuk esa 'kkfey gSaA
11- thjks fMiQsDV & thjks biQsDV Ldhe
• bl ;kstuk dk mns'; LoPN izkS|ksfxdh dk mi;ksx dj mPp xq.kork okys mRikn iznku ds fy;s lHkh ,e -,l-,e-bZ- dh Js.kh
fu/kZfjr djuk vkSj mUgsa lg;ksx iznku djuk gSa mlesa ls izR;sd m|eksa ds fy;sa {ks=kd fof'k"V ekud gksuk pkfg,A
• ;g ;kstuk dsUnz ljdkj dh ÝySx'khi ;kstuk esdbu bafM;k dh Hkh vk/kj'khyk cusxh ftldk mns'; Hkkjr dks oSf'od fofuekZ.k
dsUnz cukuk] jkstxkj l`tu djuk] fodkl dh c<+kok nsuk 'kkfey gSA blds vfrfjDr blesa LoPN izkS|kssfxdh mRikn ds fodkl vkSj
dk;kZUo;u dk lao¼Zu fd;k tk,xkA
12- vezqr (AMRUT)
• vezqr ;k dk;kdYi ,ao 'kgjh :ikarj.k ds fy;s vVy fe'ku
• ns'k ds ,sls 500 'kgjksa ,oa dLcksa esa uxjh; volajpuk lqfo/kvksa ds fodkl gsrq bls fØ;kfUor fd;k tk;sxk tgk¡ dh vkcknh
,d yk[k ls vf/d gSA
• bl dk;ZØe ds rgr 10 yk[k rd dh vkcknh okys 'kgjksa ,oa dLcksa ds fy;s ifj;kstuk ykxr dk 50 izfr'kr rd rFkk 10 yk[k
ls vf/d vkcknh okys 'kgjksa ,oa dLcksa ds fy, ifj;kstuk ykxr dh ,d&frgkbZ dsUnzh; ljdkj ogu djsxhA
• tyiwfrZ lhojst vkSj 'kgjh ifjogu ds fy, dsUnz ds ifj;kstuk ykxr ds ,d&frgkbZ ls ysdj 50 izfr'kr rd fgLls ds ckn jkT;ksa
dks 'ks"k jkf'k tqVkuk gksxkA jkT;ksa dk viuk fgLlk 20» ls de ugh gksxkA
• jktLFkku dk;Z ;kstuk izLrqr djus okyk igyk jkT; FkkA
13- jk"Vªh; izf'k{kqrk lao/Zu ;kstuk
• 21 fnlacj 2016 dks dkuiqj lsA
• ;kstuk dk y{; o"kZ 2019&20 rd 50 yk[k izf'k{kqvksa dk izf'kf{kr djuk gSA
• ;kstuk ds rgr izf'k{kq dks fn, tkus okys dqy othiQs dk 25 izfr'kr (vf/dre 1500 :i;s ) izfrekg Hkkjr ljdkj }kjk lh/
s muds fu;ksDrkvksa dks iznku fd;k tk;sxkA
14- iz/kuea=kh mTtoyk ;kstuk
• 1 ebZ 2016 dks mrj izns'k ds cfy;k ftys ls
• bl ;kstuk dk mns'; vxys rhu o"kksZ esa xjhch js[kk ls uhps ds ikWp djksM ifjokjksa dh efgykvksa dks fu%'kqYd jlksbZ xSl dk
dusD'ku iznku djuk gSaA
• ;kstuk ds varxZr ch- ih -,y - ifjokjksa dks ikWp djksM ,y- ih- th- dusD'ku iznku djuys ds fy, 8 djksM dk izkoèkku fd;k
x;k gSaA
15- uhjkapy jk"Vªh; tylaHkj izca/u ifj;kstuk
• iz/kuea=kh Ñf"k flapkkbZ ;kstuk ds tylaHkj ?kVd ds fy;s uhjkapy iwoZorhZ ,dhd`r tylaHkj dk;ZØe ds LFkku ij ykbZ x;h gSaA
• blds fy;s Hkkjr ljdkj vkSj fo'o cSad ds e?; 178 fefy;u Mkyj ds ½.k le>kSrk ij gLrk{kj fd;k x;k gSA
56 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
21- ia- nhu n;ky vaR;ksn; ;kstuk
• dsUnz ljdkj }kjk 25 flarcj 2014 dks ia- nhu n;ky vaR;ksn; ;kstuk dh ?kks"k.kk dh xbZA bl ;kstuk dk mnns'; xzkeh.k ,oa 'kgjh
{ks=kksa esa dkS'ky fodkl ,oa vU; lk/uksa ds ekè;e ls jkstxkj voljksa dh miyC/rk c<+kdj fuèkZurk dks de djuk gSaA bl ;kstuk
ds rgr O;fDrxr lw{e miØeksa gsrq 2 yk[k #i;s rd rFkk lewg miØeksa ds fy, 10 yk[k #i;s rd ½.k] 7 izfr'kr dh
lfClMhÑr fn;k tk,xkA
• oLrqr% jk"Vªh; 'kgjh vkthfodk fe'ku dks gh nhu n;ky vaR;ksn; ;kstuk & ,u;w,y,e ds :i esa iqu%fufeZr fd;k x;k gSA 23
flracj 2013 ls izkajHk ,u;w,y,e orZeku esa ns'k ds dsoy 791 'kgjksa (lHkh ftyk eq[;ky;ksa ,oa ,d yk[k ls vf/d tulaa[;k
okys 'kgjksa ,oa dLcksa) esa fØ;kfUor fd;k tk jgk FkkA ih,okbZ & ,u;w,y,e ds rgr iQjojh 2016 ls vc ns'k ds 'ks"k 3250
uxjksa (lHkh 4041 uxjksa) ds fy, foLrkfjr dj fn;k x;k gSA
22- ia- nhu n;ky mikè;k; Jeso t;rs ;kstuk
• iz/kuea=kh ujsaUnz eksnh us 16 vDVwcj 2014 dks ubZ fnYyh ds foKku Hkou esa ia- nhu n;ky miè;k; Jeso t;rs ;kstuk dk lw=kikr
fd;kA bl ;kstuk dk eq[; mís'; Hkkjr esa etnwjksa dh n'kk lq/kjuk gSA
• bl ;kstuk ds rgr ikjn'khZ Je fujh{k.k O;oLFkk dks izHkkoh cuk, tkus ds mís'; ls baLisDVjks dks fn, x, foosdkfèkdkj okil
fy, tk,axsA daI;wVj ij Mªk ds tfj, r; gksxk fd dkSu lk baLisDVj fdl iQSDVjh dk fujh{k.k djus tk,xkA fujh{k.k d ckn lacaf/
r fujh{kd dks 72 ?kaVksa esa vkuykbu fjiksVZ viyksM djuh gksxhA
• ;kstuk ds rgr ih,iQ tek djus okyksa ds fy, ;wfuolZy [kkrk uacj dh O;oLFkk dks izHkkoh cuk;k tk,xkA u, fu;ksDrk dks
deZpkjh }kjk bldh tkudkjh nh tk,xh vkSj mldk [kkrk Loa; LFkkukarfjr gks tk,xkA
23- lsrq Hkkjre ifj;kstuk
• ;g ifj;kstuk dsUæh; lM+d ifjogu ,oa ea=kky; }kjk fØ;kfUor dh tk,xhA ftlds rgr o"kZ 2019 rd 20800 djksM+ #i;s dh
ykxr ls jk"Vªh; jktekxks± ij iM+us okys jsy vksojfczt ij 208 u, vkjvksch @vkj;wch dk fuekZ.k fd;k tk,xkA buds vfrfjDr
bl ifj;sktuk d rgr yxHkx 30000 djksM+ #i;s dh ykxr ls iqjkus iM+ pqds vkSj [kLrkgky jsy vksojfczt iqyksa dks pj.kc¼
rjhds ls lq/kjk tk,xkA
24- nhun;ky miè;k; xzke T;ksfr ;kstuk
• bl ÝySxf'ki ;kstuk dk mns'; xzkeh.k ?kjksa ,ao Ñf"k dk;ksZ ds fy, iQhMj i`FkDdj.k vkSj ikjs"k.k ,oa forj.k volajpuk ds
lqn`<+hdj.k ds ekè;e ls xzkeh.k ?kjksa esa 24 ?kaVs fo|qr vkiwfrZ vkSj Ñf"k miHkksDrkvksa dks i;kZIr fo|qr dh miyC/rk lqfuf'pr
djuk gSaA vc rd tkjh jgh jktho xka/h xzkeh.k fo|qrhdj.k ;sktuk dks bl ubZ ;kstuk esa xzkeh.k fo|qrhdj.k ?kVd ds rgr
lekfgr dj fn;k x;k gSA MhMh;w thtsokbZ ;kstuk ds izeq[k y{; ,oa ?kVd bl izdkj gSA
1- xzkeh.k fo|qrhdj.k
2- iQhMj i`FkDdj.k
3- ehVfjax & gkfu;ksa dks de djus gsrq lHkh Lrjksa (buiqV IokbaVl iQhMjksa ,oa forj.k VªkliQkeZjksa) ij fo|qr dh ehVfjax djukA
4- mi&iks"k.k ,ao forj.k usVodZ dk mUu;u%
5- ekbØksfxzM ,oa vkWiQ fxzM forj.k usVodZ dk lqn`<+hdj.k
• ;g ;kstuk Ñf"k mRikndrk esa o`f} ,ao xzkeh.k {ks=kksa esa lqpk: fo|qr vkiwfrZ ds ekè;e ls jkstxkj voljksa] LokLF;] f'k{kk] cSafdx
lsokvksa] lapkj lqfo/kvksa vkSj lkekftd lqj{kk vkfn dh vfHko`f} ds lkFk xzkeh.k {ks=kksa ds lexz fodkl egRoiw.kZ ;ksxnku djsxhA
• mYYks[kuh; gS fd iz/kuea=kh us 15 vxLkr] 2015 dks Lora=krk fnol ij vius Hkk"k.k esa 1000 fnuksa esa (vFkkZr 1 ebZ] 2018 rd)
ns'k ds xSj&fo|qrhÑr xzkeksa dks fo|qrhÑr fd, tkus ds y{; dh ?kks"k.k dh FkhA
25- mM+ku ;kstuk
• dsaUnz ljdkj us mM+ku (mMs+ ns'k dk vke ukxfjd) uked ,d {ks=kh; ok;qekxZ laidZ'khyrk ;kstuk dk 'kqHkkjaHkA bl ;kstuk dk
eq[; mns'; ns'k ds NksVs 'kgjksa esa jgus okys vf/dkf/d yksxksa dks gokbZ ;k=kk dh lqfo/k iznku djuk gSA
• bl ;kstuk ds rgr foeku daifu;ksa dks fdlh Hkh fof'k"V {ks=kh; gokbZ ekxZ ij mM+ku Hkjus ds fy, rhu o"kks± ds fof'k"V vfèkdkj
izkIr gksxsaA {ks=kh; mM+kuksa d fy, bu gokbZ ekxks± ij gokbZ ;k=kk 'kqYd ok;q;kuksa gsrq izfr ?kaVk rFkk gsfydkIVj ls 30 feuV dh
;k=kk ds fy, 2500 #i;s rd lhfer dj fn;k tk,xkA
58 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
15- fu;kstu
Hkkjr esa vk;kstu ls lacaf/r izeq[k rF; fuEufyf[kr gSa&
• Hkkjr esa fu;kstu dk lw=k/kj ia- tokgj yky usg: dks ekuk tkrk gSA ftudh vè;{krk esa 1938 esa ^jk"Vªh; vk;kstu lfefr*
(National Planning Committee) xfBr dh x;hA
• ‘Planned Economy for India’ (Hkkjr ds fy, fu;ksftr vFkZO;OLFkk) uked iqLrd 1934 esa izdkf'kr gqbZ ftls ,e- fo'os'ojS;k
us fy[kk FkkA bls Hkkjr esa fu;kstu dk tud dgk tkrk gSA
• Hkkjr esa izkjafHkd :i ls ;kstuk dh 'kq#vkr lqHkk”k pUnz cksl us 1938 esa dhA
• 1944 esa ^, Iyku iQkWj bdksukWfed MsoyiesaV bu bafM;k* ftls ^ckEcs Iyku* ds uke ls tkuk x;k] cEcbZ ds vkB m|ksxifr;ksa }kjk
izLrqr fd;k x;kA
• 1944 esa gh Jh eUukjk;.k }kjk ^xka/hoknh ;kstuk* (Gandhian Plan) izLrqr fd;k x;kA
• 1945 esa ^tu;kstuk* (People’s Plan) Jfed usrk ,e- ,u- jk; }kjk izLrqr fd;k x;kA
• 1950 esa ^loksZn; Iyku* t; izdk'k ukjk;.k }kjk izLrqr fd;k x;kA
• 15 ekpZ] 1950 dks tokgj yky usg: dh vè;{krk esa Hkkjrh; ;kstuk vk;ksx dk xBu fd;k x;kA
60 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
12oha iapo"khZ; ;kstuk (2012&17)
Ñf"k fodkl nj 4»
fodkl nj 8»
m|ksx o`f¼ nj 9-6»
lsok o`f¼ nj 10-0»
fofuekZ.k o`f¼ nj 10-0»
xjhch esa deh 10-0»
fuos'k nj 37-8»
cpr nj 36-2»
jkstxkj ds u;s volj 5 djksM+
f'k{kk ds ySafxd ,oa tkrh; vlekurk lekIr djuk
dqy iztuu nj (TFR) 2-1
ekr` e`R;q nj (MMR) 1 izfr 1000 tUe
f'k'kq e`R;q nj (IMR) 25 izfr 1000 tUe
vkSlr Ldwyh f'k{kk 7 o"kZ
cSafdax lqfo/k 90» ?kjksa esa
dsUnzh; jktdks"kh; ?kkVk GDP ds 3-25» rd djuk
pkyw [kkrs dk ?kkVk GDP dk 2-5» rd
WPI dh vkSlr o`f¼ nj (4-5&5)» ds chp
dsUnzh; vk;kstu O;; GDP dk 4-02»
vk;kstu fHkUu O;; GDP dk 8-9»
ldy flafpr {ks=k 10-3 djksM+ gsDVs;j
mPp f'k{kk ds fy, vfrfjDr lhVsa 20 yk[k
volajpuk esa fuos'k GDP dk 9»
VsyhMsaflVh (xzkeh.k) 70»
iapo"khZ; ;kstukvksa ds LFkku ij 15 o"khZ; fotu nLrkost
• uhfr vk;ksx }kjk oSf'od vkfFkZd izo`fÙk;ksa rFkk Hkkoh pqukSfr;ksa ds lanHkZ esa nh?kZdkyhu ifjisz{; ds lkFk ns'k esa o"kZ 1951 ls tkjh
vkfFkZd fu;kstu dh iapo"khZ; O;oLFkk dks 15 o"khZ; fotu nLrkost ls izfrLFkkfir djus dk fu.kZ; fy;k x;k gSA
• izFke 15 o"khZ; fotu nLrkost o"kZ 2017&18 ls (12oha ;kstukof/ ds var ds ckn) izHkkoh gksxk rFkk bls xjhch mUewyu ds ewy
mís'; ds lkFk rS;kj fd;k tk,xkA
• ;g 15 o"khZ; fotu nLrkost (2017&2032) ,d lkr o"khZ; jk"Vªh; fodkl ,tsaMs ds lkFk vk,xk ftlds rgr nh/kZdkyhu fotu
ds y{;ksa dks gkfly djus gsrq ;kstukvksa] dk;ZØkesa ,oa j.kuhfr;ksa dk fu/kZj.k fd;k tk,xkA
• uhfr vk;ksx ds 15 o"khZ; fotu nLrkost ds rgr vkarfjd lqj{kk vkSj j{kk dks Hkh 'kkfey fd;k tk,xk tks fd vc rd iapo"khZ;
;kstukvksa ls i`Fkd gksrs FksA
• mYys[kuh; gS fd 1 tuojh] 2015 dks dsUnzh; eaf=keaMy ds izLrko ds ekè;e ls ;kstuk vk;ksx ds LFkku ij ^uhfr vk;ksx8 (iwjk
uke& ^jk"Vªh; Hkkjr ifjorZu laLFkku*) dh LFkkiuk dh xbZ FkhA
62 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
lafo/ku la'kks/u vf/fu;e 2016
• bl la'kks/u vf/fu;e ds vUrxZr lafo/ku ds Hkkx&11 (vuqú 248] 249 ,oa 250) Hkkx&12 (vuqú 268] 269] 270] 271 rFkk
286)% Hkkx&19 (vuqú 266)] Hkkx 20 (vuqú 368) rFkk NBh ,oa lkroha vuqlwph esa la'kks/u fd;k x;k gSA
• 279A esa th,lVh dkmafly (th,lVh ifj"kn) jk"Vªifr vf/fu;e ds ykxw gksus dh frfFk ls 60 fnuksa ds Hkhrj xBu fd;k tk;sxkA
flrEcj 2016 dks th,lVh ifj"kn ds xBu dks vf/lwfpr dj fn;k x;kA
64 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
17- iw¡th cktkj
elkykckaM & ,p Mh ,iQ lh yhfeVsM
• ,p Mh ,iQ lh fyfeVsM tks Hkkjr dh lcls cMh uhft{ks=k m/kjh nsus okyh daiuh gSa us 3000 djksM+ dk elkyk ckW.M tkjh djus
dk fu.kZ; fy;k gSa (fjtZo cSad dh vuqefr ls)
• ;g fuxe ns'k dh igyh daiuh gSa tks #i;s ewY; esa elkyk ckW.M fudkyh gSA
• elkyk ckaM :i;s ds eqY; esa ckaW.M gS tks fons'kh [kjhnnkj dks fn;k tkrk gSA ftlds }kjk Hkkjrh; daiuh iwWth cktkj esa vkèkkjHkwr
lajpuk ls lacaf/r izkstsDV ds fy, fonsf'k;ksa }kjk /u tqVk ldrsa gSa tcfd ckW.M/kjd dks djsalh tksf[ke jgrk gSaA
• ;g ckaM fons'kh fuos'kdh dks :i;s ewY; esa fn;k tkrk gSa tcfd bldk lsVsyesaV ;w,l MkWyj esa gksrk gSA
• blfy;s djsalh tksf[ke ckaM /kjd ij gksrk gS u fd ckaM fuxZr djus okys ijA
• gky gh esa elkyk ckW.M dks yanu LVkWd ,Dlpsat esa iathd`r fd;k x;k gSA
• vkbZ ,iQ lh us Hkkjr ds vk/kjewr lajpuk esa fuos'k ds fy, elkyk ckaM dks tkjh fd;k FkkA
xzhu ckaM
• ;g ,d ½.k izi=k gS ftlds ekè;e ls dksbZ laLFkk ;k daiuh vius gfjr ifj;kstuk (,slh ifj;kstuk tks i;kZoj.h; vuqdwy gks)
ds for iks"k.k dk dk;Z djrh gSa A
• igyk xzhu ckaM 2007 esa fo'o cSad }kjk tkjh fd;k x;k Fkk U;w MsoyiesaV cSad (,uMhch) us igyk ;wvku ewY; ds xzhu ckW.M
dh fczdh dhA
Cyw ckW.M
• ;g ,d izi=k gS ftldk iz;ksx ty lac/h cqfu;knh <k¡ps esa fuos'k ds fy;s fd;k tkrk gSa ;g DykbesV fjftfy;sUV okVj eSustesaV
ls Hkh lacaf/r gSaA
DykbesV ckaM bfuf'k,fVo
• ;g ,d varjkZ"Vªh; fuos'k dsUnzh;Ñr xSj ykHkdkjh laxBu gSA
• bldk mís'; fodflr vkSj mHkjrs cktkjksa esa xzhu ,aM DykbesV ckW.M ekfdZV dks fodflr djuk gSA
dkWjisjsV ckaM
• ;g futh daiuh }kjk iQaM tqVkus ds fy, fudkyk x;k ckaM gSaA
• orZeku esa C;kt nj de gksus ds dkj.k ckW.M ds yield (izfriQy) esa o`f¼ gqbZ gSA
• T;knk fuos'k cSadksa dh lkfo/ tek dh txg E;qpqvy iaQM }kjk dkWjiksjsV ckW.M esa fd;k tk jgk gSA
• bldh CRISIL, ICRA, CARE }kjk jsfVax dh tkrh gSA
• gky gh esa vkjchvkbZ us cSda ksa dks viuh ,l,yvkj izfrHkwfr esa (vYidkyhu) dkWjiksjVs ckW.M dks /kj.k djus dh vuqefr nh gSA
baVjus'kuy LVkWd ,Dlpsat (International Stock Exchange)
• GIFT (xqtjkr baVjus'kuy iQkbusafl;y Vsd (flVh ds vUrjkZ"Vªh; foÙkh; lsok dsUnz esa LFkkfir Hkkjr ds izFke baVjus'kuy LVkWd
,Dlpsat&bafM;k baDl (India INX) us gky gh esa okbcszaV xqtjkr Xykscy lfeV 2017 dk mn~?kkVu fd;kA
• bafM;k baDl] ckEcs LVkWd ,Dlpsat dh v/huLFk daiuh gS ftls fo'o ds lokZf/d mUur izkS|ksfxdh IysViQkeZ ds :i esa izLrqr
fd;k tkrk gS ftldk vkWMZj fjLikal Vkbe 4 ekbØks lsdsaM gSA
• ;g baVjus'kuy LVkWd ,Dlpsat izfrfnu 22 ?kaVs lapkfyr gksxk vkSj bl izdkj fuos'kdksa ,oa vfuoklh Hkkjrh;ksa dks fo'o Hkj esa
dgha ls Hkh lqfo/ktud :i ls O;kikj djus dh vuqefr iznku djsxkA
66 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
;g fo'o dk rhljk lcls cM+k deksfMVh ,Dlpsat gS vkSj Hkkjr dk igykA
(iii) jk"Vªh; oLrq ,oa O;qRiUu cktkj (NCDEX- National Commodity Derivative Exchange)
LFkkiuk % 2003
eq[;ky; % eqacbZ
vè;{k % lehj 'kkg
izeksVj % ICICI, LIC, NABARD, NSE (gky gh esa vc ICICI dks gVk fn;k gS)A
(iv) ,lhbZ % ,lh,l ,.M deksfMVh ,Dlpsat fyfeVsM
LFkkiuk % 2003
eq[;ky; % eqacbZ
vè;{k % fnyhi HkkfV;k
(v) UCX- Universal Commodity Exchange
LFkkiuk % 2003
eq[;ky; % eqacbZ
vè;{k % nsonkl pkS/jh
izeksVj % NABARD, IDBI
RESIDEX INDEX : tqykbZ 2007 dks igyh ckj jk"Vªh; vkokl cSad (,u,pch) us ns'k ds fofHkUu Hkkxksa esa Hkwfe esa gksus okys
ewY;ksa ds mrkj&p<+ko ij fuxjkuh j[kus ds fy, Residex dk ykxw fd;kA
NCDEX AGRI : National Commodity and Derivative Exchange Limited us Ñf"k mRiknksa ds fy, 2005 esa Ñf"k mRiknksa
ds vkWuykbu [kjhn&fcØh ds fy, NCDEX dks tkjh fd;k tks ns'k dk igyk Commodity Index gSA
GREENEX : gfjr fuos'k dks c<+kok nsus ds fy, ckWEcs LVkWd ,Dlpsat us ns'k dk igyk i;kZoj.kh; vuqdwy Equity Index
2012 esa 'kq: fd;kA
Exchange Traded Fund (ETF) : ;g ,d ,slk izdkj dk fuos'k gS ftlesa lh/s Mh&esV ,dkmaV ds }kjk LVkWd@ckW.M esa
Ø;&foØ; fd;k tk ldrk gSA
ETF dk ykHk % ykxr de] VSDl de] tksf[ke de] vklku fuos'k
ikjLifjd dks"k (Mutual Fund) : ,d izdkj dk fuos'k gS tgk¡ NksVs@cM+s fuos'kd ,d Pool Fund esa vius /u dk fuos'k djrs
gSa] cnys esa mUgsa ;wfuV dh izkfIr gksrh gSA ;g fuos'k fd;k gqvk Pool ,d Fund Manager }kjk (fo'ks"kK) 'ks;j vkSj ckW.M esa
fuos'k fd;k tkrk gS ftldk izfriQy cktkj ls izkIr gksrk gS og izfr ;qfuV Net Assets Value (NAV) ds }kjk fn[kk;k tkrk gSA
Hkkjr esa lcls igyk Mutual Fund UTI gS ftldh LFkkiuk 1964 esa gqbZA blus vesfjdk i¼fr ij vk/kfjr ,d ;w,l&64 uked
,d Ldhe dh 'kq#vkr dhA
• Hkkjr esa igyk lkoZtfud cSad ,lchvkbZ gS tks Mutual Fund esa fuos'k djus okyk cukA
• Hkkjr esa fons'kh eqnzk dk ok;nk dkjksckj pkj ,Dlpsat esa fd;k tkrk gSA
(i) NSE
(ii) BSE
(iii) MCX
(iv) USEIL
68 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
• Hkkjr dk LFkku & 97oka
• Hkkjr ds iM+kslh ns'kksa dh fLFkfr & phu (29) usiky (72 ) E;kaekj (75) Jhyadk (84)] ikfdLrku (107)
fof/ dk 'kklu lwpdkad] 2016
• 20 vDVwcj] 2016 dks oYMZ tfLVl izkstsDVl }kjk_ dqy tkjh 113 ns'kksa esa fof/ ds 'kklu dh fLFkfr dk vkdyuA
• 'kh"kZ rhu ns'k % 1- MsuekdZ] 2- ukosZ] 3- fiQuySaM
• vafre rhu ns'k & 113- osustq,yk] 112- dacksfM;k] 111- viQxkfUkLrku
• Hkkjr dk LFkku & 66okaA
oYMZ fxfoax baMsDl] 2016
• 5 vxLr] 2016 dks fczVsu dh pSfjVht ,aM iQkmaMs'ku }kjk oYMZ fxfoax baMsDl ]2016 tkjh fd;k x;kA bl lqpdkad esa dqy 140
ns'kksa dks 'kkfey fd;k x;k gSaA blesa Hkkjr 91osa LFkku ij gSaA
• lwpdkad esa E;kaekj igys] la;qDr jkT; vesfjdk nwljs] vkWLVªsfy;kW rhljs] U;wthySaM pkSFks ,oa Jhyadk ikaposa LFkku ij gSaA
• Hkkjr ds iM+ks'kh ns'k esa HkwVku 18osa] usiky 39osa ikfdLrku 92 osa ,oa ckaXykns'k 94 osa LFkku ij gSaA
oSf'od izfrLi}kZ lwpdkad] 2016&17
• 28 flracj] 2016 dks fo'o vkfFkZd eap }kjk viuh Xykscy dEihfVfVousl fjiksVZ ]2016&17 ds rgr tkjh_ 138 vFkZO;oLFkkvksa
esa O;olk; lac/h izfrLi}kZRedrk dk vkdyu A
• 'kh"kZ rhu LFkku & 1- fLoVtjySaM] 2- flaxkiqj] 3- vesfjdk
• vafre rhu LFkku % 138- ;eu] 137- ekjhrkfu;k] 136- pkM
• Hkkjr dk LFkku & 39oka
vkfFkZd Lora=krk lwpdkad] 2016
• flarEcj] 2016 esa gsfjVst iQkmaMs'ku ,oa okWy LVªhV tuZy }kjk tkjh_ dqy 138 vFkZO;oLFkk, 'kkfeyA
• 'kh"kZ rhu LFkku & 1- gkaxdkax] 2- flaxkiqj] 3- U;wthySaM
• vafre rhu LFkku & 178] mÙkj dksfj;k] 177 D;wck] 176 osustq,ykA
• Hkkjr dk LFkku & 123 oka
oSf'od tksf[ke lwpdkad & 2016
• 25 vxLr ]2016 dks ;wukbVsM us'kUl ;wfuoflZVh baLVhV;wV iQkWj ,uok;jesaV ,aM áweu flD;ksfjVh rFkk cqfMful ,ufodyqx fgYiQV
}kjk tkjhA izkÑfrd [krjksa ,ao lkekftd detksfj;ksa ds la;qDr fo'ys"k.k ls 171 ns'kksa esa vkink tksf[keksa dk vkdyuA
• 'kh"kZ rhu LFkku & 1- ouqvkrq] 2- Vksaxk] 3- fiQyhihalA
• vafre rhu LFkku & 171 - drj] 170 ekYVk] 169- lmnh vjc
• Hkkjr dk LFkku & 77oka
oSf'od uokpkj lwpdkad
• 15 vxLr] 2016 dks fo'o ckSf¼d laink laxBu dkjusy fo'ofo|ky; rFkk (INSEAD) }kjk tkjhA eq[; fo"k; oS'od uokpkj
ds lkFk thr
• 128 ns'k 'kkfeyA
• 'kh"kZ rhu ns'k & 1- fLoVtjySaM] 2- LohMu] 3- ;wukbVsM fdaxMeA
• vafre rhu ns'k & 128 ;eu] 127 fxuh] 126- VksxksaA
• Hkkjr dk LFkku & 66 (fiNys o"kZ dh rqyuk esa 15 LFkkuksa dk lq/kj)A
70 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
bafM;k buksos'ku baMsDl (I.I.I.)
• uhfr vk;ksx] DIPP (fMikVZesaV vkWiQ baMLVªh; ikWyhlh ,aM izeks'ku) rFkk CII (duiQhMjs'ku vkWiQ bafM;u baMLVªh) }kjk
• ;g baMsDl uokpkj vkSj mi&lwpdkad ds izeq[k LraHkksa ij vk/kfjr gksxk] tks ,d lkFk feydj lekos'kh fodkl dks c<+kok nsus
okyh uhfr;ksa ds fuekZ.k esa lgk;rk djsxkA
• bu LraHkksa esa laLFkku dh lqn`<+rk] ekuo iwath ,oa vuqla/ku dh {kerk] lgk;d volajpuk vkSj dkjskckjh fo'ks"kKrk dk Lrj
lfEefyr gSA
• ;g igy vkWuykbu IysViQkWeZ gksxk] tgk¡ GII ds ladsrd vkSj fofHkUu jkT;ksa ls Hkkjr dsUnzhr vkadM+ksa dks le;≤ ij viMsV
fd;k tk;sxkA
ekuo fodkl lwpdkad
• thou izR;k'kk vkSj izfrO;fDr vk; esa o`f¼ ds dkj.k Hkkjr uohure UNDP fjiksVZ esa 131osa LFkku ijA
• rhu lwpdkad& nh?kZ vkSj LokLF; thou] f'k{kk] thou dk ekud LrjA
• ,pMhvkbZ izR;sd rhu vk;keksa ds lkekU;hÑr lwpdkadksa dk T;kehrh; ekè; gSA
72 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
5- APEC– ,f'k;k&iz'kkar vkfFkZd lg;ksx
• LFkkiuk 12 ns'kksa }kjk 1989 esaA
• blesa orZeku esa 21 lnL; ns'k gSaA
• eq[;ky; % flaxkiqj
• ,isd ds lnL; ns'k fo'o dh yxHkx 40 izfr'kr tula[;k oSf'od thMhih dk 54 izfr'kr vkSj fo'o O;kikj dk 45» ds izfr
mÙkjn;h gSA
• 1994 esa baMksusf'k;k esa gq, ,isd f'k[kj lEesyu ds nkSjku ^cksxksj y{;ksa* dk fu/kZj.k fd;k x;k Fkk ftlds rgr ,f'k;k&iz'kkar
{ks=k esa vkS|ksfxd ns'kksa gsrq 2010 rd rFkk fodkl'khy ns'kksa gsrq 2020 rd 'kqYd eqDr ,oa [kqys O;kikj vkSj fuos'k dk mís';
j[kk x;k FkkA
• ,isd dk 28oka okf"kZd lEesyu is: dh jkt/kuh yhek esa uoEcj 2016 esa vk;ksftr (nwljh ckj&igyh ckj 2008 esa)
• 27oka lEesyu euhyk esa 2015 esaA
• vè;{krk& is: ds jk"Vªifr isMªks ikCyks dqcfuLdhA
• bl lEesyu esa ,f'k;k iz'kkar eqDr O;kikj {ks=k (FTAAP) ij yhek ?kks"k.kki=k vkSj ,isd lfoZlst dEihfVfVousl jksMeSi
(2016&2025) tkjh fd;k x;kA
• ,isd dk vxyk f'k[kj lEesyu uoEcj 2017 esa fo;ruke esa gksxkA
6- la;qDr jk"Vª tyok;q ifjorZu lEesyu 2016
• eksjDdks ds ejkd'k ds ckc bXyh esaA
• xro"kZ ;g isfjl (Úkal) esa gqvk FkkA
• ;g lEesyu 1992 ds tyok;q ifjorZu ij la;qDr jk"Vª ÚseodZ dUosa'ku (UNFCCC) ds i=kdkjh dh dkaÚsal dk 22oka okf"kZd
l=k (Cop–22)
• 1997 ds D;ksVks izksVksdkWy ds i=kdjksa dh cSBd dk 12oka l=k (CCMP 12)
• 2015 ds isfjl le>kSrk ds i=kdkjka dh cSBd dk igykl=kA
• bl lEesyu esa 196 ns'kksa ,oa ;wjksih; la?k ds ns'kksa us Hkkx fy;kA
• vè;{krk % eksjDdks ds fons'k ea=kh lykgsíhu estwvj
• bl lEesyu esa UNFCCC ds lHkh i=kdkjksa }kjk gekjh tyok;q vkSj lrr fodl ds fy, ekjkd'k dk;Zokgh ?kks"k.kk rFkk oSf'od
tyok;q dk;Zokgh ds fy, ekjkd'k Hkkxhnkjh dks viuk;k x;kA
• bl ?kks"k.kk ds rgr isfjl le>kSrs dks Rofjr :i ls ykxw djus rFkk tyok;q ifjorZu ls lokZf/d izHkkfor gksus okys ns'kksa ds izfr
leFkZu dk foLrkj djus dh ckr dgh xbZA
• lkFk gh blesa o"kZ 2020 iwoZ dk;Zokfg;ksa gsrq D;ksVks izksVksdkWy ds i=kdjksa ls 2012 ds nksgk la'kks/u dks vuqleFkZr djus ds fy,
dgk x;kA
• tgk¡ isfjl le>kSrk 2020 ds ckn fof/d :i ls xsj ckè;dkjh jk"Vªh; y{;ksa dh ckr djrk gS] ogha D;ksVks izksVksdkWy fodflr
ns'kksa ds fy, ckè;dkjh gfjr x`g xSl mRltZu dVkSrh y{; fu/kZfjr djrk gSA
• Hkkjr }kjk mRiszfjr vUrjkZ"Vªh; lkSj xBca/u (ISA) gsrq :ijs[kk le>kSrksa dks gLrk{kj gsrq [kksyk x;kA
UNFCCC
• la;qDr jk"Vª ds rgr vUrjkZ"Vªh; i;kZoj.kh; laf/ gSA
• 1992 esa fj;ks fM tsusfj;k (czkthy) esa vk;ksftr lEesyu esa viuk;k x;kA
• bldk mís'; okrkoj.k esa gfjr xSlksa dh lkanzrkvksa dks ,sls Lrj ij jksduk gS rkfd gekjh tyok;q iz.kkyh esa [krjukd ekuotfur
74 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
20- vkbZú,ú,lú izkjafHkd ijh{kk 2017 ds fy,
laHkkfor iz'u (Question Bank Part-II)
1- NPCI (National Payment Corporation of India) ds laca/ esa fuEufyf[kr dFkuksa ij fopkj dhft,
1- ;g xSj ykHkdkjh laLFkk gSA
2- bls RBI }kjk izk;ksftr fd;k x;k gSA
3- ?kjsyw dkMZ Hkqxrku usVodZ :is dks fodflr djus esa bldk ;ksxnku gSA
4- ;g BPSS (Board for Regulation and surervision of Payment and Settlement ) ds fy;s fujh{k.k ,stsalh gSA
mi;qZDRk esa ls dkSu lk dFku lR; gS\
(a) 1] 2 vkSj 3 (b) 2 vkSj 3 (c) 1 vkSj 4 (d) 1] 2] 3 vkSj 4
2- jk"Vªh; [kk| lqj{kk dkuwu (NFSA) ds laca/ eas fuEufyf[kr dFkuksa ij fopkj dhft,&
1- izR;sd ifjokj yf{kr lkoZtfud forj.k iz.kkyh ds varxZr doj gksxkA
2- blesa 'kgjh {ks=k esa ;ksX; ifjokjksa dh igpku dk dk;Z lh/s dsUnz }kjk fd;k tk;sxkA
3- ftyk vkSj jkT; Lrj ij ,d f'kdk;r fuokj.k laLFkk dh LFkkiuk dh tk;sxhA
4- [kk|kUu dh vuqiyC/rk esa [kk| lqj{kk ds fy;s izko/kuksa ds :i esa HkÙkk iznku fd;k tk;sxkA
mi;qZDr esa ls dkSu lk dFku lR; gSA
(a) 1 vkSj 2 (b) 3 vkSj 4 (c) 2] 3 vkSj 4 (d) 1] 2 vkSj 3
3- iz/kuea=kh xjhc dY;k.k ;kstuk ds laca/ esa fuEufyf[kr esa dFkuksa ij fopkj dhft,
1- ;g v?kksf"kr vk; ds fy, ljdkj dh ;kstuk gSA
2- blds varxZr VSDl vkSj isUkkYVh ds Hkqxrku ds ckn 'ks"k 50» esa ls 25» /u dks 4 lky rd cSad esa j[kuk gksxk
3- bl ij cSad dksbZ C;kt ugha nsxkA
mi;qZDr esa ls dkSu lk dFku vlR; gS\
(a) 1] 2 vkSj 3 (b) 2 vkSj 3 (c) 1 vkSj 3 (d) buesa ls dksbZ ugh
4- vkfFkZd ekeyksa ds ea=kky; }kjk fuEufyf[kr esa ls dkSu ls dk;Z fd;s tkrs gS&
1- ;g Fkksd ewY; lwpdkad dh x.kuk vkSj vkWdM+s fudkyrk gSA
2- ;g ljdkj dh fofuos'k ls izkIr /u esa mlds iz;ksx laca/h lq>ko nsrk gSA
3- ;g dsUnzh; ctV ds fuekZ.k esa mÙkjnk;h gksrk gS
mi;qZDr esa ls dkSu lk dFku vlR; gSA
(a) 1 vkSj 2 (b) dsoy 2 (c) 2 vkSj 3 (d) dsoy 1
5- Hkkjr esa PPI (Prepaid Instrument Provider) fofu;fer gksrs gS
(a) lsch (b) isesaV lsVyeasV vkWFkfjVh vkWiQ bafM;k
(c) vkj ch vkbZ (d) bjMk
6- fuEufyf[kr esa ls fdu {ks=kksa esa FDI izfrcaf/r gS\
1- jsyos 2- flaxy czkM fjVsfyax 3- fj;y LVsV 4- OgkbV ysoy ,-Vh-e
76 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
2- ekr`Ro vodk'k esa o`f¼ ds dkj.k vc efgyk vodk'k ds ckn ?kj ls dke djus dh lqfo/k dk ykHk ugh mBk ldrh gS
mi;qZDr esa ls dkSu lk dFku vlR; gS\
(a) dsoy 1 (b) dsoy 2 (c) 1 vkSj 2 (d) buesa ls dksbZ ugha
13- ljdkj us GST ls lacf/r lafo/ku (101oka la'kks/u) vf/fu;e 2016 dks eatwjh nh gSA bl esa fuEufyf[kr dFkuksa ij fopkj
dhft;s
1- GST dkmafly dk xBu
2- Øeizikrh izHkko (Cascading effect) dks lekIr djuk
3- GST lajpuk esa UT GST dks 'kkfey djukA
mi;qZDr esa ls dkSu lk dFku bl fo/s;d dk ifj.kke gS
dwV%
(a) 1 vkSj 2 (b) 2 vkSj 3 (c) dsoy 3 (d) 1] 2 vkSj 3
14- 2017&18 ds ctV esa ljdkj us jsyos ctV dks dsUnzh; ctV esa feyk dj izLrqr fd;k&
bldk Hkkjrh; jsyos ij iM+us okys izHkko ij fuEufyf[kr dFkuksa ij fopkj dhft,
1- Hkkjrh; jsyos vc okf.kfT;d dk;Z ds foHkkx ds fy;s iz;ksx ugha gksxkA
2- jsyos ea=kky; dks vc ljdkj esa ldy ctVh; liksVZ ugha feysxkA
3- ;g ljdkj dks gj Ok"kZ nsus okys ykHkka'k ds nkf;Ro ls eqDr djsxkA
mi;qZDr esa ls dkSu lk dFku lR; gS
(a) 1 vkSj 3 (b) dsoy 3 (c) dsoy 2 (d) 1] 2 vkSj 3
15- vkarfjd vkSj vfrfjDr ctVh; lalk/u vHkh gky gh esa lqf[kZ;ksa esa jgkA IEBR dk laca/ gS
(a) IFC elkyk ckaM ls izkIr foÙk
(b) okf.kfT;d cSadks dh csly&3 ekud ds vuqlkj iwathdj.k
(c) ns'kh eqnzk HkaMkj ds }kjk ?kkVs dk foÙkh;u
(d) ljdkj ds dsanzh; Iyku dk fgLlk ftls PSU (Public Sector Unit) ds ykHk] ½.k ;k va'ki=k }kjk tqVk;k x;s lalkèkuksa
ls curk gSA
16- ljdkj us fMftVy Hkqxrku dks c<kok nsus ds fy, gky gh esa Hkhe ,si dks 'kq: fd;k gS\ blds laca/ esa fuEufyf[kr dFkuksa ij
fopkj dhft,
1- Hkhe ,i UP I vk/kfjr IysViQkeZ gS tks dsoy eksckby Hkqxrku dks c<kok nsrk gSA
2- vko';drk iM+us ij O;kikjh Loa; dks QR dksM blesa cuk ldrs gSA
3- bldk lapkyu NPCI }kjk gksxk tcfd blds dk;Ziz.kkyh ij fu;a=k.k RBI dk gksxk
dwV%
(a) 1 vkSj 2 (b) dsoy 2 (c) 2 vkSj 3 (d) 1] 2 vkSj 3
17- Hkkjr esa fMftVy Hkqxrku dks c<+kok nsus ds fy;s ljdkj vusd iz;kl dj jgh gSA bl laca/ esa fuEufyf[kr dFkukas ij fopkj
dhft;s
1- jru oÙky vkSj vferkHk dkar desVh dk xBu
2- fMftVy djsalh ls T;knk ysu&nsu dks izksRlkgu
3- vk/kj&is esa epsZaV fMLdkmaV jsV dks lekIr djuk
78 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
dwV&
(a) 1 vkSj 2 (b) 2] 3 vkSj 4 (c) dsoy 3 (d) 1] 2 vkSj 3
24- vk/kj ds laca/ esa fuEufyf[kr dFkuksa ij fopkj dhft,
1- vk/kj UIDAI }kjk tkjh 12 vadh; ys[kk gS tks vk/kj la[;k /kjd dks ukxfjdrk dk vf/dkj nsrk gSA
2- vk/kj igpku rFkk fuokl dk izek.ki=k gSA
3- bls fdlh Hkh mez vkSj fyax dk O;fDr IkzkIr djus ds fy;s fu'kqYd ukekadu djk ldrk gS gSA
4- ljdkj us eksckby iQksu dusD'ku vkSj vk;dj fjVuZ esa vk/kj dks vfuok;Z dj fn;k gSA
mi;qZDr esa ls dkSu lk dFku lR; gSA
(a) 1] 2] 3 vkSj 4 (b) 2 vkSj 4 (c) dsoy 2 (d) 2] 3 vkSj 4
25- ldy ?kjsyw mRikn ds laca/ esa fuEufyf[kr dFkuksa ij fopkj dhft,
1- GDP dh x.kuk pkyw dher esa cktkj ewY; esa CSO us 'kq: fd;k gSA
2- GDP, GNP ls T;knk gksrk gS vxj fu;kZr vk;kr ls de gksxk
3- GDP esa gLrkarj.k tSls vuqnku vkSj migkj dks Hkh 'kkfey fd;k tkrk gSA
mi;qZDr esa ls dkSu lk dFku vlR; gS\
(a) 1 vkSj 3 (b) 2 vkSj 3 (c) dsoy 1 (d) buesa ls dksbZ ugh
26- iz/kuea=kh lqdU;k le`f¼ ;kstuk ds laca/ esa fuEufyf[kr dFkuksa ij fopkj dhft,&
1- dsoy 8 o"kZ ;k mlls de vk;q dh ckfydk,¡ bl ;kstuk esa lfEefyr gksus ds fy;s ik=k gSA
2- ;kstuk esa vfuoklh Hkkjrh; Hkh Hkkx ys ldrs gSA
3- 21 o"kZ rd blesa ls /u dh fudklh ugha dh tk ldrh gSA
mi;qZDr esa ls dkSu lk dFku lR; gS\
(a) 2 vkSj 3 (b) dsoy 1 (c) 1 vkSj 3 (d) buesa ls dksbZ ugha
27- ?kkVs ds ctV dks de djus esa fuEufyf[kr esa dkSu ls mik; dks ljdkj }kjk ykxw fd;k tk;sxk&
1- foeqnzhdj.k
2- ;wchvkbZ (;wuholZy csfld bude)
3- fdjksflu lfClMh dks DBT vk/kfjr
4- iz/kuea=kh xjhc dY;k.k ;kstuk
dwV%
(a) 1 vkSj 3 (b) 1] 3 vkSj 4 (c) 3 vkSj 4 (d) dsoy 3
28- gky gh esa ljdkj us fdl ns'k lewg ds lkFk 500 djksM+ fuf/ ds lkFk ifj;kstuk fodkl dks"k dh LFkkiuk dh gSA
(a) APEC (b) UNCTAD (c) CLMV (d) BRICS
29- fuEukafdr ;qXe ij fopkj dhft,
1- oYMZ bdkfufed vkmVyqd % oYMZ cSad
2- oYMZ MsoysiesaV fjiksVZ % varjk"Vªh; eqnzk dks"k
3- oSf'od izfrLi/kZ lwpdkad % fo'o vkfFkZd eap
4- ekuo iwath izfrLi/kZ lwpdkad % fo'o vkfFkZd eap
80 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
dwV%
(a) 1 vkSj 2 (b) dsoy 1 (c) 1 vkSj 3 (d) 1] 2 vkSj 3
36- RBI us 2017&18 ds igys ekSfnzd uhfr leh{kk esa fjolZ jsiks nj esa 25 cslhl IokbaV dh o`f¼ dhA bldk D;k izHkko gksxk&
1- cSdksa dh lk[k l`tu {kerk esa o`f¼
2- cktkj esa eqnzk dh vkiwfrZ esa o`f¼
3- eqnzkLiQhfr dks fu;af=kr nj esa j[ksxkA
dwV%
(a) dsoy 1 (b) 1] 2 vkSj 3 (c) dsoy 3 (d) 1 vkSj 2
37- vxLr 2014 esa flrEcj 2016 rd Hkkjr ds fu;kZr esa yxkrkj fxjkoV ns[kh xbZ bldk D;k dkj.k Fkk\
1- Hkkjr dk vk;kr fcy T;knk gksus ds dkj.k
2- pkyw [kkrk ?kkVk esa o`f¼ gksus ds dkj.k
3- oSf'od ekax esa deh
4- dPpsa rsy ds dkj.k fu;kZr fcy esa dehA
dwV
(a) 1 vkSj 2 (b) 2] 3 vkSj 4 (c) 3 vkSj 4 (d) 1] 3 vkSj 4
38- fuEufyf[kr dFkuksa ij fopkj dhft,&
1- Hkkjrh; LVsV cSad dk jk"Vªh;dj.k 19 vizSy 1969 esa fd;k x;kA
2- Hkkjr esa orZeku esa 21 jk"Vªh;d`r cSad gSA
3- ca/u cSad dk jk"Vªh;dj.k 2015 esa fd;k x;k
mi;qZDr esa ls dkSu lk dFku vlR; gSA
(a) dsoy 2 (b) dsoy 1 (c) 1 vkSj 3 (d) buesa ls dksbZ ughs
39- fuEufyf[kr dFkuks ij fopkj dhft,
1- ljdkj dh jk"Vªh; LVhy uhfr dk y{; 2030 rd 500 fefy;u ?kjsyw LVhy dk mRiknu djuk gSA
2- ljdkj fons'k O;kij uhfr ds rgr 2020 rd varjk"Vªh; fu;kZr esa Hkkjr fgLlk c<+kdj 3» djuk pkgrh gSA
mi;qZDr esa ls dkSu lk dFku lR; gSA
dwV
(a) dsoy 1 (b) dsoy 2 (c) 1 vkSj 2 (d) buesa ls dksbZ ugha
40- ljdkj gky gh esa LokLF; uhfr 2017 ysdj vkbZ gSA blds laca/ esa fuEufyf[kr dFkuksa ij fopkj dhft,
1- tuLokLF; O;; dks le;c¼ <ax ls thMhih dk 5» c<kus dk izLrko fd;k x;kA
2- 2017 rd dq"B jksx rFkk 2018 rd dkyktkj dks iwjh rjg lekIr djus dk y{;
3- fiNyh jk"Vªh; LokLF; uhfr 2000 esa cukbZ xbZ Fkh
mi;qZDRk esa ls dkSu lk dFku lR; gSA
(a) dsoy 2 (b) 1 vkSj 3 (c) 1] 2 vkSj 3 (d) buesa ls dksbZ ugha
41- fuEufyf[kr esa ls dkSu lk ;qXe lgh lqesfyr ugha gS\
1- bafM;k baDl & Hkkjr dk izFke baVjus'kuy LVkd ,Dlpsat
2- jslhMsDl & jk"Vªh; vkokl cSad
82 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
2- Hkkjr }kjk blds rgr izfrc¼rksa dks vf/lwfpr djus vkSj O;kikj lqxerk ij jk"Vªh; lfefr ds xBu dks eatwjh feyhA
3- uSjksch lEesyu esa Ñf"k mRikn ij lfClMh dks fodflr vkSj fodkl'khy ns'kksa }kjk 2017 rd lekIr djus dh opuc¼rk
'kkfey gSA
mi;qZDr esa ls dkSu lk dFku lR; gS\
dwV%
(a) 1] 2 vkSj 3 (b) dsoy 1 (c) dsoy 2 (d) 2 vkSj 3
48- ljdkj us jk"Vªh; tyekxZ fo/s;d 2015 ikfjr fd;k gSA bl laca/ esa fuEufyf[kr dFkuksa ij fopkj dhft,
1- jk"Vªh; tyekxZ laca/h dkuwu dsUnz lwph dk fgLlk gS
2- 106 vfrfjDr varnsZ'kh; tyekxZ dks ukS ifjogu gsrq jk"Vªh; tyekxZ ?kksf"kr djus dk izko/ku gSA
3- NW-2 dkdhukMk ls iqnqpsjh rd gSA
mi;qZDRk esa ls dkSu lk dFku lR; gS
dwV %
(a) 1] 2 vkSj 3 (b) 1 vkSj 2 (c) 2 vkSj 3 (d) dsoy 2
49- buesa dkSu lk ns'k gkVZ vkiQ ,f'k;k lewg dk lnL; gS
1- ckaXykns'k 2- Hkkjr 3- phu 4- fdfxZLrku
dwV%
(a) 1] 2 vkSj 3 (b) 1] 2] 3 vkSj 4 (c) 2] 3] 4 (d) 1] 2 vkSj 4
50- bues ls fdu {ks=kksa esa ljdkj us FDI dh lhek dks 100» Lopkfyr ekxZ ls vuqekU; gSA
1- bZ dkelZ 2- i'kqikyu
3- czkmu yscy ,Vhe 4- eYVh czkM cktkj
dwV%
(a) 1] 2 vkSj 3 (b) lHkh (c) 1 vkSj 2 (d) 2 vkSj 4
84 Hkfo"; ,dsMeh vkfFkZd if=kdk Hkkx&2 ,oa 3 104, First Floor, Above Aryan gas Agency, Jaina Complex,
Mukherjee Nagar, Delhi– 9
For Best PDF, Search on Google - "Nitin Gupta PDF"
2- elkyk ckaM& volajpuk ds fy, foÙk ldrh gS tcfd laln }kjk dkuwu ds rgr mls jk"Vªh;
43- D- 1- f=kus=k tyekXkZ ?kksf"kr fd;k tk, (lafo/ku dh 7 oha vuqlwph dh
la?k lwph dh izfof"V 24 ds rgr jk"Vªh; tyekxZ ds lanHkZ
2- dsoy lfoZl pktZ
esa dsanz ljdkj gh dkuwu cuk ldrh gS)A
44- B- ewY;o`f¼ vk;kr dks c<krk gSA
3- fdlh varnsZ'kh; tyekxZ dks jk"Vªh; tyekxZ ?kksf"kr dj fn,
45- C- {ks=kh; la;kstdrk ;kstuk tkus ij mlesa tgktjkuh ds fodkl vkSj fu;eu
46- D- rFkk ;a=kpkfyr okguks }kjk ukS ifjogu dsanz ljdkj ds vf/
dkj {ks=k esa vk tkrk gSA rFkkfi ty ds mi;ksx] lacafèkr
47- C- 1- VSfjiQ 'kqYd
Hkwfe] [kfut] vo;o] /krq] ckyw vkfn ds LokfeRo dk vf/
2- fodflr ns'k }kjk rqjar ykxw djuk vkSj fodkl'khy dkj jkT; ljdkj ds gh ikl jgrk gSA
ns'k }kjk 2018
49- C-
48- B- 1- NW2 lfn;k ls /qcjh
50- C-
2- Hkkjrh; varnsZ'kh; tyekxZ izkf/dj.k ds ekè;e ls
ukS ifjogu gsrq fdlh varnsZ'kh; tyekxZ dk rHkh fodkl dj