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811 # S´>r_ {S>\$a§Q> H«o${S>Q> H$mS>© åhUyZ H$aÊ`mV Ambobo Amho. _m` Q>r_ B_oO H$mS>© \$º$ {ZdS>H$ H$mS>© ìho[aE§Q²>ggmR>r CnbãY Amho - 811 # S´>r_ {S>\$a§Q>, amo`mb {g¾oMa, brJ ßb°{Q>Z_,
{S>bmB©Q> ßb°{Q>Z_, BgopÝe`m ßb°{Q>Z_ Am{U A~}Z JmoëS>.
K.ì`mO_wº$ H$mbmdYr:
{~qbJ gm`H$bÀ`m VmaIonmgyZ gwê$ hmoUmam ì`mO_wº$ H$mbmdYr 48 {Xdgm§nojm A{YH$ Zgob. 5 _o 2014 nmgyZ Vw_À`m H$mS>©darb
no_|QMr> Xo` VmarI {ddaUmÀ`m VmaIoZ§Va 18 Vo 21 {Xdgm§À`m Xaå`mZ Agy eHo$b (Zo_Š`m no_|Q> S>çy S>oQ>gmR>r H¥$n`m Vw_Mo {ddaU
(ñQ>oQ>_|Q>) VnmgyZ nhm). åhUyZ H«o${S>Q>Mm _mo\$V H$mbmdYr Vw_À`m no_|Q>À`m Xo` VmaIoZwgma 18-48 {Xdg Vo 21-51 {Xdg Agm Agy
eH$Vmo.
ì`mO_wº$ H$mbmdYrMr JUZm H$aÊ`mgmR>r CXmhaU:
11 E{àb Vo 10 _o øm H$mbmdYrÀ`m {ddaUmgmR>r no_|Q>Mr Xo` VmarI 28 _o Amho. g_Om, Vwåhr Vw_À`m AmYrÀ`m _{hÝ`mMo XoUonyU©V:
{Xbobo Agob, Va gdbVrMm H$mbmdYr Agob:
{XZm§H$ 12 E{àb amoOr Ho$boë`m IaoXrgmR>r ì`mO_wº$ gdbVrMm H$mbmdYr 12 E{àb Vo 28 _o = 48 {Xdg Agob Am{U {XZm§H$ 2 _o
amoOr Ho$boë`m IaoXrgmR>r ì`mO_wº$ gdbVrMm H$mbmdYr 2 _o Vo 28 _o = 27 {Xdg Agob.
na§Vw, Vwåhr Xo` VmaIonydu Oa AmYrÀ`m _{hÝ`mMr {e„H$ a¸$_ nyU©V: âbobr Zgob, Va ì`mO_wº$ H$mbmdYr {_iUma Zmhr.
L>. AW©nwadR>çmgmR>r AmH$ma (ì`mOmgmR>r AmH$ma)
Vwåhr Oa AmYrÀ`m {~bmMr a¸$_ nyU©V: qH$dm Xo` VmaIonydu âbr Zmhr, Va Vwåhmbm XaamoO â nS>Umao ì`mO AmH$mabo OmB©b; ì`dhma
Ho$ë`mnmgyZ Vo Vmo nyU© H$arn`ªV ì`mO AmH$mabo OmB©b. H°$e A°S>ìhmÝgogdarb ì`mO, JmoëS> \$m°À`w©Z Am{U 811 S´>r_ {S>\$a§Q> H$mS>©YmaH$m§Mm
AndmX dJiyZ, ì`dhmamÀ`m VmaIonmgyZ Vo nyU© hmoB©n`ªV (goQ>b_|Q>) ì`mO AmH$mabo OmB©b, H$maU Ë`m§À`mgmR>r gd© H°$e A°S>ìhmÝgog gmR>r
ì`mO_wº$ H$mbmdYrMm \$m`Xm {_iVmo. Vw_Mm IM©, no~°H$, dmna H$aÊ`mMm n°Q>Z© `m§Zgw ma ì`mOXa R>amdrH$ H$mbmdYrZ§Va Xa_hm 3.5%
(dm{f©H$ 42.0%) n`ªV ~XbÊ`mMr/dmTÊ`mMr eŠ`Vm AgVo. nyU© no_|Q> Oa Xo` VmaIoZ§Va na§Vw nwT>rb {ddaUmÀ`m VmaIoÀ`m nydu Ho$bo
Agob, Varhr ì`mO AmH$mabo OmB©b. Vwåhr H$mhr A§er no_|Q> H$arV am{hbmV, nU Vwåhr Oa Mmby {ddaUmVrb ~mH$s a¸$_ Xo` VmaIog
qH$dm Ë`mnydu nyU©V: Ho$bobo Agob, Va nyU© no_|Q> {_ion`ªV EHy$U òUo ~mH$s aH$_oda ì`mO AmH$mabo OmB©b. Aem àH$mao AmH$mabob o ì`mO
Ë`mZ§VaÀ`m {ddaUmV à{Vq~{~V hmoB©b.
CXm. 20 OyZÀ`m {ddaUmVrb EHy$U {e„H$ a¸$_ ₹500 Amho. no_|Q>Mr Xo` VmarI 8 Owb¡ Amho. `5000 Mo no_|Q> 1 Owb¡ amoOr Ho$bo.
`5000 darb 10 {Xdgm§Mo ì`mO 20 Owb¡À`m {ddaUmV {~qbJ Ho$bo OmB©b.
M. ì`mOmMr JUZm H$aÊ`mMo CXmhaU:
g_Om, 15 _mM© amoOr Ho$boë`m IaoXrn¡H$s Vw_À`mH$Sy>Z `10,000 òUo ~mH$s Amho. 31 _mM© amoOr V`ma H$aÊ`mV Amboë`m {ddaUmV òUo
~mH$s a¸$_ `10,000 XmI{dÊ`mV òB©b. 10 E{àb amoOr Vwåhr `4,000 Mo no_|Q> H$aVm. Am{U 10 E{àb amoOr Vwåhr `2,000 Mr IaoXr
H$aVm. Vwåhr Ë`mZ§Va H«o${S>Q> H$mS>©da 30 E{àbn`ªV H$mhrhr no_|Q> H$arV Zmhr. Aem ~m~VrV nwT>rbà_mUo ì`mO AmH$mabo OmB©b:

X¡Z§{XZ ì`mOmMm Xa= (3.4%)*12/365 = 0.1118%.
`10,000 {e„H$ aH$_oda(15_mM© -31_mM©) 17{Xdgm§gmR>r= 10000*0.1118%*17= `190.06
`10,000 {e„H$ aH$_oda (1E{àb-9E{àb) 9{Xdgm§gmR>r= 10000*0.1118%*9 = ` 100.6
`6,000{e„H$ aH$_oda(10E{àb- 14E{àb) 5{Xdgm§gmR>r= 6000*0.1118%*5 = `33.54
`8,000 {e„H$ aH$_oda (15 E{àb - 30 E{àb) 16 {Xdgm§gmR>r= 8000*0.1118%*16 = ` 143.10
AmH$mabobo EHy$U ì`mO = ` 467.24, EHy$U òUo ~mH$s `8467.24
darb CXmhaUmV EHy$U Xo` a¸$_ `8467.24 gh {ddaU V`ma H$aÊ`mV Ambo. Vwåhr 15 _o amoOr `8467.24 Mo no_|Q> Ho$bo Am{U _o
_{hÝ`mV H$mhrhr IaoXr Ho$br Zmhr. Ë`mZ§Va nwT>rb _{hÝ`mV 31 _o amoOr V`ma H$aÊ`mV Amboë`m {ddaUmV Vwåhmbm `132.51 EdT>o ì`mO
AmH$mabo OmB©b. (`8467.24 EdT>çm {e„H$ aH$_oda) (1 _o - 14 _o) 14 {Xdgm§gmR>r = 8467.24*0.1118%*14=132.53)
darb CXmhaUmV gaH$mar H$am§Mm (godmH$a, OrEgQ>r, doimodoir bmJy Agbobo H$moUVohr/gd© bmJy Agbobo H$a `m§À`mgh) g_mdoe Zmhr.
darb CXmhaU Xa_hm 3.4% EdT>çm {\$aË`m ì`mOXamgmR>r bmJy Amho Am{U H$mS>© ìho[aE§Q>Zgw ma ì`mO ~Xby eH$Vo.
Q>rn: Vwåhr Oa `5,000 IM© Ho$bm Am{U Vwåhr Xa_hm Zo_H$s {H$_mZ Xo` a¸$_ (""E_ES>r'') âbr Am{U Ë`mZ§Va 4 dfmªÀ`m
H$mbmdYrn`ªV naV\o$S> H$arV am{hbmV (E_ES>rgh Ho$bobr JUZm 10%) d n[aUm_ñdê$nr WH$sV aH$_oda ì`mO âbo. Agm g„m {Xbm
OmVmo H$s, Ooìhm Vw_À`mH$S>o amoI a¸$_ CnbãY hmoB©b, Voìhm E_ES>rnojm ~arM _moR>r a¸$_ ~±Ho$V âUm H$amdr. no_|Q>À`m Xo` VmaIoZ§Vahr
E_ES>r âUm Ho$bobr Zgob, Va {db§~ Xo` AmH$ma bmJy hmoVrb.
2. H«o${S>Q> Am{U amoI a¸$_ H$mT>Ê`mMr _`m©Xm
H«o${S>Q> {b{_Q> åhUOo Vwåhmbm Vw_À`m H«o${S>Q> H$mS>©da OmñVrVOmñV {H$Vr IM© H$aÊ`mMm A{YH$ma Amho Vr _`m©Xm. H$mS>©gmR>r AO© H$aVmZm
Vwåhr Am§Vaamï´>r` ì`dhma H$aÊ`mMm n`m©` {ZdSy> eH$Vm, Am§Vaamï´>r` ì`dhmam§gmR>rMo H«o${S>Q> {b_Q> ho OmñVrVOmñV _`m©XoEdT>oM Agob.
àËòH$ _{hÝ`mMo {ddaU V`ma H$aVmZmMo H«o${S>Q> {b{_Q> `m {ddaUmMm EH$ ^mJ åhUyZ nwa{dbo OmVo. H$mS>©Mr {S>{bìhar XoVmZm Vwåhmbm
H«o${S>Q> Am{U H°$e {dWS´>m°db {b{_Q> Vwåhmbm H$i{dbo OmVmV. H°$e {b{_Q> ho Vw_À`m H«o${S>Q> {b{_Q>MmM EH$ ^mJ Amho. ~±H$ Vw_À`m
ImË`mMo R>amdrH$ H$mbmdYrZ§Va nwZamdbmoH$Z H$arb Am{U A§VJ©V {ZH$fm§da AmYm[aV Vwåhmbm nyd©gyMZm Z XoVm Vw_Mo H«o${S>Q> {b{_Q> H$_r
H$ê$ eH$Vo. Oa Vwåhmbm Vw_Mo H«o${S>Q> {b{_Q> dmT>dyZ KoÊ`mMr BÀN>m Agob, Va Vwåhr Vgo ~±Ho$bm {bhyZ H$idyZ Am{U Vw_Mo CËnÞ Kmo{fV
H$aUmar Am{W©H$ H$mJXnÌo nwadyZ H$ê$ eH$Vm. Vwåhmbm Oa Am§Vaamï´>r` ì`dhma {ZpîH«$` H$amd`mMo AgVrb qH$dm H«o${S>Q> {b{_Q>
dmT>dm`Mo/H$_r H$amd`mMo Agob, Va Vwåhr Ë`mgmR>r ~±Ho$À`m J«mhH$g§nH©$ H|$Ðmer g§nH©$ gmYy eH$Vm. H«o${S>Q> {b{_Q> dmT>dm`À`m Vw_À`m
{d{eï> {dZ§VrÀ`m AmYmao ~±H$ ñdV:À`m {ddoH$m{YH$mamV {b{_Q>_Üò dmT> H$aÊ`mMm {dMma H$ê$ eHo$b.
3. {~b no_|Q>gmR>r Vw_Mm _mJ©Xe©H$
H$. Vw_Mo {ddaU (ñQ>oQ>_|Q>)
_{hÝ`mgmR>rMo no_|Q²>g Am{U Q´>±P°ŠeÝg XmI{dUmao _m{gH$ {ddaU ~±H$ Vwåhmbm nmR>drb. Oa òUo ~mH$s Agbobr a¸$_ `100 nojm H$_r
Agob Am{U H$mS>©ImË`mV H$moUVmhr ì`dhma Ho$bobm Zgob, Va {ddaU V`ma H$aÊ`mV/nmR>{dÊ`mV òUma Zmhr. Ago {ddaU Vw_À`m
nÎ`mda àË`j àVrÀ`m _mÜ`_mVyZ qH$dm Am_À`mH$S>o CnbãY Zm|XrZwgma Agboë`m B©_ob nÎ`mda B©_obÛmao nmR>{dÊ`mV òB©b. H$moQ>H$
EZAmaAm` H$mS>©YmaH$m§Zm Ago {ddaU \$º$ B©_obÛmao àmá hmoB©b. {ddaU àmá Pmbo Zmhr åhUyZ H$mS>©YmaH$ H$amam_Yrb Vw_Mo Xm{`Ëd
Am{U O~m~Xmar `m§da n[aUm_ hmoUma Zmhr Am{U Vwåhr no_|Q>À`m Xo` VmmaIonydu {H$_mZ Xo` a¸$_ âÊ`mg O~m~Xma Agmb.
I. Vwåhmbm {H$Vr a¸$_ âmd`mMr Amho Vo {ZdS>m
Oa no_|Q>À`m Xo` VmaIondu Vw_À`mH$Sy>Z {ZXmZ {H$_mZ Xo` aH$_oMo no_|Q> àmá Pmbo, Va Vwåhmbm boQ> no_|Q> MmO}g âmdo bmJUma ZmhrV.
Oa AmYrÀ`m {ddaUmVrb H$mhr E_ES>r {Xbobr Zgob, Va Vr Mmb E_ES>r_Üò OmoS>br OmD$ eH$Vo. Oa EHy$U òUo a¸$$_ hr H«o${S>Q>
{b{_Q>nojm A{YH$ Agob, Va OodT>çm aH$_oZo _`m©Xm Amobm§S>bobr Amho, Vrhr E_ES>r_Üò g_m{dï> Ho$br OmB©b. Vwåhr Oa ""EHy$U a¸$_''
âÊ`mMm n`m©` {ZdS>bm, Va Vwåhmbm ì`mO bmdbo OmUma Zmhr. ì`mO âUo Q>miÊ`mgmR>r Vwåhr Xo` Agbobr EHy$U a¸$_ âmdr Agm
g„m Amåhr XoVmo.
J. no_|Q²>g
H$mS>©À`m òUo aH$_ogmR>r Vw_À`mH$Sy>Z àmá Pmbobr no_|Q²>g gd© H$a, ewëH$ Am{U BVa AmH$ma, ì`mOAmH$ma, _m{gH$ háo, H°$e A°S>ì hmÝgog,
IaoXr Am{U Ë`mà_mUo {e„H$ aH$_oMo hñVm§VaU `m§gmR>r g_m`mo{OV Ho$br OmB©b. gd© no_|Q²>g Vwåhr ^maVr` én`m§_ÜòM Ho$br nm{hOoV .
K. no_|Q> H$aÊ`mMr nÕV
1) ñQ>±qS>J BÝñQ´>ŠeÝgÀ`m _mÜ`_mVyZ (Am°Q>mo S>o{~Q>) n¡go âm: Oa H$mS>©YmaH$mMo ~±Ho$V ImVo Agob, Va Vmo Aem ImË`mVyZ àËòH$ _{hÝ`mbm
no_|Q>À`m Xo` VmaIog n¡go dOm H$aÊ`mgmR>r boIr ñQ>±qS>J BÝñQ´>ŠeÝg XoD$Z ~MV ImË`mVyZ WoQ> a¸$_ ^ê$ eHo$b. H$moQ>H$ EZAmaAm` H«o${S>Q>
H$mS>©YmaH$mgmR>r {H$_mZ Xo` aH$_ogmR>r Am°Q>mo S>o{~Q> BÝñQ´>ŠeÝg XoUo A{Zdm`© Amho.
2) Am°ZbmB©Z n¡go âm: H$mS>©YmaH$mMo Oa ~±Ho$V ImVo Agob, Va Vmo Ë`mÀ`m B§Q>aZoQ> ~±qH$J nmgdS>©Mm Cn`moJ H$ê$Z Ë`mMo H«o${S>Q> H$mS>©Mo {~b
w.kotak.com da Am°ZbmB©Z ^ê$ eHo$b.
3) BVa H$moUË`mhr ~±Ho$Vrb Vw_À`m ~MV ImË`mVyZ Am°ZbmB©Z no_|Q> H$aÊ`mgmR>r: BVa H$moUË`mhr ~±Ho$Vrb Vw_À`m ImË`mVyZ/ImË`m§VyZ
ZoQ> ~±qH$JÀ`m/do~noÀ`m _mÜ`_mVyZ qH$dm ~±Ho$Zo g{H«$` Ho$boë`m BVa _mJmªZrgwÕm H«o${S>Q> H$mS>©Mr òUo a¸$_ âVm òD$ eHo$b.
4) emIm§_Üò amoI aH$_oÛmao n¡go âm: R>adyZ {Xboë`m {R>H$mUm§da H$m_H$mOmÀ`m doioV H$mS>©YmaH$ amoI a¸$_ ^ê$Z {~bmMo n¡go ^ê$ eHo$b.
H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS>©YmaH$ Ë`m§À`m H«o${S>Q> H$mS>©À`m {~bmMo n¡go emIm§_Üò amoI a¸$_ ^ê$Z H$ê$ eH$Uma ZmhrV. bmJy Agboë`m
AmH$mam§gmR>r, H¥$n`m da C„oI Ho$bobo Vnerb nhm.
5) MoH$ qH$dm {S>_m§S> S´>mâQ>À`m _mÜ`_mVyZ n¡go âm: ""H$moQ>H$ _qhÐm ~±H$ H«o${S>Q> H$mS>© XXXX XXXX XXXX XXXX'' `m ZmdmZo MoH$ qH$dm
S´>mâQ> V`ma H$am Am{U Vmo EQ>rE__Üò qH$dm nmQ>©Za S´>m°n ~m°Šgog_Üò Q>mH$m. H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS>©YmaH$ gd© no_|Q²>g \$º$ Ë`m§À`m
EZAmaB©/EZAmaAmo ImË`mVyZM H$ê$ eH$Vrb.
pìhOm H«o${S>Q> H$mS>© no_|Q>, B§Q>a ~±H$ _mo~mB©b no_|Q> gpìh©gog `m§gma»`m no_|Q>À`m BVa nÕVt{df`r Vnerbdma _m{hVr {_i{dÊ`mgmR>r Am{U
A{YH$ OmUyZ KoÊ`mgmR>r www.kotak.com bm ôQ> Úm.
L>. {~bm§{df`r VH«$matMo {ZdmaU
Oa H$mS>©YmaH$mZo H«o${S>Q> H$mS>©Mo no_|Q> H$moQ>H$ _qhÐm ~±Ho$EodOr XþgaH$`m ~±Ho$À`m _mÜ`_mVyZ Ho$bo, Am{U Ë`mZo H«o${S>Q> H$mS>©gmR>r Ho$boë`m
OmXm no_|Q>Mm naVmdm XoÊ`mgmR>r {dZ§Vr Ho$br, Va H$mS>©YmaH$mbm Ë`mZo Ho$boë`m eodQ>À`m XmoZ no_|Q>Mo ~±H$ ImË`mMo {ddaU gmXa H$amdo
bmJob.
{ddaUmV XmI{dbobo AmH$ma Oa H$mS>©YmaH$mbm _mÝ` ZgVrb, Va Ë`m{df`r {ddaU àmá Pmë`mnmgyZ H$moQ>H$ _qhÐm ~±Ho$À`m
nÌì`dhmamÀ`m nÎ`mda boIr ñdê$nmV 60 (gmR>) {Xdgm§À`m AmV H$i{dbo nm{hOo; Ago Z Ho$ë`mg {ddaUmV XmI{dbobo gd© AmH$ma
`mo½` AmhoV Am{U Vwåhmbm Vo ñdrH$mamh© AmhoV Ago g_OÊ`mV òB©b. H¥$n`m Zm|X ¿`m H$s, Am§Vaamï´>r` ì`dhmamÀ`m ~m~VrV Oa Vw_Mm
H$mhr dmX Agob, Va Vwåhr Vw_À`m nmgnmoQ>©Mr àV {XbrM nm{hOo.
H$mS>©YmaH$mZo Oa H«o${S>Q> H$mS>©gmR>r OmñVrMo no_|Q> Ho$bo Agob, Va Ë`mMm naVmdm \$º$ H«o${S>Q> H$mS>©À`m ImË`mVM {Xbm OmB©b. Oa H«o${S>Q>
H$mS>© aÔ H$aÊ`mV Ambobo Agob, Va H$mhr OmñVrMo n¡go AgVrb, Va Vo J«mhH$mÀ`m ~MV ImË`mVM nmR>{dÊ`mV òVrb.
4. J«mhH$g§nH©$ H|$Ð
Am_À`mer Ho$boë`m gd© nÌì`dhmam_Üò H¥$n`m Vw_Mm 16 A§H$s H$moQ>H$ H«o${S>Q> H$mS>© H«$_m§H$ Xe©dm. Vwåhr ~±Ho$er Imbrbn¡H$s H$moUË`mhr
EH$m _mJm©Zo g§nH©$ gmYy eH$Vm.
(H$) Am_À`m 24 Vmg CnbãY Agboë`m 1800 266 2666 øm J«mhH$godm H|$ÐmÀ`m H«$_m§H$mda H$m°b H$ê$Z (ñWm{ZH$ H$m°bXa bmJy).
àrìhr brJ J«mhH$ 1800 266 2666 øm H«$_m§H$mda (Q>mob-\«$s) H$m°b H$ê$ eH$VmV. XÿaÜdZr H«$_m§H$m§Mo Vnerb w.kotak.com da CnbãY
AmhoV. (I) w.kotak.com da bm°J BZ H$ê$Z qH$dm Vw_À`m B§Q>aZoQ> ~±qH$J ImË`mÀ`m _mÜ`_mVyZ. (J) Hw$[aAaÀ`m _mÜ`_mVyZ - X gpìh©g
_°ZO
o a, H$moQ>H$ _qhÐm ~±H$ {b{_Q>oS>, 3am _Obm, AmH¥$Vr EgE_gr, bmb ~hmXÿa emór _mJ©, ImonQ>, R>mUo (n.), _hmamï´> - 400601,
^maV. (K) Zoh_rÀ`m nmoñQ>mÛmao: H$moQ>H$ _qhÐm ~±H$ {b., H$moQ>H$ H«o${S>Q> H$mS>©²g nmoñQ> ~m°Šg H«$. 27703, _mbmS> (nyd©), _w§~B© -
400097, ^maV.
5. VH«$ma{ZdmaU/VH«$mar/VH«$mar daÀ`m nmVirda ZoUo
Ago KS>Ê`mMr eŠ`Vm Zmhr, nU Varhr Vwåhr Oa Am_À`m godm§{df`r g_mYmZr ZgbmV, Va Vwåhr Vw_Mr VH«$ma `m nX²WVrZo Zm|Xdy
eH$mb: (1)www.kotak.com darb ""VH«$ma AO©'' ^ê$Z (2) J«mhH$g§nH©$ H|$Ðmbm H$m°b H$ê$Z (3) gpìh©g _°ZoOa-gpìh©g
Am°naoeÝg `m§Zm {bhÿZ (4) VH«$ma daÀ`m nmVirda ZoÊ`mgmR>r Vwåhr E_. amOy, ZmoS>b Am°{\$ga, H«o${S>Q> H$mS>©²g {S>pìhOZ `m§Zm
nodalofficer@kotak.comda {bhÿZ H$idy eH$Vm. Oa Vw_Mr VH«$ma ~±Ho$V àmá Pmë`mnmgyZ 30 {Xdgm§À`m AmV {ZdmaU Ho$br Jobr Zmhr, Va
Vr VH«$ma ~±Ho$À`m bmoH$m`wº$m§H$S>o (~±qH$J Am|~yS²>g_Z) `m§À`mH$S>o nwT>o nmR>dVm òB©b. Vw_À`m [R>H$mUmgmR>rÀ`m ~±q H$J Am|~yS²>g_ZMo
(bmoH$nmb) Vnerb emIm§_Üò àX{e©V H$aÊ`mV Ambobo AmhoV.
6. naV\o$S>rVrb Hw$MamB©
H$mS>©YmaH$mZo Oa {ZXmZ Xo` Agbobr {H$_mZ a¸$_ âbr Zmhr, Va H$mS>©YmaH$mbm/H$m§Zm Ë`m§Mr Xo` a¸$_ âÊ`mgmR>r Ë`mZ§Va àËòH$
{ddaUmV AmR>dU H$ê$Z {Xbr OmB©b. 6 _{hÝ`m§nojm A{YH$ H$mi a¸$_ WH$sV am{hë`mg H$mS>©YmaH$mbm "{db\y$b {S>\$m°ëQ>a' åhUyZ Kmo{fV
H$aÊ`mV òB©b. Hw$MamB© Pmë`mg Ë`mgmR>rMm nmR>nwamdm Q>nmbmÛmao, \°$Šg Am{U XÿaÜdZr, BboŠQ´>m°{ZH$ _ob, EgE_Eg g§Xoe Am{U/qH$dm
V¥Vr` njm§Zm nmR>dnwamdm H$ê$Z WH$sV a¸$_ dgyb H$aUo Aem _mÜ`_mVyZ Ho$bm OmB©b. ~±H$ Am{U Aem àH$mao {Z`wº$ Ho$bobm V¥Vr` nj,
H«o${S>Q> H$mS>© Am°naoeÝg A±S> H$boŠeZ Am°\$ S>çyO A±S> [anPoeZ Am°\$ goŠ`w[aQ>r nm°{bgr `mgmR>r Agbobr doimodoir gwYm[aV H$aÊ`mV
Amboë`m ~±Ho$À`m AmXe© AmMma g§{hVoMo nmbZ H$arb. Hw$MamB©À`m ~m~VrVrb _m{hVr {_imbobo H$moUVohr àH$aU _mJo KoÊ`mMm ~±Ho$bm
A{YH$ma Agob, Oa:
• Aem Hw$MamB© H$aUmè`mZo Ë`mÀ`mH$Sy>Z òUo AgUmar g§nyU© a¸$_ ~±Ho$H$S>o âbr qH$dm Ë`mMr Xo` a¸$_ ~±Ho$H$S>o diVr Ho$br.
• ~±Ho$bm Ý`m`mb`mH$Sy>Z Agm AmXoe àmá Pmbobm Agob Á`mV Ý`m`mb`mV XmIb H$aÊ`mV Amboë`m àH$aUmV H$mS>©YmaH$mMo Zmd
dJiÊ`mg gm§{JVbo Agob. d¡`{º$H$ nwZamdbmoH$Z Ho$ë`mÀ`m AmYmao àËòH$ àH$aUmZwgma {ZU©` KoVbm OmB©b.
• Cnamoº$ n[apñWVrV H$mS>©YmaH$mÀ`m Zm|Xr nwT>rb _{hÝ`mÀ`m [a\«o$e_Üò H«o${S>Q> ã`wamoH$S>o "H$a§Q>' åhUyZ AÚ`mdV Ho$ë`m OmVrb.
Oa H$mS>©YmaH$mMm _¥Ë`y Pmbm qH$dm Ë`mbm An§JËd Ambo, Va ~±H$ {VÀ`m {ddoH$m{YH$mamV H$mS>©ImË`m/Ë`m§VyZ òUo ~mH$s Agbobr a¸$_
dgyb H$aÊ`mgmR>r CnbãY Agbobo gd© H$m`Xoera Am{U B{¹$Q>rer g§~§{YV gd© _mJ© Adb§~rb, Á`mV bmJy Agboë`m H$moUË`mhr {d_m
g§ajUmÀ`m aH$_oVyZ qH$dm H$mS>Y© maH$mMo dmag/EpŠPŠ`wQ>g©/A°S>{_{ZñQ´>Qo >g© `m§À`mH$Sy>Z H$mS>©Mr òUo a¸$_ dgyb H$aÊ`mMm g_mdoe hmoVmo.
H$mS>© Oa hadbo qH$dm Mmoarbm Jobo, Va AZ{YH¥$V dmnamnmgyZ H$mS>©YmaH$mbm g§ajU nwa{dÊ`mV Ambobo Amho, Á`mV àËòH$ dfm©gmR>r
{gëìha H$mS>©H$[aVm `25,000, JmoëS> H$mS>©gmR>r `1,00,000, ßb°{Q>Z_ H$mS>©gmR>r `1,25,000, {g¾oMa H$mS>©gmR>r `2,50,000 Am{U
{à{_A_ H$mS>©gmR>r `10,00,000 aH$_oMm {d_m KoVbobm AgVmo. {då`mÀ`m g§ajUmg§~§YrMo Vnerbdma ñnï>rH$aU www.kotak.com da
XoÊ`mV Ambobo Amho.
7. H$mS>©YmaUm I§{S>V H$aUo/_mJo KoUo
H$mS>©YmaH$ Ë`mMr H«o${S>Q> H$mS>©Mr gw{dYm boIr {dZ§Vr XoD$Z qH$dm ~±Ho$À`m J«mhH$g§nH©$ H|$Ðmbm H$m°b H$ê$Z H$moUË`mhr doir I§{S>V H$aÊ`mMm
n`m©` {ZdSy> eHo$b Am{U H$mS>M© o H$U©aofoV XmoZ VwH$S>o H$ê$ eHo$b. Vw_À`mH$Sy>Z òUo ~mH$s Agbobr a¸$_ VmËH$mi Xo` ~Zob. H«o ${S>Q> H$mS>©Mm
dmna Oa 150 {Xdgmnojm Am{YH$ H$mi H$Yrhr Ho$bm Zgob, Va gwa{jVVoÀ`m H$maUmñVd H$mS>© VmËnwaË`m ñdê$nmV ãbm°H$ H$aÊ`mV òD$
eHo$b.
H$moQ>H$ _qhÐm ~±Ho$bm Oa amñVnUo Ago dmQ>bo H$s, ì`dgm`mÀ`m Ñï>rZo qH$dm gwa{jVVoÀ`m H$maUmñVd H$mS>©Mm Cn`moJ H$aUo aÔ H$aUo
Amdí`H$ Amho - Á`mV Vwåhr no_|Q>gmR>r Ho$bobm {db§~, H«o${S>Q> {b{_Q>Mr _`m©Xm Amobm§S>Uo qH$dm MoH$ Z dQ>Uo `m§Mm g_mdoe Amho - Va
~±H$ H$mS>©Mm Cn`moJ aÔ H$ê$ eHo$b.
8. H$mS>© Jhmi hmoUo/Mmoar hmoUo
• H$mS>© Jhmi Pmë`mg H$mS>©YmaH$mZo J«mhH$g§nH©$ H|$Ðmbm H$m°b H$ê$Z ~±Ho$bm VmËH$mi H$i{dbo nm{hOo. H$mS>©YmaH$mZo {dZ§Vr Ho$ë`mg
H$mS>©Mm Xþén`moJ hmoD$ Zò åhUyZ ~±H$ VmËH$mi H$mS>© {ZpîH«$` H$aÊ`mMm à`ËZ H$arb. H$mS>©YmaH$mZo nmo{bgm§H$S>o n{hbr I~a
(E\$AmaAm`) Zm|XdbrM nm{hOo. na§Vw Ooìhm H$moUrVar H$mS>©YmaH$mÀ`m qH$dm A°S>-Am°Z H$mS>©YmaH$mÀ`m g§_VrZo/g§_Vr{edm`
H$mS>©YmaH$mÀ`m {nZMm J¡admna Ho$bm qH$dm H$mS>©YmaH$mZo \$gdUwH$sMo ì`dhma Ho$bo qH$dm nwaoer H$miOr KoVbr Zmhr, Va H$mS>©YmaH$
gd© ZwH$gmZmgmR>r O~m~Xma Agob.
• Vwåhr H$mS>© Jhmi Pmë`m~Ôb H$moQ>H$ _qhÐm ~±Ho$bm H$i{dë`mZ§Va, Vwåhr gagH$Q> {ZîH$miOrnUm Ho$bobm Zgob, Va H$mS>©À`m
Xþén`moJmgmR>r Vwåhr O~m~Xma Zgmb.
• J«mhH$mH$Sy>Z Xo` Agbobr a¸$_ Oa _MªQ>Zo AmH$mabr - _J {VÀ`m{df`r J«mhH$mZo dmX C^m Ho$bobm Agmo dm Zgmo - Va J«mhH$mbm
bmJy Agboë`m {~qbJ gm`H$bZwgma J«mhH$ ~±Ho$bm no_|Q> H$aÊ`mg O~m~Xma Agob. Ë`mì`{V[aº$, ~±Ho$Zo Oa no_|Q> Ho$bobo Agob, Va
Vr a¸$_ J«mhH$mH$Sy>Z dgyb H$aÊ`mMm ~±Ho$bm A{YH$ma Agob. {edm`, aH$_o{df`r dmX Agë`mg, J«mhH$mbm {~qbJ gm`H$bZwgma
{VMo no_|Q> H$amdo bmJob Am{U dmXmMm {ZH$mb/n[aUm_ H$m` bmJVmo ømMr àVrjm H$aVm òUma Zmhr. J«mhH$mMo ~±Ho$~amo~aMo
{dÚ_mZ g§~§Y g§nbobo AmhoV Am{U/qH$dm H$moUË`mhr H$maUm_wio H$mS>© {Zb§{~V/~§X H$aÊ`mV Ambobo Amho, ho {dMmamV Z KoVm,
~±Ho$Mm dgyb H$aÊ`mMm A{YH$ma Am{U J«mhH$mMr no_|Q> H$aÊ`mMr O~m~Xmar d¡Y Am{U ApñVËdmV amhrb.
9. AñdrH¥$Vr
H$mS>©YmaH$ H$~yb H$aVmV H$s, {dÚ_mZ ì`dgm`mÀ`m ZrVrZwgma ~±Ho$bm H«o${S>Q> H$mS>©g§~§YrMr _m{hVr H$moUË`mhr H«o${S>Q> ã`wamobm (gÜ`mÀ`m
qH$dm ^{dî`mVrb) J«mhH$mbm H$moUVrhr gyMZm Z XoVm CKS> H$aÊ`mMm A{YH$ma Amho. H«o${S>Q> BÝ\$m°_}eZ ã`wamo Am°\$ B§{S>`m ({g{~b) Am{U
BVa H«o${S>Q> ã`wamoO² ho Am{W©H$ àUmbrMr H$m`©nÕVr gwYmaÊ`mgmR>r Am{U {VÀ`m ñW¡`m©gmR>r Agbobo ^maV gaH$maMo Am{U ^maVr` [aPìh©
~±Ho$Mo CnH«$_ AmhoV. H$mS>© AH$mD§$Q>er g§~§{YV WH$sV no_|Q>{df`rMr VmOr/AÚ`mdV _m{hVr, ~±Ho$bm no_|Q> àmá Pmë`mZ§Va 60
{Xdgm§À`m AmV {g{~b/BVa H«o${S>Q> ã`wam|H$S>o à{Vq~{~V hmoB©b. Amåhr H$mS>©YmaH$m§Zm Aerhr _m{hVr XoD$ BpÀN>Vmo H$s, ~±H$ ñdV:À`m
{ddoH$m{YH$mamV ~±Ho$bm `mo½` dmQ>ob Ago H$mS>©YmaH$ Am{U ~±Ho$Mo à{V{ZYr `m§À`mVrb {d{eï> g§^mfU, Oa Vo g§^mfU VH«$marer qH$dm
no_|Q> dgyb H$aÊ`mer g§~§{YV Agob Va aoH$m°S>© H$arb.
H$mS>©YmaH$mgmR>r H$ama
({Z`_ d AQ>r)
J«mhH$ ho _mÝ` H$aVmo/Vo H$s, H«o${S>Q> H$mS>©À`m _mÜ`_mVyZ godm àmá H$aUo ho nwT>rb {Z`_ d AQ>tÀ`m, VgoM ~±Ho$Zo doimodoir Omar Ho$bobo ~±Ho$Mo
gd©gmYmaU {Z`_ d AQ>r Am{U ImË`m§gmR>rMo d godm§gmR>rMo {Z`_ Am{U ^maVr` [aPìh© ~±Ho$Zo (""Ama~rAm`'') qH$dm H$moUË`mhr {Z`m_H$
àm{YH$aUmZo doimodoir Ho$bobo {Z`_ d {Z`_mdbr qH$dm gwYmaUm (""{Z`_ d {Z`_mdbr"") `m§À`m AYrZ Amho.
Imbr {Xbobo {Z`_ ho, H$moUË`mhr {d{eï> H$mS>©gmR>r Agboë`m Img {Z`_m§Mm AndmX dJiVm, H«o${S>Q> H$mS>©À`m gd© ìho[aE§Q²>gZm bmJy hmoVrb.
1. ì`m»`m
1.1. ""ImVo'' åhUOo gd©gmYmaU {Z`_ d AQ>tÀ`m Am{U ImVr Am{U godm `m§À`mgmR>rÀ`m {Z`_m§À`m A§VJ©V ~±Ho$H$S>o Agbobo ImVo.
1.2. ""AO©Xma'' åhUOo: (1) H$moQ>H$ _qhÐm ~±H$ H«o${S>Q> H$mS>©gmR>rÀ`m AOm©da ghr Ho$bobr H$moUVrhr ì`º$s (2) H$mS>©da ghr Ho$bobr
qH$dm Ë`mMm dmna Ho$bobr H$moUVrhr ì`º$s.
1.3. ""A°S>-Am°Z H$mS>©'' åhUOo àm`_ar H$mS>©YmaH$mZo Zm_{ZX}{e©V Ho$boë`m ì`º$sbm XoÊ`mV Ambobo A{V[aº$ H$mS>©.
1.4. ""A°S>-Am°Z H$mS>©YmaH$'' åhUOo Á`m ì`º$sg A°S>-Am°Z H$mS>© XoÊ`mV Ambobo Amho Vr ì`º$s Am{U Ë`mA§VJ©VMr XoUr XoÊ`mMr
O~m~Xmar hr àm`_ar H$mS>©YmaH$mMr AgVo.
1.5. ""A{YH¥$V {dVaH$'' åhUOo naH$s` MbZ ì`dñWmnZ H$m`Xm, 1999 (""\o$_m'') A§VJ©V {Xboë`m ì`m»òZwgma naH$s` MbZmer
qH$dm naH$s` à{V^yVter g§~§{YV ì`dhma H$aÊ`mMo A{YH$ma XoÊ`mV Ambobr ì`º$s qH$dm Am°\$emoAa ~±qH$J `w{ZQ>
1.6. ""H$mS>©/H«o${S>Q> H$mS>©'' åhUOo H$mS>©YmaH$mbm ~±Ho$H$Sy>yZ XoÊ`mV Ambobo ½bmo~b H«o${S>Q> H$mS>©, Á`mV JmoëS> H$m°nm}aoQ>, {~{PZo, ßb°{Q>Z_
Am{U {g¾oMa H«o${S>Q> H$mS>©²g Am{U ~±Ho$Zo A°S>-Am°Z H$mS>g© h doimodoir {Xbr OmD$ eH$Vrb Aer BVa H$mS>©²g `m§Mm g_mdoe Amho.
1.7. ""H$mS>©ImVo/H«o${S>Q> H$mS>©ImVo'' åhUOo H$mS>©Mm dmna H$ê$Z ì`dhma H$aÊ`mgmR>r d Ë`mMdoir H$mS>© XoD$Z ~±Ho$V CKS>bobo/br Am{U
Mmby R>do bobo/br H$moUVohr/H$moUVrhr nmÌ ImVo/ImVr.
1.8. ""H$mS>© ImË`mMo {ddaU'' åhUOo ~±Ho$Zo R>amdrH$ H$mbmdYrZ§Va à_wI (àm`_ar) H$mS>©YmaH$mbm nmR>{dbobo {ddaU, Á`mV
H$mS>©ImË`mVrb O_m Am{U Zmdo a¸$_ Xe©{dbobr AgVo.
1.9. ""H$mS>©YmaH$'' åhUOo `m {Z`_ d AQ>tÀ`m A§VJ©V Á`m J«mhH$mbm H$mS>© XoÊ`mV Ambobm Amho Vmo, Á`mV A°S>-Am°Z H$mS>©YmaH$mMmhr
g_mdoe Amho.
1.10. ""amoI aH$_oMr _`m©Xm'' åhUOo H$mS>©YmaH$ qH$dm A°S>-Am°Z H$mS>©YmaH$ Ë`mÀ`m H$mS>©ImË`mVyZ OodT>r a¸$_ H$mTy> eH$Vmo Vr ~±Ho$Zo
R>adyZ {Xbobr qH$dm {ZYm©[aV Ho$bobr H$_mb amoI a¸$_ qH$dm VodT>çm aH$_oÀ`m _yë`mMr a¸$_. hr _`m©Xm åhUOo H$mS>©YmaH$mÀ`m
H«o${S>Q> {b{_Q>MmM EH$ ^mJ Agob.
1.11. ""H«o${S>Q> {b{_Q>'' åhUOo {d{eï> H$mS>©YmaH$mbm ~±Ho$Zo Ho$boë`m _yë`_mnZmZ§Va XoÊ`mV òUmar H$_mb nV_`m©Xm Am{U Or
H$mS>©ImË`mbm OmoS>br OmVo. Oa H$mS>©YmaH$mH$S>o 2 qH$dm Ë`mnojm A{YH$ H$moQ>H$ H«o${S>Q> H$mS>©²g AgVrb, Va gd© H«o${S>Q> H$mS>©²gMr
{_iyZ EHy$U nV_`m©Xm hr àËòH$ H«o${S>Q> H$mS>©gmR>r XoÊ`mV Ambobr Or ñdV§Ì _`m©Xm gdm©{YH$ Agob Vr Agob, CXmhaUmW©, Oa
EH$m H$mS>©gmR>r
`1 bmIm§Mr _`m©Xm Agob Am{U Xþgè`m H$mS>©gmR>r `1.5 bmIm§Mr _`m©Xm Agob, Va XmoÝhr H$mS>©gmR>rMr nV_`m©Xm hr `1.5 bmI
EdT>rM Agob.
1.12. ""S>oqb¹§$Q> AH$mD§$Q>'' åhUOo H$mS>©YmaH$mMo ImVo, _mJrb WH$~mH$s AgVo Am{U ~±Ho$À`m _Vo Ë`mMr nV (H«o${S>Q> ñQ>±qS>J)
Ag_mYmZH$maH$ AgVo.
1.13. ""B©S>rgr'' åhUOo H$moUVohr BboŠQ´>m°{ZH$ S>oQ>m H°$ßMa Q>{_©Ýg, qàQ>g©, BVa no[a\o$aëg Am{U A°Šgog[aO² Á`m§_Üò {nZ n°S²>g Am{U
gm°âQ>doAa MmbÊ`mgmR>r Amdí`H$ Agbobr {S>ìhmB©gog `m§Mm g_mdoe Amho, _J Vr ^maVmV AgmoV dm naXoemV, Vr ~±Ho$Mr AgmoV
dm eAS>© ZoQ>dH©$Mr AgmoV, Á`m§Mm Cn`moJ BVa Jmoï>t~amo~aM, H$mS>©YmaH$ ~±Ho$Zo Ë`mbm {Xboë`m H$mS>©Mm Cn`moJ H$ê$Z _MªQ>
EñQ>°pãbe_|Q>_Üò ì`dhma H$aÊ`mgmR>r H$aVm òB©b.

1.14. ""BboŠQ´>m°{ZH$ _r{S>`m'' åhUOo BVa ~m~t~amo~aM EQ>rE_O², \$moZ (Á`mV \°$ŠgMmhr g_mdoe Amho), _mo~mB©b, B§Q>aZoQ> Am{Q>
nrAmoEg.
1.15. ""EpŠP_'' åhUOo ^maVr` [aPìh© ~±Ho$Zo {ZYm©[aV Ho$bobo ^maVmMo Am`mV {Z`m©V YmoaU, Á`mV doimodoir Ho$boë`m gwYmaUm§Mmhr
g_mdoe hmoVmo.
1.16. ""Am§Vaamï´>r` ì`dhma'' åhUOo H$mS>©YmaH$mZo Ë`mMo H$mS>© dmnê$Z ^maV, Zonmi Am{U ^yVmZ Xoem§À`m ~mhoa Ho$bobo ì`dhma
(Q´>P
± °ŠeÝg).
1.17. ""H$moQ>H$ _qhÐm ~±H$'' qH$dm ""~±H$'' qH$dm ""X ~±H$'' qH$dm ""Ho$E_~r'' qH$dm ""Amåhr'' qH$dm ""Amåhmbm'' qH$dm ""Am_Mo''
åhUOo H$moQ>H$ _qhÐm ~±H$ {b{_Q>oS>, Or H§$nZr H$m`Xm, 156À`m A§VJ©V g§ñWm{nV Pmbobr AgyZ {VMo Zm|XUrH¥$V H$m`m©b` 27
~rHo$gr,
gr 27, Or ãbm°H$, dm§Ðo-Hw$bm© g§Hw$b, dm§Ðo (ny.), _w§~B© - 400 051, ^maV òWo Amho Am{U Ë`mV, `mVrb _OHw$amer {damoYm^mgr
Zgob, Va Ë`m§Mo à{V{ZYr, dmag Am{U A{^hñVm§{H$Vr (Agm`Zr) `m§Mm g_mdoe hmoVmo.
1.18. _MªQ>''/_MªQ> EñQ>°pãbe_|Q>''/nm{Q©>{gnoqQ>J _MªQ> EñQ>°pãbe_|Q>'' (nrE_B©) åhUOo H$moUË`mhr {R>H$mUr Agbobr H$moUVrhr
AmñWmnZm, {Obm ~±Ho$Zo Am{U/qH$dm BVa pìhOm/_mñQ>aH$mS©>/éno g^mgX ~±H$m§Zr _mÝ`Vm {Xbobr Agob Am{U Ë`m§À`m~amo~a
H$mS©>YmaH$m§Zm dñVy Am{U godm {dH$Ê`mgmR>r H$mS>©²g ñdrH$maÊ`mMr Am{U Am°Za H$aÊ`mMr ì`dñWm Ho$bobr AgVo, Á`mV BVa
~m~t~amo~aM ~±Ho$Zo, pìhOm B§Q>aZ°eZbZo qH$dm H$mS>©²g Am°Za H$aUmè`m _MªQ> `m§Zr Om{hamV Ho$bobo ñQ>moAg©, em°ßg, aoñQ>m°a§Q²g,
EAabmB©Ýg, `m§Mm g_mdoe hmoVmo. Ë`mMm AW©, ~±Ho$Zo doimodoir Omhra Ho$bobr, H$moUË`mhr {R>H$mUr Agbobr H§$nZr, H$m°nm}aoeZ,
AmñWmnZm, \$_©, ì`º$s¨Mr g§ñWm qH$dm ì`º$s qH$dm H$moUVrhr g§ñWm (E§Q>rQ>r), Á`m§À`mgmo~V H$mS©>YmaH$m§Zm godm XoÊ`mgmR>r ~±Ho$Zo
ì`dñWm Ho$bobr Agob.
1.19. ""nm{Q>©{gnoqQ>J EQ>rE_O²'', ""nrE'' qH$dm ""EQ>rE_O²'' `m§_Üò ~±Ho$À`m Am°Q>mo_oQ>oS> Q>oba _{eÝg (EQ>rE_²O) Am{U BVa ~±H$m§À`m
_mbH$sMr EQ>rE_O², Or pìhOm/_mñQ>aH$mS>©/éno `m§À`m eoAS>© no_|Q> ZoQ>dH©$_Üò gh^mJr hmoV AmhoV Am{U Á`m§Mm Cn`moJ
H$mS>©YmaH$ H$ê$ eH$Vmo.
1.20. ""{nZ'' qH$dm ng©Zb Am`S>|{Q>{\$Ho$eZ Z§~a åhUOo Am{U Ë`mV g_m{dï> Amho `mÑpÀN>H$nUo OZaoQ> Pmbobm H$moUVmhr Jwá Am{U
JmonZr` H$moS>, Omo ~±Ho$Zo H$mS>©À`m g§~§YmV H$mS>©YmaH$mbm ~hmb Ho$bm OmVmo Am{U/qH$dm Ë`mV Ë`mZ§Va H$mS>©YmaH$mÛmao Ë`mÀ`m
BÀN>oZwgma ~Xb Ho$bm OmVmo.
1.21. ""nrAmoEg'' åhUOo nm°BªQ> Am°\$ gob Q>{_©Zb, _J ^maVmVrb AgmoV dm naXoemVrb, `m ~±Ho$Mr AgmoV dm eoAS>© ZoQ>dH©$Mr AgmoV,
Á`m§_Üò BVa ~m~t~amo~aM, H$mS>©YmaH$ Ë`mÀ`m H$mS>©Mm Cn`moJ ~±Ho$V Agboë`m H$mS>©ImË`mVrb {ZYrMm dmna H$aÊ`mgmR>r H$ê$
eH$Vmo.
1.22. ""àm`_ar H$mS>©YmaH$'' åhUOo ~±Ho$Zo Á`m AO©XmamÀ`m ZmdmZo ImVo CKS>bobo Amho Agm H$mS>©YmaH$.
1.23. ""àm`_ar H$mS>©'' åhUOo àm`_ar H$mS>©YmaH$mbm XoÊ`mV Ambobo H$moQ>H$ _qhÐm ~±H$ ½bmo~b H«o${S>Q> H$mS>©.
1.24. ""[adm°S>© àmoJ«°_'' åhUOo `mVrb H$b_ 27 _Üò Vnerbdma C„oI Ho$bobm H$moQ>H$ _qhÐm ~±H$ [adm°S>© àmoJ«°_.
1.25. ""goëg ñbrn''/""MmO© ñbrn'' åhUOo _MªQ> Q>{_©Zb qH$dm nrE_B© `m§À`mÛmao OZaoQ> Ho$bobr ñbrn, {OÀ`m_Üò H$mS>Y© maH$mZo
nrE/nrE_B©/Q>{_©Zëgda Ho$boë`m ì`dhmamMo/am§Mo _yë` Xe©{dbobo AgVo Am{U Vr H$mS>©YmaH$mZo ñdV:H$S>o R>odm`Mr AgVo.
1.26. ""Q>{_©Zb'' _Üò, nrE_B©À`m {R>H$mUr Agbobo gd© gm°âQ>doAa, no[a\o$aëg Am{U A°Šgo[aO² `m§Mm g_mdoe hmoVmo, Á`m§Mr Amdí`H$Vm
H$mS>©YmaH$mÀ`m ì`dhmam§da à{H«$`m H$aÊ`mgmR>r Agbobr CnH$aUo Mmb{dÊ`mgmR>r AgVo d Ë`m§_Üò BboŠQ´>m°{ZH$ S>oQ>m H°$ßMa (B©S>rgr)
Q>{_©Zëg, pìhOm/_mñQ>a H$mS>©/éno Q>{_©Zëg, qàQ>g©, ng©Zb Am`S>|{Q>{\$Ho$eZ Z§~a ({nZ) n°S²>g `m§Mm g_mdoe hmoVmo.
1.27. ""Q´>P
± °ŠeZ'' (ì`dhma) åhUOo H$mS>©YmaH$mZo Ë`mÀ`m H$mS>©Mm Cn`moJ H$ê$Z EQ>rE_ qH$dm nrE_B©da qH$dm BboŠQ´>m°{ZH$ _mÜ`_mVyZ
H$mS>©ImVo A°Šgog H$ê$Z ì`dhma H$aÊ`mgmR>r àË`j qH$dm AàË`j ~±Ho$bm {Xboë`m H$moUË`mhr gyMZm.
""ìh°{bS> MmO©'' (d¡Y AmH$ma) åhUOo H$mS>©YmaH$mbm H$mS>© YmaU Ho$ë`m~Ôb bmJy Agbobm Am{U AmH$mabm OmV Agbobm AmH$ma
Am{U [adm°S>© nm°BªQ²>g XoÊ`mgmR>r \$º$ Agm d¡Y AmH$maM {dMmamV KoVbm nm{hOo.
1.28. ""pìhOm'' qH$dm ""pìhOm BboŠQ´>m°Z'' Mm AW© Agob pìhOm B§Q>aZ°eZbÀ`m _mbH$sMm _mH©$.
1.29. ""pìhOm/ßbg EQ>rE_ ZoQ>dH©$''Mm AW© Agob, ^maVmV Am{U naXoemV Agbobo EQ>rE_, OoWo pìhOm/pìhOm ßbg qH$dm pìhOm
BboŠQ´>m°Z qg~m°b Xe©drV AgyZ OoWo H$mS>© Am°Za Ho$bo OmVo.
1.30. ""_mñQ>aH$mS>©'' qH$dm ""_mñQ>aH$mS>© BboŠQ´>m°{ZH$'' qH$dm ""_oñQ´>mo'' qH$dm eoAS>© ZoQ>dH©$ òWo, BVa ~m~t~amo~aM, ""{gag'' åhUOo
_mñQ>a H$mS>© B§Q>aZ°eZbÀ`m _mbH$sMo _mŠg©.
2. H$mS>©Mm dmna:
2.1. H$mS>©YmaH$mbm ho g_OVo H$s, H«o${S>Q> H$mS>©gmR>rÀ`m AOm©da ghr H$ê$Z Am{U/qH$dm H$mS>©gmR>r Am°ZbmB©Z AO© H$ê$Z Am{U/qH$dm
H$mS>©gmR>r B©-_obÛmao AO© H$ê$Z Am{U/qH$dm H$mS>©À`m _mJÀ`m ~mOyda ghr H$ê$Z Am{U/qH$dm H$mS>©Mm dmna H$aÊ`mZo, ~±Ho$Zo
ñdV:À`m EH$_od {ddoH$m{YH$mamV doimodoir gwYmaUm Ho$boë`m H$mS>©YmaH$ H$amamVrb {Z`_ d AQ>r H$mS>©YmaH$mZo ñdrH$maboë`m AmhoV
ho ñWm{nV hmoVo.
2.2. ho H$mS>© \$º$ ~±Ho$Zo nadmZJr {Xboë`m ^maVmVrb Am{U naXoemVrb nrE/nrE_B©/BboŠQ´>m°{ZH$ _mÜ`_o Am{U Q>{_©Zëg VgoM ~±Ho$Zo
doimodoir R>adyZ {Xboë`m no_|Q>À`m BVa nÕVr `m§gmR>rM ñdrH$mamh© Agob.
2.3. dñVy qH$dm godm IaoXr Ho$ë`mMo _yë`, amoI a¸$_, ewëH$, AmH$ma, ì`mO, H$a Am{U H$mS>©Mm dmna H$ê$Z Xo` Agbobr no_|Q²>g `mgmR>r
~±H$ H$mS>©YmaH$mÀ`mImË`mVrb n¡go dOm H$arb. H$mS>©ImË`mer/ImË`m§er g§~§{YV ImVo{ddaUmV gd© ì`dhma à{Vq~{~V hmoVrb.
Aem àH$maMr H$mS>©ImË`mMr {ddaUo H$mS>©YmaH$mbm àËòH$ _{hÝ`mbm ~±Ho$Zo R>adyZ {Xboë`m qH$dm H$mS>©YmaH$mZo {ZdS>boë`m Am{U
~±Ho$H$S>o Z_yX Ho$boë`m _mJmªZr nmR>{dbo OmB©b.
2.4. ì`dhma Ho$ë`mÀ`m VmaIonmgyZ gm_mÝ`V: 30 {Xdgm§À`m AmV ~±H$ H$mS>©YmaH$mÀ`m ImË`mVyZ dOm H$arb.
2.5. Oa H$mS>©YmaH$mÀ`m/H$m§À`m H«o${S>Q> H$mS>©Mm H$Yrhr Cn`moJ Ho$bm Jobm Zmhr Am{U Vo 150 {Xdgm§nojm Z dmnaVm am{hbo, Va
gwa{jVVoÀ`m H$maUmñVd ~±Ho$Ûmao H$mS>© VmËnwaË`m ñdê$nmV ãbm°H$ Ho$bo OmD$ eHo$b. Agm H$mS>©YmaH$ J«mhH$g§nH©$ H|$ÐmÀ`m _mÜ`_mVyZ
H$mS>© dmna H$aÊ`mÀ`m Ñï>rZo nwÝhm g{H«$` H$aÊ`mMr {dZ§Vr H$ê$ eHo$b.
2.6. gd© àH$maMm nÌì`dhma \$º$ àm`_ar H$mS>©YmaH$mbmM nmR>{dbm OmB©b.
2.7. Ooìhm ~±Ho$bm Ago dmQ>ob H$s {Xboë`m gyMZm Iè`mIwè`m ZmhrEV qH$dm Ë`m ñnï> ZmhrV qH$dm Ë`m§À`m{df`r e§H$m òD$ eH$Vo qH$dm
AÝ`Wm A`mo½` AmhoV Am{U Ë`m H$moUË`mhr H$maUmñVd A_bmV AmUë`m OmD$ eH$V ZmhrV, Voìhm ~°§H$ ñdV:À`m {ddoH$m{YH$mamV
Ë`m A_bmV Z AmUÊ`mMm {ZU©` KoD$ eH$Vo.
2.8. H$mS>©YmaH$mMm H$moUVmhr ì`dhma g\$b qH$dm nyU© Pmbm Zmhr Va Ë`mgmR>r ~±H$ Ë`mgmR>r O~m~Xma Am{U/qH$dm CÎmaXm`r Zgob.
2.9. àm`_ar H$mS>©YmaH$mMr Am{U A°S>-Am°Z H$mS>©YmaH$mMr EHy$U ~mH$s a¸$_, ewëH$, AmH$ma, ì`mO Am{U H$a `m§À`mgh nV_`m©Xonj o m
(H«o${S>Q> {b{_Q>) A{YH$ Zgm`bm hdr.
2.10. H$moUË`mhr dmñVyda àX{e©V H$aÊ`mV Ambobo H$mS>© à_moeZb gm{hË` qH$dm pìhOm/éno qg~m°b åhUOo Aer dm°a§Q>r Zmhr H$s, Ë`m
dmñVy_Üò gd© dñVy Am{U godm Ë`m dmñVy_Üò CnbãY AmhoV Am{U Ë`m H$mS>©À`m gmømZo IaoXr Ho$ë`m OmD$ eH$VmV.
2.11. H$mS>©À`m _mJrb ~mOydarb {g¾oMa n°Zobda H$mS>©YmaH$mMr ghr Agob, VaM Vo _mÝ` Ho$bo OmB©b. H$mS>© àmá hmoVmM H$mS>©YmaH$mZo
Ë`mÀ`m _mJrb ~mOyda VmËH$mi ghr Ho$br nm{hOo.
2.12. H$mS>©Mo ZyVZrH$aU Ho$bobo Zgob, Va H$mS>©À`m Xe©Zr ~mOyda E§~m°g H$aÊ`mV Amboë`m _wXV g§nÊ`mÀ`m _{hÝ`mVrb eodQ>À`m
VmaIoZ§Va H$mS>©YmaH$mZo Ë`mMm Cn`moJ H$ê$ Zò. H$mS>©YmaH$ H$mS>m©À`m ZyVZrH$aUmgmR>r Ë`mMr _wXV g§nÊ`mnydu 20 {Xdg AmYr
boIr {dZ§Vr H$ê$ eH$Vmo. ~±H$ ñdV:À`m {ddoH$m{YH$mamV ~±Ho$Z H$i{dboë`m {Z`_ d AQ>tda ZyVZrH$aU Ho$bobo H$mS>© XoD$ eHo$b.
2.13. øm H$mS>©Mm Cn`moJ \$º$ H$m`Xoera, àm_m{UH$, d¡`{º$H$ qH$dm H$m`m©b`rZ Cn`moJmgmR>r Ho$bm OmD$ eH$Vmo Am{U ømMm dmna
H$mS>©YmaH$mÀ`m ì`dgm`mV ì`mnmarÑîQ>çm emofU H$aÊ`mgmR>r nadmZJr Zmhr.
2.14. Ama~rAm`À`m {XZm§H$ 6 E{àb 2018 À`m n[anÌH$ H«$. S>r~rAma Z§. ~rnr ~rgr. 104/08.13.102/2017-18À`m AZwf§JmZo
^maVr` [aPìh© ~±Ho$Zo `m Jmoï>rgmR>r ~§Xr Ho$bobr Amho H$s, ~±Ho$Zo H$moUË`mhr àH$maÀ`m {H«$ßQ>mo/ìhÀ`w©b H$aÝgrO² (ìhrgrO²) _Üò
ì`dhma H$ê$ ZòV qH$dm H$moUmbmhr ìhrgrO²_Üò ì`dhma H$aÊ`mgmR>r qH$dm Vo nyU© H$aÊ`mgmR>r godm nwady ZòV qH$dm _XV H$ê$
Zò, Á`mV ìhrgrO²À`m IaoXr/{dH«$ser g§~§{YV ImË`mV n¡go nmR>dUo/àmá H$aUo `mMmhr g_mdoe Amho. H$mS>©YmaH$mbm hohr g_OVo
Am{U Vmo/Vr _mÝ` H$aVmo/Vo H$s, Ë`mZo/{VZo Aem àH$maMo ì`dhma Ho$bobo AmT>ibo, Va ~±H$ H$moUVrhr gyMZm Z XoVm
Ë`mMo/{VMo ImVo VmËH$mi ~§X H$aÊ`mMm A{YH$ma ñdV:H$S>o amIyZ R>do rV Amho.
2.15. H$mS>©YmaH$mZo H$moUË`mhr doir Ë`mMo/{VMo H$mS>© Ë`mÀ`m/{VÀ`mdVrZo dmnaÊ`mgmR>r BVa H$moUË`mhr ì`º$sbm XoD$ Zò. H$mS>©YmaH$
ì`dhma H$aVmZm EQ>rE_/nrE_B©/BboŠQ´>m°{ZH$ _mÜ`_m_Üò Vmo/Vr àË`j CnpñWV Agob ømMr ImVaO_m H$amdr.
3. {Z`_ d AQ>r bmJy H$aUo:
3.1. H$mS>©YmaH$ _mÝ` H$aVmo Am{U H$~yb H$aVmo H$s, H$mS>© Omar H$aUo Am{U Ë`mMm dmna H$aUo ho doimodoir bmJy Agboë`m [aPìh©
~±Ho$Mr, \o$_mMr {Z`_mdbr, \o$_mÀ`m A§VJ©V V`ma H$aÊ`mV Ambobo gd© {Z`_ Am{U {Z`_mdbr, doimodoir Omar H$aÊ`mV Amboë`m
A{YgyMZm/n[anÌHo$ Am{U BVa H$moUVohr g§~§{YV H$m`Xo `m§À`m AYrZ Agob. øm H$mS>©Mm Cn`moJ ^maVmV Am{U naXoemV Ho$bm
OmD$ eH$Vmo, nU naH$s` MbZmVrb a¸$_ H$mT>Ê`mg Zonmi Am{U/qH$dm ^yVmZ_Üò Ho$bm OmD$ eH$V Zmhr. {edm`, ho H$mS>©
^maV, Zonmi Am{U ^yVmZ_Üò nrE_B©_Üò naH$s` MbZmVrb no_|Q> H$aÊ`mgmR>r d¡Y ZmhrE, åhUOoM Zonmi qH$dm ^yVmZ_Üò H$mS>©
dmnaVmZm ì`dhmamMo MbZ ho Ë`m Xoem§Mo ñWm{ZH$ MbZ Agbo nm{hOo qH$dm ^maVr` én`m§_Üò Agbo nm{hOo. `m§Mo nmbZ Z
Ho$ë`mg \o$_m Am{U BVa g§~§{YV {Z`_mdbtÀ`m A§VJ©V H$aÊ`mV òUmè`m H$madmB©gmR>r H$mS>©YmaH$mbm O~m~Xma Yabo OmB©b.
3.2. H$moUË`mhr {Z`_ d AQ>tMr qH$dm H$moUË`mhr {Z`_ d {Z`_mdbtMm ^§J Ho$ë`mg qH$dm AZwnmbZ Z Ho$ë`mg H$mS>©YmaH$mbm ~±Ho$Ûmao
qH$dm Ama~rAm`Ûmao Am§Vaamï´>r` nmVirda ½bmo~b H«o${S>Q> H$mS>© YmaU H$aÊ`mg _ZmB© H$aÊ`mV òB©b.
3.3. naXoemV OmUmè`m H$mS>©YmaH$mH$Sy>Z H$mS>©Mm Cn`moJ, Ama~rAm`Zo doimodoir {ZYm©[aV Ho$boë`m naH$s` MbZmÀ`m nmÌVoÀ`m _`m©XoV
gd© àm_m{UH$ d¡`{º$H$ IMmªgmR>r, ñdV:À`m dmnamgmR>r Ho$bm OmD$ eH$Vmo, _mÌ naXoedmarÀ`m Xaå`mZ KoVbobo EHy$U MbZ Aem
nmÌVoÀ`m _`m©Xonojm A{YH$ Zgmdo. naXoemV Aem àH$mao IaoXr Ho$boë`m dñVy§À`m Am`mVrb doimodoir bmJy Agbobo gm_mZmÀ`m
dOZmMo {Z`_ Am{U H$ñQ>_ H$m`Xm, 1962/EpŠP_ nm°{bgrZwgma {Z`_ bmJy AgVrb.
3.4. H$mS>©YmaH$mMr BÀN>m Agë`mg Vmo/Vr \o$_m {Z`_mdbrZwgma A{YH¥$V {dVaH$mH$Sy>Z/nyU©V: H$m`©aV _ZrM|OaH$Sy>Z H$mS>©da nmÌVoÀ`m
_`m©Xon`ªV naH$s` MbZmVrb ZmoQ>m/Q´>ì° hbg© MoŠg H$mTy> eHo$b. Aem naH$s` MbZmVrb ZmoQ>m§Mr/Q´>°ìhbg© MoŠgMr nmÌVoZwgmaÀ`m
{dH«$sbm ApñVËdmVrb {Z`_mdbr bmJy Agob Am{U Vr bmJy Agboë`m _`m©XoÀ`m AYrZ Agob. naH$s` MbZmÀ`m A{YH¥$V
{dVaH$mH$Sy>Z H°$b|S>a dfm©V naH$s` MbZr ZmoQ>m§À`m/Q´>ì° hbg© MoŠgÀ`m ê$nmZo KoVboë`m naH$s` MbZmÀ`m g§~§YmV H$mS>©YmaH$ Ë`mMm
nmgnmoQ>© E§S>m°g© H$ê$Z KoD$ eH$Vmo.
3.5. H$moUË`mhr nÕVrZo naH$s` MbZmV Ho$boë`m Q´>o{S>§Jbm (BboŠQ´>m°{ZH$/B§Q>aZoQ> Q´>oqS>J nmoQ>©ëgÀ`m _mÜ`_mVyZ Ho$boë`mg{hV) naH$s`
MbZ ì`dñWmnZ H$m`Xm (\o$_m) 1999 A§VJ©X ~§Xr KmbÊ`mV Ambobr Amho. {edm`, Ama~rAm`Zo AZoH$ doim ho ñnï> Ho$bobo Amho
H$s, AmoìhagrO \$m°[aZ EŠgM|O Q´>oqS>JgmR>r Ho$bobm H$moUË`mhr ao{_Q>ÝggmR>r (BboŠQ´>m°{ZH$/B§Q>aZoQ> nmoQ>©ëgÀ`m _mÜ`_mVyZ qH$dm
H«o${S>Q>/S>o{~Q> H$mS>©Mm Cn`moJ H$ê$Z `m§gh) nadmZJr XoÊ`mV Ambobr Zmhr. Aem àH$maÀ`m AZ{YH¥$V ì`dhmam§gmR>r n¡go nmR>dy
qH$dm O_m H$ê$ ZòV qH$dm H«o${S>Q>/S>o{~Q> H$mS>©Mm Cn`moJ H$ê$ Zò Aem gmdYmZVoÀ`m gyMZm Ama~rAm`Zo OZVog {Xboë`m AmhoV.
Ë`mZwgma Aem AZ{YH¥$V ì`dhmam§gmR>r Vw_À`m H«o${S>Q>/S>o{~Q> H$mS>©da KmVbobr ~§Xr bjmV ¿`m Am{U \o$_m Am{U Ë`mA§VJ©V
Ho$boë`m {Z`_mdbrÀ`m {damoYmV ì`dhma Ho$ë`mg Am{U H$moUË`mhr {Z`_m§Mo C„§KZ PmboM Va Ë`mgmR>r {ejm hmoD$ eHo$b qH$dm
Ama~rAm` qH$dm A§_b~OmdUr g§MmbZmb` Aem ZmJ[aH$m§{déÕ H$madmB© H$ê$ eHo$b. J«mhH$mZo Oa `mAmYr åhQ>ë`mZwgma H$mhr
Aem àH$maMo qH$dm H$moUVohr ì`dhma Ho$boM qH$dm \o$_m H$m`ÚmMo qH$dm {Z`_mdbrMo qH$dm BVa A{YgyMZm§Mo qH$dm {Z`_m§Mo qH$dm
^maVmVrb H$m`Úm§Mo C„§KZ H$aUmar H$moUVrhr H¥$Vr Ho$br, Va Ë`mgmR>r \$º$ J«mhH$M O~m~Xma Agob.
3.6. gÜ`m ApñVËdmV Agboë`m {Z`_mdbrZwgma Á`m CÔoem§gmR>r naH$s` MbZ [a{bO H$aÊ`mgmR>r nadmZJr Zmhr, Ogo (H$)
{Z{fÕ/~§Xr KmVboë`m `mXrV Agbobr _°J{PÝg (I) nyëg, ñdrnñQ>oŠg, bm°Q>[aO², J±pãb¨J, BË`mXr (J) Á`m§À`mgmR>r naH$s`
MbZ [a{bO H$aÊ`mg nadmZJr Zmhr CËnmXZm§Mr/godm§Mr {dH«$s H$aUmè`m B§Q>aZoQ> gmB©Q²>g (K>) BVa H$moUË`mhr ~oH$m`Xoera qH$dm
g_mO{dKmVH$ H¥$Vr Aem CÔoem§gmR>r ao{_Q>Ýgog H$aÊ`mgmR>r H$mS>©Mm dmna Ho$bm OmD$ eH$V Zmhr. Aem àH$maÀ`m C„§KZmMr
_m{hVr nyU© Vn{ebmgh MbZ {Z`§ÌU {d^mJmbm XoÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>do rV Amho. Aem àH$mao C„§KZ Pmë`mg
H$mS>©YmaH$mÀ`m H$mS>© dmnaÊ`mMm A{YH$ma Ë`mZ§Va {ZpíMV H$aÊ`mV òB©b.
3.7. H$moUË`mhr n[apñWVrV H$mS>©YmaH$mZo Ë`mZo nmÌVoMr _`m©Xm Amobm§S>bobr Amho øm H$maUmñVd H$mS>© {~bmMo no_|Q>/Xo` a¸$_ âÊ`mg
{db§~ H$ê$ Zò. Aem H$maUm_wio H$mS>© {~bmMo/Xo` aH$_oMo no_|Q> Z Ho$ë`mg H$mS>©YmaH$mbm Ë`mMo H$mS>© YmaU H$aUo _mJo KoVbo
OmÊ`mMr OmoIr_ Amho.
3.8. Ama~rAm`Zo àñVwV Ho$boë`m Am{U doimodoir gwYm[aV Hoo$boë`m {d{Z_` {Z`§ÌU {Z`_mdbrMo AZwnmbZ Ho$bo Zmhr qH$dm AÝ`Wmhr Oa
H$mS>© aÔ H$aÊ`mV Ambo, Va ^maVmV {H$dm naXoemV H$mS>© dmnaÊ`mMm à`ËZ Ho$bm Joë`mg Am{U n[aUm_ñdê$nr H$mS>© {S>gAm°Za
Pmë`mg Ë`mgmR>r ~±H$ O~m~Xma AgUma Zmhr.
3.9. \o$_mMo qH$dm Ë`mV Ho$boë`m gwYmaUm§Mo Am{U Ë`mA§VJ©V àg¥V Ho$boë`m gd© {Z`_m§Mo Am{U {Z`_mdbtMo, A{YgyMZm§Mo, EŠgM|O
H§$Q´>mob _°Ý`wAbMo, àM{bV gm_mZmÀ`m dOZmÀ`m {Z`_m§Mo, H$ñQ>_ H$m`Xm, 1962 Mo Am{U bmJy Agboë`m EpŠP_ nm°{bgrMo
AZwnmbZ H$aÊ`mMr O~m~Xmar \$º$ H$mS>©YmaH$mMr Amho.
3.10. H$mS>©YmaH$mZo Oa øm {Z`_ d {Z`_mdbtMm ^§J H$ê$Z Oa H$mS>©Mm Xþén`moJ Ho$bm, Va Vmo/Vr Ë`m_wio Pmbobo ZwH$gmZ, hmZr,
ì`mO, ê$nm§VaU, BVa H$moUVmhr Am{W©H$ IM©, AmH$ma qH$dm ~±Ho$bm H$amdm bmJUmam Am{U/qH$dm gmogmdm bmJUmam IM© `mgmR>r
H$mS>©YmaH$M O~m~Xma Agob.
3.11. ZmoH$argmR>r qH$dm ñWbm§V[aV hmoÊ`mgmR>r naXoemV OmUmao {Zdmgr H$mS>©YmaH$ naH$s` MbZ H$mT>Ê`mgmR>r H$mS>©Mm Cn`moJ H$ê$
eH$Uma ZmhrV Am{U naXoemV OmÊ`mnydu Ë`m§Zr Xo` a¸$_ ^ê$Z H$mS>© I§{S>V Ho$boM nm{hOo.
4. _mb_Îmm

4.1. H$mS>© hr ~±Ho$Mr _mb_Îmm Amho Am{U {dZ§Vr Ho$ë`mg Vo naV Ho$boM nm{hOo. ho H$mS>© hñVm§VaUr` Zmhr.
4.2. H$mS>©Mr _wXV g§në`mZ§Va ~±H$ ñdV:À`m nyU© {ddoH$m{YH$mamV H$mS>© qH$dm {nZ qH$dm XmoÝhrhr, Ë`mM {Z`_ d AQ>tda qH$dm ~±Ho$bm
`mo½` dmQ>Vrb Aem BVa {Z`_ d AQ>tda ~XbyZ XoB©b. Ooìhm H$mS>©Mr _wXV g§nob Voìhm H$mS>©YmaH$mZo Ago H$mS>© _°¾o{Q>H$ ñQ´>rndê$Z
H$U©aofoV H$mnyZ Zï> Ho$bo nm{hOo. H$mS>©Mr _wXV g§nÊ`mnydu Oa 20 {Xdg AmYr ZyVZrH$aUmgmR>r {dZ§Vr Ho$br Jobr, H$mS>©ImË`mMr
pñWVr CÎm_ Agob Va ~±Ho$À`m EH$_od {ddoH$m{YH$mamV H$mS>©Mr _wXV g§nÊ`mnydu ~±H$ H$mS>©YmaH$mbm ZyVZrH$aU Ho$bobo H$mS>© nmR>drb
Am{U Ë`m{df`rMr AmJmD$ _m{hVr H$mS>©YmaH$mbm {Xbr OmB©b.
4.3. H$mS>©/H$mS>©²g H$mS>©YmaH$mZo aÔ Ho$ë`mg, H$mS>©YmaH$mZo H$mS>©darb gd© Xo` a¸$_ ^ê$Z H$mS>© aÔ Ho$ë`m{df`r ~±Ho$bm Am°ZbmB©Z qH$dm
J«mhH$g§nH©$ H|$Ðmbm H$m°b H$ê$Z _m{hVr {Xbr nm{hOo Am{U _°¾o{Q>H$ ñQ´>rndê$Z H$U©aofoV H$mS>© H$mnyZ Vo Zï> Ho$bo nm{hOo. A°S>-Am°Z
H$mS>©gwÕm `mM àH$mao Zï> Ho$br nm{hOoV.
4.4. `mAmYr C„oI Ho$boë`m VaVwXtÀ`m AYrZ amhÿZ, H$moUË`mhr V¥Vr` njmÀ`m hmVr H$mS>© nS>ë`mg qH$dm V¥Vr` njmbm {nZ
H$ië`m_wio H$mS>©Mm qH$dm {nZMm A`mo½`/b~mS>rZo/AZ{YH¥$V/Z¸$b H$ê$Z/MwH$sZo dmna Pmë`mg Ë`mgmR>r H$mS>©YmaH$ ~±Ho$bm
O~m~Xma YaUma Zmhr.
5. H$mS>©YmaH$mÀ`m O~m~Xmè`m
5.1. H$mS>©YmaH$mÀ`m g§nH$m©gmR>rÀ`m _m{hVrV, Á`mV gÜ`mÀ`m, H$m`m©b`mÀ`m qH$dm H$m`_ñdê$nr nÎ`mV, amhÊ`mÀ`m {R>H$mUmV,
H$m`m©b`mV qH$dm _mo~mB©b \$moZ H«$_m§H$ Am{U B©_ob_Üò H$moUVmhr ~Xb Pmë`mg H$mS>©YmaH$ Ë`m{df`r ~±Ho$bm boIr ñdê$nmV
H$i{dÊ`mMo _mÝ` H$aVmo/Vo. Aem àH$maMr H$moUVrhr boIr gyMZm àmá Z Pmë`mg ~±Ho$À`m Xáar Agboë`m nÌì`dhmamÀ`m nÎ`mda
_m{gH$ {ddaU/Uo nmR>{dbo/br OmB©b/OmVrb Am{U H$moUVohr ì`mO qH$dm {db§~ ewëH$ Xo` Pmë`mg Ë`mgmR>r H$mS>©YmaH$M nyU©V:
O~m~Xmma Agob.
5.2. H$mS>©YmaH$ H$mS>© gwa{jV OmJr R>odrb Am{U H$moUË`mhr n[apñWVrV Vo BVa ì`º$s¨Zm dmnaÊ`mg XoUma Zmhr.
5.3. H$mS>©YmaH$mbm nwT>rb Jmoï>r H$ië`mZ§Va Ë`mZo Ë`m VmËH$mi ~±Ho$bm H$i{dë`m nm{hOoV:-
(I) H$mS>© hadë`mg qH$dm Mmoarbm Joë`mg qH$dm Ë`mMr Z¸$b Ho$br Joë`mg qH$dm BVa H$moUË`mhr _mJm©~Ôb, Á`m_wio H$mS>©Mm
b~mS>rZo Cn`moJ Ho$bm OmD$ eHo$b.
(ii)H$mS>©YmaH$mÀ`m ImË`mV H$moUË`mhr AZ{YH¥$V ì`dhmamMr Zm|X Pmë`mg.
(iii) ~±Ho$Ûmao H$mS>©ImVo amIÊ`mVrb H$moUVrhr MyH$ qH$dm BVa A{Z`{_VVm.
5.4. H$mS>©YmaH$ ho _mÝ` H$aVmo H$s, Ë`mbm àËòH$ H°$b|S>a dfm©V, H$mS>©ImË`gmR>rMr nV_`m©Xm H$mhrhr Agbr Varhr doimodoir Omhra
Ho$ë`mZwgma amoI a¸$_ H$mT>Ê`mMr/dñVy qH$dm godm IaoXr H$aÊ`mMr/Am§Vaamï´>r` ì`dhma H$aÊ`mMr nadmZJr XoÊ`mV òB©b.
5.5. H$mS>©ImË`mV Oa nwaogo H«o${S>Q>/H°$e {b{_Q> CnbãY Zgob, Va H$mS>©Mm Cn`moJ H$ê$Z n¡go H$mT>Ê`mMm/IaoXr H$aÊ`mMm à`ËZ H$aUma
Zmhr Ago H$mS>©YmaH$ _mÝ` H$aVmo. H$mS>©ImË`mV nwaoer a¸$_ {e„H$ amIUo hr g§nyU©nUo H$mS>©YmaH$mMr O~m~Xmar Amho. Oa
H$mS>©ImË`mMm _`m©Xonj o m A{YH$ dmna Pmbm (AmoìhaS´>m°) Va Ë`mbm ImË`mVrb {e„H$ a¸$_ VmËH$mi nwaoem à_mUmV H$amdr bmJob
d Ë`mgmR>r ~±Ho$Zo doimodobr bmJy Ho$bobo `mo½` Vo AmH$ma d X§S>mË_H$ ì`mO âmdo bmJob. ho AmH$ma ~±Ho$Ûmao R>a{dbo OmVrb Am{U Vo
doimodoir Kmo{fV Ho$bo OmVrb.
5.6. H$mS>©YmaH$mMo H$mS>©ImVo Oa AmoìhaS´>m° Pmbo qH$dm S>oqb¹§$Q> Pmboo, Va H$mS>©YmaH$mbm H$moUVrhr nyd©gyMZm Z XoVm H$mS>©YmaH$mÀ`m ~±Ho$V
Agboë`m g§`wº$ qH$dm EH$Q>çmÀ`m ImË`mV {e„H$ Agboë`m aH$_oVyZ Aem àH$maMr a¸$_ diVr H$ê$Z KoÊ`mMm A{YH$ma ~±H$
ñdV:H$S>o amIyZ R>do rV Amho Am{U H$mS>©YmaH$ `mÛmao Vgo H$aÊ`mgmR>r ~±Ho$bm Img nadmZJr XoV Amho.
5.7. ~±Ho$Zo {dZ§Vr Ho$ë`mg H$mS>©YmaH$mZo Ë`mÀ`m H$mS>©ImË`mer g§~§{YV gd© qH$dm H$moUË`mhr ~m~VrVrb gd© _m{hVr, Zm|Xr qH$dm
à_mUnÌo nwa{dbr nm{hOoV.
5.8. ~±Ho$Mo H$_©Mmar VgoM Á`m ~±H$m§À`m EQ>rE_O²Zm nm{Q>©{gnoqQ>J EQ>rE_O² Ago g§~moYbo OmVo Ë`m§Mo H$_©Mmar, nrE_B©Mo H$_©Mmar
`m§À`mgh H$moUË`mhr ì`º$sH$S>o {nZ CKS> H$ê$ Zò qH$dm Vmo H$moUË`mhr n[apñWVrV Hw$R>ohr Aem àH$mao {bhÿZ R>ody Zò H$s Vmo
BVam§Zm ghO g_Obo qH$dm AÝ`Wm V¥Vr` njmÀ`m hmVr bmJob, _J Vmo Ë`m§Zr Vmo àm_m{UH$nUo {_i{dbobm Agmo dm
Aàm_m{UH$nUo.
5.9. H$mS>©YmaH$ _mÝ` H$aVmo H$s, ~±Ho$Zo AmVm {Xboë`m qH$dm `mZ§Va Á`m {Xë`m OmD$ eH$Vrb Aem H$moUË`mhr boIr ñQ>±qS>J BÝñQ´>ŠeÝg
qH$dm Ë`mZo {dZ§Vr Ho$ë`m_wio Am{U Ë`mÀ`m O~m~Xmarda ~±Ho$Zo Ë`mbm H$mS>©Mm dmna H$ê$Z ì`dhma H$aÊ`mMr gw{dYm nwa{dbobr
Amho.
5.10. H$mS>©YmaH$mZo {Xboë`m gyMZm§Zwgma ~±Ho$Zo Zoh_rÀ`m H$m`©nÕVrà_mUo gX²hoVyZo H$mhr H¥$Vr Ho$ë`mg Ë`m~Ôb H$mS>©YmaH$ ~±Ho$bm O~m~Xma

YaUma Zmhr. Aem àH$maÀ`m gyMZm§Mo nmbZ H$aVmZm, ~±H$ Aem H¥$Vr gdm}Îm_ à`ËZ H$ê$Z H$arb Am{U H$mS>©YmaH$mÀ`m
gyMZm§Zwgma VmËH$mi H¥$Vr H$aÊ`mg Oa {db§~ Pmbm qH$dm Ag_W©Vm Agbr qH$dm Ë`m§da H$mhrhr H¥$Vr H$aVm Ambr Zmhr, Va
~±Ho$bm H$moUË`mhr àH$mao O~m~Xma YaVm òUma Zmhr.
5.11. hm H$ama I§{S>V Pmbobm Amho qH$dm Zmhr ømMm {dMma Z H$aVm, Omar H$aÊ`mV Amboë`m àm`_ar Am{U A°S>-Am°Z H$mS>©g²da ~±Ho$Ûmao
XoÊ`mV Amboë`m gd© gw{dYm§gmR>r Am{U ì`dhmam§gmR>r d `m gw{dYm§da bmJy hmoUmè`m AmH$mam§gmR>r H$mS>©YmaH$ O~m~Xma Agob Am{U
Vmo H$mS>©er g§~§{YV gd© ì`dhmamÀ`m ~m~VrV ~±Ho$~amo~a àm_m{UH$ H¥$Vr H$arb. H$mS>©Ûmao {Xboë`m H$moUË`mhr gyMZm _mJo KoVm
òÊ`mOmo½`m ZgVrb. H$mS>©YmaH$mZo gd© n[apñWVt_Üò A°S>-Am°Z H$mS>©gH$Q> H$mS>©À`m dmnamgmR>r nyU© O~m~Xmar ñdrH$mabr nm{hOo,
_J Vr Ë`mbm _m{hVr AgVmZm dm ZgVmZm Ë`mda n{H«$`m Ho$bobr Agbr Am{U Am{U Ë`mZo {Xboë`m ñnï> qH$dm AÜ`möV
Am{YH$mamgh qH$dm A{YH$mam{edm` Agob Varhr. H$mS>©YmaH$ Ë`mZo H$mT>boë`m qH$dm hñVm§V[aV Ho$bë`m aH$_ogmR>r Ë`mÀ`m
H$mS>©ImË`mVyZ n¡go dOm H$aÊ`mMm qH$dm H$mS>©Mm dmna H$ê$Z àmá Pmboë`m Aem gyMZm§Mo ~±Ho$À`m ì`dhmam§À`m Zm|XrZwgma (aoH$m°S>©
Am°\$ Q´>±P°ŠeÝg) nmbZ H$aÊ`mMm A{YH$ma ~±Ho$bm XoV Amho.
6. H«o${S>Q> Am{U amoI a¸$_ H$mT>Ê`mMr _`m©Xm
6.1. ~±Ho$bm `mo½` dmQ>ob Ë`mZwgma H$mS>©YmaH$mbm nyd©gyMZm Z XoVm H$mS>©Mo H«o${S>Q> {b{_Q> (nV_`m©Xm) {ZpíMV H$aÊ`mMm/Ë`mV gwYmaUm
H$aÊ`mMm qH$dm Vo H$_r H$aÊ`mMm nyU© A{YH$ma ~±Ho$bm Amho, Oo AO©XmamZo Ë`mÀ`m d¡`{º$H$ òmoVm§Mr Ho$bobr KmofUm Am{U
H$mS>©YmaH$mMr IM© H$aÊ`mMr nÕV `m§da AYm[aV Agob, nU VodT>çmnwaVrM _`m©{XV Zgob Am{U nV_`m©XoVrb H$moUË`mhr
~Xbm§{df`r ~±H$ H$mS>©YmaH$mbm _m{hVr XoB©b. hr nV_`m©Xm H$mS>©ImË`mbm bmJy Agob Am{U H$mS>©YmaH$mbm XoÊ`mV Amboë`m gd©
àm`_ar H$mS>©²gbm Am{U A°S>-Am°Z H$mS>©²gbm bmJy Agob. H$mS>©YmaH$mbm Oa Ë`mMr nV_`m©Xm dmT>dyZ hdr Agob, Va Vmo ~±Ho$bm Vgo
{bhÿZ H$idyZ Am{U ~±Ho$bm Amdí`H$ Agë`mZwgma Ë`mMr Am{W©H$ pñWVr Xe©{dUmar H$mJXnÌo gmXa H$ê$Z H$ê$ eHo$b. ~±H$
ñdV:À`m EH$_od {ddoH$m{YH$mamV Am{U Aem àH$maÀ`m Zì`m H$mJXnÌm§À`m AmYmao H$Xm{MV H$mS>©YmaH$mÀ`m nV_`m©XoV dmT> H$arb.
6.2. H$mS>©YmaH$mZo H$mS>©gmR>r AO© H$aVmZm Oa Ë`mÀ`m/{VÀ`m H$mS>©da Am§Vaamï´>r` ì`dhma H$aÊ`mMm n`m©` {ZdS>bobm Agob, Va
Am§VaamîQ´>r` ì`dhmam§gmR>rMr nV_`m©Xm hr H$mS>©YmaH$mbm XoÊ`mV Amboë`m H$_mb _`m©XoEdT>rM Agob.
6.3. H$mS>©YmaH$mbm Ë`mÀ`m/{VÀ`m H«o${S>Q> H$mS>©darb Am§Vaamï´>r` ì`dhmam§gmR>rMr gw{dYm {ZpîH«$` H$am`Mr Agob qH$dm H$mS>©darb
Am§Vaamï´>r` ì`dhmam§gmR>rMr nV_`m©Xm dmT>dm`Mr/H$_r H$am`Mr Agob, Va Vmo/Vr Ë`mgmR>r ~±Ho$À`m J«mhH$g§nH©$ H|$Ðmer g§nH©$
gmYy eHo$b.
6.4. ~±H$ amoI a¸$_ H$mT>Ê`mgmR>r doJir _`m©Xm {ZpíMV H$arb, Or XoÊ`mV Amboë`m nV_`m©Xonojm H$_r Agob. \$m°À`w©Z H$mS>©YmaH$m§Mm
Mmby dfm©Mm IM© hm Ë`mÀ`m \$m°À`w©Z H$mS>©À`m Mmby dfm©À`m eodQ>À`m {~qbJ gm`H$bÀ`m 40% nojm A{YH$ Agob, Va Ë`mbm amoI
a¸$_ H$mT>Vm òUma Zmhr. df© `m eãXmMm AW© H°$b|S>a df© Agm Amho.
6.5. H$moUË`mhr n[apñWVrV H$mS>©YmaH$mZo Ë`mÀ`m nV_`m©XoÀ`m/amoI aH$_oÀ`m _`m©XonbrH$S>o ì`dhma H$ê$ ZòV. Á`m ì`dhmam§_Üò
nV_`m©Xm/amoI aH$_oMr _`m©Xm Amobm§S>bobr Agob, Ago gd© ì`dhma ZmH$maÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho.
6.6. H$mS>©YmaH$mZo Oa Ë`mMr nV_`m©Xm/amoI aH$_oMr _`m©Xm Amobm§S>br, Va Amobm§S>boë`m nV_`m©XoÀ`m/amoI aH$_oÀ`m _`m©XoÀ`m ~Xë`mV
VmËH$mi ~±Ho$H$S>o VodT>çm aH$_oMm âUm Ho$bm nm{hOo Am{U Ë`mZ§Va AmH$mam§À`m gyMrV doimodoir Kmo{fV Ho$ë`mZwgma ~±H$ Ë`mda
AmH$ma/ewëH$ AmH$marb.
6.7. `m _`m©Xm§À`m ì`{V[aº$, \$gdUwH$sMo àg§J Q>miÊ`mgmR>r ~±H$ Xa{Xder àËòH$ àH«$maÀ`m ì`dhmamgmR>r bmJy AgUmè`m Cn-_`m©Xm
BË`mXr bmJy H$ê$ eHo$b.
6.8. H$mS>©YmaH$ Ë`mÀ`m H$mS>©ImË`mV H$mhr H«o${S>Q> ~°bÝg AgbmM, Va Ë`mgmR>r H$moUË`mhr ì`mOmgmR>r qH$dm [adm°S>© nm°BªQ²>ggmR>r nmÌ
Zgob.
7. A{V[aº$ H$mS>©²g
7.1. ~±H$ ñdV:À`m EH$_od {ddoH$m{YH$mamV àm`_ar H$mS>©YmaH$mÀ`m Hw$Qw>§~mVrb gXñ`m§Zm, åhUOoM nVr/nËZr, ^md§S>o, _wbo Am{U
AmB©dS>rb `m§Zm A°S>-Am°Z H$mS>©²g XoÊ`mgmR>r nadmZJr XoD$ eHo$b. àm`_ar H$mS>©YmaH$, A°S>-Am°Z H$mS>©²gg{hV Ë`mÀ`m gd© H$mS>mªda
bmJy H$aÊ`mV AmH$mam§gmR>r O~m~Xma Agob.
7.2. ~±H$ ñdV:À`m EH$_od {ddoH$m{YH$mamV A°S>-Am°Z H$mS>© Omar H$aÊ`mgmR>r ewëH$ AmH$mê$ eHo$b. A°S>-Am°Z H$mS>©da gw{dYm nwT>o gwê$
R>odUo ho \$º$ àm`_ar H$mS>©YmaH$mÀ`m qH$dm H$mS>©ImË`mÀ`m H«o${S>Q> ñQ>oQ>gda Adb§~yZ Agob.
7.3. H$mS>©, _J Vo àm`_ar Agmo dm A°S>-Am°Z, Vo 18 dfmªnj o m H$_r d`mÀ`m H$moUË`mhr ì`º$sbm Omar H$aÊ`mV òUma Zmhr. A°S>-Am°Z
H$mS>© Omar H$aUo ho A°S>-Am°Z H$mS>©YmaH$mMo gd© Ho$dm`gr XñVEodO gmXa H$aÊ`mÀ`m AYrZ Agob.

7.4. JmoëS>, H$m°nm}aoQ>, {~{PZog, ßb°{Q>Z_ Am{U {g¾oMa `m§gma»`m àH$maMr H$mS>©²g ~±H$ ñdV:À`m EH$_od {ddoH$m{YH$mamV Omar H$aÊ`mMm
h¸$ ñdV:H$S>o amIyZ R>do rV Amho. àm`_ar H$mS>©YmaH$mbm Omar H$aÊ`mV Amboë`m H$mS>©²gÀ`m ì`{V[aº$Mr H$mS>©²g ~±Ho$À`m YmoaUmZw gma
A°S>-Am°Z H$mS>©YmaH$m§Zm Omar H$br OmD$ eH$VmV.
7.5. A°S>-Am°Z H$mS>©gmR>r {d{eï> _`m©Xm Agy eH$Vo, Or àm`_ar H$mS>©YmaH$mgmR>r qH$dm H$mS>©ImË`mgmR>r R>adyZ {Xboëm _`m©XoMr Cn-_`m©Xm
Agob Am{U Vr àm`_ar H$mS>©YmaH$mZo gwédmVrbm Á`m gyMZm {Xboë`m AgVr, Ë`m§Zwgma àËòH$ A°S>-Am°Z H$mS>©YmaH$mgmR>r dmQy>Z {Xbr
OmB©b. àm`_ar H$mS>©YmaH$ Ë`mZ§Va Á`m gyMZm XoB©b Ë`mZwgma, nU ~±Ho$À`m EH$_od {ddoH$m{YH$mamV øm _`m©Xm gwYmê$Z Ë`m OmñV
qH$dm H$_r Ho$ë`m OmD$ eH$VmV.
7.6. àm`_ar H$mS>©YmaH$mbm bmJy Agbobm [adm°S>© àmoJ«°_ {dMmamV Z KoVm, A°S>-Am°Z H$mS>©YmaH$mbm Omar H$aÊ`mV Amboë`m H$mS>©À`m
àH$mamZwgma OmoS>Ê`mV Amboë`m [adm°S>© àmoJ«°_Zwgma [adm°°S>© nm°BªQ²>g O_m hmoVrb. na§Vw \$º$ àm`_ar H$mS>©YmaH$mbmM [adm°S>© nm°BªQ²>g
[aS>r_ H$aÊ`mMm h¸$ Agob Am{U `m ~m~VrV H$mhr dmX {Z_m©U Pmë`mg Vmo ~±Ho$bm H$moUVrhr hmZr nmohmoMdUma Zmhr Ago _mÝ`
H$aVmo.
7.7. àm`_ar H$mS>©YmaH$mbm nyd©gyMZm XoD$Z XoÊ`mV qH$dm Omar H$aÊ`mV Amboë`m A°S>-Am°Z H$mS>©²gMo àH$ma qH$dm AQ>r ~XbÊ`mMm
A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho.
8. IaoXr:
8.1. H$mS>©YmaH$mZo, pìhOm/éno H$mS>©²g ñdrH$maUmè`m ^maVmVrb Am{U naXoemVrb nrE_B©O²_Üò/BboŠQ´>m{° ZH$ _mÜ`_mVyZ, `mn¡H$s Oo
Agob Ë`mgmR>r, Ho$boë`m ì`dhmam§da bmJy Agbobo AmH$ma âÊ`mgmR>r H$mS>©YmaH$ H$mS>©Mm Cn`moJ H$ê$ eHo$b. H$moUË`mhr
H$maUmgmR>r nrE_B©_Üò H$aÊ`mgmR>r, H$moUVrhr nyd©gyMZm Z XoVm, H$moUË`mhr doir H$mS>©Mm Cn`moJ H$aÊ`mg ZH$ma XoÊ`mMm A{YH$ma
~±H$ Am{U nrE_B©O² ñdV:H$S>o amIyZ R>odrV AmhoV. H$mS>© Am°Za H$aÊ`mgmR>r XoÊ`mV òUmè`m Aem H$moUË`mhr ZH$mamMr O~m~Xmar
~±H$ ñdrH$marV Zmhr.
8.2. H$moUVohr H$maU Z XoVm, H$moUVmhr ì`dhma _§Oya H$aÊ`mMm, {e\$mag H$aÊ`mMm qH$dm ZmH$maÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ
R>odrV Amho.
8.3. ì`dhma H$aVmZm H$mS>©YmaH$mZo MmO© ñbrn Jmoim Ho$brM nm{hOo. ~±H$ MmO© ñbrnMr Xþgar àV XoUma Zmhr. na§Vw, {VÀ`m
{ddoH$m{YH$mamV Am{U H$mS>©YmaH$mZo {dZ§Vr Ho$ë`mg, ~±H$ bmJy Agbobo AmH$ma AmH$mê$Z {VÀ`m àVr XoD$ eHo$b.
8.4. H$mS>©YmaH$mMr àm_m{UH$nUo Ho$bobr ghr Agbobr goëg ñbrn d Ë`mgmo~V Ë`mda {b{hbobm H$mS>© H«$_m§H$ hm H$mS>©YmaH$mgmR>r bmJy
Agboë`m O~m~XmarnwaVm ~±H$ Am{U H$mS>©YmaH$ `m§À`m_Üò g_n©H$ nwamdm Agob. H$mS>©YmaH$mZo d¡`{º$H$ ghr Ho$bobr H$moUVrhr goëg
ñbrn åhUOo AZ{YH¥$V ì`dhma g_Obm OmB©b Am{U Ë`mgmR>r H$mS>©YmaH$ O~m~Xma Agob.
8.5. H$mS>©YmaH$mÀ`m O~m~XmarV H$mS>©YmaH$mZo nrE_B©_Üò/BboŠQ´>m°{ZH$ _mÜ`_mVyZ H$mS>©Mm Cn`moJ H$ê$Z Ho$boë`m nadmZJr {Xboë`m
IMmªgmR>rÀ`m no_|Q>À`m, Á`mMr Zm|X MmO© ñbrn_Üò H$bobr Zgob, Ë`mÀ`m O~m~XmarMmhr g_mdoe Amho.
8.6. ho ñnï>nUo g_OyZ KoVbo nm{hOo H$s, H$mS>©Mr gw{dYm hr \$º$ H$mS>©YmaH$mbm dñVy Am{U godm IaoXr H$aÊ`mgmR>r {Xbobr gw{dYm
AmhoV Am{U ~±H$ Aem dñVy§À`m Am{U godm§À`m JwUdÎmo{df`r, à_mUm{df`r, _yë`m{df`r, {S>{bìhar{df`r qH$dm AÝ`Wmhr
H$moUË`mhr àH$maMr H$moUVrhr dm°a§Q>r XoV Zmhr qH$dm Ë`m§Mo à{V{Z{YËd H$arV Zmhr Am{U Ë`mg§~§YrMm H$moUVmhd dmX WoQ> nrE_B©Zo
gmoS>dbm nm{hOo. H$moUVmhr dmX ApñVËdmV Amho øm H$maUmñVd H$mS>©YmaH$mMr Ë`mÀ`m ~±Ho$À`m ~m~VrV Agboë`m O~m~XmarVyZ
_wº$Vm hmoUma Zmhr Am{U Agm dmX Ë`mÀ`m {ZH$mbmgmR>r àb§{~V Amho {H$§dm H$m` ho {dMmamV Z KoVm, H$mS>©YmaH$mZo Ë`mMr gd©
a¸$_ ~±Ho$bm àXmZ H$aÊ`mMr ImVaO_m H$amdr. na§Vw H$mS>©YmaH$mZo _MªQ>gmo~V Agboë`m dmXm{df`r, {R>H$mUmMo Zmd, ì`dhmamMr
VmarI Am{U doi `m§Mo Vnerb, Am{U ~±Ho$bm Ë`mMo AÝdofU H$aÊ`mg gmø^yV R>aVrb Ago BVa Vnerb XoD$Z ~±Ho$bm _m{hVr
Úmdr.
8.7. AÝ`m` Pmë`mMr ^mdZm Agboë`m H$mS>©YmaH$m§Zr {ddaUmV Xe©{dbobo bmJy Agbobo AmH$ma _mÝ` Zgë`m~ÔbÀ`m VH«$marg§~§Yr gyMZm
{_imë`mZ§Va Vr gmoS>{dÊ`mMm ~±H$ àm_m{UH$ Am{U amñV à`ËZ H$arb.Aem à`ËZm§Z§Varhr Oa ~±Ho$Zo ho {ZpíMV Ho$bo H$s,
Xe©{dbobo AmH$ma ~amo~a AmhoV, Va Vgo H$mS>©YmaH$mbm H$i{dÊ`mV òB©b.
8.8. {ddmXmñnX AmH$mam§À`m ~m~VrV ~±H$ ñdV:À`m EH$_od {ddoH$m{YH$mamV VmËnwaË`m ñdê$nmV Ago AmH$ma _mJo KoD$ eHo$b. Ë`mZ§Va
Ho$bobo AÝdofU nyU© Pmë`mZ§Va Oa Aem {ddmXmñnX AmH$mam§Mr O~m~Xmar H$mS>©YmaH$mMr Agob, Va Vmo AmH$ma Ë`mZ§VaÀ`m
{ddaUmV nwÝhm bmJy Ho$bm OmB©b Am{U Aem àH$maÀ`m ì`dhmamda bmJy hmoUma Agbobo ì`mO H$mS>©ImË`mÀ`m {~bmV g_m{dï> Ho$bo
OmVrb Am{U H$mS>©YmaH$ Vo âÊ`mg O~m~Xma Agob.
8.9. gd© ì`dhma, {deofV: XmJXm{JÝ`m§gmR>r, BboŠQ´>m°{ZH$ dñVy§gmR>r Am{U amoI a¸$_ Am{U ~±Ho$Zo {ZpíMV Ho$bobo _moR>r OmoIr_ Agboë`m
_MªQ> g§dJm©Vrb ì`dhmam§Zm ~±Ho$À`m {ddoH$m{YH$mamZwgma {ZdS>H$nUo _mÝ`Vm {Xbr OmB©b.
8.10. ho ñnï> H$aÊ`mV òVo H$s, âboë`m AmH$mam§_Üò H$mhr EQ>rEågÀ`m/nrE_B©O²À`m/BboŠQ´>m°{ZH$ _mÜ`_m§À`m ~m~VrV, IaoXrMr qH$dm
BVa gw{dYm§Mm bm^ KoVë`m~ÔbÀ`m AmH$mam§Mm g_mdoe Agy eH$Vmo. H$moUË`mhr nrE_B©Zo bmJy Ho$boë`m Am{U H$mS>©YmaH$mÀ`m
ImË`mVyZ dOm Ho$boë`m ì`dhmamgmR>rÀ`m aH$_ogmR>r ~±H$ H$moUVrhr O~m~Xmar KoV Zmhr.
8.11. H$mS>©YmaH$ ho _mÝ` H$aVmo H$s, ~±H$ {ZdS>H$nUo Ë`mbm _ob Am°S>©adê$Z qH$dm Q>o{b\$moZdê$Z Am°S>©a XoD$Z IaoX H$aÊ`mMr gw{dYm
CnbãY H$ê$Z XoÊ`mMo _mÝ` H$aVo. H$mS>©YmaH$mbm ømMr OmUrd Amho H$s, _ob Am°S>©a_wio qH$dm Q>o{b\$moZda {Xboë`m Am°S>©a_wio Oa
H$mhr AmH$ma bmdbo Jobo AgVrb (CXm. B§Q>aZoQ>), OoWo ghr H$aÊ`mgmR>r H$Xm{MV MmO© ñbrn qH$dm ìhmD$Ma CnbãY Zgob, Va
H$mS>©YmaH$ ho _mÝ` H$aVmo H$s, Aem àH$maÀ`m AmH$mamÀ`m A{YH¥$VVo{df`r qH$dm d¡YVo{df`r H$mhr dmX Pmë`mg, H$mS>©YmaH$ àW_
Ë`mÀ`m H$mS>darb òUo ~mH$s a¸$_ Agbobr a¸$_ ârb Am{U Ë`mZ§Va WoQ> g§~§{YV _MªQ> EñQ>°pãbe_|Q>gmo~V hm dmX {_Q>{dÊ`mMm
à`ËZ H$arb. `mgmR>r ~±H$ H$moUË`mhr Am{U H$emhr àH$mao O~m~Xma Zgob.
8.12. {edm`, nrE_B©/_MªQ> EñQ>°pãbe_|Q>_Üò H$moUË`mhr àH$maMo amoI aH$_oMo ì`dhma, åhUOoM a¸$_ H$mT>Uo qH$dm R>odUo, H$aÊ`mg
nadmZJr {Xbr OmUma Zmhr.
8.13. Ago KS>ë`mg, MwH$s_wio qH$dm _MªS>mB©P [aQ>Z_© wio Oa _MªQ>bm Agm nyU© Ho$bobm ì`dhma aÔ H$aÊ`mMr BÀN>m Agë`mg AmYrMr
{dH«$sMr nmdVr _MªQ>Ûmao aÔ Ho$br JobrM nm{hOo Am{U aÔ Ho$boë`m nmdVrMr àV Ë`mZo Ë`mÀ`mOdi R>odbrM nm{hOo. H$moUË`mhr
_MªQ>/{S>ìhmB©g qH$dm H$å`w{ZHo$eZ qbH$_Yrb MwH$s_wio naV Úmd`mMr a¸$_ qH$dm g_m`moOZ hmVm§Zr Ho$br nm{hOo Am{U `mo½` Vr
nS>VmiUr Ho$ë`mZ§Va Am{U bmJy Agbobo pìhOm/éno {Z`_ Am{U {d{Z`_ `m§À`mZwgma H$mS>©ImË`mV Vr a¸$_ O_m Ho$br OmB©b.
H$mS>©YmaH$ ho _mÝ` H$aVmo H$s, `m H$mbmdYrV àmá Pmbobo H$moUVohr S>o{~Q²>g. \$º$ H$mS>©ImË`mVrb CnbãY nV_`m©XoÀ`m AmYmao,
ømMm {dMma H$a H$aVm _mÝ` Ho$bo OmVrb. H$mS>©YmaH$ Aem àH$maÀ`m no_|Q>g§~§YrÀ`m gyMZm A_mÝ` Z H$aÊ`mMrhr h_r ~±Ho$bm
XoVmo.
9. amoI aH$_oMm AJ«r_/H°$e A°S>ìhmÝg
9.1. H$moQ>H$ _qhÐm ~±H$ H$mS>©YmaH$mbm Ë`m§À`m H«o${S>Q> H$mS>©²gda nwT>rb _mÜ`_mV§yZ amoI aH$_oMm AJ«r_ àmá H$aÊ`mMr gw{dYm CnbãY
H$ê$X XoV Amho:
(I) EQ>rE_ Am{U emIm§_YyZ amoI aH$_oMm AJ«r_ - H$mS>©YmaH$ H$moQ>H$ _qhÐm ~±Ho$À`m {ZdS>H$ emIm§_Yrb Q>oba
H$mD§$Q>g©H$Sy>Z/Am°Q>mo_oQ>oS> Q>bo a _{eÝg (EQ>rE_O²) _YyZ amoI aH$_oMm AJ«r_ KoD$ eH$Vmo. Aem {R>H$mUm§Mr/EQ>rE_O²Mr
`mXrw.kotak.com da CnbãY Amho.
(ii) Am°ZbmB©Z \§$S²>g Q´>mÝg\$aÀ`m _mÜ`_mVyZ amoI aH$_oMm AJ«r_ - H$mS>©YmaH$ Ë`mÀ`m H$mS>©ImË`mVyZ ~±H$ImË`mV n¡go hñVm§V[aV H$ê$Z
amoI aH$_oMm AJ«r_ KoÊ`mgmR>r H«o${S>Q> H$mS>©Mm Cn`moJ H$ê$ eH$Vmo.
(iii) S´>mâQ>À`m _mÜ`_mVyZ amoI aH$_oMm AJ«r_ - H$mS>©YmaH$ ~±H$o H$S>o Zm|Xdboë`m Ë`mÀ`m nÌì`dhmamÀ`m nÎ`mda S>rS>r nmR>{dÊ`mMr
{dZ§Vr H$ê$Z amoI aH$_oMm AJ«r_ KoÊ`mgmR>r Ë`mÀ`m H$mS>©Mm Cn`moJ H$ê$ eH$Vmo.
9.2. gd©gmYmaU {Z`_:
(I) øm gw{dYoÀ`m A§VJ©V H$moUË`mhr EH$m doir KoVbobm amoI aH$_oMm EHy$U AJ«r_ ~±Ho$Zo àËòH$ H$mS>©YmaH$mgmR>r {ZYm©[aV Ho$boë`m
CnbãY nV_`m©Xonojm qH$dm X¡Z§{XZ _`m©Xonojm/ àËòH$ _mJm©gmR>r R>adyZ {Xboë`m _`m©Xonojm, `mn¡H$s Oo H$_r Agob, Ë`mnojm
A{YH$ Agm`bm hdm.
(ii) H«o${S>Q> ImË`mMr amoI aH$_oMr _`m©Xm hr bm^ KoVboë`m amoI aH$_oÀ`m AJ«r_mÀ`m à_mUmV ãbm°H$ Ho$br OmB©b Am{U `m H$amamV
{Xboë`m Anm°e©Z bm°{OH$Zwgma naV\o$S> Ho$ë`mZ§Va Vo [a{bO Ho$bo OmB©b.
(iii) EH$m ì`dhmamV Omo OmñVrVOmñV amoI aH$_oMo AJ«r_ KoVbm OmD$ eH$Vmo, Vmo ~±Ho$Ûmao R>amdrH$ H$mbmdYrZ§Va {ZYm©[aV Ho$bm OmB©b
qH$dm R>adyZ {Xbm OmB©b. H$mS>©YmaH$mbm nyd©gyMZm Z XoVm ~±H$ øm _`m©Xm§_Üò ~Xb H$aÊ`mMo A{YH$ma amIyZ R>do rV Amho.
(iv) AmH$mam§À`m gyMrZwgma ì`dhmamdarb ewëH$ àËòH$ amoI aH$_oÀ`m AJ«r_mÀ`m ì`dhmamda bmJy Ho$bo OmB©b Am{U H$mS>©YmaH$mbm _m{gH$
H$mS>©ImVo {ddaUmV {~qbJ Ho$bo OmB©b. Ë`mì`{V[aº$, amoI aH$_oÀ`m gd© AJ«r_m§dahr bmJy Agboë`m Xam§Zwgma ì`mO bmdbo OmB©b.
H$mS>©À`m doJdoJù`m ìho[aE§Q²>ggmR>r bmJy Agboë`m ì`mOXam§À`m Vn{ebm§gmR>r H¥$n`m www.kotak.com da CnbãY Agboë`m
AmH$mam§Mr gyMr (eoS>çyb Am°\$ MmO}g) nhm. Aem ì`dhmamÀ`m VmaIonmgyZ ~±Ho$Ûmao no_|Q> àmá hmoB©n`ªV S>obr AmD$Q>ñQ>±qS>J ~°bÝg
_oWS>Zo ì`mO AmH$mabo OmB©b. ho ì`mO H$mS>©ImË`mVyZ dOm Ho$bo OmVrb Am{U Vo _m{gH$ ImVo{ddaUmV {XgyZ òVrb. da C„oI
Ho$bobo ì`dhmamgmR>rMo ewëH$ Am{U ì`mO ho naV Z {_iÊ`mOmoJo AgVmV.
(v) \$m°À`w©Z Am{U 811# S´>r_ {S>\$a§Q> H«o${S>Q> H$mS>©YmaH$ gd© amoI aH$_oÀ`m AJ«r_mgmR>r ì`mO_wº$ H$mbmdYrMm bm^ KoD$ eH$Vrb. hm
ì`mO_wº$ H$mbmdYr amoI aH$_oMm AJ«r_ KoVë`mnmgyZ gwê$ hmoD$Z Ë`m {d{eï> {~qbJ gm`H$bÀ`m no_|Q>À`m Xo` VmaIobm g§nVmo. øm

H$mbmdYrVrb gd© amoI aH$_oMo AJ«r_ ho Zoh_rMr {H$aH$moi IaoXr Amho Ago g_Obo OmB©b Am{U Ë`m§À`mgmR>rMo no_|Q> ~±Ho$bm Oa
Ë`m {d{eï> {~qbJ gm`H$bÀ`m Xo` VmaIog qH$dm Ë`mnydu àmá Pmbo, Va Ë`m§da ì`mO AmH$mabo OmUma Zmhr. \$m°À`w©Z
H$mS>©YmaH$mbm Oa Ë`mMo H$mS>© no_|Q>À`m Xo` VmaIoÀ`m AmYr aÔ H$am`Mo Agob, Va amoI aH$_oMm AJ«r_ KoVë`mnmgyZ ~±H$o Ûmao amoI
aH$_oÀ`m AJ«r_mda ì`mO AmH$mabo OmB©b Am{U Vo VmËH$mi H$mS>©ImË`mVyZ dOm H$aÊ`mV òB©b. H$mS>©YmaH$mZo Zm|X ¿`mdr H$s, ho
d¡{eîQ>ç \$º$ \$m°À`w©Z Am{U 811# S´>r_ {S>\$a§Q> H«o${S>Q> H$mS>©gmR>rM CnbãX Amho Am{U ~±Ho$À`m BVa H$moUË`mhr H$mS>©gmR>r Zmhr.
(vi) øm gw{dYm§Mm bm^ KoÊ`mgmR>r, ~±Ho$Zo doimodoir {ZYm©[aV Ho$bobr H$mJXnÌo ghr H$ê$Z XoÊ`mMo H$mS>©YmaH$ ho _mÝ` H$aVmo
(vii) amoI aH$_ogmR>rÀ`m AJ«r_mMr {dZ§Vr ñdrH$maÊ`mMm qH$dm ZmH$maÊ`mMm A{YH$ma ~±Ho$À`m EH$_od {ddoH$m{YamYrZ Agob. H$mS>©YmaH$mZo
{dZ§Vr Ho$boë`m g§nyU© amoI a¸$_ AJ«r_mgmR>r H«o${S>Q> AàoOb H$aÊ`mMm h¸$ ~°§H$ ñdV:H$S>o amIyZ R>do rV Amho.
9.3. {deof {Z`_:
9.3.1. EQ>rE_ Am{U emIoVyZ amoI aH$_oMm AJ«r_
(I) hr gw{dYm àm`_ar H$mS>©YmaH$mgmR>r VgoM A°S>-Am°Z H$mS>©YmaH$m§gmR>r CnbãY Amho.
(ii) H$mT>bobr a¸$_ Á`m {Xder H$mT>br Ë`mM {Xder H$mS>©YmaH$mÀ`m ImË`mVyZ dOm Ho$br OmB©b.
(iii) AmoiI nQ>{dë`mZ§Va Am{U bmJy Agbobr Amdí`H$ H$mJXnÌo Jmoim Ho$ë`mZ§Va H$mS>©YmaH$mbm Ë`mÀ`m H$mS>©Mm Cn`moJ R>amdrH$
{R>H$mUm§darb {ZdS>H$ emIm§_Yrb Q>oba H$mD§$Q>adarb n¡go H$mT>Ê`mMr ñbrn ^ê$Z amoI a¸$_ H$mT>Ê`mgmR>r H$aVm òB©b.
(iv) OoWo H$mS>© ñdrH$mabo OmVo Aem EQ>rE_O²_Üò H$mS>©Mm Cn`moJ H$ê$Z amoI a¸$_ àmá H$aÊ`mMr gw{dYm CnbãY Amho. Aem àH$maMm
Cn`moJ g{H«$` H$aÊ`mgmR>r H$mS>©YmaH$mbm ghm A§H$s EQ>rE_ ng©Zb Am`S>|{Q>{\$Ho$eZ Z§~a (EQ>rE_ {nZ) ~±Ho$Ûmao XoÊ`mV òB©b
Am{U H$mS>©YmaH$mÀ`m gmo`rgmR>r hm {nZ, H$mS>©YmaH$mbm H$mS>©Mr {S>{bìhar XoÊ`mnydu, H$mS>©YmaH$mÀ`m O~m~Xmarda, H$mS>©da EZH$moS>
Ho$bm OmB©b. Oa H$mS>©er g§~§{YV {nZ {Xbm Jobm Zgob, Va Vmo H$mS>©YmaH$mbm nmoñQ>mZo qH$dm Hw$[aAaZo, H$mS>©YmaH$mÀ`m nyU©
O~m~Xmarda nmR>dbm OmB©b. H$mS>©YmaH$ ho _mÝ` H$aVmo H$s:
(H$) H$mS>©YmaH$mZo H$moUË`mhr ì`º$sH$S>o EQ>rE_Mm {nZ CKS> H$ê$ Zò Am{U Vmo H$moUË`mhr ì`º$sbm emoYyZ H$mT>Vm òD$ Zò åhUyZ
eŠ` hmoB©b Vr gd© H$miOr ¿`mdr;
(I) H$mS>YmaH$mZo Ë`mbm _mhrV AgVmZm qH$dm ZgVmZmhr EQ>rE_Mm {nZ dmnê$Z Ho$boë`m gd© ì`dhmam§gmR>r H$mS>©YmaH$ ~±Ho$bm
CÎmaXm`r Agob.
(J) H$moUË`mhr hadboë`m qH$dm Mmoar Pmboë`m H$mS>©À`m ~Xë`mV ~±H$ \$º$ {VÀ`m nyU© {ddoH$m{YH$mamV Ë`mEodOr ZdrZ EQ>rE_
{nZgh ZdrZ H$mS>© XoB©b.
(K) H$moUË`mhr V¥Vr` njmÀmo H$mS>© hmVr nS>ë`m_wio qH$dm H$moUË`mhr V¥Vr` njmbm EQ>rE_ {nZ _mhrV Pmë`m_wio Oa H$mS>©Mm
b~mS>rZo/AZ{YH¥$VnUo Cn`moJ H$aÊ`mV Ambm, Va `mAmYrÀ`m VaVwXtÀ`m AYrZ amhÿZ, H$mS>©YmaH$ Ë`mgmR>r ~±Ho$bm
H$moUË`mhr àH$mao O~m~Xma YaUma Zmhr.
(v) EQ>rE_ ZrQ> H$m_ H$arV Zgë`m_wbo qH$dm EQ>rE__Üò nwaoer a¸$_ {e„H$ Zgë`mZo qH$dm EQ>rE_Mr gmB©Q> ~§X Pmë`m_wio qH$dm AÝ`Wm
H$emhr_wio Oa H$mS>©YmaH$ amoI a¸$_ H$mTy> eH$bm Zmhr, Va Ë`mÀ`m H$moUË`mhr n[aUm_mgmR>r H$mS>©YmaH$ ~±Ho$bm H$moUË`mhr àH$mao
O~m~Xmma YaUma Zmhr.
(vi) gh^mJr hmoUmè`m EQ>rE_O²/Q>{_©Zëgda H$mS>©À`m dmnamgmR>r pìhOmÀ`m/éno eoAS>© no_|Q> ZoQ>dH©$_Üò gh^mJr Agboë`m g^mgX ~±H$m§er
Ho$boë`m H$moUË`mhr ì`dhmam§gmR>r, ~±H$ H$moUVrhr O~m~Xmar ñdrH$maUma Zmhr, Á`mV dñVy Am{U/qH$dm godm§Mm nwadR>m `m§Mm g_mdoe
Amho, nU Vo VodT>çmnwaVoM _`m©{XV Zmhr. Aem àH$maÀ`m EQ>rE_O²da CnbãY H$ê$Z XoÊ`mV Ambobo ì`dhma ~°§Ho$À`m ñdV:À`m ZoQ>dH©$da
CnbãY H$ê$Z XoÊ`mV Amboë`m ì`dhmam§nojm doJio Agy eH$VmV. ~±H$ \$º$ BVa ZoQ>dH©$À`m _mbH$sÀ`m EQ>rE_O²da CnbãY H$ê$Z XoD$Z
{ZpíMV H$aÊ`mV Amboë`m {H$_mZ ì`dhmam§ZmM gnmoQ>© H$arb. H$mS>©YmaH$mbm H$moUVrhr gyMZm Z XoVm, {ZpíMV Ho$boë`m ì`dhmam§_Üò
~Xb H$aÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho.
9.3.2. Am°ZbmB©Z \§$S²>g Q´>mÝg\$aÀ`m _mÜ`_mVyZ amoI aH$_oMo AJ«r_:

(I) hr gw{dYm \$º$ àm`_ar H$mS>©YmaH$m§gmR>rM CnbãY Amho.
(ii) hñVm§V[aV Ho$bobr a¸$_ hr a¸$_ hñVm§V[aV H$aÊ`mgmR>r Ho$boë`m {dZ§VrÀ`m VmaIog H$mS>©YmaH$mÀ`m H$mS>©ImË`mVyZ dOm Ho$br OmB©b.
`mM VmaIonmgyZ gd© ewëH$ Am{U AmH$ma _moObo/AmH$mabo OmVrb.
(iii) ~±Ho$V Agboë`m H$mS>©YmaH$mÀ`m ñdV:À`m ImË`mVM \$º$ n¡go hñVm§V[aV H$aÊ`mV òVrb.

(iv) BboŠQ´>m°{ZH$ _ogoOÀ`m {S>{bìhargmR>r Pmbobm Cera qH$dm Ë`mMr {S>{bìhar Z hmoUo qH$dm H$moUVrhr MyH$, dJiUo qH$dm nmR>dÊ`mVrb
qH$dm {S>{bìharVrb MyH$ qH$dm _ogoOMm AW© bmdÊ`mV Pmbobr MyH$ Aem ~±Ho$À`m {Z`§ÌUmV Zgboë``m ~m~r `m§gmR>r ~±H$
O~m~Xma Zgob. no_|Q> g§~§YrÀ`m gd© gyMZm H$mS>©YmaH$mZo H$miOrnyd©H$ VnmgyZ nhmì`mV.
(v) `m {Z`_ d AQ>tMo dmMZ, EZB©E\$Q>rgmR>rÀ`m {dZ§VrgmR>rÀ`m ànÌmV Z_yX Ho$boë`m {Z`_ d AQ>r, ~±Ho$À`m ZoQ> ~±qH$JgmR>rMr ImVr
Am{U godm `mgmR>rMo {Z`_ d AQ>r Am{U {Z`_ (éëg) gmo~V H$amd`mMo Amho.
(vi) H$mS>©YmaH$mZo {Xboë`m gyMZm§Zwgm a¸$_ hñVm§V[aV H$aÊ`mMm H$moUVmhr ì`dhma H$moUË`mhr H$maUmñVd \$bÐÿn qH$dm nyU© hmoD$ eH$V
Zmhr Am{U Aem àH$mao ì`dhma \$bÐÿn Z hmoUo Am{U/qH$dm nyU© Z hmoUo `mgmR>r ~±Ho$bm H$moUË`mhr àH$mao O~m~Xma YaVm òUma
Zmhr.
9.3.3. S´>mâQ>À`m _mÜ`_mVyZ amoI aH$_oMm AJ«r_:
(i) hr gw{dYm \$º$ àm`_ar H$mS>©YmaH$m§gmR>r CnbãY Amho, Oo ~±Ho$H$S>o Zm|Xdboë`m Ë`m§À`m nÎ`mda {S>_m§S> S´>mâQ>Mr (""S>rS>r'')
{S>{bìhar H$aÊ`mgmR>r {dZ§Vr XÿaÜdZrÀ`m _mÜ`_mVyZ qH$dm `y{ZH$ Q>o{b\$moZ-ng©Zb Am`S>|{Q>{\$Ho$eZ Z§~a (""Q>r-{nZ'') qH$d Z_yX
Ho$bobo BVa Vnerb `m§À`m _mÜ`_mVyZ H$ê$ eH$VmV. Oa Aer {dZ§Vr XÿaÜdZrÀ`m _mÜ`_mVyZ H$aÊ`mV Ambobr Agob, Va
H$mS>©YmaH$mZo Zm|X ¿`mdr H$s, H$mS>©YmaH$m~amo~aMo g§nyU© g§^mfU Üd{Z_w{ÐV H$aÊ`mMm Am{U H$mS>©YmaH$mZoM Aer {dZ§Vr Ho$bobr
Amho ho {gÕ H$aÊ`mgmR>r Amdí`H$Vm ^mgë`mg Aem g§^mfUmMm Cn`moJ H$aÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>do rV Amho. gd©
{dZ§Ë`m§da ~±Ho$Ûmao à{H«$`m Ho$br OmB©b Am{U Á`m {dZ§Ë`m ~±Ho$Mo nmÌVoMo {ZH$f nyU© H$aVmV, Ë`mM nyU© Ho$ë`m OmVrb.
(ii) ~±H$ gdm}Îm_ à`ËZ H$ê$Z S´>mâQ> V`ma H$arb Am{U Vmo H$mS>Y© maH$mÀ`m nÌì`dhmamÀ`m nÎ`mda _ob/Hw$[aAa H$arb. S´>mâQ> XoÊ`mg
{db§~ Pmbm qH$dm Vmo {S>{bìha qH$dm àmá Pmbm Zmhr, Va Ë`mgmR>r ~±H$ O~m~Xma Zgob.
(iii) àmá Ho$bobm amoI aH$_oMm AJ«r_ hm S>rS>rÀ`m {S>{bìhargmR>r {dZ§Vr Ho$ë`mÀ`m VmaIog H$mS>©YmaH$mÀ`m H$mS>©ImË`mVyZ dOm H$aÊ`mV
òB©b. `mM VmaIonmgyZ gd© ewëH$ Am{U AmH$ma _moObo/AmH$mabo OmVrb.
(iv) àËòH$ {S>{bìhargmR>r ì`dhmamÀ`m ewëH$mì`{V[aº$ OmñVrMo ewëH$ Am{U S>rS>rÀ`m aH$_oda ì`mO AH$mabo OmD$ eH$Vo.
(v) `m godm ~±Ho$Ûmao Hw$[aAaÀ`m (""{S>{bìhar ng©Z'') nwa{dë`m OmVrb. AmoiI nQ>{dÊ`mgmR>r H$mS>©YmaH$mZo {S>{bìhar ng©ZMr AmoiI
H$miOrnyd©H$ VnmgyZ nm{hbr nm{hOo. ~±Ho$Zo Z_yX Ho$ë`mZwgma H$mS>©YmaH$mZo {S>{bìhar ng©Zbm A{YH¥$VVo~ÔbÀ`m XñVEodOmMr àV
XmIdbr qH$dm nwadbr nm{hOo. H$mS>©YmaH$mÀ`m H«o${S>Q> H$mS>©À`m _mJrb ~mOyg Agbobr ghr H$mS>©YmaH$mMrM Amho qH$dm H$m` ho
nS>VmiyZ nmhUo {S>{bìhar ng©Zda ~§YZH$maH$ Zmhr.
(vi) \$º$ àm`_ar H$mS>©YmaH$mÀ`m ZmdmZoM S>rS>r {Xbm OmB©b. S>rS>rÀ`m {S>{bìhargmR>r {dZ§Vr H$aVmZm H$mS>©YmaH$mbm Á`m ~±H$ImË`mda
S>rS>r hdm Agob, Ë`m ImË`mMo Vnerb Úmdo bmJVrb.
(vii) H$moUË`mhr H$maUmñVd S>rS>r àmá Pmbm Zgob qH$dm C{eam àmá Pmbm Agob, Va H$mS>©YmaH$mbm Omo VmoQ>m, hmZr, Xm{`Ëdo `m§Mm
gm_Zm H$amdm bmJob, Ë`mgmR>r ~±H$ O~m~Xma Zgob.
(viii) Oa S´>mâQ> hadbm qH$dm Mmoarbm Jobm, Va ~±Ho$bm VmËH$mi H$i{dbo Jobo nm{hOo. ~±H$ H$Xm{MV nwÝhm S´>mâQ> XoB©b qH$dm S´>mâQ>Mr
_wÔb a¸$_ \$º$ H$mS>©ImË`mV n¡go O_m H$ê$Z naV H$arb, _mÌ `mgmR>r H$mS>©YmaH$mH$Sy>Z ghr Ho$boë`m/âboë`m B§S>opåZQ>rgh {dZ§Vr
àmá Pmbr nm{hOo.
(ix) `mV H$mhrhr åhQ>bobo Agbo, Var H$mS>©YmaH$mZo \$moZdê$Z qH$dm Am°ZbmB©Z {Xboë`m gyMZm§Mr A{YH¥$VVm VnmgyZ nmhÊ`mgmR>r qH$dm
gyMZm XoUmar Am{U H$mS>©YmaH$mMm {nZ/nmgdS>/ © `wOa Am`S>r dmnaUmar qH$dm BVa AmoiI nQ>{dUmar ì`º$s åhUOo H$mS>Y© maH$M
Amho, ømMr A{YH¥$VVm nQ>{dÊ`mgmR>r ~±H$ O~m~Xma Zgob. ~±Ho$bm `mo½` dmQ>ob Ë`mZwgma ~±H$ H$mS>©YmaH$mH$Sy>Z {_imboë`m gyMZm§Mr
Zm|X R>odrb.
(x) H$mS>©YmaH$mbm H$moUË`mhr H$maUmñVd S>rS>r àmá Pmbm Zmhr, Á`mV BVa H$maUm§~amo~aM, {S>{bìharÀ`m doir H$mS>©YmaH$ Ë`mÀ`m
Zm|XUrH¥$V nÎ`mda CnpñWV Zgë`mMmhr g_mdoe Amho, Va Ë`mgmR>r ~±Ho$bm O~m~Xma YaVm òUma Zmhr.
(xi) S>rS>r ^maVm~mhoa {S>{bìha Ho$bm OmUma Zmhr Am{U ~±H$ Á`m ^m¡Jmo{bH$ _`m©Xm bmJy H$arb Ë`m§À`m AYrZ Agob.
10. hßË`m§Mr gw{dYm
hßË`m§Mr gw{dYm åhUOo B©E_Am`Mr gw{dYm Am{U H«o${S>Q> H$mS>©da d¡`{º$H$ H$Om©Mr gw{dYm.
10.1. B©E_Am`Mr (_m{gH$ hßË`m§Mr) gw{dYm
(I) àmW{_H$ H$mS>©YmaH$mZo ₹25,00/- qH$dm Ë`mnojm A{YH$ aH$_oMr {H$aH$moi IaoXr Ho$ë`mg, Aem IaoXrMo ê$nm§Va Ë`mÀ`m _mo~mB©b
~±Ho$À`m _mÜ`_mVyZ, ZoQ> ~±qH$JÀ`m _mÜ`_mVyZ qH$dm J«mhH$g§nH©$ H|$Ðmbm H$m°b H$ê$Z, Aem {H$aH$moi ì`dhmamnmgyZ 45 {Xdgm§À`m

AmV 3/6/9/12/24/36 _m{gH$ hßË`m§_Üò H$ê$ eH$Vmo.
(ii) {H$aH$moi ì`dhmamgmR>r B©E_Am`Mr gw{dYm KoÊ`mgmR>r A§{V_ _mÝ`Vm ho ~±Ho$À`m {ddoH$m{YH$mamYrZ Amho.
(iii) H$mS>©YmaH$mZo Oa EH$mnojm A{YH$ IaoXrMo ì`dhma Ho$bo AgVrb, Va Vmo/Vr àËòH$ ì`dhmamMo ê$nm§Va B©E_Am`_Üò H$ê$ eHo$b
(_mÌ Ë`mgmR>r àËòH$ ì`dhmamMr a¸$_ ₹2,500 nojm A{YH$ Agbr nm{hOo) qH$dm ê$nm§Va H$aVmZm ~±Ho$À`m Ë`m-Ë`m doioÀ`m
YmoaUmZwgma nmÌ ì`dhmam§Mo ê$nm§Va H$ê$ eHo$b.
(iv) ~±H$ ñdV:À`m {ddoH$m{YH$mamV H$mS>©YmaH$m§À`m {ZdS>H$ g§MmgmR>r EHy$U ₹2500* qH$dm Ë`mnojm A{YH$ én`m§À`m IaoXrMo ê$nm§Va
3/6/9/12/36/48 _{hÝ`m§À`m _m{gH$ hßË`m§_Üò H$aÊ`mMr gw{dYm CnbãY H$ê$ eHo$b*.
(v) _m{gH$ hßË`m§gmR>rÀ`m gd© {dZ§Ë`m (Á`mV A°S> Am°Z H$mS>©da Ho$boë`m ì`dhmam§Mmhr g_mdoe Amho) øm àm`_ar H$mS>©YmaH$mZoM Ho$ë`m
nm{hOoV. _m{gH$ hßË`m§Mo ê$nm§Va H$aÊ`mÀ`m {dZ§Ë`m J«mhH$g§nH©$ H|$Ð, ZoQ> ~±qH$J, _mo~mB©b ~±qH$J qH$dm ~±Ho$Zo _mÝ`Vm {Xboë `m
BVa A{YH¥$V M°ZobÀ`m _mÜ`_mVyZ Ho$ë`m OmD$ eH$VmV.
(vi) {H$aH$moi IaoXrMo ê$nm§Va _m{gH$ hßË`m§_Üò H$aÊ`mMr {dZ§Vr H$aÊ`mÀ`m doigo H$mS>©YmaH$mMm H$mS>© ~°bÝg Oa [aìhm°pëìh¨J Agob,
Va, _m{gH$ hßË`m§_Üò àË`j ê$nm§Va hmoB©n`ªV Ë`mbm Ë`mÀ`m [aìhm°pëìh¨J ~°bÝgda H«o${S>Q> H$mS>©bm bmJy Agbobo AmH$ma AmH$mabo
OmVrb. H$mS>©À`m {d{dY ìho[aE§Q²>gda bmJy Agboë`m ì`mOXamÀ`m Vn{ebm§gmR>r H¥$n`m www.kotak.com da CnbãY Agbobo
eoS>çyb Am°\$ MmO}g nhm.
(vii) {H$aH$moi ì`dhmam§Mo ê$nm§Va Ho$ë`mÀ`m VmaIonmgyZ _m{gH$ hßË`m§Mo doimnÌH$ gwê$ hmoB©b Am{U Vo _m{gH$ háo nyU© hmoÊ`mÀ`m
H$mbmdYjn`ªV Mmby amhrb. n{hë`m _{hÝ`mMm _m{gH$ hám, ì`dhmamMo ê$nm§Va _m{gH$ hßË`mV Pmë`mZ§VaÀ`m H$mS>I © mË`mÀ`m
{ddaUmV à{Vq~{~V hmoB©b.
(viii) H$mS>©YmaH$ n{hë`m _m{gH$ hßË`mÀ`m Xo` VmaIoÀ`m AmYr _m{gH$ hám aÔ H$aÊ`mgmR>r boIr {dZ§Vr H$ê$ eHo$b qH$dm ~±Ho$À`m
J«mhH$g§nH©$ H|$Ðmbm H$m°b H$ê$ eHo$b. {dZ§Vr àmá Pmë`mZ§Va _m{gH$ hßË`mMr _wÔb a¸$_ nwÝhm EH$Xm H$mS>©YmaH$mÀ`m [aQ>ob
~°bÝg_Üò di{dÊ`mV òVo Am{U H$mS>©YmaH$ S>oqb¹§$Q> hmoD$ Zò åhUyZ Ë`mZo E_ES>rMo ({H$_mZ Xo` a¸$_) no_|Q> H$aÊ`mMr
Amdí`H$Vm AgVo.
10.2. H«o${S>Q> H$mS>©À`m gw{dYoda d¡`{º$H$ H$O© (nrEbgrgr gw{dYm)
(i) àmo\$mB©b, H«o${S>Q> {~ho{dAa Am{U ~±Ho$Zo R>adë`mZwgma BVa {ZH$fm§Zwgma ~±Ho$À`m EH$_od {ddoH$m{YH$mamV nrEbgrgr gw{dYm
H$mS>©YmaH$mbm CnbãY H$ê$Z {Xbr OmD$ eH$Vo.
(ii) H$Om©Mr a¸$_ H$mS>©YmaH$mÀ`m ~±Ho$V Agboë`m/BVa ~±H$m§_Yrb ImË`mV EZB©E\$Q>r/AmÈ_nrEgÀ`m _mÜ`_mVyZ hñVm§V[aV Ho$br
OmB©b.
(iii) H$mS>©YmaH$ EH$m doiobm \$º$ EH$M H$O© KoD$ eH$Vmo/Vo Am{U Vo CnbãY nV_`m©XoÀ`m 75%À`m AmV Agbo nm{hOo. Ago H$O©
~±Ho$Zo R>adboë`m H$mbmdYrgmR>r CnbãY H$ê$Z {Xbo OmB©b. H$Om©darb ì`mOmMm Xa ì`dhmamdarb ewëH$mMr a¸$_ Am{U H$Om©Mo
_m{gH$ háo âÊ`mMm EHy$U H$mbmdYr Am{U no_|Q>{df`rMo BVa Vnerb ho ~±Ho$Zo ñdV:À`m {ddoH$m{YH$mamV doimodoir R>adë`mZwgma
H$mS>©YmaH$mZwgma doJdoJio AgVrb Am{U H$Om©Mo {dVaU H$aÊ`mnydu Vo H$mS>©YmaH$mbm H$i{dÊ`mV òVrb.
(iv) ~±H$ ñdV:À`m {ddoH$m{YH$mamZwgma {dÚ_mZ H«o${S>Q> H$mS>© {b{_Q>nojm OmñVrMr H$Om©Mr a¸$_hr XoD$ eH$Vo.
(v) H$mS>©YmaH$ ho H$~yb H$aVmo H$s, H$Om©da bmJy Agbobo ì`mO ho nrEbgrgr gw{dYoÀ`m A§VJ©V CnbãY {d{eï> H$Om©Zgw ma Agob.
H$Om©À`m _m{gH$ hßË`mMr a¸$_ d Ë`mgmo~V H$Om©Mo BVa Vnerb (ì`mOXa, ewëH$, BË`mXtgh) ~±Ho$Ûmao H$mS>©YmaH$mbm H$i{dbo
OmVrb.
(vi) H$mS>©YmaH$ ho _mÝ` H$aVmo Am{U h_r XoVmo H$s, H$Om©À`m aH$_oMm Cn`moJ OwJmamgmR>r, ^m§S>db ~mOmamV Jw§VdUyH$ H$aÊ`mgmR>r qH$dm
H$mù`m n¡emMo ê$nm§Va nm§T>è`m n¡emV H$aÊ`mgmR>r Am{U/qH$dm g_mO{dKmVH$ hoVygmR>r Ho$bm OmUma Zmhr.
10.3. hßË`mÀ`m gw{dYogmR>r gd©gmYmaU {Z`_ d AQ>r
(i) hßË`mMr gw{dYm ~±Ho$Zo doimodoir R>adyZ {Xboë`m ì`dhma/à{H«$`m ewëH$mÀ`m AYrZ Agob. ì`dhma/à{H«$`m ewëH$ H$mS>©YmaH$mÀ`m
H«o${S>Q> H$mS>©ImË`mVyZ dOm Ho$br OmB©b Am{U Vo _m{gH$ {ddaUmV {XgyZ òUmè`m {H$_mZ Xo` aH$_oMm ^mJ Agob.
(ii) godmH$a, OrEgQ>r, bmJy Agboë`m XamZo H$moUVohr/gd© bmJy Agbobo H$a (bmJy Agbobm CnH$a Am{U A{Y^ma) ho ì`mO/Am{W©H$
AmH$mamMo KQ>H$ `m§da, à{H«$`m ewëH$mda, _wXVnyd© naV\o$S>rÀ`m ewëH$mda (Agë`mg) Am{U BVa H$moUË`mhr {~b Ho$boë`m Am{W©H$
AmH$mam§da/ewëH$mda doimodoir bmJy Ho$bo OmB©b.
(iii) H$mS>©YmaH$mZo EH$Xm hßË`mMm n`m©` {ZdS>ë`mZ§Va hßË`mÀ`m gw{dYoV ~Xb/gwYmaUm H$aÊ`mMr H$moUVrhr {dZ§V _mÝ` Ho $bm OmUma

Zmhr.
(iv) hßË`mÀ`m gw{dYoÀ`m H$mbmdYrV H$mS>©YmaH$mbm `mo½` Vr _m{hVr XoD$Z H$Om©Mm H$mbmdYr Am{U ì`mOXa `m§_Üò ~Xb H$aÊ`mMm
A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho.
(v) _m{gH$ hßË`mMr JUZm (_wÔb a¸$_+ì`mOmMm AmH$ma, Agë`mg) H$mbmdYr åhUyZ Ho$br OmVo. _m{gH$ H$mS>©ImË`mÀ`m {daUmV
à{Vq~{~V hmoUmar _m{gH$ hßË`mMr ~±Ho$Zo Ho$bobr JUZm A§{V_ AgVo. H$moUË`mhr n[apñWVrV H$mS>©YmaH$mbm _m{gH$ hßË`mÀ`m
aH$_oÀ`m JUZobm AmìhmZ XoVm òUma Zmhr/àíZ {dMmaVm òUma Zmhr.
(vi) hßË`mMr gw{dYm KoV AgVmZm H«o${S>Q> H$mS>©darb nV_`m©Xm hr KoVboë`m H$Om©À`m aH$_oÀ`m à_mUmV ãbm°H$ H$aÊ`mV òB©b/Or
H$mS>©YmaH$mÀ`m {dZ§Vrda à{H«$`m Ho$ë`mZ§Va _m{gH$ hßË`m§_Üò ê$nm§V[aV hmoVo. Ooìhm Ho$ìhm Ë`mZ§VaÀ`m _{hÝ`mV hßË`mMr a¸$_
{~b H$ê$Z âUm Ho$br OmB©b, Voìhm nV_`m©Xm [a{bO Ho$br OmB©b.
(vii) _m{gH$ hßË`mÀ`m gw{dY|VJ©V 100% à{H«$`m ewëH$ Am{U _m{gH$ hßË`mMr a¸$_, H$mS>©ImË`mV {XgyZ òUmè`m {H$_mZ aH$_oV
g_m{dï> H$aÊ`mV òB©b.
(viii) {H$_mZ Xo` a¸$_ âbr Zmhr qH$dm Vr H$_r âbr, Va Ë`mgmR>r Zoh_rMo {db§~ ewëH$ âmdo bmJob Am{U hßË`mÀ`m gw{dY|VJ©V
âUm Z Ho$boë`m {~b Ho$boë`m _m{gH$ hßË`mda bmJy Agbobm ì`mOXa bmJy hmoB©b. H$mS>©À`m {d{dY ìho[aE§Q²>gda bmJy Agboë`m
ì`mOXam§À`m Vn{ebm§gmR>r H¥$n`m w.kotak.com da CnbãY Agbobo eoS>çyb Am°\$ MmO}g nhm.
(ix) Ooìhm H$mS>© S>oqb¹§$Q> ~Zob, Voìhm hßË`m§Mr gw{dYm aÔ/I§{S>V H$aÊ`mV òB©b qH$dm hám AmH$mabm OmB©b Voìhm ãbm°H$ Ho$bm OmB©b.
òUo ~mH$s Agbobr _wÔb a¸$_ H$mS>©YmaH$mÀ`m [aQ>ob ~°bÝg_Üò naV nmR>dbr OmB©b Am{U âUm Z Ho$boë`m {~b Ho$boë`m _wÔb
aH$_oda Am{U {~b Ho$boë`m âUm Z Ho$boë`m _m{gH$ hßË`m§da ì`mO AmH$mabo OmB©b.
(x) _m{gH$ hßË`m§Mm bm^ KoÊ`mgmR>r ê$nm§V[aV Ho$bobr a¸$_ qH$dm nrEbgrgr gw{dY|VJ©V KoVbobo ì`mO `m§da H$moUVohr [adm°S>© nm°BªQ² >g
{_iUma ZmhrV.
(xi) hßË`m§Mr gw{dYm KoVë`mZ§Va Oa _yi ì`dhmamda H$mhr [adm°S>© nm°BªQ²>g O_m Pmbobo AgboM Va Vo _mJo KoVbo OmVrb
(xii) Ë`mZ§Va, hßË`m§À`m gw{dY|VJ©V H$Om©À`m EHy$U aH$_oMm âUm Ho$ë`m_wio Aer hßË`m§Mr gw{dYm AmnmoAmn ~§X hmoUma Zmhr. ~mH$s
Agboë`m aH$_oda _wXVnyd© naV\o$S>rgmR>r 4% XamZo ì`mO AmH$mabo OmB©b. _wXVnyd© naV\o$S>rgmR>rMo AmH$ma ñdV:À`m
{ddoH$m{YH$mamV _mJo KoÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho. eodQ>Mr gm`H$bMr VmarI Am{U _wXVnyd© naV\o$S>rMm
{Xdg `m§_Yrb H$mbmdYr_Üò O_m Pboë`m ì`mOmMr a¸$_ Ë`m à_mUmV H$mS>©YmaH$mbm {~b Ho$br OmB©b.
(xiii) H$moUË`mhr doir H$moUVrhr nyd©gyMZm Z XoVm øm {Z`_ d AQ>r§_Üò â KmbÊ`mMr, ~Xb H$aÊ`mMr qH$dm gwYmaUm H$aÊ`mMm qH$dm
hr EHy$UM hßË`m§Mr gw{dYm aÔ H$aÊ`mMm Am{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho.
(xiv) háo AmH$maÊ`mnyduM Oa H$mS>© ~§X H$aÊ`mV Ambo, Va hßË`m§À`m gw{dYo§VJ©V KoVbobr ~mH$s a¸$ H«o${S>Q> H$mS>©ImË`mVyZ EH$ÌM dOm
Ho$br OmB©b.
(xv) H$moUË`mhr hßË`m§À`m no_|Q²>g Ë`m§À`m g§~§{YV Xo` VmaIog âÊ`mg {db§~ Pmë`mg Zoh_rÀ`m H«o${S>Q> H$mS>© {db§~ ewëH$ Am{U Z
âboë`m hßË`mda ì`mO bmJy hmoB©b. `mÛmao Ago ñnï> H$aÊ`mV òVo H$s, H$mS>©YmaH$mZo Ë`mÀ`m H$mS>©darb òUo a¸$_ âbr Zmhr qH$dm
no_|Q> C{eam Ho$bo, Va Á`mà_mUo H$mS>©da AmH$ma bmJy Ho$bo OmVmV, Ë`mà_mUoM ì`mO Am{U bmJy Agbobo gd© AmH$ma gd© AmH$mam§da
bmJy H$aÊ`mV òVrb, Á`mV Ë`m _{hÝ`mV Xo` Agboë`m hßË`m§À`m gw{dY|VJ©VÀ`m _m{gH$ hßË`mMmhr g_mdoe Amho, nU Vo
VodT>çmnwaVoM _`m©{XV ZmhrV. `mAmYr Oo åhQ>bo Jobo Amho, Vo, hßË`m§Mr gw{dYm I§{S>V H$ê$Z òUo ~mH$s Agbobr g§nUy © a¸$_
VmËH$mi âÊ`mMr _mJUr H$aÊ`mÀ`m ~±Ho$À`m A{YH$mamg ~mYm Z AmUVm åhQ>bo Jobo Amho.
(xvi) hßË`m§À`m gw{dY|VJ©V H$mS>©ImË`mV _m{gH$ hßË`mnojm Ho$bobo H$moUVohr OmñVrMo no_|Q> ho hßË`m§À`m gw{dYogmR>r Ho$bobo no_o§Q> g_Obo
OmUma Zmhr Am{U OmñVrMr a¸$_ H$mS>©YmaH$ H$amam_Yrb H$b_ 15.2 (v) Zwgma g_m`mo{OV H$aÊ`mV òB©b.
11. {e„H$ a¸$_ hñVm§V[aV H$aÊ`mMr gw{dYm
11.1. {e„H$ a¸$_ hñVmV[aV H$aÊ`mMr gw{dYm (""~rQ>r \°${g{bQ>r'') àm`_ar H$mS>©YmaH$mZo {ZdS>boë`m n`m©`mZwgma, H$moQ>H$ _qhÐm ~±Ho$Zo
XoD$ Ho$boë`m CnbãY `moOZoZgw ma à_moeZb ì`mOXa XoD$ H$aVo. `m ~m~VrV A°S> Am°Z H$mS>©YmaH$mH$S>rb H$moUVrhr {dZ§Vr _mÝ` Ho$br
OmUma Zmhr.
11.2. ~rQ>r \°${g{bQ>r \$º$ BVa H«o${S>Q> H$mS>©ImË`mVyZ hñVm§V[aV H$aÊ`mV Amboë`m òUo ~mH$s Agboë`m {e„H$ aH$_odaM KoVbr OmD$
eH$Vo. øm gw{dYoMm bm^ Xþgè`m H$moQ>H$ _qhÐm ~±H$ H«o${S>Q> H$mS>©darb {e„H$ a¸$_ hñVm§V[aV H$aÊ`mgmR>r KoVbm OmD$ eH$V
Zmhr.

11.3. {e„H$ a¸$_ hñVm§V[aV H$aÊ`mMr gw{dYm ~±Ho$À`m EH$_od {ddoH$m{YH$mamYrZ Amho. {e„H$ a¸$_ hñVmV[aV H$aÊ`mMr gw{dYm ~±Ho$Zo
R>a{dë`mZwgma 90 {Xdgm§À`m H$mbmdYrgmR>r qH$dm _m{gH$ hßË`mÀ`m AmYmao KoVbr OmD$ eH$Vo.
11.4. ~±Ho$À`m {dÚ_mZ H$mS>©YmaH$m§gmR>r {e„H$ a¸$_ hñVm§V[aV H$aÊ`mMr A§{V_ _mÝ`Vm hr {dZ§Vr àmßV Pmë`mÀ`m doir H$mS>©À`m
H$m_{JarÀ`m AYrZ Agob.
11.5. `2,500 nojm H$_r Am{U nV_`m©XoÀ`m 75% nojm OmñV aH$_ogmR>r {e„H$ a¸$_ hñVm§VaUmda à{H«$`m Ho$br OmUma Zmhr.
11.6. {e„H$ a¸$_ hñVm§VaUmÀ`m Am°\$aA§VJ©V H$mS>©darb nV_`m©Xm, Or a¸$_ hñVm§V[aV Ho$bobr Amho, VodT>çmnwaVr ãbm°H$ Ho$br OmB©b.
11.7. à_moeZÀ`m H$mbmdYr_Üò {~qbJ gm`H$bgmR>r Xo` Agboë`m EHy$U aH$_onojm {Xbobr H$moUVrhr OmñVrMr a¸$_ hr òUo ~mH$s
Agboë`m {e„H$ aH$_oÀ`m hñVm§VaUmgmR>r g_m`mo{OV Ho$br OmB©b Am{U Ë`m à_mUmV nV_`m©Xm [a{bO Ho$br OmB©b.
11.8. BVa ~±H$m§À`m H«o${S>Q> H$mS>©ImË`m_Üò EZB©E\$Q>r/AmÈ_nrEgÀ`m _mÜ`_mVyZ ~±H$ {ZYr hñVm§V[aV H$arb Am{U Vmon`ªV
H$mS>©YmaH$mZo Ë`mÀ`m BVa H«o${S>Q> H$mS>©ImË`m§_Üò no_|Q> H$arV am{hbo nm{hOo.
11.9. H$mS>©YmaH$mÀ`m BVa H«o${S>Q> H$mS>©ImË`m_YyZ H$moUË`mhr H$maUmñVd dOm Ho$boë`m godmAmH$mamgmR>rÀ`m qH$dm {db§~ewëH$mÀ`m aH$_ogmR>r
~±Ho$bm O~m~Xma YaVm òUma Zmhr.
11.10. H$mS>©YmaH$mÀ`m BVa H«o${S>Q> H$mS>©ImË`mVyZ hñVm§V[aV H$aÊ`mV Amboë`m {e„H$ a¸$_oda bmJy AgUmao H$moUVohr [adm°S>© nm°BªQ²>g
{_iUma ZmhrV.
11.11. hñVm§V[aV Ho$boë`m {e„H$ aH$_oda ~±Ho$Zo {ZYm©[aV Ho$boë`m XamZo H$mS>©YmaH$mbm ì`mO AmH$mabo OmB©b. hñVm§V[aV Ho$boë`m {e„H$
aH$_odarb gÜ`mMm ì`mOXa 90 {Xdgm§À`m H$mbmdYrgmR>r (""à_moeZb {naoS>'') Xa_hm 0% Amho.
11.12. ~rQ>r gw{dYogmR>rMm à_moeZ H$mbmdYr hm BVa H$mS>© XoUmè`m§À`m Zmdo Ho$boë`m EZB©E\$Q>rÀ`m/AmÈ_nrEgÀ`m VmaIog qH$dm
H$mS>©ImË`mbm a¸$_ AmH$maë`mÀ`m VmaIog (`mn¡H$s Or bdH$a Agob Vr) gwê$ hmoB©b.
11.13. H$mS>©YmaH$mZo Oa {~qbJ gm`H$bgmR>r Xo` Agboë`m EHy$U aH$_oMo no_|Q> à_moeZ H$mbmdYr_Üò Ho$bo, Va H$mS>©YmaH$mÀ`m
H$mS>©ImË`mbm ì`mO AmH$mabo OmUma Zmhr.
11.14. H$mS>©YmaH$ H$amam_Üò C„oI Ho$ë`mZwgma à_moeZb H$mbmdYrZ§Va Oa H$moUVrhr {e„H$ a¸$_ nwT>o ZoÊ`mV Ambr (H°$ar \$m°adS>©) Va
Ë`mdarb ì`mOmMr JUZm H$aÊ`mgmR>r S>obr ~°bÝg _oWS>Mm Cn`moJ Ho$bm OmB©b.
11.15. ~rQ>r gw{dYodarb ì`mOXamV gwYmaUm H$aÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho.
11.16. à_moeZÀ`m H$mbmdYrV hñVm§V[aV a¸$_ hr Xo` Agboë`m EHy$U aH$_oMm qH$dm {H$_mZ Xo` aH$_oMm ^mJ Zgob. na§Vw hñVm§V[aV
H$amd`mMr {e„H$ a¸$_ à_moeZÀ`m H$mbmdYrV hñVm§V[aV H$amd`mMr a¸$_ H$mS>©YmaH$mÀ`m _m{gH$ H$mS>©ImË`mÀ`m {ddaUmV EHy$U
òUo a¸$_ (~rQ>r, B©E_Am` Am{U H$O© `m§gh) `m erf©H$m§VJ©V XmIdÊ`mV òB©b.
11.17. àËòH$ doir {e„H$ a¸$_ hñVm§V[aV H$aVmZm EH$XmM (dZ-Q>mB©_) à{H«$`mewëH$ AmH$mabo OmB©b. gÜ`m àËòH$ `10,000/- qH$dm
Ë`mÀ`m H$mhr A§er aH$_oda `349/- à{H«$`mewëH$ AmH$mabo OmB©b. ho à{H«$`mewëH$ d Ë`mda bmJy Agbobm godmH$a, OrEgQ>r,
doimodoir bmJy Agbobo H$moUVohr/gd© bmJy Agbobo H$a _m{gH$ H$mS>©ImË`mÀ`m {ddaUmV {~b Ho$bo OmVrb.
11.18. ~rQ>r gw{dYogmR>rMm à_moeZ H$mbmdYr hm BVa H$mS>© XoUmè`m§À`m Zmdo Ho$boë`m EZB©E\$Q>rÀ`m/AmÈ_nrEgÀ`m VmaIog qH$dm
H$mS>©ImË`mbm a¸$_ AmH$maë`mÀ`m VmaIog (`mn¡H$s Or bdH$a Agob Vr) gwê$ hmoB©b.
11.19. Á`m H«o${S>Q> H$mS>©Mo ñQ>oQ>g AmoìhaS>çy Amho, Á`mV nV_`m©Xm Amobm§S>br Jobr Agob, Va {e„H$ a¸$_ hñVm§V[aV H$aÊ`mg nadmZJr
{Xbr OmUma Zmhr.
11.20. ~±H$ ñdV:À`m {ddoH$m{YH$mamV H$moUVohr H$maU Z XoVm H$mS>©YmaH$mMr {e„H$ a¸$_ hñVm§VUmMr {dZ§Vr ZmH$mê$ eHo$b.
11.21. {e„H$ a¸$_ hñVm§V[aV H$aÊ`mÀ`m {dZ§Vrbm EH$Xm _mÝ`Vm {Xë`mZ§Va Am{U Ë`mda à{H«$`m Ho$ë`mZ§Va Vr aÔ H$aVm òUma Zmhr.
11.22. H$mS>©YmaH$ doJdoJù`m H$mS>©darb a¸$_ hñVm§V[aV H$aÊ`mgmR>r {dZ§Vr H$ê$ eH$Vmo (_mÌ Ë`mgmR>r hr gd© H$mS>©²g BVa H$moQ>H$ _qhÐm
~±Ho$Mr Agbr nm{hOoV). H$mS>©YmaH$mZo Aem àH$maÀ`m gd© hñVm§Vam§Mr {dZ§Vr EH$mM doir Ho$br nm{hOo (ømMm AW© Agm Amho
H$s, EH$mnojm A{YH$m H$mS>mªdaMr a¸$_ EH$mM doir hñVm§V[aV H$aUo - Vo Q>ßß`mQ>ßß`mZo Ho$bo OmD$ eH$V Zmhr.
11.23. gd© háo AmH$mabo OmÊ`mnyduM Oa ImVo ~§X Pmbo, Va òUo ~mH$s Agbbr a¸$_ EH$aH$_r H$mS>©ImË`mVyZ dOm H$aÊ`mV òB©b.
11.24. H$mS>©YmaH$mH$Sy>Z H$moUVrhr A{V[aº$ a¸$_ _mJÊ`mMm h¸$ ~±H$ ñdV:H$S>o amIyZ R>odrV Amho.
12. H°$e ~°H$
12.1. {S>bmB©Q> ßb°{Q>Z_ H$mS>© Am{U Ë`m§À`m A°S>-Am°Z H$mS>©²gda 10% H°$e ~°H$ gw{dYm CnbãY Amho. pìhOmZo ì`m»`m Ho$ë`mZwgma
"aoñQ>m°aQ§ >' Am{U "E§Q>aQ>oZ_|Q>' _MªQ> H°$Q>Jo ar H$moS> (E_grgr) A§VJ©V Á`m§Mo dJuH$aU _MªQ> EñQ>°pãbe_|Q> åhUyZ H$aÊ`mV Ambobo

Amho, Ë`m§À`mH$S>o Ho$boë`m ì`dhmam§daM H°$e ~°H$ CnbãY Amho. `mV ~mg©, nãO Am{U aoñQ>m°a§Q²>g E_grgr A§VJ©V dJuH$aU Ho$boë`m
H$emMmhr g_mdoe hmoVmo. E§Q>aQ>Zo _|Q>_Üò {MÌnU Am{U ZmQ>çJ¥hm§Mm g_mdoe hmoVmo.
12.2. \$º$ EHo$H$Q>çm XþH$mZm§VyZ Ho$boë`m ì`dhmam§daM H°$e ~°H$ XoD$ H$aÊ`mV òVo Am{U Or XþH$mZo (AmD$Q>boQ²>g) H$moUË`mhr
hm°Q>oëg/em°qnJ _m°ëg/{S>nmQ>_© |Q>b ñQ>moAg©, BË`mXter g§b¾ AgVrb Am{U Á`m§Mo dJuH$aU ""hm°Q>bo '', ""J«mogar'' ""Anmaoëg'',
""{S>nmQ>_© |Q>b ñQ>moAg©'', BË`mXtgmR>r Zmhr.
12.3. {S>bmB©Q> ßb°{Q>Z_ H$mS>© H°$e ~°H$darb H°$e ~°H$ {H$_mZ `10,000 a¸$_ IM© Ho$ë`mZ§Va {~qbJ gm`H$bÀ`m AmV S>m`qZJ Am{U
E§Q>aQ>oZ_|Q> dJiyZ BVa H°$Q>oJ[aO²da {_iob.
12.4. _m{gH$ {~qbJ gm`H$b_Üò S>m`qZJ Am{U E§Q>aQ>oZ_|Q> `m Xmohm|gh OmñVrVOmñV`600 H°$e ~°H$ CnbãY Agob. Á`m EH$mM
S>m`qZJ qH$dm _yìhr Q´>±P°ŠeZMo _yë` `4000/- nojm A{YH$ Agob, Ë`mda H°$e ~°H$ CnbãY Zgob. {d{eï> {~qbJ
gm`H$bgmR>rMm H°$e ~°H$ nwT>rb _{hÝ`mÀ`m {~qbJ gm`H$b_Üò O_m Ho$br OmB©b.
12.5. H°$e ~°H$gmR>r nmÌ Agbobo ì`dhma Vo Á`m VmaIog {~b Ho$bo OmVrb Ë`mM VmaIog {dMmamV KoVbo OmVrb Am{U Á`m VmaIog
H$mS>©YmaH$mÛmao {S>bmB©Q> ßb°{Q>Z_ H$mS>© ñdmB©n Ho$bo OmB©b, Ë`m VmaIog Zmhr.
12.6. CbQ> {\$adbobo qH$dm aÔ Ho$bobo H$moUVohr ì`dhma H°$e ~°H$gmR>r {dMmamV KoVbo OmUma ZmhrV.
12.7. H$mS>©YmaH$mb g§nyU© ì`dhmamMr a¸$_ {~b Ho$br OmB©b Am{U H°$e ~°H$ EH$ H«o${S>Q> E§Q´>r åhUyZ {XgyZ òB©b.
12.8. pìhOmZo ì`m»`m Ho$ë`mZwgma Oa H$moUË`mhr _MªQ> EñQ>°pãbe_|QZo {VMo E_Am`S>r (_MªQ> Am`S>r) A§VJ©V _°qnJ Ho$bobo Zgob, Va
H$mS>©YmaH$ H$moUË`mhr H°$e ~°H$gmR>r nmÌ Zgob.
12.9. H$mS>©YmaH$mMo ImVo Oa S>oqb¹§$Q> Pmbo, Va H°$e ~°H$ _mJo KoVbo OmB©b Am{U Omon`ªV H$mS>©YmaH$ Ë`mÀ`m Xo` Agboë`m EHy$U aH$_o Mo
nyU© no_|Q> H$arV Zmhr, Vmon`ªV H$moUË`mhr Zì`m IaoXrbm nadmZJr XoÊ`mV òUma Zmhr.
12.10. H$mS>©ImË`mV MwHy$Z O_m Ho$bbo H$moUVohr H°$e ~°H$ H$moUË`mhr àH$maMr nyd©gyMZm Z XoVm ~±H$ ñdV:À`m {ddoH$m{YH$mamV naV KoB©b.
13. H$mo-~«±S>oS> H$mS>©²g
13.1. ~±Ho$Zo {Xbobr H$mo-~«±S>oS> qH$dm A°{\${ZQ>r H$mS>©²g {Z`_ d AQ>tÀ`m ì`márV g_m{dï> Ho$br OmVmV. {d{eï> H$mo-~«±S>oS>er g§~§{YV Img
d¡{eîQ>ço Am{U bm^ doimodoir H$mo-~«±S> H$mS>©²gÀ`m gm{hË`mV ({bQ>aoQ>Ma) Am[a AOmª_Üò H$i{dÊ`mV òVrb Am{U H$moUË`mhr doir
H$mo-~«±S>er g§~§{YV d¡{eîQ>ço Am[a bm^ `m§_Üò ~Xb H$aÊ`mMo A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>do rV Amho Am{U Vo Ë`mZ§Va Vo
~±Ho$bm `mo½` dmQ>bo Ë`m nÕVrZo H$i{dbo OmVrb.
13.2. nrìhrAma JmoëS>/àrìhr ßb°{Q>Z_ H«o${S>Q> H$mS>©gmR>r H$mS>©YmaH$ _m{gH$ H«o${S>Q> H$mS>© {ddaUmV {~b Ho$boë`m Q´>±P°ŠeÝgÀ`m ([aìhg©ëg
dOm OmVm, H$mhr Agë`mg) AmYmao nrìhrAma {V{H$Q>m§gmR>r nmÌ hmoB©b.
14. hadbobr, Mmoarg Jobobr qH$dm J¡admna Ho$bobr H$mS>©²g
14.1. H$mS>©YmaH$ H$mS>©, H$mS>© H«$_m§H$ qH$dm {nZ `m§À`m gwa{jVVogmR>r O~m~Xma Amho Am{U Vo gwa{jV R>odÊ`mgmR>r Ë`mZo nmdbo CMbbr
nm{hOoV.
14.2. H$mS>©YmaH$mZm H$mS>©, H$mS>© H«$_m§H$ qH$dm {nZ hadë`mMr _m{hVr Ë`mÀ`m ehamVrb \$moZ ~±qH$J H«$_m§H$mda H$idyZ hadë`m~Ôb
~±Ho$bm VmËH$mi _m{hVr Úmdr. J¡admna hmoD$ Zò åhUyZ ~°§H$ VmËH$mi H$mS>© {ZpîH«$` H$aÊ`mMm à`ËZ H$arb.
14.3. na§Vw Ka\$moS>r/Mmoar_wio H$mS>© qH$dm {nZ hadbm qH$dm Ë`mMm J¡admna Pmbm, Va H$mS>©YmaH$mZo VmËH$mi ñWm{ZH$ nmobrg R>mÊ`mV
n{hbr I~a (""E\$AmÀma'') Zm|Xdbr nm{hOo.
14.4. H$mS>© hadbo qH$dm Mmoarg Jobo Va AZ{YH¥$V ì`dhmam§nmgyZ H$mS>©YmaH$mbm g§ajU nwa{dÊ`mV Ambobo Amho. Ý`y B§{S>`m A°í`wAaÝg
H§$nZr {b{_Q>oS>À`m _mÜ`_mVyZ {då`mÀ`m aH$_ogmR>r nmÌVoMr J«rS> Imbr {Xbobr Amho - H$mS>M© m àH$ma, XadfuMr {då`mMr a¸$_
H$mS>©Mm àH$ma àËòH$ dfm©gmR>r {då`mMr a¸$_ (`)

{gëìha H$mS>© ₹25,000
JmoëS> H$mS>© ₹1,00,000
ßb°{Q>Z_ H$mS>© ₹1,25,000
{g¾oMa H$mS>© ₹2,50,000
{à{_A_ H$mS>©²g ₹10,00,000

{då`mÀ`m AQ>tZwgma ~±Ho$À`m {ddoH$m{YH$mamV {då`mÀ`m Xmì`mda à{H«$`m Ho$br OmB©b. H$moUË`mhr Xmì`mda à{H«$`m H$aÊ`mgmR>r Agboë`m
H$mJXnÌm§À`m `mXrV C„oI Zgoboë`m BVa A{V[aº$ H$mJXnÌm§Mr/nwamì`mMr (Amdí`H$Vm Agë`mg) ~±H$ Ë`m§Mr _mJUr H$ê$ eH$Vo.
H$mS>© hadë`mMr _m{hVr ~±Ho$bm XoÊ`mnydu 7 {Xdg AmYr Ho$bobo H$moUVohr ì`dhma {då`mÀ`m Xmì`mgmR>r nmÌ AmhoV. H$mS>© hadë`mMr _m{hVr
~±Ho$bm XoÊ`mnydu 7 {Xdg AmYr Ho$boë`m H$moUË`mhr AZ{YH¥$V ì`dhmamgmR>r H$mS>©YmaH$M O~m~Xma Agob.
H$mS>©YmaH$mZo Imbr {Xboë`m H«$_m§H$m§da ~±Ho$er g§nH©$ gmYyZ Xmdm Zm|Xdbm nm{hOo. Vw_À`m H$moQ>H$ H«o${S>Q> H$mS>©g§~§YrÀ`m A{YH$ Mm¡H$ergmR>r
Vwåhr Vw_À`m B§Q>aZoQ> ~±qH$J `wOa Am`S>r Am{U nmgdS>©À`m gmømZo w.kotak.comda B©_ob nmR>dy eH$Vm. Xþgam n`m©` åhUOo Vwåhr Am_À`m 24 Vmg
Mmby Agboë`m g§nH©$ H|$Ðmer 18602662666 er g§nH©$ gmYy eH$Vm (ñWm{ZH$ H$m°bXa bmJy hmoVrb) Am{U Imbr C„oI Ho$bobr H$mJXnÌo
Am_À`m www.kotak.com `m g§Ho$VñWimda (grS>rE\$ Am{U E\$AmÀma `m§À`m àVr) Amåhmbm @att.cards@kotal.comAm{U
kotakcredit.cardalert@kotak.comda B©_ob H$ê$ eH$Vm, Vw_À`m e§Ho$er g§~§{YV.
H$mS>©YmaH$mZo Ë`mMm/{VMm Xmdm Zm|X{dÊ`mgmR>r _mJUr Zm|Xdë`mZ§Va 7 {Xdgm§À`m AmV ~±Ho$H$S>o nwT>rb H$mJXnÌo gmXa Ho$brM nm{hOoV -
1. âbobm H$mS>©hmoëS>a {S>ñß`wQ> \$m°_©
2. E\$AmÀmaMr àV
3. nmgnmoQ>©Mr àV (g§nyU© 36/60 nmZo)
4. Xmì`mda à{H«$`m H$aÊ`mgmR>r/AÝdofU H$aÊ`mgmR>r ~±Ho$bm/{d_m H§$nZrbm Amdí`H$ dmQ>Vrb Aer BVa gd© H$mJXnÌo.
Oa Xmì`mMm {ZH$mb H$mS>©YmaH$mÀ`m ~mOyZo bmJbm Zmhr, Va AZ{YH¥$V ì`dhmam§gmR>rMr O~m~Xmar H$mS>©YmaH$mMr Agob.
14.5 ghr Z Ho$bobo H$mS>© hadë`mg, Ë`mda Ho$boë`m gd© IMm©À`m AmH$mam§gmR>r H$mS>©YmaH$ O~m~Xma Agob.
14.6 H$mS>©YmaH$mZo Oa Ë`mMo H$mS>© naXoemV hadbo, Va Ë`mZo Cnamoº$ à{H«$`m nma nmS>mdr qH$dm pìhOm ½bmo~b H$ñQ>_a A{gñQ>Ýg
hoënbmB©ÝgÀ`m _mÜ`_mVyZ Ë`m{df`r _m{hVr Úmd. H$mS>©YmaH$mZo Oa pìhOm ½bmo~b H$ñQ>_a A{gñQ>Ýg g{ìh©gogMm Cn`moJ Ho$bm,
Va Aem godm§Mm dmna Ho$ë`m~ÔbMm AmH$ma H$mS>©YmaH$mbm âmdm bmJob.
14.7 dra - ßb°{Q>Z_/{gboŠQ>gmR>r - H$mS>©YmaH$mZo Oa Ë`mMo H$mS>© naXoemV hadbo, Va Ë`mZo EH$Va darb H$m`©àUmbrMo nmbZ Ho$bo
nm{hOo qH$dm H$mS>© hadë`m~ÔbMr _m{hVr ê$no H$ñQ>_a A{gñQ>Ýg hoën-bmB©ÝgÀ`m _mÜ`_mVyZ {Xbr nm{hOo. Oa J«mhH$mZo ê$no
H$ñQ>_a A{gñQ>Ýg godoMm Cn`moJ Ho$bm, Va Aem godm§Mm dmna H$aÊ`mgmR>rMo AmH$ma H$mS>©YmaH$mbm âmdo bmJVrb.
14.8 Agohr H$s, H$mS>©YmaH$mZo gd© {Z`_ Am{U AQ>tMr nyV©Vm gd© ~m~VrV Ho$bobr Agob, Va ~±H$ ñdV:À`m {ddoH$m{YH$mamV
hadboë`m/Mmoar Pmboë`m H$mS>©À`m ~Xë`mV Xþgao H$mS>© XoB©b.
14.9 H$mS>© Oa hadbo, Mmoarg Jobo qH$dm Ë`mMm J¡admna Ho$bm Jobm Am{U darbà_mUo ~±Ho$bm Am{U {d_m H§$nZrbm boIr H$i{dÊ`mV Ambo
Zmhr, Va Ë`mgmR>rÀ`m AmH$mam§gmR>r H$mS>©YmaH$ nyU©V: O~m~Xma Agob Am{U H$mS>©YmaH$ `mÛmao H$mS>© hadUo, Mmoar qH$dm J¡admna
`m§{df`rMr O~m~Xmar, ZwH$gmZ, CËnmXZIM©, IM© qH$dm ZwH$gmZânmB© `m{df`r ~±Ho$bm nyU©V: h_r XoVmo.
14.10 na§Vw Ooìhm H$moUrVar H$mS>©YmaH$mÀ`m qH$dm A°S>-Am°Z H$mS>©YmaH$mÀ`m g§_VrZo/g§_Vr{edm` H$mS>© qH$dm {nZ {_idyZ Ë`mMm J¡admna
H$arV Agob, Va H$mS>©YmaH$ gd© ZwH$gmZmgmR>r O~m~Xma Agob.
14.11 ~±Ho$Zo Oa Ago R>adbo H$s, H$mS>©YmaH$ b~mS>rZo dmJbobm Amho qH$dm H$moUVrhr H$miOr Z KoVm {ZîH$miOrnUo dmJbm Agob, Va
H$mS>© hadë`m_wio, Mmoarbm Joë`m_wio qH$dm J¡admna Ho$ë`m_wio hmoUmao Am{W©H$ ZwH$gmZ H$mS>©YmaH$mZo gmogbo nm{hOo.
14.12 H$mS>© hadë`mMr/Mmoarbm Joë`mMr/Iam~ Pmë`mMr _m{hVr {Xë`mZ§Va Am{U ~±Ho$Zo H$mS>© gñn|S> Ho$ë`mZ§Va Oa H$moUVmhr AZ{YH¥$V
ì`dhma H$aÊ`mV Ambm, Va Ë`mgmR>r H$mS>©YmaH$ O~m~Xma Zgob. Aem àH$maMr _m{hVr {Xë`mZ§Va Oa H$moUVmhr ì`dhma Ho$bm,
Va Ë`mMr O~m~Xmar ~±Ho$Mr Agob. na§Vw _m{hVr XoÊ`mg§~§YrMr doi Am{U/qH$dm _m{hVr {Xë`mZ§Va H$mS>©da Ho$bobm H$moUVmhr
ì`dhma `m§{df`r Oa dmX Agob, Va doi Am{U/qH$dm {ddmXmñnX ì`dhmamMr A{YH¥$VVm `m§Mr ehm{Zem ~±H$ H$aÊ`mMm h¸$
amIyZ R>do rV Amho.
14.13 H$mS>© XoÊ`mgmR>r Á`m ì`º$sZo {dZ§Vr Ho$bobr Amho {Vbm H$mS>© {Xbo OmVo. Vw_À`mì`{V[aº$ Vwåhmbm {Xbobo H$mS>© BVa H$moUmhr ì`º$sg
AmoiIrMm nwamdm åhUyZ qH$dm AÝ` H$maUmgmR>r dmnaÊ`mMr nadmZJr Zmhr. Vwåhr Oa BVa H$moUmbm Vw_Mo H$mS>© dmnaÊ`mg {Xbo
Agob qH$dm Vwåhr ñdoÀN>oZo H$mS>©Mm àË`j Vm~m gmoS>bobm Agob, Va Ë`m_wio Vwåhmbm {Xboë`m H$mS>©À`m ~m~VrVrb no_|Q>
H$aÊ`mg§~§Yr Am_À`m ~m~VrV Agboë`m Vw_À`m O~m~Xmarda n[aUm_ hmoUma Zmhr. H$mS>© Oa hadbo, Mmoarg Jobo, Iam~ Pmbo,
X~md Q>mHy$Z, emar[aH$ h„m H$ê$Z, XheVdmXr hëë`mV, H$ama A_bmV Amë`mZ§Va doS>ganUm_wio, ~oH$m`Xoera ~m~r,
åhUOoM A_br nXmWmªMm ì`mnma, ~§XþH$sMm YmH$ XmIdyZ ~oH$m`XoeraarË`m dmnabo Jobo qH$dm Vw_À`m nadmZJr{edm` H$mS>©Mm
dmna Ho$bm OmVmo` Agm Vwåhmbm g§e` Amë`mg Vwåhr VmËH$mi Ë`m{df`rMr _m{hVr (24 Vmg J«mhH$ godm H«$_m§H$m§da) {Xbr
nm{hOo. H$mS>© hadë`mg qH$dm Mmoarbm Joë`mg, Vwåhr VmËH$mi OoWo KQ>Zm KS>br VoWyZ Odi Agboë`m nmobrg R>mÊ`mV n{hbr I~a
(E\$AmÀma) Zm|Xdbr nm{hOo Am{U Aem àg§JmMr Vnerbdma _m{hVr XoD$Z Ë`mgmo~V E\$AmÀmaMr EH$ àV Amåhmbm gmXa
Ho$br nm{hOo. na§Vw Ooìhm H$moUrVar H$mS>© àmá H$ê$Z H$mS>©Mm qH$dm {nZMm J¡admna H$mS>©YmaH$mÀ`m qH§$dm A°S>-Am°Z H$mS>Y© maH$mÀ`m
g§_VrZo/g§_Vr{edm` H$arb qH$dm H$mS>©YmaH$ b~mS>rMr H¥$Vr Ho$bobr Agob qH$dm nwae o r H$miOr Z KoVm H¥$Vr Ho$bobr Agob, Vìhm
H$mS>©YmaH$ gd© ZwH$gmZmgmR>r O~m~Xma Agob.
15. {~qbJ, ñQ>oQ>_|Q> ({ddaU) Am{U no_|Q²>g
15.1 {~qbJ Am{U ñQ>oQ>_|Q²>g
(I) ~±H$ àm`_ar ImVoYmaH$mbm Ë`mZo {Xboë`m eodQ>À`m nÌì`dhmamÀ`m nÎ`mda _m{gH$ H$mS>© ImVo{ddaU nmR>drb, Á`mV H$mS>© d Ë`mgh
{Xboë`m H$moUË`mhr A°S>-Am°Z H$mS>©À`m dmnamgmR>r bmdboë`m AmH$mam§Mo {~qbJ H$ê$Z, A{YH$ bmJy Agbobo gd© AmH$ma Am{U
AQ>t_Üò VaVyX Ho$ë`mZwgma AmH$mam§Mm g_mdoe Agob. Oa `100 qH$dm Ë`mnojm H$_r a¸$_ òUo ~mH$s Agob Am{U H$mS>©da
H$moUVmhr ì`dhma Ho$bm Zgob, Va Ë`m H$mbmdYrMo {ddaU V`ma Ho$bo OmUma Zmhr Am{U nmR>dbo OmUma Zmhr.
(ii) ~±H$ {ddaUmMr àË`j àV Zoh_rÀ`m Q>nmbmZo qH$dm Hw$[aAaZo àm`_ar H$mS>©YmaH$mÀ`m nÌì`dhmamÀ`m nÎ`mda nmR>drb. VWm{n,
H$mS>©YmaH$ Ë`mÀ`m H$mS>©Mo {ddaU àmá H$aÊ`mgmR>r ""B©-_ob'' hm n`m©` {ZdSy> eHo$b. `m ~m~VrV H$mS>©YmaH$mZo Ë`mMo {ddaU
Zm|XUrH¥$V B©-_obda àmá H$aÊ`mg g§_Vr {Xë`mZ§Va ~±H$ àË`j àV nmR>{dUo ~§X H$arb. H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS>©YmaH$m§Zm,
àm`_ar H$mS>©hmoëS>a ~±H$ àmo\$mB©b_Üò AnS>oQ> Ho$boë`m Ë`mÀ`m ""ào\$S>©'' B©-_ob Am`S>rdaM BboŠQ´>m°{ZH$ ñQ>Qo >_|Q> nmR>drb.
(iii) naH$s` MbZmV bmJy H$aÊ`mV Ambobo gd© AmH$ma H$mS>©YmaH$mÀ`m {ddaUmV \$º$ ^maVr` én`m§_Üò {~b Ho$bo OmVrb. H$mS>©YmaH$
_mÝ` H$aVmo Am{U naH$s` MbZmV bmJy Ho$bobo AmH$ma, Ama~rAm`Zo doimodoir A{Ygy{MV Ho$boë`m Ë`mdoir àM{bV Agboë`m,
{d{eï> Q>¸o$dmarZo dmT>dboë`m - Oo ~±Ho$Ûmao Imbr C„oI Ho$ë`mZwgma ñnï>nUo CKS> Ho$bo OmVrb - Ë`m MbZmÀ`m {d{Z_` XamZo
Ë`mÀ`mEdT>çm _yë`mÀ`m ^maVr` én`m§_Üò ê$nm§V[aV H$aÊ`mMo `mÛmao ~±Ho$bm A{YH$ma XoV Amho.
(iv) H$mS>©YmaH$mZo {dZ§Vr Ho$ë`mg ~±H$ H$mS>©ImË`mÀ`m {ddaUm§Mm 12 (~mam) _{hÝ`m§À`m AmVrb AmYrÀ`m {ddaUm§Mr \$º$ Z¸$b àV
XoB©b. ~±H$ ñdV:À`m {ddoH$m{YH$mamZo Aem àH$maMr H$mS>©ImË`mMr Z¸$b àV XoÊ`mgmR>r, ~±Ho$Zo {VÀ`m eoS>çyb Am°\$ MmO}g_Üò
doimodoir CKS> Ho$ë`mZwgma H$Xm{MV AmH$ma bmJy H$arb.
(v) H$mS>©YmaH$ _mÝ` H$aVmo H$s, ~±H$ {ddaU àmá Pmbo Zmhr qH$dm Ë`mV H$mhr ÌwQ>r Agë`mg Ë`m{df`r Ë`mÀ`m ñQ>oQ>_|Q> {~qbJ S>oQ>À`m
15 {Xdgm§À`m AmV H$i{dUo hr Ë`mMr O~m~Xmar Amho. H$mS>©YmaH$mZo Oa Aem àg§JmMr _m{hVr ~±Ho$bm {Xbr Zmhr, Va {ddaU
{Xbo Jobo Amho Am{U Vo A§{V_ Amho Ago g_OÊ`mV òB©b. H$moUË`mhr H$maUmñVd {ddaU àmá Z hmoUo ho Xo` Agbobr a¸$_ Z
âÊ`mMo H$maU hmoD$ eH$V Zmhr.
(vi) ~±Ho$Zo nwa{dboë`m {ddaUmV Imbrb Vnerb AgVrb:
H$. ""EHy$U Xo` a¸$_'' - ì`mOmMo AmH$mabo OmD$ Zò åhUyZ no_|Q> S>çy S>oQ>À`m AmYr Xo` Agbobr WH$sV a¸$_.
I. ""{H$_mZ Xo` a¸$_'' - ~±Ho$Zo doimodobr R>adboë`m EHy$U Xo` aH$_oMm H$mhr {hñgm.
J. ""no_|Q>Mr Xo` VmarI'' - {db§~ewëH$ bmJy Zò åhUyZ H$mS>©YmaH$mZo Ë`mÀ`m {e„H$ aH$_ogmR>r no_|Q> H$amd`mMr VmarI.
K. H$mS>©da ""òUo ~mH$s Agbobr EHy$U a¸$_'', Á`mV EHy$U Xo` a¸$_ Am{U {e„H$ a¸$_ hñVm§VaU, H$O} Am{U _m{gH$
háo `m§Mr òUo ~mH$s Agbobr _wÔb a¸$_ `m§Mm g_mdoe Amho. hr a¸$_ H$mS>©YmaH$mÀ`m g§X^m©gmR>r Agob
15.2 no_|Q²>g:
(i) H$mS>©YmaH$ H$~yb H$aVmo H$s, Vmo A°S>-Am°Z H$mS>©g{hV H$mS>M© m dmna Ho$ë`mZo bmJy hmoUmè`m gd© AmH$mam§gmR>r, A{YH$ {Z`_ d
AQ>t_Üò XoÊ`mV Ambobo gd© AmH$ma `mgmR>r ~±Ho$Mo no_|Q²>g XoUo bmJVmo Am{U Vo H$arb.
(ii) ~±H$ H$mS>©YmaH$mbm _m{gH$ {ddaUmV Xe©{dbobr \$º$ "{H$_mZ Xo` a¸$_' "no_|Q>À`m Xo` VmaIog qH$dm Ë`mnydu' âUm H$aÊ`mMm
n`m©` CnbãY H$ê$Z XoVo. ~±H$ H$moUË`mhr H$mS>©YmaH$mÀ`m ~m~VrV ñdV:À`m {ddoH$m{YH$mamV nyd©gyMZm XoD$Z no_|Q> H$aÊ`mMr hr
gw{dYm H$moUË`mhr doir _mJo KoD$ eHo$b. Oa H$mS>©YmaH$mZo no_o§Q>À`m Xo` VmaIog ""{H$_mZ Xo` a¸$_'' âÊ`mMm n`m©` {ZdS>bm, Va
Vmo {db§~ewëH$ Q>miVmo. na§Vw Oa H$mS>©YmaH$mZo {H$_mZ Xo` a¸$_ qH$dm {H$_mZ Xo` aH$_onj o m OmñV {H$Vrhr a¸$_, nU EHy$U Xo`
aH$_onojm H$_r a¸$_ âUm Ho$br, Va òUo ~mH$s Agboë`m aH$_oda S>obr A°H«w$b ~o{ggda (ewëH$ Am{U AmH$ma {d^mJmV CXmhaU
{Xë`mZwgma) JUZm Ho$bobo ì`mO bmJy Agboë`m Xam§Zr âmdo bmJob. Vwåhr Oa ""EHy$U Xo` a¸$_'' âÊ`mMm n`m©` {ZdS>bm, Va
H$moUVohr ì`mO AmH$mabo OmUma Zmhr. H$mS>©À`m doJdoJù`m ìho[aE§Q²>gda bmJy Agboë`m ì`mOXam§À`m Vn{ebm§gmR>r H¥$n`m
www.kotak.com da CnbãY Agbobo eoS>çyb Am°\$ MmO}g nhm.

(iii) {H$_mZ Xo` a¸$_ Aer Agob:
• EHy$U Xo` a¸$_ qH$dm ~±Ho$Zo ñdV:À`m {ddoH$m{YH$mamV R>adyZ {Xbobr BVa H$moUVrhr a¸$_ `mda 5% qH$dm 10% . H¥$n`m
Zm|X ¿`m H$s, gm_rb hmoÊ`mMo ewëH$ (Om°`qZJ \$sO) Am{U gd© à{H«$`mewëH$ Vw_À`m {H$_mZ Xo` aH$_o_Üò nyU©nUo OmoS>bo
OmVo.
• AmYrÀ`m {ddaUmVrb Oa H$mhr Z âbobr {H$_mZ Xo` a¸$_ Agbr, Va VrgwÕm Mmby {ddaUmÀ`m {H$_mZ Xo` aH$_oV
OmoS>br OmB©b.
• Oa EHy$U òUo ~mH$s Agbobr a¸$_ nV_`m©Xonojm A{YH$ Agob, Va OodT>çm aH$_oZo nV_`m©Xm Amobm§S>bobr Agob, VrgwÕm
{H$_mZ Xo` aH$_oV OmoS>br OmB©b.
(iv) {H$_mZ Xo` a¸$_ âÊ`mÀ`m n`m©`m_wio H$mS>©YmaH$mÀ`m VmËH$mi O~m~Xmarda n[aUm_ hmoUma Zmhr Am{U H$mS>©YmaH$mbm "ŠbmoqOJ
~°bÝg'Mo nyU© no_|Q> H$aÊ`mg gm§JUÀ`mMm h¸$ ~±H$ ñdV:H$S>o amIyZ R>do rV Amho.
(v) H$mS>©darb òUo ~mH$s aH$_oMo {_imboë`m no_|Q>Mm {d^mJUr Aer Ho$br OmB©b: gd© H$a, ewëH$ Am{U BVa AmH$ma, ì`mOmgmR>rMo
AmH$ma, _m{gH$ háo, amoI aH$_oMo AJ«r_, IaoXr Am{U {e„H$ aH$_oMo hñVm§VaU `m H«$_mZo. H$mS>©darb òUo ~mH$s Agboë`m
aH$_ogmR>r Ho$boë`m no_|Q²>ggmR>r Ë`mZ§VaÀ`m {ddaUmV nmoMnmdVr {Xbr OmVo. gd© no_|Q²>g \$º$ ^maVr` én`m§_Üò H$amd`mMr AmhoV.
H$moUVrhr OmñVrMr no_|Q²>g H$moUVohr òUo ~mH$s Agbobo _m{gH$ háo/H$O© qH$dm ~rQ>r `m§gmR>r Ë`m H«$_mZo g_m`mo{OV Ho$br OmVrb.
(vi) H$mS>©ImË`mV H$amd`mMr no_|Q²>g Imbrbn¡H$s H$moUË`mhr _mJmªZr H$aVm òVrb:
• ñQ>±qS>J BÝñQ´>ŠeÝgÀ`m (Am°Q>mo S>o{~Q>) n¡go âm
H$mS>©YmaH$ Ë`mÀ`m H«o${S>Q> H$mS>©Mr {~bo no_|Q>À`m Xo` VmaIog Ë`mÀ`m H$moQ>H$ _qhÐm ~±H$ImË`mÀ`m _mÜ`_mVyZ Xa_hm no_|Q> dOm
H$aÊ`mgmR>r boIr gyMZm XoD$Z ^ê$ eH$Vmo. H$mS>©YmaH$ Ë`mÀ`m ImË`mVyZ {H$_mZ Xo` a¸$_ qH$dm EHy$U Xo` a¸$_ âÊ`mg§~§Yr
gyMZm XoÊ`mMm n`m©` {ZdSy> eH$Vmo. Oa no_|Q>À`m Xo` VmaIog a{ddma Ambm qH$dm gwÅ>r Agbr, Va Aer a¸$_ Aem ImË`mVyZ
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ImË`mVyZ Am°Q>mo S>o{~Q>gmR>r gyMZm XoUo A{Zdm`© Amho.
• H$moQ>H$ _qhÐm ~±H$ImË`mXÿZ Am°ZbmB©Z n¡go âm.
H$moQ>H$ _qhÐm ~±Ho$Mo ~MV/Mmby ImVoYmaH$ åhUyZ H$mS>©YmaH$ H«o${S>Q> H$mS>©Mo {~b Ë`mÀ`m Kê$Z qH$dm H$m`m©b`mVyZ Amam_mV
Am°ZbmB©Z ^ê$ eH$Vmo. `mgmR>r H$mS>©YmaH$ www.kotak.com da bm°J Am°Z H$ê eH$Vmo. H$mS>©YmaH$mH$S>o Ë`mÀ`m H$moQ>H$ _qhÐm
~±H$ ImË`mgmR>r Oa B§Q>aZoQ> nmgdS>© Zgob, Va H$mS>©YmaH$ ~±Ho$À`m Q>mob \«$s J«mhH$g§nH©$ H«$_m§H$mda H$m°b H$ê$ eHo$b. H$moQ>H$
EZAmaAm` H$mS>©YmaH$ Ë`mÀ`m H$moQ>H$ _qhÐm ~±H$ EZAmaB©/EZAmaAmo ~MV ImË`mVyZ Am°ZbmB©Z n¡go ^ê$ eH$Vmo.
• BVa ~±H$m§_Yrb Vw_À`m ~MV ImË`mVyZ Am°ZbmB©Z no_|Q> H$aÊ`mgmR>r.
Oa Vw_À`m Xþgè`m ~±Ho$Zo EZB©E\$Q>r (Z°eZb BboŠQ´>m°{ZH$ \§$S²>g Q´>mÝg\$a) gw{dYm g{H«$` Ho$bobr Agob, Va H«o${S>Q> H$mS>©darb Xo`
a¸$_ Vw_À`m BVa ~±H$ImË`mVyZhr BboŠQ´>m°{ZH$br âbr OmD$ eH$Vo.H$moQ>H$ _qhÐm ~±Ho$gmR>r So>pñQ>Ze o Z ~±H$ åhUyZ Vwåhr
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\$sMg© nhm.
• Vw_À`m Zm°Z H$moQ>H$ ~±H$ gmB©Q>da bm°J Am°Z H$am.
• EZB©E\$Q>r n`m©` {ZdS>m
• H$moQ>H$ H«o${S>Q> H$mS>©²gMo no_|Q> H$aÊ`mgmR>r a{OñQ>a H$am.
• Vnerb à{dï> H$am - (ho ~±Ho$À`m gmB©Q>Zwgma {d{eï> Agy eH$VmV)
• no`rMo Zmd - 416 H$mMo Zmd
• n`m©` {ZdS>m - EZB©E\$Q>rgmR>r AH$mD§$Q>Mm àH$ma åhUyZ 52 {ZdS>m
• bmoHo$eZ {gQ>r {ZdS>m - _w§~B©
• S>opñQ>ZoeZ ~±H$ {ZdS>m - H$moQ>H$ ~±H$
• ~±H$ H$moS> _oZ ~«±M _w§~B© - AmÈ\$Eggr H$moS> - KKBK0000958

• no`r ImVo H«$. 4166 {ZdS>m (Vw_Mm 16 A§H$s H$moQ>H$ H«o${S>Q> H$mS>© H«$. AMyH$nUo Úm). H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS>©YmaH$
Ë`mÀ`m H«o${S>Q> H$mS>©À`m {~bmMo no_Q| > BVa ~±H$m§Vrb ImË`mVyZ EZAmaB©/EZAmaAmo_YyZ EZB©E\$Q>rMm Cn`moJ H$ê$Z ^ê$ eH$Vmo.
• emIm§_Üò amoI a¸$_ ^ê$Z n¡go âm.
H$mS>©YmaH$ Ë`mÀ`m H«o${S>Q> H$mS>©Mo {~b H$moQ>H$ _qhÐm ~±Ho$À`m \$º$ {d{eï> {R>H$mUÀ`m emIm§_Üò H$m_H$mOmÀ`m doioV amoI a¸$_
^ê$Z ^ê$ eH$Vmo. ho no_|Q> H$mS>©YmaH$mÀ`m H«o${S>Q> H$mS>©ImË`mV 24 Vmgm§À`m AmV à{Vq~{~V hmoB©b. H$mS>©YmaH$ Á`m emIm§_Üò
Ë`mMo H«o${S>Q> H$mS>© {~b ^ê$ eHo$b Aem emIm§Mr `mXr www.kotak.com da CnbãY Amho. H$moQ>H$ EZAmaAm` H«o${S>Q>
H$mS>©YmaH$ Ë`mÀ`m H«o${S>Q> H$mS>© {~bmMo no_|Q> emIm§_Üò amoI a¸$_ ^ê$Z H$ê$ eH$Vrb.
• MoH$ qH$dm {S>_m§S> S´>mâQ>À`m _mÜ`_mVyZ n¡go âm
H$mS>©YmaH$mZo \$º$ EdT>oM H$am`Mo Amho H$s, H$moQ>H$ _qhÐm ~±H$ H«o${S>Q> H$mS>© H«$. (H¥$n`m 16 A§H$s H«o${S>Q> H$mS>© H«$_m§H$ AMyH$
{bhm) `m Zmdo bmoH$b qH$dm A°Q> nma MoH$/S´>mâQ> V`ma H$am`Mm. H$mS>©YmaH$mZo MoH$À`m _mJrb ~mOyda Ë`mMo Zmd Am{U
g§nH$m©Mo Vnerb {b{hUo bjmV R>odmdo. H$mS>©YmaH$mZo ~mhoaMo (AmD$Q>ñQ>oeZ) MoH$ qH$dm nmoñQ>S>oQ>oS> MoŠg Q>mHy$ ZòV, H$maU Vo
no_|Q>gmR>r ñdrH$mabo OmUma ZmhrV. MoH$/S´>mâQ> ~±Ho$H$S>o no_|Q>À`m Xo` VmaIog qH$dm Ë`mnydu nmohmoMbm nm{hOo. H$moQ>H$
EZAmaAm` H«o${S>Q> H$mS>©YmaH$ Ë`mÀ`m H«o${S>Q> H$mS>© {~bmMo no_|Q> Ë`mÀ`m EZAmaB©/EZAmaAmo ImË`mVyZ MoH$ qH$dm S´>mâQ> V`ma
H$ê$Z no_|Q> H$ê$ eH$VmV.
H$mS>©YmaH$ nwT>rb {R>H$mUr MoH$/S´>mâQ> Q>mHy$ eH$Vrb:
• \$º$ {d{eï> {R>H$mUr CnbãY Agboë`m H$moQ>H$ _qhÐm ~±Ho$À`m EQ>rE__Üò
• \$º$ {d{eï> {R>H$mUr CnbãY Agboë`m nmQ>©Za S´>m°n ~m°Šgog_Üò
• pìhOm H«o${S>Q> H$mS>© no_|Q>
H$mS>©YmaH$ Ë`m§À`m pìhOm S>o{~Q> H$mS>©_YyZ Ë`mMo H«o${S>Q> H$mS>©Mo {~b âÊ`mgmR>r n¡go hñVm§V[aV H$ê$ eHo$b. H$moQ>H$ EZAmaAm`
H«o${S>Q> H$mS>©YmaH$ Ë`mÀ`m EZAmaB©/EZAmaAmo ImË`mda {Xboë`m S>o{~Q> H$mS>©À`m _mÜ`_mVyZ no_|Q> H$ê$ eHo$b.
(vii) ~±Ho$H$S>o Xo` a¸$_ âÊ`mgmR>r nmR>{dÊ`mV Ambobo MoŠg/S´>mâQ²>g Aem àH$mao {b{hbo nm{hOoV H$s, Vo ~±Ho$Zo R>adyZ {Xboë`m
eham§_Üò Xo` Agbo n{hOoV Am{U OoWo H$mS>©YmaH$mMo ~±H$ImVo Agbo nm{hOo Am{U/qH$dm Vmo A°Q> nma Xo` Agbm nm{hOo. ~±Ho$À`m
emIm Zgboë`m eham§_Üò Xo` Agbobo MoŠg ñdrH$mabo OmUma ZmhrV Am{U `m_wio {Z_m©U hmoUmao Xm{`Ëd qH$dm H$mS>©YmaH$ ImË`mda
bmJy hmoUmao ì`mO qH$dm BVa AmH$ma `m§gmR>r ~±H$ O~m~Xma Zgob. H$mS>©YmaH$mZo {dZ§Vr Ho$br VaM ~mhoaJmdMo MoŠg ~±H$ naV
XoB©b. ~±Ho$À`m Á`m emIm§_Üò amoI a¸$_ ñdrH$mabr OmB©b Ë`m§Mr `mXr ~±Ho$À`m g§Ho$VñWimda XoÊ`mV Ambobr Amho. na§Vw øm `mXrV
nyd©gyMZm Z XoVm ~Xb hmoD$ eH$VmV.
(viii) Ho$bobr H$moUVrhr IaoXr Am{U Ë`mZ§Va Vr aÔ H$aUo ho XmoZ doJdoJio ì`dhma AmhoV.
{db§~ewëH$ qH$dm BVa H$moUVohr AmH$ma Q>miÊ`mgmR>r H$mS>©YmaH$mZo _m{gH$ {ddaUmV {XgV Agbobo gd© IaoXrÀ`m ì`dhmam§gmR>r n¡go
âbo nm{hOoV. naV XoÊ`mV òUmao n¡go Ooìhm ~±Ho$H$S>o àmá hmoVrb, Voìhm H$mS>©ImË`mV O_m H$aÊ`mV òVrb (aÔ H$aÊ`mgmR>r H$mhr
AmH$ma Agë`mg Vo dOm H$ê$Z). ì`dhma Ho$ë`mZ§Va 30 (Vrg) {Xdgm§À`m AmV Oa H$mS>©ImË`mV H«o${S>Q> nmoñQ> H$aÊ`mV Ambo Zmhr,
Va H$mS>©YmaH$mZo VmËH$mi ~±Ho$bm H$idbo nm{hOo.
(ix) no_|Q> H$aÊ`mV Oa {db§~ Pmbm qH$dm MoH$/S´>mâQ> {S>gAm°Za Pmbm Zmhr qH$dm H$amamV C„oI Ho$boë`m {Z`_ d AQ>tMo C„§KZ
Pmë`mg, ~±Ho$bm ñdV:À`m {ddoH$m{YH$mamV H$mS>©YmaH$mbm H$moUVrhr nyd©gyMZm Z XoVm H$mS>©A§VJ©V nwa{dÊ`mV Ambobr nVgw{dYm
VmËH$mi H$mTy>Z KoÊ`mMm h¸$ Agob Am{U òUo ~mH$s Agbobr g§nyU© {e„H$ a¸$_ VmËH$mi Xo` Am{U âUm H$aÊ`mOmoJr ~Zob. ~±H$
nrE_B©O²Zm H$mS>© Am°Za Z H$aÊ`m{df`rÀ`m Am{U/qH$dm dm°{ZªJ ~wbo{Q>Z_Üò H$mS>© H«$_m§H$ gyMr~Õ H$ê$Z qH$dm AÝ`Wm H$mS>©
Vmã`mV KoÊ`mg§~§Yr gyMZm XoD$ eHo$b.
(x) H$moUVmhr MoH$/S´>mâQ> {S>gAm°Za Pmë`mg ~±H$ Ë`mgmR>r ewëH$ AmH$marb. naV nmR>dboë`m BÝñQ®>_|Q>gmR>rMo ewëH$ ~±Ho$Zo H$i{dë`mZwgma
~±Ho$Ûmao doimodoir R>a{dÊ`mV òB©b.
(xi) òUo ~mH$s Agbobr a¸$_ dgyb H$aÊ`mgmR>r ~±Ho$bm ñdV:À`m {ddoH$m{YH$mamV gd© Cnm``moOZm hmVr KÊ`mMm A{YH$ma Amho, Á`mV
{ZJmo{eE~b BÝñQ®>_|Q²>g H$m`Xm, 1881 A§VJ©V \$m¡OXmar IQ>bm XmIb H$aÊ`mMmhr g_mdoe Amho.
(xii) H$mS>©YmaH$ H$~yb H$aVmo Am{U ñdrH$ma H$aVmo H$s, ~±H$ qH$dm {VZo {Z`wº$ Ho$bobo à{V{ZYr H$moUË`mhr doir H$mS>©da AmYr Ho$boë `m
ì`dhmam§gmR>r/AmH$mam§gmR>r/ewëH$mgmR>rÀ`m no_|Q>gmR>r H$mS>©YmaH$mH$S>o nmR>nwamdm H$ê$ eH$Vrb. ~±Ho$Zo Xo` a¸$_ O_m H$aÊ`mgmR>r,
àmg§{JH$ ~m~tgmR>r Ho$boë`m AmH$mam§gmR>r gd© Xo` a¸$_, Á`mV ZyVZrH$aUmgmR>rMo/H$mS>© ~XbyZ XoÊ`mMo AmH$ma, {ddaUmMr/MmO©

ñbrnMr Z¸$b àV, amoI aH$_oÀ`m AJ«r_mgmR>r ì`dhmaewëH$, naV Amboë`m no_|Q>gmR>rMo X§S>mË_H$ AmH$ma Am{U VemM àH$maMo IM©,
H$a Am{U Oa H$m`Xoera H$madmB© gwê$ Ho$br, Va H$m`Xoera IM© Am{U _wÔb a¸$_ d Ë`mdarb ì`mO `m§Mm g_mdoe Agob nU
VodT>çmnwaVoM _`m©{XV ZgVrb Ago IM© âÊ`mMo _mÝ` H$aVmo.
(xiii) ~±H$ ñdV:À`m {ddoH$m{YH$mamV gd© nmoñQ>-S>oQ>oS> MoŠg ZmH$mê$ eH$Vo.
(xiv) no_|Q>gmR>r {Xboë`m MoH$/S´>mâQ>da 16 A§H$s H«o${S>Q> H$mS>© H«$_m§H$mMm MwH$sMm C„oI Ho$bm åhUyZ Xo` AgUmao H$moUVohr AmH$ma
âÊ`mgmR>r H$mS>©YmaH$ O~m~Xma Amho.
16. H$mS>©YmaH$mMm _¥Ë`y qH$dm H$m`_ñdê$nr An§JËd
`mV Oo H$mhr åhQ>bo Jobo Amho, Ë`mbm ~mYm Z AmUVm, H$mS>©YmaH$mMm _¥Ë`y Pmbm qH$dm Ë`mbm H$m`_ñdê$nr An§JËd Ambo, Va
H$mS>©darb òUo ~mH$s aH$_ogh H$mS>©ImË`mdarb òUo ~mH$s Agbobr H$moUVrhr WH$sV a¸$_ H$moUË`mhr {d_mg§ajUmVyZ qH$dm
H$mS>©YmaH$mÀ`m dmagm§H$Sy>Z/EpŠPŠ`wQ>g©H$Sy>Z/A°S>{_{ZñQ´>oQ>g©H$Sy>Z dgyZ H$aÊ`mgmR>r H$m`ÚmÀ`m Am{U B{¹$Q>rÀ`m A§VJ©V CnbãY
Agboë`m gd© _mJmªMm Adb§~ H$aÊ`mMm h¸$ ~±H$ ñdV:H$S>o amIyZ R>do rV Amho.
17. Hw$MamB©Mo àg§J
17.1 Imbr C„oI Ho$boë`m H$moUVmhr àg§J KS>ë`mg (`mV Á`m§Mm C„oI ""Hw$MamB©Mo àg§J'' Agm Ho$bm Jobm Amho) Vo Hw$MamB©Mo àg§J
g_Obo OmVrb Am{U Hw$MamB©À`m àg§Jm§gmR>r nmÌ hmoVrb:
(i) ~±Ho$bm Xo` Agbobr H$moUVrhr a¸$_ Xo` VmaIog âUm H$aÊ`mg H$mS>©YmaH$ Ag_W© R>abm;
(ii) H$mS>©YmaH$mH$Sy>Z øm {Z`_ d AQ>tÀ`m A§VJ©V H$moUVohr H$m°ìhoZ§Q²>g, AQ>r qH$dm H$ama `m§Mo nmbZ H$aÊ`mV Hw$MamB© Pmë`mg;
(iii) MoŠg Am{U/qH$dm ñQ>±qS>J BÝñQ´>ŠeÝg `m§gh ~±Ho$bm {Xboë`m H$moUVohr BÝñQ´>_w |Q> gmXa Ho$ë`mZ§Va H$moUË`mhr H$maUmñVd _mÝ` Pmbo
ZmhrV ({S>gAm°Za) qH$dm Ë`mÀ`m Xo` VmaIog âUm Ho$bm Zmhr qH$dm amoIrH$aU/H¥$Vr Ho$br Zmhr;
(iv) H$mS>©YmaH$mH$Sy>Z Ho$bo Jobobo qH$dm ~±Ho$bm H$mS>©À`m AOm©_Üò {Xbobo qH$dm AÝ`Wm H$moUVohr {ZdoXZ Oa MwH$sMo, {Xem^yb H$aUmao,
ImoQ>o, b~mS>rMo qH$dm AnyU© Amho Ago {gÕ Pmbo, Á`mV ~±Ho$bm {Xbobo CËnÞmÀ`m Am{U/qH$dm AmoiImgmR>rMo H$mJXnÌ/XñVEodO
`m§Mmhr g_mdoe Amho, nU Vo VoT>çmnwaVoM _`m©{XV Zmhr;
(v) H$mS>©YmaH$mMm _¥Ë`y Pmë`mg qH$dm g§nyU© Am{U/qH$dm H$m`_ñdê$nr An§JËd.
(vi) H$mS>©YmaH$mZo {XdmiImoarMr H¥$Ëò Ho$ë`mg qH$dm ñdV:bm {XdmiImoa åhUyZ Kmo{fV H$adyZ KoÊ`mg AO© Ho$ë`mg qH$dm H$mS>©YmaH$mbm
{XdmiImoa åhUyZ Kmo{fV H$aUmam AmXoe nm[aV H$aÊ`mV Amë`mg;
(vii) H$mS>©YmaH$mÀ`m Am{W©H$ pñWVr_Üò H$moUVmhr _moR>m {dnarV ~Xb Pmë`mg qH$dm BVa H$moUVrhr Aer pñWVr Or ~±Ho$À`m EH$_od
_VmZwgma ~±Ho$À`m {hVmg ~mYm AmUUmar Agob;
(viii) H$mS>©YmaH$ Oa H$moUË`mhr {XdmUr IQ>ë`mV qH$dm \$m¡OXmar JwÝømV gm_rb Agob qH$dm H$mS>©YmaH$m{déÕ H$moUË`mhr àm{YH$aUmZo,
Ý`m`mb`mZo qH$dm ì`mdgm{`H$m§À`m g§ñWoZo H$moUË`mhr J¡adV©UwH$sgmR>r qH$dm H$moUË`mhr H$m`XÀ`mXo qH$dm {Z`_mdbrMo qH$dm
AmMmag§{hVm, BË`mXtMo C„§KZ Ho$ë`m_wio H$mS>©YmaH$m{déÕ H$madmB© Ho$ë`mg;
(ix) ~±Ho$Zo, {dÎmr` g§ñWm§Zr qH$dm BVa ì`º$s¨Zr H$mS>©YmaH$mbm nwa{dboë`m BVa H$moUË`mhr H$OmªÀ`m/gw{dYm§À`m ~m~VrVrb H$moUË`mhr
AQ>r, H$ama, {Z`_ Am{U O~m~Xmè`m nma nmS>Ê`mV Hw$MamB© Ho$ë`mg;
(x) H$mS>©YmaH$ Oa ~±Ho$bm Amdí`H$ Agbobr H$moUVrhr _m{hVr qH$dm H$mJXnÌo XoD$ eH$bm Zmhr qH$dm H$moUË`mhr Q>ßß`mda ~±Ho$À`m
Ho$dm`gr _mnX§S>m§Mo AZwnmbZ H$ê$ eH$bm Zmhr.
17.2 `m {Z`_ d AQ>tÀ`m A§VJ©V ~±Ho$Mo Oo BVa A{YH$ma AmhoV, Ë`m§Zm ~mYm Z òD$ XoVm, Hw$MamB©Mo àg§J KS>ë`mg H$mS>Y© maH$mbm
doimodoir ~±Ho$À`m à{V{ZYtH$Sy>Z ñ_aUnÌo nmR>dbr OmVrb, Á`mV H$mS>©ImË`mdarb H$moUVrhr WH$sV a¸$_ dgybZ H$aÊ`mgmR>r qH$dm
IË`mda/H$mS>©YmaH$mda Cnm``moOZmË_H$ H¥$Vr H$aÊ`mgmR>r ôQ> XoD$Z (~±Ho$À`m/~±Ho$Zo {Z`wº$ Ho$boë`m V¥Vr` njm§À`m à{V{ZYtZr),
Q>nmbmÛmao, \°$Šg Am{U XÿaÜdZr, BboŠQ´>m°{ZH$ _ob, EgE_Eg _ogoqOJ Am{U/qH$dm Ë`m§À`m à{V{ZYtZm AmR>dU H$ê$Z XoÊ`mgmR>r,
nmR>nwamdm H$aÊ`mgmR>r Am{U Xo` a¸$_ Jmoim H$aÊ`mgmR>r H$m_mg bmdUo `m§gh ~±Ho$Zo {Z`wº$ Ho$boë`m V¥Vr` njm§Mm g_mdoe Amho.
~±H$ Am{U Aem àH$mao {Z`wº$ Ho$bobm Agm H$moUVmhr V¥Vr` nj, Xo` a¸$_ Jmoim H$aÊ`mgmR>r doimodoir gwYm[aV H$aÊ`mV Amboë`m
~±Ho$À`m AmXe© AmMmag§{hVoMo nmbZ H$arb.
17.3 Oa H$mS>©YmaH$mZo H$moUVrhr Hw$MamB©Mr H¥$Vr Ho$br, Va `mV qH$dm ~±H$ Am{U H$mS>©YmaH$ `m§À`m_Üò g_PmoË`mgmR>rÀ`m BVa
H$moUË`mhr H$amamV/XñVEodOmV Ë`m{damoYmV H$mhrhr åhQ>bobo Agbo Var, ~±H$ {VÀ`m {ddoH$m{YH$mamV Imbrb Jmoï>tgmR>r h¸$Xma
Agob:
(i) H$mS>©YmaH$mbm XoÊ`mV Amboë`m H$mS>©darb gd© gw{dYm VmËnwaË`m qH$dm H$m`_ñdê$nr _mJo KoUo, Á`mZ§Va hm H$ama Ë`mZ§Va g§nwï>mV
Ambm Ago J¥hrV YaÊ`mV òB©b.
(ii) Ë`mZ§Va nwT>o øm {Z`_ d AQ>tÀ`m A§VJ©V Am{U/qH$dm ~±H$ Am{U H$mS>©YmaH$ `m§À`m_Yrb H$ama, XñVEodO qH$dm BÝñQ®>_|Q²>g A§VJ©V
~±Ho$bm Xo` Agbobr H$mS>©darb gd© òUo ~mH$s Agbobr a¸$_ {VÀ`mdarb ì`mOmgh/AmH$mam§gh Am{U ewëH$m§gh âÊ`mgmR>r
H$mS>©YmaH$mbm gm§JÊ`mV òB©b.
(iii) ~±H$ {VMm YmaUm{YH$mamMm (brZ) h¸$ ~Omdrb Am{U Vr a¸$_ ~±Ho$V H$mS>©YmaH$mÀ`m Zmdo òUo ~mH$s Agbobo H$moUVohr
n¡go/R>odr/ImVr `m§À`mgmR>r {d{Z`moJ H$arb qH$dm n¡em§Mm Cn`moJ H$m`ÚmZwgma H$arb.
(iv) H$moUË`mhr YmaUm{YH$mamÀ`m/{d{Z`moJmÀ`mgmR>r ~±Ho$bm H$mS>©YmaH$mH$Sy>Z òUo ~m~r Agbobr a¸$_ ~±Ho$bm `mo½` dmQ>ob Aem
H$m`XoeranUo dgyb H$arb.
17.4 H$mS>©YmaH$mZo {ZXmZ {H$_mZ Xo` a¸$_ âbr Zmhr, Va Ë`mg§~§YrMr _m{hVr ^maVr` [aPìh© ~±Ho$Zo (Ama~rAm`) A{YH¥$V Ho$boë`m
H«o${S>Q> ã`wamoO²Zm _m{gH$ gmXarH$aUmV H$i{dbr OmB©b. H$mS>Y© maH$m§Zm Ë`m§Mr Xo` a¸$_ Ë`mZ§VaÀ`m {ddaUmV XoÊ`mMr AmR>dU H$ê$Z
XoÊ`mV òB©b. 6 _{hÝ`m§nojm OmñV H$mbmdYrgmR>r WH$sV {e„H$ a¸$_ Agë`mg H$mS>©YmaH$ "{db\y$b {S>\$m°ëQ>a' Amho Ago
H$i{dÊ`mV òB©b. ho {ddaU åhUOo H$mS>©YmaH$mMo ho ñQ>oQ>g _m{hVr XoÊ`mg§~§YrMr gyMZm Amho Ago _mZÊ`mV òB©b. Oa Amdí`H$ Vo
no_|Q> H$aÊ`mV Ambo, Va H$mS>©YmaH$mMo aoH$m°S>©, H«o${S>Q> ã`wamobm nwT>rb AnS>oQ>_Üò "H$a§Q>' åhUyZ H$i{dÊ`mV òB©b.
17.5 ~±Ho$bm nwT>rb n[apñWVrV H$moUVmhr {S>\$m°ëQ> [anmoQ>© _mJo KoÊ`mMm h¸$ Agob:
(i) g§~§{YV Hw$MamB© H$aUmè`mZo ({S>\$m°ëQ>a) Ë`mMr g§nyU© WH$sV a¸$_ ~±Ho$H$S>o âUm Ho$br qH$dm ~±Ho$bm òUo Agbobr a¸$_ âbr.
(ii) ~±Ho$Zo qH$dm ~±Ho$À`m {damoYmV XmIb Ho$boë`m H$m`Xoera àH$aUmVrb {ZH$mbmV H$mS>©YmaH$mMo Zmd Aem `mXrVyZ H$mTy>Z Q>mH$Ê`mMo
AmXoe XoÊ`mV Ambo. d¡`{º$H$ nwZamdbmoH$Z Ho$ë`mZ§Va àËòH$ àH$aUmZwgma {ZU©` KoVbo OmVrb.
(iii) da C„oI Ho$boë`m n[apñWVrV H$mS>©YmaH$mMo aoH$m°S>© nwT>rb _m{gH$ [a\«o$e_Üò H«o${S>Q> ã`wamoO²H$S>o "H$a§Q>' åhUyZ AnS>oQ> Ho$bo OmB©b.
17.6 Hw$MamB© Pmë`mg ~±H$ øm H$amam§VJ©VÀ`m {VÀ`m H$moUË`mhr {d{eï> h¸$m§g ~mYm Z òD$ XoVm, H$mS>©YmaH$mbm nyd©gyMZm XoD$Z
H$moUË`mhr doir H$mS>©YmaH$mMr gd© qH$dm H$moUVrhr ImVr EH${ÌV H$ê$Z Aem EH$m qH$dm A{YH$ ImË`m§_Üò {e„H$ Agbobr
H$moUVrhr a¸$_ qH$dm aH$_m ânmB© H$ê$Z KoB©b qH$dm hñVm§V[aV H$arb qH$dm ~±Ho$Zo BVa ~m~tgmR>r YmaU Ho$boë`m _mb_Îmoda
YmaUm{YH$ma/~±H$g© brZ ~Omdrb, _J Aer Xm{`Ëdo dmñV{dH$ AgmoV dm AmH$pñ_H$, àm`_ar, H$mob°Q>ab Am{U doJdoJir [H$dm
g§`wº$ AgmoV.
17.7 H$mS>©YmaH$ ho ñnï>nUo H$~yb H$aVmo Am{U ñdrH$ma H$aVmo H$s, H$mS>©YmaH$mH$S>o Oa XmoZ qH$dm Ë`mnojm A{YH$ H$moQ>H$ H«o${S>Q> H$mS>©²g
AgVrb, Am{U Oa Ë`mn¡H$s EH$m H$mS>©À`m ~m~VrV Hw$MamB© Pmbr, Va H$mS>©YmaH$mbm Ë`mÀ`m BVa gd© H$moQ>H$ H«o${S>Q> H$mS>©²gda
CnbãY H$ê$Z XoÊ`mV Ambobr nV_`m©Xm ãbm°H$ H$aÊ`mMm VgoM Aem gd© H$mS>©²gda CnbãY H$ê$Z XoÊ`mV Ambobo gd© {deof
A{YH$ma/\$m`Xo _mJo KoÊ`mMm ~±Ho$bm A{YH$ma Amho.
18. AmH$ma Am{U ewëH$
18.1 gm_rb hmoÊ`mgmR>rMo ewëH$, dm{f©H$ ewëH$ Am{U ZyVZrH$aU ewëH$, ~±Ho$bm Xe©{dbo/H$i{dbo Jobo Zmhr, Va àm`_ar H$mS>©YmaH$
Am{U A°S>-Am°Z H$mS>©YmaH$ øm Xmohm|gmR>r bmJy AgVrb. àËòH$ H$mS>©YmaH$mgmR>r Agbobo ewëH$ Am{U AmH$ma doJdoJio Agy eH$VmV.
18.2 H$mS>©YmaH$mbm H$mS>© qH$dm {nZ XoÊ`m~Ôb, nwÝhm XoÊ`m~Ôb Am{U H$moUVohr A°S>-Am°Z H$mS>© XoÊ`m~Ôb, doimodoir A{Ygy{MV
Ho$ë`mZwgma AmH$ma bmdÊ`mMm Am{U/qH$dm H$mS>©da Ho$boë`m H$moUË`mhr ì`dhmam§gmR>r H$moUVmhr ewëH$/AmH$ma KoÊ`mMm A{YH$ma
~±H$ amIyZ R>odrV Amho. bmJy Agbobo ewëH$ Am{U AmH$ma `m§Mo Vnerb ~±Ho$H$Sy>Z àmá Ho$bo OmD$ eH$Vrb Am{U Vo doimodoir ~Xby
eH$VmV.
18.3 ~±Ho$À`m {ddoH$m{YH$mamÀ`m AYrZ amhÿZ, Vw_À`m H$mS>©darb no_|Q>Mr Xo` VmarI {ddaUmÀ`m VmaIoZ§Va 18 Vo 21 {Xdgm§Z§VaMr
Agob (Vw_À`m no_|Q>À`m Zo_Š`m VmaIogmR>r H¥$n`m Vw_Mo {ddaU VnmgyZ nhm). åhUyZ H«o${S>Q>gmR>rMm _mo \$V H$mbmdYr Vw_À`m
no_|Q>À`m Xo` VmaIoZwgma 18-48 {Xdg Vo 21-51 {Xdg Agm Agy eH$Vmo. H$mS>©YmaH$mbm nyd©gyMZm XoD$Z H$moUË`mhr doir
gdbVrMm H$mbmdYr ~XbÊ`mMm A{YH$ma ~±Ho$bm Amho.
18.4 H$mS>©YmaH$ ho _mÝ` H$aVmo H$s, H$mS>©YmaH$mZo Oa AmYrÀ`m _{hÝ`mMr {e„H$ a¸$_ nyUV© : âbr Zmhr, Va gXaMm ì`mO_wº$
nVH$mbmdYr bmJy hmoUma Zmhr. Aem àH$maMo H$moUVohr ewëH$ Am{U/qH$dm AmH$ma ho ewëH$ qH$dm AmH$ma bmJy Pmë`mZ§Va/{~b
Ho$ë`mZ§Va H$mS>©YmaH$mÀ`m ImË`mVyZ AmnmoAmn dOm Ho$bo OmVrb.
18.5 H$mS>©YmaH$mbm Agm g„m XoÊ`mV `mdm H$s, H$mhr EQ>rE_Mo _mbH$ qH$dm eoAS>© ZoQ>dŠg©Mo Am°naoQ>g© àËòH$ doir EQ>rE_/BVa
{S>ìhmB©gMm dmna Ho$ë`mg A{V[aº$ AmH$ma bmdy eH$VmV Am{U Aem àH$maMm H$moUVmhr AmH$ma d Ë`mgmo~VMo bmJy Agbobo
ewëH$/AmH$ma H$mS>©ImË`mVyZ dOm Ho$bo OmVrb.
18.6 ^maV gaH$maÀ`m {Z`_mdbrZwgma bmJy Agbobo gd© ewëH$, ì`mO Am{U BVa AmH$ma `m§da ^maV gaH$maZo doimodoir {ZpíMV Ho$bobo
gd© godmH$a, OrEgQ>r H$moUVohr/gd© bmJy Agboo H$a Á`mV gogMmhr g_mdoe Agob, Vo bmJy AgVrb. H$mS>©YmaH$ Ë`mgmR>r n¡go
âÊ`mg ~m§Yrb Agob. Agm godmH$a bmdÊ`mV H|$Ð gaH$maZo doimodoir A{Ygy{MV Ho$ë`mZwgma ~Xb hmoD$ eH$VmV. gaH$maZo
doimodoir Kmo{fV H$ê$ eHo$b Ago bmJy Agbobo BVa H$a âÊ`mMo H$mS>©YmaH$ _mÝ` H$aVmo.
18.7 H$mS>©YmaH$ ~±Ho$bm Ë`mÀ`m H$mS>©À`m g§~§YmV Oo n¡go XoUo bmJVmo Vo Jmoim H$aÊ`mgmR>r Oo H$moUVo CËnmXZIM© AmH$ma Am{U/qH$dm
IM© H$arb Vo Ë`mÀ`m H$mS>©ImË`mVyZ dOm H$aÊ`mMo A{YH$ma XoVmo Am{U Ë`m{df`r h_r XoVmo (Á`mV H$m`ÚmZo _mÝ` Agboë`m
d{H$bmbm {Xboë`m `mo½` Ë`m \$sMm g_mdoe Amho, nU Vo VodT>çmnwaVoM _`m©{XV Zmhr).
18.8 {d{eï> H$mS>©YmaH$m§gmR>r qH$dm {d{eï> H$mbmdYrgmR>r gd© qH$dm H$mhr ewëH$/AmH$ma ~±H$ R>ady eH$Vo. H$mS>©YmaH$ _mÝ` H$aVmo H$s,
`m_wio H$mS>©YmaH$mbm H$moUVohr ewëH$/AmH$ma gmoSy>Z XoÊ`mMm J{^©V h¸$ XoV Zmhr Am{U Aem àH$maMr gyQ> ~±Ho$À`m EH$_od
{ddoH$m{YH$mamV {Xbr OmB©b.
18.9 H$mS>©Mm Cn`moH$ H$ê$Z Ho$boë`m ì`dhmamgmR>r H$mS>©YmaH$ VmËH$mi n¡go âÊ`mgmR>r CÎmaXm`r ~Zob, ømMm {dMma Z H$aVm, Oa
H$mhr òUo ~mH$s a¸$_ Agob ({~b Ho$bobr Agmo dm Zgmo; {H$_mZ Xo` aH$_onojm OmñV qH$dm H$_r) Am{U Vr no_|Q>À`m Xo` VmaIog
âbobr Zgob, Va Aem WH$sV aH$_oda {db§~ewëH$mgh (bmJy Agë`mg) ì`mO âmdo bmJob. bmJy Ho$bobm ì`mOmMm AmH$ma hm
H$mS>©À`m àH$mamZwgma qH$dm H$mS>©YmaH$mZwgma {d{eï> Agy eH$Vmo Am{U Vmo dmna Am{U no_|Q>Mm n°Q>Z© `mda AmYm[aV Agy eH$Vmo.
bmJy Agbobm ì`mOmMm AmH$ma ~±H$ H$mS>©YmaH$mbm EH$Va AmH$mam§À`m gyMrV, _m{gH$ {ddaUmV, B©_ob Zmo{Q>{\$Ho$eZ_YyZ qH$dm
nÌì`dhmamÀ`m nÎ`mda nÌ nmR>dyZ qH$dm ~±Ho$bm `mo½` dmQ>ob Aem à_moeZb gm{hË`mVyZ CKS> H$ê$Z gm§Job. na§Vw hm ì`mOmMm
AmH$ma gyMZm Z XoVm ~Xby eH$Vmo Am{U ~±Ho$bm doimodoir `mo½` dmQ>ob Ë`mZwgma, Imbrbn¡H$s H$moUË`mhr àg§JmVy Z Ago Xa bmJy
H$arb:
18.10 H$mS>©YmaH$mZo Oa eodQ>À`m EHy$U {e„H$ aH$_onojm (ŠbmoqOJ ~°bÝg) H$_r no_|Q> Ho$bo, Va {~qbJÀ`m VmaIonmgyZ òUo ~mH$s
Agboë`m g§nyU© aH$_oda ì`mO bmJob. {~qbJ VmaIoÀ`m Z§Va Ho$boë`m nU {ddaUmV g_m{dï> Z Ho$boë`m gd© ì`dhmamdahr Ago
ì`dhma Ho$ë`mÀ`m VmaIonmgyZ ì`mO bmJob. Z âboë`m aH$_odarb ì`mOmMm hm AmH$ma ("EHy$U Xo` a¸$_' Am{U âbobr a¸$_
`m§_Yrb \$aH$) g§nyU© a¸$_ ârn`ªV MmbyM amhrb.
18.11 "{H$_mZ Xo` aH$_on¡H$s' Oa H$mhr a¸$_ âbr Jobr Zmhr, Va Vr nwT>o Zobr OmD$Z nwT>rb _m{gH$ {ddaUmV "{H$_mZ Xo` aH$_oV'
OmoS>br OmB©b Am{U da dU©Z Ho$ë`mà_mUo Ë`mda ì`mO bmJob.
18.12 Oa "no_|Q>À`m Xo` VmaIondy u'"{H$_mZ Xo` a¸$_' qH$dm {VMm H$mhr ^mJ âbm Jobm Zmhr, Va bmJy Agë`mZwgma {db§~ AmH$ma
bmdbm OmB©b. hm {db§~ AmH$ma AmH$am§À`m gyMr_Üò XoÊ`mV Ambobm Amho Am{U Vmo ~Xby eH$Vmo. H$moUVrhr {H$_mZ Xo` a¸$_
qH$dm {VMm H$mhr {hñgm Oa âbm Jobm, Va {VMo no_|Q> ~±Ho$bm àmá Pmë`mÀ`m VmaIoZ§Va Ë`mda ì`mO bmdbo OmUma Zmhr.
18.13 H$mS>©Mm Cn`moJ H$ê$Z Ho$boë`m gd© ì`dhmam§da ì`dhmaewëH$ Am{U ì`mOmMm AmH$ma (bmJy Agë`mg) ~±Ho$Zo doimodoir R>adë`mZwgma
bmJob.
18.14 naH$s` MbZmVrb gd© ì`dhmam§gmR>rMo {d{Z_` Xa ~±Ho$Ûmao R>adbo OmVrb Am{U Vo H$mS>©YmaH$mda ~§YZH$maH$ Agob.
18.15 Oa òUo ~mH$s Agbobr EHy$U a¸$_ hr nV_`m©Xonojm A{YH$ Agob, Va nV_`m©Xonojm A{YH$ Pmboë`m aH$_oda A{V[aº$ AmH$ma
bmdbm OmB©b. hm AmH$ma AmH$mam§À`m gyMrV {Xbobm Amho Am{U Vmo H$moUVrhr gyMZm Z XoVm bmdbm OmB©b Am{U Vmo ~±H$ doimodoir
R>adrb Ë`m Xam§Zr AmH$mabm OmB©b.
18.16 AmH$ma Am{U ewëH$ doimodoir bmJy hmoVrb Ë`mZwgma H$mS>©YmaH$mZo Ë`mÀ`m H$mS>©ImË`mÀ`m ~m~VrV ~±Ho$Zo H$mS>©YmaH$mbm nwa{dboë`m
godm§À`m ~m~VrV Ho$boë`m Hw$MamB©~Ôb Ë`mZo âmd`mMo AgVmV.
18.17 Á`m _MªQ> EñQ>©pãbe_|Q²>Mo dJuH$aU pìhOmZo "â`wAb' Am{U "aoëdo' _MªQ> H°$Q>oJar H$moS> (E_grgr) A§VJ©V Ho$bobo Agob, \$º$
Ë`m§À`mgmo~V Ho$boë`m ì`dhmam§daM B§YZ Am{U aoëdo A{Y^mamV H$mS>©YmaH$m§Zm gyQ> (doìha) {Xbr OmB©b. `mV noQ´>mob n§n, aoëdo
{VH$sQ> {IS>Š`m Am{U ^maVr` aoëdoÀ`m A{YH¥$V {VH$sQ> ~wqH$J g§Ho$VñWi `m§Mm g_mdoe hmoVmo. gyQ> {_iÊ`mgmR>r nmÌ Agboë`m
ì`dhmamÀ`m H$_mb Am{U {H$_mZ aH$_ogmR>r VgoM OmñVrVOmñV {H$Vr aH$_ogmR>r gyQ> {_idVm òVo ho nmhÊ`mgmR>r Q>°[a\$ AZoŠñMa
nhm. ì`dhma H$ê$Z Pmë`mZ§Va H$mS>©YmaH$mÀ`m H$mS>©ImË`mV A{Y^mamVrb gyQ> {XgyZ òB©b. H$mS>©YmaH$mbm ì`dhmamMr g§nUy © a¸$_
{~b H$aÊ`mV òB©b Am{U A{Y^mamVrb gyQ> H«o${S>Q> E§Q´>r åhUyZ {XgyZ òB©b. Oa EImÚm _MªQ> EñQ>°pãbe_|Q>Zo pìhOmZo ì`m»`m
Ho$ë`mZwgma AMyH$ E_grgr A§VJ©V {VMo E_Am`S>r (_MªQ> Am`S>r) _°n Ho$bobo Zgob, Va H$mS>©YmaH$ A{Y^mamV H$moUVrhr gyQ>
{_iÊ`mg nmÌ Zgob. B§YZmdar A{Y^mamVrb gyQ> ho d¡{eîQ>ç A~}Z, Q´>§n/\$sñQ>, nrìhrAma JmoëS> Am{U nrìhrAma
ßb°{Q>Z_/BgopÝe`m ßb°{Q>Z_ H«o${S>Q> H$mS>©²gda CnbãY Zmhr. aoëdo A{Y^mamVrb gyQ> ho d¡{eîQ>ç A~}Z, \$m°À`w©Z, \$sñQ>/Q´>§n
nrìhrAma JmoëS> Am{U nrìhrAma ßb°{Q>Z_/BgopÝe`m ßb°{Q>Z_ Am{U {gëH$ BÝñnmà ßb°{Q>Z_ H«o${S>Q> H$mS>©²gda CnbãY Zmhr.
18.18 Oa aoëdo {VH$sQ> aÔ Ho$bo Jobo, Va gyQ> {Xbobr A{Y^mamMr a¸$_ naV KoVbr OmB©b Am{U Vr H$mS>©YmaH$mÀ`m H$mS>©ImË`mVyZ dOm
Ho$br OmB©b.
18.19 Vwåhr Oa Xo` VmaIonydu AmYrÀ`m {~bmMr nyU© a¸$_ âbr Zmhr, Va Vwåhmbm S>obr A°H«w$Ab ~o{ggda ì`mO AmH$mabo OmB©b;
ì`dhmamÀ`m VmaIonmgyZ Vo a¸$_ nyU© âë`mÀ`m VmaIon`ªV ì`mO AmH$mabo OmB©b. Vw_Mm IM©, no~°H$ Am{U dmna H$aÊ`mMm n°Q>Z©
`m§Zgw ma ì`mOmMo Xa Xa_hm 3.5% (dm{f©H$ 42.0%) n`ªV ~Xby/dmTy> eH$VmV. nyU© a¸$_ Oa Xo` VmaIoÀ`m Z§Va nU nwT>rb
_{hÝ`mÀ`m {ddUmÀ`m AmYr àmá Pmbr Varhr ì`mO AmH$mabo OmB©b. Vwåhr Oa H$mhr A§er no_|Q> H$arV AmbmV nU Vwåhr Mmby
{ddaUmVrb ~mH$s a¸$_, no_|Q>À`m Xo` VmaIog qH$dm Ë`mAmYr âbr, Va Mmby {ddaUmVrb EHy$U òUo aH$_oda nyU© no_|Q> H$arn`ªV
ì`mO AmH$mabo OmB©b. Aem àH$mao AmH$maÊ`mV Ambobo ì`mO Ë`mZ§VaÀ`m {ddaUmV à{Vq~{~V hmoB©b, CXmhUmW©, 20 OyZ amoOrÀ`m
{ddaUmVrb {e„H$ a¸$_ `5000 Amho. no_|Q>Mr Xo` VmarI 8 Owb¡ Amho. `5000 Mo no_|Q> 1 Owb¡ amoOr Ho$bo. `5000 À`m da 10
{Xdgm§Mo ì`mO 20 Owb¡À`m {ddaUmV {~b Ho$bo OmB©b.
18.20 gd© amoI aH$_oMo AJ«r_/n¡go H$mT>Uo `m§dahr ì`dhmamÀ`m VmaIonmgyZ Vo a¸$_ ârn`ªV (goQ>b_|Q>) bmJy Agboë`m ì`mOXamZo ì`mO
AmH$mabo OmB©b.
18.21 H$moQ>H$ \$m°À`w©Z Am{U H$moQ>H$ 811# S´>r_ {S>\$a§Q> H«o${S>Q> H$mS>©YmaH$m§Zm gd© amoI aH$_oÀ`m AJ«r_m§da ì`mO_wº$ H$mbmdYrMm bm^
{_iob. hm ì`mO_wº$ H$bmdYr Aem àH$mao amoI a¸$_ H$mT>ë`mnmgyZ gwê$ hmoD$Z Ë`m {d{eï> {~qbJ gm`H$bÀ`m no_|Q>À`m Xo`
VmaIog g§nVmo. Ë`m {d{eï> {~qbJ gm`H$bÀ`m no_|Q>À`m Xo` VmaIoZ§Va Oa {e„H$ a¸$_ òUo ~mH$s Agob, Va bmJy Agboë`m
XamZwgma ì`mO AmH$mabo OmB©b Am{U ho ì`mO ì`dhmamÀ`m VmaIonmgyZ AmH$mabo OmB©b.
19. eoS>çyb Am°\$ MmO}g/AmH$mam§Mr gyMr
19.1 H$mS>©YmaH$mbm bmJy Agbobo Am{U Ë`mZo Xo` Agbobr gd© ewëH$ Am{U AmH$ma ho H$mS>©YmaH$mbm ñdV§ÌnUo XoÊ`mV Amboë`m Am{U
Ë`m{edm` ~±Ho$À`m g§Ho$VñWimda àX{e©V H$aÊ`mV Amboë`m gdm©V _hÎdmMo {Z`_ d AQ>r (E_Am`Q>rgr) A§VJ©V Agboë`m
AmH$mam§À`m gyMrV XoÊ`mV Ambobo AmhoV.
19.2 AmH$mam§À`m gyMrV Z_yX H$aÊ`mV Ambobo gd© ewëH$ Am{U AmH$ma `m§_Üò ~±Ho$Zo R>amdrH$ H$mbmdYrZ§Va Ho$boë`m nwZamdbmoH$ZmÀ`m
AmYmao ~Xb hmoD$ eH$VmV. ewëH$ Am{U AmH$mam§_Üò H$mhr ~Xb Pmë`mg Ë`m{df`r H$mS>©YmaH$mbm doimodoir H$i{dÊ`mV òB©b.
~±Ho$bm `mo½` dmQ>ob Ë`mZwgma, H$mS>©YmaH$mbm `mo½` Vr gyMZm XoD$Z H$moUVohr ZdrZ ewëH$ qH$dm AmH$ma gwê$ H$aÊ`mMm A{YH$ma ~± H$
ñdV:H$S>o amIyZ R>do rV Amho.
20. pìhOmH$Sy>Z AmUr~mUrÀ`m àg§JrÀ`m godm
H$moQ>H$ _qhÐm ~±H$ pìhOm H$mS>©²ggmR>rÀ`m AmUr~mUrÀ`m àg§JrÀ`m godm§gmR>r nÌì`dhma Am{U ì`dñWm V¥Vr` njr`
godmnwadR>mXmamH$Sy>Z nwa{dë`m OmVmV Am{U Ë`mgmR>r pìhOm B§Q>aZ°eZbH$Sy>Z n¡go {Xboo OmVmV. dmnaboë`m H$moUË`mhr d¡ÚH$s`,
H$m`Xoera qH$dm BVa godm§gmR>rÀ`m IMm©gmR>r H$mS>©YmaH$ O~m~Xma Agob. gdm}Îm_ à`ËZ H$ê$Z _XV Ho$br OmVo Am{U Ë`mË`m
doioÀ`m g_ñ`m, A§Va qH$dm {R>H$mUo `m_wio Vr CnbãY Zgy eH$Vo. pìhOm V¥Vr` njr` godm nwa{dUmè`m§Zr gwM{dbobo Am{U/qH$dm
R>adyZ {Xbobo d¡ÚH$s` Am{U/qH$dm H$m`ÚmÀ`m joÌmVrb ì`mdgm{`H$ ho pìhOm V¥Vr` nj godm nwa{dUmè`m§Mo H$_©Mmar ZgVmV
qH$dm pìhOmMo H$_©Mmar qH$dm R>oHo$Xma ZgVmV, åhUyZ Vo H$moUË`mhr d¡ÚH$s`, H$m`Xoera qH$dm dmhVyH$ godm§Mm Cn`moJ, H¥$Vr, H¥$ Vr
Z H$aUo qH$dm n[aUm_ `mgmR>r Vo O~m~Xma ZgVrb. ~±H$ qH$dm ~±Ho$Mr OJâmVrb H$moUVrhr emIm Aem àH$maÀ`m godm§Mr
O~m~Xmar qH$dm ì`dñWm H$aÊ`mMr O~m~Xmar KoV ZmhrV.
21. V¥Vr` njr`m§Mr d¡{eîQ>ço Am{U Ë`m§À`m godm
21.1 H$mS>©YmaH$mbm H$mS>©gmo~V nwa{dÊ`mV Amboë`m H$moUË`mhr qH$dm gd© d¡{eîQ>çm§_Üò â KmbÊ`mMm/Vr H$mTy>Z Q>mH$Ê`mMm/Ë`m§_Üò
gwYmaUm H$aÊ`mMm A{YH$ma ~±H$ ñdV:H$S>o amIyZ R>odrV Amho. ~±H$ H$mS>©er OmoS>boë`m à_moeZb d¡{eîQ>çm§_Üò â KmbÊ`mMm/V`ma
H$aÊ`mMm à`ËZ H$arb. na§Vw ho \$º$ gdm}Îm_ à`ËZ H$ê$Z H$aÊ`mMm à`ËZ Ho$bm OmB©b Am{U øm à_moeZb d¡{eîQ>çm§nmgyZ
CØdUmam H$moUVmhr dmX åhUOo ~±Ho$Mr O~m~Xmar g_Obm OmUma Zmhr.
21.2 IaoXr Ho$boë`m dñVy/àmá Ho$boë`m godm `m§gmR>r H$mS>©YmaH$mbm {S>ñH$mD§$Q> XoÊ`mgmR>r ~±H$ H$mhr _MªQ²>ggmo~V ì`dñWm H$ê$ eHo $b.
na§Vw Aem _MªQ²>ggmo~V H$mS>©YmaH$mÀ`m CØdUmè`m dmXmgmR>r ~±Ho$bm O~m~Xma qH$dm CÎmaXm`r YaVm òUma Zmhr.
21.3 H$mS>©YmaH$mbm gdbVrÀ`m XamV godm CnbãY H$ê$Z XoÊ`mgmR>r ~±H$ V¥Vr` njr` godm nwa{dUmè`m§gmR>r g_PmoVm (Q>m`-An) H$ê$
eHo$b. ~±H$ Ë`m§À`m godoÀ`m XOm©{df`r A{O~mV g_W©Z H$arV Zmhr Am{U Oa Aer godm Xmof`wº$ qH$dm Ag_mYmZH$maH$ Agob,
Va Ë`mgmR>r ~±H$ O~m~Xma Zgob.
21.4 H$mS>©YmaH$mZo Aem V¥Vr` njm§H$Sy>Z IaoXr Ho$boë`m dñVy§À`m qH$dm godm§À`m _MªS>mB©P, _MªS>mB©P dm°aQ§ >r `mgmR>r ~±H$ H$moUË`mhr
àH$maao O~m~Xma Zgob, Á`mV H$mS>©YmaH$mbm C{eamZo {S>{bìhar {_iUo, {S>{bìhar Z {_iUo, dñVy Z {_iUo qH$dm gXmof dñVy
{_iUo `mMmhr g_mdoe Agob.
22. no_|Q> ZmH$maÊ`mMr j_Vm
H$m`ÚmZo Amdí`H$ Agë`mMm AndmX dJiyZ Oa ~±Ho$bm H$moUVrhr àmogog, g_Ýg, AmXoe, _ZmB© hþHy$_, A§_b~OmdUr, boìhr,
YmaUm{YH$ma, _m{hVr qH$dm ZmoQ>rg àmá Pmbr, Á`m_wio ~±Ho$bm àm_m{UH$nUo Ago dmQ>bo H$s, Ë`m_wio ì`dhma H$aÊ`mgmR>r
H$mS>©YmaH$mÀ`m j_Voda àíZ CnpñWV hmoV Agob qH$dm H$mS>©YmaH$mÛmao Á`m BVa H$moUmbm A{YH¥$V H$aÊ`mV òV Agob Ë`mÀ`m
j_Voda níZ {Z_m©U hmoV Agob, Va ~±H$ ñdV:À`m {ddoH$m{YH$mamV Am{U H$mS>©YmaH$mMr qH$dm Aem àH$maÀ`m Xþgè`m ì`º$sMr
H$moUVrhr O~m~Xmar Z KoVm H$mS>©YmaH$mbm Ë`mÀ`m nV_`m©Xon¡H$s H$moUVmhr {hñgm H$mTy> XoÊ`mg ZH$ma XoD$ eHo$b Am{U
H$mS>©YmaH$mH$Sy>Z WH$sV a¸$_ (H$mhr Agë`mg) dgyb H$aÊ`mgmR>r BVa H$moUVrhr nmdbo CMbrb.
23. gw{dYm§_Üò â KmbUo Am{U Ë`m H$mTy>Z KoUo
23.1 ~±H$ ñdV:À`m {ddoH$m{YH$mamV H$mS>©YmaH$mbm Ë`mÀ`m gmo`rgmR>r Am{U dmnamgmR>r OmñVrMr EQ>rEåg, B©S>rgr-nrAmoEg, Am{U/qH$dm
eoAS>© ZoQ>dH©$À`m _mÜ`_mVyZ BVa {S>ìhm`gog (`mZ§Va Á`m§Mm C„oI ""{S>ìhm`gog'' Agm Ho$bobm Amho) CnbãY H$ê$Z XoD$ eHo$b.
øm {S>ìhm`gogda Ho$boë`m ì`dhmam§gmR>rMo gd© ewëH$, AmH$ma, ~±Ho$Zo doimodoir {ZpíMV Ho$ë`mZwgma H$mS>©ImË`mVyZ dOm H$ê$Z dgyb
Ho$bo OmB©b. H$mS>©YmaH$mbm ho g_OVo Am{U Vmo _mÝ` H$aVmo H$s, Aem eoAS>© ZoQ>dH©$_YyZ doJù`m àH$maMr \§$ŠeZ°{bQ>r, gpìh©g
Am°\$[a¨½O nwa{dbo OmD$ eH$VmV Am{U bm^ KoVboë`m godm§gmR>r Am{U/qH$dm bmoHo$eÝggmR>r doJio AmH$ma Agy eH$VmV.
23.2 ~±H$ ñdV:À`m {ddoH$m{YH$mamV H$moUË`mhr doir H$mS>©YmaH$mbm nyd©gyMZm Z XoVm, H$mS>©ImË`m§da EQ>rE__Üò/^maVmVrb qH$dm
^maVm~mhoarb BVa {S>ìhm`gogdarb H$mS>© dmnaÊ`mMr Am{U/qH$dm Ë`mÀ`mer g§~§{YV godm dmnaÊ`mMr gw{dYm _mJo KoÊ`mg, I§{S>V
H$aÊ`mg, aÔ H$aÊ`mg, {Zb§{~V H$aÊ`mg qH$dm ~§X H$aÊ`mg h¸$Xma Agob Am{U Aem àH$maÀ`m {Zb§~Zm_wio qH$dm aÔ H$aÊ`m_wio
H$mS>©YmaH$mbm ghZ H$amdm bmJUmam H$moUVmhr VmoQ>m qH$dm hmZr `mgmR>r ~±H$ O~m~Xma Zgob. gw{dYm _mJo KoUo, I§{S>V H$aUo, aÔ
H$aUo, {Zb§{~V H$aUo qH$dm ~§X H$aUo `mn¡H$s H$mhr Ho$ë`mZ§Va ~±H$ H$mS>©YmaH$mbm gy{MV H$arb. H$mS>©YmaH$mZo Ë`mÀ`m H$mS>©ImË`mda
Ho$boë`m ì`dhmam§À`m ~m~VrV ~±H$ dJiVm BVa H$moUVrhr g§ñWm H$mS>©YmaH$mgmR>r CÎmaXm`r qH$dm O~m~Xma Zgob.
23.3 XoI^mb (_|Q>oZÝg): godm§À`m CnbãYVoda n[aUm_ hmoD$ eHo$b Aem XoI^mbrÀ`m H$m_m{df`rMr AmJmD$ gyMZm gdm}Îm_ à`ËZ
H$ê$Z {Xbr OmB©b, VargwÕm ~±Ho$bm `mo½` dmQ>ob Ë`mZwgma H$moUVrhr nyd© gyMZm Z XoVm EQ>rE_/BS>rgrMr qH$dm VËg_mZ BVa
{S>ìhm`gogMr godm qH$dm gd© qH$dm H$moUVrhr godm nwa{dUo, _J Vo Zoh_rÀ`m XoI^mbr_wio Agmo dm BVa H$moUË`mhr H$maUm_wio
Agmo, {Zb§{~V H$aÊ`mMm h¸$ ~±H$ amIyZ R>odrV Amho.
24. naH$s` MbZm{df`r _mJ©Xe©H$ gyMZm
24.1 Oa nmR>dmd`mMr a¸$_ (ao{_Q>Ýg) nadZJr {Xboë`m _`m©Xonojm H$_r qH$dm g__yë` Agob Am{U gËH¥$Ôe©Zr Oa {d{Z_` {Z`_Z
{Z`_mdbrMo nmbZ H$aUmao Agob, Va ^maVr` [aPìh© ~±Ho$À`m _mJ©Xe©H$ gyMZm§Zwgma H$mS>©YmaH$mZo {d{Z_` {Z`_Z {Z`_mdbrZwgma
nadmZJr XoÊ`mV Amboë`m hoVy§gmR>r H$mS>©Mm Cn`moJ Ho$ë`mMm nwamdm åhUyZ BÝìhm°B©g/{~bo `m§gmaIm H$mJXmonÌrMm nwamdm XoÊ`mMr
JaO AgVo.
24.2 Ama~rAm`À`m _mJ©Xe©H$ gyMZm§Zwgma, Oa naXoemV {Xboë`m ôQ>rX§ aå`mZMr H$mS>©À`m dmnamMr a¸$_ H$mS>©YmaH$mÀ`m naH$s` MbZ
nmÌVonojm OmñV Agob, Va dmnaboë`m naH$s` MbZmMm H$mJXmonÌr nwamdm H$mS>©YmaH$mZo gmXa Ho$bm nm{hOo. hr ~m~ {d{Z`_
{Z`§ÌU {d^mJmÀ`m àmXo{eH$ H$m`m©b`mg H$i{dÊ`mMm A{YH$ma ~±Ho$bm Amho.
24.3 naH$s` {d{Z_` {Z`_mdbrZwgma H$mS>©YmaH$mZo àËòH$ naH$s` MbZmVrb ì`dhmamgmR>r Ë`mMm nmgnmoQ>© E§S>mg° © H$aÊ`mMr Amdí`H$Vm
Zmhr, na§Vw Oa `m {Z`_mdbrV ~Xb Pmbm, Va H$mS>©YmaH$ ho H$~yb H$aVmo H$s, ZdrZ {Z`_mdbrMo nmbZ H$aUo hr Ë`mMr
EH$Q>çmMr O~m~Xmar Agob. VWm{n, H$mS>©YmaH$mÀ`m dVrZo H$moUVrhr H$mJXnÌo âÊ`mg qH$dm gmXa H$aÊ`mg ~±H$ O~m~Xma Zgob
Am{U H$mS>©YmaH$mZo Ë`mMo nmbZ Ho$bo Zmhr, Va hmoUmè`m n[aUm_m§gmR>r H$moUË`mhr àH$mao O~m~Xma qH$dm CÎmaXm`r Zgob.
24.4 Or ì`º$s {Zdmgr ^maVr` Amho, {Vbm ~±H$ H«o${S>Q> H$mS>© XoB©b. H$mS>©YmaH$mZo ~±Ho$bm gmXa Ho$boë`m AOm©_Üò Ho$bobr {dYmZo/KmofUm
`m§À`m AmYmao ~±H$ \$º$ A{Zdmgr ^maVr`m§Zm EZAmaAm` H$moQ>H$ H«o${S>Q> H$mS>© XoB©b. H$mS>©YmaH$mÀ`m {ZdmgmÀ`m pñWVrV Oa ~Xb
Pmbm, Va Ë`m{df`r ~±Ho$bm VmËH$mi H$i{dUo ho H$mS>©YmaH$mMo H$V©ì` Agob.
25. CÎmaXm{`ËdmVyZ AndO©Z (gwQ>H$m)
25.1 H$mS>©YmaH$ H$~yb H$aVmo H$s, nwT>rb ~m~VrV, àË`j qH$dm AàË`jarË`m hmoUmè`m ZwH$gmZmgmR>r qH$dm hmZrgmR>r ~±H$

H$mS>©YmaH$mgmR>r H$moUË`mhr àH$mao O~m~Xma Zgob:
(i) nrE_B©Zo nwa{dboë`m H$moUË`mhr dñVy qH$dm godm§_Yrb Xmof;
(ii) H$mS>© ñdrH$maÊ`mg BVa H$moUË`mhr ~±Ho$Zo qH$dm nrE_B©Zo {Xbobm ZH$ma;
(iii) H$mS>©YmaH$mì`{V[aº$ BVam§Zm ì`dhmamÀ`m gyMZm XoUo, H$mS>©YmaH$mÀ`m {ZîH$miOrnUm, MyH$, Aàm{UH$nUm, J¡adV©Z, b~mS>rZo BVa
ì`º$sbm H$mS>© hmVmiÊ`mg XoUo `m_wio Pmbobm H$mS>©Mm J¡admna;
(iv) _erZ/Vm§{ÌH$ MwH$m§_wi/ o {~KS>ë`m_wio, ~±Ho$À`m ZoQ>dH©$_Üò qH$dm BVa ~±H$m§À`m ZoQ>dH©$_Üò Vm§{ÌH$ ~«oH$S>mD$Z_wio nrE/Q>{_©ZbZo
H$m_ Z H$aUo/gXmof H$m_ H$aUo;
(v) H$mS>©Mr _wXV g§nÊ`mnydu H$mS>© gwnXy © H$aÊ`mgmR>r _mJUr H$aÊ`mÀ`m ~±Ho$À`m h¸$mMr A§_b~OmdUr H$aÊ`mMr VmarI H$mS>©À`m Xe©Zr
^mJmda E§~m°g Ho$bobr Amho, Á`mV Aer _mJUr Am{U gwnyX© H$aUo Am{U/qH$dm ~±Ho$Zo qH$dm ~±Ho$Zo {Z`wº$ Ho$boë`m ì`º$sZo qH$dm
H$moUË`mhr EQ>rE_/B©S>rgr _erZÀ`m _mÜ`_mVyZ àmá H$aUo;
(vi) ~±Ho$Zo H$moUVohr H$mS>© qH$dm H$mS>©ImVo ~§X H$aÊ`mÀ`m A{YH$mamMr A§_b~OmdUr H$aUo;
(vii) H$mS>©YmaH$mÀ`m nVà{Vð>obm Am{U Zmdbm¡{H$H$mbm nmohmoMbobr H$moUVrhr hmZr, Or H$mS>© nwÝhm Vmã`mV KoVë`m_wio Am{U/qH$dm Vo
naV H$aÊ`mgmR>r Ho$bobr H$moUVrhr {dZ§Vr qH$dm H$moUË`mhr nrE_B©Zo qH$dm BboŠQ´>m°{ZH$ _r{S>`mZo H$mS>© Am°Za H$aÊ`mg qH$dm
ñdrH$maÊ`mg ZH$ma XoUo qH$dm H$mS>©da Ho$bobr gd© IaoXr Vmã`mV KoUo qH$dm H$moUË`mhr EñQ>°pãbe_|Q>Zo/_ob Am°S>©a EñQ>°pãbe_|Q>Zo
H$mS>© Am°Za H$aÊ`mg qH$dm ñdrH$maÊ`mg ZH$ma XoUo `m_wio KSy>Z Ambr Agm Xmofmamon Ho$bm OmVmo;
(viii) Ama~rAm`Zo doimodoir {ZYm©[aV Ho$boë`m _mJ©Xe©H$ gyMZm§ZwgmaÀ`m naH$s`M MbZ nmÌVoMr _`m©Xm Amobm§S>ë`m_wio AmH$mamV KQ> hmoUo
qH$dm H$mS>©YmaH$ Ë`mÀ`m nmÌVoMr _`m©Xm Amobm§S>rV Amho Aer ~±Ho$bm _m{hVr {_iUo;
(ix) ~±Ho$Zo qH$dm {VÀ`m EO§Q²>gZo qH$dm à{V{ZYtZr H$moUVohr MwH$sMo {dYmZ, MwH$sMo {ZdoXZ, MyH$ qH$dm H¥$Vr Z H$aUo;
(x) H$moUVohr H$å`w{ZHo$eZ qH$dm BVa CnH$aU {~KS>ë`mZo H$mS>©YmaH$mbm EQ>rE__YyZ amoI a¸$_ H$mT>Vm Z òUo;
(xi) EQ>rE_/nrE_B©_Yrb H$moUË`mhr H$maUm_wio H$moUË`mhr ì`dhmamg ZH$ma {_iUo.
25.2 {gñQ>r_ qH$dm CnH$aU {ZH$m_r Pmë`mZo qH$dm ~±H$ V¥Vr` njm§À`m CËnmXZmda Adb§~yZ am{hë`mZo qH$dm EH$_oH$m§da Adb§~yZ
am{hë`mZo H$moUVrhr godm {ZH$m_r hmoUo qH$dm Ë`mV AS>Wio òUo (S>oQ>m Jhmi Pmë`mgh, nU VodT>çmnwaVoM _`m©{XV Zmhr) `m_wio
Pmboë`m ZwH$gmZmgmR>r qH$dm hmZrgmR>r ~±H$ H$moUVrhr O~m~Xmar ñdrH$marV Zmhr, Á`mV BbopŠQ´>{gQ>r qH$dm Q>o{bH$å`w{ZHo$eÝgMmhr
g_mdoe hmoVmo, nU Vo VodT>çmnwaVoM _`m©{XV Zmhr. {ZgJm©Mm H$mon, X§Jbr, `mXdr `wÕ, gaH$ma{déÕMm CR>md, _hm`wÕo qH$dm
{Z`§ÌUmnbrH$S>rb BVa H$moUVrhr H$maUo qH$dm g§n qH$dm Q>mio~§Xr `m§À`m n[aUm_m§gmR>r ~±H$ H$moUVrhr O~m~Xmar ñdrH$marV Zmhr.
25.3 H$mS>©YmaH$mÀ`m gyMZm§Mo nmbZ H$aÊ`mV H$moUË`mhr àH$mao Anè Ambo åhUyZ, Ooìhm Ago Anè ~±Ho$À`m {Z`§ÌUmnbrH$S>o Agboë`m
H$maUm§_wio Ambobo AgVo, Voìhm hmoUmè`m ZwH$gmZmgmR>r [H$dm hmZrgmR>r ~±H$ O~m~Xma Zgob; `m ~m~VrVrb ~±Ho$Mo _V A§{V_
Agob.
25.4 H$mS>©À`m gw{dYogmR>r AO© H$ê$Z {VMm bm^ KoD$Z H$mS>©YmaH$ Ë`mZo Ho$bobo ì`dhma nyU© H$aÊ`mg H$mS>©YmaH$ ~±Ho$bm ñnï>nUo A{YH$ma
XoV Amho. {nZ dJiVm AÝ` H$moUË`mhr _mJmªZr Ho$boë`m ì`dhmamMr A{YH¥$VVm nS>VmiyZ nmhÊ`mMr O~m~Xmar ~±Ho$Mr Zgob.
25.5 H$moUË`mhr n[apñWVrV ~±H$ H$mS>©YmaH$mbm qH$dm BVa H$moUË`mhr ì`º$sbm Pmboë`m ZwH$gmZmMo qH$dm hmZrMo Xmdo, _J Vo àË`j
AgmoV dm AàË`j, àmg§{JH$, n[aUm_ñdê$nr AgmoV, _J Agm Xmdm _hgwbmMo, Jw§VdUwH$sMo, CËnmXZmMo, »`mVrMo, Zâ`mMo,
ì`dgm`mVrb AS>Wù`m_wwio Pmbobo ZwH$gmZ Agbo Varhr qH$dm H$moUË`mhr àH$maMo qH$dm ñdê$nmMo ZwH$gmZ `mgmR>r ~±H$ O~m~Xma
Zgob.
25.6 Oa H$mS>©YmaH$mH$Sy>Z ~±Ho$Zo qH$dm ~±Ho$À`m dVrZo H$m_ H$aUmè`m H$moUË`mhr ì`º$sZo òUo WH$sV aH$_ogmR>r _mJUr Ho$br, Va
H$mS>©YmaH$ _mÝ` H$aVmo Am{U H$~yb H$aVmo H$s, Aer _mJUr qH$dm Xmdm åhUOo H$moUË`mhr àH$mao A~«wZwH$gmZrMr H¥$Vr Zgob qH$dm
H$mS>©YmaH$mÀ`m Mm[aÍ`mbm ~mYm AmUUmao qH$dm à{Vq~{~V hmoUmao H¥$Ë` Zgob Am{U H$mS>Y© maH$ `m ~m~VrV ~±Ho$bm Am{U {VÀ`m
H$_©Mmè`m§Zm Aem O~m~XmarVyZ _wº$ H$arV Amho.
26. H$moQ>H$ _qhÐm ~±H$ [adm°S>©²g àmoJ«°_
H$mS>©À`m àH$mamÀ`m AmYmamda H$mS>©YmaH$mbm ~±H$ [adm°S>© àmJ«°_(""àmoJ«°åg'') XoD$ H$arb. `m àmoJ«°__wio H$mS>©YmaH$mZo Ë`mÀ`m H$mS>©da
Xoem§VJ©V/naXoemV Ho$boë`m IaoXr Ho$boë`m dñVy Am{U godm§gmR>r âboë`m d¡Y AmH$mam§da Am{U ~±Ho$Zo doimodoir `m àmoJ«°_gmR>r
g_m{dîQ> Ho$boë`m BVa H$moUË`mhr AmH$mam§da [adm°S>© nm°BªQ²>g àmá H$aÊ`mMr g§Yr {_iVo. `m àmoJ«°__Üò A{V[aº$ {Z`_ d AQ>r bmJy
Ho$ë`m OmD$ eH$VmV, Á`m H$mS>©YmaH$mbm ñdV§ÌnUo H$i{dë`m OmVrb.

27. ZwH$gmZânmB©
27.1 ~±Ho$bm, {VÀ`m J«mhH$m§Zm qH$dm V¥Vr` njm§Zm Pmbobo H$moUVohr ZwH$gma qH$dm hmZr d IM©, VgoM H$mS>©YmaH$m§Zr qH$dm Ë`m§Mo
H$moUVohr EO§Q²>g, H$_©Mmr Am{U Agmo{gEQ²>g `m§Zr Ho$boë`m dmnamÀ`m g§~§YmV V¥Vr` njm§Zr AmUbobo H$moUVohr Xmdo qH$dm H$madmB©
`mgmR>r H$mS>©YmaH$ ~±Ho$bm ZwH$gmZânmB© XoÊ`mMo d BOm nmohmoMy Z XoÊ`mMo _mÝ` H$aVmo.
27.2 H$mS>©YmaH$ _mÝ` H$aVmo Am{U ~±Ho$bm nwT>rb ~m~tÀ`m n[aUm_ñdê$nr Oo àË`j qH$dm AàË`j Or gd© Xm{`Ëdo, ZwH$gmZ, hmZr Am{U
IM© gmogmdo qH$dm H$amdo bmJVrb Ë`m§Mr ânmB© H$aÊ`mÀ`m ~m~VrV ~±Ho$bm h_r XoVmo:
(I) H$mS>©YmaH$mMm {ZîH$miOrnUm/MyH$ qH$dm MwH$sMo à{VnmXZ qH$dm J¡adV©Z
(ii) H$mS>© qH$dm H$mS>©ImË`mer g§~§{YV {Z`_/{Z`_ d AQ>r `m§Mo C„§KZ H$aUo qH$dm AZwnmbZ Z H$aUo
(iii) H$mS>©YmaH$mZo qH$dm Ë`mÀ`m H$_©Mmè`m§Zr/EO§Q²>gZo H$moUË`mhr ì`dhmamÀ`m ~m~VrVrb Ho$bobr \$gdUyH$ qH$dm Aàm_m{UH$nUm.
(iv) EQ>rEåg/B©S>rgr Am{U VemM àH$maMr BboŠQ´>m°{ZH$ Q>{_©Zëg qH$dm _erÝg Am{U Ë`m Am°naoQ> H$aVmZm òD$ eH$Umè`m MwH$m (Eag©);
H$mS>©YmaH$ Aem àH$maÀ`m H$moUË`mhr _erZ_Yrb/Vm§{ÌH$ MwH$m§Mr h_r KoÊ`mMo _mÝ` H$aVmo.
27.3 Ama~rAm`Mr {d{Z_` {Z`_Z {Z`_mdbr qH$dm BVa H$moUVmhr bmJy Agbobm H$m`Xm, {Z`_ qH$dm {Z`_mdbr `m§Mo H$mS>©YmaH$mZo
nmbZ Z Ho$ë`m_wio hmoUmè`m gd© n[aUm_m§gmR>r H$mS>©YmaH$ ~±Ho$bm ZwH$gmZânmB© XoB©b Am{U BOm nmohmoMy XoUma Zmhr.
27.4 H$mS>© XoÊ`mV ~±Ho$bm Anè Ambo qH$dm ~±Ho$À`m {Z`§ÌUmnbrH$S>o Agboë`m H$maUm§gmR>r H$moUË`mhr {Z`_ qH$dm AQ>tMo nmbZ H$aVm
Ambo Zmhr, Va Ë`mgmR>r ~±H$ O~m~Xma Zgob. ~±H$ H$mS>©YmaH$mbm nwadrV Agboë`m gw{dYm§À`m _mo~Xë`mÀ`m ~Xë`mV ~±Ho$bm
H$moUË`mhr doir H$moUË`mhr àH$maÀ`m H$amì`m bmJUmè`m, gmogmì`m bmJUmè`m, ^moJmì`m bmJUmè`m H$moUË`mhr H$madmB©, Xmdo,
_mJÊ`m, àmo{gqS>½O, ZwH$gmZ, ZwH$gmZânmB©, d¡`{º$H$ BOm, CËnmXZIM©, AmH$ma Am{U IM© qH$dm H$mS>©YmaH$mbm gXa gw{dYm
nwa{dë`m_wio qH$dm H$mS>©YmaH$mZo {Xboë`m gyMZm§da àm_m{UH$nUo H¥$Vr Ho$ë`mZo qH$m H¥$Vr H$aÊ`mg ZH$ma XoÊ`mZo qH$dm H¥$Vr Z
Ho$ë`mZo Ë`m_wio ~±Ho$bm ânmB© XoÊ`mMo H$mS>©YmaH$ `mÛmao _mÝ` H$arV Amho.
27.5 H$mS>© hadë`m_wio qH$dm Ë`mMm J¡admna Pmë`m_wio, H$mS>© hadbo Am{U Ë`m{df`r ~±Ho$bm H$i{dbo Zmhr, Va Ë`m_wio {Z_m©U hmoUmè`m
H$moUË`mhr Xm{`Ëdm{df`r ({XdmUr qH$dm \$m¡OXmar), ZwH$gmZ, CËnmXZIM©, IM© qH$dm ZwH$gmZânmB© `mgmR>r H$mS>©YmaH$ `mÛmao
~±Ho$bm ânmB© XoÊ`mMo H$mS>©YmaH$ _mÝ` H$aVmo. H$mS>© hadë`mMr/Mmoarbm Joë`mMr _m{hVr ~±Ho$bm {Xbr Agob Va H$mS>©YmaH$ ~±Ho$ bm
CÎmaXm`r Agob Am{U hadboë`m/Mmoarbm Joboë`m H$mS>©_wio {Z_m©U Pmboë`m H$moUË`mhr {XdmUr qH$dm \$m¡OXmar Xm{`ËdmgmR>r,
CËnmXZIM©, IM© qH$dm ZwH$gmZânmB© `mgmR>r H$mS>©YmaH$ ~°§Ho$gmR>r CÎmaXm`r Agob Am{U `mÛmao ~°§Ho$bm Ver h_r XoVmo.
28. ~§X H$aUo (g_mßVr)
28.1 H$mS>©YmaH$ H$moUË`mhr doir boIr {dZ§Vr H$ê$Z qH$dm ~±Ho$À`m J«mhH$g§nH©$ H|$Ðmbm Ë`mÀ`m H«o${S>Q> H$mS>©er OmoS>boë`m gw{dYm Am{U
\$m`Xo ~§X H$aÊ`mÀ`m {dZ§Vrgh H$m°b H$ê$Z Ë`mMr H«o${S>Q> H$mS>©Mr gw{dYm ~§X H$aÊ`mMm n`m©` {ZdSy> eH$Vmo. na§Vw H$mS>Y© maH$mÀ`m
ImË`mV Oa H$mhr a¸$_ òUo H$m~r Agob, Va H$mS>© ~§X H$aÊ`mgmR>rMr {dZ§Vr ñdrH$mabr OmUma Zmhr. H$mS>© ~§X H$aÊ`mgmR>rMr
{dZ§Vr H$aÊ`mnydu H$mS>©YmaH$mZo Ë`mÀ`m ImË`mda òUo ~mH$s Agbr gd© Xo` a¸$_ âUm Ho$brM nm{hOo.
28.2 àm`_ar H$mS>©YmaH$ ~±Ho$bm boIr H$idyZ qH$dm J«mhH$g§nH©$ H|$ÐmÀ`m _mÜ`_mVyZ A°S>-Am°Z H$mS>©Mm Cn`moJ aÔ H$ê$ eH$Vmo, nU ho
H$mhrhr Agbo Var, A°S>-Am°Z H$mS>©YmaH$mZo Ho$boë`m gd© AmH$mam§gmR>r/ewëH$mgmR>r àm`_ar H$mS>©YmaH$ O~m~Xma amhrb.
28.3 H$mS>© aÔ/~§X Ho$ë`mZ§Va H$mS>© _°¾o{Q>H$ ñQ´>rnda H$U©afo oV H$mnyZ Zï> H$aÊ`mgmR>r H$mS>©YmaH$ O~m~Xma Agob.
28.4 ~°§Ho$bm Oa ì`dgm`mÀ`m qH$dm gwa{jVVoÀ`m H$maUmñVd ~±Ho$bm `mo½` dmQ>ë`mg ~±H$ ñdV:À`m {ddoH$m{YH$mamV H«o${S>Q> H$mS>©darb
gw{dYm, H$moUVrhr nyd©gyMZm Z XoVm VmËH$mi {Zb§{~V H$ê$ eHo$b qH$dm ~§X H$ê$ eHo$b qH$dm H«o${S>Q> H$mS>©À`m gw{dYoda ~§YZo Kmby
eHo$b. ~±Ho$Zo Oa H«o${S>Q> H$mS>©Mr gw{dYm ~§X Ho$br, Va H$mS>©ImË`mV òUo ~mH$s Agboë`m gd© aH$_m (Á`mV AOyZhr dOm Z Ho$bob o
AmH$ma qH$dm amoI aH$_oMm AJ«r_ `m§À`mgh) VmËH$mi Xo` hmoVrb. Aem ~m~VrV, ~±Ho$À`m Zm|XrZwgma, Oo A§{V_ AgVrb, H«o${S>Q>
H$mS>©Mm/{nZMm dmna H$ê$Z H$mT>boë`m/hñVm§V[aV Ho$boë`m gd© aH$_m H$mS>©ImË`mVyZ dOm H$aÊ`mMo ñnï> A{YH$ma H$mS>©YmaH$ ~±Ho$bm
XoV Amho.
28.5 Oa H$mS>©YmaH$mZo ZmoH$ar/ì`dgm` qH$dm nÎmm ~Xbbm qH$dm dV©_mZ Zo_UwH$sÀ`m OmJodê$Z ~Xbr Pmbr qH$dm g§~§{YV
nJmaImVo/~±Ho$Vrb _w»` ImVo, BË`mXr ~Xbbo (Oo Agob Ë`mZwgma) Va ~±Ho$bm ñdV:À`m {ddoH$m{YH$mamV H$mS>©gw{dYm ~§X
H$aÊ`mMm A{YH$ma Agob. H$mS>©YmaH$ Img H$~yyb H$aVmo H$s, EH$Xm H$mS>©ImVo aÔ Ho$bo/~§X Ho$bo Am{U H$mS>©darb {deof A{YH$ma
(gd© \$m`Xo Am{U godm `m§gh) _mJo KoVë`mg_mZ AgVmV, Á`m AmnmoAmn nwÝhm gwê$ hmoV ZmhrV Am{U Ë`m \$º$ ~±Ho$À`m EH$_od
{ddoH$m{YH$mamVM gwê$ Ho$ë`m OmVrb. H$mS>© aÔ Ho$ë`mZ§Va/hm H$ama g§ndë`mZ§Va (H$moUË`mhr H$maUmgmR>r) H$mS>©YmaH$mZo$:

(i) H$mS>©Mm Cn`moJ H$aVm H$m_m Zò;
(ii) H$mS>© _°¾o{Q>H$ ñQ´>rnda H$U©afo oV AÜ`m©da H$mnyZ Vo Zï> Ho$boM nm{hOo;
(iii) øm {Z`_ Am{U AQ>tZwgma ~±Ho$bm no_|Q> Ho$boM nm{hOo.
28.6 Aem àH$mao H$mS>© ~§X Ho$ë`mMm AW© H$mS>©YmaH$mbm ~±Ho$Zo {Xboë`m gd© gw{dYm ~§X Ho$ë`m Agm hmoVmo. Oa H$mS>©YmaH$mZo H$mS>© Zï>
Ho$ë`mMm Xmdm Ho$ë`mZ§Va AmH$ma bmJy H$aÊ`mV Ambobo AgVrb, Va H$mS>©Yma g§nyU©nUo Aem AmH$mam§gmR>r§ O~m~Xma Agob, _J Vo
H$mS>©Mm Xþén`moJ Ho$ë`m_wio AgmoV dm AÝ`Wm Am{U ~±Ho$bm H$mS>© Zï> Ho$ë`m~Ôb H$i{dbobo Agmo dm Zgmo.
29. {Z`_ d AQ>t_Yrb ~Xb
29.1 H$mS>©g§~§YrMr YmoaUo, d¡{eîQ>ço Am{U Ë`mda XoD$ H$aÊ`mV Ambobo \$m`Xo `m§_Üò gwYmaUm H$aÊ`mMo Am{U doimodoir {Z`_ d AQ>t_Üò
~Xb H$aÊ`mMo Am{U ~±Ho$bm `mo½` dmQ>ob Ë`m nÕVrZo Aem ~Xbm§{df`r H$mS>©YmaH$mbm H$i{dÊ`mMo A{YH$ma ~±H$ ñdV:H$S>o amIyZ
R>odrV Amho. Á`m VmaIog Ago ~Xb H$aÊ`mV Ambo Ë`mnyduM Oa H$mS>© aÔ H$aÊ`mV Ambo, Va Ë`mMm AndmX dJiyZ Aem ~Xbm§Zm
H$mS>©YmaH$ ~m§Yrb amhrb.
29.2 Imbr {Xboë`m hoVy§_Üò/H$maUm§_Üò (nU VodT>çmnwaVoM _`m©{XV Zgbobo) ~Xb ~±H$ H$ê$ eHo$b:
(i) ewëH$, ì`mOmMo AmH$ma, H$a qH$dm \$º$ H$mS>© Am{U {nZ `m§À`mer g§~§{YV qH$dm A°S>-Am°Z H$mS>©À`m Cn`moJmer qH$dm H$mS>© ~XbyZ
XoÊ`mer g§~§{YV AmH$ma ~±H$ bmJy H$ê$ eH$Vo qH$dm Ë`m§_Üò dmT> H$ê$ eH$Vo.
(ii) H$mS>©À`m gmømZo Ho$boë`m ì`dhmam§gmR>rÀ`m ZwH$gmZmgmR>r H$mS>Y© maH$mÀ`m O~m~Xmar_Üò dmT> H$ê$ eHo$b.
(iii) H$mS>©ImË`mbm bmJy Agbobr nV qH$dm amoI a¸$_ `m§À`m _`m©XoMo g_m`moOZ H$ê$ eHo$b.
(iv) ~±H$ gyMZm Z XoVm ~Xb H$ê$ eHo$b, Oa Ago ~Xb BboŠQ´>m°{ZH$ {gñQ>r_Mr qH$dm H$mS>©darb ì`dhmam§Mr gwa{jVVm H$m`_
amIÊ`mgmR>r qH$dm nwÝhm àmá H$aÊ`mgmR>r Amdí`H$ Agob Va. Ago ~Xb H$aÊ`mV Ambo Va, Oa Ago ~Xb CKS> Ho$ë`mZo
BboŠQ´>m°{ZH$ {gñQ>r_Mr qH$dm CnH$aUmMr gwa{jVVm YmoŠ`mV òUma Zgob, Va H$mS>©YmaH$mbm H$i{dÊ`mV òB©b.
29.3 `m Am{U BVa H$moUË`mhr ~Xbm§Mr A{YgyMZm ~±Ho$Ûmao H$mS>©YmaH$mb ì`{º$e: àË`j ê$nmV qH$dm Ë`mÀ`m AbrH$S>rb nÌì`dhmamÀ`m
nÎ`mda Q>nmbmÛmao nmR>dyZ qH$dm ~±Ho$H$S>o Zm|Xdboë`m B©boŠQ´>m{° ZH$-_obÀ`m _mÜ`_mVyZ nmR>{dbr OmB©b. H$mS>©YmaH$mZo Ë`mÀ`m nÎ`mV
Pmbobm H$moUVmhr ~Xb ~±Ho$bm VËnaVoZo H$i{dbm nm{hOo. Aem eodQ>À`m A{Ygy{MV nÌì`dhmamÀ`m nÎ`mda Q>nmb nmR>{dë`mMm
qH$dm BboŠQ´>m°{ZH$ _ob nmR>{dë`mMm nwamdm hm, Aer A{YgyMZm H$mS>©YmaH$mbm àmá Z hmoVm Q>nmbmÛmao naV Ambr, Var Vr
Zoh_rÀ`m doiào _mUo OodT>çm H$mbmrYrV {_imbr AgVr, VodT>çm H$mimV Vr {_imbobr Amho `mgmR>rMm A§{V_ nwamdm Agob. øm
{Z`_ d AQ>t_Üò Pmboë`m ~Xbm§Mr gyMZm ~±H$ H$mS>©YmaH$mbm EQ>rE_/emIm/H$m`m©b` `m§À`m {R>H$mUm§da qH$dm Ë`m§À`m Amgnmg
àX{e©V H$ê$Z qH$dm dV©_mZnÌmV Om{hamV XoD$Z qH$dm _m{gH$ {ddaUmV g§Xoe nmR>dyZ qH$dm B§Q>aZoQ>darb g§Ho$VñWimda
(www.kotak.com) g§Xoe XoD$Z XoB©b.
ho {Z`_ d AQ>r (H$) `mnydu Ho$bobo àH$Q> qH$dm Üd{ZV, Vm|S>r qH$dm boIr àñVmd, {ZdoXZo, g_PmoVm H$ama Am{U H$ama
`m§À`mnojm daMT> R>aVrb, (I) ~±Ho$Mo gd©gmYmaU {Z`_ d AQ>r Am{U ImVr Am{U godm `m§À`mgmR>rMo {Z`_ Am{U AÝ`Wm bmJy
Agbobo ~±Ho$Mo {Z`_ d AQ>r `m§À`mì`{V[aº$ bmJy hmoVrb. na§Vw V§Q>m {Z_m©U Pmë`mg, H«o${S>Q> H$mS>© gw{dY|VJ©V Ho$boë`m ì`dhmamgmR>r
ho {Z`_ d AQ>r daMT> R>aVrb.
30. _m{hVr CKS> H$aUo
30.1 H«o${S>Q> ìho[a{\$Ho$eZ qH$dm ao\$aÝg MoŠg, {hVg§~§Ym§Mr OnUyH$, BË`mXtgmR>r gd©/H$moUVrhr _m{hVr/H$mS>©YmaH$mer g§~§{YV
H$mJXnÌo/H$mS>©YmaH$ H$ama Am{U/qH$dm BVa H$moUVohr H$ama qH$dm H$mS>©YmaH$mZo Hw$MamB© Ho$ë`mg ^maVr` [aPìh© ~±Ho$bm, Am`H$a
A{YH$mè`m§Zm, Ý`m`m{YH$aUm§Zm, Ý`m`mb`m§Zm, Ý`m{`H$ g§ñWm§Zm, BVa ~±H$m§Zm, H«o${S>Q> ã`wamoOZm, {dÎmr` g§ñWm§Zm qH$dm H«o${S>Q>
BÝ\$m°_}eZ H§$nZrO (ao½`wboeÝg) H$m`Xm, 2005 AZwgma doimodoir bmJy Agboë`m _m{hVr CKS> H$aÊ`mÀ`m _mnX§S>me § r gwgJ§ V
Agboë`m V¥Vr` njm§Zm CKS> H$aÊ`mg§~§Yr H$mS>©YmaH$ `mÛmao ~±Ho$bm A{YH¥$V H$arV Amho.
30.2 H$mS>©YmaH$ `mÛmao _mÝ` H$aVmo H$s, H$mS>©YmaH$mZo AOm©V qH$dm AÝ`Wm {Xboë`m _m{hVrMm Cn`moJ ~±Ho$Ûmao doimodoir H$mS>©er g§~§{YV
Am°\$g©À`m {dH«$sgmR>r _mH}$qQ>JgmR>r Ho$bm OmD$ eH$Vmo, Á`mV {e„H$ aH$_oMo hñVm§VaU, _m{gH$ hßË`mÀ`m Am°\$g©, amoI aH$_oer
g§~§{YV Am°\$g©, {d_mCËnmXZo, BË`mXtMm g_mdoe Amho, nU Vo VodT>çmnwaVoM _`m©{XV Zmhr. Ë`mhrnwT>o, ~±H$ øm _m{hVrMm Cn`moJ
bmJy Agboë`m _m{hVr CKS> H$aÊ`mÀ`m _mnX§S>m§er gwg§JV Agob Aem àH$maao doimodoir ~±Ho$À`m CËnmXZm§Mo {dnUZ (_mH}$qQ>J)
H$aÊ`mgmR>r H$ê$ eHo$b.
30.3 H$mS>©YmaH$mZo nwa{dbobr _m{hVr ~±H$ {VÀ`m CËnmXZm§Mo _mH}$qQ>J, ~±Ho$bm `mo½` dmQ>ob Aem Q>o{b_mH}$qQ>J M°Zoëg/H$m°ëg qH$dm WoQ>

_ob qH$dm g§nH$m©gmR>rMo BVa M°Zoëg `m§À`m _mÜ`_mVyZ H$aÊ`mgmR>r H$ê$ eHo$b. H$mS>©YmaH$ `mÛmao ~±Ho$bm H$mS>©YmaH$mMo H«o${S>Q>
[anmoQ©²>g, H«o${S>Q> BÝ\$m°_}eZ ã`wamo Am°\$ B§{S>`m {b{_Q>oS> ({g{~b) qH$dm BVa H$moUË`mhr H«o${S>Q> BÝ\$m°_}eZ H§$nÝ`m `m§À`mH$Sy>Z, Ooìhm
Am{U Oer Ë`mMr Amdí`H$Vm Agob Ë`mZwgma, H«o${S>Q> ìho[a{\$Ho$eZgmR>r qH$dm H$mS>©YmaH$mÀ`m H«o${S>Q> [aìøygmR>r, àmá H$aÊ`mgmR>r
ñnï> A{YH$ma XoV Amho.
30.4 H$mS>©YmaH$ ñnï>nUo AmoiIVmo Am{U ñdrH$ma H$aVmo H$s, ~±H$ {VÀ`m Aem H¥$Vr {VÀ`m A{YH$mè`m§À`m qH$dm H$_©Mmè`m§À`m _mÜ`_mVyZ
ñdV:M H$aÊ`mÀ`m A{YH$mamg ~mYm òD$ Z XoVm, ~±Ho$Zo {ZdS>boë`m EH$ qH$dm A{YH$ V¥Vr` njm§Zm {Z`wº$ H$ê$Z Ë`m§Zm H$mS>©YmaH$
H$amam§VJ©V Agbobr {VMr gd© H$m_o, h¸$ Am{U eº$s {Z`wº$ H$ê$ eH$Vo, Or H$m_o H«o${S>Q> H$mS>©Mo Am°naoeZ Am{U A°S>{_{ZñQ´>e o Z,
Á`mV H$mS>©YmaH$ H$amam§VJ©V H$mS>©YmaH$mH$Sy>Z H$moUVohr no_Q| > Am{U H$mS>©YmaH$mH$Sy>Z Xo` Agboë`m BVa aH$_m Jmoim H$aÊ`mMo
A{YH$ma Am{U gd© H$m`Xoera H¥$Vr H$aUo, H$mS>©YmaH$mer g§nH©$ gmYUo, H$mS>©YmaH$mH$Sy>Z amoI a¸$_/MoŠg/S´>mâQ²>g/_±S>oQ²>g àmá
H$aUo Am{U d¡Y Am{U n[aUm_H$maH$ nmdË`m XoUo Am{U H$mS>©YmaH$mbm _wº$ H$aUo ({S>ñMmO©) `m§Mm g_mdoe hmoVmo. Cnamoº$
CÔoemgmR>r ~±Ho$g Aem V¥Vr` njm§Zm H$mS>©YmaH$mer Am{U H«o${S>Q> H$mS>©er g§~§{YV Amdí`H$ Am{U g§~§{YV _m{hVr CKS> H$aÊ`mMbm
h¸$ Agob Am{U H$mS>©YmaH$ Aem àH$mao ~±Ho$Ûmao _m{hVr CKS> H$aÊ`mgmR>r `mÛmao g§_Vr XoV Amho.
30.5 da H$mhrhr åhQ>bobo Agbo Var H$mS>©YmaH$mZo H$mhrhr Hw$MamB© Ho$ë`mg H$mS>©YmaH$ ñnï>nUo ñdrH$maVmo Am{U ~±Ho$bm (Am{U/qH$dm
~±Ho$Zo {ZdS>boë`m Aem BVa V¥Vr` njmbm) V¥Vr` njm§er (H$mS>©YmaH$mÀ`m Hw$Qw>§~mVrb g^mgXm§g{hV) g§nH©$ gmYyZ H$mS>Y© maH$mer
Am{U H«o${S>Q> H$mS>©er g§~§{YV gd© Amdí`H$ Am{U g§~§{YV _m{hVr CKS> H$aÊ`mMo A{YH$ma XoV Amho Am{U H$mS>©YmaH$ `mÛmao ~±Ho$bm
(Am{U/qH$dm ~±Ho$Zo {ZdS>boë`m V¥Vr` njmbm) Aer _m{hVr CKS> H$aÊ`mgmR>r g§_Vr XoV Amho.
31. {g{~b
H«o${S>Q> BÝ\$m°_}eZ ã`wamo Am°\$ B§{S>`m ({g{~b) Am{U BVa H«o${S>Q> ã`wamoO² ho ^maVr` Am{W©H$ àUmbrMr H$m`©nÕVr gwYmaÊ`mgmR>r
Am{U {VÀ`m ñW¡`m©gmR>r Agbobo ^maV gaH$ma Am{U ^maVr` [aPìh© ~±H$ (Ama~rAm`) `m§Mo CnH«$_ AmhoV. ~±H$m Am{U {dÎmr`
g§ñWm `m§À`m_Üò _m{hVrMr XodmUKodmU H$aÊ`mgmR>r n[aUm_H$maH$ `§ÌUm nwa{dÊ`mgmR>r Ama~rAm` H$arV Agboë`m à`ËZm§Zm Yê$Z
ho Amho. `m CnH«$_mV gh^mJr hmoV Agboë`m gd© ~±H$m Am{U Am{W©H$ g§ñWm `m§Zr {g{~b Am{U BVa H«o${S>Q> ã`wamoO²H$S>o
H$mS>©YmaH$mMm S>oQ>m eoAa H$aUo Amdí`H$ AgVo. da C„oI Ho$boë`mÀ`m Ñ{ï>H$moZmVyZ ~±H$ H$mS>©YmaH$m§ Zm _m{hVr XoD$ BpÀN>Vo H$s,
~±Ho$H$S>o Agboë`m H$mS>©YmaH$mÀ`m ImË`mg§~§YrMm S>oQ>m {g{~bbm H$idrb. H$mS>©YmaH$ `mhrnwT>o H$~yb H$aVmo H$s, H$mS>Y© maH$mbm
nyd©gyMZm Z XoVm Agm S>oQ>m eoAa H$aÊ`mMm ~±Ho$bm A{YH$ma Amho Am{U Aer _m{hVr H$mS>©YmaH$mÀ`m gH$mamË_H$/ZH$mamË_H$
H$m_{Jarer g§~§{YV Agy eH$Vo.
32. dmX Am{U g_PmoË`mgmR>r H$m`©H$jm
32.1 ^maV dJiVm BVa H$moUË`mhr Xoem§À`m H$m`Úm§Mo nmbZ Z Ho$ë`m_wio {Z_m©U Pmbobr H$moUË`mhr àH$maMr àË`j qH$dm AàË`j
O~m~Xmar ~±H$ ñdrH$marV Zmhr. J«mhH$mÛmao H$mS>© ^maV dJiVm BVa Xoem§_Üò A°Šgog H$aVm òVo, Ho$di EdT>çm dñVwpñWVr_wio
Agm AW© bmdbm OmD$ eH$V Zmhr Am{U Ë`mMm Vgm AW© hmoVhr Zmhr H$s, gXa XoemMo H$m`Xo `m {Z`_ d AQ>tZm Am{U/qH$dm
J«mhH$mÀ`m Am{U/qH$dm V¥Vr` njm§À`m H$mS>©ImË`m§Mo àMmbZ `mgmR>r bmJy AmhoV.
32.2 `m H$amam_wio qH$dm Ë`mÀ`mer g§~§{YV CØdUmao H$moUVohr {ddmX, _VôX Am{U/qH$dm Xmdo ho A{~©Q´>oeZ A°§S> H$m°pÝg{bEeZ A°ŠQ>,
1996 _Yrb VaVwXtZwgma bdmXmÛmao gmoS>dbo OmVrb Am{U `m H$m`ÚmV Oa `mZ§Va H$moUVrhr gwYmaUm H$aÊ`mV AmbrM Va ~±Ho$Zo
{Z`wº$ Ho$boë`m EH$_od n§MmÛmao (A{~©Q´>oQ>a) gmoS>dbo OmVrb. {Xbobm H$moUVmhr {ZdmS>m/{ZX}e A§{V_ Am{U njH$mam§da ~§YZH$maH$
Agob. bdmXmMr ^mfm B§J«Or Agob Am{U Aem àH$maÀ`m bdmXmMo (A{~©Q´>e o Z) {R>H$mU _w§~B© Agob.
32.3 H$mS>©YmaH$ H$ama g§nwï>mV Ambm Varhr ho nmoQ>H$b_ 32 A_bmV amhrb.
33. n`m©`r M°Zoëg_YyZ àmá Ho$boë`m godm§gmR>r A{V[aº$ {Z`_ d AQ>r
H$mS>©YmaH$ _mÝ` H$aVmo H$s, BVa M°ZoëgÀ`m _mÜ`_mVyZ godm àmá H$aUo ho ~±Ho$Mo {Z`_ d AQ>r VgoM gd©gmYmaU ì`dgm`mÀ`m AQ>r
`m§À`m AYrZ Agob Am{U ~±Ho$Zo doimodoir àg¥V Ho$bobo ImË`m§À`m g§MmbZmgmR>rMo {Z`_ VgoM Ama~rAm`Zo qH$dm BVa àm{YH$aUmZo
doimodoir Zì`mZo Ho$bobo {Z`_ d AQ>r `m§À`m AYrZ Agob. {Z`_ d AQ>t_Üò g§Kf© {Z_m©U Pmë`mg n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ
øm godm§gmR>r Agbobo {Z`_ d AQ>r g§~§{YV AgVrb.
33.1 ì`m»`m:
""n`m©`r M°Zoëg''/""BboŠQ´>m°{ZH$ ~±qH$J'' _Üò àm`_ar H$mS>©YmaH$mbm \$moZ ~±qH$J, B§Q>aZoQ> ~±qH$J Am{U B©_obÛmao nmR>dbobo
{ddaU, _mo~mB©b ~±qH$J Am{U _mo~mB©b AbQ>²©g `m§Mm g_mdoe Amho.
""AbQ>©²g'' åhUOo em°Q>© _ogoqOJ gpìh©g åhUyZ nmR>{dboë`m {Q´>Jg©Zm nmR>{dbobo H$ñQ>_mB©ÂS> _ogoOog.
H$mS>©YmaH$mbm Ë`mÀ`m _mo~mB©b \$moZda qH$dm Ë`mÀ`m Z_yX Ho$boë`m B©-_ob nÎ`mda nmR>{dbobo B©-_ob åhUyZ nmR>{dbobo
(""EgE_Eg'').
""H$m_H$mOmMr doi'' åhUOo Á`m doioV H$m_H$mOmÀ`m {Xder ~±H$ CKS>r AgVo Vr doi Am{U H$m_H$mOmMr doi ~±Ho$À`m àËòH$
emIogmR>r doimodobr A{Ygy{MV Ho$ë`mZwgm doJdoJir Agy eH$Vo.
""grEgnr'' åhUOo goë`wba gpìh©g àmoìhm`S>a, Á`mÀ`mgmo~V _mo~mB©b ~±qH$J gw{dYm nwa{dÊ`mgmR>r ~±Ho$Zo ì`dñWm Ho$bobr AgVo
Vmo.
""{Q´>Jg©'' åhUOo àm`_ar H$mS>©YmaH$mgmo~V Ë`mÀ`m ImË`mÀ`m g§~§YmV ~±H$m§Zm g§~§{YV AbQ>©²g nmR>dVm `mdoV åhUyZ {d{eï
àg§J/ì`dhma `mgmR>r àm`_ar H$mS>©YmaH$mZo goQ> H$am`Mo qH$dm R>odmd`mMo H$ñQ>_mB©ÂS> {Q´>Jg©. >
33.2 godm:
n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ {Xë`m OmUmè`m godm ~±Ho$Ûmao ñdV:À`m {ddoH$m{YH$mamV Am{U H$mS>©YmaH$mÀ`m gmo`rgmR>r åhUyZ
nwadë`m OmVmV. H$mS>©YmaH$ øm godm§Mm bm^ Ë`mÀ`m ñdV:À`m OmoI_rda KoD$ eH$Vmo. `m {Z`_ d AQ>tÀ`m ì`{V[aº$ ~±Ho$Zo n`m©`r
M°ZoëgÀ`m _mÜ`_mVyZ godm§Mm Cn`moJ, A°Šgog Am{U àMmbZ `m§gmR>r doimodoir àñVwV Ho$boë`m _mJ©Xe©H$ VÎdm§Mo nmbZ Ho$bo
nm{hOo.
33.3 H$mS>©YmaH$mMr AmoiI nQ>dUo Am{U A{Yà_m{UV H$aUo:
(i) ~±Ho$Zo {ZYm©[aV Ho$ë`mZwgma H$mS>©YmaH$mMm nmgdS>©/{nZ/`wOa Am`S>r qH$dm H$mS>©YmaH$mMr AmooiI nQ>{dUmè`m BVa ~m~tÀ`m
_mÜ`_mVyZ H$mS>©YmaH$mMo A{Yà_mUZ (Am°W|{Q>Ho$eZ) Ho$ë`mZ§VaM B§Q>aZoQ> ~±qH$Jbm nadmZJr {Xbr OmB©b. A{Yà_mUZ Pmë`mZ§Va
H$mS>©YmaH$ `mÛmao ~±Ho$bm n`m©`r M°ZoëgÀ`m (Ë`mMm nmgdS>© / {nZ / `yOa Am`S>r dmnéZ) _mÜ`_mVyZ àmá Pmbobo ì`dhma
H$aÊ`mgmR>r ñnï> nadmZJr XoV Amho Am{U Vr Aem H$mS>©YmaH$mH$Sy>Z CØdbobr Amho Ago g_OÊ`mV òB©b. n`m©`r M°Zoëg_YyZ àmá
Pmbobr qH$dm nmgdS>©/{nZ/`wOa Am`S>r `m§Mr nS>VmiUr Ho$ë`mMm AndmX dJiVm H$mS>©YmaH$mZo nmR>{dë`mMm AÝd`mW© Agboë`m
ì`dhmamÀ`m {dZ§VrMr nS>VmiUr H$aÊ`mgmR>r ~±H$ CÎmaXm`r Zgob.
(ii) ~±Ho$bm Oa Ago dmQ>bo H$s, n`m©`r M°Zob{df`rÀ`m gyMZm H$Xm{MV H$mS>©YmaH$mZo A{Yà_m{UV Ho$boë`m Zgy eH$VmV, Va Ë`mMo `mo½`
àH$mao A{Yà_mUZ Pmbo hmoVo H$m ho VnmgyZ nmhÊ`mMm ~±Ho$Zo `mo½` Vo à`ËZ Ho$ë`mZ§Va Ë`m gyMZm§Mr A§_b~OmdUr H$aÊ`mg qH$dm
Ë`m gyMZm§À`m AmYmao Ho$bobr H$moUVrhr H¥$Vr _mJo KoÊ`mg ZH$ma XoD$ eH$Vo. ~±Ho$bm Oa amñVnUo Ago dmQ>bo H$s, {Xboë`m gyMZm
Iè`m ZmhrEV qH$dm AÝ`Wm A`mo½` qH$dm Añnï> AmhoV qH$dm e§H$mñnX AmhoV Va ~±H$ ñdV:À`m {ddoH$m{YH$mamV Ë`m§Mo nmbZ
H$aÊ`mg ZH$ma XoD$ eH$Vo. Aem àH$mao gyMZm§Mo nmbZ H$aÊ`mg ZH$ma {Xë`m_wio qH$dm Ë`m CbQ> {\$adë`m_wio ([aìhg©b)
H$mS>©YmaH$mbm/V¥Vr` njmbm Pmboë`m H$moUË`mhr ZwH$gmZmgmR>r ~±H$ O~m~Xma Zgob.
33.4 \°$ŠgÛmao H$mS>©YmaH$mbm g§kmnZ (H$å`w{ZHo$eZ):
H$mS>©YmaH$mZo {dZ§Vr Ho$ë`mg ~±H$ H$mS>©YmaH$mÀ`m H$mS>©²g/H$mS>I
© mË`m§{df`rMr _m{hVr \°${g_ob (""\°$Šg'') (H$mS>©YmaH$mZo {Xboë`m
\°$Šg H«$_m§H$mda) nmR>dy (H$mS>Y© maH$mZo Ano{jbobr) nmR>dy eHo$b, Or ImOJr Am{U JmonZr` ñdê$nmMr Agob Am{U Aer _m{hVr
Oa H$moUË`mhr V¥Vr` njmÀ`m hmVr nS>br, Va Ë`mgmR>r H$mS>Y© maH$ ~±Ho$bm O~m~Xma YaUma Zmhr.
33.5 ì`dhmam§À`m Zm|Xr:
n`m©`r M°Zoëgdarb ì`dhmam§À`m ~±Ho$Zo ñdV: g§JUH$ àUmbrÀ`m _mÜ`_mVyZ qH$dm AÝ`Wm amIboë`m Zm|Xr A§{V_ åhUyZ ñdrH$maë`m
OmVrb Am{U Ë`m ~±Ho$da Am{U H$mS>©YmaH$mda gd© CÔoem§gmR>r ~§YZH$maH$ amhVrb Am{U H$mS>©YmaH$ ~±Ho$À`m Aem Zm|Xr H$moUË`mhr
haH$Vr{edm` qH$dm {ZfoYm{edm` AmoiIVmo, Ë`m{df`r h_r XoVmo Am{U _mÝ` H$aVmo. H$mhr M°ZoëgÀ`m A§J^yV d¡{eîQ>çm§_wio
H$mS>©YmaH$mZo n`m©`r M°Zoëgda Ho$boë`m qH$dm à`ËZ Ho$boë`m ì`dhmam§Mr qàQ>AmD$Q> KoD$ eH$Vmo. na§Vw \$º$ ~±Ho$Zo R>odboë`m Zm|XrM
_mÝ` Ho$ë`m OmVrb. n`m©`r M°Zoëgda ì`dhma H$aÊ`mgmR>r {dZ§Vr Ho$ë`mZ§Va ~±Ho$Zo Vmo ì`dhma Ho$ë`m~Ôb qH$dm Z Ho$ë`m~Ôb
H$mS>©YmaH$ Ë`m{df`r à{VamoY Z H$aÊ`mMo H$mS>©YmaH$ {dZmAQ> H$~yb H$aVmo Am{U _mÝ` H$aVmo.
33.6 nmgdS>© (nmgdS>©²g)/`wOa Am`S>r:
(i) H$mS>©YmaH$mbm n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ godm§Mm bm^ KoÊ`mgmR>r ~±Ho$Ûmao nmgdS>©²g/{nZ/H$mS>© Am{U/qH$dm `wOa Am`S>r {Xbm
OmB©b. àm`_ar H$mS>©YmaH$mbm ho N>oS>N>mS> Z H$aVm òÊ`mOmo½`m grb~§X {b\$mâ`mVyZ (""_oba'') àmá hmoVrb. àm`_ar H$mS>©YmaH$mZo
_oba H$moUVrhr N>oS>N>mS> Z hmoVm àmá Pmbobm Amho ømMr ImVaO_m H$amdr Am{U Vmo Oa Vgm Zgob, Va H$mS>©YmaH$mZo Ë`mZ§Va
VmËH$mi boIr ñdê$nmV qH$dm \$moZÛmao ~±Ho$bm Vgo H$idmdo.
(ii) Oa gbJ 3 (VrZ) doim (qH$dm ~±Ho$Zo doimodoir R>a{dboë`m doim) MwH$sMm nmgdS>©/{nZ à{dï> Ho$bm, Va H$mS>©YmaH$mbm
BboŠQ´>m°{ZH$ ~±qH$J_YyZ {_iUmè`m godm {ZpîH«$` H$aÊ`mV òVrb. Ago KS>ë`mg, ~±H$ ñdV:À`m {ddoH$m{YH$mamV {d{eï>
H$mbmdYrZ§Va Agm A°Šgog AmnmoAmn nwÝhm g{H«$` H$arb.
(iii) ~±Ho$Zo {ZYm©[aV Ho$boë`m gbJ H$mbmdYrgmR>r Oa godm§Mm Cn`moJ Ho$bm Jobm Zmhr, Va ~±H$ nmgdS>©/{nZ/`wOa Am`S>r {ZpîH«$`
H$ê$ eHo$b. H$mS>©YmaH$ Agm A°Šgog VmËnwaË`m ñdê$nmV {ZpîH«$` H$aÊ`mgmR>rhr {dZ§Vr H$ê$ eH$Vmo. n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ
godm§gmR>r A°Šgog nwÝhm g{H«$` H$aÊ`mgmR>r H$mS>©YmaH$mZo ~±Ho$bm \$moZ H$ê$Z qH$dm ~±Ho$Zo R>adyZ {Xboë`m _mJmªZr, ~±Ho$bm Amdí`H$
Agbobo qH$dm {d{hV Ho$bobo Vnerb nwadyZ H$i{dboM nm{hOo Am{U Aem àH$mao nmR>{dbobr _m{hVr AMyH$ Amho Ago g_Obo
nm{hOo.
33.7 nmgdS>©/{nZ/`wOa Am`S>r `m§Mr gwa{jVVm Am{U JmonZr`Vm:
(i) H$mS>©YmaH$ _mÝ` H$aVmo Am{U H$~yb H$aVmo H$s, Ë`mÀ`m H$mS>©À`m Vn{ebm§Mr Am{U nmgdS>©/{nZMr JwáVm amIÊ`mgmR>r Vmo ñdV:M
O~m~Xma Agob. H$mS>©YmaH$mZo Ë`mÀ`m n`m©`r M°ZoëgÀ`m dmnamgmR>rÀ`m gwa{jVVoMo g§ajU H$aÊ`mgmR>r V`ma H$aÊ`mV Amboë`m BVa
H$moUË`mhr Amdí`H$Vm§Mo nmbZ Ho$boM nm{hOo, Á`m doimodoir _mJ©Xe©H$ gyMZm§_Üò {Xboë`m AgVmV qH$dm H$mS>©YmaH$mbm H$i{dë`m
OmVmV.
(ii) \$º$ àm`_ar H$mS>©YmaH$M EH$Q>m n`m©`r M°Zoëger g§nH©$ gmYy eHo$b Am{U Ë`m§À`m _mÜ`_mVyZ gyMZm XoD$ eHo$b ømMr ImVaO_m
H$aÊ`mgmR>r Ë`mZo gX¡d nwT>rb gwajm H$m`©àUmbtMo AZwnmbZ Ho$bo nm{hOo: (i) H$mS>©YmaH$mZo Ë`mMm nmgdS>©/{nZ {Z`{_VnUo qH$dm
~±Ho$bm Vgo Amdí`H$ Agë`mg ~Xbbm nm{hOo; (ii) Ë`mZo AmYr dmnabobm qH$dm Á`mMm BVam§Zm A§XmO bmdVm òB©b Agm
nmgdS>©/{nZ {ZdSy> Zò; (iii) Ë`mÀ`m nmgdS>©/{nZMo gX¡d g§ajU Ho$bo nm{hOo Am{U Ë`mÀ`m nmgdS>©/{nZMo Vneb BVa
H$moUmH$S>ohr (A°S>-Am°Z H$mS>©YmaH$ qH$dm ~±Ho$Mo H$_©Mmar `m§À`§mgh) CKS> H$ê$ Zò; (iv) nmgdS>©/{nZ Aem àH$mao Zm|XdyZ R>ody Zò
H$s, Á`m_wio Vmo H$moUË`mhr V¥Vr` njmbm dmMVm qH$dm {_idVm òB©b; (v) eŠ`Vmo nmgdS>©/{nZ bjmV R>do mdm Am{U Ë`mÀ`m
Zm|Xr Zï> H$ê$Z Q>mH$mì`mV; (vi) Ë`mÀ`mdVrZo BVa H$moUmbm n`m©`r M°ZoëgÀ`m _mÜ`_mVrb godm dmnaÊ`mMr nadmZJr XoD$ Zò;
(vii) Ooìhm Vmo n`m©`r M°Zoëgda bm°½S> Am°Z AgVmo, Voìhm Ë`mZo {gñQ>r_ gmoSy>Z OmD$ Zò Am{U Vmo Ooìhm àËòH$ doir Aem
{gñQ>r_nmgyZ Xÿa OmB©b Voìhm Ë`mZo n`m©`r M°Zoëg_YyZ bm°J-AmD$Q> H$amdo; (viii) bmoH$b ZoQ>dH©$bm (EZEEZ) OmoS>boë`m H$moUË`mhr
B{¹$n_|Q>dê$Z qH$dm {S>ìhmB©gdê$Z n`m©`r M°Zoëg A°Šgog H$ê$ ZòV, Ogo H$m`m©b`mVyZ, Aem àH$mao H$s BVa H$moUrhr Ë`mMm
nmgdS>©/{nZ nmhÿ qH$dm H$m°nr H$arV Zmhr, ømMr ImVaO_m H$ê$Z. Cnamoº$ gwajm H$m`©àUmbrMo nmbZ H$aÊ`mV Vmo Aèñdr
Pmë`m_wio Oa H$moUVohr ZwH$gmZ Pmbo, Va H$mS>©YmaH$mZo ~±Ho$bm Ë`mMr ânmB© H$aÊ`mMr h_r {Xbr nm{hOo.
(iii) H$mS>©YmaH$mÀ`m Ago bjmV Ambo qH$dm e§H$m Ambr H$s, Ë`mMm nmgdS>©/{nZ qH$dm Ë`mn¡H$s H$mhr ^mJ BVa H$moUmbm _mhrV Pmbobm
Amho, Va Ë`mZo n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ ñdV:M VmËH$mi nmgdS>©/{nZ ~XbbmM nm{hOo. ho Oa eŠ` Pmbo Zmhr, Va
H$mS>©YmaH$mZo ~±Ho$bm \$moZÀ`m _mÜ`_mVyZ VmËH$mi H$i{dbo nm{hOo. ZdrZ nmgdS>©/{nZ goQ> An hmoB©n`ªV ~±H$ n`m©`r M°ZoëgÀ`m
_mÜ`_mVyZ {_iUmè`m godm {Zb§{~V H$ê$ eHo$b. Aem A{YgyMZonydu Ho$bobm H$moUVmhr ì`dhma g§nyU©nUo \$º$ H$mS>©YmaH$mÀ`m
OmoI_rda Am{U Ë`mÀ`m IMm©Zo Ho$bobm Agob.
(iv) nmgdS>©/{nZ/`wOa Am`S>r Jhmi hmoUo: Oa H$mS>YmaH$ Ë`mMm nmgdS>©/{nZ {dgabm qH$dm Vmo Jhmi Pmbm, Va Ë`mZo ~±Ho$Zo
{ZYm©[aV Ho$boë`m nÕVrZo ~±Ho$bm H$i{dbo nm{hOo, Or {VÀ`m ñdV:À`m {ddoH$m{YH$mamV ZdrZ nmgdS>©/{nZ nwÝhm OZaoQ> H$ê$Z
nmR>{dÊ`mMr ì`dñWm H$arb.
33.8 H$mS>©YmaH$mMr O~m~Xmar/~±Ho$Mo A{YH$ma:
(i) n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ godm§Mr gwa{jVVm Am{U Ë`m§À`mn`ªV AZ{YH¥$VnUo nmohmoMVm òD$ Zò åhUyZ ~±Ho$bm `mo½` dmQ>ob Aem
V§ÌkmZmMm dmna Vr H$ê$ eHo$b. ~±H$ gdm}Îm_ V§ÌkmZmMm dmna H$aÊ`mMm à`ËZ H$arb, nU H$mS>©YmaH$mbm ho g_OVo H$s,
V§ÌkmZmÀ`m ñdê$nm_wio {gñQ>r_ {ZYm}H$ Am{U N>oS>N>mS> H$aÊ`mnmgyZ gwa{jV R>odUo H$Xm{MV eŠ` hmoUma Zmhr.
(ii) H$mS>©YmaH$ H$~yb H$aVmo Am{U {dZmAQ> ñdrH$ma H$aVmo Am{U _mÝ` H$aVmo H$s, Oa n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ Am{U/qH$dm
nmgdS>©/{nZÀ`m J¡admnam_wio/AZ{YH¥$V dmnam_wio qH$dm Ë`mÀ`m H$mS>©{df`rMr qH$dm H$mS>©ImË`m{df`rMr _m{hVr ~±Ho$Zo BVa
H$moUm ì`º$sH$S>o CKS> Ho$ë`m_wio qH$dm nmgdS>©/{nZMm dmna H$ê$Z ì`dhma qH$dm gyMZm§da A_b Ho$ë`mZo H$mS>©YmaH$mbm ZwH$gmZ
nmohmoMbo, Va Vmo Ë`mgmR>r H$moUË`mhr àH$mao ~±Ho$bm O~m~Xma YaUma Zmhr. Oa H$mS>©YmaH$ gwa{jVVoÀ`m Am{U JmonZr`VoÀ`m
Amdí`H$Vm§Mo nmbZ H$ê$ eH$bm Zmhr, Va Ë`mbm AZ{YH¥$V dmnamgmR>rMr O~m~Xmar ¿`mdr bmJy eH$Vo. `m ~m~VrV ~±H$
H$moUË`mhr n[apñWVrV O~m~Xmar KoV Zmhr.
33.9 ì`dhmam§da à{H«$`m H$aUo:
(i) n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ Ho$boë`m ì`dhmam§da à{H«$`m H$aÊ`mgmR>rMm doi hm Ë`m§da hmVm§Zr (_°Ý`wAbr) à{H«$`m Ho$br OmVo H$s
BboŠQ´>m°{ZH$br Ho$br OmVo qH$dm Ë`m§da H$m_H$mOmMr doi g§në`mZ§Va à{H«$`m Ho$br OmVo qH$dm H$m` `m§Zwgma doJdoJir Agy eH$Vo.

H$mS>© ãbm°H$ H$aÊ`mÀ`m {dZ§VrgmR>r qH$dm BVa VmVS>rÀ`m/_hÎdmÀ`m {dZ§VrgmR>r H$mS>©YmaH$mZo ~±Ho$H$S>o nmR>nwamdm Ho$bm nm{hOo
Am{U Ë`m§Mr Zm|X ~±Ho$Zo àË`j Ho$bobr Agë`mMr/Ë`m§da H$madmB© Ho$ë`mMr ImVaO_m Ho$br nm{hOo.
(ii) H$mS>©YmaH$mZo EH$Xm n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ gyMZm {Xbr, H$s H$mS>©YmaH$mbm Vr _mJo KoVm òUma Zmhr. H$mS>©YmaH$mZo {Xbobr
gyMZm _mJo KoÊ`m~Ôb qH$dm geV© qH$dm _mJo KoÊ`mOmoJr gyMZm qH$dm Zoh_rÀ`m ~±qH$J à{H«$òMm Adb§~ H$ê$Z n¡go XoUo eŠ`
Agob, Ë`mnojm bdH$a XoÊ`mgmR>r V¥Vr` njmbm n¡go XoD$Z ñdrH$maÊ`mg ~±H$ CÎmaXm`r Zgob. ~±H$ ñdV:À`m {ddoH$m{YH$mamV
H$moUVrhr E§Q´>r, Omon`ªV Vr {Z`_m§VJ©V Am{U ~±qH$J {gñQ>r_À`m àM{bV [admOm§VJ©V H$mS>©YmaH$mÀ`m IMm©Zo CbQ>r {\$adUo
([aìhg©) eŠ` Agë`mÀ`m _`m©Xon`ªV CbQ> {\$adÊ`mMm à`ËZ H$arb.
(iii) H$mS>©YmaH$ `mÛmao nwï>r H$aVmo Am{U H$~yb H$aVmo H$s, {ZYrMo hñVm§VaU BboŠQ´>m°{ZH$ _mÜ`_mVyZ Ho$bobr no_|Q²>g hr Am`H$a H$m`Xm,
1961 À`m H$b_ 40A (3) À`m AYrZ AgVrb.
(iv) n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ godm§À`m _mJm©Zo CnbãY Agbobr Am{W©H$ _m{hVr hr \$º$ g§X^m©gmR>r AgVo. `m godoÀ`m _mÜ`_mVyZ
CnbãY Agboë`m _m{hVr_Üò ~±Ho$À`m hmVmV Agboë`m, nU Á`m§À`mda à{H«$`m H$aUo ~mH$s Amho qH$dm Á`m§Mr no_|Q>gmR>r nS>VmiUr
AOyZ ìhm`Mr Amho Aem ì`dhmam§Mr _m{hVr H$Xm{MV à{Vq~{~V hmoUma Zmhr. Aem àH$maÀ`m H$moUË`mhr _m{hVrÀ`m
n[aUm_ñdê$nr H$mS>©YmaH$mbm qH$dm V¥Vr` njmbm Pmboë`m H$moUË`mhr ZwH$gmZmgmR>r qH$dm hmZrgmR>r ~±H$ O~m~Xma Zgob.
(v) H«o${S>Q>/H°$e {b{_Q> CnbãY Agë`mg n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ àmá Pmbobo {ZYrMo hñVm§VaU Am{U no_|Q>Mo ì`dhma nyU©
H$aÊ`mMm ~±H$ à`ËZ H$arb Am{U Aer hr no_|Q> H$aÊ`mMr H¥$Vr Z Ho$ë`mÀ`m H$maUmñVd qH$dm ~±Ho$À`m amñV {Z`§ÌUmnbrH$S>rb
n[apñWVr_wio no_|Q> C{eam Pmë`mg ~±H$ O~m~Xma AgUma Zmhr.
33.10 _`m©Xm:
(i) ~±H$ ñdV:À`m _OuZo H$mS>©YmaH$mZo n`m©`r M°Zoëg_Üò Ho$boë`m ì`dhmamgmR>r {H$_mZ Am{U H$_mb _`m©Xm nwÝhm R>ady eH$Vo . øm
_`m©Xm H$mS>©YmaH$mbm {Xboë`m EHy$UM nV_`m©Xonojm H$_r Agy eH$VmV. Aem _`m©Xm ~±Ho$Zo doimodoir {ZYm©[aV Ho$boë`m à_mnH$m§da
AmYm[aV Agy eH$VmV.
(ii) gd© EQ>rE_O²Zm {H$_mZ/H$_mb ì`dhmam§À`m _`m©Xm bmJy AgVrb Am{U doJdoJù`m ~±H$mÀ`m ZoQ>dH©$À`m _mbH$sÀ`m, doJdoJù`m
Xoem§À`m EQ>rE_O²Zwgma Ë`m doJdoJù`m Agy eH$VmV. doJdoJù`m EQ>rE_²O/ZoQ>dŠg© À`m _mÜ`_mVyZ Ho$boë`m ì`dhmam§gmR>rÀ`m
_`m©XoVrb EH$g_mZVoÀ`m A^mdm_wio H$mS>©YmaH$mMo hmoUmao H$moUVohr ZwH$gmZ qH$dm J¡agmo` `mgmR>r ~±H$ O~m~Xma Zgob.
33.11 n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ godm§Mm Cn`moJ H$aÊ`mMr g§Yr:
n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ godm§Mm Cn`moJ H$aÊ`mMr g§Yr H$mS>©YmaH$mZo {dZ§Vr Ho$ë`mg Am{U ~±Ho$À`m {ddoH$m{YH$mamV CnbãY
H$ê$Z {Xbr OmB©b. H$mS>©YmaH$mÀ`m H$mS>©²ger qH$dm H$mS>©ImË`m§er OmoS>boë`m gd© ImË`m§Mm Cn`moJ H$aÊ`mMr g§Yr n`m©`r M°ZoëgÀ`m
_mÜ`_mVyZ, øm {Z`_ d AQ>tÀ`m AYrZ amhÿZ, {Xbr OmD$ eH$Vo. na§Vw àËòH$ H$mS>©da qH$dm H$mS>©ImË`mda dmna H$aÊ`mMr g§Yr
CnbãY Agboë`m ì`dhmam§Mo ñdê$n Ë`m H$mS>©²gÀ`m/H$mS>©ImË`m§À`m Am°naoqQ>J _±S>oQ>da Adb§~yZ Agob.
33.12 _`m©Xm§Mm nwago onUm:
nwaoer nV_`m©Xm amIÊ`mMr ImVaO_m H$aUo hr nyU©V: H$mS>©YmaH$mMr O~m~Xmar Amho. Oa øm _`m©XoMo C„§KZ H$aÊ`mMm Oa à`ËZ
Pmbm, Va n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ nwa{dÊ`mV Amboë`m gw{dYm ~±H$ H$mTy>Z KoB©b qH$dm {Vbm `mo½` dmQ>Vrb Aer nmdbo
CMbrb.
33.13 gm°âQ>doAa Am{U hmS>©doAa:
~±Ho$À`m àUmbrbm AZwnyaH$ Agboë`m n`m©`r M°ZoëggÀ`m _mÜ`_mVyZ godm àmá H$aÊ`mgmR>r doimodoir bmJy Agob Ë`mZwgma
H$mS>©YmaH$ Ë`mÀ`m IMm©Zo gd© gm°âQ>doAa Am{U g§JUH$ Am{U H$å`w{ZHo$eZ {gñQ>råg àmá H$ê$Z Ë`m§Mr XoI^mb H$amdr d Vr
AnS>oQ>/AnJ«oS> H$amdrV. gm°âQ>doAa, hmS>©doAa, Am°naoqQ>J {gñQ>r_, BË`mXt_Üò doimodoir ~Xb H$aÊ`mMo qH$dm AnJ«oS> H$aÊ`mMo
~±Ho$bm ñdmV§Í` Agob Am{U H$mS>©YmaH$mÀ`m gm°âQ>doAabm, hmS>©doAabm, Am°nao{Q>J§ {gñQ>r_bm gnmoQ>© H$aÊ`mMr O~m~Xmar ~±Ho$da
Zgob Am{U hr \$º$ H$mS>©YmaH$mMrM O~m~Xmar Agob.
33.14 ~m¡{ÕH$ g§nXm:
H$mS>©YmaH$ H$~yyb H$aVmo Am{U _mÝ` H$aVmo H$s, godm nwa{dUmè`m gm°âQ>doAa_Yrb VgoM n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ H$mS>© A°Šgog
H$aÊ`mgmR>rÀ`m godm àmá H$aÊ`mgmR>r Agboë`m BVa gm°âQ>dA o a_Yrb ~m¡{ÕH$ g§nXoMo A{YH$ma hr ~±Ho$Mr qH$dm g§~§{YV ìh|S>g©Mr
H$m`Xoera _mb_Îmm Amho. ~±Ho$Zo H$mS>©/H$mS>©ImVr A°Šgog H$aÊ`mgmR>r Am{U godm§Mm Cn`moJ H$aÊ`mgmR>r nadmZJr {Xë`mZo
gm°âQ>doAaÀ`m ~m¡{ÕH$ g§nXoV _mbH$s qH$dm _mbH$sh¸$ {Z_m©U H$aUma Zmhr. H$mS>©YmaH$mZo Cnamoº$ gm°âQ>doAa_Üò ~Xb H$aÊ`mMm,
^mfm§V[aV H$aÊ`mMm, doJdoJio H$aÊ`mMm, {S>H§$nmB©b H$aUM`m qH$dm [aìhg© B§{O{ZAa H$aÊ`mMm à`ËZ H$ê$ Zò qH$dm gm°âQ>doAaMm
gmog© H$moS> H$m°nr H$ê$ Zò qH$dm gm°âQ>doAada AmYm[aV H$moUVohr S>o[apìh{Q>ìh àm°S>ŠQ> {Z_m©U H$aÊ`mMm à`ËZ H$ê$ Zò.
33.15 ìhmàgognmgyZ g§ajU H$aUo:
H$mS>©YmaH$mMr {gñQ>r_ qH$dm H$moUVmhr g§JUH$ qH$dm BVa B{¹$n_|Q> qH$dm {S>ìhmB©g, Á`mVyZ H$mS>©YmaH$ B§Q>aZoQ> ~±qH$J A°Šgog H$aVmo
Vo H$moUË`mhr H$m±ß`wQ>a ìhmàgnmgyZ qH$dm AemM àH$maÀ`m gm°âQ>doAa/{S>ìhmB©gnmgyZ _wº$ Agob `mgmR>r H$mS>©YmaH$mZo amñV Am{U
ì`dhm`© H$miOr KoVbrM nm{hOo, Á`mV H$moUË`mhr _`m©Xo{edm`, Á`m gm°âQ>doAg©Zm gd©gm_mÝ`nUo gm°âQ>doAa ~m±ãO, Q´>mOo Z hm°g}g
Am{U dåg© (""ìhmàg'') Ago åhUVmV Ë`m§Mmhr g_mdoe Amho Am{U Ë`m§Mr nwae o m à_mUmV XoI^mb Ho$br OmB©b Am{U àËòH$
~m~VrV gwa{jV amhrb ømMr H$miOr ¿`mdr. ~±H$ Oar ìhmàgogZm Am{U BVa Aem àH$maÀ`m {dZmeH$mar gm{hË`mbm ~±Ho$À`m
g§Ho$VñWimda Amim KmbÊ`mMm à`ËZ H$arV Agbr, Var Ë`mMm AW© Agm hmoV Zmhr, AmídmgZ qH$dm Aer h_r XoV Zmhr H$s
~±Ho$Mo g§Ho$VñWi {H$dm ~±Ho$À`m g§Ho$VñWimdê$Z S>mD$ZbmoS> Ho$bobo gm{hË` (H§$Q>Q| >) qH$dm qbH$ Ho$bobr g§Ho$VñWio `m§_Üò Agm
ìhmàg qH$dm {dZmeH$mar gm{hË` Zgob Agm hmoV Zmhr. Aem àH$maÀ`m ìhm`ger qH$dm {dZmeH$mar gm{hË`mer g§~§Y OmoS>Vm
òUma Zmhr. ~±H$ Aer h_r XoV Zmhr H$s, ~±Ho$Mo g§Ho$VñWi qH$dm H$m`} {dZmAS>Wim qH$m H$moUVrhr MyH$ qH$dm Xmof `m§À`mnmgyZ
_wº$ AgVrb.
33.16 n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ O~m~XmarÀ`m _`m©Xm
H$mS>©YmaH$mbm CnbãY Agboë`m B§Q>aZoQ> ~±qH$JMm Cn``moJ Ho$ë`m_wi/ o Z Ho$ë`m_wio H$mS>©YmaH$mbm Pmboë`m H$moUË`mhr àË`j,
AàË`j, n[aUm_ñdê$nr, Xÿadê$Z qH$dm {deof ZwH$gmZ qH$dm hmZr Pmbr, Va Ë`mgmR>r ~±H$ O~m~Xma Zgob. Á`m n[apñWVrV ~±H$
H$mS>©YmaH$mbm O~m~Xma Zgob Aem CXmhaUm§Mr `mXr (nU Vr VodT>rM Zmhr) nwT>o XoV AmhmoV: (i) Ooìhm Aem àH$maMo ZwH$gmZ
qH$dm hmZr Z¡g{J©H$ AmnÎmr_wio qH$dm Vm§{ÌH$ {~KmS>m_wio Pmbobr AgVo; (ii) H$mS>©YmaH$mMr {gñQ>r_ Am{U ~°§Ho$Mr {gñQ>r_
EH$_oH$m§Zm AZwnyaH$ ZgUo; (iii) H$mS>©YmaH$mÀ`m {gñQ>r_Mm H$mS>©YmaH$mZo qH$dm BVa H$moUr J¡admna H$aUo; (iv) H$mS>©YmaH$mZo B§Q>aZoQ>
~±qH$J dmnaë`m_wio H$mS>©YmaH$mÀ`m H$mS>©er/H$mS>©ImË`mer g§~§{YV _m{hVrer V¥Vr` njmZo {_idbobm A°Šgog; (v) H$mS>©YmaH$mÀ`m
nmgdS>©Mm/{nZMm Cn`moJ V¥Vr` njmZo Ho$bm; (v) Q´>mÝg{_eZÀ`m Xaå`mZ qH$dm AÝ`Wmhr H$moUVmhr S>oQ>m, _m{hVr qH$dm _ogoO
Jhmi hmoUo, AWm©Mm AZW© hmoUo/H$aßQ> hmoU/ o Cera hmoU;o (vi) H$moUVmhr VmoQ>m / {db§~, Aem H$moUË`mhr So>Q>m, _m{hVr qH$dm
g§Xoem_Üò ì`Ë``, qH$dm ~±Ho$À`m {Z`§ÌUmnbrH$S>rb n[apñWVr_wio Ano[jV nÕVrZo ImË`mer A°Šgog hmoV Zgob; (vii)
H$m_H$mOmÀ`m doioV n`m©`r M°Zoëg godm CnbãY ZgUo.
33.17 _mo~mB©b ~±qH$J Am{U AbQ>©²g:
(i) ~±H$ àm`_ar H$mS>©YmaH$mbm _mo~mB©b ~±qH$JMr qH$dm _mo~mB©bda AbQ>©²gMr qH$dm B©_obMr gw{dYm \$º$ _m{hVr XoÊ`mÀ`m CÔoemZo XoD$
eHo$b Am{U Vr ñdV:À`m {ddoH$m{YH$mamV I§{S>V H$ê$ eHo$b. ~±H$ gdm}Îm_ à`ËZ H$ê$Z AmYrM {ZpíMV Ho$bobo H$mhr AbQ>©²g
àX{e©V H$ê$ eHo$b. na§Vw AbQ>©²gMm dº$eranUm, nyU©nUm, AMyH$Vm Am{U èñdr {S>{bìhar `mgmR>r ~±H$ O~m~Xma qH$dm CÎmaXm`r
Zgob.
(ii) H$mS>©YmaH$ ñdrH$maVmo H$s, _mo~mB©b ~±qH$J/_mo~mB©b AbQ>© gw{dYm {d{eï> {ZdS>H$ joÌmV CnbãY Amho Am{U {d{eï> grEgnrO²À`m
_mo~mB©b \$moZ g~ñH«$m`~g©Zm CnbãY Amho. H$mS>©YmaH$mbm ho g_OVo H$s, Vmo Oa {d{eï> grEgnrO²Mm g~ñH«$m`~a Zgob, Va AbQ>©
qH$dm _mo~mB©b ~±qH$J gw{dYm Ë`mÀ`mgmR>r CnbãY Zgob.
(iii) H$mS>©YmaH$ Oa grEgnrÀ`m goë`wba gH©$ëg_Üò H§$dm Aem àH$maÀ`m grEgnrO²À`m amoq_J ZoQ>dH©$Mm {hñgm Agboë`m gH©$b_Üò
Agob, VaM H$mS>©YmaH$mbm _mo~mB©b AbQ>©²g nmR>{dbo OmVrb. H$mS>©YmaH$ H$~yb H$aVmo H$s, AbQ>©²g àmá H$aÊ`mgmR>r Ë`mMm _mo~mB© b
\$moZ "Am°Z' _moS>da AgbmM nm{hOo. ~±Ho$Zo AbQ>© _ogoO nmR>{dë`mZ§Va Oa H$mS>©YmaH$mMm _mo~mB©b gVV 48 (AÇ>oMmirg) Vmg
"Am°\$' _moS>da Agob, Va Vmo {d{eï> _ogoO H$mS>©YmaH$mbm àmá hmoUma Zmhr.
(iv) gyMZm/{Q´>Jg© àmá Pmë`mZ§Va ~±H$ Ë`mda à{H«$`m H$arb Am{U à{H«$`m H$aÊ`mMr doi ~±Ho$Ûmao {VÀ`m {ddoH$m{YH$mamV R>adbr
OmB©b. H$mS>©YmaH$ H$~yb H$aVmo H$s, {Q´>Jg©da à{H«$`m H$ê$Z AbQ>©²g nmR>dÊ`mgmR>r ~±Ho$Ûmao {d{eï> doi KoVbm OmB©b.
(v) H$mS>©YmaH$ H$~yb H$aVmo H$s, nm`m^yV gw{dYm; grEgnrO²Zo Am{U ~±Ho$Zo E§JoO Ho$boë`m godm nwa{dUmè`m§Zr nwa{dboë`m H$ZopŠQ>pìhQ>r
Am{U godm `m§da Am{U grEgnrO² Am{U BVa godm nwa{dUmè`m§da n[aUm_ H$aUmè`m KQ>H$m§da Adb§~yZ AgVrb.
(vi) ~±H$ gdm}Îm_ à`ËZ H$ê$Z gw{dYm nwa{dÊ`mMm à`ËZ H$arb Am{U gw{dYm CnbãY Zgë`m~Ôb qH$dm AbQ>²©g {S>{bìha Z Pmë`m~Ôb
qH$dm H$moUË`mhr grEgnrZo qH$dm BVa godm nwa{dUmè`m§Zr H$m_{Jar nma nmS>br Zmhr åhUyZ qH$dm gw{dYoMm dmna Ho$ë`m_wio
H$mS>©YmaH$mbm Pmboë`m ZwH$gmZmgmR>r qH$dm hmZrgmR>r (H$mS>Y© maH$mÀ`m Jw§VdUwH$sÀ`m qH$dm ì`dgm`mÀ`m hoVyZo Amboë`m AbQ>©²gda
Adb§~yZ am{hë`mZo `mgh) ~±Ho$À`m {Z`§ÌUm~mhoa Agboë`m H$maUm§gmR>r H$mS>©YmaH$ ~±Ho$bm O~m~Xma YaUma Zmhr.gagH$Q> Xþb©j
qH$dm hoVynwañga Hw$MamB© `m§Mm AndmX dJiVm, gw{dYm§À`m Cn`moJ§mÀ`m ~m~VrV ~±H$ H$moUË`mhr àH$mao H$mS>©YmaH$mbm CÎmaXm`r
Zgob.
(vii) H$mS>©YmaH$ ñdrH$ma H$aVmo H$s, àËòH$ AbQ>_© Üò H$mS>©YmaH$mer g§~§{YV _m{hVr Agy eH$Vo. H$mS>©YmaH$ ~±Ho$bm H$mS>©er g§~§{YV gd©
_m{hVr, Oar Img {dZ§Vr Ho$bobr Zgbr Varhr, ~±Ho$bm `mo½` dmQ>ë`mg nmR>{dÊ`mMo A{YH$ma XoV Amho.
(viii) Oa ì`dhm`© Agob, Va ~±H$ `m gw{dYm, ~±Ho$Zo doimodoir A{Ygy{MV Ho$ë`mZwgma BVa goë`wba gH©$ëg_Üò VgoM BVa godm
nwa{dUmè`m§À`m goë`wba Q>o{b\$moÝgÀ`m g~ñH«$m`~g©Zm XoB©b.
(ix) H$mS>©YmaH$ _mo~mB©b ~±qH$J qH$dm AbQ>©Mr gw{dYm dmnaÊ`mgmR>rMr Vnerbdma à{H«$`m ñdV:M _mhrV H$ê$Z KoB©b Am{U H$moUVmhr
ì`dhma H$aVmZm H$mS>©YmaH$mZo H$moUVrhr MyH$ Ho$ë`mg Ë`mgmR>r ~±H$ O~m~Xma Zgob.
(x) H$mS>©YmaH$mÀ`m _mo~mB©b \$moZda qH$dm ~±Ho$H$S>o Zm|Xdboë`m B©_obda AbQ>²©g nmR>{dbo OmVrb. H$mS>©YmaH$ H$~yb H$aVmo H$s, AbQ>©Mr
gw{dYm Q>ßß`mQ>ßß`mZo bmJy Ho$br OmB©b Am{U gd© gw{dYm qH$dm {Q´>Jg© VmËH$mi CnbãY Zgy eH$VmV. H$mS>©YmaH$mÀ`m JaOm nyU©
H$aÊ`mgmR>r ~±H$ CnbãY {Q´>Jg© qH$dm AbQ>©²gMm {dñVma H$aÊ`mMm à`ËZ H$arb. ~±H$ doimodoir H$moUË`mhr {Q>JaÀ`m qH$dm AbQ>©À`m
d¡{eîQ>çm§_Üò ~Xb H$ê$ eHo$b.
(xi) H$mS>©YmaH$ H$~yb H$aVmo H$s, ~±H$ doimodoir Ë`mbm Cn`wº$ Agob _m{hVr qH$dm à_moeZb _oëg Ë`mÀ`m _mo~mB©b \$moZda qH$dm
B©_obÀ`m _mÜ`_mVyZ nmR>drb Am{U Vmo Ë`mÀ`m BÀN>oZwgma H$moUË`mhr doir `m godoVyZ AZg~ñH«$mB©~ H$ê$ eHo$b. H$mS>©YmaH$ Aer
_m{hVr qH$dm _ob àmá H$aÊ`mgmR>r Ë`mMr g§_Vr XoV Amho.
(xii) H$mS>©YmaH$mZo ~±Ho$bm H$i{dboë`m _mo~mB©b H«$_m§H$mMmM Cn`moJ H$aUo Amdí`H$ Amho qH$dm Oa Vmo Ë`mZo Z§Va ~Xbbm, Va Ë`mZo
~±Ho$bm Vm|S>r qH$dm boIr H$idbo nm{hOo. H$mS>©YmaH$ H$~yb H$aVmo H$s, H$moUË`mhr gyMZm XoÊ`mnydu ~±H$ H$Xm{MV Ë`mMm _mo~mB©b
H«$_m§H$/{S>\$m°ëQ> \$moZ Z§~a Ë`mÀ`m H$mS>©À`m/H$mS>©ImË`mer nS>VmiyZ nmhÿ eHo$b (nU Vo A{Zdm`© ZmhrE). H$mS>©YmaH$mÀ`m _mo~mB©b
H«$_m§H$mV qH$dm B©_ob nÎ`mV qH$dm ImË`mÀ`m Vn{ebmV H$moUVmhr ~Xb Pmbm, Va Vo ~±Ho$g H$i{dÊ`mg Vmo O~m~Xma Agob
Am{U ~±Ho$H$S>o Zm|Xdboë`m H$mS>©YmaH$mÀ`m _mo~mB©b \$moZ Z§~ada/B©_ob nÎ`mda/\°$Šg Z§~ada AbQ>²©g qH$dm BVa _m{hVr
nmR>{dÊ`mg ~±H$ O~m~Xma Zgob.
(xiii) _mo~mB©b ~±{H§$JMr gw{dYm \$º$ ~±Ho$bm gyMZm XoÊ`mgmR>r Am{U AbQ>©²g àmá H$aÊ`mgmR>r H$mS>©YmaH$mÛmao dmnabr OmB©b Am{U BVa
H$moUË`mhr CÔoemgmR>r dmnabr OmB©b.
(xiv) ~±Ho$bm Oa Ago dmQ>bo H$s, gyMZm qH$dm {Q´>Jg© Añgb ZmhrV qH$dm AÝ`Wm A`mo½` qH$dm Añnï> AmhoV qH$dm e§H$mñnX AgVrb
qH$dm {Q´>Jg© ~oH$m`Xoera AgVrb qH$dm Ë`mda H$moUË`mhr H$maUmñVd A§_b~OmdUr H$aVm òV Zgob, Va ~±H$ ñdV:À`m
{ddoH$m{YH$mamV H$Xm{MV H$moUË`mhr gyMZoda qH$dm {Q´>Jada A§_b~OmdUr H$aUma Zmhr.
33.18 \$moZ ~±qH$J godm:
(I) ~±H$ `m god|VJ©V doimodoir {d{dY gw{dYm, EH$Va H$_©Mmè`m§À`m _XVrZo qH$dm Am°Q>m_o oQ>oS> \$moZ ~±qH$J {gñQ>r__Üò n`m©` S>m`b
H$ê$Z XoD$ eHo$b. H$mS>©YmaH$ ñdrH$ma H$aVmo H$s, AmVm {Xboë`m qH$dm Á`m `mZ§Va {Xë`m OmD$ eVrb Aem H$moUË`mhr boIr ñQ>±qS>J
BÝñQ´>ŠeÝgÀ`m ì`{V[aº$ ~±H$ WoQ> qH$dm {VZo {Z`wº$ Ho$boë`m à{V{ZYtÀ`m _mÜ`_mVyZ Am{U XÿaÜdZrÛmao gyMZm XoD$Z (Á`m ~±Ho$Ûmao
àË`j qH$dm Am°Q>mo_oQ>oS> {gñQ>r_Ûmao ñdrH$maë`m OmVrb) Ë`mbm _m{hVr {_iÊ`mMr gw{dYm XoV Amho. XÿaÜdZrÛmao {Xboë`m gyMZm§_Üò
~±Ho$Zo doimodoir R>adë`mZwgma H$mS>©YmaH$mMo S>o_moJ«m{\$H$ {S>Q>oëg ~XbÊ`mÀ`m gyMZm§Mmhr g_mdoe Agy eH$Vmo, Ogo amhÊ`mMo {R>H$mU
Am{U/qH$dm nÌì`dhmamMm nÎmm, KaMm Am{U/qH$dm H$m`m©b`mMm nÎmm, _mo~mB©b \$moZ H«$_m§H$ qH$dm H$mS>©YmaH$mMo BVa H$moUVohr
d¡`{º$H$ Vnerb.
(ii) H$mS>©YmaH$mbm OmUrd Amho H$s, Aem àH$maÀ`m XÿaÜdZrdê$Z {_iUmè`m gw{dYoÀ`m g§~§YmV Ë`mZo ~±Ho$bm qH$dm {VZo {Z`wº$ Ho$boë`m
à{V{ZYtZm XÿaÜdZrdê$Z Ë`mMm ImVo H«$_m§H$ Am{U Ë`mZo _yiMm {ZdS>bobm qH$dm ~±Ho$Zo Ë`mbm gwM{dbobm qH$dm Vm|S>r gyMZoÛmao
qH$dm AÝ`Wm Ë`mZ§Va ~Xbobm Q>o{b\$mo{ZH$ ng©Zb Am`S>|{Q>{\$Ho$eZ Z§~a (""Q>r-{nZ'') XoÊ`mMr Amdí`H$Vm AgVo. H$mS>Y© maH$mbm
Agmhr g„m XoÊ`mV òVmo H$s, Vmo Oa Q>moZ-EZo~ëS> Q>o{b\$moZdê$Z H$m°b H$arV Agob, Va Ë`mZo Ë`mMm Q>r-{nZ ~mobyZ XmIdy Zò.
Ë`mEodOr, H$mS>©YmaH$ Ë`mMm Q>r-{nZ B§Q>aA°pŠQ>ìh ìhm°B©g [añnm°Ýg {gñQ>r_da S>m`b H$ê$ eHo$b.
(iii) H$mS>©YmaH$ Oa AmdmO Zgboë`m (Q>moZ gnmoQ>© Zgbobm) Q>o{b\$moZdê$Z H$m°b H$arV Agob, Va H$mS>©YmaH$mZo Ë`mMm Q>r-{nZ ~mobÊ`mMr
JaO AgVo, Á`mZ§Va H$mS>©YmaH$mZo Ë`mMm Q>r-{nZ VmËH$mi ~XbÊ`mMr Amdí`H$Vm AgVo. XÿaÜdZrdarb hr godm H$mS>©YmaH$mÀ`m
AmVm Agboë`m qH$dm `mZ§Va CKS>ë`m OmUmè`m gd© ImË`m§Zm g_m{dï> H$ê$Z KoB©b Am{U bmJy Agob. hr gw{dYm BVa gd©
gw{dYm§Zm, Am°\$[a¨½OZm, gÜ`m ~±H$ gÜ`m XoV Agbobr qH$dm ~±H$ doimodoir gwê$ H$arb Ago ì`dhma H$aÊ`mMr j_Vm `m gdmªZm
bmJy hmoB©b. BVa H$moUË`mhr ImË`m§gmR>r, H«o${S>Q> H$mS>©²ggmR>r qH$dm Ë`mÀ`mH$S>o gÜ`m Agboë`m qH$dm Ë`mZo ^{dî`mV CKS>boë`m
Am{W©H$ CËnmXZm§gmR>r Ë`mbm {Xboë`m (qH$dm Ë`mZo {ZdS>bobm qH$dm ~Xbbobm) øm Q>r-{nZMm Cn`moJ Ë`mÀ`m BVa ImË`m§Zm, H«o${S>Q>
H$mS>©²gZm qH$dm Am{W©H$ CËnmXZm§Zm A°Šgog XoÊ`mgmR>r dmnaÊ`mV òB©b.Am°Q>m_o °Q>oS> qH$dm _°Ý`wAb n`m©`m§darb ì`dhmam§Zm ho bmJy

Agob. H$mS>©YmaH$mbm ømMrhr OmUrd Amho H$s, Q>M-Q>moZ \$moZdê$Z H$m°b H$aVmZm Vmo Ë`mMm Q>r-{nZ CƒmaUma Zmhr, Ë`mEodOr
Ë`mZo Q>o{b\$moZÀ`m S>m`b n°S>da Q>r-{nZ S>m`b H$aÊ`mMr Amdí`H$Vm AgVo. H$mS>© YmaH$mZo Oa Ë`mMm ìhm°B©g Q>r-{nZMm n`m©`
{ZdS>bm, Va H$mS>©YmaH$ Ë`mZ§Va Ë`mMm Q>r-{nZ VmËH$mi ~XbÊ`mMo _mÝ` H$aVmo.
(iv) H$mS>©YmaH$ {dZmAQ> _mÝ` H$aVmo H$s, (i) Ë`mZo {Xboë`m gyMZm§Zwgma ~±Ho$Zo àm_m{UH$nUo Ho$boë`m H¥$Vr_wio Ë`mÀ`m Q>r-{nZMm Cn`moJ
H$moUVohr ImVo, H«o${S>Q> H$mS>©, AmVm Agobobr Am{U Ë`mZo YmaU Ho$bobr qH$dm Vmo ^{dî`mV CKSy> eHo$b Aer Am{W©H$ CËnmXZo
A°Šgog H$aÊ`mgmR>r H$moUVmhr J¡admna qH$dm \$gdUyH$ Ho$br, Va Vmo Ë`mgmR>r ~±Ho$bm O~m~Xma YaUma Zmhr. (ii) Aem gyMZm§Mo
nmbZ H$aVmZm ~±H$ gdm}Îm_ à`ËZ H$ê$Z ho H$arV AgVo Am{U Ë`mZo {Xboë`m gyMZm§da H¥$Vr H$aÊ`mgmR>r ~±Ho$bm {db§~ Pmbm qH$dm
VmËH$mi H¥$Vr H$ê$ eH$br Zmhr Va Ë`mgmR>r Vmo ~±Ho$bm O~m~Xma YaUma Zmhr. (iii) ~±H$ ñdV:À`m {ddoH$m{YH$mamV `m gw{dYogmR>r
H$moUË`mhr doir AmH$ma bmdy eHo$b (H$mS>©YmaH$mbm `mo½` Vr gyMZm XoD$Z) qH$dm Aer gw{dYm nyU©nUo qH$dm H$mhr A§er _mJo KoD$
eHo$b qH$dm {Zb§{~V H$ê$ eHo$b; (iv) ~±Ho$bm Oa Ago dmQ>bo H$s, (~±Ho$À`m `m {ZU©`m~Ôb H$mS>©YmaH$mZo àíZ {dMmê$ Zò qH$dm
dmX {Z_m©U H$ê$ Zò) Aem gyMZm Añgb ZmhrEV qH$dm AÝ`Wm A`mo½` qH$dm Añnï> AmhoV qH$dm e§H$mñnX AmhoV, Va ~±H$
ñdV:À`m {ddoH$m{YH$mamV Aem gyMZm§da A_b Z H$aÊ`mMm {ZU©` KoD$ eH$Vo.
(v) ~±Ho$Zo H$moUË`mhr ImË`mV Ho$boë`m ì`dhmamÀ`m {ddaUmV qH$dm Vn{ebm§_Üò Oa H$mhr ÌwQ>r Agob, Va Ë`m{df`r, {ddaU
(ñQ>oQ>_|Q>) àmá Pmë`mZ§Va ~±Ho$bm gmR> (60) {Xdgm§À`m AmV g§~§{YV ÌwQ>r{df`r boIr H$i{dUo hr H$mS>©YmaH$mMr O~m~Xmar
Agob, Ago Z Ho$ë`mg Agm ì`dhma ~amo~a Amho Am{U H$mS>©YmaH$mZo Vmo ñdrH$mabobm Amho Ago g_OÊ`mV òB©b. ~±Ho$Zo
H$mS>©YmaH$mbm hr gw{dYm nwa{dÊ`mÀ`m ~Xë`mV, H$mS>©YmaH$ ~±Ho$bm gd© H$madmB©, Xmdo, _mJÊ`m, Ý`m{`H$ à{H«$`m, ZwH$gmZ, hmZr,
CËnmXZIM©, AmH$ma Am{U IM©, Oo H$mS>©YmaH$mbm gXa gw{dYm nwa{dë`m_wio qH$dm ~±Ho$Zo H$mS>©YmaH$mÀ`m gyMZm§Zwgma àm_m{UH$nUo
H$moUVrhr H¥$Vr Ho$ë`m_wio qH$dm Z Ho$ë`m_wio, ~±Ho$bm H$moUË`mhr doir H$amdo, gmogmdo, ^moJmdo qH$dm gm_Zm H$amdm bmJob, Ë`mMr
ânmB© H$aÊ`mMo d ânmB© H$arV amhÊ`mMr h_r H$mS>©YmaH$ _mÝ` H$aVmo. H$mS>©YmaH$ _mÝ` H$aVmo H$s, ~±H$ Ooìhm Ë`mÀ`m gmo`rgmR> r
`m gyMZm§da A_b H$aVo Voìhmhr darb h_rÀ`m gd© AQ>r bmJy AgVrb, Oa Vmo Ë`mMm Q>r-{nZ nwady eH$bm Zmhr Va Am{U ~±H$
ñdV:À`m {ddoH$m{YH$mamV Á`m `mo½` Aem àH$maÀ`m BVa VnmgÊ`m A_b H$aÊ`mnydu H$ê$ eHo$b.
(vi) gwa{jVVoÀ`m H$maUmgmR>r Am{U H$mS>©YmaH$mbm Am{U {VÀ`m H$_©Mmè`m§Zm gwa{jV R>do Ê`mgmR>r Am{U H$mhr dmX AgboM Va Vo
{_Q>{dÊ`mgmR>r ~±H$ ñdV:À`m {ddoH$m{YH$mamV H$mS>©YmaH$ Am{U ~±H$ `m§À`mV Pmbobo g§^mfU Q>on qH$dm aoH$m°S>© H$arb, Ë`mMr VgoM
H$mS>©YmaH$mÀ`m gyMZm§Mr Zm|X R>do rb Am{U Ë`m EoHo$b, Am{U H$mS>©YmaH$ `mgmR>r Ë`mMr g§_Vr XoV Amho.
33.19 B§Q>aZoQ> ~±qH$J godm:
(i) B§Q>aZoQ> ~±qH$J godm nwa{dÊ`mgmR>r ~±H$ Á`m {gñQ>r_Mm Cn`moJ H$aVo, {VÀ`mV nwaoem à_mUmV gwa{jVVoMo Cnm` AgVrb; bmJy
Agbobo H$m`Xo, {Z`_, {Z`_mdbr, _mJ©Xe©H$ gyMZm, n[anÌHo$, AmMmag§{hVm Am{U Ë`m{edm` ~mOmanoR>oVrb àM{bV àWm
{dMmamV KoD$Z Aem Am°naoqQ>J {gñQ>r__Yrb OmoI_tda {Z`§ÌU R>odrb Am{U Ë`m§Mo ì`dñWmnZ `mgmR>r amñVnUo ì`dhm`© nmdbo
CMbrb. H$mS>©YmaH$mbm B§Q>aZoQ> ~±qH$Jer OmoS>boë`m OmoI_r, O~m~Xmè`m Am{U CÎmaXm{`Ëdo `m§Mr OmUrd Amho Am{U `mo½` Vmo
{dMma H$ê$ZM Ë`m§Zr Ë`m§Mm bm^ KoVbobm Amho. H$mS>©YmaH$ {ZdoXZ H$aVmo Am{U h_r XoVmo H$s, Ë`mbm g§JUH$/BboŠQ´>m°{ZH$
_{eZar, B©-_ob Am{U B§Q>aZoQ> `m§Mo H$m_MbmD$ kmZ Amho Am{U Ë`m_wio H$mS>©YmaH$mbm B§Q>aZoQ> ~±qH$JMm bm^ KoUo eŠ` hmoB©b.
(ii) àm`_ar H$mS>©YmaH$mH$S>o B§Q>aZoQ> ~±qH$J dmnaÊ`mMr gw{dYm Am{U B©-H$m°_g© gw{dYm Amho; (3) H$mS>©YmaH$ _mÝ` H$aVmo H$s, Ë`mZo
{dZ§Vr Ho$ë`m_wio ~±Ho$Zo H$mS>©YmaH$mbm ~±Ho$À`m g§Ho$VñWimÀ`m (www.kotak.com) _mÜ`_mVyZ H«o${S>Q> H$mS>© ì`dhma H$aÊ`mMr
gw{dYm nwa{dÊ`mMo _mÝ` Ho$bobo Amho.
(iv) H$mS>©YmaH$ ^maVmVrb bmJy Agboë`m gd© H$m`Úm§Zm Am{U Ë`mZo B§Q>aZoQ> ~±qH$JMm dmna Ho$ë`m_wio bmJy hmoUmè`m BVa H$moUË`mhr
H$m`Úm§Zm ~m§Yrb amhÊ`mMo Am{U Ë`m§Mo nmbZ H$aÊ`mMo _mÝ` H$aVmo. B§Q>aZoQ>arb H$moUË`mhr ì`dhmamV Oa naH$s` MbZ nmR>drV
Agob, Va Vo Ama~rAm`À`m {d{Z_` {Z`§ÌU {Z`_mdbrZwgmaM Agob ømMr H$miOr ¿`mdr Agm gmdYmZVoMm Bemam XoÊ`mV òV
Amho Am{U Ago Z Ho$ë`mg H$mS>©YmaH$ naH$s` MbZ ì`dñWmnZ H$m`Xm, 1999 A§VJ©V hmoUmè`m X§S>mË_H$ H$madmB©gmR>r O~m~Xma
Agob. H$mS>©YmaH$m§Mo {hVg§~§Y gwa{jV amIÊ`mgmR>r ~±H$ ñdV:À`m {ddoH$m{YH$mamV, IaoXrMo _yi Am{U ñdê$n `m§Zgw ma {d{eï>
B§Q>aZoQ> ì`dhmam§Zm ZH$ma XoD$ eH$VmV. ì`º$sZo/njm§Zr {Xboë`m ImË`mÀ`m AZ{YH¥$V qH$dm \$gdUwH$sZo Ho$ë`m OmD$ eH$Umè`m
dmnamnmgyZ H$mS>©YmaH$m§Mo g§ajU H$aÊ`mgmR>r ho Ho$bo OmVo.
(v) H$mS>©YmaH$ nwï>r H$aVmo H$s, Vmo Á`m g§Ho$VñWimda CËnmXZm§Mr qH$dm godm§Mr àmár/IaoXr H$aÊ`mÀ`m Am{U Ë`mgmR>r B§Q>aZoQ>À`m
_mÜ`_mVyZ no_|Q> H$aÊ`mg§~§Yr gyMZm XoD$Z Ë`mÀ`m H$mS>©À`m _mÜ`m_mVyZ no_|Q> H$aÊ`mÀ`m øm A{V[aº$ d¡{eîQ>çmMm bm^ KoB©b
Ë`m{df`r doimodoir AmoiI nQ>drb. H$mS>©YmaH$ _mÝ` H$aVmo Am{U nwï>r H$aVmo H$s, Aem g§Ho$VñWimda Ho$boë`m Am°S>©g©gmR>r no_|Q>
H$aÊ`mMr gw{dYmM \$º$ ~±H$ nwadVo Am{U Vr CËnmXZ Am{U godm `m§À`m {dH«$sÀ`m dmñV{dH$ ì`dhmamer g§~§{YV Zmhr qH$dm
Ë`mMm ^mJ Zmhr.
(vi) H$mS>©YmaH$mbm B§Q>aZoQ> ~±qH$J godm dmnaÊ`mgmR>r Agbobm {nZ/nmgdS>© Ë`mgmR>r \$º$ Am°ZbmB©Z qH$dm XÿaÜdZrdê$Z {dZ§Vr àmá
Pmë`mZ§VaM nmR>drb.
33.20 B©_obda {ddaU (ñQ>oQ>_|Q>):

(i) H$mS>©YmaH$mZo ~±Ho$H$S>o Zm|Xdboë`m B©_bo nÎ`mda ~±Ho$Zo B©_obÛmao _m{gH$ H$mS>©ImVo {ddaU nmR>{dÊ`mg H$mS>©YmaH$ _mÝ`Vm XoVmo Am{U
_m{gH$ H$mS>©ImVo {ddaU àmá Pmbo Ago g_OÊ`mV òB©b. H$mS>©YmaH$mbm Oa BboŠQ´>m°{ZH$ _mÜ`_mVyZ nmR>{dÊ`mV Ambobo {ddaU
àmá H$aÊ`mg H$mhr AS>MUr òV AgVrb, Va Ë`mZo Ë`m{df`r ~±Ho$bm VmËH$mi _m{hVr {Xbr nm{hOo, Á`m_wio ~±Ho$bm n`m©`r
_mJmªZr Vo nmR>dUo eŠ` hmoB©b. Aem àH$maÀ`m AS>MUr{df`r H$mS>©ImVo {ddaUmÀ`m VmaIonmgyZ 15 (n§Yam) {Xdgm§À`m AmV Oa
~±Ho$bm H$i{dbo Jobo Zmhr, Va Ë`mMm AW© H$mS>©ImVo {ddaU ñdrH$mabo Jbo Amho Agm hmoB©b.
(ii) H$mS>©YmaH$mbm gwa{jVVoÀ`m OmoI_r{df`r OmUrd Amho, Á`mV Ë`mÀ`m {ddaUmV V¥Vr` njmZo Ho$boë`m hñVjonmMm g_mdoe Amho
Am{U Ë`mgmR>r ~±Ho$bm O~m~Xma Z YaÊ`mMo Vmo _mÝ` H$aVmo.
(iii) H$mS>©YmaH$ H$~yb H$aVmo H$s, Ë`mbm Ë`mÀ`m {ddaUm{df`r _m{hVr {_imbobr Amho qH$dm Zmhr `m~ÔbÀ`m ~±Ho$À`m H$moUË`mhr
Xm{`ËdmMr O~m~Xmar nyU©nUo KoB©b. godm§Mm dmna Ho$ë`mZo qH$dm dmna H$aÊ`mg Ag_W© Agë`mZo qH$dm H$moUË`mhr dm°aQ§ >rMm ^§J
Pmë`m_wio, {ZîH$miOrnUmgh, H$moUË`mhr n[apñWVrV ~±H$ H$moUË`mhr àË`j, AàË`j, àmg§{JH$, {deof qH$dm n[aUm_ñdê$nrMr
hmZr `mgmR>r O~m~Xma AgUma Zmhr.
33.21 {~b no_|Q>:
(i) {~b no_|Q>_wio H$mS>©YmaH$mbm Ë`mMo ~±Ho$H$S>o Agboë`m R>adyZ {Xboë`m ImË`mMm Cn`moJ H$ê$Z Am{U ~±Ho$H$S>o godm nwa{dUmè`mÀ`m
Zm|Xdboë`m H$moUË`mhr ImË`mV a¸$_ O_m H$ê$Z Ë`mÀ`m {~bm§Mo n¡go âUo eŠ` hmoVo.
(ii) Oa H$mS>©YmaH$mZo ~±Ho$bm n`m©`r M°ZoëgÀ`m _mÜ`_mVyZ godm§gmR>r Aer {~bo, d Ë`mda H$mhr AmH$ma Agbo Va Ë`mgh H$mS>©YmaH$mÀ`m
ImË`mVyZ n¡go dOm H$aÊ`mgmR>r A{YH¥$V Ho$bo, Va {~b no_|Q> ~±Ho$Ûmao nwa{dbo OmVo. H$mS>©YmaH$mZo Zm|X ¿`mdr H$s, H$moQ>H$ ZoQ>
~±qH$JÀ`m _mÜ`_mVyZ Ho$boë`m {~b no_|Q>À`m ì`dhmamgmR>r H$moUVohr [adm°S>© nm°BªQ²>g {Xbo OmUma Zmhr.
(iii) H$mS>©YmaH$ H$~yb H$aVmo H$s, nwa{dboë`m godm øm Ho$di {~b no_|Q>gmR>r AmhoV, Á`mV {~b H$aUmam ~°§Ho$H$S>o WoQ> Zm|XUrH¥$V AgVmo.
{~b H$aUmè`mZo qH$dm BWU godm nwa{dUmè`mZo WoQ> nwa{dboë`m godm§Mo H$moUË`mhr àH$maMo à{V{Z{YËd ~±H$ H$arV Zmhr, Á`mMr {ZdS>
H$mS>©YmaH$ ñdV:À`m OmoI_rda H$arb d Ë`m~Ôb H$moUË`mhr ZwH$gmZmgmR>r/hmZrgmR>r/dmXmgmR>r ~±Ho$bm O~m~Xma YaUma Zmhr,
Oo H$mS>©YmaH$mÀ`m WoQ> XodmUKodmUrVyZ {Z_m©U hmoVrb.
(iv) H$mS>©YmaH$ _mÝ` H$aVmo H$s, {~b H$aUmè`mbm ({~ba) Amdí`H$ Agob, Ë`mZwgma ~±H$ {~b no _|Q> H$arb. MwH$sÀ`m qH$dm AnyU©
Zm|Xr_wio {~b H$aUmè`mZo {~bmMr a¸$_ ZmH$mabr, Va H$mS>©YmaH$ Ë`mgmR>r ~±Ho$bm O~m~Xma YaUma Zmhr.
(v) {~qbJ H§$nZrH$S>o Zm|Xdboë`m AmoiIrÀ`m Vn{ebm§Mo AMyH$ Vnerb nwa{dÊ`mMo H$mS>©YmaH$ _mÝ` H$aVmo Am{U `m ~m~VrV MwH$sÀ`m
_m{hVr_wio {Z_m©U Pmboë`m H$moUË`mhr Xm{`ËdmgmR>r ~±Ho$bm ânmB© XoÊ`mMo _mÝ` H$aVmo. {~qbJ H§$nZrH$S>o Zm|Xdboë`m AmoiIrÀ`m
Vn{ebm§_Üò H$moUVmhr ~Xb Pmë`mg Ë`m{df`r ~±Ho$Zo R>adyZ {Xboë`m H$mb_`m©XoV ~±Ho$bm H$i{dÊ`mMo H$mS>©YmaH$ _mÝ` H$aVmo.
(vi) {~qbJÀ`m Vn{ebm§Mr AMyH$ hmVmiUr H$aÊ`mgmR>r ~±H$ Oar gd© àH$maMr amñV H$miOr KoUma Agbr, Var H$moUË`mhr MwH$sÀ`m
Vn{ebm§_wio/_m{hVr_wio Pmboë`m MwH$sgmR>r ~±H$ O~m~Xma Zgob. {Xbobr _m{hVr Oa MwH$sMr/A`mo½` AmT>ibr, Va Ë`m_wio
hmoUmao ZwH$gmZ, hmZr, BË`mXtgmR>r H$mS>©YmaH$ ~±Ho$bm O~m~Xma YaUma Zmhr.
(vii) ~±Ho$bm {~qbJMo Vnerb XoUmè`m {~qbJ H§$nZr~Ôb H$moUË`mhr àH$maMr haH$V Z KoÊ`mMo H$mS>©YmaH$ _mÝ` H$aVmo. H$mS>©YmaH$ _mÝ`
H$aVmo H$s, {~bmÀ`m Vn{ebmg§~§YrMo H$moUVohr dmX {~qbJ H§$nZrH$S>o WoQ>nUo {_Q>dbo OmVrb Am{U ~± Ho$Mr O~m~Xmar \$º$ _m{hVr
nwa{dÊ`mnwaVr _`m©{XV Amho.
(viii) H$mS>©YmaH$ _mÝ` H$aVmo H$s, {Xboë`m gyMZm§À`m Am{U ~±Ho$gmo~VÀ`m ì`dhmam§À`m Zm|Xr øm gd© CÔoem§gmR>r A§{V_ Am{U ~§YZH$maH$
AgVrb Am{U H$moUË`mhr Ý`m{`H$ à{H«$ò_Üò Ë`m§Mm nwamdm åhUyZ dmna Ho$bm OmD$ eH$Vmo. Ë`mhr nT>o H$mS>©YmaH$ Ago _mÝ` H$aVmo
H$s, {~b no_|Q> godogmR>r Oa H$mhr AmH$ma AgboM, Va Vo \$º$ ~±Ho$À`m EH$_od {ddoH$m{YH$mamV AgVrb Am{U H$mS>©YmaH$mbm
H$moUVrhr nyd©gyMZm Z XoVm ~±H$ Ë`mV doimodoir ~Xb H$aÊ`mg ñdV§Ì Amho. H$mS>©YmaH$ _mÝ` H$aVmo H$s, H$moUË`mhr
ImË`mÀ`m/ImË`m§er g§~§{YV {~b no_|Q> gw{dYm qH$dm Ë`mA§VJ©V nwa{dÊ`mV Amboë`m H$moUË`mhr godm H$moUË`mhr doir, H$moUVohr
H$maU Z XoVm Am{U Ë`mbm H$moUVrhr gyMZm Z XoVm _mJo KoÊ`mg ~±H$ ñdV§Ì Amho.

34. gwa{jV H$mS©>
811 # S´>r_ {S>\$a§Q>Ho«${S>Q> H$mS©> / H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS©> Am{U {gëH$ BÝñnmà ßb°{Q>Z_ gwa{jV H«o${S>Q> H$mS©> (`m I§S>mÀ`m
hoVwnwaVo EH${ÌVnUo gwa{jV H«o${S>Q> H$mS©>'' Ago g§~mo{YV) `m§~m~VrV, H$mS©> ImË`mdarb g§nyU© W{H$V {e„H$, H$moUË`mhr W{H$V
H$mS©> ì`dhmam§À`m aH$_ogmo~V, ì`mO Am{U BVa gd© IM© d {ZåZmo„opIV AmH$maÊ`m§gH$Q>, Á`m bmJy hmoVmV nU H$mS©>YmaH$mÛmao
H«o${S>Q> H$mS©> dmnamV AgVmZm H$mS©> ImË`mda AmH$maÊ`mV Amboë`m ZmhrV, Ë`m ~±Ho$H$Sy>Z g§_V H$aÊ`mV Ambobo, ~±H$o Zo {d{hV
Ho$boë`m ñdê$nmV Am{U nÕVrV H$mS©>YmaH$mÀ`m Zmdmda EH$Q>çmZo qH$dm BVa H$moUË`mhr ì`{º$gmo~V g§`wº$nUo AgUmè`m Aem
à{V^yVr / _wXV R>odr / Aem BVa _Îmm Vm~oJhmU / ZOaJhmU / YmaUm{YH$mamÀ`m _mJm©Zo gwa{jV H$aÊ`mV òVrb.
H$mS©>YmaH$ à{V^yVrÀ`m {Z{_©VrgmR>r ~±Ho$gmR>r g_mYmZH$maH$ ñdê$nmV Am{U nÕVrV Aer gd© H$mJXnÌo gmXa H$aob. à{V^yVr
{Z{_©Vr Am{U _wÐm§H$ ewëH$ B. Mm g_mdoe Agboë`m nU Ë`mnwaVo _`m©{XV Zgboë`m BVa gd© gmonñH$mam§À`m nyV©VogmR>r òUmam IM©
H$mS©>YmaH$mÛmao Ho$bm OmB©b.
34.1 811 # S´>r_ {S>\$a§Q> H«o${S>Q> H$mS©> {Z`_
811 # S´>r_ {S>\$a§QH«o${S>Q> H$mS©> ho Ago H«o${S>Q> H$mS©> Amho Oo ~±Ho$Zo H$mS©>YmaH$mbm Ë`mÀ`m Zmdmda ~±Ho$H$So> Agboë`m _wXVr R>odrg_moa
{ZJ©{_V Ho$bobo AgVo (`mnwT>o 811 # S´>r_ {S>\$a§Q H«o${S>Q> H$mS©>'' Ago g§~mo{YV). 811 # S´>r_ {S>\$a§Q H«o${S>Q> H$mS©> {_idÊ`mgmR>r,
AO©XmamZo ~±Ho$H$So> {H$_mZ é 15,000 Mr _wXVr R>od OnUo Amdí`H$ Amho.
34.2 H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS©> AQ>r
H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS©> AQ>r ho ~±Ho$Zo A{Zdmgr ^maVr`m§Zm Ë`m§À`m Zmdmda ~±Ho$H$So> Agboë`m EZAmaB© / EZAmaAmo _w XVr
R>odrg_moa {ZJ©{_V Ho$bobo AgVo. H$moQ>H$ EZAmaAm` H«o${S>Q> H$mS©> {_idÊ`mgmR>r, AO©Xmambm ~±Ho$Zo {d{hV Ho$boë`m {H$_mZ aH$_oMr
EZAmaB© / EZAmaAmo _wXVr R>od Onmdr bmJob. Oa EZAmaB© _wXVr R>od 1 dfm©À`m AmV ~§X Ho$br Va VodT>çm H$mbmdYrgmR>r
_wXVr R>do rda J«mhH$ ì`mO H$_mdy eH$Uma Zmhr.
34.3 {gëH$ BÝñnmà {gŠ`wAS©> ßb°{Q>Z_ H«o${S>Q> H$mS©> AQ>r
{gëH$ BÝñnmà {gŠ`wAS©> ßb°{Q>Z_ H«o${S>Q> H$mS©> ho Ago H«o${S>Q> H$mS©> Amho Oo ~±Ho$Zo H$mS©>YmaH$mbm Ë`mÀ`m Zmdmda ~±Ho$H$So> Agboë`m
_wXVr R>odrg_moa {ZJ©{_V Ho$bobo AgVo. {gëH$ BÝñnmà {gŠ`wAS©> ßb°{Q>Z_ H«o${S>Q> H$mS©> {_idÊ`mgmR>r, AO©Xmambm ~±Ho$H$So> {H$_mZ
é 50,000 Mr _wXVr R>od OnUo Amdí`H$ Amho.
34.4 gwa{jV H$mS©>gmR>rMo gd©gmYmaU {Z`_:
gXa _wXVr R>odoMr a¸$_ doimodoir ~±Ho$À`m EH$b {ZU©`mYrZ ~Xby eH$Vo. gwa{jV H«o${S>Q> H$mS©>darb H«o${S>Q> _`m©Xm _wXVr R>odrÀ`m
aH$_oÀ`m E|er Q>¸o$ (80%) Agob. gXa H«o${S>Q> _`m©Xm ~±Ho$À`m EH$b {ZU©`mYrZ doimodoir ~Xby eH$Vo. gwa{jV H«o${S>Q> H$mS©>
{_idÊ`mÀ`m hoVwH$[aVm bmJUmar / bmJUmè`m _wXVr R>od / R>odr AO©XmamZo {d{hV AO© ànÌ ^ê$Z qH$dm doimodoir ~±Ho$Zo {d{hV
Ho$boë`m BVa H$moUË`mhr _mJm©Zo CKS>Ê`mV òB©b / òVrb. Aem àH$mao CKS>Ê`mV Ambobr / Amboë`m _wXVr R>od / R>do r {H$_mZ
EH$ df© EH$ {XdgmgmR>r AgVrb Am{U ñd`§ZyVZrH$aU AZwHy${bV AgVrb, Am{U `m {Z`_ d AQ>tì`{V[aº$, H«o${S>Q> H$mS©> Am{U
_wXVr R>odrg§~§YmVrb ~±Ho$À`m {Z`_ d AQ>rgwÕm bmJy hmoVrb. gwa{jV H«o${S>Q> H$mS©> {ZJ©{_V Pmë`mZ§Va, ~±Ho$Mm gd©gmYmaU
YmaUm{YH$ma Am{U dOmdQ> `m§ì`{V[aº$ gwa{jV H«o${S>Q> H$mS©> qH$dm _wXVr R>odrÀ`m g_márn`ªV, Ogo Agob Vgo, ~±H$ H$mS©>YmaH$mZo
O_m Ho$boë`m g§nyU© _wXVr R>do rÀ`m aH$_oda, H$mS©>YmaH$mZo H$_mdbobo ì`mO dJiVm Amnbm YmaUm{YH$ma ~Omdob. AO©XmamMr
~±Ho$H$So> AmYrnmgyZM _wXVr R>do Agob, Va Vr _wXVr R>odrMr a¸$_ AO©XmamÀ`m gwa{jV H«o${S>Q> H$mS©> ImË`mer g§b¾ H$aÊ`mV òB©b
Am{U {VMo ñd`§ZyVZrH$aU VËH$mi AZwHy$b H$aÊ`mV òB©b. H$mS©> ImË`mer g§b¾ Agboë`m _wXVr R>odr_YyZ H$mS©> YmaH$m§Zm A§eV:
n¡go H$mTy>Z KoÊ`mMo A{YH$ma ZgVrb. gwa{jV H«o${S>Q> H$mS©> {_idÊ`mgmR>r CKS>boë`m _wXVr R>odrMm H$mbmdYr g_má qH$dm aÔ Ho$bm
Zmhr Va ñd`§ZyVZrH$aU AZwHy$b amhrb. EM`wE\$, ^mJrXmar noT>r `m§Zr CKS>boë`m _wXV R>odr gwa{jV H«o${S>Q> H$mS©> {_idÊ`mg nmÌ
ZgVrb. AO©XmamZo BVa H$moUË`mhr ì`{º$gmo~V g§`wº$nUo _wXVr R>od CKS>ë`mg, \$º$ _wXVr R>od CKS>Ê`mgmR>r nwadboë`m AO©
ànÌmdarb Vn{ebmZwgma n{hë`m ImVo YmaH$mÀ`mM Zmdmda gwa{jV H«o${S>Q> H$mS©> {ZJ©{_V H$aÊ`mV òB©b. gwa{jV H«o${S>Q> H$mS©>Mo
{ZJ©_Z èñdrnUo _wXVr R>od CKS>Ê`mÀ`m AYrZ amhrb.
H$mS©> ImVo {ddaUmÀ`m {XZm§H$mnmgyZ 90 {Xdgm§À`m AmV gwa{jV H«o${S>Q> H$mS©>da Xo` Agbobr {H$_mZ a¸$_ âÊ`mg H$mS©>YmaH$
Aèñdr R>aë`mg, ~±Ho$H$So> nyd©gyMZo{edm` qH$dm H$mS©>YmaH$m§Zm g§~moYë`m{edm` _wXVr R>do oMr a¸$_ g_m{nV H$aÊ`mMm Am{U
~±Ho$H$So> gwa{jV H«o${S>Q> H$mS©>g_moa Xo` Agbobr W{H$V a¸$_ _wXVr R>odr_YyZ {d{Z`mo{OV H$aÊ`mMm Am{U dOmdQ> H$aÊ`mMm A{YH$ma
Agob Am{U Aem H$nmVrZ§Va Cabobr a¸$_M ñd`§ZyVZrH$aUmÀ`m gyMZm§gh gwé amhrb. _wXVr R>od gwé R>do Ê`mgmR>rMr {H$_mZ
_`m©Xm EZAmaB© _wXV R>odrgmR>r é 25,000, EZAmaAmo _wXVr R>odrgmR>r é 10,000 Am{U Á`m _wXVr R>odrg_moa 811# S´>r_
{S>\$a§QH«o${S>Q> H$mS©> {ZJ©{_V Pmbo Agob Ë`m R>odrgmR>r é 10,000 Agob. W{H$V aH$_oÀ`m {d{Z`moOZmZ§Va _wXVr R>odrMr a¸$_
_`m©XoÀ`m aH$_ohÿZ H$_r Agob Va _wXVr R>od g_m{nV H$aÊ`mV òB©b Am{U Vr a¸$_ H$mS©>YmaH$m§À`m ~±Ho$H$So> Agboë`m ImË`mda
H«o${S>Q> Ho$br OmB©b.
AO©XmamZo CKS>boë`m _wXVr R>odrgmR>r EH$m ì`{º$bm Zm_{ZX}{eV H$aÊ`mMm AO©Xmambm A{YH$ma Agob. H$mS©>YmaH$mbm _wXVr R>do
H$mTy>Z ¿`m`Mr / ~§X H$am`Mr Agë`mg, qH$dm H$mS©>YmaH$mZo AWdm ~±Ho$Zo gwa{jV H«o${S>Q> H$mS©> aÔ Ho$ë`mg, qH$dm H$mS©>YmaH$mÀ`m
_¥Ë`w_wio _wXV R>od ~§X Pmë`mg, ~±Ho$H$So> nyd©gyMZo{edm` qH$dm H$mS©>YmaH$m§Zm g§~moYë`m{edm` _wXVr R>odoMr a¸$_ g_m{nV H$aÊ`mMm
Am{U ~±Ho$H$So> gwa{jV H«o${S>Q> H$mS©>g_moa Xo` Agbobr W{H$V a¸$_ _wXVr R>odr_YyZ {d{Z`mo{OV H$aÊ`mMm Am{U dOmdQ> H$aÊ`mMm
A{YH$ma Agob, Am{U H$mS©>YmaH$ / Zm_{ZX}{eV ì`º$s H$mS©>YmaH$mÛmao ~±Ho$H$So> Xo` AgUmè`m H$moUË`mhr aH$_m§Mr H$nmV
Pmë`mZ§Va, `m_Üò ~±Ho$H$So> Xo` Agboë`m H$moUË`mhr AmH$maUr, ewëHo$ B. g_m{dï>, Cd©[aV _wXVr R>odoMr a¸$_ A{YH$ g§M{`V
ì`mO {_idÊ`mg nmÌ Agob. H$mS©>YmaH$mÀ`m _¥Ë`wZ§Va gwa{jV H«o${S>Q> H$mS©> ~§X hmoB©b.
35. A{V[aº$ AñdrH$ma
35.1 ~±H$ ñdV:À`m {ZU©`mZwgma, H$mS©>YmaH$mZo ~±Ho$À`m dmñVy§VyZ / `§Ìm§VyZ / CnH$aUm§VyZ Ho$boë`m ~±Ho$À`m gw{dYm§À`m dmnam§Mo /
H$mS©>YmaH$mÀ`m CnpñWVrMo / àdoemMo Mb{MÌU qH$dm H°_oamda A{^boIZ H$aob, Am{U {_imboë`m gd© gyMZm, \$moZda Pmbobo
g§dmX OVZ H$aob Am{U H$moUË`mhr à{H«$`m§_Üò ~±H$ `m Aem {MÌ{\$Vt_Yrb Ñí`m§da / aoH$m°{Sª>Jda Adb§~yZ amhrb.
35.2 EQ>rE_ / Q>M A°Šgog ~±qH$J Q>{_©Zb / B©S>rgr - nrAmoEg / BVa `§Ìm§darb H$mS©>Mm dmna H$mS©>YmaH$mMr nwT>rb ~m~tgmR>rMr
ñnï> g§_Vr Xe©dob :
(i) ì`dhmamÀ`m Am{U ImË`mÀ`m `Wm`mo½` Zm|Xr OnÊ`mgmR>r ~±Ho$bm Amdí`H$ AgUmè`m H$moUË`mhr _mJmªZr ImË`mVrb {e„H$sMr
_m{hVr Jmoim H$aUo, gmR>dUo, nmR>dUo Am{U {VÀ`mda à{H«$`m H$aUo VgoM Vr AmoiIUo;
(ii) EQ>rE__Üò / BVa `§Ìm§dê$Z H$mS©>Mm dmna gj_ H$aÊ`mgmR>r H$mS©>YmaH$mÀ`m ImË`mMo Vnerb Am{U ì`dhmamMr _m{hVr Am{U
BVa Amdí`H$ _m{hVr ~±H$ EQ>rE_ ZoQ>dH©$ _Yrb / BVa ZoQ>dH©$_Yrb gh^mJrXmam§Zm Am{U à{H«$`mH$mam§Zm àñVwV H$aUo Am{U
nmao{fV H$aUo;
(iii) ~±Ho$_Yrb / BVa ZoQ>dH©$_Yrb gXa gh^mJrXmam§Mr Am{U à{H«$`mH$mam§Mr Aer _m{hVr OVZ H$aUo;
(iv) ~±Ho$_Yrb / BVa ZoQ>dH©$_Yrb gXa gh^mJrXmam§H$Sy>Z Am{U à{H«$`mH$mam§H$Sy>Z Aem gh^mJrXmam§Zm Am{U à{H«$`mH$mam§Zm bmJy
hmoUmè`m _m{hVr àH$Q>Zmg§X^m©Vrb H$m`Xo d {Z`_Zm§Mo AZwnmbZ;
(v) {OWo ì`dhma nyU© H$aÊ`mgmR>r Amdí`H$ Agob {VWo Ì`ñW njm§Zm H$mS©>YmaH$mÀ`m ~±H$ ImË`m(Ë`m§)À`m qH$dm H$mS©>À`m dmnam_m\©$V
Ho$boë`m ì`dhmam§À`m qH$dm d¡`{º$H$ Vn{ebm§À`m _m{hVrMo àH$Q>Z; Am{U / qH$dm H$m`ÚmMo qH$dm emgH$s` g§ñWoMo qH$dm
Ý`m`mb`rZ AmXoem§Mo qH$dm H$m`Xoera à{H«$`m§Mo AZwnmbZ H$aUo Amdí`H$ Agob Voìhm; Am{U / qH$dm ÌwQ>r gmoS>dÊ`mgmR>r qH$dm
H$mS©>YmaH$mZo {dMmaboë`m àým§Mo {ZamH$aU H$aÊ`mgmR>r Amdí`H$ Agob Voìhm; Am{U / qH$dm ~±Ho$À`m A§VJ©V _m{hVr à{H«$`m
JaOm§Mr nyV©Vm H$aÊ`mgmR>r Amdí`H$ Agob Voìhm;
(vi) H$mS©>YmaH$ ~±Ho$bm H$mS©>YmaH$mH$Sy>Z H$m`ÚmÝdò qH$dm {Z`_ZmÝdò Amdí`H$ Agbobr Aer gd© _m{hVr, qH$dm ~±H$ doimodoir dmOdr
ñdê$nmV _mJob Aer BVa H$moUVrhr `Wm`mo½` _m{hVr XoÊ`mg gh_Vr Xe©dV Amho.
36. 'Sy> Zm°Q> H$m°b' a{OñQ´>r
36.1 Sy> Zm°Q> H$m°b a{OñQ´>r ~±Ho$À`m {dÚ_mZ J«mhH$m§gmR>r Iwbr Amho Am{U ~±Ho$er H$moUVohr {dÚ_mZ ZmVo ZgUmè`m J«mhH$m§gmR>rhr Iwbr
Amho.
36.2 '' Sy> Zm°Q> H$m°b'' gmR>rMr a{OñQ´>r Ho$di J«mhH$mÀ`m _mo~mB©b / XÿaÜdZr H«$_m§H$mda \$moZ H$ê$Z ~±Ho$V\}$ XoD$ H$aÊ`mV òUmè`m
CËnmXZm§er d godm§er _`m©{XV Q>o{b_mH}$qQ>J Am°\$g©nwaVr _`m©{XV Amho.
36.3 H$mS©>YmaH$ ~±Ho$À`m \$moZ ~±qH$J H«$_m§H$mda \$moZ H$ê$Z qH$dm ~±Ho$À`m do~gmBQ>da (www.kotak.com) a{OñQ>a H$ê$Z ''Sy> Zm°Q>
H$m°b'' a{OñQ>a H$ê$ eH$Vmo.
36.4 J«mhH$mZo Ë`mMm _mo~mB©b H«$_m§H$ ~Xbbm, Va nwZZm]XUr_m\©$V ~±Ho$bm Vgo H$i{dÊ`mV `mdo.
36.5 '' Sy> Zm°Q> H$m°b'' À`m a{OñQ´>oeZ_Üò ImVo AWdm H$mS©> OVZmer g§~§{YV, H$m°ëg, ì`dhmam§darb g§Xoe, ImVo AWdm H$mS©>
Xm{`Ëdm§À`m dgwbrgmR>r òUmao H$m°ëg g_m{dï> ZgVrb qH$dm Ë`m§da _`m©Xm òUma ZmhrV.
36.6 '' Sy> Zm°Q> H$m°b'' a{OñQ´>oeZ A§_bmV òÊ`mgmR>r 45 (n§MoMmirg) H$m_mMo {Xdg bmJVrb.
36.7 hr godm gdm}Îm_ à`ËZmÀ`m nmVirdaM nwadbr OmVo.
37. g§nH©$ Vnerb Am{U JmèhmUr
37.1 J«mhH$ g§nH©$ H|$Ð
Vwåhr ~±Ho$er nwT>rbn¡H$s H$moUË`mhr _mJm©Zo g§nH©$ gmYy eH$Vm :
(i) H$moQ>H$ H«o${S>Q> H$mS©>gmR>rMo J«mhH$ godm A{YH$mar Vw_À`m àým§Mr CÎmao XoÊ`mH$[aVm AmR>dS>çmMo gd© {Xdg 24 Vmg CnbãY AgVrb,
nwT>rb H«$_m§H$m§da :
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h¡Xam~mX66006022 nwUo 66006022 Ah_Xm~mX66006022 H$mobH$mVm65506022
Am`ìhrAma _oÝ`w 24X7 CnbãY Amho. Ho$di XmoZ nm`è`m§Mr à{H«$`m nmim :
Vw_Mm g§nyU© 16 A§H$s H«o${S>Q> H$mS©> Vw_Mm Q>o{b\$mo{ZH$ {nZ à{dï>

H«$_m§H$ à{dï> H$am. H$amVwåhr \$moZdê$Z Vw_Mm Q>r{nZ
(CXm.4166 46XX XXXX0001) VËH$mi {_idy eH$Vm.
Am{U nwT>rb _m{hVr VËH$mi {_idm :

CnbãY H«o${S>Q> _`m©XmAIoaMo CnbãY amoI _`m©Xm A{YXmZ Vnerb
5 ì`dhma {ddaU Vnerb H«o${S>Q> H$mS©> hadë`mMr VH«$ma H$am
(ii) BWo {bhÿZ H$idm :
{Z`{_V Q>nmb : Hw$[aAa :
H$moQ>H$ _qhÐm ~±H$ {b. godm à~§YH$, H$moQ>H$ _qhÐm ~±H$ {b.
H$mS>©²g {~PZog, H$mS>©²g{~PZog,5dm _Obm, H$moQ>H$ BpÝ\${ZQ>r, B_maV H«$. 21,
Q>nmb noQ>r H«$. 27703 BpÝ\${ZQ>r nmH©$, n{ü_ ÐþVJVr _hm_mJm©dê$Z,
OZab E Ho$ d¡Ú _mJ©
_mbmS> (nyd©) _mbmS> (nyd©)
_w§~B© 400 097, ^maV _w§~B© - 400 097, ^maV
(iii) www.kotak.com da bm°{JZ H$ê$Z qH$dm Am_À`m do~gmBQ>darb Vw_À`m B§Q>aZoQ> ~±qH$J ImË`mdê$Z B©_ob nmR>dm. Vwåhr
Am_À`mer gmYboë`m gd© g§nH$mª_Üò, H¥$n`m Vw_Mm 16 A§H$s H«o${S>Q> H$mS©> H«$_m§H$ Xe©dm.
46 H$moQ>H$ _[h§Ðm ~±H$ {b{_Q>oS>

37.2 {~qbJ dmX {ZdmaU
Vw_À`m {ddaUm_Üò Z_yX Ho$boë`m AmH$maUrgr Vwåhr gh_V Zgmb, Va {ddaU {XZm§H$mnmgyZ 60 (gmR>) {Xdgm§À`m AmV Vo ~±Ho$bm
H$idmdo, Vgo Z Ho$ë`mg {ddaUmVrb gd© AmH$maÊ`m `mo½` AgyZ Vwåhmbm Ë`m _mÝ` AmhoV Ago _mZÊ`mV òB©b. gXa VH«$ma
{_imë`mZ§Va, ~±H$ Mm¡H$er hmoB©n`ªV VËH$m{bH$ nmVirda AmH$maUr _mJo KoD$ eH$Vo. {~qbJ dmXm§er g§~§{YV gd© VH«$mar boIr
ñdê$nmV Cnamoº$ nÎ`mda nmR>dVm òD$ eH$VmV. H¥$n`m Zm|X ¿`m H$s Am§Vaamï´>r` ì`dhmamg§X^m©V dmX Agë`mg, Vwåhr Amåhmbm
Vw_À`m nmgnmoQ>©Mr àV XoUo Amdí`H$ Amho.
37.3 JmèhmUr {ZamH$aU / VH«$mar / dmX d¥Õr
Vwåhr Am_À`m godm§_wio g_mYmZr Zgmb, Va Vwåhr Vw_Mo JmèhmUo `mÛmao Zm|Xdy eH$Vm :
(i) w.kotak.com da bm°J Am°Z H$ê$Z qH$dm Am_À`m do~gmBQ>da Vw_À`m B§Q>aZoQ> ~±qH$J ImË`mVyZ B©_ob nmR>dm.
(ii) Am_À`m J«mhH$ g§nH©$ H|$Ðmda H$m°b H$am
(iii) à~§YH$ - godm n[aMmbZo, H$moQ>H$ _qhÐm ~±H$ {b., H$mS>©²g {~PZog, 2am _Obm, H$moQ>H$ BpÝ\${ZQ>r, B_maV H«$. 21, BpÝ\${ZQ>r
nmH©$, n{ü_ ÐþVJVr _hm_mJm©dê$Z, OZab E Ho$ d¡Ú _mJ©, _mbmS> (ny), _w§~B© - 400097, ^maV òWo {bhÿZ H$idm.
Oa Vw_À`m JmèhmÊ`mda {_imboë`m CÎmamZo Vw_Mo g_mYmZ Pmbo Zgob qH$dm 10 {Xdgm§hÿZ A{YH$ H$mi H$mhr {ZamH$aU Z
Pmboë`m VH«$mar qH$dm JmèhmUr AgVrb, Va Vwåhr ~±Ho$Vrb Cƒ àm{YH$aUm§Zm g§~moYZy JmèhmUo XmIb H$ê$ eH$Vm. `mgmR>r
E_. amOy, ZmoS>b A{YH$mar, H$moQ>H$ _qhÐm ~±H$ {b., 5dm _Obm, H$moQ>H$ BpÝ\${ZQ>r B_maV H«$. 21, BpÝ\${ZQ>r nmH©$, n{ü_ ÐþVJVr
_hm_mJm©dê$Z, OZab E Ho$ d¡Ú _mJ©, _mbmS> (ny), _w§~B© - 400097, ^maV `m§Zm {bhÿZ H$idm qH$dm nodalofficer@kotak.com BWo
B©_ob H$am. Oa ~±Ho$Zo Vw_Mr VH«$ma XmIb H$ê$Z KoVë`mZ§Va 30 {Xdgm§_Üò {VMo {ZamH$aU Ho$bo Zmhr Va gXa VH«$ma ~±qH$J
bmoH$nmbmn`ªV ZoVm òD$ eH$Vo. Vw_À`m joÌmgmR>rÀ`m ~±qH$J bmoH$nmbmMo Vnerb emIm§_Üò àX{e©V Ho$bobo AgVrb.
38. A{^hñVm§H$Z
38.1 ~±H$ `m H$amam§VJ©V Agbobm ~±Ho$Mm A{YH$ma Am{U Xm{`Ëd g§nyU©nUo qH$dm A§eV: H$moUË`mhr Ì`ñW ì`{º$bm, ~±Ho$bm `mo½` dmQ>ob
Ë`m nÕVrV Am{U Vem {Z`_ d AQ>r KmbyZ {dH«$s H$aÊ`mg, A{^hñVm§{H$V H$aÊ`mg, à{V^yVrV qH$dm hñVm§V[aV H$aÊ`mg nmÌ
Amho. Aer H$moUVrhr {dH«$s, A{^hñVm§H$Z, à{V^yVrH$aU qH$dm hñVm§VaU H$mS©>YmaH$mgmR>r A§{V_V: ~§YZH$maH$ Agob.
38.2 H$mS©>YmaH$ Ë`mMo A{YH$ma Am{U Xm{`Ëdo `m H$amam§VJ©V hñVm§V[aV qH$dm A{^hñVm§{H$V H$aÊ`mg nmÌ Zgob.
38.3 ~±H$ Aem H$moUË`mhr ~Xbm~m~V H$mS©>YmaH$mbm boIr g§dmXm_m\©$V arVga H$idob. H$mS©>YmaH$mZo Ë`mZ§Va gd© W{H$V aH$_m Ì`ñW
ì`{º$g XoUo ~§YZH$maH$ Agob Am{U Vmo ~±Ho$H$So> Agboë`m Xm{`Ëdm§nmgyZ _wº$ hmoB©b.
H$moQ>H$ am°`b {g¾oMa, PoZ {g¾oMa, ìhmBQ> {g¾oMa, doëW _°ZoO_|Q> BÝ\$m`ZmBQ>, àrìhr brJ {g¾oMa Am{U brJ ßb°{Q>Z_ H$mS©> `m§gmR>rMo
{deof {Z`_ d AQ>r
1. ñdmJV ôQ> Am°\$a
• ''ñdmJV ôQ>'' qH$dm ''Am°\$a'' qH$dm ''ôQ> Am°\$a'' `mMm AW© ñdmJV bm^ Agm hmoB©b Oo {JâQ> ìhmCMa / gyQ> / {d{Z{X©ï>
dñVy / JwUm§Mo ~{jg `m§ñdê$nmV H$mS©>YmaH$m§Zm XoD$ H$aÊ`mV òVrb, Á`m§Mo Vnerbdma dU©Z H$mS©>gmo~V nwadboë`m ñdmJV
nwpñVHo$_Üò Ambo Amho.
hr Am°\$a Ho$di ßb°{Q>Z_ Am{U {g¾oMa H$mS©>YmaH$m§ZmM CnbãY Amho.
1.1. ñdmJV ôQ>
1. Ho$di àmW{_H$ H$mS©>YmaH$ gh^mJ ewëH$mMo nyU© A{YXmZ Pmë`mda ôQ> Am°\$agmR>r nmÌ Agob. A°S> Am°Z H$mS©>YmaH$ H$moUË`mhr
ñdmJV ôQ>rgmR>r nmÌ ZgVrb.
2. H$mS©>YmaH$mZo ôQ> Am°\$aMm bm^ bmJy H$mbmdYr_Üò ¿`m`bm hdm.
3. ôQ> Am°\$aMr nmR>dUr hmoÊ`mAmYrM H$mS©> aÔ Pmë`mg ôQ> Am°\$a aÔ hmoB©b.
4. ôQ> Am°\$a AhñVm§VaUr` Amho, Am{U {VÀ`m ~Xë`mV amoI a¸$_ {_idVm òUma Zmhr, Am{U ~±Ho$Ûmao {_imboë`m BVa H$moUË`mhr
Am°\$abm OmoSy>Z {_idVm òUma Zmhr.
5. AZwnbãYVo_wio, H$mS©>YmaH$mbm boIr qH$dm BVa _mJm©Zo H$moUVrhr nyd©gyMZm Z XoVm qH$dm g§nH©$ Z H$aVm, ôQ> Am° \$abm n`m©` XoD$
eH$Ê`mMm Am{U / qH$dm Vr ~XbyZ XoÊ`mMm A{YH$ma ~±H$ amIyZ R>odV Amho.
6. ôQ> Am°\$g©Mo _m°So>b, KS>U, d¡{eï²>` Am{U {d{ZX}e à_m{UV _MªS>mBgMm ^mJ AgVrbM Ago Zmhr Am{U Ho$di {ZXe©ZmË_H$
AmhoV.
47
53 H$moH$moQ>QH>H$ $_qhÐm
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1.2. BVa {Z`_ Am{U AQ>r
1. ôQ> Am°\$a_Yrb H$mS©>YmaH$mMm gh^mJ nyU©nUo EopÀN>H$ Amho Am{U Vmo EopÀN>H$ ñdê$nmVM Pmë`mMo _mZbo OmB©b.
2. ~±H$ ôQ>rÀ`m JwUdÎmo~Ôb, AZwHy$bVo~Ôb, ñdmñÏ`m~Ôb H$moUË`mhr hoVwgmR>r, nmohmoMdUrgmR>r (`m_Üò nmohmoMdUrMm H$moUVmhr
H$mbmdYr g_m{dï>) qH$dm BVa H$moUË`mhr H$maUmgmR>r dm°aQ§ >r XoV Zmhr qH$dm à{V{Z{YËd H$aV Zmhr. dñVy Am{U godm qH$dm
Am°\$g©er g§~§{YV H$moUVmhr dmX qH$dm H$moUË`mhr ñdê$nmMm Xmdm H$mS©>YmaH$ Am{U g§~§{YV ì`mnmar `m§À`m WoQ> g§~§YmZo, H$moQ>H$
_qhÐm ~±Ho$er H$moUVmhr g§X^© Z OmoS>Vm gmoS>dÊ`mV `mdm, Am{U Ë`mÛmao ~±Ho${damoYmV H$moUVmhr Xmdm H$aÊ`mV òD$ eH$V Zmhr.
3. emgZmbm qH$dm BVa H$moUË`mhr àm{YH$aUmbm Xo` AgUmam H$a qH$dm Xm{`Ëdo qH$dm AmH$maÊ`m, Á`m ôQ> Am°\$aÀ`m g§~§YmZo
H$mS©>YmaH$mÀ`m Zmdo CØdy eH$VmV qH$dm g§M{`V hmoD$ eH$VmV, Ë`m Ho$di H$mS©>YmaH$mZoM âmì`mV. ôQ> Am°\$aÀ`m Am{W©H$ _yë`mda
Q>rS>rEg, Oa Agob Va Vmo H$mS©>YmaH$mbm âmdm bmJob.
4. ôQ> Am°\$aer g§~§{YV gd© àH$aUm§~m~V, ~±Ho$Mm {ZU©` A§{V_ Am{U gd©V: ~§YZH$maH$ Agob.
2. àm`mo[aQ>r nmg bm^

1. H$mS©>YmaH$ ho _mÝ` H$aVmo Am{U g_OVmo H$s Ë`mbm/{Vbm àm`mo[aQ>r nmg gXñ`Ëd H$mS©> H$moQ> _qhÐm ~±H$ H«o${S>Q> H$mS©> YmaH$
Agë`m_wio {_imbo Amho Á`m_wio H$mS©>YmaH$ Am{U Ë`mÀ`m/{VÀ`m gmo~V òUmè`m nmhþÊ`m§Zm àm`mo[aQ>r nmg bmD$§O àmoJ«°_Mm ^mJ
AgUmè`m bmD$§Oog_Üò àdoe {_iV Amho, d hm àdoe {ZåZCëbopIV {Z`_ d AQ>tÀ`m AYrZ amhÿZ {_iob.
2. àm`mo[aQ>r nmg H$mS©> AhñVm§VaUr` Amho Am{U H$mS©>YmaH$mì`{V[aº$ BVa H$moUË`mhr ì`º$sbm Vo dmnaVm òUma Zmhr. àm`mo[aQ>r nmg
H$mS©> {ZJ©{_V Pmë`m {XZm§H$mnmgyZ EH$ df©â d¡Y Agob.
3. àm`mo[aQ>r nmg H$mS©> n¡go âÊ`mgmR>r dmnaVm òUma Zmhr Am{U hm F$U nmÌVoMm nwamdmgwÕm Zmhr Am{U AemàH$mao Ë`mMm dmna
H$am`Mm à`ËZ Ho$ë`mg Vr \$gdUyH$ R>aVo.
4. bmD$§O_Üò àdoe H$aUo Ho$di d¡Y àm`mo[aQ>r nmg H$mS©> gmXa Ho$ë`mdaM eŠ` Amho. BVa H$moUVohr H$mS©> àm`mo[aQ>r nmg H$mS©>bm
n`m©` åhUyZ dmnaVm òUma Zmhr.
5. bmD$§Obm ôQ> XoÊ`mMr AmH$maUr àËòH$ ì`{º$À`m àËòH$ ôQ>rAYrZ Amho. {OWo bmJy hmoVrb {VWo (gXñ`Ëd ßb°Zda Adb§~yZ
Amho), Aem gd© ôQ>r, `m§_Üò gmo~V Amboë`m nmhþÊ`m§À`m ôQ>rhr g_m{dï>, H$moQ>H$ _qhÐm ~±Ho$Ûmao (~±H$) H$mS©>YmaH$mÀ`m H«o$ {S>Q>
H$mS©> ImË`mda ~±Ho$Zo H$mS©>YmaH$mbm Ë`mÀ`m / {VÀ`m àm`mo[aQ>r nmg gXñ`Ëdmg§X^m©V H$idboë`m Xam§Zwgma Am{U {Z`_m§Zwgma So>{~Q>
Ho$ë`m OmVrb. H$mS©>YmaH$ Am{U ~±Ho$Xaå`mZ Pmboë`m H$moUË`mhr dmXm§gmR>r qH$dm ~±Ho$Zo So>{~Q> Ho$boë`m bmD$§O ôQ> ewëH$mer g§~§{YV
Pmboë`m ZwH$gmZmgmR>r àm`mo[aQ>r nmg J«yn Am°\$ H§$nZrO² O~m~Xma R>adbo OmD$ eH$V Zmhr.
6. bmD$§O_Üò àdoe H$aVmZm àm`mo[aQ>r nmg H$mS©> gmXa H$aVodoir, bmD$§OMo H$_©Mmar H$mS©>Mr àV H$mTy>Z KoVrb Am{U H$mS©>YmaH$mbm
EH$ ôQ>rÀ`m Zm|XrMr' nmdVr XoVrb qH$dm dhrV Zm|X H$aVrb. H$mhr bmD$§Oog_Üò BboŠQ´>m°{ZH$ H$mS©> arS>a AgVmV, Oo àm`mo[aQ>r nmg
H$mS©>À`m _mJÀ`m ~mOyg Agboë`m Mw§~H$s` nÅ>rdê$Z H$mS©>YmaH$mMo Vnerb {_idVrb. {OWo bmJy Agob {VWo, H$mS©>YmaH$mZo ôQ>rÀ`m
Zm|XrÀ`m' nmdVrda ghr H$am`bm hdr, {OÀ`mda gmo~V Amboë`m nmhþÊ`m§À`m, Oa AgVrb Va, Zo_Š`m AmH$S>çmMr Zm|X Agob, nU
{VÀ`mda H$moUVmhr àËòH$ ì`º$sÀ`m àËòH$ ôQ>rMr AmH$maUr {XgV Zmhr. H$mS©>YmaH$mgmR>r àËòH$ ôQ>rgmR>rMr AmH$maUr, {OWo bmJy
hmoB©b {VWo, Am{U nmhþÊ`m§gmR>rMr AmH$maUr ôQ>rÀ`m Zm|XrÀ`m nmdVrZwgma / Zm|XdhrZwgma R>aob Or bmD$§O g§MmbH$ ~±Ho$H$So> gwn yX©
H$aVrb.
7. àm`mo[aQ>r nmg H$mS©>À`m nmdVrMr àV / Zm|X H$aUo hr bmD$§OÀ`m H$_©Mmè`m§Mr O~m~Xmar Agbr, Var bmD$§OMm dmna H$aVodoir
ôQ>rÀ`m Zm|XrMr' nmdVr / Zm|Xdhr `mo½` dmnamMo Am{U Amboë`m nmhþÊ`m§Mo `mo½` Vnerb Xe©dV Agë`mMr ImVaO_m H$aUo hr
H$mS©>YmaH$mMr O~m~Xmar Amho. {OWo bmJy Agob {VWo, H$mS©>YmaH$ Ë`mbm bmD$§O_Üò {Xboë`m 'ôQ>rÀ`m Zm|XrMr' nmdVrMr
'H$mS©>YmaH$mMr' àV OVZ H$aÊ`mgmR>r O~m~Xma Agob.
8. gd© gh^mJr bmD$§Oog Ì`ñW nj g§ñWm§À`m _mbH$sMo Am{U Ë`m§À`mH$Sy>Z g§Mm{bV AmhoV. H$mS©>YmaH$ Am{U Ë`m§À`m gmo~VrMo nmhþUo
`m§Zr gh^mJr bmD$§O / Šb~À`m {Z`_m§Mo Am{U YmoaUm§Mo nmbZ H$am`bm hdo. OmJoÀ`m AZwnbãYVo_wio àdoe {Z{fÕ hmoD$ eH$Vmo
nU ho nyU©V: àËòH$ ñdV§Ì bmD$§O g§MmbH$mÀ`m {ZU©`mYrZ Amho. àm`mo[aQ>r nmg J«yn Am° \$ H§$nZrO² Am{U ~±H$ `m§Mo bmD$§OZr
{Xboë`m gw{dYm, CKS>Ê`mÀ`m / ~§X hmoÊ`mÀ`m doim, qH$dm ZmoH$arda R>odboë`m H$_©Mmar `m§da A{O~mV {Z`§ÌU Zmhr. àm`mo[aQ>r
nmgMo àemgH$ Om{hamVrZwgma bm^ Am{U gw{dYm {_imì`mV `mgmR>r gdm}Îm_ à`ËZ H$aVrb, nU àm`mo[aQ>r J«yn Am°\$ H§$nZrO²
qH$dm ~±H$ H$moUË`mhr àH$mao H$mS©>YmaH$mÀ`m ôQ>rÀ`m doir gXa bm^ Am{U gw{dYm CnbãY AgÊ`m~m~V dm°aQ§ >r qH$dm h_r XoV
Zmhr. VgoM Om{hamVrVrb H$moUË`mhr bm^m§À`m Am{U gw{dYm§À`m nwadR>çmVyZ qH$dm nwadR>m Z hmoÊ`mVyZ, nyU©V: qH$dm A§eV:,
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CØdUmè`m H$moUË`mhr ZwH$gmZmgmR>r àm`mo[aQ>r J«yn Am°\$ H§$nZrO² qH$dm ~±H$ Xo` Zmhr. gmo~V òUmè`m gd© _wbm§Zm ({OWo AZw_Vr
Agob {VWo) bmD$§OÀ`m {Z`_m§_Üò doJio Z_yX Ho$bo Zgë`mg nmhþÊ`m§Mo nyU© ewëH$ AmH$mabo OmB©b.
9. gh^mJr bmD$§Oog Wm§~Ê`mMr H$_mb H$mb_`m©Xm YmoaU (ghgm 3 - 4 Vmg) am~dÊ`mMm h¸$ amIyZ R>ody eH$VmV qH$dm JXu
Q>miÊ`mgmR>r H$mS©>YmaH$mgmo~V òD$ eH$Umè`m nmhþÊ`m§À`m g§»òda _`m©Xm Kmby eH$VmV. ho àËòH$ ñdV§Ì bmD$§O g§MmbH$mÀ`m
{ZU©`mYrZ Amho Omo A{V[aº$ H$mi Wm§~Ê`mgmR>r ewëH$ AmH$mê$ eH$Vmo.

10. gh^mJr bmD$§OogZm H$amamÝdò {d_mZ CÈ>mUm§À`m KmofUm H$aÊ`mMo H$moUVohr Xm{`Ëd Zmhr Am{U àm`mo[aQ>r nmg J«yn Am°\$ H§$nZrO²
qH$dm ~±H$ H$moUË`mhr H$mS©>YmaH$mbm Am{U / qH$dm gmo~VrÀ`m nmhþÊ`m§Zm Ë`m§À`m {d_mZmV MT>Vm Z Amë`mg CØdUmè`m àË`j
qH$dm AàË`j ZwH$gmZmgmR>r O~m~Xma Yabr OmD$ eH$V Zmhr.
11. _mo\$V _Únoò ({OWo ñWm{ZH$ H$m`ÚmZo AZw_Vr Amho) nwadUo àËòH$ bmD$§O g§MmbH$mÀ`m {ZU©`mYrZ Amho Am{U H$mhr ~m~VtV Vo
_`m©{XV Agy eH$Vo. Aem doir H$moUË`mhr A{V[aº$ AmH$maÊ`m§gmR>r WoQ> bmD$§O H$_©Mmè`m§Zm n¡go âÊ`mH$[aVm H$mS©>YmaH$ O~m~Xma
Agob. (Vn{ebmgmR>r àm`mo[aQ>r nmg do~gmBQ>da CnbãY Agboë`m ñdV§Ì bmD$§OMr dU©Zo dmMm).
12. XÿaÜdZr gw{dYm ({OWo CnbãY AgVrb {VWo) Xa bmD$§OZwgma ~XbVmV Am{U bmD$§O g§MmbH$mÀ`m {ZU©`mYrZ nwadë`m OmVmV.
_mo\$V dmna ghgm ñWm{ZH$ H$m°ëgnwaVm _`m©{XV AgVmo. \°$Šg, em°da, B§Q>aZoQ> Am{U dm`\$m` gw{dYm ({OWo bmJy {VWo) àËòH$
bmD$§O g§MmbH$mÀ`m {ZU©`mYrZ AmhoV Am{U Ë`m§gmR>rMo n¡go WoQ> bmD$§O H$_©Mmè`m§Zm XoUo hr H$mS©>YmaH$mMr O~m~Xmar Agob.
13. bmD$§O_Üò àdoe {_iUo ho H$mS©>YmaH$m§H$So> Am{U H$moUË`mhr nmhþÊ`m§H$So> Ë`m{XderMo d¡Y {d_mZàdmgmMo {V{H$Q> AgÊ`mAYrZ Agob.
{d_mZgodm, {d_mZVi Am{U BVa àdmgjoÌmVrb H$_©Mmar Oo H$_r XamÀ`m {V{H$Q>md§ a àdmg H$aV AgVrb, Ë`m§Zm H$Xm{MV àdoe
{_iUma Zmhr. A_o[aHo$~mhoa, {ZJ©_ZmÀ`m åhUOoM Ho$di naXoer OmUmè`m àdmem§H$So> {d_mZ CÈ>mUmgmR>r {d_mZmÀ`m {V{H$Q>mgmo~V
d¡Y ~mo{Sª>J nmg AgUo Amdí`H$ Amho. H¥$n`m Zm|X ¿`m H$s `wamon_Yrb H$mhr bmD$§Oog {d_mZVimÀ`m Zo_yZ {Xboë`m eoZJoZ
joÌm§_Üò AgVmV Á`mMm AW© Agm H$s Ho$di eoZJoZ Xoem§Xaå`mZ àdmg H$aUmè`m§ZmM `m bmD$§Oog_Üò àdoe {_iVmo (Am°pñQ´>`m,
~opëO`_, So>Ý_mH©$, {\$Zb±S>, \«$mÝg, O_©Zr, J«rg, X ZoXab±S²g, AmBgb±S>, BQ>br, bŠP_~J©, Zm°d}, nmoVw©Jmb, ñnoZ Am{U ñdrS>Z).
14. bmD$§O_Üò àdoe {_iUo gXñ`m§À`m Am{U H$moUË`mhr nmhþÊ`m§Mo (`m_Üò bhmZ _wbo g_m{dï>) dV©Z Am{U H$nSo> (`wEgE ~mhoa
em°Q²g©Mr g§_Vr Zmhr) gä` Am{U `mo½` arVrV AgÊ`mÀ`m AYrZ Amho. bmD$§O_Yrb nmhþÊ`m§Zm {dM{bV H$aUmar qH$dm Ìmg hmoB©b
Ago dmJUmar A^©Ho$ qH$dm bhmZ _wbo `m§Zm bmD$§O H$_©Mmè`m§À`m EH$b {ZU©`mYrZ bmD$§O gw{dYm§_YyZ ~mhoa OmÊ`mg gm§{JVbo
OmD$ eH$Vo. gXñ`mZo Am{U / qH$dm nmhþÊ`m§Zr `m AQ>tMo nmbZ Ho$bo Zmhr åhUyZ H$mS©>YmaH$mbm Am{U nmhþÊ`m§Zm bmD$§O
g§MmbH$mZo àdoe ZmH$maë`m_wio hmoUmè`m H$moUË`mhr ZwH$gmZmgmR>r àm`mo[aQ>r nmg J«yn Am° \$ H§$nZrO² qH$dm ~±H$ O~m~Xma amhUma
Zmhr.
15. àm`mo[aQ>r nmg H$mS©> hadë`mg, Mmoar Pmë`mg qH$dm Iam~ Pmë`mg ~±Ho$À`m J«mhH$ g§nH©$ H|$Ðmer VËH$mi g§nH©$ gmYmdm.
16. H$mS©>YmaH$mZo ~±Ho$H$S>rb H«o${S>Q> H$mS©> aÔ Ho$ë`mg qH$dm ZyVZrH$aU Z Ho$ë`mg qH$dm EImXo ImVo AnMmar ImVo Pmë`mg, àm`mo[aQ>r
nmg H$mS©> Ë`mÀ`m H«o${S>Q> H$mS©> aÔ Pmë`mÀ`m / Ad¡Y Pmë`mÀ`m {XZm§H$mnmgyZ Ad¡Y hmoB©b. Ad¡Y H$mS©> dmnê$Z H$mS©>YmaH$mZo
bmD$§Obm ôQ> {Xë`mg, `m_Üò nmhþUo g_m{dï>, Ë`m ôQ>rMr AmH$maUr H$mS©>YmaH$mbm H$aÊ`mV òB©b Am{U `mg§~§YmZo H$mS©>YmaH$
~±Ho${damoYmV H$moUVmhr Xmdm H$aUma Zmhr.
17. àm`mo[aQ>r nmg {b., `m§Zm Ë`m§À`m YmoaUm§VJ©V, {d_mZgodm, {d_mZVi H$_©Mmar qH$dm {d_mZgodm dm {d_mZVi gwajoÀ`m g§X^m©Vrb
emgH$s` H$_©Mmar `m§Zm gXñ`Ëd ZmH$maÊ`mMm A{YH$ma Amho.
18. H$mS©>YmaH$ Am{U/qH$dm H$moUVohr nmhþUo `m§À`mV Am{U bmD$§O g§MmbH$mV CØdy eH$Umè`m H$moUË`mhr dmXmgmR>r àm`mo[aQ>r nmg J«yn
Am°\$ H§$nZrO² qH$dm ~±H$ O~m~Xma Yabr OmD$ eH$V Zmhr.
19. H$mS©>YmaH$ ho _mÝ` H$aVmo H$s Vmo àm`mo[aQ>r nmg Am{U H$moQ>H$ _qhÐm ~±H$ `m§Zm, Ë`m§Mo g§MmbH$, A{YH$mar, H$_©Mmar Am{U EO§ Q²g
(EH${ÌVnUo 'j{VnyV© nj') `m§Zm H$mS©>YmaH$mZo qH$dm H$moUË`mhr nmhþÊ`m§Zr qH$dm H$mS©>YmaH$mÀ`m dVrZo gXa bmD$§O_Üò EImÚm
ì`{º$Zo Ho$boë`m bmD$§OÀ`m dmnamVyZ H$moUË`mhr ì`º$sg XþImnV Pmë`m_wio qH$dm _¥Ë`w Pmë`m_wio qH$dm H$moUË`mhr _mb_ÎmoMo
ZwH$gmZ qH$dm qdÜd§g Pmë`m_wio CØdUmè`m gd© Xm{`Ëdm§nmgyZ, Anm`m§nmgyZ, ZwH$gmZm§nmgyZ, Xmì`m§nmgyZ, IQ>ë`m§nmgyZ,
{ZdmS>çm§nmgyZ, qH$_Vr d IMmªnmgyZ (dmOdr d{H$bmMr ewëHo$ g_m{dï>) gwa{jV R>do ob Am{U j{VnyV© H$aob Am{U Ë`m§nmgyZ `m§Zm
Anm` hmoD$ XoUma Zmhr, AndmX hm H$s j{VnyV© njm§V\}$ A{V{ZîH$miOrnUmVyZ qH$dm EopÀN>H$ J¡adV©ZmVyZ Pmboë`m H¥$Ë`m§Zm hr
j{VnyVu bmJy hmoV Zmhr.

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20. àm`mo[aQ>r nmg bmD$§O Šgog \°$g{bQ>rÀ`m g§~§YmZo H$mS©>YmaH$mZo Ho$boë`m qH$dm Ë`mÀ`mda Ho$ë`m Joboë`m H$moUË`mhr Xmì`m§gmR>r qH$dm
dmXm§gmR>r H$emhr àH$mao ~±H$ O~m~Xma qH$dm Xo` amhUma Zmhr.
21. ~±H$ {VÀ`m EH$b {ZU©`mYrZ H$Yrhr àm`mo[aQ>r nmg bmD$§O Šgog \°{g{bQ>r H$moUË`mhr nyd©gyMZo{edm` ~Xbob qH$dm H$mTy>Z KoB©b
Am{U H$moUË`mhr àH$mao H$mS©>YmaH$mbm `mg§~§YmV Xo` AgUma Zmhr. Aem àH$aUm§V dm{f©H$ ewëH$mMm / Zm|XUr ewëH$mMm (Oo bmJy
Agob Vo) naVmdm hmoUma Zmhr.
22. Cnamoº$ g§X^m©V Vw_Mm H$moUVmhr dmX qH$dm VH«$ma Agë`mg Vwåhr ~±Ho$À`m J«mhH$ g§nH©$ H|$Ðmer g§nH©$ gmYy eH$Vm.
23. `m \°${g{bQ>r_YyZ qH$dm {VÀ`m g§~§YmZo qH$dm {VÀ`m_wio qH$dm BVa H$maUmZo {VÀ`mer g§~§{YV AgUmao gd© dmX, Oa AgVrb Va,
Ho$di _w§~B©_Yrb Ý`m`mb`m§À`m/Ý`m`m{YH$aUm§À`m EH$b A{YH$majoÌmÀ`m AYrZ amhVrb.
H$moQ>H$ H«o${S>Q>H$mS>©²g ardm°S²g© àmoJ°«_ {d^mJ :

A. ardm°S©> nm°B§Q²g àmoJ«°_
1. ì`m»`m : nwT>rb g§km§Mo, AZwf§Jm_Üò doJim C„oI Agë`mIoarO nwT>rb AW© AgVrb :
H$) ""ardm°S©> nm°B§Q²g'' / ""S>m`qZJ nm°B§Q²g'' / ""gopìh§J nm°B§Q²g'' / ""PoZ nm°B§Q²g'' ho ardm°S©> nm°B§Q²g àmoJ«°_ A§VJ©V {Xbo OmUmao
ardm°S©> nm°B§Q²g AmhoV;
I) ""Xoem§VJ©V IaoÚm'' åhUOo én`m MbZmV Ho$bobr H$moUVrhr IaoXr;
J) ""Am§Vaamï´>r` IaoÚm'' åhUOo én`m ì`{V[aº$ MbZmV Ho$bobr H$moUVrhr IaoXr.
2. àmoJ°«_ (H$m`©H«$_)
2.1. ardm°S©> nm°B§Q²g àmoJ«°_ Ho$di doëW _°ZoO_|Q> H$mS©>, H$moQ>H$ amo`mb {g¾oMa, H$moQ>H$ PoZ {g¾oMa, H$moQ>H$ àrìhr brJ {g¾oMa, H$moQ>H$ brJ
ßb°{Q>Z_, \$sñQ>, EZAmaAm` brJ ßb°{Q>Z_ H$mS©>, H$moQ>H$ BgopÝe`m ßb°{Q>Z_ H«o${S>Q> H$mS©>, {gëH$ BÝñnmà ßb°{Q>Z_ H«o${S>Q> H$mS©> Am{U
EZAmaAm` amo`mb {g¾oMa H$mS>©²g, H$moQ>H$ A~}Z JmoëS> Am{U H$moQ>H$ dobm°{gQ>r ßb°{Q>Z_ H«o${S>Q >H$mS>©²g, H$moQ>H$ gmobm[ag ßb°{Q>Z_ H$mS©>,
H$moQ>H$ {~P H«o${S>Q> H$mS>©/dra-ßb°{Q>Z_ H$mS>©/{gboŠQ> H$mS>©, 6B© [adm°S>©²g B§{S>Jmo H$moQ>H$ H«o${S>Q> H$mS>©, 6B© [adm°S>©²g B§{S>Jmo EŠgEb B§{S>Jmo
H$moQ>H$ H«o${S>Q> H$mS>© `m§Zm bmJy hmoVo. ardm°S©> nm°B§Q²g àmoJ«°_ EH$ ardm°S²g© àmoJ«°_ Amho Omo H$mS©>YmaH$mbm Ë`mÀ`m / {VÀ`m H$mS©>da dñVy Am{U
godm§À`m Xoem§VJ©V / Am§Vaamï´>r` IaoXrgmR>r Ho$boë`m d¡Y AmH$maÊ`m§da Am{U ardm°S©> nm°B§Q²g àmoJ«°_À`m hoVwH$[aVm ~±Ho$H$Sy >Z doimodoir
g_m{dï> hmoUmè`m BVa H$moUË`mhr AmH$maÊ`m§da ardm°S©> nm°B§Q²g H$_dy XoVmo.
2.2. gmobm[ag H«o${S>Q> H$mS©>gmR>r, H$mS©>YmaH$ _yb^yV ardm°S©> nm°B§Q²g H$_mdVrb åhUOoM, ì`mnmè`mZo ì`dhmamMm Xmdm Ho$bm H$s IM© Ho$boë`m Xa
é 150 _mJo 2 ardm°S©> nm°B§Q²g {_iVrb Am{U Vo Ë`mM {ddaU MH«$m_Üò Xe©dbo OmVrb. gd© B© -H$m°_ / Am°ZbmB©Z ì`dhmam§da (MOTO,
IVR Am{U ñWm`r gyMZm dJiVm) d{Y©V ardm°S©> nm°B§Q²g åhUOoM IM© Ho$boë`m Xa é 150 _mJo 3 ardm°S©> nm°B§Q²g Ë`mnwT>rb {ddaU
MH«$m_Üò Xe©dbo OmVrb. H$moUVmhr ì`dhma namd{V©V Pmë`mg Ë`m à_mUmV _yb^yV ardm°S©> nm°B§Q²g (( @2X) Ë`mM {ddaU MH«$m_Üò
namd{V©V Ho$bo OmVrb. Oa namd{V©V ì`dhma B©-H$m°_ ì`dhma Agob, Va d{Y©V ardm°S©> nm°B§Q²g (@3X) Ë`mnwT>rb {ddaU MH«$m_Üò dOm
Ho$bo OmVrb.
2.3. gmobm[ag H«o${S>Q> H$mS©>gmR>r, Oa J«mhH$mZo H$mS©> goQ> An nmgyZ 60 {Xdgm§À`m AmV 1 ì`dhma Ho$bm Am{U gh^mJ ewëH$mMm g§nyU© âUm
Ho$bm Va ~moZg ardm°S©> nm°B§Q²g J«mhH$mÀ`m Zmdo H«o${S>Q> hmoVrb.
2.4. ardm°S©> nm°B§Q²g àmoJ«°_ H$mS©>YmaH$m§Zm ~±Ho$À`m EH$b {ZU©`mYrZ CnbãY amhrb, Am{U Xa H$mS©>Zwgma Vmo doJim Agy eHo$b. àmoJ« °_ g§~§{YV
Am{U / qH$dm ardm°S©> nm°B§Q²g g§~§{YV _m{hVr (`m_Üò ardm°S©> nm°B§Q²gÀ`m {d_moMZmMo ñdê$n Am{U nÕVr B. H$moUË`mhr _`m©Xo{edm`
g_m{dï>) H$mS©>YmaH$mbm ~±Ho$H$Sy>Z doimodoir H$idbr OmB©b.

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ardm°S©> nm°B§Q²g nwT>rb Vº$`mZwgma g§M{`V hmoVrb.
H$moQ>H$ noS> H$moQ>H$ H$moQ>H$ H$moQ>H$ doëW H$moQ>H$ àrìhr H$moQ>H$ H$moQ>H$
amo`mb amo`mb PoZ _°ZoO_|Q> H$mS©> brJ {g¾oMa àrìhr brJ EZAmaAm
H$mS©> {g¾oMa (IaoXrXma {g¾oMa ` amo`mb
H$mS©> `moOZm) (àdmgr)
{deof àdJ© Q´>°ìhb EOÝgrO² hm°Q>oëg, aoñQ>ma° §Q²g, Ho$_m°bda Ho$bobo hm°Q>oëg, aoñQ>ma° §Q²g, BpÝg{¾`m H$mS©> - BpÝg{¾`m H$mS©> - Am§Vaamï´>r` IM©
Am{U Qy>a Q´>°ìhb EOÝgrO² gd© ì`dhma Q´>°ìhb EOÝgrO² Am{U Qy>a H$nSo>, {Q>H$mD$ dñVy, Am§Vaamï´>r` IM©,
g§MmbH$, Am{U Qy>a g§MmbH$, n°Ho$O Qy>a dmUgm_mZ, ~hþ ~«±So>S> {d_mZgodm, hm°Q>oëg,
n°Ho$O Qy>a g§MmbH$, n°Ho$O g§MmbH$, {d_mZgodm Am°ZbmB©Z S>rnmQ>©_|Q>b Q´>°ìhb EOÝgrO²
g§MmbH$, Qy>a g§MmbH$, Am{U {d_mZ dmhH$, Am{U ñQ>mgo ©, Am°pßQ>_m Am{U ewëH$_wº$
{d_mZgodm {d_mZgodm Am{U Am{U gd© Am§Vaamï´>r` / àm`_m H$mS©> H$nSo>, Am°pßQ>_m / àm`_m
Am{U {d_mZ {d_mZ dmhH$, IM© {Q>H$mD$ dñVy, Xm{JZo, H$mS©> H$nSo>, {Q>H$mD$
dmhH$, {dÚwV Am{U gd© S>rnmQ>©_|Q>b ñQ>mgo © dñVy, Xm{JZo,
{dH«$s, {Q>H$mD$ Am§Vaamï´>r` IM© Am{U aoñQ>m°a§Q²g S>rnmQ>©_|Q>b ñQ>mgo ©
dñVy, >rnmQ>©_|Q> Am{U aoñQ>m°a§Q²g
ñQ>mog© Am{U
gd© m§Vaamï´>r`
IM©
{deof 10X 4X ardm°S²g© 15 PoZ 5X IM© Ho$boë`m 5X IM© 5X IM© 2 ardm°S²g©
àdJmªdarb ardm°S²g©/ /` 150 nm°B§Q²g / Xa Ho$boë`m Xa Ho$boë`m Xa /` 200
ardm°S©> nm°B§Q²g `100 `150 ` 100 _mJo ` 100 _mJo ` 100 _mJo
5X ardm°S²g© / 2X ardm°S²g© / 5 PoZ 2X IM© Ho$boë`m 2X IM© 2X IM© 1 ardm°S©>/

BVa
` 100 ` 150 nm°B§Q²g / Xa ` 100 _mJo Ho$boë`m Xa ` Ho$boë`m Xa ` ` 200
àdJmªdarb
`150 100 _mJo 100 _mJo
ardm°S©>
nm°B§Q²g
nm°B§Q²gMo amoI, amoI, {gZo{V{H$Q>o, amoI, amoI, {gZo{V{H$Q>o, amoI, {gZo{V{H$Q>o, amoI, amoI,
{d_moMZ {gZo{V{H$Q>o, EAa_mBëg Am{U {gZo{V{H$Q>o, EAa_mBëg Am{U EAa_mBëg Am{U {gZo{V{H$Q>o, {gZo{V{H$Q>o,
EAa_mBëg AmUIr AZoH$ EAa_mBëg AmUIr AZoH$ AmUIr AZoH$ Am°ZbmB©Z EAa_mBëg
Am{U AmUIr àH$mao {d_mo{MV Am{U AmUIr àH$mao {d_mo{MV àH$mao {d_mo{MV IaoXr Am{U Am{U AmUIr
AZoH$ àH$mao H$aVm òD$ eH$VmV AZoH$ àH$mao H$aVm òD$ H$aVm òD$ EAa_mBëg `m AZoH$ àH$mao
{d_mo{MV H$aVm {d_mo{MV eH$VmV eH$VmV àH$mao {d_mo{MV
òD$ eH$VmV H$aVm òD$ {d_mo{MV H$aVm òD$
eH$VmV H$aVm òD$ eH$VmV
eH$VmV
ardm°S©> nm°B§Q²g 7.5 n¡go à{V 18.75 n¡go 25 n¡go 25 n¡go à{V 25 n¡go à{V 25 n¡go ` 1 à{V
H«o${S>Q>_Üò nm°B§Q> à{V nm°B§Q> à{V nm°B§Q> nm°B§Q à{V nm°B§Q
~XbÊ`mMm nm°B§Q> nm°B§Q>
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H$moQ>H$ brJ A~}Z H$moQ>H$ {~P H«o${S>Q> H$moQ>H$ _moOmo Q´>ån / \$sñQ> BgopÝe`m gmobm[ag 811 # S´>r_
H$mS>© ßb°{Q>Z_ H$mS©> {S>\$a§Q>
{deof àdJ© {d_mZgodm, {Q>H$mD$ bmJy Zmhr Q´>°ìhb A±S> Qy>a Am°naoQ>a, Ho$_m°bda Am{U BVa pìhgm Zo {Xboë`m Am°ZbmB©Z Am°ZbmB©Z IM©
dñVy, S>rnmQ>©_|Q>b IM© S>mo_opñQ>H$ EAabmB©Z, Am°ZbmB©Z IMm©Mo Ho$bobo ì`m»òZwgma "CnmhmaJ¥ho' IM©
S>màoŠQ> _mH}$qQ>J/Om{hamV gd© ì`dhma Am{U "H$a_UyH$' `m
godm, bm°qOJ - ì`mnmar àdJ©
hm°Q>ob/_m°Q>ob/[agm°Q>©/pâb g§H$o Vm§VJ©V dJuH¥$V
nH$mQ>© ~r2~r ì`mnmar AmñWmnZm§_Üò
Ho$bobo OodU Am{U
_Zmoa§OZ
{deof bmJy Zmhr Ho$_m°b - 5 _moOmo 10 S>m`qZJ 10 gopìh§J 5 ardm°S©> 2 ardm°S©> à{V
8X ardm°S²g© 4 X [adm°S>©²g/`100
àdJmªdarb nm°BªQ²g / ₹100 nm°BQ§ > nm°BQ§ ²g nm°BQ§ ²g / nm°BQ§ ²g /
/ `150
ardm°S©> BVa Am°ZbmB©Z - 2.5 `100 /`100 `150 `100
nm°BQ§ ²g _moOmo nm°BªQ²g / ₹100
{H$_mZ 2,000 én`m§Mm
ì`dhma
2 bmIm§n`ªV 4X 3X ardm°S²g© / 1 gopìh§J nm°BQ§ > 2 ardm°S©> 1 ardm°S©> à{V
BVa gd© 1 X [adm°S>©²g/`100 1 _moOmo nmBªQ> / ₹100 eyÝ`
ardm°S²g© / ` 100 / nm°BQ§ ²g / nm°BQ§ > /`100
àdJmªdarb
ardm°S©> `150, 2 bmIm§nwT>o ` 250 `150 IM©
nm°BQ§ ²g 8X ardm°S²g©
nm°BQ§ ²gMo amoI a¸$_, {MÌnQ>m§Mr amoI, amoI, {gZo{V{H$Q>o,

amoI, {gZo{V{H$Q>o, amoI, amoI a¸$_, {MÌnQ>m§Mr amoI ñdê$nmV amoI,
{d_moMZ {V{H$Q>o, EAa_mB©ëg Am{U {gZo{V{H$Q>o, EAa_mBëg Am{U
EAa_mBëg Am{U {gZo{V{H$Q>o, {V{H$Q>o, EAa_mB©ëg {d_mo{MV H$aVm òD$ {gZo{V{H$Q>o,
AmUIr ~è`mM àH$mao [aS>r_ EAa_mBëg AmUIr AZoH$
AmUIr AZoH$ àH$mao EAa_mBëg Am{U AmUIr ~è`mM eH$VmV qH$dm EAa_mBëg
Ho$bo OmD$ eH$VmV. Am{U AmUIr àH$mao {d_mo{MV
{d_mo{MV H$aVm òD$ Am{U AmUIr àH$mao [aS>r_ Ho$bo OmD$ {gZo{V{H$Q>o, Q´>°ìhb Am{U AmUIr
AZoH$ àH$mao H$aVm òD$ eH$VmV
eH$VmV AZoH$ àH$mao eH$VmV. ìhmCMg©, Am°ZbmB©Z AZoH$ àH$mao
{d_mo{MV
{d_mo{MV IaoXr Am{U {d_mo{MV
H$aVm òD$
H$aVm òD$ EAa_mBëg `m àH$mao H$aVm òD$
eH$VmV
eH$VmV {d_mo{MV H$aVm òD$ eH$VmV
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H«o${S>Q>_Üò nm°BQ§ > à{V n`m©`m§gmR>r à{V nm°BªQ> 25 gopìh§J nm°BQ§ à{V nm°BQ§ > n¡go
~XbÊ`mMm nm°BQ§ > n¡go XamZo EgAma Ho$ë`mZ§Va à{V
Xa amoI aH$_oÀ`m ~Xë`mV \$º$ nm°BQ§ >
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dra - ßb°{Q>Z_ dra - {gboŠQ>

Img g§dJ© OodU, {MÌnQ>, {S>nmQ>©_|Q>b Am{U OodU, {MÌnQ>, {S>nmQ>©_|Q>b Am{U dmUgm_mZ
dmUgm_mZ
{deof g§dJmªda [adm°S>© nm°BªQ²>g 3 X [adm°S>©²g/é.200, åhUOoM 6 3 X [adm°S>©²g/é.200, åhUOoM 9 [adm°S>©²g/é.200
[adm°S>©²g/é.200 (H$_mb _`m©Xm \$º$ (H$_mb _`m©Xm \$º$ 4 g§dJmªda Xa_hm 1000)
4 g§dJmªda Xa_hm 750)
BVa gd© g§dJmªda [adm°S>© nm°BªQ²>g 2 [adm°S>©²g/é.200 3 [adm°S>©²g/é.200
nm°BªQ²>gMo [aS>oåneZ amoI a¸$_, {MÌnQ>m§Mr {V{H$Q>o, amoI a¸$_, {MÌnQ>m§Mr {V{H$Q>o, EAa_mB©ëg Am{U
EAa_mB©ëg Am{U AmUIr ~è`mM AmUIr ~è`mM àH$mao [aS>r_ Ho$bo OmD$ eH$VmV.
àH$mao [aS>r_ Ho$bo OmD$ eH$VmV.
`m XamZo [adm°S>© nm°BªQ²>g H«o${S>Q> Ho$bo 25 n¡go à{V nm°BªQ> 25 n¡go à{V nm°BªQ>
OmVmV.
*6B© [adm°S>©²g B§{S>Jmo H$moQ>H$ H«o${S>Q> H$mS>©À`m [adm°S>©²gMm C„oI nmZ H«$. 54 da H$aÊ`mV Ambobm Amho.
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4. ardm°S>© àmoJ«°åggmR>rMo gd©gmYmaU {Z`_ d AQ>r
4.1. Cnamoº$ `mXr ~±Ho$H$Sy>Z {VÀ`m {ZU©`mYrZ H$mS©>YmaH$mbm Z H$idVm ~Xbbr OmD$ eH$Vo.
4.2. {OWo B§YZ A{Y^ma _m\$s {Xbr OmVo Aer B§YZ IaoXr, aoëdo A{Y^ma _m\$s {Xbr OmVo Vo aoëdo ì`dhma, d¡`{º$H$ H$O}, amoI AmJmD$
aH$_m Am{U gh^mJ ewëH$, dm{f©H$ ewëH$, A°S> Am°Z H$mS©> ewëH$, AZoH$ H$mS©> ewëH$, {e„H$ hñVm§VaU, AmJmD$ amoI ì`dhma ewëH$, Z
dQ>boë`m YZmXoemdarb AmH$maUr, {dÎmr` AmH$maUr, AnMma AmH$maUr, {db§{~V A{YXmZ AmH$maUr, g§H$bZ AmH$maUr Am{U ~±Ho$Zo
bmdbobo BVa H$moUVohr ewëH$ qH$dm AmH$maUr, {e„H$ hñVm§VaUo, B©E_Am` ì`dhma, amoI AmhaUo, S>r_m§S> S´>mâQ> Am{U godm^ma
ì`dhma `m g§~§YmVrb ì`dhmam§da nm°B§Q²g {Xbo OmUma ZmhrV. ì`dhmam§Mr `mXr ~±Ho$H$Sy>Z {VÀ`m {ZU©`mYrZ H$mS©>YmaH$mbm H$idyZ
~Xbbr OmD$ eH$Vo. 6B© [adm°S>²g© EŠgEb B§{S>Jmo H$moQ>H$ H«o${S>Q> H$mS>© / 6B© [adm°S>©²g B§{S>Jmo H$moQ>H$ H«o${S>Q> H$mS>©, _m{gH$ háo dJiVm
gdmª_YyZ dJibr OmVrb.
4.3. S>m`qZJ nm°B§Q²g Ho$di ñdV§Ì XþH$mZm§_Üò Pmboë`m ì`dhmam§da {Xbo OmVmV Am{U H$moUË`mhr hm°Q>oëg / em°qnJ _m°ëg / S>rnmQ>©_|Q >b
ñQ>mog© B. er g§~§{YV XþH$mZm§Zm bmJy hmoV ZmhrV, Am{U Ë`m§Mo dJuH$aU pìhgmZo {Xboë`m ì`m»òZwgma ""hm°Q>ob'', ""dmUgm_mZ'',
""H$nSo>'', ""S>rnmQ>_© |Q>b ñQ>mog©'' B. g§~§{YV ZoQ>dH©$ nmQ>©Zg©Zo R>adyZ {Xë`mZwgma ì`mnmar àdJ© g§Ho$Vm§_Üò hmoVo. S>m`qZJ nm°B§Q²g \$º$
VoìhmM {Xbo OmVrb Ooìhm {~qbJ MH«$m_Üò {H$_mZ é 5,000 Mm {H$aH$moi IM© Pmbm Agob. EH$m _{hÝ`mVrb {~qbJ MH«$m_Üò
S>m`qZJ Am{U H$a_UwH$sg§~§YmVrb ì`dhma {_iyZ S>m`qZJ nm°B§Q²g OmñVrV OmñV 600 nm°B§Q²gn`ªV CnbãY AgVrb. EH$mM S>m`qZJ
qH$dm {MÌnQ> ì`dhmamMo _yë` é 4,000/- nbrH$So> Joë`mg Ë`mda H$moUVohr S>m`qZJ nm°B§Q²g {_iUma ZmhrV. EH$m {~qbJ MH«$mMo
S>m`qZJ nm°B§Q²g nwT>rb _m{gH$ {~qbJ MH«$m_Üò H«o${S>Q> Ho$bo OmVrb.
4.4. A°S>-Am°Z H$mS>©²gÛmao g§M{`V nm°B§Q²g AmnmoAmn A°S>-Am°Z H$mS>©²g {ZJ©{_V Pmboë`m à_wI H$mS©> ImË`m_Üò g§M{`V hmoVrb Am{U BVa
H$moUË`mhr H$mS©> ImË`mV hmoUma ZmhrV.
4.5. H$moQ>H$ BgopÝe`m H«o${S>Q> H$mS©>da dmUgm_mZ Am{U S>rnmQ>©_|Q>b ñQ>mog©da 10 gopìh§J nm°B§Q²g {Xbo OmVmV Am{U EH$m {~qbJ MH« $mV H$_mb
500 gopìh§J nm°B§Q²g {_iy eH$VmV. 10 gopìh§J nm°B§Q²g \$º$ Ë`m ì`mnmar AmñWmnZm§_Yrb ì`dhmam§da {Xbo OmVmV Á`m§Mo dJuH$aU
pìhgmÀ`m ì`m»òZgw ma ""S>rnmQ>©_|Q>b ñQ>mog© Am{U dmUgm_mZ'' g§~§{YV ZoQ>dH©$ nmQ>©Zg©Zo R>adyZ {Xë`mZwgma ì`mnmar àdJ© g§Ho$VmV
(E_grgr) hmoVo. 10 gopìh§J nm°B§Q²g é 1500 À`m {H$_mZ IaoXrda Am{U é 4000 À`m H$_mb IaoXrda {Xbo OmVrb. BVa IMmªda
gopìh§J nm°B§Q²g H$_mdÊ`mgmR>r H$moUVrhr _`m©Xm Zmhr.
4.6. H$moQ>H$ {gëH$ BÝñnmà ßb°{Q>Z_ H«o${S>Q> H$mS©>da H$nS>çm§darb IMmªgmR>r 5 ardm°S©> nm°B§Q²g {Xbo OmVmV Am{U EH$m {~qbJ MH«$ mV H$_mb
500 gopìh§J nm°B§Q²g {_iy eH$VmV. 5 gopìh§J nm°B§Q²g \$º$ Ë`m ì`mnmar AmñWmnZm§_Yrb ì`dhmam§da {Xbo OmVmV Á`m§Mo dJuH$aU
pìhgmÀ`m ì`m»òZwgma ""H$nSo>'' g§~§{YV ZoQ>dH©$ nmQ>©Zg©Zo R>adyZ {Xë`mZwgma ì`mnmar àdJ© g§Ho$VmV (E_grgr) hmoVo. H$nSo> àdJm©da IM©
Ho$boë`m àËòH$ ` 100 _mJo 5 ardm°S©> nm°B§Q²g {Xbo OmVrb Oa EH$m {~qbJ MH«$m_Yrb IM© é 7500 À`m AmV Agob Va. BVa àdJmªda
ardm°S©> nm°B§Q²g {_idÊ`mda H$moUVrhr _`m©Xm Zmhr.
4.7. R>amdrH$ H$mbmdYrV H$mS©>YmaH$mbm OmñVrV OmñV nm°B§Q²g {H$Vr {_iy eH$VmV Ë`mMm AmH$S>m Z_yX H$aÊ`mMm A{YH$ma ~±H$ amIyZ R>odV
Amho. ~±Ho$Zo Z_yX Ho$boë`m H$_mb nm°B§Q²gMr g§»`m nma Pmë`mZ§Va H$mS©>YmaH$ Ë`m H$mbmdYrgmR>r AmUIr nm°B§Q²g g§M{`V H$ê$ eH$Uma
Zmhr.
4.8. {d_moMZmÀ`m doir gd© g§b¾ ImVr Am{U H$mS©> gwpñWVrV Agm`bm hdo (åhUOoM AnMmar ImVr Agy ZòV) Am{U ~±Ho$Ûmao qH$dm
H$mS©>YmaH$mÛmao aÔ qH$dm Zï> Ho$br OmD$ ZòV Am{U {d_moMZmÀ`m doir H$mS©> \$gdUwH$sÀ`m/hadë`mÀ`m/Mmoar Pmë`mÀ`m/Zo_yZ {Xboë`m
H«o${S>Q> _`m©XonbrH$So> H$mS©>Mm dmna Pmë`mÀ`m H$maUm_wio VmËnwaVo Adamo{YV Ho$bobo Agy Zò. H$mS©> ImVo {Z`{_V Pmë`mZ§Va, ~±Ho$À`m
{ZU©`mYrZ, nm°B§Q²g {d_moMZmgmR>r nmÌ hmoD$ eH$VmV.
4.9. nm°B§Q²g Ho$db àmW{_H$ H$mS©>YmaH$M {d_mo{MV H$ê$ eH$Vmo.
4.10. H$mS©>YmaH$mZo ardm°S©> nm°B§Q²gÀ`m ñd`§{d_moMZmMm n`m©` ñdrH$mabm Agob, Va H$mS©> ImVo {ddaUm_Üò Xa {V_mhrÀ`m gwédmVrbm AmnmoAmn
H«o${S>Q> hmoB©b. ~±H$ {Vbm `mo½` dmQ>ob Vgo Am{U Voìhm ardm°S©> nm°B§Q²g ñd`§{d_mo{MV H$aÊ`mMm Am{U H$mS©>YmaH$mÀ`m ImË`m_Üò
H«o${S>Q>XoÊ`mMm h¸$ amIyZ R>odVo.
4.11. H$moQ>H$ doëW _°ZoO_|Q> H$mS©>, H$moQ>H$ amo`mb {g¾oMa, H$moQ>H$ PoZ {g¾oMa, H$moQ>H$ EZAmaAm` am°`b {g¾oMa, H$moQ>H$ àrìhr brJ {g¾oMa,
H$moQ>H$ brJ ßb°{Q>Z_, {gëH$ BÝñnmà ßb°{Q>Z_ Am{U \$sñQ> H$mS©> `m§_Üò àmW{_H$ H$mS©>YmaH$mbm ñd`§{d_moMZ gH«$s` H$aÊ`mgmR>r J«mhH$
godog H$m°b H$amdm bmJob. ardm°S©> nm°B§Q²g {gZo{V{H$Q>o, EAa_mBëg Am{U BVa AZoH$ n`m©`m§g_moa {d_mo{MV Ho$bo OmD$ eH$VmV, H¥ $n`m
A{YH$ _m{hVrgmR>r H$moQ>H$ ~±H$ do~gmBQ>À`m ZoQ> ~±qH$J {d^mJmg ôQ> Úm. ho {d_moMZ {_idÊ`mgmR>r, H$mS©>YmaH$mbm ardm°S©> nm°B§Q²gMo
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ñd`§{d_moMZ {ZîH«$s` H$amdo bmJob d Ë`mgmR>r ~±Ho$À`m J«mhH$ g§nH©$ H|$Ðmbm H$m°b H$amdm bmJob. ardm°S©> nm°B§Q²gMo w.kotak.comdo~gmBQ>da
AÚ`mdV Ho$boë`m Vn{ebm§à_mUo {d{dY àdJmª_Üò ê$nm§VaU Ho$bo OmB©b.
4.12. {d_moMZmgmR>r XoD$ H$aÊ`mV òUmè`m godm§Mr/CËnmXZm§Mr {ZdS> ~±Ho$À`m EH$b {ZU©`mYrZ Agob Am{U gyMZo{edm` ~XbÊ`mÀ`m AYrZ
Agob.
4.13. ardm°S©> nm°B§Q²gÀ`m ê$nm§VaUmMm Xa gyMZo{edm` ~XbÊ`mÀ`m AYrZ Agob.>
4.14. {gZo{V{H$Q>mg§ _moa Am{U B©Pr ardm°Sg² ©g_moa {d_mo{MV Ho$boë`m ardm°S©> nm°B§Q²g / gopìh§J nm°B§Q²g / S>m`qZJ nm°B§Q²g gmR>r, ~±H$
H$mS©>YmaH$mÀ`m Zm|XUrH¥$V B©_ob Am`S>rda EH$ ìhmCMa H$moS> nmR>dob. hr ìhmCMg© Vr Á`m Ì`ñW {dH«o$Ë`m§Zr {ZJ©{_V Ho$br AgVrb
Ë`m§Zr Zo_boë`m {Z`_ d AQ>tÀ`m AYrZ AgVrb.
4.15. ìhmCMg©er g§~§{YV H$moUVohr dmX H$mS©>YmaH$mZo WoQ> Ì`ñW {dH«o$Ë`m§H$So> Ý`mdoV.
4.16. H$mS©>YmaH$m§Zr EH$Xm ~±Ho$bm {d_moMZmMr Am°S©>a {Xbr H$s Vr aÔ H$aVm AWdm _mJo KoVm òUma Zmhr qH$dm ~XbVm òUma Zmhr.
4.17. {d_moMZ Pmë`mda ardm°S©> / S>m`qZJ / gopìh§J nm°B§Q²g AmnmoAmn H$mS©>YmaH$mÀ`m ImË`m_Yrb g§M{`V nm°B§Q²g_YyZ dOm Ho$bo OmVrb.
4.18. ~±Ho$H$So> Á`m H«$_mZo {dZ§Ë`m òVrb Am{U ñdrH$maë`m OmVrb Ë`m H«$_mZo Ë`m§Mr nyV©Vm hmoB©b.
4.19. Oa H$mS©>YmaH$mH$So> EImÚm Am°S©>agmR>r nwaogo nm°B§Q²g ZgVrb, Va Vr {dZ§Vr aÔ g_Obr OmB©b.
4.20. ^maV gaH$mabm qH$dm BVa H$moUË`mhr àm{YH$aUmbm qH$dm g§ñWobm qH$dm BVa H$moUË`mhr gh^mJr ì`mnmar AmñWmnZmbm Xo` AgUmam
H$moUVmhr H$a qH$dm BVa Xm{`Ëdo AWdm AmH$maÊ`m, Á`m Cnamoº$ Zwgma qH$dm BVa àH$mao `m àmoJ«°_À`m n[aUm_V: {d_moMZmÛmao CØdVrb
qH$dm g§M{`V hmoVrb, Ë`mgmR>r H$mS©>YmaH$ ñdV: O~m~Xma Agob.
4.21. H$mS©>YmaH$mZo ñdoÀN>oZo H$mS©> ~§X Ho$ë`mg, H$mS©> ImË`m_Üò Agbobo ardm°S©> nm°B§Q²g / S>m`qZJ / gopìh§J nm°B§Q²g aÔ Ho$bo OmVrb.
4.22. O_m Pmboë`m ardm°S©> nm°B§Q²g / S>m`qZJ / gopìh§J nm°B§Q²gZm amoI _yë` Zmhr Am{U Ë`m§Mm amoI aH$_oÀ`m ~Xë`mV {d{Z_` hmoD$ eH$V
Zmhr.
4.23. H$mS©>YmaH$ H$moUVohr ardm°S©> nm°B§Q²g / S>m`qZJ / gopìh§J nm°B§Q²g Xþgè`m ì`º$sbm hñVm§V[aV H$ê$ eH$V Zmhr qH$dm Ë`mÀ`m BVa
H$mS>mªdarb ardm°S©> nm°B§Q²g OmoSy>Z KoD$ eH$V Zmhr.
4.24. ardm°S©> nm°B§Q²g / S>m`qZJ / gopìh§J nm°B§Q²g H$_mdë`m {XZm§H$mnmgyZ 2 dfmªÀ`m AmV Oa {d_mo{MV Ho$bo ZmhrV Va H$mb~mø hmoVrb.
~±H$ ardm°S©> nm°B§Q> H$mb~mø hmoV Agë`mg J«mhH$mbm H$moUVrhr nyd©gyMZm nmR>dUma Zmhr.
4.25. ~±H$ H$moUË`mhr doir, nyd©gyMZo{edm`, `m gd© qH$dm H$moUË`mhr {Z`_ d AQ>t_Üò â KmbÊ`mMm, ~Xb H$aÊ`mMm qH$dm gwYmaUm
H$aÊ`mMm qH$dm hm àmoJ«°_ nyU©nUo H$mTy>Z KoÊ`mMm A{YH$ma amIyZ R>do V Amho.
4.26. H$mS©>YmaH$ ho _mÝ` H$aVmo Am{U ñdrH$maVmo H$s hm àmoJ«°_ nyU©nUo EopÀN>H$ Amho Am{U ho g_OÊ`mV òVo H$s `mVrb gd© AmH$maÊ`m
H$mS©>YmaH$mÛmao H$mS©> dmnamÀ`m gd©gmYmaU doimV ñdoÀN>oZo CØdbobo AmhoV.
4.27. ho {Z`_ d AQ>r H«o${S>Q>H$mS>©²gÀ`m dmnamda bmJy hmoUmè`m H$mS©>YmaH$ H$amambm OmoSy>Z AgVrb d Ë`mbm n`m©` åhUyZ / Ë`mbm {Zîà^
H$aUmè`m ZgVrb.
4.28. BWo C„opIV H$moUVrhr ~m~ ~±Ho$gmR>r qH$dm H$moUË`mhr gh^mJr ì`mnmar AmñWmnZogmR>r ~§YZH$maH$ Xm{`Ëd _mZbr OmUma Zmhr qH$dm
Vr hm àmoJ«°_ gwé R>odÊ`mgmR>rMr qH$dm `mnwT>o Aemgma»`mM qH$dm BVa `moOZm am~dÊ`mgmR>rMr ~±Ho$Mr H${Q>~ÕVm AWdm gmXarH$aU
R>aUma Zmhr.
4.29. `m àmoJ«°_g§~§YmV H$moUVmhr dmX CØdë`mg Vmo ~±Ho${damoYmV Xmdm R>aUma Zmhr.
4.30. ~±Ho$Zo Ho$bobr nm°B§Q²gMr JUZm A§{V_ Agob, {ZUm©`H$ Agob Am{U H$mS©>YmaH$m§da ~§YZH$maH$ Agob Am{U Vr dmXmg qH$dm AmìhmZmg
àdU Zgob.
4.31. `m ardm°S²g© àmoJ«°__Yrb H$moUË`mhr ~m~rMm AW© ~±Ho$Zo `m {Z`_ d AQ>tA§VJ©V {VMo H$moUVohr A{YH$ma gmoSy>Z {Xbo AmhoV Agm hmo Uma
Zmhr (`m_Üò ì`mO ewëH$ AmH$maUo g_m{dï>).
5. H$moQ>H$ àrìhr brJ {g¾oMa H$mS©> A§VJ©V nrìhrAma {V{H$Q>mMo {d_moMZ

5.1. H$mS©>YmaH$mbm Ë`mÀ`m Zm|XUrH¥$V _mo~mBb H«$_m§H$mda Am{U B©_ob Am`S>rda {V_mhrgmR>rÀ`m gw_mao 4 {dZm_yë` nrìhrAma {gZo{V{H$Q>m§Mr
EgE_Eg Am{U B©_oba _m\©$V _m{hVr AmnmoAmn nmR>dbr OmB©b.
5.2. H$mS©>YmaH$mZo {dZm_yë` nrìhrAma {gZo{V{H$Q>m(Q>m§)À`m Hy$nZ H$moS²gMm Xmdm nwT>rb 15 {Xdgm§V H$amdm, `mgmR>r Ë`mZo Ë`mÀ`m Zm|XUrH¥$V
_mo~mB©b H«$_m§H$mdê$Z EgE_Eg nmR>dmdm. Oa EgE_Eg 15 {Xdgm§Z§Va Ambm Va H$mS©>YmaH$ Hy$nZ H$moS²g {_idÊ`mg nmÌ Zgob.

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5.3. EH$Xm H$mS©>YmaH$mZo Hy$nZ H$moS²gMm Xmdm Ho$bm H$s _mo\$V nrìhrAma {gZo{V{H$Q>m(Q>m§)gmR>rMo Hy$nZ H$moS²g Ë`mÀ`m Zm|XUrH¥$V _mo~mB©b
H«$_m§H$mda d Ë`mMà_mUo Ë`mÀ`m Zm|XUrH¥$V B©_ob Am`S>rda nmR>dbo OmVrb. H$mS©>gmR>r AO© H$ê$Z Am{U àrìhr brJ {g¾oMa H«o${S>Q> H$mS©>
àmoJ«°_bm gh_Vr XoD$Z H$mS©>YmaH$mZo Ë`mÀ`m nmÌVo~m~VMr _m{hVr Am{U Hy$nZ H$moS> Ë`mÀ`m Zm|XUrH¥$V _mo~mB©b H«$_m§H$mda EgE_Eg
_m\©$V {_idÊ`mMr g§_Vr {Xbr Agë`mMo _mZbo OmB©b. H$mS©>YmaH$mbm darb _m{hVr / EgE_Eg Ë`mÀ`m Zm|XUrH¥$V _mo~mB©b
H«$_m§H$mda {_imbobr ZH$mo Agob, Va {dZm_yë` nrìhrAma {gZo{V{H$Q>o Z {_imë`mZo H$mS©>YmaH$mbm Pmboë`m H$moUË`mhr ZwH$gmZmgmR>r ~±H$
O~m~Xma qH$dm Xo` R>adbr OmUma Zmhr.
5.4. H$mS©>YmaH$mZo `mMr ImVaO_m H$amdr H$s Ë`mZo àmoJ«°_ A§VJ©V bm^ {_idÊ`mgmR>r Ë`mMm _mo~mB©b H«$_m§H$ Am{U B©_ob Am`S>r ~±Ho$H$So>
Zm|Xdbobm Amho.
5.5. Hy$nZ H$moS²g w.pvrcinemas.com `m nrìhrAma do~gmB©Q>da Am°ZbmB©Z dmnabo OmD$ eH$VmV. Hy$nZ H$moS> Am°ZbmB©Z dmnaÊ`mMo Vnerbdma
{Z`_ Imbr I§S> 8 _Üò Z_yX nrìhrAma H$moQ>H$ ardm°S²g© àmoJ«°_ A§VJ©V nrìhrAma {VH$sQ> {d_moMZ _Üò Z_yX Ho$bobo AmhoV.
5.6. *4 nrìhrAma {V{H$Q>mÀ§ `m ~Xë`mV 6400 ardm°S©> nm°B§Q²g H«o${S>Q> hmoUo hm àrìhr brJ {g¾oMa noS> àH$maÀ`m H«o${S>Q> H$mS©>À`m
d¡{eï²>`m_Yrb EH$ A§V[a_ ~Xb Amho. hm ~Xb 1 E{àb 2020 nmgyZ A§_bmV Ambm Amho. Oo J«mhH$ nmÌVm {ZH$fmZwgma 4 nrìhrAma
{gZo{V{H$Q>mg§ mR>r nmÌ AmhoV Ë`m§Zm ~±H$ é 1600 qH$_VrMo 6400 ardm°S©> nm°B§Q²g nmÌVm {V_mhr g§në`mZ§VaÀ`m _{hÝ`mÀ`m eodQ>À`m
AmR>dS>çmV H«o${S>Q> H$ê$Z XoB©b. CXm. Oa Vw_Mr nmÌVm {V_mhr _o 2020 nmgyZ Am°JñQ> 2020 Agob, Va 30 gßQ> |~a 2020 n`ªV
g§~§{YV nmÌ H«o${S>Q> H$mS©> ImË`m_Üò 6400 ardm°S©> nm°B§Q²g H«o${S>Q> Ho$bo OmVrb.
6. dm°boQ> A{gñQ> ßb°Z
""{d_oH$ma'' åhUOo Ì`ñW nj {d_m nwadR>mXma Agm AW© hmoB©b Á`m§À`mer dZA{gñQ> doimodoir A°S> Am°Z bm^m§gmR>r ^mJrXmar gmYob Oo
dm°boQ> A{gñQ> ßb°Zbm bmJy hmoD$ eH$Vrb.
""godm ^mJrXma'' åhUOo dZA{gñQ>gmo~V g§b¾ Agbobm H$moUVmhr Ì`ñW godm nwadR>mXma.
6.1. dm°boQ> A{gñQ> ßb°Z Ho$di àrìhr brJ {g¾oMa H«o${S>Q> H$mS©>À`m âUm nyU© Pmboë`m àH$mamda CnbãY Amho. H$mS©>YmaH$mMo nmH$sQ> hadbo
qH$dm Mmoarbm Jobo, Va H$mS©>YmaH$ AmVm Ë`mMr gd© H$mS>©²g Adamo{YV H$ê$ eH$Vmo Am{U 893-192463 `m OJâmV ì`már Agboë`m d
24 Vmg CnbãY H«$_m§H$mda H$m°b H$ê$Z AmnmËH$mbrZ gmhmæ` {_idy eH$Vmo.
6.2. dm°boQ> A{gñQ> ßb°Z ho H$mS©>YmaH$mbm dZA{gñQ> H$ÝÂ`w_a gmoë`weÝg àm`ìhoQ> {b{_Q>oS> (""dZ A{gñQ>'') `m§À`mH$Sy>Z nwadÊ`mV òUmao
d¡{eï²>` Amho Am{U dZ A{gñQ> Ûmao nwadÊ`mV òUmè`m godoÀ`m H$moUË`mhr H$_VaVogmR>r qH$dm AnyV©VogmR>r qH$dm H$mS©>YmaH$mbm
H$moUË`mhr ñdê$nmMo ZwH$gmZ Pmë`mg Ë`mgmR>r H$moUË`mhr àH$mao H$emhr ~m~VrV ~±H$ O~m~Xma qH$dm Xo` AgUma Zmhr. dm°boQ> A{gñQ>
ßb°ZÀ`m Vnerbdma {Z`_ d AQ>tgmR>r ôQ> Úm w.oneasist.in.
6.3. ßb°ZMr d¡{eï²>ò :
H$) H$mS>©²g Adamo{YV H$aÊ`mgmR>r EH$ H$m°b
H$mS©>YmaH$mZo dZA{gñQ>bm Ë`mÀ`m gd© H$mS>©²gMo Vnerb nwadmdoV Am{U doirM AÚ`mdV H$ê$Z ÚmdoV. Ë`mMo nmH$sQ> Mmoar Pmë`mg qH$dm
hadë`mg, H$mS©>YmaH$mZo VËH$mi dZA{gñQ>bm H$m°b H$ê$Z nmH$sQ> J_mdë`mMo H$idmdo. H$moUVohr H$mS©> Adamo{YV H$aÊ`mMr {dZ§Vr
H$aÊ`mgmR>r, H$mS©>YmaH$mZo H$mS©> Adamo{YV H$aÊ`mMr {dZ§Vr H$aÊ`mnydu Vo dZA{gñQ>H$So> Zm|Xdbobo AgUo Amdí`H$ Amho.
Oa H$mS©>YmaH$mZo EH$m {d{eï> H$mS©>Mo dZA{gñQ>H$So> Vnerb {Xbobo ZgVrb Am{U Vo H$mS©> Adamo{YV H$aÊ`mMr {dZ§Vr Ë`mZo Ho$br, Va
dZA{gñQ> Vo H$mS©> H$mS©>YmaH$mZo {Xboë`m BVa Vn{ebm§À`m AmYmao gdm}Îm_ à`ËZ H$ê$Z Adamo{YV H$aÊ`mMm à`ËZ H$aob.
H$mS©>YmaH$mZo H$mS>©²g dmnaVmZm ~±Ho$À`m gyMZm§Mo nmbZ H$amdo Am{U ~±Ho$À`m gd© {Z`_ d AQ>tMr nyV©Vm H$amdr. ~±Ho$Zo dZA{gñQ>bm
H$mS©>YmaH$mZo ~±Ho$À`m {Z`_m§À`m AZwnmbZmMm ^§J Ho$ë`mMo H$idë`mg dZA{gñQ> H$moUË`mhr Xmì`mÀ`m âÊ`mMo gwb^rH$aU H$aUma
Zmhr.
I) \$gdUyH$ g§ajU
H$mS©>YmaH$ H$mS©> (H$mS>©²g) J_mdë`mda qH$dm Ë`m§Mm \$gdm dmna Pmë`mda VËH$mi Ë`m~Ôb dZA{gñQ>bm H$m°b H$ê$Z H$idob. H$mS©>YmaH$
Mm§Jë`m CÔoemZo H¥$Vr H$aÊ`mMo dMZ XoVmo Am{U H$moUË`mhr Ì`ñW njmgmo~V H$mañWmZ aMyZ `m ßb°ZnmgyZ \$gì`m arVrZo bm^
{_idÊ`mMm à`ËZ H$aUma Zmhr.
VH«$manyd© gwajm VH«$ma H$aÊ`mnydu 7 {Xdgm§nwaVo hadboë`m H$mS>©²gda \$gì`m ì`dhmam§gmR>r nwadbr OmVo. \$gdUwH$sgmR>rMr VH«$manyd©
gwajm J«mhH$mZo H$mS©> J_mdë`mMo / \$gdUyH$ Pmë`mMo H$ië`mda 24 Vmgm§À`m AmV dZA{gñQ>bm H$m°b H$ê$Z H$idm`bm hdo.
dZA{gñQ> gwajoMr {Z{üVr H$aÊ`mgmR>r H$m°bMr àË`j doi dZA{gñQ>H$So> CnbãY Agboë`m H$m°bÀ`m Zm|XtÀ`m AmYmao {ZYm©[aV
H$aÊ`mMm h¸$ amIyZ R>odV Amho.

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VH«$manyd© Xmì`mMm âUm Am{U hadboë`m nm{H$Q>mgmR>rMr naV\o$S> H$mS©>YmaH$mÀ`m ZmdmZo ìhmdr `mgmR>r {d_oH$ma nyU©V: O~m~Xma Amho,
_J Oar àemgH$s` gmo`rgmR>r dZA{gñQ>bm YZmXoe nmR>dÊ`mV Ambm Var. dZA{gñQ>Mr O~m~Xmar H$mS©>YmaH$mbm Xmì`mÀ`m Zm|XUrV
Am{U nmR>nwamì`mV gmhmæ` H$aÊ`mnwaVr _`m©{XV Agob.
\$gdUyH$ Pmë`mZ§Va VH«$ma H$aÊ`mgmR>rMo AndmX AmhoV :
H$. ~±Ho$Zo H$mS©>YmaH$mbm {Xboë`m {nZ / nmgdS©>Mm dmna H$ê$Z ñdrH¥$Vr {_idbobo H$mS©> ì`dhma.
I. B§Q>aZoQ> AmYm[aV ì`dhma
J. ImoQ>çm H$mS©>Mm dmna
K. H$mS©>YmaH$mÀ`m KamVrb {Zdmgr ì`º$sZo qH$dm H$mS©>YmaH$mZo {dœmgmZo Á`m ì`º$sH$So> H$mS©> gmondbo Amho Aem ì`º$sZo Ho$bobo H$mS©>
ì`dhma.
J) AmnmËH$mbrZ àdmg gmhmæ`
H$mS©>YmaH$mZo {_idmd`mÀ`m Xmì`mMo qH$dm _m{JVboë`m bm^mMo {dûcofU H$aÊ`mgmR>r Á`m Mm¡H$í`m H$aUo dZA{gñQ>À`m EH$b {ZU©`mYrZ
Amdí`H$ _mZbo OmB©b Ë`m Vem dZA{gñQ>Zo H$aUo `mg H$mS©>YmaH$mMr g§_Vr Agë`mÀ`m AYrZ H$mS©>YmaH$mbm AmnmËH$mbrZ àdmg
gmhmæ` CnbãY H$ê$Z {Xbo OmB©b.
H$mS©> hadë`mÀ`m doir Oa H$mS©>YmaH$ ^maVmV qH$dm ^maVm~mhoa Agob, Va dZA{gñQ> Amnë`m {ZU©`mYrZ amhÿZ Ë`mÀ`m godm
^mJrXmam§_m\©$V H$mS©>YmaH$mÀ`m hm°Q>obbm H$mS©>YmaH$mMo hm°Q>ob {~b MwH$Vo H$aÊ`mgmR>r n¡go nmohmoMdob.
dZA{gñQ> Ë`mÀ`m godm ^mJrXmam§_m\©$V, Amnë`m EH$b {ZU©`mYrZ ^maVmV H$mS©>YmaH$mÀ`m dVrZo {VH$sQ> H$mT>Ê`mMr ì`dñWm H$aÊ`mgmR>r
n¡go âm`Mr gmo` H$aob (Oa H$mS©>YmaH$ ^maVm~mhoa / ^maVmV Agob Va) Á`m`moJo H$mS©>YmaH$mÀ`m KamOdiÀ`m ñWimn`ªVÀ`m
àdmgmMr n`m©`r àdmg ì`dñWm H$aVm òB©b. hr gw{dYm H$mS©>YmaH$mMr àdmgmMr {VH$sQ>o H$mS>©²g J_mdVodoir hadbr Agë`mg qH$dm Mmoar
Pmbobr Agë`mg nwadbr OmB©b.
H$mS©>YmaH$mbm qH$dm H$mS©>YmaH$mÀ`m dVrZo {Xbobr H$moUVrhr AmJmD$ a¸$_, `m_Üò AmnmËH$mbrZ {VH$sQ> âUm Am{U AmnmËH$mbrZ hm° Q>bo
{~b âUm g_m{dï>, ì`mO_wº$ Agob Am{U `m aH$_oMr {Xë`m {XZmH$m§nmgyZ AÇ>mdrg (28) {Xdgm§À`m AmV naV\o$S> H$amdr bmJob. Oa
`m AmJmD$ aH$_oMr Z_yX doi_o Üò naV\o$S> / naVmdm Pmbm Zmhr, Va AmJmD$ a¸$_ dgwb H$aÊ`mH$[aVm dZA{gñQ> ñdV:À`m EH$b
{ZU©`mYrZ Amdí`H$ Vr H$madmB© H$aÊ`mg ñdV§Ì Agob, {OMm IM© H$mS©>YmaH$mbm CMbmdm bmJob Am{U Vo H$mS©>YmaH$mZo dZA{gñQ>bm
XoUo Agbobo H$O© _mZÊ`mV òB©b.
H$mS©>YmaH$mZo AmJmD$ a¸$_ {_iVodoir {VMr àmár Pmë`mMo _mÝ` H$aUmè`m H$mJXnÌm§da ghr H$amdr, Á`m_Üò dZA{gñQ>H$Sy>Z qH$dm
{VÀ`m godm ^mJrXmam§H$Sy>Z {_imboë`m AmnmËH$mbrZ amoI gmhmæ`mMmhr g_mdoe Amho.
K) S>m°Š`wgo\$
S>m°Š`wgo\$ hm _hÎdmMo H$mJXnÌ gwa{jVnUo, g§a{jVnUo OVZ H$ê$Z R>odÊ`mgmR>r Am{U Ho$ìhmhr {_idVm òÊ`mgmR>r EH$ _mo \$V
Am°ZbmB©Z bm°H$a Amho. H$mS©>YmaH$ H$moUVrhr ~oH$m`Xoera, H$m°nramBQ> ^§J H$aUmar _m{hVr qH$dm H$mS©>YmaH$mÀ`m _mbH$sMo Zgbobo qH$dm
Oo ~miJUo H$moUË`mhr bmJy H$m`ÚmÀ`m {damoYmV Amho Ago H$moUVohr H$mJXnÌ OVZ H$aUma Zmhr.
S>m°Š`wgo\$ gw{dYoMm nmgdS©> Am{U BVa JmonZr`Vm goqQ>½O H$mS©>YmaH$ OVZ H$aob Am{U gwa{jV R>odob.
H$mS©>YmaH$mMo gXñ`Ëd ~§X Pmë`mda, H$mS©>YmaH$mMr S>m°Š`wgo\$_Yrb _m{hVr S>m°Š`wgo\$_YyZ ñWbm§V[aV AWdm Zï> H$aVm `mdr `mgmR>r
H$mS©>YmaH$mbm 30 {Xdgm§Mr nyd©gyMZm XoD$Z Z§Va Zï> Ho$br OmB©b. EH$Xm gXñ`Ëd g§nbo, H$s S>m°Š`wgo\$_Yrb _m{hVr hQ>dbr OmB©b.
dZ A{gñQ> Amnë`m gdm}ƒ j_VoZgw ma, S>m°Š`wgo\$_Üò H$mS©>YmaH$mZo OVZ Ho$boë`m _m{hVrÀ`m JmonZr`VoMr ImVaO_m H$aob Am{U bmJy
H$m`ÚmZwgma Amdí`H$ Ë`m dmOdr gwajm nÕVr Am{U à{H«$`m nmiob.
dZ A{gñQ> JmonZr`Vm YmoaUmZwgma (Oo doimodoir gwYmaV amhrb) H¥$Vr H$aob Oo nmhÊ`mgmR>r / S>mD$ZbmoS> H$aÊ`mgmR>r dZ A{gñQ>À`m
www.oneassist.in do~gmB©Q>da CnbãY Amho. Aem JmonZr`Vm YmoaUmMo {Z`_ BWo g§X^© XoD$Z OmoS>bo Joë`mMo _mZÊ`mV òB©b.
S>m°Š`wgo\$ gw{dYm gd©H$mi àmárgmR>r CnbãY Agob `mMr ImVaO_m H$aÊ`mgmR>r dZ A{gñQ> dmOdr à`ËZ H$aob.
K. nrìhrAma H$moQ>H$ ardm°S²g© àmoJ°«_

ì`m»`m : nrìhrAma H$moQ>H$ ardm°S²g© àmoJ«°__Üò, nwT>rb g§km§Mo, AZwf§Jm_Üò doJim C„oI Agë`mIoarO nwT>rb AW© AgVrb :
(H$) ""nrìhrAma H$moQ>H$ H«o${S>Q> H$mS©>'' åhUOo H$moQ>H$ _qhÐm ~±H$ {b. Am{U {à`m pìhboO amoS>emo {b. `m§Xaå`mZ {ZJ©{_V Ho$bobo
gh~«±So>S> H$mS©> hmo`.
(I) ""nrìhrAma H$moQ>H$ àmoJ«°_'' åhUOo nrìhrAma H$moQ>H$ H«o${S>Q>H$mS>©²g ardm°S²g© àmoJ«°_;
(J) ""AnMmar ImVo'' åhUOo H$mS©>YmaH$mMo Ago ImVo Oo Xo` {XZm§H$mnbrH$So> W{H$V Amho qH$dm Á`mMo H«o${S>Q> ñQ>±qS>J ~±Ho$À`m _Vo
Ag_mYmZr Amho.
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(K) ""d¡Y AmH$maUr'' åhUOo Aer AmH$maUr Or H$mS©> ~miJUmè`m H$mS©>YmaH$mÛmao CØdbr Am{U Ë`mbm AmH$maÊ`mV Ambr Am{U
Ho$di Aer d¡Y AmH$maUrM H°$e nm°B§Q²g nwadÊ`mgmR>r {heo~mV JUbr OmB©b.
7. nrìhrAma H$moQ>H$ àmoJ«°_
7.1. nrìhrAma H$moQ>H$ àmoJ«°_ Ho$di nrìhrAma H$moQ>H$ JmoëS> A±S> ßb°{Q>Z_ H«o${S>Q> H$mS©> J«mhH$m§ZmM bmJy hmoVmo. nrìhrAma H$moQ>H$ àmoJ«°_ hm EH$
ardm°S²g© àmoJ«°_ Amho Omo H$mS©>YmaH$mbm Ë`mÀ`m / {VÀ`m nrìhrAma H$moQ>H$ H$mS©>da dñVy Am{U godm§Mr Xoem§VJ©V / Am§Vaamï´>r ` IaoXr
H$aVmZm CØdboë`m d¡Y AmH$maÊ`m§da Am{U `m àmoJ«°_À`m hoVwH$[aVm doimodoir ~±Ho$Ûmao g_m{dï> H$aÊ`mV òD$ eH$Umè`m BVa H$moUË`mhr
AmH$maÊ`m§da ~{jg åhUyZ nrìhrAma {V{H$Q>o H$_dÊ`mg gj_ H$aVmo.
7.2. ~±H$ H$moUË`mhr doir, nyd©gyMZo{edm`, `m gd© qH$dm `m§n¡H$s H$moUË`mhr {Z`_ d AQ>t_Üò OmoS>Ur, ~Xb qH$dm gwYmaUm H$aÊ`mMm qH$dm
hm àmoJ«°_ nyU©nUo H$mTy>Z KoÊ`mMm A{YH$ma amIyZ R>odV Amho.
8. nrìhrAma H$moQ>H$ ardm°S²g© àmoJ«°_ A§VJ©V nrìhrAma {VH$sQ> g§M`
8.1. H$mS©>gmo~V nwadboë`m ñdmJV nwpñVHo$_Üò dU©Z Ho$boë`m Mm¡H$Q>rZwgma ~±H$ nrìhrAma {V{H$Q>o XoB©b. doëH$_ {H$Q>_Yrb Mm¡H$Q>r_Üò
{V{H$Q>m§Mr g§»`m Agob Or Xoem§VJ©V / Am§Vaamï´>r` dñVy§Mr / godm§Mr IaoXr H$ê$Z nyd©{Z{X©ï> a¸$_ IM© H$ê$Z H$_mdVm òB©b. ~± H$
{VÀ`m EH$b {ZU©`mYrZ EH$m {d{eï> H$mbmdYrgmR>r qH$dm {d{eï> n[apñWVtgmR>r / àMmamË_H$ `moOZm§gmR>r BVa H$moUË`mhr ì`dhmam§da
bm^ XoD$ eH$Vo.
8.2. d¡`{º$H$ H$O}, amoI AmJmD$ aH$_m Am{U gh^mJ ewëH$, dm{f©H$ ewëH$, A°S> Am°Z H$mS©> ewëH$, AZoH$ H$mS©> ewëH$, {e„H$ hñVm§VaU,
AmJmD$ amoI ì`dhma ewëH$, Z dQ>boë`m YZmXoemdarb AmH$maUr, {dÎmr` AmH$maUr, AnMma AmH$maUr, {db§{~V A{YXmZ AmH$maUr,
g§H$bZ AmH$maUr Am{U ~±Ho$Zo bmdbobo BVa H$moUVohr ewëH$ qH$dm AmH$maUr, {e„H$ hñVm§VaUo, B©E_Am` ì`dhma, amoI AmhaUo, S>r_m§ S>
S´>mâQ> Am{U godm^ma ì`dhma
`m g§~§YmVrb ì`dhmam§da H$mS©>YmaH$m§Zm {V{H$Q>o {Xbr OmUma ZmhrV. aÔ Pmboë`m ì`dhmam§gmR>rhr {V{H$Q>o {Xbr OmUma ZmhrV. Oa
H$mS©>YmaH$mbm {Xbr Jobobr {V{H$Q>o AmYrM dmnê$Z Pmbr AgVrb Am{U Ë`mZ§Va Á`m ì`dhmamÀ`m AmYmamda {V{H$Q>o {Xbr Jobr Vmo
ì`dhma aÔ Pmbm, Va H$mS©>YmaH$ ~±Ho$bm {V{H$Q>mMr é 250 EdT>r a¸$_ XoUo Agob Oo Vw_À`m H«o${S>Q> H$mS©> ImË`mVyZ So>{~Q> Ho$bo OmVrb.
Hy$nZ nmÌVogmR>r EH$m {~qbJ MH«$m_Yrb Ho$di nyU© ì`dhmaM JUbo OmVrb.
8.3. Cnamoº$ ì`dhmam§Mr `mXr ~±Ho$H$Sy>Z {VÀ`m {ZU©`mYrZ H$mS©>YmaH$mbm H$idyZ ~Xbbr OmD$ eH$Vo.
8.4. A°S>-Am°Z H$mS>©²gÛmao g§M{`V IM© AmnmoAmn A°S- Am°Z H$mS>©²g {ZJ©{_V Pmboë`m à_wI H$mS©> ImË`m_Üò g§M{`V hmoVrb Am{U BVa
H$moUË`mhr H$mS©> ImË`mV hmoUma ZmhrV.
8.5. R>amdrH$ H$mbmdYrV H$mS©>YmaH$mbm OmñVrV OmñV nrìhrAma {V{H$Q>o {H$Vr {_iy eH$VmV Ë`mMm AmH$S>m Z_yX H$aÊ`mMm A{YH$ma ~±H$
amIyZ R>odV Amho. ~±Ho$Zo Z_yX Ho$boë`m H$_mb nrìhrAma {V{H$Q>m§Mr g§»`m nma Pmë`mZ§Va H$mS©>YmaH$ Ë`m H$mbmdYrgmR>r AmUIr
nrìhrAma {V{H$Q>o g§M{`V H$ê$ eH$Uma Zmhr.
8.6. {d_moMZmÀ`m doir gd© g§b¾ ImVr Am{U nrìhrAma H$moQ>H$ H«o${S>Q> H$mS©> gwpñWVrV Agm`bm hdo (åhUOoM AnMmar ImVr Agy ZòV)
Am{U ~±Ho$Ûmao qH$dm H$mS©>YmaH$mÛmao aÔ qH$dm Zï> Ho$br OmD$ ZòV Am{U {d_moMZmÀ`m doir H$mS©> \$gdUwH$sÀ`m/hadë`mÀ`m/Mmoar
Pmë`mÀ`m/Zo_yZ {Xboë`m H«o${S>Q> _`m©XonbrH$So> H$mS©>Mm dmna Pmë`mÀ`m H$maUm_wio VmËnwaVo Adamo{YV Ho$bobo Agy Zò. H$mS©> ImVo {Z`{_V
Pmë`mZ§Va, ~±Ho$À`m {ZU©`mYrZ, nrìhrAma {V{H$Q>o {d_moMZmgmR>r {ZJ©{_V hmoD$ eH$VmV.
9. nrìhrAma H$moQ>H$ ardm°S²g© àmoJ«°_ A§VJ©V nrìhrAma {VH$sQ> {d_moMZ
9.1 H$mS©>YmaH$mZo nmÌ aH$_ogmR>r H$mS©> ñdmBn Ho$ë`mda \$º$ {ddaU {Z{_©Vr Pmbr, H$s _JM H$mS©>YmaH$mbm Ë`mÀ`m Zm|XUrH¥$V _mo~mBb
H«$_m§H$mda Am{U B©_ob Am`S>rda Ë`mÀ`m {dZm_yë` nrìhrAma {gZo{V{H$Q>m(Q>m§)À`m nmÌVo~m~V EgE_Eg Am{U B©_oba _m\©$V _m{hVr
AmnmoAmn nmR>dbr OmB©b.
9.2. H$mS©>YmaH$mZo EH$m {~qbJ MH«$m_Yrb {dZm_yë` nrìhrAma {gZo{V{H$Q>m(Q>m§)À`m Hy$nZ H$moS²gMm Xmdm nwT>rb XmoZ {~qbJ MH«$m§Xaå`mZ
H$amdm, `mgmR>r Ë`mZo Ë`mÀ`m Zm|XUrH¥$V _mo~mB©b H«$_m§H$mdê$Z EgE_Eg nmR>dmdm qH$dm w.kotak.com da ZoQ> ~±qH$Jbm ôQ> Úmdr.
9.3. EH$Xm H$mS©>YmaH$mZo Hy$nZ H$moS²gMm Xmdm Ho$bm, H$s _mo\$V nrìhrAma {gZo{V{H$Q>m(Q>m§)gmR>rMo Hy$nZ H$moS²g Ë`mÀ`m Zm|XUrH¥$V _mo~mB©b
H«$_m§H$mda d Ë`mMà_mUo Ë`mÀ`m Zm|XUrH¥$V B©_ob Am`S>rda nmR>dbo OmVrb. H$mS©>gmR>r AO© H$ê$Z Am{U nrìhrAma H$moQ>H$ àmoJ«°_bm
gh_Vr XoD$Z H$mS©>YmaH$mZo Ë`mÀ`m nmÌVo~m~VMr _m{hVr Am{U Hy$nZ H$moS> Ë`mÀ`m Zm|XUrH¥$V _mo~mB©b H«$_m§H$mda EgE_Eg _m\©$V
{_idÊ`mMr g§_Vr {Xbr Agë`mMo _mZbo OmB©b. H$mS©>YmaH$mbm darb _m{hVr / EgE_Eg Ë`mÀ`m Zm|XUrH¥$V _mo~mB©b H«$_m§H$mda
{_imbobr ZH$mo Agob, Va {dZm_yë` nrìhrAma {gZo{V{H$Q>o Z {_imë`mZo H$mS©>YmaH$mbm Pmboë`m H$moUË`mhr ZwH$gmZmgmR>r ~±H$ O~m~Xma
qH$dm Xo` R>adbr OmUma Zmhr.

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9.4. H$mS©>YmaH$mZo `mMr ImVaO_m H$amdr H$s Ë`mZo àmoJ«°_ A§VJ©V bm^ {_idÊ`mgmR>r Ë`mMm _mo~mB©b H«$_m§H$ Am{U B©_ob Am`S>r ~±Ho$H$So>
Zm|Xdbobm Amho.
9.5. Hy$nZ H$moS> {d_moMZmgmR>r nrìhrAma do~gmB©Q>w.pvrcinemas.com da Am°ZbmB©Z dmnabm OmD$ eH$Vmo.
9.6. Oa Hy$nZ H$moS> {dZm_yë` nrìhrAma {gZo{VH$sQ>(Q>o) Ama{jV H$aÊ`mgmR>r Am°ZbmB©Z dmnaÊ`mV Ambm, Va à{V {VH$sQ> gw{dYm ewëH$ bmJy
Agob Ë`mZwgma âÊ`mg H$mS©>YmaH$ Xo` Agob Am{U Ho$di gw{dYm ewëH$m§ì`{V[aº$ AgUmar {V{H$Q>m(Q>m§)Mr qH$_V _mo\$V {Xbr OmB©b.
9.7. Oa nrìhrAma do~gmB©Q>da ì`dhma nyU© Pmbm Zmhr Am{U {VH$sQ> Ama{jV Pmbo Zmhr Va H$mS©>YmaH$mZo {V{H$Q>o Ama{jV H$aÊ`mH$[aVm
Hy$nZ H$moS> nwÝhm dmnaÊ`mnydu 1 Vmg dmQ> nmhUo Amdí`H$ Amho.
9.8. H$mS©>YmaH$mbm nmR>dÊ`mV Ambobm Hy$nZ H$moS> 2 _{hZo d¡Y Agob, Á`mZ§Va Vmo Ad¡Y R>aob.
9.9. `m àmoJ«°_ A§VJ©V {Xbm OmUmam Hy$nZ H$moS> JmoëS>Šbmg, Am`_°Šg Am{U `wamonm Šbmg {V{H$Q>mg§ mR>r {d_mo{MV Ho$bm OmD$ eH$V Zmhr.
9.10. ho {Z`_ d AQ>r H«o${S>Q>H$mS>©²gÀ`m dmnamda bmJy hmoUmè`m H$mS©>YmaH$ H$amambm OmoSy>Z AgVrb d Ë`mbm n`m©` åhUyZ / Ë`mbm {Zîà^
H$aUmè`m ZgVrb.
9.11. BWo C„opIV H$moUVrhr ~m~ ~±Ho$gmR>r qH$dm H$moUË`mhr gh^mJr ì`mnmar AmñWmnZogmR>r ~§YZH$maH$ Xm{`Ëd _mZbr OmUma Zmhr qH$dm
Vr hm nrìhrAma H$moQ>H$ àmoJ«°_ gwé R>do Ê`mgmR>rMr qH$dm `mnwT>o Aemgma»`mM qH$dm BVa `moOZm am~dÊ`mgmR>r Mr ~±Ho$Mr H${Q>~ÕVm
AWdm gmXarH$aU R>aUma Zmhr.
9.12. `m nrìhrAma H$moQ>H$ àmoJ«°_g§~§YmV H$moUVmhr dmX CØdë`mg Vmo ~±Ho${damoYmV Xmdm R>aUma Zmhr.
9.13. `m nrìhrAma H$moQ>H$ àmoJ«°__Yrb H$moUË`mhr ~m~rMm AW© ~±Ho$Zo `m {Z`_ d AQ>tA§VJ©V {VMo H$moUVohr A{YH$ma gmoSy>Z {Xbo AmhoV Agm
hmoUma Zmhr (`m_Üò ì`mO ewëH$ AmH$maUo g_m{dï>).
L>. H$moQ>H$ ìhmBQ> nmg ìh°ë`y àmoJ°«_
10. ìhmBQ> H«o${S>Q> H$mS©>gmR>r _mBbñQ>moZ {J«S>
10.1 ìhmBQ> H«o${S>Q> H$mS©>gmR>r ìhmBQ> nmg {d_moMZ à{H«$`m.
ìhmBQ> H«o${S>Q> H$mS©>gmR>r _mBbñQ>moZ {J«S>
IM© ñVa ìhmD$Ma _yë` (`) g§M`r _yë` (`)
2 bmI 2000 2000
4 bmI 4000 6000
6 bmI 6000 12000
9 bmI 7000 19000
12 bmI 8000 27000
EHy$U 27000
10.2. {d_moMZ à{H«$`m :

 Vwåhr ` 2 bmIm§Mm {H$_mZ IM© ñVa JmR>bmV H$s Vw_Mo ìhmBQ>nmg _yë` Iwbo hmoVo.
 Vwåhmbm H«o${S>Q> Ho$boë`m _yë`mEdT>çm ìhmD$Mg©Mm Xmdm H$aÊ`mgmR>r EgE_Eg Am{U B©_ob qbH$ {_iob.
 Vwåhmbm qbH$da pŠbH$ H$amdo bmJob Am{U Vr URL www.kotakbankwhite.com da {ZX}{eV hmoB©b.
 Vwåhmbm A{YñdrH¥$Vr n[a_mUo åhUOoM H$mS©> H«$_m§H$mMo eodQ>Mo 4 A§H$ Am{U Zm|XUrH¥$V _mo~mB©b H«$_m§H$ à{dï> H$aÊ`mMr {dZ§Vr Ho$br
OmB©b.
 Oa gd© Vnerb `mo½` AgVrb Am{U Vwåhr ìhmD$Mg©gmR>r nmÌ Agmb, Va Vwåhmbm AmoQ>rnr nmR>dbm OmB©b.
 Vwåhr `mo½` AmoQ>rnr à{dï> H$amb Am{U d¡YVm à{H«$`m èñdrnUo nyU© H$amb.
 Vwåhmbm AmVm gmBQ>da CnbãY {d{dY ~«±S> n`m©` Am{U Zmdo nmhm`Mr g§_Vr Agob.
 Vwåhmbm BpÀN>V AgUmao ~«±S> {ZdS>mdo bmJVrb, Amdí`H$ Vo ìhmD$MaMo Zmd {ZdS>mdo bmJob Am{U {dZ§VrMr nwï>r H$amdr bmJob.
 J«mhH$mbm g\$bVm ñH«$sZ XmIdbr OmVo {OÀ`mda ìhmD$Ma H$moS>, d¡YVm, Am{U BVa Vnerb d {Z`_ Am{U AQ>r {XgVmV. VgoM, hoM
Vnerb J«mhH$mbm EgE_Eg Am{U B©_ob _m\©$V nmR>dbo OmVmV.
10.3. ìhmBQ> nmg _yë` {d_mo{MV H$aVmZm bjmV R>odmd`mMr _hÎdmMr Jmoï> : Xmì`mMm H$mbmdYr ~mo{Sª>JMm _{hZm dJiyZ dYm©nZ
_{hÝ`mMr AIoa + AmUIr 3 _{hÝ`mAIoarn`ªV EdT>m Agob. CXm. 1 : Oa Vw_Mo H$mS©> 21 _o 2019 amoOr ~moS©> Pmbo, Va ìhmD$Mg©Mm
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Pmbo, Va ìhmD$Mg©Mm Xmdm Ë`m§À`m nmÌVoZwgma 1 OyZ 2019 nmgyZ 30 gßQ>|~a 2020 n`ªV H$aVm òD$ eH$Vmo. EH$m dfm©V H$_mb `
27,000/- g§M{`V hmoD$ eH$VmV. Xadfu dYm©nZ {XZm§H$m amoOr dm°boQ>Mr qH$_V nwÝhm eyÝ`mda òB©b.
11 B§{S>Jmo H$moQ>H$ H«o${S>Q> H$mS>©gmR>r [adm°S>©²g àmoJ«°_ (6B© [adm°S>©²g àmoJ°«_)

11.1. 6B© [adm°S>©²g B§{S>Jmo H$moQ>H$ H«o${S>Q> H$mS>©_YyZ Ho$boë`m IMm©À`m AmYmao [adm°S>©²g
6B© [adm°S>©²g B§{S>Jmo H$moQ>H$ H«o${S>Q> H$mS>© 6B© [adm°S>©²g EŠgEb H$moQ>H$ H«o${S>Q>
H$mS>©
6B© [adm°S>©²g B§{S>JmoÀ`m _mÜ`_mVyZ 3% 6%
IM©
OodUImUo, dmUgm_mZ Am{U 2% 3%
_Zmoa§OZ `m§da 6B© [adm°S>©²g
Cd©[aV gd© IMm©da 6B© [adm°S>²g© 1% 2%
(dm°boQ²>g gmoSy>Z)
B§YZmda Ho$boë`m IMm©gmR>r 6B© 1% 2%
[adm°S>©²g
noS> H$mS>©²ggmR>r dobH$_ ~o{Z\$sQ>  é.1500 dobH$_ {VH$sQ>  é.1500 dobH$_ {VH$sQ>
(\$º$ n{hë`m dfm©À`m  é.899 {H$_VrMo 6B© àmB©_  é.899 {H$_VrMo 6B© àmB©_
gXñ`ËdmgmR>rÀ`m ewëH$mgmR>rÀ`m A°S>Am°Z (àmYmÝ`H«$_mZo MoH$ B©Z, A°S>Am°Z (àmYmÝ`H«$_mZo MoH$
no_|Q>da {Xbm OmVmo) grQ> {ZdS>Ê`mMm n`m©`, _mo\$V B©Z, grQ> {ZdS>Ê`mMm n`m©`,
OodU Am{U ObXJVrZo gm_mZ _mo\$V OodU Am{U
nmohmoMdUo) ObXJVrZo gm_mZ
 nmQ>©Za _Mª§Q²>gH$Sy>Z dobH$_ nmohmoMdUo)
ìhmD$Mg© nmQ>©Za _Mª§Q²>gH$Sy>Z dobH$_
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H$pÝìh{ZAÝg \$r (gw{dYm ewëH$) B§{S>Jmo {V{H$Q>m§da gyQ> {Xbobr H$pÝìh{ZAÝg B§{S>Jmo {V{H$Q>m§da gyQ> {Xbobr
\$s - é.150 à{V n°Šg H$pÝìh{ZAÝg \$s - é.150 à{V n°Šg
bmD§$O A°Šgog bmJy Zmhr 8 bmC§O àdoe (2 à{V {V_mhr)
6B© [adm°S>©²g \$º$ H$mS>©YmaH$mÛmao Am{U Zm_{ZX}{eV ì`º$sÛmao [aS>r_ Ho$bo OmD$ eH$VmV.

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H$mS>m©À`m Xm{`ËdmgmR>r g§ajU (H$mS>© hadë`mg Xm{`Ëd, ZH$br
H$mS>©/pñH$q_J/{\$qeJ Am{U Am°ZbmB©Z \$gdUwH$snmgyZ g§ajU) 50,000
d¡`{º$H$ AnKmV - \$º$ _¥Ë`y 150,000
{d_mZàdmgm_wio d¡`º$H$ AnKmV (\$º$ _¥Ë`y) 5,000,000
IaoXrda g§ajU 25000

MoH$ BZ Ho$bobo gm_mZ hadUo 10,000
MoH$ BZ Ho$boë`m gm_mZmbm Cera hmoUo 10,000
nmgnmoQ>© Am{U àdmgmer g§~§{YV XñVEodO hadUo 10,000
àdmg H$aVmZm EH$m {d_mZmer OmoS>bbo o Xþgao Am§Vaamï´>r` {d_mZ 10,000
hþH$Uo
gd©gmYmaU AQ>r
 {d_mg§ajU ho \$º$ C„oI Ho$boë`m H$mS>©²gÀ`m g§»ògmR>r d¡Y Amho. \$º$ àm`_ar H$mS>©YmaH$ `mV ì`má AmhoV.
 {d_oXmamH$S>o ~±Ho$Zo {Xbobr EH$mnojm A{YH$ H$mS>©²g Agë`mg, \$º$ Á`m H$mS>©bm gdm}ƒ h_r Agob Ë`mbmM hr nm°{bgr bmJy hmoB©b.
 A°pŠQ>ìh H$mS>© Šbm°O - g§ajU \$º$ A°pŠQ>ìh H$mS>©²gZm bmJy Amho. A°pŠQ>ìh H$mS>©Mr ì`m»`m Aer Ho$br OmVo H$s, Ago H$mS>© Oo
hadë`mÀ`m VmaIonydu Joë`m 90 {Xdgm§_Üò Á`mÀ`m _mÜ`_mVyZ EH$ Q´>±P°ŠeZ/EQ>rE_darb H¥$Vr/nrAmoEg/B°-H$m°_g© Q>{_©Zb `m§da
ì`dhma Ho$bobm Agob.
 Aer h_r {Xbobr Amho H$s, gd© H$mS>©²g_Üò {Mn Am{U {nZ V§ÌkmZ A§J^yV Amho.
 Am`grAm`grAm` bm±~mS>b© m _m{hVr {Xë`mZ§Va 60 {Xdgm§À`m AmV ~±Ho$Ûmao/H$mS>©YmaH$mÛmao Xmì`mgmR>rMo XñVEodO gmXa H$amd`mMo
AgVmV.
 Xmì`mg§~§YrÀ`m H$moUË`mhr _m{hVrgmR>r H¥$n`m - Amåhmbm 18602666 2666 `m H«$_m§H$mda VmËH$mi H$idm.
gd©gmYmaU AndO©Z
 T>mo~i {ZîH$miOrnUm
 OmUyZ~wOyZ H$m`ÚmMo C„§KZ H$ê$Z Ho$bobm H$moUVmhr Xmdm.
 H$moUVrhr hmZr.

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H«o${S>Q> H$mS>©À`m nwZa©MZog§~§Yr ([añQ´>ŠM[a¨J) {Z`_ d AQ>r - H$moQ>H$ _qhÐm ~±H$
1. J«mhH$mZo (""Vwåhr'' qH$dm ""J«mhH$'') Ho$boë`m Am°ZbmB©Z AOm©À`m AZwf§JmZo (Agm Am°ZbmB©Z AO© d Ë`mgmo~V ~±Ho$Zo `m {Z`_ d AQ>tgh
J«mhH$mbm, ~±Ho$H$S>o Zm|XUrH¥$V Agboë`m J«mhH$mÀ`m B©_ob Am`S>rda nmR>dbobm, H«o${S>Q> H$mS>©À`m WH$sV _m{gH$ hnË`m§À`m nwZa©MZogmR>r
J«mhH$mZo Ho$boë`m AOm©À`m g§~§YmVrb B©_ob, `m§Zm òWo `mZ§Va EH${ÌVnUo ""Am°ZbmB©Z AO©'' Ago g§~moYbobo Amho) H$moQ>H$ _qhÐm ~±Ho$Zo
ñdV:À`m EH$_od {ddoH$m{YH$mamV, A§VJ©V VnmgUr Am{U {Z`_ d AQ>tMo AZwnmbZ `m§À`m AYrZ amhÿZ, H«o${S>Q> H$mS>©darb WH$sV _m{gH$
hßË`m§Mr (`mV `mZ§Va Á`m§Mm C„oI ""H«o${S>Q> H$mS>©darb H$O©'' Agm Ho$bobm Amho) nwZa©MZm H$aÊ`mMo _mÝ` Ho$bobo Amho. Amdí`H$ Ë`m
dOmdQ>r, Á`mV _wÐm§H$ewëH$mgmR>rMo noo_|Q>, à{H«$`mewëH$ BË`mXtMm g_mdoe Amho, Vo `m ~±Ho$V Agboë`m Vw_À`m ~MV/Mmby ImË`mVyZ dOm
H$aÊ`mMm g_mdoe Amho d Vwåhr Amdí`H$ Ë`m gd© Am¡nMm[aH$ ~m~r nyU© H$aÊ`mÀ`m Am{U øm {Z`_ d AQ>tMm (""{Z`_'') ñdrH$ma
H$aÊ`mÀ`m AYrZ amhÿZ ~±H$ H«o${S>Q> H$mS>©darb WH$sV _m{gH$ hßË`m§Mr nwZa©MZm H$aÊ`mMo _mÝ` H$arV Amho.
2. J«mhH$mZo H«o${S>Q> H$mS>©darb WH$sV aH$_oMr nwZa©MZm H$aÊ`mÀ`m Ho$boë`m {dZ§Vrbm _mÝ`Vm XoUo ho J«mhH$mZo ~±Ho$À`m A§VJ©V YmoaUm§Mo Am{U
_mJ©Xe©H$ gyMZm§Mo nmbZ Am{U nyV©Vm H$aÊ`mda Adb§~yZ Amho. nwZa©MZogmR>rMm AO© ñdrH$maUo Am{U Ë`mbm _mÝ`Vm XoUo åhUOo Vo
H$moUË`mhr n[apñWVrV nwZa©MZogmR>r {Xbobr _mÝ`Vm Amho Agm AW© hmoV Zmhr.
3. H«o${S>Q> H$mS>©À`m WH$sV aH$_oMo _m{gH$ hßË`m§_Üò ê$nm§VaU H$aUo ho J«mhH$mZo {ZdS>boë`m d _mÝ` Ho$boë`m _m{gH$ hßË`m§À`m `moOZogmR>r
_m{gH$ háo dOm H$aÊ`mgmR>r J«mhH$mZo ~±Ho$bm Am°Q>mo S>o{~Q>/EZEgrEM/nrS>rgrO² qH$dm no_|Q>Mm AÝ` H$moUVmhr n`m©`r _mJ© (Oo Agob
Ë`mZwgma) XoÊ`mda Adb§~yZ Amho. Amdí`H$ Ë`m nadmZ½`m/XñVEodO `m ~m~VrV ~±Ho$Zo H$idboë`m H$mb_`m©XoV nwa{dbo nm{hOoV.
4. AIoaÀ`m {~ëS> ñQ>oQ>_|Q>Zwgma H«o${S>Q> H$mS>©da WH$sV Agbobr gd© a¸$_, Á`mV {~b Z Ho$bobo ì`dhma, Mmby _m{gH$ háo, H$O}, {e„H$ aH$_oMo
hñVm§VaU, amoI a¸$_, ì`mO, H$a Am{U ewëH$ `m§Mmhr g_mdoe Amho, Vo EH$Xm nwZa©MZobm _mÝ`Vm {Xbr H$s EH$Ì Ho$bo OmVrb. øm àmoJ«°_
A§VJ©V A§eV: nwZa©MZog _mÝ`Vm {Xbr OmUma Zmhr.
5. H«o${S>Q> H$mS>©darb WH$sV aH$_oMr nwZa©MZm Ho$ë`mZ§VaMm _m{gH$ hám, nyU© WH$sV a¸$_ âUm hmoB©n`ªV qH$dm eodQ>Mm _m{gH$ hám {~b
hmoB©n`ªV H«o${S>Q> H$mS>©gmR>r OZaoQ> Ho$boë`m ñQ>oQ>_|Q>_Üò àËòH$ _{hÝ`mbm {~b Ho$bm OmB©b Am{U ñQ>oQ>_|Q>_Üò C„oI Ho$boë`m Xo` VmaIog Xo`
Agob.
6. nwZa©MZm Ho$ë`mZ§Va, H«o${S>Q> H$mS>©darb H$moUVrhr H«o${S>Q> qH$dm H°$e \°${g{bQ>r {ZpîH«$` Ho$br OmB©b. ho H$mS>©, A°S> Am°Z H$mS>©gh, Ë`mZ§Va
dmna H$aÊ`mÀ`m Ñï>rZo {ZpîH«$` Agob.
7. "MoH$ ~mD$Ýg \$s' qH$dm "Am°Q>mo-S>o{~Q> [aQ>Z© \$s' Oa H$mhr âmdr bmJbr Agob, Va Vo âÊ`mg J«mhH$ O~m~Xma Agob.
8. R>adyZ {Xë`mZwgmaÀ`m H$moUË`mhr _m{gH$ hßË`mMr a¸$_ âÊ`mV Hw$MamB© Pmë`mg qH$dm Vwåhr {Xbobo nrS>rgrO²/B©EZEgrEM/EgAm` Oa
_mÝ` (Am°Za) Ho$bm Jobm Zmhr, Va darb ì`dñWm {ZaW©H$ R>aob Am{U Vwåhmbm VoìhmnmgyZ nwT>o H«o${S>Q> H$mS>© ImË`mdarb g§nyU© WH$sV a¸$_
âmdr bmJob.
9. H«o${S>Q> H$mS>©gmR>rMo BVa gd© {Z`_ d AQ>r J«mhH$mda bmJy Am{U ~§YZH$maH$ AgUo MmbyM amhrb.
10. ~±Ho$bm doimodoir Amdí`H$ Agë`mZwgmaMo XñVEodO J«mhH$mZo H$ê$Z {Xbo nm{hOoV.
22 Zmoìh|~a 2021 n`ªV

_qhÐm~±~±HH$ $ {b{_Q>
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