Banking Kasur tatha Sajaya Ain 2064

a}lÍË a}lÍË a}lÍË s;"/ s;"/ s;"/ tyf tyf ;hfo ;hfo ;hfo P]g, P]g, @)^$
@)^$
Joj:yflksf–;+;bn] agfPsf] @)^$ ;fnsf] P]g g= #%
a}lÍË s;"/ tyf ;hfosf ;DaGwdf Joj:yf ug{ ag]sf] P]g
k|df0fLs/0f / k|sfzg ldlt
@)^$.!).@#
k|:tfjgf M a}Í tyf ljQLo ;+:yfsf] sf/f]af/df x'g ;Sg] s;"/HfGo sfo{af6 a}Í tyf ljQLo k|0ffnLdf
kg] { c;/ / hf]lvdnfO{ Go"g u/L a}Í tyf ljQLo k|0ffnLk|lt ljZj;gLotf clej[l4 ug{ a}lÍË s;"/
tyf ;hfosf ;DaGwdf sfg"gL Joj:yf ug{ jf~5gLo ePsf]n],
Joj:yflksf–;+;bn] of] P]g agfPsf] 5 .
kl/R5]b kl/R5]b–! kl/R5]b
k|f/lDes
k|f/lDes
!= ;+lIfKt ;+lIfKt gfd, gfd, lj:tf/ lj:tf/ / / k|f/De k|f/De k|f/De M -!_ o; P]gsf] gfd æa}lÍË s;"/ tyf ;hfo P]g, @)^$Æ /x]sf]
5 .
-@_ of] P]g g]kfne/ nfu" x'g]5 / g]kfndf a}lÍË s;"/ u/L ljb]zdf /x] a;]sf] h'g;'s}
JolQm jf ;+:yf ;d]tnfO{ nfu" x'g]5 .
-#_ of] P]g t'?Gt k|f/De x'g]5 .
@= kl/efiff M ljifo jf k|;Ën] csf] { cy{ gnfu]df o; P]gdf,–
-s_ æa}ÍÆ eGgfn] k|rlnt sfg"g adf]lhd …sÚ ju{sf] ljQLo sf/f]af/ ug{ g]kfn /fi6«
a}Íaf6 Ohfhtkqk|fKt ;+:yf ;Demg' k5{ .
-v_ æa}lÍË s;"/Æ eGGgfn] kl/R5]b–@ adf]lhdsf] s;"/ ;Demg' k5{ .
-u_ æljQLo ;+:yfÆ eGgfn] k|rlnt sfg"g adf]lhd …vÚ, …uÚ, / …3Ú ju{sf] ljQLo sf/f]af/
ug{ g]kfn /fi6« a}Íaf6 Ohfhtkqk|fKt ;+:yf ;Demg' k5{ .
-3_ æ;+:yfÆ eGgfn] a}Í jf ljQLo ;+:yfdf k|rlnt sfg"g adf]lhd vftf vf]Ng ;Sg]
kmd{ jf sDkgL ;Demg' k5{ / ;f] zAbn] k|rlnt sfg"g adf]lhd :yflkt cGo
;Ël7t ;+:yf jf Ph]G;L ;d]tnfO{ hgfpF5 .
-ª_ æC0fLÆ eGgfn] a}Í jf ljQLo ;+:yfaf6 C0f lng] JolQm, kmd{, sDkgL jf k|rlnt
sfg"g adf]lhd :yfkgf ePsf] ;Ël7t ;+:yf ;Demg' k5{ / ;f] zAbn] hdfgt lbg]
JolQm ;d]tnfO{ hgfpF5 .

kl/R5]b kl/R5]b–@ kl/R5]b
a} a}lsË a} lsË s;"/ s;"/
#= cglws[t cglws[t ?kdf ?kdf vftf vftf vf]Ng vf]Ng jf jf /sd /sd e'QmfgL e'QmfgL dfu dfu ug{ ug{ ug{ gx'g] gx'g] M s;}n] klg a}Í jf ljQLo ;+:yfdf
vftf vf]Nbf jf /sd e''QmfgL
dfu ubf{ b]xfosf] sfo{ ug{ x'Fb}g
M–
-s_ gSsnL sfuhft k]z u/L vftf vf]Ng jf hfgL hfgL vftf vf]lnlbg,
-v_ sfg"g adf]lhd afx]s sfNklgs jf cGo JolQm jf ;+:yfsf] gfddf vftf vf]Ng jf
vftf vf]lnlbg,
-u_ cfk"mn] sf6]sf] r]snfO{ vfDg] /sd cfˆgf] vftfdf gePsf] hfgL hfgL r]s sf6L
e'QmfgL lng jf lbg .
$= cglws[t cglws[t ?kdf ?kdf r]s, r]s, r]sa's r]sa's jf jf a}Í a}Í ljj/0f k|fKt ug{ ug{ jf lbg gx'g gx'g] gx'g
]] ] M -!_ s;}n] klg cglws[t
?kdf s'g} tl/sfn] e'mSofO{ jf cfˆgf] xf] egL ljZjf; lbnfO{ cGo JolQmsf] r]s, r]sa's jf
vftfsf] ljj/0f dfu ug{ jf k|fKt ug{ x'Fb}g
.
-@_ s;}n] klg cglws[t ?kdf Pp6f JolQm jf ;+:yfsf] r]s, r]sa's jf vftfsf] ljj/0f
;DalGwt JolQmn] lnlvt ?kdf cg'/f]w u/]sf]df afx]s csf] { s'g} JolQm jf ;+:yfnfO{ lbg x'Fb}g
.
%= cglws[t cglws[t ?kdf ?kdf /sd /sd lgsfNg lgsfNg jf jf jf e'QmfgL e'QmfgL lbg lbg gx'g gx'g] gx'g M s;}n] klg a}Í jf ljQLo ;+:yfdf /x]sf]
vftfaf6 /sd lgsfNbf jf e'QmfgL lb+bf b]xfosf] sfo{ ug{ x'Fb}g
M–
-s_ cglws[t ?kdf cGo JolQmsf] vftfaf6 /sd lgsfNg,
-v_ cGo JolQmsf] r]s rf]/L u/L jf cGo s'g} tl/sfn] k|fKt u/L To:tf] r]saf6 /sd
lgsfNg,
-u_ cglws[t ?kdf u|fxssf] vftfaf6 /sd /sdfGt/ ug{ jf gub e'QmfgL lbg,
-3_ s'g} klg lsl;dsf] gSsnL jf cGo JolQmsf] ljlgd]o clwsf/kq, r]s, 8«fˆ6 jf
o:t} k|sf/sf cGo ;fwgx? cglws[t ?kdf k|fKt u/L gub lng jf e'QmfgL lbg .
^= ljB'tLo ljB'tLo dfWodsf] dfWodsf] b'?k b'?kof]u b'?k of]u jf cglws[t k|of]u u/L u/L e'QmfgL lng jf lbg gx'g] M s;}n] klg
q]ml86 sf8{, 8]la6 sf8{, c6f]d]6]8 6]n/ d]lzg -P6LPd_ sf8{ jf cGo ljB'tLo dfWodsf]
b'?kof]u jf cglws[t k|of]u u/L e'QmfgL lng jf lbg x'Fb}g
.
&= cglws[t cglws[t ?kdf ?kdf shf{ shf{ lng lng jf jf lbg lbg gx'g] gx'g] M s;}n] klg a}Í jf ljQLo ;+:yfaf6 shf{ ln+bf jf lb+bf
b]xfosf] sfo{ ug'{
x'Fb}g
M–
-s_ unt, e'm§f jf g/x] gePsf] ljQLo ljj/0f k]z u/L jf s[lqd Joj;fo v8f u/L
shf{ lng jf lbg,
-v_ lwtf]sf] c:jfefljs ?kdf a9L d"NofÍg u/L shf{ lng jf lbg,
-u_ e'm§f ljj/0fsf] cfwf/df kl/of]hgfsf] nfut c:jfefljs ?kdf a9fO{ a9L shf{ lng
jf lbg,
2

-3_ cfk"mnfO{ k|fKt ePsf] clVtof/L jf :jLs[t ;LdfeGbf aflx/ uO{ shf{, ;'ljwf jf
;x'lnot k|fKt ug{ jf pknAw u/fpg,
-ª_ s'g} Ps a}Í jf ljQLo ;+:yfnfO{ Psk6s lbO;s]sf] ;'/If0f /Ltk"j{s k'ms'jf geO{
jf ;f] ;'/If0fn] vfd]sf] d"NoeGbf a9L x'g] u/L ;f]xL ;'/If0f csf] { a}Í jf ljQLo
;+:yfdf /fvL k'gM shf{ lng jf lbg,
x'g] 5}g .
t/ ;xljQLos/0f cGtu{t k|jfx x'g] shf{sf] k'ms'jfsf] xsdf of] aGb]h nfu"
-r_ jf:tljs ?kdf Joj;fo ;~rfng ug{ ;Sg] ljQLo x}l;ot gePsf] jf cfk"mn]
cg'lrt k|efj kfg{ ;Sg] JolQmsf] gfddf ;+:yf ;+:yfkgf u/fO{ To:tf] ;+:yf dfk{mt
shf{ lng jf To:tf] s'/f hfgL hfgL shf{ lbg,
-5_ u|fxssf] sf/f]af/sf] t'ngfdf cfjZostfeGbf a9L shf{ lbg,
-h_ shf{ ;'ljwf pknAw u/fP afkt s'g} lsl;dsf] cg'lrt nfe lng jf lbg .
*= shf{sf] shf{sf] b'?kof]u b'?kof]u ug{ ug{ gx'g] gx'g] M s;}n] klg a}Í jf ljQLo ;+:yfaf6 h'g k|of]hgsf] nflu shf{
;'ljwf lnPsf] xf] ;f]xL k|of]hgdf gnufO{ cGoq k|of]u u/L jf u/fO{ shf{sf] b'?kof]u ug' { jf
u/fpg' x'Fb}g
.
(= a}lÍË a}lÍË ;| ;|f]t, ;| f]t, ;fwg ;fwg / / ;DklQsf] ;DklQsf] b'?kof]u b'?kof]u ug{ ug{ gx'g gx'g] gx'g M -!_ a}Í jf ljQLo ;+:yfsf] ;+:yfks,
;~rfns, k|rlnt sfg"g adf]lhd ljQLo :jfy{ /x]sf] dflgg] z]o/wgL, k|d'v sfo{sf/L clws[t,
sd{rf/L, ;Nnfxsf/, d]g]lhË Ph]06 jf ;Da4 JolQm jf ;+:yf jf To:tf] JolQmsf kl/jf/sf
;b:o jf glhssf gft]bf/n] a}Í jf ljQLo ;+:yfaf6 shf{ jf ;'ljwf lnO{ jf cGo s'g} tl/sfn]
a}Í jf ljQLo ;+:yfsf] ;|f]t / ;fwgsf] b'?kof]u ug{ x'Fb}g
.
t/,
-!_ a}Í jf ljQLo ;+:yfsf k|d'v sfo{sf/L clws[t jf sd{rf/Ln] k|rlnt sfg"g
adf]lhd sd{rf/L ;'ljwf cGtu{tsf] shf{ jf ;fk6L lng afwf k'¥ofPsf]
dflgg] 5}g .
-@_ glhssf] gft]bf/nfO{ a}Í jf ljQLo ;+:yfsf] ;~rfns ;ldltsf] :jLs[lt lnO{
shf{ jf ;'ljwf lbg afwf kg] { 5}g .
:ki6Ls/0f M o; pkbkmfsf] k|of]hgsf] nflu,–
-s_ ækl/jf/sf ;b:oÆ eGgfn] ;DalGwt JolQmsf] klt jf kTgL, 5f]/f, 5f]/L,
wd{k'q, wd{k'qL, afa', cfdf, ;f}t]gL cfdf / cfk"mn] kfng kf]if0f ug'{
kg] { bfh',
efO{ / lbbL, alxgL ;Demg' k5{ .
-v_ æglhssf] gft]bf/Æ eGgfn] leGg ePsf bfh', efO{, efph', a'xf/L, ljjflxtf
lbbL, alxgL, legfh', HjfOF, elthf, elthL, ;fnf, ;fnL, ;f;", ;;'/f, sfsf,
3

sfsL, dfdf, dfO{h', ef~hf, ef~hL, gflt, gfltgL, gfltgL a'xf/L, gfltgL
HjfOF ;Demg' k5{ .
-@_ s;}n] klg lgIf]kstf{ jf a}Í jf ljQLo ;+:yfsf] lxt k|lts"n x'g] u/L a}Í jf ljQLo
;+:yfsf] ;DklQ vr{ ug{ u/fpg x'Fb}g
.
-#_ s;}n] klg u}/ a}lÍË ;DklQ nufot a}Í jf ljQLo ;+:yfsf] cGo ;DklQ lnnfd laqmL
ubf{ jf cGo s'g} sf/f]af/ ubf{ s'g} cfly{s clgoldttf ug'{
x'Fb}g
.
!)= efvf gf3]sf] C0fLn] ;DklQ k|fKt ug{ jf vftf vf]Ng gx'g] M s'g} efvf gf3]sf] C0fLn] a}Í jf
ljQLo ;+:yfnfO{ ltg'{
kg] { shf{ glt/L :jb]z jf ljb]zl:yt a}Í jf ljQLo ;+:yfdf vftf vf]nL
/sd /fVg jf To:tf] vftfnfO{ lg/Gt/tf lbg jf ;~rfng ug{ jf cGo s'g} tl/sfn] s'g} rn
jf crn ;DklQ vl/b ug{ jf To:tf] ;DklQpk/ s'g} tl/sfn] xsef]u k|fKt ug{ x'Fb}g
. s'g}
C0fLn] ljQLo ;+:yfsf] efvf ggf£b} :jb]z jf ljb]zdf s'g} rn jf crn ;DklQ k|fKt u/]sf] jf
vftf v~rfng u/L lg/Gt/tf lbO{ cfPsf] /x]5 eg] C0fLn] To:tf] ;DklQ jf a}Í vftfaf6 k|fKt
x'g] /sd shf{ ltg{ k|of]u ug'{
kg] {5 .
!!= C0fLsf] C0fLsf] rfn" rfn" kl/of]hgfnfO{ kl/of]hgfnfO{ gf]S;fg gf]S;fg x'g] x'g] u/L u/L C0f C0f jf jf ;'ljwf ;'ljwf /f]Sg /f]Sg gx'g] gx'g
M a}Í jf ljQLo ;+:yfn]
C0fLsf] s'g} kl/of]hgfsf] nflu shf{ jf ;'ljwf :jLs[t u/L klxnf] ls:tf k|bfg ul/;s]kl5
kof{Kt cfwf/ / dgfl;a sf/0fljgf C0fLsf] rfn" kl/of]hgfnfO{ gf]S;fg x'g] u/L afFsL ls:tf
shf{ jf ;'ljwf lbg aLrdf /f]Sg x'Fb}g
.
!@= sfuhft sfuhft jf jf vftf vftf vftf axL axL ;RofO{ ;RofO{ sLt]
sLt] { { { { jf jf hfn;fhL hfn;fhL u/L u/L xflg xflg gf]S;fgL k'¥of k'¥ofpg k'¥of
pg gx'g gx'g] gx'g M s;}n] klg
a}Í jf ljQLo ;+:yfsf] s'g} sfuhft jf vftf axLdf n]lvPsf] s'g} s'/f s'g} tl/sfn] x6fO{ jf
p8fO{ cs} { dtna lg:sg] Joxf]/f kf/L ldnfO{ n]Vg] h:tf sfd u/]af6 cfk"mnfO{ jf c? s;}nfO{
kmfObf jf xflg gf]S;fgL ug] { p2]Zon] sLt] { ug{ jf csf{sf] xflg gf]S;fgL ug] { p2]Zon] gu/] jf
gePsf] e'm§f s'/f u/] jf ePsf] xf] egL jf ldlt, cÍ jf Joxf]/f km/s kf/L ;xL5fk u/L u/fO{
sfuhft agfO{ jf agfpg nufO{ hfn;fhL ug{ x'Fb}g
.
!#= a9L, a9L, sd sd jf jf jf unt unt d"NofÍg d"NofÍg ug{ ug{ gx'g gx'g] gx'g M shf{sf] lwtf]:j?k a}Í jf ljQLo ;+:yfdf /flvg] rn
crn ;DklQ jf u}/ a}lÍË ;DklQsf] ?kdf /x]sf] a}Í jf ljQLo ;+:yfsf] rn jf crn ;DklQ
lnnfd laqmL jf a}Í ;DaGwL cGo k|of]hgsf] nflu d"NofÍg ubf{ d"NofÍgstf{n] a9L, sd jf
unt d"NofÍg u/L a}Í jf ljQLo ;+:yfnfO{ xflg gf]S;fgL k'¥ofpg] sfo{ ug'{
x'Fb}g
.
!$= clgoldt clgoldt cfly{s cfly{s cfly{s tyf tyf ljQLo ljQLo ljQLo sf/f]af/ sf/f]af/ ug{ ug{ u/fpg u/fpg u/fpg gx'g] gx'g] M a}Í jf ljQLo ;+:yfnfO{ xflg gf]S;fgL
k'¥ofpg] p2]Zon] s;}n] klg s'g} sfd u/fpg jf gu/fpg, df]nflxhf ug{ jf gug{, s'g}
lsl;dsf] /sd lng jf lbg, lagf d"No jf sd d"Nodf s'g} dfn, j:t' jf ;]jf lng jf lbg,
bfg, bftJo, pkxf/ jf rGbf lng jf lbg, unt lnvt tof/ ug{ jf u/fpg, cg'jfb ug{ jf
u/fpg jf u}/ sfg"gL nfe jf xflg k'¥ofpg] abgLotn] s'g} sfo{ ug{ jf u/fpg x'Fb}g
.
4

kl/R5]b kl/R5]b–# kl/R5]b
b08 b08 ;hfo
;hfo
!%= b08 b08 ;hfo ;hfo M -!_ s;}n] bkmf # sf] v08 -s_, -v_, -u_, bkmf $ jf bkmf !! adf]lhdsf] s'g} sfo{
u/]df s;"/sf] dfqf cg';f/ bz xhf/ ?k}ofF;Dd hl/afgf x'g]5 .
-@_ s;}n] bkmf %, ^ bkmf & sf] v08 -3_, -ª_, -r_, -5_ jf -h_, bkmf *, (, !), !@ jf
bkmf !$ adf]lhdsf] s'g} sfo{ u/]df To:tf] s;"/;Fu ;DalGwt b]xfo adf]lhdsf] lauf] ePdf
s;"/sf] dfqf cg';f/ b]xfo adf]lhdsf] s}b / lauf] e/fO{ lauf] adf]lhd hl/afgf x'g]5 M–
-s_ bz nfv ?k}ofF;Dd lauf] eP – Ps jif{;Dd s}b
-v_ bz nfv ?k}ofFeGbf a9L krf; nfv
?k}ofF;Dd lauf] eP – Ps jif{b]lv b'O{ jif{;Dd s}b
-u_ krf; nfv ?k}ofFeGbf a9L Ps s/f]8
?k}ofF;Dd lauf] eP – b'O{ jif{b]lv tLg jif{;Dd s}b
-3_ Ps s/f]8 ?k}ofFeGbf a9L hlt;'s} lauf]
eP klg – tLg jif{b]lv kfFr jif{;Dd s}b
-#_ s;}n] bkmf & sf] v08 -s_, -v_, -u_ jf bkmf !# adf]lhdsf] s'g} sfo{ u/]df s;"/sf]
dfqf cg';f/ To:tf] lwtf]sf] d"NofÍg a/fa/sf] /sd hl/afgf u/L kfFr jif{;Dd s}b x'g]5 /
To:tf] d"NofÍg ug] { d"NofÍgstf{nfO{ d'2f x]g] { clwsf/Ln] s;"/sf] dfqf cg';f/ ;hfo e'Qmfg
ePsf] ldltn] tLg jif{;Dd d"NofÍg ug{ gkfpg] u/L /f]s nufpg] cfb]z lbg ;Sg]5 .
-$_ o; bkmf adf]lhd lauf] hkmt u/L lauf] sfod ug{ g;lsg] cj:yf ePsf]df s;"/sf]
dfqf cg';f/ bz nfv ?k}ofF;Dd hl/afgf / b'O{ jif{;Dd s}b x'g]5 .
-%_ s'g} ;+:yfn] o; P]g cGtu{tsf] s;"/ u/]sf]df To:tf] s;"/ ug] { kbflwsf/L jf sd{rf/L
klxrfg ePsf]df To:tf] kbflwsf/L jf sd{rf/LnfO{ / klxrfg x'g g;s]sf]df s;"/ u/]sf avt
To:tf] ;+:yfsf] sfof{no k|d'vsf] x}l;otdf sfd ug] { JolQm lhDd]jf/ x'g]5 .
-^_ a}lÍË s;"/ ug{ pBf]u ug] { JolQm jf ;+:yf jf To:tf] s;"/ ug{ ck|ToIf ?kdf ;+nUg
JolQm jf ;+:yf jf To:tf] s;"/ ug{ ;3fp k'¥ofpg] JolQm jf s;"/ ug{ ;3fp k'¥ofpg] ;+:yfsf]
sd{rf/L jf k|d'v sfo{sf/L kbflwsf/L jf kbflwsf/LnfO{ s;"/bf/nfO{ x'g] ;hfosf] cfwf ;hfo
x'g]5 .
!^= afwf afwf lj/f]w ug] ug]
ug] {nfO{ {nfO{ ;hfo ;hfo M o; P]g cGtu{tsf] cg';Gwfg tyf txlssft ;DaGwL sfd
sf/afxLdf s;}n] afwf lj/f]w u/]df lghnfO{ cg';Gwfg tyf txlssft ug] { clwsf/Lsf]
k|ltj]bgsf] cfwf/df d'2f x]g] { clwsf/Ln] 5 dlxgf;Dd s}b jf kfFr xhf/ ?k}ofF;Dd hl/afgf jf
b'j} ;hfo ug{ ;Sg]5 .
5

kl/R5]b kl/R5]b–$ kl/R5]b
d'2fsf] d'2fsf] d'2fsf] sf/afxL sf/afxL / / lsgf/f
lsgf/f
!&= hfx]/L hfx]/L lbg] lbg] cjlw cjlw / / xbDofb xbDofb M -!_ o; P]g cGtu{tsf] s;"/df To:tf] s;"/ ePsf] s'/f yfxf
kfPsf] ldltn] Ps jif{leq hfx]/L lbg ;lsg]5 / To;/L hfx]/L k/]sf] ldltn] 5 dlxgfleq g]kfn
;/sf/n] g]kfn /fhkqdf ;"rgf k|sfzg u/L tf]lslbPsf] cbfnt ;dIf d'2f bfo/ ul/;Sg' kg] {5
.
-@_ pkbkmf -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg s'g} a}Í jf ljQLo ;+:yfsf] sd{rf/L
jf kbflwsf/Ln] cfk"m s'g} kbdf axfn /x]sf] cj:yfdf a}Í jf ljQLo ;+:yfsf] ;DklQ lxgfldgf
jf xflg gf]S;fgL u/L a}lÍË s;"/ u/]sf] ;DaGwdf To:tf] sd{rf/L jf kbflwsf/Lpk/ hlxn];'s}
klg d'2f rnfpg ;lsg]5 / o:tf] sd{rf/L jf kbflwsf/Ln] cfˆgf] kbaf6 cjsfz k|fKt u/]kl5
klg d'2f rnfpg afwf kg] { 5}g .
!*= ;/sf/jfbL ;/sf/jfbL x'g x'g] x'g M o; P]g cGtu{t ;hfo x'g] d'2f g]kfn ;/sf/jfbL x'g]5 / To:Tff] d'2f ;/sf/L
d'2f ;DaGwL P]g, @)$( sf] cg';"rL–! df ;dfj]z ePsf] dflgg]5 .
!(= y'gfdf y'gfdf /fvL /fvL /fvL sf/afxL sf/afxL ug{ ug{ ;lsg ;lsg] ;lsg M -!_ k|rlnt sfg"gdf h'g;'s} s'/f n]lvPsf] eP tfklg o;
P]g cGtu{tsf] s;"/df sf/afxL rnfOPsf] s'g} JolQmn] s'g} k|df0f nf]k jf gfz ug{ ;Sg] jf
cg';Gwfg tyf txlssftsf] sf/afxLdf afwf Jojwfg jf k|lts"n c;/ kfg{ ;Sg] kof{Kt sf/0f
ljBdfg ePdf jf g]kfndf :yfoL a;f]af; gePsf] s'g} JolQm tTsfn k|fKt k|df0faf6 5 dlxgf
jf ;f]eGbf a9L s}bsf] ;hfo x'g ;Sg] a}lÍË s;"/sf] s;"/bf/ xf] eGg] ljZjf; ug] { s'g} dgfl;a
cfwf/ ePdf cg';Gwfg tyf txlssft ug] { clwsf/Ln] lghnfO{ k|rlnt sfg"g adf]lhd y'g'jf
k'hL{ lbO{ y'gfdf /fVg ;Sg]5 .
-@_ pkbkmf -!_ adf]lhd y'gfdf /flvPsf] JolQmsf] ;DaGwdf rf}aL; 306fleq cg';Gwfg
tyf txlssft k"/f gx'g] eO{ lghnfO{ y'gfdf /fvL cg';Gwfg tyf txlssft hf/L /fVg' kg] {
b]lvPdf cg';Gwfg tyf txlssft ug] { clwsf/Ln] lghnfO{ d'2f x]g] { clwsf/L ;dIf pkl:yt
u/fO{ d'2f x]g] { clwsf/Laf6 cg'dlt lnP/ dfq y'gfdf /fVg' kg] {5 .
-#_ pkbkmf -@_ adf]lhd d'2f x]g] { clwsf/L;Fu cg'dlt dfUbf y'gfdf k/]sf] JolQmpk/sf]
cleof]u, To;sf] cfwf/, lghnfO{ y'gfd} /fvL cg'[;Gwfg
tyf txlssft ug'{
kg] { sf/0f / lghsf]
aofg sfuh eO;s]sf] eP aofg sfuhsf] Joxf]/f :ki6 ?kdf pNn]v ug'{
kg] {5 .
-$_ pkbkmf -@_ adf]lhd y'gfdf /fVg] cg'dlt dfu]df d'2f x]g] { clwsf/Ln] ;DalGwt
sfuhftx? x]/L cg';Gwfg tyf txlssft ;Gtf]ifhgs ?kdf eP jf gePsf] ljrf/ u/L
;Gtf]ifhgs ?kdf cg';Gwfg tyf txlssft eO/x]sf] b]lvPdf Ps}k6s jf k6s k6s u/L
Psk6sdf bz lbgdf ga9\g] u/L a9Ldf k} +tfnL; lbg;Dd y'gfdf /fVg] cg'dlt lbg ;Sg]5 .
kl/R5]b–%
6

ljljw
@)= ;xof]u ;xof]u ug'
ug' { { { { kg]
kg] { { { { M o; P]g cGtu{tsf] a}lÍË s;"/sf] ;DaGWfdf cg';Gwfg tyf txlssft ubf{
cg';Gwfg tyf txlssft ug] { clwsf/LnfO{ cfjZos ;xof]u k'¥ofpg' a}Í jf ljQLo ;+:yf jf
;DalGwt JolQmsf] st{Jo x'g]5 .
@!= uf]Kotf uf]Kotf eË eË u/]sf] u/]sf] u/]sf] cfwf/df cfwf/df sf/afxL sf/afxL gx'g gx'g] gx'g M k|rlnt sfg"gdf h'g;'s} s'/f n]lvPsf] eP tfklg
o; P]g cGtu{tsf]] s;"/ ePsf] jf x'g nfu]sf] ljifodf sfg"gL sf/afxL cufl8 a9fpg jf
To:tf] s;"/ x'g glbg cfjZos ;"rgf lbg] a}Í jf ljQLo ;+:yfsf] sd{rf/L eP lghn] u/] jf
k'¥ofPsf] ;xof]u afkt lghsf] ;]jf zt{ ;DaGwL sfg"g cg';f/ uf]kgLotf eË u/]sf] cfwf/df
sf/afxL x'g] 5}g .
@@= Dofb Dofb Dofb tfd]n tfd]n ;DaGwL ;DaGwL Joj:yf Joj:yf M -!_ k|rlnt sfg"gdf h'g;'s} s'/f n]lvPsf] eP tfklg o; P]g
cGtu{tsf] s;"/df ljb]zL JolQmsf] gfddf Dofb tfd]n ug'{
kbf{ To:tf] JolQmsf] g]kfnleq s'g}
lsl;dsf] sfof{no jf k|ltlglw eP To:tf] sfof{no jf k|ltlglwsf] gfddf Dofb tfd]n ul/g]5 /
To;/L tfd]n ePsf] Dofb /Ltk"j{s tfd]n ePsf] dflgg]5 .
-@_ pkbkmf -!_ adf]lhdsf] sfof{no jf k|ltlglw gePdf To:Tff] JolQmsf] sf/f]af/ x'g]
d'Vo :yfg jf lghn] :yfoL a;f]af; ug] { 7]ufgf jf sf/f]af/ ubf{sf] avt kqfrf/sf] nflu lghn]
lbPsf] s'g} 7]ufgf /x]5 eg] To:tf] 7]ufgfdf 6]n]S;, 6]lnˆofS; jf clen]v x'g ;Sg] b"/;~rf/sf
cGo dfWod dfk{mt jf /lhi6/L u/L x'nfs dfk{mt Dofb tfd]n ul/g]5 / To;/L tfd]n ePsf]
Dofb /Ltk"j{s tfd]n ePsf] dflgg]5 .
-#_ pkbkmf -!_ jf -@_ df h'g;'s} s'/f n]lvPsf] eP tfklg ljb]zdf /x] a;]sf] JolQmsf]
gfddf Dofb tfd]n ug{ g]kfn ;/sf/ jf g]kfn kIf ePsf] s'g} ;lGwdf 5'§} Joj:yf ePsf] /x]5
eg] ;f]xL adf]lhd Dofb tfd]n ug{ o; bkmfn] afwf k'¥ofPsf] dflgg] 5}g .
@#= ;"rgf ;"rgf k|sfzg k|sfzg ug ug] ug ug{
M o; P]g jf cGo k|rlnt sfg"g adf]lhd s'g} JolQmsf] gfddf ;"rgf
k7fpFbf jf Dofb tfd]n ubf{ To:tf] JolQmsf] 7]ufgf kQf gnfuL jf cGo s'g} sf/0fn] To:Tff]
;"rgf a'emfpg g;lsPsf] jf Dofb tfd]n x'g g;s]sf] s'/fsf] k|ltj]bg kg{ cfPdf k|rlnt
sfg"gdf h'g;'s} s'/f n]lvPsf] eP tfklg To:Tff] JolQmnfO{ tL; lbg;Ddsf] Dofb lbO{ cg';Gwfg
ePsf] jf d'2f x]g] { clwsf/L ;dIf d'2f bfo/ eO;s]sf] eP ;f] ljifosf] ;+lIfKt ljj/0f pNn]v
u/L pkl:yt x'g /fli6«o :t/sf] ;dfrf/kqdf -ljb]zLsf] xsdf c+u| ]hL b}lgsdf_ sDtLdf b'O{k6s
;fj{hlgs ;"rgf k|sfzg ul/g]5 / To;/L ;"Rfgf k|sfzg ePsf]df o; P]g jf cGo k|rlnt
sfg"gdf h'g;'s} s'/f n]lvPsf] eP tfklg To:tf] JolQmnfO{ /Ltk"j{s ;"Rfgf lbOPsf] jf Dofb
tfd]n ePsf] dflgg]5 .
@$= ljb]zL ljb]zL JolQmsf] JolQmsf] ;DklQ ;DklQ /f]Ssf /f]Ssf /f]Ssf /fVg /fVg cfb]z cfb]z lbg] lbg] M -!_ cg';Gwfg tyf txlssft ug] { clwsf/Ln]
lbPsf] ;"Rfgf jf bkmf @@ adf]lhd tfd]n ePsf] Dofb adf]lhd cg';Gwfg tyf txlssft ug] {
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clwsf/L ;dIf pkl:yt gx'g] s'g} ljb]zL JolQmsf] g]kfnleq s'g} ;DklQ, xs, lxt jf ;/f]sf/
/x]5 eg] To:tf] JolQm cg';Gwfg tyf txlssft ug] { clwsf/L ;dIf pkl:yt geP;Dd To:tf]
;DklQ, xs, lxt jf ;/f]sf/ cg';Gwfg tyf txlssft ug] { clwsf/Ln] tf]s] adf]lhd
oyfl:yltdf /fVg jf g]kfnaflx/ n}hfg gkfpg] u/L cg';Gwfg tyf txlssft ug] { clwsf/Ln]
cfb]z lbg ;Sg]5 / To:tf] cfb]zsf] kfngf ug'{
;DalGwt ;a}sf] st{Jo x'g]5 .
-@_ pkbkmf -!_ adf]lhdsf] cfb]z kfng gug] { JolQmnfO{ cg';Gwfg tyf txlssft ug] {
clwsf/Ln] Ps nfv ?k}ofF;Dd hl/afgf ug{ ;Sg]5 / To:tf] cfb]z kfng gu/]sf] sf/0faf6
g]kfn ;/sf/ jf ;fj{hlgs ;+:yfnfO{ s'g} lsl;dsf] xflg gf]S;fgL ePsf] /x]5 eg] ;f] ;d]t
lghaf6 e/fOg]5 .
@%= d'2fsf] d'2fsf] d'2fsf] sf/afxL sf/afxL / / lsgf/f lsgf/f ug{ ug{ afwf afwf afwf gkg gkg] gkg gkg{
M k|rlnt sfg"gdf h'g;'s} s'/f n]lvPsf] eP tfklg
o; P]g cGtu{tsf] d'2f bfo/ x'g' cufj} jf bfo/ ePkl5 cleo'Qm jf k|ltjfbLsf] d[To' ePdf
klg d'2fsf] sf/afxL / lsgf/f ug{ afwf kg] { 5}g .
@^= ;hfosf] ;hfosf] ddfubfjLdf
d dfubfjLdf
fubfjLdf 5" 5"6 5" 6 x'g x'g ;Sg] ;Sg] M o; P]g adf]lhdsf] cg';Gwfg tyf txlssftsf] sfd
sf/afxLdf ;xof]u ug] { cleo'QmnfO{ cg';Gwfg tyf txlssft ug] { clwsf/Ln] cfˆgf] ;fIfLsf]
?kdf k|:t't u/L lghnfO{ ;hfosf] dfubfjLdf k"0f{ jf cf+lzs 5"6 lbg ;Sg]5 .
t/ lghn] u/]sf] ;xof]u cGo ;a'b jf k|df0faf6 k|dfl0ft gePdf jf lghn] d'2f x]g] {
clwsf/L ;dIf cg';Gwfg tyf txlssft ug] { clwsf/LnfO{ u/]sf] ;xof]u k|lts"n x'g] u/L aofg
lbPdf o; P]g jf k|rlnt sfg"gdf h'g;'s} s'/f n]lvPsf] eP tfklg lghpk/ k'gM d'2f bfo/
ug{ ;lsg]5 .
@&= cof]Uo cof]Uo ePsf] ePsf] dflgg dflgg] dflgg M o; P]g adf]lhd s}bsf] ;hfo kfPsf] JolQm a}Í tyf ljQLo ;+:yfsf]
sd{rf/Lsf] ?kdf sfd ug{ cof]Uo ePsf] dflgg]5 .
@*= k|rlnt k|rlnt sfg"g sfg"g adf]lhd adf]lhd x'g x'g] x'g M o; P]gdf cGoq h'g;'s} s'/f n]lvPsf] eP tfklg k|rlnt sfg"g
adf]lhd ;fj{hlgs kb wf/0f u/]sf] JolQm jf /fi6«;]js ;+nUg /x]sf] s;"/df clVtof/ b'?kof]u
cg';Gwfg cfof]u P]g, @)$* / e|i6frf/ lgjf/0f P]g, @)%( adf]lhd sf/afxL / ;hfo x'g]
/x]5 eg] ;f]xL P]gx? adf]lhd sf/afxL / ;hfo x'g]5 .
@(= lgod lgod agfpg agfpg ;S ;Sg] ;S g] M o; P]gsf] p2]Zo sfof{Gjog ug{ g]kfn ;/sf/n] cfjZos lgodx?
agfpg ;Sg]5 .
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