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Revised Terms and Condition for Sale of FP Cotton Bales through e ...

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भारतीय कपास िनगम िलिमटेड<br />

THE COTTON CORPORATION OF INDIA LTD.<br />

(भारत सरकार का उपम)<br />

(A Government <strong>of</strong> India Undertaking)<br />

कपास भवन, पललट न. 3/ए, सेकटर-10, सी.बी.ड. बेलापूर, नवी मुमबब-400614<br />

Kapas Bhavan, Plot No.3-A, Sector 10, CBD-Belapur, Navi Mumbai 400 614<br />

दूरभाष/Phone:022-27579217, फै कस /Fax: 022- 27576030, ब-मेल/Email: head<strong>of</strong>fice@cotcorp.com;<br />

वेबसाइट/Website: www.cotcorp.gov.in; मंालय क वेबसाइट/Ministry’s Website: www.ministry<strong>of</strong>textiles.gov.in<br />

TERMS AND CONDITIONS FOR SALE OF <strong>FP</strong> COTTON BALES BY CCI<br />

THROUGH e-AUCTION TO COTTON TRADERS<br />

The quotes received from H-1 bidder will be placed be<strong>for</strong>e the Purchase & <strong>Sale</strong>s<br />

Committee <strong>and</strong> the decision on the bid will be conveyed to the H-1 bidder on the same<br />

day <strong>through</strong> e-mail / fax. In case the highest bids received <strong>for</strong> any block <strong>of</strong> a variety<br />

is less than H-1 bid <strong>for</strong> other block <strong>of</strong> same variety, the bid will be liable to be<br />

rejected unless the bidder improves the bid to the level <strong>of</strong> day’s H-1 bid <strong>for</strong> that<br />

variety.<br />

In such cases, the counters at the price <strong>of</strong> H-1 bid will be communicated to those<br />

bidders who have bid highest <strong>for</strong> a particular block in the e-auction but less than<br />

the day’s H-1 bid <strong>for</strong> other block <strong>of</strong> same variety on the same day. The acceptance<br />

or non-acceptance <strong>of</strong> counter by such bidders should be communicated to CCI<br />

followed by e-mail/fax on same day latest by 5.45 pm. In the absence <strong>of</strong> any<br />

written communication from the Bidder, the bid will be rejected.<br />

However, the Corporation reserves its right to accept or reject all or part <strong>of</strong> the bid<br />

without assigning any reason there<strong>of</strong>.<br />

1. DEPOSIT MONEY:<br />

a. The Buyer shall pay within five days excluding the date <strong>of</strong> contract, a minimum<br />

amount <strong>of</strong> 10% <strong>of</strong> the value <strong>of</strong> cotton towards deposit <strong>for</strong> sale quantity upto<br />

2999 bales <strong>and</strong> 15% <strong>of</strong> the value <strong>of</strong> cotton towards deposit <strong>for</strong> sale quantity <strong>of</strong><br />

3000 bales <strong>and</strong> above.<br />

b. Buyer’s failure to deposit advance value <strong>of</strong> the contracted cotton within the<br />

stipulated time shall make the contract liable <strong>for</strong> cancellation at the option <strong>of</strong><br />

the Seller <strong>and</strong> the Security Deposit <strong>for</strong> registration will be <strong>for</strong>feited.<br />

c. The said deposit amount will be adjusted proportionately after retaining<br />

required amount as per Clause No.11 with each delivery <strong>and</strong> shortfall, if any,<br />

will be made good in such a manner that ___% <strong>of</strong> the value <strong>of</strong> all the contracted<br />

cotton remaining to be delivered under different indents will be maintained at<br />

all the time till the entire contracted cotton is lifted.


2<br />

d. Interest benefit on proportionate deposit <strong>of</strong> lifted bales will be allowed at the<br />

rate <strong>of</strong> 8.0% p.a. from the date <strong>of</strong> realization <strong>of</strong> deposit till adjustment on<br />

delivery. However, <strong>for</strong> the deposit amount retained against pending ‘C’ <strong>for</strong>ms,<br />

the interest shall be payable <strong>for</strong> the period as stated in Clause No.11. The<br />

interest credit shall be passed on to the Buyer only after completion <strong>of</strong> Indent.<br />

2. SELECTION OF THE CONTRACTED COTTON:<br />

The Buyer or its representative shall select the cotton under this contract within<br />

three days from the date <strong>of</strong> <strong>of</strong>fering; however, such selection shall be prior to the date <strong>of</strong><br />

delivery <strong>of</strong> the cotton. The CCI shall <strong>of</strong>fer the bales within specified period as under:<br />

<strong>Sale</strong> Quantity Offering Period<br />

I. Less than 1000 bales Within 10 days from the date <strong>of</strong> Contract<br />

II. 1000 bales upto 2999 bales Within 15 days from the date <strong>of</strong> contract.<br />

III 3000 bales <strong>and</strong> above Within 20 days from the date <strong>of</strong> contract.<br />

In case bales are not <strong>of</strong>fered within specified period then additional free period<br />

will be given proportionately on un-<strong>of</strong>fered quantity. The quantity <strong>of</strong>fered shall be 120%<br />

<strong>of</strong> the contracted quantity to enable Buyer to complete selection. A minimum 90% <strong>of</strong> the<br />

contracted quantity has to be selected <strong>and</strong> approved. The Buyer or its authorized<br />

representative should fully satisfy itself be<strong>for</strong>e completing selection. Selection once made<br />

as per the indicated quality parameters shall be final <strong>and</strong> no dispute, whatsoever,<br />

regarding quality shall be entertained in respect <strong>of</strong> the cotton selected.<br />

Buyers’ failure to complete selection within a maximum period <strong>of</strong> 10 days from<br />

the date <strong>of</strong> <strong>of</strong>fering shall make proportionate Deposit Money liable <strong>for</strong> <strong>for</strong>feiture <strong>and</strong><br />

contract liable <strong>for</strong> cancellation to the extent <strong>of</strong> unapproved quantity at the option <strong>of</strong> the<br />

Seller.<br />

3. FREE PERIOD:<br />

Buyer’s Category<br />

Type <strong>of</strong><br />

<strong>Sale</strong><br />

Quantity Free Period<br />

1. <strong>Cotton</strong> i) e-auction Upto 999 bales 15 days from the date<br />

Traders<br />

<strong>of</strong> contract.<br />

ii) e-auction 1,000 bales upto 30 days from the date<br />

2999 bales <strong>of</strong> contract.<br />

iii) e-auction 3000 bales <strong>and</strong> 45 days from the date<br />

above<br />

<strong>of</strong> contract.<br />

The Buyer shall be entitled <strong>for</strong> free delivery period based on actual quantity<br />

approved.<br />

4. REGISTRATION WITH TAX AUTHORITIES<br />

The buyer shall be a registered dealer with <strong>Sale</strong>s Tax <strong>and</strong> Income Tax Authorities<br />

<strong>and</strong> shall provide the necessary VAT/<strong>Sale</strong>s Tax Registration Number, PAN <strong>and</strong> Service Tax<br />

Number <strong>of</strong> his firm to the Corporation.


5. TYPE SAMPLES<br />

3<br />

In case any buyer wants to have type samples <strong>of</strong> any variety/grade being procured<br />

by the Corporation under any Branch the same would be made available to him on<br />

payment basis <strong>and</strong> the buyer shall make payment @ Rs. 90 per kg. by way <strong>of</strong><br />

cash/dem<strong>and</strong> draft to the concerned Branch <strong>of</strong> the Corporation <strong>for</strong> obtaining such<br />

samples.<br />

6. INVOICE OF THE CONTRACTED QUANTITY<br />

The invoice <strong>of</strong> the contracted quantity will be made in the name <strong>of</strong> the original<br />

buyer i.e. cotton Trader. The ‘C’ <strong>for</strong>m or any other relevant <strong>for</strong>m <strong>for</strong> tax purposes shall be<br />

given to the Corporation by the Trader who has given the <strong>of</strong>fer to purchase the bales.<br />

7. WEIGHMENT, DELIVERY AND PAYMENT TERMS:<br />

a) Buyer shall be entitled to a free delivery period to take delivery <strong>of</strong> the<br />

contracted cotton against full payment <strong>of</strong> cotton value <strong>and</strong> taxes within<br />

__________ days from the date <strong>of</strong> contract.<br />

b) 100% weighment <strong>of</strong> bales shall be carried out at spot at the time <strong>of</strong> delivery in<br />

the presence <strong>of</strong> the Buyer’s representative/controller <strong>and</strong> such weighment<br />

shall be final <strong>and</strong> binding. In case <strong>of</strong> advance payment by the Buyer, the<br />

payment shall be worked out <strong>for</strong> weight calculated at the rate <strong>of</strong> 48 c<strong>and</strong>ies<br />

per 100 bales. All sales shall be on spot basis & expenses after weighment,<br />

shall be on the Buyer’s account.<br />

c) All payments shall be made in crossed A/c Payee Dem<strong>and</strong> Drafts, Pay Orders,<br />

Banker’s Cheques in favour <strong>of</strong> the Corporation or by means <strong>of</strong> Electronic Fund<br />

Transfer in Bank Account <strong>of</strong> the Corporation only. In case <strong>of</strong> payment by<br />

cheques, or <strong>through</strong> Electronic Fund Transfer delivery shall be allowed to take<br />

place only on confirmation <strong>of</strong> realization <strong>of</strong> payment in the Seller’s account.<br />

d) The Buyer shall effect payment <strong>and</strong> take delivery <strong>of</strong> bales within the free<br />

period applicable from date <strong>of</strong> contract. In case <strong>of</strong> failure on the part <strong>of</strong> the<br />

Buyer to do so, the contract is liable to be cancelled at the option <strong>of</strong> the seller.<br />

In the event <strong>of</strong> such a cancellation, the Seller shall be entitled to resell the<br />

entire or balance quantity there<strong>of</strong>, at any time <strong>and</strong> in any manner it deems fit<br />

<strong>and</strong> at the same time, reserving its right to recover any damage/losses<br />

sustained by such resale.<br />

8. CARRYING OF COTTON:<br />

Without prejudice to the provisions stated above, the seller may carry or hold<br />

cotton on behalf <strong>of</strong> the Buyer beyond free delivery period, subject to Buyer complying<br />

with the following conditions:<br />

a) The Buyer shall make a request to the seller to carry cotton on its behalf, be<strong>for</strong>e<br />

expiry <strong>of</strong> free delivery period or give lifting schedule <strong>for</strong> the balance unlifted<br />

quantity, but within the maximum carrying period <strong>of</strong> 30 days after expiry <strong>of</strong> free<br />

period. The Buyer shall also deposit advance carrying charges <strong>for</strong> unlifted


4<br />

quantity at specified rate <strong>for</strong> intended period <strong>of</strong> carrying cotton as permitted<br />

under the contract.<br />

b) The rate <strong>of</strong> carrying charges shall be as mentioned hereunder:<br />

@ 1.40% per month <strong>for</strong> first 30 days <strong>and</strong> thereafter @1.60% per month per<br />

30 days till the delivery <strong>of</strong> cotton. The amount <strong>of</strong> carrying charges shall be<br />

calculated on monthly rest basis. Till payment <strong>of</strong> the price <strong>of</strong> the bales to be<br />

delivered is fully realized, carrying charges as per the a<strong>for</strong>esaid rates shall be<br />

chargeable.<br />

c) Notwithst<strong>and</strong>ing the above conditions <strong>and</strong> without any prejudice thereto, the<br />

Seller may carry cotton or any part there<strong>of</strong> on behalf <strong>of</strong> Buyer <strong>for</strong> a maximum<br />

period <strong>of</strong> 30 days after the expiry <strong>of</strong> free period or <strong>for</strong> such further extended<br />

period as may be allowed at the entire discretion <strong>of</strong> the Seller. The Buyer shall<br />

make full payment <strong>of</strong> value <strong>of</strong> cotton <strong>and</strong> due amount <strong>of</strong> carrying charges <strong>for</strong><br />

extended period against deliveries. If payment is not made <strong>and</strong> delivery not<br />

taken within maximum allowable 30 days period after free period or such<br />

extended period also, the Seller may <strong>for</strong>feit the said advance payment inclusive<br />

<strong>of</strong> advance payment made towards carrying charges, after payment, if any.<br />

d) In the event <strong>of</strong> default, the Seller may resell the cotton at any time <strong>and</strong> in any<br />

manner it deems fit <strong>and</strong> recover the balance losses/damages from the Buyer, if<br />

any, sustained in such a resale, inclusive <strong>of</strong> price difference, carrying charges<br />

<strong>and</strong> interest. The provisions under this contract with respect to a breach <strong>of</strong><br />

the contract shall be invoked <strong>and</strong> operated automatically without any need <strong>for</strong><br />

a notice from the Seller to the Buyer.<br />

e) The business dealings with Buyers shall be banned till the losses on resale are<br />

made good out <strong>of</strong> this contract by the Buyer.<br />

9. LATE LIFTING CHARGES:<br />

If after making payment <strong>of</strong> the value <strong>of</strong> cotton sold under this contract, the Buyer<br />

does not take physical delivery <strong>of</strong> cotton within 15 days from the date <strong>of</strong> making payment,<br />

the Buyer shall be liable to pay late lifting charges @ 0.50% per month per 30 days from<br />

16 th day <strong>of</strong> payment <strong>of</strong> such unlifted stock till the delivery <strong>of</strong> cotton is taken, the cotton<br />

shall lie at the risk <strong>and</strong> liability <strong>of</strong> the Buyer.<br />

10. CASH DISCOUNT FOR MAKING EARLY PAYMENT:<br />

The Buyer shall be entitled <strong>for</strong> cash discount at the rate <strong>of</strong> 9.5% p.a. on pro-rata<br />

basis <strong>for</strong> unavailed free period i.e. <strong>for</strong> the number <strong>of</strong> days <strong>for</strong> which payment is<br />

realised earlier than required as per terms <strong>of</strong> the contract.<br />

In case <strong>of</strong> deliveries under L/C <strong>and</strong> B/G the cash discount @ 7.5% p.a. on prorata<br />

basis <strong>for</strong> unavailed free period from the date <strong>of</strong> realisation <strong>of</strong> payment will be<br />

allowed by the Corporation provided:


5<br />

a. The Buyer shall open the L/C with any schedule bank (excluding co-operative<br />

bank). The Corporation reserves its right to accept or reject delivery under L/C<br />

facility.<br />

b. The discounting <strong>of</strong> L/C will be done at the request <strong>of</strong> the buyer <strong>and</strong> “without<br />

recourse to drawer”.<br />

c. The discounting will be done at the bank chosen by the buyer <strong>and</strong> agreed <strong>for</strong><br />

the discounting.<br />

d. All the expenditure in connection with discounting <strong>of</strong> L/C is borne by the<br />

buyers.<br />

11. SALES TAX/VALUE ADDED TAX (VAT)<br />

The buyer shall pay <strong>Sale</strong>s Tax/VAT on the value <strong>of</strong> cotton at the rate applicable<br />

on the date <strong>of</strong> taking delivery. Buyer registered under the relevant <strong>Sale</strong>s Tax Act shall<br />

furnish necessary ‘C’ <strong>for</strong>ms/Declaration <strong>for</strong>ms within 60 days after the end <strong>of</strong> the<br />

quarter in which deliveries are taken (subject to change, in case change in CST<br />

Act/Rules). Till such time the ‘C’ <strong>for</strong>ms are received from the buyer, 2%/3%(as the case<br />

may be) amount out <strong>of</strong> the deposit received from the buyer will be retained by the<br />

seller. In case, if ‘C’ <strong>for</strong>ms are not submitted within the stipulated period, no interest<br />

will be paid on retained deposit <strong>for</strong> the delayed period <strong>of</strong> submission <strong>of</strong> ‘C’ <strong>for</strong>ms.<br />

12. INTEREST:<br />

The rate <strong>of</strong> interest on deliveries under L/C or Bank Guarantee will be @ 15%<br />

per annum, on monthly rest basis.<br />

13. PENAL RATE OF INTEREST:<br />

In case the payment under L/C or Bank Guarantee is not received on due date<br />

from the bank, the penal interest will be charged @ 17% per annum on monthly rest<br />

basis.<br />

14. PROCESSING CHARGES IN CASE OF DELIVERY AGAINST L/C AND ITS<br />

DISCOUNTING<br />

The Seller shall charge processing fees on each L/C discounted @ 0.10% <strong>of</strong> its<br />

value or Rs.200/-, whichever is higher.<br />

15. OTHER TERMS<br />

<strong>Terms</strong> Rate<br />

1 Where buyers request <strong>for</strong> samples to be sent to<br />

them <strong>for</strong> approval instead <strong>of</strong> going to spot <strong>for</strong><br />

selection<br />

16. ARBITRATION:<br />

Rs.200/- per lot <strong>of</strong> 100<br />

bales or part there<strong>of</strong><br />

In case <strong>of</strong> any dispute or difference arising out <strong>of</strong> or in relation to the contract,<br />

except any dispute regarding the quality <strong>of</strong> cotton which is specifically excluded under<br />

clause 2 <strong>of</strong> the terms <strong>and</strong> conditions, will be referred to an Arbitrator (other than an


6<br />

employee <strong>of</strong> the Seller) to be appointed by the Director (Marketing) or the Director<br />

(Finance) <strong>of</strong> the Seller <strong>and</strong> the decision <strong>of</strong> the arbitrator shall be final <strong>and</strong> binding upon<br />

the parties hereto. The Arbitration will be governed by the provisions <strong>of</strong> the Arbitration<br />

<strong>and</strong> Conciliation Act, 1996 or any statutory amendments or re-enactment there<strong>of</strong>.<br />

17. FORCE MAJEURE:<br />

a) Should any circumstance s beyond the control <strong>of</strong> the Seller such as natural<br />

calamity, strike, riot, elements, war, quarantine, fire or any act <strong>of</strong> circumstances<br />

<strong>of</strong> <strong>for</strong>ce majeure, the contract shall be reduced to the extent <strong>of</strong><br />

damage/destruction/shortfall arising due to the above causes. The Seller shall<br />

intimate quantum <strong>of</strong> such shortfall to the Buyer within 30 days. The Buyer<br />

hereby categorically agrees to such cancellation <strong>of</strong> shortfall quantity <strong>and</strong> shall<br />

neither have recourse to any action, legal or otherwise, nor dem<strong>and</strong> any<br />

compensation in respect there<strong>of</strong>.<br />

b) However, in respect <strong>of</strong> contracts where full payment is received in advance in<br />

the account <strong>of</strong> seller in respect <strong>of</strong> bales approved, the claim as settled by the<br />

insurance company on account <strong>of</strong> fire damages shall be passed on to the<br />

Buyer <strong>and</strong> balance quantity only shall be delivered<br />

18. POWER TO AMEND RULES<br />

The Corporation reserves its rights to amend, alter, modify or change any <strong>of</strong> the<br />

terms <strong>and</strong> conditions looking to the availability <strong>of</strong> stocks, credit worthiness <strong>and</strong> past<br />

per<strong>for</strong>mance <strong>of</strong> the Buyer etc.<br />

19. The duplicate copy <strong>of</strong> the contract duly signed by the Buyer be returned within 7<br />

days from the receipt <strong>of</strong> the contract in token <strong>of</strong> confirmation <strong>of</strong> all the terms <strong>and</strong><br />

conditions <strong>of</strong> the contract. If signed copy is not received within stipulated time, the<br />

contract shall be treated as accepted <strong>and</strong> confirmed by the Buyer.


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Ö) ú×£ÖŸÖ ¸üÖ×¿Ö úÖ ¯ÖÏŸµÖê ú ÃÖã¯Öã¤Ôü Öß êú ÃÖÖ£Ö †­Öã¯ÖÖ×ŸÖ ú ºþ¯Ö ÃÖê ÖÓ›ü 11 ´Öë ¤ü¿ÖÖÔ‡Ô †Ö¾Ö¿µÖ ú<br />

¸üÖ×¿Ö úÖê ¸ü ÖŸÖê Æãü‹ ÃÖ´ÖÖµÖÖê•Ö­Ö × úµÖÖ •ÖÖµÖê ÖÖ, ŸÖ£ÖÖ µÖפü úÖê‡Ô ú´Öß ÆüÖê Öß ŸÖÖê ‡ÃÖ úß ¯ÖæÙŸÖ<br />

‡ÃÖ ¯ÖÏ úÖ¸ü ÃÖê úß •ÖÖµÖê Öß × ú ×¾Ö×³Ö®Ö ´ÖÖÓ Ö¯Ö¡ÖÖë êú †¬Öß­Ö êú ×»Ö‹ ¿ÖêÂÖ ÃÖÓ×¾Ö¤üÖ ÖŸÖ ºþ‡Ô êú<br />

´Öæ»µÖ úÖ ----% ÃÖÓ¯Öæ ÖÔ ºþ‡Ô êú ˆšüÖ¾Ö ŸÖ ú ²Ö­ÖÖ ¸üÆêü ÖÖ …<br />

‘Ö) ÃÖã¯Öã¤Ôü Öß ¯Ö¸ü ÃÖ´ÖÖµÖÖê•Ö­Ö ÆüÖê­Öê ŸÖ ú •Ö´ÖÖ ¸üÖ×¿Ö úß ¾ÖÃÖæ»Öß úß ŸÖÖ¸üß Ö ÃÖê 8.0% ¯ÖÏ×ŸÖ ¾ÖÂÖÔ<br />

úß ¤ü¸ü ¯Ö¸ü ²µÖÖ•Ö »ÖÖ³Ö ˆšüÖµÖß ÖµÖß ÖÖÑšüÖë úß †Ö­Öã¯ÖÖ×ŸÖ ú •Ö´ÖÖ ¸üÖ×¿Ö ¯Ö¸ü פüµÖÖ •ÖÖµÖê ÖÖ …<br />

ŸÖ£ÖÖ×¯Ö 'ÃÖß' ±úÖ´ÖÔ êú ×¾Öºþ¨ü ¸ü Öß ÖµÖß •Ö´ÖÖ ¸üÖ×¿Ö êú ×»Ö‹ ÖÓ›ü ­ÖÓ.11 ´Öë ²ÖŸÖÖµÖê †¾Ö׬Ö<br />

êú ×»Ö‹ ²µÖÖ•Ö ³Öã ÖŸÖÖ­Ö µÖÖê µÖ ÆüÖê ÖÖ … ²µÖÖ•Ö úÖ Îêú×›üü Ö¸üߤü¤üÖ¸ü úÖê ´ÖÖÓ Ö¯Ö¡Ö êú ¯Öæ¸üß<br />

ÆüÖê­Öê êú ²ÖÖ¤ü פüµÖÖ •ÖÖµÖê ÖÖ …


2. ÃÖÓ×¾Ö¤üÖ ÖŸÖ ºþ‡Ô úÖ “ÖµÖ­Ö :<br />

2<br />

Ö¸üߤü¤üÖ¸ü µÖÖ ˆÃÖ úÖ ¯ÖÏןÖ×­Ö×¬Ö ‡ÃÖ ÃÖÓ×¾Ö¤üÖ êú †ÓŸÖ ÖÔŸÖ ¯ÖÏßÖÖ¾Ö úß ŸÖÖ¸üß Ö ÃÖê ŸÖß­Ö ×¤ü­Ö<br />

êú †Ó¤ü¸ü ºþ‡Ô úÖ “ÖµÖ­Ö ú¸êü ÖÖ, ŸÖ£ÖÖ×¯Ö µÖÆü “ÖµÖ­Ö ºþ‡Ô úß ÃÖã¯Öã¤Ôü Öß úß ŸÖÖ¸üß Ö ÃÖê ¯Öæ¾ÖÔ ÆüÖê ÖÖ …<br />

ÃÖßÃÖß†Ö‡Ô ×­Ö´­Ö×»Ö× ÖŸÖ ×¾Ö×­ÖÙ¤üÂü †¾Ö×¬Ö êú †Ó¤ü¸ü ÖÖÑšüÖë úÖ ¯ÖÏßÖÖ¾Ö ¤êü ÖÖ :-<br />

²Öê“Öß Ö‡Ô ´ÖÖ¡ÖÖ ¯ÖÏßÖÖ×¾ÖŸÖ †¾Ö׬Ö<br />

I. 1000 ÖÖÑšüÖë ÃÖê ú´Ö ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê 10 פü­Ö êú †Ó¤ü¸ü<br />

II. 1000 ÖÖÑšüÖêÓ ÃÖê 2999 ÖÖÑšüÖë ŸÖ ú ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê 15 פü­Ö êú †Ó¤ü¸ü<br />

III. 3000 ÖÖÑšêÓ ŸÖ£ÖÖ ˆÃÖÃÖê †×¬Ö ú ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê 20 פü­Ö êú †Ó¤ü¸ü<br />

µÖפü ×¾Ö×­ÖÙ¤üÂü †¾Ö×¬Ö ´Öë ÖÖÑšëü ¯ÖÏßÖÖ×¾ÖŸÖ ­ÖÆüà úß •ÖÖŸÖß ÆÓîü, ŸÖÖê †¯ÖÏßÖÖ×¾ÖŸÖ ´ÖÖ¡ÖÖ ¯Ö¸ü<br />

µÖ£ÖÖ­Öã¯ÖÖŸÖ †×ŸÖ׸üŒŸÖ ×­Ö:¿Öã» ú †¾Ö×¬Ö ¤üß •ÖÖ‹ Öß… ¯ÖÏßÖÖ×¾ÖŸÖ ´ÖÖ¡ÖÖ ÃÖÓ×¾Ö¤üÖ ÖŸÖ ´ÖÖ¡ÖÖ úÖ 120%<br />

ÆüÖê Öß, ŸÖÖ× ú Ö¸üߤü¤üÖ¸ü “ÖµÖ­Ö ¯Öæ¸üÖ ú¸ü ÃÖ êú… ÃÖÓ×¾Ö¤üÖ ÖŸÖ ´ÖÖ¡ÖÖ êú ­µÖæ­ÖŸÖ´Ö 90% úÖ “ÖµÖ­Ö ŸÖ£ÖÖ<br />

†­Öã´ÖÖê¤ü­Ö ÆüÖê­ÖÖ “ÖÖ×Æü‹… Ö¸üߤü¤üÖ¸ü µÖÖ ˆÃÖ êú ¯ÖÏÖ×¬Ö éúŸÖ ¯ÖÏןÖ×­Ö×¬Ö úÖê “ÖµÖ­Ö ¯Öæ¸üÖ ú¸ü­Öê ÃÖê ¯Öæ¾ÖÔ<br />

†¯Ö­Öê †Ö¯Ö úÖê ¯Öæ ÖÔŸÖ: ÃÖÓŸÖãÂü ú¸ü­ÖÖ “ÖÖ×Æü‹ … פü ¤üÙ¿ÖŸÖ Öã Ö¾Ö¢ÖÖ ´ÖÖ­Ö¤Óü›üÖë êú †­ÖãÃÖÖ¸ü ‹ ú ²ÖÖ¸ü<br />

× úµÖÖ ÖµÖÖ “ÖµÖ­Ö †Ó×ŸÖ´Ö ÆüÖê ÖÖ ŸÖ£ÖÖ “ÖµÖ×­ÖŸÖ ºþ‡Ô úß Öã Ö¾Ö¢ÖÖ êú ÃÖÓ²ÖÓ¬Ö ´Öë × úÃÖß ¯ÖÏ úÖ¸ü êú ×¾Ö¾ÖÖ¤ü<br />

¯Ö¸ü ×¾Ö“ÖÖ¸ü ­ÖÆüà × úµÖÖ •ÖÖ‹ ÖÖ …<br />

¯ÖÏßÖÖ¾Ö ú¸ü­Öê úß ŸÖÖ¸üß Ö ÃÖê Ö¸üߤü¤üÖ¸ü «üÖ¸üÖ †×¬Ö úŸÖ´Ö 10 פü­Ö êú †Ó¤ü¸ü “ÖµÖ­Ö ¯Öæ¸üÖ ­Ö<br />

ú¸ü­Öê úß ÛãÖ×ŸÖ ´Öë ×¾Ö ÎêúŸÖÖ úÖê †Ö­Öã¯ÖÖ×ŸÖ ú •Ö´ÖÖ ¸üÖ×¿Ö úÖê •Ö²ŸÖ ú¸ü­Öê ŸÖ£ÖÖ ÃÖÓ×¾Ö¤üÖ úÖê ײ֭ÖÖ<br />

†­Öã´ÖÖê¤ü­Ö úß ´ÖÖ¡ÖÖ úß ÃÖß´ÖÖ ŸÖ ú ¸ü§ü ú¸ü­Öê úÖ ×¾Ö ú»¯Ö ÆüÖê ÖÖ …<br />

3. ×­Ö:¿Öã» ú †¾Ö×¬Ö :<br />

Ö¸üߤü¤üÖ¸ úß ÁÖê Öß ×²Ö Îúß úÖ ¯ÖÏ úÖ¸ü ´ÖÖ¡ÖÖ ×­Ö:¿Öã» ú †¾Ö׬Ö<br />

1. ºþ‡Ô ¾µÖÖ¯ÖÖ׸üµÖÖÑ i) ‡Ô-†ÖòŒ¿Ö­Ö 999 ÖÖÑšüÖë ŸÖ ú ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê 15<br />

ii) ‡Ô-†ÖòŒ¿Ö­Ö 1000 ÖÖÑšüÖêÓ ÃÖê<br />

2999 ÖÖÑšüÖë ŸÖ ú<br />

iii) ‡Ô-†ÖòŒ¿Ö­Ö 3000 ÖÖÑšêÓ ŸÖ£ÖÖ<br />

ˆÃÖÃÖê †×¬Ö ú<br />

פü­Ö<br />

ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê 30<br />

פü­Ö<br />

ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê 45<br />

פü­Ö<br />

Ö¸üߤü¤üÖ¸ü úÖê ¾ÖÖßÖ×¾Ö ú †­Öã´ÖÖêפüŸÖ ´ÖÖ¡ÖÖ êú †Ö¬ÖÖ¸ü ¯Ö¸ü ×­Ö¿Öã» ú ÃÖã¯Öã¤Ôü Öß †¾Ö×¬Ö úß<br />

¯ÖÖ¡ÖŸÖÖ ÆüÖê Öß …<br />

4. ú¸ü ¯ÖÏÖ×¬Ö úÖ׸üµÖÖë êú ÃÖÖ£Ö ¯ÖÓ•Öß ú¸ü Ö :<br />

Ö¸üߤü¤üÖ¸ü ×²Ö Îúß ú¸ü †Öî¸ü †ÖµÖ ú¸ü ¯ÖÏÖ×¬Ö úÖ׸üµÖÖë êú ÃÖÖ£Ö ‹ ú ¯ÖÓ•Öß éúŸÖ ¾µÖÖ¯ÖÖ¸üß ÆüÖê­ÖÖ<br />

“ÖÖ×Æü‹ ŸÖ£ÖÖ ˆÃÖê †Ö¾Ö¿µÖ ú ¾Öîü/ ×²Ö Îúß ú¸ü ¯ÖÓ•Öß ú¸ü Ö ÃÖÓ µÖÖ, ¯Öî­Ö †Öî¸ü ±ú´ÖÔ úÖ ÃÖê¾ÖÖ ú¸ü ­ÖÓ²Ö¸ü<br />

×­Ö Ö´Ö úÖê ˆ¯Ö»Ö²¬Ö ú¸üÖ­ÖÖ “ÖÖ×Æü‹ …<br />

5. üÖ‡Ô¯Ö ÃÖï¯Ö»Ö :<br />

µÖפ úÖê‡Ôü Ö¸üߤü¤üÖ¸ü ×­Ö Ö´Ö «üÖ¸üÖ × úÃÖß ¿ÖÖ ÖÖ êú †¬Öß­Ö Ö¸üߤüß •ÖÖ ¸üÆüß × úÃÖß × úôÖ/<br />

ÖÏê›ü úÖ üÖ‡Ô¯Ö ÃÖï¯Ö»Ö »Öê­ÖÖ “ÖÖÆüŸÖÖ Æîü, ŸÖÖê ¾ÖÆü ³Öã ÖŸÖÖ­Ö êú †Ö¬ÖÖ¸ü ¯Ö¸ü ˆÃÖê ˆ¯Ö»Ö²¬Ö ú¸üÖµÖÖ •ÖÖµÖê ÖÖ<br />

†Öî¸ü Ö¸üߤü¤üÖ¸ü úÖê ‹êÃÖê ÃÖï¯Ö»Ö ¯ÖÏÖ¯ŸÖ ú¸ü­Öê êú ×»Ö‹ ×­Ö Ö´Ö úß ÃÖÓ²ÖÓ×¬ÖŸÖ ¿ÖÖ ÖÖ úÖê 90/- ºþ. ¯ÖÏןÖ<br />

× ú. ÖÏÖ. úß ¤ü¸ü ÃÖê ­Ö ú¤ü /×›ü´ÖÖÓ›ü ›ÒüÖ°ü «üÖ¸üÖ ³Öã ÖŸÖÖ­Ö ú¸ü­ÖÖ ÆüÖê ÖÖ …


6. ÃÖÓ×¾Ö¤üÖ ÖŸÖ ´ÖÖ¡ÖÖ úÖ ²Öß•Ö ú :<br />

3<br />

ÃÖÓ×¾Ö¤üÖ ÖŸÖ ´ÖÖ¡ÖÖ úÖ ²Öß•Ö ú ´Öæ»Ö Ö¸üߤü¤üÖ¸ü µÖÖ­Öß ºþ‡Ô ¾µÖÖ¯ÖÖ¸üß êú ­ÖÖ´Ö ¯Ö¸ü ²Ö­ÖÖµÖÖ<br />

•ÖÖµÖê ÖÖ … ×­Ö Ö´Ö úÖê ú¸ü ¯ÖϵÖÖê•Ö­Ö êú ×»Ö‹ "ÃÖß" ±úÖ´ÖÔ µÖÖ †­µÖ ÃÖÓ ÖŸÖ ±úÖ´ÖÔ ˆÃÖ ¾µÖÖ¯ÖÖ¸üß «üÖ¸üÖ<br />

פüµÖÖ •ÖÖµÖê ÖÖ, •ÖÖê ÖÖÑšüÖë úß Ö¸üߤü úÖ ¯ÖÏßÖÖ¾Ö ¤êüŸÖÖ Æîü …<br />

7. ŸÖã»ÖÖ‡Ô, ÃÖã¯Öã¤Ôü Öß †Öî¸ü ³Öã ÖŸÖÖ­Ö úß ¿ÖŸÖí :<br />

ú) Ö¸üߤü¤üÖ¸ü, ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê ------ פü­ÖÖë ´Öë ºþ‡Ô ´Öæ»µÖ ŸÖ£ÖÖ ú¸ü êú ÃÖÓ¯Öæ ÖÔ ³Öã ÖŸÖÖ­Ö<br />

êú ÃÖÖ´Ö­Öê ÃÖÓ×¾Ö¤üÖ ÖŸÖ ºþ‡Ô úß ÃÖã¯Öã¤Ôü Öß »Öê­Öê êú ×»Ö‹ ×­Ö:¿Öã» ú ÃÖã¯Öã¤Ôü Öß †¾Ö×¬Ö úÖ Æü ú¤üÖ¸ü<br />

ÆüÖê ÖÖ …<br />

õÖ) Ö¸üߤü¤üÖ¸ü êú ¯ÖÏןÖ×­Ö×¬Ö /×­ÖµÖÓ¡Ö ú úß ˆ¯ÖÛãÖ×ŸÖ ´Öë ÃÖã¯Öã¤Ôü Öß êú ÃÖ´ÖµÖ Ã¯ÖÖòü ¯Ö¸ü ÖÖÑšüÖë úß<br />

100% ŸÖã»ÖÖ‡Ô úß •ÖÖµÖê Öß †Öî¸ü ‡ÃÖ ¯ÖÏ úÖ¸ü úß ŸÖã»ÖÖ‡Ô †Ó×ŸÖ´Ö ‹¾ÖÓ ²ÖÖ¬µÖ úÖ¸üß ÆüÖê Öß …<br />

Ö¸üߤü¤üÖ¸ü «üÖ¸üÖ †× ÖÏ´Ö ³Öã ÖŸÖÖ­Ö úß ÛãÖ×ŸÖ ´Öë, 48 ïú›üß•Ö ¯ÖÏ×ŸÖ 100 ÖÖšüÖë úß ¤ü¸ü ¯Ö¸ü<br />

× Ö­Öê Ö‹ ¾Ö•Ö­Ö êú †Ö¬ÖÖ¸ü ¯Ö¸ü ³Öã ÖŸÖÖ­Ö ²Ö­ÖÖµÖÖ •ÖÖµÖê ÖÖ … ÃÖ³Öß ¯ÖÏ úÖ¸ü úß ×²Ö Îúß Ã¯ÖÖòü<br />

†Ö¬ÖÖ¸ü ¯Ö¸ü ÆüÖê Öß ŸÖ£ÖÖ ¾Ö•Ö­Ö êú ²ÖÖ¤ü êú Ö“ÖÔ Ö¸üߤü¤üÖ¸ü êú ÖÖŸÖê ¯Ö¸ü ÆüÖë Öê …<br />

Ö) Ö¸üߤü¤üÖ¸ü «üÖ¸üÖ ÃÖ³Öß ¯ÖÏ úÖ¸ü úÖ ³Öã ÖŸÖÖ­Ö ×­Ö Ö´Ö êú ¯Ö Ö ´Öë †ÖÆü׸üŸÖ êú¾Ö»Ö ÎúÖÛü<br />

†ò úÖ‰Óúü ¯ÖêµÖß ×›ü´ÖÖÓ›ü ›ÒüÖ°ü, ¯Öê-†Ö›Ôü¸ü, ²Öï úÃÖÔ “Öî ú «üÖ¸üÖ µÖÖ ‡»ÖêŒÒüÖ×­Ö ú ±Óú›ü ÒüÖÓÃÖ±ú¸ü<br />

êú ´ÖÖ¬µÖ´Ö «üÖ¸üÖ Æüß ×­Ö Ö´Ö êú ²Öï ú ÖÖŸÖêü ´Öë × úµÖÖ •ÖÖµÖê ÖÖ … “Öî ú «üÖ¸üÖ µÖÖ ‡»ÖêŒÒüÖ×­Ö ú<br />

±Óú›ü ÒüÖÓÃÖ±ú¸ êú ´ÖÖ¬µÖ´Ö ÃÖê ³Öã ÖŸÖÖ­Ö êú ´ÖÖ´Ö»Öê ´Öë ×¾Ö ÎêúŸÖÖ êú ÖÖŸÖê ´Öë ³Öã ÖŸÖÖ­Ö úß ¸üÖ׿Ö<br />

•Ö´ÖÖ ÆüÖê­Öê úß ¯ÖãÛÂü êú ¯Ö¿“ÖÖŸÖ Æüß ÃÖã¯Öã¤Ôü Öß ú¸ü­Öê úß †­Öã´Ö×ŸÖ ¤üß •ÖÖµÖê Öß…<br />

‘Ö) Ö¸üߤü¤üÖ¸ü ÃÖÓ×¾Ö¤üÖ úß ŸÖÖ¸üß Ö ÃÖê ×­Ö¬ÖÖÔ׸üŸÖ ×­Ö¿ÖËã» ú †¾Ö×¬Ö ´Öë ³Öã ÖŸÖÖ­Ö ú¸êü ÖÖ ŸÖ£ÖÖ ÖÖòšüÖë<br />

úß ÃÖã¯Öã¤Ôü Öß »Öê ÖÖ … µÖפü ‹êÃÖÖ ú¸ü­Öê ´Öë Ö¸üߤü¤üÖ¸ü †ÃÖ±ú»Ö ¸üÆüŸÖÖ Æîü ŸÖÖê ÃÖÓ×¾Ö¤üÖ ¸ü§ü ÆüÖê<br />

•ÖÖ‹ Öß ŸÖ£ÖÖ ÃÖÓ¯Öæ ÖÔ •Ö´ÖÖ ¸üÖ×¿Ö •Ö²ŸÖ úß •ÖÖ‹ Öß … “Öæ ú ÆüÖê­Öê úß ÛãÖ×ŸÖ ´Öë ×¾Ö ÎêúŸÖÖ †¯Ö­Öß<br />

ÃÖã×¾Ö¬ÖÖ êú †­ÖãÃÖÖ¸ü, × úÃÖß ³Öß ÃÖ´ÖµÖ ºþ‡Ô úß ¯Öã­Ö: ×²Ö Îúß ú¸ü ÃÖ úŸÖÖ Æîü ŸÖ£ÖÖ Ö¸üߤü¤üÖ¸ü<br />

ÃÖê ‡ÃÖ ¯ÖÏ úÖ¸ü úß ¯Öã­Ö: ×²Ö Îúß ¯Ö¸ü Æãü‡Ô ÆüÖ×­Ö/ Ö×ŸÖ úß ¾ÖÃÖæ»Öß ú¸ü ÃÖ úŸÖÖ Æîü …<br />

8. ºþ‡Ô úÖ ¸ü Ö¸ü ÖÖ¾Ö :<br />

‰ú¯Ö¸ü ²ÖŸÖÖµÖê ÖµÖê ¯ÖÏÖ¾Ö¬ÖÖ­ÖÖë êú ÆüÖêŸÖê Æãü‹ ³Öß, ×¾Ö ÎêúŸÖÖ Ö¸üߤü¤üÖ¸ü úß †Öê¸ü ÃÖê ×­Ö:¿Öã» ú<br />

ÃÖã¯Öã¤Ôü Öß †¾Ö×¬Ö êú †Ö Öê ºþ‡Ô úÖ ¸ü Ö¸ü ÖÖ¾Ö ú¸ü ÃÖ úŸÖÖ Æîü †£Ö¾ÖÖ ºþ‡Ô ¸üÖê ú ÃÖ úŸÖÖ Æîü,<br />

²Ö¿ÖŸÖì × ú Ö¸üߤü¤üÖ¸ü ×­Ö´­Ö×»Ö× ÖŸÖ ¿ÖŸÖÖì úÖ †­Öã¯ÖÖ»Ö­Ö ú¸ëü :<br />

ú) Ö¸üߤü¤üÖ¸ü ×¾Ö ÎêúŸÖÖ úÖê ×»Ö× ÖŸÖ ºþ¯Ö ´Öë ×­Ö:¿Öã» ú ÃÖã¯Öã¤Ôü Öß †¾Ö×¬Ö ÃÖ´ÖÖ¯ŸÖ ÆüÖê­Öê êú ²ÖÖ¤ü<br />

ˆÃÖ úß †Öê¸ü ÃÖê ºþ‡Ô ¸ü Ö­Öê úÖ †­Öã¸üÖê¬Ö ú¸êü ÖÖ ŸÖ£ÖÖ ­Ö ˆšüÖ‡Ô Ö‡Ô ¿ÖêÂÖ ´ÖÖ¡ÖÖ êú ×»Ö‹ ÖÖÑšëü<br />

ˆšüÖ­Öê úß ÃÖ´ÖµÖ ÃÖÖ¸ü Öß ¤êü ÖÖ, •ÖÖê ×´Ö»Ö Ö¸üߤü¤üÖ¸ü êú ×»Ö‹ ×­Ö¿Öã» ú †¾Ö×¬Ö úß ÃÖ´ÖÖÛ¯ŸÖ<br />

êú ²ÖÖ¤ü †×¬Ö úŸÖ´Ö 30 פü­Ö úß †¾Ö×¬Ö êú †Ó¤ü¸ü ÆüÖê ÖÖ … Ö¸üߤü¤üÖ¸ü úÖê ÃÖÓ×¾Ö¤üÖ êú<br />

†ÓŸÖ ÖÔŸÖ ¤üß Ö‡Ô †­Öã´Ö×ŸÖ êú †­ÖãÃÖÖ¸ü ºþ‡Ô êú ¸ü Ö¸ü ÖÖ¾Ö êú ×»Ö‹ ´ÖÖÓ Öß ÖµÖß †¾Ö׬Ö<br />

êú ×»Ö‹ ×¾Ö×­ÖÙ¤üÂü ¤ü¸ü ¯Ö¸ü ­Ö ˆšüÖµÖß ÖµÖß ´ÖÖ¡ÖÖ êú ×»Ö‹ †× ÖÏ´Ö ¸ü Ö¸ü ÖÖ¾Ö ¯ÖϳÖÖ¸ü ³Öß<br />

•Ö´ÖÖ ú¸ü­ÖÖ ÆüÖê ÖÖ …<br />

Ö) ¸ü Ö-¸ü ÖÖ¾Ö ¯ÖϳÖÖ¸ü úß ¤ü¸ü ­Öß“Öê ²ÖŸÖÖµÖê †­ÖãÃÖÖ¸ü ÆüÖê Öß :<br />

¯ÖÆü»Öê 30 פü­ÖÖë ŸÖ ú 30 פü­ÖÖë êú ¯ÖÏŸµÖê ú ´ÖÖÆü êú ×»Ö‹ @1.40% ŸÖ£ÖÖ ˆÃÖ êú ¯Ö¿“ÖÖŸÖË<br />

30 פü­ÖÖë êú ¯ÖÏŸµÖê ú ´ÖÖÆü êú ×»Ö‹ ÃÖã¯Öã¤Ôü Öß ŸÖ ú @1.60% úß ¤ü¸ü ÃÖê ÆüÖê Öß …


4<br />

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úß •ÖÖ­Öê ¾ÖÖ»Öß ÖÖÑšüÖë úÖ ¯Öæ¸üÖ ³Öã ÖŸÖÖ­Ö ¯ÖÏÖ¯ŸÖ ­ÖÆüà ÆüÖêŸÖÖ Æîü, ŸÖ²Ö ŸÖ ú ‰ú¯Ö¸ü ú×£ÖŸÖ ¤ü¸ü êú<br />

†­ÖãÃÖÖ¸ü ¸ü Ö¸ü ÖÖ¾Ö ¯ÖϳÖÖ¸ü ×»ÖµÖÖ •ÖÖ‹ ÖÖ …<br />

Ö) ˆ¯ÖµÖãÔŒŸÖ ¿ÖŸÖÖÔêÓ êú ÆüÖêŸÖê Æãü‹ ŸÖ£ÖÖ ˆÃÖ ¯Ö¸ü ¯Öæ¾ÖÖÔ ÖÏÆü êú ײ֭ÖÖ, ×¾Ö ÎêúŸÖÖ Ö¸üߤü¤üÖ¸ü úß †Öê¸ü ÃÖê<br />

ÃÖÓ¯Öæ ÖÔ ºþ‡Ô µÖÖ ˆÃÖ úÖ ãú”û ³ÖÖ Ö ×­Ö:¿Öã» ú †¾Ö׬Öü úß ÃÖ´ÖÖÛ¯ŸÖ êú ²ÖÖ¤ü †×¬Ö úŸÖ´Ö 30<br />

פü­Ö êú ×»Ö‹ †£Ö¾ÖÖ †Ö Öê ×¾ÖßÖÖ׸üŸÖ †¾Ö×¬Ö •ÖîÃÖÖ ³Öß ´ÖÖ´Ö»ÖÖ ÆüÖê ¯Öæ ÖÔŸÖ: ×¾Ö ÎêúŸÖÖ êú<br />

þֵÖÓ×¾Ö¾Öê ú ¯Ö¸ü ¸ü Ö ÃÖ úŸÖÖ Æîü … Ö¸üߤü¤üÖ¸ü úÖê ºþ‡Ô úß ´Öæ»µÖ ¸üÖ×¿Ö ŸÖ£ÖÖ ×¾ÖßÖÖ׸üŸÖ †¾Ö׬Ö<br />

êú ¸ü Ö-¸ü ÖÖ¾Ö ¯ÖϳÖÖ¸ü úß ¸üÖ×¿Ö úÖ ¯Öæ¸üÖ ³Öã ÖŸÖÖ­Ö ú¸ü­ÖÖ ÆüÖê ÖÖ … µÖפü ³Öã ÖŸÖÖ­Ö ­ÖÆüà × úµÖÖ<br />

•ÖÖŸÖÖ Æîü †Öî¸ü ÃÖã¯Öã¤Ôü Öß †×¬Ö úŸÖ´Ö †­Öã´ÖŸµÖ 30 פü­Ö úß †¾Ö×¬Ö µÖÖ ×¾ÖßÖÖ׸üŸÖ †¾Ö×¬Ö êú<br />

†ÓŸÖ ÖÔŸÖ ­ÖÆüà »Öß •ÖÖŸÖß Æîü, ŸÖÖê ×¾Ö ÎêúŸÖÖ úÖê †×¬Ö úÖ¸ü Æîü × ú ‡ÃÖ ¯ÖÏ úÖ¸ü úß ×›ü¯ÖÖòוÖüü<br />

/†× ÖÏ´Ö ¸üÖ׿Ö, וÖÃÖ´Öë ¸ü Ö-¸ü ÖÖ¾Ö ¯ÖϳÖÖ¸ü úß ¸üÖ×¿Ö ¿ÖÖ×´Ö»Ö Æîü, µÖפü úÖê‡Ô Æîü, úÖê •Ö²ŸÖ<br />

ú¸ü »Öê …<br />

‘Ö) “Öæ ú ÆüÖê­Öê úß ÛãÖ×ŸÖ ´Öë ×¾Ö ÎêúŸÖÖ †¯Ö­Öß ÃÖã×¾Ö¬ÖÖ êú †­ÖãÃÖÖ¸ü, × úÃÖß ³Öß ÃÖ´ÖµÖ ºþ‡Ô úß ¯Öã­Ö:<br />

×²Ö Îúß ú¸ü ÃÖ úŸÖÖ Æîü ŸÖ£ÖÖ Ö¸üߤü¤üÖ¸ü ÃÖê ‡ÃÖ ¯ÖÏ úÖ¸ü úß ¯Öã­Ö: ×²Ö Îúß ¯Ö¸ü Æãü‡Ô ÆüÖ×­Ö/ Ö×ŸÖ úß<br />

¾ÖÃÖæ»Öß ú¸ü ÃÖ úŸÖÖ Æîü, וÖÃÖ´Öë ´Öæ»µÖ †ÓŸÖ¸ü, ¸ü Ö-¸ü ÖÖ¾Ö ¯ÖϳÖÖ¸ü †Öî¸ü ²µÖÖ•Ö ¿ÖÖ×´Ö»Ö ÆîüÓ …<br />

‡ÃÖ ÃÖÓ×¾Ö¤üÖ êú †ÓŸÖ ÖÔŸÖ ÃÖÓ×¾Ö¤üÖ úÖê ³ÖÓ Ö ú¸ü­Öê êú ²ÖÖ¸êü ´Öë ¯ÖÏÖ¾Ö¬ÖÖ­Ö Ã¾ÖŸÖ: ˆ¨éüŸÖ †Öî¸ü<br />

¯Ö׸ü“ÖÖ×»ÖŸÖ ÆüÖêÓ Öê, וÖÃÖ êú ×»Ö‹ ×¾Ö ÎêúŸÖÖ «üÖ¸üÖ Ö¸üߤü¤üÖ¸ü úÖê úÖê‡Ô ÃÖæ“Ö­ÖÖ ¤êü­Öê úß<br />

†Ö¾Ö¿µÖ úŸÖÖ ­ÖÆüà Æîü …<br />

’û) •Ö²Ö ŸÖ ú ¯Öã­Ö: ×²Ö Îúß ¯Ö¸ü ‡ÃÖ ÃÖÓ×¾Ö¤üÖ êú †ÓŸÖ ÖÔŸÖ Æãü‡Ô ÆüÖ×­Ö úß ³Ö¸ü¯ÖÖµÖß ­ÖÆüà ÆüÖê •ÖÖŸÖß<br />

Æîü ŸÖ²Ö ŸÖ ú Ö¸üߤü¤üÖ¸ü êú ÃÖÖ£Ö ¾µÖÖ¾ÖÃÖÖ×µÖ ú ÃÖÖî¤üê ¯ÖÏןֲÖÓ×¬ÖŸÖ ¸üÆëü Öê …<br />

9. ¤êü¸ü ÃÖê ˆšüÖ­Öê ¯Ö¸ü ¯ÖϳÖÖ¸ü :<br />

µÖפü ‡ÃÖ ÃÖÓ×¾Ö¤üÖ êú †ÓŸÖ ÖÔŸÖ ²Öê“Öß ÖµÖß ºþ‡Ô êú ´Öæ»µÖ êú ³Öã ÖŸÖÖ­Ö êú ¯Ö¿“ÖÖŸÖË Ö¸üߤü¤üÖ¸ü<br />

³Öã ÖŸÖÖ­Ö ú¸ü­Öê úß ŸÖÖ¸üß Ö ÃÖê 15 פü­Ö êú †Ó¤ü¸ü ºþ‡Ô úß ÃÖã¯Öã¤Ôü Öß ­ÖÆüà »ÖêŸÖÖ Æîü,ü ŸÖÖê Ö¸üߤü¤üÖ¸ü úÖê<br />

16¾Öë פü­Ö ÃÖê 30 פü­ÖÖêÓ êú ¯ÖÏŸµÖê ú ´ÖÖÆü êú ×»Ö‹ 0.50% úß ¤ü¸ü ¯Ö¸ü ‡ÃÖ ¯ÖÏ úÖ¸ü êú ­Ö ˆšüÖµÖê<br />

ÖµÖê ÃüÖò ú êú ×»Ö‹ ÃÖã¯Öã¤Ôü Öß »Öê­Öê ŸÖ ú, ¤üê¸ü ÃÖê ˆšüÖ­Öê úÖ ¯ÖϳÖÖ¸ü ¤êü­ÖÖ ÆüÖê ÖÖ, ú¯ÖÖÃÖ Ö¸üߤü¤üÖ¸ü êú<br />

•ÖÖê× Ö´Ö †Öî¸ü ¤êüµÖŸÖÖ ¯Ö¸ü ¸üÆêü Öß …<br />

10. ÃÖ´ÖµÖ ¯Öæ¾ÖÔ ³Öã ÖŸÖÖ­Ö ú¸ü­Öê êú ×»Ö‹ ­Ö ú¤ü ”æûü :<br />

Ö¸üߤü¤üÖ¸ü 9.5% ¯ÖÏ×ŸÖ ¾ÖÂÖÔ úß ¤ü¸ü ÃÖê ˆ¯ÖµÖÖê Ö ­Ö úß ÖµÖß ×­Ö:¿Öã» ú †¾Ö×¬Ö êú ×»Ö‹<br />

†­Öã¯ÖÖ×ŸÖ ú †Ö¬ÖÖ¸ü ¯Ö¸ü ­Ö ú¤ü ”æûü ¯ÖÏÖ¯ŸÖ ú¸ü­Öê úÖ ¯ÖÖ¡Ö ÆüÖê ÖÖ, µÖÖ×­Ö ÃÖÓ×¾Ö¤üÖ úß ¿ÖŸÖÖí êú †­ÖãÃÖÖ¸ü<br />

†¯Öê× ÖŸÖ ÃÖê ¯Öæ¾ÖÔ ¯ÖÏÖ¯ŸÖ ³Öã ÖŸÖÖ­Ö êú פü­ÖÖë úß ÃÖÓ µÖÖ êú ×»Ö‹ …<br />

µÖפü ‹»Ö/ÃÖß ŸÖ£ÖÖ ²Öß/•Öß êú †ÓŸÖ ÖÔŸÖ ÃÖã¯Öã¤Ôü Öß ¤üß •ÖÖŸÖß Æîü, ŸÖÖê ³Öã ÖŸÖÖ­Ö úß ŸÖÖ¸üß Ö ÃÖê<br />

ˆ¯ÖµÖÖê Ö ´Öë ­Ö »ÖÖµÖß ÖµÖß †¾Ö×¬Ö êú ×»Ö‹ 7.5% úß ¾ÖÖÙÂÖ ú ¤ü¸ü ÃÖê †­Öã¯ÖÖ×ŸÖ ú †Ö¬ÖÖ¸ü ¯Ö¸ü ”æûü úß<br />

†­Öã´Ö×ŸÖ ×­Ö Ö´Ö «üÖ¸üÖ ×­Ö´­Ö×»Ö× ÖŸÖ ¿ÖŸÖÖí êú †¬Öß­Ö ¤üß •ÖÖµÖê Öß :-<br />

ú) Ö¸üߤü¤üÖ¸ü × úÃÖß †­ÖãÃÖæ×“ÖŸÖ ²Öï ú (ÃÖÆü úÖ¸üß ²Öï ú úÖê ”ûÖê›Íü ú¸ü) êú ÃÖÖ£Ö ÃÖÖ Ö¯Ö¡Ö<br />

ÖÖê»Öê ÖÖ … ×­Ö Ö´Ö úÖê ÃÖÖ Ö¯Ö¡Ö êú †¬Öß­Ö ÃÖã¯Öã¤Ôü Öß Ã¾Öß úÖ¸ü ú¸ü­ÖÖ µÖÖ<br />

†Ã¾Öß úÖ¸ü ú¸ü­Öê úÖ †×¬Ö úÖ¸ü Æîü …<br />

Ö) Ö¸üߤü¤üÖ¸ü êú †­Öã¸üÖê¬Ö ¯Ö¸ü ŸÖ£ÖÖ "†ÖÆü¸ü Ö úŸÖÖÔ úÖê ׸ü úÖêÃÖÔ êú ײ֭ÖÖ" ÃÖÖ Ö-¯Ö¡Ö<br />

úß ×›üà úÖ‰ÓúØü Ö úß •ÖÖ‹ Öß …


5<br />

Ö) ×›üà úÖ‰ÓúØü Ö ˆÃÖ ²Öï ú ´Öë úß •ÖÖµÖê Öß, וÖÃÖê Ö¸üߤü¤üÖ¸ü ­Öê “Öã­ÖÖ Æîü †Öî¸ü וÖÃÖ êú<br />

×»Ö‹ ˆÃÖ­Öê ÃÖÆü´Ö×ŸÖ ¤üß Æîü …<br />

‘Ö) ÃÖÖ Ö-¯Ö¡Ö úß ×›üà úÖ‰ÓúØü Ö ÃÖê ÃÖÓ²ÖÓ×¬ÖŸÖ ÃÖ³Öß ¯ÖÏ úÖ¸ü êú Ö“ÖÔ úÖê Ö¸üߤü¤üÖ¸ü «üÖ¸üÖ<br />

¾ÖÆü­Ö × úµÖÖ •ÖÖµÖê ÖÖü …<br />

11. ×²Ö Îúß ú¸ü /¾ÖÖæ ‹ò›êü›ü îüŒÃÖ (¾Öîü):<br />

Ö¸üߤü¤üÖ¸ü ºþ‡Ô êú ´Öæ»µÖ ¯Ö¸ü ÃÖã¯Öã¤Ôü Öß »Öê­Öê úß ŸÖÖ¸üß Ö ¯Ö¸ü ×¾Ö ÎúµÖ ú¸ü/¾Öîü úÖ ³Öã ÖŸÖÖ­Ö<br />

ú¸êü ÖÖ … ÃÖÓ ÖŸÖ ×²Ö Îúß ú¸ü †×¬Ö×­ÖµÖ´Ö êú †¬Öß­Ö ¯ÖÓ•Öß éúŸÖ Ö¸üߤü¤üÖ¸ü úÖê, ןִÖÖÆüß úß ÃÖ´ÖÖÛ¯ŸÖ êú<br />

²ÖÖ¤ü, וÖÃÖ´Öë ÃÖã¯Öæ¤Ôü Öß »Öß Ö‡Ô Æîü, 60 פü­Ö êú †Ó¤ü¸ü †Ö¾Ö¿µÖ ú "ÃÖß" ±úÖ´ÖÔÃÖ /‘ÖÖêÂÖ ÖÖ ±úÖ´ÖÔÃÖ úÖê<br />

¯ÖÏßÖãŸÖ ú¸ü­ÖÖ ÆüÖê ÖÖ … (µÖפü ÃÖß‹ÃÖüß †×¬Ö×­ÖµÖ´Ö /×­ÖµÖ´ÖÖ¾Ö»Öß ´Öë úÖê‡Ô ¯Ö׸ü¾ÖŸÖÔ­Ö ÆüÖêŸÖÖ Æîü, ŸÖÖê<br />

ˆÃÖ êú †¬Öß­Ö) "ÃÖß" ±úÖ´ÖÔÃÖ /‘ÖÖêÂÖ ÖÖ ±úÖ´ÖÔÃÖ ¯ÖÏÖ¯ŸÖ ÆüÖê­Öê êú ÃÖ´ÖµÖ ŸÖ ú Ö¸üߤü¤üÖ¸ü ÃÖê ¯ÖÏÖ¯ŸÖ •Ö´ÖÖ<br />

¸üÖ×¿Ö ´Öë ÃÖê 2%/3% ¸üÖê ú­Öê úÖ ×¾Ö ÎêúŸÖÖ úÖ †×¬Ö úÖ¸ü ÆüÖê ÖÖ… µÖפü "ÃÖß" ±úÖ´ÖÔÃÖ ×­Ö¬ÖÖÔ׸üŸÖ ÃÖ´ÖµÖ<br />

´Öë ¯ÖÏßÖãŸÖ ­ÖÆüà × úµÖê •ÖÖŸÖê Æïü, ŸÖÖê "ÃÖß" ±úÖ´ÖÔÃÖ úß ×¾Ö»ÖÓ×²ÖŸÖ †¾Ö×¬Ö êú ×»Ö‹ ¸üÖê úß ÖµÖß •Ö´ÖÖ ¸üÖ׿Ö<br />

¯Ö¸ü úÖê‡Ô ²µÖÖ•Ö ­ÖÆüà פüµÖÖ •ÖÖµÖê ÖÖ …<br />

12. ²µÖÖ•Ö :<br />

ÃÖÖ Ö-¯Ö¡Ö †£Ö¾ÖÖ ²Öï ú ÖÖò¸Óüüß êú ÃÖÖ´Ö­Öê ²µÖÖ•Ö ¤ü¸ü 15% ¯ÖÏ×ŸÖ ¾ÖÂÖÔ ´ÖÖ×ÃÖ ú ¸êüÃü †Ö¬ÖÖ¸ü<br />

¯Ö¸ü ÆüÖê Öß …<br />

13. ²µÖÖ•Ö úß ¤üÖÓ×›ü ú ¤ü¸ü :<br />

ÃÖÖ Ö-¯Ö¡Ö †£Ö¾ÖÖ ²Öï ú ÖÖò¸Óüüß êú †ÓŸÖ ÖÔŸÖ ¤êüµÖ ŸÖÖ¸üß Ö úÖê, ²Öï ú ÃÖê ³Öã ÖŸÖÖ­Ö ¯ÖÏÖ¯ŸÖ ­Ö ÆüÖê­Öê<br />

êú ´ÖÖ´Ö»Öê ´Öë, ´ÖÖ×ÃÖ ú ¸êüÃü †Ö¬ÖÖ¸ü ¯Ö¸ü 17% ¯ÖÏ×ŸÖ ¾ÖÂÖÔ úß ¤ü¸ü ÃÖê ¤üÖÓ×›ü ú ²µÖÖ•Ö »Ö ÖÖµÖÖ •ÖÖ‹ ÖÖ…<br />

14. ÃÖÖ Ö-¯Ö¡Ö ŸÖ£ÖÖ ˆÃÖ êú ×›üà úÖ‰ÓúØü Ö êú ÃÖÖ´Ö­Öê ÃÖã¯Öã¤Ôü Öß êú ´ÖÖ´Ö»Öê ´Öë ÃÖÓÃÖÖ¬Ö­Ö ¿Öã» ú :<br />

×¾Ö ÎêúŸÖÖ ¯ÖÏŸµÖê ú ×›üà úÖ‰ÓúØü Ö ÃÖÖ Ö-¯Ö¡Ö ¯Ö¸ü ˆÃÖ êú ´Öæ»µÖ êú 0.10% úß ¤ü¸ü ÃÖê µÖÖ<br />

200/- ºþ., •ÖÖê ³Öß †×¬Ö ú ÆüÖê, úÖ ÃÖÓÃÖÖ¬Ö­Ö ¿Öã» ú ¯ÖϳÖÖ¸ü »Ö ÖÖ‹ ÖÖ …<br />

15. †­µÖ ×­ÖµÖ´Öü :<br />

×­ÖµÖ´Ö ¤ü¸ü<br />

1. •ÖÆüÖÑ Ö¸üߤü¤üÖ¸ü “ÖµÖ­Ö êú ×»Ö‹ ïÖÖòü<br />

¯Ö¸ü •ÖÖ­Öê êú ãÖÖ­Ö ¯Ö¸ü ˆ­Ö êú ¯ÖÖÃÖ<br />

ÃÖî´¯Ö»Ö †­Öã´ÖÖê¤ü­Ö êú ×»Ö‹ ³Öê•Ö­Öê úÖ<br />

†­Öã¸üÖê¬Ö ú¸üŸÖÖ Æîü …<br />

16. ´Ö¬µÖã֟ÖÖ :<br />

200/- ºþ. 100 ÖÖÑšÖêÓ êú ¯ÖÏŸµÖê ú<br />

»ÖÖòü µÖÖ ˆÃÖ êú ³ÖÖ Ö ¯Ö¸ü<br />

ºþ‡Ô úß Öã Ö¾Ö¢ÖÖ êú ²ÖÖ¸êü ´Öë × úÃÖß ×¾Ö¾ÖÖ¤ü úÖê, וÖÃÖê ×­ÖµÖ´Ö ‹¾ÖÓ ¿ÖŸÖÖÔêÓ êú Ö ›ü-2 êú<br />

†¬Öß­Ö ×¾Ö×­ÖÙ¤üÂüü ºþ¯Ö ÃÖê ”ûÖê›ÍüÖ ÖµÖÖ Æîü, ˆÃÖê ”ûÖê›Íü ú¸ü ‡ÃÖ ÃÖÓ×¾Ö¤üÖ ÃÖê ÃÖÓ²ÖÓ×¬ÖŸÖ µÖÖ ˆŸ¯Ö®Ö × úÃÖß<br />

×¾Ö¾ÖÖ¤ü µÖÖ †ÓŸÖ¸ü êú ´ÖÖ´Ö»Öê ´Öë, ˆÃÖê ×¾Ö ÎêúŸÖÖ êú ×­Ö¤êü¿Ö ú (×¾Ö¯Ö Ö­Ö) µÖÖ ×­Ö¤êü¿Ö ú (×¾Ö¢Ö) «üÖ¸üÖ<br />

×­ÖµÖãŒŸÖ × úÃÖß ´Ö¬µÖÃ£Ö (×¾Ö ÎêúŸÖÖ êú × úÃÖß ú´ÖÔ“ÖÖ¸üß êú †»ÖÖ¾ÖÖ) úÖê ³Öê•ÖÖ •ÖÖµÖê ÖÖ ŸÖ£ÖÖ ´Ö¬µÖÃ£Ö úÖ<br />

×­Ö ÖÔµÖ †Ó×ŸÖ´Ö †Öî¸ü ¯ÖÖÙüµÖÖë ¯Ö¸ü ²ÖÖ¬µÖ úÖ¸üß ´ÖÖ­ÖÖ •ÖÖµÖê ÖÖ … ´Ö¬µÖã֟ÖÖ úÖê ´Ö¬µÖã֟ÖÖ †Öî¸ü ÃÖã»ÖÆü<br />

†×¬Ö×­ÖµÖ´Ö, 1996 êú ¯ÖÏÖ¾Ö¬ÖÖ­ÖÖë «üÖ¸üÖ µÖÖ × úÃÖß ÃÖÖÓ×¾Ö×¬Ö ú ÃÖÓ¿ÖÖê¬Ö­ÖÖë µÖÖ ¯Öã­ÖÙ¬Ö×­ÖµÖ´Ö «üÖ¸üÖ ×­ÖµÖÓס֟Ö<br />

× úµÖÖ •ÖÖµÖê ÖÖ …


17. †¯Ö׸üÆüÖµÖÔ ‘Öü­ÖÖ :<br />

6<br />

ú) ×¾Ö ÎêúŸÖÖ êú ×­ÖµÖÓ¡Ö Ö êú ²ÖÖÆü¸ü úß ¯Ö׸üÛãÖןֵÖÖë ´Öë •ÖîÃÖê ¯ÖÏÖ éú×ŸÖ ú †Ö¯Ö¤üÖ,<br />

Æü›ÍüŸÖÖ»Ö, ¤Óü Öê, µÖã¨ü, ÃÖÓ Ö¸üÖê¬Ö, †Û ­Ö µÖÖ †¯Ö׸üÆüÖµÖÔ ‘Öü­ÖÖ úß ¯Ö׸üÛãÖןֵÖÖêÓ êú<br />

úÖ¸ü ÖÖêÓ ÃÖê Æãü‹ ­Öã úÃÖÖ­Ö /×¾Ö­ÖÖ¿Ö / ú×´ÖµÖÖêÓ úß ÃÖß´ÖÖ ŸÖ ú ÃÖÓ×¾Ö¤üÖ ¸ü§ü ÆüÖê •ÖÖµÖê Öß …<br />

×¾Ö ÎêúŸÖÖ ‡ÃÖ ¯ÖÏ úÖ¸ü úßú ú´Öß úß ´ÖÖ¡ÖÖ êú ²ÖÖ¸êü ´Öë ÎêúŸÖÖ úÖê 30 פü­Ö êú †Ó¤ü¸ü<br />

ÃÖæ×“ÖŸÖ ú¸êü ÖÖ … Ö¸üߤü¤üÖ¸ü ‹ŸÖ¤«üÖ¸üÖ ¸ü§ü úß Ö‡Ô ú´Ö ´ÖÖ¡ÖÖ êú ×»Ö‹ ÃÖÆü´ÖŸÖ<br />

ÆüÖê ÖÖ †Öî¸ü ‡ÃÖ êú ×»Ö‹ ×¾Ö×¬Ö ú úÖ¸Ôü¾ÖÖ‡Ô ­ÖÆüà ú¸êü ÖÖ, ­Ö Æüß ˆÃÖ êú ÃÖÓ²ÖÓ¬Ö ´Öë × úÃÖß<br />

¯ÖÏ úÖ¸ü úß Öן֯ÖæÙŸÖ úß ´ÖÖÓ Ö ú¸êü ÖÖ …<br />

( Ö) µÖª×¯Ö, ÃÖÓ×¾Ö¤üÖ êú ÃÖÓ²ÖÓ¬Ö ´Öë, •ÖÆüÖÑ †­Öã´ÖÖêפüŸÖ ÖÖÑšüÖë êú ÃÖÓ²ÖÓ¬Ö ´Öë ×¾Ö ÎêúŸÖÖ êú ÖÖŸÖê<br />

´Öë †× ÖÏ´Ö ºþ¯Ö ´Öë ³Öã ÖŸÖÖ­Ö •Ö´ÖÖ Æãü†Ö Æîü, ŸÖÖê †Û ­Ö ÃÖê Ö×ŸÖ êú ×»Ö‹ ²Öß´ÖÖ Óú¯Ö­Öß<br />

«üÖ¸üÖ ×­Ö¯ÖüÖ­Ö × ú‹ Ö‹ ¤üÖ¾Öê úÖê Ö¸üߤü¤üÖ¸ü úÖê ÃÖÖï¯ÖÖ •ÖÖ‹ ÖÖ ŸÖ£ÖÖ ‹êÃÖê ÃÖ³Öß<br />

´ÖÖ´Ö»ÖÖë ´Öë, †Û ­Ö ´Öë ­Öã úÃÖÖ­Ö úß ÃÖß´ÖÖ ŸÖ ú ÃÖÓ×¾Ö¤üÖ ÖŸÖ ´ÖÖ¡ÖÖ ú´Ö úß •ÖÖ‹ Öß …<br />

18. ×­ÖµÖ´Ö ÃÖÓ¿ÖÖê×¬ÖŸÖ ú¸ü­Öê úÖ †×¬Ö úÖ¸ü :<br />

×­Ö Ö´Ö úÖê ÃüÖò ú úß ˆ¯Ö»Ö²¬ÖŸÖÖ, Šú Ö µÖÖê µÖŸÖÖ ŸÖ£ÖÖ Ö¸üߤü¤üÖ¸ü êú ׯ֔û»Öê úÖµÖÔ×­Ö¯ÖÖ¤ü­Ö<br />

úÖê ¤êü ÖŸÖê Æãü‹ ×­ÖµÖ´Ö ‹¾ÖÓ ¿ÖŸÖÖí úÖê ÃÖÓ¿ÖÖê×¬ÖŸÖ ú¸ü­Öê, ¯Ö׸ü¾ÖÙŸÖŸÖ ú¸ü­Öê, †Ö¿ÖÖê×¬ÖŸÖ ú¸ü­Öê µÖÖ ²Ö¤ü»Ö­Öê<br />

úÖ †×¬Ö úÖ¸ü Æîü …<br />

19. Ö¸üߤü¤üÖ¸ü «üÖ¸üÖ ‡ÃÖ ÃÖÓ×¾Ö¤üÖ úß ¤æüÃÖ¸üß ¯ÖÏ×ŸÖ ×¾Ö×¬Ö¾ÖŸÖ ÆüßÖÖ Ö¸ü ú¸üŸÖê Æãü‹ 7 פü­Ö êú †Ó¤ü¸ü<br />

ˆ¯Ö¸üÖêŒŸÖ ¾ÖÙ ÖŸÖ ÃÖ³Öß ×­Ö²ÖÓ¬Ö­ÖÖë ŸÖ£ÖÖ ¿ÖŸÖÖìÓ úß Ã¾Öß éú×ŸÖ êú ºþ¯Ö ´Öë ¾ÖÖ¯ÖÃÖ ú¸ü­Öß “ÖÖ×Æü‹ … µÖפü<br />

ÆüßÖÖ Ö׸üŸÖ ¯ÖÏ×ŸÖ ×­Ö¬ÖÖÔ׸üŸÖ ÃÖ´ÖµÖ ´Öë ¯ÖÏÖ¯ŸÖ ­ÖÆüà ÆüÖêŸÖß Æîü, ŸÖÖê ÃÖÓ×¾Ö¤üÖ úÖê Ö¸üߤü¤üÖ¸ü «üÖ¸üÖ Ã¾Öß éúŸÖ<br />

ŸÖ£ÖÖ ÃÖÓ¯ÖãÂü ´ÖÖ­ÖÖ •ÖÖµÖê ÖÖ …<br />

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