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bUD;wcsVjksa ds }kjk y?kq ,oa e - Dc Msme

bUD;wcsVjksa ds }kjk y?kq ,oa e - Dc Msme

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Hkkjr ljdkj<br />

fn'kkfunsZ'k<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong><br />

m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy,<br />

lg;ksx gsrq ;kstuk<br />

jk"Vh; fofuekZ.k izfrLiËkkZRed dk;Zÿe<br />

dk ?kVd<br />

fodkl vk;qDr<br />

lw{e] y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|e<br />

Hkkjr ljdkj<br />

fuekZ.k Hkou] ubZ fnYyh&110 108<br />

www.dcmsme.gov.in


ebZ] 2010<br />

fodkl vk;qDr] lw{e] y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|e] fuekZ.k Hkou] ubZ fnYyh&110108 }<strong>kjk</strong> izdkf'kr<br />

r<strong>kjk</strong> vkVZ fizaVlZ izk-fy- ch&4] gal Hkou] ubZ fnYyh&110002 }<strong>kjk</strong> eqfÊr


izkDdFku<br />

04 ebZ] 2010<br />

lw{e] y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|e ea=ky; us lw{e] y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|e (,e,l,ebZ) {ks= dh izfrLiËkkZRedrk c


fo"k; lwph<br />

ÿe la- fo"k; i`"B la-<br />

izkDdFku<br />

1- i`"BHkwfe 7<br />

2- mÌs'; 7<br />

3- dk;kZUo;u ,tsafl;ka 8<br />

4- y{; 8<br />

5- vis{kk,a 9<br />

6- foŸkh; lg;ksx 9<br />

7- lkoZtfud futh Hkkxhnkjh eksM esa Hkkx ysuk (ihihih eksM) 10<br />

8- XI ;kstuk <strong>ds</strong> fy, foŸkh; izHkko 11<br />

9- ;kstuk dk dk;kZUo;u 11<br />

10- foŸk tkjh djus dh iºfr 12<br />

11- fuxjkuh ,<strong>oa</strong> ewY;kadu 12<br />

12- vuqcaËk<br />

(i) xfrfofËk;ka (vuqcaËk&I) 13<br />

(ii) <strong>bUD</strong>;wcsVh <strong>ds</strong> fy, lg;ksxh fÿ;kdykiksa rFkk laHkkfor O;;ksa <strong>ds</strong> fy,<br />

funsZ'kh lwph ljdkj <strong>ds</strong> fy, ykxr (vuqcaËk&II) 14<br />

(iii) <strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> ekË;e ls ,l,ebZ <strong>ds</strong> m|ferk rFkk izcaËkdh; fodkl<br />

gsrq lgk;rk iznku djus dh ;kstuk <strong>ds</strong> rgr fufËk;ksa <strong>ds</strong> mi;ksx<br />

<strong>ds</strong> fy, le>kSrk (vuqcaËk&III) 15<br />

(iv) ifj;kstuk izLrko tek djus <strong>ds</strong> fy, gksLV laLFkkuksa@<br />

fctusl <strong>bUD</strong>;wcsVj dk izksQkekZ (vuqcaËk&IV) 25


6<br />

laf{kIrk{<strong>kjk</strong>sa dh lwph<br />

chvkbZ µ fctusl <strong>bUD</strong>;wcsVj<br />

lhbZvks µ eq[; dk;Zdkjh vfËkdkjh<br />

Mhlh µ fodkl vk;qDr<br />

MhvkbZZih ,.M ih µ vkS|ksfxd uhfr ,<strong>oa</strong> loËkZu foHkkx<br />

Mh,lVh µ foKku ,<strong>oa</strong> izkS|ksfxdh foHkkx<br />

Mh,lvkbZvkj µ oSKkfud o vkS|ksfxd vuqlaËkku foHkkx<br />

,Q, µ foŸkh; lykgdkj<br />

,pvkbZ µ estcku laLFkku<br />

vkbZvkbZVh µ Hkkjrh; izkS|ksfxdh laLFkku<br />

,evks,e,l,ebZ µ lw{e] y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|e ea=ky;<br />

,e,lbZ µ lw{e o y?<strong>kq</strong> m|e<br />

,e,l,ebZ&MhvkbZ µ lw{e] y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|eµfodkl laLFkku<br />

,e,l,ebZ µ lw{e] y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|e<br />

,u,lvkbZlh µ jk"Vh; y?<strong>kq</strong> m|ksx fuxe<br />

,ulh,eih µ jk"Vh; U;wure lk>k dk;Zÿe<br />

,uvkbZVh µ jk"Vh; izkS|ksfxdh laLFkku<br />

ihihih µ lkoZtfud futh Hkkxhnkfjrk<br />

,lih,e µ Lis'ky iiZt e'khu<br />

,lohlh,y µ flMch m|e iawth fyflMch<br />

µ Hkkjrh; y?<strong>kq</strong> m|ksx fodkl cSad<br />

VhvkbZ,Q,lh µ izkS|ksfxdh lwpuk iwokZuqeku ,<strong>oa</strong> vkdyu ijf"kn~<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe


UD;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh;<br />

fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

i`"BHkwfe<br />

1-1 fo'o Lrj ij lw{e ,<strong>oa</strong> y?<strong>kq</strong> m|e (,e,lbZ) ,d egRoiw.kZ jk"Vh; vFkZO;oLFkkvksa <strong>ds</strong> ?kVd <strong>ds</strong> :i esa tkus tkrs gSa tks<br />

jkstxkj foLrkj vkSj xjhch mUewyu <strong>ds</strong> fy, egRoiw.kZ ;ksxnku ns jgs gSaA ns'k <strong>ds</strong> lw{e ,<strong>oa</strong> y?<strong>kq</strong> m|eksa <strong>ds</strong> egRo dks le>rs<br />

gq, vkS|ksfxd mRiknu] fu;kZr] jkstxkj vkSj m|ferk vkËkkj dk l`tu djus <strong>ds</strong> lacaËk esa Hkkjrh; vFkZO;oLFkk <strong>ds</strong> egRoiw.kZ<br />

{ks= dks rS;kj djrs gSa] <strong>ds</strong>UÊ ,<strong>oa</strong> jkT; ljdkjsa bu m|eksa <strong>ds</strong> laoËkZu ,<strong>oa</strong> fodkl <strong>ds</strong> fy, fofHkUu ;kstukvksa dk dk;kZUo;u<br />

dj jgh gSaA ljdkj <strong>ds</strong> jk"Vh; U;wure lk>k dk;Zÿe esa lfEefyr ^lrr jkstxkj <strong>ds</strong> :i esa vFkZO;oLFkk dh fujarj o`fº*<br />

'kklu <strong>ds</strong> Ng vkËkkjHkwr flºkarksa esa egRoiw.kZ LFkku j[krk gSA ,ulh,eih us ,e,lbZ dks vR;fËkd jkstxkj izËkku {ks= Hkh<br />

crk;k gSA<br />

1-2 2005&06 <strong>ds</strong> vius ctV Hkk"k.k esa foŸk ea=h us fo'ks"kr% dgk fd% ^^fo'o Hkj esa fofuekZ.k gh gS ftlesa rhoz fodkl gqvkA<br />

fofuekZ.k {ks= dks iquthZfor djus <strong>ds</strong> mÌs'; ls fo'ks"k :i ls y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|eksa rFkk mUgsa oSf'od mnkjhdj.k ,<strong>oa</strong> VsfjQ<br />

njksa <strong>ds</strong> fu;a=.k }<strong>kjk</strong> mRiUu izfrLiËkhZ ncko <strong>ds</strong> lkFk lkeatL; LFkkfir lek;ksftr djus ;ksX; cukus <strong>ds</strong> fy, ubZ ;kstuk dk<br />

izkjaHk djus dk izLrko gS] tks mu<strong>ds</strong> izpkyu dh lqn`


8<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

uokpkj (vfHkuo) Ja`[kyk <strong>ds</strong> vU; ?kVdksa <strong>ds</strong> lkFk lacaËkksa dks fodflr djus dh Hkh igy djrk gSA ;g igy vc<br />

,e,l,ebZ ea=ky; tks m|ferk fodkl rFkk Lojkstxkj <strong>ds</strong> l`tu ,<strong>oa</strong> vkSj vfËkd jkstxkj volj cukus gsrq ,d uksMy<br />

ea=ky; gS] }<strong>kjk</strong> dh tk jgh gSA<br />

2-2 bl ;kstuk <strong>ds</strong> rgr izkS|ksfxdh (estcku) laLFkkuksa <strong>ds</strong> varxZr vxys 4 o"kks± esa (izfr o"kZ 25 dh nj ls) 100 fctusl<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> (chvkbZ) dks LFkkfir fd;k tkuk gS vkSj izR;sd chvkbZ }<strong>kjk</strong> yxHkx 10 u, fop<strong>kjk</strong>sa ;k bdkb;ksa <strong>ds</strong> bD;wcs'ku<br />

dh lgk;rk nh tkus dh mEehn dh tkrh gSA bl lsok <strong>ds</strong> fy,_ ftlesa iz;ksx'kkyk@dk;Z'kkyk lqfoËkkvksa rFkk ;qok izorZdksa<br />

dks vU; lgk;rk@ekxZn'kZu 'kkfey gSa_ izR;sd chvkbZ (fctusl bD;wcsVj) dks vU; lgk;rk@ekxZn'kZu 'kkfey gSa_ izR;sd<br />

chvkbZ (fctusl bD;wcsVj) dks mu<strong>ds</strong> }<strong>kjk</strong> iks"k.k djus gsrq 4 yk[k ls 8 yk[k #i;s <strong>ds</strong> chp izfr fopkj@bdkbZ dh jkf'k<br />

nh tk,xh] tks 10 bdkb;ksa <strong>ds</strong> fy, dqy 62-5 yk[k #i;s rd lhfer gksxhA bl<strong>ds</strong> vykok] izR;sd chvkbZ ;k estcku<br />

laLFkku dks fuEu izkIr gksxk %<br />

en izfr chvkbZ nj<br />

(d) voLFkkiuk dk mUu;u 2-50 yk[k #i;s<br />

([k) vksfj,aVs'ku@izf'k{k.k 1-28 yk[k #i;s<br />

(x) iz'kklfud [kpZ 0-22 yk[k #i;s<br />

bl izdkj izfr chvkbZ lgk;rk 66-50 yk[k #i;s<br />

3-0 dk;kZUo;u ,tsafl;ka<br />

3-1 <strong>bUD</strong>;wcs'ku lgk;rk fuEu rjg <strong>ds</strong> estcku laLFkkuksa }<strong>kjk</strong> iznku dh tk,xh%<br />

(i) Hkkjrh; izkS|ksfxdh laLFkku (vkbZvkbZVh)<br />

(ii) jk"Vh; izkS|ksfxdh laLFkku (,uvkbZVh)<br />

(iii) bathfu;fjax dkyst<br />

(iv) izkS|ksfxdh fodkl <strong>ds</strong>UÊ] Vwy :e] vkfn<br />

(v) vU; ekU;rk izkIr vkj ,aM Mh rFkk@;k rduhdh laLFkku@<strong>ds</strong>UÊ] MhvkbZih ,aM ih <strong>ds</strong> fodkl laLFkku] tks dkxt]<br />

jcM+] e'khu VwYl vkfn <strong>ds</strong> {ks= esa gSaA<br />

3-2 dk;kZUo;u <strong>ds</strong> nkSjku] ;kstuk dks csgrj ifj.kke <strong>ds</strong> lkFk T;knk vljnkj cukus gsrq fdlh Hkh lqËkkj dk;Z dh vko';drk<br />

gsrq HkkSxksfyd {ks=] fo"k;ksa ,<strong>oa</strong> mi;qZDr lwphcº voLFkkiuk iznkrkvksa dh chp&chp esa leh{kk dh tk,xhA<br />

4-0 y{;<br />

4-1 ;g izLrko gS fd izR;sd fctusl <strong>bUD</strong>;wcsVj esa <strong>bUD</strong>;wcsfVM lw{e ,<strong>oa</strong> y?<strong>kq</strong> m|eksa <strong>ds</strong> chp ÿe'k% 4%1 dk vuqikr j[kus dk<br />

iz;kl fd;k tk,xk vFkkZr ,d vkn'kZ fLFkfr esa izR;sd chvkbZ esa vkSlru 8 lw{e m|eksa vkSj 2 y?<strong>kq</strong> m|eksa dks <strong>bUD</strong>;wcsV<br />

djus dk iz;kl fd;k tk,xkA rFkkfi blesa yphysiu dh fLFkfr Lohdk;Z gksxhA vko';drkuqlkj estcku laLFkkuksa esa<br />

,d ls vfËkd chvkbZ jgus] vkSj izR;sd chvkbZ esa 10 ls de vFkok 10 ls vfËkd m|e jgus dk yphykiu ekU; gksxkA


5-0 vis{kk,a<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

izorZu 'kCn O;kid Mksesu dks doj djrk gSA tgka rd lw{e vkSj y?<strong>kq</strong> m|ksxksa dk lacaËk gS] blesa dksbZ Hkh<br />

fÿ;kdyki vkSj ubZ@Lons'kh izfÿ;k ;k mRikn ftldh lekt esa (;k ml<strong>ds</strong> fdlh fo'ks"k {ks= esa) mi;ksxh gksus dh<br />

laHkkouk gks] vkSj bl rjg ls ;g yach vofËk <strong>ds</strong> fy, foi.ku ;ksX; gks] dks izorZu <strong>ds</strong> varxZr fy;k tk l<strong>ds</strong>xkA<br />

orZeku ;kstuk <strong>ds</strong> rgr y?<strong>kq</strong> ek=k esa lgk;rk <strong>ds</strong> izLrko dk Ë;s; foKku ,<strong>oa</strong> izkS|ksfxdh <strong>ds</strong> Nk=ksa@iwoZ Nk=ksa vkSj<br />

m|fe;ksa dh] ftUgksaus vfHkuo fop<strong>kjk</strong>sa dks (izfÿ;k rFkk mRiknksa) iz;ksx'kkyk@dk;Z'kkyk Lrj ij rFkk mlls ijs<br />

(laHkkfor foLrkj rd) iz;qDr fd;k gksµfopkj dh ek= ifjdYiuk dh tkudkjh vkSj ml<strong>ds</strong> ckn dSls fd;k tk,<br />

<strong>ds</strong> Lrj ls vkxs ys tk, tkus esa lgk;rk djuk gSA ;fn dksbZ fo'ks"k iz;kstu gsrq e'khu (,lih,e) lQy<br />

vkfo"dkjd }<strong>kjk</strong> de dher ij rS;kj dh tk l<strong>ds</strong> tks fd T;knk izfrLiËkkZRed] lLrh y?<strong>kq</strong> ,<strong>oa</strong> eË;e m|eksa }<strong>kjk</strong><br />

csph tk l<strong>ds</strong>] rks mls Hkh uokpkj <strong>ds</strong> nk;js esa j[kk tk,xkA fofHkUu estcku laLFkkuksa <strong>ds</strong> ekeys esa tgka igys gh<br />

uokp<strong>kjk</strong>sa dh le`fº ,<strong>oa</strong> <strong>bUD</strong>;wcsfVax <strong>ds</strong> fy, blh rjg <strong>ds</strong> dk;Zÿe py jgs gksa] ;g ,e,l,ebZ lgk;rk muesa<br />

lefUor gks ldrh gS tks f}jko`fr ;k vuko';d nksgjs ykHkksa <strong>ds</strong> fcuk] vfrfjDr izksRlkgu@laIksz"k.k <strong>ds</strong> :i esa gksxhA<br />

;g gj estcku laLFkku ;k ml<strong>ds</strong> chvkbZ ij gksxk fd og vius fo|kfFkZ;ksa vkSj m|fe;ksa (vkSj mu<strong>ds</strong> fop<strong>kjk</strong>sa) ls<br />

mEehnksa dks ml Lrj ij csapekdZ dj l<strong>ds</strong> ftls mi;qDr le>k tk,xk vkSj fop<strong>kjk</strong>sa dks lkdkj :i nsus <strong>ds</strong> fy,<br />

okLro esa visf{kr lgk;rk dk Lrj iznku djsaA bl ckr dk mYys[k djus dh t:jr ugha fd bl ;kstuk <strong>ds</strong> ekË;e<br />

ls gj chvkbZ ;k estcku laLFkku ftl Lrj dh lgk;rk izkIr djrk gS] og mldh viuh izfr"Bk c


10<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

6-2 fctusl <strong>bUD</strong>;<strong>wcsVjksa</strong> ij izR;{k O;;<br />

LFkkfir fd, tkus<br />

rkfydk % O;; fooj.k (ljdkj <strong>ds</strong> fy, ykxr)<br />

izR;sd fctusl esa <strong>bUD</strong>;wcsVj gksus okys dqy O;; (ljdkj <strong>ds</strong><br />

okys <strong>bUD</strong>;<strong>wcsVjksa</strong> dh ,e,lbZ dh la[;k rFkk ykxr fy, ykxr) izfro"kZ]<br />

la[;k djksM+ #i;s esa<br />

X;kjgoha iapo"khZ; ;kstuk (i) 6-25 yk[k #i;s izfr m|e dh nj ls 10 m|eh;ksa dks 15-625<br />

<strong>ds</strong> vafre 4 o"kks± <strong>ds</strong> fy, lgk;rk nh tkuh gS (ykxr 4 yk[k #i;s ls 8 yk[k<br />

izfr o"kZ 25 dh nj ls #i;s <strong>ds</strong> chp ifjorZuh; gks ldrh gS) (fooj.k<br />

100 <strong>bUD</strong>;wcsVj vuqcaËk&II esa gS)<br />

(ii) voLFkkiuk <strong>ds</strong> ?kVdksa dk mUu;u djus ;k ckSrs (fooj.k vuqcaËk&III esa)] ftl ij ljdkj] estcku laLFkku<br />

(tks <strong>bUD</strong>;wcsVj dks izpkyukRed cukrs gSa) vkSj egRokdka{kh <strong>bUD</strong>;wcsVh <strong>ds</strong> chp gLrk{kj fd, tkus gSa esa rhuksa gLrk{kjdrkZvksa<br />

esa ls izR;sd ls mŸkjnkf;Roksa vkSj vis{kkvksa dks Li"V :i ls j[kk x;k gS] vkSipkfjdrk,a iwjh djus <strong>ds</strong> ckn viuk Hkkx<br />

estcku laLFkku dks tek djsaxsA ;kstuk dks bl rjg ls cuk;k x;k gS fd <strong>bUD</strong>;wcs'ku lgk;rk lekIr gksus <strong>ds</strong> ckn Hkh<br />

,e,lbZ vius fÿ;kdykiksa dks tkjh j[k l<strong>ds</strong>aA


8-0 X;kjgoha ;kstuk <strong>ds</strong> fy, foŸkh; izHkko<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

izfro"kZ ykxr dk C;kSjk<br />

ÿ-la- (#i;s djksM+ksa esa)<br />

1- 6-25 yk[k #i;s izR;sd dh nj ls 250 M|eh 15-625<br />

2- voLFkkiuk <strong>ds</strong> ?kVdksa <strong>ds</strong> mUu;u rFkk o`fº dh ykxr 0-625<br />

3- vfHkfoU;kl izf'k{k.kksa dh ykxr 0-320<br />

4- iz'kklfud [kpsZ 0-055<br />

5- dqy (izfro"kZ 25 ch vkbZ <strong>ds</strong> fy,) 16-625<br />

6- dqy (4 o"kks± <strong>ds</strong> fy,) 66-50<br />

9-0 ;kstuk dk dk;kZUo;u<br />

9-1 foŸk o"kZ 2008&09 ls ;kstuk <strong>ds</strong> dk;kZUo;u dk izLrko gSA<br />

9-2 p;u lfefr <strong>ds</strong> v/;{k fodkl vk;qDr (,e,l,ebZ) gksaxs ,<strong>oa</strong> mlesa 'kkfey gksaxs %<br />

1- Mh,lVh@Mh,lvkbZvkj ls izfrfufËk<br />

2- lhbZvks] ,lohlh,y (flMch osapj dSfiVy fyfeVsM)<br />

3- lh,eMh] ,u,lvkbZlh<br />

4- vkfFkZd lykgdkj] ,e,l,ebZ ea=ky;<br />

5- foŸkh; lykgdkj] ,e,l,ebZ ea=ky;<br />

6- MhvkbZihih ls izfrfufËk<br />

9-3 fctusl <strong>bUD</strong>;wcsVlZ dh LFkkiuk <strong>ds</strong> fy, estcku laLFkkuksa dk pquko djus gsrq p;u lfefr }<strong>kjk</strong> lekpkj i=ksa ,<strong>oa</strong> osclkbZV<br />

esa foKkiu] dk;kZUo;u ,tsafl;ksa dks i= bR;kfn <strong>ds</strong> ekË;e ls laLFkkuksa@dk;kZUo;u ,tsafl;ksa ls (vuqcaËk&IV esa fn, x,<br />

QkesZV <strong>ds</strong> vuqlkj) izLrkoksa <strong>ds</strong> fy, vuqjksËk vkeaf=r fd, tk,axsA<br />

9-4 p;u lfefr fo'ks"k mRikn lewg <strong>ds</strong> fy,] fop<strong>kjk</strong>sa dh laHkkO;rk rFkk voËkkj.kk <strong>ds</strong> izek.k gsrq] m|fe;ksa dks estoku<br />

laLFkku] dk;Z'kkykvksa ,<strong>oa</strong> iz;ksx'kkykvksa bR;kfn rd igaqp <strong>ds</strong> fodYi gsrq milfefr cukus rFkk estoku laLFkkuksa dks lhËks<br />

fufËk;ka tkjh djus <strong>ds</strong> fy, izfÿ;k cukus] rFkk lkFk gh bldks ykxw djus <strong>ds</strong> fy, f=i{kh; le>kSrs dk izLrko djus <strong>ds</strong><br />

fy, vfËkd`r gksxhA ,d milfefr ftl<strong>ds</strong> vË;{k fodkl vk;qDr (,e,l,ebZ) <strong>ds</strong> vkS|ksfxd lykgdkj gksaxs] mlesa<br />

'kkfey gksaxs%<br />

1- lacafËkr {ks= <strong>ds</strong> 'kh"kZ oSKkfud@vkS|ksfxd vuqlaËkku laLFkkuksa <strong>ds</strong> funs'kd ;k mu<strong>ds</strong> izfrfufËkA<br />

2- <strong>bUD</strong>;wcs'ku <strong>ds</strong>UÊ <strong>ds</strong> {ks= esa funs'kd ,e,l,ebZ fodkl laLFkku }<strong>kjk</strong> ukfer <strong>bUD</strong>;wcs'ku dk;ZdkjhA<br />

3- <strong>bUD</strong>;wcs'ku <strong>ds</strong>UÊ <strong>ds</strong> {ks= esa fLFkr izeq[k cSad <strong>ds</strong> izfrfuf/kA<br />

4- estcku laLFkku <strong>ds</strong> izfrfufËkA<br />

11


10- foŸk tkjh djus dh iºfr<br />

12<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

ljdkj] estcku laLFkku ,<strong>oa</strong> egRokdka{kh m|eh <strong>ds</strong> chp gksus okys f=i{kh; le>kSrs <strong>ds</strong> vuqlkj estcku laLFkku dks foŸk<br />

tkjh djsxhA izkjaHk esa estcku laLFkku dks <strong>bUD</strong>;<strong>wcsVjksa</strong> }<strong>kjk</strong> vxys foŸk o"kZ <strong>ds</strong> nkSjku gksus okys LFkkiuk ,<strong>oa</strong> izpkyu <strong>ds</strong><br />

vuqekfur [kpsZ dk 30 izfr'kr tkjh fd;k tk,xkA estcku laLFkku dks 'ks"k jkf'k ,d ckj ;g lwfpr gks tkus ij fd<br />

estcku laLFkku us iwoZ jkf'k dk mi;ksx dj fy;k gS ,d ;k vfËkd fdLrksa esa tkjh dh tk,xhA<br />

11- fuxjkuh ,<strong>oa</strong> ewY;kadu<br />

ifj;kstuk dh fuxjkuh ,<strong>oa</strong> ekxZn'kZu ,e,l,ebZ ea=ky; djsxkA dk;kZUo;u dh fuxjkuh esa izys[kuksa <strong>ds</strong> ekË;e ls ;kstuk<br />

dks tkjh j[kuk lqfuf'prrk djus dh vko';drk ij tksj fn;k tk,xkA vij lfpo ,<strong>oa</strong> fodkl vk;qDr (,e,l,ebZ)<br />

dh vË;{krk esa ,d fuxjkuh rFkk ijke'kZ lfefr gksxh ftlesa fuEufyf[kr<br />

1- ,u,elhlh <strong>ds</strong> izfrfufËk<br />

2- izkS|ksfxdh lwpuk iwokZuqeku ,<strong>oa</strong> ewY;kadu ifj"kn (VhvkbZ,Q,lh) <strong>ds</strong> izfrfufËk<br />

3- jkT; <strong>ds</strong> izeq[k cSad <strong>ds</strong> izfrfufËk tgka <strong>bUD</strong>;wcsVj LFkkfir gSa<br />

4- ,e,l,ebZMh vfËkfu;e] 2006 <strong>ds</strong> rgr xfBr lykgdkj lfefr esa izfrfufËkRo dj jgs vkS|ksfxd la?kksa <strong>ds</strong> izfrfufËk<br />

dk;Zÿe <strong>ds</strong> dk;kZUo;u dk vkofËkd iqujh{k.k ,<strong>oa</strong> ekxZn'kZu <strong>ds</strong> fy, xfBr dh tk,xhA lfefr <strong>ds</strong> ikl eË;kofËk esa vkus<br />

okys vko';d lqËk<strong>kjk</strong>sa dks ykxw dj<strong>ds</strong> lfefr bl dk;Zÿe dks vkSj vfËkd izHkko'kkyh cuk,xhA


UD;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

lwpd {ks=<br />

uohu ifj;kstuk <strong>ds</strong> fy, izpkyu <strong>ds</strong> lka<strong>ds</strong>frd {ks= fuEu {ks=ksa esa gks ldrs gSa%<br />

gkbZVSd xfrfofËk;ka<br />

(i) tSo izkS|ksfxdh<br />

(ii) vkS"kËkh;<br />

(iii) lwpuk izkS|ksfxdh<br />

(iv) uSuks&izkS|ksfxdh<br />

(v) ikWfyej mRikn<br />

vU; laHkkfor {ks=&1<br />

(i) Qyksa dk izlaLdj.k<br />

(ii) fljsfed m|ksx<br />

(iii) dkap m|ksx<br />

(iv) gcZy nokb;ka<br />

(v) tujy LVksj<br />

(vi) vkWVks ?kVd<br />

(vii) fctyh midj.k<br />

vU; laHkkfor {ks=&2<br />

(i) flys flyk, oL=<br />

(ii) [ksy dk lkeku<br />

(iii) osV xzkbaMj<br />

(iv) Ëkkrq <strong>ds</strong> crZu<br />

(v) lftZdy midj.k<br />

(vi) d`f"k miLdj<br />

(vii) csar ,<strong>oa</strong> ckal mRikn<br />

(viii) peM+s dk lkeku<br />

(ix) bathfu;fjax m|ksx<br />

vuqcaËk&I<br />

13


14<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

rkfydk % <strong>bUD</strong>;wcsVh <strong>ds</strong> fy, lg;ksxh fÿ;kdykiksa rFkk laHkkfor O;;ksa <strong>ds</strong> fy, funsZ'kh lwph<br />

(ljdkj <strong>ds</strong> fy, ykxr O;; <strong>ds</strong> C;kSjs ij rkfydk ls mn~/k`r)<br />

vuqcaËk&2<br />

ÿ-la- en laHkkfor O;; (#i;s yk[kksa esa)<br />

1- izkS|ksfxdh '<strong>kq</strong>Yd 2-00<br />

2- VsyhQksu] QSDl] dEI;wVj lqfoËkk vkfn 0-25<br />

3- ckgj ls e'khujh fdjk, ij ;k iÍs ij j[kuk 1-00<br />

4- lykgdkj@gSaMgksfYMax O;fDr;ksa <strong>ds</strong> fy, ekxZn'kZu '<strong>kq</strong>Yd vkfn 2-00<br />

5- fctyh] vkokl '<strong>kq</strong>Yd vkfn 1-00<br />

dqy 6-25


UD;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

vuqcaËk&III<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> ekË;e ls ,l,ebZ <strong>ds</strong> m|ferk rFkk izcaËkdh; fodkl gsrq lgk;rk iznku djus dh ;kstuk<br />

<strong>ds</strong> rgr fufËk;ksa <strong>ds</strong> mi;ksx <strong>ds</strong> fy, le>kSrk<br />

le>kSrk<br />

,d i{k dh vksj ls Jh@Jherh µ µ µ µ<br />

µ µ µ µ µ (uke vkSj inuke)] y?<strong>kq</strong> ,<strong>oa</strong> eË;e<br />

m|e ea=ky;] Hkkjr ljdkj (;gka bl<strong>ds</strong> ckn ls ^igys i{k* vfHkO;fDr ftlesa tc rd lanHkZ vFkok ml<strong>ds</strong> vFkZ esa vlaxr<br />

u gks] egRo esa bl<strong>ds</strong> mŸ<strong>kjk</strong>fËkdkjh ,<strong>oa</strong> Lohd`r izfrfufËk 'kkfey gksaxs] <strong>ds</strong> :i esa tkuk tk,xk)<br />

vkSj<br />

nwljs i{k dh vksj ls gksLV laLFkku <strong>ds</strong> fy, izkfËkd`r gLrk{kjh dk uke µ µµ µ µ<br />

rFkk bldh oSËkkfud fLFkfr fd bldk iathd`r dk;kZy; ekStwn gS (iwjk irk)% µ µ µ<br />

µ µ µ µ µµµµµ µµµµµñ<br />

µ µ µ µ µµµµµ µµµµµñ<br />

µ µ µ µ µñ (;gka bl<strong>ds</strong> ckn ls<br />

^nwljs i{k* vfHkO;fDr ftlesa tc rd lanHkZ vFkok ml<strong>ds</strong> vFkZ esa vlaxr u gks] egRo esa bl<strong>ds</strong> mŸ<strong>kjk</strong>fËkdkjh ,<strong>oa</strong> Lohd`r<br />

izfrfufËk 'kkfey gksaxs] <strong>ds</strong> :i esa tkuk tk,xkA<br />

tcfd ljdkj m|eh; osapjksa dks lQyrk izkIr djus esa enn djus <strong>ds</strong> fy, lkoZtfud futh Hkkxhnkjh (ihihih) iºfr esa gksLV<br />

laLFkku (,pvkbZ) <strong>ds</strong> ekË;e ls fctusl <strong>bUD</strong>;wcsVj dks lgk;rk iznku djus dh bPNqd gSa] ,<strong>oa</strong> tcfd] gksLV laLFkku bl dk;Z<br />

<strong>ds</strong> fu"iknu <strong>ds</strong> fy, bPNqd gSa]<br />

,<strong>oa</strong> tcfd] gksLV laLFkku bl dk;Z <strong>ds</strong> fu"iknu <strong>ds</strong> fy, bPNqd gSa]<br />

vc vr% nksuksa i{k fuEuksDr :i ls ;gka lgefr iznku djrs gSa %<br />

1- izLrkouk<br />

1-1 O;fDrxr uoizorZdksa dh viz;qDr jpukRedrk dk leFkZu vkSj laoËkZu djus <strong>ds</strong> mÌs'; ls] ljdkj us <strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> ekË;e<br />

ls ,l,ebZ <strong>ds</strong> m|ferk rFkk izcaËkdh; fodkl gsrq lgk;rk iznku djus dh ,d ;kstuk (;gka <strong>ds</strong> ckn bls ^;kstuk* dgk<br />

tk,xk) cukbZ gSA bl ;kstuk esa uoizorZu ‹ka`[kyk] vFkkZr 'kksËk@'kSf{kd laLFkkuksa vkSj fctusl <strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> egRoiw.kZ<br />

?kVdksa <strong>ds</strong> lkFk uoizorZdksa vkSj m|fe;ksa <strong>ds</strong> chp laidZ LFkkfir djus dh ckr gS rkfd m|ferk lacaËkh m|eksa dks lQy<br />

cukus esa enn djus <strong>ds</strong> fy, ,sls laLFkkuksa esa miyCËk tkudkjh] fo'ks"kKrk] lqfoËkkvksa vkSj vkËkkjHkwr


2- vk;kstd laLFkku dh ftEesnkfj;ka<br />

16<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

2-1 vk;kstd laLFkku fctusl <strong>bUD</strong>;wcs'ku vkSj m|ferk fodkl dk;Zdyki <strong>ds</strong> fy, rFkk izLrkfor ;kstuk <strong>ds</strong> rgr ckË;rkvksa<br />

dks iwjk djus <strong>ds</strong> fy, ,d laLFkk dk fuekZ.k djus (;fn igys ls fufeZr u gks) dk opu nsxhA ml laLFkk dks ;gka ls<br />

fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> :i esa tkuk tk,xkA<br />

2-2 fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> dk;Zdykiksa esa fuEufyf[kr 'kkfey gksaxs%<br />

2-2-1 tkudkjh iznkudrkZvksa] m|fe;ksa vkSj foŸkiks"kdksa dks ,d nwljs ls feyus vkSj fctusl Vhesa cukus dk volj nsrs<br />

gq, vkSj okrkoj.k cukrs gq, u, fctusl fop<strong>kjk</strong>sa dk <strong>ds</strong>aÊhdj.kA<br />

2-2-2 izkS|ksfxdh lgk;rk] fctusl esaVfjax] usVodZ] oSKkfud o lwpuk lzksrksa rFkk vkerkSj ij vuqdwy rFkk lg;ksxh<br />

okrkoj.k rd igaqp cukus vkSj LFkku dk izLrko nsus <strong>ds</strong> fy, ,d izHkkoh fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> fuekZ.k rFkk lapkyu<br />

}<strong>kjk</strong> O;olk;ksa dks mu<strong>ds</strong> vkjafHkd pj.k esa fodflr djukA<br />

2-2-3 u, m|e l`tu <strong>ds</strong> fy, mi;qDr fctusl vkbfM;k dh igpku] l`tu] o`fº vkSj :ikarj.k (fÿ;k essa) <strong>ds</strong> fy, ,d<br />

lfÿ; dk;Zÿe dk laoËkZu vkSj lapkyuA<br />

2-3 vk;kstd laLFkku fctusl <strong>bUD</strong>;wcsVj dks j[kus vkSj lapkyu <strong>ds</strong> fy, ,d rS;kj] lefiZr LFkku iznku djsxkA<br />

2-4 vk;kstd laLFkku fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> fy, ewyHkwr vkËkkjHkwr lqfoËkkvksa] dk;kZy; lqfoËkkvksa rFkk iz;ksx'kkyk lqfoËkkvksa<br />

rd igaqp iznku djus <strong>ds</strong> fy, ftEesnkj gksxkA<br />

2-5 vk;kstd laLFkku fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> nSfud lapkyu gsrq lalkËkuksa dh O;oLFkk djus <strong>ds</strong> fy, ftEesnkj gksxkA<br />

2-6 fctusl <strong>bUD</strong>;wcsVj dk lapkyu izcaËku lfefr }<strong>kjk</strong> 'kkflr gksxk tks vk;kstd laLFkkuksa <strong>ds</strong> cksMZ vkWQ xouZjksa (chvksth) <strong>ds</strong><br />

vuqeksnu <strong>ds</strong> lkFk xfBr dh tk,xh vkSj blesa de ls de fuEufyf[kr 'kkfey gksaxs%<br />

2-6-1 fctusl <strong>bUD</strong>;wcsVj dk dk;Zdkjh izeq[k (insu vË;{k)A<br />

2-6-2 Hkkjr ljdkj dh izeksVj ,tsalh dk ,d izfrfufËk] bl ekeys esa fodkl vk;qDr (,e,l,ebZ) dk;kZy;] ubZ<br />

fnYyh dk izfrfufËk lnL;A<br />

2-6-3 m|ksx@m|ksx la?k dk ,d izfrfufËk (lnL;)A<br />

2-6-4 foŸkh; laLFkkuksa dk ,d izfrfufËk (lnL;)A<br />

2-6-5 vk;kstd laLFkku <strong>ds</strong> 'kSf{kd leqnk; dk ,d izfrfufËk (lnL;)A<br />

2-6-6 ,d vuqlaËkku o fodkl fo'ks"kK (lnL;)A<br />

2-6-7 fctusl <strong>bUD</strong>;wcsVj izcaËkd (lnL; lfpo)A


UD;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

2-7 izcaËkd lfefr vkofËkd vkËkkj (vke rkSj ij Ng ekg) ij fctusl <strong>bUD</strong>;wcsVj dh laiw.kZ fuxjkuh vkSj ewY;kadu<br />

<strong>ds</strong> fy, tokcnsg gksxhA vkofËkd leh{kk dh fjiksVZ fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> lHkh izeksVjksa dks miyCËk djkbZ tk,xhA<br />

2-8 fctusl <strong>bUD</strong>;wcsVj deZB deZpkfj;ksa }<strong>kjk</strong> pyk;k tk,xk vkSj mlesa vk;kstd laLFkku <strong>ds</strong> f'k{kdksa@deZpkfj;ksa ;k ckgj <strong>ds</strong><br />

fo'ks"kKksa dh lsokvksa dk mi;ksx Hkh fd;k tk,xkA<br />

3-0 ;kstuk <strong>ds</strong> dk;kZUo;u vkSj foŸkh; O;oLFkk,a<br />

3-1 izcaËkd lfefr ;kstuk dks izpkfjr djus vkSj Lohd`r izk:i (ifjf'k"V&I) esa ;kstuk <strong>ds</strong> rgr izLrkoksa dks izkIr djus <strong>ds</strong><br />

fy, ftEesnkj gksxhA<br />

3-2 izcaËkd lfefr ;k mi&lfefr dks blfy, fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> ekË;e ls ;kstuk <strong>ds</strong> rgr lg;ksx izkIr izLrko lacaËkh<br />

laHkkO;rk dh tkap djuh gksxh rFkk ljdkj dks flQkfj'k djuh gksxhA<br />

3-3 izcaËk lfefr dks ;g lqfuf'pr djuk gksxk fd m|fe;ksa@<strong>bUD</strong>;wcsVht dk p;u mfpr :i ls fd;k x;k gS rFkk fufËk dk<br />

laforj.k@mi;ksx m|eh@<strong>bUD</strong>;wcsVh dks U;k;iw.kZ


4-0 lkekU;<br />

18<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

4-1 <strong>bUD</strong>;wcsVh }<strong>kjk</strong> iz;ksx djus <strong>ds</strong> fy, ,pvkbZ@chvkbZ dks QaM tkjh djus ls igys gksLV laLFkku@fctusl <strong>bUD</strong>;wcsVj dks mu<strong>ds</strong><br />

}<strong>kjk</strong> rFkk <strong>bUD</strong>;wcsVh }<strong>kjk</strong> fd;k x;k ,xzhesaV ljdkj dks izLrqr djuk gksxkA ;g ,xzhesaV ifjf'k"V&II <strong>ds</strong> izk:i <strong>ds</strong> vuqlkj<br />

gksxkA<br />

4-2 ;kstuk }<strong>kjk</strong> l`ftr ifjlaifŸk;ka ljdkj <strong>ds</strong> dk;kZy; dh iwokZuqefr <strong>ds</strong> cxSj LFkkukarfjr@fuiVku ugha dh tk,axhA<br />

4-3 ;fn ;g ik;k x;k fd ,pvkbZ@chvkbZ }<strong>kjk</strong> vuqnku jkf'k dk vFkok ml<strong>ds</strong> fdlh Hkkx dk bl ,xzhesaV <strong>ds</strong> [kaM (2) esa<br />

fuËkkZfjr mÌs'; <strong>ds</strong> fy, mi;ksx ugha fd;k x;k gS vFkok vuqnku ls izkIr dh xbZ fdlh Hkh ifjlaifŸk dk fuiVku ljdkj<br />

dh iwokZuqefr <strong>ds</strong> cxSj fd;k x;k gS] rks ljdkj dks cxSj fdlh vU; vfËkdkj lacaËkh iwokZxzg <strong>ds</strong> bl le>kSrs dks jÌ djus<br />

dk vfËkdkj gSA<br />

5-0 fookn fuiVku<br />

5-1 fdlh Hkh fookn dk fuiVku fctusl <strong>bUD</strong>;wcsVj <strong>ds</strong> dk;Zdkjh izeq[k <strong>ds</strong> gLr{ksi ,<strong>oa</strong> lgk;rk <strong>ds</strong> ekË;e ls ikfVZ;ksa <strong>ds</strong><br />

chp ijLij lEefr ls fd;k tk,xkA ;fn fookn dk lekËkku ugha gks ikrk gS rks ekeys dks gksLV laLFkku <strong>ds</strong><br />

dk;Zdkjh izeq[k <strong>ds</strong> Ë;ku esa yk;k tk ldrk gSA ;fn fQj Hkh fookn dk lekËkku u gks l<strong>ds</strong> rks ekeys dks vij<br />

lfpo ,<strong>oa</strong> fodkl vk;qDr (,e,l,ebZ) <strong>ds</strong> le{k yk;k tk,xk ftudk fu.kZ; lHkh ikfVZ;ksa <strong>ds</strong> fy, vafre ,<strong>oa</strong><br />

ckË;dkjh gksxkA<br />

5-2 dksbZ Hkh fookn ftldk fuiVku ikfVZ;ksa <strong>ds</strong> chp ijLij lEefr ls ugha gks ldrk gS] dks lfpo] fofËk dk;Z foHkkx]<br />

fofËk ,<strong>oa</strong> U;k; ea=ky;] Hkkjr ljdkj }<strong>kjk</strong> ukfer eË;LFk dks eË;LFkrk ,<strong>oa</strong> lekËkku vfËkfu;e] 1996 <strong>ds</strong><br />

izkoËkku <strong>ds</strong> vuq:i eË;LFkrk <strong>ds</strong> fy, jsQj fd;k tk,xkA eË;LFkrk ,<strong>oa</strong> lekËkku vfËkfu;e] 1996 <strong>ds</strong> izkoËkku]<br />

tSls fd le;&le; ij la'kksfËkr fd, tkrs gSa] ykxw fd, tk,axsA ;g ekeyk fnYyh <strong>ds</strong> U;k;ky;ksa <strong>ds</strong> vfËkdkj {ks=<br />

esa gksxkA<br />

6-0 uksfVl<br />

6-1 lHkh izdkj <strong>ds</strong> i=O;ogkj <strong>ds</strong> fy, ikfVZ;ksa dk irk bl izdkj gS%<br />

ljdkj <strong>bUD</strong>;wcsVj<br />

vij fodkl vk;qDr ,<strong>oa</strong> laLFkku izeq[k vFkok<br />

vkfFkZd lykgdkj dk;kZy; (,e,l,ebZ) mldk ukWfeuh ftl<strong>ds</strong> rgr<br />

fodkl vk;qDr dk;kZy; (,e,l,ebZ)] chvkbZ xfBr fd;k x;k gS<br />

7oka ry] fuekZ.k Hkou]<br />

ubZ fnYyh&110 108<br />

6-2 mijksDr irs ij izh&isM jftLVMZ iksLV vFkok LihM iksLV }<strong>kjk</strong> Hksts x, vFkok fMyhojh dh iqf"V lfgr QSDl }<strong>kjk</strong> vFkok<br />

bZ&esy }<strong>kjk</strong> Hksts x, lHkh uksfVlksa dks ,Mslh }<strong>kjk</strong> ,Mslh dh vksj ls fMyhojh djus@izkIr djus dh le;lhek <strong>ds</strong> Hkhrj


UD;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

izkIr djus vfuok;Z gksaxsA irs esa fd;k x;k dksbZ Hkh ifjorZu rc rd oSËk ugha gksxk tc rd fdlh vU; ikVhZ }<strong>kjk</strong> mldh<br />

iqf"V ugha dh tkrhA<br />

ftl<strong>ds</strong> lk{; esa bl le>kSrs <strong>ds</strong> fy, Hkyh Hkkafr vfËkd`r fd, tk jgs i{kksa <strong>ds</strong> izfrfufËk;ksa us vius dk;Zdkjh fuËkkZfjr dj<br />

fn, gSa vkSj fu;qDr dj fn, gSa tks bl µµµµµµµµµµ fnu µµµµµµµµµµ ekg 20 µµµµµ dks mifLFkr gSaA<br />

Hkkjr <strong>ds</strong> jk"Vifr <strong>ds</strong> fy, ,<strong>oa</strong> mudh vksj ls<br />

vij fodkl vk;qDr<br />

vij fodkl vk;qDr ,<strong>oa</strong> laLFkku izeq[k vFkok<br />

vkfFkZd lykgdkj (,e,l,ebZ)] mldk ukWfeuh ftl<strong>ds</strong> rgr<br />

fodkl vk;qDr dk;kZy; (,e,l,ebZ)] chvkbZ xfBr fd;k x;k gS<br />

7oka ry] fuekZ.k Hkou]<br />

ubZ fnYyh&110 108<br />

lk{kh % lk{kh %<br />

lk{kh % lk{kh %<br />

19


1- izkFkhZ lwpuk<br />

20<br />

<strong>bUD</strong>;wcsVh@m|eh dk izkFkZuk i=<br />

(d) vH;FkhZ (m|eh) dk uke %<br />

([k) vk;q %<br />

(x) 'kS{kf.kd ;ksX;rk %<br />

(?k) Mkd dk irk %<br />

(≥) nwjHkk"k@eksckby %<br />

(p) QSDl %<br />

(N) bZesy %<br />

(t) osclkbZV (;fn gks) %<br />

(>) orZeku O;kolkf;d@jkstxkj fLFkfr %<br />

2- daiuh lwpuk<br />

(d) D;k vkius dksbZ daiuh iathd`r dh gS] C;kSjk nsa %<br />

([k) vH;FkhZ daiuh@QeZ dk uke %<br />

(x) tgka ls daiuh izpkfyr gks jgh gS mldh vofLFkfr %<br />

(?k) fctusl <strong>bUD</strong>;wcsVj@estcku laLFkku <strong>ds</strong> lkFk lacaËk %<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

(≥) daiuh dk {ks= % eSU;wQSDpfjax@lfoZlsl<br />

(p) IykaV vkSj e'khujh esa fuos'k (fofuekZ.k {ks= <strong>ds</strong> fy,)@ % (#- µµµµµµµµ yk[kksa esa)<br />

miLdj esa fuos'k (lsok {ks+= esa)<br />

(N) daiuh dk izdkj % ekbÿks@LekWy@ehfM;e<br />

http://www.dcmsme.gov.in./ssiindia/defination_msme.htm<br />

ij ifjHkk"kk nh xbZ gS<br />

3- ifj;kstuk lwpuk<br />

(d) izLrkfor fopkj@uokpkj dk C;kSjk %<br />

(d1) izkS|ksfxdh@uokpkj dk 'kh"kZ %<br />

ifjf'k"V&I


UD;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

(d2) izkS|ksfxdh@uokpkj dh Js.kh (izfÿ;k@mRikn@<br />

u;k vuqiz;ksx@vU; C;kSjk fy[ksa)<br />

%<br />

(d3) D;k fopkj esa ekStwnk ckSfºd lEink dk iz;ksx<br />

'kkfey gS] ml<strong>ds</strong> Lokeh rFkk uokpkj <strong>ds</strong> lzksr<br />

dh O;oLFkk rFkk bl<strong>ds</strong> O;kolk;hdj.k dh<br />

'krks± dk C;kSjk nsa<br />

%<br />

(d4) m|ksx@cktkj esa vuqiz;ksx <strong>ds</strong> laHkkfor {ks= dk<br />

mYys[k djsa<br />

%<br />

(d5) vfHkuo dh oSf'k"Vrk@vfHkuork dk mYys[k<br />

djsa (vPNk dk;Z fu"iknu@ubZ fo'ks"krk,a@lqËkkj)<br />

%<br />

(d6) cktkj esa iwoZ ls gh D;k ekStwn gS\ cktkj laHkkouk<br />

D;k gS\ cktkj esa ;g D;k ewY;oËkZu djsxk\<br />

([k) uokpkj dh pkyw fodkl fLFkfr<br />

%<br />

([k1) uokpkj@mRikn ;k iznku dh tkus okyh lsok<br />

dh pkyw fodkl fLFkfr D;k gS (D;k vHkh ,d<br />

fopkj gS vFkok izkjaHk djus dks rS;kj gS)<br />

%<br />

([k2) fopkj dh rS;kjh dk Lrj<br />

(http://en.wikipedia.org/wiki/technology_readiness_level<br />

<strong>ds</strong> vuqlkj)<br />

%<br />

([k3) QhYM VsfLVax <strong>ds</strong> fy, vafre mi;ksxdrkZ <strong>ds</strong><br />

fy, rS;kj uokpkj <strong>ds</strong> iw.kZ :i ls fodflr gksus<br />

dh le;kofËk dk eghuksa esa mYys[k djsa<br />

%<br />

(x) foŸkh; vko';drk,a<br />

(x1) uokpkj dks iz;ksx'kkyk ls cktkj rd ys tkus <strong>ds</strong><br />

fy, D;k vkidh O;kikj ;kstuk gS (vius [<strong>kq</strong>n <strong>ds</strong><br />

QkesZV esa O;kikj ;kstuk layXu djsa)<br />

%<br />

(x2) uokpkj dks cktkj <strong>ds</strong> fy, rS;kj dj nsus fy, % #-----------------fdl<br />

Lrj <strong>ds</strong> fufËk;u dh vko';drk gS ,evks,e,l,ebZ ea=ky; dh ;kstuk <strong>ds</strong><br />

rgr vkosnu fd;k<br />

(x3) d`i;k fÿ;kdyki okj czsdvi nsa (fÿ;kdyki]<br />

ftlesa fMtkbu izksVksVkbi fodkl@iz;ksx'kkyk@cSap<br />

L<strong>ds</strong>y mRiknu@O;kolkf;d lsok,a@fdjk, ij<br />

deZpkfj;ksa dks j[kuk@ijh{k.k@tkap@foi.ku@fofoËk)<br />

(;fn LFkku i;kZIr u gks rks vuqcaËkksa dk iz;ksx djsa)<br />

%<br />

21


4- vU; lacafËkr lwpuk,a<br />

5- vU;<br />

22<br />

(d) D;k vkidh vfHkuo ifj;kstuk esa dksbZ ny %<br />

lnL;@lk>snkj vkSj vuqHkoh ijke'kZnkrk@<br />

ekxZn'kZd gS] ;fn gS rks iw.kZ irk] Qksu ,<strong>oa</strong><br />

bZesy lfgr uke nsa)<br />

([k) ntZ fd, gq,@Lohd`r isVsaV dh lwpuk %<br />

(x) vfHkuo <strong>ds</strong> lacaËk esa dksbZ iqjLdkj@ekU;rk %<br />

(?k) dksbZ vU; lwpuk tks vki gesa nsuk pkgrs gSa] %<br />

tks gesa vki<strong>ds</strong> vkosnu ij fu.kZ; djus esa<br />

ennxkj gks<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

eSa&&&&&&&&&&&&&&&&&&&&&&&&&izekf.kr djrk@djrh gaw fd vkosnu QkeZ dh en 1&4 esa nh xbZ lwpuk lR;]<br />

iw.kZ rFkk esjh tkudkjh esa lcls mfpr gSA<br />

fnukad ,<strong>oa</strong> LFkku%<br />

6- izs"k.k laLFkk dh flQkfj'ksa%<br />

(D;k vkosnu LFkkuh; Lrj ij tkapk x;k rFkk ewY;kafdr fd;k x;kA C;kSjk nsa)<br />

fnukad ,<strong>oa</strong> LFkku%<br />

laLFkku dh eksgj<br />

vkosnd <strong>ds</strong> gLrk{kj<br />

izËkku <strong>ds</strong> gLrk{kj


UD;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

gksLV laLFkku@fctusl <strong>bUD</strong>;wcsVj vkSj <strong>bUD</strong>;wcsVh <strong>ds</strong> chp le>kSrk<br />

ifjf'k"V&II<br />

^^buD;<strong>wcsVjksa</strong> <strong>ds</strong> ekË;e ls ,l,ebZ <strong>ds</strong> m|ferk rFkk izcaËkdh; fodkl gsrq lgk;rk** iznku djus dh ;kstuk <strong>ds</strong> rgr<br />

;g le>kSrk bl µµµµµµµµµ frfFk <strong>ds</strong> µµµµµµµµ (ekg) 20 µµµñµµ dks<br />

igys i{k <strong>ds</strong> µµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµ (;gka<br />

bl<strong>ds</strong> ckn ls gksLV laLFkku@fctusl <strong>bUD</strong>;wcsVj] vfHkO;fDr ftlesa tc rd lanHkZ <strong>ds</strong> vFkZ esa vlaxr u gks] bl<strong>ds</strong> mŸ<strong>kjk</strong>fËkdkjh]<br />

iz'kkld ,<strong>oa</strong> fu"iknd 'kkfey gksaxs] <strong>ds</strong> :i esa tkuk tk,xk)<br />

vkSj<br />

nwlj i{k <strong>ds</strong> µµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµµ (;gka<br />

bl<strong>ds</strong> ckn ls <strong>bUD</strong>;wcsVh] vfHkO;fDr ftlesa tc rd lanHkZ <strong>ds</strong> vFkZ esa vlaxr u gks] bl<strong>ds</strong> mŸ<strong>kjk</strong>fËkdkjh] iz'kkld ,<strong>oa</strong> fu"iknd<br />

'kkfey gksaxs] <strong>ds</strong> :i esa tkuk tk,xk)<br />

<strong>ds</strong> chp<br />

fd;k tkrk gSA<br />

1- izLrkouk<br />

tcfd gksLV laLFkku@fctusl <strong>bUD</strong>;wcsVj dks lekt <strong>ds</strong> ykHkkFkZ O;kolkf;d m|eksa dks ,d= djus vkSj c


24<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

lqfoËkkvksa (vkokl lacaËkh izHkkj] tuksi;ksxh lsok,a] vkfn) vkSj <strong>bUD</strong>;wcsVh dh vko';drkvksa rFkk os tks izcaËk lfefr }<strong>kjk</strong><br />

vuqeksfnr gSa] ij fuHkZj djrs gq, vU; ifj;kstuk ykxrksa <strong>ds</strong> fy, leFkZu iznku djuk 'kkfey gksxkA<br />

3-0 <strong>bUD</strong>;wcsVh dk nkf;Ro<br />

3-1 <strong>bUD</strong>;wcsVh dks ifj;kstuk pykus esa yxh lHkh ykxrksa dk nLrkosth lk{; (bUokW;l vkSj jlhnsa) j[kuh gksaxh rFkk mUgsa<br />

fu;fer vkËkkj ij fctusl <strong>bUD</strong>;wcsVj dks izLrqr djuk gksxkA<br />

3-2 <strong>bUD</strong>;wcsVh dks dqy ifj;kstuk ykxr dk U;wure 15 izfr'kr (lw{e m|eksa <strong>ds</strong> fy,) vFkok 25 izfr'kr (y?<strong>kq</strong> m|eksa <strong>ds</strong><br />

fy,) dk va'knku djuk gksxkA <strong>bUD</strong>;wcsVh <strong>ds</strong> bl vis{kk dks iwjk u dj ikus dh fLFkfr esa fctusl <strong>bUD</strong>;wcsVj viuk leFkZu<br />

okil ysus <strong>ds</strong> fy, Lora= gksxkA<br />

4-0 lkekU;<br />

4-1 nksuksa i{k bl le>kSrs dks le>kSrs dh frfFk ls 365 fnuksa dh vofËk <strong>ds</strong> ckn nwljs i{k dks vius lekiu <strong>ds</strong> ,d ekg dk<br />

vfxze uksfVl nsdj fdlh Hkh fcUnq ij lekIr dj ldrs gSaA<br />

4-2 ,d nwljs <strong>ds</strong> izfr nkoksa <strong>ds</strong> fuiVku <strong>ds</strong> vËkhu bl le>kSrs dh lekfIr dk vFkZ gksxk fd nksuksa gh i{k lekiu dh frfFk ls<br />

vius nkf;Roksa ls eqDr gksaxsA<br />

4-3 ikfVZ;ksa dks bl le>kSrs esa 'kkfey vfËkd<strong>kjk</strong>sa] nkf;Roksa] fucaËku ,<strong>oa</strong> 'krks± ls lacafËkr fdlh Hkh fookn dk fuiVku ln~Hkkouk<br />

dh n`f"V ls ikjLifjd ckrphr ls djus dk iz;kl djuk gksxkA rFkkfi ;fn fookn dk lekËkku ugha gks ikrk gS rks ,sls<br />

fooknksa esa izcaËk lfefr }<strong>kjk</strong> eË;LFkrk dh tk,xhA lfefr dk fu.kZ; vafre ,<strong>oa</strong> ekU; gksxkA<br />

4-4 ,d vFkok ,dkfËkd vizR;kf'kr ?kVukvksa] tSls fd ijUrq bl rd lhfer ugha] bZ'ojh;] ;qº] ckkSrs <strong>ds</strong> rgr fdlh Hkh i{k dks vius lacafËkr<br />

nkf;Roksa dks iwjk u dj ikus <strong>ds</strong> fy, mŸkjnk;h ugha Bgjk;k tk,xk] vxj ,slh fdlh izdkj dh ?kVuk dh iqujko`fŸk gksrh gS<br />

vFkok var gksrk gS rks ml<strong>ds</strong> dkj.k izHkkfor i{k dks ,slh iqujko`fŸk ,<strong>oa</strong> var <strong>ds</strong> ,d ekg <strong>ds</strong> Hkhrj nwljs i{k dks fyf[kr<br />

esa ,d uksfVl nsuk gksxkA ;fn ladVdky dh ;g fLFkfr Ng ekg ls vfËkd cuh jgrh gS rks nksuksa i{kksa dks Hkfo"; lacaËkh<br />

dk;Zokgh <strong>ds</strong> ckjs esa vkilh rkSj ij fu.kZ; djuk gksxkA<br />

bl<strong>ds</strong> lk{; esa i{kksa us ;gka mijksDr mfYyf[kr frfFk dks bl le>kSrs ij gLrk{kj djus <strong>ds</strong> fy, vius izkfËkd`r izfrfufËk;ksa dks<br />

fufeŸk cuk;k gSA<br />

;g le>kSrk bl µµµµµµµµµ frfFk <strong>ds</strong> µµµµµµµµ ekg 20 µµµñµµ dks gLrk{kfjrA<br />

gksLV laLFkku@fctusl <strong>bUD</strong>;wcsVj <strong>bUD</strong>;wcsVh <strong>ds</strong> fy, ,<strong>oa</strong> dh vksj<br />

<strong>ds</strong> fy, ,<strong>oa</strong> dh vksj ls ls<br />

uke % uke %<br />

inuke % inuke %<br />

Mkd dk irk % Mkd dk irk %<br />

nwjHkk"k % nwjHkk"k %<br />

bZ&esy % bZ&esy %


I- dk;Zdkjh lkj<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

ifj;kstuk izLrko tek djus <strong>ds</strong> fy, gksLV laLFkkuksa@fctusl <strong>bUD</strong>;<strong>wcsVjksa</strong> dk izksQkekZ<br />

d`i;k fuEuksDr la{ksi esa iznku djsa (nks i`"Bksa ls vfËkd ugha)%<br />

● fctusl <strong>bUD</strong>;wcsVj dk mÌs';<br />

● cy dk {ks=<br />

● ifjdfYir dk;Zdyki<br />

II- laLFkkfud lwpuk<br />

1) laidZ O;fDr <strong>ds</strong> uke ,<strong>oa</strong> irs lfgr laLFkku dk uke<br />

2) LFkkiuk dk o"kZ<br />

3) i= O;ogkj <strong>ds</strong> fy, irk lfgr laLFkku izeq[k dk uke<br />

vuqcaËk&IV<br />

4) izLrkfor fctusl <strong>bUD</strong>;wcsVht <strong>ds</strong> fy, esaVj@xkbM (ml<strong>ds</strong> vdknfed dk;ks±] izdk'kuksa] fof'k"Vhdj.k <strong>ds</strong> {ks= rFkk<br />

chvkbZ funsZ'ku esa mldk vuqHko fn;k tkuk gS)<br />

5) fdlh fo'ofo|ky; vFkok jk"Vh; laxBu ls laLFkkfud lacºrk dk mYys[k djsa<br />

6) v<strong>ds</strong>Msfed (vkS|ksfxd) foHkkxksa@ladk;ksa dh la[;k<br />

7) f'k{k.k ,<strong>oa</strong> vuqlaËkku ladk;ksa dh dqy la[;k<br />

8) ih,pMh ;ksX;rk okys ladk;ksa dh la[;k<br />

9) m|ferk lacaËkh i`"BHkwfe@:fp okys ladk;ksa dh la[;k<br />

10) fiNys rhu o"kks± esa fd, x, vkS|ksfxd vuqlaËkku ,<strong>oa</strong> fodkl@ijke'khZ dk;Z] ;fn dksbZ gksA<br />

o"kZ dk;ks± dh la[;k orZeku fLFkfr<br />

(iw.kZ vFkok viw.kZ)<br />

fMtkbu ijh{k.k vU;<br />

25


26<br />

11) fiNys rhu o"kks± esa vkjaHk fd, x, m|ferk fodkl dk;Zdykiksa dh la[;k] ;fn dksbZ gks<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe<br />

o"kZ ikB~;ÿe dk;Z'kkyk,a@laxksf"B;ka@ vk;ksftr m|eh ysDpj<br />

lEesyu fo|kFkhZ<br />

izfr;ksfxrk,a<br />

III- fctusl <strong>bUD</strong>;wcs'ku esa foxr vuqHko<br />

(d) fodflr@la'kksfËkr mRiknksa vFkok izkS|ksfxfd;ksa dh lwph vkSj D;k mldk okf.kT;hdj.k fd;k x;k gSA<br />

([k) ubZ izkS|ksfxdh <strong>ds</strong> okf.kT;hdj.k dh fLFkfr<br />

(x) izkIr fd, x, ckSfºd laink vfËkdkj] ;fn dksbZ gksaA<br />

IV- vkËkkjHkwr lajpuk dh miyCËkrk<br />

(d) midj.kksa dh miyCËkrk<br />

midj.k dk uke midj.k dh vk;q ,<strong>oa</strong> fLFkfr miyCËkrk (iwjs le; <strong>ds</strong> fy,<br />

gS vFkok ugha)<br />

([k) chvkbZ <strong>ds</strong> fy, fdruk fcYV&vi {ks= (oxZ QqV esa) miyCËk gksxk\<br />

(x) m|ksxksa rFkk m|e foŸk <strong>ds</strong> lkFk laidZ<br />

V- layXu<br />

fuEuksDr lqfuf'pr djus <strong>ds</strong> fy, laLFkku izeq[k ls fuEuksDr izek.ki= layXu djsa%<br />

l chvkbZ <strong>ds</strong> fy, oLrqvksa tSls fd QfuZ'M fcfYMax] QuhZpj] tuksi;ksxh lqfoËkk,a] dk;kZy;hu midj.kksa] vkfn <strong>ds</strong><br />

fy, Lohd`r lg;ksx izkIr djus <strong>ds</strong> fy, gksLV laLFkkuksa ls izfrcºrkA<br />

l chvkbZ <strong>ds</strong> mfpr dk;kZUo;u ,<strong>oa</strong> lqpk: dk;Z <strong>ds</strong> fy, mŸkjnkf;RoA<br />

fnukad ,<strong>oa</strong> LFkku %<br />

laLFkku izeq[k <strong>ds</strong> gLrk{kj<br />

,<strong>oa</strong> eqgj


fVIi.kh<br />

<strong>bUD</strong>;<strong>wcsVjksa</strong> <strong>ds</strong> }<strong>kjk</strong> y?<strong>kq</strong> ,<strong>oa</strong> e/;e m|eksa <strong>ds</strong> m|ferk ,<strong>oa</strong> izcaËkdh; fodkl <strong>ds</strong> fy, lg;ksx gsrq ;kstuk<br />

27


28<br />

fVIi.kh<br />

jk"Vh; fofuekZ.k izfrLi/kkZRedrk dk;Zÿe

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