Yes Bank 1693-H (Product Annexure-Final).cdr

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1 (Ho$db ~ H$ Ho$ Cn`moJ Ho$ {be) Q > H$a AmB S>r: AmdoXZ H$s {V{W : {X {X _m _m d d d d emim H$moS>: emim H$m Zm_ : (Ho$db ~ H$ Ho$ Cn`moJ Ho$ {be) CËnmX H$moS>, ImVm g»`m, {~qbj H$moS> Am a Q > qh$j H$moS> Amd Q>Z : ImVm CËnmX H$moS>* ImVm Z ~a `{X bmjy hmo Vmo Amd {Q>V H$a ImVm 1 Ho$ {be ImVm 2 Ho$ {be ImVm 3 Ho$ {be Q > qh$j H$moS> (àmo_mo H$moS> I) {~qbj H$moS> (àmo_mo H$moS> II) ImVo H$m àh$ma INR Am a FCY _, EH$ hr \$m _ Ho$ _mü`_ go A{YH$V_ 3 ImVo Imobo Om gh$vo h. g^r ImVm H$mo EH$ hr J«mhH$ AmB S>r Ho$ A VJ V Imobm OmZm Mm{hE Am a g^r ImVm _ n[ammbz H$m VarH$m EH$ hr hmozm Mm{hE ImVm àh$ma (Ohm± bmjy hmo, N>m`m {H$V H$a ) ImVm H$s g»`m (INR Am a FCY _ A{YH$V_ 3 ImVo) ImVm 1 (FCY ImVm Ho$ {be _wðm Ho$ àh$ma # H$m CëboI H$a ) ImVm 2 (FCY ImVm Ho$ {be _wðm Ho$ àh$ma # H$m CëboI H$a ) ImVo 3 (FCY ImVm Ho$ {be _wðm Ho$ àh$ma # H$m CëboI H$a ) ì`pšv`m Ho$ {be ~MV ImVm INR INR INR ~MV dovz ImVm dovz à{vny{v ImVm >(SA) dovz à{vny{v ImVm >(CA) ì`pšv`m Ho$ {be Mmby ImVm INR INR INR INR INR INR INR INR INR INR INR INR RFC O_m FCY FCY FCY # FCY _wðm àh$ma Ho$ CXmhaU- USD, EURO, GBP, SGD, AUD Am{X. Ho$db `og àmñno[aq>r J«mhH$m Ho$ {be bmjy ImVm 1 ImVm 2 ImVm 3 Am gv eof-am{e eof-am{e ~ZmE aizo H$s Amd {Îm (1)

2 bzo XZo H$m ñdê$n - INR (Jm«hH$ AmBS >r H$o ^rva g^r ImVm _) *: ZH$X O_m (_m{gh$) (INR) eyý` < 2 bmi 2-10 bmi > 10 bmi ZH$X {ZH$mgr (_m{gh$) (INR) eyý` < 2 bmi 2-10 bmi > 10 bmi Am V[aH$ {dxoer YZ-àofU (_m{gh$) (USD) eyý` < 2 bmi 2-10 bmi > 10 bmi ~mhar {dxoer YZ-àofU (_m{gh$) (USD) eyý` < 2 bmi 2-10 bmi > 10 bmi boz-xozm H$s AZw_m{ZV g»`m (Ì _m{gh$) > 50 ì`pšvjv {ddau* àw_ AmdoXH$ àw_ Zm Ü` Zm_ A {V_ Zm_ {ÛVr` AmdoXH$/A{^^mdH$ V Vr` AmdoXH$ A{YXoe YmaH$ àw_ AmdoXH$ H$s J«mhH$ AmB S>r {ÛVr` AmdoXH$ H$s J«mhH$ AmB S>r V Vr` AmdoXH$/A{YXoe YmaH$ H$s J«mhH$ AmB S>r AZoH$ µ\$m`xm _ go MwZ Am a AnZm ñd` H$m ~MV ImVm V `ma H$a * *Ho$db {Zdmgr ì`pšv`m Ho$ AZwHy${bV H$aZo `mo½` ~MV ImVo Ho$ {be bmjy: A{YH$ {ddau Ho$ {be à^mam H$s AZwgyMr XoI. A{Zdmgr ^mavr` J«mhH$m Ho$ {be bmjy Zht emim ~ qh$j Ho$ µ\$m`xo ~MV dovz ImVo Ho$ {be amoojma H$s nw{ï> : {S>{OQ>b ~ qh$j Ho$ µ\$m`xo n[adma H$mo {_bzo dmbo bm^m Ho$ µ\$m`xo h_ Bg ~mv H$s nw{ï> H$aVo h {H$ gramb E\$ (H$ñQ>_a-Am Z ~mo{s>ªj \$m _ ) _ {XE JE {ddau {Og_ \$moq>moj«m\$, hñvmja/nìmmma H$m nvm Am a ñwmb nvm em{_b h, CŠV H$_ Mmar Ho$ h Am a CgH$m H$_ Mmar H$moS> h EQ>rE_ Cn`moJ Ho$ µ\$m`xo A{YH $V hñvmjah$vm H$m Zm_: _wha Am a {V{W Ho$ gmw hñvmja {X {X _m _m d d d d A{YH $V hñvmjah$vm Ho$ hñvmja So>{~Q> H$mS> (So>{~Q> H$mS> Ho$ {be AmdoXZ H$aZo Ho$ {be, H $n`m AnZr ng X na {ZemZ bjme±), {ZJ _Z/So>{~Q> H$mS> Ho$ {be `Wm bmjy dm{f H$ ewëh$ (H $n`m na Xam Am a à^mam H$m AZw^mJ XoI ) àw_ AmdoXH$ {ÛVr` AmdoXH$ V Vr` AmdoXH$ So>{~Q> H$mS> H$s Amdí`H$Vm h So>{~Q> H$mS> H$s Amdí`H$Vm h So>{~Q> H$mS> H$s Amdí`H$Vm h hm± Zht hm± Zht hm± Zht (2)

3 `{X hm±, Vmo AnZr ng X H$m So>{~Q> H$mS> MwZ : A Vam ï >r` + Kaoby Kaoby AmdoXH$ H$m {ddau dm`nr Q>mBQ>o{Z`_ dm`nr Q>mBQ>o{Z`_ ßbg dm`nr ßbo{Q>Z_ dm`nr {~OZog JmoëS> dm`e\$ dës> ** `og àr_r`m* dm`e\$ {~OZog dm`nr ê$no ßbo{Q>Z_ nhbm Xÿgam Vrgam dm`nr `og àmñno[aq>r h Am a dm`e\$ `og \$ñq> h nre_oos>rdmb `moozm Am a {H$gmZ ~MV ImVo Ho$ A VJ V Imobo JE ImVm H$mo {S>µ\$m ëq> H$mS> Omar {H$`m OmEJm *`og àr_r`m J«mhH$m Ho$ {be, Ho$db `og àr_r`m H$mS> bmjy h **`og \$ñq> J«mhH$m Ho$ {be, Ho$db `og \$ñq> H$mS> bmjy h So>{~Q> H$mS> na _w{ðv {H$`m OmZo dmbm Zm_ : (Cn Zm_ Zht hmozm Mm{hE, A{YH$V_ 19 Ajam VH$ hmozm Mm{hE) àw_ AmdoXH$ {ÛVr` AmdoXH$ V Vr` AmdoXH$ MmW r np ŠV C^ar hbþ So>{~Q> H$mS> na A Vam ï >r` Am a Kaoby gr_mam H$m IwXam ZoQ> ~ qh$j Ho$ _mü`_ go à~ YZ {H$`m Om gh$vm h Am a gmw hr emimam Ho$ _mü`_ go ^r AZwamoY {H$`m Om gh$vm h IwXam ZoQ>~ qh$j, AbQ> Am a {dda{uh$m Ho$ {be EŠgog {ddau (bmjy H$aZo Ho$ {be M`Z H$a ) àw_ AmdoXH$ {ÛVr` AmdoXH$ V Vr` AmdoXH$ IwXam ZoQ> ~ qh$j* Amdí`H$Vm h Amdí`H$Vm h Amdí`H$Vm h (g^r So>{~Q> H$mS> YmaH$m H$mo Xr JB {S>µ\$m ëq> nhþ±m) *EH$b {nz EŠgog nhbr ~ma ZoQ>~ qh$j Am a \$moz ~ qh$j _ bm J BZ H$aZo Ho$ {be So>{~Q> H$mS> {nz H$m Cn`moJ H$aZm g ^d ~ZmVm h. `{X AmnZo So>{~Q> H$mS> Ho$ {be AZwamoY Zht {H$`m h Vmo Ho$db ZoQ>~ qh$j {nz Ho$ {be AZwamoY H$a. {Zdmgr ì`pšv Ad`ñH$ ImVm Ho$ {be, IwXam ZoQ>~ qh$j Ho$ A VJ V {S>µ\$m ëq> ê$n go Ad`ñH$ H$mo XoIZo H$s nhþ±m àxmz H$s OmEJr. ^m {VH$ {ddau** Amdí`H$ h **dm`nr J«mhH$- _m{gh$ B -{ddau Am a dm{f H$ ^m {VH$ {ddau àw_ AmdoXH$ H$s J«mhH$ AmB S>r go Ow S>o g^r ImVm Ho$ {be {S>µ\$m ëq> ê$n go Omar {H$E OmE Jo. AZwamoY {H$E OmZo na (D$na) Ì _m{gh$ ^m {VH$ {ddau Omar {H$E OmE Jo. n`m dau AZwHy$b H$dm`X Ho$ ê$n _, ~ H$ Ho$db B -{ddau H$m Cn`moJ H$aZm Omar aizm àmoëgm{hv H$aVm h. **dm`e\$/àr{_`m J«mhH$- _m{gh$ B -{ddau Am a dm{f H$ ^m {VH$ {ddau àw_ AmdoXH$ H$s J«mhH$ AmB S>r go Ow S>o g^r ImVm Ho$ {be {S>µ\$m ëq> ê$n go Omar {H$E OmE Jo. AZwamoY {H$E OmZo na (D$na) _m{gh$ ^m {VH$ {ddau Omar {H$E OmE Jo. n`m dau AZwHy$b H$dm`X Ho$ ê$n _, ~ H$ Ho$db B -{ddau H$m Cn`moJ H$aZm Omar aizo H$mo àmoëgm{hv H$aVm h. AbQ> # (_mo~mbb Z ~a Am a B _ob AmB S>r A{Zdm` h ) Amdí`H$Vm h Amdí`H$Vm h Amdí`H$Vm h #ZoQ>~ qh$j Ho$ _mü`_ go EgE_Eg Am a B _ob AbQ> Ho$ {be gxñ`vm Am a XhbrO gr_m _ AZwdVu g emoyz ^r {H$`m Om gh$vm h. CÀM gr_m am{e/amd {Îm {ZYm [av H$aZo Ho$ {be Bgo ~ H$ H$mo gy{mv H$a. ({S>µ\$m ëq>- {d{z`m_h$, 5000/- Am a A{YH$ So>{~Q>/H«o${S>Q>, gmßvm{hh$ ImVm eof, ImVo (ImVm ) _ dovz H«o${S>Q> Am a A{Y{dH$f AbQ> ) g Mma H$s ng XrXm ^mfm qhxr A J«oOr _amr>r JwOamVr n Om~r ~ Jmbr C{ S>`m H$ÝZS> VobwJw V{_b _b`mb_ (3)

4 ImVm àmmbz {ZX}e* EH$b {H$gr EH$/H$moB ^r `m CÎmaOrdr g^r Ûmam g `wšv ê$n go (So>{~Q>/EQ>rE_ H$mS> /ZoQ>~ qh$j/_mo~mbb ~ qh$j EŠgog Omar Zht {H$`m OmEJm) ñd àmmbh$ Ad`ñH$ Ý`m`mb` Ûmam {Z`wŠV A{^^mdH$ Ûmam g Mm{bV Ad`ñH$ ImVm {dîmnmofu {ddau (ZH$Xr go ImVm ImobZo Ho$ {be, J«mhH$ H$mo ImVm ImobZo dmbr emim _ hr ì`{º$jv ê$n go ZH$Xr O_m H$aZm hmojm) am{e. _wðm àh$ma eyý` VarH$m ({H$gr EH$ H$m M`Z H$a ) EZB E\$Q>r/AmaQ>rOrEg (22 A H$ Ho$ `yq>rama H$m CëboI H$a ) ZH$Xr g X^ OrEb go OrEb ZH$X hñvm VaU n Or g. (Ho$db emim Ho$ Cn`moJmW ) MoH$ H«$mg {H$`m J`m AmXmVm ImVm MoH$ hmozm Mm{hE Am a ''`og ~ H$ {b{_q>os> ImVm J«mhH$ H$m Zm_'' H$mo Xo` Amh[aV hmozm Mm{hE. - MoH$ g»`m - MoH$ H$s {V{W - go MoH$ (g ~ {YV d Îm N>m`m {H$V H$a ) - (~ H$ H$m Zm_) na Amh[aV MoH$ {X {X _m _m d d d d IwX H$m ImVm V Vr` nj ^yvnyd `m CÎmaOrdr A{^^mdH$ Ûmam g Mm{bV Ad`ñH$ ImVm So>{~Q> `og ~ H$ ImVm (ImVm g»`m H$m CëboI H$a ) àw_ AmdoXH$ Ho$ hñvmja Aën_d` H$s pñw{v _, A{^^mdH$ Ho$ hñvmja H$s Amdí`H$Vm h {ÛVr` AmdoXH$ Ho$ hñvmja V Vr` AmdoXH$ Ho$ hñvmja {XZm H {X {X _m _m d d d d {XZm H {X {X _m _m d d d d {XZm H {X {X _m _m d d d d (4)

5 \$m _ S>rE1/Zm_m H$Z \$m _ (H $n`m CnbãY {dh$ënm _ go EH$ MwZ ) Ho$db ì`pšv`m Ho$ {be bmjy h hm±, _wpo/h_ ~ H$ O_mAm Ho$ g ~ Y _ ~ qh$j {d{z`_z A{Y{Z`_, 1949 H$s Ymam 45ZA Am a ~ qh$j H $n{z`m (Zm_m H$Z) {Z`_, 1985 Ho$ {Z`_ 2(1) Ho$ A VJ V Zm_m H$Z H$s Amdí`H$Vm h. Zht, _ /h_ Bg ~mv H$s nw{ï> H$aVm/H$aVr hÿ±/h$avo h {H$ _wpo/h_ `og ~ H$ Ho$ A{YH$mar Ûmam _oao/h_mao ~ H$ ImVo _ Zm_m H$Z gw{dym Ho$ bm^m Ho$ ~mao _ g_pm`m J`m h. hmbm±{h$, _ /h_ {Z{X ï> H$aVm/H$aVr hÿ±/h$avo h {H$ CŠV bm^m H$s ì`m»`m Ho$ ~mdoyx, _ /h_ {H$gr ^r ì`pšv H$mo ImVo _ Zm_m {H$V Zht H$aZm MmhVm/MmhVr hÿ±/mmhvo h. Amngo AZwamoY h {H$ H $n`m Zm_m H$Z gw{dym Ho$ {~Zm _oam/h_mam/ad`ñh$ H$m ImVm ImobZo H$m \$m _ g gm{yv H$a.****. _/ h_ Zm_ Am a nvm {ZåZ{bpIV ì`pšv H$mo Zm_m {H$V H$aVm/H$aVr hÿ±/h$avo h, {Ogo _oar/h_mar/ad`ñh$ H$s _ Ë`w H$s pñw{v _ ImVo _ O_m am{e `og ~ H$ {b{_q>os> Ûmam bm Q>mB Om gh$vr h, {OgH$m {ddau ZrMo {X`m J`m h. O_m/ImVm A{V[aŠV {ddau, `{X H$moB hmo àh ${V Zm_m {H$V ì`pšv H$m J«mhH$ AmB S>r (`{X bmjy hmo) Zm_m {H$V ì`pšv H$m Zm_ (Zm_m H$Z Ho$db {H$gr ì`pšv Ho$ nj _ hmozm Mm{hE) nvm O_mH$Vm Ho$ gmw g ~ Y, `{X H$moB hmo `{X Ad`ñH$ h, Zm_m {H$V ì`pšv H$s OÝ_ {V{W _ /h_ lr/lr_vr/hw$_mar (Zm_) {X {X _m _m d d d d Am`w *My±{H$ Zm_m {H$V ì`pšv Bg {V{W H$mo Ad`ñH$ h, AV: Am`w (nvm) Zm_m {H$V ì`pšv H$s Ad`ñH$Vm H$mo Xm amz _oar/h_mar/ad`ñh$ H$s _ Ë`w H$s pñw{v _ Zm_m {H$V ì`pšv Amoa go ImVo _ O_m H$s am{e àmßv H$aZo Ho$ {be {Z`wŠV H$aVm/H$aVr hÿ±/h$avo h. _ AnZo Zm_m {H$V ì`pšv H$m Zm_ gmd[y O_m g kmnz/imvm {ddau Am a/`m AÝ` XñVmdoOm /nìm na àx{e V {H$E OmZo Ho$ {be gh_v hÿ± gh_v Zht hÿ±. **àw_ AmdoXH$ Ho$ hñvmja/ A JyR>o H$m {ZemZ (A{^^mdH$ Ho$ hñvmja `{X AmdoXH$ Ad`ñH$ h ) {XZm H$: {X {X _m _m d d d d ñwmz: **{ÛVr` AmdoXH$ Ho$ hñvmja/ A JyR>o H$m {ZemZ **V Vr` AmdoXH$ Ho$ hñvmja/ A JyR>o H$m {ZemZ ***nhbo Jdmh Ho$ hñvmja Zm_ : Zm_ : nvm : nvm : Xÿgao Jdmh Ho$ hñvmja *`{X Zm_m {H$V ì`pšv Ad`ñH$ Zht h Vmo H$mQ> X. **Ohm Ad`ñH$ Ho$ Zm_ na O_m {H$`m OmVm h /ImVm aim OmVm h, Zm_m H$Z Ad`ñH$ H$s Amoa go H$mZyZZ H$m` H$aZo Ho$ hh$xma ì`pšv Ûmam hñvmj[av {H$`m OmZm Mm{hE. ***Jdmh Ho$ hñvmja H$s Ho$db Eogr pñw{v`m _ Amdí`H$Vm h Ohm± J«mhH$ Ûmam A JyR>o H$m {ZemZ àxmz {H$`m Om ahm h. ****`{X J«mhH$ Ûmam Zm_m H$Z H$m {dh$ën Zht MwZm OmVm h Vmo `h KmofUm A{Zdm` ê$n go àmßv H$s OmZr Mm{hE. (5)

6

7 (J«mhH$ A{^ñdrH ${V) & & & & & ~MV ~ H$ ImVm YZ H$s ~MV H$aZo H$s AmXV {dh${gv H$aZo Am a ^{dî` _ YZ H$s AnZr Amdí`H$Vm nyar H$aZo Ho$ {be ì`pšvjv J«mhH$m H$s ghm`vm H$aZo Ho$ {be V `ma {H$`m J`m h. {ZH$mgr nmu/àofu/moh$/so>{~q>/eq>re_ H$mS> /B Q>aZoQ> ~ qh$j/_mo~mbb ~ qh$j Ho$ _mü`_ go BZ ImVm _ /go am{e O_m H$s/{ZH$mbr Om gh$vr h. nmì ì`pšv (ì`pšv`m ) Am a ^mavr` [aod ~ H$ (Ama~rAmB ) Ûmam AZw_mo{XV Hw$N> g JR>Zm /EO {g`m Ûmam ImVo Imobo Om gh$vo h. dv _mz _ X {ZH$ A {V_ eof Ho$ AmYma na ã`mo H$m Ì _m{gh$ AmYma na ^wjvmz {H$`m OmVm h ~ev] {H$ dh Ý`yZV_ ê$. 1/- ~ZVm hmo. A{YH$ OmZH$mar Ho$ {be h_mar do~gmbq> XoI. ImVmYmaH$(H$m ) Ho$ Zm_ na Amh[aV MoH$, {S>{dS >S> dma Q>, Ho$db Bg ImVo Ho$ _mü`_ go {be OmE Jo. ImVmYmaH$ Ho$ nj _ g_{w V {dîmr` {dnì Zht {be OmE Jo {H$gr ^r J«mhH$ Ûmam 2 df H$s {Za Va Ad{Y VH$ ImVo go boz-xoz Zht {H$E OmZo na Cgo {ZpîH«$` ImVm _mzm OmEJm. AnZo ImVo H$mo {ZpîH«$`Vm go g{h«$` H$aZo Ho$ {be `og ~ H$ H$s {H$gr ^r ~ H$ emim na OmE±. ~MV ImVo H$mo {ZpîH«$` go g{h«$` H$aZo Ho$ {be H$moB ewëh$ Zht {b`m OmVm h. ImVm YmaH$ H$mo g_`-g_` na ~ H$ H$s à^mam H$s AZwgy{M`m _ {Z{X ï> {H$E AZwgma Hw$N> Ý`yZV_ Am gv eof ~ZmE aizm hmojm. BgH$m AZwnmbZ Z hmozo na godm ewëh$ à^m[av hmojm Am gv eof am{e H$s JUZm g ~ {YV Ad{Y/g ~ {YV Ad{Y _ {XZm H$s g»`m Ho$ {be ImVo _ Am gv {XZ Ho$ A V (B AmoS>r) eof Ho$ ê$n _ H$s OmVr h. Amdí`H$ {ZYm [av Am gv eof Z ~ZmE aizo na à^mam H$s AZwgyMr _ {Z{X ï> AW X S> ewëh$ bjojm. bjmvma {H$Ýht VrZ _hrzm VH$ dovz ImVm _ H$moB O_m Zht hmozo H$s ImVm ImobVo g_`, ~ H$ ^mdr J«mhH$/H$m, OZVm Ho$ gxñ`m Am a AnZo AmnH$mo YmoImY S>r Am a ~ qh$j àumbr Ho$ AÝ` Xþén`moJm Ho$ {dê$õ ~MmZo _ ghm`vm Ho$ {be ImVm ImobZo Ho$ BÀNw>H$ ì`pšv$h$s nhmmz, Ho$ nvo Ho$ ~mao _ ñd` H$mo g Vwï> H$aoJm. ~ H$ Ho$ {be ImVm ImobZo/g Mm{bV H$aZo dmbo ì`pšv H$s hmb H$s Vñdra àmßv H$aZm Amdí`H$ h. Am`H$a {d^mj Ûmam {OZ ì`pšv`m /BH$mB`m H$mo n Z Z ~a Amd {Q>V {H$`m J`m h, CÝh ImVm ImobZo dmbo \$m _ _ n Z g»`m H$mo CÕ V H$aZm hmojm. AÝ` bmjm H$mo \$m _ 60 (J a-h ${f) `m \$m _ 61 (H ${f) _ KmofUm Zm_m H$Z gw{dym Ho$db ì`pšvjv j_vm go Imobo JE ImVm (`mzr EH$b/g `wšv ImVm Ho$ gmw-gmw EH$b ñdm{_ëd g ñwmam Ho$ ImVm ) Ho$ {be CnbãY h, AWm V à{v{zym`r j_vm go Imobo JE ImVm Ho$ {be Zht CnbãY h. Zm_m H$Z Ho$db EH$ ì`pšv Ho$ nj _ {H$`m Om gh$vm h. AnZo OrdZ H$mb Ho$ Xm amz {H$gr ^r g_` ImVmYmaH$ Ûmam Zm_m H$Z {H$`m, aô `m n[ad{v V {H$`m Om gh$vm h. Zm_m H$Z, {ZagZ `m n[adv Z H$aVo AmYma^yV {Xem-{ZX}e E_AmB Q>rgr - ~MV ~ H$ ImVm Zmo `wda H$ñQ>_g g ~ Yr {Xem-{ZX}e H$aZr hmojr. Zm_m H$Z H$s gw{dym (6) pñw{v _, dovz bm^ ImVo H$m Ý`yZV_ Am gv eof Amdí`H$Vm Ho$ AmYma na _yë`m H$Z {H$`m OmEJm. ImVo Ho$ Ag VmofOZH$ g MmbZ H$s pñw{v _ ~ H$ ImVm ~ X H$aZo H$m A{YH$ma gwa{jv aivm h. nmg~wh$ gw{dym H$m bm^ CR>mZo Ho$ {be, AnZr J h emim na OmE±. J«mhH$ Ho$ AZwamoY na nmg~wh$/{ddau _ {nn>br à{d{ï>`m H$s g»`m àxmz H$s Om gh$vr h. ewõ g ~ Y _yë` (EZAmadr) AmnH$s O_mAm Am a `og ~ H$ Ho$ gmw AÝ` g ~ Ym H$m g_j«_yë` h. EZAmadr Ho$ ~mao _ A{YH$ OmZH$mar Am a JUZm Ho$ {be, à^mam H$s AZwgyMr XoI. ~ H$ ImVm YmaH$ H$mo Cn`wŠV ê$n go {Z`_m d evm] Am a à^mam H$s AZwgyMr _ {H$gr ^r ~Xbmd H$mo 30 {XZ nhbo gy{mv H$aoJm. `og ~ H$ H$s {d{^ýz emimam _ air JB O_m am{e ~r_m gwajm Ho$ CÔoí` go g `wšv H$s OmVr h Am a {S>nm {OQ> B í`moa g E S> H«o${S>Q> Jma Q>r H$m anmoaoez Am \$ B {S>`m (S>rAmB grorgr) Ûmam àñvwv H$s JB `moozm Ho$ A VJ V 1 bmi éne VH$ H$s A{YH$V_ am{e H$m ^wjvmz {H$`m OmVm h (`m Vmo ImVo na _ybyz `m _ybyz Am a Cnm{O V ã`mo g{hv) J«mhH$m Ho$ à{v dmz~õvmam H$s g {hvm Am a {eh$m`v {ZdmaU Zr{V g{hv g^r àm{bv Zr{V`m± ~ H$ H$s do~gmbq> ( Am a emimam _ CnbãY h. A{YXoe Ho$ AZwgma {d{ydv ê$n go hñvmj[av AZwamoY nì àñvwv H$aHo$ ImVo na ñwmb {ZX}e, B greg A{YXoe ~ZmE aio Om gh$vo h. AZwamoY emim _ {H$`m OmZm Mm{hE. H $n`m {d{^ýz ewëh$m Am a gw{dymam Ho$ {be à^mam H$s AZwgyMr (EgAmogr) XoI. Eogo Ad`ñH$ H$s pñw{v _ {OgH$s Am`H$a Ho$ {be à^m` H$moB Am` Zht h, Cgo ~ H$ _ ImVm ImobVo g_` AnZo {nvm `m _mvm `m A{^^mdH$, O gm {H$ pñw{v hmo gh$vr h, H$s ñwmb ImVm g»`m (n Z) `m gm_mý` gymh$m H$ a{oñq>a g»`m (GIRN) CÕ V H$aZm hmojm Ho$dmB gr XñVmdoOm H$s ZdrZV_ AZw_mo{XV gymr emim _ CnbãY h. BgHo$ {be AnZr {ZH$Q>V_ emim go g nh $ H$a. CÎmaOr{d`m /XmdoXmam H$mo _ VH$ J«mhH$m Ho$ ImVm _ eof am{e Ho$ ^wjvmz Ho$ _m_bo _, ~ H$ `Wmo{MV Am a {Z`m_H$m Ûmam {ZX}{eV ajm Cnm` AnZmVm h. g_`, Ho$db Eogo _m_bm _ Jdmh Ho$ hñvmja Amdí`H$ hmovo h Ohm± J«mhH$ Ûmam A JyR>o H$m {ZemZ àxmz {H$`m Om ahm hmovm h. Ad`ñH$ Ho$ nj _ ^r Zm_m H$Z {H$`m Om gh$vm h. dv _mz ImVm Ho$ {be {Og_ Zm_m H$Z Zht {H$`m J`m h, ImVmYmaH$(H$m ) Ûmam emimam _ CnbãY \$m _ ^ah$a Eogm {H$`m Om gh$vm h. J«mhH$m H$mo Zm_m H$Z gw{dym H$m bm^ bozo H$s gbmh Xr OmVr h, `{X CÝhm Zo A^r VH$ bm^ Zht {b`m h.

8 (J«mhH$ A{^ñdrH ${V) & & & & & ~ H$ Ûmam àxmz H$s OmZo dmbr {d{^ýz godmam /gw{dymam Ho$ Cn`moJ Am a bm^m Ho$ g ~ Y _ _hëdnyu OmZH$mar Ho$ {be "`og ~ H$ ZmJ[aH$ MmQ> a' Am a "à^mam H$s AZwgyMr' H$s à{v AZwamoY na Am a ~ H$ H$s do~gmbq> na CnbãY h. {H$gr ^r CËnmX/godmAm /gw{dymam H$s gw{dymam go g ~ {YV {H$gr ^r {eh$m`v/nyn>vmn> Ho$ _m_bo _, ~ H$ Ho$ ^rva yestouch@yesbank.in na g_mymz Ho$ {be {eh$m`v {ZdmaU àh$moð> go g nh $ {H$`m Om gh$vm h. {H$gr ^r nyn>vmn>/ñnï>rh$au Ho$ _m_bo _, AnZo [aboez{en _ ZoOa go {Z:g H$moM g nh $ H$a `m na h_ H$m b H$a (^mav _ _mo~mbb Am a b S>bmBZ go Q>mob \«$s). h_ AmnH$s ghm`vm H$aHo$ Iwer hmojr. A{^ñdrH ${V ImVm ImobZo Ho$ {be H$moB ewëh$ Zht {b`m J`m J«mhH$ H$m Zm_ lr lr_vr gwlr AÝ` (H $n`m {Z{X ï> H$a ) ah$_ ZH$X EZB E\$Q>r AmaQ>rOrEg Ý`yZV_ Am gv eof Amdí`H$Vm eof AZwajU H$s Amd {Îm à{v {~qbj MH«$ A{YH$V_ J a-azwaju ewëh$ g X^ g. ~ H$ A{YH$mar H$m Zm_ ~ H$ A{YH$mar H$s g nh $ g.. MoH$ g. ImVm 1 Ûmam ^wjvmz H$s JB am{e ImVm 2 ImVm 3 J a-g ñwmjv ImVm H$s pñw{v _, EQ>rE_ na bozxoz H$aZo Ho$ {be EQ>rE_/So>{~Q> H$mS> Ho$ {be {nz Z ~a H$mo[a`a/S>mH$ Ûmam AmnHo$ nìmmma Ho$ nvo na ^oom OmEJm. h_ Amngo {nz Z ~a H$s JmonZr`Vm ~ZmE aizo H$m AZwamoY H$aVo h Am a ~ H$ H$mo {nz Z ~a Ho$ Xþén`moJ Ho$ {be CÎmaXm`r Zht R>ham`m OmEJm. {XZm H$ {X {X _m _m d d d d... ~H $ A{YH$mar H$o hñvmja (7)