Untitled-1

AË` V _hëdnyu {Z`_ Am a ev] 1 ewëh$ Ed à^ma 2 H«o${S>Q> Am a ZH$X {ZH$mgr gr_m 3 {~b ^wjvmz Ho$ {be AmnH$m JmBS> 4 J«mhH$ g nh $ H $Ð 5 {eh$m`v {ZdmaU/ {eh$m`v /EñHo$boeZ 6 MyH$ 7 H$mS >hmoës>a{en H$s g_m{á / {ZagZ 8 H$mS > Jw_/Mmoar hmozm 9 àh$q>rh$au H$mS >YmaH$ AZw~ Y 1 gm_mý` n[a^mfme± 2 H$mS > H$m Cn`moJ 3 {Z`_m Am a {d{z`_m H$s à`moá`vm 4 g n{îm 5 H$mS >YmaH$ Ho$ Xm{`Ëd 6 H«o${S>Q> Am a ZH$X {ZH$mgr gr_m 7 A{V[aº$ H$mS > 8 IarX 9 H $e ES>dm g 10 B E_AmB gw{dym 11 ~ b g Q >m g\$a gw{dym 13 H $e ~ H$ 14 H$mo-~«m So>S> H$mS > 15 Jw_ `m Mmoar hþe H$mS > 16 {~qbj, ñq>oq>_ Q> Am a ^wjvmz 17 H$mS >YmaH$ H$s _ Ë`w `m ñwm`r {Xì`m JVm 18 MyH$ H$s KQ>ZmE± 19 à^ma Am a ewëh$ 20 à^mam H$s AZwgyMr 21 drµom go AmnmVH$mbrZ godme± 22 Vrgao nj Ûmam \$smg Am a godme± 23 ^wjvmz go _Zm H$aZo H$s j_vm 24 gw{dyme± ~ T>mZm Am a CÝh dmng bozm 25 {dxoer {d{z_` g ~ Yr {Xem{ZX}e 1 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

26 Odm~Xohr go ~Mmd 27 H$moQ>H$ _qhðm ~ H$ [adms > àmoj«m_ 28 j{vny{v 29 g_m{á 30 {Z`_m Am a evm] _ n[adv Z 31 àh$q>rh$au 32 {ddmx Am a {ZnQ>mao Ho$ {be Ý`m`m{YH$ma joì 33 d H$pënH$ M Zbm Ho$ _mü`_ go àmá godmam Ho$ {be A{V[aº$ {Z`_ Am a ev] 34 {gš`mos > H$mS > 35 A{V[aº$ àh$q>rh$au 36 Sy>-Zm Q>-H$m b a{oñq >r 37 g nh $ {ddau Am a {eh$m`v 38 AgmBZ_ Q> doëw _ ZoO_ Q> BZ{\${ZQ> H$mS >, am `b {g¾oma, µooz {g¾oma, ìhmbq> {g¾oma, {à{d brj {g¾oma, brj ßbo{Q>Z_ Am a EZAmaAmB am `b H«o${S>Q> H$mS > Ho$ {be {deof {Z`_ Am a ev] 1 dobh$_ {JâQ> Am \$a 2 àm`mo[aq>r nmg {à{dboo H$moQ>H$ H«o${S>Q> H$mS²g [adms > àmoj«m_ gošez H$. [adms > nm B Q> àmoj«m_ I. nrdrama H$moQ>H$ [adms > àmoj«m_ J. H$moQ>H$ ìhmbq> nmg d ë`y àmoj«m_ K. 6B [adm S > àmoj«m_ H$moQ>H$ {~µo H«o${S>Q> H$mS > Ho$ {deof bm^ H$. ~r_m H«o${S>Q> H$mS > nwzj R>Z (arñq >ŠM[a J) Ho$ {Z`_ Am a ev] - H$moQ>H$ _qhðm ~ H$ 2 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

AË` V _hëdnyu {Z`_ Am a ev] E_AmB Q>rgr H$m ZdrZV_ g ñh$au Am a ~ H$ H$m H$mS >YmaH$ AZw~ Y àmá H$aZo Ho$ {be, H $n`m www.kotak.com OmE±& 1. ewëh$ Ed à^ma H$. Om BqZJ ewëh$, dm{f H$ ewëh$ Am a EoS>-Am Z H$mS > ewëh$ H$moQ>H$ _qhðm ~ H$ H$mS > d [ae Q> Om BqZJ ewëh$ (AmdoXZ Ho$ g_` dmñv{dh$ ewëh$ go AdJV H$am`m OmEJm) dm{f H$ ewëh$ (AmdoXZ Ho$ g_` dmñv{dh$ ewëh$ go AdJV H$am`m OmEJm) Om BqZJ ewëh$ go Ny>Q> H$s ev] dm{f H$ ewëh$ go Ny>Q> H$s ev]-nhbm df dm{f H$ ewëh$ go Ny>Q> H$s ev]-xÿgam df Am a CgHo$ ~mx EoS>-Am Z H$mS > Ho$ {be Om BqZJ ewëh$ \$sñq> JmoëS> ^ eyý` 499** bmjy Zht bmjy Zht bmjy Zht 299 811 #{S >_ {S>\$a Q> eyý` eyý` bmjy Zht bmjy Zht bmjy Zht Ny>Q> Xo Xr \$m À`y Z JmoëS> eyý` eyý` bmjy Zht bmjy Zht bmjy Zht 299 A~ Z JmoëS > eyý` 199 bmjy Zht gmb _ H$_ go H$_ 15,000 H$m IwXam IM gmb _ H$_ go H$_ 15,000 H$m IwXam IM Ny>Q> Xo Xr nrdrama JmoëS>/nrdrAma ßbo{Q>Z moomo ßbo{Q>Z_ H$mS > 1,000 1,000 Omar hmozo Ho$ 90 {XZm _ Ý`yZV_ IM é. 30,000 eyý` 499 / 999 bmjy Zht bmjy Zht bmjy Zht 299 gmb _ H$_ go H$_ 1 bmi H$m IwXam IM gmb _ H$_ go H$_ 1 bmi H$m IwXam IM 299 am `b {g¾oma 1,499 / eyý` 999 bmjy Zht gmb _ H$_ go H$_ µooz {g¾oma 1,500 1,500 ìhmbq> {g¾oma 3,000 3,000 brj ßbo{Q>Z_ 499 / eyý` 499 EZAmaAmB am `b eyý` 1000 bmjy Zht bmjy Zht bmjy Zht bmjy Zht 1 bmi H$m IwXam IM gmb _ H$_ go H$_ 1.5 bmi H$m IwXam IM gmb _ H$_ go H$_ 5 bmi H$m IwXam IM gmb _ H$_ go H$_ 50,000 H$m IwXam IM gmb _ H$_ go H$_ 1 bmi H$m IwXam IM gmb _ H$_ go H$_ 1.5 bmi H$m IwXam IM gmb _ H$_ go H$_ 5 bmi H$m IwXam IM gmb _ H$_ go H$_ 50,000 H$m IwXam IM Ny>Q> Xo Xr Ny>Q> Xo Xr Ny>Q> Xo Xr Ny>Q> Xo Xr bmjy Zht bmjy Zht 599 3 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

{g¾oma {à{d brj eyý` 2500 {g¾oma (gewëh$ d [ae Q>) {à{d brj {g¾oma ({Z ewëh$ d [ae Q>) eyý` eyý` {S>bmBQ> ßbo{Q>Z_ # 1,999 299 Bg {g`m ßbo{Q>Z_ 1,499 749 {gëh$ B ñnm`a ßbo{Q>Z_ doëw _ ZoO_ Q> {g¾oma doëw _ ZoO_ Q> BZ{\${ZQ> 599 599 eyý` eyý` eyý` eyý` gmobm[ag ßbo{Q>Z_ 500 500 H$moQ>H$ {~µo 299 499 dra - ßbo{Q>Z_ eyý` 299 bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht H$_ go H$_ 5 bmi H$m IwXam IM `m ~ H$ Ho$ gmw BpÝg{¾`m `m Q > Am pßq>_m H$s^^^ [aboez{en ~ZmE ai bmjy Zht H$_ go H$_ 5 bmi H$m IwXam IM `m ~ H$ Ho$ gmw BpÝg{¾`m `m Q > Am pßq>_m H$s^^^ [aboez{en ~ZmE ai bmjy Zht 4 H$moQ>H$ _qhðm ~ H$ {b{_q>os> bmjy Zht bmjy Zht bmjy Zht 299 bmjy Zht bmjy Zht 299 gmb _ H$_ go H$_ 1,25,000 H$m IwXam IM gmb _ H$_ go H$_ 1,25,000 H$m IwXam IM bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht gmb _ H$_ go H$_ 75,000 H$m IwXam IM gmb _ H$_ go H$_ 75,000 H$m IwXam IM Ny>Q> Xo Xr bmjy Zht bmjy Zht bmjy Zht bmjy Zht gmb _ H$_ go H$_ 50,000 H$m IM dra - gobošq> eyý` 599 bmjy Zht gmb _ H$_ go H$_ Ny>Q> bmjy Zht 1,00,000 H$m IM 6B [adm S > - B {S>Jmo 700 700 bmjy Zht bmjy Zht bmjy Zht bmjy Zht H$moQ>H$ H«o${S>Q> H$mS > 6B [adm S > EŠgEb 1500 1500 bmjy Zht bmjy Zht bmjy Zht bmjy Zht B {S>Jmo H$moQ>H$ H«o${S>Q> H$mS > ZmoQ>: Cnamoº$ ewëh$ àë`oh$ H$mS > d [ae Q> na bmjy hmozo dmbo _mzh$ ewëh$ h & g_`-g_` na {d{eï> àmma `moozmam Ho$ VhV H$mS>m] H$s noeh$e {H$E OmZo Ny>Q>

na, `o AbJ-AbJ hmo gh$vo h & I. {dîm à^ma: H$moQ>H$ _qhðm ~ H$ H$mS > d [ae Q> _m{gh$ Xa ã`mo à^ma dm{f H$ Xa (EnrAma) EQ>rE_ go ZH$X {ZH$mgr H$m b A S >mâq>/ \ $S> Q >m g\$a/ H $e ES>dm g à{v 10,000 `m CgH$m ^mj dm{f H$ Xa (EnrAma) dm{f H$ Xa (EnrAma) \$sñq> JmoëS>/ A~ Z JmoëS>/ nrdrama JmoëS>/ nrdrama ßbo{Q>Z_/ brj ßbo{Q>Z_/ {S>bmBQ> ßbo{Q>Z_/ Bg {g`m ßbo{Q>Z_/ {gëh$ B ñnm`a 3.50% 42.00% 300 42.00% ßbo{Q>Z_/ gmobm[ag ßbo{Q>Z_/H$moQ>H$ {~µo/am `b {g¾oma/µooz {g¾oma/dra - ßbo{Q>Z_/ gobošq>/ 6B [adm S > - B {S>Jmo H$moQ>H$ H«o${S>Q> H$mS >/ 811 #{S >_ {S>\$a Q>>/{gëH$ B ñnm`a ßbo{Q>Z_ (Q>_ {S>nm {OQ> Ho$ {déõ Omar) 3.5% 42.00% 300 42.00% \$m À`y Z JmoëS> 3.50% 42.00% 199 42.00% doëw _ ZoO_ Q> {g¾oma/ BZ{\${ZQ> H«o${S>Q> H$mS >/ EZAmaAmB 3.10% 37.20% 300 37.20% am `b {g¾oma/ ìhmbq> {g¾oma {à{d brj {g¾oma 2.49% 29.88% 300 29.88% 5 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

J. AÝ` à^ma: {nn>bo ñq>oq>_ Q> Ho$ AZwgma Xo` Ebnrgr à^ma 100-500 100 {db ~ ^wjvmz à^ma (Ebnrgr) 500.01-5000 500 5000.01-10000 500 10000+ 700 Amoda {b{_q> à^ma 500* bm Q>m`m J`m MoH$ /ñwm`r {ZX}e {d\$bvm 500* ## (bmjy Xa Ho$ AZwgma) ~ H$ Ûmam V` {H$E JE AZwgma Ý`yZV_ Xo` am{e Q>rES>r H$m 5% `m 10% hmo gh$vr h & `h ñq>oq>_ Q> _ Ý`yZV_ Xo` am{e (E_ES>r) Ý`yZV_ Xo` am{e Ho$ H$m b n[ab{jv hmojm& {dxoer bozxoz _mh $An 3.50%*^^ aobdo ~wqh$j A{Y^ma aobdo A{Y^ma Ny>Q> Ho$ {be nmì CËnmX: 811 #{S >_ {S>\$a Q>/am `b doëw _ ZoO_ Q> {g¾oma/ doëw (bmjy Xa Ho$ AZwgma) _ ZoO_ Q> BZ{\${ZQ>/ {à{d brj {g¾oma/ brj ßbo{Q>/ EZAmaAmB am `b {g¾oma / µooz {g¾oma/ ìhmbq> {g¾oma/ {S>bmBQ> ßbo{Q>Z_ #/ gmobm[ag ßbo{Q>Z_/H$moQ>H$ {~µo/dra - ßbo{Q>Z_/goboŠQ& (Ohm± aobdo A{Y^ma _ Ny>Q> Xr JB h, d go bozxoz Ho$ {be H$moB [adms > nm B Q> g {MV Zht hmojm) do CËnmX Omo aobdo A{Y^ma Ny>Q> Ho$ {be nmì Zht h : Bg {g`m ßbo{Q>Z_/ {gëh$ B ñnm`a ßbo{Q>Z_/ \$sñq> JmoëS>/ \$m À`y Z JmoëS>/ A~ Z JmoëS>/ nrdrama (JmoëS> Am a ßbo{Q>Z_)/6B bozxoz am{e na BªYZ A{Y^ma (Ý`yZV_ 10 Ho$ {df`myrz) (bmjy Xa Ho$ AZwgma) ZH$X ^wjvmz à^ma 100* H$mS > [aßbog_ Q> ewëh$ (Imo`o Am a 100* à{v H$mS > j{vj«ñv H$mS >) AmdoXH$ H$mo H«o${S>Q> B \$m _}ez [anmoq> ({g{~b) H$s EH$ à{v àxmz H$aZo Ho$ {be 50* à{v Amd {Îm à^ma B_oO H$mS > ewëh$ ### 99* à{v B_oO H$mS > [adm S > - EŠgEb B {S>Jmo H$moQ>H$ H«o${S>Q> H$mS >/ 6B [adm S > B {S>Jmo H$moQ>H$ H«o${S>Q> H$mS> & BªYZ A{Y^ma Ny>Q> Ho$ {be nmì CËnmX: \$m À`y Z JmoëS>/811 #{S >_ {S>\$a Q>>/ am `b {g¾oma/ µooz {g¾oma/ ìhmbq> {g¾oma / doëw _ ZoO_ Q> H«o${S>Q>/ doëw _ ZoO_ Q> BZ{\${ZQ>/ {à{d brj {g¾oma/ brj ßbo{Q>Z_/ EZAmaAmB am `b {g¾oma/ {S>bmBQ> ßbo{Q>Z_ #/ {gëh$ B ñnm`a ßbo{Q>Z_/ gmobm[ag ßbo{Q>Z_/H$moQ>H$ {~µo/dra - ßbo{Q>Z_/goboŠQ> (Ohm± BªYZ A{Y^ma _ Ny>Q> Xr JB h, d go bozxoz Ho$ {be H$moB [adms > nm B Q> g {MV Zht hmojm) do CËnmX Omo BªYZ A{Y^ma Ny>Q> Ho$ {be nmì Zht h : Bg {g`m ßbo{Q>Z_/ \$sñq> JmoëS>/ A~ Z JmoëS>/ nrdrama (JmoëS> Am a ßbo{Q>Z_) /6B [adm S > - EŠgEb B {S>Jmo H$moQ>H$ H«o${S>Q> H$mS >/ 6B [adm S > B {S>Jmo H$moQ>H$ H«o${S>Q> H$mS > _mb Q>r_ B_oO H$mS > ewëh$ #### 599* à{v B_oO H$mS > *gah$mar H$a (godm H$a, OrEgQ>r, g_`-g_` na H$moB ^r / g^r bmjy H$a g{hv)& **Ho$db 18 _B 2011 Ho$ ~mx Omar \$sñq> H$mS>m] na bmjy& ******EH$ H $b S>a df _ 500 H$s A{YH$V_ aobdo A{Y^ma Ny>Q²& ******BªYZ A{Y^ma Ho$db 500-3,000 Ho$ _yë` Ho$ ~rm Ho$ bozxoz Ho$ {be _m\$ hmojm& {à{d brj {g¾oma/h$moq>h$ {~µo Am a {S>bmBQ> ßbo{Q>Z_# H$mo N>mo S>H$a EH$ H $b S>a df _ 3,500 H$s A{YH$V_ BªYZ A{Y^ma Ny>Q>& àm`mo[aq>r brj {g¾oma ({Z ewëh$ d [ae Q>), Am a {S>bmBQ> ßbo{Q>Z_ Ho$ {be, BªYZ A{Y^ma Ho$db 400 go 4,000 Ho$ _yë` Ho$ ~rm Ho$ bozxoz Ho$ {be _m\$ hmojm& {S>bmBQ> ßbo{Q>Z_ Am a {à{d brj {g¾oma ({Z ewëh$ d [ae Q>) na BªYZ A{Y^ma _ A{YH$V_ dm{f H$ Ny>Q> 4,500 h, {à{d brj {g¾oma (gewëh$ d [ae Q>) Ho$ {be `h 300 à{v _mh h & gmobm[ag H«o${S>Q> H$mS > Ho$ {be, 400 go 3,500 Ho$ g^r BªYZ bozxoz na A{Y^ma Ny>Q> {_bojr& A{YH$V_ Ny>Q> H$s AZw_{V 100/- à{v ñq>oq>_ Q> gmb{h$b à{v H$mS > ImVm h & H$moQ>H$ {~µo Ho$ {be, EH$ H $b S>a df _ A{YH$V_ BªYZ A{Y^ma Ny>Q> 2,500 h & ^Q > n H$m A~ Z`m Zm_ \$sñq> h & #H $n`m {à{d brj {S>bmBQ> ßbo{Q>Z_ H«o${S>Q> H$mS > na bmjy à^mam Ho$ {be {S>bmBQ> ßbo{Q>Z_ H«o${S>Q> H$mS > Ho$ ewëh$m d à^mam H$m g X^ b & doëw _ ZoO_ Q> BZ{\${ZQ> Ho$ {be, Amoda {b{_q> ewëh$/zh$x ^wjvmz à^ma Am a H$mS > [aßbog_ Q> ewëh$ _m\$ H$a {X`m J`m h & ### ñwm`r {ZX}e {d\$bvm (Am Q>mo So>{~Q>, EZEgrEM Am a B greg)&^^ {à{d brj {g¾oma (gewëh$ d [ae Q>) Am a doëw _ ZoO_ Q> BZ{\${ZQ> H$mS > Ho$ {be \$m aošg _mh $An 2% h & ^^^{H$gr ^r EH$ pñw{v H$mo ~ZmE aivo hþe Q >-Am pßq>_m-h$s Ho$ _mzx S> H$mo nyam H$a : (1) ~MV `m Mmby ImVo _ 1 bmi go A{YH$ H$s Am gv _m{gh$ eofam{e (EE_~r) Ho$ gmw 30 bmi H$m [aboez{en d ë`y& (2) ~MV ImVo _ 10 bmi go A{YH$ H$m EE_~r (3) Mmby ImVo _ 15 bmi go A{YH$ H$m EE_~r ### EZAmaAmB am `b {g¾oma, ìhmbq> {g¾oma, {à{d brj Am a doëw 6 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

_ ZoO_ Q> H$mS > d [ae Q> Ho$ {be B_oO H$mS > CnbãY Zht h & ### E¹$m JmoëS> H$mS > H$mo 811 #DreamDifferent H«o${S>Q> H$mS > Ho$ ZE Zm_ go bm`m J`m h, Omo 15 OwbmB 2020 go à^mdr h & ### _mb Q>r_ B_oO H$mS > Ho$db MwqZXm H$mS > d [ae Q> na CnbãY h, O go {H$ - 811 #Dream Different, am `b {g¾oma, brj ßbo{Q>Z_, {S>bmBQ> ßbo{Q>Z_, Bg {g`m ßbo{Q>Z_ Am a A~ Z JmoëS>& K. ã`mo-_wº$ Ad{Y: {~qbj MH«$ H$s àma ^ {V{W go ã`mo-_wº$ Ad{Y 48 {XZm go A{YH$ Zht hmojr& 5 _B 2014 H$s à^mdr {V{W go: AmnHo$ H$mS > H$s ^wjvmz Xo` {V{W, ñq>oq>_ Q> {V{W Ho$ ~mx 18 go 21 {XZm Ho$ ~rm hmo gh$vr h (H $n`m dmñv{dh$ ^wjvmz Xo` {V{W OmZZo Ho$ {be AnZm ñq>oq>_ Q> XoI )& Bg Vah, AmnH$s ^wjvmz Xo` {V{W Ho$ AmYma na \«$s H«o${S>Q> Ad{Y 18-48 {XZm go boh$a 21-51 {XZm H$s hmo gh$vr h & ã`mo-_wº$ Ad{Y H$s JUZm Ho$ {be Ñï>m VnaH$ CXmhaU: 11 Aà b go 10 _B H$s Ad{Y Ho$ ñq>oq>_ Q> Ho$ {be ^wjvmz H$s {V{W 28 _B h & `h _mzvo hþe {H$ AmnZo AnZo {nn>bo _hrzo H$s ~H$m`m am{e H$m nyam ^wjvmz {H$`m h, Vmo AZwJ«h (J«og) Ad{Y {ZåZ hmojr: {XZm H$ 12 Aà b H$s IarXmar Ho$ {be, ã`mo-_wº$ AZwJ«h Ad{Y 12 Aà b go 28 _B AWm V 48 {XZm H$s hmojr, Am a {XZm H$ 2 _B H$s IarXmar Ho$ {be, ã`mo-_wº$ AZwJ«h Ad{Y 2 _B go 28 _B AWm V 27 {XZm H$s hmojr& hmbm±{h$, `{X AmnZo Xo` {V{W go nhbo {nn>bo _hrzo H$s ~H$m`m am{e H$m nyu ^wjvmz Zht {H$`m h, Vmo AmnH$mo ã`mo-_wº$ Ad{Y H$m bm^ Zht {_bojm& L. {dîm à^ma (ã`mo à^ma): `{X Amn {Z`V {V{W na `m Cggo nhbo {nn>br {~b am{e H$m ^wjvmz Zht H$aVo h, Vmo Amn na X {ZH$ ê$n go ã`mo bjojm; Am a `h ã`mo bozxoz H$s {V{W go goq>b_ Q> H$s {V{W VH$ {b`m OmEJm& bozxoz H$s {V{W go boh$a goq>b_ Q> H$s {V{W VH$ H $e ES>dm g na ã`mo {b`m OmEJm, Bg_ JmoëS> \$m À`y Z Am a 811 #{S >_ {S>\$a Q> H$mS >YmaH$ em{_b Zht h Š`m {H$ BÝh g^r H $e ES>dm g Ho$ {be ã`mo-_wº$ Ad{Y H$s gw{dym àmá h & AmnHo$ IMm], no-~ H$ Am a `y{q>bmbooez n Q>Z Ho$ AmYma na, g_`-g_` na ã`mo Xam _ ~Xbmd hmo gh$vm h /à{v _mh 3.5% (42.0% dm{f H$) VH$ H$s d {Õ hmo gh$vr h & {Z`V {V{W Ho$ ~mx bo{h$z AJbr ñq>oq>_ Q> {V{W go nhbo nyu ^wjvmz àmá hmozo na ^r ã`mo bjojm& `{X Amn Am {eh$ ^wjvmz H$a aho h, bo{h$z AmnZo ^wjvmz H$s Xo` {V{W na `m Cggo nhbo dv _mz ñq>oq>_ Q> Ho$ ~H$m`m H$m nyu ^wjvmz H$a {X`m h, Vmo nyu ^wjvmz H$s {V{W VH$ dv _mz ñq>oq>_ Q> Ho$ Hw$b ~H$m`m na ã`mo bjojm& Bg Vah H$m bjm`m J`m ã`mo ~mx Ho$ ñq>oq>_ Q> _ n[ab{jv hmojm& CXmhaU Ho$ {be, 20 OyZ Ho$ ñq>oq>_ Q> H$m Hw$b ~ b g 5000 h & ^wjvmz H$s Xo` {V{W 8 OwbmB h & 1 OwbmB H$mo 5000 H$m ^wjvmz {H$`m J`m& 20 OwbmB Ho$ ñq>oq>_ Q> _, 5000 na 10 {XZm H$m ã`mo bjojm& M. ã`mo JUZm H$m CXmhaU: _mz br{oe {H$ Amn na 15 _mm H$mo H$s JB IarXmar Ho$ {be 10,000 H$m ~H$m`m h & 31 _mm H$mo OZaoQ> {H$E JE ñq>oq>_ Q> _ 10,000 H$m ~ b g {XIoJm& AmnZo 10 Aà b H$mo 4,000 H$m ^wjvmz H$a {X`m& Am a Amn 15 Aà b H$mo 2,000 H$s IarXmar H$aVo h & AmJo, AmnZo 30 Aà b VH$ AnZo H«o${S>Q> H$mS > na H$moB Am a ^wjvmz Zht {H$`m& Vmo Bg _m_bo _ ã`mo {ZåZmZwgma bjojm: X {ZH$ ã`mo Xa = (3.4%)*12/365 = 0.1118%. 17 {XZm (15 _mm - 31 _mm ) Ho$ {be 10,000 Ho$ ~ b g na = 10000*0.1118%*17= 190.06 9 {XZm (1 Aà b - 9 Aà b) Ho$ {be 10,000 Ho$ ~ b g na = 10000*0.1118%*9 = 100.6 5 {XZm (10 Aà b - 14 Aà b) Ho$ {be 6,000 Ho$ ~ b g na = 6000*0.1118%*5 = 33.54 16 {XZm (15 Aà b - 30 Aà b) Ho$ {be 8,000 Ho$ ~ b g na = 8000*0.1118%*16 = 143.10 bjm`m J`m Hw$b ã`mo = 467.24; Hw$b ~H$m`m = 8467.24 Cnamoº$ CXmhaU _, 30 Aà b H$mo OZaoQ> hþe ñq>oq>_ Q> Ho$ AZwgma Hw$b 8467.24 H$s am{e Xò h & Amn 15 _B H$mo 8467.24 H$m ^wjvmz H$aVo h, Am a Amn _B Ho$ _hrzo _ H$moB Am a IarXmar Zht H$aVo h & V~, 31 _B H$mo OZaoQ> hþe ñq>oq>_ Q> _ Amn na 132.51 H$m ã`mo bjm`m OmEJm& (14 {XZm (1 _B - 14 _B ) Ho$ {be 8467.24 Ho$ ~ b g na = 8467.24*0.1118%*14=132.53) Cnamoº$ CXmhaU _ gah$mar H$a (godm H$a, OrEgQ>r, g_`-g_` na H$moB ^r / g^r bmjy H$a g{hv) em{_b Zht h & Cn`w º$ Ñï>m V _ 3.4% à{v _mh H$m [adm pëd J ã`mo Xa bmjy h, Am a H$mS > d [ae Q> Ho$ AmYma na ã`mo AbJ-AbJ hmo gh$vm h & ZmoQ>: `{X Amn 5,000 IM H$aVo h Am a Amn ha _hrzo Ý`yZV_ Xo` am{e (""E_ES>r"") H$m ^wjvmz H$aVo h, Am a V~ `h ~H$m`m am{e na n[aum_r ã`mo ^wjvmz Ho$ gmw 4 dfm] _ nwz^w JVmZ H$s OmZo dmbr am{e Ho$ ê$n _ ~Xb gh$vr h (10% Ho$ ê$n _ E_ES>r Ho$ gmw H$s JB JUZm)& Bg{bE `h gwpmd {X`m OmVm h {H$ O~ ^r AmnHo$ nmg ZH$Xr àdmh CnbãY hmo, V~ ~ H$ H$mo E_ES>r go A{YH$ am{e H$m ^wjvmz H$a {X`m H$a & `{X ^wjvmz H$s Xo` {V{W Ho$ ~mx ^r E_ES>r H$m ^wjvmz Zht hmovm h, Vmo {db ~ ^wjvmz ewëh$ bjojm& 7 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

2. H«o${S>Q> Am a ZH$X {ZH$mgr gr_m H«o${S>Q> gr_m AW dh A{YH$V_ gr_m {Og VH$ Amn AnZo H«o${S>Q> H$mS > na IM H$a gh$vo h & `{X Amn H$mS > Ho$ {be AmdoXZ H$aVo g_` A Vam ï >r` bozxoz H$m {dh$ën MwZVo h, Vmo A Vaamï >r` bozxoz Ho$ {be H«o${S>Q> gr_m A{YH$V_ gr_m Ho$ g_mz hmojr& àë`oh$ _m{gh$ {ddau Ho$ OZaoeZ Ho$ g_` CnbãY H«o${S>Q> gr_m Cº$ {ddau Ho$ ^mj Ho$ ê$n _ àxmz H$s OmVr h & H$mS > {dvau Ho$ g_` AmnH$mo H«o${S>Q> Am a ZH$X {ZH$mgr gr_m go AdJV H$am`m OmVm h & ZH$X gr_m AmnH$s H«o${S>Q> gr_m H$m hr g~goq> hmovm h & ~ H$ g_`-g_` na AmnHo$ H$mS > ImVo H$s g_rjm H$aoJm, Am a {H$gr ^r nyd gymzm Ho$ {~Zm Am V[aH$ _mzx S>m Ho$ AmYma na AmnH$s H«o${S>Q> Am a ZH$X gr_m KQ>m gh$vm h & `{X Amn AnZr H«o${S>Q> {b{_q> ~ T>mZm MmhVo h, Vmo Amn ~ H$ H$mo {bpiv _ AZwamoY H$a Am a AnZr Am` go g ~ {YV {dîmr` XñVmdoµO àxmz H$a Eogm H$a gh$vo h & `{X Amn A Vam ï >r` bozxoz Aj_ H$aZm MmhVo h `m A Vam ï >r` bozxoz Ho$ {be H«o${S>Q> gr_m ~ T>mZm/KQ>mZm MmhVo h, Vmo Amn BgHo$ {be ~ H$ Ho$ J«mhH$ g nh $ H $Ð go g nh $ H$a gh$vo h & AmnH$s H«o${S>Q> {b{_q> ~ T>mZo Ho$ AmnHo$ {d{eï> AZwamoY Ho$ AmYma na, ~ H$ AnZo {ddoh$m{yh$ma _ {b{_q> ~ T>mZo na {dmma H$a gh$vm h & 3. {~b ^wjvmz Ho$ {be AmnH$m JmBS> H$. AmnH$m ñq>oq>_ Q> ~ H$ AmnH$mo _hrzo Ho$ ^wjvmz Am a bozxoz H$mo Xem Vm hþam _m{gh$ ñq>oq>_ Q> ^ooojm& `{X H$mS > ImVo _ 100 éne go H$_ H$m ~H$m`m Xo` h `m H$moB bozxoz Zht hþam h Vmo Eogr pñw{v _ H$moB ñq>oq>_ Q> Zht ^oom/ozaoq> {H$`m OmEJm& h_mao [ah$m S > _ XO AmnHo$ _oqbj nvo na S>mH$ `m B _ob go AmnH$mo ñq>oq>_ Q> ^oo {X`m OmEJm& H$moQ>H$ EZAmaAmB H«o${S>Q> H$mS >YmaH$m H$mo Ho$db B _ob go ñq>oq>_ Q> ^oom OmEJm& ñq>oq>_ Q> àmá Z hmozo go H$mS >YmaH$ AZw~ Y Ho$ VhV AmnHo$ Xm{`Ëdm Am a XoZXm[a`m na H$moB Aga Zht n S>oJm, Am a AmnH$mo ^wjvmz H$s {Z`V {V{W go nhbo Ý`yZV_ Xo` am{e H$m {ZnQ>mZ H$aZm hmojm& I. ^wjvmz H$s OmZo dmbr am{e MwZ `{X Xo` {V{W H$mo `m Cggo nhbo Amngo H$_ go H$_ E_ES>r H$m ^wjvmz àmá hmo OmVm h, Vmo Amn na {db ~ ^wjvmz ewëh$ Zht bjojm& H $n`m Ü`mZ X {H$ B E_AmB, Om BqZJ/dm{f H$ ewëh$ Am a g^r àmogoqgj ewëh$ AmnHo$ E_ES>r _ nyu ê$n go Omo S>o OmVo h & `{X {nn>bo ñq>oq>_ Q> Ho$ Hw$N> E_ES>r H$m ^wjvmz nyar Vah Zht hþam h, Vmo Cgo ^r dv _mz E_ES>r _ Omo S>m OmEJm& `{X Hw$b ~H$m`m am{e H«o${S>Q> {b{_q> go A{YH$ h, Vmo {Og am{e VH$ H«o${S>Q> {b{_q> nma hmo JB h Cgo ^r E_ES>r _ em{_b {H$`m OmEJm& `{X Amn ""Hw$b am{e"" H$m ^wjvmz H$aZm MmhVo h, Vmo H$moB ã`mo Zht bjojm& h_mar gbmh h {H$ Amn ã`mo go ~MZo Ho$ {be AnZr Hw$b am{e H$m ^wjvmz H$a & J. ^wjvmz H$mS > na ~H$m`m am{e Ho$ {Z{_Îm Amn go àmá ^wjvmz _ H«$_e g^r H$am, ewëh$m d AÝ` à^mam, ã`mo ewëh$m, B E_AmB, H $e ES>dm g, IarX Am a ~ b g Q >m g\$a H$mo g_m`mo{ov {H$`m OmEJm& AmnH$mo g^r ^wjvmz ^mavr` éne _ hr H$aZo Mm{hE& K. ^wjvmz {d{y`m± 1) ñwm`r {ZX}e (Am Q>mo So>{~Q>) Ho$ _mü`_ go ^wjvmz H$a : `{X H$mS >YmaH$ H$m ~ H$ _ ~MV ImVm h, Vmo dh ^wjvmz H$s {Z`V {V{W na ha _hrzo Eogo ImVo go ^wjvmz So>{~Q> H$aZo Ho$ {be {bpiv ê$n _ ñwm`r {ZX}e XoH$a ~MV ImVo Ho$ _mü`_ go gryo ^wjvmz H$a gh$vm h & H$moQ>H$ EZAmaAmB H«o${S>Q> H$mS >YmaH$ H$mo Ý`yZV_ Xò am{e Ho$ ^wjvmz Ho$ {be Am Q>mo So>{~Q> {ZX}e XoZm A{Zdm` h & 2) Am ZbmBZ ^wjvmz H$a : `{X H$mS >YmaH$ Ho$ nmg ~ H$ _ ~MV ImVm h Vmo dh AnZo B Q>aZoQ> ~ qh$j nmgds > H$m Cn`moJ H$a www.kotak.com na AnZo H«o${S>Q> H$mS > {~b H$m Am ZbmBZ ^wjvmz H$a gh$vm h & 3) {H$gr AÝ` ~ H$ Ho$ gmw AmnHo$ ~MV ImVo go Am ZbmBZ ^wjvmz H$aZo Ho$ {be: Amn ZoQ> ~ qh$j/do~-no Ho$ _mü`_ go `m ~ H$ Ûmam gj_ H$s JB {H$gr ^r AÝ` ^wjvmz {d{y Ho$ _mü`_ go {H$gr AÝ` ~ H$ ImVo go ^r H«o${S>Q> H$mS > H$s ~H$m`m am{e H$m ^wjvmz H$a gh$vo h & 4) emimam _ ZH$X ^wjvmz H$a : H$mS >YmaH$ ~ qh$j K Q>m Ho$ Xm amz {Z{X ï> ñwmzm na ZH$X O_m H$aHo$ ^r {~b H$m ^wjvmz H$a gh$vm h H$moQ>H$ EZAmaAmB H«o${S>Q> H$mS >YmaH$, emimam _ ZH$X ^wjvmz Ho$ _mü`_ go AnZo H«o${S>Q> H$mS > {~b H$m ^wjvmz Zht H$a gh$vo h & bmjy à^mam Ho$ {be, H $n`m D$na C{ piv {ddau XoI & 5) MoH$ `m {S>_m S> S >mâq> Ho$ _mü`_ go ^wjvmz H$a : ""H$moQ>H$ _qhðm ~ H$ H«o${S>Q> H$mS > XXXX XXXX XXXX XXXX" Ho$ nj _ MoH$ `m S >mâq> {bih$a Cgo EQ>rE `m nmq> Za S >m n ~m Šg _ S>mb X & H$moQ>H$ EZAmaAmB H«o${S>Q> H$mS >YmaH$ g^r ^wjvmz Ho$db AnZo EZAmaB /EZAmaAmo ImVo go H$a gh$vo h & {dñv V OmZH$mar àmá H$aZo VWm ^wjvmz Ho$ AÝ` VarH$m O go {H$ drµom H«o${S>Q> H$mS > ^wjvmz, B Q>a ~ H$ _mo~mbb ^wjvmz godmam Ho$ ~mao _ A{YH$ OmZZo Ho$ {be, www.kotak.com na OmE±& L>. {~qbj g ~ Yr {ddmxm H$m g_mymz `{X H$mS >YmaH$ Zo H$moQ>H$ _qhðm ~ H$ go {^Þ {H$gr AÝ` ~ H$ Ho$ _mü`_ go H«o${S>Q> H$mS > H$m ^wjvmz {H$`m h, Am a ~mx _ H«o${S>Q> H$mS > Ho$ {Z{_Îm A{V[aº$ ^wjvmz Ho$ [aµ\$ S> H$m AZwamoY H$aVm h Vmo H$mS >YmaH$ H$mo AnZo {nn>bo Xmo ^wjvmzm Ho$ {be ~ H$ ImVm ñq>oq>_ Q> àñvwv H$aZm hmojm& 8 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

`{X H$mS >YmaH$ ñq>oq>_ Q> _ C opiv à^mam go Agh_V h, Vmo Cgo ñq>oq>_ Q> àmá hmozo Ho$ 60 (gmr>) {XZm Ho$ ^rva H$moQ>H$ _qhðm ~ H$ Ho$ nìmmma Ho$ nvo na {bpiv ê$n _ gy{mv H$aZm Mm{hE, Eogm H$aZo _ {d\$b ahzo na `h _mzm OmEJm {H$ ñq>oq>_ Q> _ C opiv g^r à^ma gwg JV h Am a AmnH$mo ñdrh$m` h & H $n`m Ü`mZ X {H$ `{X AmnH$mo A Vaamï >r` bozxoz Ho$ g ~ Y _ H$moB {ddmx h, Vmo AmnH$mo h_ AnZo nmgnmoq> H$s EH$ à{v àxmz H$aZr hmojr& `{X H$mS >YmaH$ Zo H«o${S>Q> H$mS > Ho$ {Z{_Îm A{V[aº$ am{e H$m ^wjvmz {H$`m h, Vmo dh ^wjvmz H«o${S>Q> H$mS > ImVo _ hr dmng {H$`m OmEJm& `{X H«o${S>Q> H$mS > aô hmo OmVm h, Vmo H$moB ^r A{V[aº$ ~H$m`m am{e Ho$db J«mhH$ Ho$ ~MV ImVo _ A V[aV H$s OmEJr& 4. J«mhH$ g nh $ H $Ð h_mao gmw AnZo g^r g Mma _, H $n`m AnZo 16 A H$m Ho$ H$moQ>H$ H«o${S>Q> H$mS > Z ~a H$m Adí` C oi H$a & Amn {ZåZ{bpIV {H$gr ^r VarHo$ go ~ H$ go g nh $ H$a gh$vo h & (H$) 24 K Q>o CnbãY h_mao J«mhH$ godm H $Ð - 1860 266 2666 na H$m b H$aHo$ (ñwmzr` H$m b Xa bmjy hmovo h )& {à{d brj J«mhH$ 1800 266 6666 (Q>mob-\«$s) na H$m b H$a gh$vo h & \$moz Z ~am H$s {dñv V gymr www.kotak.com na CnbãY h (I) www.kotak.com na bm J BZ H$a B _ob go `m AnZo B Q>aZoQ> ~ qh$j ImVo Ho$ _mü`_ go (J) {ZåZ nvo na Hy$[a`a H$a - g{d g _ ZoOa, H$moQ>H$ _qhðm ~ H$ {b{_q>os>, Vrgar _ {Ob, AmH ${V EgE_gr, Eb~rEg _mj, ImonQ>, R>mUo (n{ü_), _hmamï > - 400601, ^mav& (K) {Z`{_V S>mH$: H$moQ>H$ _qhðm ~ H$ {b{_q>os>, H$moQ>H$ H«o${S>Q> H$mS >, nr.amo. ~m Šg Z. 27703, _bms> (nyd ), _w ~B - 400097, ^mav& 5. {eh$m`v {ZdmaU/ {eh$m`v /EñHo$boeZ `{X {H$gr AZno{jV KQ>Zm _ Amn h_mar godmam go g Vwï> Zht h, Vmo Amn (i) www.kotak.com na {eh$m`v \$m _ ^ah$a (ii) h_mao J«mhH$ g nh $ H $Ð na H$m b H$a (iii) g{d g _ ZoOa-g{d g Am naoez H$mo {bih$a AnZr {eh$m`v XO H$am gh$vo h (iv) AmJo Ho$ EñHo$boeZ Ho$ {be Amn E_. amoy, ZmoS>b A{YH$mar, H«o${S>Q> H$mS > {S>drOZ H$mo nodalofficerkotak.com na {bi gh$vo h & `{X AmnH$s {eh$m`v H$m ~ H$ _ àmá hmozo Ho$ 30 {XZm Ho$ ^rva {ZdmaU Zht hmovm h, Vmo Cº$ {eh$m`v H$mo ~ qh$j bmoh$nmb Ho$ nmg ^oo gh$vo h & AmnHo$ ñwmz go g ~ {YV ~ qh$j bmoh$nmb H$m {ddau emimam _ àx{e V hmovm h & 6. MyH$ `{X H$mS >YmaH$ Ý`yZV_ Xo` am{e H$m ^r ^wjvmz Zht H$aVm h, Vmo H$mS >YmaH$ H$mo ha AJbo ñq>oq>_ Q> _ ~H$m`m ^wjvmz H$aZo Ho$ {be `mx {Xbm`m OmEJm& 6 _hrzo go A{YH$ H$s Ad{Y VH$ ~H$m`m ~ b g ahzo na H$mS >YmaH$ H$mo 'BamXVZ MyH$H$Vm ' ({db\w$b {S>\$m ëq>a) Ho$ ê$n _ [anmoq> {H$`m OmEJm& MyH$ H$s pñw{v _, S>mH$, \ $Šg Am a Q>obr\$moZ, BboŠQ >m {ZH$ _ob, EgE_Eg g Xoe Ho$ _mü`_ go \$m bmo-an {H$`m Om gh$vm h Am a/`m \$m bmo-an H$s `mx {XbmZo d ~H$m`m am{e H$s dgybr Ho$ {be Vrgao njm H$s godm br Om gh$vr h & ~ H$ Am a {H$gr ^r {Z`wº$ Vrgao nj H$mo g_`g_` na `Wmg emo{yv H«o${S>Q> H$mS > g MmbZ Ho$ {be ~ H$ H$s C{MV ì`dhma g {hvm Am a ~H$m`m H$s dgybr d O_mZV nwza{yh$ma Zr{V H$m nmbz H$aZm hmojm& ~ H$ {ZåZ{bpIV _m_bo _ {H$gr ^r gy{mv MyH$ H$mo dmng bozo H$m hh$xma hmojm: `{X g ~ {YV MyH$H$Vm Zo ~ H$ Ho$ gmw AnZr g nyu ~H$m`m am{e MwH$Vm H$a Xr h `m ~ H$ Ho$ gmw AnZo ~H$m`o H$m {ZnQ>mZ H$a {X`m h & `{X ~ H$ Ûmam `m ~ H$ Ho$ {déõ Xm`a H$mZyZr _wh$x_o _ AXmbVr AmXoe/\ $gbo Ûmam ~ H$ H$mo `h {ZX}e {X`m J`m h {H$ dh H$mS >YmaH$ H$mo ~ H$ Ho$ pibm\$ {S>-{bñQ> H$ao& ì`{º$jv g_rjmam Ho$ AmYma na _m_bmdma {ZU ` {b`m OmVm h & Cn`w º$ n[añí`m _, H$mS >YmaH$ Ho$ [ah$m S > H$mo H«o${S>Q> ã`yamo _ AJbo _m{gh$ [a\«o$e _ 'dv _mz/h$a Q>' Ho$ ê$n _ AnSo>Q> {H$`m OmEJm& H$mS >YmaH$ H$s _ Ë`w `m ñwm`r {dh$bm JVm H$s pñw{v _, ~ H$ {H$gr ^r bmjy ~r_m H$da go `m H$mS >YmaH$ Ho$ dm[ag/ {ZînmXH$/ àemgh$ go H$mS > na ~H$m`m am{e H$s dgybr g{hv {H$gr ^r H$mS > ImVo(ImVm ) Ho$ ~H$m`m dgyb H$aZo Ho$ {be, AnZo {ddoh$m{yh$ma _ H$mZyZ Am a {ZînjVm Ho$ VhV CnbãY g^r Cnm`m H$mo AmO_mZo H$m A{YH$ma gwa{jv aivm h & `{X H$mS > Imo OmVm `m Mmoar hmo OmVm h, Vmo H$mS >YmaH$ H$mo AZ{YH $V bozxoz go gwa{jv aim OmVm h Ohm± à{v df ~r{_v am{e H$m nmìvm {J«S> {gëda H$mS > Ho$ {be 25,000; JmoëS> H$mS > Ho$ {be 1,00,000; ßbo{Q>Z_ H$mS > Ho$ {be 1,25,000; {g¾oma H$mS > Ho$ {be 2,50,000; àr{_`_ H$mS > Ho$ {be 10,00,000 h & ~r_m H$da Ho$ ~mao _ www.kotak.com na {dñvma go ~Vm`m J`m h & 7. H$mS >hmoës>a{en H$s g_m{á / {ZagZ H$mS >YmaH$ {H$gr ^r g_` {bpiv AZwamoY H$a `m ~ H$ Ho$ J«mhH$ g nh $ H $Ð H$mo H$m b H$a Am a H$mS > H$mo {VaN>o Qw>H$ S>m _ H$mQ>H$a AnZr H«o${S>Q> H$mS > gw{dym H$mo g_má H$a gh$vm h & V~ AmnH$s gmar ~H$m`m am{e Vwa V Xo` hmo OmEJr& AJa H«o${S>Q> H$mS > H$m Cn`moJ 150 {XZm go A{YH$ g_` go Zht {H$`m OmVm h, Vmo H$mS > H$mo gwajm H$maUm go AñWm`r ê$n go ãbm H$ {H$`m Om gh$vm h & AJa H$moQ>H$ _qhðm ~ H$ H$mo ì`mdgm{`h$ `m gwajm H$maUm go Eogm C{MV àvrv hmovm h `m Amn {db ~ go ^wjvmz H$aVo h, `m H«o${S>Q> {b{_q> H$mo nma H$a OmVo h `m MoH$ bm Q> OmVm h Vmo dh {~Zm {H$gr nyd gymzm Ho$ {H$gr ^r g_` H$mS > Ho$ Cn`moJ H$mo aô H$a gh$vm h & 8. H$mS > Jw_/Mmoar hmozm H$mS >YmaH$ H$mo J«mhH$ g nh $ H $Ð na Vwa V H$m b H$aHo$ ~ H$ H$mo H$mS > Imo OmZo H$s gymzm XoZr hmojr& H$mS >YmaH$ Ho$ AZwamoY na, ~ H$ Xþén`moJ H$mo amoh$zo Ho$ {be Vwa V H$mS > H$mo {ZpîH«$` H$a XoJm& H$mS >YmaH$ H$mo ñwmzr` nw{bg WmZo _ àw_ gymzm [anmoq> (E\$AmB Ama) XO H$amZr Mm{hE& 9 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

hmbm±{h$, `{X H$moB ì`{º$ H$mS >YmaH$ `m EoS>-Am Z H$mS >YmaH$ H$s gh_{v go `m CgH$s gh_{v Ho$ {~Zm H$mS > `m {nz àmá H$aVm h Am a Xþén`moJ H$aVm h, `m `{X H$mS >YmaH$ YmoImY S>rnyU `m bmnadmhr ^am H $Ë` H$aVm h Vmo BgHo$ n[aum_ñdê$n hmozo dmbr j{v Ho$ {be dh (H$mS >YmaH$) ñd` CÎmaXm`r hmojm& AJa AmnZo H$moQ>H$ _qhðm ~ H$ H$mo ZwH$gmZ Ho$ ~mao _ gy{mv H$a {X`m h Vmo Amn AmJo H$mS > Ho$ {H$gr ^r Xþén`moJ Ho$ {be CÎmaXm`r Zht hm Jo, ~ev} {H$ AmnZo Kmoa bmnadmhr Zht ~avr h & `{X _M]Q> Ûmam Eogr H$moB ^r am{e bjmb OmVr h Omo J«mhH$ Ûmam ~H$m`m d Xo` h, ^bo hr dh {ddm{xv hmo `m Zht, Vmo J«mhH$ ñd` na bmjy {~qbj MH«$ Ho$ AZwgma ~ H$ H$mo ^wjvmz H$aZo Ho$ {be CÎmaXm`r h & BgHo$ Abmdm, Ohm± ~ H$ Zo ^wjvmz {H$`m h, dhm± ~ H$ J«mhH$ go Cº$ am{e H$s dgybr H$aZo H$m hh$xma h & BgHo$ Abmdm, Ohm± am{e {ddmx _ h, dhm± {ddmx Ho$ n[aum_/{zu ` H$s àvrjm {H$E {~Zm J«mhH$ H$mo {~qbj MH«$ Ho$ AZwgma Cº$ am{e H$m ^wjvmz H$aZm hmojm& ^bo hr J«mhH$ H$m ~ H$ Ho$ gmw _m OyXm g ~ Y g_má hmo J`m hmo Am a/`m {H$gr ^r H$maU go H$mS > H$mo {Zb {~V/~ X H$a {X`m J`m hmo, V~ ^r dgybr H$aZo H$m ~ H$ H$m Cº$ A{YH$ma Am a ^wjvmz H$aZo H$s J«mhH$ H$s Xò Vm d Y Am a {dú_mz ~Zr ahojr& 9. àh$q>rh$au H$mS >YmaH$ `h ñdrh$ma H$aVm h {H$ _m OyXm ì`mdgm{`h$ Aä`mgm Ho$ AZwgma, ~ H$ J«mhH$ H$mo H$moB gymzm {XE {~Zm g_`-g_` na {H$gr ^r H«o${S>Q> ã`yamo (_m OyXm `m ^mdr) H$mo H«o${S>Q> H$mS > go g ~ {YV H$moB ^r OmZH$mar àh$q> H$a gh$vm h & H«o${S>Q> B \$m _}ez ã`yamo B {S>`m {b{_q>os> ({g{~b) Am a AÝ` H«o${S>Q> ã`yamo, {dîmr` àumbr H$s H$m` j_vm Am a pñwavm _ gwyma H$aZo Ho$ {be ^mav gah$ma Am a ^mavr` [aod ~ H$ H$s nhb h & AmodaS>çy H$mS > ImVm Ho$ {Z{_Îm ^wjvmz àm{á na So>Q>m H$m AnSo>eZ, ~ H$ Ûmam ^wjvmz àm{á H$s {V{W go 60 {XZm H$s Ad{Y Ho$ ^rva {g{~b/aý` H«o${S>Q> ã`yamo _ {XIZo bjojm& h_ H$mS >YmaH$ H$mo `h ^r gy{mv H$aZm MmhVo h {H$ ~ H$ AnZo {ddoh$m{yh$ma _, {eh$m`v g ~ Yr ~mvmrv `m ^wjvmz dgybr go g ~ {YV ~mvmrv `m {H$gr ^r AÝ` ~mvmrv, O gm {H$ ~ H$ H$mo C{MV àvrv hmo, Ho$ _m_bo _ H$mS >YmaH$ Am a ~ H$ à{v{z{y Ho$ ~rm {d{eï> ~mvmrv H$mo [ah$m S > H$a gh$vm h & 10 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

H$mS >YmaH$ AZw~ Y ({Z`_ Am a ev]) J«mhH$ Bg ~mv go gh_v h {H$ H«o${S>Q> H$mS > godmam H$m bm^ CR>mZm {ZåZ{bpIV {Z`_m d evm] Ho$ gmw-gmw ~ H$ Ho$ ImVm Am a godmam go g ~ {YV gm_mý` {Z`_m Ed evm] VWm CZ {Z`_m Ho$ {df`myrz h {OÝh ~ H$ Ûmam g_`-g_` na Omar {H$`m Om gh$vm h, BgHo$ Abmdm, `h ^mavr` [aod ~ H$ (Ama~rAmB ) `m {H$gr AÝ` gm {d{yh$ `m {Z`m_H$ àm{yh$au Ûmam g_`-g_` na àñvwv `m g emo{yv {Z`_m Am a {d{z`_m ({Z`_ Am a evm]) Ho$ {df`myrz h & ZrMo Xr JB ev] g^r H«o${S>Q> H$mS > d [ae Q> na bmjy hmovr h, {gdm` BgHo$ {H$ {H$gr Img H«o${S>Q> H$mS > d [ae Q> Ho$ {be {H$gr {deof ev H$m C oi {H$`m J`m hmo& 1. n[a^mfme± 1.1. ImVm H$m AW h - gm_mý` {Z`_m Am a evm] VWm ~ H$ Ho$ ImVm d godmam go g ~ {YV {Z`_m Ho$ VhV ~ H$ Ûmam AZwa{jV ImVm& 1.2. AmdoXH$ H$m AW h : (i) dh H$moB ^r ì`{º$ {OgZo H$moQ>H$ _qhðm ~ H$ H«o${S>Q> H$mS > Ho$ AmdoXZ nì na hñvmja {H$`m h (ii) dh H$moB ^r ì`{º$ {OgZo H$mS > na hñvmja {H$`m h `m H$mS > H$m Cn`moJ {H$`m h & 1.3. EoS>-Am Z H$mS > H$m AW h - àmw{_h$ H$mS >YmaH$ Ûmam Zm{_V ì`{º$ H$mo Omar {H$`m J`m A{V[aº$ H$mS >& 1.4. EoS>-Am Z H$mS >YmaH$ H$m AW h - dh ì`{º$ {Ogo EoS>-Am Z H$mS > Omar {H$`m OmVm h, Am a Cg (H$mS >) na ~H$m`m am{e Ho$ ^wjvmz H$s XoZXmar àmw{_h$ H$mS >YmaH$ H$s hmovr h & 1.5. A{YH $V S>rba go Ame` {dxoer _wðm `m {dxoer à{v^y{v`m _ bozxoz H$aZo Ho$ {be A{YH $V ì`{º$ `m Am \$emoa ~ qh$j `y{zq> go h, O gm {H$ {dxoer _wðm à~ YZ A{Y{Z`_, 1999 ( \o$_m ) H$s Ymam 2 (gr) _ n[a^m{fv h ; 1.6. H$mS >/ H«o${S>Q> H$mS > go Ame` ~ H$ Ûmam àxmz {H$E OmZo dmbo JmoëS>, H$m nm}aoq>, {~OZog, ßbo{Q>Z_ Am a {g¾oma H«o${S>Q> H$mS > g{hv H$mS >YmaH$ H$mo Omar {H$E JE ½bmo~b H«o${S>Q> H$mS > go h, BgHo$ Abmdm, EoS>-Am Z H$mS > g{hv ~ H$ Ûmam g_`-g_` na noeh$e {H$E OmZo dmbo AÝ` d [ae Q> ^r Bg_ em{_b h & 1.7. H$mS > ImVm/ H«o${S>Q> H$mS > ImVm H$m AW h - H$mS > Omar H$aZo Ho$ gmw-gmw H$mS > Ho$ Cn`moJ Ho$ _mü`_ go g MmbZ Ho$ {be ~ H$ Ûmam Imobm Am a AZwa{jV {H$`m J`m H$moB ^r nmì ImVm& 1.8. H$mS > ImVm {ddau H$m AW h - ~ H$ Ûmam àmw{_h$ H$mS >YmaH$ H$mo Amd{YH$ A Vamb na ^oom J`m ñq>oq>_ Q> {Og_ H$mS > ImVo _ H«o${S>Q> Am a So>{~Q> am{e H$m C oi hmovm h & 1.9. H$mS >YmaH$ go A{^àm` EoS>-Am Z H$mS >YmaH$ g{hv Cg J«mhH$ go h {Ogo BZ {Z`_m Am a evm] Ho$ VhV H$mS > Omar {H$`m J`m h & 1.10. H $e {b{_q> H$m AW h - ~ H$ Ûmam n[a^m{fv `m {ZYm [av dh A{YH$V_ ZH$X am{e `m ZH$X g_vwë` am{e, {Ogo H$mS >YmaH$ Am a EoS>- Am Z H$mS >YmaH$ AnZo H$mS > ImVo go {ZH$mgr H$a gh$vo h & Bg Vah H$s {b{_q> H$mS >YmaH$ H$s Hw$b H«o${S>Q> {b{_q> H$m g~goq> hmojr& 1.11. H«o${S>Q> {b{_q> dh A{YH$V_ {b{_q> h {Ogo ~ H$ Ûmam _yë`m H$Z Ho$ ~mx {deof H$mS >YmaH$ H$mo {Z{X ï> {H$`m OmVm h, Am a Omo H$mS > ImVo go Ow S>r hmovr h & `{X H$mS >YmaH$ Ho$ nmg 2 `m A{YH$ H$moQ>H$ H«o${S>Q> H$mS > h Vmo CZ XmoZm _ {OgH$s {b{_q> Á`mXm hmojr, dhr CZ XmoZm H«o${S>Q> H$mS > H$s Hw$b H«o${S>Q> {b{_q> hmojr& CXmhaU Ho$ {be, `{X EH$ H$mS > H$s {b{_q> 1 bmi h Am a Xÿgao H$mS > H$s {b{_q> 1.5 bmi h Vmo XmoZm H«o${S>Q> H$mS > H$s Hw$b H«o${S>Q> {b{_q> 1.5 bmi hmojr& 1.12. {db {~V/~H$m`m ImVm go Ame` H$mS >YmaH$ Ho$ Cg ImVo go h {Og_ nrn>o H$m ~H$m`m h, `m ~ H$ H$s am` _ {Og_ Ag VmofOZH$ H«o${S>Q> ñq> qs>j ~Zr hþb h ; 1.13. B S>rgr H$m AW h - H$moB ^r BboŠQ >m {ZH$ So>Q>m H $ßMa Q>{_ Zb, qàq>a, {nz n S> g{hv AÝ` no[a\o$ab Am a EŠgogarµO VWm {S>dmBg MbmZo Ho$ {be Amdí`H$ gm âq>do`a, Mmho dh ^mav _ hmo `m {dxoe _, Mmho ~ H$ H$m hmo `m gmpm ZoQ>dH $ na, {Og_ AÝ` ~mvm Ho$ gmw-gmw, H$mS >YmaH$ ~ H$ Ûmam Omar AnZo H$mS > H$mo _M]Q> à{vð>mz na bozxoz H$aZo Ho$ {be Cn`moJ H$a gh$vm h & 1.14. BboŠQ >m {ZH$ _r{s>`m go Ame` AÝ` MrOm Ho$ gmw-gmw EQ>rE_, \$moz (\ $Šg g{hv), _mo~mbb, B Q>aZoQ> Am a nramoeg go h & 1.15. EpŠO_ H$m A{^àm` ^mavr` [aod ~ H$ Ûmam {ZYm [av ^mav H$s {Z`m V-Am`mV Zr{V go h, {Og_ g_`-g_` na g^r g emoyz em{_b h & 1.16. A Vam ï >r` bozxoz go Ame` H$mS >YmaH$ Ûmam ^mav, Zonmb Am a ^yq>mz go ~mha AnZo H$mS > na {H$`m J`m bozxoz h & 1.17. H$moQ>H$ _qhðm ~ H$ `m ~ H$ `m ~ H$ `m Ho$E_~r `m h_, h_ bmoj `m h_mam/h_mao/h_mar H$m A{^àm` H$moQ>H$ _qhðm ~ H$ {b{_q>os> go h, Omo H $nzr A{Y{Z`_, 1956 Ho$ VhV {ZJ{_V EH$ ~ qh$j H $nzr h Am a {OgHo$ n OrH $V H$m`m b` H$m nvm: 27 ~rho$gr, gr 27, Or ãbm H$, ~m Ðm Hw$bm H$m åßbošg, ~m Ðm (nyd ), _w ~B - 400 051, ^mav h, Am a Bg_ CgHo$ à{v{z{y, CÎmam{YH$mar Am a dm[ag 11 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

em{_b h, O~ VH$ {H$ g X^ `m AW Ho$ à{vhy$b Z hmo& 1.18. _M]Q> / _M]Q> à{vð>mz / à{v^mjr _M]Q> à{vð>mz (nre_b ) go A{^àm` H$ht ^r pñwv Cg {H$gr ^r à{vð>mz go h, {Ogo ~ H$ Am a AÝ` drµom/ _mñq>ah$ms >/ éno gxñ` ~ H$m Zo H$mS >YmaH$m H$mo dñvwam d godmam H$s {~H«$s Ho$ {be H$mS > H$mo ñdrh$ma H$aZo Am a J«hU H$aZo Ho$ {be AZw_mo{XV {H$`m h Am a ì`dñwm H$s h ; Am a Bg_ ~ H$, drµom B Q>aZoeZb `m _M]Q> Ûmam H$mS > H$mo J«hU H$aZo Ho$ ê$n _ {dkm{nv AÝ` Ho$ Abmdm ñq>moa, XþH$mZ, aoñvam, E`abmBZ em{_b h & BgH$m AW `h ^r hmojm {H$ H$ht ^r pñwv H$moB ^r H $nzr, H$m nm}aoez, à{vð>mz, \$_, ì`{º$`m `m ì`{º$ H$m g K `m H$moB ^r g ñwm, {Ogo ~ H$ Ûmam g_`-g_` na Kmo{fV {H$`m Om gh$vm h, Am a {Ogo _M]Q> Ho$ ê$n _ Zm{_V {H$`m J`m h Am a/`m {OZHo$ gmw H$mS >YmaH$m H$mo godme± àxmz H$aZo Ho$ {be ~ H$ Ho$ gmw ì`dñwm H$s JB h & 1.19. à{v^mjr EQ>rE_, nre `m EQ>rE_ _ ~ H$ H$s Am Q>mo_oQ>oS> Q>oba _erz (EQ>rE_) Am a AÝ` ~ H$m go g ~ {YV EQ>rE_ em{_b h Omo drµom/_mñq>ah$ms >/éno Ho$ gmpm ^wjvmz ZoQ>dH $ _ ^mj bo aho h, Am a {Og na H$mS >YmaH$ H$mS > H$m Cn`moJ H$a gh$vm h & 1.20. {nz `m ì`{º$jv nhmmz g»`m H$m AW h Am a Bg_ em{_b h - H$mS >YmaH$ H$mo ~ H$ Ûmam Amd {Q>V H$moB ^r `mñpàn>h$ T> J go OZaoQ>oS> Jwá Am a JmonZr` H$moS>, Am a/`m {Ogo ~mx _ H$mS >YmaH$ Ûmam H$mS > Ho$ g ~ Y _ AnZr ng X Ho$ AZwgma ~Xb {X`m J`m h & 1.21. nramoeg H$m AW h nm B Q> Am \$ gob Q>{_ Zb, Mmho dh ^mav _ hmo `m {dxoe _, Mmho dh ~ H$ H$m hmo `m gmpm ZoQ>dH $ na, {Og_ AÝ` ~mvm Ho$ gmw-gmw, H$mS >YmaH$ ~ H$ Ho$ gmw Ym[aV H$mS > ImVo _ {Z{hV \ $S> H$m Cn`moJ H$aZo Ho$ {be AnZo H$mS > H$m Cn`moJ H$a gh$vm h & 1.22. àmw{_h$ H$mS >YmaH$ H$m AW h - dh AmdoXH$ {OgHo$ Zm_ na ~ H$ Zo H$mS > ImVm Imobm h & 1.23. àmw{_h$ H$mS > H$m AW h - àmw{_h$ H$mS >YmaH$ H$mo Omar {H$`m J`m H$moQ>H$ _qhðm ~ H$ H$m ½bmo~b H«o${S>Q> H$mS >& 1.24. [adms > àmoj«m_ H$m Ame` H$moQ>H$ _qhðm ~ H$ [adms > àmoj«m_ go h, O gm {H$ `hm± I S> 27 _ {dñvma go ~Vm`m J`m h & 1.25. {~H«$s nmu / MmO pñbn H$m VmËn` _M]Q> Q>{_ Zb na `m nre_b Ûmam OZaoQ> hþb nmu go h, {Og_ nre/nre_b /Q>{_ Zb na H$mS >YmaH$ Ûmam {H$E JE bozxoz Ho$ _yë` H$mo Xem `m J`m hmovm h, Am a {Ogo H$mS >YmaH$ AnZo [ah$m S > Ho$ {be aivm h & 1.26. Q>{_ Zb _ do g^r gm âq>do`a, no[a\o$ab Am a EŠgogarµO em{_b h Omo H$mS >YmaH$ Ho$ bozxoz H$mo g gm{yv H$aZo H$s Ñ{ï> go {S>dmBgm H$mo MbmZo Ho$ {be nre_b Ho$ ñwmz na Amdí`H$ hmovo h, Am a Bg_ BboŠQ >m {ZH$ So>Q>m H $ßMa (B S>rgr) Q>{_ Zb, drµom/_mñq>ah$ms >/éno Q>{_ Zb, qàq>a, ì`{º$jv nhmmz g»`m ({nz) n S> em{_b h & 1.27. bozxoz H$m AW h - {H$gr EQ>rE_ `m nre_b `m BboŠQ >m {ZH$ _r{s>`m na àë`j `m namoj ê$n go H$mS > H$m Cn`moJ H$aZo Ho$ {be H$mS >YmaH$ Ûmam ~ H$ H$mo {X`m J`m H$moB ^r {ZX}e, {Og_ H$mS > ImVo H$mo EŠgog H$a bozxoz H$mo à^m{dv {H$`m OmVm h & d Y ewëh$ H$m AW h - H$mS > aizo dmbo H$mS >YmaH$ Ûmam {H$E JE IM Ho$ {be bjm`m J`m ewëh$, Am a Ho$db Bg Vah Ho$ d Y ewëh$ H$mo [adms > nm B Q> AO Z Ho$ {be Ü`mZ _ aim OmEJm; 1.28. drµom `m drµom BboŠQ >m Z H$m AW h - drµom B Q>aZoeZb Ho$ ñdm{_ëd dmbm _mh $& 1.29. drµom/ßbg EQ>rE_ ZoQ>dH $ H$m AW h - ^mav Am a {dxoem _ {d{^þ ñwmzm na pñwv do EQ>rE_, Omo H$mS > H$mo ñdrh$ma H$aVo h Am a Omo drom/ßbg `m drµom BboŠQ >m Z àvrh$m H$mo àx{e V H$aVo h & 1.30. _mñq>ah$ms > `m _mñq>ah$ms > BboŠQ >m {ZH$ `m _ ñq >m o `m dh gmpm ZoQ>dH $ {Og na AÝ` ~mvm Ho$ Abmdm, {gag (Cirrus) {bim hmovm h, do _mñq>ah$ms > B Q>aZoeZb Ho$ ñdm{_ëd dmbo _mh $ hmovo h & 2. H$mS > H$m Cn`moJ: 2.1. H$mS >YmaH$ Bg ~mv H$mo g_pvm h {H$ H«o${S>Q> H$mS > AmdoXZ nì na hñvmja H$aZo Am a/`m H$mS > Ho$ {be Am ZbmBZ AmdoXZ H$aZo Am a/`m H$mS > Ho$ {be B _ob Ho$ _mü`_ go AmdoXZ H$aZo Am a/`m H$mS > Ho$ {nn>bo ^mj na hñvmja H$aZo Am a/`m H$mS > H$m Cn`moJ H$a dh (H$mS >YmaH$) ~ H$ Ho$ {ddoh$m{yh$ma _ g_`-g_` na `Wmg emo{yv H$mS >YmaH$ AZw~ Y Ho$ {Z`_m Am a evm] Ho$ à{v ñdrh ${V XoVm h & 2.2. `h H$mS > ^mav Am a {dxoe _ nre/nre_b /BboŠQ >m {ZH$ _r{s>`m Am a Q>{_ Zb na {H$E JE CZ bozxoz Ho$ {be hr ñdrh$m` hmojm {OZHo$ {be ~ H$ Ûmam g_`-g_` na AZw_{V Xr OmVr h, BgHo$ gmw hr ~ H$ Ûmam g_`-g_` na {Z{X ï> AÝ` ^wjvmz {d{y`m Ho$ {be ^r `h ñdrh$m` hmojm& 2.3. ~ H$ H$mS > H$m Cn`moJ H$a H$s JB g^r dñvwam `m godmam H$s JB IarXmar, ZH$X, ewëh$, à^ma, ã`mo, H$am Am a Xo` ^wjvmzm Ho$ {Z{_Îm H$mS > ImVo(ImVm ) H$mo So>{~Q> H$aoJm& g^r bozxoz H$mS > ImVo(ImVm ) go g ~ {YV ImVm {ddau _ n[ab{jv hm Jo& Bg Vah Ho$ H$mS > ImVm {ddau ~ H$ Ûmam {Z{X ï> {S>brdar _mos> `m H$mS >YmaH$ Ûmam M`{ZV Ed ~ H$ H$mo {Z{X ï> {H$E JE Ho$ _mü`_ go ha _hrzo H$mS >YmaH$ H$mo ^ooo OmE Jo& 2.4. ~ H$ gm_mý`v bozxoz H$s {V{W go 30 {XZm Ho$ ^rva Cº$ bozxoz Ho$ {be H$mS >YmaH$ Ho$ ImVo H$mo So>{~Q> H$aoJm& 2.5. `{X H$mS >YmaH$ H$^r ^r H«o${S>Q> H$mS > H$m Cn`moJ Zht H$aVm h `m BgH$m 150 go A{YH$ {XZm VH$ Cn`moJ Zht hmovm h, Vmo gwajm H$maUm go ~ H$ Cg H$mS > H$mo AñWm`r ê$n go ãbm H$ H$a gh$vm h & Cº$ H$mS >YmaH$ J«mhH$ g nh $ H $Ð Ho$ _mü`_ go ~ H$ go H$mS > H$mo Cn`moJ Ho$ {be {\$a go g{h«$` H$aZo H$m AZwamoY H$a gh$vm h & 12 H$moQ>H$ _qhðm ~ H$ {b{_q>os>

13 H$moQ>H$ _qhðm ~ H$ {b{_q>os> 2.6. g^r g Mma/nÌmMma Ho$db àmw{_h$ H$mS >YmaH$ H$mo ^ooo OmE Jo& 2.7. `{X ~ H$ H$mo {H$gr ^r H$maU go Eogm bjvm h {H$ {ZX}e àm_m{uh$ Zht h `m ñnï> Zht h, `m Ohm g Xoh CËnÞ hmovm h `m AÝ`Wm H$maUm go AZw{MV àvrv hmovm h Am a {Ogo {H$gr ^r H$maU go bmjy Zht {H$`m Om gh$vm, Vmo ~ H$ AnZo {ddoh$ na Eogo {H$gr ^r {ZX}e H$mo Zht _mzzo H$m {ZU ` bo gh$vm h & 2.8. ~ H$ H$mS >YmaH$ Ho$ Eogo {H$gr ^r bozxoz Ho$ g nþ `m nyu Zht hmozo Ho$ {be {Oå_oXma Am a/`m CÎmaXm`r Zht hmojm& 2.9. àmw{_h$ H$mS >YmaH$ Am a EoS>-Am Z H$mS >YmaH$ H$s g^r ewëh$m, à^mam, ã`mo Am a H$am g{hv Hw$b ~H$m`m am{e H«o${S>Q> {b{_q> go A{YH$ Zht hmozr Mm{hE& 2.10. {H$gr ^r n[aga _ àx{e V H$mS > àmma gm_j«r `m drµom/éno H$m qg~b Bg ~mv H$s dma Q>r Zht h {H$ CZ n[agam _ CnbãY g^r dñvwam Am a godmam H$mo H$mS > Ho$ _mü`_ go IarXm Om gh$vm h & 2.11. H$mS > H$mo V^r ñdrh$ma {H$`m OmEJm O~ H$mS > Ho$ {nn>bo ^mj _ hñvmja dmbr OJh na H$mS >YmaH$ H$m hñvmja hmo& H$mS >YmaH$ H$mo Mm{hE {H$ dh H$mS > àmá hmozo na Vwa V Cg OJh na hñvmja H$a Xo& 2.12. H$mS >YmaH$ Ûmam H$mS > H$m Cn`moJ g_m{á _mh (Omo {H$ H$mS > Ho$ gm_zo dmbo ^mj na A {H$V hmovm h ) H$s A {V_ {V{W Ho$ ~mx Zht {H$`m Om gh$vm h, O~ VH$ {H$ CgH$m [aý`yab Zht hmovm& H$mS >YmaH$ H$mS > H$s g_` g_m{á go 20 {XZ nhbo H$mS > Ho$ [aý`yab Ho$ {be {bpiv _ AZwamoY H$a gh$vm h & ~ H$ AnZo {ddoh$m{yh$ma na CZ evm] na EH$ Z`m H$mS > Omar H$a gh$vm h, O gm {H$ ~ H$ Ûmam gy{mv {H$`m Om gh$vm h & 2.13. H$mS > H$m Cn`moJ Ho$db d Y, dmñv{dh$, ì`{º$jv `m Am{YH$m[aH$ CÔoí`m Ho$ {be {H$`m Om gh$vm h, Am a H$mS >YmaH$ Ho$ ì`dgm` _ dm{upá`h$ CÔoí`m Ho$ {be BgHo$ Cn`moJ H$s AZw_{V Zht h & 2.14. Ama~rAmB Ho$ n[anì DBR.No.BP.BC.104 /08.13.102/2017-18 {XZm H$ 6 Aà b 2018 Ho$ g X^ _, ^mavr` [aod ~ H$ Zo `h {Z{fÕ {H$`m h {H$ ~ H$ Z Vmo {H$gr ^r àh$ma H$s {H«$ßQ>mo/dMw Ab H$a gr _ H$moB bozxoz H$aoJm, Am a Z hr dmw Ab H$a gr H$s IarX/{~H«$s go g ~ {YV ImVm _ YZam{e Ho$ A VaU/àm{á g{hv dmw Ab H$a gr H$s S>rqbJ `m goq>qbj Ho$ {be {H$gr H$mo H$moB godm àxmz H$aoJm& H$mS >YmaH$ Bg _ So>Q> H$m nmbz H$aZo Ho$ {be gh_v h, Am a dh {H$gr ^r àh$ma H$s dmw Ab H$a gr go g ~ {YV {H$gr ^r bozxoz _ em{_b Zht hmojm& H$mS >YmaH$ Bg ~mv H$mo ^r g_pvm h Am a gh_v h {H$ Bg Vah H$m bozxoz H$aZo H$s pñw{v _ ~ H$ Ho$ nmg Cgo AmJo H$moB gymzm {XE {~Zm H$mS > H$mo VËH$mb ~ X H$aZo H$m A{YH$ma gwa{jv h & 2.15. H$mS >YmaH$ H$mo {H$gr ^r g_` AnZr Amoa go Cn`moJ Ho$ {be {H$gr AÝ` ì`{º$ H$mo AnZm H$mS > Zht gm nzm Mm{hE& H$mS >YmaH$ H$mo `h gw{z{üv H$aZm Mm{hE {H$ dh bozxoz Ho$ g_` EQ>rE_/ nre_b / BboŠQ >m {ZH$ _r{s>`m _ /na àë`jv CnpñWV hmo& 3. {Z`_m Am a {d{z`_m H$s à`moá`vm: 3.1. H$mS >YmaH$ Bg ~mv go gh_v h Am a ñdrh$ma H$aVm h {H$ H$mS > H$m Cn`moJ Am a g ~ {YV _wôo g_`-g_` na à^mdr Ama~rAmB Ho$ {d{z`_m, Ama~rAmB Ho$ EŠgM O {Z` ÌU {d{z`_m, \o$_m, \o$_m Ho$ A VJ V ~ZmE JE g^r {Z`_m d {d{z`_m, Omar A{YgyMZmAm / n[anìm Am a g_`g_` na à^mdr {H$gr ^r AÝ` g ~ {YV A{Y{Z`_m Ho$ AYrZ hmojm& H$mS > H$m Cn`moJ ^mav Am a {dxoem _ {H$`m Om gh$vm h, bo{h$z Bgo {dxoer _wðm H$s {ZH$mgr Ho$ {be Zonmb Am a/`m ^yq>mz _ BñVo_mb Zht {H$`m Om gh$vm h & BgHo$ Abmdm, `h H$mS > ^mav, Zonmb Am a ^yq>mz _ nre_b _ {dxoer _wðm _ ^wjvmz Ho$ {be d Y Zht h, AWm V Zonmb `m ^yq>mz _ H$mS > H$m Cn`moJ H$aVo g_` bozxoz H$s _wðm CZ Xoem H$s ñwmzr` _wðm `m ^mavr` éne _ hmozr Mm{hE& `{X H$mS >YmaH$ BZH$m AZwnmbZ Zht H$aVm h Vmo CgHo$ {déõ \o$_m Am a CgHo$ A VJ V ~ZmE JE AÝ` g ~ {YV {d{z`_m Ho$ VhV H$ma dmb hmo gh$vr h & 3.2. ~ H$ `m Ama~rAmB Ho$ {H$gr ^r {Z`_ Am a evm] `m {H$gr ^r {Z`_ `m {d{z`_ H$m AZwnmbZ Z H$aZo `m MyH$ H$aZo H$s pñw{v _, H$mS >YmaH$ H$mo A Vam ï >r` ñva na d Y ½bmo~b H«o${S>Q> H$mS > aizo go amoh$m Om gh$vm h & 3.3. Ama~rAmB Ûmam g_`-g_` {ZYm [av {dxoer _wðm nmìvm Ho$ ^rva, H$mS >YmaH$ {dxoe OmZo na ì`{º$jv Cn`moJ H$s Ñ{ï> go AnZo g^r d Y ì`{º$jv IMm] Ho$ {be H$mS > H$m Cn`moJ H$a gh$vm h, ~ev} {H$ {dxoe `mìm Ho$ Xm amz {H$`m OmZo dmbm Hw$b EŠgM O Eogr nmìvm go A{YH$ Z hmo& {dxoem _ IarXo JE gm_mzm H$m ^mav _ Am`mV, g_`-g_` na à^mdr Ag~m~ (~ JoO) {Z`_ Am a gr_m ewëh$ A{Y{Z`_, 1962/EpŠO_ Zr{V Ûmam {Z` {ÌV hmojm& 3.4. `{X H$mS >YmaH$ Mmho Vmo \o$_m {d{z`_m Ho$ AZwgma {H$gr A{YH $V S>rba/ g nyu _wðm n[adv H$ (_ZrM Oa) go AnZo H$mS > H$s nmìvm gr_m VH$ {dxoer _wðm ZmoQ>m /Q > dbg MoH$ Ho$ ê$n _ {dxoer _wðm Amh[aV H$a gh$vm h & nmìvm go A{YH$ Eogo {dxoer _wðm ZmoQ>m /Q > dbg MoH$ H$s {~H«$s {dú_mz {d{z`_m Ûmam em{gv hmojr Am a `h bmjy gr_m Ho$ AYrZ hmojr& H$mS >YmaH$ {dxoer _wðm ZmoQ>m /Q > dbg MoH$ Ho$ ê$n _ H $b S>a df Ho$ Xm amz \$m aoz EŠgM O Ho$ A{YH $V S>rba go Amh[aV {dxoer _wðm Ho$ g ~ Y _ AnZo nmgnmoq> H$mo n ð>m {H$V (E S>mog ) H$am gh$vm h & 3.5. {dxoer _wðm à~ YZ A{Y{Z`_ (\o$_m), 1999 Ho$ VhV {H$gr ^r VarHo$ go {dxoer _wðm _ Q >os> H$aZm (BboŠQ >m {ZH$/B Q>aZoQ> Q >oqs>j nmoq> b g{hv) à{v~ {YV h & BgHo$ Abmdm, Ama~rAmB Zo H$B ~ma ñnï> {H$`m h {H$ AmodagrµO \$m aoz EŠgM O Q >oqs>j (BboŠQ >m {ZH$/B Q>aZoQ> Q >oqs>j nmoq> b Ho$ _mü`_ go `m H«o${S>Q>/So>{~Q> H$mS > Ho$ Cn`moJ g{hv) Ûmam {H$gr ^r Vah Ho$ ao{_q> g H$s AZw_{V Zht h & Ama~rAmB Zo Am_ OZVm H$mo AmJmh {H$`m h {H$ dh Eogo AZ{YH $V bozxoz Ho$ {be n go Z ^ooo `m O_m Z H$ao Am a Z hr H«o${S>Q>/So>{~Q> H$mS > H$m BñVo_mb H$ao& VXZwgma, H $n`m \o$_m Am a CgHo$ {d{z`_m H$m C KZ H$aZo dmbo Eogo AZ{YH $V bozxoz Ho$ {be AnZo H«o${S>Q>/So>{~Q> H$mS > Ho$ Cn`moJ go g ~ {YV à{v~ Ym na Ü`mZ X, Am a `{X H$moB C KZ hmovm h, Vmo d go ì`{º$ na Ow_m Zm bjojm `m {\$a ^mavr` [aod ~ H$ `m àdv Z

14 H$moQ>H$ _qhðm ~ H$ {b{_q>os> {ZXoemb` Eogo {Zdm{g`m Ho$ pibm\$ H$ma dmb H$a gh$vo h & `{X H$moB J«mhH$ {H$gr ^r Eogo Cnamoº$ bozxoz `m AÝ` bozxoz `m {H$gr ^r J{V{d{Y _ {bá h {OZgo \o$_m A{Y{Z`_ `m {d{z`_ `m ^mav gah$ma H$s {H$gr AÝ` A{YgyMZm `m {Z`_ `m H$mZyZ H$m C KZ hmovm h, Vmo J«mhH$ BgHo$ n[aum_m {be nyar Vah {Oå_oXma hmojm& 3.6. H$mS > H$m Cn`moJ CZ à`moozm Ho$ {be n gm ^oozo _ Zht {H$`m Om gh$vm h {OZHo$ {be EŠgM O Omar H$aZo H$s AZw_{V _m OyXm {d{z`_m Ho$ VhV Zht Xr OmVr h O go {H$ (H$) {Z{fÕ/à{V~ {YV gymr dmbr n{ìh$mam (I) nyb, ñdrnñq>oh$, bm Q>ar, OwAm Am{X (J) Eogo CËnmX/godmE± ~omzo dmbr B Q>aZoQ> gmbq>, {OZHo$ {be \$m aoz EŠgM O Omar H$aZo H$s AZw_{V Zht h (K) {H$gr AÝ` Ad Y `m Agm_m{OH$ J{V{d{Y`m H$s gxñ`vm bozo Ho$ {be& ~ H$ Ho$ nmg nyam ã`moam XoVo hþe Eogo C KZm Ho$ ~mao _ EŠgM O H $Q >mob {d^mj Ho$ joìr` H$m`m b` H$mo [anmoq> H$aZo H$m A{YH$ma gwa{jv h & C KZ H$s Eogr pñw{v _, H$mS >YmaH$ H$m H$mS > Cn`moJ H$aZo H$m A{YH$ma VËH$mb {ZYm [av {H$`m OmEJm& 3.7. {H$gr ^r n[apñw{v _ H$mS >YmaH$ Bg AmYma na H$mS > {~b/xo` am{e Ho$ ^wjvmz _ Xoar `m _Zm Zht H$a gh$vm {H$ CgZo nmìvm H$mo nma H$a {b`m h & AJa H$mS >YmaH$ Eogo AmYma na H$mS > {~b/xo` am{e H$m ^wjvmz Zht H$aVm h, Vmo Bggo H$mS >YmaH$ H$s H$mS >hmoës>a{en g_má hmo gh$vr h & 3.8. `{X Ama~rAmB Ûmam Omar Am a g_`-g_` na `Wmg emo{yv EŠgM O H $Q >mob {d{z`_m H$m AZwnmbZ Z H$aZo Ho$ H$maU `m {H$gr AÝ` H$maU go H$mS > aô hmo OmVm h, Vmo ^mav `m {dxoe _ H$mS > H$m Cn`moJ H$aZo _ Ag\$b ahzo na ~ H$ H$s H$moB Odm~Xohr Zht hmojr& 3.9. \o$_m `m CgHo$ g emoyzm, Am a g^r {Z`_m d {d{z`_m VWm BgHo$ A VJ V Omar A{YgyMZmAm, EŠgM O H $Q >mob Ho$ _ ZwAb, àm{bv Ag~m~ (~ JoO) {Z`_m, gr_m ewëh$ A{Y{Z`_ 1962 Am a à^mdr EpŠO_ Zr{V H$m AZwnmbZ gw{z{üv H$aZo H$s nyar {Oå_oXmar H$mS >YmaH$ H$s h & 3.10. H$mS >YmaH$ BZ {Z`_m Am a {d{z`_m H$m C KZ H$aVo hþe (H$mS > H$m) JbV VarHo$ go Cn`moJ H$s nyar {Oå_oXmar ñdrh$ma H$aVm h, Am a dh ñd` Ho$ MbVo ~ H$ H$mo hmozo dmbo {H$gr ^r ZwH$gmZ, j{v, ã`mo, H$ZdµO Z, {H$gr AÝ` {dîmr` bmjv, à^ma `m ì`` Ho$ {Z{_Îm (~ H$ H$mo) j{vny{v H$aZo dmz XoVm h & 3.11. amoojma `m _mbj«oez Ho$ {be {dxoe OmZo dmbm {Zdmgr H$mS >YmaH$, EŠgM O Ho$ {be H$mS > H$m Cn`moJ Zht H$a gh$vm h Am a Cgo {dxoe OmZo go nhbo ~H$m`m am{e MwH$m H$a H$mS > ~ X H$aZm hmojm& 4. g n{îm 4.1. `h H$mS > ~ H$ H$s g n{îm h, Am a AZwamoY na Vwa V dmng {H$`m OmZm Mm{hE²& H$mS > H$mo hñvm V[aV Zht {H$`m Om gh$vm h & 4.2. H$mS > H$s EŠñnm`ar na, ~ H$ AnZo nyu {ddoh$m{yh$ma _ Z`m H$mS > `m {nz `m XmoZm Omar H$a gh$vm h, Omo {H$ CÝht {Z`_m Am a evm] na hmojm `m ~ H$ H$mo `Wmo{MV bjzo dmbo AÝ` {Z`_m Am a evm] na hmo gh$vm h & H$mS > H$s EŠñnm`ar Ho$ ~mx H$mS >YmaH$ H$mo Mm{hE {H$ dh H$mS > H$mo _ ¾o{Q>H$ pñq >n go {dh$u ê$n go H$mQ> H$a Zï> H$a Xo& `{X H$mS > H$s EŠñnm`ar go 20 {XZ nhbo [aý`yab Ho$ {be AZwamoY hmovm h, Vmo ~ H$ AnZo {ddoh$m{yh$ma _ Am a H$mS > ImVo H$s AÀN>r ñq> qs>j Ho$ {df`myrz H$mS > H$s EŠñnm`ar go nhbo H$mS >YmaH$ H$mo Z`m H$mS > ^ooojm& ~ H$ ZdrZrH $V H$mS > Am a arßbog_ Q> H$mS > Ho$ {be ewëh$ bjm gh$vm h {OgHo$ ~mao _ H$mS > Omar H$aZo go nhbo H$mS >YmaH$ H$mo gy{mv {H$`m OmEJm& 4.3. H$mS >YmaH$ Ûmam H$mS > aô H$amZo Ho$ _m_bo _, H$mS >YmaH$ H$mo H$mS > na ~H$m`m am{e H$m nyar Vah go ^wjvmz H$aZm hmojm, Am a {\$a ~ H$ H$mo Am ZbmBZ _mü`_ go `m J«mhH$ g nh $ H $Ð na H$m b H$aHo$ H$mS > aô H$aZo Ho$ {be gy{mv H$aZm hmojm, gmw hr dh Mw ~H$s` nå>r (_ ¾o{Q>H$ pñq >n) go {VaN>m H$mQ>H$a H$mS > H$mo Zï> H$a XoJm& EoS>-Am Z H$mS > ^r Bgr T> J go Vwa V Zï> H$a {X`m OmZm Mm{hE& 4.4. nyd Jm_r Cn~ Ym Ho$ {df`myrz, H$mS >YmaH$ {H$gr Vrgao nj Ho$ hmw _ n S>Zo dmbo H$mS > Ho$ _mü`_ go `m {H$gr Vrgao nj H$s OmZH$mar _ AmZo dmbo {nz Ho$ _mü`_ go H$mS > Am a/`m {nz H$m AZw{MV/ YmoImY S>rnyU / AZ{YH $V/ Sw>ßbrHo$Q>/ JbV Cn`moJ hmozo na ~ H$ H$mo CÎmaXm`r Zht R>hamEJm& 5. H$mS >YmaH$ Ho$ Xm{`Ëd 5.1. dv _mz nvm, H$m`m b` H$m nvm `m ñwm`r nvm, {Zdmg, H$m`m b` `m _mo~mbb \$moz Z ~a Am a B _ob _ n[adv Z g{hv AnZr g nh $ OmZH$mar _ {H$gr ^r n[adv Z Ho$ ~mao _, H$mS >YmaH$ {bpiv ê$n _ ~ H$ H$mo Vwa V gy{mv H$aZo Ho$ {be gh_{v XoVm h & Eogo {H$gr ^r {bpiv {ZX}e Ho$ A^md _, _m{gh$ {ddau H$mo ~ H$ Ho$ [ah$m S > _ XO _oqbj nvo na ^oom OmEJm, Am a H$mS >YmaH$ {H$gr ^r Xo` ã`mo ewëh$ `m {db ~ ^wjvmz ewëh$ Ho$ {be nyar Vah {Oå_oXma hmojm& 5.2. H$mS >YmaH$ H$mS > H$mo gwa{jv ñwmz na aiojm Am a {H$gr ^r n[apñw{v _ dh {H$gr AÝ` ì`{º$ Ûmam H$mS > Ho$ Cn`moJ H$s AZw_{V Zht XoJm& 5.3. H$mS >YmaH$ BZ_ go {H$gr ^r ~mv go AdJV hmozo na ~ H$ H$mo Vwa V gy{mv H$aoJm:- (I) H$mS > Ho$ Jw_ `m Mmoar `m H$m nr hmozo go `m Eogo {H$gr AÝ` _mü`_ go hmozo dmbo ZwH$gmZ Ho$ ~mao _ Omo Bgo (H$mS > H$mo) YmoImY S>rnyd H$ Cn`moJ H$aZo _ gj_ ~ZmVm h ; (ii) `{X H$mS >YmaH$ Ho$ H$mS > ImVo _ H$moB AZ{YH $V bozxoz {XIVm h ; (iii) ~ H$ Ûmam H$mS > ImVo Ho$ aiaimd _ {H$gr Ìw{Q> `m AÝ` A{Z`{_VVm Ho$ ~mao _ & 5.4. H$mS >YmaH$ Bg ~mv go gh_v h {H$ Cgo à{v H $b S>a {Xdg `m à{v bozxoz Hw$N> {Z{üV am{e VH$ ZH$X {ZH$mgr H$aZo/ dñvwam `m godmam

H$s IarX H$aZo/ A Vam ï >r` bozxoz H$aZo H$s AZw_{V hmojr, O gm {H$ H$mS > ImVo H$s H«o${S>Q> {b{_q> na Ü`mZ {XE {~Zm g_`-g_` na Kmo{fV {H$`m OmVm h & 5.5. H$mS >YmaH$ Bg ~mv go gh_v h {H$ dh H$mS > ImVo _ n`m á H«o${S>Q>/ZH$X gr_m CnbãY Z hmozo na H$mS > H$m Cn`moJ H$a ZH$X {ZH$mgr/IarX H$aZo H$m à`mg Zht H$aoJm& H$mS > ImVo _ n`m á ~ b g ~ZmE aizo H$s nyar {Oå_oXmar Cg (H$mS >YmaH$) na h & H$mS > ImVo go A{YH$ am{e {ZH$mbZo/IM hmozo H$s pñw{v _, Cgo g_`-g_` na ~ H$ Ûmam bjme JE C{MV à^ma Am a Ow_m Zm ã`mo Ho$ gmw ImVm ~ b g pñw{v H$mo Vwa V R>rH$ H$aZm hmojm& BZ à^mam H$m {ZYm au ~ H$ Ûmam {H$`m OmEJm Am a g_`-g_` na BZH$s KmofUm H$s OmEJr& 5.6. H$mS >YmaH$ Ho$ H$mS > ImVo go A{YH$ am{e {ZH$mbZo/IM hmozo `m ~H$m`m hmozo H$s pñw{v _, ~ H$ {H$gr ^r nyd gymzm Ho$ {~Zm AnZo (~ H$ Ho$) gmw g `wº$ ê$n go `m AHo$bo Ym[aV H$mS >YmaH$ Ho$ {H$gr ^r AÝ` ImVo _ {Z{hV {H$gr H«o${S>Q> go Eogr am{e H$m g_ OZ (goq>-am \$) H$aZo H$m A{YH$ma gwa{jv aivm h, Am a EVÔ²dmam H$mS >YmaH$ {deof ê$n go ~ H$ H$mo Eogm H$aZo Ho$ {be A{YH $V H$aVm h & 5.7. ~ H$ Ûmam AZwamoY {H$E OmZo na, H$mS >YmaH$ AnZo H$mS > ImVo Ho$ g ~ Y _ {H$gr `m g^r _m_bo go g ~ {YV g_ñv OmZH$mar, [ah$m S > `m à_munì àxmz H$aoJm& 5.8. H$^r ^r {H$gr ^r ì`{º$ go {nz H$m Iwbmgm Zht {H$`m OmZm Mm{hE, {Og_ ~ H$ Ho$ H$_ Mm[a`m Ho$ gmw-gmw AÝ` ~ H$m Ho$ H$_ Mmar ^r em{_b h {OZHo$ EQ>rE_ H$mo à{v^mjr EQ>rE_ H$hm OmVm h, BgHo$ Abmdm, nre_b Ho$ A{YH$m[a`m H$mo ^r {nz Zht ~VmE± `m {H$gr ^r n[apñw{v _ `m Eogo {H$gr ^r ê$n _ Cgo ({nz H$mo) {bih$a Z ai, Omo {H$gr ^r Vrgao nj Ho$ {be gwj_ `m AÝ`Wm àh$ma go gwb^ hmo gh$vm h, Mmho Eogo [ah$m S > VH$ B _mzxmar go `m ~ob _mzr go nhþ±m àmá hmo& 5.9. H$mS >YmaH$ ñdrh$ma H$aVm h {H$ CgHo$ AZwamoY Am a OmopI_ na, ~ H$ Cgo H$mS > Ho$ Cn`moJ Ûmam bozxoz H$aZo H$s gw{dym àxmz H$aZo Ho$ {be gh_v h, Mmho {bpiv ê$n go Eogm H$moB ñwm`r {ZX}e A^r {X`m J`m hmo `m Omo ~mx _ ~ H$ H$mo {X`m Om gh$vm h & 5.10. `{X H$mS >YmaH$ Ho$ {ZX}em na gm_mý` ì`dgm` Ho$ Xm amz gømdnyu T> J go ~ H$ Ûmam H$moB H$ma dmb H$s JB h /H$s OmVr h, Vmo dh (n[aum_m Ho$ {be) ~ H$ H$mo Odm~Xoh Zht R>hamEJm& Eogo {ZX}em H$m nmbz H$aVo hþe, ~ H$ gdm}îm_ à`mg Ho$ AmYma na H$m` H$aoJm, Am a ~ H$ {H$gr ^r Vah go H$mS >YmaH$ Ho$ {H$gr ^r {ZX}e Ho$ nmbz _ Xoar `m VËH$mb H$ma dmb H$aZo _ Ag_W Vm Ho$ {be CÎmaXm`r/{Oå_oXma Zht hmojm& 5.11. Bg AZw~ Y H$m g_mnz hmozo na ^r, H$mS >YmaH$ Omar {H$E JE àmw{_h$ Am a EoS>-Am Z H$mS > Ho$ g X^ _ Xr JB g_ñv gw{dymam Ho$ {be Am a BZ gw{dymam na {H$E JE g^r bozxoz Am a à^mam Ho$ {be CÎmaXm`r hmojm, Am a dh ~ H$ Ho$ gmw H$mS > Ho$ g ~ Y _ g^r S>rqbJ H$s Ñ{ï> go gømd _ H$m` H$aoJm& H$mS > Ho$ _mü`_ go {X`m J`m H$moB ^r {ZX}e An[adV Zr` hmojm& ha n[apñw{v _, H$mS >YmaH$ Omar {H$E JE g_ñv EoS>-Am Z H$mS > g{hv H$mS > Ho$ Cn`moJ H$s nyar {Oå_oXmar ñdrh$ma H$aoJm, Mmho CgH$s A{^ì`º$ `m {Z{hV OmZH$mar `m àm{yh$ma _ dh g gm{yv hþam hmo `m Zht& H$mS >YmaH$ ~ H$ H$mo {H$gr ^r {ZH$mgr `m A VaU am{e Ho$ {be CgHo$ H$mS > ImVo H$mo So>{~Q> H$aZo, `m ~ H$ Ho$ bozxoz [ah$m S > Ho$ AZwgma H$mS > Ho$ Cn`moJ Ûmam àmá hmozo dmbo Eogo {H$gr ^r {ZX}e H$mo nyam H$aZo Ho$ {be A{YH $V H$aVm h & 6. H«o${S>Q> Am a ZH$X {ZH$mgr gr_m 6.1. ~ H$ Ho$ nmg H$mS >YmaH$ H$mo nyd gymzm {XE {~Zm ì`{º$jv g gmyzm Ho$ {be AmdoXH$ H$s KmofUm Am a H$mS >YmaH$ Ho$ IM n Q>Z Ho$ AmYma na, qh$vw BZ VH$ hr gr{_v Zht, `Wmo{MV bjzo na H$mS > H$s H«o${S>Q> {b{_q> H$mo {ZYm [av/g emo{yv `m H$_ H$aZo H$m nyu Am a A {V_ àm{yh$ma h, Am a ~ H$ Ûmam H«o${S>Q> {b{_q> _ {H$gr ^r n[adv Z go H$mS >YmaH$ H$mo gy{mv {H$`m OmEJm& H«o${S>Q> {b{_q> H$mS > ImVo na bmjy hmojr, Am a `h H$mS >YmaH$ H$mo Omar {H$E JE g^r àmw{_h$ H$mS>m] Am a EoS>-Am Z H$mS>m] na bmjy hmojr& `{X H$mS >YmaH$ AnZr H«o${S>Q> {b{_q> ~ T>mZm MmhVm h, Vmo dh ~ H$ H$mo {bpiv _ AZwamoY H$a Am a AnZr Am` Ho$ g ~ Y _ ~ H$ Ho$ {be Ano{jV {dîmr` XñVmdoµO àñvwv H$a Eogm H$a gh$vm h & ~ H$ AnZo {ddoh$m{yh$ma _ Am a Eogo ZE XñVmdoOm Ho$ AmYma na, H$mS >YmaH$ H$s H«o${S>Q> {b{_q> ~ T>m gh$vm h & 6.2. `{X H$mS >YmaH$ H$mS > Ho$ {be AmdoXZ H$aVo g_` AnZo H«o${S>Q> H$mS > na A Vam ï >r` bozxoz àmá H$aZo H$m {dh$ën MwZVm h, Vmo A Vaamï >r` bozxoz Ho$ {be H«o${S>Q> {b{_q> Cgo (H$mS >YmaH$ H$mo) {Z{X ï> A{YH$V_ gr_m Ho$ g_mz hmojr& 6.3. `{X H$mS >YmaH$ AnZo H«o${S>Q> H$mS > na A Vam ï >r` bozxoz Aj_ H$aZm MmhVm h `m H«o${S>Q> H$mS > na A Vam ï >r` bozxoz Ho$ {be H«o${S>Q> {b{_q> ~ T>mZm/KQ>mZm MmhVm h, Vmo dh BgHo$ {be ~ H$ Ho$ J«mhH$ g nh $ H $Ð go g nh $ H$a gh$vm h & 6.4. ~ H$ ZH$X {ZH$mgr Ho$ {be EH$ AbJ gr_m {ZYm [av H$aoJm Omo {H$ {Z{X ï> H«o${S>Q> {b{_q> go H$_ hmojm& \$m À`y Z H$mS >YmaH$ ZH$X {ZH$mgr H$aZo _ gj_ Zht hmo gh$vm h, `{X dv _mz df H$m CgH$m ZH$Xr IM CgHo$ \$m À`y Z H$mS > na {nn>bo {~qbj MH«$ VH$ dv _mz df Ho$ Hw$b IM} Ho$ 40% go A{YH$ h & df go Ame` H $b S>a df go hmojm& 6.5. H$mS >YmaH$ H$mo {H$gr ^r n[apñw{v _ AnZr H«o${S>Q> {b{_q>/zh$x gr_m H$mo nma Zht H$aZm Mm{hE²& ~ H$ Ho$ nmg CZ g^r bozxoz H$mo AñdrH$ma H$aZo H$m A{YH$ma gwa{jv h Omo {Z{X ï> H«o${S>Q> {b{_q>/zh$x gr_m go D$na h & 6.6. `{X H$mS >YmaH$ AnZr H«o${S>Q> {b{_q>/zh$x gr_m H$mo nma H$a OmVm h, Vmo Cgo H«o${S>Q> {b{_q>/zh$x gr_m go A{YH$ g^r am{e`m Ho$ EdO _ ~ H$ H$mo Vwa V ^wjvmz H$aZm hmojm, BgHo$ Abmdm, ~ H$ Ûmam à^ma/ewëh$ bjm`m OmEJm O gm {H$ g_`-g_` na 'à^ma AZwgyMr' _ Kmo{fV {H$`m OmVm h & 6.7. BZ {b{_q> Ho$ Abmdm, ~ H$ Zo YmoImY S>r H$s KQ>ZmAm H$mo H$_ H$aZo Ho$ {be Am V[aH$ ê$n go à{v {XZ `m à{v bozxoz àh$ma Am{X Ho$ Hw$N> g~-{b{_q> ^r {ZYm [av {H$E hmo gh$vo h & 6.8. H$mS >YmaH$ AnZo H$mS > ImVo _ H«o${S>Q> ~ b g, `{X H$moB h, na {H$gr ^r ã`mo `m [adms > nm B Q> Ho$ {be hh$xma Zht h & 15 H$moQ>H$ _qhðm ~ H$ {b{_q>os>