`moOZm Ho$ A§VJ©V {ZåZ{b{IV AÝ` bm^ CnbãY h¢
dm{f©H$, AÕ© dm{f©H$ Am¡a Ì¡_m{gH$ n«r{_`_m| Ho$ ^wJVmZ Ho$ {bE ^wJVmZ {V{W go EH$ _hrZo (bo{H$Z 30 {XZ go H$_ Zht ) H$s AZwH§$nm Ad{Y 15 {XZ H$s hmoVr h¡.
AJa Amn nm{bgr Ho$ {Z`_ eVm] go gh_V Zht h¢ Vmo 15 {XZ Ho$ ^rVa h_| nm{bgr bm¡Q>m gH$Vo h¢.
AJa Bg nm{bgr H$s H$_ go H$_ VrZ gmb H$s n«r{_`_| ^ar J`r hm| Am¡a CgHo$ ~mX H$s n«r{_`_ H$moB© Xo` Zht {V{W na Zht §§§§^ar OmVr Vmo nm{bgr {ZañV Zht hmoJr ~pëH$ nm{bgr _| _yb ê$n go ^ar J`r n«r{_`_m| Am¡a ~r{_V aµH$_ Ho$ ~rM Omo AZwnmV hmoVm h¡ Cgr AZwnmV H$s EH$ KQo> ~r{_V _yë` H$s {Ogo MwH$Vm _yë` H$hm OmVm h¡, nm{bgr ~Zm Xr Om`oJr. Bg Vah H$s KQo> hþE _yë` H$s nm{bgr AmJo go Cg_| d{U©V n«r{_`_m| Ho$ ^wJVmZ Ho$ Xm{`Ëd go _wº$ hmoJr bo{H$Z ^mdr ~moZgm| H$s hµH$Xma Zht hmoJr. nhbo go Kmo{fV {Z{hV CÎma ^moJr ~moZg KQ>r aH$_ H$s nm{bgr go Ow‹So> ah|Jo, ~eV} {H$ {_bo hm|.Bg Vah H$s KQ>r hþB© aH$_,g{Þ{hV ~moZgm| Ho$ gmW nm{bgr H$s ^wJVmZ {V{W na `m Cggo nhbo ~r{_V ì`{º$ H$s _¥Ë`w hmo OmZo na EH$ _wíV Xo` hmoJr.
nm{bgr bm^ {_bZm ewé hmoZo Ho$ ~mX nm{bgr ^wJVmZ {V{W VH$ aIr Om`oJr Am¡a Z ^ar J`r n«r{_`_ H$s aH$_ AJa H$moB© n«r{_`_ ~µH$m`m h¡, AJbr ~ma Xo` bm^ go Cn`wº$ ì`mOXa na _` ì`mO Ho$ H$mQ> br Om`oJr.
nm{bgr Ho$ MwH$Vm _yë` A{O©V H$a boZo na bo{H$Z ~r{_V bm^ H$m ^wJVmZ ewé hmoZo go nhbo nm{bgr na µH$µO© CnbãY h¡. µH$µO© Ho$ {Z`_ Am¡a eV] Am¡a Cg na Xo` ì`mOXa {ZJ_ g_`- g_` na V` H$aoJm. {\$bhmb ì`mO Xa 9% dm{f©H$ h¡ Omo ha N>Ro> _hrZo _yb YZ _| Ow‹S> OmVm h¡.
H$_ go H$_ VrZ gmb VH$ n«r{_`_ ^wJVmZ H$aHo$ Omar aIZo Ho$ ~mX nm{bgr g_{n©V H$s Om gH$Vr h¡. Bg nm{bgr Ho$ VhV EH$b n«r{_`_ ^wJVmZ H$mo N>mo‹S> H$a n«r{_`_ ^wJVmZ Ho$ ha VarµHo$ H$s nm{bgr H$m O_mZVr g_n©U _yë` nhbo gmb ^ar J`r n«r{_`_m|, A{V[aº$ n«r{_`_m| d¡H$pënV/ amBS>a bm^ n«r{_`_m| H$s aH$_m| H$mo N>mo‹S> H$a eof n«r{_`_m| H$s aH$_ H$m 30% hmoVm h¡. EH$b n«r{_`_ nm{bgr`m| H$m g_n©U _yë` A{V[aº$ n«r{_`_m|, d¡H$pënV/ amBS>a bm^ n«r{_`_m| H$mo N>mo‹S> H$a EH$b n«r{_`_ H$m 90% hmoVm h¡. {Z{hV ~moZgm| H$m ZH$X _yë` ^r, AJa Bg Vah H$m H$moB© ~moZg {_bm h¡, nm{bgr g_{n©V H$aZo na Xo` hmoVm h¡.
~r_m Omar aIZo Ho$ g§Vmof OZH$ n«_mU XoH$a {H$gr b¡ßg nm{bgr H$mo nhbr Z ^ar J`r n«r{_`_ H$s Xo` {V{W nm§M gmb Ho$ ^rVa _` ã`mO Ho$ V_m_ ~µH$m`m n«r{_`_m| H$m ^wJVmZ H$aHo$ {\$a go bmJy {H$`m Om gH$Vm h¡. _m¡OyXm ì`mO Xa 8% dm{f©H$ h¡ Omo ha N>Ro> _hrZo _yb YZ _| Ow‹S> OmVm h¡.
nm{bgr nmÌVm H$s {ZåZ {b{IV eVm] Ho$ gmW A{V[aº$ n«r{_`_ ^wJVmZ na {ZåZ d¡H$pënH$ bm^ amBS>a XoZo H$s noeH$e H$aVr h¡.
XwK©Q>Zmde _¥Ë`w hmo OmZo na ~r{_V XyK©Q>Zm bm^ aH$_ Ho$ ~am~a A{V[aº$ aH$_ Xo` hmoVr h¡.( XwK©Q>Zm Ho$ {XZ go 180 {XZ Ho$ A§Xa) g§nyU© Am¡a ñWm`r ê$n go {dH$bm§J hmo OmZo na ~r{_V XwK©Q>Zm bm^ Ho$ ~am~a aH$_ 10 df© H$s Ad{Y _| _m{gH$ {H$ñVm| _| Xo` hmoVr h¡.
XwK©Q>Zm _| Am`r {dH$bm§JVm g§nyU© Am¡a Eogr hmoZr Mm{hE {H$ ~r{_V ì`{º$ AmOr{dH$m H$_mZo Ho$ {bE H$moB© H$m_ H$aZo _| gj_ Z hmo. XwK©Q>Zm de Am`r {ZåZ{b{IV ôõ`•Ñíו¯m H$s pñW{V _| {dH$bm§JVm bm^ {_bVm h¡
(1) XmoZm| Am§Im| H$s amoeZr H$m nyar Vah Mbm OmZm Omo dmng Z Am gH$Vr hmo; `m
(2)XmoZm| hmWm| H$m H$bmB`m| `m CZHo$ D$na go H$Q> OmZm; `m
(3)XmoZm| n¡am| H$m Q>IZm| `m CgHo$ D$na go H$Q> OmZm; `m
(4)EH$ hmW H$m H$bmB© `m CZHo$ D$na go Am¡a EH$ n¡a H$m Q>IZo `m CgHo$ D$na go H$Q> OmZm.
{ZåZ pñW{V`m| _| hþB© XwK©Q>Zm _| _¥Ë`w hmo OmZo `m {dH$bm§J hmo OmZo na H$moB© bm^ Zht {X`m Om`oJm…
(1) OmZ- ~yP H$a IwX H$mo MmoQ> nhþ§MmZo; AmË_hË`m H$m n«`mg H$aZo, {d{jßVVm `m AZ¡{VH$Vm `m ~r{_V ì`{º$ Ho$ Zerbr eam~,Xdm `m _mXH$ nXmW© Ho$ Zeo _| hmoZo,
(2){d_mZ `mÌr H$s h¡{g`V go {d_mZ `mÌm Ho$ {gdm CÈ>`Z Am¡a d¡_m{ZH$ g§~§Yr J{V{d{Y`m| go Ow‹So> hmoZo;
(3)X§S>m|, ZmJ[aH$ {djmo^, {dÐmoh,`wÕ, h_bo, {eH$ma, Kw‹S> Xm¡‹S> `m {H$gr Vah H$s Xm¡‹S> _| em{_b hmoZo;
(4)H$moB© µJ¡aµH$mZyZr H$m_ H$aVo g_` MmoQ> AmZo;
(5)geñÌ ~bm|, g¡Ý` godmAm| `m nw{bg n«{Vð>mZ _| H$m_ H$aVo hþE XwK©Q>Zm hmoZo.
nm{bgr Ad{Y Ho$ ^rVa ~r{_V ì`{º$ H$s _¥Ë`w hmo OmZo na gmd{Y ~r_m amBS>a H$s aH$_ Ho$ ~am~a aH$_ Xo` hmoVr h¡.
Ja n«r{_`_ _w{º$ bm^ _m§Jm J`m h¡ Vmo nm{bgr Ho$ VhV H$da hmoZo dmbr {H$gr J§^ra ~r_mar go J«ñV hmoZo H$m nVm MbZo na V_m_ ^mdr n«r{_`_| (Hw$b {H$ñVdma n«r{_`_| ) _mµ\$ H$a Xr OmVr h¢.
AJa ~r{_V ì`{º$ (hmoemohdme _| `m _mZ{gH$ {d{jßVVm H$s hmbV _|) nm{bgr Ho$ VhV µOmo{˜_ bmJy hmoZo H$s {V{W na `m CgHo$ bo{H$Z Omo{˜_ bmJy hmoZo Ho$ EH$ gmb Ho$ ^rVa H$^r ^r AmË_hË`m H$a boVm h¡ Vmo nm{bgr {ZañV hmo Om`oJr. Bg Ad{Y Ho$ Xm¡amZ AmË_hË`m H$aHo$ _a OmZo na {ZJ_ Bg nm{bgr Ho$ AmYma na nm{bgr _| {Z{hV Vrgao nj Ho$ n«_m{UV bm^ Xm`H$ {hVm| H$mo N>mo‹S>H$a {OgHo$ ~mao _| _¥Ë`w go H$_ g_ H$_ EH$ H¡$b|S>a _mh nhbo Cg H$m`m©b` H$mo gyMZm Xr J`r hmo {Oggo nm{bgr Omar hþB© Wr, {H$gr Vah Ho$ Xmdo na {dMma Zht H$aoJm.
"" Hw$N> bm^ Om_mZVr hmoVo h¡ Am¡a Hw$N> n[adV©Zr` Omo ~r_m H$Vm© H§$nZr Ho$ ^mdr ~r_m ì`mnma na AmYm[aV hmoVo h¢. AJa AmnH$s nm{bgr O_mZVr bm^m| H$s noeH$e H$aVr h¡ Vmo Bg n¥ð> na Xr J`r {ddaU Vm{bH$m _| CZHo$ AmJo ñnï> én go "O_mZVr' {bIm hmoJm. AJa AmnH$s nm{bgr n[adV©Zr` bm^m| H$m n«ñVmd H$aVr h¡ Vmo Bg n¥ð> na Xr J`r {ZXe©Z Vm{bH$m _| Xmo AZw_m{ZV ^mdr {Zdoe Am` Xr J`r hmoJr. `o AZw_m{ZV ^mdr {Zdoe Am` Xr J`r hmoJr. `o AZw_m{ZV Am` Xa| O_mZVr Zht hmoVt Am¡a Z Amn H$mo {_bZo dmbr aµH$_ H$s D$nar `m {ZMbr gr_mE§§ hr h¡ Š`m|{H$ AmnH$s nm{bgr H$m _yë` ^mdr {Zdoe H$mamo~ma g_oV H$B© H$maU| na {Z^©a hmoVm h¡.''
n«doe Ho$ gmW C_« ( ~r{_V ì`{º$) … 35 gmb
nm{bgr H$s Ad{Y … 25 gmb
n«r{_`_ ^wJVmZ Ad{Y … 25 gmb
n«r{_`_ ^wJVmZ H$m VarµH$m … dm{f©H$
~r{_V aH$_ … 1,05,000/- én`o
AZw_m{ZV ~moZg …én`o 21 n«{V hµOma ~r{_V aH$_ 6% Am` Xa go
55 én`o n«{V hµOma ~r{_V aH$_ na 10% Am` Xa go
A§{V_ ~moZg :170 én`o n«{V hOma ~r{_V aH$_ 6% Am` Xa go
450 én`o n«{V hµOma ~r{_V aH$_ 10% Am` Xa go dm{f©H$
dm{f©H$ n«r{_`_ … 4,606/- én`o
A{V[aº$ bm^…
| 22 |
1,01,332
|
21,000
|
0 |
0 |
21,000
|
21,000 |
| 23 |
1,05,938
|
21,000
|
0 |
0 |
21,000
|
21,000 |
| 24 |
1,10,544
|
21,000
|
0 |
0 |
21,000
|
21,000 |
| 25 |
1,15,150
|
42,000
|
72,975
|
1,91,625
|
1,14,975
|
2,33,625 |
n«doe Ho$ gmW C_« ( ~r{_V ì`{º$) … 35 gmb
nm{bgr H$s Ad{Y … 25 gmb
n«r{_`_ ^wJVmZ Ad{Y … 1 gmb
n«r{_`_ ^wJVmZ H$m VarµH$m … dm{f©H$
~r{_V aH$_ … 1,05,000/- én`o
AZw_m{ZV ~moZg …én`o 24 n«{V hµOma ~r{_V aH$_ 6% Am` Xa go
92 én`o n«{V hµOma ~r{_V aH$_ na 10% Am` Xa go
A§{V_ ~moZg :200 én`o n«{V hOma ~r{_V aH$_ 6% Am` Xa go
760 én`o n«{V hµOma ~r{_V aH$_ 10% Am` Xa go dm{f©H$
dm{f©H$ n«r{_`_ … 59,157/- én`o
| 1 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 2 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 3 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 4 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 5 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 6 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 7 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 8 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 9 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 10 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 15 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 20 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
| 25 |
59,157
|
1,05,000
|
0 |
0 |
1,05,000
|
1,05,000 |
A{V[aº$ bm^…
| 22 |
59,157
|
21,000
|
0 |
0 |
21,000
|
21,000 |
| 23 |
59,157
|
21,000
|
0 |
0 |
21,000
|
21,000 |
| 24 |
59,157
|
21,000
|
0 |
0 |
21,000
|
21,000 |
| 25 |
59,157
|
42,000
|
84,000
|
3,21,300
|
1,26,000
|
3,63,300 |
1. `h ã`moam Ky_« nmZ Z H$aZo dmbo (ñdmñÏ`, OrdZ e¡br Am¡a ì`dgm` H$s Ñ{ï> go) _mZH$ OrdZ OrZo dmbo ñÌm²-nwéfm| na bmJy hmoVm h¡.
2. µJ¡a O_mZVr bm^:
Cn`w©ŠV Vm{bH$m _| (1) Am¡a (2) H$m AmH$bZ Bg Vah {H$`m J`m h¡ {H$ dh
6 n«{VeV gmbmZm pñW{V(1) Am¡a 10 n«{VeV gmbmZm pñW{V (2) H$s AZw_m{ZV ã`mO Xam| na g§H$pënV {Zdoe bm^ Ho$ AZwê$n hm|. Xygao eãXm| _| H$h| Vmo `h bm^ Vm{bH$m H$mo ~ZmVo g_` `h _mZ H$a Mbm J`m h¡ {H$ EbAmB©gr nm{bgr H$s Ad{Y ^a _| {Zdoe go gmbmZm H«$_e… N>h Am¡a 10 n«{VeV bm^ H$_m`oJm. g§H$pënV {Zdoe bm^ Xa O_mZVr Zht h¡.
3. Bg ñnï>rH$aU H$m _w»` CÔoí` `h h¡ {H$ J«mhH$ `h AZw_mZ bJm gHo$ {H$ {d{^Þ pñW{V`m| _| Cgo AnZo {Zdoe na AZw_mZV… {H$VZm bm^ {_boJm Am¡a dh `moOZm H$s _w»` {deofVmAm| go AdJV hmo gHo$.
4. ^mdr ~moZg ^mdr bm^ na AmYm[aV hm|Jo {bhmµOm do O_mZVr bm^ Zht h¢. ~hahmb, EH$ ~ma KmofUm hmo OmZo Am¡a nm{bgr go Ow‹S> OmZo Ho$ ~mX Jma§Q>rewXm hmo OmVo h¢.
^wJVmZ {V{W na {_bZo dmbo bm^ nm{bgr H$s eVm] Ho$ A§V _| Xem©`o J`o h¢&
1. H$moB© ^r ì`{º$ n«Ë`j `m namoj ê$n go {H$gr ì`{º$ H$mo ^maV _| OrdZ `m g§n{Îm H$mo {H$gr ^r Vah H$s Omo{˜_ H$s gwajm H$m bmbM XoH$a ~r_m nm{bgr boZo, `m CgH$m ZdrZrH$aU H$aZo `m Cgo Omar aIZo H$m n«bmo^Z Zht XoJm `m n«bmo^Z Zht XoZo XoJm, Xo` H$_reZ na nyU© `m Am§{eH$ ê$n go Ny>Q> XoZo, `m nm{bgr _| {Z{X©ï> n«r{_`_ na {H$gr Vah H$s Ny>Q> XoZo H$m n«bmo^Z Zht XoJm Am¡a Z XoZo XoJm Am¡a Z nm{bgr boVo g_`, `m ZdrZrH$aU H$aVo g_` `m Cgo Omar aIVo g_` hr H$moB© ì`{º$ ~r_m H§$nZr H$s {dda{UH$m `m gm[aUr _| d{U©V Ny>Q>m| Ho$ {gdm {H$gr Vah H$s Ny>Q> ñdrH$ma ht H$aoJm, AJa H$moB© ~r_m EO|Q> AnZr ~r_m nm{bgr na H$_reZ boVm h¡ Vmo Bg Cn AZwÀNo>X Ho$ AÝd`mWm] _| Cgo Ny>Q> Zht _mZm Om`oJm ~eV} {H$ dh ~r_m EO|Q> {Z{X©ï> eVm] na Iam CVaVm hmo {Oggo Bg VÏ` H$s nw{ï> hmo gHo$ {H$ dh ~r_m H§$nZr H$m A{YH¥$V EO|Q> h¡.'
2. Bg AZwÀNo>X Ho$ n«mdYmZm| H$m Cëb§KZ H$aZo dmbo ì`{º$ na nm§M gm¡ én`o VH$ Ow_m©Zm {H$`m Om`oJm.
{Q>ßnUr: BgHo$ gmW Hw$N> eV] Ow‹S>r hþB© h¢. CZ eVm] H$s ~m~V OmZH$mar Ho$ {bE nm{bgr Ho$ XñVmdoµO XoI| `m h_mao µH$ar~r emIm H$m`m©b` go g§nH©$ H$a|.
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