{d{^Þ {d^mJ H$s g^r à{V^mAm| H$mo YÝ`dmX, {OÝhmoZo …/cite> · {d{^Þ

$Page 1: {d{^Þ {d^mJ H$s g^r à{V^mAm| H$mo YÝ`dmX, {OÝhmoZo …/cite> · {d{^Þ$
{d{^Þ {d^mJ H$s g^r à{V^mAm| H$mo YÝ`dmX, {OÝhmoZo AnZm g_`, YraO Am¡a XjVm go h_| ghr g_mYmZ V¡`ma H$aZo _| _XX H$s.

1. _oar 80 C {b{_Q> nhbo go hr nyar hmo MwH$s h¡. _wPo A{V[aº$ {Zdoe H$aZo H$s μOê$aV Zht h¡.

2. NSC Ho$ A§VJ©V Am` Jma§Q>rS> h¡, O~{H$ dh `y{bßg _| Zht AmVo h¢.

3. _oar {nN>br nm°{b{g`m| Ho$ E\$dr _| H$moB© d¥{Õ Zht hþB© h¡, {\$a _| Z`m ßbmZ Š`m| by§?

4. _¡Zo gwZm h¡ {b BALIC _| Šb¡_ goQ>b_|Q> ~{‹T>`m Zht h¡, {\$a _¢ Amngo ßbmZ Š`m| IarXy§?

5. _wPo AnZr H§$nZr H$s Amoa go nm°{bgr {_br h¡. _¢ Am¡a nm°{b{g`m§ Š`m| ãrXy§?

6. _¢ Hw$N> _hrZm| ~mX IarXy§Jm. A^r `h nm°{bgr boZm Zht MmhVm.

7. \o${_br Ho$à\$ñQ>© Ho$ {bE _oao [aíVoXma H$m Šb¡_ goQ>b_|Q> Iam~ Am¡a Yr_m ahm. _¢ Amngo ßbmZ Š`m| ãrXy§?

8. `y{bßg H$s VwbZm _| å`wMwAb \§$S>+Q>_© ßbmZ ~ohVa h¢.

9. {H$gr ^r àmBdoQ> ~r_mH$Vm© H$s ~Om` _wPo EbAmB©gr na μμÁ`mXm âmogm h¡.

10. ~r_| _| H$moB© VabVm Zht h¡.

11. Bg ßbmZ _| Am§{eH$ AmhaU Ho$ ~mX Ý`yZV_ \§$S> _yë` ~hþV A{YH$ h¡

12. AmnHo$ ßbmZ go EbAmB©gr MmBëS> ßbmZ ~ohVa h¡. _¢ AmnH$m ßbmZ Š`m| ãrXy§?

13. Š`m 15-20 gmb ~mX AmnH$s H§$nZr H$m ApñVËd ahoJm?

14. _wPo OrdZ ~r_m H$s μOê$aV Zht h¡.

15. _oao D$na H$μO© h¡. _¢ ~r_m IarXZo H$s pñWVr _| Zht hÿ§.

16. ~mμOma _§Xr _| hmoZo na FV _| H$mμ\$s {JamdQ> AmVr h¡ bo{H$Z O~ ~mμOma VoμOr _| hmo Vmo E\$dr Cgr _mÌm _| Zht CR>Vm h¡.

17. n|eZ Jma§Q>r H$s VwbZm _| S>mH$Ka _m{gH$ Am` ñH$s_ ~ohVa h¡. {\$a _¢ ò Š`m| IarXy§?

18. _oao nmg n¡gm Zht h¡. _¢ ~r_m Zht ãrX gH$Vm hÿ§.

19. _oao H$moB© Am{lV Zht h¢.

20. _¢ nhbo go hr Amoda B§í`moS>© (μμÁ`mXm ~r{_V) hÿ§.

21. _oao nmg n`m©á YZ h¡.

22. {\$ŠgS> {S>nm°{μOQ> H$s VwbZm _| B{_{S>EQ> EÝ`wBQ>r _| Am` H$s Xa H$_ h¡.{\$a Bgo _¢ Š`m| ãrXy§?

23. AÝ` H§$n{Z`m| H$s VwbZm _| \§$S> {dH$mg Xa H$_ h¡.

24. {Z`m_H$ g§ñWmE§ à^mdr Zht h¢.

25. nm°{bgr _¡À`mo[aQ>r Ho$ g_` gaH$ma Ûmam 10 (10 D) hQ>m/~Xb Xr OmE Vmo Š`m hmoJm?

26. BALIC EH$ àmBdoQ> H§$nZr h¡.

27. hoëW ßbmZ _wPo H$moB© Am` Zht XoVm h¡. _¢ Bgo Š`m| by§?

""_oar 80 C {b{_Q> nhbo go hr nyar hmo MwH$s h¡._wPo A{V[aº$ {Zdoe H$aZo H$s µOê$aV Zht h¡.''

A. AmnH$m ^{dî` {H$g na {Z^©a h¡-80C {b{_Q> `m C{MV \$m`Zm§{e`b ßbmqZJ na ?· Š`m AmnH$mo nVm h¡ {H$ [aQ>mà_|Q> Ho$ ~mX `hr OrdZe¡br H$m`_ aIZo Ho$ {bE {H$VZr ny§μOr H$s μOê$aV

hmoJr?· AmO IwX H$mo 80 C {b{_Q> _| ~m§Y XoZo go [aQ>mà_|Q> ~mX Ho$ dfm] _| _XX Zht {_boJr.· ~r_m go AmnHo$ n[adma H$mo AmnH$s J¡a-_m¡OyXJr _| AmnHo$ Ûmam V` am{e nmZo _| _XX {_boJr.· ha {H$gr Ho$ AbJ-AbJ Am{W©H$ Xm{`Ëd hmoVo h¢. Bg{bE CÝh| AbJ VarHo$ go ~MV H$aZr hmoVr h¡. g^r

H$s μOê$aVm| Ho$ {bE EH$ hr am{e n`m©á Zht h¡.· Amn {Zdoe H$aZm amoH$ X| Vmo Š`m hmoJm? Amn _wÐmñ\$s{V (_h§JmB©) H$m gm_Zm H¡$go H$a|Jo?· `{X AmO Amn {gμ\©$ H$a (Q>¡Šg) H$mo XoIH$a hr \¡$gbm b|Jo Vmo H$b AmnHo$ n[adma H$mo H${R>ZmB© hmoJr.

B. {Zdoe Ho$ {bE {gμ\©$ H$a {Z`moOZ (Q>¡Šg ßbmqZJ) hr H$maU Zht hmoZm Mm{hE· AmnH$s ^mdr μOê$aV| d¡gr hr ah|Jr, Mmho H$a H$mZyZ ~Xb OmE§ `m Zht.· `{X ~MV _mÜ`_ H$a bm^ XoZm ~§X H$a X| Vmo Š`m Amn ~MV H$aZm amoH$ X|Jo?· h_oem H$a ~MV H$mo Ü`mZ _| aIH$a {Zdoe H$aZo go A{Z`mo{OV Am¡a AŠga JbV _mÜ`_ _| {Zdoe hmo

OmVm h¡.· AmnH$mo àmW{_H$Vm V` H$aZr hmoJr {H$ _hËd Š`m aIVm h¡-H$a ßbmqZJ `m bmB\$ ñQ>oO ßbmqZJ.· AmnH$s Am` H$a-`mo½` h¡, bo{H$Z Š`m BgH$m _Vb~ ò h¡ {H$ h_ Am¡a H$_mZm Zht MmhVo ? ~r_m ^r

AmnH$s g_¥{Õ ~‹T>mZo Ho$ {bE h¡.· _moQ>a B§í`moa|g, Q´>mdob B§í`moa|g Am{X IarXZo na H$moB© H$a bm^ Zht {_bVm h¡. Š`m h_| dmH$B© _| H$a

Hw$ebVm H$mo XoIZm Mm{hE h_mar μOê$aVm| Ho$ {hgm~ go \¡$gbm boZm Mm{hE?· H$a ßbmqZJ EH$ AbJ {df` h¡ Am¡a Bgo AmnHo$ {Zdoe CÔoí`m| go nao h¢S>b H$aZm Mm{hE.· B{¹$Q>rμO, FD Am{X AÝ` _mÜ`_m| _| {Zdoe H$a bm^ Zht XoVm h¡. {\$a ^r bmoJ BZ_| {Zdoe H$aVo h¢.

C. OrdZ ~r_m AmnHo$ Am{lVm| H$mo [aßbog_|Q> Am` àXmZ H$aVm h¡· OrdZ H$s ~mX H$s AdñWmAm| _| ~r_m boZm _h§Jm hmo gH$Vm h¡. Amn ~r_o go d§{MV ^r hmo gH$Vo h¢.· 80 C H$a ~MmZo Ho$ {bE h¡. ~r_m ^mdr ZH$Xr àdmh Ho$ {bE h¡. `h CZ KQ>ZmAm| Ho$ {bE h¡ Omo AZMmhr

`m g§{X½Y h¢.· OrdZ ~r_m A{V Amdí`H$ h¡. AmnHo$ Ûmam AmO {bE JE \¡$gbo na {Z^©a hmoJm {H$ AmnHo$ n[adma H$mo

AnZm OrdZñVa H$m`_ aIZo _| _XX {_boJr `m CZ na g_Pm¡Vm H$aZm hmoJm. \¡$gbm AmnH$m h¡.· h_ h_oem gmoMVo h¢ {H$ h_ hmXgm| go ANy>Vo ah|Jo Am¡a Bg Vah ~r_o H$s AZXoIr H$aVo h¢.

D. ~MV H$aZo Ho$ X~md go hr AmnH$mo AnZo bú` hm{gb H$aZo _| _XX {_boJr· AnZr {Zdoe AmXV H$mo H$a ~MV O¡go AñWmB© \$m`Xm| go AmμOmX aI|.· AnZo {Zdoem| H$m A{YH$V_ _yë` nmZo Ho$ {bE OëXr ewéAmV H$a|.· {~Zm éHo$ AZwem{gV T>§J go {Z`{_V {Zdoe H$aZodmbo bmoJ AnZo YZ H$m gdm}Îm_ \$m`Xm CR>mVo h¢.· `{X AmnH$m {Zdoe CÔoí` ñnï> hmo Vmo, AmnH$mo Cg _mÌm _| YZ ~Mm boZm Mm{hE, Mmho H$a-{dYmZ Hw$N>

^r hmo.· {Zdoe EH$ ~‹T>Vo hþE no‹S> H$s Vah hmoVo h¢. {OÝh| nZnZo Ho$ {bE g_` Mm{hE. ^{dî` _| \$m`Xm| H$m \$b

nmZo Ho$ {bE h_| ghr g_` na ~rO ~moZm hmoJm.

""NSC Ho$ A§VJ©V Am` Jma§Q>rS> h¡, O~{H$ dh `y{bßg_| Zht AmVo h¢.''

A. Jma§Q>r AnZr H$s_V Ho$ gmW AmVr h¡· Jma§Q>r AmnH$s Am` H$mo gr{_V H$a XoVr h¡. H$_ Omo{I_ go Am` H$_ {_bVr h¡.· Jma§Q>r H$s H$s_V h_oem AmnH$mo hr MwH$mZr n‹S>Vr h¡.· Jma§Q>r dmbm H$moB© ^r {Zdoe _mÜ`_ AmnH$mo VwbZmË_H$ ê$n go Omo{I_ _wº$ Am` XoVm h¡. Bggo AmnH$s

Am_XZr H$_ hr ahVr h¡.· AmO Omo Jma§Q>rS> Am` AÀN>o {XI aho h¢, dh Am{W©H$ pñW{V à{VHy$b hmoZo na hmo gH$Vm h¡ H$b ^r Eogo AÀN>o

Zht {XI|.· `{X Amn H$_ Omo{I_ CR>mZm MmhVo h¢ Vmo `y{bn _| {Zdoe H$s{OE.

B. nmoQ>©\$mo{b`mo {d{dYVm- Z`m \$m`Zm§{e`b _§Ì· AmnHo$ nmoQ>©\$mo{b`mo _| Omo{I_r Am¡a J¡a-Omo{I_r gån{Îm`m| H$m g§VwbZ hmoZm μOê$ar h¡.· AnZo g^r A§S>o EH$ hr Q>moH$ar _| Z aI|.· AmnHo$ nmoQ>©\$mo{b`mo Eogo {Zdoe B§ñQ®>_|Q²>g hmoZo Mm{hE, Omo AmnH$mo _wÐmñ\$s{V g_m`mo{OV à{V\$b X|-

O¡go{H$ `y{bßg· `y{bßg AmnH$mo ~ohVa VabVm (ZH$Xr àdmh) XoVo h¢.· `y{bßg AmnH$mo AngmBS> J¡Ýg go bm^ boZo Ho$ _m¡Ho$ Ho$ gmW S>mCZgmBS> ajU àXmZ H$aVo h¢.· AVrV H$mo XoIm OmE Vmo B{¹$Q>r Zo AÀN>m à{V\$b {X`m h¡.· ã`mO Am` `y{bßg Ho$ A§VJ©V H$a-`mo½` Zht h¡, O~{H$ NSC _| `h H$a-`mo½` h¡.

C. `y{bßg AmnH$mo g_J« H$daoO àXmZ H$aVo h¢· `y{bn "gwajm' Am¡a "~MV' H$m gd©loð> g§J_ h¡. `h AmnH$mo XmoZm| hr {dH$ënm| Ho$ \$m`Xo XoVm h¡.· AmnH$s J¡a-_m¡OyXJr _| `y{bßg AmnHo$ n[adma H$mo Am{W©H$ ghmam àXmZ H$aVo h¢.· AZhmoZr H$s Xem _| `y{bßg Vwa§V VabVm àXmZ H$aVo h¢.· {H$gr AZhmoZr (_¥Ë`w `m Am§{eH$/gånyU© Aj_Vm) H$s Xem _| AmnHo$ n[adma H$s Am{W©H$ Amdí`H$VmAm|

Ho$ {dÎm nmofU hoVw d¡da Am°μ\$ àr{_`_ Am¡a \o${_br B§H$_ ~o{Z{\$Q> O¡gr ˜y{~`m§ ~oOmo‹S> AmYma h¢.· `y{bßg AmnH$mo EŠgrS>|Q>b S>¡W ~o{Z{\$Q> Am¡a {H«${Q>H$b BbZog O¡go A{V[aº$ H$daoO XoVm h¡. `h ~hþV

_hËdnyU© Jma§{Q>`m§ h¢.

D. `y{bßg AmnH$mo ~hþV gmam bMrbmnZ XoVo h¢· EZEggr _| g_` nyd© AmhaU g§^d Zht h¡, O~{H$ `y{bßg AmnH$mo 5 gmb ~mX Am§{eH$ AmhaU H$s

gw{dYm XoVo h¢.· Q>m°n-Aßg AmnH$mo CâVo "CX`_mZ ~mOmam|' H$m bm^ boZo _| _XX H$aVo h¢.· `y{bßg h_| {d{^Þ AgoQ> dJm] H$m ì`mnH$ {dH$ën XoVo h¢.· h_mao nmg qgJb àr{_`_ nm°{b{g`m§ h¢, dh Jma§Q>r ^r XoVr h¢.· ìhrb-Am°μ\$-bmBμ\$ {Zdoe nmoQ>©\$mo{b`mo aUZr{V Ho$ gmW {ZdoeH$ H$mo \§$S> _¡ZoO_|Q> J{V{d{Y`m| go amhV

{_bVr h¡.· ~r_m nm°{b{g`m| H$mo AgmBZ {H$`m Om gH$Vm h¡, Omo H$mof OwQ>mZo _| ghm`H$ h¡.· {ddm{hV _{hbm Ho$ gån{Îm A{YH$ma O¡gr ì`dñWmE§ {gμ\©$ ~r_m `moOZmAm| _| hr hmo gH$Vr h¢.· S>mH$Ka H$s VwbZm _| ~r_m H§$n{Z`m§ AmnH$mo ~ohVa J«mhH$ godmE§ àXmZ H$aVr h¢.

E. {Zdoe _mÜ`_ AmnHo$ CÔoí` Ho$ AZwê$n hmoZm Mm{hE· AënH$mb Ho$ {bE {Zdoe H$aZo Ho$ {bE Jma§{Q>`m R>rH$ h¢. bo{H$Z XrK©H$mb _| ~mOma-qbŠS> _mÜ`_ ~ohVa

Am` XoVo h¢.· ~ƒm| H$s {ejm Am¡a {ddmh O¡go XrK©H$mbrZ CÔoí` `y{bßg Ho$ μO[aE AÀN>o go nyao hmoVo h¢.· `y{bßg Ho$ _mÜ`_ go énr H$m°ñQ> EdaoqOJ H$m g~go AÀN>m bm^ {b`m Om gH$Vm h¡.· `y{bßg X~mdnyU© ~MV h¡.

""_oar {nN>br nm°{b{g`m| Ho$ FV _| H$moB© d¥{Õ Zht hþB© h¡, {\$a _| Z`m ßbmZ Š`m| by§?''

A. ~mμOma h_oem EH$ O¡gm Zht ahVm· `y{bn EH$ XrK©H$mbrZ {Zdoe g_mYmZ h¡. AënH$mbrZ CVma-M‹T>md go qMVm Zht H$aZr Mm{hE.

· h_ {Zdoe H$aVo ah| Am¡a b§~o g_` VH$ {Zdoe H$m`_ aI| Vmo hr énr H$m°ñQ> EdaoqOJ h_| AZwHy$b n[aUm_ XoVm h¡, {\$a ^r `h AënH$mbrZ CVma-M‹T>mdm| H$m Ü`mZ aIVm h¡.

· EH$ Am_ AmX_r H$mo nVm Zht MbVm {H$ H$~ ~mOma D$na `m ZrMo h¡. ~mOma H$mo Q>mB_ H$aZo H$s H$mo{ee H$^r ^r Zht H$aZr Mm{hE. {Z`{_V ê$n go {Zdoe H$aVo hþE XrK©H$mb VH$ {Zdo{eV ahZm h_oem ~ohVa ahVm h¡.

· `{X AmnH$mo ~mμOma ApñWaVm amg Zht AmVr Vmo h_mam AgoQ> bmoHo$eZ \§$S> AmμO_mBE.

· {nN>bo Xmo dfm] _| nyam ~mμOma ApñWa ahm h¡. _§X {dH$mg H$m gmjr hmoZm ñd^m{dH$ h¡. `{X Amn Bg AdñWm _| Bggo Xya ahVo h¢ Vmo Amn BgHo$ gH$mamË_H$ nhby go d§{MV hmo gH$Vo h¢.

B. {gñQ>o_¡{Q>H$ {Zdoe go ny§Or I‹S>r H$aZo _| _XX {_bVr h¡· [aQ>mà_|Q> O¡gr OrdZ AdñWm g§~§Yr μOê$aVm| Ho$ {bE {Z`{_V ê$n go {Zdoe H$aZm ~ohVa hmoVm h¡.

· \§$S> à~§Y H$m¡eb Ho$ ~mao OmZZo Ho$ {bE NAV na ZμOa ‹S>m{bE. FV, NAV Am¡a MmO}g H$m {_lU h¡. NAV go AmnH$mo nVm MboJm {H$ \§$S> H$mo {H$VZo AÀN>o T>§J go _¡ZoO {H$`m J`m h¡. `{X Amn g§Vwï> hmo Vmo h_go ZE ßbmZ ãrX gH$Vo h¢.

· _¡À`mo[aQ>r VH$ hmoëS> H$aZo na `y{bßg ~ohVa Am` X|Jo.

· ßbmZ Ho$ Xm¡amZ bm°`ëQ>r/Jma§Q>rS> E{S>eÝg AmnHo$ FV H$mo gH$mamË_H$ ~b X|Jo.

· MmO}g (ewëH$) T>m§Mo H$mo Eogo T>§J go ~Zm`m h¡ {H$, O¡go-O¡go AmnH$s nm°{bgr nwamZr n‹S>Vr h¡, AmnH$s ewëH$ H$Q>m¡{V _| H$_r AmEJr Am¡a E\$dr ~‹T>oJm.

C. Omo{I_ à{V\$b g§~§Y· ~ohVa Am` Ho$ {bE, Cƒ Omo{I_ go Ý`yZ Omo{I_ \§$S> VWm BgHo$ R>rH$ CbQ> pñdM H$aZm n‹S> gH$Vm h¡.

· \§$S> M`Z ~hþV _hËdnyU© h¡. `h Am` H$m àH$ma V` H$aVm h¡. `{X Am` M`Z Ho$ AZwgma Zht hmo Vmo \§$S> H$mo ~Xbm Om gH$Vm h¡.

· Omo{I_ H$mo Wmo‹S>m Zmng§X H$aZodmbo bmoJm| Ho$ {bE h_mam ìhrb-Am°μ\$-bmBμ\$ nmoQ>©\$mo{b`mo aUZr{V EH$ ~ohVa {dH$ën h¡.

· _Zr {gŠ`moa O¡go h_mao CËnmX AmnH$mo ~mOma Ho$ AngmBS> H$m AmZ§X boZo H$m _m¡H$m X|Jo dht AnZo Eí`moS>© arQ>Z©g \§$S> Ho$ _mÜ`_ go AmnH$s S>mCZgmBS> H$m ajU H$a|Jo.

D. OrdZ _| ~XbVo CÔoí`m| Ho$ {bE h_| àmdYmZ H$aZo Mm{hE· EH$ ßbmZ g^r {dÎmr` μOê$aVm| H$mo nyam Zht H$a gH$Vm h¡.

· AmnH$mo {Z`{_V ê$n go AnZo øw_Z bmBμ\$ d¡ë`y H$s g_rjm H$aHo$ OmZZm Mm{hE Amn n`m©á ê$n go H$dS>© h¢ `m Zht.

· Š`m EH$ OrdZ ~r_m nm°{bgr AmnH$s OrdZâ H$s g^r μOê$aVm| H$mo nyam H$aZo Ho$ {bE n`m©á h¡? AmnH$mo OrdZâ Ho$ {bE AnZo {Zdoe H$s ßbmqZJ H$aZo H$s μOê$aV h¡. Amn Bgo H¡$go H$aZo H$s gmoM aho h¢?

· AmnH$s {nN>br nm°{bgr Hw$N> gmb _| g_má hmo OmEJr. AmnH$mo OrdZâ Ho$ {bE {Zdoe ßbmqZJ H$s μOê$aV h¡. `h Amn H¡$go H$aZm MmhVo h¢?

""_¡Zo gwZm h¡ {b BALIC _| Šb¡_ goQ>b_|Q> ~{‹T>`m Zht h¡, {\$a _¢ Amngo ßbmZ Š`m| IarXy§?''

A. h_mam \$bg\$m h¡-""goQ>b OoÝ`wBZ Šb¡åg''· _wPo ßm¸$m `H$sZ h¡ {H$ AmnHo$ gm_Zo nyam gM Zht Am`m h¡. h_ Šb¡_ goQ>b_|Q> H$mo BALIC Ho$ g~go

_hËdnyU© dmXo Ho$ ê$n _| _mZVo h¢.· h_ g^r Šb¡_|Q> (XmdmH$Vm©Am|) H$m _wpíH$b K‹S>r _| Ü`mZ aIVo h¢.· BALIC _| dmñV{dH$ Šb¡åg H$^r ^r {~Zm goQ>b hþE Zht ahVo. J«mhH$ go àmá A§{V_ Amdí`H$ OmZH$mar

{_bZo H$s VmarI go 30 Ho$ ~mX ha {XZ Ho$ {db§~ Ho$ {bE 8% ã`mO MwH$mVo h¢.· h_Zo AnZr Šb¡_ à{H«$`m H$mo _mZdr` ~Zm`m h¡. h_Zo n[adma {ZY©Z hmoZo `m ~r{_V OrdZ AZn‹T> hmoZo `m

Cgo ~r_o Ho$ ~mao _| R>rH$ go Zht g_Pm`m J`m Am{X AmYma na ^r ^wJVmZ {H$E h¢. _wPo nyam `H$sZ h¡ {H$ {H$gr Am¡a ~r_mH$Vm© Zo h_mar Vah Eogm ~Vm©d Zht {H$`m hmoJm.

· h_Zo AZwJ«h am{e Ho$ ^wJVmZ ^r {H$E h¢.· AàmH¥${VH$ ê$n go CËnÞ Xmdm|, O¡go _§Jbmoa Eà H«¡$e, gwZm_r, _w§~B© ãbmñQ> Am{X _m_bm| _| ^r h_Zo

Ý`yZV_ XñVmdoμOm| Am¡a H$_ TAT (Q>Z© AamC§S> Q>mB_) Ho$ gmW Šb¡_ goQ>b {H$E h¢.

B. Šb¡åg {S>ñ~g© H$aVo g_` h_| Hw$N> {Z`_m| H$m nmbZ H$aZm hmoVm h¡· h_mao nmg R>mog {gñQ>_ Am¡a _μO~yV àmogog h¡, Omo Xw^m©½`de AZhmoZr hmoZo Ho$ ~mX Ëd[aV goQ>b_|Q>

gw{ZpíMV H$aVr h¡.· H§$nZr H$mo g^r Amdí`H$ XñVmdoμO {_b OmZo Ho$ ~mX hr Šb¡åg H$mo {S>ñ~g© {H$`m Om gH$Vm h¡.· {dH${gV Xoem| H$s VwbZm _| ^maV _| bmoJ AnZo IarXo JE OrdZ ~r_m AZw~§Y Ho$ ~mao _| bmnadmh hmoVo h¢.

Bg Vah dh H$B© ~ma AZw~§Y Ho$ VhV CZ EŠgŠbwe§g (AndO©Zm|) Ho$ ~mao _| Zht OmZVo, {Og_| Šb¡åg goQ>b Zht hmoJm.

· `h EŠgŠbwe§g nm°{bgr XñVmdoμO H$m {hñgm hmoVo h¢, bo{H$Z AŠga nm°{bgrYmaH$ CZH$mo R>rH$ go Zht n‹T>Vo, {Oggo Šb¡åg goQ>b H$aVo g_` JbV\$h_r n¡Xm hmoVr h¡.

· h_Zo AnZo A{YH$m[a`m| H$mo à{e{jV {H$`m h¡, Omo XmdmH$Vm©Am| H$mo Šb¡_ Am¡nMm[aH$VmE§ nyar H$aZo _| _mJ©Xe©Z XoVo h¢.

C. h_mao Ûmam àXmZ {H$E AÀN>o Šb¡_ AZw^d H$mo gm{~V H$aZo Ho$ {bE h_mao nmg VÏ` Am¡a Am§H$‹S>| h¢.

· `{X XmdmH$Vm© Ûmam g^r XñVmdoμO O_m {H$E OmE§ Vmo BÝh| {_bZo Ho$ h_ 5-7 {XZ _| Šb¡_ goQ>b H$a XoVo h¢. 15 {XZm| Ho$ ^rVa Šb¡_ am{e J«mhH$ H$mo {_b OmVr h¡.

· erK« Šb¡åg {Og_| A{Zdm`© XñVmdoμO àmá hþE h¢ CÝh| 30 {XZm| _| goQ>b H$a {X`m h¡.· Ý`yZV_ XñVmdoμO H$mo J¡a-erK« Šb¡åg Ho$ {bE H$hm J`m h¡, Bg{bE Eogo Xmdm| Ho$ {bE Q>Z© AamC§S> Q>mB_

(à{VdV©Z H$mb) H$_ hþAm h¡.· XaAgb h_Zo 24 K§Q>o H$s Ad{Y _| ^r Šb¡åg goQ>b {H$E h¢.· h_Zo g~go VoμO Šb¡_ 21 K§Q>o _| goQ>b {H$`m h¡ Am¡a MwH$mB© JB© am{e é.18 bmI Wr (_§Jbmoa Eà H«¡$e).· h_Zo Eogr AZmoIr ì`dñWm ^r H$s h¡ {H$ Hw$N> XñVmdoμO {_bZo na Am§{eH$ ^wJVmZ Am¡a ~mH$s Ho$ XñVmdoμO

{_bZo na eof ^wJVmZ {H$`m OmE. Bggo XmdmH$Vm© H$mo Am{W©H$ amhV {_bo.· h_ àmBdoQ> goŠQ>a _| g~go H$_ n[aË`mJ/AñdrH$ma à{VeV H$aZodmbo ~r_mH$Vm©Am| _| h¢· h_mam n[aË`mJ AZwnmV 7.5% ({d.d 2007-08 _|) go KQ>H$a 5.75% ({Xg§~a 2011 _|) hþAm h¡. h_mam

gwYam hþAm AZwnmV h_mao Hw$eb Šb¡_ àmogoqgJ H$m ñnîQ> g§Ho$V h¡.

D. gwJ_ Šb¡åg AZw^d Ho$ {bE à^mdr Cnm` {H$E h¢· h_mam "4 C' {gÕm§V h¡-Ho$à, Šbo[aQ>r, H$ñQ>_a g|{Q´>H$ Am¡a H$å`w{ZHo$eZ.· Šb¡åg Ho$ goQ>b_|Q> Ho$ {bE Q>Z©AamC§S> g_` H$mo KQ>m`m h¡ Am¡a {nN>bo dfm] H$s VwbZm _| A~ Cg_| gwYma

{H$`m h¡.· h_mao Šb¡_ goQ>b_|Q²>g CÚmoJ Ho$ _mZH$m| Ho$ g_H$j h¡.· h_mao BÝdopñQ>JoQ>am| (AZwg§YmZH$Vm©Am|)H$mo Šb¡_ àmogoqgJ _| 72 K§Q>o H$m à{ejU {X`m J`m h¡.· XmdmH$Vm© H$s gw{dYm Ho$ {bE Am°ZbmBZ, {H$gr ^r BALIC emIm _| `m J«mhH$m| H$s _XX Ho$ {bE 24x7

CnbãY H$ñQ>_a \$moH$g `y{ZQ> Ho$ _mÜ`_ go Šb¡åg {H$E Om gH$Vo h¢.· J«mhH$m| H$s {eH$m`Vm| H$s gwZdmB© Ho$ {bE h_Zo {eH$m`V {ZdmaU g{_Vr ~ZmB© h¡.

A. H§$nZr Ûmam {_bm H$daoO AmnH$m goH§$S>ar H$da hmoZm Mm{hE· `{X Amn Xygar H§$nZr _| OmZo Ho$ Q´>m§{OeZ Xm¡a _| hmo Vmo Š`m hmoJm? A§V[a_ g_` _| Amn H$daewXm Zht

hmoVo h¢.· H$b AJa AmnH$s H§$nZr `h gw{dYm dmng bo bodo Vmo Š`m hmoJm?· Am_Vm¡a na H$m`©ñWb na H$daoO AmnH$s ~o{gH$ goboar (_yb doVZ) Ho$ Hw$N> JwZm hr hmoVm h¡.· Amn H$m`©ñWb na H$_ ~r{_V hmo gH$Vo h¢.· AnZr μOê$aVm| H$m _yë`m§H$Z H$aHo$ CgHo$ AZwgma IwX H$m ~r_m H$amE§.· AmnH$mo AnZo {bE g_J« gwajm hm{gb H$aZr Mm{hE.· H$daoO CVZm n`m©á hmoZm Mm{hE {H$ AmnHo$ n[adma H$mo Am{W©H$ ê$n ghmam {_b gHo$.· AmnHo$ H$daoO H$m AmYma øw_Z bmB\$ d¡ë`y hmoZm Mm{hE.

B. AmnH$m H$daoO AmnH$s ^mdr Amdí`H$Vm| H$mo nyam H$aZm Mm{hE· Amn AnZr H§$nZr go {_bo OrdZ H$da Ho$ ghmao ~ƒm| H$s {ejm Am¡a gån{Îm aMZm O¡go XrK©H$mbrZ

bú`m| H$mo nyam Zht H$a gH$Vo h¢.· AnZr H§$nZr Ho$ ~r_o go Amn AnZo [aQ>mà_|Q> Ho$ àmdYmZ H¡$go H$a gH$Vo h¢?· Š`m AmnZo AnZr EñQ>oQ> H$m Ü`mZ aIm h¡, Omo Amn AnZo Am{lVm| Ho$ {bE nrN>o N>mo‹S> OmZodmbo h¢?· `y{ZQ> qbŠS> ßbmZ AmnHo$ {Zdoem| H$mo ~b XoVo h¢, dht Q´>o{S>eZb ßbmZ gwa{jV XrK©H$mbrZ ~MV àXmZ

H$aVo h¢.· AmnH$s H§$nZr H$s nm°{bgr AmnH$s AñWmB© μOê$aVm| H$mo Vmo nyam H$a gH$Vr h¡, bo{H$Z dh AmOrdZ pñWa

gwajm Ho$ {bE j{Vny{V© Zht H$a gH$Vr h¡.

C. d¡`{º$H$ ßbmZ AË`§V _hËdnyU© h¡· Amn {H$VZo bmoJm| H$mo OmZVo h¢, Omo {gμ\©$ AnZo {Z`moº$m Ûmam àXmZ {H$E H$da na {Z^©a h¢?· H§$nZr go Ow‹S>o ßbmZ Ho$ {dn[aV d¡`{º$H$ ßbmZ Ho$ _m{bH$ Amn hmoVo h¢.· AmnH$s H§$nZr {nH$ E§S> S´>m°n gw{dYm Xo Vmo Š`m Amn AnZm IwX H$m dmhZ Zht IarX|Jo?· AmnH$mo AnZo OrdZ H$da H$s g_rjm H$aZr hmoVr h¡ Am¡a bJmVma Cgo CÞV ~ZmZm hmoVm h¡. H§$nZr go

{_bm H$da AmnH$mo `h gw{dYm Zht XoVm.· AmnH$m d¡`{º$H$ ßbmZ AmnH$mo {H«${Q>H$b BbZog hoVw H$da H$a gH$Vm h¡ Am¡a EH$_wíV bm^ XoVm h¡, Omo

{H$ AmnHo$ {Z`moº$m Ûmam {XE H$da _| Zht hmoVm.· AnZm IwX H$m hoëW ßbmZ hmoZo na g{d©g J¡n (A§Vamb) H$s pñW{V _| AmnH$mo H$da {_bVm h¡.· A^r IwX H$m ~r_m H$amHo$ Amn AnZo [aQ>mà_|Q> ~mX H$s Am` Ho$ {bE {dÎm nmofU Am¡a AnZo ~ƒo Ho$ {bE

ny§Or OwQ>m gH$Vo h¢, {OgH$m AmnZo h_oem gnZm XoIm Wm.

D. AnZm IwX H$m ~r_m hmoZo H$m AW© h¡ A{V[aº$ gwajm· _§Xr ([agoeZ) Ho$ Xm¡amZ Om°~ Zht hmoZo H$m AW© h¡ gwajm Zht hmoZm.· d¡`{º$H$ ßbmZ Am°Q>mo-H$da/ H$da H§${Q>ZwEeZ Iy~r àXmZ H$aVm h¡, `mZr AmnH$mo A~m{YV H$daoO

{_bVm h¡.· AnZo d¡`{º$H$ ~r_m ßbmZ Ho$ gmW Amn {d{^Þ AgoQ> dJm] _| {Zdoe Ho$ Adga nmVo h¢.· AnZo g^r n[adma OZm| H$mo n`m©á ê$n go H$da hmoZm gw{ZpíMV H$aZm μOê$ar h¡.· {Z`moº$m H$m H$da EH$ nH©$ (n[abpãY) h¡. BgHo$ ~mdOyX AmnH$mo {dÎmr` gwajm Ho$ {bE ßbmZ H$aZo H$s

μOê$aV h¡.· d¡`{º$H$ nm°{bgr Ho$ gmW A{V[aº$ amBS>a {bE OmZo na ~ohVa H$daoO {_bVm h¡.

""_wPo AnZr H§$nZr H$s Amoa go nm°{bgr {_br h¡. _¢ Am¡a nm°{b{g`m§ Š`m| ãrXy§?''

A. A{YH$m§e bmoJ `ht _hgyg H$aVo h¢.· EH$ ~ma AmnH$s Am{W©H$ μOê$aVm| Ho$ ~mao _| MMm© H$a boZo Ho$ ~mX _wPo nyam {dídmg h¡ {H$ h_ AmnH$mo Hw$N>

~ohVa CnbãY H$am nmE§Jo.· `{X _wPo Am¡a 5 {_ZQ> Amngo ~mV H$aZo H$m _m¡H$m {_bo Vmo _¢ AmnH$mo ò VH©$g§JV {ZU©` boZo _| _XX H$a

nmD§$Jm {H$ A^r IarX| `m ~mX _|.· ~r_m _| g_` EH$ _hËdnyU© H$maH$ h¡, Š`m|{H$ AmnH$s øw_Z bmBμ\$ d¡ë`y Am¡a OrZo H$s ^mdr bmJV

gmb-Xa-gmb ~XbVr ahVr h¡. BgH$s g_rjm H$aVo ahZo _| g_PXmar h¡.· _¢ dmXm H$aVm hÿ§ {H$ AmnH$mo ~r_m ãrXZo Ho$ {bE μOmoa Zht S>mby§Jm. _¢ ò ^r dmXm H$aVm hÿ§ {H$ ~mV H$aZo

Ho$ {bE _wPo AnZo Hw$N> {_ZQ> XoZo na AmnH$m dŠV> ~~m©X Zht hmoJm.· Š`m AmnZo Eogm ßbmZ {b`m h¡ Omo AmnH$s "Zht OrZo H$s bmJV' Am¡a "AnZr ~MV go μμÁ`mXm OrZo' O¡go

XmoZm| hmbmV H$m Ü`mZ aIVm h¡?

B. ~mX _| IarXZo go _m¡H$m J§dm gH$Vo h¢?· hmW go J`m _m¡H$m H$^r dmng Zht bm¡Q>Vm h¡. A^r Zht IarXZo na Amn nN>Vm gH$Vo h¢.· h_ h_oem ~r_m IarXZo Ho$ {ZU©` H$mo Q>mbVo ahVo h¢, Š`m|{H$ h_ H$da Ho$ {~Zm OrZo H$s AO}Ýgr H$mo

g_P Zht nmVo h¢.· ~‹T>Vr H$s_Vm| H$mo XoIVo hþE AmnHo$ ^mdr IMm] hoVw AmO go ßbmZ H$a boZm ~ohVa h¡.· Š`m Amn AnZo ~ƒo H$s {ejm hoVw ßbmqZJ Q>mb gH$Vo h¢? `mX a{IE {H$ bmB\$ _| EH$ B\$ (`{X) h¡.· XrK©H$mb Ho$ {bE {Z`{_V {Zdoe H$aZo na g_¥{Õ H$s aMZm hmoVr h¡. Bg{bE Amn {OVZm Q>mb|Jo, CVZm

hr H$_ YZ OwQ>mE§Jo.· ~r_m H$m AW© hr OrdZ H$s A{ZpíMVVmAm| H$m Ü`mZ aIZm h¡. A{ZpíMVVm (AZhmoZr) H$^r ^r hmo

gH$Vr h¡.· OrdZ ~r_m H$mo H$moB© ^r ""Zm'' Zht H$h gH$Vm h¡. `m Vmo AmO Amn BgHo$ {bE MwH$mE§Jo `m AmnH$m n[adma

BgH$s "H$s_V' MwH$mEJm.· Amn {OVZm Q>mb|Jo, ~r_o H$m IM© CVZm hr ~‹T>oJm.· ßbmZ H$aZo _| ZmH$m_ ahZo H$m _Vb~ h¡ ZmH$m_ H$aZo H$m ßbmZ H$aZm.

C. h_ AmnH$mo AgoQ> AbmoHo$eZ _| _XX H$aVo h¢· ~m{bH$ Ho$ nmg Eogo H$B© gmao CËnmX h¢ Omo AmnH$mo AgoQ> AbmoHo$eZ _| _XX H$aVo h¢.· AmnHo$ gm_Zo H$B© gmao pdH$ën hmo Vmo \¡$gbm boZm AmgmZ hmo OmVm h¡. Mmho Amn ~mX _| ^r IarX|, Vmo ^r

BALIC Ho$ nmg T>oa gmao {dH$ën h¢.· ~r_m ßbmZ _| {_bZodmbo H$a bm^, {Zdoe Ho$ Abmdm A{V[aº$ \$m`X| h¢.· AmnHo$ nmg ß`moa àm°Q>oŠeZ ({dewÕ gwajm) go boH$a ß`moa BÝdoñQ>_|Q> ({dewÕ {Zdoe) VH$ Ho$ H$B©

{dH$ën h¢.· ~m{bH$ ßbmÝg AmnH$mo AnZm YZ ~ohVa VarHo$ go _¡ZoO H$aZo _| _XX H$aVo h¢.

D. BALIC ßbmÝg AmnH$mo AnZr OrdZe¡br H$m`_ aIZo _| _XX H$aVo h¢· Amn Hw$N> _hrZm| ~mX `m {~ëHw$b Zht ãrXZo H$m \¡$gbm H$a gH$Vo h¢- _¢ AmnH$mo ~Vm gH$Vm hÿ§ {H$

AÝ` bmoJm| Zo h_mao ßbmÝg go H¡$g \$m`Xm CR>m`m.· AmnH$s {d{dY μOê$aVm| Ho$ {bE _oao nmg {d{^Þ ßbmÝg h¢. Mmho dh [aQ>mà_|Q> Ho$ {bE hmo, ñdmñÏ` `m

{ejm Am{X Ho$ {bE.· _¢ _mZVm hÿ§ {H$ ~hþV go bmoJ ~r_m IarXZo _| {hMH$Vo h¢, bo{H$Z ò AmnHo$ {Zdoe nmoQ>©\$mo{b`mo H$m

_hËdnyU© {hñgm hmoZo Mm{hE.· AmO Amn é.10,000 _| Omo Hw$N> H$a gH$Vo h¢ CgHo$ {bE H$b é.20,000 H$s μOê$aV n‹S>oJr. Š`m AmnZo

BgHo$ {bE ßbmZ {H$`m h¡?

""_¢ Hw$N> _hrZm| ~mX IarXy§Jm.A^r `h nm°{bgr boZm Zht MmhVm.''

A. J«mhH$ H$s gw{dYm gdm}n[a h¡· AnZo J«mhH$m| H$mo gwJ_ Šb¡åg CnbãY H$amZm h_mar gdm}ƒ àmW{_H$Vm h¡. hmo gH$Vm h¡ {H$ AnZm Šb¡_

\$mBb H$aVo g_` AmnHo$ [aíVoXma Zo h_mao H$ñQ>_a Ho$à go g§nH©$ Zht {H$`m hmo, {Oggo naoemZr hþB© hmoJr. h_mao Q>mob \«$s Z§~a h¢ Ohm§ na gwJ_ Am¡a naoemZr-_wº$ Šb¡_ AZw^d Ho$ {bE J«mhH$m| H$m _mJ©Xe©Z {H$`m OmVm h¡.

· AnZo J«mhH$m| H$mo ~ohVa Šb¡_ AZw^d àXmZ H$aZo Ho$ {bE h_ Q>mob \«$s Z§~am| Am¡a H$ñQ>_a g{d©g nmoQ>©ëg Ho$ _mÜ`_ go J«mhH$m| H$mo 24x7 gh`moJ àXmZ H$aVo h¢.

· Šb¡åg Ho$ Xm¡amZ AmnH$mo Amdí`H$ OmZH$mar Am¡a ghm`Vm XoZo Ho$ {bE h_mao H$ñQ>_a Ho$à à{V{Z{Y`m| H$mo nyar Vah à{e{jV {H$`m J`m h¡.

· H¥$n`m nVm H$a| {H$ H$ht AmnHo$ [aíVoXma H$m Šb¡_ Eogo amoJ/pñWVr go g§~§{YV Vmo Zht h¡ Omo nyd©-pñWV amoJ/pñW{V H$s àVrjm Ad{Y _| hmo.

· H¡$ebog gw{dYm àXmZ H$aZo Ho$ {bE 600 ñWmZm| na h_mao 2600 ZoQ>dH©$ hm°ñnrQ>b h¢.

B. h_mao nmg TPA (WS>© nmQ>u ES>{_{ZñQ´>oeZ) H$s ~Om` HAT (hoëW ES>{_{ZñQ´>oeZ Q>r_ h¡)

· h_ ""BZ-hmCg TPA'' _| AJ«Ur h¢, {OgZo Šb¡åg Ho$ goQ>b_|Q> Am¡a H¡$ebog àr-Am°WoamBOoeZ Aàydb _| h_mam Q>Z© AamC§S> Q>mB_ KQ>m`m h¡.

· \o${_br Ho$à\$ñQ>© Ho$ A§VJ©V bJ^J 70% Šb¡åg H¡$ebog gw{dYm Ho$ _mÜ`_ go goQ>b hmoVo h¢. EMEQ>r Zo H$mJOa{hV àmogog Ho$ μO[aE H¡$ebog Ho$ {bE VoμO àr-Am°WoamBOoeZ gw{ZpíMV {H$`m h¡ Am¡a H¡$ebog _§Oyar nmZo Ho$ {bE àVrjm g_` _mÌ 30-40 {_ZQ> h¡.

· h_mao \$mñQ> H¡$ebog Aàydb go h_mao ZoQ>dH©$ hm°ñnrQ>ëg Iwe h¢ Omo ~Xbo _| h_mao J«mhH$m| H$mo ~ohVa Am¡a erK« CnMma àXmZ H$aVo h¢.

C. goQ>b_|Q> Ho$ {bE h_mam Q>Z© AamC§S> Q>mB_ B§S>ñQ´>r _| gd©loð> h¡· Am¡gV 40 {_ZQ> _| H¡$ebog Aàydb {XE OmVo h¢. O~{H$ B§S>ñQ´>r _mZH$ 8-12 K§Q>o h¡.· Šb¡åg àmogog H$aZo Ho$ {bE h_mao nmg AÀN>r à{e{jV Q>r_ h¡, {Og_| S>m°ŠQ>a em{_b h¢, {OÝhmoZo h_mam

TAT ~ohVa ~ZmZo _| _XX H$s h¡.· Am°ZbmBZ Šb¡åg àmogoqgJ H$mo gj_ ~ZmZo Ho$ {bE AnZo Šb¡åg {gñQ>_ H$mo hm°ñnrQ>b B§\$mo_}eZ

{gñQ>_ Ho$ gmW qbH$ H$aZo H$s h_mar à{H«$`m Omar h¡.

D. Q>oŠZmobm°Or g§Mm{bV Šb¡_ goQ>b_|Q> àmogog· Šb¡_ _yë`m§H$Z àmogog _| A{YH$V_ gr_m VH$ Q>oŠZmobm°Or à`moJ na h_ μOmoa XoVo h¢.· H¡$ebog àr-Am°WoamBOoeZ hoVw B_oqOJ Q>oŠZmobm°Or Ho$ gmW nonaa{hV Šb¡_ àmogog H$mo A_b H$aZo _| h_

AJ«Ur h¢, {Ogo AJñV 2010 go {H«$`mpÝdV {H$`m J`m h¡.· B_oO AmYm[aV XñVmdoμOm| Ho$ AZwgma A{YH$m§e Šb¡_ àmogoqgJ Am°ZbmBZ H$s OmVr h¡, Bg{bE h_ Am¡gV

go D$na Q>Z© AamC§S> Q>mB_ àmá H$a gHo$ h¢.· Šb¡_ {ZU©` Ho$ ~mao _| J«mhH$m| H$mo SMS Ho$ _mÜ`_ go gy{MV {H$`m OmVm h¡. BgHo$ Abmdm, J«mhH$ Šb¡_

pñWVr Am¡a b§{~V Amdí`H$VmE§ ^r XoI gH$Vm h¡.· h_ ‘NEFT’ ^wJVmZm| Ho$ μO[aE Šb¡åg goQ>b H$aVo h¢, Vm{H$ MoH$ V¡`ma H$aZo, ôOZo, ~¢H$ Ûmam g_`

bJmZo Am{X _| g_` ~~m©X Z hmo.

E. J«mhH$ \$sS>~¡H$ (à{VgmX) go ào[aV àmogog gwYma· h_mao `hm§ J«mhH$ g§Vw{ï> gd} H$s à{H«$`m h¡ Am¡a à{VgmXm| H$m Cn`moJ Šb¡_ goQ>b_|Q> àmogog gwYmaZo Am¡a

CÞV ~ZmZo _| {H$`m OmVm h¡.· J«mhH$m| H$m à{VgmX {_bZo na h_ CZH$s ~mV H$s g_rjm H$aVo h¢. Eogo à{VgmXm| H$m {díbofU H$aHo$

Šb¡åg H$s g{d©{g§J ~ohVa ~ZmZo hoVw H$ma©dmB© H$s OmVr h¡.

""\o${_br Ho$à\$ñQ>© Ho$ {bE _oao [aíVoXma H$m Šb¡_ goQ>b_|Q> Iam~ Am¡a Yr_m ahm. _¢ Amngo ßbmZ Š`m| ãrXy§?''

""`y{bßg H$s VwbZm _| å`wMwAb \§$S>+Q>_© ßbmZ ~ohVa h¢.''

A. `y{bn μμÁ`mXm gw{dYmOZH$ h¢· O~ AmnH$mo OrdZ H$da Am¡a {Zdoe Ho$ \$m`Xo `y{bn Ho$ A§VJ©V EH$ hr ßbmZ _| {_b OmE§ Vmo Amn 2

AbJ-AbJ ßbmZ Š`m| MmhVo h¢?· å`wMwAb \§$S> + Q>_© ßbmZ OrdZ H$da H$mo g_m`mo{OV H$aZo H$m bMrbmnZ Zht XoVo h¢. Bg{bE Amn

OrdZ H$da μOê$aV KQ> OmZo Ho$ ~mX ^r μμÁ`mXm ~r_m ì`` MwH$mVo h¢.· `h {dewÕ Q>_© ßbmZ h¡, _¡À`mo[aQ>r na AmnH$mo Hw$N> ^r dmng Zht {_bVm h¡.· Q>_© ßbmZ _| g_` na àr{_`_ ^wJVmZ Zht H$a nmZo na BgHo$ bm^ {_bZm ~§X hmo OmE§Jo Am¡a

ZdrZrH$aU na ã`mO bJoJm.· `y{bn H$mo dmng ewé H$aZm AmgmZ h¡.· å`wMwAb \§$S> _| ewëH$ JUZm `y{bßg H$s Vah nmaXeu Zht h¡.· Hw$b {_bmH$a `y{bßg Ûmam àXmZ H$s OmZodmbr ˜y{~`m§ Am¡a \$m`X| å`wMwAb \§$S>+ Q>_© ßbmZ {_bmH$a

{_bZodmbr ˜y{~`m| d bm^ go ^r H$mμ\$s A{YH$ h¢.· ñnrH$a, DVD, TV Am{X AbJ-AbJ ãrXZo H$s ~Om` EH$ hmo_ {WEQ>a IarXZm ~ohVa h¡.· \§$S> KamZo H$s VwbZm _| BALIC O¡gr ~r_m H§$nZr Ho$ nmg AmgmZr go nhþ§Mm Om gH$Vm h¡, Š`m|{H$ h_mar

nhþ§M Am¡a Am°{\$gm| H$s g§»`m ì`mnH$ h¡.

B. `y{bn μÁ`mXm bmoH${à` h¢· `y{bßg H$s nhþ§M å`wMwAb \§$S> H$s VwbZm _| A{YH$ h¡.· å`wMwAb \§$S> H$s VwbZm _| `y{bßg H$s FMC H$_ h¡.· å`wMwAb \§$S> _| EH$ go Xygao \§$S> _| pñdM H$aZo na Am_Vm¡a na àdoe A{Y^ma bJVm h¡.· BALIC _| Amn Agr{_V \§$S> pñdMoμO H$a gH$Vo h¢, {~ëHw$b {Z:ewëH$.· `y{bßg H$mo AgmBZ {H$`m Om gH$Vm h¡.· Hw$N> `y{bßg AmnH$mo `y{ZQ²>g H$m Jma§Q>rS> E{S>eZ àXmZ H$aVo h¢ {Oggo AmnHo$ \§$S> H$s d¥{Õ H$mo J{V

{_bVr h¡.· `y{bßg _| Amn AnZo _¡À`mo[aQ>r _yë` H$m àm°OoŠeZ nm gH$Vo h¢ (@10% Am¡a 6%) Omo å`wMwAb \§$S> _|

{~ëHw$b Zht h¡.· `{X Amn `y{bßg go g§Vwï> Zm hmo Vmo Amn \«$s byH$ {ZañVrH$aU H$m {dH$ën AnZm gH$Vo h¢.· Q>_© ßbmZ+å`wMwAb \§$S> H$s VwbZm _| `y{bßg _| Šb¡_ goQ>b_|Q> à{H«$`mE§ AmgmZ Am¡a P§PQ>a{hV h¢.

C. `y{bßg μμÁ`mXm bMrbo h¢· AnZr gwajm ~‹T>mZo Ho$ {bE `y{bßg AmnH$mo A{V[aº$ amBS>g© H$s gw{dYm XoVo h¢.· AnZr Amdí`H$VmAm| Ho$ AZwgma AnZm OrdZ H$da MwZZo Am¡a g_m`mo{OV H$aZo H$s gw{dYm `y{bßg _|

{_bVr h¡.· `y{bn _| Amn A{V[aº$ ~r_m am{e Ho$ gmW Q>m°n-Aßg Ho$ μO[aE A{V[aº$ {Zdoe H$a gH$Vo h¢. · `y{bßg _| B{¹$Q>r, S>oQ> Am¡a _Zr _mH}$Q> O¡go {d{^Þ gån{Îm dJm] dmbo EH$m{YH$ \§$S> {dH$ën hmoVo h¢. Amn

AnZr Omo{I_ é{M Ho$ AZwgma \§$S> MwZ gH$Vo h¢.· `y{bßg _| Amn AmH$pñ_H$ Amdí`H$VmAm| H$mo nyam H$aZo Ho$ {bE Aä`n©U `m \§$S²>g H$m Am§{eH$ AmhaU

H$a gH$Vo h¢.

D. g_¥{Õ aMZm _| `y{bßg ghm`H$ h¢· `y{bn _| ewëH$ T>m§Mo _| ~Xbmd go `y{bn Ho$ nj _| ~mV ~Zr h¡· `y{bn Ho$ Ama§{^H$ dfm] _| Aä`n©U ewëH$m| Ho$ H$maU Amn AnZo {Zdoe Ho$ ZH$XrH$aU hoVw àmoËgm{hV Zht

hmoVo h¢.· `y{bßg go Amn_| ~MV H$s AmXV H$m X~md ~ZVm h¡.· g^r å`wMwAb \§$S> H$a-~MV dmbo _mÜ`_ Zht h¢, bo{H$Z g^r `y{bßg h¢.· BALIC Ûmam àXÎm `y{bßg AmnH$mo BÝdoñQ>a {gboŠQ>o~b nmoQ>©\$mo{b`mo ñQ´>oQ>oOr Am¡a ìhrb-Am°\$-bmB\$

nmoQ>©\$mo{b`mo ñQ´>oQ>oOr MwZZo H$m _m¡H$m XoVo h¢.· ~ƒm| H$s {ejm Ho$ {bE `y{bßg ~hþV Cn`wº$ hmoVo h¢, Š`m|{H$ _mVm-{nVm H$s Xw^m©½`de _¥Ë`w/

amoJJ«ñV/Aj_Vm hmoZo na dh \§$S> _| ~H$m`m àr{_`_ âZm Omar aIVo h¢.

A. Bg B§S>ñQ´>r _| h_mar _m¡μOyXJr LIC go A{YH$ h¡.· LIC 56 dfm] go H$m`©aV h¡, Š`m|{H$ nhbo àmBdoQ> ~r_m H§$n{Z`m| H$mo AZw_Vr Zht Wr.· Am{b`mÝμO Ho$ nmg à~§Y Ho$ VhV n[agån{Îm`m§ ~hþV hr {demb h¢, Omo 70 go A{YH$ Xoem| _| \¡$br hþB© h¡.

Xygar Vaμ\$ ~OmO ^maV _| Ka-Ka _| OmZm-nhMmZm Zm_ h¡.· `{X nwamZm hmoZm AmnHo$ {ZU©` H$m H$maH$ h¡ Vmo h_ 121 dfm] go A{YH$ g_` go nwamZo h¢.· LIC H$m AZw^d = 55 df +, Am{b`mÝμO H$m AZw^d =121 df©+· Š`m AmnHo$ nmg Eogm Q>obr\$moZ H$ZoŠeZ h¡, {OgH$m g{d©g àmodmBS>a 50 gmb go A{YH$ nwamZm h¡.· Š`m AmnHo$ nmg 51 gmb go A{YH$ nwamZo àmBdoQ> ~¢H$ _| ~¢H$ ImVm h¡?· BALIC (AÝ` àmBdoQ> H§$n{Z`m| H$s Vah) H$m ^r LIC Vah CÚmoJ OJV _| Jm¡adembr ñWmZ h¡. `h JbV

YmaUm h¡ {H$ g~go nwamZr hmoZo Ho$ ZmVo LIC hr âmogo_§X H§$nZr h¡.

B. EH$ ~«m§S> Ho$ ê$n _| g^r bmoJ ~OmO Am{b`mÝμO Ho$ ~mao _| OmZVo h¢· ~OmO Am¡a Am{b`mÝμO XmoZm| hr ~hþV {dídgZr` Am¡a OmZr-_mZr H§$n{Z`m§ h¢.· h_ nyao ^maV _| _m¡μOyX h¢. h_ bmoJm| Ho$ ì`mnH$ dJ© H$s μOê$aV| nyar H$aVo h¢.· emImAm| H$s h_mar g§»`m AnZo Amn _| g~yV h¡ {H$ h_ `hm§ {Q>Ho$ ah|Jo, ^mJ|Jo Zht.

C. h_ {dídgZr` h¢· `hm§ YmaUm {ZUm©`H$ H$maH$ h¡. OrdZ ~r_m CÚmoJ _| Z`m hmoZo Ho$ ZmVo AnZo H$m`m] Ho$ à{V h__|

{Oå_oXmar H$s ^mdZm Am¡a gmdYmZ ~ZmVr h¡.· h_mao hmWm| _| AnZm YZ gm¢nH$a {dídmg H$aZodmbo J«mhH$m| H$s {demb g§»`m na AmnH$mo Jm¡a H$aZm

Mm{hE.· h_mao H$B© nm°{bgrYmaH$ LIC Ho$ ^r nm°{bgrYmaH$ h¢. CÝhmoZo h_go ßbmZ IarX| h¢, Š`m|{H$ BZ_| gmW©H$Vm

XoIr h¡.· 10+ dfm] _| ~m{bH$ Ho$ bmIm| J«mhH$ Bg ~mV H$m à_mU h¢ {H$ ~«m§X Ho$ ê$n _| BgH$s ~ohX {dídgZr`Vm

Am¡a âmogm h¡.· Am{b`mÝμO Xw{Z`m H$m EH$ g~go ~‹S>m AgoQ> _¡ZoOa h¡, {OgH$m 2011 H$mo g_má df© na à~§Y Ho$ VhV

n[agån{Îm`m§ 1,281 {~{b`Z `yamo H$s WS>© nmQ>u n[agån{Îm`m§ Wr.· {OZ joÌm| H$m Zr{OH$aU hþAm h¡ CZ na gaH$ma Zo AnZm {Z`§ÌU Zht hQ>m`m h¡. CgHo$ nmg {deof

{Z`m_H$ g§ñWmZ h¢-Q>obrH$m°_ Ho$ {bE TRAI ~¢Šg Ho$ {bE RBI, Cgr Vah ~r_m Ho$ {bE IRDA

D. ~OmO Am{b`mÝμO H$m {Z`_Z AmB©AmaS>rE Ûmam {H$`m OmVm h¡· IRDA Ho$ AZwgma, g^r H§$n{Z`m| Ho$ nmg é.100 H$amo‹S> H$m Ama§{^H$ ny§Or AmYma hmoZm A{Zdm`© h¡.· {Z`m_H$ (IRDA) H$s d¡Ym{ZH$ Amdí`H$Vm h¡ {H$ nm°{bgrYmaH$m| Ho$ {hV Ho$ {bE 150% gm°ëd|gr _m{O©Z

aIm OmE.· Bg {Z`_Z go h_ g^r Am¡a LIC Ho$ {bE g_mZ Adga gw{ZpíMV hmoVm h¡.· Zr{O ~r_m H§$n{Z`m§ `{X ^maVr` H$mZyZm| Ho$ C{MV {Z`_Z Ho$ A§VJ©V Zm hmo Vmo CZH$s nm°{b{g`m| na ^r

80C/80D bm^ Š`m| {XE OmVo h¢?

E. H«${_H$ {dH$mg (Bdmoë`weZ) g_` H$s _m§J h¡· nhbo J«mhH$m| Ho$ nmg {gμ\©$ 1 {dH$ën Wm, A~ ~hþV h¢. A~ AmnHo$ gm_Zo ~ohVa _| go gd©loð> MwZZo H$m

_m¡H$m h¡.· {Og Vah h_Zo ãb¡H$ E§S> ìhmBQ> TV go H$ba TV _| {dH$mg {H$`m, R>rH$ d¡go hr h_| Bggo AmJo gmoMZm

Mm{hE.· OrdZ ~r_m CÚmoJ _| Hw$N> gmb hr nwamZm hmoZo Ho$ ~mdOyX h_Zo B§S>ñQ´>r _| Hw$N> gd©loð> {Zdoe {dH$ën noe

{H$E h¢.

""{H$gr ^r àmBdoQ> ~r_mH$Vm© H$s ~Om` _wPo EbAmB©gr na µµÁ`mXm âmogm h¡.''

A. ~r_m _| VabVm hmoZo na AmnH$s gwajm Am¡a Am{W©H$ _yë` H$_μOmoa hmo OmVm h¡· AmnHo$ {bE Š`m μμÁ`mXm _m`Zo aIVm h¢- AnZo ñd`§ Am¡a n[adma H$s gwajm `m VabVm H$m {dH$ën. · VabVm H$m _Vb~ AÀN>r Am` Zht h¡.· ~r_m AmnH$mo {ddmh, {ejm, [aQ>mà_|Q> Am{X O¡go {deof Adgam| Ho$ {bE b{jV am{e àXmZ H$aVm h¡.· ~r_m H$m bú` AmnH$m Am{W©H$ _yë` gwa{jV aIZm h¡, AmnH$s AZwnpñW{V _| ^r.· AnZo X¡{ZH$ OrdZ H$s AmH$pñ_H$VmAm| H$mo nyam H$aZo Ho$ {bE Amn VabVm H$mo boH$a ~hþV qM{VV h¢.

^{dî` _| H$moB© AZhmoZr hmoZo H$s Xem _| μOê$ar hmoZodmbo YZ Ho$ ~mao _| gmo{ME.· ~r_o H$m CÔoí` _¥Ë`w, amoJ Am¡a Aj_Vm Ho$ H$maU hmoZodmbr hm{Z Ho$ {bE j{Vny{V© H$aZm h¡.· AnZo dmhZ H$m ~r_m H$amVo g_` Š`m Amn VabVm H$s gmoMVo h¢?

B. VabVm H$m n[aUm_ ""H$moB© gån{Îm Zht'' hmo gH$Vm h¡· Š`m Amn H$^r Eogo ì`{º$ go {_bo h¢, Omo AnZo nmoQ>©\$mo{b`m| _| g_ñV Vab g§n{Îm`m| Ho$ gmW YZdmZ

~Zm hmo?· gån{Îm {Z_m©U _| VabVm g~go ~‹S>r ~mYm h¡. VabVm H$s _m§J H$m Im{_`mOm AmnH$s ny§Or d¥{Õ H$mo

MwH$mZm n‹S>Vm h¡.· `{X AmnHo$ nmg V¡`ma CnbãY ZH$Xr hmo Vmo Cgo IM © H$aZo Ho$ H$B© ~hmZo {_b OmE§Jo. AË`{YH$ VabVm

go Amn AË`{YH$ Anì``r ~Z OmVo h¢.· Vab g§n{Îm`m| H$m {hñgm V` H$aVo g_` ~hþV gmdYmZ Am¡a gMoV ah|.· VabVm go _wÐmñ\$s{V H$mo _mV XoZo _| _XX Zht {_bVr h¡.· VabVm àXmZ H$aZo na ~r_o H$m _yb VËd AmhV hmoVm h¡.· ~r_m "Omo{I_m| H$m {d^mOZ h¡'. `{X g^r bmoJ VabVm Mmh| Vmo Omo{I_ ~m§Q>Zo Ho$ {bE H$moB© ^r nyb Zht

~MoJm.· μμÁ`mXm VabVm go AmnH$mo H$_ à{V\$b {_bVm h¡ Am¡a H$_ VabVm AmnH$mo μμÁ`mXm à{V\$b XoVr h¡.· ~r_m gån{Îm H$s aMZm na \$moH$g H$aVm h¡, gån{Îm Ho$ ZH$XrH$aU na Zht.

C. ~r_m EH$ XrK©H$mbrZ {Zdoe _mÜ`_ h¡· ~r_m ßbmZ go AmnH$mo {d{^Þ gån{Îm dJm] _| {Zdoe H$m _m¡H$m {_bVm h¡ Am¡a OrdZ H$da ^r.· ~r_m go AmnH$mo nmoQ>©\$mo{b`mo _| {d{dYVm bmZo _| _XX {_bVr h¡.· ~r_m EH$ X~md`wº$ ~MV h¡.· dm§{N>V XrK©H$mbrZ CÔoí` nyao H$aZo Ho$ {bE ~r_m ßbmZ {bE OmVo h¢.· h_mam CÔoí` ^{dî` Ho$ {bE ~MV H$aZm h¡, AV: VabVm H$m _wÔm h_| BVZr OëXr noemZ Zht H$aZm

Mm{hE.· Š`m gmd©O{ZH$ ^{dî` {Z{Y/H$_©Mmar ^{dî` {Z{Y _| nyU© VabVm h¡? Zht, Š`m|{H$ dh AmnHo$

[aQ>mà_|Q> hoVw XrK©H$mbrZ bm^ Ho$ {bE h¢.· AmO ~moBE Am¡a ~mX _| \$b nmBE, `hr ~r_m H$m AmYma h¡, {Og_| d¥{Õ Yrao-Yrao bo{H$Z à^mdr T>§J go

hmoVr h¡.

D. Hw$N> ~r_m ßbmZ VabVm H$m _m¡H$m ^r XoVo h¢· AmH$pñ_H$ μOê$aVm| H$mo nyam H$aZo Ho$ {bE `y{bßg _| Amn AnZo \§$S²>g H$m Am§{eH$ AmhaU `m Aä`n©U

H$a gH$Vo h¢.· `{X AmnH$mo {deof A§Vamb _| YZ H$s Amdí`H$Vm hmo Vmo Amn _Zr ~¡H$ ßbmZ AnZm gH$Vo h¢.· bmoZ Ho$ {bE AmnH$s ~r_m nm°{bgr H$mo H$m°boQ>ab Ho$ ê$n _| à{V^yV aIm Om gH$Vm h¡.

""~r_| _| H$moB© VabVm Zht h¡.''

A. AnZo CÔoí`m| H$m _yë`m§H$Z H$s{OE· `{X AmnH$m CÔoí` AënH$mbrZ VabVm hmo Vmo Amn Q>m°n-An E\$dr Ho$ ê$n _| AbJ go \§$S> aI gH$Vo h¢,

Omo Cƒ Am` A{O©V H$aoJm, gmW hr VabVm H$s gw{dYm ^r XoJm.· Amn H$B© gmar nm°{b{g`m| _| AnZm {Zdoe ~m§Q> gH$Vo h¢ Am¡a μOê$aV n‹S>Zo na gånyU© Aä`n©U H$a

gH$Vo h¢.· `y{bn O¡go XrK©H$mbrZ _mÜ`_ go AnZr AënH$mbrZ Amdí`H$VmE§ ñWmZmnÞ Zht H$aZr Mm{hE.· OrdZ ~r_m ßbmZ H$m CÔoí` b{jV {dÎmr` bú` hm{gb H$aZm h¡. Bg bú` H$mo Ü`mZ _| aIVo hþE

Am§{eH$ AmhaU go ~MZm Mm{hE.· XrK©H$mb VH$ {Zdoe H$aZo na YZ ~‹T>Vm h¡.· Am{W©H$ g§H$Q> Ho$ H$maU AJa Amn ^mdr àr{_`_| Zht MwH$m nmE§ Vmo Cƒ Ý`yZV_ FV AmnHo$ H$da Ho$ b§~o

{Q>H$Zo H$m _mJ© gwJ_ H$aVm h¡.· Bï>V_ d¥{Õ nmZo Ho$ {bE, AmnH$mo AÀN>r am{e Ho$ gmW {Zdo{eV ahZm hmoJm.· Ý`m`g§JV T>§J go ßbmZ H$a|-AnZo XrK©H$mbrZ Am¡a AënH$mbrZ CÔoí`m| H$mo Ü`mZ _| aIH$a· `{X AmnH$mo AË`{YH$ bMrbmnZ {X`m OmE Vmo AmnHo$ XrK©H$mbrZ Am{W©H$ bú` à^m{dV, n[ad{V©V Am¡a

{dñ_¥V hmo OmE§Jo.

B. Am§{eH$ AmhaU ~mX Cƒ Ý`yZV_ \§$S> d¡ë`y Ho$ {bE H$maU · `{X AmnHo$ ewëH$ H$mQ>Zo Ho$ {bE FV n`m©á Z hmo Vmo nm°{bgr g_má hmoZo H$s Ame§H$m ahVr h¡.· Cƒ Ý`yZV_ FV go AmnH$s nm°{bgr Ho$ à{V~§Y H$s g§^mdZm H$_ hmoVr h¡, {Ogo Amn Hw$ebVm go AnZo

{dÎmr` CÔoí` nyao H$a gH$Vo h¢.· `h Hw$N> am{e gwa{jV H$aVm h¡, Omo AmnHo$ AmH$pñ_H$ AmhaUm| Ho$ ~mdOyX ~‹T> gH$Vr h¡.· AmhaU Ho$ ~mX Cƒ eof go H$^r ^r ~mμOma _| d¥{Õ hmoZo na CgH$mo J{V XoZo _| _XX {_bVr h¡.· `h g^r ^mdr AmH$pñ_H$VmAm| Ho$ {bE AmnHo$ \§$S> d¡ë`y _| AÀN>r am{e H$m _mJ© àeñV H$aVm h¡.

C. Am§{eH$ AmhaU Ho$db AmH$pñ_H$Vm AmYm[aV hmo, BÀN>m AmYm[aV Zht· VabVm, g_¥{Õ {Z_m©U H$s H$s_V na {_bVr h¡. Bg{bE AënH$mbrZ VabVm H$s Ñ{ï> go ~r_m

ßbmÝg H$mo Zht XoIZm Mm{hE, Omo {H$ XrK©H$mbrZ bú`m| H$m {damoYm^mgr h¡, {OgHo$ {bE `h ßbmZ IarXm J`m h¡.

· VabVm Am¡a {dH$mg XmoZm| {dn[aV ê$n go AmZwnm{VH$ h¢. EH$ {bE AmnH$mo Xygao H$s ~{b M‹T>mZr n‹S>Vr h¡.

· n¡gm H$^r Zht gmoVm h¡. {OVZm μμÁ`mXm FV hmoJm, CVZr ~ohVa d¥{Õ hmoJr.

· Xa Agb Amn S>¡W ~o{Z{\$Q> Am¡a _¡À`mo[aQ>r ~o{Z{\$Q> Ho$ {bE `y{bn ãrXVo h¢. Am§{eH$ AmhaU go ò XmoZm| hr à^m{dV hm|Jo.

· Am§{eH$ AmhaU `mZr nm°{bgrYmaH$ H$mo IM©. `h YZ AmhaU Ho$ {bE Adga H$s bmJV h¡.

· {Z`m_H$ ^r MmhVm h¡ {H$ Amn XrK©H$mb VH$ {Zdoe ~ZmE aI|. CZHo$ AZwgma Am§{eH$ AmhaU Ho$db 5 df© ~mX hr _mÝ` H$aZm Mm{hE.

· ì`{º$ H$mo AnZr EñQ>oQ> ßbmqZJ H$m Ü`mZ aIZo H$s μOê$aV hmoVr h¡.

· `{X h_ ßbmZ go Am§{eH$ AmhaU H$aVo ah| Vmo [aQ>mà_|Q>/~ƒm| H$s {ejm Ho$ {bE ny§Or {Z_m©U H¡$go H$a nmE§Jo?

""Bg ßbmZ _| Am§{eH$ AmhaU Ho$ ~mXÝ`yZV_ \§$S> _yë` ~hþV A{YH$ h¡''

A. Amn MmBëS> ßbmZ Š`mo ãrXVo h¢?· Am_Vm¡a na bmoJ ~ƒo H$s {dÎmr` gwajm ~‹T>mZo Ho$ {bE MmBëS> ßbmZ ãrXVo h¢, Bg{bE MmBëS> ßbmZ H$mo

{Zdoe Am_XZr Ñ{ï>H$moU go hr Zht XoIZm Mm{hE· LIC Ho$ MmBëS> ßbmZ H$s VwbZm _| ~OmO Am{b`mÝμO MmBëS>ßbmZ ~ohVa H$daoO Am¡a YZ H$m _yë` àXmZ

H$aVm h¡.· AmnHo$ ~ƒo H$s Am{W©H$ gwajm Ho$ {bE ~r_o H$s μOê$aV ~ƒo H$mo Zht ~pëH$, g~go μμÁ`mXm AmnH$mo

hmoVr h¡.· Amn {gμ\©$ Am` Ho$ {bE MmBëS> ßbmZ Zht ãrXVo h¢. MmBëS> ßbmZ ãrXZo H$m CÔoí` g_J« g_mYmZ

nmZm Am¡a gwÑT> {dÎmr` ßbmqZJ H$aZm h¡.· A^r {Zdoe H$aHo$ Amn AnZo ~ƒo Ho$ ^{dî` hoVw AÀN>r ny§Or I‹S>r H$a gH$Vo h¢, {OgH$m AmnZo h_oem

gnZm XoIm h¡.· AÀN>o MmBëS> ßbmZ Ho$ {bE AmnH$mo gw{ZpíMV H$aZm Mm{hE {H$: A) _oar AZwnpñW{V _| _oao ~ƒo H$mo A{YH$V_ {dÎmr` gwajm {_bZr Mm{hE. B) _oar CnpñW{V _| `h ßbmZ AÀN>r Am` XoZm Mm{hE.

B. Am` H$m _yë`m§H$Z H$a|· LIC Ho$ H$mo_b OrdZ H$s VwbZm _| ~OmO Am{b`mÝμO H$m MmBëS>J¡Z μμÁ`mXm {H$μ\$m`Vr h¡.

· LIC H$mo_b OrdZ _| Jma§Q>rS> E{S>eZ h_oem AmnH$s D$nar g§^mdZm H$mo gr{_V aIVm h¡. AmnH$s g§^m{dV d¥{Õ H$mo gr{_V H$aZodmbo LIC Ho$ Jma§Q>rS> E{S>eÝg H$s VwbZm _| gh^mJr ßbmZ MmBëS>J¡Z _| μμÁ`mXm ~moZg nmZo H$m bm^ hmoVm h¡.

· LIC {gånb arde©Zar ~moZg àXmZ H$aVm h¡, O~{H$ h_mam MmBëS> ßbmZ AmnH$mo H$ånmC§S> arde©Zar ~moZg àXmZ H$aVm h¡, `mZr AmnH$mo H$ånmC§qS>J H$s e{º$ {_bVr h¡.

C. ˜y{~`m| H$m _yë`m§H$Z H$a|· AZmoIo "ñQ>mQ>© Am°μ\$ bmBμ\$' ~o{Z{\$Q> Ho$ gmW ~OmO Am{b`mÝμO AmnH$mo A{V[aº$ H$daoO XoVm h¡.· BZ{~ëQ> \o${_br BZH$_ ~o{Z{\$Q, d¡da Am°μ\$ àr{_`_ Am¡a ñQ>mQ>© Am°\$ bmBμ\$ ~o{Z{\$Q²>g> Ho$ gmW

MmBëS>J¡Z g_J« H$daoO àXmZ H$aVm h¡.· LIC Ho$ MmBëS> ßbmÝg _| ~r_m am{e Ho$ 100% H$s VwbZm _| MmBëS>J¡Z _| Hw$b _¡À`mo[aQ>r ~o{Z{\$Q> ~r_m

am{e+ doñQ>oS> ~moZg Ho$ 115% VH$ h¡. · ~OmO Am{b`mÝμO MmBëS>J¡Z 4 d¡[aE§Q²>g _| CnbãY h¡ Vm{H$ AmnH$s g^r g§^m{dV ng§X{J`m§ nyar hmo.· MmBëS>ßbmZ 21 Am¡a 24 d¡[aE§Q²>g Ho$ gmW ha H«$_mJV df© `m Xygao df© _| _¡À`mo[aQ>r am{e H$m ßbmZ

H$s{OE.

""AmnHo$ ßbmZ go LIC MmBëS> ßbmZ ~ohVa h¡._¢ AmnH$m ßbmZ Š`m| ãrXy§?''

A. nm°{bgrYmaH$m| Ho$ {hVm| H$s ajm Ho$ {bE g»V {Z`_Z· {Z`m_H$ g§aMZm Eogr h¡ {H$ ~mμOma _| H§$n{Z`m§ gwÑT> ah|.· ~r_m H§$n{Z`m| Ho$ H$m_-H$mO na AmB©AmaS>rE ZμOa aIVr h¡ Am¡a CÝh| _mJ©Xe©Z, nam_e© VWm {ZX}eZ

XoVr h¡.· {Z`_Zm| H$mo Eogo T>§J go ~Zm`m J`m h¡ {H$ {H$gr ^r hmbmV _| ~r_m H§$n{Z`m§ MbVr ah|.· ~r_mH$Vm©Am| H$mo ewéAmV H$aZo Ho$ {bE é.100 H$amo‹S> H$s ny§Or bJmZr n‹S>Vr h¡.· ~r_mH$Vm© H§$nZr H$mo 150% gm°ëd|gr _m{O©Z aIZm μOê$ar hmoVm h¡ Omo IRDA Ûmam _m°{ZQ>a hmoVm h¡.· IRDA gm_{`H$ AmYma na g^r ~r_m H§$n{Z`m| Ho$ _yë`m§H$Z [aH$m°S>©g H$mo gË`m{nV H$aVm h¡. ~r_mH$Vm©

Ûmam nm°{bgrYmaH$ Ho$ YZ Ho$ {Zdoe H$mo ^r AmB©irda _mJ©X{e©V H$aVm h¡.· EH$ {Z`wº$ EŠMwAar gw{ZpíMV H$aVm h¡ {H$ H§$nZo H$m`© IRDA Ûmam ñdrH¥$V Amdí`H$VmAm| H$mo nyam

H$a|.· {Z`m_H$ g§aMZm {dH${gV h¡ Am¡a CgHo$ Ûmam CR>m`m OmZodmbm ha H$X_ _m¡OyXm H§$n{Z`m| H$m g§nmofU

gw{ZpíMV H$aVm h¡.· `{X Amn _m¡OyXm Am{W©H$ n[aÑí` H$mo XoI| Vmo {dídâ H$s gaH$mam| Zo ~r_m Am¡a ~¢qH$J H$§n{Z`m| H$mo gwÑT>

~ZmZo Ho$ {bE hñVjon {H$`m h¡, Š`m|{H$ dh AW©ì`dñWm H$s arT> h¢.

B. Amoå~wS²>g_oZ (bmoH$nmb) H$s ^y{_H$m· Amoå~wS²>g_oZ nm°{bgrYmaH$m| Ho$ ajH$ Ho$ ê$n _| H$m_ H$aVm h¡.· Amoå~wS²>g_oZ gw{ZpíMV H$aVm h¡ {H$ nm°{bgr ñVa H$s {eH$m`Vm| H$s AÀN>o go gwZdmB© hmo.

C. ~OmO Am{b`mÝμO- ~«m§S> d¡ë`y· EH$_mÌ H§$nZr Omo {gÕ {dÎmr` Q´>¡H$ [aH$m°S>© Ho$ gmW ~r_m CÚmoJ _| AmB© h¡.· ~OmO Am¡a Am{b`mÝμO XmoZm| H$m hr {H$gr ^r CnH«$_ _| XrK©H$mbrZ ~mμOma CnpñW{V H$m Q´>¡H$ [aH$m°S>©

ahm h¡.· Am{b`mÝμO {díd H$s EH$ g~go ~‹S>r AgoQ> _¡ZoOa h¡, {OgH$s 31 {Xg§~a, 2011 H$mo à~§Y Ho$ VhV

n[agån{Îm`m§ 1,657 {~{b`Z `yamo Wr.· ~OmO H$m ì`dgm{`H$ Xe©Z gd©loð> Q>oŠZmobm°Or g_{W©V H$ñQ>_mBÁS> CËnmX àXmZ H$aHo$ ~ohVarZ

~r_m Am¡a {Zdoe g_mYmZ noe H$aZm h¡.· H$m°nm}aoQ> gm_m{OH$ CÎmaXm{`Ëd J{V{d{Y`m| Ho$ à{V ~OmO ~hþV g§doXZerb h¡. H$moB© ^r H§$nZr AënH$mb

Ho$ {bE hmo Vmo dh BVZr g_mO-CÝ_wI Zht hmoJr.· h_ B§S>ñQ´>r _| EH$ {dídgZr` ~«m§S> h¢.

D. ~r_m EH$ {dH$mgerb B§S>ñQ´>r h¡· ~r_m EH$ CX`_mZ B§S>ñQ´>r h¡.· ^maV _| àmBdoQ> ~r_m B§S>ñQ´>r J«moW ñQ>oamoBS> H$s H$gm¡Q>r _| gH$mamË_H$ ê$n go Câr h¡.· `h Bg ~mV go Am¡a ^r {gÕ hmoVm h¡ {H$ AmO BZH$s g§»`m 24 h¡, O~{H$ df© 2001-02 _| `h {gμ\©$ 11 Wr.

E. ~r_m EH$ XrK©H$mbrZ ì`dgm` h¡ · ~r_m EH$ XrK©H$mbrZ ì`dgm` h¡. eoàYmaH$ BZ_| AnZm YZ AënH$mbrZ ì`dgm` Ho$ {bE {Zdoe Zht

H$aVo h¢.· ^mdr dfm] Ho$ {bE AmXe© ñWm{nV H$aVo hþE ~r_m H§$nZr Zo gwXya Xya H$s ^r g§^m{dV KQ>Zm H$mo Ü`mZ _|

aIm h¡.· ~r_m H§$nZr ~ZmZm _wpíH$b h¡ Am¡a Cgo Sy>~moZm Bggo ^r μμÁ`mXm _wpíH$b h¡, Š`m|{H$ CÝhmoZo AnZo Ûmam

A§S>aamBQ> {H$E Xm{`Ëdm| H$mo H$da H$aZo Ho$ {bE ~hþV gmar gån{Îm bJmB© h¡.· ~r_m H§$n{Z`m| Zo b§~m {dH$mg MaU nyam {H$`m h¡, Bg H$maU dh b§~o g_` VH$ H$m`_ ahZo Ho$ {bE

~mÜ` h¢.

""Š`m 15-20 gmb ~mX AmnH$s H§$nZr H$mApñVËd ahoJm?''

A. AmnH$mo Eogm Š`m| bJVm h¡ {H$ AmnH$mo OrdZ ~r_m H$s μOê$aV Zht h¡?· `h Vmo Zht gmoM aho {H$ _wPo H$^r ^r Aj_Vm/{H«${Q>H$b BbZog O¡gr Xw^m©½`nyU© KQ>Zm Zht hmoJr?· _wPo n¸$m `H$sZ h¡ {H$ _¢ OrdZ H$m H$b XoIy§Jm?· _wPo `H$sZ h¡ {H$ _oar AZwnpñW{V _| ^r _oam n[adma Bgr Vah H$s OrdZe¡br aI nmEJm?· Š`m h_ AnZo n[adma Am¡a CZH$s μOê$aVm| Ho$ à{V bmnadmh ah gH$Vo h¢?· Š`m Amn AnZo dmhZ H$m ~r_m H$amVo h¢? Š`m|?· Š`m AmnH$s H$s_V AmnHo$ dmhZ go H$_ h¡- {OgHo$ {bE AmnZo ~r_m nm°{bgr br h¡?· Š`m AmnZo H$^r ^r AnZr ""øw_Z bmBμ\$ d¡ë`y'' H$s JUZm H$s h¡? -AmnHo$ Zht OrZo H$s bmJV.· ~r_m Ho$ {~Zm OrZm EH$ Vah H$m OwAm h¡.· Š`m H$^r ^r Amn Eogo {dÎm {deofk go {_bo h¢ {OgZo OrdZ ~r_m Zht ãrXZo H$s gbmh Xr hmo?· OrdZ ~r_m EH$ ng§XJr Zht ~pëH$ Cggo ^r μμÁ`mXm EH$ μOê$aV h¡.

B. OrdZ ~r_m H$s OJh H$moB© Zht bo gH$Vm· OrdZ ~r_m AmnH$mo ~MV H$m X~md ‹S>mbH$a EñQ>oQ> {Z_m©U _| _XX H$aVm h¡.· AmO OrdZ ~r_m Ho$ Xmo \$m`Xo h¢-~r_m + {Zdoe· ~mOma _| CnbãY {H$gr ^r Eogo _mÜ`_ H$m Zm_ ~VmE§ Omo AmnH$mo gw{ZpíMV am{e XoJm- Mmho Amn ah| `m

Z ah|?· `h g_¥{Õ aMZm H$m Om§Mm-naIm _mÜ`_ h¡.· OrdZ ~r_m nm°{b{g`m| H$mo {Jadr aIm Om gH$Vm h¡ Am¡a `h AmnH$mo ""^ma _wº$ gån{Îm'' {Z_m©U _| _XX

H$aVm h¡.· AmnHo$ nmoQ>©\$mo{b`mo _| Hw$N> XrK©H$mbrZ {dÎmr` Qy>ëg hmoZm AÀN>r ~mV h¡. OrdZ ~r_m ^r EH$ Eogm hr

Om§Mm-naIm Qy>b h¡.· OrdZ ~r_m AmnHo$ {dÎmr` nmoQ>©\$mo{b`mo H$m AmYma ~ZmVm h¡, Š`m|{H$ `h Omo{I_ e_Z Qy>b ^r h¡.· ~r_m EH$ H$a Hw$eb _mÜ`_ h¡. AmnH$s àr{_`_ AmnH$mo H$a bm^ XoVr h¡ Am¡a nm°{bgr Ho$ bm^ ^r H$a -

_wº$ h¢.

C. OrdZ ~r_m EH$ Omo{I_ A§VaU _oHo${ZμμÁ_ h¡· OrdZ ~r_m Am¡a {Zdoe Xmo AbJ-AbJ MrO| h¢. Ho$db {Zdoe Ho$ Ñ{ï>H$moU go ~r_o H$mo XoIZm JbV h¡.· ~r_m EH$_mÌ _mÜ`_ h¡ Omo OrdZ Ho$ ZH$mamË_H$ nhby H$m Ü`mZ aIVm h¡.· OrdZ A{ZpíMVVmAm| go âm n‹S>m h¡. "Hw$N> A{ZpíMVVmAm|' H$m Ü`mZ OrdZ ~r_m aIVm h¡.· OrdZ ~r_m {d{^Þ Vah Ho$ Omo{I_ H$daoO àXmZ H$aVm h¡ O¡go- ~r_mar, XwK©Q>ZmE§ Am¡a Ag_` _m¡V.· ~r_m Z hmoZo na Amn AmH$pñ_H$Vm H$s Xem _| AnZo OrdZâ H$s H$_mB© IM© H$aZo H$mo {dde hmo OmE§Jo.

AmnH$mo ha Hw$N> gmb _| AnZo Xm{`Ëdm| H$s g_rjm H$aHo$ CÝh| H$da H$aZo Ho$ {bE ~r_m ãrXZm Mm{hE.· bmoJ nyN>Vo h¢, ""~r_o Ho$ ~Xbo _wPo Š`m {_boJm?'' _¢ H$hVm hÿ§ ""AmnH$mo _Z H$s em§{V {_bVr h¡.''

D. OrdZ ~r_m Am{W©H$ AmμOmXr gw{ZpíMV H$aVm h¡· OrdZ ~r_m _oao Zht hmoZo na _oao n[adma H$m Ü`mZ aIoJm, Am¡a H$moB© Zht hmoZo na _oam Ü`mZ aIoJm!· h_ MmhVo h¢ {H$,h_mao Zht ahZo Ho$ ~mX ^r h_mam ~ƒm Cgr ñHy$b _| OmZm Mm{hE.· Š`m Amn Mmh|Jo {H$ AmnHo$ Z hmoZo na AmnH$m n[adma AmnH$m Ka `m gmoZm ~oMH$a X¡{ZH$ IM] nyao H$a|?· ~r_m AmnH$mo Am¡a AmnHo$ n[adma H$mo {H$gr ^r Xm{`Ëd go _wº$ hmoZo _| _XX H$aVm h¡.

""_wPo OrdZ ~r_m H$s µOê$aV Zht h¡.''

A. ~r_m AmnH$mo dV©_mZ Am¡a ^{dî` XmoZm| _| _XX H$aVm h¡.· F$U AmnH$mo AnZr _ZMmhr OrdZe¡br H$m AmZ§X boZo _| _XX H$aVm h¡. bo{H$Z ~r_m AmnH$mo dh

OrZde¡br H$m`_ aIZo _| _XX H$aVm h¡.· gmb Xa gmb OrdZ OrZo H$m IM© ~‹T>Vm ahoJm.· AmnH$s AmO H$s μOê$aV H$m g_mYmZ F$U h¡. bo{H$Z ~r_o H$mo AmnH$s ^m{d μOê$aVm| H$mo Ü`mZ _| aIH$a

~Zm`m J`m h¡.· Amn AnZo n[adma Ho$ {bE g^r Xm{`Ëd N>mo‹S>H$a Zht OmZm MmhVo h¢. ~r_m `h gw{ZpíMV H$aVm h¡ {H$,

F$U F$Ur Ho$ n[adma Ho$ {bE ~moP Z ~Z nmE.· ~r_m Omo{I_ KQ>mZodmbm _mÜ`_ h¡.· ~r_o Ho$ gmW Amn ""Or`mo ~o{\$H$a'' H$s gmoM gH$Vo h¢.

B. F$U Am{W©H$ Agwajm n¡Xm H$aVo h¢· `{X AmnZo H$moB© F$U bo aIm hmo Vmo ~r_m boZm μμÁ`mXm μOê$ar hmo OmVm h¡.· ~r_m AmnHo$ Z hmoZo na F$U MwH$mZo Ho$ AmídmgZ Ho$ ê$n _| H$m_ H$aVm h¡.· AnZo ~H$m`m F$U H$mo H$da H$aZo Ho$ {bE ~r_m ßbmZ ãr{XE.· Q>_© ßbmÝg ~hþV {H$μ\$m`Vr hmoVo h¢, {OZ_| Amn H$_ _yë` na μμÁ`mXm H$da nmVo h¢.· ~r_m EH$ Am°b-BZ-dZ Qy>b h¡, OrdZ H$da, EŠgrS>|Q>b H$da, Ho$ ê$n _| gwajm XoVm h¡, Am¡a ~MV H$s

~MV ^r.· ha H$_mZodmbo ì`{º$ Ho$ _Z _| n[adma H$s XoI^mb H$m ˜`mb g~go nhbo hmoVm h¡, Am¡a CgHo$ OrdZ

H$da dmbr ~r_m nm°{bgr à^mdr T>§J go CgH$s {dÎmr` {Oå_oXm[a`m| H$m Ü`mZ aIVr h¡.

C. F$U h_oem EH$ {Oå_oXmar hr hmoVo h¢· hmCqgJ \$m`Zm§g g§ñWmZ F$Ur Ho$ OrdZ na ~r_m nm°{b{g`m§ ng§X H$aVr h¢.

· H$amo‹S>n{V dmaoZ ~\o$Q> "A^r ãrXm| Am¡a ~mX _| ~MmAm|' Ho$ {gÕm§V H$mo Zmng§X H$aVo h¢.

· AmnHo$ Ûmam {b`m J`m F$U aohZ`wº$ gån{Îm XoVm h¡. ~r_m nm°{b{g`m§ AmnH$mo AmídñV gån{Îm XoVr h¢.

· Amn AnZo Ûmam {bE JE F$U H$mo MwH$m gH$Vo h¢. bo{H$Z AmnHo$ Z hmoZo na Š`m AmnHo$ Am{lV Cg F$U H$mo MwH$m nmE§Jo?

D. ~r_m EH$ X~mdnyU© ~MV h¡· ~r_m gw{ZpíMV H$aVm h¡ {H$ AmnHo$ [aQ>mà_|Q> Ho$ {bE AmnH$s ~MV Aà^m{dV aho.· AmnH$s [aQ>mà_|Q> ~mX H$s Amdí`H$VmAm| Ho$ {bE {H$VZm ^r F$U EH$ dmñV{dH$ g_mYmZ Zht Xo

gH$Vm h¡.· ~r_o Ho$ gmW Amn ^{dî` Ho$ {bE b{jV am{e H$s `moOZm ~Zm gH$Vo h¢ Am¡a F$U boZo H$s μOê$aV hr Zht

n‹S>oJr.· Amn ha {XZ é.50 {OVZm H$_ A§eXmZ H$aHo$ ^r Amn AnZo ^{dî` H$mo ßbmZ H$a gH$Vo h¢.· Š`m h_ H$ma ãrXZo Ho$ {bE Cggo μμÁ`mXm ~MV Zht H$aVo? {\$a AnZo OrdZ H$m ~r_m H$amZo Ho$ {bE

Wmo‹S>m Am¡a à`mg Š`m| Zht H$aVo?· d¥{Õerb g§n{Îm ~r_| H$mo ~‹T>mZm hr g_PXmar h¡.· C_« Ho$ gmW AmnH$s F$U boZo H$s j_Vm KQ>Vr h¡. ^{dî` _| AmnH$mo AnZo Ûmam {Z{_©V H$mof Ho$ nyb na

{Z^©a ahZm n‹S>oJm.· Xmo ~mV| AmnH$mo _ma gH$Vr h¢- ""dar (qMVm)'' Am¡a ""har(OëX~mμOr)''. ~r_m AmnH$mo ""dar (qMVm'' go

~Mm gH$Vm h¡.

""_oao D$na H$µO© h¡. _¢ ~r_m IarXZo H$s pñWVr _| Zht hÿ§.''

A. AnZr Omo{I_ é{M H$m {\$a go _yë`m§H$Z H$a|· \§$S> àXe©Z na Jm¡a H$aZo H$s ~Om` h_| nhbo AnZr Omo{I_ boZo H$s j_Vm Am¡a g_` gr_m H$mo XoIZm

Mm{hE, {\$a AnZo {bE Cn`wº$ \§$S> MwZZm Mm{hE.· `{X Amn_| Omo{I_ boZo H$s é{M A{YH$ hmo Vmo Amn AgoQ> AbmoHo$eZ \§$S> MwZ gH$Vo h¢.· Am` H$m Omo{I_ go grYm g§~§Y h¡. μμÁ`mXm Omo{I_ Vmo μμÁ`mXm Am` Am¡a H$_ Omo{I_ Vmo H$_ Am`.· AnZr Omo{I_ é{M Ho$ AZwgma AnZo {Zdoe nmoQ>©\$mo{b`mo H$mo {d{dYVm Xo gH$Vo h¢.

B. AnZo nmoQ>©\$mo{b`mo na {\$a go ZμOa ‹S>m{bE Am¡a AnZo \§$S> Ho$ CÔoí`m| H$m Am§H$bZ H$s{OE

· AmnZo {Og \§$S> _| {Zdoe {H$`m h¡ CgHo$ CÔoí`m| H$mo ñnîQ> ê$n go g_P|. CgH$m _yë`m§H$Z H$a|. Am¡a `{X ò AmnH$s Omo{I_ àmo\$mBb Ho$ AZwê$n Zm hmo Vmo Amn \§$S> pñdM H$aZo H$m {dH$ën AnZm gH$Vo h¢.

· Omo{I_ à{V\$b AZwHy$bZ Ho$ {bE \$§S> _¡ZoOa nmoQ>©\$mo{b`mo H$m à~§YZ H$aVo h¢.· AmnHo$ Ûmam {Zdoe {H$E \§$S> H$m CÔoí` Z Ho$db AmnH$mo ~mOma CR>md go \$m`Xm XoZm hmo gH$Vm h¡, ~pëH$

AmnH$mo ~mOma {JamdQ> go ~MmZm ^r hmo gH$Vm h¡.· `{X \§$S> H$m CÔoí` ~mOma {JamdQ> H$mo gr{_V H$aZm hmo Vmo, NAV VoμOr Ho$ ~mOma _| H$_ Xa go ~‹T> gH$Vr

h¡, bo{H$Z _§Xr Ho$ ~mμOma _| `h ~ohVa àXe©Z H$aoJr.· \§$S> _¡ZoOa Eogo {Zdoe \¡$gb| bo gH$Vo h¢ Omo Ëd[aV bm^ hoVw Zht ~pëH$ XrK©H$mbrZ bm^ Ho$ {bE hmo.· g^r A§‹S>o EH$ hr Q>moH$ar _| Z aI|. \§$S²>g H$s h_mar Q>moH$ar H$m Cn`moJ H$a|.

C. μOê$ar Zht {H$ AmnH$m \§$S> àXe©Z ~mμOma B§S>oŠg H$m AmBZm hmo· AmnH$mo b§~r Ad{Y Am¡a \§$S> Ho$ CÔoí`m| Ho$ _ÔoZμOa \§$S> Ho$ g_J« àXe©Z H$mo XoIZm Mm{hE, Zm {H$ {gμ\©$

~mμOma B§S>oŠg Ho$ n[anoú` _|.· {OZ ñQ>m°Šg Ho$ {bE ~mμOma D$na-ZrMo hmo ahm h¡, hmo gH$Vm h¡ {H$ dh g^r AmnHo$ \§$S> H$m {hñgm hr Z

hmo.· \§$S> Ho$ A§VJ©V Am` H$mo Ama§^ go NAV na Am` H$s Ñ{ï> go XoIZm Mm{hE. `h ~ohVa Ñ{ï>H$moU àXmZ

H$aoJm, Š`m|{H$ ewëH$ H$Q>m¡{V`m§, Am§{eH$ AmhaU O¡go H$B© H$maUm| go FV H$_ hmo gH$Vm h¡.

D. ~mμOma Ho$ ghr g_` H$mo Zht OmZm Om gH$Vm h¡· ~ohVa hmoJm {H$ _m{gH$/{V_mhr/N>_mhr/dm{f©H$ AmYma na {Z`{_V ê$n go {Zdoe {H$`m OmE.

Am¡gVrH$aU Ho$ {Z`_ go àdoe Ho$ g_` {ZdoeH$ H$mo Cn`wº$ ~mOma ñVa nmZo _| _XX H$aoJm.· {Zdoe H$aVo g_`, h_| {ZYm©[aV A§Vambm| na {Zdoe H$aVo hþE énr H$m°ñQ> EdaoqOJ hm{gb H$aZm Mm{hE

Am¡a g_w{MV g_`-gr_m _| \§$S> àXe©Z H$mo XoIZm Mm{hE.· ha {Zdoe H$mo ~‹T>Zo Ho$ {bE g_` Mm{hE. O~ AmnZo ~mμOma-qbŠS> gån{Îm`m| _| {Zdoe {H$`m hmo Vmo AYra

Zht hmoZm Mm{hE.· {Zdoe H$m _yb KQ>H$ h¡ H$~ (AmnHo$ {Zdoe H$m g_`). Am¡a Xygam KQ>H$ h¡ {H$VZm b§~m {Zdoe h¡.

E. ~OmO Am{b`mÝμO go nmBE Yma· h_mar gbmh h¡ ~mμOma H$s VoμOr/_§Xr Ho$ ~mao _| qMVm Z H$a| Am¡a h_mao ~«m§S> VWm à^mdr \§$S> à~§YZ na

âmogm H$a|.· h_mao nmg ~ohX AZw^dr \§$S> à~§YH$m| H$s Q>r_ h¡, {OgZo A~ VH$ \§$S> à~§YZ _| AnZr H$m`©Hw$ebVm H$m

n[aM` {X`m h¡.· h_mao g^r \§$S> IRDA _mÝ` h¢.· Amn h_mam AgoQ> AbmoHo$eZ \§$S> MwZ gH$Vo h¢, Omo {ZdoeH$m| H$mo Bï>V_ à{V\$b XoZo Ho$ {bE \§$S> _¡ZoOam|

Ûmam à~§Y {H$E OmVo h¢.· h_mao nm°{bgrYmaH$ Ho$ ê$n _|, h_ AmnH$mo h_mar do~gmBQ> na OmH$a ""BÝdoñQ>_|Q> BZgmBQ>'' n‹T>Zo H$s

gbmh XoVo h¢, Omo AmnH$mo h_mao \§$S²>g Ho$ ~mao _| {~ëHw$b ghr OmZH$mar XoJm.

""~mµOma _§Xr _| hmoZo na E\$dr _| H$mµ\$s {JamdQ> AmVr h¡ bo{H$Z O~ ~mµOma VoµOr _| hmo Vmo E\$dr Cgr _mÌm _| Zht CR>Vm h¡.''

A. S>mH$Ka _m{gH$ Am` `moOZm (POMIS) Am¡a n|eZ Jma§Q>r _| H$moB© VwbZm Zht hmo gH$Vr h¡, Š`m|{H$ ò XmoZm| {^Þ CÔoí`m| H$mo Ho$ {bE ~Zo h¢

· AmnH$s {Zdoe μOê$aV Bg ~mV na {Z^©a h¡ {H$ Amn Š`m hm{gb H$aZm MmhVo h¢. `{X Amn AmOrdZ g_mYmZ MmhVo h¢ Vmo AmnH$mo gmdYmZr go ha nhby H$m Am§H$bZ H$aZm hmoJm.

· n|eZ Jma§Q>r EH$ AmOrdZ g_mYmZ h¡, O~{H$ POMIS EH$ AñWmB© {Zdoe _mÜ`_ h¡, {Og_| _m{gH$ ã`mO {_bVm h¡.

· n|eZ Jma§Q>r _| {Zdoe H$aHo$ YZ amoH$Zm Xa Agb EH$ AÀN>m {dMma h¡, Š`m|{H$ Bg_| AnZr [aQ>mà_|Q> ßbmqZJ go {dM{bV hmoZo Am¡a AnZr [aQ>mà_|Q> ny§Or IM© hmo OmZo H$s Omo{I_ Zht ahVr h¡.

· 6 gmb ~mX POMIS go _¡À`mo[aQ>r YZ AmZo na Cgo Amn H$ht Am¡a IM© H$aZo Ho$ M¸$a _| n‹S> gH$Vo h¢. O~{H$ AnZr XrK©H$mbrZ Am` H$mo Amn n|eZ Jma§Q>r _| gwa{jV aI gH$Vo h¢.

· ã`mO Xam| _| {JamdQ> H$s Xem _| ^r n|eZ Jma§Q>r AmnH$mo ~ohVa Am` XoZo bm`H$ ah gH$Vr h¡.

B. ~OmO Am{b`mÝμO n|eZ Jma§Q>r Ho$ gmW H$a bm^ nmBE· _¢ AmnH$mo OmZH$mar XoZm Mmhÿ§Jm {H$, Ymam 80 (L) Ho$ VhV POMIS H$a _wº$ Wm, bo{H$Z 1 Aà¡b, 2005

Ho$ à^md go Bg Ymam H$mo dmng bo {b`m J`m h¡.· n|eZ Jma§Q>r AmnH$mo [aQ>mà_|Q> bm^ na Ymam 80 (C) Ho$ VhV é. 1 bmI H$s gr_m VH$ H$a ~MmZo _| _XX

H$aVm h¡.

C. BALIC AmnH$mo ~ohVa godmE§ XoVm h¡· BALIC EH$ J«mhH$ AZwHy$b g§ñWmZ h¡. h_ AnZr J«mhH$ godm Ho$ {bE bmoH${à` h¢.· `{X Amn POMIS Ho$ VhV AnZm eha ~XbVo h¢ Vmo AnZm ImVm ^r Q´>m§ñ\$a H$amZm n‹S>Vm h¡. O~{H$

AmgmZ godmE§ XoZo Ho$ {bE h_Zo BALIC _| J«mhH$ godm g_mYmZm| H$mo g|Q´>bmBÁS> {H$`m h¡.· O~ Amn AnZo S>mH$Ka Ho$ eha _| Zht ahVo hmo Vmo ha ~ma AnZo POMIS H$m ZdrZrH$aU H$amZm Wmo‹S>m

H${R>Z hmo gH$Vm h¡.· n|eZ Jma§Q>r _| ^wJVmZ grYo hr J«mhH$ Ho$ ImVo _| H«o${S>Q> hmoVm h¡, O~{H$ POMIS _| J«mhH$ H$mo AmhaU

H$aZm n‹S>Vm h¡.

D. n|eZ Jma§Q>r EH$ XrK©H$mbrZ [aQ>mà_|Q> g_mYmZ h¡· POMIS EH$ AñWmB© {Zdoe h¡, Omo AmnH$mo {Z`{_V ã`mO Am` XoVm h¡. Xygar Vaμ\$, n|eZ Jma§Q>r {Z`{_V

d¥ÕmdñWm Am` Ho$ {bE EH$ ñWmB© g_mYmZ h¡.· POMIS Am¡a PPF O¡go _mÜ`_m| H$m éPmZ Xem©Vm h¡ {H$ g_` Ho$ gmW ã`mO H$s Xa KQ> ahr h¡. Bggo

AmnH$s d¥ÕmdñWm H$s ßbmqZJ IVao _| n‹S> gH$Vr h¡.· `{X Amn AÝ` Xoem| _| XoI| Vmo EÝ`wBQ>r H$mo àmW{_H$ ê$n go ~r_m H$Vm©Am| go ãrXm OmVm h¡, Š`m|{H$ dh

ã`mO CVma-M‹T>md H$s Omo{I_ H$mo ~ohVa T>§J go g§^mb gH$Vo h¢.

E. n|eZ Jma§Q>r AmnH$mo μμÁ`mXm bMrbmnZ XoVr h¡· n|eZ Jma§Q>r AmnH$mo ò {dH$ën XoVr h¡: A) bmBμ\$ EÝ`wBQ>r B) 5/10/15 Am¡a 20 df© Ho$ {bE EÝ`wBQ>r

Jma§Q>rS> VWm C) àr{_`_ dmngr Ho$ gmW bmBμ\$ EÝ`wBQ>r, O~{H$ POMIS _| Amn {gμ\©$ 6 gmb VH$ {Zdo{eV ahVo h¢.

· n|eZ Jma§Q>r AmnH$mo àr{_`_ dmngr H$m {dH$ën XoVm h¡, {Og_o§ IarX _yë` Zm_m§{H$V H$mo dmng bm¡Q>m`m OmVm h¡.

· nrAmoE_AmB©Eg AmnH$mo A{Zdm`© _m{gH$ ^wJVmZ XoVm h¡. n|eZ Jma§Q>r _| Amn AnZr EÝ`wBQ>r ^wJVmZ \«$s¹|$gr (dm{f©H$, N>_mhr, {V_mhr Am¡a _m{gH$) MwZ gH$Vo h¢.

nrAmoE_AmB©Eg _| A{YH$V_ {Zdoe H$s gr_m h¡, Omo ì`{º$`m| Ho$ {bE é.4.5 bmI Am¡a g§`wº$ ImVo Ho$ {bE é.9 bmI h¡. Bg Vah `h [aQ>mà_|Q> ßbmqZJ Ho$ {bE AZmH$f©H$ ñQ>¢S> AbmoZ ßbmZ h¡.

AmnH$mo ha 6 gmb _| POMIS H$m ZdrZrH$aU H$amZm hmoVm h¡. Xygar Vaμ\$ n|eZ Jma§Q>r AmnH$s AmOrdZ EÝ`wBQ>r gw{ZpíMV H$aVm h¡.

n|eZ Jma§Q>r Ho$ A§VJ©V Xa àdoe na Cƒ Xa na ~ohVa hmoVr h¢. Bg{bE _m{gH$ Am` d¥{Õ Ho$ {bE Amn ãrXZm Omar aI gH$Vo h¢.

h_ ßbmZ H$mo AmμO_mZo Ho$ {bE 15 {XZ H$s \«$s-byH$ Ad{Y XoVo h¢, Am¡a Amn Z Mmho Vmo Bgo ~§X H$aVo h¢. `h bMrbmnZ POMIS _| Zht {_bVm h¡.

""n|eZ Jma§Q>r H$s VwbZm _| S>mH$Ka _m{gH$ Am` ñH$s_ ~ohVa h¡. {\$a _¢ ò Š`m| IarXy§?''

A. ~MV Š`m h¡?· h_ Am` _| go IM© KQ>mH$a ~Mr am{e H$s ~MV H$aVo h¢. hmbm§{H$ h_| Am` _| go ~MV KQ>mH$a ~Mr am{e

IM© H$aZr Mm{hE.· `{X AmO n¡gm| H$s H$_r h¡ Vmo H$b μμÁ`mXm H$_r ahoJr.· Š`m H$^r AmnZo Eogr pñW{V H$m g_Zm {H$`m h¡ O~ AmnHo$ nmg n¡gm {~ëHw$b Zht hmo? gmo{ME {H$

[aQ>mà_|Q> `m ~w‹T>mno Ho$ H$maU AmnHo$ H$_mZo H$s j_Vm KQ> OmE Vmo Š`m hmoJm?· EH$_wíV {Zdoe Ho$ {XZ H$^r Zht AmE§Jo.· h_ g^r OmZVo h¢ {H$ ~y§X-~y§X go gmJa ~ZVm h¡, bo{H$Z Bg na A_b Zht H$aVo h¢.· `{X Amn dV©_mZ Am¡a ^mdr {Oå_oXm[a`m| Ho$ à{V J§^ra hmo Vmo _wPo n¸$m `H$sZ h¡ {H$ Amn YZ H$mo ~ohVa

T>§J go _¡ZoO H$a|Jo (g§^mb|Jo).· Š`m Amn Eogm OrdZ OrZm MmhVo h¢ {Og_| h_oem YZ H$s qMVm bJr aho?· `{X AmnH$mo bJVm h¡ {H$ AmnHo$ nmg n¡gm Zht h¡ Vmo Bg pñW{V H$mo ""_oao nmg n¡gm h¡'' _| ~XbZo H$m `hr

ghr g_` h¡.

B. ~r_m AmnHo$ ^{dî` Ho$ {bE {Zdoe h¡· ~r_m ãrXZo Ho$ {bE AmnH$mo YZ Zht Mm{hE. Amn_| AnZo Am¡a AnZo {àÒZm| Ho$ à{V AnZr {Oå_oXmar

Ho$ à{V ÑT>-{ZíM` hmoZm Mm{hE.· ImoE hþE Adga H$^r dmng Zht {_bVo h¢. Bg{bE A^r ewéAmV H$aZm ~ohVa h¡.· \$m`Zm§{e`b ßbmqZJ Zht hmoZo go AmnH$s OrdZe¡br AngoQ> hmo gH$Vr h¡, Š`m|{H$ OrdZ`mnZ Am¡a

ñdmñW XoI^mb H$m IM© ~‹T>Vm ahVm h¡.· n¡gm Zht hmoZo na ~r_o H$s μμÁ`mXm μOê$aV hmoVr h¡, Vm{H$ ñdmñÏ` `m XwK©Q>Zmde AmH$pñ_H$VmAm| _| _wPo

naoemZ Z hmoZm n‹S>o Am¡a _oam n[adma ^r Am{W©H$ ê$n go gwa{jV aho.

C. g_PXmar go \¡$gbm Zht boZo na YZ Zht ~‹T>oJm· ~r_o Ho$ Xmohao bm^ h¢: 1) A{Zdm`© ~MV Am¡a YZ d¥{Õ 2) H$_mD$ gXñ` H$s Xw^m©½`de _¥Ë`w Ho$ Xem _|

n[adma H$mo Am{W©H$ ghmam.· YZ H$m _Vb~ {gμ\©$ ò Zht {H$ Amn {H$VZm AÀN>m H$_mVo h¢, ~pëH$ Bggo ^r h¡ {H$, Amn {H$VZo AÀN>o go

~MmVo h¢.· YZ H$m à~§Y Am¡a ^{dî` Ho$ {bE ~MV ""H$aZo bm`H$'' Zht ~pëH$ ""H$aZm μOê$ar'' ~mV h¡.· AnZo {àÒZm| Ho$ {bE AmnH$s àmW{_H$Vm Ho$ {bE AnZo ì`` H$mo ì`dpñWV H$aZm Am¡a CgHo$ AZwgma

~r_| _| YZ {Zdoe H$aZm μOê$ar h¡.· AmnH$mo A^r `h àmW{_H$Vm V` H$aZr hmoJr {H$ Amn AnZm YZ H¡$go BñVo_mb H$aZm MmhVo h¢. AmO

{b`m hþAm \¡$gbm AmnH$m H$b V` H$aoJm.

D. ~r_m EH$ Jw„H$ h¡· ~r_o _| Wmo‹S>m gm A§eXmZ AmnHo$ {bE gwajm Am¡a g_¥{Õ {Z_m©U H$a gH$Vm h¡.· AmO Amn F$U boZm MmhVo h¢, bo{H$Z `{X AmnZo ~MV H$s hmoVr Vmo AmnH$m hr n¡gm AmO H$m_ AmVm.· `H$sZZ Amn AnZo ~ƒm| H$mo gd©loð> {ejm XoZm MmhVo h¢, Ka IarXZm `m AÀN>r OJh Kw_Zo OmZm

MmhVo h¢.· ~r_m `h g~ AmnHo$ {bE g§^d H$aVm h¡, Am¡a AmO A{Zdm`© ~MV H$s AmXV ‹S>mbH$a ^{dî` Ho$ {bE YZ

gwb^ H$amVm h¡. Cg Amam_ Am¡a AmË_{dídmg H$s H$ënZm H$s{OE {H$, Amn dmñV{dH$ ê$n go OmZ| {H$ AmnHo$ nmg AnZm|

Ho$ gnZo nyao H$aZo Ho$ {bE n¡gm h¡.

""_oao nmg n¡gm Zht h¡. _¢ ~r_m Zht ãrX gH$Vm hÿ§.''

A. IwX Ho$ {bE Am{W©H$ gwajm· `h ^«_ h¡ {H$ ~r_m {gμ\©$ Am{lVm| Ho$ {bE hr {b`m OmVm h¡.· ~r_m ßbmZ AmnHo$ {bE EH$ gån{Îm h¡· AmnHo$ H$moB© Am{lV Zht hmoZo H$s pñW{V Bg ~mV H$mo μμÁ`mXm μOê$ar ~Zm XoVr h¡ OëX go OëX Amn AnZr

Am{W©H$ ñdV§ÌVm H$m B§VμOm_ H$a|.· ~r_m AmnH$mo AmË_-{Z^©a ~ZmVm h¡. AmnH$mo {H$gr na {Z^©a Zht ahZm n‹S>Vm h¡ Am¡a Amn ñdm{^_mZ Ho$

gmW OrdZ Or gH$Vo h¢.· ~r_m AmnH$mo YZ H$s d¥{Õ, gwajm Am¡a VabVm àXmZ H$aVm h¡, Am¡a BZHo$ Abmdm AmnH$mo Am{W©H$ ê$n go

hm{Z nhþ§MmZodmbr AZhmo{Z`m| go ajU àXmZ H$aVm h¡.· ~r_m AmnHo$ {bE "A{Zdm`© ~MV' h¡.· Am¡gV OrdZ Ad{Y ~‹T> JB© h¡.· AnZr ~MV go μμÁ`mXm OrZm EH$ ~‹S>r Omo{I_ h¡. Bg Omo{I_ go IwX H$mo ~MmZo Ho$ {bE AmnHo$ nmg AÀN>r

\$m`Zm§{e`b ßbmqZJ hmoZr μOê$ar h¡.· AmO ßbmqZJ H$aZo go AmnH$mo H$b AnZo gnZo nyao H$aZo _| _XX {_boJr.· Am{W©H$ gwajm AmnH$mo "_Z H$s em§{V' XoVr h¡.· Amn F$U nmZo Ho$ {bE H$m°boQ>ab Ho$ ê$n _| ^r AnZr ~r_m nm°{bgr à{V^yV aI gH$Vo h¢.· H$a-Hw$eb _mÜ`_ hmoZo Ho$ ZmVo ~r_m AmnH$mo H$a {Z`moOZ _| ^r _XX H$aVm h¡.

B. ñdmñÏ` ~r_m (hoëW B§í`moa|g) ~hþV μOê$ar h¡· ~r_m _¥Ë`w Ho$ Abmdm BZ pñW{V`m| H$m ^r Ü`mZ aIVm h¡ 1) amoJ 2) Aj_Vm. {H$gr ~r_mar `m Amj_Vm

Ho$ H$maU hmoZodmbr Am{W©H$ hm{Z`m| Ho$ à{V Amn IwX H$s ajm H¡$go H$a|Jo?· AmOH$b ñdmñÏ` XoI^mb ~‹S>r IMubr h¡ Am¡a Am`w ~‹T>Zo Ho$ gmW `h Am¡a IMubr hmoJr.· ñdñW H$b Ho$ {bE AmO go hr àmdYmZ H$a|.· ~‹T>Vo ñdmñW XoI^mb IM © H$mo XoIVo hþE AmnH$mo μμÁ`mXm am{e H$m àmdYmZ H$aZo H$s μOê$aV h¡.

C. ~r_o Ho$ _mÜ`_ go AnZo [aQ>mà_|Q> H$s ßbmqZJ H$s{OE· Am{W©H$ ê$n go ñdV§Ì hmoZm _hËdnyU© ~mV h¡ bo{H$Z Am{W©H$ ñdV§ÌVm H$mo aIZm Cggo ^r _hËdnyU© h¡.· ~r_m AmnH$mo Am{W©H$ ~mYmAm| go _wº$ H$aVm h¡, Ohm§ Amn AnZo OrdZ H$s JwUdÎmm MwZZo Ho$ {bE AmμOmX

hmoVo h¢.· [aQ>mà_|Q> Ho$ ~mX {Z`{_V Am` μOê$ar h¡. BgH$m àmdYmZ AmO hr H$a boZm g_PXmar h¡.· [aQ>mà_|Q> ~mX Am{W©H$ AmμOmXr g~go ~‹S>r qMVm hmoJr.· AnZr μOê$aVm| Ho$ AZwgma Amn n|eZ ßbmZ MwZ gH$Vo h¢.· h_mao nmg OrdZ H$da g{hV Am¡a OrdZ H$da a{hV n|eZ ßbmZ h¢.· n|eZ AmnH$mo AmË_-gå_mZ Ho$ gmW [aQ>m`S>© OrdZ OrZo _| _XX H$aoJm.· {Z`{_V n|eZ `mZr "Zmo Q>|eZ'.

""_oao H$moB© Am{lV Zht h¢.''

A. Š`m Amn dmH$B© _| Amoda B§í`moS>© h¢?· Š`m AmnZo AnZr øw_Z bmBμ\$ d¡ë`y H$s JUZm H$s h¡? Amoda B§í`moS>© hmoZo H$m AmnH$m ˜`mb JbV hmo

gH$Vm h¡.· øw_Z bmBμ\$ d¡ë`y Am{lVm| H$s VmËH$mbrZ {dÎmr` Amdí`H$VmAm| H$mo Xem©Vr h¡, Omo ì`{º$ H$s Ag_`

_¥Ë`w go CËnÞ hmoVr h¢.· Š`m AmnH$s dV©_mZ OrdZ ~r_m nm°{bgr AmnHo$ dV©_mZ CÎmaXm{`Ëdm| H$mo nyam H$aZo Ho$ {bE n`m©á h¡?

`{X Zht, Vmo Amn Amoda B§í`moS>© Zht h¢.· _m¡OyXm H$_mB© Am¡a ^mdr Xm{`Ëdm| Ho$ ~rM A§Va H$mo nyam H$aZo Ho$ {bE AmnHo$ OrdZ ~r_m H$m nwZ_y©ë`m§H$Z

μOê$ar h¡.· ~r_o Ho$ AnZo ñVa na {ZU©` boZo go nhbo BZH$m àmdYmZ μOê$a H$a| 1) OrdZ ñVa 2) _h§JmB© 3) Am`.· Š`m AmnZo BVZm n`m©á àmdYmZ {H$`m h¡ {H$, AmnH$s J¡a-_m¡OyXJr _| ^r AmnH$m n[adma `hr OrdZñVa

H$m`_ aI gHo$.· Xw{Z`m _| EH$ hr MrμO pñWa h¡-n[adV©Z. ~XbVr OrdZe¡br Ho$ gmW AmnH$s ~r_m μOê$aV| ^r ~Xb|Jr.· bmoJm| Ûmam IarXo OmZodmbo A{YH$m§e ~r_m ßbmZ Am_Vm¡a na 50/60 gmb H$s Am`w _| _¡À`moa hmo OmVo h¢.

hmbm§{H$ AmJo H$s Am`w _| ^r ~r_m H$da H$s μOê$aV ahVr h¡.· g_ñ`m ò h¡ {H$Am AmO Amn gmoMVo h¢ {H$ n`m©á àmdYmZ h¡ Am¡a H$b nN>VmVo h¢ {H$ H$me AmnZo μμÁ`mXm

B§VμOm_ {H$`m hmoVm.

B. ~r_m ßbmZ XrK©H$mbrZ {dÎmr` _mÜ`_ h¢· OrdZ ~r_m EH$ H$a ~MV _mÜ`_ h¡. BgH$s _¡À`mo[aQ>r ^r H$a-_wº$ h¡.· OrdZ ~r_m AmnH$mo ^mdr {dÎmr` bú`m| H$mo nyam H$aZo Ho$ {bE ~MV _| _XX H$aVm h¡.· OrdZ ~r_m H$mo [aQ>mà_|Q> ~mX Ho$ g_` H$s ßbmqZJ Ho$ {bE ^r BñVo_mb H$a gH$Vo h¢.· F$Um| H$mo à{V^yV H$aZo Ho$ {bE OrdZ ~r_m nm°{b{g`m| H$mo {Jadr aIm Om gH$Vm h¡.· OrdZ ~r_m AmnH$mo ~hþV b§~m OrZo H$s Omo{I_ KQ>mZo _| _XX H$aVm h¡.· EÝ`wBQ>r ßbmZ AmnH$mo AmOrdZ {Z`{_V Am` àXmZ H$aVm h¡.· OrdZ ~r_m EH$ à^mdr àUmbr h¡ {Og_| Amn _m¡OyXm OrdZe¡br H$m Ë`mJ {H$E {~Zm ^mdr OrdZ Ho$ IM©

H$m ~§Xmo~ñV H$aZo _| _XX H$aVr h¡.· `h CÎmam{YH$ma Ho$ {bE N>mo‹S>Zo Ho$ {bE ^r ~hþV AÀN>m _mÜ`_ h¡.· OrdZ ~r_m nm°{b{g`m AmnH$mo ^ma _wº$ EñQ>oQ> {Z{_©V H$aZo _| ghm`Vm H$aVr h¢.· h_mao ßbmZ ~r_o Ho$ Abmdm, \$m`Zm§{e`b à~§Y Am¡a g_¥{Õ aMZm Ho$ {bE ^r ~ohVarZ Adga XoVo h¢.· `y{bßg H$mo Eogo T>§J go ~Zm`m J`m h¡ {H$ AmnH$mo {gμ\©$ Ama§{^H$ dfm] _| hr ~r_m H$s bmJV MwH$mZr n‹S>Vr

h¡, ~mX _| Vmo dh {gμ\©$ AmnHo$ \§$S> d¡ë`y go hr g§Mm{bV hmoVo h¢.

C. OrdZ ~r_m AmnH$mo H$B© gmao A{V[aº$ H$daoO ^r àXmZ H$aVm h¡· hoëW ßbmÝg Ho$ μO[aE AnZo hoëW H$daoO H$mo ~b X|.· {deof {H«${Q>H$b ~r_m[a`m| Ho$ à{V {H«${Q>H$b BbZog amBS>a A{V[aº$ H$daoO àXmZ H$aVm h¡.· E{S>eZb EŠgrS>|Q>b gwajm Ho$ gmW AnZo H$daoO H$mo _μO~yV ~ZmE§.

""_¢ nhbo go hr Amoda B§í`moS>© (µµÁ`mXm ~r{_V) hÿ§.''

A. ~r_m A{ZpíMVVmAm| Ho$ {bE h¡· ~r_m H$m AW© h¡ Omo{I_ KQ>mZm.· AnZr ~r_m μOê$aVm| H$s g_rjm H$aZm H¡$gm ahoJm?· n`m©á YZ Ho$ gmW n`m©á gwajm hmoZm μOê$ar h¡, Vm{H$ Amn `m AmnHo$ {àÒZ ^mar Am{W©H$ hm{Z H$m

{eH$ma Z hmo.· Amn AnZo ^{dî` Ho$ {bE AmO ~MV/{Zdoe H$a aho h¢, bo{H$Z ^{dî` AmnH$s `moOZm Ho$ _wVm{~H$ Z hmo

Vmo?· ""Or{dV Zht ahZo'' H$s bmJV {JZZm _hËdnyU© h¡. ~r_m Bgr bmJV H$mo H$da H$aVm h¡.· hmo gH$Vm h¡ AmnZo _m¡μOyXm Xm{`Ëdm| go IwX H$mo H$da {H$`m hmo, bo{H$Z ^mdr {Oå_oXm[a`m| Am¡a ""~MV go

AmJo Ho$ OrdZ'' H$m Š`m hmoJm?· H$_mD$ gXñ` H$s Xw^m©½`de _¥Ë`w hmoZo H$s Xem _| n[adma H$mo gVV Am` H$s μOê$aV hmoVr h¡.· ~r_o H$m VmËn`© YZ H$s n`m©á go Zht ~pëH$ A{ZpíMVVmAm| Ho$ {bE àmdYmZ go h¡.

B. ~r_m AmnH$s n`m©áVm H$mo H$m`_ aIVm h¡· μμÁ`mXm YZ hmoZo na μμÁ`mXm ~r_o H$s μOê$aV n‹S>Vr h¡.· n`m©á YZ hmoZo Ho$ ~mX ^r, Š`m Amn AnZr H$ma H$m ~r_m ~r_m Zht H$amVo? Vmo {\$a AnZo AZ_mob OrdZ

Ho$ {bE Š`m| Zht?· n`m©áVm EH$ gmnoj eãX h¡. AmO Omo n`m©á h¡ dh H$b n`m©á Zht hmo gH$Vm h¡.· `{X AmnHo$ nmg n`m©á YZ hmo Vmo Š`m {Zdoe H$aZm ~§X H$a X|Jo?· ""n`m©á'' H$mo Amn {H$g AW© _| boVo h¢? `h AmnH$s AmO H$s μOê$aVm| Ho$ AZwgma h¡ `m ^mdr μOê$aVm| Ho$?

AmnHo$ ~ƒo Ho$ ^{dî` Ho$ ~mao _| Š`m? Š`m AmnZo CgHo$ {bE ~§Xmo~ñV {H$`m h¡?

C. ~r_m {gμ\©$ AmnHo$ {bE Zht h¡· `h AmnHo$ n[adma Am¡a {àÒZm| Ho$ {bE ^r h¡.· Š`m AmnZo _yë`m§H$Z {H$`m h¡ {H$ AmnHo$ Ûmam {b`m J`m ~r_m H$da AmnH$s H$_mB© Am¡a OrdZe¡br _|

~Xbmdm| H$s VwbZm _| n`m©á h¡?· ~r_m h_| AnZo XrK©H$mbrZ bú`m| H$mo hm{gb H$aZo _| _XX H$aVm h¡, Mmho h_ hmo `m Z hmo.· h_mam OrdZ h_mao AnZm| Ho$ OrdZ go ~hþV H$ar~ go Ow‹S>m hmoVm h¡. `{X h_ AnZo OrdZ H$s H$Ð Zht

H$aVo Vmo AnZo {àÒZm| H$s qμOXJr Xm§d na bJmVo h¢. Š`m Amn ò MmhVo h¢?

D. ~r_m XwYmar Vbdma h¡· Omo{I_ H$da go ^r A{YH$ `h AmnHo$ YZ H$mo ~‹T>mZo H$m Cnm` h¡.· ~r_m ßbmZ Ho$ A§VJ©V H$abm^ Vmo, {Zdoe Ho$ Abmdm A{V[aº$ \$m`X| h¢.· _yb CÔoí` AmnHo$ ^{dî` Ho$ {bE ßbmZ H$aZm Am¡a AmnH$s OrdZe¡br H$m`_ aIZm h¡.· ~r_m AmnH$mo ^{dî` _| AnZr ~ohVa OrdZe¡br H$m`_ aIZo _| _XX H$aVm h¡.· ~r_m AmnH$mo OrdZ`mnZ H$s ~‹T>Vr bmJV H$mo KQ>mZo _| _XX H$aVm h¡.· `h AmnH$mo ~‹T>Vo {M{H$Ëgm IM© H$m _wH$m~bm H$aZo _| _XX H$aoJm.· EH$ ßbmZ ãrXZo _| Amn ~hþV hr H$_ am{e {Zdoe H$aVo h¢, O~{H$ ~Xbo _| AmnH$mo H$B© JwZm bm^

{_bVo h¢.· `h CÎmam{YH$ma ({damgV) N>mo‹S>Zo Ho$ {bE EH$ gd©loð> _mÜ`_ h¡.

""_oao nmg n`m©á YZ h¡.''

A. n|eZ, [aQ>mà_|Q> Ho$ ~mX EH$ {Z`{_V Am` h¡· {\$ŠgS> {S>nm°{μOQ²>g Ho$ R>rH$ CëQ>m, n|eZ EH$ {Z`{_V Am` h¡. B{_{S>EQ> EÝ`wBQ>r ßbmZ OrdZâ Ho$ {bE

{Z`{_V Am` (n|eZ) H$s Jma§Q>r XoVm h¡.

· Am¡gV OrdZH$mb ~‹T> ahm h¡; Bg{bE {Z`{_V Am` H$s μμÁ`mXm μOê$aV h¡. Bgo B{_{S>EQ> EÝ`wBQ>r ßbmÝg Ho$ μO[aE hr nm`m Om gH$Vm h¡.

· B{_{S>EQ> EÝ`wBQ>r ßbmZ AmnH$mo "{Zdoe' H$aHo$ "^yb OmAmo' H$s gw{dYm XoVm h¡.

· ~w‹T>mno _| Amn {H$gH$mo _hËd X|Jo- gwajm, gbm_Vr `m d¥{Õ H$mo?gwajm Am¡a gbm_Vr Ho$ {bE g~go AÀN>m _mÜ`_ B{_{S>EQ> EÝ`wBQ>r h¡.

· ~w‹T>mno _| Am` _| pñWaVm ~hþV _m`Zo aIVr h¡.

· O~ Amn {Z`{_V Am` Ho$ ~mao _| AmídñV hmo Vmo X¡{ZH$ ì``m| H$mo ßbmZ H$aZm h_oem AmgmZ ahoJm.

B. {\$ŠgS> {S>nm°{μOQ> Vmo AënH$mbrZ bú` nyao H$aZo Ho$ {bE h¡· {\$ŠgS> {S>nm°{μOQ> Aën/_Ü`md{Y {Zdoe hoVw YZ amoH$Zo Ho$ _mÜ`_ h¢. Bg{bE {\$ŠgS> {S>nm°{μOQ> Ho$ AmYma

na AnZo ^{dî` H$s ßbmqZJ H$aZm g_PXmar Zht h¡.

· {\$ŠgS> {S>nm°{μOQ> H$s am{e AmnH$s AñWmB© μOê$aVm| H$mo nyam H$a gH$Vr h¡, bo{H$Z dh AmOrdZ pñWa Am` H$s ânmB© Zht H$a gH$Vr h¡.

· B{_{S>EQ> EÝ`wBQ>r ßbmÝg AmnH$mo Am¡a AmnHo$ n[adma H$mo Am{W©H$ gwajm XoZo Ho$ CÔoí` go h¢. O~{H$ {\$ŠgS> {S>nm°{μOQ> E_O}Ýgr H$s Xem _| YZ H$s Ëd[aV gwb^Vm H$m CÔoí` hr nyar H$aVr h¡.

C. B{_{S>EQ> EÝ`wBQ>r ßbmÝg H$s OJh {\$ŠgS> {S>nm°{μOQ²>g Zht bo gH$Vr h¢· B{_{S>EQ> EÝ`wBQ>r ßbmÝg H$mo {Z`{_V Am` Ho$ {bE ~Zm`m J`m h¡. {\$ŠgS> {S>nm°{μOQ> AmnH$s _μOu na

{Z^©a h¡, Omo ñW{JV hmo gH$Vr h¡.

· B{_{S>EQ> EÝ`wBQ>r ßbmZ AmnH$mo ~hþV b§~m OrZo H$s Omo{I_ H$_ H$aZo _| _XX H$aVm h¡.

· {\$ŠgS> {S>nm°{μOQ> AmOrdZ {\$ŠgS> Am` gw{ZpíMV Zht H$aVm. O~{H$ B{_{S>EQ> EÝ`wBQ>r H$aVm h¡.

· {\$ŠgS> {S>nm°{μOQ> H$s ã`mO Xa| H$_-μμÁ`mXm hmoVr ahVr h¢, O~{H$ EÝ`wBQ>r H$s {H$íV| ~r_m H§$nZr Ho$ {bE AZw~§{YV Xm{`Ëd h¢.

· B{_{S>EQ> EÝ`wBQ>r ^mdr Am` Ho$ {bE àmdYmZ h¡. n`m©á àmdYmZ hmo OmZo Ho$ ~mX AmH$pñ_H$VmAm| H$s ì`dñWm Ho$ {bE {\$ŠgS> {S>nm°{μOQ> Xygam {dH$ën hmo gH$Vr h¡.

D. [aQ>mà_|Q> Ho$ ~mX Omo{I_-_wº$ H$_mB© H$m _hËd· B{_{S>EQ> EÝ`wBQ>r EH$_mÌ _mÜ`_ h¡ Omo ã`mO Xam| _| n[adV©Z go à^m{dV Zht hmoVm.

· Š`m hmoJm `{X AJm_r 15 gmbm| _| {\$ŠgS> {S>nm°{μOQ> Xa| VoμOr go {Ja| Vmo?

· {\$ŠgS> {S>nm°{μOQ> {deof g_`md{Y Ho$ {bE hmoVr h¡ Am¡a {\$a Cgo {\$a go {Zdoe H$aZm n‹S>Vm h¡, {Og_| nwZ{Z©doe na H$_ ã`mO {_bZo H$s Omo{I_ ahVr h¡.

· {\$ŠgS> {S>nm°{μOQ> _| H«o${S>Q> Omo{I_ hmoVr h¡.

""{\$ŠgS> {S>nm°{µOQ> H$s VwbZm _| B{_{S>EQ> EÝ`wBQ>r _| Am` H$s Xa H$_ h¡. {\$a Bgo _¢ Š`m| ãrXy§?''

A. ghr \§$S> Am¡a ghr g_`md{Y H$s VwbZm H$a|· CZ \§$S²>g H$s Am` go VwbZm H$a|, {OZ_| g_mZ Vah H$m AgoQ> àmo\$mBb Am¡a CÔoí` hmo.

· n\$m}_}Ýg Ho$ {bE h_o AënH$mb H$s ~Om` XrK©H$mb Jm¡a H$aZm Mm{hE.

· {d{^Þ g_`md{Y`m| _| Am` H$s VwbZm Zht hmo gH$Vr. EH$ \§$S> H$s 1 _mh H$s Am` Am¡a Xygao \§$S> H$s 3 _mh H$s Am` H$mo aIZm go~ Ho$ gm_Zo go~ H$s VwbZm Zht h¡.

· Xmo AbJ-AbJ \§$S²>g H$s VwbZm go nhbo h_| gw{ZpíMV H$aZm hmoJm {H$ XmoZmo hr _| EH$ O¡gr {Z{hV gån{Îm`m§ Am¡a Omo{I_ àmo\$mBb hmo.

· \§$S²>g _| VwbZm H$aZm BVZm AmgmZ Zht h¡, {OVZm {XIVm h¡. h_| gw{ZpíMV H$aZm hmoJm {H$ ghr \§$S²>g Ho$ ~rM VwbZm hmo.

B. \§$S²>g Ho$ ì`mnH$ {dH$ën· Š`m AÝ` H§$n{Z`m§ AmnH$mo h_mar Vah \§$S²>g H$s ì`mnH$ a|O àXmZ H$aVr h¢? h_ J«mhH$ H$mo CgH$s

Omo{I_ CR>mZo H$s j_Vm AZwgma \§$S> MwZZo H$s _m¡H$m XoVo h¢.

· h_ {d{^Þ g_`md{Y`m| Ho$ {bE {^Þ-{^Þ \§$S²>g CnbãY H$amVo h¢.

· h_ CZ {JZr-MwZr H§$n{Z`m| _| go h¢ Omo AmnH$mo B§S>oŠg \§$S> CnbãY H$amVr h¢

· h_ \§$S²>g Ho$ ì`mnH$ {dH$ën XoVo h¢ Am¡a {d{^Þ AgoQ> dJm] Ho$ àXe©Z Ho$ AmYma na Amn BZ \§$S²>g _| pñdMoμO H$aHo$ A{YH$V_ d¥{Õ H$a gH$Vo h¢.

C. Omo{I_ ~Zm_ Am` Ho$ AZwgma \§$S> Mw{ZE· ha {Zdoe H$s ~w{Z`mXr ~mV h¡ {H$ {OVZr μμÁ`mXm Omo{I_ CR>mAmoJo CVZr μμÁ`mXm Am` nmAmoJo.

· \§$S> Ho$ Omo{I_ àmo\$mBb Ho$ gmW Am` H$s VwbZm H$aZr Mm{hE.

· EH$ b§~o g_` _| ny§Or {Z_m©U H$m _ybmYma h¡ gVV Am`.

· Omo{I_ g_m`mo{OV Am` na \$moH$g H$aZm μOê$ar h¡. Hw$N> g_` Ho$ {bE bmO©-H¡$n \§$S> AnZo nmoQ>©\$mo{b`mo _| hmB©-~rQ>m ñQ>m°H$ Omo‹S>H$a AÀN>m àXe©Z Xem© gH$Vo h¢, bo{H$Z ~wao g_` _| `h Am` ZXmaX hmo gH$Vr h¡.

· \§$S> Ho$ ~mao _| \¡$gbm boVo g_` `h XoIZm μOê$ar h¡ {H$ ~wao ~mOma hmbmV _| _yë` gwa{jV aIZo Ho$ {bhmμO go \§$S> {H$VZm AÀN>m à~§{YV hþAm h¡.

· CR>Vo Am¡a {JaVo XmoZm| hr ~mOmam| _| \$§S²>g H$s VwbZm μμÁ`mXm àmg§{JH$ h¡.

· Am` A{O©V H$aZo {OVZm hr _hËdnyU© h¡ _yë` H$s ajm H$aZm.

D. \§$S> n\$m}_}Ýg AmnHo$ ßbmZ H$m {gμ\©$ EH$ nhby h¡· h_| ò Zht ^ybZm Mm{hE {H$ h_ EH$ ~r_m ßbmZ _| {Zdoe H$a aho h¢. EH$ ~r_m nm°{bgr aIZo H$m ~‹S>m

CÔoí` hmoVm h¡, {gμ\©$ \§$S> àXe©Z VH$ gr{_V Zht hmoVm h¡.

· ßbmZ AmnHo$ {bE Cn`wº$ hmo ò _m`Zo aIVm h¡.

· ~r_m ãrXZo H$m EH$_mÌ _mnX§S> \§$S> H$s d¥{Õ Xa Zht hmoVr. AmnH$s \$m`Zm§{e`b ñH$s_ _| CËnmX H$s ˜y{~`m§ ^r _hËdnyU© ^y{_H$m {Z^mVr h¢.

· `{X 20 dfu` nm°{bgr Ho$ \§$S²>g ewé Ho$ 2 df© _| H$mμ\$s AÀN>m àXe©Z Am¡a A§{V_ 5 df© Ho$ Xm¡amZ ~wam àXe©Z H$ao Vmo H$moB© AW© Zht ahVm h¡.

· XrK©H$mbrZ àXe©Z J«mhH$ Ho$ {bE ghr _yë` g§dY©Z h¡.

· h_mao OrdZ Ho$ bú` [aQ>mà_|Q>, ~ƒm| H$s {ejm O¡go hmoVo h¢. h_| XrK©H$mbrZ XoIZm Mm{hE. AV: AënH$mbrZ ApñWaVm ~o_Vb~ h¡.

""AÝ` H§$n{Z`m| H$s VwbZm _| \§$S>{dH$mg Xa H$_ h¡.''

A. IRDA H$s ^y{_H$m· `h nm°{bgrYmaH$m| Ho$ {hVm| H$s ajm Ho$ {bE H$m_ H$aVm h¡.

· ~r_m H§$n{Z`m| H$mo _m°{ZQ>a H$aZm Am¡a CZH$s Am°{S>Q> H$aZm AmB©AmaS>rE H$m _w»` H$m_ h¡. Bg{bE J«mhH$ H$m {hV gwa{jV ahVm h¡ Am¡a AmB©AmaS>rE Ho$ {Xem {ZX}em| H$m ^r nmbZ hmoVm h¡.

· `h {Z`m_H$ ñdemgr h¡. `h ~r_m H§$n{Z`m| na ha ñVa na {Z`§ÌU aIVm h¡ - g§MmbZ - {Z_m©U-_yë`m§H$Z-[anmo{Q>ªJ.

· AmB©AmaS>rE Z {gμ\©$ ~r_m H§$nZr ~pëH$ CgHo$ {dVaH$m| (EO|Q>, à{ejU d bm`g|qgJ) H$mo ^r {Z`§{ÌV H$aVm h¡.

B. IRDA Ûmam H$s JB© H$ma©dmB`m§· AmB©AmaS>rE {Z`{_V ê$n go n|eZ, `y{bn, VIP Am{X na {Xem-{ZX}e Omar H$aVm h¡, Vm{H$ J«mhH$m| Ho$

{hVm| H$m Ü`mZ aho.

· J«mhH$m| H$mo Ü`mZ _| aIVo hþE IRDA Zo H$B© ~r_m H§$n{Z`m| Ho$ CËnmX ~§X H$a {XE h¢.

· H$_ nmaXeu CËnmXm| H$mo g§emo{YV {H$`m J`m h¡. (IRDA Zo nmaX{e©Vm Ho$ {bE ~r_m H§$n{Z`m| H$mo nhbo go àñVwV CËnmXm| _| g§emoYZ H$amE h¢.)

· {~H«$s hmoZo go nhbo hr {Z`_Z ewé hmo OmVm h¡. nm°{bgr àmá H$aZo Ho$ {bE J«mhH$ H$mo ~o{Z{\$Q> BbñQ´>oeZ na hñVmja H$aZo hmoVo h¢.

· Bg {Z`m_H$ Zo gm°ëd|gr [anmoQ>© Omo nhbo gmbmZm Wr Cgo ~XbH$a {V_mhr H$a {X`m h¡. Bggo ~r_m H§$nZr Ho$ àXe©Z H$s H$ar~ go _m°{ZQ>[a¨J hmoVr h¡.

· ~r_m CËnmXm| H$s C{MV {~H«$s Am¡a ãrX Ho$ {bE ~r_mH$Vm© Am¡a Am_ OZVm H$mo g§doXZerb ~ZmZo Am¡a {e{jV H$aZo _| AmB©AmaS>rE g\$b ahm h¡.

· AmB©AmaS>rE gw{ZpíMV H$aVm h¡ {H$ h_ AnZm gm°ëd|g _m{O©Z ~ZmE aI|, Omo nm°{bgrYmaH$ H$s {dÎmr` gwÑT>Vm gw{ZpíMV H$aZo Ho$ {bE g~go g»V {Z`_ h¡.

· {dkmnZm| Am¡a gm{hË` (g^r à_moeZb gm_J«r) H$s IRDA Ûmam Om§M H$s OmVr h¡.

· IRDA EH$ {eH$m`V {ZdmaU V§Ì Ho$ ê$n _| H$m_ H$aVm h¡.

· ~r_m H§$nZr Ho$ g^r Šbm°μOa H$s J§^raVm go g_rjm hmoVr h¡. Eogo _m_bm| _| IRDA XIb XoVm h¡, {Og Vah gË`_ Ho$ _m_bo _| go~r Zo Am¡a ½bmo~b Q´>ñQ> ~¢H$ Ho$ {bE RBI Zo XIb {X`m Wm.

C. AmB©AmaS>rE {dídgZr` h¡· IRDA {dídmg, nmaX{e©Vm Am¡a Q>oŠZmobm°Or H$m g§J_ h¡.

· IRDA H$mo g§gX _| EH$ A{Y{Z`_ nm[aV H$aHo$ ~Zm`m J`m h¡.

· A^r VH$ ~r_m CÚmoJ _| hf©X _ohVm `m Ho$VZ nm[aI O¡gm H$moB© ^r KmoQ>mbm Zhr hþAm h¡.

· d¡pídH$ ê$n go, {H$gr ^r d¡Ym{ZH$ g§ñWm Ho$ {Z`m_H$ {d{^Þ à{H«$`mAm| Ho$ gdm}ƒ _mZH$, Z¡{VH$ d nmaXeu H$m`©àUmbr Am¡a IwbonZ H$mo AnZmVo h¢.

· _¢ _mZVm hÿ§ {H$ J«mhH$ Ho$ ZμO[aE go XoIZo na g~go ~‹S>m _wÔm {d{Z`m_H$ A§VanUZ h¡. bo{H$Z _¢ AmídñV H$aVm hÿ§ {H$ IRDA ~hþV g»V h¡.

· AMP gÝ_ma (A~ [abm`§g) Ho$ nm°{bgrYmaH$m| H$m {hV gwa{jV aIm J`m. Eogo _m_bm| _| {Z`m_H$ H$m hñVjon ~hþV _hËdnyU© hmoVm h¡.

· IRDA Ho$ H$_©Mmar VH$ZrH$s ê$n go `mo½` Am¡a Bg CÚmoJ Ho$ ~mao _| H$mμ\$s AZw^dr h¢.

· ""Amn {Z`m_H$ na A{dídmg Zht H$a gH$Vo h¢. Š`m Amn RBI Ho$ Jd©Za Ho$ hñVmja {~Zm dmbr é.10 H$s ZmoQ> H$mo ñdrH$ma H$a|Jo''?

""{Z`m_H$ g§ñWmE§ à^mdr Zht h¢.''

A. A{YH$m§e bmoJ `ht _hgyg H$aVo h¢.· OrdZ ~r_m nm°{bgr ãrXZo H$m EH$_mÌ CÔoí` 10 (10D) Zht hmo gH$Vm h¡· 10 (10D) Ho$ A§VJ©V H$a _wº$ _¡À`mo[aQ>r Vmo OrdZ ~r_m H$m {gμ\©$ EH$ nhby h¡.

~r_m Vmo Omo{I_ H$_ H$aZo H$m _mÜ`_ h¡.· Š`m Amn 10 (10D) H$s {Z`Vr Ho$ ~mao _| gmoMH$a {~Zm H$da Ho$ ah|Jo `m AnZo ~ƒm| H$s {ejm Ho$ ~mao _|

ßbmqZJ H$aZm amoH$ X|Jo?· AmnHo$ ì`{º$JV \$m`Zm§{e`b ßbmZ na H$a ßbmqZJ ^mar Zht n‹S>Zr Mm{hE, {OgHo$ {bE OrdZ ~r_m

EH$ Ah_ _mÜ`_ h¡.· {\$ŠgS> {S>nm°{μOQ> na ã`mO na TDS H$Q>Vm h¡. Vmo Š`m AmnZo {\$ŠgS> {S>nm°{μOQ> _| {Zdoe H$aZm N>mo‹S>

{X`m?· `h nm°{bgrYmaH$m| Ho$ {hVm| H$s ajm Ho$ {bE H$m_ H$aVm h¡.

B. OrdZ ~r_m H$mo àmoËgm{hV H$aZo Ho$ {bE 10(10D) H$mo ~‹T>m`m J`m h¡· Š`m|{H$ YZ EH$Ì H$aHo$ ""ny§Or {Z_m©U'' _| AW©ì`dñWm H$mo _XX H$aZo Ho$ {bE OrdZ ~r_m g~go à^mdr

_mÜ`_ h¡.

· ^maV _| A^r ^r g_w{MV gm_m{OH$ gwajm H$m \¡$bmd Zht hþAm h¡, Bg{bE OrdZ ~r_m CÚmoJ H$mo gaH$ma H$m g§ajU {_bVm ahoJm.

· gaH$ma H$mo OrdZ ~r_m go AàË`j amOñd {_bVm h¡ O¡go godm H$a, ñQ>¡ån S>çyQ>r, H$m°nm}aoQ> H$a Am{X. Bg{bE 10 (10D) H$mo hQ>mZo/~XbZo go gaH$ma na ^r Aga n‹S>oJm.

C. 10(10D) Ho XyaJm_r n[aUm_ h¢· `{X gaH$ma OrdZ ~r_m Ho$ _¡À`mo[aQ>r bm^ H$mo H$a Ho$ Xmào _| bmZm Mmho dh gmd©O{ZH$ ^{dî` {Z{Y

Am¡a J«¡À`wQ>r O¡go _mÜ`_m| _| {_bZodmbo bm^ H$mo ^r H$a Xmào go ~mha Zht N>mo‹S>oJr.

· ~r_m AZw~§Y EH$ XrK©H$mbrZ ~MV Am¡a gwajm _mÜ`_ h¡. `h {dewÕ ê$n go EH$ {Zdoe _mÜ`_ Zht h¡. Bg _¡À`mo[aQ>r na H$a bJZo H$s g§^mdZm H$mμ\$s H$_ h¡.

· ~r_m H§$n{Z`m| Zo ñVm°H$ ~mOma Am¡a ^maV gaH$ma Ho$ ~m±S²>g _| H$mμ\$s YZ {Zdoe {H$`m h¡. 10 (10D) _| {H$gr ^r ~Xbmd go Bg na ~wam Aga n‹S>oJm.

· 10 (10D) H$mo hQ>mZo/~XbZo na {ddm{hV _{hbm H$s gån{Îm A{Y{Z`_ Ho$ d¡Ym{ZH$ àmdYmZm| go {damoYm^mg hmoJm.

D. 10(10D) H$mo hQ>mZm /~XbZm H$moB© ì`dhm`© {dH$ën Zht h¡· gm_m{OH$-Am{W©H$ Ñ{ï> go àË`j H$amamonU H$s gyMr _| OrdZ ~r_m H$m Zm_ g~Ho$ ~mX _| AmEJm.

· ^maV O¡go Xoe _|, Ohm§ gaH$ma OrdZ ~r_m Ho$ àgma H$mo ~‹T>mZm MmhVr h¡, 10 (10D) hQ>mZo H$m {dMma Cn`wº$ Zht h¡.

· ^{dî` {Z{Y Ho$ ~mX OrdZ ~r_m CÚmoJ _| gdm©{YH$ g§»`m _| IwXam {ZdoeH$ h¢. Bg{bE 10 (10D) H$mo hQ>mZm gaH$ma Ho$ gm_Zo g~go A§{V_ {dH$ën hmoJm.

· A^r VH$ H$moB© ^r H$a {dYmZ nyd© ì`mnr T>§J go à^mdr Zht hþAm h¡. Bg{bE h_ _mZ gH$Vo h¢ {H$ AmO Omar H$s JB© OrdZ ~r_m nm°{b{g`m§ à^m{dV Zht hm|Jr.

· 10 (10D) hQ>mZo Ho$ ~mX ^r gånyU© _¡À`mo[aQ>r am{e na H$a Zht bJ gH$Vm, Š`m|{H$ Bg_| nm°{bgrYmaH$/~r{_V ì`{º$ Ûmam MwH$mB© JB© àr{_`_ ^r em{_b hmoVr h¡.

· ny§Or ~mμOmam| (S>oQ> d B{¹$Q>r ~mOma) Ho$ {dH$mg _| ~r_m CÚmoJ Zo H$m\$s gh`moJ {H$`m h¡, Eogo _| 10 (10D) H$mo hQ>mZo go CZ na ~wam Aga n‹S>oJm.

""nm°{bgr _¡À`mo[aQ>r Ho$ g_` gaH$ma Ûmam10 (10 D) hQ>m/~Xb Xr OmE Vmo Š`m hmoJm?''

A. IRDA Ûmam {d{Z`{_V ~r_m H§$nZr· {OZ joÌm| H$m Zr{OH$aU hþAm h¡ CZ na gaH$ma H$m {Z`§ÌU h¡. CgHo$ nmg {deof {d{Z`m_H$ g§ñWmE§ h¢,

O¡go ~¢H$m| Ho$ {bE RBI, Q>obrH$m°_ Ho$ {bE Q´>mB© Am¡a ~r_m Ho$ {bE IRDA.

· ^maV _| g^r ~r_m H§$n{Z`m| H$mo gm°ëd|gr _m{O©Z aIZm n‹S>Vm h¡, Mmho dh Zr{O joÌ H$s hmo `m gmd©O{ZH$.

· gVH©$ {Zdoe Am¡a g»V IRDA {Z`_Zm| H$m ewH«$ h¡ {H$ h_ emoYj_ (gånÞ)> h¢- _μO~yVr go gånÞ.

· {Z`_Z go g^r ~r_m H§$n{Z`m| H$mo g_mZ Adga {_bVo h¢. Bg{bE H§$nZr {H$VZr gwa{jV h¡, Bg AmYma na \¡$gbm boZm ~o_mZr h¡.

B. ~OmO Am{b`mÝμO `mZr go\$ (S.A.F.E)· ñQ>o{~{bQ>r-h_Zo ~r_m CÚmoJ _| {dÎmr` godmE§ àXmZ H$aZo H$s 115 df© H$s {damgV Ho$ gmW Am{b`mÝμO

Ho$ ê$n _| AnZr pñWaVm gm{~V H$s h¡.

· AH$mC§Q>o{~{bQ>r- AnZo J«mhH$m| H$mo Amdí`H$Vm AmYm[aV CËnmX àXmZ H$aHo$ AnZr {Oå_oXmar H$m {Zdm©h {H$`m h¡.

· \$m`Zm§{e`b {gŠ`w[aQ>r- AmnH$mo dm{μO~ Am¡a âmogo_§X ~r_m gwb^ H$amHo$ h_ {dÎmr` gwajm gw{ZpíMV H$aVo h¢. `h AmnH$mo AmnHo$ `mo½` Xm_ na, g~go μOê$ar g_` na, μOê$ar H$da XoJm.

· E{\${eE§gr-h_mar ~ohVarZ godm JwUdÎmm Am¡a J«mhH$ H|${ÐV CËnmX _| h_mar H$m`©Hw$ebVm PbH$Vr h¡.

C. Amn h_ na âmogm H$a gH$Vo h¢· ~OmO Am¡a Am{b`mÝμO XmoZm| H$m Bg CÚ_ _| b§~o g_` VH$ CnpñW{V H$m ~{‹T>`m AVrV ahm h¡.

· h_ AmnH$s ~r_m μOê$aVm| H$mo g_PVo h¢ Am¡a CgHo$ AZwgma ~r_m ßbmZ gwb^ H$amVo h¢.

· `hm§ na Ñ{ï>>H$moU {ZUm©`H$ H$maH$ h¡. EH$ Zr{O H§$nZr hmoZm h_| AnZo nm°{bgrYmaH$m| Ho$ {hVm| Ho$ à{V μμÁ`mXm gVH©$ Am¡a {Oå_oXma ~ZmVm h¡.

· ^maV _| Zr{O ~r_m CÚmoJ J«moW ñQ>oamoBS> Ho$ {bE narjU _| AÀN>m ahm h¡.

· `{X h_ ^maVr` H$mZyZm| Ho$ C{MV {d{Z`_Z _| Zht hmoVo Vmo, h_ O¡gr Zr{O H§$n{Z`m| H$s nm°{b{g`m| na 80C/ 80D/ 10 (10D) bm^ Š`m| {XE OmVo h¢?

D. VÏ`m| H$m CObm nj Xo{IE· h_mam ì`dgm{`H$ Xe©Z AmYw{ZH$ Q>oŠZmobm°Or Ho$ gh`moJ go H$ñQ>_mBÁS> CËnmX àXmZ H$aHo$ CËH¥$ï>

~r_m Am¡a {Zdoe g_mYmZ àXmZ H$aZm h¡.

· AmnH$mo J«mhH$m| H$s Cg {demb g§»`m H$s Amoa XoIZm Mm{hE, {OÝhmoZo AnZo YZ Ho$ {bE h_ na âmogm {H$`m h¡.

· h_mar emImAm| H$s ^mar g§»`m Bg ~mV H$m àVrH$ h¡ {H$ h_ `hm§ "{Q>H$Zo' Ho$ {bE h¢, Mbo OmZo Ho$ {bE Zht.

· ~ohX nmaX{e©Vm AnZmVo hþE h_Zo AnZo CËnmX ~«moea Am¡a ~o{Z{\$Q> {ddaU do~gmBQ> na àH$m{eV {H$E h¢.

· 10+ dfm] _| bmIm| J«mhH$ Bg ~mV H$m à_mU h¢ {H$ EH$ ~«m§S> Ho$ ê$n _| ~m{bH$ Zo ânya âmogm Am¡a {dídmg hm{gb {H$`m h¡.

· gm_m{OH$-Am{W©H$ Ñ{ï> go XoI| Vmo, àË`j H$amamonU Ho$ {bE OrdZ ~r_m H$s ~mar g~go A§V _| AmEJr.

""BALIC EH$ àmBdoQ> H§$nZr h¡.''

A. hoëW ßbmÝg hmXgm| go gwajm Ho$ {bE h¢, Am_XZr Ho$ {bE Zht· Š`m Amn R>rH$ hmo OmZo Ho$ ~mX S>m°ŠQ>a go \$sg dmng _m§J|Jo?

· `{X AmnH$m CÔoí` hoëW àm°Q>oŠ>eZ hmo Vmo AmnH$mo hoW ßbmZ boZm Mm{hE.

· Am_XZr MmhZo H$s ~Om` ñdmñÏ` XwK©Q>ZmAm| Ho$ {bE Am{W©H$ ghm`Vm nmZm ~ohVa h¡. AmnH$s gdm}Îm_ Am` AmnHo$ _Z H$s em§{V h¡.

· hoëW ßbmZ EH$ AÑí` H$dM H$s Vah h¡ Omo E_O}Ýgr H$s Xem _| {XIVm h¡.

· AmnH$mo {M{H$Ëgr` g§H$Q> Ho$ H$maU AMmZH$ IM© Ho$ à{V H$da hmoZo Ho$ {bE ßbmZ H$s μOê$aV h¡.

· `{X Amn μOmoa XoVo h¢ Vmo _¢ AmnH$mo Xmo ßbmZ Xo gH$Vm hÿ§ 1) hoëW 2) H$moB© AÝ` {Zdoe ßbmZ. `h AmnH$s XmoZm| μOê$aV| nyar H$aoJm.

B. IM] ~‹T> aho h¢, AmnH$mo AmO go hr àmdYmZ H$aZm hmoJm· ñdmñÏ` g§~§Yr IM} ~‹T> aho h¢. S>m°ŠQ>g©/ hm°ñnrQ>bmBOoeZ/XdmB`m|- g^r H$m IM© ~hþV μμÁ`mXm h¡.

· Š`m Amn MmhVo h¢ {H$ S>m°ŠQ>g© Am¡a AñnVmb AmnH$s ~MV H$m H$mμ\$s gmam {hñgm bo b|?

· ^{dî` Ho$ ^mar {M{H$Ëgm IM© go ~MZo Ho$ {bE AmnH$s T>mb h¡§ hoëW ßbmÝg.

· hoëW ßbmZ _| IM© go μμÁ`mXm \$m`X| {_bVo h¢.

· ñdmñÏ` g§~§Yr ì`` AkmV Am¡a Cå_rX go nao h¢, CÝh| AnZr h¡{g`V go nao Zm ~ZmE§.

C. hoëW B§í`moa|g Vmo doëW B§í`moa|g h¡· AmnH$mo hoëW ßbmZ Bg{bE boZm Mm{hE {H$ BgH$s AmnH$mo μOê$aV h¡, Zm {H$ AmnHo$ YZ H$mo ~‹T>Zo Ho$ {bE

hoëW ßbmZ H$s μOê$aV h¡.

· AmnZo Mmho AÀN>m à{V\$b H$_m`m hmo Vmo ^r ñdmñÏ` g_ñ`mE§ ^{dî` _| AmnH$m gmam YZ IM© H$adm gH$Vr h¢.

· hoëW B§í`moa|g gw{ZpíMV H$aVm h¡ {H$ AmnH$s AÝ` ~MV/{Zdoe IË_ {H$E {~Zm AmnH$mo AÀN>r Am` XoVo ah|.

· hoëW ßbmZ Zht hmoZo na H$moB© ñdmñÏ` g_ñ`m hmo Vmo AmnH$s \$m`Zm§{e`b ßbmqZJ Am¡a {Z`{_V ~MV J‹S>~‹S> hmo gH$Vr h¡. AmnHo$ {Zdoem|/~MV H$s Am` H$mo {M{H$Ëgm E_oO}Ýgr _| IM© H$aZo H$s ~Om` aMZmË_H$ ê$n go BñVo_mb H$aZm g_PXmar h¡.

· hoëW ßbmZ EH$ Q>rHo$ (d¡pŠgZ) O¡go hmoVo h¢. {H$gr ^r hmXgo go IwX H$mo ~MmH$a aIZm h_oem AÀN>m ahVm h¡.

D. hoëW ßbmÝg H$m bú` Ý`yZV_ IM© na A{YH$V_ gwajm àXmZ H$aZm h¡· hoëW ßbmZ AmnH$mo Šb¡_-_wº$ Ad{Y Ho$ {bE BZm_ XoVm h¡.

· àr-hm°ñnrQ>bmBOoeZ VWm nmoñQ>-hm°ñnrQ>bmBOoeZ ì``

· TPA- AmnH$mo AnZr E_O}Ýgr R>rH$ H$aZo _| _XX {_bVr h¡.

· AmnH$mo H¡$ebog \o${g{bQ>r XoVm h¡. Vwa§V ZH$Xr XoZo H$s μOê$aV Zht.

· AmnH$mo gdm}Îm_ à{V\$b h¡ AmídñV hmoZm. gd©loð> AñnVmbm| _| {deofk S>m°ŠQ>am| Ûmam.

· AÀN>r ñdmñÏ` godm H$m IM© {gμ\©$ AmnH$s H$_mB© go nyam Zht {H$`m Om gH$Vm.

· H$_ MwH$mE§, μμÁ`mXm nmE§. AnZr hoëW g§^mb| Am¡a AnZr doëW ~‹T>mE§.

· {H$gr ñdmñÏ` g§H$Q> go AnZo n[adma H$mo ~MmZo Ho$ {bE Š`m AmnZo n`m©á ~MV H$s h¡? `{X Zht, Vmo AmnH$mo hoëW ßbmZ H$s g»V μOê$aV h¡.

""hoëW ßbmZ _wPo H$moB© Am` Zht XoVm h¡. _¢ Bgo Š`m| by§?''


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