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IÐLeV. KqO SWL¡ÕSrãV RNWc]ãV WL¡c]R£ WLq|¾]sLReË]¤ Cf]R£ A¡ÀU WÒj] yo¡Õ]\ÿ

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yop°t]¤ Af]¤ vqO¾]p]ŸOç SnhYf]W¥ NkWLqU, j]¡vÿ\]\ÿ]ŸOç AUY}WQf v|LkLq] BeV.

""m]y]jôV h]vyU'' IÐL¤ A¡ÀU ASkƒLSlLr¾]¤ NkSf|WU v|©oL¨]p]ŸOç

RIy]RIy]RI mLË]R£ mÌRÕŸ KLl}yV, ARsæË]¤ WL¡cV sn|oL¨]p KLl}yV, ARsæË]¤ WL¡cV

AUYR¾ RIy]RIy]RI mLËV Ar]p]\ÿ]ŸOçfLp KLl}yV yLiLqe m]y]jôV CakLaOW¥¨Lp]

fOrÐO Nkv¡¾]ÖÐ h]vyU IÐLeV.

""WL¡cV'' ARsæË]¤ ""RNWc]ãV WL¡cV'' ARsæË]¤ ""CIURI WL¡cV'' ARsæË]¤ ""SWL¡ÕSrãV

RNWc]ãV WL¡cV'' ARsæË]¤ ""KL¦RRs¢ RNWc]ãV WL¡cV'' ARsæË]¤ ""m]y]jôV WL¡cV''

ARsæË]¤ ""v]y IUR\ V̈ RNWc]ãV WL¡cV'' IÐL¤ A¡ÀU RIy]RIy]RI mLËV v]y/ARoWõV/

oLð¡ WL¡cV RNWc]ãV WL¡cV ARsæË]¤ ASkƒR£ ASkƒ NkWLqU RIy]RIy]RI mLËV

j¤W]p]ŸOçfLp oSãRfË]sOU RNWc]ãV WL¡cV WL¡cV IÐLeV.

""Ik]RII¢'' IÐf]R£ A¡ÀU WL¡cOoLp] mÌRÕŸV RIy]RIy]RI mLËV WL¡cV AUY¾]jV

AjOvh]\ÿ]ŸOçSfL, yopL yop°t]¤ WL¡cV AUYU/RIy]RIy]RI mLËV RfqRáOÖÐSfL

Bp SkuVyej¤ RIc£]l]S¨x¢ jÒ¡ IÐLeV.

""WL¡cV A¨TºV'' IÐf]R£ A¡ÀU Cv]Ra RWLaO¾]ŸOç v|vòW¥ÖU j]mÌjW¥ÖU

AjOyQfoLp] RNWc]ãV WL¡cV DkSpLY¾]jO Svº] WL¡cV AUY¾]R£ Skq]¤ fOrÐ]ŸOçfOU

RIy]RIy]RI mLËV j]sj]¡¾] vqOÐfOoLp A¨TºV IÐLeV.

""W|LxV s]o]ãV'' IÐf]R£ A¡ÀU WL¡cV AUY¾]jV fR£ WL¡cV A¨Tº]¤ j]ÐOU

k]¢vs]¨LvOÐ, RIy]RIy]RI mLËV j]¡vÿ\]Ÿ]ŸOçSfL j]ép]ŸOçSfL Bp kqoLvi] keU

ARsæË]¤ ke¾]jO fOs|oLp vñO IÐLeV. W|LxV s]o]ãV WL¡cV AUY¾]R£ RNWc]ãV s]o]ãV/k¡S\ÿyV

s]o]ã]¤ D¥RÕaOÐ KqO DkYeU BeV. (v]y IUR\ V̈ WL¡c]jV mLiWosæ).

""\L¡²V'' AgvL ""\L¡²OW¥'' IÐf]R£ A¡ÀU Cv]Ra \ŸU VI¤ v]vq]\ÿ]ŸOçSfL, ARsæË]¤

CT v|vòWt]sOU j]mÌjWt]sOU oRãv]RaRpË]sOU kqLo¡w]\ÿ]ŸOçSfL Bp \L¡²OW¥ IÐLeV.

Cv]Ra kqLo¡w]\ÿ]ŸOç \L¡²OWtORa oOuOv¢ v]whLUw°tOU, yopL yop°t]¤ SnhYf] R\áRÕŸ

2

j]sp]¤, aLq]lV AjOmÌ¾]¤ RWLaO¾]ŸOç q}f]p]¤ Bp]q]ÖU, WL¡cV AUY¾]jV NkSf|WU

Ar]p]ÕV j¤W]p]Ÿ]RsæË]¤.

""WÒj]'' IÐf]R£ A¡ÀU WÒj}yV BW›V, 1956¤, Af]R£ yopL yop°t]Rs SnhYf]W¥

AjOyq]\ÿV j]¡vÿ\]¨RÕŸ]ŸOç KqO WÒj]pOU SWL¡ÕSrãV RNWc]ãV WL¡c]jO Svº]pOç KqO

ASkƒWjOU IÐLeV.

""RNWc]ãV s]o]ãV/k¡S\ÿyV s]o]ãV'' IÐf]R£ A¡ÀU WL¡cV AUY¾]jV fR£ RNWc]ãV WL¡c]SÓ¤

R\svu]¨L¢ Ai]WLqU j¤WRÕŸ]ŸOç kq]i] IÐLeV.

""Dp¡Ð AkWa yLÈ|fpOç qL^|°¥ (I\ÿVB¡y])'' IÐf]R£ A¡ÀU WL¡c]¤ JRfË]sOU

CaLkaOW¥ ja¾]ü]pOSÒL¥ WL¡c]Rj yUmÌ]ÖÐ v]vq°¥ hOqOkSpLYU R\áRÕaOÐf]jOç

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KÕU/ARsæË]¤ vµjLkqoLp DkSpLY°tORapOU Aa]òLj¾]¤ Dp¡Ð AkWa yLÈ|fpOç

qL^|°¥ IÐV RIy]RIy]RI mLËV fqUf]q]\ÿ]ŸOçfOop qL^|°¥ IÐLeV.

""RIy]RIy]RI s]o]ãV'' IÐf]R£ A¡ÀU RNWc]ãV WL¡c]R£ Daoò¡ Bp RIy]RIy]RI

mLËV s]o]ãcV, Af]R£ k]¢YLo]W¥, AjOvh]¨RÕŸ Nkf]kOqOxÓL¡ IÐLeV.

""RIy]RIy]RI 24 oe]¨P¡ Wðo¡ RWp¡ Ry£¡'' IÐfORWLºV DSÇw]ÖÐfV WL¡cV

AUY°¥ V̈ RIy]RIy]RI mLËV sn|oLÖÐ SlL¦ mLË]UYV SyvjR¾pLeV.

""C¢l]j]ã]'' IÐfV URL www.icicibankcom ¤ RIy]RIy]RI mLË]R£ Daoòfp]¤ òLk]\ÿfOU

j]sj]¡¾] vqOÐfOoLp RIy]RIy]RI mLË]R£ C£¡RjãV mLË]UYV y¡vÿ}yV/RvmVRRyãV BeV.

(v]y IUR\ V̈ WL¡c]jV mLiWosæ).

""C¢xOr¢yV WÒj]'' IÐf]R£ A¡ÀU RIy]RIy]RI RsLUmL¡cV ^jr¤ C¢xOr¢yV WÒj]

s]o]ãcV ARsæË]¤ yopL yop°t]¤ RIy]RIy]RI mLËV f}qOoLj]ÖÐfLp oãV JRfË]sOU

C¢xOr¢yV WÒj] IÐLeV.

""AUYU'' ARsæË]¤ ""WL¡cV Dao'' ARsæË]¤ ""WL¡cV AUYU'' IÐf]R£ A¡ÀU fR£ SkqV

vz]ÖÐfLp KqO WL¡cV j¤WRÕŸ ASkƒWjOU A¾qU KqO WL¡cV RRWvwU Dç v|©]pOU

IÐLeV.

""o¡\ÿ£V IðLmæ]xVRo£V'' IÐf]R£ A¡ÀU JRfË]sOU òs°t]¤ CT WL¡cV Bhq]¨RÕaOÐ

òLkjU IÐLeV. Af]¤ oãOçvRàLÕU SðLrOW¥, SxLÕOW¥, RrSðLr£OW¥, SzLŸsOW¥,

Ip¡RRsjOW¥, Ia]IÚOW¥ D¥RÕRapOç W|LxV Ac~L¢yV SkLp£OW¥, Rop]¤ KL¡c¡ kqy|¨L¡

(\]sær v]¤Õj¨L¡, v]fqe¨L¡ ARsæË]¤ D¤ÕLhW¡) oOfsLpv¡ D¥RÕaOÐO.

""o¡\ÿ£V'' IÐL¤ A¡ÀU W\ÿva òLkj°¥ y~ÍoLpOçvSqL, nq]ÖÐvSqL, ja¾OÐvSqL

Bp v|©]W¥, AvqORa k]¢YLo]W¥ ARsæË]¤ AjOvh]¨RÕŸ Nkf]kOqOxÓL¡ IÐLeV.

""AaSàº o]j]oU fOW'' AgvL ""IUIc]'' IÐf]R£ A¡ÀU SðãVRo£]¤ A¾q¾]¤

SqXRÕaO¾]p]ŸOç fOW IÐLeV.

""RoL¾U AaSàº fOW'' ARsæË]¤ ""a]Ic]'' IÐf]R£ A¡ÀU SðãVRo£]¤ A¾q¾]¤

SqXRÕaO¾]p]ŸOç fOW IÐLeV.

""keU AaSàº f}pf]'' IÐf]R£ A¡ÀU WL¡cV AUY¾]R£ WL¡c]R£ DkSpLYU

yUmÌ]\ÿOºLWOÐ \L¡²OW¥ SðãVRo£]¤ Ar]p]\ÿ]ŸOç NkWLqU KLSqL oLyvOU keU

AaSàºfLp f}pf] IÐLeV.

""RRNkor] WL¡cV AUYU'' IÐL¤ BqORa Skq]sLSeL WL¡cV A¨TºV fOrÐ]ŸOçfOU WL¡cV

j¤W]p]ŸOçfOU, B v|©] BeV.

""B¡m]RI'' IÐL¤ A¡ÀU r]y¡vÿV mLËV KLlV CÍ| IÐLeV.

""SðãVRo£V'' IÐf]R£ A¡ÀU WL¡cOoLp] mÌRÕŸV NkLgo]W WL¡cV AUY¾]R£pOU ykæ]Ro£r]

WL¡cV AUY¾]R£pOU RIy]RIy]RI mLË]SjLaOç B f}pf]p]Rs yLÒ¾]W mLi|fW¥

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v]vq]\ÿORWLºV RIy]RIy]RI mLËV RRNkor] WL¡cV AUY¾]jV Ap\ÿORWLaOÖÐ Nkf]oLy

A¨TºV SðãVRo£V/SðãVRo£OW¥ IÐLeV.

""ykæ]Ro£r] WL¡cV AUYU'' IÐL¤ A¡ÀU, RRNkor] WL¡cV AUY¾]R£ WOaOUmLUYvOU B

mÌ¾]R£ WLqe¾L¤ KqO WL¡cV AUYoLp]¾}qOWpOU R\áOÐ B¥ IÐLeV. (v]y IUR\¨]¤

ykæ]Ro£r] WL¡cV sn|osæ).

""aLq]lV AjOmÌU'' IÐf]R£ A¡ÀU WL¡c]¤ sn|oLp Syvj°¥ V̈ mLiWoLp \L¡²OWtORa

v]whLUw°¥ j¤WOÐ AjOmÌU IÐLeV. CT \L¡²OW¥ RIy]RIy]RI mLË]R£ kP¡¹oLp

v]Sv\jLi]WLq NkWLqoOç oLã°¥ V̈ v]SipoLeV. IË]sOU, A¾qU \L¡²OW¥ 1 oLyR¾ oO¢WP¡

SjLŸ}yV WL¡cV AUY¾]jV j¤W] oLNfSo ls¾]¤ NkLms|¾]¤ vqO¾OWpOçO.

""NaL¢yLWVx¢ j]¡SÇwU'' IÐf]R£ A¡ÀU KqO WL¡cV AUYU Sjq]SŸL AsæLRfSpL

RIy]RIy]RI mLË]SjL KÕU/ARsæË]¤ RIy]RIy]RI mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡

Ry£r]sPRaSpL KÕU/ARsæË]¤ C¢l]j]ã]p]sPRaSpL KqO CakLaV ls¾]¤ vqO¾L¢ j¤WOÐ j]¡ÇwU

IÐLeV. NaL¢yLWVx¢ j]¡SÇw¾]¤ KqO \L¡²V yæ]ÕV, W|LxV Ac~L¢yV yæ]ÕV ARsæË]¤ Rop]¤ KL¡c¡

WPÕ¦ IÐ]v D¥RÕaOÐO, IÐL¤ Av oLNfoLp] kq]o]fRÕaOÐ]sæ.

CT ""v|vòWtOU j]mÌjWtOU'' IÐf]R£ A¡ÀU Cf]¤ v]vq]\ÿ]ŸOç v|vòWtOU

j]mÌjWtOU KÕU/ARsæË]¤ RIy]RIy]RI mLËV yopL yop°t]¤ SnhYf] R\áRÕŸ j]sàV

v|vò R\áOÐvpOU IÐLeV. CT v|vòWt]sOU j]mÌjWt]sOU Nkf]WPs DSÇw|°¥

Nkf|ƒoLWOÐ]RsæË]¤:

(I) KqO ""SnhYf]'' IÐfORWLºV DSÇw]ÖÐfV KqO ykæ]Ro£V, oLãU vqO¾¤, kOfO¨¤, oLã]

òLk]¨¤ ARsæË]¤ kOj@òLkjU IÐOU, ""SnhYf] R\áRÕŸO'' IÐfV Af]jjOyqeoLp]

v|LX|Lj]S¨ºfOoLeV; KqO ""Ai]WLqRÕaO¾¤'' AgvL ""AUY}WLqU'' IÐf]¤

Ai]WLqRÕaO¾¤, yÚfU, Wæ]pr¢yV, AUY}WLqU, AjOvLhU, NkSopU, RRsy¢yV, Ku]vL¨¤, lp¤

R\á¤, r^]ð¡ R\á¤ IÐ]v D¥RÕaOÐO; ""j]poU'' IÐf]¤ nqeZaj, \ŸU, j]poU, j]pNÍeU,

KL¡c]j¢yV, v]i]j|LpU, D¾qvV, B³, Ai]WLqRÕaO¾¤, Nky]È}Wq]\ÿfLp j]¡ÇwU,

oL¡«j]¡ÇwU, j]mÌj, j]po¾]R£ msS¾LRapOç y¡¨L¡ j]pNÍeU, j}f]j|Lp

Ai]WLq¾LsOç JRfË]sOU j]épU ARsæË]¤ Wu]ÓSkLpf]R£ JRfË]sOU v|LX|LjU, ASkƒ

KÕORvÖÐ/yo¡Õ]ÖÐ f}pf]p]¤ NkLms|¾]¤ DºLp]qOÐSfL ARsæË]¤ Af]jOSwxU KLSqLÐOU

yopL yop°t]¤ SnhYf] R\áRÕŸ j]sSàL Dçv D¥RÕaOÐO;

(m]) JWv\j¾]¤, mzOv\j°¥ WPa] D¥RÕaOÐO (AfOSkLRs or]\ÿOU);

(y]) CT v|vòWt]RspOU j]mÌjWt]RspOU fsR¨ŸOW¥ Nkf]kLh| yTWq|¾]jO Svº] oLNfU

S\¡¾]ŸOçfOU, v|vòWtOU j]mÌjWtOU v|LX|Lj]ÖSÒL¥ Av AvYe]S¨ºfOoLeV;

(c]) ""D¥RÕaOÐ'' ARsæË]¤ ""D¥RÕRa'' IÐ} vLÖW¥ kqLo¡w¾]¤ kq]o]f]p]sæLRf

v|LX|Lj]S¨ºfLeV;

(C) KqO s]UYyUmÌoLp kqLo¡w¾]¤ yVNf} s]UYvOU, kOqOx s]UYvOU, jkOUyW s]UYvOU

D¥RÕaOÐO;

(IlV) RIy]RIy]RI mLË]¤ j]ÐOU Bvw|oLp]ŸOç IsæL AUY}WLq°¥, AjOof]W¥,

yÚf°¥ ARsæË]¤ y~}Wq]¨sOW¥ SvºfLp JfO WLq|°t]sOU, oO¢WPŸ]pOçfOU

SqXLoPsoOçfOoLp AUY}WLqU, AjOvLhU, yÚfU, y~}Wq]¨¤ IÐ]v RIy]RIy]RI mLË]¤

j]ÐOU Bvw|oLeV.

(^]) v]y/oLð¡ WL¡cV j]pNÍe°RtÖr]\ÿOç kqLo¡w°¥ AvpORa wQUYsp]Rs AUY°tLp

mLËOW¥ V̈ v]y/oLð¡ WL¡cV j¤W]p]ŸOç oL¡« j]¡Çw°¥ V̈ AjOyqeoLp]ŸOçv Bp]q]ÖU.

(I\ÿV) RIy]RIy]RI mLËOU WL¡cV AUYvOU fÚ]¤ JRfË]sOU kq]kLa], yUnvU yLz\q|U,

oLãU, vyVfOf, v]vqU, SqX, Ai]WLqkNfU, jaka]NWoU, j]poU, v]ŸOSkLW¤, AvWLwRÕasOW¥,

sUZjU, v}uV\ ARsæË]¤ oãOfq¾]sOçfLp JRfË]sOU WLq|U yUmÌ]\ÿV JRfË]sOU v]SpL^]SÕL

f¡¨SoL DºLWOÐ kƒU, A°RjpOç JfO WLq|¾]R£pOU yL¡ÀWfRpÖr]\ÿOç

RIy]RIy]RI mLË]R£ An]NkLpU AÍ]ovOU WL¡cV AUY¾]jO So¤ mLiWvOU

4

Bp]q]ÖÐfOoLeV.

(RI) WL¡c]SÓsOU oRãv]RaRpË]sOU ""RIy]RIy]RI mLËV RNWc]ãV WL¡cV INY]Ro£V'' IÐ

vL¨]R£ DkSpLYU A¡ÀoLÖÐfV CT v|vòWtOU j]mÌjWtOoLeV.

II. WL¡cV Syvj°¥

WL¡cV RIy]RIy]RI mLË]R£ y~¾LeV. RIy]RIy]RI mLËV fLRuÕrpOÐvàOç Af]R£

AvWLwU RRWvwU vàOÐO: (1) ASkƒWR£ vLp×L v]w~Ly|f DrÕLÖÐf]Ss¨Lp] RNWc]ãV

m|PSrL r]SÕL¡ŸOU Bvw|RoÐV SfLÐOÐ AfOSkLsOç oãV r]SÕL¡ŸOWtOU SwXq]ÖW. (2) mLË]R£

kP¡¹oLp v]Sv\jLi]WLq¾L¤ JfV ASkƒWjOU WL¡cV j¤WL¢ v]yÚf]ÖW. WL¡cV RRWoLãU

R\áL¢ kLa]sæL¾fOU Af]R£ DkSpLYU Cf]¤ kqLo¡w]\ÿ]ŸOç v|vòW¥ÖU WPaLRf yopL

yop°t]¤ RIy]RIy]RI mLËV v|vò R\áOÐfLp JfV Ai]W j]mÌjW¥ÖU

v]SipoLp]q]ÖU. WL¡cV AUYU WL¡cV sn]\ÿ DaRj WL¡c]R£ k]¢nLY¾V KÕV vSàºfLeV. IsæL

WL¡cV AUY°¥ÖU RIy]RIy]RI mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡ Ry£¡ KÕU/ARsæË]¤

C¢l]j]ã] sn|oLp]q]ÖU. WL¡cV AUY°¥ RIy]RIy]RI mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡

Ry£¡ KÕU/ARsæË]¤ C¢l]j]ã]p]sPRa NkSpL^jRÕaO¾OÐ vLp×L kq]i] Dp¡¾¤,

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yTWq|°tOU IsæL yop¾OU CT Syvj°tOU/yTWq|°tOoLp] mÌRÕŸOU, CT Syvj°tOU/

yTWq|°tOU y~}Wq]ÖÐ q}f]pOoLp] mÌRÕŸOU RIy]RIy]RI mLËV v|vò R\áOÐfOU,

yopL yop°t]¤ SnhYf] R\áOÐfOoLp v|vòW¥ÖU j]mÌjW¥ÖU v]SipoLp]q]ÖU.

III. WL¡c]R£ DkSpLYU

(I) AÍLqLNì fs¾]¤ NkLms|oOç KqO WL¡c]R£ WLq|¾]¤, fLRu \ŸU III (^]) p]¤ v]vq]\ÿ]ŸOç

WLq|°¥ Ku]RW WL¡c]jV SsLWv|LkWoLp] NkLms|oOºLp]q]ÖU. oãV WL¡cOWtORa WLq|¾]¤

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Rcm]ã]sPRa sn]ÖÐfLeV. Cf]¤ WL¡cV Cx|O R\pÅ mLËV/yUZajp]¤ j]ÐOU keU f]q]RW

sn]ÖÐfV v]Shw jLe|¾]¤ Bp]q]ÖU.

6

(I¤) pLRfLqO WLqevOU WLe]¨LRf, WL¡c]sOç Ai]WLqRÕaO¾¤ ASkƒW¥ j]qy]¨LSjL

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mLËV 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ mÌRÕŸV B CakLaV ò]q}Wq]¨L¢ RIy]RIy]RI

mLËV WL¡cV AUYS¾LaV Bvw|RÕSŸ¨LU.

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IV. v|©]kqoLp f]q]\ÿr]p¤ jÒ¡

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V. sUZjU, AvyLj]Õ]¨¤/k]¢vL°¤

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7

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WL¡cV A¨TºV AvyLj]Õ]ÖÐf]jV ASkƒ]¨LvOÐfLeV.

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oO¢kR¾ WqLr]jV v]qOÈoLWLRfpOU: (I) SðãVRo£]¤ SjqS¾fRÐ Nkf]ls]\ÿ]ŸOçSfL, AsæL¾SfL

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Nkf]ls]ÖWpOºLp] IÐ j]sàO fRÐ \L¡ÔW¥ DºLp f}pf] oOf¤ yopL yop°]¤

NkLms|¾]sOç q}f]p]¤ ks]w mLiWoLWOÐfOU, B WOa]ê]W fOW WL¡cV AUYU AaSàºfOoLeV.

(v) WL¡c]SÓsOç AvWLw°¥ fL¤¨Ls]WoLSpL ò]qoLSpL k]¢vs]ÖÐf]jOU, KÕU/ARsæË]¤

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rÇLÖÐf]jOoOç kq]kP¡¹ v]Sv\Li]WLqU RIy]RIy]RI mLËV RRWvwU vàOÐO.

fL¤¨Ls]WoLpOç k]¢vs]¨sLReË]¤ RIy]RIy]RI mLËV Af]R£ kq]kP¡¹ v]Sv\Li]WLq

NkWLqU AvWLw°¥ kOj:òLk]S\ÿ̈ LU. ò]qoLpOç k]¢vs]¨sLReË]¤, WL¡cV AUY¾]jV

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k]¢vs]¨s]jO oOÒLp] WL¡c]¤ vÐ]ŸOçfLp oOuOv¢ \L¡²OWtOU, mLiWoLp]ŸOç oãV IsæL

8

\L¡²OWtOU yz]fU j¤WL¢ WL¡cV AUYU, RIy]RIy]RI mLËV or]\ÿV v|©oL¨]Ÿ]sæL¾kƒU,

fOa¡ÐOU mLi|òjLp]q]ÖU.

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VI. \L¡²OWtOU keU AaàsOWo£OWtOU

\L¡²OW¥ fLRuÕrpOÐv KSqLÐOU D¥RÕŸfLeV:

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yLij°tORapOU KÕU/ARsæË]¤ Syvj°tORapOU fOW; KqO NaL¢yLWVx¢ j]¡SÇwR¾ fOa¡ÐV

sn|oL¨]p Ac~L¢yV fOW; KqO NaL¢yLWVx¢ j]¡Çw¾]sPRa RIy]RIy]RI mLË]SjLaV WL¡cV

A¨Tº]¤ Rcm]ãV R\áL¢ WL¡cV AUYU ASkƒ]\ÿfLp JfO fOWpOU.

(m]) y~SoipL AsæLRfpOç \L¡²OWt]¤ D¥RÕaOÐv: KqO WL¡cV A¨Tº]R£SpL WL¡c]R£SpL

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RIy]RIy]RI mLËV yopL yop°t]¤ Ar]p]ÖÐ q}f]p]¤ Bp]q]ÖU.

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9

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A¨Tº]¤ (W|L¢ySsx¢ \L¡²OW¥ W]u]\ÿf]jO SwxU) RNWc]ãV R\áOÐfLeV.

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SWLÕ]pOU yz]fU yo¡Õ]ÖÐkƒU, Af]jOç RNWc]ãV WL¡cV AUY¾]R£ A¨Tº]¤

SqXRÕaO¾OÐfLeV. mLiWoLp NaL¢yLWVx¢ l}yV CTaL¨RÕaOÐfLeV.

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CTaLÖÐfLeV.

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R\áLvOÐfLeV. AaSàº o]j]oU fOW RoL¾U WOa]ê]W fOWpORa 5%SoL, RIy]RIy]RI mLËV

Af]R£ kP¡¹ v]Sv\jLi]WLq¾L¤ j]¡¹p]ÖÐ A¾q¾]sOç oãV fOWSpL Bp]q]ÖU.

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10

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ARsæË]¤ W|LxV s]o]ãV JfO yop¾OU kOj:kq]SwLi]ÖÐf]jV (v¡È]Õ]¨sOU WOr¨sOU D¥RÕRa)

RIy]RIy]RI mLË]jV Af]R£ kP¡¹oLp v]Sv\jLi]WLq NkWLqU AvWLwU DºLp]q]ÖÐfOU,

11

RNWc]ãV s]o]ã]¤, KÕU/ARsæË]¤ W|LxV s]o]ã]¤ RIy]RIy]RI mLËV v¡ÈjvV vqO¾OÐO IË]¤

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sn]ÖÐkƒU pLRfLqO y¡vÿ}yV \L¡²OWtOU CTaLÖÐfsæ. IË]sOU, IsæL keo]akLaOW¥ÖU,

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WOa]ê]W Bp] oLrOÐfOU, AfV oOuOvjLpOU WL¡cV AUYU, ASÇz¾]R£ k]¢YLo]W¥, SjLo]j]W¥,

j]poNkWLqoOç k]ÍOa¡\ÿLvWLw]W¥ IÐ]v¡ RIy]RIy]RI mLË]jV j¤SWºfOoLeV.

*RNWc]ãV x}¤cV Rmj]l]ã]R£ v]whLUw°¥ V̈ aLq]lV AjOmÌU SjLÖW.

* v]wh v]vq°¥ V̈, hpvLp] yÎ¡w]ÖW icicibank.com

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IsæL R\svOWtOU (j]pojaka]W¥Öç R\svOW¥ D¥RÕRa) WPaLRf RIy]RIy]RI mLË]jV

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SkRo£OW¥Öç k]uWtOU AfOSkLRspOç oãO \]svOWtOU, j]pojaka]W¥ BqUn]¨L¢

CavqOÐkƒU oOuOv¢ j]pojaka] \]svOWtOU ks]wSpLaOWPa]p v]i]¾OWpOU IsæLU D¥RÕaOÐO.

IsæL \L¡²OWtORapOU v]whv]vq°¥ V̈ aLq]lV AjOmÌU SjLÖW.

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AaàL¾kƒU, RIy]RIy]RI mLË]R£ Cv]RapOç \Ÿ°t]¤ v]vq]\ÿ]ŸOç v]v]i

AvWLw°¥ÖU kq]zLq oL¡«°¥ÖU kOrSo, WL¡cV SzL¥crORa/WL¡cV AUY¾]R£

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RIy]RIy]RI mLË]jV j¤WLjOçfLp IsæL WOa]ê]WWtOU f}qOÐfOvRq B fOW RIy]RIy]RI

mLË]jV j¤WOÐf]jOU Bvw|RÕaOÐf]jOU RIy]RIy]RI mLË]jV AyÎ]YVÈoLp Ai]WLqvOU

AvWLwvOU DºLp]q]ÖU. A°Rj ja¾OÐ W]u]¨¤ fOWW¥ RIy]RIy]RI mLËV WL¡cV

12

SzL¥crORa/WL¡cV AUY¾]R£ RfLu]sOaoRp Ar]p]ÖÐ (j]¡SÇw]ÖÐ) q}f]p]sOçv Bp]q]ÖU.

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j]pNÍ]ÖWSpL R\áOÐ]sæ.

VII. keU k]¢vs]¨¤

WL¡cV AUY¾]jV Aa]pÍ]qoLp] keU sn]ÖÐf]jLp] WL¡cV DkSpLY]\ÿV RIy]RIy]RI mLË]R£

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Rasæ¡ Rox}jOW¥ (Ia]IUW¥), ARsæË]¤ mÌoOç oãO mLËOW¥/yopL yop°t]¤

RIy]RIy]RI mLËV j]ép]ÖÐ oãV òs°¥ IÐ]v]a°t]¤ j]ÐOU keU IaO¨LvOÐfLeV.

CT yTWq|¾]¢ W}u]¤ k]¢vs]¨LvOÐ RoL¾U fOW KqO yop¾OU KLSqL WL¡cV AUY¾]jOU

j]ép]\ÿ]ŸOçfOU sn|vOoLp W|LxV s]o]ãV Wv]pL¢ kLa]sæL¾fLeV. Ia]IU¤ j]ÐOU sn]ÖÐ

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R\áOÐfOoLeV. Af]jV kOrSo, IsæL keU k]¢vs]¨sOW¥ÖU wqLwq] Nkf]h]j WOa]ê]WpORa

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RIy]RIy]RI mLË]¤ keU f]q]RW sn]ÖÐfOvRq mLiWoLWOÐfOoLeV. CT y¡vÿ}yV \L¡²V

WL¡cV A¨Tº]¤ Rcm]ãV R\áOÐfLeV.

oOWt]¤ kqLo¡w]\ÿfLp NaL¢yLWVx¢ l}yOWtOU y¡vÿ}yV \L¡²OWtOU f]q]\ÿOW]ŸL¾vpLeV.

RIy]RIy]RI mLËV j]ép]ÖÐ RfqRáO¨RÕŸ WL¡cOWt]¤, W|LxV s]o]ãV WL¡cV Cx|O

R\áOÐ f}pf] oOf¤ Bh|R¾ jPã] I¦kfV (180) h]vyU vRq kP^|U Bp]q]ÖU. Bh|R¾ 180

h]vy WLsptv]jO SwxU, RIy]RIy]RI mLËV Af]R£ kP¡¹oLp v]Sv\jLi]WLqU AjOyq]\ÿOU,

yopL yop°t]¤ RIy]RIy]RI mLËV Ar]p]ÖÐ j]mÌjW¥ÖU v|vòW¥ÖU

v]SipoLpOU WL¡cV AUY¾]jV W|LxV s]o]ãV sn|oLÖÐfLp]q]ÖU.

VIII. SlLe]sPRapOç NcLlVãV

WL¡cV A¨Tº]SÓ¤ NcLlVãV Cx|O R\áLjOç ASkƒ SlLe]sPRa RIy]RIy]RI mLË]R£

24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]sPRa RWLaO¨LvOÐfLeV. IsæL NcLlVãOWtOU sn|oLp W|LxV s]o]ãV

Wv]pL¾fLp fOWàOçfO oLNfSo Cx|O R\áOWpOçP. IsæL NcLlVãOW¥ÖU KqO NaL¢yLWVx¢ l}yV

\Oo¾OÐfOU AfV WL¡cV AUY¾]R£ SðãVRo£]¤ m]¤ R\áOÐfOoLeV. NaL¢yLWVx¢ l}y]jO kOrRo

IsæL NcLlVãOW¥ÖU KqO y¡vÿ}yV \L¡²V WPa] DºLp]q]ÖÐfOU, NcLlVãV Cx|O R\pÅ f}pf] oOf¤

WL¡cV RoÒ¡ RIy]RIy]RI mLË]jV keU f]q]\ÿaàOÐ f}pf] vRq AfV mLiWoLWOÐfOoLeV.

y¡vÿ}yV \L¡²V WL¡cV A¨Tº]¤ RIy]RIy]RI mLË]R£ j]sv]sOç j]q¨]¤ Rcm]ãV

R\áOÐfLeV. oOWt]¤ kqLo¡w]\ÿ NaL¢yLWVx¢ l}yOU y¡vÿ}yV \L¡²OU f]q]\ÿOW]ŸL¾vpLeV. CT

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j]¡¾sLÖÐf]jOç AvWLwU RIy]RIy]RI mLËV RRWvwU vàOÐO. Kq]¨¤ Cx|P R\pVf

NcLlVãV fkL¤ vu]SpL W|Pq]p¡ vu]SpL, WL¡cV AUY¾]R£ RIy]RIy]RI mLË]R£

RrS¨L¡cOWt]¤ AvyLjoLp] SqXRÕaO¾]p v]sLy¾]¤, Ap\ÿORWLaOÖÐfLeV.

RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ ASkƒ sn]\ÿ yopU oOf¤ 4

h]vy°¥¨WU NcLlVãV j¤WL¢ Svº èo°¥ IsæLU R\áOÐfLReË]sOU Cf]Ss¨Lp] pLRfLqO

DrÕOU j¤WOÐ]sæ. cLlVã]R£ Rcs]vr] sn]¨LRf vqOÐf]jOU, Rcs]vr] RRvWOÐf]jOU, W]ŸLRf

vqOÐf]jOU RIy]RIy]RI mLËV D¾qvLh]pLp]q]ÖÐfsæ. KqO NcLlVãV jìRÕaOWpLReË]SsL,

W|L¢y¤ R\áeRoË]SsL RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ DaRj

v]vqU Ar]p]S¨ºfLeV. WL¡cV AUY¾]¤ j]ÐOU wq]pLp] kPq]Õ]\ÿ mLÈ|fLoO© DrÕV

(RIy]RIy]RI mLË]jV y~}WLq|oLp KqO SlLr¾]¤) sn]\ÿf]jO SwxU oLNfU NcLlVãV fOW

RIy]RIy]RI mLËV WL¡cV A¨Tº]¤ RNWc]ãV Bp] f]q]\ÿO j¤WOÐfLeV. NcLlVãV W|L¢y¤

13

R\áOÐf]jV NcLlVãV f]q]\ÿO j¤SWºfOU Af]Ss¨Lp] KqO W|L¢ySsx¢ \L¡²V CTaLÖÐfLeV. KqO

NcLlVãV jìRÕaOWSpL/SoLxeU SkLvOWSpL R\pÅL¤ Af]R£ oLã] j¤Ws]SjL jìkq]zLq¾]SjL

RIy]RIy]RI mLËV D¾qvLh]pLp]q]ÖÐfsæ.

IX. C¢xPr¢yV BjOWPs|U

C¢xOr¢yV WÒj]pOoLpOç WPŸORWŸ]sPRa RIy]RIy]RI mLËV yopL yop°t]¤ WL¡cV

AUY¾]jV ksfqU C¢xOr¢yV BjOWPs|°¥ KLl¡ R\áOÐfLeV. IsæL RWæp]U SWyOWt]sOU, RWæp]U

K¾Of}¡ÕLÖÐf]jV C¢xOr¢yV WÒj] kP¡eoLpOU D¾qvLh]pLp]q]ÖU. jìkq]zLqU,

jìkq]zLqU CTaL¨¤, RWæp]oOWtORa RNkLyô]UYV oOfsLpvSàL oRãLRÍË]sOU WLqe°¥S¨L

WL¡cV AUYU RIy]RIy]RI mLË]Rj JRfË]sOU v]i¾]¤ D¾qvLh]pLp] We¨LÖWp]sæ. fLRu

RWLaO¾ X¼]Wp]Rs v|vòW¥ V̈ v]SipoLp], AUY}Wq]¨RÕŸ WOa]ê]WW¥ WL¡cV AUY¾]R£

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j¤WOÐf]sPRa, C¢xOr¢yV WÒj] Af]R£ IsæL mLÈ|fWt]¤ j]ÐOU oO©oLWOÐfLeV.

SjLo]Sjxj]¤ DºLWOÐ JfV oLãvOU WL¡cV AUYU SqXLoPsU RIy]RIy]RI mLË]Rj

Ar]p]\ÿ]q]ëU. WL¡cV AUYU WPaOfsLp] AUY}Wq]ÖÐRfRÍÐL¤, sn|oL¨]RÕŸ]ŸOç C¢xOr¢yV

BjOWPs|°¥ WL¡cV AUYU RIy]RIy]RI mLË]Rs KqO WL¡cV AUYoLp] AUYoLp] fOaqOWpOU

RIy]RIy]RI mLË]Rs WL¡cV A¨TºV jsæ q}f]p]sOU, kf]vLpOU j]s]j]¡¾OWpOU v}uV\WRtLÐOU

DºLWLf]q]ÖWpOU R\áOÐO IË]¤ oLNfU sn]ÖÐfLeV. WL¡cV AUYU k]RÐpOU

yÚf]ÖÐRfRÍÐL¤, C¢xOr¢yV RWæp]o]Rs fOW, RIy]RIy]RI mLË]R£ j]¡SÇwNkWLqU,

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RIy]RIy]RI mLËV JfV yop¾OU (Af]R£ kP¡e v]Sv\jLi]WLq¾]¤ oO¢WP¡ SjLŸ]yV

WPaLRf) CT C¢xOr¢yV BjOWOs|°¥ kOfOÖWSpL, fL¤¨Ls]WoLp] j]¡¾sLÖWSpL,

k]¢vs]ÖWSpL, rÇLÖWSpL R\SpÅ̈ LvOÐfOU, CT BjOWPs|°¥ fOaqOÐf]jV RIy]RIy]RI

mLË]jV pLRfLqO mLi|fLkqoLp WaopOU CsæL¾fOoLeV.

X. jìRÕŸ, SoLì]¨RÕŸ ARsæË]¤ hOqOkSpLYU R\áRÕŸ RNWc]ãV WL¡cOW¥

KqO WL¡cV jìRÕaOWSpL, SoLxeU SkLvOWSpL R\pÅL¤ WL¡cV AUYU j]¡mÿÌoLpOU A¾qU

jìRÕa¤/SoLxeU RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWpr]¤, 24 oe]¨Pr]jWU

Ar]p]\ÿ]q]ëU. AfV Da¢fRÐ RIy]RIy]RI mLËV Wðo¡ RWpr]¤ Ar]p]\ÿ]q]ëU. IË]sOU,

WL¡cV jxVaRÕŸfV SoLxeU WLqe¾LsLReË]¤, WL¡cV AUYU j]¡mÌoLpOU ASfÖr]\ÿV

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kW¡ÕV zL^qL¨L¢ Wu]SpºfOoLeV. RIy]RIy]RI mLËV of]pLp ASj~xeU ja¾]p SwxU

WL¡cV A¨TºV yRy×¢cV R\áOÐfOU, AfOoLp] mÌRÕŸOç IsæL yTWq|°tOU

AvyLj]Õ]ÖÐfOoLeV. WL¡cV AUY¾]jV DºLWOÐfLp JfV AyTWq|°¥ÖU mLËV

D¾qvLh]pLp]q]ÖÐfOosæ.

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WL¡cV AUY°¥ ojô]sL¨]p]q]S¨º vñOfpLeV. KqO WL¡cV AUYU, KqO WL¡cV jxVaRÕŸO, SWaOkã],

ARsæË]¤ SoLì]¨RÕŸO IÐV NkX|Lk]\ÿL¤, AfV k]Ð}aV jw]¨L¾ Avòp]¤ WºO W]Ÿ]pL¤SkLsOU

v}ºOU DkSpLY]¨L¢ kLa]sæ. A¾qU SWyOWt]¤ WL¡cV AUYU DaRjfRÐ WL¡cV jLsV Wxe°tLp]

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yOqƒ]ff~¾]jOç D¾qvLh]f~U WL¡cV AUY¾]jV Bp]q]ÖÐfOU, WL¡cV hOqOkSpLYU

R\áRÕaO¾OÐ]RsæÐV DrÕOvqO¾L¢ SvºfLp IsæL jaka]WtOU y~}Wq]S¨ºfOoLeV. WL¡cV AUYU

So¤v]vq]\ÿfLp jaka]W¥ y~}Wq]ÖÐf]¤ kqL^pRÕŸO IÐV RIy]RIy]RI mLËV j]¡¹p]¨L¢

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NkX|LkjU yUwpWqvOU BReË]¤, jxVaRÕŸ, SoLxVa]¨RÕŸ ARsæË]¤ jw]\ÿOSkLp WL¡c]R£

14

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15

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16

Rly]s]ã]¨Lp] WL¡cV AUYU RIy]RIy]RI mLË]¤ ASkƒ]ÖSÒL¥, CT Rly]s]ã]

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mLs¢yV NaL¢yVl¡ CakLaV RNkLyôV R\áOÐfLeV.

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AaSàº CIURI fOW Bp] oLrOÐfOU, pgLNWoU \ŸU VIsOU XXXIVsOU j]¡vÿ\]\ÿ]q]ÖÐ

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R\áRÕŸ oOX| mLs¢yV fOWpORa 5% kq]Ye]¨RÕaOÐfLeV.

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mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£rOoLp] mÌRÕŸV WL¡cV RoÒ¡ V̈ JfV yop¾OU Rly]s]ã]

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17

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We¨L¨RÕaOÐfLeV. ykæ]Ro£r] WL¡c]R£ DaopOU AfV j¤WL¢ Ai]WLqRÕaO¾OÐ RRNkor]

WL¡cV AUYvOU WPŸLpOU, RvSvÿRrpLpOU CT v|vòW¥ÖU j]mÌjW¥ÖU/keU Aav]jOU

mLÈ|òqLp]q]ÖÐfLeV. IË]sOU, ykæ]Ro£r] WL¡c]jV W}u]¤ vqOÐfLp IsæL \L¡²V

WOa]ê]WWtOU Aa\ÿO f}¡R¾ÐV DrÕV vqOS¾ºfLp D¾qvLh]¾U RRNkor] WL¡cV AUY¾]S£fLeV.

ykæ]Ro£r] WL¡c]SÓsOç yTWq|°¥, KqO NkSf|W yTWq|U IÐ j]sàV yopL yop°t]¤

RIy]RIy]RI mLËV j]¡¹p]ÖÐ l}yV/j]q¨]jV v]SipoLp]q]ÖU. ykæ]Ro£r] WL¡cV AUY¾]R£

AUYf~U fOaq¤ kq]kP¡¹oLpOU RRNkor] WL¡cV AUY¾]R£ AUYf~U fOaqOÐf]Rj

Bèp]\ÿ]q]ÖÐfLeV.

XIV. m]sæ]UYV

IsæL WL¡cV AUY°¥ÖU Nkf]oLy Aa]òLj¾]¤ WL¡cV DkSpLY¾L¤ vqO¾]p IsæL

\L¡²OW¥ÖU WPaLRf WL¡cV A¨Tº]jV mLiWoLp IsæL \L¡²OW¥ÖU m]¤ j¤WOÐfLeV.

WL¡cV AUY¾]jV SðãVRo£V ApàOÐfV RRvWLf]q]¨L¢ IsæL èo°tOU RIy]RIy]RI mLËV

ja¾OÐfLeV. IÐL¤ WOa]ê]W j]sv]s]sæL¾ WLsS¾LtvOU, oOÒR¾ oLyU WL¡cV A¨Tº]¤

CakLaOW¥ KÐOU CsæL¾SÕLuOU SðãVRo£V DfVÕLh]Õ]¨RÕaOÐfsæ.

RIy]RIy]RI mLËV WL¡cV AUY¾]jV oLNfU WLeL¢ yLi]ÖÐ q}f]p]¤ yOqƒ

DrÕOvqO¾]RWLºV SðãVRo£V KL¦RRs¢ Bp] sn|oL¨L¢ kq]èo]ÖÐfLeV. JfO WLqe°¥

RWLºLpLsOU SðãVRo£V W]ŸLRf vqOÐ yLz\q|¾]¤, Av ApàOÐ WLq|¾]¤ RIy]RIy]RI

mLË]R£ nLY¾V j]ÐOU RRvW¤ CsæLf]q]ÖÐO IË]¤, WL¡cV AUYU IsæL WOa]ê]WpORapOU RoL¾U

fOW keU AaSàºfLp f}pf]p]¤ fR£ RRWvwoOç \L¡²V yæ]ÕOWtORa SWLÕ]W¥ DkSpLY]\ÿV

We V̈ WPŸ]SpL ARsæË]¤ RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤

ARfÖr]\ÿV ASj~x]S\ÿL RIy]RIy]RI mLË]¤ AaSàºfLeV.

XV. W\ÿva¨LRq Aa]òLjoL¨]pOç C¢ð£V o¡\ÿ£V SmyVcV C¢ðL¥Ro£V SNkLNYLo]R£

v|vòW¥

""CIURI'' ARsæË]¤ ""CSW~ãcV oÍVs] C¢ðL¥Ro£V'' IÐf]R£ A¡ÀU Rly]s]ã]

DkSpLY]\ÿf]sPRa WL¡cV AUYU RIy]RIy]RI mLË]jV j¤WLjOç fOWpOU Af]R£ ks]wpOU KÕU/

ARsæË]¤ oãO \L¡²OWtOU D¥RÕRapOç fOWpORa KSq q}f]p]sOç yoLjoLp Nkf]oLy fveW¥

IÐLeV.

""C¢ð£V CIURI'' IÐfV WL¡cOkSpLY]\ÿV RIy]RIy]RI mLËV Cc]y] (CsWVSNaLe]WV cLãL

18

W|LkV\ÿ¡) Ra¡o]js]¤ ja¾RÕŸ CakLaOWtOU, KÕU/ARsæË]¤ AfOSkLRspOç KL¦RRs¢ CakLaOWtOU

WL¡cV AUY¾]R£ ASkƒ AjOyq]\ÿV CIURIp]Ss V̈ oLãOÐf]Rj Nkf]kLh]ÖÐO. NkWLqoLeV.

v|©]Yf WL¡cV AUY¾]jV, R\svu]¨RÕŸ \L¡²OWtORa fOW Da¢fRÐ AaàeRoÐOç WL¡cV

AUY¾]R£ mLÈ|fpORa oO¢v]i] WPaLRf, RNWc]ãV WL¡c]SÓ¤ C¢ð£V CIURI sn|oL¨L¢

RIy]RIy]RI mLË]jV Af]R£ kP¡¹ v]Sv\jLi]WLq¾L¤, AvWLwU DºLp]q]ÖÐfLeV.

C°]Rj R\áOSÒL¥ WL¡cV AUY¾]R£ kƒ¾Oj]ÐOU, Cf]SÓ¤ vÐOS\qOÐfLp \L¡²V

DaRjfRÐ AaàeRoÐOç mLÈ|fàV ShLxWqoLp q}f]p]¤ KÐOoOºLvqOfV. \]s NkSf|W

vL°sOW¥¨Lp] KSq q}f]p]sOç Nkf]oLy fveW¥ vu] (CIURIW¥) keoaàOÐf]jOç KLkVx¢

NkSpL^jRÕaO¾LjOç AvyqU WL¡cV AUYU S\Lh]S¨ºfLeV. CfV WL¡cV AUY¾]Rj

RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£¡ Ar]p]ÖÐfOU, WL¡cV AUY¾]jV

Ap\ÿORWLaOÖÐ SðãVRo£]¤ yP\]Õ]¨RÕaOÐfOoLeV. Av fLRu RWLaO¾]q]ÖÐ v|vòW¥ V̈

v]SipoLp]q]ÖU:

(i) Kq]¨¤ WL¡cV AUYU C¢ð£V CIURI vu] keoa¨LjOç KLkVx¢ y~}Wq]\ÿL¤, k]Ð}aOºLWOÐ

JfV oLã¾]jOU vL°s]R£ y~nLvojOyq]\ÿV, RIy]RIy]RI mLËV yopL yop°t]¤ j]ép]ÖÐ

KqO Nk}&SWæLx¡ \L¡²V mLiWoLWOÐfLeV;

(ii) m]¤ R\áRÕŸfOU WOa]ê]W BpfOoLp \L¡²OWtORa JRfË]sOU nLYU C¢ð£V CIURIW¥

NkWLqU AaÖvL¢ AjOvh]¨RÕaLf]q]ÖWpOU, A¾q¾]sOç nLYU keU AaSàºfLp f}pf]p]¤

AaàLRf vq]WpOU R\pÅL¤, Af]jOSo¤ ks]w, y¡vÿ}yV \L¡²V, SsãV SkRo£V \L¡²V IÐ]v, \ŸU VI¤ RWLaO¾]q]ÖÐ j]q¨]sOU q}f]p]sOU mLiWoLWOÐfLeV.

(iii) RNWc]ãV WL¡c]SÓ¤ C¢ð£V CIURI yTWq|U j]sv]¤ fLRu RWLaO¾]q]ÖÐ vL°sOW¥ V̈

sn|oLeV, AfLpfV,

(I) vLe]^| òLkj°t]¤j]ÐOç kOf]p vL°sOW¥;

(m]) RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]sPRa oLãU vqO¾RÕŸ vLe]^|

òLkj°t]¤j]ÐOç SjqR¾ ja¾]p vL°sOW¥;

(iv) WL¡cV AUY¾]jV C¢ð£V CIURI yTWq|U RIy]RIy]RI mLË]R£ kP¡¹

v]Sv\jLi]WLqNkWLqU sn|oLeV. CT yTWq|U fLRu RWLaO¾]q]ÖÐvàV sn|oLeV:

(I) RIy]RIy]RI mLËV j]ép]ÖÐ yopS¾ÖU vLe]^| òLkj°t]sOU;

(m]) C¢ð£V CIURIWtORa ks]w j]q V̈ KLSqL WL¡cV AUY¾]jOU W\ÿva¨LqjOU Svº]

RIy]RIy]RI mLËV NkSf|WU j]ép]ÖÐ fq¾]sLp]q]ÖU.

(y]) oO¢WP¡ AaSàº fOW, NaL¢yLƒ¢ l}yV fOW, C¢ð£V CIURIWtORa keoavV WLsU, oãV

keoavV v]vq°¥ IÐ]v KLSqL WL¡cV AUY¾]jOU W\ÿva¨LqjOU Svº] RIy]RIy]RI mLËV

NkSf|WU j]ép]ÖÐ fq¾]sLp]q]ÖU. C¢ð£V CIURI yTWq|U m]y]jôV WL¡cV, SWL¡ÕSrãV

WL¡cV, CIURI WL¡cV, ASoq]¨¢ IWõVNkôV WL¡cV IÐ]vàV sn|osæ.

XVI) KLSŸL Rcm]ãV Rly]s]ã]

WL¡cV AUY¾]jV WL¡cV WOa]ê]WW¥ AaÖÐf]ÐV KLSŸL Rcm]ãV yTWq|U

NkSpL^jRÕaO¾LvOÐfLeV. KLSŸL Rcm]ãV yTWq|U NkSpL^jRÕaO¾OSÒL¥ WL¡cV AUY¾]R£

mLËV A¨Tº]¤ (Af]R£ v]whLUw°¥ RIy]RIy]RI mLË]ÐV sn|oLS¨ºfLeV) So¤Õr´

fOW, WL¡cV AUY¾]jV Ap\ÿORWLaO¾ SðãVRo£]¤ yP\]Õ]ŸOç keU AaSàº f}pf]p]¤, Rcm]ãV

R\áOÐfLeV. IÐL¤, keU AaSàº f}pf] KqO NkvQ¾] (m]y]jôV) h]vyoLp]q]ëU,

AsæL¾kƒU, AaO¾ NkvQ¾] h]vy¾]¤ mLËV A¨Tº]¤ Rcm]ãV R\áOÐfLeV. keU AaSàº

f}pf]p]¤ So¤Õr´ mLËV A¨Tº]¤ of]pLp fOW CsæLRf vqOÐkƒU WL¡cV AUYU, WL¡cV

WOa]ê]WàO kOrSo mLiWoLp]ŸOç IsæL \L¡²OWtOU AaàL¢ mLÈ|òjLp]q]ÖU. WL¡cV AUYU

RIy]RIy]RI mLË]jV Rcm]ãV yTWq|U NkSpL^jRÕaO¾L¢ Svº] yo¡Õ]\ÿ v]whLUw°¥ IsæLU

wq]pOU kq]kP¡¹vOoLReÐV WL¡cV AUYU yÚf]ÖWpOU ò]q}Wq]ÖWpOU R\áOÐO. AkP¡¹SoL

RfãLpSfL Bp v]vq°¥ WLqe¾LSsL oRãRÍË]sOU WLqe¾LSsL KLSŸL Rcm]ãV CakLaV

RRvWOWSpL ARsæË]¤ ls¾]¤ vqO¾L¢ yLi]¨LRf vqOWSpL R\áOÐkƒU RIy]RIy]RI

19

mLËVV Af]jV mÈ|òoLp]q]ÖWp]sæ. Af]jO kOrSo, WL¡cV AUY¾]R£ mLË]Rj RIy]RIy]RI

mLË]R£ Skq]¤ Cx|O R\pÅ]ŸOç KLSŸLRcm]ãV j]¡SÇwR¾Ör]\ÿV Ar]p]ÖÐf]jOU, WPaLRf NkñOf

mLËV A¨TºV RIy]RIy]RI mLË]R£ oO¢WP¡ yÚfo]sæLRf SWæLôV R\áLf]q]ÖÐf]jOU WL¡cV

AUYU yÚf]ÖWpOU DaÒa] R\áOWpOU R\áOÐO. A¾qU j]¡Çw°¥ RIy]RIy]RI mLË]R£

SqXLoPsoOç yÚfU WPaLRf k]¢vs]¨L¢/rÇL¨L¢ yLi]ÖÐfsæ.

XVII. oa°]p Sko£OW¥

R\ V̈ ARsæË]¤ oSãRfË]sOU SkRo£V C¢yVNaRo£OW¥, ARsæË]¤ fR£ WL¡cV WOa]ê]WW¥

AaàOÐf]jLp] WL¡cV AUYU j¤W]p j]¡SÇwU oLj]¨RÕaOÐ]RsæË]¤, ARsæË]¤ AfV SNkLyôV

R\áL¢ Wu]pL¾f]jL¤ WL¡cV AUY¾]jV f]q]\ÿO RWLaOS¨ºfLp] vqOÐO IË]¤, WL¡cV

AUY¾]Rjf]Rq j]pojaka]W¥ BqUn]¨L¢ Dç AvWLwU RIy]RIy]RI mLË]jV

DºLp]q]ÖÐfOU, Af]R£ kP¡¹ v]Sv\Li]WLq NkWLqU l}yV CTaLÖÐfOU, KÕU/ARsæË]¤

fL¤¨Ls]WoLp]/ò]qoLp] WL¡cV rÇLÖÐfOoLeV. Af]jO kOrSo, R\ V̈ oa°]pf]R£ \L¡²OWtOU,

SsãV SkRo£V \L¡²OWtOU, RIy]RIy]RI mLËV j]ép]ÖÐ oãO \L¡²OWtOU j¤WL¢ WL¡cV

AUYU mLÈ|òjLp]q]ÖÐfOoLeV.

XVIII. f¡¨°¥

RIy]RIy]RI mLË]jV keU j¤WOÐf]jO Svº] sn]\ÿ JRfË]sOU \L¡²V yæ]ÕV, ARË]¤ keU

j¤WOÐf]jO Svº]pOç oãV ASkƒW¥, A¾q¾]sOç \L¡²V yæ]ÕOWt]¤ ARsæË]¤ oãV

ASkƒWt]¤ SqXRÕaO¾]p]ŸOç \L¡²V WL¡cV AUYU wq]ÖU vqO¾]pvpLeV IÐf]jOç

AÍ]ooLp Rft]vLp]q]ÖÐfLeV. AfRsæË]¤, RNWc]ãV WL¡cV jìRÕaOWSpL, SoLì]¨RÕaOWSpL,

vµjLkqoLp] hOqOkSpLYU R\áRÕaOWSpL R\áOWpOU, ASfÖr]\ÿV Cv]Ra oOWt]¤ \ŸU IX ¤

RWLaO¾]q]ÖÐ q}f]p]¤ Ar]p]ÖWpOU R\pÅ]q]ëU. AfV Rft]p]ÖÐf]jOç mLÈ|fpOU WL¡cV

AUY¾]S£fLp]q]ÖU. keU j¤WOÐf]jO Svº]pOç oãV ASkƒW¥ IÐV Cv]Ra

kqLo¡w]\ÿ]q]ÖÐf]¤ WL¡c]¤ AjOvh]\ÿ]ŸOç R\svOWtOoLp] mÌRÕŸV KqO WL¡cV Dao KqO

vLe]^| òLkj¾]¤ WL¡cV DkSpLY]\ÿV vqO¾]p]ŸOçfOU, KqO \L¡ V̂ Bp]

SqXRÕaO¾]p]Ÿ]sæL¾fOoLp IsæL R\svOWtOU D¥RÕaOÐO. A¾qU \L¡²V yæ]ÕOWt]¤ Dç WL¡cV

AUY¾]R£ WRáLÕOU Avp]¤ SqXRÕaO¾]p]ŸOç WL¡cV jÒqOU WL¡cV AUYU vqO¾]v\ÿ

mLÈ|fRp yUmÌ]\ÿ AÍ]ooLp Rft]vLp]q]ÖÐfLeV. RIy]RIy]RI mLË]R£ 24&oe]¨P¡

Wðo¡ RWp¡ Ry£¡/C¢l]j]ã] vu] yTWq|°¥ NkSpL^jRÕaO¾]p WLq|¾]¤, RIy]RIy]RI

mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£¡/C¢l]j]ã]p]Ss V̈ NkSvw]ÖÐf]jOç Ik]RII¢/

kLôVSv¡cV/pPy¡&RIc] IÐ]vpORa DkSpLYU WL¡cV AUYU CakLaO ja¾] IÐf]jOç

AÍ]ooLp Rft]vLp]q]ÖÐfLeV. WL¡cV AUY¾]jV ApL¥ vL°]p yLij°¥/Syvj°¥ wq]ÖU

sn]ÖWpOºLSpL IÐV DrÕO vqOS¾º Bvw|U RIy]RIy]RI mLË]j]sæ. SðãVRo£]¤

yP\]Õ]ŸOçfLp JRfË]sOU KqO \L¡²]R£ WLq|¾]¤ WL¡cV AUYU v]SpL^]ÖÐO IË]¤ AfV

SðãVRo£V sn]\ÿf]jO SwxU 60 (ArOkfV) h]vy°¥Öç]¤ RIy]RIy]RI mLË]Rj

Ar]p]\ÿ]q]S¨ºfOU Af]¤ v}uV\vqOÐ kƒU SðãVRo£]¤ yP\]Õ]ŸOç \L¡²OW¥ IsæLU

wq]pLp]ŸOçfLReÐV v|LX|Lj]¨RÕaOÐfOoLeV.

XIX. yOqƒ]ff~U

KqO RySW|¡cV RNWc]ãV WL¡c]R£ WLq|¾]¤, WL¡cV A¨Tº]Rs oOuOv¢ WOa]ê]W fOWpOU KÕU

WOa]ê]WpOç JRfË]sOU WL¡cV CakLaOWtOU KÕU ks]wpOU oRãsæL R\svOWtOU, Cv]Ra fLRu

kqLo¡w]\ÿ]ŸOç \L¡²OWtOU yz]fU ls¾]¤ vqO¾] IË]sOU WL¡cV AUYU RNWc]ãV WL¡cV

DkSpLY]\ÿ WLspstv]¤ Av WL¡cV A¨Tº]¤ \L¡²V R\áRÕŸ]Ÿ]sæ IË]¤, WL¡cV AUYR¾

kepRÕaO¾¤/A¾qU RyW|Pr]ã]WtORa kepU/ò]qj]Sƒk°¥/WL¡cV AUY¾]R£ oLNfU

Skq]sOçSfL, WPŸLSpL, oSãRfË]sOU v|©]SpLRaLÕSoL ARsæË]¤ oPÐLU Wƒ]pORa Skq]sOçSfL

Bp RyW|Pq]ã]WStL, RIy]RIy]RI mLËV j]¡SÇw]ÖÐ qPk¾]sOU q}f]p]sOU RIy]RIy]RI

mLËV AUY}Wq]\ÿfLp Bñ]W¥ oOSXj yOqƒ]foL¨RÕaOÐfLeV. WL¡cV AUYU RIy]RIy]RI

mLËV j]¡SÇw]ÖÐ qPk¾]sOU q}f]p]sOU RIy]RIy]RI mLË]jV fQkÅ]WqoLp v]i¾]sOU

A¾q¾]sOç IsæL SqXWtOU RyW|Pq]ã] DºL¨LjLp] jaÕLS¨ºfLeV. RyW|Pq]ã] DºLÖÐf]jOU

20

oRãsæL jaka]NWo°tOU kP¡¾]pLÖÐf]jOU Svº]vqOÐ R\svOW¥, ðLÒV c|PŸ] D¥RÕRapOçfOU

IÐL¤ Af]¤ oLNfU KfO°L¾OoLp, IsæLU WL¡cV AUYU vz]S¨ºfLeV.

XX. SwXqeU

WL¡cV AUY¾]R£ kP¡¹oLp AkLpyLÈ|fp]sOU R\sv]sOU, KSÐL Af]si]WSoL v|©](W¥)WRt

WL¡cV AUY¾]R£ WOa]ê]WW¥ SwXq]¨LjOU KÕU/ARsæË]¤ WL¡cV AUYU sn|oL¨]p JfV

RyW|Pq]ã]p]sOU jaÕ]sL¨LjOU Svº] RIy]RIy]RI mLËV \OofsRÕaO¾OÐfLeV. A¾q¾]sOç

v|©](W¥) V̈ RIy]RIy]RI mLËV (A¾q¾]sOç DSÇw°¥ V̈ Svº]) WL¡cV AUYvOoLp]

mÌRÕŸ v]vq°tOU vñOfWtOU WeÖWtOU RIy]RIy]RI mLË]jV D\]fRoÐV SfLÐOÐ

RyW|Pq]ã]pORa v]vq°tOU j¤W]Sp¨LU. WPaLRf, RIy]RIy]RI mLË]jV D\]fRoÐV SfLÐOÐ

IsæL NkvQ¾]WtOU, DaÒa]WtOU, AfOoLp] mÌRÕŸ v]xp°tOU WLq|°tOU, ARsæË]¤

pLhQé]WoLp]ŸOç WLq|°tOU R\áOÐf]jOU, jaÕ]sLÖÐf]jOU Svº AvWLwvOU Ai]WLqvOU

RIy]RIy]RI mLËV A¾qU v|©](W¥) V̈ j¤W]Sp¨LvOÐfOoLeV.

XXI. yLij°tORapOU Syvj°tORapOU YOeSoÓ

RIy]RIy]RI mLËV JRfË]sOU v]i¾]¤ yLij°¥, yLij°tORa vLr£], ARsæË]¤

vLe]^|òLkj°t]¤ j]ÐOU WL¡cV AUYU vL°]p ARsæË]¤ y~}Wq]\ÿ Syvj°¥ oOfsLpvSàL,

A¾qU Syvj°tORa Rcs]vr]p]¤ DºLWOÐ RRvW¤, Rcs]vr] j¤WLf]q]¨¤, yLij°¥

W]ŸLRf SkLW¤, fWqLrOç yLij°¥ WL¡cV AUY¾]jV sn]¨¤ oOfsLpv D¥RÕRapOç

WLq|°¥S¨L RIy]RIy]RI mLËV D¾qvLh]pLp]q]¨]sæ. RNWc]ãV WL¡cV WL¡cV AUY¾]jV

yLij°¥ vL°OÐf]SjL KÕU/ARsæË]¤ Syvj°¥ y~}Wq]ÖÐf]SjL oLNfoOç KqO

yTWq|oLReÐ vñOf NkSf|WU ojô]sL¨]p]q]S¨ºfLeV. yLiLj°tORa YOej]svLq¾]SjL,

Rcs]vr]S¨L, oRãRÍË]sOU WLq|°¥S¨L RIy]RIy]RI mLËV pLRfLqO vLrº]pOU j¤WOWSpL

NkLf]j]i|U vz]ÖWSpL R\áOÐ]sæ. yLiLj°Rt yUmÌ]\ÿ JfV f¡¨vOU WL¡cV AUYvOU

vLe]^| òLkjvOU fÚ]¤ kq]zq]S¨ºfLeV. AvWLwvLh°StL ARsæË]¤ f¡¨SoL j]sj]¤ÖÐO

IÐfV WL¡cV AUYR¾ RIy]RIy]RI mLË]jV RWLaO¨LjOç IsæL \L¡²OWtOU AaàOÐf]jOç

Waop]¤j]ÐOU oO©jLÖÐ]sæ. A¾qU \L¡²OW¥ WQf|oLp] AaàOvL¢ WL¡cV AUYU

yÚf]ÖWpOU R\áOÐO.

XXII. RNWc]ãV CakLaV

KqO vL°s]R£ Rcm]ãOU k]Ð}aOºLWOÐ yLij¾]R£/Syvj¾]R£ rÇV R\ás]jOç RNWc]ãOU qºV

v|f|ñ CakLaOWtLeV. WL¡cV AUYU yLijU vL°]p CakLa]jV AfV SðãVRo£]¤

WLeOÐfOSkLRsfRÐ j]¡mÿÌoLpOU keU AaSàºfV JRfË]sOU Ai]W \L¡²OW¥ \Oo¾OÐfV

Ku]vL¨L¢ Af|Lvw|oLeV. W|L¢y¤ R\áOSÒL¥ keU f]q]RW W]Ÿ]p fOW (W|L¢ySsx¢ \L¡²V

WOr\ÿf]jO SwxU) WL¡cV A¨Tº]¤ RNWc]ãV R\áOÐfV RIy]RIy]RI mLË]jV sn]ÖSÒL¥

oLNfoLp]q]ÖU.

IÐL¤, WL¡cV AUYU v]^pWqoLp] RNWc]ãV \L¡²V yæ]ÕV yo¡Õ]\ÿL¤, B fOW RNWc]ãV WL¡cV

A¨Tº]¤ S\¡ÖÐfLeV. j|LpoLp yop¾]jWU fOW RNWc]ãV WL¡cV A¨Tº]¤ S\¡¾]Ÿ]RsæË]¤

WL¡cV AUYU RIy]RIy]RI mLË]Rj v]vqU Ar]p]S¨ºfLeV.

XXIII. v]Shw qL^|°t]¤ DºLÖÐ \L¡²OW¥

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21

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DºLWOÐfLeV.

XXIV. RIy]RIy]RI mLËV RNWc]ãV WL¡c]R£ Nkf]ls°¥:

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KLl¡ R\áOÐO:

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· IWõVNkôV yVW}o]jOç]¤ ""IWõVNkôV r]vL¡cV SkLp]£OW¥'' yÚLj]¨RÕaOÐfLeV.

2) ""RI&o]£V yVW}U'' IÐL¤ A¡ÀU RIy]RIy]RI mLË]R£ RI&o]£OoLp] S\¡ÐOç r]vL¡cV

Ø}U IÐLeV.

· RI&o]£V yVW}o]jOç]¤ ""RI&o]£V r]vL¡cV SkLp]£OW¥'' yÚLj]¨RÕaOÐfLeV.

· ""RI&o]£V'' IÐfORWLºV Nkf]kLh]ÖÐfV SsLp¤ã] RyLs|Px¢yV B£V r]y¡\ÿV s]o]ãcV

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· ""RI&o]£V WL¡cV'' IÐL¤ I¤IyVB¡I¤ j]¡vÿ\]ÖÐ j]mÌjW¥ÖU v|vòW¥ÖU

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WL¡cV IÐV A¡ÀoLÖWpOU D¥RÕaOWpOU R\áOÐO.

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KqO v|©] IÐLeV.

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RI&o]£]¤ q^]ð¡ R\áOÐ f}pf] oOf¤ oLNfoLp]q]ÖU.

22

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RIy]RIy]RI mLËV Af]R£ kP¡¹oLp v]Sv\jLi]WLq NkWLqU AvyLj]Õ]ÖÐ f}pf]

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· ""vLs]cV \L¡²V'' IÐf]R£ A¡ÀU WL¡cV AUYU yLij°StL Syvj°StL WL¡cV vu]

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· RIy]RIy]RI mLËV KLl¡ R\áOÐ JRfË]sOU RNkLSoLxe¤ yVW}o]R£ WLsptv]¤ WL¡c]R£

DkSpLYU k]¢vs]¨RÕaOWSpL, W|L¢y¤ R\áRÕaOWSpL, W|L¢y¤ R\áRÕaL¢

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Af]jO SwxvOU RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ RNWc]ãV WL¡cV DçvqOoLp WL¡cV

AUY°¥ V̈ oLNfU sn]ÖÐfOoLeV.

· IWõVNkôV yVW}o]jO W}u]¤, RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ RNWc]ãV WL¡c]¤ WL¡cV

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· yopL yop°t]¤ RIy]RIy]RI mLËV j¤WOÐ r]cUkVx¢ KLl¡ NkWLqU WL¡cV AUY¾]jV

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· IWõVNkôV r]vL¡cV SkLp]£OW¥ r]c}U R\pÅOWu]pOSÒL¥ A°]Rj r]c}U R\pÅfLp r]vL¡cV

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Rcm]ãV R\áRÕaOWSpL R\áOÐfLeV.

· yVW}U AvyLj]ÖÐ f}pf]Ö oOÒV JRfË]sOU yop¾V WL¡c]R£ DkSpLYU

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· A°Rj rÇL¨RÕŸ IWõVNkôV r]vL¡cV SkLp]£OW¥ WL¡cV AUYU RIy]RIy]RI mLË]sOç

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· CT SNkLNYLU IsæL RNWc]ãV WL¡cOW¥ÖU 3 v¡xR¾ vLs]c]ã]pOç SkLp]£OWStLaO WPa]p KqO

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10 RopV 2013jV CsæLRfpLWOÐfLeV.

23

· yVW}U AvyLj]ÖÐ f}pf]pORa KaOv]¤, WL¡cV AUY¾]R£ RNWc]ã]¤ j]¤ÖÐ IWõVNkôV

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· Cv]Ra v]vq]\ÿ]ŸOç IWõVNkôV yVW}o]R£ j]mÌjW¥ÖU v|vòW¥ÖU kOrSo,

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AUY°¥ V̈ oLNfU sn]ÖÐfOoLeV.

· RI&o]£V yVW}o]jO W}u]¤, RIy]RIy]RI mLË]R£ RfqRáO¨RÕŸ RNWc]ãV WL¡c]¤ WL¡cV

AUYU ja¾OÐ yLiOfpOç \L¡²OW¥ V̈ RIy]RIy]RI mLËV RI&o]£V r]vL¡cV SkLp]£OW¥

yÚLj]ÖÐfLeV.

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· WL¡cV AUY°¥ V̈ AvqORa RI&o]£V r]vL¡cV SkLp]£OW¥, Av¡ KqO RI&o]£V AUYoLp]

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WL¡cV AUY°¥ V̈ RI&o]£V RvmVRRyãLp ''www.imintpoints.com'' yÎ¡w]¨LvOÐfLeV.

· RI&o]£V r]vL¡cV SkLp]£OW¥ r]c}U R\pÅOWu]pOSÒL¥ A°]Rj r]c}U R\pÅfLp r]vL¡cV

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· A°Rj rÇL¨RÕŸ RI&o]£V r]vL¡cV SkLp]£OW¥ WL¡cV AUYU RIy]RIy]RI mLË]sOç

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CsæL¾fOU BWOÐO.

24

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AUYU yLiLqe j]sp]sOç DkSpLY¾L¤ vqO¾OÐ \]svOW¥ÖU D¾qvLh]pLÖWp]sæ.

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AvyLj]Õ]ÖWSpL/rÇV R\áOWSpL, ARsæË]¤ mÌRÕŸ yVW}U AvyLj]Õ]¨RÕaOWSpL/rÇV

R\áRÕaOWSpL R\áOÐkƒU, WL¡cV AUYU Sja]p IsæL r]vL¡cV SkLp]£OWtOU

AyLiOvLÖÐf]jOç AvWLwU RIy]RIy]RI mLËV RRWvwU vàOÐO.

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vqO¾¤ IÐ]vàOU, CT yVW}oOWStL, yopL yop°t]¤ RIy]RIy]RI mLËV

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kP¡¹oLp AvWLwU RIy]RIy]RI mLËV RRWvwU vàOÐO.

XXV. Rvt]RÕaO¾sOW¥

WL¡cV AUYU RIy]RIy]RI mLË]jOU, Af]R£ NYPÕV WÒj]W¥ÖU DrÕV j¤WOWpOU

Ai]WLqRÕaO¾OWpOU R\áOÐfV, ASÇz¾]R£/AvqORa ASkƒpOoLp] mÌRÕŸOç IsæL

v]vq°tOU, cLãpOU ARsæË]¤ SqXWtOU oãV RIy]RIy]RI NYPÕV WÒj]W¥/mLËOW¥/ijWLq|

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ASfLr]ã]W¥ Ry¢Na¤ C¢l¡Sox¢ m|PSrLW¥, RIy]RIy]RI mLËV/Af]R£ NYPÕV WÒj]W¥

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j¤WOÐv¡ÖU/A¾qU v|©]WtOoLp] q^]ð¡ R\áRÕŸvqOU CT v]vq°tORa DkSpLY¾]R£

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AUYU keoaàOÐf]Rs ARsæË]¤ yLÒ¾]W yzLp¾]R£ Nk]¢y]Õ¤ fOW f]q]\ÿaàOÐf]SsL/

25

yTWq|°¥/RNWc]ãV yTWq|°¥ ARsæË]¤ ks]w/WOa]ê]WpLp \L¡²OW¥ IÐ]v AaàOÐf]SsL

v}uV\ vqO¾]pL¤, RIy]RIy]RI mLËV KÕU/ARsæË]¤ B¡m]RI IÐ]vàV v}uV\ vqO¾]p

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WPaLRf A¾qU oLi|o°t]sORapOU RIy]RIy]RI mLËV KÕU/ARsæË]¤ B¡m]RI, AvqORa

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Nky]È}Wq]ÖWSpL R\áOÐfLeV. RIy]RIy]RI mLËV WL¡cV AUY¾]R£ vLpVkL \q]NfU/

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(B¡.m].RI NkSf|WU Ai]WLqRÕaO¾]) SðãVRo£VWt]sPRa Rvt]RÕaO¾OÐfLeV.

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ASÇz¾]R£/AvqORa WOaOUmLUY°tORa vLpVkL v]w~Ly|f yUmÌ]\ÿOç) Aa]òLj¾]¤ 15

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AUY¾]jV Rvt]RÕaO¾]R¨LaO¨L¢ mLÈ|òoLp]q]¨]sæ.

XXVI. WaU I¤Õ]\ÿORWLaO¨¤

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S\Sáºf]sæ. A¾q¾]sOç v]¤Õj, J¤Õ]¨¤ ARsæË]¤ RRWoLãU IÐ]v faôoLWLRf WL¡cV

AUY¾]Rjf]Rq jaka]W¥ y~}Wq]¨L¢ RIy]RIy]RI mLË]jV kP¡¹oLp Ai]WLqoOºV. A¾qU

J¤Õ]¨¤, v]¤Õj ARsæË]¤ RRWoLãU IÐ]vpLsOç IsæL R\svOW¥ÖU KÕU WOa]ê]WWtORa

f]q]\ÿOk]a]¨s]jOç R\svOW¥ÖU WL¡cV AUYU mLÈ|òjLp]q]ÖÐfLeV.

XXVII. ksvW

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NkSf|W yTWq|°¥, AUYf~U, Syvj°¥ IÐ]v AjOSpL^|RoÐV f°¥ V̈ SfLÐOÐ q}f]p]sOç

l}yOWtOU v|vòWtOU j]mÌjWtOU yz]fU KLl¡ R\áLjOtt AvWLwU RIy]RIy]RI mLËV

j]sj]¡¾OÐOºV. WL¡cV AUYR¾ oO¢WPŸ] Ar]p]¨LRfpOU mLÈ|f WPaLRfpOU JfO yop¾OU

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RIy]RIy]RI mLËV j]sj]¡¾OÐOºV. v|vòWtOSapOU j]mÌjWtOSapOU sUZj¾L¤

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Nkv¡¾]¨Lf]q]¨¤ IÐ]vàOU RIy]RIy]RI mLË]jV mLÈ|f DºLp]q]¨]sæ. WL¡cV AUYU fR£

ASkƒSpLRaLÕU sn|oL¨]p v]vq°¥ WPaLRf y¡SvÿWt]sPRa Dçv, mLz| SNyLfôOWt]¤

j]ÐOç v]vq°¥, RIy]RIy]RI mLËV/AjOmÌ òLkj°¥ IÐ]v oL¡¨ã]UYV

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AvWLwU RIy]RIy]RI mLËV j]sj]¡¾OÐOºV. RIy]RIy]RI mLËV CT v]vq°¥ Rop]s]UYV

s]ðV v]Wy]Õ]¨L¢ DkSpLY]S\ÿ̈ LvOÐfOU CfV RIy]RIy]RI mLËV, WL¡cV AUY°¥ V̈

j¤WOÐ oL¡¨ã]UYV KLlrOW¥ v]Wy]Õ]ÖÐf]¤ RIy]RIy]RI mLËOoLp] S\¡ÐV

26

Nkv¡¾]ÖÐ WÒj]W¥ V̈ DkSpLY]¨LjLpOU DkSpLY]¨LvOÐfLeV. WL¡c]SÓ¤ KLl¡

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j¤WL¾kƒU, A¾qU kOfO¨sOW¥/oLã°¥ WL¡cV AUY¾]jV mLiWoLp]q]ÖU.

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v]sp]qO¾OÐ DSÇw|°¥¨LpOç oãV J^¢y]W¥ KÕU/ARsæË]¤ ASÇz¾]R£ WOaOmLUY°¥

IÐ]vqOoLpOU, fŸ]ÕOW¥ fapOÐf]jO Svº]pOU kËOvS\ÿ̈ LvOÐfLeV. RyãV KLlV R\áOÐf]jOç

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R\áOÐfOU AfV WL¡cV AUYU, RIy]RIy]RI mLË]SsL WPaLRf Af]R£ NYPÕV WÒj]Wt]SsL

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A¨Tº](A¨TºOW¥)Rs keU RyãV KLSlL, NaL¢yVlSrL R\pÅVV RIy]RIy]RI mLË]SsÖç

WL¡cV AUY¾]R£ mLÈ|f f}¡ÖÐfLeV.

WL¡c]jOSvº] j¤W]p ASkƒp]¤ RWLaO¾]ŸOçfLp ASÇz¾]R£ SkqV, v]sLyU, mÌRÕSaº

jÒ¡, C&Rop]¤ RIc] IÐ]vp]¤ JfV oLã°¥ DºLpLsOU ASÕL¥ fRÐ WL¡cV AUYU,

RIy]RIy]RI mLË]Rj Ar]p]S¨ºfLeV. RIy]RIy]RI mLËV Af]R£ SqXWt]¤ Dtt

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AvWLwU j]sj]¡¾OÐOºV. wq]pLp v]sLyU, RIy]RIy]RI mLË]Rj Ar]p]\ÿ]ŸORºÐV DrÕO

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CsWVSNaLe] V̈ cLãL C£¡S\µV, SWL¥ Ry£rOW¥, Ras]y¡vÿ}yV KLÕSrxjOW¥ (wmVhU, v}c]SpL,

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Rox}¢yV RjãVv¡ V̈ ARsæË]¤ oãV vL¡¾Lv]j]op oL¡«°t]sPRa RIy]RIy]RI mLSËL ARsæË]¤

Af]R£ AjOmÌ°StL A¾qU yTWq|°StL/Syvj°StL NkhLjU R\áOÐf]jO Svº]

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CakLaOWtOU j]pokqoLp] mLÈ|fpOçfOU WPaLRf NkLms|oOçfOoLp CakLaOWtOoLp] oLrOÐfV

A¾qU yTWq|°¥ V̈/Syvj°¥ V̈ RIy]RIy]RI mLËOU ARsæË]¤ Af]R£ AjOmÌ°tOU

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Dr\ÿOj]ÐOU R\áOSÒL¥ BeV.

XXVIII RyãV&KLlV

(i) RIy]RIy]RI mLË]jOU Af]R£ NYPÕV WÒj]W¥ÖU RyãV-KLl]jOU WPaLRf mLÈ|fàV

kWqoLp]ŸOçf]jOU Svº kqoLi]WLq AvWLwU DºV. JfV fq¾]sOçfOU, y~nL¾]sOçfOU

(ò]qj]Sƒk°tO¥RÕRa) Bp j]Sƒk°tORa So¤ oãV kWqU mLÈ|fWStL, \L¡²OWStL DSºL

IÐfV WLq|oL¨LRfpOU Av CSÕLuR¾SpL, nLv]p]RsSfL IÐfOU We¨L¨LRf k]a]\ÿOv\ÿSfL/

oSãRfË]sOU A¨Tº](A¨TºOW¥)¤ mL¨] W]aÖÐfV, WL¡cV AUYU, RIy]RIy]RI mLËV

ARsæË]¤ Af]R£ NYPÕV WÒj]W¥, IÐ]vp]¤ yUqƒ]ÖÐfLpvp]sOU, Av Kã Skq]SsL WPŸLp

Skq](SkqOW¥)SsL BReË]sOU, WPaLRf JfV ke¾]SÓsOU, RyW|Pq]ã]Wt]SÓsOU, SmLºOW¥, oRãsæL

Bñ]W¥, SqXWtOU y~¾O¨tOU RIy]RIy]RI mLSËL KÕU/ARsæË]¤ Af]R£ NYPÕV WÒj]WSpL

(RyW|Pq]ã]W¥ vu]SpL AsæL¾kƒU WL¡cV AUYU J¡RÕŸSfL/J¡RÕaL¢ SkLWOÐSfL Bp

JRfË]sOU WqLr]Rj fOa¡ÐOttfV JfV j]sÖU), k]a]\ÿOv\ÿ]ŸOçSfL/AvpORa j]pNÍe¾]¢

W}u]sOçSfL Bpv, WL¡cV AUY¾]R£ WL¡cV A¨Tº]jV W}u]sOç mLÈ|fWtORa f}¡Õ]Ss¨Lp]

DkSpLY]ÖÐfLeV. RIy]RIy]RI mLËOU Af]R£ NYPÕV WÒj]WtOU WL¡cV AUY¾]jV SjLŸ}yV

27

RWLaO¨LRf WL¡cV AUY¾]R£fLp WamLÈ|f, AfV IRÍLR¨pLpLsOU RIy]RIy]RI

mLËOoLpOU KÕU/ARsæË]¤ Af]R£ NYPÕV WÒj]WtOoLpOU (wq]ÖçSfL, vqLvOÐSfL ARsæË]¤

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fqRÕaO¾], JRfË]sOU j]SƒkU (j]Sƒk°¥) RyãV KLlV R\pÅV, KÕU/ARsæË]¤ WL¡cV AUYU

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A¨Tº](A¨TºOW¥)¤ W]aÖÐ mL¨] keU NaL¢yVl¡ R\áLjOU Af]jV B

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mLÈ|fpOoLp]q]ÖU.

(ii) So¤ kqLo¡w]\ÿ AvWLw¾]jO kOrSo ARsæË]¤ oãV JfV AvWLw°¥ÖU RIy]RIy]RI

mLËOU WPaLRf Af]R£ NYPÕV WÒj]WtOU j]po Nkv¡¾j¾LSsL, WqLr]jLSsL or]S\ÿL JfV

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JW}Wq]¨LSjL; m]) RIy]RIy]RI mLËV RRWvwU v\ÿ]q]ÖÐfLp WL¡cV AUY¾]R£

RyW|Pq]ã]WtOU ARsæË]¤ y~¾OÖtU v]¤¨LSjL AsæL¾kƒU Ku]vL¨LSjL, AfV

RkLfOv]¤ÕjSpL, y~WLq|v]¤ÕjSpL vu] ja¾LSjL, AsæL¾kƒU j}f]j|Lp jaka]NWo°¥ KÐOU

J¡RÕaO¾LRfpOU v]¤Õjp]¤ j]ÐV sn]ÖÐ vqOoLjU, RoL¾U WOa]ê]W RIy]RIy]RI

mLË]jOU, Af]R£ NYPÕV WÒj]W¥ÖU W]ŸLjOçf]Ss V̈ vqvV vàOÐf]jOU, WPaLRf A¾qU v]¤Õj,

Ku]vL¨¤ IÐ]vp]SsàV vÐfLp R\svOW¥ WPa] IaOÖÐf]jOU; y]) SNWLyV Wr¢y]Wt]Rs

RyãV&KLlV vqOÐ kƒU, KqO Wr¢y]p]¤ j]ÐOç mLÈ|f oRãLqO Wr¢y]p]Rs mLÈ|fp]Ss V̈

oLãOSÒL¥ AfV RIy]RIy]RI mLË]R£pOU Af]R£ NYPÕV WÒj]WtORapOU kq]kP¡¹oLp

v]Sv\jLi]WLq¾L¤ j]¡¹p]ÖÐ j]q¨]¤ Bp]q]ÖÐfLeV.

XXIX. RIAx~¡ y¡vÿ}yV

""RIAx~¡ y¡vÿ}yV'' IÐfV vq]¨LqLWOÐf]R£ Aa]òLj¾]sOç y¡vÿ}yV BeV. Cf]¤

RIy]RIy]RI mLËV, RfqRáO¨RÕŸ WL¡cV AUY°¥ V̈ KqO SkRo£V SzLt]Sc KLl¡

R\áOÐOºV. AfLpfV WL¡c]¤ m]¤ R\pÅfLp fOW AaàOÐf]jV RIy]RIy]RI mLËV WL¡cV

AUY¾]Rj Ar]p]ÖÐ \]s NkSf|W oO¢WP¡ j]¡vÿ\]foLp yLz\q|°t]¤, 75 h]vy°tORa KqO

Ai]W ks]w qz]f WLsptvV j¤WOÐO.

""RIAx~¡ ymVyVNW]kVx¢ W]ãV'' IÐf]R£ A¡ÀU RIAx~¡ y¡vÿ}y]R£ Nky©oLp kP¡¹

v]vq°¥ sn|oL¨]R¨LºV WL¡cV AUY¾]jV Ap\ÿ Ar]p]ÕV IÐLeV. WL¡cV AUYU RIAx~¡

y¡vÿ}y]Ss V̈ S\¡¨RÕŸ SwxoLeV CfV ApàOW. RIy]RIy]RI mLËV WL¡cV AUY°¥ V̈

Avq]¤ RIy]RIy]RI mLË]R£ RNWc]ãV jp¾]jjOyq]\ÿV A¨TºV jÐLp] yPƒ]\ÿv¡ V̈, \]s

NkSf|W yTWq|°¥ j¤WLjOç KLl¡ j¤WOÐf]jOç AvWLwU j]sj]¡¾OÐSfLRaLÕU, Af]R£

kP¡¹ v]Sv\jLi]WLq NkWLqU A¾qU WL¡cV AUY°¥ V̈ AvqORa yLÒ¾]WoLp NkpLy

WLsZŸ°t]¤, RIAx~¡ ymVyVNW]kVx¢ W]ã]¤ NkSf|WU v|©oL¨]p \]s yLz\q|°t]¤ BeV

CT KLl¡ j¤WOÐfV. RIy]RIy]RI mLËV RIAx~¡ y¡vÿ}yV KLl¡ R\áRÕŸvRq AvqORa

m]sæ]UYV v]sLy¾]¤ Ar]p]S\ÿL, ARsæË]¤ AvqORa r^]ð¡ R\áRÕŸ SlL¦ jÒr]¤ v]t]S\ÿL,

ARsæË]¤ RIy]RIy]RI mLËV Af]jV D\]fRoÐO SfLÐOÐ v]i¾]SsL WL¡cV AUYR¾ v]vqU

Ar]p]ÖÐfLeV. CSfÖr]\ÿV v]vqU Ar]p]\ÿSwxU RIAx~¡ y¡vÿ}yV NkSpL^jRÕaO¾OÐf]jLp]

WL¡cV AUYU ASÇzR¾ v]vqor]p]\ÿ q}f]p]¤ I¢SrL¥ R\áOÐf]jLp] RIy]RIy]RI mLË]¤

q^]ð¡ R\SáºfLeV. I¢SrL¥ R\áRÕŸSwxU KqO RIAx~¡ y¡vÿ}yV W]ãV WL¡cV AUY¾]R£

m]sæ]UYV v]sLy¾]¤ Ap\ÿO RWLaOÖÐfLeV. I¢SrL¥Ro£V Wu] V́ 20 (CqOkfV) h]vy°¥¨WU

WL¡cV AUY¾]jV RIAx~¡ y¡vÿ}yV W]ãV sn]\ÿ]Ÿ]RsæË]¤ WL¡cV AUYU CT v]vqU RIy]RIy]RI

mLË]R£ 24 oe]¨P¡ Wðo¡ RWp¡ y¡vÿ}yV Ry£r]¤ Ar]p]S¨ºfOU Af]¤ v}uV\vqOÐkƒo

RIAx~¡ y¡vÿ}yV vq]¨Lq¢ IÐ òLjU CsæLfLWOÐfOU Bp]q]ÖU.

28

RIAx~¡ y¡vÿ}y]jO W}u]Rs SkRo£V SzLt]Sc BW›]SvãV R\áOÐf]jLp] WL¡cV AUYU

j]¡mÿÌoLpOU RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ Ry£r]¤ 30 h]vy¾]jWU

NkSf|WU Nkf]kLh]\ÿ]ŸOçvp]¤ D¥RÕaOÐfOU yUnv]\ÿ]fOoLp JRfË]sOU yLz\q|°¥

Ar]p]S¨ºfLeV. IÐL¤, Af]jV WL¡cV A¨TºV c]s]¢W~£V Bp]q]¨L¢ kLa]sæL¾fOU

BW›]SvxjV ASkƒ]ÖÐ yop¾V v}uV\WRtLÐOU yUnv]\ÿ]ŸOºLp]q]¨L¢ kLa]sæL¾fOoLeV.

WL¡cV AUY¾]jV SkRo£V SzLt]Sc NkSpL^jRÕaO¾L¢ A¡zf sn]ÖÐfV RoL¾U kevOU Aa\ÿ

fOa¡\ÿpLp oPÐV oLy°¥ V̈ SwxvOU, RIAx~¡ ymVNØ]kVx¢ W]ã]¤ Nkf]kLh]\ÿ NkSf|W

yUnv°t]Rs JRfË]sOU KqO yUnvU DºLWOSÒLuOU, B yUnvvOU Af]R£ fOWpOU WL¡cV AUYR¾

Ar]p]\ÿfOSkLRs fRÐ Bp]q]ÖSÒLuOU BeV. A¾qU WLsptvV kOf]p AUY°tORa WLq|¾]¤ BrV

oLyU Bp]q]ÖU. KqO yop¾V NkSf|WU v|©oL¨]p yUnv°t]Rs JRfË]sOU KRq¹U jaÐfOoLp]

mÌRÕŸO oLNfSo RI&Ix~¡ y¡vÿ}yV NkSpL^jRÕaO¾L¢ yLi]ÖWpOçP. WL¡cV AUY¾]jV

RIAx~¡ y¡vÿ}yV NkSpL^jRÕaO¾LjOç SpLY|f kqoLvi] 50,000 qPkL vRqpLeV. AfLpfV

v|©oL¨RÕŸ yUnvU jaÖÐfLp f}pf]p]¤ DºLp]qOÐ RoL¾U AaSàº fOW kqoLvi]

AÒf]jLp]qU qPkL vRq oLNfU Bp]q]ëU. IÐL¤, yUnvU jaÐ f}pf]ÖU, RIAx~¡ y¡vÿ}yV

BW›}Svx¢ ASkƒ j¤W]p f}pf]ÖU (qºV h]vy°tOU D¥RÕRa) Cap]Rs WLsptv]¤ WL¡cV

AUYU Ai]WoLp] R\svu]\ÿ fOW, RIAx~¡ y¡vÿ}y]jV W}u]Rs SkRo£V SzLt]Sc BW›]SvãV

R\áRÕaOÐf]jO RfLŸO oOÒV, DaRj AaSàº fOWpLp] oLrOÐfLeV.

I¢SrL¥Ro£]jV SwxU WL¡cV AUYU RIAx~¡ y¡vÿ}y]R£ l}yOW¥¨Lp] Nkf]oLy Aa]òLj¾]¤

m]¤ R\áORÕaOÐfOU AfV SðãVRo£]sPRa Ar]p]ÖÐfOoLeV. vq]¨LqjLp]q]ÖÐ WLs¾V WL¡cV

AUY¾]jV JfO yop¾OU RIy]RIy]RI mLË]R£ 24&oe]¨P¡ Wðo¡ RWp¡ y¡vÿ}yV Ry£r]¤

v]t]\ÿV vq]¨LqjsæLfL¨L¢ Svº] Bvw|RÕaLvOÐfLeV. IÐL¤ A¾qU vq]¨LqjsæLfL¨sOU

l}yV fOaqLf]q]ÖÐfOU NkLms|¾]sLWOÐfV, CSÕLuR¾SpL k]Ð}aOç oLyR¾SpL 15&LU h]vyU

^jSrãV R\áOÐ SðãVRo£]¤, Cf]¤ SjqR¾pOçfV JfLSeL, B yop¾Lp]q]ÖU. WL¡cV AUYU

yo¡Õ]S¨º Bvw|oOçfOU RIAx~¡ y¡vÿ}y]R£ BW›]SvxjO Svº]pfOoLp SqXW¥

JRfLR¨RpÐV RIAx~¡ ymNØ]kVx¢ W]ã]¤ Ar]p]ÖÐfLeV. RIAx~¡ y¡vÿ}yV BW›]SvãV

R\pÅf]jOSwxU WL¡c]R£ DkSpLYU/ WL¡cV A¨TºyopS¾ V̈ vRqpOU Bp]q]ÖU. RIAx~¡

y¡vÿ}yV RWLaO¾ WLsptvV AvyLj]ÖSÒL¥ WL¡cV AUYU oOuOv¢ WOa]ê]W yUX|pOU DaRjfRÐ

AaSàºfLeV. WL¡cV AUYU Af]¤ v}uV\ vqO¾]pL¤ WOa]ê]W fOW V̈ RIAx~¡ y¡vÿ}y]R£ RoL¾U

WLsptv]SsÖç ks]w CTaLÖÐfLeV. RIy]RIy]RI mLËV Af]R£ y~ÍU

v]Sv\jLi]WLq¾L¤ ymVNØ]kVx¤ fOaqOÐf]SsÖç l}yV kOj¡\]ŸRÕaO¾L¢

f}qOoLj]S\ÿ̈ LvOÐfOU, AfRsæË]¤ RIAx~¡ y¡vÿ}yV WL¡cV AUY¾]jV j¤WLf]q]¨L¢ k]Ð}aV

f}qOoLj]S\ÿ̈ LvOÐfOU, B v]vqU WL¡cV AUY¾]S£fLp] RIy]RIy]RI mLËV SqXWt]sOç

m]sæ]UYV v]sLy¾]¤ Ar]p]ÖÐfOoLeV.

XXX. f¡Ü K¾Of}¡ÕL¨¤

IsæL f¡¨°tOU oOURRmp]¤ oLNfoOç Ai]WLqRÕŸ SWLaf]WtORa Ai]WLq kq]i] V̈

v]SipoLp]q]ÖU.

XXXI. CT v|vòWtOU j]mÌjWtOU oLã¤

RIy]RIy]RI mLË]jV JfO v|vòWtOU j]mÌjWtOU, WPaLRf WL¡c]SÓ¤ KLl¡

R\pÅ]ŸOçvp]¤ Cj]ÕrpOÐv D¥RÕRapOçfOU, IÐL¤ Av oLNfoLp] kq]o]fRÕaL¾fOoLp,

yv]SwxfWtOU BjOWPs|°tOU, j]sv]sOç mLs¢yOWRt mLi]ÖÐ oLã°¥, ks]w \L¡²OW¥

ARsæË]¤ j]qÖW¥U, JfO yop¾OoOç WeÖWPŸ¤ q}f]W¥ oOfLspv SnhYf] R\áOÐf]SjL

ykæ]Ro£V R\áOÐf]SjL kq]kP¡¹ v]Sv\jLi]WLqU DºLp]q]ÖÐLeV. R\svu]\ÿ IsæL

\L¡²OW¥ÖU WPaLRf kOfO¨]p CT v|vòW¥ÖU j]mÌjW¥ÖU W}u]Rs IsæL WaoW¥ÖU

WL¡c]jO W}u]Rs fOWW¥ oOuOv¢ f]q]\ÿaàOÐfO vRq WL¡cV AUYU mLÈ|òjLp]q]ÖÐfLeV.

SnhYf] R\pÅ v|vòW¥ C¢l]j]ã]p]¤ SzLðV R\pÅOU ARsæË]¤ RIy]RIy]RI mLËV

f}qOoLj]ÖÐfLp oãO v]i¾]sOU Ar]p]ÖÐfLeV. CT v|vòWtOU j]mÌjWtOU kf]vLp]

kOj:kq]SwLi]ÖÐf]jOU WPaLRf Af]sO¥RÕŸ SnhYf]WtOU Av C¢l]j]ã]p]¤ WLe]\ÿ]q]ÖÐ

j]sp]¤ SnhYf] R\áRÕŸ v|vòWtOU j]mÌjWtOU y~}Wq]\ÿ]q]ÖÐfLp] WqOfRÕaOÐf]jO

WLqeU, WL¡cV fOa¡ÐOU DkSpLY]ÖÐO IÐf]jLsLeV. v|vòWt]sOU j]mÌjWt]sOU DºLWOÐ

29

JfV oLã°tOU (ks]w \L¡²OWtOU j]qÖWtOU AsæLRfpOç) oO¢kr´ v]i¾]¤, Av

jaÕ]sLÖÐ f}pf] V̈ KqOoLyU oO¢kV, WL¡cV AUYR¾ Ar]p]ÖÐfLeV.

XXXII. SjLŸ}yOW¥

CT v|vòWtORapOU, j]mÌjWtORapOU W}u]sOçvSpL CvpOoLp] mÌRÕŸOçvSpL Bp IsæL

SjLŸ}yOWtOU oãV Ar]p]ÕOWtOU, WL¡cV AUY¾]¤ j]ÐOU WOa]ê]W Bp]ŸOç fOW D¥RÕRa IsæL

fOWpOU SqXLoPsU, RIy]RIy]RI mLËV s]o]ãcV, RIy]RIy]RI mLËV SlL¦ mLË]UYV Ry£¡,

RIy]RIy]RI mLËV av¡, 7&LU j]s, y¡Svÿ jÒ¡ 115/27, SkæLŸV jÒ¡ 12, jjNWLUYOc,

Ryq]s]UYUkç], RRzhqLmLhV & 500 032, CÍ| IÐ v]sLy¾]¤, or]\ÿV NkyVfLv]Ÿ]RsæË]¤,

W¾]sPRaSpL ARsæË]¤ lLWõLSpL j¤SWºfLeV. A¾q¾]sOç JfV SjLŸ}yOU oãV Ar]p]ÕOWtOU

NkLms|oOçvpLp] We¨LÖÐfLeV:

(i) W¾V oOSXjpLeV ApàOÐRfË]¤, Sjq]ŸV j¤WOWSpL fkL¤ vu] ApàOWSpL R\áOSÒL¥, W¾V

f]q]\ÿOv]t]ÖÐfV Ap\ÿ Bt]R£ j]pNÍe¾]jO kOr¾LpLq]ÖSÒL¥; WPaLRf (i) lLWõV oOSXj

ApàSÒL¥, AfV Ap\ÿOWu]pOSÒL¥ (wq]pLp lLWõV jÒq]¤ AfV sn]\ÿO IÐf]jOç Ar]p]ÕV

sn]ÖSÒL¥). IÐL¤, RIy]RIy]RI mLËOoLpOç pLRfLqO IuO¾OWO¾OWtOU, RIy]RIy]RI

mLË]jV AfV pgL¡ÀoLp] sn]ÖWpOU mLËV AfV yÚf]ÖWpOU R\áL¾kƒU NkLms|¾]¤

vqOÐfsæ. SjLŸ}yOWtOU IuO¾OWO¾OWtOU Cv]SaàV ApS\ÿ̈ LU: (i) jLŸ}yOWtOU IuO¾OWO¾OWtOU

ApàOÐf]jLp] RIy]RIy]RI mLË]R£ SqXWt]¤ SqXRÕaO¾RÕŸ]ŸOç WL¡cV AUY¾]R£

So¤v]sLyU ARsæË]¤ lLWõV jÒ¡ (ASkƒL SlLr¾]¤ j]¡vÿ\]\ÿ]ŸOçfOSkLRs), WPaLRf (ii)RIy]RIy]RI mLË]R£ SyLe¤/r}^]pe¤/NmLµV/KLl}yV So¤v]sLyU ARsæË]¤ lLWõV jÒ¡,

WL¡cV AUYvOU RIy]RIy]RI mLËOoLp] kqy×qU SqXLoPsU Ai]WLqRÕaO¾]p]ŸOç q}f]p]¤.

WL¡cV AUY¾]R£ So¤v]sLy¾]SsL mÌRÕaOÐf]jOç oãO v]vq°t]SsL DºLp]ŸOç oLã°¥

RIy]RIy]RI mLË]Rj SqXLoPsU Ar]p]ÖÐf]jV WL¡cV AUYU kqL^pRÕaOÐkƒU, ASkƒL

SlLr¾]¤ SqXRÕaO¾]p]ŸOçSfL, WL¡cV AUYU AvyLjoLp] j¤W]p]ŸOçSfL Bp

So¤v]sLy¾]¤ SjLŸ}yV/W¾V ApàOÐfV, AfV RIy]RIy]RI mLË]Ss V̈ ""RRWÕãLRf''

oa°]vSÐL CsæSpL IÐ WLq|U kq]Ye]¨LRf, WL¡cV AUY¾]jV j¤W]p wq]pLpfOU

of]pLpfOoLp SjLŸ}yLp] We¨LÖÐfLeV. WL¡cV AUY¾]R£ fLoy òsS¾L S^Ls] òsS¾L

sn|oLp]ŸOç KqO v¡¾oLj kNf¾]¤ Nky]È}Wq]ÖÐ KqO SjLŸ}y]Rj, WL¡cV AUY¾]jO j¤W]p

of]pLp SjLŸ}yLp], AfV Nky]È}Wq]¨RÕŸ f}pf] oOf¤ We¨LÖÐfLeV. IÐL¤, KqO v¡¾oLj

kNf¾]¤ Nky]È}Wq]ÖÐ KqO SjLŸ}yV, RIy]RIy]RI mLËV AfV AUY}Wq]¨L¾kƒU,

RIy]RIy]RI mLË]Rjf]Rq mLiWoLWOÐfsæ.

XXXIII. SYæLm¤ CÍ|¢ RNWc]ãV WL¡cV v|vòW¥

CT v|vòW¥ (""v|vòW¥'') KqO SYæLm¤ CÍ|¢ RNWc]ãV WL¡cV DkSpLY]ÖÐ WL¡cV

AUY¾]jO oLNfSo mLiWoLWOWpOçO. CT v|vòWtOU j]mÌjWtOU RNWc]ãV WL¡cV

DkSpLY¾]jLpOç oãO v|vòWtORapOU j]mÌjWtORapOU (""v|vòWtOU j]mÌjWtOU'')

kOrSopOçfLeV. CT v|vòWtOU oãO v|vòWtOU j]mÌjWtOU fÚ]¤ ISÕLRuË]sOU KqO

RRvqOÈ|U DaRsaO¾L¤ CT v|vòW¥ j]sj]¤ÖÐfLeV. SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]SÓ¤

keU k]¢vs]¨¤ AjOvh]ÖÐfsæ. SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]SÓ¤ W|LxV s]o]ãV

sn|oLÖÐfsæ. WL¡cV AUYU RIy]RIy]RI mLË]jV keU AaSàºfLp f}pf]p]¤ RoL¾U

WOa]ê]W AaSàºfLeV. IUIc] RkRo£V yTWq|U SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]jV

mLiWoLp]q]¨]sæ. SYæLm¤ CÍ|¢ RNWc]ãV WL¡c]jV Svº]pOç keU Aaà¤ Cy]IyV q}f]p]¤

oLNfSo ja¾L¢ kLaOç.

XXXIV. CIURI RNWc]ãV WL¡cV v|vòW¥

CT v|vòW¥ (""v|vòW¥'') KqO CIURI WL¡cV DkSpLY]ÖÐ WL¡cV AUY¾]jO oLNfSo

mLiWoLWOWpOçO. CT v|vòWtOU j]mÌjWtOU RNWc]ãV WL¡cV DkSpLY¾]jLpOç oãO

v|vòWtORapOU j]mÌjWtORapOU (""v|vòWtOU j]mÌjWtOU'') kOrSopOçfLeV. CT

v|vòWtOU oãO v|vòWtOU j]mÌjWtOU fÚ]¤ ISÕLRuË]sOU KqO RRvqOÈ|U DaRsaO¾L¤ CT

v|vòW¥ j]sj]¤ÖÐfLeV.

30

1. CIURI WL¡c]R£ WLq|¾]¤ CIURI WL¡cOao WL¡c]jO W}u]Rs oOuOv¢ WOa]ê}W yUX|pOU

fOs|oLp Nkf]oLy fveWtLp] (CIURI) SðãVRo£]¤ yP\]Õ]\ÿ j]sp]¤ AaSàºfLeV. A°Rj

AàLjOçfLp CIURI fOW (CIc]) WL¡cV AUY¾]jV RIy]RIy]RI mLËV j]ép]\ÿ]ŸOç

k¡S\ÿyV s]o]ã]Rj Aa]òLjoL¨]pOçfOU WL¡cV AUYR¾ RIy]RIy]RI mLËV SðãVRo£V vu]

yP\]Õ]\ÿ]ŸOçfOU Bp]q]ÖU. CIc] vL°sOW¥ ja¾]p fOW, NaL¢yLWVx¢ l}yV, ks]w IÐ]v

Aa°]pfLeV. CakLaV jaÐ h]vyU oOf¤ CakLaV fOWàOSo¤ ks]w CTaLÖÐfLeV. WPaLRf, A¾qU

CIc], SðãVRo£]¤ yP\]Õ]\ÿ]ŸOç keU AaSàºfLp f}pf]p]¤ Aa\ÿ]Ÿ]RsæË]¤ WL¡cV AUY¾]¤

j]ÐOU y¡vÿ}yV \L¡²OU SsãV SkRo£V \L¡²OU CTaLÖÐfLeV. oO¢kR¾ SðãVRo£]Rs CIc]p]Rs

JRfË]sOU fOW AaàLRf mL¨]pORºË]¤, AfV CSÕLuR¾ SðãVRo£]Rs CIc]SpLRaLÕU

S\¡ÖÐfLeV. IÐL¤ Aa\ÿ fOW CIc]Sp¨L¥ WPaOfsLReË]¤ ASÕL¥ aLq]lV AjOmÌ¾]¤

WLe]\ÿ]ŸOç j]sp]¤ WL¡cOaop]¤ j]ÐOU \]s \L¡²OW¥ CTaLÖÐfLeV. A¾q¾]sOç

Ai]WoLp] Aa\ÿ fOW fOa¡ÐOç oLy¾]Rs CIc]p]¤ vqvO vàOÐfOU, AfV SðãVRo£]¤

Nkf]ls]ÖÐfOoLeV. WPaLSf, JRfË]sOU KqO NkSf|W oLy¾]R£ KaOv]¤ WL¡cV AUYU AaSàº

fOW CIc]Sp¨L¥ WOrvLReË]¤, WL¡cOaoàV A¾q¾]¤ AaàLjOç mL¨] fOW oLNfU

AaàOÐf]jOç mLÈ|f oLNfSo DºLp]q]ÖWpOçO.

IË]sOU, RoL¾U WOa]ê]W fOW k¡S\ÿyV&s]o]ãV Wv]pOWpLReË]¤, A°Rj Wv]´ fOWpORaSo¤

2.5% j]q¨]sOç (o]j]oU qP. 500 IÐ j]mÌjàO v]SipoLp]) KqO KLv¡ s]o]ãV \L¡²V

CTaLÖÐfLeV.

2. l}yOU \L¡²OWtOU WeÖ WPŸOÐfV fLRu v]whoL¨]p]q]ÖÐfO SkLRspLeV. DhL: KqO

WL¡cOaoàV Nkf]oLyU 2000 qPk CIc]SpLaOWPa]p KqO CIURI WL¡cOºV. Af]jV qP. 48000/&

k¡S\ÿyV s]o]ãOU 1.49% ks]wpOU (Nkf]oLyU) DºV. Af]R£ SðãVRo£V f}pf], KLSqL oLyR¾pOU 20&LU

f}pf]pOU, keoaSàº f}pf], KLSqL oLyR¾pOU 7&LU f}pf]pOoLeV. 2006 ^jOvq] 5&LU f}pf]

WL¡cOao RoL¾U 10000 qPkpORa vL°sOW¥ ja¾]. CT CakLa]SÓ¤ NaL¢yLWVx¢ l}yLp] 149 qPk

CTaLÖU. 2006 ^jOvq] 20&LU f}pf] SðãVRo£V DfVÕLh]Õ]ÖÐfOU, RoL¾U WOa]ê]W fOW qP.

10,224,61 Bp]q]ÖWpOU R\áOU. Cf]¤ 2006 ^jOvq] 5&LU f}pf] oOf¤ ^jOvq] 20&LU f}pf] vRq

WL¡cOao ja¾]p vL°sOWt]SÓsOç ks]wpLp 75.61 qPk D¥RÕaOU. WL¡cOao 2006 RlNmOvq],

7&LU f}pf]p]¤ qP. 2000 CIc] AaSàºfV Bvw|oLeV. 2006 RlNmOvq] 10&LU f}pf] WL¡cOao 6000

qPkpORa vL°sOW¥ ja¾OÐO. CT CakLa]SÓ¤ qP. 149 NaL¢yLWVx¢ l}yLp] CTaLÖÐfLeV. 2006

RlNmOvq] 7&LU f}pf] WL¡cOao qP. 2000 AaàOÐO. 10224.61 qPkàV 2006 ^jOvq] 20 oOf¤ 2006

RlNmOvq] 7&LU f}pf] vRqpOU, WPaLRf 8224.61 qPkàV 2006 RlNmOvq] 7&LU f}pf] oOf¤ RlNmOvq]

20&LU f}pf] vRqpOU, ks]w CTaLÖÐfLeV. Af]jO kOrSo, 2006 RlNmOvq] 10&LU f}pf] oOf¤

2006 RlNmOvq] 20&LU f}pf] vRq 6000 qPkpORa vL°sOWt]SÓsOU ks]w CTaLÖÐfLeV.

ks]wpLp] RoL¾U 169.97 qPk, 2006 RlNmOvq] 20&LU f}pf] DfVÕLh]Õ]ÖÐ SðãVRo£]¤

Nkf]ls]ÖÐfLeV. ASfLRaLÕU RoL¾U WOa]ê]W fOWpLp] 2006 RlNmOvq] 20&LU f}pf] 14,543.58

qPk DºLp]q]ÖU. 2006 oL¡\ÿV 7&LU f}pf]p]¤ WL¡cOao 2000 qPkpORa CIc] fOW AaSàºfV

Bvw|oLeV. keU AaàOÐfV RRvWOWpLeË]¤, SsãV SkRo£V \L¡²OW¥ CTaLÖÐfLeV.

CIc]ÖSo¤ Ai]WoLp] JRfË]sOU fOW Aa\ÿ]ŸORºË]¤, \]s NkSf|W \L¡²OW¥

CTaLÖÐfLeV. \L¡²OWtORa v]whLUw°¥ V̈ hpvLp] aLq]lV AjOmÌU kq]SwLi]ÖW.

JRfË]sOU C¢NW]Ro£V vWp]¤ WL¡cOao ja¾]p]ŸOç R\r]p vL°sOW¥ CIc]p]¤ v¡ÈjvV

DºLÖWp]sæ. IÐL¤, RoL¾U WOa]ê]W fOWpORapOU f]q]\ÿavV WLsptv]R£pOU BjOkLf]WoLp

v¡Èjv]¤ WsLw]ÖÐfLeV. AfV fLRu kŸ]W qPk¾]¤ v]wh}Wq]\ÿ]q]ÖÐO.

31

CIURI WL¡cV & DfVÕÐ v]whLUw°¥

CIc] qP. 2000

k¡S\ÿyV s]o]ãV qP. 48000

ks]w 1.49%

SðãRo£V f}pf] KLSqL oLyvOU 20&LU f}áf]

keU AaSàº f}pf] KLSqL oLyvOU 7&LU f}áf]

fOa¨¾]sOç WOa]ê]W fOW 0 fOa¨¾]sOç WOa]ê]W fOW 0

CakLaV fOW (2006 ^jO. 5) 10000 CakLaV fOW (2006 RlNmO. 10) 6000

NaL¢yLWVx¢ l}yV (2006 ^jO. 5) 149 NaL¢yLWVx¢ l}yV (2006 RlNmO. 10) 149

ks]w 75.61 ks]w 169.97

RoL¾U WOa]ê]W fOW 10224.61 RoL¾U WOa]ê]W fOW 14543.58

AaSàº CIURI fOW 2000 AaSàº CIURI fOW 2000

Aa\ÿ CIURI fOW 2000 Aa\ÿ CIURI fOW 2000

RIy]RIy]RI mLËV KqO WL¡cV A¨Tº]jV KqO k¡S\ÿyV s]o]ãV j]ép]ÖÐfLeV. AfV KqO

yop¾OU Wv]pL¢ kLaOçfsæ. \L¡²OWRtÖr]\ÿOç v]wh v]vq°¥ V̈ aLq]lV AjOmÌU

SjLÖW. CIURI WL¡cOW¥ V̈ IUIc] SkRo£V yTWq|U mLiWosæ.

3. ykæ]Ro£r] WL¡cOW¥Öç yTWq|°tOU WPaLRf vLe]^| òLkj°¥ Aa]òLjoL¨]pOç

C¢ðL¥Ro£V SNkLNYLoOU CIURI WL¡cOW¥ V̈ mLiWosæ.

XXXV. v]¡\ÿ~¤ RNWc]ãV WL¡cV v|vòW¥

CT v|vòWtOU j]mÌjWtOU (""v|vòW¥'') RIy]RIy]RI mLËV KLl¡ R\áOÐ v]¡\ÿ~¤

RNWc]ãV WL¡cV yTWq|°¥ V̈ mLiWvOU Af]Rj j]pNÍ]ÖÐfOU BeV. CT v|vòWtOU

j]mÌjWtOU, RIy]RIy]RI mLË]R£ RNWc]ãV WL¡cV yTWq|°Rt nq]ÖÐ v|vòW¥ÖU

j]mÌjW¥ÖU, RIy]RIy]RI mLË]R£ C£¡RjãV mLË]UYV yTWq|°Rt nq]ÖÐ

v|vòW¥ÖU j]mÌjW¥ÖU, WPaLRf RIy]RIy]RI mLË]R£ Syv]UYVyV mLËV A¨Tº]Rj

nq]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU (""NkLgo]W v|vòW¥'') kOrSopOçfOU

v]qOÈoLWL¾fOoLeV. CT v|vòW¥ÖU j]mÌjW¥ÖU, NkLgo]W v|vòW¥ÖU fÚ]¤

RRvqOÈ|U WLeRÕŸL¤ CT v|vòW¥ j]sj]¤ÖÐfLeV. Cv]Ra DkSpLY]\ÿ]ŸOç \]s NkSf|WU

j]¡vÿ]\]\ÿ]Ÿ]sæL¾ kh°tORa A¡À°¥ NkLgo]W v|vòWt]¤ pgLNWoU RWLaO¾]ŸOºV.

""VA¨TºV/W¥'' IÐL¤ A¡ÀU RIy]RIy]RI mLË]R£ C£¡RjãV mLË]UYV yTWq|°Rt nq]ÖÐ

v|vòWt]sOU j]mÌjWt]sOU, WPaLRf RIy]RIy]RI mLË]R£ Syv]UYVyV mLËV A¨Tº]Rj

nq]ÖÐ v|vòWt]sOU j]mÌjWt]sOU A¨TºV(W¥) j]¡vÿ\]¨RÕŸ]ŸOç A¡À¾]jOç]¤

D¥RÕaOÐv IÐLeV.

""v]¡\ÿ~¤ RNWc]ãV WL¡cV'' IÐL¤ A¡ÀU RRNkor] RNWc]ãV WL¡cV AUY¾]jV ASÇz¾]R£/AvqORa

j]sv]sOç WL¡cV A¨Tº]¤ Cx|O R\áOÐ KqO Ac}xe¤ WL¡cV IÐLeV. CT BcV KL¦ RNWc]ãV

WL¡cV RRNkor] RNWc]ãV WL¡cV AUY¾]R£ A¨TºV(W¥)¤ Af]Rs SsLYVcV C¢ RyWVxj]¤

CsWVSNaLe]WV qPk¾]¤ yQxVa]¨RÕaOWpOU yPƒ]¨RÕaOWpOU R\áOÐO. v]¡\ÿ~¤ RNWc]ãV WL¡c]jV

32

KqO vñO qPk¾]sOç kæLð]WV WL¡cV Cx|O R\áOÐfsæ.

""v]¡\ÿ~¤ RNWc]ãV WL¡cV AUYU'' IÐL¤ A¡ÀU RIy]RIy]RI mLËV NkLgo]W v|vòW¥ÖU

v]SipoLp] KqO BcV&KL¦ v]¡\ÿ~¤ RNWc]ãV WL¡cV Cx|O R\pÅ RRNkor] RNWc]ãV WL¡cV AUYU

IÐLeV.

v]¡\ÿ~¤ RNWc]ãV WL¡cV Cx|O yTWq|¾]jV ASkƒ]ÖWpOU AUY}Wq]ÖWpOU R\áOÐf]sPRa,

RRNkor] RNWc]ãV WL¡cV AUYU fLRuÕrpOÐ j]mÌjWtOU v|vòWtOU yÚf]ÖWpOU

AUY}Wq]ÖWpOU R\pÅfLp] We¨LÖÐfLeV.

RRNkor] RNWc]ãV WL¡cV AUYU v]¡\ÿ~¤ RNWc]ãV WL¡c]jLp] RIy]RIy]RI mLËV Af]R£ SsLYVcV

C¢ RyWVxj]¤ sn|oL¨]p]ŸOç oL¡«¾]sPRaSpL yopL yop°t]¤ RIy]RIy]RI mLËV

j]¡vÿ\]ÖÐ oãV q}f]p]sPRaSpL ASkƒ]S¨ºfLeV. v]¡\ÿ~¤ RNWc]ãV WL¡c]sPRa WL¡cV AUY¾]jV

ASÇz¾]R£ y~ÍU CìNkWLqoOç RNWc]ãV s]o]ã]jOç]¤ KL¦RRs¢ CakLaOW¥ ja¾L¢

yLi]ÖÐfLeV. IÐL¤, pLRfLqO WLqevwLvOU pLRfLqO yop¾OU ASÇz¾]R£ RNWc]ãV

WL¡c]sOç RNWc]ãV s]o]ãV Wv]pL¢ kLa]sæ.

v]¡\ÿ~¤ RNWc]ãV WL¡c]sPRa ja¾]p CakLaOWtORa v]wh v]vq°¥ SðãVRo£]¤ Nkh¡w]Õ]ÖÐfOU

RRNkor] RNWc]ãV WL¡cV AUY¾]jV Af]jLp] KqO NkSf|W SðãVRo£V ApàL¾fOoLeV. WPaLRf, RRNkor]

RNWc]ãV WL¡cV AUY¾]jV v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ CSÕLuR¾pOU Wu]´ WLsR¾pOU SðãVRo£V/

W¥ v]¡\ÿ~¤ RNWc]ãV WL¡c]jO W}u]¤ RWLaO¾]ŸOç s]Ë]¤ Wæ] V̈ R\áOÐf]sPRa WLeLvOÐfLeV.

RRNkor] RNWc]ãV WL¡cV AUY¾]jV ASÇz¾]R£ RRNkor] WL¡c]sOU v]¡\ÿ~¤ RNWc]ãV WL¡c]sOU

DºLp]ŸOç R\svOWtORa keU Kã¾OWpLp] AaàLvOÐfLeV.

v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ WL¡cV jÒ¡, IWõVRRkq] f}pf], y]v]v] oOfsLpv NkiLjRÕŸ v]vq°¥

A¨Tº]Rs SsLYVcV C¢ RyWVxj]¤ sn|oLp]ŸOç v]¡\ÿ~¤ RNWc]ãV WL¡cV RyWVxj]¤ oLNfU WLeL¢

yLi]ÖÐfLeV. v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ RNWc]ãV s]o]ãV RRNkor] WL¡c]S£fO fRÐ Bp]q]ÖU.

v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ SzLŸV s]ð]UYV/SmæL¨]UYV oOfsLpv A¨Tº]Rs SsLYVcV C¢

RyWVxj]sOç v]¡\ÿ~¤ RNWc]ãV WL¡cV RyWVxj]sPRa oLNfU R\áL¢ yLi]ÖÐfLeV. v]¡\ÿ~¤

RNWc]ãV WL¡cV AUYU A¨TºV/W¥ SWæLôV R\áOWpLReË]¤, v]¡\ÿ~¤ RNWc]ãV WL¡cV yTWq|U

fOa¡ÐOU j]sv]s]q]ÖÐfLeV.

v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ DkSpLYU KL¦RRs¢ CakLaOW¥Ö oLNfoLp] j]pNÍ]¨RÕŸ]q]ÖU.

KL¦RRsj]sPRapOç CakLaOWtORa WLq|¾]¤, v]¡\ÿ~¤ RNWc]ãV WL¡cV DkSpLY]\ÿO ja¾OÐ

vL°sOW¥ ja¾OÐ yop¾V RRNkor] WL¡cV AUYU \L¡²V yæ]ÕOW¥ KÕ]aOÐ]sæ IÐ vñOf RRNkor]

WL¡cV AUYU ojô]sLÖÐO. AfOSkLRs, A°RjpOç KqO vL°s]R£SpL \L¡²]R£SpL

vLñv]WfRpÖr]\ÿV IRÍË]sOU f¡Ü DaRsaOÖÐkƒU, WLqe°¥ IÍOfRÐ BpLsOU,

RIy]RIy]RI mLË]jO j¤SWºfLp WOa]ê]WW¥ j¤WOÐf]jOU, pLRfLqO yLz\q|¾]sOU

RIy]RIy]RI mLË]Rj mLÈ|f¨LqSjL/D¾qvLh]SpL Bp] We¨L¨Lf]q]ÖÐf]jOU RRNkor]

WL¡cV AUYU yÚf]ÖÐO. v]¡\ÿ~¤ RNWc]ãV WL¡c]sPRa keU y~}Wq]ÖÐf]jV JRfË]sOU vLe]^|

òLkjU v]yÚf]ÖÐkƒU Af]jV RIy]RIy]RI mLËV D¾qvLh] Bp]q]ÖÐfsæ. v]¡\ÿ~¤

RNWc]ãV WL¡cV yTWq|U RWLºV DSÇw]ÖÐfV v]¡\ÿ~¤ RNWc]ãV WL¡cV AUY¾]jV KL¦RRsj]sPRa

keU AaàLjOç yTWq|U NkhLjU R\áOW IÐfV oLNfoLeV. AsæLRf, v]¡\ÿ~¤ RNWc]ãV WL¡cV AUYU

ja¾OÐ JRfË]sOU CakLaOWtORa YOeSoÓ, yOqƒ]ff~U ARsæË]¤ j]po v]Sipf~U DrÕLÖÐf]jO

Svº]psæ.

v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ DkSpLYU CT v|vòWtOU j]mÌjWtOU AUY}Wq]ÖÐf]jO fOs|oLeV.

v]¡\ÿ~¤ RNWc]ãV WL¡cV AUYU CT keU AaàOÐf]jOç v|vòWtLsOU Af]jO W}u]sOU mÌ]fvOU/

mLÈ|òvOU Bp]q]ÖU. ASÇzU/Av¡ v]¡\ÿ~¤ RNWc]ãV WL¡c]R£ DkSpLYU oOXLÍ]qoOç IsæL

\L¡²OWtORapOU f]q]\ÿavV DrÕO vqO¾OÐfLeV. v]¡\ÿ~¤ RNWc]ãV WL¡cV yTWq|U, yopL

yop°t]¤ RIy]RIy]RI mLËV j]ép]ÖÐ l}yV/j]q V̈ AjOyq]\ÿV NkhLjU R\áRÕaOÐ KqO

NkSf|W yTWq|oLeV.

XXXVI. C¢ð£V RNWc]ãV WL¡cV v|vòW¥

1. CT v|vòWtOU j]mÌjWtOU (""v|vòW¥'') RIy]RIy]RI mLËV KLl¡ R\áOÐ C¢ð£V

33

RNWc]ãV WL¡cV yTWq|°¥ V̈ mLiWvOU Af]Rj j]pNÍ]ÖÐfOU BeV. CT v|vòWtOU

j]mÌjWtOU, www.icicibank.com ¤ sn|oLp]ŸOç RIy]RIy]RI mLË]R£ RNWc]ãV WL¡cV

yTWq|°Rt nq]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU, RIy]RIy]RI mLË]R£ l]WõcV

c]SÕLy]ã]Rj nq]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU (""NkLgo]W v|vòW¥'')

kOrSopOçfOU v]qOÈoLWL¾fOoLeV. CT v|vòW¥ÖU j]mÌjW¥ÖU, NkLgo]W

v|vòW¥ÖU fÚ]¤ RRvqOÈ|U WLeRÕŸL¤ CT v|vòW¥ j]sj]¤ÖÐfLeV. Cv]Ra

DkSpLY]\ÿ]ŸOç \]s NkSf|WU j]¡vÿ]\]\ÿ]Ÿ]sæL¾ kh°tORa A¡À°¥ NkLgo]W v|vòWt]¤

pgLNWoU RWLaO¾]ŸOºV.

2. ""WL¡cV Dao'' IÐL¤ A¡ÀU RIy]RIy]RI mLË]¤ KqO l]WõcV c]SÕLy]ãV DçfOU/ l]WõcV

c]SÕLy]ãV R\áOÐfOU, RIy]RIy]RI mLË]R£ KqO C¢ð£V RNWc]ãV WL¡c]jV ASkƒ]ÖÐfOU,

NkLgo]W v|vòW¥ÖU j]mÌjW¥ÖU Cv]Ra j]¡vÿ\]\ÿ]ŸOç v|vòW¥ÖU v]SipoLp] KqO

C¢ð£V RNWc]ãV WL¡cV Cx|O R\áRÕaOWpOU R\pÅ v|©] IÐLeV.

3. ""C¢ð£V RNWc]ãV WL¡cV'' IÐL¤ A¡ÀU, WL¡cV Dao RIy]RIy]RI mLË]¤ j]sj]¡¾]p]ŸOç

KqO l]WõcV c]SÕLy]ã]R£ CTa]SÓ¤ RIy]RIy]RI mLËV Cx|O R\áOÐ RIy]RIy]RI mLËV

C¢ð£V RNWc]ãV WL¡cV IÐLeV.

4. C¢ð£V RNWc]ãV WL¡cV sn]¨L¢ SpLY|f SjaOÐf]jV WL¡cV Dao WOr´fV 20,000 qPkpORa KqO

l]WõcV c]SÕLy]ãV RIy]RIy]RI mLË]¤ j]sj]¡¾OWSpL/CaOWSpL R\SáºfV Bvw|oLeV.

5. C¢ð£V RNWc]ãV WL¡c]R£ RNWc]ãV s]o]ãV l]WõcV c]SÕLy]ãV fOWpORa I¦k¾]pµV wfoLjU

(85%) Bp]q]ÖU. CfV WOr´fV RNWc]ãV s]o]ãV 17,000 qPkpOU kqLvi] RNWc]ãV s]o]ãV 3 sƒU qPkpOU

IÐ j]mÌjàO v]SipoLp]q]ÖU. CT RNWc]ãV s]o]ãV yopL yop°t]¤ RIy]RIy]RI mLËV

Af]R£ y~ÍU v]Sv\jLi]WLq NkWLqU ja¾OÐ oLã¾]jV v]SipoLp]q]ÖU. AfV AjOSpL^|RoÐV

RIy]RIy]RI mLË]jV SfLÐOÐ q}f]p]sOU oL¡«¾]sOU WL¡cV DaoRp Ar]p]ÖÐfLeV.

6. WL¡cV Dao, yopL yop°t]¤ RIy]RIy]RI mLËV j]¡vÿ\]ÖÐ q}f]p]sOU oL¡«¾]sOU,

AfOSkLRsfRÐ RIy]RIy]RI mLËV j]¡vÿ\]ÖÐ mÌRÕŸ SqXWtORa kP¡¾}Wqe¾]jOU

v]SipoLpOU l]WõcV c]SÕLy]ãOW¥ j]Sƒk]S¨ºfLeV. WL¡cV Dao l]WõcV c]SÕLy]ãV KqO

RIy]RIy]RI mLË]R£ wLXp]SsL, ARsæË]¤ yop°t]¤ RIy]RIy]RI mLËV Af]R£ y~ÍU

v]Sv\jLi]WLq NkWLqU j]ép]ÖWpOU Ar]p]ÖWpOU R\áOÐ oãO kWqU \LjsOWt]SsL

j]Sƒk]S¨ºfLeV. A°Rj fOr¨RÕaOÐ l]WõcV c]SÕLy]ãOW¥ KLSŸL r]j|Ov¤ q}f]p]¤ oLNfU

fOr¨RÕaOÐfLeV. WL¡cV Dao/RIy]RIy]RI mLËV WL¡cV W|L¤y¤ R\áOÐkƒU, l]WõcV

c]SÕLy]ãV AfV j]Sƒk]ÖÐ yop¾V WL¡cV Dao j¤W]p]ŸOç j]¡SÇwLjOyqeU fOaqOÐfLeV.

7. C¢ð£V RNWc]ãV WL¡cV Cx|O R\áOSÒL¥, WL¡cV Dao j]Sƒk]\ÿ]ŸOç RoL¾U l]WõcV c]SÕLy]ãV

fOWp]sOU, Af]R£ ks]wp]sOU RIy]RIy]RI mLËV KqO kepU AapLtRÕaO¾OÐfLeV. CfV

C¢ð£V RNWc]ãV WL¡cV AvyLj]Õ]ÖWSpL l]WõcV c]SÕLy]ã]R£ WLsLvi] kP¡¾]pLWOWSpL

R\áOÐ yopU vRq, yLz\q|ojOyq]\ÿV, fOaqOÐfLeV.

8. ASkƒWjV RIy]RIy]RI mLË]¤ KqO l]WõcV c]SÕLy]ãV j]sv]sORºË]¤, B l]WõcV

c]SÕLy]ã]Rj WL¡cV DaopORa C¢ð£V RNWc]ãV WL¡cV A¨TºOoLp] s]ËV R\áOÐfOU, Da¢fRÐ B

l]WõcV c]SÕLy]ã]Rj KLSŸL r]j|Ov¤ q}f]p]Ss V̈ oLãOÐfOoLeV. KLSŸL r]j|Ov¤ R\áOÐ yop¾V

mLiWoLp]ŸOç ks]w j]q V̈ So¤Õr´ l]WõcV c]SÕLy]ã]jV mLiWoLWOÐfLeV.

9. C¢ð£V RNWc]ãV WL¡cOoLp] s]ËV R\pÅ]ŸOç l]WõcV c]SÕLy]ã]¤ j]ÐOU WL¡cV Dao/W¥ V̈

nLY}WoLp k]¢vs]¨sOW¥ ja¾L¢ yLi]ÖÐfsæ.

10. I\ÿVpOIlV, kL¡ŸVj¡x]ÕV òLkj°¥, NkLpkP¡¾]pLWL¾ v|©]W¥, KÐ]si]WU ASkƒW¡

WPŸLp] fOrÐ/j]Sƒk]\ÿ l]WõcV c]SÕLy]ãOW¥ V̈ C¢ð£V RNWc]ãV WL¡c]jV

A¡zfpOºLp]q]ÖÐfsæ. KqO Kã v|©]pORa Skq]sOç l]WõcV c]SÕLy]ãOW¥ V̈ oLNfSo C¢ð£V

RNWc]ãV WL¡c]jV A¡zfpOºLp]q]ÖWpOçO.

11. l]WõcV c]SÕLy]ã]jV SjLo]Sjx¢ yTWq|U sn]ÖÐfLeV.

34

12. l]WõcV c]SÕLy]ã]R£SpL C¢ð£V RNWc]ãV WL¡c]R£SpL AvyLj]Õ]¨¤/k]¢vs]¨¤/W|L¢y¤

R\á¤ yUnv]ÖWSpL, keU AaSàºfLp f}pf] oOf¤ 60 h]vy°¥¨WU WOa]ê]W fOW

AaàOÐf]¤ WL¡cV AUYU kqL^pRÕaOWSpL, WL¡c]sOç RoL¾U WOa]ê]W fOW l}yOWtOU

\L¡²OWtOU CT v|vòW¥Ö v]SipoLp] RIy]RIy]RI mLËV CTaLÖÐ oãV fOWWtOU D¥RÕRa

JRfË]sOU yop¾V l]WõcV c]SÕLy]ãV fOWpORa 95% BWOWSpL Af]¤ Wv]pOWSpL R\áOÐkƒU,

l]WõcV c]SÕLy]ãV Af]¤ SwXq]¨RÕŸ]ŸOç ks]w D¥RÕRa s]W~]ScãV R\áOÐf]jOU C¢ð£V RNWc]ãV

WL¡c]jO W}u]¤ RIy]RIy]RI mLË]jV sn]¨LjOç fOWp]Ss V̈ vWp]qO¾OÐf]jOU

RIy]RIy]RI mLË]jV AvWLwU DºLp]q]ÖÐfLeV. oOWt]¤ kr´ CTaL¨s]jO SwxU

IRÍË]sOU fOW mL¨]pORºË]¤ AfV WL¡cV DaoàV f]q]RW j¤WOÐfLeV.

13. l]WõcV c]SÕLy]ã]¤ kepU AapLtRÕaO¾]pf]jO SwxU C¢ð£V RNWc]ãV WL¡cV BW›]SvãV

R\áOÐfLeV.

XXXVII. SWL¡ÕSrãV RNWc]ãV WL¡cV v|vòW¥

CT v|vòW¥ (""v|vòW¥'') KqO SWL¡ÕSrãV WL¡cV DkSpLY]ÖÐ WL¡cV AUY¾]jO oLNfSo

mLiWoLWOWpOçO. CT v|vòWtOU j]mÌjWtOU RNWc]ãV WL¡cV DkSpLY¾]jLpOç oãO

v|vòWtORapOU j]mÌjWtORapOU (""v|vòWtOU j]mÌjWtOU'') kOrSopOçfLeV. CT

v|vòWtOU oãO v|vòWtOU j]mÌjWtOU fÚ]¤ ISÕLRuË]sOU KqO RRvqOÈ|U DaRsaO¾L¤ CT

v|vòW¥ j]sj]¤ÖÐfLeV. KqO SWL¡ÕSãV RNWc]ãV WL¡cV WL¡cV AUY¾]jV v|©Yf

mLi|fpOç (y]y]RII¤) WL¡ScL, ARsæË]¤ WL¡cV AUY¾]jOU AfOSkLRs fRÐ WÒj]ÖU

(y]y]y]I¤) WPŸOmLÈ|fpOç WL¡ScL Bp]q]¨LvOÐfLeV. RIy]RIy]RI mLËV Av¡

ASkƒW¥ AUY}Wq]ÖÐ WL¡cV AUY(AUY°¥)¾]jLeV WL¡cOW¥ Cx|O R\áOÐfV. oãO fq¾]¤

yÚf]\ÿ]Ÿ]RsæË]¤ KLSqL WL¡c]sOU WL¡cV AUY°¾]R£pOU WÒj]pORapOU SkqV IUSmLôV

R\pÅ]q]ÖU. RIy]RIy]RI mLËV Af]R£ kf]vV yNÒhLpU AjOyq]\ÿV, fLRu Nkf]kLh]\ÿ]ŸOç

W|L¢ySsx¢ \Ÿ°¥ NkWLqU WL¡cOWtORa rÇL¨¤ jaÖÐfOvRqpOU WL¡c]R£ kOfO¨¤

ARsæË]¤ oLã] j¤W¤ ja¾OÐfLeV.

XXXVIII. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV v|vòW¥

RIy]RIy]RI mLËV l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV IÐL¤ RIy]RIy]RI mLË]¤ WL¡cV

Dao j]sj]¡¾OÐ KqO l]WõcV c]SÕLy]ã]R£ CTa]SÓ¤ RIy]RIy]RI mLËV Cx|O R\áOÐ KqO

RNWc]ãV WL¡cV BeV (Cf]jO SwxU ""l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV'' IÐO Nkf]kLh]\ÿ]q]ÖÐO.

l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV sn]¨L¢ SpLY|f SjaOÐf]jV ASkƒW¢ WOr´fV 20,000

qPkpORa KqO l]WõcV c]SÕLy]ãV RIy]RIy]RI mLË]¤ j]sj]¡S¾ºfV Bvw|oLeV. CT l]WõcV

c]SÕLy]ãV fOW yopL yop°t]¤ RIy]RIy]RI mLËV Af]R£ y~ÍU v]Sv\jLi]WLq NkWLqU

ja¾OÐ oLã¾]jV v]SipoLeV. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]R£ RNWc]ãV s]o]ãV l]WõcV

c]SÕLy]ãV fOWpORa I¦k¾]pµV wfoLjU (85%) Bp]q]ÖU. CT RNWc]ãV s]o]ãV yopL

yop°t]¤ RIy]RIy]RI mLËV Af]R£ y~ÍU v]Sv\jLi]WLq NkWLqU ja¾OÐ oLã¾]jV

v]SipoLp]q]ÖU. ASkƒW¢, RIy]RIy]RI mLËV j]¡vÿ\]\ÿ]ŸOç ASkƒL SlLrU kPq]Õ]\ÿO

j¤W]SpL, ARsæË]¤ yopL yop°t]¤ RIy]RIy]RI mLËV j]¡vÿ\]ÖÐ oãV JRfË]sOU

q}f]p]SsL l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]R£ DSÇw|¾]jLpOç l]WõcV c]SÕLy]ãV/W¥

j]Sƒk]S¨ºfLeV. A°Rj j]Sƒk]¨RÕaOÐ l]WõcV c]SÕLy]ãOW¥ vL¡x]W Aa]òLj¾]¤

kOfO¨RÕaOÐfOU, CT v|vò¥ÖU j]mÌjW¥ÖU kOrSo, www.icicibank.com ¤ sn|oLp]ŸOç

RNWc]ãV WL¡cOWRtpOU l]WõcV c]SÕLy]ãOWRtpOU yUmÌ]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU

v]SipvOU Bp]q]ÖU. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV Cx|O R\áOSÒL¥, WL¡cV Dao

j]Sƒk]\ÿ]ŸOç RoL¾U l]WõcV c]SÕLy]ãV fOWp]sOU, Af]¤ WL¡cV Dao Sja]p]ŸOç ks]w

Ku]vL¨]R¨LºV, RIy]RIy]RI mLËV KqO kepU AapLtRÕaO¾OÐfLeV. CfV l]WõcV c]SÕLy]ãV

RNWc]ãV WL¡cV AvyLj]Õ]ÖWSpL l]WõcV c]SÕLy]ã]R£ WLsLvi] kP¡¾]pLWOWSpL R\áOÐ

yopU vRq, yLz\q|ojOyq]\ÿV, fOaqOÐfLeV. ASkƒWjV RIy]RIy]RI mLË]¤ KqO l]WõcV

c]SÕLy]ãV j]sv]sORºË]¤, B l]WõcV c]SÕLy]ã]Rj ASkƒWR£ WL¡cV A¨TºOoLp] s]ËV

R\áOÐfOU, Da¢fRÐ B l]WõcV c]SÕLy]ã]Rj KLSŸL r]j|Ov¤ q}f]p]Ss V̈ oLãOÐfOoLeV. WL¡cV

A¨TºOoLp] s]ËV R\pÅ]ŸOç l]WõcV c]SÕLy]ã]¤ j]ÐOU WL¡cV DaoW¥ V̈ nLY}WoLp

k]¢vs]¨sOW¥ ja¾L¢ yLi]ÖÐfsæ. RIy]RIy]RI mLËV l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV

35

sn]ÖÐf]jLp] fOr¨RÕaOÐ l]WõcV c]SÕLy]ã]R£ WLsLvi] AfV AvyLj]Õ]ÖWSpL W|L¢y¤

R\áOWSpL R\áOÐfO vRq KLSŸL r]j|Ov¤ q}f]p]¤ fOaqOÐfLeV. I\ÿVpOIlV, kL¡ŸVj¡x]ÕV

òLkj°¥ IÐ]v¡ fOrÐ l]WõcV c]SÕLy]ãOW¥ V̈ l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]jV

A¡zfpOºLp]q]ÖÐfsæ. ASkƒW¢ oRãLqO v|©]pOoLp] S\¡ÐV WPŸLp] KqO l]WõcV c]SÕLy]ãV

fOrÖÐkƒU, ASkƒL SlLr¾]¤ SqXRÕaO¾]p]ŸOç NkWLqU KÐLoR¾ A¨TºV SzL¥c¡ V̈

l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV Cx|O R\áOÐfLeV.

ASkƒW¢ fOrÖÐ l]WõcV c]SÕLy]ã]jV KqO v|©]Rp SjLo]SjãV R\áOÐf]jV ASkƒWjV

AvWLwU DºLp]q]ÖU. l]WõcV c]SÕLy]ãV fOW k]¢vs]ÖÐf]jV/AvyLj]Õ]ÖÐf]jV WL¡cV Dao

BNYz]ÖWSpL, RIy]RIy]RI mLËV/WL¡cV Dao l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV W|L¢y¤

R\áWSpL, WL¡cV DaopORa oqeU yUnv]\ÿf]jL¤ l]WõcV c]SÕLy]ãV AvyLj]Õ]ÖWSpL

R\áOÐkƒU, WL¡cV Dao RIy]RIy]RI mLË]jV j¤WLjOç RoL¾U WOa]ê]W fOW l}yOWtOU

\L¡²OWtOU IsæLU D¥RÕRa CTaL¨]pf]jO SwxU mL¨]pOç l]WõcV c]SÕLy]ãV fOW f]q]RW

sn]ÖÐf]jV WL¡cV DaoàV/SjLo]j] V̈ AvWLwU DºLp]q]ÖU. WL¡cV DaopORa oqeU

yUnv]ÖÐkƒU l]WõcV c]SÕLy]ãV RNWc]ãV WL¡cV AvyLj]\ÿfLp] We¨L¨RÕaOU.

SðãVRo£V NkWLqU keU AaSàºfLp f}pf] oOf¤ 90 h]vy°¥¨WU l]WõcV c]SÕLy]ãV RNWc]ãV

WL¡c]Rs WOa]ê]W fOW AaàOÐf]¤ WL¡cV AUYU kqL^pRÕaOÐkƒU, RoL¾U l]WõcV c]SÕLy]ãV

fOW s]W~]ScãV R\áOÐf]jOU l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]jO W}u]¤ RIy]RIy]RI mLË]jV

sn]¨LjOç fOWp]Ss V̈ vWp]qO¾OÐf]jOU RIy]RIy]RI mLË]jV AvWLwU DºLp]q]ÖÐfLeV.

oOWt]¤ kr´ CTaL¨s]jO SwxU IRÍË]sOU fOW mL¨]pORºË]¤ AfV WL¡cV DaoàV f]q]RW

j¤WOÐfLeV. l]WõcV c]SÕLy]ãV RNWc]ãV WL¡c]R£ BW›]Svx¢ l]WõcV c]SÕLy]ã]¤ kepU

AapLtRÕaO¾OÐf]jO v]SipoLp]q]ÖU.

j]¡vÿ\j°¥:

""WL¡cV A¨TºV'' IÐf]R£ A¡ÀU WÒj]pORa Skq]¤ fOrÐfOU RIy]RIy]RI mLËV

Cf]sa°]p]ŸOç Af]R£ v|vòWtOU j]mÌjWtOU NkWLqU SWL¡ÕSrãV RNWc]ãV WL¡cV

DkSpLY¾]R£ DSÇw|¾]jLp] yUqƒ]\ÿOvqOÐfOoLp A¨TºV IÐLeV.

""Syvj°¥'' IÐf]R£ A¡ÀU, v]y C¢l¡Sox¢ oLSj V̂Ro£V y¡vÿ}yyV IÐLeV. Af]¤ cLãL

y¡vÿ}yOW¥, kW¡ÕvWLwoOç v]y C¢l¡Sox¢ SyLuVyV (""v]RIIyV'') IÐV Ar]pRÕaOÐ

KL¦RRs¢ S^Ls]W¥, v]y o¥Ÿ]jLxj¤ r]SÕL¡Ÿ]UYV (""v]IUB¡''), v]y NaLv¤ A¨TºV oLSj^¡

(""v]a]IIU''), I¢Sz¢yVcV cLãL y¡vÿ}yyV (""Cc]IyV''), CfOvSqÖoOç IsæL

AkVSNYcOWtOU KÕoOçfLp IsæL SqXWtOU, lpsOWtOU, cLãpOU vyVfO¨tOU D¥RÕRapOçv

D¥RÕaOÐO. WPaLRf, Cf]¤ oLð¡ WL¡cV yÜL¡ŸV cLã KL¦ RRs¢ (IyVc] K I¤) WPa] D¥RÕaOÐO.

Af]jO kOrSo, cLãL y¡vÿ}yOW¥, kW¡ÕvWLwoOç yÜL¡ŸV cLãL KL¦ RRs¢ (IyVc]KI¤)

IÐr]pRÕaOÐ KL¦ RRs¢ S^Ls]W¥, KÕoOç SqXWtOU lpsOWtOU, cLãpOU, vñ¨tOU D¥RÕRa

CSfvSqÖoOç AÕVScãOWtOU AÕV SNYcOWtOU D¥RÕRapOçv Cf]¤ D¥RÕaOÐO.

v]yL C¢l¡Sox¢ oLSj V̂Ro£V y¡vÿ}yOW¥ (""Syvj°¥'' ).

WÒj]pOU WL¡cV AUYvOU Syvj°¥ NkSpL^jRÕaO¾OÐ kƒU, WÒj]pOU WL¡cV AUYvOU

RIy]RIy]RI mLËV yopL yop°t]¤ Ar]p]ÖÐ v|vòW¥ÖU j]mÌjW¥ÖU

v]SipoLp], Syvj°¥ DkSpLY]S¨ºfLeV. Syvj°¥ DkSpLY]ÖÐ WL¡cV

AUY¾]jV(AUY°¥ V̈), AvRq yUmÌ]ÖÐfLp I¢Sz¢yVcV ScãL D¥RÕRapOç \]s NkSf|W

v]vq°¥ WÒj] DkSpLY]ÖÐfLReÐ vñOf SmLi]Õ]\ÿORWLºOç SjLŸ}yV, mLiWoLp IsæL

j]po°¥ÖU AjOyq]\ÿV sn]\ÿ]ŸORºÐV WÒj] DrÕO vqOS¾ºfLeV. r]SÕL¡ŸOWtORa

v]wWsj¾]jOU, lp¤ IWõVNaLWVãOW¥ÖU Svº] cT¦SsLcV R\pÅ cLãàOU, Syvj°t]¤ j]ÐOU

JfV DSÇw¾]jOSvº]pOU cT¦SsLcV R\pÅ cLãàOU WÒj]pOU WL¡cV AUYvOU kP¡¹oLpOU

D¾qvLh]pLp]q]ÖÐfLeV. Syvj°tORa DkSpLYU yUmÌ]\ÿV DqO¾]q]pOÐfLp IsæL

RWæp]oOW¥ÖU, mLi|fW¥ÖU WÒj]pOU WL¡cUYvOU RIy]RIy]RI mLË]Rj AkWaqz]foLp]

j]sj]¡S¾ºfLeV. CT \Ÿ¾]R£ DSÇw¾]jLp], RWæp]o]¤ D¥RÕaOÐvp]¤ v|©]Yf kq] V̈,

y~¾Vjì°¥, jLw°¥ (sLn¾]R£ ARsæË]¤ yÒLh|¾]R£ kSqLƒoLp, AjÍqls°tLp,

NkSf|WoLpOç, oLfQWLkqoLp, w]ƒL¡zoLp ARsæË]¤ pLhQé]WoLp jìU) jì°¥, k]uW¥,

36

RRljOW¥, SWyOW¥, R\svOW¥, v]sW¥ (ASãL¡e]pORa l}yV D¥RÕRa) IÐ]v DºLWOU

(""RWæp]U'').

""mLÈ|f'' IÐf]R£ A¡ÀU JfO ff~°¥ÖU JfO q}f]p]sOç Nkv¡¾j°¥ÖU W}u]sOçv

JfO mLÈ|fpOU IÐOU, j]po¾]SsL fOs|fp]SsL, D¥RÕRapOU kq]o]f] WPaLRfpOU, WqL¡ ARsæË]¤

WOãWQf|U, AèÈ D¥RÕRa, D¾qvLh]pLp kL¡Ÿ]Rp A¾qU jLwyLÈ|fRpÖr]\ÿV Ar]p]ÕV

j¤W]p]ŸORºË]sOU IÐOU, WPaLRf oãOttvqORa mTÈ]W y~¾vWLw°tORa sUZj¾]jOç mLi|f

D¥RÕRa, ARsæË]¤ oPÐLU Wƒ]WtORa (mLi|f), RWæp]oOWtORa JfO mLi|fpOU (""mLÈ|f'')

IÐOoLeV. WÒj]pORapOU WL¡cUY¾]S£pOU A¾qU Syvj°tORa DkSpLYU, IsæL yop¾OU,

yopL yop°t]¤ SnhYf] R\áRÕŸ q}f]p]sOç v]yL C£¡jLxe¤ KLÕSrã]°V RrYOSsx¢y]jV

v]SipoLp]q]ÖU.

WL¡cV AUY¾]jV Cx|O R\pÅ, WL¡cV AUYvOU WÒj]pOU WPŸLp] mLÈ|òqLp]q]ÖÐ WL¡c]R£

DkSpLYlsoLp] DºLWOÐ WL¡cV A¨Tº]Rs IsæL \L¡²OW¥ÖU KLSqL WL¡cV AUYvOU WPaLRf

WÒj]pOU WPŸLpOU RvSvÿRrpOU mLi|òoLp]q]ÖU. RIy]RIy]RI mLËV WL¡cV A¨Tº]SÓ¤

WL¡cV DkSpLY]\ÿOºLpfLp IsæL \L¡²OWtOSapOU KqO SðãVRo£V, WÒj] V̈ Ap\ÿO

RWLaOÖÐfLeV. IÐL¤, WÒj] j]¡Çw]ÖÐkƒU, RIy]RIy]RI mLËV KLSqL WL¡cV

AUY¾]jOU KqO SðãVRo£V Ap\ÿO RWLaOÖÐfLeV. A¾qU SðãVRo£W¥ IsæLU WL¡cV AUY¾]jV

mLiWoLp j]mÌjW¥¨jOyq]\ÿV j]¡mÿÌoLpOU Aa\ÿ]q]S¨ºfLeV. WL¡cV A¨Tº]SÓsOç

IsæL \L¡²OW¥ÖU WÒj]Öç mLÈ|f WÒj]pORa j]¡SÇwNkWLqU SðãVRo£V WL¡cV AUY¾]jV

Ap\ÿO RWLaO¾O IÐfORWLºV KqO fq¾]sOU Ku]vLWOWp]sæ. WÒj] Af]R£ m]sæ]UYV v]sLyU,

mÌRÕSaºfLp jÒ¡, Bwp v]j]op°¥Öç C&Rop]¤ RIc] oOfsLpvp]¤ DºLWOÐ JfO

oLã°tOU DaRj fRÐ RIy]RIy]RI mLË]Rj Ar]p]ÖÐf]jV yÚf]ÖÐO.

WL¡cV rÇV R\á¤ ARsæË]¤ yRy×£V R\á¤

RIy]RIy]RI mLËV Af]R£ kP¡¹ v]Sv\jLi]WLq NkWLqU, WLqeoOºLp]SŸL WLqeU

WPaLRfSpL, Af]R£ nLY¾V pLRfLqO fq¾]sOç mLÈ|fpOU WPaLRf, WL¡cV A¨TºOU JfV

WL¡cOU(WL¡cOWtOU) rÇV R\SpÅ̈ LvOÐfLeV. RIy]RIy]RI mLËV JRfË]sOU WL¡cV AUY¾]R£

WL¡cV rÇLÖWpLReË]sOU, WÒj]pORa ASkƒ NkWLqU WL¡cV rÇLÖWpLReË]sOU,

RIy]RIy]RI mLËV WÒj]Rp v]vqU Ar]p]ÖÐfOU, WÒj] RkRŸÐO fRÐ WL¡cV AUYR¾

A¾qU CsæLfL¨¤/rÇL¨¤ Ar]p]S¨ºfOU, CsæLfL¨]p/rÇL¨]p KLSqL WL¡cOU

SwXq]ÖÐf]jLp] kqoLvi] èo]S¨ºfOU, Af]Ss¨Lp], KLSqL WL¡cOU jLsO Wxe°tLp]

oOr]\ÿ̂ V Af]sOç SzLStLNYLoOU oL®ã]WV RRNðÕOU jw]Õ]¨RÕRŸÐV DrÕV vqO¾] RIy]RIy]RI

mLË]¤ yo¡Õ]S¨ºfOoLeV. WÒj] KÕU/ARsæË]¤ WL¡cV AUYU RIy]RIy]RI mLË]SjLaV

JRfË]sOU WL¡cV AUY¾]jV Cx|O R\pVf WL¡cV JfO yop¾OU WLqeS¾LRaSpL WLqeU

WPaLRfSpL rÇV R\áL¢ ASkƒ]¨LvOÐfOU, 45 (jL¤k¾]AµV) h]vyR¾ SqXLoPsoOç oO¢WP¡

SjLŸ}yV CT v]sLy¾]¤ j¤SWºfOoLeV: RIy]RIy]RI mLËV s]o]ãcV, RIy]RIy]RI mLËV

SlL¦ mLË]UYV Ry£¡, RIy]RIy]RI mLËV av¡, 7&LU j]s, y¡Svÿ jÒ¡ 115/27, SkæLŸV jÒ¡ 12,

jjNWLUYOc, Ryq]s]UYUkç], RRzhqLmLhV & 500032, CÍ|.

WL¡cV CsæLfLÖWSpL/rÇLÖWSpL R\pÅf]jO SwxU WL¡c]SÓsOºLWOÐ IsæL \L¡²OW¥ÖU,

WL¡cV Cv]Ra kqLo¡w]\ÿ v]i¾]¤ RIy]RIy]RI mLË]¤ f]q]\ÿOs]n]ÖU vRqpOU WÒj]

mLÈ|òoLp]q]ÖÐfLeV. WÒj] RIy]RIy]RI mLË]Rj WL¡c]R£ rÇL¨¤ oPsoOºLWOÐfLp

JfV/IsæL jì°¥ÖU (RfãLpSfL ARsæË]¤ or]S\ÿL) mLÈ|fLoO©vOU AkWaqz]fvOoLp]

j]sj]¡¾OÐfLeV. KqO WL¡cV rÇLÖÐf]jLp] WÒj] j¤WOÐ, WÒj]p]Rs S^Ls] AvyLj]Õ]\ÿfLp]

Ar]p]\ÿORWLºOç j]¡SÇw¾]jV, AfV sn]\ÿfLp] yÚf]\ÿORWLºOç Rft]vV yz]fU SqXLoPsU

j¤WL¾kƒU, NkLms|oOºLp]q]¨]sæ.

v]vq°t]SsÖç NkSvwjU

WÒj], RIy]RIy]RI mLË]jV, JfV WL¡cV AUYR¾pOU yUmÌ]ÖÐ So¤v]sLyU,

\OãOkLaOW¥, RfLu]¤ v]vq°¥, ARsæË]¤ A¾qU WL¡cV AUY¾]R£ WL¡cOkSpLYU

oOfspLvRpÖr]\ÿV RIy]RIy]RI mLËV yLiLqe j]sàV ASkƒ]ÖÐ JfV v]vq°tOU

sn|oLS¨ºfLeV. WPaLRf, WÒj] RIy]RIy]RI mLË]jV, ASkƒ]ÖÐ oOràV, A¾q¾]sOç

DkSpLYvOoLp] mÌRÕŸV sn|oLp SqXWtORa SWLÕ]W¥, yzLpW SqXW¥ IÐ]vpOU

37

j¤SWºfLeV. WPaLRf, JfV ASj~xe°tOU, f¡¨°¥, v|vzLqU ARsæË]¤ WL¡cOkSpLYvOoLp]

mÌRÕŸOºLWOÐ j]po jaka]W¥ IÐ]vp]sOU WÒj] RIy]RIy]RI mLËOoLp]

yzWq]ÖÐfLeV.

AvyLj]Õ]¨¤

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If]¡ Wƒ] V̈ j¤W], AvyLj]Õ]¨LvOÐfLeV. NWo}WqeU AvyLj]Õ]¨¤ WL¡cV A¨Tº]sOç

IsæL WL¡cOWtORapOU rÇL¨s]jV CapLÖÐfLp]q]ÖU.

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