Sie sind auf Seite 1von 15

VOLUME NO. 1 (2010), ISSUE NO.

5 (SEPTEMBER)

ISSN 0976-2183

CONTENTS
Sr. No.

Title & Name of the Author (s)

Page No.

!
"

"

!&

'
&

&
++
"

&&
++
,

+
.

&

1
"

!&

"

&

"

# $ % &'(& ) &"

* "

% 1 0% #%

, &-. ''-" / 0

$ # "+

" $

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

!
39%

8
8

" % % %
"
0

39%

ISSN 0976-2183

"

"+

+ 0 62
0"
0
"
#
"8
) # "
"
3
") <
")
9 4 %"
:2 9

"

% %
5

<

2
% )% %" % %
2
)
0 " % % %" + % )
2
" %)% %"
2
")
1
2
:
%;"
2
6)
0 " %

# 0
" 0

"

:+ %;

"+

% %" % %$% %5%" $


#
%

%6

3 #% 6 2

%"

2
1

# %" =
" 5% %
# "

# "

#" :)% %;

%)% % %" % %$% %5%" $

2
2

"

2
" % $% =
$23 $ 2 $ 4

5 $ 4 ! 3 3

)+ $ )

% 1 0% #%

# "/ 0
3 )3 6

#
$

3 3$2
(7

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

ISSN 0976-2183

2
!

"

# 0

<

,
< 5

#"

"

"8

"

2
!

"4 0

" 5% % %

2
5% % % %"
2
% % % %"
:

# % %5
1

2
;"
9
2
% % % %"
2
"= <
2

# 0

"

"

"

1
"

"+0

%5

"

"=

" 0

<

"

0 "+0

<

2
"

0
2
!

"=

"=

<

" % %2% %"

2
"=

<

"=

<

2
" % %4%$%

%)

# "!

2
"=

<

"=

<

2
%

" $% %2% :5

;" =

<

2
%

"
2
+

% !% % )

"

# )

3 #%" +

"

"=

# "

<

2
" % 4% $% ) # " / 0
2
" % % %=%4% % ) # "

$ #
" 0

2
8

"

"2

"!

2
4

"

$23 $ 2 $ 4

# 0

"

5 $ 4 ! 3 3

<

)+ $ )

% 1 0% #%

3 )3 6

"

3 3$2
.'

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

2
:) );"
2
"5
2

") 0

"

"
+

#
)

) 0

"

") 0

% %5

# "=

"

<

2
" % % % % %"
2
) 0
2
0
3
2
0 " % %

ISSN 0976-2183

"=

" % $% =

# "/ 0

"

"

<

<

# 0

" % % 8% )

# :4

"$

;" 0

# 0

62

# " 0

2
4

"/ 0

3 #
/ 0
4

#62
# "+
2
" 3%)%)%"

# "8

" % %

"

"

2
"+

# "

2
%4

"

3 #

#62

# "=

2
4

"+
2
!

3 #

#)

" %$%8%"

# "

"+

2
62 9
0

" > ?@("


2
") 0

2
1 6+

"

% ?"

"

<

"+0

+# )

")

5%2%

2
6)

$23 $ 2 $ 4

5 $ 4 ! 3 3

"

)+ $ )

% 1 0% #%

3 )3 6

3 3$2
.&

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

ISSN 0976-2183

0
B

#
0
D

<

"

"0 <
#" +
%2 1

"

< #"

"

%2

"

E 1 0% #%

1 0E#0 % 0%

34 56789
)

F :;<6))68= 8>

?=:)@96A7%

4?9 69"
!

0
#

:;

"

%!

0
0

" DB

0 :;

: ;%
%

?<4 8> 8994)A8=56=B :7389 C)D


F
#

F
$ 0

: ;F

$ 0

30

: ;F
: ;F

A%

0
#

&G 0 #

3 #
0"

"

( *
# %

#% 0
20 $

&A

# %

-%

&(

20

"

%
(%
&'

C D #
20

2
$

:;

.%

*
<#

" 0 "0

"

H%

$23 $ 2 $ 4

9"

% 2

"

0 D

<

"

0 90 0

%2

@%
?%
7%

: ;" 0
%
# -''

00
%4
" 2 0
#
2
%

0 "

#
<

9
0

&A
"

&A
#%
20 $
6 0

5 $ 4 ! 3 3

0
"

20

"

)+ $ )

% 1 0% #%

!
"

%2
1

3 )3 6

"

3 3$2
.A

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)


&'%

ISSN 0976-2183

#
0

%2

:;

<

<

"

#;

:A'99;"

:&77@;"

$
<

<
"

"

%
:A''&;"

"

I
:

0
#% 2
0

#
:45 )D

"

B
#

:;

0
#F

9 :

:45 ;

%2

"

< #

"

3 #

"

<%

0
0

%
"

0 <

"

3 #

"

"

0 0

"

;%
44 734 >8EE8F6=B >89 )7GE4 ?=5 A:=@7:?768= 6= 4>494=@4)

88H)
9"

%" )

< " +%4%

"

% %B #

%" :&77H;" J4 #

# 0

:&7H-;" J!

%J 2

"+

"J

8=796;:768=) 78 ;88H)
0 2%" =
" % :A''?; 3
)
6$
)
"

#F
#

) 0

) 0
)

# ")
")

"
&."

A?@ -'-%

8:9=?E ?=5 87349 ?976@E4)

0
3

" %B%" +
" %)%
0 " 8 % A&" $ % &"

" =

) <" %4% :&7?@;" J


% ?- &'(%

:A''?;"
# 0

) 0
" 8 % &" $ %(

2
% (-( ((7%

#!

"J

#"

8=>494=@4 A?A49)
)

# 0

=% % :A''7;F J3
"$
"

) 00
" &7,AA

3
%

%J

=A:;E6)345 56))497?768=) ?=5 734)4)


= 0

% :A''H;F J)

) 0

"J 2

"=

<

=E6=4 94)8:9@4)
"

4;)674

FDD

= <
% D

8% :A''7;F 2
D
D

$23 $ 2 $ 4

" 3

B < " 8

&&

A''7

%1

5 $ 4 ! 3 3

)+ $ )

% 1 0% #%

3 )3 6

3 3$2
.-

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

ISSN 0976-2183

'

2 )+
2 5$ 83

4 ! 5 $3
2/ : !! )
5 ;
C
D $++ ++$

) 23
!3
)+ 6 3
2 3$2 ! )
3 )3
5 +
) 443 3 : 52 $
5 ;
$
+

% % 3 3
% 8% 8% %

!"#$%&! '()* %" +)+" * ,$ -"&$% !(% . "#(! / .(!0 "$ " 1234+ 56&" " &%"#$/-!"&$% $7
!"#$%&! # !$#/ * " $/ $7
(!!$-%"&%8 (%/
.(+ / $% ! 9- :! (#&%8 +)+" *+ &% "
, #"
(+" "6$ / !(/ + &% %/&( '$+" &*' * %"("&$% $7
.(+ /
! (#&%8 &% 12;< $" # '()* %"+ +)+" *+ &0 !(#/ .(+ / '()* %" +)+" *+
(%/
(, !$* -' (%/ " ) $77 # ( /&77 # %"
+ " $7 !('(.& &"& + 7$# " 6 $ +( (%/ # "(& !-+"$* #+ + ( # +- " $7 " " ! %$ $8&!( / , $'* %" " '#$'$#"&$%+ $7
!"#$%&!
"#(%+(!"&$%+ .$" &% " #*+ $7 ,$ -* (%/ ,( (, &%!# (+ / + (#' ) " &+ &%/ / (#" %&%8 "$ %$" " ("
!"#$%&! '()* %" &% %/&( (+
+ % ( -8 8#$6" (%/ " &+ (-8-#+ 6 7$# " !$#'$#(" + !"$# (%/ "
!$%$*)
*(&% '-#'$+ $7 " +"-/) &+ "$ (%( )= (%/ >(*&%
6 " # !"#$%&! '()* %" +)+" *+ (, . % 8#$6&%8 (%/ 77 !"&, &% %/&( /-#&%8 " ' #&$/ $7 +"-/) -#" #*$# " &+ +"-/) # , ( + " (" (
!"#$%&! *$/ + $7 '()* %"+ (, + $6% -8 8#$6" " (% " ' )+&!( '(' #: .(+ / '()* %"+ &0 ! 9- + $# /#(7"+ (#/ .(+ / '()* %"+
!$%"#&.-" . "" # "$ " "$"( '()* %"+ &% " #*+ $7 .$" ,( - (%/ %-*. # 6 # (+ ' )+&!( ! 9- : .(+ / ! (#&%8 !$%"&%- + "$ + $6/$6%
+"-/) ( +$ + $6+ " (" !-+"$* #+ '# 7 #
!"#$%&! *$/ $7 "#(%+(!"&$% "$ '(' # .(+ / &%+"#-* %"+ " !(% # +- " &% # /-! / '#&%"&%8 $7 %$" +
! 9- + ++ "#(%+(!"&$% !$+" (%/ ++ "(> ,(+&$% (%/ '#$*$" + .(%0&%8 (.&"+ $7 " ' $' (%/ '(' # ++ :.(%0&%8 %,&#$%* %" &% %/&(
+"-/) &+ .(+ / $% + !$%/(#) +$-#! + $7 &%7$#*("&$% !$ !" / 7#$* ,(#&$-+ +$-#! +

"

"3

"3

"
L

0
#
0
0
#

<" 0

"
%

0
# *
0 0 &;
0
:3 ) 00
;
0
0
%B

"
00
%
00
0

0
0

0 < "

# *
K

0 #

0
#

0
0

<
0

"

0
# #

"

0
%2
9

"

0
3
"
0
0
0

:3
:

0
"

% 2
0
C

#
0

"
0

0
%2

0
0
"

0% 2
0

0"

0
0 "A;

0
#
0

0
"

0"
#

-;

&-

%$

0
00

#0
0
0 < "
:3!2;
0
"
#

0
0
0 <

<

<

%
0

"

0 <

)+ $ )

% 1 0% #%

0 %
%2

%2
C ;

5 $ 4 ! 3 3

0
<

<"

"

00
#
0 "0 <

0
0

<
0

#
0
0

0"
0

# %
0%2

0
0

0
#

%2

$23 $ 2 $ 4

0
0
&77' "

0 %

"
0

0
3

0
0

0 %
"

"

0 %2
"

%2
9

) " $3!2%

0
%2

0 #

0
0
0

< #"

0
0
0

0
% 3

0
0

< #"

0G

" 3) "

0
0

0
0

00

%
#

9
<
0

3 )3 6

# *
#
<
F

%"
0

0
#

"

#
"

3 3$2
.(

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

#
")
0
00

"
00
# :3 ;"
< #%

"
# "3 #
0
0
A)

#
"

0
9 0

"
I 8)7 2
0
%3 0
I =8=G<67G
0

"0
< %
0

<

<

<

3
#

#
-'

0%+

= #

" .(

0
#

"
%2

0
0

"0
0

%2

"
C

0
:

0
;" #

:
0

;
00
:)

"

"

"

0
#
0

0 ;%

"

# "

0"
0

, A :
;"
0

#
0
0

0 < #
0

0
;" A) :
# "

% 2

<

#
;

#
%
"

;" A :
"

%
0

0"
0

< #%

I =6J49)?E67G 2
00
0 < #
)
0 ;" A :
0 ;" A :
#
0
%
I )?;6E67G 2
0 0
*
0
#
#
I =7498A49?;6E67G 2
0
0
I 779?@76J4 2
0
0
"#
#
#
0
"
I A445F 2
#D
0
0
0
I 98)) ;89549 A?G<4=7)
0
0

0;
"

#
0 #

:
%4

N2

O 3L

%
0

%
%

"

"
"
0
0%

#
<"

C
%

: %#%
0

0
#%

#
0

0
0

: #
%

"

0
C

:
#

%2

0
0 <

0%

2
3

#
B

0
0

A''H%2

0
00
I @@4A7?;6E67G
<
M 4@:967G 2

0 %2
0

<

0
0 AH
#
#

ISSN 0976-2183

0 <

"
0 %3

#F
<

0 0
0

<%
#

#
0

% &-

#
)

"

<
<
0
%2
0
%2
0

!
#

0
#
?H
:&. 0
&H
< ; % 2 3)
:3!2;
0
<L

0
<" -0
<
3!2"

<

%3

)
%2

&.

)
<
#+

0 :3) ;"
1
#
D #
: 3!2;

&: )+;
!

2
0

3!2%

&@

G %

!
#

"
0

%2
0
0

2
0

0
0

#
#
0
0 0

0
0

:
9

#%
;%

0
#

A&

0
##

$23 $ 2 $ 4

9
9
"

0 "

"

#
0
0

<

"
9

<%!

5 $ 4 ! 3 3

%
#

)+ $ )

% 1 0% #%

:A''';
0

3 )3 6

0 < "

<

3 3$2
..

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)


* #
0

0
# 0

00 0

0
#"

#
A
0 &77& % 2
0
,
3
)
#
3
!
2
20
$3!2
0
C
" 0 0
0

# 0
%2

< #"

"
0

0
2
0

< #
#

"

ISSN 0976-2183

0
# #

0
1

#
F
3
%3
0
"
&7?'L
&77'%
:3) ;
&77'L %
:3!2;
A'''L %
0
: 2 ;&
" A''(%
3!2D 3!2 A''.DA''H%
0 $
A''@%
< #
0
0
<
0 %

0 < #

00

% 2
0 # #3

<
%2

9"
3

0
0 % #
#

< #

$
<
* #
#

0
9

<
0

0
0
)

0"
"
:3) ;

<

:
2

*
#
#
:3!2;% 2
!
$
0 :$ ;

#
0
*
0
< : $! $32;"
!

C
C

%!
#

3
#
3
!
#
#
#
"
#
#
0
2
0" )
* !
# 0
0 :)! ;" $ #
#
# #
0
: ! ;
) C 2
0%
2
#
0
%+
"
<
0 <
0
#
0 "
0
:
#
0
"
0
"
%;% 2
0
<0
:
#
0
;%
<
0
0
<
0
: $ ;
% 2
20
0
: 2 ;
0
0
0
)
0
0
0
0
0
<
0
: ;"
"
<
"
0
<0
%
2
0
HA"'''
7(
<
$ 0 " A''7%
&(
A'&' $3!2
<
#
3!2D$3!2
#
<
: ;
<
#
0
H7-7.
&-" A'&'% 2 0 0 0
2
% &" ''"'''"
0 0 0
$3!2
0
% &" ''"'''%
2 $3!2
0
0 A& $ 0
A''.% $3!2
<
#
3
!
2
: 3!2;
#% $3!2
0
!
# #
: ! ;
0
=
: =;
%
0
0
3!2
< 0#
$3!2 &.
0
A''.% $3!2
#
<
0
# 3!2"
3!2
0
0 &
A''H%
<
#
%
2
$3!2
< #:
< #;
9
90
(- 0
0
< #
#C
# # " A''7"
&.
0 #
0
%) < #
0
< #
0
(' 0
< #
" A? 0
C
A& 0
%
< #
0 #
%& . <
0 #
0
H'
0
< #
#
0
< "
# #
% ))
<0
##
0
&@%@. 0
% + !)
0
7%& 0
<
H%&- 0
%
"
<
0
< #
0
1
% .'''D
0
%&'" '''D
0
#
#
D
%2
0
<
D
D
%
<
0 0
< #
0
0
< #
%
< #
9 #
<
#
< #
%!
#
%J 0
"
<
0
#
"
0
0
< #"J
#
0
#
%
2
0
#
<%
0
R?'.
A''?"
0 RH.(
A''H"
R&%(
A'&H%
5 "
#
<
0
%
* #
#
#
%
9
<
#
%
< #
#
#
<
5 %+ "
0
0
9
< #%

<
< #
#

# :A'&';"
#

K
#
"
< #

$23 $ 2 $ 4

< # ,3
0

#0
0
"

#
#
"

5 $ 4 ! 3 3

0
< #

"
#

<G

0
0

)+ $ )

% 1 0% #%

0%

"
#

%
#0

3 )3 6

< #

3 3$2
.H

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)


<

<

0
4

"

<
0

<
0
0 <

0% 2

<

C
00

"

0
00
0%2
"#
00

#
0

<

"

0
#
#

00
"0
0
0

"
0

"
#
"

0
0
0 "

0
#

"

%2

"

"

"

0 %2

00

0
#

#
0%2
0

#
%!

<
" < 0

0% 0
"

0
0

0"
#

#
%2

0
0

< #

0
0

0
0

0 1

"

32!
0

0
9
0
0

"

00

# 9

<

%2

"
7

#
0

< #
9
"

<

0
00
"

#
0
0
*

"
0 #

#
" 3!2

"
" ( " :A''?;

0
< #

%
3 # :A'&';
0 #0
0 # #
4
#
0
0
0 # 0
0 1
:A''7;
0
0
0
L
%

"

ISSN 0976-2183

"

9
0

0%

:A''?;

<
0
0
0 %G
#
" 2 D
0
#
2 0
"
0
0 < #
0
%
# " 0
0
< #
0%
0
< #
"
0
#
#
Q
1
%
<
:A''@;
#
0
0
0 # 0
0
# 0
< #
0 # 0
C
0 %
0
#
0
#
:3) ;
0
0
#
#
0 #
0
0
0
%
" ( :A''(;
9
0 <
#
#
#
0 <
#
0
%
:A''';
##
#
#
< %!
0
0 < "
<
#
0
< #
#
C
0
%
0 # 0
00 0 "
#
%
!
" ( :&77?;
5% %
#
0
0
#
0
< #
0
<
0
0 %
0 "
<
"
" 1
<0 # 0
#
%
)
:&77?;
0 0
32"
#
0
<
" #
"
2
0
0 <
0
#
*
#
"
<
<
H
0
0
%
0

#
"

#"
0
0

< "

#
0
%2
0

0
#

%
1

&
2

0
< B

%2

#
:!/;

0
# -&

<"
1
A''- '(

"
A''7 &'% 2

"

# %

*
#

%
0 %
2
A''7 &'
%

&6A

0
0

# #

#
0

@7%..
&A%@H
#

$23 $ 2 $ 4

#
3

0
#

0 %2
# A''? '7" 3
?@%.(
&(&%H&

0 % 3)
#

"

:3) ;
#
#

0 "
&-%@(
(%(A

5 $ 4 ! 3 3

#
#

-& 0

A''- '(
0
A.%7&
3!2D$3!2 #
0 "
)
#

0
-H%?H

&A%?'
(?%&0
0

)+ $ )

% 1 0% #%

%2
((%.H

%2
H%7A

3 )3 6

3 3$2
.@

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)


"

0
#
# !/ A''@ '?
# A''? '7% 2

0
"
0
0
"
0 (&%-.
A''? '7%
< # "
: ?@%.(S;
3)
# A''@ '?
0
#
0
0
< 39
# :
# A''? '7 0
0
#
#
3)
#

0
.&% 7?
0
#
0
3)
3)

0
#

#
A(%@.
0

# %2 #
-(A%&'
#
0
3) ,
%
0
"
%2

A''? '7;% 2
0

0
# A''? '7

"

%2

$3!2
2

#
#

# A''7 &'" 3)

HA%.-

A'%H(
0 %

&'H%A@
<

0
#

:-@%&'S;
0

0 :@%.-S;%

:&H%.&S;
0
:&A; 0
0
#
#

#
0

%2
##

0
0
0

0
#

#
:

0
< ##

"

; 3
0 #
0 %
##

0
0

# 0
0
C

0
0

2
<

C
0

3)

0
0

0
#

#3

3
0 %2

#
"

#
%
0
"
?'

0 <
0

0
C
0 1

0
%
0

0
0

<

0
00

2
# $3!2

3
3 "

0
"

%!

%
0

<

#
#

"

9
#

%
#

#
#%
0 1

"

%2
&" A''7"
<
%2
"
%
0

%
#

0
0

0 #
%2
# #
#

%
;

< "#
# *

0
0

0
#
C

%
0

0:
# "

0
9

0 %
0

# 0

0
0
"

#
0

%
3

<

0
<

0% 2
0
0#
0

:
0

0
0

#
<

%2
A''7 &'"
:-; 0

0
#

A''- '(

3
%)

#
;

%2

#
0

&&%'A

A''7 &'"
#
0

ISSN 0976-2183

#
0
0 "

"

+
D
+

#
#
"<

#
#

0
0
0

"

0 0
0 <

0
00
0 "

"
)

0
#

"

9
0

#
"

0
<

< #
< #
"
% !
0
0 %

0"
%

<
1

% "
0

0
"

0
#

0
0

#
"0

0
0

%
0
0

0
0

0
0

<

#
:3

0
0

%2
< #
%2

&%

<

;"

< #"

% 3

"
#

0
"

"
# "

# #

0
"
< #

# ":A'&'; K

$23 $ 2 $ 4

%2

0
<"

#
%

0 %2
"
%

0
" 1
%2
0

0%
0

0
0

%2
"3

)
<
"

#
0

"
0

5 $ 4 ! 3 3

< G"

)+ $ )

% 1 0% #%

C
#

<

< # ,3

<

%/&(% (%0 #"

%8 :(;

3 )3 6

%(H .'%

3 3$2
.?

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

ISSN 0976-2183

A%
<
%% :A''@; KB < #
0 # 0
, 0
0 # #
0
%G
%/&(% (%0 #" %A
:%H; %&? AH%
-%
<
L:A''?;
< )
0
0
0
(%0% "?+ $-#" %" #%("&$%(
$%7 # %! $% ()* %" )+" *+
&H"
0 F2 1 4
3
FDD
%
<
% 0D
<D
% 0%
(%)
:A''@; K3
0
%G 2
< "
" %A :H; % &( &H%
.% )
:&77?; K
#
0
F2
# 0
< #
%G
(%0&%8 (%/ &%(%! $% " %" #% "% $
/ <F
B
%)
%&%
H%
% :A''';% K2
00
# %G $-#%( $7 %" #% "
(%0&%8 (%/
$** #! "
%-:%-;
F
%
% 0D 00
D )D
D 0:
@
A''&;%
@%!
" = 4 #" B%B%
$
3%
:&77?; K2
#
< #
0
"
0
< G"
77&! $7 "
$%"#$ # $7
)
"T
" %&@ :-;
0 "
?% 4
3 # ":A'&';
# 3!2 !
2
#
#
<
!
2
)
0 "
< L
0 "
#"
" &@" - :
FDD
%
<
0 % 0D D
#3
!
2
!
2
#%
A.
" A'&' 2A-%.' ;
7%
)% : A''H ;
#
%" #%("&$%( !$%7 # %! $%@ $ 8
0
@
0
@
#
$
%
FDD
% % #% D
D$ 0
#.(% :
&?
" A'&';%
&'%
% )% :A''?;
4 < #
3
0
< "
%7$#*("&!( !$%$*&!A % &:(.; &A' &A-"
&&% 1 % "
0 # %
0 % :A''?; K3
0
F
0
G
$7 %" #% " (%0&%8 (%/ $** #! "
%&-":&;
%&@%
&A%
<
: ;":A'&';
< #"
"
"
&-%
0
0
8
A''7 &A%
&(%
"
<%
2
"
00 :A''(;
0
0 <
#%G $-#%( $7 %" #% " (%0&%8 (%/
$** #! " %7 :%&;
%
% 0D 00
D1 D'('A%'AD 0% U
F&???%
&.% 0 1
% :A''7; B * #8 %! $7 '()* %"
0
#
3
) 00
GF 2
G $.( $-#%( $7 %" #%("&$%(
-+&% ++ + (#!
% A:A; %&@ -H%
&H%
&@%
&?%
&7%
A'%
A&
AA%
A-%
:

%
FDD
FDD
FDD
%
FDD
FDD
FDD

% #% %
%
<
% 0D
< #D.&&-% 0&@%
%
% 0D DA''7D'?D&@D
% ## % D0
< #
0 <
% #%
% <
% #D < D3
U 0
% ## % D
0
D 0
0
%
0 % 0D
D
A@" A'&'" '?%.& 0 2;%

DA''7'?&@.'&-'(''% 0%
A7@D
A.
"A'&'%
< ##
A?.HD
D
< #
#

< #

DH&??'7H% 0

"
?E:4 8> 9?=)?@768= 7398:B3 E4@798=6@ ?=5 ?A49 ;?)45 ?G<4=7
>98< ++ +! 78 ++* +
C ) 6= @9894D

47385)

3!2D
$3!2

3) :)

A''- '(

&@"&A.

&'"AA?

A"A.(

&@"HH-

("?@(

&"&."7."7H'

.A"&(-

A''( '.

.("H'&

A'"&?'

A"7A&

A."H?H

."-H&

&"'(".?"?7.

&"'?"@.'

A''. 'H

H&"A??

-A"-A(

&A"7?@

--"??H

."?7@

&"&-"A7"&-(

&"(H"-?-

A''H '@

@@"((H

?-"A@-

A."(('

(&"-H&

?"&@A

&"A'"(A"(AH

A"-."H7-

A''@ '?

&"('"-AH

@"?A"AAA

(?"7-@

.@"7.7

&A".A&

&"--"7H"'HH

&'"(&"77A

A''? '7

A".&"7.H

7@"(?@

HH"7@H

H."-.H

&?".(@

&"A("H7"&-.

."''"-AA

A''7 &'

("'7".'@

&"&@"H&-

H7.A(

HA"??A

AH"(&?

&"'("'7"7(A

H"?."7((

?&%&7

?-7%-.

7A%-H

('%&-

.-%AA

&&%A(

-(A%&'

:S;
A''? '7

@7%..

?@%.(

-H%?H

&A%@H

(?%&-

:S;
A''7 &'

HA%.-

:S; A''@
'?

A'%H(

'-%@7

"

< #

5 $ 4 ! 3 3

'-%?'
F

$23 $ 2 $ 4

3) :

)+ $ )

% 1 0% #%

(A%((
:

C
M

'H%7A

3 :2

.&%7?

" A'&';%

3 )3 6

3 3$2
.7

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

" 3) 3
$3!2 $

)
3

ISSN 0976-2183

" 3!2 3

"

8E:<4 8> 9?=)?@768= 7398:B3 E4@798=6@ ?=5 ?A49 ;?)45


>98< ++ +! 78 ++* +
C ) 6= E?H3D
)
3) :)
;
3) :
;
)
MM
A'-%''
@7%''
&"''&%@7
(''%.&
&.-%''
&"A7(%@A
((A%&H
-.7%.?
&".H'%?H
H7'%&7
@.A%'A
&"H7.%-H
@?-%H.
&"A@&%A'
A"A?A%'??-%7(
&"H''%..
A".7.%H&

?G<4=7

47385)

'(
'.
'H
'@
'?
'7

3!2D
$3!2
'?%&7
A.%(7
-'%H@
(@%@H
&--%&.
-A&%H&

A''7 &'

HH-%-?

7?&%--

&"(7A%?&

A"-(&%7&

&"@'&%@'

&-"?'-

@"&?&

&@?%@?

&-%.@

H7%'(

-(%H'

(H%@(

'H%?A

(&%-.

&(&%H&

&A%?'

A.%7&

&-%@(

((%.H

'(%(A

A(%@.

&'H%A@

&&%'A

--%-&

/
A''A''(
A''.
A''H
A''@
A''?

:S; A''@ '?

:S;
A''? '7

:S;
A''7 &'

'H%@-

$-#! C
E $# " (% ;4 ' # ! %" $7 "

$23 $ 2 $ 4

$% ) (%/ (%0&%8 :

! 9- + .) ,$ -* 8$" ! (# / &%
II

MMM

0
#

'7%@@

#
A''- '(

C D
M
&'"AA?
&&"HH7
&A"?H?
&-"H@&("H'H
&-"7@(

3 :2

&"H@'
A"A?7
A"?.'
-"@?@
."-.H"H@?

$%" ) - "&% -% D414

(8% "&! %0
)
%

(#(!" #
:

A''( '.

5 $ 4 ! 3 3

)
MMM
-@@%.@
(&.%-A
(.H%?H
H'&%@@
??-%'H
&"A@H%.(

)+ $ )

% 1 0% #%

!$8%&"&$%
;

) ;

%
A''. 'H #

3 )3 6

3 3$2
H'

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

ISSN 0976-2183

Fig 1: Growth (%) value of Payments


Cheque/DD(%)
E-Payments(%)
400
%

300
200
100
0
200405

-100

200506

6B

2006- 200707
08
Year

98 F73

200809

200910

8E:<4 8> 79?= ) ?@ 768 = C ) 6=

?H3 D

A.'''

&.'''
&''''
3

3 $2

) +3 T 53 D

.'''

&'
7
A'
'

?
A'
'

A'
'

'7

'?

'@
H
A'
'

A'
'

'H

'.
(
A'
'

'(

'
A'
'

) 6= ?H3

A''''

4?9

$23 $ 2 $ 4

5 $ 4 ! 3 3

)+ $ )

% 1 0% #%

3 )3 6

3 3$2
H&

VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER)

)744<45 #

ISSN 0976-2183

8)7 4)A4@745 4?549"


"

) 00
#

<
00

6
"

% % 6=>8K6L9@< 89B 6=

) ;

0
30

<

<
##

# 0

6=>86L9@<KB<?6E @8<

30

4=M:69G6L9@<KB<?6E @8<%
+

%
#

< #
@?54<6@?EEG G8:9)
D
56789

$23 $ 2 $ 4

5 $ 4 ! 3 3

)+ $ )

% 1 0% #%

3 )3 6

3 3$2
HA