>L ljZjHof]lt k|fylds

ljBfno
n]vk/fh'n–^, ;'v]{t

ljb\ofno ;'wf/
of]hgf
-kfFr a;{] of]hgf cjlw @)&@ b]lv @)&&
;Dd_
! kl/ro
>L ljZjHof]lt k|yflds ljBfnosf] kl/rofTds ljj/0f lgDgcg';f/ pNn]v
ul/Psf] 5 M
s P]ltxfl;s k[i7e"ld
n]vk/fh'n uf=lj=;= sf] jf8{ g+ ^ cGtu{t /Tg/fhdfu{sf]
;LdfIf]qaf6 sl/a !M#) 306fsf] psfnf] sf6]/ k'Ug] o; ljBfno >L
ljZjHof]lt k|fylds ljBfno, b]j:yn–^ ;'v]{tsf] P]ltxfl;s k[i7e"ld
x]g]{ xf] eg] b'Mvb si6k|b b]vG5 . jiff{tdf l5Gr'vf]nf 5]sL
ljBfno hfg g;lsg], nfdf] b'/Lsf] lxF8fOdf yls agL afnaflnsf k9b}
ghfg], ljBfno 5f]8\g] ;d:ofn] k|f=lj= k9fO ug{ g;lsg] ;d:ofn]
ubf{ @! cf}F ztfAbLdf klg ;–;fgf afnaflnsfnfO{ k|f=lj= lzIffaf6
al~rt ug{ ljjztf aGof / o;nfO{ ;dfwfg ug{ ljBfno ;]jf If]qsf

1
;Dk"0f{ cleefjsx?sf] e]nf / lg0f{o u/L ldlt @)%$÷!)÷)# ut]sf
lbg ;+:yfks lzIfs >L anlj/ ;'gf/ / ;+:yfks cWoIf >L h'4axfb'/ /fgf
Ho"sf] kxn / cleefjsx?sf] dfunfO{ Wofg /fVb} k|f=lj= :t/sf]
k9fO{ ;+rfng ug{ sf7sf] 5fk|f]af6 sIff! sf] k7gkf7g z'?
ul/of] . :yfgLo nufgLdf lzIfs kfl/>lds a]xf]g]{ / sd kl/>ldsdf eP
klg ;]jf/t ug]{ lzIfssf] ;b\efjaf6 ljBfno ;+rfngdf 7"nf] /fxt ldNof]
. o;} ;lqmotfdf / lqmoflzntfsf jfjh'b lh=lz=sf= ;'v]{tn] ldlt @)
%%÷!!÷)$ ut]sf lbg sIff !–@ sf] c:yfoL cg'dlt pknAw eof] . o;}
qmddf ldlt @)%^÷)%÷#! ut] sIff # sf] nflu lh=lz=sf= ;'v]
{taf6 c:yfoL cgg'dlt k|fKt eof] . @)^@÷)^# df sIff $ sf] klg
c:yfoL cg'dlt lh=lz=sf= af6 k|fKt eof] . lh=lz=sf= af6 @)^)
;fn kf}if b]lv @ hgf lzIfssf] nflu /fxt cg'bfg k|fKt eP klg sIff
cg';f/! hgf lzIfssf] cfjZo k/]sf] x'gfn] cleefjssf] ;lqmotfdf lglh
>f]taf6 ! hgf lzIfs >L l8naxfb'/ ;'gf/nfO{ )%(÷)!÷)! df lgo'Qm
ul/Psf] 5 . sIff $ ;+rfng ug{sf] nflu yk b'O{ sf]7] sf7sf] ejg
lgdf{0f u/ cWoog ug{] sfo{ ePsf] 5 . xfn o; ljBfnodf # hg
lzIfsx? ;]jf/t 5g\ .

v ef}uf]lns cjl:ylt
;'v]{t lhNNffsf] ;b/d'sfd jL/]Gb|gu/af6 k"j{ /Tg/fhdfu{sf] ^*
ls=df kg]{ afwgf/f k'n -hf] jL/]Gb|gu/af8 !* ls=dL=_ df af;af6
eml/;s]kl5 l5Gr'vf]nf kf/Lkl§ l;:g]/L eGg] 7fpFdf !÷@j6f 3/
x'Fb} 7f8f] psfnf]tkm{ hfFbf aLraLrdf @÷$ j6f 3/ tNnf]
;ftkf]v/L x'Fb} psfnf] tk{m nfUbf dflyNnf] ;ftfkf]v/L x'Fb}
hfFbf ljBfno /x]sf] :yfg b]j:yn kb{5 . hf] r'/] 8fF8fsf] sfvdf cjl:yt
5.

u ljb\ofno ;d'bfo k[i7e"ld

of] ljb\ofno jL/]Gb|gu/ ;'v]{tsf] n]vk/fh'n uf=lj=;= cGtu{t
jf8{ g+ ^ df cjl:yt 5 . o; ljb\ofnosf] ;]jf If]qleq kg]{ hg;ª\Vof

2
nueu tLg ;o aL; hlt /x]sf] 5 . o;dWo] dlxnf !^( / k'?if !%!
hg;ª\Vof /x]sf] 5 . oxfF a;f]af; ug]{ hfltx?dWo] ljleGg hftLx?
h:t} IfqL / hghflt k/] klg blntx?sf] ;+Vof a9L 5 . wfld{s ;d'bfosf
b[li6n] k|foh;f] lxGb' / s]xL dfqfdf lqml:rog /x]sf 5g\ . oxfFsf
dflg;sf] wfld{s rf8kj{ d'Vo ?kdf b;}F, ltxf/, Nxf];f/, a'b\w
k"l0f{df / lqm;d; kb{5g\ . cfly{s b[li6n] klg oxfFsf dflg;x? ljljw
cj:yfdf /x]sf b]lvG5g\ . w]/}h;f] dflg; s[lif k];fdf g} cfl>t 5g\ .
afFsL s]xL Jofkf/, s]xL s[lif, s]xL kz'kfng / s]xL dhb'/Laf6 hLjg
lgjf{x ug]{ ub{5g\ . oxfFsf dflg;x?sf] af]nLrfnLsf] k|d'v efiff
g]kfnL kfOG5 . oxfFsf] ljBfno ;d'bfo eg]sf] rr{/], av]{uf]7]/L,
hdgfkfgL, s'Dd]kfgL, ;ftkf]v/L, ;fhuf]7]/L, dfemLufpF / b]j:yn
/x]sf
5g\ .

3 ;]jf If]qsf] kl/efiff / ;Ldfª\sg

o; ljb\ofnodf cWoog ug{ cfpg] afnaflnsf /x]sf] ufpF cyjf
6f]nj:tLnfO{ ljb\ofnosf] ;]jf If]q dflgPsf] 5 . o;/L x]bf{ o;
ljBfnosf] sfo{If]q jf8{ g+ ^ s} dfly pNn]lvt a:tLx? /x]sf]
kfOG5 .

ª sfo{qmdsf] ljj/0f
o; ljb\ofnon] ;]jf If]qcGtu{t ;~rfng x'Fb} cfPsf ljb\ofnosf]
dlxgfdf Ps k6s cg'udg u/L cj:yf klxrfg ug]{ / s]xL ;'emfj tyf
;xof]u lbg jf lng kg]{ eP ;f]cg';f/ ul/g] 5 . o; ljb\ofnosf]
sfo{qmd lgDgcg';f/ /x]sf] 5 M
qm sfo{qmd tx s}lkmot
=;
=
!= afnljsf;
@ ;fwf/0f lzIff !—% cfwf/e"t
=
3
@ of]hgfsf] cfjZostf / klxrfg
s= jt{dfg cj:yfsf] ljZn]if0f
!= sIffut ljb\ofyL{sf] k|f]kmfOn
tflnsf !M sIffut ljBfyL{sf] k|f]kmfOn
qm ljj/0f 5fqf 5fq hDdf
=;
=
!= sIff ! 12 8 20

@ sIff @ 10 9 19

=
# sIff # 5 10 15

=
$= sIff $ 3 10 13

% sIff % 3 9 12

=
hDdf !– 33 46 79

tYofª\s ljZn]if0f cg';f/ ljBfnodf sIff ! b]lv sIff % ;Dd cWoog ug]{
5fqf tyf 5fqx?sf] ;+Vof qmdzM ## / $^ 5 t/ klg ;a} eGbf a9L
5fqf sIff ! / ;a}eGbf a9L 5fq sIff # / $ df /x]sf] b]lvG5 .
t'ngfTds ?kdf c? sIffsf] t'ngfdf sIff % df ljBfyL{ ;+Vof sd
b]lvG5 eg] ;a}eGbf a9 ljBfyL{ ;+Vof sIff ! df b]lvG5 .

@ cfGtl/s ;Ifdtfsf] cj:yf

cfGtl/s ;Ifdtfsf] cj:yf cWoog ug{sf nflu ljBfnodf egf{ ePsf
ljBfyL{sf] ;+Vof, sIff bf]xf]¥ofpg] ljBfyL{sf] ;+Vof, sIff
5f8\g] :yfgfGt/0f x'g] ljBfyL{sf] ;+Vof, pQL0f{ ;+Vof, bf]xf]
¥ofpg] b/, ljBfno 5f8\g] b/ / pQL0f b/sf] dfkg ul/Psf] 5 h'g tnsf]
tflnsfdf b]vfOPsf] 5 .
4
 tflnsf @M cfGtl/s ;Ifdtfsf] cj:yf
q egf{ sIff 5f8\g pT bf]xf 5f8\ pTtL
m ePsf bf]xf ] tL ] g] b/ 0f{ b
= ljb\o ] tyf 0f ¥ofp
% /%
; fyL{ ¥ofp :yfgf {; g] b/
+ ;ª\V g] Gt/0f ª\V
%
of s ljb\of ;ª\Vo of
yL{ ; f 3
ª\Vof u
v
! 2 8 1 11 40% 5% 55%
0
% 1 - 1 11 - 8.22 91.6
2 % 6%

tYofª\s ljZn]if0f ubf{ sIff ! sf] ljBfno 5f8\g] b/ cln a9L 5 . o;sf]
sf/0f 3/df cfˆg} cfdfafa', lblbalxgL;Fu af]n]sf] efiff PSsf;L
ljBfnodf g]kfnL efiffdf af]Ng klg ufXf] x'g] / ljBfnodf ;lhn}
3'nldn x'g g;Sg] . t/ pQL0f{ b/ eg] sIff % df pRr /x]sf] kfOof] .

# ljb\ofyL{sf] l;sfO pknlAw

-ut jif{sf] clGtd k/LIffsf] k|fKtfª\ssf cfwf/df_
tflnsf #M ljBfyL{sf] l;sfO pknlAw
sIff ljBf clgjfo{ ljifox?sf] ljifout l;sfO pknlAw sIffu
yL{ g]k cª\u ul0 lj1f ;fdflhs cf};t
; fnL |]hL ft g pknl
+Vo Aw
f
sIff 20 34.39 31.47 33.42 36.00 41.57 35.37

—!
sIff — 19 49.42 40.94 41.15 48.47 48.63 45.72

@
sIff — 15 49.28 41.57 42.57 48.14 48.5 46.01

5
#
sIff —$ 13 42.14 36.92 37.14 43.14 41.78 40.22

sIff — 12 45.09 41.63 41.54 47.00 48.63 44.77

ut jif{sf] kl/Iffsf] k|fKtfÍsf] cfwf/df l;sfO pknlAw x]bf{ g]kfnLdf

sIff !, @, #, $ / % sf] pknlAw qmdzM #$=#(, $(=$@, $(=@*,
$@=!$ / $%=)( k|ltzt kfOof] . To:t} u/L cª\u|]hLdf sIff !, @, #,
$ / % df qmdzM #!=$&, $)=($, $!=%&, #^=(@ / $!=^# k|
ltzt kfOof] . ul0ftdf sIff !, @, #, $ / % df qmdzM ##=$@, $!
=!%, $@=%&, #&=!$ / $!=%$ k|ltzt kfOof] . lj1fgdf sIff !, @,
#, $ / % df qmdzM #^, $*=$&, $*=!$, $#=!$ / $& k|ltzt
kfOof] . cGtdf ;fdflhsdf sIff !, @, #, $ / % df qmdzM $!=%&,
$*=^#, $*=%, $!=&* / $*=^# k|ltzt kfOof] . sIffut ?kdf
;a}eGbf a9L cf};t pknlAw sIff # df $^=)! k|ltzt /x]sf] kfOof] .

$= lzIfs k|f]kmfOn
ljBfnodf /x]sf] ljBfyL{x?sf] ;+Vof cg';f/ pRr k|fylds ljBfnodf
b'O{ hgf lzIfsx?sf] /fxt b/aGbL /x]sf] kfOof] h:sf] ljj/0f o; k|
sf/ /x]sf] 5 .

tflnsf $M lzIfs ljj/0f

q gfd lgo'l t c z}lIf ;DkGg
m Stsf x W s tflnd

6
; ] k| lgo''l of of]U cjl ljif
+ sf/ St k otf w o
ldlt g
u
g]
{
ljif
o
! gf/b / @)%%÷) k| ;a} SLC b'O{
= zdf{ fxt (÷!# f=lj dlxgf
b/ = !%
aG lbg
bL
@ anlj/ / @)^)÷) k| lj1fg SLC !)
= ;'gf/ fxt $÷)! f=lj ÷ul0f dlxg]
b/ = t
aG
bL
# lrq PCF @)^*÷) k| c+u|] I.Ed.

= a= $÷)! f=lj hL
lj=s =
=

pQm k|fylds ljBfnodf Ps hgf k|wfgfWofks / Ps hgf lzIfs /x]sf]

kfOof] . k|wfgfWofks gf/b zdf{sf] /fxt lgo'lQm @)%% ;fndf
ePsf] lyof] eg] lzIfs anlj/ ;'gf/sf] /fxt lgo'lQm @)^) ;fndf / lzIfs
lrq axfb'/ lj=s= sf] PCF lgo'lQm @)^* ;fndf ePsf] lyof] .

%= ljb\ofno ;~rfng Joj:yf

7
txut ljBfyL{x?sf] cf};t dfl;s Pjd\ jflif{s xflh/Lsf] t'ngf, ljBfno
v'n]sf] lbg, k7gkf7g ePsf] lbg cflbsf] JofVof tnsf] tflnsfdf
ul/Psf] 5 .

tflnsf %M ljBfno ;~rfng Joj:yf

qm ljj/0f jflif{s cf};t lbg s}lkmot
=;
=
! sIff !—% sf !%!=%^ lbg
ljb\ofyL{sf] xflh/L
@ ljb\ofno v'n]sf] lbg @#( lbg
# k7gkf7g ePsf] lbg !(* lbg
$ lzIfsx?sf] xflh/L @#) lbg

dflysf] tflnsf cg';f/ sIff ! b]lv % ;Ddsf ljBfyL{x?sf] cf};t xflh/L !

%! lbg /x]sf] kfOof] hals lzIfsx?sf] xflh/L @#) lbg /x]sf]
kfOof] . To:t} u/L ljBfno k7gkf7g ePsf] lbg !(* / ljBfno v'n]sf]
lbg @#( lbg kfOof] .

^= ef}lts ;'ljwf Joj:yf

s'g} klg z}lIfs ;+:yfdf ljleGg k|sf/sf ef}lts ;'ljwfx?sf] cfjZostf
kb{5 . pQm ljBfnodf ePsf ef}lts ;'ljwfx? / ltgLx?sf] kof{Kttf
lgDg cg';f/ 5g\M
tflnsf ^M ef}lts ;'ljwf Joj:yf
q ljj/0f ;ª\Vof kof{ ckof{K dd{t ;' s}lk
m Kt t wf/ mot
= cfjZos
;
! ljb\ofno ejg # kof{ ePsf]
Kt
8
@ sIff sf]7f ( kof{ ePsf]
Kt
# kmlg{r/ @) kof{ ePsf]
Kt
$ zf}rfno ! ckof{K ePsf]
t
% 5fqf zf}rfno – ckof{K ePsf] lgdf{
t 0f
ug'{k
g]{
^ ljb\ofno xftf – ckof{K lgdf{
3]/faf/ t 0f
ug'{k
g]{
& vfg] kfgL ! kof{
Kt
* v]ns'b d}bfg ckof{K ;fF3'/f] hldg
t gldn]
sf]
( k':tsfno ejg jf
sf]7f
-cfˆgf] ejg
gePsf]_

dflysf] tflnsf cg';f/ pQm ljBfnodf # j6f ljBfno ejg 5g\ h'g
kof{Kt 5g\ t/ ltgLx?sf] dd{t tyf ;'wf/ cfjZos 5 . To:t} ( j6f sIff
sf]7f 5g\ h'g ljBfyL{x?sf] t'ngfdf kof{Kt 5g\ t/ ltgLx?sf]
dd{t ;'wf/ cfjZos 5 . kmlg{r/ klg @) j6f kof{Kt 5g\ /
dd{t / ;'wf/sf] cfjZostf 5 . To:t} Pp6f dfq zf}rfno 5 h'g ckof{Kt
5 lsgls 5fqf zf}rfnosf] vfFrf] 5 . ljBfno xftf 3]/faf/ klg ckof{Kt 5
/ lgdf{0f ug'{kg]{ xfntdf 5 . vfg]kfgLsf] Joj:yf 5 . v]ns'b d}bfg
klg ;fF3'/f] 5 / hldg gldn]sf] 5 . k':tsfno ejgsf] cfˆg} sf]7f 5}g .

9
&= ljb\ofno Joj:yfksLo k|aGw
ljBfno Joj:yfksLo k|aGwdf ljleGg kIfx? kb{5g\ h'g kIfx? ljBfnodf
eP gePsf] tnsf] tflnsfdf k|:t't ul/Psf] 5 .
tflnsf &M ljBfno Joj:yfksLo k|aGw
q ljj/0f ePsf] gePsf s}lk
m ] mot
=
;
=
! lzIff lgodfjnL cg';f/ ljJo; u7g √
@ lzIff lgodfjnL cg';f/ lzc; u7g √
# lzIff lgodfjnL cg';f/ k|csf] lgo'lSt √
$ lzIff lgodfjnL cg';f/ ;fdflhs k/LIf0f √
% jflif{sf]T;j tyf cleefjs e]nf √
^ rf}dfl;s ?kdf ;/f]sf/jfnflar ;'g'jfO √
& lzIff lgodfjnL cg';f/ cfrf/ ;+lxtf Joj:yf √
* k|To]s b'O{ dlxgfdf ljJo; a}7s √
;~rfng
( ljlg tyf ;|f]Joaf6 ;do ;dodf lg/LIf0f √
! ljJo; / lzc;af6 ljb\ofno e|d0f cg'udg √
)
! jflif{s z}lIfs kfqf] √

!
! ljb\ofno k|fylds pkrf/ afs; Joj:yf √
@
! lgoldt ljb\ofyL{sf] :jf:Yo k/LIf0f / √
# h'sfsf] cf}iflw ljt/0f
! ljb\ofyL{nfO{ lbjf vfhfsf] Joj:yf √
$

ljBfnodf lzIff lgodfjnL cg';f/ ljJoj;sf] u7g, lzc;sf] u7g / lzIff

lgodfjnL cg';f/ k|csf] lgo'lQm u/]sf] kfOof] . To:t} u/L lzIff
10
lgodfjnL cg';f/ ;fdflhs k/LIf0f u/]sf] klg kfOof] . jflif{sf]T;j tyf
cleefjs e]nf klg ug]{ u/]sf] kfOof] . rf}dfl;s ?kdf
;/f]sf/jfnaLr ;'g'jfO{sf] Joj:Yf / lzIff lgodfjnL cg';f/sf] cfrf/;
+lxtfsf] Joj:yf / k|To]s b'O{ dlxgfdf ljJoj;sf] a}7s ;+rfng ug]
{ u/]sf] kfOof] . ljBfno lg/LIfs, >f]tJolQmaft ;do ;dodf ljBfnosf]
lg/LIf0f, cg'udg tyf k|fljlws ;xfotf k|bfg ug]{ u/]sf] kfOof] . t/
ljJo; / lzc; af6 ljBfno cg'udg u/]sf] kfOPg . jflif{s z}lIfs kfqf]
tof/ ePsf] kfOof] t/ ljBfnodf k|fylds pkrf/ afs;sf] Joj:yf lyPg t/
klg lgoldt ljBfyL{ :jf:Yo k/LIf0, h'sfsf] cf}ifqL ljt/0f tyf vf]ksf]
Joj:yf eg] u/]sf] kfOof] . ljBfyL{nfO{ lbjf vfhfsf] Joj:Yff u/]sf]
kfOPg h'g ug'{kg]{ cfjZostf b]lvG5 .

*= z}lIfs ;fdu|Lsf] pknAwtf

s'g} klg ljBfnodf z}lIfs ;fdu|Lx?sf] clt cfjZostf kb{5 h;n]
k7gkf7gdf ;xof]u k'¥ofpFb5 . o; k|fylds ljBfnodf ePsf z}lIfs
;fdu|Lsf] j0f{g o; k|sf/ 5 M
tflnsf *M z}lIfs ;fdu|Lsf] pknAwt
q ;fdu|Lsf] k|sf/ pknA pkn kof{Kt k|
m w Aw cj:yf of]us
= /x]sf] g/x] f]
; sf] cj:yf
eP ge e g
=
sf] Ps Ps e
f] f] Ps
f]
! txut ljifout √ √ √
kf7\oqmd
@ ljb\ofyL{x? √ √ √
nfO{ ljifout kf=k'=
# ljifout lzIfs lgb]{lzsf √ √ √
$ ;Gbe{ ;fdu|L ;lxt √ √ √

11
 k':tsfno
% v]ns'bsf ;fdu|L √ √ √
^ lj1fg, :jf= zf=
lzIffsf ;fdu|L

dflysf] tflnsf cg';f/ ljBfnodf txut ljifout kf7\oqmdsf] pknAwtf

/x]sf] kfOof] h'g kof{Kt cj:yfdf 5g\ / k|of]udf /x]sf 5g\ . To:t}
ljBfyL{x?nfO{ ljifout kf7\ok':ts klg 5g h'g kof{Kt / k|of]usf]
cj:yfdf 5g\ . To:t} ljifout lzIfs lgb]{lzsfx? klg pknAw 5g / k|
of]usf] cj:Yffdf 5g\ . ;Gbe{ ;fdu|L ;lxtsf] k':tsfnosf] sdL 5 .
v]ns'b ;fdu|Lx? klg kof{Kt dfqfdf g/x]sf] kfOof] . lj1fg, :Jff:Yo
tyf zf/Ll/s lzIffsf ;fdu|Lx?sf] cj:Yff b]lvPg .

(= ;|f]t Joj:yfkg
ljBfnonfO{ ljleGg ;|f]taf6 k|fKt ePsf] /sd o; k|sf/ 5 M
tflnsf (M ;|f]t Joj:yfkg
q ljj/0f /sd s}lk
m mot
=
;
=
! ljb\ofnonfO{ ;/sf/af6 k|fKt 4,86,980 tna :
cg'bfg÷ah]6 j?k
@ ljb\ofnonfO{ ;d'bfo jf cGo ;ª\3 ;
+:yfaf6 /sd
# ljb\ofnonfO{ ;d'bfo jf cGo ;ª\3 ;
+:yfaf6 lhG;L
$ ljb\ofnodf pknAw hUuf hldg, k;n
/sddf kl/0ft ubf{
% ljb\ofnosf] cfGtl/s cfDbfgL, ef8f, 1,20,000

z'Ns cflbaf6
^ cGo ePdf gg:ofn/L 14,000

& uf=lj=;= af6 cg'bfg 50,000

* PCF salary 40,000

12
( sfof{no ;xof]uL 42,000

! kf7\ok':ts vl/b 14,000

)
! d;nGb vr{ 9,000

!
! 5fqj[lQ /sd 25,200

@
! hDdf vr{ ePsf] /sd 801180

ljBfnonfO{ tna:j?k ;/sf/af6 $,*^,(*) /sd k|fKt ePsf] lyof] eg]

uf=lj=;= af6 cg'bfg :j?k ? %),))) k|fKt ePsf] lyof] . To:t} u/L
5fqj[lQsf] nflu ?= @%,@)) k|fKt ePsf] lyof] . hDdf vr{ /sd *,)!,!
*) ePsf] lyof] .

cg';"rL @
;"rs ;d"x
q ;"rs ;d"x d'Vo ;d:of ;d:of
m ;dfwfgsf] pkfo
=
;
=
! sIffut ljb\ofyL{sf] != ;do a9L nfUg] != ;do
k|f]kmfOn @= l6sfp gx'g] ldnfpg' kg]{
#= clgoldt @= /fVg /fd|f]
pkl:ylt b/fh rflxg]
#= lgoldt
pkl:yt u/fpg]

13
@ cfGtl/s ;Ifdtfsf] != l6sfp gx'g] != lzIfs / k|
cj:yf @= sd l;sfO cn] cleefjs;Fu
pknlAw e]6L lgoldt
#= clgoldt agfpg]
pkl:ylt @= afns]Gb|
L l;sfO
#=
cleefjssf]
;xof]udf
lgoldt u/fpg]
# ljb\ofyL{sf] l;sfO != ;'wf/df ;d:of != k|c, lzIfs,
pknlAw @= z}lIfs ;fdu| cleefjssf]
Lsf] cefj a}7s a;L ;'wf/
#= sIff bf]xf] ug'{kg]{
¥ofpg] ;d:of @= :yfgLo
$= ljb\ofno z}lIfs ;fdu|
5f8\g] ;d:of Lsf] a9L k|
of]u ug'{kg]{
#= sIff bf]xf]
¥ofpg] k|
lqmof /f]Sg'
kg]{
$ lzIfs k|f]kmfOn != l6sfp gx'g] !=
@= @
#= #
$= $
% ljb\ofno ;~rfng != ljBfyL{x? !=
cj:yf lgoldt gx'g' ljBfyL{nfO{ l
@= jiff{ofddf goldt u/fpg'
k7gkf7gdf cj?4 kg]{
#= af9Lklx/f]sf] @= ;dofg's'n
14
 hf]lvd ljBfno ;~rfng
ug'{kg]{
^ ef}lts ;'ljwf Joj:yf != ejgx? != ejgx? dd{t
lh0f{ cj:yfdf /xg' ul/g' kg]{
@= 5fqf zf}rfno @= 5fqf
gx'g' zf}rfno
#= v]nd}bfg clgjfo{ x'g'kg
;fgf] x'g' ]{
$= af6f]3f6f]sf] #= v]nd}bfg
c;'ljwf a9fpg' kg]{
$= af6f]3f6f]
lgdf{0f
ug'{kg]{
& ljb\ofno != ;ldlt lgoldt != ;ldlt lgoldt
Joj:yfksLo cj:yf a}7s ga:g' a}7s a:g' kg]
@= ;b:ox? lgoldt {
pkl:yt gxg' @= ;ldltsf
#= ;ldltåf/f ;b:ox? lgoldt
ljBfno /]vb]v pkl:yt x'g' kg]
gug'{ {
$= ljBfnok|lt rf;f] #= ;ldltn]
glbg' ljBfnosf]
lgoldt x]/rfx
ug'{kg]{
$= ljBfnok|lt
a9L rf;f]
lbg'kg]{
* z}lIfs ;fdu|Lsf] != z}lIfs ;fdu|L != cleefjsx?
pknAwtf vl/b ug{ cfly{s af6 cfly{s ;
cefj +sng u/L
@= glhs ahf/ z}lIfs ;fdu|L
15
 Joj:yfkg gx'g' vl/b ug'{kg]{
@=
lh=lz=sf= n]
z}lIfs ;fdu|
L ;xof]u
ug'{kg]{
( ;|f]t Joj:yf != :yfgLo :t/sf ;| != :yfgLo ;|
f]tsf] k|of]u gx'g' f]tsf] k|of]u
@= ljBfnosf] ug'{kg]{
s'g} cfDbfgL @= ljBfnon]
gx'g' cfDbfgLd"ns
#= ; sfo{x?
+3;+:yfaf6 ug'{kg]{
;xof]u gx'g' #= ljBfnosf]
vfnL
hldgnfO{ cfD
bfgLd"ns
sfo{qmddf
nufpg' kg]{
$= ljleGg ;
+3;+:yfx?af6
;xof]usf]
ck]Iff ug'{kg]
{

cg';"rL #
cfjZost ;"rL

! ljb\ofyL{ cfslif{t ug]{

@ z}lIfs Iflt Go'gLs/0f ug]]{
16
# ljb\ofyL{ cf};t pknlAw ;'wf/ ug]{
$ l/St kbx?df of]Uotd\ / k|ltab\w lzIfsx? 5gf]6 ug]{
% lzIfssf] lzIf0f sfo{snfkx?nfO{ k|efjsf/L / hjfkmb]xL t'Nofpg]
^ lzIfs ljb\ofyL{ ;Dks{ ;do -contact hour_cTolws agfpg]
& ef}lts ;'ljwf, To;sf] ;"rgf / pkof]udf a9f]Tt/L Nofpg]
* z}lIfs ;fdu|Lsf] ;ª\sng, lgdf{0f, ;'/If0f / pkof]udf ljz]if a9f]Tt/L
Nofpg]
( cfly{s ;|f]tx? a9fpg / ah]6 kl/rfng Pjd\ vr{ k|0ffnL hjfkmb]xL
t'Nofpg]
!) ljb\ofno Joj:yfkgsf ;+oGqx?sf] k|efjsf/L lqmofzLntf clej[b\lw
ug]{

cg';"rL $
gd'gf b"/ b[li6
! kfFrf}F jif{df k'Ubf o; ljb\ofnosf] cf};t l;sfO pknlAw ;'v]{t
lhNnfs} ;a}eGbf a9L x'g] 5 .
cg';"rL % nIo lgwf{/0f tlnsf

q ;'wf/ jt{dfg jif{ut nIo

m sfo{snf cj:yf
k|yd bf];| t];|f] rf}yf kfFrf}
= k ;"rs
jif{ f] jif{ ] jif{ F jif{
;
jif{
sIffut
ljBfyL{
sf] k|
f]kmfO
n
cfGtl/s sIff ! / (Ü &Ü %Ü #Ü !Ü
Ifdtfsf] % df
cj:yf ljBfno
5f8\g]
17
 b/–!
#=##
Ü
hDdf #@ @$Ü !^Ü *Ü #Ü
sIff !–% Ü
bf]xf]
¥ofpg]
$)Ü
ljBfyL{ $#Ü % ^&Ü &(Ü (!Ü !))Ü
sf] %Ü
l;sfO
pknlAw
z}lIfs %) Ü ^)Ü &)Ü *)Ü ()Ü !))Ü
;fdu|
Lsf]
pknAwt
f

cg';"rL ^
lj:t[t sfo{snfk tflnsf
kfFr a;]{ sfo{snfk tlnsf

qm ;'wf/ lj:t[t sfo{snfk

=; sfo{snfk ;"rs
=
sIffut != ljBfyL{sf] k|f]kmfOn ;'/lIft /fVg]
ljBfyL{sf] k| / rflxPsf] a]nf dfq lemSg] / k|of]u
f]kmfOn ug]{ .
@= ljBfyL{n] u/]sf lqmofsnfkx?
nfO{ k|f]kmfOnsf] ?kdf tof/ kf/]/
/fVg] .
cfGtl/s Ifdtfsf] != sIff ! df afnd}qL k7gkf7g z'?
cj:yf ug]{
18
 @= ;a} sIffdf cGt/lqmofTds lzIf0f
l;sfOsf] z'?jft ug]{
#= ljBfyL{ lgoldt pkl:ytgePdf
lzIfsn] 3/b}nf], e]63f6 ug]{
$= ljBfyL{x?sf] a'emfO Ifdtf yfxf
kfpgsf nflu 5f]6f] hfFr ug]{
%=ljJo;, lzc; tyf cleefjsx?åf/f
lg/LIf0f ug]{
ljBfyL{sf] l;sfO != ljBfyL{sf] l;sfO pknlAw a9fpg
pknlAw ljleGg lzIf0f ljlw /
lqmofsnfk ckgfpg]
@= ljBfyL{nfO{ lgoldt
u'xsfo{ lbg] .
#= ;fKtflxs ?kdf ljBfyL{x?sf] sIffut
k/LIff lng] / u[xsfo{ hfFr ug]{
z}lIfs ;fdu|Lsf] != :yfgLo :t/df kfOg] vfnsf z}lIfs
pknAwtf ;fdu|Lx? ;+sng u/L cWog / cWofkg
ug]{ u/fpg]
cGo lqmofsnfk != cltl/Qm lqmofsnfk, v]ns'b
@= kf7 cg';f/ z}lIfs e|d0f
# xflh/L hjfkm k|ltof]lutf
5fqf zf}rfno != 5fqf zf}rfnosf] Joj:yf ug'{kg]{
ljBfno tf/af/ != ljBfnosf] j/k/ tf/af/sf] Joj:yf
ug'{kg]{

cg';"rL &
;|f]t Joj:yfkg
Ps a;]{ ah]6 of]hgf tflnsf
qm ;'wf/ hDdf ;/sf/L cfGtl/s ;
=; sfo{snfk ;"rs cg'dflgt cg'bfg |f]taf6

19
= ah]6 k|fKt k|fKt
x'g ;Sg] x'g ;Sg]
ah]6 ah]6
! sIffut 20,000/- 10,000/- 10,000/-

ljBfyL{sf] k|
f]kmfOn
@ cfGtl/s Ifdtfsf] 20,000/- 10,000/- 10,000/-

cj:yf
# ljBfyL{sf] l;sfO 20,000/- 10,000/- 10,000/-

pknlAw
$ z}lIfs ;fdu|Lsf] 20,000/- 10,000/- 10,000/-

pknAwtf
% cGo lqmofsnfk 20,000/- 10,000/- 10,000/-

^ 5fqf zf}rfno / 2,50,000/- 2,30,000/- 20,000/-

tf/jf/

cg';"rL *
k~rjlif{o sfo{qmd tyf ah]6 tlnsf

qm ;'wf/ nI lj:t[t cg'dflgt ;DefJo

sfo{sn
=; sfo{snf o nfut nfut
fk
= k ;"rs
! 5fqf % 5fqf 2,50,000/- 50,000/-
zf}rfno
zf}rfno jif clgjfo{ r
flxPsf]
{ 5fqf
zf}rfno
gePsfn]
5fqfx?sf]
;+Vofdf
sd
pkl;ylt
b]lvg]
5fqfx?
ljBfno
cfpg g?
rfpg]

20
 @ z}lIfs % z}lIfs 50,000/- 20,000/-
;fdu|L k|
;fdu| jif ofKt
dfqfdf
Lsf] { gePsfn]
lzIf0f
pknAwt lqmofsnf
kdf
f sl7gfO{
ePsf]
ljBfyL{x?
df klg sd
z}lIfs
pknlAw
b]lvPsf]
# ejg % lh0f{ cj: 50,000/- 30,000/-
Yffdf
dd{t jif ePsf
ejgn] ;'w
{ f/sf nflu
clt g}
cfjZos
ePsf
b]lvG5 .
$ tf/jf/ % tf/af/ 90,000/- 50,000/-
v'nf
jif ePsfn]
ufOj:t'sf]
{ r/g,
ljBfyL{x?
sIff 5f]8L
rf}/eGbf
aflx/ hfg]
h:tf
;d:ofx?
5g\

v sfof{Gjog ;+oGq tyf sfo{ ljlw

sfo{ of]hgf tlnsf

qm lj:t[t lhDd]jf/ JolSt rf}dfl;sut

=;= sfo{snfk ;do ;Ldf
21
! lgoldt k|c / lzIfs b}lgs
k7gkf7g
@ ;/;kmfO ljBfyL{, cleefjs, k|c, ;fKtflxs
lzIfs, kl/r/
# cltl/Qm k|c, lzIfs, ljBfyL{ k|To]s
lqmofsnfk z'qmaf/
$ Joj:yfkg k|c , ljJo;, cleefjs ;+3 rf}dfl;s
% lgoldt a}7s k|c, ljJo;, lzIfs dfl;s
^ ljBfnosf] /]v cleefjs, ljJo;, k|c, lzIfs b}lgs
b]v

xfn @)&! ;fndf ljBfno Joj:yfkg ;ldltsf kbflwsf/Lx?sf] gfdfjnL o;

k|sf/ /x]sf] 5M
!= ljBfno Joj:yfkg ;ldlt cWoIf– >L blbdn] a'9f
@= " " " ;b:o – >L ;'/lht a'9f
#= " " " ;b:o – >L u+uf/fd a'9f
$= " " " dlxnf ;b:o – >L uf}dtL lj=s=
%= " " " dlxnf ;b:o – >L dlg;/f lj=s=
^= " " " ;b:o – >L kbdaxfb'/ ;'gf/
&= " " " ;b:o – >L anaxfb'/ lj=s=
*= lzIfs k|ltlglw – lrq axfb'/ lj=s=
(= lzIfs ;b:o ;lrj – >L gf/bk|;fb zdf{

lzIfs cleefjs ;+3

!= wg/fh lj=s= – cWoIf
@= cDd/axfb'/ lj=s= – ;b:o
#= t'N;L lj=s= – ;b:o
$= l;tf lj=s= – ;b:o
%= rGb|f a'9f – ;b:o
^= lrqaxfb'/ lj=s= – lzIfs k|ltlglw
&= gf/bk|;fb zdf{– ;b:o ;lrj

22