fctusl Iyku

vD+lj dgk tkrk gS fd volj thou esa flQ+Z ,d ckj gh feyrk gS ijUrq vkbZ-,e-lh- vkidks viuk thou

cnyus ds fy;s <sjksa volj iznku djrh gSA ge fons'kksa esa vkbZ-,e-lh- O;olk; ys tkus ds fy;s vkSj iwjs lalkj

dks gcZy ,oe~ izkÑfrd jgu&lgu dk vuqHko djokus ds fy; iw.kZ :i ls rS;kj gSaA vD+lj yksx ,d NksVs

n`f"Vdks.k ds lkFk jgrs gSa ftlesa flQZ vkenu dekus rFkk fdlh rjg [kpZ iwjs gksus rd dh bPNk ek= jgrh gSA

ewy :i ls] gekjk n`f"Vdks.k dsoy ifjokj ikyus rd gh lhfer gSA vkbZ-,e-lh- vkids n`f"Vdks.k dk foLrkj

djrh gS vkSj vkidh {kerkvksa dk fodkl djrs gq;s vkidks vius liuksa dk thou thus esa enn djrh gSA

vD+lj ge yksxksa ls lqurs gSa fd Mk;jsDV ekdsZfVax esjs cl dh ckr ugha gS] ;k ;g cgqr eqf'dy gS] ysfdu ;g

lp ugha gSA vkidh lQ+yrk dk jgL; leL;kvksa dk lek/kku nsus esa rFkk dqN gV dj iz;kl djus esa fufgr

gSA thou esa vius y{; dks iwjk djrs le; ,d O;fDr dks cM+k n`f"Vdks.k viukuk pkfg;s] izkjEHk esa NksVs&NksVs

d+neksa ls 'kq:vkr djrs gq;s y{; dks çkIRk djuk vfuok;Z gSA NksVh lQ+yrk;sa vkids vkRefo'okl dks c<+k;saxh]

ifj.kkeLo:i vki vius n`f"Vdks.k ds vuqlkj dke djus esa l{ke gksaxs rFkk fujarjrk ,oe~ fu"Bk ds lkFk viuk

y{; çkIr djsaxsA blfy;s CkM+s liuksa dks ns[kus ls uk Mjsa vkSj lkekU; jkLrs ij uk pysaA ml jkLrs ij pysa ftl

ij de yksx pyrs gSa rFkk ubZ Å¡pkb;ksa dks çkIr djsa tks fd ifjfLFkfr;ksa] f'k{kk ;k HkkX; ij vk/kkfjr ugha gksrha]

cfYd vkidh dM+h esgur vkSj le>nkjh ls Hkjiwj dk;Z ij vk/kkfjr gksrh gSaA

var esa] çkjEHk djus dk ,dek= rjhdk gS ckr djuk NksM+dj dk;Z 'kq: djukA rks viuh ;k=k dks 'kq: djus ls

igys ,d ckj lkspsa vkSj viuh bl ;k=k ds fy;s [+kqn dks mRlkg ls Hkjsa vkSj vkxs c<+rs jgsaA

ØkÅu çSflMSaV cusa!

MkW;jSDVlZ dh MSLd ls

lkezkT;

vkbZ-,e-lh- gSM vkWfQl] yqf/k;kuk vkbZ-,e-lh- baLik;fjax oYMZ] yqf/k;kuk

vkbZ-,e-lh- vkWfQl] gfj}kj vkbZ-,e-lh- os;j gkÅl] gfj}kj vkbZ-,e-lh- gSYnh gkse] gfj}kj

dEiuh dk ukjk gS &

vk;qosZn ,d izkphu foKku gS tks Hkkjr esa vc ls djhc ik¡p gtkj lky igys fodflr gqvkA ;g thou vkSj yEch vk;q dk foKku gS ftldk y{; ekuo 'kjhj o efLr"d dh izkÑfrd rkSj ij fpfdRlk djuk gSA dbZ n'kdksa ds nkSjku] vk;qosZn viuk egRo [kks cSBk Fkk vkSj vc vkbZ-,e-lh- us bl [kks;s gq;s foKku dks fQj ls yksxksa rd igq¡pkus dk rFkk nqfu;k dks vk;qosZn rFkk gcZy izkWMDV~l ds egRo rFkk ykHk ds izfr tkx:d djus dk chM+k mBk;k gqvk gSA bl y{; dks /;ku esa j[krs gq;s baVjuS'kuy ekdsZfVax dkWjiksjs'ku dh LFkkiuk dh xbZA

dEiuh ds QkÅaMj ,oe~ ps;jeSu rFkk eSusftax Mk;jSDVj us yksxksa dks ̂ ^gcZy izkWMDV~l ds lkFk LoLFk thou** miyC/k djokus gsrw viuh ;k=k dh 'kq:vkr djrs gq;s 2007 esa vkbZ-,e-lh- dh LFkkiuk dhA blls yksxksa dks iSlksa dks fpUrk fd;s cxSj vkbZ-,e-lh- dk Hkkxhnkj cuus dk rFkk viuk Lo;a dk uSVodZ ekdsZfVax O;olk; cukus dk volj feykA vkbZ-,e-lh- esa vkids lius lp gksrs gSaA gekjk mn~ns'; gS yksxksa dks oSdfYid vk; miyC/k djokuk] vius ,lksfl;sV~l ds thou esa vkfFkZd Lora=rk ykuk rFkk xkSjo'kkyh thou thus esa mudh enn djukA

vkbZ-,e-lh- ,d ̂ ^Mk;jSDV lSfyax** dEiuh gS ftlds ikl gSYFk] C;wVh] ilZuy ,.M gkse dsvj jsat ds vk;qosZfnd] gcZy ,oe~ isVSafVM izkWMDV~l gSaA vkbZ-,e-lh- ds ,lksfl;sV~l] LVkWQ rFkk eSusteSaV ds n`<+ fu'p; rFkk dfBu esgur ls vkbZ-,e-lh- dk cgqr FkksM+s le; esa dbZ xquk foLrkj gqvk gSA vkbZ-,e-lh- dks xksYM eSMy] uS'kuy ,phoeSaV vokMZ~l ls lEekfur fd;k x;k gS] cSadkd esa ,f'k;k iSflfQd baVjuS'kuy vokMZ iznku fd;k x;k gS rFkk vkbZ-,l-vks- 9001%2008 lfVZQkbZM dEiuh gSA vkt yxHkx gj jkT;] 'kgj rFkk nwj xkaoksa rd iwjs ns'k esa dEiuh ds yk[kksa ,lksfl;sV~l ,oe~ gtkjksa LVkWfdLV~l gSaA yk[kksa yksx izfrfnu vkbZ-,e-lh- ds izkWMDV~l dk mi;ksx djrs gSa rFkk budh la[;k yxkrkj c<+rh tk jgh gSA dEiuh mÙke DokfyVh ds vk;qosZfnd izkWMDV~l okftc nkeksa ij miyC/k djokrh gSA

baVjuS'kuy gcZy dkWjiksjs'ku izkbosV fyfeVsM ¼vkbZ-,p-lh-½] vkbZ-,e-lh- dk lg;ksxh eSU;wQSDpfjax ;wfuV gS tks fd flndqy] gfj}kj ¼mÙkjk[k.M½ esa fLFkr gSA vkbZ-,p-lh- mÙkjk[k.M vk;qosZfnd foHkkx }kjk th-,e-ih-] MCY;w-,p-vks- th-,e-ih-] th-ih-ih-] gyky] vkbZ-,l-vks- 22000%2005] vkbZ-,l-vks- 9001%2008 rFkk ,p-,-lh-lh-ih- izekf.kr dEiuh gSA uohu rduhd ls ;qDr e'khujh ds ek/;e ls rFkk ckW;ks&QkekZL;wfVdy ,DliVZ~l] MkWDV~lZ] izksQSllZ] jhlpZlZ rFkk Mk;jSDV lSfyax izac/kdksa dh ns[k&js[k esa lSdM+ksa deZpkfj;ksa ds lkFk dEiuh mPp DokfyVh ds izkWMDV~l miyC/k djokus gsrw fujarj dk;Zjr gSA gekjk DokfyVh daVªksy LVkWQ izkWMD'ku ds le; izR;sd Lrj ij dM+h utj j[krk gSA ifj.kkeLo:i vkbZ-,e-lh- ,lksfl;sV~l iwjs fo'okl ds lkFk yksxksa dks izkWMDV~l miyC/k djokrs gq;s viuk O;olk; QSyk ldrs gSaA

dEiuh ds ckjs esa laf{kIr tkudkjh

fctuslfctuslfctuslIyku

vkbZ-,e-lh- fctusl%

? 18 o"kZ rFkk blls vf/kd vk;q dk dksbZ Hkh ¼O;Ld½ O;fDr fcuk fdlh fuos'k ds vkbZ-,e-lh- fctusl Tokbu dj ldrk gSA

? vkbZ-,e-lh- ds ,lksfl;sV cu dj vkidks dEiuh ds izkWMDV~l 40 izfr'kr rd dh NwV (Discounted Rates) ij feyus 'kq: gks tk;saxsA

TokbZfuax ,oe~ vkbZ Mh ,fDVos'ku ¼ID Activation½ %

? vkbZ-,e-lh- esa fctusl ,lksfl;sV cuus ¼TokbZu djus½ ds fy;s ,d O;fDr dk vkWu&ykbZu jftLVj gksuk vfuok;Z gSA ,d O;fDr vkWu&ykbZu ,Iyhds'ku QkWeZ Hkj dj rFkk

mlh le; lkFk gh vksVhih ¼ou VkbZe ikloMZ½ oSjhfQds'ku djds dEiuh dk fctusl ,lksfl;sV cu ldrk gSA ,lksfl;sV viuk eksckbZy uEcj vksVhih dh lgk;rk ls

oSjhQkbZ dj ldrk gS] tks fd vkWu&ykbZu jftLVMZ gksus ds ckn ,lksfl;sV ds jftLVMZ eksckbZy uEcj ij Hkstk tkrk gSA ,d jftLVMZ eksckbZy uEcj ls dsoy ,d ckj gh jftLVªs'ku gks ldrk gSA

? vxj ,lksfl;sV vkWu&ykbZu ,Iyhds'ku QkWeZ Hkjrs le; vksVhih dh lgk;rk ls viuk eksckbZy uEcj mlh le; lkFk gh oSjkQkbZ ugha djrk rks vkWu&ykbZu ,Iyhds'ku QkWeZ Hkjus ds ckn 48 ?k.Vs ds vanj&vanj og

,slk dj ldrk gS] vU;Fkk ,lksfl;sV dh vkbZ-Mh- Lor% gh fMyhV gks tkrh gSA tc rd dksbZ ,lksfl;sV vksVhih ds lkFk viuk eksckbZy uEcj oSjhQkbZ ugha djsxk] og vius lkFk fdlh vU; ,lksfl;sV dks Liksalj

rFkk@vFkok dEiuh ls dksbZ Hkh [kjhnnkjh ugha dj ldrkA

?vius fctusl ls vk; ysus ds fy;s fctusl ,lksfl;sV dks viuh ikliksVZ lkbZt QksVks] viuk vk/kkj uEcj] iSu uEcj] cSad dh ikl cqd vFkok dSaly pSd rFkk vius KYC Documents ¼igpku i= vkSj fuokl LFkku

ds çek.k i= tSls fd Mªkbfoax ykblsal] ikliksVZ] vk/kkj dkMZ] oksVj dkMZ] iSu dkMZ½ vkfn vko';d dkxtksa dh Lo&gLrk{kfjr {Self attested} lkW¶V dkWih dEiuh dh oSc lkbZV ij viuh izksQkby esa viyksM djuh

gksaxhA ;fn TokbZfuax djrs le; fdlh ,lksfl;sV dh vU; lzksrksa ls vk; rFkk fctusl VuZ vksoj ¼;fn dksbZ gks½] 20 yk[k ls vf/kd gksxh rks mijksDr Documents ds lkFk th,lVh uEcj nsuk Hkh vfuok;Z gksxkA tc

rd ,lksfl;sV mijksDr Documents viyksM ugha djok;sxk rc rd dksbZ Hkh lsYl balSafVo fjyht ugha gksxkA

JOIN

FREE

fcuk fdlh bUoSLVeSaV dk fctusl Ýh oSc ist

,D;qewysfVo ijQksjeSal bUlSfUVobUde 10-35%

LiS'ky bUlSfUVo vokMZ 15% rd yhMjf'ki cksul 13%

eksVjckbZd Q.M 2%

fjVsy izksfQV 40% rd

VSªofyax Q.M 2%

gkÅl Q.M 2%

dkj Q.M 2%

vksujsjh cksul 5% rd jkW;y lkykuk cksul 4% rd

vkbZ-,e-lh- ds fctusl ,lksfl;sV cuus ds ykHk

“ ”tc vki izksfQV ySoy ij35%

igq¡p tkrs gSa rks vki lqij LVkj,lksfl;sV cu tkrs gaSA

1,001

7,501

25,001

75,001

1,50,001

10%

20%

25%

30%

35%

fctusl okWY;we ¼ch-oh-½ izksfQV ySoy

LVkj 1

LVkj 2

LVkj 3

LVkj 4

lqij LVkj

vokWMZ

ch-oh- % lHkh çkWMDV~l ds ch-oh- ¼fctusl okY;we½ fu/kkZfjr fd;s x;s gSaA ch-oh- ds vk/kkj ij gh gj eghus feyus okys lHkh izdkj ds deh'ku dk fu/kkZj.k fd;k tkrk gSA

,lksfl;sV~l ds }kjk cuk;s x;s fctusl okWY;we ij ySoy vkSj izksfQV dh x.kuk dh tkrh gSA

dEiuh dk fctusl Iyku tqM+rs tkus okyk (;kfu Accumulative) Iyku gSA

10 ls 35 izfr’kr ,D;weqysfVo ijQksjeSal bUlSafVo %vkids ijQksjeSal bUlSafVo dh x.kuk ds fy;s [kjhns x;s izkWMDV~l ds ekfld ch-oh- tqM+rs jgsaxs ¼;kfu Accumulate gksrs jgsaxs½A vkbZ-,e-lh- lsYl ,.M ekdsZfVax Iyku vkids ¼ih-ch-oh-½

vkSj vkids iluZuy xzqi }kjk cuk;s x;s dqy fctusl okWY;we ¼ih-th-ch-oh-½ ds vk/kkj ij vkidks 10 ls 35 izfr'kr rd bUlSafVo ikus dk volj nsrk gSA

vkids MkÅuykbu uSVodZ }kjk fd;k x;k izR;sd ekg dk fctusl Hkh vkids fctusl esa tksM+k tk;sxk rFkk vkids ySoy dh x.kuk djus ds fy;s fiNys eghus rd ds fctusl esa ml eghus dk

fctusl tksM+k tk;sxkA ,d ckj tc vki fdlh ySoy ij igq¡p tk;saxs rks vkidk ySoy ft+Unxh Hkj mlls de ugha gksxk rFkk vki mlls Åij ds ySoy dh vksj c<+rs jgsaxsA eku yhft;s vki

lqij LVkj ;kfu 35 izfr'kr ySoy ij igq¡p tkrs gSa rks vkidks vius fctusl okWY;we dk 35 izfr'kr ykHk feysxkA

vxj vkids uhps dksbZ Hkh ,lksfl;sV fdlh Hkh ySoy ij igq¡p tkrk gS rks mlds ySoy vkSj vkids ySoy ds izfr'kr dk vUrj vkidks feysxkA dqy ijQksjeSal bUlSafVo esa ls vkidh

MkÅuykbZu dk curk ijQksjeSal bUlSafVo fudky dj vkids ,lksfl;sV~l dks rFkk vkidh vkenu vkidks vnk dj nh tk;sxhA ;s bUlSafVo bUde VSDl foHkkx }kjk fu/kkZfjr Vh-Mh-,l-

dkV dj vkids cSad [kkrs esa VªkalQj dj fn;s tk;saxsA

vki vius lkFk ftrus pkgsa ,lksfl;sV~l cuk ldrs gSaA vki ftrus vf/kd ,lksfl;sV~l cuk,axs rFkk vki vkSj vkids ,lksfl;sV~l ftrus vf/kd lsYl okWY;we cuk;saxs mruk vf/kd ykHk

vkidks feysxkA

ilZuy fctusl okWY;we ¼ih-ch-oh-½ % tc dksbZ ,lksfl;sV viuh vkbZ-Mh- ij izkWMDV~l [kjhnsxk rks mu ij feyus okys ch-oh- muds ilZuy fctusl okWY;we ¼ih-ch-

oh-½ gksaxsA

xzqi fctusl okWY;we ¼th-ch-oh-½ % vkidh fofHkUu MkÅuykbZUl esa cus ch-oh-] Hkys gh oks MkÅuykbZu fdlh Hkh ySoy ;k DokfyfQds'ku dks ik pqdh gksa] vkids xzqi fctusl

okWY;we ¼th-ch-oh-½ gksaxsA

ilZuy xzqi fctusl okWY;we ¼ih-th-ch-oh-½ % vkidh fofHkUu MkÅuykbZUl esa cus ch-oh- vkSj vkids }kjk cuk;s x;s ch-oh- vkids ilZuy xzqi fctusl okWY;we

¼ih-th-ch-oh-½ gksaxsA tc vkidh MkÅuykbZu esa dksbZ ,lksfl;sV lqij LVkj cu tk;sxk rks mlds ch-oh- vkids ih-th-ch-oh- esa 'kkfey ugha gksaxssA vxj lqij LVkj ySoy ds ,lksfl;sV ds ch-

oh- 30,000 ls de gksaxs rks mlds ch-oh- vkids ih-th-ch-oh- gksaxsA

QkLV lqij LVkj % vxj vki fdlh Hkh ,d eghus esa dsoy 75001 ilZuy xzqi fctusl okWY;we cuk ysrs gSa rks vki ml eghus QkLV lqij LVkj cu tk;saxs vkSj vkidk izksfQV ySoy

35 izfr'kr gks tk;sxkA

DokfyQkbZM lqij LVkj % tc dksbZ Hkh lqij LVkj ,d eghus esa ilZuy xzqi fctusl okWY;we cuk ysrk gS rks ml eghus ds fy;s og DokfyQkbZM lqij LVkj cu tkrk gSA 30,000

vkbZ-,e-lh- fctusl esa ijQksjeSal cksul dh x.kuk dSls dh tkrh gS\

20%

10%

10%

10%

25%

vki

MkmuykbZu ,

MkmuykbZu ch

MkmuykbZu lh

MkmuykbZu Mh

4000 ih-ch-oh-

7600 ih-th-ch-oh-

3000 ih-th-ch-oh-

5000 ih-th-ch-oh-

6000 ih-th-ch-oh-

*

4000

7600

3000

5000

6000

25%

5%

15%

15%

15%

1000/-

380/-

450/-

750/-

900/-

3480/-

vkids ch-oh- ij

MkmuykbZu , ls

MkmuykbZu ch ls

MkmuykbZu lh ls

MkmuykbZu Mh ls

vki 4000 ih-ch-oh-

7600 ih-th-ch-oh- 3000 ih-th-ch-oh- 5000 ih-th-ch-oh- 6000 ih-th-ch-oh-

ekuk vkbZ-,e-lh- fctusl esa TokbZu djds igys eghus vki vius lkFk4 Mk;jSDV ,lksfl;sV~l ¼,] ch] lh vkSj Mh½ dks TokbZu djokrs gSa

vkSj vkids ;s ,lksfl;sV~l vkxs viuh Vhe esa u;s ,lksfl;sV~l cukrs gSa( rFkkvki] vkids Mk;jSDV ,lksfl;sV~l vkSj mudh Vhe ds

,lksfl;sV~l igys eghus esa uhps fn;s vuqlkj ch-oh- cukrs gSarks vkidk vkSj vkidh Vhe dk ijQksjeSal ySoy

uhps nh lkj.kh ds vuqlkj izdkj gksxk %

Åij fn[kkbZ xbZ vkenu dsoy ,d mnkgj.k gSA vkidh okLrfod vkenu vkids vkSj vkidh Vhe ds }kjk

orZeku ekg esa cuk;s x;s dqy fctusl ¼ch-oh-½ ds vuqlkj gksxhA

vkbZ-,e-lh- fctusl esa vkidk ijQksjeSal ySoy r; djus ds fy;s vkids fiNys eghus ds ch-oh- vxys

eghus ds ch-oh- esa tksM+ fn;s tkrs gSa rFkk fctusl IykWu ds vuqlkj vkidk ySoy c<+rk jgrk gSA

4,000

15,000

17,000

19,000

50,000

30%

10%

10%

10%

5%

1,200/-

1,500/-

1,700/-

1,900/-

2,500/-

8,880/-

vkids ch-oh- ij

MkmuykbZu , ls

MkmuykbZu ch ls

MkmuykbZu lh ls

MkmuykbZu Mh ls

4,000

15,000

17,000

19,000

50,000

1,05,000

20%

20%

20%

25%

30%

7,600

3,000

5,000

6,000

26,500

22,600

20,000

24,000

56,000

1,31,500

vki

MkmuykbZu ,

MkmuykbZu ch

MkmuykbZu lh

MkmuykbZu Mh

vkbZ-,e-lh- fctusl esa vkids fiNys eghus ds ch-oh- vxys eghus ds ch-oh- esa tqM+ tkrs gSa vkSjvkidk ijQksjeSal ySoy r; fd;k tkrk gS ysfdu vkidh ekfld vkenu vkids orZeku

ekfld ch-oh- ij feyrh gSA

ekuk nwljs eghus esa vki] vkids 4 Mk;jSDV ,lksfl;sV~l ¼,] ch] lh vkSj Mh½ vkSj mudh Vheds ,lksfl;sV~l uhps fn;s vuqlkj ch-oh- cukrs gSa rks vkidk vkSj vkidh Vhe dk ijQksjeSal ySoy

uhps nh lkj.kh ds vuqlkj gksxk %

*

vki 4000 ih-ch-oh-

15]000 ih-th-ch-oh- 17]000 ih-th-ch-oh- 19]000 ih-th-ch-oh- 50]000 ih-th-ch-oh-

flYoj LVkj ,lksfl;sV

:ch LVkj ,lksfl;sV

ps;jeSu LVkj ,lksfl;sV

,acSlsMj LVkj ,lksfl;sV

izSflMSaV LVkj ,lksfl;sV

xksYM LVkj ,lksfl;sV

Mk;e.M LVkj ,lksfl;sV

,fDVo ps;jeSu LVkj ,lksfl;sV

Økmu ,acSlsMj LVkj ,lksfl;sV

Økmu izSflMSaV LVkj ,lksfl;sV

flYoj :chxksYM ps;jeSu ,acSlsMj LVkj izSflMSaVMk;e.M ,fDVo ps;jeSu Økmu ,acSlsMj Økmu izSflMSaV

vkbZ-,e-lh- dEiuh flYoj LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds lHkh ,lksfl;sV~l dks VSªofyax Q.M ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2 izfr'kr VSªofyax Q.M ds fy, fu/kkZfjr fd;k x;k gSA vxj vki yxkrkj rhu ekg rd gj eghus ,d DokfyQkbZM lqij LVkj ,lksfl;sV ,oe~ 30,000 ih-th-ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s VSªofyax Q.M izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] dsoy mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA

30000ch-oh-

flYoj LVkj ,lksfl;sV vokMZ&izksfQV ySoy 38 izfr'kr %tc vkidk dksbZ Hkh ,d ,lksfl;sV DokfyQkbZM lqij LVkj ,lksfl;sV cu tkrk gS vxj vki mlh eghus30,000 ih-th-ch-oh- cuk ysrs gSa rks vki flYoj LVkj ,lksfl;sV cu tk;saxs vkSj vkidk izksfQV ySoy38 izfr'kr gks tk;sxkA

VªSofyaxVªSofyaxVªSofyaxQ.M&2 izfr'krQ.M&2 izfr'krQ.M&2 izfr'kr

yhMjf'ki cksul & 13 izfr'kr% DokfyQkbZM flYoj LVkj ,lksfl;sV ySoy izkIr djus ds ckn vki vius xzqi ls ik¡p ySoy uhps (Depth) rd ds lHkh lqij LVkj ,lksfl;sV~l

ds fctusl okWY;we ,oe~ mlds Åij dk ySoy izkIr dj pqds ,lksfl;sV~l ds ih-th-ch-oh- dk Øe’k% 5%, 3%, 2%, 2%, 1% ¼dqy 13%½ yhMjf'ki cksul izkIr djsaxsA

5%

5%

5%

5%

5%

5%

5%

5%

5%

3%

3%

3%

3%

3%

3%

3%

3%

3%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

2%

1%

1%

1%

1%

1%

1%

1%

1%

1%

yhMjf'kiyhMjf'kiyhMjf'kicksulcksulcksul

uksV % viuk yhMjf'ki cksul c<+kus ds fy, vki viuh Vhe esa ik¡pos ySoy rd vf/kd ls vf/kd

la[;k esa lqij LVkj ,lksfl;sV izeksV dhft;sA

, ds ih- th- ch- oh- dk 5% ;kfu 1,00,000 x 5% = 5,000.00

ch ds ih- th- ch- oh- dk 3% ;kfu 1,00,000 x 3% = 3,000.00

lh ds ih- th- ch- oh- dk 2% ;kfu 1,00,000 x 2% = 2,000.00

Mh ds ih- th- ch- oh- dk 2% ;kfu 1,00,000 x 2% = 2,000.00

bZ ds ih- th- ch- oh- dk 1% ;kfu 1,50,000 x 1% = 1,500.00

dqy cksul bUde %5,000.00 + 3,000.00 + 2,000.00 + 2,000.00 + 1,500.00 = 13,500.00

mnkgj.k % vkidks lkbM fctusl okY;we 30,000 ih-th-ch-oh- ij vkids ySoy ,oe~ vkidh

MkÅu ds ,lksfl;sV ds ySoy ds vUrj ds vuqlkj bUde feysxh ,oe~ uhps fn;s mnkgj.k dsvuqlkj yhMjf'ki cksul feysxk%

1,50,000

1,00,000

1,00,000

1,00,000

1,00,000

30,000

lqijLVkj

vkbZ-,e-lh- dEiuh xksYM LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds lHkh ,lksfl;sV~l dks eksVjckbZd Q.M ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2 izfr'kr eksVjckbZd Q.M ds fy, fu/kkZfjr fd;k x;k gSA vxj vki yxkrkj rhu ekg rd gj eghus nks fofHkUu MkÅuykbZUl esa nks DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 25,000 ih-th-ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s eksVjckbZd Q.M rFkk VSªofyax Q.M izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] dsoy mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA

xksYM LVkj ,lksfl;sV vokMZ & izksfQV ySoy 41 izfr'kr %tc vkids uhps ,d eghus esa nks vyx&2 MkÅuykbZUl esa nks ,lksfl;sV~l DokfyQkbZM lqij LVkj cu tk;saxs rks vki xksYM LVkj ,lksfl;sV cu tk;saxs vkSj vkidk izksfQV ySoy 41 izfr'kr gks tk;sxk] ysfdu O;oLFkkuqlkj yhMjf'ki cksul ikus ds fy, vkidks 25,000 ih-th-ch-oh- djus gksaxsA

eksVjckbZdQ.M&2 izfr'kr

vkbZ-,e-lh- dEiuh :ch LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds lHkh ,lksfl;sV~l dks dkj Q.M ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2 izfr'kr dkj Q.M ds fy, fu/kkZfjr fd;k x;k gSA vxj vki yxkrkj rhu ekg rd gj eghus pkj fofHkUu MkÅuykbZUl esa pkj DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 20,000 ih-th-ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s dkj Q.M] eksVjckbZd Q.M rFkk VSªofyax Q.M izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA ysfdu vxj :ch LVkj ,lksfl;sV~l fdlh eghus esa dsoy 2 MkÅuykbZUl esa ls 2 DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 25,000 ih-th-ch-oh- cukrs gSa rc Hkh os mijksDr lHkh ykHk izkIr djus ds vf/kdkjh cusaxsA

:ch LVkj ,lksfl;sV vokWMZ&izksfQV ySoy 44 izfr'kr%tc vkids uhps ,d eghus esa pkj vyx&2 MkÅuykbZUl esa pkj ,lksfl;sV~l DokfyQkbZM lqij LVkj cu tk;saxs rks vki :ch LVkj ,lksfl;sV cu tk;saxs vkSj vkidk izksfQV ySoy 44 izfr'kr gks tk;sxk] ysfdu O;oLFkkuqlkj yhMjf'ki cksul ikus ds fy, vkidks 20,000 ih-th-ch-oh- djus gksaxsA

dkjQ.M&2 izfr'kr

Mk;e.M LVkj ,lksfl;sV vokMZ & izksfQV ySoy 47 izfr'kr %tc vkids uhps ,d eghus esa N% MkÅuykbZUl esa N% ,lksfl;sV~l DokfyQkbZM lqij LVkj cu tk;saxs rks vki Mk;e.M LVkj ,lksfl;sV cu tk;saxs vkSj vkidk izksfQV ySoy 47 izfr'kr gks tk;sxk] ysfdu O;oLFkkuqlkj yhMjf'ki cksul ikus ds fy, vkidks 15,000 ih-th-ch-oh- djus gksaxsA

vkbZ-,e-lh- dEiuh Mk;e.M LVkj ,lksfl;sV~l o mlls Åij dk ySoy izkIr dj pqds lHkh ,lksfl;sV~l dks gkÅl Q.M ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2 izfr'kr gkÅl Q.M ds fy, fu/kkZfjr fd;k x;k gSA vxj vki yxkrkj rhu ekg rd gj eghus N% fofHkUu MkÅuykbZUl esa N% DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 15,000 ih-th-ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s gkÅl Q.M] dkj Q.M] eksVjckbZd Q.M rFkk VSªofyax Q.M izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA ysfdu vxj Mk;e.M LVkj ,lksfl;sV~l fdlh eghus esa dsoy 3 MkÅuykbZUl esa ls 3 DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 25,000 ih-th-ch-oh- cukrs gSa rc Hkh os mijksDr lHkh ykHk izkIr djus ds vf/kdkjh cusaxsA

gkÅlgkÅlgkÅlQ.M&2 izfr'krQ.M&2 izfr'krQ.M&2 izfr'kr

ps;jeSu LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50 izfr'kr %tc vkids uhps ,d eghus esa vkB vyx&2 MkÅuykbZUl esa vkB ,lksfl;sV~l DokfyQkbZM lqij LVkj cu tk;saxs rks vki ps;jeSu LVkj ,lksfl;sV cu tk;saxs vkSj vkidk izksfQV ySoy 50 izfr'kr gks tk;sxk] ysfdu O;oLFkkuqlkj yhMjf'ki cksul rFkk ps;jeSu LVkj ,lksfl;sV vksujsjh cksul ikus ds fy, vkidks 10,000 ih-th-ch-oh- djus gksaxsA

vkbZ-,e-lh- dEiuh lHkh DokfyQkbZM ps;jeSu LVkj ,lksfl;sV~l dks ps;jeSu LVkj ,lksfl;sV vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 2 izfr'kr ps;jeSu LVkj ,lksfl;sV vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA vxj vki yxkrkj rhu ekg rd gj eghus vkB fofHkUu MkÅuykbZUl esa vkB DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 10,000 ih-th-ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s lHkh Q.M~l ds vykok ps;jeSu LVkj ,lksfl;sV vksujsjh cksul izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA ysfdu vxj ps;jeSu LVkj ,lksfl;sV~l fdlh eghus esa dsoy 4 MkÅuykbZUl esa ls 4 DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 20,000 ih-th-ch-oh- cukrs gSa rc Hkh os mijksDr lHkh ykHk izkIr djus ds vf/kdkjh cusaxsA

,fDVo ps;jeSu% tks ,lksfl;sV ps;jeSu ySoy izkIr djus ds ckn yxkrkj rhu eghus ps;jeSu ySoy dks cjdjkj j[ksaxs rFkk ps;jeSu LVkj ,lksfl;sV vksujsjh cksul izkIr djus ds vf/kdkjh cu tk;saxs] mUgsa ,fDVo ps;jeSu LVkj dk ySoy nsdj lEekfur fd;k tk;sxkA

vksujsjh cksul&2 izfr'krvksujsjh cksul&2 izfr'krvksujsjh cksul&2 izfr'kr

ps;jeSups;jeSups;jeSuLVkj ,lksfl;sVLVkj ,lksfl;sVLVkj ,lksfl;sV

vxj vki yxkrkj rhu ekg rd gj eghus nl fofHkUu MkÅuykbZUl esa nl DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 10,000 ih-th-ch-oh- rFkk 10 yk[k xzqi ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s lHkh Q.M~l rFkk ps;jeSu LVkj ,lksfl;sV vksujsjh cksul ds vykok ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA ysfdu vxj ,acSlsMj LVkj ,lksfl;sV~l fdlh eghus esa dsoy 5 MkÅuykbZUl esa ls 5 DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 20,000 ih-th-ch-oh- rFkk 10 yk[k xzqi ch-oh- cukrs gSa rc Hkh os mijksDr lHkh ykHk izkIr djus ds vf/kdkjh cusaxsA

,acSlsMj LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50 izfr'kr ,oe~ vksujsjh cksul & 1 izfr'kr %vkbZ-,e-lh- dEiuh lHkh DokfyQkbZM ,acSlsMj LVkj ,lksfl;sV~l dks ps;jeSu LVkj ,lksfl;sV rd ds lHkh ykHk ,oe~ ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 1 izfr'kr ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA

vksujsjh cksul&1 izfr'krvksujsjh cksul&1 izfr'krvksujsjh cksul&1 izfr'kr

,acSlsMj,acSlsMj,acSlsMjLVkj ,lksfl;sVLVkj ,lksfl;sVLVkj ,lksfl;sV

vxj vki yxkrkj rhu ekg rd gj eghus rsjg fofHkUu MkÅuykbZUl esa rsjg DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 10,000 ih-th-ch-oh- rFkk 20 yk[k xzqi ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s lHkh Q.M~l] ps;jeSu LVkj ,lksfl;sV vksujsjh cksul rFkk ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul ds vykok Økmu ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA ysfdu vxj Økmu ,acSlsMj LVkj ,lksfl;sV~l fdlh eghus esa dsoy 7 MkÅuykbZUl esa ls 7 DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 15,000 ih-th-ch-oh- rFkk 20 yk[k xzqi ch-oh- cukrs gSa rc Hkh os mijksDr lHkh ykHk izkIr djus ds vf/kdkjh cusaxsA

Økmu ,acSlsMj LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50 izfr'kr ,oe~ vksujsjh cksul & 1 izfr'kr%vkbZ-,e-lh- dEiuh lHkh DokfyQkbZM Økmu ,acSlsMj LVkj ,lksfl;sV~l dks ,acSlsMj LVkj ,lksfl;sV rd ds lHkh ykHk ,oe~ Økmu ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 1 izfr'kr Økmu ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA

vksujsjh cksul&1 izfr'krvksujsjh cksul&1 izfr'krvksujsjh cksul&1 izfr'kr

Økmu ,acSlsMjØkmu ,acSlsMjØkmu ,acSlsMjLVkj ,lksfl;sVLVkj ,lksfl;sVLVkj ,lksfl;sV

vksujsjh cksul&0-5 izfr'krvksujsjh cksul&0-5 izfr'krvksujsjh cksul&0-5 izfr'kr

izSflMSaVizSflMSaVizSflMSaVLVkj ,lksfl;sVLVkj ,lksfl;sVLVkj ,lksfl;sV

vxj vki yxkrkj rhu ekg rd gj eghus lksyg fofHkUu MkÅuykbZUl esa lksyg DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 10,000 ih-th-ch-oh- rFkk 35 yk[k xzqi ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s lHkh Q.M~l] ps;jeSu LVkj ,lksfl;sV vksujsjh cksul] ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul rFkk Økmu ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul ds vykok izSflMSaV LVkj ,lksfl;sV vksujsjh cksul izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA ysfdu vxj izSflMSaV LVkj ,lksfl;sV~l fdlh eghus esa dsoy 8 MkÅuykbZUl esa ls 8 DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 10,000 ih-th-ch-oh- rFkk 35 yk[k xzqi ch-oh- cukrs gSa rc Hkh os mijksDr lHkh ykHk izkIr djus ds vf/kdkjh cusaxsA

izSflMSaV LVkj ,lksfl;sV vokMZ&izksfQV ySoy 50 izfr'kr ,oe~ vksujsjh cksul & 0.5 izfr'kr%vkbZ-,e-lh- dEiuh lHkh izSflMSaV LVkj ,lksfl;sV~l dks Økmu ,acSlsMj LVkj ,lksfl;sV rd ds lHkh ykHk ,oe~ izSflMSaV LVkj ,lksfl;sV vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds

dqy ch-oh- dk 0.5 izfr'kr izSflMSaV LVkj ,lksfl;sV vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA

vxj vki yxkrkj rhu ekg rd gj eghus chl fofHkUu MkÅuykbZUl esa chl DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 10,000 ih-th-ch-oh- rFkk 50 yk[k xzqi ch-oh- cukrs gSa rks vki pkSFks eghus ls bl ySoy dks eSaVsu djrs gq;s lHkh Q.M~l] ps;jeSu LVkj ,lksfl;sV vksujsjh cksul] ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul] Økmu ,acSlsMj LVkj ,lksfl;sV vksujsjh cksul rFkk izSflMSaV LVkj ,lksfl;sV vksujsjh cksul ds vykok Økmu izSflMSaV LVkj ,lksfl;sV vksujsjh cksul izkIr djus ds vf/kdkjh cu tkrs gSaA mlds ckn vki ftl eghus mijksDr ySoy DokfyQkbZ djasxs] mlh eghus mijksDr ykHk izkIr djus ds vf/kdkjh cusaxsA ysfdu vxj izSflMSaV LVkj ,lksfl;sV~l fdlh eghus esa dsoy 10 MkÅuykbZUl esa ls 10 DokfyQkbZM lqij LVkj ,lksfl;sV~l ,oe~ 10,000 ih-th-ch-oh- rFkk 50 yk[k xzqi ch-oh- cukrs gSa rc Hkh os mijksDr lHkh ykHk izkIr djus ds vf/kdkjh cusaxsA

Økmu izSflMSaV LVkj ,lksfl;sV vokMZ&vksujsjh cksul & 0.5 izfr'kr%vkbZ-,e-lh- dEiuh lHkh Økmu izSflMSaV LVkj ,lksfl;sV~l dks izSflMSaV LVkj ,lksfl;sV rd ds lHkh ykHk ,oe~ Økmu izSflMSaV LVkj ,lksfl;sV vksujsjh cksul ikus dk volj nsrh gSA dEiuh ds dqy ch-oh- dk 0.5 izfr'kr Økmu izSflMSaV LVkj ,lksfl;sV vksujsjh cksul ds fy, fu/kkZfjr fd;k x;k gSA

vksujsjh cksul&0-5 izfr'krvksujsjh cksul&0-5 izfr'krvksujsjh cksul&0-5 izfr'kr

Økmu izSflMSaVØkmu izSflMSaVØkmu izSflMSaVLVkj ,lksfl;sVLVkj ,lksfl;sVLVkj ,lksfl;sV

dksbZ Hkh Q.Mysus dh fof/k

? vf/kd vk; dekus ds fy, vkidks vf/kd ls vf/kd yhMjf'ki cksul izkIr djuk iMs+xk D;ksafd ftruk vf/kd yhMjf'ki cksul gksxk mrus

vf/kd vkidks Q.M feysaxsA? tc vki dksbZ Hkh ySoy izkIr dj ysrs gSa rks vkidks ml ySoy ds vuqlkj fu/kkZfjr ih-th-ch-oh- djus gksaxsA? viuk yhMjf'ki cksul c<+kus ds fy, vki viuh Vhe esa ik¡pos ySoy rd vf/kd ls vf/kd la[;k esa lqij LVkj ,lksfl;sV izeksV dhft;sA? flYoj LVkj ;k mlls Åij ds ySoy gkfly dj pqds ,lksfl;sV~l ftl eghus ftl Hkh ySoy dks eSaVsu djsaxs os ml eghus dsoy ml eSaVsaM

ySoy ds Q.M dks gh izkIr djsaxsA? vxj fdlh ,lksfl;sV dh MkÅuykbZu Vhe esa fdlh ps;jeSu LVkj ,lksfl;sV ds 10 yk[k ls vf/kd th-ch-oh- gSa rks ml ,lksfl;sV dks ml

ps;jeSu ,lksfl;sV Vhe ls fctusl OkkWY;we rFkk vU; ykHk çkIr djus vkSj yhMjf'ki cksul ikus ds fy;s de ls de xksYM LVkj ,lksfl;sV

ySoy ¼nks fofHkUUk MkÅuykbZUl esa nks DokfyQkbZM lqij LVkj½ DokfyQkbZ vFkok eSaVsUk djuk gksxk vkSj mlh eghus 25000 ih-th-ch-oh- cukus

gksaxsA vxj oks ,lksfl;sV ,slk ugha djrk rks ps;jeSu MkÅuykbZu ds xzqi fctusl okWY;we dk ykHk ml ,lksfl;sV dh viykbZu esa eSaVsUM vkSj

DokfyQkbZM xksYM LVkj dks fey tk;sxkA ijUrq ml ,lksfl;sV dks cph gqbZ vU; Mk;jsDV lqij LVkj vkSj lqij LVkj ls Åij ds ySoy dh

MkÅuykbZUl ls yhMjf'ki cksul feysxkA? vxj fdlh ,lksfl;sV dh MkÅuykbZu Vhe esa fdlh ps;jeSu LVkj ,lksfl;sV ds 50 yk[k ls vf/kd th-ch-oh- gS- rks ml ,lksfl;sV dks ml

ps;jeSu ,lksfl;sV Vhe ls fctusl OkkWY;we rFkk vU; ykHk çkIr djus vkSj yhMjf'ki cksul ikus ds fy; de ls de :ch LVkj ,lksfl;sV

ySoy ¼pkj fofHkUUk MkÅuykbZUl esa pkj DokfyQkbZM lqij LVkj½ DokfyQkbZ vFkok eSaVsUk djuk gksxk vkSj mlh eghus 20000 ih-th-ch-oh-

cukus gksaxsA vxj oks ,lksfl;sV ,slk ugha djrk rks ps;jeSu MkÅuykbZu ds xzqi fctusl okWY;we dk ykHk ml ,lksfl;sV dh viykbZu esa eSaVsUM

vkSj DokfyQkbZM :Ckh LVkj dks fey tk;sxkA ijUrq ml ,lksfl;sV dks cph gqbZ vU; Mk;jsDV lqij LVkj vkSj lqij LVkj ls Åij ds ySoy dh

MkÅuykbZUl ls yhMjf'ki cksul feysxkA

Åij crkbZ xbZ ps;jeSu MkÅuykbZUl vkids ySoy dks c<+kus ds fy;s fxuh tk;saxh vkSj vkidks mlh ds vuqlkj ih-th-oh-ch- eSaVsu djus gksaxsA

vkbZ-,e-lh- dEiuh lHkh ps;jeSu LVkj ,lksfl;sV ,oe~ mlls Åij dk ySoy çkIr dj pqds ,lksfl;sV~l dks jkW;y lkykuk cksul ¼vkj-,-ch-½ ikus dk volj nsrh gSA ;g cksul çR;sd eghus çR;sd vphoj ds uke ij

sttek gksrk tk;sxk ,oe~ çR;sd lky foÙk o"kZ lekIr gksus ij ¼31 ekpZ dks½ fn;k tk;sxkA

lkykuk cksul¼vkj-,-ch-½

jkW;y

ps;jeSu LVkj ,lksfl;sV jkW;y lkykuk cksul & 1 izfr'kr % daiuh ds dqy ch-oh- dk 1 izfr'kr ps;jeSu LVkj ,lksfl;sV jkW;y lkykuk cksul ds fy, fu/kkZfjr fd;k x;k gS A lHkh lQy ps;jeSu LVkj ,lksfl;sV dks jkW;y lkykuk cksul ikus ds fy, 8

lqij LVkj MkÅuykbZUl esa viuh çR;sd MkÅuykbZu esa 30,000 th-ch-oh- djus gksaxs rFkk leLRk ¼TOTAL½ Vhe esa 10 yk[k th-ch-oh- ,oe~ 10,000 ih-th-ch-oh- djus gksaxsA

,aCkSlsMj LVkj ,lksfl;sV jkW;y lkykuk cksul&1 izfr'kr % daiuh ds dqy ch-oh- dk 1 izfr'kr ,aCkSlsMj LVkj ,lksfl;sV jkW;y lkykuk cksul ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy ,acSlsMj LVkj ,lksfl;sV dks jkW;y lkykuk cksul ikus ds fy, 10 lqij LVkj MkÅuykbZUl esa viuh çR;sd MkÅuykbZu esa 50,000 th-ch-oh- djus gksaxs rFkk leLRk ¼TOTAL½ Vhe esa 30 yk[k th-ch-oh- ,oe~ 10,000 ih-th-ch-oh- djus gksaxsA

daiuh ds dqy ch-oh- dk 1 izfr'kr Økmu ,acSlsMj Økmu ,acSlsMj LVkj ,lksfl;sV jkW;y lkykuk cksul & 1 izfr'kr %LVkj ,lksfl;sV jkW;y lkykuk cksul ds fy, fu/kkZfjr fd;k x;k gSA lHkh lQy ,acSlsMj LVkj ,lksfl;sV dks jkW;y lkykuk cksul ikus ds fy, 13 lqij LVkj MkÅuykbZUl esa viuh çR;sd MkÅuykbZu esa 1 yk[k th-ch-oh- djus gksaxs rFkk leLRk ¼TOTAL½ Vhe esa 75 yk[k th-ch-oh- ,oe~ 10,000 ih-th-ch-oh- djus gksaxsA

çSflMSaV LVkj ,lksfl;sV jkW;y lkykuk cksul & 0.5 izfr'kr % daiuh ds dqy ch-oh- dk 0.5 izfr'kr çSflMSaV LVkj ,lksfl;sV jkW;y lkykuk cksul ds fy, fu/kkZfjr fd;k x;k gS A lHkh lQy çSflMSaV LVkj ,lksfl;sV dks jkW;y lkykuk cksul ikus ds fy, 16 lqij LVkj MkÅuykbZUl esa viuh çR;sd MkÅuykbZu esa 1 yk[k th-ch-oh- djus gksaxs rFkk leLRk ¼TOTAL½ Vhe esa 1.25 djksM+ th-ch-oh- ,oe~ 10,000 ih-th-ch-oh- djus gksaxsA

daiuh ds dqy ch-oh- dk 0.5 izfr'kr Økmu çSflMSaV Økmu çSflMSaV LVkj ,lksfl;sV jkW;y lkykuk cksul & 0.5 izfr'kr %LVkj ,lksfl;sV jkW;y lkykuk cksul ds fy, fu/kkZfjr fd;k x;k gS A lHkh lQy Økmu çSflMSaV LVkj ,lksfl;sV dks jkW;y lkykuk cksul ikus ds fy, 20 lqij LVkj MkÅuykbZUl esa viuh çR;sd MkÅuykbZu esa 1 yk[k th-ch-oh- djus gksaxs rFkk leLRk ¼TOTAL½ Vhe esa 2 djksM+ th-ch-oh- ,oe~ 10,000 ih-th-ch-oh- djus gksaxsA

dksbZ Hkh ,lksfl;sV ftl eghus Åij crkbZ tks Hkh DokfyfQds'ku izkIr djsxk og ml eghus mlh ySoy ds jkW;y lkykuk uksV %&cksul dk vf/kdkjh cusxkA

dksbZ Hkh ySoy vpho djus ij 1 ikWbaV feysxkA vxj vkidh fdlh Hkh MkÅuykbZu esa jkW;y lkykuk cksul ysus dh fof/k %& dksbZ Hkh ,d ,lksfl;sV ogh ySoy vpho djrk gS rks vkidks 0.25 ikWbaV feysaxsA ,d MkÅuykbZu ls dsoy ,d gh DokfyQkbM ,lksfl;sV ds 0.25 ikWbaV feysaxsA blh rjg vkidh ftruh Hkh MkÅuykbZUl ls DokfyQkbM vphoj curs tk;saxs] mu lHkh MkÅuykbZUl ls vkidks 0.25 ikWbaV feyrs tk;saxsA vkids ftrus T;knk ikWbaV gksaxs mruk vf/kd jkW;y lkykuk cksul vkidks feysxkA

jkW;y lkykuk cksul

ysus dh fof/k¼vkj-,-ch-½

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