fp°S>bfp°S>_p Ñ p_u AphÌeL$spAp° dpfu vy$L$p__° AN∞°X$ L$fhp_yÑ dyÌL°$g b_ph° R>°.lh° Mpsfuv$peL$ hprjÆL$ L$pepL$Î dmu Nep° R>°.

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qfgpefik „eyQf CfiL$dAp ep°S>_p sdpfpÑ k_pÑ kpL$pf L$fhpdpÑsd_° dv$v$ L$fsu hpfp_u hprjÆL$ AphL$ Ap° R>°.

ApZ° h©qŸ_p eyNdpÑ ∆huA° R>uA°: h©qŸ pdsu AphL$, p°sp_u A_° sdpfp qfhpf dpV°$_u dpNZuAp° A_° A°npAp° h√Q° sdpfu bQsp° pR>m flu _l] ≈e s°_yÑ ›ep_ fpMp°. sdpfu bQsp° sd_° hpfp_u AphL$ Ap° s° fus° s°_° L$pd° gNphp°.

qfgpefik „eyQf CfiL$d crhÛe dpV°$ hpfp_u AphL$ kÑfrns fpMhpdpÑ sd_° dv$v$ L$fsu ep°S>_p R>°. ∆h_ fnZ DfpÑs Ap ep°S>_p sdpfu sdpfu fp°L$pZ_u dyv$s A_° sdpfu kyrhp A_ykpf QyL$hZu_yÑ dp›ed kÑv$ Lfhp_u sd_° kp_yL|$msp Ap° R>°.

sdpfpÑ hprjÆL$ ‚urdedp° S>dp \C_° h©qŸ pd° R>°, S>° sdpfp qfhpf_u hsu AphÌeL$spAp°_° V°$L$p° Aphp dpV°$ sd_° hprjÆL$ QyL$hZpÑ Ap° R>°.

qfgpefik „eyQf CfiL$d kp\°

dyøe gpcp°

‚hprlsp

sdpfu p°rgku_u dyv$s v$frdep_ Nd° –epf° gp°_ g°hp_yÑ kÑv$ L$fp°.

L$f gpcp°

Q|L$hpe°gpÑ ‚urded A_° ‚p· gpcp° f AphL$h°fp_p gpNy L$pev$p A_ykpf L$f gpcp° d°mhp°.

∑ ‚urded QyL$hZu_u dyv$s\u p°rgku_u d°√eyqfV$u ky u v$f hjpØs° hprjÆL$ AphL$ ‚p· L$fp°

∑ p°rgku_u d°√eyqfV$u f sdpfpÑ k_pÑ kpL$pf L$fhp dpV°$ A°L$kpdV$p gpcp° ‚p· \i°

7 \u 12 hjÆ_u dyv$s dpV°$ ‚urded Q|L$hhp_yÑ kÑv$ L$fp°.

A B

sdpfp qfhpf dpV°$ kyfnp

kp_yL|$msp

∑ kÑ |ZÆ p°rgku_u dyv$s dpV°$ ∆h_ fnZ d°mhp°

∑ fpCX$fp° dpfas sdpfyÑ kyfnp fnZ hpfhp_p° rhL$Î

?4.

V|Ñ$L$p Npmp dpV°$Q|L$hp° A_° gpÑbp

Npmp_p gpcp° d°mhp°

1.sdpfu hsu

AphÌeL$spAp°_°V°$L$p° Aphp dpV°$ bu∆

AphL$ Ecu L$fp°

3.Apkp_ ‚hprlsp

kp\° kdepÑsf° sdpfugpCaıV$pCg AN∞°X$ L$fp°

2.∆h_ fnZ

kp\° sdpfp qfhpf_yÑcprh kyfrns L$fp°

qfgpefik „eyQf CfiL$d_p°_- tgºX$, klcpNu ∆h_ hudp ep°S>_p

bQsp° A_° AphL$

1

ep°S>_p L$C fus° L$pd L$f° R>°?

lh° ApZ° A°L$ v$pMgp° gCA°

r_rMg 30 hj_Æ p ° R>.° s ° _pL° $qfeps R> ° A_ ° –_u A_usp s\p 5 hj_Æ u ”y u kp\ ° fl ° R>.° s ° dp_ku_ ° kpfpdp Ñ kpf Ñy rinZ Aphp dpV$° R> °A_ °s_° °ıhs”Ñ L$pfqL$v$} u b_phhp dpN °R>.° Ap dpV$° ps° p_u _pL° $fu L$fhp_u Jdfdp Ñ _pZp Ñ bQphhp A_ ° pR>gp Ñ hjpd£ p Ñ

”y u_p D√Q rinZ_p MQ_Æ ° lpQ¢ u hmhp dpV$° AphL$_p °r_erds ‚hpl dm °sh° u Ïehı\p Ecu L$fhp dpN °R>.°

r_rMg p°sp_yÑ Apfp°¡e R>° A°hyÑ pfspÑ `3,00,000_u d|m hurds fL$d A_° 20 hjÆ_u dyv$s kp\°_u qfgpefik „eyQf CfiL$d ep°S>_p g° R>° A_° 10 hjÆ dpV°$ hprjÆL$ (L$f bpv$ L$fspÑ) `28,302_yÑ ‚urded Q|L$h° R>°.

kÑ≈°N I:

?

?

?

?

?

≈° r_rMg, A°V$g° L°$, hurds d°√eyqfV$u_u spfuM ky u leps fl° sp° s°_° r_Á_rgrMs gpcp° ‚p· \i°

tkg qfhTÆ_fu bp°_k ‚urded QyL$hZu_u dyv$s v$frdep_ DprS>Æs \i°

8%_p AÑv$prS>s hmsf° h°ıV°$X$ tkg qfhTÆ_fu bp°_k `1,29,000 fl°i°

d|m hurds fL$d kp\° h°ıV°$X$ tkg qfhTÆ_fu bp°_k ‚urded QyL$hZu dyv$s R>u v$f –epf bpv$_p p°rgku hjÆ_p AÑs° hprjÆL$ AphL$ |fu pX$hp dpV°$ Dep°N L$fpi°, A°V$g° L°$, (d|m hurds fL$d + h°ıV°$X$ rkÑ g qfhTÆ_fu bp°_k) x AphL$ gpc_yÑ qfbm

20 hjÆ_u p°rgku dyv$s dpV°$ AphL$_p gpc_yÑ qfbm 10% R>°. Apd, 8%_p AÑv$prS>s hmsf° ‚urded QyL$hZu dyv$s R>u v$f°L$ p°rgku hjÆ_° AÑs° Q|L$hhpp” AphL$_p gpck(3,00,000 + 1,29,000) x 10% = `42,900 fl°i°

ep°S>_p_u dyv$s_° AÑs° r_rMg_° `1,00,950 (V$rdÆ_g bp°_k kp\° AphL$_p gpc_p° R>°â p° l·p°)_p° A°L$kpdV$u fL$d_p° gpc ‚p· \pe R>°

kÑ≈°N III: ≈° 13dp p°rgku hjÆdpÑ r_rMg_yÑ ASy>Nsp r__ (‚urded QyL$hZu_u dyv$s R>u) \pe sp° r_rMg_° AphL$_p gpc_p b° l·p ‚p· \C Q|ºep lp°hp\u d©–ey |h£ s°_° AphL$_p gpc ‚p· \pe R>°

kÑ≈°N II: 8dp p°rgku hjÆ_° AÑs° r_rMg_p ASy>Nsp r___p kÑ≈°Np°dpÑ (‚urded QyL$hZu dyv$s v$frdep_)

gpc

V$rdÆ_g bp°_k (`)

d©–ey f hurds fL$d (`)

h°ıV°$X$ qfhTÆ_fu bp°_k (`)

Ly$g d©–ey gpc (`)

AÑv$prS>s hmsfp°AphL$_p° gpc hprjÆL$ (`)

Ly$g AphL$_p° ‚p· gpc (`)

1 5 10 15 20

AphL$_p gpc

V$rdÆ_g bp°_k

‚urded QyL$hZu dyv$s

hjÆ

p°rgku_u dyv$s

V$rdÆ_g bp°_k (`)

Ly$g ‚p· gpcp° (`)

AÑv$prS>s hmsfp°AphL$_p° gpc hprjÆL$ (`)

2

gpcp°_u rhNsp°

Ap ep°S>_p tkg qfhT_Æfu bp°_k A_° V$rdÆ_g bp°_k_u fus° _apdpÑ klcpNu \i°. tkg qfhTÆ_fu bp°_k d|m hurds fL$d_u V$L$phpfu sfuL°$ ‚\d p°rgku hjÆ\u ApfÑc L$fspÑ ‚urded QyL$hZu_u dyv$s v$frdep_ hprjÆL$ ≈l°f L$fhpdpÑ Aph° R>° A_° s° p°rgku_u rsr\_p fp°S> S>dp L$fpi°.

V$rdÆ_g bp°_k, ≈° L$p°C lp°e sp°, h°ıV°$X$ tkg qfhTÆ_fu bp°_k_u V$L$phpfu sfuL°$ ≈l°f L$fpi° A_° p°rgku Adgu lp°e sp° 8dp p°rgku hjÆ_p AÑs\u ApfÑc L$fspÑ d©–ey L°$ d°√eyqfV$u_p kÑ≈°Np°dpÑ Q|L$hhpp” R>°.

hurds_u leprs f p°rgku Adgu lp°e A°A_° khÆ g°ZpÑ ‚urdedp° s° spfuM ky u Q|L$hu v$upÑ lp°e sp° sd_° ‚urded QyL$hZu_u dyv$s R>u v$f°L$ p°rgku hjÆ_p AÑs° AphL$ gpc ‚p· \i°.

AphL$ gpc (d|m hurds fL$d + h°ıV°$X$ tkg qfhTÆ_fu bp°_k) x AphL$_p gpc_yÑ qfbm R>°.

AphL$_p° gpc (CfiL$d b°r_qaV$ - ApCbu) rfbm d|m hurds fL$d_u V$L$phpfu A_° h°ıV°$X$ tkg qfhTÆ_fu bp°_k sfuL°$ r_Á_rgrMs dyS>b fl°I°

?AphL$_p° gpc

‚urded QyL$hZu dyv$s R>u d©–ey f Q|L$hhpp” gpc r_Á_rgrMs fl°I°

d©–ey f hurds fL$d (`)

h°ıV°$X$ tkg qfhTÆ_fu bp°_k (`)

V$rdÆ_g bp°_k (`)

Ly$g gpc

Ly$g d©–ey gpc (`)

Ap°R>p: AphL$_p gpc_p cpNfy ° tkg qfhTÆ_fu bp°_kQ|L$hu v°$hpeyÑ R>° (2 l·p)

gpc

qfgpefik gpCagp¢N k°th¡k f A°L$ _S>f

_p¢ : khÆ Jdf kÑbÑ u kÑv$cp£ R>°â p S>fidqv$hk° Jdf f Appqfs R>°.

gOysd dl—d

ep°S>_p_u dyv$s (hjÆ)

‚h°i kde° Jdf (hjÆ)

d°√eyqfV$u kde° Jdf (hjÆ)

d|m hurds fL$d

‚urded QyL$hZu

‚urded QyL$hZu rhL$Î

qfdpZ

p°rgku_u AX$ u dyv$s

hprjÆL$, AÆhprjÆL$, r”dprkL$ A_° dprkL$

L$p°C kudp _l]

L$p°C kudp _l]

‚urded QyL$hZu dp›ed (hjÆ)

p°rgku_u dyv$s

AphL$_p gpc_u kdL$n hprjÆL$ l·pAp°_u kÑøep

AphL$_p° gpc p°rgku hjÆ_° AÑs° ApfÑc \pe R>°.

ApCbu qfbm

4

ƒepÑ °CX$- A qfbm = Q|L$hpe°gpÑ ‚urded_u kÑøep/ Q|L$hhpp” ‚urdedp°_u Ly$g kÑøepp°rgku °CX$-A b_u S>spÑ ≈° L$p°C lp°e sp° fpCX$f gpcp° sp–L$prgL$ kdp· \i° A_° –epf bpv$ p°rgku L$p°C Z hy bp°_k

DprS>Æs _l] L$fi°. p°rgku gpc Q|L$hu v°$hpe, A°V$g° L°$ d©–ey f, ky fs L°$ d°√eyqfV$u f, A°V$g° kdp· \i°.

‚h°i kde° Jdfp°rgku_u dyv$s (hjÆ)

?D√Q hurds fL$d qX$ıL$pDfiV$D√Q hurds fL$d qX$ıL$pDfiV$ _uQ° dyS>b gpNy \i° ‚urded v$fp° _uQ° dyS>b fl°i°

?‚urded QyL$hZu dpV°$ N∞°k kdeNpmp

?‚urded qX$ıL$[fiV$fieyAfik

w

w

°≈° sd° ApMf spfuM ky udpÑ sdpfyÑ ‚urded cfu _l] iºep sp° sd_° 30 qv$hk_p° N∞°k kdeNpmp° Api° (dprkL$ dp›ed dpV°$ 15 qv$hk). N∞°k kdeNpmp v$frdep_ ep°S>_p Adgu fl°hp kp\° Ap ep°S>_p l°W$m_p khÆ gpcp° Qpgy fl°i°. ≈° L$p°C lp°e sp° v$php° _ Q|L$hpe°gpÑ g°ZpÑ ‚urded L$pu_° Q|L$hpi°.

p°rgku r_Á_rgrMs_u QyL$hZu f ky fs d|Îe ‚p· L$fi°≈° ‚urded QyL$hZu_u dyv$s 10 hjÆ\u Ap°R>u li° sp° L$dk°L$d b° ApMpÑ hjÆ_pÑ ‚urded≈° ‚urded QyL$hZu_u dyv$s 10 hjÆ L°$ hy li° sp° L$dk°L$d ”Z ApMp hjÆ_p ‚urded

≈° L$dk°L$d ”Z hprjÆL$ ‚urded kÑ |ZÆ Q|L$hhpdpÑ ApÏepÑ lp°e sp° ep°S>_p ky fs d|Îe lısNs L$f° R>°. ≈° sdpfu ep°S>_p ky fs d|Îe lısNs L$f° s° |h£ S> sd° ‚urded Q|L$hhp_yÑ bÑ L$fp° sp° sdpfu ep°S>_p N∞°k kdeNpmp_° AÑs° g°‡k \C ≈e R>° A_° d©–ey gpc s\p ≈° L$p°C lp°e sp° fpCX$f gpcp° sp–L$prgL$ kdp· \i° A_° ep°S>_p g°‡k [ı\rsdpÑ lp°e –epf° L$p°C gpc _l] Q|L$hpi°.≈° ep°S>_p ky fs d|Îe lısNs L$f° A_° L$p°C cprh ‚urdedp° Q|L$hpepÑ _ lp°e sp° sd° °CX$-A p°fZ° sdpfu ep°S>_p Qpgy fpMhp_yÑ kÑv$ L$fu iL$p° R>p°.

≈° sdpfu p°guku °CX$-A b_i° Ap ‡gp_ _p gpcp° _uQ° ‚dpZ° Ap°R>p \i°

?kpÑL°$rsL$ ‚urded v$fp° Apfp°¡ehÆL$ yfyj dpV°$ hurds fL$d_p 1000 v$uW$ _d|_p_p ‚urded v$fp° _uQ° dyS>b R>°

10,00,000 A_° hy2,50,000\u

4,99,999 ky u2,50,000\u

Ap°R>p

i|fie

d|m hurds fL$d5,00,000\u

9,99,999 ky u1000 d|m hurds fL$d v$uW$‚urded_yÑ qX$ıL$pDfiV$ ()

gpc s° ºepf° Q|L$hhpp” R>° QyL$hœÑ

d©–ey gpc

AphL$ gpc

d°√eyqfV$u gpc

p°rgku_u dyv$s v$frdep_ d©–ey

‚urded QLy $hZu dvy $s R>u v$f pr° gku hj_Æ ° AsÑ ° leprs f pr° gku_u dvy $s_p AsÑ ky u leprs f

(d|m hurds fL$d x °CX$-A qfbm x ApCbu qfbm) + (h°ıV°$X$ tkg qfhTÆ_fu bp°_k x ApCbu qfbm)

Dºs Ïepøep A_ykpf °CX$- A AphL$_p gpc_p° R>°â p° l·p°

‚urded QLy $hZu dvy $s R>u v$f pr° gku hj_Æ ° AsÑ ° leprs f pr° gku_u dvy $s_p AsÑ ky u leprs f

‚urded QyL$hZu_u dyv$s v$frdep_ d©–ey(d©–ey f hurds fL$d x °CX$- A qfbm) + h°ıV°$X$ tkg qfhTÆ_fu bp°_k

‚urded QyL$hZu dyv$s R>u d©–ey(d©–ey f hurds fL$d$ x °CX$-A qfbm)+ h°ıV°$X$ tkg qfhTÆ_fu bp°_k- AphL$_p gpc sfuL°$ Q|L$hu v$u°gyÑ tkg qfhTÆ_fu bp°_k.

h°ıV°$X$ tkg qfhTÆ_fu bp°_k AphL$_p gpc sfuL°$ Q|L$hu v$uyÑ lp°e –epÑ h°ıV°$X$ qfhTÆ_fu bp°_k x(Q|L$h°gp AphL$_p gpc_p l·p_u kÑøep/ Q|L$hhpp” AphL$_p gpc_p l·p_u Ly$g kÑøep)

?gp°_

?fpCX$fp°

1. qfgpefik V$dÆ gpCa CfiÌeyffik b°r_qaV$ fpCX$f (UIN: 121B009V02)

2.qfgpefik d°S>f krS>ÆL$g b°r_qaV$ fpCX$f (UIN: 121B014V02)

3.qfgpefik qæ$qV$L$g LÑ$qX$ifik (25) fpCX$f (UIN: 121B012V02)

4. qfgpefik A°[ºkX°$fiV$g X°$\ b°r_qaV$ A°fiX$ V$p°V$g A°fiX$ dÆ_fiV$ qX$T°bgd°fiV$ fpCX$f (r_erds ‚urded) (UIN:

121B002V02)

?kp_yL|$m ‚urded QyL$hZu dp›ed

T&C2sdpfu ep°S>_p ky fs d|Îe lısNs L$f° R>u sd° s°_u f gp°_ gC iL$p° R>p°. dl—d gp°_ d|m ep°S>_p l°W$m ky fs d|Îe_p 80% gC iL$pi°. gp°_ f ÏepS> LÑ$ _u ‹pfp kdepÑsf° ı\prs b≈f kÑbÑ u v$fp° dyS>b gpNy L$fpi°. L©$ ep gp°_

f ‚hsÆdp_ ÏepS> v$f ≈Zhp dpV°$ Adpfp° kÑ LÆ$ L$fp°.

AdyL$ ASy>Nsp kÑ≈°Np° kpd° sdpfu A_° sdpfp qfhpfS>_p°_u kyfnp dpV°$ Ad° sd_° _∆hp MQ£ Ap ep°S>_p kp\° r_Á_rgrMs fpCX$fp° Ap°af L$fuA° R>uA°.

fpCX$f l°W$m kÑv$ L$fpe°gu hurds fL$d_° Appf° hpfp_p d©–ey gpc Ap° R>°.

Ap° _ lpVÆ$ kS>Æfu, qL$X$_u V≤$pfik‡gpfiV$, L$p°r_Æep V≤$pfik‡gpfiV°$i_, a°akp_yÑ V≤$pfik‡gpfiV$ hN°f° krls 33 kS>Æfu_u epv$udpÑ\u krS>ÆL$g MQÆ Aphfu g°hp dpV°$ A°L$kpdV$u fL$d |fu pX°$ R>°.

L°$fikf, lpVÆ$ A°V°$L$, °fprgrkk, dyøe Aheh ‚–epfp° Z hN°f° krls 25 NÑcuf [ı\rsAp°_u kÑcpm g°hp dpV°$ A°L$kpdV$u fL$d |fu pX°$ R>°.

≈° AL$ıdps_° gu° kup S> d©–ey/ rhL$gpÑNsp qfZd° sp° hpfp_p d©–ey/ rhL$gpÑNsp gpc Ap° R>°. DfpÑs rhL$gpÑNsp_p kÑ≈°Np°dpÑ fpCX$f l°W$m ‚urded_u gpc_u dpau Qpgy fl° R>°.

hudp_p fpCX$fp° kÑbÑ u khÆ ifsp°, Ahpv$p° rhi°_u rhNsp° dpV°$ L©$ ep fpCX$f_pÑ r_edp° A_° ifsp° A_° fpCX$f_yÑ h°QpZ”L$ L©$ ep ›ep_|hÆL$ hpÑQp° A\hp Adpfp hudp kgplL$pf_p° kÑ LÆ$ L$fp°.

sdpfu pk° hprjÆL$, AÆhprjÆL$, r”dprkL$ L°$ dprkL$ ‚urded Q|L$hhp_p° rhL$Î R>°. r”dprkL$ A_° dprkL$ dp›ed ≈° CkuA°k S>°hp Cg°ºV≤$p°r_L$ dp›ed\u ‚urded Q|L$hhp_u s•epfu bsphhpdpÑ Aph° sp° S> dÑS|>fu Ape R>°. dprkL$ dp›ed dpV°$ ep°S>_p ≈fu L$fhp kde° ‚\d b° drl_p_pÑ ‚urded ANpD\u S> gC g°hpi°.

‚urded f gp°qXÑ$N _uQ° Ap°gp L$p°Ù$L$ A_ykpf gpNy \i°

Afie rhriÛV$spAp°

3

?d°√eyqfV$u gpc:

w

w

?d©–ey gpc:

w‚urded QyL$hZu_u dyv$s v$frdep_ d©–ey:

w‚urded QyL$hZu_u dyv$s R>u d©–ey:

w

w

w

p°rgku_u dyv$s_° AÑs° hurds_u leprs f p°rgku Adgu lp°e A_° khÆ g°ZpÑ ‚urdedp°° Q|L$ÏepÑ lp°e sp° sd_° r_Á_rgrMs ‚p· \i°

≈° L$p°C lp°e sp° VrdÆ_g bp°_k, h—pAphL$_p gpc_p° R>°â p° l·p°

hurds_p d©–ey f d©–ey_u spfuM_p fp°S> p°rgku Adgu lp°e A_° khÆ g°ZpÑ ‚urdedp° Q|L$hu v$upÑ lp°e sp° v$php°v$pf (fp°)_° r_Á_rgrMs ‚p· \i°

d©–ey f hurds fL$d h—p d©–ey_u spfuM_p fp°S> h°ıV°$X$ tkg qfhTÆ_fu bp°_k A_° ≈° L$p°C lp°e sp° V$rdÆ_g bp°_k

d©–ey f hurds fL$d h—p d©–ey_u spfuM_p fp°S> h°ıV°$X$ tkg qfhTÆ_fu bp°_k A_° ≈° L$p°C lp°e sp° V$rdÆ_g bp°_k, S>°dpÑ\u AphL$_p gpc_p° cpN sfuL°$ Q|L$hu v$u°gyÑ qfhTÆ_fu bp°_k bpv$bpL$u L$fpi°AphL$_p gpc_p cpN sfuL°$ qfhTÆ_fu bp°_k Q|L$hu v$uyÑ lp°e s° h°ıV°$X$$ tkg qfhTÆ_fu bp°_k R>° x (Q|L$h°gp AphL$_p gpc_p l·p_u kÑøep/Q|L$hhpp” AphL$_p gpc_p l·p_u Ly$g kÑøep)

d©–ey gpc d©–ey_u spfuM_p fp°S> hudpÑL$_ hpfp_pÑ ‚urdedp° A_° L$fp° bpv$bpL$u L$fspÑ Q|L$hpe°gpÑ khÆ ‚urded_p gOysd 105%_° Apu_ fl°i°. d©–ey f hurds fL$d r_Á_rgrMs_p khp£√Q fl°i°

hprjÆL$ue ‚urded x d©–ey gpc_p° NyZpÑL$d|m hurds fL$d d°√eyqfV$u f Mpsfuv$peL$ hurds fL$d, S>° d|m hurds fL$d x ApCbu qfbm_u kdL$n fl°I°

d©–ey gpc NyZpÑL$ A° 50 hjÆ\u Ap°R>u L°$ kdL$n ‚h°i kde° Jdf dpV°$ 10 A_° 50\u hy ‚h°i Jdf dpV°$ 7 R>°.

dp›ed hprjÆL$ AÆ hprjÆL $r”dprkL$ dprkL$

dp°X$g gp°qXÑ$N

L$fspÑ d|m ep°S>_p l°W$m sdpfp ‹pfp kÑv$ L$fpe°gu d|m hurds fL$d kÑbÑ dpÑ hjÆdpÑ Q|L$hhpp” fL$d R>°. ‚urded QyL$hZu_yÑ dp›ed ep°S>_p_u rsr\ f S> bv$gu iL$pe R>°.sbubu [ı\rs L°$ Afie rhL$pf kp\°_p kbıV$pfiX$XÆ$ ∆h_ dpV°$ LÑ$ _u_u bp°XÆ$ dÑS|>f hudpÑL$_ _urs AÑsNÆs ep°¡e hpfp_pÑ ‚urded gpNy L$fpi°. |d∞ p__u kMs V°$h fph_pf dpV°$ LÑ$ _u LÑ$ _u_u bp°XÆ$ dÑS|>f hudpÑL$_ _urs A_ykpf ep°¡e hpfp_pÑ ‚urded LÑ$ _u gpNy L$fu iL°$ R>°.

≈° Ap ep°S>_p_p L$p°C Z r_edp° A_° ifsp° kp\° sd° AkÑds lp° sp° sdpfp° hpÑ p° ≈Z L$fu_° s° ‚p‡s L$fhp_p 15 qv$hk_u AÑv$f (30 qv$hk fphsu qX$ıV$fik dpL£$qVÑ$N* Q°_g rkhpe khÆ rhsfZ Q°_gp° dpV°$ gpNy) LÑ$ _u_° ep°S>_p v$ısph°S> pR>p L$fu_° Ap ep°S>_p fv$bpsg L$fu iL$p° R>p°. LÑ$ _u fv$ L$fhp_u spfuM ky u sd_° Ap°gyÑ ∆h_ fnZ A_° sbubu funZ s\p ıV°$Á X$ÈyV$u f LÑ$ _u ‹pfp L$fpe°gp MQÆ dpV°$ ‚dpZkf ≈°Md ‚urded Ap°Ry>Ñ L$fu_° sd° Q|L$h°gpÑ ‚urdedp°_yÑ qfaÑX$ L$fi°.

*qX$ıV$fik dpL£$qVÑ$NdpÑ df∆_u v$f°L$ ‚h©r— (guX$ S>_f°i_ krls) A_° r_Á_rgrMs dp›edp° dpfas hudp ep°S>_p h°QpZ_p° kdph°i \pe R>°:i. V°$rgap°_- L$p°tgN_p° kdph°i fphsyÑ hp°Ck dp°X$ii. ip°VÆ$ d°k°tS>N krhÆkuk (A°kA°dA°k)iii. Cd°Cg, CfiV$f_°V$ A_° CfiV$fA°[ºV$h V°$rgrhT_ (X$uV$uA°Q) krls Cg°ºV≤$p°r_L$ dp°X$iv. kup V$ pg\u A_° AMbpf s\p d°N°Tu_ CfikVÆ$k krls ‚–en dp°X$, A_°v. Ïe[ºsNs rkhpe kÑv°$iÏehlpf_p L$p°C Z dp›edp° dpfas

_p°rd_°i_ kdepÑsf° ky pfZp A_ykpf hudp pfp 1938_u L$gd 39 A_ykpf dÑS|>f L$fpi°.

A°kpC_d°fiV$ kdepÑsf° ky pfZp A_ykpf hudp pfp 1938_u L$gd 38 A_ykpf dÑS|>f L$fpi°.

(1) L$p°C Z Ïe[ºs cpfsdpÑ ∆h__p ≈°Md kÑbÑ ° L$p°C Z ‚L$pf_p° hudp° g°hp L°$ _hu_uL$fZ L$fhp L°$ Qpgy fpMhp L$p°C Z Ïe[ºs_° ‚–en L°$ A‚–en ApN∞l _l] L$fu iL°$ A_° L$p°C Z Q|L$hhpp” L$rdi_ kÑ |ZÆ L°$ rlıkpdpÑ L$p°C Z

R|>V$ L°$ p°rgkudpÑ v$ipÆh°gp ‚urdeddpÑ L$p°C Z R|>V$ Aphp s°_° v°$hpC _\u A_° s°_° s°hyÑ L$fhp_° dÑS|>fu _\u L°$ L$p°C Z Ïe[ºs S>° p°rgku g°su lp°e L°$ _hu_uL$fZ L$fsu lp°e L°$ Qpgy fpMsu lp°e s°_° hud°v$pf_p ‚L$pris v$ısph°S> L°$ L$p°Ù$L$ dyS>b dÑS|>f lp°e s° rkhpe_u L$p°C Z R|>V$ ıhuL$pfi° _l].

(2) L$p°C Z Ïe[ºs Ap L$gd_u ≈°NhpC_yÑ A_ykfZ _l] L$fi° s°_° Í$. v$k gpM ky u_p vÑ$X$ kp\° k≈ \C iL°$ R>°.

9. ‰u g|L$ kdeNpmp

10._p°rd_°i_

11.A°kpC_d°fiV$ A_° V≤$pfikaf

12.kdepÑsf° ky pfZp A_ykpf hudp pfp 1938_u L$gd 41

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L$f L$pev$pAp° a°fapf_° Apu_ R>°. V°$ºk A°ºkVÆ$_u kgpl g°hyÑ k|Tb|TceyØ R>°. Ap ep°S>_p_yÑ b∞p°if$ ep°S>_p_u dyøe rhriÙ$spAp° S> Ap° R>° A_° s° r_edp°, ifsp°, hp°ffiV$uAp° A_° Ahpv$p°_p° L$p°C fus° kÑL°$s _\u. hy rhNsp° dpV°$ Ap ”L$ kp\° h°QpZ b∞p°if A_° ep°S>_p_p Ahpv$p° Z hpÑQu g°hp ≈°CA°. qfgpefik „eyQf CfiL$d kÑbÑ u khÆ ifsp°, Ahpv$p° f hy rhNsp° dpV°$ L©$ ep Adpfp CfiÌeyffik A°X$hpCTfp°_p° kÑ LÆ$ L$fp°. Al] ‚v$riÆs V≤°$X$ gp°Np° Ar_g

1 2ufycpC AÑbpZu h°fiQkÆ ‚pCh°V$ rgrdV°$X$_p° R>° A_° qfgpefik gpCa ‹pfp gpCkfik l°W$m hfpep° R>°. ApfÑc\u. A°S>fiV$ L$pepÆgep° A_° ‚urded 3L$g°L$i_ ApDV$g°Vπ$k_p° kdph°i. b∞pfiX$ C[ºhV$u_p dp°ıV$ V≤$ıV°$X$ b∞pfiXπ$k kh£ 2015 A_ykpf ∆h_ hudp Ó°ZudpÑ "dp°ıV$ V≤$ıV°$X$ b∞pfiXπ$k'dpÑ\u A°L$ sfuL°$

4Q|ÑV$pC. 31 dpQÆ, 2015_p |fp \e°gp _pZpÑL$ue hjÆ dpV°$. ** CL$p°_p°rdL$ V$pCÁk A°fiX$ r_gk°_ b°ıV$ b∞pfiXπ$k kh£, 2014 A_ykpf V$p° 200 b∞pfiX$.

bp°Nk ap°_ L$p°Îk A_° _L$gu/R>°sfpdZu Ap°afp°\u kphp_ flp°e. ApCApfX$uA°ApC S>_sp_° ıÙ$ L$fhp dpN° R>° L°$ 1. ApCApfX$uA°ApC L°$ s°_p ArL$pfuAp° hudp° A\hp _pZpL$ue ep°S>_pAp°_p L$p°C Z ‚L$pf_p h°QpZ S>°hu ‚h©r—Ap°dpÑ kÑL$mpe°gpÑ _\u A\hp ‚urdedp° fp°L$pZ L$fspÑ _\u. 2. ApCApfX$uA°ApC L$p°C Z bp°_k ≈l°f L$fsu _\u. ≈° S>_sp_° Aphp ap°_ L$p°Îk Aph° sp° ap°_ L$p°g, _Ñbf_u rhNsp° kp\° p°guk aqfepv$ _p¢ phhp_u rh_Ñsu R>°.

CIN: U66010MH2001PLC167089. UIN for Reliance Future Income: 121N109V01

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qV$hV$f f Ad_° ap°gp° L$fp° @rel_life

L$p° p£f°V$ L$pepÆge9dp° A_° 10dp° dpm, Apf- V°$L$ pLÆ$, r_gp£_ L$p°Ág°ºk, Np°f°Nph (|hÆ), dyÑbC - 400063.

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≈° sdpfu ep°S>_p ‚urded qX$ıL$[fiV$fieyAfik rhcpNdpÑ kd≈Ïep dyS>b ky fs d|Îe lısNs L$f° A_° sd° sdpfu ep°S>_p qX$ıL$[fiV$fiey L$fhp_yÑ kÑv$ L$fp° sp° sd° ky fs d|Îe_° lL$v$pf b_ip°, S>° ep°S>_p_p N°ffiV$uX$ kf°fiX$f h°Îey (∆A°khu) A\hp ı°rieg kf°fiX$f h°Îey (A°kA°khu)_u D√Q fl°i°. ∆A°khu A_° A°kA°khu_u rhNsp° p°rgku v$ısph°S>dpÑ AphpdpÑ Aphu R>°. ep°S>_p ky fs L$fspÑ S> kdp· \i° A_° –epf R>u y_:ı\prs _l] L$fu iL$pe.

sd° ‚\d _ Q|L$hpe°gp ‚urded_u ApMf spfuM\u b° hjÆ_u AÑv$f, fÑsy ep°S>_p_u d°√eyqfV$u |h£, s°_p kÑ |ZÆ fnZ dpV°$ gpNy ÏepS> kp\° khÆ bpL$u ‚urdedp° cfu_° sdpfu g°‡k/ °CX$- A p°rgku A_° fpCX$fp° y_∆Ærhs L$fu iL$p° R>p°. ep°S>_p y_∆Ærhs L$fhp dpV°$ ÏepS> LÑ$ _u ‹pfp kdepÑsf° ı\prs b≈f kÑbÑ u v$fp° dyS>b gpNy L$fpi°. L©$ ep ep°S>_p

y_∆Ærhs dpV°$_p ‚hsÆdp_ v$fp° ≈Zhp dpV°$ Adpfp° kÑ LÆ$ L$fp°. ep°S>_p A_° ≈° L$p°C lp°e sp° fpCX$fp° y_∆Ærhs L$fhyÑ s° bp°XÆ$ ‹pfp dÑS|>f hudpÑL$_ _urs_° Apu_ fl°i°, A°V$g° L°$, hurds° sbubu funZ, _pZpL$ue hudpÑL$_ hN°f° l°W$m kpf \hyÑ X$u iL°$ R°.

1. a°fapf

2. gp°_

3. L$f gpc

4.k°hp L$f

5.crhÛedpÑ kfL$pf ‹pfp gpNy L$fp_pf L$f

6. Ap–dl–ep Ahpv$

7. fpCX$f

8. hprjÆL$ue ‚urded

d|m hurds fL$d, fnZ rhL$Î, ‚urded QyL$hZu dyv$s A_° ep°S>_p_u dyv$s A°L$ hpf ep°S>_p Adgu bfiep R>u a°fapf _l] L$fu iL$pi°.

°CX$-A ep°S>_pAp° dpV°$ ep°S>_p_u dyv$s v$frdep_ L$p°C Z kde° gp°__u bpL$u fL$d A_° gp°__u bpL$u fL$d f _ Q|L$h°gÑy ÏepS> dmu_° fL$d ky fs d|Îe\u hu ≈e sp° ep°S>_p ky fs d|ÎedpÑ\u gp°__u bpL$u fL$d A_° _ Q|L$h°gp ÏepS>_u fL$d hk|g L$fu_° kdp· L$fpi°.gp°_ guu lp°e s°_u kpd° ep°S>_p dpV°$ ep°S>_ppfL$_° ep°S>_p_p L$p°C Z gpc Q|L$hhp |h£ (d©–ey, d°√eyqfV$u L°$ ky fs) kp•‚\d bpL$u gp°_ A_° bpL$u gp°_ f_yÑ ÏepS> hk|g L$fpi° A_° bpL$u fL$d, ≈° L$p°C lp°e sp° s° gpNy dyS>b ep°S>_ppfL$ L°$ _p°rd_u_° Q|L$hu v°$hpi°.gp°__p l·p _ Q|L$hhp_° gu° L$p°C Adgu L°$ kÑ |ZÆ °CX$-A ep°S>_p ap°fºgp°»X$ _l] L$fpi°.

qfgpefik „eyQf CfiL$d A_° ≈°C L$p°C fpCX$f(fp°) A_pÏep lp°e sp° s°_u kpd° Q|L$hpe°gpÑ ‚urded L$f dy[ºs dpV°$ p” R>°, S>° Ap ep°S>_p l°W$m gpNy AphL$h°fp_p gpcp°_p L$f L$pev$p A_° ifsp°_° Apu_ fl°i° A_° fpCX$f gpcp° ‚hsÆdp_ L$f L$pev$pAp° A_ykpf gpNy \i° A_° kdepÑsf° ky pfZp_° Apu_ fl°i°. apC_pfik A°ºV$ 2012 A_ykpf L$p°C Z kde° d©–ey gpc kp\° 1 A°r‚g, 2012\u ≈fu khÆ ep°S>_pAp° 10 NZpÑ ‚urded\u Ap°R>u lp°e sp° AphL$h°fp pfp_u L$gd 10(10X$u) l°W$m L$f gpc dpV°$ s° p” _\u. DfpÑs Aphu ep°S>_p dpV°$ L$gd 80ku l°W$m L$f gpc d©–ey f hurds fL$d_p aºs 10% ky u kurds fl°i°. L©$ ep Ap rhi° V°$ºk A°ºkVÆ$ pk°\u hy ≈ZL$pfu d°mhu gp°.

k°hp L$f A_° rinZ h°fp° kdepÑsf° kfL$pf ‹pfp ≈l°f gpNy v$fp° A_ykpf d|m ‚urded A_° fpCX$f(fp°) ‚urded DfpÑs gpNy L$fpi°.

crhÛedpÑ kfL$pf L°$ L$p°C Z L$p_|_u k—p ‹pfp L$p°C Z hpfp_p L$f gpNy L$fpe sp° s° ep°S>_ppfL$° Q|L$hhp_p fl°i°. Ap L$f S>dp L$fhp_u Ÿrs rhi° Aphp kÑ≈°Np° l°W$m ep°S>_ppfL$p°_° ANpD\u ≈Z L$fpi°.

≈° ep°S>_p y_∆Ærhs L$epÆ_u spfuM\u L°$ ≈°Md ApfÑc spfuM\u 12 drl_pdpÑ Ap–dl–ep_° gu° d©–ey \pe sp° ep°S>_ppfL$_p _p°rd_u/ v$ph°v$pf ‚urded_p 80% A\hp d©–ey_u spfuM° ky fs d|ÎedpÑ\u S>° Z D√Q lp°e s°_° lL$v$pf fl°i°.

sd° fpCX$f(fp°) (‚h°i Jdf, p°rgku_u dyv$s A_° hurds fL$d)_u ifsp°_° kÑsp°jp° sp° d|m ‚urded DfpÑs hpfp_p ‚urded_u QyL$hZu f ‚urded QyL$hZu_u dyv$s v$frdep_ S> A_phu iL$p° R>p°. Ap fpCX$f gpcp° ‚urded QyL$hZu dyv$s v$frdep_ ep°S>_p_p ApfÑcdpÑ A\hp L$p°C Z ep°S>_p_u rsr\dpÑ Q|ÑV$u iL$pe R>°.fpCX$f hurds fL$d d|m ep°S>_p l°W$m d©–ey f hurds fL$d L$fspÑ D√Q _l] lp°C iL°$. fpCX$f ‚urdedp° d|m ep°S>_p l°W$m Q|L$hpe°gpÑ ‚urded_p 30%\u hy _ lp°hp ≈°CA°. fpCX$f ‚urded QyL$hZu dyv$s ≈° ApDV$k°V$ g°hpC lp°e sp° d|m ep°S>_p_u ‚urded QyL$hZu dyv$s\u hy _l] lp°C iL°$ A\hp ≈° |fsu g°hpC lp°e sp° d|m ep°S>_p_u bpL$u ‚urded QyL$hZu dyv$s\u Ap°R>u A\hp kdL$n fl°i° A_° fpCX$f ‚urded_u kps–esp d|m ep°S>_p l°W$m ‚urded_u kps–esp dyS>b S> fl°i°. d|m ep°S>_p g°‡k, ky fs L°$ S>· L$fp. sp° fpCX$f(fp°) sp–L$prgL$ kdp· \pe R>°.

hprjÆL$ue ‚urded hudpÑL$_ hpfp_pÑ ‚urded A_° ≈° L$p°C lp°e sp° ‚urded dpV°$ gp°qXÑ$N A_° L$fp° A_°/ A\hp g°hu_° bpv$

(T&C)r_edp° A_° ifsp°