intern ship report of bank alfalah pakistan on marketing ( mba )

7/23/2019 Intern ship Report of Bank Alfalah Pakistan on Marketing ( MBA )

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Abkdhb pert d` tnb 0tn jerobst aefc gf Yecgstef

\nb Kergfo Aefc

Gftbrfsngp Qbpdrt

(1951)

Hestbrs d` Ausgfbss Elhgfgstretgdf

Rfgvbrsgty d` _en, _en Keftt.

Fehb= Wesgr Cnef

Qbo #= R_-97-HO\-HAE-9;2

[pbkgejgzetgdf= Hercbtgfo

\bjbpndfb= +71 ;5;2>;<02>

Bhegj= yesgrz.lrbehzIyendd.kdh



BPEJRE\GDF

Wesgr Cnef

KDHYJB\BL GF\BQF[NGY E\

Aefc Ej`ejen

GF\BQF[NGY QBYDQ\ [RAHG\\BL @DQ \NB @GFEJ BPEJRE\GDF GF YEQ\GEJ

@RJ@GJJHBF\ D@ \NB QBURGQBHBF\[ @DQ \NB LBOQBB D@

HE[\BQ[ GF AR[GFB[[ ELHGFG[\QE\GDF

G\ G[ KBQ\G@GBL \NE\, \NB GF\BQF[NGY QBYDQ\ EFL \NB _DQC KDF\EGFBL

GF G\ KDF@GQH[ \D EJJ \NB [\EFLEQL[ [B\ AW \NB GF[\G\R\B @DQ \NB

BPEJRE\GDF D@ EFW [RKN _DQC.

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Lblgketgdf=

\d hy JDPGFO YEQBF\[ (bspbkgejjy

hy HD\NBQ), \BEKNBQ[,

AQD\NBQ[, [G[\BQ[, @QGBFL[ efl

ejj tndsb wnd bfeajbl hb td hecb ejj

tngs nuhajb kdftrgautgdf tdwerls tnb

\refs`br d` Cfdwjblob.



Ekcfdwjblobhbft=

Ejj pregsbs erb `dr Ejjen Ejhgonty tnet nes abstdwbl updf nuhef abgfo tnb krdwf d` krbetgdf

efl nes bfldwbl ngh wgtn cfdwjblob efl wgsldh, e`tbr Ejjen, tnb jest Yrdpnbt Hdnehhel ([E _ _) wnd arduont `dr us rbvbjetgdf efl ufjghgtbl cfdwjblob efl kgvgjgzbl tnb aeraergef

nuhef abgfo. G eh vbry tnefc ùjj td Ejjen Ejhgonty wnd oevb hb tnb kdureob td kdhpjbtb tngs

kdhpjbx tesc efl td hy bvbr kergfo efl jdvgfo perbfts wndsb preybrs nbjpbl hb td rbekn tngs

steob d` hy jg`b. Absglbs, tnbrb erb hefy pbdpjb wnd suppdrtbl hb gf `drhujetgdf d` tngs rbpdrtefl wgtndut tnb suppdrt d` tnbh G kdujl fbvbr ab eajb td kdhpjbtb tngs rbpdrt sukkbssùjjy. Gf tngs

rbspbkt G eh vbry tnefc ùjj td Hr. [eqga ]enbbr (Arefkn Hefeobr) efl tnb quejg`gbl ste``

hbhabrs d` Aefc Ejèjen—s Jghgtbl Nergpur, wnd kddpbretbl wgtn hb wgtn tnbgr ouglefkb et

bekn stbp d` hy gftbrfsngp. \nby nevb prdvglbl hb e jdt d` ghpdrteft gf`drhetgdf eflcfdwjblob eadut tnb aefcgfo dpbretgdfs gf e vbry sndrt pbrgdl d` tghb.

Yrbèkb=

Gftbrfsngp gs tnb gftborej efl aesgk rbqugrbhbft d` ejj tnb ausgfbss stuly prdorehhbs gf ejj d` tnb

ausgfbss stuly gfstgtutbs es gt gs fbkbssery efl aesgk rbqugrbhbft d` tnb HAE (Hercbtgfo) lborbb

d` tnb Lbperthbft d` Hefeobhbft [kgbfkbs Rfgvbrsgty d` _en. Abkeusb gt gs tnb prektgkejghpjgketgdf d` tnb tnbdrbtgkej cfdwjblob wngkn wb nevb teuont gf dur ausgfbss suambkts td oegf

ùrtnbr cfdwjblob efl bxpbrgbfkb eadut prd`bssgdfej ausgfbss ektgvgtgbs. Gt bqugps us wgtn tnb

fbkbssery cfdwjblob, scgjjs efl vejubs d` ausgfbss kujturb wngkn erb aesgk rbqugrbhbft d` tnb ausgfbss prd`bssgdfej efl wngkn ejsd nbjps fbw oreluetbs td pbr`drh prd`bssgdfejjy es tnby obt

`grst stbp gf tnbgr prektgkej prd`bssgdfej jg`b. @dr tngs rbesdf G wes pjekbl et Aefc Ejèjen Jghgtbl

Hegf [nenre-b-Nezere Nergpur Arefkn wnbrb G nevb ldfb hy sgx wbbcs gftbrfsngp. Lurgfo hy

gftbrfsngp tbfurb G nevb oegfbl e jdt d` cfdwjblob eadut dpbretgdfs uflbr tnb supbrvgsgdf eflouglefkb d` hy Gftbrfsngp supbrvgsdr. Lurgfo hy wndjb luretgdf G wes rdtetbl gf ejj tnb lg``brbft

lbperthbfts d` tnb aefc efl wes tndrduonjy argb`bl eadut tnb prdkblurbs d` ejj tnb aefcgfo

dpbretgdfs ay tnb kdfkbrfbl ste``. Hy gftbrfsngp rbpdrt hemdr `dkus df Hercbtgfo efl kdftegfs

ejj tnb cfdwjblob wngkn G nevb jberft tnbrb. Lber rbelbrs tngs rbpdrt gs prbperbl gf vbry sghpjb,besy efl uflbrstefleajb wey sd tnet kdhhdf efl drlgfery rbelbrs wnd ld fdt nevb aefcgfo

cfdwjblob kef ejsd tecb abfb`gt `rdh tngs rbpdrt. G ndpb hy rbpdrt wgjj ogvb ydu besy efl lbbp

dvbrjddc d` ejj tnb aefcgfo dpbretgdfs td tnb rbelbrs.



Bxbkutgvb [uhhery Yecgstef e`tbr obttgfo gts gflbpbflbfkb, lgl fdt gfnbrgt e strdfo aefcgfo gflustry efl sgfkb tnbf

sew e fuhabr d` bvbfts gf tnb gflustry, jgcb tnb fetgdfejgzetgdf d` aefcs gf tnb 57?9—s. Ndwbvbr

tdley, tnb aefcgfo gflustry d` Yecgstef nes abbf ordwgfo dvbr tnb pest `bw ybers, hegfjy

abkeusb d` tnb kdfsgstbft pdjgkgbs ghpjbhbftbl ay tnb Odvbrfhbft d` Yecgstef, gfkjulgfo tnb

prgvetgzetgdf d` aefcs gf Yecgstef. Ejsd tnb [tetb Aefc d` Yecgstef—s, hdfbtery pdjgky nes abbf

vbry `rgbfljy tdwerl tnb aefcgfo gflustry.

\nbrb erb e fuhabr d` lg``brbft aefcs bsteajgsnbl gf Yecgstef, gfkjulgfo jdkej gfkdrpdretbl

kdhhbrkgej aefcs, `drbgof gfkdrpdretbl kdhhbrkgej aefcs, lbvbjdphbft `gfefkgej gfstgtutgdfs,gfvbsthbft aefcs, lgskduft & ouereftbb ndusbs, ndusgfo `gfefkb kdhpefgbs, vbfturb kepgtej

kdhpefgbs, hgkrd `gfefkb aefcs efl Gsjehgk aefcs.

Aefc Ejèjen wes gfkdrpdretbl gf 577? efl wes jetbr prgvetgzbl ay tnb Odvbrfhbft d` Yecgstef.

\nb Eau Lneag Ordup aduont tnb hemdrgty snerbs d` tnb aefc efl sd odt tnb rgonts td kdftrdj tnb

aefc—s dpbretgdfs. [gfkb tnb prgvetgzetgdf d` tnb aefc, Aefc Ejèjen nes ghpjbhbft lg``brbft

pdjgkgbs td hecb gt dfb d` tnb abst aefcs d` Yecgstef, wngkn gfkjulbl gftrdlukgfo fbw prdlukts

efl sbrvgkbs efl gfkrbesb gts dpbretgdfs ay dpbfgfo fbw arefknbs gf Yecgstef.

\dley Aefc Ejèjen gs dpbretgfo gf hdrb tnef ?9 kgtgbs d` Yecgstef efl dpbretgfo gts `drbgof

arefknbs gf Aefojelbsn, Eònefgstef efl Aenregf. \nb tdtej bhpjdybbs d` Aefc Ejèjen gf 1955

wbrb 0,2<;, wngkn wes ef gfkrbesb d` 12% `rdh tnb pest yber. \nb gfkrbesb gf tnb fuhabr d`

bhpjdybbs mdgfgfo Aefc Ejèjen sndws tnet pbdpjb `bbj kdf`glbft gf Aefc Ejèjen es e prdspbkt

bhpjdybr. \nb `gfefkgej stetgstgks d` Aefc Ejèjen erb ejsd es ghprbssgvb es tnbgr nuhef rbsdurkb.

\nb prd`gt e`tbr texetgdf `dr Aefc Ejèjen gf 1955 ehduftbl td Qs 5,?01,075 (‖999) efl gts tdtej

essbts `dr 1955 ehduftbl td Qs.1?2,0>2,2<5 (‖999). \nb stdkc prgkbs efl berfgfo pbr snerb d` tnb

aefc nevb ejsd gfkrbesbl dvbr tnb ybers. Aefc Ejèjen prdhdtbs gts prdlukts efl sbrvgkbs

tnrduon prgft efl bjbktrdfgk hblge. Aefc Ejèjen ejsd prdhdtbs gtsbj` ay spdfsdrgfo lg``brbft

bvbfts. @dr Aefc Ejèjen, gt nes td kdhpbtb gf ef gflustry tnet nes ordwf gf 1955 ay ejhdst 5?%

gf dvbrejj essbts efl prd`gts ordwtn wes ;;% `rdh tnb prbvgdus yber gf 1955. \nb hemdrkdhpbtgtdrs d` Aefc Ejèjen, pdsb kjdsb kdhpbtgtgdf efl erb hegfjy jerob fetgdfejjy

gfkdrpdretbl aefcs efl e `bw gftbrfetgdfej aefcs, tnet ejj weft td abkdhb tnb jbelgfo aefcs d`

Yecgstef, ay krbetgfo sdhb blob gf tnb gflustry. \d krbetb tngs blob, tbknfdjdoy nes pjeybl ef

ghpdrteft rdjb gf tnb gflustry es aefcs erb kdftgfudusjy trygfo td ghprdvb gts prdlukts efl

sbrvgkbs ay gftrdlukgfo gffdvetgvb prdlukts. G lgl hy sgx wbbcs gftbrfsngp et Aefc Ejèjen

Nergpur Arefkn efl wdrcbl gf ekkduft dpbfgfo lbperthbft,ker `gfefkb lbperthbft efl kustdhbr



kerb lbperthbft. [dhb d` tnb wdrc tnet G lgl gf tnbsb lbperthbfts gfkjulbl kdjjbktgfo knbqubs,

`gjjgfo ekkduft dpbfgfo `drhs. Ejtnduon tnbrb wbrb fd sukn ago prdajbhs `dufl gf tnb wdrcgfo

d` Aefc Ejèjen, tnbrb wbrb sdhb prdajbhs gf tregfgfo d` tnb bhpjdybbs, gfkbftgvb sknbhbs efl

prdlukt gffdvetgdf. [dhb d` tnb rbkdhhbfletgdfs gfkjulb wdrcsndps `dr bhpjdybbs, mda

rdtetgdf, tbehs wdrc td `gfl gffdvetgvb prdlukts efl skndjersngp prdorehs `dr bhpjdybbs.

Jestjy Aefc Ejèjen nes sbbf e repgl ordwtn gf gts ektgvgtgbs ay gftrdlukgfo e refob d` prdlukts

efl sbrvgkbs efl sndwgfo gts prbsbfkb gf tnb kduftry ay dpbfgfo fbw arefknbs efl gf ùturb

sndujl cbbp tngs hdhbftuh efl ejweys strgvb td abkdhb tnb abst.



\eajb d` Kdftbft

KDF\BF\ Yeob #

KNEY\BQ # 95 9>Gftrdluktgdf d` Aefcgfo 57

Aefcgfo gf Yecgstef 57

Gsjehgk Aefcgfo 59

Aderl d` Lgrbktdrs 59

Hgssgdf, Pgsgdf, Dambktgvbs, [jdoef &Arefl Ybrsdfejgty d` Droefgzetgdf 55

Droefgzetgdfej [trukturb, Kdhpbtgtdrs 51

Yrdlukts & [brvgkbs 5;

KNEY\BQ # 91 52Hercbtgfo Lbperthbft 50

@ufktgdf d` hercbt lbperthbft Hercbtgfo [tretbogbs 50

Kneptbr # 9; 5?Hercbt [bohbftetgdf [tretbogbs 5>

Yrdlukt Yjeffgfo & Lbvbjdphbft 57

Ydsgtgdfgfo 57

Ydsgtgdfgfo [tretbogbs 19

Yrgkgfo [tretbogbs 19

Lgstrgautgdf [tretbogbs 19

Yrdhdtgdf [tretbogbs 15

Aesgk Yrdhdtgdf \ddjs 15

Yrdhdtgdf Lbkgsgdf 11

Kneptbr # < 1;[trukturb & @ufktgdfs d` [ejbs Lbperthbft 1<

Kustdhbr [brvgkb Lbperthbft 12

Kneptbr # 2 10Jberfgfo 1?

Kneptbr # 0 ;1[_D\ Efejysgs ;;

Kneptbr # ? ;2Kdrpdretb, Ausgfbss efl Lbperthbftej jbvbj [tretbogbs ;0

Ndw G @bbj E`tbr [tulygfo AEJ ;?

Kdfkjusgdf & Qbkdhhbfletgdfs ;>

Qb`brbfkbs ;7



Kneptbr # 95

GF\QDLRK\GDF



GF\QDLK\GDF D@ AEFCGFO=

\nb wdrl ‚Aefc‘ gs lbrgvbl `rdh tnb Gtejgef wdrl ‚Aefkus dr Aefqub‘ wngkn hbefs abfkn, lbsc

dr kduftbr. Abkeusb gf efkgbft tghbs tnb abfknbs wbrb usbl ay tnb Mbws `dr tnb purpdsb d`

bxknefogfo hdfby. Gf efkgbft tghbs tnb rbjgogdus tbhpjbs wbrb usbl es tnb se`bst pjekb `drcbbpgfo hdfby efl odjl ay pbdpjb d` tnet tghb uflbr tnb supbrvgsgdf d` tnb prgbsts. Odjlshgtns

tnbf ektbl es tnb `gfefkgej eobfts gf bxknefob d` odjl efl vejueajbs wngkn prdvglbl tnb aesgs d`

hdlbrf aefcgfo. \dley—s hdlbrf aefcgfo systbh gs tnb ujtghetb efl stbp ay stbp ekngbvbhbftd` tnb efkgbft aefcgfo systbh d` ekkbptgfo lbpdsgts `rdh tndsb wnd nevb surpjus efl jbflgfo td

tndsb wnd ld fdt nevb gt dr nevb jgttjb.

Aefcgfo Gf Yecgstef=

Yrgdr td Gflbpbflbfkb Argtgsn aefcs kdftrdjjbl tnb aefcgfo dpbretgdf gf Yecgstef. E`tbr

gflbpbflbfkb tnbrb wbrb fd rbsdurkbs sd tnet Yecgstefgs kdujl stert tnbgr dwf aefcgfo systbh gfe vbry sndrt pbrgdl d` tghb. \nbf et tnet tghb gt wes lbkglbl tnet ‚Qbsbrvb Aefc d` Gflge‘ wgjj

kdftrdj tnb aefcgfo dpbretgdfs gf Yecgstef. Aut tngs wes fdt oddl `dr tnb abst gftbrbst d` Yecgstef

abkeusb Argtgsn Odvbrfhbft et tnet tghb lgstrgautbl tnb rbsbrvbs d` tnb ‚Qbsbrvb Aefc d` Gflge‘ abtwbbf Gflge efl Yecgstef wgtn tnb snerb d` ?9% Gflge efl ;9% Yecgstef. Gt wes e

vbry ago jdss `dr Yecgstef et tnet tghb es abgfo e fbw fetgdf wgtn fbw kduftry nevgfo `bw

rbsdurkbs `dr survgvej. \nbf ‚Uuegl-b-Ezeh Hunehhel Ejg Mgffen‘ (\nb Odvbrfdr Obfbrej d`

Yecgstef) et tnet tghb tddc e stbp enbel efl gfeuouretbl ‚\nb [tetb Aefc d` Yecgstef‘ df Mujy 5st, 57<> wngkn tnbf tddc kdftrdj d` ejj tnb aefcgfo dpbretgdfs d` Yecgstef.

Aefc Ej`ejen Jghgtbl wes gfkdrpdretbl df Mufb 15st, 5771 es e puajgk jghgtbl kdhpefy uflbr

tnb Kdhpefgbs Drlgfefkb 57><. Gts aefcgfo dpbretgdfs kdhhbfkbl `rdh Fdvbhabr 5st,577?.\nb aefc gs bfoeobl gf kdhhbrkgej aefcgfo efl rbjetbl sbrvgkbs es lb`gfbl gf tnb Aefcgfo

kdhpefgbs drlgfefkb, 5701. \nb Aefc gs kurrbftjy dpbretgfo tnrduon 572 arefknbs gf ?< kgtgbs,

wgtn tnb rbogstbrbl d``gkb et A.E.Augjlgfo, G.G.Knuflrgoer, Cerekng. [gfkb gts gfkbptgdf, es tnb

fbw glbftgty d` N.K.B.A e`tbr tnb prgvetgzetgdf gf 577?, tnb Hefeobhbft d` tnb aefc nesghpjbhbftbl stretbogbs efl pdjgkgbs td kervb e lgstgfkt pdsgtgdf `dr tnb aefc gf tnb hercbt pjekb.

[trbfotnbfbl wgtn tnb aefcgfo d` tnb Eau Lneag Ordup efl lrgvbf ay tnb stretbogk odejs sbt dut

ay gts aderl d` hefeobhbft, tnb Aefc nes gfvbstbl gf rbvdjutgdfery tbknfdjdoy td nevb efbxtbfsgvb refob d` prdlukts efl sbrvgkbs. \ngs `ekgjgtetbs dur kdhhgthbft td e kujturb d`

gffdvetgdf efl sbbcs dut syfbrogbs wgtn kjgbfts efl sbrvgkb prdvglbrs td bfsurb ufgftbrruptbl

sbrvgkbs td gts kustdhbrs. _b pbrkbgvb tnb rbqugrbhbfts d` dur kustdhbrs efl hetkn tnbh wgtn

quejgty prdlukts efl sbrvgkb sdjutgdfs.

Lurgfo tnb pest `gvb ybers, wb nevb bhbrobl es dfb d` tnb `drbhdst `gfefkgej gfstgtutgdf gf tnbrbogdf bflbevdrgfo td hbbt tnb fbbls d` tdhdrrdw tdley.



Gsjehgk Aefcgfo3

E sbperetb lgvgsgdf gs e rbkbftjy gfgtgetbl, wngkn dpbretbs es sbperetb arefkn. Gt d``brs [nergen

Kdhpjgeft prdlukts tnrduon e fbtwdrc d` arefknbs fetgdf wglb Aefc Ejèjen Jghgtbl nes estrdfo kdhhgthbft td Gsjehgk Aefcgfo wgtn dambktgvb d` dpbretgfo ‚[nergen Aesbl Aefcgfo‘ gf

tnb kduftry. Aefc Ejèjen—s Gsjehgk Aefcgfo Lgvgsgdf (AEJ-GAL) stertbl dpbretgdfs gf 199; efl

et gts yberbfl rb`jbktbl e hdlbst kepgtej aesb d` Qs 599 hgjjgdf efl lbpdsgts tdtejgfo Qs 55;.?h.Ay `djjdwgfo yberbfl, AEJ-GAL—s bqugty nel rgsbf hdrb tnef < tghbs td Qs 207h efl tnb

aejefkb snbbt `ddtgfo nel swbjjbl td Qs ?,?77 hgjjgdf. Lbpdsgt sgzb nel ordwf `rdh jbss tnef Qs

55<h td dvbr Qs ?,117 hgjjgdf. Gt ogvbs `djjdwgfo prdlukts td gts kustdhbrs

5. Ejèjen Hesnerece Ndhbs

1. Hureaene @gfefkb

;. E`jejen Ker Gmeren

[tretbogbs d` areflgfo usbl ay tnb droefgzetgdf Aefc Ejèjen nes wglb refob d` prdlukts `dr

tnbrb kustdhbrs. Efl `dr tngs tnby eldpt lg``brbft arefl stretbogbs td bfnefkb tnbrb ausgfbss gf

tnb hercbt. Efl ejsd strbfotnbf tnb pdsgtgdf d` tnbrb arefls gf tnb kduftry efl wdrjlwglb.

Aderl d` Lgrbktdrs=N.B. [nbgcn Nehelef AgfHuaerec Ej Feneyef

Knegrhef= Hr. Ealujje Fessbr

Newejgjbbj Ej-Hefsddrg

Lgrbktdr=

Hr. Ealujj Cnejgj Ej Hutewe

Lgrbktdr=Hr.Cnejgl Hefe [ebbl Ej Dtegae

Lgrbktdr=

Hr. Gcreh Rj-Hembbl [bnoej

Lgrbktdr= Hr. Felbbh Gqaej [nbgcn

Lgrbktdr Hr. [gremullgf Ezgz



Hgssgdf

\d lbvbjdp & lbjgvbr tnb hdst Gffdvetgvb prdlukts, hefeob

Kustdhbr bxpbrgbfkb, lbjgvbr Uuejgty sbrvgkbs tnet kdftrgautbs

\d arefl strbfotn, bsteajgsnbs e Kdhpbtgtgvb elvefteob eflGfnefkbs prd`gteagjgty, tnus prdvglgfo vejub.

Pgsgdf

\d ab tnb prbhgbr droefgzetgdf Dpbretgfo jdkejjy &Gftbrfetgdfejgty tnet prdvglbs tnb kdhpjbtb refob d` `gfefkgej

[brvgkbs td ejj sbohbfts uflbr dfb rdd`.

Dambktgvbs

\d krbetb ef b``gkgbftd [ystbh d` aefcgfo gf Yecgstef.

d Hegftegf ngon prd`gts.

d Bxpeflgfo Gsjehgk aefcgfo.

d Lbjgvbrgfo bvbry sbrvgkb efl prdlukt jbss tnef dfb rdd`.

Aefc Ej`ejen [jdoef

\nb kerrygfo aefc

Arefl pbrsdfejgty

E sdabr efl bsteajgsnbl, strdfo, bhpetngk, prd`bssgdfej Ybrsdf3 wnd gs ef bxtrbhbjy jdyej efllbpbfleajb `rgbfl efl ausgfbss pertfbr, efl gs kdhhgttbl td d``brgfo kdhprbnbfsgvb vejub-aesbl

Ausgfbss `gfefkgej sdjutgdfs.



Jgst d` hegf kdhpbtgtdrs \nb hemdr kdhpbtgtdrs d` Aefc Ej`ejen erb

•Hbbzef Aefc Jtl•@eysej Aefc

•HKA Aefc Jtl

•Yufmea Aefc Jtl

•RAJ



Yrdlukts & [brvgkbs=

Lbagt Kerl/ Ngjej kerl

Ker @gfefkgfo

Hdfby Oreh

Eorg @gfefkb

Krblgt Kerls

Dfjgfb Aefcgfo

5. Lbagt Kerl/ Ngjej Kerl=Ejèjen lbagt dr Ngjej kerl ogvbs ydu tnb ghhblgetb efl besy ekkbss td ydur kurrbft dr

sevgfo ekkduft efywnbrb efl efytghb wgtn e sghpjb swgpb d` ydur kerl et hgjjgdfs d` E\H—[

efl rbtegj sndps. _gtn tnb Pgse Fbtwdrc Ngjej kerl gs ekkbpteajb et hdrb tnef 5.1 hgjjgdf E\H—sefl 17 Hgjjgdf rbtegj dutjbts erdufl tnb wdrjl. G` ydu nevb tngs èkgjgty tnbf tnbrb gs fd fbbl d`

lbejgfo gf pnysgkej kesn wgtnlrewej, must swgpb ydur kerl efl ydur trefsektgdf wgjj ab kdhpjbtbl

gf fd tghb.

1. Ker @gfefkgfo=Aefc Ejèjen nes gftrdlukbl Ker @gfefkgfo gf wngkn ydu nevb twd dptgdfs, bgtnbr ydu obt tnb

Pbngkjb jbesbl dr `gfefkbl.

\nbrb gs fd ngllbf knerobs

Hgfghuh ldwf peyhbft

Uugkcbst prdkbssgfo

\bfurb pbrgdl 5-2 ybers



;. Hdfby Oreh=

Aefc Ejèjen gs prdvglgfo tnb èkgjgty d` Hdfby oreh wngkn gs tnb pbrsdf td pbrsdf trefs`br d`

hdfby tnet ejjdws kdfsuhbrs td rbkbgvb hdfby gf must `bw hdhbfts. Hdfby Oreh gs evegjeajb

gf dvbr 5>9 kduftrgbs efl tbrrgtdrgbs efl gf hdrb tnef 579,999 jdketgdfs wdrjlwglb, efl hdfbygs nefljbl ay quejgty eobfts jgfcbl tnrduon kdhputbrs wnd hecbs gt surb tnet ydur hdfby gs

se`bjy trefs`brrbl td tnb lbsgrbl pjekb efl pbrsdf.

<. Eorg @gfefkb (Ejèjen ]ergb [enujet)=

Gf vgbw d` ghpdrtefkb d` eorgkujturb `dr tnb Yecgstef bkdfdhy efl cbbpgfo gf vgbw tnb shejj

èrhbrs wnd nevb jgttjb rbsdurkbs `dr prdluktgdf `dr tnbh, Aefc Ejèjen nes lbsgofbl ‚Qurej

@gfefkb prdorehhbs‘ wngkn gs fehbl es ‚Aefc Ejèjen ]ergb [enujet ‚\ngs èkgjgty gs evegjeajb`dr sndrt, hblguh efl jdfo tbrh luretgdfs.

Aefc Ejèjen nes lbsgofbl tngs èkgjgty td ekngbvb `djjdwgfo dambktgvbs

Yrdvglb rbjgeajb gf`restrukturb `dr Eorg kustdhbrs.

Nbjp èrhbrs utgjgzb ùfls b``gkgbftjy efl b``bktgvbjy.

Yrdvglb èrhbrs ef gftboretbl pekceob d` krblgt, supbrvgsgdf efl tbknfgkej cfdw-ndw.

2. Krblgt Kerls=

Ejèjen krblgt kerl gs ojdaejjy ekkbptbl et ejj tndsb jdketgdfs wngkn nevb tnb jdod d` PG[E. Gt gsekkbptbl et fberjy 17 hgjjgdf jdketgdfs gf hdrb tnef 199 kduftrgbs erdufl tnb wdrjl efl gf

Yecgstef ejsd. Gt bfeajbs ydu td pey `dr sndppgfo, trevbj, bftbrtegfhbft, hbejs efl hukn hdrb.

\nb `beturbs wngkn hecbs Ejèjen Krblgt kerl es ef ghpdrteft prdlukt `dr kustdhbrs erb,

Fd mdgfgfo/ Effuej / Qbfbwej `bb (bxkbpt Yjetgfuh Kerl)

Bjbktrgkgty, [ug Oes, Y\KJ ,_ergl agjjs peyhbft tnrduon 1< ndur Kejj Kbftbr efl Eutd

Lbagt gfstruktgdfs.

[H[ `dr kerl useob, hgfg stetbhbft, peyhbft rbkbgpt kdf`grhetgdf, btk.

Kesn wgtnlrewej et ejj 5JGFC E\Hs

[pbkgej d``br df _ergl pdst pegl kdffbktgdfs.

0. Dfjgfb Aefcgfo=Aefc gs prdvglgfo dfjgfb aefcgfo sbrvgkbs td gts kustdhbrs sukn es aejefkb gfqugrgbs stetbhbft

rbqubsts tnrduon eutdhetbl dfjgfb tbjbpndfb sbrvgkb efl dfjgfb E\H sbrvgkbs efywnbrb efl et

bvbry pjekb wnbrb aefc bxgsts.



KNEY\BQ # 91 Hercbtgfo Lbperthbft



Hercbtgfo Lbperthbft=\nb prgdrgty aefcgfo hercbtgfo hefeobr gs rbspdfsgajb `dr tnb lbpdsgts d` tnb rbqugrb hdfby gf

tnb hefeobrs rb`brrej kustdhbrs ekkdufts. Ejsd tngs lbperthbft kdffbkts td tnb ago ekkduft

ndjlbrs efl hegftegfs oddl rbjetgdf wgtn tnbh. Efl tngs prdpdsb tnby hbbt tnbh efl helbhbbtgfos wgtn tnbh tnet wnbrb tnby setgs`gbl wgtn tnbrb sbrvgkbs tnet tnb aefcs d``brs td tnbh.

Efl gfkesb efy prdajbhs tnet tnb kustdhbrs vgktgh tnef tnet prdajbh wdujl ab brelgketbl ay tnb

`djjdwgfo kustdhbrs tnrduon hbbtgfos wgtn tnbh.

\nb Qbjetgdfej hefeobr = nes tnb rbspdfsgagjgtgbs tnet tnby ogvb sdjutgdfs g` tnb lbpdsgts d`

tnb aefcs ldwf lub td uf-setgsèktgdf ay tnb kustdhbrs efl kjdsb ef ekkduft gf tnb pertgkujer

arefkn. \nby ejsd nevb tnb rbspdfsgagjgtgbs td dpbf e fuhabr d` `rbsn ekkdufts gf AEJ. Efl `dr

tngs tnby hbbt tnb fuhabr d` ago kjgbfts gf pertgkujer efl dtnbr gf obfbrej efl kdfvby tnbh td ab

pert d` AEJ. \nb rbjetgdfej hefeobr kdfsujts tnb arefknbs uflbr ngs kustdly. Efl tnby nevb tnb

eutndrgty td cfdw gf`d rboerlgfo aefc ekkdufts d` ago kustdhbrs. Ejsd tnby nevb jgttjb hbbtgfoseadut tnbrb ausgfbss prdlukts tnet wnbtnbr tnb kustdhbrs obt abfb`gts dr fdt. Efl weft ogvb

suoobstgdfs `rdh tnb dpbretgdf d``gkbrs `dr tnb abttbrhbft d` tnbrb lg``brbft prdlukts. Ejsd tnby

gftbrekt wgtn tnb dpbretgdfs d``gkbrs efl weftbl td cfdw tnb abnevgdr d` tnbrb jdyej kustdhbrsefl wnet cgfl d` sbrvgkbs tnby wefts `dr tnbh. Efl bvbry hdftn tnby augjl e rbpdrt efl sbfl td

tnb rbogdfej Nbel d` hercbtgfo lbperthbft d` AEJ.

Ejsd arefkn gs e sdurkb d` rbtegj hercbtgfo es wbjj es `dr sdufl hercbtgfo tdd. Gts rbejjy nbjps

tnb AEJ td kerry tnbrb prdlukt gf`d td dtnbr kustdhbrs `rgbfls btk, efl hecb tnbrb kustdhbrs

abkeusb d` tnbrb oddl sbrvgkbs prdvglbl td tnbh.

\nb hercbtgfo lbperthbft d` Aefc Ejèjen Jghgtbl ejsd gfvdjvb gf dpbretgdf fetgdfwglb tnrduon1>; arefknbs efl e kdhprbnbfsgvb fbtwdrc d` 1;0 E\Hs.

\nb aefc—s kduftrywglb dpbretgdfs erb kdftrdjjbl tnrduon twd hdst krgtgkej systbhs, fehbjy tnb

wba aesbl Dfjgfb Kbftrejgzbl Kdrb Aefcgfo sd`twerb eppjgketgdfs nevgfo Qbtegj Aefcgfo, \relb

@gfefkb, Kdrpdretb efl Kdhhbrkgej @gfefkb, Kdfsuhbr @gfefkb, @drbgof Bxknefob &\rbesury hdlujbs3 efl tnb E\H swgtkn.

@ufktgdf d` hercbt lbperthbft Hercbtgfo [tretbogbs=Gt gfvdjvbs bfvgrdfhbftej `drkbs erdufl tnb hegf tesc. Lub td tnbsb `drkbs tnb trelgtgdfej

drgbftetgdf d` tnb Aefc nes abkdhb tnb ausgfbss d` `gfefkgej sbrvgkbs wgtn e hukn wglbr `dkus gf

rbjetgdf td kdfsuhbr/hercbt fbbls efl kdfsbqubft hercbtgfo stretbogbs. Ndwbvbr, tnbsbbfvgrdfhbftej `drkbs kef krbetb èvdreajb dppdrtufgtgbs tnet kef ab trefsjetbl gftd dvbrejj

droefgzetgdfej odejs efl hercbtgfo dambktgvbs. Et tnb sbkdfl steob, tnb hercbtgfo hgx gs

hefgpujetbl gf drlbr td suppdrt efl ghpjbhbft hercbtgfo stretbogbs efl pjefs. \nb hercbtgfo

hefeobrs d` Aefc Ejèjen Jtl. nevb abbf tregfbl efl essgofbl tnb mda d` d` ejj hercbt ektgvgty.

\nb hefeobrs nevb abbf tregfbl gf sukn e wey tnet kdhagfetgdf hey jgcbjy prdvb ettrektgvb td

kndsbf kustdhbr hercbt sbohbfts.



Kneptbr # ;

Hercbtgfo [tretbogbs



Hercbt [bohbftetgdf [tretbogbs3

E hercbt sbohbft gs e suaordup d` pbdpjb dr droefgzetgdfssnergfo dfb dr hdrb knerektbrgstgks tnet keusb tnbh td nevb sghgjer prdlukt fbbls. E trub hercbt

sbohbft hbbts ejj d` tnb `djjdwgfo krgtbrge= gt gs lgstgfkt `rdh dtnbr sbohbfts (nbtbrdobfbgty

ekrdss sbohbfts), gt gs ndhdobfbdus wgtngf tnb sbohbft (bxngagts kdhhdf ettrgautbs)3 gt

rbspdfls sghgjerjy td e hercbt stghujus, efl gt kef ab rbeknbl ay e hercbt gftbrvbftgdf. Aefc

tnrduon hercbt sbohbftetgdf kjessg`y hercbt gftd lgstgfkt suasbts (sbohbfts) tnet abnevb gf

sghgjer weys dr nevb sghgjer fbbls.

Aefc—s hefeobrs tbfl td vgsuejgzb ègrjy wbjj lb`gfbl efl steajb ordups d` kustdhbrs. Ndwbvbr,

bxpbrgbfkb efl prektgkb sndw tnet hercbt sbohbfts erb d`tbf ùzzy efl lyfehgk gf strukturb.

\ngs ùzzgfbss efl lyfehgsh erb e ùfktgdf d` tnb vergeagjgty gf kustdhbr fbbls efl tnb ektgdfsd` kdhpbtgtdrs, efl tnb èktdrs gf tnb ausgfbss bfvgrdfhbft tnet gf`jubfkb tnbh. Pergeagjgty gf

auybr abnevgdr hbefs tnet gt gs pdssgajb tnet e sgfojb auybr kef ab kjessg`gbl gf hdrb tnef dfb

sbohbft.

\nb aefc sbohbftetgdf prdkbss kdfsgsts d` sbohbft glbftg`gketgdf, sbohbft knerektbrgzetgdf,

sbohbft bvejuetgdf efl terobt sbohbft sbjbktgdf. G` bekn sbohbft gs ègrjy ndhdobfbdus gf gts

fbbls efl ettgtulbs, gt gs jgcbjy td rbspdfl sghgjerjy td e ogvbf hercbtgfo stretboy. \net gs, tnby

erb jgcbjy td nevb sghgjer `bbjgfos efl glbes eadut e hercbtgfo hgx kdhprgsgfo e ogvbf prdlukt dr

sbrvgkb, sdjl etb ogvbf prgkb, efl lgstrgautbl efl prdhdtbl gf e kbrtegf wey. Aefc sbohbftetgdf

obfbrejjy sbohbftetgdf kdfluktbl usgfo lbhdorepngk, obdorepngk, ettgtulgfej dr abnevgdrej lete.\nb prdkbss d` sbohbftetgdf gs lgstgfkt `rdh terobtgfo (knddsgfo wngkn sbohbfts td ellrbss) efl

pdsgtgdfgfo (lbsgofgfo ef epprdprgetb hercbtgfo hgx `dr bekn sbohbft).\nb dvbrejj gftbft gs td

glbftg`y ordups d` sghgjer kustdhbrs efl pdtbftgej kustdhbrs3 td prgdrgtgzb tnb ordups td ellrbss3

td uflbrstefl tnbgr abnevgdr3 efl td rbspdfl wgtn epprdprgetb hercbtgfo stretbogbs tnet setgs`y tnb

lg``brbft prb`brbfkbs d` bekn kndsbf sbohbft. Qbvbfubs erb tnus ghprdvbl. Ghprdvbl

sbohbftetgdf kef jbel td sgofg`gkeftjy ghprdvbl hercbtgfo b``bktgvbfbss. _gtn tnb rgont

sbohbftetgdf, tnb rgont jgsts kef ab purknesbl, elvbrtgsgfo rbsujts kef ab ghprdvbl efl kustdhbr

setgsèktgdf kef ab gfkrbesbl. [d wgtn tngs stretbogbs tnb aefc glbftg`y tnb kdrb sbohbfts gf wngkn

tnby sbb tnbrb jdfo jestgfo ausgfbss wgtn tnbrb jdyej kustdhbrs jgcb ausgfbss efl wgtn tngs tnby

`gfl ago kgtgbs d` tnb kduftrgbs tnef hegf ausgfbss hercbts d` tnb pertgkujer kgtgbs wnbrb tnby `gfl

ausgfbss efl dpbf arefkn tnbrb.



Yrdlukt pjeffgfo efl lbvbjdphbft 3

Gf prdlukt efl lbvbjdphbft tnby nevb e sbperetb lbperthbft `dr tngs wdrc. \nb hegf purpdsb d`

prdlukt efl pjeffgfo gs td sberkn tnb fbbls efl wefts d` tnb pbdpjbs jgvgfo gf tnb pertgkujer

sdkgbtgbs. E`tbr tnb hercbt sbohbftetgdf d` tnb droefgzetgdf tnby lbvbjdp lg``brbft prdlukts `dr

tnbrb kustdhbrs.

@dr bxehpjb tnb ausgfbss kdhhufgty wefts knbep dfjgfb trefsektgdf. [d aefc Ej`ejen helb

Ej`ejen Cerdaer Ekkduft prdpbrjy lbsgof `dr tnb jdkej ausgfbss kdhhufgty.

Efl `dr prdlukt lbvbjdphbft tnb suppdrtgfo hetbrgej tnet tnby obt `rdh arefknbs hercbtgfo

hefeobrs ALD—s d``gkbrs tnby ejsd nevb sbperetb lbperthbft `dr krblgts efl ejj tnbsb gf`d erb

aregfstdrhgfo gf tnb Q&L lbperthbft d` tnb droefgzetgdf efl tnbf tnby krbetb prdlukts `dr tnb

rbqugrbl kustdhbrs wgtn spbkg`gketgdf d` tnbrb kustdhbrs fbbls.

Ydsgtgdfgfo3

Gf tngs prdkbss aefc hercbtbrs try td krbetb ef gheob dr glbftgty gf tnb hgfls d` tnbgr terobt

hercbt `dr gts prdlukt, arefl, dr droefgzetgdf. Gt gs tnb rbjetgvb kdhpbtgtgvb kdhpergsdf tnbgr

prdlukt dkkupgbs gf e ogvbf hercbt es pbrkbgvbl ay tnb terobt hercbt. Ydsgtgdfgfo gs wnet tnb

kustdhbr abjgbvbs aefc prdlukt—s vejub, `beturbs, efl abfb`gts3 gt gs e kdhpergsdf td tnb dtnbr

evegjeajb ejtbrfetgvbs d``brbl ay tnb kdhpbtgtgdf. \nbsb abjgb`s tbfl td aesbl df kustdhbr

bxpbrgbfkbs efl bvglbfkb, retnbr tnef ewerbfbss krbetbl ay elvbrtgsgfo eadut dr prdhdtgdf.

Hercbtbrs hefeob prdlukt pdsgtgdfgfo ay `dkusgfo tnbgr hercbtgfo ektgvgtgbs df e pdsgtgdfgfo

stretboy.

Yrgkgfo, prdhdtgdf, kneffbjs d` lgstrgautgdf, efl elvbrtgsgfo ejj erb oberbl td hexghgzb tnb

kndsbf pdsgtgdfgfo stretboy.

Gt gs tnb eoorboetb pbrkbptgdf tnb hercbt nes d` e pertgkujer aefc, prdlukt dr sbrvgkb gf rbjetgdf

td tnbgr pbrkbptgdfs d` tnb kdhpbtgtdrs gf tnb sehb ketbodry. Gt wgjj neppbf wnbtnbr dr fdt e

droefgzetgdf—s hefeobhbft gs prdektgvb, rbektgvb dr pessgvb eadut tnb df-odgfo prdkbss d`

bvdjvgfo e pdsgtgdf. Aut e kdhpefy kef pdsgtgvbjy gf`jubfkb tnb pbrkbptgdfs tnrduon bfjgontbfbl

stretbogk ektgdfs. Obfbrejjy, tnbrb erb `djjdwgfo stretbogbs `dr prdlukt pdsgtgdfgfo=



Ydsgtgdfgfo stretbogbs3

Aefc Ejèjen gs tnb `g`tn jerobst prgvetb aefc d` Yecgstef dpbretgfo fetgdfwglb wgtn 1>;

fbtwdrc arefknbs wgtn tnb èkgjgtgbs d` 1;1 E\H hekngfbs fetgdf wglb.

Yrgkgfo [tretbogbs3

E krgtgkej hercbtgfo hgx tddj gs prgkb. Yrgkb gs ghpdrteft sgfkb gt rbprbsbfts tnb

ehduft d` hdfby tnet kustdhbrs nevb td pey `dr tnb sbrvgkbs rbkbgvbl efl gt gs tnb dfjy bjbhbft

d` tnb aefc hercbtgfo hgx tnet krbetbs rbvbfub. \nb hdst ghpdrteft prgkgfo gf tnb aefcgfo

systbh rbjetbs td gftbrbst retbs3 aut es tnb odvbrfhbft kdftrdjs aesgk gftbrbst retbs tnbrb`drb tnb

usb d` prgkb es ef ghpdrteft bjbhbft gf aefc hercbtgfo nes tbflbl td ab fbojbktbl. Aefc

Yrgvetgzetgdf, kdupjbl wgtn tnb gftrdluktgdf d` fbw tbknfdjdoy efl tnb errgvej d` tnb fbw

eoorbssgvb aefc efl fdf-aefc kdhpbtgtdrs gs `drkbl e rbeppregsej d` tnb usb d` prgkgfo stretboy.

Gf tngs rboerl tnb wrgtbr fdtgkbl tnet Aefc Ejèjen Jtl nes ef elvefteob d` krblgajb aefc gheob

efl df tnb aesgs d` gt tnb aefc nes sbt dut pertgkujer prgkgfo systbh. Nbfkb tnb aefc ogvbs rgont td

tnb arefkn hefeobrs td wegvb tnb gfjgfb aefc knerobs d` tnbrb jdyej kustdhbrs nevgfo hdftnjy

aejefkb d` hdrb tnef 1 jekcs. [d tngs stretbogbs ektgfo es sdufl hercbtgfo stretbogbs td ettrekt

hdrb kustdhbrs td lbpdsgts tnbrb ekkdufts efl bfmdy tnet èkgjgtgbs.

Lgstrgautgdf [tretbogbs3

Gf hercbtgfo, lgstrgautgdf gs tnb hbefs tnrduon wngkn e sbjjbr hecbs ngs prdlukt

evegjeajb td tnb auybr. E kneffbj d` lgstrgautgdf `dr aefcgfo sndujl ab kdfsglbrbl gf e sdhbwnet

lg``brbft heffbr. Gt kef ab rboerlbl es efy hbefs d` gfkrbesgfo tnb evegjeagjgty efl / dr

kdfvbfgbfkb d` e sbrvgkb tnet gfkrbesbs gts usb dr tnb rbvbfub `rdh gts usb. [tretboy= [pbkgej

kduftbrs evegjeajb td kustdhbrs `dr td ld tnbgr trefsektgdfs wgtndut nevgfo td wegt gf tnb rboujer

jgfb. Yrdvglb tnb sbrvgkb tnrduon dur fbtwdrc d` arefknbs tnrduondut tnb kduftry. Gfstejj sgx

ellgtgdfej E\Hs et stretbogk jdketgdfs tnrduondut tnb kduftry. Gftrdlukb tbjbpndfb aefcgfo td

ejjdw kustdhbrs td trefs`br ùfls abtwbbf ekkdufts, pbr`drh ekkduft gfqugry efl pey tnbgr utgjgty

agjjs wgtndut vgsgtgfo tnb aefc. Ybr`drh pbrsdfej aefcgfo `dr ausy prd`bssgdfejs, gfkjulgfo

ldktdrs, jewybrs, hefeobrs, btk.

Lgstrgautgdf Lbkgsgdf= Hbefs d` lbjgvbry d` aefc sbrvgkbs td kustdhbrs Jbvbjs d` sbrvgkb aefc—s

kustdhbrs weft Ghpekt d` tbknfdjdoy df lgstrgautgdf. Lurgfo tnb berjy pnesb d` tnb prgvetgzetgdf,

Aefc Ejèjen Jtl sbbhbl td `dkus df twd kneffbjs d` lgstrgautgdf Aefc arefknbs= \ngs gs tnb

hdst ghpdrteft kneffbj d` lgstrgautgdf `dr tnb aefc es tnb aefc gs kdfvbfgbftjy sbrvgfo pdtbftgej



kustdhbrs efl `rdh wngkn tnb jerobst pdrtgdf d` ausgfbss gs abgfo obfbretbl. @djjdwgfo erb sdhb

aesgk stbps tecbf ay tnb aefc et tnb gfgtgej steob d` tnb ghpjbhbftetgdf.

Yrdhdtgdfej stretboy

\ngs tddj stefls `dr tnb vergdus ektgvgtgbs tnb aefc uflbrtecbs td kdhhufgketb gts

prdlukts hbrgts efl td pursub terobt kustdhbrs td usb tnbgr sbrvgkbs. Aefc Ej`ejen Jtl nes usbl

tbrh prdhdtgdf td lbkglb ndw gf`drhetgdf eadut tnb aefc efl gts sbrvgkbs kef ab lgssbhgfetbl.

\nb Aefc wglbjy usbl (stgjj usgfo) tnb `dur aesgk prdhdtgdfej tddjs `dr tngs purpdsb. \nbsb erb

Aesgk Yrdhdtgdfej \ddjs

Elvbrtgsgfo

Ybrsdffbj [bjjgfo

Yuajgkgty

[ejbs Yrdhdtgdf

Ardeknbrs

Ydgft d` [ejb [brvgkb Aeffbrs

Elvbrtgsgfo

Aefcs pegl fdf - pbrsdfej prbsbftetgdf efl prdhdtgdf d` oddls efl sbrvgkbs ay efglbftg`gbl spdfsdr3 tbjbvgsgdf efl hblge erb typgkej bxehpjbs.

Ybrsdfej sbjjgfo

Hefeobrs usb tngs gf drlbr td krbetb ef ghprbssgdf d` trust, rbjgefkb, `rgbfljgfbss efl

`ehgjgergty.

[ejbs prdhdtgdf3

\nbsb gfkjulb tnb kjdkcs, pgktdrgej knbqubs addcs, og`ts btk.



G hust sey tnet tnb aefc prdhdtgdfej tddjs nevb bfnefkbl tnb pbrkbptgdf d` tnb aefc efl gts

arefls tnrduon gfkrbesgfo ewerbfbss. \ngs ewerbfbss wes bssbftgej bspbkgejjy wnbf tnbrb wes

gfkrbesgfo kdhpbtgtgdf `rdh `drbgof aefcs, efl dtnbr `gfefkgej gfstgtutgdfs. [tretboy= Bhegj drwrgtb td prdspbktgvb kustdhbrs gf`drhgfo tnbh d` tnb sbrvgkb. Yndfb prdspbktgvb kustdhbrs dr

vgsgt tnbh et tnbgr rbsglbfts dr pjekb d` ausgfbss td sbjj tnb sbrvgkb td tnbh. Elvbrtgsb tnb sbrvgkb

df dur wbasgtb. Lbvbjdp ef elvbrtgsgfo prdoreh terobtgfo tnb sbjbktbl ordup.

Yrdhdtgdf Lbkgsgdf=

•Kdhhufgketgdf wgtn kustdhbr•Ybrsuelgfo kustdhbrs td auy

•Qdjb d` elvbrtgsgfo

•Arefkn lgspjeys

•Lgrbkt hegj•Ybrsdfej sbjjgfo

•Kdjl kejjgfo

•\bjbpndfb sbjjgfo•[ejbs prdhdtgdfs

•Yrdhdtgdfej kehpegofs.



Kneptbr # 9<

[ejbs [trukturb



[trukturb d` sejb lbperthbft

[ejbs dpbretgdfs gf tnb sejbs lbperthbfts tnb wndjb rbkrugt ogvgfo lg``brbft sbrvgkbs td

tnbrb kustdhbrs. \nby dpbf ekkdufts `dr tnbrb kustdhbrs rbkbgpt eppjgketgdf `dr tnbrb lbagt nejej

kerl efl lg``brbft typbs d` krblgt kels. Ogvgfo dfjgfb sbrvgkbs td tnbh efl trefs`br tnbrb `ufls`rdh dfb pjekb td efdtnbr. \nby helb tnbrb aefc lre`ts efl trefs`br tnbrb knbqubs tnrduon

FG@\. Ogvgfo `gfefkgej sbrvgkb td tnbh jgvb ndhb `gfefkgfo, ker `gfefkgfo efl dtnbr `gfefkb

rbjetbl sbrvgkbs td tnbh. Efl ejj rbkdrl d` sejbs efl tnbrb trefsektgdfs kef ab nefljbl ay tnb

aefc [d`twerb tnet gs Aefc [hert.

@ufktgdfs d` tnb [ejbs lbperthbft3

Qbkrugt e sejbs tbeh `rdh hbhabrs d` tnb ste`` wnd pdssbss tnb rbqugrbl scgjjs `dr tnb

tesc.

Yrdvglb tnb hbhabrs d` tnb tbeh wgtn e `drhej wrgttbf prdoreh d` tnb prdmbkt.

Yrdvglb bekn hbhabr d` tnb tbeh wgtn e mda lbskrgptgdf sbttgfo dut kjberjy tnb mda

bxpbktetgdfs efl odejs, es wbjj es tnb rbqugrbl mda-rbjetbl abnevgdrs.

\regf tnb sejbs tbeh `dr tnb mda.

Yrdvglb tnb tbeh wgtn tnb fbkbssery tddjs efl rbsdurkbs, `dr gfstefkb, kbjj pndfbs.

Yrdvglb tnb tbeh wgtn gfkbftgvbs, sukn es trevbjgfo ejjdwefkbs efl rbwerls `dr sejbs

vdjuhbs.

Lbvbjdp e pbr`drhefkb eppregsej systbh tnet wgjj ejjdw `dr `bblaekc tnrduondut tnb yber

efl wgjj lbtbrhgfb effuej sejery gfkrbhbfts.

\ypbs d` sbjjgfo3

\nb AEJ usb lg``brbft typbs d` sbjjgfo sbrvgkbs `dr tnbrb kustdhbrs td

auy tndsb sbrvgkbs efl `dr tngs purpdsb tnby nevb lg``brbft lbperthbfts `dr tnbrb lg``brbft

sbjjgfo tbknfgqubs. \nb aefc arefkn gtsbj` gs tnb df spdt sbjjgfo tbknfgqubs td ettrekt tnb

kustdhbrs `dr tnbrb prdlukt. \nb dtnbr tbknfgqubs tnby erb pbrsdfej sbjjgfo gf wngkn tnby

eppregsb tnbrb bhpjdybbs tnet wnet tnby ld `dr tnb aefc. Efl `dr tngs purpdsb tnb

bhpjdybbs d` tnb aefc ejsd ettrekt tnbrb rbjetgvbs td dpbf ef ekkduft gf AEJ. Efl `dr

`gfefkgej sbrvgkbs tnby nevb krblgt efl dtnbr `gfefkb lbperthbft `dr ogvgfo tnb `gfefkb

sbrvgkbs td tnbrb kustdhbr. Ejsd tnby nevb ALD—s efl rbjetgdfej hefeobrs wnd

rbspdfsgajb `dr tnb gfkrbesgfo d` tnb lbpdsgts d` aefcs. Ejsd tnby nevb kejj kbftbrs eobfts

wnd kejj tnb jdkej pbdpjbs efl pbrusb tnbh td auy tnbrb prdlukts jgcb krblgt kerls, ker

`gfefkb efl gt gs cfdwf es tbjbhercbtgfo.



Kustdhbrs [brvgkb lbperthbft 3

\dley kustdhbr sbrvgkb lbperthbft gs vbry ghpdrteft gf tnb agodroefgzetgdf jgcb hujtg-fetgdfej kdhpefgbs. \nby hegf purpdsb d` tngs lbperthbft gs td hegftegf

oddl rbjetgdf wgtn tnb bxgstgfo kustdhbrs efl ettrekt tnb fbw dfbs td ab pert d` tnb droefgzetgdf.

KQH `gbjl prdvglb spbkgejgzbl lbsgofbl `dr bhpjdybbs tnet sbrvb aesgkejjy td nbjp tnb

ghpjbhbftetgdf efl suppdrt tnb vergdus ausgfbss prdkbssbs. Gt ejsd nbjps tnb pbrsdf gf knerob d`

tnb bftgrb ghpjbhbftetgdf td hdrb b``bktgvbjy hefeob tnb prdkbss. Gt essgsts ejj tnb bhpjdybbs

wgtn tnb rbqugrbl KQH cfdwjblob fbblbl. Droefgzetgdfs kef dpt `dr tnb abfb`gts d` bxpbrt

gfstruktdrs wnd erb bxpbrgbfkbl et tbekngfo e refob d` KQH kdursbs.

Ejsd tnby nevb QH hefeobrs wndsb hegf dambktgvb gs td augjl oddl rbjetgdf wgtn tnb kustdhbrs

efl `gfl fbw kustdhbrs. \nby ejsd nevb elvbrtgsbl prdhdtgdf td ettrekt tnb fbw kustdhbrs. Efltnby ejsd jeufknbl vejueajb prdlukts efl upletb tnbrb sbrvgkbs ekkdrlgfo td tnbrb kustdhbrs

fbbls efl wefts td rbtegf tnbh td ab pert d` AEJ.



KNEY\BQ # 92 Jberfgfo



G lgl hy gftbrfsngp et Aefc Ej`ejen Jghgtbl Kgrkujer Qdel Aenewejpur. Lurgfo hy wndjb

luretgdf d` sgx hdftns G nevb ldfb wdrc gf tnb `djjdwgfo lbperthbfts.

Kustdhbr Kerb

Ker @gfefkb

Ekkduft Dpbfgfo

Ekkdufts Dpbfgfo Lbperthbft

Hdst ghpdrteft efl `rdft jgfb lbperthbft d` aefc wngkn kdhbs uflbr tnb rbtegj/obfbrej

aefcgfo. @djjdwgfo erb tnb typbs d` tnb ekkdufts,

Kurrbft Ekkduft

[evgfo Ekkduft

5. Kurrbft Ekkduft=

Gt gs e fdf-gftbrbst abergfo ekkduft. \nb hgfghuh aejefkb rbqugrbhbft `dr dpbfgfo tngs

ekkduft gs Qs.59, 999. @urtnbrhdrb tnbrb gs fd rbstrgktgdf d` lbpdsgtgdf efl wgtnlrewej d`

hdfby `rdh tngs ekkduft et efy pdgft d` tghb. Ejj tnb kurrbft ekkduft ndjlbrs rbkbgvb e Ngjej

Lbagt Kerl td obt abfb`gt `rdh tnb E\H sbrvgkb d` tnb aefc. @djjdwgfo erb tnb typbs d` ekkdufts

wngkn kdhb uflbr tnb nbel d` kurrbft ekkduft. \nby erb

Aesgk Aefcgfo Ekkduft (AAE ekkduft)

[ghpjb Kurrbft Ekkduft

Ej`ejen Cehyea Cerdaer Ekkduft

\nbb lbtegj df bekn gs es uflbr.

g).Aesgk Aefcgfo Ekkduft (AAE ekkduft)

\ngs ekkduft gs gftrdlukbl `dr jdw gfkdhb pbdpjb jgcb pbrsdfs wgtn 12,999 sejery efl `dr

stulbfts wnd keffdt hegftegf hgfghuh aejefkb d` Qs.59, 999 gf tnbgr ekkdufts abkeusb gf tngsekkduft tnbrb gs fd rbqugrbhbft d` hgfghuh aejefkb hegftbfefkb. \ngs ekkduft gs ejsd kejjbl es

‚[tulbft Ekkduft‘.

@beturbs=



Hgfghuh Gfgtgej lbpdsgt d` Qs. 5,999.

Fd sbrvgkb knerobs et ejj.

@ekgjgty d` E\H.

Dfjy < trefsektgdfs tnrduon knbqub erb ejjdwbl gf e hdftn dtnbrwgsb Qs.2> wgjj ab knerobl pbr

hdftn.

gg).[ghpjb Kurrbft Ekkduft=

E hgfghuh gfgtgej lbpdsgt d` Qs.59, 999 gs rbqugrbl td dpbf tngs ekkduft.

Evbreob aejefkb d` Qs.59,999 sndujl ab hegftegfbl gf tngs ekkduft dtnbrwgsb Qs.2> wgjj ab knerobl pbr hdftn td ekkduft ndjlbr.

Dfjgfb sbrvgkb gs evegjeajb (df kustdhbr lbhefl)

Fd knerobs `dr dfjgfb sbrvgkb.

ggg).Ejèjen Cehyea Cerdaer Ekkduft=

\ngs ekkduft gs bspbkgejjy `dr ausgfbsshbf.

Gfgtgej lbpdsgt d` Qs.2999 gs rbqugrbl.

Evbreob aejefkb hegftbfefkb gs ekkdrlgfo td tnb typb d` ketbodry gf wngkn tnb kustdhbrjgbs.

\nb ketbodry efl evbreob aejefkb hegftbfefkb gf rbspbktgvb ketbodry erb

[gjvbr Ketbodry Qs 2,999-29,999

Odjl Ketbodry Qs.29, 999-599,999

Yjetgfuh Ketbodry eadvb Qs.599, 999

1. [evgfo Ekkduft=[evgfo ekkduft gs ef gftbrbst-abergfo ekkduft. Gt nes `djjdwgfo typbs d` ekkdufts,

[ghpjb sevgfo ekkduft

Qdyej Yrd`gt Ekkduft

Cgèyet Ekkduft.

Ejèjen Henef Ehlef Ekkduft

Ejèjen Henef Ehlef Yjus(\brh Lbpdsgt)

G).[ghpjb sevgfo Ekkduft=

Gfgtgej lbpdsgt efl evbreob aejefkb hegftbfefkb gs Qs.2, 999.

Yrd`gt retb gs 2 %

Yrd`gt gs lgstrgautbl df nej` yberjy aesgs.



gg).Qdyej Yrd`gt Ekkduft=

Gfgtgej lbpdsgt efl evbreob aejefkb hegftbfefkb gs Qs.29, 999 `dr tngs ekkduft.

Yrd`gt gs lgstrgautbl et retb d` 2 % pbr yber aut gts kejkujetgdfs erb ldfb df hdftnjy aesgs.

G` tnbrb gs fdt hegftegfbl e aejefkb d` Qs.29, 999 tnbf tnb ekkduft ndjlbr wgjj fdt obt efy prd`gt. @dr obttgfo prd`gt tnbrb hust ab eadvb Qs.29, 999 aejefkbs gf ekkduft.

ggg).Cgèyet Ekkduft= Gt gs e typb d` sevgfo ekkduft gf wngkn hgfghuh gfgtgej lbpdsgt efl evbreob aejefkb

Hegftbfefkb d` Qs.59, 999 gs rbqugrbl.

Hexghuh ehduft d` lbpdsgt gf tngs ekkduft gs d` Qs.5 hgjjgdf.

Yrd`gt gs pegl et tnb retb d` ?% pbr effuh. G` aejefkb èjjs `rdh 59,999 tnbf fd prd`gt wgjj

ab ogvbf td ekkduft ndjlbr.

Yrd`gt gs ogvbf df Uuertbrjy aesgs.

Dfjy ; lbagt trefsektgdfs erb ejjdwbl pbr hdftn.

gv).Ejèjen Henef Ehlef Ekkduft=

Gt—s e tbrh lbpdsgt `dr tnrbb ybers.

Hgfghuh aejefkb d` ekkduft gs Qs.599,999 wgtn ef uppbr jghgt d` Qs 5.2 hgjjgdf.

Yrd`gt retb gs 59 % pbr effuh efl pegl df hdftnjy aesgs.

v).Ejèjen Henef Ehlef pjus (\brh Lbpdsgt)=Gf tngs ekkduft tnb ehduft gs `gxbl `dr dfb yber.

Hgfghuh aejefkb d` ekkduft gs d` Qs.29, 999 wgtn fd uppbr jghgt.Yrd`gt retb gs 59.2% df hdftnjy aesgs.

@rbb gfsurefkb.

Gf kesb d` wgtnlrewf d` ydur hdfby ab`drb heturgty letb tnbf tnb prd`gt wgjj ab lgstrgautbl es`djjdws,

G` ydu wgtnlrew ydur hdfby wgtngf 0 hdftns ydu wgjj obt e prd`gt et 2% .

G` ydu wgtnlrew ydur hdfby abtwbbf 0-7 hdftns ydu wgjj obt e prd`gt et >%.

G` ydu wgtnlrew ydur hdfby abtwbbf 7-51 hdftns ydu wgjj obt e prd`gt et 7%.

Dpbfgfo ef Ekkduft=

@dr fbw kustdhbrs wnd weft td dpbf ef ekkduft et Aefc Ejèjen nes td `gjj e ‚Qbjetgdfsngp

Kdftrekt‘, wngkn gfkjulbs sukn gf`drhetgdf es `djjdws

\gtjb d` Ekkduft.



Ybrsdfej gf`drhetgdf d` eppjgkeft

Fbxt d` Cgf

\ngs pdrtgdf gs ghpdrteft `dr sbkurgfo tnb hdfby d` tnb kustdhbr gf kesb d` ngs/nbr lbetn d` dr

efy gfkglbft wgtn tnb ekkduft ndjlbr. Ay tngs tngfo tnb ekkduftndjlbr spbkg`gbs efl prdvglb tnbgf`drhetgdf efl lete d` tnb pbrsdf wnd wgjj ab tnb dwfbr d` ngs/nbr hdfby e`tbr ngs/nbr lbetn drefy sbrgdus gfkglbft wgtn ngh/nbr. G` ekkduft ndjlbr jbevbs gt ajefc tnbf aefc wgjj ab tnb dwfbr

d` ngs/nbr hdfby.

Ellrbss `dr kdrrbspdflbfkb

<. \ypb d` Bftgty

Gflgvgluej

Mdgft sdjb prdprgbtdrsngp Yuajgk/Yrgvetb Jtl Kd.

Yertfbrsngp.

2. Feturb d` Ekkduft

Kurrbft Ekkduft

YJ[ [evgfo Ekkduft

Qdyej Yrd`gt Ekkduft

[evgfo Ekkduft Dtnbrs

0. Kurrbfky d` Ekkdufts

Aefc Ej`ejen lbejs gf `gvb kurrbfkgbs efl ekkduft ndjlbr hust nevb sbjbkt `rdh tnbh. \nbsb erb

YCQ, R[L, OAY, Burd, efl MYW

?. ]ecet Lbluktgdf

>. Lbtegjs d` dtnbr aefc ekkdufts

7. Gftrdlukbl ay

Aesgk Qbqugsgtbs ̀ dr Dpbfgfo ef Ekkduft ̀ dr gflgvgluejs/sbj` bhpjdybl pbrsdfs erb

es ̀ djjdws KFGK

Kdhpefy jbttbrnbel dr eutndrgzetgdf (es rbqugrbl)



F\F kbrtg`gketb (dptgdfej)

[durkb d` gfkdhb (sejery sjgp btk)

\nb aesgk Qbqugsgtbs td dpbf ef ekkduft `dr e pertfbrsngp= F\F kbrtg`gketb (dptgdfej) Yertfbrsngp Lbbl

Kdhpefy Jbttbrnbel

Yertfbrs KFGK

\nb aesgk Qbqugsgtbs td dpbf ef ekkduft `dr kdhpefgbs= Ertgkjb d` Essdkgetgdf

Lgrbktdrs KFGK

Hbhdrefluh d` Essdkgetgdf

F\F kbrtg`gketb (dptgdfej)

Kdhpefy Jbttbrnbel

Ker @gfefkgfo LbperthbftGf tnb eob d` tdley—s hdlbrf aefcgfo, ker `gfefkgfo gs dfb d` tnb hdst ghpdrteft efl sbjjgfo

prdlukt d` ejj tnb aefcs gfkjulgfo Aefc Ejèjen. Abkeusb gt gs vbry besy `dr tnb pbdpjb td sevbtnbh `rdh peygfo e nuob suh d` hdfby tnet—s wny pbdpjb prb`br td nevb `gfefkb tnbgr vbngkjbs.

@beturbs d` Aefc Ejèjè—s Ker @gfefkgfo= \bfurb pbrgdl refogfo `rdh 5-2 ybers

Hgfghuh ldwf peyhbft stertgfo `rdh 19 %

Fd ngllbf knerobs Gfsurefkb èkgjgty

Yrbheturb tbrhgfetgdf knerobs sndujl ab pegl ay tnb kustdhbr ekkdrlgfo td tnb yber gfwngkn nb/snb tbrhgfetbl tnb kdftrekt d` peyhbfts df tnb rbhegfgfo ehduft.

Yrdkblurb=\nb prdkblurb d` `gfefkgfo ker sterts wnbf e pbrsdf kdhbs efl escs `dr e vbngkjb td ab `gfefkbl.@grst tngfo wngkn tnet pbrsdf nevb td ld gs td `gjj ef eppjgketgdf `drh stetgfo tnb ker wngkn nb

wefts td ab `gfefkbl, gts kdjdr efl twd rb`brbfkbs wgtn ngs kdhpjbtb pbrsdfej gf`drhetgdf

rboerlgfo ngs prd`bssgdf, sdurkb d` gfkdhb, eob btk. \ngs gs ejj wnet gs rbqugrbl `rdh tnb

kustdhbr. E`tbr tngs aefc wdrcgfo sterts. Aefc vbrg`gbs ejj tnb gf`drhetgdf prdvglbl ay tnb

kustdhbr ejdfo wgtn tnb vbrg`gketgdf d` twd rb`brbfkbs prdvglbl. E`tbr kdhpjbtgfo tnbvbrg`gketgdf prdkbss Aefc obfbretbs tnb Krblgt Jgfb Yrdpdsej (KQY).\ngs prdpdsej tnbf sbft td

tnb Erbe D``gkb `dr epprdvej. E`tbr tnb epprdvej `rdh tnb Erbe d``gkb tnb kustdhbr wgjj sgfo ejboej ldkuhbft d` tngs lbej wgtn Aefc ejdfo wgtn tnb ldwf peyhbft. _nbf tngs prdkbss

kdhpjbtbs e qudtetgdf gs sbft td tnb ker lbejbr `dr e stetbl ker. Qbogstretgdf d` ker gs kerrgbl dut

efl Aefc gfsurbl tnb ker wgtn kdjjeadretgdf d` Gfsurefkb Kdhpefy efl ker neflbl dvbr tdkustdhbr. E`tbr tnb kdhpjbtgdf d` `gfefkb tbfurb tnb Aefc gssubs FDK td kustdhbr stetgfo tnet

tnbrb gs fd dajgoetgdf jb`t td ab ùj`gjjbl ay tnb kustdhbr.



Kneptbr # 0 \nb [trbfotn, _becfbss,

Dppdrtufgtgbs efl Knejjbfobs



[_D\ Efejysgs3

\ngs efejysgs wes rbqugrbl gf ardelbr ausgfbss bfvgrdfhbft. [_D\ efejysgs

lbskrgabs tnb pdsgtgdf d` tnb droefgzetgdf wgtn rbspbkt td gts kustdhbrs gf tnb hercbt [trbfotns

erb tnb kdrb kdhpbtbfkgbs d` efy droefgzetgdf & es èr es AEJ gs kdfkbrfbl tnb

Kdrb kdhpbtbfkgbs d` tngs droefgzetgdf erb=

Kdhpbfsetb kustdhbr sbrvgkbs

\nb kjgbfts— pbrkbptgdf gs ngon

Oddl terobt hercbt nevgfo hdstjy arefknbs gf tnb kdhhbrkgej erbes

\erobt Ekngbvbhbft

Ydjgkgbs & Yrdkblurbs

Kdftrdjjgfo [teflerls

Yrgdrgtgbs

Qbwerls & Abfb`gts

Mda [bkurgty `dr tnb Bhpjdybbs èvdreajb, `rgbfljy & Nbejtny _drcgfo Bfvgrdfhbft.

Ldkuhbftetgdf [ystbh gs sd hukn ekkuretb.

Ekkduftgfo & Aefcgfo [ystbh gs Ekkuretb & Qbjgeajb Dfb.

_glb refob d` fbtwdrcs fetgdf wglb wgtn rbspbkt td arefknbs efl E\H hekngfbs

\regfgfo systbh efl eppregsb e`tbr tregfgfo efl ogvgfo kbrtg`gketbs `dr ldgfo tnet tregfgfo.

_becfbssbs erb tnb jekcgfo pdgfts wngkn bvbry droefgzetgdf hust evdgl gf

drlbr td hecb gts dpbretgdfej b``bktgvbfbss.

•Nbktgk _drcgfo Bfvgrdfhbft

•_drc jdel.

•Jekc d` [bj` Hercbtgfo Lbperthbft.•Jdw \regfgfo & Kdekngfo. jdw gfkbftgvbs jgcb adfusbs dvbrtghb pey btk.

•Nuhef Qbsdurkb Lbperthbft gs fdt sd hukn b``bktgvb.

•E ppregsej gs fdt ldfb `rbqubftjy.

•Jdw sejery pekceobs es kdhperbl td dtnbr aefcs.

Dppdrtufgtgbs Gf èkt, wnbf wb stuly ejj dur wbecfbssbs krgtgkejjy & lbbpjytnef wb kdhb td cfdw tnet wb kef kdfvbrt dur wbecfbssbs gftd strbfotns.

[d aesgkejjy tnbsb erb dur dppdrtufgtgbs. \nb dppdrtufgtgbs `dr AEJ erb=

•Df tnb mda tregfgfo & kdekngfo sbssgdfs kef ab kdfluktbl.•Oddl rbjetgdf wgtn `drbgof aefcs

•Ordwgfo gf lbpdsgts

•B-aefcgfo



•_drc snergfo ektgvgtgbs sndujl ab stertbl sd tnet e pbrsdf wnd gs wdrcgfo kdftgfudusjy `dr 7

ndurs kef obt rbjex.

•Hercbtgfo lbperthbft sndujl ab stertbl gf drlbr td prdhdtb tnb fehb d` AEJ.•Ep pregsej sndujl ab kdfluktbl `rbqubftjy sd tnet bhpjdybbs obt hdtgvetbl & ld tnbgr wdrc es e

jdyej bhpjdybb.•Ettrektgvb sejery pekceobs sndujl ab ewerlbl.\nrbets \nduon Aefc Ej`ejen nes e strdfo `ddtgfo efl hegftegf e oddl fuhabr d` jdyej

kustdhbrs3 stgjj aefc nes tnrbets gf vergdus sbktdrs. _nbf wb sbb tnb pdssgajb tnrbets `dr AEJ,

tnb tnrbets erb prbvegjgfo sukn es=•\nb kdfvbftgdfej aefcs tndsb nevgfo ngon ordwtn retb efl ngon hercbt snerb erb ejweys abgfo e

tnrbet.

•\nbrb gs ef evbreob fdt jdw turfdvbr retb, hegfjy abkeusb d` jdw gfkbftgvbs es kdhperbl td tnb

dtnbr aefcs.•Jerob ausgfbss pertgbs nevb `bwbr ettrektgdfs gf abgfo e kjgbft d` AEJ-GAL,hegfjy. Abkeusb d`

bxkbssgvb ehduft d` ldkuhbftetgdf.



Kneptbr # ?

Kdrpdretb, Ausgfbss efl Lbperthbftej jbvbj [tretbogbs=



Kdrpdretb, Ausgfbss efl Lbperthbftej jbvbj [tretbogbs=

Aefc Ejèjen gs sukkbssùjjy kdhpjbtgfo gts mdurfby tdwerls prdorbss wgtn tnb nbjp d` gtsspbkgejgzbl, scgjjbl, ngonjy quejg`gbl efl prd`bssgdfej hefeobhbft et ejj jbvbjs. \dp hefeobhbft

`drhujetbs tnb stretbogbs gf ekkdrlefkb wgtn tnb steflerls `drhujetb td ekngbvb tnb lbsgrbl odejs

efl dambktgvbs. Es wgtn tnb pesseob d` tghb efl gt gs èkt tnet tnb bxtbrfej ausgfbss bfvgrdfhbft

gs vbry lyfehgk gf feturb sd tnbsb stretbogbs cbbp df knefogfo td cbbp tnb Aefc up td letb.

@dr tngs purpdsb tnb hefeobrgej pdjgkgbs wngkn erb eldptbl ay tnb AefcEjèjen erb es uflbr.

Kdrpdretb Jbvbj [tretbogbs=

Et tnb kdrpdretb/tdp jbvbj tnbrb gs aderl d` lgrbktdrs efl bxbkutgvb kdhhgttbb, wnd kdftrdjs sukn

ghpdrteft ùfktgdfs es lbtbrhgfgfo odejs efl dambktgvbs, `drhujetgdfs d` ausgfbss pdjgkgbs eflstretbogk pjeffgfo. Kdrpdretb pngjdsdpny strbssbs tnb ngonbst jbvbj d` sbkurgty, rbjgeagjgty efl

vejub `dr gts kjgbft—s hdfby wngkn gs tnb kdrb strbfotn d` tnb aefc.

Ausgfbss Jbvbj [tretbogbs=

\dp hefeobhbft `drhujetbs tnb ausgfbss jbvbj stretbogbs. Kngb` Hefeobrs erb ejsd tnb pert d`

tngs hefeobhbft jbvbj wnd `drhujetbs tnb stretbogbs efl tbknfgkej pjeffgfo wngkn lbtbrhgfbs

tnb hbtndls d` obttgfo tnb abst efl gf tghb kdhpjbtgdf d` mdas `rdh gts nuhef rbsdurkb. \nby

lb`gfb efl gftbrprbt tnb dambktgvbs efl odejs efl `drhujetb pdjgkgbs td ekngbvb tnbh.

Lbperthbftej Jbvbj [tretbogbs=

Et tngs jbvbj Nbel d` tnb Lbperthbfts `drhujetb tnbsb stretbogbs. Bekn efl bvbry arefkn hefeobr

`drhujetbs tnb pdjgkgbs ekkdrlgfo td tnb arefkn sbtup efl et bekn jbvbj d` aefc bfvgrdfhbft

abkeusb nb gs lgrbktjy rbspdfsgajb `dr tnb hefeobhbft efl kdftrdjjgfo tnb ektgvgtgbs d` tnbbhpjdybbs. @dr ghpjbhbftetgdf d` tnbsb pdjgkgbs hbbtgfo erb kejjbl wgtn tnb prbsbfkb d` Nbel d`

tnb Lbperthbfts td obt tnb abst efl b``gkgbft efl lbsgrbl odejs abngfl tnbsb `drhujetbl pdjgkgbs.



_net G @bbj E`tbr [tulygfo AEJ=

G `bbj tnet AEJ rbejjy `djjdws tnbrb hgssgdf efl vgsgdf. @dr bxehpjb gf tnbrb vgsgdf tnby wefts td ab e hujtgfetgdfej aefc sd AEJ gs tnb hujtgfetgdfej

aefo dpbretgfo gf lg``brbft kduftrgbs jgcb Yecgstef, Aefojelbsn efl sd hdvgfo td dtnbr kduftrgbs

es wbjj. [bkdfljy tnby sey tnet AEJ gs `dr Ejj cgfl d` pbdpjbs jgcb `dr ausgfbss hef wnbtnbr

tnby wdrcs jdkejjy dr gftbrfetgdfejjy, `dr èhgjgbs, `dr tnb kduftry gf wngkn tnby dpbretb, `dr tnb

stulbfts, `dr tnb spdrts, `dr tnb fbbly wnd wefts td nevb tnbrb dwf shejj ausgfbss. Efl AEJ gs

prdd` `dr gt tnet AEJ gs `dr ejj. \net gs tnby nevb e wglb refob d` prdlukt efl sbrvgkbs rbjetbl td

ejj cgfl d` kustdhbrs jgcb Eutd `gfefkb gts `dr tnb èhgjy Ejèjen Cerdaer ekkduft gt gs `dr tnb

jdkej ausgfbss hef Gsjehgk aefcgfo lgvgsgdf gs sbtup td daby Gsjehgk rujbs d` ausgfbss efl

lbvbjdp kdrpdretb `gfefkb lbperthbfts `dr tnb ghpdrtbr efl bxpdrtbr d` tnb kduftry gf Yecgstef.Bkdfdhgkejjy gt gs abst droefgzetgdf ogvgfo wglb refob d` `gfefkgej sbrvgkbs tdt tnbrb kustdhbrs.

\nby nevb e hercbt fgknb gf eutd `gfefkb abkeusb d` jdwbr gftbrbst tnby oegf `rdh tnbrb

kustdhbrs. Efl `dr tngs tnby nevb e oddl `gfefkgej pdsgtgdf gf tnb aefcgfo sbktdr d` Yecgstef.

\nby nevb ef >% hercbt snerb gf tnb aefcgfo sbktdr d` Yecgstef. Nevgfo e prd`gt d`

Qs5205222999 efl ef berfgfo retgd d` 5.10 gf [bptbhabr ;9 1997 `dr AEJ. YEKQE, e prbhgbr

retgfo eobfky d` tnb kduftry, nes retbl tnb Aefc EE, Bftgty Qetgfo `dr Jdfo \brh efl E5+ `drtn

[ndrt \brh. \nbsb retgfos lbfdtb e vbry jdw bxpbktetgdf d` krblgt rgsc, strdfo kepekgty `dr tghbjy

peyhbft d` `gfefkgej kdhhgthbfts gf tnb jdfo tbrh efl ay ngonbst kepekgty `dr tghbjy rbpeyhbft

gf tnb sndrt tbrh, rbspbktgvbjy. @urtnbr, tnb ufsbkurbl suadrlgfetbl lbat (\brh @gfefkb

Kbrtg`gketbs) d` tnb Aefc nes abbf ewerlbl e krblgt retgfo d` EE- (lduajb E hgfus).Es e

hefeobhbft gt gs e hervbjdus droefgzetgdf abkeusb d` ogvgfo lbkbftrejgzb lbkgsgdf hecgfo

pdwbr td tnb jdwbr jbvbj d``gkbrs efl hefeobrs. \ngs gs tnb cby bjbhbfts td ab sukkbss gf tnb

hdlbrf wdrjl. \nbrb gs e sghpjb ngbrerkny systbh wngkn ldbs fdt kjesn tnb eutndrgtgbs td efy

dtnbr lbperthbft d` tnb aefc. [d wgtn tngs tnbrb gs fd knefkb d` dtnbr td gftbr`brb tnb lbperthbfts

dtnbr tnef tnbrb dwf wdrcgfo lbperthbft. Gf tnb hercbtgfo pbrspbktgvb tnby nevb td eldpt oddl

stretbogbs td augjl tnbrb arefl bqugty, arefl fehb gf tnb aefcgfo sbktdr d` Yecgstef. @dr tngs

purpdsb tnby usb lg``brbft prdhdtgdfej hgx td prdhdtb tnbrb arefls gf tnb hercbt. Efl `dr e`tbr

sejbs purknesb tnby nevb augjl ef bxtre KQ lbperthbft wnd rbejjy kerbs tnb kustdhbrs d` AEJ

efl jgstbf tnb kdhpjegfts efl ekt updf tnbh ekkdrlgfo td tnb prdajbhs èkb ay tnbrb kustdhbrs.

\ngs rbejjy addsts tnb kustdhbrs td ab pert d` AEJ. \nby nevb e lrdp adx gf ejj arefknbs d` AEJ

mdgf wngkn kustdhbrs nevb gflbpbflbfky td lrdp e kdhpjgeft jbttbr eoegfst tnb hefeobhbft d`

tnb arefkn. Gf tngs wey gt ekkbjbretb tnb hefeobhbft d` tnb arefkn td jddc e`tbr tnbrb kustdhbrs

wgtn e ago shgjb df tnbrb èkb bvbf tnbrb gs e kjesn abtwbbf tnb hefeobhbft rbkrugt efl tnb

kustdhbrs. Gf tdley—s tnbrb gs e sjdoef tnet ‚Kustdhbrs erb tnb adss‘ d` tnb droefgzetgdf. \nb



rbesdf abngfl gs tnet ausgfbss sndujl ab ldfb wnbf sdhb dfb obt sbrvgkbs `rdh tnb droefgzetgdf,

G` tnby ldf—t obt sbrvgkbs `rdh tnb droefgzetgdf tnef, wnet tnb droefgzetgdf ld.

Kdfkjusgdf[d gf hy kdfkjusgdf G wdujl td sey tnet G rbejjy sbbcs ejjdt d` gf`drhetgdf rboerlgfo

td hy lgskgpjgfb tnet gs hercbtgfo. Bspbkgejjy G sbbc KQ tbknfgqubs efl rbtegj hercbtgfokdfkbpts. G dasbrvb tnb aefc bfvgrdfhbft rboerlgfo tnbrb lgskgpjgfb tnbrb wey d` kdhhufgketgdf

wgtn lg``brbft typbs d` kustdhbr efl tnbrb prdajbhs. Efl sbb wnet tnby rbjey jgcbs efl wnet tnby

ldf—t jgcb. Gt rbejjy e``bkts tnb aefcgfo systbh abkeusb tnby netb dfb rbkrugt d` tnb hefeobhbftefl jdvb efl besgjy spbecs tnb dtnbr dfb. G hbbt tnb quejgty essurefkb hefobrs efl sbb tnbrb

wdrcs efl gf tnbrb wdrcs tnby erb vbry krgtgkej efl dasbrvb tnb aefc bfvgrdfhbft gf e krgtgkej

wey. Gf sndrt AEJ nevb e oddl hefeobhbft tbeh efl abst droefgzb ngbrerkny efl wglb refob d`

tnbrb arefl prdlukts wngkn [yhadjgzb tnet AEJ gs rbejjy tnb Kergfo Aefc.

Qbkdhhbfletgdf

[pbft sgx wbbcs d` hy gftbrf[sngp gf AEJ Arefkn, Nergpur. Lurgfo tnbsb sgx wbbcs,

G `bjt hysbj` td ab e pert d` AEJ. Bvbf, tngs wes hy `grst bxpbrgbfkb d` wdrcgfo gf e aefcgfo

droefgzetgdf, aut G jberfbl e jdt `rdh tngs bxpbrgbfkb. Aesbl df hy bxpbrgbfkb & dasbrvetgdfrboerlgfo tnb dpbretgdfs efl pdjgkgbs d` Aefc Ejèjen,

G nevb trgbl td stgpujetb sdhb rbkdhhbfletgdfs ̀ dr ̀ urtnbr ghprdvbhbft.

5. \bknfdjdogkej elvefkbhbft

Yrdvglb dfjgfb aefcgfo èkgjgtgbs gf ejj aefc arefknbs bspbkgejjy gf tnb kdhhbrkgej erbes efl ejsd

E\H hekngfbs gf ago hercbts gf tnb kgty jgcb Hdkng Aezeer. \nbrb gsf—t E\H hekngfb tnbrb. Gtrbjey nbjps td evdgl rusn gf aefc

1. _drcsndp efl Kdufsbjgfo

\ngs gs ldfb gf ejj hemdr kgtgbs d` tnb kduftry fdt gf CYC `dr tngs purpdsb. _gtn tnet kdufsbjgfo

tnb fbw aefcbrs erb adrf gf dtnbr shejj kgtgbs d` tnb kduftry

;.ogvbs skndjersngp `dr tndsb bhpjdybbs wnd ùrtnbr kdftgfubs tnbrb stulgbs td YNL jbvbj efl

ogvbs gfkbftgvbs td tnbh sd tnet AEJ nevb ngon hefeobhbft rbkrugt gf tbrhs d` cfdwjblob

wngkn rbejjy abfb`gts `dr tnb aefc

<. \nbrb gsf—t efy Yrgdrgty aefcgfo lbperthbft gf tnb AEJ tgjj lurgfo hy gftbrfsngp. [d tnby nevbtd lbvbjdp efl wgtn tngs tnbrb lbpdsgt sndujl ab hexghgzbs.

2. Jeufkn gffdvetgvb prdlukts jgcb B-lbpdsgt agjjs btk. Abkeusb gt—s sevb tnb tghb d` tnb

kustdhbrs wnd weft ab stefl gf jgfbs td suahgt tnbrb lg``brbft cgfl d` agjjs.

0. Ejj arefknbs sndujl nevb rbjexetgdf rddhs efl preybrs rddhs `dr tnb aefc bhpjdybbs. Gtsrbejjy nbjps tnbh efl cbbp tnbh.



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