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94-aM nz> my|naf;
RIjiyN/ shkrN ba!; ( k\ip;tM )
`pEtYk nibn;Xnk?
1. EpruM Em/vilasvuM
qO ba!ien 94 - aM nz> my|naf; RIjiyN/ shkrN ba!;
(k\ip;tM) '}; viLi=e[fuM. 1952-el tiruekac|i shkrN niymM(X) `pkarM rjis;&> ecy;ti+u-taN; .rjis;&> ecy;t vilasvuM
)PIsuM
ekal\M dis;`fik;f; ,ekal\M talU=;, my|naf; viEl\j;,my|naf; p@ay
];, my|naf; Epas;&aPIs; '}ayiri=uM.
2. ni>v|cnM
qO `pEtYk nibn;XnkLi/ viWy]inuM s^>B]inuM "et!iluM
tr]i/ viprItml\a]p(M
1. “ )k;&; ” '}a/ ba!ie* `pv>]n:eL niy`Zi=u}
Atat; kale] shkrN sMGM )k;&; '}aku}u.
2. “ RU?s; ”'}a/ qO shkrN )k;fien tuf>}; Ati
el vYvs;TkLnusric|; s;E&&; gv<em*ina/ QHa=
e[+ c+:? )ku}u.
3. “ eeblas; ” '}a/ rjis;&> ecy;t ba!; nibn;Xn
kLuM pi}If; rjis;&> ecy;ti+u- EBxgtikLuM )ku}u.
4. “ rjis;`fa> ” '}a/ shkrN sMGM rjis;`faERa
shkrN )k;f; Anusric|; rjis;`fa>=u- AXikar
:? viniEyagi=u}tin; s;E&&; gv<em*; muR`pkarM
AXikarepfu]e[+ mE&et!iluM QExYags;TEna )ku
}u.
5. “ ba!; ” '}a/ 94 - aMnz> my|naf; RIjiyN/ shkr
N ba!; (k\ip;tM) ekal\M dis;`fik;f; , ekal\M talU=;, my|naf; viEl\j; ,my|naf; p@ay];, my|naf; Epas;&aPI
s; '}ayiri=uM.
6. “ Ati>]i ” '}a/ eebla 4 / Q?e[fu]iyi+u- ba
!ie* `pv>]npriXiyaku}u.
7. “ dyRk;f> Eba>d; ” '}a/ qO eeblas; `pkarM
sMGfi[i =e[+ dyRk;f> Eba>d; '}aku}u.
8. “ )H; ” '}a/ "`pi/ 1 mut/ tuf:i ma>c|; 31 veryu- shkrN v>WM )ku}u.
3. ba!ie* QE$wY:?
1. AMg:Luefyifyi/ mittVM,sVyM`pap;ttaEbaXM,prs;
pr Esvnbu%i '}I guN:?=; E`pat;sahnM nl;ku
kyuM AtiEl=uEvH p%tikLuHa=i nf[ila=ukyuM
ecy|uk.
2. ba!; AMg:?=; `hsVkal - m%Ykal - xI>Gkal va
y;pk? vitrNM ecy|uk.
3. ka>WikavwY]in; vi];,vLM, QpkrN:? ,kIfnawini
mutlayvyuM ka>Wik g~hvYvsay:?=uM vI+avwY
:?=uM EvH viBv:? sMBri=ukyuM ekafu=ukyuM
ecy|uk.
4. viLkLuM vYavsayiEkal;p}:LuM AMg:?=uEvHi gu
Nkrmay viX]i/ sVZmayi ma>=&iMg; sMGM muEK
nEya mE&avi&Si=uk.
5. ka>WiEkal;paxn p%tik? AMg:?=uEvHi ty|aRa
=i nf[ila=uk.
6. AMg:Luef Ql;p}:? sMBri=u}tinuM sU(i=u}ti
nuM sVZmaEya vafky;E=a guxamuk? (pHkwalk?) szaxi=uk.
7. putiy qnM vi]uk? Ql;paxi[i=u}tin; AMg:?=;
EvH shay shkrNM nl;kuk.
8. vYk;tiprmay nilyiEla sMGfitmaEya ba!ie* `pv
>]n priXiy;=k]; pc|ilvL:LuM kU+uvL:LuM ni>
{i=u}tin; AMg:?=; EvH sOkrY:? ecy;t; eka
fu=uk.
9. AMg:?=; Ejali ekafu=u}tin; priW;k~t ka>Wik
QpkrN:? va:i sU(i=uk.
10. vi]ukaLk? , mu+nafuk? , nl\yinM EkaSik? qv
muEKn g~hjZukLuef v>g;gEm,m vru]uk.
11. ba!; `pv>]n]inavwYmay s;TavrjMgm vs;tu
=? szaxi=uk.
12. `pEtYk prits;TitikLi/ rjis;`faRuef AnuvaxE]a
fukUfi ka>WikaBiv~%i=uEvHi jlEscnvuM BUsMr(
NvuM sMbn;Xic| Ejalik? AMg:?=uEvHi ni>v|hi
=uk.
13. ba!ie* ehDaPIsiEnaf; Ec>}; '.fi.'M kOH>
)rMBi=avu}taN;.'l\a `ba@ukeLyuM kzYU+> w~MK
lyi/ o}ayi `pv>]i[i=uk vSi ba!ie* `ba@ukeL
"Ekapi[ic|uekaH; Eka>ba!iMg; sis;&M )rMBi=a
vu}taN;.
14. ba!ie* eevxYuti QpEBagM sOEra>j;jp\a*uk? s;Ta
pic|; Ati/ ni}uM QpEyagi=uk.
15. ba!iel ni>%nray AMg:?E=a Avruef kufuMbaM
g:?E=a cikit;sa shayM nl;=u}tiEl=; oru jIv
karuNYniXi rUpIkri=u}tin; ba!ie* laB]i/ ni}uM
15 % ]i/ AXikri=a] tuk sVrUpic|; vk ma&u}tinuM
qO PHiEl=; epatujn:Li/ niE}a vYk;tikLi/
niE}a sMBavnk? sVIkric|; mut/ kU+avu}taN;.
16. vilv>%nv; `kmIkri=u}tinuM vipNiyi/ qfepfu}ti
nuM nItis;E&a>, nIti emdi=/ s;E&a> , )Xunik sMvi
Xan]ilu- sU[> ma>=&uk? , eeh[> ma>=&uk?
'}iv ba!ie* `pv>]n priXiyi/ )rMBi=avu}ta
N;.
17. ba!i/ GDCS / MDS '}iv )rMBi=avu}taN;.
18. ba!ie* Qfms;Ttyi/ Q- s;Tl]; )diE&aRiyMk<
ev,W, es*Ruk? '}iv s;Tapi=uk.
19. )Xunik sOkrY:ELafukUfiy laEbaR+Ri , paraemdi
=/ s;Tapn:? '}iv tuf:uk.
20. e`paPWN/ vixYaBYas s;Tapn:? tuf:uk.
21. `pv>]npriXi=u-i/ putiy `ba@uk? s;Tapi=uk.
22. qO QE$wni>v|hN]inavwYmay XnM vYk;tikLiluM
s;Tapn:LiluM ni}; sMBri=uk.
4. `pv>]n priXi
ba!ie* `pv>]nM my|naf; p@ay]uM qE[a? ekal\M Eka>[
ERWe* Bagmay mu, qrvipurMp@ay]uM viEl\jukLuM Q?e[fu}
`pExw:? )yiri=uM
5. AMgtVM
1. ba!ie* `pv>]npriXiyi/ s;Tirtams=aEra s;Tir
mayi etaSi/ ecy|u}vEra sVZmayi BUmi Q-vEra
)y 18 vys;sinu Em/ `paymu-vruM s;Tirbu%iyu-
vrumay )>=uM ba!i/ AMgmakavu}taN;.
2. )vwYem!i/ sMs;Tan/ jil\a shkrN ba!iEna sM
s;Tan s>=a> / A>%s>=a> tE$wsVyM BrN s;Ta
pn:?E=a ba!; `pv>]n priXiy;=k]u- s;`tI
wk;ti sVa`wy sMG]iEna kufuMb`wI yUNi&uk?E=a
shkrNsMGM rjis;`fa> AMgIkric| m&; viX]ilu-
sMG]iEna ba!i/ oahri 'fu=u}tin;
AvkawmuHayiri=u}taN;.
3. ba!ie* cil `pEtYk `pv>]n:Li/ ">e[fa, ma
`tM Avkawmu- “ si ” k\as; emz>maruM ba!i/ QHa
yiri=u}taN;.Av>=; `gU[; edE[asi&; s;kImi/ Ecru
}tinuM Ati/ ni}uM vay;p 'fu=u}tinuM sV>_p
Nyvay;p,niE(p vay;p '}iv 'fu=u}tinuM ba!;
sVIkri=u} jamYkf[`t:LiluM m&; ErKkLiluM k(i
Ecru}tinuM AvkawmuHayiri=u}taN;.'}a/ Av
>=; ba!ie* BrNsmiti etre#fu[; Q?e[efyu-
epatuEyag:Li/ sMbn;Xi=u}tiEna “ ' ” k\as;
AMg:?=u- mE&et!i luM AvkawEma QHayiri=u
}tl\.18 vys; kSi#iri=ukyuM ba!; niw; cyic|i+u-
PaR]i/ AEp(ic|; 50 rUp ofu=ukyuM ekal\M jil\
yi/ s;Tirtamsmu-vrumay "etaraeLyuM “ si ” k\as; AMgmayi Ec>=avu}taN;. qO 50 rUp yaeta
rukarNvwaluM mf=iekafu=u}tl\.
4. ba!; rjis;&> ecy;t; ki+anu- AEp(yi/ o[i+i+u-
verl\aM ba!ie* )xY emzRayiri=uM eebla 5 Anu
sric|; A>htyu-v> AEp(i=u}p(M dyRk;f>
Eba>die* AMgIkarE]afukUfi Aver AMg:LaE=
HtaN;.AMgtV]inu- AEp( nirsi=e[fu}p(M
rjis;`fa>=; A[I/ ekafu=avu}tuM rjis;`faRuef tIru
manM Avsan tIrumanmayiri=u}tumaku}u.
5. oaEra vYk;ti AMgvuM oahri o}in; p]; rUp vItM `p
Evwn PIs; AfE=HtaN;.qO tuk oru karNvwaluM
tiric|; ekafu=u}tl\. 6. ba!iel AMgtV]inu- Avkaw:? viniEyagi=u}
tinumuz; nilvilu- eeblayuM Emla/ EBxgti ecy|u
}Eta kU+i Ec>=u}Eta )y rjis;&> ecy|e[+ eeb
layuM muR`pkarmu- Qpnibn;XnkLuM tni=; baXk
maeN}u- `ptij;Jyi/ oaEra AMgvuM o[uvc|iriE=
Htaku}u. 7. eebla 5 ( 6 ) / )vwYe[+i+u- `pkarM `ptij;Jyi/
o[; vy;=ukyuM eebla 5 (5) Anusric|; `pEvwnPIs;
Afy;=ukyuM ba!i/ 'fu]i+u- oahriyiEla oahri
kLiEla Q- tuk Afy;=ukyuM ecy|u}tuver orMg
]inuM te* AMgtVavkaw:? viniEyagi=uva, pa
fu-tl\. 8. oaEra AMgvuM te* mrNEwWM tni=; ba!ilu-
oahriEya m&vkaw:ELa ba!i/ ni}uM si%iE=H mu
tlukELa va:u}tinuM eekma&M ecy}u}tinuM or
vkawiey ErKamUlM namni>E$wM ecy;tuekaHu-
oru dik\ERW, vy;E=HtaN;. nam ni>E$wM ecy|e[+
)? mric|u Epaku} p(M namni>E$wM ecy;t AMgM
`ps;tut ba!iEl=; RiE[a>+; ecEy|HtuM oru putiy
namni>E$wM ecEy|Htumaku}u.ba!i/ oru putiy dik\
ERW, 'Suti vc|; namni>E$w]i/ EBxgti vru]a
vu}taN;.namni>E$wM ecy;t AMg]ie* mrNEwWM
namni>E$wM ecy|e[+ )? ba!i/ ni}uM kiE+H tuk
va:u}tinumuz; mric|u EpavukyaeN!i/ oahri tuk
Eya ) emz>=; ecl\uvanu- m&; tukkELa mric|uEpa
y AMg]ie* nYayavkawiey}; dyRk;f> Eba>din;
EbaXYe[fu} )LiEna )Luk?E=a ekafuE=Htaku
}u.A`pkarM ekafu=e[EfH Avkawi oru eemnRa
eN!i/ eemnRuef r(k>]av; muEKn ekafuE=Hta
ku}u. 9. "etarMg]inuM Aya? ba!i/ ni}; 'fu]i+u- oah
rik? 3 ekal\E]=; mf=iekafu=u}tl \. qO kalav
Xi=; EwWM oru emz>=; ba!iEl=; vay;pvkyiEla
jamYM ni} qn]iEla mE&et!iluM viX]iEla baXYt
k? ql\atiri=u} p(M AyaLuef oahrituk tiriek
ekafu=u}tinu- AEp( dyRk;f> Eba>di/ lBic|;
6 mas]inkM tiriek ekafuE=Htaku}u . q`pkarM
tiriek ekafu=u} oahri tuk ) shkrN v>WarM
B]i/ ba!ilu- AMg:Luef oahri tukyuef p];
wtman]i/ AXikri[a, pafil\a]taku}u.q`pkarM
nI=e[fu} )Lin; )k;fnusric|; ba!ilu- m&; ba%Y
tk?=; nYUnt sMBvi=, pafil\a]taku}u. 10. qO eebla Anusric|; ba!i/ AMgmayi tufru}tin;
EyagYtyil\a] AMge] dyRk;f> Eba>din; ba
!i/ ni}uM nI=avu}taN;. 11. taeS[Ryu} karN:La/ oru AMge] epatuEya
g]i/ hajru-vruef mu}i/ rHuBagM Eva+uekaH;
AMgtV]i/ ni}uM puRMt-ukEya nI=ukEya ecy|a
vu}taN;. 1. ba!i/ tufer kufiw;wik vru]uk. 2. ba!i/ ni}uM 'fu] vay;p 'ZavwY]in; va:i
Eya ) )vwY]inute} viniEyagi=atiri=uk. 3. et&ay vivr:? nl;kiEya mE&et!iluM viX]iEla
ba!ien cti=uk. 4. ba!ie* QE$wY:?E=a tat;prY:?E=a 'tirayi
`pv>]i=uk. 5. ba!i/ ni}uM va:iy vay;p QpEyagic|; QHa=iy
Ql;p}:eL,AMg:Luef Ql;p}:? vi&uekafu=u}
tin; vYvs;T ecy;ti+u- vipNn shkrN sMGM
muEKn ba!umayi ecy;ti+u- kraRnusric|; vil;pn
nf]atiri=uk. 6. mukLi/ pR#i+u- Qpvku[ukLnusric|; oru AMg
e] nI=M ecy|ukEya puRMt-ukEya ecy|u} tIyti
mut/ rH; mas]inkM rjis;`fa>=; A[I/ ekafu=u
}tin; ) AMg]in; AvkawmuHayiri=uM. A`pkar
mu- A[Ili,Em/ rjis;`fa> 'fu=u} tIrumanM Av
santIrumanmayiri=uM. 7. nI=M ecy|e[+ AMg]i/ ni}uM ba!in; qOfa=a
nu- 'l\a tukkLuM o}ayi ba!; qOfaE=Htaku
}u.
12. ba!i/ niE}a mE&et!iluM shkrN ba!i/ niE}a
puRM t-e[fu} yaetaraeLyuM puRMt-e[+ tIyti
mut/ rH; ekal\]inkM AMgmayi Ec>=uva, pafi
l\.'}a/ `pEtYk pris;TitikLi/ Ejayi*; rjis;`fa>
=; "etaru )eLyuM qO niy`ZN]i/ ni}; oSiva=a
, AXikarmuHayiri=u}taN;. 13. raj ivy;=ukEya nI=M ecy|ukEya puRMt-e[fukEya
mric|u EpavukEya ecy;t oru AMg]ie* oahri tuk
) AMg]in; sVZM nilyiEla jamYM ni} vkyiEla
Q- ba%Yt muSuv, tIru}tuveryuM )>=uM ekafu=a
, pafu-tl\ . '}a/ )k;&nusric|u- ba%YtakalM
tIru}tuveryuM AyaLuef sV]in; Em/ ba!inu- ba
%Yt ni}u Epaku}tl\a]tumaku}u.
6. PHuk?
taeS[Ryu} viX]i/ ba!inuEvH XnM sVrUpi=avu}taN;.
1. oahrik?.
2. vay;pkLuM niE(p:LuM 3. sMBavnk? 4. 5 v>W]inu mukLi/ vitrNM ecy|e[fa] laB
vihitM 5. p]; v>W]i/ kUfut/ qfpafuk? nf=a]
's;.bi.A=OHuk?.
7. oahri
1. sMG]ie* oahri mUlXnM 100 rUp vilyu- 18 l(M
' k\as; oahriyuM 1000 rUp vItM vilyu- 10000 bi k\a
s; oahriyuM 50 rUp vItM vilyu- 200000 si k\as; oah
riyuM Af:iy 200000000 rUp)yiri=uM sMG]ie* `pv>
]n priXiyi/ tamsi=u} shkrN niym]iel 16-aM vku[iluM 16 - aM c+]iluM pR#i+u- EyagYtkLu-
"etaru vYk;tik?=uM ' k\as; AMgtV]in; A>ht
QHayiri=uM.sMs; Tan s>=aruk? sMs;Tan s>=a>
niy`ZN]ilu- shkrN ba!uk?,s;Tapn:?,tE$
w sVyM BrN s;Tapn:? m&; A>% s>=a> s;Tap
n:? s;`tI wk;ti sVa`wy sMG:? kufuMb`wI yUNi&u
k? '}ivey bi k\as; AMg:Layi Ec>=avu}ta
N;. si k\as; oahri Qfmk?=; etre#fu[i/ pe!
fu=u}tiEna mt;sri=u}tiEna vay;p va:u}tiEna
AvkawM QHayiri=u}tl\ . sV>_[Ny vay;p, ji.di.'s; '}ivyi/ Ecru}tinuM jamYM ni/=u}ti
nuM kf[`t:Li/ o[u vy;=u}tinuM AvkawM QHayi
ri=uM
2. oahri 'fu=uEza/ te} oahri vil muSuv, o}ayi
Afy;E=Htaku}u.
3. "etaraLuM ba!i/ AMgmayi]IrNem!i/ oru oah
riey!iluM 'fu]iriE=HtaN;. '}a/ yaetaru AMg
]inuM )k;fi/ vYvs;Te[fu]iyi+u-ti/ kUfut/ tu
ky;=u- oahrik? 'fu=avu}tl\.
4. oahri 'fu]; kuR#t; oru sMvt;srM kSi#EwWEm
oahri eekma&M ecy|a, pafu-U.dyRk;f> Eba>die*
mu,kU+iyu- AnuvaxM kUfaet oahri eekma&M pafu-
tl\.
8. ba%Yt
ba!ie* kf:?=; AMg:?=u- ba%Yt Av> 'fu]i+u- oah
ri vily;=; tulYmayiri=uM. qO ba%Yt ba!ien piric|uvifuEza?
ma`tEm QO>j;jit]i/ vrikyu-U.
9. GfnyuM BrNvuM
1. epatuEyagM
ba!; sMbn;Xmay karY:Luef prmaXikarM ba!; AMg:?
Q?e[+ epatuEyag]i/ ni(ip;tmayiri=uM. '}a/ eeblas;
Anu sric|; nl;ke[+i+u- AXikar:Luef viniEyagM sMbn;Xi
c|; dyRk;f> Eba>die*Eya "et!iluM QExYags; Te*Eya nfp
fikLi/ epatuEyagM qfepfa, pafu-tl\.
2 epatuEyag:? 'E[a? kUfNM
taeS[Ryu} Avsr:Li/ epatuEyag:? kUEfHtaN;.
1. shkrNv>WM Avsanic|u kSi#; )R; mas
]inkM. ( qO epatuEyage] va>Wik epatu
EyagM '}; pRye[fu}u. ) 2. psid*ie*Eya dyRk;f> Eba>diel BUrip(M
AMg:LuefEya AEp(yi,Em/.
3. A@i/ oru BagM AMg:Luef ErKamUlmay AEp
(yi,Em/.
4. rjis;`faERa shkrNvku[iel mE&et!iluM AXi
kare[+ QExYags;TEna bn;Xe[+ shkrN ba
E!a )vwYe[fuEza?.( 2,3.4 Qpvku[uk? `pkarM
kUfu} epatuEyag:? viEwWa/ epatuEyagM
'}; pRye[fu}u.) 5. )xYe] oru v>WM mU}u mas]ielari=/ epa
tuEyagM kUEfHtaN; .
6. saXarNgtiyi/ epatuEyagM kUfu}tin; 15 xiv
se] Ena+Is; nl; kiyiri=NM.
7. rjis;`faERa AE$h]a/ AXikare[fu]iyi+u-
mE&et!iluM QExYags;TEna Ael\!i/ eebla 9 ( 5 ) AnusriEc|a )vwYe[+; kUfu} Eyag:?
A`pkarM )vwYe[+ tIyti mut/ oru mas]in
kM kUEfHtaku}u . ) Eyag]i/ Ena+Isi/ Q?
e[fu]iyi+u- viWyml\aet me&a}uM )Elacn
y;e=fu=a, pafu-tl\.
8. epatuEyag]i/ Eva+; ecy|a, Avkawmu- ba
!; AMg:Luef oru p+ik sU(iE=HtaN;. oaEra
Eyag]inuM "S; xivs]inumuz; qO lis;&; pU>
]iyayiri=NM.)vwYe[fu}v>=; qO lis;&ie*
oru `pti dyRk;f> Eba>d; niw;cyic|i+u- vil
va:iekaH; es`k+Ri ekafuE=Htaku}u. BrN
smitiey etre#fu=anu- EyagmaeN!i/ Eya
gM kUfu}tin; ARupt; xivsM muz; AMgmayv>
=; ma`tEm Eyag]i/ pe!fu=uva, Avkawmu
Hayiri=ukyu-U. 3 epatuEyagM kUfu}tinu- Ena+Is; AMg:?=; taeS
[Ryu} viX]i/ ekafuE=Htaku}u.
1. rH; `pmuK `paExwik xinp`t]i/ epatuEyag
ARiyi[; prsYM ecy|uk.
2. ba!ie* `pv>]npriXiy;=u-ilu- p@ay]a
PIsiluM Eb\a=aPIsiluM ba!; oaPIsiluM Eyag
Ena+Is; ptiy;=uk.
3. Enri+; ekafu]; o[i+u va:uk.
4. oru epatuEyag]inuHayiriE=H EkaRM AMg:Luef mu
}i/ oru BagEma qrup]iyE@a qti/ "taN; kuRv; A
`tyuM '_maku}u. ma&ievy;=e[+ oru epatuEyag]inu
HayiriE=H EkaRM AMg:Luef A@i/ oru BagEma pti
nE@a qti/ "taN; kuRv; A`tyuM '_maku}u.
5. epatuEyag]in; taeS[Ryu} AXikar:? QHayiri=u
}taN;.
1. dyRk;f> Eba>diEl=u- etre#fu[; nf]uk.
2. ba!ie* va>Wik kN=ukLuM mu,ekal\e] ba
=ip`tvuM Ati,Emlu- Eba>die* wupa>wkLuM
prYaElaci=uk.
3. )k;&uM RU?suM qO eeblayuM Anusric|; laBvi
BjnM nf]uk.
4. dyRk;f> Eba>din; QHa=avu} prmavXi ba
%Yt shkr c+:?=; viEXymayi k\ip;te[fu
]uk.
5. rjis;`fa> AtatukalM puRe[fuvi=u} ni>E$w
:LuM dyRk;f> Eba>die* wupa>wyuM Anusri
c|; AMg:?=; ekafu=uvanu- `hsVkal - m%Y
kal vay;pkLuef prmavXi tuk niw;cyi=k.
6. ba!ie* va>Wik bd;j&; pas;sa=uk.
7. va>Wik RiE[a>+; AMgIkri=uk.
8. `psid*ie* AnuvaxE]afukUfi Avtri[i=u}
qtrviWy:eL[&i prYaElaci=uk.
6. epatuEyag]in; taeS[Ryu} cumtlk? QHayiri=u
}taN;.
1. rjis;`faRuefEya AE%h]ie* kISuExYags;T,
maruefEya q,s;epk;W, Ena+; , )di&; Ena+;, dis;`fik; shkrN ba!ie* q,s;epk;W,
Ena+; '}iveyyuM Avyi,Emlu- dyRk;f>
Eba>die* wupaweyyuM prigNi=uk.
2. dyRk;f> Eba>di/ Avicaritmayi sMBvi=u}
qf=al oSivukLi/ dyRk;f> Eba>d; nf]iyi
+u- Eka - oap;W, AMgIkri=uk.
3. dyRk;f> Eba>diel "et!iluM AMg]ie*
Epri/ ekaHu vru} pratikeL=uRic|; prYaEla
ci=uk.
4. AMgtV]i/ ni}uM nI=e[EfHtaEya puRMt-
e[EfHtaEya )y ni>E$w:eL=uRic|; prYaEla
ci=uk.
5. mu,EyagM mut/ naLituveryu- ba!ie* E`pa
`gs;s; RiE[a>+ien=uRic|; c>c| ecy|uk.
6. )k;&uM,RU?suM Anusric|; eeblasi/ EBxgti
k? ecy|uk.
7. qO eebla Anusric|u- 'l\a k~tY:LuM ni>
v|hi=uk.
8. Eyag]i/ Avtri[i=u} m&; `pXanviWy:Li/
Em/ tIruman:eLfu=uk.
9. 'l\a epatuEyag:LiluM `psid*; A%Y(t vhi
E=Htaku}u.`psid*; hajril\a]E[a? epatu
Eyag]i/ hajru- AMg:Li/ ni}; oru A%Y(
en etre#fuE=Htaku}u.
10. ba!i/ '`t oahrik? 'fu]iru}aluM oru AMg
g]in; oru Eva+uma`tEm QHayiri=ukyu-U. E`pa
k;si Eva+; s`zxayM QHayiri=u}tl\.
7. epatuEyag]iEla viEwWa/ epatuEyag]iEla prYa
Elacny;=; vru} 'l\a `pEmy:LuM )k;&iluM RU?si
luM qO eeblasilu- ni>E$w:Lnusric|; BUrip(M
Eva+nusric|; tIrumaniE=Htaku}u.Eva+uk? tulYmayi
vruEza? ` psid*in; rHamt; oru EvaE+a kas;&iMg;
EvaE+a viniEyagi=avu}taN;.etre#fu[; sMbn;X
maytaeN!i/ `psid*in; kas;&iMg; Eva+; viniEyagi
=avu}tl\. At; nRue=fu]; tIrumaniE=Htaku}u.
8. epatuEyag]i/ c>c| ecy|e[fukEya tIrumani=e[
fukEya ecy|u} 'l\a karY:LuM mini+; bu=i/ ErKe[
fu]iyiriE=HtuM Ati/ A%Y(nuM es`k+RiyuM o[i+i
riE=Htumaku}u.
10. dyRk;f> Eba>d;
1. ba!; wriyayi `pv>]i=u} karY]ilu- Q]rvaxitV
vuM ba!ie* EmlEnVWNvuM niy`ZNvuM vhi=u} smi
ti dyRk;f> Eba>daku}u.
2. dyRk;f> Eba>di/ 13 AMg:? QHayiri=uM.Avri/
mU}; vnita AMgvuM orMgM p+ikjati / p+ikv>g;g
]i/e[+ )LuM orMgM ba!i/ 10,000 /- rUpEya Ati/
kUfutEla niE(pmu- )LuM )yiri=uM qvruef etr
e#fu[; epatuvayi nf]u}tayiri=uM.
3. eebl Anusric|; etre#fu=e[fu} AMg:? Q?e[
+taN; dyRk;f> Eba>d;.
4. '}a/ )xYv>WM rUpIkri=u} dyRk;f> Eba>di/
ema]M dyRk;EfS;sie* mU}i/ oru BagM AMg:? gv
<emE*a rjis;`faERa EnamiEn&; ecy|e[fu}v> )yiri
=uM.
5. dyRk;f> Eba>diel etre#fu=e[+ AMg:? tuf
er 5 ekal\M ver AXikar]i/ qri=u}taku}u . oru
epatuEyag]i/ hajru-vruef mu}i/ rHuBagM Eva+;
ekaH; oru etre#fu=e[fu} dyRk;feR t/s;Tan
]; ni}uM ma&avu}taN;.
6. dyRk;f> Eba>di/ ni}uM vi+uEpaku} AMg:?=;
vIHuM etre#fu=epfa, A>htyuHayri=uM . oru
AMg]in; '`tkalM EvNem!iluM dyRk;f> Eba>d;
AMgmayi tufravu}taN;.
7. dyRk;f> Eba>die* kalavXi etre#fu[; tIyti
mut/ 5 v>WEma shkrN niym`pkarmu- kalavXi
Eya )yiri=uM. fi kalavXi Avsani=u} muRy;=;
putiy dyRk;f> Eba>d; BrNM "l;=]=v_M dyR
k;f> AMg:eL mu,kU+i etre#fuE=Htaku}u.
8. etre#fu=e[+ dyRk;f>maruef qfyi/ yax~w;cik
mayi vl\ oSivuM QHaku}p(M c+`pkarM ) oSiv; ni
kE]HtaN;
9. taeS[Ryu} karN:? ekaH; oru AMg]in; dyRk;
f> )yi etre#fu=e[fa, A>htyuHayiri=uk
yil\.
1. vys;s; 18 / kuRvayiri=uk.
2. pa[rayi `pKYapi=e[+iri=uk.
3. s;Tirbu%iyil\atiri=uk.
4. etre#fu[; xivs]inu eta+; muz; 5 v>W]in
kM Asan;ma>g;giktVM Q?eka-u} `kimin/ ku
&]in; tfvuwi( AnuBvic|iri=uk.
5. AyaELa AyaLuef Afu] bn;Xu=ELa ba!i/
wzLM p&u} "et!iluM QExYagM vhi=ukEya
ba!i/ ni}uM laBM QHaku} `pv>]n:Li/
">e[fukEya ecy|uk.
6. ba!i/ kufiw;wik vru]uk.
10. oru dyRk;fRuef s;TanM taeSEc>=u} karN:?
ekaH; nW;fe[favu}taN;.
1. ba!iel AMgtVM nW;fe[fuk.Ael\!i/ ba!i/
kufiw;wik=arnavuk
2. AyaELa AyaLuef Afu] bn;Xu=ELa ba!i/
QExYagM sVIkri=ukEya ba!i/ ni}uM )xayM
p&ukEya ecy|uk
3. Asan;ma>g;gikt Q?eka-u} "et!iluM ku&
]in; tfv; wi( AnuBvi=uk.
4. pa[rayi `pKYapi=uk.
5. s;Tirbu%iyil\a]vnayi tIruk.
6. ba!ie* `pXan tat;prY]in; 'tirayi `pv>]i
c|uev}; etLiyuk.
7. mtiyay karNM kUfaet tufer nal; Eba>d;
Eyag:Li/ hajrakatiri=uk.
11. ba!ie* `pv>]n]in; )vwYmaeN}u Eta}uEza
eSae= Eba>d; EyagM viLic|u kUE+HtaN;. '}a/
Eba>d; Eyag:?=ify;=u- kalM oru mas]i/ kvi
ya, pafu-tl\.`psidE*a mU}ielaruBagM dyRk;f>
maEra AXikare[fu]e[+ shkrNvku[; QExYag
s;TEna )vwYe[fu} p(M "etarvsr]iluM Eba>
die* AfiyZir Eyag:? kUEfHtaku}u. AfiyZir
Eyag]in; saXarNyayi oaEra AMg]inuM mU}; xiv
se] Ena+Is; ekafu]iriE=HtaN;.`pEtYk prits;
Titiyi/ curu:iy kale] Ena+Isi,Em/ EpaluM Eya
gM viLic|ukU+avu}taN;.
12. dyRk;f>maruef oru Eyag]i/ kuR#p(M pkuti
yi/ kUfut/ AMg:? hajru-p(M ) Eyag]i/
"tu viWyvuM tIrumani=e[favu}taN;.
13. oaEra AMg]inuM oru Eva+; ma`tEm QHayiri=ukyu
-U.Eva+uk? tulYmayi vruEza? `psid*in; kas;&iMg;
Eva+; viniEyagi=avu}taN;.
14. yaetaru AMgvuM tni=; vYk;tiprmayi tat;prYmu-
viWyM prigNny;=; 'fu=uEza? Ati/ pe!fu=u
kEya Eva+; ecy|ukEya pafil\a]taN;.
15. Eba>d; Eyag]i/ c>c|ecy|e[fukEya tIrumani=
e[fukEya ecy|u} 'l\a karY:LuM Eyagnfpfi bu=i
/ ErKe[fuE]HtuM Ati/ `psid*uM es`k+RiyuM
hajru- dyRk;f>maruM o[; vc|iriE=Htumaku}u.
16. dyRk;f> Eba>din; taeS[Ryu} AXikar:LuM cum
tlkLuM QHayiri=u}taN;.
1. AMg:eL Ec>=ukyuM Av>=; oahrik? nI=ivy;=u
kyuM ecy|uk. 2. AMg:Luef raji sVIkri=uk. 3. oru AMge] nI=ukEya Ael\!i/ eebla 5 ( 12) Anu
sric|; "et!iluM AMg]ie* AMgtVM 'fu]; kLyu}
tin; epatuEyag]i/ ni>E$w:? sm>[i=ukEya ec
y|uk. 4. RU?s;suM eeblasuM Anusric|; oahri eekma&vuM
oahri pi,vli=luM Anuvxi=uk. 5. eebla 9 ( 2 ) Anusric|; )vwYe[fu} Eyag:? viLi
c|ukU+a, ">[afuecy|ukyuM,va>Wik epatuEyag]i/
va>Wik RiE[a>+; Avtri[i=ukyuM piri#; ki+a]
tuM sMwyas;px:Laay kf:?=uEvHiyu- vkk?
eka-i=ukyuM, laB viBjn ni>E$w:Lu?e[fu]iyu-
wupa>wkELafukUfi )di&; ecy|e[+ ba=ip`tM Avt
ri[i=ukyuM,rjis;`fa> )vwYe[favu} m&; s;E&&;em*u
k? Avtri[i=ukyuM ecy|uk. 6. nI=iyiri[; tukyuM vilpifi[u- jamYvs;tu=LuM pri
EwaXi c|; Eba%Ye[fu]uk.
7. epatuEyag]i/ AMgIkri=e[+ va>Wik bd;j&inu
?e[+; ba!ie* wriyay `pv>]n]in; )vwYmay
eclvuk? ecy|uk. 8. `psid&inuM es`k+Riy;=uM viniEyagi=avu} kHij,
si eclvuk? '`tyaeN}; niw;cyi=uk. 9. va>WikepatuEyag]i/ niw;cyic|i+u-tuM rjis;`fa>
AMgIkric|i+u-tumay t}aHi/ ema]M ba%Yte[
favu} tukyi/ kviyaet ba!inu EvHi vay;p 'fu
=u}tinuM m&; viX]i/ mUlXnM rUpIkri=u}tinuM
">[afuk? ecy|uk. 10. vay;p, niE(p:? ,m&; viX]i/ kfM va:avu} tuk
k? qvy;=u- pliwnir=; niw;cyi=ukyuM vay;p
kNiwmayi Afy;=u}v>=; ekafuE=H RiEb&; nir=;
niw;cyi=ukyuM ecy|uk. 11. oaEra AMg]inuM EvHi va>WiEkal;paxnp%ti
( Annual Production Plan ) ty|aRa=ukyuM At; nf[ila=u
}tinavwY may nfpfikeLfu=ukyuM ecy|uk. 12. Ql;paxn]ie* Afis;Tan]i/ vay;p ekafu=u}ti
n; EvHi viviXtrM viLvuk?=; oEr=Rin; EvH wra
wri eclv; niw;cyi=uk. 13. AMg:?=; nl;E=H saXarNvay;pyuef priXiyuM
ka>WikavwY:?=; ekafuE=H `hsVkal - m%Y
kal vay;pkLuef priXiyuM niw;cyi=ukyuM ecy|uk. 14. AtatukalM niw;cyi=u} nibn;XnkLnusric|; AMg
:?=; vay;p Anuvxi=ukyuM ekafu=ukyuM ecy|uk. 15. AMg:? 'fu] vay;p 'ZavwY]in; 'fu]uEva )
AvwY]inute} viniEyagic|i+uEHa '}; AEnVWi=u
k. 16. ba!iel wzLM p&u} QExYags;T,maeryuM si/b
n;XikeLyuM rjis;`fa> AtatukalM puRe[fuvi=u}
ni>E$w:?=; viEXymayi niymi=ukyuM nI=M ecy|uk
yuM ss;p*; ecy|ukEya m&; viX]i/ wi(i=ukEya
ecy|ukyuM Avri/ )Eraef!iluEma 'l\aEpErafuEma
EdmNi vy;=a, )vwYe[fukyuM ecy|uk. 17. ba!; karY:?=ayi ba!iEna , Atiel dyRk;f>
Eba>diEna QExYags;T,ma>E=a EvHiEya 'l\av
rumay; ba!iel "et!iluM AMg:ELa QExYags;T,
maEra jIvn=aEra `pEtYkM cumtle[+ mE&et!iluM
vYk;tikELa muEKn Eks; ekafu=u}tinuM t>=i=u
}tinuM m%Ys;TtIruman]inyy;=u}tinuM niymanus
rNmu- nfpfik? ni>]ievy;=u}tinuM EvHtu ec
y|uk. 18. ba!; BrNM qO eeblayuM shkrN ttV:LuM Anu
sric|aENa ni>v|hi=e[fu}et}; QR[; vru]uk.
19. ba!i/ pNvuM m&uM sVIkri=u}tinuM eclvuk? ec
y|u}tinuM EvH ">[afuk? ecy|ukyuM pNvuM ba!i
e* m&; )s;tikLuM sur(itmayiri=a, EvH vYvs;
Tk? ecy|ukyuM ecy|uk. 20. ba!ie* kN=uk? o]uEna=ukuM priEwaXi=ukyuM
ecy|uk. 21. ba!in; vErH 'l\a pNvuM qOfa=ukyuM ba!in; Ev
Hi ba!in; 'tirayu- qfpafuk? sMbn;Xic| karY
:? AEnVWi=ukyuM 'l\a Avkaw:LuM niw;cyi
=ukyuM ecy|uk. 22. wriyay ba!; priEwaXny;=uM qE*N/ )di&inuMEv
H ">[afuk? ecy|uk. 23. priEwaXnyuM )di&uM muEKn evLie[fu} nYUntkeL
=uRic|; priciZi=ukyuM Av prihri=]=v_M oru
RiE[a>+; Afu] epatuEyag]i/ sm>[iy;=ukyuM
ecy|uk. 24. ba!ie* karY(mmay `pv>]n]in; )vwYmu-
bisins;s; RU?suM qlk;W, RU?suM ( `pv>]n pr
may vYvs;Tk? ) QHa=i rjis;`faRuef AnuvaxM
va:uk. 25. shkrN ba!iEla mE&et!iluM shkrN s;Tapn
:LiEla ba!inuEvHi oahrik? va:ukyuM AtiEl
=; `ptiniXikeL Ayy;=ukyuM ecy|uk. 26. )vwYanusrNM k~Wi=uEvH QpkrN:LuM ga>hi
kavwY saXn:LuM sMBri=uk. 27. AMg:Luef ka>WiEkal;p}M,vi];,vLM, QpkrN:?
vi+avwY]inu- saXn:? '}iv sMBric|; vy;=u}
tin; guxamuk? vily;E=a vafky;E=a va:ukEya
ni>{i=ukEya ecy|uk. 28. AMg:Luef ka>WiEkal;p}:? EwKri=ukyuM sMB
ri=ukyuM trM tiri=ukyuM ecy|u}tinuEvH ">[afu
k? ecy|ukyuM vi/[ny;=ayi ma>=&iMg; ba!ukLi
El=; viBv:? ekaHuEpaka, EvH vahnsOkrY
:? QHa=ukyuM ecy|uk. 29. ba!; vk XnM niE(pi=uk. 30. eekvwM vy;=avu} prmavXi tuk niw;cyi=uk. 31. AMg:Luef Ql;p}:Luef trM n}a=u}tin; )vwY
may nfpfik? 'fu=uk. 32. ba!ie* viviX waKkLiel `pv>]n:Luef cumtl
vhi=u}tin; sb; k{i&ik? ">e[fu]ukyuM ) k{i
&ik?=uM `psid*inuM es`k+Riy;=uM )vwYem}u Eta
}u}vruef AXikar:? vi+uekafu=ukyuM ecy|uk. 33. va>Wik epatuEyag]i/ AMgIkar]inayi bd;j&uM
va>Wik RiE[a>+uM ty|aRa=ukyuM sm>[iy;=ukyuM
ecy|uk.
34. Ejayi*; rjis;`fa> AMgIkri=u} "et!iluM ba!i/
A=OH; tuf:uk. 35. pc|ilvL:LuM kU+uvL:LuM ni>{iy;=u}tin; "et!i
luM ba!i/ A=OH; tuf:uk. 36. nl\yinM vi]ukLuef s;E&a=; v>%i[i=u}tiEly;=;
AMg:Luef qfyi/ ni}uM vixg;x,maray k>Wker
tire#fu=uk. 37. gv<em*i/ ni}uM va:u} t=avi Epalu- Xnsha
y:? AtiEl=uEvHi ty|aRa=e[+i+u- c+:Lnus
ric|; vitrNM ecy|ukyuM At; tiric|; qOfa=u}tinav
wYmay nfpfikeLfu=ukyuM ecy|uk. 38. ba!ie* QE$w:? ni>vhi=u}tinuM ba!; BrNM nf
]u}tinuM )vwYmaEy=avu} m&; karY:LuM ecy|uk. 39. dyRk;f> Eba>d; Avruef qfyi/ ni}uM Pu? eefM
epyid; es`k+Riyuef niymnM QHaku}tuver oru `p
sid*iEnyuM es`k+RiEyyuM etre#fuE=Htaku}u. 40. ba!; karY:Luef ni>v|hN]in; niw;cit EyagYt
yu- wzLM p&u} Pu?eefM es`k+Ri QHayiriE=H
taN;.di[a>+;em*; ni>E$wM Anusric|; epyid; es`k
+Riey niymiE=HtaN;.AEtafukUfi etre#fu=e[
fu} es`k+Riyuef s;TanM sVyM ni}uEpaku}taN;.
epyid; es`k+Riy;=; dyRk;f> Eba>d; Eyag]i/
Eva+vkawM QHayiri=u}tl\.
11. `psid*;
1. `psid*; Em/vicarvuM niy`ZNvuM nf]u} oOExYa
gik Barvahiyayiri=uM . 100 rUpy;=; Emlu- `pmaN
:Li/ `psid*; es`k+Riyuema}ic|; o[iEfHtaku}u.
2. ba!; vk ba!; A=OHuk? `psid*uM es`k+RiyuM
kU+ayi eekkarYM ecEy|HtaN;.na?vSi `pkarmu-
kN=uM nI=iyiri[uM wriyaeN}; Eba%Ye[+; `psid
*; na?vSiyi/ o[iEfHtaN;.dyRk;f> Eba>diel
orMgEma rjis;`faERa qtiEly;=; epatuvaEya `pEtY
kmaEya AXikare[fu]e[+ m&; "et!iluM QExYag
s;TEna )vwYe[fuEza? nI=iyiri[; tuk hajra
E=HtaN;.
12. es`k+Ri
es`k+Riyuef cumtlk?
1. ba!ie* epatuEyagvuM dyRk;f> Eba>d; EyagvuM
viLic|ukU+ukyuM Avyi/ hajravukyuM ecy|uk.
2. mini&;s; bu=i/ A`pkarmu- Eyag:Luef nfpfik?
'Sutuk. 3. dyRk;f> Eba>die* tIrumanmnusric|; ba!; vk ec
lvuk? ecy|ukyuM pNM sVIkri=ukyuM ecy|uk. 4. c+:Lnusric|; )vwYmu- 'l\a kN=ukLuM rjis;&Ru
kLuM 'Suti sU(i=uk. 5. oaEra sMvt;srvuM "`pi/ o}uM ok;Efab> o}uM tIy
tikLi/ AMg:Li/ ni}uM piri#; kiE+Htay vay;p
mut/ pliw oahri m&; tukk? qv Af:iy oru dima
*; lis;&; ty|aRa=uk. 6. ba!ie* qfpafuk? nf=u}tinavwYmu- rsItuk?
vOc|Ruk? ba=ip`tM m&u `pmaN:? mutlayv ty|a
Ra=uk. 7. ba!in; EvHi k]ifpafuk? nf]ukyuM AMg:?=;
)vwYmu- vivr:? nl;kukyuM ecy|uk. 8. kaltamsmuHakaet )di&; RiE[a>+; dyRk;f> Eba
>d; Eyag]i/ sm>[i=u}tinuM )E(p:? prih
ri=a, EvH nfpfik? 'fu=u}tinuM smaXanM Q?
e=a-u} RiE[a>+; Ayy;=u}tinuM `pEtYkM `w% pti
[iy;=uk. 9. ba!i/ ni}uM wzLM p&u} jIvn=aer nyi=ukyuM
Avruef Em/Ena+M vhi=ukyuM Aver niy`Zi=uk
yuM ecy|uk. 10. ba!inuEvHi eebla 11 Anusric|; ec=ukLuM `pma
N:LuM `psid*umayi o[ifuk. 11. ba!inuEvHi rsItukLi/ o[ifuk. 12. Eba>d; k\ip;te[fu]iyi+u- tukk? Eba>die* A
numti=; viEXymayi eclv; ecy|uk. 13. Eba>di/ ni}uM cumtle[fu} m&; 'l\a EjalikLuM
ecy|uk. 14. na?vSi Anusric|u- nI=iyiri[; ehDaPIsi/ es`k
+RiyuEfyM kaWYRuEfyuM `ba@ukLi/ maEnjruEfyuM
kaWYRuEfyuM kU+ay Q]rvaxitV]i/ Avruef eekv
wM )yiri=uM.saXarNgtiyi/ sU(i=avu} nI=iyi
ri[; ehDaPIsi/ rH; Ekafi rUpyuM `ba@ukLi/ oru
Ekafi rUpyuM )yiri=uM. mtiyay karNM kUfaet
kUfut/ tuk eekvwM vc|uekaHiri=u} p(M cumt
l=ari/ ni}uM 18 % pliw qOfa=avu}taN;. 15. ba!; vk eR=a>duk? , jMgmsaXn:? , vi];, vLM
Ql;p}:? mutlay 'l\a s;E&a=ukLuefyuM eekvw
=ar, es`k+Ri )yiri=u}tuM Avey sMbn;Xic|u-
pU>_ Q]rvaxitVM es`k+Ri=; )yiri=u}taN;.
13. vay;pk?
1. AMg:?=; ma`tEm vay;p n/ka, pafu-U.'l\a va
y;p AEp(kLuM rH; BrNsmiti AMg]ie* AEnV
WN RiE[a>+ie* Afis;Tan]i/ Anuvax]inayi
dyRk;f> Eba>d; Eyag]i/ sm>[iE=HtaN;.
Eba>die* AMgIkar]in; EwWEm AMg:?=; vay;
p lBi=u}tin; Avkawmu-U.qO vay;pk?=; Afu]
Eba>d;Eyag]i/ AMgIkarM vaE:HtaN;. 2. rjis;`fa> niw;cyic|i+u- c+:Lnusric|; )HarMB]i
/ oaEra AMg]inuM )vwYmu- prmavXi tuk niw;c
yiE=Htaku}u .oaEra AMg]inuM ekafu=u} vay;p
yuef )ek]uk ( qO eebl Anusric|; ekafu=e[+
QR[uecy|e[+ vay;p oSiek) ori=luM prmavXi tuk
ey ( Maximum Credit Limit ) AXikri=a, pafu-tl\.
3. taeS[Ryu} vay;pk? AMg:?=; ekafu=avu}ta N;.
1. `hsVkal ka>Wik vay;p :-
(' ) qO vay;p k>Wkray AMg:?=uma`tEm ekafu=uva
, pafu-U .vay;pyuef kalavXi oru v>Wmayiri=uM.
oaEra shkrN v>W]ie*yuM )rMB]i/ dyRk;f>
Eba>d; oaEra AMg]inuM EvHi e`pad( , p\a,
ty|aRa=ukyuM oaEratrM viLvinuM "=eRa }in;
EvHivru} wrari k~Wi eclv; niw;cyi=ukyuM
ecEy|Htaku}u.oaEra k~Wiy;=uM EvHivru} wrawri
eclviE*yuM eekvwmu- vs;tu=LuefyuM `ptI(i=
e[fu} Ql;p}]ie*yuM tiric|fy;=anu- kSivie*
yuM Afis;Tan]i/ oaEra ekal\vuM oaEra AMg]i
nuM AnuvxiE=H `kdi&; limi&; (prmavXi vay;p]uk) niw;cyiE=Htaku}u . qO priXi niw;cyi=u} viWy
]i/ shkrN jil\a ba!i/ ni}uM ty|aRa=e[+i+u
- c+:? pU>_mayi pali=e[+iriE=Htaku}u. oa
Era AMgvuM rH; jamY=aErafukUfi kYaW;`kdi&; Qfzfi
pU>]iyaE=HtaN;. Anuvxi=e[+i+u- kYaW`kdi&;
limi&inuEvHi oru E`pamisRi Ena+uM ekafuE=HtaN;.
te* vk ka>Wik Ql;p}:Li/ ni}; ba!i/ Afy;
E=H vay;p]ukyuM m&u viX]i/ ba!in; ecl\anu-
tukyuM Afy;=a, prYap;tmay ALviel!iluM viBv
:?, ba!; Atiel AMg:Luef viBv:? vi/=u}ti
n; kraRu ecy;ti+u- "et!iluM ma>=&iMg; sMGM mu
EKn vil;pn nf]ie=a-aeme}aru vku[; kUfi kra
Rup`t]i/ Q?e[fu]iyiriE=HtaN;. q`pkarM k\ip;
te[fu]ukyuM Anuvxi=ukyuM ecy|u} e`kdi&; limi&;
AMg]ie* t}aHe] k~Wieclvuk? niREv&u}tin;
prYap;tmayiri=NM.qO priXi=uM dyRk;f> Eba>d;
niw;cyi=u} tvNk?=uM viEXymayi '`t`pavwYM
EvNem!iluM AMg]in; vay;p=Ep(i=avu}taN;.
(bi ) bn;Xe[+ ma>=&iMg; esaees&i ql\a]tunimi]Ema
`pEtYk prits;TitikLiEla dyRk;f>Eba>die*
niw;cyanusrNM AMg:Li/ ni}uM qOfaE=H viLv;
vay;p]uk muSuvnaEya BagikmaEya pNmayi]e}
qOfa=avu}taN;.
(si ) ka>WikavwY]inuEvHi viLvuvay;pk? kSiyu}if
E]aLM saXn:Layi]e} vitrNM ecy|e[EfHyuM
'}a/ q`pkarM ekafu=u}t; eebla Anusric|;
k\i[;te[fu ]iyi+u- e`kdi&; limi&inu-i/ ni/EkH
tumaku}u.
(di ) viLvuvay;pk? oru v>W]inkM tiric|fE=HtaN;.
viLevfu[; Atinumuzakuem!i/ vay;pyuM Atnusri
c|; kaEl kU+i tiric|fy;E=Htaku}u.
2. m%Ykal vay;pk? :-
QSvumafuk?,kRvmafuk? s;Tirmayi vs;tu n}a=u}
tinavwYmay QpkrN:? qv va:u}tin; m%Ykal
vay;pk? ekafu=u}taN;.kUfaet m%Ykal vay;pk
? ekafu=u}t; sMbn;Xic| rjis;`faERa jil\a baE!a
AtatukalM nl;ku} ni>E$w:Lnusric|; m&; )vwY
:?=uM ba!i/ ni}; m%Ykal vay;pk? ekafu=avu
}taN;.A`pkarmu- vay;pk? tiric|fy;=anu- kUfi
y kalavXi 10v>Wmayiri=uM dyRk;f> Eba>d; niw;
cyic|i=u}tuM jil\a ba!; AMgIkri=u}tumay vYvs;
TkLnusric|aN; m%Ykal ka>Wik vay;pk? ekafu
E=Ht;.
3. AMg:Luef ka>WiEktr )vwY:?=; prmavXi
120 mase] kalavXi=; saXarN vay;pk? nl;
ka vu}taN;.
4. sV>_aBrN:? sV>_=+ik? '}ivyuef QR[i,
Em/ AMg:?=; vay;p ekafu=avu}taN;. )yti
n; EvHi Qpnibn;Xnk? QHa=i Ejayi*; rjis;`fa
Ruef mu,kU+iyu- AnuvaxM vaE:HtaN;. q`pka
rM vay;pk?=; pNyM vy;=u} sV>_aBrN:?
sV>_=+ik? '}ivyuef ma>=&; vilyiel 80 ('
<pt; ) wtman]i/ AXikrikri=a, pafu-
tl\.orMg]in; mak;simM 50 l(M rUp ver ekafu
=avu}taN;. 5. AMg:?=; Bvnni>{aN]in; EvHi p\anuM 's;&i
Em&uM priEwaXic|; )ek ni>{aNec|lvie* 75% Ema
75 l(M rUpEya "taN; kuRv; A`tyuM tuk 15 v>
W kalavXi=; AnuvaxM va:iyEwWM vay;p nl;
kavu}taN;.oahri AnupatM1 wtmanM )yiri=uM
Bvnni>{aN]ie* nal; G+:? kN=a=i nalu
gdu=Layi bn;Xe[+ ErKk? hajra=u} muRy;
=; vay;p Anuvxi=avu}taN;. 6. ba!; nf]u} `gU[; edE[asi&; s;kImi/ Ec>};
A@; tvN Afc|; kSi#a/ )ek slyuef 75% AXikri=a] tuk AMg:Luef AEp(yi/ mti
yay jamYM sVIkric|; vay;pyayi nl;kavu}taN;.
7. ba!ie* `pv>]npriXiyi/ `pv>]i=u} ba!i/
niE(pmu- kufuMb`wI yUNi&uk? s;`tI wk;ti yUNi
&uk? s;`tI puruW sVyM shay sMG:? '}iv
>=; E`pajk;fie* Afis;Tan]i/ 1:100 oahri
Anupat]i/ vay;pk? kYaW;`kdi&; '}iv n/
kavu}taN;.
8. AMg:?=; Qpnibn;Xnk?=; viEXymayi Ema
E+a> vahn:? va:u}tin; vahn]ie* vil
yuef 90% ver vay;p Anuvxi=avu}taN;.20,00,000 /- rUpy;=; mukLilu- vay;pk?=; vahnjamY]in;
puREm vs;tu jamYM kUfi n/EkHtaN;.
9. AMg:?=; p]; l(M rUp ver mtiyay qOfi,
Em/ kYaW;`kdi&; Anuvxi=avu}taN;.
10. AMg:Lay ecRukif kc|vf=a> vYvsayik?
'}iv>=; xivEsn tiric|fy;=u} vYvs;Tyi/ ka
>WiEktr vay;p vYapari vYvsayi sMGfnkLu
ef shkrNE]aef mtiyay jamY]i/ A@; l(M
rUp ver Anivxi=avu}taN;.
11. AMg:?=; Qpnibn;Xnk?=; viEXymayi 200000/- rUp ver vYk;tigt vay;p Anuvxi=avu}taN;. 50000/- rUp veryu- vay;pk?=; oru QExYags;T
jamYvuM 100000/-rUp veryu- vay;pk?=; 10000/- rUp
y;=; mukLi/ en&; salRiyu- oru QExYags;T jamY
]iE*yuM oru ' k\as; AMg]ie* jamY]i,EmluM
100000/- rUpy;=; mukLilu- vay;pk?=; 10000/- rUp
y;=; mukLi/ en&; salRiyu- rH; QExYags;T jamY
vuM oru ' k\as; AMg]ie* jamYM Q?e[ef mU};
jamY]i,EmluM vay;p Anuvxi=avu}taN;.
12. kfM va:u} )Lie* s;TirniE(p]ie* QR[i,Em
/ s;TirniE(p]ie* 90 % AXikri=a] tuk vay;
pyayi n/kavu}taN;.
13. ba!iel s;TirM jIvn=a>=; shkrN sMGM
Ejayi*; rjis`fa> AMgIkri=u} nibn;Xnk?=uM
kalakal:Liel s>=a> Q]rvuk?=uM viEXy
mayi kYaW; `kdi&; ( oav> `daP;&; ) , vahn vay;p, Bvnni>{aN vay;p , vI+upkrN vay;p '}iv
Anuvxi=avu}taN;.
4. orMg]in; kalakal:Li/ k{i&i niw;cyi=u} tukyi/
AXikric| vay;p ekafu=a, pafu-tl\.orMg]in; prma
vXi 75 l(M rUp ma`tEm Anuvxi=a, pafu-U.viviX qnM
vay;pkLuef priXi taeSpRyuM `pkarmaN;.
`hsVkal m%Ykal kisa, `kdi&; ka>d; s;kIM
Q?e[efyu- ka>Wik vay;pk? 2,00,000
sVyM etaSi/ vay;pk? 2,00,000
vYvsay vay;pk? 25,00,000
BUsV]; va:u}tinu- vay;pk? 50,00,000
ku+ikLuef vixYaBYas]in; 5,00,000
ku+ikLuef e`paPWN/
vixYaBYas]in; 20,00,000
kufuMbaMg:Luef
vivah]in; 10,00,000
kufuMbaMg:Luef cikit;sa - mrNanZr eclvuk? 1,50,000
tamsi=u} vIf; n}a=u}tin; 10,00,000
vI+upkrN:? va:u}tin; 5,00,000
viviX )vwY:?=u- kYaW; `kdi&; 5,00,000
Bvnni>{aN vay;p 75,00,000
vahn vay;p 20,00,000
ecRukif kc|vf=a> vYvsayik? '}iv>=; xivEsn tiric|fy;=u}
vYvs;Tyi/ ka>WiEktr vay;p 3,00,000
Em/[R# qnM vay;pk?=; shkrNsMGM rjis;`fa Ruef Q]rvuk?=; viEXymayi qtinavwYmay Qpnib
n;Xnk? ba!; dyRk;f> Eba>d; ty|aRa=i Ejayi*;
rjis;`fa> Av>kLuef Anumti va:i nf[ila=Hta
ku}u.
5. jamYM ni} ora? mric|u EpavukEya Eba>die* ABi
`pay]i/ jamY=arnayi tufra, AEyagYnaeN}u
kaNe[fukEya ecy;ta/ 15 xivs]inkM EveR jamY
=aren ">e[fu]uva, Eba>din; vay;p=arenafa
vwYe[favu}taN;. Atnusric|; vay;p=arn; me&aru
jamY=aren ekaHuvra, kSiya]p(M vay;p]uk
muSuv, pliwshitM ( tiric|fy;=u} tIyti veryu- ) Qf,te} o}ayi Afy;E=HtuM A`pkarM qOfa=u }
tin; ba!in; AXikarmuHayiri=u}tumaN;.
6. vay;pyuef )vwYMpriciZic|u ekaH; dyRk;f> Eba> d; vay;p tiric|fy;=u}tinu- tvNk? niw;cyiE=
HtaN;. `pEtYk cu&upafukLi/ dyRk;f> Eba>din;
vay;p tiric|f=anu- tvNkLuef '_M v>%i[i=a
vu}taN;.'}a/ q`pkarM nI+ie=afu=u} kalM mU};
mas]i/ AXikri=a, pafil\.
7. vay;p 'ZavwY]inaENa nl;ke[+t; ) )vwY]i n; viniEyagic|i+il\aey}; dyRk;f> Eba>din; Eba%Y
maku} p(M muSuv, vay;p]ukyuM o&]vNyayi
tiric|; qOfa=u}tin; dyRk;f> Eba>din; AXikar
muHayiri=u}taN;.
a. ba!; ekafu] vay;pk?=; shkrN sMGM rjis;
`fa> kalakal:Li/ niw;cyi=u} nir=i/ pliw niw;
cyiE=HtaN;.tvN AfE=H niw;cit tIyti=u-i/
vay;p tvN Afy;=atiri=ukEya eebla 13 (3) (') Anusric|; ma>=&iMg; sMGM muEKn vil;=e[+ Ql;p
}:Luef vilyi/ ni}; vay;p tiric|fy;=atiri=ukEya
vay;p xurupEyage[fu]ukEya ecy|u}p(M Afu]
oru ekal\=alM ba!i/ ni}; vay;pEya m&; )nukU
lY:ELa vay;p=arn; lBi=u}tl\.
8. orMg]in; ka>WikavwY:?=u- `hsVkal m%Ykal ka>Wik vay;pkLuM `hsVkal m%Ykal ka>WiEktr
vay;pkLuM kYaW; `kdi&uM hOsiMg; Ela< '}ivyuM
oErsmyM Anuvxi=avu}taN;. ba=inil;p; tuk 75 l(M rUpyi/ AXikri=a, pafil\.'}a/ p%ti vay;
pk?=; qO priXi baXkml\.
14. AMg:Luef Ql;p}:? vi/=uk
ba!ie* k~WiprvuM m&uviX]ilumu- Ql;p}:? sM
Bri=u}tinuM Avey "et!iluM vipNn sMGM muEK
n vi/=u}tinuM dyRk;f> Eba>d; EvH ">[afu
k? ecEy|Htaku}u AMg:?=; Avruef Ql;p}:?
vipNnsMG]i/ ekaHu Epaku}tunuEvH vahn
sOkrY:LuM QHa=iekafuE=HtaN;. )vwYem}uk
Ha/ AMg:?=; Avruef Ql;p}:? Av>te} vi
l;=]=v_M dyRk;f> Eba>d; ">[afuk? ecy|a
vu}taku}u.A`pkarM vYvs;T ecy|uEza? QHaku}
"et!iluM nW;f:?=; dyRk;f> Eba>din; Q]rva
xitVM QHayiri=u}tl\.AMg:Luef oru "j*; '} ni
lyi/ `pv>]i=uk ma`tEm ecy|u}u-U.
15. guxamuk?
AnukUlmay vil lBi=uEza? vil;=u}tinuEvHi AM
g:Luef Ql;p}:? ba!; vk guxamukLi/ sur(it
mayi vy;=u}tiEna Ael\!i/ prYap;tmay s;Tl:
Li/ s;E&a=; ecy|u}tiEna t=v_M dyRk;f> Eba>
din; EvH ">[afuk? ecy|avu}taku}u.qO )vwY
]iEl=; Ejayi*; rjis;`faRuef AnuvaxE]afukUfi
ba!in; guxamuk? ek+i=ukEya va:ukEya vafky;
=; 'fu=ukEya ecy|avu}taN;.oru AMgM q`pkarM
guxamukLi/ AyaLuef cr=uk? s;E&a=; ecy|u}ti
El=; AtatukalM niw;cyi=u} vafk ekafuE=H
taku}u.
16. niE(p:?
AMg:Li/ ni}uM AMg:? Al\a]vri/ ni}uM dyR
k;f> Eba>din; 'E[a? EvNem!iluM niE(p:?
sVIkri=avu}taN;.niE(p:? sVIkri=u}tin; AMg
:LuEftin; mu,gNn n/EkHtaN;.
ba!i/ `pXanmayuM 9 trM niE(p:? sVIkri=avu
}taN; Av :-
1. s;Tir niE(pM
2. EsviMg;s; niE(pM
3. eR=RiMg; niE(pM
4. kYaW; s>+iPi=&;
5. kR*; niE(pM
6. BN;dar niE(pM
8. ku+ikLuef niE(pM
9. `gU[; edE[asi&; `kdi&; s;kIM
qtinavwYmay Qpnibn;Xnk? dyRk;f> Eba>d;
ty|aRa=i Ejayi*; rjis;`fa> Av>kLuef Anumti va
:i nf[ilaE=Htaku}u
17. laBviBjnM
1. ba!ie* ema]laB]i/ ni}uM taeS[Ryu}yin:?
kuRc|aN; )Hiel A&axayM kN=aE=Ht;.
1. Anuvxi=e[+ pliw
2. BrNec|lv;
3. nW;fpriharPHiEl=; nI=ievc|i+u- tuk
4. s;E&a=iluM ek+if:Lilumu- Ety;manM
5. m&; viX]i/ nW;fM v}i+u- qn:?
2. oaEra ekal\vuM )di&; s>+iPi=&innusric|u A&axa
y]ie* 15 % / kuRya] tuk ba!ie* krut/ Xn
]i El=uM 5 % / kuRya] tuk shkrN vixYaBYas
PHiEl=uM 10 % tuk shkrN AMgsmawVas PHi
El=uM 5% saE!tik vixYaBYas PHiEl=uM 7% ka>Wi
k vay;pa x~DIkrN PHiEl=uM Afy;E=HtuM
ba=i taeSEc|>=uM `pkarM nI=ievE=Htumaku}u.
1. shkrN sMGM rjis;`faRuef s>=ul> ni>E$w
`pkarmu- laBvihitM AMg:?=; Afc|i+u-
oahri mUlXn]in; 25 % / kviyaetyu- tuk.
2. 10 % / kviyaet epatunn;m PHiEl=;.
3. ba!umayi nf]iyi+u- XEntr `pv>]:?=;
AM:?=; EbaNEsa laBvItEma ekafu=u}
tin;.
4. nW;fnivarNPH;, m^irPH; , viksnPH; laB
vIt smIkrN PH;, k~Wi[iS nivarN PH; mut
lay ba!; sVrUpic|i+u- PHukLiEl=; epatu
Eyag niw;cymnusric|; sMBavn ecy|u}tin;.
3. "tu tIytiyiel Eyag]ilaENa prsYe[fu]u}t;
fi tIyti mut/ A@u v>W]inkM laBvihitEma
EbaNEsa AEp(ic|; va:a]p(M qO tukk? AM
g:?=; nW;fe[fu}tuM tuk epatun,ma PHiEl=;
mut/ kUE+Htumaku}u.
4. ba!; vk "et!iluM tuk EmaWNM EpavukEya m&u
viX]i/ nW;fe[fukEya tiric|Ifa=a, p&u}tel\};
kaNukEya ba!in; piri#uki+anu- vay;p muSuv
naEya Ati/ "tanuM BagEma m&u`pkarM piri#uki
+]=tel\}; kaNukEya ecy;ta/ Ejayi*; rjis;
`faRuefyuM bn;Xe[+ jil\a ba!ie*yuM AnuvaxE]a
fukUfi ba!; qO tukk? kuRv; 'SuEtHtaku}u.
18.krut/ XnM
1. krut/ XnM rjis;`faRuef AMgIkarE]afukUfi shk
rN )k;&i/ ni>E$wic|i+u- `pkarM niE(piE=Hta
ku}u.
2. krut/ XnM AviBajYvuM, yaetarMg]inuM Atie*
`pEtYkemarMg]in; Avkawmil\a]tumaku}u.
3. ba!; piric|uvifuEza? krut/ XnvuM ba!; vk m&;
PHukLuM ba!ie* ba%Ytk? tI>=u}tin; )xYmayi
viniEyagiE=HtaN;.pi}If; Afc|i+u- oahri mutluM
"et!iluM kalG+]iEly;=u- laBvItM ekafu=a
nueH!i/ oaEra kalG+]iEly;=uM "Sr wtman
]i/ kviyaet kHu- tukyuM ekafuE=Htaku}u..
4. eebla 18 (3) / `ps;tavic|i+u- `pkarM Q- tukk?
ekafu]ukSi#a/ PHi/ mic|M vru} tukey Xa>{i
k karY:?E=a Eba>d; niw;cyi=u} s;Tle] epa
tu E(mkr:Lay QE$wY:? niREv&u}tiEna rjis;
`faRuef AMgIkarE]afukUfi viniEyagiE=HtaN;.
ba!ie* piric|u vif/ nfpfik? Avsanic|; mU};
mas]inkM rjis;`faRuef AMgIkarmu- "et!iluM
karYM niw;cyi=a]p(M rjis;`fa>=; mu,`ps;tavi
c| mic|PH; smIp]u- shkrN ba!ukeL shayi
=u}tiEna shkrN `ps;Tan]ie* viks]inu
EvHiEya viniEyagi=avu}taN;.
19. Rjis;&RukLuM kN=ukLuM Ri=a>dukLuM
1. ba!; taeS[Ryu} rjis;&Ruk? A}}; 'Suti sU(i
E=H taku}u
1. epatuviluM viEwWaluM Q- Eyag:LuEfyuM dy
Rk;f> Eba>d; Eyag:LuEfyM 'l\a nfpfikLuM
`pEmy:LuM ErKe[fu]u} oru mini&;s; bu=;.
2. AMg:Luef oru rjis;&>.
3. kfM va:u} oaEra AMg]iE*yuM ld;j>.
4. c+:? Anusric|; ba!ie* ErKk? kN=uk?
Afis;Tan Ri=a>duk? eexnMxin qfpafuk?
'}iv kzYU+Ri/ ErKe[fu]i sidiyayuM `pi*a
yuM sU(iE=HtaN;.
2. oaEra shkrN v>W]ie*yuM AvsanxivsM ba!;
'l\a AMg:LuefyuM oru lis;&; Em/vilasE]afukUfi
ty|aRaE=Htaku}u.qO lis;&; ba!; oaPIsi/ prsY
mayi vc|iriE=Htaku}u.qO lis;&ie* pk>[; )vwY
e[fu} AMg:?=; dyRk;f> Eba>d; AtiEly;=;
`pEtYkM niw;cyic|i+u- vil qOfa=ie=aH; ekafu=u
va, es`k+Ri ba%Ys;Tnaku}u. 3. EkrLa s;E&&iel )di&; dyRk;f> muR`pkarM
AXikare[fu]iyi+u- )eryuM ba!ie* kN=uk?
)di&; ecy|u}tin; niEyagi=avu}taN;.
20. vYvhar:?
. ba!; `pv>]nM sMbn;Xic|u- 'l\a vYvhar:LuM
shkrN ba!; )k;&uM RU?suM Anusric|; m%Ys;Tt
muEKn tIrumanmuHaE=Htaku}u.
21. eebla EBxgti
shkrN sMGM)k;fi/ ni>E$wic|i+u- `pkarM eeb
la EBxgti=uEvHi muR`pkarM viLic|; kUfu} oru viEw
Wa/ epatuEyag]i/ hajru- AMg:Li/ mU}i/
rHuBagM AnukUlic|; AMgIkric|l\aet qO eeblayi
/ EBxgtik? QHa=ukEya "et!iluM BagM kU+iEc>
=ukEya pafil\a] taku}u.Ejayi*; rjis;`fa> EBxg
tik? rjis;&> ecy|uEza? ma`tEm EBxgtik? Anus
ruc|u- eebla `pEyag]i/ vrikyu-U.
22. eeblayuef vYaKYanM
1. . qti/ "et!iluM eeblayuef vYaKYan]i/ vl\ sM
wyvuM QHaku} p(M dyRk;f> Eba>d; At; rjis;
`faRuef QpExw]in; 'Suti ARiyiE=HtuM At; sMb
n;Xic|u- rjis;`faRuef tIrumanM AvsanE]tayiri
=u}tuM )N;. AtatukalM nilvilu- shkrN ni
ymM vku[uk?=uM c+:?=uM viru%mayi eeblayi/
QHaku} vku[uk?=; `psk;ti ql\ataku}taN;.
23. plvk
2. ba!in; oraPIsuM oru epatumu`xyuM enyiM Eba>duM
QHayi riE=HtaN;.
3. na?vSi Anusric|u- nI=iyiri[; tuk ehDaPisi/ 2 Ekafi rUpyi/ kUfutluM `ba@ukLi / 1 Ekafi rUpyi/
kUfutluM eekvwM vc|uekaHiri=a, pafil\.AXikric|;
vru} nI=iyiri[; tuk Ejayi*; rjis;`fa> AMgIkri=u
} ba!i/ niE(piE=HtaN;.
4. shkrN rjis;`fa> Anuwasi=u} s>v|Is; vYvs;Tk
? ba!; si/bn;Xik?=; baXkmayiri=u}taN;.
