lGU Aqy Coty audXogW pRqI bYNk dI

inSTw dw kof

Agsq, 2012

bYNikMg kofz AYNf stYfrfz

borf Aw/ ieMfIAw www.bcsbi.org.in

ieh iek svY-ieiCq kof hY jo ik bYNk dI

Awpxy lGU Aqy Coty audXog vwly gwhkW nMU in`q

dy bYikMg syvw ivhwr nMU srlqw, qyzI Aqy

pwrdrSqw nwl Aqy iv`qI kiTnwieAW dy smyN ivc

syvw aupl`bD krvwaux dI swkwrwqmk vcnb`Dqw

hY[ ieh kof lGU Aqy Coty audXogW dy AiDkwrW dw

cwrtr hI nhIN sgoN Awpxy bYNk dy pRqI aus dI

izMmyvwrI vI drswauNdw hY[

1

ivSw vsqU dI swrxI

1. jwx-pCwx 5

1.1 kof dy audyS 5

1.2 kof dI vrqoN 6

2. Aihm vcnb`DqwvW 8

2.1 quhwfy pRqI swfIAW Aihm vcnb`DqwvW 8

3. sUcnw 12

3.1 jnrl 12

3.2 ivAwj drW 13

3.3 mihSUl dI AnusUcI 13

3.4 SrqW Aqy pqIbMD 15 4. gupqqw Aqy Brosw 16

4.1 krzw sucnw kMpnIAW 17

5. krzw dyxw 18

5.1 ibnY p`qr 19

5.2 krzw m`ulWkx 21

5.3 mnzUrI/r`d krnw 24

5.4 kyNdrI rijstrI 25

5.5 Bugqwn auprMq 25

5.6 nwn PMf AwDwirq shUlqW 28

5.7 bImw 28

5.8 mwlI kiTnweIAW 28

5.9 bImwr AYm AYs eIz dI sWB sMBwl qy krzw punr-gTn 31

2

6. bkwieAw dI vsUlI Aqy sikaurtI punr pRwpqI nIqI 32

6.1 bkwieAw dI augrwhI 32

6.2 bkwieAw dI augrwhI Aqy sikaurtI vwpsI sbMDI nIqI 33

7. jmWH &wqy 36

7.1 Kwqw KolHxw qy jmWH KwiqAW dI kwrzsIlqw 36

7.2 quhwfy Kwqy nMU bdlxw 37

7.3 jdoN qusIN koeI jmWH Kwqw KolHdy ho qW 38

7.4 G`to G`t bkwieAw 38

7.5 Krcy 39

7.6 imAwdI jmWH 39

7.7 stytmYNt 40

7.8 kwrjhIx/gYr kwrjSIl Kwqy 41

7.9 quhwfw Kwqw bMd krnw 41

7.10 pws krn dw k@m/augrwhI syvwvW 42

7.11 ngdI lYx-dyx 43

7.12 is`Dy fYibts Aqy sQweI hdwieqW 43

7.13 AdwiegI rokx dI shUlq 44

7.14 quhwfy v`loN jwrI cY~k/fYibt hdwieqW 44

7.15 SwKw bMd/bdlI krnw 45

7.16 imRqk Kwqw DwrkW dy dwAivAW dw inptwrw 46

8. quhwfy KwiqAW dI sur`iKAw 46

8.1 sur`iKAq Aqy Brosy Xog bYNikMg qy AdwiegI 46

pRxwlIAW

3

8.2 swnMU hwlIAw jwxkwrI dyxw 46

8.3 Awpxy Kwqy dw inrIKx krnw 47

8.4 iDAwn r`Kxw 47

8.5 ieMtrnY`t bYikMg 49

8.6 AdwiegIAW r`d krnw 51

8.7 nukswnW leI dyxdwrI 51

9. syvwvW 52

9.1 ivdySI mu`drw syvwvW 52

9.2 Bwrq AMdr rkm iBjvwauxw 53

10. iSkwieqW, ros qy /IfbYk 54

10.1 AMdrUnI ivDIAW 54

10.2 bYikMg lokpwl skIm 55

11. ieSiqhwrbwjI, mwrkIitNg Aqy ivkrIAW 56

12. inrIKx 57

13. shwieqw pRwpq krnw 58

14. kof dI muV smIiKAw 59

Anul`g-glwsrI 59

4

jwx-pCwx

ieh Aijhw kof hY jo ik bYNkW dy Anusrx leI bYikMg vrqwirAW dy

G`to G`t imAwr inrDwrq krdw hY jdoN auh lGU Aqy Coty audmW (AYm AYs

eIz) nwl inptwrw kr rhy huMdy hn ijvyN ik lGU, Coty Aqy drimAwny

audmW dy ivkws (AYm AYs AYm eI fI) AYkt, 2006 iv`c pirBwSq kIqw

igAw hY ieh quhwnMU sur`iKAw idMdw hY Aqy d`sdw hY ik bYNkW qoN ikvy aumId

kIqI jWdI hY ik mwlI kiTnweI smyN quhwfy idn pRqI idn kwrjW iv`c

quhwfy nwl ikvyN ivauhwr krnw hY[

kof irzrv bYNk AwP ieMfIAw (Awr bI AweI) v`loN jwrI ivinXmk

jW ingrwnI hdwieqW dI bdlI jW aulMGxw nhIN krdw hY Aqy AsIN

AijhIAW hdwieqW/syDW dI pwlxw krWgy jo ik Awr bI AweI duAwrw smyN-

smyN ‟qy jwrI kIqIAW jWdIAW hn[ kof dy aupbMD aunHW nwloN au`cy imAwr

inrDwrq kr skdy hn ijnHW bwry ivinXmk jW ingrwnI hdwieqW iv`c

sMkyq id`qw igAw hY Aqy Aijhy aucy imAwr kwiem rihxgy ikauNik kof

aunHW sRySt vrqwirAw dI pRqIin`Dqw krdw hY ijnHW bwry swfy v`loN quhwfy

nwl vcn b`Dqw kIqI geI hY[

kof iv`c “qusIN” dw Bwv Bwrq iv`c AYm.AYs.eI. qoN hY Aqy “AsIN”

auh bYNk hW jo ik quhwfy nwl lYx dyx krdw hY[

1.1 kof dy audyS

kof nMU ies leI ivkisq kIqw igAw hY ik -

a) kuSl bYikMg syvwvW q`k AwswnI nwl phuMc p@Dwn krky AYm.AYs eI

sYktr nMU swkwrwqmk huMgwrw id`qw jwvy[

5

A) quhwfy nwl ivauhwr krdy smyN G`to G`t imAwrW nMU inrDwrq krky

cMgy qy auic`q bYikMg vrqwirAw nMU vDwieAw jwvy[

e) pwrdrSqw nMU vDwieAw jwvy qW ik quhwnMU ies g`l dI ibhqr smJ

hovy ik qusIN syvwvW qoN vwijb qOr ‟qy kI aumId kr skdy ho[

s) pRBwvkwrI g`lbwq rwhIN quhwfy kwrobwr bwry swfI smJ iv`c vwDw

kIqw jw sky[

h) mukwbly rwhIN mwrikt qwkqW nMU auqswihq kIqw jwvy qW ik auc

kwrjSIl imAwr hwisl kIqy jw skx[

k) quhwfy Aqy swfy ivckwr auic`q qy krIbI sbMD vDwieAw jwvy Aqy

quhwfIAW bYNikMg loVW pRqI CyqI ‟qy smyN isr huMgwry nMU vI XkInI

bxwieAw jw sky[

K) bYNikMg pRxwlI iv`c Brosw kwiem krnw[

kof dy imAwrW nMU Bwg 2 iv`c Aihm vcnb`DqwvW AMdr Swml kIqw

igAw hY[

1.2 kof dI vrqoN

ijvyN ik AYm AYs.AYm.eI.fI, AYkt 2006 iv`c pirBwSq kIqw igAw

hY AYm. AYs eIj iv`c auh lGU qy Coty audm Swml hn jo ik vsqUAW dy

inrmwx jW auqpwdn jW aunHW dI iqAwrI jW sMBwl iv`c Aqy auh vI jo

ik syvwvW aupl`bD krvwaux jW dyx iv`c l`gy hoey hn[

ies qoN ielwvw ies kof dy sB Bwg hyTW vrixq sB auqpwdW qy

cwlU ivinXmk hdwieqW ADIn lwgU hoxgy jo ik SwKwvW; shwiek

SwKwvW, eyjMtW dy sWJy audmW jW eyjMtW duAwrw kwauNtrW ‟qy, Pon jW fwk

6

rWhIN, AMqr ikRAwSIl ielYktroink ivDIAW rwhI; ieMtrnY`t ‟qy jW iksy hor

qrIky nwl id`qIAW jWdIAW hn[ pr auh sB auqpwd ijnHW dI ie`Qy crcw

kIqI geI hY swfy v`loN pyS kIqy jw skdy jW pyS nhIN kIqy jw skdy hn[

a) cwlU Kwqy, imAwdI ifpwijt, AwvrqI ifpwizt, qy hor swry jmWH

Kwqy

A) Bugqwn syvwvW ijvyN ik Bugqwn AwdyS, ifmWf frwPt rwhIN

Bugqwn Aqy qwr dy mwiDAm nwl trWsPr, swrIAW ielYkt@wink

trWzYkSnW ijvyNik rIAl tweIm grOs sYtlmYNt (Awr tI jI AYs),

ielYkt@wink PMfz trWsPr (eI AYP tI), nYSnl ielYkt@wink PMfz trWsPr

(AYn eI AYP tI) jW koeI hor ivDI[

e) srkwrI lYx-dyx dy sMbMD iv`c bYNikMg syvwvW

s) fImYt Kwqy, iekUietI Aqy srkwrI bWf

h) BwrqI krMsI not vtWdrw shUlq

k) cY~kW/ieMstrUmYNts dI augrwhI, sur`iKAq sMBwl syvwvW

K) krzy Aqy hor krYift suivDwvW ijnWH ivc PMf AwDwrq ijvyN ik kYS

krYift, Euvr frwPt, cY~k Aqy ib`l/KrId[ Cot (svdysI Aqy ivdySI dovyN),

lYtr AwP k@Yift ADIn sMBwly dsqwvyzW dy irzrv dy qihq g`lbwq Aqy

nwn PMf AwDwrq ijvyN ik svdysI Aqy/jW ivdySI lYtr AwP krYift

(fI/pI jW fI/ ey) dI sQwpnw, gwrMtI jwrI krnw (svdysI jW ivdySI dovyN)

augrwhI leI svdysI jW ivdySI ib`l jW cY~k, ib`lW dI AwpsI svIik@qI

Aqy Bugqwn, KrIddwrW leI k@Yift Awid[

g) mudrw dy vtWdry sihq BwrqI irzrv bYNk dy idSw inrdySW/ivdySI

mudrw p@bMDn AYkt (AYP eI AYm ey) dy qihq puStIik@q ivdySI mudrw

syvwvW[

7

G) swfIAW SwKwvW Aqy/jW swfy AiDkwrq p@qIinDIAW jW eyjMtW rwhIN

invyS auqpwd Aqy Qrf pwrtI bImw[

|) kwrf auqpwd ijvyN ik ey tI AYm/fYibt/krYift kwrf, smwrt kwrf

Aqy

syvwvW

c) PYktirMg syvwvW

C) mrcYNt syvwvW

moty kwly A`KrW iv`c id`qy gey SbdW dy ArQ glwsrI iv`c id`qy gey

hn[

2. Aihm vcnb`DqwvW

2.1 quhwfy nwl swfIAW Aihm vcnb`DqwvW

2.1.1 quhwfy nwl swfy swry lYx dyxW iv`c auic`q qy qwrikk qrIky nwl

kwrvweI krnw[

a) bYNk dy kwaUNtr ‟qy ngdI cY~kW dI pRwpqI qy AdwiegI dIAW

G`to-G`t bYNikMg shUlqW auplb`D krnw[

A) PurqI Aqy kuSlqw nwl krzw Aqy syvwvW auplb`D krnw[

e) ijhVy auqpwd Aqy syvwvW AsIN pyS krdy hW Aqy swfw stwP jo

ivDIAW qy vrqwry Aml iv`c ilAwauNdw hY, bwry ies kof iv`c

vcnb`DqwvW qy imAwrW nMU pUrw krnw[

s) ieh XkInI bxwauxw ik swfy auqpwd qy syvwvW sMbMDq kwnMUnW qy

ivinXmW nMU shI ArQW iv`c pUrw krdy hn[

h) ieh XkInI bxwauxw ik swfy quhwfy nwl lYx-dyx iemwndwrI qy

pwrdrSqw dy sdwcwrk isDWqW ‟qy inrBr krdy hn[

8

k) sur`iKAq qy Brosw krnXog bYNikMg qy AdwiegI Aqy inptwry dIAW

pRxwlIAW nMU clwauxw

K) mwlI kiTnweI dy kysW ‟qy hmdrdI nwl ivcwr krnw (dyKo hyTW pYrw

5.8)

2.1.2 ieh smJwaux iv`c quhwfI shwieqw krnI ik swfy

mwlI

auqpwd qy syvwvW ikvyN kwrj krdIAW hn [

a) quhwnMU aunHW bwry inmn BwSwvW ivcoN iek jW iek nwloN v`D BwSwvW

iv`c jwxkwrI dyxI: ihMdI, AMgryzI jW auic`q sQwnk BwSw iv`c[

A) ieh XkInI bxwauxw ik swfy ieSiqhwr Aqy pRymoSnl swihq spSt

Aqy guMmrwh krn vwlw nw hovy[

e) ieh XkInI bxwauxw ik quhwnMU swfy auqpwdW qy syvwvW, SrqW Aqy

pRqIbMDW ivAwj drW/syvw KricAW, jo ik aunHW qy lwgU huMdy hn, bwry

spSt jwxkwrI dyxw[

s) ieh XkInI bxwauxw ik swfy auqpwdW dI glq-ivkrI nw hovy[

h) quhwnMU ieh sUicq krnw ik quhwnMU sul`B kIqIAW jwx vwlIAW

ikhVIAW shUlqW hn Aqy qusI aunHW nMU ikvyN pRwpq kr skdy ho,

Aqy Awpxy pRSnW dw au~qr lYx leI qusIN iks nwl Aqy iks qrWH

sMprk kr skdy ho[

2.1.3 quhwfy Kwqy jW syvw dI vrqoN iv`c quhwfI shwieqw krnI[

a) quhwnMU inXimq rUp ivc hwnIAw jwxkwrI auplb~D krnw[

9

A) ivAwj dIAW drW, KricAW jW SrqW Aqy pRqIbMDW iv`c qbdIlI

bwry quhwnMU jwxkwrI dyxw[

e) quhwfI suivDw leI swKwvW iv`c jwxkwrI dw pRdSn [

1) pRdwn kIqIAW syvwvW

2) cwlU Kwqy iv`c G`t qoN G`t rwSI Aqy aus nUM kwiem nw r`Kx ‟qy

Krc

3) AOkV Awaux‟qy SwKw dPqr iv`c sMprk krn leI sMbMDq

AiDkwrI dw nW

4) jykr SwKw iv`c quhwfI iSkwieq dw inptwrw nhIN huMdw hY qW

zonl/KyqrI mYnyjr dw nW Aqy pqw ijnHW nwl qusIN sMprk kr skdy

ho[

5) bYNikMg lokpwl dy nW Aqy sMprk dw vyrvw ijnWH dy AiDkwr Kyqr

AMdr SwKw AwauNdI hY[

6) ikqwbI rUp iv`c swrI jwxkwrI sul`B hY[

s) AsIN vYbsweIt ‟qy AwpxI nIqI auypl`bD krvweI hY[

1) cY~k dI augrwhI

2) iSkwieq dw invwrx

3) muAwvzw

4) dyxdwrI dI augrwhI Aqy isikauirtI irpojYSn)

2.1.4 jdoN k`uJ glq ho jwvy qW aunHW dw CyqI Aqy hmdrdI nwl inptwrw

krnw[

a) glqIAW nMU qurMq TIk krnw Aqy bYNk dy aunHW KricAW nMU r`d krnw

jo ik AsIN AwpxI glqI kwrn lwauNdy hW[

10

A) quhwfIAW iSkwieqW nMU qurMq dUr krnw

e) jykr qusIN Ajy vI sMquSt nhIN ho qW quhwnMU ieh d`sxw ik qusIN

AwpxI iSkwieq nMU ikvyN A`gy iljwxw hY[ (dyKo hyTW pYrw nM:10)

s) bYNk iv`c qknIkI AsPlqwvW kwrn pYdw hox vwlIAW kiTnweIAW

nMU G`t krn leI FukvyN ivklpW nMU auplb`D krvwauxw[

2.1.5 quhwfI swrI in`jI qy kwrobwrI sUcnw nMU injI qy gupq r`Kxw

hyTW pYrw nM: 4 iv`c vrinq-mwmilAW dy ADIn AsIN quhwfI swrI in`jI qy

kwrobwrI sUcnw nMU in`jI qy gupq r`KWgy[

2.1.6 kof dw pRcwr krnw-

AsIN quhwnMU

a) (mOjUdw gRwhk) nMU bynqI pRwpq hox ‟qy kof dI kwpI kwaUNtr ‟qy jW

ielYktwink sUcnw jW myl rwhIN mu/q p@dwn krWgy[

A) nvyN gRwhk nMU kof dI nkl auplb`D krWgy jdoN qusIN Awpxw Kwqw

KolHdy ho[

e) ies kof nMU Avlokn leI hryk SwKw iv`c Aqy AwpxI vYbsweIt ‟qy

auplb`D krWgy[

s) ieh XkInI bxwauxw ik swfw stwP kof nMU vrqoN iv`c ilAwaux

bwry Aqy kof bwry swrI sbMiDq sUcnW dyx dy Xog hY[

11

2.1.7 iek gYr ivqkry vwlI nIqI nMU Apnwauxw Aqy Aml

iv`c ilAwaux

AsIN AdwirAW dy pRomotr @¢p@wprweItr¢pwrtnr nwl aumr, nsl, ilMg, ivAwh dI siQqI, Drm jW AXogqw, jykr koeI hovy, dy AwDwr ‟qy koeI ivqkrw nhIN krWgy[

3. sUcnw

qusIN ivAwj dIAW drW, Awm PIs, Aqy KricAW bwry inmn ivcoN koeI vI

sUcnw pRwpq kr skdy ho[

a) swfIAW SwKwvW jW hYlp lweIn ‟qy Pon krnw[

A) swfI vYbsweIt nMU dyKxw[

e) swfy mnonIq stwP/shwieqw fYsk qoN jwxkwrI p@wpq krnw[

s) mihsUl AnusUcI doKo (hyTW pYrw 3.3) nMU dyKxw jo ik swfIAW SwKwvW

Aqy vYbsweIt ‟qy aupl`bD hY[

3.1 jnrl

AsIN :

a) quhwnMU swfy duAwrw pySkS kIqIAW sB skImW ivSys krky AYm AYs

eIz bwry jwxkwrI dvWgy[

A) quhwnMU ieh jwxkwrI dyvWgy ik swfy krzy qy auqpwdW ArQwq,

ngdI krzy, imAwdI krizAW, grMtIAW, ibl ifskwauNt/KrId, bYlyNs

sIt qoN bwhr mdW, smyq lwgU hox Xog ivAwzI dr, ivAwj, PIs qy

KricAW dI igxqI dI ivDI kI hY[

e) auqpwd qy syvw ijs dI qusIN AwpxIAW loVW Anuswr cox krdy ho,

nMU gRwhk AnukUl bxwaux dw Xqn[

12

s) quhwnMU ieh d`sWgy ik kI AsIN auqpwdW qy syvwvW nMU iek nwloN v`D

qrIky nwl pyS krdy hW (audwhrx vjoN ey tI AYm rwhIN, ieMtrnY`t

‟qy, Pon ‟qy, bRWcW iv`c Awid) Aqy quhwnMU d`sWgy ik aunHW bwry hor

jwxkwrI ikvyN pRwpq krnI hY[

h) quhwnMU ieh d`sWgy ik AsIN quhwfy koloN kI sUcnw pRwpq krnI cwhMudy

hW qW ik quhwfI SnwKq qy pqy bwry swbq kIqw jw sky qy AsIN

kwnMUnI, ivinXmk Aqy AMdrUnI nIqI loVW nMU pUrw kr skIey[

3.2 ivAwj drW

ivAwj drW iv`c qbdIlI

AsIN inmn swDnW rwhIN swfy auqpwdW qy ivAwj dIAW drW iv`c

qbdIlI bwry PYsly dy s`q idnW dy AMdr-AMdr quhwnMU sUicq krWgy-

a) quhwnMU p`qr ilK ky,

A) AYs.AYm.AYs jW

e) eImyl[

AsIN ies sUcnw nUM swfI vYbsweIt ‟qy vI p@drSn krWgy Aqy Avlokn

leI ies nUM swfIAW SwKwvW ‟qy vI sul`B krvwieAw jwvygw[

3.3 mihsUl dI AnusUcI

3.3.1 PIs Aqy Krcy

a) AsIN quhwnMU quhwfy v`loN cuxy auqpwdW qy syvwvW lwgU ‟qy hox vwly

swry KricAW ijvyN ik G`to-G`t bYlMs kwiem nw r`Kx ‟qy l`gxXog

KricAW, bwhrI sQwnW dy cYkW dI augrwhI, ifmWf frwPtW qy cY~k

bu`kW nMU jwrI krn, lyKw ivvrx, Kwqy nMU bMd krn Aqy ey tI AYm

13

sQwnW qoN pYsy kFvwaux/jmHW krvwaUx dy KricAW bwry sUicq

krwgy[

A) AsIN ieh XkInI krWgy ik v`K-v`K syvwvW leI PIsW Aqy srivs

KricAW dy sbMD ivc PYslw lYx leI borf vloN bwkwiedw AiDkwrq

Aqy swrIAW SwKwvW ‟qy AiDkwr Kyqr r`Kx vwly bYNk dy borf jW

iksy vI smr`Q ADIkwrI v`loN p@vwngI id`qI jwvy Aqy auh smrUp

sy@xI vwly gwhkW p@qI auicq Aqy ie`krUpqw vwlw nzrIAw r`Kxgy[

e) AsIN AwpxI mihsUl sUcI nMU AwpxI vYbsweIt ‟qy dyvWgy Aqy iesdI

iek nkl quhwfy mulwhzy leI mu/q hr bRWc iv`c auplb`D krWgy[

s) AsIN AwpxI vYbsweIt ‟qy Aqy AwpxIAW SwKwvW iv`c syvwvW dI

iek sUcI lgwvWgy jo ik mu/q sul`B krvweIAW jWdIAW hn[

h) AsIN quhwnMU quhwfy v`loN cuxy gey auqpwd/syvwvW ‟qy lwgU hox

vwlIAW SrqW qy p@qIbMDW dI aulMGxw dI sUrq iv`c l`gx vwly

jurmwinAW dI sUcnw vI dyvWgy[

k) AsIN bRWc dI kor bYikMg smwDwnW (sI bI AYs) dy rUp iv`c Apgy@f

kIqy jwx ‟qy KricAW iv`c vwDw nhIN krWgy[

3.3.2 PIs qy KricAW iv`c qbdIlI

jykr AsIN ienHW PIsW jW KricAW iv`c koeI vwDw krdy hW jW nvIN

PIs jW Krcw lwauNdy hW qW ies dI AiDsUcnw, soDy gey KricAW dy

pRBwvI hox dI imqI qoN iek mhIny pihlW swfI vYbsweIt/lyiKAW dy

ivvrxW/eI myl /AYs AYm AYs cyqwvnI SwKwvW dy noits borf qy

id`qI jwvygI[

14

3.4 SrqW Aqy p@qIbMD

a) AsIN quhwnMU ieh mSvrW dyvWgy ik auh syvw ijsdI qusIN swfy pwsoN

mMg kIqI hY, dIAW SrqW qy p@qIbMD ikhVy hn[

A) swrIAW SrqW Aqy p@qIbMD auic`q hoxgy Aqy ivSyS krky nwmzdgI

shUlq ij`Qy lwgU hox Xog hovy, Aqy dyxdwrIAW qy izMmyvwrIAW nMU

sMbMiDq AiDkwrW smyq spSt rUp iv`c qy ij`Qy q`k sMBv ho sky,

swdI qy swDwrx BwSw iv`c drswieAw jwvygw[

3.4.1 SrqW Aqy p@qIbMDW iv`c qbdIlI

a) AsIN SrqW qy p@qIbMDW iv`c qbdIlI bwry sUcnw inmn ivcoN iksy vI

swDn rwhIN dy skdy hW:

1) p`qr

2) AYs.AYm.AYs, jW

3) eImyl

AsIN ies sUcnw nUM swfI vYbsweIt ‟qy vI p@drSn krWgy Aqy Avlokn

leI ies nUM swfIAW SwKwvW ‟qy vI sul`B krvwieAw jwvygw[

A) jykr SrqW Aqy p@qIbMDW iv`c koeI qbdIlI hovy qW ies bwry 1

mhInw pihlW sUicq kIqw jwvygw[

e) jykr AsIN noits qoN ibnW koeI qbdIlI kIqI hY qW AsIN ies qbdIlI

nMU 30 idnW dy AMdr-AMdr AiDsUcq krWgy[ jykr AijhI qbdIlI

quhwfy leI nukswndwiek hY qW qusIN 60 idnW dy AMdr-AMdr qy ibnW

noits dy Awpxw Kwqw bMd kr skdy ho qy iesnMU bdl skdy ho, qW jo

quhwnMU vDIk Krcy jW ivAwj dI AdwiegI nw krnI pvy[

15

s) jykr AsIN iksy iek swl iv`c koeI v`fI qbdIlI kIqI hY jW kwPI

CotI qbdIlI kIqI hY qW, AsIN bynqI pRwpq hox ‟qy quhwnMU nvIAW

SrqW qy p@qIbMDW dI iek nkl dyvWgy[

4. gupqqw Aqy Brosw

AsIN quhwfI swrI in`jI qy vpwrk jwxkwrI nMU pRweIvyt qy gupq r`KWgy

(ie`QoN q`k ik aus smyN vI jdoN qusIN swfy gRwhk nhIN rihMdy ho) Aqy

hyT drswey isDWqW Aqy nIqIAW Anuswr clWgy[ AsIN quhwfI sUcnw

jW AMkiVAW nMU jo ik quhwfy KwiqAW dy sMbMD iv`c hn, jo quhwfy

v`loN id`qy jWdy hn jW hor, iksynMU vI swfy gru`p iv`c mOjUd

AdwirAW/kMpnIAW smyq iksy nMU nhIN d`sWgy isvwey inmn Apvwd

vwly kysW dy -

1) jykr swnMU kwnMUnn sUcnw dyxI pYNdI hY[

2) jykr sUcnw dyx leI pbilk pRqI Prz bxdw hY[

3) jykr swfy ihq ieh mMg krdy hn ik sUcnw id`qI jwvy (audwhrx

vjoN DoKybwjI nMU rokx leI) pr AsIN iesdI vrqoN quhwfy KwiqAW bwry

koeI sUcnw iksy nMU dyx leI kwrn dy rUp iv~c nhIN krWgy (ijs

iv`c quhwfw nW qy pqw Swml hovy) ijnHW iv`c swfy gru`p dIAW

kMpnIAW Swml hox, qy auh mwrkIitMg dy audySW leI hovy[

4) jykr qusIN swnMU sUcnw dyx leI kihMdy ho jW swfy kol quhwfI

AwigAw sul`B hY[

16

A) jykr swnMU quhwfy bwry iksy bYNkr dw hvwlw dyx leI ikhw jWdw hY

qW ieh dyx qy pihlW swnMU quhwfI ilKqI AwigAw dI loV hovygI[

e) AsIN mOjUdw kwnMUnI FWcy iv`c in`jI irkwrf jo ik quhwfy bwry swfy

kol hn, bwry quhwfy AiDkwrW dI h`d bwry quhwnMU d`sWgy[

s) AsIN quhwfI in`jI qy kwrobwrI sUcnw nMU mwrkIitMg dy audySW leI

swfy smyq iksy nMU iesqymwl nhIN krn dyvWgy, j`d q`k ik qusIN

swnMU Aijhw krn leI ivSyS krky AiDkwrq nhIN krdy ho[

4.1 krzw sUcnw kMpnIAW

a) AsIN quhwnMU krzw sUcnw kMpnIAW (sI AweI sI) dI BUimkw Aqy aus

sUcnw jo ik auh Awpxy mYbrW nMU idMdy hn, dy v`loN krzw lYx dI

Xogqw ‟qy pYx vwly pRBwvW bwry jwxkwrI dyvWgy[

A) jdoN qusIN Awpxw Kwqw KolHdy ho, qW AsIN quhwfy Kwqy dy vyrivAW nMU

sIAweI sIz nMU ByjWgy ijs iv`c quhwfy v`loN swnMU Adw krn vwly

vpwrk/injI krzy Aqy quhwfy Kwqy dI clxSIlqw Aqy aunHW ‟qy

swfy v`loN smyN-smyN ‟qy lgweIAW jwx vwlIAW rokW bwry d`isAw

jwvygw[

e) swfy koloN ley gey krzy dI jwxkwrI dI irport sI.AweI.sIz nMU

mwisk AwDwr ‟qy ByjI jWdI hY[

s) sI AweI sIz nUM id`qI geI sUcnw irport iv`c quhwfy v`loN swfy koloN

ley gey inzI krzy vI Swml hoxgy, jykr :

1) qusIN iksy rkm dI AdwiegI ivc ipCVdy ho[

2) krzy vwlI rkm ‟qy ivvwd hY[

3) quhwfy v`loN id`qy gey irx AdwiegI dy mSvry qoN AsIN sMquSt nhIhW[

17

h) jykr qusIN krzy Kwqy p@qI Bugqwn krn ivc ipCVdy ho, S/C qW

AsIN AglI mwisk irport ivc ies sUcnw nUM sI AweI sI z nUM dyx

leI zrUrI kwrvweI krWgy[

k) AsIN mwisk AwDwr ‟qy sI AweI sI z nUM quhwfy Kwqy dy hwlIAw

vyrvy dyxw jwrI r`KWgy, Kws qOr ‟qy aus smyN j`d ik quhwfw Kwqw

“s`b-stYNfrf” rihx qoN bwAd “stYNfrf” bx jWdw hY Aqy/jW

swfI sMquStI dy AnUrUp quhwfw Kwqw inXimq/bMd ho jWdw hY[

K) j`d qusIN swfy kol krzw suivDw leI drKwsq krdy ho, AsIN bynqI

krn Aqy inrDwrq PIs dw Bugqwn kIqy jwx ‟qy quhwnUM krzw

sUcnw dI iek kwpI sul`B krvweI jwvygI jo ik AsIN sI AweI sI z

qON p@wpq kIqI hY[

5. krzw dyxw

a) swfI krjw dyx dI nIqI jo iksy krzy jW iksy mwlI shwieqw dyx leI quhwfy

ibnYp`qr nwl sMbMiDq hY rwStrI nIqI dy audySW qy Bwvna qy ivinXmk

AwdySW dw pRgtwvw krygI[ AsIN iek iKVkI pRxwlI rwhIN shUlqW auplb`D

krn dw Xqn krWgy[

A) AsIN lGU qy Coty audmW dy sMbMD iv`c nIqI nMU AwpxI vYbsweIt ‟qy dyvWgy

qy quhwfy mulwhzy leI bRWc iv`c quhwnMU auplb`D krWgy[ ibnYp`qr pRwpq

hox ‟qy AsIN mwmUlI Krcy ‟qy iesdI iek nkl quhwnMU auplb`D krWgy[

e) AsIN inmn nwl sbMDq AwpxI nIqI nUM swfI hYlplweIn ‟qy

p@drSq krWgy Aqy ies dI iek kwpI swfIAW SwKwvW ‟qy vI sul`B

hovygI –

lGU Aqy Coty au~dmW nUM krzw dyxw[

lGU Aqy Coty au~dmW leI punrvws[

18

s) inrDwrq skIm dy Anuswr irtyl tryf, ividAk sMsQwvW, tryinMg

sMsQwvW Aqy svY-shwieqw gru`pW (AYs AYc jI z) nUM C`f ky p@qI

krzdwr v`D qoN v`D ru 100 l`K (rupey iek sO l`K) krzw smr`Qw

sihq srivs aud`mIAW smyq mOjUdw lGU Aqy Coty au~dmW dy nwl-

nwl nvyN au~dmIAW leI vI ies smyN sul`B Aqy AYm AYs eI z leI

sI jI tI AYm AYs eI gwrMtI dy rUp ivc lok ip@Aw Aqy pwqr bYkW

vloN sul`B krvweI jw rhI, lGU Aqy Coty au~dmW leI k@Yift gwrMtI

PMf trs`t dI k@Yift gwrMtI skIm dy AnurUp Aqy KricAW dy Bugqwn

Aqy sul`B lwBW smyq p@mu`K ivSySqwvW bwry AsIN quhwnUM sUicq

krWgy[

h) jykr lwgU hox vwlI iksy sbisfI skIm dy qihq krzy nUM kvr

kIqw hw skdw hY, qW AsIN quhwnUM AijhI skIm dIAW ivSySqwvW

Aqy pUrIAW kIqIAW jwx vwlIAW rsmW bwry spSt jwxkwrI dyvWgy[

k) AsIN sMBwvq krzdwrW dI iv`q p@bMDn bwry jwxkwrI nUM vDwaux

leI po@grwm AwXoijq krn dI koiSs krWgy[

K) AsIN ivcwrW Aqy suJwvW dy vtWdry leI inXimq cYnl dy rUp ivc

smyN-smyN ‟qy AYm AYs eI krzdwrW dIAW bYTkW AwXoijq krn dw

Xqn krWgy[

5.1 ibnY p`qr

AsIN

a) AsIN krijAW leI mu/q, swDwrx, imAwrI, smJx iv`c suKwlw ibnY

p`qr auplb`D krWgy[

A) quhwnMU cY~k sUcI (kwnMUnI qy ivinXmk loVW nwl sbMiDq nwl krzy

dw ibnY p`qr Pwrm auplb`D krWgy qW ik quhwnMU hr ilhwz nwl,

19

mukMml ibnYp`qr pyS krn dy Xog bxwieAw jw sky[ jykr loV hovy

qW AsIN krzw ibnY p`qr Pwrm nMU Brn iv`c vI quhwfI shwieqw

krWgy[

e) ibnY p`qr Pwrm auplb`D krn smyN AsIN quhwnMU lwgU hox Xog

ivAwj dIAW drW, swlwnw ivAwj dr qy PIs/Krcy jykr koeI hox,

po@sYisMg, pUrv-AdwiegI ivklpW qy KricAW, jykr koeI hox Aqy

Aijhy hor mwmly jo ik quhwfy ih`q ‟qy pRBwv pwauNdw hY, dI sUcnw

vI dyvWgy qW ik hor bYkW nwl ArQ pUrn qulnw kIqI jw sky qy

quhwfy v`loN Fu`kvW PYslw ilAw jw sky[

s) Awpxy krzw ibnY p`qr Pwrm dI ilKqI rsId pRwpq kro BwvyN ies

nUM dsqI rUp iv`c jW AOn lweIn jmWH krvwieAw igAw hovy Aqy

aukq iv`c drKwsq dw inptwrw krn leI smyN sImw dw vyrvw id`qw

igAw hovy[

h) swDwrx qOr qy krz dI shUlq leI ibnY p`qr dyx dI iqAwrI smyN

swry loVINdy vyrvy iek`qr kro[ jykr swnMU iksy vwDU sUcnw dI loV hY

qW AsIN ibnY p`qr pRwpq krn dI imqI qoN s`q kwrzI idnW dy

AMdr-AMdr quhwfy nwl sMprk krWgy[

k) sMqoSjnk FMg nwl c`l rhI mOjudw krzw suivDw dy nvInIkrn dy

smyN AsIN quhwfy koloN isrP auh vwDU jwxkwrI hI p@wpq krn dw

Xqn krWgy joik pihlW qoN swfy kol sul`B nhIN hY[

K) quhwfy vloN p@wpq kIqI jwx vwlI Aqy swfy vloN p@vwnq

krzw/kY@ift suivDw ‟qy lwgU hox vwlIAW AiqAMq mh`qvpUrn SrqW

qy p@qIbMDW (AYm AweI tI sI) nUM sul`B krvWvWgy[

g) qusIN Awpxy ibnY p`qr Pwrm dI siQqI bwry Awn-lweIn jwxkwrI pRwpq krn dw Xqn kro[

20

G) jykr krzy dI mnzUrI id~qI jW nhIN id`qI jWdI qW pMj l`K rupey

q`k dy krijAW leI pRosYisMg PIs dI vsUlI nw kIqI jwvy[

|) qusIN krzy leI mOjUdw 5 l`K rupey dI sImW h`d iv`c vwDw krn leI

Awpxy ibnY p`qr dw inptwrw do hPiqAW dy AMdr AMdr kro Aqy 5

l`K rupey qoN aupr qy ru 25 l`K q`k dI sImw dy krzy dw inptwrw

ibnY p`qr pRwpq hox dy 4 hPiqAW dy AMdr AMdr kro Aqy ru. 25

l~K qoN v`D krzw sImw leI ibnYp`qr dw inptwrw 8 hPiqAW AMdr

kIqw jwvy pr Srq ieh hY ik quhwfy ibnY p`qr hr ilhwz nwl

mukMml hox Aqy aus nwl l`gy dsqwvyz “cY~k sUcI” Anuswr hr

ilhwj nwl pUry hn [

5.2 krzw m`ulWkn

a) AsIN

1) AsIN quhwfy v`loN ibnY p`qr iv`c vrinq vyrivAW dI qsdIk Awpxy

stwP/eyjMsIAW rwhIN quhwfy vpwrk pqy/irhwieS qoN Awpxy stwP rwhIN

quhwfy nwl sMprk krky krvwvWgy[

2) quhwnMU krzw dyx jW quhwfy Evr frwPt jW krz dI sImW/sImwvW nMU

vDwaux leI ieh mulWkx krWgy ik kI qusI iesdI punr AdwiegI

kr skdy ho[ AsIN quhwfy krzw ibnY p`qr dI auic`q imhnq qy

mu`lWkn nwl auic`q inrDwrx krWgy[

3) AsIN quhwfy duAwrw kIqIAW ivauNqbMdIAW dI qwrikkqw bwry AwpxI

qs`lI krWgy[

4) AwpxI krzw loV dw mu`lWkn krdy smyN Awpxy kwrobwr dy mosm jW

kwl c`kr nUM iDAwn iv`c r`iKAw jwvy, ijQy loV hovy qW pIk Aqy

nwn pIk krzw sImW inrDwrq kIqI jwvy[

21

A) swfy v`loN hyT drsweI jwxkwrI dy AwDwr ‟qy Fu`kvW m`ulWkx inmn

nMU dyK ky kIqw jwvygw-

1) krzw lYx dw audyS[

2) quhwfI vpwrk Xojnw

3) quhwfy vpwr iv`c ngdI rkm jo l`gI hY, lwB dI mwqrw Aqy mOjUdw

mwlI vcnb`DqwvW ijnHW nUM pUrw kIqw jwxw hY, jykr loV hovy, qW

lyiKAW dy ivvrxW sihq[

4) quhwfIAW in`jI mwlI vcnb`DqwvW

5) AqIq iv`c qusIN Awpxy iv`qW dw lYx-dyx ikvyN kIqw hY[

6) auh jwxkwrI jo AsIN krYiftsUcnw kMpnIAW pwsoN pRwpq krdy hW[

7) m`ulWkn jo ik pRis`D krzw m`ulWkn eyjMsIAW v`loN kIqw igAw hY,

jykr koeI hovy[

8) hornW pwsoN sUcnw, ijvyN ik hornW krzw dwiqAW/lYxdwrW pwsoN imldI

hY

9) mwrkIt irportW[

10) koeI zmwnq jo id`qI geI hY jW krzw loV 100 l`K dy AMdr hox

dI sUrq iv`c sIjItIAYmAYseI gwrMtI kvr sul`B hY[

e) AsIN

1) smyN-smyN ‟qy BwrqI irzrv bYNk v`loN inrDwrq sImw AMdr jW 10 l`K

rupey q`k krzw sImwvW leI smrQk irx AwDwr (zmwnq) lYx leI

mjbUr nhIN krWgy[

2) AsIN 25 l`K rupey q`k zmwnq mukq krzw dyx ‟qy ivcwr krWgy

jykr AsIN quhwfy ipCly irkwrf qoN sMquSt hW qy mwlI hwlq cMgI

qy Tos hY[

22

3) LGU Aqy Coty audmW leI k@Yift gwrMtI PMf tr`st dI k@Yift gwrMtI

skIm dy qihq ru 100 l`K dI drzw smr`Qw AMdr- AMdr krzw

suivDwvW nUM kvr krn leI AsIN quhwfI sihmqI p@wpq krWgy Aqy

aus dy AnurUp, quhwfI sihmqI dy Anuswr, sI jI tI AYm AYs eI

skIm dy qihq kvrf F`ukvIN suivDw dy rUp ivc swfy v`loN p@vwnq

hox vwlI Aqy v`D qoN v`D ru 100 l`K dy AMdr hox vwlI suivDwvW

leI AsIN kolYtrl isikaurtI Aqy/jW qIsrI iDr gwrMtI leI mzbUr

nhIN krWgy[

4) quhwfI p@wjYkitf swlwnw trnavr dy G`to-G`t 20 p@qISq dy

brwbr dy AwDwr ‟qy gxnw kIqI kwrjSIl pUMjI sImw lGU Aqy Coty

audmW (inrmwx) nUM p@dwn krWgy[

5) quhwfI bynqI ‟qy kwrj pUMjI sImwvW iv`c FukvyN vwDy ‟qy ivcwr

krWgy ij`Qy auqpwdn XojnwvW nwloN v`D jWdw hY jW ij`Qy kwrjI

pUMjI dw muFlw inrDwrx, nwkw/I pwieAw jWdw hY qy qusIN ausdw

zrUrI sbUq pyS kIqw hY[

s) gwrMtIAW

jykr qusIN swnMU AwpxIAW dyxdwrIAW leI, iksy hor pwsoN gwrMtI jW

hor zmwnq svIkwr krn leI kihMdy ho qW AsIN quhwnMU ieh iezwzq

dyx leI khWgy ik quhwfy iv`qW bwry aunHW nUM jW aunW dy kwnMUnI

slwhkwr nUM gupq sUcnw id`qI jwvy[ qW AsIN-

1) aunHW nMU auqSwihq krWgy ik auh suqMqr kwnMUnI mSvrw lYx qW ik ieh XkInI bxwieAw jw sky ik auh AwpxI vcnb`Dqw nMU Aqy Awpxy PYsly dy sMBwvI is`itAw nMU smJdy hn (ij`Qy auic`q hovy ijnHW dsqwvyjW ‟qy AsIN aunHW nMU hsqwKr krn leI kihMdy hW, iv`c ieh isPwrS iek spSt noits vjoN Swml hovygI)[

23

2) aunHW nMU ieh d`so ik gwrMtI jW hor jmwnq dyx nwl auh Aqy qusIN

vI dyxdwr bx jwvogy[

3) mMjUrSudw krzy/krzw AYgrImYNt dIAW srqW Aqy p@qIbMDW dI kwpI

quhwfy vloN p@wpq kIqI suivDw dy gwrMtr nUM imlxI cwhIdI hY[

4) Awpxy imAwdI krizAW/ifmwf lonW sbMDI Kwqy dI swlwnw stytmyNt

dI iek kwpI krzy dy gwrMtr nUM ByjI jwvy[

5.3 mnzUrI/r`d krnw

AsIN

a) krzw shUlq/shUlqW dI mnzUrI dyx leI ievjwny vjoN lwzmI

ifpwizt leI zor nhIN idAWgy[

A) jdoN quhwnMU Evr frwPt leI jW quhwfI mOjUdw EvrfrwPt sImW

iv`c vwDy leI pySkS krdy hW qW quhwnMU d`sWgy ik kI quhwfy

EvrfrwPt mMg kIqy jwx ‟qy jW hor smyN punr AdwiegI Xog hY[

e) sihmqI vwlIAW krzw shUlqW ‟qy lwgU hox vwlIAW SrqW qy

p@qIbMDW qy hor aujrdwrIAW nMU ilKqI rUp ivc dyvWgy Aqy aunHW dI

auicq rUp iv`c qsdIk krWgy Aqy ausdI iek nkl quhwnMU dyvWgy[

s) Awpxy Krcy ‟qy Aml iv`c ilAWdy swry krzw dsqwvyzW dIAW

pRmwixk nklW dI iek kwpI qy krjw dsqwvyj qy aunHW dI sUcI

iv`c vrixq swry sih p`qrW dIAW pRmwixk nklW sul`B krvWvWgy[

h) quhwfy krzy leI ibnY p`qr jW krjw shUlq nMU nw dyx leI ilKqI

rUp ivc kwrn d`sWgy[

k) iek mulWkn pRxwlI dw Anusrx krWgy, ijsdy mwpdMf quhwfy nwl sWJy kIqy jwxgy[

K) ibnW iksy pUrv AdwiegI vwly jurmwny lwaux dy 50 l`K rupey q`k dy krijAW dI pUrv AdwiegI dI AwigAw dyvWgy[

24

g) ibnW iksy pUrv AdwiegI vwly jurmwny lwaux dy AsiQr ivAwj dr

vwly krizAW dy pUrv Bugqwn dI iezwzq dyvWgy[

G) AijhI mnjUrI ‟qy lwgU hox vwlIAW swrIAW SrqW qy p@qIbMDW dI

pwlxw dI imqI qoN do kwrzI idnW dy AMdr-AMdr mnjUr kIqy krzy

dy Bugqwn nMU XkInI krWgy[

|) quhwnMU irx mukqI SYifaul sul`B krvWvWgy (krzy dI imAwd leI

ivAwj Aqy mUlDn dy punr Bugqwn leI SYifaul)[

c) quhwnMU id`qy gey mnjUrI p`qr iv`c vrinq SrqW qy p@qIbMDW Anuswr

shUlqW dy inXqkwlI mulWkx qy nvInIkrn nMU XkInI krWgy[

5.4 kyNdrI rijstrI

jdoN quhwnMU krzy dI suivDw cwhIdI hovy qW AsIN quhwnUM slwh dyvWgy

ik quhwnUM kydrI rijstrI dy kMm kwz Aqy aunHW dy irkwrf ‟qy iksy

vI auDwr lYx vwly jW pRwptI dy lYx-dyx dy cwhvwn ivAkqIAW

dw irkwrf pRwpq krnw cwhIdw hY[

5.5 Bugqwn auprMq

AsIN

a) ieh XkInI krWgy ik AsIN quhwfy kwrobwr iv`c dKl AMdwzI qoN

guryz krWgy isvwey krzy iv`c mnjUr SrqW; krzw iekrwrnwmy dy jW

jdoN koeI nvIN/p@qIkUl sUcnw bYNk nMU pRwpq huMdI hY[

A) swfI inrIKx pRIikRAw iv`c auswrU hox dw Xqn krWgy Aqy aunHW

auic`q kiTnweIAW nwl inptwrw krdy smyN hmdrdI nwl pyS

AwvWgy jo ik swfy nwl vrqwry smyN quhwnMU drpyS ho skdIAW hn[

25

e) iksy vI hor krzw sMsQwn qoN qusIN bwAd ivc krzw suivDw p@wpq

krdy ho qW ies bwry swnUM sUicq kIqw jwvy[

s) inmn jwxkwrI quhwfy koloN pRcilq AwDwr qy pRwpq kr skdy hW[

1) quhwfI vpwrk Xojnw dy vwsqivk is`itAW nwl Biv`KbwxIAW dI

qulnw[

2) quhwfI vpwrk Xojnw dy mh`qvpUrn p`KW ivc pRgqI[

3) swlwnw Kwqy ijvyN ik bYNlysSIt Aqy lwB qy hwnI Kwqy Aqy hor

shwiek dsqwvyz[

4) quhwfy lYxdwrW Aqy krzweIAW dI aumr Anuswr vMf Aqy Swml

rkm[

h) Awm iehiqAwqW Anuswr AwpxIAW sImwvW qoN v`D pYsy k`Fvwaux dI

AwigAw dyvWgy[

k) jykr quhwfy hwlwq bdl jWdy hn, qW iksy nvIN sUcnw bwry g`l

krWgy jo ik swnMU quhwfy pwsoN pRwpq krn dI loV hY[

K) quhwfy jW bYNk/mwlI sMsQw jo ik quhwfw Kwqw lYx dI qjvIj r`KdI

hY, krzy dy Kwqy dI qbdIlI leI bynqI dI pRwpqI dy do h/iqAW dy

AMdr -AMdr AwpxI sihmqI jW hor vyrvy sUicq krWgy[

g) krzy dw muV Bugqwn p@wpq hox qoN qurMq bwAd swrIAW sikaurtIAW nUM vwps kr dyvWgy Aqy sihmqI jW iekrwrnwmy dy Anuswr swrIAW dyxdwrIAW dw pUnr Bugqwn hox ‟qy aukq imAwd 15 idnW dI hovygI[ jykr iksy hor dwAvy bwry iksy qrHW dy AiDkwr dI vrqoN kIqI jWdI hY qW AsIN hor dwivAW bwry mukMml vyrivAW Aqy sbMDq dwAvy dw inptwrw hox/Bugqwn hox q`k igrvI r`KI p@wprtI dI mwlkI/sikaurtIAW/ dsqwvyzW nUM Awpxy kol r`Kx sbMDI bwkwiedw noits jwrI krWgy[

26

G) jwmnIAW/filvrIAW nMU ausy idn pRBwvkwrI krnw ijs idn quhwfy

qoN ibnY p`qr pRwpq huMdw hY[

|) sikaurtI jmHW krvwaux dy 24 GMty AMdr pYsw k`Fvwaux dI SkqI

ivc vwDw p@dwn krWgy[

c) quhwnMU quhwfy Kwqy iv`c pYsw jmHW krvwaux bwry sUicq krnw jo

ivAwj, PIs qy KricAW kwrn pYdw huMdy hn[

C) KwiqAW nUM sMcwlq krn bwry smyN-smyN ‟qy stytmyNt p@dwn krn qoN

ielwvw, AsIN quhwnUM quhwfy imAwdI krizAW/ifmWf donW dy Kwqy

nwl sbMDq swlwnw stytmYNt vI sul`B krvWvWgy[

j) jdoN vI loV hovy quhwnUM lon stytmYNt, tYirP SYifaul ivc vrqx

kImq ‟qy p@dwn krWgy[

J) inmn qrIikAW iv`coN iksy jW v`D qrIky nwl quhwfy vloN kIqI

pRgqI dw inrIKx krnw-

1) quhwfy duAwrw r`Ky stwkW dy ivvrxW dI smyN-smyN ‟qy CwxbIx[

2) swfy kol quhwfy Kwqy iv`c lYx-dyx dI ingrwnI[

3) stwkW Aqy/jW AswisAW ijnHW bwry PwienWs kIqw igAw hY, dI

pVqwl leI swfy stwP jW AiDkwrq numwieMdy rwhIN quhwfy Ahwqy

‟qy pDwrnw[

4) ij`Qy loV hovy mwrikt irportW pRwpq krnw ik quhwfw kwrobwr ikvyN

c`l irhw hY[

t) AYn pI ey bx jwx qoN pihlW hI quhwfy Kwqy dI siQqI bwry quhwnUM

p`qr/myl jW AYs AYm AYs rwhIN sUicq krn dI koiSs krWgy[

T) vwDU sikaurtIAW dI loV jW AYgrImYNt dy qihq kwrjkrdgI jW Bugqwn ivc vwDw krn/aus nUM vwps lYx qoN pihlW quhwnUM auicq smyN ‟qy noits id`qw jwvygw[

27

5.6 nwn-PMf AwDwirq shUlqW

a) AsIN ieSUAW, slwh mSvry, puStI, g`lbwq, lYtrz AwP k@Yift (AYl

sIz) dI Cot rwhIN pUMjI aupkrxW jW k`cy mwl /KpqXog vsqW Awid

dI KrId leI nwn-PMf Awid dI KrId leI nwn-PMf AwDwirq

shUlqW dI pySkS kr skdy hW[ suivDwvW ijvyN ik lYtr AwP k@Yift,

gwrMtIAW, kulYkSnW Awid aupr rwStrI kwnUMnW qoN ielwvw sbMDq

inXm Aqy smyN-smyN ‟qy p@kwSq hox vwly kOmWqrI cYNbr AwP kwmrs

(AweI sI sI) dy p@kwSn p@BwvI hoxgy[

A) AsIN quhwfIAW mwlI dyxdwrIAW leI gwrMtr vjoN KVHy ho skdy hW[

e) AsIN inrXwq iblW Aqy GrylU AwaUt stySn tryf qy srivs iblW nMU

iek`qr krn iv`c quhwfI shwieqw kr skdy hW[

5.7 bImw

a) AsIN quhwnUM AijhI koeI sUcnw vI dyvWgy, jykr AsIN iksy bImw

kMpnI dy eyjMt dy rUp ivc iksy qrHW dy bImy dI pySkS krdy hW[

A) AsIN ieh vI XkInI krWgy ik ienHW bImw auqpwdW nUM p@wpq krn

leI swfy kol quhwfI ilKqI sihmqI hovy[

e) jykr quhwfy vloN p@wpq kIqy gey krizAW p@qI swfy kol koeI

sikaurtI jmHW krvweI geI hY, qW AsIN quhwnUM iksy ivSyS p@ovweIfr

qoN bImw kvr p@wpq krn leI mzbUr nhIN krWgy[

5.8 mwlI kiTnweIAW

AsIN ikvyN shwieqw kr skdy hW[

28

5.8.1 AsIN mwlI kiTnweI dy kysW bwry hmdrdI nwl Aqy inScy pUrvk

ivcwr krWgy[ quhwnMU cwhIdw hY ik Awm qOr ‟qyy pihlW sm`isAwvW

dI SnKwq kro qy aunHW bwry ijqnI jldI sMBv ho sky swnMU

jwxkwrI idE[ jykr swnMU sm`isAwvW dw pqw l`g jWdw hY qW AsIN

quhwnMU ilKqI rUp iv`c jwxkwrI dyvWgy[ jykr rPqwr mh`qvpUrn

pRqIq huMdI hY qW AsIN quhwfy nwl Pon, PYks jW eI-myl rwhIN sMprk

kr skdy hW[

5.8.2 ies sUcI iv`c kuJ audwhrxW id`qIAW geIAW hn jo ik swfy nwl

sbMiDq hn, ivSyS krky jykr qusIN ieh nhI d`sdy ik kI vwpr irhw

hY[

a) jykr vpwrk auqpwdn dy AwrMB hox iv`c huMdI dyrI AswDwrx hY

Aqy lwgq v`D jWdI hY Awid[

A) jykr qusIN sihmqI vwlIAW sImwvW qoN bwr bwr v`D jWdy ho[

e) jykr quhwfy kYS k@Yift/cwlU KwiqAW ivc cYk vwpsI dy mwmly v`D

jWdy hn[

s) jykr quhwfy pwsoN auic`q spStIkrn qoN ibnW quhwfI vpwrk

trnEvr iv`c fy p`Dr ‟qy vwDw jW kmIAW huMdIAW hn[

h) jykr gYr qwrikk qOr ‟qy lMmy smyN q`k kMm bMd/mnsUK ho jWdw hY[

k) jykr quhwnMU nukswn ho irhw hY[

K) jykr Acwnk quhwfw vpwrk BweIvwl jW sih pRoqswhk jW Aihm

gRwhk jW krmcwrI quhwfy koloN cilAw jWdw hY[

g) jykr qusIN Awpxy kwrobwr dw v`fw ih`sw vycdy ho[

29

G) jykr qusIN krzw shUlq/shUlqW dI vrqoN aunHW mMqvW qoN ielwvw

iksy hor mMqv leI krdy ho, ijs bwry ik swfy nwl sihmqI hoeI hY

jW PMfW dI vrqoN ie`Cq vpwr qoN ibnW hor mMqvW leI krdy ho[

|) jykr qusIN ivAwj dI srivs inrDwrq AMqrwl qy nhIN krdy[

c) jykr qusIN sihmqI vwlI krzw punr AdwiegI dI sUcI ‟qy kwiem

rihx iv`c AsPl rihMdy ho[

C) jykr quhwfy v`loN gRwhkW nMU k`ty gey ib`l bwr-bwr Ax-AdwiegI

nwl vwps Aw jWdy hn[

j) jykr quhwfy splweI krqwvW duAwrw quhwnMU k`ty gey iblW dI

svIikRqI qusIN Aksr nhIN krdy ho[

J) jykr swfy v`loN quhwfI qrPoN jwrI gwrMtIAW dI mMg kIqy jwx ‟qy

aunHW nMU svIkwr nhIN kIqw jWdw[

v) jykr quhwfy vhI dy krzy/krzdwrW dw Awkwr aunHW nhIN v`D irhw

huMdw hY jo ik quhwfy Kwqy dI trn Evr dy AnukUl hovy[

t) jykr swrIAW ivkrIAW quhwfy Kwqy rwhIN nhIN kIqIAW jWdIAW[

T) jykr qusIN krjw iekrwrnwmy iv`c inrDwrq SrqW dI pwlxw nhIN

krdy[

f) jykr qusIN sihmqI vwlI sUcnw smyN isr nhIN idMdy[

F) jykr koeI hor lYxdwr quhwfy kwrobwr ivru`D bMd krn dI ptISn jW

hor kwnMUnI kwrvweI krdw hY[

5.8.3 AsIN quhwfIAW kiTnweIAW ‟qy kwbU pwaux leI jo shwieqw kr skdy hW, auh krWgy[ quhwfy ikRAwSIl sihXog nwl quhwfIAW mwlI kiTnweIAW dw inptwrw krn leI koeI Xojnw bxwvWgy Aqy AsIN quhwnMU ilKqI rUp iv`c d`sWgy ik AsIN iks ‟qy sihmqI pRgt kIqI hY[

30

5.8.4 AsIN quhwnMU krzw mSvrw syvwvW aupl`bD krn dw Xqn krWgy

qW ik AsIN quhwfIAW mwlI kiTnweIAW dw inbyVw krn iv`c

quhwfI shwieqw kr skIey[

a) jykr qusIN kiTnweIAW iv`c Psy hoey ho, AsIN quhwfy slwhkwr nwl

g`lbwq krWgy, pr jykr qusIN swnMU Aijhw krn leI khogy[ ieh g`l

mh`qvpUrn hY ik qusIN sdw ivSvwS nwl kwrvweI kro qy ho rhIAW

pRgqIAW bwry swnMU jwxkwrI idE, swfy nwl Awpxy iekrwrnwmy ‟qy pUry

rho Aqy zrUrI qbdIlI krn leI ijMnI jldI sMBv hovy iqAwr rho[

A) AsIN quhwnMU hor mwlI sUcnw/vcnb`DqwvW leI kih skdy hW ijs

nwl swnMU ies g`l iv`c shwieqw p@wpq hovygw ik quhwfIAW

kiTnweIAW nMU smJx leI AsIN ie`kTy kMm kr skIey[

5.9 bImwr AYm AYs eIz dI sWB sMBwl Aqy krzw punr gTn[

jykr quhwfw krzy dw Kwqw 6 mhIinAW qoN v~D imAwr nwloN nIvW rihMdw

hY jW quhwfy XUint nMU bImwr smiJAw jWdw hY qW AsIN sWB sMBwl/krzw

pUnr isrjxw pRogrwm ‟qy ivcwr krWgy[ punr vws/krzw punr isrjxw

leI quhwfI bynqI dI pVqwl krn leI, AsIN -

a) pihlW ieh dyKWgy ik kI qusIN sMBwl Xog/sMBwln dI sMBwvnw Xogho[

A) jykr qusIN sMBwl Xog/sMBwln dI sMBwvnw Xog pwey jWdy ho qW

quhwfI punr isrjnw leI drusqI kwrvweI AwrMB kIqI jwvygI[

e) jykr quhwfI XUint sMBwl dI sMBwl dI sMBwvnw sihq c`lxXog hY

qy shwieqw sMG/bhup`KI bYikMg pRbMD ADIn hY Aqy jykr swfy kol

bkwieAw dw v`D qoN v`D ih`sw hY, qW punrvws pYkyj iqAwr kIqw

jwvygw[

31

s) iek punrvws pYkyj iqAwr kIqw jwvygw ijs iv`c Awr bI AweI

dIAW SrqW dy Anuswr quhwfw Xogdwn vI Swml hovygw Aqy ausnMU

quhwfI bynqI dI pRwpqI dI imqI qoN v`D qoN v`D 60 idnW dy AMdr-

AMdr lwgU kIqw jwvygw[

jykr AsIN ieh nhIN smJdy ik punr sQwpnw Xojnw sPl hovygI qW AsIN

iesdy kwrnW bwry quhwnMU d`sWgy ik ikauN Aqy hor qrIikAW ‟qy ivcwr

krn leI quhwfI Aqy quhwfy slwhkwrW dI shwieqw krWgy[

jykr AsIN iksy iekrwrnwmy qy nhIN pu`jdy, qW AsIN spSt krWgy ik AsIN

quhwfI shwieqw krn ivc Asmr`Q ikauN hW qy quhwnMU d`sWgy ik AsIN

AwpxI shwieqw kdoN vwps lvWgy[

5.9.1 dyxdwrIAW dw inptwrw

k) jykr AsIN dyxdwrIAW dy muV Bugqwn leI quhwnUM iek muSq inptwry

(E tI AYs) dI pySkS krdy hW qW AsIN quhwnUM pySkS dw mukMml vyrvw

dyvWgy[

K) quhwnUM pySkS kIqI E tI AYs dIAW SrqW Aqy p@qIbMDW bwry quhwnUM

ilKqI rUp ivc sUicq krWgy[

g) jykr E tI AYs p@sqwv bwry sihmqI bxdI hY qW AsIN quhwnUM krzw

sUcnw kMpnIAW (sI AweI sI z) vloN r`Ky gey quhwfy krzy dy ieiqhws ‟qy

Aijhy inptwry dy p@qIbMDW bwry quhwnUM spSt siQqI d`sWgy

6. bkwieAw dI vsUlI Aqy sikaurtI punr pRwpqI nIqI

6.1 bkwieAw dI augrwhI

a) AsIN jdoN vI krzy idMdy hW, AsIN quhwnMU d`sWgy ik punr AdwiegI

dI pRikRAw kI hY, rkm ikMnI, imAwd Aqy punr AdwiegI dw inXq

32

smW ikMnw hY[ pr jykr qusIN punr AdwiegI dI AnusUcI ‟qy kwiem

nhIN rihMdy qW bkwieAw dI vsUlI leI dys dy kwnMUnW Anuswr

inrDwrq kIqI kwrvweI kIqI jwvygI jo ik quhwnMU krzy dI mnjUrI

smyN id`qI jwvygI[

A) ies pRikRAw iv`c quhwnMU noits Byj ky, jW injI PyrIAW pw ky/jW

sikauirtI dy punr kbzy jykr koeI hovy, rwhIN d`isAw jwvygw[

e) koqwhI dI sUrq iv`c AsIN kys nMU vsUlI eyjMt kol Byj skdy hW[

AsIN quhwnMU sUicq krWgy ik vsUlI dI kwrvweI AwrMB kr id`qI

geI hY[

s) vsUlI kwrvweI AwrMB krn smyN AsIN quhwnMU ieh vI d`sWgy ik jykr

qusIN ies sbMD iv`c koeI Skwieq krnI cwhuMdy ho, qW qusIN swfy

hYlplweIn nMbr ‟qy sMprk kr skdy ho[

h) AsIN Awpxy vsUlI eyjMtW rwhIN Anuicq vrqwirAW bwry quhwfIAW

iSkwieqW dI pVqwl krWgy[ jykr quhwfy qoN swnUM iSkwieq p@wpq

huMdI hY ik bYNk dw p@qIinDI/vsUlI eyjMt quhwfy nwl mwVw vqIrw

krdw hY jW kof dI aulMGxw vwlI kwrvweI krdw hY qW AsIN mwmly

dI Cwx bIx krWgy Aqy iSkwieq p@wpq hox dI imqI qoN 30 kwrj

idnW AMdr ies dy nqIzy bwry sUicq krWgy Aqy inAW sMgq hox ‟qy

AsIN nUkswn leI quhwnUM muAwvzw vI dyvWgy[

6.2 bkwieAw dI augrwhI Aqy sikaurtI vwpsI sMbMDI nIqI

a) swfI vsUlI nIqI iSStwcwr, auic`q vrqwE Aqy pRyrnw qy AwDwirq

hY[ AsIN gwhk dw Brosw kwiem r`Kx qy dIrG kwlIn sbMD iv`c

ivSvws r`Kdy hW[ AwpxI nIqI dy ih`sy dy rUp iv`c –

1) AsIN bkwieAw bwry quhwnMU swrI sUcnw dyvWgy Aqy bkwieAw dI

33

AdwiegI leI auic`q noits dyx dw Xqn krWgy[

2) AsIN ilKqI rUp quhwnUM suicq krWgy ik AsIN kdoN quhwfy ivru`D

vsUlI kwrvwnI SurU kr rhy hW[

3) swfy vloN lgweI geI vsUlI eyjMsI PrmW/kMpnIAW sy vyrivAW nUM

swfI vYbsweIt ‟qy p@drSn kIqw jwvygw[

4) bynqI kIqy jwx ‟qy AsIN vsUlI eyjMsI PrmW/kMpnIAW dy vyrivAW nUM

swfIAW SwKwvW ivc vI sul`B krvWvWgy[

5) bkwieAw dI augrwhI Aqy/jW sikaurtI punr kbzy leI swfy stwP

jW swfI p@qIinDqw krn vwly AiDkwrq ivAkqI vloN AwpxI

pCwx id`qI jwvygI Aqy swfy vloN jwrI kIqw igAw AQwrtI lYtr

idKwieAw jwvygw Aqy bynqI kIqy jwx ‟qy auh swfy vloN swfy

ADIn AQwrtI vloN jwrI kIqy gey pCwx p`qr nUM vI pyS krngy[

6) Bugqwn ivc AsPlqw dy mwmly nUM augrwhI eyjMsIAW dy supurd krn

qoN pihlW swfy kol p@qIbMDW dI iek AijhI p@xwlI hovygI ijs nwl

swfI iksy kmI krky quhwnUM koeI id`kq nw J`lxI pvy[

A) stwP dy swfy mYNbr jW swfy bYNk vloN augrwhI leI jW sikauirtI

punr pRwpqI leI numwieMdgI kr irhw AiDkwrq koeI ivAkqI

auic`q vqIrw krygw qy auh inmn idSW inrdySW dI pwlxw

krngy-

1) quhwfy nwl swDwrx qOr ‟qy vpwrk kwrobwr dy sQwn Aqy jykr qusIN

vpwr/kwrobwr vwly sQwn ‟qy nhIN imldy qW quhwfI irhwieS ‟qy jW

iksy inrDwrq sQwn ‟qy nw imlx dI sUrq iv`c quhwfy AiDkwrq

ivAkqI dy cuxy hoey sQwn ‟qy sMprk kIqw jwvygw[

34

2) SnwKq Aqy numwieMdgI krn dI AQwirtI bwry quhwnMU sB qoN pihlW

d`isAw jwvygw[

3) quhwfI gopnIXqw Aqy gOrv dw Awdr kIqw jwvygw[

4) quhwfy nwl g`lbwq siBAw qrIky nwl hovygI[

5) jykr quhwfy kwrobwr jW pySy ivSyS dy hwlwq hor mMg nw krn qW

Awm krky swfy numwieMdy quhwfy nwl 0700 vjy qoN 1900 vjy

ivckwr sMprk kr skdy hn[

6) iksy ivSyS smyN qy jW ivSyS sQwn ‟qy quhwnMU kwl nw krn leI

quhwfy vloN kIqIAW bynqIAW nMU ijQy q`k sMBv hovy, svIkwr kIqw

jwvygw[

7) Pon kIqy jwx dy smyN Aqy kwlW dI igxqI Aqy smyN nMU Aqy g`lbwq

dy ivSy nMU ilKqI rUp id`qw jwvygw[

8) bkwieAw dy sbMD iv`c sB JgiVAW qy qkrwrW nMU AwpsI svIikRqI

qy jwbqy vwly qrIky nwl inptwieAw jwvygw[

9) bkwieAw rkm dI augrwhI dOrwn PyrIAW smyN SwlInqw Aqy suc`jqw

nMU brkrwr r`iKAw jwvygw[

10) bkwieAw nMU vsUl krn leI Anuicq smyN ijvyN ik pirvwr iv`c mOq

jW AijhIAW hor Aw/qW smyN Pon krn/PyrIAW pwaux qoN guryz kIqw

jwvygw[

e) AsIN kwnMUn Anuswr sikauirtI punr kbzw pwlsI dy Anuswr kMm

krWgy[ pwlsI dI iek nkl vYbsweIt ‟qy p@drSq kIqI jwvygI

Aqy bynqI pRwpq hox qy aupl`bD kIqI jwvygI[

35

7. jmHW Kwqy

a) qusIN swfy kol v`K-v`K iksmW dy Kwqy KolH skdy ho, ijvyN ik cwlU

Kwqy, imAwdI Kwqy Awid[

A) ij`Qy AwigAw hovy, ieh Kwqy quhwfy vloN shUlq sihq jW aus qoN

ibnW KolHy jw skdy hn[

e) AsIN pihlW dy KwiqAW nUM C`fx nwl sbMDq rsmW Aqy Kwqy KolHx

smyN nwmzdgI shUlqW bwry d`sWgy[

s) AsIN quhwnMU quhwfI ilkivf ifpwizt shUlq, svIp Kwqy Aqy swfy

vloN pySkS vwly iesy iksm dy auqpwdW Aqy aunHW nwl sbMDq

inXmW qy ienHW ‟qy lwgU hox vwlIAW ivDIAW bwry vI Kwqw KolHx

smyN d`sWgy, ij`Qy ik ieh lwgU huMdIAW/imlxXog hn[

7.1 Kwqw KolHxw Aqy jmWH KwiqAW dI kwrjSIlqw[

kOeI vI jmHW Kwqw KolHx qoN pihlW, AsIN-

a) “Awpxy gRwhk nMU jwxo” (ky vweI sI) idSw inrdySW ADIn loVIdI

koSS krWgy[

A) quhwnMU zrUrI dsqwvyz jW sbUq dyx leI d`sWgy[

e) kyvl AijhI sUcnw pRwpq krWgy jo ik swfI ky vweI sI, mnI

lWfirMg ivru`D jW koeI hor kwnMUnI loVW nMU pUrw kry[ jykr iksy hor

sUcnw dI mMg kIqI jWdI hY qW ieh v`Kry qOr qy mMgI jwvygI, Aqy

AsIN vDIk sUcnw pRwpq krn dy audyS bwry d`sWgy[ AijhI sUcnw

auplb`D krvwaux svYie`Cw ‟qy inrBr krygw jykr ieh kwnUMn

Anuswr zrUrI nhIN hY[

s) quhwnMU Kwqw KolHx dy Pwrm qy hor sm`grI dyvWgy[ ies ivc AijhI

Aqy zrUrI sUcnw dy vyrvy hoxgy jo ik pyS krn dI loV hY Aqy

36

Aijhy dsqwvyz jo qsdIk leI pyS kIqy jwxy hn Aqy/jW irkwrf

leI zrUrI hn qW ik ky vweI sI loVW nMU pUrn kIqw jw sky[

h) ivDIgq rsmI kwrvweIAW bwry d`sWgy qy zrUrI spStIkrx dyvWgy jo

ik jmWH Kwqw KolHx leI quhwfy v`loN mMgy jWdy hn[

k) quhwnUM sB qo zrUrI SrqW Aqy p@qIbMDW (AYm AweI tI sI) dI

jwxkwrI sul`B krvWvWgy joik quhwfI jmWH suivDw ‟qy p@BwvI hMudy

hn[

K) Kwqw KolHx smyN quhwnMU bImw skIm ADIn lwgU bImw kvr dy vyrvy

auplb`D krWgy jo ik ifpwizt ieMSorYNs AYNf k@Yift gwrMtI kwrporySn

AwP ieMfIAw (fI AweI sI jI sI) vloN pySkS kIqIAW inridSt

sImwvW Aqy SrqW ‟qy AwDwrq hoxgy[

7.2 quhwfy Kwqy nMU bdlxw

a) jykr qusIN Awpxw cwlU Kwqw bMd krn dw PYslw krdy ho qW AsIN

quhwfIAW hdwieqW pRwpq hox dy iqMn kwrzI idnW dy AMdr-AMdr

quhwfw Kwqw bMd kr dyvWgy[

A) jykr qusIN Awpxy Kwqy nMU swfy bYNk dI iksy hor SwKw ivc bdlI

krnw cwhuMdy ho qW AsIN Aijhw kr dyvWgy[ nvIN SwKw iv`c quhwfw

Kwqw quhwfI bynqI dy pRwpq hox dy iek h/qy dy AMdr-AMdr

kwrjSIl ho jwvygw pr Srq ieh hY ik nvIN SwKw iv`c qusIN ky

vweI sI dIAW rsmI kwrvweIAW pUrIAW krdy ho[ ijvyN hI Kwqw cwlU

huMdw hY AsIN quhwnMU iesdI sUcnw dyvWgy[ nvIN SwKw nMU quhwfIAW

sQweI hdwieqW / is`Dy fYibts, jykr koeI hox dI sUcnw id`qI

jwvygI[

37

e) jdoN qusIN iksy cwlU Kwqy nMU swfy kol jW swfy pwsoN bdlI krvwauxw

cwhuMdy ho qW AsIN iksy vI bYNk Krcy nMU r`d krWgy jo qusI swfI iksy

glqI jW gYr zrUrI dyrI kwrn quhwnMU Adw krnw pvygw[

7.3 jdoN qusI koeI jmWH Kwqw KolHdy ho qW

AsIN

a) quhwnMU lYx-dyx dI sMiKAw, ngdI kFvwaux Awid bwry sUicq krWgy

jo ik inrDwrq smyN iv`c ibnW iksy Krcy dy kIqw jw skdw hY[

A) AijhIAW sImwvW qoN v`D Krcy jykr koeI hox quhwnMU aunW bwry

d`sWgy[ KricAW dw vyrvw tYirP AnusUcI iv`c Swml kIqw jwvygw[

e) quhwnMU aus dr bwry sUicq krWgy ijs ‟qy ik quhwfy ifpwizt ‟qy

ivAwj dI AdwiegI kIqI jWdI hY, ies dI igxqI ikvyN kIqI jWdI

hY Aqy ies dI AvrqI ikMnI hY[

7.4 G`to-G`t bkwieAw

cwlU Kwqy jW iksy hor iksm dy jmWH Kwqy bwry ifpwizt auqpwdW bwry AsIN

quhwnMU sicq krWgy[

a) G`to-G`t bkwieAw rkm jo ik Aijhy KwiqAW dI kwrjSIlqw ‟qy

lwgU hox vwlIAW SrqW qy p@qIbMDW dy ih`sy v`joN brkrwr r`KxI hY[

A) aunHW KricAW bwry jo ik aus smyN lgwey jwxgy jykr quhwfy Kwqy

iv`c G`to-G`t bkwieAw nhI rihMdw[ hor KricAW, jo ik lgwey jwxy

hn, dy vyrvy tYirP AnusUcI iv`c Swml kIqy jwxgy[

38

e) kwiem r`Ky jwx vwly G`to-G`t bkwieAw ivc hox vwlI qbdIlI bwry

30 idn pihlW d`isAw jwvygw[ ies sUcnw imAwd dOrwn quhwfy qoN

G`t qoN G`t bkwey leI koeI Krc nhI ilAw jwvygw[

7.5 Krcy

cY~k bu`kW jwrI krn, KwiqAW dI vDIk/fuplIkyt ivvrxW, fuplIkyt pws

bu`k, Adw kIqy cYkW dIAW nklW, PolIE KricAW, fYibt kwrf, ey

tI AYm kwrf, hsqwKrW dI qsdIk, nwkw/I bkwey leI cY~kW dI

vwpsI, Kwqy dI iksm jW AwdyS iv`c qbdIlI, AdwiegI rokxw,

aunHW bwry sQweI hdwieqW/r`d krn Awid leI ivSyS KricAW nMU

swfI tYirP AnusUcI iv`c Swml kIqw jwvygw[ id`qIAW geIAW

irAwieqW jW rwhq nMU irAwieq/ rwhq dI jwiez rihx dI mUl

imAwd dOrwn vwps nhIN ilAw jwvygw (ikrpw krky aukq pYrw 3.3

dyKo [

7.6 imAwdI jmWH

7.6.1 jmWH dw nvIkrn

a) AsIN drKwsq Pwrm ivc quhwfy qoN inrdyS p@wpq krWgy ik

mYicaUrtI ‟qy quhwfI jmWH rkm dI ifspojl ikvyN krnI hY[

A) mYicaurtI ‟qy ifpwizt dI ifspozl bwry koeI inrdyS nw hox dI

sUrq ivc AsIN smyN qoN pihlW quhwnUM mYicqUrtI dI imqI bwry

p`qr/myl/AYs AYm AYs rwhIN sUicq krWgy[

e) AsIN ifpwizt dy nvInIkrn dI sUrq ivc ivAwj drW dI nIqI

bwry d`sWgy[

39

7.6.2 imAwdI jmWH nUM smyN qoN pihlW k`Fvwauxw

AsIN

e) mYicaurtI qoN pihlW imAwdI jmWH dI vwpsI leI p@ik@Aw bwry sUicq

krWgy[

A) imAwdI jmWH nUM smyN qoN pihlW vwps lYx ‟qy ivAwj dr nIqI bwry

jwxkwrI dyvWgy[

7.6.3 EvrifaU imAwdI ifpwiztW dw nvInIkrn

AsIN quhwnMU lwgU hox vwlI ivAwj dr bwry d`sWgy jykr qusIN

puKqgI dI imqI auprMq ifpwiztW dw nvInIkrn krdy ho[

7.6.4 ifpwiztW p@qI pySgIAW

AsIN imAwdI ifpwiztW p@qI auplb`D krzy/EvrfrwPt dI shUlq

bwry d`sWgy[

7.7 stytmYNt

a) Awpxy Kwqy qy ies iv`c cYk ieMdrwjW dy pRbMD leI quhwfI shwieqw

leI AsIN quhwnMU lyKy dw mwisk ivvrx ByjWgy, jykr ieh aus Kwqy

jo quhwfy kol hY, leI auic`q nhIN hY (Aijhy Kwqy leI ij`Qy quhwfy

kol pws bu`k hY) jykr qusIN cwhuMdy ho qW AsIN eI-myl jW swfI

sur`iAq ieMtrnY`t bYNk syvwvW rwhIN quhwnMU ivvrx Byj skdy hW, pr

Srq ieh hY ik swfy kol AijhIAW shUlqW aupl`bD hox[

A) qusIN swnMU ieh kih skdy ho ik quhwnMU lyKy dy ivvrx Byjy jwx jo

ik Krcy dy Bugqwn ‟qy Aksr swDwrx qOr ‟qy swfy kol auplb`D

huMdy hn[ ies Krcy dw vyrvw tYirP AnusUcI iv`c id`qw jwvygw[

40

e) qusIN Awpxy AwKrI kuJ lYx-dyx kwauNtr ‟qy dyK skdy ho[ qusIN

lYx-dyx nMU ey tI AYm ‟qy jW Awpxy ieMtrnY~t Kwqy ivc vI dyK

skdy ho, ij`Qy AijhIAW shUlqW swfy kol sul`B hn[

7.8 kwrjhIx/gYr AkwrjSIlI Kwqy

AsIN:

a) quhwnMU aus smyN jdoN ik qusIN Awpxw Kwqw KolHdy ho, dsWgy ik quhwfy

Kwqy dy ikMny smyN q`k gYr kwrjSIl rihx ‟qy quhwfy Kwqy nMU

susq/AkwrjSIl Kwqy dI sRyxI iv`c r`iKAw jw skdw hY[ quhwnMU

quhwfy Kwqy nMU susq, gYr kwrjSIl jW ibnW dwAvy vwly vrgIkrx

iv`c Swml krn qoN iqMn mhIny pihlW sUicq kIqw jwvygw Aqy aunHW

dy is`itAW bwry vI d`isAw jwvygw[

A) jykr qusIN Kwqy nMU cwlU krnw cwhuMdy ho qW quhwnMU ApxweI jwx

vwlI ivDI bwry vI d`swgy[

e) AkwrjSIl Kwqy nUM muV cwlU krn leI quhwfy qoN koeI Krcw nhIN

lvWgy[

7.9 quhwfw &wqw bMd krnw

Awm hwlwqW ADIn AsIN quhwfy Kwqy nMU G`to-G`t 30 idnW dw noits dyx

qoN

ibnW bMd nhIN krWgy[ AijhIAW hwlqW bwry audwhrxW jo sDwrx nhIN,

iv`c

Kwqy nMU Anuicq rUp iv`c clwauxw Awid Swml hY[ Aijhy swry kysW iv`c

41

quhwfy pwsoN ieh mMg kIqI jwvygI ik quhwfy vloN pihlW hI jwrI cYkW leI

bdlvyN pRbMD kro Aqy Aijhy Kwqy ivcoN nvyN cYk jwrI krn qoN guryz kro[

7.10 pws krn dw kRm/augrwhI syvwvW

AsIN:

a) sQwnk dsqwvyjW Aqy stySn qoN bwhrly cY~kW leI pws krn dy kRm

bwry d`sWgy ijs ivc Aijhy vyrvy Swml hoxgy ik kulYkSn dsqwvyz

jmHW krvwaux auprMq qusIN kdoN rkm k`Fvw skdy ho Aqy swfI cY~k

kulYkSn nIqI Anuswr qusIN kdoN dyrI vwlw ivAwj pRwpq krn dy

h`kdwr ho, jo nIqI swfy vYbsweIt ‟qy sul`B hY Aqy jo ik SwKw iv`c

quhwfy mulwhjy leI vI sul`B hY[

A) quhwfy vloN mMgy jwx qoN pihlW hI dsqwvyzW dI augrwhI ivc hox

vwlI dyrI leI AwpxI cY~k augrwhI nIqI/muAwvzw nIqI dy Anuswr

quhwnUM muAwvzy dw Bugqwn krWgy[

e) vyrvw sul`B krvWvWgy, jykr lwgU hox vwlIAW SrqW Aqy p@qIbMDW

sihq AwaUtstySn cYkW leI AsIN qurMq kY@ift dI pySkyS krdy hW,

ijvyN ik aus sImw q`k kY@ift krnw ijs q`k quhwfy vloN dsqwvyz

jwrI kIqw igAw hY, Kwqy nUM sMqoSjnk FMg nwl sMcwlq krnw

Awid[

s) swfI cY~k augrwhux dI pRikRAw Anuswr quhwnMU fuplIkyt

cY~k/dsqwvyz pRwpq krn iv`c quhwfI shwieqw krWgy jykr quhwfy

vloN id`qw cY~k/dsqwvyz iBjvwaux smyN guMm ho jWdw hY[

h) quhwnMU auprokq jwxkwrI dyvWgy jdoN qusIN Awpxw Kwqw KolHdy ho Aqy

42

jdoN qusIN swnMU kihMdy ho[ jykr swfI nIqI ivc koeI qbdIlI hUMdI

hYqW soDI geI pwlsI nMU swfI vYbsweIt ‟qy Aqy swfIAW swrIAW

SwKwvW iv`c idKwieAw jwvygw[

7.11 ngdI lYx-dyx

a) ij`Qy quhwfw Kwqw brkrwr kIqw jWdw hY qy cY~k/nkdI pRwpq krWgy

qy kwauNtrW qy kYS dyvWgy[

A) AsIN Awr bI AweI dIAW hdwieqW Anuswr purwxy/P`ty hoey notW

Aqy/jW Coty isikAW dw vtWdrw AwpxIAW SwKwvW ‟qy krWgy[

e) AsIN quhwnMU quhwfy pYn leI kih skdy hW jykr inrDwrq rkm qoN

izAwdw dw lYx-dyx kIqw jWdw hY[

7.12 is`Dy fYibts qy sQweI hdwieqW-

AsIN :

a) Kwqw KolHx smyN quhwnMU d`sWgy ik ikvyN is`Dy fYibt/sQweI hdwieqW

kwrj krdIAW hn Aqy qusIN ikvyN aunHW dw irkwrf r`K/r`d kr skdy

ho Aqy aunHW nwl sbMiDq Krcy ikhVy hn[ KricAW dI vsUlI tYirP

AnusUcI jo ik smyN-smyN ‟qy soDI geI hY, Anuswr kIqI jwvygI[

A) Aijhy AwdySW jo ik quhwfy vloN is`Dy fYibts leI {ArQwq

ielYktRwink klIAirMg syvwvW (eI.sI.AYs)}leI id`qy gey hn Aqy

hor hdwieqW dI pwlxw krnI[ AwdyS dI pwlxw iv`c dyrI kwrn

mwlI nukswn jW vDIk lwgq dy is`ty vjoN AsIN bYk dI muAwvjw

nIqI Anuswr nukswn pUrqI krWgy jo ik swfI vYbsweIt ‟qy sul`B

43

hY[ jykr quhwfy Kwqy iv`c nw kwPI bkwey kwrn AwdyS nMU Aml iv`c

nhI ilAWdw jw skdw qW AsIN tYirP AnusUcI jo ik smyN-smyN ‟qy

soDI geI hY, dy Anuswr Krcy lwvWgy[

e) quhwfy lyKy nMU ivAwj smyq irPMf krWgy, ijvyN hI ieh inrDwrq ho

jWdw hY ik ies nMU gYrAiDkwrq qrIky nwl/glqI nwl quhwfy Kwqy

iv`coN fYibt kIqw igAw hY Aqy bYNkW dI muAwvzw nIqI Anuswr

quhwnMU muAwvzy dI pUrqI krnw[

7.13 AdwiegI rokx dI shUlq

AsIN :

a) quhwfy vloN jwrI kIqy gey cYkW dy sMbMD iv`c quhwfy pwsoN AdwiegI

bMd krn dIAW hdwieqW svIkwr krWgy[ quhwfIAW hdwieqW pRwpq

hox ‟qy AsIN qurMq phuMc rsId dyvWgy Aqy kwrvweI krWgy, pr Srq

ieh hY ik ieh cY~k swfy vloN pihlW hI pws nw kIqy gey hox[

A) tYirP AnusUcI iv`c koeI vI Krcw Swml kr skdy hW jo ik

AdwiegI bMd krn dIAW hdwieqW ‟qy kwrvweI leI lwey jw skdy

hn[

e) jykr cY~k dw Bugqwn AdwiegI bMd krn dIAW hdwieqW dI phuMc

rsId auprMq kIqw jWdw hY qW bYNk dI muAwvzw nIqI Anuswr quhwnMU

hrjwny dI pUrqI krWgy[

7.14 quhwfy vloN jwrI cY~k/fYibt hdwieqW

AsIN :

44

a) quhwfy Kwqy iv`coN Adw kIqy mUl cY~kW/fYibt hdwieqW nMU mUl rUp iv`c

jW aunHW dIAW nklW jW auqwirAW nMU, auNny smyN q`k r`KWgy ijvyN ik

kwnMUn Anuswr loVINdw hovy[

A) quhwnMU sbUq vjoN cY~k/fYibt hdwieqW jW aus dI nkl dyvWgy jd

q`k ik swfy kol irkwrf sul`B hn[ jykr quhwfy Kwqy ivcoN

Adw/fYibt kIqy cY~k bwry koeI JgVw hY, jykr iek swl dy smyN dy

AMdr bynqI kIqI jWdI hY qW koeI Krcw nhIN pwieAw jwvygw Aqy

iek swl dy smyN dy Kqm hox auprMq tYirP AnusUcI Anuswr Krcy

pwey jwxgy[

e) quhwnMU d`sWgy ik AsIN Ax Adw kIqy cY~kW Aqy imqI lMG cu`ky

(purwxy) cYkW dw inptwrw ikvyN krWgy[ AsIN Ax Adw kIqy vwps

Awey cY~kW leI vsUlI krWgy[ lgwey jwx vwly KricAW dy vyrivAW

nMU tYirP AnusUcI jo ik smyN-smyN ‟qy soDI geI hovy iv`c Swml kIqw

jwvygw[

7.15 SwKw bMd krnw/bdlI krnw

jykr AsIN AwpxI SwKw nMU bMd krn dI Xojnw bxwauNdy hW jW AsIN

AwpxI SwKw nMU ikqy hor iljWdy hW qW AsIN-

a) do mhIinAW dw noits dyvWgy, jykr quhwfy Kyqr ivc iksy bYNk dI

koeI hor SwKw nhIN hY jW AsIN quhwnMU bYikMg syvwvW sul`B krvwaux

ivc Asmr`Q hW[

A) hor mwmilAW ivc iek mhIny dw noits dyvWgy[

e) SwKw bRWc bdlI huMdI hY qW nvIN SwKw dI lokySn d`sWgy[

45

s) SwKw dy kMm dy smyN dI qbdIlI dI sUcnw dyvWgy[

7.16 im@qk Kwqw DwrkW dy dwAivAW dw inptwrw

AsIN im@qk Kwqw DwrkW dy KwiqAW dy inptwry leI suKwlI iv`DI aus

h`d q`k ApnwvWgy jo ik AYm AYs eIz ‟qy lwgU hovygI[ AsIN bYNk dI

gRwhkW

pRqI vcnb`Dqw dy aupbMDW dI pwlxw krWgy[

8. quhwfy &wiqAW dI suriKAw

8.1 sur`iKAq Aqy BrosyXog bYNikMg Aqy AdwiegI

pRxwlIAW

AsIN iek bYikMg pRxwlI vjoN sihXog dyvWgy qW ik qusIN sur`iKAq qy

BrosyXog bYNikMg Aqy AdwiegI pRxwlIAW nMU mwxo, ijnHW ‟qy qusIN

ivSvws kr

skdy ho[ AsIN ij`Qy loV hovygI sI sI tI vI lgwvWgy jo ik nyVlI

ingrwnI

leI sur`iKAw pRbMDW dy ih`sy vjoN hovygI[

8.2 swnMU hwlIAw jwxkwrI dyxw

ikRpw krky XkInI bxwE ik swnMU ijqnI jldI sMBv ho sky, AwpxI

inmn

qbdIlI bwry sUicq kro –

a) nW, ivDwn (BweIvwlW/fwierYktrw dI qbdIlI smyq)

46

A) pqw

e) Pon nM:

s) eI myl pqw (jykr auh Aijhw swDn hY, ijs ‟qy AsIN quhwfy nwl

g`lbwq kr skdy hW)

8.3 Awpxy Kwqy dw inrIKx krnw

a) AsIN ieh isPwrS krdy hW ik qusIN AwpxI stytmyNt jW pws bu`k dI

bkwiedw jWc kro[ jykr aus iv`c koeI ieMdrwj hY jo glq pRqIq

huMdw hY qW quhwnMU ijMnI jldI sMBv ho sky swnMU d`sxw cwhIdw hY qW

ik AsIN aus dI Cwx-bIx kr skIey[ is`Dy fYibtW dI bkwiedw jWc

Aqy sQweI hdwieqW quhwfI ieh XkInI bxwaux iv`c shwieqw

krngy ik rkm auDr jw rhI hY, ij`Qy qusIN ausnMU Byjxw cwhuMdy ho[

A) jykr qusIN Awpxy Kwqy iv`c iksy lYx-dyx dI jWc pVqwl krn dI

zrUrq smJdy ho qW quhwnMU swfy nwl sihXog dyxw cwhIdw hY Aqy

pulIs/hor jWc pVqwl eyjMsIAW nwl vI sihXog kro, jykr AsIN

aunHW nMU Swml krn dI loV smJdy hW[

8.4 iDAwn r`Kxw

quhwfy cY~kW, pws bu`k, kwrfW, ipMnW, sMkyqk SbdW Aqy hor sur`iKAw sUcnw

dI quhwfy vloN dyKBwl AiqAMq zrUrI hY, ijs nwl DoKbwjI nMU rokx

qy quhwfy KwiqAW nMU sur`iKAq r`Kx iv`c shwieqw imldI hY[ ikRpw

krky ieh XkInI

bxwE ik qusIN inmn id`qy mSvry dI pwlxw krdy ho-

a) nw kro :

47

1) AwpxI cY~k bu`k qy ey tI AYm/fYibt/krYift kwrfW nMU iek`Ty nw r`Ko[

2) KwlI cY~kW ‟qy hsqw&r nw kro qy aunHW nMU Awpxy kol nw r`Ko[

3) Awpxy ipMn, sMkyqk Sbd nw hor sur`iKAw sUcnw nMU nw ilKo jW

irkwrf nw kro[

4) iksy nMU Awpxy Kwqy dy vyrvy, sMkyqk Sbd, ipMn jW hor sur`iKAw

sUcnw nMU nw d`so[

A. hmySw :

1) jykr qusIN cY~k nMU fwk rwhIN Byjdy ho qW spSt rUp iv`c aus

ivAkqI dw nW ilKo ijsnMU cY~k dI AdwiegI kr rhy ho[ ies nwl

quhwnMU DoKybwjI nMU rokx iv`c shwieqw imlygI[ AsIN ieh isPwrS

krWgy ik qusIN Aijhy cY~kW nMU audwhrx vjoN ip`Cly pwsy kwrbn

pypr nwl ilKo qW ik kYimkl bdlIAW nMU roikAw jw sky[

2) jykr qusIN Awpxw ipMn bdldy ho qW Awpxy nvyN ipMn dI cox

iDAwn nwl kro[

3) Awpxy ipMn, sMkyqk Sbd qy hor sur`iKAw sUcnw nMU Xwd r`Ko Aqy

ilKqI sMcwr jykr koeI hovy qW aus nMU aus smyN nSt kr idE, ijauN

hI qusIN ausnMU pRwpq krdy ho[

4) Awpxy kwrf nMU AwpxI in`jI ihPwzq iv`c r`Kx leI vwzb kdm

cu`ko Aqy Awpxy ipMn, sMkyqk Sbd qy hor sur`iKAw sUcnw nMU hmySw

gupq r`Ko[

5) Awpxy kwrf dIAW rsIdW nMU sur`iKAq r`Ko qy aunHW nMU iDAwn nwl

Kurd- burd kro[

48

6) jykr qusIN iksy cY~k dI AdwiegI bYNk dy Kwqy iv`c krogy qW cY~k

‟qy Kwqw Dwrk dw nW (ey bI sI bYNk Kwqw – AYks vweI zYf) ilKo[

quhwnMU cY~k qy Axvrqy sQwn ‟qy lkIr iK~cxI cwhIdI hY qW ik

gYr-AiDkwrq ivAkqI vDIk nMbr jW nW Swml nw kr sky[

e) jykr quhwfI cY~k bu`k, jW ey tI AYm/fYibt/krYift kwrf guMm ho

igAw hY jW corI ho igAw hY jW koeI hor ivAkqI quhwfy ipMn jW hor

sur`iKAw sUcnw dI jwxkwrI r`Kdw hY qW quhwfy vloN swnMU sUicq kIqy

jwx ‟qy AsIN qurMq kwrvweI krWgy qW ik ienHW dI durvrqoN nMU

rokx dw Xqn kIqw jwvy[

s) ieh Aiq zrUrI hY ik qusIN swnMU ijMnI jldI ho sky, ieh d`so jykr

quhwnMU S`k hovy jW ieh pqw l`gy, ik quhwfI cY~k bu`k, kwrf guMm jw

corI jo igAw hY jW koeI hor ivAkqI quhwfw ipMn, sMkyqk Sbd jW

sur`iKAq sUcnw dI jwxkwrI r`Kdw hY[

h) qusIN guMmSudgI bwry Pon ‟qy swfy 24 GMty dy tol /rI nMbr ‟qy jo

quhwnMU id`qw igAw hY, d`s skdy ho Aqy ausdI ilKqI puStI bwry

qurMq d`s skdy ho[ nhIN qW qusIN swnMU eI myl rwhIN aus pqy ‟qy

mSvrW dy skdy ho ik AsIN quhwnMU ies mMqv leI id`qw hY[

k) swnUM sUicq kIqy jwx qoN pihlW dI imAwd dOrwn durvrqoN leI qusIN

hI ijMmyvwr hovogy[

8.5 ieMtrnYt` bYNikMg

jdo q`k qusIN swDwrx iehiqAwq lYNdy ho – Awn lweIn bYNikMg sur`iKAq

Aqy suivDwjnk hY[

ikRpw krky ieh XkInI bxwE ik qusIN hyTW id`qy mSvry dw AnuSrx kro-

49

a) swfI ieMtrnY`t bYNk sweIt ‟qy is`Dy AwE[ sweIt q`k iksy hor sMprk

rwhIN jW eI myl rwhIN phuMc qoN prhyz kro Aqy DoKybwj vYbsweItW qoN

bcx leI pRdriSq kIqy Kyqr dy nW dI pVqwl kro[

A) quhwfy pwsoN sMkyqk Sbd jW ipMn p`uCx vwlI eI myl ‟qy gOr nw kro

Aqy swnMU aus bwry sUicq kro qW ik AsIN ausdI jWc pVqwl kr

skIey[ nw hI puils qy nw hI AsIN ieh p`uCx leI quhwfy nwl

sMprk krWgy ik qusIN Awpxw Awn lweIn bYikMg jW AdwiegI kwrf

ipMn jW sMkyqk Sbd dI sUcnw idE[

e) AsIN quhwnMU ieh mSvrw dyvWgy ik swfI ieMtrnY`t bYikMg sweIt ‟qy

puhMc leI sweIbr kY/y/SyArf pI sIz dI vrqoN nw kro[

s) AsIN quhwnMU ieh mSvrw idMdy hW ik Awpxy pI sI nMU bwkwiedw

hwlIAw AYNtI vwiers Aqy spweI vyAr swPtvyAr nwl AwDuink

bxwE[ qusIN hYkrz, vwiers hmilAW jW BYVy “trozn hOrs”,

pRogrwmW qo bcx leI sur`iKAw pRogrwm lgwE[ ieMtrnY`t ‟qy

bwhrilAW qoN Awpxy pI sI Aqy iesdy kMtYNts nMU bcwaux leI

kMipaUtr iv`c F`ukvIN Pwiervwl lgwaux dI isPwrS kIqI jWdI hY[

h) Awpxy Awpy@itMg isstm iv`c “PweIl Aqy ipRitMg SyAirMg” ivSySqw

nMU nkwrw r`Ko[

k) jdoN vrqoN iv`c nw hovy qW Awpxy pI sI nMU lOg AwP kro[

K) Awpxy AweI fI/ipMn nMU ieMtrnY`t AYksplorr bRwaUzr ivc stor nw

kro[

g) Awpxy Kwqy Aqy lYx dyx dy vyrvy dI bkwiedw jWc kro[

G) swfy mSvry nMU Apnwau-swfI vYbsweIt Awm krky iek cMgw sQwn hY ijnHW qoN ieh shwieqw Aqy syD pRwpq kIqI jw skdI hY ik Awn lweIn ikvyN sur`iKAq rihxw hY[

50

8.6 AdwiegIAW r`d krnw

jykr qusIN AijhI AdwiegI jW AdwiegIAW dI lVI nMU r`d krnw

cwhuMdy ho ijs bwry qusIN AiDkwrq kIqw hY, qW quhwnMU inmn krnw

cwhIdw hY-

a) iksy cY~k dI AdwiegI rokx jW id`qI geI sQweI hdwieq nMU jW

is`Dy fYibt nMU r`d krn leI quhwnMU inScY hI swnMU ilKq rUp iv`c

d`sxw cwhIdw hY[

A) iksy is`Dy fYibt nUM r`d krn leI qusIN swnMU sUicq kro[ AsIN ieh

isPwrS krdy hW ik qusIN is`Dy fYibt dy AwrMBkrqw nMU vI sUicq kry[

e) jykr qusIN r`d krn bwry Awpxy PYsly dw noits nhIN idMdy qW

AdwiegIAW nMU r`d krnw sMBv nhIN ho skdw[

8.7 nukswnW leI dyxdwrI

a) jykr qusIN DoKybwjI nwl kwrvweI krdy ho qW quhwfy kwrn hox vwly

swry nukswnW leI qusIN Kud izMmyvwr hovygy[

A) jykr qusIN vwzb iDAwn qoN ibnW kwrvweI krdy ho qy ies nwl

nukswn huMdy hn qW aus leI qusIN Kud izMmyvwr ho skdy ho[

e) jykr qusIN DoKybwjI nwl jW ibnW auic`q iDAwn dy kwrvweI qW nhIN

kIqI qW quhwfy kwrf dI durvrqoN leI quhwfy izMmyvwrI aus rkm

q`k sImq hovygI jo ik kwrf jwrI kIqy jwx qy lwgU hox vwlIAW

SrqW Aqy p@qIbMDW iv`c inrDwrq hY[

51

s) qusIN Awpxy ipMn dy guMm hox jW Awpxy sMkyqk Sbd nMU jW hor

su`rIKAq sUcnw nMU jo&m iv`c pwauNdy ho qW qusIN aus smyN q`k

durvrqoN dy leI dyxdwr hovogy j`d q`k ik swnMU sUicq nhIN kIqw

jWdw qy AsIN durvrqoN nMU rokx dw Xqn nhIN krdy[

9. syvwvW

9.1 ivdySI m`udrw syvwvW

a) jdoN qusIN koeI ivdySI mudrw KrIddy jW vycdy ho qW AsIN syvwvW,

vtWdrw dr dy vyrivAW Aqy hor KricAW jo ik ivdySI mudrw vtWdry

‟qy lwgU huMdy hn, bwry jwxkwrI dyvWgy[ jykr Aijhw sMBv nhIN

huMdw qW AsIN quhwnMU ieh d`sWgy ik ienHW dI igxqI ikvyN kIqI

jwxI hY[

A) jykr qusIN rkm nMU ivdyS iv`c Byjxw cwhuMdy ho, AsIN quhwnMU d`sWgy

ik Aijhw ikvyN krnw hY Aqy

1) jdoN quhwfy vloN bynqI kIqI jWdI hY qW quhwnMU ivinXmk loVW jW

SrqW bwry syD dyvWgy[

2) quhwnMU syvwvW dw vyrvw dyvWgy Aqy aunHW dI vrqoN ikvyN krnI hY[

3) quhwnMU vyrvy dyvWgy ik quhwfy vloN ivdyS ByjI geI rkm auQy kdoN

pu`jygI Aqy dyrIAW jykr koeI hox qW aunHW dy kwrn d`sy jwxgy[

4) ivdySI krMsI dI bdlI krn smyN lwgU vtWdrw dr dyvWgy (jykr lYx dyx smyN Aijhw krnw sMBv nhIN huMdw, qW AsIN quhwnMU bwAd iv`c d`sWgy ik dr kI hY)

5) iksy kimSn jW KricAW dy vyrvy dyvWgy, ijnHW dI AdwiegI quhwnMU krnI pvygI Aqy ieh cyqwvnI vI ik jo ivAkqI rkm pRwpq kr irhw hY aus nMU vI ivdySI bYNk dy Krcy dyxy pYxgy[

52

6) quhwnMU ieh d`sWgy ik ivdyS iv`c AdwiegI krn leI quhwfy vloN

id`qI geI jwxkwrI kw/I hY jW nhI[ iksy AMqr dI sUrq iv`c jW

ADUry dsqwvzjW dy mwmly iv`c, AsIN quhwnMU qurMq mSvrw dyvWgy

Aqy ausnMU drusq krn/mukMml krn iv`c quhwfI shwieqw krWgy[

e) dyS AMdr rkm iBjvwaux leI AsIN-

1) jykr ivdyS qoN quhwfy bYNk Kwqy iv`c rkm trWsPr kIqI jWdI hY qW

quhwnMU pRwpq kIqI mUl rkm ‟qy Krcy, jykr koeI hox, jo lgwey gey

hox, dy bwry sUicq krWgy[ jykr Byjx vwlw sB KricAW dI

AdwiegI leI sihmq ho jWdw hY qW AsIN rkm nMU quhwfy Kwqy ivc

pwaux leI koeI Krcy nhI lvWgy[

2) jykr rkm nMU jmHW krn dI bxdI imqI qoN bwAd rkm nMU jmHW

krvwieAw jWdw hY qW quhwnMU muAwvjw dyvWgy[ a) AdwiegI leI

bxdI imqI qoN bwAd vwly smyN leI iksy ivAwj kwrn hox vwlw

nukswn[ A) PorYks dr dI pRqIkUl gqIivDI kwrn bYNk dI muAwvzw

nIqI Anuswr muAwvzw jo ik swfI vYbsweIt qy sulB hY[

s) AsIN ivinXmk/kwnMUnI hdwieqW ADIn jwrI kIqy jwx vwly loVINdy

swry srtIiPkytW nMU mu/q jwrI krWgy[

9.2 Bwrq AMdr rkm iBjvwauxw

jykr qusIN Bwrq AMdr rkm iBjvwauxw cwhuMdy ho qW AsIN quhwnMU ieh

sUicq

krWgy ik ieh ikvyN iBjvwauxI hY Aqy inmn vyrvw vI dyvWgw-

a) syvwvW dw vyrvW dyvWgy qy aunHW dI vrqoN krn bwry d`sWgy[

53

A) quhwnMU rkm iBjvwaux dy auq`m qrIky dw suJwE dyvWgy jo quhwfIAW

loVW Anuswr Fu`kvW hovy[

e) kmISn smyq swry KricAW dy vyrvy dyvWgy ijnHW dI AdwiegI

mihsUl sUcI jo ik smyN-smyN ‟qy soDI geI hY, dy Anuswr quhwnMU krnI

pvygI[

s) quhwfy vloN mMg kIqy jwx qoN pihlW hI iksy dyrI dI sUrq iv`c

quhwnMU quhwfy vloN auTwey gey nukswn/vDIk KricAW leI bYNk dI

nIqI Anuswr muAwvzw dyvWgy[

10. iSkwieqw, ros Aqy PIfbYk

10.1 AMdrUnI ivDIAW:

a) jykr qusIN koeI iSkwieq krnI cwhuMdy ho qW AsIN quhwnMU ieh d`sWgy-

1) Aijhw ikvyN krnw hY[

2) koeI iSkwieq ik`Qy kIqI jw skdI hY[

3) jvwb dI kdoN aumId krnI hY[

4) inptwry leI iks q`k phuMc krnI hY[

5) jykr qusIN id`qy gey PYsly qoN KuS nhIN ho qW kI krnw cwhIdw hY[

A) jykr quhwfy kol koeI pRSn hn qW swfw stwP quhwfI shwieqw

krygw[

e) AsIN quhwnMU d`sWgy ik iSkwieqW nMU auic`q rUp iv`c Aqy CyqI

inptwaux leI swfIivDI dy vyrvy ik`Qy iml skdy hn[ AsIN AwpxI

vYbsweIt ‟qy swfI iSkwieq invwrx nIqI vI pyS krWgy[

s) AsIN AwpxI SwKw ivc aus AiDkwrI dw nW p@drSq krWgy ijs nwl

koeI iSkwieq hox dI sUrq ivc sMprk kIqw jw skdw hY[ jykr

54

SwKw p`Dr ‟qy quhwfI iSkwieq dw inptwrw nhIN huMdw hY qW qusIN

SwKw ivc p@kwiSq pqy ‟qy swfy KyqrI p@bMDk/zonl p@bMDk nwl

sMprk kr skdy ho[

h) jykr quhwfI iSkwieq ilKqI rUp iv`c pRwpq hoeI hY qW AsIN quhwnMU

iek h/qy dy AMdr-AMdr phuMc rsId/a~uqr Byjx dw Xqn krWgy[

jykr quhwfI iSkwieq swfy inrDwrq tYlIPon shwieqw fYsk jW

gRwhk syvw nMbr ‟qy ByjI geI hY qW AsIN quhwnMU iSkwieq hvwlw

nMbr dyvWgy Aqy quhwnMU pRgqI bwr auic`q smyN dy AMdr-AMdr sUicq

krWgy[

k) mwmly dI GoK krn auprMq AsIN quhwnMU Awpxw AMiqm jvwb ByjWgy

jW ieh d`sWgy ik swnMU jvwb dyx leI v`D smyN dI loV ikauN hY Aqy

quhwfI iSkwieq dI pRwpqI dy 30 idnW dy AMdr-AMdr Aijhw krn

dw Xqn krWgy Aqy quhwnMU d`sWgy ik jykr qusIN Ajy vI sMquSt

nhIN ho qW AwpxI iSkwieq nMU ikvyN A`gy iljwxw hY[

10.2 bYNikMg lokpwl skIm

a) AsIN AwpxI vYbsweIt Aqy AwpxIAW swrIAW SwKwvW iv`c iek

noits lgwvWgy ijs iv`c ieh d`isAw jwvygw ik AsIN BwrqI irzrv

bYNk dI bYikMg lokpwl skIm 2006 ADIn Awaudy hW[ iesdI nkl

ibnY pRwpq hox ‟qy mwmUlI Krcy ‟qy sul`B krvweI jwvygI[

A) swfy kol iSkwieq drz krvwaux dy 30 idnW dy AMdr-AMdr jykr

quhwnMU swfy pwsoN koeI qs`lIbKS jvwb nhIN imldw Aqy jykr qusIN

iSkwieqW nMU dUr krvwaux leI hor qrIky Apnwauxy cwhuMdy ho qW

qusIN BwrqI irzrv bYNk vloN bYikMg lokpwl skIm 2006 ADIn

inXukq bYikMg lokpwl kol phuMc kr skdy ho[ bYNikMg lokpwl skIm

55

dIAW mu`K ivSySqwvW nMU SwKw noits borfW ‟qy lwieAw igAw hY Aqy

skIm nMU vI swfI vYbsweIt ‟qy pRdriSq kIqw igAw hY[ ies sbMD

iv`c swfw stwP p@ik@Aw bwry d`sygw[

10.3 AsIN kof Aqy g@whk sMquStI dIAW ivvsQwvW nMU lwgU krn dy

p`Dr dw inrDwrx krn vwsqy g@whk sMquStI Awift dI p@xwlI

leI ihdwieq jwrI krWgy[

11. ieSiqhwrbwjI, mwrkIitNg Aqy ivkrIAW

a) AsIN ieh XkInI bxwvWgy ik swrI ieSiqhwrbwzI Aqy auqSwh

vrDk sm`grI spSt hY qy guMmrwh krn vwlI nhIN hY[

A) iksy mIfIAw Aqy poRmoSnl swihq iv`c ivigAwpn dyx leI jo ik

bYikMg syvw jW auqpwd v`l iDAwn iK`cdw hY Aqy ijs iv`c ivAwj

dr bwry koeI hvwlw Swml hY, AsIN ieh vI d`sWgy ik kI hor PIs qy

Krcy lwgU hoxgy jW nhIN Aqy sbMiDq SrqW qy p@qIbMDW dy pUry vyrvy

ibnY p`qr pRwpq hox ‟qy sul`B hn[

h) AsIN smyN-smyN ‟qy quhwnMU ieh d`s skdy hW ik swfy auqpwdW ijnHW nUM

qusIN ilAw hY aunWH dIAW ivSySqwvW ikhVIAW hn[ swfy hor

auqpwdW/syvwvW dy sMbMD iv`c p@omoSonl pySkSW bwry jwxkwrI quhwnMU

qW hI id`qI jwvygI jykr qusIN AijhI sUcnw/syvw dI pRwpqI leI

fwk rwhIN jW ausnMU swfI vYbsweIt ‟qy rijstr krky jW

bYikMg/gRwhk syvw nMbr ‟qy Pon krky id`qI hY[

e) jykr AsIN qIjIAW iDrW dIAW syvwvW nMU pRwpq krdy hW qW AsIN

56

ieh krWgy ik AijhIAW qIjIAW iDrW quhwfI in`jI qy vpwrk sUcnw

nwl (jykr koeI AijhI qIjI iDr kol aupl`bD hovy) auNnI hI

gupqqw Aqy sur`iKAw nwl nij`Tx ijvyN ik AsIN krdy hW[

s) AsIN ieh XkInI krWgy ik koeI vI qIsrI iDr jW eyjMt joik swfI

qrPoN kMm kr irhw hY jW swfy auqpwd nUM vyc irhw hY, auh kof vloN

kvr kIqy swry aupdwqW Aqy syvwvW dy sMbMD ivc kof dI pwlxw

kry[

k) AsIN AwpxIAW is`DIAW ivkrI eyjMsIAW (fI AYs eyz) leI iek kof

inrDwirq kIqw hY, ijnHW dIAW syvwvW AsIN Awpxy auqpwdW/syvwvW

dI mwrkIitNg leI kr skdy hW, jdoN auh swfy auqpwdW nMU vycx

leI in`jI qOr ‟qy quhwfy kol AwauNdy hn jW Pon rwhIN sMprk krdy

hn qW aunWH dI pCwx nUM XkInI kIqw jwvy[

K) quhwfy pwsoN koeI iSkwieq pRwpq hox qy ik swfy pRqIin`DI/korIAr jW fI AYs ey ny ies kof dI aulMGxw krdy joey koeI Anuicq ivauhwr jW kwrvweI kIqI hY qW AsIN quhwfy vloN mMg kIqy jwx qoN pihlW hI swfI muAwvzw nIqI dy AnUrUp jWc pVqwl krn leI auic`q kdm cukWgy qy iSkwieq dw inptwrw krWgy Aqy quhwfy nukswn dI pUrqI krWgy[

12. inrIKx

bYNikMg kofz AYNf stYNfrz borf AwP ieMfIAw kof dw inrIKx krdw hY[ sMprk dy vyrvy inmn Anuswr hn:

dw bYNikMg kofj AYNf stYNfrj borf AwP ieMfIAw, irzrv bYNk AwP ieMfIAw iblifMg, sI-7 cOQI mMizl, bWdrw kurlw kMplYks, muMbeI-400051 Pon : 022-26573715 PYks : 022-26573719 eI. myl : help.bcsbi@rbi.org.in vYbsweIt : www.bcsbi.org.in

57

13. shwieqw pRwpq krnw

jykr qusIN kof bwry koeI p`uC pVqwl krnI hY, qW quhwnMU swfy nwl swfy

inrDwirq tYlIPon hYlp fYsk jW gRwhk syvw nMbr ‟qy swfy nwl sMprk

krnw cwhIdw hY jW inmn pqy qy ieMfIAn bYNks AYsosIeySn nwl

sMprk krnw cwhIdw hY:

ieMfIAn bYNks AYsosIeySn

sYNtr 1: vlf tryf sYNtr, kUPI pYryf, muMbeI– 400-005

Pon : 022-22174040

PYks: 022-22184222

vYbsweIt : www.iba.org.in

jW hyT id`qy pqy ‟qy bYikMg kofj AYNf stYfrz borf AwP ieMfIAw nwl

sMprk kro[

irzrv bYNk AwP ieMfIAw iblifMg

sI-7 cOQI mMizl, bWdrw kurlw kMplYks, muMbeI-400051

Pon : 022-26573724/26573371 PYks : 022-26573719

eI. myl : help.bcsbi@rbi.org.in vYbsweIt : www.bcsbi.org.in

13.1 AsIN AwpxIAW swrIAW SwKwvW iv`c Aqy AwpxI vYbsweIt ‟qy noits

lgwvWgy ijnHW iv`c ieh d`isAw jwvygw ik kof dIAW kwpIAW sul`B hn

Aqy qusIN iesdI iek kwpI ikvyN pRwpq kr skdy ho Aqy bynqI pRwpq hox

‟qy AsIN quhwnMU ausdI kwpI sul`B krWgy[

58

14. kof dI muV smIiKAw

ies kof dI muV smIiKAw do swlW dy smyN dy AMdr kIqI jwvygI[ ieh

smIiKAw pwrdrSI qrIky nwl kIqI jwvygI[

Anul`g : glwsrI

ey tI AYm

svYcwlq tYlr mSIn iek AijhI mSIn hY ijs ivcoN koeI gRwhk nkdI

k`Fvwayx, sUcnw qy hor syvwvW pRwpq krn leI ipMn nwl Awpxy kwrf

dI vrqoN kr skdw hY[

bYNk gwrMtI

bYNk gwrMtI Awpxy gRwhk dI qrPoN qIjI iDr nwl gwrMtI fIf iv`c vrinq

rkm dI AdwiegI leI iek vwiedw hY, jykr gRwhk aus dyxdwrI nMU

inBwaux iv`c AsPl rihMdw hY, ijs dw vrxn fIf iv`c kIqw igAw

hovy[

bYNikMg lokpwl

bYNikMg lokpwl iek v`KrI ivvwd inptwrw eyjMsI hY ijsdI sQwpnw irzrv

bYNk AwP ieMfIAw vloN inridSt bYNikMg syvwvW ivc kmI p@qI g@whk dIAW

iSkwieqW dw inptwrw krn leI kIqI geI hY[

59

ib`l

ib`l mwlI, smJOqyXog dsqwvyz hn ijvyN ik ibl AwP AYkscyNj jW

p@omIzrI not ibl AwP AYkscyNj iksy ivkryqw vloN Awpxy KrIdwr nMU jwrI

kIqw jWdw hY ijs iv`c aus nMU hdwieq kIqI jWdI hY ik auh splweI

kIqIAW vsqW/kIqIAW syvwvW leI AdwiegI kry[ po@imzrI not dy rUp iv`c

ibl iksy KrIdwr vloN Awpxy ivkryqw nMU id`qw jWdw hY, ijs iv`c pRwpq

kIqIAW vsqW/kIqIAW geIAW syvwvW leI AdwiegI krn dI izMmyvwrI

leI jWdI hY[

ibl KrId/ktOqI

ib`l KrId/ktOqI Aijhy swDn ijnWH nwl vsqW dy ivkrwqw nUM kY@ift

id`qw jWdw hY, ijs ny ib`l AwP AYkscyNj dI mMg/ivAwz Bugqwn kIqw

hY[ ifmWf ib`l KrIdy jWdy hn qy ivAwj ib`lW nwl ktOqI kIqI jWdI hY[

kwrf

kwrf iksy plwsitk dy kwrf leI vriqAw Awm Sbd hY, ijsdI vrqoN

gRwhk, vsqW qy syvwvW dI AdwiegI jW kYS kFvwaux leI kr skdw hY[

ies kof iv`c ey tI AYm/smwrt/fYibt/krYift kwrf Swml hn[

kYS krYift/Evr frwPt

kYS krYift/Evr frwPt, krzw shUlq dw iek rUp hY ijs iv`c iksy

krzdwr nMU pUrv-pRbMD vwlI h`d qk mnjUrI id`qI jWdI hY qy aus nMU ieh

Ku`lH huMdI hY ik auMnI rkm dw krzw lY skdw hY ijMnI ik ausnMU loV hovy[

60

Kwqy iv`c rkm jmHW krn dy mwmly iv`c auh mMzUr sImw q`k nvyN isry qoN

rkm k`Fvw skdw hY[ ies pRkwr h`dbMdI krzy dI GuMmdI ryKw dw kMm

krdI hY[ bYNk KVHy bkwieAw ‟qy ivAwj dI vsUlI krdw hY[

kYS dy nukswn

kYS dy nukswn dw Bwv GsweI ivcoN S`uD hwnIAW nUM Gtwaux qoN hY[

cYk augrwhI nIqI

cYk augrwhI nIqI AijhI nIqI nwl sbMiDq hY jo ik iksy bYNk vloN v`K-

v~K sQwnk Aqy bwhrly sQwnW dy cY`kW Aqy dsqwvyzW dy sbMD iv`c

ApnweI jWdI hY jo ik iksy Kwqy iv`c jmHW krn leI bYNk kol jmHW

krvwey jWdy hn[ nIqI inmn nwl vI sbMiDq hY-

cY~k KrId leI ibnY-p`qr

cY~kW dy krYift leI smW sImw

cY~kW dI augrwhI iv`c dyrI hox dy mwmly iv`c ivAwj dI AdwiegI

sQwnk Aqy bwhrly cY~kW nMU qurMq krYift krnw[

trWizt dOrwn guMm hox vwly cY~k dsqwvyz[

muAwvzw nIqI

muAwvzw nIqI AijhI nIqI nwl sbMiDq hY jo ik bYNk vloN glqI jW kIqy

gey kMmW dy kwrn aunHW (gRwhkW) nMU hox vwly mwlI nukswn dw muAwvzw

dyx leI bYNk vloN ApnweI jWdI hY[

61

krzw shUlqW/bYNk krzy

bYNk pwsoN krzw shUlqW imAwdI krzy jW EvrfrwPt jW ngdI krzy dy

rUp iv`c ho skdIAW hn jo ik bYNk vloN Awpxy gRwhk nMU inrDwrq smyN

leI id`qI jWdI hY Aqy aus pwsoN KVy bkwieAw leI ivAwj dI vsUlI

kIqI jWdI hY[

krzw sUcnw kMpnIAW (sI AweI sI z)

krzw sUcnw kMpnI dw Bwv iek krzw sUcnw kMpnI hY jo ik kMpnIz

AYkt, 1956 ADIn bxweI qy rijstrf kIqI jWdI hY, ijsnMU irzrv bYNk

vloN rijstRySn dw srtIiPkyt id`qw jWdw hY[ ienW kMpnIAW nUM aunW krzw

sMsQwvW qoN krzy dw fwtw ie`kTw krn dI SkqI p@wpq hUMdI hY jo ik ies

dy mYNbr hn Aqy ieh Awpxy mYNbrW qy ivSys XUzrW nUM ivSlySx qoN bwAd

fwtw vMf idMdIAW hn[

cwlU Kwqw

ieh ifmWf ifpwizt dw iek rUp hY ijs ivcoN keI vwrI rkm k`Fvwaux

dI Awig`Aw id`qI jWdI hY jo ik Kwqy iv`c bkwey jW ivSys sihmqI vwlI

rkm ‟qy inrBr huMdw hY[

gRwhk

iek AYm AYm eI jW ausdw AiDkwrq numwieMdw, ijs dw bYNk iv`c Kwqw hY

jW jo bYNk pwsoN hor auqpwd/syvwvW pRwpq krdw hY[

62

im@qrW dw Kwqw

im@qrW dw Kwqw iek ifpwizt Kwqw hY ijs iv`c jW qW iek`lw Kwqw Dwrk

mr jWdw hY jW sWJy KwiqAW dy kys iv`c iek jW iek nwloN v`D sWJy Kwqw

Dwrk/mr jWdy hn[

fImYt Kwqw

koeI fImYt Kwqw iksy ABOiqk Kwqy nwl sbMiDq hY Aqy iek Aijhw Kwqw

hY ijs iv`c invySkwrW dy stwk ielYktRwink rUp iv`c r`Ky jWdy hn[

ifpwizt Kwqy

“bcq ifpwiztW” dw Bwv mMg ifpwizt dw iek rUp hY jo ik

pwbMdIAW

dy ADIn hY ik ikMnI vwrI rkm k`FvweI jWdI hY Aqy k`FvweI jwx

vwlI rkm ijsdI Awig`Aw bYNk vloN iksy inrDwrq smyN dOrwn id`qI

jWdI hY[

“imAwdI ifpwizt” dw Bwv iek Aijhw ifpwizt hY jo ik bYNk vloN

inrDwrq smyN leI pRwpq kIqw jWdw hY, ijsnMU inrDwrq smyN dy

Kqm hox auprMq hI k`FvwieAw jw skdw hY Aqy ies iv`c Aijhy

ifpwizt Swml huMdy hn ijvyN ik Awvrqk/sMKyp ifpwizt/iPksf

ifpwizt/mwisk Awmdn srtIiPkyt/iqmwhI Awmdn srtIiPkyt Awid[

“noits ifpwizt” dw Bwv ivSyS smyN leI imAwdI ifpwijt hY pr

ijsnMU G`toN-G`t iek sMpUrn bYNikMg idn dw noits dy ky k`FvwieAw

jw skdw hY[

63

ielYktRwink klIAirMg syvw

ielYktRwink klIAirMg syvw (eI sI AYs) iek AwnlweIn sMcwr pRxwlI hY

jo ik bYkW/SwKwvW vloN svY cwlq klIAirMg hwaUs (ey sI AYc) nMU sMcwr

nYt`vrk rwhIN AdwiegI dI sUcnw ielYktRink sMcwr rwhIN dyx dI AwigAw

idMdI hY[

ielYktRwink PMf trWsPr

ielYktRwink PMf trWsPr dI skIm Awr bI AweI ny gRwhk dI shUlq leI

bxweI hY, ijs rwhIN iek Kwqy qoN dUjy Kwqy Aqy iek bYk qoN dUjy bYNk, iek

QW qoN dUjI QW iv`c PMf bdl skdy hW, ijQy ik eI AYP tI syvw sul`B hY[

iekivtI

iekivtI dw Bwv iksy kwrporyt Adwry dI pUMjI dw ih`sw hY, ijs dI

qrzmwnI kMpnI dy SyArW rwhIN kIqI jWdI hY BwvyN ieh BOiqk rUp ivc jW

ifmYtIrIAlweIzf rUp iv`c hox[

PYktirMg

PYktirMg pRwpqI XogW dy pRbMD leI iek mwlI ivklp hY[ ieh krYift

ivkrIAW dI kYS ivc qbdIlI hY[

srkwrI bWf

srkwrI bWf dw Bwv iek sikauirtI hY, jo ik srkwrI krzw lYx leI

kyNdrI jW rwj srkwr vloN isrjI Aqy jwrI kIqI jWdI hY[

64

gwrMtI

iksy ivAkqI vloN kIqw igAw vwiedw[

Kwqy nUM Anuicq rUp ivc clwaUxw

Kwqy ivc auicq bYlMs nw hox ‟qy vI cY~k jwrI krnw, Kwqy ivc

ienvrf/AwaUtvrf cY~kW dI vwr-vwr vwpsI, Kwqw Evr f@wA dI siQqI

rihxw jW Kwqw Dwrk mMzUrSudw krzw sImw qoN aupr clw jWdw hY, ky vweI

sI p@ik@Aw dI aulMGxw krnw, g@whk vloN p@drSq kIqI jwx vwlI DoKw

DVI jW DoKw DVI dI rUcI, pI AYm AYl ey AYkt, 2002 dy skop dy qihq

mnI lwaUNfirMg dI srgrmI ivc Swml hox/S`kI lYx-dyx Awid Kwqy nUM

Anuicq rUp ivc clwaUx dIAW imswlW hn[

krzy dw p`qr

krzy dw p`qr iek dsqwvyz hY jo bYNk vloN jwrI kIqw jWdw hY, jo Awm

krky lwB pwqr nMU dsqwvyj nUM pyS kIqy jwx ‟qy ijvyN ik krzy dy p`qr

iv`c vrinq kIqw igAw hY, AdwiegI leI nw r`d krn Xog iekrwr idMdw

hY[

fwk

fwk, iek BOiqk qy ielYktRwink rUp iv`c iek p`qr hY[

mrcYNt syvwvW

mrcYNt syvwvW Awm krkyy mrcYNt KwiqAW nwl sMbMiDq hn jo ik vpwrk qy

srivs AdwirAW nMU krYift/fYibt kwrfW rwhIN AdwiegI dI svIikRqI dI

65

AwigAw idMdIAW hn[ kwrfW nMU kwrf trmInlW ArQwq pUAwieMt AwP syl

(pI E AYs) mSInW rwhIN Pon jW ieMtrnY`t rwhIN kwauNtr ‟qy pRwpq kIqw

jWdw hY[

Coty qy lGU audm

syvwvW p~dwn krn jW inrmwn kMm ivc l`gy Adwry Coty qy lGU au~dm

huMdy hn[

lGU au~dm dI pirBwSw ies pRkwr kIqI geI hY –

iek au~dm jo ik iksy vI audXog dy sMbMD iv`c vsqW dy inrmwx jW

auqpwdn iv`c l`gw hoieAw hY, ij`Qy plWt Aqy mSInrI iv`c invyS ru. 25

l`K nwloN v`D nhIN[

jW

koeI au~dm jo syvwvW dyx iv`c l`gw hoieAw hY, ij`Qy swz-smwn iv`c

invyS 10 l~K rupey nwloN v`D nhIN hY[

- iek Coty au~dm dI pirBwSw ies pRkwr kIqI geI hY

- iek au~dm jo ik iksy vI audXog dy sMbMD iv`c vsqW dy inrmwx jW

auqpwdn iv`c l`gw hoieAw hY, ij`Qy plWt Aqy mSInrI iv`c invyS 25

l`K rupey nwloN v`D hY, p@MqU 5 kroV qoN izAwdw nhIN[

jW

iek au~dm jo syvwvW sul`B krn iv`c l`gw hoieAw hY, ij`Qy swz-smwn

iv`c invyS 10 l`K rupey nwloN v`D hY, pM@qU 2 kroV qoN izAwdw nhIN[

66

nYSnl ielYktRwink PMf trWsPr

nYSnl ielYktRwink PMf trWsPr (AYn eI AYP tI) AijhI rwStr p`DrI PMf

trWsPr p@xwlI hY jo ik iek SwKw qoN dyS Br ivc iksy hor bYNk dI SwKw

ivc PMfW dI trWsPr ivc shwieqw krdI hY[

Su`D mu`l

Su`D mu`l dw Bwv pMUjI dI rkm qy mu/q irzrv qoN hY joik iek`Ty nukswn

ivcoN Gtwey hn[

nwmzdgI shUlq

nwmzdgI shUlq bYNk nUM ies Xog bxwauNdI hY ik im@qk jmHW krqw nMU aus

vloN nwmzd kIqy ivAkqI nUM ifpwizt dy krYift iv`c KVHI rkm dI

AdwiegI kry, nwmzd ivAkqI nMu im@qk ivAkqI vloN bYNk dI sur`iKAq

ihPwzq iv`c r`KIAW vsqW vwps kry, ikrwey ‟qy lYx vwly dy nwmzd

ivAkqI nMU ikrwey ‟qy lYx vwly ivAkqI dI mOq hox ‟qy syPtI lwkr

iv`c r`KIAW vsqW jwrI kry[

nwn-PMf AwDwirq shUlqW

nwn-PMf ‟qy AwDwirq AijhIAW shUlqW hn jo ik bYkW vloN id`qIAW jWdIAW hn jo ik bYNk iv`coN PMf k`Fx dI iejwzq nhIN idMdIAW, jdoN gRwhk shUlqW dw lwB auTwauNdw hY, pM@qU auh bwAd vwlI imqI nMU mwlI dyxdwrI dy rUp iv`c Tos bxwauNdw hY, jykr gRwhk ienHW shUlqW dw lwB auyTw ky vcnb~Dqw nMU pUrw krn leI AsPl rihMdw hY[ nwn PMf AwDwirq shUlqW Awm krky bYNk gwrMtIAW, svIikRqIAW qy lYtrz AwP krYift dy rUp iv`c id`qIAw jWdIAW hn[

67

nwn prPwrimMg Aswsy iek nwn prPwrimMg Aswsw (AYn pI ey) iek Aijhw krzw jwN pySgI hY ij`Qy-

1. imAwdI krzy dy sbMD iv`c ivAwj Aqy/jwN mUl rkm dI ikSq 90 idnwN nwloN v`D bkwieAw rih jwNdI hY[

2. Evr frwPt/kYS krzy (E fI/sI sI) dy sMbMD iv`c Kwqw “byqrqIb” rihMdw hY[

3. KrIdy gey jwN ifskwaUNt vwly ib`lwN dy mwmly ivc ib`l 90 idnwN qoN v`D smyN leI bkwieAw rihMdw hY[

AwrMBkrqw iek sMgTn jo gRwhk dIAwN hdwieqwN Anuswr gRwhk dy Kwqy iv`coN AdwiegIAwN pRwpq krdw hY[ hor sikauirtI sUcnw in`jI q`QwN Aqy sUcnw dI cox (aus kRm iv`c ijs bwry gRwhk jwxdw hY) ijs dI vrqoN KwiqAwN dI vrqoN smyN SnwKq leI kIqI jw skdI hY[ smwN pUgw cu`ky (purwxy) cY~k koeI cY~k ijs dI AdwiegI ies leI nhIN kIqI geI ikauNik cY~k ‟qy ilKI geI imqI auh imqI hY jo aus dy pyS kIqy jwx dy smyN iqMn mhIny pwr kr cu`kI hY[ „AwaUt AwP Awrfr‟ styts iksy vI Kwqy nUM „AwaUt AwP Awrfr‟ aus smyN mMinAw jw skdw hY j`d ik bkwieAw bYlMs mMzUrSudw sImw/pYsw k`FvwaUx dI SkqI qoN lgwqwr v`D rihMdw hY[ Aijhy mwmly ijnWH ivc p@mu`K Awp@yitMg Kwqy ivc bkwieAw bYlMs mMzUrSudw sImw/pYsw k`FvwaUx dI SkqI qoN G`t hY, p@MqU bYlMs SIt dI imqI nUM 90 idnW qoN lgwqwr jwrI koeI imqI nUM 90 idnW qoN lgwqwr jwrI koeI krzw nhIN hY jW smrUp imAwd dOrwn fYibt kIqy ivAwj nUM kvr krn leI k@Yift nwkw/I hn, ienW KwiqAW nUM „AwaUt AwP Awrfr‟ mMinAw jw skdw hY[

68

Aovr ifaU jdoN koeI rkm bYNk qoN krz dy rUp ivc leI geI hovy qwN ausdw smyN ‟qy Bgqwn nw hox qy ie`k hor qrIk inXq kIqI jwNdI hY[ pYn sQweI Kwqw nMbr (pYn) iek srb BwrqI ivl`Kx nMbr hY ijs iv`c 10 sMiKAwqmk AMk huMdy hn jo ik Bwrq srkwr dy Awmdn kr ivBwg vloN Alwt kIqy jwNdy hn[ ieh lYmInyitf kwrf dy rUp iv`c jwrI kIqw jwNdw hY[ ieh sQweI huMdw hY Aqy inrDwrx APsr dI bdlI nwl jW A`sYsI dy pqy ivc qbdIlI nwl ies iv`c koeI pirvrqn nhIN hMudw[ pwsvrf iek Sbd jwN nMbrwN dw smUh jwN sMiKAwqmk sumyl jo iksy phuMc kof leI huMdw hY, ijs dI cox gRwhk ny kIqI hY qwN ik aus nUM iksy Pon jwN ieMtrnY`t bYikMg syvw dI vrqoN dI AwigAw id`qI jwvy[ ies dw pRXog SnwKq leI vI kIqw jwNdw hY[ AdwiegI Aqy inptwrw pRxwlI AdwiegI Aqy inptwrw pRxwlI dw Bwv mwlI pRxwlI hY, ijs iv`c splweIkwrwN qy PMfwN nUM iesqymwl krn vwilAwN ivckwr rkm dI h`Q bdlI leI swDn pYdw krn leI vrqwirAw jwNdw hY Aqy Aijhw Awm krky mwlI sMsQwvwN iv`c fYibts Aqy krYifts dw vtwNdrw krky kIqw jwNdw hY[ ipMn ieh gupq nMbr hY ijs dI kwrf nwl vrqoN gRwhkwN nUM ies g`l dI AwigAw idMdI hY ik auyh vsqwN/syvwvwN leI AdwiegI krn, kYS kFvwaux Aqy bYNk vloN id~qIAW jwx vwlIAwN hor ielYktRwink syvwvwN dI vrqoN krn[ rIAl tweIm gros sYtlmYt „Awr tI jI AYs‟ dw Bwv rIAl tweIm gros sYtlmYNt qoN hY[ Awr tI jI AYs isstm bYNikMg cYnl rwhIN PMfW dI trWsPr leI AiqAMq qyz swDn dI pySkS krdw hY[Awr tI jI AYs dy qihq trWzYkSnW dI inptwrw vn-tU-vn AwDwr ‟qy kIqw jWdw hY ijs ivc „ku`l‟ sYtlmYNt Aqy „rIAl tweIm‟ ArQwq ieMqzwr dy smyN qoN rihq hoxw Swml hY[

69

rIznybl kwrn Aqy sulJI hoeI soc ‟qy AwDwrq jW aus dy AnurUp hoxw joik vwDU jW klpnwqIq hox dI QW Awm smJ dy AMdr hovy[ punr kbjw punr kbjw iek AijhI pRikRAw hY, ijs rwhIN koeI lYxdwr, mkwn, vsqW (ijvyN ik kwr)‟ qy ley gey kbzy bdly sikauirtI dw kbzw lYNdw hY, jykr krzdwr krzy dy iekrwrnwmy dIAwN SrqwN Anuswr pUrI AdwiegI nhIN krdw hY[ punr sQwpnw pYkyj punr sQwpnw pYkyj Aijhw pYkyj hY jo ik bImwr XUint dI punr sQwpnw leI iqAwr kIqw jwNdw hY[ ieh pYkyj Awr bI AweI dIAW SrqwN Anuswr iqAwr kIqw jwNdw hY Aqy ies iv`c Awm qOr ‟qy

1 kwrjSIl pUMjI, ijs iv`c ivinXmk syDwN dIAwN SrqwN Anuswr ivAwj dr iv`c Cot id`qI huMdI hY[

2 PMf vwlw ivAwj imAwdI krzw 3 kwrjSIl pUUMjI imAwdI krzw 4 imAwdI krzw 5 ieqPwkIAw krzw shwieqw Swml huMdI hY[

smwrt kwrf ie`k smwrt kwrf plwsitk dw krYift kwrf vrgw hY[ mweIkroicp ijhVI rytw dI skIm hY[ ieh swrI pihcwx nUM bxw ky r`KdI hY[ sikauirtI AijhIAwN sMpqIAwN dI qrjmwnI krdI hY ijs dI vrqoN krjy jwN hor dyxdwrI leI shwieqw vjoN kIqI jwNdI hY[ jykr krzdwr krzy dw Bugqwn krn ivc AsPl rihMdw hY qW krzw dyx vwlw bYNk krzw rkm p@qI ienWH AswisAW bwry dwAvw kr skdw hY[ muFlI isikaurtI Aijhw Aswsw hY ijs dI isrjnw krzdwr nUM p@dwn kIqI geI krzw suivDw ivcoN kIqI geI hY Aqy/jW krzdwr ny ijs kwrobwr/p@wjYkt leI krzw suivDw p@wpq kIqI hovy, aus nwl is`Dy qOr ‟qy juiVHAw hoieAw hY[ kolYtrl isikqurtI aukq krzw suivDw leI pySkS kIqI hor

70

isikaurtI hY ijvyNik gihixAW nUM bMDk mkwn nUM igrvI r`Kxw Awid[ syvwvwN

1. Coty Aqy lGU syvw au~dmwN dy sMbMD iv`c, syvwvwN, CotI sVk qy pwxI tRWsport auprytrwN, Coty vpwr, pySyvr qy svY-rojgwr vwly ivAkqIAwN, Aqy hor syvw au~dmwN dy sMbMD iv`c hn[

2. bYNkwN vloN p@dwn kIqIAwN syvwvwN ivc v`K v`K shUlqwN ijvyN ik iBjvweI (fI fIz, AYm tI z, tI tI z Awid jwrI krnw) kYS dI pRwpqI Aqy AdwiegI, notwN qy ivdySI mudrw dw vtwNdrw Awid Swml hY, jo ik bYNkwN vloN gRwhkwN nUM sul`B krvweIAwN jwNdIAwN hn[

bImwr XUint bImwr XUint iv`c Aijhw XUint Swml hY, ijs dw Kwqw Cy mhIinAwN qON v`D smyN q`k GtIAw imAwr vwlw irhw hY, jwN ipCly mwlI swl dOrwn iek`Ty kYS nukswnwN kwrn aus dy Su`D mu`l iv`c 50% q`k Kor l`gI hY Aqy XUint G`to G`t do swlwN q`k vpwrk auqpwdk krdw irhw hY[ if`igAw imAwr koeI imAwr qoN if`gI sMpqI AijhI hovygI jo ik 12 mhIinAW nwlo G`t jwN ies dy brwbr smyN q`k AYn pI ey rhI hY[ mihSUl AnusUcI bYNk vloN Awpxy gRwhkW nUM pyS kIqy gey auqpwdwN Aqy syvwvwN ‟qy bYNk vloN lgwey gey Krcy[ AxAdwiegI vwlw cY~k ieh Aijhw cY~k hY, jo ik Adw krqw bYNk vloN Ax-Adw (bwaUNsf) rUp iv`c vwps prqwieAw jwNdw hY[

71