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lGU Aqy Coty audXogW pRqI bYNk dI inSTw dw kof Agsq, 2012 bYNikMg kofz AYNf stYfrfz borf Aw/ ieMfIAw www.bcsbi.org.in

lGU Aqy Coty audXogW pRqI bYNk dI inSTw dw kof › pdf › msme › Punjabi.pdf · lGU Aqy Coty audXogW pRqI bYNk dI inSTw dw kof Agsq, 2012 bYNikMg kofz AYNf stYfrfz borf Aw/ ieMfIAw

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  • 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 : [email protected] vYbsweIt : www.bcsbi.org.in

    57

    mailto:[email protected]://www.bcsbi.org.in/

  • 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 : [email protected] 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

    http://www.iba.org.in/mailto:[email protected]://www.bcsbi.org.in/

  • 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[

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