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w w w. r b i . o r g . i n

~H$ H$s {V~Vm H$m H$moS>

`pVJV JmhH$m| Ho$ {bE
^maVr` ~qH$J H$moS>
Ed _mZH$ ~moS>
w w w. b c s b i . o r g . i n
`h EH$ dpN>H$ H$moS> h, Omo AbJ-AbJ JmhH$m| Ho$ gmW ~H$m| mam `dhma H$aVo g_` CZHo$ {bE ~qH$J WmAm|
Ho$ `yZV_ _mZH$ {ZYm[aV H$aVm h& `h AmnH$mo gwajm XmZ H$aVm h Ama `h ~VmVm h {H$ AmnHo$ XZ{XZ
MmbZm| Ho$ {bE ~H$ AmnHo$ gmW H$go `dhma H$a|Jo& H$moS> _| "Amn' H$m AW h - JmhH$ Ama "h_' H$m AW
h - {Og ~H$ Ho$ gmW JmhH$ `dhma H$aVm h&

1.1 H$moS> Ho$ Co`

`h H$moS> H$. AmnHo$ gmW `dhma H$aVo g_` `yZV_ _mZH$ {ZYm[aV H$aHo$ AN>r VWm {Znj ~qH$J WmAm|
H$m gdYZ& I. nmaX{eVm ~T>mZm Vm{H$ Amn `h ~ohVa T>J go g_P gH|$ {H$ godmAm| Ho$ g~Y _| Amn gm_m`V`m
`m Amem H$a gH$Vo h& J. ~ohVa n[aMbZm_H$ _mZH$ mV H$aZo Ho$ {bE, {VnYm Ho$ _m`_ go, ~mOma
epVAm| H$mo mogm{hV H$aZm& K. Amn VWm AmnHo$ ~H$ Ho$ ~rM {Znj VWm gmhmXnyU g~Y ~T>mZm& L>. ~{H$J
Umbr _| {ddmg ~T>mZm&
H$moS> Ho$ _mZH$ ^mJ 2 _| Xr J`r _wI {V~VmAm| _| em{_b h&
1.2 H$moS> H$s `mo`Vm
O~ VH$ {H$ A`Wm CboI Z hmo, H$moS> Ho$ g^r ^mJ ZrMo gyMr~ g^r CnmXm| VWm godmAm| na, Mmho do emImAm|
`m ghm`H$ gWmAm| mam, H$mCQ>a na, \$moZ na, S>mH$ mam, BQ>aEpQ>d BboQ>m{ZH$ Cnm`m| mam, BQ>aZoQ> na `m
A` {H$gr {d{Y go Xr J`r h& Ab~mm, `hm {X`o J`o g^r CnmX, hmo gH$Vm h {H$ g^r ~H$m| mam Z {X`o OmVo hm|&
H$. Mmby ImVm, ~MV ImVm, _r`mXr O_mam{e`m, AmdVu ImVm, nrnrE\$ ImVo VWm A` g^r O_m ImVo&
I. ^wJVmZ godmE Ogo {H$ n|eZ, ^wJVmZ AmXoe, _mJ S>mQ> VWm dm`a Q>m\$a mam {dofU& J. gaH$mar boZ XoZm|
go g~{YV ~qH$J godmE& K. S>r_oQ> ImVo, BpdQ>r, gaH$mar ~mS>& L>. ^maVr` H$a|gr ZmoQ> {d{Z_` gw{dYm&
M. MoH$m| H$s dgybr, gwa{jV A{^ajm godmE, gwa{jV O_m bmH$a gw{dYm& N>. G$U VWm Amoda S>mQ>& O. _wm n[adVZ
g{hV {dXoer _wm godmE& P. h_mar emImAm| Ho$ _m`_ go ~oMo J`o VVr` nmQ>u ~r_m VWm {Zdoe CnmX& m. Ho${S>Q>
H$mS>, S>{o ~Q> H$mS> g{hV H$mS> CnmX& EQ>rE_ H$mS> VWm godmE (h_mar ghm`H$ gWmAm|/h_mao mam d{VV H$n{Z`m|
mam {X`o J`o Ho${S>Q> H$mS> g{hV)& _moQ>o H$mbo Ajam| _| {X`o J`o _wI eXm| H$m AW eXmdbr _| {X`m J`m h&

2. _wI {V~VmE
2.1 AmnHo$ {V h_mar _wI {V~VmE
2.1.1 {ZZ{b{IV H$mo gw{ZpMV H$aHo$ AmnHo$ gmW h_mao g^r `dhmam| _| {ZnjVm VWm `m`gJVVm:
H$. ~H$ Ho$ H$mCQ>a na ZH$Xr/MoH$ H$s mpV VWm ^wJVmZ H$s `yZV_ ~qH$J godmE CnbY H$amZm& I. h_mao
mam VwV CnmXm| VWm godmAm| Ho$ {bE VWm h_mao Q>m\$ mam AnZm`r Om ahr {H$`m{d{Y`m| VWm WmAm| _|,
Bg H$moS> H$s {V~VmAm| VWm _mZH$m| H$mo nyam H$aZm& J. `h gw{ZpMV H$aZm {H$ h_mao CnmX VWm godmE g~{YV
H$mZyZm| VWm {d{Z`_m| H$m nyar Vah go nmbZ H$aVr h& K. `h gw{ZpMV H$aZm {H$ AmnHo$ gmW h_mao `dhma
B_mZXmar VWm nmaX{eVm Ho$ Z{VH$ {gmVm| na AmYm[aV h& L>. gwa{jV VWm ^amogo_X ~qH$J VWm ^wJVmZ
Um{b`m MbmZm&

2.1.2 {ZZ{b{IV Ho$ mam AmnH$mo `h g_PmZo _| _XX H$aZm {H$ h_mao CnmX VWm godmE H$go H$m_
H$aVo h:
H$. {ZZ{b{IV _| go {H$gr EH$ `m A{YH$ ^mfmAm| _| CZHo$ ~mao _| AmnH$mo gyMZm XoZm: qhXr, AJoOr `m C{MV
WmZr` ^mfm& I. `h gw{ZpMV H$aZm {H$ h_mam {dkmnZ VWm gdYZ g~Yr gm{h` nQ> h Ama ^m_H$
Zht h& J. `h gw{ZpMV H$aZm {H$ h_mao CnmXm| VWm godmAm| Ho$ g~Y _|, CZ na bmJy eVm] VWm `mO Xam|/
godm ^mam| Ho$ g~Y _| AmnH$mo nQ> gyMZm XoZm& K. AmnH$mo `m bm^ h, Amn bm^ H$go CR>m gH$Vo h, CZHo$
{dmr` {Z{hVmW `m h VWm AnZo Zm| Ho$ ~mao _| Amn {H$ggo VWm H$go gnH$ H$a|&
2.1.3 AnZo ImVo `m godm Ho$ Cn`moJ _| AmnH$s ghm`Vm:
H$. AmnH$mo {Z`{_V $n go `Wmo{MV AVZ OmZH$mar XoH$a& I. `mO Xam|, ^mam| `m eVm] _| n[adVZ Ho$ ~mao
_| AmnH$mo gyMZm XoH$a&
2.1.4 Hw$N> JbV hmo OmZo na OXr VWm ghmZw^y{VnydH$ erK H$madmB:
H$. JbVr H$mo VwaV gwYmaZm VWm h_mar JbVr Ho$ H$maU bJm`o J`o ~H$ ^mam| H$mo a H$aZm& I. AmnH$s {eH$m`Vm|
na VwaV H$madmB H$aZm& J. `{X Amn A^r ^r gVwQ> Zht h Vmo AnZr {eH$m`V AmJo {H$go H$a| (nam 7 XoI|)&
K. mmo{JH$s g~Yr Ag\$bVm Ho$ H$maU g_`m H$mo Xya H$aZo Ho$ {bE C{MV dH$pnH$ Cnm` CnbY H$amZm&
2.1.5 AmnH$s gmar d`pVH$ gyMZm H$mo mBdoQ> VWm JmonZr` aIZm:
ZrMo nam 5 _| Cpb{IV eV Ho$ AYrZ h_ AmnH$s gmar d`pVH$ gyMZm H$mo mBdoQ> VWm JmonZr` aI|Jo&
2.1.6 H$moS> Ho$ Mma Ho$ {bE h_:
H$. AmnH$mo ({d_mZ JmhH$) H$moS> H$s {V CnbY H$am`|Jo& I. AmnH$mo (Z`o JmhH$) AnZm ImVm ImobZo na
H$moS> H$s {V CnbY H$am`|Jo& J. AZwamoY mV hmoZo na, H$mCQ>a na `m BboQ>m{ZH$ gyMZm `m S>mH$ mam `h
H$moS> CnbY H$amZm& K. `oH$ emIm _| VWm h_mao do~gmBQ> na `h H$moS> CnbY H$amZm& VWm L>. `h gw{ZpMV
H$aZm {H$ H$moS> Ho$ ~mao _| gyMZm CnbY H$amZo VWm H$moS> H$m Cn`moJ H$aZo _| h_mam Q>m\$ {e{jV h&
2.1.7 ^oX^md a{hV Zr{V AnZmZm VWm CgH$m Cn`moJ H$aZm:
h_ C_, Om{V, qbJ, ddm{hH$ pW{V, Y_ `m AeVVm Ho$ H$maU ^oX^md Zht H$a|Jo&

3. gyMZm
Amn {ZZ{b{IV _| go {H$gr ^r mam `mO Xam|, EH$g_mZ ewH$ VWm ^mam| Ho$ ~mao _| gyMZm mV H$a gH$Vo
h& H$. h_mar emImAm| _| Zmo{Q>g XoIH$a; I. h_mar emImAm| `m honbmBZm| H$mo \$moZ H$aHo$; J. h_mar do~gmBQ>
XoIH$a; K. h_mao {d{Z{XQ> Q>m\$/ghm`Vm S>oH$ go nyN>H$a; `m L>. godm JmBS>/Xa gyMr H$mo XoIH$a&
3.1 AmnHo$ JmhH$ hmoZo go nhbo h_:
H$. {OZ CnmXm| VWm godmAm| _| AmnH$s ${M h, CZHo$ ~mao _| AmnH$mo _w`-_w` ~mV| ~VmVo hE nQ> gyMZm
XoH$a; I. h_ Omo CnmX VWm godmE XoVo h VWm Omo AmnH$s Amd`H$VmZwgma hmo gH$Vr h, CZHo$ ~mao _| gyMZm
XoH$a; J. `{X EH$ go A{YH$ T>J go h_ H$moB CnmX VWm godmE XoVo h (CXmhaU Ho$ {bE-EQ>rE_ go, BQ>aZoQ>
na, \$moZ na, emImAm| _| Am{X) VWm AmnH$mo `h ~VmH$a {H$ Amn CZHo$ ~mao _| Ama A{YH$ OmZH$mar H$go mV
H$a gH$Vo h; K. H$mZyZr, {d{Z`m_H$ VWm AmV[aH$ Zr{VJV Amd`H$VmAm| H$mo nyam H$aZo Ho$ {bE AmnH$s nhMmZ
VWm nVo Ho$ ~mao _| AmnH$mo `h ~VmH$a {H$ h_| `m gyMZm Mm{hE&
3.2 O~ Amn h_mao JmhH$ hmo OmVo h, V~ h_
H$. `mO Xam|/ewH$m| VWm ^mam| g{hV CnmX H$s _w`-_w` ~mVm| Ho$ ~mao _| AmnH$mo Ama gyMZm X|Jo; I.
g^r O_m ImVm|, gwa{jV A{^ajm _| dVwAm| VWm gwa{jV O_m dmQ> Ho$ ~mao _| AmnHo$ A{YH$mam| VWm CmaXm{`dm|
{deof $n go Zm_mH$Z gw{dYm Ho$ ~mao _| AmnH$mo A{V[aV OmZH$mar XoZm; J. dV: hr "\$moZ _V H$a|' godm Ho$
{bE a{OQ>a H$aHo$& O~ VH$ {H$ Amn {b{IV $n _| {H$gr gyMZm/godm H$m Cn`moJ H$aZo Ho$ {bE AnZr gh_{V
Zht Xo XoVo, h_ AmnH$mo {H$gr Z`o CnmX/godm H$s gyMZm Q>obr\$moZ/EgE_Eg/B-_ob go Zht X|Jo&
3.3 `mO Xa|
h_ AmnH$mo
H$. AmnHo$ ImVm|, O_m VWm G$U, XmoZm| na bmJy `mO Xam| H$s gyMZm X|Jo; I. AmnH$s O_mam{e`m| na `mO
H$~ X|Jo `m AmnHo$ G$U ImVm| na ^ma H$~ bJm`|Jo; J. AmnHo$ ImVo na `mO H$go bJmVo h VWm `mO H$s

JUZm H$m T>J&

`mO Xam| _| n[adVZ
h_mao CnmXm| H$s `mO Xam| na n[adVZ hmoZo na h_ AmnH$mo CgH$s gyMZm X|Jo&
3.4 Xa gyMr
ewH$ VWm ^ma
H$. h_ AnZr emImAm| _| {ZZ{b{IV X{eV ({S>bo) H$a|Jo: i) Xa gyMr Ho$ ~mao _| Zmo{Q>g VWm `h {H$ Amn
Bgo {Z:ewH$ XoI gH$Vo h; ii) {Z:ewH$ godmAm| H$s gyMr; iii) ~MV ~H$ ImVo _| `yZV_ O_mam{e Z aIZo
na, ~mhar MoH$ H$s dgybr, _mJ S>mQ> VWm MoH$ ~wH$ Omar H$aZo, ImVm {ddaU, ImVm ~X H$aZo VWm EQ>rE_
_| am{e O_m H$aZo/{ZH$mbZo na ^ma H$m Zmo{Q>g; I. AmnHo$ mam MwZo J`o {H$gr ^r CnmX VWm godm Ho$ ~mao
_| h_ AnZr Xa gyMr _| AmnH$mo {ddaU X|Jo; J. AmnHo$ mam MwZo J`o CnmX/godm Ho$ ~mao _| eVm] Ho$ CbKZ/
AZwnmbZ Z H$aZo na XS> Ho$ ~mao _| ^r AmnH$mo gyMZm X|Jo&
ewH$ VWm ^mam| _| n[adVZ
`{X h_ BZ ^mam| _| d{ H$aVo h `m H$moB Z`m ^ma bmJy H$aVo h Vmo gemo{YV ^ma bJmZo/CZHo$ ^mdr hmoZo
H$s ^mdr hmoZo H$s VmarI go EH$ _hrZm nhbo Ch| A{Ygy{MV {H$`m Om`oJm&
3.5 eV]
H$. O~ Amn JmhH$ ~Z OmVo h `m {H$gr CnmX godm H$m nhbr ~ma Cn`moJ H$aVo h, Vmo AmnZo h_go Omo godm
_mJr h, h_ AmnH$mo Cggo g~{YV eVm] H$s gyMZm X|Jo& I. g^r eV] {Znj hm|Jr VWm {deof $n go Zm_mH$Z
gw{dYm Ho$ ~mao _| A{YH$mam| H$m VWm Xo`VmAm| Ama CmaXm{`dm| H$m nQ> CboI H$a|Jr Ama Ohm VH$ g^d
hmo, Ama ghO ^mfm _| hmoJr&
eVm] _| n[adVZ
H$. O~ Amn JmhH$ ~Z OmVo h, V~ h_ {ZZ{b{IV _| go {H$gr EH$ mam eVm] _| n[adVZ H$s gyMZm X|Jo:
i) ImVm {ddaU/nmg ~wH$ ii) EQ>rE_ iii) `oH$ emIm _| Zmo{Q>g ~moS> iv) B-_ob VWm do~gmBQ> g{hV BQ>aZoQ>
v) g_mMma n I. gm_m`V`m, EH$ _hrZo H$m Zmo{Q>g XoVo hE, ^ma ^mdr VmarI go hr bJm`o Om`|Jo& J. `{X
h_Zo H$moB n[adVZ {~Zm Zmo{Q>g {X`o {H$`m h, Vmo h_ 30 {XZ Ho$ AXa n[adVZ A{Ygy{MV H$a|Jo& `{X `h n[adVZ
AmnHo$ {bE Abm^H$a h Vmo Amn 60 {XZ Ho$ AXa Ama {~Zm H$moB Zmo{Q>g {XE Ama A{V[aV ^ma `m `mO
{X`o {~Zm AnZm ImVm ~X H$a gH$Vo h `m {eQ> H$a gH$Vo h& K. `{X h_Zo {H$gr EH$ df _| H$moB _wI n[adVZ
{H$`m h `m H$B JmU n[adVZ {H$`o h, Vmo h_ Amngo AZwamoY mV hmoZo na, Z`r eVm] H$s {V `m ^mam| H$m
gmame X|Jo&

4. {dkmnZ, {dnUZ VWm {dH$`

H$. h_ `h gw{ZpMV H$a|Jo {H$ g^r {dkmnZ VWm gdYZm_H$ gm_Jr nQ> h VWm ^m_H$ Zht h& I. {H$gr
^r _r{S>`m VWm gdYZm_H$ gm{h` _| {H$gr ^r {dkmnZ _|, Omo {H$gr ~qH$J godm `m CnmX H$s Amoa `mZ
AmH${fV H$aVm h Ama {Og_| `mO Xa H$m CboI em{_b h h_ `h ^r ~Vm`|Jo `m H$moB A` ewH$ VWm
^ma Xo` h VWm `h ^r {H$ g~{YV eVm] Ho$ nyao {ddaU AZwamoY mV hmoZo na Xo {X`o Om`|Jo& J. `{X h_ ghm`H$
godmE XoZo Ho$ {bE Vrgar nmQ>u H$s godmE boVo h, Vmo h_ `h Mmh|Jo {H$ Eogr A` nm{Q>`m AmnH$s d`pVH$ gyMZm
(`{X Ch| `h CnbY h) na CVZr hr JmonZr`Vm Ama gwajm go H$madmB H$a| Ogo {H$ h_ H$aVo& K. h_ g_`g_` na AmnH$mo AmnHo$ mam {b`o J`o CnmXm| H$s {d{^Z {d{eQ>VmAm| H$s gyMZm X|Jo& h_mao A` CnmXm| H$s
gyMZm `m A` CnmXm|/godmAm| Ho$ ~mao _| gdYZm_H$ gw{dYmAm| H$s gyMZm AmnH$mo V^r ^oOr Om`oJr `{X AmnZo
Eogr gyMZm/godm Ho$ {bE S>mH$ `m h_mar do~gmBQ> na `m h_mar \$moZ ~qH$J/JmhH$ godm Z~a na a{OQ>a hmoH$a
AnZr gh_{V XmZ H$s h& L>. h_Zo AnZo `j {dH$` EO|{g`m|, {OZH$s godmE h_ AnZo CnmXm|/godmAm|
Ho$ {bE bo gH$Vo h, Ho$ {bE EH$ AmMma g{hVm {ZYm[aV H$s h& Bg_| A` ~mVm| Ho$ gmW-gmW O~ do h_mao
CnmXm| H$mo d`pVH$ $n go `m \$moZ go ~oMZo Ho$ {bE Amngo gnH$ H$aVo h, Vmo Ch| AnZr nhMmZ ~VmZr nS>Vr
h& M. `{X h_| Amngo Bg Ame` H$s {eH$m`V mV hmoVr h {H$ h_mao {V{Z{Y/Hw$[a`a `m `j {dH$` EO|gr
Zo AZw{MV AmMaU {H$`m h `m Bg H$moS> Ho$ CbKZ _| H$m` {H$`m h, Vmo h_ _m_bo H$s OmM H$aZo VWm {eH$m`V
na H$madmB H$aZo VWm hm{Z H$mo nyam H$aZo Ho$ {bE `Wmo{MV H$X_ CR>mEJo&

5. mBdogr VWm JmonZr`Vm

h_ AmnH$s gmar d`pVH$ gyMZm H$mo mBdogr VWm JmonZr` aI|Jo (`{X Amn h_mao JmhH$ Zht ahVo V~ ^r) Ama
h_ {ZZ{b{IV {gmVm| VWm Zr{V`m| go {ZXo{eV hm|Jo& h_ {ZZ{b{IV AndmXm_H$ _m_bm| H$mo N>moS>H$a, AmnHo$
ImVm| Ho$ g~Y _| gyMZm `m S>oQ>m, Mmho dh AmnHo$ mam Xr J`r hmo `m A`Wm, h_mao g_yh _| A` H$nZr BH$mB`m|
g{hV, {H$gr H$mo ^r Zht X|Jo:
H$. `{X h_| gyMZm H$mZyZr Vma na XoZr nS>Vr h& I. `{X gyMZm H$Q> H$aZo Ho$ {bE h_mar OZVm Ho$ {V S>yQ>r
h& J. `{X h_| AnZo {hVm| H$s ajm Ho$ {bE gyMZm XoZr nS>o (CXmhaU Ho$ {bE YmoImYS>r amoH$Zo Ho$ {bE) bo{H$Z
h_ Bg gyMZm H$mo AmnHo$ ~mao _| `m AmnHo$ ImVm| Ho$ ~mao _| (AmnHo$ Zm_ VWm nVo g{hV) h_mao AnZo g_yh H$s
H$n{Z`m| g{hV {dnUZ Ho$ `moOZ Ho$ {bE {H$gr H$mo ^r Zht X|Jo& K. `{X gyMZm H$Q> H$aZo Ho$ {bE Amn h_|
H$hVo h, `m h_| AmnH$s AZw_{V mV h& L>. `{X h_| AmnHo$ ~mao _| ~H$a Ho$ gX^ (ao\$ag) XoZo Ho$ {bE H$hm
OmVm h, Vmo Bgo XoZo go nhbo h_| AmnH$s {b{IV AZw_{V Amd`H$ hmoJr& M. AmnHo$ ~mao _| Omo d`pVH$ [aH$mS>
h_mao nmg h, CZ VH$ nhM Ho$ {bE {d_mZ {d{YH$ \o$_dH$ Ho$ AVJV AmnH$mo CnbY A{YH$mam| Ho$ ~mao _|
h_ AmnH$mo ~VmEJo& N>. O~ VH$ {H$ Amn h_| {d{eQ>V`m m{YH$V Zht H$aVo, h_ AnZo g{hV {H$gr H$mo ^r
{dnUZ Ho$ `moOZ Ho$ {bE AmnH$s d`pVH$ gyMZm H$m Cn`moJ Zht H$a|Jo&
5.1 G$U gX^ EO|{g`m
H$. O~ h_ AmnH$m ImVm ImobVo h V~ h_ AmnH$mo ~Vm X|Jo {H$ h_ AmnHo$ ImVo H$m {ddaU G$U gX^ EO|{g`m|
H$mo H$~ Xo gH$Vo h Ama H$~ CZgo N>mZ~rZ H$a gH$Vo h& I. Amn na Omo G$U h CZHo$ ~mao _| h_ G$U gX^
EO|{g`m| H$mo OmZH$mar Xo gH$Vo h `{X: i) Amn AnZo ^wJVmZ _| nrN>o ah JE hm|; ii) Xo` am{e {ddmXmnX Z
hmo; VWm iii) h_mar AmnMm[aH$ _mJ Ho$ ~mX, AnZo G$U H$s MwH$mVr Ho$ ~mao _| AmnHo$ Vmdm| go h_ gVwQ> Zht
h; J. BZ _m_bm| _|, h_ {b{IV $n _| AmnH$mo ~VmEJo {H$ AmnHo$ mam h_| Xo` G$U Ho$ ~mao _| G$U gX^ EO|{g`m|
H$mo OmZH$mar XoZo H$s h_mar BN>m h& gmW hr, h_ AmnH$mo G$U gX^ EO|{g`m| H$s ^y{_H$m VWm CZHo$ mam Xr
OmZodmbr OmZH$mar go G$U bo gH$Zo H$s AmnH$s j_Vm na `m ^md nS>oJm, CgHo$ ~mao _| g_PmEJo& K. `{X
Amn h_| AZw_{V X|, Vmo h_ AmnHo$ ImVo H$s XZ{XZ H$m` Ho$ ~mao _| A` OmZH$mar G$U gX^ EO|{g`m| H$mo Xo
gH$Vo h& L>. G$U gX^ EO|{g`m| H$mo Xr JB AmnH$s OmZH$mar H$s EH$ {V{b{n `m CZHo$ nZo (brboQ>g)
h_ AmnH$mo Xo X|Jo {Oggo `h nQ> hmoJm {H$ G$U gX^ EO|{g`m H$go H$m` H$aVr h&

6. Xo` am{e`m| H$m g_mhaU

O~ ^r h_ AmnH$mo G$U X|Jo, h_ AmnH$mo MwH$mVr H$s am{e, Ad{Y, Amd{YH$Vm Ho$ mam MwH$mVr H$s {H$`m
g_Pm`|Jo& VWm{n, `{X Amn nwZ^wJVmZ AZwgyMr H$m nmbZ Zht H$aVo h, Vmo m` am{e dgyb H$aZo Ho$ {bE,
Xoe Ho$ H$mZyZm| Ho$ AZwgma {ZYm[aV Umbr H$m nmbZ {H$`m OmEJm& Bg Umbr _| AmnH$mo Zmo{Q>g ^oOH$a `m
`pVJV $n go Amngo {_bH$a `mX {XbmZm Ama/`m `{X H$moB {V^y{V h Vmo Cg na nwZ: A{YH$ma H$aZm
em{_b hmoJm&
h_mar g_mhaU Zr{V {eQ>mMma, C{MV `dhma Ama g_PmZo ~wPmZo na J{R>V h& h_ JmhH$ Ho$ {ddmg H$mo {dH${gV
H$aZo VWm XrKmd{Y VH$ g~Y ~Zm`o aIZo _| {ddmg aIVo h& h_mam Q>m\$ `m A` H$moB `pV {Ogo mV
am{e Ho$ gm_haU `m/Ama {V^y{V Ho$ nwZ: A{YH$ma _| h_mam {V{Z{Yd H$aZo H$m A{YH$ma {X`m J`m hmo, dh
AmnH$mo d` H$s nhMmZ ~Vm`oJm VWm h_mao mam Omar A{YH$ma n {XIm`oJm VWm AZwamoY H$aZo na ~H$ mam
`m ~H$ Ho$ m{YH$ma Ho$ AVJV Omar nhMmZ n {XIm`oJm& h_ AmnH$mo m` am{e g~Yr g^r OmZH$mar CnbY
H$adm`|Jo VWm mV am{e Ho$ ^wJVmZ Ho$ {bE n`mV Zmo{Q>g XoZo H$m `Z H$a|Jo&
g_mhaU `m/Ama {V^y{V H$mo nwZ: A{YH$ma _| h_mar ~H$ H$m {V{Z{Yd H$aZo hoVw m{YH$V g^r Q>m\$ `m
A` H$moB `pV {ZZ{b{IV {Xem-{ZX}em| H$m nmbZ H$a|Jo:
H$. gm_m`V`m AmnH$s ngX Ho$ WmZ na Ama `{X H$moB {deof WmZ Zht h Vmo AmnHo$ Amdmg na Ama `{X
Amn AnZo Amdmg na CnbY Z hm|, Vmo H$mamo~ma Ho$ WmZ na Amngo gnH$ {H$`m Om`oJm& I. nhMmZ Ed
{V{Z{Yd H$aZo Ho$ A{YH$ma Ho$ ~mao _| AmnH$mo VwaV hr ~Vm`m Om`oJm& J. AmnH$s mBdogr H$m AmXa {H$`m
Om`oJm& K. Amngo dmVmbmn {eQ>Vm go {H$`m Om`oJm& L>. gm_m`V: h_mao {V{Z{Y Amngo 0700 ~Oo Ama
1900 ~Oo Ho$ ~rM gnH$ H$a|Jo O~ VH$ {H$ Amngo H$mamo~ma H$s {deof n[apW{V`m| Ho$ H$maU H$moB A` g_`
H$s O$aV hmo& M. EH$ {deof g_` `m {H$gr {deof WmZ na H$mg Z H$aZo Ho$ AmnHo$ AZwamoY H$m Ohm VH$

g^d hmo AmXa {H$`m Om`oJm& N>. H$mg H$m g_` Ama g`m VWm dmVmbmn H$s {df`-dVw H$mo {bI {b`m
Om`oJm& O. Xo` am{e g~Yr {ddmX `m _V^oXm| H$mo Amng _| drH$m` VWm {d{YdV $n go {ZnQ>mZo _| nyar ghm`Vm
Xr Om`oJr& P. Xo` am{e Ho$ g_mhaU Ho$ {bE AmnHo$ WmZ na Xmam H$aVo g_` {eQ>Vm Ama embrZVm H$m nmbZ
{H$`m Om`oJm& m. AZw{MV Adgam| Ogo n[adma _| emoH$ `m A` H$moB {dnXmAm| na m` am{e Ho$ g_mhaU Ho$
{bE H$mb H$aZo/Xmam H$aZo go ~Mm Om`oJm&
6.1 {V^y{V nwZ: A{YH$ma Zr{V {ddaU:
h_ H$mZyZ Ho$ AZwgma EH$ {V^y{V nwZ: A{YH$ma Zr{V H$m nmbZ H$a|Jo& AZwamoY H$aZo na Zr{V H$s EH$ {V{b{n
CnbY H$am`r Om`oJr&

7. {eH$m`V|, n[admX VWm \$sS>~H$

7.1 AmV[aH$ {H$`mE
H$. `{X AmnH$mo {eH$m`V H$aZr h, Vmo h_ ~Vm`|Jo i) `h H$go H$s OmE ii) {eH$m`V H$hm H$s OmE iii) {eH$m`V
H$go H$s OmE iv)H$~ VH$ Odm~ H$s Anojm H$a| v) {ZdmaU Ho$ {bE {H$go gnH$ {H$`m Om`o vi) n[aUm_ go Iwe
Zht h Vmo `m {H$`m Om`o vii) AmnHo$ {H$gr ^r Z Ho$ {bE h_mam Q>m\$ AmnH$s _XX H$aoJm& I. O~ Amn
JmhH$ ~Z|Jo, Vmo h_ AmnH$mo ~Vm`|Jo {H$ {eH$m`Vm| Ho$ C{MV Ama VH$mb {ZnQ>mao Ho$ {bE h_mar Umbr H$m `moam
H$hm go mV hmoJm& J. `{X AmnH$s {eH$m`V {b{IV $n _| mV hmoVr h, Vmo h_ EH$ gVmh Ho$ ^rVa mpVgyMZm/Cma XoZo H$m `mg H$a|Jo& `{X AmnH$s {eH$m`V Zm{_V Q>obr\$moZ honS>oH$ `m JmhH$ godm Z~a na \$moZ
mam ~Vm`r OmVr h, Vmo h_ AmnH$mo EH$ {eH$m`V gX^ Z~a CnbY H$am`|Jo VWm hmo ahr J{V Ho$ ~mao _| `Wmo{MV
g_`md{Y _| OmZH$mar XoVo ah|Jo& K. _m_bo H$s OmM H$aZo Ho$ ~mX, h_ AmnH$mo AnZm A{V_ Cma ^oO|Jo `m g_Pm`|Jo
{H$ Odm~ XoZo _| h_| `m| A{YH$ g_` bJ ahm h Ama Eogm h_ AmnH$s {eH$m`V mV H$aZo H$s VmarI go N>:
gVmh Ho$ ^rVa H$aZo H$m `Z H$a|Jo VWm AmnH$mo ~Vm`|Jo {H$ `{X Amn A~ ^r gVwQ> Zht h Vmo H$go AnZr
{eH$m`V H$mo AmJo ~T>m gH$Vo h&
7.2 ~qH$J bmoH$nmb godm
H$. h_ AnZr do~gmBQ> na Ama AnZr g^r emImAm| na EH$ Zmo{Q>g X{eV H$a|Jo {Og_| `h ~Vm`m J`m h {H$
h_ ^maVr` [aOd ~H$ H$s ~qH$J bmoH$nmb `moOZm, 2006 Ho$ AVJV AmVo h& Zm__m H$m ^ma XoH$a, AZwamoY
H$aZo na, BgH$s EH$ {V CnbY H$am`r Om`oJr& I. h_| {eH$m`V H$aZo Ho$ 30 {XZ Ho$ AXa `{X AmnH$mo h_go
gVmofOZH$ Cma mV Zht hmoVm h Ama Amn AnZo n[admXm| Ho$ {ZdmaU Ho$ {bE Hw$N> Ama Cnm` H$aZm MmhVo
h, Vmo Amn ~qH$J bmoH$nmb `moOZm 2006 Ho$ AYrZ ^maVr` [aOd ~H$ mam {Z`wV ~qH$J bmoH$nmb go gnH$
H$a gH$Vo h& ~qH$J bmoH$nmb `moOZm H$s _w`-_w` ~mV| emImAm| Ho$ Zmo{Q>g ~moS>m] na X{eV H$s J`r h Ama
`moOZm h_mao do~gmBQ> na X{eV H$s J`r h& h_mam Q>m\$ Bg g~Y _| {H$`m{d{Y H$mo nQ> H$aoJm&

8. CnmX Ama godmE

8.1 O_m ImVo
Amn h_mao gmW {d{^Z H$ma Ho$ ImVo Imob gH$Vo h Ogo {H$ "Zmo {\$g' ImVo g{hV ~MV ImVo, _r`mXr
O_mam{e`m, Mmby ImVo& Amn {ZZ H$ma go `o ImVo Imob gH$Vo h& i) EH$b ii) g`wV iii) g`wV (H$moB
EH$ `m CmaOrdr) iv) g`wV (nyddVu `m CmaOrdr) v) g`wV (nadVu `m CmaOrdr) vi) `m {H$gr Ama
H$ma go&
Cn`wV ImVo Zm_mH$Z gw{dYm Ho$ gmW `m CgHo$ {~Zm ^r Imobo Om gH$Vo h& h_ AmnH$mo Cn`wV ImVm| Ama
Zm_mH$Z gw{dYmAm| Ho$ {Z{hVmWm] Ho$ ~mao _| AmnHo$ mam ImVm ImobVo g_` ~Vm`|Jo&
ImVm ImobVo g_` h_ AmnH$mo Vab ({bpdS>) O_m gw{dYm, drn ImVm Ama Cgr H$ma Ho$ CnmXm| Ho$ ~mao
_| ^r OmZH$mar X|Jo VWm CZHo$ {Z{hVmW Ama {H$`m{d{Y`m| Ho$ ~mao _| ^r ~VmEJo&
O_m ImVo ImobZm VWm CZH$m n[aMmbZ
H$moB ^r O_m ImVm ImobZo go nhbo h_: H$. ~H$ Ho$ {Xem {ZX}em| "AnZo JmhH$ H$mo nhMm{ZE' (Ho$dm`gr) Ho$
g^r gmdYmZr g~Yr Cnm` ~aV|Jo; I. Eogm H$aZo Ho$ {bE g^r Amd`H$ XVmdoO `m gm` VwV H$aZo `m
CnbY H$amZo Ho$ {bE H$h|Jo; J. Ho$dm`gr, EQ>r _Zr bmS>[aJ `m A` {H$gr gm{d{YH$ Anojm H$m nmbZ H$aZo
Ho$ {bE O$ar gyMZm mV H$a|Jo& `{X {H$gr A{V[aV OmZH$mar H$s Amd`H$Vm nS>Vr h, Vmo dh AbJ go _mJr
Om`oJr Ama Eogr A{V[aV OmZH$mar _mJZo Ho$ {bE h_ CgH$m Co` nQ> $n go ~Vm`|Jo& `h OmZH$mar CnbY

H$amZm dpN>H$ hmoJm; K. ImVm ImobZo Ho$ \$m_ Ama A` gm_Jr AmnH$mo CnbY H$am`|Jo& Cg_| dm{N>V Amd`H$
gyMZm H$m {ddaU em{_b hmoJm Ama Ho$dm`gr H$s Amd`H$VmAm| H$mo nyam H$aZo Ho$ {bE g`mnZ VWm/`m [aH$mS>
Ho$ {bE VwV {H$`o OmZodmbo XVmdoOm| H$m {ddaU hmoJm; L>. AmnHo$ mam ImVm ImobVo g_` {H$`m{d{Y g~Yr
AmnMm[aH$VmE nQ> H$a|Jo Ama AmnHo$ mam dm{N>V Amd`H$ nQ>rH$aU CnbY H$am`|Jo; M. ImVm ImobVo
g_`, {Zjon ~r_m Ama `` JmaQ>r {ZJ_ mam {ZYm[aV eVm] Ho$ AYrZ, ~r_m `moOZm Ho$ AVJV CnbY ~r_m
`moOZm Ho$ {ddaU CnbY H$am`|Jo&
AnZo ImVo H$mo ~XbZm
H$. `{X ImVo _| nhbo ^wJVmZ Ho$ 14 {XZm| Ho$ AXa, Amn Mmby `m ~MV ImVo Ho$ (_r`mXr O_mam{e ImVo Ho$
A{V[aV) M`Z go gVwQ> Zht h, Vmo h_ AmnH$mo {H$gr Ama ImVo _| pdM H$aZo _| AmnH$s ghm`Vm H$a|Jo `m
`mO g{hV AmnH$s YZ am{e bmQ>m X|Jo& h_ {H$gr Zmo{Q>g Ad{Y VWm A{V[aV ^ma na Omoa Zht X|Jo&
I. `{X Amn AnZm Mmby/~MV ImVm ~X H$aZm Mmh|, Vmo h_ AmnHo$ AZwXoe mV hmoZo Ho$ 5 H$m` {Xdgm| Ho$
AXa AmnH$m ImVm ~X H$a X|Jo& J. `{X Amn AnZm ImVm h_mao ~H$ H$s {H$gr Ama emIm _| AV[aV H$aZm
Mmh| Vmo h_ `h H$a X|Jo& AmnH$m AZwamoY mV hmoZo Ho$ Xmo gVmh Ho$ AXa Z`r emIm _| AmnH$m ImVm ew$ hmo
Om`oJm ~eV], Amn Z`r emIm _| Ho$dm`gr g~Yr AmnMm[aH$VmE nyar H$a X|& ImVm ew$ hmoVo hr h_ CgH$s gyMZm
X|Jo& Z`r emIm H$mo AmnHo$ Wm`r AZwXoem|/`j Zm_o, `{X H$moB hmo, Ho$ ~mao _| gyMZm Xo Xr Om`oJr& K. AmnHo$
Mmby ImVo H$mo h_| `m h_go AV[aV H$aVo g_` {H$gr JbVr `m AZmd`H$ {db~ Ho$ H$maU `{X AmnH$mo H$moB
~H$ ^ma XoZm nS>Vm h Vmo `h h_ a H$a X|Jo&
8.1.1 ~MV/Mmby ImVo
O~ Amn O_m ImVm ImobVo h, Vmo h_ H$. {H$gr {d{eQ> Ad{Y _| {Z:ewH$ {H$`o Om gH$Zodmbo boZ XoZ, ZH$Xr
AmhaU, Am{X H$s g`m Ho$ ~mao _| AmnH$mo gy{MV H$a|Jo; I. CV gr_m Ho$ ~mX, `{X H$moB hmo, ^mam| Ho$ d$n
Ho$ ~mao _| ~Vm`|Jo& ^mam| H$m {ddaU Xa gyMr _| em{_b {H$`m Om`oJm; J. AmnHo$ ~MV ImVo _| {H$g Xa na
`mO {X`m OmVm h, BgH$s JUZm H$go H$s OmVr h Ama BgH$s Amd{YH$Vm Ho$ ~mao _| gyMZm X|Jo&
`yZV_ O_mam{e
~MV ~H$ ImVo _| aIr OmZo dmbr `yZV_ O_mam{e h_mar emImAm| _| X{eV H$s Om`oJr&
O_m CnmXm| Ogo {H$ ~MV ~H$ ImVm `m Mmby ImVm `m {H$gr A` H$ma Ho$ O_m ImVo Ho$ {bE h_ AmnH$mo
H$. Eogo ImVm| H$mo {Z`{V H$aZodmbr eVm] Ho$ ^mJ Ho$ $n _| `yZV_ O_mam{e`m ~ZmE aIZo Ho$ ~mao _| gy{MV
H$a|Jo; I. AmnHo$ mam ImVo _| `yZV_ O_mam{e Z aI nmZo na ^mam| Ho$ ~mao _| gy{MV H$a|Jo& ^mam| H$m {ddaU
Xa gyMr _| em{_b {H$`m Om`oJm&
^ma
MoH$ ~wH$ Omar H$aZo, ImVm| Ho$ A{V[aV/Sw>pbHo$Q> {ddaU, Sw>pbHo$Q> nmg~wH$, Xm MoH$m| H$s {V, \$mo{bAmo
^ma, S>o{~Q> H$mS>, EQ>rE_ H$mS>, hVmja H$m g`mnZ, An`mV O_mam{e Ho$ H$maU MoH$ bmQ>m XoZo, A{YXoe
`m ImVo Ho$ Q>mBb _| n[adVZ Am{X Ho$ {bE {d{eQ> ^ma Xa gyMr _| em{_b {H$`o Om`|Jo& [a`m`V/Ny>Q> H$s
_yb dYVm Ho$ XmamZ Xr J`r [a`m`V `m Ny>Q> (Ogo {H$ AmOrdZ Ho${S>Q> H$mS> na ZdrH$aU ewH$ H$s Wm`r Ny>Q>)
dm{ng Zht br Om`oJr&
{ddaU
H$. AmnHo$ ImVo H$m ~Y H$aZo VWm CgH$s {dpQ>`m| H$s OmM _| AmnH$s ghm`Vm Ho$ {bE h_ AmnH$mo ImVo
H$m _m{gH$ {ddaU CnbY H$am`|Jo, O~ VH$ {H$ Omo ImVm AmnH$m h CgHo$ {bE dh AZw{MV Zht h& (Ogo
{H$ Eogm ImVm {Og_| AmnH$mo nmg~wH$ Xr OmVr h)& I. AmnHo$ ImVo Ho$ {bE gm_m`V`m CnbY ImVo {ddaUm|
Ho$ A{V[aV ^r Amn ^ma XoH$a Ama A{YH$ ~ma ImVo {ddaU _mJ gH$Vo h& `h ^ma Xa gyMr _| em{_b
{H$`m J`m h& J. Amn H$mCQ>a na AnZo {nN>bo Hw$N> boZ XoZ XoI gH$Vo h& `{X h_mao nmg Eogr gw{dYmE CnbY
hm|, Vmo Amn boZ XoZ EQ>rE_ na `m AnZo BQ>aZoQ> ImVo Ho$ mam ^r XoI gH$Vo h& K. `{X Amn Mmh|, Ama h_mao
nmg Eogr gw{dYm CnbY hm|, Vmo h_ AmnHo$ ImVo H$m {ddaU B-_ob, `m h_mar gwa{jV BQ>aZoQ> ~qH$J godm Ho$
_m`_ go ^r AmnH$mo ^oO|Jo&
8.1.2 _r`mXr O_mam{e`m
_r`mXr O_mam{e H$m g_` go nhbo AmhaU h_: H$. Ad{Y H$s g_mpV go nhbo _r`mXr O_mam{e Ho$ AmhaU

H$s H$m`{d{Y H$s gyMZm AmnH$mo X|Jo; I. _r`mXr O_mam{e H$s Ad{Y H$s g_mpV go nhbo AmhaU Ho$ {bE `mO
Xa Zr{V AmnH$mo ~Vm`|Jo&
H$mbmVrV (AmodaS>`y) _r`mXr O_mam{e`m| H$m ZdrH$aU
`[X Amn Ad{Y g_mV hmoZo H$s VmarI Ho$ ~mX, O_mam{e`m| H$m ZdrH$aU H$aZm Mmh|, Vmo h_ AmnH$mo bmJy `mO
Xa H$s gyMZm X|Jo&
O_mam{e`m| na A{J_
h_ AmnH$mo _r`mXr O_mam{e`m| na CnbY G$U/AmodaS>mQ> H$s gw{dYm Ho$ ~mao _| ~Vm`|Jo&
8.1.3 "Zmo {\$g' ImVm
h_ AmnH$mo `m Vmo 'ey`' `m ~hV H$_ `yZV_ O_mam{e go EH$ _yb ~qH$J "Zmo {\$g' ImVm CnbY H$amEJo&
Eogo ImVo _| {d{^Z godmAm|/CnmXm| Ho$ {bE bmJy ^ma EH$ AbJ Xa gyMr _o| {X`o Om`|Jo& Eogo ImVo _| boZ
XoZm| Ho$ d$n Ama g`m H$mo gr{_V aIm Om gH$Vm h {OgHo$ ~mao _| AmnH$mo ImVm ImobZo Ho$ g_` EH$ nmaXeu
VarHo$ go ~Vm {X`m Om`oJm&
8.1.4 Ad`H$m| Ho$ ImVo
`{X Amn h_go nyN>|Jo Vmo h_ ~Vm`|Jo {H$ H$moB Ad`H$ O_m ImVm H$go Imob gH$Vm h Ama CgH$m n[aMmbZ
H$go {H$`m Om gH$Vm h&
8.1.5 {deof ImVo
h_ AnZo {deof JmhH$m| Ogo {H$ d[aR> ZmJ[aH$, emar[aH$ $n go AeV `pV`m| Ama AZnT> `pV`m| Ho$
{bE h_mao gmW ~qH$J H$aZo H$mo gw{dYmOZH$ ~ZmZo Ho$ {bE g^r `mg H$a|Jo& Bg_| Eogo AmdoXH$m| Ama JmhH$m|
Ho$ {bE gw{dYmOZH$ Zr{V`m, CnmX Ama godmE V`ma H$aZm em{_b h&
h_ pQ>hrZ/emar[aH$ $n go AeV A` `pV`m| H$mo ImVm ImobZo H$s {H$`m{d{Y Ama A` eVm] Ho$ ~mao
_| ~Vm`|Jo, ~eV] dh ~H$ _| d` {H$gr Eogo Jdmh Ho$ gmW AmE {Ogo dh `pV Ama ~H$, XmoZm| hr OmZVo hm|&
gm_m`V`m AZnT> `pV`m| VWm pQ>hrZ `pV`m| H$mo MoH$ ~wH$ gw{dYm Zht Xr OmVr& VWm{n, IwXam G$Um|,
gw{dYm (`yQ>r{bQ>r) {~bm| Am{X H$s Amd{YH$ MwH$mVr Ho$ {bE, h_ AmnHo$ {hV H$s ajm Ho$ {bE ajmonm` g{hV,
AmnH$mo MoH$ ~wH$ Omar H$aZo na {dMma H$a|Jo&
8.1.6 {ZpH$`/AdVu ImVo
h_ H$. h_ AmnH$mo ImVm ImobZo Ho$ g_` `h ~Vm`|Jo {H$ ImVo n[aMm{bV Z H$aZo H$s {H$VZr Ad{Y Ho$ ~mX,
AmnH$m ImVm {ZpH$`/AdVu ImVm hmo Om`oJm& AmnHo$ ImVo H$mo {ZpH$`, AdVu `m AXmdr ImVo Ho$ $n _|
dJuH$V H$aZo VWm CgH$mo Xa gyMr Ho$ AZwgma, g{H$` ~ZmZo Ho$ ^mam| g{hV CgHo$ `m n[aUm_ hm|Jo, Ho$ ~mao
_| h_ AmnH$mo VrZ _hrZo nhbo ~Vm X|Jo; I. `{X Amn ImVo H$mo g{H$` ~ZmZm MmhVo h Vmo `m H$m`{d{Y AnZm`r
Om`oJr, CgHo$ ~mao _| ~Vm`|Jo&
8.1.7 AmnH$m ImVm ~X H$aZm
gm_m` n[apW{V`m| _|, AmnH$mo H$_-go-H$_ 30 {XZm| H$m Zmo{Q>g {X`o {~Zm h_ AmnH$m ImVm ~X Zht H$a|Jo&
"Agm_m`' n[apW{V`m| Ho$ CXmhaUm| _|, ImVo H$m AZw{MV n[aMmbZ Am{X em{_b h& Eogo g^r _m_bm| _|, AmnH$mo
AnZo mam nhbo hr Omar {H$E JE MoH$m| Ho$ {bE dH$pnH$ `dWm H$aZr hmoJr VWm Amn Eogo ImVm| na Z`o MoH$
Omar Zht H$a|Jo&
8.2 g_memoYZ MH$/g_mhaU godmE
H$. h_ AmnH$mo g_memoYZ {bIVm| H$mo VwV H$aZo Ho$ ~mX, Amn {Z{Y H$~ Amh[aV H$a gH|$Jo Ama h_mar MoH$
g_memoYZ Zr{V Ho$ AZwgma Amn {db{~V `mO Ho$ {bE H$~ nm hm|Jo, Am{X `mam| g{hV AmnH$mo WmZr` {bIVm|
Ama ~mhar {bIVm| Ho$ {bE g_memoYZ MH$ Ho$ g~Y _| ~Vm`|Jo& I. `{X h_ AmnH$mo ~mhar MoH$m| Ho$ {bE VH$mb
Ho${S>Q> gw{dYm XmZ H$aVo h Vmo h_ AmnH$mo, bmJy eV] Ogo AmnHo$ mam VwV {bIVm| Ho$ {bE Ho${S>Q> H$s gr_m,
gVmofnyU ImVm| H$m n[aMmbZ, Am{X g{hV `mao X|Jo& J. h_ AnZr MoH$ g_memoYZ Zr{V Ho$ AZwgma, H$madmB
ma^ H$a|Jo Ama AmnHo$ mam VwV MoH$/{bIV Ho$ _mJ _| Imo OmZo Ho$ _m_bo _|, MoH$/{bIV H$s Xygar {V
mV H$aZo _| nyar ghm`Vm XmZ H$a|Jo& K. O~ Amn AnZm ImVm Imob|Jo Ama O~ H$^r h_| Amn Cn`wV OmZH$mar
Ho$ {bE gnH$ H$a|Jo Vmo h_ AmnH$mo CV OmZH$mar XmZ H$a|Jo& `{X h_mar Zr{V _| H$moB n[adVZ hmoVm h Vmo
h_ gemo{YV Zr{V H$mo AnZr do~gmBQ> Ama AnZr g^r emImAm| na X{eV H$a|Jo&

8.3 ZH$Xr boZXoZ

Ohm ^r AmnH$m ImVm ~Zm`o aIm J`m h, dhm H$mCQ>am| na MoH$m|/ZH$Xr H$mo drH$ma H$a|Jo Ama ZH$Xr XmZ H$a|Jo&
^maVr` [aOd ~H$ Ho$ {ZXoem| Ho$ AZwgma, h_mar Eogr emImAm| na h_ nwamZo/H$Q>o-\$Q>o ZmoQ>m| Ama/AWdm N>moQ>o
{gH$m| H$s AXbm-~Xbr H$a|Jo&
{H$gr {ZYm[aV am{e go A{YH$ Ho$ boZ XoZ Ho$ {bE AmnH$mo AnZm nZ Z~a h_| VwV H$aZm Amd`H$ hmoJm&
8.3.1 `j Zm_| Ama Wm`r AZwXoe
H$. `j Zm_| Ama Wm`r AZwXoe {H$g H$ma go H$m_ H$aVo h Ama Amn {H$g H$ma go Ch| XO/a H$a gH$Vo
h Ama Cggo g~{YV ^mam| H$mo h_ AmnH$mo ImVm ImobVo g_` ~Vm X|Jo& g_`-g_` na gemo{YV Xa gyMr
Ho$ AZwgma ^ma bJm`o Om`|Jo; I. `j Zm_| (Ogo {H$ BgrEg) Ho$ {bE AmnHo$ mam {X`o J`o A{YXoem| Ama
A` Wm`r AZwXoem| na H$madmB H$a|Jo& A{YXoe H$m nmbZ H$aZo _| {H$gr {db~ `m Ag\$bVm Ho$ H$maU hB
{dmr` hm{Z `m A{V[aV bmJV Ho$ {bE h_ ~H$ H$s _wAmdOm Zr{V Ho$ AZwgma _wAmdOm X|Jo& `{X AmnHo$ ImVo
_| An`mV O_m am{e Ho$ H$maU, h_ A{YXoe H$m nmbZ Zht H$a nmVo, Vmo g_`-g_` na gemo{YV Xa gyMr
Ho$ AZwgma h_ ^ma bJm`|Jo& J. {dofH$ Ho$ EO|Q> Ho$ $n H$m` H$aVo hE, h_ BboQ>m{ZH$ g_memoYZ godm Ho$
_m_bo _| {dofU H$aVo g_` {dofU Ho$ mVH$Vm H$mo {dofU gyMZm ^oO|Jo; K. `j Zm_o Ho$ AVJV Ogo hr
{ZYm[aV hmo OmVm h {H$ AmnHo$ ImVo H$mo Am{YH$V/JbVr go Zm_ H$a {X`m J`m h, `mO g{hV AmnHo$ ImVo
_| am{e bmQ>m Xr Om`oJr&
8.4 ^wJVmZ amoH$Zo g~Yr gw{dYm
H$. h_ AmnHo$ mam Omar {H$`o J`o MoH$m| Ho$ g~Y _|, ^wJVmZ amoH$Zo g~Yr AZwXoem| H$mo drH$ma H$a|Jo& AmnHo$
AZwXoe mV hmoZo Ho$ VwaV ~mX, h_ CgH$s nmdVr X|Jo Ama H$madmB H$a|Jo, ~eV] BZ MoH$m| H$mo h_Zo nhbo hr
g_memo{YV Z H$a {X`m hmo& I. h_, `{X H$moB ^ma hm|Jo, Vmo bJm`|Jo Ama g_`-g_` na gemo{YV Xa gyMr
_| Cgo em{_b H$a|Jo& J. `{X ^wJVmZ amoH$Zo g~Yr AZwXoem| H$s mpV Ho$ ~mX, {H$gr MoH$ H$m ^wJVmZ hmo OmVm
h, Vmo h_ ~H$ H$s _wAmdOm Zr{V Ho$ AZwgma AmnH$mo CgH$s {Vny{V H$a|Jo Ama _wAmdOm X|Jo&
8.5 AmnHo$ mam Omar MoH$/Zm_o AZwXoe
H$. AmnHo$ ImVm| go Xm _yb MoH$/Zm_o AZwXoe `m CZH$s {V`m `m CZHo$ {M> Eogr Ad{Y Ho$ {bE aI|Jo Ogo
{H$ H$mZyZ mam dm{N>V hmo& I. h_mao nmg [aH$mS> CnbY hmoZo na, gm` Ho$ $n _| MoH$/Zm_o AZwXoe `m CZH$s
{V X|Jo& AmnHo$ ImVo go Xm MoH$/Zm_o AZwXoem| Ho$ g~Y _| {ddmX hmoZo na, `{X AZwamoY EH$ df H$s Ad{Y
Ho$ AXa {H$`m OmVm h, Vmo H$moB ^ma Zht bJm`m Om`oJm Ama EH$ df H$s Ad{Y Ho$ ~mX, Xa gyMr Ho$$AZwgma
^ma bJm`o Om`|Jo& J. h_ AmnH$mo ~Vm`|Jo {H$ h_ AXm MoH$m| VWm "AmCQ> Am\$ S>oQ>" MoH$m| na H$go H$madmB
H$aVo h& AmnHo$ ImVo _| eof O_mam{e Z hmoZo Ho$ H$maU, MoH$ AXm bmQ>m`o OmZo na h_ ^ma bJm`|Jo& ^ma
Ho$ {ddaU g_`-g_` na gemo{YV Xa gyMr _| em{_b {H$`o Om`|Jo&
8.6 emIm ~X H$aZm/{eQ> H$aZm
`{X h_ AnZr emIm ~X H$aZm `m {eQ> H$aZm Mmh|Jo, Vmo h_ AmnH$mo : H$. AmnHo$ Ho$ na {H$gr ^r ~H$ H$s
H$moB H$m`aV emIm Z hmoZo na, VrZ _hrZo H$m Zmo{Q>g X|Jo Ama AmnH$mo ~Vm`|Jo {H$ h_ AmnH$mo ~qH$J
gw{dYmE XoZm H$go Omar aI|Jo& I. AmnHo$ Ho$ na `{X {H$gr ~H$ H$s H$moB H$m`aV emIm h, Vmo Xmo _hrZo H$m
Zmo{Q>g X|Jo&
8.7 {XdJV ImVm-YmaH$m| Ho$ g~Y _| Xmdm| H$m {ZnQ>mZ
8.7.1 h_ {XdJV ImVm-YmaH$m| Ho$ ImVm| Ho$ {ZnQ>mZ hoVw gab {H$`m H$m nmbZ H$a|Jo&
H$. CmaOrdr/Zm{_{V IS> Ho$ gmW ImVm
{XdJV O_mH$Vm Ho$ O_m boIm Ho$ _m_bo _|, Ohm O_mH$Vm Zo Zm_mH$Z gw{dYm H$m Cn`moJ VWm dY Zm_mH$Z {H$`m
Wm AWdm Ohm CmaOr{dVm eV (""H$moB EH$ `m CmaOrdr,'' AWdm ""H$moB `m CmaOrdr'', AWdm ""nyddVu
`pV `m CmaOrdr'' `m ""nadVu `m CmaOrdr'') Ho$ gmW ImVm Imobm J`m Wm, {XdJV ImVm-YmaH$ Ho$
CmaOrdr (`m|)/Zm{_{V H$mo O_m ImVm H$s eof am{e H$m ^wJVmZ {H$`m OmEJm ~eV]& i) CmaOrdr (`m|)/Zm{_{V
(`m|) H$s nhMmZ VWm ImVm YmaH$ H$s _`w Ho$ V` C{MV XVmdoOr gm` Ho$ _m`_ go Wm{nV hm|& ii) gj_
`m`mb` go Eogm H$moB AmXoe Z hmo {Oggo ~H$ H$mo {XdJV Ho$ ImVo go ^wJVmZ H$aZo hoVw amoH$m J`m hmo& VWm
iii) CmaOrdr (`m|)/Zm{_{V H$mo `h n> {H$`m J`m hmo {H$ Ch| {XdJV O_mH$Vm Ho$ H$mZyZr dm[ag Ho$ Q>Q>r
Ho$ $n _| ~H$ go ^wJVmZ mV hmoJm AWmV CZH$mo {H$`o J`o Eogo ^wJVmZ go ^wJVmZ {H$E JE CmaOrdr (`m|)/
Zm{_{V Ho$ {d$ {H$gr ^r `pV Ho$ A{YH$ma AWdm Xmdo ^m{dV Zht hm|Jo&

Cn`wV eVm] Ho$ AYrZ, CmaOrdr (`m|)/Zm{_{V H$mo {H$E JE ^wJVmZ go ~H$ H$s Xo`VmAm| H$s nyU $n go MwH$mVr
hmo OmEJr& Eogo _m_bm| _|, Cmam{YH$ma _mUn, emg{ZH$ n `m dgr`V _mUn Am{X VwV H$aZo H$s _mJ
`m CmaOrdr (`m|)/Zm{_{V go j{Vny{V ~mS> `m O_mZV mV Z H$aVo hE, {XdJV ImVmYmaH$ Ho$ ImVo H$s am{e
Mmho Hw$N> ^r hmo, {XdJV O_mH$VmAm| Ho$ CmaOrdr (`m|)/Zm{_{V H$mo ^wJVmZ {H$`m OmEJm&
I. CmaOrdr/Zm{_[V IS> Ho$ {~Zm ImVo
Eogo _m_bm| _| Ohm {XdJV O_mH$Vm Zo H$moB Zm_mH$Z Zht {H$`m Wm AWdm ""H$moB EH$ `m CmaOrdr'' (Ogm {H$
EH$b `m g`wV $n go n[aMm{bV ImVo) Ho$ $n _| dJuH$V ImVm| Ho$ Abmdm A` ImVm| Ho$ {bE h_ gm_m`
`pV H$mo Agw{dYm `m AH$maU VH$br\$ Z XoVo hE O_mH$Vm Ho$ H$mZyZr Cmam{YH$ma (am|) H$mo nwZ^wJVmZ Ho$ {bE
gab Umbr AnZmEJo& h_mar Omo{I_ ~YZ Um{b`m| H$mo `mZ _| aIVo hE h_ {XdJV O_mH$VmAm| Ho$ ImVo
_| eof am{e Ho$ {bE `yZV_ ma{^H$ gr_m {ZYm[aV H$a|Jo, {Og gr_m VH$ j{Vny{V n Ho$ Abmdm {H$gr A`
XVmdoO _mJo {~Zm {XdJV O_mH$VmAm| go g~{YV Xmdo H$m {ZnQ>mZ {H$`m Om gH$Vm h&
J. _r`mXr O_m ImVm| H$s g_` nyd g_mpV
_r`mXr O_mam{e`m| Ho$ _m_bo _|, h_ ImVm ImobZo hoVw \$m_ _| hr EH$ IS> OmoS> X|Jo, {Oggo O_mH$Vm H$s _`w
hmo OmZo na, _r`mXr O_mam{e`m| H$mo g_` nyd g_mV H$aZo H$s AZw_{V Xr OmEJr& CV ImVm ImobZo Ho$ \$m_
_| Eogr eV], {OZHo$ AYrZ Eogo g_` nyd AmhaU H$s AZw_{V Xr OmEJr, H$m ^r CboI {H$`m OmEJm& Eogo g_`
nyd AmhaU na H$moB XS> ^ma Zht bJm`o Om`|Jo&
K. {XdJV O_mH$Vm Ho$ Zm_ _| ZH$Xr dmh
EH$ O_m ImVo Ho$ CmaOrdr (`m|)/Zm{_{V H$mo VH$br\$ Z XoZo Ho$ {bE h_ {XdJV ImVmYmaH$ Ho$ Zm_ _| {H$`mYrZ
ZH$Xr dmh Ho$ g~Y _| (C{MV H$ama/CmaOrdr (`m|)/Zm{_{V go m{YH$ma mV H$a|Jo& Bg g~Y _| h_
{ZZ{b{IV Xmo {dH$nm| _| {H$gr EH$ H$mo AnZmZo hoVw {dMma H$a|Jo:
i) "{XdJV lr ------------- H$s gnXm' Ho$ $n _| ~Zo ImVo H$mo ImobZo Ho$ {bE {XdJV ImVmYmaH$
Ho$ CmaOrdr (`m|)/Zm{_{V mam h_| m{YH$V {H$`m OmE& Eogo ImVm| _| {XdJV ImVmYmaH$ Ho$ Zm_ _| {H$`mYrZ
dmh H$mo O_m H$aZo H$s AZw_{V Xr OmEJr, ~eV] H$moB AmhaU Z {H$`m OmE& AWdm ii) CmaOrdr (`m|)/Zm{_{V
mam h_| m{YH$V {H$`m OmE {H$ h_ {dofH$ H$mo ""ImVmYmaH$ {XdJV'' {bIH$a {H$`mYrZ dmh H$mo bmQ>m
gH|$ Ama VXZwgma CmaOrdr (`m|)/Zm{_Vr H$mo gyMZm Xo gH|$& CgHo$ ~mX CmaOrdr (`m|)/Zm{_{V/H$mZyZr
Cmam{YH$mar {dofH$ go gnH$ H$a naH$m` {bIV `m BgrEg Ho$ _m`_ go C{MV {hVm{YH$mar Ho$ Zm_ na ^wJVmZ
H$aZo hoVw H$h gH$Vo h&
8.7.2 Xmdm| Ho$ {ZnQ>mZ hoVw g_` gr_m
h_ {XdJV O_mH$VmAm| go g~{YV Xmdm| Ho$ {ZnQ>mZ hoVw Xmdm mV H$aZo H$s VmarI go 15 {XZ Ho$ ^rVa CmaOrdr
(`m|)/Zm{_Vr (`m|) H$mo ^wJVmZ H$aZo H$m `Z H$a|Jo, ~eV] ~H$ H$s gVwpQ> Ho$ {bE O_mH$Vm H$s _`w H$m g~yV
VWm Xmdm (dm|) H$s C{MV nhMmZ VwV H$s OmE&
8.8 gwa{jV O_m bmH$a
h_ gwa{jV O_m bmH$a VWm _y`dmZ dVwAm| Ho$ gwa{jV O_m Ho$ {bE bmJy {Z`_ Ama H$m`-{d{Y H$m gnyU
`moam X|Jo `{X h_ `h godm CnbY H$amVo h&
8.9 {dXoer _wm godmE
H$. O~ Amn {dXoer _wm IarXVo `m ~oMVo h Vmo h_ BZ godmAm| H$s OmZH$mar, {dXoer _wm boZ-XoZm| na bmJy
{d{Z_` Xa VWm A` ^mam| H$m `mam X|Jo& `{X `h g^d Zht hmoVm Vmo h_ AmnH$mo `h ~Vm`|Jo {H$ BgH$s JUZm
H$go H$s OmVr h& I. `{X Amn _wm H$mo {dXoe _| AVaU H$aZm MmhVo h Vmo h_ Bgo H$go {H$`m OmVm h `h ~Vm`|Jo
VWm {ZZ{b{IV OmZH$mar X|Jo : i) godmAm| H$m {ddaU VWm Ch| H$go Cn`moJ _| bm`m OmE& ii) AmnHo$ mam
{dXoe _| ^oOr JB _wm dhm H$~ VH$ nhMZr Mm{hE VWm {db~, `{X H$moB hmo, Ho$ H$maUm| H$m `mam& iii) {dXoer
_wm _| n[ad{VV H$aZo hoVw `wV {d{Z`_ Xa (`{X boZ-XoZ Ho$ g_` `h g^d Z hmo, Vmo h_ ~mX _| Xa ~Vm
X|Jo)& iv) H$_reZ `m ^ma {Ogo AmnH$mo ^aZm hmoJm H$m `mam, VWm EH$ MoVmdZr {H$ _wm mV H$aZodmbo `pV
H$mo ^r {dXoer ~H$ Ho$ ^ma ^aZo nS> gH$Vo h& v) h_ AmnH$mo ~VmEJo {H$ {dXoe _| ^wJVmZ H$aZo Ho$ {bE AmnHo$
mam CnbY H$am`r JB OmZH$mar n`mV h `m Zht& {H$gr {dgJ{V `m AYyao boIrH$aU Ho$ _m_bo _|, h_ AmnH$mo
VwaV gy{MV H$a|Jo VWm Cgo gwYmaZo/nyam H$aZo _| AmnH$s _XX H$a|Jo& vi) `{X {dXoe go AmnHo$ ~H$ ImVo _|
_wm AV[aV H$s JB h Vmo h_ AmnH$mo mV H$s JB _yb am{e VWm bJm`o J`o ^ma, `{X H$moB hmo, Ho$ ~mao _|

~VmEJo& `{X ^oOZodmbm g^r ^mam| H$mo ^aZo hoVw gh_V hmo OmVm h Vmo AmnHo$ ImVo _| ZH$Xr O_m H$aVo g_`
h_ H$moB ^ma Zht b|Jo& vii) h_mao mam XmZ H$s JB {dXoer _wm godmAm| go g~{YV {Z`m_H$ AnojmAm| `m
eVm] Ho$ ~mao _| O~ ^r Amn AZwamoY H$a|Jo, h_ AmnH$m _mJXeZ H$a|Jo& viii) am{e O_m H$aZo hoVw {Z`V VmarI
Ho$ ~mX {db~ hmoZo Ho$ _m_bo _|, AmnHo$ (H$) {Z`V VmarI Ho$ ~mX Xo` Ad{Y Ho$ {bE `mO na {H$gr H$ma H$s
hm{Z VWm (I) ~H$ H$s _wAmdOm Zr{V Ho$ AZwgma {dXoer _wm Xa H$s {VHy$b Xa Ho$ {bE ^r _wAmdOm {X`m
Om`oJm& ix) {Z`m_H$/gm{d{YH$ AZwXoem| Ho$ AVJV Omar {H$E OmZodmbo g^r _mUn {~Zm {H$gr ewH$ Ho$ Omar
{H$E OmEJo&
8.10 ^maV Ho$ ^rVa {dofU
`{X AmnH$mo ^maV Ho$ ^rVa _wm {do{fV H$aZr hmo Vmo h_ AmnH$mo ~Vm`|Jo {H$ `h H$go H$aZm h VWm H$. godmAm|
H$m {ddaU VWm Cgo H$go Cn`moJ _| bm`m OmE, Ho$ ~mao _| ~VmEJo& I. AmnH$s Amd`H$Vm Ho$ AZwgma _wm ^oOZo
H$m Cm_ VarH$m ~VmEJo& J. g^r ^mam| H$m `mam VWm g_`-g_` na gemo{YV Xa gyMr Ho$ AZwgma godm Ho$
{bE AmnHo$ mam ^ao OmZodmbo H$_reZ&
{db~ hmoZo na ~H$ H$s _wAmdOm Zr{V Ho$ AZwgma AmnH$mo hB hm{Z/`` {H$`o J`o A{V[aV IM Ho$ {bE _wAmdOm
{X`m Om`oJm&
8.11 CYma XoZm
AmnH$mo ZH$Xr XoZo go nhbo `m AmnH$m AmodaS>mQ>, Ho${S>Q> H$mS> gr_m `m A` CYma gr_m ~T>mZo go nhbo h_
`h _y`mH$Z H$a|Jo {H$ `m Amn BgH$s MwH$mVr H$a nm`|Jo& `{X h_ AmnH$s ghm`Vm Zht H$a gH$Vo Vmo h_ Xmo
bmI nE go H$_ H$s F$U am{e Ho$ AmdoXZ H$mo AdrH$ma H$aZo Ho$ H$maU {b{IV $n _| ~VmEJo& `{X Amn AnZr
Xo`VmAm| Ho$ {bE, MmhVo h {H$ h_ {H$gr go JmaQ>r `m A` H$moB {V^y{V drH$ma H$a|, Vmo h_ AmnH$s {dm g~Yr
JmonZr` gyMZm JmaQ>r `m H$moB A` {V^y{V Xo aho `pV H$mo `m CZHo$ H$mZyZr gbmhH$ma H$mo XoZo Ho$ {bE AmnH$s
AZw_{V _mJoJo& h_ H$. Ch| dV $n go H$mZyZr gbmh boZo Ho$ {bE mogm{hV H$a|Jo Vm{H$ `h gw{ZpMV hmo
gHo$ {H$ do AnZo {V~Vm Ama AnZo {ZU` Ho$ g^m{dV n[aUm_ g_PVo h&(Ohm C{MV hmoJm, h_ Ch| {OZ
XVmdoO na hVmja H$aZo Ho$ {bE H$h|Jo, CZ_| Bg {g\$m[ae H$s n> Ama nmaXeu gyMZm Xr Om`oJr) I. `h
~Vm`oJo {H$ JmaQ>r `m H$moB A` {V^y{V XoZo go do AmnHo$ ~Xbo `m AmnHo$ gmW XoZXma hmo Om`|Jo; VWm J. Ch|
`h ~Vm`|Jo {H$ CZH$s `m Xo`Vm hmoJr&$
8.11.1 F$U CnmX
F$Um| Ho$ {bE AmdoXZ Ama CZHo$ g~Y _| H$s OmZo dmbr H$madmB H$. {H$gr F$U H$mo XoVo g_`, Cg F$U na bmJy Xam|,
CgHo$ g~Y _| H$madmB {H$E OmZo Ho$ {bE `{X H$moB ewH$/^ma Xo` hm| VWm dgo Ad{Ynyd ^wJVmZ {dH$nm| Ama
^mam| Ed A` H$moB {df` {OZgo CYmaH$Vm H$m {hV ^m{dV hmoVm hmo, BZ g~Ho$ ~mao _| h_ gyMZm CnbY H$amEJo,
Vm{H$ A` ~H$m| Ho$ gmW BZ q~XwAm| na EH$ gmWH$ VwbZm H$s Om gHo$ Ama AmnHo$ mam ghr {ZU` {H$`m Om gHo$&
I. gm_m` $n go, F$U AmdoXZ na H$madmB {H$E OmZo Ho$ {bE Ano{jV g^r {ddaU AmdoXZ H$aVo g_` hr h_mao
mam bo {bE OmEJo& `{X {H$gr A{V[aV gyMZm H$s O$aV h_| hB Vmo h_ Amngo VH$mb gnH$ H$a|Jo& J. h_
AmnH$mo F$U gr_m Ho$ gmW hr CgH$s eVm] Ho$ ~mao _| gy{MV H$a|Jo& K. _mJ {H$E OmZo na h_ AmnHo$ mam VwV g^r
F$U XVmdoOm| H$s A{Y_m{UV {V`m Ama CZHo$ gmW hr F$U XVmdoO _| CXYV g^r AZwbZH$m| H$s EH$ {V
AnZo IM na CnbY H$amEJo& L>> . F$U {XE OmZo _| h_ qbJ, Om{V Ama Y_ Ho$ AmYma na H$moB ^oX^md Zht H$a|Jo&
{\$a ^r, `h ~mV h_| g_mO Ho$ {d{^Z dJm] Ho$ {bE ~ZmB JB `moOZmAm| H$mo d{VV H$aZo AWdm CZ_| gh^m{JVm
H$aZo go {V~{YV Zht H$aVr h& M. gm_m` $n go CYma ImVm| Ho$ AVaU Ho$ {bE AZwamoY na H$madmB h_
CYmaH$Vm AWdm {H$gr ~H$/{dVr` gWm mam mV AZwamoY na hr H$a|Jo&
8.12 JmaQ>r
O~ Amn {H$gr F$U Ho$ {bE JmaQ>rH$Vm ~ZZo na {dMma H$a aho hm|, Vmo h_ AmnH$mo {ZZ{b{IV {df`m| na ~Vm`|Jo:H$. JmaQ>rH$Vm Ho$ $n _| AmnH$s Xo`Vm& I. ~H$ Ho$ {V AmnHo$ mam dMZ~ H$s JB Xo`Vm H$s am{e& J. do
n[apW{V`m {OZ_| h_ AmnH$mo Xo`Vm H$s AXm`Jr H$aZo Ho$ {bE H$h|Jo& K. `{X Amn JmaQ>rH$Vm Ho$ $n _| AXm`Jr
H$aZo _| Ag\$b ahVo h, Vmo ~H$ _| O_m AmnH$s A` YZam{e go `m ~H$m`m am{e H$s AXm`Jr H$s Om gH$Vr
h& L>. JmaQ>rH$Vm Ho$ $n _| `m AmnH$s Xo`VmE {H$gr {d{eQ> _mm VH$ gr{_V h `m do Agr{_V h& Ama M.
g_` Ama do n[apW{V`m {OZ_| JmaQ>rH$Vm Ho$ $n _| AmnH$s Xo`VmE {S>MmO H$s OmEJr Ama do VarHo$ {OZgo
h_ BgHo$ ~mao _| AmnH$mo gy{MV H$a|Jo&
h_ AmnH$mo Cg CYmaH$Vm {OgHo$ Amn JmaQ>rH$Vm ~Zo h, H$s {dmr` pW{V _| _hdnyU {VHy$b n[adVZ/
n[adVZm| go AdJV H$amVo ah|Jo&

8.13 gm_m` OmZH$mar

h_ H$. AmnH$mo F$U/Ho${S>Q> H$mS> H$s _Oyar Ho$ ~mao _| ~VmVo g_`, AnZo F$U Ama Ho${S>Q> H$mS> CnmXm| H$s
_hdnyU {deofVmAm| Ho$ ~mao _| nyar OmZH$mar XoJ|, {Og_| CZ na bmJy ewH$ Ama ^ma ^r em{_b h& I. AmdoXZ
H$aZo Ho$ {bE Amngo mV H$s OmZodmbr dh OmZH$mar/boIrH$aU {OgH$s h_| O$aV hmoJr, AmnH$mo CgH$s
gyMZm X|Jo& h_ AmnH$mo Amngo Ano{jV Cg boIrH$aU H$s gyMZm ^r X|Jo, Omo AmnH$s nhMmZ, nVm amoOJma
Am{X Ho$ g~Y _| hmoJm& Amngo Ano{jV A` H$moB XVmdoO Omo gm{d{YH$ m{YH$aUm| mam {d{YH$ Ama {d{Z`m_H$
AnojmAm| Ho$ AZwnmbZ H$o$ H$_ _| AZw~ {H$E JE hm| (CXmhaUmW nZ Ho$ ~mao _|) CgH$s Amd`H$Vm Ho$ ~mao
_| ^r AmnH$mo gyMZm X|Jo& J. `{X Amd`H$ g_Pm J`m Vmo Ho${S>Q> H$mS> Ho$ AmdoXZn _| AmnZo Omo `mao {XE
h CZHo$ g`mnZ Ho$ {bE h_ BgHo$ {bE {Z`wV AnZr EO|{g`m| Ho$ _m`_ go AmnHo$ Amdmgr` Ama/`m H$m`mb`
Ho$ Q>obr\$moZ Z~a na Amngo gnH$ H$a| Ama/`m AmnHo$ Amdmg Ama/`m H$m`mb` Ho$ nVo na AmE& K. `{X h_
AmnH$mo AmodaS>mQ> H$s gw{dYm X|, `m AmnHo$ AmodaS>mQ> H$s Mmby gr_m _| ~T>momar H$a| Vmo h_ AmnH$mo ~Vm`|Jo
{H$ Bg AmodaS>mQ> H$mo _mJ na `m A`Wm MwH$Vm H$aZm hmoJm& `{X Amd`H$ hAm, Vmo h_ AmnH$mo `h ^r ~Vm`|Jo
{H$ Amh[aV A{YH$ (AmodaS>mQ>) am{e H$s JUZm H$go H$s OmEJr VWm gmW hr Amh[aV A{YH$ F$U am{e na
`mO H$s JUZm H$go H$s OmEJr&
8.14 Ho${S>Q> H$mS>
8.14.1 gm_m` OmZH$mar
H$. O~ Amn H$mS> Ho$ {bE AmdoXZ H$a|Jo, Cg g_` g~{YV eVm] Ogo ewH$ Ama `mO ^ma, {~qbJ Ama ^wJVmZ,
A{VXo` Ho$ ZdrH$aU H$s JUZm H$s {d{Y Ama g_mnZ {H$`m, VWm A` H$moB OmZH$mar Omo H$mS> Ho$ gMbZ Ho$
{bE AmnH$mo Ano[jV hmoJr, dh h_ ~Vm`|Jo& I. O~ Amn CnmX/godm H$mo mV H$a aho h/Ho$ {bE AmdoXZ H$a
aho h V~ h_ AmnH$mo AnZo b{jV "Q>Z AamCS> Q>mB_" Ho$ ~mao _o| gy{MV H$a|Jo& J. AmnHo$ nhbo H$mS> Ho$ gmW
h_ AmnH$mo godm JmBS>/gX` ~wH$boQ> ^oO|Jo{Og_| eV] {dVV $n go Xr JB hm|Jr VWm `{X AmnH$m H$mS> Imo
J`m/Xw$n`moJ hAm Vmo AmnHo$ ImVo _| hmoZodmbr hm{Z na AmnH$s {O_oXmar VWm AmnHo$ H$mS> Ho$ `moJ Ho$ g~Y
_| A` g~{YV OmZH$mar Xr JB hmoJr& K. {ddaU H$mS> na {XE JE {H$gr boZ XoZ H$mo `{X Amn Zht g_P nmVo
h Vmo AmnHo$ _mJZo na h_ AmnH$mo Ama `mao CnbY H$am`|Jo& {OZ _m_bm| _| h_ AmnHo$ Xmdm| H$mo drH$ma Zht
H$a nmEJo CZ _m_bm| _| h_ g~{YV boZ XoZ Ho$ ~mao _| Xr JB AmnH$s gh_{V H$m gw~yV XmZ H$a|Jo&
8.14.2 Ho${S>Q> H$mS>/{nZ Omar H$aZm
H$. Ho${S>Q> H$mS>/{nZ Hw$[a`a/S>mH$ Ho$ _m`_ go AmnHo$ S>mH$ Ho$ nVo `m Amn mam {XE JE Xygao nVo (`{X AmnHo$
S>mH$ Ho$ nVo na ^oOZm g^d Z hAm Vmo) na ^oOm OmEJm& Xygao Cnm` Ho$ $n _|, g_w{MV nhMmZ H$m g`mnZ
H$aZo Ho$ nMmV, AmnH$s BN>m na AmnH$m Ho${S>Q> H$mS>/{nZ h_ AmnH$mo emIm _| Xo gH$Vo h& I. h_ AmnH$mo
{ZpH$` (Omo `moJ H$aZo Ho$ {bE V`ma Z hmo) Ho${S>Q> H$mS> ^r Omar na gH$Vo h ~eV] h_| AmnH$m mo\$mBb,
H$mS> Omar H$aZo Ho$ {bE g_w{MV VrV hmo Ama `h {ZpH$` Ho${S>Q> H$mS> V^r g{H$` hmoJm O~ Amn BgH$mo g{H$`
H$aZo Ho$ {bE Ano[jV H$X_ CR>mE Omo {H$ {Z{XQ> A` eVm] Ho$ AYrZ hm|Jo& J. h_ {g\$ AmnH$s gh_{V go
AmnHo$ H$mS> na F$U CnbY H$am`|Jo/F$U gw{dYm XmZ H$a|Jo/F$U gr_m ~T>m`|Jo& K. O~ AmnH$m {nZ
(`pVJV nhMmZ g`m) Am~{Q>V {H$`m OmEJm V~ Bgo AmnHo$ S>mH$ Ho$ nVo na AbJ go ^oOm OmEJm&
8.14.3 Ho${S>Q> H$mS> {ddaU
H$. Ho${S>Q> H$mS> ImVo Ho$ ~YZ _| ghm`Vm XmZ H$aZo Ama Ho${S>Q> H$mS> Ho$ _m`_ go H$s JB IarXmar/ZH$Xr
AmhaU Ho$ `mam| H$s OmM H$aZo Ho$ {bE h_ AmnH$mo Ho${S>Q> H$mS> boZ XoZm| Ho$ `mao _m{gH$ S>mH$ go Ama AmnH$s
BN>m na BQ>aZoQ> Ho$ _m`_ go ^r ^oO|Jo& Ho${S>Q> H$mS> {ddaU `oH$ _hrZo nyd{ZpMV VmarI H$mo AmnHo$ S>mH$
Ho$ nVo na ^oOm OmEJm& I. `{X AmnH$mo `h gyMZm Zht {_bVr h Vmo H$n`m h_go gnH$ H$a| Vm{H$ h_ `o `mao
nwZ: ^oOZo H$s `dWm H$a gH|$ Vm{H$ Amn ^wJVmZ H$a gHo|$ Ama `{X Hw$N> AndmX hm| Vmo g_` ahVo ~Vm gHo|$&
J. ewH$ VWm ^ma Ama eVm] H$s AZwgyMr _| hmoZodmbo {H$gr ^r n[adVZ Ho$ ~mao _| h_ AmnH$mo ~Vm`|Jo/A{Ygy{MV
H$a|Jo& gm_m`V: ^ma (`mO Xa VWm {d{Z`m_H$ AnojmAm| Ho$ H$maU bmJy hmoZodmbo) H$_-go-H$_ EH$ _hrZo
H$m Zmo{Q>g XoH$a ^{d` ^mdr $n go bmJy hmoVo h& `o n[adVZ ImVo Ho$ _m{gH$ {ddaU `m BgH$s {V Ho$ gmW
A{Ygy{MV {H$E OmVo h&

9. AmnHo$ ImVo H$mo gwa{jV aIZm

9.1 gwa[jV Ama ^amogo_X ~qH$J Ama ^wJVmZ Umbr
CmoJ Ho$ $n _| h_ gh`moJ H$a|Jo Vm{H$ Amn gwa{jV Ama ^amogo_X ~qH$J Ama {ddmg `mo` ^wJVmZ Umbr

H$m bm^ CR>m gH|$& gwajm `dWmAm| Ho$ $n _| h_ {ZH$Q> go {ZJamZr aIZo Ho$ {bE grgrQ>rdr bJm`|Jo&
9.2 h_| AVZ aIZm
BZHo$ ~mao _| O~ ^r H$moB n[adVZ hm| Vmo H$n`m h_| `WmerK gy{MV H$a| :
H$. Zm_:
I. nVm:
J. \$moZ Z~a : `m
K. B-_ob H$m nVm (`{X BgHo$ _m`_ go Amngo gnH$ {H$`m OmVm hmo)&
9.3 AnZo ImVo H$s OmM H$aZm
H$. h_ BgH$s {g\$m[ae H$aVo h {H$ Amn AnZo {ddaU `m nmg~wH$ H$s {Z`{_V OmM H$a|& `{X AmnH$mo H$moB
{dpQ> JbV bJo Vmo CgHo$ ~mao _| h_| `WmerK ~VmE Vm{H$ h_ BgH$s OmM H$a gH|$& grYo Zm_o Ama WmB
AmXoem| H$s {Z`{_V OmM go `h gw{ZpMV hmo OmVm h {H$ YZ dht Om ahm h Ohm Amn ^oOVm MmhVo h&
I. `{X h_| AmnHo$ ImVo Ho$ boZ XoZm| H$s OmM H$s Amd`H$Vm hmo Omo Amn h_| Ama `{X nw{bg/OmM EO|{g`m|
H$mo BgH$s Amd`H$Vm hmo Vmo Ch| ^r gh`moJ XmZ H$a|&
9.4 BgH$m `mZ aI|
YmoImYS>r VWm AnZo ImVo H$mo gwa{jV aIZo Ho$ {bE `h Amd`H$ h {H$ Amn AnZr MoH$~wH$, nmg~wH$, H$mS>,
{nZ VWm A` gwajm OmZH$m[a`m| H$m `mZ aI|& H$n`m gw{ZpMV H$a| {H$ Amn {ZZ{b{IV gbmhm| H$m nmbZ
H$aVo h: H$. `o Z H$a| : i) H$mS> Ama MoH$~wH$ EH$ gmW aIZm& ii) Imbr MoH$ na hVmja H$aHo$ aIZm&
iii) {H$gr Xygao H$mo H$mS>, {nZ, nmgdS> `m A` gwajm OmZH$mar H$m `moJ H$aZo XoZm& iv) {nZ, nmgdS> `m
A` gwajm OmZH$mar H$mo {bI H$a aIZm `m XO H$aZm v) AnZo ImVo Ho$ nmgdS> `m A` gwajm OmZH$mar
Ho$ `mao {H$gr A` H$mo XoZm& I. `o gXd H$a| : i) `{X S>mH$ Ho$ _m`_ go Amn MoH$ ^oO aho h Vmo {Og `pV
H$mo MoH$ ^wJVmZ {H$`m Om ahm h CgH$m Zm_ n> Ajam| _| {bIZm Vm{H$ YmoImYS>r amoH$Zo _| ghm`Vm hmo& h_
{g\$m[ae H$aVo h {H$ Eogo MoH$ {bIVo g_` CQ>m H$m~Z nona aI| Vm{H$ amgm`{ZH$ gemoYZm| go ~Mm Om gHo$&
ii) `{X Amn {nZ ~XbVo h Vmo Z`m {nZ gmdYmZrnydH$ MwZ|& iii) AnZm {nZ, nmgdS> VWm A` gwajm OmZH$mar
`mX H$a b| Ama `{X BgHo$ ~mao _| AmnH$mo H$moB {b{IV gyMZm {_bVr h Vmo `m| hr Amn Bgo mV H$aVo h `m|
hr ZQ> H$a X|& iv) AnZo H$mS> H$mo `pVJV A{^ajm _| gwa{jV aIZo Ho$ {bE Amd`H$ H$X_ CR>mE Ama AnZo
{nZ, nmgdS> Ama A` gwajm OmZH$mar H$mo gXd JwV aI|& v) H$mS> agrXm| H$mo gwa{jV aI| Ama gmdYmZrnydH$
ZQ> H$a|& vi) `{X Amn MoH$ {H$gr ~H$ ImVo _| O_m H$a aho h Vmo ImVmYmaH$ (H$IJ ~H$ ImVm/MN>O) H$m
Zm_ MoH$ na {bI|& MoH$ Ho$ [aV WmZ na bH$sa ItM X| Vm{H$ AZ{YH$V `pV A{V[aV g`m `m Zm_
Z OmoS> gHo$& J. H$mS>/MoH$ ~wH$ H$mo Xw$n`moJ go gwa{jV aIZo Ho$ {bE AmnH$mo `m H$aZm Mm{hE Bg ~mao _|
h_ AmnH$mo gy{MV H$a|Jo& K. `{X AmnH$s MoH$~wH$, nmg~wH$ `m EQ>rE_/S>o{~Q> H$mS> Imo OmVm h `m Mmoar hmo OmVm
h, `m {H$gr Ama H$mo AmnHo$ {nZ `m A` gwajm OmZH$mar nVm nS> OmVr h Vmo AmnHo$ mam A{Ygy{MV H$aZo
na h_ BgHo$ Xw$n`moJ H$mo amoH$Zo Ho$ {bE VH$mb H$X_ CR>mEJo& L>. `{X AmnH$mo gXoh h `m AmnH$mo$ nVm MbVm
h {H$ AmnH$s MoH$~wH$, nmg~wH$ H$mS> Imo J`m h `m Mmoar hmo J`m h `mo H$moB AmnH$m {nZ, nmgdS> `m gwajm g~Yr
OmZH$mar OmZVm h Vmo `h Amd`H$ h {H$ nVm MbVo hr Amn h_| gy{MV H$a|& M. ImoZo H$s OmZH$mar Amn h_|
AmnH$mo {XE h_mao 24 KQ>o H$m`aV Q>mob \$s Z~a na Xo gH$Vo h Ama Bg Ame` H$s {b{IV nwpQ> ^r erK ^oO|&
{dH$n Ho$ $n _|, Bg Ame` Ho$ {bE {XE JE B-_ob Ho$ h_mao nVo na ^r h_| gy{MV H$a gH$Vo h& N>. O~ VH$
h_| A{Ygy{MV Zht {H$`m OmVm h V~ VH$ H$s Ad{Y Ho$ Xw$n`moJ H$s {O_oXmar AmnH$s hmoJr&
9.5 BQ>aZoQ> ~qH$J
AmZbmBZ ~qH$J V~ VH$ gwa{jV Ama gw{dYmOZH$ h O~ VH$ Amn Hw$N> gm_m` gwajm Cnm` AnZmVo h&
H$n`m {ZZ{b{IV gbmhm| H$m nmbZ H$a|&
H$. grYo h_mar BQ>aZoQ> ~qH$J gmBQ> XoI|& {H$gr A` gmBQ> `m B-_ob Ho$ _m`_ go gmBQ> na Z OmE Ama
S>mo_oZ Ho$ X{eV Zm_ H$s OmM H$a| Vm{H$ Ombr do~gmBQ>m| go ~Mm Om gHo$& I. nmgdS> `m {nZ nyN>Zo dmbr {H$gr
^r B-_ob H$mo ZOaAXmO H$a X| Ama h_| gy{MV H$a| Vm{H$ h_ BgH$s N>mZ~rZ H$a gH|$& Z Vmo nw{bg Ama Z
hr h_ H$^r Amngo Bg{bE gnH$ Zht H$a|Jo {H$ Amn h_| AmZbmBZ ~qH$J `m ^wJVmZ H$mS> Ho$ {nZ `m AmnH$s
nmgdS> OmZH$mar X|& J. h_ AmnH$mo gbmh XoVo h {H$ h_mar BQ>aZoQ> ~qH$J gmBQ> H$mo XoIZo Ho$ {bE gmB~a
H$\o$/eo`a nrgr H$m `moJ Z H$a|& K. h_ AmnH$mo gbmh XoVo h {H$ Amn AnZo nrgr H$mo ZdrZV_ EQ>r-dm`ag
Ama nmB-doAa gmQ>doAa go {Z`{_V $n go AVZ H$aVo ah|& hH$g, dm`ag Ho$ h_bm| `m eamaVr ""Q>moOZ

hmog'' moJmo_am| go gwa{jV aIZo Ho$ {bE Amn gwajm moJm_ ^r BQ>mb H$a gH$Vo h& BgH$s {g\$m[ae H$s OmVr
h {H$ EH$ Cn`wV \$m`admb AmnHo$ H$`yQ>a _| BQ>mb hmo Vm{H$ AmnH$m nrgr Ama BgH$s gm_Jr BQ>aZoQ> na
_mOyX ~mhar Vdm| go gwa{jV ah gHo$& L>. AnZo AmnaoqQ>J {gQ>_ Ho$ ""\$mBb ES> qqQ>J eo`[aJ'' \$sMa H$mo
{ZpH$` H$a X|& M. `moJ _| Z hmoZo na nrgr H$mo bmJ Am\$ H$a X|& N>. BQ>aZoQ> Egbmoaa ~mCOa _| AnZr
AmBS>r/{nZ Q>moa Z H$a|& O. AnZo ImVo Ama boZ XoZ H$s {Z`{_V $n _| OmM H$a|& P. h_mar gbmh _mZ|AmZbmBZ H$go gwa{jV ah|, Bg hoVw _XX Ama _mJXeZ Ho$ {bE gm_m` $n go h_mar do~gmBQ| AN>r
hmoVr h&
9.6 ^wJVmZm| H$mo {ZaV H$aZm
`{X Amn H$moB ^wJVmZ AWdm ^wJVmZm| H$m {gb{gbm a H$aZm MmhVo h, Vmo AmnH$mo : H$. MoH$ Ho$ ^wJVmZ H$mo
amoH$Zo Ho$ {bE `m Wm`r AZwXoe AWdm `j Zm_o S>mbZo VWm a H$aZo hoVw AmnH$mo h_| {b{IV $n _| ~VmZm
hmoJm& I. `j Zm_| Z S>mbZo hoVw AmnH$mo h_| gy{MV H$aZm hmoJm& h_ {g\$m[ae H$aVo h {H$ Amn `j Zm_o
Ho$ g~Y _| ^r Amo[a{OZoQ>a H$mo gy{MV H$a|& J. `{X Cgo a H$aZo Ho$ g~Y _| Amn AnZo {ZU` H$s gyMZm Zht
XoVo h Vmo ^wJVmZm| H$mo a H$a nmZm g^d Zht hmoJm& K. Ho${S>Q> H$mS> g~Yr ^wJVmZm| H$mo a H$aZm {ZYm[aV
H$s JB eVm] Ho$ AYrZ hmoJm&
9.7 hm{Z`m| H$m CmaXm{`d
H$. `{X Amn H$nQ>nydH$ H$moB H$m` H$aVo h Vmo CgH$s g^r hm{Z`m| Ho$ {bE Amn CmaXm`r hm|Jo& `{X Amn Ja{O_odmarnydH$ H$moB H$m` H$aVo h Ama Cggo H$moB ZwH$gmZ hmoVm h Vmo CgHo$ {bE Amn CmaXm`r hmoJo& I. `{X
AmnZo H$nQ>nydH$ `m Ja-{O_odmar go H$moB H$m` Zht {H$`m h Vmo H$mS> Omar H$aZo g~Yr eVm] Ho$ AZwgma {ZYm[aV
am{e hoVw AmnHo$ H$mS> Xwn`moJ go g~{YV AmnH$m CmaXm{`d gr{_V hmo OmEJm& J. Amn AnZm {nZ Z~a `m
AnZo nmgdS> H$s Omo{I_ `m A` gwa{jV OmZH$mar H$s hm{Z Ho$ {bE V~ VH$ CmaXm`r hm|Jo O~ VH$ {H$ h_
gy{MV Zht H$aVo Ama h_ Xw$n`moJ H$mo amoH$Zo Ho$ {bE H$X_ Zht CR>mVo&

10. {ZJamZr
^maVr` ~qH$J H$moS> Ed _mZH$ ~moS> {OZHo$ {ZXoeH$m| _| emgr n[afX Ho$ gX` em{_b h H$moS> H$s {ZJamZr H$aVo
h& gnH$ g~Yr `mao {ZZmZwgma h : ^maVr` ~qH$J H$moS> Ed _mZH$ ~moS>, ^maVr` [aOd ~H$ ^dZ,
gr-7, MmWr _{Ob, ~mm-Hw$bm H$mbog, _w~B-400 051, Q>obr\$moZ : 022-26573715,
\$g g.-022-26573719, B-_ob : ceo.bcsbi@rbi.org.in; do~gmBQ> : www.bcsbi.org.in

11. _XX mV H$aZm

`{X Amn H$moS> Ho$ ~mao _| H$moB OmZH$mar MmhVo h Vmo Amn h_mao {d{Z{XQ> Q>obr\$moZ honS>oH$ `m JmhH$ godm
Z~a na h_go gnH$ H$a| AWdm ^maVr` ~H$ gK Ho$ {ZZ{b{IV nVo na gnH$ H$a|& ^maVr` ~H$ gK,
N>R>r _{Ob, g|Q>a I {~pS>J, dS> Q>oS> g|Q>a H$mnbog, H$\$ naoS>, _w~B-400 021.
Q>obr\$moZ : 022-22174040, \$g g.-022-22184222, B-_ob : unni@iba.org.in
do~gmBQ> :www.iba.org.on AWdm, ^maVr` ~qH$J H$moS> Ed _mZH$ ~moS> Ho$ Cn`wV nVo na gnH$ H$a|&
11.1 H$moS> H$s {V`m CnbY h Ama Ch| Amn H$go mV H$a gH$Vo h VWm h_ AmnHo$ AZwamoY na
CgH$s {V H$go CnbY H$am`|Jo BgH$m nQ>rH$aU h_ AnZr g^r emImAm| na Ama AnZr do~gmBQ> na
^r X|Jo&

12. H$moS> H$s g_rjm

Bg H$moS> H$s g_rjm VrZ df H$s Ad{Y Ho$ ^rVa H$s OmEJr& BgH$s g_rjm nmaXeu Ho$ $n _| H$s OmEJr&

OZ{hV _| OmarH$Vm : ^maVr`

[aOd ~H$