{dH$ën H: àmW{‘H$ dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo na 71,100
H$) àñVmdH$ AnZo ñd`§ Ho$ OrdZ na EH$b OrdZ AmñW{JV H$. VmËH$m{bH$ dm{f©H$s-
{ÛVr`H$ dm{f©H$sJ«mhr H$mo dm{f©H$s Ho$ 50% Ho$ {bE
àmdYmZ Ho$ gmW OrdZ ^a Ho$ {bE g§`w³V OrdZ
VmËH$m{bH$ dm{f©H$s 1938 H$s Ymam 45 Ho$ Cn~§Ym| Ho$ AZwgma H$ma©dmB© H$s OmEJr&
{dH$ën I: O~ VH$ H$moB© EH$ dm{f©H$sJ«mhr Or{dV h¡, V~ 68,300
VH$ Xo` dm{f©H$s Ho$ 100% Ho$ {bE àmdYmZ Ho$ gmW
OrdZ ^a Ho$ {bE g§`w³V OrdZ VmËH$m{bH$ dm{f©H$s
{dH$ën J: O~ VH$ EH$ dm{f©H$sJ«mhr Or{dV h¡ V~ VH$ 64,900
Xo` dm{f©H$s Ho$ 100% VWm A§{V‘ CÎmaOrdr H$s ‘¥Ë`w
hmoZo na H«$` ‘yë` H$s dmngr Ho$ {bE àmdYmZ Ho$ gmW
OrdZ ^a Ho$ {bE g§`w³V OrdZ VmËH$m{bH$ dm{f©H$s
AmñW{JV dm{f©H$s…
{dH$ën 1 : EH$b OrdZ Ho$ {bE AmñW{JV dm{f©H$s 206,600
{dH$ën 2 : g§`w³V OrdZ Ho$ {bE AmñW{JV dm{f©H$s 227,200
Cn`w©³V {dH$ënm| Ho$ A§VJ©V ‘¥Ë`w-bm^m| Ho$ {bE H¥$n`m Cnamo³V
AZwÀN>oX 2 XoI|&
9. {dH$ën…
i) ‘¥Ë`w-bm^ Ho$ ^wJVmZ Ho$ {bE CnbãY {dH$ën…
g^r dm{f©H$s {dH$ënm| Ho$ A§VJ©V Ohm± ‘¥Ë`w hmoZo na bm^ Xo`
h¡ AWm©V² VmËH$m{bH$ dm{f©H$s Ho$ A§VJ©V {dH$ën F Am¡a
{dH$ën J Ed§ AmñW{JV dm{f©H$s Ho$ A§VJ©V XmoZm| {dH$ënm| Ho$
A§VJ©V Zm{‘V ì`p³V(`m|) H$mo ‘¥Ë`w-bm^ Ho$ ^wJVmZ Ho$ {bE
dm{f©H$sJ«mhr(dm{f©H$sJ«m{h`m|) H$mo {ZåZ{bpIV {dH$ënm| ‘| go EH$
{dH$ën H$m M`Z H$aZm hmoJm& V~ ‘¥Ë`w Xmdm am{e H$m ^wJVmZ
Zm{‘V ì`p³V H$mo dm{f©H$sJ«mhr (dm{f©H$sJ«m{h`m|) Ûmam à`w³V {dH$ën
Ho$ AZwgma {H$`m OmEJm VWm Zm{‘V ì`p³V(`m|) Ûmam {H$gr ^r
àH$ma H$m H$moB© n[adV©Z H$aZo H$s AZw‘{V Zht hmoJr&
· EH$‘wíV ‘¥Ë`w-bm^ … Bg {dH$ën Ho$ A§VJ©V gmam H«$` ‘yë`
/ ‘¥Ë`w-bm^ Zm{‘V ì`p³V(`m|) H$mo EH$‘wíV Xo` hmoJm&
·  ‘¥Ë`w-bm^ H$m dm{f©H$sH$aU … Bg {dH$ën Ho$ A§VJ©V
‘¥Ë`w na Xo` bm^ H$s am{e H$m Cn`moJ Zm{‘V ì`p³V(`m|)
Ho$ {bE {ZJ‘ go EH$ VmËH$m{bH$ dm{f©H$s IarXZo Ho$ {bE
{H$`m OmEJm& ‘¥Ë`w-Xmdo H$s ñdrH¥${V na Zm{‘V ì`p³V(`m|)
H$mo Xo` dm{f©H$s H$s am{e Zm{‘V ì`p³V(`m|) H$s Am`w Am¡a
dm{f©H$sJ«mhr (g§`w³V OrdZ dm{f©H$s Ho$ ‘m‘bo ‘| A§{V‘
CÎmaOrdr) H$s ‘¥Ë`w H$s VmarI H$mo àM{bV VmËH$m{bH$
dm{f©H$s Xam| na AmYm[aV hmoJr& Bg {dH$ën H$m Cn`moJ
‘¥Ë`w na Xo` bm^ H$s am{e nyU©V… AWdm A§eV… àmá
H$aZo Ho$ {bE {H$`m Om gH$Vm h¡& VWm{n, àË`oH$ Zm{‘V
ì`p³V(`m|) Ho$ {bE dm{f©H$s H$s ^wJVmZ Cg g‘` CnbãY
dm{f©H$s `moOZm Ho$ nmÌVm eVm] Am¡a Cg g‘` dm{f©{H$`m|
Ho$ {bE Ý`yZV‘ gr‘mAm| Ho$ g§~§Y ‘| àM{bV {d{Z`m‘H$
Cn~§Ym| Ho$ AYrZ hm|Jo&
·  {H$ñVm| ‘| : Bg {dH$ën Ho$ A§VJ©V ‘¥Ë`w na Xo` bm^ EH$‘wíV
am{e Ho$ ~Xbo 5 AWdm 10 df© AWdm 15 df© H$s M`{ZV
Ad{Y ‘| {H$ñVm| ‘| àmá {H$`m Om gH$Vm h¡& Bg {dH$ën H$m
15. YmoImY‹S>r, JbV ~`mZr Am¡a OãVr… ~r‘m A{Y{Z`‘,
à`moJ nm°{bgr Ho$ A§VJ©V Xo` ‘¥Ë`w-bm^ H$mo nyU©V… AWdm
A§eV… àmá H$aZo Ho$ {bE {H$`m Om gH$Vm h¡& dm{f©H$sJ«mhr/
àmW{‘H$ dm{f©H$sJ«mhr Ûmam {dH$ën Xr JB© am{e (AWm©V²
{Zdb Xmdm am{e) g§nyU© ‘yë` (Eo~gë`yQ> d¡ë`y) ‘| AWdm
Xo` Hw$b Xmdm AmJ‘ am{e Ho$ à{VeV Ho$ ê$n ‘| hmo gH$Vr h¡&
C³V {H$ñVm| H$m ^wJVmZ {dH$ën {X`o J`o ê$n ‘| dm{f©H$ AWdm
N>‘mhr AWdm {V‘mhr AWdm ‘m{gH$ A§Vambm| na A{J«‘ ê$n
go {H$`m OmEJm Omo ZrMo ~Vm`o J`o ê$n ‘| ^wJVmZm| H$s {d{^Þ
{d{Y`m| Ho$ {bE {H$ñV H$s Ý`yZV‘ am{e Ho$ AYrZ hmoJm…
{H$ñV Ho$ ^wJVmZ H$s {d{Y {H$ñV H$s Ý`yZV‘ am{e
‘m{gH$ é. 5000/-
{V‘mhr é. 15000/-
N>‘mhr é. 25000/-
dm{f©H$ é. 50000/-
`{X {Zdb Xmdm am{e dm{f©H$sJ«mhr / àmW{‘H$ dm{f©H$mJ«mhr
Ûmam à`w³V {dH$ën Ho$ AZwgma {H$ñV H$s Ý`yZV‘ am{e XoZo Ho$
{bE Ano{jV am{e go H$‘ h¡, Vmo {H$ñV H$s AmJ‘ am{e H$m
^wJVmZ EH$‘wíV hr {H$`m OmEJm&
Bg {dH$ën Ho$ A§VJ©V {H$ñVm| Ho$ ^wJVmZm| H$s JUZm H$aZo Ho$ {bE
bmJy ã`mO Xa g‘`-g‘` na {ZJ‘ Ûmam {ZYm©[aV H$s OmEJr&
ii) EZnrEg A{^XmVm Ûmam VmËH$m{bH$ dm{f©H$s (g^r dm{f©H$s
{dH$ën) boZo H$m {dH$ën g‘`-g‘` na bmJy n|eZ {Z{Y
{d{Z`m‘H$ Am¡a {dH$mg àm{YH$aU (nrE’$AmaS>rE) Ûmam
`Wm{ZYm©[aV eVm] Ho$ AYrZ hm|Jo&
iii) Bg `moOZm H$mo Š`wAmaAmonrEg (‘mÝ`Vmàmá {dXoern|eZ `moOZm
`mo½`Vm) Ho$ én ‘| IarXZo H$m {dH$ën:
`h `moOZm Š`wAmaAmonrEg Ho$ én ‘| `yHo$(UK) H$a amhV àmá
g§n{Îm`m| Ho$ hñVm§VaU Ho$ ‘mÜ`‘ go EME‘Amagr (ha ‘oOñQ>r
ao{dÝ`y EÊS> H$ñQ>åg) Ûmam {ZYm©[aV {Z`‘m| Am¡a eVm] Ho$ AYrZ
IarXr Om gH$Vr h¡&
i) dm{f©H$s ^wJVmZ Ho$ {bE Ý`wZV‘ Am`w 55 df© hmoJr
 (VmËH$m{bH$ dm{f©H$s Ho$ VhV Ý`wZV‘ àdoe H$s Am`w 55
df© hmoJr Am¡a AmpñÏJV dm{f©H$s Ho$ VhV Ý`wZV‘ {Z{hV
hmoZo H$s Am`w 55 df© hmoJr)
ii) A  Ja ‘«$s byH$ Ad{Y Ho$ Xm¡amZ nm°{bgr aÔ H$s OmVr h¡,
aÔH$s JB© nm°{bgr H$s AmJ‘ am{e H$m hñVm§VaU Cg {Z{Y
H$moe H$mo {H$`m OmEJm Ohm± go `h am{e àmá hþB© Wr&
iii)  EME‘Amagr Ho$ AÝ` {Z`‘ Ed§ eV] {Og àH$ma
g‘`-g‘` na bmJy hmoVr ahr h¡ Cgr àH$ma hm|Jr&
iv)  {dH$bm§J ({Xì`m§JOZ) Am{lV ì`p³V Ho$ bm^ Ho$ {bE ßbmZ
boZo H$m {dH$ën…
 `{X àñVmdH$ Ho$ nmg {dH$bm§J Am{lV ({Xì`m§JOZ) h¡ Vmo `h
ßbmZ {ZåZ{bpIV nÕ{V`m| ‘| {Xì`m§JOZ Ho$ {bE IarXr Om
gH$Vr h¡&
dm{f©H$s ({dH$ën 1) AWdm H«$` ‘yë` H$s dmngr Ho$ gmW
EH$b OrdZ VmËH$m{bH$ dm{f©H$s ({dH$ën F) IarX gH$Vm
h¡& dm{f©H$sJ«mhr (àñVmdH$) H$s ‘¥Ë`w hmoZo H$s pñW{V ‘|
‘¥Ë`w-bm^ H$m Cn`moJ A{Zdm`©V… {Xì`m§JOZ Ho$ OrdZ na
VmËH$m{bH$ dm{f©H$s IarXZo Ho$ {bE (dm{f©H$sJ«mhr Ûmam MwZo
J`o {dH$ën Ho$ AZwgma) {H$`m OmEJm&
I) àñVmdH$ {ÛVr`H$ dm{f©H$sJ«mhr Ho$ ê$n ‘| {Xì`m§JOZ H$mo
boVo hþE g§`w³V OrdZ VmËH$m{bH$ dm{f©H$s ({dH$ën I
AWdm J) IarX gH$Vm h¡&
{Xì`m§JOZ H$mo dm{f©H$s H$m ^wJVmZ Ý`yZV‘ dm{f©H$s Ho$ ^wJVmZ Ho$
g§~§Y ‘| {H$gr gr‘m AWdm H«$` ‘yë` ‘mZX§S> H$m {dMma {H$`o {~Zm
{H$`m OmEJm& Cnamo³V AZwÀN>oX 4 ‘| `Wm{d{Z{X©ï> àdoe na Ý`yZV‘
Am`w Ho$ à{V~§Y, {Xì`m§JOZ Ho$ OrdZ Ho$ {bE bmJy Zht hm|Jo&
10. Aä`n©U ‘yë`…
nm°{bgr H$m Aä`n©U nm°{bgr nyar hmoZo go VrZ ‘hrZo (AWm©V²
nm°{bgr Omar H$aZo H$s VmarI go 3 ‘hrZo) Ho$ ~mX AWdm ’« s-bwH$
Ad{Y H$s g‘m{á, Omo ^r ~mX ‘| hmo, Ho$ ~mX {H$gr ^r g‘` Ho$db
{ZåZ{bpIV dm{f©H$s {dH$ënm| Ho$ A§VJ©V {H$`m Om gH$Vm h¡…
H$. VmËH$m{bH$ dm{f©H$s-
·  {dH$ën F: H«$` ‘yë` H$s dmngr Ho$ gmW OrdZ Ho$ {bE
VmËH$m{bH$ dm{f©H$s&
·  {dH$ën J: O~ VH$ H$moB© EH$ dm{f©H$sJ«mhr Or{dV ahVm/ahVr
h¡ V~ VH$ Xo` dm{f©H$s Ho$ 100% Am¡a A§{V‘ CÎmaOrdr H$s
‘¥Ë`w hmoZo na H«$` ‘yë` H$s dmngr Ho$ àmdYmZ Ho$ gmW OrdZ
Ho$ {bE g§`w³V OrdZ VmËH$m{bH$ dm{f©H$s&
I. AmñW{JV dm{f©H$s-
· {dH$ën 1: EH$b OrdZ Ho$ {bE AmñW{JV dm{f©H$s
· {dH$ën 2: g§`w³V OrdZ Ho$ {bE AmñW{JV dm{f©H$s
`{X M`Z {H$`m J`m dm{f©H$s {dH$ën D$na {d{Z{X©ï> go {^Þ h¡,
Vmo nm°{bgr Ho$ Aä`n©U H$s AZw‘{V Zht Xr OmEJr& Aä`n©U
‘yë` H$m ^wJVmZ H$aZo na nm°{bgr H$m g‘mnZ hmo OmVm h¡ VWm
AÝ` g^r bm^ g‘má hmoVo h¢&
Aä`n©U Ho$ g‘` Xo` Aä`n©U ‘yë` / nm°{bgr {Z{hV H$aZo H$s
VmarI H$mo dm{f©H$sJ«mhr H$s Am`w (A§{V‘ OÝ‘{XZ) na {Z^©a hmoJm&
{Q>ßnUr…  ~r‘m nm°{bgr XrK©H$m{bH$ g§{dXm hmoZo Ho$ H$maU Bgo nm°{bgr
Omar aIZo Ho$ n[aàoú` go {b`m OmZm Mm{hE& O~{H$ D$na
C{„pIV {d{^Þ dm{f©H$s {dH$ënm| Ho$ A§VJ©V Aä`n©U Ho$
{bE àmdYmZ h¡, `h Ü`mZ aIm OmZm Mm{hE {H$ nm°{bgr
Ho$ Aä`n©U na H$m’$s ZwH$gmZ hmo gH$Vm h¡ VWm Bg H$maU
go `h Cn`w³V hmoJm {H$ nm°{bgr H$mo Omar aIm OmE&
11. F$U…
F$U H$s gw{dYm 1 nm°{bgr df© nyam hmoZo Ho$ ~mX CnbãY hmoJm& nm°{bgr
F$U H$s AZw‘{V Ho$db {ZåZ{bpIV dm{f©H$s {dH$ënm| Ho$ A§VJ©V hr hmoJr…
·  {dH$ën F: H«$` ‘yë` H$s dmngr Ho$ gmW OrdZ Ho$ {bE
VmËH$m{bH$ dm{f©H$s&
·  {dH$ën J: O~ VH$ H$moB© EH$ dm{f©H$sJ«mhr Or{dV ahVm/
ahVr h¡ V~ VH$ Xo` dm{f©H$s Ho$ 100% VWm A§{V‘
CÎmaOrdr H$s ‘¥Ë`w na H«$` ‘yë` H$s dmngr Ho$ {bE àmdYmZ
Ho$ gmW OrdZ Ho$ {bE g§`w³V OrdZ VmËH$m{bH$ dm{f©H$s&
I. AmñW{JV dm{f©H$s-
·  {dH$ën 1: EH$b OrdZ Ho$ {bE AmñW{JV dm{f©H$s
·  {dH$ën 2: g§`w³V OrdZ Ho$ {bE AmñW{JV dm{f©H$s
{ZJ‘ Ho$ Ûmam g‘`-g‘` na {d{Z{X©ï> H$s OmZodmbr eVm] Ho$
AYrZ F$U àmá {H$`m Om gH$Vm h¡&
12. H$a…
^maV gaH$ma AWdm {H$gr AÝ` ^maVr` g§d¡Ym{ZH$ H$a àm{YH$aU
Ho$ Ûmam Eogr ~r‘m ßbmZm| na bJm`o J`o gm§{d{YH$ H$a, `{X H$moB© hm|,
H$a H$mZyZm| Am¡a g‘`-g‘` na bmJy H$a H$s Xa Ho$ AZwgma hm|Jo&
{H$Ýht ^r bmJy H$am| H$s am{e àM{bV Xam| Ho$ AZwgma nm°{bgr Ho$ A§VJ©V
Xo` H«$` ‘yë` na Xo` hmoJr, Omo nm°{bgrYmaH$ Ûmam Xo` H«$` ‘yë` Ho$
A{V[a³V, AbJ go dgyb H$s OmEJr& AXm H$s JB© H$a H$s am{e na
ßbmZ Ho$ A§VJ©V Xo` bm^m| Ho$ n[aH$bZ Ho$ {bE {dMma Zht {H$`m OmEJm&
13. ’« s-bwH$ Ad{Y…
`{X nm°{bgrYmaH$ nm°{bgr H$s eVm] go g§Vïw > Zht h¡, Vmo nm°{bgr Amn{Îm`m|
Ho$ {bE H$maU ~VmVo hþE nm°{bgr ~m§S> H$s àm{á H$s VmarI go 15 {XZ
(`{X nm°{bgr Am°ZbmBb IarXr JB© hmo Vmo 30 {XZ) Ho$ A§Xa {ZJ‘
H$mo bm¡Q>mB© Om gH$Vr h¡& nm°{bgr dmng àmá hmoZo na {ZJ‘ nm°{bgr H$mo
{ZañV H$aoJm VWm ‘wÐm§H$ ewëH$ Ho$ {bE à^ma Am¡a àXÎm dm{f©H$s, `{X
H$moB© hmo, H$s H$Q>mV¡ r H$aZo Ho$ ~mX àXÎm H«$` ‘yë` dmng H$aoJm&
14. AndO©Z…
AmË‘hË`m…
VmËH$m{bH$ dm{f©H$s Ho$ {bE (Ho$db {dH$ën D$ Am¡a Am¡ Ho$ {bE)
`{X dm{f©H$sJ«mhr/àmW{‘H$ dm{f©H$sJ«mhr/{ÛVr`H$ dm{f©H$sJ«mhr
(Mmho Cg g‘` ñdñW hmo AWdm {d{já) OmopI‘ Ho$ àma§^ H$s
VmarI go 12 ‘hrZo Ho$ A§Xa {H$gr ^r g‘` AmË‘hË`m H$aVm/H$aVr
h¡ Vmo nm°{bgr A‘mÝ` hmoJr, am{e Omo àXÎm H«$` ‘yë` Ho$ 100%
AWdm Aä`n©U ‘yë`, XmoZm| ‘| Omo ^r A{YH$ h¡, Xo` hmoJr& {ZJ‘
{H$gr AÝ` Xmdo na {dMma Zht H$aoJm&
AmñW{JV dm{f©H$s Ho$ {bE…
`{X dm{f©H$sJ«mhr/àmW{‘H$ dm{f©H$sJ«mhr/{ÛVr`H$ dm{f©H$sJ«mhr
(Mmho Cg g‘` ñdñW hmo AWdm {d{já) OmopI‘ Ho$ àma§^ H$s
VmarI go 12 ‘hrZo Ho$ A§Xa {H$gr ^r g‘` AmË‘hË`m H$aVm/
H$aVr h¡ Vmo nm°{bgr A‘mÝ` hmoJr, am{e Omo àXÎm H«$` ‘yë` Ho$ 80%
AWdm Aä`n©U ‘yë`, XmoZm| ‘| Omo ^r A{YH$ h¡, Xo` hmoJr& {ZJ‘
{H$gr AÝ` Xmdo na {dMma Zht H$aoJm&
1938 H$s Ymam 45
YmoImY‹S>r, JbV ~`mZr Am¡a OãVr Ho$ g§~§Y ‘| ~r‘m A{Y{Z`‘,
g§nyU© {ddaU Ho$ {bE H¥$n`m g‘`-g‘` na `Wmg§emo{YV ~r‘m
A{Y{Z`‘, 1938 H$s Ymam 45 XoI|&
16. Ny>Q> H$m {ZfoY ~r‘m {d{Y (g§emoYZ) A{Y{Z`‘, 2015
Ûmam `Wmg§emo{YV ~r‘m A{Y{Z`‘, 1938 H$s Ymam 41
1) H$moB© ì`p³V {H$gr AÝ` ì`p³V H$mo, ^maV ‘| OrdZ `m g§n{Îm go
g§~{§ YV {H$gr ^r àH$ma Ho$ OmopI‘ Ho$ g§X^© ‘| H$moB© ~r‘m boZo `m
ZdrH¥$V H$admZo `m Omar aIZo Ho$ {bE, Xo` H$‘reZ na g§nUy © `m
Am§{eH$ [a`m`V `m nm°{bgr ‘| Xem©`o J`o àr{‘`‘ na {H$gr [a`m`V
Ho$ {bE àË`j `m namoj ê$n go àbmo^Z XoZo H$s AZw‘{V Zht XoJm
`m àbmo^Z XoZo H$m àñVmd Zht H$aoJm, Am¡a Z hr nm°{bgr boZo `m
ZdrH¥$V H$admZo dmbm H$moB© ì`p³V H$moB© [a`m`V ñdrH$ma Zht H$aoJm,
{Og‘| dh [a`m`V AndmX h¡ Omo ~r‘mH$Vm© Ho$ àH$m{eV àm°ñnoŠQ>gm|
`m gma{U`m| Ho$ AZwgma Xr Om gH$Vr h¡ ~eV} ~r‘m EO|Q> Ûmam AnZo
OrdZ na AnZo {b`o br JB© OrdZ ~r‘m nm°{bgr go OwS‹ >r ~r‘m EO|Q>
H$‘reZ H$s ñdrH¥${V H$mo Bg Cn-I§S> Ho$ AW© Ho$ A§Xa àr{‘`‘ H$s
[a`m`V H$s V~ ñdrH¥${V Zht ‘mZm OmEJm O~ Bg Vah H$s ñdrH¥${V
Ho$ g‘` ~r‘m EO|Q> ñWm{nV {ZYm©[aV eVm] H$mo nyam H$aVm h¡ {H$ dh
~r‘mH$Vm© Ûmam {Z`w³V àm‘m{UH$ ~r‘m EO|Q> h¡&
2) Bg Ymam Ho$ Cn~§Ym| Ho$ nmbZ ‘| MyH$ H$aZodmbm H$moB© ^r ì`p³V
Ow‘m©Zo Ho$ gmW X§S>Zr` hmoJm Omo Xg bmI én`o VH$ hmo gH$Vm h¡&
{Q>ßnUr… eV] bmJy h¢ {OZHo$ {bE H¥$n`m nm°{bgr XñVmdoO XoI|
AWdm h‘mao {ZH$Q>V‘ emIm H$m`m©b` go g§nH©$ H$a|&
Aàm‘m{UH$ ’ moZ H$m°bm| Ed§ ’µ $Ou / H$nQ>nU
y © àñVmdm| go gmdYmZ!
AmB©AmaS>rEAmB© OZgmYmaU Ho$ {bE ñnï> H$aVm h¡ {H$
·  AmB©AmaS>rEAmB© AWdm BgHo$ A{YH$mar Z Vmo {H$gr àH$ma
Ho$ ~r‘m `m {dÎmr` CËnmXm| Ho$ {dH«$` O¡gr J{V{d{Y`m| ‘|
g§~Õ h¢ Am¡a Z hr àr{‘`‘m| H$m {Zdoe H$aVo h¢&
· AmB©AmaS>rEAmB© {H$gr ^r àH$ma Ho$ ~moZg H$s KmofUm Zht H$aVm&

Eogo ‘$moZ-H$m°b àmá H$aZodmbo OZgmYmaU go AZwamoY h¡ {H$ do
‘$moZ-H$m°b Ho$ {ddaU d Z§~a Ho$ gmW nw{bg ‘| AnZr {eH$m`V
XO© H$admE±&
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· `h EH$ EH$b àr{‘`‘ ßbmZ h¡ {Og‘| nm°{bgrYmaH$ Ho$ nmg
VmËH$m{bH$ AWdm AmñW{JV dm{f©H$s H$mo MwZZo H$m {dH$ën h¡&
· dm{f©H$s Xa| XmoZm| VmËH$m{bH$ Am¡a AmñW{JV dm{f©H$s Ho$
{bE nm°{bgr Ho$ àma§^ go hr Jma§Q>rH¥$V h¢ VWm dm{f©{H$`m±
dm{f©H$sJ«mhr(dm{f©H$sJ«m{h`m|) Ho$ OrdZ H$mb ^a ‘| Xo` h¢&
· `h ßbmZ Am°µ’$bmBZ Ed§ Am°ZbmBZ IarXr Om gH$Vr h¡&
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www.licindia.in na bm°J-Am°Z H$a|&
2. dm{f©H$s {dH$ën…
VmËH$m{bH$ dm{f©H$s Ho$ A§VJ©V {ZåZ {dH$ën CnbãY h¢ :
{dH$ën A: OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s&
{dH$ën B:  5 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a CgHo$ ~mX
OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s&
{dH$ën C:  10 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a CgHo$ ~mX
OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s&
{dH$ën D:  15 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a CgHo$ ~mX
OrdZ ^a Ho$ {bE VmËH${bH$ dm{f©H$s&
{dH$ën E:  20 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a CgHo$ ~mX
OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s&
{dH$ën F:  H«$` ‘yë` H$s dmngr Ho$ gmW OrdZ ^a Ho$ {bE
VmËH$m{bH$ dm{f©H$s&
{dH$ën G:  3% à{V df© H$s gmYmaU ã`mO-Xa H$s ~‹T>moVar na
OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s&
{dH$ën H:  OrdZ ^a Ho$ {bE g§`w³V OrdZ VmËH$m{bH$
dm{f©H$s, àmW{‘H$ dm{f©H$sJ«mhr H$s ‘¥Ë`w na {ÛVr`H$
dm{f©H$sJ«mhr H$mo 50% dm{f©H$s Ho$ àmdYmZ Ho$ gmW
{dH$ën I:  OrdZ ^a Ho$ {bE g§`w³V OrdZ VmËH$m{bH$ dm{f©H$s,
XmoZm| ‘| go EH$ CÎmaOrdr dm{f©H$sJ«mhr H$mo CgHo$ OrdZ
^a Ho$ {bE 100% dm{f©H$s Ho$ àmdYmZ Ho$ gmW
{dH$ën J:  OrdZ ^a Ho$ {bE g§`w³V OrdZ VmËH$m{bH$ dm{f©H$s,
{H$gr EH$ CÎmaOrdr dm{f©H$sJ«mhr H$mo CgHo$ OrdZ
^a Ho$ {bE 100% dm{f©H$s Ho$ Xo` hmoZo VWm A§{V‘
CÎmaOrdr H$s ‘¥Ë`w na H«$` ‘yë` H$s dmngr Ho$ {bE
àmdYmZ Ho$ gmW&
AmñW{JV dm{f©H$s Ho$ A§VJ©V {ZåZ {dH$ën CnbãY h¢ :
{dH$ën 1: EH$b OrdZ Ho$ {bE AmñW{JV dm{f©H$s
{dH$ën 2: g§`w³V OrdZ Ho$ {bE AmñW{JV dm{f©H$s
3. bm^…
i) VmËH$m{bH$ dm{f©H$s…
VmËH$m{bH$ dm{f©H$s {dH$ënm| Ho$ A§VJ©V {ZåZ bm^ Xo` h¢:
{dH$ën bm^
{dH$ën A · dm{f©H$s Ho$ ^wJVmZ O~ VH$ dm{f©H$sJ«mhr Or{dV
ahVm/ahVr h¡, V~ VH$ ~H$m`m am{e Ho$ ê$n ‘|,
dm{f©H$s Ho$ ^wJVmZ H$s MwZr hþB© {d{Y Ho$ AZwgma
{H$`o OmE±Jo&
· dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo na H$moB© am{e Xo` Zht hmoJr
VWm dm{f©H$s H$m ^wJVmZ VËH$mb g‘má hmoJm&
{dH$ën · dm{f©H$s Ho$ ^wJVmZ O~ VH$ dm{f©H$sJ«mhr Or{dV
B, C, D, E ahVm/ahVr h¡, V~ VH$ ~H$m`m am{e Ho$ ê$n ‘|,
dm{f©H$s Ho$ ^wJVmZ H$s MwZr hþB© {d{Y Ho$ AZwgma
{H$`o OmE±Jo&
· Jma§Q>rH¥$V Ad{Y Ho$ Xm¡amZ dm{f©H$sJ«mhr H$s
‘¥Ë`w hmoZo na, dm{f©H$s Zm{‘V ì`p³V(`m|) H$mo
Jma§Q>rH¥$V Ad{Y Ho$ A§V VH$ Xo` hmoJr&
· Jma§Q>rH¥$V Ad{Y Ho$ ~mX dm{f©H$sJ«mhr H$s ‘¥Ë`w
hmoZo na, H$moB© am{e Xo` Zht hmoJr VWm dm{f©H$s
H$m ^wJVmZ VËH$mb g‘má hmoJm&
{dH$ën F · dm{f©H$s Ho$ ^wJVmZ O~ VH$ dm{f©H$sJ«mhr Or{dV
ahVm/ahVr h¡, V~ VH$ ~H$m`m am{e Ho$ ê$n ‘|
dm{f©H$s Ho$ ^wJVmZ H$s MwZr hþB© {d{Y Ho$ AZwgma
ii) AmñW{JV dm{f©H$s…
{H$`o OmE±Jo&
· dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo na dm{f©H$s H$m ^wJVmZ
VËH$mb g‘má hmoJm VWm H«$` ‘yë` Zm{‘V
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{ d H $ ë n · dm{f©H$s Ho$ ^wJVmZ O~ VH$ dm{f©H$sJ«mhr Or{dV
G ahVm/ahVr h¡ V~ VH$ ~H$m`m am{e Ho$ ê$n ‘|
dm{f©H$s Ho$ ^wJVmZ H$s MwZr hþB© {d{Y Ho$ AZwgma
{H$`o OmE±Jo&
· dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo na H$moB© am{e Xo` Zht
hmoJr VWm dm{f©H$s H$m ^wJVmZ VËH$mb g‘má
hmoJm&
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H Or{dV ahVm/ahVr h¡ V~ VH$ ~H$m`m am{e Ho$
ê$n ‘| dm{f©H$s Ho$ ^wJVmZ H$s MwZr hþB© {d{Y Ho$
AZwgma {H$`m OmEJm&
· àmW{‘H$ dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo na CÎmaOrdr
{ÛVr`H$ dm{f©H$sJ«mhr H$mo dm{f©H$s am{e H$m
50% V~ VH$ Xo` hmoJm O~ VH$ {ÛVr`H$
dm{f©H$sJ«mhr Or{dV ahVm/ahVr h¡& ~mX ‘|
{ÛVr`H$ dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo na dm{f©H$s
Ho$ ^wJVmZ g‘má hm|Jo&
·
`{X {ÛVr`H$ dm{f©H$sJ«mhr H$s ‘¥Ë`w àmW{‘H$ AmñWJZ Ad{Y Ho$ ~mX: g§`w³V OrdZ… g§`w³V OrdZ dm{f©H$s n[adma Ho$ {H$gr d§eO/ nyd©O Cn`w©³V
ii.  Ho$ A{V[a³V, Am°ZbmBZ, EZnrEg J«mhH$ Ed§
dm{f©H$sJ«mhr go nhbo hmoVr h¡, Vmo dm{f©H$s Ho$ ^wJVmZ (AWm©V² XmXm/XmXr/ZmZm/ZmZr, ‘mVm/{nVm, ~ƒo, Š`wAmaAmonrEg Ho$ VhV ~oMr JB© nm°{b{g`m| Ho$ {bE dm{f©H$s
·  dm{f©H$sJ«mhr H$m ^wJVmZ dm{f©H$s Ho$ ^wJVmZ
Omar ah|Jo Am¡a àmW{‘H$ dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo Ho$ MwZr hþB© {d{Y Ho$ AZwgma ~H$m`m am{e Ho$ nmoVm/nmoVr/ZmVr/Zm{VZ) AWdm nËZr/n{V AWdm H$s Xa ‘| d¥{Õ Ho$ Vm¡a na 2% H$s Ny>Q> ^r CnbãY hmoJr&
na g‘má hm|J&o ghmoXa ^mB© `m ~hZ Ho$ ~rM br Om gH$Vr h¡&
én ‘| V~ VH$ Xo` hmoJm O~ VH$ àmW{‘H$ 7.  dm{f©H$ nÕ{V H$mo N>mo‹S>H$a AÝ` Amd¥{Îm`m| Ho$ {bE
{dH$ën I · bmJy dm{f©H$s H$m 100% ^wJVmZ O~ VH$ àmW{‘H$ dm{f©H$sJ«mhr Am¡a/`m {ÛVr`H$ dm{f©H$sJ«mhr ‘mZX§S> VmËH$m{bH$ dm{f©H$s AmñW{JV dm{f©H$s AmñW{JV dm{f©H$s Ho$ A§VJ©V bmJy g‘m`moOZ H$maH$…
dm{f©H$sJ«mhr Am¡a/`m {ÛVr`H$ dm{f©H$J«mhr Or{dV Or{dV h¡&
ahVm/ahVr h¡, V~ VH$ ~H$m`m am{e Ho$ ê$n ‘| · A§{V‘ CÎmaOrdr H$s ‘¥Ë`w hmoZo na dm{f©H$s Ho$ àdoe na 85 df© (nyU©) {dH$ën 79 df© (nyU©) dm{f©H$ nÕ{V H$mo N>mo‹S>H$a AÝ` Amd¥{Îm`m| Ho$ {bE AmñW{JV
dm{f©H$s Ho$ ^wJVmZ Ho$ {bE MwZr hþB© {d{Y Ho$ ^wJVmZ VËH$mb g‘má hm|Jo VWm ‘¥Ë`w-bm^ A{YH$V‘ Am`w F H$mo N>mo‹S>H$a dm{f©H$s Ho$ A§VJ©V dm{f©H$s H$s Xa ‘| H$‘r H$s OmEJr& `h H$‘r
AZwgma {H$`m OmEJm& {ZåZ n[a^m{fV ê$n ‘| Zm{‘V ì`p³V(`m|) H$mo 100 df© (nyU©) {dH$ën {ZåZmZwgma h¡…
· O~ VH$ H$moB© EH$ dm{f©H$sJ«mhr Or{dV ahVm/
Xo` hmoJm& F Ho$ {bE
ahVr h¡ V~ VH$ dm{f©H$s H$s am{e H$m ^wJVmZ
nÕ{V dm{f©H$s H$s Xa (dm{f©H$) ‘| Ny>Q>
·  ‘Ë¥ `w-bm^… ‘¥Ë`w na Xo` bm^ (Ho$db AmñW{JV dm{f©H$s Ho$
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· A§{V‘ CÎmaOrdr H$s ‘¥Ë`w hmoZo na dm{f©H$s Ho$
Ad{Y {V‘mhr Ho$ {bE 3%
o H«$` ‘yë` Am¡a (ßbg) Cnm{O©V Jma§Q>rH¥$V n[adY©Zm| (O¡gm
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hmoJr&
{H$`o J`o Hw$b dm{f©H$s ^wJVmZ, `{X H$moB© hm|, H$mo KQ>mH$a AmñWJZ Ad{Y {Z{hVH$mar Am`w Ho$
{dH$ën J · bmJy dm{f©H$s H$m 100% ^wJVmZ O~ VH$ àmW{‘H$ o H«$` ‘yë` H$m 110% bmJy Zht AYrZ 8. CXmhaU…
Am¡a/`m {ÛVr`H$ dm{f©H$sJ«mhr Or{dV ahVm/ahVr h¡ H«$` ‘yë` :  é. 10 bmI (bmJy H$am|
V~ VH$ ~H$m`m am{e Ho$ ê$n ‘| dm{f©H$s Ho$ ^wJVmZ ·  Cnm{O©V Jma§Q>rH¥$V n[adY©Z (Ho$db AmñW{JV dm{f©H$s Ho$ Ý`yZV‘ 31 df© (nyU©)
‘m‘bo ‘| bmJy): Jma§Q>rH¥$V n[adY©Z àË`oH$ nm°{bgr ‘mh Ho$ A§V {Z{hVH$mar Am`w H$mo N>mo‹S>H$a)
Ho$ {bE MwZr hþB© {d{Y Ho$ AZwgma {H$`m OmEJm&
‘| Ho$db AmñWJZ Ad{Y Ho$ A§V VH$ hr Cnm{O©V hm|Jo& AmñWJZ àdoe na dm{f©H$sJ«mhr H$s Am`w :  45 df© (Eb~rS>r)
· dm{f©H$s H$m ^wJVmZ V~ VH$ Omar ahoJm O~ VH$ A{YH$V‘ 80 df© (nyU©)
H$moB© EH$ dm{f©H$sJ«mhr Or{dV ahVm/ahVr h¡& Ad{Y Ho$ Xm¡amZ Jma§Q>rH¥$V n[adY©Zm| Ho$ Xa {ZåZmZwgma hm|Jo: dm{f©H$s H$s nÕ{V : dm{f©H$
{Z{hVH$mar Am`w
· A§{V‘ CÎmaOrdr H$s ‘¥Ë`w hmoZo na dm{f©H$s Ho$  Jma§Q>rH¥$V n[adY©Z à{V ‘mh = (H«$` ‘yë` × dm{f©H$s Xa AmñWJZ Ad{Y :  20 df© (Ho$db AmñW{JV
^wJVmZ VËH$mb g‘má hm|Jo VWm H«$` ‘yë` Zm{‘V à{V df© ‘m{gH$ Vm¡a na Xo`) / 12 5. dm{f©H$s Ho$ ^wJVmZ H$s {d{Y… dm{f©H$s Ho$ {bE bmJy)
ì`p³V(`m|) H$mo Xo` hmoJm&  Ohm± dm{f©H$s Xa (à{Vdf©) ‘m{gH$ Vm¡a na Xo`, ‘m{gH$ dm{f©H$s
VmËH$m{bH$ Am¡a AmñW{JV dm{f©H$s Ho$ A§VJ©V CnbãY dm{f©H$s àdoe na {ÛVr`H$ dm{f©H$sJ«mhr H$s Am`w : 35 df© (Eb~rS>r)
Vm{bH$m Xa Ho$ ~am~a hmoJr VWm dm{f©H$sJ«mhr (dm{f©H$sJ«m{h`m|) H$s nÕ{V`m± dm{f©H$, N>‘mhr, {V‘mhr Am¡a ‘m{gH$ h¢& dm{f©H$s H$m (Ho$db g§`³w V OrdZ
H$s Am`w Am¡a {dH$ën ‘| Xr JB© AmñWJZ Ad{Y na {Z^©a hmoJr&
AmñW{JV dm{f©H$s Ho$ A§VJ©V {ZåZ bm^ Xo` h¢ : ^wJVmZ ~H$m`m am{e Ho$ ê$n ‘| Xo` hmoJm AWm©V² dm{f©H$s H$m ^wJVmZ dm{f©H$s Ho$ {bE bmJy)
AmñWJZ Ad{Y Ho$ Xm¡amZ dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo H$s pñW{V VmËH$m{bH$ dm{f©H$s {dH$ënm| Ho$ {bE nm°{bgr Ho$ àma§^ H$s VmarI go
{dH$ën bm^ ‘| nm°{bgr df©, {Og‘| ‘¥Ë`w K{Q>V hmo JB© hmo, Ho$ {bE Jma§Q>rH¥$V VWm AmñW{JV dm{f©H$ {dH$ënm| Ho$ {bE, {Z{hV H$aZodmbr VmarI go dm{f©H$s
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Zhr hmoJr ‘hrZo, 3 ‘hrZo Am¡a 1 ‘hrZo Ho$ ~mX hmoJm& VmËH$m{bH$ dm{f©H$s…
· dm{f©H$sJ«mhr H$s ‘¥Ë`w na {ZåZ n[a^m{fV ‘¥Ë`w 4. nmÌVm ‘mZX§S>…
6. CƒVa H«$` ‘yë` Ho$ {bE àmoËgmhZ… {dH$ën A: OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s 74,300
bm^ Zm{‘V ì`p³V(`m|) H$mo Xo` hmoJm& Ý`yZV‘ H«$` ‘yë`… é.1,50,000 ZrMo {d{Z{X©ï> {H$`o AZwgma
AmñWJZ Ad{Y Ho$ ~mX: Ý`yZV‘ dm{f©H$s Ho$ AYrZ hm|Jo XmoZm| VmËH$m{bH$ Am¡a AmñW{JV dm{f©H$s Ho$ A§VJ©V {ZåZ{bpIV {dH$ën B: 5 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a 74,200
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^wJVmZ Ho$ {bE MwZr hþB© {d{Y Ho$ AZwgma {Q>ßnU:  hmbm§{H$ EZnrEg O¡go {d{eï> ‘m‘bm| ‘| H$‘ H«$` ‘yë` H$s i.  dm{f©H$s H$s Xa ‘| d¥{Õ Ho$ Vm¡a na CƒVa H«$` ‘yë` Ho$ {bE {dH$ën C: 10 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a 73,900
dm{f©H$s H$s ^wJVmZ ~H$m`m am{e Xo` hmoJr& AZw‘{V Xr Om gH$Vr h¡ Am¡a `{X `h `moOZm Bg `moOZm àmoËgmhZ {ZåZmZwgma h¡… CgHo$ ~mX OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s
· dm{f©H$sJ«mhr H$s ‘¥Ë`w hmoZo na dm{f©H$s Ho$ ^wJVmZ
 Ho$ {Z`‘m| Am¡a eVm] Ho$ AZwgma {Xì`m§JOZ Ho$ bm^ Ho$ {dH$ën D: 15 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a 73,500
VËH$mb g‘má hm|Jo VWm {ZåZ n[a^m{fV én ‘| {bE IarXr JB© h¡& EZnrEg Ho$ {bE Bg Vah Ho$ ‘m‘bo ‘| à{V 1000/- H«$` ‘yë` Ho$ {bE (én`m| ‘|)
dm{f©H$s CgHo$ ~mX OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s
‘¥Ë`w na Xo` bm^ Zm{‘V ì`p³V(`m|) H$mo Xo` hmoJm& dm{f©H$s Xa EH$ H$‘r H$maH$ Ho$ AYrZ hmoJr& H$s 5,00,000 go 10,00,000 go 25,00,000 go 50,00,000 go 1,00,00,000
àdoe na Ý`yZV_ Am`w… 30 df© (nyU©) nÕ{V 9,99,999 24,99,999 49,99,999 99,99,999 Am¡a Cggo {dH$ën E: 20 df© H$s Jma§Q>rH¥$V Ad{Y Ho$ gmW Am¡a 72,900
{dH$ën 2 AmñWJZ Ad{Y Ho$ Xm¡amZ: A{YH$
Ý`yZV_ dm{f©H$s… VH$ VH$ VH$ VH$ CgHo$ ~mX OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s
· àmW{‘H$ Am¡a/`m {ÛVr`H$ dm{f©H$sJ«mhH$ Ho$ 1.50 2.10 2.45 2.60 2.70
Or{dV ahZo na H$moB© am{e Xo` Zht hmoJr& dm{f©H$ {dH$ën F: H«$` ‘yë` H$s dmngr Ho$ gmW OrdZ ^a Ho$ 65,400
dm{f©H$s H$s nÕ{V ‘m{gH$ {V‘mhr N>‘mhr dm{f©H$ N>‘mhr 1.40 2.00 2.35 2.50 2.60 {bE VmËH$m{bH$ dm{f©H$s
· A§{V‘ CÎmaOrdr H$s ‘¥Ë`w hmoZo na Zm{‘V
ì`p³V(`m|) H$mo {ZåZ n[a^m{fV ê$n ‘| ‘¥Ë`w- Ý`yZV‘ dm{f©H$s é. 1000 é. 3000 é. 6000 é. 12000 {V‘mhr 1.35 1.95 2.30 2.45 2.55 {dH$ën G: 3% à{V df© H$s gmYmaU ã`mO-Xa na 56,200
bm^ Xo` hmoJm& à{V ‘mh à{V {V‘mhr à{V N>‘mhr à{V df© ‘m{gH$ 1.30 1.90 2.25 2.40 2.50 ~‹T>Zodmbr OrdZ ^a Ho$ {bE VmËH$m{bH$ dm{f©H$s