Insurance Regulation 2049nepali
Insurance Regulation 2049nepali
Insurance Regulation 2049nepali
ladf P]g, @)$( sf] bkmf $& n] lbPsf] clwsf/ k|of]u u/L g]kfn ;/sf/n] b]xfosf
lgodx? agfPsf] 5 .
kl/R5]b— !
k|f/lDes
1
kl/R5]b – @
ladf Joj;fosf] lsl;d
#= ladf Joj;fosf] lsl;d M -!_ P]g / o; lgodfjnLsf clwgdf /xL ladsn] ug]{ ladf
Joj;fonfO{ b]xfosf lsl;ddf ljefhg ul/g]5 M–
-s_ hLjg ladf Joj;fo .
-v_ lghL{jg ladf Joj;fo .
-u_ k'gla{df Joj;fo .
-@_ pklgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg g]kfn ;/sf/n] ;ldltsf] k/fdz{ lnO{
cfjZostfg';f/ ladf Joj;fosf] cGo lsl;dx? ;d]t tf]Sg ;Sg]5 .
$= hLjg ladf Joj;foM -!_ hLjg ladf Joj;fo cGtu{t ladsn] b]xfosf ladf Joj;fo
ug{ ;Sg]5g\M—
-s_ cfhLjg hLjg ladf .
-v_ ;fjlws hLjg ladf .
-u_ DofbL hLjg ladf .
-@_ pklgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg ;ldltn] cfjZostfg';f/ hLjg ladf
Joj;fosf] cGo lsl;dx? ;d]t tf]Sg ;Sg]5 .
-#_ o; lgodadf]lhd ul/g] hLjg ladfsf] n]vsf zt{ Pj+ ;'ljwfx? ;ldltn]
tf]lslbPadf]lhd x'g]5 .
%= lghL{jg ladf Joj;fo M -!_ lghL{jg ladf Joj;fo cGtu{t ladsn] b]xfosf ljdf Joj;fo
ug{ ;Sg]5g\ M–
-s_ cUgL ladf .
-v_ df]6/ ladf .
-u_ ;fd'lb|s ladf .
-3_ OlGhlgol/Ë tyf 7]s]bf/ hf]lvd ladf ,
-ª_ xjfO{ ladf .
# -r_ ljljw aLdf .
-@_ pklgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg ;ldltn] cfjZostfg';f/
lghL{jgladf Joj;fosf] cGo lsl;dx? ;d]t tf]Sg ;Sg]5 .
-#_ o; lgodadf]lhd ul/g] lghL{ag ladfsf] n]vsf zt{ Pj+ ;'ljwfx? ;ldltn]
tf]lslbPadf]lhd x'g]5 .
# klxnf] ;+zf]wgåf/f yk ul/Psf]
2
^= k'gla{df Joj;fo M
-!_ ladsn] cfkm"n] wf/0f ug]{ hf]lvd wf/0f u/L afFsL /x]sf] hf]lvdsf] k'gla{df u/fpg
;Sg]5 .
-@_ pklgod -!_ jdf]lhd ul/g] k'gla{df Joj;fosf] lsl;d tyf cGo Joj:yfx? ;ldltn]
tf]lsPadf]lhd x'g]5 .
kl/R5]b—#
lads ;DjGwL Joj:yf
&= ladssf] btf{sf] nflu lgj]bg lbg'kg]{ M -!_ ladf Joj;fo ug{ rfxg] :jb]zL jf ljb]zL
;+ul7t ;+:yfn] ladssf] ?kdf cfˆgf] gfd btf{ ug{sf] nflu krf; xhf/ ?k}+ofF lads btf{
b:t'/ ;d]t ;+nUg /fvL cg';'rL–! adf]lhdsf] 9fFrfdf ;ldltsf] sfof{nodf lgj]bg
lbg'kg]{5 .
-@_ pklgod -!_ adf]lhd lgj]bg lbg] ;+ul7t ;+:yfn] lgj]bg;fy P]gsf] bkmf !) sf] pkbkmf
-@_ df plNnlvt sfuhftx?sf cltl/Qm b]xfosf ljj/0fx?nfO{ k'i6ofFO{ ug]{ cGo cfjZos
sfuhftx? ;d]t ;+nUg ug'{kg]{ 5 .
-s_ ladf Joj;fo ubf{ ;+ul7t ;+:yfn] wf/0f ug]{ s'n bfloTj ;f] ;+ul7t ;+:yfsf]
s'n ;DklQ eGbf a9L gePsf] .
-v_ ljb]zL ;+ul7t ;+:yf eP To:tf] ;+ul7t ;+:yfn] g]kfn clw/fHo leq ug]{ ladf
Joj;fosf] s'n bfloTj lgjf{x ug{sf] nflu ;f] ;+ul7t ;+:yfsf] gfddf g]kfn
clw/fHoleq kof{Kt ;DklQ /x]sf] .
-u_ ;+ul7t ;+:yfsf] tkm{jf6 ladf Joj;fo ;+rfng ug]{ ;DjGwdf k|d'vsf] x}l;otaf6
bfloTj lgjf{x ug]{ Joj:yfkssf] gfd, 7]ufgf / of]Uotf v'n]sf] k|df0fkq .
-3_ ljb]zL ladssf] ?kdf btf{ ePsf] ;+ul7t ;+:yf eP ;DalGwt d'n'ssf] clwsf/ k|fKt
clwsf/Ljf6 ;f] d'n'ssf] k|rlnt sfg"g adf]lhd ladf Joj;fo ug{ k|fKt u/]sf]
k|df0fkq .
-ª_ ====== .
3
*= ladssf] gfd btf{ u/L k|df0fkq lbg'kg]{ M -!_ lgod & adf]lhd ladssf] ?kdf cfˆgf] gfd
btf{ ug{sf] nflu s'g} :jb]zL jf ljb]zL ;+ul7t ;+:yfsf] lgjb]g k|fKt ePkl5 ;ldltn] pQm
lgj]bg pk/ cfjZos hfFra'em u/L lgj]bs ;+ul7t ;+:yf;Fu s'g} s'/f a'‰gkg]{ eP ;f] s'/f
;d]t a'emL To;f] lgj]bs ;+ul7t ;+:yfsf] gfd ladssf] ?kdf cg';'rL – @ adf]lhdsf] btf{
lstfadf btf{ ug'{kg]{5 .
-@_ pklgod -!_ adf]lhd lgj]bs ;+ul7t ;+:yfsf] gfd btf{ lstfjdf btf{ u/L ;s]kl5
;ldltn] To:tf] lgj]bs ;+ul7t ;+:yfn] ug{ kfpg] ladf Joj;fosf] lsl;d ;d]t pNn]v
u/L cg';'rL – # adf]lhdsf] 9fFrfdf k|df0fkq lbg'kg]{5 .
(= k|df0fkq gjLs/0f ;DjGwL Joj:yf M -!_ ladsn] cfˆgf] k|df0fkq gjLs/0f u/fpgsf] nflu
P]gsf] bkmf !! adf]lhdsf] Dofbleq gjLs/0f b:t"/ jfkt krf; xhf/ ?k}+ofF ;d]t ;+nUg
/fvL cg';"rL—$ adf]lhdsf] 9fFrfdf ;ldltsf] sfof{nodf lgj]bg lbg'kg]{5 .
-@_ pklgod -!_ adf]lhd gjLs/0fsf] nflu lgj]bg lbg] ladssf] k|wfg sfof{no g]kfn
clw/fHoaflx/ eP To:tf] ljb]zL ladsn] cfˆgf] d'n'ssf] clwsf/ k|fKt clwsf/Laf6 ;f]
d'n'ssf] k|rlnt sfg"g adf]lhd ladf Joj;fo ug{ k|fKt u/]sf] k|df0fkq gjLs/0f u/]sf]
lg:;f ;d]t o; lgod adf]lhd gjLs/0fsf] nflu lbg] lgj]bg;fy ;+nUg u/]sf] x'g' kg]{5
.
-#_ o; lgodadf]lhd k|df0fkq gjLs/0fsf] nflu P]gsf] bkmf !! sf] pkbkmf -!_ df
tf]lsPsf] Dofb g3fO ladssf] lgj]bg k|fKt ePdf ;ldltn] P]gsf] bkmf !! sf] pkbkmf -
#_ sf clwgdf /xL k|df0fkq gjLs/0f ul/lbg ;Sg]5 .
!)= k|df0fkqsf] dfGotf :jtM /2 x'g] M P]gsf] bkmf !! sf] pkbkmf -#_ adf]lhdsf] cjlwleq klg
k|df0fkq gjLs/0f x'g g;s]df To:tf] k|df0fkqsf] dfGotf :jtM /2 x'g]5 .
!!= k'g btf{ x'g ;Sg] M -!_ lgod !) adf]lhd k|df0fkqsf] dfGotf /2 ePsf] ;+ul7t ;+:yfn]
k'gM jLdf Joj;fo ug{ rfx]df lgod & adf]lhd ljdssf] ?kdf cfˆgf] gfd btf{ u/fpgsf]
nflu k'gM lgj]bg lbg'kg]{ 5 .
-@_ pklgod -!_ adf]lhd s'g} ;+ul7t ;+:yfsf] lgj]bg k/]df ;ldltn] ;+ul7t ;+:yfn]
ladssf] ?kdf ladf Joj;fo ;+rfng ubf{ P]g, o; lgodfjnL / ;ldltn] ;do–;dodf
lbPsf] lgb]{zgsf clwgdf /xL k]zfut cfr/0fsf] kfng u/] gu/]sf] ;d]t hfFra'em u/L
pko'Qm b]v]df lgod & df pNn]lvt b:t'/sf cltl/Qm kRrL; xhf/ ?k}+ofF yk b:t'/
;d]t lnO{ Tof:tf] ;+ul7t ;+:yfsf] gfd btf{ lstfadf k'gM btf{ u/L ;f] ;+ul7t ;+:yfnfO{
gofF k|df0fkq lbg'kg]{ 5 .
4
# !!s= aLdf Joj;fodf nufOPsf] /f]s k'ms'jf ug]{ M -!_ P]gsf] bkmf !@s= jdf]lhd aLdf Joj;fodf
nufOPsf] /f]ssf] ;DaGwdf xfn To:tf] /f]s nufO{ /xg' kg]{ cj:yf ljBdfg g/x]sf] egL
;DalGwt aLdsn] To:tf] cj:yf ljBdfg g/x]sf] ldltn] k}+tL; lbgleq cfjZos
k|df0fx?;d]t ;+nUg /fvL ;ldlt ;dIf lgj]bg lbg' kg]{5 .
-@_ pklgod -!_ jdf]lhd lbOPsf] lgj]bgdf plNnlvt cj:yfx? tyf ;f] ;fy ;+nUg
k|df0fx? ;Gtf]ifhgs b]lvPdf ;ldltn] aLdf Joj;fodf nufOPsf] /f]s k'ms'jf ug{ ;Sg]5 .
;ldltn] o;/L aLdf Joj;fodf nufOPsf] /f]s k'ms'jf ubf{ To;/L k'ms'jf ug]{ /f]s cf+lzs
/f]s eP bz xhf/ ?k}ofF / k"0f{ /f]s eP kRrL; xhf/ ?k}ofF ;DalGwt aLdsnfO{ hl/jfgf
u/L aLdf Joj;fodf nufOPsf] To:tf] /f]s k'ms'jf ug{ ;Sg]5 .
!@= aLdsn] cGo If]qdf nufgL ubf{ l:js[tL lng'kg]{ M ladsn] ;ldltn] tf]lslbPsf] If]q afx]s
cGo If]qdf nufgL ubf{ ;ldltsf] k"j{ :jLs[lt lng' kg]{ 5 .
!#= C0f lbg jf nufgL ug{df k|ltjGw M o; lgoddf cGoq h'g;'s} s'/f n]lvPsf] eP tfklg
ladssf] ;+rfns ;ldltsf] s'g} klg ;b:o ;+rfns ePsf] jf To:tf] ;b:osf] ljQLo
:jfy{lglxt ePsf] s'g} klg ;+ul7t ;+:yfnfO{ ladsn] s'g} klg lsl;dsf] C0f lbg jf nufgL
ug{ kfpg] 5}g .
# :ki6Ls/0f M o; lgodsf] k|of]hgsf] nflu æljQLo :jfy{Æ eGgfn] aLdssf] ;+rfns jf lghsf]
Psf3/ kl/jf/sf ;b:on] s'g} sDkgL jf ;+ul7t ;+:yfsf] r'Qmf k"FhLsf] bz
k|ltzt jf ;f] eGbf a9L /sdsf] 5'§f 5'§} jf ;+o'Qm ?kdf z]o/ vl/b u/]sf] /x]5
eg] To:tf] sDkgL jf ;+ul7t ;+:yfdf aLdssf] ;+rfnssf] ljQLo :jfy{ lglxt
/x]sf] dflgg]5 .
5
!$= ljj/0f k]z ug'{kg]{ M -!_ PseGbf a9L ladf Joj;fo ug]{ ladsn] P]gsf] bkmf @) sf]
pkbkmf -@_ adf]lhd k|To]s ladf Joj;fosf] lx;fj lstfj :ki6 ?kdf 5'§f5'§} /fvL
cg';'rL—% adf]lhdsf] 9fFrfdf ;f] sf] ljj/0f k|To]s cfly{s aif{ ;dfKt ePsf] ^
dlxgfleq ;ldltsf] sfof{nodf k]z ug'kg]{5 .
:ki6Ls/0f M æcg';'rL – %Æ eGgfn] cg';'rL— % sf] v08 æsÆ, ævÆ, æuÆ, æ3Æ,
æªÆ, ærÆ, æ5Æ, æhÆ, æemÆ, æ`Æ, æ6Æ, æ7Æ, æ8Æ, / æ9Æ nfO{ ;d]t hgfpF5 .
-@_ ladsn] cfˆgf] ;Dklt / bfloTjsf] ;Dk"0f{ ljj/0f cg';"rL —^ adf]lhdsf] 9fFrfdf k|To]s
cfly{s aif{ ;dfKt ePsf] ^ dlxgfleq ;ldltsf] sfof{nodf k]z ug'{ kg]{5 .
!%= hu]8f sf]ifdf hDdf ug'{kg]{ /sd M ladsn] g]kfn clw/fHoleqsf] cfˆgf] ladf Joj;fo
;DjGwL bfloTjsf] lgldQ P]gsf] bkmf @@ adf]lhd v8f u/]sf] hu]8f sf]ifdf b]xfoadf]lhd
/sd hDdf ug'{kg]{ 5 M—
-s_ hLjg ladf Joj;fo ug]{ ladsn] g]kfn clw/fHodf k|sflzt u/]sf] ladf n]vsf]
cfwf/df lad+fsLn] tf]lslbPsf] ;Dk"0f{ bfloTjdf sd gx'g] /sd .
-v_ lghL{jg ladf Joj;fosf] cfDbfgL vr{df b]vfOPsf] v'b ladf z'Nssf] 36Ldf krf;
k|ltzt /sd .
-u_ lghL{jg ladf Joj;fo ubf{ ladssf] r'Qmf k"FhLsf] a/fj/ geP;Dd d'gfkmf x'g
cfPsf] /sdsf] krf; k|ltzt .
t/ ;fd'lb|s ladfsf] ;DjGwdf sDtLdf tLg aif{;Dd hu]8f sf]ifdf /flvPsf]
/sdnfO{ d'gfkmfdf u0fgf ul/g] 5}g .
-3_ ladsn] k|To]s cfly{s aif{ ;dfKt x'g'cl3 bfjL e'QmfgL jfkt afFsL /sdsf] Ps ;o
kGw| k|ltzt /sd .
# !%s=hLjg aLdf tyf lghL{jg aLdf Joj;fo ub}{ cfPsf aLdsn] cnu cnu ;+:yfsf] ?kdf
aLdf Joj;fo ug'{ kg]{ M -!_ sf]if lgod k|f/De x'g'eGbf cl3 hLjg aLdf tyf lghL{jg
aLdf Joj;fo ;+rfng ug]{ u/L btf{ eO{ hLjg aLdf tyf lghL{jg aLdf Joj;fo ;+rfng
ub}{ cfPsf aLdsn] ;ldltn] tf]s]sf] ldltb]lv hLjg aLdf / lghL{jg aLdf Joj;fo ug]{
cnu—cnu ;+:yfsf] ?kdf aLdf Jojf;o ug'{ kg]{5 .
6
-@_ pklgod -!_ jdf]lhd hLjg aLdf / lghL{jg aLdf Joj;fo ug]{ cnu–cnu ;+:yfsf]
?kdf aLdf Jojf;o ubf{ aLdsn] b]xfosf zt{x? k"/f ug'{ kg]{5 .
-s_ k|aGwkq tyf lgodfjnLdf ;+zf]wg u/L ub}{ cfPsf] b'O{ aLdf Joj;fodWo] s'g} Ps
aLdf Joj;fo dfq ug]{ Joj:yf ug]{ / csf]{ aLdf Joj;fo ;+rfng ug{sf] lgldQ
k|rlnt sfg"gsf cwLgdf /xL csf]{ ;+:yf v8f ug]{ .
-v_ v08 -s_ jdf]lhd aLdf Joj;fo ug]{ cnu cnu ;+:yfsf] Joj:yfkg cnu–cnu
?kdf ug]{ .
-u_ k|To]s ;+:yfsf] nflu cnu–cnu ?kdf e'QmfgL k"FhL p7fpg] Joj:yf ug]{ .
-3_ hLjg aLdf / lghL{jg aLdf Joj;fo cnu–cnu 9+uaf6 ;~rfng ug]{ ;DaGwdf
;ldltn] tf]lslbPsf cGo zt{x? k"/f ug]{ .
-#_ pklgod -!_ / -@_ jdf]lhd hLjg aLdf / lghL{jg aLdf Joj;fo ug]{ cnu–cnu
;+:yfsf] ?kdf aLdf Joj;fo ubf{ aLdsn] P]gsf] bkmf @! jdf]lhdsf] aLdf sf]ifdf
hDdf /x]sf] /sddWo] hLjg aLdftkm{sf] /sd hLjg aLdf Joj;fo ug]{ ;+:yfsf] gfddf
/ lghL{jg aLdftkm{sf] /sd lghL{jg aLdf Joj;fo ug]{ ;+:yfsf] gfddf 5'§f 5'§} aLdf
sf]if v8f u/L hDdf ug'{ kg]{5 .
!^= ladssf] Joj:yfkg vr{ M ladsn] ladf Joj;fo ubf{ z'Ns jfkt cfDbfgL u/]sf] s'n
/sddWo] ;fd'lb|s ladfsf] ;DjGwdf kRrL; k|ltzt;Dd / cGo ladfsf ;DjGwdf tL;
k|ltzt;Dd Joj:yfkg sfo{tkm{ vr{ ug{ ;Sg]5 .
t/ ladf sfof{no :yfkgf / ofGqLs/0f ubf{ ePsf] vr{nfO{ Joj:yfkg vr{df ;dfj]z
ul/g] 5}g .
!&= ladf Joj;fosf] lj:tf/ ug{ :jLs[lt lng'kg]{ M -!_ ladsn] k|df0fkq k|fKt ubf{ ladf
Joj;fo ug{ kfpg] :jLs[lt k|fKt aLdf Joj;fosf lsl;dsf cltl/Qm cGo ladf Joj;fo
ug{ rfx]df ;ldltsf] :jLs[lt lng'kg]{ 5 .
-@_ s'g} ladsn] yk zfvf sfof{nox? vf]nL cfkm"n] ug]{ ladf Joj;fosf] lj:tf/ ug{
rfx]df ug{ ;ldltsf] :jLs[lt lng'kg]{ 5 .
!*= z'Nssf] b/ M -!_ ladsn] aLdf Joj;fo ubf{ laldt;Fu lng kfpg] z'Nssf] b/ lgwf{/0f ug{
;Nnfxsf/ ;ldltn] ;ldltnfO{ cfjZos ;Nnfx k|bfg ug]{5 .
-@_ pklgod -!_ adf]lhd ;Nnfxsf/ ;ldltsf] k/fdz{df ;ldltåf/f lgwf{l/t b/df km/s
kg]{ u/L s'g} klg ladsn] z'Ns b/ lgwf{/0f u/L ladf Joj;fo ug{ kfpg] 5}g .
7
# -#_ pklgod -@_ jdf]lhd ;ldltåf/f lgwf{l/t aLdf z'Nssf] b/df km/s kg]{ u/L s'g}
aLdsn] aLdf Joj;fo u/] u/fPdf ;ldltn] To:tf] aLdsn] ub}{ cfPsf] aLdf
Joj;fonfO{ k"0f{ jf cf+lzs ?kdf /f]s nufO{ jf /2 u/L To:tf] aLdf Joj;fo To;
eGbf cl3 cGo s'g} aLdsn] ub}{ cfPsf] eP ;f] aLdf Joj;fo k"j{ aLds g} / k"j{
aLds ePsf] cj:yfdf cGo aLdsdf x:tfGt/0f ug]{ Joj:yf ug'{ kg]{5 .
kl/R5]b — $
ladf clestf{ ;DjGwL Joj:yf
!(= aLdf clestf{ Ohfhtkqsf] nflu lgj]bg lbg' kg]{ M P]gsf] bkmf #) sf] pkbkmf -!_
adf]lhd ljdf clestf{sf] ?kdf sfd ug{ rfxg] lgod @! Dff pNn]lvt of]Uotf k'u]sf]
JolQm jf To:tf] of]Uotf k'u]sf] s'g} JolQm ;+rfns /x]sf] ;+ul7t ;+:yfn] ;DjlGwt
ladssf] l;kmfl/z;lxt cg';"rL—& adf]lhdsf] 9fFrfdf ladf clestf{sf] Ohfhtkqsf]
nflu ;ldltsf] sfof{nodf lgj]bg lbg'kg]{5 .
@)= ladf clestf{sf] Ohfhtkq lbg'kg]{ M -!_ lgod !( adf]lhd ladf clestf{sf] Ohfhtkqsf]
nflu lgj]bg k|fKt ePkl5 ;ldltn] lgod @! adf]lhd lgj]bssf] of]Uotf k'u] gk'u]sf]
hfFra'em u/L lghnfO{ ladf clestf{sf] ?kdf cg';'rL –* adf]lhdsf] btf{ lstfjdf btf{
ug'{kg]{ 5 .
-@_ pklgod -!_ adf]lhd lgj]bssf] gfd btf{ lstfadf btf{ u/L ;s]kl5 ;ldltn]
lgj]bs;Fu ladf clestf{sf] Ohfhtkq jfkt nfUg] kfFr ;o ?k}ofF b:t'/ lnO{ lghn]
aLdf clestf{sf] x}l;otjf6 sfd ug{ kfpg] ladf Joj;fo ;d]t :ki6 ?kdf pNn]v
u/L cg';'rL —( adf]lhdsf] 9fFrfdf lghnfO{ aLdf clestf{sf] Ohfhtkq lbg'kg]{5 .
@!= aLdf clestf{sf] nflu of]Uotf M -!_ lgod !( adf]lhd ladf clestf{sf] Ohfhtkqsf]
nflu lgj]bg lbg rfxg] lgj]bssf]] of]Uotf b]xfo jdf]lhd x'g' kg]{5 M–
-s_ sDtLdf P;=Pn=;L+ jf ;f] ;/x k/LIff pQL0f{ u/]sf], /
-v_ ;ldlt jf ;ldltjf6 dfGotf k|fKt u/]sf] ;+:yfn] aLdf clestf{sf] nflu ;+rfng
u/]sf] ;DalGwt aLdf Joj;fo ;DaGwL tfnLddf ;xefuL eO{ k|df0fkq k|fKt u/]sf]
.
8
-@_ pklgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg aLdf clestf{sf] Ohfhtkqsf] nflu
lgj]bg lbg rfxg] lgj]bs ;+ul7t ;+:yf eP To:tf] ;+ul7t ;+:yfsf] s'g} Ps hgf
;+rfnssf] of]Uotf ;f]xL pklgodsf] v08 -s_ / -v_ df pNn]v eP jdf]lhd x'g' kg]{5 .
@@= aLdf clestf{sf] Ohfhtkq gjLs/0f ;DjGwL Joj:yf M -!_ ladf clestf{n] cfˆgf]
Ohfhtkq gjLs/0f u/fpgsf] nflu P]gsf] bkmf #! sf] pkbkmf -!_ jdf]lhdsf] Dofbleq
gjLs/0f b:t'/ jfkt b'O{ ;o ?k}ofF ;d]t ;+nUg /fvL cg';'rL —!) adf]lhdsf] 9fFRffdf
;ldltsf] sfof{nodf lgj]bg lbg'kg]{5 . o;/L lgj]bg k|fKt ePdf ;ldltn] To:tf] ladf
clestf{sf] Ohfhtkq gjLs/0f ul/lbg' kg]{5 .
-@_ pklgod -!_ adf]lhdsf] Dofbleq s'g} ladf clestf{n] cfˆgf] Ohfhtkq gjLs/0fsf]
nflu lgj]bg lbg g;s]sf] sf/0f v'nfO{ ;ldltsf] sfof{nodf lgj]bg lbPdf / ;f] sf/0f
d'gfl;j b]lvPdf ;ldltn] gjLs/0fsf] Dofb gf3]sf] klxnf] b'O{ dlxgf;Ddsf] nflu Ps
;o ?k}ofF / To;kl5sf] rf/ dlxgf ;Ddsf] nflu k|lt lbg kfFr ?k}+ofF yk b:t'/ lnO{
To:tf] ladf clestf{sf] Ohfhtkq gjLs/0f u/L lbg ;Sg]5 .
-@_ pklgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg s'g} aLdsn] hLjg tyf lghL{jg
dWo] s'g} Ps aLdf Joj;fo dfq ;+rfng u/]sf] ePdf To:tf] aLdssf] aLdf
clestf{n] ;f] aLdsn] ;+rfng gu/]sf] aLdf Joj;fo ;+rfng ug]{ s'g} csf]{
aLdssf] aLdf clestf{ ;d]t eO{ sfo{ ug{ ;Sg]5 .
$ @@v= aLdf clestf{sf] cfrf/;+lxtfM aLdf clestf{sf] cfrf/ ;+lxtf ;ldltn]
tf]lslbPjdf]lhd x'g]5 .
@#= ladf clestf{n] kfpg] sldzg /sd M -!_ s'g} klg ladf clestf{nfO{ laldtn] a'emfpg]
z'Ns /sddf b]xfodf n]lvP eGbf a9L x'g] u/L sldzg /sd lbOg] 5}gM—
9
@$= sfd u/]sf] cjlwsf] sldzg kfpg] M ladf clestf{sf] Ohfhtkq gjLs/0f gu/fPsf]
sf/0fjf6 P]gsf] bkmf ## adf]lhd vf/]h ePtf klg lghn] To:tf] gjLs/0f gu/fPsf]
cjlwcl3 ladf Joj;fo ;DjGwL s'g} sfd u/]sf] /x]5 eg] ladsn] lghnfO{ lgod @#
adf]lhd kfpg] sldzg jfktsf] /sd lbg' kg]{5 .
@%= xsjfnfn] sldzg /sd kfpg] M o; lgodfjnL adf]lhd ladf clestf{n] kfpg] sldzg
/sd lng gkfpFb} lghsf] d[To' x'g uPdf lghn] kfpg] sldzg /sd lghsf] xsjfnfn]
kfpg]5 .
kl/R5]b — %
;e]{o/ ;DjGwL Joj:yf
@^= ;e]{o/sf] Ohfhtkqsf] nflu lgj]bg lbg'kg]{ M P]gsf] bkmf ##)s=sf] pkbkmf -!_ adf]lhd
;e]{o/sf] ?kdf sfd ug{ rfxg] lgod @* df pNn]lvt of]Uotf k'u]sf JolQm jf ;+ul7t
;+:yfn] ======cg';"rL !@ adf]lhdsf] 9fFrfdf Ohfhtkqsf] nflu ;ldltsf] sfof{nodf
lgj]bg lbg' kg]{5 .
* @&= ;e]{o/sf] Ohfhtkq lbg'kg]{ M -!_ lgod @^ adf]lhd ;e]{o/sf] Ohfhtkqsf] nflu
lgj]bg k|fKt ePkl5 ;ldltn] lgod @* adf]lhd lgj]bssf] of]Uotf k'u] gk'u]sf] hfFrj'em
u/L lghnfO{ ;e]{o/sf] Ohfhtkq lbg pko'Qm b]v]df lghsf] gfd ;e]{o/sf] ?kdf cg';'rL
!# adf]lhdsf] btf{ lstfadf btf{ ug'{kg]{5 .
10
-@_ pklgod -!_ adf]lhd lgj]bssf] gfd btf{ lstfadf btf{ ul/;s]kl5 ;ldltn]
lgj]bs;Fu Ohfhtkq jfkt lgod @*s= jdf]lhd æsÆ ju{sf] Ohfhtkq eP jfx|
xhf/ ?k}ofF, ævÆ ju{sf] Ohfhtkq eP gf} xhf/ ?k}ofF, æuÆ ju{sf] Ohfhtkq eP
;ft xhf/ ?k}ofF / æ3Æ ju{sf] Ohfhtkq eP kfFr xhf/ ?k}ofF b:t'/ lnO{ To:tf]
lgj]bsnfO{ cg';"rL –!$ jdf]lhdsf] 9fFrfdf ;e]{o/sf] Ohfhtkq lbg' kg]{5 .
@*= ;e]{o/sf] nflu of]Uotf M -!_ lgod @^ adf]lhd ;e]{o/sf] Ohfhtkqsf] nflu lgj]bg lbg
rfxg] lgj]bssf] b]xfosf dWo] s'g} Ps of]Uotf k'u]sf] x'g' kg]{5 M–
-s_ s'g} aLdssf] sfof{nodf clws[t:t/sf] kbdf sDtLdf bz aif{;Dd ladf
Joj;fo;Fu ;DjlGwt sfo{sf] cg'ej xfl;n u/]sf],
-v_ OGhLlgol/Ë laifodf sDtLdf :gfts pkflw xfl;n u/]sf],
-u_ cGt/f{li6«o:t/sf rf6{8{ OG:of]/]G; OlGi6Ro"6 jf To:tf ;+:yfsf] dfGotf k|fKt
;+:yfaf6 aLdf ;DaGwL ljifodf sDtLdf :gfts pkfwL xfl;n u/]sf], jf
-3_ rf6{8{ PsfpG6]G;L k/LIff plQ0f{ u/]sf] .
-@_ pklgod -!_ sf] v08 -s_, -v_, -u_ jf -3_ jdf]lhd of]Uotf k'u]sf] lgj]bsn]
;e]{o/sf] Ohfhtkq k|fKt ug'{ cl3 ;ldltn] ;+rfng u/]sf] ;e]{o/ ;DaGwL tfnLddf
;xefuL eO{ tfnLd k"/f u/]sf] k|df0fkq k|fKt u/]sf] x'g' kg]{5 .
# @*s= ;e]{o/sf] juL{s/0f M ;e]{o/sf] Ohfhtkq k|fKt u/L ;e]{o/sf] ?kdf sfd ub}{ cfPsf
b]xfosf] cjlw k"/f u/]sf ;e]{o/nfO{ of] lgod k|f/De ePkl5 b]xfojdf]lhd
juL{s/0f u/L ;e]{o/sf] Ohfhtkq lbOg]5 M–
-s_ kGw| jif{eGbf j9L cjlw lgoldt ?kdf ;e]{o/sf] sfd u/]sf ;e]{o/nfO{ æsÆ
ju{,
-v_ bz jif{b]lv kGw jif{;Dd lgoldt ?kdf ;e]{o/sf] sfd u/]sf ;e]{o/nfO{ ævÆ
ju{,
-u_ kfFr jif{b]lv bz jif{;Dd lgoldt ?kdf ;e]{o/sf] ?kdf sfd u/]sf ;e]{o/nfO{
æuÆ ju{,
-3_ kfFr jif{;Dd lgoldt ?kdf ;e]{o/sf] sfd u/]sf ;e]{o/nfO{ æ3Æ ju{,
11
@(= ;e]{o/sf] Ohfhtkq gjLs/0f ;DjGwL Joj:yf M -!_ ;e]{o/n] cfˆgf] Ohfhtkq gjLs/0f
u/fpgsf] nflu P]gsf] bkmf #! sf] pkbkmf -!_ adf]lhdsf] Dofbleq gjLs/0f b:t'/ afkt
* æsÆ ju{sf] Ohfhtkq eP afx| xhf/ ?k}+ofF, ævÆ ju{sf] Ohfhtkq eP gf} xhf/
?k}ofF, æuÆ ju{sf] Ohfhtkq eP ;ft xhf/ ?k}ofF / æ3Æ ju{sf] Ohfhtkq eP kfFr
xhf/ ?k}ofF ;d]t ;+nUg /fvL cg';"rL –!% adf]lhdsf] 9fFrfdf ;ldltsf] sfo{fnodf
lgj]bg lbg' kg]{5 .
-@_ pklgod -!_ jdf]lhdsf] Dofbleq s'g} ;e]{o/n] cfˆgf] Ohfhtkq gjLs/0fsf] nflu
lgj]bg lbg g;s]sf] sf/0f v'nfO{ ;ldltsf] sfof{nodf lgj]bg lbPdf ;f] sf/0f
d'gfl;j b]lvPdf ;ldltn] gjLs/0fsf] Dofb gf3]sf] klxnf] b'O{ dlxgf;Ddsf] nflu kfFr
;o ?k}ofF / To; kl5sf] rf/ dlxgf;Ddsf] nflu k|lt lbg krf; ?k}ofF yk b:t"/ lnO{
To:tf] Ohfhtkq gjLs/0f ul/lbg ;Sg]5 .
$@(s= ;e]{ ug{ kfpg] ;Ldf M -!_ lgod @*s= jdf]lhd k|To]s ju{sf] ;e]{o/n] ug{ kfpg] ;e]{
;DaGwL ;Ldf ;ldltn] tf]lslbP jdf]lhd x'g]5 .
-@_ ;e]{o/sf] cfrf/;+lxtf ;ldltn] tf]lslbP jdf]lhd x'g]5 .
#)= ;e]{o/sf] Ohfhtkq vf/]h ePdf M s'g} ;e]{o/sf] Ohfhtkq P]gsf] bkmf ## adf]lhd vf/]h
ePdf To;/L vf/]h ePsf] ldltn] kfFr aif{;Ddsf] cjlwsf] nflu lghnfO{ ;e]{o/sf] ?kdf
sfd ug{sf] nflu csf]{ ;e]{o/sf] Ohfhtkq lbOg] 5}g .
# kl/R5]b —%s
bnfn ;DaGLw Joj:yf
#)s= bnfnsf] Ohfhtkqsf] nflu lgj]bg lbg' kg]{ M P]gsf] bkmf #)v=jdf]lhd bnfnsf] ?kdf
sfd ug{ rfxg] lgod #)u=df pNn]lvt of]Uotf k'u]sf] JolQmn] cg';"rL —!& jdf]lhdsf]
9fFrfdf bnfnsf] Ohfhtkqsf] nflu ;ldltsf] sfof{nodf lgj]bg lbg'kg]{5 .
12
#)v= bnfnsf] Ohfhtkq lbg' kg]{ M-!_ lgod #)s= jdf]lhd bnfnsf] Ohfhtkqsf] nflu
lgj]bg k|fKt ePkl5 ;ldltn] lgod #)u= jdf]lhd lgj]bssf] of]Uotf k'u] gk'u]sf]
hfFra'em u/L lghnfO{ bnfnsf] ?kdf Ohfhtkq lbg pko'Qm b]v]df lgj]bssf] gfd
cg';"rL —!* jdf]lhdsf] btf{ lstfjdf btf{ ug'{kg]{5 .
-@_ pklgod -!_ jdf]lhd lgj]bssf] gfd btf{ lstfjdf btf{ ul/;s]kl5 ;ldltn]
lgj]bs;+u bnfnsf] Ohfhtkq jfkt kRrL; xhf/ ?k}ofF b:t'/ lnO{ To:tf]
lgj]bsnfO{ cg';"rL —!( jdf]lhdsf] 9fFrfdf bnfnsf] Ohfhtkq lbg' kg]{5 .
#)u= bnfnsf] nflu of]Uotf M bnfnsf] Ohfhtkqsf] nflu lgj]bg lbg] JolQmn] b]xfosf zt{x?
k"/f ug'{ kg]{5 .
-s_ k|rlnt sfg"gsf] cwLgdf /xL ;+ul7t ;+:yfsf] ?kdf dfGotf k|fKt u/]sf] x'g'
kg]{ .
-v_ ;+ul7t ;+:yfsf] clws[t k'FhL ;ldltn] tf]lslbP jdf]lhd x'g'kg]{ .
t/ ;ldltn] clws[t k"FhL lgwf{/0f ubf{ lglZrt dfu{bz{g agfO{ lgwf{/0f ug'{
kg]{5 .
-u_ ;+ul7t ;+:yfsf] clws[t k"FhLsf] kRrL; k|ltzt /sd s'g} jfl0fHo a}+ssf]
d'2tL vftfdf hDdf ug'{ kg]{ .
-3_ ;+ul7t ;+:yfsf] d'Vo Joj:yfks eO{ sfd ug]{ JolQm aLdf ;DaGwL sfo{df
kGw| jif{sf] cg'ej k|fKt u/]sf] x'g' kg]{ .
-ª_ ;ldltn] tf]lslbPsf cGo zt{x? k"/f ug'{ kg]{ .
#)3= bnfnsf] Ohfhtkq gjLs/0f ;DaGwL Joj:yf M -!_ bnfnsf] cfˆgf] Ohfhtkq gjLs/0f
u/fpgsf] nflu P]gsf] bkmf #! sf] pkbkmf -!_ jdf]lhdsf] Dofb leq gjLs/0f b:t'/
jfkt kRrL; xhf/ ?k}ofF ;d]t ;+nUg /fvL cg';"rL —@) jdf]lhdsf] 9fFrfdf ;ldltsf]
sfof{nodf lgj]bg lbg' kg]{5 . o;/L lgj]bg k|fKt ePdf ;ldltn] To:tf] bnfnsf]
Ohfhtkq gjLs/0f ul/lbg' kg]{5 .
-@_ pklgod -!_ jdf]lhdsf] Dofbleq s'g} bnfnn] cfˆgf] Ohfhtkq gjLs/0fsf] nflu
lgj]bg lbg g;s]sf] sf/0f v'nfO{ ;ldltsf] sfof{nodf lgj]bg lbPdf ;f] sf/0f
dgfl;j b]lvPdf ;ldltn] gjLs/0fsf] Dofb gf3]sf] klxnf] b'O{ dlxgf;Ddsf] nflu kfFr
xhf/ ?k}ofF / To; kl5sf] rf/ dxLgf ;Ddsf] nflu k|lt lbg b'O{ ;o ?k}of yk b:t'/
lnO{ To:tf] Ohfhtkq gjLs/0f ul/ lbg ;Sg]5 .
13
#)ª= bnfnsf] Ohfhtkq lbg /f]s nufpg ;Sg] M o; lgodfjnLdf cGoq h'g;'s} s'/f
n]lvPsf] eP tfklg aLdf Joj;fosf] ahf/ ;DaGwL cWoog, cg';Gwfg tyf d"NofÍgsf]
cfwf/df ;ldltn] aLds aLds aLr dfWodsf] ?kdf sfd ug{ s;}nfO{ klg s'g} lglZrt
cjlw;Ddsf] nflu bnfnsf] Ohfhtkq glbg] u/L /f]s nfufpg ;Sg]5 .
#)r= bnfnsf] Ohfhtkq vf/]h M s'g} bnfnsf] Ohfhtkq P]gsf] bkmf ## jdf]lhd vf/]h ePdf
To;/L vf/]h ePsf] ldltn] kfFr jif{;Ddsf] cjlwsf] nflu lghnfO{ bnfnsf] ?kdf sfd
ug{sf] nflu csf]{ Ohfhtkq lbOg] 5}g .
kl/R5]b—^
ladf bfjL e'QmfgL ;DjGwL Joj:yf
#!= hLjg ladfsf] bfjL e'QmfgL k|s[of M -!_ ljdsn] hLjg ladfsf] z'Nssf] clGtd ls:tf
e'Qmfg ul/ ;s]sf laldtsf] gfddf ls:tf e'Qmfg u/]sf] ldltn] kGw| lbgleq To:tf] hLjg
ladfsf] bfjL e'QmfgL ug{sf] nflu rflxg] ladf n]v cflb sfuhftx? ;d]t ;+nUg /fvL
bfjL e'QmfgL ug{ cfpgsf] lgldQ e'QmfgL k"hL{ -l8:rfh{ efpr/_ hf/L ug'{kg]{ 5 .
-@_ pklgod -!_ adf]lhd laldtn] hLjg ladfsf] bfjL e'QmfgLsf] lgldQ ladf n]v tyf
cGo sfuhftx? / e'QmfgL k"hL{ ;d]t lads;dIf k]z u/]df ladsn] cfjZos
hfFrj'em u/L hLjg ladf n]vsf] cjlw e'Qmfg ePsf] ;ft lbgleq lghnfO{ hLjg
ladfsf] bfjL e'QmfgL lbg'kg]{ 5 .
-#_ s'g} hLjg ladf n]vsf] cjlw ;dfKt x'g' cufj} ;f] ljdf n]v lng] laldtsf] d[To'
ePdf lghn] OR5fPsf] JolQm eP lghn] / s;}nfO{ OR5fPsf] geP P]gs]f bkmf #*
sf] pkbkmf -!_ df plNnlvt JolQmx?dWo] ;j} eGbf glhssf] xsjfnfn] To:tf] hLjg
ladfsf] /sd lngsf] nflu b]xfosf ljj/0fx? v'nfO{ bfjL e'QmfgLsf] lgj]bg
lads;dIf k]z ug'{kg]{ 5 .
-s_ bfaL ;DjGwL ljj/0f .
-v_ laldtsf] d[To' k|df0fkq .
-u_ b'3{6gfjf6 laldtsf] d[To' ePsf] / To:tf] hf]lvd hLjg ljdfdf ;dfj]z ePsf]
eP laldtsf] d[To'sf] sf/0f ;DjGwdf ;/sf/L lrlsT;s4f/f ul/Psf] zj
k/LIf0fsf] k|ltj]bg / ;f] geP k|x/L k|ltj]bg .
-3_ laldt;Fusf] gftf k|df0fkq .
-ª_ pd]/ k|dfl0ft gePsf] cj:yfdf pd]/ k|dfl0ft ug]{ sfuhftx? .
-r_ ;ldltåf/f tf]lslbPsf cGo ljj/0fx? .
14
-$_ pklgod -#_ adf]lhdsf] lgj]bg k|fKt ePkl5 ladsn] hLjg ladf bfjLsf] ;DjGwdf
k]z ePsf sfuhft ;d]tsf ljj/0fx? 5fgjLg u/L cfjZos eP cGo s'/fx?
;d]t a'emL cfkm";dIf To:tf sufhftx? k|fKt ePsf] ldltn] kGw| lbgleq bfloTj
lgwf{/0f u/L bfaL e'QmfgL lng cfpgsf] lgldQ lgj]bssf] gfddf e'QmfgL k"hL{ -
l8:rfh{ efpr/_ hf/L ug'{ kg]{5 . o;/L hf/L u/]sf] e'QmfgL k"hL{ lgj]bsjf6 k|fKt
ePsf] ldltn] kGw| lbgleq ladsn] ladfsf] bfaL e'QmfgL ug'{kg]{ 5 .
-%_ pklgod -$_ jdf]lhd ladsn] ljj/0fx? 5fgjLg ubf{ bfloTj lgwf{/0f u/L ladf
bfjL e'QmfgL ug'{ gkg]{ b]v]df ;f] sf] sf/0f vf]nL To;sf] lnlvt hfgsf/L
lgj]bsnfO{ lbg'kg]{ 5 .
#@= lghL{jg ladfsf] bfaL e'QmfgL k|s[of M -!_ lghL{jg ladf ug]{ laldtn] ladf n]v adf]lhdsf]
bfjL ug'{kg]{ ePdf tt\;DjGwL ;Dk"0f{ ljj/0fx? v'nfO{ lads;dIf lgj]bg lbg'kg]{ 5 .
-@_ pklgod -!_ adf]lhd lghL{jg ladfsf] bfjL e'QmfgLsf] lgldQ laldtsf] lgj]bg k|fKt
ePdf ladsn] cfjZos hfFra'em ug{ cfjZos k/]df t'?Gt ;e]{o/ v6fpg ;Sg]5 .
-#_ pklgod -@_ adf]lhd vl6Psf] ;e]{o/n] cfjZos hfFrj'em u/L kGw| lbgleq ladssf]
bfloTjsf] lgwf{/0f u/L To;sf] lj:t[t ljj/0f ;d]tsf] k|ltj]bg lads;dIf k]z
ug'{kg]{ 5 / To;jf/] ladf n]vsf] zt{ tyf ;'ljwfsf] cwLgdf /xL laldtn] kfpg
;Sg] /sd pNn]v u/L laldtnfO{ hfgsf/L lbg' kg]{5 .
-$_ pklgod -#_ adf]lhd ;e]{o/n] lads;dIf k|ltj]bg k]z u/]sf] ;fwf/0ftof k+}tL;
lbgleq ladsn] bfloTj 7x/ u/L laldtnfO{ lghL{jg ladfsf] bfjL e'QmfgL ug'{kg]{ 5
.
##= ph'/L ug{ ;Sg] M -!_ lgod #! / #@ jdf]lhd ladsn] bfloTj lgwf{/0f gu/]df jf u/] klg
laldtnfO{ dsf{ kg]{ u/L bfloTj lgwf{/0f u/]df laldtn] To;sf] sf/0f ;d]t vf]nL ;ldltdf
ph'/L ug{ ;Sg]5 .
# -!s=_ pklgod ! jdf]lhd ;ldltdf ph'/L kg{ cfPdf ;ldltn] ;DalGwt aLdsnfO{
kGw| lbgleq sf/0f v'nfO{ lnlvt hjfkm k]z ug{ cfb]z lbg ;Sg]5 .
#-!v_ pklgod -!s_ jdf]lhd lnlvt hjfkm k]z x'g cfPdf ;ldltn] hfFra'em u/L
cfjZos eP aLds jf laldt;+u cGo s'/f a'‰g jf cGo cfjZos sfuhft
tyf ljj/0f k]z ug{ cfb]z lbg ;Sg]5 .
15
#-!u=_ pklgod -!s_ jf -!v_ jdf]lhd lnlvt hjfkm jf cfjZos sfuhft jf ljj/0f
k]z x'g gcfPdf ;ldltn] To:tf] ph'/L pk/ PstkmL{ lg0f{o u/L ;f]sf] hfgsf/L
;DalGwt aLdsnfO{ lbg' kg]{5 .
-@_ pklgod -!_ jdf]lhd k/]sf] ph'/L pk/ ;ldltn] hfFrj'em ubf{ ladsn] bfloTj lgwf{/0f
ug'{kg]{df bfloTj lgwf{/0f gu/]sf] b]lvPdf ;ldltn] ladsnfO{ bfloTj lgwf{/0f ug{ jf
k'gM bfloTj lgwf{/0f ug{ cfb]z lbg ;Sg]5 .
-#_ ===============
kl/R5]b –&
ljljw
#$ ;Nnfxsf/ ;ldltsf] sfd, st{Jo / clwsf/ M ;Nnfxsf/ ;ldltsf] sfd, st{Jo / clwsf/
b]xfojdf]lhd x'g]5 M—
-s_ ladf b/ sfod ug]{ ;DjGwdf cfjZos gLlt lgwf{/0f ug]{ .
-v_ ladf b/df Ps?ktf sfod ug]{ ;DjGwdf cfjZos gLlt lgwf{/0f ug{ ljleGg
;]ldgf/, uf]i7L tyf ;Dd]ng ;+rfng ug]{ .
-u_ sfod ul/Psf] ladf b/ nfu' eP gePsf] ;DjGwdf /]vb]v ;'k/Lj]If0f, d"NofÍg ug]{
/ cfjZostfg';f/ ;ldlt;dIf pko'Qm ;'emfj k]z ug]{ .
-3_ ladf Joj;fosf] :jR5 ;+rfng Pj+ ljsf;sf] lgldQ ;ldltnfO{ cfjZos ;'emfj
lbg] .
#%= ladf+sLsf] of]Uotf M ;ldltjf6 dfGotf k|fKt OlG:6Ro"6 ckm PSRo"o/Ljf6 km]nf]l;k
pkflw xfl;n u/]sf] JolQmn] o; lgodfjnL adf]lhd ladf+sLsf] sfd ug{ ;Sg]5 .
#^= ladf+sLn] k]z u/]sf] hLjg ladf Joj;fosf] d"NofÍg jdf]lhd ug{ :jLs[lt lng' kg]{ M–
ladf+sLn] g]kfn clw/fHoleq hLjg ladf Joj;fosf] d"Nof+sg u/]sf] k|ltj]bg ;ldltdf
k]z u/L d"Nof+sg cg';f/sf] Joj:yf ug{ ;ldltsf] :jLs[lt lng' kg]{5 .
##^s= ;jf/L b'3{6gf aLdf ug]{ laldtnfO{ k|df0fkq lbg' kg]{ MaLdsn] ;jf/L b'3{6gf ladf ug]{
laldtnfO{ cg';"rL —@! adf]lhdsf] 9fFrfdf aLdfsf] k|df0fkq lbg' kg]{5 .
##^v= sfg"g clws[t lgo'Qm ug'{ kg]{ M ladsn] g]kfn clw/fHo leqsf] cfˆgf] k|wfg sfof{nodf
k"/f sfof{no ;do sfd ug]{ Ps sfg"g clws[t lgo'Qm ug'{ kg]{5 .
# klxnf] ;+zf]wgåf/f yk ul/Psf]
bf]>f] ;+zf]wgåf/f vf/]h
16
##^u= aLdf z'Ns ga'emfP;Dd sf/f]jf/ ePsf] gdflgg] M laldtn] aLdsl;t aLdf u/] jfkt
a'emfpg' kg]{ aLdf z'Nssf] /sd ga'emfP;Dd lghx?sf] aLrdf aLdf ;DaGwL sf/f]jf/
ePsf] dflgg] 5}g .
#&= k|ltlnlk lbg] M -!_ o; lgodfjnL adf]lhd lbOPsf] k|df0fkq jf * ladf clestf{,
;e]{o/ jf bnfnsf] Ohfhtkq x/fPdf, RofltPdf, s'g} sf/0fn] gfl;Pdf jf gjLs/0f
ug]{ 7fpF geO{ csf]{ lng'kg]{ ePdf ;f] s'/f v'nfO{ ;DjlGwt lads jf *ladf clestf{,
;e]{o/ jf bnfnn] To:tf] k|df0fkq jf Ohfhtkqsf] k|ltlnlksf] nflu nfUg] b:t"/
Ps;o ?k}+ofF ;+nUg /fvL cg';'rL –!^ adf]lhdsf] 9fFrfdf ;ldltsf] sfof{nodf lgj]bg
lbg' kg]{5 .
-@_ pklgod -!_ adf]lhd k|ltlnlksf] nflu lgj]bg k|fKt ePdf ;ldltn] ;DjlGwt
lgj]bsnfO{ To:tf] k|df0fkq jf Ohfhtkqsf] k|ltlnlk lbg' kg]{5 .
#*= lg/LIf0f tyf lgb]{zg M -!_ ;ldltn] ladsn] ug]{ ladf Joj;fosf ;DjGwdf lg/LIf0f
u/L ;do ;dodf cfjZos lgb]{zg lbg ;Sg]5 . o;/L ;ldltn] lbPsf] lgb]{zgsf]
kfngf ug'{ ;DalGwt ladssf] st{Jo x'g]5 .
-@_ ;ldltjf6 lg/LIf0fsf] l;nl;nfdf vl6Psf clws[tn] dfu]sf] ljj/0f, lx;fj lstfa
nufotsf cGo sfuhftx? x]g{, hfFRg lbg] lads tyf ;DjlGwt ;j}sf] st{Jo
x'g]5 .
#(= cg';"rLdf x]/km]/ ug{ ;Sg] M g]kfn ;/sf/n] ;ldltsf] ;Nnfx lnO{ g]kfn /fhkqdf
;"rgf k|sflzt u/L cg';"rLx?df cfjZos yk36 jf x]/km]/ ug{ ;Sg] 5 .
17
cg';"rL !
-lgod & sf] pklgod -!_ ;+u ;DjlGwt_
ladssf] btf{sf] nflu lgj]bg
kmf]6f]
>L cWoIf
ljdf ;ldlt .
ladf P]g, @)$( sf] bkmf !) sf] pkbkmf -@_ tyf ladf lgodfjnL, @)$( sf]
lgod & sf] pklgod -!_ jdf]lhd ladssf] ?kdf gfd btf{u/L k|df0fkq kfpgsf] lgldQ
nfUg] /m= krf; xhf/ b:t"/ ;lxt b]xfosf ljj/0fx? v'nfO{ lgj]bg u/]sf] 5' .
!= ;+:yfsf] gfd / 7]ufgf M–
@= k|wfgsfof{nosf] 7]ufgf M–
-s_ c~rn M– -v_ lhNnf M–
-u_ gu/÷ufpF M– -3_ 6]lnkmf]g M–
#= g]kfn clw/fHo leqsf k|wfg tyf zfvf sfof{nox?sf] gfd / k"/f 7]ufgf M—
$= k|d'v Joj:yfkssf] gfd / 7]ufgf M—
%= n]vf k/LIfssf] gfd / 7]ufgf M—
^= sd{rf/Lx?sf] ;+Vof M—
-s_ g]kfnL gful/s M—
-v_ u}/ g]kfnL gful/s M–
&= ladf clestf{sf] ;+Vof M—
-s_ g]kfnL gful/s M—
-v_ u}/ g]kfnL gful/s M—
*= ;+ul7t ;+:Yff btf{ u/fPsf] k|df0fkqsf] k|ltlnlk M—
(= cGo ljj/0fx? M—
lgj]bssf],
;lx M —
gfd M—
7]ufgf M—
ldlt M—
18
cg';"rL –@
-lgod * sf] pklgod -!_ ;+u ;DjlGwt _
ladssf] btf{ lstfj
cf=j= M—
btf{ g++ ladssf] gfd y/ / k"/f ladsn] ug]{ ladf s}lkmot
7]ufgf Joj;fo
19
cg';'rL — #
-lgod * sf] pklgod -@_ ;Fu ;DjlGwt_
ladssf] k|df0fkq
>L=====================================
===========================================
tkfO{nfO{ ladf P]g, @)$( sf] bkmf !) sf] pkbkmf -#_ tyf ladf lgodfjnL, @)$(
sf] lgod * sf] pklgod -!_ adf]lhd ladssf] ?kdf btf{ u/L b]xfodf pNn]v eP jdf]lhd
ladf Joj;fo ug{ kfpg] u/L of] k|df0fkq lbOPsf] 5 .
sfof{nosf] 5fk M—
gljs/0f ;DjGwL ljj/0f
gjLs/0f cjlw gjLs/0f ug]{sf] x:tfIf/ s}lkmot
/ ldlt
20
cg';"rL —$
-lgod ( sf] pklgod -!_ ;Fu ;DjlGwt_
ladssf] btf{ gjLs/0fsf] nflu lgj]bg
>Ldfg cWoIf,
aLdf ;ldlt .
d}n] To; ;ldltaf6 ldlt ============ df lnPsf] ladssf] k|df0fkqsf] cjlw ldlt
============ df ;dfKt x'g] ePsf]n] ladf lgodfjnL, @)$( sf] lgod ( sf] pklgod -!_
jdf]lhd nfUg] b:t"/ ;+nUg /fvL k|df0fkq gjLs/0fsf] nflu cg'/f]w ub{5' .
lgj]jssf],
;xL M—
gfd M—
7]ufgf M—
ldlt M—
21
aLdssf] gfd M–
zfvf M–
22
cg';"rL –% v08 ævÆ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
g]kfn leq ePsf] bfjL tyf tT;DjGwL cGo vr{x?sf] ljj/0f
aLdfsf] lsl;d M–
! @ # $ % ^ & * ( !) !! !@
kfFr cf=a=cl3 rf/ cf=a= rf/ cf=a=cl3 tLg cf=a= tLg cf=a= b'O{ cf=a= b'O{ cf=a= Ps cf=a= Ps cf=a= rfn" rfn" cf=a= /
/ ;f] eGbf cl3 @±# sf] cl3 cl3 / cl3 cl3 / cl3 cl3 / cf=a= ;f] eGbf cl3
cl3sf] jif{sf] $±% sf] ^±& sf] *±( sf] !)±!! sf]
!= kfFr cf=a= cl3;Ddsf] e'QmfgL ug{ afFsL bfjL
@= rf/ cf=a= sf] cjlwdf e'QmfgL ePsf] bfjL
#= rf/ cf=a= cl3;Ddsf] e'QmfgL ug{ jfFsL bfjL
$= bfjLsf] nflu Joj:yf ul/Psf]df b]lvg cfPsf]
leGgtf
%= km/s k|ltzt
^= tLg cf=a= cl3sf] cjlwdf lt/]sf] bfjL
&= tLg cf=a= cl3;Dd glt/]sf] bfjL
*= a9L jf 36L
(= cg'kft
!)= b'O{ cf=a= cl3sf] cjlwdf lt/]sf] bfjL
!!= b'O{ cf=a=cl3;Dd glt/]sf] bfjL
!@= a9L jf 36L
!#= cg'kft
!$= Ps cf=a=cl3sf] cjlwdf lt/]sf] bfjL
!%= Ps cf=a= cl3;Dd glt/]sf] bfjL
!^= 36L jf a9L
!&= cg'kft
!*= rfn" cf=a=sf] cjlwdf lt/]sf]
!(= rfn" cf=a=;Dd glt/]sf] bfjL
@)= a9L jf 36L
@!= cg'kft
23
cg';"rL —% v08 æuÆ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
cl3Nnf] cf=j= sf] cGTo ;Dddf ltg{ afFsL
/x]sf] bfjLx?sf] nflu 5'6\ofOPsf] Joj:yfsf]
ljj/0f
ladfsf] lsl;d ltg{ afFsL /x]sf] bfjLsf] nflu ul/Psf] v'b Joj:yfsf] hDdf hfgsf/Ldf cfPsf] t/ e'QmfgL gul/Psf kIfsf] nflu 5'§ofOPsf]
v"b Joj:yf
!= hLjg, cUgL, ;fd'lb|s, cl3Nnf] cl3Nnf] cl3Nnf] cf=a=x?sf] 36L jf a9L cl3Nnf] cl3Nnf] cf=a= cl3Nnf] cf=a= 36L jf a9L
df]6/, xjfO{ tyf 7]s]bf/ cf=a=sf] cf=a=x?sf] bfjL bfjLsf] nflu o; -!–@–#_ cf=a=sf] lglDt o; x?sf] lglDt -%–^–&_
hf]lvd aLdf tyf cGo;Ddsf] jfkt o; cf=a=sf] cGTodf $ cGo;Ddsf] cf=a= el/df 5'§fOPsf] v'b *
OlGhlgol/Ë ladf v"b cf=a=el/df 5'§fOPsf] v'b % lt/]sf] v'b Joj:yf
@= ljljw cGtu{t -5'§f Joj:yf lt/]sf] v'b /sd Joj:yf /sd &
5'§}_ v'nfpg] ! @ # ^
!= hLjg
-s_ JolQmut
-v_ Joj;flos
-u_ hDdf
@= cUgL
-s_ JolQmut
-v_ Joj;flos
-u_ hDdf
#= ;fd'lb|s
-s_ JolQmut
-v_ Joj;flos
-u_ hDdf
$= xjfO{
%= df]6/ sf/—t]>f] kIf
-s_ df]6/ sf/ tyf
ofq' JolQmut b'3{6gf
-v_ cGo v'nfpg]
^= 7]s]bf/ hf]lvd tyf OlGh=
&= ljljw -5'§f 5'§} v'nfpg]_
24
cg';"rL —% v08 æ3Æ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
aLdf z'Ns tyf bfjL ljj/0f
aLdssf] gfd M–
aLdfsf] lsl;d ladf z'Ns lkmtf{ ladf z'Ns s6fO cf=a=sf] cf=a=sf] v'b ladf bfjLdf ePsf] -;fNj]h tyf cGo vr{ s6fO_
hLjg, cUgL, ;fd'lb|s, df]6/, k'gla{df k'gjL{df jfkt k'gjL{df jfkt -!±@±#_ z'?df cGTodf z'Ns lads tkm{sf] k'gjL{df lnP k'gjL{df v"b
xjfO{ tyf 7]s]bf/ hf]lvd cuf8Lsf] s'n cfh{g ePsf] e'QmfgL u/]sf] v"b ladf c;'n x'g c;'n x'g cfDbfgL s'n bfjL jfktsf] bfjL ePsf]af6 k|fKt Joxf]l/Psf]
ladf tyf OlGhlgol/Ë aLdf, ladf z'Ns ladf z'Ns ladf z'Ns z'Ns afFsL ladf afFsL ladf -$±%–^_ /sd /sd bfjL /sd bfjL
ljljw ladf cGtu{t -5'§f 5'§} cfDbfgL -@_ -#_ -$_ z'Ns z'Ns -&_ -*_ -(_ -!)_ -*±(–!)_
v'nfpg]_ -!_ -%_ -^_ -!!_
!= hLjg
-s_ JolQmut
-v_ Joj;flos
hDdf
@= cUgL
-s_ JolQmut
-v_ Joj;flos
hDdf
#= ;fd'lb|s
-s_ JolQmut
-v_ Joj;flos
hDdf
$= xjfO{
%= df]6/ sf/–t]>f] kIf
-s_ df]6/ sf/ tyf ofq'
JolQmut b'3{6gf
^= 7]s]bf/ hf]lvd tyf OlGh=
&= ljljw -5'§f 5'§} v'nfpg]_
25
cg';'rL —% v08 æªÆ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
bfjLsf] ljj/0f -ljb]zdf ul/Psf] k'gla{df_
ladssf] gfd M—
Joj;fosf] k|sf/ k'gla{df lbP -l;8]8_ jfkt e'QmfgL ul/Psf] k'gla{df z'Ns k'gjL{dfaf6 Joxf]l/Psf] bfjL /sd
sf]6f z]o/ ;Nk{; PS;]; ckm n; km]sN6]l6e hDdf sf]6f z]o/ ;Nk{; PS;]; ckm n; km]sN6]l6e hDdf
!= clUg
@= ;fd'lb|s
#= df]6/
$= xjfO{
%= 7]s]bf/ hf]lvd tyf OlGhlgol/Ë
^= ljljw ljifo v'nfO{
-s_
-v_
-u_
hDdf
cg';'rL —% v08 ærÆ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
bfjLsf] ljj/0f -:jb]zdf ul/Psf] k'g{ladf_
ladssf] gfd M—
Joj;fosf] k|sf/ k'gaL{df -l;8]8_ jfkt e'QmfgL ul/Psf] k'gjL{df z'Ns k'gjL{dfaf6 Joxf]l/Psf] bfjL /sd
sf]6f z]o/ ;Nk{; PS;]; ckm n; km]sN6]l6e hDdf sf]6f z]o/ ;Nk{; PS;]; ckm n; km]sN6]l6e hDdf
!= clUg
@= ;fd'lb|s
#= df]6/
$= xjfO{
%= 7]s]bf/ hf]lvd
tyf OlGhlgol/Ë
^= ljljw ljifo
-s_
-v_
-u_
hDdf
26
cg';"rL — % v08 æ5Æ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
ladssf] gfd M—
!= g]kfndf btf{ ePsf ladsx?nfO{ lbPsf] k'gjL{df
ladssf] gfd M—
!= ljb]zL k'gla{dsnfO{ lbPsf] k'gjL{df
27
cg';'rL —% v08 æemÆ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
ladssf] gfd M—
k'gla{dssf] gfd k'gla{df lnP jfkt e'QmfgL lbPsf] e'QmfgL lbPsf] bfaL
ladf z'Ns cfDbfgL sldzg
!
@
#
29
cg';"rL —% v08 æ6Æ
lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt
;fn===========================sf] jf;nft
hLjg aLdf lghL{jg aLdf hDdf hLjg aLdf lghL{jg aLdf hDdf
z]o/ k"FhL l:y/ ;Dklt
clws[t k"FhL nufgL / shf{
?======b/sf] =======z]o/x? nufgL
hf/L k"FhL g]kfn ;/sf/sf] lwtf]kq
?=====b/sf] =====z]o/x? a}+s d'2tL vftf
r'Qmf k"FhL z]o/ -;/sf/L tyf u}/ ;/sf/L j]Un} v'nfpg]_
?======b/sf] ====z]o/x? C0f kq
z]o/ lk|ldo/ lx;fj l/on :6]6
-ljj/0f v'nfpg]_ cGo -ljj/0f v'nfpg]_
ladf sf]if shf{ -ljj/0f v'nfpg] _
lhjg ljdf rfn' ;DktL
cUgL ljdf a}+s tyf gub df}Hbft
;fd'lb|s ljdf cNksflng nufgL
xjfO{ ladf ls:tf, lk|ldod
df]6/ ljdf clestf{af6 k|fKt x'g afFsL lk|ldod
7]s]bf/ hf]lvd tyf OlGhlgol/Ë÷ ljljw cGo ladsx?af6 k|fKt x'g af+sL
ladf bL3{sflng C0f -;'/lIft tyf cGo
c;'/lIft a]Un} v'nfpg]_ k]ZsL
rfn' bfloTj tyf Joj:yf sd{rf/L k]ZsL
rfn" bfloTj cGo k]ZsL
;"lrt ul/Psf tyf afFsL x'g cfPsf bfaL clu|d e'QmfgL
jfkt cg'dflgt bfloTj ljljw
PGjL6L afkt lbg jfFsL gfkmf gf]S;fg
K'fgla{dsnfO{ lbg afFsL cGo
k'g{ladf lk|ldod l/he{
clestf{ sldzg
cNksflng C0f
cGo -ljj/0f v'nfpg]_ Joj:yf
cfos/ Joj:yf
nfefFz Joj:yf
30
cg';'rL — % v08 æ6Æ ;Fu ;+nUg ug'{kg]{
31
!#= hLjg ladftkm{ k|fKt s'n lk|ldoddWo] k|yd / gjLs/0f ladf z'Ns 5'§} v'nfpg' kg]{5 .
!$= hLjg ladf tyf lghL{jg ladfsf] Pp6} jf;nft agfpg g;lsg] ePdf a]Unf a]Un} agfpg'
kg]{5 .
32
cg';'rL % v08 æ8Æ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
ladssf] gfd M–
>fj0f=============================b]lv cfiff9 d;fGt=======================;Ddsf] cfo Joo ljj/0f
Joo cfo
ladfn]vf cGtu{t bfjL s§L k'gla{df lk|ldod s§L k'gla{df
e'QmfgL ePsf] d[To' bfjL k|yd
e'QmfgL ePsf] cjlw e'QmfgL bfaL glas/0f
cfly{s aif{sf] cGTodf l:js[tL cyjf ;"lrt PGjL6L jfkt k|fKt s§L k'gla{df
d[To' tyf cjlw e'QmfgL bfaL k'gla{df u/fPsf]df sldzg
jfkt cg'dflgt bfloTj nufgL tyf shf{df Jofh
d[To' g]kfn ;/sf/sf] C0f kq
cjlw a}+s d'2tL vftf
s§L M ut aif{sf] cGTodf /x]sf]
d[To' tyf cjlw e'QmfgL bfjL jfkt ladf n]vdf shf{
cg'dflgt bfloTj cGo cfo -ljj/0f v'nfpg] _
PGjL6L s§L k'gla{df aif{sf] k|f/Dedf hLjg ladf sf]if cfo
;dk0f{ d"No Joo lx;fajf6 afFsL NofPsf] gfkmf
clestf{ sldzg gf]S;fg lx;fjdf gf]S;fg ;f/]sf]
k|yd
gjLs/0f
Joj:yfkg vr{ -ljj/0f v'nfpg]_
shf{df Aofh
ck|fKo C0f
cGo vr{ -ljj/0f v'nfpg]_
v'b art hLjg ladfsf] ;f/]sf
gfkmf gf]S;fg lx;fjdf gfkmf ;f/]sf]
33
cg';'rL % — v08 æ9Æ
-lgod !$ sf] pklgod -!_ ;Fu ;DjlGwt_
clUg, ;fd'lb|s, df]6/, xjfO{, 7]s]bf/ hf]lvd tyf OlGhlgol/ª,
ljljw ladf Joj;fosf] cfo Joo lx;fj
34
cg';"rL —^
-lgod !$ sf] pklgod -@_ ;Fu ;DalGwt_
;DktL / bfloTjsf] ljj/0f
b|i6Jo M
!= rfn" ;DklQdf d;nGb, 5kfO tyf sfd gnfUg] cGo dfn;fdfg ;dfj]z ug{ kfOg] 5}g .
@= afFsL lk|ldodsf] xsdf P]gåf/f dfGotf lbPsf] afx]s cGo afFsL lk|ldod ;dfj]z ug{
kfOg] 5}g .
#= s'g} ljz]if bfloTj k"/f ug{ v8f ul/Psf] hu8f bfloTjdf ;dfj]z ug'{ kg]{5 .
$= ;DklQsf] d"Nof+sgsf] tl/sf, cfwf/ l6Kk0fLåf/f v'nfpg' kg]{5 .
%= ljb]zL sDkgLn] g]kfn aflx/ ;DktL tyf bfloTj ;dfj]z ug{ kfOg] 5}g .
35
cg';"rL –&
-lgod !( ;Fu ;DjlGwt_
ladf clestf{sf] Ohfhkqsf] nflu lgj]bg
kmf]6f]
>L cWoIf
ladf ;ldlt .
ladf P]g, @)$( sf] bkmf #) sf] pkbkmf -!_ adf]lhd ladf clestf{ eO{ sfd ug]{
Ohfhtkqsf] nflu ;DjlGwt ladssf] l;kmfl/z ;lxt b]xfosf ljj/0fx/m v'nfO{ lgj]bg
u/]sf] 5' .
!= k]zfM—
@= ladf clestf{ eO{ sfd ug{sf] nflu l;kmfl/; ug]{ ladssf] gfd M—
#= klxnf s'g} ladsn] lgo'Qm u/]sf] eP ;f] ladssf] gfd M—
$= klxnf ladf clestf{ eO{ sfd u/]sf] eP To;sf] ljj/0f M—
%= cGo s'/fx? M—
lgj]bssf],
;xL M—
gfd M—
7]ufgf M—
ldlt M—
36
cg';"rL — *
-lgod @) sf] pklgod -!_ ;Fu ;DalGwt_
ladf clestf{sf] btf{ lstfj
cf=j=
btf{ g+= ladf clestf{sf] gfd, y/ / ladf clestf{n] ug{] s}lkmot
k'/f 7]ufgf sfo{ If]q
37
cg';"rL —(
-lgod @) sf] pklgod -@_ ;Fu ;DjlGwt_
ladf clestf{sf]
Ohfhtkq
Ohfhtkq g+= —
kmf]6f]
>L =========================================
==============================================
tkfO{nfO{ ladf P]g, @)$( sf] bkmf #) sf] pkbkmf -@_ tyf aLdf lgodfjnL, @)$(
sf] lgod @) sf] pklgod -@_ adf]lhd===========================ladssf] aLdf clestf{ eO{ sfd
ug{ kpg] u/L Ohfht lbPsf] 5 .
gjLs/0fsf] Joxf]/f
38
cg';"rL — !)
-lgod @@ sf] pklgod -!_ ;Fu ;DjlGwt
ladf clestf{sf] Ohfhtkq gjLs/0fsf] nflu lgj]bg
>L cWoIf,
ladf ;ldlt .
lgj]bssf],
;xL M—
gfd M—
7]ufgf M—
ldlt M—
39
cg';"rL — !!
-lgod @# sf] pklgod -!_ ;Fu ;DjlGwt_
ladf clestf{n] lng kfpg] sldzg /sdsf]
tflnsf
40
cg';"rL — !@
-lgod @^ ;Fu ;DjlGwt_
;e]{o/sf] Ohfhtkqsf] nflu lgj]bg
kmf]^f]
>L cWoIf,
ladf ;ldlt .
ladf P]g, @)$( sf] bkmf #) sf] pkbkmf -!_ adf]lhd ;e]{o/ eO{ sfd ug]{
Ohfhtkqsf] nflu b]xfosf ljj/0fx? v'nfO lgj]bg u/]sf] 5' .
lgj]bssf],
;lx M—
gfd M—
7]ufgf M—
ldlt M—
41
cg';"rL —!#
-lgod @& sf] pklgod -!_ ;Fu ;DjlGwt _
;e]{o/sf] btf{ lstfj
cf=j=
btf{ g++= ;e]{o/sf] gfd, y/ / ;e]{o/n] ug]{ sfo{ s}lkmot
k"/f 7]ufgf If]q
42
cg';"rL —!$
-lgod @& sf] pklgod -@_ ;+u ;DalGwt_
;e]{o/sf] Ohfhtkq
Ohfht g+= M—
>L ==========================================
kmf]^f]
================================================
tkfO{nfO{ ladf P]g, @)$( sf] bkmf #) sf] pkbkmf -@_ tyf ladf lgodfjnL, @)$(
sf] lgod @& sf] pklgod -@_ adf]lhd ;e]{o/sf] ?kdf sfd ug{ kfpg] u/L of] Ohfhtkq
lbPsf] 5 .
gjLs/0fsf] ljj/0f
gjLs/sf] cjlw gjLs/0fsf] b:tvt / s}lkmot
ldlt
43
cg';"rL — !%
-lgod @( sf] pklgod -!_ ;Fu ;DjlGwt _
;e]{o/sf] Ohfhtkqsf] gjLs/0fsf] nflu lgj]bg
>L cWoIf
ladf ;ldlt .
lgj]bssf],
;xL M—
gfd M—
7]ufgf M—
ldlt M—
44
cg';"rL — !^
-lgod @( sf] pklgod -!_ ;Fu ;DjlGwt_
k|ltlnlksf] nflu lgj]bg
>L cWoIf,
ladf ;ldlt .
d}n] To; ;ldltaf6 ldlt ================= df lnPsf] lads ladf clestf{ . ;e]{o/sf]
k|df0fkq . Ohfhtkq . ldlt ================= df x/fPsf] . RofltPsf] . gljs/0f ug]{ 7fpF
;dfKt eO{ csf]{ lng' kg]{ ePsf]n] ladf lgodfjnL, @)$( sf] lgod #& sf] pklgod -!_
adf]lhd nfUg] b:t'/ ;lxt pQm k|df0fkq . Ohfhtkqsf] k|ltlnlk kfpg lgj]bg ub{5' .
lgj]bgsf],
;xL M–
gfd M–
7]ufgf M–
ldlt M–
45