bfro`rrk c dsph 60 oh okf kzd lozlk/kkj.k lhkk xq:okj fn- ps bfro`rr Page 1

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1 bfro`rrk c dsph 60 oh okf kzd lozlk/kkj.k lhkk xq:okj fn- 05@09@2018 ps bfro`rr Page 1

2 bfro`rrk c dsph 60 oh okf kzd lozlk/kkj.k lhkk cq/kokj] fnukad 05 livsacj 2018 ps bfro`rr c dsph 60 oh okf kzd lozlk/kkj.k lhkk c dsps iz kkldh; dk;kzy;],&16] vks ksfxd olkgr] in~ejh ckcqhkkbz jkbh pksd] usrkth lqhkk kpanz cksl ekxz] vks ksfxd olkgr] lkriwj] ukf kd& ;sfks cq/kokj] fn- 05@09@2018 jksth ldkgh oktrka c dsps iz kkld Jh-ts-ch- Hkksfj;k ;kaps v/;{krs[kkyh lq# >kyh- lhksl,dw.k 672 lhkkln gtj gksrs- lhkspk o`rrkar [kkyhyizek.ks vkgs- okf kzd lozlk/kkj.k lhksp;k fo k; if=dsps okpu c dsp;k eq[; dk;zdkjh vf/kdkjh ve`rk lkbs ;kauh dsys- loz izfke c dsps iz kkld Jh-ts-ch- Hkksfj;k ;kauh lokzaps Lokxr d#u lhksl miflfkr jkfgy;kcnn~y vkhkkj ekuys vkf.k f k{kd fnukfuferr lokzauk kqhkspnk fny;kek-iz kkld ;kauh fevhax lq# dj.ksph vuqerh?ksåu lhksyk lq#okr d:u vgoky o"kkzr ts Fkksj 'kkl=k] jktdh;] lkekftd] lgdkj] dyk o lkfgr;hd {ks=krhy dk;zdrz s] c dsps lhkkln] Bsohnkj] [kkrsnkj] lsod] Kkr&vKkr ts iaprrokr foyhu >kys R;kauk lhksus nksu feuhvs mhks jkgqu vkiyh Hkkoiw.kZ J/nkatyh viz.k dsyhlhksl x.kiqrhz uly;kus lhkk rgdqc d:u 15 feuhvkauh uarj iqugk lq: dsyh- ;kuarj c dsps iz kkld ts-ch Hkksfj;k ;kauh izklrkfod dsys- izklrkfodkr R;kauh c dsph 31 ekpz 2018 ph xq.kkred o la[;kred izxrh fofo/k isyq ap;k ek/;ekrwu lknj d:u c dsph vkffkzd ifjflfkrh lhksleksj iq<hyizek.ks ekamyh vkgsfnukad 31 ekpz 2018 v[ksj vlysy;k cwadspk jk[kho o vfrfjdr fu/kh o kzhkjkr ok<wu : dksvh o:u : dksvh brdk >kyk vkgs- HkkaMoy i;kzirrk izek.k ¼lhvkj,vkj 43-11VDds½ vkf.k jk[kho o brj fu/kh ¼fj>OgZ QaM½ ;kr >kysyh y{k.kh; ok< gs izxrhps o l{kersps ksrd vkgs vkf.k fuoog,uih, 8-37 VDds vkgs- c dsp;k lhkkln la[;sr >kysyh ok< gs c dsojhy fo okl n kzforks- c dspk,uih,- gk brj c dkaizek.ks fparspk fo k; vkgscú;kp ufou o tqu;k c dkauh vkiy;k c dsp;k dk;z{ks=kr kk[kk m?kmy;k vkgsr- cwfdax o vkffkzd {ks=kr ufou ;kstuk] lqfo/kk ns.ksckcr l/;k fnolsafnol tho?ks.kh Li/kkZ fnlwu ;sr vkgs- vkiy;k cwdsusgh cnyr;k ifjflfkrh kh tqgowu?ksrys vkgs- cwdsdjhrk o Hkkx/kkjdkaP;k HkjHkjkVhlkBh vkegh ikjn kzd vkf.k rrij lsok ns.;kps /kksj.k voyafcys vkgs- izkekf.kdi.kk o os;drhd y{k izr;sd xzkgdkalkbh fnys tkrs] euq ;cg vkf.k ik;khkqr lqfo/kkap;k v ;kor rlsp pkaxy;k lalk/kukapk okij d:u cwdhax {ks=kr HkDdei.ks okvpky djhr vkgscwadsps pkvzmz vdksvav es- t;s k nslys vkf.k daiuh ;kauh c dsps vkffkzd o kkzps os/kkfud ys[kkifj{k.k iw.kz dsys sys vlqu c dsp;k dkedktkcn~ny R;kauh lek/kku O;Dr d:u c dsl ^v* oxz fnyk vkgsc dsus lu 2017 & 2018 ;k lkyklkbh lhkklnkauk 15 VDds njkus ykhkka k okvi dj.ksl ijokuxh feg.kslkbh Hkkjrh; fj>ogz c dsdms ikbfoysyk izlrko okf kzd lozlk/kkj.k lhksr eatwjhlkbh lknj dsyk vkgscwdspk lhvkj,vkj fodzeh VDds vl.ks gs c d l{ke vly;kps ksrd vkgs- cwadsyk g;kgh o khz Hkj?kksl uqk ¼: dksvh ½ >kyk vkgs- djiqoz fuoog uqk : dksvh >kysyk vkgs- tks c dsus ik;khkqr lqfo/kkaoj dsysyk [kpz] lsodkauk c<rh] cksul] HkRrs] vkf.k brj [kpz nsowu >kysyk vkgsc dsps lhkkln] Bsohnkj vkf.k dtznkj ;kap;k la[;sr ok< >kysyh vkgs- c dsps dklk fmikw>hve/;s >ikv;kus ok< gksowu rs 31 ekpz 2018 v[ksj :i;s dksvh brds >kys vkgs- ts BsohaP;k VDds brds vkgs- kk[kkarxzr fu;a=.kkr lq/kkj.kk dsy;keqgs cwdsp;k laiw.kz dkedktkr vkeqykxz cny >ky;kps fnlwu ;srsc dsp;k dkedktkr ekx.kh uqlkj vko ;d R;k ekfgrh o ra=kkuke/;s lq/kkj.kk dsy;k Ukarj fd T;k lqfo/kk mpp ntkzp;k vkgsr] gs lkax.;kl eyk vkuan gksr vkgsc dsus g;k o kkzr xzkgdkalkbh ihvks,l] vkwuykbzu [kjsnhlkbh E-com fllve] C-KYC vkf.k :is,vh,e de MschV dkmz lsok lq: dsyh- vkrk xzkgd,vh,e] ihvks,l e khu E-com Onkjs O;ogkj d: kdrkr- Inward IMPS lqfo/kk vk/khiklqu lq: vkgs- E-KYC Page 2

3 vkf.k ckg; (outgoing) IMPS lq: dj.;klkbh c d iz;ru khy vkgs- HDFC c d fjdulhys ku] fqdl fmikw>hv o kqyd vkdkjrs Eg.kwu ATM O;ogkj iq.kz dj.;klkbh FksV lnl;ro flodkj.;kps ikåy mpyys vkgsc dsp;k [kpkzpk rkgesg O;ofLFkri.ks dj.;kr vkysyk vkgs- c dspk izr;{kkrhy [kpz gk vankti=dkis{kkgh deh >kysyk vkgs- kk[kkauk pkyw o kkzlkbhps dkedktklaca/kh d`rh ;kstuk o bz Vkad fnysys vkgsvu; c dsp;k kk[kkae/;s vkf.k R;kaP;k ATM e/;s dw kph derjrk >ky;keqgs tursyk vmp.kha kh lkeuk djkok ykxrks- eyk lkax.;kr vkuan gksrks dh] c dsus FksV fj>ogz c d vkwq bamh;k dmqu Hkjiqj izek.kkr uo;k o LoPN uksvk fegoqu osgsoj vkep;k dkmavj o ATM Onkjs xzkgdkauk vkf.k tursyk miyc/k d:u fnys vkgs- c dsp;k dezpkjh vf.k vf/kdkú;kauh xzkgd o tursyk eukiklwu lsok fnyh- R;kifjLFkhrhr vkep;k o brj c dkap;k xzkgdkaps ns[khy lek/kku >kys- ;keqgs c dsl ukoyksfdd izkir >kysek- lhkklnkauk lqfpr dsys xsys vkgs dh] Hkkjrh; fj>ogz c dsps i= dzekad lcsifoeaq{ksdk-csaiv& I/5238/ / , fnukad 28 Qsczqokjh 2018 e/khy fujh{k.kk uqlkj i;zos{kh dkjokbz ckcr fnys xsysy;k vkns kakps laiq.kzi.ks ikyu dsys tkr vkgsc dsus dkedktkpkk vk<kok?ksrkauk Hkkjrh; fj>ogz c dsus fu/kkzfjr dsysy;k os/kkfud iqrzrk fu;ekaps ikyu dsys sys vkgs- lozlkeku; tuleqnk; vkf.k lektkrhy fofo/k Lrjkrhy?kVdkai;ZUr cwadhax lqfo/kk iksgpfo.;kr cwad ; kloh >kysyh vkgs- ;kuarj fo k;if=dsr fnysy;k vuqdzekuqlkj loz fo k;kaoj lhksr ppkz >kyh- R;kpk lfolrj ri khy iq<hy izek.ks vkgsfo k; dz 1-ekxhy lhkk fn-07 livsacj 2017 jksthps bfro`rr okpwu dk;e dj.ks- Bjko dz-1- ekxhy lhkk fn-07 livsacj 2017 jksthps bfro`rr c dsp;k osclkbvoj miyc/k d:u ns.;kr vkys gksrs- lhkk lq# gksr vlrkauk ekxhy lhksr T;k lqpuk dsy;k R;kaph dk; iqrzrk dsyh v kh fopkj.kk >kyh- ukedks cwad vls ukao okij.ksckcr ek-iz kkld lkgsckauh lkaxhrys dh vki.k ukedks c dspk,d cksmz r;kj dj.;kar vkyk vlqu rks iz kkldh; dk;kzy;kp;k n kzuh Hkkxkr yko.;kr vkysyk vkgs- R;kr vki.k dkagh lqpuk vlrhy rj R;k lqpoko;kr- rls cny d#u loz kk[kkalkbhgh cksmz r;kj dj.;kr ;srhy- R;kuarj c dsp;k lgk-egkizca/kd vkf.k eq[; ys[kkiky dq-la?kfe=k dkgs ;kauh lu 2017&2018 ps laiw.kz bfro`rr okpys miflfkr loz lhkklnkauh lnjps bfro`rr ;ksx; o cjkscj vly;kus R;kl lokzauh eku;rk fnyh- o dk;e dj.;kr ;kos vls Bjys- lqpd % Jh mes k eqanmk vuqeksnd % Jh ujs anz iokj fo"k; dz-2- lu 2017&2018 ;k o"kkzp;k okf"kzd vgokykckcr fopkj fouhe; dj.ks- Bjko dz-2 lu 2017&2018 ;k o kkzpk vgoky c dsps lgk- egkizca/kd vkf.k eq[; ys[kkiky dq-la?kfe=k dkgs ;kauh lhksleksj ekamyk- lhkse/;s,u ih, ok< o ykhkka k u fegky;kus ekth lapkydkap;k xvkus ukjkth O;Dr djhr xksa/kg?kkryk vkf.k pksd khph ekx.kh dsyh- R;koj iz kkldkauh EgaVys dh,uih, vkf.k loz vkffkzd O;ogkjkaph rikl.kh dadjav c dsps bavukzy vkwmhvlz] LVWP;qVjh vkwmhvlz R;kp cjkscj fj>ogz c d vkwq bamh;kps bulisdvlz ;kauh dsysyh vkgs- ;kf kok; ukedks c dsus lq/nk,uih, [kkr;kaph pksd kh d:u vgoky?ksryk vkgs- fjiksvzl~ vkf.k vgokykuqlkj ;ksx; rh vko ;d dk;zokgh dsysyh vkgs- lu 2017&2018 P;k okf kzd vgokykoj ppkz gksåu ;ksx; o cjkscj vly;kus dk;e dj.;kr ;kok vls Bjyslqpd % Jh f konkl Mkxk vuqeksnd % Jh larks k eamyspk fo"k; dz-3- fn-31 ekpz 2018 v[ksjph vkwfmvsm vkffkzdi=ds] rkgscan] uqk&rksvk i=d ;koj fopkj fouhe; dj.ks o eku;rk ns.ks- Bjko dz 3 fn- 31 ekpz 2018 v[ksjph vkffkzdi=ds] rkgscan] uqk& rksvki=d o R;k lkscrph ifjf k Vkaph ekfgrh c dsps lgk ;d egkizca/kd vkf.k eq[; ys[kkiky la?kfe=k dkgs ;kauh lhksyk fnyh- R;koj lhksr ppkz >kyh ifjf k Vkaph ekfgrh ;ksx; o cjkscj vly;kus R;kl eatqjh ns.;kr vkyhlqpd % Jh jktsa anz ckq.kk vuqeksnd % Jh mes k eaqnmk Page 3

4 fo"k; dz-4- uqkokv.kh o 15 ykhkka k okvikl ¼Hkkjrh; fj>ogz c dsp;k eatwjhuarj½ eku;rk ns.ks- Bjko dz 4 fnukad 31 ekpz 2018 jksthp;k vgokykrhy uqkokv.kh th c dsus r;kj dsyh vkgs] rh c dsp;k eq[; dk;zdkjh vf/kdkjh ve`rk lkbs ;kauh lhksl okpwu nk[kfoyh- lnjph uqk okv.kh [kkyhy izek.ks& u ;kps oxhzdj.k ri khy jdde 25 VDds jk[kho fu/kh VDdk f k{k.k fu/kh VDds vkirdkyhu fu/kh xqaro.kwd p< & mrkj fu/kh VDds /keznk; fu/kh VDds ykhkka k vkdfled jk[kho fu/kh la kf;r o cqmhr dtz fu/kh ,dq.k 25]95]59] ppzsuarj uqkokv.kh ;ksx; o cjkscj vly;kus R;kl eku;rk fnyh- lqpd % Jh gsear /kk=d vuqeksnd % Jh xtkuu ksykj fo"k; dz-5- fn-31 ekpz 2018 v[ksj vankti=dkis{kk tknk >kysy;k [kpkzl eku;rk ns.ks vkf.k lkuqxzg vuqnku o cksul ns.;kl eku;rk ns.ks- Bjko dz 5 lu 2017 &2018 ;k vkffkzd o"kkzr vankt i=dkis{kk tknk [kpz >kysyk uly;kph ekfgrh c dsp;k eq[; dk;zdkjh vf/kdkjh ve`rk lkbs ;kauh lhksyk fnyh- vankti=dkuqlkj c dspk [kpz #-267 dksvh 10 yk[k brdk gksrk ijarw izr;{kkr gk [kpz #-200 dksvh 28 yk[kkpk >kyk vkgs- cksul o lkuqxzg vuqnku vkf.k [kpkzl eku;rk ns.;kr vkyhlqpd % Jh ek/kojko Hk.kxs vuqeksnd % Jh xtkuu ksykj fo"k; dz-6- lu 2018&2019 lkykp;k [kpkzp;k vankti=dkyk eku;rk ns.ks- Bjko dz 6 lu 2018&2019 lkykp;k vankt i=dkckcrph ekfgrh c dsp;k lgk ;d egkizca/kd vkf.k eq[; ys[kkiky dq la?kfe=k dkgs ;kauh lhksyk okpqu nk[kfoyh- ekxp;k loz lk/kkj.k lhks e/;s ufou LkkWW Vosvj?ks.;k ckcr eatqjh fegkyh gksrh R;k uqlkj LkkWW Vosvj [kjsnh dsys ckcrph ekghrh lhksyk ns.;kr vkyh R;koj vk/kqfud LkkWW Vosvj?ksrkauk fuohnk ekxfoy;k gksr;k dk\ vlk iz u lhkklnkauh milfkhr dsyk R;koj ek-iz kkld lkgsckauh lkaxhrys dh ukekafdr daiu;kaps dksvs kul ekxowu ;ksx; R;kp lkw Vosvj daiuhdmqu [kjsnh dj.;kr vkys vkgs- izr;sd eksbh [kjsnh fuohnk ekxoqup dj.;kr ;srs R;ke/;s iq.kz ikjn kzdrk vkgs- R;k oj lfolrj ppkz dj.;kr ;sowu vankti=dkyk eku;rk ns.;kar vkyhlqpd % Jh xtkuu ksykj vuqeksnd % Jh ia<jhukfk cksmds fo"k; dz-7- lu 2017&2018 P;k os/kkfud ys[kkifj{kdkap;k vgokykph o R;kP;k iwrzrk vgokyk ckcr fopkj fouhe; dj.ks- Bjko dz 7 lu 2017&2018 ;k lkyklkbh os/kkfud ys[kkifj{kdkauh r;kj dsysyk o c dsyk izkir >kysyk os/kkfud ys[kkifj{k.k vgoky rlsp R;kckcr c dsus r;kj dsysy;k nks knq#lrh vgokykps okpu c dsps lgk ;d ljo;olfkkid Jh jfoanz dkums ;kauh dsys- c dsyk vkwmhv oxz ßvÞ fegkyk vkgs- R;koj lhksr lfolrj ppkz dj.;kr ;såu gs nksugh vgoky ;ksx; o cjkscj vly;kus R;kaph uksan?ks.;kr vkyh- Page 4

5 lqpd % Jh fot; lkus vuqeksnd % Jh izqqyy lapsrh fo"k; dz-8- lu 2018&2019 ;k o"kkzlkbh os/kkfud ys[kkifj{kdkaph use.kwd dj.ks o R;kaps eku/ku Bjfo.;kpk vf/kdkj iz kkldkauk ns.ks- Bjko dz 8 c dsps iz kkld Jh ts-ch-hkksfj;k ;kauh lu 2018&2019 ;k vkffkzd o"kkzlkbh os/kkfud ys[kkifj{kdkps use.kwdhckcrph lfolrj ekfgrh lhksyk fnyh- R;koj ppkz dj.;kr vkyh- R;kuqlkj lu 2018&2019 ;k o kkzlkbh c dsps os/kkfud ys[kk ifj{kd Eg.kwu lunh ys[kkiky es t;s k nslys vw.m dks- ;kaph fu;qdrh dj.;kr ;koh vls Bjys- rlsp R;kaps eku/ku Bjfo.;kpk vf/kdkj iz kkld Jh ts-ch-hkksfj;k ;kauk ns.;kr vkys- lqpd % Jh xtkuu ksykj vuqeksnd % Jh jatu Bkdjs fo"k; dz-9- lu 2019&2020 ;k o"kkzlkbh dadjav vkwfmvlzp;k use.kwdhpk vf/kdkj lapkyd eamgkl ns.ks- Bjko dz 9 lu 2019&2020 ;k o"kkzlkbh c dsp;k dadjav vkwmhvlzp;k use.kwdh ckcrps lozloh vf/kdkj lapkyd eamgkyk ns.;kar ;kosr vls Bjyslqpd % Jh /kuat; FksVs vuqeksnd % Jh vkdk k NktsM fo"k; dz-10- lapkyd o R;kaP;k ukrsokbzdkauk fnysy;k dtkzaph uksan?ks.kss- Bjko dz 10 lapkyd o R;kaP;k ukrsokbzdkauk fnysy;k dtkzckcrph ekfgrh c dsp;k eq[; dk;zdkjh vf/kdkjh ve`rk lkbs ;kauh lhksyk fnyh- lu 2017&2018 e/;s dqby;kgh ekth lapkydkauk dtzs ns.;kr vkysyh ughr rlsp l/;k dks.khgh lapkyd O;Drhxr vfkok R;kaps ukrsokbzd Lor% Fkdckdhnkj ukghr ;kph ekfgrh lhksyk ns.;kr vkyh- R;kph uksan?ks.;kr vkyhlqpd % Jh panzdkar dya=h vuqeksnd % Jh ek/kojko Hk.kxs fo"k; dz-11- lapkyd eamg fuom.kqdh lanhkkzr Hkkjrh; fj>ogz c dsdmqu vkysy;k i=kph ukasn?ks.ks- ¼i= fnukad ½ Bjko dz 11 lapkyd eamg fuom.kqdh lanhkkzr Hkkjrh; fj>ogz c dsdmqu vkysys i= tk-dz lcsaifoeqa{ksdk-csiv-i/8298/ / , fnukad uqlkj c dsps iz kkld ek- Hkksfj;k lkgsc ;kauh lhksyk lkaxhrys o R;koj lfolrj ppkz dj.;kr vkyh- R;ke/;s fmlsacj i;zark fuom.kwdk?ksry;k ikghts v kh ekx.kh lhkklnkauh dsyh- R;koj ek-hkksjh;k lkks ;kauh vls lkafxrys dh fuom.kwd izkslsl lq: dsyh vlqu fuom.kwdh lnhkkzr lsavªy jftlvªkj fnyyh ;kap;kdms i= O;ogkj dsyk vlqu R;kaps mrrj vky;koj fuom.kqdhckcr fuom.kwd fu.kz; vf/kdkjh use.kwd] lhkkln ;knh v ;kor dj.ks br;knh dk;zokgh dj.;kr ;sbzy fuom.kwdh dkeh loz izdkjph dk;zokgh vkf.k [kpkzl vf/kdkj ek-iz kkld lkgsc ;kauk ns.;kr vkys vkgslqpd % Jh gsear /kk=d vuqeksnd % Jh lqfuy vkmds fo"k; dz-12- vkdfled o /keznk; fu/kh brj fu/kh e/;s oxz dsy;kph ukasn?ks.ks- Bjko dz 12 c dsp;k eq[; ys[kkiky dq la?kfe=k dkgs ;kauh c dsp;k vkdfled fu/khe/kqu jdde : 18 dksvh 50 yk[k la k;hr o cqmhr dtkzlkbhph rjrqn ;k QaMkr oxz dsy;kph ekfgrh lhksyk fnyh- c dsp;k /keznk; fu/khrwu brj fu/kh e/;s dkghgh jdde oxz dj.;kr vkysyh ukgh v kh ekghrh lhksyk ns.;kr vkyh- R;kph uksan?ks.;kr vkyhlqpd % Jh ika-hkk-djatdj vuqeksnd % Jh ikvhy t;oar Page 5

6 fo"k; dz O;k okf kzd lozlk/kkj.k lhksyk xsjgtj vlysy;k lhkklnkaph xsjgtsjh ekq dj.ksckcr Bjko dz 13 ts lhkkln lozlk/kkj.k lhkkauk xsjgtj vlrhy R;kaph xsjgtsjh ekq dj.;kfo k;hps vkokgu c dsp;k eq[; dk;zdkjh vf/kdkjh ve`rk lkbs ;kauh lhksyk dsys- R;kal lhksrhy loz lhkklnkauh eatwjh fnyh- R;kizek.ks lhkkauk xsjgtj vl.kkú;k lhkklnkaph xsjgtsjh ekq dj.;kr ;koh vls Bjyslqpd % Jh xtkuu ksykj vuqeksnd % Jh gsear /kk=d fo"k; dz-14- ek-v/;{k ;kap;k ijokuxhus,suosgh ;s.kkú;k fo"k;kapk fopkj dj.ks- Bjko dz 14 1½ c dsp;k eq[; dk;zdkjh vf/kdkjh ve`rk lkbs ;kauh lhksyk dkgh iz u ckdh vly;k lanhkkzr fopkjys vlrk lhkklnkauh iariz/kku vkokl ;kstus vraxzr feg.kkjh lcflmh ¼: 2 yk[k½ gh dtzs izdj.ks lq/nk vkiy;k c dsrqu Ogkohr- v kh lqpuk lhkklnkauh ekamyh R;koj c dsps iz kkld ek-hkksjh;k lkks ;kauh ;kph ekfgrh?ksåu v kh x`gdtzs ns.;kr ;srhy vls lkaxhrys- 2½ ek-lhkklnkauk lqfpr dsys fd] Hkkjrh; fj>ogz c dsps i= dz- tk-dz lcsaifo-eqa{ksdk-csiv- I/5238/ / , fnukad 28 Qsczqokjh 2018 e/khy fufj{k.kk uqlkj i;zos{kh dkjokbzckcr fnys xsysy;k vkns kkapslaiq.kz i.ks ikyu tkr vkgs- 3½ ek-iz kkld lkgsckauh lkaxhrys dh] i),uih, e/;s >kysyh ok< vkf.k lhkklnkauk ykhkka k okvi u >ky;keqgs /keznk; fu/khrqu Jh egkfoj tsu /kekzfkz nok[kkuk ;kauk ns.kxh ns.ks mfpr okvr ukghii) nqikjh lozlhkklnkauk izf k{k.kkr lghkkxh gks.;kckcr fouarh dsyh- ;s.ksizek.ks fo k; if=dsuqlkj lhksps dkedkt iw.kz >kys- iz kkld ek- Jh Hkksfj;k lkgsckauh lhkslkbh vkysy;k loz iz ukaph mrrjs fnyh vkf.k c dsp;k izxrhps vkdms lkaxhrys ijarw R;kauk cktq ekamw u fny;kcn~y R;kauh [kar O;Dr dsyhmiflfkr lhkklnkauh ppszr lghkkx uksanfoy;kcn~ny c dsps iz kkld ek-jh- Hkksfj;k lkgsc ;kauh lhkklnkaps vkhkkj ekuys- R;kuarj lkeqnkf;d jk Vªxhr Eg.kwu lhkk lekirhph?kks k.kk dj.;kr vkyhek-jh- Hkksfj;k lkgsc ;kauh lhksyk miflfkr lhkkln] dezpkjh vkf.k loz eku;ojkauk lhkklfkkuh vlysy;k Lusg Hkkstukpk vklokn?ks.;kph fouarh dsyh- rlsp dks.khgh tsoy;k f kok; lhkklfkku lksmw u;s vlk vkxzg dsyk- ;kizek.ks lhkk laiuu >kyh- ve`rk lkbs eq[; dk;zdkjh vf/kdkjh ts-ch-hkksfj;k iz kkld Page 6