J«mhH$m§à {V ~–H o$À‘m ~m§{YbH$sMr g§{hVm · ì‘p−VJV J«mhH$m§e r ì‘dhma H$aVmZm...

$Page 1: J«mhH$m§à {V ~–H o$À‘m ~m§{YbH$sMr g§{hVm · ì‘p−VJV J«mhH$m§e r ì‘dhma H$aVmZm gXæ‘ ~–H $m§Z r ~–{H§$J god m§M m H$_rV H$_r H$gm XOm'amImdm hogm§JUmar$
maVr ~±qH$J gßhVm AmU _mnXßS> _ßS>i

JmhH$mß‡V ~±Ho$¿m ~mßYbH$sMr gßhVm

OmZodmar 2014

Ïpä VJV JmhH$mßer Ïdhma H$aVmZm gXÒ

~±H$mßZr ~±Hß$J godmßMm H$_rV H$_r H$gm XOm© amImdm

ho gmßJUmar hr JmhH$ hä H$mMr gßhVm Amho. m_wio

JmhH$mbm gßajU _iVo d ~±H$mßZr JmhH$mßer Zoh_rMo

Ïdhma H$aVmZm H$go dmJbo nmhOo hohr H$iVo.

maVr ~±qH$J gßhVm AmU _mnXßS> _ßS>i - OmZodmar 2014

AZwH$_UH$mnoO

1. ‡ÒVmdZm ................................................................................................1

1.1gßhVoMr C‘ÓQ>o .............................................................................................................1

1.2gßhVoMm dmna ..............................................................................................................1

2 _wª dMZo ............................................................................................. 2

2.1AmnÎm‡Vr Am_Mr _wª dMZo.....................................................................................2

2.1.1Vw_¿mer gd© Ïdhmamß¿m ~m~VrV,

gß wä VH$ d ZÓnj dV©Z H$aUo ....................................................................................2

2.1.2Am_Mr AmW©H$ CÀnmXZo d godm H$er H$m_o H$aVmV ho VwÂhmbm

g_O mgmR>r AmÂhr ho H$Í$...........................................................................................3

2.1.3Vw_Mo ImVo H$ßdm godm mßMm godm CnmoJ H$a mgmR>r _XV H$aUo .........................................3

2.1.4¡m JmoÓQ>r MwH$s¿m hmoD$ eH$VmV Aem doir MQ>H$Z d ghmZw VrnyU© dmJUo.............................................................................................................................4

2.1.5Vw_Mr gd© d° ä VH$ _mhVr ImOJr d Jw· R>odUo ...................................... 4

2.1.6gßhVm OZVon™V nmoMd mgmR>r AmÂhr ho H$Í$ .......................................................4

2.1.7oXmd_wä V ZrVrMm AßJH$ma H$aUo d ‡ÀjmV AmUUo .....................................................4

3 _mhVr - nmaXe©H$Vm .................................................................................4

3.1gm_m› _mhVr ..............................................................................................................5

3.2"\$moZ H$Í$ ZH$m' godm......................................................................................................5

3.3ÏmOXa.......................................................................................................................5

3.3.1ÏmOXamVrb ~Xb .........................................................................................................6

3.4Q>oar\$ eoS>Áwb (‡ewÎH$ AZwgyMr)$ ................................................................6

3.4.1ewÎH$ d AmH$ma ..............................................................................................................6

3.4.2ewÎH$ d AmH$mamVrb ~Xb .............................................................................................7

3.5AQ>r AmU eVu ............................................................................................................7

3.5.1AQ>r AmU eVu _Yb ~Xb.............................................................................................7

4 OmhamV, dnUZ d dH$r ..........................................................................8

5 ImOJrnUm AmU Jw·Vm .............................................................................8

5.1H$O© _mhVr Hß$n›m..................................................................................9

6 Xoo ame O_m H$aUo .............................................................................. 10

6.1Xo ame Jmoim H$aUo d JhmU dÒVyßMm Vm~m Ko mMo YmoaU ............................... 12

7 VH$mar, JmËhmUr ZdmaU d A‡m...................................................... 12

7.1AmVß[aH$ n’V.........................................................................................................12

7.2~∞qH$J bmoH$nmb moOZm................................................................................................13

7.3JmhH$ gm ................................................................................................................13

7.4emIm ÒVar JmhH$ godm g_V gm............................................................................13

8 CÀnmXZo d godm............................................................................................................13

8.1R>od ImVo......................................................................................................................13

8.1.1ImVo CKS>Uo d R>od ImÀm_Yrb Ïdhma ....................................................................14

8.1.2ImVo ~XbUo...............................................................................................................15

8.1.3~MV/Mmby ImVo .........................................................................................................16

8.1.3.1H$_mZ eÎbH$ .........................................................................................................16

8.1.3.2AmH$maUr ...................................................................................................................16

8.1.3.3nmg~wH$/ddaUnÃ.................................................................................16

8.1.3.4R>od ImÀmßMr loUr dmT> .................................................................................................17

8.1.4AkmZ _wbmßgmR>r ImVo...................................................................................................17

8.1.5A‡dVu/gw· ImVo.........................................................................................................17

8.1.6ImVo ~ßX H$aUo ..............................................................................................................18

8.2g_memoYZ MH$/gßJh dgybr godm ..................................................................................18

8.3amoH$S> Ïdhma ............................................................................................................19

8.4‡Àj IMu Q>mH$Uo d ÒWmr gyMZm................................................................................19

8.5‡XmZ Wmß~d mMr gwdYm..............................................................................................19

8.6VwÂhr Omar Ho$bobo MoH$/Zmdo bh m¿m gyMZm ...............................................20

8.7_wXV R>odr...............................................................................................20

8.7.1R>od VmaUm darb H$O© ...............................................................................21

8.8_V ImVoXmam dfr Xmdm ...........................................................................................21

8.8.1CŒmaOrdr/Zm_ZXe H$b_ Agbobo ImVo .....................................................................22

8.8.2CŒmaOrdr/Zm_ZXe H$b_ Zgbobo ImVo .....................................................................22

8.8.3Xmdm MwH$Vm H$a mg bmJUmam doi.................................................................................23

8.8.4_wXV R>odr _wXVrnydu _moS>Uo.............................................................................................23

8.8.5_V ImVoXmam¿m Zmdmda oUmam n°emMm AmoK ...............................................................23

8.9gwajm R>od, bm∞H$a ....................................................................................................24

8.10dXoe dZ_ godm......................................................................................................24

8.11maVmV n°go nmR>dUo ..................................................................................................25

8.12H$O©............................................................................................................................25

8.12.1H$O© ...........................................................................................................................26

8.12.1.1gm_m› _mhVr ............................................................................................................26

8.12.1.2H$O© AO© d ÀmMr ‡H$m ........................................................................................26

8.13h_r........................................................................................................................28

8.14Ho$ß–r Zm|XUr (g|Q¥>b aOÒQ¥>r) .................................................................................30

8.15Xo amerMm hemo~ nyU© H$aUo .......................................................................................30

8.16H$O© d H$mS>m©¿m Xo VoMo ‡VyVH$aU............................................................................30

8.17Bboä Q¥>m∞ZH$ ~±qH$J .......................................................................................................31

8.17.1nZ (PIN d° ä VH$ AmoiI H$_mßH$) AmU nmgdS>© (nadbrMm e„X)....................31

8.17.2BßQ>aZoQ> ~±H$ßJ.............................................................................................................32

8.17.3_mo~mB©b ~±H$ßJ............................................................................................................35

8.17.4EQ>rE_/S>o~Q> d Ho$S>Q> H$mS>© ......................................................................................36

8.17.4.1ZwH$gmZ/Mmoar/dmXJÒV Ïdhma H$idUo......................................................37

8.17.5Ho$S>Q> H$mS>© ................................................................................................................39

8.17.5.1Ho$S>Q> H$mS>© ddaU nÃ..................................................................................................40

8.18ÃÒW nj CÀnmXZo (WS>© nmQ>u ‡m∞S>ä Q>) .......................................................41

8.19Ho$S>Q> g_wnXoe gwdYm .................................................................................................42

8.20[aH$mS>© ‡m· H$aZm ........................................................................................................42

9 emIm ~ßX H$aUo / emIoMr OmJm ~XbUo ........................................................43

10 AmW©H$ g_mdoeZ ......................................................................................................43

11 ¡o> ZmJ[aH$ AmU AnßJ Ïä V..................................................................................46

12 Vw_¿m ImÀmMr gwajm ................................................................................................48

12.1gwajV d ImÃrera ~±qH$J d no_|Q> gÒQ>r_......................................................................48

12.2AmÂhr ÒdV:bm A⁄mmdV R>ody....................................................................................... 48

12.3Vw_Mo ImVo VnmgUo (bj R>odUo) ...................................................................................48

12.4H$miOr KoUo ...............................................................................................................48

12.5no_|Q> a‘ H$aUo .................................................................................................. 49

12.6ZwH$gmZrMr O~m~Xmar .................................................................................................49

n[aeÔ> ÒnÓQ>rH$aUH$moe....................................................................................................50-53



‡ÒVmdZm

Ïpä VJV JmhH$mßer Ïdhma H$aVmZm gXÒ ~±H$mßZr ~±Hß$J godmßMm H$_rV H$_r H$gm XOm© amImdm ho gmßJUmar hr JmhH$ hä H$mMr gßhVm Amho. m_wio JmhH$mbm gßajU _iVo d ~±H$mßZr JmhH$mer Zoh_rMo Ïdhma H$aVmZm H$go dmJbo nmhOo hohr H$iVo.

hr gßhVm [aPÏh© ~±Ho$¿m Zm_H$ qH$dm n©dojH$ AZwXoe gyMZmß¿m ~Xbr qH$dm EodOr Xbobr Zmhr. [aPÏh© ~±Ho$Zo doimodoir XboÎm gyMZmßMo d ZXemßMo AmÂhr nmbZ H$Í$ gßhVm¿m VaVyXr_‹o ZYm©[aV Zm_H$ gyMZmßnojm C¿MÒVar _mnXßS> (‡_mU) ‡ÒWmnV Ho$bobr Agy eH$VmV AmU Aemdoir C¿MÒVar _mnXßS> ‡MbV ahVrb H$maU hr gßhVm ÂhUOo Am_¿m¤mao Eop¿N>H$[aÀm ÒdrH$maboÎm gdmŒm_ ‡Wm AgVrb mgmR>r AmÂhr VwÂhmbm dMZ~’ AmhmoV.

MmßJbr JmhH$ godm Xo mgmR>r d JmhH$mbm OmÒVrV OmÒV g_mYmZ Ïhmdo mgmR>r ~±H$ßJ godmß¿m C¿MÒVa _mnXßS>mMm AmÂhr AßJH$ma H$Í$.

gßhVo_‹o CÎboIbobm "VwÂhr' ÂhUOo JmhH$ d AmÂhr ÂhUOo ¡mß¿mer JmhH$ Ïdhma H$aV Agob Vr ~±H$

1.1 gßhVoMr C‘Ô>o

gßhVm Imbrb JmoÔ>rgmR>r dH$gV Ho$br Amho.

H$) AmÂhr Vw_¿mer Ïdhma H$aVmZm ~±[Hß$J ‡Wmß¿m H$_mZ XOm™Mm ÒVa ZÌMV H$Í$Z MmßJÎm d ZÓnj godmßMm nwaÒH$ma H$aUo.

I) nmaXe©Vm dmT>dUo ¡m_wio ~±Ho$¿m godoVyZ VwÂhmbm Am_¿m H$Sy>Z gß wä VH$ Anojm H$m AgmÏmV m~‘b Vw_Mr OmU dmT>dUo.

J)ÏdhmamMm C¿MVa XOm© JmR> mgmR>r ÒnYm©À_H$ ~mOmam eä VßZm ‡moÀgmhV H$aUo.

K) VwÂhr d Vw_Mr ~±H$ m_‹o ZÓnj d OÏhmmMo ZmVo Z_m©U H$aUo.

L ) ~∞ßqH$J ‡Umbr _‹o dÌdmg dmT>dUo.

dmJ 2 _Yrb _wª ~mßYbH$sMm g_mdoe gßhVo¿m _mnXßS>m_‹o Ho$bm Amho.

1.2 gßhVoMm dmna

oWo CÎboIbobr gd© CÀnmXZo Am_¿mV\$ XoD$ Ho$bobr AgVrb qH$dm ZgVrb, Varhr m gßhVoVVrb VaVyXr Imbr XboÎm gd© CÀnmXZo d godmßZm bmJy AmhoV. ¡m Am_¿m emIm qH$dm Am_¿m dVrZo H$m_ H$aUmao EOßQ>, H$mCßQ>dÍ$Z, \$moZdÍ$Z, nmoÔ>mZo, Bboä Q¥>m∞ZH$ _m‹_mZo, BßQ>aZoQ> qH$dm BVa H$moUÀmhr n’VrZo XÎm OmV AgVrb.


H$. Mmby ImVo, ~MV ImVo, _wXV R>odr, AmdVu R>odr. gmd©OZH$ dÓ Zdm©h ZYr ImVo (PPF) d BVa gd© ‡H$maMr R>od ImVr

I. ‡XmZ (Payment) godm, Ogo Zd•Œm doVZ, no_oßQ> Am∞S>©a, n°go nmR>d mMr gwdYm Ogo YZmH$f© (S>_mßS> S¥>m‚Q>), dma Q¥>m›g\$a d gd© Bboä Q¥>m∞ZH$ _m‹_o Ogo, AmaQ>rOrEg, EZB©E\$Q>r

J. gaH$mar Ïdhmamer gß~ßYVV ~±qH$J godm

K. S>r_∞Q> ImVo, g_VyÎ (Bpä dQ>r), gaH$mar amoIo

L . maVr MbZr ZmoQ>m/ZmUr ~Xb mMr gwdYm

M. gwajV R>od bm∞H$a gwdYm, gwajm R>od godm, YZmXoemßMr dgybr,

N>. H$O, AYH$f© d h_r

O. n°go ~XbyZ Xo mgh dXoer dZ_ godm

P. Am_¿m emImß¤mao AmU/qH$dm Am_¿m AYH•$V ‡VZYr qH$dm EOßQ>¤mao dH$br OmUmar ÃÒW nj qH$dm d JwßVdUyH$ CÀnmXZo

ƒm. Ho$S>Q> H$mS>©, S>o~Q> H$mS>©, EQ>rE_ H$mS>©, Ò_mQ>© H$mS>© Aer H$mS>© CÀnmXZo d godm (Am_¿m gßbΩZ Hß$n›mßZr XoD$ Ho$bobr Ho$S>Q> H$mS>m™gh)

(R>iH$ AjamVrb e„XmßMo AW© n[aeÔ> _‹o ""ÒnÔ>rH$aU H$moemV'' Xbo AmhoV.)

2. _wª dMZo

2.1 AmnÎm‡Vr Am_Mr _wª dMZo

2.1.1 Vw_¿mer gd© Ïdhmamß¿m ~m~VrV, Imbrb ~m~tMr ZpÌMVr H$Í$Z gß wpä VH$ d ZÓnj dV©Z H$aUo.

H$. ~±Ho$¿m H$mCßQ>ada aä H$_/YZmXoe ÒdrH$maUo d XoUo m H$_mZ ~±qH$J gwdYm nwadUo.

I. AmÂhr AmnÎmbm XoD$ Ho$bobr CÀnmXZo d godm AmU AmÂhr nmiV AgboÎm n’V d ‡Wm m ~m~VrV m gßhVo_‹o ZpÌMV Ho$bobr dMZo d _mnXßS> JmR>Uo.

J. Am_Mr CÀnmXZo d godm m gß~ßYV H$mXo d Z_mßZwgma AgVrb VgoM Vw_¿m JaOmßer gwgßJV AgVrb mMr AmÂhr H$miOr KoD$.

K. Am_Mo Vw_¿mer Ïdhma ho nmaXe©H$Vm d EH$mÀ_VoMo Z°VH$ VÀd nmiUma AgVrb.

L . gwajV d dÌdgZr ~±qH$J d ‡XmZ ‡UmbrMm AmÂhr dmna H$Í$.


2.1.2 Am_Mr AmW©H$ CÀnmXZo d godm H$er H$m_o H$aVmV ho VwÂhmbm g_O mgmR>r AmÂhr ho H$Í$ -

H$. VwÂhmbm Imbrb n°H$s H$moUÀmhr EH$m qH$dm Àmnojm OmÒV mfmß_‹o _mhVr nwadUo - hßXr, BßJOr qH$dm ÒWmZH$ mfm.

I. Am_¿m OmhamVr d dnUZ gmhÀ ho ÒnÔ> Agob d J°ag_O H$Í$Z XoUmao Zgob mMr H$miOr KoUo.

J. VwÂhmbm Am_¿m CÀnmXZmßMr d godmßMr ÒnÔ> _mhVr XoUo, AQ>r d eVu d ÏmOXa/godm AmH$ma Omo bmJy Agob Àmdfr _mhVr Xo mMr ZpÌMVr H$aUo.

K. VwÂhmbm H$moUÀm gwdYm _iy eH$VmV d Àm H$em _idmÏm mMr _mhVr XoUo AmU Mm°H$ergmR>r VwÂhr H$moUmbm d H$go oQ>mdo mdfrMr _mhVr XoUo.

2.1.3 Vw_Mo ImVo qH$dm godm mßMm CnmoJ H$a mgmR>r _XV H$aUo.

H$. m ~m~V VwÂhmbm Z_V gwYm[aV _mhVr nwadUo.

I. ÏmOXa, AmH$ma qH$dm AQ>r d eVv m_‹o H$mhrhr ~Xb PmÎmg VwÂhmbm H$idUo.

J. Vw_¿m _mhVrgmR>r ~±Ho$V ‡Xe©V H$a m¿m JmoÔ>r -

i)AmÂhr XoV AgboÎm godm

ii) ~MV AmU Mmby ImÀmgmR>r AmdÌH$ H$_mZ [eÎbH$ d H$_mZ eÎbH$ Z R>odÎmg bmJUmam AmH$ma

iii) Vw_Mr H$mhr VH$ma AgÎmg VwÂhr emIoVrb H$moUÀm AYH$mËmbm oQ>mdo, ÀmMo Zmd

iv) emIo_‹o Vw_¿m VH$marMo ZdmaU Z PmÎmg VwÂhr ¡m PmoZb/‡mXoeH$ ÏdÒWmnH$mbm/‡YmZ ZmoSb AYH$mËmbm oQy> eH$Vm ÀmMo Zmd d nŒmm.

v) emIm ¡m ~±qH$J bmoH$nmb¿m ›mH$ joÃmImbr oV Agob ÀmMo Zmd d nŒmm

vi) nwpÒVHo$¿m ÒdÍ$nmV Cnb„Y Agbobr _mhVr

K. Imbrb JmoÔ>r~‘bMr Am_Mr YmoaUo (Policies) Am_¿m do~gmB©Q>da XoUo -

i) R>odr

ii) MoH$ dgybr

iii) VH$ma ZdmaU

iv) ZwH$gmZ anmB©

v) Xo aH$_m KooUo d VmaU naV KoUo


2.1.4 ¡m JmoÔ>r MwH$s¿m hmoD$ eH$VmV Aem doir MQ>H$Z d ghmZw yVrnyU© dmJUo

H$. MwH$m Vm~S>Vmo~ XÍ$ÒV H$aUo d MwH$s_wio Oa ~±Ho$Zo H$mhr AmH$ma bmdbm Agob Va Vmo a‘ H$aUo, Am_¿m MwH$s_wio Vw_Mo AmW©H$ ZwH$gmZ Pmbo Va Am_¿m ZwH$gmZanmB©¿m YmoaUm‡_mUo Vo Í$Z XoUo.

I. Vw_¿m VH$matMr Vm~S>Vmo~ XIb KoUo.

J. Oa Vw_Mo g_mYmZ Pmbo Zmhr Va Vr VH$ma H$er nwT>o ›mdr m~‘b _mhVr XoUo.

K. VmßÃH$ MwH$s_wio H$m_mV AS>Wim AmÎmg nm© r moΩ _mJ© dmnaUo.

2.1.5 Vw_Mr gd© d° ä VH$ _mhVr ImOJr d Jw· R>odUo.

Imbrb n[a¿N>oX 5 _Yrb ~m~r gmoSy>Z AmÂhr Vw_Mr gd© d° pä VH$ _mhVr ImOJr d JwflV R>ody.

2.1.6 gßhrVm OZVon™V nmoMd mgmR>r AmÂhr ho H$Í$:

H$. VwÂhr ZdrZ JmhH$ Agmb Va ImVo CKS>VmZm qH$dm Eadr _mJUr Ho$Îmg gßhrVoMr EH$ ‡V Xo mV oB©b.

I. gßhrVm ‡ÀoH$ emIo_‹o d Am_¿m do~gmB©Q>da Cnb„Y Agob.

J. gßhrVoer gß~ßYV _mhVr VwÂhmbm Xo mV d gßhrVo ‡_mUo ‡ÀjmV dmJ mgmR>r Am_Mo H$_©Mmar ‡ejV AgVrb mMr AmÂhr H$miOr KoD$.

K. gßhVm d ÀmVrb VaVyXt dfr JmhH$mß_‹o OmJ•Vr Ïhmdr ÂhUyZ BVa hr _mJ© dmnÍ$.

2.1.7 oXmd_wä V ZrVrMm AßJH$ma H$aUo d ‡ÀjmV AmUUo.

AmÂhr d, dße, qbJ, d°dmhH$ XOm©, Y_©, AnßJÀd qH$dm AmW©H$ pÒWVr mda AmYmm[aV oXmd H$aUma Zmhr.

3. _mhVr - nmaXe©H$VmVwÂhr Imbrbn°H$s H$moUÀmhr _m‹_mVyZ ÏmOXa, ewÎH$ d AmH$ma mgß~ßYrMr _mhVr _idy eH$Vm :

H$. Am_¿m emImß_Yrb ZmoQ>rg-~moS>©

I. Am_¿m emIoV qH$dm hoÎn-bmB©Zda \$moZ H$Í$Z

J. Am_¿m do~gmB©Q>da

K. AmÂhr mgmR>r Zo_boÎm H$_©MmËmßH$S>o qH$dm _XVrgmR>r Zo_boÎm H$_©MmËmßH$S>o Mm°H$er H$Í$Z

L. Am_¿m emIm AmU do~gmB©Q>da Agbobo ‡ewÎH$ AZwgyMr (Q>o[a\$ eoS>Áwb) nmhZ


3.1 gm_m› gyMZm

AmÂhr ho H$Í$ :

H$. Vw_¿m JaOmßer Aem Am_¿m CÀnmXZo d godm mßMr _mhVr XoD$.

I. ""gmYo ~MV ImVo'' CKS> mgmR>r bmJUmËm H$mJXnÃmßMr mXr emIo_‹o ◊mfr/Ãmfr Í$nmV bmdy. ""N>moQ>o ImVo'' CKS> mgmR>r bmJUmËm H$_rV H$_r mXr hr bmdy.

J. VwÂhmbm hdr Agbobr Am_Mr CÀnmXZo d godm mßMr _wª d°eÔ>o gmßJyZ ÒnÔ> _mhVr XoD$, ¡m_‹o bmJy Agbobm ÏmOXa, ewÎH$ d AmH$ma mßMm g_mdoe Agob.

K. AmÂhr Or CÀnmZo d godm EH$mnojm OmÒV _mJm™Zr XoV Agy Ogo, EQ>rE_ ¤mao BßQ>aZoQ>da, \$moZ¤mao, emIo_‹o dJ°ao Va ÀmMr _mhVr XoD$ d Àmdfr AYH$ _mhVr VwÂhmbm H$er _iob ho hr gmßJy.

L. Am_¿m H$mXodfH$, Zm_H$ d AmßV[aH$ YmoaUmß¿m JaOmßgmR>r Vw_Mr AmoiI d nŒmm g’ H$a mgmR>r H$moUVr _mhVr AmÂhmbm bmJVo, ho AmÂhr VwÂhmbm gmßJy.

M. Vw_Mo hä H$ d O~m~Xmar, deofV: AmÂhr XoD$ Ho$boÎm Zm_ZXeZ gwdYoMm dmna H$aUo Or gd© R>od ImVr, gwajm H$jVrb dÒVy d gwajm R>od H$j mda Xbr OmVo, mgmR>rMr _mhVr XoD$.

3.2 ""\$moZ H$Í$ ZH$m godm''

VwÂhr Am_¿m ~±Ho$¿m ""\$moZ H$Í$ ZH$m godm'' qH$dm ""amÔ¥>r \$moZ H$Í$ ZH$m'' _‹o ‡Àj AWdm AmnÎm godm nwadUmËm _m\©$V Zm|XUr Ho$br Va Am_¿m ZdrZ CÀnmXZo/godm mßMr ÏmdgmH$ _mhVr \$moZ/EgE_Eg/B©_ob ¤mao AmÂhr H$idUma Zmhr. VWmn, ImVo ddaU AmU BVa _hÀdmMr _mhVr Ogo ImÀmVrb Ïdhma AmU Vwhr g‹m dmnaV Agbobr CÀnmXZo d godm mgmR>r ho bmJy Zmhr.

3.3 ÏmOXa

AmÂhr VwÂhmbm Am_¿m H$O© CÀnmXZm _Yrb Imbrb _mhVr XoD$ :

H$. Vw_¿m R>od d H$O© ImÀmgmR>r H$moUVm ÏmOXa bmJy Amho.

I. Oa H$O© Zä H$s Ho$boÎm (\$ä ÒS>) ÏmOXamMo Agob, Va H$O© H$amam_‹o

ÏmOXa nw›hm R>adVm o mMo H$b_ Oa Agob Va, AmU n[aUm_ÒdÍ$n VmarI.

J. Oa H$O© ~XbÀm ÏmOXamMo Agob, Vw_¿m ~XbÀm (‚bmoqQ>J)

ÏmOXamer gß~YV gßX© Xa ¡m¿mer Vw_Mm ~XbVm ÏmOXa OmoS>bobm

Agob AmU Vw_¿m H$Om©gmR>r dmÒVdH$ bmJy ÏmOXa R>amdH$ gßX© Xamda bmdbobm h‚Vm qH$dm Xbobr gyQ>.

K. AmÂhr Vy_Mo H$O© Zä H$s Ho$boÎm ÏmOXamVyZ ~XbVm ÏmOXa Hß$dm VÀg_ \$ad mMr _w m XoVo H$m Am[U Oa XoV Agy Va ÀmgmR>r Àmda bmd mV

oUmam AmH$ma.

L . AmÂhr Vw_¿m R>odtda Ho$Ïhm ÏmO XoD$ qH$dm Vw_¿m H$O© ImÀmda Ho$Ïhm ÏmO AmH$mÍ$

M. AmÂhr Vw_¿m R>odtda d H$O© ImÀmda H$go ÏmO bmdy d Àmdarb ÏmOmMr AmH$maUr H$er H$Í$.

3.3.1 ÏmOXamVrb ~Xb

AmÂhr VwÂhmbm Am_¿m H$O© CÀnmXZm _Yrb ÏmOXamVrb ~Xb H$idy VgoM gßX© ÏmOXa ¡m¿mer ~XbVm (VaßJVm) ÏmOXa gßbΩZ Amho Àm¿mV hmoUmoa Imbrb n°H$s H$moUÀmhr EH$m n’VrZo Aem ZU© mZßVa nßYam Xdgmß¿m AmV AmnÎmbm H$idy.

i) nÃ

ii) B©-_ob

iii) EgE_Eg

hr _mhVr AmÂhr emIm_Yrb ZmoQ>rg ~moS>© AmU Am_¿m do~gmB©Q>da XoIrb XoD$.

3.4 Q>oar\$ eoS>Áyb (‡ewÎH$ AZwgyMr)

3.4.1 ewÎH$ d AmH$ma

H$. ddY godmßH$[aVm Am_Mo ewÎH$ d godm AmH$ma ~±Ho$Mo _ßS>i (~moS>©) qH$dm _ßS>imZo AYH$ma Xbobm gj_ AYH$mar mß¿m _m›VoZo R>abobo AgVrb d Vo dmOdr AmU EH$mM ‡H$ma¿m JmhH$mßZm oXmdahV AgVrb.

I. Am_¿m do~gmB©Q>da ewÎH$ AZwgyMr Cnb„Y Agob d ÀmMr EH$ ‡V Vw_¿m _mhVrgmR>r emIo_‹o R>odbr OmB©b. AmÂhr Am_¿m emImß_‹o ewÎH$ AZwgyMr Cnb„Y AgÎm ~‘bMr ZmoQ>rg bmdy.

J. VwÂhr ZdS>bobr H$moUVohr CÀnmXZo d godm mßZm bmJy Agbobo AmH$ma ewÎH$ AZwgyMr _‹o dÒVmamZo XoD$.

K. VwÂhr ZdS>boÎm CÀnmXZo/godmßMm bm KoVmZm bmJy AgboÎm AQ>r d eVu mßMm ßJ PmÎmg/qH$dm Z nmiÎmg VwÂhmbm bmJy hmoUmËm XßS>mm~‘bMr

_mhVr AmÂhr nyady.



3.4.2 ewÎH$ d AmH$ma mVrb ~Xb

Oa AmÂhr H$moUVohr AmH$ma dmT>dbo qH$dm ZdrZ ~Xb Ho$bo Va Vo AmÂhr ZdrZ ~Xb bmJy hmo mnydu EH$ _hZm AmYr ImVo ddaUnÃ / B©_ob / EgE_Eg AbQ>© / emIoVrb ZmoQ>rg ~moS>© ¤mao Omhra H$Í$. hr _mhVr Am_¿m do~gmB©Q>da XoIrb Cnb„Y Agob.

3.5 AQ>r AmU eVu

H$. VwÂhr ¡m godm _mJVÎm AgVrb, Àm¿mer gß~ßYV AQ>r d eVu AmÂhr VwÂhmbm AmYrM gmßJy.

I. gd© AQ>r d eVu moΩ AgVrb AmU AmZwfßJH$ AYH$ma, XmÀd d ~ßYZo ÒnÔ> H$aUmËm AgVrb AmU eä Vmoda hr _mhVr gm‹m, gmoflm mfoV Xbr OmB©b.

3.5.1 AQ>r d eVu _Yb ~Xb

H$. AQ>r d eVu _Yb ~Xb AmÂhr AmnÎmbm ZdrZ ~Xb bmJy hmo mnydu EH$ _hZm AmYr Imbrb _mJm™Zr H$idy.

i. nÃ

ii. ImVo ddaU nÃ

iii. EgE_Eg

iv. B©-_ob

hr _mhVr Am_¿m do~gmB©Q>da AmU emIoVrb ZmoQ>rg~moS>©da gw’m Cnb„Y Agob.

I. gmYmaU H$moUVohr ~Xb H$aVmZm EH$ _h›mnydu gyMZm Xo mV oB©b.

J. Oa H$moUVrhr gyMZm Z XoVm AmÂhr ~Xb Ho$bo Va Ago ~Xb AmÂhr 30 XdgmV gyMV H$Í$. m ~Xbmß_wio Oa Vw_Mr J°agmo hmoUma Agob Va VwÂhr H$moUVrhr gyMZm Z XoVm 60 XdgmßV Vw_Mo ImVo ~ßX H$Í$ eH$Vm qH$dm ~Xby eH$Vm. mgmR>r VwÂhmbm H$moUVmhr ¡mXm AmH$ma qH$dm ÏmO bmJUma Zmhr.

K. AQ>r d eVu m_Yrb ZdrZ ~Xb doi¿m doir do~gmB©Q> d H$Í$Z KoD$. AmnÎm dZßVr Zwgma ZdrZ AQ>r d eVu mßMr ‡V XoD$.


4. OmhamV, dnUZ d dH$s

H$. gd© OmhamVr d ‡dV©Zr gmYZo ÒnÔ> AgVrb, ^m_H$ ZgVrb mMr AmÂhr H$miOr KoD$.

I. H$moUÀmhr _m‹_mVrb OmhamV qH$dm ‡dV©Z gmhÀ ¡m_‹o ~±qH$J godm H$ßdm CÀnmXZo mH$S>o bj doYbo Agob d ¡mV ÏmOXamMm g_mdoe Agob, Aemdoir AmÂhr Àm_‹o bmJy hmoUmao BVa AmH$ma d ewÎH$ mßMm CÎboI H$È d gß~ßYV AQ>r d eVu gdÒVanUo AmnU dZßVr Ho$Îmg / _mJVÎmg Cnb„Y H$Í$Z XoD$.

J. H$mhr doim AmYmawV godm Xo mgmR>r Oa AmÂhr VgËm njmMr godm KoV Agy. Va Vw_Mr d° pä VH$ _mhVr (Oa Àm VgËm njmbm Xbr Va) Vr _mhVr Vmo Vgam nj Am_¿m BVH$sM JmonZr d gwajV R>odrb mMr AmÂhr H$miOr KoD$.

VwÂhr CnmoJV AgboÎm Am_¿m godoMr doJdoJir d°eÓQ>Áo AmÂhr VwÂhmbm doimodoir B©-_ob, EgE_Eg, \$moZ ¤mao H$idy. Oa VwÂhr Am_¿m ""\$moZ H$È ZH$m'' gwdYoda Zm|XUr Ho$br Zgob Va Am_Mr BVa CÀnmXZo / godm dfH$ _mhVr AmÂhr VwÂhmbm XoD$.

S>. Am_Mo S>rEgE (‡Àj dH$s ‡VZYr) OoÏhm Vw_¿mH$S>o Am_Mr CÀnmXZo / godm dH$ mgmR>r Vw_¿mer ‡Àj qH$dm \$moZda gßnH©$ H$aVrb Àmdoir ÀmßZr H$go dmJmdo mMo Z_ AmÂhr Vma Ho$bo AmhoV. OoÏhm Vo Am_Mr CÀnmXZo dH$ mgmR>r Vw_¿mer ‡Àj qH$dm \$moZda gßnH©$ gmYVrb VoÏhm ÀmßZr Vo Am_¿m ~±Ho$Mo \$ä V dH$s ‡[VZYr AmhoV Aer AmoiI XoUo AnojV Amho. Am_¿mV\$ H$m_ H$aUmam Vgam nj qH$dm EOßQ> gXa Z_mßMo nmbZ H$aob mMr AmÂhr H$miOr KoD$.

M. Vw_¿mH$Sy>Z Am_¿m ‡VZYr/Hw$ara qH$dm EOßQ> mß¿m gßXm©Vrb J°adV©UyH$ qH$dm Z_mßMo CÎbßKZ m~m~VrV H$moUVrhr VH$ma Ambr Va AmÂhr moΩ nmD$bo CMbyZ Àm gßXm©V nyU© Mm°H$er H$È d Am_¿m ZwH$gmZ

anmB©¿m YmoaUmZwgma Amnbo ZwH$gmZ ÈZ XoD$.

N>. Am_¿m dVrZo H$m_ H$aUmam qH$dm CÀnmXZo dH$Umam H$moUrhr ÃÒW nj qH$dm EOßQ> dH$s nyU© PmÎmda Àmbm _iUmao ewÎH$ qH$dm H$_reZ CKS> H$aob

mMr H$miOr KoD$.

5. ImOJrnUm AmU Jw·Vm

H$. AmÂhr Vw_Mr gd© d° pä VH$ _mhVr ImOJr d JmonZr R>ody (Oar VwÂhr ZßVa Am_Mo JmhH$ ZgbmV Var). Imbrb VÀd AmU YmoaU ÀmgmR>r AmÂhr AZwgÈ.

K.

I. VwÂhr ÒdV: Xbobr qH$dm A› _mJm©Zo _imbobr Vw_¿m ImÀm gßXm©Vrb _mhVr AmÂhr H$moUmbmhr AJXr Am_¿mM JQ> dm A› Hß$nZrbm gw’m XoUma Zmhr. \$ä V ÀmgmR>r Imbrb ~m~tMm AndmX Agob.

i) AmÂhmbm Oa Vr _mhVr H$m⁄mZo ⁄mdr bmJbr qH$dm ~±qH$J ZßÃH$mbm AmdÌH$ Agob.

ii) hr _mhVr Omhra H$aUo ho OZVo‡V H$V©Ï R>aob.

iii) Aer _mhVr Xo mV Oa Am_Mm \$mXm Agbm (CXmhaUmW©, KmoQ>mim amoIUo) naßVw VwÂhr qH$dm Vw_¿m ImÀmMr _mhVr (Vw_Mo Zmd d nŒmm YÈZ) Am_¿mM BVa Hß$n›mßgh H$moUmbmhr dH$sgmR>r Xo mgmR>r AmÂhr ho H$maU ÂhUyZ dmnaUma Zmhr.

iv) Oa VwÂhr AmÂhmbm _mhVr CKS> H$a mgmR>r ‡mYH•$V Ho$bo Va.

v) Vw_¿mdfr ~±H$a gßX© Am_¿mH$S>o _mJVbm Jobm Va Vmo Xo mnydu AmÂhmbm Vw_Mr boIr nadmZJr bmJob.

J. VwÂhr ÒnÔ>nUo AmÂhmbm AYH$ma XÎmedm AmÂhr Vw_Mr d° pä VH$ _mhVr dnUZ / dH$s¿m H$maUmgmR>r H$moUmbmhr XoUma Zmhr qH$dm AmÂhrhr dmnaUma Zmhr.

5.1 H$O© _mhVr Hß$n›m

OoÏhm VwÂhr H$Om©gmR>r AO© H$aVm VoÏhm AmÂhr VwÂhmbm :

H$.H$O© _mhVr Hß$nZr (grAmgr) Mr y_H$m AmU AmÂhr Àmß¿mH$S>o Ho$bobr Vw_Mr Mm°H$er d Àmß¿mH$Sy>Z Ambobr _mhVr VwÂhmbm g_OmdyZ gmßJy d ÀmßZr nwadboÎm _mhVrMm VwÂhmbm H$O© _id mgmR>r H$m n[aUm_ hmoB©b ho hr gmßJy.

I. Vw_¿m dZßVrZwgma d VwÂhr moΩ ewÎH$ aÎmZßVa grAmgr H$Sy>Z AmÂhmbm _imbobr Ho$S>Q> B›\$_eZMr ‡V VwÂhmbm XoD$.

J. Am_¿mH$Sy>Z KoVÎm JoboÎm H$O© aä H$_oMr _mhVr AmÂhr R>amdH$ AßVamZo grAmgr bm XoD$.

K. grAmgr bm nmR>dboÎm Ahdmbm _‹o VwÂhr Am_¿mH$Sy>Z KoVboÎm d° pä VH$ H$Om©Mr _mhVr Imbrb ~m~VrV Xbr OmVo.

i) VwÂhr H$O© a mV, ZpÌMV Ho$boÎm _wXVZwgma, _mJo nS>bm Agmb

ii) H$Om©D$ aä H$_ dmXJÒV Agob.

S>. VwÂhr H$Om©Mo H$mhr hflVo AmYr abo ZgVrb, nU ÀmZßVa Z_V abo AgVrb, Va AmÂhr Àm¿m nwT>rb _h›m¿m AhdmbmV hr _mhVr grAmgr H$S>o nmR>dy.

M. VwÂhr Am_¿mH$Sy>Z KoVboÎm CMb/H$Om©Mr _mhVr AmÂhr ¡m grAmgr bm XoVmo, ÀmMo ddaU Vw_¿m dZßVrZwgma VwÂhmbm XoD$.



6. Xo ame O_m H$aUo

H$.OoÏhm AmÂhr H$O© XoD$, VoÏhm Àm¿m naV\o$S>rMr n’V ÂhUOo H$Vr aä H$_ Ho$Ïhm, hflÀmß_‹o \o$S>mMr ho gmßJy. VWmn Oa VwÂhr naV\o$S>rMo doimnÃH$ nmibo Zmhr Va Vw_¿mH$Sy>Z n°go dgyb H$ÈZ Ko mgmR>r XoemVrb H$m⁄m_‹o ÒnÓQ> Ho$Îm‡_mUo nmdbo CMbbr OmVrb.

I. dgybr H$a mgmR>r qH$dm ‡VyVMm Vm~m Ko mgmR>r AmU dgybr EOßQ> Zo_ mgmR>r Am_¿mH$S>o _ßS>imZo gÂ_V Ho$bobo YmoaU Agob.

J. dgybr EOßQ> Zo_VmZm _m›Vm, nadmZm d Zm|XUr H$a mMo gd© eä / gß~’ H$mXo, Z_, _mJ©Xe©H$ VÀdo AmU AQ>r mßMm dMma Ho$bm OmB©b.

K. Am_Mo dgybr EOßQ> Àmß¿m O~m~XmËm H$miOrnyd©H$ d gßdoXZebVoZo ddoH$mZo nma nS>Vrb mgmR>r moΩ‡H$mao ‡ejV AgVrb mMr AmÂhr H$miOr KoD$. AmÂhr hr gw’m H$miOr KoD$ H$s Vo Amnbr _m©Xm gmoS>Uma ZmhrV.

S>. Am_Mo Xo aH$_m naV Ko m¿m, naV\o$S>rMo n°go Ko mMo YmoaU hr XgËmbm gm°O›nyU©, g‰VoZo dmJdUo d _Z didUo m JmoÔ>tda AmYm[aV Amho. JmhH$mßMm dÌdmg dmT>dUo d ~mßYbH$s Z_m©U H$aUo mda Am_Mm dÌdmg Amho.

M. Xo aH$_o (S>ÁwO) ~‘b gd© _mhVr AmÂhr AmnÎmbm XoD$ d Vo \o$S> mgmR>r AmÂhr AmnÎmbm nwaoer gyMZm Xo mMm ‡ÀZ H$Í$.

N>. dgybr EO›grH$S>o ‡H$aU nmR>d mnydu Àm ‡H$aUmMr ZrQ> VnmgUr H$a mMr Am_Mr ßÃUm Agob, ÂhUOo Am_¿m MwH$s_wio VwÂhmbm Ãmg hmoUma Zmhr.

O. Vw_¿m dÈ’ dgybr n’V AO_md mnydu VwÂhmg boIr H$idy AmU ¡m dgybr EOßQ>bm / EO›grbm Vw_Mr Ho$g Xbr Amho ÀmßMo Zmd nŒmm dm \$moZ Zß~a VwÂhmbm H$idy.

P. AmÂhr Am_¿m do~gmB©Q>da AmÂhr dgybrgmR>r Zo_boÎm EO›gr Hß$n›mßMr _mhVr XoD$.

Ã. AmnÎm dZßVr Zwgma dgybr Hß$n›mßMr _mhVr AmÂhr Am_¿m emImß_‹ohr Cnb„Y H$Í$Z XoD$.

Q>. Am_Mo H$_©Mmar qH$dm n°go qH$dm VmaU O_m H$a mgmR>r AmÂhr ‡mYH•$V Ho$bobr H$moUrhr Ïpä V ÒdV:Mr AmoiI H$Í$Z XoB©b d AmÂhr Xbobo AYH$manÃ AmnÎmbm XmIdob. edm AmnU dMmaÎmg ~±Ho$Zo Xbobo qH$dm ‡mYH•$V Ho$bobo AmoiInÃ XmIdob.

R>. Am_¿m H$_©MmËmn°H$s H$moUrhr qH$dm ~±Ho$Zo ¡mbm dgybr H$a mgmR>r qH$dm Vm~m Ko mgmR>r AYH•$V Ho$bo Amho Aer Ïpä V Imbrb _mJ©Xe©H$ VÀdmMo nmbZ H$aob :

i) ghgm VwÂhmbm hÏm AgboÎm R>H$mUr Vw_¿mer gßnH©$ gmYbm OmB©b, Ago deÔ> R>H$mU VwÂhr Z gmßJVÎmg Vw_¿m Kar qH$dm hohr eä Z PmÎmg Vw_¿m H$m_m¿m / Ïdgmm¿m R>H$mUr Vw_Mr oQ> KoVbr OmB©b.

ii) AYH•$V Ïpä VMr AmoiI d AYH$ma VwÂhmbm gmßJVbm OmB©b.

iii) Vw_Mm ImOJrnUm Onbm OmB©b.

iv) g‰nUo Vw_¿mer gßdmX gmYbm OmB©b.

v) Vw_¿m H$m_m¿m qH$dm Yß⁄m¿m —Ô>rZo eä ZgÎmg qH$dm deof n[apÒWVr gmoSy>Z ghgm Am_Mo ‡VZYr Vw_¿mer gH$mir 7.00 Vo gß‹mH$mir 7.00 m doimV gßnH©$ gmYVrb.

vi) deÔ> doir qH$dm deÔ> OmJr \$moZ Z H$a m dfrMr Vw_Mr dZßVr eä Vmoda _mZbr OmB©b.

vii) \$moZ Ho$ÎmMr doi, H$Vr doim \$moZ Ho$bm Vo AmU ~mobUo mß¿m Zm|Xr R>odÎm OmVrb.

viii) Xo aH$_o~m~VMo dmX qH$dm _VoX Xmo›hr njmßZm _m› hmo mgmaIo d gm_m›nUo moΩ [aVrZo gmoS>d mgmR>r nyU© _XV Ho$br OmB©b.

ix) n°go dgybrgmR>r Vw_¿m Kar Ambo AgVm g‰Vm d Am°MÀ gmß mibo OmB©b. Am_Mo AYH$mar / EOßQ> H$moUÀmhr Ïpä VdÈ’ H$moUÀmhr ‡H$mao Vm|S>r qH$dm em[aarH$ YmH$XnQ>em qH$dm Ãmg XoUma ZmhrV, Ogo Omhra[aÀm _mZhmZr H$aUo qH$dm Hw$Qw>ß~mßMm, _ÃmßMm B. ImOJrnUm Z OnUo, Y_ä m XoUo, ZZmdr \$moZ H$aUo AmU MyH$sMo d Xemyb H$aUmao ZdoXZ H$aUo.

VWmn, gßnH$m©gmR>r Vw_Mr _mhVr Z_V XoV ahmUo hr Vw_Mr O~m~Xmar Amho. Oa VwÂhr XboÎm _mhVrZwgma ~±H$ Vw_¿mer gßnH©$ gmYy eH$br Zmhr, Va Cnb„Y ÚmoVmß¤mao Vw_Mr _mhVr Jmoim H$aob AmU VwÂhmbm emoY mgmR>r Vw_¿m _Ã / ZmVodmB©H$mßer gßnH©$ H$aob.



x) Hw$Qw>ß~mVrb Hw$UmMm _•Àw AWdm bæm gmaªm _hÀdm¿m ‡gßJm gmaªmdoir \$moZ H$aUo AWdm dgybr gmR>r oQ> KoUo Q>mibo OmB©b.

xi) dgybr EOßQ>¿m MwH$s¿m dmJ m~‘b AmnÎmH$Sy>Z VH$ma AmÎmg ÀmMr Mm°H$er Ho$br OmB©b.

6.1 Xo ame Jmoim H$aUo d JhmU dÒVyßMm Vm~m Ko mMo YmoaU

Xo ame Jmoim H$aUo AmU JhmU dÒVyßMm Vm~m Ko mgmR>r AmÂhr H$m⁄mer gß~’ Aem YmoaUmßMm Adbß~ H$Í$. gXa YmoaU Am_¿m do~gmB©Q>da Cnb„Y Agob AmU dZßVr Ho$Îmg ÀmMr ‡V AmnÎmbm Am_¿m emImß_‹o Cnb„Y hmoD$ eHo$b.

7. VH$mar, JmËhmUr ZdmaU d A‡m

7.1 AßVJ©V n’V

H$. VwÂhmbm Oa VH$ma H$amMr Agob Va AmÂhr VwÂhmbm gmßJy.

i) VH$ma H$er H$amdr.

ii) VH$ma Hw$R>o H$amdr.

iii) VH$ma H$moUmH$S>o H$aVm oB©b.

iv) CŒma H$Yr _iob (CŒmamMr Anojm H$Yr H$amdr.

v) VH$ma Zdma mgmR>r H$moUmbm oQ>mdo

vi) VwÂhr _bmboÎm ZU© m~m~V g_mYmZr Zgmb Va nwT>o H$m H$amdo

I. Am_Mo H$_©Mmar VwÂhmbm Vw_¿m ‡ÌZmß~m~V _XV H$aVrb.

J. VH$mar moΩ [aVrZo d ObX hmVmi m¿m n’VMr _mhVr Hw$R>o _iob ho AmÂhr gmßJy.

K. Vw_¿m VH$margßXm©V VwÂhr ¡mßZm oQy> eH$Vm Àm AYH$mËmMo Zmd, Àm Àm emImß_‹o bmdbo OmB©b. Oa emIo¿m nmVirda Vw_Mr VH$ma gmoS>dbr Jobr Zmhr Va VwÂhr Am_¿m dmJr / ‡mXoeH$ ÏdÒWmnH$mbm / ‡_wI ZmoS>b AYH$mËmbm (nrEZAmo) oQy> eH$Vm, ÀmßMo nŒmo emIo_‹o bmdbo OmVrb.

S>. Oa Vw_¿mH$Sy>Z VH$ma boIr _imbr Agob, Va ÀmMo CŒma / nmoMnmdVr AmÂhr VwÂhmbm EH$m AmR>dS>Ám¿m AmV nmR>d mMm ‡ÀZ H$Í$. Oa VwÂhr VH$ma Am_¿m ZV Q>ob\$moZ _XV H|$–mda qH$dm JmhH$ godm H$_mßH$mda Xbr Agob Va AmÂhr VwÂhmbm VH$ma gßX© H$_mßH$ XoD$ d dmOdr H$mimV Àm~m~VMr ‡JV H$idV amh.

M. Vw_¿m VH$marMo narjU H$Í$Z AmÂhr VwÂhmbm AßV_ CŒma XoD$ qH$dm Oa OmÒV doi bmJbm Agob Va Vmo H$m bmJVmo ho g_OmdyZ XoD$ AmU Vw_Mr VH$ma _imÎmnmgyZ 30 Xdgmß¿m AmV ho H$a mMm ‡ÀZ H$Í$. VgoM Varhr Vw_Mo g_mYmZ Pmbo Zmhr Va Vr VH$ma nwT>o H$er ›mdr. ho hr gmßJy.


N>. Oa VH$ma XmIb Ho$ÎmnmgyZ 30 Xdgm¿m AmV Am_¿mH$Sy>Z g_mYmZH$maH$ CŒma _imbo Zmhr d VwÂhmbm BVa _mJm™Zr VH$marMo ZdmaU H$ÈZ ømdo Ago dmQ>V Agob Va ~±qH$J bmoH$nmb moOZoImbr [aPÏh© ~±Ho$Zo Zo_boÎm ~±qH$J bmoH$nmbmßer gßnH©$ H$Í$ eH$Vm. ÀmdfMr H$m© n’Vr Am_Mo H$_©Mmar VwÂhmbm XoVrb.

7.2 ~±qH$J bmoH$nmb moOZm

~±qH$J bmoH$nmb moOZm Am_¿m do~gmB©Q>da Agob. ÀmMr ‡V VwÂhr dZßVr Ho$Îmg VwÂhmbm Zm__mÃ n°emV Cnb„Y H$Í$Z Xbr OmB©b. Am_¿m ‡ÀoH$ emIo_‹o Vr emIm H$moUÀm ~±qH$J bmoH$nmb¿m ›mmYH$aUmImbr oVo ÀmßMo Zmd d nŒmm ‡Xe©V Ho$bm OmB©b.

7.3 JmhH$ gm

H$ÎnZm d gyMZm mßMo dZ_ hmo mgmR>r Z_V _mJ© ÂhUyZ R>amdH$ AßVamZo JmhH$gm AmmoOV H$a mMm ‡ÀZ H$Í$.

7.4 emIm ÒVar JmhH$godm g_Vr gm

AmÂhr Am_¿m emImß_‹o _mgH$ emIm ÒVar JmhH$godm g_Vr¿m goMr VmarI Omhra H$È. B¿N>m AgÎmg VwÂhr gobm hOa amh eH$Vm.

8. CÀnmXZo d godm

8.1 R>od ImVo

H$. VwÂhr Am_¿mH$S>o ddY ImVr CKSy> eH$Vm. Ogo, ~MV ImVo, _wXV R>od, Mmby ImVo, B. Imbrb n’VrZo VwÂhr hr ImVr CKSy> eH$Vm.

i) EH$ ImVoXma

ii) gß wä V

iii) gß wä V (H$moUrhr EH$ qH$dm CŒmaOrdr)

iv) gß wä V (nhbm qH$dm CŒmaOrdr)

v) gß wä V (ZßVaMm qH$dm CŒmaOrdr)

qH$dm

vi) BVa H$moUÀmhr n’VrZo


I. H$moUVrhr H$_mZ eÎbH$ R>od mMr AmdÌH$Vm Z R>odVm ‡mW_H$ ~MV ~±H$ R>od ImVo (~rEg~rS>r ImVo) gd© JmhH$mßgmR>r Cnb„Y R>ody. gXa ImÀm_‹o H$moUVmhr AmH$ma Z bmdVm H$_mZ gm_m› gwdYm XoD$. ImVo CKS>VmZm nmaXeu n’VrZo BVa AmZwfßJH$ JmoÔ>r VwÂhmbm gmßJy.

J. hr ImVr OoWo AZyko Agob VoWo VwÂhr Zm_ZXeZ H$Í$Z CKSy> eH$Vm. ImVo CKS>VmZm Zm_ZXemMm nm© Xbm OmB©b. VgoM Zm_mZXeV Ïpä VMo Zmd nmg~wH$ / ImVo ddaUnÃ / _wXV R>od nmdVrda Zm|Xd mMm nm© hr Xbm OmB©b. ImVo CKS>VmZm AmÂhr nyd©Jm_r (_mJrb) ImÀmdarb n[aUm_ d Zm_ZXeZm¿m gwdYo ~‘bhr gmßJy.

K. VwÂhr Zm_ZXeZ Ho$Îmg ÀmMr nmoMnmdVr XoD$ d Xbobr _mhVr nmg~wH$ / ImVo ddaUnÃ / _wXV R>od nmdVrda Zm|XdyZ R>ody. VwÂhr dZßVr Ho$Îmg Zm_ZXeV Ïpä VMo Zmd gw’m Àmda bhZ XoD$.

S>. ImVo CKS>VmZm AmÂhr VwÂhmbm bpä dS> S>nm∞OQ> (Vab R>od) gwdYm, Òdrn ImVo d VemM BVa gwdYmß~‘b AmU ÀmMr AmH$maUr d n’V mßMr _mhVr XoD$.

8.1.1 ImVo CKS>Uo d R>od ImÀm_Yrb Ïdhma

H$moUVohr R>od ImVo CKS> mnydu, AmÂhr Imbrb JmoÔ>r H$È :

H$. ""Vw_¿m JmhH$mbm OmUm'' (Ho$dmgr) ¿m _mJ©Xe©H$ VÀdmßMr Aß_b~OmdUr H$aUo

I. ÀmgmR>r AmdÌH$ nwamdo d H$mJXnÃ VwÂhmbm ~±Ho$_‹o XmIb H$a mg gmßJUo

J. Vw_¿m JmhH$mbm OmUm, (Ho$dmgr) qH$dm H$mim n°gm amoIUo (A±Q>r _Zr bm±S>[a®J) qH$dm BVa gmßdYH$ (ÒQ>∞¿yQ>ar) AmdÌH$Vm nyU© H$a mgmR>r _mhVr Jmoim Ho$br OmB©b. AYH$ _mhVr bmJÎmg Vr ÒdVßÃnUo _mJdbr OmB©b d ÀmgmR>rMo H$maU VwÂhmbm gmßJVbo OmB©b. edm H$m⁄mZo _mJVbr Zgob Va hr _mhVr nwadUo Eop¿N>H$ Agob. H$mXm Aß_bmV AmUUmËm EOßgr / ~±qH$J Zm_H$ mß¿medm BVamßgmR>r hr _mhVr Jw· Agob.


K. ImVo CKS> mgmR>rMm AO© d BVa gmhÀ VwÂhmbm nwadbo OmB©b. ¡m_‹o AmdÌH$ d nS>VmiUrgmR>r bmJUmar _mhVr d H$mJXnÃ mßMr _mhVr Xbobr Agob. Or Ho$dmgr _mJ©Xe©H$mgmR>r bmJob.

S>. Am_Mo AboI A⁄mdV R>od mgmR>r Ho$dmgr gmR>r AmdÌH$ H$mJXnÃo VwÂhmbm R>amdH$ AßVamZo gmXa H$amdr bmJVrb.

M. R>od ImVo CKS> mgmR>r Agbobr n’V d VwÂhmbm hdr Agbobr AmdÌH$ ÒnÓQ>rH$aUo Xbr OmVrb.

N>. VwÂhr dmnaUma AgUmËm R>od gwdYo gßXm©Vrb ""AÀmdÌH$ AQ>r d eVu'' (E_AmQ>rgr) VwÂhmbm XoD$.

O. ImVo CKS>VmZm, Zjon dr_m AmU ‡À JmaßQ>r ZJ_ (S>rAmgrOrgr) Zo R>amdH$ _m©Xm d AQ>r Zwgma Cnb„Y Ho$boÎm dÂm¿m gßajUMr _mhVr VwÂhmbm Xbr OmB©b.

8.1.2 ImVo ~XbUo

H$. Oa VwÂhr ZdS>boÎm Mmby / ~MV ImÀmdfr g_mYmZr Zgmb Va, Àm ImÀm_‹o nhÎmßXm n°go R>od m¿m 14 Xdgmß¿m AmV Vo ImVo Am_¿m H$S>b XgËm EIm⁄m ImÀmV ~XbyZ Xo mgmR>r Am_¿mer gßnH©$ gmYm qH$dm Àmda OVHo$ ÏmO O_m Pmbo Agob Àmgh Vw_Mr aä H$_ naV H$a mg AmÂhmbm gmßJm. mgmR>r AmÂhr ZmoQ>rgrMm H$mi dMmamV KoUma Zmhr qH$dm OmXm AmH$ma KoUma Zmhr.

I. Oa VwÂhmbm Vw_Mo Mmby / ~MV ImVo ~ßX H$amMo Agob d VwÂhr gd© Am°nMm[aH$Vm nyU© Ho$Îm d gd© XÒVmdoO gmXa Ho$bo Va Vw_¿mH$Sy>Z gyMZm _imÎmZßVa H$m_H$mOm¿m VrZ Xdgmß¿m AmV Vw_Mo ImVo AmÂhr ~ßX H$Í$.

J. Oa VwÂhmbm Vw_Mo ImVo Am_¿m ~±Ho$¿m XgËm EIm⁄m emIoV ~XbyZ hdo Agob Va Vgohr H$Í$Z XoD$. ZdrZ emIoV Vw_Mo ImVo Vw_¿mH$Sy>Z Ver dZßVr AmÎmZßVa H$m_m¿m VrZ Xdgm¿m AmV gwÈ Ho$bo OmB©b; ÀmgmR>r nŒmMm ZdrZ nwamdm _mJUma Zmhr AmU Vw_¿m g‹m¿m nŒm~m~V Vw_Mo ÒdZdoXZ nwaogo Agob. nŒmMm XÒVmdoOr nwamdm VwÂhmbm ghm _h›mß¿m AmV ⁄mdm bmJob. ImVo gwÈ PmÎmda AmÂhr VwÂhmbm bJoM H$idr. ImÀm dfr gd© gyMZm (ÒWmr gyMZm / naÒna dOmdQ> B.) AgVrb Va AmÂhr ZdrZ emIobm H$idy.


8.1.3 ~MV / Mmby ImVo

OoÏhm VwÂhr R>od ImVo gwÍ$ H$amb, VoÏhm AmÂhr

H$. R>amdH$ H$mim_‹o Z:ewÎH$ H$aVm oUmao Ïdhma H$Vr doim n°go H$mT>bo B. _mhVr XoV OmD$.

I. Oa R>amdH$ _m©Xm CÎbßKbr Jobr, Va H$moUVo AmH$ma bmJVrb mMr _mhVr XoD$. AmH$mamßMr _mhVr Q>o[a\$ eoS>Áyb _‹o g_mdÓQ> Ho$br OmB©b.

J. ~MV ImÀmMo ÏmOXa, Vo H$go H$mT>bo OmVo d Ho$Ïhm Xbo OmVo hr _mhVr VwÂhmbm XoD$.

8.1.3.1 H$_mZ eÎbH$

H$. ~MV ImÀmV H$_rV H$_r H$Vr eÎbH$ Agbr nmhOo ho AmÂhr emImß_‹o ‡Xe©V H$Í$.

I. R>odt~‘b, Ogo ~MV ImVo d Mmby ImVo qH$dm BVa H$moUÀmhr n’VMo R>od ImVo, m~‘b AmÂhr VwÂhmbm nwT>rb _mhVr XoD$.

i) m ImÀmda Ïdhma Mmby R>od mgmR>r AgboÎm AQ>r d eVuMm mJ ÂhUyZ H$_mZ eÎbH$ R>odUo.

ii) ImÀmV H$_mZ eÎbH$ Z R>odÎmg VwÂhmbm H$Vr AmH$ma ⁄mdm bmJob, Q>o[a\$ eoS>Áyb_‹o m AmH$mamß~‘b ÒnÓQ> _mhVr Xbr OmB©b.

iii) H$_mZ ebH$s gßXm©V H$mhr ~Xb Ho$Îmg 30 Xdg AJmoXa H$idy. m ZmoQ>rg H$mimV Oa H$_mZ eÎbH$ aä H$_ dmT>dbr Jobr, Va

VodT>r eÎbH$ ZgÎm~‘b H$mhrhr AmH$ma bmdbm OmUma Zmhr.

8.1.3.2 AmH$maUr

MoH$ ~wH$, AV[aä V / ‡Vbnr ImVo ddaUnÃ, nmg~wH$mMr ‡Vbn, ‡XmZ PmboÎm MoH$Mr ‡Vbnr, S>o~Q> H$mS>©, EQ>rE_ H$mS>©, ghrMr nS>VmiUr, naV Ambobm MoH$, AmXoe qH$dm ImÀmß¿m n’VrV ~Xb, ~MV / Mmby ImVo ~ßX H$aUo B. gmR>r deÔ> AmH$maUr Amho, OMm g_mdoe Am_¿m Q>o[a\$ eoS>Áyb_‹o Ho$bm OmB©b. XboÎm gdbVr d ghmÊ Àm _yi gdbVtMm H$mi nyU© hmoB©n™V H$mTy>Z KoVÎm OmUma ZmhrV.

8.1.3.3 nmg~wH$ / ddaUnÃ

H$. Oa VwÂhr nmg~wH$ KoVbo Zgob, Va Vw_¿m ImÀmMo ÏdÒWmnZ d ÀmVrb Zm|Xr nhm mgmR>r AmÂhr VwÂhmbm Vw_¿m ImÀmMo _mgH$ ddaUnÃ /B©-_ob ddaUnÃ (VwÂhr ÒdrH$maUma AgÎmg) nmR>dy.


I. Oa VwÂhmbm hdo Agob Va Ver dZßVr Ho$Îmg Vw_¿m ImÀmda gm_m›V: _iUmËm ddaUnÃmedm AYH$ doim H$mhr AmH$ma bmdyZ VwÂhmbm ImVo ddaUnÃ Xody. Q>o[a\$ eoS>Áyb_‹o ÀmMo AmH$ma Xbobo AgVrb.

J. Am_Mm E_AmgrAma H$moS> d AmE\$Eg H$moS>, nmg~wH$ AmU ImVo ddaUnÃmV XoD$.

K. ~±Ho$Mm JmhH$godm H$_mßH$ / emIoMm gßnH©$ H$_mßH$ nmg~wH$ AmU ImVo ddaUnÃmV XoD$.

S>. nmg~wH$ / ddaUnÃmVrb Zm|Xr WmoS>ä mV d g_O mg gmoflm AgVrb mMr ImÃr H$È.

8.1.3.4 R>od ImÀmMr loUrdmT>

Vw_Mo ImVo loUrdmT>r¿m AQ>r nyU© H$arV Agob Va Vw_¿mH$Sy>Z bIV qH$dm BVa H$moUÀmhr _m‹_mZo gß_V _imÎmda Vw_¿m ImÀmMr loUrdmT> H$Í$Z XoD$ qH$dm AYH•$V Bboä Q¥>m∞ZH$ _m‹_mZo gß_V _imÎmda ÀmMr JmVm VnmgyZ nmh d ZßVa loUrdmT> H$Í$Z XoD$.

8.1.4 bhmZ (AkmZ) _wbmßgmR>r ImVo

H$. Mm°H$er Ho$Îmg AkmZ _wbmgmR>r ImVo H$go CKS>bo OmVo d Àm_‹o Ïdhma H$go H$aVm oVrb ho VwÂhmbm gmßJy.

I. AkmZ _yb gkmZ hmoB©b Vr VmarI H$idy.

8.1.5 gw·/A‡dVu/ZpÓH$ (BZAm∞naoQ>Ïh) ImVr

AmÂhr ho H$È :

H$. ImVo CKS>VmZm VwÂhr H$Vr H$mi n™V Vw_Mo ImVo dmnabo Zmhr Va Vo gwflV / A‡dVu ImVo hmoB©b ho gmßJy. Vw_Mo ImVo gw· / ‡dVu hmo mnydu qH$dm ÀmMm n[aUm_ÒdÍ$n dJuH•$V hmo mnydu ZXmZ VrZ _hZo AmYr VwÂhmbm gyMZm Xody.

I. Vw_Mo ImVo gwflV / A‡dVu hmoV AgÎm ~‘bMr gyMZm EgE_Eg / B©_ob ¤mao H$idy.

J. ImVo gw· / A‡dVu hmo mnydu gß wä V ImVoXmambm / ImVoXmamßZm H$idy.

K. Oa ImVo VwÂhmbm nw›hm Mmby H$amMo Agob Va ÀmMr n’V hr H$idy.

S>. EImXo ImVo Ho$di gwflV / A‡dVu Amho ÂhUyZ Àmbm H$moUVmhr AmH$ma bmdUma Zmhr.

M. A‡dVu ImVo nw›hm Mmby H$a mgmR>r H$moUVmhr AmH$ma bmdUma Zmhr.


8.1.6 ImVo ~ßX H$aUo

gm_m› n[apÒWVrV ImVo ~ßX H$a mMr H$maUo XoD$Z ZXmZ 30 XdgmßMr gyMZm XÎmedm AmÂhr Vw_Mo ImVo ~ßX H$aUma Zmhr. Aem n[apÒWVrV VwÂhr AJmoXaM XboÎm MoH$Mr VwÂhmbm nm© r ÏdÒWm H$amdr bmJob d m ImÀmVyZ ZdrZ MoH$ XoVm oUma ZmhrV.

8.2 g_memoYZ MH$/ dgybr godm

AmÂhr ho H$È.

H$. AmÂhr S¥>m∞n ~m∞ä g gwdYm XoD$ ¡m_‹o O_m H$a mgmR>r nmR>d mMo MoH$ Q>mHy$ eH$Vm. S¥>m∞n ~m∞ä g_‹o O_m Pmbobo MoH$ moΩ [aVrZo d VÀnaVoZo hemo~mV KoVbo OmV AmhoV mMr moΩ Vr H$miOr KoVbr OmB©b. VWmn, Varhr Vw_Mr B¿N>m Agob Va MoH$ S¥>m∞n ~m∞ä g_‹o Q>mH$ mEodOr H$mCßQ>ada XoD$Z ÀmMr nmoMnmdVr KoD$ eH$Vm.

I. ÒWmZH$ d ~mhoaJmd¿m MoH$, S>rS>r B. ¿m g_memoYZ MH$m dfr _mhVr XoD$. dgybrgmR>r MoH$ XÎmda n°go Ho$Ïhm H$mTy> eH$Vm AmU Am_¿m MoH$ dgybr YmoaU Zwgma dbß~ ÏmO _i mg VwÂhr Ho$Ïhm nmÃ R>amb mMmhr g_mdoe Agob.

J. Oa MoH$, S>rS>r gßJhV H$a mg dbß~ Pmbm Va Am_¿m MoH$ dgybr / ZwH$gmZ anmB© YmoaUmZwgma Vw_¿mH$Sy>Z _mJUr o mMr dmQ> Z nmhVm VwÂhmbm anmB© Xbr OmB©b.

K. Oa Am_¿mH$S>o O_m H$a mgmR>r Xbobm MoH$ ‡XmZ Z hmoVm naV Ambm Va VwÂhmbm bJoM EgE_Eg / B©_ob ¤mao H$idy.

S>. ‡XmZ Z H$aVm Ambobm / ZmH$mabobm MoH$ hÒVmj[aV [aQ>Z© _o_mogh Àmda MoH$ naV AmÎmMm XZmßH$ d ‡XmZ naV AmÎmMo / ZmH$ma mMo H$maU XoD$Z 24 Vmgmß¿m AmV VwÂhmbm naV nmR>dy.

M. ~mhoaJmd¿m MoH$Mo Ho$S>Q> Oa AmÂhr bJoM XoV Agy, VgoM ÀmgmR>r bmJy AgboÎm AQ>r d eVu Ogo Vw_¿m H$Vr YZmXoemßn™V Ho$S>Q> ⁄mMo, ImÀmMo Ïdhma g_mYmZH$maH$ AmhoV qH$dm H$go, B. _mhVr XoD$.

N>. Oa Ïdhmam XaÂmZ Vw_Mm MoH$ / B›ÒQÆ>_|Q> hadÎmg Am_¿m MoH$ dgybr / ZwH$gmZ anmB© Xo mg d ÀmMr Sw>pflbHo$Q> _idyZ Xo mg _XV H$Í$.

O. Am_¿mH$S>o ImVo CKS>VmZm d OoÏhm OoÏhm VwÂhr Mm°H$er H$amb VoÏhm VoÏhm darb _mhVr AmÂhr VwÂhmbm XoD$. Am_¿m MoH$ dgybr YmoaUm_‹o H$mhr ~Xb PmÎmg, ZdrZ YmoaU Am_¿m do~gmB©Q>da d gd© emImß_‹o ‡Xe©V Ho$bo OmB©b.


8.3 amoH$S> Ïdhma

H$. H$moAa ~±qH$J Zwgma AmÂhr H$moUÀmhr emIoV MoH$ d amoH$S> n°go ÒdrH$mÈ d n°go XoD$, naßVw Aem ÏdhmamßgmR>r H$mhr ‡V~ßY qH$dm AmH$ma bmJy AgVrb Va Àm AYrZ hr godm Xbr OmB©b.

I. [aPÏh© ~±Ho$¿m gyMZmß‡_mUo AmÂhr \$mQ>ä m / _iä m ZmoQ>m AmU / qH$dm H$_r qH$_VrMr ZmUr Am_¿m gd© emImß_‹o ~XbyZ ÀmEodOr Òd¿N> ZmoQ>m / ZmUr XoD$. hr gwdYm AmÂhr R>amdH$ aH$_on™V ImVoXma ZgboÎm JmhH$mbm gw’m XoD$.

J. R>amdH$ aH$_onojm OmÒV aH$_oMo Ïdhma H$aVmZm AmÂhr Vw_Mm n∞Z (PAN) _mJy.

8.4 ‡Àj IMu Q>mH$Uo (WoQ> Zmdo bhUo) d ÒWmr gyMZm

m gßXm©V AmÂhr Imbrb‡_mUo H•$Vr H$Í$ :

H$. ImVo CKS>VmZm VwÂhmbm ‡Àj IMu / ÒWmr gyMZm H$em CnmoJmV oVmV d VwÂhr Àm H$em Zm|Xdy eH$Vm qH$dm a‘ H$Í$ eH$Vm AmU Àmda H$Vr ewÎH$ bmJob ho gmßJy. doimodoir XÈÒV Ho$boÎm Q>o[a\$ eoS>Áyb‡_mUo ewÎH$ bmdbo OmB©b.

I. VwÂhr ‡Àj IMugmR>r Ogo Bboä Q¥>m∞ZH$ pä bA[a®J gpÏh©g (B©grEg) d ÒWmr AmXoemßÍ$nr XboÎm AmXoemß‡_mUo H$m_ Ho$bo OmB©b. VwÂhr XboÎm AmXoem‡_mUo H$m_ H$a mV hJ qH$dm dbß~ Pmbm d Àm_wio Vw_Mm AmW©H$ VmoQ>m Pmbm qH$dm AV[aä V qH$_V dmT>br, Va ~±Ho$¿m ZwH$gmZ

anmB© ZrVr‡_mUo anmB© XoD$. nU Vw_¿m ImÀmV nwaoer eÎbH$ ZgÎm_wio Oa Vw_¿m AmXoem‡_mUo H$m_ H$aVm Ambo Zmhr, Va doimodoir XÈÒV Ho$boÎm ‡ewÎH$ AZwgwMr‡_mUo (Q>o[a\$ eoS>Áyb) Vw_¿mSy>Z AmH$ma KoVbm OmB©b.

J. Oa Ago bjmV Ambo H$s AZYH•$VnUo / MwH$s_wio Vw_¿m ImÀmV H$moUVrhr aä H$_ Zmdo KmVbr Jobr Amho Va Vw_¿m ImÀmV ÏmOmgH$Q> naVmdm Xbm OmB©b d ~±Ho$¿m ZwH$gmZ anmB© YmoaUm‡_mUo anmB© Xbr OmB©b.

8.5 ‡XmZ (XoUo) Wmß~d mMr gwdYm

m gßXm©V AmÂhr Imbrb‡_mUo H$È :

H$. VwÂhr XboÎm MoH$¿m ~m~VrV VwÂhr XoUo Wmß~d mMr Ho$bobr gyMZm ÒdrH$mÈ. Vw_¿mH$Sy>Z gyMZm _imÎmda Vm~S>Vmo~ ÀmMr nmoMnmdVr XoD$ d Oa Am_¿mH$Sy>Z MoH$ AmYrM ä brAa Pmbo ZgVrb Va nwT>Mr H•$V H$È.

I. AgÎmg ‡ewÎH$ AZwgwMr (_‹o Q>o[a\$ eoS>Áwb) XÎm‡_mUo AmH$ma bmdy.


J. Oa ‡XmZ Wmß~d m¿m gyMZoMr nmoMnmdVr XÎmZßVa hr Am_¿mH$Sy>Z MoH$Mo ‡XmZ Ho$bo Jobo, Va VodT>r aä H$_ naV H$È d ~±Ho$¿m ZwH$gmZ anmB© YmoaUmZwgma anmB© XoD$.

8.6 VwÂhr Omar Ho$bobo MoH$ / Zmdo bh m¿m gyMZm

AmÂhr ho H$È :

H$. Vw_¿m ImÀmVyZ ÀmMo n°go Xbo Jobo Ago _yi MoH$ / dOmdQ>r¿m gyMZm qH$dm ÀmßMr ‡Vbnr qH$dm grQ>rEg Zwgma O_m H$aUmËm ~±Ho$H$Sy>Z ‡m· Pmbobr MoH$Mr ‡V_m H$m⁄mZwgma AmdÌH$ AgboÎm H$mbmdYgmR>r R>ody.

I. Omon™V Am_¿mH$S>o AboI / aoH$m∞S>© Cnb„Y Agob Vmoda MoH$ / MoH$Mr ‡V_m / dOmdQ>r¿m gyMZm qH$dm ÀmßMr ‡Vbnr VwÂhmbm nwamdm ÂhUyZ XoD$. Oa Vw_¿m ImÀmVrb ‡XŒm MoH$ / dOmdQ>r¿m gyMZmß~‘b H$mhr dmX Agob, Va EH$ dfm©¿m AmV _mJUr Ho$Îmg H$mhr AmH$ma bmJUma Zmhr. _mÃ EH$ dfm©ZßVa ‡ewÎH$ AZwgwMrZygma (Q>o[a\$ eoS>Áwb) ewÎH$ bmdbo OmB©b.

J. ‡XmZ Z Pmbobo MoH$ d MmarI CbQy>Z Jobobo (ÒQ>ob) MoH$ m ~m~VrV

AmÂhr H$m H$aVmo Vo gmßJy. mgmR>r bmJUmao ewÎH$ Q>o[a\$ eoS>Áyb_‹o g_mdÓQ> Ho$bo OmB©b.

8.7 _wXV R>odr

H$. OoÏhm VwÂhr Am_¿mH$S>o _wXV R>od R>odmb, VoÏhm AmÂhr AOm©VM Vw_¿m R>odrMr _wXV nyU© PmÎmZßVa H$em n’VrZo naVmdm hdm, Àm~‘b¿m gyMZm KoD$.

I. Oa _wXV nyU© PmÎmZßVa R>odrMo H$m H$amMo m¿m gyMZm XboÎm ZgVrb, Va _wXVnyVuMr ZmoQ>rg nÃ / _ob / EgE_Eg ¤mao nwaogo AmYr H$idy.

J. Varhr Oa Vw_¿mH$Sy>Z H$mhrhr gyMZm Ambr Zmhr Va H$a ~MV R>od B. ‡H$ma¿m R>ody gmoSy>Z, Àm R>odrMo nyd©¿mM _wXVr gmR>r ‡MbV XamZo ZyZVrZH$aU H$Í$.

K. _wXVrnydu n°go H$mTy>Z Ko m~‘bMr n’V gmßJy. hr _mhVr ImVo CKS> mMm \$m∞_© / E_AmQ>rgr (_hÀdm¿m AQ>r d eVu) d _wXV R>od nmdVr¿m _mJrb ~mOyghr Xbobr Agob.

S>. _wXV R>od _wXVrnydu _moS> mgmR>r Agbobr AmH$maUr d Àmda bmJy hmoUmao ÏmO gmßJy.

M. gß wä V ImVo ""nhbm qH$dm CŒmaOrdr / H$moUr hr EH$ qH$dm CŒmaOrdr'' AmXoe Agbobo _wXV R>odrVrb n°go _wXVrnydu H$mTy>Z Ko mgmR>r gd© ImVoXmamßH$Sy>Z deÔ> gß wä V AmXoe Xbm Va nadmZJr XoD$. ImVo CKS> m¿m \$m∞_©_‹o hm AmXoe VwÂhmbm Xbm OmB©b.


N>. Vw_Mr R>od ÒdrH$maVmZm, _wXVrZßVa VwÂhmbm R>odrMo ZyVZrH$aU H$amMo AgÎmg ÀmgmR>r bmJy hmoUmao ÏmO, AQ>r d eVu gmßJy. hr _mhVr ImVo CKS> mMm \$m∞_© / E_AmQ>rgr / _wXV R>od nmdVr¿m _mJrb ~mOyghr Xbobr Agob.

O. Vw_¿m R>odr¿m O_m hmoUmËm ÏmOmda bmJy hmoUmËm AmH$a AYZ_m¿m VaVyXr, Àm AYZ_m‡_mUo Am_¿mda Agbobr ~ßYZo AmU Am_¿mH$Sy>Z _yi ÚmoVmVyZ H$a H$mnVmZm VwÂhmbm _iy eH$Umar gyQ> m~‘b _mhVr XoD$.

P. Oa Vw_¿m ÏmO CÀnfimda VwÂhr H$a Xo mg nmÃ Zgmb Va AO© aVmZm Vw_¿mH$Sy>Z AmÂhr 15 EM/15Or \$m∞_© Í$Z KoD$. Vw_¿m ÏmO CÀnfimda H$a Xo mg nmÃ Zgmb Va VwÂhr AmdÌH$Vm AgÎmg Agm \$m∞_© R>amdH$ H$mimZo Am_¿mH$S>o O_m H$amdm. AmÂhr ÀmMr nmoMnmdVr XoD$.

ƒm. Vw_¿m R>odrda O_m hmoUmËm / ‡XmZ Ho$Îm OmUmËm ÏmOmVyZ Oa AmÂhr H$a dOm Ho$bm Va R>amdH$ H$mimV Àmgß~ßYrMo ‡_mUnÃ VwÂhmbm XoD$.

Q>. Vw_¿m ~MV / Mmby ImÀmdarb ÏmOmda Oa H$a bmJy hmoV Agob Va dOm H$È d Vmo Vw_¿m ~±H$ nmg~wH$_‹o / ImVo ddaUnÃmV XmIdy.

8.7.1 R>od VmaUm darb H$O©

_wXV R>odrda VwÂhmbm Cnb„Y Agbobr AYH$f© (AmoÏhaS¥>m‚Q>) / H$O© gwdYm VwÂhmbm gmßJy.

8.8 _V ImVoXmam¿m ImÀm gßXm©Vrb XmÏmMo g_mmoOZ

(ImVo V~Xrbr)

H$. _V ImVoXmamMm ImÀmMm heo~ MwH$Vm H$a mgmR>r AmÂhr gmonr n’V

dmnÈ.

I. Oo Am_¿mH$S>o _V ImVoXmam¿m ImÀm¿m naVmÏm gmR>r \$m∞_© ømbm oVrb ÀmßZm _V ImVoXmamMo ImVo O_m~ßXr (V~Xrbr) H$a mgmR>r Xmdm

\$m∞_© XoD$. Xmdm \$m∞_© Am_¿m do~gmB©Q> da AgVrb.


8.8.1 CŒmaOrdr/Zm_ZXe H$b_ Agbobo ImVo

H$. _V ImVoXmam¿m ~m~VrV, OoÏhm ÀmZo Zm_ZXeZmMr gwdYm KoVbr Amho AmU d°Y Zm_ZXeV Ho$bo Amho qH$dm CŒmaOrdr H$b_mgh ImVo CKS>bo Agob (Ogo ""H$moUrhr EH$ qH$dm CŒmaOrdr'' qH$dm ""H$moUrhr qH$dm CŒmaOrdr'' qH$dm ""AmYrMm qH$dm CŒmaOrdr'' qH$dm ""ZßVaMm qH$dm CŒmaOrdr'') Va _V ImVoXmam¿m ImÀmVrb eÎbH$sMo ‡XmZ _V ImVoXmam¿m CŒmaOrdr / Zm_ZXeV Ïpä Vbm Ho$bo OmB©b, Oa

i) CŒmaOrdr / Zm_ZXeV Ïpä VMr AmoiI d ImVoXmam¿m _•ÀwMo Vœ moΩ H$mJXnÃmßMm nwamdm XoD$Z nQ>dyZ XoB©b.

ii) _V ImVoXmam¿m ImÀmVyZ ‡XmZ H$a mg ~ßXr H$aUma H$moUVmhr AmXoe gj_ ›mmbmZo Omar Ho$bm Zgob.

Aem ‡H$aUmß_‹o _V ImVoXmam¿m ImÀmV eÎbH$ Agbobr aä H$_ dMmamV Z KoVm _V ImVoXmam¿m CŒmaOrdr / Zm_ZXeV Ïpä VH$Sy>Z CŒmamYH$ma ‡_mUnÃ, ‡emgZ nÃ qH$dm ‡mo~oQ> B. qH$dm CŒmaOrdr / Zm_ZXeV Ïpä VH$Sy>Z jVnyVu ~m∞ S> H$dm Om_rZ Z _mJVm ‡XmZ Ho$bo OmB©b.

I. CŒmaOrdr / Zm_ZXeV Ïpä VßZm _V ImVoXmamMo H$mXoera dmagmßMo dÌdÒV ÂhUyZ ~±Ho$H$Sy>Z ‡XmZ _iob. AWm©V Àm_wio ¡m Ïä VrMo CŒmaOrdr / Zm_ZXeV Ho$boÎm ¡mßZm _V Ïä Vr¿m ImÀmVrb aä H$_ AXm Ho$br Amho, Aem Ïpä V®dÈ’Mo hä H$ d Xmdo mßZm jVr nmohmoMUma Zmhr.

J. m AQ>t¿m AYrZ CŒmaOrdr / Zm_ZXeV Ïpä V®Zm ‡XmZ Ho$ÎmZßVa ~±H$ Àmß¿m XmÀdm_YyZ nyU©nUo _wä V hmoB©b.

K. ""H$moUrhr qH$dm CŒmaOrdr'' qH$dm ""ZßVaMm qH$dm CŒmaOrdr'' AYXoe AgboÎm _wXV R>odt¿m ~m~VrV H$moUÀmhr EH$m R>odrXmam¿m _•ÀwZßVa CŒmaOrdr gh ImVoXmamßZm _∞¿w[aQ>rnydu R>odr H$mTy>Z Ko mMr nadmZJr VoÏhmM Xbr OmB©b, OoÏhm R>odr gßXm©Vrb gd© R>odrXmamßH$Sy>Z Aem ‡H$maMm AYXoe / AmXoe KoVbm Agob.

8.8.2 CŒmaOrdr/Zm_ZXe H$b_ Zgbobo ImVo

Oa _V ImVoXmamZo Zm_ZXeZ Ho$bobo Zgob qH$dm H$moUrhr EH$ qH$dm CŒmaOrdr (Ogo EH$ qH$dm gß wä V ImVo) m n’VrMo ImVo Zgob Va gm_m› _mUgmbm CJrMM hmoUmam Ãmg d AgwdYm Q>mi mgmR>r ImVoXmam¿m H$mXoera dmagmßZm naV\o$S> H$a mgmR>r gmonr AmÂhr n’V Adbß~y.

Am_Mo OmoIr_ ÏdÒWmnZ YmoaU bjmV KoD$Z jVnyVu ~ßX nÃmedm BVa H$mJXnÃ gmXa H$amdr Z bmJVm _V R>odrXmam¿m ImÀmVrb aä H$_ Xo mgmR>r AmÂhr Àm¿m ImÀmVrb eÎbH$ aH$_oZwgma R>amdH$ H$_mZ _m©Xm R>ady.


8.8.3 Xmdm MwH$Vm H$a mg bmJUmam doi

_V ImVoXmam¿m dVrZo gmXa Ho$bobm Xmdm, AmÂhmbm _imÎmnmgyZ 15 Xdgm¿m AmV MwH$Vm H$È d Àm¿m CŒmaOrdr / Zm_ZXeV Ïpä V®Zm n°go XoD$. _mÃ ImVoXmam¿m _•ÀwMm nwamdm d XmdoXmamMr ZrQ> AmoiI m~m~VrV ~±Ho$Mo g_mYmZ Pmbo nmhOo.

8.8.4 _wXV R>odr _wXVrnydu _moS>Uo

_wXV R>odr¿m ~m~VrV, ImVo CKS> m¿m \$m∞_© _‹oM Ago H$b_ Kmby H$s ¡m_‹o ImVoXmamMm _•Àw PmÎmg _wXV R>od _wXVrnydr© _moS> mg _w m Xbobr Agob mgmR>r AmdÌH$ AQ>r Àm \$m∞_©_‹oM XboÎm AgVrb AmU Aem ‡H$mao n°go H$mT>VmßZm H$moUVohr XßS>mÀ_H$ ewÎH$ bmJUma Zmhr.

8.8.5 _V ImVoXmam¿m Zmdmda oUmam n°em¿m AmoKmMo ÏdÒWmnZ

_V ImVoXmam¿m CŒmaOrdr / Zm_ZXeV Ïpä VMm Ãmg dmMmdm mgmR>r, _V ImVoXmam¿m Zmdmda oV amhUmËm n°emß¿m gßXm©V CŒmaOrdr / Zm_ZXeV Ïpä VH$Sy>Z moΩ H$amaZm_m / AYH$manÃ KoVbo OmB©b. mgmR>r Imbrbn°H$s EIm⁄m _mJm©Mm Adbß~ H$a mMm dMma Ho$bm OmB©b.

i. Zm_ZXeV / CŒmaOrdr Ïpä V AmÂhmbm "" .................................. _V mßMr _mb_Œmm'' Aem ZmdmZo EH$ ImVo CKS> mgmR>r ‡mYH•$V H$È eH$Vo,

¡m_‹o _V ImVoXmam¿m Zmdmda oUmao gd© n°go O_m H$obo OmVrb, _mÃ n°go H$mT>Vm oUma ZmhrV.

qH$dm

ii. Zm_ZXeV / CŒmaOrdr Ïpä VZo AmÂhmbm ‡mYH•$V Ho$Îmg Ambobo n°go, nmR>dUmËmg ""ImVoXma _•Àw nmdbm Amho'' Aem eoËmgh naV nmR>dbo OmVrb d Àm‡_mUo Zm_ZXeV / CŒmaOrdr Ïpä Vbm H$id mV oB©b. CŒmaOrdr / Zm_ZXeV Ïpä V qH$dm H$mXoera dmag ZßVa n°go nmR>dUmËmer gßnH©$ gmYyZ moΩ Ïpä V¿m Zmdo naH$mÂ XÒVmEodOm¤mao (ZJmoe~b BßÒQØ>_|Q>) qH$dm BVa Bboä Q¥>m∞ZH$ _m‹_mVyZ n°go nmR>d mg gmßJy eH$VmV.


8.9 gwajm R>od, bm∞H$a

Oa AmÂhr gwajm R>od bm∞H$a godm XoV Agy, Va gwajm bm∞H$g©¿m dmQ>nm gßXm©Vrb d _m°ÎdmZ dÒVyß¿m gwajV R>odr H$jm ~‘bMo Z_ d n’V AmU qH$_Vr gm_mZmMr gwajm R>od m~m~VMr nyU© _mhVr XoD$. _wXV R>odrer gß~ßYV Z R>odVm bm∞H$a XoD$. VWmn, bm∞H$aMo mS>o doi¿m doir _i m¿m —Ô>rZo bm∞H$a XoVmZm VrZ dfm©Mo mS>o d JaO nS>Îmg bm∞H$a VmoS> mgmR>r bmJUmao ewÎH$ BVä m aH$_oMr _wXV R>od KoD$.

8.10 dXoe dZ_ godm

H$. OoÏhm VwÂhr dXoer MbZ dH$V ømb qH$dm dH$mb Àmdoir AmÂhr m godo~‘bMr. dZ_ Xa d dXoer MbZ Ïdhmambm bmJy Agbobo BVa AmH$ma

m~‘bMr _mhVr XoD$. Oa ho eä Zgob, Va Vo H$em n’VrZo KoVbo OmVo Vo VwÂhmbm gmßJy.

I. Oa VwÂhmbm naXoer n°go nmR>dmMo AgVrb, Va Vo H$go H$amdo ho gmßJy d nwT>rb _mhVr XoD$.

i) godoMr _mhVr d Vr H$er dmnamdr ho gmßJy.

ii) VwÂhr naXoer nmR>dbobo n°go VoWo Ho$Ïhm _iVrb ho gmßJy d Oa Cera Pmbm Va ÀmMr H$maUo XoD$.

iii) dXoer MbZ ~XbVmZm bmJy Agbobm dZ_ Xa gmßJy (Oa ‡Àj Ïdhma H$aVmZm ho eä Zgob, Va Vmo Xa H$m hmoVm ho AmÂhr VwÂhmbm ZßVa H$idy.)

iv) VwÂhmbm amdo bmJUmao H$moUVohr H$_eZ qH$dm ewÎH$ d n°go _iUmËmbm bmJUmao Am_¿m ~amo~a H$m_ H$aUmËm ghmH$ naXoer ~±Ho$Mo ewÎH$ m~‘b gyMV H$Í$.

J) naXoer n°go nmR>d mgmR>r VwÂhr Xbobr _mhVr nwaoer Amho qH$dm Zmhr ho gmßJy. Oa dgßJVr qH$dm H$mJXnÃmßMr Anwar _mhVr Xbr Agob. Va AmÂhr VwÂhmbm Vm~S>Vmo~ H$idy d Vr XÈÒV / nyU© H$a mgmR>r _XV H$È.

K. Oa naXoemVyZ Vw_¿m ImÀmV n°go Ambo AgVrb Va AmÂhr VwÂhmbm _yi aä H$_ d Àmda Oa H$mhr ewÎH$ bmdbo Agob Va Vr aä H$_ H$idy. Oa nmR>dUmËmZo gd© ewÎH$ a mMo _m› Ho$bo Agob, Va n°go Vw_¿m ImÀmV

aVmZm AmÂhr H$mhrhr ewÎH$ bmdUma Zmhr.

L>. VwÂhr dMmaÎmg AmÂhr XoV AgboÎm dXoer MbZ godo gß~ßYV Zm_H$ AmdÌH$Vm qH$dm AQ>r gmßJy.

M. ¡mXder aä H$_ Vw_¿m ImÀmV O_m Pmbr nmhOo Àmnojm OmÒV Cera Pmbm Va, VwÂhmbm ~±Ho$¿m ZwH$gmZ anmB© YmoaUm‡_mUo ZwH$gmZ anmB© XoD$. i) Xo VmaIo ZßVa Pmbobo ÏmOmMo ZwH$gmZ d ii) dXoer dZ_ Xam¿m ‡VHw$bVoMr Xo VmaIonmgyZ anmB© Am_¿m ZwH$gmZ anmB© YmoaUm Zwgma Xody.


N>. Zm_H$ / H$mXoerb gyMZmßZwgma AmdÌH$ Agbobr ‡_mUnÃo Z:ewÎH$ XoD$.

8.11 maVmßJ©V n°go nmR>dUo

Oa VwÂhmbm maVmVÎm maVmV (XoemßVJ©V) n°go nmR>dmMo AgVrb Va AmÂhr Vo H$go H$amdo m~‘b _mhVr XoD$ d Imbrb ‡_mUo H•$Vr H$È :

H$. godmßMr dÒV•V _mhVr XoD$ d H$er dmnamdr Vo gmßJy

I. Vw_¿m JaOmZwÈn n°go nmR>d mgmR>r H$moUVr godm gdm©V OmÒV moΩ Amho, Vo gmßJy

J. Q>o[a\$ eoS>Áyb ‡_mUo godmßgmR>r H$Vr ewÎH$ qH$dm H$_eZ ⁄mdo bmJob ho gmßJy.

K. _mo~mB©b ~±qH$J / EZB©E\$Q>r / AmaQ>rOrEg ¤mao nmR>dboÎm n°emMr pÒWVr H$m Amho ho EgE_Eg / B©-_ob ¤mao H$idy.

S>. EZB©E\$Q>r / AmaQ>rOrEg Ïdhmamer gß~ßYV Vw_Mo ‡ÌZ / Mm°H$er hmVmiUmËm Am_¿m JmhH$ gwdYm H|$–mer gßnH©$ gmY mgmR>r A⁄mdV _mhVr do~gmB©Q>da XoD$.

M. dbß~ PmÎmg Àm~‘b anmB© XoD$ AmU ZwH$gmZ / AV[a∫$ ewÎH$ Vw_¿mH$Sy>Z KoVbo Agob Va ÀmMrhr anmB© H$È.

N>. R>amdH$ _m©Xon™V n°go nmR>d mMr gwdYm AmÂhr ImVoXma ZgboÎm ~±Ho$V oUmËm H$moUÀmhr JmhH$mbm XoD$.

8.12 H$O©

H$. H$O© AmU AJ_ Xo mgmR>r Am_¿m _ßS>imZo pÒdH•$V Ho$bobo YmoaU R>adbobo Agob.

I. Vw_Mr AmW©H$ pÒWVr d naV\o$S>r¿m j_Vm mßMo H$miOrnyd©H$ ZYm©aU H$Í$Z Àm AmYmamda VwÂhmbm H$O© Xo mMm ZU© R>ady.

J. H$O© Xo m¿m ~m~VrV AmÂhr qbJ, OmV AmU Y_m©¿m AmYmamda oX H$aUma Zmhr. VWmn, g_mOm¿m R>amdH$ dJm©gmR>r (dH$mg) moOZm Vma H$a mnmgyZ qH$dm ÀmV mJ Ko mnmgyZ m JmoÔ>r AmÂhmbm namd•Œm H$aUma ZmhrV.


8.12.1 H$O©

8.12.1.1 gm_m› _mhVr

AmÂhr ho H$È :

H$. VwÂhr KoVboÎm H$O© gßMmbV H$aUmËm AÀßV _hÀdm¿m AQ>r d eVu (E_AmQ>rgr) VwÂhmbm XoD$.

I. VwÂhmbm H$O© / Ho$S>Q> H$mS>© Xo m¿m doirM Am_¿m H$O© / Ho$S>Q> H$mS>m©Mr R>iH$ d°eÓQ>Áo d ÀmM~amo~a Àmbm bmJy hmoUmao ewÎH$ d AmH$ma mßMr _mhVr XoD$.

J. AO© H$a mgmR>r Vw_¿mH$Sy>Z AmÂhmbm H$mXoea VaVyXtMr nyV©Vm H$a mgmR>r bmJUmar _mhVr / H$mJXnÃ mßMr _mhVr XoD$. Vw_Mr AmoiI, amh mMm nŒmm d ZmoH$ar B. m gßXm©V bmJUmao H$mJXnÃ d gßd°YmZH$ ‡mYH$aUmßgmR>r H$mXoera d Zm_H$ JaOoZwgma bmJUmao BVa H$mJXnÃ Ogo n∞Z (PAN) Mr _mhVr AmÂhr VwÂhmbm XoD$.

K. VwÂhr H$O© / Ho$S>Q> H$mS>© AOm©_‹o XboÎm _mhVrMr gÀVm nS>Vmi mgmR>r Vw_¿m Ka¿m qH$dm Am∞\$g¿m \$moZda gßnH©$ gmYy AmU / H$ßdm JaO mgÎmg AmÂhr mMgmR>r Zwä V Ho$boÎm EO›gr¤mao Vw_¿m Kar H$ßdm Am∞\$g_‹o ‡Àj oQ> XoD$.

S>. Oa AmÂhr VwÂhmbm AmoÏhaS¥>m‚Q> gwdYm XoV Agy qH$dm VwÂhr dmnaV AgboÎm AmoÏhaS¥>m‚Q>Mr _m©Xm dmT>dyZ XoV Agy Va ÀmMr naV\o$S> _mJUr Ho$Îm ~amo~a H$amMr Amho qH$dm H$go ho VwÂhmbm gmßJy. AmdÌH$Vm AgÎmg AmÂhr VwÂhmbm AmoÏhaS¥>m‚Q>Mr aä H$_ H$er dmT>Vo d ÀmdaMo ÏmO H$go dmT>Vo ÀmMr n’V gmßJy.

M. Oa AmÂhr VwÂhmbm \$moZdÍ$Z Ho$S>Q> gwdYm XoD$ Ho$br / _m› Ho$br Va Vw_¿mH$Sy>Z boIr qH$dm BVa H$moUÀmhr n’VrZo _m›Vm AmÎmZßVaM Vw_¿m ImÀmV Àm H$Om©Mr aä H$_ O_m Ho$br OmB©b. AYH•$V Bboä Q¥>m∞ZH$ _mJm©Zo Vw_Mr _m›Vm Ambr Va AmdÌH$ dYJmVm VnmgyZ nmhZM _m› H$È.

N>. Ho$S>Q> H$mS>©Mr _m©Xm dmT>dyZ XoUo d Ïpä VJV H$Om©Mr _m©Xm dmT>dUo B. gh H$moUÀmhr ÒdÍ$nmV Z _mJVbobo nyd©gÂ_V Ho$S>Q> gwdYm XoUma Zmhr.

8.12.1.2 H$Om©gmR>r AO© d ÀmMr ‡H$m

H$. H$O© XoVmZm, AmÂhr H$O© AOm©Mm mJ ÂhUyZ Àm¿m ~amo~a bmJy hmoUmao ÏmOXa, dmf©H$ ÏmO Xamgh, VaßJVo (~XbVo) Xa qH$dm R>abobo (ZpÌMV) ÏmOXa, VgoM H$O© ‡H$ogmR>r Xo ewÎH$ / AmH$ma, Oa H$O© gß_V Pmbo Zmhr / Xbo Zmhr Va ho ewÎH$ naV _iob H$m, H$Om©Mr AJmoXa naV\o$S> H$a mMr gwdYm d AgÎmg ÀmMr AmH$maUr hr gd© _mhVr XoD$.


ÀmM~amo~a naV\o$S>rg dbß~ PmÎmg Àmda AgÎmg XßS>mÀ_H$ AmH$maUr, Vw_Mo H$O© Zä H$s Ho$boÎm ÏmOXamVyZ VaßJÀm ÏmOXamV qH$dm CbQ> ~XbmMo AgÎmg, Oa AgVrb Va bmJy hmoUmao AmH$ma, qH$dm BVa ~m~r H$s ¡m_wio H$O©Xmam¿m ÏmOmda n[aUm_ hmoV Agob mMr _mhVr Xody. ¡m_wio VwÂhmbm BVa ~±H$m¿m ÏmOXamer VwbZm H$aVm ody eHo$b d moΩ ZU© KoVm

oB©b.

I. AO© nyU©nUo a m¿m —Ô>rZo OmoS>mdm¿m AmdÌH$ H$mJXnÃmßMr (H$mXoera d Zm_H$ AmdÌH$V) mXr AOm© ~amo~a XoD$. JaO nS>Îmg AO© a mg _XV H$È.

J. Oar VwÂhr AO© ‡Àj qH$dm Am∞ZbmB©Z gmXa Ho$bm Agbm Var AmÂhr Vw_¿m H$Om©gmR>r Ho$boÎm AOm©Mr nmoMnmdVr Zä H$sM XoD$. Vw_¿m AOm©da H$Vr H$mbmdY_‹o ZU© KoVbm OmB©b ho VwÂhmbm H$id mMm ‡ÀZ H$È.

K. AO© nyU©nUo abobm Agob d ~amo~a XboÎm mXr‡_mUo gd© H$mJXnÃo OmoS>br AgVrb Va È. 20 bmImn™V¿m H$Om©Mm ZU© AO© _imÎmnmgyZ H$m_m¿m 30 Xdgmß¿m AmV H$idy. È. 20 bmIm nwT>¿m aH$_o¿m ~m~VrVrb ZU© dmOdr H$mim_‹o H$idy.

S>. ghgm H$Om©gmR>r AO© KoVmZmM H$O© ‡H$ogmR>r AmdÌH$ Vr _mhVr AmÂhr KoVmo. Oa AmUIr H$mhr _mhVr bmJbr Va AmÂhr Vw_¿mer Vm~S>Vmo~ gßnH©$ gmYy.

M. Vw_Mm H$O© AO© ZmH$maÎmg ÀmMr H$maUo VwÂhmbm bIrV ÒdÍ$nmV H$idy.

N>. AmÂhr VwÂhmbm H$O© _ßOya PmÎmMo nÃ XoD$, ¡mV VwÂhmbm _ßOya Pmbobr H$Om©Mr aä H$_, AQ>r d eVu mßMr _mhVr Xbobr Agob.

O. AmÂhr VwÂhmbm H$O©\o$S>rMr VaVyX Agbobo eoS>Áwb (H$O© KoVÎm¿m H$mbmdYr_Yrb _yi aä H$_ d ÏmOm¿m naV\o$S>rMo eoS>Áwb) XoD$.

P. OoÏhm ÏmOXa ~XbVrb Àmdoir g_H•$V _mgH$ h·oM Mmby R>odyZ H$mbmdYr dmT>d mMm qH$dm CbQ> H$a mMm dH$În Amho H$m ho AmÂhr VwÂhmbm gmßJy.

Ã. H$Om©gmR>r VwÂhr Vma Ho$boÎm gd© H$mJXnÃmß¿m AY‡_mUV ‡Vbnr Am_¿m IMm©Zo H$Í$Z XoD$ d H$O© XÒVmdoOm_‹o XboÎm ‡ÀoH$ gßbæH$m¿m ‡Vbnr XoD$.

Q>. H$Om©gmR>r Vw_¿m H$Sy>Z KoVboÎm ‡ÀoH$ VmaU / AmZwfßJH$ VmaU ÂhUyZ KoVboÎm _mb_ŒmoMr boIr nmdVr XoD$.

R>. Vw_Mo ImVo EZnrE hmo mnydu ÀmMr pÒWVr VwÂhmbm nÃ / _ob qH$dm EgE_Eg Zo H$id mMm ‡ÀZ H$È.


S>. Oa AmÂhr H$amamZwgma H$O© naV Ko mgmR>r qH$dm ama no_|Q> H$a mMm qH$dm AV[aä V gwajm Ko mMm ZU© KoVbm, Va VwÂhmbm AmJmD$ gyMZm XoD$.

T>. Vw_¿m _wXV / S>_mßS> H$O© ImÀmMo dmf©H$ ÒQ>oQ>_|Q> nmR>dy.

U. ‡ewÎH$ AZwgyMr (Q>o[a\$ eoS>Áwb) _‹o XÎm‡_mUo ewÎH$ bmdyZ, VwÂhmbm H$Om©Mr dmf©H$ ÒQ>oQ≤>_|Q≤>g EH$m nojm AYH$ doim hdr AgÎmg Xody.

V. _m› / H$ama Ho$boÎm gd© aH$_oMr naV\o$S> PmÎmda 15 Xdgmß¿m AmV AmÂhr Vw_¿m gd© VmaU / XÒVmdoO / JhmU R>odboÎm _mb_ŒmoMo hä H$, dboI dfrMo H$mJXnÃ naV XoD$. Oa XgËm H$moUÀm XmÏmgmR>r hm hä H$ ~XbyZ ømMm Agob Va Àm XgËm XmÏmMr nyU© _mhVrgh VwÂhmbm gyMZm nmR>dy. d Vmo gß~ßYV Xmdm nyU© hmoB©n™V Vo VmaU / XÒVmdoO / H$mJXnÃ / JhmU R>odboÎm _mb_ŒmoMo hä H$, dboI Am_¿mH$S>oM R>ody.

W. _m› / H$ama Ho$Îm‡_mUo gd© aH$_oMr naV\o$S> PmÎmZßVa Vw_¿m ‡VyV / VmaU / XÒVmdoO / JhmU R>odboÎm _mb_ŒmoMo hä H$, dboI naV Xo mg 15 Xdgmßnojm OmÒV dbß~ Pmbm Va AmÂhr VwÂhmbm ZwH$gmZ anmB© XoD$.

X. H$O© KoVmZm VwÂhr Am_¿mH$S>o R>odbobr ‡VyV / H$mJXnÃo / _mb_ŒmoMo H$mJX Am_¿mH$Sy>Z hadbo Jobo Va Vw_Mo ZwH$gmZ ÈZ XoD$. AmU Vo hadbo AgÎm~‘bMo ‡_mUnÃ XoD$ d VwÂhmbm Àm H$mJXnÃmß¿m ‡Vbn _idyZ Xo mgmR>r nyU©nUo _XV H$È.

Y. H$O© ImVo ~Xb mMr AO©XmamMr dZßVr qH$dm ~±H$ / AmW©H$ gßÒWoH$Sy>Z AmboÎm dZßVrMr ‡H$m gm_m› H$_mZo H$È d AO© _imÎmnmgyZ XmoZ AmR>dS>Ám¿m AmV _m› hmoVo qH$dm Zmhr ho H$idy.

Z. ~XbVo ÏmOXa AgboÎm J•hH$Om©da AmÂhr g_nyd© ~ßXr ewÎH$ (\$moaä bmoOa ewÎH$) qH$dm nyd©-‡XmZ XßS> (‡no_|Q> noZÎQ>r) bmdUma Zmhr.

8.13 h_r

H$. Vw_¿m Xo VogmR>r VgËm njmH$Sy>Z h_r qH$dm BVa gwajm AmÂhr ÒdrH$mamdr Ago VwÂhmbm dmQ>V Agob Va, Vw_¿m dŒmm ~‘bMr Jw· _mhVr VwÂhmbm h_r qH$dm BVa VmaU XoUmËm Ïpä Vbm qH$dm Àmß¿m H$mXo gÎbmJmambm Xo mgmR>r AmÂhr Vw_Mr nadmZJr _mJy.


I. AmÂhr hohr H$È :

i. ÀmßZr ÒdVßÃ H$mXoera gÎbm ømdm d ÀmßZr ÀmßMr ~mßYbH$s AmU Àmß¿m ZU© mMm hmoD$ eH$Umam naUm_ g_OyZ ømdm mgmR>r ÀmßZm CX≤ wä V H$È. (VoWo moΩ Agob, ¡m H$mJXnÃmßda AmÂhr ÀmßMr ghr KoD$ Àmda ÒnÔ> d CKS> gyMZm XoD$Z ÀmMr e\$mag Ho$bobr Agob).

ii. ÀmßZm hr _mhVr XoD$ H$s h_r XÎm_wio qH$dm BVa VmaU XÎm_wio Vw_¿m EodOr qH$dm Vw_¿m BVHo$M Vohr Àm H$Om©bm O~m~Xma amhVrb.

iii. ÀmßMo XmÀd / O~m~Xmar H$m Agob ÀmMr _mhVr ÀmßZm XoD$.

iv. _ßOya PmboÎm H$Om©¿m AQ>r d eVu / H$O© H$amaZm_m Vw_¿m H$Om©gmR>r amhboÎm h_rXmamßZm dZm_yÎ XoD$.

J. VwÂhr OoÏhm EIm⁄m H$Om©gmR>r Om_rZXma (J∞a|Q>a) amhUma Agmb Va AmÂhr VwÂhmbm Imbrb ‡_mUo _mhVr Xody :

i. Om_rZXma ÂhUyZ Vw_Mo XmÀd

ii. VwÂhr ~±Ho$bm H$Vr aH$_o¿m XmÀdmgmR>r ~mßYb AmhmV.

iii. H$moUÀm n[apÒWVrV AmÂhr VwÂhmbm n°go ambm gmßJy.

iv. Oa Om_rZXma ÂhUyZ VwÂhr n°go XoD$ eH$bm ZmhrV Va AmÂhr Vw_¿m BVa n°emßMm Adbß~ / dmna H$È eH$Vmo H$m ?

v. Om_rZXma ÂhUyZ Vw_Mo XmÀd R>amdH$ _m©Xon™V Amho H$s A_m©XV Amho.

vi. Om_rZXma ÂhUyZ H$Yr d H$moUÀm n[apÒWVrV d H$em n’VrZo Vw_Mo XmÀd nma nmS>mdo bmJob ho AmÂhr VwÂhmbm H$idy.

vii. ¡m H$O©XmamgmR>r VwÂhr Om_rZXma amhbm AmhmV, Àm¿m AmW©H$ pÒWVr_‹o ‡VHw$b \$aH$ nS>bm Va ÀmMr _mhVr VwÂhmbm XoV amh.

K. _m› / H$ama Ho$Îm‡_mUo naV\o$S> PmÎmda 15 Xdgmß¿m AmV Vw_¿m gd© ‡VyV / H$mJXnÃ / JhmU R>odboÎm gßnŒmrMo XÒVmdoO VwÂhmbm naV XoD$.


S>. _m› / H$ama Ho$Îm‡_mUo naV\o$S> PmÎmda Vw_¿m gd© ‡VyV / H$mJXnÃ / JhmU R>odboÎm gßnŒmrMo XÒVmdoO VwÂhmbm naV Xo mg 15 Xdgmßnojm OmÒV dbß~ PmÎmg AmÂhr VwÂhmbm ZwH$gmZ anmB© XoD$.

M.‡VyV / H$mJXnÃ Am_¿mH$Sy>Z hadbo Va AmÂhr VwÂhmbm Àm~‘b ZwH$gmZanmB© XoD$ d Vo hadÎm~‘b ‡_mUnÃ XoD$. ÀmßMr ‡Vbn _idyZ Xo mgmR>r nyU©nUo _XV H$È.

8.14 H|$–r Zm|XUr (g|Q¥>b aOÒQ¥>r)

OoÏhm ‡mW_H$ qH$dm XÊ_ (H$mob∞Q>ab) gwajm ÂhUyZ AMb _mb_Œmm JhmU R>odyZ H$O© gwdYm KoVm, VoÏhm H|$–r Zm|Yar n’Vr¿m H$m_H$mOmgßXm©V _mhVr VwÂhmbm XoD$ AmU hohr gmßJy H$s H$O©Xmambm qH$dm m _mb_ŒmoMo Ïdhma H$a mMr B¿N>m AgboÎm H$moUmbmhr ho AboI Vnmg mgmR>r Cnb„Y AgVrb.

8.15 Xo amerMm hemo~ nyU© H$aUo (goQ>ob_|Q> Am∞\$ S>ÁyO)

H$. OoÏhm VwÂhmbm doioda ‡XmZ H$aUo eä Zgob Va eä VodT>Ám bdH$a AmÂhmbm H$idm.

I. IamoIa AmW©H$ g_Òm AgboÎm gd© ‡H$aUmßMm AmÂhr Zm_H$ _mJ©Xe©H$ VÀdo AmU Am_Mo YmoaU mßZm AZwgÍ$Z ghmZy wVrnyd©H$ d gH$mamÀ_H$VoZo dMma H$È.

J. VwÂhmbm gßH$Q>mVyZ ~mhoa nS> mgmR>r AmÂhr _XV H$a mMm ‡ÀZ H$È.

K. Xo aH$_oMr naV\o$S> H$a mgmR>r AmÂhr VwÂhmbm EH$XmM hemo~ nyU© H$a mMr (AmoQ>rEg) moOZm Xbr, Va ÀmMr dÒV•V _mhVr XoD$.

S>. VwÂhmbm XoD$ Ho$boÎm AmoQ>rEg¿m AQ>r d eVu ÒnÓ H$Í$Z gmßJy.

M. AmoQ>rEg Imbr hemo~ MwH$Vm Ho$bmV Va grAmgr _‹o AgboÎm Vw_¿m Ho$S>Q> ddaUmda H$m n[aUm_ hmoB©b Vo gmßJy.

8.16 H$O© d H$mS>m©¿m Xo VoMo ‡VyVH$aU

H$. Oa AmÂhr Vw_Mo H$O© / Vw_¿m H$mS>m©Mr Xo Vm XgËm AmÒWmnZoer gä wQ>amB©O Ho$br (dH$br) Va Àm AmÒWmnZoMo Zmd d gßnH©$ _mhVr AmU ÀmßZm AßV[aV Ho$bobr H$O© / H$mS>m©Mr oUo aä H$_ VwÂhmbm H$idy. gm_m›V: Or H$O / H$mS>m©Mr Xo Vm ‡_mU ZgVo (Zm∞Z ÒQ>±S>S>© A∞goQ≤>g) Aer H$O A∞goQ> [aH$›ÒQ¥>ä eZ Hß$nZrbm (EAmagr) gmondyZ dH$br OmVmV. VoÏhm Xo Vm VS>OmoS>rZo _Q>dbr OmVo VoÏhm EAmagr bm Aer H$O (AmW©H$ _mb_Œmm ÒdÍ$n) gmond mMm ‡ÌZ oV Zmhr.


I. ¡m Hß$nZrbm Vw_Mo H$O© / Xo Vm gmondbr AgVrb VoWo VwÂhmbm Vw_Mr Xo aä H$_ amdr bmJob.

J. ¡m Hß$nZrH$S>o Vw_Mo H$O© / Xo Vm gmondbr (AßV[aV) AgVrb Vr Hß$nZr mnwT>o Vw_¿m CYma / H$Om©Mr (Ho$S>Q>) _mhVr Ho$S>Q> Bß\$m∞_eZ Hß$nZrbm H$idV amhrb.

K. Am_¿mH$Sy>Z Vw_Mo H$O© Xo Vm ¡m Hß$nZrH$S>o gmondbr (AßV[aV Ho$br) AgVrb, Àmß¿m dÈ’ Vw_Mr H$mhr VH$ma Agob, Va ÀmMo ZdmaU H$a mV _XV H$a mMm AmÂhr ‡ÀZ H$È.

8.17 Bboä Q¥>m∞ZH$ ~±qH$J

8.17.1 nZ (PIN d° pä VH$ AmoiI H$_mßH$) AmU nmgdS>© (nadbrMm e„X)

H$. nZ d nmgdS>©¿m gßXm©V Vo Mmby H$aUo, gmß miUo d ÀmMr gwajm mgmR>r AmßVaamÔ¥>r ÒVamda ‡_mUV n’V dmnÈ. ¡m_wio ÀmßMr Jw·Vm AmU Vw_¿m gwajoMr H$miOr KoVbr OmB©b.

I. Vw_Mm nZ VwÂhmbm Vw_Mr AmoiI nQ>dyZ Am_¿m emIo_‹o XoD$ qH$dm Am_¿mH$S>o AgboÎm Vw_¿m nŒmda nmR>dy. Vw_¿m gmo rZwgma nZ ZdrZ Vma H$ÈZ øm.

J. Vw_Mo ImMo gwajV ahm m¿m —Ô>Zo Imbr XmIdÎm‡_mUo gmono nZ AmU nmgdS>© Q>mim.

i) O›_ XZmßH$, _hZo, df©

ii) H$_mZwgma AßH$ - (Ogo, 3456)

iii) ghO AßXmO H$aVm oUmao H$_mßH$ (Ogo 1111)

iv) Vw_¿m Xa‹dZr H$_mßH$mMm _mJ

v) Vw_¿m H$moUÀmhr H$mS>©da N>mnboÎm H$_mßH$mMm ÀmM H$_mZo Ambobm mJ

vi) ghO _i mgmR>r Vw_Mr H$moUVrhr _mhVr (Ogo S¥>mpÏh®J nadmZm qH$dm Vw_¿mer gß~ßYV BVa H$_mßH$) AmU

vii) Hw$Qw>ß~ gXÒmßMr, nmird ‡m mßMr qH$dm aÒÀmMr Zmdo

K)Vw_¿m nZ d nmgdS>©Mr H$miOr KoUo AmdÌH$ Amho.

ho H$È ZH$m

i) Vw_Mo H$mS>©, nZ, nmgdS>© qH$dm BVa gwajm _mhVr BVamßZm dmnÈ XoUo.

ii) Vw_Mm nZ, nmgdS>© qH$dm BVa gwajm _mhVr bhZ R>odUo.

iii) Vw_Mo nmgdS>© Vw_¿m _mo~mB©b / ~mD$Oa_‹o Zm|XdyZ R>odUo.


iv) Vw_¿m ImÀmMr _mhVr nmgdS>© / nZ qH$dm BVa gwajm _mhVr H$moUmbmhr AJXr ÀmZo ~±Ho$Mm AYH•$V ‡VZYr Amho Ago gmßJVbo Var XoUo.

v) H$moUÀmhr H$maUmgmR>r ~±H$ / ImÀmMr _mhVr _mJUmËm nÃ Ïdhmambm CŒma XoUo.

vi) naXoer Hß$nZr / Ïpä V®Zr nmR>dboÎm qH$dm maVr Ïpä V Oo Aem gßÒWmßMo ‡VZYr AgÎmMo mgdVmV, ~ZmdQ> Am∞\$g© / bm∞Q>ar [OßH$ m¿m, naXoemVyZ AmboÎm naXoer MbZmVrb Mn \ß$S> nmR>dÎm¿m ybWmnmßZm ~ir nS>Uo. m Am∞\$g© ghgm nÃ, B©-_ob, _mo~mB©b, \$moZ, EgE_Eg B. ¤mao nmR>dÎm OmVmV.

Zoh_r ho H$am

i) Vw_Mm nZ, nmgdS>© d BVa gwajm _mhVr bjmV R>odm d m gßXm©V Vw_¿mH$S>o Ambobm bIV nÃÏdhma \$mSy>Z Q>mH$m.

ii) Oa Vw_Mm nZ ~XbUma Agmb Va ZdrZ nZ H$miOrnyd©H$ ZdS>m.

iii) ghO gmonm Zgbobm Agm _O~yV nmgdS>© ZdS>m d Vmo Z_VnUo ~XbV ahm.

iv) Vw_Mo H$mS>© Vw_¿m Vm„mV gwajV ahm mgmR>r H$miOr øm d Vw_Mm nZ, nmgdS>© d BVa gwajm _mhVr Zoh_rM Jw· R>odm.

v) OoÏhm VwÂhr EQ>rE_ qH$dm nrAmoEg H$mCßQ>ada H$mS>© dmnamb VoÏhm Vw_Mm nZ H$moUr nhmV Zmhr mMr H$miOr øm.

vi) VwÂhmbm bjmV Ambo qH$dm eßH$m Ambr H$s Vw_Mm nZ qH$dm nmgdS>© H$moUmbm H$ibm Amho qH$dm H$i mMr eä Vm Amho Va AmÂhmbm bJoM H$idm. H$moUmbm Vw_Mm nmgdS>© / nZ H$ibm Amho Ago g_Obo qH$dm eßH$m Ambr Va Vmo bJoM ~Xbm.

vii) ddY H$mS>© AmU dÒVyßgmR>r doJdoJim nZ qH$dm nmgdS>© ⁄mMm ‡ÀZ H$am.

viii) Vw_¿m Hß$flwQ>a / _mo~mB©b _‹o nm∞da Am∞Z / E∞ä gog nmgdS>© Q>mH$m, Hß$flwQ>abm ÒH$sZgoÏha nmgdS>© Q>mH$m ÂhUOo Vw_¿m nadmZJr edm BVa H$moUr Vw_Mm Hß$flwQ>a / _mo~mB©b dmnÈ eH$Uma Zmhr.

S>. Vw_Mm nZ qH$dm BVa gwajm _mhVr H$moUmbm g_Obr Va VwÂhr AmÂhmbm gyMV Ho$ÎmZßVa AmÂhr ÀmMm J°a-dmna hmoD$ Zo mgmR>r Vm~S>Vmo~ nmdbo CMby.

8.17.2 BßQ>aZoQ> ~±qH$J

H$. BßQ>aZoQ> ~±qH$J ¤mao Ïdhma H$aUo d gwajVnUo Mmby H$aUo mgmR>r moΩ gwajm ‡Umbr dmna mgmR>r AmdÌH$ nmdbo CMby.


I. Am_Mr BßQ>aZoQ> ~±qH$J ‡Umbr d VßÃ gwajV R>od mgmR>r nyU© H$miOr KoD$ d ÀmMm Z_V AmT>mdm KoD$ AmU Zoh_r A⁄mdV H$arV amh.

J. ZVH$mbH$, B©-_ob, Am_¿m do~gmB©Q>¤mao d JmhH$ Zoh_r dmnaVmV Ago EQ>rE_ B. ¤mao VwÂhmbm Am∞ZbmB©Z gwajo¿m —Ô>rZo gmja H$a mgmR>r nwT>mH$ma KoD$.

K. AmÂhr VwÂhmbm H$Yrhr Vw_¿mH$S>o BßQ>aZoQ> ~±qH$J gwajm _mhVr ‡Àj qH$dm boIr (B©-_ob gh) Xo mg gmßJUma Zmhr qH$dm Vw_Mm nmgdS>© dMmaUma Zmhr.

S>>. OoÏhm ‡W_ AmÂhr Am_Mr BßQ>aZoQ> ~±qH$J gwdYm VwÂhmbm Iwbr H$È, VoÏhm Vw_Mr Am∞ZbmB©Z _mhVr gwajV R>od m~‘bMr _mhVr Hw$R>o _iob d VwÂhr ÒdV: AmU Vw_¿m gßJUH$mbm R>H$~mOr, KmoQ>mio qH$dm AZYH•$V ÏdhmamßnmgyZ H$go gwajV R>odmMo Vo gmßJy hr _mhVr doimodoir A⁄mdV H$arV amh.

M. BßQ>aZoQ> ~±qH$J gwdYe dmnÈZ Vw_Mr _mhVr ImVo d dmXJÒV Ïdhma AZYH•$VnUo nmhbr OmV Agob Va ÀmMm [anmoQ>© H$a mMr n’V H$m Amho ho VwÂhmbm gmßJy d Àmß¿mer gßnH©$ gmY mMr _mhVr VwÂhmbm XoD$ ÂhUOo Aer AZYH•$V H•$V Vw_¿m bjmV Ambr Va VwÂhr bJoM [anmoQ>© H$È eH$mb.

N>. OoÏhm VwÂhr BßQ>aZoQ> ~±qH$J godm Mmby H$amb VoÏhm gß~ßYV AQ>r d eVu VwÂhmbm gmßJy. dÒV•V BßQ>aZoQ> ~±qH$J AQ>r d eVu Am_¿m do~gmB©Q>da hr Cnb„Y AgVrb.

O. gd© BßQ>aZoQ> ~±qH$J gß~ßYV godm d AgÎmg Àmbm bmJy hmoUmao ewÎH$ Xe©dbo OmVrb d AmnÎmbm ho Am∞ZbmB©Z Cnb„Y AgVrb. VgoM gXa ewÎH$ (‡ewÎH$ AZwgyMr) Q>o[a\$ eoS>Áwb_‹o hr Xbobr AgVrb.

P. Zm_H$mZo doimodoir ZhV Ho$Îm‡_mUo, AmW©H$ ÏdhmamgmR>r AmÂhr Xgam n°by _mnXßS> (goHß$S> \∞$ä Q>a n∞am_rQ>a) ¤mao AV[aä V ‡_mUrH$aU ‡H$m nyU© H$È.

Ã. ZpÌMV Ho$boÎm _m©Xonojm OmÒV aH$_oMo AmW©H$ Ïdhma VwÂhr Ho$Îmg Am_¿mH$S>o Zm|XdboÎm H$_mßH$mda AmÂhr VwÂhmbm EgE_Eg / B©-_ob AbQ>© nmR>dy.

Q>. ZoQ> ~±qH$J da Ho$boÎm gd© AmXmVm (no r)/~ba Zm|XUrH$aUmMo EgE_Eg / B©-_ob VwÂhmbm nmR>dy.

R>. Bboä Q¥>m∞ZH$ Ïdhmam _‹o qH$_V, ÏdhmamMr n’V AmU bmmWu mgmR>r H$_mb ÒVa ZpÌMV H$a mMr gwdYm VwÂhmbm XoD$. VwÂhmbm nm© ~XbmMm Agob Va ÀmgmR>r AmÂhmbm Vw_¿mH$Sy>Z AV[aä V AY‡_mU bmJob. Vw_¿mH$Sy>Z nm© ~Xb mMr dZßVr _imÎmda AmÂhr VwÂhmbm AbQ>© nmR>dy.


S>. VwÂhr Ho$Ïhmhr BßQ>aZoQ> ~±qH$J godoMm nm© gmoSy> eH$Vm. VWmn Vw_Mm ZU© VwÂhr AmÂhmbm H$idbm nmhOo d AmdÌH$ Am°nMm[aH$Vm nyU© Ho$Îm nmhOoV.

T>. Vw_¿mH$Sy>Z BßQ>aZoQ> ~±qH$J gwdYm Mmby hmo mnydu / n[aMmbV H$a mnydu H$mhr ÏdhmamVyZ ZwH$gmZ Pmbo Va Àmbm VwÂhr O~m~Xma AgUma Zmhr.

U. Omo nmgdS>© qH$dm gwajm _mhVr AmÂhr VwÂhmbm ‡Àj Xbr, Àm~m~V H$mhr dmX PmÎmg ÀmgmR>r Ho$di Vmo VwÂhr XboÎm Zo_ä m nŒmda nmR>dbm Amho hm nwamdm ÂhUyZ Jm YaUma Zmhr.

V. VwÂhmbm BßQ>aZoQ> ~±qH$J godoMm E∞ä gog _imÎmZßVa H$moUVohr AZYH•$V Ïdhma PmÎmg Vw_Mr Xo Vm Imbrb JmoÔ>rnojm H$_r Agob-

i) AmÂhmbm ‡Àj gyMV H$aVmZm Agbobo ‡Àj ZwH$gmZ qH$dm

ii) Vw_¿m ImÀmVyZ Cnb„Y Agw eH$Umar H$mT>Vm o mgmR>rMr eÑ H$

iii) VwÂhr Aem ÏdhmamßgmR>r R>adyZ Xbobr _m©Xm

iv) (i) Vo (iii) nojm H$_r qH$dm H$_mb È.10,000/- (Xhm hOma \$ä V)

W. Vw_Mm nmgdS>© qH$dm gwajm _mhVr BVa H$moUmbm g_Obr qH$dm Vw_¿m BßQ>aZoQ> ~±qH$J _mhVr qH$dm ImÀmMm E∞ä gog BVa H$moUmbm _imÎmg eä VVä m bdH$a AmÂhmbm H$idÎmg, VwÂhr AmÂhmbm H$idÎmZßVa PmboÎm ZwH$gmZmgmR>r VwÂhmbm O~m~Xma Yabo OmUma Zmhr, Oa VwÂhr b~mS>r Zmhr Ho$brV qH$dm ZÓH$miOrnUo dmJbm Zmhr qH$dm Aem E∞ä gog CKS> H$aUo qH$dm AZYH•$V E∞ä gog_‹o Vw_Mm ghmJ Zgob Va.

X. BßQ>aZoQ> ~±qH$J ‡UmbrMr gwajm ÃwQ>r _wio moΩ H$miOr Ko mg Ag_W© R>abmo Àm_wio Vw_Mo ‡Àj ZwH$gmZ Pmbo d ho Vw_¿m_wio qH$dm Vw_¿m ghmJm_wio Pmbo Zmhr Va Àm~‘b VwÂhmbm naVmdm / ZwH$gmZ anmB© XoD$.

Y. Omon™V VwÂhr H$mhr H$miOr KoVm, Vmo n™V Am∞ZbmB©Z ~±qH$J gwajV d gmo rÒH$a Amho. VWmnr H•$nm Imbrb JmoÔ>tMr H$miOr øm :

i) Am_¿m gwajV BßQ>aZoQ> ~±qH$J gmB©Q>bm ‡Àj oQ> ⁄m (CKS>m). BVa gmB©Q>¿m qbH$dÍ$Z qH$dm B©-_obdÍ$Z gßnH©$ Q>mim. ~ZmdQ> do~gmB©Q> Q>mi mgmR>r ÒH$sZda XgboÎm S>mo_oZ ZmdmMr ImÃr H$Í$Z øm.


ÀmMr _mhVr Mm°H$ergmR>r AmÂhmbm ⁄m. nmobrg qH$dm AmÂhr VwÂhmbm Am∞ZbmB©Z ~±qH$J qH$dm no_|Q> H$mS>© nZ qH$dm nmgdS>© ~‘bMr _mhVr dMma mgmR>r Vw_¿mer gßnH©$ gmYUma Zmhr.

iii) H$m_ Pmbo H$s ZoQ> ~±qH$J _YyZ bm∞J Am∞\$ H$am. goeZ ~ßX PmÎmda bm∞J Am∞\$ hmo mgmR>r \$ä V Vr qdS>mo ~ßX H$È ZH$m Va bm∞J AmCQ> ~Q>U dmnam.

iv) Am_Mr BßQ>aZoQ> ~±qH$J gmB©Q> CKS> mgmR>r H$Yrhr gm~a H∞$\o$ qH$dm dmJyZ dmnabo OmUmao gßJUH$ dmnÈ ZH$m.

v) Vw_Mo gßJUH$ Zoh_r ZdrZV_ A±Q>r-Ïhmag AmU A±Q>r Ònm doAa gm∞‚Q>doAa dmnÈZ gwajV R>odm.

vi) h∞H$g©, dmag AQ>∞H$ qH$dm ZwH$gmZH$maH$ ‡moJm_nmgyZ ajU H$aUmao gä w[aQ>r ‡moJm_ Vw_¿m gßJUH$mV KmbyZ øm.

vii) Vw_Mm gßJUH$ d ÀmVrb _mhVr BßQ>aZoQ> ¤mao BVamßnmgyZ gwajV R>od mgmR>r moΩ Ago \$madm∞b (AæqV) ‡moJm_ bmdyZ øm.

viii) Vw_¿m Am∞naoqQ>J gÒQ>r__YyZ "\$mB©b d q‡Q>tJ eoA[a®J' S>go~b H$Í$Z øm.

ix) OoÏhm dmnamV Zgob VoÏhm Vw_Mm gßJUH$ "bm∞J Am∞\$' H$am.

x) Vw_¿m BßQ>aZoQ> Eä gflbmoAa ~mCPa _‹o Vw_Mm AmS>r / nrAmEZ (AmoiI H$_mßH$) R>ody ZH$m.

xi) Vw_Mo ImVo d Ho$bobo Ïdhma Zoh_r VnmgV ahm.

xii) Am_Mm gÎbm nmim. Am∞ZbmB©Z gwajV H$go ahmdo mgmR>r _XV d gÎbm _i mgmR>r Am_Mr do~gmB©Q> hr moΩ OmJm Amho.

8.17.3 _mo~mB©b ~±qH$J

H$. Am_Mo _mo~mB©b A∞pflbHo$e›g gwajV AgVrb mMr H$miOr KoD$. Z_VnUo ÀmMm AmT>mdm KoD$ AmU A⁄mdV H$arV amh.

I. BßQ>aZoQ> ~±qH$JMm dmna H$aVmZm ømdm¿m H$miOr ~amo~aM OoÏhm VwÂhr ~±[Hß$J godogmR>r _mo~mB©b qH$dm BVa gmoeb _S>mMm dmna H$aVm VoÏhm Vw_¿m gmYZmß¿m gwajVo gmR>r AV[a∫$ H$miOr KoUo JaOoMo Amho.

i) Vw_Mm gmYZ (S>dmBg) CKS>Ámda Q>mHy$ ZH$m qH$dm _mo~mB©b ~±qH$J godogmR>r bm∞J BZ H$Í$Z R>ody ZH$m.

ii) gmYZ (S>dmBg) Hw$bwn~ßX (bm∞H$) H$Í$Z R>odUo qH$dm _mo~mB©b ~±[Hß$J godoMm AZYH•$V dmna Q>mi mgmR>r BVa nmdbo CMbUo.

ii) Vw_Mm nmgdS>© qH$dm nZ dMmaUm H$aUmËm B©-_obH$S>o Xb©j H$am d


iii) Vw_Mo gmYZ (S>dmBg) hdbo qH$dm Mmoarbm Jobo Va eä VVä m bdH$a AmÂhmbm H$idm.

J. Oa VwÂhr _mo~mB©b ~±qH$J godm ÒdrH$mabr, Va Vw_¿m Zm|XUrnydu VwÂhmbm Imbrb _mhVr XoD$.

i) dmnaUmËmMr AYH•$VVm AmU Àm¿mer gßbæ H$mXoera O~m~Xmar mgmR>r AmÂhr dmnabobr gwajm n’V.

ii) dmna d no_|Q> Wmß~d mgmR>r bmJy AgboÎm gyMZm pÒdH$ma mgmR>r¿m, Oa AgVrb Va gß~ßYV, AQ>r d eVu.

8.17.4 EQ>rE_ / S>o~Q> d Ho$S>Q> H$mS>©

H$. VwÂhr ZdS>boÎm ImÀm~amo~a Oa gm_m›nUo AmÂhr EQ>rE_ / S>o~Q> H$mS>© XoV Agy Va XoD$. Vw_Mr B¿N>m ZgÎmg VwÂhr ho H$mS>© ZmH$mÈ eH$Vm.

I. H$mS>© VwÂhmbm ‡Àj Xbo OmUma Agob, Va H$mS>© Vw_¿m Vm„mV Xo mnydu AmÂhmbm Vw_Mr AmoiI nQ>br nmhOo.

J. Vw_¿m nhÎm H$mS>m©~amo~a H$mS>© H$go dmnamMo m¿m _mhVr~amo~a godm _mJ©Xe©H$ / gmgX nwpÒVH$m XoD$. mV nwT>rb _mhVr Agob- AQ>r d eVu, Vw_Mo H$mS>© hadbo / J°a dmna Pmbm Va Vw_Mo hmoUmao ZwH$gmZ AmU BVa gß~ßYV _mhVr.

K. Vw_¿m H$mS>m©gmR>r Vw_¿m H$Vr ImÀmßMm A∞ä gog Amho Vo gmßJy, ÀmM~amo~a Vw_Mo H$mS>© EH$mnojm OmÒV H$m_o H$aV Agob Va Vr H$moUVr ho hr gmßJy.

S>. nrAmoEg H$mCßQ>a, EQ>rE_ d dXoer MbZ ÏdhmamgmR>r g‹m bmJy Agbobr _m©Xm H$idy.

M. Vw_¿m H$mS>m©gmR>r bmJy hmoUmao ewÎH$ d AmH$ma gmßJy.

N>. Vw_¿m gd© H$mS>© ÏdhmamßgmR>r, aH$_oer gß~ßYV Z R>odVm, ""Am∞ZbmB©Z AbQ>©'' XoD$. Vw_Mo H$mS>© Xa doir dmnaÎmda AbQ>© XoVmZm AmÂhr EH$ Q>obr\$moZ H$_mßH$ XoD$. Oa Vmo Ïdhma VwÂhr Ho$bm Zgob / Vw_¿m H$mS>m©Mm J°admna Pmbm Agob Va VwÂhr Àmda gßnH©$ H$ÈZ Vw_Mo H$mS>© ZÓH$s H$È eH$Vm.

O. EH$mM Xder gbJ VrZ doi MwH$sMo bm∞J BZ PmÎmg VwÂhmbm EgE_Eg nmR>dy.

P. VwÂhr Vw_Mm Mmby _mo~mB©b H$_mßH$ / B©-_ob AmS>r AmÂhmbm Zoh_r H$idbm nmhOo, ÂhUOo VwÂhmbm Am_Mo AbQ>© VÀnaVoZo _iVrb. hr _mhVr Xo mV VwÂhr MwH$bmV Va H$mS>m©¿m J°a dmnam_wio hmoUmËm ZwH$gmZrg VwÂhr O~m~Xma Agmb.


Ã. OoÏhm AmÂhr VwÂhmbm H$mS>© XoD$, VoÏhm ÀmMr H$miOr H$er ømdr hohr gmßJy. CXm. VwÂhr Imbrb JmoÔ>tH$S>o bj Xbo nmhOo :

i) Vw_Mo H$mS>© CKS>Ámda nmH$sQ>, ng©, dmhZmV Q>mHy$ Zo, OoWyZ ghO H$mT>Vm oB©b.

ii) H$mS>© _imÎm~amo~a bJoM Àmda ghr H$ÈZ R>odm.

iii) Vw_Mo H$mS>© H$moUmbmhr XoD$ ZH$m qH$dm H$moUmbmhr dmnÈ XoD$ ZH$m. H$mS>© dmnaÎmda AmR>dUrZo naV øm.

iv) Vw_Mm nŒmm ~XbÎmg AmÂhmbm bJoM H$idm ÂhUOo Xgao H$mS>© ⁄mMo AgÎmg Vo moΩ nŒmda nmohMob.

v) Vw_Mo H$mS>© hadÎmg qH$dm Mmoarbm JoÎmg Vw_¿m bjmV AmÎmda bJoM AmÂhmbm H$idm.

8.17.4.1 ZwH$gmZ / Mmoar / dmXJÒV Ïdhma H$idUo

H$. Vw_Mo H$mS>© / nZ hadbo, Mmoar Pmbr qH$dm AZYH•$V dmna PmÎmg Vo H$id mgmR>r H$moUVr n’V dmnamdr Vo H$idy.

I. Vw_Mo H$mS>© hadbo qH$dm Mmoar Pmbo qH$dm Vw_Mm nZ / nmgdS>© H$moUmbm H$ibm Va Vw_Mr Xo Vm H$Vr amhb mMm g_mdoe AmÂhr AQ>r d eVu _‹o H$È.

J. Vw_Mo H$mS>© hadbo, Mmoar Pmbo qH$dm Vw_Mo H$mS>© nZ / nmgdS>© mn°H$s H$emMrhr AZYH•$V dmna Pmbm Va Vo bjmV AmÎm~amo~a VwÂhmbm H$id mg gmo rMo Omdo ÂhUyZ AmdÌH$ Q>obr\$moZ H$_mßH$ d B©-_ob AmS>r XoD$.

K. Vw_Mo H$mS>© hadbo qH$dm Mmoarg Jobo qH$dm BVa gwajm _mhVr g_OÎmMo Vw_¿m bjmV AmÎm~amo~a Vw_Mm nZ, nmgdS>© d gwajm _mhVr Vm~S>Vmo~ ~Xb m~amo~aM VwÂhr AmÂhmbm bJoM H$idbo nmhOo.

S>. Oa V_w M o EQ>rE_ / S>o ~Q> / H$o S>Q> H$mS> © hadb o qH$dm Mmao r Pmb o Va VÂw hm AmÂhmbm H$idÎmda Vm~S>Vm~o ÀmMm Ja° dmna hm o mnmgZy Wm~ß d mgmR>r AmdÌH$ nmdb o CMb.y

M. VwÂhr AmÂhmbm H$ido n™V¿m doimV PmboÎm J°admnamgmR>r VwÂhr O~m~Xma Agmb.

N>. H$mS>© hadbo qH$dm ÀmMm J°admna PmÎmMo VwÂhr H$idbo H$s Vm~S>Vmo~ AmÂhr Vo H$mS>© AdamoYrV („bm∞H$) H$È. H$mS>© hadbo / J°admna PmÎmMo VwÂhr Am_¿m 24 Vmg IwÎm Q>mob \$s H$_mßH$mda gmßJyZ ÀmMr boIr nwÔ>r ÀmZßVa bJoM nmR>dmdr. mgmR>r XboÎm B©-_ob AmS>rda VwÂhr B©-_ob hr H$È eH$Vm. ÀmZwgma H$mS>m©Mm dmna „bm∞H$ Ho$ÎmMr nwÔ>r AmÂhr VwÂhmbm Vm~S>Vmo~ XoD$.


O. EH$Xm VwÂhr AmÂhmbm Vw_Mo H$mS>© hadbo, Mmoar Pmbo qH$dm Vw_Mm nZ qH$dm nmgdS>© BVa H$moUmbm H$idÎmMo H$idbo H$s ÀmZßVa Àm H$mS>m©¿m PmboÎm H$moUÀmhr J°admnamgmR>r VwÂhr O~m~Xma R>aUma Zmhr. nU Oa VwÂhr ZÓH$miOrnUo qH$dm b~mS>rZo dmJbmV Va ho gßaja VwÂhmbm _iUma Zmhr.

P. dmXJÒV Ïdhmamß¿m ~m~VrV VwÂhr dMmabo Va Àm~‘bMr AYH$ _mhVr VwÂhmbm XoD$. ¡m ~m~VrV AmÂhmbm Vw_Mo ÂhUUo _m› Zgob, VoÏhm ‡ÌZmßH$V Ïdhma VwÂhrM ‡mYH•$V Ho$bm Amho mMm nwamdm Xo mMr O~m~Xmar Am_¿mda Agob.

Ã. MwH$sMo, Ad°Y qH$dm AZYH•$V Ïdhma PmÎmMo AmÂhmbm gyMV Ho$bo Va Àm~m~V AmÂhr Mm°H$er H$È. Vmo Ïdhma MwH$sMm, Ad°Y qH$dm AZYH•$V AgÎmMo AmT>iyZ Ambo Va MmO©~∞H$ ‡mogog Zwgma nw›hm CbQ> ([aÏhg©) H$È.

Q>.Oa VwÂhr Vw_Mm ~amo~a nŒmm Xbm Agob, VwÂhmbm Vw_Mo H$mS>© d Oa Agob Va nZ d nmgdS>© _i mnydu PmboÎm ZwH$gmZrg VwÂhr O~m~Xma AgUma Zmhr. VwÂhmbm d° pä VH$[aÀm Z _imboÎm H$mS>©, nZ qH$dm nmgdS>© ~m~V H$mhr dmX AgÎmg AmÂhr Ho$di Vw_¿m moΩ nŒmda nmR>dbo hm H$mS>©, nZ qH$dm nmgdS>© VwÂhmbm _imÎmMm nwamdm ÂhUyZ YaUma Zmhr.

R>. Imbrb JmoÔ>t_wio hmoUmËm ZwH$gmZrg VwÂhr O~m~Xma Zgmb-

i) Am_Mo H$_©Mmar, EOßQ> qH$dm Bboä Q¥>m∞ZH$ ~±qH$J godm nwadUmam V•Vr nj mßMr R>H$~mOr qH$dm ZÓH$miOr dmJUyH$ :

ii) _eZ, H$mS>© qH$dm dmnamV AgboÎm ‡Umbr_wio PmboÎm MwH$m, Oa Àm MwH$m bjmV o mgmaªm ZgVrb qH$dm Àm~‘b VwÂhmbm _ogoO nmR>dbm Zgob qH$dm ÀmMr gyMZm ‡Xe©V Ho$br Zgob Va.

iii) VwÂhmbm H$mS>©, nZ qH$dm nmgdS>© _i mnydu Pmbobo AZYH•$V Ïdhma.

iv) BVa H$moUVohr AZYH•$V Ïdhma, OoWo ho ÒnÔ> Amho H$s ÀmV Vw_Mm ghmJ Ag mMr eä Vm Zmhr.

S>. VwÂhr AmÂhmbm gyMV H$a mnydu PmboÎm ZwH$gmZrgmR>r Vw_Mr Xo Vm È. 10,000/- (È. Xhm hOma \$ä V nojm OmÒV Zgob). VWmn hr _m©Xm bmJy hmoUma Zmhr Oa-

i) VwÂhr R>H$~mOr qH$dm ZÓH$miOrnUo dmJbmV; qH$dm

ii) Vw_¿m H$mS>m©¿m AZYH•$V dmnam_‹o Vw_Mm ghmJ Agob.

T>. darb H$b_ VwÂhmbm bmJy Agob Va Vw_Mr H$_mb Xo Vm Imbrb CÎboIboÎm nojm H$_r Agob -

i) gyMV H$a m¿m doir Agbobo ‡Àj ZwH$gmZ


ii) Vw_Mo H$mS>© hadbo / Mmoar Pmbo d VwÂhr AmÂhmbm gyMV Ho$bo m _YÎm doioV Vw_¿m ImÀmVyZ n°go H$mT> mgmR>r VwÂhr nmÃ Agbobr H$_mb _m©Xm.

U. Ïdhmamda dmX H$a mgmR>r Vw_¿mH$S>o _m©XV doi Agob. m doio~‘b AmÂhr AQ>r AmU eVu_‹o VwÂhmbm _mhVr XoD$. Àm doio_‹o MwH$sMo, Ad°Y qH$dm AZYH•$V ÏdhmamßMr _mhVr AmÂhmbm H$id mMm AW© AmÂhr Vmo Ïdhma CbQ> \$ady eH$Uma Zmhr d VwÂhmbm ÀmMo n[aUm_ moJmdo bmJVrb. Aem _m©XV doim AgVmV, OoÏhm AmÂhr Ho$S>Q> H$mS>©Mo Ïdhma [aÏhg© H$È eH$Vmo. deofV: OoWo Ho$S>Q> H$mS>© Hß$nZrMo Z_ bmJy hmoVmV. CXm. AmÂhr Ho$S>Q> H$mS>© Ïdhma CbQ> \$ady eH$Uma Zmhr OoWo dÒVyMm XOm© AmU godm m~‘b ÏmnmËmer dmX Agob H$ßdm XOm© d godm m~m~VrV Vw_Mm dMma ~Xbbm qH$dm S>o~Q> H$mS>© Ïdhmam_‹o Vw_¿mH$Sy>Z qH$dm ÏmnmËmH$Sy>Z MyH$ Pmbr.

V. VwÂhmbm VH$ma Zm|XdVm o mgmR>r qH$dm ZdmaU H$Í$Z Ko mgmR>r gmo rMo Omdo ÂhUyZ EQ>rE_ _‹o ¡mßMo EQ>rE_ Amho Àm ~±Ho$¿m hoÎn S>oÒH$ / gß~ßYV Ïpä VMo Q>ob\$moZ Zß. ‡Xe©V H$È.

W. ¡mß¿mH$S>o VH$ma Zm|XdVm oB©b Aem AYH$mËmMo Zmd d Q>ob\$moZ Zß~ahr ‡Xe©V H$Í$.

X. EQ>rE_ Ïdhma AeÒdr Pmbm d aä H$_ Zmdo Q>mH$br Jobr Va gXa MwH$s¿m aH$_oMm VwÂhmbm dhV doio_‹o naVmdm XoD$. dhV doionojm OmÒV dbß~ Am_¿mH$S>o ÂhUOo EQ>rE_ H$S>© Omar Ho$boÎm ~±Ho$H$S>o Ïdhmam¿m Vrg Xdgmß¿m AmV Zm|Xdbm Va.

Y. dmXJÒV EQ>rE_ Ïdhmam¿m ~m~VrV, dmX _Q>on™V gß~ßYV grgrQ>rÏhr¤mam N>mmMÃU PmboÎm KQ>ZmßMo \w$Q>oO Am_¿mH$S>o R>ody. Aem AboIm¿m n[aajU H$mim XaÂmZ dmX CnpÒWV Ho$bm Jobm VaM ho \w$Q>oO _iy eHo$b.

8.17.5 Ho$S>Q> H$mS>©

H$. OoÏhm VwÂhr H$mS>m©gmR>r AO© H$amb VoÏhm Àm¿mer gß~ßYV gd© _mhVr AmÂhr VwÂhmbm XoD$. Ogo _hÀdm¿m AQ>r d eVu, ewÎH$ d ÏmOXa d B©Va ewÎH$ ~qbJ d no_|Q> R>admMr n’V, n°go a mg C[ea Pmbm ho R>ad mMr n’V, H$_V H$_r aä H$_ a mMo AmW©H$ n[aUm_ nyZZ©drH$aU AmU H$mS>© ~ßX H$a mMr n’V, d H$mS>© dmna mgmR>r VwÂhmbm AmdÌH$ Agbobr gd© _mhVr.

I. AOm©~amo~a AmÂhr VwÂhmbm AVe _hÀdnyU© AQ>r d eVu (E_AmQ>rgr) Mr EH$ ‡Vbnr XoD$.

J. OoÏhm VwÂhr Ho$S>Q> H$mS>© gmR>r AO© qH$dm ÀmMm bm KoUma Agmb, Àm¿m nyV©VoMm bjV H$mbmdY AmÂhr VwÂhmbm gyMV H$Í$.


K. Oa Vw_Mm ‡mo\$mB©b Ho$S>Q> H$mS>© Omar H$a mgmR>r moΩ dmQ>bm Va AmÂhr VwÂhmbm ZpÓH$ (S>Epä Q>ÏhoQ>o) Ho$S>Q> H$mS>© Omar H$È AmU Vw_¿mH$Sy>Z Ho$S>Q> H$mS>© ÒdrH$maV AgÎmMr gß_V Ambr VgoM gH$ H$a mgmR>r AmdÌH$ nmdbo CMbÎmdaM H$mS>© gH$s / Mmby Ho$bo OmB©b Oo d[ab AQ>t¿m AYrZ Agob.

S>. Oa Vw_¿m gß_V edm AmÂhr H$mS>© gH$ Ho$bo qH$dm Vw_¿m gß_V edm XboÎm H$mS>m©Mo AmH$ma bmdbm Va AmÂhr Vmo AmH$ma \$ä V naVM H$aUma Zmhr Va Àm AmH$mam¿m XflnQ> aä H$_ XßS> ÂhUyZ VwÂhmbm naV XoD$.

M. AmÂhr Vw_¿m boIr gß_V ZßVaM VwÂhmbm F$U / CYma gwdYm XoD$ qH$dm Vw_¿m H$mS>m©Mr Ho$S>Q> _m©Xm dmT>dy. Bboä Q¥>m∞ZH$ _m‹_m ¤mao ‡m· gß_V, ¡mV VwÂhr deÔ> ‡H$mao H$moUVo Ïdhma H$aUma AmU AVe _hÀdm¿m AQ>r d eVu dmMbo AgÎm~‘b ‡_mUV H$aVm AmU ¡mVyZ Aem gß_VMo S>OQ>b aoH$m∞S>© gm ÂhUyZ ‡m· H$Í$Z KoD$ eH$Vmo, Àmbmhr gß_V _mZbo OmB©b.

N>. AmÂhr Vw_¿mV\$ Zm_ZXeV Ho$boÎm Ïpä V®Zm AV[a∫$ H$mS>© XoD$ eH$Vmo. Vw_¿m dZßVrZwgma VwÂhmbm Omar Ho$boÎm AV[aä V H$mS>m©gmR>r (EHy$U _m©Xo_‹o) _m©Xm R>adyZ XoD$ eH$Vmo. Aem AV[aä V H$mS>© YmaH$m¿m gd© ÏdhmamßgmR>r VwÂhr O~m~Xma Agmb.

O. Oa Vw_¿m Ho$S>Q> H$mS>©Mr _m©Xm H$_r H$a mMm ‡ÒVmd Agob, Va ÀmMo H$maU XoD$Z VwÂhmbm Vm~S>Vmo~ EgE_Eg / B©-_ob ¤mao H$idy d ÀmZßVa ÀmMr boIr nwÔ>rhr nmR>dy.

P. Vw_Mr H$mS>© a‘ H$a mMr dZßVr, Oa Xo ~mH$s aH$_oMm ZnQ>mam / ‡XmZ Pmbobo Agob, Va _m› H$È AmU Vw_Mr boIr dZßVr qH$dm Am_¿m H$S>o Zm|XboÎm Vw_¿m B©-_ob AmS>r dÍ$Z ‡m· Ho$S>Q> H$mS>© ~ßX / a‘ H$a mMr B©-_ob AmÎmZßVa H$m_H$mOm¿m 7 Xdgmß¿m AmV ÀmMr nwÔ>r H$Í$

8.17.5.1 Ho$S>Q> H$mS>© ddaUnÃ

H$. Vw_¿m Ho$S>Q> H$mS>© ImÀmMr ÏdÒWm nhm mgmR>r d Ho$S>Q> H$mS>©Zo Ho$bobr IaoXr / H$mT>bobo n°go nhm mgmR>r AmÂhr VwÂhmbm Ho$S>Q> H$mS>© ÏdhmamMo Vnerb Agbobo ddaUnÃ Xa_hm nmoÔ>mZo qH$dm VwÂhmbm hdo AgÎmg BßQ>aZoQ> ¤mao dZm_yÎ nmR>dy. Ho$S>Q> H$mS>© ddaUnÃ ‡ÀoH$ _h›m¿m R>amdH$ VmaIobm Vw_¿m nŒmda nmoÔ>mZo / Hw$araZo qH$dm Vw_Mr B¿N>m AgÎmgB©-_obZo dZm_yÎ nmR>dbo OmB©b. ddaUnÃ BßQ>aZoQ> ~±qH$Jda gw’m nmh eH$Vm.


I. ddaUnÃ Z _imÎmg VwÂhr Am_¿mer gßnH©$ gmYmdm ÂhUOo AmÂhr ddaUnÃ nw›hm nmR>d mMr ÏdÒWm H$È. ¡m_wio VwÂhmbm doioda no_|Q> H$aUo d AndmX AgÎmg nmhUo gmo rMo hmoB©b.

J. ewÎH$ AmU AmH$maUr d AQ>r d eVu mV H$mhr ~Xb PmÎmg AmÂhr VwÂhmbm H$idy. ghgm, (ÏmOXa d Zm_H$ AmdÌH$VoZwgma hmoUmao ~Xb gmoSy>Z) ~Xb ho H$_mZ EH$ _h›mMr nyd©gyMZm XoD$Z Ho$bo OmVmV. ~Xb _mgH$ ddaUnÃ qH$dm Àm¿m ‡Vbnrgh AmnÎmbm H$idbo OmVrb.

K. Ho$S>Q> H$mS>© YmaH$mMr WH$~mH$s Ho$S>Q> B›\$_eZ Hß$nZrbm H$id mnydu H$mS>©YmaH$mbm nwaogo AmYr Àm~‘b H$id mgh _ßS>imZo pÒdH•$V _m› Ho$bobr n’V AZwgÈ.

8.18 ÃÒW nj CÀnmXZo (WS>© nmQ>u ‡m∞S>ä Q>)

AmÂhmbm Oa ‡mYH•$V Ho$bo Jobo VaM \$ä V AmÂhr WS>© nmQ>u ‡m∞S>ä Q> Ogo Âw¿wAb \ß$S>, dr_m B. dH$ mgmR>r gwÈdmV H$È. ÃÒW nj AmW©H$ CÀnmXZmßMo dnUZ d dVaU H$a mgmR>r Am_¿mH$S>o Am_¿m _ßS>imZo pÒdH•$V Ho$bobo YmoaU Agob.

H$. Oa AmÂhr H$moUÀmhr JwßVdUyH$ / A∞goQ> ‡~ßYZ Hß$nZr qH$dm d_m Hß$nZrMo EOßQ> ÂhUyZ H$moUÀmhr ‡H$ma¿m JwßVdUyH$ moOZm Ogo Âw¿wAb \ß$S> qH$dm d_m XoV Agy Va VwÂhmbm ÀmMr _mhVr XoD$.

I. AmÂhr dH$V Agbobo gd© JwßVdUyH$ d d_m moOZm dV©_mZ Z_mßZwgma AgVrb mMr H$miOr KoD$.

J. VwÂhr OoÏhm Am_¿mH$Sy>Z ~±qH$J godm qH$dm CÀnmXZo ømb VoÏhm VwÂhr Am_¿mH$Sy>Z Àm ~XÎmV H$moUVohr ÃÒW nj CÀnmXZ ømdo Agm AmJh H$aUma Zmhr.

K. Am_¿mH$Sy>Z KoVboÎm H$Om©gmR>r VwÂhr R>odboÎm VmaUm gßXm©V VwÂhr R>amdH$ qH$dm ÀmM gßÒWoH$Sy>Z d_m N>Ã ømdo Agm AmJh AmÂhr H$aUma Zmhr. Oa AmÂhr EImXo d_m CÀnmXZ XoV Agy Va Vo nyU©nUo Eop¿N>H$ Agob. VwÂhr Vw_¿m B¿N>oZwgma H$moUÀmhr gßÒWoVyZ d_m KoD$ eH$Vm.

S>.AmÂhr R>amdH$ AßVamZo Ogo OmhamV / ZmoQ>rg ~moS>© / do~gmB©Q> darb _mhVr / _mhVrnÃH$mMo dVaU B. ¤mao Am_¿m emImßVyZ XÎm OmUmËm godmßMr _mhVr VwÂhmbm XoD$, \$ä V Oa VwÂhr Aer _mhVr Z Xo m gßXm©V dH$În Xbm Zgob Va.

M. Am_¿m emIoVyZ dH$Îm OmUmËm JwßVdUyH$ d d_m moOZm VwÂhmbm Am_Mo dYdV Ah©Vm ‡m· AYH$mar g_OmD$Z gmßJVrb mMr H$miOr KoD$.


N>. JwßVdUyH$ / d_m moOZm VwÂhmbm dH$ mnydu JmhH$mßgmR>rMo WmoMV _wÎmßH$Z H$a mMr AmÂhr XjVm KoD$.

O. Oa AmÂhmbm dÌdmg dmQ>bm H$s Vw_¿mgmR>r moΩ AmU CMV Amho VaM Vo CÀnmXZ VwÂhmbm dHy$.

P. EImXr godm ÒdrH$ma mMo boIr qH$dm AYH•$V Bboä Q¥>m∞ZH$ _m‹_m¤mao AmdÌH$ d°YVm (dYdV JmVm) Vw_¿mH$Sy>Z _imÎmdaM Àm godogmR>r Vw_¿mH$Sy>Z AmdÌH$ AO© d H$mJXnÃ KoD$.

Ã. AmÂhr XoD$ H$arV AgboÎm godo¿m ÒnÔ> AQ>r d eVu VwÂhmbm XoD$.

Q>. ddY CÀnmXZo dH$ mer gß~ßYV godoMo ewÎH$ ‡Xe©V Ho$bo AgVrb d VwÂhmbm _imbo AgVrb mMr H$miOr KoD$.

R>. moOZoZwgma AmdÌH$ gd© Am°nMm[aH$Vm (d°⁄H$s narjm YÈZ) nyU© PmÎmZßVa 30 Xdgmß¿m AmV ddaUnÃ / nm∞bgrMo H$mJXnÃ Vw_¿mH$S>o nmR>dbo OmVrb mMr H$miOr KoD$.

S>. eä VodT>r dH$s nÌMmV godm Ogo n’Vera JwßVdUyH$ moOZmß¿m hflÀmßMo (EgAmnr) Mo Ò_aUnÃ, ZdrZV_ ZÏdi _mb_Œmm _wÎ (EZEÏhr), nyU©VoMr VmarI, dÂm¿m hflÀmMr Xo VmarI B.

T>. VwÂhr KoVboÎm moOZm / CÀnmXZm¿m H$m©j_Vo ~‘bMr _mhVr R>amdH$ AßVamZo VwÂhmbm Xo mMr ÏdÒWm H$È.

U. Âw¿wA \ß$S>, d_m / BVa dŒmr Hß$n›mH$Sy>Z Àmß¿m CÀnmXZmMo _mH$qQ>J Ho$Îm_wio Oa H$mhr H$_reZ / ewÎH$ _imbo Agob, Va ÀmMr _mhVr XoD$.

8.19 Ho$S>Q> g_wnXoe (H$O© / nV gßXm©~m~V _mJ©Xe©Z) gwdYm

AmÂhr Ho$S>Q> g_wnXoe gwdYm Xo mMm ‡ÀZ H$Í$. OoWo hr gwdYm Cnb„Y Agob Àm H|$–m¿m emImß_‹o H$moUÀmhr ~±H$mßZr CmaboÎm g_wnXoe H|$–mMo nŒmo d doi B. ‡Xe©V H$È OoUoH$ÈZ VwÂhr hr godm KoD$ eH$mb.

8.20 AboI _idUo

AmnU dZßV Ho$Îmg d AajU H$mbmdYr_‹o AgÎmg Vw_¿m ÏdhmamMo H$mJXnÃ moΩ _yÎ ÈZ AmnUmg Cnb„Y H$ÈZ Xbo OmVrb.


9. emIm ~ßX H$aUo / emIoMr OmJm ~XbUo

H$. Oa AmÂhr EImXr emIm ~ßX H$aUma Agbmo qH$dm ÒWbmßVa H$aUma Agbmo qH$dm mnwT>o VwÂhmb ~±qH$J godm XoUo Aeä Pmbo Va AmÂhr VwÂhmbm-

i) Àm H|$–mV H$moUÀmhr ~±Ho$Mr EH$hr emIm Zgob, Va XmoZ _h›mßMr ZmoQ>rg XoD$.

ii) BVa gd© ~m~VrV EH$ _h›mMr ZmoQ>rg XoD$.

I. Oa AmÂhr emIoMo ÒWbmßVa H$aUma Agy Va emIoMm ZdrZ nŒmm nyU© Vnerbmgh XoD$.

J. emIo¿m H$m_H$mOm¿m doimV H$mhr ~Xb Ho$bm Va Vgo VwÂhmbm H$idy.

10. AmW©H$ g_mdoe (\$mBZmp›eb BZä ÎwOZ)

H$. H$_mZ ~MVrMr AQ> Z R>odVm AmÂhr ""‡mW_H$ ~MV ~±H$ R>od ImVo'' (~rEg~rS>r ImVo) Cnb„Y H$Í$Z XoD$; _mÃ mgmR>r maVr [aPÏh© ~±Ho$Zo doimodoir ~±H$ ImVo CKS> mgmR>r Omar Ho$boÎm Vw_¿m JmhH$mbm AmoiIm (Ho$dmgr) AmU A±Q>r _Zr bm∞p›S¥>®J H$mim n°gm emoYUo (EE_Eb) gmaªm gyMZmßMo nmbZ H$amdo bmJob. AmÂhr H$_mZ gm_m› gwdYm Ogo Z:ewÎH$ EQ>rE_ H$mS>© qH$dm EQ>rE_-H$_-S>o~Q> H$mS>© XoD$ d ÀmßMr _mhVr XoD$. ImVo CKS>VmZm hr gd© gß~ßYV _mhVr nmaXeunUo gmßJy.

I. AJXr gmoflm Ho$boÎm Ho$dmgr (Vw_Mm JmhH$ OmUm) n’VZwgma AmÂhr Ago ImVo CKSy>Z Xo mMr gwdYm XoD$. VWmn, hr ImVr AV[a∫$nUo ""bhmZ ImVr'' ÂhUyZ _mZbr OmVrb AmU ÀmgmR>r bmJy Agbobo ‡V~ßY ÒWmZH$

mfoV d VwÂhmbm ghO g_Oob Aem n’VrZo gmßJVbo OmVrb.

J. ‡mW_H$ ~MV ~±H$ R>od ImVo (~rEg~rS>r ImVo) CKS> mgmR>r¿m AmdÌH$Vm d ""bhmZ ImVr'' CKS> mgmR>r gmoflm Ho$dmgr n’VrImbr AmdÌH$ H$mJXnÃmMr mXr ¤mfr / Ãmfr Í$nmV gd© emImß_‹o _hÀdm¿m OmJr ‡Xe©V H$È.

K. Am_¿m H$_©MmËmß_‹o deofV: H$mCßQ>adarb H$_©MmËmß_‹o OmJÈH$Vm Z_m©U Ïhmdr ÂhUyZ ‡ejUmgh BVa AmdÌH$ nmdbo CMby.

S>. ImVo Mmby R>od mgmR>r EH$m _h›mV R>amdH$ doimM n°go H$mT>Uo, gm_m› Ho$S>Q> H$mS>© d Bboä Q¥>m∞ZH$ _m‹_mZo am¡ d H|$– gaH$maH$Sy>Z Vw_¿m ImÀmV n°go AßV[aV hmoUo B. gm_m› ~±qH$J gwdYm AmÂhr VwÂhmbm Z:ewÎH$ Cnb„Y H$Í$Z XoD$.


M.Vw_Mr B¿N>m AgÎmg Z:ewÎH$ qH$dm Iyn H$_r ewÎH$ KoD$Z JwUdY©V godm XoD$. ÀmgmR>r VwÂhmbm g_Oob Aem mfoV AJmoXa g_OmdyZ gmßJy.

N>. Oa godm Ïdhma qH$dm ewÎH$ m_‹o H$mhr ~Xb H$aUma Agy Va Vo bmJy hmo mnydu ZXmZ EH$ _hZm AmYr VwÂhmbm H$idy.

O. ho ~Xb VwÂhmbm gmo r¿m _m‹_m¤mao H$idy Ogo emIoVrb ZmoQ>rg ~moS>©, qH$dm ÏmdgmH$ ‡VZYr (~PrZog H$m∞aÒnm∞S>›Q>) qH$dm nÃ B.

P. OoWo Am_Mr emIm Zgob, VoWo maVr [aPÏh© ~±Ho$¿m nWXeu _mJ©Xe©H$ gyMZmZwgma ImVo CKS>Uo, R>odr R>odUo, aä H$_ d Ïdhmamß¿m gßªo¿m _m©XoZwgma n°go H$mT>Uo, eÎbH$ nhmUo B. d EH$m R>H$mUmhZ XgarH$S>o n°go AßV[aV H$aUo B. godmßgmR>r ÏmdgmH$ ‡VZYr (~PrZog H$m∞aÒnm∞S>›Q>) (~r.gr.)/ÏmdgmH$ gwbH$maH$ ‡VZYr (~PrZog \∞$gbQ>oQ>a) (~r.E\$.) Zo_ mMm ‡ÀZ H$È.

Ã. AmÂhr _mo~mB©b ~±qH$J godm Xo mMmhr ‡ÀZ H$È.

Q>. VgoM _mo~mB©b \$moZ, B©grEg, EZB©E\$Q>r gmaªm Bboä Q¥>m∞ZH$ _m‹_o B. ¤mao n°go nmR>d m¿m BVa gwdYm Xo mMm ‡ÀZ H$È.

R>. ~rgr / ~rE\$ ¿m H•$V d AH•$V gmR>r AmÂhr O~m~Xma Agy AmU Àmß¿m dÈ’ Zm|XboÎm H$moUÀmhr VH$marMm Vnmg H$È.

S>. JaO nS>Îmg AmÂhr VwÂhmbm nadS>UmËm qH$_VrV H$O© gwdYm XoD$. ¡mß¿m AQ>r d eVu VwÂhr H$Om©gmR>r AO© H$amb VoÏhm VwÂhmbm gmßJy.

T>. Am_¿mH$S>o AgboÎm ddY H$O© moOZm VwÂhmbm gmßJy ¡mV nwT>rb JmoÔ>tMm AßVm©d Agob. Ogo Vw_¿m H$Om©¿m AOm©da dMma H$a mgmR>r ~±Ho$bm AmdÌH$ AgUmar H$_mZ _mhVr. Aem H$Om™Zm bmJy hmoUmËm _hÀdm¿m AQ>r d eVu, ~±Ho$H$S>o R>odbo OmUmao VmaU, ÏmOXa bmJy H$a mMr n’V d H$mi, naV\o$S>rMr n’V B.

U. È. EH$ bmIm n™V¿m H$Om©gmR>r XÊ_ (H$mob∞Q>ab) VmaU AmÂhr _mJUma Zmhr (gy _ d bKw C⁄moOH$mßgmR>rMo (E_EgB©) H$O© gmoSy>Z OoWo Àmß¿mgmR>r XÊ_ VmaU_wä V H$O© _m©Xm È. 10 bmI Amho).

V. Am_¿m H$Sy>Z KoVboÎm H$Om©gßXm©V VwÂhmbm H$mhr AmW©H$ AS>MUr AgÎm Va AmÂhr ghmZw yVrnyd©H$ d gH$mamÀ_H$VoZo Àmda dMma H$È.


W. da CÎboI Ho$boÎm AmnÎm AmW©H$ AS>MUrVyZ ~mhoa o mgmR>r Am_¿mH$Sy>Z _XV Ko mgmR>r VwÂhr ¡m AmW©H$ AS>MUtZm Vm|S> XoV AmhmV, Àm AmÂhmbm gmßJVÎm nmhOoV.

X. VwÂhmbm AS>MUrVyZ ~mhoa H$mT> mgmR>r AmÂhr Vw_Mr B¿N>m AgÎmg [aÏhmÏhb (nwZÈÇ mrdZ) n∞Ho$O XoD$ Oa Ago n∞Ho$O XmoKmß¿mhr hVm¿m —Ô>rZo dMma H$a mmoΩ dmQ>V Agob Va.

Y. gm_m› ~±qH$J emIo_‹o qH$dm XgËm _mJm©Zo ÂhUOo B›\$_eZ AmU H$ÂwZHo$eZ Q>oä Zm∞bm∞Or (AmgrQ>r-_mhVr d gßdmX VßÃkmZ) moΩ ‚b∞Q>\$m∞_©Mm dmna H$È ~±H$ ImVoXmamßZr ImVo H$go dmnamdo m~‘b ÀmßZm ejU XoD$ d _mJ©Xe©Z H$È.

Z. JmhH$mßZm ejV H$a mgmR>r AmÂhr AmW©H$ gmjaVm H$m©H$_ Mmbdy.

n. b JQ>mbm ghmJr H$Í$Z bhmZ ehao d Jmdmß_‹o AmW©H$ g_mdoe dmT>d mgmR>r e~ao, ÒQ>m∞b d Q>mD$Z hm∞b H$m©H$_ AmmoOV H$È.

\$. nyU© XoemV d deofV: ~±Ho$_‹o AmW©H$ g_mdoeZmMo ‡ÀZ ÏhmdoV ÂhUyZ Am_¿m gd© ÒVamd[ab H$_©MmËmßZm ejV H$a mgmR>r ßÃUm am~dy.

~. ~±H$dahV joÃm_‹o AmW©H$ g_mdoeZ moOZm Mmby Ho$br Amho VoWo ~±Ho$Mo ‡ÀZ nyU©Àdmg Omdo ÂhUyZ ~±Ho$¿m AYH$mËmßZr Z_V / Zoh_r oQ>r Xo mMr n’V AmÂhr gwÈ H$È.

. Vw_¿m VH$mar AgVrb Va Àm_‹o Vm~S>Vmo~ bj Xo mMm ‡ÀZ H$È d bdH$amV bdH$a ÀmßMo ZagZ H$È.

_. Oa VwÂhmbm ~±H$ qH$dm ÀmßMo ~rgr / ~rE\$ mß¿m dÈ’ JmËhmUo / VH$ma Agob Va VH$ma H$amMr n’V H$m AmU ~±Ho$V VH$ma ZdmaUmMr ßÃUm H$m Amho, VgoM Vw_¿m VH$marMo ~±Ho$H$Sy>Z ZdmaU Pmbo Zmhr qH$dm Vw_Mo g_mYmZ Pmbo Zmhr Va ~±qH$J bmoH$nmb moOZo dfr gmßJy.

. AmW©H$ g_mdoeZ H$m©H$_mMr AmÂhr anya ‡g’ H$È AmU JmhH$mßZm ddY CÀnmXZo d godmßdfr _mhVr XoD$.


11. Oo> ZmJ[aH$ d AnßJ Ïpä V

H$.Am_Mo deof JmhH$ Ogo Oo> Ïpä V, AnßJ d AejV bmoH$mßZm Am_¿mer ~±H$ Ïdhma H$a mg gmono d gmo rÒH$a Omdo ÂhUyZ AmÂhr nyU© ‡ÀZ H$È. Aem AO©Xma d JmhH$mßZm gmo rÒH$a YmoaU, CÀnmXZo d godmßMm mV g_mdoe Agob.

I. VwÂhmbm ~±qH$J godm _i mV gwYmaUm hmoB©b Aem ‡Umbr d n’V Vma H$a mMm ‡ÀZ H$È.

J. Am_¿m emIm d EQ>rE_ _‹o ‡Àj ‡doemgmR>r aÒVo Vw_¿mgmR>r gwb d gmo rMo ~Zd mMm ‡ÀZ H$È.

K. Vw_¿mer gßdmX gmYUmËm Am_¿m H$_©MmËmßZm Vw_Mo ~±qH$J Ïdhma H$aVmZm VwÂhmbm _XV H$a mgmR>r ‡moÀgmhZ XoD$.

S>. m gßhVo_‹o XboÎm BVa gd© ~mßYrbH$s edm -

i) AmÂhr AmnÎmbm WmoMV AJH$_ XoD$. ~±qH$J Ïdhma d VH$ma ZdmaU m_‹o d° pä VH$ godm Xo mMm ‡ÀZ H$È.

ii) ~±qH$J hm∞b_‹o ~g mMr gwdYm Xo mMm ‡ÀZ H$È.

iii) EH$ IS>H$s n’V¤mao VwÂhmbm Am_¿m godm Xo mMm ‡ÀZ H$È.

iv) VwÂhr ZpÌMV Ho$boÎm _m©Xon™V, VwÂhr ‡mYH•$V Ho$boÎm Ïpä Vbm ÀmZo ‡mYH$ma nÃ d nmg~wH$ gmXa Ho$bo Va n°go H$mT> mMr nadmZJr XoD$.

v) deof n[apÒWVr_‹o Ogo AmOmanU, emIo_‹o ‡Àj oD$ Z eH$Uo B. doir Kar godm (S>moAaÒQ>on ~±qH$J) Xo mMm ‡ÀZ H$È (Ogo aä H$_ ÒdrH$maUo / ImÀm_‹o MoH$ / S>rS>r B. O_m H$aUo qH$dm aä H$_ nmoMdUo / MoH$¿m ~XÎmV S>rS>r XoUo / boIr _mJUr)

vi) Zd•ŒmdoVZYmaH$mßZm Àmß¿m ImÀmV O_m hmoUmËm Zd•ŒmdoVZm¿m aH$_oMo ddaU Agbobr no›eZ Òbrn XoD$.

vii) deof n[apÒWVrV Zd•ŒmdoVZ Vw_¿m Kar Xo mMm ‡ÀZ H$È.

viii) Zd•ŒmdoVZYmaH$mßZr gmXa H$aUo AZdm© Agbobo OrdZ ‡_mUnÃ Am_¿m ~±Ho$¿m H$moUÀmhr emIoV ÒdrH$mÈ.


ix) Am∞Q>P_, goao~b nmÎgr, _|Q>b [aQ>mS>eZ AmU ~hAnßJÀd AgboÎm Ïpä V®¿m ZmVodmB©H$ / nmbH$mßZm amÔ¥>r dÌdÒV AYZ_ 1999 Imbr H$mXoera nmbH$ H$gm Zwä V H$amdm mMo _mJ©Xe©Z H$È ÂhUOo Vmo Aem Ïpä V®Mo ImVo CKSy> eHo$b d Mmbdy eHo$b.

x) H$moUVmhr oXmd Z H$aVm AßY Ïpä V®Zm gd© ~±qH$J gwdYm Ogo MoH$ ~wH$, EQ>rE_, ZoQ> ~±qH$H$, bm∞H$a, \w$Q>H$i H$O©, Ho$S>Q> H$mS>© B. gagH$Q> XÎm OmVrb mMr H$miOr KoD$.

xi) ddY ~±qH$J gwdYmßMm bm KoVm mdm ÂhUyZ AßY Ïpä V®Zm AmÂhr eä VodT>r _XV H$È.

xii) AmÂhr Z_VnUo ~°R>H$m AmmoOV H$a mMm ‡ÀZ H$È, ÂhUOo VwÂhmbm Vw_Mo ÂhUUo gmßJVm oB©b d EH$ÃV AZw dmMm \$mXm hmoB©b.


12. Vw_¿m ImÀmMr gwajm

12.1 gwajV d ImÃrera ~±qH$J d no_|Q> gÒQ>r_

H$. VwÂhr dÌdmg R>odmdm Aem gwajV d ImÃrera no_|Q> gÒQ>r_Mm bm KoD$ eH$mb, mgmR>r AmÂhr nyU© ‡ÀZ H$È.

I. gwajm ÏdÒWoMm EH$ mJ ÂhUyZ AmÂhr OoWo Ïdhm© Agob VoWo grgrQ>rÏhr bmdy KoD$ ¡m_wio moΩ bj R>odbo OmB©b.

12.2 AmÂhr ÒdV:bm A⁄mdV R>ody

H$.Vw_Mo Zmd, nŒmm, Q>obr\$moZ H$. d B©-_ob A∞S¥>og Am_¿mH$S>o Zm|Xdbm JoÎmMr ImÃr H$ÈZ øm, ÂhUOo VwÂhmbm AmÂhr AmdÌH$ AbQ>© nmR>dy eHy$.

I.Zmd, nŒmm, Q>ob\$moZ, H$_mßH$, B©-_ob A∞S¥>og (m¤mao AmÂhr Vw_¿mer gßdmX gmYVmo) m_‹o ~Xb Ho$Îm~amo~a AmÂhmbm Vm~S>Vmo~ H$id mMr VgXr ømdr.

12.3 Vw_Mo ImVo VnmgUo (bj R>odUo)

H$.AmÂhr VwÂhmbm gwMdVmo H$s VwÂhr Vw_Mo ddaUnÃ qH$dm nmg~wH$ Zoh_r VnmgV Om d Oa EImXr Zm|X VwÂhmbm MwH$sMr dmQ>br Va eä Vmo bJoM AmÂhmbm H$idm ÂhUOo AmÂhr Vr VnmgyZ nmh, ‡Àj Zmdo (S>maoä Q> S>o~Q>) AmU ÒWmr AmXoe Zoh_r VnmgV amhÎm_wio Vw_Mo n°go VwÂhmbm nmhOo VoWoM JoÎmMr ImÃr nQ>ob.

I.Oa Vw_¿m ImÀmVrb EIm⁄m ÏdhmamMr Mm°H$er H$a mMr AmÂhmbm JaO dmQ>br Va Am_¿mer d Oa AmÂhmbm AmdÌH$Vm dmQ>br Va nmobrg / BVa VnmgUr EO›grer ghH$m© Ho$bo nmhOo.

12.4 H$miOr KoUo

Vw_Mo ImVo gwajV R>odUo d R>H$~mOr / KmoQ>mim Q>mi mg _XV H$a mgmR>r Vw_Mo MoH$, nmg~wH$ d BVa gwajm _mhVr mßMr H$miOr KoUo JaOoMo Amho. mgmR>r H•$nm Imbrb gyMZm nmim.

H$. ho H$È ZH$m :

i) Vw_Mo MoH$~wH$ d H$mS>© EH$Ã R>odUo

ii) H$moao MoH$ ghr H$ÈZ R>odUo

iii) BVa H$moUmbm Vw_¿m ImÀmMr _mhVr, nmgdS>© qH$dm BVa gwajm _mhVr XoUo.


I.Vw_¿m H$mS>© / MoH$~wH$Mm J°admna Q>mi mgmR>r H$m H$amdo ho AmÂhr VwÂhmbm gmßJy.

J. Oa Vw_Mo MoH$~wH$, nmg~wH$ qH$dm EQ>rE_ / S>o~Q> H$mS>© hadbo qH$dm Mmoar Pmbr Agob qH$dm BVa H$moUmbm Vw_Mm AmoiIH$_mßH$ qH$dm BVa gwajV _mhVr H$ibr Agob Aem n[apÒWVrV AmÂhmbm H$idÎmda AmÂhr ÀmßMm J°admna amoI mgmR>r Vm~S>Vmo~ nmdbo CMby. nZ / nmgdS>© (nadbrMm e„X) H$moUmbm H$iÎmg VwÂhr Vmo Vm~S>Vmo~ ~XbUo JaOoMo Amho.

K.Oa VwÂhmbm Agm gße qH$dm ImÃr Agob H$s Vw_Mo MoH$~wH$, nmg~wH$, H$mS>© hadbo Amho qH$dm Mmoabo Amho qH$dm BVa H$moUmbm Vw_Mm AmoiI H$_mßH$, nmgdS>© qH$dm BVa gwajV _mhVr H$ibr Amho Va VwÂhr Vo AmÂhmbm Vm~S>Vmo~ H$idUo AmdÌH$ Amho.

S>.Vw_Mo ZwH$gmZ VwÂhr Am_¿m 24 Vmg Q>mob \$s Zß~ada gmßJy eH$Vm AmU Ver boIr nwÔ>r Vm~S>Vmo~ nmR>dy eH$Vm qH$dm Am_¿m B©-_ob nŒmda H$idy eH$Vm.

M.AmÂhmbm gyMV H$ao n™V¿m doioV Oa H$mhr J°admna Pmbm Va Àmbm VwÂhr O~m~Xma Agmb.

12.5 ‡XmZ (no_|Q>) a‘ H$aUo

H$.MoH$Mo ‡XmZ Wmß~d mgmR>r qH$dm Xbobr ÒWmr gyMZm qH$dm naÒna ImVr Zm|X a‘ H$a mgmR>r AmÂhmbm boIr H$idm.

I.Vw_¿mH$Sy>Z H$moUVmhr AmXoe _mJo Ko mMr gyMZm AmÂhr ÒdrH$mÍ$. ÀmgmR>r bmmWu / ‡moä V gßÒWm (~oZo\$ear / wOa Bp›ÒQ>Q>ÁyQ>) H$Sy>Z nyd© _m›Vm / gß_V Ko mMr AmdÌH$Vm Zmhr.

J. Oa ‡XmZ a‘ H$a mMm Vw_Mm ZU© VwÂhr AmÂhmbm gyMV Ho$bm Zmhr Va ‡XmZo a‘ H$aUo eä hmoUma Zmhr.

K.Ho$S>Q> H$mS>©Mr ‡XmZo a‘ H$aUo hr Àm¿m AQ>r d eVu¿m AYrZ AgVrb.

12.6 ZwH$gmZrMr O~m~Xmar

Oa VwÂhr A\$amV\$a Ho$brV Va Vw_¿m ImÀmMo hmoUmao gd© ZwH$gmZ hr Vw_Mr O~m~Xmar Agob. Oa VwÂhr moΩ H$miOr KoVbr Zmhr d Àm_wio Vw_Mo ZwH$gmZ Pmbo Va Àmbmhr VwÂhrM O~m~Xma Agmb.


n[aeÔ> - ÒnÔ>rH$aUH$moe

gXa Ïmªm H$moS>_‹o AmboÎm e„XmßMo AW© d AQ>r mßMr _mhVr XoVo. Vo H$mXoera H$ßdm VmßÃH$ ZmhrV.

EQ>rE_ (Automated Teller Machine)

EQ>rE_ _eZ¤mao JmhH$ ÀmMo nZ (PIN) AmoiIH$_mßH$ dmnÈZ n°go H$mT>Uo, BVa _mhVr d BVa godm _idy eH$Vmo.

~±qH$J bmoH$nmb

EH$ ÒdVßÃnUo dmX ZdmaU H$aUmar ‡mYH•$V gßÒWm, Or [aPÏh© ~±Ho$Zo Ïpä V AmU N>moQ>Ám gßÒWmßZm Àmß¿m ~±H$mer hmoUmËm dmXmVyZ VmoS>Jm H$mT> mgmR>r Z_m©U Ho$br Amho.

H$mS>©

EH$ flb∞pÒQ>H$Mo H$mS>©, Oo JmhH$ dÒVy AmU godmßMm _mo~Xbm Xo mgmR>r qH$dm n°go H$mT> mgmR>r dmnaVmo. m gßHo$V gßhVo_‹o S>o~Q>, Ho$S>Q>, Ò_mQ>© d EQ>rE_ H$mS>©Mm g_mdoe Ho$bm Amho.

Ho$S>Q> H$mS>©

Ho$S>Q> H$mS>© ho Ho$S>Q> gwdYm _iUmao flb∞pÒQ>H$Mo H$mS>©. mZo VwÂhr gm_mZ d godmßMo ~bo XoD$ eH$Vm qH$dm n°go H$mTy> eH$Vm.

MoH$ dgyar H$a mMo YmoaU

doJdoJm ÒWmZH$ d ~mhoaJmd¿m ~±H$mßMo MoH$ d nr.Amo./S>r.S>r. B. Àm Àm ImÀmV O_m H$a mgmR>r ~±H$m_‹o O_m Ho$b OmVmV. m ¤mao Imbrb H$m_o Ho$br OmVmV.

∑MoH$ dH$V Ko mMr dZßVr

∑ MoH$ O_m H$a mgmR>r doioMr _m©Xm

∑MoH$ O_m H$a mg dbß~ PmÎmg ÏmO XoUo

∑ ÒWmZH$ d ~mhoaJmdMm MoH$ Vm~S>Vmo~ O_m H$aUo

∑ MoH$ / B›ÒQÆ>_|Q>g≤ gßH$_Um XaÂmZ hadÎmg d Vmo O_m H$a mgmR>r bmJUmam AmH$ma

JmhH$

¡mMo ~±Ho$V ImVo Amho Aer Ïpä V (¡m_‹o XgËm Ïpä V~amo~a gß wä V ImVo qH$dm _•ÀwnÃ ÏdÒWmnH$ qH$dm dÌdÒV qH$dm h›X Adä V Hw$Qw>ß~mMm H$Vm© ÂhUyZ ImVo mßMm g_mdoe hmoVmo. naßVw EH$Q>m Ïmnmar / ‡mo‡mQ>aern, mJrXmar, Hß$n›m, ä b~ AmU gmogmQ>r mßMm g_mdoe hmoV Zhr) qH$dm Oo ~±Ho$Mr BVa CÀnmXZo / godm

mßMm dmna H$aVmV.


Mmby ImVo

hm EH$ _mJUrZwgma R>odrMm ‡H$ma Amho. AWm©V Àm ImÀmVrb eÎbH$ aH$_oda AmYm[aV qH$dm R>amdH$ aä H$_ H$Vrhr doim H$mT>Vm oVo.

_•V Ïpä VMo ImVo

¡m R>od ImÀmMm ImVoXma _•V Pmbm Agob qH$dm gß wä V ImÀmMm EH$ qH$dm AYH$ ImVoXma _•V Pmbo AgVrb Ago ImVo _•V Ïpä VMo ImVo _mZbo OmVo.

S>r_∞Q> ImVo

S>r_∞Q> ImVo ÂhUOo S>r_Q>o[abmB©¡S> ImVo, ¡m_‹o JwßVdUyH$XmamMo amoIo Bboä Q¥>m∞ZH$ _m‹_m_‹o AgVmV.

R>od ImVo

∑ ~MV ImVo - R>amdH$ H$mim_‹o n°go H$mT> mMr aH$_oZwgma d doioZwgma _m©Xm Agbobo _mJUr R>od Amho.

∑ _wXV R>od - ÂhUOo R>amdH$ H$mimgmR>r ~±Ho$_‹o R>odbobr R>od Or _wXV gßnÎmZßVaM H$mT>Vm oVo. m_‹o nwZamdVu R>od / XflnQ> bm R>od / H$_r H$mimgmR>r R>od / ZpÌMV R>od / _mgH$ CÀnfi ‡_mUnÃ / Ã°_mgH$ CÀnfi ‡_mUnÃ B. Mm g_mdoe hmoVmo.

∑ ZmoQ>rg R>od - ÂhUOo R>amdH$ H$mimgmR>r R>odbobr _wXV R>od, nU EH$ nyU© ~±qH$J XdgmMr ZmoQ>rg XoD$Z hr R>od H$mTy>Z KoVm oVo.

Bpä dQ>r

Bpä dQ>r ÂhUOo H$m∞nmaoQ> gßÒWo¿m mßS>dbmMm mJ, Omo Hß$nZrMo eoAg© ÂhUyZ dmÒVdH$ qH$dm S>r_Q>o[abmB¡S> ÒdÈnmV AgVmo.

Bboä Q¥>m∞ZH$ pä bA[a®J gpÏh©g (B©grEg)

g_memoYZ H|$–mMr godm dmnÈZ EH$m ~±H$ ImÀmVyZ XgËm ~±H$ ImÀm_‹o Bboä Q¥>m∞ZH$ _m‹_mZo n°go nmR>d mMr gmo .

ZpÌMV ÏmOXa

H$Om©darb ZpÌMV Ho$bobm ÏmOXa ÂhUOo H$Om©¿m nyU© H$mbmdYrgmR>r ZpÌMV Ho$bobm Xa AWdm AQ>r d eVuZwgma Vmo nhÎm H$mhr dfm©ZßVa nw›hm ~XbyZ KoVm oVmo.


VaßJVm ÏmOXa

H$Om©darb VaßJVm (~XbVm ÏmOXa) ÂhUOo Agm ÏmOXa Omo ZpÌMV Ho$bobm Zmhr naßVw gßX© Xamer gß~ßYV Amho, d H$Om©¿m AQ>r d eVuZwgma gßX© XamV Oa ~Xb hmoVrb Àm‡_mUo doJdoJim Agob.

h_r

Ïpä VZo Xbobo dMZ

gaH$mar amoIo

gaH$maZo gmd©OZH$ H$O© Co H$a mgmR>r Z_m©U Ho$bobr d Omar Ho$bobr ‡VyV qH$dm amoIo

gw· qH$dm A‡dVu ImVo

¡m_‹o ZXmZ XmoZ dfm© nmgyZ EH$hr Ïdhma Pmbobm Zmhr Ago ~MV qH$dm Mmby ImVo.

_ob

dmÒVdH$ qH$dm Bboä Q¥>m∞ZH$ _m‹_mVrb nÃ

EZB©E\$Q>r

Z∞eZb Bboä Q¥>m∞ZH$ \ß$S> Q¥>m›g\$a (EZB©E\$Q>r) n’Vr hr amÔ¥>r ÒWamdarb n°go nmR>d mMr n’Vr Amho. ¡m¤mao XoemVrb EH$m ~±H$ emIoVyZ XgËm ~±H$ emIoV H$moR>ohr n°go nmR>dVm oVmV.

Zm_ZXeZmMr gmo / gwdYm

Zm_ZXeZm¿m gwdYo_wio ~±H$ ho H$È eH$Vo : ImVoXmam¿m _•Àw ZßVa Àm¿m ImÀmV O_m Agbobr aä H$_ ÀmZo Zm_ZXeV Ho$boÎm Ïpä Vbm XoVm oVo. ImVoXmamZo Àm¿m gwajm H$jmV R>odboÎm dÒVy Àm¿m _•Àw nÌMmV Zm_ZXeV Ïpä Vbm naV H$aVm oVmV. ImVoXmamZo ~±Ho$Mm bm∞H$a mS>ÁmZo KoVbobm AgÎmg ÀmVrb dÒVy Zm_ZXeV Ïpä Vbm XoVm oVmV.

VmarI CbQ>bobm (ÒQ>ob) MoH$

MoH$ Omar Ho$ÎmZßVa VrZ _h›mßZr O_m H$a mgmR>r Xbobm MoH$

n∞Z (PAN)

d° pä VH$ ImVo H$_mßH$ (PAN) AmH$a dmJmZo Xbobm Xhm Ajao d AßH$ _iyZ Vma Ho$bobm H$_mßH$ Omo nyU© maVm_‹o doJim (wZH$) H$_mßH$ AgVmo. hm H$_mßH$ b∞_ZoQ>oS> H$mS>©¤mao Xbobm AgVmo. hm H$m_ÒdÍ$nr H$_mßH$ AgyZ H$aXmÀm¿m ahdmgm¿m nÌMmV ~Xb Pmbm ÂhUyZ qH$dm H$_mßH$ XoUmam AYH$mar ~Xbbm ÂhUyZ Vmo ~Xbbm OmUma Zmhr.


nmgdS>©

Ajao qH$dm AßH$ qH$dm Ajao d AßH$ gß w∫$nUo, Oo JmhH$mZo ZdS>bo Agob Agm EH$ H$moS>, ¡m_wio Àmbm \$moZ qH$dm BßQ>aZoQ> ~±qH$J godm dmnaVm oVo, nmgdS>© AmoiI nQ>d mgmR>r gw’m dmnabm OmVmo.

nZ (PAN) d° pä VH$ AmoiI H$_mßH$

hm JmonZr H$_mßH$ AgyZ H$mS>m©gh hm H$_mßH$ dmnÍ$Z JmhH$ dÒVy / godmßMm _mo~Xbm XoD$ eH$Vmo, n°go H$mTy> eH$Vmo AmU ~±Ho$Zo XoD$ Ho$boÎm BVa Bboä Q¥>m∞ZH$ godmßMm dmna H$È eH$Vmo.

AmaQ>rOrEg (RTGS)

AmaQ>rOrEg ÂhUOo [ab Q>mB©b Jm∞g goQ>b_|Q>. ~±H$mß¤mao ZYr nmR>d mMr hr gdm©V ObX n’V Amho. AmaQ>rOrEg _‹o EH$mg EH$ Agm Ïdhma hmoVmo. ¡mbm Jm∞g goQ>b_|Q> Ago ÂhUVmV d [ab Q>mB©_ ÂhUOo dmQ> Z nhmVm Vm~S>Vmo~.

ao\$a›g aoQ> - gßX© Xa

hm ~±H$mßMm ~|M_mH©$ Xa AgVmo. ~XbÀm Xamda AmYm[aV Oo H$O© _ßOya Ho$bo OmVo ÀmgmR>r gßX©Xa bmJy hmoVmo. ‡ÀoH$ ~±H$ Àmß¿m ZrVrZwgma gßX© Xa R>adVo qH$dm ~XbV AgVo.

¡o> ZmJ[aH$

60 df© dmnojm OmÒV dmMr Ïpä V ¡o> ZmJ[aH$ AgVo.

Ò_mQ>© H$mS>©

Ò_mQ>© H$mS>© ho Ho$S>Q> H$mS>©¿m AmH$mamMo flb∞pÒQ>H$Mo H$mS>© AgVo ¡m_‹o _mH$moMn KmVbobr AgVo, O¿m_wio _mhVr ‡mogog hmoVo. Ò_mQ>© H$mS>©_wio _mhVrMr gmR>dU, AmoiI d AYH•$VVm gwajV ahmVo. ho H$mS>© Q>ob\$moZ H$m∞b H$a mgmR>r, Bboä Q¥>m∞ZH$ n’VrZo n°go Xo mgmR>r d BVa JaOmßgmR>r dmnaVm oVo.

Q>o[a\$ eoS>Áwb

~±H$ AmnÎm JmhH$mßZm Àmß¿m CÀnmXZo d godmßgmR>r Oo ewÎH$ / AmH$ma bmdVo ÀmMr _mhVr eoS>Áwb_‹o Xbobr AgVo.

AZnoS> (AXŒm) MoH$

~±Ho$H$Sy>Z "AZnoS>' (MwH$Vm Z Ho$bobm) ÂhUyZ naV Ambobm MoH$.

m gßhVoMr Z_©Vr ~±qH$J H$moS> d _mZH$ ~moS>© (~rgrEg~rAm) ¤mao maVr [aPÏh© ~±H$, BßS>Z ~±ä g AgmogEeZ (maVr ~±H$ gßK) d gmgX ~±H$mß¿m ghmoJmZo Ho$br Amho. m gß[hVoMm _wª C‘oe MmßJÎm d ZÓnj ~±qH$J ‡H$oMm ‡H$ma, H$_mZ XOm© ZpÌMV H$aUo, nmaXe©Vm dmT>dUo, C¿MVa n[aMmbZ XOm© _idUo AmU Àmhr nojm MmßJbo ~±H$a - JmhH$ gß~ßY dmT>dUo hm Amho, ¡m_wio gm_m› _mUgmMm ~±qH$J ‡Umbr _‹o dÌdmg H$m_ amhrb.

~rgrEg~rAmMr ÒWmnZm \o$~wdmar 2006 _‹o ÒdVßÃ gßÒWm ÂhUyZ Ho$br Jobr d ÀmMm C‘oe ~±H$mßZr ÒdrH$maboÎm ~±qH$J H$moS> d _mZH$mMo AZwnmbZ ~±H$m JmhH$mßZm godm XoV AgVmZm moΩ ‡H$mao H$arV AmhoV mda bj R>odUo d ZpÌMV H$aUo hm hmoVm.

~rgrEg~rAmZo XmoZ ‡H$ma¿m gßhVm ~ZdÎm AmhoV - JmhH$mß‡V

~±H$mß¿m ~mßYbH$sMr gßhVm AmU gw _ d bKw C⁄moJmßgmR>r ~±H$mß¿m

~mßYbH$sMr gßhVm. ~rgrEg~rAm¿m gmgX ~±H$m ¡mV AZwgyMV

dmU¡ ~±H$m, ehar ghH$mar ~±H$m AmU joÃr Jm_rU ~±H$mßMm g_mdoe Amho, mßZr hr gßhVm ÒdrH$mabr Amho.

~rgrEg~rAm Amnbr AH$ÎnZm (S>OmBZ) d AYXoemZwgma VH$ma ZdmaU \$moa_ Zmhr. VWmn ~rgrEg~rAm ~±H$mßMr YmoaUo, H$m_mMr n’V AmU ‡H$oVrb H$_VaVo gß~ßYr ‡Umbr _‹o (Oa H$mhr) H$_VaVm Agob Va Vr emoY m¿m —Ô>rZo VH$mar H$S>o nmhVo AmU Vr Xa H$a mgmR>r H$madmB© H$aVo.

~rgrEg~rAm ~‘b AYH$ _mhVrgmR>r H•$nm www.bcsbi.org.in

do~gmB©Q> nhmdr.hr


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