Dil E Sindh 1st Sept 2019

v'kksdfogkj esa
HkO;'kksHkk;k=k lqfg.kkjLrkgqvklt;y]T;ksfrlkfgcT;wacfju
Jh >wysyky pkyhgk egksRlo ds
lekiu ij foxr 25 vxLr dks Jh
>wysyky eafnj v'kksd fogkj esa lk/q
csyk ds larksa Lokeh xkSjh'kadjnkl th
o HkkbZ ij;ynkl ds ikou lkfuUè;
esa HkO; 'kksHkk ;k=kk fudkyh xbZA
bl volj ij eq[; vfrfFk MkW- jktw
oh- euokuh (vUrjkZ"Vªh; vè;{k
VSSS) us 'kksHkk;k=kk dk mn~?kkVu
fd;kA 'kksHkk;k=kk vè;{k y[ehpan
edjkuh] lq'khy dkdokuh] fouksn
usuokuh] jkts'k jksfgM+k us JhiQy
rksM+dj esys dk mn~?kkVu fd;kA
'kksHkk;k=kk us 2 fdyksehVj dk jkLrk
yxHkx 5 ?k.Vs ds vUrjky esa iwjk
fd;kA ekxZ esa v'kksd fogkj dh
fofHkUu laLFkkvksa] eafnjksa o flU/h
lekt us 'kksHkk;k=kk ds Lokxr esa
eap yxk, o izlkn forj.k fd;kA
Hkjr okrokuh ds usr`Ro esa v'kksd
fogkj dh bl 'kksHkk;k=kk dh igpku
u dsoy fnYyh esa oju iwjs Hkkjr
o fo'o esa flU/h lekt ds fy,
fo'ks"k egRo dk izrhd cu xbZ gSA
'kksHkk;k=kk dk lekiu eafnj ij
gqvkA ekxZ esa gtkjksa dh la[;k esa
J¼kyqvksa us T;ksr ds n'kZu fd,A
tUek"Veh ds volj ij o;kso`¼ Lora=krk lsukuh nknk eksrhyky th
dks ekyk igukdj vk'khokZn nsrs gq, bLdkWu eafnj uks,Mk ds iqtkjh

This article is written to serve
as an inspiration, a guide to
waking up from one's imagined
status as a person, to what one
really is. It is an effort to give
spiritual direction to this life
of an individual enmeshed in
the delusory world. The series
on the subject discusses the
quandary confronting modern
man. Beguiled by the brilliant
lustre of materialistic oddities,
he directs all his energies
towards the achievement
of temporal success but all
that he is able to amass is
disappointment, ambivalence,
dysphoria, anxiety and vanity.
The series will illustrates the
attributes imbibing which man
would be able to transform his
current piteous condition. It is
through the realisation of the
real inner 'self', which come
forth when man surrenders his
entire being with absolute faith
unto God's Divine will, that he
is able to attain true happiness
and divinity. This series will
inspires man to rise above his
mundane living and traverse
the path of spirituality. This is
MOTILAL
97yrs. Sr. Freedom Fighter
possible when he is able to feel
the perpetual Guiding hand of
the Spiritual Maven, offering
aegis not only in the physical
world but also beyond. It
describes qualities that a
spiritual aspirant must imbibe
for the realisation of the true
aim of this precious human
birth.
This series 'Devotion and
the Modern Mind' has
been published with the
Magnanimous Grace of His
Holiness, our Present Spiritual
Master. It is hoped that reading
andcontemplationofthisseries
shall inspire selfless devotional
sentiments within, leading
to spiritual awakening and
uplifting from predicament to
a state of incessant bliss, with
the fervent hope that this series
shall guide spiritual seekers
to the goal of human life:
God realisation. Salutations
and homage is paid to the
benevolent Master, who out of
his peerless generosity imparts
true knowledge to the deluded,
guiding them to higher
evolution. Supplications with
intense fervour are made to
seek the divine blessings of his
holy excellency.
Darkness it not a force - it is
merely the absence of light.
Observe that when a light is
brought to a dark place, the
darkness disappears. Sadness
is similar - when joy is brought
to suffering, the sadness
disappears. Open yourself to
the Light! Hold back nothing,
Trust in the Light.
Jonathan Lockwood Huie
(Courtesy: Devotion and the
Modern Mind)
Golden Words of the
Golden Personalities
02fny&,&flU/kfnYyh% 01 flrEcj ls 15 flrEcj 2019 rd
fuosnu
flU/h lekt dh leLr flU/h
laLFkkvksa ds >wysyky eafnjksa ds
izca/dksa ls fuosnu gS fd pkyhgk
ioZ ds lHkh dk;ZØeksa dh dojst
ds fy, Ñi;k dilesindh@
gmail.com ;k Whastapp
8076694364 lEidZ djsa
uoxfBr dsUæ 'kkflr izns'k yík[k ds ysg esa flU/q unh
ds rV ij igyh ckj iQgjk;k x;k jk"Vªh; èot
pkyhgk egksRlo esa ;equk ugj (jksfg.kh) esa T;ksr
lkfgc ijoku izca/u gsrq fnYyh ljdkj dh mis{kk
flU/q n'kZu mRlo lfefr ds rRoko/ku esa pkyhgk
lkfgc ds lekiu ds i'pkr gj o"kZ vk;ksftr gksus okys
flU/q unh ysg (yík[k) esa bl o"kZ Hkh foxr 24 ls 28
vxLr rd pkyhgk lkfgc lekiu mRlo euk;k x;kA
bl o"kZ mRlo dh fo'ks"krk jgh flU/q unh ds rV ij
ljdkjh vf/dkfj;ksa dh mifLFkfr ds eè; dsUnz 'kkflr
izns'k yík[k ds ysg esa igyh ckj lkabZ dkyhjke (lkabZ
ol.k'kkg njckj) mYgkl uxj }kjk jk"Vªh; èot dks
iQgjkus dk ,sfrgkfld voljA
flU/q n'kZu mRlo lfefr ds vè;{k eqjyh/j ek[khtk
(jk;iqj)] eukst xksfx;k] jktu ukxiky (fnYyh)]
gjh'k ryjstk o Hkkjr ds dbZ izns'kksa ls flU/h lekt
ds J¼kyqtu mRlo esa lfEefyr gq,A bl volj ij
lkabZ dkyhjke th }kjk Hktu laè;k esa euksgkjh Hktuksa
dk vkuUn J¼kyqvksa us mBk;kA
egs'k NkcfM+;k
misf{kr flU/h lekt }kjk fnYyh ljdkj ds fy, fojks/ ds Loj eq[kfjr
flU/h lekt }kjk gj o"kZ pkyhgk egkioZ ds miy{; esa 16 tqykbZ ls 25 vxLr rd izfrfnu >wysyky eafnjksa
esa ifo=k T;ksr lkfgc dh fof/iwoZd iwtk&vpZuk o mikluk dh tkrh gSA iwtk ds i'pkr ifo=k T;ksr dk ty
foltZu fd;k tkrk gSA mÙkjh fnYyh ds lSDVj&18 esa gj o"kZ ;equk ugj ij fnYyh ds vusd eafnjksa ds J¼kyq
cM+h la[;k esa ifo=k T;ksr dks ijoku djus ds fy, cknyh VsyhiQksu ,Dlpsat ds utnhd ?kkV ij T;ksr dk
folZtu djrs jgs gSa ij lkFk gh ,d vksj ubZ ugj cuus ds dkj.k o iqjkuh ugj esa cgrs ty dh mfpr O;oLFkk
u gksus ds dkj.k ubZ ugj esa gh T;ksr ijoku dh tkrh gSA foxr o"kks± esa fnYyh ljdkj }kjk vLFkkbZ :i ls gh
lgh bl ?kkV ij 'kSM yxkdj ifo=k T;ksr dks ijoku djus ds fy, lhf<+;ka] fctyh o vU; O;oLFkk,a vk;ksftr
dh tkrh jgh gSa ij fdUgh vifjgk;Z dkj.kksa ls fnYyh ljdkj us flU/h lekt ds bl egkioZ dh mis{kk dhA
bl o"kZ J¼kyqvksa ls feyh tkudkjh ds vuqlkj O;oLFkk,a 'kwU; FkhaA
ykylkabZ eafnj tudiqjh ds eq[; izca/d Jh :i dqekj xjhcnklkuh us fny&,&flU/ ds lEiknd dks crk;k fd
25 vxLr dks pkyhgk esys ds lekiu ds i'pkr iwT; cgjk.kk lkfgc dh 'kksHkk;k=kk iwjh tudiqjh esa mYykl
o J¼k ds lkFk fudkyh xbZA ekxZ esa vusd /kfeZd laLFkkvksa o eafnjksa ds izca/dksa us 'kksHkk;k=kk dk vfHkuUnu
fd;kA tudiqjh ls 'kksHkk;k=kk ds'kksiqj eaMh esa J¼kyqvksa dks n'kZu nsrh gqbZ tc jksfg.kh lSDVj&18 VsyhiQksu
,Dlpsat ij igqaph rks lHkh J¼kyq grizHk gks x,A bl o"kZ fnYyh ljdkj us flU/h lekt ds fy, foxr o"kkZ
dh Hkkafr bl o"kZ dksbZ O;oLFkk ugha dh Fkh] u rks T;ksr foltZu ds fy, lhf<+;ksa dk izca/ Fkk] u gh izdk'k
o fctyh dh dksbZ O;oLFkk FkhA jkr ds va/sjs esa efgykvksa dh lqj{kk ds fy, uke ek=k Hkh izca/ ugha fd,
x, FksA bl volj ij jksfg.kh lSDVj&17 ds J¼kyq Hkh T;ksr foltZu ds fy, ?kkV ij vk x,A ns[krs gh ns[krs
Jh >wysyky eafnj ihreiqjk ds J¼kyq Hkh ?kkV ij igqap x,A J¼kyq rks cM+h la[;k esa Fks ij bartke 'kwU;A
ogka ?kus va/sjs esa eksckby dh jksf'k;ksa o ,ejtsalh ykbVksa ds eè; vkjrh xkbZ xbZA izfl¼ xkf;dk jf'e bafM;k
o >wysyky th ds HkDr izse txfr;kuh us Hktu x,A vkuu iQkuu esa izse txfr;kuh us vius fdlh ifjfpr
flU/h lekt ds Lotu ls yksgs dk LVS.M eaxokdj cgjk.kk lkfgc dks ijoku djus ds fy, O;oLFkk dhA
iYyo Mkydj Hkxoku dks ;kn dj lHkh fujk'k gksdj vius ?kj ykSVsA :i dqekj xjhcnklkuh dk dguk gS fd
fnYyh ljdkj tks fcgkjh HkkbZ;ksa ds R;kSgkj NB ds fy, rks blh ugj o vusd LFkkuksa o ;equk unh ij vk;kstu
ds uke ij djksM+ksa :i;s [kpZ dj nsrh gSA eka nqxkZ ds ewfrZ foltZu o x.ks'k mRlo ij ?kkVksa dh ltkoV o lHkh
fo'ks"k izca/ fd, tkrs gSaA flU/h lekt ds izfr fnYyh ljdkj dh foeq[krk ns[kdj flU/h lekt esa fnYyh
ljdkj ds izfr fujk'kk ds Loj eq[kfjr gks jgs gSaA dqN o"kZ iwoZ fnYyh ljdkj dh eq[;ea=kh Lo- 'khyk nhf{kr
us rks ;equk ugj unh ij dk;ZØe ds fy, fo'ks"k izca/ fd, FksA :i dqekj xjhcnklkuh us fny&,&flU/ dks
crk;k fd bl dk;Z esa tqVs lHkh egkuqHkkoksa ls os ppkZ dj jgs gSa ftlls fd vkus okys o"kks± esa Hkys gh fnYyh
esa lÙkk esa dksbZ Hkh ljdkj gks ;g fnDdr nksgjkbZ u tk,A mUgksaus crk;k fd lks'ky ehfM;k ij bl dk;Z ds
fy, fnYyh dh turk dk iw.kZ lg;ksx o leFkZu fey jgk gSA fo'ks"k :i ls iwoZ es;j ujsUnz dqekj pkoyk us
vkxkeh Hkktik ljdkj ds lÙkk esa vkus ij iDds ?kkV cukus dk Hkh vk'oklu fn;k gSA fuxe ik"kZn ohuk 'kekZ]
iwoZ fuxe ik"kZn jtuh eerkuh] if'peh fnYyh Hkktik ds ftyk vè;{k jes'k [kUuk] Hkktik vkj-MCY;w-,-
izdks"B ds la;kstd iadt o/kou] lg la;kstd vueksy dR;ky] eknhiqj ls lqjsUnz fu>kou us iwjs ?kVukØe dh
tkudkjh feyus ij fnYyh ljdkj dh uhfr;ksa o dk;Ziz.kkyh dk ?kksj fojks/ fd;k gSA flU/h lekt dh vkLFkk
,oa fo'okl ds lkFk f[kyokM+ djus ds fy, fnYyh ljdkj ds izfr jktdqekj eerkuh] gjh'k HkEHkkuh] egs'k
NkcfM+;k] nhid ewjtkuh] yfyr fctykuh o vusd us bl ?kVuk ij fujk'kk o nq[k O;Dr fd;k gSA
izkphu eafnj ls
fudyk ykylkbZ
dk esyk
pkyhgk ioZ ds lekiu ij izkphu
Jh >wysyky eafnj iqjkuh lCth
eaMh ls xr 25 vxLr dks >wysyky
esys ds miy{; esa HkO; 'kksHkk;k=kk
fudkyh xbZA 'kksHkk;k=kk esa Hkxoku
Jh >wysyky dh ifo=k T;ksr dh
>kadh] cS.M] 'kgukbZ o /kfeZd
>kafd;ksa ls lqlfTtr FkhA 'kksHkk;k=kk
mn~?kkVu lkabZ txnh'kyky th us
fd;kA 'kksHkk;k=kk izkphu Jh >wysyky
eafnj ls izkjEHk gksdj ciZQ [kkuk] iqy
cax'k] vktkn ekfdZV] rhl gtkjh
gksrs gq, dqnfl;k ?kkV ;equk unh ds
rV ij folftZr gqbZA ifo=k T;ksr dks
;equk esa ijoku fd;k fd;k x;kA

}kjdknkl iqjLokuh ¶>wysyky lEeku¸ ls lEekfur
';ke jksfgM+k o egs'k NkcfM+;k Hkh lEekfur
Jh }kjdknkl iqjLokuh (vè;{k flU/h iapk;r /eZ'kkyk iQrsgiqjh) dks
>wysyky lsok lEeku ls lEekfur fd;k x;kA bl volj ij vius
ifjokjtuksa o iapk;r ds nknk :ipan uUnokuh] dUgS;kyky #?kokuh] uohu
<haxjk o lqjsUnz ok/ok ds lkFk izlUu eqnzk esa lEeku Lohdkj djrs gq,A
Jh >wysyky eafnj v'kksd fogkj esa fny&,&flU/ ds iz/ku lEiknd egs'k
NkcfM+;k o flfU/;r ds 'kSnkbZ ';ke jksfgM+k (fnYyh nwjn'kZu) dks mudh
flU/h lekt dh i=kdkfjrk ds fy, lEekfur fd;k x;kA
xr 20 vxLr dks ykylkabZ eafnj tudiqjh esa ykylkabZ ds ije HkDr ykypan ckckuh o mudh fcfV;k dksey
ckckuh dk tUefnu izfl¼ Hktu xkf;dk jf'e bafM;k dh HkfDr xhrksa o c/kbZ 'kqHkdkeuk xhrksa ds eè; mYykliwoZd
ekgkSy esa euk;k x;kA bl volj ij if'peh fnYyh Hkktik ds eaMy vè;{k jes'k [kUuk] Hkktik if'peh ftyk
RWA izdks"B ds la;kstd iadt o/kou] lg la;kstd vueksy dR;ky] iwoZ fuxe ik"kZn jtuh eerkuh] vt;
pkS/jh (vè;{k ds'kksiqj lCth eaMh] ,ih,elh fnYyh ljdkj)] losZ'k egktu o vusd x.kekU;tuksa dh mifLFkfr
ds eè; euk;k x;kA fny&,&flU/ dh vksj ls ckckuh ifjokj dks gkfnZd c/kbZ o 'kqHkdkeuk,aA
ykylkabZ eafnj tudiqjh esa izfrfnu Hktu&Hk.Mkjk
iz;kxjkt esa Lokeh tqxrjke th dk 121oka tUeksRlo
xr 18 vxLr dks Jh iz;kxjkt esa flU/h lekt dh izkphure ihB Lokeh tqxrjke vkJe ds ihBk/h'oj Lokeh
tqxrjke th dk 121oka tUeksRlo J¼kyqvksa }kjk mYykl o J¼k ls euk;k x;kA bl volj ij ukxiqj ls
i/kjh n`f"V tslokuh us laxhre; iq"ikatfy nhA fnYyh ls i/kjs i=kdkj ';ke jksfgjk dks lEekfur fd;k x;kA
panhjke pkoyk] iadt tslokuh lEekfur
xq: eksrh esgrk th }kjk iwoZ fuxe ik"kZn o >wysyky eafnj ihreiqjk ds
vè;{k panhjke pkoyk o izfl¼ xk;d iadt tslokuh dks >wysyky lsok
lEeku iznku djrs gq,A lkFk esa y[ehpan edjkuh] Hkjr okrokuh o vU;A

tUelk[kh Jh vej mMsjksykyxrkad ls vkxs----
;g lqudj muds ekrk&firk cgqr
nq[kh gq,A ekrk&firk dks 'kksd esa
ns[kdj ykylkabZ us dgk fd txr esa
ekrk&firk] iq=k dksbZ fdlh dk ugha
gS vkSj lc izkjC/ ds ;ksxo'k vkdj
,d&nwljs ls feyrs gSa vkSj le;
vkus ij fiQj vyx gks tkrs gSa] fiQj
eSa rks dgha nwj ugha tk jgk gwaA lnk
vkids lkFk jgwaxkA vki eq>s ty
vkSj T;ksr ds :i esa ges'kk vius
lkFk ikvksxsA ;g dgdj ykylkabZ
ogka ls pys x, vkSj txg&txg
yksxksa dks vius u, er dk mins'k
fn;kA os tgka Hkh tkrs FksA ogka HkDrksa
dh HkhM+ muds izopu lquus igqap
tkrh Fkh vkSj J¼kyqvksa dk Vksyk
ges'kk muds ihNs yxk jgrk Fkk
tks ykylkabZ dh t; t;dkj vkSj
vk;ksyky >wysyky ds ukjs yxkrs
tkrs FksA
HkDr oRly ladVekspu
mMsjksyky
flU/ esa djkph canjxkg ds lehi
eugksus ds uke ls ,d NksVk lk
}hi izfl¼ gSA ogka ds eNqvkjs leqnz
ds mrkj&p<+ko ls ges'kk ijs'kku
jgrs Fks] gj eghus ds 'kqDyi{k esa
vius ?kj NksM+dj nj cnj fiQjrs
Fks] D;ksafd rc iwjk }hi tyeXu gks
tkrk Fkk] vkSj leqnz esa Tokj vkus ls
muds ?kj ikuh esa Mwc tkrs FksA ihus
vkSj ?kjsyw dke ds fy, LoPN ikuh
dh Hkh fdYyr jgrh FkhA eNqvkjs
oSls rks o:.k nso dh mikluk djrs
ij vc tc mUgsaus lquk fd o:.k
nso vorkj /kj.k dj mMsjksyky ds
:i esa izdV gq, gS] rks lc us
feydj ykylkbZ dh Lrqfr dh vkSj
enn ds fy, iqdkjkA
ykylkbZ eNqvkjksa dh iqdkj lqudj
eugksjs }hi igqapsA rc ykylkabZ
dh d`ik n`f"V ls leqnzh Tokj vkSj
Mwc dk flyflyk Hkh can gks x;kA
ykylkabZ dqN fnu ogka Bgjs] ty
vkSj T;ksr dh efgek dk izpkj fd;k
vkSj yksxksa dk izseHkko ns[kdj ogka
,d fo'kky eafnj ds fuekZ.k dk
vkns'k fn;kA ,d txg vius Hkkys
dh uksd ls tehu ij mUgksaus fu'kku
yxkdj ogka ,d dqvka [kqnok;k]
ftlls lkiQ LoPN ikuh feyus
yxkA og eafnj vkSj dqvka vkt Hkh
eugksj }hi ij ekStwn gS vkSj gj
ekl dh panz frfFk ij esyk yxrk gS
tgka nwj&nwj ls J¼kyq vkrs gSaA
fla/ ds mÙkjh Hkkx esa fla/q unh ds
fdukjs nka;h vksj jksfgM+h vkSj ckabZ
vkSj lD[kj uxj cls gSa vkSj unh ds
chp esa cD[kj uke dk ,d NksVk
}hi gSA mu fnuksa unh esa cM+s&cM+s
csM+s vkSj ukSdk,a pyrh Fkh ftuds
}kjk leLr O;kikj pyrk FkkA
eky unh fdukjs cls 'kgjksa esa ,d
'kgj ls nwljs 'kgj yk;k ys tk;k
tkrk FkkA ,d ckj ijekuan uke ds
BDdj 'ks[kj yky
lkSnkxj vkSj mlds eYykg ekfgj
dk csM+k jksfgM+h vkSj cD[kj ds chp
Hkaoj esa iaQl x;kA csM+s esa cgqewY;
lkeku Hkjk Fkk vkSj csM+k Hkaoj esa
xksy xksy ?kwerk /hjs&/hjs Mwcus
yxkA ,slh ladV dh ?kM+h esa lkSnkxj
vkSj eYykg us ykylkabZ dks iqdkjkA
var;kZeh us vius HkDrksa dh iqdkj
lquh vkSj iqxjnso ls ;g dgdj
fd eSa vHkh vk;k mUgksaus nfj;k esa
Mqcdh yxkbZA m/j lkSnkxj dks yxk
fd dksbZ vtuch gkFk mlds csM+s
dks uhps ls /dsydj Åij ys vk
jgk gSA
{k.k Hkj esa uko mNydj fcYdqy
lqjf{kr Hkaoj ls ckgj vk xbZA Hkaoj
ds lehi ,d igkM+huqek NksVk lk
}hi vkSj FkkA lkSnkxj ijekuan vkSj
mlds eYykg us ns[kk fd ,d njos'k
lisQn yEch nk<+h j[ks gq,] vklu
yxk, ,d gkFk vk'khZokn dh eqnzk esa
fy, cSBs gSaA vc rd unh ds fdukjs
dkiQh HkhM+ tek gks xbZ Fkh] vkSj ;g
peRdkj ns[k lHkh gSjr esa iM+ x,A
lkSnkxj ijekuan vkSj rkfgj eYykg
ykylkabZ ds lk{kkr~ n'kZu djds /U;
gks x,A vkxs c<+dj mUgksaus ykylkabZ
ds pj.k Li'kZ fd,A rc ykylkabZ
us ogka mifLFkr tu&lewg dks
ty&T;ksfr eafnj dk fuekZ.k djus
dk vkxzg fd;kA
ijekuan vkSj vU; O;kikfj;ksa us
feydj ml NksVs }hi ij v[k.M
T;ksfr eafnj cuok;k ftldk uke
ftangihj j[kk x;kA ;g eafnj vkt
Hkh jksfgM+h vkSj cD[kj ds chp unh
esa }hi ij ekStwn gS vkSj lSadM+ksa
J¼kyq n'kZu djus tkrs gSaA ogka ls
xqtjus okyh gj d'rh ogka :ddj
T;ksfr Lo:i dks ueLdkj djus ds
ckn gh vkxs tkrh gSA vkt rd
ogka fiQj dksbZ nq?kZVuk ugha ?kVh gSA
ogka ekStwn iqtkjh crkrs gSa fd gj
lky lkou ekl esa fla/ unh esa ck<+
vkrh gS vkSj unh dk ikuh eafnj
esa vanj rd vk tkrk gS ij ogka
T;ksfr Lo:i LFkkfir gS ikuh ogka
rd igqapdj mrjus yxrk gS] dHkh
Hkh T;ksfr Lo:i ds Åij ugha tkrkA
bl rjg mMsjksyky lkabZ vius
HkDrtuksa ds d"V fuokj.k djrs
nfj;k iaFk dk mins'k nsrs vkSj tgka
rgka ty T;ksfr dh mikluk ds fy,
eafnjksa dh LFkkiuk djrs jgsA tc os
ckjg o"kZ ds gq, rc HkDrtuksa ds
lEeq[k mUgksaus bPNk O;Dr dh fd
vc ,d ,sls iwtkLFky dk fuekZ.k
djuk gS tgka lHkh leqnk; ds yksx
iwtk dj ldsa] tks loZ/eZ rhFkZLFky
ds :i esa igpkuk tk, vkSj lHkh
lEiznk;ksa dh ,drk vkSj HkkbZpkjs dk
izrhd cuk jgsA
mUgksaus dgk eSa ,sls iwtk LFky ds
fy, mi;qDr LFkku ryk'k dj eafnj
LFkkiuk ds fy, tk jgk gwaA bl
rjg ykylkabZ uljiqj ds vius lHkh
izsfe;ksa dks viuk varfje lans'k
nsdj vius Hkrhts dksM.k jk; dks
lkFk ysdj fdlh mi;qDr LFkku dh
ryk'k esa fudy iMs+
------Øe'k
Jh >wysyky eafnj fny'kkn xkMZu
Jh >wysyky eafnj usg: uxj ls
fudyh HkO; 'kksHkk;k=kk
vEek iwue dqdjstk th dh vè;{krk esa eafnj dh xfrfof/;ksa dk lapkyu

njos'k vkLFkku dh jgcj iwT; vEek
deyk lkfgc th }kjk LFkkfir
ckck xksikynkl lkfgc (rkfyc)
VªLV }kjk vxLr ekl esa tulsok
ds dk;ks± dh xfrfof/;ksa dks tkjh
j[kk x;kA rkfyc VªLV }kjk 'kga'kkg
ckck usHkjkt lkfgc >.Msokys th ds
tUeksRlo (13 vxLr) ds miy{;
esa ckck usHkjkt lhfu;j lsdsUMªh
Ldwy] gseukuh ifCyd Ldwy
yktir uxj ds 2100 fo|kfFkZ;ksa dks
Hk.Mkjk lsok nh xbZZA bl volj ij
VªLV }kjk t:jrean 200 fo|kfFkZ;ksa
dks Ldwy ;wfuiQkeZ Hkh nh xbZA
rkfyc VªLV }kjk iwT; vEek deyk
lkfgc th dh iq.; frfFk (22)
ij tgkaxhjiqjh ds 105 t:jrean
ifjokjksa dks jk'ku lqfo/k nh xbZA
VªLV }kjk xq: foJke o`¼ vkJe ds
120 o`¼ t:jreanksa dks nokbZ;ka o
jk'ku lgk;rk nh xbZA
VªLV }kjk bafLVV;w'ku iQkWj fn CykbaM
fpYMªu }kjk yxHkx 100 us=kghu
fo|kfFkZ;ksa ds fy, laLFkku dks jk'ku
lsok nh xbZA VªLV }kjk ekuo eafnj
xq:dqy vukFkky; esa jgus okys 50
vukFkksa dks mudh ekfld t:jr
ds vuqlkj jk'ku lgk;rk dh dqN
oLrq,a nh xbZA VªLV }kjk ,u,ch lsUVj
iQkWj fn CykbaM oweu LVMht esa 40
us=kghu efgykvksa dh Lojkstxkj o
Vsªfuax ds fy, vè;;ujr 40 us=kghu
efgykvksa dks jk'ku lqfo/k nh xbZA
'kga'kkg ckck usHkjkt lkfgc ds tUeksRlo ij ckck xksikynkl lkfgc (rkfyc) VªLV }kjk
ckck usHkjkt Ldwy ds cPpksa dks Hk.Mkjk o tgkaxhjiqjh ds t:jreanksa dks vUu lgk;rk
Bdqj ohjHkku ds la;kstu esa xr o"kks± dh Hkkafr bl o"kZ Hkh pkyhgk egksRlo ds lekiu ij xr 24 vxLr
dks jk/kÑ".k eafnj r#.k ,Udyso ihreiqjk esa flU/h vdkneh fnYyh ljdkj ds lg;ksx ls fo'ks"k lkaLÑfrd
dk;ZØe dk vk;kstu fd;k x;kA bl volj ij izfl¼ Hktu xkf;dk] uhrw eVbZ us flU/h laLÑfr fo'ks"k
:i ls Hkxoku >wysyky th ds Lrqfrxhr xkdj lHkh dks ukpus ij etcwj dj fn;kA bl volj ij Hk.Mkjs
dh O;oLFkk FkhA
o#.knso lsok lfefr r#.k ,Udyso ihreiqjk

jksfg.kh lSDVj&5 esa >wysyky esyk 'kadj ykyokuh dks vVy fcgkjh oktis;h jk"Vªh; iqjLdkj
MkW- jktw euokuh (VSSS) dk yqf/;kuk esa vfHkuUnu
pkyhgk ioZ ds lekiu ij flU/h lekt }kjk fnYyh dh fofHkUu
dkWyksfu;ksa esa 'kksHkk;k=kk,a fudkys tkus ds lekpkj feys gSaA jksfg.kh ls
gh Jh >wysyky eafnj lSDVj&5 o Jh >wysyky lsok lfefr ,iQ&5]
lSDVj&16 }kjk la;qDr :i ls Jh >wysyky esys dh HkO; 'kksHkk;k=kk
fudkyh xbZA 'kksHkk;k=kk ls iwoZ izfl¼ lektlsoh Jh egsUnz luiky iIIkk
us eafnj esa vk;ksftr vkjrh o iwtk vpZuk esa Hkkx fy;kA ifo=k T;ksr
ds le{k uRkeLrd gksus ds lkFk fjfcu dkVdj 'kksHkk;k=kk dk mn?kkVu
fd;kA 'kksHkk;k=kk esa Hkxoku Jh >wysyky th dh ifo=k T;ksr dh >kadh]
/kfeZd >kafd;ksa] flU/h 'kgukbZ] cSaM ls lqlfTtr FkhA ekxZ ij [kqys Vªd
esa cSBs gq, HkDrtu Hkxoku Jh >wysyky th dh t; t;dkj dj jgs FksA
'kksHkk;k=kk jksfg.kh ds eq[; ekxks± ls gksrs gq, lSDVj&18 ij folftZr gqbZA
izfl¼ lektlsoh egsUnz luiky iIik 'kksHkk;k=kk dk mn~?kkVu djrs gq,
lkFk esa jfo eupank] jkts'k ouokfj;k] eukst flU/h] lUuh fuLokuh o vU;
bUnkSj ds fuokZfpr lkaln 'kadj
ykyokuh ftUgsa foxr yksdlHkk
pquko esa lokZf/d er ikus dk xkSjo
feyk gS mUgsa jk"Vªfgr o lkekftd
lnHkko esa mYys[kuh; ;ksxnku ds
fy, izfrf"Br ^vVy fcgkjh jk"Vªh;
iqjLdkj* ls gky gh esa lEekfur
fd;k x;k gSA
fny&,&flU/ dh vksj ls yksdfiz;rk
ds iSekus ij Hkkjr esa mPp f'k[kj
dks Nwus okys 'kadj ykyokuh dks
mudh bl miyfC/ ij gkfnZd
c/kbZ o 'kqHkdkeuk,aA
gky gh esa VSSS dh iatkc bZdkbZ
ds vè;{k Jh vks-ih- cwykuh dh
vè;{krk esa yqf/;kuk (iatkc) esa
Jh jktw euokuh (vUrjkZ"Vªh; vè;{k
VSSS) ds uxj vkxeu ij mudk
vfHkuUnu HkO; :i ls fd;k x;kA
bl volj ij MkW- jktw euokuh us
flU/h lekt ds csgrj Hkfo"; ds
fy, laLFkk ds dk;ks± dh lgHkkfxrk
o Hkfo"; ds fy, :i js[kk ij
ppkZ djrs gq, lHkh mifLFkrtuksa
dk mRlkgo¼Zu fd;kA dk;ZØe esa
iatkc bZdkbZ ds Jo.k HkkfV;k] cíh
(fgekpy) ls izrki eksgu Hkkjrh;
o vU; x.kekU;tuksa us vius fopkj
izdV djrs gq, tuojh 2020 esa
laLFkk }kjk iw.ks esa vk;ksftr gksus
okyh dkWUÚsal ds fy, vius lq>ko
o lgHkkfxrk ds lkFk vius tks'k dks
'kCnksa esa vfHkO;Dr fd;kA
bl volj ij Jh vks-ih- cwykuh
us yqf/;kuk bZdkbZ ds vè;{k Jo.k
HkkfV;k dks de le; ds uksfVl ij
liQy vk;kstu djus ds fy, mudk
vkHkkj Kkiu fd;kA blls iwoZ Jh jktw oh- euokuh o vU; x.kekU;tuksa
dk vfHkuUnu iwQy ekykvksa ds lkFk Lokxr lacks/uksa ls fd;k x;kA
lUuh fulokuh >wysyky lEeku ls lEekfur
Jh >wysyky eafnj jksfg.kh lSDVj&5 ds ps;jeSu lUuh fulokuh dks ^>wysyky
lsok lEeku* ls lEekfur djrs gq, y[kehpan edjkuh o vU;A

iwT; fla/h iapk;r ds'koiqje~ }kjk Jh >wysyky pkyhgk egksRlo ds lekiu ij xr 24 vxLr 2019 dks /we/ke ls
ykylkabZ dk esyk fudkyk x;kA bl volj ij ykylkabZ eafnj ds'koiqje~ esa izkr% dky gou ds i'pkr dU;k iwtu
ds mijkar ykylkabZ eafnj ls HkO; 'kksHkk;k=kk fudkyh xbZA 'kksHkk;k=kk dk ds'koiqje~ {ks=k esa jgus okys fla/h lekt o
xSj fla/h lekt }kjk Lokxr fd;k x;kA 'kksHkk;k=kk esa ykylkabZ dk cgjk.kk Nst] Mksdyks] cSaM o 'kgukbZ dh e/qj
xqat ls lqlfTtr FkkA cgjk.kk lkfgc dh ifo=k T;ksr ds le{k ekSt&eLrh esa ukprs >wers J¼kyqvksa dh Vksfy;ka Hkh
py jgh FkhA 'kksHkk;k=kk dk Lokxr fla/h lekt ds lkFk&lkFk xSj fla/h lekt us izlkn dh Nchys yxkdj fd;kA
'kksHkk;k=kk ds lapkyu esa eafnj o iapk;r ps;jeSu Jh ijljke okrokuh] vè;{k foØe izsepankuh] lfpo tfru
dqdjstk] fd'kuyky okrokuh] efgyk eaMy vè;{k Ñfrdk pkoyk o vU; lsoknkfj;ksa us lsok dhA
uo xfBr Jh >wysyky lsok lfefr ,iQ&5 lSDVj&16 jksfg.kh esa bl o"kZ
pkyhgk ioZ ds volj ij izfrfnu iwT; cgjk.kk lkfgc dh fof/or iwtk
vpZuk] vkjrh o iYyo ds i'pkr fof/iwoZd T;ksr foltZu fd;k x;kA ioZ
ds lekiu ds i'pkr lSDVj&5 dh 'kksHkk;k=kk esa J¼kyqtu lfEefyr gq,A
ds'koiqje esa ykylkabZ dk esyk Jh >wysyky lsok lfefr F-5
jksfg.kh lSDVj&16 esa pkyhgk ioZ
ij izfrfnu Hktu ladhrZu
flU/q lekt esa izfrfnu lkaLÑfrd dk;ZØe esa fnYyh o ns'k ds dykdkjksa }kjk Lrqfrxku
flU/q lekt jktsUnz uxj ubZ
fnYyh esa fLFkr Jh >wysyky
pkyhgk egksRlo ds nkSjku 40 fnu
rd Hkxoku Jh >wysyky th ds
Hktu ladhrZu ds dk;ZØe fnYyh
ds izfl¼ dykdkjksa }kjk HkfDr
Hkkouk ls fd, x,A flU/q lekt
ds vè;{k Jh vkj-ds- HkkfV;k o
egklfpo Jh euksgj djuk o Jh
ujs'k csykuh ds la;kstu esa izfrfnu
eafnj esa ns'kHkj ls vk, Hktuhdksa
us viuh gkftjh yxkdj J¼kyqvksa
dks vkuUn ls foHkksj dj fn;kA
lekt ds dSf'k;j vftr jkorkuh
o lfpo txnh'k ukxjkuh ds
la;kstu esa flU/q lekt dh vksj ls
40 fnu rd Hk.Mkjs dh lqO;oLFkk
dh xbZ FkhA pkyhgk ds lekiu ij
jktsUnz uxj ls 'kksHkk;k=kk fudkyh
xbZA 'kksHkk;k=kk ds i'pkr ifo=k
cgjk.kk lkfgc dk ty foltZu
;equk unh esa fd;k x;kA
flU/q lekt ds vk;kstu dh eq[;
fo'ks"krk jgh dk;ZØe dk fu/kZfjr
le; lka; 7 cts ls izkjEHk gksuk]
HkfDr laxhr dk dk;ZØe 8 cts
rd rRi'pkr Hk.MkjkA

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'kkyhekj ckx esa fudyk HkO; >wysyky esyk pkyhgk ioZ ij flU/h lekt }kjk
ns'k Hkj esa Hk.Mkjs vk;ksftr
Jh >wysyky eafnj] >wysyky lkslk;Vh ihreiqjk
Jh >wysyky eafnj >wysyky lkslk;Vh ihreiqjk esa
pkyhgk ioZ mRlkg o J¼k ds lkFk euk, tkus ds
lekpkj feys gSaA eafnj ds ps;jeSu lqjs'k [k=kh us
crk;k fd eafnj esa iwT; >wysyky lkabZ dh vkjrh]
cgjk.kk lkfgc dh vkjrh] iwtk o iYyo pkyhl fnu
rd fu;e ls vk;ksftr fd, x,A pkyhgk ioZ ds lekiu
ij lkfgR; dyk ifj"kn fnYyh ljdkj ds lg;ksx ls
fo'ks"k lkaLÑfrd dk;ZØe dk vk;kstu fd;k x;kA blls
iwoZ izfl¼ Hktu xk;d o eafnj desVh ds egklfpo
t;jkt mnklh }kjk Hkxoku Jh >wysyky th ds Lrqfrxhr
xk, x,A bl volj ij Hk.Mkjs dh lqO;oLFkk FkhA
flU/h lekt ds
bZ"Vnso Hkxoku
Jh >wysyky th
ds 40 fnolh;
iwtk ioZ pkyhgk
ioZ ds lekiu
ij ns'k Hkj esa
flU/h lekt
}kjk Hk.Mkjs
vk;ksftr fd,
x,A bl volj
ij ns'k Hkj
esa 'kksHkk;k=kk,a
vk;ksftr dh
xbZA
'kksHkk;k=kkvksa ds
eè; ekxZ esa]
eafnjksa ij o
vius fuokl o
dk;kZy;ksa ij
flU/h lekt
}kjk HkO; Hk.Mkjs
vk;ksftr fd,
tkus ds lekpkj
gSaA fnYyh ds
izfl¼ flU/h
lektlsoh egsUnz
luiky iIIkk us
Hkh foxr 19
o"kks± dh Hkkafr
bl o"kZ Hkh
fo'kky Hk.Mkjs
dk vk;kstu
fd;kA

Jh izse izdk'k ykylkabZ eafnj xnkbZiqj }kjk xr 22 vxLr dks vej T;ksfr eap ds vè;{k
egs'k lq[kokuh ds fuokl ij HkO; lkaLÑfrd dk;ZØe dk vk;kstu gqvkA bl volj ij
lkabZ ol.k'kkg njckj mYgkl uxj ls 'kgtkns lkabZ vksehjke th }kjk Hktuksa dh o"kkZ esa lHkh
mifLFkrtu ekuks izse jl ls ljkcksj gks x,A dk;ZØe esa vk'khokZn nsus ds fy, xq:}kjk xksfoUn
lnu xnkbZiqj ls ckck gjnhi flag th] lkabZ ol.k'kkg njckj fnYyh ls lkabZ txnh'kyky] lPpks
lrjke/ke fnYyh ls HkkbZ ij;y nkl Hkh laxr ds lkFk i/kjsA dk;ZØe dk vk;kstu HkO; :i ls
vk;ksftr djus esa egs'k lq[kokuh ds ekxZn'kZu esa vej T;ksfr eap ds lHkh lnL;ksa fo'ks"k :Ik ls
vè;{k egs'k lq[kokuh] mikè;{k fot; /kestk] egklfpo 'kadj ikgqtk] dks"kkè;{k vkse izdk'k
ikgqtk] lfpo Jhpan dks'khtk] lykgdkj o lgla;kstd lat; /kestk] la;kstd ftrsUnz dkejk]
pkyhgk egksRlo esa flU/h vdkneh dh lgHkkfxrk >wysyky th ds jax esa jaxh fnYyh
vej T;ksfr eap ds rRok/ku esa vk;ksftr dk;ZØe esa
lkabZ vksehjke th }kjk Hktuksa dh euksgkjh izLrqfr
Jh >wysyky lkabZ/ke eafnj jksfg.kh lSDVj&16
Jh >wysyky eafnj ihreiqjk
Jh >wysyky eafnj yktir uxj
vkbZ-ih- ,DlVsa'ku fLFkr eafnj esa flU/h osyisQ;j ,lksfl,'ku }kjk vk;ksftr
fo'ks"k dk;ZØeksa esa MkW- uhye ea'kkjkekuh] mek ykyk th Hktu xkrs gq,A
ykylkabZ eafnj tudiqjh esa Hktuksa
dh izLrqfr nsrs gq, jktu >kafx;kuhA
flU/h tkx`fr lHkk ds vè;{k euksgj cyokuh] egklfpo fot; ea?kkuh o
vU; dk Lokxr djrs gq, iou jksfgM+k o jkts'k pksVokuhA
ifo=k T;ksr ds le{k uRkeLrd pkyhl fnu rd lsok esa tqVs >wysyky
HkDrksa o izca/dksa dh Vhe dk izlUu eqnzk esa xqzi iQksVksA
Jh >wysyky eafnj ihreiqjk }kjk fudkyh HkO; 'kksHkk;k=kk esa eafnj mikè;{k
dUgS;kyky vkgwtk }kjk Hk.Mkjk lsok dh xbZA
Jh >wysyky eafnj yktir uxj esa iwT; cgjk.kk lkfgc dh T;ksr dh iwtk
vpZuk djrs gq, vè;{k lrjke nkl o vU; lg;ksxhA
fizaV ehfM;k
v'kksd dkejk]
ehfM;k izHkkjh
v'kksd yksfg;k]
fodkl ea=kh nso
lrhtk] ea=kh
nhid dkejk o
lat; larokuh
dk mYys[kuh;
;ksxnku jgkA
dk;ZØe esa
lkaln galjkt
gal o iwoZ
fo/k;d pkS/jh
czãflag raoj dks
lEekfur fd;k
x;kA
eap dh vksj
ls lHkh eafnjksa
ds izca/dksa]
x.kekU;tuksa dks
ik[kj] izlkn o
>wysyky th dk
fp=k Le`fr fpUg
ds :i esa HksaV
fd;k x;kA lkabZ
vksehjke th
}kjk ve`r osys
rd Hktuksa dh
ekSt epkbZ xbZA
iYyo Mkydj
dk;ZØe dk
lekiu gqvkA
lHkh HkDrksa ds
fy, Hk.Mkjk
izlkn dh fo'ks"k
O;oLFkk FkhA

Jh >wysyky I;kmQ ds'koiqje~ esa lar lekxe
vejkorh esa f'ko/kjk >wysyky pkyhgk lRlax
fcykliqj esa lRlax o eVdh ;k=kk
vEek iwue dqdjstk dh vè;{krk esa flU/h xq:}kjk Jh >wysyky eafnj
jksfg.kh lSDVj&17 esa pkyhgk ioZ ij izfrfnu lka;dky esa e/qj 'kgukbZ dh
xwat ds eè; iwT; cgjk.kk lkfgc dh iwtk vpZuk] vkjrh] Hktu ds i'pkr
ifo=k T;ksr dks ;equk ugj esa ijoku fd;k x;kA
xr 20 tqykbZ ls çkjaHk Jh >wysyky pkfy;k egksRlo o#.k nso vorkj lkbZa >wysyky osQ pkfy;k egksRlo esa
39 ls fnu >wysyky èkke ukxiqj ls ièkkjs lar BkoqQj eksgunkl th lRlax fd;kA dk;ZØe esa >wysyky E;wftdy
ikVZh Hkqlkoy osQ HkkbZ fd'kksj dkjMk Hkqlkoy ,oa HkkbZ vej tX;klh us laxhre; çLrqfr dhA lar lkbZa ckck BoqQj
eksgunkl osQ lkfuè; esa 25 cgjk.kk lkgsc dh iqtk vpZuk fofèk foèkku ls vkLFkk osQ lkFk lEiÂ gqbZA blosQ
ckn 25 cgjk.kk lkgsc dh 'kksHkk ;k=kk cSaM ckts osQ lkFk fudkyh xbZ] foltZu thounk;uh vjik unh osQ rV ij
vkjrh] iYyo] v•k Mky dj fofèk foèkku ls vkLFkk osQ lkFk fd;k x;k ftlesa lekt osQ Hkkjh la[;k esa iq#"k
efgykvksa ;qok oxZ cPps mRlkg osQ lkFk mifLFkr FksA bl volj ij unh rV ij cgjk.kk lkgc dh T;ksr ,d
lkFk ns[kdj J¼k ds jl esa ljkcksj gks x,A
flU/h xq:}kjk] >wysyky eafnj jksfg.kh lSDVj&17
vejkorh (egkjk"Vª) esa f'ko/kjk vkJe ds MkW- larks"k dqekj th ds lkfUuè;
esa >wysyky pkyhgk lRlax vk;kstu ds i'pkr 'kksHkk;k=kk o fof/iwoZd
ifo=k T;ksr dk ty fotZu cM+h la[;k esa J¼kyqvksa ds eè; fd;k x;kA
Jh >wysyky lsok lfefr VªLV 3 Cykd
fueZy iqjh ODS yktir uxj

Guruji Thakkar Shekhar Lal Ji
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Harish Sindhi
9999911103, 9810477219
Manoj Sindhi
9811005180, 9811305180
Ghori Wala®
Estd. 1945
Sindhi Hira Band
Email : manojsindhi@26@gmail.com | www.delhiband.com
Oﬃce: 5, Sat Nagar, Opp. Tank Road,
Karol Bagh, New Delhi-05 | Tell: 011-25811103
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>wysyky ckykth
eafnj tgkaxhjiqjh
tgka pkg ogka jkg] dks pfjrkFkZ djrs
gq, eè;e vk; oxhZ; tgkaxhjiqjh ds
ds- CykWd fLFkr Jh >wysyky ckykth
eafnj esa nknk eqjyh/j <kyokuh th
dh vè;{krk esa pkyhgk ioZ ds
lekiu ij Hkxoku Jh >wysyky th
dh HkO; 'kksHkk;k=kk fudkyh xbZA bl
volj ij tgkaxhjiqjh ds eq[;ekxks±
ls gksrs gq, 'kksHkk;k=kk izkphu Jh
>wysyky eafnj dh 'kksHkk;k=kk esa
lfEefyr gqbZA ifo=k T;ksr dk izoku
fof/iwoZd ;equk unh esa fd;k x;kA
Lora=krk lsukuh nknk eksrhyky
th dks ik[kj lEekfur djrs gq,
eqjyh/j <kyokuh (vè;{k)
Hkkjr esa flU/h lekt dks ,drk ds
lw=k esa fijkSus ds lkFk lkFk flU/h
lekt dh ,drk] laLÑfr] Hkk"kk o
flfU/;r ds laj{k.k ds fy, dbZ
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INNOVATIVE CO-OPERATIVE URBAN BANK LIMITED
First Floor, Central Market, Ashok Vihar, Delhi-110052
INCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2019
Previous Year Expenditure Current Year Previous Year Income Current Year
6,028,803.00 To Interest on Deposits 6,062,080.00 3,699,527.00 By Interest & Discount 2,972,207.00
1,994,750.00 To Salaries &Allowances 2,209,999.00 3,756,907.43 By Interest on Deposit with Banks 3,579,294.40
575.00 To Bank Charges 231.72 684,259.00 By Commission & Exchange 621,288.00
1,485,500.00 To Rent 1,242,000.00 124,950.00 By Interest Received on Secured Loan 89,620.00
168,190.00 To Electricity Charges 209,730.00 1,889,876.83 By Interest on Investment with GOI 1,770,005.00
148,153.00 To Insurance (General & DICGC) 146,401.00 231,939.00 By Locker Rent 211,915.00
7,590.00 To Postage & Telegram 10,438.00 967,724.71 By Other Recipts 637,744.98
34,319.00 To Telephone 31,055.00 57,631.00 By CGST & SCGT Reverse Charge
345,838.00 To Repair & Maintainence 322,175.44
17,635.50 To Clearing House Charges 5,605.28 By Loss 4,411,524.64
144,481.00 To General Body Meeting Expenses 145,089.00
17,574.00 To Investment Premium 17,573.00
12,950.00 To Water Charges 14,500.00
42,964.00 To Conveyance 69,952.00
68,790.83 To Branch Maintainence Expenses 187,701.00
232,517.00 To Depreciation 177,024.00
103,840.00 To Auditor’s Fees 135,228.00
307,450.00 To Law Charges 785,042.00
108,535.00 To Professional Charges 32,864.00
73,089.26 To Printing & Stationary 59,972.58
43,911.00 To Staff Welfare & Business Promotion 69,023.00
2,000.00 To Advertisement Expenses 2,000.00
1,715.00 To Education Fund 4,192.00
590,323.00 To Provision NPA A/c 1,970,068.00
5,100.00 To Election Expenses 157,703.00
243,860.00 To CGST Input & Output 221,802.00
- To provision for income tax
To recovery charges 4,150.00
(817,638.62) To bal. t/f to reserves and surplus -
11,412,814.97 14,293,599.02 11,412,814.97 14,293,599.02
- To excess of expenditure over income c/f 4,411,524.64 (817,638.62) By excess of income over expenditure b/f -
(817,638.62) TOTAL (Rs.) 4,411,524.64 (817,638.62) TOTAL (Rs.) 4,411,524.64
AS PER OUR REPORT OF EVEN DATE ATTACHED
FOR INNOVATIVE CO-OPERATIVE URBAN BANK LTD.
FOR SUSHIL K. JAIN CHAWLA AND CO. (CHARTERED ACCOUNTANTS)
FRN NO.01037N
PLACE: NEW DELHI
DATE: 19/08/2019
Sd/- SUSHIL K. JAIN (PARTNER)
M.NO.:-015640
RAJENDER KUMAR JAIN
(CHAIRMAN)
RUCHI GUPTA
(VICE-CHAIRPERSON)
RAKESH AGGARWAL
(DIRECTOR)
MAHENDRA KUMAR
(CEO)
BALANCE SHEET AS AT 31st MARCH 2019
Previous Year Liabilities Current Year Previous Year Assets Current Year
1. Capital 1. Cash
20,000,000.00 Authorised Share Capital 20,000,000.00 3,712,579.00 Cash in Hand 2,188,279.00 2,188,279.00
Subscribed & Paid Up Capital (Share of Rs.100/-each) 12,405,700.00
12,233,200.00 (P.Y 122332 shares of Rs.100/- each) 12,405,700.00 2. Balance with Banks
2. Reserves & Surplus PNB Bank 4,009,043.46
Kotak Mahindra Bank -
Nominal Membership Fee 5,600.00 HDFC Bank 104,000.84
Provision against Standard Assets 79,000.00 IDBI Bank 6,979,213.54
Provision for SSA & Loss Assets 4,206,880.00 Bandhan Bank 142,702.00
Overdue Interest Reserve A/c (NPA) 2,325,618.00 7,154,122.62 Yes Bank Collection A/c 3,662,863.91 14,897,823.75
Provision for Syndicate Bank -
Loss for the Previous Year (527,018.95) 3.FDR with Banks
5,423,761.21 Loss for the Year (4,411,524.64) 1,678,554.41 IDBI Bank 25,000,000.00
PNB 6,000,000.00
3. Deposits And Other Accounts Yes Bank 9,138,455.39
49,146,158.00 Bandhan Bank 10,132,825.00 50,271,280.39
Fixed Deposits 58,825,548.19
Recurring Deposits 5,938,247.16 4. Accrued Interest
Overdue FDR 190,665.00
Saving Bank 27,864,364.95 Interest Recievable on NPA 2,325,618.00
Current A/c 16,289,144.53 Interest Accrued on FD 1,299,693.00
Cash Credit Balance 6,506.00 Interest Accrued on Govt. Securities 414,649.00
98,896,196.06 Overdraft Credit Balances 85,375.97 109,199,851.80 5,227,378.16 4,039,960.00
5. Advances
4. Other Liabilities
Current A/c, Cash Credit, Overdrafts, TP
& BP
12,045,721.65
Pay Order Payable 1,332,590.75 Demand Loan/Secured Loan 10,102,376.00
Rent Payable 453,281.00 28,933,666.49 Term Loan 5,908,522.00 28,056,619.65
Revenue Expenditure 111,000.00
Yes Bank A/c - 6. Fixed Assets (As Per Schedule)
Sundry Deposits General -
Unclaimed DD Reserve 1,025.00 WDV as on 01.04.2018 1,633,335.00
TDS Payable 61,037.00 Less: Depreciation for the year (177,024.00)
Intt Payable onOverdue FDR’s 103,084.00 1,633,335.00 - 1,456,311.00
3,787,579.75 Pay Order Upto 12-10-2001 72,154.00 2,134,171.75 7. Investment in Govt. Securities
Investment in Govt. Securities 21,543,350.00
21,668,444.00 Investment premium 107,521.00 21,650,871.00
8. Other Assets
Advance rent from bank premises 180,000.00
Stationary And Stocks 44,010.16
Stamp In Hand 5,180.00
Advance Tax 162,370.00
Suspense General 2,458,671.01
2,865,053.75 Claim receivable (Deaf A/c.) 6,902.00 2,857,133.17
120,340,737.02 TOTAL Rs. 125,418,277.96 120,340,737.02 TOTAL Rs. 125,418,277.96
CONTINGENT LIABILITIES
5,180,000.00 Outstanding liabilities for guarantee issued
Sd/- Sd/- Sd/- Sd/-

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Lokeh èkjenkl lkÞc] ykfM+dk.kks flUèkq
ik.k •s •ksft
•kst dfj mu fnynkj fijhav th] tsdks ;d+hufu fny vUnj fcjkteku
vkgsA vkRek ,sa ijekRek esa jÙkhv Hkj i+QdqZ u vkgs ,sa u bZ dksbZ fc;ks mu
tfgM+ks vkgsA cbZ fgoqQ vkfgfu ,sa fgu lthv l`f‘v esa dksbZ fc gqufu ts
cjkcj u vkgsA bgk gh lrxq#v tks xq<+s jkt+ okjh fl[;k vFkbZA ik.k fc
euu] è;ku djs fMlq r dhav ghm lHk vkRek tks peRdkj vkgsA
¶Lokeh èkjenkl¸ tfu vlka•s fc lykg fM;fu Fkk r fc;wa lHkbZ vk'kkÅa
NM+s djs rwa ijekRek ts fofp=k tyos •s iafgats vUnj gh xksfYgA
DISCOVER SELF
Peep within to find Him who is omnipresent. There is not even an
iota of doubt between Soul (Atma) and God (Parmatma). They both
are just ONE and none else in this universe can match both. This is
the essence of Satguru’s sacred sermon. Put your efforts in, to verify
this through constant meditation and intelligent contemplation.
“Swami Dharam Dass” ji advises us to leave aside all desires and
have just one desire to explore mystic Him within.
vius vki dks •kstks!
•kst djks ml fnynkj fç;re dh] tks çekf.kr :i ls fny osQ vUnj
fojkteku gSA vkRek vkSj ijekRek esa ,d jÙkh Hkj Hkh i+Qd+Z ugha gS_ blesa
dksbZ 'kd ugha gSA nksuksa ,d gSa vkSj mu tSlk bl l`f‘ esa dksbZ Hkh ugh gSA
;g lrxq# dh xgjs jkt+ okyh f'k{kk gSA rqe Hkh fpUru] euu djosQ ns•ks
fd oSQlk vkRek dk peRdkj loZ=k fn•kbZ ns jgk gSA
¶Lokeh èkjenkl¸ th lykg nsrs gSa fd viuh lHkh vk'kkvksa dks NksM+dj]
,d gh vk'kk ijekRek osQ fofp=k tyos dks vius vUnj <wa<us dh j•ks
"Sindhu Easy Access (Delhi)" tokgj cksyok.kh 9873322022
lrxq: fl[;k
fj'rs tksM+us ds fy,
fopkj.kh; rF;
vkt dkiQh yM+fd;ks osQ ek¡ cki viuh
csfV;ks dh 'kknh es cgqr foyac dj
jgs gS ]mudks vius cjkcjh osQ fj'rs
ilan ugh vkrs vkSj tks cM+s ?kj ilan
vkrs gS mudks yM+dh ilan ugh vkrh]
'kknh dh lgh mez 22 ls 27 rd gS ij
vkt ek¡ cki us vkSj vPNk djrs djrs
mez 30 ls 36 dj nh gSA ftlls mudh
csfV;ks osQ psgjs dh ped Hkh de gksrh
tkrh gSA vkSj vfèkd mez esa 'kknh gksus
osQ mijkar oks yM+dk ml yM+dh dks
oks I;kj ugh ns ikrk ftldh gdnkj
oks yM+dh gSA fdlh Hkh lekt es 30»
fMokslZ dh otg ;gh fn•kbZ ns jgh gSA
vkt thus dh mez NksVh gks pqdh gS
igys dh rjg 100+ ;k 80+ ugh gksrh]
vc rks osQoy 65 rd thus dks fey
ik;sxk blh otg ls vkt yM+osQ mez
ls igys gh cw<+s utj vkrs gS lj xatk
gks tkrk gSA
vkt T;knkrj yM+dh okys yM+osQ okykas
dks gk¡ ;k uk dk tokc ugh ns jgs gaS]
laHkor% oqQN yksx eu es vkidks cqjk
Hkyk cksyrs gksaxs vki viuh ykM+yh
dk ?kj clkus fudys gS] fdlh dk
vieku djuk vPNk ugh gksrk Ñi;k
vki yM+osQ okyks ls lEekutud <ax
ls t:j ckr djasA
oqQaMyh feykdj ftUgksaus Hkh fj'rs fd,
vkt muosQ Hkh fj'rs VwVs gSa] fiQj vki
yksx D;ksa oqQaMyh dk ftØ dj osQ
fj'rk Bqdjk nsrs gSaA bfrgkl xokg gS
gekjs iwoZtkas us 'kk;n dHkh oqQaMyh
ugha feykbZ vkSj loqQ'ky viuh 'kknh
dh 75oha lkyfxjg rd eukbZ] vkt
oqQaMyh dks ekè;e cukdj cPpksa dks
?kj fcBkdj j•s gq, gSaA mez c<+rh
tk jgh gS] vkrk tkrk gj ;kj nksLr
fj'rsnkj loky dj tkrs gaS dc dj jgs
gks 'kknh vkils 10 o"kZ de vk;q osQ
yksxksa dks 8 lky osQ cPps Hkh gks x,]
vki 32&35 esa 'kknh djsaxs rks vki
vius gh cPpksa 'kknh ds oDRk muds
nknk nknh utj vk,axsA
vki ?kj oSQlk Hkh p;u djas yM+dh
dk HkkX; mlosQ iSnk gksus ls igys gh
mlosQ deks± us fy• fn;k gS] HkkX; eas
lq• fy•s gaS rks vaèksjs ?kj es Hkh jks'kuh
dj nsxhA nq• fy•s gSa rks iSls okys Hkh
Mwc tkrs gSaA
vafre eas cl bruk gh dguk gS fd
vius cPpksa dh mez cckZn uk djs] xbZ
mez ykSV dj ugha vkrh nwljksa dks ns•
dj vius fy, oSlk fj'rk ns•uk ew•Zrk
gSA vki vius cPpksa dh c<+rh mez osQ
nq• dks lef>, fj'rk oks dfj, ftl
yM+osQ okykas esa ykyp uk gks] yM+dk
laLdkjh gks] tks vkidh csVh dks I;kj
djs] mldh bTtr djs] mez cgqr NksVh
gS vki brus tehu tk;nkn ns• dj
D;k dj ysaxs dkSu vius lkFk ,d
frudk Hkh ys tk ik;k gS cPpksa dh
ckdh mez muosQ thou lkFkh osQ lkFk
thus nhft, le; cgqr cyoku gSA
vkt dh yM+fd;ka i<+h fy•h gSa oks
vius ifjokj osQ lkFk oqQN vPNk rks
dj gh ldrh gaSA
viuh yM+fd;ksa osQ fy, lkèku laiÂ
?kj esa fj'rk ryk'kus dh ctk; laLdkjh
?kj es ryk'k djsa] ;ksX;rk gksxh rks
lkèku lEiÂ os •qn gks tk,axs vkSj lgh
ek;us esa rHkh mldh dæ djsaxsA
;fn dU;k okys eè;e oxhZ; ifjokj ls
gSa rks vius chp osQ ifjokj ls gh fj'rk
dfj, vkidh yM+dh viuk HkkX; •qn
laokj ysxhA
glhtk
ftíh cPpksa dks ;wa nsa
NksVs cPpksa dks [kkuk f[kykuk vklku
dke ugha gSA cPpks vDlj ?kj
ij cus [kkus ds ctk; ckgj dh
pViVh&ehBh phtsa [kkuk ilan djrs
gSaA cPps vxj gsYnh phtsa ugha [kkrs
gSa rks mudk 'kkjhfjd fodkl Bhd
ugha gksrk gS vkSj oks detksj vkSj
nqcys irys jg tkrs gSaA vkxs pydj
,sls cPpksa dh u yackbZ c<+rh gS
vkSj u gh lsgr vPNh jgrh gSA
vxj vkidk cPpk ?kj dk [kkuk
u [kkus dh ftí djrk gS rks ge
vkidks crkrs gSa dqN ,sls fVIl]
ftUgsa viukdj vki vius ftíh
cPpksa dks vklkuh ls gsYnh iwQM~l
vkSj ?kj dk [kkuk f[kyk ldrs gSaA
cPpksa ds [kkus dk
iSVuZ gksrk gS vyx
vkerkSj ij o;Ld fnu esa 3&4
ckj [kkuk [kkrs gSaA lqcg dk uk'rk]
nksigj dk [kkuk] 'kke dk uk'rk
vkSj jkr dk [kkukA ekrk&firk
vDlj cPpksa dks Hkh blh le; ij
[kkuk f[kykus dh ftí djrs gSaA exj
cPpksa ds [kkus dk iSVZu cM+ksa ls
vyx gksrk gSA cPPks vkerkSj ij
FkksM+h&FkksM+h phtsa fnuHkj [kkrs jgrs
gSaA blfy, cPps dks tc Hkh [kkuk
f[kyk,a] cgqr T;knk [kkuk ysdj u
cSBsaA vxj vki IysV esa FkksM+k lk
[kkuk ysdj cPps dks f[kyk,axh] rks
cPps dks [kkus ds fy, vklku gksxkA
gsYnh exj jaxhu phtas
cuk,a
vkidks tkudj gSjkuh gksxh dh
cPps Lokn esa T;knk jaxksa dh rjiQ
vkd£"kr gksrs gSaA blfy, cktkj esa
feyus okys T;knkrj iwQM~l dks jaxhu
vkSj ltkoV djds cuk;k tkrk gS]
rkfd cPps mudh rjiQ vkd£"kr
gksaA cPpksa dks blh lkbdyksth
dk bLrseky vki ?kj ij Hkh dj
ldrh gSaA cPpksa dks gsYnh [kkuk
f[kykus dk vklku rjhdk ;s gS fd
vki ?kj esa tks Hkh [kkuk cuk,a mls
jaxhu vkSj fn[kus esa vkd"kZd cuk,aA
tSls& ikLrk esa jaxhu lfCt;ka Mkysa]
vkWeysV dks VsMh fc;j ds 'ksi esa
cuk,a ;k cPpksa ds fy, tkuojksa ds
'ksi okyh IysV dk iz;ksx djsaA blls
[kkuk [kkus esa cPps dh fnypLih
tkxsxhA
è;ku HkVdus okyh
phtsa gVk,a
cPps tc Vhoh ns[ksa] xsEl [ksysa ;k
eksckby esa fcth gks] rks mUgsa [kkuk
f[kykuk eqf'dy gksrk gSA blfy,
dksf'k'k djsa fd [kkuk f[kykus
ds nkSjku bu vojks/ksa dks nwj dj
nsA Vhoh can dj nsa ;k cPps dks
ysdj fdlh vkSj dejs esa pyh
tk,a] eksckby vkj nwljs bysDVªksfud
xStsV~l nwj dj nsaA blls blls cPps
dk iwjk è;ku [kkus ij jgsxk vkSj oks
isV Hkj [kkuk [kk ysxkA è;ku j[ksa
fd cPPksa dks u de [kkuk f[kyk,a
u cgqr T;knkA vxj cPps us 'kke
dks dqN gSoh [kk fy;k gS vkSj jkr
esa [kkus ls euk dj jgk gS rks cgqr
T;knk ftí u djsaA
[ksy [ksy esa f[kyk,a
[kkuk
cPpksa dks [kkuk f[kykus dk ,d
vklku rjhdk ;s gS fd vki mls
[ksy&[ksy esa [kkuk f[kyk,aA 'kq:vkr
ls gh vxj cPpk cgqr de [kkuk
[kkrk gS ;k [kkus&ihus esa ftí djrk
gS] rks vki dqN ,sls rjhds [kstsa]
ftulsa cPpk vkd£"kr gksA tSls&vki
cPps ds lkFk NksVk lk xse [ksy
ldrh gSa fd ,d fuokyk vki [kk,a
vkSj ,d cPpk [kk,] o [kkus dks
fdlh dgkuh ls tksM+dj f[kyk,aA
blls cPps [ksy&[ksy esa i;kZIr
[kkuk [k ysrs gSaA
?kj ij cuk,a isQfojV
phtsa
cPpksa dks vDlj uwMYl] fiTtk]
cxZj] lSMfop] ikLrk jksYl] leksls
eksekst vkfn ilan vkrs gSaA cPps
dks ckgj ;s phtsa f[kykus ds ctk;
vki ?kj ij gh bUgsa gsYnh rjhds ls
cuk,aA cPpksa ds fy, ;s iwQM~l cukrs
le; eSns ds ctk; vkVs ;k lwth
dk iz;ksx djsa vkSj T;knk ls T;knk
lfCt;ka MkysaA
gsYnh iwQM~l
Lokeh /eZnkl njckj yktir uxj esa Lokeh /eZnkl th
dk Jk¼ 15] Lokeh islwjke th dk Jk¼ 16] Lokeh
vVyjke th dk 27 flrEcj dks euk;k tk,xkA bl
volj ij lRlafx;ksa }kjk lq[keuh lkfgc dk lkewfgd
ikB gksxkA nhnh fueZy pSukuh o iq#"kksÙke }kjk xq:ok.kh
ij vk/kfjr 'kCnksa o dyke lkfgcksa dh ekSt ds i'pkr
czkã.k Hkkst o vke Hk.Mkjs dk vk;kstu fd;k x;k gSA

Printed & Published by Mahesh Chhabria, Owned by Mahesh Chhabria Printed At New Gian offset Printers, 495, DDA Complex,Shahzada Bagh, Delhi-35 | Printing Date: 01-09-2019
Date of Publication: 01-09-2019 | Published At : BU-126, Vishakha Enclave, Pitampura, Delhi-110034 | Editor: Mahesh Chhabria, R.N.I. 47193/87, G-3/DL (N)/091/2018-20
Hkjr okrokuh dh vè;{krk esa v'kksd fogkj esa fudyh HkO; >wysyky 'kksHkk;k=kk dk loZ lektksa }kjk vfHkuUnu
fo'o dY;k.k dh dkeuk ls lk/qcsyk ds lk/qvksa ,oa HkDrksa dh lgHkkfxrk
fo'o dY;k.k dh dkeuk ds lkFk lk/qcsyk ds lk/qvksa Lokeh xkSjh'kadjnkl th] lnxq: nyhi flag th (uke/kjh) dh laxr] HkkbZ ij;y nkl (lPpks lrjke/ke] fnYyh) o vU; x.kekU;tuksa
dh mifLFkfr ds eè; Hkjr okrokuh dh vè;{krk esa Jh >wysyky /ke v'kksd fogkj dh HkO; 'kksHkk;k=kk dk vk;kstu liQyrkiwoZd lEiUu gqvkA bl o"kZ fnYyh ds flU/h lekt ds lkFk
Hkkjr ds vU; izkUrksa ls x.kekU;tu 'kksHkk;k=kk esa lfEefyr gq,A 'kksHkk;k=kk dk ekxZ esa loZlektksa] jktuhfrd nyksa o J¼kyq HkDrtuksa }kjk vfHkuUnu fd;k x;kA

Dil E Sindh 1st Sept 2019

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