Education loan

307 views

Published on

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total views
307
On SlideShare
0
From Embeds
0
Number of Embeds
2
Actions
Shares
0
Downloads
2
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Education loan

  1. 1. t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf nlIft ju {{ z } lIfs C0f sfo { qmd
  2. 2. nlIft ju {{ z } lIfs C0f sfo { qmd rf w jif b lvsf dbg e08f L d lt k|lti7fgsf cgej==rf}}w jif{{ b]]lvsf]] dbg e08f//L ::d[[lt k|lti7fgsf]] cgej=== æcfly { s cj : yf sdhf ]/ ePsf ] u / Lj kl / jf / sf ] Pp6f JolQmn ] dfq eP klg lzkd " ns k|fljlws lzIff xfl ; n ug { ; s ] sf ] v08df p ; n ] cfk " mnfO { st } g st } / f ] huf / L u /]/ jf cfkmg } Aoj ; fo ;~ rfng u /]/ eP klg l ;+ uf ] 0f k|lti7fgsf xg ; xg clwsf dvL sfo qmd xf kl / jf / sf ] ;/ sf /, vfgkfg lhjg : t /t//0f k|lti7fgsf ]] /;/ ff]]sf /, , clwsf //dvL/ sfo {{qmd xf
  3. 3. nlIft ju {{ z } lIfs C0f sfo { qmd lzk / k|ljlw ljgfsf] Aofj;flos C0fsf Kofs]hn] dfq ;fFrf] cy{df j]/f]huf/L 36g / lhjg:t/df ;wf/ cfpg ;Sb}g eGg] tYo ljut %) jif{ b]lvsf] g]kfnL ljsf;] ul/jL, j]/f]huf/L] /k|i6 b]vfO{ ;s]df ] cGt./ ;DjlGwt lzk Ps csf{ sf 5 5g . lzk cgejn f]huf/L gkfO{g], /f]huf/L gkfP cfo geP / gxg], cfo geO{ lzk cfh{g ug{ g;lsg] xgfn] ul/jL s} sf/0f jx;+Vos dflg;x? lzk / lzIffjf6 jlGrt ePsf] cj:yf 5 . of] hfnf]nfO{ RofTg z}lIfs sfo{qmd k|fljlws tyf lzkd"ns e} ul/jL lgjf/0f tkm{ pGd"v xgkb{5. To; sf/0f dbg e08f/L :d[lt k|lti7fg g]kfnn] nlIft ju{ z}lIfs C0f sfo{qmdsf] cjwf/0ff cuf8L ;f/L/x]s]f 5 .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  4. 4. nlIft ju {{ z } lIfs C0f sfo { qmd kl of hgf M kl //of ]]hgf M k|fljlws lzIff tyf Joj ; flos tflndsf nflu bnLt , plTkl8t , hghftL , åGå kLl8t tyf ul / j dlxnfx?sf nflu z } lIfs C0f sfo { qmdt//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  5. 5. nlIft ju {{ z } lIfs C0f sfo { qmd p2 ZoM p2 ]]ZoM  ul/a, blnt, pTkLl8t tyf dlxnfx?nfO{ k|fljlws tyf lzkd"ns Aofj;flos lzIffdf cWoog C0fsf] df}sf k|bfgu/L ul/jL Go"gLs/0fdf of]ubfg ug]{ .  g]kfndf nlIft ju{{sf] nflu cWoog C0fsf] gofF cjwf/0fnfO{ Aofjxfl/s ?kdf gdgf :j?k kl/If0f u/L ;/sf/ tyf cGo ;/f]sf/jfnfx? ljr cgej cfbfg k|bfg u/L Ps /fli6«o gLlt lgdf{0fdf of]ubfg k¥ofpg] .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  6. 6. nlIft ju {{ z } lIfs C0f sfo { qmd nIo M nIo M k|lti7fgdf cWoog ug{ cfpg] cfly{s cj:yf sDhf]/ ePsf blnt, plTkl8t, hghflt, dlxnf / 4Gb lkl8t != sIff * kf; eO{ bzf} sIff plt{0f ePsfx?nfO{ !)) k|ltzt -;tk|ltzt xfl;n_ @= k|fljlws SLC sf] z}lIfs sfo{qmddf %) k| ltzt -!% k|ltztsf] nIo xfl;n_ #= k|lj0ftf k|df0fkq tx / l8Knf]df z}lIfs sfo{qmddf @% k|ltzt-!) k|ltzt nIo xfl;n_ pQm k|:tfljt nIonfO{ cfufdL % jif{ leqdf xfl;n ug{ k|lti7fg lqmoflzn /x]sf] 5 .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  7. 7. nlIft ju {{ z } lIfs C0f sfo { qmdt ju { z } lIfs C0fsf ]]ifsf ]] Joj ::yfM ju { z } lIfs C0fsf ifsf Joj yfM  dbg e08f/L :d[lt k|lti7fgn] :yfkgf u/]sf] dbg e08f/L 5fqj[lQsf]ifaf6 56ofO{Psf] ljpF k"hL sf]ifsf] /sd / 5fqj[lQ sfo{qmdaf6 ?kfGtl/t ;xof]u,  ul/jL lgjf/0f sf]ifaf6 k|fKt ljp k"hL,  ljleGg /fli6«o tyf cGt/fli6«o ;+:yfaf6 k|fKt ;xof]u,  :yflgo lgsfo;+usf] xft]dfnf] sfo{qmdaf6 k| fKt /sd/5fqj[lt sfo{qmdaf6 ?kfGtl/t ;xof]u,t//0f k|lti7fg / cGo f;dfg/, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ]] ;/ f]]sf /, clwsf dvL sfo ; qmd xf  k|lti7fgsf ;/ sf p2]Zo /fVg] ljleGg
  8. 8. nlIft ju {{ z } lIfs C0f sfo { qmd{ z } lIfs C0fsf ifsf Joj yfg ;+ r{ z } lIfs C0fsf ]]ifsf ]] Joj ::yfg // ;+ rf z}lIfs C0f sfo{s|d tyf sf]if ;+rfngsf nflu lgDg cg;f/sf k|s[ofx? cjnDjg ul/g]5 .  z } lIfs C0f sf ] if ;+ rfng ; ldltM z}lIfs C0f sfo{s|d ;+rfng ug{ & ;bl;o ;ldlt /x]sf] 5 .  z } lIfs C0f sf ] if ;+ rfng ; ldltsf ] sfd , st { Jo / clwsf / M tf]lsPsf] k|s[ofåf/f k|lzIffyL{ 5gf}6 ug]{, z}lIfs C0f ls6fg / kl/rfng, k|:tfljt tflndsf] cgudg, d"NofÍg tyf k[i7kf]if0f ;fy} k/fdz{, ahf/Ls/0f, C0f c;nLsf] k|lqmof;Fu ;DalGwt gLltut lgb]{lzsf / k|lqmof lgwf{/0f ug]{ .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  9. 9. nlIft ju {{ z } lIfs C0f sfo { qmdfs C0f k|fKt ug ]{ dVo cfwf x?Mfs C0f k|fKt ug ]{ dVo cfwf //x?M s_ kl/of]hgf If]qaf;L xgkg]{, v_ blnt, hghftL÷åGb lkl8t, dlxnf xgkg]{, u_ ;j} nlIft k|lzIffly{ cfly{s ljkGg÷ul/j xgkg]{, 3_ k|lzIf0f cjlwe/ k"0f{ ?kdf ;fd]n xg] k|ltj4tf ePsf] xgkg]{, ª_ k|lzIf0f kZrft cfkmg} If]qdf /f]huf/L k|fKt u/L jf :j/f]huf/ eO{ sfd ug]{ k|ltj4tf ;lxt To:tf /f]huf/L tyf :j/f]huf/Ldf ;xof]u ug]{ ;+:yf, ;dx tyf sDklgsf] k| ltj4tf k|fKt ePsf] xgkg]{, r_ k|lti7fgsf] C0f 5fqj[lQ nufgL–eQmflgsf zt{x? k"0f{ kfngf ug]{ k|ltj4tf xgkg]{, 5_ Gogtd cfwf/e"t :t/sf] k|j]z kl/Iffdf kf; xgkg]{,t//0f k|lti7fgsf ]]] ;/}f]]sf /, ]Uotf eO{ cWoog {{qmd xf 0f lgwf{l/t txsf z flIfs of clwsf //dvL sfo ug{] xf h_ k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd
  10. 10. nlIft ju {{ z } lIfs C0f sfo { qmdkl //of ]]hgfsf ll;;h { gzLn kIfx? Mkl of hgfsf h { gzLn kIfx? M  ul/a kl/jf/sf blnt, hghftL, 4Gb lkl8t tyf dlxnfx?aLr k|fljlws lzIffsf] kxFr clej[l4 .  cf7f}+ sIff kf; tyf 6]i6 km]n eO{ pRrlzIffsf] cj;/af6 al~rt, cfly{s cj:yf sdhf]/ ePsf ojf ojtLx? k|fljlws 1fg, ;Lk dfkm{t cfTdlge{tf tkm{ pGdv .  k|fljlws / Jojxfl/s lzIff dkm{t ;Ifd / k| lt:kwL{ Ifdtfsf] ljsf; .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  11. 11. nlIft ju {{ z } lIfs C0f sfo { qmd • ;dbfosf] :jfdLTjdf ;~rflnt sfo{qmd kl //of ]]hgfsf ll;;h { gzLn kIfx?M kl of hgfsf h { gzLn kIfx?M != ;dbfosf] ;xeflutf @= ;fdbflos lg0f{o tyf k|fyldsLs/0f #= ;fdbflos tyf ;+:yfut hdfgL $= ;fdbflos cgudg %= /f]huf/L tyf :j/f]huf/sf nflu ;+:yfut ;xhLs/0f tyf k/fdz{ ^= cWoog cjlwe/ Jofh b/ zGo / Joj;fo k| j4{g÷vf]hsf nflu 5f]6f] cjlw;Dd Jofh ;xlnot &= Joj;fo :yfkgfsf] nflu aLp k"FhLsf] ;d]t Joj:yf *= :jcfh{gsf] @%Ü dfl;s÷jflif{s c;nLk|lt jrg j4tf (= C0f ltg{k5{ eGg] hfu/0fsf nflu g}lts lzIffsf] cltl/Qm lzIf0f !)= hf]lvdsf] Go"lgs/0fsf nflu ;fdbflos, ;/sf/L tyf ; +:yfut xft]dfnf] !!= ;xsf/L tyf ljQLo ;+:yfdfkm{t C0f c;nLsf] ;~hfnt//0f!@= z}lIfs k|df0fkqsf]/,c:yfoL JojdvL nflu k|0ffnLsf]xf 0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf // :yfsf sfo {{qmd xf k|lti7fgsf ;/ sf clwsf dvL sfo qmd
  12. 12. nlIft ju {{ z } lIfs C0f sfo { qmdkl of hgfsf sfo { Gjog k|lqmofMkl //of ]]hgfsf ]] sfo { Gjog k|lqmofM  ljleGg ;fdbflos, ;/sf/L, u}x|;/sf/L ;+3 ;+:yfx? tyf ;/f]sf/jfn;Fu Jofks 5nkmn, cGt/lqmof tyf sfo{zfnfx? ;~rfng  ;dbfodf cfwfl/t ;xeflutfTds 5gf}6 k|lqmof  ;dbfo / ;+3 ;+:yfx?sf] l;kmfl/; .  k|j]zsf nflu lnlvt tyf df}lvs kl/Iff .  ;d"xut l;kmfl/; tyf hdfgtdf C0f k|jfx  cfjf;Lo Joj:yfdfkm{t k|of]ufTds tyf Jojxfl/s l;sfOdf a9L hf]8t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  13. 13. nlIft ju {{ z } lIfs C0f sfo { qmdkl//ofnflu cledvLs/0f { Gjog k|lqmofMkl  ;d"hgfsf ] sfo{{ g}tLs lhDd]jf/Lsf] af]wsf of]]hgfsf ] sfo Gjog k|lqmofM x / cleefjsx?nfO  ;}4flGts 1fgkl5 sfo{d"ns /f]huf/Lsf nflu l;sfO ug{ ;DalGwt If]qdf cfjlws k|j]z  k|fljlws lzIff tyf Joj;flos tflnd kl/ifb (CTEVT) sf] zLk kl/If0f dxfzfvfåf/f ;Lk kl/If0f tyf k|df0fkq ljt/0f  k|fljlws lzIff tyf Joj;flos tflnd kl/ifb (CTEVT) sf] kl/Iff dxfzfvfåf/f k|fljlws lzIffsf] xsdf ljlw;+jt kl/Iff  pTkflbt hg;lQm ;/f]sf/jfnf ;dbfodf x:tfGt/0f sfo{qmddfkm{t ;fdlxs hjfkmb]xL efjgfdf ljsf;  pBdsf] :yfkgf tyf /f]huf/Lsf nflu cfjZos Joj:yfsf nflu kxnsbdL  cfjlws cgudg, lg/LIf0f tyf :t/ j[l4sf nflu yk t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  14. 14. nlIft ju {{ z } lIfs C0f sfo { qmd xfn ;; Ddsf ] xfn @)^@M kl/If0f sfo{qmd Ddsf ] k|ultM k|ultMljifoM ;fdbflos s[lif ;xfos;+VofM #@ hgf -dlxnf @(, k?if #_ blnt !&, cflbjf;L hghflt *ljifoM ;fdbflos kz ;xfos;+VofM #$ -dlxnf !^, k?if !*_ blnt !^, cflbjf;L hghflt !!lhNnfM Onfd, bf]nvf, emfkf, df]/+u, cf]vn9∙f, /fd]5fk, ;g;/L, pbok"/, tfKn]h·, ;Kt/L, ;+vjf;ef k|ljlw x ::tfGt //0f k|lti7fgsf ]] ;/ ff] k|ljlw x tfGt 0f k|lti7fgsf ;/ clwsf dvL sfo { qmd xfd|f cf; fem ] bf / ;+: yfM TfE,clwsf //dvL sfo { qmd xfd|f ]] cf Plan,
  15. 15. nlIft ju {{ z } lIfs C0f sfo { qmd sfo{xfn;@)^#M ] qmd Ddsf xfn ;Ddsf ] k|ult {ljj 0fM k|ultsfoljj //0fM$M  qmd @)^ljifoM ;fdbflos s[lif ;xfos ljifoM ;fdbflos s[lif ;xfos;+VofM @) hgf ;+VofM #) hgfljifoM ;fdbflos kz ;xfos ljifoM ;fdbflos kz ;xfos;+VofM @$ hgf ;+VofM #) hgf blnt !$, cflbjf;L hghflt !& ljifoM l;PdP @, cgdL #, e]6ljifoM l;PdP %, cgdL $, e]6 h]l6P !! / gl;{·, :jf:Yo ;xfos / h]l6P % hgf l8Knf]df s[lif !) hgflhNnfM Onfd, emfkf, df]/ lhNnfM Onfd, emfkf, df]/ +u, ;g;/L, pbok"/, l;/fxf, +u, ;g;/L, pbok"/, l;/fxf, ;Kt/L ;Kt/L, /fd]5fk, Ko7fg,; fem ] bf / ;+: yfM TfE, Plan, l;GwnL, bf]nvf, ?kGb]xL RRN, LWF, PAF / dbg ; fem ] bf / ;+: yfM PAF, dbg e08f/L :d[lt k|lti7fg g]kfn / e08f/L :d[lt k|lti7fg g]kfn /
  16. 16. nlIft ju {{ z } lIfs C0f sfo { qmd k|ult ljj 0f @ )^# M k|ult ljj //0f @ )^# M  sfo{qmdaf6 l;PdPtkm{ %, cgdLtkm{ $, kz :jf:Yotkm{ %, ;fdbflos kz ;xfos tkm{ @$, ;fdbflos s[lif ;xfos tflndtkm{ @) hgf u/L hDdf %* hgf k| lzIffyL{x? nlIft ju{ z}lIfs C0faf6 nfeflGjt eO{ k|fljlws tyf Joj;flos ;Lk xfl;n u/]sf 5g .  pQm k|lqmofdf l;/fxf, df]/ª, emfkfsf kz :jf:Yo ;xfos -Vet JTA_, ;fdbflos :jf:Yo ;xfos -CMA_, gl;{ª :jf:Yo ;xfos -ANM_ df ;[hgf ;fdbflos ljsf; s]Gb|, ejfgL PsLs[t ljsf; s]Gb|, s[lif jg k|fljlws s]Gb|, u|fd Hof]lt ljsf; s]Gb|, hgHof]lt ;dfh u|fd;]jL, lzjzlQm ojf Sna, l5d]s ;dfh ;+:yf, lwdfn hflto pTyfg s]Gb|;d]t ;fdlxs hjfkmb]xLdf !% hgf ljBfyL{sf] egf{ .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  17. 17. nlIft ju {{ z } lIfs C0f sfo { qmdxfn Ddsf k|ult ljj 0f @ )^# Mxfn ;;Ddsf ]] k|ult ljj //0f @ )^# M ! jif]{ kz :jf:Yo ;xfos -CLA_ sfo{qmddf l;/fxf, df]/ª, emfkfsf ljleGg ;fdbflos ; +:yfx?sf] l;kmfl/;df !% dlxnf;lxt #% hgf k| j]z ePsf 5g ;fdbflos s[lif ;xfos/ ;fdbflos kz ;xfos tflnddf cWooog/t k|lzIffyL{x?n] sfo{ut tflndsf] qmddfg} ;xof]uL ;+:yf/ k| lti7fg/ JolQmut nufgLdf Joj;flos df}/L kfng -@ hgf_, j+u/ kfng -! hgf_, sv/f kfng -& hgf_, Rofp v]tL, t/sf/L v]tL -@t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  18. 18. nlIft ju {{ z } lIfs C0f sfo { qmdxfnfdbflos ] ÷s[lif ljj sfo @ )^# M Ddsf k|ult ljj 0f @ cGt Mxfn;;;Ddsf ]kzk|ult ;xfos //0f {qmd)^# {utsf  k|lzIffyL{x?n] 3/ tyf 5/l5d]ssf dflg;x? nfO{ ;dt] Joj;flos v]tL tkm{ pTk]|l/t ug{ yfn]sf 5g .  æl;Sb} sdfpb}Æ eGg] k|lti7fgsf] ;f]r cg?k tflndsf] qmddf k|lti7fg;Fusf] ;xsfo{df ;fdbflos kz÷s[lif ;xfos sfo{qmd cGt{utsf k|lzIffyL{x?n] ;d"xut sv/f kfng, j+u/ kfng, ;fdlxs v]lt dfkm{t sl/j ? $),))). cfo cfh{g u/]sf 5g h;nfO{ C0f s6f}ltsf] k|s[ofdf cuf8L a9fO{Psf] 5 . o;nfO{ cWoog C0ft//0f 0f rStf ug]{ ]k|offfsfsf/, clwsf //dvL lnPsf]qmd xf k|lti7fgsf ] ;/ ; ]]sf /, clwsf ?kdf sfo {{qmd. xf k|lti7fgsf ;/ ] yfngLsf] dvL sfo 5
  19. 19. nlIft ju {{ z } lIfs C0f sfo { qmd xfn ]; Ddsf ] ]k|ult {ljj /0fM xfn xftf leq sf] kmfd / 0fM  k|lti7fgsf; Ddsf ] /xk|ult ljj / aflx/ lnhdf lnP/ k|lti7fgn] k|of]ufTds lzIffsf ;fy} k|lzIffyL{x?sf] C0fsf] ef/ sd ug{ æl;Sb} sdfpb}Æ eGg] ;f]rnfO{ Jojxf/df ptfg{] k|of;sf] yfngL u/]sf] 5 .  cWoogsf] qmddfg} ;fdbflos kz÷s[lif ;xfos sfo{qmd cGt{utsf k|lzIffyL{n] cfkmgf] ;Lk tyf 1fgnfO{ ;dbfodf k|of]u ug{ yfn]sf 5g . h:t} kz pkrf/, vf]k, s[lifdf ;Nnfx lbP/ ;fdbflos ;]jfsf lqmofsnfkx?df ;+nUg xg yfn]sf 5g .  ;fdbflos kz÷s[lif ;xfos sfo{qmd cGt{utsf k| lzIffyL{x?df cfkmgf] of]Uotfsf ;fy} cfly{s, ;fdflhs, ef}uf]lns cj:yf ;xfpbf] Joj;fosf] 5gf}6, k|fyldsLs/0ft//0f / k|lti7fgsf0f ;/ ff]]sftkmclwsf //dvL sfo {{qmd xf 0f ah]6 lgdf{ ]] ug]{sf/, { pGdvdvL sfo .qmd xf k|lti7fgsf ;/ /, clwsf ePsf 5g
  20. 20. nlIft ju {{ z } lIfs C0f sfo { qmd xfn Ddsf]] k|ult ljj 0fM k|ult ljj nIo k|flKtsf nflu /fli6«o of]hgf cfof]usf pkfWoIf xfn ;;Ddsfdfglgo ;b:ox?, //0fM d+qfno ;lxt ;DalGwt lzIff nufot ;xsf/L ljefu ;d]tdf k6sk6s 5nkmn / cGt/lqmof ;DkGg eO{ sfo{qmdnfO{ ;s/fTds ? kdf lnPsf] . ljleGg /fli6«o tyf cGt/fli6«o u};;sf ;fy} /fli6«o ;xsf/L dxf;+3, ;fdbflos ag pkef]Qmf dxf;+3 nufotsf ;fdbflos ;+:yfx?;Fu ljleGg r/0fdf 5nkmn xFbf k|lti7fgsf] nlIft ju{ z}lIfs C0f sfo{qmdsf] cjwf/0ffnfO{ ;sf/fTds ?kdf lnPsf] . g]kfn ;/sf/ lzIff ljefusf] k|ljlws lzIff tyf Joj;flos tflnd kl/ifb4f/f nlIft ju{nfO{ lbg] 5fqj[lQ sfo{qmdnfO{ xfn kl/If0fsf] ?kdf nlIft ju{ z}lIfs
  21. 21. nlIft ju {{ z } lIfs C0f sfo { qmd kl /x?nfOhgfsf ll;;sfOx?M kl of ] { k|of] sfOx?M • k|lzIffyL{/of ] hgfsf ufTds sIffdf a9L ;+nUg u/fpbf a9L k|efjsf/L xbf]/x]5 . • ;d"xut lqmofsnfkdf ;+nUg u/fpFbf cltl/St ;Lk ljsf; xFbf]/x]5 . • æl;Sb} sdfpb}Æ eGg] ;f]r ul/a ;dbfosf k| lzIffyL{x?sf nflu cToGt k|efjsf/L xFbf]/x]5 . • k|lzIffyL{x?sf] j;f]jf; Ps} :yfgdf eP pTkfbg lqmofsnfkx?df ;xh xFbf]/x]5 . • z}lIfs C0fdf cWoog ug{ cfpg] k|lzIffyL{x? nfO{ of ] cgbfg xf ] Og C0f xf ] olb o ; nfO { lkmtf { gul / Pdf csf ]{ Ps u / La ; fyL cWoogaf6 alGrt xG5 ; fy } of ] ul / jL Golgs / 0f ug ]{ xft ] dfnf ] sfo { qmd xf ] eGg] ljifonfO{ ;Dj4 ;a} ;fem]bf/ ;+:yfx?n] :ki6 ug{ ;s]t//0f k|lti7fgsf ]] xgf]]sf ]/, .clwsf//dvL sfo {{qmd xf 0f k|lti7fgsf ;/ f] sf/, clwsf dvL sfo qmd xf C0f c;nL ;xh ;/ /x 5
  22. 22. nlIft ju {{ z } lIfs C0f sfo { qmd kl of hgfsf an kIfM kl //of ]]hgfsf ;;an kIfM • o; sfo{qmd cGt{tu ul/a, blnt, dlxnf Pj+ hghfltn] klg cWoogsf] df}sf kfpg . • ul/jL Go"lgs/0fsf nflu k|:tfljt gLltsf] ;Tofkgsf] cg;Gwfg z? ePsf] . • nlIft ju{{leq cfwf/e"t k|fljlws hgzlQm pTkfbgsf nflu 7f]; cfwf/ :yfkgf ePsf] . • lg/k]If ul/jLsf] /]vfdgL /x]sf kl/jf/leq cfwf/e"t k|fljlws lzIffn] cf}krfl/s tyf ;+:yfut ?kdf k|j]z kfPsf] / lgDg :t/ / dWod :t/sf] k|fljlws hgzlQm ul/j kl/jf/ leq klg tof/ ePsf] . • ul/ax?leq >d ug]{ ;+:s[lt / OdfGbfl/tf xg] ePsfn] C0f hf]lvddf kg]{ ;Defjgf Go"g /x]sf] . • ;/f]sf/jfnf ;dbfo, ;+:yf;Fu ;dGjo / ;xsfo{sf] clej[l4 xg] ePsf] . • ;fdlxs efjgfsf] ljsf; tyf ;+:yfut xft]dfnf] sfo{qmdn]t//0f hfk|lti7fgsf ]]0fdfff];sf /, ePsf] . //dvL sfo {{qmd xf 0f ]k|lti7fgsf/ ;/ ]xhtf clwsf dvL sfo qmd xf lvd Go"lgs ;/ sf /, clwsf
  23. 23. nlIft ju {{ z } lIfs C0f sfo { qmd kl of hgfsf rgf } tLx?M kl //of ]]hgfsf rgf } tLx?M • k|lzIffyL{x?sf] ;fdbflos / ;fF:s[lts ljljwtfsf sf/0f ;d"xut lqmofsnfkdf ;+nUg u/fpg z?jftdf s]xL cK7of/f] . • z}lIfs :t/ sDhf]/ xg] k| lzIffyL{x?nfO{ ljifo j:tsf] ;}4flGts kIf /fd|/L aemg / n]Vg sl7g xg] .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  24. 24. nlIft ju {{ z } lIfs C0f sfo { qmd  C0f sfo{qmd ePsf] xgfn] lgDg cfo ePsfnfO{ ; +3÷;+:of ] hgfsf lbg c;lhnftLx?M kl //yfx?nhgfsf rgf } tLx?M. kl of ] ] hdfgt rgf } ] dfg]sf]  ;dbfo÷;+3 ;+:yfx?n] ;DalGwt kIfnfO{ cledvLs/0f ug]{ l;nl;nfdf ;/sf/L cgbfg tyf 5fqj[lQ sfo{qmd / nlIft ju{ z}lIfs C0f sfo{qmddf /x]sf] km/snfO{ aemg g;ls ljp k"hLnfO{ cgbfgdf cfPsf] cfPsf] k};f xf] egL e|d pTkGg xg] u/]sf]] xgfn] sfo{qmdsf] dd{nfO{ cfTdf;fy u/fpg ;DalGwt ;a} kIfn] ;fdlxs k|oTg ug{kg]{ b]lvPsf] .  l;kmfl/; ug]{ ;dbfo jf ;+3 ;+:yfn] 5gf}6sf] k| lqmofdf nlIft ju{df kUgsf nflu ko{fKt Wofg k/ofpg g;s]sf] .  ljleGg ;dbfo / ;+3 ;+:yfx?sf] z}lIfs C0ft//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  25. 25. nlIft ju {{ z } lIfs C0f sfo { qmd kl//of ] hgfsf nflu cGt/lqmof kZrft lgdf of 5gf}6sf yk lhDd jf Lx?M •klJoj;fo]hgfsf yk lhDd ]]jf //Lx?M {0f ePsf]] Joj;fosf] k|fyldsLs/0f / k|:tfljt ah]6 nfO{ k|lzIffyL{x? sfo{ut tflndaf6 kmls{Pkl5 Joj;flos of]hgfnfO{ clGtd ?kdf tof/ ug]{ . • Joj;fo ;+rfng tyf /f]huf/sf nflu ;xlhs/0f tyf ;xof]u ug]{ . • nlIft ju{ z}lIfs C0f sfo{qmdsf nflu l;kmf/L; ug]{ ;DalGwt ;fdbflos ;+:yf / ;DefJo /f]hfuf/bftf jf :j/f]uf/Lsf If]qdf kg]{ :yfgLo ;xsf/L ;+:yfx?;Fu C0f c;nLdf ;xsfo{sf nflu ; +hfn lgdf{0fsf] k|s[of cf/De .t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ sf /, clwsf dvL sfo qmd xf
  26. 26. nlIft ju {{ z } lIfs C0f sfo { qmd • kl c;of hgfsf yk lhDd cleejsx?nfO{ kl nLsf] k|lqmofdf lhDd jf Lx?M C0f //of ]]hgfsf yk ;DalGwt ]]jf //Lx?M lhDd]af/L af]w u/fpg] ljifodf cGt/lqmof / 5nkmn ug]{. • cfjlws ?kdf ;DalGwt k|lzIffyL{x?nfO{ kg/tfhls tflnd tyf Joj;fodf cfO{ k/]sf sl7gfO{sf nflu ;xlhs/0f ug]{ . • ;DalGwt k|lzIffyL{x?nfO{ of] C0f xf]Og ul / jL Golgs / 0f ug ]{ / fli6 « o ;+ sNk k / f ug { sf nflu ; DalGwt JolQmn ] axg ug { kg ]{ Pp6f ljz ] if cleefj / fsf ; fy } Pp6f u / Ljn ] csf ]{ u / LanfO { ; xof ] u ug ]{ xft ] dfnf ] sfo { qmd xf ] eGg] efjgfsf] ljsf; u/fpg] . • ul / aL Go " lgs / 0f ug ]{ / fli6 « o ;+ sNk k / f ug ] { gLlt lgdf { 0fsf nflu /fli6«o /fhg}lts kf6L{x?, g]kfn ;/sf/, /fli6«o of]hgf cfof]udf z}lIfs C0f k|fKt ug{ ul/asf] clwsf/ xf] eGg] ljifo;Fu ;DalGwt /x]/ gLltt//0f lgdf{0fsf nflu ]]jsfntff]]sf]{/,. clwsf //dvL sfo {{qmd xf 0f k|lti7fgsf ;/ ug /, clwsf dvL sfo qmd xf k|lti7fgsf ;/ sf
  27. 27. nlIft ju {{ z } lIfs C0f sfo { qmds s [[•lif g;xfosn ]] :yfkg s lif ;;{/L Joj tflndkl5 lgDgfg ;;ff//sf sfo {{ ug {{ ;;Sg ]]5g xfosn tflndkl5 lgDgfg sf sfo ug Sg 5g • t/sf/L pTkfbg • kmnkm"n pTkfbg • cGg v]tL÷bnxg afnL÷gub] afnL pTkfbg • lapm pTkfbg • dn Joj:yfkg • ljiffbL Joj:yfkg • km"n v]tL • df}/L kfng÷df5fkfng÷/]zdv]tL÷Rofp m v]tL k|ljlw yfkgtfGt //0f k|lti7fgsf ]] ;/ ff k|ljlw x :: tfGt 0f k|lti7fgsf ;/ • s[lif pkhsf] ahf/ Joj: x clwsf dvL sfo qmd xfd|f c clwsf //dvL sfo {{qmd xfd|f ]] cf
  28. 28. nlIft ju {{ z } lIfs C0f sfo { qmds kz ;;xfosn ]] tflndkl5 lgDgfg ;;ff//sf sfo {{ ug {{ ;;Sg ]]5gs kz xfosn tflndkl5 lgDgfg sf sfo ug Sg 5g • kzkfng / Joj:yfkg • gZn ;wf/ Joj:yfkgdf ;xof]u • cfxf/fsf] Joj:yfkg • e]8f afv|f kfng • /f]uaf6 kznfO{ arfj6 ug{ ;xof]u • hgfj/sf] k|fylds pkrf/ • hgf]l6s /f]usf] ljifodf kl/ro • cf}iflw Joj:yfkg • bU3 pTkfbgsf] Joj:yfkg • sv/fkfng / pTkfbg • pgsf] pTkfbg k|ljlw x ::tfGt //0f k|lti7fgsf ]] ;/ ff k|ljlw x tfGt 0f k|lti7fgsf ;/ clwsf dvL sfo qmd xfd|f c clwsf //dvL sfo {{qmd xfd|f ]] cf
  29. 29. nlIft ju {{ z } lIfs C0f sfo { qmd lbuf yflo agfpg fem bf x? larsf cGt /; Dlbuf ]] // ::yflo agfpg ;;fem ]]bf //x? larsf ]] cGt /; D nlIft o " jf ;dx
  30. 30. nlIft ju {{ z } lIfs C0f sfo { qmd ljutsf L / lzk j]/f]huf cgejMul/jL,ljutsf /cgejM Ps csf{df cGt/ ;DjlGwt 5g. lzk geP /f]huf/L gkfO{g], /f]huf/L gkfP cfogxg], ul/an] To;} lzk cfh{g ug{ gkfOg] xgfn]ul/jLs} sf/0f jx;+Vos dflg;x? lzk / lzIffjf6 jlGrtePsf] cj:yf 5 . of] hfnf]nfO{ RofTg z}lIfssfo{qmd k|fljlws tyf lzkd"ns e} ul/jL lgjf/0ftkm{ pGd"v xgkb{5 . ;Lk / k|ljlw ljgfsf] Joj;flosC0fsf Kofs]hn] dfq ;fFrf] cy{df ul/aL Golgs/0fu/fpg, j]/f]huf/L 36fpg / hLjg:t/df ;wf/ Nofpg;St}g eGg] tYo ljut ;/sf/x?4f/f ;+rflnt ;fgf ls;fgljsf; cfof]hgf, u|fld0f ljsf; a}+s, k|fyldStf k|fKt If]qshf{ sfo{qmd, ;fgf tyf 3/]n pBf]u ljsf; sfo{qmd,z}lIfs j]/f]huf/sf nflu C0f sfo{qmd h:tf ljz]if
  31. 31. nlIft ju {{ z } lIfs C0f sfo { qmdwGojfb .

×