ক্রেডিট প্রকল্প

ক্রেডিট প্রকল্পের নিয়মাবলী

†µwWU cÖKí

mvaviY  F‡Yi bxwZgvjv:

mwgwZ KZ…©K wbav©wiZ F‡Yi Av‡e`bc‡Îi mv‡_ wb¤œwjwLZ kZ© †g‡b cÖ‡qvRbxq KvMRcÎ Rgv w`‡Z n‡e t

1) m`m¨c` jv‡fi 6 gvm ci (7g gvm †_‡K) F‡Yi Av‡e`b I Rvwgb †`qv hv‡e| †m‡ÿ‡Î Aek¨B 6 gvm wbqwgZ (GKUvbv) †kqvi Rgv cÖ`vb Ki‡Z n‡e|

2) wba©vwiZ g~‡j¨i wewbg‡q FY Av‡e`bcÎ µq I c~iY K‡i †jvb †mKk‡b Rgv w`‡Z n‡e|

3) Av‡e`bKvixi m`¨ †Zvjv 2 Kwc Ges A½xKviKvixi 1 Kwc mv`v e¨vK MÖvD‡Ûi j¨ve wcª›U cvm‡cvU© mvB‡Ri Qwe|

4) Av‡e`bKvixi RvZxq cwiPqc‡Îi d‡UvKwc; cÖ‡hvR¨ †ÿ‡Î A½xKviKvixi RvZxq cwiPqc‡Îi d‡UvKwc Rgv w`‡Z n‡e|

5) Av‡e`bKvixi mwgwZi AvBwW KvW©|

6) †h‡Kvb F‡Yi Rb¨ wb‡Rimn Kgc‡¶ 02 (`yB) Rb Rvwgb`vi _vK‡Z n‡e| Gi g‡a¨ cwiev‡ii evB‡ii 01 (GK) Rb Rvwgb`vi _vK‡Z n‡e|

7) FY Av‡e`bKvix I Rvwgb`vi‡`i cvkeB‡Z Aek¨B mxjhy³ Qwe mshy³ _vK‡Z n‡e|

8) PvKzixi ‡ÿ‡Î-‡eZ‡bi mvwU©wd‡KU, wUb mvwU©wd‡KU, weMZ wZbgv‡mi e¨vsK †÷U‡g›U Ges Ab¨vb¨ Avqg~jK cÖgvYcÎ w`‡Z n‡e (cÖ‡hvR¨ †ÿ‡Î)|

9) e¨emvqx‡`i †ÿ‡Î – e¨emvi aiY Abyhvqx nvjbvMv` †UªW jvB‡mÝÕ, ÔwUb mvwU©wd‡KUÕ I Ôe¨vsK †óU‡g›UÕ Rgv w`‡Z n‡e Ges Ab¨vb¨ Avqg~jK cÖgvYcÎ w`‡Z n‡e|

F‡Yi Rvwgb:

01| bZzb m`m¨ nIqvi c‡i 7 (mvZ) gvm wbqwgZ n‡jB Rvwgb n‡Z cvi‡eb|

02| GKRb m`m¨ wb‡Ri FY mn m‡e©v”P 13wU F‡Yi Rvwgb n‡Z cvi‡eb|

03| GKB gv‡m GKwU F‡Yi †ekx Rvwgb n‡Z cvi‡eb bv|

04| GKB gv‡m FY MÖnY I Rvwgb †`Iqv hv‡e bv|

05| F‡Yi cÖ_g wKw¯Í cÖ`vb mv‡c‡¶ Rvwgb cÖ`vb Kiv hv‡e|

06| Ôµm RvwgbÕ F‡Yi Rvwgb wn‡m‡e we‡ewPZ n‡e bv|

07| †h‡Kvb F‡Yi Rb¨ wb‡Rimn Kgc‡¶ 02 (`yB) Rb Rvwgb`vi _vK‡Z n‡e| Gi g‡a¨ cwiev‡ii evB‡ii 01 (GK) Rb Rvwgb`vi _vK‡Z n‡e|

08| Av‡e`bK…Z F‡Yi Rb¨ †gvU UvKvi †P‡q wbR Rgvmn 10% †ekx Rvwgb w`‡Z n‡e|

09| AwbqwgZ m`m¨-m`m¨v‡`i Rvwgb MÖnY‡hvM¨ bq| wKš‘ m¤ú~Y© e‡Kqv wKw¯Í, my` I †kqvi cÖ`vb K‡i A‡b¨i Rb¨ Rvwgb n‡Z cvi‡eb|

10| nvDwRs, †mwfsm, †gqv`x AvgvbZ ¯‹xg, wmBGm I wewWGm Avgvb‡Zi kZfvM Rvwgb wb‡Ri Ges wbR cwiev‡ii (¯^vgx, ¯¿x, AweevwnZ †Q‡j I †g‡q) m`m¨‡`i g‡a¨ MÖnY‡hvM¨ n‡e| †m‡ÿ‡Î mswkøó cvkeB I †gqv`x AvgvbZ ¯‹xg-Gi g~j mvwU©wd‡KU mwgwZi Awd‡m Rgv ivL‡Z n‡e| FY cwi‡kva bv nIqv ch©šÍ  Rvwg‡b e¨eüZ wmBGm, wewWGm I †gqv`x AvgvbZ ¯‹xg-Gi †gqv` DËxY© n‡jI D‡Ëvjb Kiv hv‡e bv, Z‡e Rvwgb gyw³ MÖnY‡hvM¨ n‡e| 200 UvKv mvwf©m wd w`‡q Rvwgb ¯’vbvšÍi Kiv hv‡e|

11| 3q FY wKš‘ 2,00,001 n‡Z m‡e©v”P 12Zg FY 40,00,000 UvKv ch©šÍ FY-Av‡e`‡bi †ÿ‡Î †gvU Rvwg‡bi 50% Rvwgb wbR¯^ e¨vsK wnmv‡ei ¯^vÿwiZ, ZvwiL e¨ZxZ mwgwZi bv‡g 5wU GgAvBwmAvi †P‡Ki cvZv gva¨‡g cÖ`vb Kiv hv‡e| Aewkó 50% eyK wmDwiwU wn‡m‡e cÖ`vb Ki‡Z n‡e| †m‡ÿ‡Î Kgc‡ÿ 3 Rb Rvwgb`vi _vK‡Z n‡e| Gi g‡a¨ cwiev‡ii evB‡ii 1 Rb Rvwgb`vi _vK‡Z n‡e| me©‡kl FY cwi‡kva mv‡c‡ÿ wbqwgZ m`m¨ GgAvBwmAvi †PK wmDwiwUi myweav cv‡eb| Z‡e kZ© _v‡K †h, hw` cÖ`vbK…Z GgAvBwmAvi †PK e¨vsK KZ©„K wWR&Abvi ev cÖZ¨vL¨vb nq Zvn‡j Av‡e`bKvix‡K 200 UvKv Rwigvb cÖ`vb K‡i bZzb †PK mwgwZi bv‡g Rgv w`‡Z n‡e|

12| GgAvBwmAvi †P‡Ki Rvwg‡b F‡Yi †ÿ‡Î Av‡e`bKvix hw` DcvR©bnxb nb, †m‡ÿ‡Î FY-Av‡e`bKvixi cwiev‡ii/evB‡ii GKRb wbqwgZ m`m¨‡K mwgwZi cÖavb Kvh©vj‡q Dcw¯’Z n‡q cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (300/- UvKv) FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e| G‡ÿ‡Î Av‡e`bKvixi wbR¯^ 5wU Ges A½xKvi cÖ`vbKvix‡K e¨vsK wnmv‡ei ¯^vÿwiZ, ZvwiL e¨ZxZ 2wU GgAvBwmAvi †PK cÖ`vb Ki‡Z n‡e| mwgwZi 2 Rb wbqwgZ m`m¨‡K mwgwZi cÖavb Kvh©vj‡q Dcw¯’Z n‡q mvÿx wn‡m‡e ¯^vÿi w`‡Z n‡e|

13| FY MÖn‡Yi A½xKviKvix Rvwgb cÖ`vb Ki‡Z cvi‡eb| 

14| GgAvBwmAvi †PK myweav MÖnYKvix‡`i †h‡Kvb As‡Ki F‡Yi †ÿ‡Î FY-Av‡e`bcÎ Rgv †`qvi mgq  1000/- UvKvi mwgwZi bv‡g †PK cÖ`vb Ki‡Z n‡e (ó¨v¤úÑ400/Ñ UvKv, †bvUvixÑ300/- UvKv I cÖ‡mwRs PvR©Ñ300/-UvKv)|

15| FY-Av‡e`bKvix‡K FY MÖn‡Yi PjwZ gvmmn wbR¯^ e¨vsK wnmv‡ei 3 gv‡mi †óU‡g›U g~jKwc FY Av‡e`bc‡Îi mv‡_ Rgv w`‡Z n‡e|

16|  †Kvb m`m¨ A_©eQ‡i 05 (cuvP) gv‡mi †ekx ÔwKw¯ÍiwnZ (wU/G)Õ myweav wb‡j (e¨e¯’vcbv KwgwUi Aby‡gv`b mv‡c‡¶) FY cwi‡kva bv nIqv ch©šÍ Ab¨ KvD‡K Rvwgb w`‡Z cvi‡eb bv|

17|  †h gv‡m ÔwKw¯Í iwnZ (wU/G)Õ myweav MÖnY Ki‡eb, †mB gv‡m KviI F‡Yi Rvwgb n‡Z cvi‡eb bv| cieZx© gv‡m wU/G _vK‡j PjwZ gv‡m wKw¯Í cÖ`vb mv‡c‡ÿ Rvwgb Kvh©Ki n‡e| 

18| cybtZdwmjK…Z FY MÖnxZvi †¶‡Î FY cwi‡kva bv nIqv ch©šÍ Rvwgb Kvh©Ki n‡e bv|

19| Ô†mj&d †jvbÕ MÖnYKvixi †¶‡Î FY cwi‡kva bv nIqv ch©šÍ Rvwgb Kvh©Ki n‡e bv|

20| wKw¯Í e„w× Kiv n‡j Rvwgb cÖ`vb Ki‡Z cvi‡eb wKš‘ PjwZ F‡Yi my‡`i Dci ‡Kvb wi‡eU cÖ`vb n‡e bv|

Riæix FY:

01| Riæix FY ïaygvÎ wPwKrmv, `yN©Ubv, weevn, D”Pwk¶v I Rwg µq wel‡q cÖ`vb Kiv n‡e| 

02| cÖ_g FY †Kvbfv‡eB ÔRiæixÕ wnmv‡e we‡ewPZ n‡e bv|

03| Riæix F‡Yi wd: 1%| 2q FY †_‡K 10g FY ch©šÍ m‡e©v”P 20,00,000 UvKv Riæix FY cÖ`vb Kiv n‡e| D‡jøL¨, 20,00,001 n‡Z m‡e©v”P 40,00,000 UvKv FY Riæix n‡e bv|

04| Riæix F‡Yi Rb¨ m`m¨MY‡K Awdm KZ…©K Qvcv‡bv Av‡e`b-dig c~iY K‡i e¨e¯’vcbv KwgwU KZ©„K Aby‡gv`b mv‡c‡ÿ Rgv w`‡Z n‡e|

05| FY cwi‡kv‡ai m‡½ m‡½ Riæix F‡Yi Av‡e`b Kiv hv‡e| 

06| FY-Av‡e`bcÎ Rgv`v‡bi cieZx© 03 (wZb) Kg©w`e‡mi g‡a¨ Riæix F‡Yi e¨e¯’v Kiv †h‡Z cv‡i|

07| Riæix F‡Yi Rb¨ wbw`©ó wd cÖ`vb K‡i wmj‡gvnihy³ iwk` mshy³ K‡i Av‡e`bcÎ Rgv w`‡Z n‡e|

08| weMZ F‡Y 05 (cvuP) gv‡mi †ekx AwbqwgZ _vK‡j Riæix FY cÖ`vb Kiv nq bv| 

09| cybtZdwmjK…Z FY cwi‡kv‡ai c‡i cieZx© FYwU Riæix wn‡m‡e we‡ewPZ n‡e bv| 

10|  Riæix F‡Yi RgvK…Z wd †Kvbµ‡gB †diZ‡hvM¨ bq|

11|  Riæix F‡Yi Av‡e`b we‡ePbvi Rb¨ e¨e¯’vcbv KwgwUi wm×všÍB P~ovšÍ e‡j MY¨ n‡e|

12| FY MÖn‡Yi †¶‡Î †h‡Kvb wmwjs‡qi Kgc‡¶ 25% FY MÖnY Ki‡Z n‡e| hw` Gi e¨Z¨q nq, Zvn‡j P‚ovšÍ wm×v‡šÍi Rb¨ †ev‡W© †cÖiY Ki‡Z n‡e|

Uc-Avc FY:

D‡Ïk¨ :

mwgwZi A‡bK m`m¨-m`m¨v Av‡Qb, hv‡`i mvaviY FY _vKv Ae¯’vq cybivq UvKvi cÖ‡qvRb nq| G mKj †¶‡Î cÖvqkB cwijw¶Z nq †h, m`m¨-m`m¨ve„›` wewfbœ †jv‡Ki KvQ †_‡K Pov my‡` UvKv avi K‡i mwgwZi FY cwi‡kva K‡i cybivq F‡Yi Av‡e`b K‡ib| GB ai‡bi cwiw¯’wZ‡Z m`m¨-m`m¨v‡`i †hb Pov my‡` UvKv avi Ki‡Z bv nq, †mRb¨ XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW ÒUc-Avc †jvbÓ cÖ`v‡bi wm×všÍ MÖnY K‡i‡Q|

FY MÖn‡Yi †hvM¨Zv :

            K) c~e©eZx© FY cwi‡kv‡ai mvg_© Abyhvqx m`m¨-m`m¨ve„›` GB F‡Yi Rb¨ Av‡e`b Ki‡Z cvi‡eb|

            L) cwiev‡ii †Kvb m`m¨ ev Av‡e`bKvix PjwZ F‡Y AwbqwgZ n‡q _vK‡j GB FY MÖnY Ki‡Z cvi‡eb bv|

            M) †h FY Uc-Avc Kiv n‡e, Zv FY MÖn‡Yi ZvwiL n‡Z Kgc‡¶ GK eQi wbqwgZ Pvjv‡Z n‡e Ges PjwZ 

             FY Aek¨B A‡a©K cwi‡kvwaZ n‡Z n‡e|

FY MÖn‡Yi wbqgvejx :

            K) mwgwZ KZ…©K mieivnK…Z wbw`©ó Av‡e`bc‡Îi gva¨‡g Av‡e`b Ki‡Z n‡e|

            L) mvaviY FY-bxwZgvjv Abymv‡i FY cÖ`vb Kiv n‡e|

            M) Av‡e`bK…Z F‡Yi 10% Rvwgb †ekx w`‡Z n‡e|

            N) Uc-Avc F‡Yi †¶‡Î mvaviY F‡Yi cÖ_g 1wU FY MÖnY K‡i wbqwgZ cwi‡kva Kiv mv‡c‡¶ 2q FY †_‡K

             †h‡Kvb cwigvY FY Uc-Avc Kiv hv‡e| G †¶‡Î mvaviY F‡Yi bxwZgvjv Abyhvqx F‡Yi cwigvY Abymv‡i  

              e¨e¯’vcbv KwgwU FY gÄyi Ki‡eb|

            O) †h FY Uc-Avc Kiv n‡e, Zvi 50% cwi‡kvwaZ n‡Z n‡e|

F‡Yi cwigvY I cwi‡kv‡ai †gqv`:

            K) mvaviY F‡Yi wmwjs Abymv‡i F‡Yi Av‡e`b Kiv hv‡e|

            L) mvaviY FY-bxwZgvjv Abymv‡i FY cwi‡kv‡ai †gqv` wba©viY n‡e|

F‡Yi my`:

       µgn«vmgvb c×wZ‡Z (Reducing Method) gvwmK wnmv‡e e‡Kqv F‡Yi Dci 12% nv‡i my` wbY©q Kiv n‡e|

mvaviY wbqgvejx:

       F‡Yi wecix‡Z FY wbivcËv ¯‹xg (LPS)-Gi UvKv MÖnY Kiv n‡e|

Uc-Avc F‡Yi mvwf©m PvR©:

       Uc-Avc F‡Yi cwigvY Abyhvqx 1% nv‡i Uc-Avc F‡Yi mvwf©m PvR© wba©vwiZ n‡e| D‡jøL¨, 2q FY †_‡K

       m‡e©v”P 12Zg FY 40,00,000 UvKv ch©šÍ Uc-Avc FY wn‡m‡e we‡ewPZ n‡e|

mvaviY F‡Yi we‡kl kZ© I wb‡`©kbvejx :

1) F‡Yi Av‡e`bcÎ ¯úófv‡e evsjvq c~iY Ki‡Z n‡e| Am¤ú~Y© ev d¬yBW †`Iqv FY-Av‡e`bcÎ MÖnY‡hvM¨ bq|

2) FY cwi‡kv‡ai mv‡_ mv‡_B bZzb F‡Yi Rb¨ Av‡e`b Kiv hv‡e|

3) mvaviY F‡Yi †ÿ‡Î nvDwRs cÖK‡íi eZ©gvb AvgvbZ †µwWU †kqv‡ii mv‡_ †hvM K‡i F‡Yi Av‡e`b Kiv hv‡e| Z‡e nvDwRs Avgvb‡Zi cwigvb, †µwWU †kqvi Avgvb‡Zi 95% Gi †ewk n‡e bv|   

4) FY-Av‡e`bc‡Î Rvwgb`vi‡`i weei‡Y Rvwgb`vi‡`i bvg, m`m¨ b¤^i, mPj ‡gvevBj b¤^i, †nvwìs b¤^imn c~Y© eZ©gvb wVKvbv, eZ©gvb †kqvi I e‡Kqv F‡Yi cwigvY Ges ¯^vÿi w`‡Z n‡e (Av‡e`bc‡Î mwVK I c~Y©v½ Z_¨ †`qv Avek¨K)|

5)  Av‡e`bKvixi eZ©gvb wVKvbv Ges Kg©¯’‡ji bvg-wVKvbvi †ÿ‡Î c~Y©v½ Z_¨ w`‡Z n‡e| G †ÿ‡Î mPj †gvevBj b¤^i I †nvwìs b¤^i Aek¨B D‡jøL Ki‡Z n‡e| eZ©gvb wVKvbv cwieZ©b n‡j, wba©vwiZ dig c~iY K‡i nvjbvMv` K‡i FY-Av‡e`b dig Rgv w`‡Z n‡e|

6)  F‡Yi Av‡e`bc‡Î †Kvb mgm¨v Av‡Q wK-bv, Zv Av‡e`bcÎ Rgv †`qvi ci Awdm PjvKvjxb mg‡q wbR `vwq‡Z¡ †R‡b wb‡Z n‡e Ges mgm¨v _vK‡j AwZmZ¡i ms‡kvab K‡i w`‡Z n‡e|

7) FY-Av‡e`bcÎ Rgv †`qvi mgq Av‡e`bcÎ MÖnYKvix Awdmvi KZ…©K DÌvwcZ Av‡e`bc‡Î DwjøwLZ weei‡Yi e¨vL¨v cÖ`vb Ki‡Z n‡e|

8) FY-Av‡e`bKvixi wbR¯^ I cwiev‡ii Ab¨vb¨ m`m¨‡`i (hw` _v‡K) Ab¨vb¨ mwgwZ‡Z F‡Yi wKw¯Í cÖ`vb †k‡l DØ„‡Ëi Dci wfwË K‡i FY cÖ`vb Kiv n‡e| D‡jøL¨, Ab¨vb¨ mwgwZ‡Z cwiev‡ii m`m¨‡`i  F‡Yi Z_¨ (hw` _v‡K) Aek¨B D‡jøL Ki‡Z n‡e|

 9) F‡Yi Av‡e`bcÎ Rgv †`Iqvi mgq:

       K) mvaviY F‡Yi Av‡e`bcÎ gv‡mi 27 Zvwi‡Li g‡a¨ Awdm PjvKvjxb mg‡q Rgv †`Iqv hv‡e|

       L) Uc-Avc/Riæix F‡Yi Av‡e`bcÎ wbw`©ó wd cÖ`vb mv‡c‡ÿ gv‡mi 27 Zvwi‡Li g‡a¨ Awdm PjvKvjxb mg‡q

           Rgv †`Iqv hv‡e|

10) FY-Av‡e`bcÎ Rgv †`Iqvi mgq A_ev FY MÖn‡Yi mgq Av‡e`bKvix‡K Aek¨B Dcw¯’Z n‡Z n‡e|

11) F‡Yi Av‡e`bcÎ mwgwZi Awd‡m Rgv n‡j FY gÄyi ev bv-gÄyi n‡jI Av‡e`bcÎ †diZ‡hvM¨ bq|

12)  mKj FY Aby‡gv`‡bi c~‡e© Av‡e`bKvixi †`Iqv Z_¨vw` Awdm KZ…©K Z`šÍ mv‡c‡ÿ FY cÖ`vb Kiv n‡e|

13)  µqK…Z F‡Yi Av‡e`bc‡Î †Kvb ms‡hvRb/we‡qvRb/cwieZ©b n‡j bZzb di‡g Av‡e`b Ki‡Z n‡e| 

14) c~e©eZx© F‡Y 5 (cuvP) gv‡mi †ekx AwbqwgZ _vK‡j mvaviY FY wn‡m‡e c~‡e©i F‡Yi mg cwigvY FY cÖ`vb Kiv n‡e| 5 (cuvP) gv‡mi †ekx AwbqwgZ _vK‡j e¨e¯’vcbv KwgwU eivei Av‡e`b Ki‡Z n‡e|

15) †Kvb FY MÖnxZv cybtZdwmjK…Z F‡Y cybivq AwbqwgZ n‡j, c~‡e©i mg cwigvY F‡Yi †ÿ‡ÎI A‡hvM¨ e‡j we‡ewPZ n‡e|

16) XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW e¨ZxZ Ab¨vb¨ mwgwZi Z_¨ Aek¨B cÖ`vb Ki‡Z n‡e| F‡Yi Av‡e`bc‡Î wg_¨v Z_¨ cÖ`vb Kiv n‡j Ges Zv cÖgvwYZ n‡j, †m mKj m`m¨‡K FY cÖ`v‡bi †ÿ‡Î  †evW© wgwUs‡qi wm×všÍB P‚ovšÍ e‡j we‡ewPZ n‡e| D³ FY (†h‡Kvb As‡Ki) cybt Z`‡šÍi Rb¨ 1,000/- UvKv PvR© cÖ`vb Ki‡Z n‡e|

17) K) mvaviY FYÑ 07 (mvZ) Kg©w`e‡mi g‡a¨ cÖ`vb Kiv n‡e|

       L) Riæix/Uc-Avc FYÑ 03 (wZb) Kg©w`e‡mi g‡a¨ cÖ`vb Kiv n‡e|

18) F‡Yi Rb¨ kZKiv evwl©K 12% nv‡i my` cÖ`vb Ki‡Z n‡e|

19) Ô†mjd †jv‡biÕ †¶‡Î wbR¯^ †µwWU †kqvi, mÂqx I nvDwRs Avgvb‡Zi wecix‡Z 90% FY cÖ`vb Kiv n‡e|

20)  Uc-Avc FY e¨ZxZ FY _vKvKvjxb bZzb FY †`Iqv n‡e bv| 

21) Aby‡gvw`Z FYwU cieZx© gv‡mi g‡a¨ MÖnY bv Ki‡j, Aby‡gvw`Z FYwU evwZj e‡j MY¨ n‡e Ges evwZjK…Z F‡Yi Rb¨ Av‡e`bKvix‡K 500/- UvKv Ômvwf©m PvR©Õ w`‡Z n‡e| cÖ‡qvR‡b Zvi †mwfsm wnmve †_‡K D³ UvKv mgš^q Kiv n‡e| 

22) FY-Av‡e`bKvixi Rvwgb`vi‡`i g‡a¨ hw` †KD wKw¯Í †Ljvcx _v‡Kb, Z‡e wb‡gœi wbqgvbymv‡i wKw¯Í cÖ`v‡bi gva¨‡g wbqwgZ n‡Z cvi‡ebÑ

       K)  1 †_‡K 5 gvm wWdëvi _vK‡j Ñ    1 gv‡mi wKw¯Í, my` I Rwigvbvmn bM` cÖ`vb Ki‡Z n‡e|

       L)  6 †_‡K 10 gvm wWdëvi _vK‡jÑ   2 gv‡mi wKw¯Í, my` I Rwigvbvmn bM` cÖ`vb Ki‡Z n‡e|

       M)  10 gv‡mi E‡×© n‡j            Ñ    3 gv‡mi wKw¯Í, my` I Rwigvbvmn bM` cÖ`vb Ki‡Z n‡e|

23) cwiev‡ii †Kvb m`m¨ FY †Ljvcx n‡j, F‡Yi m¤ú~Y© e‡Kqv cwi‡kva mv‡c‡¶ cwiev‡ii Ab¨vb¨ m`‡m¨i FY we‡ePbv Kiv †h‡Z cv‡i|

24) DcvR©bnxb/mwgwZi Kg©GjvKvi evwn‡i m`m¨‡`i FY MÖn‡Yi mgq DcvR©b¶g m`m¨ (wcZv/gvZv, ¯^vgx/¯¿x, †Q‡j,‡g‡q ev AwffveK) ‡K FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e| A½xKvi cÖ`vbKvixi FY _vK‡j 1 Rb‡K Ges FY bv  _vK‡j 2 Rb‡K A½xKvi cÖ`vb Kiv hv‡e| A½xKviKvixi †kqvi Aby‡gvw`Z F‡Yi 10% _vK‡Z n‡e| A½xKvi cÖ`vbKvixi †kqvi Rvwgb wn‡m‡e Mb¨ n‡e| †Kvbfv‡eB A½xKvi cÖ`vbKvix Rvwgb gyw³ wb‡Z cvi‡eb bv|

25) 65 eQ‡ii †ekx eq¯‹‡`i cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (100 UvKvi mgg~‡j¨i 3wU) FY cwi‡kv‡ai †ÿ‡Î DcvR©bÿg †Kvb e¨w³i A½xKvibvgv cÖ`vb Ki‡Z n‡e| ó¨v‡¤úi LiP Av‡e`bKvix‡K enb Ki‡Z n‡e|

26) FY-Av‡e`bKvixi eqm 70 eQ‡ii E‡×© n‡j Zv‡K m‡e©v”P 3,00,000.00 (wZb jÿ) UvKv FY cÖ`vb Kiv n‡e Ges FY MÖn‡Yi mgq cwiev‡ii DcvR©bkxj GKRb m`m¨‡K cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (100 UvKvi mgg~‡j¨i 3wU) FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e (A½xKvi cÖ`vbKvix‡K GB mwgwZi m`m¨ n‡Z n‡e)| ó¨v‡¤úi LiP Av‡e`bKvix‡K enb Ki‡Z n‡e|

27) Aby‡gvw`Z FY Av‡e`bKvixi mÂqx wnmv‡e ¯’vbvšÍi Kiv n‡e| D‡Ëvj‡bi †ÿ‡Î mÂqx cÖK‡íi bxwZgvjv AbymiY Kiv n‡e|

28) we‡`‡k PvKzix Ki‡Qb Ggb m`‡m¨i FY-Av‡e`‡bi m‡½ Zvi cvm‡cv‡U©i cÖ_g c„ôv, wfmv mshy³ c„ôv I me©‡kl evsjv‡`‡k AvMg‡bi wmjhy³ c„ôvi d‡UvKwc Rgv w`‡Z n‡e| Zvi AeZ©gv‡b FY cwi‡kvaKvix e¨w³‡K cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (100 UvKvi mgg~‡j¨i 3wU) FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e| FY MÖnxZvi AeZ©gv‡b whwb FY cwi‡kva Ki‡eb, Zv‡K Aek¨B GB mwgwZi m`m¨ n‡Z n‡e| †PK wmDwiwUi †ÿ‡Î A½xKvi cÖ`vbKvixi e¨vsK †PK I †óU‡g›U Rgv w`‡Z n‡e| ó¨v‡¤úi LiP Av‡e`bKvix‡K enb Ki‡Z n‡e| D³ F‡Yi Rb¨ WxW m¤úbœ nIqvi ci †Kvb Kvi‡Y A½xKvix ev ¯^vÿxMY cwieZ©b Kiv n‡j Av‡e`bKvix‡K bZzb Wx‡Wi Rb¨ AwZwi³ 500 UvKv cÖ`vb Ki‡Z n‡e|

29) GKUvbv 12 (evi) gv‡mi †ekx †kqvi AwbqwgZ n‡j, cieZx© F‡Yi Rb¨ 500 UvKv †kqvi Rgv †`Iqvi c‡i F‡Yi Rb¨ Av‡e`b Kiv hv‡e|

30) FY-Av‡e`bKvixi cwiev‡ii †Kvb m`m¨ (evev-gv, ¯^vgx-¯¿x, AweevwnZ †Q‡j I †g‡q) Ab¨ †Kvb mwgwZ‡Z FY †Ljvcx/AwbqwgZ _vK‡j, FY wbqwgZ mv‡c‡ÿ Zv‡K FY cÖ`vb Kiv n‡e|

31) cwiev‡ii †Kvb m`m¨ (AweevwnZ †Q‡j/†g‡q) FY MÖnYKv‡j hw` Zvi wbR¯^ Avq †`wL‡q _v‡KbÑ hw` Zvi we‡q n‡q Ab¨ cwiev‡i AšÍfz©³ nq ev Avjv`v cwievi MVb K‡i, Avi †m hw` FY †Ljvcx nq, †m‡ÿ‡Î H cwiev‡ii Ab¨ m`m¨ hw` F‡Yi Av‡e`b K‡ib, Zvn‡j H m`m¨/m`m¨vi FY nvjbvMv` mv‡c‡ÿ FY Aby‡gv`b Kiv †h‡Z cv‡i|

32) FY-Av‡e`bKvixi c~‡e©i F‡Yi Avq-e¨‡qi Z_¨ hvPvB K‡i FY Aby‡gv`b Kiv n‡e|

33) †h‡Kvb As‡Ki FY gÄy‡ii e¨vcv‡i FY`vb KwgwU / ÷vd KwgwU mycvwi‡ki wfwˇZ P‚ovšÍ wm×v‡šÍi Rb¨ †ev‡W© †cÖiY Kiv n‡e| ÷vd KwgwU KZ…©K Aby‡gvw`Z F‡Yi mxgv m‡ev©”P 3,00,000/- UvKv (wZb jÿ UvKv)|

34) FY-Av‡e`bKvixi wbR¯^ I cvwievwiK Avq-e¨‡qi wfwˇZ FY gÄyi Kiv n‡e|

35) ¯^vgxi F‡Yi †ÿ‡Î ¯¿x Ges ¯¿xi F‡Yi †ÿ‡Î ¯^vgxi m¤§wZcÎ eva¨Zvg~jKfv‡e Aek¨B cÖ`vb Ki‡Z n‡e| ¯^vgx ev ¯¿x/wbKU AvZ¥xq we‡`‡k Ae¯’vb Ki‡j mwgwZi B-‡gBj-Gi gva¨‡g m¤§wZ wbwðZ Ki‡Z n‡e| FY-Av‡e`bKvix AweevwnZ n‡j Zv‡K Zvi evev/gv-Gi m¤§wZcÎ Aek¨B cÖ`vb Ki‡Z n‡e| evev/gv we‡`‡k Ae¯’vb Ki‡j mwgwZi B-‡gBj-Gi gva¨‡g m¤§wZ wbwðZ Ki‡Z n‡e| ¯^vgx/¯¿x m`m¨ bv n‡j m¤§wZ cÖ`vbKvix‡K RvZxq cwiPq c‡Îi d‡UvKwc I K RvZxq cwiPq cÎ Abyhvqx ¯^vÿi cÖ`vb Ki‡Z n‡e|

36) evsjv‡`‡ki †h‡Kvb mgevq mwgwZ‡Z ev e¨vs‡K FY †Ljvcx n‡j D³ m`m¨ GB mwgwZ n‡Z FY MÖn‡Y A‡hvM¨ e‡j we‡ewPZ n‡eb|

37) †Kvb m`m¨ FY MÖnY ev Rvwgb cÖ`v‡bi †ÿ‡Î hw` †KvbcÖKvi RvwjqvwZ K‡ib, Ggb welq cÖgvwYZ n‡j Dfq m`‡m¨i weiæ‡× kvw¯Íg~jK e¨e¯’v MÖnY Kiv n‡e| G‡ÿ‡Î Dfq‡KB me©wb¤œ 01 (GK) eQi FY MÖnY I Rvwgb cÖ`v‡bi my‡hvM iwnZ Kiv n‡e Ges m‡e©v”P m`m¨c` evwZj Kiv †h‡Z cv‡i| GB wel‡q e¨e¯’vcbv KwgwUi wm×všÍB P‚ovšÍ e‡j we‡ewPZ n‡e|

F‡Yi ch©vqµwgK avc:

01

Ab~aŸ© 1,00,000  UvKv

6 gvm c~‡e©i †kqv‡ii      10 ¸Y

02

Ab~aŸ© 2,00,000  UvKv

6 gvm c~‡e©i †kqv‡ii      10 ¸Y

03

Ab~aŸ© 5,00,000  UvKv

6 gvm c~‡e©i †kqv‡ii      10 ¸Y

04

Ab~aŸ© 7,00,000  UvKv

4 gvm c~‡e©i †kqv‡ii      10 ¸Y

05

Ab~aŸ© 9,00,000  UvKv

4 gvm c~‡e©i †kqv‡ii      10 ¸Y

06

Ab~a٩ 12,00,000 UvKv

4 gvm c~‡e©i †kqv‡ii      9 ¸Y

07

Ab~a٩ 15,00,000 UvKv

3 gvm c~‡e©i †kqv‡ii      9 ¸Y

08

Ab~a٩ 20,00,000 UvKv

3 gvm c~‡e©i †kqv‡ii      9 ¸Y

09

Ab~a٩ 25,00,000 UvKv

3 gvm c~‡e©i †kqv‡ii      9 ¸Y

10

Ab~a٩ 30,00,000 UvKv

3 gvm c~‡e©i †kqv‡ii      8 ¸Y

11

Ab~a٩ 35,00,000 UvKv

2 gvm c~‡e©i †kqv‡ii      8 ¸Y

12

Ab~a٩ 40,00,000 UvKv

2 gvm c~‡e©i †kqv‡ii      8 ¸Y

FY cwi‡kv‡ai mgqmxgv:

FY cwi‡kv‡ai UvKvi cwigvY

wKw¯Í cwigvY

1 UvKv †_‡K 1,00,000 UvKv ch©šÍ

60 wKw¯Í

1,00,001 UvKv †_‡K 2,00,000 UvKv ch©šÍ

72 wKw¯Í

2,00,001 UvKv †_‡K 3,00,000 UvKv ch©šÍ

84 wKw¯Í

3,00,001 UvKv ‡_‡K 7,00,000 UvKv ch©šÍ

96 wKw¯Í

7,00,001 UvKv†_‡K 12,00,000 UvKv ch©šÍ

120 wKw¯Í

12,00,001 UvKv †_‡K 15,00,000 UvKv ch©šÍ

144 wKw¯Í

15,00,001 UvKv †_‡K 25,00,000 UvKv ch©šÍ

180 wKw¯Í

25,00,001 UvKv †_‡K 40,00,000 UvKv ch©šÍ

240 wKw¯Í

FY cwi‡kv‡ai kZ© I wb‡`©kbvejx:

01| FY cwi‡kv‡ai Rb¨ wbR¯^ I cwiev‡ii Avq-e¨q ev` w`‡q h‡_ó DØ„Ë _vK‡Z n‡e|

02| MÖnYK…Z F‡Yi Dci wba©vwiZ nv‡i †jvb †cÖv‡UKkb ¯‹xg (GjwcGm) cÖ`vb Ki‡Z n‡e|

03| †h‡Kvb FY me©wbgœ 4 wKw¯Í‡Z cwi‡kva‡hvM¨|

04| GKB gv‡m GKvwaKevi F‡Yi wKw¯Í/UvKv cwi‡kva Kiv hv‡e, †m Rb¨ cybivq H gv‡mi cieZx© w`b¸‡jvi Rb¨ my` cÖ`vb Ki‡Z n‡e|  

 05| FY MÖnxZv m`m¨  Zvi gvwmK F‡Yi wKw¯Í cÖ`v‡b e¨_© n‡j, cieZx©‡Z wKw¯Í cÖ`v‡bi mgq e‡Kqv F‡Yi Dci 50% nv‡i Ômy‡`i Dci RwigvbvÕ I wba©vwiZ nv‡i GjwcGm cÖ`vb Ki‡Z n‡e|

06| FY MÖnxZv Zvi gvwmK wKw¯Í Rgv w`‡Z AcviM n‡j, e¨e¯’vcbv KwgwUi Kv‡Q ïay my`, †kqvi I GjwcGm cÖ`vb Kivi Rb¨ ÔUvBg G‡jvU‡g›U (wU/G)Õ ev ÔwKw¯ÍiwnZÕ myweav †bqvi Rb¨ Av‡e`b Ki‡Z cvi‡eb| D‡jøL _v‡K †h, Pzw³ †gvZv‡eK mgqmxgvi g‡a¨B FY cwi‡kva Ki‡Z n‡e|

07| GK A_©eQ‡i 2wUi †ekx ÔwKw¯ÍiwnZ (wU/G)Õ myweav MÖnY Ki‡j Ôwi‡eUÕ cÖ`vb Kiv n‡e bv Ges 5wUi †ekx ÔwKw¯Í iwnZ (wU/G)Õ myweav wb‡j KviI F‡Yi Rvwgb nIqv hv‡e bv| Z‡e 5wUi †ewk wU/G myweav wb‡j AwZwi³ wU/G Gi wKw¯Í cwi‡kva mv‡c‡ÿ Rvwgb cÖ`vb Kiv hv‡e|

08| †Kvbµ‡gB F‡Yi cÖ_g wKw¯Í, ÔwKw¯ÍiwnZ (wU/G)Õ wn‡m‡e we‡ewPZ n‡e bv|

09| wba©vwiZ wKw¯Íi Kg cÖ`vb Ki‡j AwbqwgZ wn‡m‡e we‡ewPZ n‡e|

10| wba©vwiZ wKw¯Íi ci wKw¯Í ewa©ZKiYt Kiv n‡j D³ F‡Yi Dci ‡Kvb wi‡eU cÖ`vb Kiv n‡e bv Ges D³ FY cwi‡kva bv nIqv ch©šÍ Ab¨ †Kvb m`‡m¨i F‡Yi Rvwgb cÖ`vb Ki‡Z cvi‡e bv|

11| mwgwZi Kg©GjvKvi evB‡i PvKzixiZ FY MÖnxZv‡`i †¶‡Î Kg©GjvKvq Ae¯’vbiZ Zvi wbKU¯’ AvZ¥xq/eÜz GB mwgwZi wbqwgZ GKRb m`m¨‡K FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e|  

12| GgAvBwmAvi †PK cÖ`vbK…Z FY MÖnxZv hw` 1 gvm AwbqwgZ nb, Zvn‡j mwgwZ 1g mZKx©KiY wPwV cÖ`vb   Ki‡e, 2 gvm AwbqwgZ n‡j 2q mZKx©KiY wPwV cÖ`vb Ki‡e Ges 3 gvm AwbqwgZ n‡j P‚ovšÍ mZKx©KiY wPwV cÖ`vb Ki‡e| 4_© gv‡m e‡Kqv Av`v‡qi Rb¨ mwgwZ GgAvBwmBAvi †PK e¨vs‡K Rgv †`‡e| D³ †PK wWRAbvi n‡j, AvBbx c`‡ÿc MÖnY Kiv n‡e|

F‡Yi Rvwgb gyw³:

hw` †Kvb Rvwgb`vi Rvwgb gyw³ wb‡Z Pvb, Zvn‡j Rvwgb`viMY Awdm KZ©„K Qvcv‡bv Av‡e`bc‡Îi gva¨‡g kZ© mv‡c‡ÿ e‡Kqv F‡Yi my` I Rwigvbv AvbycvwZK nv‡i bM` cÖ`vb K‡i Rvwgb gyw³ wb‡Z cvi‡eb| Z‡e D³ FY cwi‡kv‡ai †gqv‡`i g‡a¨ n‡Z n‡e| mvwf©m PvR© 100 UvKv cÖ`vb Ki‡Z n‡e|

Gj wc Gm bxwZgvjv:

GB Ae¯’v we‡ePbvq Dc‡iv³ mgm¨v jvN‡e MZ RyjvB 2011 †_‡K GB byZb cÖKí GjwcGm ev †jvb †cÖv‡UKkb ¯‹xg cÖYqb K‡i‡Q| mwgwZ †_‡K FY MÖnxZviv mK‡jB GB cÖK‡íi AvIZvfy³ n‡eb Ges FY MÖnYKvjxb mgqB GB cÖK‡íi AvIZvq Avm‡eb|

GjwcGm-Gi kZ©mg~n:

01| FY MÖnxZv‡K Aek¨B F‡Yi †PK MÖn‡Yi c~‡e© H gv‡mi GjwcGm ev †jvb †cÖv‡UKkb ¯‹x‡gi UvKv bM‡` cwi‡kva Ki‡Z n‡e|

02| GjwcGm-Gi Rb¨ FY MÖnxZv‡K Avjv`v †Kvb dig c~iY K‡i Gi AvIZvq Avm‡Z n‡e bv| FY MÖn‡Yi mgq †jvb †cÖv‡UKkb ¯‹xg-Gi UvKv cÖ`vb Ki‡jB Avcwb GB ¯‹xg-Gi AšÍf©y³ n‡q hv‡eb|

03| GjwcGm Pvjy nIqvi m‡½ m‡½ Gi AvIZvq bv G‡m A_©vr †jvb †cÖv‡UKkb ¯‹xg-Gi A_© cÖ`vb Qvov †Kvb FY cÖ`vb Kiv n‡e bv|

GjwcGm-Gi myweav‡fvMxi wcÖwgqvg:

K) ¯^í †gqv`x I `xN© †gqv`x mKj cÖKvi Aby‡gvw`Z †µwWU F‡Yi Dci gvwmK 0.05% nv‡i wcÖwgqvg cÖ`vb Ki‡Z n‡e| A_©vr cÖwZ nvRv‡i 50 cqmv gvwmK wnmv‡e †`q|

L) Avcbvi F‡Yi wecix‡Z wcÖwgqvg cÖ`vb Kiv n‡j e‡Kqv FY GK gv‡mi Rb¨ wbivcËv ¯‹x‡gi AvIZvq _vK‡e| 

M) GjwcGm-Gi UvKvi cwigvY 1.00 (GK) UvKvi Kg n‡e bv|

GjwcGm-Gi Aax‡b myweav/†mev cÖ`vb Kiv n‡e:Ñ

K) †jvb †`qv-†bqvi eqm m‡e©v”P 65 eQi|

L) 18 ermi †_‡K 65 ermi ch©šÍ me©‡ÿ‡Î e‡Kqv F‡Yi 100% Kfv‡iR|

M) GjwcGm-Gi UvKv KLbB bM‡` cwi‡kva Kiv n‡e bv| ïaygvÎ e‡Kqv FY mgš^‡qi Rb¨ e¨eüZ n‡e| we‡klfv‡e D‡jøL¨ †h, †Kvb m`m¨/m`m¨v g„Zz¨eiY (myBmvBW) Ki‡j LPS ev †jvb †cÖv‡UKkb ¯‹xg-Gi myweavi AvIZvq Avm‡e bv| A_©vr Gi †Kvb cÖKvi my‡hvM-myweav cv‡eb bv|

N) FY MÖnxZv wbqwgZ FY cwi‡kva bv K‡i gviv †M‡j LPS ev †jvb †cÖv‡UKkb ¯‹xg-Gi myweavi AvIZvq Avm‡e bv| A_©vr g„Z e¨w³i MÖnYK…Z F‡Y †Kvb wKw¯Í †Ljvcx _vK‡j LPS ev †jvb †cÖv‡UKkb ¯‹xg-Gi myweav cv‡e bv|  

O) †Kvb m`m¨/m`m¨v Zvi M„nxZ F‡Y AwbqwgZ _vK‡j wbqwgZ (†i¸jvi) nIqvi mgq m¤ú~Y© e‡Kqv cwi‡kva mv‡c‡ÿ I LPS-Gi e‡Kqv cÖ`vb K‡i LPS-Gi AvIZvq Avbv n‡e| hw` †KD 1/2wU wKw¯Í w`‡q wbqwgZ/†i¸jvi K‡ib, †m‡ÿ‡Î GjwcGm †bqv hv‡e bv, GjwcGm-Gi AvIZvq Avm‡e bv|

P) †gqv‡`vËxY© F‡Yi †¶‡Î GjwcGm-Gi UvKv †bIqv n‡e bv Ges Zv‡K Gi AvIZvq Avbv n‡e bv|

Q) †Kvb m`m¨/m`m¨vi g„Zz¨i ci Zvi AvBbvbyM DËivwaKvix/DËivwaKvixMY‡K wjwLZ Av‡e`b Ki‡Z n‡e| Av‡e`‡bi m‡½ Òg~j †W_ mvwU©wd‡KUÓ-Gi cÖwZwjwc Aek¨B Rgv w`‡Z n‡e| g„Zz¨ msµvšÍ Ab¨vb¨ KvMRcÎ I mgvwaKvh© cwiPvjbvKvix e¨w³i (cvjK/m¤úv`K/cy‡ivwnZ/dv`vi/Ab¨ †KD) mvwU©wd‡KU Aek¨B Rgv w`‡Z n‡e|

R) g„Z m`‡m¨i e‡Kqv GjwcGm FY mgš^‡qi c‡i hw` Acwi‡kvwaZ FY _v‡K, Zv mwgwZi wbqgvbyhvqx cwi‡kva Ki‡Z n‡e|

S) e‡Kqv F‡Yi cwigvY 10 j¶ UvKvq G‡m bv †cuŠQvq, ZZw`b ch©šÍ H 10 j¶ UvKvi Rb¨B wcÖwgqvg cÖ`vb Ki‡Z n‡e|

U) hLb †Kvb m`m¨/m`m¨v 10 j¶ UvKvi †ekx FY MÖnY Ki‡eb, †m‡¶‡Î hZw`b ch©šÍ e‡Kqv F‡Yi cwigvY 10 j¶ UvKvq G‡m bv †cuŠQvq, ZZw`b ch©šÍ H 10 j¶ UvKvi Rb¨B wcÖwgqvg cÖ`vb Ki‡Z n‡e|

V) we‡klfv‡e D‡jøL¨ †h, GjwcGm ev †jvb †cÖv‡UKkb ¯‹xg †h gvm †_‡K Pvjy Kiv n‡e, †mB gvm †_‡KB mg¯Í †µwWU FY MÖnxZve„›` GB GjwcGm ev †jvb †cÖv‡UKkb ¯‹xg-Gi AvIZvq Avm‡eb| A_©vr H gvm †_‡KB e‡Kqv F‡Yi Dci wcÖwgqvg cÖ`vb Ki‡Z n‡e|

W) †gqv‡`vËxY© †Ljvcx FY cybtZdwmj Kivi mgq bZzbfv‡e wmDwiwU w`‡Z n‡e| hw` †Kvb m`m¨ bZzb wmDwiwU w`‡q †gqv‡`vËxY© †Ljvcx FY cybZdwmj K‡ib Zv‡K  100%  cÖ`vb Ki‡Z n‡e Ges 100 fvM Kfv‡iR  cÖ`vb Kiv n‡e|

X) hw` ‡Kvb m`m¨ c~‡e©i wmDwiwU ejer †i‡L †gqv‡`vËxY© †Ljvcx FY cybtZdwmj K‡ib Zv‡K 50% GjwcGm cÖ`vb Ki‡Z n‡e Ges 50% Kfv‡iR cÖ`vb Kiv n‡e|

Y) wU. G. MÖnYKvix c~‡e©i e‡Kqv wKw¯Í I LPS-Gi e‡Kqv cwi‡kva mv‡c‡¶ LPS-Gi myweav cv‡e (g„Z m`m¨/m`m¨vi †ÿ‡Î)|

wi‡eU cÖ`v‡bi bxwZgvjv:

XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjt †_‡K mvaviY F‡Yi Dci M„wnZ ‡µwWU F‡Yi cÖ`vbK…Z F‡Yi my‡`i Dci 15% wi‡eU cÖ`vb Kiv n‡q _v‡K| wb‡b¥v³ kZ© mv‡c‡ÿ FY MÖnxZv wi‡eU cÖ`vb Kiv n‡e:

K) Dcwewa Abyhvqx †h mKj m`m¨-m`m¨ve„›` FY MÖnY K‡i wbqwgZfv‡e FY my`mn cwi‡kva K‡i‡Qb, Zv‡`i cÖ`vbK…Z F‡Yi my‡`i Dci 15% wi‡eU cÖ`vb Kiv n‡e|

L) bZzb m`m¨-m`m¨v‡`i †¶‡Î hw` A_©eQ‡ii g‡a¨ †jvb MÖnY K‡i wbqwgZ cwi‡kva K‡i, Z‡e †m †¶‡Î wi‡eU cÖ`vb Kiv n‡e|

wb‡b¥v³ kZ© mv‡c‡ÿ FY MÖnxZv wi‡eU cÖ`vb Kiv n‡e bv:

K) hw` †Kvb m`m¨/m`m¨v PjwZ A_©eQ‡i (RyjvB-Ryb) F‡Yi my‡`i Dci Rwigvbv cÖ`vb K‡ib Z‡e wi‡eU cÖ`vb Kiv n‡e bv |

L) †Kvb †jvb wi-wmwWDj (cybt ZdwmjxKiY) Kiv n‡j D³ †jv‡b wi‡eU cÖ`vb Kiv nq bv ৷

M) hw` †Kvb m`m¨/m`m¨v PjwZ A_©eQ‡i G‡Ki AwaK ev `yBevi FY MÖnY K‡ib Ges cÖ_g FY wVKgZ cwi‡kva K‡ib wKš‘ wØZxq ev cieZ©x F‡Y †Kvb wKw¯Í wVK mgqgZ cÖ`vb bv K‡ib Z‡e cÖ_g F‡Yi my‡`i Dci wi‡eU cÖ`vb Kiv n‡e| wKš‘ wØZxq ev cieZ©x F‡Yi cÖ`vbK…Z my‡`i Dci D³ A_©eQ‡i wi‡eU cÖ`vb Kiv n‡e bv|

N) 36/48/60/72/84/120 gvm wKw¯Í cÖ`vb Kivi c‡i hw` †Kvb m`m¨/m`m¨vi FY e‡Kqv _v‡K Z‡e e‡Kqv F‡Yi cÖ`vbK…Z my‡`i Dci †Kvb wi‡eU cÖ`vb Kiv nq bv |

O) PjwZ A_©eQ‡i 2 (`yB) gv‡mi AwaK wKw¯Í iwnZKiY myweav MÖnY Ki‡j cÖ`vbK…Z my‡`i Dci wi‡eU cÖ`vb Kiv nq bv| GKB mv‡_ wbw`©ó wKw¯Íi UvKvi †P‡q Kg cwigvb wKw¯Íi UvKv †diZ w`‡j †mUv‡K wKw¯Í iwnZ wn‡m‡e MYbv Kiv n‡e| G‡¶‡Î D³ wbqg cÖ‡hvR¨ n‡e|

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