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fgUnh –I




                     uksV        1-1 dchj ok.kh dk egÙo



                                 1-1-1 osQoy lk[kh Hkkx (1 ls 20 rd) lanHkZ lfgr O;k[;k

                                                     1-  jke uke osQ iVrjS] nscs dkSa dNq uk¡fgA
                                                         D;k ys xq# larksf"k,] gkSal jgh eu ek¡fgAA1AA
                                 'kCnkFkZµiVrjS = cnys esa] izfrnku esaA gkSal = bPNkA

                                 lanHkZµizLrqr in esa dchj us ;g Hkko O;Dr fd;k gS fd jke&uke dk xq# ea=k iznku djus okys xq# osQ ½.k
                                 ls m½.k ugha gqvk tk ldrkA
                                 HkkokFkZµdchj dgrs gSa fd esjs xq# us jke&uke osQ xq#&ea=k osQ :i esa eq>s tks vueksy ghjk iznku fd;k gS]
                                 mlosQ izfrnku esa eSa mUgsa D;k oLrq iznku djosQ larq"V d:a\ esjh ;g bPNk] bPNk ek=k gh jg x;h gSA Hkko ;g
                                 gS fd bl xq#&eU=k osQ mi;qDr xq#&nf{k.kk pqdkus osQ fy, eq>s dksbZ ,slk mfpr inkFkZ gh ugha fn[kkbZ nsrk] ftls
                                 eSa vkt Lo&xq# dks lkSai dj viuh bPNk&iwfrZ dj loawQµml xq#&eU=k dk ewY; gh ugha vkadk tk ldrkA

                                      (i) fo'ks"kµf'k"; dh xq# osQ izfr J¼k&Hkko dh bu iafDr;ksa esa cM+h gh ekfeZd O;atuk gqbZA
                                     (ii) vyadkj = NsdkuqizklA

                                                   2- lrxq# loka u dks lxk] lks/h lbZ u nkfrA

                                                       gfjth loka u gks fgrw] gfjtu lbZ u tkfrAA2AA
                                 'kCnkFkZµloka = lekuA lxk = lEcUèkh] viukA lks/h = rRo'kksèkd lbZ = lekuA nkfr = nkrkA fgrw = midkjhA
                                 lUnHkZµbl nksgs esa dchj us ln~xq#_ rRo'kksèkd] gfj rFkk gfjHkDrksa dh egÙkk ij izdk'k Mkyk gSA

                                 HkkokFkZµdchj dgrs gSa fd esjs fy, bl lalkj esa ln~xq# osQ leku dksbZ Hkh fudV lEcUèkh ugha gS] rRo&'kksèkdksa
                                 dh Hkk¡fr dksbZ Hkh vU; nkrk ugha gS] bZ'oj osQ leku dksbZ vU; fgrdkjh ugha gS] rFkk gfjHkDrksa dh tekr ls
                                 c<+dj vkSj dksbZ tkfr ugha gSA Hkko ;g gS fd ln~xq# }kjk bZ'oj ls lk{kkRdkj djkus] rRo'kks/d }kjk eeZ dh
                                 ckrsa crkus] bZ'oj }kjk eks{k iznku djus rFkk gfj&HkDrksa }kjk bZ'oj&izse tkxzr~ djus osQ dkj.k] budh lerk esa
                                 dksbZ Hkh lEcUèkh] nkrk] fgrS"kh ;k tkfr (czkã.k vkfn) ugha BgjrsA

                                 vyadkjµmieku] yqIrksiek] o`R;uqizklA
                                                   3-  pkSalfB nhok tksb dfj pkSng pank ek¡fgA

                                                       frfg ?kj fdldkSa] pk¡nukSa] ftfg ?kj lrxq# uk¡fgAA3AA
                                 'kCnkFkZµnhok = nhidA tksbZ dfj = tykdjA pkSng pUnk = nwt ls ysdj iw.kZeklh rd osQ pUnzekA frfg =
                                 mlosQA

                                 lanHkZµlUnHkZxr lk[kh esa dchj us ln~xq# dh egÙkk dk izfriknu fd;k gSA
                                 HkkokFkZµdchj dgrs gSa fd ftl O;fDr osQ ?kj esa ln~xq# osQ lnqins'k&:ih nhid dk izdk'k ugha gS mlosQ x`g
                                 esa vUèkdkj gh Nk;k jgrk gS] pkgs mlosQ ?kj esa pkSalB fo|kvksa&:ih pkSalB nhidksa rFkk pkSngksa pUnzekvksa dk
                                 izdk'k D;kas u dj fn;k tk,A ;g gS fd pkSalB fo|k ;k dykvksa esa ikjaxr gksrs gq, Hkh izk.kh dk va/dkj nwj
                                 ugha gksrk tks fdlh ln~xq# ls mins'k xzg.k ugha djrkA




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