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smStI ArQSwsqr dy isDWq




                         È؇     Aqy vrqmwx hsqWqrx Bugqwn dw joV hY[” (Personal income is the income actually received by per-
                                 sons from all sources in the form of current transfer payments and factor income. – Peterson)
                                 ivAkqIgq Awmdn dy  AMdr ivAkiqAW ƒ swry sroqW qo hikkq iv`c pRwpq hox vwlI Awmdn ƒ swml ikqw
                                 jwdw hY adwhrx dy qor qy, PrmW jw ingmW ƒ jyVw lwB pRwpq huMdw hY auhwdy iv`co kuC ihsw ivAkiqAW iv`c
                                 nhI vNifAw jwdW[ auh Aivqirq lwB (Undistributed Profit), ijƒ aDmW dI bcq (Corporate Saving)
                                 vI ikhw jwdW hY dy rup ivc PrmW dy kol rh jwdw hY[
                                 iehdw pRXog (a) ingm kr cukwx dy leI Aqy (A) ingm bcq (AwriSq kOS) krx dy leI ikqW jwdW hY[
                                 iesleI iehƒ ivAkqIgq Awmdn iv`c swml nhI ikqw jwdW hY[


                                     ivAkqIgq Awmdn = injI Awmdn – ingm kr – ingmW dI bcqy (ivdySI kNpinAW dI pRiqDwirq
                                                                   Awmdn Gtw kr)

                                 (xii) ivAkqIgq pRXojX Awmdn (Personal Disposable Income)
                                 ivAkqIgq pRXojX Awmdn ƒ pRwpq krx dy leI ivAkqIgq Awmdn dy iv`c dI pRqXS kro Aqy srkwrI pR-
                                 Swsink ivBwgo kI ivivD pRwpiqAw Bwv Sulko, jurmwny AwdI ƒ Gtw idqw jwdW hY[ ies Awmdn ƒ hI grhsQ
                                 AwpxI Kud dI mrjI dy nwl Krc krx jw bcq krx dy leI Awjwd huMdy hY[ivAkqIgq pRXojX Awmdn grhsQ
                                 dI krX SkqI dw suck hMudI hY[


                                            ivAkqIgq pRXojX Awmdn = pirvwr Kyqr dw apBog + pirvwr Kyqr dI bcq

                                 pItrsn dy Anuswr, “pRXojX Awmdn auh Awmdn hY jyVI kI pirvwr dy swry sroqW qo pRwpq huMdI hY Aqy ausdy
                                 kol srkwr rwhI ausdI Awmdn Aqy sMpiqAW qy lwey gey swry qrW dy krW dw Bugqwn krx qo bwd bcdI
                                 hY[”(Disposable income is the income available to persons from all sources and remaining
                                 with them after deduction of all taxes levied against their income and their property by the
                                 government. – Peterson)

                                   pRXojX Awmdn = ivAkqIgq Awmdn – pRqXS kr ( Awmdn kr Aqy sMpiq kr) – srkwr dy pRSwsink
                                           ivBwgW dI ivivD pRwpiqAW (ivAkqIXW rwhI srkwr ƒ idqI geI PIsy Aqy jurmwny)

                                 (xiii)  rwStrI pRXojX Awmdn – skl Aqy SuD AvDwrxwvW
                                    (National Disposable Income–Gross and Net Concepts)
                                 rwStrI pRXojX Awmdn swry sroqW qo pRwpq huMdI hY (Bwv Awmdn Aqy ivdySW qo pRwpq hsqWqrx Bugqwn) jyVw
                                 ik iek dyS dy vwisAw ƒ iek swl dI AviD iv`c apBog Krc jw bcq dy leI aplbD huMdI hY[
                                 skl rwStrI pRXojX Awmdn iv`c punrsQwpn lwgq (Current Replacement Cost) Swml huMdI hY jdik
                                 SuD pRXojX Awmdn (sSyp iv`c pXojX Awmdn) iv`c ieh swml nhI hMudI[


                                   +  cwlU punrsDwpn lwgq ik hY? (What is Current Replacement Cost?)

                                   ieh iksy rwStr rwhI iek swl iv`c apXog ik jwx vwlI sMpqI dy bykwr ho jwx dy kwrx aswdy punrs-
                                   Dwpn dI lwgq hY[ ies purI ArQ-ivvsQw dI iGswvt (jw pMujI dw apBog) hY[



                                   SuD rwStrI pRXojX Awmdn ( sNSy5 iv`c, pRXojX Awmdn) = skl rwStrI pRXojX Awmdn – cwlU punrsSwpn
                                   lwgq (jyVI kI purI ArQ-ivvsQw dy p`Dr qy mu`l hRws huMdI hY[)




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