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iekweI–8: swpyS Awmdn pirklpnw




            ikauik auh Awpxy gvWifAW Aqy swiQAW dy apBog imAwr iqkwr pujwx dw Xqn krdw hY[ iedy nwl lMmy smy   È؇
            dy APC dI siQrqw spSt ho jWdI hY, ikauik kul imlwkr G`t jW v`D APC sMquilq ho jwvygI [ies pRkwr ,
            jy kr iksy dyS iv`c Awmdn dw inrpyK Awkwr v`D jwvy , qW vI swrI ArQivvsQw dI APC Awmdn  dy a`cy
            inrpyK p`Dr qy siQr rhygI[
            fUsnbrI dy isDWq dw du`jw Bwg hY, ‘Awmdn dI ipClI cotI’ (past peak of income) pirklpnw jo apBog
            Pln iv`c AlpkwLIn aqwr-cVwv dI ivAwiKAw krdI hY[ Aqy kynz dI ies mwnqw dw KMfx krdI hY ik
            apoBog sMbD pirvrqnIX hY[ ies pirklpnw dI sQwpxw hY ik smirDI dI AvDI dy dorwx apBog v`Dygw Aqy
            holI-holI Awpxy Awp nUM v`D aucy p`Dr dy AnukUl (adjust) kr lyvygw[jd iek vwr lok Awmdn dy iek ivSyS
            auc`y p`Dr qy puMj jWdy hn Aqy ies jIvn p`Dr dy AwdI ho jWdy hn qW mMdI dy dorwx vI auh Awpxy apBog FWcy
            ƒ C`fx ƒ iqAwr nhI huMdy[ fUsnbrI dy SbdW iv`c, “ iksy pirvwr dy leI SurU iv`c v`D Krcy nUM rokx dI
            bjwey au`cy p`Dr dy Krcy G`twauxw v`D kiTn hMudw hY[ ies qrW ijvy ijvy Awmdn ifgqI hY apBg vI ifgdw
            qW hY pr Awmdn iv`c v`DI dI bjwey G`t Anpwq iv`c, ikauik apBog ƒ bnwey rKwx dy leI apBogqw Krc
            krdw hY[ dujI Aor, jd smuqQwn (recovery) dy smy iv`c Awmdn v`DdI hY, qW bcq i`v`c q`jI nwl virDI dy
            nwl apBog vI v`Ddw hY[" iehƒ ArQSSqrI rYct pRBwv kwihdy hn[






                 È؇√       hr ivAkqI dw apBog ivvhwr svqMqr nhI huMdw ieh qW hr ivAkqI dy ivvhwr qy
                            inrBwr krdw hY[

            fusnbrI ny AwpxI pirklnwvW imlwkr iehwƒ Qwly ilKy rup iv`c pyS kIqw hY –

                                              C t  = a − c  Y t
                                              Y t      Y 0
            √ÚÀ ÓπÒª’‰ (Self Assessment)
            irkq QwvW ƒ Bro (Fill in the blanks):
              1.  jyms fUsnbrI dI swpyS Awmdn pirklpnw ……………… dy apBog isDWq dI AwDwrBuq mwinqwvW
                 dy AsvIkwr qy AwDwirq hY[
              2.  hr ivAkqI dw apBog ivvhwr svqMqr ……………… nhI huMdw[
              3.  apBog sMbD smy iv`c ……………… huMdy hn[
            ijQy C Aqy Y krmS apBOg Aqy Awmdn hY, t cwlU smy ƒ dwsdw hY, (o)
            pwihly ijAwdqr p`Dr ƒ Aqy a Dnwqmk apBog nwl sMbDq hY Aqy c
            apBog Pln hY[ ies smIkrx iv`c, cwlu smy dy apBog-Awmdn Anupwq
            (C  / Y ) ( =APC) ƒ Y   / Y  dw Pln mwinAw igAw hY Bwv ipClI
              t  t            t    0
            ijAwdwqr Awmdn nwl cwlu Awmdn dw Anupwq[ jykr ieh Anpwq
            siQr rwihdw hY, ijvy jw siQrqw nwl v`DdI Awmdn dI smy iv`c huMdw
            hY, qW cwlU apBog Awmdn Anupwq siQr rwihdW hY[ mMdI dy dorwn, jd
            cwlU Awmdn (Y ) ipCly ijAwdqr Awmdn p`Dr (Y ) qo Qwly ifgdI hY,
                       t                          0
            qW cwlU apBog Awmdn (C  / Y ) v`Dygw[                          icqr 8.1
                               t   t
            swpyS Awmdn pirklpnw ƒ ryKwicqirq rup iv`c icqr 7.5 iv`c ivKwieAw igAw hY ijQy C lMmy smy dy apBog
                                                                              L
            Pln hY Aqy C  Aqy C  AlpkwlIn apBOg Pln hY[ mMn lwieAy ik Awmdn OY  dy ijAwdqwr p`Dr qy
                       s1     s2                                          1
            hY ijQy apBOg E Y  hY[ hux Awmdn ifgkr OY ho jWdI hY[ ikauik lok OY  p~Dr qy jIvq p`Dr dy AwdI
                        1  1                    0                    1
            hn, iesleI auh Awpxy apBog ƒ G`twkr E Y  p`Dr qy nhI lwxgy,  blik AwpxI cwlU bcqW G`twkr Awpxy
                                            0  0

                                 LOVELY PROFESSIONAL UNIVERSITY                                                73
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