Page 307 - DEDU502_GUIDANCE_AND_COUNSELING_HINDI

bdkbZ—29% :fp ijh{k.k

(i) foKku esa :fp uksV
(ii) Hkk"kk esa :fp
(iii) euq";ksa esa :fp
(iv) O;kikj esa :fp

bu pkj :fp;ksa dks mlus izkFkfed :fp;k¡ dgdj iqdkjkA lu~ 1936 esa mlus iqu% 80 O;olk;ksa dk ?kVd &
fo'ys"k.k fd;k vkSj fuEufyf[kr 8 izkFkfed :fp ?kVdksa (Interest Factors) dh [kkst dhA
(i) O;kikfjd :fp
(ii) dkuwuh :fp
(iii) lkSUn;kZRed :fp
(iv) 'kS{kf.kd :fp

(v) tho oSKkfud :fp
(vi) dykRed :fp
(vii) HkkSfrd foKku lEcUèkh :fp
(viii) o.kZukRed :fp
bu :fp ?kVdksa dks è;ku esa j[kdj mlus :fp&vuqlwph (Interest Schedule) rS;kj dhA bl vuqlwph esa] O;fDr
ls mldh :fp;k¡ iwNh tkrh gSa fd og fdl O;olk; dks ilUn djrk gSA O;olk;ksa dks ;qXe (Pair) ds :i esa
fn;k x;k gSA O;olk;ksa dks ;qXe (Pair) ds :i esa fn;k x;k gS rFkk O;fDr dks viuh ilUn izdV djuh gksrh
gSA ;g pquko djrs le; O;fDr dks ;g eku ysuk gksrk gS fd mu ;qXeksa okys nks&nks O;olk;ksa ds eè; vk; dk
dksbZ vUrj ugha gSA
O;olk; pquus ds fy;s fuEukafdr pkj vkns'k fn;s tkrs gSa&

(v) 1 dks lwfpr djks] ;fn rqe 1 dks ilUn djrs gksA
(c) 2 dks lwfpr djks] ;fn rqe 2 dks ilUn djrs gksA
(l) 1 vkSj 2 dks lwfpr djks] ;fn rqe nksuksa dks ilUn djrs gksA
(n) 1 vkSj 2 dks dkV nks] ;fn rqe nksuksa dks ukilUn djrs gksA

bl izdkj] ,d gh i=k ij fn;s x, 100 oxks± ds [kkuksa esa fy[ks x;s nks&nks O;olk;ksa esa fu'kku yxkus iM+rs gSaA ijh{kd
bu fu'kkuksa dh lgk;rk ls :fp;ksa dh izfro`Qfr fudkyus dh dksf'k'k djrk gSA
fo'ks"krk,¡ (Features)
FkLVZu dh :fp&vuqlwph dh izeq[k fo'ks"krk,¡ fuEufyf[kr gSaμ

(1) bl vuqlwph ls :fp lEcUèkh 7 ?kVdksa dh 'kfDr dk ekiu gksrk gS vkSj lk{kkRdkj }kjk bl ckr dh iqf"V
dh tkrh gS fd O;fDr dks fdl is'ks esa vfèkd :fp gSA
(2) ;g vuqlwph bl iz'u dk mRrj ns ldrh gS fd fdl O;fDr esa lkekftd vFkok oSKkfud vFkok vU;
fdl izdkj dh :fp;k¡ rhoz gSa ysfdu] LVªkax dk izi=k bl ckr dk mRrj ugha ns ldrk] og rks ek=k ;g
crkrk gS fd D;k bl O;fDr dh :fp;k¡ veqd is'ks dks viukus okys O;fDr;ksa tSlh gSa\
(3) FkLVZu dh vuqlwph de le; esa :fp lEcUèkh tkudkjh ns ldrh gS] D;ksafd] blesa dsoy 72 is'kksa dks
gh tk¡puk iM+rk gS] ysfdu] LVªkax ds izi=k esa mls 100 is'kksa] 50 euksjatu lEcUèkh dk;ks±] 39 LowQyh fo"k;ksa]
52 vU; fozQ;kvksa] 53 O;fDr;ksa dh fo'ks"krkvksa dks tk¡puk iM+rk gSA
(4) LVªkax ds izi=k dk ewY;k¡du djus esa Hkh le; vfèkd yxrk gSA

LOVELY PROFESSIONAL UNIVERSITY 301