foÙkh; lk{kjrk - needsngo.in · dh hkkoukvksa dk lsyko eu esa vkrk jgrk gs] fdlh ls ckr djus dh...

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foÙkh; lk{kjrk ;qok leqnk; ds fy, FINANCIAL LITERACY FOR YOUNG PEOPLE

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Page 1: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk;qok leqnk; ds fy,

FINANCIAL LITERACY FOR YOUNG PEOPLE

Page 2: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus
Page 3: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

(Network for Enterprises Enhancement and Development Support)

House Plot No. 275, Near Charkipahari, Tapovan Road,P.O. Ashram Karnibad, Deoghar - 814143

Jharkhand (INDIA)Tel. : +91-9204060496

E-mail : [email protected] : www.needsngo.in

foÙkh; lk{kjrk;qok leqnk; ds fy,

Page 4: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 2 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

vuqØef.kdk Ekuksxr---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------1

vQykrhumiØe------------------------------------------------------------------------------------------------------------------------------------------------------------2

Hkkx&1% esjh igpku] esjh Hkkouk,¡a] esjs lius] esjk y{;] esjs nksLr] esjh nksLrh] esjk i;kZoj.k]

esjh {kerk,a rFkk lewg dh Hkkouk

eSafdldkdkSu-----------------------------------------------------------------------------------------------------------------------------------------------------------------5

eSagw¡adkSu----------------------------------------------------------------------------------------------------------------------------------------------------------------------------6

gekjhHkkouk,a--------------------------------------------------------------------------------------------------------------------------------------------------------------------8

esjslius------------------------------------------------------------------------------------------------------------------------------------------------------------------------------9

[kjxks’krFkkdNq,dhdgkuh---------------------------------------------------------------------------------------------------------------------------------- 11

rksM+Mkysgenhokjsaviuseudh-------------------------------------------------------------------------------------------------------------------------- 13

izd`frdhnsu]gekjslalk/ku------------------------------------------------------------------------------------------------------------------------------------ 14

Hkkx&2% cPpksa ds vf/kdkj vkSj ftEesnkfj;k¡a] cPpksa dh lEkL;k,a] otg] rFkk fodYi

gekjhj’khnk]gekjktkWu------------------------------------------------------------------------------------------------------------------------------------------- 16

ckyvf/kdkjksadkfp=k------------------------------------------------------------------------------------------------------------------------------------------------ 17

ckyfookfgryM+dhdsthoudk,dfnu------------------------------------------------------------------------------------------------------ 18

Hkkx&3% foRr f'k{kk] tek[kpkZ] fuos'k] vuqekfur ctV] cSad dk dkedkt] ftEesnkj xzkgd

iSlksadk[ksy------------------------------------------------------------------------------------------------------------------------------------------------------------------ 20

cprdsfofHkUujkLrs--------------------------------------------------------------------------------------------------------------------------------------------------- 21

ljyC;ktvkSjpØo`f)C;kTk------------------------------------------------------------------------------------------------------------------------------ 22

esjkvuqekfurctV----------------------------------------------------------------------------------------------------------------------------------------------------- 24

ikfjokfjdvuqekfurctV--------------------------------------------------------------------------------------------------------------------------------------- 25

gekjhcSad------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 26

eSaxzkgd--------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 29

Hkkx&4% lkekftd loky rFkk ifjorZu dh rS;kjh

HkwfedkdkMZ------------------------------------------------------------------------------------------------------------------------------------------------------------------ 31

leL;kdkpqukorFkkfu;kstu¼tehudsfeV~Vhdkcgko½------------------------------------------------------------------------- 33

leL;kdkpqukorFkkfu;kstu¼cky&fookg½----------------------------------------------------------------------------------------------------- 34

Page 5: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 3

fiz; fe=kksa]

vQykrhu ifjokj esa vkidk Lokxr gSA vkt rd vQykrwu dk;ZØe Ng ls pkSng lky ds cPpksa ds fy, Ldwyh Lrj ij pyrk jgk gSA bUgha vuqHkoksa ls izsfjr gksdj geus vQykrhu dk;ZØe rsjg ls vBkjg lky ds mez ds cPpksa ds fy, cuk;k gSA Vhu ,t ;g vaxzsth 'kCn gS] ftldk eryc gS] uo;qod@uo;qorh & cM+s gks jgs cPpsA bl mez ds yM++ds rFkk yM++fd;ksa dh [kqn dh igpku] muds lius rFkk muds vkl&ikl ds ekgkSy esa cnyko vkrk jgrk gSA ,d ftEesnkj O;fDr cuus dk vglkl] [kqn ds vf/kdkjksa ,oa ftEesnkfj;k¡ ds izfr voxr gksus ds lkFk cM+s gksdj dqN vyx djus dh pkg iuius yxrh gSA blfy, bu cPpksa ds lkFk dke djrs le; bu eqn~nksa ij fopkj&foe'kZ djuk t#jh gSA ;gh lksp vQykrhu dk;ZØe dk dsUnzfcanq cuk gSA bl mez ds cPpksa ds [kkl lokyksa rFkk muls tqM+s dqN vge lkekftd eqn~nksa ij ,d ifjppkZ djus dh iz;kl bl dk;ZØe ds }kjk dh xbZ gSA blesa uk flQZ ckrksa ij] CkfYd ppkZ ij /;ku fn;k x;k gS] dqN dk;Z djus ij Hkh tksj fn;k x;k gS rkfd cPpksa esa fØ;k'khy lgHkkfxrk ,oa viusa ls 'kq#vkr djus dh Hkkouk mtkxj gksA vQykrhu ukjs ds }kjk ;s cPPks viuh lksp dks c<+kok nsus esa l{ke gksaxsA vQykrhu dh igpku] mls iwjk djus dh dksf'k'k] fu;kstu] fØ;k'khyrk rFkk vFkd iz;kl ds lkFk gh [kqn dk vkSj vkl&ikl ds lekt dk fodkl gks ldrk gS] bl lksp dks dk;e j[kus dh dksf'k'k bl iqfLrdk }kjk dh xbZ gSA bl iqfLrdk dh ewy lksp dks /;ku esa j[kdj vius vuqHkoksa vkSj dYiukvksa dks tksM+dj bl dk;Zdze dks vey esa yk,] rks gh gekjk mn~ns'; lQy gks ldrk gSA bl dk;Zdze dks 'kq# djus esa lcls cM+h fnDdr gSS] mls cM+s gksrs cPpksa ds ilan dk cukukA cpiu dh e/kqj ;knksa ls fudydj tokuh ds nLrd ij [kM+h ;g ih<+h cgqr gh uktqd eksM+ ij gksrh gSA okLrfod #i esa buls okrkZyki djuk ,d vkuannk;h vuqHko gksrk gSA ysfdu muds eu esa mBs lokyksa ds lSykcksa ls tq>uk rFkk muds lokyksa dks lgh fn'kk nsdj tokcksa dks <w<us ads dke esa lg;ksx nsuk] ;g vkSj Hkh dfBu dke cu tkrk gSA lksygoka lky bu cPpksa ds fy, dbZ rjg ls egRoiw.kZ gksrk gSA vyx&vyx fdLe dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus dk liuk fy, ?kqers gSa ;s cPpsA muds liuksa ds jkLrksa dks vklku cukus ds fy, fd;k x;k vQykrhu dk;ZØe] ,d iz;kl gSAvkidk lkFkh

eqjkjh eksgu pkS/kjh

Hkwfedk---

Page 6: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 4 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

vQykrhu

miØe-----

gj,dO;fDresa,dvQykrhuNqikjgrkgSAubZdYiukvksadksmtkxjdjviusthoudkslqanjcukusdhdksf’k’k]oggjO;fDrdjrkjgrkgSAviuslkglrFkkesgurdscycqrsij;gvQykrhu]thoudku;keryc[kkstusdsdkeesages’kkvkxsjgrkgSAblhlksplsthouesacnykodhmEehniSnkgksrhgSAysfdudbZckj;gvQykrhugekjseudsvanjNqikjgrkgS]ftldhgesatkudkjhHkhughagksrhAjkstejkZdhftanxhesa]mls;kndjusdkle;ghughafeyrkAdbZckjbalkulektesagksjgsvU;k;]fo"kerkvksadsf[kykQdqNlkspusdk]fodYi<w<usdkiz;klughadjikrkgSAmlhcjlksaiqjkuhekU;rkvksadksysdjfcukfdlhlokyksa;koSKkfudvk/kkjksadsmUgsaLohdkjrkjgrkgSAbllsbalkudsvanju,lkspdhfpaxkjhejtkrhgSAifj.kkeo'kbalkuviuhftanxhlsek;qlgksdjthrkjgrkgS]ftllslektesadksbZcnykoughavkrkAbllektdhnfd;kuqlhekU;rkvksadkspqukSrhnsusdkdkevQykrhudjrkgSA;gdksf’k’kcgqrghcqfu;knhvkSjvgegSA

vQykrhudkdkeik¡pekU;rkvksaijpyrkgSA

Lo;a dh igpku %

eSaLo;a,dvyxO;fDrgw¡aAesjh,d[kkligpkugSAesjkLoHkko[kklgS];geSatkurhgw¡aAeSaesjhHkkoukvksadksle>djftEesnkjhlsmlsn’kkZrhgw¡AlkFkgheSaeq>esdqNcnykoHkhykuktkurhgw¡AesjsliuksarFkkesjsy{;dkslkdkjdjusdsfy,eq>esaHkjkslkiSnkgksukt#jhgS];geSatkurhgw¡aAizkxfrdlksplseq>sesjsy{;rdigq¡pusesaennfeyrhgSAgkjuekudjdhgqbZdksf’k’keq>sthrfnykrhgSA

esjs vkl&ikl ds ekgkSy ds lkFk esjk fj’rk %

eSaesjslektdk,dfgLlkgw¡aAcnykodsfy,esjsiz;klrFkkekgkSyijfuHkZjgS]D;ksafdbllseSavkSjesjslektijbldkvljgksxkAbllektdslokyksadksfcuklqy>k,esjkthouvkxsughac<+ldrkAesjkfodklHkhbldsfcukeqefduughagSAesjsekgkSyesesjkfodklfNikgS];geq>sirkgksukpkfg,Ablfy,esjslektdscqfu;knhphtksadsizfreq>slEekurFkkI;kjc<+kukgksxkA

lafo/kku &dkuwu dk nk;jk %

gekjslafo/kku]jk"Vªh;rFkkvarjkZ"Vªh;dkuwuksausgekjsthoudks,dnk;jsesacak/kkgSAbudkuwuksadhotglsgesadqNvf/kdkjizkIrgksrsgSarFkkvf/kdkjksadslkFkgekjhdqNftEesnkfj;k¡HkhcurhgSAesjslkFknwljksadsvf/kdkjksadhlqj{kkdjusdslkFknwljksadsvf/kdkjksadkslqfuf’prdjukHkhesjkdrZO;gSAlektfojks/khdkuwuksalsyM+dj]lektdsfgresadkuwuksadsfuekZ.kesaHkhesjklg;ksxcukjgsxkAbllseSa,dftEesnkjukxfjdcurkgw¡aA

Page 7: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 5

lafo/kkurFkkdkuwudhennlsekuoh;ewY;ksadklEekudjuk];gesjkdrZO;curkgSA

lekt dh vFkZO;oLFkk dks le>uk %

lektdslkFkeq>smldhvFkZO;oLFkkdksle>ukHkhcgqrt#jhgSAbldsfcukesjkrFkkesjslektdkfgrughagksldrkAblfy,eq>sfoRrh;fu;eksadksle>ukt#jhgSAbllsgefdlhHkhfoRrh;uqdlkulscpsjgsaxsA

ifjorZu ds fy, iz;kl %

[kqndksle>djvkl&ikldslekt@i;kZoj.kdksle>dj]viusgdksarFkkdrZO;ksadkewY;le>djviusvkl&ikldhvFkZO;oLFkkdkstkudjtksifjorZudsfy,lkewfgdiz;kldjrkgS]bldsfy,tksubZdYiukvksa]liuksadksltkusdsfy,u,fopkjksadkslkFkesaysrkgS]oggSvlyhvQykrhuAifjorZuds fy,;giz;kllkekftd;kfoRrh;lq/kkjksadsfy,gksldrsgSA

vQykrhudk;ZØeesa'kkfeygj,dO;fDrbuik¡pladYiukvksadsvk/kkjijdkedjrkgSA;gdk;ZØzeT;knkrjuo;qodksarFkkuo;qofr;ksadslkFkdkedjusokyhcM+hmezdsyksxksadslkFkHkhgksrkgSAgj,ddhmez]is’kkblijvk/kkfjrgSAbldk;ZØedkfu;kstugkWyS.MesafLFrvQykrhubaVjuS’kuylaLFkkdjrhgSAfcgkj,oa>kj[k.MdsdbZtxgijbldk;ZØedkfu;kstuuhM~llaLFkkds}kjkfd;ktkjgkgSA

vQykrhu cPpksa dk dk;ZØe %

bldk;ZØzeesauo;qodcPpksaesagksrs'kkjhfjdrFkkekufldcnykoksadks/;kuesaj[kdjcuk;kx;kgSAigysl=klscPpksaesagksusokyscnykodslkFkmudhviuhigpkudksysdjckrsadhxbZgSAbllsmudhviuhigpkuvkusokysl=kksaesaT;knketcwrgksrhtk,xhAviuslekt]rFkki;kZoj.klstqM+kukrkvkSjxgjkgksrktk,xk,oaviusvf/kdkjksa,oaftEesnkfj;ksadsckjsesale>Hkhc<+sxhAos]lkeusvk;hfoRrh;O;oLFkkdsvuqlkjviuhvkSjviuslektdkfgrdjusdsiz;kldkstkjhj[ksaxs]ftllsmudkfodklgksldrkgSAbulHkhckrksalsoslektdsizfrtkx#dgksdjcnykodsfy,rS;kjgkstk,axsAlkekftdrFkkfoRrh;cnykoksadsfy,fd,x,mudsiz;klghmUgsavQykrhucuknsaxasA

Page 8: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 6 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

eSa] esjh igpku] esjh Hkkouk,a] esjs lius] esjk y{;] esjs nksLr]esjh nksLrh] esjk i;kZoj.k] esjh {kerk,¡ rFkk lewg dh Hkkouk

eSa]esjhigpku]esjhHkkouk,a]esjslius]esjky{;]esjsnksLr]esjhnksLrhtSlsikBksalsblfoHkkxdh'kq#vkrgksxhAesjh{kerk,arFkkeq>esajgusokyhvPNh;kcqjhvknrksa]phtksadksle>dj]muesacnykodjusdh;g'kq#vkrjgsxhAu;hlksp]u;h[kkstrFkku;hdYiukvksalsesjkfodkleqefdugksxkAblfy,fuekZ.kdhHkkoukdhvgfe;rtkudjeq>sblrjglkspdhizfØ;kdksvkxsysdjtkusdsfy,blfoHkkxlsiszj.kkfeysxhA

eSaesjh[kkstdjrsgq,]esjsekgkSy]esjsi;kZoj.k,oalektdslkFkesjkfj’rkfdlrjgjgsxk]bldsckjsesaHkheq>sekywegksusdkvoljbllsfeysxkA ijLij lg;ksx] HkkbZ pkjk] izkxfrd vkxs c<+us dh lksp eq>sftEesnkjcukusdsfy,Qk;nseangksxhA

Hkkx&1

Page 9: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 7

gelektesajgrsgSvkSjgekjh,digpkugksrhgSAdksbZHkhO;fDrviukuke]xk¡odkuke]vkl&ikldkekgkSytSlsphtksalsigpkuktkrkgSAblfy,og,d&nwljslsfeyrktqyrkfQjHkhvyxgksrkgSAbligpkudslkFkfdlhHkhO;fDrdsnkf;RodkHkheqíktqM+kgksrkgSrFkk;gnkf;Ro;kftEesnkjhviuhvyx&vyxigpkudsrgrvyx&vyxgksrhgSAgesa]viuhigpkudslkFkvkusokyhftEesnkfj;ksadsizfrltxjgdjmUgsafnylsiwjhdjusdh[okb’kj[kusdht#jrgSA;fn;gle>geviusHkhrjc<k,a]rksghgeftEesnkjO;fDrdgyk,axsaA

eSadkSu\ eSa-----

esjsfirkth----- mudh@mudkeSa-----

esjhek¡----- mldk@mldheSa-----

esjkcM+kHkkbZ----- mldk@mldheSa-----

esjhcM+hcgu----- mldk@mldheSa-----

esjkNksVkHkkbZ----- mldk@mldheSa-----

esjhNksVhcgu----- mldk@mldheSa-----

esjsnknkvkSjnknh----- mudh@mudkeSa-----

esjspkpkvkSjpkph----- mudh@mudkeSa-----

esjsekekvkSjekeh----- mudh@mudkeSa-----

esjsiM+kslh----- mudh@mudkeSa-----

esjhikB’kkyk----- mldk@mldheSa-----

esjsv/;kid----- mudh@mudkeSa-----

esjkxk¡o----- mldk@mldheSa-----

esjkftyk]esjkjkT;]esjkns’k----- mldk@mldheSa-----

eSa dkSu] esjh igpku \

Page 10: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 8 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

eSa gw¡a dkSu \

eSa gw¡a dkSu \ vkSj eSa vk;k dgk¡ ls\

eq>s u;h&u;h phtsa fl[kuh gS]

Lo;a dh [kkst dj] u, jkLrs viukus gS]

esjs thou dk y{;] eq>s r; djuk gS]

bldh [kkst eSa d#axh]

D;ksafd eSa gw¡a vQykrhu-----eq>s lius vkrs gS] mToy Hkfo"; ds]

esjs vPNs thou ds]

rFkk esjs vkl&ikl ds lqanj nqfu;k ds]

eSaus ;s lius iwjs djus dk fu'p; fd;k gS]

D;ksafd eSa gw¡a vQykrhu-----vkl&ikl dh nqfu;k] eq>s dHkh lqanj fn[krh gS]

dHkh cgqr gh funZ;h] Hk;kud okLro ls esjk ikyk iM+rk gS]

ysfdu ;g nqfu;k eSa cnywaxh] bls eSa lq/kk#¡xha]

D;ksafd eSa gw¡a vQykrhu-----Eqk>esa gS dqN vPNh ckrsa] dqN cqjh ckrsa]

dHkh esjk gksrk gS lEeku]rks dHkh yksx eq> ij xqLlk djrs gS]

eSa [kqn dks vPNk cukdj vPNh balku cuuk pkgrh gw¡a]

blfy, eSa iwjh dksf'k'k d#Waxh]

D;ksafd eSa gw¡a vQykrhu-----eSa gw¡a rq>esa] eSa gw¡a mlesa]

eSa gw¡a mu lcesa]tks lcds Hkys ds fy, dksf'k'k djrs gS]

cnyko ds fy, iz;kl djrs gS]

nqfu;k dk fuMj gksdj lkeuk djrs gS]

D;ksafd eSa gw¡a vQykrhu-----

Page 11: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 9

D;kns[kukgSvkidks]viusvanjNqisvQykrhudks\pfy,]vkidkck¡;kgkFkvkidkxtijjf[k,AvaxwBsdksFkksM+kvkxsfudkfy,AvkSjviusiatsdhennlsisaflyls,djs[kkcukb,Amldhvk¡[kas]ukdfudkysvkSjns[ksaD;kdqNutjvkrkgS\

D;kvkidksfn[kkbZfn;kAvkidsHkhrjNqisblvQykrhudks\oggSvkidheqV~Bhesa!;fn/;kulsns[ksarksogvkidkst#jfn[kkbZnsxkA;fnvkidksmlsfeyukgSrksnksLrksa]

gesagekjhdqNvknrksadkscnyusdht#jrgSA

gesalokyiwNuspkfg,][kkstysuhpkfg,A

u;s&u;sfopkjksaijlkspukpkfg,]'keZ;kMjlsgVdjvkxsvkukpkfg,A

vkRefo’okldstfj,ckgj?kweukpkfg,A

rHkhtkdjvkidkutfj;kcnysxk]

KkudsHkaMkjvkidsfy,[kqytk,axs]

pfy,]fQjvki,dfu’p;djsa]

ppkZdjs]lkspdjsa]

[kkstysa]fopkj&foe’kZdjsa]

[kkstdsvuqlkjdkedjsa]ftlsviuhnqfu;kvQykrhucutk,xhAA

Page 12: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 10 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

DyklesavQykrhuDycdscPPks,dlkFkcSBdj ppkZ djssa fd] balku ds psgjksa ijfdrus fdLe dh Hkkouk,a fn[kkbZ nsrh gSAT;knklsT;knkcPpksadks'kkfeydjusdsfy,gelewg cuk,axsA g¡lh] etkd] nq[k]fujk’kk] xqLlk] ukjktxh] tSls fdruh ghHkkouk,a gekjs eu esa mBrh gSA bUgsa ;fnvkidks fp=k ds tfj, crkuk gS] rks dSlscrk,axs]bldsckjsesalkspsA

cPPks lewg cukdj bu fp=kdks is’kdjsaAbldsckncPPksppkZdjsaxs]fdblrjgdhvyx&vyxHkkouk,agekjseuesaD;w¡iSnkgksrhgS\

bl ij foLrkj ls ppkZ gks] D;ksafd cPps]cw<+s lc yksx bu otgksa ds ftEesnkj gSAdHkh&dHkh vkl&ikldk ekgkSy Hkh bldsfy, ftEesnkjgksrkgS] Hkkoukvksads fuekZ.kesaAA

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D;ksafddbZ ckjgekjh Hkkoukvksadks n’kkZusadkerycnwljksadsvf/kdkjksadkguugksldrkgsA

gekjh Hkkouk,Wa

Page 13: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 11

vQykrhu Dycds lfpo rFkk v/;{kdks;g dk;Z djuk gSA cPps ges’kk dksbZ ukdksbZliukns[krsjgrsgSAdHkhosliuksalsMjrsgS]rksdHkhmUgsaliuksadhnqfu;kesalSjdjukvPNkyxrkgSAblhliukdksviusvQykrhudhennlslkdkjdjusdhdksf’k’kgedjldrsgSAnsf[k,dSls\

lHkhcPpksadks,dxksydjdscSBusdsfy,dfg,A lHkh dks vk¡[ksa e¡ndj ;g dYiukdjuhgSfd]ogD;kcUkukpkgrkgS@pkgrhgS\D;kesjk[kqndk?kjgksxk\D;kesjsiklIk;kZIrlHkhphtsagksaxh\D;keSaviusek¡firkthrFkkifjokjdhns[k&Hkkydjusyk;d cu¡xk@cu¡xh \ ianzg feuVksa esa ;gdk;ZlekIrdjdslHkhcPpksadksviusliuksadsckjsesadkxtijfy[kukgSA;gfy[krsle;vkxsnsf[k,fcanqvksadks/;kuesajf[k,%

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us dgk gS fd]

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og ,d ,slh pht gS]

tks vkidks uhan gh ugha vkus nsrhA

Page 14: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 12 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

esjs lius

rq>esa gS rkdr----

rq>esa gS fgEEkr]

cukus dh ;k fcxkM+us dhA

tks rqEgsa pkfg, oks vkSj oks gh]

djds fn[kkus dhAA

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gj fnu rqEgsa djus gS iwjs iM+ko]

D;ksafd rq>esa gS rkdrAA

dHkh rqEgkjh jkg gks ldrh gS eqf'dy]

dne&dne jgsxh #dkoVsa]

dksbZ dne ugha gksxk iwjk]

dHkh NqV ldrk gS] rqEgkjs liuksa dk lkFk]

rc rqEgsa djuh gS fgEEkr]

D;ksafd rq>esa gS rkdr---AA

vxj gS rqEgsa [kqnij Hkjkslk]

;fn gS rqEgsa vius liuksa dh vk'kk]

Rkc ,d fnu ,slk vk,xk]

Tkks rqEgsa ys tk,xk rqEgkjs liuksa dh vksj]

ogha gksxh rqEgkjs dqN cuus dh 'kq#vkr]

D;ksafd rq>esa gS rkdr---AA

Page 15: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 13

[kjxks'k vkSj dNq, dh dgkuh

vkilcuscpiuesa[kjxks’kvkSjdNq,dhdgkuhrkslquhgksxhA>wBkvkRefo’oklrFkkvkyl dh otg ls nkSM+ esa [kjxks’k gkjx;k vkSj viuh dM+h esgur] yxko rFkkfu;ferrkdh otgls dNqvkthr x;kAviuhbPNk]dM+hesgur]fo’oklrFkkiz;kldjus dh bPNk ds vk/kkj ijdksbZ O;fDrviuh eafty ik ldrk gS] ;gh geus bldgkuh ds tfj, lh[kus dh dksf’k’k dhAvkyldhotglsgeviuslQyrklsHkhgkFk/kkscSBrsgSA;fn

bldgkuhdks gevkxsc<+krs gS]rks D;kgksxkbldhdYiukdjdsns[ksaD;k\

igyh nkSM+ esa [kjxks’k dNq, ls gkjk Fkk]ftllsmlscgqrcM+klcdfeykAmlusblij cgqr lkspk] vius n`<+fu’p; rFkk esgur lsviuk/;kuokilviuhrkdr ij yxk;kA ,dckjogviusfe=k

dNq, dksfeyus x;kvkSj mllsdgk fd] osfQjls nkSM+yxk,axsAdNqvkHkhrS;kjgksx;kAnkSM+'kq#gksxbZAdNqvkviusizkd`frdxfrlspyjgkFkk]

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viuh gkj dks dNq, us Lohdkjk rks lgh]ysfduogHkhlkspusyxkfdogD;ksagkjx;kAmls;g/;kuesavk;kfd]pkgsfdruhHkhesgurogdjs]yxudslkFkviukdkeiwjkdjusdhdksf’k’kdjs]fQjHkhtksphtizd`frusmlsughanhgS]mldslkFkdHkhdHkheqdkcykughadjldrkAD;ksafdognwljsdhrkdrgksxhvkSjviuhdetksjhA;fnrsthlsHkkxuk];g[kjxks’kdhrkdrgSrksogftrsxkvkSjdNqvkgkjsxkAysfdu

;fndNq,usviuhrkdrdksle>krFkkmlsc<+kusdhdksf’k’kdh]rkso g [kjxks’kdksgjk

ldrk gS vkSj[kqnthrldrk

gSA ;g lkspdjdNqvkcgqr[kq’kgqvk vkSj mlus

[kjxks’k dks okiln k S M + yxkusdhpqukSrhnhAmlusdgkfd]nkSM+dkjkLrkogr;djsxkA[kjxks’kuseku fy;kAmlsyxkpyksokildNq,dks gjkus dk ekSdk feysxkA nkSM 'kq# gks

Page 16: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 14 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

xbZA [kjxks’k cgqr rsth ls Hkkx jgk Fkk]mlusdNq,dkscgqrihNsNksM+kFkkAysfdudqNle;esaogvpkud#dx;kAmlusns[kk fdvkxsunhcgjghgSAmlsle>esaughsvkjgkFkkfdogmlunhdksdSlsikjdjsxk\rcrddNqvk/khjs&/khjspydj[kjxks’kdsiklvkigq¡pkAunhikjdjds;gnkSM+iwjhgksusokyhFkhAdNq,us'kkafrlsikuhesaNykaxyxk;hA[kjxks’kns[krkjgx;kvkSjdNqvkunhdsikjtkigq¡pkAognkSM+thrx;kA;fnfdlhlseqdkcykdjukgksrkst#jhgSfdvkiigysviuhrkdrdksle>ysaA;gk¡[kjxks’kcgqrmnklgksx;kAogHkhviuhgkjdksysdjlkspusyxx;kAmls /;kuesavkx;k fdtehuijnkSM+ukmldhrkdrgS]rFkkikuhesarSjukdNq,dh rkdr A ;fnvius tSls tehuijnkSM+usokysdslkFkeqdkcykgksrksckrvyxgSAb/kjdNq,dks[kjxks’kdkmnklgksukukxaokjkFkkAog[kjxks’kdsiklvk;kvkSjcksykfdosnksuksaokilnkSM+yxk,avkSjnksuksalkFkesa;gnkSM+thrtk,aAfQjdNq,us[kjxks’kdksviusihBij fy;kvkSjosnksuksaunhikjdjthrx,Anksuksale;lsigys viuh eafty dh rjQ igq¡psA nksuksadkscgqr[kq’khgqbZA;g[kq’kh,d&nwljsdksgjkuslsT;knk,d&nwljsdhenndjlkFkesathrusdh[kq’khFkhAnksuksadks;g/;kuesavkx;kfd;fneafty,dgks]rksviuhrkdrksadkstksM+dj],d&nwljsdhenndjgeeaftydhvksjc<+ldrsgSA;gnkSM+fujkyhgksxh]rFkkblesafdlhdsizfrbZ";kZ

ughjgsxhA[kjxks’kvkSjdNq,ausblnkSM+lscgqrdqNlh[kkAvkidksbllsD;kvuqHkofeyrkgS\

vkidks;gle>esavk;kgksxkfdviuhgkjdsckn[kjxks’k;kdNq,nksuksaesalsfdlhusgkjlPpseulsughaLohdkjkAysfdumlijcgqrlksp&fopkjfd;kAviuhgkjdhtM+rdigq¡pusdkiz;klfd;kA

viusvuqHkoksalslh[kusdhdksf’k’kdhrFkkviuhdetksfj;ksadksle>djmUgsaviuhrkdresacnyusdkiz;klfd;kAubZn`f"Vviuk;hAu;kjkLrkpqukrkfdeaftyTkYnhgkflydjldsA

[kjxks’k;kdNq,us,d&nwljsdslkFkeqdkcykdjusdsctk;,d&nwljsdhenndjviuheaftydksikukT;knkegRoiw.kZle>kAaoghavklkuhlseaftydkjkLrktYnhHkh[kRegksx;kA

mUgksaus;gtkufy;kfd,d&nwljsdksgjkus ls T;knk vPNk gS] lkeus vk;heqf’dylslkFkesafuiVysaAnwljksadhennviusfy,HkhlghlkfcrgksrhgSA

Page 17: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 15

rksM+ Mkys ge] nhokjsa vius eu dh

vQykrhuDycdslnL;Dyklesa,dcMs+dkxtdksfpidk,axsADycdsv/;{krFkklfpovkxsgksdjDykldsgj,dlnL;dks bl[ksyesa ’kkfeydjsaxsA bldkxtijyM+ds]yM+fd;ksadksviuhilands,dizfl)O;fDrdkukefy[kdjcSBukgSA

;g lwph iwjh gksus ds ckn gj og O;fDrfdldkedsfy,izfl)gS]rFkkmlsfdlrjglslEekfur fd;kx;kgS]bldsckjsesatkudkjhysdjppkZdjsaAcknesagj,dO;fDrds /keZdksysdjppkZdjsavkSj;gle>us dh dksf’k’k djsa dh] D;k ge muyksxksadsfdlh[kkl/keZ]tkfrdsgksusdhotglsmUgsapkgrsgS];kmudhdkfcfy;r]{kerkvksadksns[kdj\

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ppkZdjsaA

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ppkZls;gle>esavkrkgS fddksbZ HkhO;fDrtUelsviuslkFkfdlhrjgdk/keZ]tkfrdkigpkuysdjughavkrk]ogO;fDrgksrkgS]bUlkugksrkgSA

D;k ge yksxksa dks muds bUlku gksus dhigpkudslkFkLohdkjdjsaxs\blijcgldjsaA

Page 18: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 16 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

Ikzd`fr dh nsu] gekjs lalk/ku !

vQykrhu Dycds lnL;vius nks lewgcuk,axsA nksuksa lewg le; fuf’pr djsaxsA,dlewgbUlkuds}kjkcuk;hphtksadhlwphrS;kjdjsxk]rksnqljklewgizd`fresamiyC/kphtksadhlwphrS;kjdjsxkA

nksuksa lewg viuh lwph ,d nwljsdks fn[kk,sxsa rkfd og nkasukaslwfp;kssaesacpsgq,eqíksadksMkydjosamlsiwjkdjldrsgSaAigyklewgftlusbUlkuds}kjkcuk, gq, lalk/kuksadhlwph rS;kjdhgS]ogcrk,xkdh;fn ;g lalk/ku[kRe gks x, rksD;k mlds fy,dksbZ fodYi gS \;gh loky nqljslewgds lnL;ksa dksHkhiqNsaxsAbuphtksadsiqufuekZ.k esa dkSu&dkSulhphtsat#jhgksrh gS \ekuofufeZrlHkhlalk/kuksadsLkzksrizd`frijfuHkZjgSAbllscPps;gle>ik,axsdhizd`frdslalk/kuksadkvkerkSjijiqufuekZ.kgksldrkgS]ysfdudqNphtsa,slhgS]tks[kRegqbZrksnksckjkcuk;hughtkldrhA

t#jhgSfd]bUlkuviuht#jrdsfglkcls phtksa dk bLrseky djsa vkSj vkusokyhfi<+hds fy,cpkdjj[kusdhlkspj[ksaAizd`frges’kklg&thoun’kkZrkgS];ggescpiuesaa HkkstudhJa`[kykdksle>usds

oDrirkpyx;kFkkAvc;ggekjhftEesnkjhgSfdizd`frdhgkfu

gksuslsmlscpk,Atyok;qifjorZuds ifj.kkeksa dksge fiNys dbZ lkyksalsns[kjgsgaSAizd`frds pØ dks cnyrsgq, rFkk mllsgekjsikuh]gokesagksrs gq, cnykoksadk xgjk vljgekjh ftanxh ijgksrk gqvk ns[kge fpafrr gks jgsgSA ,d ftEesnkj

ukxfjdgksusdsukrsgeblijjksdyxkus

ds fy, vo’; dnemBk ldrs gSaA vki vius

vQykrhu Dyc ds tfj, ,slsxaHkhj ekeyksa ij vkidh D;k Hkwfedk

jgsxh]rFkkvkidkD;k;ksxnkujgsxk]blijlkspfoe’kZdjsa\vkibllsdqNdjfn[kkusdhfgEerj[krsgSaA

Page 19: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 17

cPpksa ds vf/kdkj vkSj ftEesnkfj;ka] cPpksa dh leL;k,a]otg rFkk] fodYi

gekjsvf/kdkjksadksle>djmulstqM+hftEesnkfj;ksadsizfrlrdZjgusdht:jrdksblikBesan’kkZ;kx;kgSAtcgekjsvf/kdkjgelsNhustkrsgaS]rcgekjhD;kHkwfedkjguhpkfg,]gesaD;kdjukpkfg,bldsckjsesa;gkalkspusdkekSdkfeyrkgSAdU;kHkzw.kgR;k]cky&fookgrFkkckyetnwjhtSlhleL;k;ksadsckjsesalkspfy;ktk,(rksD;kdjukgS]bldsckjsesaLi"VrkvkrhgSD;ksafd;slokycPpksadsHkfo";lstqM+sgSAlkFkesatc]cPpksadhlqj{kkdklokylkeusvkrkgS]rkscPpksadsiklfdlrjgdhtkudkjhekStwngksuhpkfg,]bldsckjsesaHkhvo’;ppkZdhx;hgSA¼ySafxdHksnksadksikjdjyM+dkvkSjyM+dhdkslekuekudjpyusdhvko’;drkdksHkhblikBesan'kkZ;kx;kgSA½

Hkkx&2

Page 20: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 18 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

gekjh j'khnk] gekjk tkWu

vki;grkstkursghgSfd]gjcPpksadspkjcqfu;knhvf/kdkjgksrsgSAbuvf/kdkjksadhlqj{kkmlsblhlekt]ekgkSy]ekrk&firkrFkkljdkjdhrjQlsfeyrhjgrhgS]vkSjfeyuhpkfg,Ablfy,buvf/kdkjksadksfu'fprdjusdhftEesnkjhgj,dijvkrhgSA;fn,slhfLFkfrgS]rksHkhge;gns[krsgSdh]dbZlkjs,slscPpsHkhgS]ftudscqfu;knhvf/kdkjksadkguuges’kkgksrkjgrkgSAmudslkFkcqjkcrkZofd;ktkrkgSAblhlscky&fookg]ckyetnwjhtSlhleL;kvksadkfuekZ.kgksrkgSAbldsvkxsfn,gq,l=kesavkidkscPpksadkslrkusokyhdqNleL;kvksadsckjsesacrk;kx;kgSAbllsnsf[k,D;kvkimudklek/kkudjldrsgS\bllsvkidksdbZu;hphtksadhtkudkjhHkhgksldrhgSAdSls\vkiHkhblhrjgfdlhleL;kdhigydjusdhdksf’k’kdjldrsgSA

leL;k13&18 vk;q ds yM+fd;ksa dk Ldwy esa u vkuk

nk;jk xk¡oksa]vkSj’kgjksa

esa;gik;htkrhgSA

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dkSu ls vf/kdkjksa dk guu gksrk gS\thusdkvf/kdkjAfodkldkvf/kdkjAlqj{kkdkvf/kdkjAlgHkkfxrkdkvf/kdkjA

Ikfj.kkeewyHwkrlqfo/kk,¡rFkk]igpkuukfeyukAf'k{kk][ksydwn]ikSf"Vdvkgkj]euksjatu]vkfn

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xqaMksalslrk;ktkukLdwyksaesa’kkSpky;dku

gksuk@’kkSpky;lkQlqFkjkugksuk]

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NksVsHkkbZcguksadsfy,ikyuk?kjdkizko/kku

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Page 21: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 19

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Page 22: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 20 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

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Page 23: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 21

foÙk f'k{kk] tek&[kpZ] fuos'k] vuqekfur ctV] cSad dk dkedkt] ftEesnkj xzkgd

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Page 24: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 22 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

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Page 25: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 23

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Page 26: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 24 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

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Page 27: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 25

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Page 28: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 26 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

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Page 29: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 27

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Page 30: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 28 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

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Page 31: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

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Page 32: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 30 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

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Page 33: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 31

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Page 34: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 32 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

lkekftd loky rFkk ifjorZu dh rS;kjh

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Page 35: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 33

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Page 36: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 34 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

Hkwfedk dkMZ

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Page 37: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M Page | 35

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Page 38: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

Page | 36 foÙkh; lk{kjrk ;qok leqnk; ds fy,] uhM~l] nso?kj & >kj[k.M

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Page 39: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus
Page 40: foÙkh; lk{kjrk - needsngo.in · dh Hkkoukvksa dk lSyko eu esa vkrk jgrk gS] fdlh ls ckr djus dh pkg gksrs gq, Hkh] dqN Mj lk cuk jgrk gSA vius utfj;s ls nqfu;k dks ns[kus rFkk cnyus

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