j«mhh$m§à {v ~–h o$À‘m ~m§{ybh$smr g§{hvm - hsbc

OmZodmar 2018

www.bcsbi.org.in

JmhH$mß‡V ~±Ho$¿m ~mßYbH$sMr gßhVm

maVr ~±qH$J gßhVm AmU_mnXßS> _ßS>i

hr JmhH$mß¿m h∏$mßMr gßhVm Amho, Or ~±qH$J n’VtMr

H$_mZ _mZHo$ R>adyZ XoVo, ¡mßMo nmbZ ~rgrEg~rAmMm

EH$ gXÒ ÂhUyZ ÒdVßÃ JmhH$mßer Ïdhma H$aVmZm AmnU

H$amMo AgVo. hr JmhH$mßZm gßajU XoVo AmU gXÒ ~±Ho$Zo

V¿m X°ZßXZ n[aMmbZmß_‹o JmhH$mßer H$go dV©Z R>odUo

AnojV AgVo Vo g_OmdVo.

i

df-gyMr

1. ‡ÒVmdZm ....................................................................................................................................................... 1

2 _wª dMZo ...................................................................................................................................................... 2

3 _mhVr - nmaXe©H$Vm ........................................................................................................................................ 6

4 OmhamV, dnUZ d dH$r ................................................................................................................................... 9

5 ImOJrnUm AmU Jw·Vm ..................................................................................................................................... 10

6 VH$mar, JmËhmUr ZdmaU d A‡m .................................................................................................................................... 12

7 Xo ame O_m H$aUo ............................................................................................................................................................. 13

8 CÀnmXZo d godm ................................................................................................................................................ 15

1.1gßhVoMr C‘ÓQ>o ................................................................................................................................................................................. 1

1.2gßhVoMm dmna .................................................................................................................................................................................... 1

2.1AmnÎm‡Vr Am_Mr _wª dMZo............................................................................................................................................................ 2

2.1.1›mÊ dV©UwH$sMm h∏$ ........................................................................................................................................................................ 2

2.1.2nmaXe©H$Vm, ›mÊ AmU ‡m_mUH$ Ïdhma ......................................................................................................................................... 3

2.1.3AZwHy$bVoMm h∏$ ................................................................................................................................................................................. 5

2.1.4Jw·VoMm h∏$ ....................................................................................................................................................................................... 5

2.1.5VH$ma ZdmaUmMm AmU anmB©Mm h∏$ .................................................................................................................................................. 5

3.1gm_m› gyMZm ................................................................................................................................................................................... 6

3.2"\$moZ H$Í$ ZH$m' godm ......................................................................................................................................................................... 7

3.3ÏmOXa ............................................................................................................................................................................................ 7

3.3.1ÏmOXamVrb ~Xb ............................................................................................................................................................................. 7

3.4Q>oar\$ eoS>Áwb (‡ewÎH$ AZwgyMr) ........................................................................................................................................................ 8

3.4.1ewÎH$ d AmH$ma ................................................................................................................................................................................. 8

3.4.2ewÎH$ d AmH$mamVrb ~Xb .................................................................................................................................................................. 8

3.5AQ>r AmU eVu ................................................................................................................................................................................. 8

3.5.1AQ>r AmU eVu _Yb ~Xb ............................................................................................................................................................... 8

5.1H$O© _mhVr Hß$n›m ............................................................................................................................................................................ 10

6.1AßVJ©V n’V .................................................................................................................................................................................... 12

6.2~±qH$J bmoH$nmb moOZm ....................................................................................................................................................................... 13

6.3JmhH$ gm ........................................................................................................................................................................................ 13

6.4emIm ÒVar JmhH$ godm g_V gm .................................................................................................................................................... 13

7.1Xo ame Jmoim H$aUo d JhmU dÒVyßMm Vm~m Ko mMo YmoaU ........................................................................................................................ 15

8.1R>od ImVo ............................................................................................................................................................................................ 16

8.1.1ImVo CKS>Uo d R>od ImÀm_Yrb Ïdhma .............................................................................................................................................. 17

8.1.2ImVo ~XbUo ...................................................................................................................................................................................... 17

8.1.3~MV/Mmby ImVo ................................................................................................................................................................................ 18

8.1.3.1H$_mZ eÎbH$ ............................................................................................................................................................................... 18

8.1.3.2AmH$maUr .......................................................................................................................................................................................... 19

8.1.3.3nmg~wH$/ddaUnÃ ............................................................................................................................................................................. 19

8.1.3.4R>od ImÀmßMo A⁄VZ AmU _yÎdY©V godmßMr a ................................................................................................................................. 20

8.1.3.5 R>od ImÀmßMr AdZVr .......................................................................................................................................................................... 20

8.1.4bhmZ (AkmZ) _wbmßgmR>r ImVo............................................................................................................................................................ 20

8.1.5gw·/A‡dVu/ZpÓH$ (BZAm∞naoQ>Ïh) ImVr........................................................................................................................................ 20

8.1.6ImVo ~ßX H$aUo ................................................................................................................................................................................... 21

8.2g_memoYZ MH$ / dgybr godm .............................................................................................................................................................. 21

8.3amoH$S> Ïdhma .................................................................................................................................................................................... 22

8.4‡Àj IMu Q>mH$Uo (WoQ> Zmdo bhUo) d ÒWmr gyMZm............................................................................................................................ 22

8.5‡XmZ (XoUo) Wmß~d mMr gwdYm.......................................................................................................................................................... 22

ii

8.6VwÂhr ZJ©_V Ho$bobo YZmXoe/S>o~Q> gyMZm .......................................................................................................................................... 23

8.7_wXV R>odr............................................................................................................................................................................................ 23

8.7.1 R>od VmaUm darb H$O© ............................................................................................................................................................................ 24

8.8_•V ImVoYmaH$mßgßXm©V XmÏmßMr VS>OmoS> .............................................................................................................................................. 24

8.8.1CŒmaOrdr/Zm_ZXe H$b_ Agbobo ImVo ............................................................................................................................................ 24

8.8.2CŒmaOrdr/Zm_ZXe H$b_ Zgbobo ImVo ............................................................................................................................................ 25

8.8.3Xmdm MwH$Vm H$a mg bmJUmam doi........................................................................................................................................................ 26

8.8.4_wXV R>odr _wXVrnydu _moS>Uo.................................................................................................................................................................... 26

8.8.5_V ImVoXmam¿m Zmdmda oUmam n°em¿m AmoKmMo ÏdÒWmnZ ................................................................................................................ 26

8.8.5.1 no›eZ ImVr ...................................................................................................................................................................................... 26

8.9gwajm R>od, bm∞H$a ............................................................................................................................................................................... 27

8.10dXoe dZ_ godm.............................................................................................................................................................................. 27

8.11maVmV n°go nmR>dUo ........................................................................................................................................................................... 28

8.12H$O©................................................................................................................................................................................................... 29

8.12.1H$O© .................................................................................................................................................................................................. 29

8.12.1.1gm_m› _mhVr .................................................................................................................................................................................. 29

8.12.1.2H$Om©gmR>r AO© d ÀmMr ‡H$m............................................................................................................................................................ 30

8.13h_r................................................................................................................................................................................................... 32

8.14maVr H|$–r ‡VyVr _Œmm nwZ~m™YUr AmU ‡VyVr hV Z~ßYZr (grB©AmaEgEAm) ........................................................................... 34

8.15Xo amerMm hemo~ nyU© H$aUo ................................................................................................................................................................ 34

8.16H$O© d H$mS>m©¿m Xo VoMo ‡VyVH$aU................................................................................................................................................... 34

8.17 Bboä Q¥>m∞ZH$ AmU S>OQ>b ~±qH$J ....................................................................................................................................................... 35

8.17.1 BßQ>aZoQ> AmU _mo~mB©b ~±qH$J ............................................................................................................................................................... 35

8.17.2.1nZ AmU nmgdS>© .............................................................................................................................................................................. 38

8.17.2.2Vw_¿m 'nZ' qH$dm nmgdS>©Mr H$miOr Ko mgmR>r VwÂhr nwT>rb gwajV n’V / I~aXmËm AmÀ_gmV H$amÏmV .......................................... 38

8.17.3 EQ>rE_ / S>o~Q> d Ho$S>Q> H$mS>© ............................................................................................................................................................ 41

8.17.4.1hadÎmMr/MmoarMr/dmXmVrV ÏdhmamMr _mhVr XoUo ............................................................................................................................. 42

8.17.4.2AZYH•$V Bboä Q¥>m∞ZH$ ~±qH$J ÏdhmamßgßXm©V _m©XV XmÀd ............................................................................................................... 44

8.17.4.3ey› XmÀdmgmR>r/_m©XV XmÀdmgmR>rMr ‡ÀmdV©Z H$mb_m©Xm ......................................................................................................... 44

8.17.5 Ho$S>Q> H$mS>© ........................................................................................................................................................................................ 45

8.17.5.1Ho$S>Q> H$mS>© ddaUnÃ ......................................................................................................................................................................... 47

8.18 ÃÒW nj CÀnmXZo (WS>© nmQ>u ‡m∞S>ä Q>) ................................................................................................................................................ 48

8.19 Ho$S>Q> g_wnXoe (H$O© / nV gßXm©~m~V _mJ©Xe©Z) gwdYm .................................................................................................................... 50

8.20 AboI _idUo .............................................................................................................................................................................. 50

12.1gwajV d ImÃrera ~±qH$J d no_|Q> gÒQ>r_ ............................................................................................................................................ 54

12.2 AmÂhr ÒdV:bm A⁄mdV R>ody .............................................................................................................................................................. 55

12.3 Vw_Mo ImVo VnmgUo (bj R>odUo) .......................................................................................................................................................... 55

12.4 H$miOr KoUo ...................................................................................................................................................................................... 55

12.5 ‡XmZ (no_|Q>) a‘ H$aUo ...................................................................................................................................................................... 56

12.6 ZwH$gmZrMr O~m~Xmar ....................................................................................................................................................................... 56

9. emIm ~ßX H$aUo / emIoMr OmJm ~XbUo ................................................................................................................. 50

10. AmW©H$ g_mdoe (\$mBZmp›eb BZä ÎwOZ) .......................................................................................................... 50

11. Oo> ZmJ[aH$ d AnßJ Ïpä V ................................................................................................................................ 53

12. Vw_¿m ImÀmMr gwajm ...................................................................................................................................... 54

OmoS>nÃ - e„XmW© ...................................................................................................................................................................... 57gd©g_mdoeH$ gyMZm \$bH$ (ÒdÍ$n) OmoS>nÃ 1 ................................................................................................................................. 63

maVr ~±qH$J gßhVm AmU _mnXßS> _ßS>i - OmZodmar 2018

1

hr JmhH$mß¿m h∏$mßMr gßhVm Amho, Or ~±qH$J n’VtMr H$_mZ _mZHo$ R>adyZ XoVo, ¡mßMo nmbZ

~rgrEg~rAmMm EH$ gXÒ ÂhUyZ ÒdVßÃ JmhH$mßer Ïdhma H$aVmZm AmnU H$amMo AgVo. hr JmhH$mßZm

gßajU XoVo AmU gXÒ ~±Ho$Zo V¿m X°ZßXZ n[aMmbZmß_‹o JmhH$mßer H$go dV©Z R>odUo AnojV AgVo

Vo g_OmdVo.

hr gßhVm maVr [aPÏh© ~±Ho$¿m (Ama~rAm) Zm_H$ qH$dm n©dojr gyMZmßZm nm© AWdm daMT>

R>aV Zmhr AmU Ama~rAmH$Sy>Z doimodoir ZJ©_V hmoUmËm Aem gyMZmßMo/ZXemßMo Vr nmbZ H$aV

amhrb. Zm_H$ gyMZmß_‹o dhV Ho$boÎm _mZH$mßhZ CÉ _mZHo$ gßhVo_‹o Z_yX Ho$bobr Agy eH$VmV

AmU Aer CÉ _mZHo$ bmJy hmoVrb H$maU hr gßhVm AmÂhr Vw_¿mer H$Q>~’ amhZ Òdo¿N>oZo

ÒdrH$maboÎm gdmŒm_ Ïdhman’VtMo ‡VZYrÀd H$aVo.

AmÂhr JmhH$mßZm AYH$ MmßJbr godm Xo mH$[aVm AmU JmhH$ g_mYmZm¿m AYH$mYH$ CÉ nmVm

JmR> mH$[aVm ~±qH$J Ïdhman’VtMr AYH$mYH$ CÉ _mZHo$ ÒdrH$ma mMr eW© H$aV amh.

gßhVo_‹o, "VwÂhr'Mm AW© JmhH$ AmU "AmÂhr'/"AmÂhmbm'Mm AW© JmhH$ O¿mer Ïdhma H$aVmV Vr

~±H$ Agm hmoVmo. emIo_‹o ~±qH$J AmCQ>boQ>/AY©-doi ~±qH$J AmCQ>boQ> g_mdÔ> hmoVmV.

gßhVm Imbrb JmoÔ>rgmR>r dH$gV Ho$br Amho.

H$. AmÂhr Vw_¿mer Ïdhma H$aVmZm ~±[Hß$J ‡Wmß¿m H$_mZ XOm™Mm ÒVa ZÌMV H$Í$Z MmßJÎm d

ZÓnj godmßMm nwaÒH$ma H$aUo.

I. nmaXe©Vm dmT>dUo ¡m_wio ~±Ho$¿m godoVyZ VwÂhmbm Am_¿m H$Sy>Z gß wä VH$ Anojm H$m

AgmÏmV m~‘b Vw_Mr OmU dmT>dUo.

J. ÏdhmamMm C¿MVa XOm© JmR> mgmR>r ÒnYm©À_H$ ~mOmam eä VßZm ‡moÀgmhV H$aUo.

K. VwÂhr d Vw_Mr ~±H$ m_‹o ZÓnj d OÏhmmMo ZmVo Z_m©U H$aUo.

L . ~∞ßqH$J ‡Umbr _‹o dÌdmg dmT>dUo.

M. S>OQ>b ÏdÒWoV ~±qH$J H$aVmZm gwajV AmU ›mÊ JmhH$ Ïdhmamg MmbZm XoUo;

N>.JmhH$mßMo gßajU H$a mgmR>r JmhH$mß_‹o OmJÈH$Vm dmT>dUo.

gßhVoMr _mZHo$ ‡H$aU 2 _Yrb ‡_wI dMZmß_‹o Xbobr AmhoV.

1.1 gßhVoMr C‘Ô>o

1.2 gßhVoMm dmna

n[aM

2

oWo CÎboIbobr gd© CÀnmXZo Am_¿mV\$ XoD$ Ho$bobr AgVrb qH$dm ZgVrb, Varhr m gßhVoVVrb

VaVyXr Imbr XboÎm gd© CÀnmXZo d godmßZm bmJy AmhoV. ¡m Am_¿m emIm qH$dm Am_¿m dVrZo H$m_

H$aUmao EOßQ>, H$mCßQ>dÍ$Z, \$moZdÍ$Z, nmoÔ>mZo, Bboä Q¥>m∞ZH$ _m‹_mZo, BßQ>aZoQ> qH$dm BVa H$moUÀmhr

n’VrZo XÎm OmV AgVrb.

H$. Mmby ImVo, ~MV ImVo, _wXV R>odr, AmdVu R>odr. gmd©OZH$ dÓ Zdm©h ZYr ImVo (PPF) d

BVa gd© ‡H$maMr R>od ImVr

I. ‡XmZ (Payment) godm, Ogo Zd•Œm doVZ, no_oßQ> Am∞S>©a, n°go nmR>d mMr gwdYm Ogo YZmH$f©

(S>_mßS> S¥>m‚Q>), dma Q¥>m›g\$a d gd© Bboä Q¥>m∞ZH$ _m‹_o Ogo, AmaQ>rOrEg, EZB©E\$Q>r,

AmE_nrEg, wnrAm;

J. gaH$mar Ïdhmamer gß~ßYVV ~±qH$J godm

K. S>r_∞Q> ImVo, g_VyÎ (Bpä dQ>r), gaH$mar amoIo

L . maVr MbZr ZmoQ>m/ZmUr ~Xb mMr gwdYm

M. gwajV R>od bm∞H$a gwdYm, gwajm R>od godm, YZmXoemßMr dgybr,

N>. H$O, AYH$f© d h_r

O. n°go ~XbyZ Xo mgh dXoer dZ_ godm

P. Am_¿m emIo¤mao AmU/qH$dm Am_¿m AYH•$V ‡VZYr qH$dm EOßQ>¤mao dH$br OmUmar ÃÒW

nj qH$dm d JwßVdUyH$ CÀnmXZo

ƒm. Ho$S>Q> H$mS>©, S>o~Q> H$mS>©, EQ>rE_ H$mS>©, Ò_mQ>© H$mS>© Aer H$mS>© CÀnmXZo d nrAmoEg godm

(Am_¿m gßbΩZ Hß$n›mßZr XoD$ Ho$bobr Ho$S>Q> H$mS>m™gh)

Q>. B©-dm∞boQ>, _mo~mB©b ~±qH$J, BßQ>aZoQ> ~±qH$J, wnrAm r_, AmYma no mßgmaIr S>OQ>b CÀnmXZo.

(R>iH$ AjamVrb e„XmßMo AW© n[aeÔ> _‹o ""ÒnÔ>rH$aU H$moemV'' Xbo AmhoV.)

Vw_¿mer hmoUmËm gd© Ïdhmamß_‹o m¤mao ›mÊnUo AmU dmOdrnUo dV©Z H$aUo :

H$. amoI/YZmXoe ÒdrH$maUo AmU aUo, dŒm‡ofUo, Iam~ PmboÎm ZmoQ>mßMm dZ_, B. H$_mZ ~±qH$J

2. _wª dMZo

2.1 AmnÎm‡Vr Am_Mr _wª dMZo

2.1.1 ›mÊ dV©UwH$sMm h∏$


3

gwdYm ~±Ho$¿m H$mCßQ>ada nwadUo d VgoM nm© r nmohmoMdUr _m‹_mßVyZ amoIahV Ïdhma nwadUo.

I. AmÂhr AmnÎmbm XoD$ Ho$bobr CÀnmXZo d godm AmU AmÂhr nmiV AgboÎm n’V d ‡Wm m

~m~VrV m gßhVo_‹o ZpÌMV Ho$bobr dMZo d _mnXßS> JmR>Uo.

J. Am_Mr CÀnmXZo AmU godm bmJy H$m⁄mßMo AmU Z_ZmßMo boIr AmU ‡Àj ÒdÍ$nmVhr nmbZ

H$aVrb AmU Vw_¿m JaOmßgmR>r WmmoΩ AgVrb d ~±qH$J VgoM S>OQ>b ~±qH$J n[apÒWVrer

gwgßJV AgVrb mMr ImÃr H$aUo.

K. Am_Mo Vw_¿mer Ïdhma ho nmaXe©H$Vm d EH$mÀ_VoMo Z°VH$ VÀd nmiUma AgVrb.

L .S>OQ>b ~±qH$J AmU no_|Q> ßÃUm gwajV, gmo rÒH$a AmU e∫$embr VßÃkmZmÀ_H$ ÏdÒWo_‹o

XoD$ H$aUo.

M. Am_Mr CÀnmXZo d godm XoD$ H$aVmZm AmU nwadVmZm Vw_¿mer d, dße, qbJ, d°dmhH$ pÒWVr,

Y_©, AnßJÀd qH$dm AmW©H$ n[apÒWVrZwgma oXmd Z H$aUo.

N>>.Vw_¿mer hmoUmËm gd© Ïdhmamß_‹o H$_mZ _mZHo$ ZpÌMV H$Í$Z MmßJÎm AmU ›mÊ ~±qH$J

Ïdhman’VtZm MmbZm XoUo.

O.Vw_¿mer ›mÊ AmU g_›mr gß~ßY OmonmgUo.

P.VwÂhmbm nwaonya AmU WmmoΩnUo godm nwad mgmR>r Am_¿m H$_©MmËmßZm ‡ejU XoUo AmU

Am_Mo H$_©Mmar VwÂhmbm godm Xo mg VÀnaVoZo AmU Z_nUo hOa hmoVrb AmU MwH$mßMr XÈÒVr

H$Í$Z d Vw_¿m VH$matMo ObX ZdmaU H$Í$Z Àd[aV AmU ghmZw yVrnyd©H$ MwH$boÎm JmoÔ>r

hmVmiVrb mMr ImÃr H$aUo.

AmÂhr Am_Mr dŒmr CÀnmXZo AmU godm H$er H$m© H$aVmV ho g_OyZ Ko mgmR>r VwÂhmg m¤mao

gmhmÊ H$Í$.

H$.VwÂhmbm Àmß¿m~‘b doiodmar AmU nwaoer _mhVr AmU moΩ Vr I~aXmar nwT>rbn°H$s H$moUÀmhr

EH$m qH$dm AZoH$ mfmß_‹o XoUo - qhXr, BßJOr qH$dm bmJy ÒWmZH$ mfm.

I.Am_Mo OmhamVrMo AmU ‡MmaH$ gmhÀ ÒnÔ> AmU wbdUmao Zgob mMr ImÃr H$aUo. AmÂhr

AmIbobo H$ama qH$dm H$amaZm_o nmaXe©H$, VwÂhmbm ghOnUo g_OVrb AmU H$idVm oVrb Ago

AgVrb mMr ImVaO_m H$a mgmR>r gd©Vmonar ‡ÀZ H$Í$. CÀnmXZmMr qH$_V, gß~ßYV OmoI_r,

CÀnmXZm¿m H$m©H$mimV Àm¿m dmnamda bmJy hmoUmao Z_ d AQ>r AmU naÒna O~m~XmËm

ÒnÔ>nUo ‡H$Q> Ho$Îm OmVrb. VwÂhmbm A›mr Ïdgm qH$dm dnUZ n’VtZm, H$amamVrb

2.1.2 nmaXe©H$Vm, ›mÊ AmU ‡m_mUH$ Ïdhma

4

~iO~ar AQ>tZm, ZH$mamÀ_H$ ZpÌMVtZm qH$dm wbdUmËm gmXarH$aUmßZm gm_moao Omdo bmJUma

Zmhr mMr AmÂhr ImÃr H$Í$.

ho gm‹ H$a mgmR>r, AmÂhr _mhVr VßÃkmZmdarb ‡H$aU 3 _‹o AmU OmhamVr, dnUZ d

dH$sdarb ‡H$aU 4 _‹o XboÎm nwT>rb n’Vr d ‡H$mßMo nmbZ H$Í$.

J. VwÂhmbm Am_¿m CÀnmXZmß~‘b AmU godmß~‘b, H$_mZ eÑ H$ AmdÌH$Vmß~‘b, ÏmOXamß~‘b

AmU godm ewÎH$mß~‘b, VgoM ÀmßZm bmJy hmoUmËm Z_ d AQ>t~‘b nwT>rb n’VtZr qH$dm Vw_¿m

ngßVrZwgma EH$m nmaXe©H$ _mJm©Zo gßnyU© _mhVr Xbr JoÎmMr ImÃr H$aUo.

i. EgE_Eg qH$dm B©_ob nmR>dyZ

ii. Bboä Q¥>m∞ZH$ qH$dm N>mnrb _m‹_mßVyZ

iii. Am_¿m do~gmBQ>da ‡Xe©V H$Í$Z

iv. emIo¿m gyMZm\$bH$mda ‡Xe©V H$Í$Z.

(do~gmB©Q> AmU emIo¿m gyMZm\$bH$mda ‡Xe©V H$a mMr H$m da CÑ oIV _mhVr

dVaUm¿m BVa _mJm™IoarO Agob.)

K. Vw_¿m _mhVrgmR>r ~±Ho$V ‡Xe©V H$a m¿m JmoÔ>r -

i. AmÂhr XoV AgboÎm godm

ii. ~MV AmU Mmby ImÀmgmR>r AmdÌH$ H$_mZ [eÎbH$ d H$_mZ eÎbH$ Z R>odÎmg

bmJUmam AmH$ma

iii. nwpÒVHo$¿m ÒdÍ$nmV Cnb„Y Agbobr _mhVr

L>. Imbrb JmoÔ>r~‘bMr Am_Mr YmoaUo (Policies) Am_¿m do~gmB©Q>da XoUo -

i. R>odr

ii. MoH$ dgybr

iii. VH$ma ZdmaU

iv. ZwH$gmZ anmB©

v. Xo aH$_m KooUo d VmaU naV KoUo

vi. JmhH$mß¿m h∏$mßMr gZX

vii. JmhH$ gßajU YmoaU (gm~a \$gdUwH$snmgyZ gßajU g_mdÔ>)


5

viii. AZYH•$V Bboä Q¥>m∞ZH$ ~±qH$J Ïdhmamß~m~V _m©XV XmÀd

ix. ¡o> ZmJ[aH$mßgmR>r AmU AnßJ Ï∫$s®gmR>r gwdYm.

M. JmhH$mß_‹o gßhVo~m~V OmJ•Vr dmT>d mgmR>r AmÂhr

i. VwÂhr ZdrZ JmhH$ Agmb Va ImVo CKS>VmZm qH$dm Eadr _mJUr Ho$Îmg gßhrVoMr EH$ ‡V

Xo mV oB©b.

ii. gßhrVm ‡ÀoH$ emIo_‹o d Am_¿m do~gmB©Q>da Cnb„Y Agob.

iii. gßhrVoer gß~ßYV _mhVr VwÂhmbm Xo mV d gßhrVo ‡_mUo ‡ÀjmV dmJ mgmR>r Am_Mo

H$_©Mmar ‡ejV AgVrb mMr AmÂhr H$miOr KoD$.

iv. gßhVo¿m VaVwXt~m~V AmÂhr JmhH$mßgmR>r H$mbmZwH$_mZo gm AmmoOV H$aV OmD$.

OmhamVr, dnUZ AmU dH$sdarb ‡H$aU 4 _Yrb d ÃÒW CÀnmXZmßdarb IßS> 8.18 _‹o

VnebmV AmÎm‡_mUo AmÂhr Vw_¿m JaOmßZm moΩ Aer AmU Vw_¿m AmW©H$ n[apÒWVt¿m

ZYm©aUmZwgma AmU Vw_¿m AmH$bZmZwgma CÀnmXZo XoD$ H$Í$.

AmÂhr Vw_Mr gd© d° ∫$H$ _mhVr Jw·Vm AmU JmonZrVm mßdarb ‡H$aU 5 _‹o CÑ oIV ~m~t¿m

AYrZ amhZ Jw· AmU JmonZr R>ody.

AmÂhr m _mJm™Zr ¡m JmoÔ>r MwH$Vrb Àmß_‹o Àd[aV AmU ghmZw yVrnyd©H$ gwYmaUm H$Í$ :

H$. MwH$m Vm~S>Vmo~ XÍ$ÒV H$aUo d MwH$s_wio Oa ~±Ho$Zo H$mhr AmH$ma bmdbm Agob Va Vmo a‘ H$aUo,

Am_¿m MwH$s_wio Vw_Mo AmW©H$ ZwH$gmZ Pmbo Va Am_¿m ZwH$gmZanmB©¿m YmoaUm‡_mUo Vo

Í$Z XoUo.

I. Vw_¿m VH$matMr Vm~S>Vmo~ XIb KoUo.

J. Oa Vw_Mo g_mYmZ Pmbo Zmhr Va Vr VH$ma H$er nwT>o ›mdr m~‘b _mhVr XoUo.

K. VmßÃH$ MwH$s_wio H$m_mV AS>Wim AmÎmg nm© r moΩ _mJ© dmnaUo.

L>.AmÂhr Am_¿m emIo_‹o Vw_¿m _mhVrgmR>r ‡Xe©V H$Í$

i. Vw_Mr H$mhr VH$ma AgÎmg VwÂhr emIoVrb H$moUÀm AYH$mËmbm oQ>mdo, ÀmMo Zmd

2.1.3 AZwHy$bVoMm h∏$

2.1.4 Jw·VoMm h∏$

2.1.5 VH$ma ZdmaUmMm AmU anmB©Mm h∏$

6

ii. emIo_‹o Vw_¿m VH$marMo ZdmaU Z PmÎmg VwÂhr ¡m PmoZb/‡mXoeH$ ÏdÒWmnH$mbm/

‡YmZ ZmoS>b AYH$mËmbm oQy> eH$Vm ÀmMo Zmd d nŒmm.

iii. emIm ¡m ~±qH$J bmoH$nmb¿m ›mH$ joÃmImbr oV Agob ÀmMo Zmd d nŒmm

AmÂhr VwÂhmbm Vw_¿m VH$matMo ZdmaU H$a mgmR>r¿m AßVJ©V ‡H$mß~m~V _mhVr XoD$, m_‹o

gßhVo¿m ‡H$aU 6 _‹o g_Omdbobr ~±qH$J bmoH$nmb moOZmgw’m g_mdÔ> Agob.

AmÂhr CÀnmXZmßdarb godmßdarb _mhVr, gdm™V _hŒdmMo Z_ d AQ>r (E_AmQ>rgr) Am_¿m dmÒVy_‹o

EH$m gd©g_mdoeH$ gyMZm \$bH$mda (grEZ~r) dhV Ho$ÎmZwgma ¤mfr/Ã° mfr n’VrZo bmJy

AgÎmZwgma (OmoS>nÃ 1) ‡Xe©V H$Í$ AmU AmÂhr grEZ~r darb _mhVr ‡Àj H$mb n’VrZwgma

~Xbm¿m Aß_b~OmdUr¿m XZmßH$mgh A⁄mdV H$Í$.

H$. Am_¿m emImß_Yrb ZmoQ>rg-~moS>©

I. Am_¿m emIoV qH$dm hoÎn-bmB©Zda \$moZ H$Í$Z

J. Am_¿m do~gmB©Q>da

K. AmÂhr mgmR>r Zo_boÎm H$_©MmËmßH$S>o qH$dm _XVrgmR>r Zo_boÎm H$_©MmËmßH$S>o Mm°H$er H$Í$Z

L. Am_Mr emIm AmU do~gmB©Q>da Agbobo ‡ewÎH$ AZwgyMr (Q>o[a\$ eoS>Áwb) nmhZ

AmÂhr ho H$Í$ :

H$. Vw_¿m JaOmßer Aem Am_¿m CÀnmXZo d godm mßMr _mhVr XoD$.

I. ""gmYo ~MV ImVo'' (~rEg~rS>r) CKS> mgmR>r bmJUmËm H$mJXnÃmßMr mXr emIo_‹o

◊mfr/Ãmfr Í$nmV bmdy. ""N>moQ>o ImVo'' CKS> mgmR>r bmJUmËm H$_rV H$_r mXr hr bmdy.

J$.VwÂhmbm ag AgboÎm godm AmU CÀnmXZmßMr ‡_wI d°eÓQ>Áo g_OmdUmar _mhVr ÒnÔ>nUo XoUo,

m_‹o bmJy ÏmOXa, ewÎHo$ AmU AmH$ma m g_mdÔ>.

K. Am_Mr CÀnmXZo d godm _idVm oUmËm ddY _m‹_mß~‘b VwÂhmbm gmßJy CXm. emIm, ~±qH$J

AmCQ>boQ≤>g, Ïdgm ~mV_rXma, Ïdgm gwdYmH$ma, EQ>rE_, _mH$mo EQ>rE_, \$moZ ~±qH$J,

_mo~mB©b ~±qH$J, ZoQ> ~±qH$J AmU Àmß~‘b AYH$ _mhVr H$er _idmdr Vo VwÂhmbm gmßJy.

L. Am_¿m H$mXodfH$, Zm_H$ d AmßV[aH$ YmoaUmß¿m JaOmßgmR>r Vw_Mr AmoiI d nŒmm g’

3. _mhVr - nmaXe©H$Vm

3.1 gm_m› gyMZm


7

H$a mgmR>r H$moUVr _mhVr AmÂhmbm bmJVo, ho AmÂhr VwÂhmbm gmßJy.

M. Vw_Mo hä H$ d O~m~Xmar, deofV: AmÂhr XoD$ Ho$boÎm Zm_ZXeZ gwdYoMm dmna H$aUo Or gd©

R>od ImVr, gwajm H$jVrb dÒVy d gwajm R>od H$j mda Xbr OmVo, mgmR>rMr _mhVr XoD$.

N>.VwÂhmbm ~MV ImÀmgßXm©V (Eg~r)/Mmby ImÀmgßXm©V (grE) AmU BVa gd© R>odt¿m

ImÀmgßXm©V Vw_¿m Zm|XrgmR>r ImVo CKS> mnydu gdm™V _hŒdmMo Z_ d AQ>r (E_AmQ>rgr)

nwady.

VwÂhr Am_¿m ~±Ho$¿m ""\$moZ H$Í$ ZH$m godm'' qH$dm ""amÔ¥>r \$moZ H$Í$ ZH$m'' _‹o ‡Àj AWdm

AmnÎm godm nwadUmËm _m\©$V Zm|XUr Ho$br Va Am_¿m ZdrZ CÀnmXZo/godm mßMr ÏmdgmH$ _mhVr

\$moZ/EgE_Eg ¤mao AmÂhr H$idUma Zmhr. VWmn, ImVo ddaU AmU BVa _hÀdmMr _mhVr Ogo

ImÀmVrb Ïdhma AmU VwÂhr g‹m dmnaV Agbobr CÀnmXZo d godm mgmR>r ho bmJy Zmhr.

AmÂhr VwÂhmbm Am_¿m H$O© CÀnmXZm _Yrb Imbrb _mhVr XoD$ :

H$. Vw_¿m R>od d H$O© ImÀmgmR>r H$moUVm ÏmOXa bmJy Amho.

I. Oa H$O© Zä H$s Ho$boÎm (\$ä ÒS>) ÏmOXamMo Agob, Va H$O© H$amam_‹o ÏmOXa nw›hm

R>adVm o mMo H$b_ Oa Agob Va, AmU n[aUm_ÒdÍ$n VmarI.

J. Oa H$O© ~XbÀm ÏmOXamMo Agob, Vw_¿m ~XbÀm (‚bmoqQ>J) ÏmOXamer gß~YV gßX©

Xa ¡m¿mer Vw_Mm ~XbVm ÏmOXa OmoS>bobm Agob AmU Vw_¿m H$Om©gmR>r dmÒVdH$ bmJy

ÏmOXa R>amdH$ gßX© Xamda bmdbobm h‚Vm qH$dm Xbobr gyQ>.

K. Vw_¿mH$S>o Vw_Mo H$O© AMb XamdÍ$Z Mb XamV Í$nmßV[aV H$a mMm qH$dm CbQ> H$a mMm nm©

Amho H$m, AmU Agob Va Àmda EH$Xm amdmMr bmJy AmH$maUr.

L . AmÂhr Vw_¿m R>odtda Ho$Ïhm ÏmO XoD$ qH$dm Vw_¿m H$O© ImÀmda Ho$Ïhm ÏmO AmH$mÍ$

M. AmÂhr Vw_¿m R>odtda d H$O© ImÀmda H$go ÏmO bmdy d Àmdarb ÏmOmMr AmH$maUr H$er H$Í$.

AmÂhr VÂw hmbm Am_¿m F$U CÀnmXZmdß arb ÏmOXam_ß Yrb ~Xbm~ß m~V AmU gXß © Xam_ß Yrb ~Xbm~ß m~V

nTw >rbnH° $s H$mUo Àmhr _m‹_mVZy Am_¿mH$S> o Cnb„Y AgbÎo m, gdmV™ AbH$S> o A⁄mdV PmbÎo m

JmhH$ gnß H$© Vnebmdß a H$mbmZHw $_ o H$idV amh ˇ :

3.2 ""\$moZ H$Í$ ZH$m godm''

3.3 ÏmOXa

3.3.1 ÏmOXamVrb ~Xb

8

H$. nÃ

I. B©-_ob

J. EgE_Eg

K._m‹_

hr _mhVr AmÂhr emIo_Yrb ZmoQ>rg ~moS>© AmU Am_¿m do~gmB©Q>da XoIrb XoD$.

H$. ddY godmßH$[aVm Am_Mo ewÎH$ d godm AmH$ma _ßS>i (~moS>©) qH$dm _ßS>imZo AYH$ma Xbobm gj_

AYH$mar mß¿m _m›VoZo R>abobo AgVrb d Vo dmOdr AmU EH$mM ‡H$ma¿m JmhH$mßZm

oXmdahV AgVrb.

I. Am_¿m do~gmB©Q>da ewÎH$ AZwgyMr Cnb„Y Agob d ÀmMr EH$ ‡V Vw_¿m _mhVrgmR>r

emIo_‹o R>odbr OmB©b. AmÂhr Am_¿m emIo_‹o ewÎH$ AZwgyMr Cnb„Y AgÎm ~‘bMr

ZmoQ>rg bmdy.

J. VwÂhr ZdS>bobr H$moUVohr CÀnmXZo d godm mßZm bmJy Agbobo AmH$ma ewÎH$ AZwgyMr _‹o

dÒVmamZo XoD$.

K. VwÂhr ZdS>boÎm CÀnmXZo/godmßMm bm KoVmZm bmJy AgboÎm AQ>r d eVu mßMm ßJ

PmÎmg/qH$dm Z nmiÎmg VwÂhmbm bmJy hmoUmËm XßS>mm~‘bMr _mhVr AmÂhr nyady.

Oa AmÂhr H$moUVohr AmH$ma dmT>dbo qH$dm ZdrZ ~Xb Ho$bo Va Vo AmÂhr ZdrZ ~Xb bmJy hmo mnydu EH$

_hZm AmYr ImVo ddaUnÃ / B©_ob / EgE_Eg AbQ>© / emIoVrb ZmoQ>rg ~moS>© ¤mao Omhra H$Í$. hr

_mhVr Am_¿m do~gmB©Q>da XoIrb Cnb„Y Agob.

H$. VwÂhr ¡m godm _mJVÎm AgVrb, Àm¿mer gß~ßYV AQ>r d eVu AmÂhr VwÂhmbm AmYrM gmßJy.

I. gd© AQ>r d eVu moΩ AgVrb AmU AmZwfßJH$ AYH$ma, XmÀd d ~ßYZo ÒnÔ> H$aUmËm

AgVrb AmU eä Vmoda hr _mhVr gm‹m, gmoflm mfoV Xbr OmB©b.

3.4 Q>oar\$ eoS>Áyb (‡ewÎH$ AZwgyMr)

3.4.1 ewÎH$ d AmH$ma

3.4.2 ewÎH$ d AmH$ma mVrb ~Xb

3.5 AQ>r AmU eVu

3.5.1 AQ>r d eVu _Yb ~Xb


9

H$. AQ>r d eVu _Yb ~Xb AmÂhr AmnÎmbm ZdrZ ~Xb bmJy hmo mnydu EH$ _hZm AmYr Imbrb

_mJm™Zr H$idy.

i. nÃ

ii. ImVo ddaU nÃ

iii. EgE_Eg

iv. B©-_ob

hr _mhVr Am_¿m do~gmB©Q>da AmU emIoVrb ZmoQ>rg~moS>©da gw’m Cnb„Y Agob.

I. gmYmaU H$moUVohr ~Xb H$aVmZm EH$ _h›mnydu gyMZm Xo mV oB©b.

J. Oa H$moUVrhr gyMZm Z XoVm AmÂhr ~Xb Ho$bo Va Ago ~Xb AmÂhr 30 XdgmV gyMV H$Í$. m

~Xbmß_wio Oa Vw_Mr J°agmo hmoUma Agob Va VwÂhr H$moUVrhr gyMZm Z XoVm 60 XdgmßV Vw_Mo

ImVo ~ßX H$Í$ eH$Vm qH$dm ~Xby eH$Vm. mgmR>r VwÂhmbm H$moUVmhr ¡mXm AmH$ma qH$dm ÏmO

bmJUma Zmhr.

K. AQ>r d eVu m_Yrb ZdrZ ~Xb doi¿m doir do~gmB©Q> d H$Í$Z KoD$. AmnÎm dZßVr Zwgma

ZdrZ AQ>r d eVu mßMr ‡V XoD$.

H$. gd© OmhamVr d ‡dV©Zr gmYZo ÒnÔ> AgVrb, ^m_H$ ZgVrb mMr AmÂhr H$miOr KoD$.

I. H$moUÀmhr _m‹_mVrb OmhamV qH$dm ‡dV©Z gmhÀ ¡m_‹o ~±qH$J godm H$ßdm CÀnmXZo mH$S>o

bj doYbo Agob d ¡mV ÏmOXamMm g_mdoe Agob, Aemdoir AmÂhr Àm_‹o bmJy hmoUmao BVa

AmH$ma d ewÎH$ mßMm CÎboI H$È d gß~ßYV AQ>r d eVu gdÒVanUo AmnU dZßVr Ho$Îmg /

_mJVÎmg Cnb„Y H$Í$Z XoD$.

J. H$mhr doim AmYmawV godm Xo mgmR>r Oa AmÂhr VgËm njmMr godm KoV Agy. Va Vw_Mr

d° pä VH$ _mhVr (Oa Àm VgËm njmbm Xbr Va) Vr _mhVr Vmo Vgam nj Am_¿m BVH$sM

JmonZr d gwajV R>odrb mMr AmÂhr H$miOr KoD$.

K. VwÂhr CnmoJV AgboÎm Am_¿m godoMr doJdoJir d°eÓQ>Áo AmÂhr VwÂhmbm doimodoir B©-_ob,

EgE_Eg, \$moZ ¤mao H$idy. Oa VwÂhr Am_¿m ""\$moZ H$È ZH$m'' gwdYoda Zm|XUr Ho$br Zgob

Va Am_Mr BVa CÀnmXZo / godm dfH$ _mhVr AmÂhr VwÂhmbm XoD$. B©_ob _m\©$V XboÎm

_mhVrgßXm©V, Vw_¿mH$S>o Aem gßnH$m©VyZ AZg„ÒH$mB©~ H$a mMm nm© Amho.

4. OmhamV, dnUZ d dH$s

10

L>. Am_Mo S>rEgE (‡Àj dH$s ‡VZYr) OoÏhm Vw_¿mH$S>o Am_Mr CÀnmXZo / godm dH$ mgmR>r

Vw_¿mer ‡Àj qH$dm \$moZda gßnH©$ H$aVrb Àmdoir ÀmßZr H$go dmJmdo mMo Z_ AmÂhr Vma

Ho$bo AmhoV. OoÏhm Vo Am_Mr CÀnmXZo dH$ mgmR>r Vw_¿mer ‡Àj qH$dm \$moZda gßnH©$ gmYVrb

VoÏhm ÀmßZr Vo Am_¿m ~±Ho$Mo \$ä V dH$s ‡[VZYr AmhoV Aer AmoiI XoUo AnojV Amho.

Am_¿mV\$ H$m_ H$aUmam Vgam nj qH$dm EOßQ> gXa Z_mßMo nmbZ H$aob mMr AmÂhr H$miOr

KoD$.

M. Vw_¿mH$Sy>Z Am_¿m ‡VZYr/Hw$ara qH$dm EOßQ> mß¿m gßXm©Vrb J°adV©UyH$ qH$dm Z_mßMo

CÎbßKZ m~m~VrV H$moUVrhr VH$ma Ambr Va AmÂhr moΩ nmD$bo CMbyZ Àm gßXm©V nyU©

Mm°H$er H$È d Am_¿m ZwH$gmZ anmB©¿m YmoaUmZwgma Amnbo ZwH$gmZ ÈZ XoD$.

N>. Am_¿m dVrZo H$m_ H$aUmam qH$dm CÀnmXZo dH$Umam H$moUrhr ÃÒW nj qH$dm EOßQ> dH$s nyU©

PmÎmda Àmbm _iUmao ewÎH$ qH$dm H$_reZ CKS> H$aob mMr H$miOr KoD$.

O.Am_¿m OmhamVt_‹o \$gÏm/~ZmdQ> Am∞\$g©~m~V OmJÍ$H$Vm dmT>d mgmR>r AmdÌH$ Vo gd©

gßXoe AßVy©V hmoVrb mMr AmÂhr H$miOr KoD$.

AmÂhr Vw_Mr gd© d° pä VH$ _mhVr ImOJr d JmonZr R>ody (Oar VwÂhr ZßVa Am_Mo JmhH$ ZgbmV Var).

Imbrb VÀd AmU YmoaU ÀmgmR>r AmÂhr AZwgÈ.

H$.VwÂhr ÒdV: Xbobr qH$dm A› _mJm©Zo _imbobr Vw_¿m ImÀm gßXm©Vrb _mhVr AmÂhr

H$moUmbmhr AJXr Am_¿mM JQ> dm A› Hß$nZrbm gw’m XoUma Zmhr. \$ä V ÀmgmR>r Imbrb

~m~tMm AndmX Agob.

i. F$U _mhVr Hß$nZr (Z_Z) H$mXm (grAmgrE) Zwgma H$O, AgwajV H$O, Ho$S>Q> H$mS>©,

B. gß~ßYmV F$U _mhVr Hß$n›mßZm (grAmgr) _mhVr nwadUo.

ii. H$m⁄mZwgma qH$dm ~±qH$J Zm_H$mZwgma AmdÌH$ Vr _mhVr XoUo

iii. _mhVr CKS> H$Í$Z OZVogmR>rMo H$V©Ï ~OmdUo.

iii. Aer _mhVr Xo mV Oa Am_Mm \$mXm Agbm (CXmhaUmW©, KmoQ>mim amoIUo) naßVw VwÂhr

qH$dm Vw_¿m ImÀmMr _mhVr (Vw_Mo Zmd d nŒmm YÈZ) Am_¿mM BVa Hß$n›mßgh

H$moUmbmhr dH$sgmR>r Xo mgmR>r AmÂhr ho H$maU ÂhUyZ dmnaUma Zmhr.

v. VwÂhr AmÂhmbm _mhVr CKS> H$a mgmR>r ‡mYH•$V Ho$bo Va.

vi. Vw_¿m~‘b ~±H$aMm gßX© Xo mMr AmdÌH$Vm AgÎmg, Vr Xo mnydu, AmYr Xbr Zgob

5. ImOJrnUm AmU Jw·Vm


11

Va, AmÂhmbm Vw_¿m boIr AZw_VrMr JaO mgob.

I.VwÂhr ÒnÔ>nUo AmÂhmbm AYH$ma XÎmedm AmÂhr Vw_Mr d° pä VH$ _mhVr dnUZ / dH$s¿m

H$maUmgmR>r H$moUmbmhr XoUma Zmhr qH$dm AmÂhrhr dmnaUma Zmhr.

J$.Oa AmÂhr Vw_¿mH$Sy>Z Ho$dmgr¿m JaOmßÏV[a∫$ H$moUVrhr _mhVr Jmoim Ho$br, Va Vr AmÂhr

doJir Jmoim H$Í$ AmU ImVo CKS> m¿m ‡nÃmMm mJ ÂhUyZ Jmoim H$aUma Zmhr. Oa AmÂhr

H$moUVrhr AV[a∫$ _mhVr Jmoim Ho$br, Va AmÂhr Vr _mhVr H$m Jmoim H$aV AmhmoV Vo gmßJy AmU

ÀmgmR>r Vw_Mr deof AZw_Vrhr KoD$.

OoÏhm VwÂhr H$Om©gmR>r AO© H$aVm VoÏhm AmÂhr VwÂhmbm :

H$.H$O© _mhVr Hß$nZr (grAmgr) Mr y_H$m AmU AmÂhr Àmß¿mH$S>o Ho$bobr Vw_Mr Mm°H$er d

Àmß¿mH$Sy>Z Ambobr _mhVr VwÂhmbm g_OmdyZ gmßJy d ÀmßZr nwadboÎm _mhVrMm VwÂhmbm H$O©

_id mgmR>r H$m n[aUm_ hmoB©b ho hr gmßJy.

I. Vw_¿m dZßVrZwgma d VwÂhr moΩ ewÎH$ aÎmZßVa grAmgr H$Sy>Z AmÂhmbm _imbobr Ho$S>Q>

B›\$_eZMr ‡V VwÂhmbm XoD$.

J. Am_¿mH$Sy>Z KoVÎm JoboÎm H$O© aä H$_oMr _mhVr AmÂhr R>amdH$ AßVamZo grAmgr bm XoD$.

K. grAmgr bm nmR>dboÎm Ahdmbm _‹o VwÂhr Am_¿mH$Sy>Z KoVboÎm d° pä VH$ H$Om©Mr _mhVr

Imbrb ~m~VrV Xbr OmVo.

i. VwÂhr H$O© a mV, ZpÌMV Ho$boÎm _wXVZwgma, _mJo nS>bm Agmb

ii. H$Om©D$ aä H$_ dmXJÒV Agob.

L>. AmÂhr F$U AdÒWm VmÀH$mi A⁄mdV H$Í$ nU WH$V XmÀdmßMr naV\o$S> PmÎmnmgyZ 30

Xdgmß¿m AmV H$Í$. AmÂhr H$O© gßnwÔ>mV AmÎm¿m KQ>ZoMr _mhVr Vr KS>ÎmnmgyZ 30

Xdgmß¿m AmV grAmgrbm H$idy. Oa Vw_¿m H$O© ImÀmV H$gya Agob, nU ÀmZßVa Vr

Í$Z H$mT> mV Ambr Agob, Va AmÂhr nwT>rb Ahdmbm_‹o grAmgrbm Ver _mhVr nwady. Oa

F$U XmÀdmMr AßeV:/dbß~V naV\o$S>/H$moUVrhr VS>OmoS> Pmbr, Va ÀmMm Vw_¿m F$U

JwUmßH$mda (Ho$S>Q> ÒH$moa da) n[aUm_ hmoB©b.

M. grAmgrbm H$idboÎm _mhVr~m~V _VoX AgÎmg, AmÂhr grAmgrbm XboÎm

_mhVr~‘bMr H$maUo g_mYmZH$maH$arÀm g_OmdyZ Vo ‡H$aU gmoS>dy.

5.1 H$O© _mhVr Hß$n›m

12

N>. VwÂhr Am_¿mH$Sy>Z KoVboÎm CMb/H$Om©Mr _mhVr AmÂhr ¡m grAmgr bm XoVmo, ÀmMo ddaU

Vw_¿m dZßVrZwgma VwÂhmbm XoD$.

O.AmÂhr È 25 bmI* AmU Àmdarb aH$_o¿m hoVwnwaÒga H$gyaXmamßMr Zmdo AmoiIyZ ÀmßZm KmofV

H$Í$ AmU Aem hoVwnwaÒga H$gyaXmamßMr Zmdo Ama~rAm¿m _mJ©Xe©H$ gyMZmßZwgma g∫$sZo F$U

_mhVr Hß$n›mßH$S>o gmXa Ho$br OmVrb.

PAmÂhr È 1.00 H$moQ>r* AmU Àmdarb H$gyaXmamßMr Zmdo, ¡mßMr ImVr gßemÒnX qH$dm ZwH$gmZ

ImÀmß_‹o dJuH•$V Pmbobr AgVrb, Ama~rAm¿m _mJ©Xe©H$ gyMZmßZwgma g∫$sZo F$U _mhVr

Hß$n›mßH$S>o gmXa H$Í$.

*(qH$dm doimodoir gwYmaÎmZwgma)

H$. VwÂhmbm Oa VH$ma H$amMr Agob Va AmÂhr VwÂhmbm gmßJy.

i. VH$ma H$er H$amdr.

ii. VH$ma Hw$R>o H$amdr.

iii. VH$ma H$moUmH$S>o H$aVm oB©b.

iv. CŒma H$Yr _iob (CŒmamMr Anojm H$Yr H$amdr.

v. VH$ma Zdma mgmR>r H$moUmbm oQ>mdo

vi. VwÂhr _bmboÎm ZU© m~m~V g_mYmZr Zgmb Va nwT>o H$m H$amdo

I. Am_Mo H$_©Mmar VwÂhmbm Vw_¿m ‡ÌZmß~m~V _XV H$aVrb.

J. VH$mar moΩ [aVrZo d ObX hmVmi m¿m n’VMr _mhVr Hw$R>o _iob ho AmÂhr gmßJy.

K. Vw_¿mH$S>o VH$ma AgÎmg VwÂhr ¡m emIo_‹o OmD$ eH$Vm VoWrb AYH$mËmMo Zmd AmÂhr

‡Xe©V H$Í$. Oa Vw_¿m VH$marMo emIm ÒVamda ZdmaU Pmbo Zmhr, Va AmÂhr Vr ~±Ho$_Yrb

VH$ma ZdmaUm¿m gdmÉ nmVirda ZoD$ AmU VwÂhmbm 30 Xdgmß_‹o AßV_ ‡VgmX XoD$.

VwÂhr Vw_Mr B¿N>m AgÎmg emIo_‹o ‡Xe©V nŒmda ‡mXoeH$/PoÃr ÏdÒWmnH$mer / ‡_wI

H|$–r AYH$mËmer (nrEZAmo) gßnH©$ gmYy eH$Vm.

6. VH$mar, JmËhmUr ZdmaU d A‡m

6.1 AßVJ©V n’V


13

L>. Oa VwÂhr boIr VH$ma ÒdhÒVo gwnyX© Ho$brV, Va AmÂhr VmÀH$mi nmoMnmdVr XoD$ AmU EH$ doJim

"VH$ma gßX© H$_mßH$' EgE_Eg ¤mao Vw_¿m Zm|XUrH•$V _mo~mB©b H$_mßH$mda nmR>d mV oB©b. Oa

\$moZdÍ$Z Vw_Mr VH$ma Am_¿m nXZXeV Q>ob\$moZ hoÎnS>oÒH$da qH$dm JmhH$ godm H$_mßH$mda

Ambr, Va AmÂhr VwÂhmbm EH$ VH$ma gßX© H$_mßH$ XoD$ AmU VwÂhmbm dmOdr H$mbmdYr_‹o

ZdmaUm¿m ‡JVrMr _mhVr nwady.

M. Vw_¿m VH$marMo narjU H$Í$Z AmÂhr VwÂhmbm AßV_ CŒma XoD$ qH$dm Oa OmÒV doi bmJbm

Agob Va Vmo H$m bmJVmo ho g_OmdyZ XoD$ AmU Vw_Mr VH$ma _imÎmnmgyZ 30 Xdgmß¿m AmV

ho H$a mMm ‡ÀZ H$Í$. VgoM Varhr Vw_Mo g_mYmZ Pmbo Zmhr Va Vr VH$ma nwT>o H$er ›mdr ho hr

gmßJy.

N>. Oa VH$ma XmIb Ho$ÎmnmgyZ 30 Xdgm¿m AmV Am_¿mH$Sy>Z g_mYmZH$maH$/g_mYmZH$maH$

CŒma _imbo Zmhr d VwÂhmbm BVa _mJm™Zr VH$marMo ZdmaU H$ÈZ ømdo Ago dmQ>V Agob Va

~±qH$J bmoH$nmb moOZoImbr [aPÏh© ~±Ho$Zo Zo_boÎm ~±qH$J bmoH$nmbmßer gßnH©$ H$Í$ eH$Vm.

ÀmdfMr H$m© n’Vr Am_Mo H$_©Mmar VwÂhmbm XoVrb.

AmÂhr Am_¿m do~gmBQ>da ~±qH$J bmoH$nmb moOZm ‡Xe©V H$Í$. VMr ‡V Zm__mÃ ewÎH$ aÎmg

Cnb„Y H$Í$Z Xbr OmB©b. AmÂhr Am_¿m emIo_‹o, ¡m¿m AIÀmarImbr Vr emIm oVo Àm ~±qH$J

bmoH$nmbmMo Zmd AmU gßnH©$ Vnerb ‡Xe©V H$Í$. Oa ~±qH$J bmoH$nmbmZo Vw_¿m ~mOyZo ZU© Xbm

AmU Àmß¿m ZU© mdamoYmV Anrb H$a mgmR>r Am_¿mH$S>o H$mhrhr H$maU Zgob, Va AmÂhr

VH$maXmamZo ZU© boIr ÒdrH$maÎm¿m nmdVr¿m XZmßH$mnmgyZ 30 Xdgmß¿m AmV ZU© mMo nmbZ

H$Í$.

H$ÎnZm d gyMZm mßMo dZ_ hmo mgmR>r Z_V _mJ© ÂhUyZ R>amdH$ AßVamZo JmhH$gm AmmoOV

H$a mMm ‡ÀZ H$Í$.

AmÂhr Am_¿m emImß_‹o _mgH$ emIm ÒVar JmhH$godm g_Vr¿m goMr VmarI Omhra H$È. B¿N>m

AgÎmg VwÂhr gobm hOa amh eH$Vm.

H$.OoÏhm AmÂhr H$O© XoD$, VoÏhm Àm¿m naV\o$S>rMr n’V ÂhUOo H$Vr aä H$_ Ho$Ïhm, hflÀmß_‹o

6.2 ~±qH$J bmoH$nmb moOZm

6.3 JmhH$ gm

6.4 emIm ÒVar JmhH$godm g_Vr gm

7.Xo ame O_m H$aUo

14

\o$S>mMr ho gmßJy. VWmn Oa VwÂhr naV\o$S>rMo doimnÃH$ nmibo Zmhr Va Vw_¿mH$Sy>Z n°go dgyb

H$ÈZ Ko mgmR>r XoemVrb H$m⁄m_‹o ÒnÓQ> Ho$Îm‡_mUo nmdbo CMbbr OmVrb.

I. dgybr H$a mgmR>r qH$dm ‡VyVMm Vm~m Ko mgmR>r AmU dgybr EOßQ> Zo_ mgmR>r Am_¿mH$S>o

_ßS>imZo gÂ_V Ho$bobo YmoaU Agob.

J. dgwbr AYH$mar Zo_VmZm gh_Vr, AZwk·r qH$dm Zm|XUrdfH$ gd© bmJy H$mXo, Z_Zo,

_mJ©Xe©H$ VŒdo AmU AQ>r dMmamV KoVÎm OmVrb.

K. Am_Mo dgybr EOßQ> Àmß¿m O~m~XmËm H$miOrnyd©H$ d gßdoXZebVoZo ddoH$mZo nma nS>Vrb

mgmR>r moΩ‡H$mao ‡ejV AgVrb mMr AmÂhr H$miOr KoD$. AmÂhr hr gw’m H$miOr KoD$ H$s

Vo Amnbr _m©Xm gmoS>Uma ZmhrV.

L>. Am_Mo Xo aH$_m naV Ko m¿m, naV\o$S>rMo n°go Ko mMo YmoaU hr XgËmbm gm°O›nyU©, g‰VoZo

dmJdUo d _Z didUo m JmoÔ>tda AmYm[aV Amho. JmhH$mßMm dÌdmg dmT>dUo d ~mßYbH$s Z_m©U

H$aUo mda Am_Mm dÌdmg Amho.

M. Xo aH$_o (S>ÁwO) ~‘b gd© _mhVr AmÂhr AmnÎmbm XoD$ d Vo \o$S> mgmR>r AmÂhr AmnÎmbm

nwaoer gyMZm Xo mMm ‡ÀZ H$Í$.

N>. H$gyarMo ‡H$aU dgwbr gßÒWmßH$S>o gwnyX© H$a mnydu Am_¿mH$S>o VnmgUrMr EH$ ßÃUm Agob

O¿mmoJo Am_¿mH$Sy>Z MyH$ Pmbr AgÎmg Àm_wio Vw_Mr J°agmo hmoUma Zmhr.

O. Vw_¿m dÈ’ dgybr n’V AO_md mnydu VwÂhmg boIr H$idy AmU ¡m dgybr EOßQ>bm /

EO›grbm Vw_Mr Ho$g Xbr Amho ÀmßMo Zmd nŒmm dm \$moZ Zß~a VwÂhmbm H$idy.

P. AmÂhr Am_¿m do~gmB©Q>da AmÂhr dgybrgmR>r Zo_boÎm EO›gr Hß$n›mßMr _mhVr XoD$.

Ã. AmnÎm dZßVr Zwgma dgybr Hß$n›mßMr _mhVr AmÂhr Am_¿m emImß_‹ohr Cnb„Y H$Í$Z XoD$.

Q>. Am_Mo H$_©Mmar qH$dm n°go qH$dm VmaU O_m H$a mgmR>r AmÂhr ‡mYH•$V Ho$bobr H$moUrhr Ïpä V

ÒdV:Mr AmoiI H$Í$Z XoB©b d AmÂhr Xbobo AYH$manÃ AmnÎmbm XmIdob. edm AmnU

dMmaÎmg ~±Ho$Zo Xbobo qH$dm ‡mYH•$V Ho$bobo AmoiInÃ XmIdob.

R>. Am_¿m H$_©MmËmn°H$s H$moUrhr qH$dm ~±Ho$Zo ¡mbm dgybr H$a mgmR>r qH$dm Vm~m Ko mgmR>r

AYH•$V Ho$bo Amho Aer Ïpä V Imbrb _mJ©Xe©H$ VÀdmMo nmbZ H$aob :

i. ghgm VwÂhmbm hÏm AgboÎm R>H$mUr Vw_¿mer gßnH©$ gmYbm OmB©b, Ago deÔ> R>H$mU

VwÂhr Z gmßJVÎmg Vw_¿m Kar qH$dm hohr eä Z PmÎmg Vw_¿m H$m_m¿m /

Ïdgmm¿m R>H$mUr Vw_Mr oQ> KoVbr OmB©b.


15

ii. ÀmßMr AmoiI AmU Am_Mo ‡VZYrÀd H$a mMm ‡mYH$ma VwÂhmbm H$idbm OmB©b.

iii. Vw_Mm ImOJrnUm Onbm OmB©b.

iv. g‰nUo Vw_¿mer gßdmX gmYbm OmB©b.

v. Vw_¿m H$m_m¿m qH$dm Yß⁄m¿m —Ô>rZo eä ZgÎmg qH$dm deof n[apÒWVr gmoSy>Z ghgm

Am_Mo ‡VZYr Vw_¿mer gH$mir 7.00 Vo gß‹mH$mir 7.00 m doimV gßnH©$ gmYVrb.

vi. deÔ> doir qH$dm deÔ> OmJr \$moZ Z H$a m dfrMr Vw_Mr dZßVr eä Vmoda _mZbr

OmB©b.

vii. \$moZ Ho$ÎmMr doi, H$Vr doim \$moZ Ho$bm Vo AmU ~mobUo mß¿m Zm|Xr R>odÎm OmVrb.

viii. Xo aH$_o~m~VMo dmX qH$dm _VoX Xmo›hr njmßZm _m› hmo mgmaIo d gm_m›nUo moΩ [aVrZo

gmoS>d mgmR>r nyU© _XV Ho$br OmB©b.

ix. n°go dgybrgmR>r Vw_¿m Kar Ambo AgVm g‰Vm d Am°MÀ gmß mibo OmB©b. Am_Mo

AYH$mar / EOßQ> H$moUÀmhr Ïpä VdÈ’ H$moUÀmhr ‡H$mao Vm|S>r qH$dm em[aarH$ YmH$XnQ>em

qH$dm Ãmg XoUma ZmhrV, Ogo Omhra[aÀm _mZhmZr H$aUo qH$dm Hw$Qw>ß~mßMm, _ÃmßMm B.

ImOJrnUm Z OnUo, Y_ä m XoUo, ZZmdr \$moZ H$aUo AmU MyH$sMo d Xemyb H$aUmao

ZdoXZ H$aUo.

VWmn, gßnH$m©gmR>r Vw_Mr _mhVr Z_V XoV ahmUo hr Vw_Mr O~m~Xmar Amho. Oa VwÂhr

XboÎm _mhVrZwgma ~±H$ Vw_¿mer gßnH©$ gmYy eH$br Zmhr, Va Cnb„Y ÚmoVmß¤mao Vw_Mr

_mhVr Jmoim H$aob AmU VwÂhmbm emoY mgmR>r Vw_¿m _Ã / ZmVodmB©H$mßer gßnH©$ H$aob.

x. Hw$Qw>ß~mVrb Hw$UmMm _•Àw AWdm bæm gmaªm _hÀdm¿m ‡gßJm gmaªmdoir \$moZ H$aUo

AWdm dgybr gmR>r oQ> KoUo Q>mibo OmB©b.

xi. dgybr EOßQ>¿m MwH$s¿m dmJ m~‘b AmnÎmH$Sy>Z VH$ma AmÎmg ÀmMr Mm°H$er Ho$br

OmB©b.

Xo ame Jmoim H$aUo AmU JhmU dÒVyßMm Vm~m Ko mgmR>r AmÂhr H$m⁄mer gß~’ Aem YmoaUmßMm Adbß~

H$Í$. gXa YmoaU Am_¿m do~gmB©Q>da Cnb„Y Agob AmU dZßVr Ho$Îmg ÀmMr ‡V AmnÎmbm

Am_¿m emImß_‹o Cnb„Y hmoD$ eHo$b.

7.1 Xo ame Jmoim H$aUo d JhmU dÒVyßMm Vm~m Ko mMo YmoaU

8. CÀnmXZo d godm

16

8.1 R>od ImVo

H$. VwÂhr Am_¿mH$S>o ddY ImVr CKSy> eH$Vm. Ogo, ~MV ImVo, _wXV R>od, Mmby ImVo, B. Imbrb

n’VrZo VwÂhr hr ImVr CKSy> eH$Vm.

i. EH$ ImVoXma

ii. gß wä V

iii. gß wä V (H$moUrhr EH$ qH$dm CŒmaOrdr)

iv. gß wä V (nhbm qH$dm CŒmaOrdr)

v. gß wä V (ZßVaMm qH$dm CŒmaOrdr)

qH$dm

vi. BVa H$moUÀmhr n’VrZo

I. AmÂhr "nmmyV ~MV ~±H$ R>od ImVo' (~rEg~rS>r ImVo) Vw_¿mgmR>r Cnb„Y H$Í$Z XoD$,

¡m_‹o H$moUVrhr H$_mZ eÑ H$ R>od mMr JaO Zgob. AmÂhr H$moUVrhr AmH$maUr Z H$aVm

H$_mZ gm_m› gwdYm XoD$/nwady, ¡m_‹o nmg~wä g* gw’m g_mdÔ> AgVrb. ImVo CKS>Vodoir

gß~ßYV Vnerb VwÂhmbm nmaXe©H$ n’VrV H$idbo OmVrb.

*no_|Q> ~±H$m AmU N>moQ>Ám AW©gmhmÊ ~±H$mßgmR>r, nmg~wH$/ImVo ddaUmgß~ßYmVrb Z_ bmJy

n[aMmbZ _mJ©Xe©H$ VŒdmßZwgma AgVrb. no_|Q> ~±H$m AmU N>moQ>Ám AW©gmhmÊ ~±H$mßZm nmg~wH$

EodOr H$mJXr ÒdÍ$nmV/Bboä Q¥>m∞ZH$ ÒdÍ$nmV ImVo ddaU nwad mMr _w m Amho.

J. hr ImVr OoWo AZyko Agob VoWo VwÂhr Zm_ZXeZ H$Í$Z CKSy> eH$Vm. ImVo CKS>VmZm

Zm_ZXemMm nm© Xbm OmB©b. VgoM Zm_mZXeV Ïpä VMo Zmd nmg~wH$ / ImVo ddaUnÃ /

_wXV R>od nmdVrda (E\$S>rAma) Zm|Xd mMm nm© hr Xbm OmB©b.

ImVo CKS>VmZm AmÂhr nyd©Jm_r (_mJrb) ImÀmdarb n[aUm_ d Zm_ZXeZm¿m gwdYo ~‘bhr

gmßJy.

K. VwÂhr Zm_ZXeZ Ho$Îmg ÀmMr nmoMnmdVr XoD$ d Xbobr _mhVr nmg~wH$ / ImVo ddaUnÃ /

_wXV R>od nmdVrda Zm|XdyZ R>ody. VwÂhr dZßVr Ho$Îmg Zm_ZXeV Ïpä VMo Zmd gw’m Àmda bhZ

XoD$.

L>.AmÂhr nmg~wä g_‹o R>od d_m gwajo~m~V _mhVr nwady.

M. AmÂhr nmg~wä g_‹o gd© ÏdhmamßMo nwaogo Vnerb nwady.


17

N>. ImVo CKS>VmZm AmÂhr VwÂhmbm bpä dS> S>nm∞OQ> (Vab R>od) gwdYm, Òdrn ImVo d VemM BVa

gwdYmß~‘b AmU ÀmMr AmH$maUr d n’V mßMr _mhVr XoD$.

H$moUVohr R>od ImVo CKS> mnydu, AmÂhr Imbrb JmoÔ>r H$È :

H$. ""Vw_¿m JmhH$mbm OmUm'' (Ho$dmgr) ¿m _mJ©Xe©H$ VÀdmßMr Aß_b~OmdUr H$aUo

I. ÀmgmR>r AmdÌH$ nwamdo d H$mJXnÃ VwÂhmbm ~±Ho$_‹o XmIb H$a mg gmßJUo

J. Vw_¿m JmhH$mbm OmUm, (Ho$dmgr) qH$dm H$mim n°gm amoIUo (A±Q>r _Zr bm±S>[a®J) qH$dm BVa

gmßdYH$ (ÒQ>∞¿yQ>ar) AmdÌH$Vm nyU© H$a mgmR>r _mhVr Jmoim Ho$br OmB©b. AYH$ _mhVr

bmJÎmg Vr ÒdVßÃnUo _mJdbr OmB©b d ÀmgmR>rMo H$maU VwÂhmbm gmßJVbo OmB©b. edm

H$m⁄mZo _mJVbr Zgob Va hr _mhVr nwadUo Eop¿N>H$ Agob. H$mXm Aß_bmV AmUUmËm EOßgr

/ ~±qH$J Zm_H$ mß¿medm BVamßgmR>r hr _mhVr Jw· Agob.

K. ImVo CKS> mgmR>rMm AO© d BVa gmhÀ VwÂhmbm nwadbo OmB©b. ¡m_‹o AmdÌH$ d

nS>VmiUrgmR>r bmJUmar _mhVr d H$mJXnÃ mßMr _mhVr Xbobr Agob. Or Ho$dmgr

_mJ©Xe©H$mgmR>r bmJob.

S>. Am_Mo AboI A⁄mdV R>od mgmR>r Ho$dmgr gmR>r AmdÌH$ H$mJXnÃo VwÂhmbm R>amdH$ AßVamZo

gmXa H$amdr bmJVrb.

M. R>od ImVo CKS> mgmR>r Agbobr n’V d VwÂhmbm hdr Agbobr AmdÌH$ ÒnÓQ>rH$aUo Xbr

OmVrb.

N>. VwÂhr dmnaUma AgUmËm R>od gwdYo gßXm©Vrb ""AÀmdÌH$ AQ>r d eVu'' (E_AmQ>rgr)

VwÂhmbm XoD$.

O. ImVo CKS>Vo doir, VwÂhmbm E_AmQ>rgrMm mJ ÂhUyZ, R>od d_m moOZoMo Vnerb Cnb„Y H$Í$Z

XoD$, Oo maVr R>od d_m AmU F$U h_r _hm_ßS>im¤mao (S>rAmgrOrgr) AmU Àmß¿m Z_ d

AQ>t¤mao XoD$ H$a mV oV AmhoV.

H$. Oa VwÂhr Vw_¿m Mmby/~MV ImÀm¿m ZdS>r~m~V g_mYmZr Zgmb, Va VwÂhr ImVo

CKS>ÎmnmgyZ 14 Xdgmß¿m AmV Am_¿mer gßnH©$ gmYyZ AmÂhr XoD$ Ho$boÎm BVa H$moUÀmhr

ImÀmMr/CÀnmXZmMr ZdS> H$Í$ eH$Vm. nm© mZo, VwÂhr ImVo ~ßX H$a mMr d gmo~V Àmda

_id mV AmboÎm ÏmOmgmR>r dMmaUm H$Í$ eH$Vm. Aem ~m~VtV H$moUVohr XßS>Zr ewÎH$

8.1.1 ImVo CKS>Uo d R>od ImÀm_Yrb Ïdhma

8.1.2 ImVo ~XbUo

18

AmH$ma mV oUma ZmhrV.

I. Oa VwÂhmbm Vw_Mo Mmby / ~MV ImVo ~ßX H$amMo Agob d VwÂhr gd© Am°nMm[aH$Vm nyU© Ho$Îm d

gd© XÒVmdoO gmXa Ho$bo Va Vw_¿mH$Sy>Z gyMZm _imÎmZßVa H$m_H$mOm¿m VrZ Xdgmß¿m AmV

Vw_Mo ImVo AmÂhr ~ßX H$Í$.

J. Oa VwÂhmbm Vw_Mo ImVo Am_¿m ~±Ho$¿m XgËm EIm⁄m emIoV ~XbyZ hdo Agob Va Vgohr

H$Í$Z XoD$. ZdrZ emIoV Vw_Mo ImVo Vw_¿mH$Sy>Z Ver dZßVr AmÎmZßVa H$m_m¿m VrZ

Xdgm¿m AmV gwÈ Ho$bo OmB©b; ÀmgmR>r nŒmMm ZdrZ nwamdm _mJUma Zmhr AmU Vw_¿m

g‹m¿m nŒm~m~V Vw_Mo ÒdZdoXZ nwaogo Agob. nŒmMm XÒVmdoOr nwamdm VwÂhmbm ghm

_h›mß¿m AmV ⁄mdm bmJob. ImVo gwÈ PmÎmda AmÂhr VwÂhmbm bJoM H$idr. hÒVmßV[aVr

emIobm Vw_Mo d⁄_mZ ÒWmr AZwXoe/WoQ> S>o~Q≤>g, Oa AgVrb Va, H$id mV oVrb.

OoÏhm VwÂhr R>od ImVo gwÍ$ H$amb, VoÏhm AmÂhr

H$.VwÂhmbm ÏdhmamßMr gßªm, amoI/EQ>rE__YyZ H$mT>bobo n°go, B. ~m~V _mhVr Xbr OmB©b Or

R>amdrH$ H$mbmdYrV dZmewÎH$ Agob.

I. Oa R>amdH$ _m©Xm CÎbßKbr Jobr, Va H$moUVo AmH$ma bmJVrb mMr _mhVr XoD$. AmH$mamßMr

_mhVr Q>o[a\$ eoS>Áyb _‹o g_mdÓQ> Ho$br OmB©b.

J. ~MV ImÀmMo ÏmOXa, Vo H$go H$mT>bo OmVo d Ho$Ïhm Xbo OmVo hr _mhVr VwÂhmbm XoD$.

H$. ~MV ImÀmV H$_rV H$_r H$Vr eÎbH$ Agbr nmhOo ho AmÂhr emIo_‹o ‡Xe©V H$Í$.

I. AmÂhr VwÂhmbm ~MV ~±H$ ImVo AmU Mmby ImVo qH$dm BVa H$moUÀmhr ‡H$maMo R>od ImVo Aem

R>odt¿m CÀnmXZmgßXm©V _mhVr XoD$.

i. Aem ImÀmß_‹o Àmß¿m n[aMmbZmßMo Z_Z H$aUmËm Z_ d AQ>tZwgma H$_mZ eÑ H$

R>odmdr bmJob.

ii. ImÀm_‹o VwÂhr H$_mZ eÑ H$ R>od mg Aner R>abmV Va AmH$maUr bmJy hmoB©b.

AmH$ma mßMo Vnerb ‡ewÎH$ AZwgyMr_‹o g_mdÔ> AgVrb.

iii. OVZ H$amdm¿m H$_mZ ebH$s_‹o H$moUVohr ~Xb PmÎmg 30 Xdg AJmoXa

H$id mV oB©b. m gyMZm H$mbmdYr_‹o, Aem dhV PmboÎm CÉ H$_mZ ebH$sMo

8.1.3 ~MV / Mmby ImVo

8.1.3.1 H$_mZ eÎbH$


19

OVZ Z PmÎmg H$moUVohr ewÎH$ AmH$ma mV oUma Zmhr. ÀmZßVa ~rEg~rS>r ImÀm_‹o

Í$nmßV[aV H$a mMm nm© Agob Omo AmÂhr H$moUVrhr ewÎHo$ AmH$ma mnydu VwÂhmbm H$idy.

iv. ~MV ImÀmVrb eÑ H$ Ho$di H$_mZ eÑ H$ Z OnÎmZo AmH$ma mV oUmËm ewÎH$mßnmr

ZH$mamÀ_H$ hmoUma Zmhr mMr AmÂhr ImVaO_m H$Í$. Oa ImVo ~ßX qH$dm nwZH$m© m©p›dV

H$amMo Agob, Va AmÂhr H$_mZ eÑ H$ Z OnÎm~‘b AmH$ma mV AmboÎm d Z

aboÎm ewÎH$mßMm aUm _mJUma Zmhr.

v. VwÂhr Onmdm¿m H$_mZ eÑ H$sMo OVZ Z PmÎm~‘bMr AmH$maUr VyQ> H$Vr ‡_mUmV Amho

ÀmZwgma R>aob.

MoH$~wä g ZJ©_V H$a mgmR>r, ImÀmßMo AV[a∫$/Sw>pflbHo$Q> ddaU Xo mgmR>r, Sw>pflbHo$Q> nmg~wH$gmR>r,

aboÎm YZmXoemß¿m ‡VtgmR>r, \$mobAmo ewÎHo$, S>o~Q> H$mS>©, EQ>rE_ H$mS>©, ghrMr nS>VmiUr, YZmXoe

naVmdm, ImÀm¿m AYXoemV qH$dm e°brV ~Xb, ~MV ~±H$/Mmby ImVo ~ßX H$aUo, ImVo

AgboÎm/ImVo ZgboÎm emIo_YyZ n°go H$mT>Uo/n°go aUo, ~±Ho$¿m ÒdV:¿m/XgËm ~±Ho$¿m

EQ>rE_/_mH$mo EQ>rE__‹o amoI/amoIahV Ïdhma, B. mßgmR>rMr deÔ> ewÎHo$ Am_¿m ‡ewÎH$

AZwgyMr_‹o g_mdÔ> hmoVrb. XboÎm gdbVr qH$dm ZdmaUo Aem gdbVr¿m/ZdmaUm¿m _yb d°YVm

H$mbmdYrXaÂmZ H$mTy>Z KoVÎm OmUma ZmhrV.

H$. Oa VwÂhr nmg~wH$ KoVbo Zgob, Va Vw_¿m ImÀmMo ÏdÒWmnZ d ÀmVrb Zm|Xr nhm mgmR>r

AmÂhr VwÂhmbm Vw_¿m ImÀmMo _mgH$ ddaUnÃ /B©-_ob ddaUnÃ (VwÂhr ÒdrH$maUma

AgÎmg) nmR>dy. ho S>OQ>b _m‹_mVyZhr Cnb„Y hmoD$ eH$Vo.

I. Oa VwÂhmbm hdo Agob Va Ver dZßVr Ho$Îmg Vw_¿m ImÀmda gm_m›V: _iUmËm

ddaUnÃmedm AYH$ doim H$mhr AmH$ma bmdyZ VwÂhmbm ImVo ddaUnÃ Xody. Q>o[a\$ eoS>Áyb_‹o

ÀmMo AmH$ma Xbobo AgVrb.

J. Am_Mm E_AmgrAma H$moS> d AmE\$Eg H$moS>, MoH$~wH$, nmg~wH$ AmU ImVo ddaUnÃmV XoD$.

K. ~±Ho$Mm JmhH$godm H$_mßH$ / emIoMm gßnH©$ H$_mßH$ nmg~wH$ AmU ImVo ddaUnÃmV XoD$.

L>. AmÂhr AmW©H$ dfm©VyZ EH$Xm EH$ Vnerbdma "F$U ImÀmMo ddaU' dZmewÎH$ nwady. ho ddaU

Am∞ZbmB©Z ‡m·rMr gwdYm nwadyZ qH$dm B©_ob¤mao qH$dm m _m‹_mß¿m AZwnpÒWVrV, Q>nmbm¤mao

Cnb„Y H$Í$Z Xbo OmB©b. VwÂhmbm F$U ImÀm¿m ddaUmMr Sw>pflbHo$Q> hdr AgÎmg AWdm

8.1.3.2 AmH$maUr

8.1.3.3 nmg~wH$ / ddaUnÃ*

20

AYH$ ‡Vr hÏm AgÎmg, ewÎHo$ bmJy hmoVrb, Or Am_¿m do~gmB©Q>darb ‡ewÎH$ AZwgyMr_‹o

AmU H$O© gß~ßYV H$mJXnÃmß_‹o ‡Xe©V hmoVrb.

*no_|Q> ~±H$m AmU N>moQ>Ám AW©gmhmÊ ~±H$mßgmR>r, nmg~wH$/ImVo ddaUmgß~ßYmVrb Z_ bmJy

n[aMmbZ _mJ©Xe©H$ VŒdmßZwgma AgVrb. no_|Q> ~±H$m AmU N>moQ>Ám AW©gmhmÊ ~±H$mßZm nmg~wH$

EodOr H$mJXr ÒdÍ$nmV/Bboä Q¥>m∞ZH$ ÒdÍ$nmV ImVo ddaU nwad mMr _w m Amho.

Oa Vw_Mo ImVo A⁄VZmgmR>r¿m qH$dm _yÎdY©V godmßgmR>r¿m AQ>tMr nyV©Vm H$aV Agob, Va AmÂhr

Ho$di Vw_Mr boIr AWdm BVa _mJ AZw_Vr KoD$Z qH$dm AmdÌH$ dYJmVoZßVa AY‡_mUV

Bboä Q¥>m∞ZH$ _mJm™_m\©$V Vw_Mr AZw_Vr _imbr Agob VaM Vgo H$Í$.

Vw_Mo ImVo CÉ CÀnmXZ Amd•ŒmrVyZ EH$m H$Z> CÀnmXZ Amd•Œmr_‹o AdZV PmÎmg AmÂhr VwÂhmbm Vgo

H$idy. AmÂhr Vrg XdgmßMr gyMZm XÎmZßVa ImVo AdZV H$Í$.

H$. Mm°H$er Ho$Îmg AkmZ _wbmgmR>r ImVo H$go CKS>bo OmVo d Àm_‹o Ïdhma H$go H$aVm oVrb ho

VwÂhmbm gmßJy.

I. AkmZ _yb gkmZ hmoB©b Vr VmarI H$idy.

AmÂhr ho H$È :

H$. VwÂhr Vw_Mo ImVo CKS>ÎmZßVa, H$moUÀm n[apÒWVt_‹o Vw_Mo ImVo A‡dVu/ZpÓH$ ÂhUyZ

dJuH•$V hmoB©b Vo H$idy. Vw_Mo ImVo A‡dVu/ZpÓH$ ÂhUyZ dJuH•$V hmo mnydu Àm~‘b AmU

Àm¿m n[aUm_mß~‘b Vw_¿m AßV_ AboIV nŒmda AmU/qH$dm B©_obda H$idy.

I. Vw_Mo ImVo gwflV / A‡dVu hmoV AgÎm ~‘bMr gyMZm EgE_Eg / B©_ob ¤mao H$idy.

J. ImVo gw· / A‡dVu hmo mnydu gß wä V ImVoXmambm / ImVoXmamßZm H$idy.

K. Oa ImVo VwÂhmbm nw›hm Mmby H$amMo Agob Va ÀmMr n’V hr H$idy.

L>. EImXo ImVo Ho$di gwflV / A‡dVu Amho ÂhUyZ Àmbm H$moUVmhr AmH$ma bmdUma Zmhr.

M. A‡dVu ImVo nw›hm Mmby H$a mgmR>r H$moUVmhr AmH$ma bmdUma Zmhr.

8.1.3.4 R>od ImÀmßMo A⁄VZ AmU _yÎdY©V godmßMr a

8.1.3.5 R>od ImÀmßMr AdZVr

8.1.4 bhmZ (AkmZ) _wbmßgmR>r ImVo

8.1.5 gw·/A‡dVu/ZpÓH$ (BZAm∞naoQ>Ïh) ImVr


21

N>.Vw_Mo ZÓH$s ImVo Vw_¿m dZßVrZwgma gH$ Ho$ÎmZßVa EgE_Eg/B©_ob qH$dm nÃ Aem ddY

_m‹_mß_m\©$V VwÂhmbm H$id mV oB©b.

gm_m› n[apÒWVrV ImVo ~ßX H$a mMr H$maUo XoD$Z ZXmZ 30 XdgmßMr gyMZm XÎmedm AmÂhr

Vw_Mo ImVo ~ßX H$aUma Zmhr. Aem n[apÒWVrV VwÂhr AJmoXaM XboÎm MoH$Mr VwÂhmbm nm© r ÏdÒWm

H$amdr bmJob d m ImÀmVyZ ZdrZ MoH$ XoVm oUma ZmhrV.

AmÂhr ho H$È.

H$. AmÂhr S¥>m∞n ~m∞ä g gwdYm XoD$ ¡m_‹o O_m H$a mgmR>r nmR>d mMo MoH$ Q>mHy$ eH$Vm. S¥>m∞n

~m∞ä g_‹o O_m Pmbobo MoH$ moΩ [aVrZo d VÀnaVoZo hemo~mV KoVbo OmV AmhoV mMr moΩ Vr

H$miOr KoVbr OmB©b. VWmn, Varhr Vw_Mr B¿N>m Agob Va MoH$ S¥>m∞n ~m∞ä g_‹o Q>mH$ mEodOr

H$mCßQ>ada XoD$Z ÀmMr nmoMnmdVr KoD$ eH$Vm.

I. ÒWmZH$ AmU naJmd¿m gmYZmß¿m g_memoYZ MH$m~‘b AmÂhr VwÂhmbm gyMV H$Í$, m_‹o

gmYZo XmIb Ho$ÎmXderM ÀmßMo g_memoYZ hmo mgmR>rMr AßV_ doi, gmYZo XmIb Ho$ÎmZßVa

VwÂhr n°go H$Yr H$mTy> eH$Vm AmU dbß~V gßH$bZmda Am_¿m YZmXoe gßH$bZ YmoaUmZwgma

ÏmO H$_md mg H$Yr nmÃ Agmb, AemgmaIo Vnerbhr g_mdÓQ> AgVrb.

J. Oa MoH$, S>rS>r gßJhV H$a mg dbß~ Pmbm Va Am_¿m MoH$ dgybr / ZwH$gmZ anmB©

YmoaUmZwgma Vw_¿mH$Sy>Z _mJUr o mMr dmQ> Z nmhVm VwÂhmbm anmB© Xbr OmB©b.

K. Oa Am_¿mH$S>o O_m H$a mgmR>r Xbobm MoH$ ‡XmZ Z hmoVm naV Ambm Va VwÂhmbm bJoM

EgE_Eg / B©_ob ¤mao H$idy.

L>. ‡XmZ Z H$aVm Ambobm / ZmH$mabobm MoH$ hÒVmj[aV [aQ>Z© _o_mogh Àmda MoH$ naV AmÎmMm

XZmßH$ d ‡XmZ naV AmÎmMo / ZmH$ma mMo H$maU XoD$Z 24 Vmgmß¿m AmV VwÂhmbm naV nmR>dy.

M. Oa naJmd¿m YZmXoemßgmR>r VmÀH$mi Ho$S>Q> XoD$ H$a mV Ambo, Va AmÂhr gß~ßYV _mhVr nwady.

m_‹o bmJy Z_ d AQ>r g_mdÔ> AgVrb, CXm. VwÂhr XmIb Ho$bobr gmYZo

g_mYmZH$maH$arÀm n[aMmbV ImÀmß_‹o H$moUÀm _m©Xon™V Ho$S>Q> hmoD$ eH$VmV.

N>. Oa Ïdhmam XaÂmZ Vw_Mm MoH$ / B›ÒQÆ>_|Q> hadÎmg Am_¿m MoH$ dgybr / ZwH$gmZ anmB©

Xo mg d ÀmMr Sw>pflbHo$Q> _idyZ Xo mg _XV H$Í$.

O. Am_¿mH$S>o ImVo CKS>VmZm d OoÏhm OoÏhm VwÂhr Mm°H$er H$amb VoÏhm VoÏhm darb _mhVr AmÂhr

8.1.6 ImVo ~ßX H$aUo

8.2 g_memoYZ MH$/ dgybr godm

22

VwÂhmbm XoD$. Am_¿m MoH$ dgybr YmoaUm_‹o H$mhr ~Xb PmÎmg, ZdrZ YmoaU Am_¿m

do~gmB©Q>da d gd© emImß_‹o ‡Xe©V Ho$bo OmB©b.

H$. H$moAa ~±qH$J Zwgma AmÂhr H$moUÀmhr emIoV MoH$ d amoH$S> n°go ÒdrH$mÈ d n°go XoD$, naßVw Aem

ÏdhmamßgmR>r H$mhr ‡V~ßY qH$dm AmH$ma bmJy AgVrb Va Àm AYrZ hr godm Xbr OmB©b.

I. AmÂhr OwZmQ>/Iam~ ZmoQ>m AmU/qH$dm N>moQ>r ZmUr mßMm dZ_ H$Í$Z MmßJÎm XOm©¿m, Òd¿N>

~±H$ ZmoQ>m/ZmUr Am_¿m gd© emImß_YyZ Xa Xder EH$m dhV _m©Xon™V XoD$. AmÂhr dhV

_m©Xon™V ~mhoÍ$Z AmboÎm JmhH$mßZmgw’m hr gwdYm nwady.

J. deÔ> aH$_odarb ÏdhmamßgmR>r, Vw_Mm n∞Z gmXa H$a mMr JaO bmJob.

m gßXm©V AmÂhr Imbrb‡_mUo H•$Vr H$Í$ :

H$. ImVo CKS>VmZm VwÂhmbm ‡Àj IMu / ÒWmr gyMZm H$em CnmoJmV oVmV d VwÂhr Àm H$em

Zm|Xdy eH$Vm qH$dm a‘ H$Í$ eH$Vm AmU Àmda H$Vr ewÎH$ bmJob ho gmßJy. doimodoir XÈÒV

Ho$boÎm Q>o[a\$ eoS>Áyb‡_mUo ewÎH$ bmdbo OmB©b.

I. S>maoä Q> S>o~Q> gmR>r (amÔ¥>r Bboä Q¥>m∞ZH$ g_memoYZ godoßVJ©V (EZB©grEg))/amÔ¥>r

ÒdßMbV g_memoYZ J•h (EZEgrEM) AmU BVa ÒWmr AZwXoemßgmR>r VwÂhr XboÎm

AYXoemZwgma H•$Vr H$Í$. VwÂhr XboÎm AmXoem‡_mUo H$m_ H$a mV hJ qH$dm dbß~ Pmbm d

Àm_wio Vw_Mm AmW©H$ VmoQ>m Pmbm qH$dm AV[aä V qH$_V dmT>br, Va ~±Ho$¿m ZwH$gmZ anmB©

ZrVr‡_mUo anmB© XoD$. nU Vw_¿m ImÀmV nwaoer eÎbH$ ZgÎm_wio Oa Vw_¿m AmXoem‡_mUo

H$m_ H$aVm Ambo Zmhr, Va doimodoir XÈÒV Ho$boÎm ‡ewÎH$ AZwgwMr‡_mUo (Q>o[a\$ eoS>Áyb)

Vw_¿mSy>Z AmH$ma KoVbm OmB©b.

J. Oa Ago bjmV Ambo H$s AZYH•$VnUo / MwH$s_wio Vw_¿m ImÀmV H$moUVrhr aä H$_ Zmdo KmVbr

Jobr Amho Va Vw_¿m ImÀmV ÏmOmgH$Q> naVmdm Xbm OmB©b d ZwH$gmZ anmB© YmoaUm‡_mUo

anmB© Xbr OmB©b.

m gßXm©V AmÂhr Imbrb‡_mUo H$È :

H$. VwÂhr XboÎm MoH$¿m ~m~VrV VwÂhr XoUo Wmß~d mMr Ho$bobr gyMZm ÒdrH$mÈ. Vw_¿mH$Sy>Z

8.3 amoH$S> Ïdhma

8.4 ‡Àj IMu Q>mH$Uo (WoQ> Zmdo bhUo) d ÒWmr gyMZm

8.5 ‡XmZ (XoUo) Wmß~d mMr gwdYm


23

gyMZm _imÎmda Vm~S>Vmo~ ÀmMr nmoMnmdVr XoD$ d Oa Am_¿mH$Sy>Z MoH$ AmYrM ä brAa

Pmbo ZgVrb Va nwT>Mr H•$V H$È.

I. AgÎmg ‡ewÎH$ AZwgwMr (_‹o Q>o[a\$ eoS>Áwb) XÎm‡_mUo AmH$ma bmdy.

J. Oa ‡XmZ Wmß~d m¿m gyMZoMr nmoMnmdVr XÎmZßVa hr Am_¿mH$Sy>Z MoH$Mo ‡XmZ Ho$bo Jobo,

Va VodT>r aä H$_ naV H$È d ~±Ho$¿m ZwH$gmZ anmB© YmoaUmZwgma anmB© XoD$.

AmÂhr ho H$È :

H$. Vw_¿m ImÀmVyZ ÀmMo n°go Xbo Jobo Ago _yi MoH$ / dOmdQ>r¿m gyMZm qH$dm ÀmßMr ‡Vbnr

qH$dm YZmXoe ÈßS>Z ßÃUm (grQ>rEg) Zwgma O_m H$aUmËm ~±Ho$H$Sy>Z ‡m· Pmbobr MoH$Mr ‡V_m

H$m⁄mZwgma AmdÌH$ AgboÎm H$mbmdYgmR>r R>ody.

I. Am_¿mH$S>o AboI Cnb„Y AmhoV Vmoda nwamdm ÂhUyZ VwÂhmbm YZmXoe/YZmXoemMr/H•$Vr

Ho$boÎm S>o~Q> gyMZoMr ‡V_m qH$dm ‡V XoUo. Oa Vw_¿m ImÀmVrb ‡XŒm MoH$ / dOmdQ>r¿m

gyMZmß~‘b H$mhr dmX Agob, Va EH$ dfm©¿m AmV _mJUr Ho$Îmg H$mhr AmH$ma bmJUma Zmhr.

_mÃ EH$ dfm©ZßVa ‡ewÎH$ AZwgwMrZygma (Q>o[a\$ eoS>Áwb) ewÎH$ bmdbo OmB©b.

J. ‡XmZ Z Pmbobo MoH$ d VmarI CbQy>Z Jobobo (ÒQ>ob) MoH$ m ~m~VrV AmÂhr H$m H$aVmo Vo gmßJy.

mgmR>r bmJUmao ewÎH$ Q>o[a\$ eoS>Áyb_‹o g_mdÓQ> Ho$bo OmB©b.

H$. OoÏhm VwÂhr Am_¿mH$S>o _wXV R>od R>odmb, VoÏhm AmÂhr AOm©VM Vw_¿m R>odrMr _wXV nyU©

PmÎmZßVa H$em n’VrZo naVmdm hdm, Àm~‘b¿m gyMZm KoD$.

I. Oa _wXV nyU© PmÎmZßVa R>odrMo H$m H$amMo m¿m gyMZm XboÎm ZgVrb, Va _wXVnyVuMr

ZmoQ>rg nÃ / B©-_ob / EgE_Eg ¤mao nwaogo AmYr H$idy.

J. Varhr Oa Vw_¿mH$Sy>Z H$mhrhr gyMZm Ambr Zmhr Va H$a ~MV R>od B. ‡H$ma¿m R>ody gmoSy>Z, Àm

R>odrMo nyd©¿mM _wXVr gmR>r ‡MbV XamZo ZyZVrZH$aU H$Í$.

K. _wXVrnydu n°go H$mTy>Z Ko m~‘bMr n’V gmßJy. hr _mhVr ImVo CKS> mMm \$m∞_© / E_AmQ>rgr

(_hÀdm¿m AQ>r d eVu) d _wXV R>od nmdVr¿m _mJrb ~mOyghr Xbobr Agob.

L>. _wXV R>od _wXVrnydu _moS> mgmR>r Agbobr AmH$maUr d Àmda bmJy hmoUmao ÏmO gmßJy.

M. AmÂhr _wXV R>odt_YyZ _wXVnyd© n°go H$mT> mg "nyd©dVu Ï∫$s qH$dm CŒmaOrdr/Xmohm|n°H$s EH$ qH$dm

CŒmaOrdr' m AYXoemZwgma gh_Vr XoD$, Oa m hoVwH$[aVm gd© R>odrXmamßH$Sy>Z EH$ deÔ> gh-

8.6 VwÂhr ZJ©_V Ho$bobo YZmXoe/S>o~Q> gyMZm

8.7 _wXV R>odr

24

AYXoe Xo mV Ambobm Agob Va. AmÂhr Agm AYXoe ImVo CKS> m¿m ‡nÃmV nwady.

N>. Vw_Mr R>od ÒdrH$maVmZm, _wXVrZßVa VwÂhmbm R>odrMo ZyVZrH$aU H$amMo AgÎmg ÀmgmR>r bmJy

hmoUmao ÏmO, AQ>r d eVu gmßJy. hr _mhVr ImVo CKS> mMm \$m∞_© / E_AmQ>rgr / _wXV R>od

nmdVr¿m _mJrb ~mOyghr Xbobr Agob.

O. Vw_¿m R>odr¿m O_m hmoUmËm ÏmOmda bmJy hmoUmËm AmH$a AYZ_m¿m VaVyXr, Àm

AYZ_m‡_mUo Am_¿mda Agbobr ~ßYZo AmU Am_¿mH$Sy>Z _yi ÚmoVmVyZ H$a H$mnVmZm

VwÂhmbm _iy eH$Umar gyQ> m~‘b _mhVr XoD$.

P. Oa VwÂhr Vw_¿m ÏmOm¿m CÀnfimda H$a a mg Xo Zgmb Va AmÂhr AO© H$aVodoir

Vw_¿mH$Sy>Z \$m∞_© 15Or qH$dm 15EM ÒdrH$mÍ$. Oa VwÂhr Vw_¿m ÏmOm¿m CÀnfimda H$a

a mg Xo Zgmb, Va VwÂhr AmÂhmbm AmdÌH$ Agob Vmo \$m∞_© AmW©H$ dfm©¿m gwÈdmVrbm

gwnyX© H$Í$ eH$Vm. AmÂhr Aem \$m∞Âg©Mr ‡m·r Ho$ÎmMr _m›Vm XoD$.

ƒm. Vw_¿m R>odrda O_m hmoUmËm / ‡XmZ Ho$Îm OmUmËm ÏmOmVyZ Oa AmÂhr H$a dOm Ho$bm Va

R>amdH$ H$mimV Àmgß~ßYrMo ‡_mUnÃ VwÂhmbm XoD$.

_wXV R>odrda VwÂhmbm Cnb„Y Agbobr AYH$f© (AmoÏhaS¥>m‚Q>) / H$O© gwdYm VwÂhmbm gmßJy.

H$. Am_¿m R>odr YmoaUmßMm mJ ÂhUyZ _•V ImVoYmaH$mßgßXm©Vrb XmÏmßMr VS>OmoS> H$a mgmR>rMr

n[aMbZmÀ_H$ ‡H$m Am_¿m emIo_‹o Cnb„Y Amho AmU Am_¿m do~gmB©Q>dagw’m

Cnb„Y Amho.

I. Oo Am_¿mH$S>o _V ImVoXmam¿m ImÀm¿m naVmÏm gmR>r \$m∞_© ømbm oVrb ÀmßZm _V

ImVoXmamMo ImVo O_m~ßXr (V~Xrbr) H$a mgmR>r Xmdm \$m∞_© XoD$. Xmdm \$m∞_© Am_¿m do~gmB©Q> da

AgVrb.

H$. _V ImVoXmam¿m ~m~VrV, OoÏhm ÀmZo Zm_ZXeZmMr gwdYm KoVbr Amho AmU d°Y Zm_ZXeV

Ho$bo Amho qH$dm CŒmaOrdr H$b_mgh ImVo CKS>bo Agob (Ogo ""H$moUrhr EH$ qH$dm CŒmaOrdr''

qH$dm ""H$moUrhr qH$dm CŒmaOrdr'' qH$dm ""AmYrMm qH$dm CŒmaOrdr'' qH$dm ""ZßVaMm qH$dm

CŒmaOrdr'') Va _V ImVoXmam¿m ImÀmVrb eÎbH$sMo ‡XmZ _V ImVoXmam¿m CŒmaOrdr /

Zm_ZXeV Ïpä Vbm Ho$bo OmB©b, Oa

8.7.1 R>od VmaUm darb H$O©

8.8 _•V ImVoYmaH$mßgßXm©V XmÏmßMr VS>OmoS>

8.8.1 CŒmaOrdr/Zm_ZXe H$b_ Agbobo ImVo


25

i. CŒmaOrdr / Zm_ZXeV Ïpä VMr AmoiI d ImVoXmam¿m _•ÀwMo Vœ moΩ H$mJXnÃmßMm

nwamdm XoD$Z nQ>dyZ XoB©b.

ii. _V ImVoXmam¿m ImÀmVyZ ‡XmZ H$a mg ~ßXr H$aUma H$moUVmhr AmXoe gj_ ›mmbmZo

Omar Ho$bm Zgob.

Aem ‡H$aUmß_‹o _V ImVoXmam¿m ImÀmV eÎbH$ Agbobr aä H$_ dMmamV Z KoVm _V

ImVoXmam¿m CŒmaOrdr / Zm_ZXeV Ïpä VH$Sy>Z CŒmamYH$ma ‡_mUnÃ, ‡emgZ nÃ qH$dm

‡mo~oQ> B. qH$dm CŒmaOrdr / Zm_ZXeV Ïpä VH$Sy>Z jVnyVu ~m∞ S> H$dm Om_rZ Z _mJVm ‡XmZ

Ho$bo OmB©b.

I. CŒmaOrdr / Zm_ZXeV Ïpä VßZm _V ImVoXmamMo H$mXoera dmagmßMo dÌdÒV ÂhUyZ ~±Ho$H$Sy>Z

‡XmZ _iob. AWm©V Àm_wio ¡m Ïä VrMo CŒmaOrdr / Zm_ZXeV Ho$boÎm ¡mßZm _V

Ïä Vr¿m ImÀmVrb aä H$_ AXm Ho$br Amho, Aem Ïpä V®dÈ’Mo hä H$ d Xmdo mßZm jVr

nmohmoMUma Zmhr.

J. m AQ>t¿m AYrZ CŒmaOrdr / Zm_ZXeV Ïpä V®Zm ‡XmZ Ho$ÎmZßVa ~±H$ Àmß¿m XmÀdm_YyZ

nyU©nUo _wä V hmoB©b.

K. "Xmohm|n°H$s EH$ qH$dm CŒmaOrdr' qH$dm "nyd©dVu Ï∫$s qH$dm CŒmaOrdr' AYXoe AgUmËm _wXV

R>odt¿m ~m~VtV, EH$m R>odrXmamMm _•Àw PmÎmda, CŒmaOrdr ghR>odrXmambm R>odrVyZ _wXVnyd© n°go

H$mT> mMr AZw_Vr gd© R>odrXmamßH$Sy>Z VemgßXm©V AYXoe Agob VaM _iob. _wXVnyd© n°go

H$mT>Îmg Àmda R>odr¿m XZmßH$m¿m Xder bmJy AgboÎm ÏmOXamda R>od Am_¿mOdi

amhboÎm H$mimnwaVo ÏmO H$moUÀmhr XßS>medm _iob.

L>.H•$nm Zm|X ømdr H$s ghR>odrXma ImVo AgÎmg, AhÒVmßH$VrMm h∏$ Ho$di gd© R>odrXmamßMm

XX£dr _•Àw PmÎm¿m ‡gßJrM CÿdVmo.

M. AhÒVmßH$ZmMr Zm|XUr H$aVodoir, nmg~wH$/ImVo ddaUm_‹o/E\$S>rAma _‹o AhÒVmßH$VrMo

Zmd Xe©d mMm/Z Xe©d mMm nm© Vw_¿mH$S>o AgVmo.

Oa _•V R>odrXmamZo H$moUVohr AhÒVmßH$Z Ho$bo Zgob qH$dm "Xmohm|n°H$s EH$ qH$dm CŒmaOrdr' Aem

e°brIoarO BVa ImÀmßgmR>r (CXm. EH$b qH$dm ghn[aMmbV ImVr), gm_m› _mUgmßMr J°agmo AmU

AZwMV H$Ô>mdÒWm Q>mi mMr AZdm© JaO bjmV KoVm, AmÂhr H$mXoera dmagXmam(amß)g naV\o$S>

H$a mgmR>r EH$m gwairV ‡H$oMm Adbß~ H$Í$. Am_¿m OmoIr_ ÏdÒWmnZ YmoaUmMo nmbZ H$aV,

8.8.2 CŒmaOrdr/Zm_ZXe H$b_ Zgbobo ImVo

26

AmÂhr EH$ H$_mZ ‡mdgr_m _m©Xm ZpÌMV H$Í$ (Or _mJUr Ho$Îmda emIo_YyZ H$id mV oB©b),

OWn™V _•V R>odrXmam(amß)¿m gßXm©Vrb XmÏmßMr jVnyVu nÃmIoarO BVa H$moUVrhr H$mJXnÃo gmXa

H$a mMm AmJh Z YaVm VS>OmoS> Ho$br OmB©b.

_V ImVoXmam¿m dVrZo gmXa Ho$bobm Xmdm, AmÂhmbm _imÎmnmgyZ 15 Xdgm¿m AmV MwH$Vm H$È d

Àm¿m CŒmaOrdr / Zm_ZXeV Ïpä V®Zm n°go XoD$. _mÃ ImVoXmam¿m _•ÀwMm nwamdm d XmdoXmamMr ZrQ>

AmoiI m~m~VrV ~±Ho$Mo g_mYmZ Pmbo nmhOo.

_wXV R>odr¿m ~m~VrV, ImVo CKS> m¿m \$m∞_© _‹oM Ago H$b_ Kmby H$s ¡m_‹o ImVoXmamMm _•Àw

PmÎmg _wXV R>od _wXVrnydr© _moS> mg _w m Xbobr Agob mgmR>r AmdÌH$ AQ>r Àm \$m∞_©_‹oM

XboÎm AgVrb AmU Aem ‡H$mao n°go H$mT>VmßZm H$moUVohr XßS>mÀ_H$ ewÎH$ bmJUma Zmhr.

_V ImVoXmam¿m CŒmaOrdr / Zm_ZXeV Ïpä VMm Ãmg dmMmdm mgmR>r, _V ImVoXmam¿m Zmdmda

oV amhUmËm n°emß¿m gßXm©V CŒmaOrdr / Zm_ZXeV Ïpä VH$Sy>Z moΩ H$amaZm_m / AYH$manÃ

KoVbo OmB©b. mgmR>r Imbrbn°H$s EIm⁄m _mJm©Mm Adbß~ H$a mMm dMma Ho$bm OmB©b.

i. Zm_ZXeV / CŒmaOrdr Ïpä V AmÂhmbm "" .................................. _V mßMr _mb_Œmm'' Aem

ZmdmZo EH$ ImVo CKS> mgmR>r ‡mYH•$V H$È eH$Vo, ¡m_‹o _V ImVoXmam¿m Zmdmda oUmao

gd© n°go O_m H$obo OmVrb, _mÃ n°go H$mT>Vm oUma ZmhrV.

qH$dm

ii. Zm_ZXeV / CŒmaOrdr Ïpä VZo AmÂhmbm ‡mYH•$V Ho$Îmg Ambobo n°go, nmR>dUmËmg

""ImVoXma _•Àw nmdbm Amho'' Aem eoËmgh naV nmR>dbo OmVrb d Àm‡_mUo Zm_ZXeV /

CŒmaOrdr Ïpä Vbm H$id mV oB©b. CŒmaOrdr / Zm_ZXeV Ïpä V qH$dm H$mXoera dmag

ZßVa n°go nmR>dUmËmer gßnH©$ gmYyZ moΩ Ïpä V¿m Zmdo naH$mÂ XÒVmEodOm¤mao (ZJmoe~b

BßÒQØ>_|Q>) qH$dm BVa Bboä Q¥>m∞ZH$ _m‹_mVyZ n°go nmR>d mg gmßJy eH$VmV.

i. AmÂhr VwÂhmbm ho H$idy H$s no›eZ Ho$S>Q> H$a mgmR>r CKS>boÎm ~MV ~±H$ ImÀmgmR>r

AhÒVmßH$ZmMr gwdYm Cnb„Y Amho.

ii. AmÂhr VwÂhmbm ho H$idy H$s ~±qH$J Hß$nZr (AhÒVmßH$Z) Z_, 1985 ho no›eZ WH$~mH$s

8.8.3 Xmdm MwH$Vm H$a mg bmJUmam doi

8.8.4 _wXV R>odr _wXVrnydu _moS>Uo

8.8.5 _V ImVoXmam¿m Zmdmda oUmam n°em¿m AmoKmMo ÏdÒWmnZ

8.8.5.1 no›eZ ImVr*


27

(AhÒVmßH$Z) Z_, 1983 mßnmgyZ doJio AmhoV.

iii. AmÂhr VwÂhmbm ho H$idy H$s no›eZ WH$~mH$s (AhÒVmßH$Z) Z_mßVJ©V WH$~mH$s ‡m·

H$a mH$[aVm VwÂhr Ho$bobo AhÒVmßH$Z ho VwÂhr Am_¿mH$S>o amIboÎm R>od ImÀmß¿m hoVwH$[aVm

d°Y ZgVrb. mgmR>r ~±qH$J Hß$nZr (AhÒVmßH$Z) Z_, 1985 A›do EH$m doJm

AhÒVmßH$ZmMr JaO Agob, Oa VwÂhmbm AhÒVmßH$Z gwdYoMm bm Ko mMr B¿N>m Agob Va.

*(Q>rn : gßhVo¿m 8.8.5 _Yrb VaVwXr no›eZg©Zr Am_¿mH$S>o amIboÎm R>od ImÀmß¿m

~m~VtV bmJy hmoV ZmhrV)

H$.AmÂhr VwÂhmbm go\$ S>nm∞PQ> bm∞H$a¿m dmQ>nmßgmR>r AmU VgoM _m°ÎdmZ dÒVyß¿m go\$

S>nm∞PQ>gmR>r, Oa AmÂhr hr godm XoD$ H$aV Agbmo Va, bmJy Z_mßMo AmU ‡H$mßMo gßnyU©

Vnerb XoD$ AmU mß_Yrb \$aH$hr ÒnÔ> H$Í$Z XoD$ AmU m godmßMr ewÎHo$ AmU Img d°eÓQ>Áo

gw’m g_OmdyZ XoD$. AmÂhr ZV R>odr AmhoV H$m ho Z nmhVm bm∞H$a dmQy>. naßVw, bm∞H$a¿m

mS>ÁmMm aUm doiodmar hmo mMr ImÃr H$a mgmR>r, AmÂhr dmQ>n H$aVodoir, ZV R>od _idy

eH$Vmo ¡m_‹o 3 dfm™Mo mS>o AmU ‡gßJ CÿdÎmg bm∞H$a \$moSy>Z CKS> mgmR>r bmJUmao ewÎH$

EdT>r _iyZ a∏$_ Agob. AmÂhr Vw_¿m go\$ S>nm∞PQ> bm∞H$a¿m WH$V mS>Ám~‘b VwÂhmbm

AmR>dU H$Í$Z XoV amh d mgmR>r Vw_¿m AßV_ Zm|XdboÎm nŒmda AmU/qH$dm B©_obda

AmR>dUrMo gßXoe nmR>dV amh. bm∞H$a H$amaZmÂmZwgma Am_¿mH$S>o Xo mS>ÁmMm aUm hmoB©n™V

bm∞H$a_Yrb n[aMmbZmßda Z~™Y AmU mMm h∏$ Amho. AmÂhr hm IßS> H$amaZmÂm_‹o AßVy©V

H$Í$.

I.AmÂhr VwÂhmbm gÑ m XoD$ H$s go\$ S>nm∞PQ> bm∞H$a mS>ÁmZo KoVÎmZo n≈>mH$ma AmU n≈>oXma Ago

ZmVo Vma hmoVo AmU n≈>oXmamH$S>o EH$m gwajV d gßajV n[apÒWVrV go\$ S>nm∞PQ> bm∞H$aMr _w∫$

‡m·r _id mMm AYH$ma AgVmo.

H$. OoÏhm VwÂhr dXoer MbZ dH$V ømb qH$dm dH$mb Àmdoir AmÂhr m godo~‘bMr. dZ_ Xa d

dXoer MbZ Ïdhmambm bmJy Agbobo BVa AmH$ma m~‘bMr _mhVr XoD$. Oa ho eä Zgob,

Va Vo H$em n’VrZo KoVbo OmVo Vo VwÂhmbm gmßJy.

I. Oa VwÂhmbm naXoer n°go nmR>dmMo AgVrb, Va Vo H$go H$amdo ho gmßJy d nwT>rb _mhVr XoD$.

i. godoMr _mhVr d Vr H$er dmnamdr ho gmßJy.

8.9 gwajm R>od, bm∞H$a

8.10 dXoe dZ_ godm

28

ii. VwÂhr naXoer nmR>dbobo n°go VoWo Ho$Ïhm _iVrb ho gmßJy d Oa Cera Pmbm Va ÀmMr H$maUo

XoD$.

iii. dXoer MbZ ~XbVmZm bmJy Agbobm dZ_ Xa gmßJy (Oa ‡Àj Ïdhma H$aVmZm ho eä

Zgob, Va Vmo Xa H$m hmoVm ho AmÂhr VwÂhmbm ZßVa H$idy.)

iv. VwÂhmbm amdo bmJUmao H$moUVohr H$_eZ qH$dm ewÎH$ d n°go _iUmËmbm bmJUmao Am_¿m

~amo~a H$m_ H$aUmËm ghmH$ naXoer ~±Ho$Mo ewÎH$ m~‘b gyMV H$Í$.

J. naXoer n°go nmR>d mgmR>r VwÂhr Xbobr _mhVr nwaoer Amho qH$dm Zmhr ho gmßJy. Oa dgßJVr qH$dm

H$mJXnÃmßMr Anwar _mhVr Xbr Agob. Va AmÂhr VwÂhmbm Vm~S>Vmo~ H$idy d Vr XÈÒV / nyU©

H$a mgmR>r _XV H$È.

K. Oa naXoemVyZ Vw_¿m ~±H$ ImÀm_‹o n°go hÒVmßV[aV H$a mV Ambo AgVrb, Va AmÂhr

VwÂhmbm _imbobr _yi a∏$_, AmU Àmda AmH$ma mV Ambobr ewÎHo$, Oa AgVrb Va, gmßJy.

Oar n°go nmR>dUmËmZo gd© ewÎH$mßMm aUm H$a mg _m›Vm Xbr Agbr, Varhr AmÂhr Vw_¿m

ImÀm_‹o _iH$VrMo n°go Ho$S>Q> H$aVodoir Am_Mr ewÎHo$/d°YmZH$ H$a dOm H$Í$Z KoD$.

L>. VwÂhr dMmaÎmg AmÂhr XoV AgboÎm dXoer MbZ godo gß~ßYV Zm_H$ AmdÌH$Vm qH$dm AQ>r

gmßJy.

M. ¡mXder aä H$_ Vw_¿m ImÀmV O_m Pmbr nmhOo Àmnojm OmÒV Cera Pmbm Va, VwÂhmbm

~±Ho$¿m ZwH$gmZ anmB© YmoaUm‡_mUo ZwH$gmZ anmB© XoD$. (i) Xo VmaIo ZßVa Pmbobo ÏmOmMo

ZwH$gmZ d (ii) dXoer dZ_ Xam¿m ‡VHw$bVoMr Xo VmaIonmgyZ anmB© Am_¿m ZwH$gmZ

anmB© YmoaUm Zwgma Xody.

N>. Zm_H$/d°YmZH$ gyMZmßVJ©V ZJ©_V hmo mg AmdÌH$ Agbobr gd© ‡_mUnÃo Zm__mÃ

ewÎH$mß_‹o ZJ©_V hmoVrb AmU Vr Am_¿m do~gmB©Q>da ‡Xe©V hmoVrb. mg AndmX Aer

d°YmZH$ ‡_mUnÃo AgVrb Or dZmewÎH$ ZJ©_V H$amdmMr AgVrb.

Oa VwÂhmbm maVmVÎm maVmV (XoemßVJ©V) n°go nmR>dmMo AgVrb Va AmÂhr Vo H$go H$amdo m~‘b

_mhVr XoD$ d Imbrb ‡_mUo H•$Vr H$È :

H$. godmßMr dÒV•V _mhVr XoD$ d H$er dmnamdr Vo gmßJy

I. Vw_¿m JaOmZwÈn n°go nmR>d mgmR>r H$moUVr godm gdm©V OmÒV moΩ Amho, Vo gmßJy

J. Q>o[a\$ eoS>Áyb ‡_mUo godmßgmR>r H$Vr ewÎH$ qH$dm H$_eZ ⁄mdo bmJob ho gmßJy.

8.11 maVmßJ©V n°go nmR>dUo


29

K. _mo~mB©b ~±qH$J / EZB©E\$Q>r / AmaQ>rOrEg ¤mao nmR>dboÎm n°emMr pÒWVr H$m Amho ho EgE_Eg

/ B©-_ob ¤mao H$idy.

L>>. EZB©E\$Q>r / AmaQ>rOrEg / S>OQ>b ~±qH$J Ïdhmamer gß~ßYV Vw_Mo ‡ÌZ / Mm°H$er

hmVmiUmËm Am_¿m JmhH$ gwdYm H|$–mer gßnH©$ gmY mgmR>r A⁄mdV _mhVr do~gmB©Q>da

XoD$.

M. H$moUVmhr dbß~ PmÎmg AmÂhr Am_¿m anmB© YmoaUmZwgma VwÂhmbm PmboÎm dbß~mgmR>r AmU

VwÂhmbm PmboÎm ZwH$gmZmgmR>r/AV[a∫$ IMm©gmR>r anmB© XoD$.

N>. R>amdH$ _m©Xon™V n°go nmR>d mMr gwdYm AmÂhr ImVoXma ZgboÎm ~±Ho$V oUmËm H$moUÀmhr

JmhH$mbm XoD$.

H$. H$O© AmU AJ_ Xo mgmR>r Am_¿m _ßS>imZo pÒdH•$V Ho$bobo YmoaU R>adbobo Agob.

I. Vw_Mr AmW©H$ pÒWVr d naV\o$S>r¿m j_Vm mßMo H$miOrnyd©H$ ZYm©aU H$Í$Z Àm AmYmamda

VwÂhmbm H$O© Xo mMm ZU© R>ady.

J. H$O© Xo m¿m ~m~VrV AmÂhr qbJ, OmV AmU Y_m©¿m AmYmamda oX H$aUma Zmhr. VWmn,

g_mOm¿m R>amdH$ dJm©gmR>r (dH$mg) moOZm Vma H$a mnmgyZ qH$dm ÀmV mJ Ko mnmgyZ m

JmoÔ>r AmÂhmbm namd•Œm H$aUma ZmhrV.

AmÂhr ho H$È :

H$. VwÂhr KoVboÎm H$O© gßMmbV H$aUmËm AÀßV _hÀdm¿m AQ>r d eVu (E_AmQ>rgr) VwÂhmbm

XoD$.

I. AO© H$aVmZm AmU H$O© / Ho$S>Q> H$mS>© _ßOyar~m~V H$idVmZm AmÂhr VwÂhmbm Am_¿m H$O© AmU

Ho$S>Q> H$mS>© CÀnmXZmßMr ‡_wI d°eÓQ>Áo g_OmdyZ gmßJUmar _mhVr XoD$ O¿m_‹o bmJy ewÎHo$

AmU AmH$ma m g_mdÔ> AgVrb.

J. AO© H$a mgmR>r Vw_¿mH$Sy>Z AmÂhmbm H$mXoea VaVyXtMr nyV©Vm H$a mgmR>r bmJUmar _mhVr

/ H$mJXnÃ mßMr _mhVr XoD$. Vw_Mr AmoiI, amh mMm nŒmm d ZmoH$ar B. m gßXm©V bmJUmao

H$mJXnÃ d gßd°YmZH$ ‡mYH$aUmßgmR>r H$mXoera d Zm_H$ JaOoZwgma bmJUmao BVa H$mJXnÃ

8.12 H$O©

8.12.1 H$O©

8.12.1.1 gm_m› _mhVr

30

Ogo n∞Z (PAN) Mr _mhVr AmÂhr VwÂhmbm XoD$.

K. VwÂhr H$O©/Ho$S>Q> H$mS>© AOm©_‹o CÑ oI Ho$boÎm VnebmßMr nS>VmiUr H$Í$, mgmR>r AmÂhmbm

AmdÌH$ dmQ>Îmg Vw_¿m ZdmgÒWmZr AmU/qH$dm Vw_¿m Ïdgmm¿m Xa‹dZr H$_mßH$mßda

AmU/qH$dm A› nm© r _m‹_mßVyZ Vw_¿mer gßnH©$ gmYy AmU/qH$dm ‡Àj ZdmgÒWmZmg

AmU/qH$dm Ïdgmm¿m nŒmßda m hoVwH$[aVm Zw∫$ gßÒWmß_m\©$V oQ> XoD$.

L>. Oa AmÂhr VwÂhmbm AmoÏhaS¥>m‚Q> XoD$ Ho$bm, qH$dm Vw_Mr d⁄_mZ AmoÏhaS¥>m‚Q> _m©Xm dmT>dbr, Va

AmÂhr VwÂhmbm gmßJy H$s Vw_¿m AmoÏhaS¥>m‚Q>Mr naV\o$S> hr _mJUrZwgma H$amMr Amho qH$dm H$go

Vo. AmÂhr, AmdÌH$ AgÎmg, AmoÏhaS¥>m‚Q> _YyZ H$mT>boÎm aH$_oMr JUZm H$a m¿m AmU

ÏmO VgoM XßS>mÀ_H$ ÏmO JUZo¿m n’Vr~‘b g_OmdyZ XoD$.

M. Oa AmÂhr Xa‹dZrdÍ$Z Ho$S>Q> H$mS>© gwdYm XoD$ Ho$br/gß_V Ho$br, Va OoÏhm Vw_¿mH$Sy>Z

Àm~m~V boIr qH$dm EgE_Eg/B©_ob mßgmaªm BVa _m‹_mßVyZ ÒdrH$ma oB©b, VoÏhmM AmÂhr

Vw_¿m ImÀm_‹o Vr a∏$_ Ho$S>Q> H$Í$, AmU Oa Vw_Mr AZw_Vr AY‡_mUV Bboä Q¥>m∞ZH$

_m‹_mßVyZ _idbobr Agob, Va AmÂhr AmYr AmdÌH$ dYJmVm H$Í$.

N>. Ho$S>Q> H$mS>©Mr _m©Xm dmT>dyZ XoUo d Ïpä VJV H$Om©Mr _m©Xm dmT>dUo B. gh H$moUÀmhr ÒdÍ$nmV

Z _mJVbobo nyd©gÂ_V Ho$S>Q> gwdYm XoUma Zmhr.

H$. H$O© XoVmZm, AmÂhr H$O© AOm©Mm mJ ÂhUyZ Àm¿m ~amo~a bmJy hmoUmao ÏmOXa, dmf©H$ ÏmO

Xamgh, VaßJVo (~XbVo) Xa qH$dm R>abobo (ZpÌMV) ÏmOXa, VgoM H$O© ‡H$ogmR>r Xo ewÎH$

/ AmH$ma, Oa H$O© gß_V Pmbo Zmhr / Xbo Zmhr Va ho ewÎH$ naV _iob H$m, H$Om©Mr AJmoXa

naV\o$S> H$a mMr gwdYm d AgÎmg ÀmMr AmH$maUr hr gd© _mhVr XoD$. ÀmM~amo~a

naV\o$S>rg dbß~ PmÎmg Àmda AgÎmg XßS>mÀ_H$ AmH$maUr, Vw_Mo H$O© Zä H$s Ho$boÎm

ÏmOXamVyZ VaßJÀm ÏmOXamV qH$dm CbQ> ~XbmMo AgÎmg, Oa AgVrb Va bmJy hmoUmao

AmH$ma, qH$dm BVa ~m~r H$s ¡m_wio H$O©Xmam¿m ÏmOmda n[aUm_ hmoV Agob mMr _mhVr Xody.

¡m_wio VwÂhmbm BVa ~±H$m¿m ÏmOXamer VwbZm H$aVm ody eHo$b d moΩ ZU© KoVm oB©b.

I. AO© nyU©nUo a m¿m —Ô>rZo OmoS>mdm¿m AmdÌH$ H$mJXnÃmßMr (H$mXoera d Zm_H$

AmdÌH$V) mXr AOm© ~amo~a XoD$. JaO nS>Îmg AO© a mg _XV H$È.

J. Oar VwÂhr AO© ‡Àj qH$dm Am∞ZbmB©Z gmXa Ho$bm Agbm Var AmÂhr Vw_¿m H$Om©gmR>r Ho$boÎm

AOm©Mr nmoMnmdVr Zä H$sM XoD$. Vw_¿m AOm©da H$Vr H$mbmdY_‹o ZU© KoVbm OmB©b ho

VwÂhmbm H$id mMm ‡ÀZ H$È.

8.12.1.2 H$Om©gmR>r AO© d ÀmMr ‡H$m


31

K. Vw_Mm AO© gdm™JmZo nyU© Agob AmU "MoH$ bÒQ>' _‹o Z_yX Ho$boÎm gd© H$mJXnÃmßgh gwnyX©

Ho$bobm Agob, Va AmÂhr Vw_¿m H$Om©¿m AOm©darb Am_Mm ZU© Am_¿m Mmby YmoaUmZwgma

H$idy, Oo do~gmB©Q>da Cnb„Y Agob.

L>. ghgm H$Om©gmR>r AO© KoVmZmM H$O© ‡H$ogmR>r AmdÌH$ Vr _mhVr AmÂhr KoVmo. Oa AmUIr

H$mhr _mhVr bmJbr Va AmÂhr Vw_¿mer Vm~S>Vmo~ gßnH©$ gmYy.

M. AmÂhr Vw_¿m H$Om©Mm AO© \o$Q>miÎmMo H$maU (H$maUo) boIr H$idy. AmÂhr ho nÃm_m\©$V qH$dm

B©_ob_m\©$V H$idy eH$Vmo, ¡m_‹o H$Om©¿m AOm©Mr \o$Q>miUr H$a mMo H$maU (H$maUo) Z_yX

Ho$bobo Agob.

N>. AmÂhr VwÂhmbm H$O© _ßOya PmÎmMo nÃ XoD$, ¡mV VwÂhmbm _ßOya Pmbobr H$Om©Mr aä H$_, AQ>r d

eVu mßMr _mhVr Xbobr Agob.

O. AmÂhr VwÂhmbm H$O©\o$S>rMr VaVyX Agbobo eoS>Áwb (H$O© KoVÎm¿m H$mbmdYr_Yrb _yi aä H$_

d ÏmOm¿m naV\o$S>rMo eoS>Áwb) XoD$.

P. OoÏhm ÏmOXa ~XbVrb Àmdoir g_H•$V _mgH$ h·oM Mmby R>odyZ H$mbmdYr dmT>d mMm qH$dm

CbQ> H$a mMm dH$În Amho H$m ho AmÂhr VwÂhmbm gmßJy.

Ã. AmÂhr Vw_¿m dZßVrZwgma, VwÂhr XmIb Ho$boÎm gd© H$O© H$mJXnÃmß¿m AY‡_mUV ‡Vr

Am_¿m IMm©Zo nwady, ¡mß~amo~a H$O© nÃm_‹o C’•V Ho$boÎm gd© AZwbæH$mßMr ‡ÀoH$s EH$ ‡V

gßdVaU ÒdmJV H$Q>Mm EH$ mJ ÂhUyZ XoD$. naßVw, AV[a∫$ AY‡_mUV ‡VtgmR>r Am_¿m

‡ewÎH$mßZwgma dmOdr ewÎHo$ AmH$mabr OmVrb.

Q>. H$Om©gmR>r Vw_¿m H$Sy>Z KoVboÎm ‡ÀoH$ VmaU / AmZwfßJH$ VmaU ÂhUyZ KoVboÎm _mb_ŒmoMr

boIr nmdVr XoD$.

R>. Vw_Mo ImVo AZwnmo¡ _Œmm (EZnrE) hmo mnydu ÀmMr pÒWVr VwÂhmbm nÃ / B©-_ob qH$dm

EgE_Eg Zo H$id mMm ‡ÀZ H$È.

S>. Oa AmÂhr H$amamZwgma H$O© naV Ko mgmR>r qH$dm ama no_|Q> H$a mMm qH$dm AV[aä V gwajm

Ko mMm ZU© KoVbm, Va VwÂhmbm AmJmD$ gyMZm XoD$.

T>. Vw_¿m _wXV / S>_mßS> H$O© ImÀmMo dmf©H$ ÒQ>oQ>_|Q> nmR>dy.

U. ‡ewÎH$ AZwgyMr (Q>o[a\$ eoS>Áwb) _‹o XÎm‡_mUo ewÎH$ bmdyZ, VwÂhmbm H$Om©Mr dmf©H$

ÒQ>oQ≤>_|Q≤>g EH$m nojm AYH$ doim hdr AgÎmg Xody.

V. VwÂhr _m› Ho$boÎm qH$dm H$amamZwgma¿m gd© XmÀdmßMr naV\o$S> Ho$ÎmZßVa 15 H$m_H$mOm¿m

32


Xdgmß¿m AmV AmÂhr VwÂhmbm JhmU _mb_Œmo¿m gd© ‡VyVr/XÒVEodO/erf©H$mYH$ma dboI

naV H$Í$ AmU Am_¿m mamMo g_mYmZ PmÎm~‘b maVr H|$–r ‡VyVr _Œmm nwZ~m™YUr

AmU ‡VyVr hV Z~ßYZr (grB©AmaEgEAm), mßZm Ahdmb XoD$. Oa BVa H$moUÀmhr

XmÏmgmR>r dOmdQ>rMm h∏$ ~OmdmMm AgÎmg, AmÂhr BVa XmÏmß~‘b nyU© VnebmßgH$Q> bmJy

gyMZm XoD$ AmU gß~ßYV XmÏmMr heo~nyVu hmoB©n™V/aUm hmoB©n™V JhmU _mb_Œmo¿m gd©

‡VyVr/XÒVEodO/erf©H$mYH$ma Am_¿mOdi amIyZ R>ody.

W. _m› Ho$boÎm qH$dm H$amamZwgma¿m gd© XmÀdmßMr naV\o$S> Ho$ÎmZßVa 15 H$m_H$mOm¿m

Xdgmß¿m AmV AmÂhr VwÂhmbm JhmU _mb_Œmo¿m gd© ‡VyVr/XÒVEodO/erf©H$mYH$ma dboI

naV H$a mg qH$dm Am_¿m mamMo g_mYmZ PmÎm~‘b grB©AmaEgEAmbm _mhVr Xo mg

H$moUVmhr dbß~ Pmbm Va Am_¿m anmB© YmoaUmZwgma AmÂhr VwÂhmbm anmB© XoD$.

X. VwÂhr AmÂhmbm H$O© KoVmZm Xbobo ‡VyVr/XÒVEodO/erf©H$mYH$ma dboI AmÂhr hadÎmg,

AmÂhr Àm ZwH$gmZm~‘b VwÂhmbm anmB© XoD$. AmÂhr gXa ‡VyVr/XÒVEodO/erf©H$mYH$ma

dboI hadÎmMo ZXeV H$aUmao ‡_mUnÃ ZJ©_V H$Í$ AmU Am_¿m IMm©Zo VwÂhmbm Sw>pflbHo$V

H$mJXnÃo _id mg gd©Vmonar _XV H$Í$.

Y. AmÂhr gm_m› H$m_H$mOm¿m ZÀÒdÍ$nmV Vw_¿m Ï∫$ gß_VrZo F$UH$mo ImÀmMo hÒVmßVaU

H$a m¿m Vw_¿m qH$dm ~±Ho$¿m/AW©gmhmÊ$ gßÒWo¿m dZßVrda ‡H$m H$Í$, AmU dZßVr

_imÎmnmgyZ XmoZ AmR>dS>Ámß¿m AmV Am_Mr gh_Vr qH$dm A› ZU© VwÂhmbm H$idy.

Z. VwÂhmbm (Vw_¿m d° ∫$H$ nmVirda) Mb Xam_‹o _ßOya PmboÎm gd© _wXVr¿m H$Om™gmR>r Vr

VwÂhr ÒdV:¿m n°emßVyZ \o$S>brV qH$dm XgËm ~±Ho$Zo Vm~m KoVbm Var nwamo~ßY ewÎHo$/_wXVnyd©

naV\o$S> XßS> AmH$maUma Zmhr.

n. OWo H$moUÀmhr Aß_bmV AgboÎm gdbVr¿m qH$dm AW©gmhmÊm¿m moOZoAßVJ©V H$O© Ko mMr

nmÃVm Agob VWo AmÂhr VwÂhmbm Aem moOZoMr d°eÓQ>Áo AmU H$moUÀm AmdÌH$VmßMr nyV©Vm

H$amMr Amho Vo g_OmdyZ XoD$.

H$. Vw_¿m Xo VogmR>r VgËm njmH$Sy>Z h_r qH$dm BVa gwajm AmÂhr ÒdrH$mamdr Ago VwÂhmbm dmQ>V

Agob Va, Vw_¿m dŒmm ~‘bMr Jw· _mhVr VwÂhmbm h_r qH$dm BVa VmaU XoUmËm Ïpä Vbm qH$dm

Àmß¿m H$mXo gÎbmJmambm Xo mgmR>r AmÂhr Vw_Mr nadmZJr _mJy.

I.AmÂhr hohr H$È :

i. ÀmßZr ÒdVßÃ H$mXoera gÎbm ømdm d ÀmßZr ÀmßMr ~mßYbH$s AmU Àmß¿m ZU© mMm hmoD$

8.13 h_r

33

eH$Umam naUm_ g_OyZ ømdm mgmR>r ÀmßZm CX≤ wä V H$È. (VoWo moΩ Agob, ¡m

H$mJXnÃmßda AmÂhr ÀmßMr ghr KoD$ Àmda ÒnÔ> d CKS> gyMZm XoD$Z ÀmMr e\$mag

Ho$bobr Agob).

ii. ÀmßZm hr _mhVr XoD$ H$s h_r XÎm_wio qH$dm BVa VmaU XÎm_wio Vw_¿m EodOr qH$dm

Vw_¿m BVHo$M Vohr Àm H$Om©bm O~m~Xma amhVrb.

iii. ÀmßMo XmÀd / O~m~Xmar H$m Agob ÀmMr _mhVr ÀmßZm XoD$.

iv. _ßOya PmboÎm H$Om©¿m AQ>r d eVu / H$O© H$amaZm_m Vw_¿m H$Om©gmR>r amhboÎm

h_rXmamßZm dZm_yÎ XoD$.

J. VwÂhr OoÏhm EIm⁄m H$Om©gmR>r Om_rZXma (J∞a|Q>a) amhUma Agmb Va AmÂhr VwÂhmbm Imbrb

‡_mUo _mhVr Xody :

i. Om_rZXma ÂhUyZ Vw_Mo XmÀd

ii. VwÂhr ~±Ho$bm H$Vr aH$_o¿m XmÀdmgmR>r ~mßYb AmhmV.

iii. H$moUÀm n[apÒWVrV AmÂhr VwÂhmbm n°go ambm gmßJy.

iv. Oa Om_rZXma ÂhUyZ VwÂhr n°go XoD$ eH$bm ZmhrV Va AmÂhr Vw_¿m BVa n°emßMm Adbß~ /

dmna H$È eH$Vmo H$m ?

v. Om_rZXma ÂhUyZ Vw_Mo XmÀd R>amdH$ _m©Xon™V Amho H$s A_m©XV Amho.

vi. Om_rZXma ÂhUyZ H$Yr d H$moUÀm n[apÒWVrV d H$em n’VrZo Vw_Mo XmÀd nma nmS>mdo

bmJob ho AmÂhr VwÂhmbm H$idy.

vii. ¡m H$O©XmamgmR>r VwÂhr Om_rZXma amhbm AmhmV, Àm¿m AmW©H$ pÒWVr_‹o ‡VHw$b

\$aH$ nS>bm Va ÀmMr _mhVr VwÂhmbm XoV amh.

K. _m› / H$ama Ho$Îm‡_mUo naV\o$S> PmÎmda 15 Xdgmß¿m AmV Vw_¿m gd© ‡VyV /

H$mJXnÃ / JhmU R>odboÎm gßnŒmrMo XÒVmdoO VwÂhmbm naV XoD$.

L>. _m› / H$ama Ho$Îm‡_mUo naV\o$S> PmÎmda Vw_¿m gd© ‡VyV / H$mJXnÃ / JhmU R>odboÎm

gßnŒmrMo XÒVmdoO VwÂhmbm naV Xo mg 15 Xdgmßnojm OmÒV dbß~ PmÎmg AmÂhr VwÂhmbm

ZwH$gmZ anmB© XoD$.

M. ‡VyV / H$mJXnÃ Am_¿mH$Sy>Z hadbo Va AmÂhr VwÂhmbm Àm~‘b ZwH$gmZanmB© XoD$ d Vo

hadÎm~‘b ‡_mUnÃ XoD$. ÀmßMr ‡Vbn _idyZ Xo mgmR>r nyU©nUo _XV H$È.

34


8.14maVr H|$–r ‡VyVr _Œmm nwZ~m™YUr AmU ‡VyVr hV Z~ßYZr (grB©AmaEgEAm)

8.15Xo amerMm hemo~ nyU© H$aUo (goQ>ob_|Q> Am∞\$ S>ÁyO)

8.16H$O© d H$mS>m©¿m Xo VoMo ‡VyVH$aU

OoÏhm VwÂhr ÒWmda _mb_Œmm AmU/qH$dm OßJ_ _mb_Œmm ‡_wI qH$dm gmßnmpÌd©H$ ‡VyVr ÒdÍ$nmV R>odyZ

H$O© _idVm, VoÏhm AmÂhr VwÂhmbm grB©AmaEgEAm¿m H$mm©~‘b AmU Àmß¿mH$S>rb AboI

H$moUVmhr H$O©XmVm qH$dm _mb_Œmm/_Œmmßer Ïdhma H$Í$ Bp¿N>Umar H$moUVrhr Ï∫$s emoYy eHo$b ho

g_OmdyZ gmßJy. AmÂhr Am_¿m mam~‘b grB©AmaEgEAmbm H$idy.

H$. OoÏhm VwÂhmbm doioda ‡XmZ H$aUo eä Zgob Va eä VodT>Ám bdH$a AmÂhmbm H$idm.

I. IamoIa AmW©H$ g_Òm AgboÎm gd© ‡H$aUmßMm AmÂhr Zm_H$ _mJ©Xe©H$ VÀdo AmU Am_Mo

YmoaU mßZm AZwgÍ$Z ghmZy wVrnyd©H$ d gH$mamÀ_H$VoZo dMma H$È.

J. VwÂhmbm gßH$Q>mVyZ ~mhoa nS> mgmR>r AmÂhr _XV H$a mMm ‡ÀZ H$È.

K. Xo aH$_oMr naV\o$S> H$a mgmR>r AmÂhr VwÂhmbm EH$XmM hemo~ nyU© H$a mMr (AmoQ>rEg) moOZm

Xbr, Va ÀmMr dÒV•V _mhVr XoD$.

L>. VwÂhmbm XoD$ Ho$boÎm AmoQ>rEg¿m AQ>r d eVu ÒnÓ H$Í$Z gmßJy.

M. AmoQ>rEg Imbr hemo~ MwH$Vm Ho$bmV Va grAmgr _‹o AgboÎm Vw_¿m Ho$S>Q> ddaUmda H$m

n[aUm_ hmoB©b Vo gmßJy.

H$.Oa AmÂhr Vw_Mr H$O/Vw_¿m H$mS>©darb XmÀdo XgËm gßÒWog ‡VyV Ho$br (dH$br), Va

AmÂhr Aem gßÒWoMo Zmd AmU gßnH©$ Vnerb H$idy AmU VgoM Àmß¿mH$S>o hÒVmßV[aV Ho$bobr

Vw_¿m H$Om©Mr/XmÀdmMr a∏$_hr gmßJy. gm_m› H$m_H$mOm¿m ZÀH$_m_‹o, AZwnmo¡ _Œmm

(EZnrE) AgUmar H$O/Ho$S>Q> H$mS>© XmÀdo _mb_Œmm nwZ~m™YUr Hß$nZrbm (EAmagr)

AZw∫$s_m\©$V dH$ mMm dMma Ho$bm OmVmo. Oa XmÀdo VS>OmoS> H$Í$Z heo~nyVu Ho$br, Va

Aem _Œmm EAmagrH$S>o AZw∫$ hmoV ZmhrV.

I. ¡m Hß$nZrbm Vw_Mo H$O© / Xo Vm gmondbr AgVrb VoWo VwÂhmbm Vw_Mr Xo aä H$_ amdr bmJob.

J. ¡m Hß$nZrH$S>o Vw_Mo H$O© / Xo Vm gmondbr (AßV[aV) AgVrb Vr Hß$nZr mnwT>o Vw_¿m CYma /

H$Om©Mr (Ho$S>Q>) _mhVr Ho$S>Q> Bß\$m∞_eZ Hß$nZrbm H$idV amhrb.

K. Am_¿mH$Sy>Z Vw_Mo H$O© Xo Vm ¡m Hß$nZrH$S>o gmondbr (AßV[aV Ho$br) AgVrb, Àmß¿m dÈ’

Vw_Mr H$mhr VH$ma Agob, Va ÀmMo ZdmaU H$a mV _XV H$a mMm AmÂhr ‡ÀZ H$È.

L>.> ¡m gßÒWoH$S>o Vw_Mo H$O©/XmÀdo AmÂhr hÒVmßV[aV Ho$bo Agob, Àm gßÒWo~‘b¿m gd©

35

VH$mat¿m ZdmaUmgmR>r, AmÂhr H|$–r ‡mYH$aU amh. AmÂhr m VH$mar Am_¿m damoYmV AmhoV

Ago _mZyZ Mmby AmU ÀmßMo Àd[aV ZamH$aU hmoB©b mMr ImÃr H$Í$.

AmÂhr gwajV AmU gßajV BßQ>aZoQ> AmU _mo~mB©b ~±qH$J nwad mgmR>r moΩ Àm CnmmoOZm am~dy.

AmÂhr ImÃr H$Í$ H$s Am_¿m ßÃUm AmU VßÃkmZ gwajV AmU gßajV AmhoV AmU H$mbm°KmV ÀmßMm

AmT>mdm KoD$ d Àm A⁄mdV H$aV amh.

H$.AmÂhr OmoI_r H$_r H$a mgmR>r AmU AZYH•$V ÏdhmamßVyZ CÿdUmËm XmÀdmßnmgyZ JmhH$mßMo

ajU H$a mgmR>r ~iH$Q> AmU gdm™JH$ Aer \$gdUyH$ ‡V~ßY AmU ZXmZ ßÃUm am~dy.

I.VwÂhmbm BßQ>aZoQ>/_mo~mB©b ~±qH$J gwajo~m~V AmU no_|Q> gß~ßYV \$gdUyH$ Q>miUo eH$d mgmR>r

AmÂhr m _mJm™Zr ddY CnH$_ am~dy :

i. Am_¿m do~gmB©Q>da gß~ßYV _mhVr ‡Xe©V H$aUo

ii. EQ>rE_ AmU emIm mßgmaªm JmhH$ oQ> XoUmËm OmJr _mhVr ‡Xe©V H$aUo.

iii. Z_V H$mbmßVamZo e°jUH$ B©_oÎg

J. OoÏhm VwÂhr BßQ>aZoQ>/_mo~mB©b ~±qH$J godm _idVm, VoÏhm AmÂhr VwÂhmbm Aem godmßZm bmJy hmoUmËm

Z_ d AQ>t~‘bhr H$idy. gd© BßQ>aZoQ>/_mo~mB©b ~±qH$J gß~ßYV godm AmU gß~ßYV ewÎHo$, Oa

AgVrb Va, Am_¿m do~gmB©Q>da ‡Xe©V hmoVrb AmU VwÂhmbm Cnb„Y H$Í$Z Xbr OmVrb.

K. Vw_Mr Am∞ZbmB©Z _mhVr gwajV H$a mgmR>r AmU Hß$flwQ>a/_mo~mB©b dmnaVmZm \$gdUwH$snmgyZ,

ImoQ>Ám qH$dm AZYH•$V ÏdhmamßnmgyZ ÒdV:Mo ajU H$go H$amdo m~‘b AmdÌH$ Vr _mhVr Hw$R>o

emoYmMr ho XoIrb AmÂhr VwÂhmbm H$idy. hr _mhVr doimodoir A⁄mdV hmoV amhrb.

L>.AmÂhr dŒmr ÏdhmamßgmR>r WmmoΩ AY‡_mUZ ‡H$m am~dy, ¡m Zm_H$mZo doimodoir dhV

Ho$boÎm AgVrb.

M. VwÂhr Ho$boÎm gd© ‡H$ma¿m ÏdhmamßgmR>r AmÂhr VwÂhmbm EgE_Eg/Am∞ZbmB©Z B©_ob AbQ>©

nmR>dy, _J a∏$_ H$moUVrhr Agbr Varhr. ho AbQ>©≤g VwÂhr Am_¿mH$S>o Zm|XdboÎm gßnH©$

Vnebmßda nmR>dbo OmVrb.

N>.AmÂhr gd© Am∞ZbmB©Z AZwnpÒWV ÏdhmamßgmR>r VgoM AmÏhrAma ÏdhmamßgmR>r H$mS>m™da

ZgboÎm _mhVrda AmYm[aV AV[a∫$ KQ>H$ AY‡_mUZ/dYJmVm H$a mgmR>r dMmaUm H$Í$.

8.17 Bboä Q¥>m∞ZH$ AmU S>OQ>b ~±qH$J

8.17.1 BßQ>aZoQ> AmU _mo~mB©b ~±qH$J

36


O.ZoQ>~±qH$Jda Ho$boÎm gd© AmXmVm/~ba Zm|XUr ~‘b EgE_Eg/B©_ob nmR>dy.

P.Oa AmÂhr VwÂhmbm Bboä Q¥>m∞ZH$ n’VrZo hmoUmËm ÏdhmamßH$[aVm _yÎmda, Ïdhmam¿m n’Vrda,

Ïdhma gßªoda AmU bmmWvda X°ZßXZ _m©Xm Kmb mMr gwdYm XoD$ Ho$br, Va VwÂhr nm©

~Xbmb VoÏhm AmÂhmbm AV[a∫$ AYÒdrH•$Vr bmJob. AmÂhmbm nm© mV ~Xb H$a mMr dZßVr

AmÎmda AmÂhr VwÂhmbm AbQ>© nmR>dy.

ƒm._mo~mB©b ~±qH$J godm hr ZoQ>dH©$nmgyZ ÒdVßÃ Amho, ÂhUOoM, H$moUÀmhr ZoQ>dH©$ n[aMmbH$mMo

_mo~mB©b \$moZ dmnaUmao JmhH$ EH$m ~±Ho$Vrb ImÀm_Yrb ZYr ÀmM qH$dm XgËm H$moUÀmhr

~±Ho$_Yrb ImÀm_‹o hÒVmßV[aV H$Í$ eH$VmV.

Q>. Oa VwÂhr _mo~mB©b ~±qH$J godm ZdS>ÎmV, Va AmÂhr Vw_Mr godo_‹o Zm|XUr hmo mAJmoXa VwÂhmbm

m~‘b H$idy :

i. dmnaH$ar AY‡_mUZmgmR>r AmÂhr ÒdrH$mabobr gwajm ‡H$m;

ii. JmhH$m¿m Zm|XUrnmgyZ godm gH$ hmoB©n™V bmJUmam AdYr;

iii. no_|Q> Wmß~d m¿m gyMZm Hw$R>o bmJy hmoVmV qH$dm Àmgß~ßYV BVa H$mhr AmU Àmß¿m, Oa

AgVrb Va, ÒdrH•$VrgmR>r¿m Z_ d AQ>r.

R>. VwÂhr EQ>rE_, do~gmB©Q>, \$moZ ~±qH$J, AmÏhrAma, EgE_Eg, B. AZoH$ _m‹_mß_m\©$V _mo~mB©b

~±qH$J godmß¿m Zm|XUrH$[aVm AO© H$Í$ eH$Vm. VwÂhr ÀmgmR>r emIo_‹o oUo AmdÌH$ Zmhr.

S>. _mo~mB©b ~±qH$J Ïdhma nyU©V: VÀjUH$ AgVmV AmU CbQ> \$adVm oV ZmhrV. Àm_wio no_|Q>

Wmß~d mMo deofmYH$ma Iyn _m©XV AgVmV.

T>. VwÂhr H$moUÀmhr doir BßQ>aZoQ>/_mo~mB©b ~±qH$J godm KoUo Wmß~dy eH$Vm. naßVw, VwÂhr Vw_Mm ZU©

AmÂhmbm H$idmbm hdm AmU VwÂhr AmdÌH$ Vr Am°nMm[aH$Vm nyU© H$amb mMr ImÃr H$ambm

hdr.

U. VwÂhmbm Ï∫$e: Z _imboÎm nmgdS>© qH$dm gwajmdfH$ _mhVr ~m~V H$mhr dmX PmÎmg,

AmÂhr Ho$di VwÂhmbm Vw_¿m moΩ Zm|XUrH•$V nŒmda nmR>dUr Ho$Îm¿m nwamÏmda Vo VwÂhr

_idbo AgÎmMm nwamdm _mZUma Zmhr.

V. Omoda VwÂhr WmmoΩ AmU gmonr I~aXmar KoV amhVm Vmoda Am∞ZbmB©Z ~±qH$J gwajV AmU

gmo rMo Amho. H•$nm Imbr XboÎm gÎÎmßMo nmbZ H$amb mMr ImÃr H$am :

i. Am_¿m BßQ>aZoQ> ~±qH$J gmB©Q>bm WoQ> oQ> ⁄m. Am_¿m gmB©Q>da XgËm gmB©Q>darb qH$dm

37

B©_ob_Yrb qbH$dÍ$Z oUo Q>mim AmU ImoQ>Ám do~gmB©Q> Q>mi mgmR>r S>mo_oZMo Zmd ZrQ>

VnmgyZ nmhm.

ii. Vw_Mo gÃ nyU© PmÎmZßVa BßQ>aZoQ> ~±qH$J_YyZ bm∞J AmD$Q> H$am. gÃ ~ßX hmo mgmR>r "bm∞J

AmD$Q>' ho ~Q>U dmnam. bm∞J Am∞\$ H$a mgmR>r ZwgVr qdS>mo ~ßX H$Í$ ZH$m.

iii. dmnamV ZgVmZm Vw_Mm nrgr bm∞J Am∞\$ H$am.

iv. d_mZVio, aoÎdo ÒWmZHo$, gm~a H∞$\o$ qH$dm BVa gmd©OZH$ ZoQ>dH©$/dm-\$m B. gmaªm

AgwajV ZoQ>dä g© dÍ$Z BßQ>aZoQ> ~±qH$J H$aUo Q>mim.

v. Vw_Mm Hß$flwQ>a/b∞nQ>m∞n_‹o Vw_¿m ~mD$PaMr (BßQ>aZoQ> Eä gflbmoaa, JyJb H$mo_, B.) ZdrZ

Amd•Œmr KoV amhm.

vi. h∞H$g©, Ïhmag hÑ o qH$dm H$moUÀmhr dmB©Q> ‡moJ∞ÂgnmgyZ gwajV amh mgmR>r gä w[aQ>r

‡moJ∞Âg B›ÒQ>m∞b H$am. Z_VnUo Vw_Mm gä w[aQ>r ‡moJ∞_ qH$dm A±Q>Ïhmag A⁄mdV H$aV

amhm.

vii. Vw_¿m S>ÏhmBg/b∞nQ>m∞n/_mo~mB©b, B. Mo AmU ÀmVrb _OHw$amMo ~mhoa¿mßnmgyZ ajU

H$a mgmR>r gwgßJV \$madm∞b B›ÒQ>m∞b H$am.

viii. Vw_¿m Am∞naoqQ>J gÒQ>r_darb "\$mBb A±S> q‡qQ>J eoA[a®J' ZÓH$s H$am.

ix. Bboä Q¥>m∞ZH$ AmW©H$ Ïdhma/BßQ>aZoQ> ~±qH$J H$aVmZm eä Vmo Ïh¿w©Ab H$sn∞S> dmnam.

W. BßQ>aZoQ> ~±qH$J dmnaVmZm Vw_¿mdarb ~ßYZmßÏV[a∫$, VwÂhmbm ~±qH$J godm _id mgmR>r _mo~mB©b

A∞pflbHo$eZ qH$dm Xgao H$moUVohr g_mO$_m‹_mMo dmnaVmZm OmÒV H$miOr ømdr bmJob :

i. Vw_Mm S>ÏhmBg Xb©jV AmU _mo~mB©b ~±qH$J godo_‹o bm∞JZ H$Í$Z R>odbobm amh XoD$ ZH$m.

ii. Vw_¿m _mo~mB©b ~±qH$J godoMm AZYH•$V dmna Q>mi mgmR>r Vw_Mm S>ÏhmBg bm∞H$ H$am.

iii. Vw_Mm S>ÏhmBg hadbm qH$dm Mmoarbm Jobm Va eä VVä m bdH$a AmÂhmbm H$idm.

iv. Zdr Amd•Œmr/A⁄VZ AmÎmda Vw_Mo _mo~mB©b ~±qH$J A∞n A⁄mdV H$Í$Z øm.

v. Vw_¿m _mo~mB©bda gwajoMo Zdo n∞Mog Cnb„Y hmoVrb mMr ImÃr H$a mgmR>r Vw_¿m

_mo~mB©bMr Am∞naoqQ>J gÒQ>r_ A⁄mdV H$am.

vi. Vw_Mm _mo~mB©b \$moZ AYH•$V dHo$ÀmH$Sy>Z IaoXr H$am.

vii. Vw_¿m _mo~mB©bda S>mD$ZbmoS> Ho$bobr gd© A∞flg AÒgb AgÎmMr ImÃr H$Í$Z øm.

AdÌdmgmh© ÚmoVmßH$Sy>Z A∞flg S>mD$ZbmoS> H$Í$ ZH$m.

38

X. dmna H$Í$Z Pmbm H$s _mo~mB©b ~±qH$J A∞pflbHo$eZ_YyZ bm∞J AmD$Q> H$am. Vw_Mo ImVo AmU

ÏdhmamMm BVhmg Z_VnUo Vnmgm.

Y. Vw_Mr BßQ>aZoQ>/_mo~mB©b ~±qH$J gwajmdfH$ _mhVr H$moUmbmhr gmßJy ZH$m qH$dm Vw_Mm nmgdS>©

H$moUÀmhr B©_obbm XboÎm ‡ŒwVam_‹o XoD$ ZH$m (Oar Vmo B©_ob Am_¿m ~±Ho$H$Sy>Z Ambm

AgÎmMo dmQ>V Agbo Var). H•$nm mMr Mm°H$er H$a mgmR>r AmÂhmbm _mhVr ⁄m. Vw_Mo

Am∞ZbmB©Z ~±qH$J qH$dm no_|Q> H$mS>© nZ gmßJ mgmR>r, qH$dm Vw_¿m nmgdS>©Mr _mhVr Xo mgmR>r

nmobrg qH$dm AmÂhr H$Yrhr Vw_¿mer gßnH©$ gmYUma Zmhr.

Z. _mo~mB©b ~±qH$J¿m gwdYoVyZ CÿdUmËm JmhH$mß¿m VH$mar/JmËhmUr ~±qH$J bmoH$nmb (~rAmo)

moOZo¿m Z_ZmImbr oVmV.

H$.nmgdS>© ÂhUOo H$mhr AjamßMr Aer aMZm AgVo Or AY‡_mUZm¿m ‡H$oXaÂmZ dmnaH$ËmMr

AmoiI nS>Vmi mgmR>r dmnabr OmVo. gßdoXZerb _mhVr qH$dm _hŒdmMr _mhVr MwH$s¿m hmVmßV

nSy> Zo mgmR>r nmgdS>© _hŒdmMo AgVmV.

I.AmÂhr nZ AmU nmgdS>©Mo Z_©Vr, OVZ AmU Q>_©Zb gwajogmR>r AmßVaamÔ¥>r ÒVamda ÒdrH$mh©

_mZH$mßMo nmbZ H$Í$, ¡mmoJo Vw_¿m gßajUmgmR>r Àmß¿m Jw·VoMr AmU gwajoMr ImÃr hmoB©b.

J. Vw_Mr AmoiI ZrQ> nQ>ÎmZßVa AmÂhr Vw_Mm nZ EH$m _mohmoa~ßX b\$m‚m_‹o Am_¿m

AboIm_Yrb Zm|XUrH•$V nŒmda nmR>dy qH$dm Am_¿m emIoV nmR>dy. VwÂhr, Vw_¿m gmo rZwgma,

nZ Am∞ZbmB©Z/AmÏhrAmaEg _m\©$V qH$dm EQ>rE_ _m\©$Vgw’m Vma H$Í$ eH$Vm.

K. AmÂhr ImÃr H$Í$ H$s Vw_Mo AbH$S>Mo gßnH©$ Vnerb (_mo~mB©b H$_mßH$, B©_ob AmS>r AmU

b±S>bmB©Z H$_mßH$) ~±Ho$H$S>o Zm|XUrH•$V AmU A⁄mdV Ho$bobo AmhoV.

L>.Vw_Mo ImVo gwajV H$a mgmR>r, VwÂhr ge∫$ nZ/nmgdS>© ZdS>mbm hdm AmU Vmo Z_VnUo

~Xbmbm hdm.

nZ/nmgdS>© Vma H$a mgmR>r :

A.EImXm AdKS> nmgdS>© Vma H$a mgmR>r nwT>rb _mJ©Xe©H$ gyMZm dmnamÏmV :

• ghO emoYyZ H$mT>Vm oVrb Aer AmoiIrMr Zmdo dmnÍ$ ZH$m (ÒdV:, OmoS>rXma, _wbo, nmbH$,

nmird ‡mUr, BÀmXr)

8.17.2.1 nZ AmU nmgdS>©

8.17.2.2 Vw_¿m 'nZ' qH$dm nmgdS>©Mr H$miOr Ko mgmR>r VwÂhr nwT>rb gwajV n’V /

I~aXmËm AmÀ_gmV H$amÏmV.


39

• Vw_¿mdfrMr gm_m›V: _mhrV Agbobr Vœo dmnaUo Q>mim (N>ßX, O›_VmaIm, AmdS>rMo

Ioi, BÀmXr)

• e„XH$moem_‹o AmT>iUmao e„X dmnÍ$ ZH$m H$maU gm∞‚Q>do a ‡moJ∞Âg gß mÏ e„X emoYy

eH$VmV AmU nmgdS>© AmoiIy eH$VmV. ÀmCbQ> e„XH$moe hÎÎmg ‡V~ßY H$a mgmR>r

_w‘m_hZ MwH$s¿m ÒnoqbJ¿m e„XmßMr OwiUr H$am.

• H$_mZ ghm qH$dm OmÒV H∞$a∞ä Q>g©Mm dmna H$am. nmgdS>©_‹o OVH$s OmÒV H∞$a∞ä Q>g©

AgVrb VVH$m Vmo OmÒV gwajV AgVmo.

• EIm⁄m Ï∫$sbm / gm∞‚Q>do a ‡moJ∞_bm Vw_Mm nmgdS>© AmoiIVm oD$ Zo mH$aVm Vmo

AmUIr AdKS> H$a mgmR>r Ajao AmU AßH$ mß¿m gß moJmMm dmna H$am.

• nmgdS>© hS>Hy$Z H$mT>Uo H$R>U Ïhmdo mgmR>r deof H∞$a∞ä Q>g©Mr (@, #, %,$, B.) CnmoOZm

H$am.

• _moR>Ám AmU bhmZ bnr¿m gß moJmMm dmna H$am.

~. *nZ Vma H$a mgmR>r nwT>rb JmoÔ>tMm dmna H$Í$ ZH$m.

• O›_VmaIm, _hZm qH$dm df©;

• H$_mZo oUmËm gßªm (CXm. 3456);

• AßH$mßMr Aer OwiUr Or ghO AmoiIVm oB©b. (CXm. 1111);

• Vw_¿m Xa‹dZr H$_mßH$mVrb H$mhr mJ;

• Vw_¿m H$moUÀmhr H$mS>m©darb H$_mßH$mMm mJ ¡m H$_mZo N>mnbm Agob Àm H$_mZo;

• BVa ghOarÀm Cnb„Y Agbobr _mhVr (CXm. dmhZMmbH$ nadmZm, Vw_¿m dmhZmMm

H$_mßH$ qH$dm Vw_¿mer ghOnUo gß~ßYV BVa H$moUVmhr H$_mßH$)

*hr Ho$di EH$ CXmhaUmXmIb mXr AgyZ Vr gd™H$f Zmhr.

Vw_¿m ImÀm_YyZ AZYH•$V Ïdhma hmoUo Q>mi mH$[aVm I~aXmar :

ho H$Í$ ZH$m :

• Vw_Mo H$mS>©, nZ, nmgdS>© qH$dm BVa gwajVVm _mhVr BVa H$moUmbmhr dmna mg nadmZJr

40


XoUo.

• Vw_Mm nZ, nmgdS>© qH$dm BVa gwajVVm _mhVr bhZ R>odUo qH$dm aoH$m∞S>© H$Í$Z R>odUo.

• Vw_Mm nmgdS>© Vw_¿m ~mCPg©_‹o (Ogo BßQ>aZoQ> Eä ÒflbmoAaa, JyJb H$mo_, \$ma\$m∞ä g,

B.) qH$dm B-H$m∞_g© gmBQ≤>gda AmU _mo~mB©b h±S>goQ>_‹o ÒQ>moAa H$Í$Z R>odUo.

• Vw_¿m \$moZda Vw_Mm _mo~mB©b ~±qH$J bm∞J BZ AmU nmgdS>© goÏh H$Í$Z R>ody ZH$m.

• Vw_¿m ImÀm>Mm Vnerb, nmgdS>©/nZ/AmoQ>rnr qH$dm BVa gwajVVm _mhVr H$moUmbmhr

XoD$ ZH$m, mß_‹o ~±Ho$Mo AYH•$V ‡VZYr AgÎmMm Xmdm H$aUmËmßMmhr g_mdoe hmoVmo.

• Vw_¿m ~±H$ ImÀmer gß~ßYV AYH•$V _mhVr dMmaUmËm (BßQ>aZoQ> ~±qH$J nmgdS>©, EQ>rE_

nZ, grÏhrÏhr, H$mS>m©Mm _wXVnyVu XZmßH$. B.) Aem H$moUÀmhr gßXoemßZm ‡VgmX XoUo.

• H$moUVmhr gßXoe Oa Hw$R>brhr gwdYm ~ßX hmo mdfr Y_H$mdV Agob qH$dm EImXr

CÀHß$R>mdY©H$ Am∞\$a XoV Agob qH$dm BVa H$moUVohr H$maU XoV Agob Va Àmbm ‡VgmX

XoUo. nÃ, B©-_oÎg, _mo~mB©b \$moZ, EgE_Eg, B. mß¤mao AmboÎm Aem ‡H$ma¿m gd©

gßXoemßH$S>o Xb©j H$amdmg hdo.

• \$gÏm Am∞\$g©/ bm∞Q>ar/ H$mhr naXoer gßÒWm/Ï∫$s mß¿mH$Sy>Z naXoemVyZ dXoer

MbZm_‹o ÒdÒVmV n°go nmR>dUr mßgmaªm JmoÔ>tZm ~ir nS>Uo. mß_‹o Aem

gßÒWmßMo/Ï∫$s®Mo ‡VZYr ÂhUyZ mgdUmao maVr Zdmgr Agy eH$VmV.

Ago gßXoe ghgm EImXm _Ã, ~±H$ qH$dm BVa H$mXoera ÚmoVmH$Sy>Z AmÎmMo mgdyZ

VwÂhmbm H$mhr deÔ> do~gmB©Q>H$S>o ZXeV H$aVmV ¡m VwÂhmbm d° ∫$H$ _mhVr nwad mg

mJ nmS>VmV Ogo Vw_Mo wPa Zo_ AmU nmgdS>© qH$dm Ho$S>Q> H$mS>©gß~ßYr _mhVr.

• H$moUÀmhr gßemÒnX B©-_ob/EgE_Eg darb EIm⁄m qbH$da pä bH$ H$aUo AmU ¡m¿m

ÚmoVmda Vw_Mm dÌdmg Zgob Aem B©-_ob/EgE_Eg da Vw_Mr _mhVr XoUo.

• BVa H$moUmbmhr VwÂhr nrgr/_mo~mB©b h±S>goQ>da nmgdS>© EßQ>a H$aV AgVmZm Vmo ~Ky XoUo qH$dm

EQ>rE_ qH$dm nm∞BßQ> Am∞\$ gob (nrAmoEg) H$mCßQ>ada VwÂhr Vw_Mo H$mS>© dmnaV AgVmZm nZ

~Ky XoUo.

ho Zoh_r H$am:

• R>amdH$ H$mbmdYrZo - H$_mZ Xa 3 Vo 6 _h›mßZr Vw_Mm nZ/nmgdS>© ~Xbm. Vw_¿m

41

nydu¿m nmgdS>©Mr nwZamd•Œmr H$Í$ ZH$m.

• Vw_Mm nZ, nmgdS>© AmU BVa gwajVVm _mhVr bjmV R>odm AmU VwÂhmbm Ambobo H$moUVohr

bIV gßXoe ZÔ> H$am.

• Vw_Mo H$mS>© Vw_¿m ÒdV:¿m Vm„mV R>od mgmR>r nwaoer H$miOr øm AmU Vw_Mm nZ,

nmgdS>© AmU BVa gwajVVm _mhVr gd©H$mb Jw· R>odm.

• doJdoJm H$mS>m™H$[aVm AmU CnH$aUmßH$[aVm doJdoJio n›g qH$dm nmgdS>© dmnam.

• Vw_¿m H$m∞ÂflwQ>a/b∞nQ>m∞n/_mo~mB©b gmR>r nm∞da-Am∞Z/A∞ä gog nmgdS>© AmU Vw_¿m

H$m∞ÂflwQ>a/b∞nQ>m∞n/_mo~mB©b da ÒH$sZgoÏha nmgdS>© dmnam ÂhUOo BVa H$moUrhr Vw_¿m

gß_Vredm Vo dmnÍ$ eH$Uma ZmhrV. Vw_Mm B©-_ob AmS>r qH$dm _mo~mB©b H$_mßH$

~XbÎmg VmÀH$mi Vw_¿m ~±Ho$bm (~±Ho$Mo ‡mYH•$V AYH$mar qH$dm ‡mYH•$V dmh›m

mß_m\©$V) Àmdfr H$idm.

H$. VwÂhr ZdS>boÎm ImVo ‡H$mam~amo~a gm_m›V: Oa ZJ©_V hmoV Agob Va AmÂhr VwÂhmbm EH$

EQ>rE_ H$mS>©/S>o~Q> H$mS>© XoD$.

I. ZdrZ H$mS>©/~Xbr H$mS>© (S>o~Q> VgoM Ho$S>Q> H$mS>©) B©E_Ïhr Mn AmU nZ gH$ Ho$bobr H$mS>©M

AgVrb. VwÂhmbm H$mS>© ZH$mo AgÎmg VwÂhr Vo ÒdrH$ma mg ZH$ma XoD$ eH$Vm.

J. H$mS>© VwÂhmbm ‡Àj Xbo OmUma Agob, Va H$mS>© Vw_¿m Vm„mV Xo mnydu AmÂhmbm Vw_Mr

AmoiI nQ>br nmhOo.

K. Vw_¿m nhÎm H$mS>m©~amo~a H$mS>© H$go dmnamMo m¿m _mhVr~amo~a godm _mJ©Xe©H$ / gmgX

nwpÒVH$m XoD$. mV nwT>rb _mhVr Agob- AQ>r d eVu, Vw_Mo H$mS>© hadbo / J°a dmna Pmbm Va

Vw_Mo hmoUmao ZwH$gmZ AmU BVa gß~ßYV _mhVr.

L>. Vw_¿m H$mS>m©gmR>r Vw_¿m H$Vr ImÀmßMm A∞ä gog Amho Vo gmßJy, ÀmM~amo~a Vw_Mo H$mS>© EH$mnojm

OmÒV H$m_o H$aV Agob Va Vr H$moUVr ho hr gmßJy.

M. nrAmoEg H$mCßQ>a, EQ>rE_ d dXoer MbZ ÏdhmamgmR>r g‹m bmJy Agbobr _m©Xm H$idy.

N>. Vw_¿m H$mS>m©gmR>r bmJy hmoUmao ewÎH$ d AmH$ma gmßJy.

O.H•$nm nwT>rb CnmmoOZm am~dyZ Vw_Mo H$mS>© gwajV R>odm :

8.17.3 EQ>rE_ / S>o~Q> d Ho$S>Q> H$mS>©

42


• VwÂhmbm _imÎm _imÎm H$mS>©da ghr H$am.

• Vw_Mo H$mS>© Xb©jV amh XoD$ ZH$m (nmH$Q>mV/ng©_‹o) qH$dm Aem EIm⁄m R>H$mUr (CXm.

Vw_Mr JmS>r) OWyZ H$moUm¿mhr bjmV Z oVm Vo MmoaVm oD$ eHo$b.

• Vw_Mo H$mS>© H$moUmbmhr XoD$ ZH$m qH$dm BVa H$moUmbmhr Vw_Mo H$mS>© dmnÍ$ XoD$ ZH$m, m_‹o

Ïmnmar AmÒWmnZo g_mdÔ> (CXm. aoÒQ>m∞aßQ>, noQ¥>mob nßn, B.)

• dmna PmÎmZßVa Vw_Mo H$mS>© naV Ko mg dgÍ$ ZH$m

• VwÂhr Vw_Mm nŒmm ~XbÎmg H$mJXmonÃr nwamÏmgh AmÂhmbm H$idm, ¡mmoJo,

AmdÌH$VoZwgma, ~Xbr H$mS>© Vw_¿m moΩ nŒmda nmR>dbo OmB©b.

• dmXmVrV / Aner EQ>rE_ Ïdhmamgß~ßYmVrb VH$mar H$mS>© ZJ©_V H$aUmËm ~±Ho$_‹o

XmIb H$amÏmV (~±Ho$Mo ‡mYH•$V AYH$mar qH$dm ‡mYH•$V dmh›m mß_m\©$V)

H$.Vw_Mo H$mS>© qH$dm nZ hadÎmMr, Mmoar PmÎmMr, qH$dm Àm¿m AZYH•$V dmnamMr _mhVr

Xo mgmR>r H$moUÀm ‡H$oMo nmbZ H$amMo mMr _mhVr AmÂhr VwÂhmbm XoD$.

I.Vw_Mo H$mS>© hadÎmg qH$dm Mmoarbm JoÎmg qH$dm Vw_Mm nZ qH$dm nmgdS>© CKS> PmÎmg Vw_Mo

XmÀd H$m Agob ho AmÂhr Z_ d AQ>t_‹o g_mdÔ> H$Í$.

K. H$moUVrhr Bboä Q¥>m∞ZH$ Ïdhma gwdYm gH$ H$a mnydu AmÂhr Vw_Mm _mo~mB©b H$_mßH$ AmU OWo

Cnb„Y Agob VWo, B©_ob AmS>r ZmoßXd mMr j_Vm nwady.

K. AmÂhr AZYH•$V ÏdhmamMr _mhVr 24x7 Xo mg VwÂhmbm g_W© H$a mgmR>r ddY _m‹_o

nwady. hr _m‹_o AgVrb hoÎnbmB©›g, EgE_Eg, B©-_ob, AmÏhrAma, do~gmB©Q>, B. VwÂhr Aem

ÏdhmamßMr _mhVr Vw_¿m J•hemIo_‹o H$m_H$mOm¿m doimß_‹ohr XoD$ eH$Vm. ÀmnwT>o, AmÂhr

VwÂhmbm Am_¿m _m‹_mßMo Vnerb XoD$ ¡mß_m\©$V VwÂhr Vw_Mo H$mS>© „bm∞H$ H$Í$ eH$Vm. AmÂhr

H$mS>m©Mm dmna „bm∞H$ Ho$ÎmMr ZpÌMVr H$aUmam gßXoe Àd[aV nmR>dy.

L>.AmÂhr, eä AgÎmg, EgE_Egbm AßJyV ‡ÀwŒma gwdYm nwady. naßVw, Am_¿m gd© EgE_Eg

AbQ>©≤g_‹o EH$ nm© r H$_mßH$/_mo~mB©b H$_mßH$/B©-_ob AmS>r Agob ¡mß¤mao Am_¿mer

VmÀH$mi gßnH©$ gmYVm oB©b.

M. AmÂhr VH$mar XmIb H$a mgmR>r Am_¿m do~gmB©Q>¿m hmo_noOda EH$ WoQ> qbH$ nwady, OWo

AZYH•$V Bboä Q¥>m∞ZH$ ÏdhmamßMr _mhVr Xo mH$[aVm EH$ deÔ> nm© Agob.

8.17.4.1 hadÎmMr/MmoarMr/dmXmVrV ÏdhmamMr _mhVr XoUo

43

N>.AmÂhr Jhmi PmÎmMr/\$gdUwH$sMr _mhVr Xo mH$[aVm EH$ ßÃUm nwady Or VmÀH$mi ‡VgmX

XoB©b (m_‹o Òdß‡VgmX g_mdÔ>) AmU VH$ma Zm|XUrH•$V VH$ma H$_mßH$mgh XmIb PmÎmMr

_m›Vm XoB©b.

O.Vw_Mo H$mS>© hadbo AgÎmMo qH$dm Mmoarbm JoÎmMo qH$dm BVa H$moUmbmVar Vw_Mm nZ, nmgdS>©

qH$dm BVa gwajmdfH$ _mhVr g_OÎmMo VwÂhmbm bjmV oVmM VwÂhr Vo VmÀH$mi

~Xb mIoarO AmÂhmbmhr H$idmbm hdo. AmÂhmbm gyMV Ho$ÎmZßVa, AmÂhr J°admna

Q>mi mgmR>r VmÀH$mi nmdbo CMby (CXmhaUmW© Vw_Mo H$mS>© „bm∞H$ H$aUo qH$dm nZ argoQ> H$aUo,

Oer n[apÒWVr Agob Vgo).

P.EH$Xm VwÂhr AmÂhmbm H$idboV H$s Vw_Mo H$mS>© hadbo Amho qH$dm Mmoarbm Jobo Amho qH$dm Vw_Mm

nZ qH$dm nmgdS>© CKS> Pmbm Amho, H$s ÀmZßVa Vw_¿m H$mS>©¿m H$moUÀmhr AZYH•$V

dmnamgmR>r VwÂhr O~m~Xma Zgmb.

ƒm.AZYH•$V ÏdhmamMr Vw_Mr VH$ma _imÎmZßVa, AmÂhr Vw_¿m ImÀmVyZ ÀmnwT>rb AZYH•$V

Ïdhmamßg ‡V~ßY Kmb mgmR>r VmÀH$mi nmdbo CMby.

Q>. AZYH•$V Ïdhmam_wio PmboÎm ZwH$gmZmMo XmÀd Àm doir ApÒVŒdmV AgboÎm Zm_H$m¿m

Z_Zmßda AmYm[aV Agob.

R>. VwÂhmbm H$mS>© _im¿m AmYr, qH$dm bmJy AgÎmg, Vw_Mm nZ AmU nmgdS>© _im¿m AmYr

PmboÎm ZwH$gmZm~‘b VwÂhr O~m~Xma Zgmb, Oa VwÂhr AmÂhmbm Vw_¿m d⁄_mZ nŒmm H$idbm

Agob Va.

S>. VH$ma XmIb H$a mgmR>r AmU/qH$dm hadboÎm/AgwajV H$mS>m™Mr _mhVr Xo mgmR>r/„bm∞H$

H$a mgmR>r AmÂhr EQ>rE_¿m R>H$mUr EQ>rE_Mo Òdm_Àd AgUmËm ~±Ho$¿m gßnH©$

‡VZYtMo/hoÎn S>oÒH$Mo Xa‹dZr H$_mßH$/Z:ewÎH$ H$_mßH$ ‡Xe©V H$Í$. H•$nm ZdmaUmgmR>r

Ho$di VwÂhmbm H$mS>© ZJ©_V H$aUmËm ~±Ho$H$S>oM VH$ma H$amb mMr ImVaO_m H$am.

T>. EQ>rE_ AmS>r gd© EQ>rE_da ‡Xe©V hmoB©b. VwÂhr VH$ma/gÑ o XmIb H$aVmZm Vmo C’•V H$amdm.

EQ>rE_ VH$mar XmIb H$a mgmR>rMr ‡nÃo EQ>rE_¿m dmÒVyß_‹o Cnb„Y AgVmV.

U. AmÂhr Aner EQ>rE_ Ïdhmamß_YyZ MwHy$Z S>o~Q> PmboÎm aH$_mßMm naVmdm dhV H$mb_m©Xo_‹o

H$Í$. dhV H$mb_m©XonbH$S>o H$moUVmhr dbß~ PmÎmg, AmÂhr dhV Ho$ÎmZwgma anmB© H$Í$,

Oa VH$ma Am_¿mH$S>o (ÂhUOo EQ>rE_ H$mS>© XoUmËm ~±Ho$H$S>o) ÏdhmamZßVa 30 Xdgmß¿m AmV

XmIb Pmbobr Agob Va.

44


V. EQ>rE_ Ïdhma dmXmVrV AgÎmg, AmÂhr dmX gmoS>dbm OmB©n™V gß~ßYV H∞$_oam MÃU OVZ

H$Í$. Ago \y$Q>oO dmX Aem AboImß¿m dhV OVZ H$mbmdYrXaÂmZ Cm amhbm VaM

Cnb„Y hmoD$ eHo$b.

A.nwT>rb ‡gßJmV AZYH•$V Ïdhma CÿdÎmg Vw_Mo XmÀd ey› amh mg VwÂhr nmÃ Agmb :

i. Am_¿m~mOyZo moJXmZmÀ_H$ ÒdÍ$nmMr \$gdUyH$/ZÓH$miOrnUm/ H$_VaVm

ii. ÃÒW nj ßJ OWo H$_VaVm hr ßÃUoV XgarH$S>o Hw$R>oVar Amho AmU VwÂhr AmÂhmbm

Am_¿mH$Sy>Z AZYH•$V ÏdhmamMr _mhVr _imÎmnmgyZ H$m_H$mOm¿m VrZ Xdgmß¿m

AmV H$idboV Va.

~. AZYH•$V Ïdhmamß_wio CÿdUmËm ZwH$gmZmgmR>r nwT>rb ‡gßJmßV VwÂhr O~m~Xma Agmb :

i. ¡m ‡H$aUmßV ZwH$gmZ Vw_¿m ZÓH$miOrnUm_wio Pmbo Agob CXm. VwÂhr no_|Q>

H$a mgmR>rMr _mhVr H$moUmbm gmßJVbrV, Va VwÂhr Vmo AZYH•$V Ïdhma AmÂhmbm

H$idon™V PmboÎm gßnyU© ZwH$gmZmgmR>r VwÂhr O~m~Xma Agmb. AZYH•$V Ïdhma

AmÂhmbm H$idÎmZßVa hmoUmËm ZwH$gmZmgmR>r AmÂhr O~m~Xma amh.

ii. ¡m ‡H$aUmßV AZYH•$V Bboä Q¥>m∞ZH$ ~±qH$J ÏdhmamgmR>rMr O~m~Xmar Am_¿mH$S>ohr Zmhr

AmU Vw_¿mH$S>ohr Zmhr, nU ßÃUoV BVaÃ Hw$R>oVar Agob, AmU Vw_¿mH$Sy>Z Aem

Ïdhmam~m~V AmÂhmbm H$id mg (Am_¿mH$Sy>Z Àm~m~V gßXoe _imÎmZßVa Mma Vo

gmV H$m_H$mOmß¿m XdgmßMm) dbß~ PmÎmg Vw_Mo ‡ÀoH$ ÏdhmamgmR>rMo XmÀd Àm

Ïdhma _yÎmEdT>o _m©XV Agob qH$dm m dfmda Ama~rAm _mJ©Xe©H$ gyMZmß¤mao

doimodoir ZJ©_V hmoUmËm aH$_oEdT>o Agob, Or a∏$_ H$_r Agob Vr.

iii. ÀmnwT>o, Oa VwÂhr AmÂhmbm H$id mg gmVhZ AYH$ XdgmßMm dbß~ Ho$bmV, Va Vw_Mo

XmÀd Am_¿m _ßS>imZo gß_V Ho$boÎm YmoaUmZwgma ZpÌMV hmoB©b Oo np„bH$

S>mo_oZ_‹o/Am_¿m do~gmB©Q>da Cnb„Y hmoB©b. AmÂhr Am_¿m YmoaUmMo Vw_¿m

XmÀdmgß~ßYmVrb Vnerb Ama~rAm¿m m dfmdarb _mJ©Xe©H$ gyMZmßMo nmbZ H$aV

ImVo CKS> m¿m doir nwady. AmÂhr m dfmdarb Am_¿m YmoaUm~m~Vhr gd© JmhH$mßZm

ÒdVßÃnUo gyMV H$Í$.

VwÂhr gyMV Ho$ÎmZßVa, AmÂhr AZYH•$V Bboä Q¥>m∞ZH$ Ïdhmam_Yrb a∏$_ Vw_¿m ImÀm_‹o VwÂhr

AmÂhmbm H$idÎm VmaIonmgyZ 10 H$m_H$mOm¿m Xdgmß_‹o Ho$S>Q> H$Í$ (e∞S>mo arÏhg©b) (d_m

8.17.4.2 AZYH•$V Bboä Q¥>m∞ZH$ ~±qH$J ÏdhmamßgßXm©V _m©XV XmÀd

8.17.4.3 ey› XmÀdmgmR>r/_m©XV XmÀdmgmR>rMr ‡ÀmdV©Z H$mb_m©Xm

45

XmÏm¿m VS>OmoS>rMr dmQ> Z nmhVm, Oa Agob Va). Ho$S>Q>¿m _yÎmMo XZmßH$ AZYH•$V Ïdhmam¿m

XZmßH$mnmgyZ Yabo OmB©b.

ÀmnwT>o, AmÂhr Aer ImVaO_m H$Í$ H$s :

i. Vw_¿m VH$marMo ZdmaU hmoB©b AmU XmÀd, Oa Agob Va, Am_¿m _ßS>imZo gß_V

Ho$boÎm YmoaUm_‹o CÑ oIV H$mbmdYrV, Omo Vw_¿mH$Sy>Z _imboÎm VH$mar¿m

XZmßH$mnmgyZ 90 XdgmßhZ AYH$ Zgob, ‡ÒWmnV hmoB©b, AmU VwÂhmbm m dfmdarb

Ama~rAm¿m _mJ©Xe©H$ gyMZmßZwgma anmB© _iob.

ii. OWo AmÂhr 90 Xdgmß_‹o VH$marMo ZdmaU H$a mg qH$dm Vw_Mo XmÀd ZpÌMV

H$a mg, Oa Agob Va, Ag_W© R>abmo, Va VwÂhmbm Ama~rAm¿m _mJ©Xe©H$ gyMZmßZwgma

anmB© _iob; AmU

iii. S>o~Q> H$mS>©/~±H$ ImÀmgßXm©V, VwÂhmbm ÏmOmMo ZwH$gmZ moJmdo bmJUma Zmhr, AmU Ho$S>Q>

H$mS>©gßXm©V, Vw_¿mda ÏmOmMo H$moUVohr AV[a∫$ AmoPo Zgob.

H$. OoÏhm VwÂhr H$mS>m©gmR>r AO© H$amb VoÏhm Àm¿mer gß~ßYV gd© _mhVr AmÂhr VwÂhmbm XoD$. Ogo

_hÀdm¿m AQ>r d eVu, ewÎH$ d ÏmOXa d B©Va ewÎH$ ~qbJ d no_|Q> R>admMr n’V, n°go

a mg C[ea Pmbm ho R>ad mMr n’V, H$_V H$_r aä H$_ a mMo AmW©H$ n[aUm_

nyZZ©drH$aU AmU H$mS>© ~ßX H$a mMr n’V, d H$mS>© dmna mgmR>r VwÂhmbm AmdÌH$ Agbobr

gd© _mhVr.

I. AmÂhr gdm™V _hŒdmMo Z_ d AQ>r (E_AmQ>rgr) Xhm¿m \$m±Q>_‹o Imbrb‡_mUo ‡Xe©V H$Í$

:

i. dnUZmXaÂmZ - ewÎHo$ AmU AmH$maUr mßdarb E_AmQ>rgr.

ii. AOm©¿m doir/ÒdmJV-H$Q> XoVmZm - BVa gdm™g_doV* gd© E_AmQ>rgr,

iii. Ho$S>Q> H$mS>© ~qbJ da - ewÎHo$ AmU AmH$maUr, n°go H$mT> m¿m _m©Xm mßdarb

E_AmQ>rgr.

iv. Mmby ÒVamda, Z_ d AQ>t_Yrb H$moUVohr ~Xb.

*ÃÒW njm¤mao \$gdUyH$ PmÎmg qH$dm \$gdUwH$sV Vw_Mo H$moUVohr moJXmZ ZgÎmg Vw_Mo XmÀd.

8.17.5 Ho$S>Q> H$mS>©

46


J. VwÂhr Ho$S>Q> H$mS>© _idV AgVmZm/AO© H$aV AgVmZm AmÂhr b Ho$bobm ZdmaUnyV©VoMm

AdYr VwÂhmbm gmßJy. AmÂhr H$mS>© CÀnmXZmßdarb dmf©H$ewÎH$ AmU dmf©H$sH•$V Q>∏o$dmar Xa

(EnrAma) gmßJy. (H$aH$moi IaoXrgmR>r AmU AmJmD$ amoI _id mgmR>r doJdoJio (Oa doJio

AgVrb Va), g_mZ ‡m_wªmZo). EnrAma, ‡bß~V no_|Q> AmH$ma m _moO mMr AmU ÏmO

_moO mMr n’V CXmhaUmßgH$Q> ÒnÔ>nUo g_Omdbr OmB©b. ho n°bw ÒdmJV H$Q>_‹o XmIdbo

OmVrb AmU Àm~amo~aM _mgH$ ddaUm_‹ohr XmIdbo OmVrb. Xa_hm Ho$di H$_mZ no_|Q>

H$a m~m~V¿m gyMZo_wio naV\o$S>rMm H$mbmdYr bmß~ob d n[aUm_r WH$V aH$_oda MT>UmËm

ÏmOmMm aUm gd© _mgH$ ddaUmß_‹o R>iH$nUo ‡Xe©V Ho$bm OmB©b. VwÂhr \$∫$ _mgH$ Ho$S>Q>

H$mS>© ddaUmV CÑ oIV "H$_mZ Xo a∏$_' amMo R>adboV Va AmÂhr Z aboÎm aH$_oda bmJy

hmoUmam ÏmOXa AmU BVa ewÎHo$gw’m CÑ oIV H$Í$.

E_AmQ>rgr_‹o, AmÂhr deofV: ho ÒnÔ> H$Í$ H$s Oa _mJrb _h›mVrb ~bMr WH$~mH$s amhbr

Agob, Va "_mo\$V F$U H$mbmdYr' gßnwÔ>mV oVmo.

K. Oa Vw_Mm ‡mo\$mB©b Ho$S>Q> H$mS>© Omar H$a mgmR>r moΩ dmQ>bm Va AmÂhr VwÂhmbm ZpÓH$

(S>Epä Q>ÏhoQ>o) Ho$S>Q> H$mS>© Omar H$È AmU Vw_¿mH$Sy>Z Ho$S>Q> H$mS>© ÒdrH$maV AgÎmMr gß_V

Ambr VgoM gH$ H$a mgmR>r AmdÌH$ nmdbo CMbÎmdaM H$mS>© gH$s / Mmby Ho$bo OmB©b

Oo d[ab AQ>t¿m AYrZ Agob.

L>. Oa Vw_¿m gß_V edm AmÂhr H$mS>© gH$ Ho$bo qH$dm Vw_¿m gß_V edm XboÎm H$mS>m©Mo

AmH$ma bmdbm Va AmÂhr Vmo AmH$ma \$ä V naVM H$aUma Zmhr Va Àm AmH$mam¿m XflnQ> aä H$_

XßS> ÂhUyZ VwÂhmbm naV XoD$.

M. AmÂhr Vw_¿m boIr gß_V ZßVaM VwÂhmbm F$U / CYma gwdYm XoD$ qH$dm Vw_¿m H$mS>m©Mr Ho$S>Q>

_m©Xm dmT>dy. Bboä Q¥>m∞ZH$ _m‹_m ¤mao ‡m· gß_V, ¡mV VwÂhr deÔ> ‡H$mao H$moUVo Ïdhma

H$aUma AmU AVe _hÀdm¿m AQ>r d eVu dmMbo AgÎm~‘b ‡_mUV H$aVm AmU ¡mVyZ

Aem gß_VMo S>OQ>b aoH$m∞S>© gm ÂhUyZ ‡m· H$Í$Z KoD$ eH$Vmo, Àmbmhr gß_V _mZbo OmB©b.

N>. AmÂhr Vw_¿mV\$ Zm_ZXeV Ho$boÎm Ïpä V®Zm AV[a∫$ H$mS>© XoD$ eH$Vmo. Vw_¿m dZßVrZwgma

VwÂhmbm Omar Ho$boÎm AV[aä V H$mS>m©gmR>r (EHy$U _m©Xo_‹o) _m©Xm R>adyZ XoD$ eH$Vmo. Aem

AV[aä V H$mS>© YmaH$m¿m gd© ÏdhmamßgmR>r VwÂhr O~m~Xma Agmb.

O. Oa Vw_¿m Ho$S>Q> H$mS>©darb _m©Xm H$_r H$a mMm ‡ÒVmd Ambm, Va AmÂhr Ver dZßVr VwÂhrM

Ho$bobr ZgÎmg VwÂhmbm 30 XdgmßMr gyMZm XoD$ AmU ÀmgmR>rMo H$maUgw’m

EgE_Eg/B©_ob/nÃm¤mao H$idy.

47

P. AmÂhr mMr ImÃr H$Í$ H$s AmÂhr Vw_¿m a‘ H$a m¿m/ _m©Xm H$_r H$a m¿m dZßVrMo nmbZ

H$Í$ AmU bIV ÒdÍ$nmV qH$dm Am_¿mH$S>o Zm|XdboÎm B©_ob AmS>rdÍ$Z _imbobr dZßVr

Ho$ÎmnmgyZ H$m_H$mOm¿m 7 Xdgmß¿m AmV Ho$S>Q> H$mS>© a‘ Ho$ÎmMr/_m©Xm H$_r Ho$ÎmMr/~ßX

Ho$ÎmMr ZpÌMVr H$Í$, Oa WH$V aH$_oMm, Oa Agbr Va, heo~/aUm Pmbobm Agob Va.

ƒm.VwÂhr H$mS>©YmaH$ AgVmZm, Am_¿m XmÀdmßMm aUm H$a mV H$gya Ho$Îmg, Vw_¿m Ho$S>Q>

_‹o AgboÎm, ÀmM j_Vo_‹o, ~±Ho$H$S>rb H$moUÀmhr ImÀm_Yrb, qH$dm ~±Ho$¿m Vm„mVrb

qH$dm AajoVrb Vw_¿m _mbH$s¿m gd© n°emda YmaUmYH$ma ~Omd mMm qH$dm dOmdQ>

H$a mMm h∏$ Am_¿mH$S>o Agob. Vw_¿m R>odr¿m ImÀmda YmaUmYH$ma/Vm~m ‡ÒWmnV

Ho$ÎmZßVa VrZ Xdgmß¿m AmV AmÂhr VwÂhmbm mßgßXm©V Vw_¿m Zm|XUrH•$V B©_ob

AmS>rda/Zm|XUrH•$V _mo~mB©b H$_mßH$mda qH$dm nÃm¤mao gyMZm XoD$.

Q>. Oa AmÂhr Am_¿m Ho$S>Q> H$mS>© YmaH$mßZm d_m Hß$n›mßer ghmoJ gmYyZ, H$moUVrhr d_m gwajm

XoD$ H$aV Agy, Va AmÂhr Vw_¿mH$Sy>Z AnKmVr _•Àwbmm¿m AmU AnßJÀd bmm¿m

gßXm©Vrb AhÒVmßH$VrMo Vnerb boIr ÒdÍ$nmV _idy. AmÂhr mMr ImÃr H$Í$ H$s gß~ßYV

AhÒVmßH$Z Vnerb d_m Hß$nZr¤mao Zm|Xd mV Ambo AmhoV, Or d_m gwajoer gß~ßYV Xmdo

hmVmiUma Agob.

R>. H$_r _yÎmMo H$mS>© Zm∞Q> ‡oP|Q> (grEZnr) Ïdhma gwH$a H$a mgmR>r, AV[a∫$ KQ>H$

AY‡_mUZmMr (EE\$E) JaO eWrb H$a mV Ambobr Amho. ÀmZwgma, AmÂhr (H$mS>© ZJ©_V

H$aUmar ~±H$) VwÂhmbm "no_|Q> AY‡_mUZ CnmoOZm' nm© r nmVirda XoD$ H$Í$. Vw_Mm nm©

gH$ H$a mgmR>r Vw_Mr gß_Vr Ko mH$[aVm, AmÂhr EH$doi Zm|XUr ‡H$oMr gwdYm nwady. Aem

n[apÒWVtV EE\$E eWrb hmoUo ho ‡V Ïdhma È 2000/- Mo H$_mb _yÎ AgUmËm grEZnr

ÏdhmamßZm bmJy hmoB©b (qH$dm Zm_H$mZo doimodoir R>adÎm‡_mUo). AmÂhr VwÂhmbm mhZ H$_r

Ïdhma _m©Xm R>od mMrhr gwdYm XoD$.

S>. AmÂhr m gßhVo¿m IßS> 8.17.4.2 Zwgma H$moUÀmhr AZYH•$V Bboä Q¥>m∞ZH$ ÏdhmamgmR>r

O~m~Xma amh.

H$. Vw_¿m Ho$S>Q> H$mS>© ImÀmMr ÏdÒWm nhm mgmR>r d Ho$S>Q> H$mS>©Zo Ho$bobr IaoXr / H$mT>bobo n°go

nhm mgmR>r AmÂhr VwÂhmbm Ho$S>Q> H$mS>© ÏdhmamMo Vnerb Agbobo ddaUnÃ Xa_hm nmoÔ>mZo

qH$dm VwÂhmbm hdo AgÎmg BßQ>aZoQ> ¤mao dZm_yÎ nmR>dy. Ho$S>Q> H$mS>© ddaUnÃ ‡ÀoH$

_h›m¿m R>amdH$ VmaIobm Vw_¿m nŒmda nmoÔ>mZo / Hw$araZo qH$dm Vw_Mr B¿N>m AgÎmg B©-

8.17.5.1 Ho$S>Q> H$mS>© ddaUnÃ

48


_obZo dZm_yÎ nmR>dbo OmB©b. ddaUnÃ BßQ>aZoQ> ~±qH$Jda gw’m nmh eH$Vm. MwH$sMr ~bo

AmH$ma mV oUma ZmhrV AmU AmÂhr gyMV Z Ho$bobr ewÎHo$ AmH$ma mV oUma ZmhrV mMr

AmÂhr ImÃr H$Í$. Oa H$moUÀmhr ~bmdamoYmV VH$ma XmIb Pmbr, Va AmÂhr ÒnÔ>rH$aU XoD$,

AmU AmdÌH$ AgÎmg, VH$matMo gm°hmXm©Zo ZdmaU H$a m¿m hoVwZo gmR> Xdgmß¿m H$_mb

H$mbmdYr_‹o VwÂhmbm H$mJXmonÃr nwamdmgw’m nwadbm OmB©b. H$mhr ~m~VtV MwHy$Z AmH$mabobr

ewÎHo$ ‡ÀmdV©V PmÎmg, Aer ‡ÀmdV©Zo XmÀdmßMr heo~nyVu PmÎmMo _mZ mV oUma Zmhr.

I. ddaUnÃ Z _imÎmg VwÂhr Am_¿mer gßnH©$ gmYmdm ÂhUOo AmÂhr ddaUnÃ nw›hm nmR>d mMr

ÏdÒWm H$È. ¡m_wio VwÂhmbm doioda no_|Q> H$aUo d AndmX AgÎmg nmhUo gmo rMo hmoB©b.

J. ewÎH$ AmU AmH$maUr d AQ>r d eVu mV H$mhr ~Xb PmÎmg AmÂhr VwÂhmbm H$idy. ghgm,

(ÏmOXa d Zm_H$ AmdÌH$VoZwgma hmoUmao ~Xb gmoSy>Z) ~Xb ho H$_mZ EH$ _h›mMr

nyd©gyMZm XoD$Z Ho$bo OmVmV. ~Xb _mgH$ ddaUnÃ qH$dm Àm¿m ‡Vbnrgh AmnÎmbm

H$idbo OmVrb. H$gya PmÎmg, Vmo H$O© _mhVr Hß$n›mßZm (grAmgr) H$id mV oB©b.

K. H$O© _mhVr Hß$n›mßZm Ho$S>Q> H$mS>© YmaH$m¿m H$gya AdÒWo~‘b H$id mnydu, AmÂhr _ßS>im¤mao

gß_V ‡H$oMo nmbZ H$Í$, ¡m_‹o H$mS>©YmaH$mbm nyaoer gyMZm XoUo g_mdÔ> Agob. MwH$s¿m

~bmMo ‡ÀmdV©Z hmoD$Zhr, Z H$idbobr ewÎHo$ hr grAmgrbm H$id mMo H$maU AgUma

ZmhrV. Oa AmÂhr ewÎH$mßMo ‡ÀmdV©Z VS>OmoS> ÂhUyZ J•hrV Yabo, Va AmÂhr Aem VS>OmoS>r~m~V

grAmgrbm H$idy AmU grAmgrbm Ago H$idÎm~‘b VwÂhmbm gyMV H$Í$.

AmÂhr go~r (Âw¿wAb \ß$S>) AmU AmAmaS>rEAm (d_m CÀnmXZo) Aem gß~ßYV Zm_H$mß¤mao

ZJ©_V Zm|XUr ‡_mUnÃmZwgma PmboÎm H$m∞nmaoQ> EO›gr H$amaZmÂmßVJ©V no›eZ \ß$S>, Âw¿wAb \ß$S>

AmU d_m, B. gmaIr ÃÒW njmMr CÀnmXZo dV[aV H$aVmo. Am_¿mH$S>o AmAmaS>rEAm (H$m∞nmaoQ>

EOßQ≤>gMr Zm|XUr) Z_Zo, 2015 er gwgßJV Ago d_m CÀnmXZmß¿m dH$sH$[aVm _ßS>imZo gß_V Ho$bobo

YmoaU Aß_bmV Amho.

H$. AmÂhr H$moUÀmhr JwßVdUyH$/_Œmm ÏdÒWmnZ Hß$nZrMo qH$dm d_m Hß$nZrMo EOßQ≤>g ÂhUyZ Âw¿wAb

\ß$S> H$ßdm d_m CÀnmXZo mßgmaIr H$moUÀmhr ‡H$maMr JwßVdUyH$ CÀnmXZo XoD$ H$aV Agbmo, Va

Àm~m~V VwÂhmbm _mhVr XoD$. Am_¿m dVrZo Am_¿m dmÒVyßMm dmna H$Í$Z ÃÒW njmMr

CÀnmXZo dH$V AgboÎm qH$dm ÀmßMo dnUZ H$aV AgboÎm H$moUÀmhr Ï∫$gmR>r AmÂhr

O~m~Xma AmhmoV.

I. AmÂhr mMr ImÃr H$Í$ H$s AmÂhr dH$V Agbobr gd© JwßVdUyH$ AmU d_m CÀnmXZo bmJy

8.18 ÃÒW nj CÀnmXZo (WS>© nmQ>u ‡m∞S>ä Q>)

49

Z_mß¿m AmU Z_Zmß¿m AYrZ AgVrb.

J. VwÂhr OoÏhm Am_¿mH$Sy>Z ~±qH$J godm qH$dm CÀnmXZo ømb VoÏhm VwÂhr Am_¿mH$Sy>Z Àm ~XÎmV

H$moUVohr ÃÒW nj CÀnmXZ ømdo Agm AmJh H$aUma Zmhr.

K. Am_¿mH$Sy>Z KoVboÎm H$Om©gmR>r VwÂhr R>odboÎm VmaUm gßXm©V VwÂhr R>amdH$ qH$dm ÀmM

gßÒWoH$Sy>Z d_m N>Ã ømdo Agm AmJh AmÂhr H$aUma Zmhr. Oa AmÂhr EImXo d_m CÀnmXZ XoV

Agy Va Vo nyU©nUo Eop¿N>H$ Agob. VwÂhr Vw_¿m B¿N>oZwgma H$moUÀmhr gßÒWoVyZ d_m KoD$ eH$Vm.

L>.VwÂhr Aer _mhVr Z ÒdrH$ma mMm nm© ZdS>bm Zgob Va AmÂhr, Z_V H$mbmßVamZo, VwÂhmbm

OmhamVt¤mao/gyMZm \$bH$m¤mao/do~gmB©Q>darb _mhVr¤mao/nÃH$mß¿m dmQ>nm¤mao B. AmU VgoM

B©_ob AmU EgE_Eg _m\©$V Am_¿m emImß_‹o dH$Îm OmUmËm CÀnmXZmß¿m bmmß~m~V

_mhVr XoD$.

M. Am_¿m emIoVyZ dH$Îm OmUmËm JwßVdUyH$ d d_m moOZm VwÂhmbm Am_Mo dYdV Ah©Vm ‡m·

AYH$mar g_OmD$Z gmßJVrb mMr H$miOr KoD$.

N>. VwÂhmbm XoD$ H$a mV oUmËm CÀnmXZmMo Vnerbdma Z_ d AQ>r AmÂhr nwady (Âw¿wAb \ß$S>

AgÎmg ‡_wI _mhVr kmnZ AmU d_m CÀnmXZo AgÎmg CÀnmXZ nwpÒVH$m, dH$s MÃU).

O>. JwßVdUyH$ / d_m moOZm VwÂhmbm dH$ mnydu JmhH$mßgmR>rMo WmoMV _wÎmßH$Z H$a mMr AmÂhr

XjVm KoD$.

P. Oa AmÂhmbm dÌdmg dmQ>bm H$s Vw_¿mgmR>r moΩ AmU CMV Amho VaM Vo CÀnmXZ VwÂhmbm

dHy$.

ƒm. EImXr godm ÒdrH$ma mMo boIr qH$dm AYH•$V Bboä Q¥>m∞ZH$ _m‹_m¤mao AmdÌH$ d°YVm (dYdV

JmVm) Vw_¿mH$Sy>Z _imÎmdaM Àm godogmR>r Vw_¿mH$Sy>Z AmdÌH$ AO© d H$mJXnÃ KoD$.

Q>>. moOZoZwgma AmdÌH$ gd© Am°nMm[aH$Vm (d°⁄H$s narjm YÈZ) nyU© PmÎmZßVa 30 Xdgmß¿m

AmV ddaUnÃ / nm∞bgrMo H$mJXnÃ Vw_¿mH$S>o nmR>dbo OmVrb mMr H$miOr KoD$.

R>. eä VodT>r dH$s nÌMmV godm Ogo n’Vera JwßVdUyH$ moOZmß¿m hflÀmßMo (EgAmnr) Mo

Ò_aUnÃ, ZdrZV_ ZÏdi _mb_Œmm _wÎ (EZEÏhr), nyU©VoMr VmarI, dÂm¿m hflÀmMr Xo

VmarI B.

S>. godm nwadR>mXma VwÂhr Àmß¿mH$Sy>Z _idboÎm moOZo¿m/CÀnmXZm¿m H$m_JargßXm©V Z_V

H$mbmßVamZo VwÂhmbm _mhVr nwadV amhVrb. Oa VwÂhmbm EIm⁄m deÔ> godoMr JaO Agob, Va

Ver deof dZßVr Vw_¿mH$Sy>Z AmÎmda AmÂhr Vr Cnb„Y H$Í$Z XoD$.

50


T>. Âw¿wA \ß$S>, d_m / BVa dŒmr Hß$n›mH$Sy>Z Àmß¿m CÀnmXZmMo _mH$qQ>J Ho$Îm_wio Oa H$mhr

H$_reZ / ewÎH$ _imbo Agob, Va ÀmMr _mhVr XoD$.

U. AmÂhr d_m dH$s/Âw¿wAb \ß$S>/ÃÒW nj JwßVdUyH$ CÀnmXZmßMr dH$s mßgmaªm Cngh~±qH$J

H•$Vt~m~V Ama~rAm¿m _mJ©Xe©H$ VŒdmßMo nmbZ H$Í$.

V>. ddY CÀnmXZo dH$ mer gß~ßYV godoMo ewÎH$ ‡Xe©V Ho$bo AgVrb d VwÂhmbm _imbo AgVrb

mMr H$miOr KoD$.

AmÂhr Ho$S>Q> g_wnXoe gwdYm Xo mMm ‡ÀZ H$Í$. OoWo hr gwdYm Cnb„Y Agob Àm H|$–m¿m

emImß_‹o H$moUÀmhr ~±H$mßZr CmaboÎm g_wnXoe H|$–mMo nŒmo d doi B. ‡Xe©V H$È OoUoH$ÈZ VwÂhr hr

godm KoD$ eH$mb.

AmnU dZßV Ho$Îmg d AajU H$mbmdYr_‹o AgÎmg Vw_¿m ÏdhmamMo H$mJXnÃ moΩ _yÎ

ÈZ AmnUmg Cnb„Y H$ÈZ Xbo OmVrb.

H$. Oa AmÂhr EImXr emIm ~ßX H$aUma Agbmo qH$dm ÒWbmßVa H$aUma Agbmo qH$dm mnwT>o VwÂhmb

~±qH$J godm XoUo Aeä Pmbo Va AmÂhr VwÂhmbm-

i. Àm H|$–mV H$moUÀmhr ~±Ho$Mr EH$hr emIm Zgob, Va XmoZ _h›mßMr ZmoQ>rg XoD$.

ii. BVa gd© ~m~VrV EH$ _h›mMr ZmoQ>rg XoD$.

I. Oa AmÂhr emIoMo ÒWbmßVa H$aUma Agy Va emIoMm ZdrZ nŒmm nyU© Vnerbmgh XoD$.

J. emIo¿m H$m_H$mOm¿m doimV H$mhr ~Xb Ho$bm Va Vgo VwÂhmbm H$idy.

H$. H$_mZ ~MVrMr AQ> Z R>odVm AmÂhr ""‡mW_H$ ~MV ~±H$ R>od ImVo'' (~rEg~rS>r ImVo) /bKw

ImVo AmU OZYZ ImVo Cnb„Y H$Í$Z XoD$; _mÃ mgmR>r maVr [aPÏh© ~±H/maV gaH$maZo

doimodoir ~±H$ ImVo CKS> mgmR>r Omar Ho$boÎm Vw_¿m JmhH$mbm AmoiIm (Ho$dmgr) AmU A±Q>r

_Zr bm∞p›S¥>®J H$mim n°gm emoYUo (EE_Eb) gmaªm gyMZmßMo nmbZ H$amdo bmJob. AmÂhr H$_mZ

gm_m› gwdYm Ogo Z:ewÎH$ EQ>rE_ H$mS>© qH$dm EQ>rE_-H$_-S>o~Q> H$mS>© XoD$ d ÀmßMr _mhVr

XoD$. ImVo CKS>VmZm hr gd© gß~ßYV _mhVr nmaXeunUo gmßJy.

8.19 Ho$S>Q> g_wnXoe (H$O© / nV gßXm©~m~V _mJ©Xe©Z) gwdYm

8.20 AboI _idUo

9. emIm ~ßX H$aUo / emIoMr OmJm ~XbUo

10. AmW©H$ g_mdoe (\$mBZmp›eb BZä ÎwOZ)

51

I. AJXr gmoflm Ho$boÎm Ho$dmgr (Vw_Mm JmhH$ OmUm) n’VZwgma AmÂhr Ago ImVo CKSy>Z Xo mMr

gwdYm XoD$. VWmn, hr ImVr AV[a∫$nUo ""bhmZ ImVr'' ÂhUyZ _mZbr OmVrb AmU ÀmgmR>r

bmJy Agbobo ‡V~ßY ÒWmZH$ mfoV d VwÂhmbm ghO g_Oob Aem n’VrZo gmßJVbo OmVrb.

J. ‡mW_H$ ~MV ~±H$ R>od ImVo (~rEg~rS>r ImVo) CKS> mgmR>r¿m AmdÌH$Vm d ""bhmZ ImVr''

/OZ-YZ ImVo CKS> mgmR>r gmoflm Ho$dmgr n’VrImbr AmdÌH$ H$mJXnÃmMr mXr ¤mfr /

Ãmfr Í$nmV gd© emImß_‹o _hÀdm¿m OmJr ‡Xe©V H$È.

K. Am_¿m H$_©MmËmß_‹o deofV: H$mCßQ>adarb H$_©MmËmß_‹o OmJÈH$Vm Z_m©U Ïhmdr ÂhUyZ

‡ejUmgh BVa AmdÌH$ nmdbo CMby.

L>. ImVo Mmby R>od mgmR>r EH$m _h›mV R>amdH$ doimM n°go H$mT>Uo, gm_m› Ho$S>Q> H$mS>© d

Bboä Q¥>m∞ZH$ _m‹_mZo am¡ d H|$– gaH$maH$Sy>Z Vw_¿m ImÀmV n°go AßV[aV hmoUo B. gm_m›

~±qH$J gwdYm AmÂhr VwÂhmbm Z:ewÎH$ Cnb„Y H$Í$Z XoD$.

M. Vw_Mr B¿N>m AgÎmg Z:ewÎH$ qH$dm Iyn H$_r ewÎH$ KoD$Z JwUdY©V godm XoD$. ÀmgmR>r

VwÂhmbm g_Oob Aem mfoV AJmoXa g_OmdyZ gmßJy.

N>. Oa godm Ïdhma qH$dm ewÎH$ m_‹o H$mhr ~Xb H$aUma Agy Va Vo bmJy hmo mnydu ZXmZ EH$

_hZm AmYr VwÂhmbm H$idy.

O. ho ~Xb VwÂhmbm gmo r¿m _m‹_m¤mao H$idy Ogo emIoVrb ZmoQ>rg ~moS>©, qH$dm ÏmdgmH$

‡VZYr (~PrZog H$m∞aÒnm∞S>›Q>) qH$dm nÃ B.

P. OoWo Am_Mr emIm Zgob, VoWo maVr [aPÏh© ~±Ho$¿m (Ama~rAm) nWXeu _mJ©Xe©H$

gyMZmZwgma ImVo CKS>Uo, R>odr R>odUo, aä H$_ d Ïdhmamß¿m gßªo¿m _m©XoZwgma n°go H$mT>Uo,

eÎbH$ nhmUo B. d EH$m R>H$mUmhZ XgarH$S>o n°go AßV[aV H$aUo B. godmßgmR>r ÏmdgmH$

‡VZYr (~PrZog H$m∞aÒnm∞S>›Q>) (~r.gr.)/ÏmdgmH$ gwbH$maH$ ‡VZYr (~PrZog

\∞$gbQ>oQ>a) (~r.E\$.) Zo_ mMm ‡ÀZ H$È.

Ã. AmÂhr _mo~mB©b ~±qH$J godm Xo mMmhr ‡ÀZ H$È.

Q>. VgoM _mo~mB©b \$moZ, EZB©grEg, EZB©E\$Q>r gmaªm Bboä Q¥>m∞ZH$ _m‹_o B. ¤mao n°go nmR>d m¿m

BVa gwdYm Xo mMm ‡ÀZ H$È.

R>. ~rgr / ~rE\$ ¿m H•$V d AH•$V gmR>r AmÂhr O~m~Xma Agy AmU Àmß¿m dÈ’ Zm|XboÎm

H$moUÀmhr VH$marMm Vnmg H$È.

S>. JaO nS>Îmg AmÂhr VwÂhmbm nadS>UmËm qH$_VrV H$O© gwdYm XoD$. ¡mß¿m AQ>r d eVu VwÂhr

52


H$Om©gmR>r AO© H$amb VoÏhm VwÂhmbm gmßJy.

T>. Am_¿mH$S>o AgboÎm ddY H$O© moOZm VwÂhmbm gmßJy ¡mV nwT>rb JmoÔ>tMm AßVm©d Agob. Ogo

Vw_¿m H$Om©¿m AOm©da dMma H$a mgmR>r ~±Ho$bm AmdÌH$ AgUmar H$_mZ _mhVr. Aem

H$Om™Zm bmJy hmoUmËm _hÀdm¿m AQ>r d eVu, ~±Ho$H$S>o R>odbo OmUmao VmaU, ÏmOXa bmJy H$a mMr

n’V d H$mi, naV\o$S>rMr n’V B.

U. ‡mYm› joÃ H$Om™VJ©V AgboÎm emgZ ‡mmoOV moOZmßH$[aVm Èno EH$ bmImßn™V¿m

F$U_m©XmßgmR>r VmaU ‡VyVtMm AmJh YaUm Zmhr, AndmX E_EgB© JmhH$mßMm ¡mßZm È 10

bmImßn™V VmaU_w∫$ _m©Xm bmJy hmoVo. AmÂhr È 4 bmImßn™V qH$dm e°jUH$ H$O© moOZoAßVJ©V

doimodoir gwYmaÎmZwgma e°jUH$ H$Om™da VmaU ‡VyVtMm AmJh YaUma Zmhr.

V. Am_¿m H$Sy>Z KoVboÎm H$Om©gßXm©V VwÂhmbm H$mhr AmW©H$ AS>MUr AgÎm Va AmÂhr

ghmZw yVrnyd©H$ d gH$mamÀ_H$VoZo Àmda dMma H$È.

W. VwÂhr darb‡_mUo H$moUÀmhr AmW©H$ ddßMZo~‘b H$idy eH$Vm, ¡mmoJo AmÂhr VwÂhmbm Vw_¿m

g_Òmßda _mV H$a mgmR>r _XV H$Í$ eH$Vmo. Vw_¿m H$Om©¿m AOm™da ‡H$m H$aVmZm gd©

‡H$ma¿m H$Om™gmR>r AmÂhr "ey› XmÀd' ‡_mUnÃ _id mMm AmJh YaUma Zmhr (d° ∫$H$

F$UH$mo AmU ÒdßgmhmÊ g_yh (EgEMOr) AmU ghXmÀd g_yh (OoEbOr)) - AndmX

EImXr deÔ> emgZ ‡mmoOV moOZm "ey› XmÀd' ‡_mUnÃ _id mMr AQ> KmbV Agob Va.

X. VwÂhmbm AS>MUrVyZ ~mhoa H$mT> mgmR>r AmÂhr Vw_Mr B¿N>m AgÎmg [aÏhmÏhb (nwZÈÇ mrdZ)

n∞Ho$O XoD$ Oa Ago n∞Ho$O XmoKmß¿mhr hVm¿m —Ô>rZo dMma H$a mmoΩ dmQ>V Agob Va.

Y. gm_m› emIo_‹o qH$dm XgËm _mJm©Zo ÂhUOo B›\$_eZ AmU H$ÂwZHo$eZ Q>oä Zm∞bm∞Or

(AmgrQ>r-_mhVr d gßdmX VßÃkmZ) moΩ ‚b∞Q>\$m∞_©Mm dmna H$È ~±H$ ImVoXmamßZr ImVo H$go

dmnamdo m~‘b ÀmßZm ejU XoD$ d _mJ©Xe©Z H$È.

Z. JmhH$mßZm ejV H$a mgmR>r AmÂhr AmW©H$ gmjaVm H$m©H$_ Mmbdy.

n. b JQ>mbm ghmJr H$Í$Z bhmZ ehao d Jmdmß_‹o AmW©H$ g_mdoe dmT>d mgmR>r e~ao,

ÒQ>m∞b d Q>mD$Z hm∞b H$m©H$_ AmmoOV H$È.

\$. nyU© XoemV d deofV: ~±Ho$_‹o AmW©H$ g_mdoeZmMo ‡ÀZ ÏhmdoV ÂhUyZ Am_¿m gd© ÒVamd[ab

H$_©MmËmßZm ejV H$a mgmR>r ßÃUm am~dy.

~. ~±H$dahV joÃm_‹o AmW©H$ g_mdoeZ moOZm Mmby Ho$br Amho VoWo ~±Ho$Mo ‡ÀZ nyU©Àdmg Omdo

ÂhUyZ ~±Ho$¿m AYH$mËmßZr Z_V / Zoh_r oQ>r Xo mMr n’V AmÂhr gwÈ H$È.

53

. Vw_¿m VH$mar AgVrb Va Àm_‹o Vm~S>Vmo~ bj Xo mMm ‡ÀZ H$È d bdH$amV bdH$a ÀmßMo

ZagZ H$È.

_. Oa VwÂhmbm ~±H$ qH$dm ÀmßMo ~rgr / ~rE\$ mß¿m dÈ’ JmËhmUo / VH$ma Agob Va VH$ma

H$amMr n’V H$m AmU ~±Ho$V VH$ma ZdmaUmMr ßÃUm H$m Amho, VgoM Vw_¿m VH$marMo

~±Ho$H$Sy>Z ZdmaU Pmbo Zmhr qH$dm Vw_Mo g_mYmZ Pmbo Zmhr Va ~±qH$J bmoH$nmb moOZo dfr

gmßJy.

. AmW©H$ g_mdoeZ H$m©H$_mMr AmÂhr anya ‡g’ H$È AmU JmhH$mßZm ddY CÀnmXZo d

godmßdfr _mhVr XoD$.

H$.Am_Mo deof JmhH$ Ogo Oo> Ïpä V, AnßJ d AejV bmoH$mßZm Am_¿mer ~±H$ Ïdhma

H$a mg gmono d gmo rÒH$a Omdo ÂhUyZ AmÂhr nyU© ‡ÀZ H$È. Aem AO©Xma d JmhH$mßZm

gmo rÒH$a YmoaU, CÀnmXZo d godmßMm mV g_mdoe Agob.

I. VwÂhmbm ~±qH$J godm _i mV gwYmaUm hmoB©b Aem ‡Umbr d n’V Vma H$a mMm ‡ÀZ H$È.

J. AmÂhr Am_¿m emImß_‹o AmU EQ>rE__‹o Ï∫$e: oUo Vw_¿mgmR>r AYH$ gmo rÒH$a

H$a mMm ‡ÀZ H$Í$. AmÂhr ~±Ho$¿m emImß_‹o AmU EQ>rE__‹o a±n AmU aoqbJ Cma mMm

‡ÀZ H$Í$ OoUoH$Í$Z ¡o> ZmJ[aH$mßZm AmU AnßJ Ïq∫$Zm ~±Ho$¿m ddY gwdYmßMm bm KoVm

oB©b.

K. Vw_¿mer gßdmX gmYUmËm Am_¿m H$_©MmËmßZm Vw_Mo ~±qH$J Ïdhma H$aVmZm VwÂhmbm _XV

H$a mgmR>r ‡moÀgmhZ XoD$.

L>. m gßhVo_‹o XboÎm BVa gd© ~mßYrbH$s edm -

i. AmÂhr AmnÎmbm WmoMV AJH$_ XoD$. ~±qH$J Ïdhma d VH$ma ZdmaU m_‹o d° pä VH$

godm Xo mMm ‡ÀZ H$È.

ii. ~±qH$J hm∞b_‹o ~g mMr gwdYm Xo mMm ‡ÀZ H$È.

iii. EH$ IS>H$s n’V¤mao VwÂhmbm Am_¿m godm Xo mMm ‡ÀZ H$È.

iv. VwÂhr ZpÌMV Ho$boÎm _m©Xon™V, VwÂhr ‡mYH•$V Ho$boÎm Ïpä Vbm ÀmZo ‡mYH$ma nÃ d

nmg~wH$ gmXa Ho$bo Va n°go H$mT> mMr nadmZJr XoD$.

v. deof n[apÒWVr_‹o Ogo AmOmanU, emIo_‹o ‡Àj oD$ Z eH$Uo B. doir Kar godm

11. Oo> ZmJ[aH$ d AnßJ Ïpä V

54


(S>moAaÒQ>on ~±qH$J) Xo mMm ‡ÀZ H$È (Ogo aä H$_ ÒdrH$maUo / ImÀm_‹o MoH$ / S>rS>r

B. O_m H$aUo qH$dm aä H$_ nmoMdUo / MoH$¿m ~XÎmV S>rS>r XoUo / boIr _mJUr)

70 dfm™hZ AYH$ dm¿m ¡o> ZmJ[aH$mßgmR>r AmU AnßJ Ïq∫$gmR>r qH$dm emar[aH$

dH$bVm AgUmËm Ï∫$s®gmR>r (d°⁄H$s—ÓQ>Á ‡_mUV XrK©H$mbrZ amoJ qH$dm AnßJÀd

AgUo), mß_‹o —Ô>rZo AnßJ (AßY) Ï∫$s g_mdÔ>, AmÂhr nmmyV ~±qH$J gwdYmßgmR>r

KanmoM ~±qH$J nwad mMm EH$dMmamZo ‡ÀZ H$Í$, CXm. Aem JmhH$mß¿m dmÒVyß_‹o/Kar

OmD$Z nmdVr~XÎmV amoI AmU gmYZo KoUo, S>r_mßS> S¥>m‚Q> nmohmoMdUo, Ho$dmgr H$mJXnÃo

AmU hmVrMm XmIbm gwnyX© H$aUo.

vi. Zd•ŒmdoVZYmaH$mßZm Àmß¿m ImÀmV O_m hmoUmËm Zd•ŒmdoVZm¿m aH$_oMo ddaU Agbobr

no›eZ Òbrn XoD$.

vii. deof n[apÒWVrV Zd•ŒmdoVZ Vw_¿m Kar Xo mMm ‡ÀZ H$È.

viii.VwÂhr (no›eZa) gwnyX© H$aUo AmdÌH$ Agbobm hmVrMm XmIbm AmÂhr Am_¿m ~±Ho$¿m

H$moUÀmhr emIo_‹o ÒdrH$mÍ$, d mgmR>r _mhVrMo H|$–rH$aU H$Í$.

ix. Am∞Q>P_, goao~b nmÎgr, _|Q>b [aQ>mS>eZ AmU ~hAnßJÀd AgboÎm Ïpä V®¿m ZmVodmB©H$

/ nmbH$mßZm amÔ¥>r dÌdÒV AYZ_ 1999 Imbr H$mXoera nmbH$ H$gm Zwä V H$amdm

mMo _mJ©Xe©Z H$È ÂhUOo Vmo Aem Ïpä V®Mo ImVo CKSy> eHo$b d Mmbdy eHo$b.

x. H$moUVmhr oXmd Z H$aVm AßY Ïpä V®Zm gd© ~±qH$J gwdYm Ogo MoH$ ~wH$, EQ>rE_, ZoQ>

~±qH$H$, bm∞H$a, \w$Q>H$i H$O©, Ho$S>Q> H$mS>© B. gagH$Q> XÎm OmVrb mMr H$miOr KoD$.

xi. ddY ~±qH$J gwdYmßMm bm KoVm mdm ÂhUyZ AßY Ïpä V®Zm AmÂhr eä VodT>r _XV H$È.

xii. AmÂhr Z_VnUo ~°R>H$m AmmoOV H$a mMm ‡ÀZ H$È, ÂhUOo VwÂhmbm Vw_Mo ÂhUUo

gmßJVm oB©b d EH$ÃV AZw dmMm \$mXm hmoB©b.

H$. VwÂhr dÌdmg R>odmdm Aem gwajV d ImÃrera no_|Q> gÒQ>r_Mm bm KoD$ eH$mb, mgmR>r AmÂhr

nyU© ‡ÀZ H$È.

I. gwajm ÏdÒWoMm EH$ mJ ÂhUyZ AmÂhr OoWo Ïdhm© Agob VoWo grgrQ>rÏhr bmdy KoD$ ¡m_wio

moΩ bj R>odbo OmB©b.

12. Vw_¿m ImÀmMr gwajm

12.1gwajV d ImÃrera ~±qH$J d no_|Q> gÒQ>r_

55

12.2 AmÂhr ÒdV:bm A⁄mdV R>ody

12.3 Vw_Mo ImVo VnmgUo (bj R>odUo)

12.4 H$miOr KoUo

H$.Vw_Mo Zmd, nŒmm, Q>obr\$moZ H$. d B©-_ob A∞S¥>og Am_¿mH$S>o Zm|Xdbm JoÎmMr ImÃr H$ÈZ øm,

ÂhUOo VwÂhmbm AmÂhr AmdÌH$ AbQ>© nmR>dy eHy$.

I.H•$nm VwÂhr Vw_Mo Zmd, nŒmm ~Xbmb VoÏhm Zmd AmU nŒmVrb ~XbmMm nwamdm AmdÌH$VoZwgma

AmYmaXmr H$mJXnÃmßgh, \$moZH$_mßH$ AmU B©_ob AmS>r AmÂhmbm Àd[aV H$idmb mMr ImÃr

H$am, ¡mmoJo AmÂhr AmdÌH$ Agob VoÏhm Vw_¿mer gßnH©$ gmYy eHy$.

H$.AmÂhr VwÂhmbm gwMdVmo H$s VwÂhr Vw_Mo ddaUnÃ qH$dm nmg~wH$ Zoh_r VnmgV Om d Oa EImXr

Zm|X VwÂhmbm MwH$sMr dmQ>br Va eä Vmo bJoM AmÂhmbm H$idm ÂhUOo AmÂhr Vr VnmgyZ nmh,

‡Àj Zmdo (S>maoä Q> S>o~Q>) AmU ÒWmr AmXoe Zoh_r VnmgV amhÎm_wio Vw_Mo n°go VwÂhmbm

nmhOo VoWoM JoÎmMr ImÃr nQ>ob.

I.Oa Vw_¿m ImÀmVrb EIm⁄m ÏdhmamMr Mm°H$er H$a mMr AmÂhmbm JaO dmQ>br Va Am_¿mer

d Oa AmÂhmbm AmdÌH$Vm dmQ>br Va nmobrg / BVa VnmgUr EO›grer ghH$m© Ho$bo nmhOo.

Vw_Mo ImVo gwajV R>odUo d R>H$~mOr / KmoQ>mim Q>mi mg _XV H$a mgmR>r Vw_Mo MoH$, nmg~wH$ d BVa

gwajm _mhVr mßMr H$miOr KoUo JaOoMo Amho. mgmR>r H•$nm Imbrb gyMZm nmim.

H$. ho H$È ZH$m :

i. Vw_Mo MoH$~wH$ AmU H$mS>© EH$Ã R>ody ZH$m.

ii. H$moam MoH$ (YZmXoe) ghr H$Í$Z R>ody ZH$m.

iii. Vw_¿m ImÀmMo Vnerb, nmgdS>© qH$dm BVa gwajmdfH$ _mhVr H$moUmbmhr XoD$ ZH$m.

I.Vw_¿m H$mS>© / MoH$~wH$Mm J°admna Q>mi mgmR>r H$m H$amdo ho AmÂhr VwÂhmbm gmßJy.

J. Oa Vw_Mo MoH$~wH$, nmg~wH$ qH$dm EQ>rE_ / S>o~Q> H$mS>© hadbo qH$dm Mmoar Pmbr Agob qH$dm BVa

H$moUmbm Vw_Mm AmoiIH$_mßH$ qH$dm BVa gwajV _mhVr H$ibr Agob Aem n[apÒWVrV AmÂhmbm

H$idÎmda AmÂhr ÀmßMm J°admna amoI mgmR>r Vm~S>Vmo~ nmdbo CMby. nZ / nmgdS>©

(nadbrMm e„X) H$moUmbm H$iÎmg VwÂhr Vmo Vm~S>Vmo~ ~XbUo JaOoMo Amho.

K. Oa VwÂhmbm Agm gße qH$dm ImÃr Agob H$s Vw_Mo MoH$~wH$, nmg~wH$, H$mS>© hadbo Amho qH$dm

Mmoabo Amho qH$dm BVa H$moUmbm Vw_Mm AmoiI H$_mßH$, nmgdS>© qH$dm BVa gwajV _mhVr H$ibr

Amho Va VwÂhr Vo AmÂhmbm Vm~S>Vmo~ H$idUo AmdÌH$ Amho.

56


**********

L>.Vw_Mo ZwH$gmZ VwÂhr Am_¿m 24 Vmg Q>mob \$s Zß~ada gmßJy eH$Vm AmU Ver boIr nwÔ>r

Vm~S>Vmo~ nmR>dy eH$Vm qH$dm Am_¿m B©-_ob nŒmda H$idy eH$Vm.

M. AmÂhmbm gyMV H$ao n™V¿m doioV Oa H$mhr J°admna Pmbm Va Àmbm VwÂhr O~m~Xma Agmb.

H$.MoH$Mo ‡XmZ Wmß~d mgmR>r qH$dm Xbobr ÒWmr gyMZm qH$dm naÒna ImVr Zm|X a‘ H$a mgmR>r

AmÂhmbm boIr H$idm.

I.Vw_¿mH$Sy>Z H$moUVmhr AmXoe _mJo Ko mMr gyMZm AmÂhr ÒdrH$mÍ$. ÀmgmR>r bmmWu / ‡moä V

gßÒWm (~oZo\$ear / wOa Bp›ÒQ>Q>ÁyQ>) H$Sy>Z nyd© _m›Vm / gß_V Ko mMr AmdÌH$Vm Zmhr.

J. Oa ‡XmZ a‘ H$a mMm Vw_Mm ZU© VwÂhr AmÂhmbm gyMV Ho$bm Zmhr Va ‡XmZo a‘ H$aUo eä

hmoUma Zmhr.

K. Ho$S>Q> H$mS>©Mr ‡XmZo a‘ H$aUo hr Àm¿m AQ>r d eVu¿m AYrZ AgVrb.

Oa VwÂhr A\$amV\$a Ho$brV Va Vw_¿m ImÀmMo hmoUmao gd© ZwH$gmZ hr Vw_Mr O~m~Xmar Agob. Oa

VwÂhr moΩ H$miOr KoVbr Zmhr d Àm_wio Vw_Mo ZwH$gmZ Pmbo Va Àmbmhr VwÂhrM O~m~Xma Agmb.

12.5 ‡XmZ (no_|Q>) a‘ H$aUo

12.6 ZwH$gmZrMr O~m~Xmar

57

OmoS>nÃ - e„XmW©

AmYma no :

A∞n :

EQ>rE_ (Automated Teller Machine)

~±qH$J bmoH$nmb

~±qH$J AmCQ>boQ> :

r_ :

H$mS>©

Ho$S>Q> H$mS>©

gXa Ïmªm H$moS>_‹o AmboÎm e„XmßMo AW© d AQ>r mßMr _mhVr XoVo. Vo H$mXoera H$ßdm VmßÃH$ ZmhrV.

EH$ _mo~mB©b A∞m Oo ~mmo_oQ¥>H$ H$mS>© dmnÍ$Z S>OQ>b no_|Q> H$Í$ XoVo.

A∞n ho A∞pflbHo$eZ m e„XmMo gßj· Í$n Amho. A∞pflbHo$eZ hm EH$ gm∞‚Q>doAa ‡moJ∞_ AgVmo ¡mMr aMZm

dmnaH$ËmgmR>r EH$ deÔ> H$m nma nmS> mgmR>r Ho$bobr AgVo.

EQ>rE_ _eZ¤mao JmhH$ ÀmMo nZ (PIN) AmoiIH$_mßH$ dmnÈZ n°go H$mT>Uo, BVa _mhVr d BVa godm _idy

eH$Vmo.

EH$ ÒdVßÃnUo dmX ZdmaU H$aUmar ‡mYH•$V gßÒWm, Or [aPÏh© ~±Ho$Zo Ïpä V AmU N>moQ>Ám gßÒWmßZm Àmß¿m

~±H$mer hmoUmËm dmXmVyZ VmoS>Jm H$mT> mgmR>r Z_m©U Ho$br Amho.

EH$ ZV R>H$mUMo godmXmr wZQ>, OWo ~±Ho$Mo H$_©Mmar qH$dm ÀmßMo Ïdgm ghmoJr AgVmV, d OWo R>odr

ÒdrH$ma m¿m, YZmXoe dQ>d m¿m/amoI a∏$_ H$mT> m¿m qH$dm n°go CgZo Xo m¿m godm AmR>dS>ÁmVyZ

H$_mZ nmM Xdg XaamoO H$_mZ Mma Vmg nwadÎm OmVmV.

maV BßQ>a\o$g \$m∞a _Zr ho _mo~mB©b A∞n Z∞eZb no_|Q≤>g H$m∞nmaoeZ Am∞\$ BßS>m (EZnrgrAm) Zo dH$gV

Ho$bobo AgyZ ho wZ\$mBS> no_|Q> BßQ>a\o$g (wnrAm) da ~oVbobo Amho.

EH$ flb∞pÒQ>H$Mo H$mS>©, Oo JmhH$ dÒVy AmU godmßMm _mo~Xbm Xo mgmR>r qH$dm n°go H$mT> mgmR>r dmnaVmo. m

gßHo$V gßhVo_‹o S>o~Q>, Ho$S>Q>, Ò_mQ>© d EQ>rE_ H$mS>©Mm g_mdoe Ho$bm Amho.

58


Ho$S>Q> H$mS>© ho Ho$S>Q> gwdYm _iUmao flb∞pÒQ>H$Mo H$mS>©. mZo VwÂhr gm_mZ d godmßMo ~bo XoD$ eH$Vm qH$dm n°go

H$mTy> eH$Vm.

doJdoJm ÒWmZH$ d ~mhoaJmd¿m ~±H$mßMo MoH$ d nr.Amo./S>r.S>r. B. Àm Àm ImÀmV O_m H$a mgmR>r

~±H$m_‹o O_m Ho$b OmVmV. m ¤mao Imbrb H$m_o Ho$br OmVmV.

∑MoH$ dH$V Ko mMr dZßVr

∑ MoH$ O_m H$a mgmR>r doioMr _m©Xm

∑MoH$ O_m H$a mg dbß~ PmÎmg ÏmO XoUo

∑ ÒWmZH$ d ~mhoaJmdMm MoH$ Vm~S>Vmo~ O_m H$aUo

∑ MoH$ / B›ÒQÆ>_|Q>g≤ gßH$_Um XaÂmZ hadÎmg d Vmo O_m H$a mgmR>r bmJUmam AmH$ma

¡mMo ~±Ho$V ImVo Amho Aer Ïpä V (¡m_‹o XgËm Ïpä V~amo~a gß wä V ImVo qH$dm _•ÀwnÃ ÏdÒWmnH$

qH$dm dÌdÒV qH$dm h›X Adä V Hw$Qw>ß~mMm H$Vm© ÂhUyZ ImVo mßMm g_mdoe hmoVmo. naßVw EH$Q>m Ïmnmar /

‡mo‡mQ>aern, mJrXmar, Hß$n›m, ä b~ AmU gmogmQ>r mßMm g_mdoe hmoV Zhr) qH$dm Oo ~±Ho$Mr BVa CÀnmXZo

/ godm mßMm dmna H$aVmV.

hm EH$ _mJUrZwgma R>odrMm ‡H$ma Amho. AWm©V Àm ImÀmVrb eÎbH$ aH$_oda AmYm[aV qH$dm R>amdH$ aä H$_

H$Vrhr doim H$mT>Vm oVo.

¡m R>od ImÀmMm ImVoXma _•V Pmbm Agob qH$dm gß wä V ImÀmMm EH$ qH$dm AYH$ ImVoXma _•V Pmbo

AgVrb Ago ImVo _•V Ïpä VMo ImVo _mZbo OmVo.

S>r_∞Q> ImVo ÂhUOo S>r_Q>o[abmB©¡S> ImVo, ¡m_‹o JwßVdUyH$XmamMo amoIo Bboä Q¥>m∞ZH$ _m‹_m_‹o AgVmV.

MoH$ dgyar H$a mMo YmoaU

JmhH$

Mmby ImVo

_•V Ïpä VMo ImVo

S>r_∞Q> ImVo

59

R>od ImVo

Bpä dQ>r

Bboä Q¥>m∞ZH$ pä bA[a®J gpÏh©g (B©grEg)

ZpÌMV ÏmOXa

VaßJVm ÏmOXa

h_r

gaH$mar amoIo

∑ ~MV ImVo - R>amdH$ H$mim_‹o n°go H$mT> mMr aH$_oZwgma d doioZwgma _m©Xm Agbobo _mJUr R>od Amho.

∑ _wXV R>od - ÂhUOo R>amdH$ H$mimgmR>r ~±Ho$_‹o R>odbobr R>od Or _wXV gßnÎmZßVaM H$mT>Vm oVo. m_‹o

nwZamdVu R>od / XflnQ> bm R>od / H$_r H$mimgmR>r R>od / ZpÌMV R>od / _mgH$ CÀnfi ‡_mUnÃ /

Ã°_mgH$ CÀnfi ‡_mUnÃ B. Mm g_mdoe hmoVmo.

∑ ZmoQ>rg R>od - ÂhUOo R>amdH$ H$mimgmR>r R>odbobr _wXV R>od, nU EH$ nyU© ~±qH$J XdgmMr ZmoQ>rg XoD$Z hr

R>od H$mTy>Z KoVm oVo.

Bpä dQ>r ÂhUOo H$m∞nmaoQ> gßÒWo¿m mßS>dbmMm mJ, Omo Hß$nZrMo eoAg© ÂhUyZ dmÒVdH$ qH$dm

S>r_Q>o[abmB¡S> ÒdÈnmV AgVmo.

g_memoYZ H|$–mMr godm dmnÈZ EH$m ~±H$ ImÀmVyZ XgËm ~±H$ ImÀm_‹o Bboä Q¥>m∞ZH$ _m‹_mZo n°go

nmR>d mMr gmo .

H$Om©darb ZpÌMV Ho$bobm ÏmOXa ÂhUOo H$Om©¿m nyU© H$mbmdYrgmR>r ZpÌMV Ho$bobm Xa AWdm AQ>r d

eVuZwgma Vmo nhÎm H$mhr dfm©ZßVa nw›hm ~XbyZ KoVm oVmo.

H$Om©darb VaßJVm (~XbVm ÏmOXa) ÂhUOo Agm ÏmOXa Omo ZpÌMV Ho$bobm Zmhr naßVw gßX© Xamer gß~ßYV

Amho, d H$Om©¿m AQ>r d eVuZwgma gßX© XamV Oa ~Xb hmoVrb Àm‡_mUo doJdoJim Agob.

‡mW_H$V: O~m~Xma AgUmËm Ï∫$sZo H$gya Ho$Îmg XgËm Ï∫$sMo H$Om©Mm aUm qH$dm ~ßYZmMr nyV©Vm

H$a mMo AmÌdmgZ XoUmao EH$ boIr dMZ.

gaH$maZo gmd©OZH$ H$O© Co H$a mgmR>r Z_m©U Ho$bobr d Omar Ho$bobr ‡VyV qH$dm amoIo

60


gw· qH$dm A‡dVu ImVo

AmE_nrEg :

amÔ¥>r Bboä Q¥>m∞ZH$ g_memoYZ godm :

amÔ¥>r ÒdßMbV g_memoYZ J•h

EZB©E\$Q>r

Zm_ZXeZmMr gmo / gwdYm

VmarI CbQ>bobm (ÒQ>ob) MoH$

n∞Z (PAN)( d° pä VH$ ImVo H$_mßH$)

¡m_‹o ZXmZ XmoZ dfm© nmgyZ EH$hr Ïdhma Pmbobm Zmhr Ago ~MV qH$dm Mmby ImVo.

B_S>EQ> no_|Q> gpÏh©g hr _mo~mB©b \$mo›g_YyZ BßQ>a~±H$ Bboä Q¥>m∞ZH$ B›ÒQ>ßQ> _mo~mB©b _Zr Q¥>m›g\$a gpÏh©g

(AmßVa~±H$s Bboä Q¥>m∞ZH$ VmÀH$mi _mo~mB©b ZYr hÒVmßVaU godm) Amho.

hr maVr [aPÏh© ~±Ho$Zo (Ama~rAm) maVm¿m gr_o_‹o Bboä Q¥>m∞ZH$ ZYr hÒVmßVaUmgmR>r gwÈ Ho$bobr

ßÃUm Amho.

hm ~±H$mßZm, AmW©H$ gßÒWmßZm, H$m∞nmaoQ> AmU emgZmbm AmßVa~±H$s, _moR>Ám _mnmMo Bboä Q¥>m∞ZH$ Ïdhma

H$a mgmR>rMm EH$ do~ AmYm[aV _ßM Amho.

Z∞eZb Bboä Q¥>m∞ZH$ \ß$S> Q¥>m›g\$a (EZB©E\$Q>r) n’Vr hr amÔ¥>r ÒWamdarb n°go nmR>d mMr n’Vr Amho.

¡m¤mao XoemVrb EH$m ~±H$ emIoVyZ XgËm ~±H$ emIoV H$moR>ohr n°go nmR>dVm oVmV.

Zm_ZXeZm¿m gwdYo_wio ~±H$ ho H$È eH$Vo : ImVoXmam¿m _•Àw ZßVa Àm¿m ImÀmV O_m Agbobr aä H$_

ÀmZo Zm_ZXeV Ho$boÎm Ïpä Vbm XoVm oVo. ImVoXmamZo Àm¿m gwajm H$jmV R>odboÎm dÒVy Àm¿m _•Àw

nÌMmV Zm_ZXeV Ïpä Vbm naV H$aVm oVmV. ImVoXmamZo ~±Ho$Mm bm∞H$a mS>ÁmZo KoVbobm AgÎmg

ÀmVrb dÒVy Zm_ZXeV Ïpä Vbm XoVm oVmV.

MoH$ Omar Ho$ÎmZßVa VrZ _h›mßZr O_m H$a mgmR>r Xbobm MoH$

d° pä VH$ ImVo H$_mßH$ (PAN) AmH$a dmJmZo Xbobm Xhm Ajao d AßH$ _iyZ Vma Ho$bobm H$_mßH$ Omo nyU©

maVm_‹o doJim (wZH$) H$_mßH$ AgVmo. hm H$_mßH$ b∞_ZoQ>oS> H$mS>©¤mao Xbobm AgVmo. hm H$m_ÒdÍ$nr

H$_mßH$ AgyZ H$aXmÀm¿m ahdmgm¿m nÌMmV ~Xb Pmbm ÂhUyZ qH$dm H$_mßH$ XoUmam AYH$mar ~Xbbm

61

ÂhUyZ Vmo ~Xbbm OmUma Zmhr.

EH$ ~±qH$J AmCQ>boQ> Oo AmR>dS>ÁmVyZ H$_mZ nmM Xdg XaamoO H$_mZ Mma Vmg godm nwadVo.

Ajao qH$dm AßH$ qH$dm Ajao d AßH$ gß w∫$nUo, Oo JmhH$mZo ZdS>bo Agob Agm EH$ H$moS>, ¡m_wio Àmbm \$moZ

qH$dm BßQ>aZoQ> ~±qH$J godm dmnaVm oVo, nmgdS>© AmoiI nQ>d mgmR>r gw’m dmnabm OmVmo.

hm JmonZr H$_mßH$ AgyZ H$mS>m©gh hm H$_mßH$ dmnÍ$Z JmhH$ dÒVy / godmßMm _mo~Xbm XoD$ eH$Vmo, n°go H$mTy>

eH$Vmo AmU ~±Ho$Zo XoD$ Ho$boÎm BVa Bboä Q¥>m∞ZH$ godmßMm dmna H$È eH$Vmo.

nrAmoEg qH$dm ÒdmB©n _erZ m bmoH$‡ ZmdmZo AmoiIbo OmUmao ho EH$ VßÃkmZmÀ_H$ gmYZ AgVo Oo Ïmnmar

AmÒWmnZmßZm (E_B©) amoIahV ÏdÒWoV JmhH$mßZm dÒVy qH$dm godmßMr dH$s H$a mgmR>r nwadbo OmVo. JmhH$mbm

Ho$di ÀmMo S>o~Q>, Ho$S>Q> qH$dm ‡rnoS> H$mS>© ÒdmB©n H$amdo bmJVo.

AmaQ>rOrEg ÂhUOo [ab Q>mB©b Jm∞g goQ>b_|Q>. ~±H$mß¤mao ZYr nmR>d mMr hr gdm©V ObX n’V Amho.

AmaQ>rOrEg _‹o EH$mg EH$ Agm Ïdhma hmoVmo. ¡mbm Jm∞g goQ>b_|Q> Ago ÂhUVmV d [ab Q>mB©_ ÂhUOo

dmQ> Z nhmVm Vm~S>Vmo~.

hm ~±H$mßMm ~|M_mH©$ Xa AgVmo. ~XbÀm Xamda AmYm[aV Oo H$O© _ßOya Ho$bo OmVo ÀmgmR>r gßX©Xa bmJy hmoVmo.

‡ÀoH$ ~±H$ Àmß¿m ZrVrZwgma gßX© Xa R>adVo qH$dm ~XbV AgVo.

60 df© dmnojm OmÒV dmMr Ïpä V ¡o> ZmJ[aH$ AgVo.

WH$~mH$sMr naV\o$S> H$a mH$[aVm ~±Ho$Zo XoD$ Ho$boÎm "EH$doi heo~nyVu' (AmoQ>rEg) moOZoAßVJ©V heo~nyV©

nmQ>© Q>mB©_ ~±qH$J AmCQ>boQ>

nmgdS>©

nZ (PIN) d° pä VH$ AmoiI H$_mßH$

nrAmoEg (nm∞BßQ> Am∞\$ goÎg)

AmaQ>rOrEg (RTGS)

ao\$a›g aoQ> - gßX© Xa

¡o> ZmJ[aH$

heo~nyV© ImVo

62


Pmbobo F$U ImVo. mVyZ Ago ZXe©V hmoVo H$s F$UH$moZo H$mhr a∏$_ abr Agbr Var H$XmMV _ybV: _m›

Ho$ÎmZwgma Vr nyU©nUo abr Zmhr. Aem heo~nyVu PmboÎm ImÀmßMr _mhVr F$UH$moMm F$U BVhmg

A⁄mdV H$a mgmR>r grAmgtZm nmR>dbr OmVo.

Ò_mQ>© H$mS>© ho Ho$S>Q> H$mS>©¿m AmH$mamMo flb∞pÒQ>H$Mo H$mS>© AgVo ¡m_‹o _mH$moMn KmVbobr AgVo,

O¿m_wio _mhVr ‡mogog hmoVo. Ò_mQ>© H$mS>©_wio _mhVrMr gmR>dU, AmoiI d AYH•$VVm gwajV ahmVo. ho H$mS>©

Q>ob\$moZ H$m∞b H$a mgmR>r, Bboä Q¥>m∞ZH$ n’VrZo n°go Xo mgmR>r d BVa JaOmßgmR>r dmnaVm oVo.

~±H$ AmnÎm JmhH$mßZm Àmß¿m CÀnmXZo d godmßgmR>r Oo ewÎH$ / AmH$ma bmdVo ÀmMr _mhVr eoS>Áwb_‹o

Xbobr AgVo.

EH$ n°go a mMr ßÃUm Or EH$m nyd©ZmoOV B©_ob AmS>rdÍ$Z, Ò_mQ>© \$moZ dmnÍ$Z XmoZ ~±H$ ImÀmß_‹o

ZYr hÒVmßVaU H$Í$ XoVo.

~±Ho$H$Sy>Z "AZnoS>' (MwH$Vm Z Ho$bobm) ÂhUyZ naV Ambobm MoH$.

Ò_mQ>© H$mS>©

Q>o[a\$ eoS>Áwb

wZ\$mBS> no_|Q> BßQ>a\o$g (wnrAm)

AZnoS> (AXŒm) MoH$

63

AZw

H$.

1. ~MV ImVo

OmoS>nÃ 1

gd©g_mdoeH$ gyMZm \$bH$mMo ÒdÍ$n

A.JmhH$ godm _mhVr:

~. godm ewÎHo$:

(------------- n™V A⁄mdV)

AmÂhr nwadV AgboÎm godm ‡Xe©V Ho$Îm AmhoV

1. AmÂhr R>odtdarb ‡_wI ÏmOXa AmU dXoer MbZmMo Xa emIo_‹o doJio ‡Xe©V Ho$bo AmhoV.

2. gd© R>od ImÀmßda, go\$ H$ÒQ>S>rVrb AmU go\$ S>nm∞PQ> Ïhm∞ÎQ≤>g_Yrb dÒVyßda Zm_ZXeZmMr gwdYm Cnb„Y Amho.

3. AmÂhr KmU AmU N>fidN>fi ZmoQ>mßMm dZ_ H$aVmo.

4. AmÂhr gd© _yÎmßMr ZmUr ÒdrH$maVmo/~XbyZ XoVmo.

5. H•$nm ÒWmZH$ AmU naJmdMo YZmXoe Jmobm H$a mgmR>r¿m bmJy H$mb_m©XoH$[aVm Am_Mo YZmXoe gßH$bZ YmoaU dmMm.

6. g_mYmZH$maH$ ImÀmßgmR>r, AmÂhr È ------- n™V¿m naJmd¿m YZmXoemMo VmÀH$mi Ho$S>Q> XoD$ H$aVmo (H•$nm YZmXoe gßH$bZ YmoaU dmMm).

7. ~±Ho$Mm ~rnrEbAma (~|M_mH©$ ‡mB©_ b|qS>J aoQ>)/E_grEbAma (_mO©Zb H$m∞ÒQ> Am∞\$ b|qS>J aoQ>) AmU ÀmMm ‡mdr XZmßH$.

ImVo ‡H$ma

H$_mZ eÑ H$ AmdÌH$Vm

(_mgH$/Ã°_mgH$/AY©dmf©H$)

`

VMo OVZ Z PmÎmg

ewÎHo$

`

H$.JmËhm mMo ZdmaU:

1. Oa Vw_Mr H$mhr JmËhmUr/VH$mar AgVrb, Va mß¿mH$S>o Om :

2. Oa Vw_¿m VH$marMo emIm nmVirda ZdmaU Pmbo Zmhr, Va VwÂhr Am_¿m ‡mXoeH$/joÃr ÏdÒWmnH$mH$S>o oWo OmD$ eH$Vm : (nŒmm)

3. Oa Am_¿m VH$ma ZdmaUmZo Vw_Mo g_mYmZ Pmbo Zgob, Va VwÂhr ~±H$ bmoH$nmbmH$S>o oWo OmD$ eH$Vm : (Zmd, nŒmm, Xa‹dZr H$_mßH$ AmU B©_ob A∞S¥>og ⁄mdm)

64


S>.XÎm OmUmËm BVa godm :

B©. nwpÒVHo$¿m ÒdÍ$nmV Cnb„Y _mhVr:

1. AmÂhr S>OQ>b no_|Q> AmU godmgw’m XoD$ H$aVmo.

2. AmÂhr "_ybyV ~MV ~±H$ R>od ImVr' CKS>Vmo.

3. AmÂhr WoQ> H$a gßH$bZ ÒdrH$maVmo. (H•$nm MbmZmda n∞Z/Q>∞Z ⁄m. MbmZ S¥>m∞n ~m∞ä g_‹o Q>mHy$ ZH$m).(Oa ~±H$ Ago H$aV Agob Va)

4. AmÂhr np„bH$ ‡mopÏhS>ßQ> \ß$S> ImVr CKS>Vmo (Oa ~±H$ Ago H$aV Agob Va)

5. oWo ¡o> ZmJ[aH$ ~MV moOZm, 2004 am~dbr hmoVo (Oa ~±H$ Ago H$aV Agob Va)

6. maV gaH$ma¤mao AmU am¡ emgZm¤mao ‡mmoOV nßV‡YmZ amoOJma moOZm / BVa moOZm oWo am~dÎm OmVmV. (Oa ~±H$ Ago H$aV Agob Va)

7. AmÂhr E_EgE_B© H$O/CÀnmXZo/_w–m H$O XoVmo.

8. AmÂhr H$gmZ Ho$S>Q> H$mS>© ZJ©_V H$aVmo (Oa ~±H$ Ago H$aV Agob Va)

9. nßV‡YmZmß¿m ZdmaU ZYrgmR>r¿m XoUΩm oWo ÒdrH$maÎm OmVmV.

(H•$nm "AmÂhr AmnUmßg _XV H$Í$ eH$Vmo H$m?' H$mDß$Q>a da Om)

1. darb (A) Vo (S>) _‹o CÑ oIV gd© ~m~r.

2. MbZ dZ_ gwdYmßgmR>r ZmJ[aH$mMr gZX.

3. gd©gm_m› ÏdhmamßgmR>r doioMo Z_.

4. gd© ~±H$ ZmoQ>mßMr aMZm AmU gwajmdfH$ d°eÓQ>Áo.

5. R>odr, YZmXoe gßH$bZ, JmËhmUr ZdmaU ßÃUm, anmB©, XmÀdmßMo gßH$bZ AmU ‡VyVrßMm nw›hm H$„Om, JmhH$ AYH$ma YmoaU AmU JmhH$ gwajm YmoaU.

6. gßnyU© godm ewÎHo$, m_‹o dZmewÎH$ XÎm OmUmËm godmgw’m g_mdÔ>.

7. ›mÊ H$m©n’Vr gßhVm/Ho$S>Q> H$mS>© n[aMmbZmMr ›mÊ H$m©n’Vr gßhVm/~±Ho$¿m JmhH$mßer AgboÎm dMZ>~’VoMr gßhVm/gy _ AmU bKw Ïdgmmßer AgboÎm dMZ>~’VoMr gßhVm.

dmÒVy~mhoa nwadmdmMr _mhVr :

-~±Ho$Mo/emIoMo Zmd :

-gm·mhH$ gwQ>r :

-gm·mhH$ emIm Zm∞Z-~±qH$J XZ :

-emIo¿m H$m_H$mOmMr doi:

65

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m gßhVoMr Z_©Vr ~±qH$J H$moS> d _mZH$ ~moS>© (~rgrEg~rAm) ¤mao maVr [aPÏh©

~±H$, BßS>Z ~±ä g AgmogEeZ (maVr ~±H$ gßK) d gmgX ~±H$mß¿m ghmoJmZo

Ho$br Amho. m gß[hVoMm _wª C‘oe MmßJÎm d ZÓnj ~±qH$J ‡H$oMm ‡H$ma,

H$_mZ XOm© ZpÌMV H$aUo, nmaXe©Vm dmT>dUo, C¿MVa n[aMmbZ XOm© _idUo

AmU Àmhr nojm MmßJbo ~±H$a - JmhH$ gß~ßY dmT>dUo hm Amho, ¡m_wio gm_m›

_mUgmMm ~±qH$J ‡Umbr _‹o dÌdmg H$m_ amhrb.

~rgrEg~rAmMr ÒWmnZm \o$~wdmar 2006 _‹o ÒdVßÃ gßÒWm ÂhUyZ Ho$br Jobr d

ÀmMm C‘oe ~±H$mßZr ÒdrH$maboÎm ~±qH$J H$moS> d _mZH$mMo AZwnmbZ ~±H$m JmhH$mßZm

godm XoV AgVmZm moΩ ‡H$mao H$arV AmhoV mda bj R>odUo d ZpÌMV H$aUo hm

hmoVm.

~rgrEg~rAmZo XmoZ ‡H$ma¿m gßhVm ~ZdÎm AmhoV - JmhH$mß‡V ~±H$mß¿m

~mßYbH$sMr gßhVm AmU gw _ d bKw C⁄moJmßgmR>r ~±H$mß¿m ~mßYbH$sMr

gßhVm. ~rgrEg~rAm¿m gmgX ~±H$m ¡mV AZwgyMV dmU¡ ~±H$m, ehar

ghH$mar ~±H$m AmU joÃr Jm_rU ~±H$mßMm g_mdoe Amho, mßZr hr gßhVm ÒdrH$mabr

Amho.

~rgrEg~rAm Amnbr AH$ÎnZm (S>OmBZ) d AYXoemZwgma VH$ma ZdmaU

\$moa_ Zmhr. VWmn ~rgrEg~rAm ~±H$mßMr YmoaUo, H$m_mMr n’V AmU ‡H$oVrb

H$_VaVo gß~ßYr ‡Umbr _‹o (Oa H$mhr) H$_VaVm Agob Va Vr emoY m¿m —Ô>rZo

VH$mar H$S>o nmhVo AmU Vr Xa H$a mgmR>r H$madmB© H$aVo.

~rgrEg~rAm ~‘b AYH$ _mhVrgmR>r H•$nm www.bcsbi.org.in hr

do~gmB©Q> nhmdr.

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j«mhh$m§à {v ~–h o$À‘m ~m§{ybh$smr g§{hvm - hsbc

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