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#&‹ 1.6.2020 -1-

fyg;glkpy;yhj krhyh J}s;
jahupf;Fk; epWtdj;jpw;F
];lhf;fp];lf ; s; Njit.
nry; : 70109 39107
5 ypl; l H Kjy; rhdpilrH
tpw; g id nra; a jkpofk;
KOtJk; ByHfs; Njit.
nry; : 94436 61146
Ngg;gH Ngf; jahupf;Fk;
epWtdj;jpw;F ByHfs; Njit. MSME- Micro Small and medium Enterprises Development insti-
nry; : 86670 06276 tute, 1954 M« M©L br‹idæš ãWt¥g£lJ.
mz;zhkiy fk;g;a+l;lH bjhêš Kid΢ Áªjid cŸs gyU« brašgh£oš
rk;gpuhzpfis rg;is nra;a Ïw§fhkš ãidÎfSlndna ã‹W éL»wh®fŸ. Ï¥go¥g£l
ByHfs; Njit. M®tKŸst®fS¡F ja¡f« ngh¡» rçahd bjhêš
nry; : 99522 26932 Mnyhridfis¤ jªJ mj‰Fça bjhê‰ gæ‰ÁfisÍ«
ehl;Lr; rHf;fiu rg;is nra;a tH§» tU»wJ.
ByHfs; Njit.
bgça ãWtd§fS¡F mo¤js§fŸ tYthf cŸsjhš
nry; : 81482 48340
mitfë‹ ts®¢Á éçthfΫ, ntfkhfΫ mikªJ éL»wJ.
kfpo;rr; p krhyh epWtdj;jpw;F Mdhš FW, ÁW bjhêš ãWtd§fë‹ ãiy v®gh®¤j
jkpofk; KOtJk; ByHfs; ts®¢Áia miltj‰F äfΫ nghuhl nt©oÍŸsJ.
Njit. nry; : 89736 88011 Ϥjifa ãWtd§fë‹ ts®¢Á¡F FHªijia¡ fh¥gh‰W«
MAHNtjpf; n`Hgy; Nrhg; G jhæid¥ nghy cjÎtš MSME-‹ g§F F¿¥Ãl¤j¡fJ.
epWtdj;jpw;F KjyPll ; hsHfs;
Njit. nry; : 85319 83797 nritfŸ :
1.bjhêšE£g gæ‰ÁfisÍ«, MnyhridfisÍ« ( Technical
/ Technology Training & consultancy / counselling) tH§F»wJ.
fkprd; mbg;gilapy; 2. Âw‹ nk«ghL gæ‰Áfis (Skill Development Programme)
ngUq;fhak; tpw;gid nra;a tH§F»wJ. bjhêš rh®ªj fU¤ju§Ffis (Seminar / Work-
Ml;fs; Njit. shop) el¤J»wJ.
nry; : 70109 39107 3. bjhêš rh®ªj rªÂ¥òfisÍ«, f©fh£ÁfisÍ« (Trade Fair
Wanted Academic Co - / Exhibitions / B2B Meet ) el¤J»wJ.
Ordinators, Marketing Execu- 4.FW, ÁW bjhêš ãWtd§fŸ MSME- æš j§fŸ ãWtd¤ij
tives, Team Leaders Qualifica-
gÂÎ brŒJ MSME / SSI Registration certificate-I bgwyh«.
tion: Any Degree.
5. thŒ¥òfis njo¤ jUtÂY«, muR jU« cjéfshd muR
Cell : 97159 39007
ãÂÍjé, khåa§fŸ, fl‹ thŒ¥òfŸ, rYiffŸ,
jkpofk; KOtJk; ngh‹witfis bg‰W¡ bfhŸtj‰fhd mo¥gil cjé Kjš
khtl;lk; thupahf bjhlU« bjhêš ts®¢Áæ‹ nk«gh£o‰fhd x›bthU
khHf;nfl;bq; nra;a m«r¤ÂY« MSME ia bjhêš KidnthU¡F ešy
Ml;fs; Njit. njhHid¥ nghy cjé brŒ»wJ.
nry; : 93842 97966 6.FGk ãWtd§fë‹ ( MSE Clusters) cUth¡f¤Â‰F«

#&‹ 1.6.2020 -2-

mt‰¿‹ ts®¢Á¡F« cjé search And Development) f©l¿tj‰F www.msmedi-
k‰W« Mnyhridfis ngh‹witfis brašgL¤J chennai.gov.in/ cjλwJ .
tH§F»wJ. tj‰fhd cjéfisÍ«, ÁW,bgU k‰W« FW ãWtd§
7. c‰g¤Â (Productivity) Âw‹ M n y h r i d f i s Í « fS¡F rªij thŒ¥òfis
nk«ghL, bghU£fis tH§F»wJ. nkY« Ït‰iw MSME-I tH§F»wJ.
rªij¥gL¤Jjš (Marketing), brašgL¤Jtj‰fhd 10. bghU£fis rªij¥gL¤J
MŒÎ¡ Tl§fŸ (Laboratories) khåa§fŸ k‰W« ãÂÍjéia tj‰F (Marketing Assistance)
mik¤jš, Áwªj bg‰W jU»wJ. cjλwJ .
f£lik¥òfis (Infrastructure) 8. bjhêš Kidnth® j§fŸ 11.c‰g¤Âahs®fŸ j§fë‹
cUth¡Fjš, òÂa gil¥ò, c‰g¤Â bghU£fis nj®Î c‰g¤Â bghU£fis
gçnrhjid Tl§fŸ brŒtj‰F« (Selection of Prod- btëehLfS¡F V‰Wk (Ex-
mik¤jš, _y¥bghU£fŸ ucts), k‰W« bjhêš port) brŒtj‰F« , j§fS¡F
»£l§» (Raw material Ware- mik¥gj‰fhd Ïl¤Âid (Lo- njitahd _y¥bghU£fŸ
house) mik¤jš, g‹ neh¡F cation) nj®Î¢ brŒtj‰F« (Raw Material) k‰W«
mQFKiw, T£L¢ brašghL, têfh£L»wJ . ÏaªÂu§fis (Machinery)
bghJ éãnahf«, vëjhf T£L 9. c‰g¤Âahs®fŸ k‰W« Ïw¡Fk (Import) brŒtj‰F«
Ka‰Áæš bghU£fis tho¡ifahs®fS¡»ilna têfh£L»wJ.
rªijgL¤Jjš, t®¤jf rªÂ¥òfis (Buyer And Seller
mik¥òfS¡bfd bghJ Meet) el¤J»wJ . Ïj‹ _y« MSME el¤J« bjhêšE£g
F¿pLfŸ, ngh£ofis ÁW k‰W« FW ãWtd gæ‰ÁfŸ:-
rkhë¡F« Âw‹ nk«ghL, c‰g¤Âahs®fŸ j§fŸ bjhêš Kidnth® nk«gh£L
MuhŒ¢Á k‰W« ts®¢Á (Re- bghU£fë‹ tho¡ifahsiu gæ‰Á v‹W 100 tif Ra

#&‹ 1.6.2020 -3-

bjhêš gæ‰Áfis¡ Fiwªj f£lz¤Âš www.msmedi-chennai.gov.in gæ‰Áfis el¤J»wJ .
1. Ïurahd« (Chemical) ,czÎ¥ bghU£fŸ (Food Products) , ÏaªÂuéaš (Mechanical) ,
ä‹rhu« k‰W« ä‹dQ¥ (Electrical & Electronics) rh®ªj gæ‰ÁfŸ.
2.njhš (Leather) rh®ªj bghU£fŸ , k©gh©l« ( Ceramics) k‰W« f©zho (Glass) bghU£fŸ,
Nça xë ä‹rhu« (Solar Power) rh®ªj gæ‰ÁfisÍ« nkY« gy gæ‰ÁfisÍ« tH§F»wJ.
MSME æ‹ »isfŸ :-1.nfha«K¤ö®, 2.ö¤J¡Fo , 3.ÂUbešntè
MSME æ‹ Kftç :-
MSME Devlopement Institute,
Govt. of India, Ministry of MSME,
65/1, G.S.T. Road, Guindy, Chennai-600 032. Tamil Nadu.India.
Phone : 044-2250 1011/12/13, Fax : 044-2250 1014
Email : dcdi-chennai@dcmsme.gov.in / Web Site : www.msmedi-chennai.gov.in

“ÁyU¡F kh®¡bf£o§if g‰¿ bjçªÂU¡F«, Mdhš mj‹

vq;fsplk; kh];f; nkhj;j
tpiyapy; fpilf;Fk;.
nry; : 97880 89300
kur;nrf;fpdhy; Ml;lg;gl;l
vz;nza;fs; nkhj;jkhfTk;>
rpy;yiwahfTk; fpilf;Fk;.
nry; : 99424 21991
1 taJ Kjy; 16 taJ tiu Ú§fns mªj bg©âl« neuoahf br‹W mªj bg©â‹
Mz;fs; mzpAk; Milfs;
nkhj;jkhfTk;>rpy;yiwahfTk;
fpilf;Fk;.
nry; : 86101 88107
Any TSI Vacancy in Pollachi & jh‹. v‹id ÂUkz« brŒJ bfhŸS§fŸ” v‹W TW»Ö®fŸ. clnd
Udumalai, Contact : Arumugam, mj‰F mªj bg© c§fë‹ f‹d¤Âš r¥bg‹W miwªjhš… mJjh‹
Cell : 96776 16010.
ngaH : rutzd;
fy;tpj;jFjp : B.Com
taJ : 55, CH : ghz;br;Nrup
mDgtk; : khHf;nfl;bq;
vjpHg;ghHf;Fk; Ntiy : Mgp];
fnyf;rd;
nry; : 99430 56430
ngaH : jpNd\;
fy;tpj;jFjp : B.EEE
CH : ehkf;fy;
vjpHg;ghHf;Fk; Ntiy :
fy;tpj;jFjpf;Nfw;g
nry; : 99447 44003
tiffis¥ g‰¿ bjçªÂU¡f? thŒ¥Ãšiy. gyU¡F kh®¡bf£o§
v‹whš v‹dbt‹nw bjçahkY« ÏU¡»wh®fŸ. mt®fS¡fhfnt
Ϫj gÂÎ.”
Ú§fŸ xU éUªÂš mHfhd, xU gz¡fhu bg©iz gh®¡»Ö®fŸ.
Ú§fŸ mªj bg©âl« br‹W “ehD« gz¡fhu‹jh‹. v‹id
ÂUkz« brŒJ¡bfhŸS§fŸ”v‹W T¿dhš mJ Direct Marketing.
c§fŸ e©g®fŸ mªj bg©âl« br‹W c§fis fh©Ã¤J
“mtD« gz¡fhu‹ jh‹. mtid ÂUkz« brŒJ¡ bfhŸS§fŸ”
v‹W T¿dhš mJ Advertising.
bjhiy¥ngÁ v©iz th§»¡bfh©L, mL¤j ehŸ mªj bg©iz
bjhiyngÁæš miH¤J “ehD« gz¡fhu‹jh‹. v‹id ÂUkz«
brŒJ bfhŸS§fŸ” v‹W T¿dhš mJ Tele Marketing.
mªj mHfhd bg©nz c§fël¤Âš tªJ “Ú§fS« gz¡fhu‹ jh‹.
v‹id ÂUkz« brŒJ¡ bfhŸS§fŸ” v‹whš mJ Brand Recogni-
tion.
mªj mHfhd, gz¡fhu bg©âl« br‹W Ú§fŸ “ehD« gz¡fhu‹
Customer Feedback.
mªj bg©âl« neuoahf br‹W “ehD« gz¡fhu‹jh‹. v‹id
ÂUkz« brŒJ bfhŸS§fŸ” v‹W T¿aj‰F, mªj bg©, jdJ
fztiu m¿Kf« brŒjhš mJ Demand and Supply gap.
Ú§fŸ mªj bg©âl« br‹W Ú§fŸ ngRtj‰F K‹dhš ntbwhU
eg® tªJ mªj bg©âl« “ehD« gz¡fhu‹jh‹. v‹id ÂUkz«
brŒJ bfhŸS§fŸ” v‹W TW»wh‹. mªj bg©Q« mtDl‹ br‹W
éL»whŸ. ÏJ jh‹ Competition eating your market share.
Ú§fŸ mªj mHfhd gz¡fhu bg©âl« br‹W “ehD«
gz¡fhu‹jh‹. v‹id ÂUkz« brŒJ¡bfhŸS§fŸ” v‹W
TWtj‰F K‹ng c§fë‹ kidé mU»š tªjhš Restriction for en-
tering new markets.
Ï¥nghJ c§fS¡F òçªÂU¡Fnk Marketing Concepts v‹whš
v‹dbt‹W….!
--(e©gç‹ g»®Î-e‹¿)

#&‹ 1.6.2020 -4-

#&‹ 1.6.2020 -5-
Ï‹wsΫ M©fë‹ rh«uh{akhf fUj¥gL« bjhêš Kidéš xU
Áy bg©fshš k£Lnk bgça ãWtd§fis el¤j Ko»wJ . Vida
bg©fŸ ÁW bjhêšfis k£Lnk bjhl§» el¤j Ko»w ãiy cŸsJ.
ghuÂjhr‹ gšfiyfHf (Bharathidasan University) bghUëaš k‰W«
kfëçaš Jiw rh®ghf bg© bjhêš Kidnth®fë‹ K‹nd‰w«
F¿¤J el¤Âa MŒÎfë‹ têahf Ït®fŸ f£lik¥ò ßÂahf,
cséaš,r_f, bghUshjhu ßÂahf äFªj Áuk§fis v®
bfhŸ»wh®fŸ. mªj Áuk§fis ãWtd ßÂahf v®¡bfhŸS« éjkhf
kfë® bjhêš Kidnth®fis xU§»iz¥gj‰fhf cUth¡f¥g£lnj
jäœehL kfë® bjhêš Kidnth® r§f« (WEAT- WOMEN ENTRE-
PRENEURS ASSOCIATION OF TAMILNADU). ÏJ 2006 M«
M©oèUªJ bt‰¿fukhf brašg£L tU»wJ . ÏJ ÂU¢Áia
jiyikælkhf¡ bfh©L brašg£L tU»wJ
ghuÂjhr‹ gšfiyfHf bghUëaš k‰W« kfëçš Jiw Ï¢r§f« cU¥bgWtj‰F xU K¡»a
fUéahf k£LkšyhJ bjhl®¢Áahf jdJ Mjuéid më¤J tU»wJ.
bjhêš Kidé‹ têahf bg©fis r¡Âah¡f« bgw brŒtJ v‹w guªj neh¡»š kfë®
bjhêšKidnthU¡F njitahd mid¤J cjéfisÍ« WEAT (jäœehL kfë® bjhêš Kidnth® r§f«)
brŒtJ tU»wJ.
rKjha¤Â‹ mok£l¤Âš gšntW
ÂwikfisÍ«, MSik g©òfisÍ« cŸsl¡»a gy
bg©fŸ K‹ndw, mt®fS¡fhf cjé¡fu« Ú£o v›éj
ghFgho‹¿ midtuJ K‹nd‰w¤Â‰F« bgçJ« ghLg£L
mt®fS¡F x›bthU ãiyæY« jFªj MnyhridfisÍ« ,
MjuitÍ« bg© bjhêš Kidnth®fS¡F më¤J tU»wJ.
‹ F¿¡nfhŸfŸ (Objectives)
WHET-‹
bjhêšKidéš xU§»izªj c¤Âia ifah©L guªj
bjhêšKidÎ js¤ij cUth¡Fnj WEAT-‹ (jäœehL
kfë® bjhêš Kidnth® r§f«) Kj‹ik neh¡fkhF« .

#&‹ 1.6.2020 -6-

 §Ra bjhêš òça éU¥gKŸs Mnyhridfis tH§F»wJ.
bg©fS¡F ÁW , FW bjhêšfŸ 14.bjhêš Kidnth®fS¡F j‹d«Ã¡if (Self Confident) C£L»wJ,
bjhl§Ftj‰F cWJizahf ijça¤ij (Courage) bfhL¡»wJ, C¡f¥gL¤J»wJ.
ÏUªJ mt®fë‹ thœthjhu¤ij WEAT-¡F mjuÎ më¡F« mik¥òfŸ:
§ MSME-DI (Micro Small and Medium Enterprises - Development Institute) ,
nk«gL¤Jjš.
§ DIC (District Industries Center),
§bg©fis bghUshjhu ãiyæš
§ TIIC (Tamilnadu Industrial Investment Corporation),
nk«gl¢ brŒtJ .
§ National Institute Of Technology,
nritfŸ (Services):-:-
WEAT-nritfŸ § BHEL (Bharath Heavy Electricals Limited),
1. bg©fS¡F gšntW bjhêš §SIDCO (Small Industries Development Corporation) ,
rh®ªj gæ‰Áfis (Training) gšntW §NSIC (National Small Industries Corporation) ,
ãWtd¤Â‹ _y« tH§F»wJ. §NABARD (National Agriculture and Rural Development ),
2. t§» flDjé¡F (Bank Loan) §TIDTSSIA (Tiruchirappalli District Small Industries And Tiny Industries Association),
V‰ghL brŒ»wJ . §COIR BOARD,
3. gšntW bjhêšfS¡F £l §Khadi And Village Industries Commission,
m¿¡if (Project Report) jahç¡f §Banks(Indian Overseas Bank,Canara Bank, Bank Of India, India & etc),
Mnyhrid tH§F»wJ k‰W« §Many Organisations & Companies,
jahç¤J« bfhL¡»wJ. § And etc.
4. kht£l bjhêš ika¤Â‹ (Dis- WEAT- ÂU¢Áia jiyikælkhf bfh©L brašg£L tU« jäœehL
trict Industrial Center) _y« khåakfë® bjhêš Kidnth® r§f« (WEAT) gy kht£l§fëš jdJ »is
cjé bjhif bgWtj‰F mYtyf§fis Jt§» brašg£L tU»wJ .
cjéòç»wJ . WEAT-‹ »isfŸ :
5. bjhêš ßÂahd Mnyhrid¡F br‹id, kJiu, nfhit, nry« , gh©o¢nrç, f%®, ©L¡fš,
(Advices) r«kªj¥g£l ãWtd§ jŠrhñ®, flÿ®, òJ¡nfh£il, ÂUth%®, k‰W« gy »isfis Jt§»
fë‹ _y« bjhl®ò V‰gL¤Â¡ tU»wJ.
bfhL¡»wJ .
6. ÁW bjhêš rh‹¿jœ gÂÎ (Small jäœehL kfë® bjhêš Kidnth® r§f« (WEAT),
scale industry registration) brŒa No:1,B Block , St,Paul Complex, Bharathiyar Road,Trichy- 620 001.
V‰ghL brŒ»wJ . Phone : 0431-4200040,
7. bjhêšfS¡F njitahd mobile : 94887 88206, 94887 85806
rh‹¿jœ (License) bgw cjλwJ . Email Id : weat.assn@Gmail.Com.
8. rªij¥gL¤JjY¡F thŒ¥ò bjhêš bjhl§fnt©L« v‹w v©zKila bg©fŸ
(Marketing Opportunity ) V‰gL¤Â WEAT (jäœehL kfë® bjhêš Kidnth® r§f«) -š
bfhL¡»wJ, k‰W« rªijgL¤Jjš,
é‰gidfS¡F Mnyhrid
j§fis Ïiz¤J¡bfhŸsyh« .
tH§F»wJ.
9. gy bjhêš Kidnth® “ MSME fl‹fŸ v‹gJ bjhêš bjhl®ghd
fS¡»ilna bjhl®ig (Network)
V‰gL¤Â bfhL¡»wJ. gšntW bryÎfis¥ ó®¤Â brŒa gšntW ãÂ
10.muÁ‹ bjhêš r£l ãWtd§fshš tH§f¥gL« xU mlkhd«
£l§fisÍ« (Formalities) Ëg‰w
têfh£l cjλwJ. Ïšyhj fl‹fshF«. é©z¥gjhu® ó®¤Â
11. V‰Wk (Export) brŒa¥gL« brŒa nt©oa F¿¥Ã£l jF tu«òl‹
bghUŸfŸ »il¡F« Ïl« g‰¿
têfh£L»wJ. Ϥjifa fl‹fŸ tU»‹wd. MSME
12. ÏaªÂu§fŸ (Machinery) k‰W« fl‹fŸ ϪÂa muR k‰W« RBI _y« ãÂ,
_y¥bghUŸfŸ (Raw Material),
cgfuz§fŸ (Equipment) cŸf£lik¥ò k‰W« Ãw gFÂfëš
Ïl§fis g‰¿ m¿ªJ¡ Mjué‰fhf bjhêš ãWtd§fS¡fhd
bfhŸsyh« .
13. bjhêš bjhl§Ftj‰F fl‹fshf tiuaW¡f¥gL»‹wd. ”
#&‹ 1.6.2020 -7-
 bjhêš bjhl§f nt©Lbk‹wÎlnd Kjèš
Phgf¤Â‰F tUtJ gz« v¥go¥ òu£LtJ?... v‹gJ
jh‹. Mdhš v‹d bjhêš Mu«Ã¡fyh« v‹W
nahrid brŒJ mj‹ Ë gz¤Âid¤ njLtšiy
gy®.
bjhêš bjhl§f muR t§»fŸ jhuhskhf flDjé
brŒ»‹wd. mjid¥ bghWtJ v¥go?

btW« ifæid it¤J KH« nghl KoÍkh vd Áy®

nf£gJ©L. Ïw§F»wt®fS¡F« njhšé
ã¢ra«jh‹. bjhêšfl‹ nf£L
bjhêš bjhl§» m«ghå nghy
bjhêšfl‹ th§f Ï‹iw¡F
M»élyh« v‹»w fdnthL t§»ia mQF»wt®fis t§»
cŸs Áuk§fŸ, Ãu¢ridfŸ
fsäw§F»w gy® vL¤j nkyhs® Kjèš nrhÂ¥gJ
Fiwnt. Áy K‹ jahç¥òfnshL
vL¥Ãnyna jilg£L ã‹W mt®fë‹ e«Ã¡ifia¤jh‹.
mQ»dhš mªj¥ Ãu¢rid
éL»wh®fŸ. mj‰F mt®fŸ bjhêš Kidt® ngR« x›bthU
fisÍ« Ãìd° nk‹fŸ j鮤J
brhšY« fhuz«, ‘gz« Ïšiy; th®¤ijÍ« t§» ju¥Ãš
ã¢ra« bt‰¿ bgwyh«.
fl‹ nf£nl‹; c‹å¥ghf¡ ftå¡f¥gL«.
njit bjëthd gh®it Áyrka« t§» nkyhs®
»il¡féšiy’ v‹gjhfnt ‘ntiy brŒa¥ Ão¡féšiy; bjhêšKidtç‹ cWÂia¡
ÏU¡»wJ. lhlhnth, m«ghånah mjdhš Ãìd° brŒa¥ Fiy¡F« tifæš Áy
bgça KjnyhL j§fŸ bjhêiy ngh»nw‹’ v‹W brhšè bjhêèš nfŸéfis¡ nf£fΫ brŒayh«.
Mu«Ã¡féšiy. fl‹ th§»¤ Ïw§F»wt®fŸ, bt‰¿ bgWtJ
jh‹ Mu«Ã¤jh®fŸ. ãWtd¤J¡ fod«jh‹. mnj nghy brŒa ‘Ú§fŸ brhš»w Ãìdi[
fhd flid th§f mªj¡ fhy¤Âš ãid¡F« bjhêš g‰¿a vd¡F¤ bjçªj eg® xUt®
mt®fŸ g£l fZl§fŸ bfhŠr KGikahd m¿Î, bjëthd brŒjh®. mš mtU¡F gy¤j
eŠrkšy. mt®fnshL x¥Ã£lhš e«Ã¡if Ïšyhkš bjhêèš eZl«. ntW VjhtJ

#&‹ 1.6.2020 -8-

 Ãìd[&¡fhd Ioah c§fël« ÏU¡»wjh?’ vd
t§» nknd#® nf£gjhf it¤J¡ bfhŸnth«.
Ïj‰F bjhêš Kidtç‹ gš v‹dthf
ÏU¡F«..? clnd gj‰wkilÍ« gy®, ‘rh®, v‹»£l
Ï‹bdhU Ãìd[&¡fhd IoahΫ ÏU¡»wJ’
v‹Wjh‹ brhšth®fŸ. Ϫj xU tç gš nghJ«,
c§fŸ bjhêš ÛJ c§fS¡F MHkhd e«Ã¡if
Ïšiy v‹W brhšy. Mdhš, Ϥjifa gšfshš
k£Lnk ‘fl‹ »il¡fhJ’ v‹W brhšèél KoahJ.
Mdhš, ÏJ ngh‹w Á‹d Á‹d éõa§fŸ Ú§fŸ
brŒa¥ ngh»w bjhêš ÛJ c§fS¡F ÏU¡F«
cWÂia¡ fh£oéL«. vdnt bjëthd gh®it,
cWÂahd £l« njit.

Ãìd° Ãshåš v‹d ÏU¡f nt©L«?

Ú§fŸ brŒa¥ ngh»w Ãìd° ÏJjh‹ v‹W KoÎ
brŒJé£lhš mj‰fhd Ãshid jah® brŒa
nt©L«. Kjèš c§fis¥ g‰¿a jftšfŸ, Ú§fŸ
ah®, v‹d brŒJ bfh©oUªÔ®fŸ, Ïå v‹d
brŒa¥ ngh»Ö®fŸ v‹w étu§fŸ ÏU¡f nt©L«.
bjhl§f¥ ngh»w bjhêiy¥ g‰¿ c§fS¡F v‹d
bjçÍ«, v¥go¤ bjçÍ«, mªj¤ bjhêèš v‹d
òJikfŸ brŒa¥ ngh»Ö®fŸ; c§fS¡fhd
_y¥bghU£fŸ v§F »il¡F«; c§fë‹
Fiwªjg£r« 1: 4.5 v‹w é»j¤Âš
mlkhdäšyhj
tho¡ifahs®fŸ ah® v‹gJ g‰¿ ( Debt Equity Ratio ) e«äl« brhªj¥
fl‹ ( Unsecured Loan ) %ghŒ 10
bjëthf¡ Tw nt©L«. Ϫj¤ gz« ÏU¡f nt©L«. mjhtJ,
y£r« tiu¡Fkhd bjhêš
bjhêš _y« khj¤J¡F v›tsÎ xU y£r« %ghia Ú§fŸ
flD¡F vªj éjkhd mlkhdK«
tUkhd« »il¡F« v‹»w _yjdkhf bfh©L tªjhš
nf£f¡TlhJ v‹gJ M®.Ã.I. éÂ.
njhuhakhd fz¡F nt©L«. t§»fŸ 4.5 y£r« tiu¡F« fl‹
Ϫj é fhuzkhf, 10 y£r« tiu
Ïj‰F o.v°.Á.M®. v‹»w bfhL¡F«. Ϫj éÂjh‹ ãuªju«
vªjéj mlkhdäšyhkš fl‹
é»j¤ij ã¢ra« gh®¥gh®fŸ. v‹W brhšy KoahJ. äf¢ Áy
»il¡F«. xU ntis t§»fŸ
Debt Service Coverage Ratio rka§fëš k£L« Ϫj
mlkhd« nf£lhš mJ éÂia
v‹gj‹ RU¡fnk o.v°.Á.M®. é»j¤J¡F ÑnH br‹whš
Û¿a brayhfnt fUj nt©L«.
mjhtJ, xU khj¤J¡F Ú§fŸ 15 t§»fŸ fl‹ bfhL¡F«. mJ
jéu, ÁW k‰W« FW bjhêšfis
Mæu« r«gh¡»Ö®fŸ våš, Ú§fŸ brŒÍ« bjhêš, c§fŸ
C¡Fé¡f k¤Âa muR« Á£ÃÍ«
mrY¡F« t£o¡Fkhf¢ nr®¤J Ãìd° el¡F« Ïl« ngh‹w gy
nr®ªJ xU nfho %ghŒ tiu¡F«
%ghŒ 10 Mæu« nghf, FiwªjJ fhuâfis it¤J t§»fŸ KoÎ
vªj éjkhd mlkhdK« Ïšyhkš
%ghŒ 5 Mæu« c§fël« brŒÍ«. ÏUªjhY« KjšKiw
»buo£ nfu©o °Ñäš ( Credit
ÏUªjhšjh‹ bjhl®ªJ Ãìd° bjhêš bjhl§Fnth® Ϫj
Guarantee Scheme CGS ) fl‹
el¤j KoÍ«. mjhtJ, Ϫj é»j« é»j¤J¡F« Fiwthf _yjd«
jU»wh®fŸ. Mdhš, Ϫj¤
1.5¡F nkš ÏUªjhš k£Lnk it¤ÂUªjhš fl‹ »il¥gš
£l¤Âš fl‹ bgw gÂÎ brŒa
c§fS¡F vëjhf¡ fl‹ Áuk« V‰glyh«. c§fŸ bjhêèš
nt©L«. ÏJ g‰¿ t§»fël«
»il¡F«. Ú§fŸ brŒÍ« c§fŸ KjÄL fârkhf ÏU¡f
nf£lhš mt®fŸ ÏJ r«gªjkhd
Ãìdìš Ïªj tUkhd« nt©L« vd t§»fŸ
k‰w KG étu§fis¤ jUth®fŸ.
c§fS¡F ÏU¡»wjh v‹gij v®gh®¥gJjh‹ Ïj‰F¡ fhuz«.
Ú§fns cWÂ brŒJ bfh©L, brhªj¥ gz« ?
t§»fis v¥go mQFtJ?
t§»ia mQ»dhš bj«ghf¥ Ãìd° £l¤Âny ek¡F
x›bthU t§»Í« M©L¡F
ngryh«. v›tsÎ bjhif njit¥gL« v‹W
F¿¥Ã£l bjhifia fldhf¡
fl‹ tiffŸ bjçªJéL«. mªj¤ bjhifæš
bfhL¡f nt©L« vd Ïy¡F
#&‹ 1.6.2020 -9-
ã®zæ¤J brašgL»‹wd. mªj
Ïy¡F¡fhf ngh£o ngh£L¡
bfh©L t§»fŸ fl‹ jU»‹wd.
MdhY« bjhêš KidnthU¡F
fl‹ »il¡féšiy våš
mj‰F¡ fhuz«, rçahd £lälš
ÏšyhjJjh‹. c§fŸ njit %ghŒ
25 y£r« våš mU»èU¡F«
t§»fisna mQfyh«. mt®fns
fl‹ jUth®fŸ. 25 y£r¤J¡F
nkš nghF« nghJ, x›bthU
t§»Í« bjhêšfl‹fis
C¡Fé¡fnt jåahf ÁWbjhêš
»isia (SME Branch) it¤ÂU¡
»wh®fŸ.m§»U¡F« mÂfhçfis
mQ»dhš mt®fŸ c§fS¡F¤
njitahd Mnyhridfis
tH§Fth®fŸ.
njitahd Mtz§fŸ
# milahs¢ rh‹¿jœ,
# Kftç¢ rh‹¿jœ,
# Ãìd° eilbgW« Ïl¤J¡
fhd Kftç¢ rh‹¿jœ,
# £l m¿¡if,
# tUkhd v®¥gh®¥ò (flid
ÂU¥Ã¢ brY¤J« fhy« tiu¡F«),
# cŸsh£Á k‰W« Ïju muR
mYtyf§fëš ÏUªJ jil
æšyh¢ rh‹¿jœ (njit¥ g£lhš),
# Ãìd° eilbgW« Ïl«
c§fSilaJ v‹whš mj‰fhd
rh‹¿jœ (m) thlif Ïl« v‹whš
x¥gªj¢ rh‹¿jœ ngh‹w
Mtz§fŸ f£lha« bfhL¡f
nt©L«.
# Ïit jéu, ntW v‹bd‹d
Mtz§fŸ njit v‹gJ fl‹
é©z¥g¤Ânyna ÏU¡F«.
mt‰iwÍ« bfhL¤jhš ã¢ra«
c§fŸ fl‹ kDit t§»
mÂfhçfŸ xJ¡»¤ jŸs
kh£lh®fŸ!
muR Áy bjhêšfS¡F
khåaK« tH§F»wJ.
khåa« tH§f¥gL«
bjhêšfŸ
#ä‹ k‰W« ä‹dQ bghU£fŸ
c‰g¤Â
# njhš r«gªjkhd bghU£fŸ
jahç¥ò
# thfd cÂç¥ghf§fŸ jahç¥ò
# kUªJ¥ bghU£fŸ c‰g¤Â
# Nçar¡Â cgfuz§fŸ c‰g¤Â
# V‰Wk Mguz§fŸ
# khRf£L¥ghL cgfuz§fŸ
# éisah£L¥ bghU£fŸ
# Á¡fd f£Lkhd¥ bghU£fŸ
# Ma¤j MilfŸ jahç¥ò
ngh‹witfŸ..
muR tH§F« rYiffŸ
# 15 rjÅj« khåakhf tH§f¥
gL»wJ.
# 36 khj§fS¡F 20 rjÅj«
Fiwªj ä‹ mG¤j ä‹rhu«
tH§f¥gL»wJ.
# Á¿a bjhêšfS¡F
c‰g¤Â¤ bjhl§» Kjš MW
M©Lfëš bjY¤j¥gL« kÂ¥ò¡
T£L tç¡F (th£) <lhd bjhif
khåakhf kht£l bjhêš ika«
_y« tH§f¥gL»wJ.
# c‰g¤Â¤ bjhl§»a _‹W
M©LfëèUªJ IªJ M©LfŸ
tiu Fiwªj¥g£r 25 ntiy
ah£fis gâæš <LgL¤jΫ
ãWtd§fS¡F TLjyhf IªJ
rjÅj« mÂf g£rkhf %ghŒ IªJ
y£r« tiu ntiy thŒ¥Ãid¥
bgU¡f khåa« tH§f¥gL»wJ.
# c§fŸ kDéš Ú§fŸ brŒa¥
nghf« bjhêš, bkh¤j KjÄL
v›tsÎ, ah®-ah® g§Fjhu®,
x›bthUtU¡F« v›tsÎ KjÄL,
brŒa¥nghF« bjhêè‹ kh®¡bf£
ãytu«, tUkhd« v¥go,
t§»¡flid vªj têæš ÂU¥Ã¢
brY¤JtJ, flid¤ ÂU¥Ã¢
brY¤j nt©oa c¤Âuthj«
(Nç£o) ngh‹w égu§fis
kDÎl‹ Ïiz¡f ntzL«.
mjid t§» mÂfhçfŸ MŒÎ
brŒth®fŸ. mj‹ Ëò
t§»¡fl‹ _‹W tUl¤ÂèUªJ
g¤J tUl¤Â‰FŸ brY¤Âdhš 13
rjÅj¤ÂèUªJ 16 rjÅj«
t£oÍl‹ mrš bjhifÍ«
bra‰FGéid V‰gL¤Â¡
bfhŸsyh«. mªj¡ FG Mu«Ã¤J
#&‹ 1.6.2020
Ïu©L mšyJ _‹W khj§fëš
r§f nrä¥Ãš cW¥Ãd®fS¡F
mtru kUªJ¢ bryÎ, fšé¢
bryÎ, bjhêš bjhl§f _yjd«
Fiwªj fhy¤Âš ÂU¥Ã¢
brY¤J« tifæš %500 èUªJ
fl‹ tH§fyh«. Áw¥ghf
brašgL« FG¡fG¡F t§»fëš
%ghŒ IªJ y£r« tiu 12 rjÅj
t£oæš fl‹ bgwyh«. muR¡
flåš %ghŒ IªJ y£r¤Â‰F
%ghŒ 1,75,00 khåakhf¥ bgwyh«.
M®¥gh£l«, bghJ¡T£l«,
nguâ¡F K°è« bg©fis
miH¤J¢ bršY« rKjha
Ïa¡f§fŸ ViH¥ bg©fŸ
fÎutkhf thH nk‰T¿a Rantiy
bjhêš ika§fis mt®fS¡F
V‰gL¤jyhnk!..
xU§»iz¥ò
K‹bgšyh« bjhêš bjhl§f
x›bthU mYtykhf miyªJ
mDk th§f nt©oaÂUªjJ.
mjid xU§»iz¤J xnu
Ïl¤Âš tH§f¢ brŒJ
vëjh¡»ÍŸsh®fŸ. Ñœf©l
ika¤Âš kD brŒjhny
c§fS¡F¤ njitahd mDkÂ
»il¡F«.
bjhêš EQ¡f§fŸ
bjhêš bjhl§»a clnd
bt‰¿aila KoahJ. £lä£L
rçahd Ïa¡f¤Âš bjhl§»dhš
bt‰¿ bgw KoÍ«. ekJ
tho¡ifahs®fis e«Kila
mDFKiw it¤nj j¡f it¡f
Koͫ.
c§fŸ bjhêš ãWtd c‰g¤Â¥
bghUŸfŸ ngh£o ãWtd§fis
él jukhdJ v‹W k‰wt®fS¡F
òça it¡f nt©L«. bjhêèš
RKfkhd mQF Kiwna
bt‰¿¡F têtF¡F«.
100 tif Rabjhêš gæ‰ÁfŸ
%£br£ ãWtd« ü‰W¡F«
nk‰g£l bjhêšKidÎ nk«gh£L
gæ‰Áfis bt›ntW Ïl§fëš
-10-
tH§» tU»wJ.
x›bthU gæ‰Á¡F« Fiwªjg£r« x‹W mšyJ MW thu fhy msÎ MF«. Ϫj gæ‰Á Rabjhêš
òçnthU¡F gadë¡F« tifæš mik¡f¥g£LŸsJ. ϧF blŒyç§ bjhl§» czÎ gj¥gL¤Jjš tiu
ü‰W¡fz¡fhd Rabjhêš gæ‰ÁfŸ el¤j¥gL»wJ. ϪãWtd¤Âš tH§f¥gL« gæ‰ÁfŸ K‰¿Y«
Ïytr«. gæ‰Á bgWgt®fS¡F j§F« trÂÍ« cŸsJ.
ϪãWtd¤Âš f‰Ã¡f¥glhj gæ‰Áfns Ïšiy vdyh«. bra‰if itu« g£il Ô£Ljš Kjš Mil
totik¥ò, nkh£l® ßit©o§, bjhêš Kidnth® nk«gh£L¥ gæ‰ÁfŸ tiu 100 tif¥ gæ‰ÁfŸ Ïytrkhf
el¤j¥gL»wJ. Mjhu« : jäœehL bjhêš têfh£Ljš k‰W« V‰Wk nk«gh£L¡FG, br‹id
c§fŸ bjhêš Á¿anjh, bgçanjh bjhêš ts®¢Á¡F c‰g¤Âahs®fŸ
bjhêšE£g¤ij (Technology) Ëg‰¿na Mfnt©L«. ä‹dQ
Clf§fŸ têahf jahç¥ò k‰W« nritia rªij¥gL¤Jjš Digi- rªij Ïytr
tal Marketing MF«. Ϥjifa oí£lš kh®¡bf£o§»š gy ä‹åjêš Ïl«bgW«
c¤ÂfŸ (Strategy) ga‹gL¤j¥gL»wJ.
jftšfŸ mid¤J«
Search engine optimization (SEO), Search engine mar-
keting (SEM), Social media marketing, Content marketing, Influencer jh§fŸ m¿a nt©o
marketing, Content automation, Campaign marketing, Social media op- k£Lnk, k‰W«
timization, E-mail direct marketing, Display advertising, E–books, E-com-
merce marketing, Optical disks, Games k‰W« gy oí£lš kh®¡bf£o§ és«gu§fë‹
c¤ÂfŸ _y« Ãuh©il (Brand) rªij¥gL¤jyh«. c©ik¤j‹ik¡F
bjhêš k‰W« ãWtd¤ij¥ g‰¿, Ãuh©L g‰¿, jahç¥ò k‰W« és«gu¤jhu®fns
nritia g‰¿ és¡f, tho¡ifahs®fis ftu, <®¡f bjëthf k‰W« KG
òçªJbfhŸS«goahd tiuaW¡f¥gL« cŸsl§fŸ, g¤ÂfŸ,
és¡f§fŸ, th®¤ijfŸ Ïitna Content vd¥gL«. bghW¥ghdt®.j§fë‹
cjhuz¤Â‰F eh« xU Âiu¥gl« gh®¡»nwh«. mªj gl¤Â‹ fij, Ra éU¥g¤Â‹ ngçš
Ïa¡f«, eo¥ò, trd«, Ïir ngh‹w gy e«ik ftU« goahf MuhŒªJ
ÏU¡F«nghJ k£L«jh‹ mªj Âiu¥gl« ek¡F Ão¡F«. mªj gl¤Â‹
trd« jh‹ Content ngh‹wJ. trd§fŸ vªj msé‰F uÁf®fis brašgLtJ
<®¡»wnjh mªj msé‰F Âiu¥gl¤Â‹ bt‰¿Í« mikÍ«. bjhêY« j§fSila KG
»£l¤j£l mnjnghš jh‹ tho¡ifahs®fis ftu, ÏG¡f, jahç¥ò
k‰W« nritia th§f it¡f bjhêY¡F ga‹gL¤j¥gL« Content bghW¥ghF«. eh§fŸ
cjλwJ. bghW¥gšy. j§fë‹
bjhêiy rh®ªj Content I Ïiza¤js« (website), Blog, r_f ey‹ fUÂ.. -
tiy¤js« (social Media), Ïbkæš, Åonah, M‹iy‹ nrdš,
M~¥iy‹ nrdš, m¢Ál¥g£l tot« ngh‹w gyt‰¿š
btëp£lhs®.

#&‹ 1.6.2020 -11-

ga‹gL¤Jnth«. Ϫj Content I cŸsl¡f¤ij (content) ga‹gL¤JtJ, mo¡fo ãWtd«, jahç¥ò k‰W«
rªij¥gL¤Jtijna Content Mar- nrit rh®ªj f£Liufis (Post) Blog -š gÂéLtJ, vëš òçÍ«goahf
keting v‹W brhšyyh«. Áwªj gl§fŸ (Image), vL¤J¡fh£LfŸ (Illustrations), rh‹WfŸ (Testi-
monials), Ï‹ngh »uhá° (infographics) ngh‹w itfis ga‹gL¤JtJ,
Content Marketing v‹gJ
Content I r_f tiy¤jfs¤Âš (social media) gÂéLtJ, M‹iy‹
tho¡ifahs®fis <®¡f, ftu,
k‰W« M~¥iy‹ Clf« (online media), ÏjœfŸ (magazines), brŒÂ¤
Ãuh©il th§f it¡f ga‹
jhŸfŸ ngh‹wt‰¿š btëæLtJ, Åonah¡fis (visuals,video)
gL¤j¥gL« bghU¤jkhd,
ga‹gL¤JtJ mij rªij¥ gL¤JtJ,
bjëthd, kÂ¥òŸs
cŸsl¡f¤ij (content) cU tho¡ifahs®fS¡F k‰W« bjhl®òilat®fis Email Newsletters
th¡Fjš k‰W« g»®jš MF«. ÏJ mD¥òtJ, E-Books k‰W« Prodcasts btëæLtJ, ãWtd« rh®ªj
xU tifahd kh®¡bf£o§ k‰W« brŒÂia Ãuh©il Ãugy¥gL¤J« éj¤Âš Newsjacking brŒtJ ngh‹w
tâf brašKiw MF«. gytif rh®ªj Content Marketing brŒayh«.
kh®bf£o§ Áwªj cŸsl¡f« (con-
tent) Ïšyhkš rh¤Âaäšiy. “bjhêš Á¿anjh, bgçanjh
Content Marketing tiffŸ
jahç¥ò k‰W« nritia g‰¿a midtU« bjhêšE£g¤ij
Content I gy tiffëš
kh®¡bf£o§ brŒayh«. Ϫj Con- ga‹gL¤ÂtU« fhy¤Âš mt®fis
tent Marketing ãWtd¤Â‹
tho¡ifahs®fshf kh‰wΫ, br‹wila oí£lš kh®¡bf£o§
é‰gidia mÂf¥gL¤J«
éjkhfΫ ÏU¡f nt©L«.
bjhêšE£g¤ij ga‹gL¤JtJ
Types of content marketing
Ïiza¤js¤Âš (website) Áwªj
bjhêè‹ ts®¢Á¡F cjΫ.”

#&‹ 1.6.2020 -12-

 ϪÂa V‰Wk Ïw¡Fk t§» (Exim Bank)
v¡Á« t§» #dtç khj« 1982 M« M©L bjhl§f¥g£lJ.
Ï›t§» eh£o‹ V‰WkÂia C¡Fé¤J, mÂfkhd
Ïw¡Fk¡F gz« tH§f cUth¡f¥g£lJ. I.o.Ã.I t§»æ‹
r®tnjr 㤠Jiwæ‹ ntiyfis vL¤J¡ bfh©LŸsJ. ÏJ
Ïju ãWtd§fS¡F jiyik KftuhfΫ bghU£fŸ k‰W«
nritfŸ V‰Wk Ïw¡Fk ãÂaik¥òfis xU§»iz¡F«
ntiyfisÍ« brŒJ tU»wJ.
tâf t§»fŸ k‰W« Ïju V‰Wk Ïw¡FkÂ¥ gFÂfëš
brašÂ£l« eilKiw¥gL¤Jjš k‰W« ãÂaë¥ò trÂfŸ
M»at‰iw Ï›t§» brašgL¤Â tU»wJ. ϪÂa V‰WkÂ
Ïw¡Fk t§» é 1981- ‹ go, t§»¡ fl‹ k‰W« K‹gz«
M»at‰iw cŸeh£onyh mšyJ btëeh£onyh k‰W« t§»
j‹å¢irahfΫ mšyJ ntbwhU t§»æ‹ g§Ñ£L ã ãWtd¤Jlndh tH§F«. Ï›t§»
V‰Wk Ïw¡Fk M»at‰¿‰F ãÂaë¥gš Kj‹ik ãWtdkhf és§F»wJ.
F¿¡nfhŸ
t§»æ‹ K¡»a mo¥gil neh¡f¤ij¡ fU¤Âš bfh©L, mj‹ F¿¡nfhis Ñœ¡f©lthW
F¿¥Ãl¥g£LŸsJ.
V‰Wk Ïw¡Fk Jiwfëš ãÂ, bjhêšE£g« k‰W« ã®thf¤ Jiwfëš cjé brŒjš.

#&‹ 1.6.2020 -13-

 $ V‰Wk r«gªjkhd V‰ghL jtiz¡ fl‹ _y« btëeh£L rªijæš th§Fnth®¡F fl‹
fëš Â£lälš, C¡Fé¥ò, tH§f cjé brŒa¥gL»wJ.
nk«ghL k‰W« ãÂaë¥ò. $ r®tnjr KjÄ£L ãÂia ϪÂa C¡Fé¥ghs®fS¡F T£L
$ ã MuhŒ¢Á, fU¤jhŒÎ Kiwæš ã rkkhd g§ÑLfŸ, ÏaªÂu« k‰W« js« M»at‰iw
bjhêšE£g - bghUshjhu V‰Wk mšyJ gz« brY¤Jjš _y« bgwyh«.
MŒÎfŸ M»ait btëeh£L $ bjhêšE£g« k‰W« MnyhridfŸ nritfŸ.
t®¤jf¤ij C¡Fé¥ò k‰W« $ KjÄ£L¥ bghU£fS¡F V‰Wk x¥gªj§fis f¥gèš
nk«ghLfëš brŒa¥gLgit. V‰Wtj‰F K‹ghfnt fl‹ më¥gj‰F ã cjé më¤jš.
$ r®tnjr t®¤jf« bjhl®ghd $ btëeh£L muRfŸ, ãWtd§fŸ k‰W« ã ãWtd§fS¡F
rªij k‰W« fl‹ jftšfis¢ flDjé më¤jš.
nrfç¤jš, xU§»iz¤jš $ btëeh£oš th§Fnth®, btëeh£L Ïw¡FkÂahs®fS¡F
k‰W« btëæLjš.. ϪÂa KjÄ£L¥ bghU£fŸ k‰W« mj‹ rh®ªj nritfis th§f
bra‰TWfŸ fl‹fŸ neuoahf tH§f¥gL«.
$ ϪÂa KjÄ£L¥ bghU£fŸ k‰W« mj‹ rh®ªj nritfŸ
$ V‰WkÂ, Ïw¡Fk bjhl®
Ïw¡Fk brŒa btëeh£L muRfŸ k‰W« ã ãWtd§fS¡F
ghd bghU£fŸ nritfis
fl‹fŸ tH§f¥gL»wJ.
ãÂaë¥Ã‰F ϪÂa eh£o‰F
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k£Lk‹¿ _‹wh« ju cyf
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M»ait.
Jiwfëš <Lg£oU¡F«
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t§»fŸ ÏUtifahd cjé
ngh‹wit.
fis tH§F»wJ.
ϪÂahéš Âw‹ ä¡f ÁW k‰W« eL¤ju ãWtd¤ JiwfŸ
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ntiy thŒ¥ò cUth¡Fjš k‰W« òÂa Rabjhêš Kidnth®
r®tnjr rªijæš <Lgl M»ait _y« brašgL»‹wJ.
ϪÂa V‰WkÂahs®fS¡F ã $ ϪÂa ÁW k‰W« eL¤ju ãWtd§fŸ t®¤jf Mnyhrid
cjéfŸ tH§f¥gL»wJ. nritfŸ, r®tnjr ngh£ofŸ k‰W« mÂf¥ ngh£ofŸ ãiwªj
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fl‹fŸ $ ÁW k‰W« eL¤ju ãWtd§fS¡F bga® bg‰w njÁa k‰W«
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#&‹ 1.6.2020 -16-