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Equipping The Saints Hindi
Equipping The Saints Hindi
IRNOZIS
L]/UNRXN v
LMHV
RMGNRU=HNXGQH
LIR WXNVDGK+NZIHGN
LNDSL]GNMGVOVRNINGNIMNVDGK+NZIHGN
YN[VFXN
NJM2NLKG\KION
L]N)N=XN
49
izLrkouk
JLT/UGPXLNDSODQV
NNVDGNODG\XJ6IW8JVDH6DXVYN:\LKL<O
SS=GVRNIN=GII
SXIHIX/9O=GN:8ÉV8OHVDL]SNMIGN
)NN$JJHNMKOFOVLJ\KHOKJKOVRGNVDGKHJNO+NN)NKIWOGN
YNNVWXJHXV+NNMUGVF6D[\NVMHVDIGN)NN$EOHJNO+NNGNIRN
)NN ßifo= yksxksa dks fl) cukukAÞ
EXODQV
NNVDGNVF6D[\NVMU)NNODLZN=+NNMUQV
NGVLNOFNXNVDYN6M
HOKJKOVRGNVD GV ON)NFND9XV GKWMUH6DXV HJOZOGK$EOK
PQaQV
OVEXODQV
NNVDGNODG\X@ODLNQXRaHL]GN
NXIGN[N
J6$JHVDIR
RNOJ6IGGE=EOGV`NMN\N+NLND[V$_ILVODQV
N
HT>LOVLNDSL]GNMGKOVRNHVDGN=MUOVRNINGNIMNVDGVI\
J6D@JHVDIR
RNOJ6IGRVIR
RNIONVDGVI\+NKY5DUFJTHZ<IO
JNVD[VYN6MLMHV
RMGKXE=FVQNMKGVL]IUP8JVDWN[]UGMVD[V$
JHLMHV
RMGKEOXE=FVQNMKGVI\U6NMJNVWND@IWOV
IR
R+NMGVIRI+N8XHOKJKY[TRNVDXVAO8UNVDNLIR \NV[NVDGKFVQNMK
GNXNHIQNJ6$LIR \NV[NVDGNYNDQNV\XLJ\VJKYNMD+NJNVSTGN
J6$JHVD U6NMMJXNJ6 YN6MYN[V FXNJ6@Y8)NNJHLK1V MJ
WND[V
LMHV
RMYNLGNVYN
NKNQV
LN/9MYN
NKNMNSZM
LIR \NV[NVD GNV IOFXNXN
1
ijes'oj dk orZeku dne
fd mlus viuh bPNk dk Hksn ml lqefr ds vuqlkj gesa crk;k ftls
mlus vius vki esa Bku fy;k Fkk] fd le;ksa ds iwjs gksus dk ,slk
izcU/k gks fd tks dqN LoxZ esa gS] vkSj tks dqN i`Foh ij gS] lc dqN
og elhg esa ,d= djsA mlh esa ftlesa ge Hkh mlh dh eulk ls tks
viuh bPNk ds er ds vuqlkj lc dqN djrk gS] igys ls Bgjk,
tkdj ehjkl cus] rkfd ge ftUgksaus igys ls elhg ij vk’kk j[kh
Fkh] mldh efgek dh Lrqfr ds dkj.k gksa ÑEI4IONVD Ð$
LMHV
RMLC)RKLMGN=GMMJNJ6 YLXVOXNUXPQaQV
NVD
GNVL][9GMMJNJ6YN6MGNN=I8RUGMMJNJ6$RJPXLTNYN6M
I/ NVDGV`NMNYLXVPQaQV
NVDGNVL][9GMUNJ6@WNVPOGKE31N
GNVLZMNGMUVJ6D$
LMHV
RMYNW+NKLC)RKLMGN= GMMJNJ6$POXV YLXK
NVWXNYNVD YN6MPQaQV
NDV GNV L][9GMXNF8QXJKD IGNJ6$RJ
HNXRWNIUGVWKRXHVDGN=GMMJNJ6@RJJHVDRJND\VWNMJNJ6
WJNDLMRJJHVDM>NXNSNJUNJ6@UNIGOHGVLZMVJNVXVLMRJJHVD
YLXKYIUP5UHMSXNGVLHVDEG9a%NGMV$
blfy, eu fQjkvks vkSj ykSV vkvks fd rqEgkjs iki feVk, tk,]
ftlls izHkq ds lUeq[k ls foJkfUr ds fnu vk,aA vkSj og ml elhg
1
LMHV
RM GN RU=HNX GQH
;h’kq dks Hksts tks rqEgkjs fy, igys gh ls Bgjk;k x;k gSA vo’; gS
fd og LoxZ esa ml le; rd jgs tc rd fd og lc ckrkas dk lq/
kkj u dj ys ftldh ppkZ ijes’oj us vius ifo= Hkfo";}Drkvksa ds
eq[k ls dh gS] tks txr dh mRifÙk ls gksrs vk, gSa ÑLV]GNH Ð$
WFUGOFFNUNVDGNVI4MOVOTNNMX\V@W6OVLMHV
RMSNJUN
J6@UFUGL]+NTK
NTGNV/R[=HDVMJXNJNV[N$
K
NTYFUG\N69XJKDYNNJ6@EOGNHU\FJJ6IGJH
EOOHLMHV
RMGVLTX/)NN=LXGVGN=HVDJ6D$
LMHV
RMOFR/UTYNVDGNVI4MLTX/)NN=ILUGMMJNJ6@W6OVIG
POXVYLXVRSXHDVGJNJ6$
G\KIONLMHV
RMGVLTX/)NN=LXGVGN=GNGV8Q]J6@'NVDIG
LMHV
RMGKJNVWXNJ6IGG\KIONGV`NMNRJYLXKYOKH
FTI`GNVL][9GMV$
O5GNLTX/)NNLXYN6MLMHV
RMGVUNW[K+NMVGN=GNL]Q
N=X\V
YNE=@WNVYDUUG\KIONHVDOT"NNMGNV\VYNE=$+N\VJKODLZN=XJKD@
LMDUTG\KIONGKGIR
NN\FJTOD>NEOO5YN6MLMHV
RMGV
GN=OVL]+NNIRUJNV[E=IWOGNEOFVQNMKGVON)NW8HJTYN)NN@
YN6MPOVG\KIONGNGIXI
SUOTNNMGN=FXNIQN$
LMHV
RMXVIWOVYNMD+NIGN@POVHXTXVL])NNHVDFQ\IQN$
RU=HNX OH GV GE= ODL]QNNVD GN W8H LMHV
RM GV RN/UIRG
YNDQNV\XHVDJTYN)NN$LMHV
RMXVWNVYNMD+NIGNJ6@POV2R/)NN
YN6M/RLL]QNXGMXN[\UXJKDJ6@I4M+NKJHVDONRNNXMJXNJ6
IGGJKD JHLTX/)NNILUO5YN6MYN5HNGV GN= GV /)NNXLM
2R/)NNYN6M/RLGNVJKYLXNQVRUNXFXN\VD$IQJH2R/)NN
YN6M/RLYN6ML]
NNOXGNVJKIW8JVDO5YN6MLMHV
RMGVGN=
GNVOD+NN\XVGVI\FXNN[N)NN@HJ5RQVUVJ6D@UNVYDUHVDJH
YUKUGVHCUYR
NVNÑYNI5HGWKRN
HÐFXGMMJWNUVJ6D$JHNMV
LNOHN ION8UFSNMJWNUNJ6IWOHVDXUNVWKRXJNVUNJ6@X
ONH)N=$
LMHV
RMG\KIONGV `NMNP5UMNV5UMO5GNV LTX/)NNILU
GMXNYN6MPOGVYN5HNGKUNWKJRNGNVHT'UGMXNWNMKM>NUN
J6$LTX/)NNILUO5XNO5XJKDJ6$JO5LJ\VOVJKLIR
NN/ HVD)NN@LMDUTPOVQV>NXVGVI\JHXVG+NKL]GN
NXXJKDLNN
YN5HNGKUNWKJRNYNVD GNHU\FVONXJKDJ6IGLIR YN5HNFQ\
MJNJ6$EOGNY)N=HN JJ6IGLMHV
RMYLXVYOKH2I'U5R
GVXVYNNHNVDGNVYXT+NRGMXVGNJHVDYROMQVMJNJ6@IW8JVDJHXV
LJ\VG+NKYXT+NRXJKDIGN)NN$
JND LMGT1HT>YNDQNVD\XNVD@O3SNENVD GKODI^N,ULMV>NN
L]/UTU GK [E= J6 IW8JVD LTX/)NNILU IGN [N )NN YN6M PX
O(L]QNNVD#OD/)NNYNVDGK+NKWNVPOGV4\/RLP5L8XJTE=D
3
LMHV
RM GN RU=HNX GQH
4
LIR \NV[NVD GNV IOFXNXN
LMHV
RMXVLNDSNVD L]GNMGVOVRNLQNVD GNVHOKJGKQVJHVD /)NNILU
IGNJ6$
5
LMHV
RM GN RU=HNX GQH
LNDSL]GNMGKOVRGNE=GNPQaQV
OVRNGVGN=GVI\LIR
WXNVDGNVIOFXNXNJ6$
JHLMHV
RMGKY[\KFVQNMKGVYNMD+NHVDJ6D
O8UNVDNLIR WXNVDGKFVQNMKNFVQNMK
LIR WXNVDGKFVQNMKHVDJMIR
RNOKLMHV
RMGVRSXOV@YN5HNGK
ONH)N= OV OI7WUJNV[N@YN5HNGV RMQNXNVD HVD OIJNV[N@IS8J@
SH5GNMYN6MYN
S=GHNV=GNVGMV[NYN6MEOL]GNMOVRNGNGN=
GMV[N$
LNDSL]GNMGKOVRGNE=IR
RNIONVDGVI\@IR
RNIONVDGKOVRN
GVI\QK[E=J6@IR
RNIONVDGNVLNDSL]GNMGVOVRNINGNIMNVDGK
OVRNGVI\XJKDIQN[NJ6$YNWJHGE=G\KIONYNVDYN6MOVRN
OD/)NNYNVDHVDQV>NUVJ6DIGJHLNDSL]GNMGKOVRNGMXVRN\VOVRNI
NGNMKEOUMJ2RJNMGMUVJ6D@IR
RNIONVDOVJYLV^NNM>NUVJ6D
IGRVJHNMKWMUNVDGNVLZMNGMXVGVI\J6D@P8JVDJHNMKGN=OZSK
GNVYN6MJHNMVQ
N=XGNVLZMNGMXNJ6LIR WXNVDGKFVQNMKHVDV
FNUVDQZMJNVWND[K$
YFGNINGNMÊÑRQHPDQDUP\ÐGKFNUXJKDMJV[K$L]+NTGK
OVXN RJ OVXN JNV[K IWOHVD GE= JWNMNVD YN6M \N>NNVD LIR WX
ÑIR
RNOKÐJNVD[V@WNVOVRNGNGNHGMXVGVI\U6NMIG[J6D$
OVXNLIUYN6MY[TRV UNV JNVD[V@LMDUT GJK2I'UGNFNV\FN\NÊ
ÑRQHPDQVKRZÐXJKDJNV[N$
WFLIR WXNVDGNVU6NMIGNWN[NYN6MOVRNHVDHT'UIGN
WN[N@UFJHHOKJGVQVJGKP8XIUGNVQV>NVD[V VOKP8XIU
WNVLJ\VG+NKXJKDQV>NK[E=)NK$
UFLMHV
RMJHO+NNVDGNVIR
RNOGKGUNHVDYN6MLMHV
RMGV
LT GV.NXHVD\N[N$JHHOKJGK0K\0N6\HVDFWND[VYNW
6
LIR \NV[NVD GNV IOFXNXN
HOKJK IR
R GK YNVM QV>NVD@
NNQ GT1 \NV[ GJVD[V IG O+NK
IR
RNIONVDGNIR
RNOGKGUNHVDYNXNYOD+NRJNV[N$IQJH
LK1VHT0GMY8NGNMT[NVDHVDQV>NUVYN6MPXIQXNVDHDVJGJUVIG
O5I4MOVFJN\IGNWN[N@IGJHLIR YN5HNGVGN=GNV
YXT+NRGMDV[VYNIQ@UNVJYOD+NR\[UN)NN$I4M+NKQV>NVD@JHGJND
J6DL]+NTXV'NIGNJ6QV>NVDEOI\JHVDU6NMMJXNJ6$WNVYNW
YODD+NR\[UNJ6@RJW<QJKRN/UIRGUNFXWN[N
UFHOKJVOKG\KIONGVI\\N69YN[NIWOHVDXUNV
GNVE=QN[JNV[N@YN6MX!TMK=@RJVOKQVJGVI\YN[NWJNDLM
JMOQ/YLXVOJK/)NNXHVDJ6D@GON)NWNV0N[NYN6MJMGNVE=
YLXNGNHGMUNJTYNÑEI4Ð$
D;k rqe ugha tkurs fd ifo= yksx txr dk U;k; djsaxs\ blfy, tc
rqEgsa txr dk U;k; djuk gS] rks D;k rqe NksVs ls NksVs >xM+ksa dk
Hkh fu.kZ; djus ds ;ksX; ugha\ ÑGTIMÐ$
LMHV
RMGV\NV[NVDGVI\FNV!YN6M[JMNLV]HJNVXNSNIJ RJK
LV]HWNVLMHV
RMGVHXHVDPOGV\NV[NVDGVI\J6$LMHV
RMGNLV]H
YXTISULV]HXJKDJ6 WNVLNLGNVXWMY8QNWGMUNJ6@WNVIXF=\UN
GNVQZMXJKDGMUN@YNIQ$FI<GLMHV
RMGNLV]HHWFZULV]HÊJ6@
VONLV]HWNVFXNMJUNJ6@RJLV]HIWOGKGNVE=OKHNXJKDJ6@ILUN
GNLV]HWNVXN
NXGMUVJTUN0XNQVUNJ6ÑEF]NIXNVD Ð$J
VONLV]HJ6WNVNKMWRDU@QN\TJ6@OFFNUNVD LM+NMNVONGMUNJ6@YN6M
I4M+NKLNLHVDYNXDIQUXJKDJNVUNÑGTIM Ð$WFJHLIR
WXNVD GKOVRNGMUV J6D@UNV JKLV]HJHVD LV]IMUGMXV LNÑGTIM
Ð$
LIR \NV[NDVGNVIOFXNXVÊGVIRNLMJHNMKSSN=WNMK
M>NUVJT@JHVDLIR \NV[NVDGKFVQNMKHVDLIR WXNVDGKYN6MLNDS
L]GNMGVOVRNINGNIMNVDGK+NZIHGNGNVOH!XNJNV[N$LNDSL]GNMGK
OVRNHVDGN=MUOVRNINGNMKLMHV
RMGKXE=FVQNMKHVDG6OVYN[VF
OGUVJ6D?LIR \NV[NDVGKFVQNMKIGOL]GNM
NJM2NLKG\KION
GNVYN6M
NJMGVLIMRU=XGNVL]+NNIRUGMOGUKJ6?EXGT1FNUNVD
LMJHYNXVRN\VYNNVDHVDYLXNNXGVI8Q]UGMVD[V$
9
LIR WXNVD GK +NZIHGN
2
ifo=tuksa dh Hkwfedk
LMHV
RM GK RU=HNX FVQNMK HVD YN6M LIR WXNVD ÑIR
RNIONVDÐ GK
OVRGNE=HVDJHVDLIR WXNVDGK+NZIHGNOH!XVGKYNR
GUNJ6$
gj fo'oklh lsod gS
ijarq geesa ls gj ,d dks elhg ds nku ds ifjek.k ls vuqxzg feyk
gSA vkSj mlus fdruksa dks izsfjr fu;qDr djds] vkSj fdruksa dks
Hkfo";}Drk fu;qDr djds] vkSj fdruksa dks lqlekpkj lqukusokys
fu;qDr djds] vkSj fdruksa dks j[kokys vkSj mins’kd fu;qDr djds
ns fn;k] ftlls ifo= yksx fl) gks tk,a] vkSj lsok dk dke fd;k
tk,] vkSj elhg dh nsg méfr ik, ÑEI4IONVD@@Ð$
JMGIR
RNOKGNVYXT[]JYN6MGT1RMQNXIQ[J6DWNV
L]+NTXVPXGVWKRXNVDHVDM>NVJ6D$LNDSL]GNMGKOVRNGMXVRN\VOVRGNVD
GNVU6NMGMXVGKIW(HVQNMKON6DLK[E=J6@UNIGLIR \NV[OVRNGN
GN= GMOGVD$
WJNDUGFNEF\GKFNUJ6@JMGIR
RNOKOVRGJ6YN6MPOV
OVRNGNGNHGMXNJ6$OVRGNE=GVR\LNDSL]GNMGVOVRGNVDGVI\
XJKD J6$
D;ksafd tSls gekjh ,d nsg esa cgqr ls vax gaS] vkSj lc vaxksa dk ,d
gh lk dke ugha] oSlk gh ge tks cgqr gSa] elhg esa ,d nsg gksdj
vkil esa ,d nwljs ds vax gSaA vkSj tcfd ml vuqxzg ds vuqlkj tks
gesa fn;k x;k gS] gesa fHké&fHké ojnku feys gSa] rks ftldks Hkfo";}k.kh
dk nku feyk gks] og fo’okl ds ifjek.k ds vuqlkj Hkfo";}k.kh djs
ÑMNVIHNDV Ð$
10
LIR \NV[NVD GNV IOFXNXN
JOSJ6IGO+NKIR
RNIONDVGVlekuGU2=XJKDJ6D@LMDUT
J/L9J6IGO+NKIR
RNIONVDGNVHOKJGKQVJHDVdqN GN=ON6DLV
[J6D$JHHVDOVJMGGNVRMQNXIQ[J6D@WNVLMHV
RM`NMN
JHVDIQ[YXT[]JGVYXTONMYN6MWNVIRI
N9GU2=JHVDHOKJ
GKQVJHDVLZMVGMXVJ6D@PXGVYXTONMJ6D$
JMGIR
RNOKGNVEOO3SNE=GVL]IUWN[CUMJXNJ6IG
PXGVLNOGOVRGNE=J6$LMHV
RMXVLJ\VOVRMQNXNVD@YXT[]JGV
QNXNVDGNVP8JVDIQNJ6YN6MJMGIR
RNOKGNVGNQNVGN=ON6DLV
J6D$
LMHV
RMYLXVLIR \NV[NVDGNVRMQNXRDYXT[]JGVQNXQVUN
J6@JEOI\UNIGVRMQNXGQZOMVGKOVRNGVI\PLNV[
IGWNOGVD$EOI\IR
RNIONVDGNV/)NNXKG\KIONHVDIRI+N8X
/UMNVD LMYLXV YLXV RMQNXNVD GNPLNV[GMXV GNYROML]QNX
IGNWNXNSNIJ$JOSJ6IGJEOUMJIGNWNXNSNIJ
IWOOV ON)NJKON)NPXHVD HOKJSIM GNIRGNOJNV YN6MP8JVD
LIML'RUNL]N,UJNV@UNIGRVYINGNIMNVDGKPISUYNKXUNHVDMJDV
YN6M/)NNXKG\KIONGVQ
N=XYN6MIXQV=
NXGVYXTONMS\VD$LMDUT
H6DXVJQV>NNJ6IGJHNMKYINGUMG\KIONDVOV\NV[NDVOV+NMK
J6DIW8JVDPXGVRMQNXNDVGNVZDIXGN\XVYN6MPXGNPLNV[GMXV
11
LIR WXNVD GK +NZIHGN
JVUTP5ONIJUXJKDIGN[NJ6NVOV\NV[NDVOVVG\KIOND+NMK
J6DWNVYLXVRMQNXYN6MYXT[]JGVQNXNVDGNVWNXUVJ6D@LMDUTYROM
GVY+NNRHVDPXGNPLNV[XJKDGMLNUVJ6D$ONHN8UN6MLM@FJTU
GHJ6DWNVL]I
N^NNLNMJVJ6DÊNSIM IRGNO@LIML'RUN@YN6MY
NKXUNW6OV IRNNVD GNV \VGMGV JTJ6D@YN6MFJTOD>VOV J6D WNV
IXIJ6DYN6MIGOKL]GNMGNGNHXJKDGMMJVJ6D$
EOV FQ\XV GK WMU J6$ /)NNXK G\KION GVR\ POK
YXTLNUHVDOSHTSGN=GMMJKJ6ÑNOIJ6ÐIWUXNL]IU
NU
POG\KIONHVD OIJ6 YN6MYLXKOVRGNENVD HVD GN=MUJ6$
IWOON6\NV[NVDGKG\KIONHVDGVR\FKO\NV[YLXVRMQNXNVDGNV
YN6MGU=2GV/)NNXGNVOH!LNJ6DYN6MOILOVOVRNGM
MJVJ6D@RJ/)NNXKG\KIONFKOL]IU
NUGN=GMMJKJ6YN6MPO
G\KIONHVDY/OKL]IU
NUGU=2MIJU@YGH=YN6MIX\NV[
JD6$
ftlls lkjh nsg gj ,d tksM+ dh lgk;rk ls ,d lkFk feydj] vkSj
,d lkFk xBdj ml izHkko ds vuqlkj tks gj ,d Hkkx ds ifjek.k
ls mlesa gksrk gS] vius vki dks c<+krh gS] fd og izse esa méfr djrh
tk, ÑEI4IONVÐ$
WFJMG+NN[YLXVIJ/OVGNGNHLZMNGMV[N@UFQVJGK
P8XIUJNV[KYN6MRJHOKJGVOHNXLIML'RUNHVD@LV]HHDVP8XIU
GMV[KHOKJGKQVJGV JMIR
RNOKGV OIJNVXV YN6MYLXK
OVRGNE=HVDGN=L]RNJNVXVGVI\JGNMNLN=,UJ6$
dqN fo'okfl;ksa dks cktkjksa esa lsok ¼lqlekpkj lqukus
ds fy,½ ds fy, cqyk;k x;k gS
GT1 IR
RNIONDV GV I\@ PXGK OVRGNE= GN HDS /)NNXK
G\KIONGNLT\IL9XJKD@LMDUTI[MWN"NMGVFNJMGN2NLNM^NV
12
LIR \NV[NVD GNV IOFXNXN
J6 GNMNVFNM@OMGNMKGNN=\@I
N^NN@HXNVMDWX@G\N@ODSNMHN
H@>NV\GZQYNIQ$
JHVDOH!XNJ6IGOVRGNE=RJNDJNVUKJ6WJND\NV[JNVUVJ6D
/)NNXKG\KIONHDV YN6MFNJM+NK$GE= IR
RNIONVD GNV /)NNXK
G\KIONGVFNJMYLXKOVRGNE=GMXVJVUTRMQNXYN6MYXT[]JIQ
WND[$V EOGNY)N=JXJKDJ6IGPXGKOVRGNE=/)NNXKG\KION
OV WT0KJTE= XJKD J6$/)NNXKG\KIONRJ/)NNXJNV[NWJND LM
P8JDV U6NM IGN WNUN J6 YN6M OH)N= FXNN WNUN J6$ /)NNXK
G\KION RJ /)NNX JNV[N WJND LM VOV IR
RNIONVD GNV LNVNN@
UNW[K@LMNH
N=@YI+NIQ
NNYNIQL]N,UJNDV[V$LMDUTPXGKOVRGNE=GN
L]N)NIHG^NV /)NNXKG\KIONGVFNJMJNV[N FNJMGKQTIXN
HDV@FNWNMHVD$
RV2NRONIG@2NLNIMG@MNWXKIU.@YN6MI
N^NNIRQaJNVOGUV
J6D$RV FNWNMNVD HVD G\KIOND@L]N)N=XNOHZJ@YN6MOTOHNSNMO+NND
S\NOGUVJ6D$
N\VHGVIR
RNOKWNVOUNRGVGNMNIUUM IFUMJNV[
)NV@P8JNDVXVFNJMWNGMVOV^NV NVDHDVHOKJGNL]SNMIGNWJNDLM
LV]IMUYN6MY[TRVYFUGXJKD[)NVÑLV]GNH@Ð$X[NDRNVDYN6M
13
LIR WXNVD GK +NZIHGN
QVD$EOIRNLMYINGWNXGNMKGVI\LVDGNHGVL]IUFNEF\
YNNNIMUMR6NÊ@YN:\LKL<OSS=GNIRXNHZ<L]GN
NX$
K
NTGKJE31N)NKIGO+NKT[NDVGVIR
RNOKPXIS8JNVDYN6M
SH5GNMNVDYN6MYN
S=GHNVD=GNVGMVDWNVPOXVJNDLC)RKLMMJUVJT
IG$K
NT XV G+NKJXJKD GJNIGIS8J@SH5GNMYN
S=GH=
GVR\L]NMI(+NGG\KIONUGOKIHU)NV$O+NKIR
RNIONVDGVI\
POGKJLZN=E31N)NKIGRVILUNGVGNHNVDGNVGMDVYN6MWKRXNVD
GNV1Z\DV@LMHV
RMGVLV]HGNVL]QI
N=UGMDVYN6MPOGKHIJHNGMVD$
YN5HNGVXN6RMQNXÑGTIM ÐGVR\LNDSL]GNMGV
OVRNLQNVDHVDGN=MUOVRGNVDGVI\JKXJKD@LMDUTO+NKIR
RNIONVDGV
I\PL\&NJD6$
LIR WXNVDGKFVQNMKHVD@JHQV>NVD[VIGIR
RNOKF0VL6HNXNVDLM
LMHV
RMILUNGV GNHNDV GNV GMMJV J6D YN6MIS8J@SH5GNMYN6M
YN
S=GH= GV `NMN YN5HN GV RMQNXNVD GNV L][9 GMVD[V J G
IR
RNOKGNHNXGJNV[N$
14
LIR \NV[NVD GNV IOFXNXN
WNVIR
RNOKILUNGVGNHNVDGNVGMVD[VYN6MYN5HNGVRMQNXNVDGNV
L][9GMVD[V@RVYWKFXJKDJNVD[V$YWKFRVJNVD[VWNVIS8J@SH5GNM
YN6MYN
S=GHNV=DGNVL][9XJKDGMUV
dqN fo'oklh bl ßlalkjÞ ds in vkSj dk;Z dks lEHkkyrs
gq, Hkh ikap izdkj ds lsokdk;ksZa dks dj ldrs gSa
EOGVI\U6NMJNVWNLIR
NN/ HVDGJKDJXJKDFUNN[N
J6IGIWOVLNDSL]GNMGVOVRNGN=GVI\FT\NN[NJ6ÑY)NN=U@
LV]IMU@ +NIR`'UN@ LNOFNX@ I
N^NG N OTOHNSNM L]SNMGÐ RJ
LZN=GN\KXOVRGNE=HVDÊMJV$
LN6\TOLV]IMU)NN@I4M+NKRJU(FZFXNXVGVGNMNVFNMHVD\[N
JTYN)NN@GHOVGHYLXVWKRXGVGT1OHGVI\$EOOVRJ
YLXKLNDSL]GNMGKOVRNFT\NJ9GVI\YNV;IOXJKDJTYN$
LIR WXNVDGKFVQNMKHDVJHLV]IMUNVD@+NIR`'UNYNVDGVPQGNV
QV>NVDV[VYN6MPX\NV[NDVGV+NKWNVLNDSL]GNMGVOVRNGN=HVD GN=MU
MJUVJT+NKFNWNMGV/)NNXHVD2NLNM@MNWXKIU@G\N@HXNVMDWX@
I
N^NNYNIQ^NV HVDGN=MUJ6D$
15
LIR WXNVD GK +NZIHGN
LIR YN5HNGNP0V\NWNXNIFXNPH]+NVQYN6MI\D[+NVQGV
OF\NV[NVDGVI\J6$LIR WXNVDGKFVQNMKHDVJHEOVF0VL6HNXVLM
JNVUVJTQV>NVD[V$WRNX\NV[@WNVXRTRNYR/)NNHVDJD6@RV+NKL]SNM
YN6M+NIR`NNKGMVD[V@HOKJOQC
SIM GNV L][9GMVD[V YN6M
YN
S=GH=@IS8JYN6MSH5GNMGMVD[V$JGYNH"N9XNJNV[K$
IWXFNUNVDGNVOK>NXVHVDLTMNXKLKKGNVON\NVD\[[@P8JVDTRN
LKKUTMDUOK>N\V[K$V IL1\KLKINVD GKFTIXNQLMIXHN=N
GMVD[V$WRNXYN6MFZV@/ KYN6MLTNF0VP5ONJ@FTIHNXKYN6M
WTXZXGVON)NYLXVWKRXNVDHDVLMHV
RMGKFT\NJ9GNVLZMNGMDV[V$
16
LIR \NV[NVD GNV IOFXNXN
3
ik¡p izdkj ds lsokf/kdkfj;ksa dh Hkwfedk
LIR WXNVDGKFVQNMKGVPQOVLNDSL]GNMGVOVRNINGNIMNVDGK
+NZIHGNHVD LIMRU=XJNV[N$LNDSL]GNMGKOVRNHVD GN=MUOVRNI
NGNIMNVDGVXNUVJHLIML'RUNGV/)NNXLM\NWND[VYN6MYLXV
HZ\GN=LMYLXNNXGVI8Q]UGMXVJVUT/RUD IGWND[V
OVRNGV GN= GV I\LIR \NV[NVD GNV U6NMIGNWN[NUNIG
HOKJGKQVJGKP8XIUJNV$
HT!HVDONH)N=GVON)NL]+NNR0N\UKJ6UXHX\[NGMLIM-H+NK
GMUNJZDÊÑGT\T@Ð$OVRGNE=HVDJHNMNGN=EOKGVYXTONM
JNVXNSNIJ@WNVJ6\NV[NVDGNVHOKJHVDLIML'RFXNGML]/UTUGMXN
18
LIR \NV[NVD GNV IOFXNXN
JOSJ6IGO+NKYD[NVDGVOHNXGU=2XJKDJD6@I4M+NKJY5DU
YNR
GJ6 IGJHEOFNUGNV OH!VD IGO+NKIR
RNIONVD GNV
HOKJGKQVJHVD GT1OHNXGU=2LZMV GMXNJ6 ÑMNVIHNDV Ð$
IR
RNIONVDGNVPXGVOQ/5RGVGN=GNV>NNVWIXGN\XVJVUTYN6M
LZMNGMXV JVUT OIFXNNWNXNSNIJ$LNDSL]GNMGV OVRNI
NGNIMNVD GV XNUV@JHNMKIW(HVQNMKJMIR
RNOKGNV QVJHVD POGK
OVRGNE=>NNVWXVYN6MLZMKGMXVJVUTL]NV5ONIJUGMXNJ6$
19
LNSL]GNMGV OVRNINGNIMNVD GK+NZIHGN
¾ ILUNGVGNHPOO8QV
NOVYINGHJ5RLZN=)NVIWXGNK
NT
XV L]SNMIGN@EXGNHNVD XV POGV HOKJJNVXV GNV L]HNINU
IGN$R/UTU@POXVGJNIGIQRJYN
S=GH=XJKDGMUN@
UNV JHVD JIR
RNOGMXV GKWMUXJKD J6 IGPOXV 'N
GJNÑZJ8XN@@@Ð$
¾ I4I\,LTOGV I\K
NT XV I4MGFNMPXGNHNVD GKYNVM
ODGVUIGNIW8JVDRJGMMJN)NN@JL]HNINUGMXVGVI\
IGRJOSHTSILUNGKYNVMOV)NNÑZJ8XN Ð$
¾ WFZJ8XNFLIU/HNGMXV RN\V XV K
NT GV IRNHVD O8QVJ
IGN@UFL]+NTXVI4MGFNMPXYN
S=GHNV=DGKYNVMODGVU
IGNIW8JDVRJEOFNUGVL]HNNGVLHVDGMMJN)NNIG
RJOSHTSHOKJJ6 ÑH¿NK Ð$
LNDSL]GNMGVOVRNINGNMKJNVXV GVXNUV@JHVD /RDY\N6IGGFNUNVD
GNVL][9GMXVJVUT YN[VFXNJ6$JHVD LIR \NV[NDV GNV+NKYN
S=GHNV@D=
IS8JYN6MS5HGNMNVDGNVL][9GMXVJVUTU6NMGMXVGKWMUJ6$
21
LNSL]GNMGV OVRNINGNIMNVD GK+NZIHGN
iszfjr
LV]IMUNVDGNVIWOGN=GNVGMXVGVI\FT\NN[NJ6 XKDR0N\XV@
NDSNU6NMGMXVYN6M/R[K=XHZXVGVYXTONMMSXNU6NMGMXV
POGN= GNV GMXV JVUT /R[= OV X'
NNL]N,UGMXNJNV[N$LV]IMU
IRI
N9 OVRGNE= GV I\ LMHV
RM `NMN IQN [N X'
NN L]/UTU
GMVD[V$ GT1 VOV LV]IMU JNVD[V IWXGV LNO OTOHNSNM LJTDSNXV JVUT
OHNWN+NN6[NVI\G/)NNXNVDGVIRI
N9^NV NVDGNV>NNV\XVGKGTDIWND
ÑNVWXNDÐJNV[K$GT1VOVLV]IMUJNVD[VIWXGVLNOPXGV
NJMNVDN
L]N8UNVDHVDLIMRU=X\NXVJVUTQ
N=XYN6MLMHV
RMGKYI+NIQ
NNJNV[K$
Hkfo";}Drk
VOV+NIR`'UNYNVDGNPQJNV[NWNVYLXKYLXK+NIR`NINNVDGV
`NMNHCUQ
N=XNVDGNVLTXWK=IRUGMVD[V@LMHV
RMGKYNVMOVAEOOH
GVI\RSXL]N,UGMVD[V@LV]IMUNVD`NMNL]/UTUIG[Q
N=XNVDYN6M
NVWXNYNDVGNVYH\HVD\NXVJVUTF\L]QNXGMVD[VÑW]N@Ð$
f'k{kd
JHVDHWFZUYI+NIN'UI
N^NGNVDGKY>NI0UOVRGNE=GKYNR
GUN
JNV[KWNV LIR \NV[NDV GNV O(LZN= I
N^NNL]QNXGMVD[V@P8JVD P8XIU
L]QNXGMVD[V@LIML'RYN6MIOFXND[V$
iklcku
JH VOV LNOFNXNDVD GNV QV>NVD[V WNV LMHV
RM GV HX GV \NG JD6
ÑIH=NJÐ$WNVLMHV
RMGVILUC5RGK[JMKOH!GVON)NYN6M
LMHV
RMGVLIMRNMGVI\FNV!GVON)NLMHV
RMGV+NRXHVDLIR
\NV[NVDGNLN\XLNVNNGMVD[VYN6MP8JVDHWFZUFXND[V$
22
LIR \NV[NVD GNV IOFXNXN
lqlekpkj izpkjd
YI+NIN'UOTOHNSNML]SNMGNVDGNPQJNV[NWNV4O\GNVEG9a%N
GMVD[VYN6MEOGN=GNVGMXVJVUTIR
RNIONVDGNVU6NMGMVD[V$
/)NNXKG\KIONIXI
SU/)NNXHVD LMHV
RMGN+NRXFXK
MJV[KÑUKHTÐ$JMIR
RNOKYF+NK/)NNXKG\KIONGN
OHIL=URDIW(HVQNMOQ/JNV[N$RVYF+NKHOKJGKYNI5HGQVJ
HVD/)NNXKH0\KGNHJ5RLZN=+NN[FXGMYLXKOQ/UNGNV
LZMNGMDV[V$RV/)NNXKG\KIONHVDYF+NKYLXVQORND
NYN6MQNX
QVD[V$LMHV
RMGV\NV[NVDGVHYF+NKHU)NN2R/)NNJNV[KÑ
GTIM@Ð$LIR \NV[YXT
NNOXJKXN2R/)NNMIJUÊXJKD
FXVD[V@YLXKQCI9HVDWNVPISU\[UNJ6POVJKXJKDGMVD[V YLXV
JKQ
N=XNVDYN6M/R,XNVDGVYXTONMXJKDS\VD[VÑ8NINVDÐ$
NV\GKLT/UGHVDIWOOVXNGVIRNHVDI\>NN[NJ6POGV
OHNX@LIR \NV[NVDGNVYLXKLDI'UHVDYI+NNXGMXNOK>NXNJNV[N@
YLXKLDI'UGNV1NV0GMXS\XN@GQZOMVGNVN'GNXQVXN@YN6M
YLXKJKMV>NNHVDS\XNJNV[NÑNV\ Ð$
23
LNSL]GNMGV OVRNINGNIMNVD GK+NZIHGN
24
LIR \NV[NVD GNV IOFXNXN
25
YN[V FXN
4
vkxs c<+uk
LIR \NV[NVDGKFVQNMK OVRNGNGN=GMXVJVUTLMHV
RMGV\NV[NDV
GNV IOJNVUV JTQV>NXV JVUT LMHV
RM`NMNFNN[NGQH
IXG9J6LNDSL]GNMGVOVRNINGNMKJNVXVGVXNUV@JHVDLMHV
RMGK
EO FVQNMK GK YNVM YN[V FXN J6$ JH LMDLMNYNVD GNV N JHNMK
YOTM^NNGK+NNRXNYNVDGNVLMHV
RMGVPQaQV
NDVYN6MEOLC)RKLM
POGVRU=HNXGN=GKYNVMYN[VFXVGVHN[=HVDFNNNXJKDFXXVQV
OGUV$LNDSL]GNMGVOVRNINGNMKWNVYN[VXJKDFXNSNJDV[V@RVLK1V
MJWND[V@WFIGLMHV
RMGKPLI/)NIUGNAFNQ\YN6MYN[
GN
>N(+NNYN[VFWN[N$
26
LIR \NV[NVD GNV IOFXNXN
¾ JHHVDOVGT1\NV[LTMNXVLNQMKYN6MONHN8IR
RNOK \VH6X
GKHNXIOGUNM>NUVJ6D$JHVDOH!XNJ6IGJMGIR
RNOK
OVRGJ6$
¾ JHHVDOVGT1YNW+NKAYNI5HG
YN6MAODONIMG
HVD4G=QV>NUV
J6D$LMHV
RM`NMNIXT'UJM[IUIRINOVRGNE= J6@SNJV RJ
I[MWN"NMGKEHNMUHVDJNVNODONMHVDÑIX[HGNN=\@I
N^NN
OD/)NNX@>NV\GZQGNH6QNX@E5NQKÐ$
¾ JHHVD OV GT1\NV[YLXKH
NGNVD GNV JHNMKG\KIONN
OVRGNE=GKMSXNYN6MH FQ\XVGVI\U6NMXJKDJ6D$
XNQN>NMOXE=H
NGNVDHVDJKM>NNWN[NÑH¿NKÐ$
¾ RU=HNXOHHVDLIR YN5HNGVP0V\VWNXVÑXNQN>NMOÐGV
I\XE= G\KIONE= ODMSXNYN6ML]
NNOXÑXE= H
NGNVDÐGK
YNR
GUNJ6$JHNMKG\KIONNOVRGNE=GKMSXNHVDLNDS
L]GNMGV OVRNGNNV=D GV I\ LV]IMU@+NIR`'UN@LNOFNX@
I
N^NG@OTOHNSNML]SNMG /)NNXXJKDJ6$JHNMKG\KIONE=
ODMSXNGV`NMN@JHXVPXOVRNGNNV=DGNVIH9NIQNJ6IW8JVD
HOKJXVG\KIONHVDYNMD+NIGN YN6MEOGNMNIXI
SU
LOVOVRNGVGN=GVI\LIR \NV[NDVGNVU6NMGMXVGN
GNVE= HN[= JHNMV LNOXJKD J6$JHYLXKG\KIONE= ODMSXN
YN6MHGNVFQ\QDV@Y8)NNJHVOKH
NGVDFXWND[VIWXHVD
LIR YN5HNGNQN>NMOXJKDJNV[N$
¾ JHHVDOVGT1IXI
SUIRINNVDYN6ML]NNI\NVDOVI\L9VJTJ6D$
JH VOK L]NNI\NVD YN6M NVWXNYNDV GN PLNV[ GMUV J6D WNV
RN/UIRG)NKD@LMHV
RM`NMNQK[E=)NKD@LMDUTGT1IXI
SUOH
GVI\)NKD$LMHV
RMWNVGT1GMMJNJ6POGVON)NJHYN[V
XJKDFVJ6D$WNVG\GVI\PLNV[K)NN@WMKXJKDJ6IG
POUMJLMHV
RMYNW+NKGN==GMXNSNJV$LMHV
RMGVON)N
GQHFND$
27
YN[V FXN
mnkgj.k %
LKU\GNONDLÑI[XUK@MNWNÐ$
HZONYN6MS9a9NXHVDOVLNXKÑIX[=HXI[XUK
Ð$
ZJ8XNFLIU/HNGMXVRN\NÑZJ8XN Ð$
YLT<\NVOÑLV]GNH Ð$
EI4OTOHVDZJ8XNFLIU/HNGMXVRN\VGVYXTNK
ÑLV]GNH Ð$
vlqj{kk dh Hkkoukvksa ls eqDr gksa
JHYOTM^NNGK+NNRXNYNVDGNONHXNGMVDYN6MPXOV1T9GNMNLND$
LMHV
RMGV\NV[NVDGVAILUN
YN6MAHNUN
FXXVJVUTJHVD>N0VJNVXV
GKYNR
GUNJ6$
LN6\TOGVOHNXJHVDAUKHTI)NTO
GNLIMLNVNNGMXVGVNV;
FXXVYN6MP8JVDVOV/)NNXHVD\NXVGKWMUJ6WJNDLMRVJHNMV
OJGHK= FXVD[V ÑMNVIHNVD ÐYN6MOVRNGV GN= GNV GMXV NV;
FXVD[V@W6OVJHGMUVJ6DÑGTIMÐ$
28
LIR \NV[NVD GNV IOFXNXN
LMHV
RMXVLV]IMUNVDYN6M+NIR`'UNYNVDGNVG\KIONHVDM>NNJ6
ÑGTIMÐ$LMHV
RMXVG\KIONHVDWNVM>NNJ6POVJ9NXN
JHNMNGNHXJKD J6$
WNV\NV[JHNMVLJ\VJNVGM[YN6MIW8JNDVXVLIR YN5HNGV
L]GN
NXYN6MY8FNUNVDGVX^NV NVDHVDL]RV
NIGN@PXOVJHDVOK>NXN
J6$VI
N^NNDYN6MYXT+NRI\I>NURSXNDVGVIRMNVNHVDXJKDJ6D$FI<G
RVPXFNUNVDGNVLTX/)NN=ILUGMUVJ6DYN6MQCGMUVJ6DIWXGKNVWXN
LMHV
RMXVLJ\VJKYLXV\NV[NDVGVI\U6NMGKJ6$
JHVDLV]IMUYN6M+NIR`'UNYNVDGV`NMNL]GN
NXRDRMQNXNVDGNV
L]N,UGMXNJ6$
JOSJ6IGWFJHYLXVWKRXNDV GNVLVI] MUNVD YN6M+NIR`'UNYNVD
GVI\>NNV\QVD[V@UFJHHVDOVGT1\NV[NDVGVI\JF0NGN=
JNV[N$LMHV
RMHVDYN6MPOGVYN5HNHVDWJNDJHLJ\VG+NKXJKD[
J6DPOOVYN[VWNXVJVUTJHVDSTXN6UKL]N,UJNV[K$WNV[ZFNUVDYFUG
LMHV
RMGVRSXHVDI1LKJTE=)NKD@IW8JDVJHNMKYNI5HGYND>NNVDXVXJKD
QV>NN J6@ JHNMV I\ YSNXG OWKR JNV P%VD[K ÑEI4IONVD Ð$
YNI5HG MJ/NVD GV I\ YLXK YND>NNVD GNV >NNV\ QVXN LV]IMU YN6M
+NIR`'UNYNDVGKOVRGNE=GNIR
NVN[TNJ6$
GYN6M^NV HVDJHVDUFSTXN6UKL]N,UJNV[KWFJHLV]IMUYN6M
+NIR`'UNGKOVRGNE=GVI\YLXVkQGNV>NNV\QVD[V@RJJ6JH
HVDOVGE=\NV[NDVGVI\@JHNMKXKDRVDI4M0N\KWND[K$JHXVVONVSN
JNV[NIGJHNMVLNOOVRGNE=GVI\E=
RMIR.NXGKOJKFTIXNQ
J6@/)NNXKG\KIONGV IRNHVD OJK.NXJ6@YNIQ$LMDUT JH
WNXDV[VIGEOHVDOVFJTUGT1HXT`NMNFXNNJTYN)NN HN
GN%N"NNON4ZO$LV]IMUYN6M+NIR`'UNGT1^NV NVDHDVJHNMV
I\I4MXKDRGNV0N\VD[VWNVOSHTSL]+NTGKYNVMOVJD6YN6MPOGV
RSXGVYXTONMJ6ÑGTIMEI4@Ð@UNIGJHPOLM
29
YN[V FXN
IXHN=NGMOGV$LIMNNH/RL@JHNMVWKRXYN6MOVRGNENVDGNV
XNL UNW[K+NMNLL]QNXJNV[N WNVOSHTSJHNMVL]+NTYN6M
MNWNGNVISI UGMUNYN6MQ
NN=UNJ6@FWNEOGVIGHXTGNV$
ifo= yksxkas dks fl) cukus dh O;ogkfjd dqaft;ka
fo'okfl;ksa dks Bksl vkgkj nsa
IQJHYLXVLT\IL9OVLIR \NV[NVDGNVGVR\QZNIL\NUVJ6DN
Y8GNVE=UM\NIXF=\O8QV
NOTXNUVJ6D@UNVJHJYLV^NNXJKD
GMOGUVIGLIR \NV[OVRNGVGN=GVI\IOFXVD$LMHV
RM
GKLZR=HXONJKIR
RNIONVDGNVJM+N\VGN=GVI\LZN=LOV
IOFXN[KÑUKHTÐ$
H6D EOFNUGNV OH!UNJZD IGI
N
NTYNDV GNV RSXGV QZNGK
YNR
GUNJ6ÑLUMOÐ$LMDUTJHVDI
N
NTYNVDGNVW<QKF0NJNVXV
GVI\P5ONIJUGMXNJ6@UNIGRVRSXGN%NVO+NNVWX[]JNGM
LNDÑEF]NIXNDV Ð$
JHVDLMHV
RMGKLZN=HXONGNV"NNVINUGMXNJ6@IR
RNIONVDGNV
YN5HNGKFNUNVDHVDL]I
NI^NUGMXNJ6@POIRNHVDP8JVDIO>NNXNJ6@
LIR YN5HNGVRMQNXNVDGNV@IS8J@SH5GNMNVDYN6MONH)N=GVGNHNVDGNV
OIFXNXNJ6$JHVDHOKJ OQC
NSIM YN6MLIML'RUNGVIRGNO
GNVHJ5RQVXNJ6$
30
LIR \NV[NVD GNV IOFXNXN
31
YN[V FXN
LIR YN5HNGVRMQNXNVDHVDGN=GMXVYN6MY\N6IGGFNUNVDGNVL][9
GMXVJVUTIO>NNXVGKYNR
GUNJ6$
FNWNMNVDHVDOVRNMUIR
RNIONVDGNVJIO>NNXVGKYNR
GUN
J6IGRVYLXVGNHNVDHVDFNEF\GVION8UNVDGNVG6OV\N[ZGMVDYN6M
EOLMHV
RMGVL]GNMMN7GVL]+NNRGNVG6OV/)NNILUGMVD$
FNWNMNVDHVDOVRNMUIR
RNIONVDGNVJIO>NNXVGKYNR
GUN
J6 IGFNWNMNVD HVD LMHV
RMGV MN7GV XNGNVD GNV ÑSN6GK@OD[IU@
I[MWN"NMÐ/)NNILUGMG6OVLMHV
RMGVMN7GKFN6UMKGNGNMN
FXVD$G6OVPXXKIUNVDGNVL]+NNIRUGMXVDIWOOVMN7YN[VFOGV
YN6MG6OV NXGNV LMHV
RMGV MN7GV GNHNVD GV I\/)NNXNDUIMU
IGNWN$
LMPOGVOOZME)N]NVXVPOVVONGMXVGVIXQV=
NIQ)NVÑIX[=HX
Ð$
5
'kgj O;kih dyhfl;k
'kgj O;kih dyhfl;k esa u, ifjorZu
WF
NJM2NLKG\KIONU6NMJNVWN[KYN6MOVRNGVI\HT'U
GKWN[K@UF
NJMGN'NJNV[NÑNIGOK+NK+NN6[NVI\G^NV GN
X[M@[NDRÐ?
G\KIONIXIHULOVYLXKMIRRNMGK/)NNXKO+NNYNVDHVD
EG9a%NJNVXVGVFWN@L]NFNWNMNVDHVDEG9a%NJTYNGMV[K$IRI+N8X
/)NNXKG\KIONYNVD GV LIR \NV[O,UNJGV LNDSN1IQX
FNWNMNVDHVDIH\VD[V@YN6M/)NNXKG\KIONYNVDHVDO,UNJHVDGNQNV
FNMEG9a%NJNVD[V$VO+NKLIR \NV[FNWNMNVDHVDLMHV
RMGNVL][9
GMXVJVUTU6NMIGWND[V$PXGKYNHLJSNXJNV[KHOKJGK
L]+NTUN$/)NNXKG\KIONYNVD GVXNH@I4MGVNOVRGNE=GKOD\;XUND
O+NKIH9WND[KYN6MPXGNHJ5RXJNV[N$LMHV
RM`NMNIXT'U
Y[TRNVDGNG\KIONHVDYN6MFNWNMNVDHVDPQJNV[NYN6MRVGON)N
IH\GMODLZN=ODONMHVDLMHV
RMGKHIJHNGNGNMNFXVD[V$
LIMNNH/RL@
NJMLML]+NNR0N\XVJVUT/)NNXKG\KIONYNVD
HVDPLT'UODONNXNVDGVON)NJHODT'UGN=RNJKQV>NVD[V$
NJMHVD
OVRGNE=GMXVRN\KHN GJK/)NNXKG\KIONXJKDJNV[K$
'NYNLQV>NOGUVJ6DIGWFPLT'UODONNXNVDGVON)N
NJM
2NLKGN=RNJKJNV[K@YN6MLMHV
RM`NMNIXT'UL]VIMUY[TRV JM
GN=RNJKHVDHN[=Q
N=XGMVD[V@UFJH
NJMLMG6ONL]+NNR0N\VD[V?
PXYNMNNXN9KHNV@D WRNXNVD GKOTOHNSNMOVRNYNV@D O0GNVD LMOTOHNSNM
OTXNXVRN\VOTOHNSNML]SNMGNVD@H/)NUNGMXVRN\VL]N)N=XNOHZJNVD@
FNWNMNVDHVDY8HJ5RLZN=OTOHNSNMOVRND@ONHNIWGGN= O0GNVD
35
NJM 2NLK G\KION
LMWKRXIFUNXVRN\V@[MKF@FV"NMYNIQ\NV[NDVGKHQQGMXN
YNIQFNUNVD GKG<LXNGMVD IWXGNODSN\XRV LIR \NV[GMVD[V
IW8JVD EX IRI
N9 OVRGNENVD GV I\ FNV! J6$ UF
NJM 2NLK
G\KIONOHNWHVDcDSKYNRNWFXV[KYN6M
NJMGVFQ\NRGN
GNMNFXV[K$tc 'kgj O;kih dyhfl;k cny tk,xh] rc
'kgj cny tk,xk!
ijes'oj ds jkT; dh ekufldrk dk fodkl djuk
PXIR
RNIONVDOV@WNVG\KIONHVDOVRNGVGN=GVI\U6NMIG
[J6D YN6MHT'UIG[J6D@LIMLZN==
NJM2NLKG\KIONGN
IXHN=NGMXVJVUTJHG6OVGON)NLIM-HGMUVJ6D?
W6ONIGLJ\VGJN[NJ6@IRI+N8XG\KIONYNVDOVYNXVRN\V
IR
RNOKG/)NNXHVD GNHGV/)NNXHVDEG9a%NJNVUVJ6D$HVMKJK
G\KIONOFOV Y31KJ6ÊJON(L]QNIGUNRNQKMR6NM>NXV GV
FWN@YLXVGNHGV/)NNXNVDLML]+NNR0N\XVGVPQaQV
OV9KHGV
LHDV GN= GMXV JVUT P8JDV L]NV5ONIJUIGNWNXNSNIJ$
NJM
2NLKG\KIONHVD E=
RMK2R/)NNGNP<\D"NXIGF[6M@IQ
IR
RNIONVD GNV Y8/)NNXKG\KIONYNVD GV IR
RNIONVD GV ON)N
dke ds LFkku ij lsok esa ,d lkFk ifjJe djus gsrq
fl[kk;k vkSj izf'kf{kr fd;k ugha tkrk] rks ijes'oj ds
jkT; dk mn~ns'; iwjk ugha gksxkA
LV]IMUGKFT\NJ9M>NXV RN\V Y[TRNVD GNV ODONNXNVD GNV Ñ\NV[@
OHYN6MNXÐEG9a%NGMXVRN\V
NJM2NLKGN=RNJKGNXVUC5R
GMXVJVUTU6NMMJXNJNV[N@
NJMHVDLMHV
RMGVMN7GK/)NNLXN
JNVUV JTQV>NXV GV I\P8JDV /)NNXKG\KIONGKGNR9NVD GNV
\ND"NXNJNV[N$fdlh ,d O;fDr dks] lsodkbZ dks ;k LFkkuh;
dyhfl;k dks c<+kok u nsrs gq, mUgsa ,slk djuk gksxkA
WFEXOJNV[KL]NONVD GV HNHOV YN5HND FSNE= WND[K
36
LIR \NV[NVD GNV IOFXNXN
YN6MWKRXLIMRU=XJNVD[V@UFEXXIR
RNIONVDGNVL]NV5ONJXIQN
WNIGRVFNEF\LMIR
RNOGMXVRN\KY31K/)NNXKG\KION
GNIJ/ONFXVDWNVPXGVI\Y5DUPISUJ6@WJNDLMP8JVDI
N
FXNNWN[NYN6MOVRNGVI\U6NMIGNWN[N$J/)NNXK
G\KIONIWOGVON)NRVWT0WNUVJ6D@PXGVI\YINGHJ5RLZN=
XJNV'NVDIGJH\NV[NVDGVIQ\NVDYN6MWKRXNVDHVDPOGVMN7GNVFNXV
GNL]NOGMMJV J6D$O+NK/)NNXKG\KIONYNVD GKP8XIUYN6M
IR/UNMG/RN+NNIRGLIMNNHJNV[N$
37
NJM 2NLK G\KION
NJMHVDMJXVRN\VLV]IMU
NJMLIMRU=XGKHJ5RLZN=GTDWKJD6$LV]IMUNVD
NLV]IMUNE=GKOVRGNENVDGNYNXNWNXNGN4KXJKDJ6$JHVD
NJM
HVDMJXVRN\VYN6M
NJMGVL]IUOHIL=ULV]IMUNVDGKWMUJ6WNV
NJM
LIMRU=XGVI\LV]IMUNE=GNQ
N=X@NVWXNYN6MY[TRNE=L]QNXGMV[ D V$
NJM HVD LV]IMUNVD YN6M +NIR`'UNYNVD GN PQ
NJM 2NLK
G\KIONGNVP+NMUVJTYN6M
NJMHVDGF\FXUVJTQV>NXVGV
I\YNR
GJ6$
HOKJ GK H0\K GNV
NJM HVD MJXV RN\V O3SV LV]IMUNVD YN6M
+NIR`'UNYNVD GNV LJSNXXN YNM(+N GMXN J6 V SNJV OVRN
OD/)NNYNVDHVDGN=MUJNVDNFNWNMNVDHVD$JHVDG\KIONHVDOVRNMUYN6M
FNWNMNVDHDVGN=MULV]IMUNVDYN6M+NIR`'UNYNVDGNVLJSNXXNJ6$
F6D[\NVMW6OV F0V
NJMHDV GE= O3SV LV]IMUYN6M+NIR`'UN
JNVD[V$VY[TRVIW8JDVLMHV
RM>N0NGMV[N@
NJMGVIRI
N9IJ/OVHDV
LMHV
RMGVMN7GK/)NNLXNGMXVJVUT
NJM2NLKQ
N=XYN6MX'
NN
L]QNXGMVD[V$EX^NV NVDHVDIRI+N8XG\KIONYNVDGVIR
RNOK
NNIH\
JNVD[V$ X[M GV PO ^NV #IR+NN[#IJ/OV N OHNW HVD OTOHNSNM
`NMNYNHNGMXVJVUTVLV]IMUY[TRNE=L]QNXGMVD[V$JHVOVGE=
LV]IMUY[TRNVDGNVP+NMUVJTQV>NVD[VIWXGVODT'UL]NONVDOV
NJMHVD
FQ\NRYN[N$
YNHOH/NJJ6 IG
NJMGV LV]IMUY[TRV YXRMU
NJM
2NLKOTOHNSNMKGN=RNJKGKIW(HVQNMKP%NXVGVI\U6NMXJKD
J6D@WNVOHNWGVIRI
N9^NV HVD2N,UJNVWN[K$EOGVFWNJHDV
I[MWN"NMNVDHVDYN6MYLXKOD/)NNYNDVHVDGNHGMXN7NQNYNMNHQNG
38
LIR \NV[NVD GNV IOFXNXN
NJM2NLKL]NOHVDY[TRNE=GMXNYNONXXJKDJNV[N$STXN6IUNDYI
NGJD6$EOGVI\JHNMK/)NNXKG\KIONYNVDYN6MOVRGNENVDGV
Y\NRNJHVD YINGOHYN6ML]NOGKYNR
GUNL0V[K$LMDUT
JHVD46O\NGMXVGKWMUJ6IGGN6XOKFNUYINGHJ5RLZN=J6
YLXK/)NNXKG\KIONYNVDYN6MOVRGNENVDGNIXHN=NGMXNN
JHNMV ODLZN=
NJMHVD LMHV
RMGV MN7GNV YNUV JTQV>NXN@UNIG
\N>NNVD\NV[PNMLNOGVD
NJM2NLKG\KIONGNVLMHV
RMGVMN7GKHNXIOGUNGN
IRGNOGMXNSNIJYN6MO3SVLVI] MUYN6M+NIR`'UNYNVD GNVLJSNXXN@
P8JVD /RKGNM GMXN YN6M P8JVD EG9a%N GMXN YNMD+N GMVD IW8JDV
LMHV
RM
NJMHVD YLXV GN= GV I\>N0NGMUNJ6$LV]IMUYN6M
+NIR`'UNGKOVRGNE=GMXVRN\VY[TRNVDGNV
NJM2NLKG\KION
GNVU6NMGMXVJVUT YN6M
NJMLIMRU=XGKIRI+N8XONHTIJGGN=RNIJNVD
GNHN[=U6NMGMXVJVUTGON)NIH\GMGONHTIJGMNXKIU
U6NMGMXNJ6$
NJMGKG\KIONGNVYN[VYN5HNGKGUNHVD
FGMGN=H#GN8ÉV8OVO#O+NND \VXNJNV[N$YN5HNGKGUN
GN=H#GN8ÉV8OVO#O+NNYNVDGNYNNVWXGMXVLMIX+N=MXJKDJ6$
JkQYN6MHXGNLIMRU=XJ6$JPOGUNGV/)NNXHVDMJXN
J6 WNV
NJMLIMRU=XGKYNVMYNR
GGQHFNXV GV I\JHVD
U6NMGMV[N$
IQ
NJM2NLKG\KIONYN5HNGKGUNHVDWKRX2UKU
GMV[KYN6MGN= GMV[K@YN6MLIR \NV[NDV GKFVQNMK`NMNP5L8X
IR
RNIONVDGKOVXNGVON)NWT0WN[K@WNVOVRNGNGN=GMXVGV
I\U6NMGK[E=J6@UNVJHYLXV
NJMGNVL]+NTK
NTHOKJGV`NMN
ONH)NK=LOVL]+NNIRUQV>NDV[V$
39
NJM 2NLK G\KION
vifjiDo fo'oklh
¾ MN7 GK HNXIOGUN M>NXV GV FWN@ HVMK OVRGNE=Ê
RN\KHNXIOGUNM>NXVRN\VY[TRV$
¾ NNIH=GLMDLMNYNVDGVON)NS\XVRN\VYN6MEXLMDLMNYNVD
GV ON)N\NV[NDV LMNN6DOWHNXV GKGNVI
N
NGMXV RN\V
Y[TRV$
¾ HN8UN@HIJHNYN6M>NTQGKP8XIUGKSNJM>NXVRN\V
Y[TTRV$
¾ JHNMV L]+NT HOKJK
NT LMNX\[NXV GV FWNLV]IMU
Y[TRNVD LMNX\[NXVYN6MP8JDVFNRNQVXVJVUT\NV[NVD GNV
P5ONIJU GMXV RN\V$ J QNRN GMXV RN\V IG \NV[
GVR\GHN LV]IMUY[TRVLMYLXNNXGVI8Q]UGMVD@
EOL]GNMY8OVRGNVDOVYN
NKNLNXVGVHN[=HVDGNR9
FXXN$
¾
NJM 2NLK LIMRU=X GK IW(HVQNMK YN6M Y[TRVLX GN
>NUMNHNV\\VXVGVI\YIX31TGY[TRV$
¾ LMHV
RMGVMN7GKHNXIOGUNÊGVJNVXVGVXNHLM
Y8Y[TRNVDGVON)NIM
UNXM>NXVRN\V@LMDUTRN/URHVD
YLXV /RN)N=LZN= GN=HNVD GNV FNRNQVUV J6D$JL]N
IXI
SUJ6 IGGT1\NV[Y8Y[TRNVD GKONQ[KGN
[\U\N+NP%NUVJ6DYN6MYLXVJKIJUGNVFNRNQVUVJ6D$
LMDUT@ LIML'R Y[TRV EO FNU GNV LJSNX \VD[V YN6M
FTIHNXKYN6MIRRVGGVON)NEXL]NONVDGNVQZMGMVD[V@
40
LIR \NV[NVD GNV IOFXNXN
vifjiDo fo'oklh
¾ WNVIR
RNOKYLXVYNLHVDIXHFXN\VUVJ6DYN6M
NJM2NLK
G\KION HVD E=
RMK 2R/)NN GN P<\D"NX GMUV J6D$ JHVD
OJNV[GK+NNRXNYN6MMN7GKHNXIOGUNGNVL]NV5ONJXQVXN
J6@LMDUTEOGNHU\FJXJKDIGJHIR
RNIONVDGNVYNI5HG
Y[TRNVD YN6MG\KIONE=L]
NNOXGVL]IUFNEF\YNNNIMUIW(HVQNMK
GNP<\D"NXGMXVGKYXTHIUQDV$
¾ LMHV
RM`NMNIXT'UY[TRNVD GVL]IUIRQ]NJV KFXXVRN\VIR
RNOK@
W6OVIGJNXXVHZONGVIRMNVNHVDIRQ]NVJIGNNYF
NN\NVH
XVQNcQGVIRMNVNHVDIRQ]NVJIGN$JHDVVOVIR
RNOKSNIJWNV
JNV
NZGVOHNXHZONGVL]IUNQNcQGVOHNX
NNc\GV
L]IUR4NQNMKM>NUVJ6D$
¾ YLXV P5ONJGKRWJOV IFXNFTIHNXKYN6MLIML'RUNOV
GNHGMXVRN\VIR
RNOKGKYXTISUUMKGNVDOVY8\NV[O5
GNE8GNMGMQVUVJ6D$
fo'okfl;ksa dks ijes'oj ds opu esa vkSj vkRek ds dk;Z ds
izdk'ku esa n`<+ cqfu;kn dh vko';drk gksxhA
izkFkZuk
ifo= yksxksa ds mn; ds fy, izkFkZuk
IL]ILUN@JHK
NTGVXNHOVJHNMV
NJMGKHOKJKH0\KGVI\
L]N)N=XNGMUVJ6D$JHL]N)N=XNGMUVJ6DIGIR
RNOKP%>N0VJNDVWNVJM
+N\VGN=GVI\LZN=LOVU6NMIG[J6D$JHJHNMV
NJMGV
IR
RNIONVDGVI\L]N)N=XNGMUVJ6DIGRVOFFNUNDVHVDK
NTGVOHNX
FXXVJVUT>N0VJNVD$JHL]N)N=XNGMUVJ6DIGIR
RNOKJM/)NNXNVDHVD
LN%
NN\NYNVD@GN:\VWNDV@OMGNMKQ
UMNVD@O0GNVDLM@IX[HGNN=\NVD
YN6M>NV\GZQGVH6QNXNVDHVDIS8J@SH5GNMNVDYN6MYN
S=GHNV=DGNVL][9
GMVD UNIG\NV[WNX\VDIGK
NTO3SNJ6YN6MRVPOLMIR
RNO
GMXV \[VD[V$
'kgj O;kih dyhfl;k dh ,drk vkSj mn; ds fy,
izkFkZuk
ILUN@JHJHNMV
NJMHVD@
NJM2NLKG\KIONHVDYN5HNGKGUN
GV I\L]N)N=XNGMUV J6D$JHL]N)N=XNGMUV J6D IGJHNMV
NJMGV
HOKJKY[TRVYN5HNHVDHWFZUGUNGV/)NNXLMYND$JHL]N)N=XN
GMUV J6D IGJGUNJHNMV
NJMGV O+NKIR
RNIONVD HDV LJTDSXV
LN$JHL]N)N=XNGMUVJ6DIGJHNMV
NJMGKHOKJKH0\KHWFZU
JNV@LIR YN5HNGKONH)N=HVD>N0KJNVYN6MJHNMV
NJMHVDK
NTHOKJ
GVOTOHNSNMGVON)NL]RV
NGMV$
'kgj esa iszfjrksa vkSj Hkfo";}Drkvksa ds mn; ds fy,
izkFkZuk
L]+NT@JHL]N)N=XNGMUVJ6D IGJHNMV
NJMHVD O3SVLVI] MUYN6M+NIR`'UN
PQJNDV$JHL]N)N=XNGMUVJ6DIGYNLVOVLV]IMUYN6M+NIR`'UNYNVD
GNV>N0NGMVDIWXGVLNOEO
NJMHVDYNLGKG\KIONGVI\
42
LIR \NV[NVD GNV IOFXNXN
kQYN6M
NJMGVFQ\NRGKE31NJNV$JHL]N)N=XNGMUVJ6DIGRV
XH]UNYN6MON6(UNGKO3SKYN5HNGVON)NS\VD$JHL]N)N=XNGMUV
J6D IG RV G\KION YN6M I0XN:IHXV
N8O GK OKHNYNVD OV LMV G
PQaQV
GV ON)NIR
RNIONVD GV ONHTIJGL]NONVD GNV XVUC5RL]QNX
GMXVGKIW(HVQNMK/RKGNMGMDV EOGNPQaQV
JJ6IGYNLGN
MN7
NJMHVDYNYN6MYNLGKE31NLZMKJNV$
JHVOVGE=LV]IMUNVDYN6M+NIR`'UNYNVDGVI\L]N)N=XNGMUVJ6DWNV
JHNMV
NJM GK IRI+N8X [IUIRINNVD HVD OJ+NN[K JNVD UNIG ODLZN=
G\KIONHVDLIMRU=XYN$JHL]N)N=XNGMUVJ6DIGYNLP8JVDYNLGV
\NV[NVDGVI\ILUNGNO3SNkQL]QNXGMVD[V$
43
vkWy ihiYl ppZ ds izfrHkkxh
/)NNXKG\KIONGVLHVDODLZN=+NNMUQV
NHVD@IR
NVNGMP¿NM+NNMUHVD
OTOHNSNML]SNMGMXVGV`NMNYN:\LKL<OSS=YLXKOKHNYNVDGVLNMOVRN
GMUNJ6POGNHT>\^ÑYÐY[TRNVDGNVQCGMXN@ÑFÐWRNXNVDGNVOVRN
GVI\OTOI7WUGMXNYN6MÑGÐHOKJGKQVJGKP8XIUGMXNJ6$ODLZ N=
RN=+NMWRNXNVD@YN6MLNOFNXNVD U)NNOVRGNVD GV I\GE= L]I
N^NNGN=HNVD
YN6MLNOFNXNVD GKHJNO+NNYNVD GNYNNVWXIGNWNUNJ6$EOGV Y\NRN@
RSXHVD YN6MYN5HNHVD IR
RNIONVD GKP8XIUGMXVGVPQaQV
OVYD[V]WKU)NN
Y8GE=+NNMUK+NNNNYNVD HVD LT/UGNVD GKGE=JWNMNVD L]IUNDIRXNHZ<IRUMKU
GKWNUKJ6$D
IWXFNUNVD GKYNVMLMHV
RMJHNMKY[TRNE= GMMJNJ6 POGV I\GN4K
L6ONVD GKWMUJNVUKJ6$JHYNLGNVIXHDI UGMUVJ6D IGGOHGK
+NVD9NHNIOGHQQ+NVWGMYNI)N=GLOVJHNMVON)N+NN[KQNMFXVD$QV
N
+NMHVDJHNMVEOGN=HVDJHNMKOJNUNGMXVJVUTYNLGV`NMN+NVWK[E=GNVE=
+NKMGHOMNJXKJNV[K$
YNLYLXK+NV9D YN:\LKL<OSS=@F6[ D \NVMÊGVXNHOVSVG#F6GD 0N
9GV
WIMJHNMVYN:I4OGVLUVLM+NVWOGUVJ6$D Y8)NNYNLYLXNNV[QNX
OKNVJHNMVF6DG>NNUVGKWNXGNMK\VGMOKNVF6DGHDVWHNGMOGUVJ6D$
ÑfLNEOFNUGNVNXHVD M>NVD YN:\LKL<OSS=GVLNO4OKYNM
LMHK9XJKDJ6@YUJHGVR\+NNMUKXN[IMGNVD OVF6GD NV[QNXLNOGUV
J6$D IQYNLSNJUVJ6@D UNVQNX+NVWUVOH@YNL/L9LOVJI\>N
OGUVJ6D IGLKOKGKIGOOVRGNE=GVI\YNLYLXVQNX+NVWXNSNJUV
J6D$Ð
F6G
D >NNUVGNXNHYN:\LKL<OSS=
>NNUN HNDG
YN4OOKHNDG CITI
F6G
D Citibank N.A., 506-507, Level 5, Prestige Meridian 2, # 30, M.G. Road,
Bangalore - 560 001
POKUMJ@fLNWF+NKJNV OGV@JHVD YN6MJHNMKOVRGNE= GNV L]N)N=XNHVD
/HMNM>NVD$/kU;okn vkSj ijes'oj vkidks vk'kh"k nsA
44
LIR \NV[NVD GNV IOFXNXN
PL=T'UO+NKLT/UGNVDGVLK0K4OD/GMNIX
NT<G0NcX\NV0GVI\JHNMVSS=RVFONE=9
LMPL\&NJ6D$EXHVDOVGE=LT/UGVDY8+NNNNYNVDHVD+NKPL\&NJ6D$EXLT/UGNVDGKIX
NT<G
L]IUNDL]N,UGMXVJVUTfLNJHOVE= HV\N0NG`NMNODLG=GMVD$
MIRRNMGVODQV
NGVHLKYN:I0NVIMGNI0=D[@U)NNGN:8É8OYN6MJHNMV[N:09K2JKGN=H
AI\IRD[/9ND[
GVIRI0NVIMGNI0=D[GNVOTXXVNQV>NXVGVI\JHNMVRVFONE=9GNV+NVD9QVD$
45
ckbcy dkWyst
IR
ROXKRDNV;/ KYN6MLTNNVDGNVOTOI7WUGMXV@L]I
NI^NUGMXVYN6M+NNMU
U)NNY8QV
NNVDHVDOVRNJVUT+NVWXVGVPQaQV
OVYN:[/9HVDYN:\LKL<OSS=
FNEF\GN:\VWRDIHIX/9K9VIXD[OV89MÑAPC - BC& MTCÐGK/)NNLXNGK
[E=@UNIG[NDRNVD@X[MNDVYN6M
NJMNVDGNVK
NTHOKJGVI\L]+NNIRUIGNWNOGV$
APC - BC& MTC nks dk;ZØe iznku djrk gS %
➢ QNVON\GNckbcy dkWystGN=HLZN=GN\KXIR_NI)N=NVDGVI\J6YN6M
P5f9I
N^NNGVON)NYNI5HGYN6M2RJNIMGOVRNL]I
N^NNL]QNXGMUNJ6$
QNVRNK=GN=HLZMNGMXVGVFNQIR_NI)N=NVDGNVfMIyksek bu fFk;ksykWth
vW.M fØf'p;u fefuLVªh ÑDip. Th.& CMÐL]QNXGKWN[K$
➢ L]VI'9G\IHIX/9K9VIXD[FNEF\GN:\VWGVPXLQaRKNMNVDGVI\J6WNV
2RJNIMGL]I
N^NNLNXNSNJUV J6D$GNQNV ON\LZMNGMXV RN\NVD GNV
lfVZfQdsV bu izsfDVdy fefuLVªh L]QNXIGNWN[NWNVPXGVL]I
N^NN
GN\GNVQ
NN=UNJ6$
G^NNDYD[]VWKHVDJNVUKJD6$JHNMVLNOL]I
NI^NUU)NNYI+NN'UI
N^NGJ6D$
EOGVYIUIM'U@OXHVD@SN(LNII
SXJN:I/L9\GKOJ+NNI[UNOVJHXV
SN(LN@15UKO[HVDYLXVL])NHY<LGN\KXÑHJKXVÐGN=HGNODSN\X
IGN$JHXVEOGN:\VWOVIR_I)N=NVDGNVL]I
NI^NUIGN$
46
LIR \NV[NVD GNV IOFXNXN
48