֐֡ᮤօն֒֟֗ֆ֒օճ֔֌֠֌᭨֚ռռᭅձ֗ե֚֚֟֗֘֗֡֐֞ռ֚֞֒᭥֌շᭅ ֎եչ֔֫֒

ᮧև֐֚ե᭭շ֒օ֐֞ռᭅ

է֊֡֗֞ֈշ: փ֩ևᱮ֘֒ֈշ֞᭠ֆև֩֐֚
ᮧ֢֍֒֠ᳲփեչ֘֒ֈշ֞᭠ֆև֩֐֚
֐֡ո֌᳧֣ձ֗եᮕ֞ᳰ֍շ֟փֶ֞թ֊֟֎վ֫և֩֐֚


Contact Information:
All Peoples Church & World Outreach
#319, 2nd Floor, 7th Main,HRBR Layout
2nd Block, Kalyan Nagar, Bangalore
Karnataka, India

Phone: +91-80-25452617 / +91-80-65970617

Email: contact@apcwo.org
Website: www.apcwo.org


թ᭭ֆ֧֐֞֔ᳰշձչձ֎֞թ֎֔շ֧ ֚եֈ֏ᭅ֌֟֗ᮢ֎֞թ֎֧֚֔֟֔ձչձ֛ᱹֿ
֟֊֘֡᭨շ֟֗ֆ֒օ֛֧ֆ֡ 
թ֚֌֡᭭ֆշշ֞֟֗֊֞֐֢᭨֑֟֗ֆ֒օճ֔֌֠֌᭨֚ռռᭅշ֧ ֚ֈ֑᭭ᲂ֛֑֚֫֟չ֑ᲂ
ն֒֟֐ᮢᲂշ֧ ըᳶևᭅշէ֊֡ֈ֞֊ᲂշ֧ ᳇֚֒֞ե֏֗ᱟըֿ֛֑֨ᳰֈը֌֊֧թ֚֟֊զ֘֡᭨շ
֌֡᭭ֆշշ֧ ᳇֞֒֞ը֘֠֙֌֞ժ֛֨ֆ֛֫֐ը֌շ֫֟֊֐ե֟ᮢֆշ֒ֆ֧֛ᱹᳰշճ֔
֌֠֌᭨֚ռռᭅշᳱ֟֊զ֘֡᭨շᮧշ֞֘֊֚֞֐ᮕ֠շᳱս֌֞ժն֒֟֗ֆ֒օ֐ᱶ֛֑֚֞ֆ֞
շ֒֊֧֛֧ֆ֡ըᳶևᭅշᱨ֌֧֛֚֐ᱶ֑֫չֈ֞֊ֈᱶ։᭠֑֗֞ֈ
(Hindi Book— Shhh! No gossip!)

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4
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5
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6
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7
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8
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2I'UGVIRNHVDONMKI"NXN6XKFNUVDYN6MIXDQNJNVUKJ6@YN6MPOGN
YDU†EOFNUGNVL]N)N=XNHVDM>NVDÊW6OKFNUNVDOVJNVUNJ6$JHEO
L]N)N=XNIXRVQXGNPLNV[IWOVRN/URHVDIXDQNGJNWNOGUNJ6
POVI1LNXVGVHNVJMVGVLHDVGMUVJ6D$EOVFDQJNVXNSNIJ$JH
EOOVQZMMJXVGN46O\NGMVD$
LNOFNX`NMNLMNH
N=YN6MHV89IMD[LNOFNXYN6MYNI5HG
Y[TRNVDGVLHVD\NV[JHNMVLNOYNI5HGOJNUNLNXVYNUVJ6DVON
GMUVOH@Y'OMRVYLXV2I'U[UOD"NN=@YO4UNYNVDYN6MY8
FNUNVDGNVFND9UVJ6D@WNVRVQZOMNVDGVON)NY'OMXJKDGMOGUV$VON
RVIR
RNOYN6MLZN=+NMNVOVGVON)NGMUVJ6D$LMDUT@GE=LNOFNXYN6M
YNI5HGY[TRVYLXVJHV
NNGVRNUN=\NLHDVPO2I'UGVIRNHDV
9
 lkekU; ifjfLFkfr;ka tgka fuank gksrh gS
IXWKWNXGNMKGNVL][9GMGVPXGVIR
RNOGNVUNV0QVUVJ6D$J
IXDQNGVY\NRNYN6MGT1XJKDJ6@+N\VJKYNI5HGY[TRV`NMNGK[E=
J6EOVMNVGXVGKWMUJ6$WNV+NMNVOVGVON)NFUNN[NJ6@RJ
[NVLXKFXNMJV$
 GNV9 9V\ YONVI
N
NX ÑL]IUI%U \NV[NVD GNV OJNMN \VGM
YLXKL]IU%NFXNXVGKGNVI
N
NGMXVRN\VÐG+NKG+NK\NV[YLXV
OV YINGO4\\NV[NVD GNOJNMN\VUV J6D@PQNJMNGV UN6MLM@
IOIXMLNOFNXNY[TRNYN6MQZOMNVD GNV JFUNXV GKGNVI
N
N
GMUVJ6DIGRVVOV\NV[NDVOVIXG9ODFDNM>NUVJ6D$VOVIGOK2I'U
GVIRNHVDIWOGKPL\I&NNVDGNOJNMNRV\VXNSNJUVJ6D@PXGV
FNMVHDVGT1IXWKYN6M2I'U[UWNXGNMKQVGMRVVONGMUVJ6D$
Y)NN=U@Y8\NV[EOOVL]+NNIRUJNVUVJ6DYN6MONVSUVJ6DIGJ2I'U
WNVEOL]GNMGKYDQXKFNUDVWNXUNJ6@POOKIXMLNOFNXN
Y[TRVGVGMKFJNVXNSNIJ$IQYNLOKIXMLNOFNXNY[TRVGV
RN/URHVDO3SVIH J6YN6MPXOVIXG9OVWT0VJ6D@UNVYNLPXGN
OJNMN\VGMV OFXJKD GMXNSNJVD[V$YNL>NTQGV I\PXGV
O(HNXGNV PNNM\VXNXJKD SNJVD[V$YNLPXGV IXWKHNH\NDV GN
ONR=WIXGLOVP<\V>NGMXVOVLJ\VONRNNXMJVD[V$
OH/NDXOT\!NUVJTQNVN\[NXN\NV[[\IUNDGMUV
J6D$I4M+NK@OHNWHVD@OD"NN=EOI\P5L8XJNVUVJ6D'NVDIGGJKLM
IGOKXV[\UKGK@GT1[\UIGNNIGOKHNH\VGNVYXTISU
LOVIXL9NN$Y'OMJNVUNJJ6IGIWOL^NXVSNV9>NNE=J6@
RJPOFTMNE=GVIRNHDVWNV\NV[NDVGVON)NGK[E=J6@JNDRJND
FNV\UVI4MUNJ6@WNVYL]5^NLOV[\UKGMXVRN\V2I'UGK
FQXNHKGMXVRN\NYI+NNXONIFUJNVUNJ6$RJIXDQNFXWNUNJ6@
'NVDIGPOWNXGNMKGNVQZOMNVDUGLJTDSNUVOHPOHDVYN6M\NV[

NNIH\JNVWNUVJ6D$EOOVOHNWHVDIR+NNWXYN6MG\JFUNJ6@
YN6MPOOH/NGNVRN/URHDVODFNVINUXJKDIGNWNUNNPOGN

10
IXDQNXJKD
J\XJKD IGNWNUN$QZOMKYNVM@LIR
NN/ JHDV IO>NNUNJ6 IG
VOKLIMI/)NIUNVDHVD'NIGNWNXNSNIJ
H¿NK 
ß;fn rsjk HkkbZ rsjs fojks/k esa vijk/k djs] rks vdsys esa tkdj mlls
15

ckrphr djds mls le>kA ;fn og rsjh lqus] rks rw us vius HkkbZ dks
ik fy;kA 16ßvkSj ;fn og u lqus] rks ,d ;k nks O;fDr;ksa dks vius
lkFk ys tk] rkfd gj ,d ckr nks ;k rhu xokgksa ds eqag ls BgjkbZ
tk,A 17ßvkSj ;fn og mudh Hkh u ekus] rks dyhfl;k ls dg ns] ijUrq
;fn og dyhfl;k dh Hkh u ekus] rks rw mls vU;tkfr vkSj eglwy
ysusokys ds leku tkuA

OH/NGNVOT\!NXVGVFWNONR=WIXGUN6MLM@\NV[NDVGVQNVN
IQ>NNXV GV FWN@JHVD LIR 
NN/ GV YXTONMS\XNSNIJYN6M
^NHN@ OTNNM YN6M SD[NE= \NXV GN L]NO GMXN SNIJ$ /)NNXK
G\KIONE=OHTQNGVODQ+N=HVDGJKD[E=GE=FNUVDY8OHTQNNVDGNV
+NK\N[ZGKWNOGUKJ6D$
IXDQNGMXVRN\NOHTQNY8UU>NTQJKGNXN
NGMUNJ6$
[\NIUNDV
ijarq ;fn rqe ,d nwljs dks nkar ls dkVrs vkSj QkM+ [kkrs gks] rks
pkSdl jgks fd ,d nwljs dk lR;kuk’k u dj nksA

c- dke ds LFkku ij fuank

JHHVDOVGE=\NV[YLXVWKRXGNHT>+NN[GN=/)N\LMIFUNUV
J6D$JHO,UNJGVLNDSOV1IQXGNHLMJNVUVJ6D@YN6MJMO,UNJ
JHNMNGSN6)NNE= OHGN=/)N\LM2GMUV J6D$QT+NN=;R
N@
GNHGV/)NNXLMGE=\NV[IXDQN@ST[\K@FTMNE=@LK%HDV1TMN+NNVLXN
YNIQFNUNVDHDV\[VMJUVJ6D$VONRVYLXVFN:O@ONI)NNVD@NPX\NV[NDV
GVIRNHDVGMUVJ6DIWXGVON)NP8JDVGNHGMXNJ6$RVIXDQNHDV\[V
11
 lkekU; ifjfLFkfr;ka tgka fuank gksrh gS
MJUV J6D@YN6MYLXV ONI)NNVD GV ON)NVOKIGOKFNUGV IRNHDV
FNV\UVJ6DWNVIGOKYN6MGV`NMNGK[E=J6@YN6MEOL]GNMPOGK
L]IU%NYNIQGNVYNDSLJTDSNUVJ6D$
GN=/)N\LMIXDQNGVLIMNNH/RLGN=/)N\GNRNUNRMN
Y/R/)NJNVWNUNJ6$POOV\NV[NDVLM+NNRXN5HGYOM+NKJNVUNJ6
YN6M2I'U[UN9KHGKGN=^NHUNHVD FNNNL0UKJ6$Y8UU
GN=/)N\GNRNUNRMNEUXNIXDQXKJNVWNUNJ6IGY'OMY31V
\NV[PO/)NNXGNV1NV0GMGJKYN6MXN6GMK>NNVWXV\[UVJ6D$RV
EOI\ XJKD 1NV0UV IG RJND GN RVUX Y31N XJKD )NN N GNH
P5ONJRN=GXJKD)NN@LMDUTY'OMGN=/)N\GNRNUNRMNIXDQNGMXV
RN\V YN6MY4RNJ46\NXV RN\V GT1\NV[NDV GV GNMNIXMN
NNWXG
)NN$Y31V\NV[WNVYLXVGNHLMNXQVXNSNJUVJ6D@OSHTSYLXN
OHYN6MF\IXDQNOV\0XVHDVYN6MY4RNJGKYN[FT!NXVHDVXJKD
>NS=GMXNSNJUV$PXGVLNOGMXVGVI\FVJUMGNHJNVUVJ6D$
d- lkekftd fefM;k }kjk fuank
ONHNIWGIHI0NNODSNMHNHXV+NKIXDQN46\NXVHVD YN6MUVWKOV
GNHIGNJ6$GT1JKIHIX9NVD HD@V JNIXGNMGIXDQNYN6MY4RNJG
F9XGVQFNUVJKYN:X\NE=X46\WNUKJ6$YN:X\NE=XLNV/9IG[
GHN \V>NGVHNHOV2I'UGKL]IU%NQNDRLM\[WNUKJ6$

fpUru

L]
X'NYNLOHNW@GN=/)N\NONHNIWGODSNMHNHGK
IXDQNGNI
NGNMFXV J6D?EOOV YNLG6OV L]+NNIRUJT)NV?
YNLXV POGNHTGNF\NG6OV IGN?LK1V HT0GMQV>NXV LM
'NYNLFUNOGUVJ6DIGYNLPOLIMI/)NIUOVG6OVY\[
MKIUOVIXL9OGUV)NV?
12
IXDQNXJKD

3
fuank ds udkjkRed ifj.kke
IXDQNIJDONGVGT1Y8GNHNDVGVOHNXI"NXN6XNYLMNNXJKDIQ>NNE=
QVUN@I4M+NKJHHVDOVGE=\NV[PX[D+NKMXGNMN5HGLIMNNHGNV
XJKDLJSNXUVWNVJHLMIXDQNGV`NMNJNVUNJ6$JHXVLJ\VJKIXDQN
GVGT1XGNMN5HGLIMNNHNVDGNVIXRVQXIGNJ6@YN6MYFJHEO
YNHVDGT1YN6MLIMNNHNVDLMIRSNMGMVD[V$
1- fuank ls dksbZ ykHk ugha gksrk] vkSj le; cckZn gksrk gSA
G+NKG+NK\NV[IXDQNHDV2/UJNVGM"ND9NVDFFN=QGMQVUVJ6D$EOI\
EOV2)N=FGRNQGJN[NJ6$JLZN=LOV\N+NMIJUJ6$EOOV
XGVR\OHFFN=QJNVUNJ6@FI<GY'OMWNV\NV[IXDQNGMUVJ6D
RVGN4K+NNRXN5HGF\+NK>NS=GMUVJ6DYN6MPOGVYDUHDV)NGN
JTYNHJOZOGMUV J6D$
G+NKG+NK\NV[ISIG5ONGVUN6MLMIXDQNHVD \[VMJUVJ6@D RVYLXV
HXGVFNV!GNVJ\GNGMUVJ6D NYLXK+NNRXNYNVD GNVQZOMNVD GVONHXV
2'UGMUV J6@D IR
NVNUN6MLMHTI
G\OHNVD OV WNUV OH$JH
IXI
SULOVYLXKSTXN6IUNVD GNVFNV\XVYN6MQZOMNVD GVON)NFND9XVOV
OJHUJNVUV J6@D LMDU@T JHDV OJK\NV[NVD GVON)NFNUGMXNSNIJYN6M
QZOMV2I'UGNVJNIXXLJTS D NUVJT/R/)NUMKGVOVGMXNSNIJ@YN6M
POOH/NGNJ\IXGN\XVGVL]NOHVD VONGMXNSNIJ$
2- fuank Hkjksls dks u"V djrh gS] D;ksafd O;fDr dh
izfr"Bk fcxM+ tkrh gS vkSj pfj= dk dRy gks tkrk gSA
IWOGKIXDQNJNVUKJ6POV>NTQGVFNMVHDVOH!NXVGNYROMXJKD
IH\UN@POGNG5\JNVUNJ6YN6MPOGKL]IU%NX9JNVWNUKJ6$
G^NNHDV@WNV\NV[!Z%KWNXGNMKOTXUVJ6DPO2I'UGVSIM
GVIRNHVDGIXGN=UGLJTDSUVJ6D@RVPO2I'UGVIRNHVD
13
 fuank ds udkjkRed ifj.kke
[\UHXFXNOGUVJ6DYN6MPO2I'ULM+NMNVON>NNVQVUVJ6D$RJ
2I'UGN6XJ6EOIRNHVD[\UIS FXN\VUVJ6D'NVDIGIXDQNGV
`NMNRJ[\UWNXGNMKJNIO\GM\VUNJ6$
XKIURSX
13
tks yqrjkbZ djrk fQjrk og Hksn izxV djrk gS] ijUrq fo'okl;ksX;
euq"; ckr dks fNik j[krk gSA

IQYNLIR
RNONV;IH J6@D UNVYNLYLXVIH GVL^NHVD >N0V MJXV
GNL]NOGMV[ D V YN6MPOVYLHNIXUGMXVNPOVFFN=QGMXVGVI\
POGK YO4\UNYNVD GN NV\ XJKD LK9UV I4MV[D $V  G+NK G+NK F0N
YN
S=JNVUNJ6IGJHIGOKOVLJ\KFNMIH\UVJ6D YN6MVONIQ>NNE=
QVUNJ6IGRJYNLGVIRNHVD LJ\VJKOTXSTGNJ6YN6MQT+NN=;R
N
WNVGT1POXVOTXNJ6@RJOFXGNMN5HGJNVUNJ6$IXDQNYNLOVLJ\V
JKLJTSD [E=YN6MYNLGVRJNDWNXVOVLJ\VJKYNLGKFQXNHKGM
STGKYN6MYNLGNXNH>NMNFGMSTGK$YFYNLGVONHXVGF0N
GNHJ6@YNLGNV LJSNXXV YN6MYNLRN/URHVD GN6XJ6D EOGNUNWN
HZ<NDGXGMXVHVD PO2I'UGKOJNUNGMXN$G+NKG+NKEOVLZMN
GMXVGNIRSNMGMXN+NKY5DUIX5ONIJUGMXVRN\NJNVUNJ6$
3- fuank O;fDr dks HkkoukRed :i ls izHkkfor djrh gS
[\UWNXGNMKWNV IXDQNGV HNHOV YN[GKUMJ46\UKJ6@
+NNRXNYNVDLMYOMGMUKJ6IWOOV2I'UHVDISDUNYN6MIX5ONJ
P5L8XJNVUNJ6$
XKIURSX
tks fdlh ds fo#) >wBh lk{kh nsrk gS] og ekuks gFkkSM+k vkSj ryokj
18

vkSj iSuk rhj gSA

XKIURSX
nwljksa ds fo"k; eas >wBh ckrsa crkuk mUgsa ekuks dqYgkM+h ls ekjus]
18

ryokj ls ?kk;y djus] ;k iSus rhj ls cs/kus ds leku gksrk gSA

14
IXDQNXJKD
PQNJMNGVUN6MLM@GNHGV/)NNXHVD@WFO3SNE='NJ6YN6M
'NXJKDJ6EOIRNHVD/L9WNXGNMKGVIFXNWFY4RNJ46\XV
\[UKJ6@UFGH=SNMKIXMN
NJNVOGUVJ6D$EOOVGNHGNWGV/)NNX
LMY/R/)NRNUNRMNU6NMJNVWNUNJ6YN6MY31VGH=SNMKRJNDOV
1NV0GMWNXNSNJVD[V$
2I'U[ULOVNYN:X\NE=XIGOK2I'UGNV\I7WUGMXV
OV POGK2I'U[UL]IU%NUTMDUX9JNV WNUKJ6$\NV[YLXK
L]IU%NYN6M
N[RNDF6%UVJ6D@YN6MP8JVD+NNRXN5HGOQHVOVJNVGM
[TWMXNL0UNJ6IWOGKRWJIGOXVIXH=HUNGVON)NPXGKIXDQN
YN6MFQXNHKGK$
IXDQNGV+NNRXN5HGL]+NNRGK[D+NKMUNGNIRSNMGMVD@XRTRGNVD
LM+NKEOGNLIMNNHJNVUNJ6$RU=HNXOHNVDHVD@ONNHNIWGHKI0N
GVHNHOVIH NVDN/GZ\GVONI)NNVD`NMNXRTRGNVDGNVYN:X\NE=X
†0MNN NHGNNÊWNUNJ6@PXGKEOJQUGIXDQNYN6MFQXNHK
GKWNUKJ6IGGT1WRNXUNVYN5HJ5NUGGM\VUVJ6D$
EOKOV†ONFMFTI\D[ÊW6ON
N&QU6NMJNV[NJ6IWOGN
Y)N=J6OUNXV@NHGKQVXV@\I7WUGMXVNQZOMV2I'UGNV\^
FXNXVGVI\UD IR.NXGN[\UPLNV[@YN6MJG[D+NKMFNU
J6$ [XRTRGNVD GV HNUNILUNGV I\GPLNV[KONE=9 http://
cyberbullying.us/].

4- fuank fj'rksa dks u"V djrh gS

IXDQN@FQXNHKYN6MQZOMNVD GV IRNHVD !Z%KWNXGNMK46\NXV GN
LIMNNH/RLY'OMIM
UV9Z9WNUVJ6D$WF\NV[QZOMNVDGV`NMN
46\N[!Z%GNVOTXGMPOLMIR
RNOGMUVJ6D@UFP8JDVSNV9
LJTDSUKJ6$NVNGK+NNRXNYN6MFTMK+NNRXNP5L8XJNVUKJ6$YN6M
Y31VIM
UV9Z9WNUVJ6D$
VRSX'NFUNUVJ6DPOLMIRSNMGMDV$
15
 fuank ds udkjkRed ifj.kke
XKIURSX
Vs<+k euq"; cgqr >xM+s dks mBkrk gS] vkSj dkukQwlh djusokyk ije
28

fe=ksa esa Hkh QwV djk nsrk gSA

XKIURSX
23
tSls mÙkjh; ok;q o"kkZ dks ykrh gS] oSls gh pqxyh djus ls eq[k ij
Øks/k Nk tkrk gSA

XKIURSX
tSls ydM+h u gksus ls vkx cq>rh gS] mlh izdkj tgka dkukQwlh
2

djusokyk ugha ogka >xM+k feV tkrk gSA

IXDQNGV1NV9VFKWP¿NHIH NVDGNV+NKY\[GMQVUVJ6D'NVDIG
YIR
RNOYN6MG\JGVFKWFNVWNUVJ6D$IM
UVFFN=QJNVUVJ6D$IXDQN
[\U+NNRXNYNDVGNVYN6MQT+NN=RXNYNDVGNVED=NXQVUKJ6$\NV[NDVHDV4Z9
L0UKJ6D'NVDIGRVGGNL^N\VXV\[UVJ6D$VONGNHGV/)NNXLM
YN6MIGOK+NKOHTQNHDVJNVOGUNJ6$
NNDIUYN6MHV\IH\NLFXN
M>NXVGVI\JHVDEOFNUGNNXM>NXNJ6IGIXDQNMNVGKWN$

fpUru

L]
X IXDQNGVGT1YN6MXGNMN5HGLIMNNH'NJ6D?
L]
X 'NRN/UIRGWKRXGKGT1LIMI/)NIUNDJ6DIW8JDVYNLXV
QV>NNJ6IWOHVDIXDQNXV\NV[NVDGNV+NNRXN5HGLOVL]+NNIRU
IGNJ6?POGNLIMNNH'NJTYN?
L]
X YNLGV`NMNQV>NK[E=GT1RN/UIRGWKRXGKLIMI/)NIUND
J6D@WJNDLMIXDQNXVIM
UNVDGNVFFN=QGMIQN$POGN'N
LIMNNHJTYN?'N\NV[NDVGVFKSHV\JTYNYN6M'NRVIXDQN
GNYDUGMOGV?IQVONJ6@UNVP8JNDVXVJG6OVIGN?
16
IXDQNXJKD

4
fuank ds fojks/k esa ijes'oj
dh xaHkhj n`f"V
IXDQN@ST[\K@FQXNHK@FTMNE=@LK%LK1V1ZMN+NNVG
D XNEXFNUNVD GVIRN
HVDLIR 
NN/ HVDJHXVWNVLJ\VJKQV>NNJ6@POGVY\NRN@LMHV
RM
LIR 
NN/ HVDIXDQNGVIRNHVDGT1[D+NKMI!0IGNDQVUNJ6@PX
LMJHIRSNMGMVD[V$
LMHV
RMXVYLXV\NV[NVDGNVWNVQOYN.NDQKD@PXHVDOVGJ6
IX[=HX
16
rw fdlh ds fo:) >wBh lk{kh us nsukA

EOGNY)N=JJ6IGYNLYLXVL0NVOKGVIRNHVD!Z%XJKDFNV\VD[V@
PXGVIRNHVD[\U!Z%KFNUVDXJKD46\ND[VNPXGK[\UU/RKM
L]/UTUXJKDGMVD[V$
LMHV
RMIXDQNGMXVGVIRMNVNHVDYLXV\NV[NVDGNVI!0GKQVUNJ6
YN6M SVUNRXK QVUN J6 IG RJ OTNNM \NXV YN6M ONMK FNUNVD GNV
OT2RI/)NUGMXVGVI\J/U^NVLGMV[N$
+NWX 
rw us viuk eqag cqjkbZ djus ds fy;s [kksyk] vkSj rsjh thHk Ny dh
19

ckrsa x<+rh gSaA 20rw cSBk gqvk vius HkkbZ ds fo#) cksyrk( vkSj vius
lxs HkkbZ dh pqxyh [kkrk gSA 21;g dke rw us fd;k] vkSj eaS pqi jgk(
blfy;s rw us le> fy;k fd ijes'oj fcydqy esjs leku gSA ijUrq
eSa rq>s le>kÅaxk] vkSj rsjh vka[kkas ds lkeus lc dqN vyx vyx
fn[kkÅaxkA

17
 IXDQNGV IRMNVNHVD LMHV
RMGK[D+NKMQCI9
!Z%K[RNJKQVXN@QZOMNVD GVFNMVHVD !Z%FNV\XNYN6M+NNENVD GVFKS
HU+NVQFNVXNPXFNUNVD HVD OVJ6@D IW8JVD LMHV
RMIUM/fUHNXUNJ6$
XKIURSX 
N% oLrqvksa ls ;gksok cSj j[krk gS] oju lkr gSa ftuls mldks ?k`.kk gS%
16

17
vFkkZr~ ?ke.M ls p<+h gqbZ vka[ksa] >wB cksyusokyh thHk] vkSj funksZ"k
dk yksgw cgkusokys gkFk] 18vuFkZ dYiuk x<+usokyk eu] cqjkbZ djus
dks osx nkSM+usokys ikao] 19>wB cksyusokyk lk{kh vkSj Hkkb;ksa ds chp
esa >xM+k mRié djusokyk euq";A

W6ONIGJHXVLJ\VQV>NNJ6@JH\NV[NDVHDVIXDQNYN6MFQXNHK
GV`NMNHU+NVQN4Z9GVFKWFNVUVJ6D$LMHV
RMEOFNUOV"NCNN
GMUNJ6$
IXDQNGMXVRN\NHZ>N=JNVUNJ6$UFUNVIXDQNRN/URHDV HZ>N=UNGN
GNHJ6IWOHVDJHVD
NNIH\XJKDJNVXNSNIJ$
XKIURSX
18
tks cSj dks fNik j[krk gS] og >wB cksyrk gS] vkSj tks viokn
QSykrk gS] og ew[kZ gSA

MNVIHNVD HVD@IXDQNYN6MST[\KGNVJ5NYN6MYX6IUGUNGK
OZSKHDV
NNIH\IGN[NJ6$
MNVIHNVD  
28
vkSj tc mUgksaus ijes'oj dks igpkuuk u pkgk] blfy, ijes’oj us
Hkh mUgsa muds fudEes eu ij NksM+ fn;k] fd os vuqfpr dke djsaA
29
blfy, os lc izdkj ds v/keZ] vkSj nq"Vrk] vkSj yksHk] vkSj cSjHkko
ls Hkj x,( vkSj Mkg] vkSj gR;k] vkSj >xM+s] vkSj Ny] vkSj bZ";kZ ls
Hkjiwj gks x,] vkSj pqxy[kksj] 30cnuke djusokys] ijes'oj ds ns[kus
esa ?k`f.kr] vkSjksa dk vuknj djusokys] vfHkekuh] Mhaxekj] cqjh cqjh
ckrksa ds cukus okys] ekrk firk dh vkKk u ekuusokys] 31fucqZ/n]
18
IXDQNXJKD
fo’okl?kkrh] e;kjfgr vkSj funZ; gks x,A 32os rks ijes'oj dh ;g
fof/k tkurs gSa fd ,sls ,sls dke djusokys e`R;q ds n.M ds ;ksX; gSa]
rkSHkh u dsoy vki gh ,sls dke djrs gSa] oju~ djusokyksa ls izlé Hkh
gksrs gSaA

†VOVVOVGNHGMXVRN\VHC5TGVQ0GVNV;J6ÊEOSVUNRXK
HVDFQXNHGMXVRN\VYN6MFTMKFTMKFNUNVDGVFXNXVRN\VÑIXDQNGMXVÐ

NNIH\J6$EOL]GNMLMHV
RMIXDQNGN[D+NKMIRMNVNGMUNJ6$ON4

N&QNVDHDV@IXDQNGMXNLNLJ6YN6MJLMHV
RMGVONHXVYLMNNJ6$
ONMND
NHVD@IXDQN@ST[\KGMXN@FQXNHKGMXN@LK%HVD 1ZMN
+NNVDLXN@FNUVDFXNXN@YNIQFNUNVDHDVJHDV+NN[XJKD\VXNSNIJ$

fpUru

L]
XIQFNEF\IXDQN@ST[\K@FQXNHK@LK%LK1V1ZMN+NNVDLXN@YN6M
Y4RNJ46\NXNYNIQFNUNVD GV IRNHDV EUXN/L9LOV
GJUKJ6@UNVI4M+NKIR
RNOKEOHVDOJ+NN[K'NVDJNVUVJ6D?

19
 fuank ls dSls fuiVsa

5
fuank ls dSls fuiVsa
WFJHVOKLIMI/)NIUHVDL0WNUVJ6D@WJNDJHNMVYNOLNOGV\NV[
IXDQNGMXV\[UVJ6D@FQXNHKGMXV\[UVJ6D@ST[\KGMUVJ6D@YN6M
Y4RNJ46\NUVJ6D@UFJHDV'NGMXNSNIJ?IQJHVOKFNUNDV
GN I
NGNM FXUV J6D@ UF JHVD 'N GMXN SNIJ? JHDV FQXNHK@
+NNRXN5HGSNV9YN6MJHNMVFNMVHDV46\NE=[E=!Z%KWNXGNMKGVY8
LIMNNHNVDGVL]IUG6OVL]IUIN2'UGMXNSNIJ@YN6MPXOVG6OV
IXL9XNSNIJ?
v- fuank ds Åij mBuk
YNMD+NHV@D JHHDV OV L]5VGGNV 2I'U[UMKIUOV GL'GN46O\N
GMXNJ6YN6MJHNMVYXT
NNOXGV+NN[GVLHVD JHVD JIXN=\VXN
J6IGJHIGOK+NKMKIUOVIGOKGKIXDQNHVD +NN[XJKD\V[ D $V JHEO
L]GNMGVRNUN=\NLYN6MGN=GVIXS\V/UMLMXJKDPUMV[ D $V WFJH
>NTQGNVVOV /)NNXNVD HVD YN6MLIMI/)NIUNVD HDV LNUVJ6D WJNDLM\NV[IXDQN
GMUVJ6@D UNVJHPXHDV +NN[XJKD\V[ D V YN6MIXDQNHDV
NNIH\XJKDJNV[ D $V
+NWX
13
viuh thHk dks cqjkbZ ls jksd j[k] vkSj vius eqag dh pkSdlh dj fd
ml ls Ny dh ckr u fudysA

+NWX
1
eSaus dgk] eSa viuh pkypyu esa pkSdlh d#axk] rkfd esjh thHk ls
iki u gks( tc rd nq"V esjs lkeus gS] rc rd eSa yxke yxk, viuk
eqag cUn fd, jgawxkA

gs ;gksok] esjs eqag esa ,slh dksbZ ckr ugha ftls rw iwjh jhfr ls u
4

tkurk gksA
20
IXDQNXJKD
JH>NTQGNV MNVGDV[V YN6MLMHV
RMGV IRMNVNHDV LNLGMXV OV
E8GNMGMDV[V$JHWNXUV J6D IGJHLMHV
RMOV IXDQNI1LNXJKD
OGUV@+N\VJKJHVDNKHDV
N&QNVDHDVPOVFNV\XNJNV$
WNV FNUYNLIGOKGV ONHXV XJKD FNV\XNSNJUV@POV PO
2I'UGVLK%LK1VXFNV\VD$
YNLPXGKYXTLI/)NIUHVDRJFNUG6OVGJVD[V@%KGPOKUMJ
YNLPOVPXGKPLI/)NIUHVDGJVD$
YLXVkQGNVIGOKGVL]IU/R31YN6MQT+NN=RXNRDXNMNW[K
OVHT'UFXNM>NVD$JHV
NNLV]HGVON)NS\XVGNPQaQV
M>NVD$EO
UMJYNLP8JVDXKSNIQ>NNXV@SNV9LJTDSNXVYN6MFFN=QGMXVGVI\
\NV[NVDGVIRNHDVFTMNXJKDFNV\VD[V$
H¿NK
D;ksafd cqjs fopkj] gR;k] ijL=hxeu] O;fHkpkj] pksjh] >wBh xokgh
19

vkSj fuUnk eu gh ls fudyrh gSaA

MNVIHNVD 
9
D;ksafd ;g fd O;fHkpkj u djuk] gR;k u djuk] pksjh u djuk] ykyp
u djuk] vkSj budks NksM+ vkSj dksbZ Hkh vkKk gks rks lc dk lkjka'k
bl ckr esa ik;k tkrk gS fd vius iM+kslh ls vius leku isze j[kA

FQ\N\VXVOVE8GNMGMDV$YNLIXDQN46\NXVOVIXDQNLMW
XJKDLNOGUV$

c- ;fn laHko gks rks isze ds lkFk eqdkcyk djsa

WJNDOD+NRJNV@IWO2I'UXVY4RNJYN6M!Z%KWNXGNMK46\NE=@PO
2I'UGVON)NNPX\NV[NDV GVON)NWNVIXDQNHVD
NNIH\)NV@POHNH\V
GNV/L9LOVODFNVINUGMD$DV P8JDV EOOVcLMP%XVJVUT L]N5V ONJX
QVD YN6MIXDQNXGMUVJTPOHVD
NNIH\2I'UGVON)NOKNVRN/UIRG
IRNGVODFD NHVD FNUGMV$D
21
 fuank ls dSls fuiVsa

d- mls feV tkus nsa

IXDQNGNVE=DNXXQVD$IXDQNGNVIH9WNXVQVD$VOKLIMI/)NIUNVDHDVGH
OVGHFNV\XNFVJUMJ6$WF7NQNOV7NQN\NV[POHDV+NN[\VXV
OVE8GNMGMVD[V@UNVYDUHDVRJGJNXKOHN,UJNVWN[K$
OD+NR JNVXV LM@ ODFDINU 2I'U N LIMI/)NIU GV IRN HDV
OGNMN5HGFNUVD FNV\GMIXDQNGNIRMNVNGMXV GN46O\NGMVD$
R/UTYNVDGVFVJUML^NGNVQV>NXVHDV\NV[NVDGKOJNUNGMVD$IXDQNYN6M
Y4RNJVDYN=O5@YNZMKWNXGNMKN!Z%KWNXGNMKLMYNNNIMU
JNVUV J6D EOI\FVJUMFNUDV GJGM@JHPXYNZMKO3SNENVD GN
IRMNVNGMUVJ6D$
M- izkFkZuk djsa] {kek djas vkSj NksM+ n
IQYNLIXDQNNFQXNHKGNI
NGNMFXVDJ6D@UNVL]N)N=XNGMVD$L]+NT
YNLGVFSNRHDVYN[VYN[N
+NWX 
eSa us cgqrksa ds eqag ls viuk viokn lquk] pkjksa vksj Hk; gh Hk; gS!
13

tc mUgksaus esjs fo#) vkil esa lEefr dh rc esjs izk.k ysus dh ;qfDr
dhA 14ijUrq gs ;gksok eSa us rks rq>h ij Hkjkslk j[kk gS] eSa us dgk]
rw esjk ijes'oj gSA 15esjs fnu rsjs gkFk esa gS( rw eq>s esjs 'k=qvksa vkSj
esjs lrkusokyksa ds gkFk ls NqM+kA 16vius nkl ij vius eqag dk izdk'k
pedk( viuh d#.kk ls esjk m)kj djA

WF\NV[YNLGKIXDQNGMUVJ6DYN6MYNLGVIRNHDV!Z%KY4RNJDV
46\NUVJ6D@UNVPOOVSNV9LJTDSUKJ6$JLK0NQNGJNVUNJ6$YLXV
QQ=YN6MSNV9GK+NNRXNYNVD GNVL]N)N=XNHVD LMHV
RMGVONHXVM>NV$D PO
IRNHDVLMHV
RMOVFNUDVGMV$D YLXVkQYN6M+NNRXNYNVD GNVLMHV
RM
GVONHXVP0V\VD$

22
IXDQNXJKD
WNV\NV[VONGMMJVJ6DP8JVD^NHNGMVD$WNVGT1+NKRVGMMJVJ6D
POGVFNRWZQPXOVLV]HGMXVGNIXN=\VD$WNVGT1+NKRVGMMJV
J6DPOGVLK1VIR
RNO"NNU@FQ\NYN6MY8[\UEMNQVJNVOGUVJ6D$
LMDUTI4M+NKYNLLMHV
RMGVLV]HOVP8JDVLV]HGMXVGNSTXNRGMDV$
YNLI4M+NKP8JDV^NHNGMXVYN6M1NV0QVXVGNIXN=\VD@YN6MYLXV
FSNRYN6MFQ\V GV I\LMHV
RMGKYNVMQV>NVD$ †LM8UT H6D UTH
OTXXVRN\NVDOVGJUNJZD@IGYLXV
N TYNVDOVL]VHM>NNVWNVUTHOVF6M
GMV@D PXGN+N\NGMNV$WNVUT(JVD -NLQV@D PXGNVYN
NKNQNVWNVUT(JNMN
YLHNXGMVD@PXGVI\L]N)N=XNGMNV$ÊÑ\ZGN@Ð
ge vius lekt dks fuankeqDr {ks= cuk,a
JHVOV\NV[NVDGNOHNWFXVDWNVIXDQN@ST[\K@FQXNHK@[L@FTMNE=@
LK%LK1V1ZMN+NNVDLXNYNIQFNUNVDGNVIF<GT\OJXJKDOGUV$IXDQN@
ST[\K@FQXNHK@[L@FTMNE=@LK%LK1V1ZMN+NNVDLXN YNIQFNUVDJHNMV
FKSHDVXJKDMJV[KIXDQNRJWD[\K"NNOJ6WNVLMHV
RMGVOT8QM
F[KSVGNV@G\KIONGNVLMV
NNXGMUKYN6MQFNUKJ6$JHGVOK
OD/fIUGNIXHN=NGMDVYN6MYLXVYNLHDVYXT
NNOXGNVFNRNQVDWNV
EOF[KSVGNVWD[\K"NNOOVHT'UM>NV[N$

fpUru

L]
X'NYNLRU=HNXOHHDV VOKIGOKIRI
N9LIMI/)NIUN
LIMI/)NIUNVDGNONHXNGMMJVJ6DWJNDYNLGNVIXDQN@FQXNHK
YN6MST[\KLMWLNXVGKWMUJ6?YNLYLXKLIMI/)NIU
NLIMI/)NIUNVDLMWLNXVGVI\'NGMOGUVJ6D?

23
 izkFkZuk

6
izkFkZuk
1- vaxhdkj vkSj i'pkrki dh izkFkZuk
IL]/R[K=ILUN@H6D GFZ\GMUNJZD IGH6D HVMV
N&QNVD GVIRNHVD ONR
NNXXJKDMJN$H6DXVWNXFZ!GMYN6MYXWNXVHVDIXDQNGKJ6@FQXNHK
GKJ6YN6MQZOMNVDGKFTMNE=GKJ6$H6DY4RNJNVDGNV46\NGM\NV[NVDGK
L]IU%NGNVXTGONXLJTDSNXVGNQNVNKJZD$H6DHVMV[\UGNHNVDGVI\
L
SNUNLGMUNJZDYN6MYNLOVIFXUKGMUNJZDIGfLNHT!V^NHN
GMVDYN6MYLXVLIR \NVJZOVHT!VHVMVLNLNVDOV
NTGMVD$H6DIXDQNGK
WKRX
N6\K5N[UNJZD$POKUMJ@HVMKWK+NLMLJMN\[NEVUNIG
H6DYN[VQZOMNVDGKIXDQN@FQXNHKNFTMNE=XGMOGZD$VONGMXVGV
I\H6DYNLGNN8RNQGMUNJZD$K
NTGVXNHHVD@YNHVX$
2- mu yksxksa ds fy, izkFkZuk ftUgksaus vrhr esa fuank ls
pksV [kkbZ gS
IL]ILUN@H6DYLXNkQYNLGVONHXVP0V\UNJZD'NVDIGHVMV
I\YNLGVL]VHYN6MIX[MNXKGNVH6DWNXUNJZD$YNLHVMVkQGK
YDUU=HIRSNMNVDYN6M+NNRXNYNVDGNVWNXUNJZD$YNLWNXUVJ6DIGÑ\NV[NVD
GNXNHYN6MLIMI/)NIUÐ`NMNGK[E=HT!VIXDQN@FQXNHKYN6MHVMVFNMV
HVD46\KJTE=Y4RNJNVDGKRWJOVH6DQT>NKJNV[NJZD$H6DYLXV"NNR
YN6M+NNRXNYNVDGNVYNLGVLNO\VYNUNJZDYN6MYNLOVIFXUKGMUN
JZDIGHVMVQT>NNVDGNVSD[NGKIW$LIR YN5HNGKONH)N=YN6MF\
OVWNVRJL]VHGMXVJVUTHT!VQVUNJ6@H6DPX\NV[NVDGNV^NHNGMUNJZD
IW8JNVDXVHT!VSNV9LJTDSNE=J6$H6DLMHV
RMGVL]VHGNVPXGVI\HT'U
GMUNJZDWNVHVMVkQHVDP0V\N[NJ6$H6DYNLOVIFXUKGMUNJZD
IGHVMVL^NHVDQ6RKLOVJ/U^NVLGMVDYN6MEXY4RNJNVD@IXDQNYN6M
!Z%KFNUNVDGNVMNVGQVDYN6MHT!VYLXVYXT[]JOV"NVM\KIW$HT!V

24
IXDQNXJKD
WKRXHVDYNQML]QNXGKIWYN6MYNLGNJN)NHT!VP%NXVLN$L]+NT@
H6DYNLGKYNVMQV>NUNJZDYN6MHVMKYND>NVDGVR\YNLJKLM\[KJ6D$
HVMVWKRXHVDYNLGVGNHGVI\N8RNQILUN$K
NTGVXNHHVD@
YNHVX$
3- mu yksxksa ds fy, izkFkZuk tks ,slh ifjfLFkfr;ksa esa
Qals gSa] tgka fuank gks jgh gS
IL]ILUN@H6DYLXNkQYNLGVONHXVP0V\UNJZD'NVDIGHVMVI\
YNLGVL]VHYN6MIX[MNXKGNVH6DWNXUNJZD$YNLHVMVkQGKYDUU=H
IRSNMNVDYN6M+NNRXNYNVDGNVWNXUNJZD$YNLWNXUVJ6DIGÑ\NV[NVDGN
XNHYN6MLIMI/)NIUÐ`NMNGK[E=HT!VIXDQN@FQXNHKYN6MHVMVFNMVHVD
46\KJTE=Y4RNJNVDGKRWJOVH6DQT>NKJNV[NJZD$H6DYLXV"NNRYN6M
+NNRXNYNVDGNVYNLGVLNO\VYNUNJZDYN6MYNLOVIFXUKGMUNJZDIG
HVMVQT>NNVDGNVSD[NGKIW$LIR YN5HNGKONH)N=YN6MF\OVWNV
RJL]VHGMXVJVUTHT!VQVUNJ6@H6DPX\NV[NVDGNV^NHNGMUNJZDIW8JNVDXV
HT!VSNV9LJTDSNE=J6$H6DLMHV
RMGVL]VHGNVPXGVI\HT'UGMUN
JZDWNVHVMVkQHVDP0V\N[NJ6$H6DYNLOVIFXUKGMUNJZDIGHVMV
L^NHVDQ6RKLOVJ/U^NVLGMVDYN6MEXY4RNJNVD@IXDQNYN6M!Z%K
FNUNVDGNVMNVGQVDYN6MHT!VYLXVYXT[]JOV"NVM\KIW$HT!VWKRX
HVD YNQML]QNXGKIWYN6MYNLGNJN)NHT!V P%NXV LN$L]+NT@H6D
YNLGKYNVMQV>NUNJZDYN6MHVMKYND>NVDGVR\YNLJKLM\[KJ6D$HVMV
WKRXHVDYNLGVGNHGVI\N8RNQILUN$K
NTGVXNHHVD@YNHVX$

25
 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 0‘N…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  
YN4OOKHNDG 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
26
IXDQNXJKD

vkWy ihiYl ppZ ds izdk'ku

FQ\NR LIM
NGMXVRN\VGKYN[
YLXKFT\NJ9OVOH!N6UNXGMVD 2I'U[UYN6MLKINVDGVF8XNVD
YN
NNX1NV0VD GNVUNV0XN
LMHV
RMGVPtV
NVDGNVW8HQVXN YNLGVWKRXGVI\LMHV
RMGV
PQaQV
GNVLJSNXXN
LMHV
RMG+N\NLMHV
RMJ6
MN7GNIXHN=NGMXVRN\V
LMHV
RMGNRSX
>NT\NJTYN/R[=
O3SNE=
JHHOKJHDVGN6XJ6D
JHNMN1T9GNMN
E=
RMKfLN
OHL=NGKONH)N=
LMHV
RMGNMN7
JHI+N8XJ6D

NJM2NLKG\KIONHVDE=
RMK
GN=/)N\LMHIJ\ND 2R/)NN
WN[CIUHVDG\KION HXGKWKU
L]5VGGNHGNGOH W0LMGT<JN0KM>NXN
YNI5HGHXOVLIMLZN=YN6MLC)RK LMHV
RMGKPLI/)NIU
LMFTIHNX GNHGVL]IUFNEF\GNMR6N
LIR N\NV[NVDGNVIOFXNXN .NX@L]GN
NYN6MONH)N=GN
YLXVLN/9MGKG6OVOJNUNGMVVD YN5HN
G\JMIJUWKRXWKXN Y8Y8+NNNNYNVDHVDFNV\XVGV
GRN/UIRG/)NNXWNV/R[= YQ+NTU\N+N
GJ\NUNJ6 L]NSKXIS8J

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[/9‘ND[ GVIRI0NVIMGNI0=D[GNVOTXXVNQV>NXVGVI\JHNMVRVFONE=9GNV+NVD9QVD$

27
 Hkkjr esa vkWy ihiYl ppZ dh 'kk[kk,a
vkWy ihiYl ppZ ds fo"k; esa
YN:\LKL<OSS=ÑLKOKÐGNQ
N=XF6[ D \NVM
NJMHVD XHGYN6M7NVIU@YN6M
+NNMUQV
NYN6MODONMGVMN9‘NDV GVI\GYNRNWFXXNJ6$
LKOKHVD JHLIR YN5HNGVYI+NNVGRDONH)=GVON)NODLZ N=RDIGOK
L]GNMGNOH!N6UNXGMUVJTRSXGKI
N^NNQVXV GVL]IUOHIL=UJ6$D JH
IR
RNOGMUVJ6D IGP5UHOD[KU@OCWXN5HGL]/UTIU@YNNTIXGUD IR.NX
YNIQYNIQIS8J@YQa+NTUGN=@YN
S=GH=YN6MLIR YN5HNGVRMQNXNVD GV
ON)NLIR YN5HNGKONH)N=HVD RSXGNL]SNMGMXVGKLMHV
RM`NMN
IXNN=IMULIUNVD GN/)NNXG+NKXJKD\VOGUVÑGTIM@EF]N@Ð$
JHNMNIRNK
NTJ6@JHNMKIRNR/UTRSXJ6@JHNMNUMKGNLIR YN5HN
GKONH)N=J6@JHNMNWTXXZ \NV[J6@D YN6MJHNMN\^HOKJOHNXLIRL'RUN
J6$
RU=HNXHDVYN:\LKL<OSS=XKSVIQVLUNVDLMI/)NUJ6D$
YN:\LKL<OSS= FD[\N6MÑGXN=9GÐ
YN:\LKL<OSS= HD[\N6MÑGXN=9GÐ
YN:\LKL<OSS= G<NNHT(FE=ÑHJNMN9‘Ð
YN:\LKL<OSS= F](JLTMÑP0KONÐ
YN:\LKL<OSS= XN[LTMÑHJNMN9‘Ð
YN:\LKL<OSS= MNSZMÑGXN=9GÐ
YN:\LKL<OSS= LTNVÑHJNMN9‘Ð
YN:\LKL<OSS= IQHNLTMÑXN[N\6D0Ð
YN:\LKL<OSS= GNVIJHNÑXN[N\6D0Ð
OH OHLMXKG\KIONYNVDGK/)NNLXNJNVMJKJ6$RU=HNXOZSK
YN:\LKL<OSS=GVON)NO(LG=GMXVNYIGWNXGNMKGVI\fLNYNL
JHNMKRVFONE9www.apcwo.org HDVWNVD@Y)NRN contact@apcwo.org
LME= HV\+NVWVD$
28
IXDQNXJKD

ckbcy dkWyst
IR
ROXKRDNV;/ KYN6MLTNNVDGNVOTOI7WUGMXV@L]I
NI^NUGMXVYN6M+NNMU
U)NNY8QV
NNVDHVDOVRNJVUT+NVWXVGVPQaQV
OVYN:[/9HVDYN:\LKL<OSS=
FNEF\GN:\VWRDIHIX/9‘K9‘VIXD[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/9‘K9‘VIXD[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(LNII
SXJN:I/L9\GKOJ+NNI[UNOVJHXV
SN(LN@15UKO[HVDYLXVL])NHY<LGN\KXÑHJKXVÐGN=HGNODSN\X
IGN$JHXVEOGN:\VWOVIR_I)N=NVDGNVL]I
NI^NUIGN$

29
 D;k vki ml ijes'oj dks tkurs gaS
tks vkidks I;kj djrk gS\
yxHkx 2000 o"kZ igys ijes'oj bl lalkj esa ,d euq"; cudj vk,A mudk uke
;h'kq gSA mUgksaus iw.kZ ikijfgr thou th;kA pw¡fd ;h'kq ekuo :i esa ijes'oj Fks] mUgksaus
tks dqN dgk vkSj fd;k mlds }kjk gekjs le{k ijes'oj dks izdV fd;kA mUgksaus tks
opu dgs os ijes'oj ds gh opu FksA tks dk;Z mUgksaus fd;s os ijes'oj ds dk;Z FksA
;h'kq us cgqr ls peRdkj bl i`Foh ij fd;sA mUgksaus chekjksa vkSj ihfM+rksa dks paxk fd;kA
vaèkksa dks vka[ksa nha] cfgjksa ds dku [kksys] yaxM+ksa dks pyk;k vkSj gj izdkj dh chekjh
vkSj jksx dks paxk fd;kA mUgksaus peRdkj djds dqN jksfV;ksa ls cgqrksa dks [kkuk f[kyk;k
FkkA rwiQku dks 'kkUr fd;k vkSj vU; cgqr ls vn~Hkqr dke fd,A
;s lHkh dk;Z gekjs le{k ;g izdV djrs gSa fd ijes'oj ,d Hkyk ijes'oj
gS tks ;g pkgrk fd euq"; Bhd] LoLFk vkSj izlUu jgsaA ijes'oj euq";ksa dh
lHkh vko';drkvksa dh iwfrZ djuk pkgrk gSA
ijes'oj us ekuo cudj bl i`Foh ij vkus dk fu'p; D;ksa fd;k\ ;h'kq bl lalkj
esa D;ksa vk,\
ge lcus iki fd;k gS vkSj ,sls dke fd, gSa tks ijes'oj ds le{k xzg.k ;ksX; ugha
gaS ftlus gesa cuk;k gSA iki ds ifj.kke gksrs gSaA iki ,d cM+h nhokj dh rjg ijes'oj
vkSj gekjs chp esa [kM+h gSA iki gesa ijes'oj ls vyx djrk gSA og geas mls tkuus
vkSj mlls vFkZiw.kZ lEcUèk LFkkfir djus ls jksdrk gS ftlus gesa cuk;k gSA vr% geesa
ls cgqr ls yksx bl [kkyhiu dks vU; oLrqvkas ls Hkjuk pkgrs gSaA
gekjs ikiksa dk ,d vkSj ifj.kke ;g gS fd ge ijes'oj ls lnk ds fy, nwj jgrs
gSaA ijes'oj ds U;k;ky; esa iki dk n.M e`R;q gSA e`R;q ijes'oj ls lnk ds fy, vyxko
gS tks gesa udZ esa fcrkuk iM+sxkA
ijUrq 'kqHk lekpkj ;g gS fd ge iki ls eqDr gksdj ijes'oj ls lEcUèk j[k ldrs
gSaA ckbcy dgrh gS] ^^iki dh etnwjh (Hkqxrku) rks e`R;q gS] ijUrq ijes'oj
dk ojnku gekjs izHkq elhg ;h'kq esa vuUr thou gS** (jksfe;kas 6%23)A ;h'kq us
lkjs lalkj ds ikiksa ds fy, ewY; pqdk;k tc mlus Øwl ij vius izk.k fn;sA rc rhljs
fnu og thfor gks x,] cgqrksa dks mUgksaus vius vkidks thfor fn[kk;k vkSj rc og
okil LoxZ pys x,A
ijes'oj izse vkSj n;k dk ijes'oj gSA og ugha pkgrk fd dksbZ Hkh udZ esa uk'k gksA
blfy, og vk;k rkfd lkjh ekuo tkfr dks iki ls NqVdkjs vkSj mlds vuUr ifj.kkeksa
ls cpk ldsA og ikfi;ksa dks cpkusμ vki vkSj eq> tSls yksxksa dks iki vkSj vuUr
e`R;q ls cpkus vk;k FkkA
iki dh fu'kqYd {kek izkIr djus ds fy, ckbcy gesa crkrh gS fd gesa dsoy ,d
dke djuk gSμtks dqN mlus Øwl ij fd;k mls Lohdkj djuk vkSj ml ij iw.kZ ân;
ls fo'okl djuk gSA
tks dksbZ ml ij fo'okl djsxk] mldks mlds uke ds }kjk ikiksa dh {kek feysxh
(izsfjrksa ds dke 10%43)A
;fn rw vius eqag ls ;h'kq dks izHkq tkudj vaxhdkj djs vkSj vius eu ls fo'okl
djs] fd ijes'oj us mls ejs gqvksa esa ls ftyk;k] rks rw fu'p; m¼kj ik,xk
(jksfe;kas 10%9)A
vki Hkh vius ikiksa dh {kek vkSj muls NqVdkjk ik ldrs gSa ;fn vki izHkq elhg
ij fo'okl djsaA
fuEufyf[kr ,d lkèkj.k izkFkZuk gS rkfd blls vkidks ;g iQSlyk djus esa vkSj izHkq
;h'kq elhg ds }kjk vkids fy, fd, Øwl ds dk;Z ij fo'okl djus esa lgk;rk dj
ldsA ;g izkFkZuk vkidh lgk;rk djsxh fd vki ;h'kq ds dk;Z dks Lohdkj djds vius
ikiksa dh {kek vkSj muls NqVdkjk ik ldsaA ;g izkFkZuk ek=k ,d ekxZnf'kZdk gSA vki
vius 'kCnksa esa Hkh izkFkZuk dj ldrs gSa %
fiz; izHkq ;h'kq] vkt eSaus le>k gS fd vkius esjs fy, Øwl ij D;k fd;k FkkA vki
esjs fy, ekjs x,! vkius viuk cgqewY; jDr cgk;k vkSj esjs ikiksa dh dher pqdkbZ
rkfd eq>s ikiksa dh {kek feysA ckbcy eq>s crkrh gS fd tks dksbZ vki esa fo'okl
djrk gS mls mldks ikiksa dh {kek feyrh gSA
vkt eSa vkiesa fo'okl djus vkSj tks dqN vkius esjs fy, fd;k gS] mldks Lohdkj
djus dk iQSlyk djrk gw¡] fd vki Øwl ij ekjs x, vkSj fiQj thfor gks x,A eSa
tkurk gw¡ fd eSa vius vkidks vPNs dkeksa ds }kjk ugha cpk ldrk gw¡A eSa vius ikiksa
dh {kek dek ugha ldrk gw¡A
vkt eSa vius ân; esa fo'okl djrk gw¡ vkSj eq¡g ls dgrk gw¡ fd vki esjs fy, ekjs
x,A vkius esjs ikiksa dk n.M pqdk;kA vki e`rdksa esa ls thfor gks x, vkSj vkiesa
fo'okl djus ds }kjk eSa vius ikiksa dh {kek vkSj iki ls NqVdkjk izkIr djrk gw¡A
izHkq ;h'kq èkU;oknA esjh lgk;rk djsa fd eSa vkidks izse dj ldw¡A vkidks vkSj vfèkd
tku ldw¡ vkSj vkids izfr fo'okl;ksX; jg ldw¡A vkehu!