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GBPGmwm cixÿvi cÖkc

œ Î : m„Rbkxj ------------------------------------------------------------------421
1. XvKv †evW© 2022 .........................................................................................................................................................4
2. ivRkvnx †evW© 2022 ................................................................................................................................................... 5
3. h‡kvi †evW© 2022 .......................................................................................................................................................6
4. Kzwgjøv †evW© 2022...................................................................................................................................................... 7
5. PÆMÖvg †evW© 2022 ..................................................................................................................................................... 8
6. wm‡jU †evW© 2022.......................................................................................................................................................9
7. ewikvj †evW© 2022 ...................................................................................................................................................10
8. w`bvRcyi †evW© 2022 ................................................................................................................................................. 11
9. gqgbwmsn †evW© 2022 ...............................................................................................................................................12
10. XvKv †evW© 2021 .......................................................................................................................................................13
11. ivRkvnx †evW© 2021 ..................................................................................................................................................14
12. h‡kvi †evW© 2021 .....................................................................................................................................................15
13. Kzwgjøv †evW© 2021 .....................................................................................................................................................16
14. PÆMÖvg †evW© 2021.....................................................................................................................................................17
15. wm‡jU †evW© 2021 .....................................................................................................................................................18
16. ewikvj †evW© 2021 ...................................................................................................................................................19
17. w`bvRcyi †evW© 2021 .................................................................................................................................................20
18. gqgbwmsn †evW© 2021................................................................................................................................................21

œ Î I DËigvjv : eûwbe©vPwb------------------------------------------------ 2239
19. XvKv †evW© 2022 .......................................................................................................................................................22
20. ivRkvnx †evW© 2022 ..................................................................................................................................................23
21. h‡kvi †evW© 2022 .....................................................................................................................................................24
22. Kzwgjøv †evW© 2022.....................................................................................................................................................25
23. PÆMÖvg †evW© 2022 ....................................................................................................................................................26
24. wm‡jU †evW© 2022.....................................................................................................................................................27
25. ewikvj †evW© 2022 ...................................................................................................................................................28
26. w`bvRcyi †evW© 2022 .................................................................................................................................................29
27. gqgbwmsn †evW© 2022 .............................................................................................................................................. 30
28. XvKv †evW© 2021 .......................................................................................................................................................31
29. ivRkvnx †evW© 2021 ..................................................................................................................................................32
30. h‡kvi †evW© 2021 .................................................................................................................................................... 33
31. Kzwgjøv †evW© 2021 .....................................................................................................................................................34
32. PÆMÖvg †evW© 2021.................................................................................................................................................... 35
33. wm‡jU †evW© 2021 .....................................................................................................................................................36
34. ewikvj †evW© 2021 .................................................................................................................................................. 37
35. w`bvRcyi †evW© 2021 ................................................................................................................................................ 38
36. gqgbwmsn †evW© 2021................................................................................................................................................39
œ Î : m„Rbkxj ----------------------------------------------- 4049
37. AvBwWqvj ¯‹zj A¨vÛ K‡jR, gwZwSj, XvKv ......................................................................................................................40
38. mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi ................................................................................................................41
39. Lyjbv miKvwi gwnjv K‡jR ..........................................................................................................................................42
40. Kzwgjøv miKvwi gwnjv K‡jR .........................................................................................................................................43
41. we G Gd kvnxb K‡jR, PÆMÖvg .....................................................................................................................................44
42. Rvjvjvev` K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR, wm‡jU........................................................................................................45
43. wm‡jU K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR.......................................................................................................................46
44. Ag„Z jvj †` gnvwe`¨vjq, ewikvj .................................................................................................................................47
45. w`bvRcyi miKvwi K‡jR............................................................................................................................................. 48
46. Avb›` †gvnb K‡jR, gqgbwmsn ....................................................................................................................................49

œ Î I DËigvjv : eûwbe©vPwb ------------------------------- 5059
47. gwZwSj g‡Wj ¯‹zj GÛ K‡jR, XvKv ............................................................................................................................. 50
48. XvKv Bgwcwiqvj K‡jR ...............................................................................................................................................51
49. mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi ................................................................................................................52
50. Lyjbv miKvwi gwnjv K‡jR ......................................................................................................................................... 53
51. Kzwgjøv miKvwi gwnjv K‡jR .........................................................................................................................................54
52. we G Gd kvnxb K‡jR, PÆMÖvg .................................................................................................................................... 55
53. wm‡jU K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR.......................................................................................................................56
54. Ag„Z jvj †` gnvwe`¨vjq, ewikvj ................................................................................................................................ 57
56. Avb›` †gvnb K‡jR, gqgbwmsn ....................................................................................................................................59
G·K¬zwmf g‡Wj †U÷ : m„Rbkxj ---------------------------------------------------------------------- 6064

57. G·K¬zwmf g‡Wj †U÷ 01 ............................................................................................................................................60
58. G·K¬zwmf g‡Wj †U÷ 02 ............................................................................................................................................61
59. G·K¬zwmf g‡Wj †U÷ 03 ............................................................................................................................................62
60. G·K¬zwmf g‡Wj †U÷ 04 ............................................................................................................................................63
61. G·K¬zwmf g‡Wj †U÷ 05 ............................................................................................................................................64
G·K¬zwmf g‡Wj †U÷ I DËigvjv : eûwbe©vPwb ----------------------------------------------------- 6569

62. G·K¬zwmf g‡Wj †U÷ 06 ............................................................................................................................................65
63. G·K¬zwmf g‡Wj †U÷ 07 ............................................................................................................................................66
64. G·K¬zwmf g‡Wj †U÷ 08 ............................................................................................................................................67
65. G·K¬zwmf g‡Wj †U÷ 09 ............................................................................................................................................68
66. G·K¬zwmf g‡Wj †U÷ 10 ............................................................................................................................................69
4 HSC m„Rbkxj wdb¨vÝ, e¨vswKs I wegv cÖ_g cÎ MADE EASY with TEST PAPERS
GBPGmwm cix¶vi cÖkœcÎ : m„Rbkxj

1 XvKv †evW© 2022 welq †KvW : 2 9 2
mgq1 NÈv 40 wgwbU wdb¨vÝ, e¨vswKs I wegv cÖ_g cÎ m„Rbkxj cÖkœ c~Y©gvb40
[`ªóe¨ : Wvb cv‡ki msL¨v cÖ‡kœi c~Y©gvb ÁvcK| wb‡Pi DÏxcK¸‡jv co Ges mswkøó cÖkœ¸‡jvi DËi `vI| †h‡Kv‡bv PviwU cÖ‡kœi DËi `vI|]
1  K‡ivbv fvBiv‡mi f¨vKwmb ˆZwii Rb¨ †Rwb_ †Kv¤úvwb 1 †KvwU UvKv DcwiD³ Z_¨vw` we‡kølY K‡i wZwb †Kv¤úvwb L-G wewb‡qv‡Mi wm×všÍ MÖnY
g~‡jï GKwU bZzb †gwkb ¯’vcb K‡ib| D³ A_© Zviv Ggb Drm †_‡K K‡ib| Aewkó 2 jÿ UvKv ˆ`bw›`b eëmvwqK KvR cwiPvjbvi Rb¨ wZwb
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†ewk n‡jI †Kv¤úvwbwU K‡ivbv cÖwZ‡iv‡a webvg~‡j¨ gv¯‹ I n¨vÛ L. miKvi Zvi g~j jÿ¨ AR©‡b Kxfv‡e A_©vqb K‡i _v‡K? 2
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K. GKwU dv‡g©i P‚ovšÍ jÿ¨ Kx? 1 K‡ib? e¨vL¨v Ki| 3
L. Znwej msMÖn ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 N. Rbve AvwR‡Ri wewb‡qvM wm×všÍwU wK mwVK? hyw³mn e¨vL¨v Ki| 4
M. DÏxcK Abyhvqx †Rwb_ †Kv¤úvwb bZzb †gwk‡bi Rb¨ †Kvb Drm 7  Rbve ivwKe GKRb miKvwi Kg©Pvix| wZwb w`bvRcyi kn‡ii myBnvix GjvKvq
†_‡K A_© msMÖn Ki‡e? e¨vL¨v Ki| 3 20,00,000 UvKvq GKwU Rwg µq Ki‡Z B”QzK| ZvB wZwb 10% my‡` evwl©K
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50,00,000 UvKv| ZvB Rbve wjqb Bó e¨vs‡K 5,00,000 UvKv Rgv L. wewb‡qvM wm×všÍ MÖn‡Y †Kb A‡_©i mgqg~j¨ we‡ePbv Ki‡Z nq? 2
ivL‡Z Pvq hvnv 6 eQi ci wØ¸Y n‡e| Aewkó 40,00,000 UvKv msMÖ‡ni M. DÏxcK Abyhvqx Rbve ivwKe cÖwZev‡i Kx cwigvY A_© ÔAv¯’v e¨vsKÕ
Rb¨ wZwb b_© I mvD_ bv‡g `yBwU e¨vs‡Ki mv‡_ †hvMv‡hvM Ki‡j e¨vsK †K cwi‡kva Ki‡e? 3
`yBwU Rvbvq cÖ_gZ b_© e¨vsK eQ‡ii cÖ_‡g RgvK…Z A‡_©i Dci evwl©K N. DÏxc‡K DwjøwLZ Rbve ivwK‡ei F‡Yi cÖwZwU wKw¯Íi my` I
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RgvK…Z A‡_©i Dci 10% Aa©evwl©K Pµe„w× my` cÖ`v‡bi cÖ¯Íve †`q| 8  wg. Kv‡ì GKRb K…wlwe`| wZwb Zvi Kvh©µg cwiPvjbvi Rb¨ GKwU
K. 69 wewa Kx? 1 AvaywbK †gwkb ¯’vc‡bi K_v fve‡Qb| hvnv‡Z cY¨ Drcv`b e¨q me©wb¤œ nq|
L. A‡_©i µqÿgZv gy`ªvùxwZ Øviv Kxfv‡e cÖfvweZ nq? 2 G‡ÿ‡Î wZwb †gwk‡bi bM` AvšÍtcÖevn I ewntcÖevn Gi eZ©gvb g~j¨ k~b¨ nq
M. DÏxcK Abyhvqx Rbve wjq‡bi Bó e¨vs‡K RgvK…Z A‡_©i my‡ì nvi wbY©q Ki| 3 Ggb GKwU c×wZ AbymiY K‡ib| †mBmv‡_ †gwkbwUi Kvh©µg g~j¨vq‡bi
N. Rbve wjq‡bi †Kvb Drm †_‡K A_© msMÖn Kiv DwPZ e‡j Zzwg g‡b gva¨‡g wewb‡qvMK…Z A_© `ªæZ †diZ cvIqvi cÖZ¨vkv K‡ib| D³ †gwkbwUi
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m¤úbœ Kivi Rb¨ GKwU wgKPvi †gwkb I GKwU †Lvqv fvOv †gwkb ìKvi| 30,000 UvKv I 15,000 UvKv| †gwkbwUi g~jabx e¨q 14%|
cÖwZwU †gwk‡bi `vg 1,00,000 UvKv| AvMvwg 5 eQi ci wgKPvi †gwkbwU K. g~jab wbqš¿Y Kx? 1
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10,000 UvKv, 15,000 UvKv, 20,000 UvKv, 25,000 UvKv I 30,000 m¤úv`b K‡ib? e¨vL¨v Ki| 3
UvKv| Ki nvi 25% Ges AePq mij‰iwLK c×wZ‡Z wbY©q Kiv nq| N. DÏxc‡K DwjøwLZ †gwkbwU wg. Kv‡`‡ii µq Kivi wm×všÍwU
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evÆvi nvi 12%| wZwb †h‡Kv‡bv GKwU †gwkb µq Ki‡Z B”QzK| 9  nvwbd GKRb wewb‡qvMKvix| wZwb wb‡¤œi `yBwU †Kv¤úvwbi †h‡Kv‡bv
K. bM` cÖevn Kx? 1 GKwU‡Z wewb‡qvM Ki‡Z AvMÖnx| †Kv¤úvwb `yBwUi Z_¨ n‡jv :
L. AvšÍtAvq nvi c×wZ‡Z Kxfv‡e cÖKí g~j¨vqb Kiv nq? 2 weeiY cÖZ¨vkv †Kv¤úvwb iƒcvjx †Kv¤úvwb
M. DÏxcK Abyhvqx wgKPvi †gwkbwUi g~j¨ KZ eQ‡i †diZ cvIqv hv‡e? 3
N. DÏxc‡K DwjøwLZ Rbve †njv‡ji †Kvb †gwkbwU µq Kiv DwPZ? e‡Ûi wjwLZ g~j¨ 2,500 UvKv 2,500 UvKv
evÆvK…Z bM` cÖev‡ni wfwË‡Z we‡kølY Ki| 4 Kzcb nvi  12%
4  Rbve BKevj PvKwii cvkvcvwk †kqvievRv‡i wewb‡qvM Ki‡Z AvMÖnx| wZwb †gqv`Kvj 5 eQi 
wewfbœ A_©‰bwZK Ae¯’v we‡ePbv K‡i wewb‡qv‡Mi Rb¨ B I Gd bv‡g `yBwU cÖZ¨vwkZ Av‡qi nvi 10% 15%
†kqvi cQ›` K‡i‡Qb| †kqvi `yBwUi Av‡qi nvi I m¤¢vebv wb¤œiƒc : eZ©gvb evRvig~j¨ 2,000 UvKv 2,800 UvKv
A_©‰bwZK Av‡qi nvi (%) K. ÷K Kx? 1
Ae¯’v m¤¢vebv L. KLb e‡Ûi evRvig~j¨ I wjwLZ g~j¨ mgvb nq? 2
B Gd
Avkve¨vÄK 0.30 25 20 M. DÏxc‡K DwjøwLZ iƒcvjx †Kv¤úvwbi e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3
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nZvkvRbK 0.10 15 10 Ki‡e? gZvgZ `vI| 4
†kqvi `yBwUi cÖZ¨vwkZ Av‡qi nvi h_vµ‡g 23% I 19%| 10  Rvbe †mŠif P I Q bvgK `yBwU †Kv¤úvwbi g‡a¨ †h‡Kv‡bv GKwU‡Z wewb‡qvM
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M. DÏxcK Abyhvqx Gd †kqv‡ii cwiwgZ eëavb wbY©q Ki| 3 eQi P †Kv¤úvwb % Q †Kv¤úvwb % evRvi gybvdvi nvi (%)
N. DÏxc‡K DwjøwLZ †kqvi `yBwUi g‡a¨ Rbve BKevj †Kvb †kqviwU 2016 10 8 10
µq Ki‡eb? SzuwK we‡ePbvq we‡kølY Ki| 4 2017 20 15 15
5  Rbve Zzwnb Zvi wewb‡qvM †_‡K 10% Avq †c‡Z Pvq| wZwb jÿ K‡ib 2018 8 6 7
jyKvm †Kv¤úvwb 7 eQi †gqvw` GKwU eÛ evRv‡i †Q‡o‡Q| hvnvi wjwLZ K. Zvij¨ SzuwK Kx? 1
g~j¨ 3,000 UvKv Ges 12% Kzcb nv‡i 3,500 UvKvq weµq n‡”Q| L. Avw_©K SzuwK Kxfv‡e g~jab MV‡b mnvqZv K‡i? 2
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K. Avq eÛ Kx? 1 11  †mvbvjx wj. Gi AwZwi³ g~ja‡bi cÖ‡qvRb nIqvq 2,000 †kqvi weµ‡qi
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N. DÏxc‡K DwjøwLZ eÛ `yBwUi g‡a¨ Rbve Zzwn‡bi †Kvb eÛ µq Kiv gvwjKMY c~e©eZ©x eQ‡ii e‡Kqv jf¨vsk cieZ©x eQ‡i cÖvwßi my‡hvM
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6  Rbve AvwRR GKRb eëmvqx| Zvi †gvU g~jab 10 jÿ UvKvi g‡a¨ 8 jÿ UvKv ci †Kv¤úvwbi †fvUvwaKvi cvIqvi `vwe`vi|
†kqvievRv‡i wewb‡qvM Ki‡Z AvMÖnx| Zvnvi we‡eP¨ PviwU †Kv¤úvwbi Z_¨ wb¤œiƒc : K. cyU eÛ Kx? 1
†Kv¤úvwb cÖZ¨vwkZ Av‡qi nvi cwiwgZ eëavb L. wbgw¾Z Znwej m„wó Kiv nq †Kb? 2
K 20% 10% M. DÏxc‡K DwjøwLZ †mvbvjx wj. KZ…©K Bmy¨K…Z 1,500 †kqvi †Kvb
L 16% 8% ai‡bi †kqvi? e¨vL¨v Ki| 3
M 12% 5% N. †gqv`nxb 500wU †kqv‡ii gvwjKMY‡K †fvUvwaKvi cÖ`v‡bi KviY I
N 8% 0% Hme †kqv‡ii aib wek`fv‡e e¨vL¨v Ki| 4
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2 ivRkvnx †evW© 2022 welq †KvW : 2 9 2

1  †gNbv †Kv¤úvwb Drcvw`Z c‡Yï gv‡bi Dci ¸iæZ¡ †`q Ges eÛ my‡ì nvi †gqv` evRvig~j¨
†fv³v I kÖwgK‡ì ¯^v_© we‡ePbv K‡i| †Kv¤úvwb gybvdvi GKwU P 12% 6 eQi 1,100
Ask jf¨vsk wnmv‡e eÈb K‡i Ges cÖKí wewb‡qv‡M A‡_©i Q 11% 6 eQi 1,050
mgqg~j¨ we‡ePbv K‡i| d‡j †Kv¤úvwbi evRvi `ªæZ m¤úÖmvwiZ
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n‡”Q|
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M. †gNbv †Kv¤úvwb A_©vq‡bi †Kvb `vwqZ¡ cvjb Ki‡Z‡Q? L. †Uª R vwi eÛ ej‡Z Kx †evS? 2
Av‡jvPbv Ki| 3 M. 'P' e‡Ûi †gqv`c~wZ©‡Z Av‡qi nvi wbY©q Ki| 3
N. †gNbv †Kv¤úvwb KZ…©K Abym„Z A_©vq‡bi jÿ¨wU Av‡jvPbv Ki| 4 N. eZ© g vb g~ ‡jï Av‡jv‡K wgm ¯^ Yv© i †Kvb e‡Û wewb‡qvM Kiv
2  wg. ingvb ¯‹qvi wj. Gi GKRb Avw_©K eë¯’vcK| Zvi †Kv¤úvwbi DwPZ? we‡kølY Ki| 4
e¨vs‡K 50,00,000 UvKv Rgv Av‡Q| wZwb D³ UvKv wZbwU cÖK‡í 8  wg. mvjvg `ywU cÖK‡íi g‡a¨ †h‡Kv‡bv GKwU cÖK‡í wewb‡qv‡Mi Rb¨
wewb‡qvM K‡ib| cÖ_g cÖK‡í wZwb ÿwZi m¤§yLxb nb wKšÍy 2q I wm×všÍ wb‡Z Pvb| cÖK‡íi cÖv_wgK wewb‡qvM 50,000 UvKv Ges
3q cÖK‡í wZwb gybvdv AR©b K‡ib| evÆvi nvi 10%| cÖKí `ywUi bM` AvšÍtcÖevn wb¤œiƒc :
K. Zvij¨ Kx? 1 bM` AvšÍtcÖevn (UvKv)
L. †cvU©‡dvwjI bxwZ †Kb MÖnY Kiv nq? 2 cÖKí
1g eQi 2q eQi 3q eQi 4_© eQi 5g eQi
M. DÏxc‡K A_©vq‡bi †Kvb Kvh©vewji D‡jøL Av‡Q? Av‡jvPbv Ki| 3 cÖKí-1 12,000 18,000 30,000 16,000 22,000
N. wg. ingvb A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? Av‡jvPbv Ki| 4 cÖKí-2 18,000 20,000 22,000 24,000 18,000
3  Rbve m‡ivqvi GKRb K…lK hvi Kv‡Q 2,00,000 UvKv i‡q‡Q|
K. g~jab ev‡RwUs Kx? 1
wZwb GKwU grm¨ cÖK‡í wewb‡qvM Ki‡Z Pvb hv †_‡K AvMvgx 5
L. ci¯úi eR©bkxj cÖKí ej‡Z Kx †evSvq? 2
eQi h_vµ‡g 40,000 UvKv, 56,000 UvKv, 42,000 UvKv,
25,000 UvKv Ges 80,000 UvKv cvIqv hv‡e| Ab¨w`‡K Zvi eÜy M. cÖKí-1 Gi Mo gybvdvi nvi wbY©q Ki| 3
Zv‡K civgk© †`q †cvwëª dv‡g©i eëmv Ki‡Z hv n‡Z AvMvgx 5 N. wg. mvjv‡gi wbU eZ© g vb g~ ‡jï Av‡jv‡K †Kvb cÖ K ‡í
eQi cÖwZ eQi †k‡l 50,000 UvKv K‡i cvIqv hv‡e| cÖZ¨vwkZ wewb‡qvM Kiv jvfRbK? g~j¨vqb Ki| 4
Av‡qi nvi 10%| 9  ivqnvb wjwg‡UW †Kv¤úvwb GKwU cÖK‡í 5,00,000 UvKv wewb‡qv‡M
K. mij my` Kx? 1 AvMÖnx hvi fMœve‡kl g~j¨ 35,000 UvKv| †Kv¤úvwbi K‡ii nvi
L. eZ©gvb g~j¨ A‡cÿv fwel¨r g~j¨ †ewk nq e¨vL¨v Ki| 2 30% Ges g~jab e¨q 12%| cÖKíwUi Kic~e©eZ©x Z_¨vewj wb¤œiƒc :
M. m‡ivqvi mv‡n‡ei grm¨ cÖKí †_‡K bM` AvšÍtcÖev‡ni †gvU eQi Kic~e©eZ©x gybvdv
eZ©gvb g~j¨ wbY©q Ki| 3 1 1,00,000
N. m‡ivqvi mv‡n‡ei †Kvb cÖK‡í wewb‡qvM Kiv DwPZ? e¨vL¨v Ki| 4 2 1,20,000
4  Rbve mygb GKRb D‡`¨v³v nIqvi ¯^cœ †QvU‡ejv †_‡K †`L‡Qb| 3 90,000
wek¦we`¨vj‡q covKvjxb mgq †_‡K wZwb evwl©K 50,000 UvKv K‡i 4 1,50,000
12% nv‡i 10 eQi †gqvw` GKwU wWwcGm K‡ib| Zvi ¯^‡cœi 5 1,70,000
eëmvqwU Pvjy Kivi Rb¨ 10,00,000 UvKv cÖ‡qvRb| K. g~jab †ikwbs Kx? 1
K. mvaviY evwl©Kx Kx? 1
L. Kvh©Kix my‡ì nvi ej‡Z Kx †evSvq? 2 L. g~ j ab ev‡RwUs gy b vdv AR© ‡ bi ÿgZv e„ w × K‡i e¨vL¨v Ki| 2
M. 10 eQi c‡i mygb KZ UvKv wWwcGm †_‡K †c‡qwQ‡jb? 3 M. cÖKíwUi wbU eZ©gvb g~j¨ wbY©q Ki| 3
N. DÏxc‡Ki Av‡jv‡K eëmvq Avi‡¤¢i Rb¨ myg‡bi evwl©K KZ N. Af¨šÍ i xY DcvR© b nv‡ii gva¨‡g cÖ K ‡íi wewb‡qvM wm×všÍ
UvKv wWwcGm wn‡m‡e Rgv‡bv DwPZ? we‡kølY Ki| 4 g~j¨vqb Ki| 4
5  Rbve †mwjg Aemi MÖn‡Yi ci 8,00,000 UvKv cvb| wZwb D³ A_© 10 `ywU cÖK‡íi weMZ wZb eQ‡ii Av‡qi nvi wb¤œiƒc :
5 eQ‡ii Rb¨ e¨vs‡K Rgv ivL‡Z Pvb| Zvi Kv‡Q `ywU weKí i‡q‡Q| eQi cÖKí-K cÖKí-L
†mvbvjx e¨vsK 12% mij my‡` I iƒcvjx e¨vsK 10% Pµe„w× my` 2018 8% 10%
cÖ`v‡b AvMÖnx| e¨vsK QvovI Gwj‡Kv wegv †Kv¤úvwb 5 eQi †k‡l 2019 9% 2%
12,00,000 UvKv cÖvwßi GKwU weKí cÖ¯Íve Zvi Kv‡Q i‡q‡Q| 2020 12% 16%
K. wewa 72 Kx? 1
K. SzuwK Kx? 1
L. A‡_©i mgqg~j¨ †Kb cQ›`bxq? e¨vL¨v Ki| 2
L. †cvU©‡dvwjI bxwZ †Kb AbymiY Kiv nq? 2
M. †mwjg mv‡ne iƒcvjx e¨vsK †_‡K 5 eQi ci KZ UvKv cv‡eb? 3
M. cÖKí-K Gi Av‡qi Av`k© wePz¨wZ wbY©q Ki| 3
N. DÏxc‡Ki †Kvb weKíwU Rbve †mwj‡gi MÖnY Kiv DwPZ? e¨vL¨v Ki| 4
6  ReŸvi mv‡ne cÖwZwU 10,000 UvKv g~‡jï 8% K‚cb eÛ 10,200 N. Sz w
u K we‡ePbvq †Kvb cÖK ‡í wewb‡qvM Kiv DwPZ? we‡kø l Y Ki| 4
UvKvq µq K‡ib| e‡Ûi †gqv` 10 eQi| †gqv`c~wZ©‡Z eÛwU 11  wb‡¤œi `ywU †Kv¤úvwbi m¤¢vebv I cÖZ¨vwkZ Av‡qi nvi †Ìqv n‡jv :
10% Awanv‡i cwi‡kva Ki‡Z n‡e| cÖZ¨vwkZ Av‡qi nvi 10%| m¤¢vebv 0.20 0.40 0.40
K. wPi¯’vqx eÛ Kx? 1 gwb †Kv¤úvwbi Avq 0.15 0.14 0.18
L. msiwÿZ Avq ej‡Z Kx †evSvq? 2 iwb †Kv¤úvwbi Avq 0.12 0.20 0.10
M. DÏxc‡K eÛwUi †gqv`c~wZ©‡Z Av‡qi nvi KZ? 3 K. m¤¢vebv web¨vm Kx? 1
N. DÏxc‡Ki eÛwU Kx µq Kiv jvfRbK? hyw³mn gZvgZ `vI| 4 L. cwinvi‡hvM¨ SzuwK ej‡Z Kx †evSvq? 2
7  wgm ¯^Y©v eÛ evRv‡i wewb‡qvM Ki‡Z AvMÖnx| wZwb wewb‡qv‡Mi Rb¨ M. †Kv¤úvwb `ywUi Mo gybvdv wbY©q Ki| 3
wb‡¤œv³ `yBwU eÛ we‡ePbv Ki‡Qb : N. we‡f`v‡¼i we‡ePbvq †Kvb †Kv¤úvwbwU fv‡jv? g~j¨vqb Ki| 4
3 h‡kvi †evW© 2022 welq †KvW : 2 9 2

1  mvbgyb †Kv¤úvwb wj. Pvi eQi †gqvw` GKwU cÖK‡í wewb‡qv‡Mi 6  Rbve Kvgvj GKRb dj eëmvqx| wZwb Zvi †`vKv‡bi GKvB
wm×všÍ †bq| cÖKíwUi bM` AvšÍtcÖevn I Ab¨vb¨ Z_¨ wb¤œiƒc : gvwjK| hvi d‡j mKj jvf-ÿwZ wZwb wb‡RB enb K‡ib| Zvi
cÖv_wgK wewb‡qvM eQi-1 eQi-2 eQi-3 eQi-4 †`vKv‡b wewfbœ iK‡gi dj Av‡Q? hv †fv³v‡ì Kv‡Q wewµ K‡ib|
2,00,000 60,000 70,000 80,000 76,000 wZwb SzuwK Kgv‡bvi Rb¨ c‡Yï gv‡S êwPÎ¨ iv‡Lb|
evÆvi nvi 8%| K. m¤ú` me©vwaKiY Kx? 1
K. ¯^vaxb cÖKí Kx? 1 L. miKvwi A_© v qb ej‡Z Kx †evSvq? 2
L. g~jab †ikwbs †Kb Kiv nq? 2 M. DÏxc‡K Rbve Kvgvj †Kvb ai‡bi eëmvqx? eY©bv Ki| 3
M. cÖKíwUi wbU eZ©gvb g~j¨ wbY©q Ki| 3 N. Rbve Kvgvj Zvi eëmv‡qi DbœwZi Rb¨ A_©vq‡bi †h bxwZ
N. Af¨šÍixY Av‡qi nv‡ii (IRR) wfwË‡Z mvbgyb †Kv¤úvwbi Aej¤^b K‡i‡Qb Zv eY©bv Ki| 4
wewb‡qvM wm×všÍ g~j¨vqb Ki| 4 7  BDwbK †Kv¤úvwb †gvevBj †dvb eëmvq RwoZ| †Kv¤úvwbwU evsjv‡`‡ki
2  ABC †Kv¤úvwb GKwU bZzb †gwkb 5,00,000 UvKvq µq K‡i| evRv‡i cÖ‡e‡ki Rb¨ `xN©‡gqvw` cwiKíbv MÖnY K‡i| bZzb cwiKíbvq
†gwkbwUi Avqy®‹vj 5 eQi Ges †Kv‡bv fMœve‡kl g~j¨ †bB| †Kv¤úvwbwU Avw_©K msK‡U c‡o| ZvB Zviv †kqvi wewµi wm×všÍ †bq|
†Kv¤úvwbi K‡ii nvi 40%| K. A_©vqb Kx? 1
eQi 1 2 3 4 5 L. mvgvwRK `vqe×Zv ej‡Z Kx †evSvq? 2
bM` 1,00,00 1,40,00 1,50,00 2,50,00 M. BDwbK †Kv¤úvwbi †kqvi weµq Kx ai‡bi wm×všÍ? e¨vL¨v Ki| 3
1,10,000 N. †Kv¤úvwbwUi `xN©‡gqvw` cwiKíbvq †kqvi wewµ hyw³hy³
AvšÍtcÖevn 0 0 0 0
K. g~jab ev‡RwUs Kx? 1 wKbv? e¨vL¨v Ki| 4
L. ci¯úi eR©bkxj cÖKí ej‡Z Kx †evSvq? 2 8  Rbve Zvbwfi Mvwo µ‡qi Rb¨ wjwRs †Kv¤úvwb wj. n‡Z 5 jÿ UvKv
M. ABC †Kv¤úvwbi Mo gybvdvi nvi (ARR) wbY©q Ki| 3 FY MÖnY K‡i‡Qb| F‡Yi my‡ì nvi 10%| wZwb AvMvgx 4 eQie¨vcx
N. hw` evÆvi nvi 10% nq, Zvn‡j wbU eZ©gvb g~‡jï (NPV) cÖwZ eQi †k‡l mgcwigvY UvKv F‡Yi wKw¯Í wnmv‡e cwi‡kva Ki‡eb|
wfwË‡Z †gwkbwU µq Kiv DwPZ wK bv? we‡ePbv Ki| 4 K. A‡_©i mgqg~j¨ Kx? 1
3  Rbve iv‡mj GKRb wewb‡qvMKvix| wZwb wewb‡qv‡Mi Rb¨ †h `ywU L. my‡hvM e¨q ej‡Z Kx †evSvq? 2
wmwKDwiwU wPwýZ K‡i‡Qb Zv wb¤œiƒc : M. Rbve Zvbwf‡ii F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3
Av‡qi nvi N. Rbve Zvbwf‡ii FY cwi‡kva m~ w P ˆZwi K‡i wewfbœ eQ‡ii
eQi my‡ì cwigvY †`LvI| 4
wmwKDwiwU-A wmwKDwiwU-B
9  Rbve ivwKe Rwg wewµ K‡i 5,00,000 UvKv †c‡jb, hv e¨vs‡K 10
2019 30% 25%
eQ‡ii Rb¨ ¯’vqx wnmve Ly‡j Rgv ivLvi wm×všÍ wb‡jb| wZwb
2020 20% 35%
Rvb‡Z cvi‡jb, hgybv e¨vs‡K Rgv ivL‡j 5 eQi †k‡l 7,00,000
2021 15% 45% UvKv cv‡eb| Ab¨w`‡K, myigv e¨vs‡K ivL‡j 4 eQi †k‡l
gyb †Kv¤úvwbi weUvi gvb 1.8| †UªRvwi we‡ji Av‡qi nvi 9%| 6,50,000 UvKv cv‡eb|
evRvi Av‡qi nvi 18%| K. bM` cÖevn Kx? 1
K. SzuwK Kx? 1 L. Pµe„w×KiY ej‡Z Kx †evSvq? 2
L. evRvi SzuwK‡K †Kb Acwinvi‡hvM¨ SzuwK ejv nq? 2 M. DÏxc‡Ki Av‡jv‡K hgybv e¨vs‡Ki my‡ì nvi wbY©q Ki| 3
M. gyb †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3 N. Rbve ivwK‡ei †Kvb e¨vs‡K A_© Rgv ivLv DwPZ? MvwYwZK
N. Rbve iv‡m‡ji †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv DËg? we‡kølY Ki| 4
MvwYwZK we‡kølY Ki| 4 10 Rbve wgVz Zvi Ajm A_© e‡Û wewb‡qvM Ki‡Z Pv‡”Qb| wZwb eÛevRvi
4  Rbve Avmjvg GKwU cÖK‡í wewb‡qv‡Mi wPšÍv-fvebv Ki‡Qb| AbymÜvb K‡i 2wU eÛ wbe©vPb K‡ib| Dfq e‡Ûi AwfwnZ g~j¨
†Kv¤úvwbi Z_¨ wb¤œiƒc : 1,000 UvKv| cÖZ¨vwkZ Av‡qi nvi 10%| Ab¨vb¨ Z_¨ wb¤œiƒc :
A_©‰bwZK Av‡qi nvi eÛ Kzcb my‡ì nvi evRvig~j¨ †gqv` cwicK¡ g~j¨
m¤¢vebv
Ae¯’v cÖKí-P cÖKí-Q 12% 1,100 1,000
A 
fv‡jv 0.40 12% 10%
B  600 12 eQi 1,500
g›` 0.25 4% 6%
¯^vfvweK 0.35 9% 8% K. Kz c b eÛ Kx? 1
L. Kvh©Kix g~jab aviYvwU e¨vL¨v Ki| 2
K. Avw_©K SzuwK Kx? 1
M. 'A' e‡Ûi PjwZ Av‡qi nvi wbY©q Ki| 3
L. †cvU©‡dvwjI †Kb MVb Kiv nq? 2
M. cÖKí-P Gi cwiwgZ eëavb wbY©q Ki| 3 N. Rbve wgVz i †Kvb e‡Û wewb‡qvM Kiv DwPZ? we‡kø l Y Ki| 4
N. Rbve Avmjv‡gi †Kvb cÖK‡í wewb‡qvM Kiv DwPZ? we‡kølY Ki| 4 11  Rbve wiqv` eÛevRv‡i wewb‡qv‡M AvMÖnx| wZwb eÛevRv‡i 100 UvKv
5  wg. mygb g~jab evRv‡i wewb‡qvM Ki‡Z AvMÖnx| cÖ‡qvRbxq Z_¨ wb¤œiƒc : AwfwnZ g~‡jï `ywU eÛ †`L‡Z †c‡jb| e‡Ûi Ab¨vb¨ Z_¨ wb¤œiƒc :
wmwKDwiwUR wewb‡qvM Av‡qi nvi Av`k© wePz¨wZ mn-m¤^Ü eÛ Kzcb my‡ì nvi evRvig~j¨ †gqv`
X 40,000 12% 8% P 12% 119 8 eQi
0.80 Q 10% 80 
Y 60,000 10% 6%
K. AwbðqZv Kx? 1 Rbve wiqv‡ì cÖZ¨vwkZ Av‡qi nvi 10%|
L. Zvij¨ SzuwK Kxfv‡e m„wó nq? 2 K. YTC-Gi c~Yi© ƒc †jL| 1
M. wg. myg‡bi †cvU©‡dvwjI Av‡qi nvi wbY©q Ki| 3 L. K‡c©v‡iU eÛ ej‡Z Kx †evSvq? 2
N. †cvU©‡dvwjI Av`k© wePz¨wZ wbY©q K‡i †cvU©‡dvwjI M. 'P' e‡Ûi †gqv`c~wZ©‡Z Av‡qi nvi wbY©q Ki| 3
wewb‡qv‡Mi †hŠw³KZv g~j¨vqb Ki| 4 N. Rbve wiqv‡ì †Kvb e‡Û wewb‡qvM Kiv DwPZ? we‡kølY Ki| 4
4 Kzwgjøv †evW© 2022 welq †KvW : 2 9 2

1 BBC †Kv¤úvwb GKwU cÖmvabx Drcv`bKvix cÖwZôvb| D³ cÖwZôv‡bi K. eÛ Kx? 1
eë¯’vcK iwdK mv‡ne eëmvq m¤úÖmvi‡Yi Rb¨ bZzb bZzb cÖK‡í L. ÒmvaviY †kqvi‡nvìviMY †Kv¤úvwbi cÖK…Z gvwjKÓ e¨vL¨v Ki| 2
wewb‡qv‡Mi wPšÍv Ki‡Qb, cÖKí¸‡jv n‡jv cÖKí 'X' cÖKí 'Y' Ges cÖKí 'Z'| M. ÒAMÖvwaKvi †kqvi n‡Z mvaviY †kqvi DËgÓ e¨vL¨v Ki| 3
D³ cÖKí¸‡jv‡Z wewb‡qv‡Mi Rb¨ wZwb kvcjv e¨vsK n‡Z 5 eQ‡ii Rb¨ N. †Kv¤úvwb m¤úÖmvi‡Yi Rb¨ †h wm×všÍ MÖnY Kiv n‡q‡Q, Zvi
10% nv‡i 15 jÿ UvKv FY K‡ib| eë¯’vcK FYK…Z m¤ú~Y© UvKv cÖKí 'Y'- †hŠw³KZv we‡kølY Ki| 4
†Z wewb‡qv‡Mi Rb¨ cwiPvjbv cl©‡` cÖ¯Íve Dc¯’vcb K‡ib| wKšÍy cwiPvjbv 7  ÔIqvì© d¨vkb †Kv¤úvwbÕ cÖwZwU 1,000 UvKv g~‡jï wR‡iv Kzcb eÛ Bmy¨
cl©` Zvi cÖ¯Íve cÖZ¨vL¨vb K‡i meKwU cÖK‡í wewb‡qv‡Mi mycvwik K‡ib| K‡i| †Kv¤úvwbi Bmy¨K…Z e‡Ûi †gqv`Kvj 10 eQi|
K. cÖvwZôvwbK A_©vqb Kx? 1 K. mvaviY †kqvi Kx? 1
L. SzuwK I gybvdvi m¤úK© e¨vL¨v Ki| 2 L. gy`ªvùxwZ Kxfv‡e wewb‡qvM wm×všÍ‡K cÖfvweZ K‡i? 2
M. eë¯’vcK A_©vq‡bi †Kvb Drm n‡Z A_© msMÖn K‡i‡Qb? DÏxc‡Ki M. D³ †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi 15% n‡j e‡Ûi eZ©gvb g~j¨
Av‡jv‡K e¨vL¨v Ki| 3 KZ n‡e? 3
N. cwiPvjbv cl©` A_©vq‡bi †Kvb bxwZ MÖn‡Yi mycvwik K‡i‡Q? N. eÛwUi evRvig~j¨ 200 UvKv n‡j Iqvì© d¨vkb †Kv¤úvwbi wewb‡qvM
DÏxc‡Ki Av‡jv‡K Zv we‡kølY Ki| 4 wm×v‡šÍi †hŠw³KZv g~j¨vqb Ki| 4
2 †Kqv I †iLv `yB evÜex| Zviv †jLvcov †kl K‡i m¤úÖwZ GKwU cÖwZwôZ 8  Ô†bvfv †Kv¤úvwb wj.Õ Gi eë¯’vcK Kvgvj mv‡ne 'M' Ges 'N' bv‡g ci¯úi
†Kv¤úvwb‡Z PvKwi †c‡q‡Qb| fwel¨r mÂ‡qi K_v wPšÍv K‡i Zviv `yB eR©bkxj `ywU cÖK‡íi †h‡Kv‡bv GKwU‡Z A_© wewb‡qv‡Mi wPšÍv-fvebv
evÜex hgybv e¨vs‡K hvb| e¨vsK eë¯’vcK Zv‡ì e‡jb †h, mÂ‡qi Dci Ki‡Qb| Dfq cÖK‡íi cÖv_wgK wewb‡qvM 2,00,000 UvKv| †Kv¤úvwbi
eQ‡ii ïiæ‡Z I †k‡l my` MYbv Kiv nq| G‡ÿ‡Î my‡ì nv‡ii cv_©K¨ g~jab e¨q 12%| cÖKí `ywUi bM` AvšÍtcÖevn wb‡P †Ìqv n‡jv :
i‡q‡Q| †Kqv eQ‡ii ïiæ‡Z 8% my‡` Ges †iLv eQ‡ii †k‡l 10% my‡` cÖKí 1g eQi 2q eQi 3q eQi 4_© eQi 5g eQi
25,000 UvKv K‡i 10 eQi e¨vs‡K Rgv K‡ib| 'M' 66,000 60,000 1,06,000 78,000 83,000
K. my‡hvM e¨q Kx? 1 'N' 1,02,000 80,000 74,000 61,000 82,000
L. mvaviY e„wË ej‡Z Kx †evSvq? 2
K. g~jab †ikwbs Kx? 1
M. 10 eQi c‡i †Kqv KZ UvKv cv‡eb? 3
L. cÖKí g~j¨vqb ej‡Z Kx †evSvq? 2
N. †gqv` †k‡l †K †ewk UvKv cv‡eb e‡j Zzwg g‡b Ki? DÏxc‡Ki
M. 'M' cÖK‡íi cwi‡kvaKvj wbY©q Ki| 3
Av‡jv‡K we‡kølY K‡i †`LvI| 4
N. NPV-Gi wfwË‡Z Kvgvj mv‡n‡ei †Kvb cÖKíwU MÖnY Kiv DwPZ?
3 Rbve AvwRR GKRb mvaviY eëmvqx| m¤úÖwZ wZwb GKwU bZzb cÖK‡íi
e¨vL¨v `vI| 4
wewb‡qv‡Mi K_v fve‡Qb| GRb¨ wZwb Zvi eëmvqx eÜy Rbve Avj‡gi wbKU 9  myRb I meyR `yB fvB wg‡j GKwU grm¨ Lvgvi Kivi D‡`¨vM MÖnY K‡i|
n‡Z civgk© MÖnY K‡ib| wZwb Zv‡K Kvg¨ cwigvY g~jab wewb‡qv‡Mi civgk©
D³ Lvgvi Ki‡Z 15 jÿ UvKvi cÖ‡qvRb| wKšÍy Zv‡ì evev eëmvq ïiæ
†`b| wKšÍy Rbve AvwRR AwaK jv‡fi Avkvq mgy`q g~jab D³ cÖK‡í
Kivi Rb¨ 10 jÿ UvKv w`‡Z ivwR n‡jb| evwK 5 jÿ UvKv 8 eQ‡ii Rb¨
wewb‡qvM K‡ib Ges Zvi g~jab ÿwZMÖ¯Í nq| GRb¨ wZwb †ek wPwšÍZ|
gaygwZ A_ev †MvgwZ e¨vsK n‡Z FY MÖnY Ki‡Z cv‡i| gaygwZ e¨vsK
K. eëmvq ˆbwZKZv Kx? 1 evwl©K 12% Pµe„w× nvi my‡` Ges †MvgwZ e¨vsK gvwmK 10% Pµe„w× nvi
L. miKvwi I †emiKvwi A_©vq‡bi `ywU cv_©K¨ †jL| 2
my‡` †gqv` †k‡l cwi‡kv‡ai K_v e‡jb|
M. Rbve AvwRR‡K Zvi eÜy A_©vq‡bi †h bxwZ Abymi‡Yi civgk©
K. BKz¨BwU evRvi Kx? 1
w`‡qwQ‡jb Zv e¨vL¨v Ki| 3
L. AePq‡K †Kvb ai‡bi LiP ejv nq? 2
N. mgy`q g~jab wewb‡qv‡Mi †ÿ‡Î DcwiD³ bxwZi †hŠw³KZv g~j¨vqb Ki| 4
M. gaygwZ e¨vsK n‡Z FY wb‡j KZ UvKv cwi‡kva Ki‡Z n‡e? 3
4 Rbve iv‡mj GKRb wewb‡qvMKvix| wZwb Zvi mwÂZ A_© †kqvievRv‡i N. myRb I meyR †Kvb e¨vsK n‡Z FY MÖnY Ki‡j †ewk jvfevb n‡e
wewb‡qvM Ki‡Z AvMÖnx| wZwb wewb‡qv‡Mi Rb¨ wb‡¤œv³ `ywU †Kv¤úvwbi
e‡j Zzwg g‡b Ki? e¨vL¨v Ki| 4
eÛ‡K we‡ePbv Ki‡Qb :
10  wg. nvmvb †Kv¤úvwbi A_©‰bwZK Ae¯’v wPšÍv K‡i `ywU ÷‡K wewb‡qvM Kivi
eÛ AwfwnZ g~j¨ †gqv`Kvj Kzcb nvi evRvig~j¨ Av‡qi nvi wm×všÍ MÖnY Ki‡jb| wb‡¤œ ÷K `ywUi m¤¢vebv I Av‡qi nvi †Ìqv n‡jv :
'A' 1,000 UvKv 15 eQi 12% 1,180 UvKv 11% Av‡qi nvi
'B' 1,000 UvKv 12 eQi 10% 975 UvKv 10% A_©‰bwZK Ae¯’v m¤¢vebv
÷K 'P' ÷K 'Q'
K. gva¨wgK evRvi Kx? 1 g›`vfve 25% 15% 25%
L. Kzcb nvi e‡Ûi Av‡qi Ici Kx cÖfve †d‡j? 2 ¯^vfvweK 50% 20% 18%
M. 'A' e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3
Pv½v 30% 60% 28%
N. †Kvb e‡Û wewb‡qvM Ki‡j Rbve iv‡mj jvfevb n‡eb? gšÍe¨ Ki| 4
5 Rbve ingvb †cbkb †_‡K cÖvß 10,00,000 UvKv 15 eQ‡ii Rb¨ ÔcÙvÕ e¨vs‡K K. SzuwK Kx? 1
Rgv ivL‡Z Pvb| cÙv e¨vsK 10% ˆÎgvwmK Pµe„w× my` cÖ`vb K‡i| wKšÍy Rbve L. Avw_©K SzuwK Kxfv‡e m„wó nq? e¨vL¨v Ki| 2
ingv‡bi eÜy ÔhgybvÕ e¨vs‡K UvKv Rgv ivL‡Z civgk© †`b, †hLvb †_‡K 15 eQi M. ÷K 'P' I ÷K 'Q' Gi Mo gybvdvi nvi wbY©q Ki| 3
ci 4 ¸Y UvKv cv‡eb| Rbve ingv‡bi my‡hvM e¨‡qi nvi 12%| N. wg. nvmv‡bi †Kvb ÷‡K wewb‡qvM Kiv DwPZ Ges †Kb? DÏxc‡Ki
K. Ôwewa 69Õ Kx? 1 Av‡jv‡K g~j¨vqb Ki| 4
11  Rbve gvbœvb g~jab evRv‡i wewb‡qvM Ki‡Z AvMÖnx| wZwb wewb‡qvM Kivi
L. F‡Yi wKw¯Í Kxfv‡e wbY©q Kiv nq? e¨vL¨v Ki| 2
Rb¨ wb‡¤œv³ `ywU wmwKDwiwUi Z_¨ we‡ePbv Ki‡Qb :
M. Rbve ingv‡bi ÔcÙvÕ e¨vs‡K RgvK…Z A‡_©i Kvh©Ki my‡ì nvi wbY©q Ki| 3
N. Rbve ingv‡bi eÜyi civgk© MÖnY Kiv DwPZ wK bv Zv MvwYwZK cÖZ¨vwkZ Avq
m¤¢vebv
hyw³mn DËi `vI| 4 wmwKDwiwU-A wmwKDwiwU-B
6 †e½j wj. †Kv¤úvwb `xN©w`b a‡i mdjZvi mv‡_ eëmvq cwiPvjbv K‡i 0.50 25% 30%
Avm‡Q| Avw_©K msK‡Ui Kvi‡Y Drcv`b †gŠmy‡g KuvPvgvj msMÖ‡n Amyweavq 0.30 22% 35%
c‡o| †Kv¤úvwbwU AviI wKQz mvaviY †kqvi Bmyï gva¨‡g Avw_©K evRvi n‡Z 0.35 20% 28%
A_© msMÖn K‡i Zv †gvKvwejv Ki‡Z mÿg nq| wKQzw`b c‡i †Kv¤úvwbwUi K. AwbðqZv Kx? 1
eë¯’vcK eëmvq m¤úÖmvi‡Yi K_v wPšÍv K‡i| D³ m¤úÖmviY Kv‡Ri Rb¨ L. GKK SzuwK ej‡Z Kx †evS? 2
cÖvq 1 †KvwU UvKvi cÖ‡qvRb| G Rb¨ †Kv¤úvwbi eë¯’vcK †kqvievRv‡i M. ÔwmwKDwiwU-AÕ Gi Av`k© wePz¨wZ wbY©q Ki| 3
AMÖvwaKvi †kqvi Bmyï gva¨‡g A_© msMÖ‡ni wm×všÍ MÖnY K‡i‡Q| N. †Kvb wmwKDwiwU AwaK SzuwKc~Y©? MvwYwZKfv‡e we‡kølY Ki| 4
5 PÆMÖvg †evW© 2022 welq †KvW : 2 9 2

1  Rvgvj I Kvgvj `yB RbB cÖwZwôZ eëmvqx| Rbve Rvgvj ïay RvnvR fvOv N. wbU eZ©gvb g~‡jï Av‡jv‡K (NPV) D³ cÖK‡í wewb‡qvM wm×všÍ
eëmv‡q hy³ Aciw`‡K Rbve Kvgvj cyivZb RvnvR eëmvi cvkvcvwk KZUzKz hyw³hy³ e‡j Zzwg g‡b Ki? 4
Mv‡g©›Um eëmvq hy³| KviY Rbve Kvgvj g‡b K‡ib, †jvnvi eëmvq 7  wg. cik mvg&m 50,000 UvKv 'X' †Kv¤úvwbi †kqvi Ges 20,000 UvKv 'Y'
†Kv‡bv Kvi‡Y hw` ÿwZ nq Z‡e Mv‡g©›Um eëmvi gybvdvi Øviv †mB ÿwZ †Kv¤úvwbi †kqv‡i wewb‡qvM Ki‡jb| wewfbœ A_©‰bwZK Ae¯’vq †kqvi `ywUi
c~iY Kiv hv‡e| wKšÍy Rbve Rvgvj †ewk gybvdvi Avkvq me©`v bM` A_© Av‡qi nvi wb¤œiƒc :
nv‡Z Kg †i‡L †ewk wewb‡qvM K‡ib| Av‡qi nvi
A_©‰bwZK Ae¯’v m¤¢vebv
K. eëmvq A_©vqb Kx? 1 X †Kvt Y †Kvt
L. Zvij¨ ej‡Z Kx †evS? 2 g›`v Ae¯’v 0.30 13% 10%
M. Rbve Kvgvj wewb‡qv‡Mi †ÿ‡Î †Kvb bxwZ AbymiY K‡i‡Qb? e¨vL¨v Ki| 3 ¯^vfvweK Ae¯’v 0.40 12% 11%
N. Rbve Rvgv‡ji †ewk A_© wewb‡qvM Zvi eëmv‡q Kx cÖfve †dj‡Z †ZwR Ae¯’v 0.30 16% 15%
cv‡i? Zv we‡kølY Ki| 4 K. SzuwK Kx? 1
2  Rbve ingvb 5,00,000 UvKv 7 eQ‡ii Rb¨ e¨vs‡K Rgv ivL‡Z Pvb| L. SzuwKi wcÖwgqvg ej‡Z Kx †evS? 2
Ôdzj‡RvoÕ e¨vsK Zv‡K 10% nv‡i evwl©K Pµe„w× my` w`‡e| Aciw`‡K M. 'X' I 'Y' †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
ÔBQvgwZÕ e¨vsK Zv‡K 8% nv‡i gvwmK Pµe„w× my` cÖ`v‡bi cÖ¯Íve †`q| N. wg. cik mvg&‡mi cÖZ¨vwkZ Av‡qi nvi 12% n‡j †cvU©‡dvwjI
K. A‡_©i mgqg~j¨ Kx? 1 wewb‡qv‡Mi †hŠw³KZv we‡kølY Ki| 4
L. mvaviY evwl©K e„wË ej‡Z Kx †evSvq? 2 8  wg_yb GKRb wewb‡qvMKvix| Zvi wKQz A_© wZwb †kqvi evRv‡i wewb‡qvM Ki‡Z
M. †gqv` †k‡l Rbve ingvb Ôdzj‡RvoÕ e¨vsK †_‡K KZ UvKv cv‡eb? 3 Pvb| †mB D‡Ï‡k¨ wZwb †kqvi evRvi †_‡K evUv myR I †KvKv‡Kvjvi weMZ 4
N. Rbve ingv‡bi †Kvb e¨vs‡K UvKv Rgv ivLv †ewk jvfRbK n‡e? eQ‡ii gybvdv AR©‡bi Z_¨ msMÖn Ki‡jb| Z_¨¸‡jv wb‡P †Ìqv n‡jv :
e¨vL¨v Ki| 4 eQi evUv myR Av‡qi nvi †KvKv‡Kvjv Av‡qi nvi
3  Rbve nvwbd †mvbvjx e¨vsK wj. †_‡K evwl©K 12% my‡` 5,00,000 UvKv FY 1 15% 25%
†bb| AvMvgx 5 eQi cÖwZ eQ‡ii †k‡l wZwb F‡Yi wKw¯Í cwi‡kva Ki‡eb| 2 17% 7%
K. fwel¨r g~j¨ Kx? 1 3 19% 32%
L. FY m~wP ej‡Z Kx †evSvq? 2
4 21% 10%
M. Rbve nvwb‡di F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3
N. eQ‡ii ïiæ‡Z wKw¯Í cwi‡kva Ki‡j wKw¯Íi cwigv‡Yi Ici Kx cÖfve K. CAPM Kx? 1
co‡e? †m m¤ú‡K© †Zvgvi gZvgZ `vI| 4 L. SzuwK Qvov wK gybvdv AR©b m¤¢e? e¨vL¨v Ki| 2
4  my‡jLv †Kv¤úvwb evwl©K 16% Kzcb my‡` cÖwZwUi wjwLZ g~j¨ 1,000 UvKvi M. evUv myR-Gi Av`k© wePz¨wZ wbY©q Ki| 3
eÛ Bmy¨ K‡i| D³ eÛ 10 eQ‡ii Rb¨ Bmy¨ Kiv nq| †Kv¤úvwbi N. wg_y‡bi †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv mwVK n‡e? †Zvgvi
cÖ‡qvRbxq Av‡qi nvi 12%| gZvgZ †jL| 4
K. eÛ Kx? 1 9  IqvjgvU© GKwU AvšÍR©vwZK †cvkvK ißvwbKviK †Kv¤úvwb| cÖwZôvbwU
L. AMÖvwaKvi †kqvi‡K †Kb nvBweªW wmwKDwiwU ejv nq? 2 BD‡iv‡ci evRv‡i cÖ‡ek Kivi Rb¨ `xN©‡gqvw` cwiKíbv †bq| h_vh_ wbqg
M. hw` my` evwl©K wfwË‡Z cÖ`vb Kiv nq, Zvn‡j e‡Ûi eZ©gvb g~j¨ KZ n‡e? 3 †g‡b †Kv¤úvwbwU Zvi Kvh©µg cwiPvjbv K‡i| wKšÍy bZzb cwiKíbv wb‡Z
N. Aa©evwl©K wfwË‡Z my` cÖ`vb Ki‡j, e‡Ûi eZ©gvb g~‡j¨ Kx cÖfve wM‡q †Kv¤úvwbwU Avw_©K msK‡U c‡o| ZvB Zviv †kqvi weµq Kivi wm×všÍ
co‡e? we‡kølY Ki| 4 †bq|
K. A_©vqb Kx? 1
5  Rbve mv¾v` eZ©gv‡b Aem‡i wM‡q wKQz UvKv †c‡q‡Qb| GB A_© wZwb
L. m¤ú‡ì me©vwaKiY ej‡Z Kx †evS? 2
†kqvievRv‡i wewb‡qvM Ki‡Z AvMÖnx| wKšÍy wZwb †ewk SzuwK wb‡Z Pvb bv|
M. IqvjgvU© †Kv¤úvwbwUi †kqvi weµq †Kvb ai‡bi wm×všÍ? Zv e¨vL¨v Ki| 3
ZvB †kqvi evRv‡i 100 UvKvi AwfwnZ g~‡jï `ywU e‡Ûi K_v we‡ePbv
N. DÏxc‡Ki Av‡jv‡K IqvjgvU© †Kv¤úvwbi †kqvi wewµi wm×všÍwU
K‡ib| wb‡¤œ eÛ `ywUi Z_¨ cÖ`vb Kiv n‡jv :
h_v_© wKbv? †Zvgvi gZvgZ †jL| 4
eÛ Kzcb nvi evRvig~j¨ †gqv`
10  wg. ivqnvb GKRb eëmvqx| wZwb 5 eQi †gqvw` 12% Kzcb e‡Û wewb‡qv‡Mi
A 13% 119 UvKv 8 eQi wm×všÍ wb‡jb| cÖwZwU Kzcb e‡Ûi AwfwnZ g~j¨ 1,000 UvKv n‡jI eZ©gvb
B 11% 80 UvKv  evRvig~j¨ 1,150 UvKv| wg. ivqnv‡bi cÖZ¨vwkZ Av‡qi nvi 10%|
K. Rv¼ eÛ Kx? 1 K. Kzcb eÛ Kx? 1
L. †UªRvwi e‡Ûi Av‡qi nvi‡K †Kb SzuwKgy³ Av‡qi nvi ejv nq? 2 L. cÖZ¨vwkZ Av‡qi nvi wewb‡qvM wm×všÍ‡K Kxfv‡e cÖfvweZ K‡i? 2
M. 'A' e‡Ûi †gqv`c~wZ©‡Z Av‡qi nvi wbY©q Ki| 3 M. DÏxc‡Ki Av‡jv‡K e‡Ûi PjwZ Av‡qi nvi wbY©q Ki| 3
N. AšÍwb©wnZ g~‡jï wfwË‡Z Rbve mv¾v‡ì Rb¨ †Kvb e‡Û wewb‡qvM N. DÏxc‡Ki Av‡jv‡K wg. ivqnv‡bi wewb‡qvM wm×v‡šÍi †hŠw³KZv
Kiv DwPZ? e¨vL¨v Ki| 4 we‡kølY Ki| 4
6  ACL †Kv¤úvwb GKwU bZzb cÖK‡í 7,00,000 UvKv wewb‡qvM Ki‡Z Pvq| 11  RgRg †efv‡iR †Kv¤úvwb wj. Gi Kv‡Q `ywU ci¯úi eR©bkxj cÖKí 'X' I
†Kv¤úvwbi g~jab e¨q 10% Ges K‡c©v‡iU Ki nvi 40%| cÖKí †_‡K 'Y' †Z wewb‡qv‡Mi my‡hvM Av‡Q| cÖKí `ywUi bM` cÖevn wb¤œiƒc :
AvMvgx 5 eQi hver Kic~e©eZ©x bM` cÖevn wb¤œwjwLZfv‡e Avm‡e e‡j mgq 'X' UvKv 'Y' UvKv
aviYv Kiv n‡”Q| 0 (30,000) (40,000)
eQi Kic~e©eZ©x bM` cÖevn 1 12,000 25,000
1 1,40,000 UvKv 2 15,000 18,000
2 2,10,000 UvKv 3 7,000 9,000
3 3,20,000 UvKv 4 5,000 6,000
4 3,00,000 UvKv K. IRR-Gi c~Y©iƒc †jL| 1
5 2,10,000 UvKv L. †c-e¨vK wcwiqW ej‡Z Kx †evS? 2
K. g~jab ev‡RwUs Kx? 1 M. g~jab e¨q 15% a‡i cÖKí `ywUi NPV wbY©q Ki| 3
L. cÖK‡íi g~j¨vqb ej‡Z Kx †evS? 2 N. cÖKí `ywU ¯^vaxb Ges g~jab e¨q 12% n‡j Zzwg †Kvb cÖKí cQ›`
M. DÏxc‡K DwjøwLZ cÖKíwUi Mo DcvR©b nvi (ARR) wbY©q Ki| 3 Ki‡e? Zvi mc‡ÿ †Zvgvi hyw³ †`LvI| 4
6 wm‡jU †evW© 2022 welq †KvW : 2 9 2

1  Rbve ewmi Avn‡¤§` jvjcy‡i GKwU e„nr Mv‡g©›Um KviLvbv ¯’vcb eÛ AwfwnZ g~j¨ Kzcb my‡ì nvi †gqv`Kvj evRvig~j¨ (UvKv)
Ki‡jb| wZwb KviLvbvi cvk¦©eZ©x GjvKvi MÖv‡gi iv¯Ív¸‡jv cvKv M 400 12% 8 eQi 240
K‡i w`‡jb, iv¯Ívi fvOv KvjfvU© †givgZ Ki‡jb Ges iv¯Ívi N 500 10% 5 eQi 400
`yÕcv‡k e„ÿ‡ivcY Ki‡jb| KviLvbvq Kg©iZ Kg©xMY wbqwgZ K. eÛ evRvi Kx? 1
†eZb, †evbvm Ges webvg~‡j¨ wPwKrmv myweav cvIqvq Zviv gvwj‡Ki L. AMÖvwaKvi †kqvi‡nvìvi wK †Kv¤úvwbi cÖK…Z gvwjK? 2
cÖwZ mš‘ó| GjvKvi RbMY Ges KviLvbvi kÖwgK-Kg©KZ©vMY M. M e‡Ûi YTM wbY©q Ki| 3
eëmvq cÖwZôvbwUi cÖwZ A‡bK mnvbyf‚wZkxj| Rbve ewmi N. YTM Gi wfwË‡Z Rbve Avwbmyi ingv‡bi †Kvb e‡Û
Avn‡¤§‡ì eëmvq w`b w`b DbœwZ mvwaZ n‡”Q| wewb‡qvM Kiv DwPZ? MvwYwZKfv‡e e¨vL¨v Ki| 4
K. A_©vqb Kx? 1 7  `yBwU wmwKDwiwU A Ges B Gi Av‡qi nvi I m¤¢vebv wb‡P cÖ`vb Kiv n‡jv :
L. gybvdv AR©b bv K‡i wK m¤ú` me©vwaKiY Kiv hvq? 2 m¤¢vebv .25 .40 .35
M. Rbve ewmi Avn‡¤§` MÖv‡gi iv¯Ív cvKv K‡i Zvi `yB cv‡k wmwKDwiwU-A .10 .20 .15
e„ÿ‡ivcY K‡i eëmv‡qi †Kvb `vwqZ¡ cvjb K‡i‡Qb? 3 wmwKDwiwU-B .30 .10 .20
N. †Zvgvi g‡Z Rbve ewmi Avn‡¤§‡ì eëmvq w`b w`b K. cwinvi‡hvM¨ SzuwK Kx? 1
DbœwZmva‡bi KviY Kx? e¨vL¨v Ki| 4 L. Ô†cvU©‡dvwjI bxwZÕ Abymi‡Yi D‡Ïk¨ Kx? 2
2  Ôea©bKzwV wj.Õ-Gi eë¯’vcK AwaK gybvdvi Avkvq Zvi cÖwZôv‡bi M. wmwKDwiwU-A Gi Av`k© wePz¨wZ KZ? 3
mgy`q A_© GKwU bZzb cÖK‡í wewb‡qvM Ki‡jb| wKQy w`b ci N. DÏxc‡Ki †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv AwaKZi
ea©bKzwV wj. Bnvi ˆ`bw›`b LiP †gUv‡Z e¨_© n‡jv| cvIbv`viMY MÖnY‡hvM¨ n‡e? MvwYwZK e¨vL¨v `vI| 4
cvIbv A_© mgqg‡Zv bv †c‡q cÖwZôv‡bi Ici Av¯’v nviv‡jb| 8  wg‡mm mvqiv evby Zvi mwÂZ 8,00,000 UvKv e¨vs‡K Rgv ivL‡Z
cÖwZôvbwU GLb Aw¯ÍZ¡ iÿvi †Póv Ki‡Q| Pvb| iƒcmv e¨vsK wg‡mm mvqiv evby‡K 10 eQi ci 17,27,140
K. †emiKvwi A_©vqb Kx? 1 UvKv cÖ`v‡bi cÖ¯Íve w`j| Aci c‡ÿ Kzwkqviv e¨vsK 8 eQi ci
L. evwn¨K A_©vq‡bi †P‡q Af¨šÍixY A_©vqb wK DËg? 2 Zv‡K 15,94,050 UvKv cÖ`v‡bi wbðqZv w`j|
M. ea©bKzwV wj.-Gi A_© msK‡Ui KviY A_©vq‡bi †Kvb bxwZi j•Nb? 3 K. AwMÖg e„wË Kx? 1
N. ea©bKzwV wj.-Gi Aw¯ÍZ¡ iÿvi Dcvq Kx n‡Z cv‡i? gZvgZ `vI| 4 L. evÆvi nvi e„w× †c‡j wK eZ©gvb g~j¨ n«vm cvq? 2
3  Rbve b~iæj Avjg 20,00,000 UvKv cuvP eQ‡ii Rb¨ e¨vs‡K Rgv M. DÏxc‡Ki iƒcmv e¨vs‡Ki my‡ì nvi wbY©q Ki| 3
ivL‡Z Pvb| myigv e¨vsK Zv‡K 10% Pµe„w× my` cÖ`v‡bi cÖ¯Íve N. wg‡mm mvqiv evby‡K Zzwg †Kvb e¨vs‡K UvKv Rgv ivLvi
Ki‡jb| Aciw`‡K ÔcÙv e¨vsKÕ Zv‡K 8% gvwmK Pµe„w× my` civgk© w`‡e? †Zvgvi DË‡ii mc‡ÿ hyw³ `vI| 4
cÖ`v‡bi cÖ¯Íve w`j| 9  Rbve Avigvb gÐj g~jab evRvi †_‡K GKwU eÛ µq Kivi wm×všÍ
K. mij my` Kx? 1 wb‡jb| eÛwUi AwfwnZ g~j¨ 3,000 UvKv, Kzcb my‡ì nvi 14%|
L. bvwgK my` Ges Kvh©Kix my‡ì nvi Avjv`v nq †Kb? 2 †gqv`Kvj 5 eQi Ges evRvig~j¨ 3,200 UvKv| cÖZ¨vwkZ Av‡qi
M. Rbve b~iæj Avjg myigv e¨vsK †_‡K KZ UvKv cv‡eb? 3 nvi 12%|
N. Rbve b~iæj Avjg †Kvb e¨vs‡K UvKv Rgv ivL‡j AwaK K. †UªRvwi eÛ Kx? 1
jvfevb n‡eb? MvwYwZKfv‡e e¨vL¨v Ki| 4 L. GKwU eÛ KLb Awanv‡i Bmy¨ Kiv nq? 2
4  wg‡mm †Rmwgb g~jab evRv‡i wewb‡qv‡Mi Rb¨ `yBwU eÛ cQ›` M. DÏxc‡Ki eÛwUi †gqv`c~wZ©‡Z DcvR©b nvi KZ? 3
Ki‡jb| eÛ `yBwUi Z_¨ wb¤œiƒc : N. eÛwUi evRvig~ j ¨ 3,300 UvKv n‡j Rbve Avigvb gÐ‡ji wK
AwfwnZ Kzcb cÖ‡qvRbxq eÛwU µq Kiv hyw³msMZ n‡e? MvwYwZKfv‡e cÖgvY Ki| 4
†Kv¤úvwb †gqv`Kvj evRvig~j¨ 10 mvw`qv Avdwib †kqvievRv‡i wewb‡qvM Ki‡Z AvMÖnx| †kqvievRvi †_‡K
g~j¨ my‡ì nvi Av‡qi nvi
wZwb Ô÷vi dzWm&Õ Ges Ôgyb j¨v¤úÕ Gi weMZ 4 eQ‡ii gybvdv AR©‡bi
X 2,500 16% 10 eQi 2,500 12%
Z_¨ msMÖn Ki‡jb| Ô÷vi dzWm&Õ Ges Ôgyb j¨v¤úÕ Gi Z_¨ wb¤œiƒc :
Y 2,500 16%  1,350 12% eQi ÷vi dzWm& gyb j¨v¤ú
K. `xN©‡gqvw` A_©vqb Kx? 1 1 16% 26%
L. wR‡iv Kzcb e‡Û my‡ì nvi D‡jøL _v‡K wK? 2 2 18% 08%
M. X †Kv¤úvwbi e‡Ûi cÖK…Z g~j¨ KZ? 3 3 20% 30%
N. wg‡mm †Rmwgb †Kvb e‡Û wewb‡qvM K‡i jvfevb n‡eb? eY©bv Ki| 4 4 22% 12%
5  Rbve Kvjvg wewb‡qv‡Mi Rb¨ 4 eQi †gqvw` `yBwU cÖKí we‡ePbv K. CAPM Kx? 1
Ki‡Qb| cÖ‡Z¨KwU cÖK‡íiB cÖv_wgK wewb‡qvM 2,00,000 UvKv| L. AwbðqZv Ges SzuwKi g‡a¨ m¤úK© e¨vL¨v Ki| 2
cÖKí `yBwUi my` I Ki cieZ©x bM` cÖevn wb¤œiƒc : M. DÏxc‡Ki Ô÷vi dzW‡m&iÕ Av`k© wePz¨wZ wbY©q Ki| 3
eQi cÖKí-K (UvKv) cÖKí-L (UvKv) N. Ô÷vi dzWm&Õ Ges Ôgyb j¨v‡¤úiÕ g‡a¨ †Kvb cÖK‡íi SzuwK Kg?
1 55,000 95,000 MvwYwZKfv‡e e¨vL¨v Ki| 4
2 70,000 85,000 11  Ô†Mvwe›`MÄ wj.Õ Gi `yBwU cÖK‡íi weMZ 4 eQ‡ii Av‡qi
3 75,000 40,000 weeiY wb‡P †Ìqv n‡jv :
4 1,00,000 90,000 eQi 1 2 3 4
K. g~jab ev‡RwUs Kx? 1 cÖ K í-K 12 14 2 16
L. †Kvb evÆvi nv‡i bM` cÖevn‡K evÆv Ki‡j wbU eZ©gvb g~j¨ k~b¨ nq? 2 cÖKí-L 10 24 12 6
M. cÖKí-K Gi cwi‡kvaKvj KZ? 3 K. SzuwK Kx? 1
N. Rbve Kvjv‡gi †Kvb cÖK‡í wewb‡qvM Kiv DwPZ e‡j Zzwg L. eëmvwqK SzuwK wK cwinvi Kiv hvq? 2
g‡b Ki? hyw³mn e¨vL¨v Ki| 4 M. cÖKí-K Gi cwiwgZ eëavb wbY©q Ki| 3
6  Rbve Avwbmyi ingvb GKRb bZzb eëmvqx| wZwb wb¤œ DwjøwLZ N. DÏxc‡Ki †Kvb cÖK‡í wewb‡qvM Kiv wbivc`? MvwYwZKfv‡e
`yBwU e‡Ûi GKwU‡Z A_© wewb‡qvM Ki‡Z AvMÖnx : we‡kølY Ki| 4
7 ewikvj †evW© 2022 welq †KvW : 2 9 2

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†kqv‡ii evRvig~j¨ MZ eQ‡ii Zzjbvq e„w× †c‡q‡Q| 7  †KvqvwjwU wmivwgKm& wj. Drcv`b e„w×i j‡ÿ¨ GKwU bZzb cø¨v›U ¯’vc‡b AvMÖnx|
K. eëmvq A_©vqb Kx? 1 †Kv¤úvwbwUi Avw_©K eë¯’vcK e¨vsK F‡Yi gva¨‡g A_©vq‡bi civgk© cÖ`vb
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M. DÏxc‡K DwjøwLZ 'XYZ' †Kv¤úvwbi eë¯’vc‡Ki wm×všÍ A_©vq‡bi Ges AwaK bgbxq| cÿvšÍ‡i cÖwZôvbwUi cwiPvjbv cl©` Ggb Drm †_‡K
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cv‡i? we‡kølY Ki| 4 K. g~jab ev‡RwUs Kx? 1
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cvwievwiK mÂqc‡Î wewb‡qvM Kiv| †hLvb †_‡K wZwb gvwmK 35,000 N. hw` evÆvi nvi 10% nq Zvn‡j cÖKíwU‡Z wewb‡qvM hyw³hy³ wKbv
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†diZ cv‡eb| wØZxq weKíwU n‡jv †mvbvjx e¨vs‡K 5 eQi †gqvw` ¯’vqx 9  wgivKj BÛvw÷ªR wj. Gi wbKU MÖnY Kivi Rb¨ `ywU wewb‡qvM cÖKí Av‡Q|
Avgvb‡Z wewb‡qvM Kiv †hLvb †_‡K wZwb 5 eQi ci GK‡Î 70,00,000 cÖKí `ywUi bM` cÖevn wb‡¤œ †Ìqv n‡jv :
UvKv cv‡eb| Zvi my‡hvM e¨q 9%| eQi cÖKí 'X' cÖKí 'Y'
K. A‡_©i mgqg~j¨ Kx? 1 0 (1,00,000) (1,00,000)
L. eZ©gv‡bi bM` A_© cQ‡›ì KviY¸‡jv Kx Kx? 2 1 30,000 50,000
M. DÏxc‡K DwjøwLZ mÂqcÎ n‡Z cÖvß gybvdvi eZ©gvb g~j¨ KZ? 3 2 40,000 50,000
N. wg‡mm mylgvi †Kvb weKíwU MÖnY Kiv DwPZ? †Kb? 4 3 30,000 50,000
4 Rbve kwidzj GKwU †emiKvwi cÖwZôv‡b Kg©iZ| Awd‡m hvZvqv‡Zi Rb¨ 4 60,000 50,000
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Ki‡Qb| GRb¨ wZwb Znwej mÂ‡qi `ywU weK‡íi K_v fve‡Qb| cÖ_g K. Af¨šÍixY Av‡qi nvi Kx? 1
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n‡jv 1,00,000 UvKv eZ©gv‡b GKKvjxb e¨vs‡K Mw”QZ ivLv †hLvb †_‡K M. DÏxc‡K DwjøwLZ cÖKí-X Gi g~jab †diZKvj wbY©q Ki| 3
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L. KLb Kvh©Kix ev cÖK…Z my‡ì nvi bvwgK my‡ì nv‡ii mgvb nq? e¨vL¨v Ki| 2 10  wb‡¤œ `ywU cÖK‡íi cÖZ¨vwkZ Avq I m¤¢vebv †`qv n‡jv :
M. cÖ_g weKí Abyhvqx kwidz‡ji gvwmK mÂ‡qi cwigvY KZ? 3 cÖZ¨vwkZ Avq (%)
N. Rbve kwidz‡ji †Kvb weKíwU MÖnY Kiv DwPZ? MvwYwZK we‡køl‡Yi m¤¢vebv (Pi)
cÖKí-ÔKÕ cÖKí-ÔLÕ
gva¨‡g e¨vL¨v Ki| 4 0.25 15
15
5 Rbve Avkivdzj GKwU eûRvwZK †Kv¤úvwbi Kg©KZ©v| †Kv¤úvwb Zvi
0.30 10 20
Avevm‡bi Rb¨ ¯^íg~‡j¨ GKwU d¬¨vU cÖ`v‡b AvMÖnx| †Kv¤úvwb Zv‡K `ywU
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mgvb evwl©K wKw¯Í‡Z 10 eQ‡i cwi‡kva Kiv| wØZxqwU n‡jv 10,00,000 K. eëmvwqK SzuwK Kx? 1
UvKv bM` cwi‡kva K‡i Aewkó A‡_©i Rb¨ 2,50,000 UvKv evwl©K wKw¯Í L. SzuwK I Av‡qi nv‡ii m¤úK© e¨vL¨v Ki| 2
10 eQi cwi‡kva Kiv| Avkivdz‡ji my‡hvM e¨‡qi nvi 8%| M. cÖKí ÔKÕ Gi Av`k© wePz¨wZ wbY©q Ki| 3
K. evÆvKiY Kx? 1 N. cÖKíØ‡qi Zzjbvg~jK SzuwKi gvÎv we‡ePbvq †Kvb cÖK‡í wewb‡qvM
L. mvaviY evwl©K e„wËi g~j¨ †_‡K AwMÖg evwl©K e„wËi g~j¨ †ewk nq †Kb? 2 hyw³hy³ n‡e? 4
M. cÖ_g weKí Abyhvqx evwl©K wKw¯Íi eZ©gvb g~j¨ KZ? 3 11  †Kvqv›Uvg wmwKDwiwUR cyuwRevRv‡i wewb‡qvMKvix GKwU cÖwZôvb| cÖwZôvbwUi
N. Rbve Avkivdz‡ji †Kvb weKíwU MÖnY Kiv DwPZ Ges †Kb? †cvU©‡dvwjI g¨v‡bRvi wewb‡qv‡Mi Rb¨ wb‡¤œv³ `ywU wmwKDwiwUR wPwýZ
MvwYwZK we‡køl‡Yi gva¨‡g DËi `vI| 4 K‡i‡Qb Ges SzuwK I Av‡qi nvi m¤úwK©Z wb‡¤œv³ Z_¨ Dc¯’vcb K‡i‡Qb :
6 Rbve Avmjvg †nv‡mb GKwU A‡Uv‡gwUK ivBm wg‡ji gvwjK| wZwb SzuwK wmwKDwiwUR cÖZ¨vwkZ Avq Av`k© wePz¨wZ weUv ()
n«vmK‡í wewb‡qvM eûgyLxKiY Ki‡Z AvMÖnx| GRb¨ wZwb gva¨wgK evRv‡i A 12% 8% 2
10,00,000 UvKv wewb‡qv‡M AvMÖnx| wewfbœ wewb‡qvM weKí m¤ú‡K© Z_¨ B 18% 10% 3
msMÖn K‡i wZwb 9% Kzcb †i‡U 5 eQi †gqvw` 5,000 wjwLZ g~‡jï e‡Û SzuwKgy³ Av‡qi nvi 6% Ges evRvi Av‡qi nvi 14%|
wewb‡qvM Ki‡jb| Zv‡K eÛ¸‡jv eZ©gvb evRvig~j¨ 5,500 UvKvq wKb‡Z K. †cvU©‡dvwjI Kx? 1
n‡jv| Zvi cÖZ¨vwkZ Av‡qi nvi 8%| L. cÖ‡qvRbxq Av‡qi nv‡ii Ici weUvi cÖfve e¨vL¨v Ki| 2
K. k~b¨ Kzcb eÛ Kx? 1 M. DÏxc‡K DwjøwLZ wmwKDwiwUR `ywUi cÖ‡qvRbxq Av‡qi nvi wbY©q Ki| 3
L. gva¨wgK evRvi ej‡Z Kx †evSvq? 2 N. †Kvqv›Uvg wmwKDwiwU‡Ri wewb‡qvM wm×všÍ wK nIqv DwPZ? e¨vL¨v Ki| 4
8 w`bvRcyi †evW© 2022 welq †KvW : 2 9 2

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GKwU bZzb †gwkb µq Kij| 2019-20 A_©eQ‡i †Kv¤úvwb 10,00,000 cwi‡kvwaZ my‡ì cwigvY µgvš^‡q n«vm cv‡eÓ FY cwi‡kva m~wP
UvKv gybvdv AR©b Kij| cwiPvjbv cl©‡ì wm×všÍ Abyhvqx mgy`q gybvdv cÖ¯Íy‡Zi wfwË‡Z gZvgZ `vI| 4
†kqvi‡nvìvi‡ì g‡a¨ †kqvi Abycv‡Z eÈb Kij| wKšÍy 2020-21 7  Rbve gvgyb †mvbvjx e¨vs‡K wZb eQi c~‡e© wØ¸Y nevi k‡Z© 50,000 UvKv
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L. GKwU †Kv¤úvwb Kxfv‡e Zvi mvgvwRK `vwqZ¡ cvjb Ki‡Z cv‡i? e¨vL¨v Ki| 2 ¯¿x D³ UvKv w`‡q Rwg µ‡qi civgk© †`b †hwUi g~j¨ AvMvgx 5 eQi ci
M. DÏxc‡K ˆPwZ wjwg‡UW KZ…©K bZzb †gwkb µq A_©vq‡bi †Kvb 60,000 UvKv e„w× cv‡e|
Kvh©vewji AšÍfz©³? e¨vL¨v Ki| 3 K. Kvh©Kix my‡ì nvi Kx? 1
N. DÏxc‡K ˆPwZ wjwg‡UW KuvPvgvj µq Ki‡Z wM‡q †h mgm¨vq c‡o‡Q L. A‡_©i mgqg~j¨ aviYv †Kb eënvi Kiv nq? e¨vL¨v Ki| 2
A_©vq‡bi bxwZgvjvi Av‡jv‡K †mwUi KviY we‡kølY Ki| 4 M. DÏxc‡K †mvbvjx e¨vs‡Ki my‡ì nvi wbY©q Ki| 3
2  ev‡qwR` Mv‡g©›Um wjwg‡UW 2020 mv‡j 20,00,000 UvKv wewb‡qvM K‡i| N. DÏxc‡K Rbve gvgy‡bi †Kvb †ÿ‡Î wewb‡qvM Kiv DwPZ n‡e e‡j
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gybvdv AR©‡bi Avkvq †Kv¤úvwb gybvdvi meUzKz †ew· dvg©vi †kqv‡i wewb‡qvM 8  AešÍx wjwg‡U‡Wi wbKU `ywU ¯^vaxb wewb‡qvM cÖKí Av‡Q| cÖwZwU cÖK‡íi cÖv_wgK
K‡ib Ges ÿwZi m¤§yLxb nb| Ab¨w`‡K, ev‡qwR` †Kv¤úvwbi cwiPvjK wewb‡qvM 10,000 UvKv| cÖKí `ywUi wbU bM` AvšÍtcÖevn wb‡P †Ìqv n‡jv :
miKvi‡K †ewk Ki cÖ`vb Kivi D‡Ï‡k¨ e¨q wbqš¿Y Ki‡Z Pvb Ges GRb¨ wbU bM` AvšÍtcÖevn
Kg g~‡jï KuvPvgvj µq K‡ib| †Kv¤úvwbi EaŸ©Zb Kg©KZ©vMY I cÖKí
eQi-1 eQi-2 eQi-3
†kqvi‡nvìviMY dv‡g©i wbU m¤úwË evov‡bvi Rb¨ mycvwik K‡ib wKšÍy dv‡g©i cÖKí-K 4,000 4,000 4,000
cwiPvjK evRv‡i c‡Yï Pvwn`v evwo‡q †gvU weµqg~j¨ evov‡Z mÿg nb| cÖKí-L 6,500 4,000 3,000
K. miKvwi A_©vqb Kx? 1
L. PjwZ m¤úwË eë¯’vcbv ej‡Z Kx †evSvq? 2 AešÍx wj. Gi g~jab e¨q 10%|
M. ev‡qwR` wjwg‡UW A_©vq‡bi †Kvb bxwZ AbymiY bv Kivq ÿwZi K. g~jab ev‡RwUs Kx? 1
m¤§yLxb nq? e¨vL¨v Ki| 3 L. wbU eZ©gvb g~‡jï gva¨‡g Kxfv‡e wewb‡qvM wm×všÍ MÖnY Kiv nq?
N. ev‡qwR` wjwg‡U‡Wi cwiPvjK †h jÿ¨ AR©b Ki‡Z †P‡q‡Qb Zv e¨vL¨v Ki| 2
eë¯’vcbv I †kqvi †nvìvi‡ì Rb¨ h_v_© wKbv? we‡kølY Ki| 4 M. DÏxc‡K cÖKí-K Gi †c-e¨vK mgq wbY©q Ki| 3
3  eKzj wjwg‡UW GKwU Kvco isKvix cÖwZôvb| Kvco isKi‡Y eën„Z N. DÏxc‡K DwjøwLZ cÖKíØ‡qi wbU eZ©gvb g~‡jï wfwË‡Z AešÍx
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cwi‡e‡ki K_v wPšÍv K‡i IqvUvi wUªU‡g›U cø¨v›U ¯’vc‡bi wm×všÍ MÖnY K‡i| 9  Rbve gvmyg †gNbv †Kv¤úvwbi Avw_©K eë¯’vcK| Zvi nv‡Z `ywU ¯^vaxb wewb‡qvM
GRb¨ Zv‡ì 15 †KvwU UvKv cÖ‡qvRb| cÖwZôvbwU g~jab msMÖ‡ni Rb¨ cÖKí Ges wewb‡qv‡Mi Rb¨ 2,50,000 UvKv i‡q‡Q| cÖwZwU cÖK‡íi cÖv_wgK
Ggb Dr‡mi K_v we‡ePbv Ki‡Q †hLvb †_‡K Ki myweav cvIqv hv‡e Ges wewb‡qvM 1,25,000 UvKv| †Kv¤úvwbi eë¯’vcbv KZ…©K wba©vwiZ m‡e©v”P †c-e¨vK
g~jab mieivnKvwiMY †Kv¤úvwbi cÖK…Z gvwjK n‡Z cvi‡e bv| mgq 4 eQi| Dfq cÖK‡íi wbU bM` AvšÍtcÖevn wb‡P †Ìqv n‡jv :
K. m¤ú` m‡e©v”PKiY Kx? 1 cÖKí wbU bM` AvšÍtcÖevn
L. †Kvb bxwZi gva¨‡g GKwU cÖK‡íi mvdj¨ Ab¨ cÖK‡íi e¨_©Zvi eQi-1 eQi-2 eQi-3 eQi-4 eQi-5
mv‡_ mgš^q Kiv hvq? e¨vL¨v Ki| 2 cÖKí-K 52,000 48,000 32,000 40,000 20,000
M. eKzj wjwg‡UW †Kvb ai‡bi g~jab msMÖ‡ni K_v we‡ePbv Ki‡Q? e¨vL¨v Ki| 3 cÖKí-L 55,000 35,000 20,000 30,000 12,000
N. DÏxc‡K DwjøwLZ cÖK‡íi wewb‡qvMwU A_©vq‡bi †Kvb aviYvi mv‡_ Rbve gvmyg cÖKí g~j¨vqb I wewb‡qvM wm×všÍ MÖn‡Y †c-e¨vK mgq eënvi
m¤úK©h³ y Ges †Kb? g~j¨vqb Ki| 4 K‡ib| K-cÖK‡íi †c-e¨vK mgq 2.78 eQi| evÆvi nvi 12%|
4  MÖxb‡UK wj. 1,000 UvKv AwfwnZ g~‡jï 5 eQi †gqvw` eÛ 550 UvKvq K. IRR Kx? 1
weµq K‡i| Rbve ivqnvb MÖxb‡UK wj. Gi 100wU e‡Û wewb‡qvM K‡ib| L. g~jab †ikwbs †Kb Kiv nq? e¨vL¨v Ki| 2
Zvi cÖZ¨vwkZ Av‡qi nvi 12%| M. DÏxc‡Ki cÖKí-K Gi wbU eZ©gvb g~j¨ wbY©q Ki| 3
K. `xN©‡gqvw` A_©vqb Kx? 1 N. DÏxc‡K Rbve gvmy‡gi wewb‡qvM wm×všÍ mycvwik Ki| 4
L. wR‡iv Kzcb eÛ n‡Z GKRb wewb‡qvMKvix Kxfv‡e Avq †c‡q _v‡Kb? 2 10  kÖvešÍx wjwg‡U‡Wi Avw_©K eë¯’vcK Rbve cik evRvi n‡Z ÷K-A I
M. DÏxc‡K MÖxb‡UK wj. Gi eÛ¸‡jv †Kvb ai‡bi eÛ? e¨vL¨v Ki| 3 ÷K-B m¤ú‡K© wb‡¤œv³ Z_¨mg~n msMÖn K‡i‡Qb :
N. DÏxc‡K DwjøwLZ e‡Ûi AšÍwb©wnZ g~‡jï wfwË‡Z Rbve ivqnv‡bi A_©‰bwZK Ae¯’v m¤¢vebv web¨vm Av‡qi nvi
wewb‡qvM wm×všÍwU g~j¨vqb Ki| 4 ÷K-A ÷K-B
5  Bgb GKRb wkwÿZ hyeK| Zvi g~jab evRvi m¤ú‡K© †gvUvgywU aviYv fv‡jv 20% 25% 20%
Av‡Q| wZwb 10% Kzcb my‡ì nv‡i 1,000 UvKv AwfwnZ g~‡jï AvRxeb ¯^vfvweK 50% 30% 40%
†gqvw` GKwU e‡Û wewb‡qvM K‡i‡Qb| wZwb AviI GKwU e‡Û wewb‡qv‡Mi Lvivc 30% 15% 10%
wPšÍv Ki‡Qb| kvcjv wj. evRv‡i 5 eQi †gqvw` eÛ Bmy¨ K‡i‡Q hvi K. SzuwK Kx? 1
AwfwnZ g~j¨ 1,000 UvKv Ges Kzcb my‡ì nvi 12%| eÛwUi eZ©gvb L. Avq I SzuwKi g‡a¨ Kx ai‡bi m¤úK© we`¨gvb? e¨vL¨v Ki| 2
evRvig~j¨ 850 UvKv| Ab¨w`‡K ¯‹qvi wj. 10 eQi †gqvw` wR‡iv Kzcb eÛ M. DÏxc‡K ÷K-A Gi Av`k© wePz¨wZ wbY©q Ki| 3
Bmy¨ K‡i‡Q hvi AwfwnZ g~j¨ 1,000 UvKv Ges evRvig~j¨ 400 UvKv| N. DÏxc‡Ki †Kvb ÷KwU‡Z wewb‡qvM Kiv AwaK hyw³hy³ n‡e?
Bg‡bi cÖZ¨vwkZ Av‡qi nvi 14%| we‡f`v¼ (CV) wbY©qc~e©K †Zvgvi gZvgZ `vI| 4
K. wR‡iv Kzcb eÛ Kx? 1 11  wgRvb †KwgK¨vj †Kv¤úvwb `ywU ÷‡Ki †h‡Kv‡bv GKwU‡Z wewb‡qvM Ki‡Z
L. AMÖvwaKvi ÷K‡K ÔnvBweªW ÷KÕ ejv nq †Kb? e¨vL¨v Ki| 2 Pvb| A_©‰bwZK Ae¯’v I m¤¢vebvi cwigvY wb‡P †Ìqv n‡jv :
M. DÏxc‡K Bgb †h e‡Û wewb‡qvM K‡i‡Q Zvi g~j¨ wbY©q Ki| 3 A_©‰bwZK Av‡qi nvi
N. DÏxc‡K Bg‡bi †Kvb e‡Û wewb‡qvM Kiv DwPZ? e‡Ûi g~j¨ m¤¢vebv web¨vm
Ae¯’v ÷K-A ÷K-B
wbY©qc~e©K gZvgZ `vI| 4
6  Rbve Avj Avwgb Rym cÖ¯‘ZKiY eëmv‡qi Rb¨ 20 jÿ UvKv cÖ‡qvRb| †ZwR Ae¯’v 0.40 12% 16%
wZwb wbR¯^ Znwej †_‡K 13 jÿ UvKv I Aewkó A_© Kg©ms¯’vb e¨vsK g›`v Ae¯’v 0.30 10% 5%
†_‡K 11% nv‡i 3 eQ‡ii Rb¨ FY MÖnY Kivi wm×všÍ †bb| Kg©ms¯’vb ¯^vfvweK Ae¯’v 0.30 11% 14%
e¨vsK cÖwZ eQ‡ii ïiæ‡Z A_ev †k‡l wKw¯Í wb‡q _v‡K| Rbve Avj Avwgb ÷K-A Gi cÖZ¨vwkZ Av‡qi nvi 11.1% Ges ÷K-B Gi cÖZ¨vwkZ Av‡qi
†Kvb Dcv‡q wKw¯Í cÖ`vb Ki‡eb Zv wb‡q wPwšÍZ| D‡jøL¨ †h, cÖwZ eQ‡ii nvi 9.1%| Ab¨w`‡K wdwb· †Kv¤úvwbi weUvi gvb 1.8| evRvi Av‡qi nvi
†k‡l wKw¯Íi cwigvY 2,86,885 UvKv| 15% Ges †UªRvwi we‡ji Av‡qi nvi 6%|
K. evÆvKiY Kx? 1 K. Avw_©K SzuwK Kx? 1
L. Pµe„w×i msL¨v evo‡j Kvh©Kix my‡ì nv‡ii Ici Kx cÖfve co‡e? L. evRvi SzuwK‡K cwinvi Kiv hvq bv †Kb? e¨vL¨v Ki| 2
e¨vL¨v Ki| 2 M. wdwb· †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
M. DÏxc‡K Rbve Avj Avwgb eQ‡ii ïiæ‡Z wKw¯Í cÖ`vb Ki‡j, N. wgRvb †KwgK¨v‡ji †Kvb ÷‡K wewb‡qvM Kiv DwPZ? MvwYwZK
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9 gqgbwmsn †evW© 2022 welq †KvW : 2 9 2

1  Rbve AvKvk Ges Rbve ˆmKZ `yÕRb cvBKvwi we‡µZv| Rbve AvKvk ïay eÛ Kzcb my‡ì nvi evRvig~j¨ (UvKv) †gqv`
eB‡qi eëmvq K‡ib| Ab¨w`‡K Rbve ˆmKZ eB‡qi cvkvcvwk †gvevBj X 10% 110 8 eQi
†dv‡bi eëmvq K‡ib| †Kbbv ˆmKZ g‡b K‡ib †Kv‡bv GKwU eëmvq Y 8% 70 
ÿwZ n‡j Ab¨wU †_‡K gybvdv AR©b Kiv hv‡e| Rbve AvKvk AwaK
D‡jøL¨, Rbve Avãyi ingv‡bi cÖZ¨vwkZ Av‡qi nvi 10%|
gybvdvi cÖZ¨vkvq me©`v bM` A_© nv‡Z Kg †i‡L †ewk wewb‡qvM K‡ib|
K. YTM-Gi c~Y©iƒc †jL| 1
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L. Zvij¨ ej‡Z Kx †evSvq? 2 L. Bì Uz Kj (YTC) ej‡Z Kx †evS? 2
M. Rbve ˆmKZ A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? e¨vL¨v Ki| 3 M. X e‡Ûi †gqv`c~wZ©‡Z Av‡qi nvi wbY©q Ki| 3
N. Rbve AvKv‡ki AwaK A_© wewb‡qvM Zvi eëmv‡q Kx cÖfve †dj‡Z N. AšÍwb©wnZ g~‡jï wfwË‡Z Rbve Avãyi ingv‡bi †Kvb e‡Û wewb‡qvM
cv‡i? we‡kølY Ki| 4 Kiv DwPZ? we‡kølY Ki| 4
2  Avnv` Ges Avex` `yÕRb Nwbô eÜy| Zviv Df‡qB Zv‡ì Rgv‡bv UvKv w`‡q 8  c~wY©gv †Kv¤úvwb GKwU bZzb cÖK‡í wewb‡qv‡Mi wPšÍv Ki‡Q| GB cÖKí
eëmvq Kivi wm×všÍ wbj| Avnv` Zvi cyuwR w`‡q cÖwZgY 1,000 UvKv `‡i ev¯Íevq‡b 2,50,000 UvKv e¨‡q GKwU †gwkb msMÖn Kiv n‡e| †gwkbwUi
1,000 gY avb µq K‡i gRy` Kij| Ab¨w`‡K Avex` Zvi cyuwR w`‡q cÖwZgY AvbygvwbK Avqy®‹vj 5 eQi Ges Gi †Kv‡bv Aewkó g~j¨ _vK‡e bv|
1,500 UvKv `‡i 500 gY mwilv Ges 1,000 UvKv `‡i 500 gY avb µq †Kv¤úvwbi Ki nvi 55%| †Kv¤úvwbi 5 eQ‡ii Kic~e© bM` cÖevn wb¤œiƒc :
K‡i gRy` Kij| cieZ©x‡Z av‡bi `vg K‡g hvIqvq Avnv` eëmv‡q ÿwZMÖ¯Í eQi Kic~e© bM` cÖevn (UvKv)
nq| wKšÍy mwilvi `vg e„w× cvIqvq Avex` eëmv‡q gybvdv AR©‡b mÿg nq| 1 50,000
K. ¯^í‡gqvw` A_©vqb Kx? 1 2 55,000
L. †cvU©‡dvwjI ej‡Z Kx †evSvq? 2 3 70,000
M. Avnv` eëmv‡q †Kb ÿwZMÖ¯Í nq? e¨vL¨v Ki| 3 4 75,000
N. Avex‡ì eëmv‡q mdjZvi KviY we‡kølY Ki| 4
5 1,25,000
3  wg. ivMxe GKwU Mvwo µq Ki‡Z Pvb| hvi µqg~j¨ eve` DËiv †gvUim
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UvKv, 10,00,000 Ges 30,00,000 UvKv A_ev cÖwZ eQi 10,00,000 L. AvšÍtAvq nvi Kxfv‡e wbY©q Kiv nq? e¨vL¨v Ki| 2
UvKv K‡i AvMvgx 12 eQi cwi‡kva Ki‡Z n‡e| wg. ivMx‡ei cÖZ¨vwkZ M. cÖKíwUi cwi‡kva mgqKvj (PBP) KZ? 3
Av‡qi nvi 12%| N. g~jab e¨q 12% n‡j cÖKíwUi wbU eZ©gvb g~j¨ Ges Mo DcvR©b
K. evwl©K e„wË Kx? 1 nvi (ARR) wbY©q Ki| 4
L. fwel¨r g~j¨ ej‡Z Kx †evS? 2 9  gyb †Kv¤úvwb wjwg‡UW Pvi eQi †gqvw` GKwU cÖK‡í wewb‡qvM wm×všÍ wb‡Z
M. wg. ivMx‡ei Pvi eQi †gqvw` cÖK‡íi eZ©gvb g~j¨ wbY©q Ki| 3 Pvq| †hLv‡b cÖv_wgK wewb‡qv‡Mi cwigvY n‡e 2,00,000 UvKv Ges bM`
N. wg. ivMxe Kxfv‡e Mvwo µq Ki‡j jvfevb n‡eb? MvwYwZKfv‡e AvšÍtcÖevnmg~n h_vµ‡g 60,000, 70,000, 80,000 Ges 76,000
e¨vL¨v Ki| 4 UvKv| evÆvi nvi 10%|
4  Rbve Av`bvb GKwU miKvwi cÖwZôv‡bi Kg©KZ©v wQ‡jb| wZwb PvKwi †_‡K K. g~jab ev‡RwUs Kx? 1
Aemi MÖn‡Yi c~‡e©B g„ZzëiY K‡ib| Zvi ¯¿x wg‡mm Zvwbqv ¯^vgxi L. Òg~jab ev‡RwUs cÖwZôv‡bi gybvdv AR©b ÿgZv e„w× K‡iÓ e¨vL¨v Ki| 2
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eQ‡ii Rb¨ Rgv ivLvi wm×všÍ †bb| Zvi Kv‡Q `yÕwU weKí cÖ¯Íve i‡q‡Q| N. Af¨šÍixY Av‡qi nv‡ii (IRR) wfwË‡Z gyb †Kv¤úvwbi wewb‡qvM
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Zv‡K 10% nv‡i gvwmK Pµe„w× my` w`‡e|
10  Rbve Avãym mvjvg wewb‡qvM Kivi Rb¨ wb‡Pi `yÕwU wmwKDwiwUi Z_¨
K. Pµe„w× Kx? 1
we‡ePbv Ki‡Qb :
L. evwl©K e„wË ej‡Z Kx †evS? 2
M. †gqv` †k‡l wg‡mm Zvwbqv Ôhgybv e¨vsKÕ †_‡K KZ UvKv cv‡eb? Zv cÖZ¨vwkZ Avq
m¤¢vebv
wbY©q Ki| 3 wmwKDwiwU-X wmwKDwiwU-Y
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we‡kølY Ki| 4 0.10 10% 17.5%
5  Zvwgg Ô†mvbvi evsjv e¨vsKÕ wjwg‡UW †_‡K 2,00,000 UvKv FY MÖnY K‡i‡Q| 0.20 9% 16.0%
Zv‡K evwl©K 10% my`mn mgvb 5wU wKw¯Í‡Z D³ UvKv cwi‡kva Ki‡Z n‡e| K. †cvU©‡dvwjI Kx? 1
K. Ôwewa 69Õ Kx? 1 L. Avq I SzuwKi g‡a¨ Kx ai‡bi m¤úK© we`¨gvb? e¨vL¨v Ki| 2
L. mvaviY A¨vbyBwUi fwel¨r g~j¨ Kxfv‡e wbY©q Kiv nq? 2 M. wmwKDwiwU-X Gi Av`k© wePz¨wZ wbY©q Ki| 3
M. Rbve Zvwgg‡K cÖwZ wKw¯Í‡Z KZ UvKv cwi‡kva Ki‡Z n‡e? wbY©q Ki| 3 N. ÒwmwKDwiwU-Y AwaK SzuwKc~Y©Ó MvwYwZKfv‡e we‡kølY Ki| 4
N. DÏxc‡Ki Z_¨ †_‡K GKwU FY cwi‡kva ZvwjKv cÖ¯‘Z Ki| 4 11  KY©dzjx wjwg‡UW 3,00,000 UvKv 'X' †Kv¤úvwbi †kqvi Ges 2,00,000
6  XYZ †Kv¤úvwbi 25,00,000 UvKvi `xN©‡gqvw` g~ja‡bi cÖ‡qvRb nIqvq UvKv 'Y' †Kv¤úvwbi †kqv‡i wewb‡qvM Ki‡jb| wewfbœ A_©‰bwZK Ae¯’vq
12% Kzcb my‡ì nv‡i 5,000 UvKv AwfwnZ g~‡jï 500wU eÛ 10 eQ‡ii
†kqvi `yÕwUi Av‡qi nvi wb¤œiƒc :
Rb¨ weµ‡qi wm×všÍ †bq| D‡jøL¨, wewb‡qvMKvix‡ì cÖZ¨vwkZ Av‡qi nvi
A_©‰bwZK Av‡qi nvi
14%| Ab¨w`‡K evRv‡i my‡ì nvi n«vm cvIqvq A‡bK †ewk wewb‡qvMKvix m¤¢vebv
eÛ †Kbvi Rb¨ e¨¯Í n‡q co‡jb| Ae¯’v X-†Kv¤úvwb Y-†Kv¤úvwb
K. Kzcb †iU Kx? 1 g›`v Ae¯’v 0.30 13% 10%
L. KLb e‡Ûi evRvig~j¨ AwfwnZ g~‡jï mgvb nq? e¨vL¨v Ki| 2 ¯^vfvweK Ae¯’v 0.40 12% 11%
M. DÏxc‡Ki Av‡jv‡K XYZ †Kv¤úvwbi e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3 †ZwR Ae¯’v 0.30 16% 15%
N. evRv‡i my‡ì nvi n«vm †c‡j †Kv¤úvwbi e‡Ûi weµqg~‡jï Ici Kx K. CAPM Kx? 1
ai‡bi cÖfve co‡e? †Zvgvi gZvgZ `vI| 4 L. Avw_©K SzuwK Kxfv‡e m„wó nq? e¨vL¨v Ki| 2
7  Rbve Avãyi ingvb Zvi e¨vs‡K mÂqK…Z A_© wewb‡qvM Ki‡Z PvB‡jb| M. 'X' I 'Y' †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
wZwb eÛ evRvi AbymÜvb K‡i 100 UvKv AwfwnZ g~‡jï `ywU eÛ †`L‡Z N. KY©dzjx wjwg‡U‡Wi cÖZ¨vwkZ Av‡qi nvi 12% n‡j †cvU©‡dvwjI
†c‡jb| eÛ `yÕwUi Z_¨ wb¤œiƒc : wewb‡qv‡Mi †hŠw³KZv we‡kølY Ki| 4
10 XvKv †evW© 2021 welq †KvW : 2 9 2

[`ªóe¨ : Wvb cv‡ki msL¨v cÖ‡kœi c~Y©gvb ÁvcK| wb‡Pi DÏxcK¸‡jv co Ges mswkøó cÖkœ¸‡jvi DËi `vI| †h‡Kv‡bv mvZwU cÖ‡kœi DËi `vI|]
1  KY©dzjx †Kv¤úvwb wj. GKwU †cvkvK cÖ¯‘ZKvix cÖwZôvb| cÖwZôvbwU K. wgkÖ bM` cÖevn Kx? 1
eywoM½v b`xi Zx‡i Aew¯’Z| cÖwZôvbwUi eR¨© I `~wlZ cvwb b`x‡Z L. evÆvKiY c×wZ I Pµe„w×KiY c×wZi g‡a¨ wK †Kv‡bv
covq cvwb, evqy I gvwU `~wlZ n‡q cwi‡e‡ki ÿwZ Ki‡Q| cwi‡ek m¤úK© Av‡Q? e¨vL¨v Ki| 2
iÿvi Rb¨ cÖwZôvbwUi KZ…©cÿ GKwU cvwb cwi‡kvab hš¿ µq Kivi M. DÏxc‡Ki Av‡jv‡K cÙ e¨vs‡Ki my‡ì nvi KZ? 3
wm×všÍ wb‡q‡Q| hš¿wU µq Kivi Rb¨ 10 †KvwU UvKvi cÖ‡qvRb Ges N. Rbve kvwK‡ji †Kvb e¨vs‡K wnmve †Lvjv AwaK hyw³msMZ
Gi Avqy®‹vj 20 eQi| cÖwZôvbwU miKvi‡K h_vixwZ Ki cÖ`vb K‡i n‡e e‡j Zzwg g‡b Ki? my‡ì nv‡ii wfwË‡Z we‡kølY Ki| 4
I b`xi Zx‡i ebvqb cÖKí nv‡Z †bq| 7  Rbve dvwng 'A' I 'B' ci¯úi eR©bkxj `ywU cÖK‡íi †h‡Kv‡bv
K. A_©vqb Kx? 1 GKwU cÖK‡í wewb‡qv‡Mi Rb¨ fve‡Qb| cÖ‡Z¨K cÖK‡íi cÖv_wgK
L. †cvU©‡dvwjI bxwZ †Kb MÖnY Kiv nq? e¨vL¨v Ki| 2 wewb‡qvM 2,00,000 UvKv Ges evÆvi nvi 11%| cÖKí `ywUi m¤¢ve¨
M. cÖwZôvbwUi cvwb cwi‡kvabKvix hš¿ µq A_©vq‡bi †Kvb bM` cÖevn wb¤œiƒc :
Kvh©vewji AšÍfz©³? e¨vL¨v Ki| 3 cÖKí/eQi 1 2 3 4 5
N. DÏxc‡K DwjøwLZ KY©dzjx †Kv¤úvwb wj.-Gi Kvh©µg cÖKí 'A' 52,000 52,000 52,000 52,000 52,000
A_©vq‡bi †Kvb aviYvi mv‡_ m¤ú„³? we‡kølY Ki| 4 cÖKí 'B' 68,000 60,000 36,000 48,000 72,000
2  Rbve Avigvb Zvi eëmvq m¤úÖmvi‡Yi j‡ÿ¨ 20 jÿ UvKv w`‡q K. ci¯úi eR©bkxj cÖKí Kx? 1
GKwU bZzb †gwkb µq K‡ib| †gwkb µ‡qi ciI Zvi nv‡Z bM` L. MÖnY-eR©b wm×všÍ ej‡Z Kx †evSvq? 2
A_© _v‡K| Ab¨w`‡K Rbve cvi‡fR †ewk jv‡fi Avkvq g~ja‡bi M. cÖKí 'B'-Gi NPV wbY©q Ki| 3
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we`y¨r wej cwi‡kva Ki‡Z cvi‡Qb bv Ges KuvPvgvj µq Ki‡ZI wewb‡qvM Kiv DwPZ e‡j Zzwg g‡b Ki? 4
e¨_© n‡q ÿwZi m¤§yLxb nb| 8  AbxK wcÖw›Us †cÖ‡mi gvwjK Rbve AbxK GKwU bZzb †gwkb ¯’vcb Ki‡Z
K. eëmvq A_©vqb Kx? 1 Pvb| KviY †gwkbwU ¯’vcb Ki‡j †cÖ‡mi KvR AviI `ªæZMwZ‡Z n‡e|
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M. Rbve Avigv‡bi †gwkb µ‡qi wm×všÍwU A_©vq‡bi †Kvb bM` AvšÍtcÖevn h_vµ‡g 20,000 UvKv, 25,000 UvKv, 30,000 UvKv,
Kvh©vewji AšÍfz©³? e¨vL¨v Ki| 3 35,000 UvKv Ges 40,000 UvKv| cÖK‡íi g~jab e¨q 10%|
N. DÏxc‡K DwjøwLZ Rbve cvi‡fR A_©vq‡bi †Kvb bxwZ AbymiY K. g~jab ev‡RwUs Kx? 1
bv Kivi Kvi‡Y ÿwZi m¤§yLxb n‡q‡Q? hyw³mn gZvgZ `vI| 4 L. g~jab ev‡RwUs‡qi mgq †Kvb †Kvb welq we‡ePbv Kiv nq? 2
3  Rbve bexb Ges Rbve dwi` `yRbB cvBKvwi eëmv K‡ib| Rbve M. AbxK wcÖw›Us †cÖ‡mi bZzb †gwk‡bi AePq wbY©q Ki| 3
bexb Kvc‡oi eëmv K‡ib| Ab¨w`‡K Rbve dwi` GKB mv‡_ Kvco N. DÏxc‡Ki Av‡jv‡K Mo gybvdv nv‡ii Ici wfwË K‡i
Ges RyZvi eëmv K‡ib| Rbve dwi` g‡b K‡ib GKwU eëmvq ÿwZ †gwkbwU ¯’vcb Kiv DwPZ n‡e wK-bv? we‡kølY Ki| 4
n‡j Ab¨ eëmv w`‡q †hb Zv cywl‡q †bIqv hvq| Rbve bexb †ewk 9  Rbve mgxi GKRb bvgKiv Mv‡g©›Um eëmvqx| Zvi Mv‡g©›Um cY¨
gybvdvi Avkvq nv‡Z Aí wKQz bM` A_© †i‡L m¤ú~Y© wewb‡qvM K‡ib| AvšÍR©vwZK gv‡bi| Aciw`‡K Rbve wknve Mv‡g©›Um eëmvi cvkvcvwk
K. gybvdv me©vwaKiY Kx? 1 wewfbœ bvgKiv †Kv¤úvwbi †kqv‡i wewb‡qvM K‡i _v‡Kb| MZ eQi
L. Zvij¨ ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 †KvwfW-19 Gi Kvi‡Y Mv‡g©›Um †m±‡i e¨vcK ÿwZ nq| d‡j Rbve
M. Rbve dwi` A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? e¨vL¨v Ki| 3 mgxi Zvi eëmv‡qi g~jab nvwi‡q c‡_ e‡mb| Aciw`‡K Rbve wknve
N. Rbve bex‡bi wewb‡qvM wm×všÍ eëmv‡q Kx cÖfve †dj‡Z eëmv‡q c~‡e©i g‡Zv jvf bv Ki‡Z cvi‡jI ÿwZi m¤§yLxb nbwb|
cv‡i? we‡kølY Ki| 4 K. SzuwK Kx? 1
4  Rbve gvmyg 5,00,000 UvKv 5 eQ‡ii Rb¨ GKwU e¨vs‡K Rgv L. m¤ú` me©vwaKiY ej‡Z Kx †evSvq? e¨vL¨v Ki| 2
ivL‡Z Pvb| Zvi Kv‡Q `ywU weKí e¨vsK Av‡Q| kvcjv e¨vsK evwl©K M. Rbve mgxi Zvi eëmv‡q ÿwZi m¤§yLxb nIqvi KviY Kx?
12% nv‡i Ges Rev e¨vsK 10% nv‡i gvwmK Pµe„w× my` w`‡e| e¨vL¨v Ki| 3
K. evwl©K e„wË Kx? 1 N. Rbve mgx‡ii Zzjbvq Rbve wknv‡ei wewb‡qvM wm×všÍwU
L. A‡_©i mgqg~j¨ ej‡Z Kx †evSvq? 2 hyw³msMZ †Kb? we‡kølY Ki| 4
M. DÏxc‡K Rbve gvmyg kvcjv e¨vsK †_‡K 5 eQi ci KZ 10 AvKvk dzW&m wj. Ges wkwki dzW&m wjwg‡U‡Wi weMZ 3 eQ‡ii
UvKv cv‡eb? 3 Av‡qi nvi wb¤œiƒc :
N. Rbve gvmyg †Kvb e¨vs‡K UvKv ivL‡j †ewk jvfevb n‡eb? cÖKí/eQi 2014 2015 2016
DÏxc‡Ki Av‡jv‡K we‡kølY Ki| 4 AvKvk dzW&m wj. 12% 11% 14%
5  Rbve kvwnb GKwU †gvUimvB‡Kj wKb‡jb| wkwki dz W & m wj. 15% 03% 18%
1g kZ© : AvMvgx 5 eQi cÖwZ gv‡m 3,000 UvKv K‡i wKw¯Í K. Av`k© wePz¨wZ Kx? 1
cwi‡kva Ki‡Z n‡e hvi my‡ì nvi 12%| L. evRvi SzuwK‡K †Kb Acwinvi‡hvM¨ SzuwK ejv nq? e¨vL¨v Ki| 2
2q kZ© : AvMvgx 5 eQi a‡i cÖwZ eQ‡ii ïiæ‡Z 37,000 UvKv M. AvKvk dzW&m wj.-Gi Av‡qi Av`k© wePz¨wZ wbY©q Ki| 3
wKw¯Í cwi‡kva Ki‡Z n‡e, my‡ì nvi 12%| N. SzuwKi gvÎv we‡ePbv K‡i †Kvb †Kv¤úvwb‡Z wewb‡qvM Kiv
K. Ô72Õ wewa Kx? 1 hyw³hy³ n‡e? g~j¨vqb Ki| 4
L. eZ©gvb g~j¨ A‡cÿv fwel¨r g~j¨ †ewk nq †Kb? 2 11  Rbve gwbi Avjdv wj.-Gi bZzb eë¯’vcK| wZwb wb‡Ri Rb¨
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N. DÏxc‡Ki Av‡jvK Rbve kvwn‡bi †gvUimvB‡Kj µ‡qi †Kvb cÖKí ÔLÕ m¤¢ve¨ Avq 9% 12% 20% 30% 15%
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K. evÆvKiY Kx? 1 L. Òeëmvq SzuwK gybvdv AR©b ÿgZv n«vm K‡iÓ e¨vL¨v Ki| 2
L. Pµe„w×i msL¨v e„w× †c‡j A‡_©i fwel¨r g~‡jï Ici Kx cÖfve M. DÏxc‡Ki Av‡jv‡K †KvKv †Kvjv dzWm wj.-Gi Av`k© wePz¨wZ wbY©q Ki| 3
c‡o? e¨vL¨v Ki| 2 N. DÏxc‡Ki Av‡jv‡K †Kvb †Kv¤úvwbwU †ewk SzuwKc~Y©? MvwYwZK
M. DÏxc‡Ki Av‡jv‡K Rbve mvjgvb KZ UvKv wKw¯Í cwi‡kva Ki‡eb? 3
e¨vL¨vmn gšÍe¨ †jL| 4
N. DÏxc‡Ki Av‡jv‡K GKwU FY cwi‡kv‡ai m~wP ˆZwi Ki| 4
11  Rbve Rv‡b Avjg cÖK‡í wewb‡qvM Ki‡Z B”QzK| wZwb `yBwU cÖKí †_‡K
6  Rbbx wj. GKwU gv¯‹ Drcv`bKvix cÖwZôvb| Zvi Kv‡Q wewb‡qvM‡hvM¨ `yBwU
†h‡Kv‡bv GKwU cÖK‡í wewb‡qvM Kivi wm×všÍ wb‡eb| cÖKí `yBwUi Z_¨ wb¤œiƒc :
cÖKí Av‡Q| wb‡P cÖK‡íi Kic~e© bM` cÖevn †Ìqv n‡jv :
cÖv_wgK eQi/bM` AvšÍtcÖevn bM` AvšÍtcÖevn m¤¢vebv
cÖKí cÖKí-K cÖKí-L cÖKí-K cÖKí-L
wewb‡qvM 1 2 3 4 5
K 45,000 15,000 18,000 17,000 13,000 12,500 35,000 40,000 0.40 0.50
L 55,000 21,500 23,000 20,000 18,000 16,800 20,000 15,000 0.30 0.15
my‡hvM e¨q 9% I Ki nvi 35%| 15,000 15,000 0.20 0.20
K. g~jab ev‡RwUs Kx? 1 20,000 20,000 0.10 0.15
L. g~jab †ikwbs ev eivÏKiY Kxfv‡e Kiv nq? e¨vL¨v Ki| 2 K. AwbðqZv Kx? 1
M. DÏxc‡Ki Av‡jv‡K cÖKí ÔKÕ Gi wbU eZ©gvb g~j¨ KZ? 3 L. ÒmiKvwi e‡Û wewb‡qv‡Mi SzuwK bvBÓ e¨vL¨v Ki| 2
N. Rbbx wj. †Kvb cÖKíwU MÖnY Ki‡e? MvwYwZK e¨vL¨vmn gšÍe¨ †jL| 4 M. DÏxc‡Ki Av‡jv‡K cÖKí `yBwUi cÖZ¨vwkZ bM` cÖevn wbY©q Ki| 3
7  Rbve wn‡g‡ji wbKU 60,000 UvKv Av‡Q| wZwb wewb‡qv‡Mi Rb¨ wb‡¤œv³ N. Rbve Rv‡b Avj‡gi wbKU †Kvb cÖK‡í wewb‡qvM Kiv jvfRbK
`yBwU cÖKí we‡ePbv K‡i‡Qb : n‡e? MvwYwZK hyw³mn gšÍe¨ †jL| 4

1  myigv wjwg‡UW wewb‡qvMKvix‡ì K_v we‡ePbv K‡i 15% jf¨vsk †Ìqvi eQi cÖKí-K (UvKv) cÖKí-L (UvKv)
wm×všÍ †bq| G‡Z myigv wjwg‡U‡Wi mybvg evovi Kvi‡Y †kqv‡ii g~j¨ †e‡o 0 (1,20,000) (1,20,000)
hvq| †Kv¤úvwbi cwiPvjbv cl©` ¯^vfvweKfv‡eB fwel¨‡Z DcK…Z n‡eb| 1 40,000 10,000
K. A_©vqb Kx? 1 2 40,000 20,000
L. jf¨vsk bxwZ e¨vL¨v Ki| 2
3 40,000 30,000
M. myigv wjwg‡UW A_©vq‡bi †Kvb jÿ¨ AR©b K‡i‡Q? e¨vL¨v Ki| 3
4 40,000 40,000
N. DÏxc‡K myigv wjwg‡UW wewb‡qvMKvix‡ì K_v we‡ePbv Kivi KviY
Kx? we‡kølY Ki| 4 5 40,000 50,000
2  Rbve Kwig cÖwZgv‡m 2,000 UvKv Rgvi wfwË‡Z 5 eQi †gqvw` GKwU cÖKí ÔKÕ-Gi wewb‡qvM cwi‡kvaKvj (PBP) Ges wbU eZ©gvb g~j¨ (NPV)
e¨vs‡K we‡kl mÂqx wnmve †Lv‡jb| e¨vsK 10% my` w`‡e| h_vµ‡g : 3 eQi Ges 31,640/- UvKv|
K. my‡hvM e¨q Kx? 1 K. AvB, Avi, Avi (IRR)-Gi c~Y©iƒc Kx? 1
L. A‡_©i mgqg~j¨ ej‡Z Kx †evSvq? 2 L. Mo DcvR©b nvi (ARR) ej‡Z Kx †evSvq? 2
M. Rbve Kwig 5 eQi ci e¨vsK †_‡K KZ UvKv cv‡eb? wbY©q Ki| 3 M. cÖKí K-Gi Mo gybvdvi nvi wbY©q Ki| 3
N. hw` my‡ì nvi 2% e„w× cvq Zvn‡j †gqv` †k‡l Rbve Kwig KZ N. XvKv wj.-Gi Avw_©K eë¯’vcK cÖKí-K G wewb‡qv‡Mi wm×všÍ
UvKv cv‡eb? we‡kølY Ki| 4 wb‡q‡Qb| NPV-Gi we‡ePbvq cÖKíwU wbe©vP‡bi †hŠw³KZv †`LvI| 4
3  Rbve myg‡bi nv‡Z `ywU cÖK‡íi cÖ¯Íve i‡q‡Q| Dfq cÖK‡íi cÖv_wgK 8  mvwKb DËiv e¨vs‡K eQ‡ii ïiæ‡Z 8% my‡` Ges wmqvb RbZv e¨vs‡K
wewb‡qvM 25,000 UvKv| cÖKí †_‡K wZwb 5 eQ‡i wb¤œwjwLZ Ki-cieZ©x eQ‡ii †k‡l 10% my‡` 5,000 UvKv K‡i 10 eQi Rgv K‡ib|
bM` cÖevn Avkv K‡i‡Qb : K. wewa Ô69Õ Kx? 1
cÖKí X cÖKí Y L. evwl©K e„wË ej‡Z Kx †evSvq? 2
eQi
bM` AvšÍtcÖevn (UvKv) bM` AvšÍtcÖevn (UvKv) M. DÏxc‡Ki mvwKb †gqv` †k‡l KZ UvKv cv‡eb? 3
1 7,000 6,000 N. DÏxc‡Ki Av‡jv‡K †gqv` †k‡l †K †ewk UvKv cv‡eb? we‡kølY K‡i
2 9,000 13,000 †`LvI| 4
3 6,000 5,000 9  wg. RvwKi Avw_©K evRv‡i wewb‡qvM Ki‡Z AvMÖnx| wb‡Pi DwjøwLZ `yBwU
4 8,000 12,000 wmwKDwiwUi †h‡Kv‡bv GKwU‡Z wewb‡qvM Ki‡Z Pvb :
5 11,000 3,000 eQi Av‡qi nvi wmwKDwiwU-A Av‡qi nvi wmwKDwiwU-B
evÆvi nvi 10%| 2016 20% 15%
K. cwi‡kvaKvj Kx? 1
2017 18% 12%
L. wbU eZ©gvb g~j¨ ej‡Z Kx †evSvq? 2
M. cÖKí X Gi †c-e¨vK wcwiqW wbY©q Ki| 3 2018 14% 20%
N. wbU eZ©gvb g~‡jï wfwË‡Z cÖK‡íi MÖnY‡hvM¨Zv hvPvB Ki| 4 K. SzuwK wcÖwgqvg Kx? 1
4  cÙv †Kv¤úvwb Ges kvcjv †Kv¤úvwb DfqB Drcv`bKvix cÖwZôvb| cÙv L. Avq I SzuwKi g‡a¨ Kx ai‡bi m¤úK© i‡q‡Q? e¨vL¨v Ki| 2
†Kv¤úvwb Rvgvb‡Zi wfwË‡Z FY MÖnY K‡i _v‡K Ges A‡_©i cÖvc¨Zv M. DÏxc‡K cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
Abymv‡i e¨q wba©viY K‡i _v‡K| Ab¨w`‡K, kvcjv †Kv¤úvwbwU RvgvbZ N. DÏxc‡Ki wg. RvwKi‡K †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv hyw³hy³
QvovB A_©ms¯’vb K‡i _v‡K Ges e¨q wba©viY K‡i A_©ms¯’vb K‡i _v‡K| e‡j Zzwg g‡b Ki? 4
K. †cvU©‡dvwjI bxwZ Kx? 1 10  mvwgqv †Kv¤úvwb 7,00,000 UvKv g~‡jï GKwU bZzb †gwkb µ‡qi welq
L. gybvdv me©vwaKiY ej‡Z Kx †evSvq? 2 we‡ePbv Ki‡Q| †Kv¤úvwbi g~jab e¨q 10% Ges K‡c©v‡iU K‡ii nvi
M. DÏxc‡K cÙv †Kv¤úvwb †Kvb ai‡bi A_©ms¯’vb K‡i _v‡K? e¨vL¨v Ki| 3 40%| †gwkbwU eënv‡ii gva¨‡g AvMvgx 5 eQi wb¤œwjwLZ nv‡i
N. DÏxc‡K cÙv †Kv¤úvwb I kvcjv †Kv¤úvwbi g‡a¨ †Kvb †Kv¤úvwb Kic~e©eZ©x bM` cÖevn Avkv Kiv hv‡”Q :
RbM‡Yi Kj¨vYmva‡bi Rb¨ AwaK f‚wgKv iv‡L? 4 eQi Kic~e©eZ©x bM` cÖevn (UvKv)
5  Gwkqv ÷K A I ÷K B m¤ú‡K© wb‡Pi Z_¨mg~n msMÖn K‡i‡Qb : 1 1,20,000
A_©‰bwZK m¤¢vebv Av‡qi nvi Av‡qi nvi 2 2,20,000
Ae¯’v (%) ÷K A ÷K B 3 3,40,000
g›`vfve 10% 10% 25% 4 2,80,000
¯^vfvweK Ae¯’v 40% 30% 30% 5 2,30,000
Pv½vfve 50% 40% 35% K. cÖKí Kx? 1
K. CAPM Kx? 1 L. g~jab ev‡RwUs‡qi `yBwU D‡Ïk¨ †jL| 2
L. Avw_©K SzuwK ej‡Z Kx †evSvq? 2 M. DÏxc‡K ewY©Z †gwkbwUi Mo DcvR©b nvi KZ? 3
M. ÷K A Gi cwiwgZ eëavb wbY©q Ki| 3 N. wbU eZ©gvb g~‡jï Av‡jv‡K †gwkbwU µ‡qi wel‡q †Kv¤úvwbi
N. DÏxc‡K †Kvb ÷KwU †ewk SzuwKc~Y©? gšÍe¨ Ki| 4 wm×všÍ Kx nIqv DwPZ? we‡kølY Ki| 4
6  Rbve iwng e¨vsK †_‡K evwl©K 10% nvi my‡` 10,00,000 UvKv FY MÖnY 11  wg. bq‡bi wbKU wewb‡qvM‡hvM¨ 40,000 UvKv Av‡Q| wZwb GB A_©
K‡ib| AvMvgx 5 eQi cÖwZ eQ‡ii †k‡l wZwb F‡Yi wKw¯Í cwi‡kva Ki‡eb| wb¤œiƒ‡c wewb‡qv‡Mi wm×všÍ wb‡eb :
K. Pµe„w×KiY Kx? 1
†Kv¤úvwb K L M N
L. FY cwi‡kva m~wP ej‡Z Kx †evSvq? 2
wewb‡qvM (UvKv) 4,000 8,000 12,000 16,000
M. Rbve iwn‡gi F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3
N. cÖwZeQ‡ii ïiæ‡Z wKw¯Í cwi‡kva Ki‡j wKw¯Íi cwigv‡Y Kx cÖfve cÖZ¨vwkZ Av‡qi nvi 8% 12% 15% 18%
co‡e? †Zvgvi gZvgZ `vI| 4 K. eëmvq SzuwK Kx? 1
7  wg. ivbv XvKv wj.-Gi Avw_©K eë¯’vcK| wZwb `xN©‡gqvw` wewb‡qv‡Mi Rb¨ L. Zvij¨ SzuwK Kxfv‡e m„wó nq? 2
10% g~jab e¨q Abygvbmv‡c‡ÿ `ywU cÖKí g~j¨vqb K‡i‡Qb| wb‡P cÖKí M. †cvU©‡dvwjI Av‡qi nvi wbY©q Ki| 3
`ywUi Z_¨mg~n Dc¯’vcb Kiv n‡jv : N. †cvU©‡dvwjI Av`k© wePz¨wZ wbY©q Ki| 4

1  AvwRR wj. GKwU ¯^bvgab¨ cøvw÷K mvgMÖx Drcv`bKvix cÖwZôvb| cÖwZôvbwU K. ¯^vaxb cÖKí Kx? 1
Kg©x‡ì mKj my‡hvM-myweav cÖ`v‡b m‡Pó _v‡K| GB cÖwZôvbwU Kg©x‡ì L. jvfRbK cÖKí wbe©vP‡b g~jab †ikwbs Gi f‚wgKv e¨vL¨v Ki| 2
wPwKrmv †mev cÖ`vb, Zv‡ì mšÍvb‡ì wkÿv I wbqwgZ †Ljvayjv Kivi R‡b¨ M. 'Y' cÖK‡íi Mo DcvR©b nvi wbY©q Ki| 3
wewfbœ ai‡bi eë¯’v MÖnY K‡i _v‡K| GQvovI cÖwZôvbwU gybvdvi GKwU Ask N. wbU eZ©gvb g~j¨ we‡ePbvq Rbve wKewiqvi †Kvb cÖK‡í wewb‡qvM
mvaviY mwÂwZ Znwe‡j Rgv iv‡L| cÿvšÍ‡i, mv¾v` †Kvs wj. weL¨vZ ˆZwi Kiv DwPZ? †Zvgvi DË‡ii mc‡ÿ hyw³ `vI| 4
†cvkvK cÖ¯ÍyZKvix cÖwZôvb| cÖwZôvbwU Kg©x‡ì my‡hvM-myweavi cÖwZ †Zgb 7  Rbve Zvmwb‡gi wbKU wewb‡qv‡Mi Rb¨ 50,000 UvKv Av‡Q| GB UvKv
g‡bv‡hvM bv w`‡jI †kqvigvwjK‡ì wbqwgZ I m‡šÍvlRbK jf¨vsk cÖ`vb wZwb GKwU jvfRbK cÖK‡í wewb‡qvM Ki‡Z AvMÖnx| Zvi wbKU `ywU weKí
K‡i| d‡j evRv‡i †kqv‡ii Pvwn`v I g~j¨ e„w× cv‡”Q| Dfq †Kv¤úvwb eëmvq cÖK‡íi cÖ¯Íve i‡q‡Q| cÖKí `ywUi Z_¨ wb¤œiƒc :
m¤úÖmvi‡Yi †Póv Pvwj‡q hv‡”Q hvi d‡j bZzb K‡i g~ja‡bi Pvwn`v m„wó n‡”Q| cÖK‡íi cÖv_wgK bM` AvšÍtcÖevn
K. Znwej eÈb Kx? 1 bvg wewb‡qvM 1g eQi 2q eQi 3q eQi 4_© eQi 5g eQi
L. SzuwK I gybvdvi m¤úK© e¨vL¨v Ki| 2
M. DÏxc‡K `ywU †Kv¤úvwbi g‡a¨ †Kvb †Kv¤úvwb eëmv‡qi mvgvwRK K (45,000) 12,000 15,000 20,000 10,000 13,000
`vwqZ¡ cvjb K‡i? DÏxc‡Ki Av‡jv‡K hyw³ †`LvI| 3 L (40,000) 14,000 12,000 10,000 15,000 16,000
N. DÏxc‡K mv¾v` †Kvs wj.-Gi eëmvq m¤úÖmvi‡Yi Rb¨ Kxfv‡e cÖZ¨vwkZ Av‡qi nvi 10% Ges Ki nvi 40%|
g~jab msMÖn Kiv DwPZ e‡j Zzwg g‡b Ki? DË‡ii c‡ÿ hyw³ `vI| 4 K. g~jab ev‡RwUs Kx? 1
2  Rbve Avnmvb Zvi wbKU mwÂZ A_© wewb‡qvM K‡i bZzb cÖKí ïiæ Ki‡Z L. Òh_vh_ g~jab ev‡RwUs c×wZ cÖwZôv‡bi gybvdv AR©b ÿgZv e„w×
AvMÖnx| GB wel‡q wZwb Zvi cÖwZwôZ eëmvqx eÜy wg. mR‡ji civgk© K‡iÓ e¨vL¨v Ki| 2
PvB‡j eÜy Zv‡K GKvwaK cÖK‡í wewb‡qv‡Mi civgk© †`b| wKšÍy wZwb AwaK M. ÔKÕ cÖK‡íi Af¨šÍixY DcvR©b nvi wbY©q Ki| 3
jv‡fi Avkvq Zvi m¤ú~Y© g~jab GKwU cÖK‡í wewb‡qvM K‡ib Ges N. cyuwR †diZKvj we‡ePbvq Rbve Zvmwb‡gi †Kvb cÖK‡í wewb‡qvM
†jvKmv‡bi m¤§yLxb nb| Kiv DwPZ n‡e? †Zvgvi gZvgZ `vI| 4
K. A_©vq‡bi mvgvwRK `vqe×Zv Kx? 1 8  nxiv †Kv¤úvwbi KicieZ©x bM` AvšÍtcÖevn I wewb‡qvM wb¤œiƒc :
L. Òwewb‡qv‡M jÿ¨ AR©‡b A_©vq‡bi bxwZmg~n gvbv cÖ‡qvRb|Ó e¨vL¨v Ki| 2 KicieZ©x AvšÍtcÖevn
M. Rbve Avnmvb‡K Zvi eÜy A_©vq‡bi †h bxwZ Abymi‡Yi civgk© wewb‡qvM
1g eQi 2q eQi 3q eQi 4_© eQi 5g eQi
w`‡qwQ‡jb Zv e¨vL¨v Ki| 3 1,20,000 30,000 40,000 35,000 55,000 25,000
N. g~jab wewb‡qv‡Mi †ÿ‡Î Rbve Avnmv‡bi M„nxZ bxwZi †hŠw³KZv we‡kølY Ki| 4
3  Rbve Kvgvj c~evjx e¨vs‡K GKwU mÂqx ¯‹x‡g 10% my‡` AvMvgx 10 eQi Ki nvi 30% Ges evÆv nvi 10%| cÖwZôvbwU mij‰iwLK c×wZ‡Z AePq
ch©šÍ cÖ‡Z¨K eQi †k‡l 10,000 UvKv K‡i Rgv ivLvi wm×všÍ †bb| wnmve K‡i|
Ab¨w`‡K, Zvi eÜy †nv‡mb †mvbvjx e¨vs‡K 8% ˆÎgvwmK my‡` 10 eQ‡ii K. Mo DcvR©b nvi Kx? 1
Rb¨ 1,30,000 UvKv GKKvjxb Rgv K‡ib| L. ÒevÆvK…Z bM` cÖevn c×wZ MZvbyMwZK c×wZ A‡cÿv †kÖq|Ó e¨vL¨v Ki| 2
K. wewa 72 Kx? 1 M. nxiv †Kv¤úvwbi wbU eZ©gvb g~j¨ wbY©q Ki| 3
L. ÒPµe„w×i msL¨v A‡_©i fwel¨r g~j¨‡K cÖfvweZ K‡i|Ó e¨vL¨v Ki| 2 N. Af¨šÍixY DcvR©b nv‡ii wfwË‡Z nxiv †Kv¤úvwbi wewb‡qvM wm×všÍwU
M. †mvbvjx e¨vs‡Ki Kvh©Kix my‡ì nvi wbY©q Ki| 3 g~j¨vqb Ki| 4
N. 10 eQi ci †K †ewk A_© cv‡eb? DÏxc‡Ki Av‡jv‡K we‡kølY Ki| 4 9  Rbve AvwbQ hgybv †Kv¤úvwbi ÷‡K wewb‡qvM K‡i‡Qb| D³ †Kv¤úvwbi
4  †QvUb Zvi evevi wbKU GKwU †gvUimvB‡Kj PvBj| Zvi evev Zv‡K 3 eQi ÷‡Ki weUv ( ) 0.70 SzuwKgy³ Av‡qi nvi 6% Ges evRvi Av‡qi nvi
ci †gvUimvB‡Kj wK‡b †Ìqvi A½xKvi K‡ib Ges GB j‡ÿ¨ 10% my‡` 10%| hgybv †Kv¤úvwbi ÷‡Ki cÖZ¨vwkZ Av‡qi nvi m‡šÍvlRbK bv nIqvq
GKwU e¨vs‡K cÖwZgv‡mi ïiæ‡Z UvKv Rgv Ki‡Z Pvb| 3 eQi ci Rbve AvwbQ wb‡gv³ `ywU wmwKDwiwUi †h‡Kv‡bv GKwU‡Z wewb‡qvM Ki‡Z
†gvUimvB‡Kj wKb‡Z 1,50,000 UvKvi cÖ‡qvRb n‡e| †QvUb gvÎ GKv`k AvMÖnx| wmwKDwiwU `ywUi Z_¨ wb¤œiƒc :
†kÖwY‡Z fwZ© n‡q‡Q| Zvi K‡j‡R hvZvqvZ eveZ AvMvgx 2 eQi ch©šÍ cÖwZ DcvR©b nvi
gv‡m 800 UvKv LiP n‡e| Zvi evev wgZe¨wqZvi K_v wPšÍv K‡i Zv‡K m¤¢vebv
wmwKDwiwU X wmwKDwiwU Y
16,000 UvKv w`‡q GKwU evB-mvB‡Kj wK‡b †Ìqvi wm×všÍ MÖnY K‡ib| .20 25% 30%
K. wejw¤^Z evwl©K e„wË Kx? 1 .50 28% 25%
L. ÒcÖK‡íi m¤¢ve¨Zv hvPvB‡qi †ÿ‡Î A‡_©i mgqg~j¨ we‡ePbv Kiv .30 26% 27%
Acwinvh©Ó e¨vL¨v Ki| 2 K. SzuwK wcÖwgqvg Kx? 1
M. †gvUimvB‡Kj †Kbvi Rb¨ †QvU‡bi evev‡K cÖwZ gv‡mi ïiæ‡Z KZ
UvKv K‡i e¨vs‡K Rgv Ki‡Z n‡e? 3 L. Ò†Kv¤úvwb SzuwK cwinvi‡hvM¨Ó e¨vL¨v Ki| 2
N. cÖZ¨vwkZ Av‡qi nvi 12% a‡i †QvU‡bi evevi wgZe¨wqZvi M. hgybv †Kv¤úvwbi wmwKDwiwUmg~‡ni cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
wm×všÍwU g~j¨vqb Ki| 4 N. SzuwK we‡ePbvq Rbve Avwb‡Qi `ywU wmwKDwiwUi †KvbwU‡Z wewb‡qvM
5  kvLvIqvZ mv‡ne 5 eQi ci GKwU evwo wbg©vY Ki‡Z Pvb| G Rb¨ 5 eQi Kiv AwaK wbivc`? we‡kølY Ki| 4
ci Zvi 20,00,000 UvKv cÖ‡qvRb| ZvB wZwb mÂ‡qi cwiKíbv Ki‡jb| 10  wg. M gybvdv I SzuwK we‡kølY K‡i wewb‡qvM wm×všÍ MÖnY Ki‡Z AvMÖnx|
mvD_ B÷ e¨vs‡Ki eë¯’vcK Zv‡K wZbwU weKí cÖ¯Íve w`‡q‡Qb| cÖ_g wewb‡qv‡Mi D‡Ï‡k¨ wZwb wb‡Pi `ywU †kqv‡ii Z_¨vw` we‡ePbv K‡i‡Qb :
cÖ¯Íve Abyhvqx wZwb cÖwZ gv‡mi ïiæ‡Z 12% my‡` 25,000 UvKv K‡i Rgv †kqvi A †kqvi B
Ki‡eb| wØZxq cÖ¯Íve Abyhvqx cÖwZ gv‡mi †k‡l 11% my‡` 26,000 UvKv Mo Avq 11% 12%
K‡i Rgv Ki‡eb| Z…Zxq cÖ¯Íve Abyhvqx GKKvjxb 10,00,000 UvKv Rgv cwiwgZ eëavb 9.50% 11%
ivL‡j 5 eQi ci 20,00,000 UvKv cv‡eb| wg. M †kqvi A †Z 45% Ges †kqvi B †Z 55% wewb‡qvM Ki‡eb|
K. evÆvKiY Kx? 1 K. Avw_©K SzuwK Kx? 1
L. mvaviY e„wËi Zzjbvq AwMÖg e„wËi †ÿ‡Î A‡_©i fwel¨r g~j¨ †ewk L. Òwewb‡qv‡Mi êwPÎ¨vq‡bi gva¨‡g SzuwK n«vm Kiv m¤¢e|Ó e¨vL¨v Ki| 2
nq e¨vL¨v Ki| 2 M. wg. M Gi †cvU©‡dvwjI Avq †ei Ki| 3
M. Z…Zxq weKí Abyhvqx my‡ì nvi wbY©q Ki| 3 N. †kqvi `ywUi SzuwKi mv‡_ wg. M Gi †cvU©‡dvwjI SzuwKi Zzjbvg~jK
N. kvLvIqvZ mv‡ne †Kvb weKíwU MÖnY K‡i evwo wbg©v‡Y AwaKZi we‡kølY †`LvI| 4
jvfevb n‡eb? †Zvgvi gZvgZ we‡kølY Ki| 4 11  weMZ wZb eQi a‡i kxZjÿ¨v I KY©dzjx †Kv¤úvwbi Av‡qi nvi wb¤œiƒc :
6  Rbve wKewiqv `ywU wewb‡qvM cÖK‡íi †h‡Kv‡bv GKwU‡Z wewb‡qvM Ki‡Z kxZjÿ¨v : 12%, 10%, 14%|
AvMÖnx| cÖKí `ywUi KicieZ©x wbU gybvdv I wewb‡qvM wb¤œiƒc : KY©dzjx : 20%, 8%, 11%|
cÖK‡íi KicieZ©x wbU gybvdv AwaK SzuwK wb‡Z AvMÖnx bq e‡j Rbve wiqvR Dfq †Kv¤úvwb‡Z mgvb
bvg wewb‡qvM
1g eQi 2q eQi 3q eQi 4_© eQi 5g eQi wewb‡qv‡Mi wm×všÍ MÖnY K‡ib|
X (25,000) 3,300 3,300 3,300 3,300 3,300 K. m¤¢vebv Kx? 1
Y (30,000) 5,000 4,500 5,500 4,000 3,600 L. SzuwK I AwbðqZvi g‡a¨ m¤úK© Kxiƒc? e¨vL¨v Ki| 2
Rbve wKewiqvi cÖZ¨vwkZ Av‡qi nvi 15% Ges Ki nvi 30%| Dfq M. kxZjÿ¨v †Kv¤úvwbi Av‡qi Av`k© wePz¨wZ wbY©q Ki| 3
cÖK‡í mij‰iwLK c×wZ‡Z AePq avh© Kiv nq| N. we‡f`v‡¼i wfwË‡Z Rbve wiqv‡Ri wm×všÍwU g~j¨vqb Ki| 4
15 wm‡jU †evW© 2021 welq †KvW : 2 9 2

1  wg. iv‡mj Ôhgybv wjwg‡U‡WiÕ GKRb Avw_©K eë¯’vcK| wZwb `ywU cÖK‡íi GKwU‡Z K. wbU eZ©gvb g~j¨ Kx? 1
wewb‡qv‡Mi wPšÍv Ki‡Qb| cÖKí `ywUi cÖ‡Z¨KwUi cÖv_wgK wewb‡qv‡Mi cwigvY L. cwi‡kva mgqKvj ej‡Z Kx †evS? 2
1,00,000 UvKv| wb‡¤œ cÖKí `ywUi cieZ©x 5 eQ‡ii bM` cÖevn †Ìqv n‡jv : M. cÖKíwUi cwi‡kva mgqKvj KZ? 3
eQi cÖKí-K (UvKv) cÖKí-L (UvKv) N. g~jab e¨q 12% n‡j cÖKíwUi wbU eZ©gvb g~j¨ Ges Mo DcvR©b
1 60,000 2,500 nvi wbY©q Ki| 4
2 20,000 15,000 7  Ô÷vi †Kv¤úvwb wjwg‡UWÕ Pvi eQi †gqvw` GKwU cÖK‡í wewb‡qv‡Mi wm×všÍ †bq|
3 27,000 13,000 †mLv‡b cÖv_wgK wewb‡qv‡Mi cwigvY n‡e 2,00,000 UvKv Ges bM` AvšÍtcÖevnmg~n
4 17,500 12,500 h_vµ‡g 60,000, 70,000, 80,000 Ges 76,000 UvKv| evÆvi nvi 10%|
5 15,000 65,000 K. g~jab ev‡RwUs Kx? 1
evÆvi nvi 10%| L. Òg~jab ev‡RwUs cÖwZôv‡bi gybvdv AR©b ÿgZv e„w× K‡iÓ e¨vL¨v Ki| 2
K. A_©vqb Kx? 1 M. †Kv¤úvwbi wbU eZ©gvb g~j¨ (NPV) wbY©q Ki| 3
L. GKRb wewb‡qvMKvix †Kb †cvU©‡dvwjI bxwZ AbymiY K‡ib? e¨vL¨v Ki| 2 N. Af¨šÍixY Av‡qi nvi (IRR) wfwË‡Z ÷vi †Kv¤úvwbi wewb‡qvM
M. cÖKí ÔKÕ Gi eZ©gvb g~j¨ wbY©q Ki| 3 wm×všÍwU g~j¨vqb Ki| 4
N. dv‡g©i g~j jÿ¨ AR©‡bi Rb¨ wg. iv‡m‡ji †Kvb cÖKíwU cQ›` Kiv 8  Ômyigv †Kv¤úvwb wjwg‡UWÕ Gi Kv‡Q ci¯úi eR©bkxj cÖKí 'X' I 'Y' †Z
DwPZ? we‡kølY Ki| 4 wewb‡qv‡Mi my‡hvM i‡q‡Q| 'X'-cÖK‡í wewb‡qv‡Mi cwigvY 90,000 UvKv
2  wRnv` I wRmvb `yB eÜy| Zviv `yR‡bB gyiwMi Lvgvwi Ges mgcwigvY Ges 'Y'-cÖK‡í cÖv_wgK wewb‡qv‡Mi cwigvY 1,20,000 UvKv| cÖKí `ywUi
g~jab wb‡q Zviv eëmvq Avi¤¢ K‡ib| wRnv‡ì LvgviwU eªqjvi gyiwMi| †gqv` 4 eQi| cÖKí `ywUi bM` cÖevn wb¤œiƒc :
wZwb GKwU wbw`©ó mgq ci †m¸‡jv evRviRvZ K‡ib| weµqKi‡Yi eQi cÖKí-'X' cÖKí-'Y'
20/25 w`b c~e© †_‡KB cÖvq A_© msK‡U c‡ob| Aciw`‡K wRmvb Zvi 1 6,000 75,000
Lvgv‡i eªqjvi gyiwMi cvkvcvwk †jqvi gyiwM I gyiwMi Lvevi ˆZwi K‡i 2 45,000 54,000
weµq K‡ib| GZwKQz Kivi ci wRmvb‡K KL‡bv A_© msK‡U co‡Z nqwb| 3 21,000 27,000
L. ci¯úi eR©bkxj cÖKí ej‡Z Kx †evSvq? 2 4 15,000 18,000
M. wRnv‡ì Lvgv‡i A_© msK‡Ui KviY Kx? DÏxc‡Ki Av‡jv‡K eY©bv Ki| 3 K. ¯^vaxb cÖKí Kx? 1
N. wRmvb †Kb A_© msK‡U c‡owb? we‡kølY Ki| 4 L. cÖKí g~j¨vqb ej‡Z Kx †evS? 2
3  Rbve AvwbQzi ingvb GKwU †emiKvwi wkÿvcÖwZôv‡bi Aa¨ÿ wQ‡jb| m`¨ M. g~jab e¨q 15% n‡j cÖKí `ywUi wbU eZ©gvb g~j¨ (NPV) wbY©q Ki| 3
wZwb Aem‡i hvb| Aem‡i hvIqvi Kvi‡Y wZwb Kj¨vY Znwej I N. cÖKí `ywU hw` ¯^vaxb nq Ges g~jab e¨q 12% n‡j Zzwg †Kvb cÖKí
AemiKvjxb fvZv¯îƒc me©‡gvU 50,00,000 UvKv †c‡q‡Qb| Rbve cQ›` Ki‡e? DË‡ii mc‡ÿ hyw³ `vI| 4
AvwbQzi ingvb H UvKv 5 eQ‡ii Rb¨ Ô†mvbvi evsjvÕ e¨vs‡K Rgv ivL‡j 9  wg. kvnx‡bi wbKU PvKwiKvjxb Rxe‡bi mwÂZ 30,00,000 UvKv Av‡Q| wZwb
10% nv‡i my` cv‡eb, hv gvwmK MYbv Kiv n‡e| H GKB mg‡qi Rb¨ Gi 20,00,000 UvKv g~jab evRv‡i wewb‡qvM Ki‡Z AvMÖnx| wewb‡qvM wm×všÍ
ÔKi‡Zvqv e¨vs‡KÕ Rgv ivL‡j 12% nv‡i my` cv‡eb, hv ˆÎgvwmK MYbv MÖn‡Yi Rb¨ wZwb `ywU wmwKDwiwU 'X' Ges 'Y'-Gi AZxZ e¨q ch©v‡jvPbv
Kiv n‡e| my` wbY©‡qi †ÿ‡Î mg‡qi ZviZ‡gï Kvi‡Y Rbve AvwbQzi K‡ib| wmwKDwiwU `ywUi 4 eQ‡ii Av‡qi weeiY wb‡P †Ìqv n‡jv :
†Kv_vq UvKv Rgv ivL‡j †ewk jvfevb n‡eb Zv wb‡q wPwšÍZ| eQi Av‡qi nvi (wmwKDwiwU-X) Av‡qi nvi (wmwKDwiwU-Y)
K. evwl©K e„wË Kx? 1 2017 8% 13%
L. bvwgK my` I Kvh©Kix my` GK bq †Kb? e¨vL¨v Ki| 2 2018 6% 5%
M. Ô†mvbvi evsjvÕ e¨vs‡K Rbve AvwbQzi ingvb wewb‡qvM Ki‡j 2019 13% 22%
wewb‡qvMK…Z A‡_©i fwel¨r g~j¨ KZ n‡e? wbY©q Ki| 3 2020 18% 15%
N. DÏxc‡Ki `ywU e¨vs‡Ki g‡a¨ Rbve AvwbQzi ingv‡bi †KvbwU‡Z K. SzuwK Kx? 1
wewb‡qvM jvfRbK n‡e? MvwYwZK we‡kølY Ki| 4 L. SzuwK wcÖwgqvg ej‡Z Kx †evS? 2
4  Rbve kwdK mv‡ne GKRb eëmvqx| eëmv‡qi Kvi‡Y wZwb evwl©K 10% M. wmwKDwiwU `ywUi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
nvi my‡` ÔwZ¯Ív e¨vsKÕ †_‡K 10,00,000 UvKv FY MÖnY K‡ib| hv cieZ©x N. wg. kvnx‡bi †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv DËg Ges †Kb? SzuwK
5 eQ‡i cÖ‡Z¨K eQ‡ii †k‡l wKw¯Í AvKv‡i cwi‡kva Ki‡Z n‡e| ev we‡f`v¼ (Coefficient of variation) we‡ePbv K‡i †Zvgvi gZvgZ
K. AwMÖg e„wË Kx? 1 cÖKvk Ki| 4
L. FY m~wP ej‡Z Kx †evS? 2 10  Rbve ivBqvb wewb‡qvM Kivi Rb¨ wb‡Pi `ywU wmwKDwiwUi Z_¨ we‡ePbv Ki‡Qb:
M. F‡Yi wKw¯Íi cwigvY KZ? wbY©q Ki| 3 cÖZ¨vwkZ Avq
N. cÖ‡Z¨K eQ‡ii ïiæ‡Z wKw¯Í cÖ`vb Ki‡j wKw¯Íi cwigv‡Y Kx cÖfve m¤¢vebv
co‡e? we‡kølY Ki| 4 wmwKDwiwU-A wmwKDwiwU-B
5  Rbve kvIb ˆcwÎK m~‡Î Rwg weµ‡qi Ask wn‡m‡e 10,00,000 UvKv 0.20 15% 12.5%
†c‡q‡Qb| wZwb GKRb SzuwKwegyL †jvK| ZvB GB UvKv wZwb †h‡Kv‡bv 0.10 10% 17.5%
GKwU e¨vs‡K 5 eQ‡ii Rb¨ Rgv ivL‡Z Pvb| Zvi wbKU `ywU weKí Av‡Q| 0.20 9% 16.0%
GKZv e¨vs‡K Rgv ivL‡j 12% nv‡i Pµe„w× my` cÖ`vb Ki‡e Ges mgZv K. †cvU©‡dvwjI Kx? 1
e¨vs‡K Rgv ivL‡j 10% nv‡i gvwmK Pµe„w× my` cÖ`vb Ki‡e| L. Avq I SzuwKi g‡a¨ Kx ai‡bi m¤úK© i‡q‡Q? e¨vL¨v Ki| 2
K. Pµe„w×KiY Kx? 1 M. wmwKDwiwU-A Gi Av`k© wePz¨wZ wbY©q Ki| 3
L. A‡_©i mgqg~j¨ ej‡Z Kx †evS? 2 N. Rbve ivBqv‡bi Rb¨ †Kvb wmwKDwiwU‡Z wewb‡qvM †ewk SzuwKc~Y©, Zv
M. Rbve kvIb GKZv e¨vs‡K wewb‡qvM Ki‡j †gqv` †k‡l KZ UvKv cv‡eb? 3 MvwYwZKfv‡e we‡kølY Ki| 4
N. DÏxc‡K DwjøwLZ e¨vsK `ywUi g‡a¨ †Kvb e¨vs‡K UvKv Rgv ivL‡j 11  Ô†mvbvjx wjwg‡UWÕ 3,00,000 UvKv 'X' †Kv¤úvwbi †kqvi Ges 2,00,000
Rbve kvIb †ewk jvfevb n‡eb? MvwYwZKfv‡e we‡kølY Ki| 4 UvKv 'Y' †Kv¤úvwbi †kqv‡i wewb‡qvM Ki‡jb| wewfbœ A_©‰bwZK Ae¯’vq
6  Ôwbwjgv †Kv¤úvwbÕ GKwU bZzb cÖK‡í wewb‡qv‡Mi wPšÍv Ki‡Q| GB cÖKí †kqvi `ywUi Av‡qi nvi wb‡P †Ìqv n‡jv :
ev¯Íevq‡bi Rb¨ 2,50,000 UvKv e¨‡q GKwU †gwkb msMÖn Kiv n‡e| Av‡qi nvi
†gwkbwUi AvbygvwbK Avqy®‹vj 5 eQi Ges Gi †Kv‡bv Aewkó g~j¨ _vK‡e X-†Kv¤úvwb Y-†Kv¤úvwb
bv| †Kv¤úvwbi Ki nvi 55% Ges †Kv‡bv wewb‡qvM fvZv cvq bv| g›`v Ae¯’v .30 13% 10%
†Kv¤úvwbi 5 eQ‡ii Kic~e© bM` cÖevn wb¤œiƒc : ¯^vfvweK Ae¯’v .40 12% 11%
eQi Kic~e© bM` cÖevn (UvKv) †ZwR Ae¯’v .30 16% 15%
1 50,000 K. CAPM Gi c~Y©iƒc †jL| 1
2 55,000 L. †cvU©‡dvwjI‡Z wewb‡qvM †Kb AwaK `ÿZvi cwiPq enb K‡i? 2
3 70,000 M. 'X' I 'Y' †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
4 75,000 N. Ô†mvbvjx wj.Õ-Gi cÖZ¨vwkZ Av‡qi nvi 12% n‡j †cvU©‡dvwjI
5 1,25,000 wewb‡qv‡Mi †hŠw³KZv we‡kølY Ki| 4

1  cÙv B‡j±ªwbK wj. wewfbœ ai‡bi B‡j±ªwbK cY¨ Drcv`b I weµq K‡i| m¤úÖwZ 2 60,000 1,00,000
†Kv¤úvwbwU gqgbwms‡ni wÎkv‡j GKwU e„nr KviLvbv ¯’vcb Kivi wm×všÍ †bq| 3 60,000 1,00,000
†Kv¤úvwbi eë¯’vcK cÖZ¨vkv Ki‡Qb †h, bZzb KviLvbvq Drcvw`Z cY¨ †`‡ki 4 60,000 1,00,000
Pvwn`v wgwU‡q we‡`‡kI ißvwb Kiv hv‡e| Ab¨w`‡K, eZ©gvb K‡ivbv cwiw¯’wZ †Kv¤úvwbi g~jab e¨q 10%| D‡jøL¨, †mŠi we`y¨r cÖK‡íi wbU eZ©gvb g~j¨ 10,192 UvKv|
†gvKvwejvi Rb¨ †Kv¤úvwbwU †`‡ki wewfbœ miKvwi I †emiKvwi nvmcvZv‡j K. my‡hvM e¨q Kx? 1
Zv‡ì Drcvw`Z †ek wKQzmsL¨K Aw·‡Rb †fw›U‡jkb hš¿ `vb K‡i‡Q| L. ¯^vaxb cÖK‡íi †ÿ‡Î Kxfv‡e wewb‡qvM wm×všÍ MÖnY Kiv nq? 2
K. eëmvq A_©vqb Kx? 1 M. †mŠi we`y¨r cÖK‡íi cwi‡kvaKvj wbY©q Ki| 3
L. Zvij¨ I gybvdvi g‡a¨ m¤úK© Kxiƒc? e¨vL¨v Ki| 2 N. †`k †U·UvBj wj.-Gi wewb‡qvM wm×všÍ mycvwik Ki| 4
M. DÏxc‡K cÙv B‡j±ªwb· wj.-Gi wm×všÍwU A_©vq‡bi †Kvb Kvh©vewji 8  MvRx G‡MÖv wj. wewb‡qv‡Mi D‡Ï‡k¨ wb‡¤œv³ `ywU cÖKí we‡ePbv Ki‡Q| Zviv
AšÍfz©³? e¨vL¨v Ki| 3 cÖKí g~j¨vq‡bi †ÿ‡Î AevÆvK…Z †KŠkj eënvi K‡i _v‡K|
N. ÒcÙv B‡j±ªwb· wj. mvgvwRK `vqe×Zvi `„wó‡KvY n‡Z ¸iæZ¡c~Y©
weeiY †cvwëª dvg© †WBwi dvg©
f‚wgKv cvjb Ki‡QÓ Dw³wUi h_v_©Zv g~j¨vqb Ki| 4 cÖv_wgK wewb‡qvM 7,50,000 UvKv 7,50,000 UvKv
2  AMÖYx MÖæc wj. ¯^v¯’¨, dvg©vwmDwUK¨vj, nvDwRs, wm‡g›U, B‡j±ªwb· I wcÖ›U
wgwWqv BZ¨vw` Lv‡Z wecyj cwigvY A_© wewb‡qvM K‡i‡Q| eëmvq eQi KicieZ©x wbU gybvdv KicieZ©x wbU gybvdv
m¤úÖmvi‡Yi j‡ÿ¨ †Kv¤úvwbwU wkí gš¿Yvjq †_‡K hvbevnb Drcv`b I 1 80,000 1,00,000
wecYbKvix cÖwZôvb wn‡m‡e †UªWgvK© mb` msMÖn K‡i‡Q| d‡j †Kv¤úvwbwU 2 1,20,000 1,50,000
wbR¯^ eª¨v‡Û evBmvB‡Kj, †gvUimvB‡Kj, evm, UªvK, f¨vbmn AvKvk I 3 1,00,000 80,000
†bŠhvb Drcv`b I wecYb Ki‡Z cvi‡e| GB msev`wU MYgva¨‡g cÖPvi †Kv¤úvwbi me©wb¤œ cÖ‡qvRbxq Av‡qi nvi 28%| D‡jøL¨, †cvwëª dvg©
nIqvi ci †_‡K †kqvievRv‡i †Kv¤úvwbi †kqv‡ii g~j¨ µgvMZ evo‡Q| cÖK‡íi Mo Av‡qi nvi 26.26%|
K. miKvwi A_©vqb Kx? 1 K. bM` cÖevn Kx? 1
L. Ògybvdv m‡e©v”PKiY A‡_©i mgqg~j¨ we‡ePbv K‡i bvÓ e¨vL¨v Ki| 2 L. g~jab ev‡RwUs †Kb ¸iæZ¡c~Y©? e¨vL¨v Ki| 2
M. DÏxc‡K AMÖYx MÖæc wj. eëmvq m¤úÖmvi‡Yi †ÿ‡Î A_©vq‡bi †Kvb M. †cvw›Uª dvg© cÖK‡íi cwi‡kvaKvj wbY©q Ki| 3
bxwZ AbymiY Ki‡Q? e¨vL¨v Ki| 3 N. MvRx G‡MÖv wj.-Gi †Kvb cÖKí MÖnY Kiv DwPZ? MvwYwZKfv‡e hyw³ `vI| 4
N. DÏxc‡K AMÖYx MÖæc wj. wK eëmvq A_©vq‡bi P‚ovšÍ jÿ¨ AR©b 9  AemicÖvß miKvwi Kg©KZ©v Rbve bRiæj Zvi †cbk‡bi UvKv †kqvievRv‡i
Ki‡Z †c‡i‡Q? DË‡ii mc‡ÿ hyw³ `vI| 4 wewb‡qvM Ki‡Z AvMÖnx| wZwb wb‡¤œv³ `ywU †Kv¤úvwbi weMZ Pvi eQ‡ii Avq
3  Rbve Zvbfxi GKwU `yB Zjv feb wbg©vY Ki‡Z Pvb| eZ©gv‡b febwU wbg©vY ch©v‡jvPbv Ki‡Qb :
Ki‡Z 40 jÿ UvKvi cÖ‡qvRb wKš‘ Zvi wbKU 30 jÿ UvKv i‡q‡Q| UvKvi eQi Av‡qi nvi (%)
NvUwZi welqwU †f‡e wZwb evwl©K 9% my‡ì nv‡i myigv e¨vs‡K D³ 30 jÿ Avjxd wj. gxg wj.
UvKv Rgv ivL‡jb| Zvi D‡Ïk¨ n‡jv 5 eQi ci feb wbg©v‡Yi KvR ïiæ 2017 15 20
Ki‡eb| wZwb aviYv Ki‡Qb feb wbg©vY mvgMÖxi evwl©K g~j¨ e„w×i nvi 2%| 2018 10 0
K. A‡_©i mgqg~j¨ Kx? 1 2019 10 10
L. Pµe„w×i msL¨v cwieZ©‡bi d‡j fwel¨r g~‡jï Ici Kx cÖfve 2020 5 10
co‡e? e¨vL¨v Ki| 2 Mo Avq 10 10
M. DÏxc‡K cuvP eQi ci febwU wbg©vY Ki‡Z Rbve Zvbfx‡ii cwiwgZ eëavb .. 8.16
cÖK…Zc‡ÿ †gvU KZ UvKv e¨q n‡e? wbY©q Ki| 3
N. DÏxc‡K Rbve Zvbfxi e¨vs‡K UvKv Rgv ivLvi †h wm×všÍwU wb‡q‡Qb Ab¨w`‡K, Zvi †QvU fvB Kvgiæj jvg †Kv¤úvwb wj.-Gi †kqv‡i wewb‡qvM
†mwU wK Zvi D‡Ïk¨ c~iY Ki‡Z cvi‡e? we‡kølYc~e©K gZvgZ `vI| 4 K‡i‡Qb †hwUi evRvi SzuwKi gvb 1.2| evRvi Avq I SzuwKgy³ Av‡qi nvi
4  Avwmd I Zvwgg `yB eÜy| Avwmd †mvbvjx e¨vs‡K 6% ˆÎgvwmK my‡` 8 jÿ h_vµ‡g 12% I 5%|
UvKv 10 eQ‡ii Rb¨ ¯’vqx AvgvbZ wnmv‡e Rgv iv‡L| Ab¨w`‡K, Zvwgg K. AwbðqZv Kx? 1
cÖwZ gv‡mi ïiæ‡Z 8,000 UvKv K‡i iƒcvjx e¨vs‡K 8% my‡` 10 eQ‡ii L. †cvU©‡dvwjI MV‡bi D‡Ïk¨ Kx? 2
Rb¨ mÂq K‡i| Zv‡ì GK e¨vsKvi eÜy gšÍe¨ K‡ib †h Ò10 eQi ci M. Kvgiæ‡ji cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
Avwm‡di Zzjbvq Zvwg‡gi A_© cÖvwß †ewk n‡e|Ó N. Ògxg wj.-Gi Zzjbvq Avjxd wj.-Gi †kqv‡i wewb‡qvM Kg
K. mgq †iLv Kx? 1 SzuwKc~Y©Ó Dw³wU we‡kølY Ki| 4
L. mg‡qi cwieZ©b eZ©gvb g~j¨‡K Kxfv‡e cÖfvweZ K‡i? e¨vL¨v Ki| 2 10  wg‡mm bvwdmv GKRb Avw_©K we‡kølK| wZwb †kqvievRv‡i wewb‡qvMKvix‡ì
M. DÏxc‡K Rbve Zvwgg `k eQi ci iƒcvjx e¨vsK n‡Z KZ UvKv cÖ‡qvRbxq civgk© w`‡q _v‡Kb| GKRb wewb‡qvMKvix wb‡¤œv³ `ywU wmwKDwiwUi
cv‡eb? wbY©q Ki| 3 g‡a¨ †KvbwU‡Z wewb‡qvM Kiv DwPZ †m wel‡q Zvi Kv‡Q civgk© Pvb :
N. DÏxc‡K Zv‡ì e¨vsKvi eÜy †h gšÍe¨ K‡i‡Qb †mwUi †hŠw³KZv g~j¨vqb Ki| 4 Av‡qi nvi
5  Rbve dqmvj e¨w³MZ Mvwo µ‡qi D‡Ï‡k¨ RbZv wjwRs †Kv¤úvwb wj. n‡Z 10 m¤¢vebv
wmwKDwiwU-P wmwKDwiwU-Q
jÿ UvKv FY MÖnY K‡i‡Qb| F‡Yi my‡ì nvi 10%| wZwb AvMvgx 4 eQie¨vcx .20 .075 .10
cÖwZeQi †k‡l mgcwigvY UvKv F‡Yi wKw¯Í wn‡m‡e cwi‡kva Ki‡eb| .50 .10 .15
K. Kvh©Kix my‡ì nvi Kx? 1
L. fwel¨r g~‡jï Zzjbvq eZ©gvb g~j¨‡K †Kb †ewk AMÖvwaKvi †Ìqv nq? 2 .30 .30 .20
M. Rbve dqmv‡ji F‡Yi wKw¯Í wbY©q Ki| 3 cÖZ¨vwkZ Avq .125 .155
N. ÒFY cwi‡kvwaZ m~wP‡Z Rbve dqmv‡ji cwi‡kvwaZ Avm‡ji cwigvY cwiwgZ eëavb .. 3.5%
µgvMZ e„w× cv‡e|Ó Dw³wUi †hŠw³KZv MvwYwZKfv‡e we‡kølY Ki| 4 wZwb Z_¨vewj we‡kølY K‡i D³ wewb‡qvMKvix‡K Q wmwKDwiwU‡Z wewb‡qvM
6  †e½j cvIqvi wj.-Gi wbKU 10 jÿ UvKvi wewb‡qvM‡hvM¨ Znwej i‡q‡Q| Kivi civgk© †`b|
†Kv¤úvwbi Avw_©K eë¯’vcK wewb‡qv‡Mi D‡Ï‡k¨ wb‡¤œv³ `ywU cÖKí g~j¨vqb K. CAPM Kx? 1
Ki‡Qb : L. †gvU gybvdvi Dcv`vbmg~n Kx? e¨vL¨v Ki| 2
cÖKí/eQi 0 1 2 3 NPV IRR M. P wmwKDwiwUi Av‡qi cwiwgZ eëavb wbY©q Ki| 3
M (6,00,000) 1,00,000 3,00,000 4,00,000 39,370 .. N. DÏxc‡K wg‡mm bvwdmv wewb‡qvMKvix‡K †h civgk© w`‡q‡Qb †mwUi
N (7,50,000) 5,00,000 2,50,000 1,50,000 .. 12.40% †hŠw³KZv g~j¨vqb Ki| 4
†Kv¤úvwbi me©wb¤œ cÖ‡qvRbxq Av‡qi nvi 10%| 11  Rbve wiqvR MZ eQi `ywU wmwKDwiwUi mgš^‡q GKwU †cvU©‡dvwjI MVb
K. g~jab †ikwbs Kx? 1 K‡ib †hLv‡b Zvi †cvU©‡dvwjI SzuwK wQj 15%| eZ©gv‡b wZwb wb‡¤œv³ `ywU
L. ci¯úi eR©bkxj cÖK‡íi †ÿ‡Î Kxfv‡e wewb‡qvM wm×všÍ MÖnY Kiv nq? 2 wmwKDwiwUi mgš^‡q bZzb †cvU©‡dvwjI MVb Ki‡Z AvMÖnx :
M. cÖKí-N Gi NPV wbY©q Ki| 3 wmwKDwiwU-A E(RA) = 7.5% A = 10% A = 40%
N. IRR Gi wfwË‡Z †e½j cvIqvi wj.-Gi wewb‡qvM wm×všÍ mycvwik Ki| 4 wmwKDwiwU-B E(RB) = 10% B = 20% B = 60%
7  †`k †U·UvBj wj.-Gi wbKU 5,00,000 UvKv Av‡Q| wb‡¤œv³ `ywU cÖK‡í A I B wmwKDwiwUi mnm¤^Ü 0.30
†Kv¤úvwbi wewb‡qvM my‡hvM i‡q‡Q : K. SzuwKgy³ Av‡qi nvi Kx? 1
eQi KicieZ©x bM` AvšÍtcÖevn L. evRvi SzuwK wK cwinvi‡hvM¨? e¨vL¨v Ki| 2
†mŠi we`y¨r Rj we`y¨r M. Rbve wiqv‡Ri bZzb †cvU©‡dvwjI Av‡qi nvi wbY©q Ki| 3
0 (1,80,000) (3,00,000) N. DÏxc‡K Rbve wiqv‡Ri bZzb †cvU©‡dvwjI MVb wK Zvi Rb¨ Kg
1 60,000 1,00,000 SzuwKc~Y© n‡e? MvwYwZK we‡køl‡Yi wfwË‡Z gZvgZ `vI| 4

1  Rbve †mwjg GKUv Avw_©K cÖwZôv‡bi eë¯’vcK| wZwb evwl©K cwiKíbvi K. wewa Ô72Õ Kx? 1
AvIZvq Zvi cÖwZôv‡bi A‡_©i ms¯’vbmn †Kvb Drm †ewk jvfRbK n‡e Zv L. mvaviY evwl©K e„wË ej‡Z Kx †evS? 2
wbY©q K‡ib| AZtci h_vmg‡q A_© cÖvwßi welqwU wbwðZ K‡ib| †h‡Kv‡bv M. hgybv e¨vsK wj. n‡Z 10 eQi ci Avinvb KZ UvKv cv‡e Zv wbY©q Ki| 3
cÖKí MÖn‡Yi †ÿ‡Î wZwb cÖ_‡gB †mLv‡b Rwg µq, feb wbg©vY, †gwkb N. †Zvgvi g‡Z Avinv‡bi †Kvb e¨vs‡K A_© Rgv ivLv DwPZ? gZvgZ `vI| 4
µqmn `xN©‡gqvw` LiP Kx Ki‡Z n‡e Zv wnmv‡e Av‡bb| cÖZ¨vwkZ Avq Kx 7  Rbve wgj‡bi nv‡Z `yÕwU cÖK‡íi cÖ¯Íve i‡q‡Q| Dfq cÖK‡íi cÖv_wgK e¨q
n‡e †m¸‡jvI wnmv‡e wb‡q Av‡mb| †mB Av‡jv‡K KZ…©cÿ wm×všÍ MÖnY K‡i| 50,000 UvKv| evÆvi nvi 10%| cÖKí n‡Z wZwb 5 eQ‡i wb¤œwjwLZ bM`
K. eëmvq A_©vqb Kx? 1 cÖevn Avkv Ki‡Qb :
L. A_©vq‡b êwPÎ¨vq‡bi bxwZ †Kb AbymiY Kiv nq? 2 eQi 1 2 3 4 5
M. DÏxc‡Ki eY©bv Abyhvqx Rbve †mwjg cÖ_gZ A_©vq‡bi †Kvb KvR bM` cÖevn (cÖKí-K) 18,00 10,000 17,000 19,000 12,000
K‡ib Zv e¨vL¨v Ki| 3 0
N. Rbve †mwjg †Kv‡bv b~Zb cÖKí MÖn‡Y g~jab ev‡RwUs K‡ib Zzwg bM` cÖevn (cÖKí-L) 10,000 15,000 15,000 14,000 9,000
Kx G e³‡eï mv‡_ GKgZ? gZvg‡Zi mc‡ÿ hyw³ `vI| 4 K. cwi‡kvaKvj Kx? 1
2  Rbve Av`bvb GKRb cvBKvwi eëmvqx| Zvi A`~i`wk©Zvi Kvi‡Y L. g~jab ev‡RwUs †Kb Kiv nq? e¨vL¨v Ki| 2
†Kv¤úvwb‡Z KL‡bv KuvPvgvj µ‡qi A_© _vKZ bv, Avevi KL‡bv cY¨ M. cÖKí-K Gi wbU eZ©gvb g~j¨ wbY©q Ki| 3
†MvWvD‡b i‡q †hZ| GRb¨ wZwb eëmv‡qi A_©eë¯’v wKQzUv cwieZ©b N. wbU eZ©gvb g~‡jï wfwË‡Z cÖK‡íi MÖnY‡hvM¨Zv hvPvB Ki| 4
K‡ib| GLb wZwb Avkvbyiƒc gybvdv cv‡”Qb| wZwb GLb eëmvq 8  Rbve Rwbi nv‡Z GKwU wewb‡qvM cÖKí i‡q‡Q| cÖK‡íi cÖv_wgK wewb‡qvM
m¤úÖmvi‡Yi cvkvcvwk m¤úÌ e„w× Ki‡Z †c‡i‡Qb| 1,50,000 UvKv Ges AvMvgx‡Z 3 (wZb) eQ‡i evwl©K bM` KicieZ©x
K. Zvij¨ Kx? 1 gybvdv h_vµ‡g 40,000, 55,000 I 45,000 UvKv| g~jab e¨q 12%|
L. SzuwK I gybvdvi m¤úK© e¨vL¨v Ki| 2 Rbve Rwb wbU eZ©gvb g~j¨ c×wZ (NPV) eënvi K‡i cÖK‡íi Av‡qi nvi
M. Rbve Av`bvb †Kvb bxwZ AbymiY Kivq Avkvbyiƒc dj cv‡”Qb? m¤ú‡K© wbwðZ n‡Z Pvb|
e¨vL¨v Ki| 3 K. ¯^vaxb cÖKí Kx? 1
N. Rbve Av`bvb eëmv‡qi g~j jÿ¨ AR©b Ki‡Z †c‡i‡Qb Kx? hyw³ †`LvI| 4 L. Mo gybvdvi nvi ej‡Z Kx †evSvq? 2
3  wg. iwng I wg. Kwig `yBRb eÜy XvKv wek¦we`¨vjq †_‡K wdb¨vÝ I e¨vswKs M. cÖK‡íi Mo gybvdv nvi wbY©q Ki| 3
wel‡q cov‡jLv Ki‡Qb| Zviv `yBRb wg‡j wm×všÍ wbj †h, Df‡q Zv‡ì N. Rbve Rwbi cÖKíwU Kx MÖnY Kiv DwPZ? hyw³ †`LvI| 4
wUDkwbi msM„nxZ UvKv w`‡q †kqvievRv‡i wewb‡qvM Ki‡e| wg. iwng Zvi 9  Rbve ivnvZ KY©dzwj †ccvi wj.-Gi Avw_©K eë¯’vcK| Zvi nv‡Z ci¯úi
cyuwR w`‡q GKwUgvÎ †Kv¤úvwbi †kqvi µq Kij| Ab¨w`‡K, wg. Kwig Zvi eR©bkxj `ywU wewb‡qvM cÖKí i‡q‡Q| cÖwZwU cÖK‡íi cÖv_wgK wewb‡qvM
cyuwR w`‡q cuvPwU †Kv¤úvwbi †kqvi µq K‡ib| 1,50,000 UvKv| evÆvi nvi 15%| Rbve ivnvZ evÆvK…Z bM` cÖevn
K. miKvwi A_©vqb Kx? 1 c×wZ eënvi K‡ib| Dfq cÖK‡íi bM` AvšÍtcÖevn wb‡¤œ †Ìqv n‡jv :
L. m¤ú` me©vwaKiY ej‡Z Kx †evSvq? 2 bM` AvšÍtcÖevn
M. wg. Kwig wewb‡qv‡Mi †ÿ‡Î A_©vq‡bi †Kvb bxwZwU AbymiY K‡i‡Q? eQi
cÖKí-K cÖKí-L
e¨vL¨v Ki| 3 1 75,000 70,000
N. DÏxc‡Ki Av‡jv‡K †kqvievRv‡i wewb‡qv‡Mi †ÿ‡Î Kvi wewb‡qvM 2 70,000 45,000
AwaK †hŠw³K e‡j g‡b Ki? DÏxcK we‡kølYc~e©K gZvgZ `vI| 4 3 50,000 40,000
4  mvjgv GKwU j¨vcUc µ‡qi wPšÍv-fvebv Ki‡Qb| j¨vcUcwU µq Ki‡Z
K. ARR-Gi c~Y©iƒc Kx? 1
bM` 90,000 UvKv cÖ‡qvRb| mvjgv j¨vcUc µ‡qi Rb¨ `ywU weK‡íi K_v
L. cÖKí KZ cÖKvi? 2
fve‡Qb| cÖ_g weKí n‡jv m¤ú~Y© bM‡` cwi‡kva K‡i †Ìqv, wØZxq weKí
M. ÔKÕ-cÖKí n‡Z KZ eQ‡i g~jab †diZ cvIqv hv‡e? 3
n‡jv 50% bM‡` Ges evwK UvKv evwl©K 4,500 UvKv wKw¯Í‡Z 10 eQ‡i
N. wbU eZ©gvb g~j¨ we‡ePbvq Rbve ivnv‡Zi Rb¨ wewb‡qvM wm×všÍ
cwi‡kva K‡i †Ìqv| G‡ÿ‡Î mvjgvi my‡hvM e¨q 12%|
mycvwik Ki| 4
10  kwdK I Rvgvj `yB eÜy cÖ‡Z¨‡K 20 jÿ UvKv K‡i †kqvievRv‡i wewb‡qvM
L. Pµe„w×i msL¨v e„w× †c‡j A‡_©i fwel¨r g~‡jï Ici Kx cÖfve c‡o? 2
K‡ib| kwdK 20 jÿ UvKvi m¤ú~Y© A †Kv¤úvwbi †kqv‡i wewb‡qvM K‡ib|
M. DÏxc‡K DwjøwLZ mvjgv †h evwl©K wKw¯Í cÖ`vb Ki‡eb Zvi eZ©gvb
Rvgvj 10 jÿ UvKv A †Kv¤úvwbi †kqv‡i Ges 10 jÿ UvKv B †Kv¤úvwbi
g~j¨ KZ? 3
†kqv‡i wewb‡qvM K‡ib|
N. mvjgvi †Kvb weKíwU MÖnY Kiv DwPZ Ges †Kb? 4
K. Avw_©K SzuwK Kx? 1
5  Rbve †mivRyj GKwU evwo Ki‡Z Pvb| eZ©gv‡b evwowU ˆZwi Ki‡Z 70 jÿ
L. AwbðqZv ej‡Z Kx †evSvq? 2
UvKv cÖ‡qvRb| Zvi nv‡Z eZ©gv‡b 30 jÿ UvKv Av‡Q| A‡_©i NvUwZi K_v
wPšÍv K‡i wZwb TRUST e¨vs‡K 30 jÿ UvKv 10% my‡` Rgv ivL‡jb| M. Rvgv‡ji wewb‡qvM †KŠkj‡K Kx bv‡g AwfwnZ Kiv nq? e¨vL¨v Ki| 3
D‡Ïk¨ 7 eQi ci wZwb evwowU Ki‡eb| AZxZ AwfÁZv †_‡K a‡i †bIqv N. kwdK I Rvgv‡ji wewb‡qv‡Mi g‡a¨ Kvi wewb‡qvM SzuwK Kg? we‡kølY Ki| 4
n‡”Q evwo ˆZwii wbg©vY mvgMÖxi g~j¨ e„w×i mvaviY nvi 5%| 11  wb‡Pi `ywU cÖK‡íi cÖZ¨vwkZ Avq I m¤¢vebv †Ìqv n‡jv :
K. A‡_©i eZ©gvb g~j¨ Kx? 1 cÖZ¨vwkZ Avq (%)
m¤¢vebv
L. Pµe„w×KiY ej‡Z Kx †evSvq? 2 cÖKí-1 cÖKí-2
M. 7 eQi ci evwowU ˆZwi Ki‡Z KZ UvKv Li‡P n‡e? 3 0.35 05 15
N. Rbve †mivRyj Kx RgvK…Z UvKv w`‡q evwo ˆZwi Ki‡Z cvi‡eb? 0.25 16 20
†Zvgvi DË‡ii mc‡ÿ hyw³ †`LvI| 4 0.40 20 25
6  Avinvb jUvwi‡Z weRqx n‡q 20 jÿ UvKv †cj| G UvKv Ajmfv‡e †d‡j bv K. eëmvq SzuwK Kx? 1
†i‡L e¨s‡K ivL‡Z Pvq| ZvB Avinvb 20 jÿ UvKv e¨vs‡K ¯’vqx wnmv‡e Rgv L. cÖZ¨vwkZ Av‡qi nvi ej‡Z Kx †evSvq? 2
ivL‡Z Pvq| †m Rvb‡Z cvij, hgybv e¨vsK wj. 12% nv‡i evwl©K Pµe„w× my` M. cÖKí-2 Gi Av`k© wePz¨wZ wbY©q Ki| 3
cÖ`vb K‡i Ges Gwe e¨vsK wj. 10% nv‡i gvwmK Pµe„w× my` cÖ`vb K‡i| N. we‡f`v¼ (CV) we‡ePbvq †Kvb cÖK‡íi SzuwK Kg? we‡kølY Ki| 4

1  evsjv‡`k miKvi cÙv †mZz wbg©v‡Yi Rb¨ wek¦e¨vs‡Ki mv‡_ GKwU FYPzw³ 3 90,000
m¤úv`‡bi D‡`¨vM MÖnY K‡iwQj| wKšÍy wek¦e¨vsK FY gÄy‡ii †ÿ‡Î KwVb 4 1,00,000
kZ© Av‡ivc Kivq evsjv‡`k miKvi A_©vq‡bi weKí Drm wn‡m‡e wbR¯^ K. g~jab †ikwbs Kx? 1
A_©vq‡bi K_v fvej| miKvi wbR¯^ Ges †emiKvwi mnvqZvq A_©vq‡bi L. my‡hvM e¨q ej‡Z Kx †evSvq? 2
gva¨‡g †mZzwU wbg©v‡Yi D‡`¨vM wbj| M. DÏxc‡Ki Av‡jv‡K cÖKíwUi Mo gybvdvi nvi (ARR) wbY©q Ki| 3
K. Zvij¨ bxwZ Kx? 1 N. DÏxc‡Ki Av‡jv‡K cÖKíwUi Af¨šÍixY gybvdvi nvi (IRR) wbY©q
L. A_©vqb‡K eëmv‡qi g~j PvwjKvkw³ ejv nq †Kb? 2 KiZ cÖK‡íi MÖnY‡hvM¨Zvi Ici gšÍe¨ Ki| 4
M. cÙv †mZz wbg©v‡Yi Rb¨ cÖ_‡g †Kvb ai‡bi A_©vq‡bi D‡`¨vM MÖnY 8  Avjdv †Kv¤úvwbi wewb‡qvM cÖKí wb¤œiƒc :
Kiv nq? eY©bv Ki| 3 cÖK‡íi cÖv_wgK wewb‡qvM : 1,00,000 UvKv
N. cÙv †mZz wbg©v‡Y weKí A_©vq‡bi D‡`¨vM MÖnY eë¯’v hyw³msMZ cÖK‡íi †gqv` : 5 eQi
wKbv? we‡kølY Ki| 4 fMœve‡kl g~j¨ : k~b¨
2  Kzwkqviv †Kv¤úvwb wj.-Gi †kqvicÖwZ Avq 20 UvKv, jf¨vsk eÈ‡bi nvi KicieZ©x bM` cÖevn :
100%| cÿvšÍ‡i, gayLvjx †Kv¤úvwb wj.-Gi †kqvicÖwZ Avq 30 UvKv,
eQi bM` cÖevn (UvKv)
jf¨vsk eÈ‡bi nvi 25%| GQvovI gayLvjx †Kv¤úvwb wj. †`‡ki wewfbœ
†mŠ›`h©ea©b cÖK‡íi Rb¨ Avw_©K Aby`vb †`q Ges Mwie I †gavex 1g 70,000
wkÿv_©x‡ì e„wË cÖ`vb K‡i _v‡K| 2q 40,000
K. EPS Kx? 1 3q 30,000
L. Òm¤ú` m‡e©v”PKiY gybvdv m‡e©v”PKi‡Yi †P‡q DËg|Ó †Kb? 2 4_© 40,000
M. gayLvjx †Kv¤úvwb wj. †Kvb ai‡bi `vwqZ¡ cvjb Ki‡Q Zv eY©bv Ki| 3 5g 50,000
N. †Kvb †Kv¤úvwbwU m¤ú` m‡e©v”PKi‡Yi Dci †ewk ¸iæZ¡ w`‡q‡Q e‡j †Kv¤úvwbi g~jab e¨q 10%| cÖK‡íi AePq w¯’i wKw¯Í c×wZ‡Z wnmvefz³
Zzwg g‡b Ki? hyw³ cÖ`k©b Ki| 4 nq| †Kv¤úvwbi Kinvi 50%|
3  nvwm I Lywk `yB †evb| nvwm †gNbv e¨vs‡K eQ‡ii ïiæ‡Z 10% my‡` Ges K. g~jab ev‡RwUs Kx? 1
Lywk myigv e¨vs‡K eQ‡ii †k‡l 12.5% my‡` 10,000 UvKv K‡i Rgv †`q| L. wewa-72 †Kvb †ÿ‡Î eënvi Kiv nq? 2
K. evwl©K e„wË Kx? 1 M. DÏxc‡Ki Z‡_ï Av‡jv‡K cÖKíwUi wbU eZ©gvb g~j¨ (NPV) wbY©q Ki| 3
L. mvaviY evwl©K e„wË Ges AwMÖg evwl©K e„wË ej‡Z Kx †evS? e¨vL¨v Ki| 2 N. Avjdv †Kv¤úvwbi D³ cÖKíwU‡Z wewb‡qvM Kivi ev bv Kivi
M. DÏxc‡Ki nvwm †gqv`v‡šÍ KZ UvKv cv‡eb? 3 †hvM¨Zv wePvi Ki| 4
N. DÏxc‡Ki Av‡jv‡K †gqv`v‡šÍ †K †ewk UvKv cv‡eb? MvwYwZK 9  ÷K-A Ges ÷K-B Gi m¤¢vebvi nvi Ges Av‡qi nvi wb¤œiƒc :
mgvavb K‡i gZvgZ †ck Ki| 4 Av‡qi nvi
4  Rbve igRvb Avjx Avjdv e¨vsK †_‡K 14% my‡` 25,000 UvKv FY MÖnY m¤¢vebv
÷K-A ÷K-B
K‡iwQ‡jb hv my`vm‡j mgvb 4wU evwl©K wKw¯Í‡Z cwi‡kvwaZ n‡qwQj| .25 .30 .10
K. A‡_©i mgqg~j¨ Kx? 1 .15 .10 .20
L. ÒA‡_©i eZ©gvb g~j¨ fwel¨r g~‡jï Zzjbvq AwaK cQ›`bxq|Ó †Kb? 2 .40 .25 .15
M. evwl©K F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3 .20 .15 .25
N. wKw¯Íi UvKv cÖwZeQ‡ii ïiæ‡Z cwi‡kva Ki‡j F‡Yi wKw¯Íi cwigvY K. SzuwK Kx? 1
KZ n‡e Zv wbY©qc~e©K FY cwi‡kva ZvwjKv ˆZwi Ki| 4 L. †cvU©‡dvwjI bxwZ AbymiY Ki‡j SzuwK wK n«vm cvq? 2
5  wg‡mm †Rwggv 15,00,000 UvKv e¨vs‡K wewb‡qvM Ki‡Z Pvb| Zvi eo M. DÏxc‡Ki Av‡jv‡K ÷K-A Gi wePz¨wZ wbY©q Ki| 3
fvB wg. Mdzi Zv‡K †WjUv e¨vs‡K D³ UvKv wewb‡qv‡Mi civgk© †`b †hLvb N. DÏxc‡Ki †Kvb ÷‡K wewb‡qvM Kg SzuwKc~Y©? we‡f`v¼ wbY©qc~e©K
†_‡K 6 eQ‡i 20,00,000 UvKv cv‡eb| wKšÍy Mvgv e¨vs‡K wewb‡qvM Ki‡j we‡kølY Ki| 4
5 eQ‡i 18,00,000 UvKv cv‡eb|
10  wg‡mm nvmbv‡nbv GKRb bZzb wewb‡qvMKvix| wZwb †kqvievRv‡i wewb‡qvM
K. wewa-69 Kx? 1
Ki‡Z AvMÖnx| †kqvievRvi †_‡K wZwb wjkv dzW&m Ges wbkv Mv‡g©‡›U‡mi weMZ
L. bvwgK I Kvh©Kix my‡ì nvi KLb GK nq? 2
5 eQ‡ii gybvdvR©bmsµvšÍ Z_¨ msMÖn Ki‡jb| msM„nxZ Z_¨mg~n wb¤œiƒc :
M. DÏxc‡Ki Av‡jv‡K †WjUv e¨vs‡Ki cÖ`Ë my‡ì nvi wbY©q Ki| 3
N. wg‡mm †Rwggvi Rb¨ DÏxc‡K DwjøwLZ †Kvb e¨vs‡K wewb‡qvM Ki‡j gybvdvR©b nvi
eQi
†ewk jvfRbK n‡e e‡j Zzwg g‡b Ki? 4 wjkv dzW&m wbkv Mv‡g©›Um
6  Rbve Aviwm cv‡ji nv‡Z `ywU cÖK‡íi cÖ¯Íve i‡q‡Q| Dfq cÖK‡íi cÖv_wgK 1 15% 25%
e¨q 40,000 UvKv| cÖKí n‡Z AvMvgx 5 eQ‡ii Ki cieZ©x m¤¢ve¨ bM` 2 17% 15%
cÖevn wb‡¤œi Q‡Ki gva¨‡g †`Lv‡bv n‡jv : 3 19% 32%
bM` cÖevn/eQi 1 2 3 4 5 4 21% 10%
cÖKí-K 8,000 10,000 7,000 9,000 12,000 5 23% 18%
cÖKí-L 7,000 14,000 6,000 13,000 4,000 K. Avw_©K SzuwK Kx? 1
evÆvi nvi 10%| L. Ôgybvdv n‡jv SzuwK MÖn‡Yi cyi¯‹viÕ e¨vL¨v Ki| 2
K. ¯^vaxb cÖKí Kx? 1 M. wjkv dzW&m Gi cwiwgZ eëavb DÏxc‡K cÖ`Ë Z‡_ï wfwË‡Z wbY©q Ki| 3
L. AvaywbKKv‡j PBP †Kb MÖnY‡hvM¨Zv nviv‡”Q? 2 N. DÏxc‡Ki Av‡jv‡K wg‡mm nvmbv‡nbvi wewb‡qvM m¤¢ve¨Zv wePvi Ki| 4
M. cÖKí-K Gi cwi‡kvaKvj wbY©q Ki| 3 11  Rbve Avãyi ingvb wgTv AvKvk †Uj †Kv¤úvwbi eë¯’vcK| KuvPvgv‡ji g~j¨
N. cÖKíØ‡qi wbU eZ©gvb g~‡jï wfwË‡Z cÖK‡íi MÖnY‡hvM¨Zv hvPvB Ki| 4 K‡g hvIqvq AwaK gybvdvi Avkvq wZwb †Kv¤úvwbi †gvU g~ja‡bi wmsnfvM
7  wg. X GKwU †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb GKwU bZzb cÖK‡í w`‡q †Kv¤úvwbi Rb¨ KuvPvgvj wK‡b iv‡Lb| wKšÍy K‡qK gvm ci wZwb †ekwKQz
wewb‡qv‡Mi wPšÍv Ki‡Qb| cÖK‡íi cÖv_wgK cÖv°wjZ bM` ewntcÖevn (NCO) mgm¨vi m¤§yLxb nb| G‡Z †Kv¤úvwbi mybvg gvivÍKfv‡e ÿwZMÖ¯Í nq|
2,50,000 UvKv| 4 eQi †gqvw` G cÖK‡íi fMœve‡kl g~j¨ k~b¨| †Kv¤úvwb K. eëmvq A_©ms¯’vb Kx? 1
w¯’i wKw¯Í c×wZ‡Z AePq avh© K‡i cÖ‡qvRbxq Av‡qi nvi 10% Ges L. eëmv‡q ˆbwZKZv ej‡Z Kx †evSvq? 2
K‡c©v‡iU Ki nvi 40%| cÖKíwUi Kic~e© cÖv°wjZ bM` AvšÍtcÖevn wb¤œiƒc : M. DÏxcK Abyhvqx Rbve Avãyi ingvb g~jZ Kx Kx mgm¨vi m¤§yLxb
eQi Kic~e© bM` AvšÍtcÖevn n‡qwQ‡jb? e¨vL¨v Ki| 3
1 90,000 N. A_©ms¯’v‡bi †Kvb bxwZ bv gvbvi Kvi‡Y Zv‡K G mKj mgm¨vi
2 80,000 m¤§yLxb n‡Z n‡qwQj? DÏxc‡Ki Av‡jv‡K gšÍe¨ Ki| 4
GBPGmwm cix¶vi cÖkœcÎ I DËigvjv : eûwbe©vPwb

19 XvKv †evW© 2022 welq †KvW : 2 9 2
mgq20 wgwbU wdb¨vÝ, e¨vswKs I wegv cÖ_g cÎ eûwbe©vPwb Afxÿv c~Y©gvb15
[we‡kl `ªóe¨ : mieivnK…Z eûwbe©vPwb Afxÿvi DËic‡Î cÖ‡kœi µwgK b¤^‡ii wecix‡Z cÖ`Ë eY©msewjZ e„Ëmg~n n‡Z mwVK/ m‡e©vrK…ó DË‡ii e„ËwU ej c‡q›U Kjg
Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| †h‡Kv‡bv 15wU cÖ‡kœi DËi `vI| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|]
1. GKwU dv‡g©i A_©vq‡bi P‚ovšÍ jÿ¨ †KvbwU? 11. wb‡Pi Drmmg~‡ni g‡a¨ †KvbwUi A_©vq‡bi 21. KuvPvgv‡ji ì n«vm e„w×i d‡j eëmv‡q †Kvb
K gybvdv me©vwaKiY L m¤ú` me©vwaKiY LiP me©wb¤œ nq? ai‡bi SzuwKi m„wó nq?
M mvgvwRK Kj¨vY N eëmvq m¤úÖmviY K AMÖvwaKvi †kqvi L eÛ K eëmvq SzuwK L Avw_©K SzuwK
2. wewb‡qvMK…Z A‡_©i eZ©gvb g~j¨ I fwel¨r g~j¨ M msiwÿZ gybvdv N mvaviY †kqvi M Zvij¨ SzuwK N evRvi SzuwK
KLb mgvb n‡e?  DÏxcKwU c‡o 12bs cÖ‡kœi DËi `vI : 22. SzuwKc~Y© wewb‡qv‡Mi gva¨‡g cÖvß AwZwi³
K †gqv`Kvj k~b¨ n‡j e‡Ûi AwfwnZ g~j¨ 800 UvKv, evRvig~j¨ 640 Avq‡K Kx ejv nq?
L †gqv`Kvj 1 eQi n‡j UvKv Ges ermiv‡šÍ my‡ì cwigvY 32 UvKv| K SzuwK Avq L SzuwK wcÖwgqvg
M my‡ì nvi 1% n‡j 12. my‡ì nvi KZ? M SzuwK gybvdv N wewb‡qvM Avq
N evwl©K Pµe„w×i msL¨v 1 n‡j K 3.20% L 4% 23. Kvh©Kix my‡ì nvi bvwgK my‡ì nvi A‡cÿv
3. wPi¯’vqx e„wË‡Z Awbw`©ó _v‡K †KvbwU? M 5% N 6.4% †ewk nq KviY
K A_© cÖev‡ni cwigvY 13. wbw`©ó Avq cÖZ¨vkx wewb‡qvMKvix‡ì wewb‡qvM i. wbw`©ó mgq ci ci my` MYbv Kiv nq
L A_© cÖev‡ni mgq eëavb ii. cÖv_wgK Rgvi Dci my` MYbv Kiv nq
Kiv DwPZ
M A_© cÖev‡ni me©‡kl mgqmxgv iii. my`vm‡ji Dci my` MYbv Kiv nq
i. mvaviY †kqv‡i
N my‡ì nvi wb‡Pi †KvbwU mwVK?
ii. AMÖvwaKvi †kqv‡i
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : iii. Kzcb e‡Û K i I ii L i I iii M ii I iii N i, ii I iii
†d¬viv †Kvs 1,00,000 UvKvq GKwU †gwkb µq wb‡Pi †KvbwU mwVK?  DÏxcKwU c‡o 24 I 25bs cÖ‡kœi DËi `vI :
K‡i hvi ms¯’vcb e¨q 20,000 UvKv| K i I ii L i I iii M ii I iii N i, ii I iii weeiY wmwKDwiwU-X wmwKDwiwU-Y
†gwkbwUi Avqy®‹vj 5 eQi Ges fMœve‡kl g~j¨ 14. wb‡Pi †Kvb ai‡bi SzuwK wewb‡qvMKvixi cÖZ¨vwkZ Av‡qi nvi 15% 20%
10,000 UvKv| †gwkbwU eënv‡ii d‡j wbqš¿‡Y _v‡K? cwiwgZ eëavb 5% 8%
cÖwZeQi wbU gybvdv cvIqv hv‡e h_vµ‡g K Avw_©K L evRvi we‡f`v¼ 33.33% ?
22,000 UvKv; 20,000 UvKv; 15,000 UvKv; M dUKv N Acwinvi‡hvM¨
10,000 UvKv I 17,000 UvKv| 24. wmwKDwiwU- Y Gi we‡f`v¼ wb‡Pi †KvbwU?
4. mij‰iwLK c×wZ‡Z †gwkbwUi evrmwiK AePq  DÏxcKwU c‡o 15bs cÖ‡kœi DËi `vI : K 30% L 33% M 35% N 40%
KZ UvKv? Rbve wjUb 50 UvKvq cÖ w ZwU †kqvi µq K‡i 25. wmwKDwiwU-Y n‡jv
K 20,000 L 22,000 60 UvKvq weµq K‡ib| wZwb †kqvi cÖwZ 5 i. †ewk SzuwKc~Y©
M 24,000 N 25,000 UvKv nv‡i jf¨vsk cvb| ii. Kg SzuwKc~Y©
5. †gwkbwUi Mo wewb‡qvM DcvR©b nvi KZ? 15. Rbve wjU‡bi †gvU Av‡qi nvi KZ? iii. †ewk Avqhy³
K 20.84% L 25.84% K 10% L 20% M 25% N 30% wb‡Pi †KvbwU mwVK?
M 28.00% N 33.60% 16. cÖKí g~j¨vq‡bi me©vwaK MÖnY‡hvM¨ c×wZ †KvbwU? K i I ii L ii I iii M i I iii N i, ii I iii
K NPV L IRR M ARR N PBP 26. weªR †jvb Kx?
6. mij my` Kx‡mi Dci wfwË K‡i wnmve Kiv nq?
K Avmj L my`vmj  DÏxcKwU c‡o 17 I 18bs cÖ‡kœi DËi `vI : K AšÍe©Z©xKvjxb ¯^í‡gqvw` FY
M gybvdv N e¨q Rbve Zvmwbg 70,000 UvKv wewb‡qv‡Mi Rb¨ L `xN©‡gqvw` FY
7. A_©vq‡bi mv‡_ A_©bxwZi †Kvb kvLvi AwaKZi 2wU ci¯úi eR©bkxj cÖKí n‡Z DËg cÖKíwU M eÜwK FY N weªR ˆZwii FY
m¤úK© Av‡Q? evQvB Ki‡Z Pvb| evÆvi nvi 10%| cÖKí  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
K e¨wóK L mvgwóK `ywUi Z_¨vewj wb¤œiƒc : AMÖYx wj. 10% nvi my‡` mvbgyb e¨vsK †_‡K
M †fv³v AvPiY N e¨w³MZ Avq weeiY cÖKí-K cÖKí-L 50,000 UvKv FY wb‡q eëmvq cwiPvjbv K‡i
8. A_©vq‡bi we‡eP¨ welq cÖv_wgK wewb‡qvM 50,000 UvKv 60,000 UvKv 10,000 UvKv gybvdv K‡ib| cwiPvjbv cl©‡ì
i. A‡_©i cwigvY wba©viY bM` AvšÍtcÖevn 15,000 UvKv 17,000 wm×všÍ Abyhvqx †Kv¤úvwb mgy`q gybvdv
ii. A‡_©i Drm wba©viY (15) eQi UvKv †kqvi‡nvìvi‡ì g‡a¨ AvbycvwZK nv‡i eÈb
iii. A_© msMÖn I mwVK eënvi wbU eZ©gvb g~j¨ 6,865 UvKv  K‡i| cieZ©x eQi cÖwZôvbwU gRywi cwi‡kva
wb‡Pi †KvbwU mwVK? Ki‡Z wM‡q bM` A‡_©i msK‡U c‡o|
17. cÖKí ÔLÕ Gi cyuwR †diZKvj KZ? 27. AMÖYx wj. A_©vq‡bi †Kvb bxwZwU AbymiY bv Kivq
K i I ii L i I iii M ii I iii N i, ii I iii
K 3.35 eQi L 3.53 eQi gRywi cwi‡kv‡ai †ÿ‡Î bM` A‡_©i msK‡U c‡o?
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : M 4.12 eQi N 4.21 eQi
Rbve iwdK 5 eQi ci 80,000 UvKvq GKwU 18. cÖKíØ‡qi †ÿ‡Î K SzuwK I gybvdv bxwZ L Zvij¨ I gybvdv bxwZ
†gvUi mvB‡Kj wKb‡Z AvMÖnx| GRb¨ wZwb M A‡_©i mgqg~j¨ bxwZ N êwPÎ¨KiY bxwZ
i. ÔKÕ cÖKíwUi †c-e¨vK mgq Kg 28. DÏxc‡Ki AMÖYx wj. Gi M„nxZ wm×všÍ¸‡jvi
eZ©gv‡b wbw`©ó cwigvY A_© e¨vs‡K Rgv ivL‡Z
ii. ÔLÕ cÖKíwUi †c-e¨vK mgq †ewk mv‡_ m¤úK© i‡q‡Q
Pvb| RbZv e¨vs‡K Rgv ivL‡j evwl©K 8%
iii. ÔKÕ cÖKíwUi wbU eZ©gvb g~j¨ †ewk i. A_©vq‡bi
nv‡i my` cvIqv hv‡e Ges c~evjx e¨vs‡K Rgv
ivL‡j 7% nv‡i Aa©evwl©Kx my` cvIqv hv‡e| wb‡Pi †KvbwU mwVK? ii. wewb‡qv‡Mi
9. RbZv e¨vs‡K eZ©gv‡b KZ UvKv Rgv ivL‡Z n‡e? K i I ii L i I iii M ii I iii N i, ii I iii iii. jf¨vs‡ki
K 40,450 L 45,450 19. wbw`©ó mgq c‡i ev c~‡e© aviK †Kvb eÛ wb‡Pi †KvbwU mwVK?
M 50,447 N 54,447 cwi‡kv‡ai Rb¨ †Kv¤úvwb‡K Aby‡iva Rvbv‡Z K i I ii L i I iii M ii I iii N i, ii I iii
10. wb‡Pi †KvbwU Rbve iwd‡Ki Rb¨ mwVK? cv‡i? 29. wb‡Pi †KvbwU GKwU dv‡g©i Avw_©K SzuwK m„wó K‡i?
K RbZv e¨vs‡K Kg A_© Rgv ivL‡Z n‡e K gU©‡MR eÛ L Kzcb eÛ K eÛ Bmy¨ L †kqvi Bmy¨
L c~evjx e¨vs‡K Kg A_© Rgv ivL‡Z n‡e M cwi‡kva¨ eÛ N cyU eÛ M eÛ cwi‡kva N cÖhyw³i cwieZ©b
M Dfq e¨vs‡K GKB cwigvY A_© Rgv ivL‡Z n‡e 20. w¯’i cÖwZ`vbhy³ Avw_©K nvwZqvi bq †KvbwU? 30. SzuwK cwigv‡ci DrK…ó c×wZ †KvbwU?
N c~evjx e¨vs‡K Rgvi cwigvY RbZv e¨vs‡Ki K mvaviY †kqvi L Kzcb eÛ K †f`v¼ L Av`k© wePz¨wZ
A‡a©K n‡e M wPi¯’vqx eÛ N wR‡iv Kzcb eÛ M Mo N we‡f`v¼
1 L 2 K 3 M 4 L 5 L 6 K 7 L 8 N 9 N 10 K 11 L 12 L 13 M 14 K 15 N
16 K 17 L 18 N 19 N 20 K 21 K 22 L 23 L 24 N 25 M 26 K 27 L 28 L 29 K 30 N

1. A_©vq‡b m¤ú` me©vwaKiY Øviv Kx †evSvq? wb‡Pi †KvbwU mwVK? 21. wb‡Pi †Kvb †KŠkj g~jab ev‡RwUs‡q A‡_©i
K wbU eZ©gvb g~j¨ e„w×KiY K i I ii L i I iii M ii I iii N i, ii I iii mgqg~j¨ we‡ePbv K‡i bv?
L A_© msMÖn e„w×KiY K Mo gybvdvi nvi (ARR)
 DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI :
M wbU gybvdv e„w×KiY L Af¨šÍixY Av‡qi nvi (IRR)
wg. B‡gj 12 eQ‡ii Rb¨ RbZv e¨vs‡K
N ¯’vqx g~jab e„w×KiY M wbU eZ©gvb g~j¨ (NPV)
5,00,000 UvKv (cuvP jÿ) UvKv wewb‡qvM
2. A_©vq‡b mvgvwRK `vqe×Zv †KvbwU? N gybvdvR©b m~PK (PI)
K‡ib| e¨vsK my‡ì nvi 9%|
K SzuwK I gybvdvi mgš^qmvab Kiv
11. 72 wewa Aby m v‡i KZ eQ‡i Zvi wewb‡qvM 22. wbU eZ©gvb g~j¨ k~b¨ nq Ggb nvi‡K Kx e‡j?
L wewb‡qvMKvixi ¯^v_©iÿv Kiv
Wvej n‡e? K Mo gybvdvi nvi L evÆvi nvi
M gybvdv m‡e©v”PKiY Kiv
K 6 eQi L 7.2 eQi M Af¨šÍixY Av‡qi nvi N †c-e¨vK mgq
N m¤ú` m‡e©v”PKiY Kiv
3. Zvij¨ I jvfRbKZv bxwZ ej‡Z Kx †evS? M 8 eQi N 9 eQi  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
K ch©vß cwigvY Zij m¤ú` eRvq ivLv 12. e¨vsK hw` ˆÎgvwmK my ` †`q, Kvh© K ix my ‡ ì wg. my‡mb 4 eQi †gqvw` GKwU cÖK‡í wewb‡qv‡Mi
L AwaK Zvij¨, Kg wewb‡qvM nvi KZ n‡e? K_v fve‡Qb| cÖK‡íi cÖv_wgK wewb‡qvM
M Kg Zvij¨, AwaK wewb‡qvM K 2.25% L 3% 1,00,000 UvKv| 3q eQi †k‡l µg‡hvwRZ bM`
N GKvwaK wmwKDwiwU‡Z A_© wewb‡qvM M 9.27% N 9.31% AvšÍtcÖevn 80,000 UvKv| 4_© eQ‡ii bM`
4. eëmvq A_©vqb n‡jv 13. wb‡Pi †KvbwU miKvi KZ…©K Bmy¨K…Z eÛ? AvšÍtcÖevn 40,000 UvKv| cÖK‡íi bM`
i. A_© msMÖnKiY K Kzcb eÛ L wR‡iv Kzcb eÛ AvšÍtcÖev‡ni †gvU eZ©gvb g~j¨ 1,02,500 UvKv|
ii. ¯^í‡gqv‡` A_© wewb‡qvM M †UªRvwi eÛ N Zje‡hvM¨ eÛ 23. cÖK‡íi †c-e¨vK mgq KZ n‡e?
iii. `xN©‡gqv‡` A_© wewb‡qvM 14. wb‡Pi †KvbwUi gvwjK‡ì †fvUvwaKvi Av‡Q? K 2 eQi L 2.5 eQi
wb‡Pi †KvbwU mwVK? K eÛ gvwjK‡ì M 3.25 eQi N 3.5 eQi
K i I ii L i I iii M ii I iii N i, ii I iii L FYc‡Îi gvwjK‡ì 24. cÖKíwU MÖnY‡hvM¨, KviY
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : M mvaviY †kqvi‡nvìvi‡ì i. cÖK‡íi wbU eZ©gvb g~j¨ abvZ¥K
wgm bynv GKwU †Kv¤úvwbi Avw_©K eë¯’vcK| N AMÖvwaKvi †kqvi‡nvìvi‡ì ii. cÖK‡íi wbU eZ©gvb g~j¨ 22,500 UvKv
wZwb GKwU e¨vsK †_‡K 7% my‡` 50,00,000 15. wb‡Pi †KvbwU `xN©‡gqvw` A_©vq‡bi Af¨šÍixY iii. cÖKí g~j¨vq‡b A‡_©i mgqg~j¨ we‡ePbv
UvKv (cÂvk jÿ) UvKv FY MÖnY K‡ib| wZwb Drm bq? Kiv n‡q‡Q
D³ UvKv GKwU jvfRbK cÖK‡í wewb‡qvM K‡ib| K msiwÿZ gybvdv L BRviv A_©vqb wb‡Pi †KvbwU mwVK?
eQi †k‡l, wZwb D³ cÖKí †_‡K 7,00,000 M AePq Znwej K i I ii L i I iii M ii I iii N i, ii I iii
UvKv (mvZ jÿ) UvKv gybvdv AR©b K‡ib| N jf¨vsk mgZvKiY Znwej 25. †K g~jawb m¤úwË g~j¨vqb g‡Wj Dbœqb K‡ib?
5. wgm bynv A_©vq‡bi †Kvb bxwZ MÖnY K‡ib? 16. my` cÖ`vb Kiv nq bv Ggb eÛ‡K Kx ejv nq? K DBwjqvg kvc©
K FY bxwZ
K Kzcb eÛ L wR‡iv Kzcb eÛ L n¨vwi gvKz©BR
L SzuwK I gybvdv bxwZ
M wPi¯’vqx eÛ N Zje‡hvM¨ eÛ M gwWMwjqvwb Ges wgjvi
M Zvij¨ I jvfRbK bxwZ
 DÏxcKwU c‡o 17 I 18bs cÖ‡kœi DËi `vI : N w÷‡db im
N †cvU©‡dvwjI bxwZ
bvfvbv wmwKDwiwUR wj. `xN© ‡ gqvw` g~ j ab msMÖ n 26. eë¯’vcbvi A`ÿZv †Kvb ai‡bi SzuwK?
6. wgm bynv M„nxZ wm×všÍmg~n n‡jv
K‡i| eÛwUi wjwLZ g~j¨ 1,000 UvKv; Kzcb K †Kv¤úvwb SzuwK L evRvi SzuwK
i. wewb‡qvM wm×všÍ
ii. A_©vqb wm×všÍ †iU 15% Ges cÖ‡qvRbxq Av‡qi nvi 12%| M Avw_©K SzuwK N Zvij¨ SzuwK
iii. jf¨vsk wm×všÍ 17. DÏxc‡K Dwjø wLZ eÛwU †Kvb ai‡bi eÛ? 27. †Kvb Sz w
u K wbqš¿ Y Kiv hvq bv?
wb‡Pi †KvbwU mwVK? K wPi¯’vqx eÛ L Kzcb eÛ K †Kv¤úvwb SzuwK L Avw_©K SzuwK
K i I ii L i I iii M ii I iii N i, ii I iii M †UªRvwi eÛ N wR‡iv Kzcb eÛ M AwbqgvbyM SzuwK N evRvi SzuwK
7. Pµe„w×KiY Kx? 18. DÏxc‡Ki Av‡jv‡K ejv hvq †h 28. Sz w
u K n‡jv, hv
K A‡_©i eZ©gvb g~j¨ wbY©‡qi †KŠkj i. eÛwUi evwl©K my` 120 UvKv i. cwinvi‡hvM¨
L A‡_©i fwel¨r g~j¨ wbY©‡qi †KŠkj ii. eÛwUi eZ©gvb g~j¨ 1,250 UvKv ii. AwbðqZv n‡Z m„ó
M e„wË wbY©‡qi †KŠkj iii. eÛwU‡Z wewb‡qvM jvfRbK iii. Acwigvc‡hvM¨
N Pµe„w×i msL¨v wbY©‡qi †KŠkj wb‡Pi †KvbwU mwVK?
wb‡Pi †KvbwU mwVK?
8. GKwU wbw`©ó mg‡qi Rb¨ cÖwZ eQi †k‡l K i I ii L i I iii M ii I iii N i, ii I iii K i I ii L i I iii M ii I iii N i, ii I iii
mgcwigvY bM` cÖevn n‡j Zv‡K Kx e‡j?
19. wb‡Pi †KvbwU g~jab ev‡RwUs wm×v‡šÍi mv‡_  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
K eZ©gvb g~j¨ L fwel¨r g~j¨
m¤úK©hy³ bq? wg. gywnZ †Kv¤úvwb ÔKÕ-†Z 1,20,000 UvKv
M AwMÖg e„wË N mvaviY e„wË
K ¯’vqx m¤úwË µq Ges †Kv¤úvwb ÔLÕ-†Z 80,000 UvKv wewb‡qvM
9. Kvh©Kix my‡ì nvi (EIR) KLb m‡e©v”P n‡e?
K hw` my‡ì nvi 1% nq
L eëmvq m¤úÖmviY K‡ib| `ywU †Kv¤úvwbi Av‡qi nvi h_vµ‡g
L hw` Pµe„w× msL¨v 1 nq M m¤úwËi cÖwZ¯’vcb 10% Ges 11%|
M hw` Pµe„w×i msL¨v 12 nq N PjwZ m¤úwË‡Z wewb‡qvM 29. D³ wewb‡qvM †_‡K †Kvb ai‡bi SzuwKi m„wó nq?
N hw` Pµe„w×i msL¨v 365 nq 20. GKwU cÖK‡íi MÖnY Ab¨ cÖKí¸‡jv‡K eR©b K Zvij¨ SzuwK L †cvU©‡dvwjI SzuwK
10. A_©vq‡b, evÆvKiY A_© K‡i, Ggb cÖKí¸‡jv‡K Kx ejv nq? M Avw_©K SzuwK N evRvi SzuwK
i. GKwU evÆvi nvi K cvi¯úwiK eR© b kxj cÖ
K í 30. †cvU© ‡ dvwjI Av‡qi nvi KZ n‡e?
ii. eZ©gvb g~j¨ wbY©‡qi GKwU †KŠkj L g~jab †ikwbs cÖKí K 9% L 10.4%
iii. Pµe„w×Ki‡Yi wecixZ M ¯^vaxb cÖKí N wbf©ikxj cÖKí M 10.5% N 10.6%
1 K 2 L 3 K 4 N 5 L 6 K 7 L 8 N 9 N 10 M 11 M 12 N 13 M 14 M 15 L
16 L 17 K 18 M 19 N 20 K 21 K 22 M 23 N 24 L 25 K 26 K 27 N 28 K 29 L 30 L
21 h‡kvi †evW© 2022 welq †KvW : 2 9 2

1. g~jab ev‡RwUs cÖ‡qvM Kiv nq 12. GKvwaK jvfRbK cÖK‡í wewb‡qvM Kiv  DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI :
i. m¤ú` cÖwZ¯’vc‡bi †ÿ‡Î n‡j Zv‡K Kx e‡j? wg. kvgxg 12% Pµe„w× my‡` Zvi eÜy wg.
ii. Zvij¨ e„w×i †ÿ‡Î K A‡_©i mgqg~j¨ bxwZ evkvi‡K 5 eQ‡ii Rb¨ 50,000 UvKv FY
iii. ¯’vqx m¤ú` µ‡qi †ÿ‡Î L Zvij¨ bxwZ cÖ`vb Kij|
wb‡Pi †KvbwU mwVK? M †cvU©‡dvwjI bxwZ 21. cuvP eQi ci wg. evkvi KZ UvKv cwi‡kva
K i I ii L i I iii M ii I iii N i, ii I iii N Dchy³Zvi bxwZ Ki‡e?
2. †Kvb m¤úwËi A_©‰bwZK RxebKvj †k‡l 13. wb‡Pi †KvbwU Af¨šÍixY A_©vq‡bi Drm? K 56,000 UvKv L 62,720 UvKv
†h g~j¨ cvIqv hvq, Zv‡K Kx e‡j? K wkí e¨vsK L evwYwR¨K e¨vsK M 78,676 UvKv N 88,117 UvKv
K AePq L eZ©gvb g~j¨ M evwYwR¨K cÎ N AvqKi 22. DÏxc‡K F‡Yi my` eQ‡i `yBevi MYbv
M fMœve‡kl g~j¨ N cy¯ÍK g~j¨ 14. m¤ú` me© v waKi‡Y wb‡Pi †KvbwU we‡ePbv Ki‡j †gqv` †k‡l my`vmj KZ n‡e?
Kiv nq bv? K 87,500 UvKv L 88,542 UvKv
 wb‡Pi cÖ`wk©Z wPÎwU †`‡L 3 I 4bs cÖ‡kœi
K †kqvi g~j¨ e„w× L Szwu Ki cwigvY M 89,500 UvKv N 89,542 UvKv
DËi `vI :
bM` cÖevn
M ¯^í‡gqvw` gybvdv N bM` cÖevn 23. `xN©‡gqvw` A_©vq‡bi Drm †KvbwU?
(60,000)10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000  DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : K †UªRvwi wej L eÛ
Rbve iv‡mj wbR GjvKvq 4,00,000 UvKv M evwYwR¨K e¨vsK N evwYwR¨K KvMR
0 1 2 3 4 5 6 7 8
mgq
wewb‡qvM K‡i GKwU eëmvq Pvjy Kivi K_v 24. YTM-Gi c~Yi © ƒc Kx?
3. wewb‡qv‡Mi cwigvY KZ UvKv? K Year To Month L Year To Maturity
fve‡Qb| eëmvqwU cwiPvjbv Kivi Rb¨ M Yield To Month N Yield To Maturity
K 10,000 UvKv L 60,000 UvKv Zvi 7/8 Rb Kg©Pvix i‡q‡Q| GKRb mr
M 80,000 UvKv N 1,40,000 UvKv
25. †h e‡Ûi Dci my` cÖ`vb Kiv nq bv, Zv‡K
eëmvqx wnmv‡e wZwb †UªW jvB‡mÝKiY I Kx e‡j?
4. wewb‡qvM cwi‡kvaKvj KZ eQi? wbqwgZ Ki cwi‡kv‡ai wPšÍv Ki‡Qb| K Kzcb eÛ L wR‡iv Kzcb eÛ
K4 L5 M6 N8 15. DÏxc‡K Rbve iv‡m‡ji Kvh©µg‡K M Rv¼ eÛ N †UªRvwi eÛ
5. SzuwK I Av‡qi g‡a¨ m¤úK© Kxiƒc? A_©vq‡bi fvlvq †Kvb Kvh©µg ejv nq?  DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI :
K wb¤œgyLx L mgvbycvwZK K wewb‡qvM Kvh©µg L FYMÖnY Kvh©µg
M e¨¯ÍvbycvwZK N FYvZ¥K
Rbve Zvwgg mvwgU cvIqvi wjwg‡UW Gi
M A_©vqb Kvh©µg N mvgvwRK Kvh©µg
6. wb‡Pi †KvbwU wewb‡qvMKvix wbqš¿Y Ki‡Z 16. Rbve iv‡m‡ji eëmvqwU jvfRbK n‡j Bmy¨K…Z 1,000 UvKv wjwLZ g~‡jï 5 eQi
†gqvw` e‡Û wewb‡qvM K‡i‡Qb| Zvi
cv‡i? miKvi Kx cv‡e? cÖZ¨vwkZ Av‡qi nvi 10%|
K eëmvwqK SzuwK L Avw_©K SzuwK K gybvdv e„w× cv‡e 26. DÏxc‡K DwjøwLZ mvwgU cvIqvi wjwg‡U‡Wi
M cwinvi‡hvM¨ SzuwK N evRvi SzuwK L mg_©b e„w× cv‡e Bmy¨K…Z e‡Ûi eZ©gvb g~j¨ KZ UvKv?
7. wb‡Pi †KvbwU SzuwKgy³ wmwKDwiwU? M Ki cÖvwß n‡e K 621 UvKv L 900 UvKv
K †UªRvwi wej L †kqvi N m¤ú‡ì m‡e©vËg eënvi n‡e M 909 UvKv N 1,000 UvKv
M eÛ N wgDPzqvj dvÛ 17. †Kb eZ©gvb I fwel¨r mg‡qi A‡_©i g~‡j¨ 27. mvwgU cvIqvi wjwg‡U‡Wi wewb‡qvM †_‡K
8. †cvU©‡dvwjI wewb‡qv‡Mi D‡Ïk¨ cv_©K¨ N‡U? Rbve Zvwgg Kx Avw_©K myweav cv‡eb?
i. gybvdv e„w× K my` Avm‡ji Kvi‡Y K g~jawb jvf L Kzcb
ii. SzuwK n«vm L g~jabx e¨‡qi Kvi‡Y M Bì N Kwgkb
iii. evRvi wbqš¿Y M my‡ì nv‡ii Kvi‡Y 28. †hŠ_g~jawb †Kv¤úvwbi `xN©‡gqvw` A_©vq‡bi
wb‡Pi †KvbwU mwVK? N Pµe„w×i Kvi‡Y Drm
K i I ii L i I iii M ii I iii N i, ii I iii 18. Kvh©Kix my‡ì nvi wbY©‡q †Kvb wel‡qi i. FY g~jab
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : cÖfve mgš^q Kiv nq? ii. mvaviY †kqvi
wm‡g· wj. Gi SzuwKgy³ Av‡qi nvi K Pµe„w×i msL¨v L †gqv` iii. AMÖvwaKvi †kqvi
7.5%, gv‡K©U Av‡qi nvi 10.5% Ges M gy`ªvùxwZ N AePq wb‡Pi †KvbwU mwVK?
weUv mnM 1.8| 19. hw` cÖ w Z eQi mgcwigvY UvKv Rgv †`qv K i I ii L i I iii M ii I iii N i, ii I iii
9. wm‡g· wj. Gi SzuwK wcÖwgqvg KZ? nq ev D‡Ëvjb Kiv nq, Zv‡K Kx e‡j? 29. g~jab ev‡RwUs wm×všÍ GKUv cÖwZôv‡bi
K 2.5% L 3% K evwl© K e„ w Ë L Pµe„ w ×KiY Rb¨ †Kgb cÖwµqv?
M 5.4% N 13.5% M eZ©gvb g~j¨ N fwel¨r g~j¨ K ¯^í‡gqvw` L ga¨‡gqvw`
10. wm‡g· wj. Gi cÖZ¨vwkZ Av‡qi nvi KZ? 20. †Kvb c×wZ A‡_©i mgqg~j¨ we‡ePbv K‡i? M ¯^í-ga¨‡gqvw` N `xN©‡gqvw`
K 3.0% L 12.9% i. wbU eZ©gvb g~j¨ 30. NPV  O n‡j Zv cÖK‡íi Kx wb‡`©k K‡i?
M 18% N 18.9% ii. Mo Av‡qi nvi K cÖv_wgK wewb‡qvM Ach©vß
11. A_©vq‡bi g~j welqe¯‘ Kx? iii. AvšÍtAvq nvi L cÖK‡íi evwZj‡hvM¨Zv
K Znwej L cwiKíbv wb‡Pi †KvbwU mwVK? M MÖnY‡hvM¨Zv
M kÖg N Drcv`b K i I ii L i I iii M ii I iii N i, ii I iii N bM` cÖevn FYvZ¥K
1 L 2 M 3 L 4 M 5 L 6 L 7 K 8 K 9 M 10 L 11 K 12 M 13 N 14 M 15 K
16 M 17 M 18 K 19 K 20 L 21 N 22 N 23 L 24 N 25 L 26 K 27 K 28 N 29 N 30 M

1. evÆvi nvi AvšÍtAvq nv‡ii †P‡q †ewk n‡j 10. wb‡Pi †Kvb NUbvwU evRvi SzuwK m„wó Ki‡e? wb‡Pi †KvbwU mwVK?
wbU eZ©gvb g~j¨ Kx n‡e? K D”P my‡ì nvi K i I ii L i I iii M ii I iii N i, ii I iii
K abvZ¥K L FYvZ¥K L cÖwZôv‡b bM` UvKvi NvUwZ 21. hw` wewb‡qvMKvixi e‡Ûi cÖZ¨vwkZ Av‡qi
M k~b¨ N m¤úK©nxb M wegv LiP e„w× N A`ÿ eë¯’vcbv nvi 10% †_‡K 12% G DbœxZ nq Z‡e
2. `xN©‡gqvw` wewb‡qvM cÖKí g~j¨vq‡bi 11. †kqv‡ii g~j¨ e„w×i d‡j †h jvf nq Zv‡K e‡Ûi AšÍwb©wnZ g~‡jï Dci Kx cÖfve
cÖwµqv‡K Kx e‡j? Kx e‡j? co‡e?
K g~jab ev‡RwUs L g~jab eivÏKiY K †gvU jvf L wbU jvf K c~‡e©i Zzjbvq e‡Ûi g~j¨ evo‡e
M g~jab e¨q N g~jawb jvf M g~jawb jvf N gybvdvRvZxq jvf L c~‡e©i Zzjbvq e‡Ûi g~j¨ Kg‡e
12. wb‡Pi †KvbwU SzuwKgy³ Avq? M e‡Ûi g~j¨ AcwiewZ©Z _vK‡e
K miKvwi eÛ n‡Z cÖvß Avq N cÖZ¨vwkZ Av‡qi mv‡_ e‡Ûi g~j¨ m¤úK©nxb
gyb †Kv¤úvwb wj. 1,20,000 UvKv e¨‡q
L mvaviY †kqv‡i wewb‡qvM n‡Z Avq 22. IPO-Gi c~Yi© ƒc Kx?
GKwU †gwkb µq K‡i †gwkbwUi Avqy®‹vj K Initial Popular Offering
M AMÖvwaKvi †kqv‡i wewb‡qvM n‡Z Avq
5 eQi Ges fMœve‡kl g~j¨ 10,000 L Internal Public Offering
N K‡c©v‡iU eÛ n‡Z cÖvß Avq
UvKv| †gwkb n‡Z cÖwZeQi wbU gybvdv M Initial Public Offering
cvIqv hv‡e h_vµ‡g 20,000, 18,000, 13. GKwU †Kv¤úvwbi SzuwK wcÖwgqvg 15% Ges N International Public Offering
15,000, 12,000 Ges 10,000 UvKv| SzuwKgy³ Avq 10% n‡j cÖ‡qvRbxq Av‡qi 23. wb‡Pi †KvbwU eÛ Bmy¨Kvix KZ…©cÿ bq?
nvi KZ? K wmwU K‡c©v‡ikb L †hŠ_g~jawb †Kv¤úvwb
cÖKí g~j¨vq‡bi †ÿ‡Î †Kv¤úvwbwU evÆvK…Z
K 5% L 10% M Askx`vwi eëmvq N ê‡`wkK miKvi
bM` cÖevn c×wZ eënvi K‡i|
M 15% N 25% 24. miKvwi A_©vq‡b cÖ_‡g wb‡Pi †Kvb KvRwU
3. †gwkbwUi Mo wewb‡qvM n‡Z cÖvß gybvdvi
14. Zvij¨ I gybvdvi g‡a¨ m¤úK© Kx? wba©viY Kiv nq?
nvi KZ?
K wb¤œgyLx L mgvbycvwZK K Avq L e¨q
K 23.08% L 57.69%
M FYvZ¥K N abvZ¥K M ê‡`wkK FY N Dbœqb e¨q
M 62.5% N 115.38%
15. Rbve Avwid hw` Amxg mgq ch©šÍ 25. cÖ‡qvRbxq Av‡qi nvi wb‡Pi †KvbwUi
4. DÏxc‡K gyb †Kv¤úvwb wj. cÖKí g~j¨vq‡bi cÖwZgv‡m 2,000 UvKv K‡i †c‡Z Pvq Ges mgš^‡q MwVZ?
†ÿ‡Î †h c×wZ AbymiY K‡i Zvi e¨vsK my‡ì nvi 11% nq Z‡e eZ©gv‡b K SzuwKgy³ Avq + SzuwK wcÖwgqvg
myweavmg~n n‡jv Zv‡K KZ UvKv e¨vs‡K Rgv ivL‡Z n‡e? L SzuwKgy³ Avq  SzuwK wcÖwgqvg
i. A‡_©i mgqg~j¨ we‡ePbv K‡i K 18,181.81 L 72,727.27 M SzuwK wcÖwgqvg  SzuwKgy³ Avq
ii. SzuwK we‡ePbv K‡i M 1,09,090.90 N 2,18,181.81
iii. bM` cÖevn we‡ePbv K‡i N SzuwK wcÖwgqvg  SzuwKgy³ Avq
16. wewb‡qvMK…Z UvKv KZ mg‡q wØ¸Y n‡e Zv
wb‡Pi †KvbwU mwVK? 26. K‡c©v‡iU fveg~wZ© e„w× †c‡j
wbY©‡qi Rb¨ wb‡Pi †KvbwU eënvi Kiv nq?
K i I ii L i I iii M ii I iii N i, ii I iii i. bM` cÖevn e„w× cv‡e
K iæj 72 L iæj 69
5. wb‡Pi †KvbwU †ewk jvfRbK? ii. SzuwK n«vm cv‡e
M A¨vbyBwU N wPi¯’vqx e„wË
K Mo wewb‡qvM 100 UvKv I Mo gybvdv 40 UvKv iii. m¤¢ve¨ gvgjv LiP n«vm cv‡e
17. Rbve Bgivb evwl©K 8% my‡ì nv‡i
L Mo wewb‡qvM 50 UvKv I Mo gybvdv 30 UvKv
1,00,000 UvKv FY MÖnY K‡i‡Qb| F‡Yi
M Mo wewb‡qvM 100 UvKv I Mo gybvdv 20 UvKv †gqv`Kvj 4 eQi| wZwb cÖwZeQ‡ii
27. "Do not put all your eggs in one
N Mo wewb‡qvM 50 UvKv I Mo gybvdv 25 UvKv ïiæ‡Z F‡Yi wKw¯Í cwi‡kva Ki‡j cÖ_g basket" cÖev` evK¨wU A_©vq‡bi †Kvb
6. GKwU nvmcvZvj g~jab ev‡RwUs‡qi wKw¯Í‡Z cwi‡kvwaZ my‡ì cwigvY KZ? bxwZi mv‡_ m¤ú„³?
mvnv‡h¨ wb‡Pi †Kvb wm×všÍwU wb‡e? K0 L 2,236 K SzuwK I gybvdv L Zvij¨ I gybvdv
K †ivMxi Rb¨ Jla µq M 8,000 N 27,956 M †cvU©‡dvwjI êwPÎ¨vqb
L †ivMx‡K eë¯’vcÎ cÖ`vb 18. ¯’vqx e¨qgy³ wmwKDwiwUmg~n n‡jv N Dchy³Zvi
M Jl‡ai g~j¨ wba©viY i. mvaviY †kqvi 28. Kvg¨g~jab KvVv‡gv‡Z we‡ePbv Kiv nq
N G·-†i †gwkb µq ii. AMÖvwaKvi †kqvi i. GKvwaK Dr‡mi Dcw¯’wZ
7. wb‡Pi †KvbwU wmGwcGg-Gi AbywgZ kZ© bq? iii. FYcÎ ii. †kqv‡ii evRvig~j¨
K g~jab evRvi me©`v `ÿ n‡e wb‡Pi †KvbwU mwVK? iii. g~jab e¨q
L mKj wewb‡qvMKvix hyw³msMZ AvPiY Ki‡e K i I ii L i I iii M ii I iii N i, ii I iii wb‡Pi †KvbwU mwVK?
M AvqKi we`¨gvb _vK‡e 19. †h e‡Ûi †gqv`Kvj D‡jøL _v‡K bv Zv‡K K i I ii L i I iii M ii I iii N i, ii I iii
N †Kv‡bv gy`vª ùxwZ _vK‡e bv Kx ejv nq? 29. fwel¨r g~j¨ wbY©q Kivi cÖwµqv‡K Kx e‡j?
8. †cvU©‡dvwjI w_Iwi Avwe®‹vi nq KZ mv‡j? K Kzcb eÛ L wR‡iv Kzcb eÛ K Pµe„w×KiY L evÆvKiY
K 1952 L 1958 M Amxg eÛ N cÖvBR eÛ M Pµe„w× my` N mij my`
M 1960 N 1964 20. A_©vq‡bi mvgvwRK `vwqZ¡mg~n n‡jv 30. ˆÎgvwmK 12% Pµe„w× my‡ì nv‡i cÖK…Z
9. SzuwK I gybvdvi g‡a¨ m¤úK©? i. Kg©KZ©v Kg©Pvix‡ì ¯^v_© iÿv my‡ì nvi KZ?
K abvZ¥K L FYvZ¥K ii. †kqvi‡nvìvi‡ì ¯^v_© iÿv K 12.48% L 12.55%
M wbi‡cÿ N mgvbycvwZK iii. miKv‡ii ¯^v_© iÿv M 12.61% N 12.68%
1 L 2 K 3 K 4 N 5 L 6 N 7 M 8 K 9 K 10 K 11 M 12 K 13 N 14 M 15 N
16 K 17 K 18 K 19 M 20 N 21 L 22 M 23 M 24 L 25 K 26 K 27 M 28 L 29 K 30 L

1. †cvU©‡dvwjI‡Z cwiwgZ eëavb KLb 10. miKvi KZ…K © Bmy¨K…Z eÛ‡K Kx ejv nq? 21. †Kvb Pµe„w×‡Z A‡_©i fwel¨r g~j¨
me‡P‡q †ewk? K †UªRvwi wej L †UªRvwi eÛ me‡P‡q Kg n‡e?
Kr=+1 L r = .50 M K‡c©v‡iU eÛ N BbKvg eÛ K Aa©evwl©K L ˆÎgvwmK
M r =  .50 Nr=1 11. m¤¢vebvi m‡e©v”P gvb KZ? M gvwmK N cvwÿK
2. hw` †kqv‡ii µqg~j¨ 100 UvKv, weµqg~j¨ K1 L0 22. AweiZ Pµe„w×i gvb KZ?
M1 N2 K e = 2.707181 L e = 2.718281
110 UvKv Ges †kqvi cÖwZ jf¨vsk 8 UvKv M e = 2.714181 N e = 2.818282
nq, Zvn‡j jf¨vs‡ki DcvR©b nvi KZ? 12. eÛ Bmy¨ Ki‡Z cv‡i
23. PQ †Kv¤úvwbi Kzcb my‡ì cwigvY 120
K 8% L 10% i. miKvi
UvKv, wjwLZ g~j¨ 1,000 UvKv Ges e‡Ûi
M 15% N 18% ii. we‡`wk †Kv¤úvwb
eZ©gvb g~j¨ 850 UvKv| cÖZ¨vwkZ Av‡qi
3. g~jab ev‡RwUs‡qi cÖ_g avc †KvbwU? iii. K‡c©v‡ikb
e¨q KZ?
K cÖKí wbqš¿Y L cÖKí cybtg~j¨vqb wb‡Pi †KvbwU mwVK?
K 12% L 12.12%
K i I ii L ii I iii M i I iii N i, ii I iii
M cÖKí cÖYqb N cÖKí g~j¨vqb M 14.12% N 16.35%
4. GKwU cÖK‡íi cÖv_wgK wewb‡qvM 13. †cvU©‡dvwjI ZË¡ Avwe®‹vi K‡ib †K?
K Rb wj÷vi L n¨vwi gviKzBm
24. hw` e‡Ûi YTM Kzcb my‡ì nvi †_‡K
4,00,000 UvKv| cÖK‡íi AvMvgx cuvP Kg nq Zvn‡j e‡Ûi evRvig~j¨ AwfwnZ
M DBwjqvg kvc© N †Rb gwm
eQ‡ii bM` AvšÍtcÖevn 1,00,000 UvKv g~j¨ †_‡K
14. eëmvq A_©vq‡bi g~j jÿ¨ †KvbwU?
cvIqv hv‡e| †c-e¨vK mgq KZ eQi? K gybvdv me©vwaKiY L e¨q wbqš¿Y K †ewk n‡e L Kg n‡e
K 3.5 eQi L 3.8 eQi M mgvb n‡e N mgZzj¨ n‡e
M RbKj¨vY N m¤ú` me©vwaKiY
M 4 eQi N 4.5 eQi 25. e‡Ûi wjwLZ g~j¨ 2,000 UvKv, 10%
15. A_©vq‡bi †gŠwjK wm×všÍ n‡jv
5. GKwU cÖK‡íi bM` AvšÍtcÖevn 1,00,000 i. Avw_©K
Awanv‡i eZ©gvb evRv‡i wewµ nq| Kzcb my‡ì
UvKv| evwl©K AePq 10,000 UvKv| Ki ii. wewb‡qvM
nvi 13% n‡j eZ©gvb Av‡qi nvi KZ?
cieZ©x wbU gybvdv KZ? K 10% L 11.82%
iii. jf¨vsk
K 60,000 L 70,000 M 12.82% N 13%
M 90,000 N 1,10,000 K i I ii L i I iii M ii I iii N i, ii I iii 26. evRv‡i my‡ì nvi e„w×i †c‡j e‡Ûi g~j¨
6. †c-e¨vK mgq c×wZi Rb¨ cÖ‡qvRb n‡jv 16. evsjv‡`‡k KZ mv‡ji e¨vsK †Kv¤úvwb K e„w× cv‡e L n«vm cv‡e
i. evÆvi nvi AvBb we`¨gvb Av‡Q? M AcwiewZ©Z _vK‡e N wØ¸Y n‡e
ii. bM` AvšÍtcÖevn K 1947 L 1969 27. GKwU cÖwZôv‡bi cÖv_wgK wewb‡qvM
iii. cÖviw¤¢K wewb‡qvM M 1991 N 1994 50,000 UvKv Ges gybvdv AR©b m~PK 1
wb‡Pi †KvbwU mwVK? 17. gva¨wgK evRv‡ii mv‡_ mivmwi RwoZ _v‡K nq Zvn‡j wbU eZ©gvb g~j¨ KZ n‡e?
K i I ii L ii I iii M i I iii N i, ii I iii K0 L 30,000
i. †kqvi †µZv
M 50,000 N 60,000
7. k~b¨ Kzcb e‡Ûi êwkó¨ ii. †kqvi we‡µZv
i. AwfwnZ g~‡j¨ wewµ nq iii. †eªvKvi 28. g~jab ev‡RwUs‡qi D‡Ïk¨
wb‡Pi †KvbwU mwVK? i. AvaywbKxKiY
ii. Aenv‡i wewµ nq
K i I ii L i I iii M ii I iii N i, ii I iii ii. bZzb cÖKí MÖnY
iii. Kzcb nvi _v‡K bv
18. Rbve iwng 270 w`b †gqv‡` 50,000 iii. M‡elYv I Dbœqb
UvKv e¨vs‡K Rgv K‡ib| my‡ì nvi 8% wb‡Pi †KvbwU mwVK?
n‡j †gqv` †k‡l KZ UvKv cv‡eb? K i I ii L i I iii M ii I iii N i, ii I iii
K 52,970 L 48,970  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
evwl©K 10% Kzcb my‡` GKwU e‡Ûi
M 30,130 N 29,130 Rbve Rvwe‡ii Kv‡Q 1,20,000 UvKv Av‡Q|
wjwLZ g~j¨ 1,000 UvKv Ges evRvig~j¨ †kqvi A †Z 40,000 UvKv Ges Aewkó A_©
1,050 UvKv| †gqv`Kvj 10 eQi| †kqvi B-†Z wewb‡qvM K‡ib| †kqvi A I B
Rbve RvwKi eëmv‡qi cÖ‡qvR‡b e¨vsK
cÖZ¨vwkZ Av‡qi nvi 9%| Gi cÖZ¨vwkZ Av‡qi nvi 16% I 14%|
†_‡K 50,000 UvKv FY wb‡q GKwU
8. DÏxc‡K DwjøwLZ eÛwU †Kvb ai‡bi? 29. Rbve Rvwe‡ii †cvU©‡dvwjI‡Z cÖZ¨vwkZ
†gwkb µq K‡ib| my‡ì nvi 18%| wZwb
K †UªRvwi eÛ L wR‡iv Kzcb eÛ Av‡qi nvi KZ?
`yB eQ‡i FY cwi‡kva Ki‡eb| F‡Yi
M Kzcb eÛ N evnK eÛ K 16.33% L 15.71%
wKw¯Í gvwmK cÖ`vb Ki‡eb|
9. eÛwUi †ÿ‡Î cÖ‡hvR¨ 19. Rbve RvwKi KqwU wKw¯Í cwi‡kva Ki‡eb? M 14.71% N 12.79%
i. PjwZ Av‡qi nvi 9.52% K2 L 12 30. hw` Dfq †kqv‡i mgvbfv‡e wewb‡qvM
ii. eÛwU Awanv‡i wewµ n‡e M 18 N 24 K‡ib Zvn‡j †cvU©‡dvwjI‡Z cÖZ¨vwkZ
iii. eÛwUi †gqv`c~wZ© g~j¨ 1,000 UvKv 20. wKw¯Íi cwigvY KZ? Av‡qi nvi KZ?
wb‡Pi †KvbwU mwVK? K 2,496 L 7,148 K 12% L 15%
K i I ii L i I iii M ii I iii N i, ii I iii M 34,977 N 35,909 M 16% N 17%
1 K 2 K 3 M 4 M 5 M 6 L 7 L 8 M 9 N 10 L 11 M 12 N 13 L 14 N 15 N
16 M 17 N 18 K 19 N 20 K 21 K 22 L 23 M 24 K 25 L 26 L 27 K 28 N 29 M 30 L
24 wm‡jU †evW© 2022 welq †KvW : 2 9 2

1. BSEC †Kvb gš¿Yvj‡qi Aax‡b †_‡K KvR  DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : wb‡Pi †KvbwU mwVK?
K‡i? wg. kIKZ GKwU †emiKvwi e¨vs‡K PvKwi K i I ii L i I iii
K evwYR¨ gš¿Yvjq L A_© gš¿Yvjq K‡ib| †kqvievRv‡i wewb‡qv‡Mi AvMÖn M ii I iii N i, ii I iii
M wkí gš¿Yvjq N K…wl gš¿Yvjq †_‡K wZwb Zvi Rgv‡bv cy‡iv UvKv w`‡q 21. A_©‰bwZK SzuwKi Drm n‡jv
2. `xN©‡gqvw` A_©vq‡bi nvwZqvi n‡jv †gNbv A‡qj wj. Gi †kqvi µq Ki‡jb| K eb¨v L †fv³vi iæwP
i. FYcÎ †gNbv A‡qj wj. fv‡jv Ae¯’v‡b _vKvq M So N f‚wgK¤ú
ii. †UªRvwi wej cÖwZeQi †gavex wkÿv_©x‡ì gv‡S 22. SzuwK MÖn‡Yi Rb¨ AwZwi³ cÖvwß‡K Kx ejv nq?
iii. mvaviY †kqvi wkÿve„wË cÖ`vbmn cwi‡ek `~lY‡iv‡a K SzuwK wcÖwgqvg L cÎ †Kvl
wb‡Pi †KvbwU mwVK? iv¯Ívi `yB cv‡k MvQ jvwM‡q _v‡K| M weUv N cwiwgZ eëavb
K i I ii L i I iii M ii I iii N i, ii I iii 12. wg. kIKZ Zvi wewb‡qv‡Mi †ÿ‡Î †Kvb 23. fwel¨r me©`vB
3. †h e‡Ûi Dci my` cÖ`vb Kiv nq bv Zv‡K bxwZwU AbymiY Ki‡Z e¨_© n‡q‡Qb? K MYbv‡hvM¨ L wbqš¿Y‡hvM¨
Kx e‡j? K A‡_©i mgqg~j¨ bxwZ L eëmvq Pµ bxwZ M AwbwðZ N wbwðZ
K †UªRvwi eÛ L Rv¼ eÛ M †cvU©‡dvwjI bxwZ N Dchy³Zvi bxwZ 24. †Kvb Pµe„w×‡Z fwel¨r g~j¨ me©vwaK n‡e?
M Kzcb eÛ N wR‡iv Kzcb eÛ 13. †Kvb `vqe×Zv †_‡K †gNbv A‡qj wj. K gvwmK L ˆÎgvwmK
4. wewb‡qvMK…Z UvKv‡K evwl©K mgvb bM` wkÿve„wË cÖ`vb I MvQ jvwM‡q _v‡K? M Aa©evwl©K N evwl©K
cÖevn w`‡q fvM Ki‡j Kx cvIqv hvq? K ivR‰bwZK L A_©‰bwZK 25. Pµe„w× my‡ì †ÿ‡Î
K wbU eZ©gvb g~j¨ L AvšÍtAvq nvi M cvwievwiK N mvgvwRK i. my`vm‡ji Dci my` wnmve Kiv nq
M Mo gybvdvi nvi N †c e¨vK mgq 14. Pµe„w×KiY †KvbwU wbY©‡qi †ÿ‡Î RwoZ? ii. ïaygvÎ Avmj UvKvi Dci my` wnmve
5. †h evÆvi nv‡i †Kv‡bv cÖK‡íi wbU eZ©gvb K bM` cÖevn L fwel¨r g~j¨ Kiv nq
g~j¨ k~b¨ nq Zv‡K Kx e‡j? M eZ©gvb g~j¨ N mij my` iii. weMZ eQ‡ii my`‡K Avmj wnmv‡e aiv nq
K Mo gybvdvi nvi L AvšÍtAvq nvi
 DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : wb‡Pi †KvbwU mwVK?
M wbU eZ©gvb g~j¨ N Av‡qi nvi
GKwU cÖK‡íi cÖviw¤¢K wewb‡qvM 50,000 K i I ii L i I iii
6. g~jab ev‡RwUs †Kvb ai‡bi wewb‡qvM UvKv| fMœve‡kl g~j¨ 5,000 UvKv| M ii I iii N i, ii I iii
wm×v‡šÍi mv‡_ RwoZ? AvbygvwbK Avqy®‹vj 5 eQi| cÖwZ eQi
K ¯^í‡gqvw` L `xN©‡gqvw`
bM` AvšÍtcÖevn 20,000 UvKv| wg. wicb GKRb PvKwiRxex| Zvi Awd‡m
M ga¨‡gqvw` N ¯^í I ga¨‡gqvw`
15. cÖKíwUi evwl©K AeP‡qi cwigvY KZ? hvZvqv‡Zi Rb¨ GKwU Mvwo cÖ‡qvRb hvi
7. g~jab ev‡RwUs‡qi D‡Ïk¨ n‡jv K 5,000 UvKv L 9,000 UvKv g~j¨ 15,00,000 UvKv| D³ UvKv wZwb
i. AvaywbKxKiY
M 12,000 UvKv N 15,000 UvKv †Wëv e¨vsK wj. n‡Z 8% my‡` 10 eQ‡ii
ii. cybt¯’vcb
16. cÖKíwUi †c-e¨vK mgq KZ? Rb¨ FY MÖnY Ki‡jb|
iii. evÆvKiY
K 2 eQi L 2.25 eQi 26. wg. wicb‡K †gqv` †k‡l KZ UvKv
wb‡Pi †KvbwU mwVK? M 2.50 eQi N 3 eQi
cwi‡kva Ki‡Z n‡e?
17. SzuwK cwigv‡ci Rb¨ eënvi Kiv nq K 28,38,387 UvKv L 30,38,387 UvKv
8. Znwej msMÖn I wewb‡qvMmsµvšÍ
i. Av`k© wePz¨wZ M 32,38,387 UvKv N 34,38,387 UvKv
cÖwµqv‡K Kx e‡j?
ii. we‡f`v¼ 27. wg. wicb‡K my` eve` AwZwi³ KZ UvKv
K A_©vqb L ev¯Íevqb
iii. m¤¢vebv web¨vm cwi‡kva Ki‡Z n‡e?
M A_©bxwZ N cwiKíbv
9. †Kvb A_©vq‡bi †ÿ‡Î e¨q ey‡S Avq Ki‡Z wb‡Pi †KvbwU mwVK? K 14,38,387 UvKv L 15,38,387 UvKv
K i I ii L i I iii M ii I iii N i, ii I iii M 16,38,387 UvKv N 17,38,387 UvKv
nq?
K eëmvq L e¨w³MZ 18. Avw_©K ÿwZ nIqvi m¤¢vebv‡K Kx e‡j? 28. IPO-Gi c~Yi © ƒc †KvbwU?
M Aeëmvq N miKvwi K AwbðqZv L SzuwK K Initial Public Offer
M †jvKmvb N g›`v L Initial Public Offering
10. SzuwK I gybvdvi g‡a¨ m¤úK© Kxiƒc? M Internal Public Offer
K wb¤œgyLx L wecixZgyLx 19. †KvbwU g~jab ev‡RwUs‡qi Ab¨Zg we‡eP¨
N Internal Public Offering
M EaŸ©gyLx N AšÍgyLx welq?
29. †gqv`c~wZ©‡Z Av‡qi nvi‡K Kx e‡j?
K Avq L m¤úwË µq
11. †cvU©‡dvwjI bxwZi D‡Ïk¨ n‡jv K YTC L Yield
i. SzuwK n«vm M m¤úwË weµq N mgqKvj M YTM N Current Yield
ii. gybvdv e„w× 20. `xN©‡gqvw` A_©vq‡bi Af¨šÍixY Drm n‡jv 30. GKwU †kqvi 100 UvKvq µq 110 UvKvq
iii. evRvi we‡kølY i. FYcÎ weµq Kiv n‡jv| G‡ÿ‡Î g~jawb jvf KZ?
wb‡Pi †KvbwU mwVK? ii. msiwÿZ Avq K 10 UvKv L 11 UvKv
K i I ii L i I iii M ii I iii N i, ii I iii iii. AePq Znwej M 25 UvKv N 26 UvKv
1 L 2 L 3 N 4 N 5 L 6 L 7 K 8 K 9 N 10 M 11 K 12 M 13 N 14 L 15 L
16 M 17 N 18 L 19 L 20 M 21 L 22 K 23 M 24 K 25 L 26 M 27 N 28 L 29 M 30 K

1. miKvi KZ…K © Bmy¨K…Z eÛ‡K Kx e‡j? 10. miKvwi A_©vq‡b cÖ_g †KvbwU wba©viY Kiv nq? kZ© wnmv‡e Rwgi gvwjK‡K GKKvjxb
K †UªRvwi wej L †UªRvwi eÛ K ivR¯^ Avq L ivR¯^ NvUwZ 2,00,000 UvKv A_ev cÖ_g eQi 25,000
M wgDwbwmcvj eÛ N K‡c©v‡iU eÛ M ivR¯^ DØ„Ë N ivR¯^ e¨q UvKv cÖ`vb Ki‡e hv cieZ©x eQi¸‡jv‡Z
2. e‡Ûi AšÍwb©wnZ g~‡jï mv‡_ m¤úK© Av‡Q 11. GKwU dv‡g©i P‚ovšÍ jÿ¨ wb‡Pi †KvbwU? `yB nvRvi UvKv K‡i n«vm cv‡e|
i. †gqv‡ì K †kqvicÖwZ Avq e„w× 21. Zv‡ni cÖwZeQi Rwgi gvwjK‡K †h UvKv
ii. evÆvi nv‡ii L wewb‡qvM e„w× cÖ`vb Ki‡Z Pv‡”Qb GwU †Kvb ai‡bi bM`
iii. †gqv`c~wZ© g~‡jï M mvaviY †kqv‡ii g~j¨ e„w× cÖevn?
wb‡Pi †KvbwU mwVK? N †gvU gybvdv e„w× K evwl©K bM` cÖevn
K i I ii L ii I iii M i I iii N i, ii I iii 12. PjwZ m¤ú‡` wewb‡qvM e„w× †c‡j Kx nq? L mvaviY evwl©K bM` cÖevn
3. hw` Kzcb my‡ì nvi I cÖZ¨vwkZ Av‡qi i. Zvij¨ n«vm cvq M AwMÖg evwl©K bM` cÖevn
nvi mgvb nq Ges eÛwU mgg~‡j¨ weµq ii. gybvdv AR©b ÿgZv e„w× cvq N wgkÖ bM` cÖevn
iii. †`Dwjqv‡Z¡i SzuwK n«vm cvq 22. Rwgi gvwjK wm×všÍ MÖn‡Yi †ÿ‡Î hv
nq Ges Awanv‡i cwi‡kvwaZ nq Z‡e
wb‡Pi †KvbwU mwVK? Ki‡Z cv‡ib
K e‡Û PjwZ Av‡qi nvi †gqv`c~wZ©
Av‡qi nvi mgvb n‡e K evwl©K bM` cÖev‡ni eZ©gvb g~j¨ wbY©q Kiv
13. wewb‡qv‡Mi SzuwKi n«v‡mi †ÿ‡Î cÖ‡qvM Kiv L evwl©K e„wËi eZ©gvb g~j¨ wbY©q Kiv
L e‡Ûi AšÍwb©wnZ g~j¨ AwfwnZ g~j¨
nq †Kvb bxwZwU?
†_‡K Kg n‡e M GKKvjxb UvKvi fwel¨r g~j¨ wbY©q Kiv
K Zvij¨ I SzuwK L gybvdv I SzuwK
M e‡Ûi †gqv`c~wZ© Av‡qi nvi Kzcb N evwl©K e„wËi fwel¨r g~j¨ wbY©q Kiv
M gybvdv I Zvij¨
†_‡K eo n‡e N †cvU©‡dvwjI êwPÎ¨vqb
23. my` I Kic~e©eZ©x gybvdv †_‡K my` I Ki
N e‡Ûi AšÍwb©wnZ g~j¨ n‡Z evRvig~j¨ 14. GKK bM` cÖev‡ni †ÿ‡Î eZ©gvb g~j¨ ev` w`‡j Kx cvIqv hvq?
†ewk n‡e K bM` AvšÍtcÖevn L AvšÍtAv‡qi nvi
e„w× cv‡e hw`
4. e‡Ûi gva¨‡g A_©vqb Ki‡j †Kv¤úvwb‡K M wbU gybvdv N wbU bM` cÖevn
K Pµe„w×i msL¨v ev‡o L fwel¨r g~j¨ K‡g
Kx cÖ`vb Ki‡Z nq? 24. †Kv‡bv m¤úwËi A_©‰bwZK RxebKvj †k‡l
M my‡ì nvi K‡g N mgq e„w× cvq
K gybvdv L jf¨vsk 15. miKvwi A_©vq‡bi D‡Ïk¨ bq †KvbwU? †h g~j¨ Aewkó _v‡K Zv n‡jv
M my` N jvf K `vwi`ª¨ we‡gvPb L gybvdv me©vwaKiY K fMœve‡kl g~j¨ L weµqg~j¨
5. wewb‡qv‡Mi †ÿ‡Î n‡Z cv‡i M mvgvwRK `vwqZ¡ cvjb M bM` ewntcÖevn N AePq
i. gybvdv k~b¨ n‡Z cv‡i N cwi‡ek `~lY †iva 25. GKwU cÖKí MÖnY‡hvM¨ n‡e hw`
ii. gybvdv abvZ¥K n‡Z cv‡i 16. my`vm‡ji Dci my` avh© Kiv n‡j Zv‡K Kx K Mo Av‡qi nvi g~jab e¨‡qi Kg n‡j
iii. gybvdv FYvZ¥K n‡Z cv‡i ejv nq? L wbU eZ©gvb g~j¨ abvZ¥K n‡j
wb‡Pi †KvbwU mwVK? K Pµe„w× my` L Kvh©Ki my` M g~jab e¨q AvšÍtAv‡qi nvi †_‡K †ewk n‡j
K i I ii L ii I iii M i I iii N i, ii I iii M mij my` N bvwgK my` N †c-e¨vK mgq cÖK‡íi †gqv` A‡cÿv
6. wb‡Pi †Kvb wmwKDwiwUi †ÿ‡Î g~jawb 17. A¨vbyBwUi êwkó¨ n‡jv †ewk n‡j
jv‡fi nvi AwaK? i. mgcwigvY bM` A‡_©i cÖvwß Ges cÖ`vb 26. Rbve Avãyjøvn mvZ is d¨vkb †Kv¤úvwbi
K µqg~j¨ 200 UvKv Ges weµqg~j¨ 260 UvKv ii. mg‡qi eëavb GKB nIqv cÖavb wbe©vnx Kg©KZ©v| g~jab ev‡RwUs‡qi
L µqg~j¨ 100 UvKv Ges weµqg~j¨ 130 UvKv iii. mgqKvj wbw`©ó nIqv gva¨‡g wb‡¤œi †Kvb wm×všÍwU wZwb wb‡eb?
M µqg~j¨ 60 UvKv Ges weµqg~j¨ 90 UvKv wb‡Pi †KvbwU mwVK? K †cvkv‡Ki g~j¨ wba©viY
N µqg~j¨ 40 UvKv Ges weµqg~j¨ 55 UvKv K i I ii L i I iii M ii I iii N i, ii I iii L Kvco µq
7. PviwU wmwKDwiwU A, B, C Ges D| cÖwZwUi 18. wb‡Pi †KvbwU g~jab ev‡RwUs‡qi cÖ_g avc? M Kg©Pvix wb‡qvM N bZzb kvLv ¯’vcb
Av‡qi nvi mgvb| wmwKDwiwU¸‡jvi mn- K cÖKí g~j¨vqb L cÖKí ev¯Íevqb 27. †cvU©‡dvwjI‡Z wewb‡qv‡Mi D‡Ïk¨ †KvbwU?
m¤^Ü h_vµ‡g A, B = 1, A, C = 0.50, B, M cÖKí cÖYqb N cÖKí we‡kølY K SzuwK n«vm L gybvdv e„w×
C = .40 Ges A, D =  0.40| wb‡¤œi 19. mij my‡ì †ÿ‡Î M weµq e„w× N Drcv`b e¨q n«vm
†Kvb †cvU©‡dvwjIi SzuwK †ewk n«vm cv‡e? K †ewk my` cvIqv hvq 28. Avwei wj.-Gi weUvi gvb 2| SzuwKgy³ Av‡qi
K wmwKDwiwU A Ges B L cÖwZ eQi my‡ì cwigvY e„w× cvq nvi 6% Ges evRvi SzuwK wcÖwgqvg 10%|
L wmwKDwiwU A Ges C M my`vm‡ji Dci my` wnmve Kiv nq Avwei wj.-Gi cÖ‡qvRbxq Av‡qi nvi KZ?
M wmwKDwiwU A Ges D N Avmj UvKvi Dci my` wbY©q Kiv nq K 8% L 14% M 22% N 26%
N wmwKDwiwU B Ges C 20. g~jab ev‡RwUs wm×všÍ MÖnY wbf©i K‡i 29. †h e‡Ûi †Kv‡bv †gqv` †bB Zv‡K ejv nq
8. `ywU wmwKDwiwUi Av‡qi nvi wfbœ n‡j i. g~jab e¨‡qi Dci K wR‡iv Kzcb eÛ L cviwcPz¨qvj eÛ
Zv‡ì SzuwKi g‡a¨ Zzjbv Kivi Rb¨ †Kvb ii. cÖKí¸‡jvi g‡a¨ m¤ú‡K©i Dci M cwi‡kva‡hvM¨ eÛ N Kzcb eÛ
c×wZ eënvi Kiv nq? iii. cÖK‡íi SzuwKi Dci 30. wR‡iv Kzcb eÛ
K †f`v¼ L cwiwgZ eëavb wb‡Pi †KvbwU mwVK? i. evÆvq weµq nq
M cwimi N Mo Av‡qi nvi K i I ii L ii I iii M i I iii N i, ii I iii ii. wbw`©ó †gqv` _v‡K
9. wb‡Pi †KvbwU A_©vq‡bi Kvh©vewj bq?  DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : iii. AwfwnZ g~‡j¨ cwi‡kvwaZ nq
K Znwej msMÖn L evRviRvZKiY Zv‡ni GKRb K…lK| wZwb GKwU Rwg 5 wb‡Pi †KvbwU mwVK?
M Znwej eÈb N g~jab ev‡RwUs eQ‡ii Rb¨ wjR MÖnY Ki‡Z Pv‡”Qb| hvi K i I ii L ii I iii M i I iii N i, ii I iii
1 L 2 N 3 M 4 M 5 N 6 M 7 M 8 K 9 L 10 N 11 M 12 K 13 N 14 M 15 L
16 K 17 N 18 M 19 N 20 N 21 N 22 K 23 M 24 K 25 L 26 N 27 K 28 N 29 L 30 N

1. Zvij¨ I gybvdvi g‡a¨ Kx ai‡bi m¤úK© 10. bRiæj wj. A_©vq‡bi †Kvb bxwZwU AbymiY wb‡Pi †KvbwU mwVK?
we`¨gvb? bv Kivq KuvPvgvj µ‡q mgm¨v †`Lv w`j? K i I ii L i I iii M ii I iii N i, ii I iii
K mgvšÍivj L wecixZgyLx K SzuwK I gybvdv L Zvij¨ I gybvdv 20. cÖwZgv‡m Pµe„w×KiY n‡j `yB eQ‡i
M abvZ¥K N wbi‡cÿ M A‡_©i mgqg~j¨ N êwPÎ¨KiY Pµe„w×i msL¨v KZ n‡e?
2. A‡_©i fwel¨r g~‡jï Aci bvg Kx? 11. DÏxc‡K bRiæj wj. Gi M„nxZ K 12 L 24 M 36 N 72
K evÆvK…Z g~j¨ L bM` g~j¨ wm×všÍ¸‡jv n‡jv 21. gybvdv me©vwaKiY Kxfv‡e m¤¢e nq?
M cÖv_wgK g~j¨ N cÖvwšÍK g~j¨ i. A_©vqb K †kqv‡ii g~j¨ e„w×i gva¨‡g
3. wewb‡qvMKvixi wbqš¿‡Y _v‡K †KvbwU? ii. wewb‡qvM L cÖwZôv‡bi ¯^v_© iÿv K‡i
iii. jf¨vsk M m¤ú‡ì myôz eënv‡ii gva¨‡g
K Avw_©K SzuwK L evRvi SzuwK
wb‡Pi †KvbwU mwVK? N mvgvwRK Kj¨v‡Yi gva¨‡g
M Acwinvi‡hvM¨ SzuwK N dUKv SzuwK
4. AMÖvwaKvi †kqvi‡K ksKi wmwKDwiwU K i I ii L i I iii M ii I iii N i, ii I iii 22. †gqv‡ì ïiæ‡Z mgcwigvY A_© Rgv
12. wb‡Pi †KvbwU g~jab ev‡RwUs‡qi mbvZb Ki‡j Zv‡K Kx e‡j?
ejvi KviY †KvbwU? K eZ©gvb g~j¨ L AwMÖg e„wË
K AMÖvwaKvi †kqv‡ii †gqv` w¯’i c×wZ?
K NPV L ARR M IRR N NPI M mvaviY e„wË N fwel¨r g~j¨
L AMÖvwaKvi †kqv‡ii jf¨vsk w¯’i
M AMÖvwaKvi †kqv‡ii g‡a¨ mvaviY  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : 23. †cvU©‡dvwjI ZË¡ †K cÖeZ©b K‡ib?
K gwWwMøqvwb L wgjvi
†kqvi I e‡Ûi êwkó¨ we`¨gvb 'X' †Kv¤úvwb wj. 100 UvKv AwfwnZ g~‡j¨
M gviKzBR N gvijb eøvK
N AMÖvwaKvi †kqvi‡nvìviiv mvaviY 10% FYcÎ Bmy¨ K‡i, hvi cÖZ¨vwkZ
Av‡qi nvi 15%| 24. wb‡Pi †KvbwU eëmv‡qi Af¨šÍixY
†kqvi‡nvìv‡ii c~‡e© jf¨vsk cvq A_© m s¯’
v ‡bi Drm?
13. DÏxc‡K DwjøwLZ FYc‡Îi AšÍwb©wnZ g~j¨
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : K evwYwR¨K e¨vsK L wegv cÖwZôvb
KZ?
wg. 'X' Kg SzuwKm¤úbœ cÖK‡í wewb‡qv‡M M mvaviY mwÂwZ Znwej
K 66.67 L 76.67
AvMÖnx| Zvi wewb‡qvM my‡hvM wb¤œiƒc : N we‡klvwqZ e¨vsK
M 86.67 N 96.67
cÖKí 25. Av‡qi nvi wbw`©ó _v‡K wb‡Pi †KvbwU‡Z?
weeiY 14. Bmy¨K…Z FYcÎwU n‡jv K FYc‡Î L mvaviY †kqv‡i
A B C D i. Acwi‡kva¨
cwiwgZ eëavb % 15 21 18 19 M cÖeZ©‡Ki †kqv‡i N †evbvm †kqv‡i
ii. evÆvq Bmy¨K…Z
cÖZ¨vwkZ Avq % 9 12 7 6  DÏxcKwU c‡o 26bs cÖ‡kœi DËi `vI :
iii. `xN©‡gqvw` Drm
5. DÏxc‡K ewY©Z cÖKí 'A'-Gi we‡f`v¼ KZ? Rbve nK 50 UvKvq cÖwZwU †kqvi µq
K 1.37 L 1.47
K‡i 60 UvKvq weµq K‡ib| wZwb †kqvi
cÖwZ 5 UvKv nv‡i jf¨vsk cvb|
M 1.57 N 1.67 15. †h nv‡i NPV k~b¨ nq Zv‡K e‡j 26. Rbve n‡Ki †gvU Av‡qi nvi KZ?
6. wg. 'X' †K †Kvb cÖK‡í wewb‡qvM Kiv K ARR L ROI M IRR N PBR
K 10% L 20% M 25% N 30%
DwPZ n‡e? 16. g~jab ev‡RwUs‡qi †Kvb c×wZ‡K wnmveweÁvb 27. `xN©‡gqvw` A_©vq‡bi evwn¨K Drm †KvbwU?
KA LB MC ND DcvR©b nvi bv‡gI AwfwnZ Kiv nq? K AePq Znwej L FYcÎ
7. mgq I my‡ì nv‡ii mv‡_ fwel¨r g~‡jï K Mo Av‡qi nvi L AvšÍtAv‡qi nvi
M wbR¯^ g~jab N msiwÿZ Avq
m¤úK© Kx? M wewb‡qv‡Mi Av‡qi nvi
N g~jab †diZKvjxb mgq  DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI :
K abvZ¥K L FYvZ¥K
17. Kx †_‡K SzuwK m„wó nq? Rbve Kwig 5 eQi ci 80,000 UvKvq
M wbi‡cÿ N mgvbycvwZK
K wePz¨wZ †_‡K L jvf-ÿwZ †_‡K GKwU j¨vcUc µq Ki‡Z AvMÖnx| GRb¨
8. GKwU dv‡g©i g~j jÿ¨ Kx? wZwb eZ©gv‡b wbw`©ó cwigvY A_© e¨vs‡K
K gybvdv me©vwaKiY M AwbðqZv †_‡K N †cvU©‡dvwjI †_‡K
Rgv ivL‡Z Pvb| kvjyK e¨vs‡K Rgv
L eëmvq ˆbwZKZv AbymiY  DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI :
ivL‡j evwl©K 8% nv‡i my` cvIqv hv‡e
M m¤ú` me©vwaKiY N mvgvwRK Kj¨vY wg. 'X' wb‡¤œi Z_¨¸‡jv we‡køl‡Yi gva¨‡g Ges P›`ª e¨vs‡K Rgv ivL‡j 7% nv‡i
GKwU jvfRbK cÖK‡í wewb‡qvM Ki‡Z Aa©evwl©Kx nv‡i my` cvIqv hv‡e|
 DÏxcKwU c‡o 9bs cÖ‡kœi DËi `vI : Pvq| cÖKí¸‡jvi evÆvi nvi 10%|
Rbve 'X' GKwU eÛ µq K‡i‡Qb hvi 28. kvjyK e¨vs‡K eZ©gv‡b KZ UvKv Rgv
cÖKí-K cÖKí-L ivL‡Z n‡e?
AwfwnZ g~j¨ 800 UvKv, evRvig~j¨ 1,000 weeiY
UvKv UvKv K 40,450 L 48,448
UvKv Ges wZwb eQ‡i 40 UvKv my` cvb| bM` ewntcÖevn 20,000 40,000
9. e‡Ûi my‡ì nvi KZ? M 54,448 N 64,448
evwl©K bM` AvšÍtcÖevn 5,000 7,000 29. wb‡Pi †KvbwU Rbve Kwi‡gi Rb¨ mwVK?
K 4% L 5% M 6% N 7% NPV 8,585 15,325 K kvjyK e¨vs‡K Kg A_© Rgv ivL‡Z n‡e
 DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : IRR 8% 12% L P›`ª e¨vs‡K Kg A_© Rgv ivL‡Z n‡e
bRiæj wj. 10% nvi my‡` gyb e¨vsK wj. 18. cÖKí-L Gi PBP KZ eQi n‡e? M Dfq e¨vs‡K GKB cwigvY A_© Rgv
†_‡K 50,000 UvKv FY wb‡q eëmvq K 4.71 L 5.71 ivL‡Z n‡e
cwiPvjbv K‡i 10,000 UvKv gybvdv K‡i| M 6.71 N 7.71 N P›`ª e¨vs‡K Rgvi cwigvY kvjyK
cwiPvjbv cl©‡ì wm×všÍ Abyhvqx mgy`q 19. wg. 'X' Gi wewb‡qvM wm×všÍ MÖn‡Yi †ÿ‡Î e¨vs‡Ki A‡a©K n‡e
gybvdv †kqvi‡nvìvi‡ì g‡a¨ AvbycvwZK wb‡Pi †KvbwU mwVK? 30. evRvi Avq I SzuwKgy³ Av‡qi eëavb
nv‡i eÈb K‡i| cieZ©x eQi KuvPvgvj i. NPV Abyhvqx cÖKí-L MÖnY‡hvM¨ wb‡Pi †KvbwU?
µq Ki‡Z wM‡q cÖwZôvbwU ch©vß bM` ii. IRR Abyhvqx cÖKí-L MÖnY‡hvM¨ K cÖZ¨vwkZ Avq L †Kv¤úvwb SzuwK
A‡_©i NvUwZ‡Z c‡o| iii. PBP Abyhvqx cÖKí-K MÖnY‡hvM¨ M SzuwK wcÖwgqvg N evRvi SzuwK
1 L 2 N 3 K 4 M 5 N 6 K 7 K 8 M 9 L 10 L 11 L 12 L 13 K 14 M 15 M
16 K 17 M 18 L 19 N 20 L 21 M 22 L 23 M 24 M 25 K 26 N 27 L 28 M 29 K 30 M

1. wewb‡qvMKvixiv †Kvb g~j¨‡K AwaK ¸iæZ¡ †`q? wb‡Pi †KvbwU mwVK? 20. wb‡Pi †KvbwU we‡f`v¼ wbY©‡qi m~Î?
K eZ©gvb g~j¨ L fwel¨r g~j¨ K i I ii L i I iii M ii I iii N i, ii I iii 

x
M evwl©K g~j¨ N wPi¯’vqx e„wË 11. g~jab ev‡RwUs wm×všÍ †KvbwU? K CV =  100 L CV =  100
x 
2. Aa©evwl©K Pµe„w× n‡j 2 eQ‡i KZevi K cY¨ µq L KuvPvgvj µq  2

M CV =  100 N CV = 2  100
Pµe„w× n‡e? M hš¿cvwZ µq N R¡vjvwb µq x x
K2 L4 12. †gvU gybvdv †_‡K Ki ev` w`‡j wb‡Pi 21. we‡f`v‡¼i gva¨‡g Kx Kiv nq?
M8 N 12 †KvbwU cvIqv hvq? i. Av‡cwÿK Zzjbv
3. FY cwi‡kva ZvwjKvq †Ìqv _v‡K? K wbU gybvdv L bM` ewntcÖevn ii. cvi¯úwiK SzuwK we‡ePbv
i. wKw¯Íi cwigvY iii. Avq I SzuwKi ci¯úi Zzjbv
M bM` AvšÍtcÖevn N AePq
ii. my‡ì cwigvY wb‡Pi †KvbwU mwVK?
13. g~jab ev‡RwUs cÖwµqvq evÆvK…Z bM`
iii. Avmj UvKv K i I ii L i I iii M ii I iii N i, ii I iii
wb‡Pi †KvbwU mwVK? cÖevn †KŠkj n‡jv
22. evRvi SzuwKi gvb 1.5| SzuwKgy³ Av‡qi nvi
K i I ii L i I iii M ii I iii N i, ii I iii i. wbU eZ©gvb g~j¨
7% Ges evRvi Av‡qi nvi 13% n‡j †Kv‡bv
ii. Af¨šÍixY gybvdvi nvi
4. Ô72 wewaÕ Abyhvqx wmwKDwiwUi cÖZ¨vwkZ Av‡qi nvi KZ?
i. †gqv` w`‡q ¸Y Ki‡j my` cvIqv hvq iii. gybvdv AR©b m~PK
K 7% L 8% M 9% N 10%
ii. †gqv` w`‡q fvM Ki‡j my` cvIqv hvq wb‡Pi †KvbwU mwVK? *[we.`ª. : mwVK DËi : 16%]
iii. my` nvi w`‡q fvM Ki‡j †gqv` cvIqv hvq K i I ii L i I iii M ii I iii N i, ii I iii
23. gybvdv AR©‡bi j‡ÿ¨ †h A_©vqb cwiPvwjZ
wb‡Pi †KvbwU mwVK?  DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : nq Zv‡K Kx e‡j?
K i I ii L i I iii M ii I iii N i, ii I iii wgw_jv †Kv¤úvwbi cÖavb wbe©vnx wg‡mm K eëmvq A_©vqb L Aeëmvq A_©vqb
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : el©v| wZwb GKwU bZzb cÖK‡íi wewb‡qv‡Mi M e¨w³MZ A_©vqb N miKvwi A_©vqb
wbcv †UªWvm© Zvi KviLvbvi Rb¨ GKwU †gwkb jvfRbKZv wbY©‡qi c~‡e© ci ci 4 eQ‡ii 24. GKvwaK jvfRbK cÖK‡í wewb‡qvM Kiv
¯’vc‡bi wm×všÍ wb‡jb| wZwb GB †gwkb wbU gybvdv †hvM K‡i †gvU gybvdv‡K 4 n‡j Zv‡K Kx e‡j?
†_‡K AvMvgx 8 eQi a‡i Avq cv‡eb| Øviv fvM K‡ib| wKš‘ †gvU wewb‡qvM‡K 2 K A‡_©i mgqg~j¨ bxwZ L Zvij¨ bxwZ
†gwkb †_‡K cÖvß fwel¨r bM` AvšÍtcÖev‡ni Øviv fvM K‡ib| M Dchy³Zvi bxwZ N †cvU©‡dvwjI bxwZ
eZ©gvb g~j¨ †_‡K cÖv_wgK wewb‡qvM ev` 14. wg‡mm el©vi Abym„Z c×wZ †KvbwU? 25. miKvwi A_©vq‡bi cÖavb D‡Ïk¨ n‡jv
w`‡q cÖKíwUi jvfRbKZv wbY©q Kiv nq| K Mo gybvdvi nvi L †c-e¨vK mgq K gybvdv me©vwaKiY L m¤ú` me©vwaKiY
5. wbcv †UªWvm©-Gi †gwkb ¯’vc‡bi wm×všÍwU M wbU eZ©gvb g~j¨ M RbKj¨vY N eëmvq m¤úÖmviY
n‡jv N Af¨šÍixY gybvdvi nvi 26. eëmvq cÖwZôv‡bi wbU Av‡qi †h Ask
K bM` ev‡RwUs L g~jab ev‡RwUs †kqvigvwjK‡ì g‡a¨ eÈb Kiv nq Zv‡K
15. DÏxc‡K wb‡`©wkZ c×wZi mxgve×Zv n‡jv
M µq ev‡RwUs N weµq ev‡RwUs Kx e‡j?
i. A‡_©i mgqg~j¨ we‡ePbv Kiv nq bv
6. wbcv †UªWvm© cÖKíwU jvfRbK g‡b K‡ib K msiwÿZ Znwej L jf¨vsk
ii. bM` AvšÍtcÖevn we‡ePbv bv Kiv
KviY Bnvi iii. gybvdv I wewb‡qvM‡K wfbœ msL¨v Øviv fvM M †gvU gybvdv N wbU gybvdv
K PBP < 0 L NPV > 0 27. m¤ú` m‡e©v”PKiY ej‡Z †evSvq
M ARR > 0 N PI > I wb‡Pi †KvbwU mwVK?
K i I ii L i I iii M ii I iii N i, ii I iii K weµq e„w× L gybvdv e„w×
7. eëmvq cÖwZôv‡bi ¯’vqx m¤úwË I wewb‡qv‡Mi
16. GKwU cÖK‡íi cÖv_wgK wewb‡qv‡Mi cwigvY M †kqvicÖwZ Avq e„w×
D‡Ï‡k¨ msM„nxZ Znwej‡K Kx ejv nq?
N †kqv‡ii evRvig~j¨ e„w×
K ¯^í‡gqvw` A_©vqb 2,00,000 UvKv Ges Mo Ki cieZ©x wbU
gybvdv 50,000 UvKv| cÖKíwUi Mo 28. Pµe„w×i cÖwµqv eënvi Kiv nq †KvbwUi
L PjwZ g~ja‡bi A_©vqb
†ÿ‡Î?
M ga¨‡gqvw` A_©vqb gybvdvi nvi KZ?
N `xN©‡gqvw` A_©vqb K 12.5% L 25%
M cÖe„w× N gy`ªvùxwZ
8. wb‡Pi †KvbwU cÖvwZôvwbK A_©vq‡bi Drm? M 40% N 50%
29. Pµe„w×i msL¨v evo‡j †Kvb g~j¨ evo‡e?
K evwYwR¨K e¨vsK L eÛ 17. F‡Yi my` †_‡K †Kvb ai‡bi SzuwKi m„wó nq? K eZ©gvb g~j¨ L fwel¨r g~j¨
M MÖvg¨ gnvRb N †kqvi K evRvi SzuwK L Avw_©K SzuwK
M evwl©K e„wË N AePq
9. †KvbwU SzuwKwenxb wewb‡qvM? M eëmvwqK SzuwK N †gvU SzuwK 30. Kvh©Kix my‡ì nvi wbY©‡qi m~Î †KvbwU?
K †kqvi L eÛ 18. cÖZ¨vwkZ Av‡qi ZviZg¨ n‡jv K EIR = (1 + i)n  1
M wW‡eÂvi N †UªRvwi wej K ÿwZ L SzuwK i m
10. wewb‡qvMKvixi `„wó‡KvY †_‡K mvaviY M gybvdv N wewb‡qvM ( )
L EIR = 1 +
m
1
†kqv‡ii †ÿ‡Î myweav n‡jv 19. Avq I SzuwKi g‡a¨ †Kvb ai‡bi m¤úK© i mn
i. wbqš¿Y we`¨gvb? ( )
M EIR = 1 +
m
n
1
ii. m¤ú‡ì Dci `vwe K abvZ¥K L FYvZ¥K i

iii. cwiPvjbvi Dci `vwe M EaŸ©gyLx N wb¤œgyLx
( )
N EIR = 1 +
m
1
1 K 2 L 3 N 4 M 5 L 6 L 7 N 8 K 9 N 10 L 11 M 12 K 13 N 14 K 15 K
16 N 17 L 18 L 19 K 20 K 21 N 22 * 23 K 24 N 25 M 26 L 27 N 28 L 29 L 30 L
28 XvKv †evW© 2021 welq †KvW : 2 9 2

Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| mKj cÖ‡kœi DËi w`‡Z n‡e| cÖkc
œ ‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|]
1. GKwU †Kv¤úvwb Zvi mvgvwRK `vwqZ¡ 10. e¨vsK KZ…©K Rbve Kwi‡gi cÖ`Ë myweav‡K 19. eÛ ev wW‡eÂvi µq Ki‡j †Kvb ai‡bi
cvjb Ki‡Z cv‡i †Kvb cwjwmi AšÍfz©³ Kiv nq? SzuwKi m¤§yLxb n‡Z nq?
i. `wi`ª †gavex QvÎ-QvÎx‡ì e„wË K MÖvnK †mev L †fv³v FY K Zvij¨ L my‡ì nvi
cÖ`v‡bi gva¨‡g M M„nvqb FY N my‡hvM e¨q M eëmvwqK SzuwK N Avw_©K SzuwK
ii. cÖwZôv‡b Av¸b †bfv‡bvi eë¯’v K‡i 11. miKvwi A_©vq‡bi Drm n‡”Q 20. †`‡ki ivR‰bwZK Ae¯’v cwieZ©‡bi d‡j
iii. Ôgv`K‡K bv e‡jvÕ GB †¯øvMvb cÖPvi K‡i i. †UªRvwi wej †Kvb ai‡bi SzuwK m„wó nq?
wb‡Pi †KvbwU mwVK? ii. AvqKi K evRvi SzuwK L gvbweK SzuwK
K i I ii L i I iii M ii I iii N i, ii I iii iii. Avg`vwb ïé M eëmvwqK SzuwK N Avw_©K SzuwK
2. Zvi‡jï cwigvY e„w× †c‡j gybvdv Kx wb‡Pi †KvbwU mwVK? 21. wb‡Pi †KvbwU SzuwKgy³ wmwKDwiwU?
n‡Z cv‡i? K i I ii L i I iii M ii I iii N i, ii I iii K †UªRvwi wej L †kqvi
K n«vm L e„w× M eÛ N wgDPzqvj dvÛ
12. `xN©‡gqvw` wfwË‡Z jvfRbK cÖK‡í
M AcwiewZ©Z N kZKiv n«vm 22. †Kv‡bv cÖwZôv‡b kÖwgK ag©N‡Ui d‡j †Kvb
wewb‡qvM wm×všÍ‡K ejv nq
 DÏxcKwU c‡o 3bs cÖ‡kœi DËi `vI : ai‡bi SzuwKi m„wó nq?
K A‡_©i mgqg~j¨ L g~jab e¨q
Rbve iwng GKRb e¨vsKvi| wZwb 7 jÿ K Avw_©K SzuwK L evRvi SzuwK
M g~jab ev‡RwUs
UvKvi g‡a¨ 5 jÿ UvKv e¨vs‡K FDR K‡i M †Kv¤úvwb SzuwK N †gvU SzuwK
N wewb‡qv‡Mi fwel¨r g~j¨
iv‡Lb Ges evwK 2 jÿ UvKv w`‡q †gNbv 23. cwi‡ek `~lYgy³ ivLv A_©vq‡bi †Kvb
13. †KvbwU g~jab ev‡RwUs g~j¨vq‡bi mbvZb welqwUi AšÍfz©³?
A‡qj †Kv¤úvwbi †kqvi µq K‡ib|
3. Rbve iwng wewb‡qv‡Mi †ÿ‡Î †Kvb bxwZwU †KŠkj? K weµqmsµvšÍ `vqe×Zv
K cwi‡kvaKvj
AbymiY K‡i‡Qb? L mvgvwRK `vqe×Zv
L wbU eZ©gvb g~j¨
K Zvij¨ I gybvdv M gybvdvmsµvšÍ `vqe×Zv
L SzuwK I gybvdv M Af¨šÍixY gybvdvi nvi N SzuwKmsµvšÍ `vqe×Zv
M †cvU©‡dvwjI êwPÎ¨KiY N evÆvK…Z cwi‡kvaKvj
 DÏxcKwU c‡o 24bs cÖ‡kœi DËi `vI :
N Dchy³Zvi 14. A‡_©i fwel¨r g~j¨ wbY©q Kivi cÖwµqv‡K
M †Kv¤úvwbi weUvi gvb 1.7| †UªRvwi we‡ji
4. fwel¨‡Z cÖvß UvKvi GLbKvi g~j¨‡K Kx Kx e‡j? Av‡qi nvi 6% Ges evRvi Av‡qi nvi 16%|
ejv nq? K evÆvKiY L Pµe„w×KiY
24. M †Kv¤úvwbi cÖ‡qvRbxq Av‡qi nvi KZ?
K eZ©gvb g~j¨ L fwel¨r g~j¨ M eZ©gvb g~j¨ N Avw_©K e„wË
K 21% L 23%
M evwl©Kx N wPi¯’vqx 15. g~jab ev‡RwUs‡qi evÆvK…Z †KŠkj †KvbwU? M 25% N 27%
5. my`vm‡ji Ici †Kvb my` cÖ`vb Kiv nq? K NPV L ROI
25. †Kv‡bv e¨w³i Avq-e¨q wb‡q †h A_©vq‡b
K mij my` L Pµe„w× my` M ARR N PBP
16. †gvU gybvdv †_‡K Ki ev` w`‡j †KvbwU Av‡jvPbv Kiv nq Zv‡K Kx ejv nq?
M wbU my` N †gvU my`
K Aeëmvq A_©vqb L e¨w³MZ A_©vqb
6. eZ©gvb g~j¨ wbY©q Kivi cÖwµqv‡K Kx e‡j? cvIqv hvq?
M miKvwi A_©vqb N AvšÍR©vwZK A_©vqb
K Pµe„w× L gy`ªvùxwZ K AePq L bM` cÖevn
M evwl©K e„wË N evÆvKiY M Ki-cieZ©x gybvdv N Ki-c~e©eZ©x gybvdv
26. gybvdv AR©‡bi D‡Ï‡k¨ †h A_©vqb
7. ˆÎgvwmK Pµe„w× MYbvi †ÿ‡Î Pµe„w×i cwiPvwjZ nq Zv‡K Kx e‡j?
K eëmvq A_©vqb L Aeëmvq A_©vqb
msL¨v KZ? weRjx †Kv¤úvwbi cÖavb wbe©vnx wg‡mm el©v
K1 L2 M4 N6 M miKvwi A_©vqb N e¨w³MZ A_©vqb
GKwU bZzb cÖK‡íi wewb‡qv‡Mi 27. GKvwaK jvfRbK cÖK‡í wewb‡qvM Kiv
8. wewa-72 Gi gva¨‡g †ei Kiv nq †Kvb jvfRbKZv wbY©q Ki‡Z Pvb| wZwb cici
g~jab KZ mg‡q n‡j Zv‡K Kx ejv nq?
4 eQ‡ii wbU gybvdvi mv‡_ AePq †hvM bv K A‡_©i mgqg~j¨ bxwZ
K wØ¸Y nq L wZb¸Y nq
K‡iB †gvU gybvdv‡K 4 Øviv fvM K‡ib L Zvij¨ bxwZ
M Pvi¸Y nq N cuvP¸Y nq
Ges †gvU wewb‡qvM‡K 2 Øviv fvM K‡ib| M †cvU©‡dvwjI bxwZ N Dchy³Zvi bxwZ
9. FY cwi‡kva ZvwjKvq Kx †Ìqv _v‡K?
17. wg‡mm el©vi Abym„Z c×wZ †KvbwU? 28. wbU Av‡qi †h Ask †kqvigvwjK‡ì g‡a¨
i. wKw¯Íi cwigvY
K wbU eZ©gvb g~j¨ L †c-e¨vK mgq eÈb Kiv nq bv Zv‡K Kx e‡j?
ii. my‡ì cwigvY
M Mo gybvdvi nvi K jf¨vsk Znwej L msiwÿZ Znwej
iii. Avmj UvKv
N Af¨šÍixY gybvdvi nvi M †gvU gybvdv N wbU gybvdv
K i I ii L ii I iii M i I iii N i, ii I iii 18. DÏxc‡K wb‡`©wkZ c×wZwUi mxgve×Zv n‡jv 29. SzuwKi mv‡_ gybvdvi m¤úK© Kxiƒc?
 DÏxcKwU c‡o 10bs cÖ‡kœi DËi `vI : i. A‡_©i mgqg~j¨ D‡cwÿZ K wbi‡cÿ L mgvšÍivj
Rbve Kwi‡gi wbR¯^ A_© bv _vKvq GKwU ii. mKj bM` cÖev‡ni g~j¨ mgvb M FYvZ¥K N abvZ¥K
e¨vs‡Ki gva¨‡g 12% my‡` gvwmK 1000 iii. gybvdv I wewb‡qvM‡K wfbœ msL¨v Øviv fvM 30. Aeëmvq cÖwZôv‡bi A_©vq‡bi D‡Ïk¨ Kx?
UvKv wKw¯Í‡Z 10 eQ‡i cwi‡kva Kivi wb‡Pi †KvbwU mwVK? K wewb‡qvM L gybvdv AR©b
wbwg‡Ë GKwU wd«R µq K‡ib| K i I ii L i I iii M ii I iii N i, ii I iii M gybvdv eÈb N mvgvwRK Kj¨vY
1 N 2 K 3 M 4 K 5 L 6 N 7 M 8 K 9 N 10 L 11 N 12 M 13 K 14 L 15 K
16 M 17 M 18 K 19 L 20 K 21 K 22 M 23 L 24 L 25 L 26 K 27 M 28 L 29 N 30 N

1. weµq †_‡K Kimn me LiP ev` w`‡j Kx 11. Rbve Avjx 10% my‡` 10,000 UvKv 2 21. eëmv‡qi `„wó‡KvY †_‡K SzuwKi Drm n‡jv
cvIqv hvq? eQ‡ii Rb¨ e¨vs‡K Rgv ivLvi wm×všÍ †bb| i. eëmvwqK SzuwK
K Mo gybvdv L †gvU gybvdv 10% mij my‡` 2q eQi KZ UvKv my` cv‡eb? ii. Avw_©K SzuwK
M wbU weµq N wbU gybvdv K 1,000 UvKv L 1,100 UvKv iii. evRvi SzuwK
2. †KvbwU SzuwKgy³ Avq? M 2,000 UvKv N 2,200 UvKv
K miKvwi eÛ n‡Z cÖvß Avq
 DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : K i I ii L i I iii M ii I iii N i, ii I iii
L mvaviY †kqv‡i wewb‡qvM n‡Z Avq
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N K‡c©v‡iU eÛ n‡Z cÖvß Avq
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M wewb‡qvM Kvh©µg N mvgvwRK Kvh©µg K AwbðqZv L SzuwK
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K AMÖvwaKvi †kqvi L K‡c©v‡iU eÛ
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†g‡b Pjv DwPZ? K ÿwZi L e¨‡qi
K SzuwK I gybvdvi  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
M SzuwKi N wePz¨wZi
L Zvij¨ I gybvdvi wg. Avjx wmwU e¨vs‡Ki GKwU ¯‹x‡g 1,00,000
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M †cvU©‡dvwjI êwPÎ¨vq‡bi UvKv Rgv iv‡Lb| wmwU e¨vsK wj.-Gi GB
K bxwZ L wewb‡qvM
N A‡_©i mgqg~j¨ ¯‹x‡g 5 eQi 10% nv‡i Pµe„w× my` †`‡e|
M wm×všÍ MÖnY N g~j¨vqb
7. Rbve Avwid hw` Zvi Av‡qi cy‡ivUvB 27. wg. Avjxi e¨vsK RgvK…Z UvKv‡K †Kvb
17. Mo gybvdv nvi c×wZi myweav n‡jv
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†KvbwU?
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K FY g~jab L †kqvi g~jab iii. g~jab wbqš¿Y
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K Znwej msMÖn L Znwej eÈb M A_©‰bwZK g›`v N Drcv`b eë¯’vcbv wb‡Pi †KvbwU mwVK?
M g~jab msMÖn N m¤ú` eë¯’vcbv 20. kZKiv 10% nv‡i eZ©gvb 100 UvKvi 5 K i I ii L i I iii M ii I iii N i, ii I iii
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K e¨q L my`vmj K 151 UvKv L 161 UvKv K my‡ì nvi L gy`ªvbxwZ
M gybvdv N Avmj M 171 UvKv N 181 UvKv M A‡_©i Zvij¨ N ewa©Z gybvdv
1 N 2 K 3 N 4 M 5 M 6 L 7 N 8 L 9 K 10 N 11 K 12 M 13 M 14 L 15 M
16 N 17 K 18 M 19 K 20 L 21 K 22 K 23 L 24 L 25 M 26 N 27 M 28 K 29 K 30 K
30 h‡kvi †evW© 2021 welq †KvW : 2 9 2

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K †kqvicÖwZ Avq M 10,000 N 50,000 K Znwej msMÖn
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K AePq L eZ©gvb g~j¨
M SzuwK N AwbðqZv K evwl©Kx L Pµe„w×KiY
M fMœve‡kl g~j¨ N cy¯ÍK g~j¨
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K 1929 L 1933 M 1937 N 1941
K A‡_©i mgqg~j¨ L g~jab e¨q K mgvbycvwZK L AvbycvwZK
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M g~jab ev‡RwUs N jf¨vsk bxwZ M abvZ¥K N FYvZ¥K
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K Avw_©K SzuwK L evRvi SzuwK
M eëmvwqK SzuwK N †Kv¤úvwb SzuwK ii. Avm‡ji cwigvY e„w× cvq wg‡mm mvdv Zvi A_© mgvbfv‡e cÙv wj.
iii. my`vm‡ji cwigvY n«vm cvq I †gNbv wj. †Kv¤úvwbi †kqv‡i wewb‡qvM
Rbve AvwiR GKwU e„n`vqZb dv‡g©i Avw_©K wb‡Pi †KvbwU mwVK? K‡i| †mLvb †_‡K Av‡qi nvi h_vµ‡g
eë¯’vcK| †m me©`vB GKwU jÿ¨ AR©‡bi †Póv K i I ii L i I iii M ii I iii N i, ii I iii 12% I 14%|
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me©vwaK Kivi cÖwZ ¸iæZ¡v‡ivc K‡i| eQi ci weµqg~j¨ 110 UvKv Ges jf¨vsk K 12% L 13%
6. Rbve Avwi‡Ri AbymiY Kiv jÿ¨‡K 5 UvKv n‡j, †gvU gybvdvi nvi KZ? M 14% N 15%
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K m¤ú` me©vwaKiY L gybvdv me©vwaKiY 18. †cvU©‡dvwjI wewb‡qv‡Mi g~j D‡Ïk¨ Kx? G wewb‡qvM evwo‡q †gNbv wj. G n«vm Ki‡e?
M `vq me©wb¤œKiY N e¨q me©wb¤œKiY K gybvdv e„w× L SzuwK e„w× K †gNbv wj.-Gi Av‡qi nvi I cwiwgZ
7. Rbve Avwi‡Ri AbymiYK…Z j‡ÿï M gybvdv n«vm N SzuwK n«vm eëavb `y‡UvB n«vm †c‡j
mxgve×Zv wb‡Pi †KvbwU we‡ePbv bv Kiv? 19. SzuwK cwigv‡ci Rb¨ eënvi Kiv nq L †gNbv wj.-Gi Av‡qi nvi I cwiwgZ
i. SzuwK i. AvšÍtAv‡qi nvi eëavb `y‡UvB e„w× †c‡j
ii. bM` cÖevn ii. Av`k© wePz¨wZ M †gNbv wj.-Gi Av‡qi nvi AcwiewZ©Z
iii. gybvdv AR©‡bi mgq iii. we‡f`v¼ †_‡K Gi cwiwgZ eëavb n«vm †c‡j
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K i I ii L i I iii M ii I iii N i, ii I iii K i I ii L i I iii M ii I iii N i, ii I iii
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cÖwZ eQi 60,000 UvKv K‡i cvIqv
M wPi¯’vqx e„wË N mvaviY e„wË i. wbU eZ©gvb g~j¨ c×wZ‡Z cÖvß myweav
hv‡e| G‡ÿ‡Î cwi‡kvaKvj KZ n‡e?
9. evwl©K Mo wbU gybvdv‡K Mo wewb‡qvM Øviv K 2 eQi L 4 eQi
wewb‡qvMK…Z A‡_©i cwigv‡Yi mv‡c‡ÿ
fvM Ki‡j †KvbwU cvIqv hvq? M 6 eQi N 8 eQi
cwigvc Kiv nq bv
K †c-e¨vK wcwiqW L Mo gybvdvi nvi ii. cÖK‡íi bM` AvšÍtcÖevn cybivq
M wbU eZ©gvb g~j¨ N AvšÍtAv‡qi nvi 21. A‡_©i mgqg~j¨ cQ‡›ì KviY
i. AwbðqZv
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10% my‡` e¨vs‡K Rgv ivL‡Z Pvb, KZ ii. †fvM AMÖvwaKvi
iii. gy`ªvùxwZ
cÖK‡íi A‡bK¸‡jv AvšÍtAv‡qi nvi
eQ‡i H UvKv wØ¸Y n‡e? _vK‡Z cviv
K 6 eQi L 6.2 eQi wb‡Pi †KvbwU mwVK?
K i I ii L i I iii M ii I iii N i, ii I iii wb‡Pi †KvbwU mwVK?
M 7 eQi N 7.2 eQi
22. †Kv‡bv cÖKí MÖnY Kiv n‡j Ab¨ K i I ii L i I iii M ii I iii N i, ii I iii
11. CAPM-Gi AbywgZ kZ©vewj n‡jv
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ii. g~jab evRvi `ÿ n‡e bv ZLb H cÖKí‡K Kx e‡j? 7%, evRvi Av‡qi nvi 17% Ges weUv
iii. †Kv‡bv AvqKi _vK‡e bv K ¯^vaxb cÖKí mnM 0.70| cÖZ¨vwkZ Av‡qi nvi KZ?
wb‡Pi †KvbwU mwVK? L ci¯úi eR©bkxj cÖKí K 14% L 18.9%
K i I ii L i I iii M ii I iii N i, ii I iii M wbf©ikxj cÖKí N eûgyLxKiY cÖKí M 21.9% N 24%
1 L 2 N 3 M 4 M 5 L 6 L 7 N 8 M 9 L 10 N 11 L 12 M 13 L 14 M 15 K
16 K 17 M 18 N 19 M 20 L 21 N 22 L 23 M 24 M 25 K 26 N 27 L 28 N 29 M 30 K

1. wPi¯’vqx e„wË‡Z Awbw`©ó _v‡K †KvbwU? 11. eëmvq A_©vq‡bi cÖavb jÿ¨ Kx? wb‡Pi †KvbwU mwVK?
K A_© cÖev‡ni cwigvY K eëmvq A_© mieivn K i I ii L i I iii M ii I iii N i, ii I iii
L A_© cÖev‡ni mgq eëavb L eëmv‡qi SzuwK Kgv‡bv 21. mg‡qi cwieZ©‡bi mv‡_ mv‡_ A‡_©i
M A_© cÖev‡ni me©‡kl mgqmxgv M eëmv‡qi m¤ú` me©vwaKiY
g~‡jï cwieZ©b‡K Kx e‡j?
N my‡ì nvi N eëmv‡q A‡_©i myôz eë¯’vcbv
K A‡_©i fwel¨r g~j¨ L A‡_©i eZ©gvb g~j¨
2. wb‡Pi †KvbwU g~jab ev‡RwUs wm×všÍ? 12. evÆvKiY ej‡Z Kx †evSvq
M A‡_©i mgqg~j¨ N A‡_©i AZxZ g~j¨
K R¡vjvwb µq L gwbnvwi µq K evÆv wbY©‡qi c×wZ
M hš¿cvwZ µq N KuvPvgvj L Kvievwi evÆvq cY¨ wewµ  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI :
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nvi 20% Ges Mo wewb‡qvM 4,00,000 N eZ©gvb g~j¨ wbY©‡qi c×wZ GKwU †gwkb wKb‡Z Pvq| †gwkbwUi
UvKv n‡j, cÖKíwUi Mo wbU gybvdv KZ? 13. g~jab ev‡RwUs‡qi me©v‡cÿv MÖnY‡hvM¨ Avqy®‹vj 5 eQi| †gwkbwUi fMœve‡kl g~j¨
K 70,000 UvKv L 80,000 UvKv c×wZ †KvbwU? 30,000 UvKv| mij‰iwLK c×wZ‡Z
M 90,000 UvKv N 1,00,000 UvKv K wbU eZ©gvb g~j¨
AePq avh© Kiv nq|
4. A_©vq‡bi mvgvwRK `vqe×Zv n‡jv L AvšÍtAvq nvi
22. †gwkbwUi evwl©K AeP‡qi cwigvY KZ?
i. †fv³vi ¯^v_©iÿv M wewb‡qvM cwi‡kvaKvj
K 54,000 UvKv L 56,000 UvKv
ii. eë¯’vcbvi ¯^v_©iÿv N Mo Av‡qi nvi
M 76,000 UvKv N 60,000 UvKv
iii. †kqvi‡nvìvi‡ì ¯^v_©iÿv  DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI :
wg. KvRj GKRb mvaviY PvKwiRxex| wZwb 23. cÖKíwUi Mo wewb‡qvM KZ?
Zuvi mwÂZ A‡_©i 1,00,000 UvKv AB K 1,65,000 UvKv L 1,50,000 UvKv
5. SzuwK I Av‡qi g‡a¨ m¤úK© Kxiƒc? e¨vsK wj. G mÂqx ¯‹x‡g Rgv ivL‡Z Pvb| M 2,35,000 UvKv N 2,45,000 UvKv
K wb¤œgyLx L mgvbycvwZK e¨vs‡Ki GB ¯‹x‡g 5 eQ‡i UvKv wØ¸Y nq| 24. FY cwi‡kva m~wP‡Z cÖ`k©b Kiv nq
M abvZ¥K N FYvZ¥K 14. wg. KvRj KZ…K © AB e¨vsK wj. G RgvK…Z i. my‡ì cwigvY
UvKv †Kvb ai‡bi bM` cÖev‡ni AšÍfz©³? ii. wKw¯Íi cwigvY
K mvaviY evwl©K e„wË
wg. iZb GKRb Lvgvwi| Lvgvi eëmvq iii. Avm‡ji cwigvY
L AweiZ evwl©K e„wË
SzuwKc~Y© †R‡bI wZwb `y» Lvgvi, gyiwMi wb‡Pi †KvbwU mwVK?
M GKKvjxb bM`cÖevn
Lvgvi I †Kv‡q‡ji Lvgv‡i †ek wKQy A_© N wgkÖ bM`cÖevn K i I ii L i I iii M ii I iii N i, ii I iii
wewb‡qvM K‡ib| GKKfv‡e GKwU Lvgv‡i 15. wewa-72 Abymv‡i wg. KvR‡ji GB ¯‹x‡gi 25. Zvij¨ I gybvdvi g‡a¨ m¤úK© Kxiƒc?
wewb‡qv‡Mi gva¨‡g A‡b‡K ÿwZMÖ¯Í n‡jI my‡ì nvi KZ? K wecixZ L mij‰iwLK
wZwb gybvdv AR©‡b mÿg nb| K 14.40% L 15.35% M mgvbycvwZK N AvbycvwZK
6. wg. iZb wewb‡qv‡Mi †Kvb bxwZ MÖnY K‡i‡Qb? M 15.87% N 20% 26. †KvbwU A_©vqb Kvh©vewji AšÍfz©³ bq?
K SzuwK I Av‡qi bxwZ 16. KqwU †KŠkj eënvi K‡i A‡_©i mgqg~j¨ K Avw_©K cwiKíbv L jf¨vsk wm×všÍ
L Zvij¨ I gybvdvi bxwZ wbY©q Kiv nq?
M e¨q wbqš¿Y bxwZ M wewb‡qvM wm×všÍ N g~j¨ wba©viY
K 2wU L 3wU
N †cvU©‡dvwjI bxwZ 27. miKvwi A_©vq‡bi g~j jÿ¨ †KvbwU?
M 4wU N 5wU
7. iZ‡bi GKvwaK Lvgv‡i wewb‡qv‡Mi d‡j K gybvdv me©vwaKiY L e¨q wbqš¿Y
17. e„wË mg‡qi ïiæ‡Z cÖ`vb Kiv n‡j Zv‡K
i. SzuwK Kg n‡q‡Q Kx e‡j? M RbKj¨vY N m¤ú` me©vwaKiY
ii. gybvdv †ewk n‡q‡Q K mvaviY evwl©K e„wË L AwMÖg evwl©K e„wË 28. †KvbwU‡Z g~jab †di‡Zi mgqKvj
iii. Lvgvi cwiKíbv mnR n‡q‡Q M wejw¤^Z evwl©K e„wË N wPi¯’vqx e„wË we‡ePbv Kiv nq?
wb‡Pi †KvbwU mwVK? 18. A_©vq‡bi g~j welqe¯‘ Kx? K IRR L NPV
K i I ii L i I iii M ii I iii N i, ii I iii K kÖg L cwiKíbv M ARR N PBP
8. g~jab ev‡RwUs‡qi cÖ_g avc †KvbwU? M Znwej N Drcv`b 29. wewa-72 †Kv_vq eënvi Kiv nq?
K cÖKí wbe©vPb L cÖKí g~j¨vqb 19. wg. mvweŸi 5% mij my‡` 1,600 UvKv K wØ¸Y L wZb¸Y
M cÖKí ev¯Íevqb N cÖKí cÖYqb avi K‡ib| 3 eQ‡i Zv‡K KZ UvKv my` M Pvi¸Y N mgvb A¼
9. miKvwi A_©vq‡bi cÖ_g KvR †KvbwU? w`‡Z n‡e? 30. miKvwi A_©vq‡bi D‡Ïk¨ n‡jv
K Avq L e¨q K 260 UvKv L 240 UvKv
i. mvgvwRK Kj¨vY
M †`kR Drcv`b N RvZxq Avq M 230 UvKv N 220 UvKv
ii. eëmvwqK cÖmvi
10. KuvPvgv‡ji g~j¨ Kg‡Z I evo‡Z eëmv‡q 20. A‡_©i mgqg~j¨ Rvbv cÖ‡qvRb
iii. m¤ú‡ì myôz eënvi
wb‡Pi †Kvb SzuwK m„wó nq? i. A_© msMÖ‡ni mgq
K eëmvq SzuwK L Avw_©K SzuwK ii. Avw_©K eë¯’vcbvq wb‡Pi †KvbwU mwVK?
M Zvij¨ SzuwK N evRvi SzuwK iii. Avw_©K wm×všÍ MÖn‡Yi mgq K i I ii L i I iii M ii I iii N i, ii I iii
1 M 2 M 3 L 4 N 5 M 6 N 7 K 8 N 9 L 10 K 11 M 12 N 13 K 14 M 15 K
16 K 17 L 18 M 19 L 20 N 21 M 22 K 23 K 24 N 25 K 26 N 27 M 28 N 29 K 30 L

1. †Kvb ai‡bi SzuwKi Ici †Kv¤úvwbi 13. GKwU cÖK‡íi cÖv_wgK LiP 50,000 UvKv m¤¢vebv Av‡qi nvi (%)
eë¯’vcbvi †Kv‡bv wbqš¿Y _v‡K bv? Ges D×vi‡hvM¨ g~j¨ 10,000 UvKv| cÖ_g .30 7
K †Kv¤úvwb SzuwK L evRvi SzuwK †_‡K Z…Zxq eQi ch©šÍ AePq I .40 10
M Zvij¨ SzuwK N µqÿgZv SzuwK KicieZ©x gybvdv h_vµ‡g 8,000 UvKv, .30 12
2. wb‡Pi †KvbwU A_©vq‡bi Kvh©vewj ewnf‚©Z? 10,000 UvKv I 12,000 UvKv cvIqv 22. wmRvb dvg©vi cÖZ¨vwkZ Av‡qi nvi KZ?
K Znwej msMÖn L g~jab ev‡RwUs †M‡j Mo gybvdvi nvi KZ? K 7.2% L 9.7%
M Avq msiÿY N wecYb cÖmvi K 25% L 50% M 11.7% N 11.8%
3. wb‡Pi †KvbwU SzuwKwenxb? M 75% N 85% 23. hw` miKvwi wmwKDwiwU‡Z 10% my`
K FYcÎ L evwYwR¨K KvMR *[we.`ª. : mwVK DËi : 33.33%] cvIqv hvq Z‡e DÏxc‡K Av‡jvwPZ
M mvaviY †kqvi N †UªRvwi wej 14. †h wbw`©ó evÆvi nv‡i bM` AvšÍtcÖevn I wmwKDwiwU‡Z wewb‡qvM
4. SzuwK n«vm-e„w×i Zzjbvg~jK cÖKvk‡K Kx e‡j? bM` ewntcÖev‡ni eZ©gvb g~j¨‡K mgvb K hyw³hy³ n‡e bv
K m¤¢vebv L Mo SzuwK
K‡i †`q Zv‡K Kx e‡j? L †Kv‡bv cÖfve †bB
K NPV L PBP
M Av`k© wePz¨wZ N we‡f`v¼ M hyw³gy³ n‡e
M IRR N ARR
5. wØ-gvwmK Pµe„w×Ki‡Yi †ÿ‡Î 'm'-Gi N wej‡¤^ wm×všÍ wb‡Z n‡e
gvb KZ? 24. CAPM g‡W‡ji AbywgZ kZ© bq †KvbwU?
†gNbv †Kvs wj. 60,000 UvKvi GKwU †gwkb K Avw_©K evRv‡i †jb‡`‡bi †Kv‡bv LiP †bB
K2 L6 M 12 N 52 µq Kij| †gwkb †_‡K AvMvgx 1g I 2q
6. wknve 8% my‡` 10,000 UvKv e¨vs‡K Rgv L A_©bxwZ‡Z †Kv‡bv gy`ªvùxwZ †bB
eQi h_vµ‡g 40,000 UvKv I 50,000 M g~jab evRvi me©`v `ÿ n‡e
ivL‡j Ô69 wewaÕ Abyhvqx D³ UvKv KZ UvKv AvšÍtcÖevn NU‡e e‡j aviYv Kiv nq| N wewb‡qvM †_‡K mKj wewb‡qvMKvixi
eQ‡i wØ¸Y n‡e? 1g eQi †k‡l †givgZ eve` LiP 10,000
K 8.97 eQi L 9.50 eQi
cÖZ¨vwkZ Av‡qi nvi mgvb bq
UvKv Ges †Kv¤úvwbi my‡hvM e¨q 10% n‡j  DÏxcKwU c‡o 25 I 26bs cÖ‡kœi DËi `vI :
M 10 eQi N 11 eQi 15. †gNbv †Kvs wj.-Gi †gvU bM` ewntcÖevn KZ?
7. evwl©K e„wË cÖavbZ KZ cÖKvi? GKwU ÷‡K weUvi gvb 1.8, SzuwKgy³
K 58,091 UvKv L 69,091 UvKv
K2 L3 M4 N5 Av‡qi nvi 7% Ges evRv‡ii Mo
M 70,000 UvKv N 78,091 UvKv
cÖwZ`v‡bi nvi 10%|
 DÏxcKwU c‡o 8 I 9bs cÖ‡kœi DËi `vI : 16. cÖKíwUi wbU eZ©gvb g~j¨ KZ? 25. cÖZ¨vwkZ Av‡qi nvi KZ?
Rbve ivdv 20,000 UvKv GKwU e¨vs‡K 5 K 8,594 UvKv L 8,595 UvKv
K 5.80% L 7.26%
eQ‡ii Rb¨ Rgv iv‡Lb| my‡ì nvi 10%| M 17,500 UvKv N 17,686 UvKv
M 12.40% N 15.60%
8. e¨vsK mij my` wnmve Ki‡j ivdv 17. g~jab ev‡RwUs‡qi me©‡kl avc †KvbwU? 26. evRvi Av‡qi nvi 12% n‡j cÖZ¨vwkZ
†gqv`c~wZ©‡Z KZ UvKv my` cv‡e? K cÖKí cybtg~j¨vqb L cÖKí wbe©vPb
Av‡qi nv‡i Kx cwieZ©b NU‡e?
K 5,000 UvKv L 10,000 UvKv M wewb‡qvM cwiKíbv N cÖKí ev¯Íevqb K 8.6% e„w× cv‡e L 3.6% e„w× cv‡e
M 15,000 UvKv N 20,000 UvKv 18. GKwU ¯^vaxb cÖKí mvaviYZ MÖnY‡hvM¨ nq M 8.6% n«vm cv‡e N 3.6% n«vm cv‡e
9. e¨vsK Pµe„w× my` MYbv Ki‡j bv hLb 27. miKvwi A_©vq‡bi Drm
†gqv`c~wZ©‡Z D³ UvKvi Pµe„w× my‡ì K PI > 1 L PI < 1
i. Avg`vwb ïé
mv‡_ mij my‡ì eëavb KZ n‡e? M PI = 0 N PI = 1
ii. ißvwb ïé
K 550 UvKv L 1,220 UvKv 19. †KvbwU g~jab ev‡RwUs‡qi mbvZb c×wZ?
K IRR L NPV iii. AvqKi
M 2,210 UvKv N 3,220 UvKv wb‡Pi †KvbwU mwVK?
M ARR N PI
10. wPi¯’vqx e„wË Kx? 20. wb‡Pi †Kvb m~ÎwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii
K wbw`©ó †gqv` ch©šÍ mgnv‡i wKw¯Í cÖ`vb K E(R) = Rf + (Rm  Rf) 28. wb‡Pi †KvbwU Af¨šÍixY A_©vq‡bi Drm?
L Awbw`©ó †gqv‡` mgnv‡i wKw¯Í cÖ`vb L E(R) = Rf + (Rm + R1) K wkí e¨vsK L evwYwR¨K e¨vsK
M Awbw`©ó †gqv‡` Amgnv‡i wKw¯Í cÖ`vb M E(R) = Rm + (Rf  Rm) M evwYwR¨KcÎ N AvqKi
N wbw`©ó †gqv‡` Amgnv‡i wKw¯Í cÖ`vb N E(R) = Rm + (Rf + Rm) 29. wecixZgyLx m¤úK© we`¨gvb Giƒc `ywU n‡jv
11. evÆvKiY c×wZwU 21. Rbve Av‡iwdb 2020 mv‡ji Rvbyqvwi‡Z i. gybvdv I SzuwK
i. eZ©gvb g~‡jï mv‡_ m¤ú„³ 700 UvKvq GKwU †kqvi wK‡b eQi †k‡l ii. Zvij¨ I SzuwK
ii. Pµe„w×Ki‡Yi wecixZ 50 UvKv jf¨vsk cvb Ges †kqviwU 750 iii. gybvdv I Zvij¨
iii. evÆvi cwigvY wba©viY cÖwµqv UvKv weµq K‡ib| Rbve Av‡iwd‡bi wb‡Pi †KvbwU mwVK?
wb‡Pi †KvbwU mwVK? wewb‡qv‡Mi Ici †gvU Av‡qi nvi KZ? K i I ii L i I iii M ii I iii N i, ii I iii
K i I ii L i I iii M ii I iii N i, ii I iii K 7.14% L 7.28% 30. wb‡Pi †KvbwU A_©vq‡bi mvgvwRK `vwqZ¡ bq?
12. gybvdv me©vwaKi‡Y wb‡Pi †Kvb welqwU M 14.28% N 14.14% K †fv³v AwaKvi msiÿY
we‡ePbv Kiv nq bv?  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : L ¯^”Q wb‡qvMwewa AbymiY
K A‡_©i mgqg~j¨ L c‡Yï Pvwn`v m„wó wmRvb dvg©vi GKwU wmwKDwiwUi Z_¨vw` M `yb©xwZgy³ Kvh© cwi‡ek wbwðZKiY
M c‡Yï g~j¨ e„w× N c‡Yï weµq e„w× wb¤œiƒc N Lv‡`¨ †fRvjwe‡ivax Awfhvb
1 L 2 N 3 N 4 N 5 L 6 K 7 K 8 L 9 M 10 L 11 K 12 K 13 * 14 M 15 L
16 L 17 K 18 L 19 M 20 K 21 M 22 L 23 K 24 N 25 M 26 L 27 N 28 N 29 M 30 N
33 wm‡jU †evW© 2021 welq †KvW : 2 9 2

1. SzuwK I Av‡qi g‡a¨ Kxiƒc m¤úK© we`¨gvb? 11. wgm ¯^Yv© 5 eQ‡ii Rb¨ 10,000 UvKv 21. wg. ingv‡bi AbymiYK…Z j‡ÿï mxgve×Zv
K abvZ¥K L FYvZ¥K 12% my‡` avi MÖnY K‡ib| wgm ¯^Yv© i wb‡Pi †KvbwU we‡ePbv K‡i bv?
M wb¤œgyLx N mgvbycvwZK evwl© K wKw¯Í i cwigvY KZ? i. A‡_©i mgqg~j¨
K 2,754.10 UvKv L 2,764.10 UvKv ii. SzuwK
2. A‡_©i mgqg~j¨ wbY©‡q we‡ePbv Kiv nq
i. IRR M 2,774.10 UvKv N 2,784.10 UvKv iii. ïay bM` cÖevn
ii. ARR 12. EAR-Gi c~Yi© ƒc Kx? wb‡Pi †KvbwU mwVK?
iii. NPV K Earning Annual Rate K i I ii L i I iii M ii I iii N i, ii I iii
wb‡Pi †KvbwU mwVK? L Efficient Annual Rate 22. evÆvK…Z c×wZ‡Z wb‡Pi †KvbwU cÖKí
M Evaluable Annual Rate
K i I ii L i I iii M ii I iii N i, ii I iii N Effective Annual Rate g~j¨vq‡b ¸iæZ¡c~Y© †KŠkj?
 DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : 13. FY cwi‡kva m~wP n‡Z Rvbv hvq K my‡hvM e¨q L g~jab ev‡RwUs
ABC †Kv¤úvwbi Z_¨vewj wb¤œiƒc : M A‡_©i mgqg~j¨ N Znwe‡ji e¨q
i. my‡ì cwigvY
eQi Av‡qi nvi ii. wKw¯Íi cwigvY
23. fwel¨r g~j¨ wbY©‡q Kx cÖ‡qvRb nq?
iii. wKw¯Íi msL¨v i. eZ©gvb g~j¨
2018 15%
wb‡Pi †KvbwU mwVK? ii. my‡ì nvi
2019 14% iii. mg‡qi e¨wß
2020 13% wb‡Pi †KvbwU mwVK?
14. Af¨šÍixY A_©vq‡bi Drm †KvbwU?
3. ABC †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi KZ? K i I ii L i I iii M ii I iii N i, ii I iii
K wewb‡qvM e¨vsK L wegv †Kv¤úvwb
K 13% L 14% 24. A‡_© i eZ© gvb g~j¨ wbY©‡qi †KŠkj †KvbwU?
M evwYwR¨K e¨vsK N mvaviY mwÂwZ
M 15% N 16% K Pµe„w×KiY L evÆvKiY
15. A_©vq‡bi †gŠwjK wm×všÍ n‡jv
4. †Kv¤úvwbi Av`k© wePz¨wZ KZ? i. Avw_©K wm×všÍ
M mijxKiY N evwl©K e„wË
K 0.82 L 1.00 ii. jf¨vsk wm×všÍ 25. A‡_© i mgqg~ j ¨ ¸iæZ¡c~Y© KviY
M 2.00 N 2.50 iii. wewb‡qvM wm×všÍ i. AwbðqZv
5. †KvbwU miKvwi A_©vq‡bi Drm bq? wb‡Pi †KvbwU mwVK? ii. †fvM
K †kqvi weµq L AvqKi K i I ii L i I iii M ii I iii N i, ii I iii iii. wewb‡qv‡Mi my‡hvM
M Avg`vwb ïé N ißvwb ïé 16. eëmv‡qi Rxebxkw³ †KvbwU? wb‡Pi †KvbwU mwVK?
K cwiPvjK L kÖg K i I ii L i I iii M ii I iii N i, ii I iii
M g~jab N eë¯’vcbv 26. wg. iDd GKwU e¨vs‡K 8% my‡` 5 eQ‡ii
GKwU cÖK‡í cÖv_wgK wewb‡qvM
17. †KvbwU A_© v q‡bi bxwZ? Rb¨ 1,00,000 UvKv wewb‡qvM K‡ib| wg.
6,00,000 UvKv hv n‡Z bM` AvšÍtcÖevn
K Znwej msMÖn I eÈb iD‡di wewb‡qv‡Mi fwel¨r g~j¨ KZ?
1g eQi 1,50,000 UvKv, 2q eQi K 1,45,932.80 UvKv
L g~jab ev‡RwUs wm×všÍ
1,80,000 UvKv, 3q eQi 2,00,000 L 1,46,932.80 UvKv
M †cvU©‡dvwjI êwPÎ¨vqb
UvKv Ges 4_© eQi 1,20,000 UvKv| N PjwZ m¤ú` eë¯’vcbv M 1,47,932.80 UvKv
6. 3q eQi †k‡l µg‡hvwRZ bM` 18. miKvwi A_©vq‡bi g~j D‡Ïk¨ †KvbwU? N 1,48,932.80 UvKv
AvšÍtcÖevn KZ? K RbwcÖqZv e„w× 27. hw` my‡ì nvi 9% nq, Z‡e 5 eQi c‡ii
K 5,30,000 UvKv L 5,40,000 UvKv L m¤ú` me©vwaKiY 100 UvKvi eZ©gvb g~j¨ KZ n‡e?
M 5,50,000 UvKv N 5,60,000 UvKv M gybvdv AR©b K 62.99 UvKv L 63.99 UvKv
7. cÖKíwUi wewb‡qvM cwi‡kvaKvj KZ? N mvgvwRK Kj¨vY mvab M 64.99 UvKv N 65.99 UvKv
K 3.15 eQi L 3.25 eQi 19. 2020 mv‡j wgm fvebv Gi †Møve dvg©v 28. †KvbwU SzuwKhy³ wmwKDwiwUi Avq?
M 3.35 eQi N 3.70 eQi n‡Z †gvU Avq 1,10,000 UvKv, wbU Avq K †UªRvwi we‡ji my`
*[we.`ª. : mwVK DËi : 3.58 eQi] 50,000 UvKv Ges Mo wewb‡qvM L mvaviY †kqvi n‡Z g~jawb jvf
8. g~jab ev‡RwUs cÖwµqvi cÖavb D‡Ïk¨ †KvbwU? 5,00,000 UvKv| wgm fvebvi ARR KZ? M FYc‡Îi my`
K `xN©‡gqvw` wewb‡qvM L Avw_©K cwiKíbv K 9% L 10% M 11% N 12% N e¨vsK Rgvi my`
M ¯^í‡gqvw` wewb‡qvM N Znwej msMÖn  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : 29. SzuwK cwigv‡ci c×wZ n‡jv
9. g~jab ev‡RwUs‡qi evÆvK…Z †Kvb †KŠkjwU wg. ingvb GKwU e„n`vqZb dv‡g©i Avw_©K i. we‡f`v¼
cÖKí g~j¨vq‡b AwaK RbwcÖq I mnR c×wZ? eë¯’vcK| †m me©`vB Ggb GKwU jÿ¨ ii. Av`k© wePz¨wZ
K PBP L ARR AR©‡bi †Póv K‡i‡Q †hwU dv‡g©i Avq I iii. m¤¢vebvi web¨vm
M NPV N IRR e¨‡qi eëavb‡K me©vwaK Kivi cÖwZ ¸iæZ¡ wb‡Pi †KvbwU mwVK?
10. wmwKDwiwU A-Gi cÖZ¨vwkZ Av‡qi nvi Av‡ivc K‡i| K i I ii L i I iii M ii I iii N i, ii I iii
22% Ges cwiwgZ eëavb 8.36 n‡j 20. wg. ingv‡bi AbymiY Kiv jÿ¨‡K 30. CAPM-Gi c~Yi © ƒc n‡jv
we‡f`v¼ KZ? K Capital Asset Pricing Method
A_©vq‡bi fvlvq ejv nq L Capital Asset Product Method
K .35 L .36 K m¤ú` me©vwaKiY L e¨q me©vwaKiY M Capital Asset Pricing Model
M .37 N .38 M gybvdv me©vwaKiY N Avq me©vwaKiY N Capital Asset Product Model
1 K 2 L 3 L 4 L 5 K 6 K 7 * 8 K 9 M 10 N 11 M 12 N 13 N 14 N 15 N
16 M 17 M 18 N 19 L 20 M 21 N 22 L 23 N 24 L 25 N 26 L 27 M 28 L 29 N 30 M

1. m¤¢vebv web¨v‡mi cwiwgZ eëavb‡K Gi 11. DÏxc‡Ki Rbve gvmy‡gi eëmv‡qi g~j 20. Pµe„w× c×wZ‡Z †KvbwUi Ici my` avh©
cÖZ¨vwkZ Avq Øviv fvM Ki‡j Kx cvIqv hvq? jÿ¨ Kx wQj? Kiv nq?
K we‡f`v¼ L Av`k© wePz¨wZ K e¨w³MZ mybvg AR©b K Avm‡ji Ici L my`vm‡ji Ici
M eQ‡ii msL¨v N Mo Avq L m¤ú` me©vwaKiY M Rgvi Ici N jf¨vs‡ki Ici
2. g~jab KvVv‡gv‡Z FYK…Z g~jab _vK‡j M gybvdv me©vwaKiY 21. fwel¨‡Z cÖvß A‡_©i AvR‡Ki g~j¨‡K Kx
†Kvb SzuwKi m„wó nq? N mvgvwRK Kj¨vY mvab ejv nq?
K eëmvwqK SzuwK L evRvi SzuwK 12. Rbve gvmyg eëmv‡q wewb‡qv‡Mi †ÿ‡Î K evwl©K e„wË L fwel¨r g~j¨
M Avw_©K SzuwK N LuvwU SzuwK wb‡Pi †Kvb bxwZwU AbymiY K‡i‡Qb? M Zvij¨ N eZ©gvb g~j¨
3. A‡_©i eZ©gvb g~j¨ wbY©q cÖwµqv †KvbwU? K Zvij¨ I gybvdv bxwZ
K eÆvKiY L eZ©gvb g~j¨  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI :
L SzuwK I gybvdv bxwZ
M fwel¨r g~j¨ N Pµe„w×KiY M †cvU©‡dvwjI êwPÎ¨vq‡bi bxwZ
cvi‡fR Zvi GK eÜyi KvQ †_‡K wKQy
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : N Dchy³Zvi bxwZ
UvKv 5 eQ‡ii Rb¨ FY MÖnY Ki‡Z Pv‡”Q|
Rbve wmivR GKwU bZzb KviLvbv ¯’vc‡bi hvi kZ© wnmv‡e Zvi eÜy‡K GKKvjxb
13. miKvwi A_©vq‡bi Drm n‡”Q
wm×všÍ wb‡q‡Qb| wZwb g~j¨vqb K‡i †`‡L‡Qb i. †UªRvwi wej
1,00,000 UvKv A_ev cÖwZ eQi †k‡l
†h, KviLvbvwU ¯’vcb Ki‡j AvMvgx 5 eQ‡ii ii. AvqKi
26,000 UvKv cÖ`vb Ki‡Z ivwR Av‡Q|
g‡a¨ wewb‡qvMK…Z A_© †diZ Avm‡e| iii. Avg`vwb ïé eZ©gvb evRvi my‡ì nvi 15%|
4. Rbve wmivR †Kvb c×wZ eënvi K‡i wb‡Pi †KvbwU mwVK? 22. cvi‡fR cÖwZ eQi †k‡l †h UvKv cÖ`vb
wewb‡qvM wm×všÍ wb‡q‡Qb? K i I ii L i I iii M ii I iii N i, ii I iii K‡i †mUv †Kvb ai‡bi evwl©K e„wË?
K †c-e¨vK mgq L Mo gybvdvi nvi K wPi¯’vqx evwl©K e„wË L mvaviY evwl©K e„wË
14. eëmv‡qi g~j D‡Ïk¨
M wbU eZ©gvb g~j¨ N AvšÍtAvq nvi M AwMÖg evwl©K e„wË N wejw¤^Z evwl©K e„wË
i. gybvdv me©vwaKiY
5. DÏxc‡K Rbve wmiv‡Ri eën„Z c×wZi 23. cvi‡fR GKKvjxb 1,00,000 UvKv Zvi eÜy‡K
ii. cY¨ Drcv`b I wewµ e„w×
mxgve×Zv n‡jv iii. m¤ú` me©vwaKiY cÖ`vb Ki‡j Zvi fwel¨r g~j¨ KZ n‡e?
i. mKj bM` cÖevn we‡ePbv K‡i bv K 2,01,136 UvKv L 2,10,000 UvKv
ii. cÖv_wgK wewb‡qvM we‡ePbv K‡i bv M 2,20,000 UvKv N 2,30,000 UvKv
iii. A‡_©i mgqg~j¨ we‡ePbv K‡i bv
15. fwel¨r g~j¨ wba©vi‡Y cÖ‡qvRb nq 24. g~jab wbqš¿‡Yi Rb¨ †KvbwU cÖ‡qvRb?
wb‡Pi †KvbwU mwVK? K cÖKí wbe©vPb L AwaK wewb‡qvM
K i I ii L i I iii M ii I iii N i, ii I iii i. eQi msL¨v
ii. my‡ì nvi M g~jab ev‡RwUs N gybvdv eÈb
6. †KvbwU wegv‡hvM¨ SzuwK?
K dUKv SzuwK L gvbweK SzuwK iii. eZ©gvb g~j¨ 25. g~jab ev‡RwUs‡q Kx we‡ePbv Kiv nq?
M Avw_©K SzuwK N eëmvwqK SzuwK wb‡Pi †KvbwU mwVK? K PjwZ m¤ú` µq L ¯’vqx m¤ú` µq
K i I ii L i I iii M ii I iii N i, ii I iii M `vq N gRywi
7. A‡_©i mgq cQ‡›ì KviY n‡jv
i. AwbðqZv 16. miKvwi A_©vq‡bi g~j jÿ¨ Kx? 26. g~jab ev‡RwUs‡qi mgm¨v n‡jv
ii. †fvM AMÖvwaKvi K gybvdv me©vwaKiY L eëmvq m¤úÖmviY i. Pvwn`vi cwieZ©b
iii. wewb‡qvM my‡hvM M m¤ú` e„w×KiY N mvgvwRK Kj¨vY ii. Drcv`b e¨‡qi cwieZ©b
wb‡Pi †KvbwU mwVK? 17. A‡_©i mgqg~‡jï aviYvwU †Kvb †ÿ‡Î iii. g~jab e¨‡qi cwieZ©b
K i I ii L i I iii M ii I iii N i, ii I iii eën„Z nq? wb‡Pi †KvbwU mwVK?
8. Avw_©K cwiKíbvi ci A_©vq‡bi cÖ_g K Avw_©K wm×všÍ L wewb‡qvM wm×všÍ
KvR †KvbwU? M jf¨vsk wm×všÍ N cwiPvjb wm×všÍ
27. cÖKí g~j¨vq‡bi cÖvPxb c×wZ †KvbwU?
K Drm kbv³KiY L Znwej msMÖn  DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI : K PBP L NPV
M Znwej msiÿY N Znwej wewb‡qvM Rbve †iv‡gj cÙv e¨vs‡Ki GKwU wnmv‡e M PI N IRR
9. Av‡qi c~‡e© e¨‡qi cwiKíbv Kiv nq †Kvb 1,00,000 UvKv Rgv iv‡Lb| e¨vs‡Ki GB 28. wewfbœ cÖK‡í SzuwK wbiƒcY I wba©vi‡Y
A_©vq‡b? ¯‹x‡g 5 eQ‡i UvKv wØ¸Y nq| eënvi Kiv nq
K miKvwi A_©vqb L †emiKvwi A_©vqb 18. DÏxc‡K Rbve †iv‡g‡ji e¨vs‡K RgvK…Z K Drcv`b e¨q L g~jab
M e¨w³MZ A_©vqb N e¨wóK A_©vqb UvKv‡K †Kvb ai‡bi bM` cÖev‡ni AšÍf³ z© M gybvdv N AePq
10. we‡`wk Drm †_‡K FY MÖnY Kiv hvq Kiv nq?
29. g~j wewb‡qv‡Mi mv‡_ Aewkó g~j¨ †hvM
K miKvwi A_©vq‡b L e¨w³MZ A_©vq‡b K GKKvjxb bM` cÖevn
M eëmvq A_©vq‡b N Aeëmvq A_©vq‡b L wgkÖ bM` cÖevn
K‡i 2 Øviv fvM Ki‡j cvIqv hv‡e
M mvaviY evwl©K e„wË K †gvU wewb‡qvM L Mo wewb‡qvM
N AwMÖg evwl©K e„wË M †gvU g~jab N cÖK…Z wewb‡qvM
Rbve gvmyg gybvdv jv‡fi Avkvq eëmv‡q
g~jab wewb‡qvM K‡ib Ges wbw`©ó mgq 19. DÏxc‡K DwjøwLZ Rbve †iv‡g‡ji e¨vsK 30. †gvU gybvdv †_‡K Ki ev` w`‡j †KvbwU
†k‡l wZwb eo A‡¼i gybvdv cvb| wZwb wnmv‡ei G ¯‹x‡g my‡ì nvi KZ? cvIqv hvq?
cybivq †ewk gybvdvi cÖZ¨vkvq GKvwaK K 14.40% L 14.87% K mwÂwZ L AePq
cÖK‡í wewb‡qvM K‡ib| M 15.40% N 15.87% M bM`cÖevn N wbU gybvdv
1 K 2 M 3 K 4 K 5 L 6 N 7 N 8 L 9 K 10 K 11 M 12 M 13 N 14 L 15 N
16 N 17 L 18 K 19 K 20 L 21 N 22 L 23 K 24 K 25 L 26 N 27 K 28 M 29 L 30 N

1. A_©vq‡bi cÖavb KvR †KvbwU? 12. EAR-Gi c~Yi© ƒc Kx? 20. D³ cÖK‡íi wewb‡qvM cwi‡kvaKvj KZ eQi?
K Znwej eÈb L Znwej msMÖn K Evaluate Annual Return K2 L3
M Znwej msiÿY N Znwej eë¯’vcbv L Effective Annual Return M4 N5
M Efficient Actual Rate
2. SzuwK I gybvdvi g‡a¨ m¤úK© Kxiƒc? N Effective Annual Rate
21. D³ cÖK‡íi wbU eZ©gvb g~j¨ KZ UvKv?
K abvZ¥K L FYvZ¥K K 10,527 L 11,527
M mgvbycvwZK N AvbycvwZK M 12,527 N 13,527
Rbve ingvb GKwU e¨vs‡K 50,000 UvKv
3. Zvij¨ e„w× †c‡j ¯’vqx wnmv‡e Rgv iv‡Lb| e¨vs‡Ki G 22. IRR-Gi †ÿ‡Î wbU eZ©gvb g~j¨ Gi gvb
i. gybvdv n«vm cvq wnmv‡e 6 eQ‡i UvKv wØ¸Y nq| KZ n‡e?
ii. gybvdv e„w× cvq 13. e¨vs‡K RgvK…Z A_© †Kvb ai‡bi bM` cÖevn? K1 L1
iii. e¨q n«vm cvq K evwl©K e„wË L GKKvjxb M0 N0
wb‡Pi †KvbwU mwVK? M wgkÖ N AwMÖg 23. cÖKí g~j¨vq‡bi MÖnY‡hvM¨ gvb`Ð †KvbwU?
K i I ii L ii I iii 14. Rbve ingv‡bi ¯’vqx wnmv‡ei my‡ì nvi K PBP L ARR
M i I iii N i, ii I iii KZ? M NPV N IRR
4. †cvU©‡dvwjI wewb‡qv‡Mi D‡Ïk¨ Kx? K 12.25% L 12.09% 24. †UªRvwi wej †K Bmy¨ K‡i?
K SzuwK n«vm L gybvdv n«vm M 11.85% N 11.39% K †K›`ªxq e¨vsK L miKvi
M e¨q n«vm N Avq n«vm 15. A‡_©i mgqg~j¨ cQ‡›ì KviY n‡jv M evwYwR¨K e¨vsK N we‡klvwqZ e¨vsK
5. miKvwi A_©vq‡b me©v‡MÖ we‡ePbvi welq i. †fvM AwaKvi 25. CAPM-Gi c~Yi© ƒc n‡jv
†KvbwU? ii. wewb‡qvM my‡hvM bv _vKv K Capital Assets Pricing Model
K Avq L e¨q iii. AwbðqZv L Character Assets Pricing Model
M Capital Actual Product Model
M mÂq N wewb‡qvM wb‡Pi †KvbwU mwVK?
N Conceptual Actual Promotion Model
6. eëmv‡qi Rxebxkw³ †KvbwU? K i I ii L ii I iii
26. SzuwK n‡jv
K cwiPvjK L kÖwgK M i I iii N i, ii I iii
i. cwigvc‡hvM¨
M eë¯’vcK N cyuwR 16. `xN©‡gqvw` g~jab wewb‡qvM wm×všÍ‡K Kx e‡j?
ii. AwbðqZv n‡Z m„ó
7. wb‡Pi †KvbwU A‡_©i mgqg~j¨ we‡ePbv K‡i? K g~jab e¨q L g~jab ev‡RwUs
iii. cwinvi‡hvM¨
K g~j¨ m‡e©v”PKiY L gybvdv m‡e©v”PKiY M g~jab †ikwbs N g~jab KvVv‡gv
17. g~jab ev‡RwUs‡qi cÖ_g avc †KvbwU? wb‡Pi †KvbwU mwVK?
M m¤ú` m‡e©v”PKiY N g~jab m‡e©v”PKiY
K cÖKí wbe©vPb L cÖKí g~j¨vqb K i I ii L ii I iii
8. A_©vqb Kvh©vewji AšÍf³z© n‡jv
M cÖKí ev¯Íevqb N cÖKí cÖYqb M i I iii N i, ii I iii
i. AvmevecÎ µq
18. A‡_©i mgqg~j¨ we‡ePbv Kiv nq †Kvb 27. Sz w
u Kgy³ wmwKDwiwU †KvbwU?
ii. †kqvi Bmy¨
c×wZ‡Z? K mvaviY †kqvi L AMÖvwaKvi †kqvi
iii. jf¨vsk cÖ`vb
i. AvšÍtAvq nvi M †UªRvwi eÛ N K‡c©v‡iU eÛ
ii. wbU eZ©gvb g~j¨ 28. SzuwK cwigv‡ci DrK…ó c×wZ †KvbwU?
K i I ii L i I iii
iii. Mo Av‡qi nvi K †f`v¼ L Av`k© wePz¨wZ
M ii I iii N i, ii I iii
wb‡Pi †KvbwU mwVK? M Mo N we‡f`v¼
9. A‡_©i fwel¨r g~j¨ wbY©q Kivi †KŠkj‡K
K i I ii L i I iii  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
Kx e‡j?
M ii I iii N i, ii I iii Avmv` wj.-Gi SzuwKgy³ Av‡qi nvi 8%,
K Pµe„w×KiY L evÆvKiY
19. wb‡Pi †Kvb c×wZ‡Z g~jab †di‡Zi gv‡K©U †cvU©‡dvwjI Av‡qi nvi 12% Ges
M FY cwi‡kvaKiY N FY Av`vqKiY
mgqKvj we‡ewPZ nq?
10. cÖwZeQi mgcwigvY UvKv MÖnY ev cÖ`vb weUv-mnM 1.5|
K IRR L NPV
Kiv n‡j Zv‡K Kx e‡j? M ARR N PBP 29. Avmv` wj.-Gi SzuwK wcÖwgqvg KZ?
K eZ©gvb g~j¨ L fwel¨r g~j¨ K 3% L 4%
M evwl©K e„wË N wgkÖ bM` cÖevn GKwU cÖK‡í 2,00,000 UvKv wewb‡qvM M 5% N 6%
11. †Kvb Pµe„w×‡Z fwel¨r g~j¨ me©vwaK n‡e? K‡i AvMvgx 6 eQ‡i cÖwZeQi 50,000 30. Avmv` wj.-Gi cÖ Z ¨vwkZ Av‡qi nvi KZ?
K gvwmK L ˆÎgvwmK UvKv K‡i cvIqv hv‡e| my‡hvM e¨‡qi nvi K 14% L 15%
M lvš§vwmK N evwl©K 11%| M 16% N 17%
1 L 2 K 3 M 4 K 5 L 6 N 7 M 8 M 9 K 10 M 11 K 12 N 13 L 14 M 15 M
16 L 17 N 18 K 19 N 20 M 21 L 22 N 23 M 24 L 25 K 26 N 27 M 28 N 29 N 30 K

 DÏxcKwU c‡o 1 I 2bs cÖ‡kœi DËi `vI : 10. A‡_©i mgqg~j¨ wba©viY ewnf‚©Z †KvbwU? 20. cÖKíwUi PBP KZ?
weeiY wmwKDwiwU X wmwKDwiwU Y K mgq L my‡ì nvi K 3 eQi L 3.25 eQi
cÖZ¨vwkZ Avq 10% 15% M A‡_©i cwigvY N weµ‡qi cwigvY M 4 eQi N 4.25 eQi
cwiwgZ eëavb 15% 25% 11. GKwU dv‡g©i g~j jÿ¨ Kx? 21. FY cwi‡kva m~wP‡Z Kx cÖ`k©b Kiv nq?
K gybvdv me©vwaKiY L m¤ú` me©vwaKiY i. my‡ì cwigvY
we‡f`v¼ 150% ?
M weµq me©vwaKiY N µq me©vwaKiY ii. wKw¯Íi cwigvY
1. wmwKDwiwU Y Gi we‡f`v¼ †KvbwU? 12. SzuwK I gybvdvi g‡a¨ m¤úK© Kxiƒc? iii. Avm‡ji cwigvY
K 100% L 150% K wecixZ L mij‰iwLK wb‡Pi †KvbwU mwVK?
M 167% N 170% M mgvbycvwZK N AvbycvwZK K i I ii L i I iii M ii I iii N i, ii I iii
2. wmwKDwiwU Y n‡jv 13. A_©vq‡bi Kvh©vewj n‡”Q 22. g~jab ev‡RwUs‡qi †Kvb †KŠkjwU A‡_©i
i. AwaK SzuwKc~Y© i. Znwej eÈb mgqg~j¨ we‡ePbv K‡i bv?
ii. Kg SzuwKc~Y© ii. Znwej msMÖn K †c-e¨vK mgq
iii. AwaK Avqhy³ iii. g~jab ev‡RwUs wm×všÍ L wbU eZ©gvb g~j¨
wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK? M Af¨šÍixY Av‡qi nvi
N gybvdv AR©b m~PK
3. g~jab ev‡RwUs‡qi avcmg~n n‡jv 14. miKvwi A_©vq‡bi g~j jÿ¨ Kx?
K mvgvwRK Kj¨vY L gybvdv AR©b
23. A‡_©i mgq cQ›`bxqZvi KviY n‡jv
i. cÖKí D™¢veb i. †fvM
M eëmv‡qi mvdj¨
ii. cÖKí g~j¨vqb ii. AwbðqZv
N m¤ú‡ì mwVK eënvi
iii. g~jab wbqš¿Y iii. evRvi g~jab
wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
wg. Avjx †gNbv e¨vsK wj.-Gi GKwU
¯‹x‡g 2,00,000 UvKv Rgv iv‡Lb| †gNbv
4. A‡_©i eZ©gvb g~j¨ wbY©q Kivi cÖwµqv‡K e¨vsK GB ¯‹x‡g 5 eQ‡i 10% nv‡i 24. evRvi SzuwKi gvb 1.50, SzuwKgy³ Av‡qi nvi
Kx e‡j? Pµe„w× my` cÖ`vb K‡i| 6% Ges evRvi Av‡qi nvi 12% n‡j †Kvb
K Pµe„w×KiY L fwel¨r g~j¨ 15. wg. Avjxi e¨vs‡K RgvK…Z UvKv‡K †Kvb wmwKDwiwUi cÖZ¨vwkZ Av‡qi nvi KZ?
M evÆvKiY N eZ©gvb g~j¨ ai‡bi bM` cÖev‡ni AšÍfz©³ Kiv nq? K 9% L 12%
5. wewb‡qvMK…Z A‡_©i eZ©gvb g~j¨ I fwel¨r K mvaviY evwl©K e„wË M 15% N 27%
g~j¨ KLb mgvb n‡e? L AwMÖg evwl©K e„wË 25. †cvU©‡dvwjI MV‡bi g~j D‡Ïk¨ Kx?
K †gqv`Kvj k~b¨ n‡j M GKKvjxb bM` cÖevn K SzuwK eÈb L gybvdv n«vm
L †gqv`Kvj 1 eQi n‡j N wgkÖ bM` cÖevn M g~jab e„w× N wewb‡qvM e„w×
M my‡ì nvi 1% n‡j 16. wg. Avjx 5 eQi †k‡l KZ UvKv cv‡eb? 26. g~jab ev‡RwUs‡qi mxgve×Zv n‡jv
N evwl©K Pµe„w×i msL¨v 1 n‡j K 3,00,000 UvKv L 3,02,102 UvKv i. AwbðqZv
6. †h evÆvi nv‡i evÆvKiY Ki‡j †Kv‡bv cÖK‡íi M 3,20,000 UvKv N 3,22,102 UvKv ii. g~jab e¨q cwieZ©b
bM` AšÍtcÖevn I bM` ewntcÖev‡ni eZ©gvb 17. wewb‡qvM cwi‡kvaKvj (PBP) wbY©‡qi m~Î n‡jv iii. Avw_©K weeiYx
g~j¨ ci¯úi mgvb nq Zv‡K Kx e‡j? K PBP =
NCO
L PBP =
NCB wb‡Pi †KvbwU mwVK?
NCB NCO K i I ii L i I iii M ii I iii N i, ii I iii
K Mo Av‡qi nvi M PBP = NCO  NCB N PBP = NCB  NCO
L Af¨šÍixY Av‡qi nvi 27. evRvi SzuwKi Av`k© gvb KZ?
18. SzuwK n‡jv
M wewb‡qv‡Mi Dci Av‡qi nvi K0 L 0.10
i. cwigvc‡hvM¨
N KicieZ©x Av‡qi nvi M 1.0 N 1.5
ii. Drcv`b
iii. cwinvi‡hvM¨
28. A_©‰bwZK g›`vi Kvi‡Y †h SzuwK m„wó nq
7. Zvij¨ e„w× †c‡j
wb‡Pi †KvbwU mwVK? Zv‡K Kx e‡j?
K SzuwK ev‡o L `vq ev‡o
K Avw_©K SzuwK L Zvij¨ SzuwK
M gybvdv K‡g N gybvdv ev‡o K i I ii L i I iii M ii I iii N i, ii I iii
M eëmvq SzuwK N evRvi SzuwK
8. CAPM-Gi c~Yi © ƒc Kx?  DÏxcKwU c‡o 19 I 20bs cÖ‡kœi DËi `vI :
29. eZ©gv‡b evwl©K 8% my‡ì nv‡i 10 jÿ UvKv
K Capital Asset Pricing Model wg. Avjxg GKwU cÖK‡í wewb‡qvM Ki‡Z
L Capital Asset Product Method e¨vs‡K Rgv ivL‡j KZ eQ‡i Zv wØ¸Y n‡e?
Pvb hvi cwigvY 1,00,000 UvKv| D³
M Capital Asset Product Model K 8 eQi L 9 eQi
wewb‡qvM †_‡K AvMvgx 5 eQi hver evwl©K
N Capital Asset Pricing Method M 10 eQi N 12 eQi
bM`vb cÖevn cvIqv hv‡e h_vµ‡g :
9. g~jab ev‡RwUs‡qi †Kvb †KŠk‡j evÆvi 20,000 UvKv, 30,000 UvKv, 40,000 30. SzuwK cwigv‡ci c×wZ n‡jv
nvi c~e©wba©vwiZ _v‡K? UvKv, 40,000 UvKv Ges 25,000 UvKv| i. Av`k© wePz¨wZ
K †c-e¨vK wcwiqW/wewb‡qv‡Mi cwi‡kvaKvj 19. Z…Zxq eQ‡i cÖKíwUi µg‡hvwRZ bM`vb ii. m¤¢vebv web¨vm
L Mo gybvdvi nvi cÖevn KZ? iii. we‡f`v¼
M Af¨šÍixY Av‡qi nvi K 40,000 UvKv L 80,000 UvKv wb‡Pi †KvbwU mwVK?
N wbU eZ©gvb g~j¨ M 90,000 UvKv N 93,000 UvKv K i I ii L i I iii M ii I iii N i, ii I iii
1 M 2 L 3 K 4 M 5 K 6 L 7 M 8 K 9 N 10 N 11 L 12 L 13 N 14 K 15 M
16 N 17 K 18 L 19 M 20 L 21 N 22 K 23 K 24 M 25 K 26 K 27 M 28 N 29 L 30 N
kxl©¯’vbxq K‡j‡Ri †U÷ cixÿvi cÖkœcÎ : m„Rbkxj

37 AvBwWqvj ¯‹zj A¨vÛ K‡jR, gwZwSj, XvKv welq †KvW : 2 9 2
1  DÏxcKwU co, GKRb Avw_©K eë¯’vcK †h mKj wm×všÍmg~n wb‡q _v‡K Zv eQi cÖKí-K (UvKv) cÖKí-L (UvKv)
wP‡Î Dc¯’vcb Kiv n‡jv| 1 30,000 20,000
Avw_©K eë¯’vc‡Ki wm×všÍ 2 20,000 20,000
3 20,000 20,000
4 10,000 20,000
wewb‡qvM wm×všÍ A_©ms¯’vb wm×všÍ ÒKÓ wm×všÍ K. AvšÍtAvq nvi Kx? 1
L. †Kb g~jab ev‡RwUs Kiv nq? 2
PjwZ g~jab eë¯’vcbv M. DÏxc‡K DwjøwLZ 2wU cÖK‡íi †c-e¨vK mgq wbY©q Ki| 3
g~jab ev‡RwUs wm×všÍ N. cÖKí `ywUi NPV wbY©q K‡i G‡·j wj. †K cÖK‡íi MÖnY‡hvM¨Zvi
K. 90 `k‡K A_©vq‡b †bv‡ej cyi¯‹vi weRqxi bvg †jL| 1 e¨vcv‡i civgk© `vI| 4
L. cÖKí we‡ePbvq SzuwK I gybvdv bxwZi cÖfve Kx? e¨vL¨v Ki| 2 8 wb‡¤œi wP‡Î wmwKDwiwU A I B Gi Av‡qi m¤¢vebv †`Lv‡bv n‡jv :
M. DÏxc‡K ÔKÕ †Z †Kvb wm×v‡šÍi K_v ejv n‡q‡Q? e¨vL¨v Ki| 3 m¤¢vebv NbZ¡
N. Òg~jab ev‡RwUs cÖwµqv wewb‡qvM wm×všÍ‡K mnvqZv K‡iÓ †hŠw³KZv we‡kølY Ki| 4
2 Rbve Lv‡jK Aemi fvZv eve` 5,00,000 UvKv †c‡jb| D³ UvKv wZwb
5 eQ‡ii Rb¨ ÔwPÎv e¨vsK wjwg‡UWÕ Rgv ivL‡j e¨vsKwU Zv‡K 7,80,000
UvKv †Ìqvi cÖ¯Íve K‡i| Ab¨w`‡K Ôw`MšÍ e¨vsK wjwg‡UWÕ 8 eQ‡ii Rb¨
Rgv ivL‡j e¨vsKwU Zv‡K 9,00,000 UvKv †Ìqvi cÖ¯Íve K‡i|
K. cviwcPzBwU e„wË Kx? 1
L. wewa 72 KLb cÖ‡hvR¨ n‡e? e¨vL¨v Ki| 2
M. DÏxc‡Ki Av‡jv‡K wPÎv e¨vsK wjwg‡U‡Wi my‡ì nvi KZ? 3 
X Øviv wmwKDwiwU A Ges B Mo Avq cÖ`k©b Kiv n‡jv|
N. Rbve Lv‡jK †Kvb e¨vs‡K UvKv Rgv ivL‡j jvfevb n‡eb? †Zvgvi gZvgZ `vI| 4 K. eëmvwqK SzuwK Kx? 1
3 Rbve Kwig Zvi A_© e‡Û wewb‡qvM Ki‡Z PvB‡Qb| wZwb eÛ evRvi L. m¤ú‡ì Av‡qi nv‡ii g‡a¨ mn m¤^Ü †Kb ¸iæZ¡c~Y©? 2
AbymÜvb K‡i 2wU eÛ wbe©vPb K‡ib| Dfq e‡Ûi AwfwnZ g~j¨ 1,000 M. DÏxc‡K DwjøwLZ wPÎwU e¨vL¨v Ki| 3
UvKv| cÖZ¨vwkZ Av‡qi nvi 10%| eÛ `ywUi Z_¨ wb‡P †Ìqv n‡jv N. DÏxc‡Ki †Kvb wmwKDwiwU‡Z GKRb wewb‡qvMKvixi wewb‡qvM Kiv
eÛ Kzcb my‡ì nvi evRvig~j¨ †gqv` cwicK¡ g~j¨ DwPZ Zv we‡kølY Ki| 4
K 15% 1,200 UvKv  1,000 UvKv 9  Rbve ZvwiL X cÖKí ev Y cÖK‡í wewb‡qv‡Mi K_v fve‡Qb| cÖKí 2wUi Z_¨ wb¤œiƒc :
L 800 UvKv 8 eQi 1,100 UvKv A_©‰bwZK m¤¢vebvi Av‡qi nvi
K. eÛ B‡ÛbPvi Kv‡K e‡j? 1 Ae¯’v gvÎv cÖKí-X cÖKí-Y
L. e‡Ûi Bmy¨Kvix KZ…©cÿ Kviv n‡Z cv‡i?  e¨vL¨v Ki| 2 fv‡jv 0.30 18% 22%
M. ÔKÕ e‡Ûi PjwZ Av‡qi nvi wbY©q Ki| 3 ¯^vfvweK 0.50 14% 17%
N. e‡Ûi eZ©gvb g~j¨ we‡ePbvq Rbve Kwi‡gi †Kvb e‡Û wewb‡qvM Kiv g›`v 0.20 10% 9%
DËg? we‡kølY Ki| 4 K. †gvU gybvdv nvi wbY©‡qi mgxKiYwU wjL| 1
4 wb‡P `ywU †Kv¤úvwbi Z_¨ †Ìqv n‡jv L. we‡f`v¼ m¤ú‡K© aviYv `vI| 2
M. cÖKí X Gi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
†Kv¤úvwb †kqvicÖwZ Avq †kqvicÖwZ evRvig~j¨ N. Rbve Zvwi‡Li †Kvb cÖKí‡Z wewb‡qvM Kiv AwaK hyw³hy³? gZvgZ we‡kølY Ki| 4
1g eQi 2q eQi 3q eQi 1g eQi 2q eQi 3q eQi 10  wg. cv‡Û P and P †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb †Kv¤úvwb m¤úÖmvi‡Yi
A 25 30 40 200 200 190 Rb¨ wewfbœ Drm †_‡K g~jab msMÖ‡ni my‡hvM i‡q‡Q| wKšÍy wZwb Ggb Drm
B 30 30 30 250 270 300 †_‡K g~jab msMÖn Ki‡Z Pvb †hLv‡b g~jab cwi‡kv‡ai mxgv‡iLvi g‡a¨
K. A_©vqb Kx? 1 †Kv‡bv evaëvaKZv Kg| cÿvšÍ‡i, q and q †Kv¤úvwbi Avw_©K eë¯’vcK wg.
L. Òïay †kqv‡ii g~j¨ e„w×i gva¨‡g GKwU dv‡g©i m¤ú` me©vwaKiY wKewiqv e¨vsK FY wb‡q †Kv¤úvwb m¤úÖmvi‡Yi wm×všÍ †bb| q and q
Kiv hvqÓ Zzwg wK GKgZ? e¨vL¨v Ki| 2 †Kv¤úvwb h_vmg‡q FY cwi‡kv‡a e¨_© nIqvq FY †Ljvwci ZvwjKvfz³ nb|
M. †Kv¤úvwb 'A' A_©vq‡bi †Kvb jÿ¨wU AR©b K‡i‡Q? e¨vL¨v Ki| 3 K. cyU eÛ Kx? 1
N. m¤ú` me©vwaKi‡Yi jÿ¨ we‡ePbvq †Kvb †Kv¤úvwb‡Z wewb‡qvM Kiv L. Bì Uz Kj (YTC) ej‡Z Kx †evSvq? 2
DËg? we‡kølY Ki| 4 M. DÏxc‡K P and P †Kv¤úvwbi g~jab msMÖ‡ni †Kvb Dr‡mi K_v ejv
5 n¨v‡fb wjwg‡UW GKwU bZzb hš¿ †Kbvi wm×všÍ wb‡q‡Q| G hš¿wU µq Kivi n‡q‡Q? e¨vL¨v Ki| 3
Rb¨ 3,00,000 UvKvi cÖ‡qvRb| †Kv¤úvwbi evwYwR¨K e¨vsK †_‡K 12% N. DÏxc‡Ki `ywU †Kv¤úvwbi g~jab msMÖ‡ni Dr‡mi Zzjbvg~jK wPÎ we‡kølY Ki| 4
my‡ì nv‡i FY wb‡q hš¿wU †Kbvi wPšÍvfvebv Ki‡Q| 5 eQi hver cÖwZ 11  B÷vb© dvg©v wj. Gi Avw_©K eë¯’vcK wewb‡qv‡Mi D‡Ï‡k¨ wb‡¤œv³ `ywU
eQ‡ii ïiæ‡Z 5wU mgvb wKw¯Í‡Z FYwU cwi‡kva Ki‡Z n‡e| cÖKí we‡ePbv K‡i‡Qb|
K. Kvh©Kix my‡ì nvi Kv‡K e‡j? 1 weeiY cÖKí-A cÖKí-B
L. KLb eZ©gvb g~j¨ I fwel¨r g~j¨ mgvb nq? e¨vL¨v Ki| 2 cÖviw¤¢K wewb‡qvM 1,50,000 UvKv 1,50,000 UvKv
M. DÏxc‡Ki F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3 eQi KicieZ©x gybvdv KicieZ©x gybvdv
N. ÒFY cwi‡kva ZvwjKvq cwi‡kvwaZ Avm‡ji cwigvY cÖwZeQi e„w× cvqÓ n¨v‡fb 1g 15,000 25,000
wjwg‡U‡Wi FY cwi‡kva ZvwjKv cÖ¯ÍyZc~e©K Dw³wUi h_v_©Zv g~j¨vqb Ki| 4 2q 15,000 16,000
6 wg. Wb GKRb †Zj Avg`vwbKviK| ê‡`wkK evRv‡i †Z‡ji g~j¨ 3q 15,000 17,000
A¯^vfvweKfv‡e e„w× cvIqvq 2021 mv‡j wZwb Kvw•ÿZ gybvdv AR©b Ki‡Z 4_© 15,000 8,000
e¨_© nb| wg. Wb Zvi g~ja‡bi AvswkK FY †bIqvq mgqg‡Zv e¨vsK †jvb †c-e¨vK mgq 2.86 eQi 
cwi‡kva Ki‡Z cvi‡Qb bv| djkÖæwZ‡Z wZwb e¨vcK ÿwZi m¤§yLxb nb| †Kv¤úvwbi Avw_©K eë¯’vcK Dfq cÖK‡íi evwl©K AePq wba©viY K‡ib
K. CAPM Method Gi m~ÎwU wjL| 1 37,500 UvKv| wZwb `ªæZZg mg‡q g~jab †diZ cvIqvi welqwU we‡ePbv
L. †URvwi eÛ SzuwKgy³ †Kb? e¨vL¨v Ki| 2 K‡i cÖKí B wbe©vPb K‡ib|
M. wg. Wb cÖ_g ch©v‡q †Kvb ai‡bi SzuwKi m¤§yLxb nb e¨vL¨v Ki| 3 L. ci¯úi eR©bkxj cÖK‡íi †ÿ‡Î Kxfv‡e wewb‡qvM wm×všÍ MÖnY Kiv
N. DÏxc‡K †h mKj SzuwKi K_v ejv n‡q‡Q cwinvi‡hvM¨Zv wePv‡i Zvi g~j¨vqb Ki| 4 nq? e¨vL¨v Ki| 2
7 G‡·j wj. Gi 2wU wewb‡qvM cÖ¯Íve Av‡Q| cÖwZwU cÖK‡íi cÖv_wgK wewb‡qvM M. DÏxc‡K DwjøwLZ cÖKí A I B Gi Mo gybvdvi nvi wbY©q Ki| 3
n‡e 50,000 UvKv| cÖwZôvbwUi my‡hvM e¨q n‡jv 10% cÖKí `ywUi evwl©K N. DÏxc‡K DwjøwLZ Avw_©K eë¯’vcK †h wewb‡qvM wm×všÍ wb‡q‡Qb
bM` AvšÍtcÖevn wb‡P †Ìqv n‡jv Zvi †hŠw³KZv g~j¨vqb Ki| 4
38 mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi welq †KvW : 2 9 2

1  UªvÝKg †efv‡iR GKwU bvgKiv cÖwZôvb| cÖwZôv‡bi Avw_©K eë¯’vcK 4 2,80,000
Rbve kv‡n`yi ingvb eëmv m¤úÖmvi‡Yi Rb¨ 3wU wewb‡qvM †ÿÎ wPwýZ 5 2,30,000
K‡i‡Qb| G¸‡jv n‡jv (K) Rym (L) wPcm (M) PvbvPzi| cÖ‡Z¨K cÖK‡íi K. fvi Kx? 1
wewb‡qv‡Mi Rb¨ 7,00,00,000 UvKv jvM‡e Ges cÖ‡Z¨KwU cÖKíB L. wbgw¾Z Znwej †Kb cÖ‡qvRb? e¨vL¨v Ki| 2
jvfRbK| Rbve kv‡n`yi ingv‡bi eÜy Rbve ev‡Zb civgk© w`‡jb jvqb M. DÏxc‡K ewY©Z †gwkbwUi Mo DcvR©b nvi KZ? 3
wegv †Kv¤úvwb †_‡K 4,00,00,000 UvKv Ges mvaviY †kqvi wewµ K‡i N. evÆvK…Z bM` cÖevn c×wZi gva¨‡g †gwkbwU µ‡qi wel‡q
3,00,00,000 UvKvq eë¯’v Kiv| AwaK jvfRbK nIqvq Rbve kv‡n`yi †Kv¤úvwbi wm×všÍ Kx nIqv DwPZ? we‡kølY Ki| 4
ingvb 7,00,00,000 UvKv Rym I wPcm cÖK‡í wewb‡qv‡Mi cÖ¯Íve cÖwZôvb 7 wKewiqv mv‡ne m¤úÖwZ PvKwi †_‡K Aem‡i †M‡Qb| wZwb †cbkb n‡Z cÖvß
cÖavb wbe©vnx Kg©KZ©vi wbKU Dc¯’vcb K‡ib| cÖavb wbe©vnx Kg©KZ©v cÖ¯ÍvewU UvKvi wKQy Ask cyuwRevRv‡i wewb‡qvM Ki‡Z AvMÖnx| ZvB wZwb wb‡Pi
cÖZ¨vL¨vb K‡ib Ges GKvwaK cÖK‡í wewb‡qvM Ki‡Z mycvwik K‡ib| †Kv¤úvwbmg~‡ni eÛ wb‡q wePvi-we‡kølY K‡i‡Qb|
K. PjwZ LiP Kx? 1 weeiY ÔKÕ †Kv¤úvwb ÔLÕ †Kv¤úvwb
L. cÖwZôv‡bi GKK SzuwK n«vm Ki‡Z Kx Kiv nq? e¨vL¨v Ki| 2 wjwLZ g~j¨ 1,000 UvKv 2,000 UvKv
M. DÏxc‡Ki Rbve ev‡Z‡bi civgk© A_©vq‡bi †Kvb Kvh©vewji mv‡_ Kzcb my‡ì nvi 10% 
m¤ú„³? e¨vL¨v Ki| 3 cÖZ¨vwkZ Av‡qi nvi 8% 10%
N. A_©vq‡bi †Kvb bxwZi Av‡jv‡K cÖavb wbe©vnx Kg©KZ©vi wm×všÍ‡K evRvig~j¨ 1,100 1,800
†hŠw³K ejv hvq? e¨vL¨v Ki| 4 †gqv`Kvj 5 eQi 5 eQi
2  Rbve AvivdvZ GKRb cvBKvwi eëmvqx| Zvi A`~i`wk©Zvi Kvi‡Y
†Kv¤úvwb‡Z KL‡bv KuvPvgvj µ‡qi A_© _vKZ bv, Avevi KL‡bv cY¨ ÔMÕ †Kv¤úvwbi cÖwZwU eÛ 1,000 UvKv wjwLZ g~‡j¨ 8 eQi †gqvw` Bmy¨
†MvWvD‡b i‡q †hZ| GRb¨ wZwb eëmv‡qi A_©eë¯’v wKQyUv cwieZ©b K‡i| Kzcb nvi 12%| evRvig~j¨ 950 UvKv| †gqv` †k‡l 5% Awanv‡i
K‡ib| GLb wZwb Avkvbyiƒc gybvdv cv‡”Qb| wZwb eëmvq m¤úÖmvi‡Yi g~j¨ cwi‡kva Kiv n‡e|
cvkvcvwk m¤úÌ e„w× Ki‡Z †c‡i‡Qb| K. Kzcb eÛ Kx? 1
K. Kj wcÖwgqvg Kx? 1 L. YTC ej‡Z Kx †evS? e¨vL¨v Ki| 2
L. gybvdv me©vwaKiY Kx? e¨vL¨v Ki| 2 M. ÔMÕ †Kv¤úvwbi †gqv`c~wZ©‡Z Av‡qi nvi wbY©q Ki| 3
M. Rbve AvivdvZ †Kvb bxwZ AbymiY Kivq Avkvbyiƒc dj cv‡”Qb? e¨vL¨v Ki| 3 N. ÔKÕ I ÔLÕ †Kv¤úvwbi g‡a¨ †KvbwU‡Z wewb‡qvM Kiv hyw³hy³ e‡j
N. Rbve AvivdvZ eëmv‡qi g~j jÿ¨ AR©b Ki‡Z †c‡i‡Qb wK? hyw³ †`LvI| 4 g‡b Ki? we‡kølY Ki| 4
3  mvwKe HSC cixÿvq fv‡jv dj K‡i‡Q| Zvi gv Zv‡K 1,00,000 UvKv 8 cÖ_g Av‡jvi cÖKvwkZ weeiYcÎ c‡o bvCg MÖvgxY †dvb †Kv¤úvwbi 120 UvKv
cyiæ¯‹vi wn‡m‡e †Ìqvi wm×všÍ †bq| Zvi gv Zv‡K GB A_© MÖnY Kivq 2wU `‡ii 2000 †kqvi µq K‡ib| Z‡e †m Zvi Kv‡Q _vKv wKQy cyivZb †kqvi wewµ
K‡i w`‡jb| bvC‡gi eÜy bvw`qv evRv‡ii mKj wbqgvewj cvjb K‡i bvC‡gi
cÖ¯Íve †`q| cÖ¯Íve `ywU wb¤œiƒc : wewµ Kiv †kqvi¸‡jv µq K‡ib| wKšÍy nVvr K‡i evRv‡i wek„•Ljv Ae¯’v ˆZwi
weKí-1 : †m 5 eQi hveZ cÖwZ eQ‡ii ïiæ‡Z h_vµ‡g 10,000 UvKv, nq Ges †kqvievRv‡i e¨vcK am bvg‡j bvw`qv Pig `ywðšÍvq c‡o hvb|
15,000 UvKv, 20,000 UvKv, 25,000 UvKv Ges 30,000 UvKv cv‡e|
K. OTC evRvi Kv‡K e‡j? 1
cÖ¯Íve-2 : †m 5 eQi hveZ cÖwZ eQi †k‡l 20,000 UvKv K‡i cv‡e|
L. gy`ªvevRvi ej‡Z Kx †evSvq? e¨vL¨v Ki| 2
my‡hvM e¨q 11%|
M. bvw`qv †Kvb ai‡bi evRvi †_‡K †kqvi µq K‡i‡Qb? e¨vL¨v Ki| 3
K. cyU eÛ Kx? 1
L. GKwU cÖK‡íi AvšÍtAvq nvi 25% n‡j wbU eZ©gvb g~j¨ KZ n‡e? N. bvw`qvi AwbwðqZv `~ixKi‡Y wbqš¿YKvix ms¯’vi KiYxq we‡kølY Ki| 4
e¨vL¨v Ki| 2 9 Rbve ivqnvb GKwU cÖwZôv‡bi Avw_©K eë¯’vcK| wZwb wewb‡qv‡Mi Rb¨
M. cÖ¯Íve-1 Gi fwel¨r g~j¨ wbY©q Ki| 3 wb‡¤œi `ywU cÖKí n‡Z DËg cÖKíwU evQvB Ki‡Z Pvb| cÖKí `ywUi Av‡qi
N. †Kvb cÖ¯ÍvewU mvwK‡ei MÖnY Kiv DwPZ? eZ©gvb g~j¨ we‡ePbv K‡i nvi I m¤¢vebv wb¤œiƒc :
†Zvgvi gZvgZ `vI| 4 A_©‰bwZK Ae¯’v m¤¢vebv Av‡qi nvi
4  wg. Rvwn` GKwU e¨vsK †_‡K 1,50,000 UvKv FY MÖnY K‡i‡Qb| Zv‡K X Y
evwl©K mgvb PviwU wKw¯Í‡Z H A_© my`mn cwi‡kva Ki‡Z n‡e| my‡ì nvi g›`ve¯’v 25% 10% 9%
8%| D‡jøL¨ †h, cÖ_g wKw¯Í FY MÖn‡Yi Zvwi‡LB cwi‡kva Ki‡Z n‡e| ¯^vfvweK 50% 14% 13%
K. mij my` Kx? 1 †ZRxfve 25% 16% 18.80%
L. KLb bvwgK my` nvi Ges Kvh©Ki my` nvi mgvb nq? e¨vL¨v Ki| 2 K. SzuwK Kx? 1
M. F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3 L. †cvU©‡dvwjI SzuwKi Ici mnm¤^‡Üi cÖfve e¨vL¨v Ki| 2
N. cÖwZ wKw¯Í‡Z Avmj I my‡ì cwigvY †`LvI| 4 M. X cÖK‡íi cwiwgZ eëavb wbY©q Ki| 3
5  DËiv †Kv¤úvwbi wbKU 2wU ci¯úi iÿYkxj cÖKí i‡q‡Q| cÖwZwU cÖK‡íi N. SzuwK we‡ePbv K‡i †Kvb cÖKíwU MÖnY‡hvM¨? MvwYwZKfv‡e e¨vL¨v Ki| 4
cÖv_wgK wewb‡qvM 50,000 UvKv| my‡hvM e¨q 10%| cÖKí `ywUi bM` 10  Rbve knx` GKRb PvKwiRxex| wZwb †kqvievRv‡i wewb‡qvM Ki‡Z Pvb|
AvšÍtcÖevn wb‡P †Ìqv n‡jv : wZwb 20,00,000 UvKv wb‡Pi †h‡Kv‡bv `ywU wmwKDwiwU‡Z mgvbfv‡e
eQi cÖKí-K cÖKí-L wewb‡qvM Ki‡Z B”QzK :
1 30,000 25,000 wmwKDwiwU cÖZ¨vwkZ Avq Av`k© wePz¨wZ mnm¤^Ü
2 25,000 25,000 A 23% 8% rAB = 0.6
3 20,000 25,000 B 26% 9% rAC = 0.5
4 10,000 25,000 C 19% 6% rBC = 1
K. SzuwK wcÖwgqvg Kx? 1 K. we‡f`v¼ Kx? 1
L. wewa 72 Kx? e¨vL¨v Ki| 2 L. CAPM g‡Wj e¨vL¨v Ki| 2
M. cÖKí K Ges L-Gi †c-e¨vK mgq wbY©q Ki| 3 M. Rbve knx` wZbwU wmwKDwiwU‡Z mgvbfv‡e wewb‡qvM Ki‡j
N. evÆvK…Z bM` cÖevn c×wZi Av‡qi nvi wbY©‡qi gva¨‡g ÔKÕ cÖK‡íi †cvU©‡dvwjI Av‡qi nvi KZ n‡e? 3
wewb‡qvM wm×všÍ g~j¨vqb Ki| 4 N. Rbve knx‡ì Rb¨ me‡P‡q Kg SzuwKc~Y© †cvU©‡dvwjI †KvbwU?
6  iƒcmv †Kv¤úvwb 7,00,000 UvKv g~‡jï GKwU bZzb †gwkb µ‡qi welq hyw³mn DËi `vI| 4
we‡ePbv Ki‡Q| †Kv¤úvwbi g~jab e¨q 10% Ges K‡c©v‡iU K‡ii nvi 11  Rbve dLiæwÏb †mvbvwj e¨vsK †_‡K evwl©K 12% nvi my‡` 5,00,000 UvKv
40%, †gwkbwU eënv‡ii gva¨‡g AviI 5 eQi wb¤œwjwLZ nv‡i Kic~e©eZ©x FY MÖnY K‡ib| AvMvgx 5 eQi cÖ‡Z¨K eQ‡ii ïiæ‡Z wKw¯Í cwi‡kva Ki‡eb|
bM` cÖevn Avkv Kiv hv‡”Q : K. wgkÖ bM`cÖevn Kx? 1
eQi Kic~e©eZ©x bM` cÖevn (UvKv) L. †Kvb †kqvi‡K nvBweªW †kqvi e‡j? e¨vL¨v Ki| 2
1 1,20,000 M. F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3
2 2,20,000 N. cÖ‡Z¨K eQ‡ii †k‡l wKw¯Í cÖ`vb Ki‡j F‡Yi Avmj cwi‡kv‡ai
3 3,40,000 Dci Kx cÖfve co‡e? e¨vL¨v Ki| 4
39 Lyjbv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

1  Kwig mv‡ne †kqvievRv‡i wewb‡qvM Ki‡Z B”QzK| wZwb wb‡¤œv³ `ywU ÷‡Ki M. DÏxc‡Ki 2q eÛwUi AšÍwb©wnZ g~j¨ wbY©q Ki| 3
Z_¨ msMÖn K‡i‡Qb| wb‡P `ywU ÷‡Ki m¤¢ve¨ I Av‡qi nvi †Ìqv n‡jv : N. DÏxc‡Ki †Kvb eÛwU µq Kiv DwPZ? MvwYwZKfv‡e g~j¨vqb Ki| 4
÷K-X ÷K-Y 7  Rbve Zvwng XvKv wj. Gi Avw_©K eë¯’vcK| wZwb `xN©‡gqvw` wewb‡qv‡Mi
Av‡qi nvi m¤¢vebv Av‡qi nvi m¤¢vebv Rb¨ 6% g~jab e¨q Abygvbmv‡c‡ÿ `ywU cÖK‡íi g~j¨vqb K‡i‡Qb| wb‡¤œ
10% .30 13% .10 cÖKí `ywU m¤ú‡K© Z_¨vewj Dc¯’vcb Kiv n‡jv :
14% .40 15% .20 eQi cÖKí-P cÖKí-Q
8% .20 20% .40 0 (1,20,000) UvKv (1,20,000) UvKv
5% .10 25% .30 1 30,000 10,000
K. m¤¢vebv web¨vm Kx? 1 2 30,000 20,000
L. evRvi Av‡qi nvi n«v‡mi d‡j cÖ‡qvRbxq Av‡qi nv‡ii Dci Kx cÖfve co‡e? 2 3 30,000 30,000
M. ÷K-X I ÷K-Y Gi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3 4 30,000 40,000
N. Kwig mv‡n‡ei †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv DwPZ? e¨vL¨v Ki| 4 5 30,000 50,000
2  Rbve iwng `ywU wmwKDwiwU cQ›` Ki‡jb hv‡ì cÖZ¨vwkZ Av‡qi nvi I cwi‡kvaKvj 4 eQi 
cwiwgZ eëavb wb¤œiƒc : Mo gybvdvi nvi ? 
†kqvi Av‡qi nvi cwiwgZ eëavb wbU eZ©gvb g~j¨ 6,370 UvKv 
P 16% 6% 8.01%
IRR 
Q 16% 6% K. g~jab wbqš¿Y Kx? 1
GQvov wmwKDwiwUi `ywUi mnm¤^Ü wQj .50| Rbve iwn‡gi Kv‡Q L. g~jab e¨‡qi mv‡_ wbU eZ©gvb g~‡jï m¤úK© e¨vL¨v Ki| 2
wewb‡qv‡Mi Rb¨ eZ©gv‡b 10,00,000 UvKv Av‡Q, hvi 50% wmwKDwiwU P M. cÖKí-P Gi Mo gybvdvi nvi wbY©q Ki| 3
G Ges evwK Ask wmwKDwiwU Q G wewb‡qvM Ki‡jb| N. XvKv wj. Gi Avw_©K eë¯’vcK cÖKí-P †Z wewb‡qv‡Mi wm×všÍ
K. AwbðqZv Kv‡K e‡j? 1 wb‡q‡Qb| IRR Gi wfwË‡Z cÖKí wbe©vP‡b †hŠw³KZv †`LvI| 4
L. Av`k© wePz¨wZi gva¨‡g Kxfv‡e SzuwK cwigvc Kiv hvq? 2 8  Rbve Kvgvj A‰eafv‡e AwR©Z A_© w`‡q Zvi bv‡g GKwU Rwg µq K‡ib
M. Rbve iwn‡gi wewb‡qv‡Mi cÖZ¨vwkZ Av‡qi nvi KZ? 3 Ges cieZ©xKv‡j Zv Zvi ¯¿xi bv‡g n¯ÍvšÍi K‡ib| `yb©xwZ `gb Kwgkb
N. Rbve iwn‡gi GKK wmwKDwiwU‡Z wewb‡qvM bv K‡i †cvU©‡dvwjI Rvb‡Z †c‡i Rbve Kvgvj Ges Zvi ¯¿xi weiæ‡× gvgjv K‡i|
ˆZwii †hŠw³KZv we‡kølY Ki| 4
K. IPO Kx? 1
3  mvgm wj. GKwU Pvgov cÖwµqvRvZKvix cÖwZôvb| G Kv‡R eën„Z
L. gvwb jÛvwis ej‡Z Kx †evS? 2
†KwgK¨vj I eR©¨mg~n eywoM½v b`x‡Z wg‡k| cÖwZôvbwU b`xi cvwb, gvwU I
M. DÏxc‡K †Kvb ai‡bi Avw_©K evRv‡ii Ici Av‡jvKcvZ Kiv
cwi‡e‡ki K_v †f‡e IqvUvi wUª‡Uv›U cøv›U ¯’vc‡bi Rb¨ wm×všÍ MÖnY K‡i|
n‡q‡Q? e¨vL¨v Ki| 3
GRb¨ Zv‡ì 35 jÿ UvKv cÖ‡qvRb| cÖwZôvbwU g~jab msMÖ‡ni Rb¨ Ggb
N. DÏxc‡K †h ai‡bi wech©‡qi K_v ejv n‡q‡Q Zv wbiƒc‡Y
Dr‡mi K_v we‡ePbv Ki‡Q †hLvb †_‡K Ki myweav cvIqv hv‡e Ges g~jab
mieivnKvixMY †Kv¤úvwbi cÖK…Z gvwjK n‡Z cvi‡e bv| evsjv‡`‡ki †Kvb KZ…©cÿ f‚wgKv cvjb K‡i? e¨vL¨v Ki| 4
K. A_©vqb Kx? 1 9  bvRbxb bvnvi †emiKvwi cÖwZôv‡bi EaŸ©Zb eë¯’vcK Ges Zvi gvwmK †eZb
82,000 UvKv| wZwb GLb n‡Z 12 eQi ci GKwU evwo Ki‡eb e‡j wm×všÍ
L. Ògybvdv I Zvi‡jï g‡a¨ mggyLx m¤úK© we`¨gvbÓ Zzwg wK GKgZ? 2
wb‡jb| †mB †gvZv‡eK ÔKÕ e¨vs‡K 12 eQ‡ii Rb¨ GKwU mÂqx wnmve Lyj‡jb
M. DÏxc‡K DwjøwLZ mvgm wj. †Kvb ai‡bi g~jab msMÖ‡ni K_v fve‡Qb? 3 †hLv‡b cÖwZ gv‡mi ïiæ‡Z 24,000 UvKv K‡i Rgv ivL‡eb| my‡ì nvi 12%|
N. DÏxc‡K DwjøwLZ cÖK‡íi wewb‡qvMwU A_©vq‡bi †Kvb aviYvi mv‡_
K. A‡_©i mgqg~j¨ Kx? 1
m¤úK©h³y Ges †Kb? g~j¨vqb Ki| 4
L. evwl©K e„wË ej‡Z Kx †evS? 2
4  wg. Avwj 5 eQi ci GKwU Mvwo wKb‡Z Pvb| †mB mg‡q H MvwowUi g~j¨ n‡e 10 M. wZwb 12 eQi ci ÔKÕ e¨vsK n‡Z KZ UvKv cv‡eb Zv wbY©q Ki| 3
jÿ UvKv| H MvwowU µq Ki‡Z n‡j 12% my‡ì nv‡i UvKv mÂq Ki‡Z n‡e|
N. evwo evbv‡Z 12 eQi ci 12 jÿ UvKv cÖ‡qvRb n‡j Zvi wK Kiv DwPZ? 4
K. iæjm-72 Kx? 1
10  Rbve Zvwgg GKRb wewb‡qvMKvix| wZwb ÔKÕ I ÔLÕ †Kv¤úvwbi g‡a¨ †h‡Kv‡bv
L. mij my` I Pµe„w× my‡ì cv_©K¨ †jL| 2
GKwU †Kv¤úvwbi e‡Û wewb‡qvM Ki‡Z AvMÖnx| eÛ `ywUi Z_¨mg~n wb¤œiƒc :
M. H MvwowU µq Ki‡Z n‡j †gvU KZ UvKv Rgv Ki‡Z n‡e?
DÏxc‡Ki Av‡jv‡K wbY©q Ki| 3 wjwLZ g~j¨ Kzcb cÖ‡qvRbxq evRvig~j¨
eÛ †gqv`Kvj
N. 15% my‡ì nv‡i 4,00,000 UvKv eª¨vK e¨vs‡K Rgv ivL‡j wba©vwiZ (UvKv) nvi Av‡qi nvi (UvKv)
mg‡q H MvwowU µq Kiv m¤¢e wK? 4 K 1,000 12% 10 eQi 10% 1,100
5  ÔKÕ dvBb¨vÝ Gi A_©eë¯’vcK wewfbœ Z_¨ msMÖn I we‡kølY K‡i wb‡¤œv³ L 1,000 10% 8 eQi 11% 980
`ywU cÖK‡íi Z_¨ Avavi cÎ ˆZwi K‡i‡Qb| K. `xN©‡gqvw` A_©vqb Kx? 1
AwR©Z gybvdv L. †kqvi I FYc‡Îi g‡a¨ cv_©K¨ †`LvI| 2
cÖKí wewb‡qvM 1g eQi 2q eQi 3q eQi †gvU gybvdv M. †Kv¤úvwb ÔKÕ Ges ÔLÕ e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3
K 1,00,000 30,000 20,000 40,000 90,000 N. Rbve Zvwg‡gi †Kvb e‡Û wewb‡qvM Kiv DwPZ Zv †gqv`c~wZ©‡Z
L 1,00,000 20,000  70,000 90,000 Av‡qi nvi wbY©‡qi gva¨‡g wm×všÍ MÖnY Ki| 4
K. A-eëmvq A_©vqb Kx? 1 11  Rbve nvmvb †kqv‡i wewb‡qvM Ki‡Z B”QzK| Zvi wbKU `ywU wmwKDwiwU
L. SzuwK I gybvdvi mgš^qKiY bxwZwU e¨vL¨v Ki| 2 m¤ú‡K© Z_¨vw` i‡q‡Q hvi g‡a¨ †Kvb GKwU wmwKDwiwU‡Z wewb‡qvM Ki‡e|
M. DÏxc‡K Z_¨¸‡jv A_© eë¯’vc‡Ki †Kvb ai‡bi A_©vqb Kvh©‡K wmwKDwiwU K wmwKDwiwU L
wb‡`©k K‡i? evL¨v Ki| 3 (Av‡qi nvi) (Av‡qi nvi)
N. m¤ú` me©vwaKiY jÿ¨ we‡ePbvq DÏxc‡K †Kvb cÖKíwU DËg? e¨vL¨v Ki| 4 g›`v 0.35 2% 1%
6  †gvnbv wj. 5,000 UvKv AwfwnZ g~‡jï GKwU wR‡iv Kzcb eÛ 3 eQ‡ii ¯^vfvweK .40 15% 16%
Rb¨ 4,100 UvKvq evRv‡i †Q‡o‡Q| †kvfv wj. 11% Kzcb my‡` 10,000 †ZwR 0.25 20% 22%
UvKv g~‡jï eÛ Bmy¨ K‡i‡Q| hv 12 eQi ci cwi‡kva Kiv n‡e| K. SzuwK Kx? 1
cÖ‡qvRbxq Av‡qi nvi 10%| L. SzuwK I Av‡qi m¤úK© e¨vL¨v Ki| 2
K. †µwWU †iwUs Kx? 1 M. wmwKDwiwU ÔKÕ Gi Av`k© wePz¨wZ wbY©q Ki| 3
L. mvaviY †kqvi I e‡Ûi g‡a¨ cv_©K¨ †jL| 2 N. Rbve nvmvb †Kvb wmwKDwiwU cÖZ¨vnvi Ki‡e? we‡kølY Ki| 4
40 Kzwgjøv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

1  wg. mvwKj M I N †Kv¤úvwbi Avw_©K eë¯’vcK whwb me©`v †Kv¤úvwbi gybvdv K. PjwZ DcvR©b nvi Kx? 1
e„w×i K_vB wPšÍv K‡ib| d‡j wZwb †Kv¤úvwbi Drcvw`Z c‡Yï ¸YMZgv‡bi L. gy`ªvùxwZ Kxfv‡e wewb‡qvM wm×všÍ‡K cÖfvweZ K‡i? 2
w`‡K †Lqvj bv †i‡L c‡Yï g~j¨ e„w×i gva¨‡g gybvdv e„w×i w`‡KB †ewk M. hgybv wj. e‡Ûi YTM wbY©q Ki| 3
g‡bv‡hvM †`b| cÿvšÍ‡i, wg. mvwKj P I Q †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb N. eÛ g~‡jï wfwË‡Z Rbve wKewiqvi wm×všÍ g~j¨vqb Ki| 4
Zvi †Kv¤úvwbi Drcvw`Z c‡Yï ¸YMZgvb h_vh_fv‡e wbqš¿Y K‡ib| †fv³vi 7  mvweŸi GKRb bZzb wewb‡qvMKvix| wZwb X I Y †Kv¤úvwbi e‡Ûi g‡a¨
¯^v‡_©i w`KUv gv_vq †i‡L wZwb mxwgZ gybvdv K‡ib| G‡Z K‡i P I Q †KvbwU wewb‡qvM Ki‡eb †m wel‡q wm×všÍ wb‡Z Pvb| eÛ `ywUi cÖvmw½K
†Kv¤úvwbi Drcvw`Z c‡Yï evRvi m¤úÖmvwiZ nq| wg. mvwKj †Kv¤úvwb mswkøó Z_¨vewj wb¤œiƒc :
mK‡ji ¯^v‡_©i w`K gv_vq †i‡L †Kv¤úvwbi m¤ú` e„w×i w`‡K bRi †`b| AwfwnZ g~j¨ Kzcb my‡ì †gqv` c~wZ©i cÖ‡qvRbxq evRvig~j¨
K. eëmvq A_©vqb Kv‡K e‡j? 1 †Kv¤úvwb
nvi mgq Av‡qi nvi
L. mvgvwRK `vqe×Zv ej‡Z Kx †evS? 2 X 1,000 UvKv 14% 20 ermi 12% 1,180 UvKv
M. DÏxc‡Ki M I N †Kv¤úvwb‡Z A_©vq‡bi †Kvb j‡ÿï cÖwZdjb Y 1,000 UvKv 10% 16 ermi 10% 976 UvKv
N‡U‡Q? e¨vL¨v Ki| 3 K. †UªRvwi wej Kx? 1
N. DÏxc‡Ki `ywU †Kv¤úvwbi g‡a¨ †Kvb †Kv¤úvwbwU `xN©‡gqv‡` wU‡K L. bM` P‡µi Dci cwi‡kva mgq e„w×i cÖfve e¨vL¨v Ki| 2
_vK‡e e‡j Zzwg g‡b Ki? hyw³ `vI| 4 M. mvweŸi X †Kv¤úvwbi eÛwU KZ g~‡j¨ µq Ki‡e? 3
2  wg. Avwid Zvi 10 Rb eÜy‡K mv‡_ wb‡q K…wÎg e¨w³mËvwewkó GKwU N. mvweŸi †Kvb ai‡bi eÛ wewb‡qvM Ki‡j jvfevb n‡eb? gšÍe¨ Ki| 4
Avw_©K cÖwZôvb MVb K‡i| D³ cÖwZôvb wcÖwgqv‡gi wecix‡Z †Kv‡bv 8  wgm gvwiqv XvKv wek¦we`¨vj‡qi eëmvq cÖkvmb wefvM n‡Z wWMÖx AR©b K‡i‡Qb|
m¤ú‡ì ÿwZ n‡j Zvi ÿwZc~iY w`‡q _v‡K| Gfv‡e SzuwK wbimb K‡i wZwb myôzfv‡e SzuwK I Avq we‡kølY K‡i wewb‡qvM wm×všÍ MÖn‡Y AvMÖnx|
†`‡ki eëmv-evwY‡Rï †ÿ‡Î cÖwZôvbwU ¸iæZ¡c~Y© f‚wgKv cvjb K‡i‡Q| wewb‡qv‡Mi D‡Ï‡k¨ wZwb wb‡¤œv³ wmwKDwiwU‡Ri Z_¨vewj we‡ePbv Ki‡Qb :
cÖwZôvbwUi MÖvn‡Ki msL¨v w`b w`b e„w× cv‡”Q| cÖwZôvbwUi MÖvnK‡ì cÖZ¨vwkZ Avq
cÖZviYvi nvZ †_‡K iÿv Kivi Rb¨ Avw_©K evRv‡ii wbqš¿Y ms¯’v i‡q‡Q| m¤¢vebv
K. BSEC-Gi c~Y©iƒc Kx? 1
0.30 0.10 0.05
L. gva¨wgK evRv‡i †Kvb ai‡bi †jb‡`b nq? 2
M. DÏxc‡K Avwid‡ì cÖwZôvbwU cwiPvjbvi †ÿ‡Î Avw_©K evRv‡ii 0.40 0.12 0.20
†Kvb AvBb cÖ‡hvR¨? e¨vL¨v Ki| 3 0.30 0.14 0.02
N. DÏxc‡K DwjøwLZ cÖwZôvbwUi MÖvnK‡ì cÖZviYvi nvZ †_‡K iÿvi Rb¨ cÖZ¨vwkZ Avq 0.12 0.0710
Avw_©K evRv‡ii †Kvb wbqš¿K ms¯’vi f‚wgKv ¸iæZ¡c~Y© e¨vL¨v Ki| 4 cwiwgZ eëavb 0.0155 0.1088
3  iwdK GLb †_‡K 6 eQi ci 8,00,000 UvKv w`‡q GKwU Mvwo wKb‡Z K. gv‡K©U weUvi Av`k© gvb KZ? 1
Pvq| G j‡ÿ¨ wZwb GKwU Znwej MVb Ki‡Z Pvb| 6 eQi c‡i H L. Avq I SzuwKi g‡a¨ m¤úK© e¨vL¨v Ki| 2
Znwe‡ji g~j¨ Aek¨B 8,00,000 UvKv n‡Z n‡e| cÖZ¨vkv Kiv n‡”Q H M. wgm gvwiqvi †cvU©‡dvwjI Avq wbY©q Ki| 3
Znwej †_‡K cÖwZeQi 8% nvi my` cvIqv hv‡e| N. wgm gvwiqv wmwKDwiwU-B †K AwaK SzuwKc~Y© e‡j AwfwnZ K‡i‡Qb
K. Aa©evwl©K Pµe„w× Kx? 1 Dw³wUi h_v_©Zv g~j¨vqb Ki| 4
L. A‡_©i mgqg~j¨ wbY©‡qi †ÿ‡Î my‡ì nv‡ii f‚wgKv e¨vL¨v Ki| 2 9  ¯‹qvi †Kv¤úvwbi wbKU wewb‡qv‡Mi Rb¨ 1,60,000 UvKv i‡q‡Q|
M. iwdK‡K H Znwe‡j cÖwZeQ‡ii †k‡l KZ UvKv Rgv w`‡Z n‡e? 3 †Kv¤úvwbwU wewb‡qv‡Mi Rb¨ wb‡¤œv³ `ywU cÖKí we‡ePbv Ki‡Q :
N. iwd‡Ki RgvK…Z UvKv Ges 6 eQi c‡i cÖvß UvKvi g‡a¨ †Kvb cÖviw¤¢K Ki-cieZ©x gybvdv
cv_©K¨ ˆZwi n‡j Zvi KviY e¨vL¨v Ki| 4 cÖKí
wewb‡qvM 1 2 3
4  w`cyi Kv‡Q 1,00,000 UvKv Av‡Q| wZwb D³ A_© 10% my‡ì nv‡i 5 eQ‡ii A 75,000 18,000 12,000 10,000
Rb¨ wgWj¨vÛ e¨vs‡K Rgv ivL‡Z Pv‡”Qb| w`cyi fvB Zv‡K grm¨ Pvl Ki‡Z B 75,000 20,000 15,000 8,000
ej‡jb| †hLvb †_‡K AvMvgx 5 eQi h_vµ‡g 25,000, 28,000, 22,000, ¯‹qvi †Kv¤úvwb wj.-Gi g~jab e¨q 10%|
25,000 Ges 50,000 UvKv cvIqv hv‡e| Ab¨w`‡K Zvi eÜy †cvwëª dvg© K. Af¨šÍixY Av‡qi nvi Kx? 1
w`‡Z ej‡jb| †hLvb †_‡K AvMvgx 5 eQi cÖwZeQi †k‡l 30,000 UvKv K‡i
L. ¯^vaxb cÖKímg~‡ni †ÿ‡Î Kxfv‡e wm×všÍ MÖnY Kiv nq? 2
cvIqv hv‡e| Dfq †ÿ‡Î w`cyi cÖZ¨vwkZ Av‡qi nvi 10%|
M. cÖKí-A Gi Mo Av‡qi nvi wbY©q Ki| 3
N. wbU eZ©gvb g~‡jï wfwË‡Z ¯‹qvi †Kv¤úvwbi wewb‡qvM wm×všÍ mycvwik Ki| 4
L. mg‡qi cwieZ©b eZ©gvb g~j¨‡K Kxfv‡e cÖfvweZ K‡i Zv e¨vL¨v Ki| 2
10  wenb wj.-Gi 2wU wewb‡qvM cÖ¯Íve Av‡Q| cÖwZwU cÖK‡íi cÖv_wgK wewb‡qvM
M. wgWj¨vÛ e¨vs‡K RgvK…Z A‡_©i fwel¨r g~j¨ wbY©q Ki| 3
n‡e 50,000 UvKv| cÖwZôvbwUi my‡hvM e¨q n‡jv 10%| cÖKí `ywUi bM`
N. w`cyi †Kvb eëmvqwU wbe©vPb Kiv DwPZ? we‡kølY Ki| 4
5  Rbve Kwig g~jab evRv‡i wewb‡qvM Ki‡Z AvMÖnx| wZwb wewb‡qvM Kivi evwl©K AvšÍtcÖevn wb‡¤œ †Ìqv n‡jv
Rb¨ wb‡¤œv³ `ywU wmwKDwiwUi Z_¨ we‡ePbv K‡i‡Qb : eQi cÖKí-K (UvKv) cÖKí-L (UvKv)
cÖZ¨vwkZ Avq 1 30,000 20,000
m¤¢vebv 2 20,000 20,000
0.40 30% 25% 3 20,000 20,000
0.20 20% 35% 4 10,000 20,000
0.40 18% 32% K. g~jab ev‡RwUs Kx? 1
K. SzuwK Kx? 1 L. g~jab ev‡RwUs †Kb Kiv nq? eywS‡q †jL| 2
L. GKK SzuwK ej‡Z Kx †evS? 2 M. DÏxc‡K DwjøwLZ 2wU cÖK‡íi †c-e¨vK mgq wbY©q Ki| 3
M. wmwKDwiwU-A Gi Av`k© wePz¨wZ wbY©q Ki| 3 N. cÖKí `ywUi NPV wbY©q K‡i wenb wj.-†K cÖK‡íi MÖnY‡hvM¨Zvi
N. ÒwmwKDwiwU-B AwaK SzuwKc~Y©Ó Dw³wUi h_v_©Zv MvwYwZKfv‡e we‡kølY Ki| 4 e¨vcv‡i civgk© `vI| 4
6  Rbve wKewiqvi cÖZ¨vwkZ Avq nvi 16% wZwb wb‡¤œ DwjøwLZ `ywU e‡Ûi 11  Uzmx GKwU j¨vcUc µ‡qi wPšÍvfvebv Ki‡Qb| j¨vcUcwU µq Ki‡Z bM`
80,000 UvKv cÖ‡qvRb| Uzmx j¨vcUc µ‡qi Rb¨ `ywU weK‡íi K_v
†h‡Kv‡bv GKwU‡Z wewb‡qv‡Mi wPšÍv Ki‡Qb
fve‡Qb| cÖ_g weKí n‡jv m¤ú~Y© A_© bM‡` cwi‡kva K‡i †Ìqv, wØZxq
hgybv wjwg‡UW cÙv wjwg‡UW weKí n‡jv 60% bM‡` Ges evwK UvKv evwl©K 4,600 UvKv wKw¯Í‡Z 10
AwfwnZ g~j¨ 1,000 UvKv AwfwnZ g~j¨ 1,000 UvKv eQ‡i cwi‡kva K‡i †Ìqv| G‡ÿ‡Î Uzmxi my‡hvM e¨q 12%|
Kzcb my‡ì nvi 18% 6 gvm †gqvw` wR‡iv Kzcb eÛ K. Kvh©Kix my‡ì nvi Kx? 1
†gqvw` 5 eQi, eZ©gvb eZ©gvb evRvig~j¨ 910 UvKv L. Pµe„w×i msL¨v e„w× †c‡j A‡_©i fwel¨r g~‡jï Ici Kx cÖfve c‡o? 2
evRvig~j¨ 1,100 UvKv M. DÏxc‡K DwjøwLZ Uzmx †h evwl©K wKw¯Í cÖ`vb Ki‡eb Zvi eZ©gvb g~j¨ KZ? 3
Rbve wKewiqv hgybv wjwg‡U‡Wi eÛ µ‡qi wm×všÍ wb‡jb| N. Uzmxi †Kvb weKíwU MÖnY Kiv DwPZ Ges †Kb? 4
41 we G Gd kvnxb K‡jR, PÆMÖvg welq †KvW : 2 9 2

1  wb‡Pi `ywU cÖK‡íi cÖZ¨vwkZ Avq I m¤¢vebv †Ìqv n‡jv : M. Rbve Avnmvb‡K Zvi eÜy A_©vq‡bi †h bxwZ Abymi‡Yi civgk©
cÖZ¨vwkZ Avq (%) w`‡qwQ‡jb Zv e¨vL¨v Ki| 3
m¤¢vebv N. g~jab wewb‡qv‡Mi †ÿ‡Î Rbve Avnmv‡bi M„nxZ bxwZi †hŠw³KZv
cÖKí-1 cÖKí-2
0.35 05 15 we‡kølY K‡i| 4
0.25 16 20 7  Rbve kvwKj Zvi cyivZb Mvwo wewµ K‡i 5,00,000 UvKv †c‡jb, hv
0.40 20 25 e¨vs‡K 10 eQ‡ii Rb¨ ¯’vqx wnmve Ly‡j Rgv ivLvi wm×všÍ wb‡jb| wZwb
Rvb‡Z cvi‡jb, cÙv e¨vs‡K Rgv ivL‡j 5 eQi †k‡l 7,00,000 UvKv
K. eëmvq SzuwK Kx? 1
cv‡eb Ges MovB e¨vs‡K ivL‡j 4 eQi †k‡l 6,50,000 UvKv cv‡eb|
L. cÖZ¨vwkZ Av‡qi nvi ej‡Z Kx †evSvq? 2
K. wgkÖ bM` cÖevn Kx? 1
M. cÖKí-2 Gi Av`k© wePz¨wZ wbY©q K‡i| 3
L. evÆvKiY c×wZ I Pµe„w×KiY c×wZi g‡a¨ wK †Kv‡bv m¤úK©
N. we‡f`v¼ (CV) we‡ePbvq †Kvb cÖK‡íi SzuwK Kg? we‡kølY Ki| 4
Av‡Q? e¨vL¨v Ki| 2
2  MvRx G‡MÖv wj. wewb‡qv‡Mi D‡Ï‡k¨ wb‡¤œv³ `ywU cÖKí we‡ePbv Ki‡Q| Zviv
M. DÏxc‡Ki Av‡jv‡K cÙv e¨vs‡Ki my‡ì nvi KZ? 3
cÖKí g~j¨vq‡bi †ÿ‡Î AevÆvK…Z †KŠkj eënvi K‡i| N. Rbve kvwK‡ji †Kvb e¨vs‡K wnmve †Lvjv AwaK hyw³msMZ n‡e e‡j
weeiY †cvwëª dvg© †WBwi dvg© Zzwg g‡b Ki? my‡ì nv‡ii wfwË‡Z we‡kølY Ki| 4
cÖv_wgK wewb‡qvM 7,50,000 UvKv 7,50,000 UvKv 8  Rbve weRq GKRb eÛ wewb‡qvMKvix| wewb‡qv‡Mi Rb¨ Zvi Kv‡Q `ywU eÛ
eQi Ki cieZ©x wbU gybvdv Ki cieZ©x wbU gybvdv i‡q‡Q hvi eY©bv wb‡¤œ cÖ`Ë n‡jv :
1 80,000 1,00,000 eÛ Kzcb †iU †gqv` evRvig~j¨
2 1,20,000 1,50,000 U 14% 5 eQi 1,250 UvKv
3 1,00,000 80,000 K 13% 5 eQi 850 UvKv
†Kv¤úvwbi me©wb¤œ cÖ‡qvRbxq Av‡qi nvi 28%| D‡jøL¨, †cvwëª dvg© Rbve weR‡qi cÖZ¨vwkZ Av‡qi nvi 12%| cÖwZwU e‡Ûi AwfwnZ g~j¨
cÖK‡íi Mo Av‡qi nvi 26.26%| 1,000 UvKv|
K. bM` cÖevn Kx? 1 K. wPi¯’vqx eÛ Kv‡K e‡j? 1
L. g~jab ev‡RwUs †Kb ¸iæZ¡c~Y©? e¨vL¨v Ki| 2 L. AMÖvwaKvi †kqvi‡K †Kb ksKi RvZxq wmwKDwiwU ejv nq? e¨vL¨v Ki| 2
M. †cvwëª dvg© cÖK‡íi cwi‡kvaKvj wbY©q Ki| 3 M. hw` my` Aa©evwl©K wfwË‡Z †Ìqv nq Z‡e 'U' e‡Ûi AšÍwb©wnZ g~j¨ KZ? 3
N. MvRx G‡MÖv wj.-Gi †Kvb cÖKí MÖnY Kiv DwPZ? MvwYwZK hyw³ `vI| 4 N. †gqv`c~wZ©‡Z Av‡qi nv‡ii wfwË‡Z Rbve weR‡qi †Kvb e‡Û
3  Rbve Avjg `xN©‡gqvw` e‡Û wewb‡qv‡M AvMÖnx| Zvi `ywU e‡Û wewb‡qv‡Mi wewb‡qvM Kiv DwPZ? e¨vL¨v Ki| 4
my‡hvM Av‡Q| eÛ `ywUi Z_¨vewj wb¤œiƒc : 9  Rbve kvwgg GKwU bZzb cÖK‡í 2,20,000 UvKv wewb‡qv‡M AvMÖnx| cÖKíwUi
AwfwnZ Kzcb cÖ‡qvRbxq †gqv` 4 eQi| cÖKíwU †_‡K m¤¢ve¨ Ki c~e©eZ©x bM` AvšÍtcÖevn wb¤œiƒc :
eÛ evRvig~j¨ †gqv`Kvj
g~j¨ my‡ì nvi Av‡qi nvi eQi Kic~e©eZ©x bM` AvšÍtcÖevn (UvKv)
P 1,000 12% 900 12 eQi 10% 1 65,000
Q 1,200  950 10 eQi 10% 2 85,000
K. `xN©‡gqvw` A_©vqb Kx? 1 3 80,000
L. AMÖvwaKvi †kqvi ej‡Z Kx †evSvq? 2 4 90,000
M. DÏxc‡K ewY©Z P e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3 K‡ii nvi 40%, g~jab e¨q 10%| Rbve kvwgg IRR Gi wfwË‡Z cÖKí
N. DÏxc‡Ki Av‡jv‡K Rbve Avj‡gi †Kvb eÛ wewb‡qvM Kiv DwPZ? g~j¨vqb K‡ib|
we‡kølY Ki| 4 K. cÖKí Kx? 1
4  Rbve igRvb Avjx Avjdv e¨vsK †_‡K 14% my‡` 25,000 UvKv FY MÖnY L. NPV KLb k~b¨ nq? e¨vL¨v Ki| 2
K‡iwQ‡jb hv my`vm‡j mgvb 4wU evwl©K wKw¯Í‡Z cwi‡kvwaZ n‡qwQj| M. cÖK‡íi evÆvK…Z PBP wbY©q Ki| 3
K. A‡_©i mgqg~j¨ Kx? 1 N. cÖKíwUi MÖnY‡hvM¨Zvi wel‡q gZvgZ `vI| 4
L. ÒA‡_©i eZ©gvb g~j¨ fwel¨r g~‡jï Zzjbvq AwaK cQ›`bxqÓ †Kb? 2 10  Rbve wiqvR MZ eQi `ywU wmwKDwiwUi mgš^‡q GKwU †cvU©‡dvwjI MVb
M. evwl©K wKw¯Íi cwigvY wbY©q Ki| 3 K‡ib, †hLv‡b Zvi †cvU©‡dvwjI SzuwK wQj 15%| eZ©gv‡b wZwb wb‡¤œv³
N. FY cwi‡kva ZvwjKv ˆZwi Ki| 4 `ywU wmwKDwUi mgš^‡q bZzb †cvU©‡dvwjI MVb Ki‡Z AvMÖnx :
5  evsjv‡`k miKvi cÙv †mZz wbg©v‡Yi Rb¨ wek¦e¨vs‡Ki mv‡_ GKwU FYPzw³ wmwKDwiwU-A E(rA) = 7.50% A = 10% A = 40%
m¤úv`‡bi D‡`¨vM MÖnY K‡iwQj| wKšÍy wek¦e¨vsK FY gÄy‡ii †ÿ‡Î KwVb wmwKDwiwU-B E(rB) = 10% B = 20% B = 60%
kZ© Av‡ivc Kivq evsjv‡`k miKvi A_©vq‡bi weKí Drm wnmv‡e wbR¯^ A I B wmwKDwiwUi mnm¤^Ü 0.30
A_©vq‡bi K_v fve‡jv| miKvi wbR¯^ Ges †emiKvwi mnvqZvi A_©vq‡bi K. SzuwKgy³ Av‡qi nvi Kx? 1
gva¨‡g †mZzwU wbg©v‡Yi D‡`¨vM wbj| L. evRvi SzuwK Kx cwinvi‡hvM¨? e¨vL¨v Ki| 2
K. Zvij¨ bxwZ Kx? 1 M. Rbve wiqv‡Ri bZzb †cvU©‡dvwjI Av‡qi nvi wbY©q Ki| 3
L. A_©vqb‡K eëmv‡qi g~j PvwjKvkw³ ejv nq †Kb? 2 N. DÏxc‡K Rbve wiqv‡Ri bZzb †cvU©‡dvwjI MVb Kx Zvi Rb¨ Kg
M. cÙv †mZz wbg©v‡Yi Rb¨ cÖ_‡g †Kvb ai‡bi A_©vq‡bi D‡`¨vM MÖnY SzuwKc~Y© n‡e? MvwYwZK we‡køl‡Yi wfwË‡Z gZvgZ `vI| 4
Kiv nq? eY©bv Ki| 3 11  Rbve wmivRyj nK 10,00,000 UvKv 10 eQ‡ii Rb¨ wewb‡qv‡Mi D‡Ï‡k¨
N. cÙv †mZz wbg©v‡Y weKí A_©vq‡bi D‡`¨vM MÖnY eë¯’v hyw³msMZ g~jab evRv‡i wM‡q `ywU wmwKDwiwU cQ›` Ki‡jb| GKwU 12% Kzcb my‡ì
wKbv? we‡kølY Ki| 4 4,000 UvKv g~‡jï FYcÎ Ges cÖZ¨vwkZ Av‡qi nvi 13%| AciwU 4,000
6  Rbve Avnmvb Zvi wbKU mwÂZ A_© wewb‡qvM K‡i bZzb cÖKí ïiæ Ki‡Z UvKv g~‡jï 13% AMÖvwaKvi †kqvi Ges GLv‡b cÖZ¨vwkZ Av‡qi nvi 12%|
AvMÖnx| GB wel‡q wZwb Zvi cÖwZwôZ eëmvqx eÜy wg. mR‡ji civgk© PvB‡j eÜy K. AMÖvwaKvi †kqvi Kx? 1
Zv‡K GKvwaK cÖK‡í wewb‡qv‡Mi civgk© †`b| wKš‘ wZwb AwaK jv‡fi Avkvq L. †UªRvwi eÛ‡K SzuwKgy³ wmwKDwiwU ejv nq †Kb? 2
Zvi m¤ú~Y© A_© GKwU cÖK‡í wewb‡qvM K‡ib Ges †jvKmv‡bi m¤§yLxb nb| M. DÏxc‡Ki FYc‡Îi cÖK…Z g~j¨ KZ? 3
K. A_©vq‡bi mvgvwRK `vqe×Zv Kx? 1 N. Rbve wmivRyj n‡Ki †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv DwPZ n‡e?
L. Òwewb‡qv‡Mi jÿ¨ AR©‡b A_©vq‡bi bxwZmg~n gvbv cÖ‡qvRbÓ e¨vL¨v Ki| 2 hyw³mn we‡kølY Ki| 4
42 Rvjvjvev` K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR, wm‡jU welq †KvW : 2 9 2

1 XYZ †Kv¤úvwbi Avw_©K eë¯’vcK G eQi AwR©Z gybvdvi 60% jf¨vsk N. DÏxc‡K Avw_©K eë¯’vcK I cwiPvjbv cl©` KZ…©K cÖ¯ÍvweZ g~jab
wnmv‡e †kqvigvwjK‡ì gv‡S fvM K‡i †Ìqvi wm×všÍ †NvlYv †`b Ges msMÖ‡ni Drm `ywUi Zzjbvg~jK we‡kølY K‡i †KvbwU AwaK hyw³hy³
Aewkó A_© fwel¨‡Zi Rb¨ msiÿ‡Yi wm×všÍ †bb| GRb¨ Zvi cÖwZôv‡bi gšÍe¨ Ki| 4
†kqvi evRvig~j¨ MZ eQ‡ii Zzjbvq e„w× †c‡q‡Q| 7  †e÷ wm‡g›U wj. eëmvq m¤úÖmvi‡Yi j‡ÿ¨ GKwU bZzb Drcv`b jvBb
K. eëmvq A_©vqb Kx? 1 ¯’vc‡b AvMÖnx hvi µqg~j¨ 20,00,000 UvKv, Avqy®‹vj 5 eQi Ges
L. A_©vq‡bi mvgvwRK `vwqZ¡ ej‡Z Kx †evSvq? 2 fMœve‡kl g~j¨ AvbygvwbK 3,00,000 UvKv| Drcv`b ÿgZv we‡kølY K‡i
M. DÏxc‡K DwjøwLZ XYZ †Kv¤úvwbi eë¯’vc‡Ki wm×všÍ A_©vq‡bi †`Lv †Mj jvBbwU n‡Z AvMvgx cuvP eQi Kic~e© bM` AvšÍtcÖevn cvIqv
†Kvb Kvh©vewj? e¨vL¨v Ki| 3 hv‡e h_vµ‡g 4,00,000 UvKv, 5,00,000 UvKv, 7,00,000 UvKv,
N. XYZ †Kv¤úvwb A_©vq‡bi g~j jÿ¨ AR©b Ki‡Z †c‡i‡Q Dw³wUi 5,00,000 UvKv, 6,00,000 UvKv| cÖwZôvbwUi K‡ii nvi 30%|
h_v_©Zv we‡kølY Ki| 4 K. g~jab ev‡RwUs Kx? 1
2 wg. nvmvb I wg. mv` `yRb eëmvqx| wg. nvmvb ïay Kvc‡oi eëmvq K‡i| L. g~jab eivÏKiY ej‡Z Kx †evSvq? 2
Ab¨w`‡K, wg. mv` Pkgvi eëmv‡qi mv‡_ Kvc‡oi eëmvqI K‡i| wg. mv` M. DÏxc‡K ewY©Z cÖK‡íi Mo gybvdvi nvi (ARR) wbY©q Ki| 3
g‡b K‡i, Pkgvi eëmvq hw` ÿwZ nq Zvn‡j Kvc‡oi eëmvq †_‡K Zv N. hw` evÆvi nvi 10% nq Zvn‡j cÖKíwU‡Z wewb‡qvM hyw³hy³ wKbv
mgš^q n‡e| wg. nvmvb AwaK gybvdvi Avkvq me©`v bM` A_© Kg nv‡Z Zv NPV wbY©q K‡i gšÍe¨ Ki| 4
†i‡L AwaK wewb‡qvM K‡i| 8  wgivKj BÛvw÷ªR wj. Gi wbKU MÖnY Kivi Rb¨ `ywU wewb‡qvM cÖKí Av‡Q|
K. miKvwi A_©vqb Kx? 1 cÖKí `ywUi bM` cÖevn wb‡¤œ †Ìqv n‡jv :
L. g~jab ev‡RwUs †Kb Kiv nq? e¨vL¨v Ki| 2 eQi cÖKí 'X' cÖKí 'Y'
M. wg. mv` A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Q? DÏxc‡Ki Av‡jv‡K e¨vL¨v Ki| 3 0 (1,00,000) (1,00,000)
N. wg. nvmv‡bi AwaK A_© wewb‡qvM Zvi eëmvq Kx cÖfve †dj‡Z 1 30,000 50,000
cv‡i? we‡kølY Ki| 4 2 40,000 50,000
3 wg‡mm mylgv Av³vi Zvi wcZvi wbKU n‡Z 5,00,000 UvKv Dcnvi¯îƒc 3 30,000 50,000
†c‡jb| D³ UvKv wewb‡qv‡Mi Rb¨ Zvi wbKU `ywU weKí i‡q‡Q| cÖ_gwU 4 60,000 50,000
cvwievwiK mÂqc‡Î wewb‡qvM Kiv †hLvb †_‡K wZwb gvwmK 35,000 UvKv cÖwZôvbwUi g~jab e¨‡qi nvi 10% cÖKí 'Y' Gi IRR 35%|
gybvdv cv‡eb Ges 5 eQi †gqv`c~wZ©‡Z 5,00,000 UvKv m¤ú~Y© †diZ K. Af¨šÍixY Av‡qi nvi Kx? 1
cv‡eb| wØZxq weKíwU n‡jv †mvbvjx e¨vs‡K 5 eQi †gqvw` ¯’vqx Avgvb‡Z L. g~jab †diZKvj c×wZi Amyweav¸‡jv Kx Kx? 2
wewb‡qvM Kiv †hLvb †_‡K wZwb 5 eQi ci GK‡Î 7,00,000 UvKv M. DÏxc‡K DwjøwLZ cÖKí 'X' Gi g~jab †diZKvj wbY©q Ki| 3
cv‡eb| Zvi my‡hvM e¨q 9%| N. Af¨šÍixY Av‡qi nvi ev IRR Gi wfwË‡Z cÖKí `ywUi g‡a¨ †KvbwU
K. A‡_©i mgqg~j¨ Kx? 1 AwaK MÖnY‡hvM¨ e‡j †Zvgvi g‡b nq? 4
L. eZ©gv‡bi bM` A_© cQ‡›ì KviY¸‡jv Kx Kx? 2 9  wb‡¤œ `ywU cÖK‡íi cÖZ¨vwkZ Avq I m¤¢vebv †Ìqv n‡jv :
M. DÏxc‡K DwjøwLZ mÂqcÎ n‡Z cÖvß gybvdvi eZ©gvb g~j¨ KZ? 3 cÖZ¨vwkZ Avq (%)
N. wg‡mm mylgvi †Kvb welqwU MÖnY Kiv DwPZ? MvwYwZK we‡kølY Ki| 4 m¤¢vebv (P) cÖKí-ÔKÕ cÖKí-ÔLÕ
4 Rbve Avkivdzj GKwU eûRvwZK †Kv¤úvwbi Kg©KZ©v| †Kv¤úvwb Zvi 0.25 15
15
Avevm‡bi Rb¨ ¯^íg~‡j¨ GKwU d¬¨vU cÖ`v‡b AvMÖnx| †Kv¤úvwb Zv‡K `ywU
weKí cÖ¯Íve w`j| cÖ_gwU n‡jv d¬¨v‡Ui g~j¨ eve` 4,00,000 UvKv K‡i 0.30 10 20
mgvb evwl©K wKw¯Í‡Z 10 eQ‡i cwi‡kva Kiv| wØZxqwU n‡jv 10,00,000 0.45 25 25
UvKv bM` cwi‡kva K‡i Aewkó A‡_©i Rb¨ 2,50,000 UvKv evwl©K wKw¯Í K. eëmvq SzuwK Kx? 1
10 eQi cwi‡kva Kiv| Avkivdz‡ji my‡hvM e¨‡qi nvi 8%| L. SzuwK I Av‡qi nv‡ii m¤úK© e¨vL¨v Ki| 2
K. evÆvKiY Kx? 1 M. cÖKí ÔKÕ Gi Av`k© wePz¨wZ wbY©q Ki| 3
L. mvaviY evwl©K e„wËi g~j¨ †_‡K AwMÖg evwl©K e„wËi g~j¨ †ewk nq †Kb? 2 N. cÖKíØ‡qi Zzjbvg~jK SzuwKi gvÎv we‡ePbvq †Kvb cÖK‡í wewb‡qvM
M. cÖ_g weKí Abyhvqx evwl©K e„wËi eZ©gvb g~j¨ KZ? 3 hyw³hy³ n‡e? 4
N. Rbve Avkivdz‡ji †Kvb weKíwU MÖnY Kiv DwPZ Ges †Kb? 10  †Kvqv›Uvg wmwKDwiwUR cyuwRevRv‡i wewb‡qvMKvix GKwU cÖwZôvb| cÖwZôvbwUi
MvwYwZK we‡køl‡Yi gva¨‡g DËi `vI| 4 †cvU©‡dvwjI g¨v‡bRvi wewb‡qv‡Mi Rb¨ wb‡¤œv³ `ywU wmwKDwiwUR wPwýZ
5 Rbve Avmjvg †nv‡mb GKwU A‡Uv‡gwUK ivBm wg‡ji gvwjK| wZwb SzuwK K‡i‡Qb Ges SzuwK I Av‡qi nvi m¤úwK©Z wb‡¤œv³ Z_¨ Dc¯’vcb K‡i‡Qb|
n«vmK‡í wewb‡qvM eûgyLxKiY Ki‡Z AvMÖnx| GRb¨ wZwb gva¨wgK evRv‡i wmwKDwiwUR cÖZ¨vwkZ Avq Av`k© wePz¨wZ weUv ()
10,00,000 UvKv wewb‡qv‡M AvMÖnx| wewfbœ wewb‡qvM weKí m¤ú‡K© Z_¨ A 12% 8% 2
msMÖn K‡i wZwb 9% Kzcb †i‡U 5 eQi †gqvw` 5,000 wjwLZ g~‡jï e‡Û B 18% 10% 3
wewb‡qvM Ki‡jb| Zv‡K eÛ¸‡jv eZ©gvb evRvig~j¨ 5,500 UvKvq wKb‡Z SzuwKgy³ Av‡qi nvi 6% Ges evRvi Av‡qi nvi 14%|
n‡jv| Zvi cÖZ¨vwkZ Av‡qi nvi 8%| K. †cvU©‡dvwjI Kx? 1
K. k~b¨ Kzcb eÛ Kx? 1 L. cÖ‡qvRbxq Av‡qi nv‡ii Ici weUvi cÖfve e¨vL¨v Ki| 2
L. gva¨wgK evRvi ej‡Z Kx †evSvq? 2 M. DÏxc‡K DwjøwLZ wmwKDwiwUR `ywUi cÖ‡qvRbxq Av‡qi nvi wbY©q Ki| 3
M. Rbve Avmjvg †nv‡m‡bi µqK…Z e‡Ûi AšÍwb©wnZ g~j¨ KZ? 3 N. †Kvqv›Uvg wmwKDwiwU‡Ri wewb‡qvM wm×všÍ Kx nIqv DwPZ? e¨vL¨v Ki| 4
N. hw` my` Aa©evwl©K wfwË‡Z cÖ`vb K‡i Zvn‡j eZ©gvb evRvig~‡j¨ eÛ 11  Rbve kwidzj GKwU †emiKvwi cÖwZôv‡b Kg©iZ| Awd‡m hvZvqv‡Zi Rb¨
wK‡b wZwb wK jvfevb n‡Z cvi‡eb? e¨vL¨v Ki| 4 †m 5 eQi ci 2,00,000 UvKvq GKwU †gvUimvB‡Kj µ‡qi cwiKíbv
6 †KvqvwjwU wmivwg· wj. Drcv`b e„w×i j‡ÿ¨ GKwU bZzb cø¨v›U ¯’vc‡b AvMÖnx| Ki‡Q| GRb¨ †m Znwej mÂ‡qi `ywU weK‡íi K_v fve‡Q| cÖ_g weKí
†Kv¤úvwbwUi Avw_©K eë¯’vcK e¨vsK F‡Yi gva¨‡g A_©vq‡bi civgk© cÖ`vb n‡jv 10% gybvdvq gvwmK mÂq cÖK‡í wewb‡qvM Kiv Ges wØZxqwU n‡jv
K‡ib| hyw³ wnmv‡e wZwb Dc¯’vcb K‡ib †h e¨vsK FY Kg mg‡q cvIqv hvq 1,00,000 UvKv eZ©gv‡b GKKvjxb e¨vs‡K Mw”QZ ivLv †hLvb †_‡K †m
Ges AwaK bgbxq cÿvšÍ‡i, cÖwZôvbwUi cwiPvjbv cl©` Ggb Drm †_‡K cuvP eQi ci 2,00,000 UvKv cv‡e|
g~jab msMÖn Ki‡Z Pvb †hwU cwi‡kv‡ai mxgv‡iLvi g‡a¨ evaëvaKZv †bB| K. Kvh©Kix my‡ì nvi Kx? 1
K. `xN©‡gqvw` A_©vqb Kx? 1 L. Pµe„w×i msL¨vi mv‡_ Kvh©Kix my‡ì nv‡ii m¤úK© e¨vL¨v Ki| 2
L. †Kvb †kqvi‡K ksKiRvZxq wmwKDwiwU ejv nq? e¨vL¨v Ki| 2 M. cÖ_g weKí Abyhvqx Rbve kwidz‡ji gvwmK mÂ‡qi cwigvY KZ? 3
M. DÏxc‡K cwiPvjbv cl©` g~jab msMÖ‡ni †Kvb Dr‡mi K_v e‡j‡Qb? N. Rbve kwidz‡ji †Kvb weKíwU MÖnY Kiv DwPZ? MvwYwZK we‡køl‡Yi
Av‡jvPbv Ki| 3 gva¨‡g e¨vL¨v Ki| 4
43 wm‡jU K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR welq †KvW : 2 9 2

1 'A' †Kv¤úvwb ïay wgwbc¨vK k¨v¤úy wecYb K‡i _v‡K| mybvg evov‡bv I M. g~jab e¨q 15% n‡j cÖKí `ywUi NPV wbY©q Ki| 3
eëmvq m¤úÖmvi‡Yi j‡ÿ¨ Zviv Zv‡ì †gvU jv‡fi 25% jf¨vsk wn‡m‡e N. hw` cÖKí `ywU ¯^vaxb nq Ges g~jab e¨q 12% n‡j Zzwg †Kvb cÖKí
†kqvi‡nvìvi‡ì g‡a¨ eÈb K‡i| Aciw`‡K 'B' †Kv¤úvwb wgwbc¨vK cQ›` Ki‡e? DË‡ii mc‡ÿ hyw³ `vI| 4
k¨v¤úyi cvkvcvwk d¨vwgwj mvBR k¨v¤úy, †evZjRvZ k¨v¤úy I nvievj 6  mvC` nvmvb Zvi wbR GjvKvq GKwU `vZe¨ wPwKrmv †K›`ª M‡o †Zv‡jb|
k¨v¤úy wecYb K‡i| Zv‡ì †gvU jv‡fi 8% jf¨vsk wn‡m‡e mgv‡Ri wewfbœ abx e¨w³‡ì mn‡hvwMZvq †mev‡K›`ªwU cwiPvwjZ n‡q
†kqvi‡nvìvi‡ì g‡a¨ eÈb K‡i| Avm‡Q| †mev‡K›`ªwU hv‡Z AviI fv‡jvfv‡e cwiPvwjZ n‡Z cv‡i Zvi Rb¨
K. Zvij¨ I gybvdv bxwZ Kx? 1 wewfbœ we‡`wk ms¯’vi Kv‡Q wZwb mn‡hvwMZv Pvb| cÖwZôv‡bi m¤ú~Y© Avq
L. A_©vqb ej‡Z Znwej msMÖn Kiv‡KB †evSvq eywS‡q wjL| 2 gvbe‡mevq e¨q Kiv nq|
M. †Kv¤úvwb 'B' SzuwK Kgv‡Z A_©vq‡bi †Kvb bxwZwU AbymiY K‡i‡Q? K. Znwe‡ji eÈb Kx? 1
e¨vL¨v Ki| 3 L. m¤ú` me©vwaKiY †Kv¤úvwbi g~j jÿ¨ nIqv DwPZ e¨vL¨v Ki| 2
N. DÏxc‡Ki †Kvb †Kv¤úvwbwU A_©vq‡bi m¤ú` me©vwaKi‡Yi jÿ¨wU M. DÏxc‡K DwjøwLZ †mev cÖwZôv‡b A_©vq‡bi d‡j mgv‡R Kxiƒc
AR©‡bi w`‡K GwM‡q hv‡”Q Zv we‡kølYc~e©K Av‡jvPbv Ki| 4 cÖfve c‡o? e¨vL¨v Ki| 3
2 Rbve Gm Avjg GKwU †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb GKwU cÖK‡í N. DÏxc‡K DwjøwLZ Avq gvbe‡mevq LiP Kiv A_©vq‡bi mvgvwRK
wewb‡qv‡Mi wPšÍv Ki‡Qb| cÖK‡íi cÖv_wgK cÖv°wjZ bM` ewntcÖevn `vqe×Zvi Av‡jv‡K we‡kølY Ki| 4
2,00,000 UvKv| cÖK‡íi †gqv` 4 eQi Ges fMœve‡kl g~j¨ †bB| †Kv¤úvwb 7  jwZd mv‡ne emZevwo Dbœq‡bi Rb¨ GLb †_‡KB A_© mÂq Kivi wm×všÍ
w¯’i wKw¯Í c×wZ‡Z AePq avh© K‡i| cÖ‡qvRbxq Av‡qi nvi 10% Ges wb‡q‡Qb| AvMvgx 4 eQi cÖ‡Z¨K eQ‡ii ïiæ‡Z wZwb h_vµ‡g 30,000
K‡c©v‡iU Ki 40%| cÖKíwUi cÖv°wjZ Kic~e© bM` AvšÍtcÖevn wb¤œiƒc : UvKv; 40,000 UvKv; 50,000 UvKv Ges 60,000 UvKv e¨vs‡K Rgv
weeiY eQi-1 eQi-2 eQi-3 eQi-4 †Ìqvi Rb¨ gbw¯’i K‡i‡Qb|
Kic~e© bM` cÖevn (UvKv) 80,000 70,000 80,000 1,00,000 K. evwl©K e„wË Kx? 1
K. ci¯úi eR©bkxj cÖKí Kx? 1 L. evwl©K e„wËi cÖavb `ywU kZ© Kx Kx? e¨vL¨v Ki| 2
L. †c-e¨vK mgq c×wZ Kx? eywS‡q wjL| 2 M. e¨vs‡Ki Pµe„w× my‡ì nvi 15% n‡j 4 eQi ci jwZd mv‡ne
M. cÖKíwUi Mo gybvdvi nvi wbY©q Ki| 3 e¨vsK †_‡K †gvU KZ UvKv cv‡eb? 3
N. cÖK‡íi wbU eZ©gvb g~j¨ wbY©q Ki Ges cÖK‡íi MÖnY‡hvM¨Zvi Ici N. jwZd mv‡n‡ei wKw¯Í cÖ`vb‡K e„wË ejv hv‡e wK? we‡kølY Ki| 4
gšÍe¨ Ki| 4 8  Rbve mvjvg GKwU †Kv¤úvwbi Avw_©K eë¯’vcK| Zvi nv‡Z GKwU wewb‡qvM
3 wg‡mm †mvwbqv Zvi MÖv‡gi evwo wewµ K‡i 10,00,000 UvKv †c‡jb| UvKv cÖKí i‡q‡Q| cÖK‡íi cÖv_wgK wewb‡qvM 1,00,000 UvKv Ges AvMvgx‡Z 3
wZwb GKwU e¨vs‡K 5 eQ‡ii Rb¨ Rgv ivLvi wm×všÍ †bb| Zvi Kv‡Q `ywU (wZb) eQ‡i evwl©K bM` Ki-cieZ©x gybvdv h_vµ‡g 30,000; 50,000 I
weKí cÖ¯Íve i‡q‡Q| cÙv e¨vsK Zv‡K 12% nv‡i evwl©K Pµe„w× my` w`‡e| 35,000 UvKv| g~jab e¨q 15%| Rbve mvjvg wbU eZ©gvb g~j¨ c×wZ
Ab¨w`‡K, †gNbv e¨vsK Zv‡K 10% nv‡i gvwmK Pµe„w× my` w`‡e| (NPV) eënvi K‡i cÖK‡íi Av‡qi nvi m¤ú‡K© wbwðZ n‡Z Pvb|
K. A‡_©i fwel¨r g~j¨ Kx? 1 K. Af¨šÍixY Av‡qi nvi Kx? 1
L. evwl©K e„wË ej‡Z Kx †evSvq? 2 L. g~jab †ikwbs ej‡Z Kx †evSvq? 2
M. †gqv` †k‡l wg‡mm †mvwbqv cÙv e¨vsK †_‡K †gvU KZ UvKv cv‡eb? M. cÖK‡íi Mo gybvdvi nvi wbY©q Ki| 3
wbY©q Ki| 3 N. Rbve mvjv‡gi cÖKíwU wK MÖnY Kiv DwPZ? hyw³ mnKv‡i DËi `vI| 4
N. wg‡mm †mvwbqvi Rb¨ †Kvb e¨vs‡K UvKv Rgv ivLv jvfRbK n‡e? 9  Rbve bvwmi I bvwmg `yRb Kvc‡oi cvBKvwi eëmvq K‡ib| Rbve bvwmi
we‡kølY Ki| 4 ïay Kvc‡oi eëmvq K‡ib| Ab¨w`‡K Rbve bvwmg Kvc‡oi cvkvcvwk
4 Rbve wknve wewb‡qv‡Mi D‡Ï‡k¨ wb‡¤œv³ `ywU †Kv¤úvwbi weMZ 4 eQ‡ii i‡Oi eëmvq K‡ib| wZwb g‡b K‡ib, hw` Kvc‡oi eëmv‡q ÿwZ nq
Avq ch©v‡jvPbv Ki‡Qb : Zvn‡j i‡Oi eëmvq †_‡K gybvdv AR©b Kiv hv‡e| Ab¨w`‡K Rbve bvwmi
eQi 2015 2016 2017 2018 Mo Avq we‡f`v¼ †ewk gybvdvi Avkvq bM` UvKv nv‡Z Kg †i‡L wewb‡qvM K‡ib|
K. eëmvq A_©vqb Kx? 1
cÙv wj. 10% 14% 16% 20% 15% 48.10%
L. Zvij¨ ej‡Z Kx †evSvq? 2
†gNbv wj. 6% 10% 20% 24% 15% ??
M. Rbve bvwmg A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? e¨vL¨v Ki| 3
Ab¨w`‡K, Rbve wknv‡ei eÜy wgivR myigv wj.-Gi †kqvi µq K‡i‡Qb
N. Rbve bvwm‡ii AwaK A_© wewb‡qvM Zvi eëmv‡q Kxiƒc cÖfve
†hwUi evRvi SzuwKi gvb 1.40| D‡jøL¨, evRvi Av‡qi nvi 14% Ges
†dj‡Z cv‡i? we‡kølY Ki| 4
SzuwKgy³ Av‡qi nvi 5%|
10  wewW †Kv¤úvwb 2015 mv‡ji 1 Rvbyqvwi Zvwi‡L 5 eQi †gqvw` eÛ Bmy¨
K. g~jabx Avq Kx? 1
K‡i‡Q; hvi wjwLZ g~j¨ 1,000 UvKv| Kzcb nvi 12% evwl©K wfwË‡Z
L. FY g~jab eënv‡ii Kvi‡Y †Kvb SzuwKi m„wó nq? e¨vL¨v Ki| 2
cwi‡kva Kiv nq Ges e‡Ûi cÖ‡qvRbxq Av‡qi nvi 14%|
M. Rbve wgiv‡Ri cÖZ¨vwkZ Av‡qi nvi KZ? wbY©q Ki| 3
K. `xN©‡gqvw` A_©vqb Kx? 1
N. DÏxc‡K DwjøwLZ Rbve wknv‡ei wewb‡qvM wm×všÍ mycvwik Ki| 4
L. Kzcb nvi e‡Ûi Av‡qi Ici Kx cÖfve †d‡j? 2
5 wgbwZ wgbv‡ijm †Kvs wj.-Gi Kv‡Q `ywU ci¯úi eR©bkxj cÖK‡í A I B
M. wewW †Kv¤úvwbi e‡Ûi g~j¨ wbY©q Ki| 3
†Z wewb‡qv‡Mi my‡hvM i‡q‡Q| cÖKí `ywUi bM` cÖevn wb¤œiƒc :
N. hw` cÖ‡qvRbxq Av‡qi nvi †e‡o 16% nq Ges e‡Ûi evRvig~j¨
mgq A B
1,200 UvKv nq Z‡e eÛwU †Kbvi †hŠw³KZv we‡kølY Ki| 4
0 (30,000) (40,000) 11  Rbve Avexi GKRb ÿz`ª wewb‡qvMKvix| wZwb 10 eQi †gqvw` 10% Kzcb
1 2,000 25,000 e‡Û wewb‡qv‡Mi wm×všÍ †bb| eÛwUi wjwLZ g~j¨ 1000 UvKv| cÖZ¨vwkZ
2 15,000 18,000 Av‡qi nvi 13%|
3 7,000 9,000 K. †kqvi Kx? 1
4 5,000 6,000 L. cÖZ¨vwkZ Av‡qi nvi ej‡Z Kx †evSvq? 2
K. ci¯úi eR©bkxj cÖKí Kx? 1 M. DÏxc‡Ki eÛwUi g~j¨ wbY©q Ki| 3
L. †c-e¨vK wcwiqW ej‡Z Kx †evS? 2 N. DÏxc‡K Rbve Avex‡ii e‡Û wewb‡qvM wm×v‡šÍi †hŠw³KZv g~j¨vqb Ki| 4
44 Ag„Z jvj †` gnvwe`¨vjq, ewikvj welq †KvW : 2 9 2

1  wg. KvRj I wg. iZb `yBRb GKwU cÖwZwôZ wek¦we`¨vj‡q wdb¨vÝ I K. Kzcb eÛ Kx? 1
e¨vswKs wel‡qi Dci cov‡kvbv K‡i‡Qb| Zviv `yÕRb wg‡j wm×všÍ wbj †h, L. mvaviY †kqvigvwjK‡ì †Kb me©‡kl `vwe`vi ejv nq? e¨vL¨v Ki| 2
wUDkwb K‡i AwR©Z UvKv w`‡q †kqvievRv‡i wewb‡qvM Ki‡e| wg. KvRj M. DÏxc‡Ki y eÛwU †Kvb ai‡bi eÛ? e¨vL¨v Ki| 3
Zvi cyuwR w`‡q GKwUgvÎ †Kv¤úvwbi †kqvi µq Kij| Ab¨w`‡K wg. iZb N. DÏxc‡K DwjøwLZ wg. bÿ‡Îi wewb‡qvM wm×v‡šÍi †hŠw³KZv g~j¨vqb Ki| 4
Zvi cyuwR w`‡q mvZwU †Kv¤úvwbi †kqvi µq Kij| 7  Rbve kvnxb Zvi mwÂZ A_© cyuwRevRv‡i wewb‡qvM Ki‡Z AvMÖnx| e‡Û
K. eëmvq A_©vqb Kx? 1 wewb‡qvM Zvi Kv‡Q wbivc` g‡b nq| GRb¨ wZwb `ywU eÛ cQ›` K‡i‡Qb|
L. m¤ú` me©vwaKiY Kxfv‡e Kiv hvq? e¨vL¨v Ki| 2 wb‡P eÛ¸‡jvi weeiY †Ìqv n‡jv
M. wg. iZb wewb‡qv‡Mi †ÿ‡Î A_©vq‡bi †Kvb bxwZwU AbymiY Kiv eÛ Kzcb my‡ì nvi evRvig~j¨ (UvKv) †gqv` (eQi)
n‡q‡Q? e¨vL¨v Ki| 3 A 12% 600 6
N. DÏxc‡Ki Av‡jv‡K †kqvievRv‡i wewb‡qv‡Mi †ÿ‡Î Kvi wewb‡qvM‡K B 10% 450 
AwaK †hŠw³K e‡j Zzwg g‡b Ki? we‡kølY Ki| 4 K. AMÖvwaKvi †kqvi Kx? 1
2  Rbve bexb I Rbve dwi` `yRbB cvBKvwi eëmv K‡ib| Rbve bexb L. msiwÿZ gybvdv ej‡Z Kx †evS? 2
Kvc‡oi eëmv K‡ib| Ab¨w`‡K Rbve dwi` GKB mv‡_ Kvco I RyZvi M. DÏxcK Abyhvqx †gqv`c~wZ©‡Z A e‡Ûi Av‡qi nvi KZ? 3
eëmv K‡ib| Rbve dwi` g‡b K‡ib †h, GKwU eëmvq ÿwZ n‡j Ab¨ N. †Kvb e‡Û wewb‡qvM Rbve kvnx‡bi Rb¨ hyw³hy³ e‡j Zzwg g‡b Ki?
eëmv w`‡q †hb Zv cywl‡q †bIqv hvq| Rbve bexb †ewk gybvdvi Avkvq e¨vL¨v Ki| 4
nv‡Z Aí wKQy bM` †i‡L m¤ú~Y© wewb‡qvM K‡ib| 8  wg. wejvk 'A' I 'B' ci¯úi eR©bkxj `ywU cÖK‡íi †h‡Kv‡bv GKwU cÖK‡í
K. gybvdv me©vwaKiY Kx? 1 wewb‡qv‡Mi Rb¨ fve‡Qb| cÖ‡Z¨K cÖK‡íi cÖv_wgK wewb‡qvM 2,00,000
L. Zvij¨ ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 UvKv Ges evÆvi nvi 11%| cÖKí `ywUi m¤¢ve¨ bM` cÖevn wb¤œiƒc :
M. Rbve dwi` A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? e¨vL¨v Ki| 3 cÖKí/eQi 1 2 3 4 5
N. Rbve bex‡bi wewb‡qvM wm×všÍ eëmv‡qi Kx cÖfve †dj‡Z cv‡i?
cÖKí-A 52,000 52,000 52,000 52,000 52,000
we‡kølY Ki| 4
3  wg. Rv‡f` gaygwZ wj. Gi GKRb Avw_©K eë¯’vcK| wZwb `ywU cÖK‡í cÖKí-B 68,000 60,000 36,000 48,000 72,000
wewb‡qv‡Mi K_v fve‡Qb| cÖKí `ywU‡Z cÖv_wgK wewb‡qvM 1,75,000 K. ci¯úi eR©bkxj cÖKí Kx? 1
UvKv| wb‡¤œ `ywU cÖK‡íi cieZ©x 5 eQ‡ii wbU gybvdv †Ìqv n‡jv : L. MÖnY-eR©b wm×všÍ ej‡Z Kx †evSvq? 2
eQi cÖKí-K (UvKv) cÖKí-L (UvKv) M. cÖKí-'B' Gi NPV wbY©q Ki| 3
N. †c-e¨vK mgq we‡ePbv K‡i wg. wejv‡ki †Kvb cÖK‡í wewb‡qvM Kiv
1 1,30,000 10,000
DwPZ e‡j Zzwg g‡b Ki? 4
2 50,000 30,000
9  wg. `xcK bvM †`‡ki wewfbœ A_©‰bwZK Ae¯’v wPšÍv K‡i `ywU ÷‡K wewb‡qvM
3 40,000 25,000 Ki‡Z wm×všÍ MÖnY Ki‡jb| wb‡¤œ ÷‡Ki m¤¢vebv web¨vm I Av‡qi nvi
4 30,000 30,000 †Ìqv n‡jv :
5 10,000 1,65,000 Av‡qi nvi
†gvU gybvdv 2,60,000 2,60,000 A_©‰bwZK Ae¯’v m¤¢vebv web¨vm
÷K ÔKÕ ÷K ÔLÕ
K. Zvij¨ Kx? 1 fv‡jv 0.25 20% 15%
L. eëmvq ˆbwZKZv ej‡Z Kx †evSvq? 2 ¯^vfvweK 0.50 30% 35%
M. wg. Rv‡f` †h `ywU cÖK‡íi K_v fve‡Qb Zv A_©vq‡bi †Kvb
Lvivc 0.25 10% 12%
Kvh©vewji g‡a¨ c‡o? e¨vL¨v Ki| 3
N. hw` wg. Rv‡f` Zvi dv‡g©i m¤ú` me©vwaKiY Ki‡Z Pvq Z‡e DÏxc‡K K. †cvU©‡dvwjI Kx? 1
DwjøwLZ `ywU cÖK‡íi g‡a¨ †KvbwU cQ›` Kiv DwPZ? we‡kølY Ki| 4 L. Avq I SzuwKi g‡a¨ Kx ai‡bi m¤úK© i‡q‡Q? e¨vL¨v Ki| 2
4  jZv I cvZv `yB †evb| jZv †gNbv e¨vs‡K eQ‡ii ïiæ‡Z 10% my‡` Ges M. wg. `xcK bv‡Mi ÷K ÔLÕ Gi Av`k© wePz¨wZ wbY©q Ki| 3
cvZv hgybv e¨vs‡K eQ‡ii †k‡l 12% my‡` 5,000 UvKv K‡i 10 eQi Rgv N. DÏxc‡Ki Av‡jv‡K wg. `xcK bv‡Mi †Kvb ÷‡K wewb‡qvM Kiv DwPZ
K‡ib| jZv †gqv` †k‡l 87,656 UvKv cv‡eb| cvZv 3q, 4_© I 5g eQi Ges †Kb? g~j¨vqb Ki| 4
†k‡l h_vµ‡g 5,000 UvKv, 3,000 UvKv I 10,000 UvKv cv‡eb| cvZvi 10  weUv †Kv¤úvwb 7,00,000 UvKv g~‡jï GKwU †gwkb µ‡qi wel‡q we‡ePbv
my‡hvM e¨‡qi nvi 8.5%| Ki‡Q| †Kv¤úvwbi g~jab e¨q 10% Ges K‡c©v‡iU K‡ii nvi 40%|
K. evwl©K e„wË Kx? 1 †gwkbwU eënv‡ii gva¨‡g AvMvgx 5 eQ‡i wb‡¤œv³ nv‡i Kic~ee© Z©x bM`
L. A‡_©i mgqg~j¨ †Kb cQ›`bxq? e¨vL¨v Ki| 2 cÖevn Avkv Kiv hv‡”Q :
M. cvZvi cÖvß A‡_©i eZ©gvb g~j¨ KZ? wbY©q Ki| 3 eQi Kic~e©eZ©x bM` cÖevn (UvKv)
N. DÏxc‡Ki Av‡jv‡K †K †gqv` †k‡l †ewk UvKv cv‡eb, we‡kølY K‡i †`LvI| 4 1 1,20,000
5  Rbve iZb GKwU ¯^vqËkvwmZ cÖwZôvb †_‡K m`¨ Aemi MÖnY K‡ib| wZwb 2 2,20,000
MÖ¨vPzBwU wn‡m‡e 10 jÿ UvKv cvb| wZwb D³ UvKv 5 eQ‡ii Rb¨ e¨vs‡K Rgv 3 3,40,000
ivL‡Z Pvb| Zvi Kv‡Q `ywU e¨vs‡Ki `ywU weKí cÖ¯Íve Av‡Q| WvKNi mÂqx 4 2,80,000
e¨vsK 14% nv‡i mij my` cÖ`v‡b AvMÖnx Ges †gNbv e¨vsK 13% nv‡i 5 2,30,000
Pµe„w× my` cÖ`vb Ki‡Z Pvb| e¨vsK QvovI RbZv BÝy¨‡iÝ †Kv¤úvwb wjwg‡UW K. cÖKí Kx? 1
†_‡K 5 eQi †k‡l 18 jÿ UvKv cÖvwßi GKwU weKí cÖ¯Íve Zvi wbKU Av‡Q| L. g~jab ev‡RwUs‡qi `ywU D‡Ïk¨ †jL| 2
K. A‡_©i mgqg~j¨ Kx? 1 M. DÏxc‡K ewY©Z †gwkbwUi Mo DcvR©b nvi KZ? 3
L. Pµe„w× nv‡i cÖK…Z my‡ì nvi cwiewZ©Z nq †Kb? e¨vL¨v Ki| 2 N. wbU eZ©gvb g~‡jï Av‡jv‡K †gwkbwU µ‡qi wel‡q †Kv¤úvwbi
M. †gNbv e¨vs‡K Rgv ivL‡j Rbve iZb 5 eQi c‡i KZ UvKv cv‡eb? 3 wm×všÍ Kx nIqv DwPZ? we‡kølY Ki| 4
N. DÏxc‡Ki wZbwU weKí cÖ¯Ív‡ei g‡a¨ Rbve iZb †Kvb cÖ¯ÍvewU MÖnY 11  wg. bq‡bi wbKU wewb‡qvM‡hvM¨ 40,000 UvKv Av‡Q| wZwb GB A_©
Ki‡eb? hyw³mn eywS‡q `vI| 4 wb¤œiƒ‡c wewb‡qv‡Mi wm×všÍ wb‡jb :
6  wg. bÿÎ eÛ evRv‡i wewb‡qvM Ki‡Z AvMÖnx| wZwb wewb‡qv‡Mi D‡Ï‡k¨ †Kv¤úvwb K L M N
1,000 UvKv wjwLZ g~‡jï wb‡¤œv³ `ywU eÛ we‡ePbv K‡i‡Qb : wewb‡qvM (UvKv) 4,000 8,000 12,000 16,000
eÛ my‡ì nvi †gqv` AšÍwb©wnZ g~j¨ evRvig~j¨ cÖZ¨vwkZ Av‡qi nvi 8% 12% 15% 18%
x 12%  1,200 UvKv 1,180 UvKv K. eëmvq SzuwK Kx? 1
y 14% 5 eQi ? 1,120 UvKv L. Zvij¨ SzuwK Kxfv‡e m„wó nq? 2
wg. bÿ‡Îi cÖZ¨vwkZ Av‡qi nvi 10% Ges wZwb wePvi-we‡kølY K‡i y M. †cvU©‡dvwjI Av‡qi nvi wbY©q Ki| 3
e‡Û wewb‡qvM Kivi wm×všÍ †bb| N. †cvU©‡dvwjI Av`k© wePz¨wZ wbY©q Ki| 4
45 w`bvRcyi miKvwi K‡jR welq †KvW : 2 9 2

1  Rbve iwng Ges Rbve Kwig `yRbB cvBKvwi eëmv K‡ib| Rbve iwng 7  Rbve mygb Ki‡Zvqv wj. Gi Avw_©K eë¯’vcK| wZwb A I B cÖK‡íi
Kvc‡oi eëmv K‡ib| Ab¨w`‡K Rbve Kwig GKB mv‡_ Kvco Ges RyZvi GKwU‡Z wewb‡qvM Ki‡eb| Zvi cÖviw¤¢K g~jab 60,000 UvKv| cÖKí `ywUi
eëmv K‡ib| Rbve Kwig g‡b K‡ib GKwU eëmvq ÿwZ n‡j Ab¨ eëmv bM` AvšÍtcÖevn wb¤œiƒc :
w`‡q †hb Zv cywl‡q †bIqv hvq| Rbve iwng †ewk gybvdvi Avkvq nv‡Z cÖKí eQi-1 eQi-2 eQi-3 eQi-4
Aí wKQy bM` A_© †i‡L m¤ú~Y© wewb‡qvM K‡ib| A 30,000 20,000 30,000 15,000
K. gybvdv me©vwaKiY Kx? 1 B 25,000 30,000 20,000 10,000
L. Zvij¨ ej‡Z Kx †evSvq? e¨vL¨v Ki| 2
Ki‡Zvqv wj. Gi g~jab e¨q 10%| [†hLv‡b 1 UvKvi eZ©gvb g~j¨ cÖ_g eQi
M. Rbve Kwig A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? e¨vL¨v Ki| 3
0.909; wØZxq eQi 0.826; Z…Zxq eQi 0.751 Ges PZz_© eQi 0.683]
N. Rbve iwn‡gi wewb‡qvM wm×všÍ eëmv‡q Kx cÖfve †dj‡Z cv‡i?
we‡kølY Ki| 4 K. g~jab ev‡RwUs Kx? 1
2  cÙv †Kv¤úvwb wj. GKwU †cvkvK cÖ¯ÍyZKvix cÖwZôvb| cÖwZôvbwU eywoM½v b`xi L. g~jab †ikwbs ej‡Z Kx †evSvq? 2
Zx‡i Aew¯’Z| cÖwZôvbwUi eR©¨ I `~wlZ cvwb| b`x‡Z covq cvwb, evqy I M. B cÖK‡íi cwi‡kvabKvj wbY©q Ki| 3
gvwU `~wlZ n‡q cwi‡e‡ki ÿwZ K‡i‡Q| cwi‡ek iÿvi Rb¨ cÖwZôvbwUi N. wbU eZ©gvb g~j¨ c×wZ eënvi K‡i †Kvb cÖKí MÖnY Ki‡eb?
KZ…©cÿ GKwU cvwb cwi‡kvab hš¿ µq Kivi wm×všÍ wb‡q‡Q| hš¿wU µq Kivi †Zvgvi gZvg‡Zi mc‡ÿ hyw³ `vI| 4
Rb¨ 10 †KvwU UvKvi cÖ‡qvRb Ges Gi Avqy®‹vj 20 eQi| cÖwZôvbwU 8  cÙv †Kv¤úvwbi 3 eQ‡ii bM` AvšÍtcÖevn h_vµ‡g 44,000 UvKv,
miKvi‡K h_vixwZ Ki cÖ`vb K‡i I b`xi Zx‡i ebvqb cÖKí nv‡Z †bq| 45,000 UvKv Ges 65,000 UvKv| K‡c©v‡iU K‡ii nvi 40%| fMœve‡kl
K. A_©vqb Kx? 1 g~j¨ 5,000 UvKv Ges cÖviw¤¢K wewb‡qv‡Mi cwigvY 50,000 UvKv| D‡jøL¨
L. †cvU©‡dvwjI bxwZ †Kb MÖnY Kiv nq? e¨vL¨v Ki| 2 †h, my‡hvM e¨‡qi nvi 18%|
M. cÖwZôvbwUi cvwb cwi‡kvabKvix hš¿ µq A_©vq‡bi †Kvb Kvh©vewji K. my‡hvM e¨q Kx? 1
AšÍfz©³? e¨vL¨v Ki| 3 L. ci¯úi eR©bkxj cÖKí ej‡Z Kx †evSvq? e¨vL¨v Ki| 2
N. DÏxc‡K DwjøwLZ cÙv †Kv¤úvwb wj. Gi Kvh©µg A_©vq‡bi †Kvb M. cÙv †Kv¤úvwbi g~jab †diZKvj wbY©q Ki| 3
aviYvi mv‡_ m¤ú„³? we‡kølY Ki| 4 N. Mo Av‡qi nv‡ii (ARR) wfwË‡Z KY©dzjx †Kv¤úvwbi wewb‡qvM
3  Rbve kvnxb Aemi fvZv eve` 2,00,000 UvKv †c‡jb| D³ UvKv wZwb 5 wm×všÍwU g~j¨vqb Ki| 4
eQ‡ii Rb¨ iƒcvjx e¨vsK wj. G Rgv ivL‡j, iƒcvjx e¨vsK wjwg‡UW Zv‡K 9  mygvBqv wmwKDwiwU‡Z wewb‡qv‡M B”QzK| †m evRvi †_‡K 2wU wmwKDwiwUi
3,70,000 UvKv †Ìqvi cÖ¯Íve K‡i| Ab¨w`‡K, †mvbvjx e¨vsK wj. 8 eQ‡ii Z_¨ msMÖn K‡i‡Q| weMZ 3 eQ‡ii Av‡qi nvi wb¤œiƒc :
Rb¨ Rgv ivL‡j, †mvbvjx e¨vsK wj. Zv‡K 5,00,000 UvKv †Ìqvi cÖ¯Íve K‡i| eQi wmwKDwiwU A (Av‡qi nvi) wmwKDwiwU B (Av‡qi nvi)
K. A‡_©i mgqg~j¨ Kx? 1 1 10% 12%
L. Ò72 wewaÓ ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 2 15% 8%
M. DÏxc‡Ki Av‡jv‡K iƒcvjx e¨vsK wj. Gi my‡ì nvi KZ? 3
3 5% 20%
N. Rbve kvnxb my‡ì nv‡ii wfwË‡Z †Kvb e¨vs‡K UvKv Rgv ivL‡j
K. evRvi SzuwK Kx? 1
†ewk jvfevb n‡eb? †Zvgvi gZvgZ `vI| 4
4  wecÖwRZ 5 eQi ci GKwU †gvUimvB‡Kj wKb‡Z B”QzK| 5 eQi ci L. ÒmiKvwi e‡Û wewb‡qvM SzuwK †bBÓ e¨vL¨v Ki| 2
†gvUimvB‡KjwUi evRvig~j¨ n‡e 1,50,000 UvKv| Zvi evev GB j‡ÿ¨ M. wmwKDwiwU A Ges wmwKDwiwU B Gi Mo Av‡qi nvi wbY©q Ki| 3
RbZv e¨vsK wj. G 70,000 UvKv GLb Rgv ivL‡Z Pvq| RbZv e¨vsK wj. N. Dfq wmwKDwiwU‡Z eëavbvsK wbY©q Ki| †Kvb wmwKDwiwU‡Z
12% my` †`q hv gvwmK wfwË‡Z Pµe„w×KiY Ki nq| wewb‡qvM DËg Ges †Kb? 4
K. e„wË Kx? 1 10  wg. mv¾v` †nv‡mb †`‡ki wewfbœ A_©‡bwZK Ae¯’v wPšÍv K‡i `yÕwU ÷‡K
L. Ò69 wewawUÓ eywS‡q †jL| 2 wewb‡qvM Kivi wm×všÍ MÖnY Ki‡jb| wb‡¤œ `yÕwU ÷‡Ki m¤¢vebv web¨vm I
M. DÏxc‡Ki Av‡jv‡K Kvh©Kix my‡ì nvi wbY©q Ki| 3 Av‡qi nvi †Ìqv n‡jv :
N. †gqv` †k‡l wecÖwRZ Kx †gvUimvB‡KjwU wKb‡Z mÿg n‡e? A_©‰bwZK Ae¯’v m¤¢vebv Av‡qi nvi
MvwYwZKfv‡e hyw³ cÖ`k©b Ki| 4 web¨vm ÷K ÔKÕ ÷K ÔLÕ
5  Rbve Rv‡q` Zvi Ajm A_© e‡Û wewb‡qvM Ki‡Z PvB‡Qb| wZwb eÛ evRvi fv‡jv 0.25 20% 15%
AbymÜvb K‡i 2wU eÛ wbe©vPb K‡ib| Dfq e‡Ûi AwfwnZ g~j¨ 1,000 ¯^vfvweK 0.50 30% 35%
UvKv| cÖZ¨vwkZ Av‡qi nvi 10%| eÛ `yÕwUi Z_¨ wb‡P †Ìqv n‡jv : Lvivc 0.25 10% 12%
eÛ Kzcb my‡ì nvi evRvig~j¨ †gqv` cwic° g~j¨ K. †cvU©‡dvwjI Kx? 1
A 12% 1,100 UvKv  1,000 UvKv L. Avq I SzuwKi g‡a¨ Kx ai‡bi m¤úK© i‡q‡Q? e¨vL¨v Ki| 2
B  600 UvKv 12 eQi 1,500 UvKv M. wg. mv¾v` †nv‡m‡bi ÷K ÔLÕ Gi Av`k© wePz¨wZ wbY©q Ki| 3
K. Kzcb eÛ Kx? 1 N. DÏxc‡Ki Av‡jv‡K wg. mv¾v` †nv‡m‡bi †Kvb ÷‡K wewb‡qvM Kiv
L. Kvh©Kix g~jab aviYvwU Av‡jvPbv Ki| 2
DwPZ Ges †Kb? g~j¨vqb Ki| 4
M. A e‡Ûi PjwZ Av‡qi nvi wbY©q Ki| 3
11  wg. k¨vgj nK Rym wjwg‡U‡Wi Avw_©K eë¯’vcK| weMZ eQi cÖwZôvbwU cÖPzi
N. e‡Ûi eZ©gvb g~j¨ we‡ePbvq Rbve Rv‡q‡ì †Kvb e‡Û wewb‡qvM
Kiv DËg? we‡kølY Ki| 4 cwigvY gybvdv AR©b Kivi Kvi‡Y †kqvigvwjK‡ì †ewk K‡i jf¨vsk cÖ`vb
6  hgybv wj. 1 RyjvB 2020 Zvwi‡L 8 eQi †gqvw` eÛ evRv‡i †Q‡o‡Q hvi K‡i| d‡j †Kv¤úvwbi †kqv‡ii evRv‡ii g~j¨ e„w× cvq hv cÖwZôvbwUi g~j
wjwLZ g~j¨ 2,000 UvKv| Kzcb †iU 15%| evwlK wfwË‡Z my` cÖ`vb K‡i jÿ¨ AR©‡bi GKwU wb‡`©kK| wg. k¨vgj AwR©Z gybvdvi GKwU Ask
Ges eÛ †_‡K cÖ‡qvRbxq Avq nvi 16%| Kg©ms¯’vb e„w×i j‡ÿ¨ miKvwi Znwe‡j Rgv †`q| Z‡e cÖwZôv‡bi †eZb
K. †kqvi Kx? 1 wVKg‡Zv cwi‡kva Ki‡Z bv cvivq Kg©x‡ì g‡a¨ Am‡šÍvl †`Lv †`q|
L. gU©‡MR eÛ ej‡Z Kx †evSvq? 2 K. SzuwK-gybvdv bxwZ Kx? 1
M. hgybv wj. Gi e‡Ûi g~j¨ wbY©q Ki| 3 L. m¤ú` me©vwaKiY †Kb GKwU dv‡g©i P‚ovšÍ jÿ¨ wn‡m‡e we‡ewPZ nq? 2
N. hw` Av‡qi nvi e„w× †c‡q 18% nq Ges e‡Ûi evRvig~j¨ 2,400 M. wg. k¨vg‡ji cÖwZôv‡bi A_©vq‡bi ¯îƒc e¨vL¨v Ki| 3
UvKv nq ZLb eÛwU µ‡qi †hŠw³KZv we‡kølY Ki| 4 N. Rbve k¨vg‡ji †ÿ‡Î A_©vq‡bi mvgvwRK `vqe×Zv g~j¨vqb Ki| 4
46 Avb›` †gvnb K‡jR, gqgbwmsn welq †KvW : 2 9 2

1  AiY¨ dvwb©Pvi wj. †Kv¤úvwb weMZ 40 eQi hver evsjv‡`‡k mybv‡gi mv‡_ eëmv evRvig~j¨ 1,100 700
K‡i‡Q| †Kv¤úvwbi eë¯’vcK cÖKvkbv, UwiRg, wi‡qj †÷U BZ¨vw` †ÿ‡Î eëmv e‡Ûi aib Kzcb eÛ wPi¯’vqx eÛ wR‡iv Kzcb eÛ
cÖmvwiZ Kivi wm×všÍ MÖnY K‡i‡Q| GQvovI ¸YMZ gv‡bi cY¨ b¨vh¨g~‡j¨ K. Rv¼ eÛ Kx? 1
mieivn, Kg©x‡ì Kv‡Ri Dchy³ cwi‡ek, wbqwgZ †eZb cwi‡kva, Mwie †gavex L. †kqvi cÖwZ jf¨vsk Kxfv‡e wewb‡qvM wm×všÍ MÖn‡Yi mv‡_ m¤úwK©Z? e¨vL¨v Ki| 2
QvÎQvÎx‡ì e„wË cÖ`vb, e„ÿ‡ivcY Kg©m~wP BZ¨vw` Kvh©µg h_vh_fv‡e K‡i M. ivRy †Kv¤úvwbi e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3
_v‡K| GmKj Kvh©µ‡gi d‡j cÖwZôvbwU †miv cÖwZôv‡bi cyi¯‹vi jvf K‡i| N. †bvgvb I †mvnvM †Kv¤úvwbi g‡a¨ †KvbwU‡Z wewb‡qvM Kiv hyw³hy³
K. ¯^í‡gqvw` m¤ú` eë¯’vcbv Kx? 1 e‡j g‡b Ki? we‡kølY Ki| 4
L. jf¨vsk cÖ`vb Kxfv‡e †Kv¤úvwbi g~j j‡ÿï mv‡_ m¤úwK©Z? e¨vL¨v Ki| 2 7  †i‡bfv †Kv¤úvwbi Avw_©K eë¯’vcK Rbve wnmv‡gi nv‡Z wewb‡qv‡Mi Rb¨ 1,00,000
M. DÏxc‡K †Kv¤úvwbi eë¯’vc‡Ki wm×všÍ A_©vq‡bi †Kvb bxwZi mv‡_ UvKv Av‡Q| wZwb ÔKÕ Ges ÔLÕ bv‡g `ywU ¯^vaxb cÖK‡í wewb‡qv‡Mi wPšÍvfvebv
m¤úwK©Z? e¨vL¨v Ki| 3 K‡i‡Qb| cÖ‡Z¨K cÖK‡íi cÖv_wgK wewb‡qvM 50,000 UvKv| Rbve wnmv‡gi cÖZ¨vwkZ
N. DÏxc‡K DwjøwLZ †Kv¤úvwbi Kvh©µg A_©vq‡bi †Kvb aviYvi mv‡_ Av‡qi nvi 14%| cÖKí `ywUi bM` AvšÍtcÖevn wb‡P †Ìqv n‡jv :
m¤úwK©Z? hyw³mn DËi `vI| 4 bM` AvšÍtcÖevn
2  wg. Rv‡f` gaygwZ wj.-Gi GKRb Avw_©K eë¯’vcK| wZwb `ywU cÖK‡í cÖKí
eQi-1 eQi-2 eQi-3
wewb‡qv‡Mi K_v fve‡Qb| cÖKí `ywU‡Z cÖv_wgK wewb‡qvM 1,75,000 K 25,000 25,000 25,000
UvKv| wb‡¤œ `ywU cÖK‡íi Ki cieZ©x 5 eQ‡ii wbU gybvdv †Ìqv n‡jv : L 29,400 20,400 26,000
eQi cÖKí ÔKÕ cÖKí ÔLÕ ÔKÕ cÖK‡íi wbU eZ©gvb g~j¨ 8,041 UvKv| Rbve wnmvg cÖKí g~j¨vq‡b
UvKv UvKv evÆvK…Z bM` cÖevn c×wZ eënvi K‡ib|
1 1,30,000 10,000 K. g~jab ev‡RwUs Kx? 1
2 50,000 30,000 L. evÆvi nvi e„w× †c‡j wbU eZ©gvb g~‡jï Dci Kx cÖfve co‡e Zv e¨vL¨v Ki| 2
3 40,000 25,000 M. cÖKí ÔKÕ Gi †c-e¨vK mgq wbY©q Ki| 3
4 30,000 30,000 N. Rbve wnmv‡gi wewb‡qvM wm×všÍ g~j¨vqb Ki| 4
5 10,000 1,65,000 8  †MŠwi †Kv¤úvwbi Avw_©K eë¯’vcK Rbve KvRj K, L, I M bv‡g wZbwU ¯^vaxb
†gvU gybvdv 2,60,000 2,60,000 cÖK‡í wewb‡qv‡Mi wPšÍv-fvebv K‡i‡Qb| Rbve KvR‡ji nv‡Z wewb‡qv‡Mi Rb¨
K. Zvij¨ Kx? 1 90,000 UvKv Av‡Q| cÖKí wZbwUi Z_¨vewj wb‡P †Ìqv n‡jv :
L. eëmvq ˆbwZKZv ej‡Z Kx †evSvq? 2 bM` cÖevn
cÖKí
M. wg. Rv‡f` †h `ywU cÖK‡íi K_v fve‡Qb Zv A_©vq‡bi †Kvb eQi-0 eQi-1 eQi-2 eQi-3 eQi-4
Kvh©vewji g‡a¨ c‡o? e¨vL¨v Ki| 3 K (40,000) 15,000 15,000 15,000 15,000
N. hw` wg. Rv‡f` Zvi dv‡g©i m¤ú` me©vwaKiY Ki‡Z Pvq Z‡e DÏxc‡K L (20,000) 10,000 10,000 10,000 10,000
DwjøwLZ `ywU cÖK‡íi g‡a¨ †KvbwU cQ›` Kiv DwPZ? we‡kølY Ki| 4 M (30,000) 12,000 12,000 12,000 12,000
3  Uz¤úv GKwU j¨vcUc µ‡qi wPšÍvfvebv Ki‡Qb, j¨vcUc µq Ki‡Z bM` evÆvi nvi 12%| ÔMÕ cÖK‡íi wbU eZ©gvb g~j¨ 6,448 UvKv| Rbve KvRj
80,000 UvKv cÖ‡qvRb| Uz¤úv j¨vcUc µ‡qi Rb¨ `ywU weK‡íi K_v cÖKí g~j¨vq‡b evÆvK…Z bM` cÖevn c×wZ eënvi K‡ib|
fve‡Qb| cÖ_g weKí n‡jv m¤ú~Y© A_© bM‡` cwi‡kva K‡i †Ìqv, wØZxq K. AvšÍtAvq nvi Kx? 1
weKí n‡jv 60% bM‡` Ges evwK evwl©K 4,600 UvKv wKw¯Í‡Z 10 eQ‡i L. g~jab wbqš¿‡Yi †ÿ‡Î Kxfv‡e wewb‡qvM wm×všÍ MÖnY Kiv nq? e¨vL¨v Ki| 2
cwi‡kva K‡i †Ìqv| G‡ÿ‡Î Uz¤úvi my‡hvM e¨q 12%| M. cÖKí-K Gi †c-e¨vK mgq wbY©q Ki| 3
K. eZ©gvb g~j¨ Kx? 1 N. Rbve KvR‡ji Rb¨ wewb‡qvM wm×všÍ Kx nIqv DwPZ? hyw³mn gZvgZ `vI| 4
L. evÆvi nv‡ii mv‡_ eZ©gvb g~‡jï m¤úK© e¨vL¨v Ki| 2 9  Rbve gvwbK wewb‡qv‡Mi Rb¨ †h `ywU wmwKDwiwU wPwýZ K‡i‡Qb Gi Av‡qi nvi wb¤œiƒc :
M. DÏxc‡K DwjøwLZ Uz¤úv †h evwl©K wKw¯Í cÖ`vb Ki‡eb Zvi eZ©gvb g~j¨ KZ? 3 Av‡qi nvi
N. Uz¤úvi †Kvb weKíwU MÖnY Kiv DwPZ Ges †Kb? 4 eQi
4  wg‡mm †invbv Zvi MÖv‡gi evwo wewµ K‡i 10,00,000 UvKv †cj| D³ UvKv 2010 30% 15%
wZwb GKwU e¨vs‡K 5 eQ‡ii Rb¨ ivLvi wm×všÍ wb‡jb| Zvi wbKU `yÕwU weKí
cÖ¯Íve i‡q‡Q| cÙv e¨vsK Zv‡K 12% nv‡i evwl©K Pµe„w× my` cÖ`vb Ki‡e| 2011 10 5
Ab¨w`‡K †gNbv e¨vsK Zv‡K 10% nv‡i gvwmK Pµe„w× my` cÖ`vb Ki‡e| 2012 20 25
K. evwl©K e„wË Kx? 1 bvwRqv †Kv¤úvwbi weUvi gvb 1.8| †UªRvwi we‡ji Av‡qi nvi 9%| evRvi Av‡qi nvi 18%|
L. A‡_©i mgqg~‡jï aviYv e¨vL¨v Ki| 2 K. Avw_©K SzuwK Kx? 1
M. †gqv` †k‡l wg‡mm †invbv cÙv e¨vsK n‡Z †gvU KZ UvKv cv‡eb Zv wbY©q Ki| 3 L. evRvi SzuwK †Kb cwinvi Kiv hvq bv? e¨vL¨v Ki| 2
N. wg‡mm †invbvi Rb¨ †Kvb e¨vs‡K UvKv ivLv jvfRbK n‡e? we‡kølY Ki| 4 M. bvwRqv †Kv¤úvwbi cÖ‡qvRbxq Av‡qi nvi wbY©q Ki| 3
5  Rbve AvwZK GKRb e¨vsKvi| wZwb wewfbœ †Kv¤úvwbi †kqvi I e‡Û wewb‡qvM N. †Kvb wmwKDwiwU Rbve gvwb‡Ki wewb‡qv‡Mi Rb¨ DËg? MvwYwZKfv‡e e¨vL¨v Ki| 4
Ki‡Z Pvb| wb‡¤œ wewfbœ †Kv¤úvwb KZ…©K Bmy¨K…Z e‡Ûi weeiY †Ìqv n‡jv : 10  Rbve kvgxg †kqvi evRv‡i wewb‡qvM Ki‡Z Pvb| wb‡¤œ `yÕwU ÷‡Ki m¤¢vebv
1. gaygwZ nvDwRs †Kv¤úvwb cÖwZwU 3,000 UvKv g~‡jï 7 eQi †gqvw` I Av‡qi nvi †Ìqv n‡jv :
eÛ Bmy¨ K‡i‡Q| Kzcb †iU 12%| cÖ‡qvRbxq Av‡qi nvi 14%| my` ÷K-A ÷K-B
Aa©evwl©K wfwË‡Z cwi‡kva Kiv nq| Av‡qi nvi m¤¢vebv Av‡qi nvi m¤¢vebv
2. B÷vb© nvDwRs †Kv¤úvwb cÖwZwU 3,000 UvKv g~‡jï wPi¯’vqx eÛ Bmy¨ 10% .30 13% .10
K‡i‡Q| Kzcb †iU 12% Ges cÖ‡qvRbxq Av‡qi nvi 14%| eZ©gvb 14% .40 15% .20
evRvig~j¨ 2,800 UvKv| 8% .20 20% .40
3. myigv nvDwRs †Kv¤úvwb cÖwZwU 3,000 UvKv g~‡jï wR‡iv Kzcb eÛ 5% .10 25% .30
Bmy¨ K‡i‡Q| †gqv`Kvj 7 eQi| cÖ‡qvRbxq Av‡qi nvi 14%| eZ©gvb K. wewbgq nvi SzuwK Kx? 1
evRvig~j¨ 1,100 UvKv| L. evRvi Av‡qi nvi e„w×i d‡j cÖ‡qvRbxq Av‡qi nv‡ii Dci Kx cÖfve co‡e? 2
K. Kzcb †iU Kx? 1 M. ÷K A I ÷K B Gi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
L. evÆvi nv‡ii mv‡_ e‡Ûi g~‡jï m¤úK© e¨vL¨v Ki| 2 N. Rbve kvgx‡gi †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv DwPZ? hyw³mn DËi `vI| 4
M. gaygwZ nvDwRs †Kv¤úvwbi e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3 11  Rbve Av‡Zvqvi G‡MÖv dzW †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb Zvi cÖwZôv‡bi Rb¨
N. B÷vb© I myigv nvDwRs †Kv¤úvwbi g‡a¨ Rbve AvwZ‡Ki †Kvb GKwU †gwkb µ‡qi K_v fve‡Qb| cÖ‡Z¨K eª¨v‡Ûi †gwk‡bi µqg~j¨ 20,000
†Kv¤úvwbi e‡Û wewb‡qvM Kiv DwPZ Zv g~j¨vqb Ki| 4 UvKv| ÔKÕ eª¨v‡Ûi †gwkb µq Ki‡j AvMvgx 3 eQ‡i bM` AvšÍtcÖevn 10,000
6  mv¾v` mv‡ne m¤úÖwZ PvKwi †_‡K Aemi †M‡Qb| wZwb Zvi †cbkb n‡Z UvKv| Ab¨w`‡K, ÔLÕ eª¨v‡Ûi †gwkb µq Ki‡j AvMvgx 3 eQ‡i bM` AvšÍtcÖevn
cÖvß UvKvi wKQy Ask cyuwRevRv‡i wewb‡qvM Ki‡Z AvMÖnx| ZvB wZwb n‡e h_vµ‡g 15,000 UvKv, 12,000 UvKv I 8,000 UvKv| Rbve Av‡Zvqvi
†Kv¤úvwbmg~‡ni eÛ wb‡q wePvi-we‡kølY Ki‡Qb : cÖKí g~j¨vq‡b evÆvK…Z bM` cÖevn c×wZ eënvi K‡ib| evÆvi nvi 10%|
weeiY †bvgvb †Kv¤úvwb †mvnvM †Kv¤úvwb ivRy †Kv¤úvwb K. ¯^vaxb cÖKí Kx? 1
wjwLZ g~j¨ 1,000 UvKv 1,000 UvKv 2,000 UvKv L. wbU eZ©gvb g~j¨ c×wZ‡Z Kxfv‡e cÖKí g~j¨vqb Kiv nq? e¨vL¨v Ki| 2
Kzcb my‡ì nvi 10% 12% M. ÔKÕ eª¨v‡Ûi †gwkb µq Ki‡j KZ mg‡qi g‡a¨ g~jab †diZ cvIqv hv‡e? 3
cÖZ¨vwkZ Av‡qi nvi 8% 15% 10% N. Rbve Av‡Zvqv‡ii wewb‡qvM wm×všÍ Kx nIqv DwPZ? hyw³mn DËi `vI| 4
kxl©¯’vbxq K‡j‡Ri †U÷ cixÿvi cÖkœcÎ

I DËigvjv : eûwbe©vPwb
47 gwZwSj g‡Wj ¯‹zj GÛ K‡jR, XvKv welq †KvW : 2 9 2
[we‡kl `ªóe¨ : mieivnK…Z eûwbe©vPwb Afxÿvi DËic‡Î cÖ‡kœi µwgK b¤^‡ii wecix‡Z cÖ`Ë eY©msewjZ e„Ëmg~n n‡Z mwVK/ m‡e©vrK…ó DË‡ii e„ËwU
ej c‡q›U Kjg Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|]
1. evRvi SzuwKi gvb 1.50, SzuwKgy³ Av‡qi nvi 10. wmwKDwiwU Y-Gi we‡f`v¼ †KvbwU? 21. miKvwi A_©vq‡bi g~j jÿ¨ Kx?
6% Ges evRvi Av‡qi nvi 12% n‡j †Kv‡bv K 100% L 150% K mvgvwRK Kj¨vY L gybvdv AR©b
wmwKDwiwUi cÖZ¨vwkZ Av‡qi nvi KZ? M 167% N 170% M eëmv‡qi mvdj¨
K 9% L 12% M 15% N 27% 11. wmwKDwiwU Y n‡jv N m¤ú‡ì mwVK eënvi
2. †cvU©‡dvwjI MV‡bi g~j D‡Ïk¨ Kx? i. AwaK SzuwKc~Y©  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI :
K SzuwK eÈb L gybvdv n«vm ii. Kg SzuwKc~Y© wg. Avjx †gNbv e¨vsK wj.-Gi GKwU w¯‹‡g
M g~jab e„w× N wewb‡qvM e„w× iii. AwaK Avqhy³ 2,00,000 UvKv Rgv ivL‡jb| †gNbv
3. g~jab ev‡RwUs-Gi mxgve×Zv n‡jv wb‡Pi †KvbwU mwVK? e¨vsK GB w¯‹‡g 5 eQ‡ii 10% nv‡i
i. AwbðqZv K i I ii L i I iii M ii I iii N i, ii I iii Pµe„w× my` cÖ`vb K‡ib|
ii. g~jab e¨q cwieZ©b 12. A_©‰bwZK g›`vi Kvi‡Y †h SzuwK m„wó nq 22. wg. Avjxi e¨vs‡K RgvK…Z UvKv‡K †Kvb
iii. Avw_©K weeiYx Zv‡K Kx e‡j? ai‡bi bM` cÖev‡ni AšÍfz©³ Kiv nq?
wb‡Pi †KvbwU mwVK? K Avw_©K SzuwK L Zvij¨ SzuwK K mvaviY evwl©K e„wË
K i I ii L i I iii M ii I iii N i, ii I iii M eëmvq SzuwK N evRvi SzuwK L AwMÖg evwl©K e„wË
4. evRvi SzuwKi Av`k© gvb KZ? 13. eZ©gv‡b evwl©K 8% my‡ì nv‡i 10 jÿ UvKv M GKKvjxb bM` cÖevn
K0 L 0.10 M 1.0 N 1.5 e¨vs‡K Rgv ivL‡j KZ eQ‡i Zv wØ¸Y n‡e? N wgkÖ bM` cÖevn
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : K 8 eQi L 9 eQi 23. wg. Avjx 5 eQi †k‡l KZ UvKv cv‡eb?
wg. Avjxg GKwU cÖK‡í wewb‡qvM Ki‡Z M 10 eQi N 12 eQi K 3,00,000 UvKv L 3,02,102 UvKv
Pvb hvi cwigvY 1,00,000 UvKv| D³ 14. wewb‡qvMK…Z A‡_©i eZ©gvb g~j¨ I fwel¨r M 3,20,000 UvKv N 3,22,102 UvKv
wewb‡qvM †_‡K AvMvgx 5 eQi hver evwl©K g~j¨ KLb mgvb n‡e? 24. wewb‡qvM cwi‡kvaKvj (PBP) wbY©‡qi m~Î †KvbwU?
bM` cÖevn cvIqv hv‡e h_vµ‡g 20,000 K †gqv`Kvj k~b¨ n‡j NCO
UvKv, 30,000 UvKv, 40,000 UvKv, L †gqv`Kvj 1 eQi n‡j K PBP =
NCB
40,000 UvKv Ges 24,000 UvKv| M my‡ì nvi 1% n‡j NCB
5. Z…Zxq eQ‡i cÖKíwUi µg‡hvwRZ bM`vb N evwl©K Pµe„w×i msL¨v 1 n‡j L PBP =
NCO
cÖevn KZ? 15. †h evÆvi nv‡i evÆvKiY Ki‡j †Kv‡bv cÖK‡íi M PBP = NCO  NCB
K 40,000 UvKv L 80,000 UvKv bM` AvšÍtcÖevn I bM` ewntcÖev‡ni eZ©gvb N PBP = NCO  NCB
M 90,000 UvKv N 93,000 UvKv g~j¨ ci¯úi mgvb nq Zv‡K Kx e‡j? 25. SzuwK n‡jv
6. cÖKíwUi PBP KZ? K Mo Av‡qi nvi i. cwigvc‡hvM¨
K 3 eQi L 3.25 eQi L Af¨šÍixY Av‡qi nvi ii. Drcv`b
M 4 eQi N 4.25 eQi M wewb‡qv‡Mi Dci Av‡qi nvi iii. cwinvi‡hvM¨
7. FY cwi‡kva m~wP‡Z cÖ`k©b Kiv nq N KicieZ©x Av‡qi nvi wb‡Pi †KvbwU mwVK?
i. my‡ì cwigvY 16. Zvij¨ e„w× †c‡j K i I ii L i I iii M ii I iii N i, ii I iii
ii. wKw¯Íi cwigvY K SzuwK ev‡o L `vq ev‡o 26. g~jab ev‡RwUs‡qi †Kvb †KŠk‡j evÆvi
iii. Avm‡ji cwigvY M gybvdv K‡g N gybvdv ev‡o nvi c~e©wba©vwiZ _v‡K?
wb‡Pi †KvbwU mwVK? 17. CAPM-Gi c~Yi© ƒc Kx? K †c-e¨vK wcwiqW/wewb‡qv‡Mi cwi‡kvaKvj
K i I ii L i I iii M ii I iii N i, ii I iii K Capital Asset Pricing Model L Mo gybvdvi nvi
8. g~jab ev‡RwUs-Gi †Kvb †KŠkjwU A‡_©i L Capital Asset Product Method M Af¨šÍixY Av‡qi nvi
mgqg~j¨ we‡ePbv K‡i bv? M Capital Asset Product Model
N Capital Asset Pricing Method N wbU eZ©gvb g~j¨
K †c-e¨vK mgq 27. A‡_© i mgqg~j¨ wba©viY ewnf‚©Z †KvbwU?
L wbU eZ©gvb g~j¨
18. SzuwK cwigv‡ci c×wZ n‡jv
i. Av`k© wePz¨wZ K mgq L my‡ì nvi
M Af¨šÍixY Av‡qi nvi M A‡_©i cwigvY N weµ‡qi cwigvY
ii. m¤¢vebv web¨vm
N gybvdv AR©b m~PK 28. GKwU dv‡g©i g~j jÿ¨ Kx?
iii. we‡f`v¼
9. A‡_©i mgq cQ›`bxqZvi KviY n‡jv wb‡Pi †KvbwU mwVK? K gybvdv me©vwaKiY L m¤ú` me©vwaKiY
i. †fvM M weµq me©vwaKiY N µq me©vwaKiY
ii. AwbðqZv 29. Sz uwK I gybvdvi g‡a¨ m¤úK© Kxiƒc?
iii. evRvi g~jab 19. g~jab ev‡RwUs-Gi avcmg~n n‡jv
i. cÖ K í D™¢ v eb K wecixZ L mij‰iwLK
wb‡Pi †KvbwU mwVK? M mgvbycvwZK N AvbycvwZK
K i I ii L i I iii M ii I iii N i, ii I iii ii. cÖ K í g~ j ¨vqb
iii. g~jab wbqš¿Y 30. A_©vq‡bi Kvh©vewj n‡”Q
 DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : i. Znwej eÈb
weeiY wmwKDwiwU X wmwKDwiwU Y K i I ii L i I iii M ii I iii N i, ii I iii ii. Znwej msMÖn
cÖZvwkZ Avq 10% 15% 20. A‡_©i eZ©gvb g~j¨ wbY©q Kivi cÖwµqv‡K Kx e‡j? iii. g~jab ev‡RwUs wm×všÍ
cwiwgZ eëavb 15% 25% K Pµe„w×KiY L fwel¨r g~j¨ wb‡Pi †KvbwU mwVK?
we‡f`v¼ 150% ? M evÆvKiY N eZ©gvb g~j¨ K i I ii L i I iii M ii I iii N i, ii I iii
1 M 2 K 3 K 4 M 5 M 6 L 7 N 8 K 9 K 10 M 11 L 12 N 13 L 14 K 15 L
16 M 17 K 18 N 19 K 20 M 21 K 22 M 23 N 24 K 25 L 26 N 27 N 28 L 29 L 30 N
48 XvKv Bgwcwiqvj K‡jR welq †KvW : 2 9 2

1. †cvU©‡dvwjI wewb‡qv‡Mi D‡Ïk¨ n‡jv 12. Kvh©Kix my‡ì nvi wbY©‡q †Kvb wel‡qi  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI :
K gybvdv e„w× L SzuwK n«vm cÖfve mgš^q Kiv nq? hgybv wj. Gi GKwU cÖK‡í wewb‡qv‡Mi my‡hvM
M weµq e„w× N Drcv`b e„w× K gy`ªvùxwZ L †gqv`Kvj Av‡Q| cÖK‡íi cÖv_wgK e¨q 80,000 UvKv|
2. GKwU dv‡g©i cÖavb jÿ¨ nIqv DwPZ M Pµe„w×i msL¨v N AePq cÖK‡íi †gqv` 4 eQi| cÖKí †_‡K cÖ_g wZb
K m¤ú` me©vwaKiY L gybvdv me©vwaKiY  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : eQ‡ii cÖwZeQi bM` AvšÍtcÖevn 40,000
M g~jab e„w× N weµq e„w× Rbve nvwee GKwU wµ‡KU g¨v‡P Ôg¨vb Ae UvKv Ges 4_© eQi †k‡l µg‡hvwRZ bM`
 DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : w` g¨vPÕ wbe©vwPZ n‡q 50,000 UvKv cyi¯‹vi AvšÍtcÖevn 2,00,000 UvKv| Pvi eQ‡ii
Glv G›UvicÖvBR AwaK gybvdvi cÖZ¨vkvq cvb| wZwb D³ UvKv KY©dzjx e¨vs‡K GKwU †gvU Ki cieZ©x wbU Avq 80,000 UvKv|
cÖwZôv‡bi AwaKvsk A_© GKwU cÖK‡í ¯’vqx wn‡m‡e Rgv iv‡Lb| KY©dzjx e¨vs‡Ki 22. cÖKíwUi 4_© eQ‡ii bM` AvšÍtcÖevn KZ?
wewb‡qvM Ki‡jb| wKQyw`b ci cvIbv`viM‡Yi G w¯‹‡g 6 eQ‡i UvKv wØ¸Y nq| K 20,000 UvKv L 40,000 UvKv
cvIbv cwi‡kv‡a e¨_© n‡q cÖwZôvbwU Av¯’v 13. Rbve nvwee KZ…©K KY©dzjx e¨vs‡K RgvK…Z A_©
msK‡U c‡o †Mj| cÖwZôvbwUi c‡ÿ eëmvwqK M 80,000 UvKv N 1,20,000 UvKv
†Kvb ai‡bi bM` cÖev‡ni AvIZvq Avm‡e?
Kvh©µg cwiPvjbv Kiv `yiƒn n‡q DVj| K GKKvjxb bM` cÖevn
23. cÖ K íwUi Mo DcvR© b nvi KZ?
3. Glv G›UvicÖvBR A_©vq‡bi †Kvb bxwZ K 20% L 25% M 40% N 50%
L wgkÖ bM` cÖevn
j•Nb K‡i‡Q? M Amgvb bM` cÖevn N AwMÖg evwl©K e„wË 24. †Kvb c×wZ‡Z evÆvK…Z bM` cÖevn cÖ‡qvRb
K Zvij¨ I gybvdv L SzuwK I gybvdv 14. wewa-72 Abyhvqx Rbve nvwe‡ei G cÖK‡í nq bv?
M †cvU©‡dvwjI N Dchy³Zvi my‡ì nvi KZ? K Mo gybvdv nvi c×wZ
4. Glv G›UvicÖvB‡Ri msKU DËi‡Yi ZvrÿwYK K 12.56% L 12.00% L Af¨šÍixY gybvdv nvi c×wZ
Dcvq n‡jv M 11.85% N 11.00% M wbU eZ©gvb g~j¨ c×wZ
K †kqvi Bmy¨ N gybvdv AR©b ÿgZvi m~PK c×wZ
15. k~b¨ Kzcb e‡Ûi êwkó¨ n‡jv
L FYcÎ wewµ Kiv 25. GKwU †gwk‡bi µqg~j¨ 80,000 UvKv|
i. wjwLZ g~‡j¨ weµq Kiv
M ¯^í‡gqvw` FY MÖnY hvi cuvP eQi Avqy®‹vj †k‡l fMœve‡kl
ii. Kg g~‡j¨ weµq Kiv
N AMÖvwaKvi †kqvi Bmy¨ g~j¨ n‡e 10,000 UvKv| Mo g~jab KZ?
iii. my‡ì nvi bv _vKv
5. mvgwóK A_©‰bwZK Dbœq‡b A_©vq‡bi K 80,000 UvKv L 45,000 UvKv
c‡ivÿ f‚wgKv¸‡jv n‡jv M 40,000 UvKv N 35,000 UvKv
i. miKv‡ii ivR¯^ e„w×
16. evsjv‡`‡ki †kqvievRv‡i cÖ f ve we¯Í viKvix 26. CAPM Abyhvqx cÖZ¨vwkZ Av‡qi nvi
ii. g~jab e¨q n«vm
Dcv`vbmg~n n‡jv wbY©‡qi m~Î †KvbwU?
iii. NvUwZ cÿ I DØ„Ë c‡ÿi g‡a¨ mgš^q mvab
¸Re K E(R) = Rf + (Rm  Rf) 
wb‡Pi †KvbwU mwVK? i.
ii. wewb‡qvMKvix‡ì AvPiY L E(R) = Rm + (Rf  Rm) 
M E(R) = Rf  (Rf + Rm) 
6. AewÈZ gybvdv †Kvb A_©vqb †_‡K Kiv nq? iii. miKvwi bxwZi cwieZ© b
N E(R) = Rf + (Rf + Rm) 
K evwn¨K A_©vqb L e¨w³MZ A_©vqb wb‡Pi †KvbwU mwVK?
M Af¨šÍixY A_©vqb N cÖvwZôvwbK A_©vqb K i I ii L i I iii M ii I iii N i, ii I iii
27. †Kv¤úvwb SzuwK m„wói KviY n‡jv
7. eëmv‡q ch©vß cwigvY A_© nv‡Z ivLvi KviY Kx? 17. wb‡Pi †Kvb †kqvi‡nvìvi‡ì †fvwUs ivBU i‡q‡Q? i. A`ÿ eë¯’vcbv
K Zvij¨ msKU †gvKvwejv Kiv K cvwU©wm‡cwUs †kqvi L AMÖvwaKvi †kqvi ii. kÖwgK ag©NU
L fwel¨r µqKvh© m¤úv`bv Kiv M iƒcvšÍ‡hvM¨ †kqvi N mvaviY †kqvi iii. KuvPvgv‡ji Ach©vßZv
M AwZwi³ wewb‡qvM Kiv 18. FYMÖnxZv †Kvb eÛ cybtµq K‡i e‡Ûi wb‡Pi †KvbwU mwVK?
N eëmv‡qi m”QjZv cÖKvk Kiv Aemvqb NUv‡Z cv‡ib? K i I ii L i I iii M ii I iii N i, ii I iii
8. mgq †iLv KqwU cÖvšÍwe›`y cÖ`k©b K‡i? K BbKvg eÛ L Kj eÛ 28. SzuwKc~Y© wewb‡qv‡Mi gva¨‡g cÖvß AwZwi³
K5 L4 M3 N2 M wbewÜZ eÛ N cyU eÛ Avq‡K Kx ejv nq?
9. wewb‡qvMK…Z A‡_©i eZ©gvb g~j¨ I fwel¨r K SzuwK Avq L SzuwK wcÖwgqvg
19. ÷K ej‡Z eywS
g~j¨ KLb mgvb n‡e? M Sz w
u K gy bvdv N wewb‡qvM Avq
K cÖwZwU GK‡Ki g~j¨ mgvb
K †gqv`Kvj k~b¨ n‡j
L cÖwZwU GK‡Ki g~j¨ wfbœ  DÏxcKwU c‡o 29bs cÖ‡kœi DËi `vI :
L †gqv`Kvj 1 eQi n‡j
M my‡ì nvi 1% n‡j M cÖwZwU GK‡Ki g~j¨ wbw`©ó Ry‡qj †iW †U·UvBj wj. Gi cÖwZwU
N evwl©K Pµe„w×i msL¨v 1 n‡j N cÖ w ZwU GK‡Ki g~ j ¨ Awbw`© ó †kqvi 70 UvKvq µq K‡ib Ges Zv 90
20. BKz ¨ BwU g~ j a‡bi D`vniY †KvbwU? UvKvq weµq K‡ib| wZwb †kqvicÖwZ 2
Rbve mygb 12% my‡` 5,000 UvKv ABC i. FY g~jab UvKv K‡i jf¨vsk †c‡q‡Qb|
e¨vs‡K 5 eQ‡ii Rb¨ Rgv iv‡Lb| ii. mvaviY †kqvi g~ j ab 29. DÏxc‡K DwjøwLZ Ry‡q‡ji †gvU Av‡qi nvi KZ?
10. ABC e¨vs‡Ki mij my‡ì cwigvY KZ UvKv? iii. AMÖvwaKvi †kqvi g~jab K 22.22% L 24.44%
K 3,000 L 3,500 wb‡Pi †KvbwU mwVK? M 28.57% N 31.43%
M 4,000 N 4,200 K i I ii L i I iii M ii I iii N i, ii I iii 30. A_© ‰ bwZK g›`vi Kvi‡Y †h SzuwK m„wó nq
11. Rbve mygb my`-Avm‡j KZ UvKv cv‡eb? 21. mywbw`©ó RvgvbZhy³ A_©vqb †KvbwU? Zv‡K Kx e‡j?
K 7,000 L 7,500 K eÛ L FYcÎ K Avw_©K SzuwK L Zvij¨ SzuwK
M 8,000 N 8,500 M AMÖvwaKvi †kqvi N mvaviY †kqvi M evRvi SzuwK N eëmvq SzuwK
1 L 2 K 3 K 4 M 5 L 6 M 7 K 8 N 9 K 10 K 11 M 12 M 13 K 14 L 15 M
16 N 17 N 18 L 19 K 20 M 21 K 22 M 23 N 24 K 25 L 26 K 27 N 28 L 29 N 30 M
49 mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi welq †KvW : 2 9 2

1. wb‡Pi †KvbwU A_©vq‡bi cÖ_g KvR? 10. A¨vbyBwUi fwel¨r g~j¨ n«vm cv‡e 20. KicieZ©x wbU gybvdvi mv‡_ wb‡Pi †KvbwU
K Znwej msMÖn L g~jab ev‡RwUs i. my‡ì nvi e„w× †c‡j †hvM Ki‡j bM` AvšÍtcÖevn cvIqv hv‡e?
M ¯^í‡gqvw` m¤ú` eë¯’vcbv ii. e„wËi cwigvY n«vm †c‡j K AvqKi L gRy` cY¨
N Znwej eÈb iii. mgq n«vm †c‡j M AePq N fMœve‡kl
2. J. B. William KZ mv‡j g~j¨vqb m¤ú‡K© wb‡Pi †KvbwU mwVK? 21. g~jab ev‡RwUs-Gi †Kvb c×wZ‡K
aviY †`b? K i I ii L i I iii wnmveweÁv‡b DcvR©b nvi ejv nq?
K PBP L ARR
K 1920 L 1925 M ii I iii N i, ii I iii
M NPV N IRR
M 1930 N 1938  DÏxcKwU c‡o 11bs cÖ‡kœi DËi `vI : 22. cÖK‡íi AMÖvwaKv‡ii wfwË‡Z g~jab eivÏ
3. miKvwi A_©vq‡b cÖ_‡g wb‡Pi †KvbwU 50 eQi eq‡m PvKwiRxex Rbve AvwZK †Ìqv n‡j Zv‡K Kx e‡j?
wba©viY Kiv nq? fwel¨‡Zi Rb¨ wPšÍv K‡i eQ‡i 6,000 K g~jab ev‡RwUs L g~jab wbqš¿Y
K Avq L ivR¯^ e¨q UvKv K‡i 10% Pµe„w× my‡` Rgv‡bvi M e¨q wbqš¿Y N Avq wbqš¿Y
M e¨q N Dbœqb e¨q wm×všÍ wb‡jb| 23. evÆvK…Z bM` cÖevn we‡ePbvq †KvbwU
4. mvgwóK A_©bxwZ‡Z NvUwZ GKK n‡jv 11. 60 eQi c‡i Rbve AvwZK †gvU KZ UvKv cv‡eb? Av‡qi nv‡ii cÖavb we‡eP¨ welq?
i. Drcv`K K 90,650 L 92,625 K IRR L NPV
M 95,625 N 98,250 M PBP N ARR
ii. eëmvq dvg©
12. A‡_©i mgqg~j¨ wba©vi‡Yi g~j KviY †KvbwU? 24. GKwU cÖ K ‡íi RxebKvj 10 eQi| D³
iii. †fv³vMY cÖ K ‡íi Mo wbU gy b vdv 20,000 UvKv
K my‡ì nvi L gy`ªv bxwZ
wb‡Pi †KvbwU mwVK? Ges Mo wewb‡qvM 50,000 UvKv| Zvn‡j
M Zvij¨ N gybvdv
K i I ii L i I iii M ii I iii N i, ii I iii Mo gybvdvi nvi KZ?
13. †h evRv‡i †kqvi wewµi cÖ_g cÖ¯Íve
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : †Ìqv nq Zv‡K Kx e‡j? K 20% L 30%
Rbve BKevj GKwU dv‡g©i Avw_©K K gva¨wgK evRvi L cÖv_wgK evRvi M 40% N 50%
eë¯’vcK| †m me©`vB Ggb GKwU jÿ M AvšÍR©vwZK evRvi N A_© evRvi
25. wb‡Pi †Kvb Sz w
u Ki Dci †Kv¤úvwbi wbqš¿Y
AR©‡bi †Póv Ki‡Q †hwU dv‡g©i Avq I 14. †h e‡Ûi †gqv` Amxg Zv‡K Kx e‡j? _v‡K bv?
e¨‡qi eëavb‡K me©vwaK Kivi cÖwZ K eëmvwqK SzuwK L evRvi SzuwK
K wR‡iv Kzcb eÛ L Zje eÛ
¸iæZ¡v‡ivc K‡i| M Avw_©K SzuwK N GKK SzuwK
M wPi¯’vqx eÛ N Kj eÛ
5. Rbve BKev‡ji AbymiY Kiv jÿ¨‡K 15. g~jab evRvi n‡Z †Kvb ai‡bi A_©vqb Kiv nq? 26. wewb‡qvM I gy b vdvi nv‡ii g‡a¨ Kx ai‡bi
m¤úK© we`¨gvb?
A_©vq‡bi fvlvq ejv nq K ¯^í‡gqvw` L ga¨‡gqvw`
K abvZ¥K L FYvZ¥K
K `vq me©vwaKiY L e¨q me©vwaKiY M `xN©‡gqvw` N ¯^í I ga¨‡gqvw`
M wbi‡cÿ N AvbycvwZK
M gybvdv me©vwaKiY N m¤ú` me©vwaKiY 16. `xN©‡gqvw` A_©vq‡bi Af¨šÍixY Drm Kx? 27. weUvi gvb e„w× †c‡j wb‡Pi †KvbwU e„w× cv‡e?
6. Rbve BKev‡ji AbymiYK…Z j‡ÿï K mvaviY †kqvi L FYcÎ
K cÖ‡qvRbxq Av‡qi nvi
mxgve×Zv wb‡Pi †KvbwU we‡ePbv bv Kiv? M msiwÿZ Avq N AMÖvwaKvi †kqvi
L Avw_©K SzuwK
i. A‡_©i mgqg~j¨ 17. GKwU wR‡iv Kzcb e‡Ûi AwfwnZ g~j¨ M †gvU gybvdvi nvi N Zvij¨ SzuwK
ii. mKj bM` cÖevn
1,000 UvKv, †gqv` 6 eQi Ges my‡hvM e¨q 28. XYZ †Kv¤úvwbi SzuwK wcÖwgqvg 15%|
iii. SzuwK
12% n‡j e‡Ûi AšÍwb©wnZ g~j¨ KZ UvKv? SzuwKgy³ Av‡qi nvi 10%| cÖ‡qvRbxq
K 130 L 167
wb‡Pi †KvbwU mwVK? Av‡qi nvi KZ?
M 257 N 507 K 20% L 22%
K i I ii L i I iii
 DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI : M 25% N 5%
M ii I iii N i, ii I iii
wg. nvwme GKwU cÖK‡í 1,20,000 UvKv 29. wewb‡qvM wm×všÍ MÖn‡Yi mgq we‡ePbv
7. fwel¨r g~j¨ wbY©q Kivi c×wZ‡K Kx e‡j?
wewb‡qvM Ki‡jb, hv †_‡K AvMvgx 5 eQi hver Ki‡Z nq
K Pµe„w×KiY L evÆvKiY
evwl©K bM` AvšÍtcÖevn cvIqv hv‡e h_vµ‡g i. SzuwK
M fwel¨r g~j¨ N Pµe„w× my`
16,000 UvKv, 24,000 UvKv, 50,000 UvKv, ii. gybvdvi nvi
8. my‡ì nvi 10% n‡j AvR‡Ki 100 UvKv 2 40,000 UvKv Ges 42,000 UvKv| iii. Li‡Pi cwigvY
eQi c‡i KZ UvKvi mgvb g~j¨ enb K‡i? 18. cÖKíwUi 3q eQ‡i µg‡hvwRZ bM` cÖevn
K 100 UvKv L 110 UvKv KZ n‡e? K i I ii L i I iii
M 120 UvKv N 121 UvKv K 40,000 UvKv L 50,000 UvKv M ii I iii N i, ii I iii
9. Amxg mg‡qi Rb¨ mgcwigvY bM` M 80,000 UvKv N 90,000 UvKv 30. Av`k© wePz¨wZ‡K Mo gybvdvi nvi Øviv fvM
cÖev‡ni cÖvwß ev cÖ`vb‡K Kx e‡j? 19. cÖKíwUi †c-e¨vK mgq KZ n‡e? Ki‡j wb‡Pi †KvbwU cvIqv hv‡e?
K eZ©gvb g~j¨ L fwel¨r g~j¨ K 3 eQi 6 gvm L 3 eQi 9 gvm K we‡f`v¼ L Mo eëavb
M A¨vbyBwU N wPi¯’vqx g~j¨ M 4 eQi 2 gvm N 4 eQi 5 gvm M m¤¢vebv web¨vm N weUvmnM
1 K 2 N 3 M 4 K 5 M 6 N 7 K 8 N 9 N 10 M 11 M 12 K 13 L 14 M 15 M
16 M 17 N 18 N 19 L 20 M 21 L 22 L 23 K 24 M 25 L 26 K 27 K 28 M 29 K 30 K
50 Lyjbv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

1. Rbve †mwjg †cbk‡bi 2,00,000 UvKv 11. GKwU †Kv¤úvwb wb‡Pi †Kvb c×wZi 19. cÖKíwUi 3q eQ‡i µg‡hvwRZ bM` cÖevn
8% my‡` 5 eQ‡ii Rb¨ Rgv K‡ib| cÖwZ gva¨‡g gybvdv e„w× Ki‡Z cv‡i? KZ n‡e?
eQi wZwb 50,094 UvKv cv‡eb| G‡ÿ‡Î K e¨q Kwg‡q K 40,000 UvKv L 50,000 UvKv
†Kvb m~ÎwU Kvh©Ki? L bM` cÖevn n«vm K‡i M 80,000 UvKv N 90,000 UvKv
K 72 wewa L mvaviY A¨vbyBwU M †kqv‡ii g~j¨ e„w× K‡i 20. cÖKíwUi †c-e¨vK mgq KZ n‡e?
M Kvh©Kix my` N AwMÖg A¨vbyBwU K 3 eQi 6 gvm L 3 eQi 9 gvm
N jf¨vsk Kwg‡q
M 4 eQi 2 gvm N 4 eQi 5 gvm
2. GKwU wewb‡qvM cÖK‡í ÿwZ n‡j Ab¨ cÖK‡íi 12. m¤ú` me©vwaKi‡Yi †ÿ‡Î we‡ePbv Kiv nq
gybvdv w`‡q ÿwZ cywl‡q †bIqv hvq? 21. Ku v Pvgv‡ji g~ j ¨ Kg‡j I evo‡j eëmv‡q
i. bM` cÖev‡ni mgqg~j¨ †Kvb SzuwKi m„wó nq?
K Zvij¨ bxwZ L gybvdvi bxwZ ii. wbU bM` cÖev‡ni ¸YMZ w`K K eëmv‡q SzuwK L Avw_©K SzuwK
M êwPÎ¨vq‡bi bxwZ N SzuwKi bxwZ iii. wbU bM` cÖev‡ni msL¨vMZ w`K M Zvij¨ SzuwK N evRvi SzuwK
3. †Kv¤úvwbi Ki‡hvM¨ Avq Kgv‡bvi Rb¨ wb‡Pi †KvbwU mwVK? 22. SzuwK wba©vi‡Yi Rb¨ cÖ‡qvRb
Kic~e© gybvdv †_‡K †KvbwU ev` †Ìqv nq? K i I ii L i I iii M ii I iii N i, ii I iii i. HwZnvwmK Z_v
K AePq L †`bv`vi
13. wb‡Pi †KvbwU g~jab ev‡RwUs wm×všÍ? ii. fwel¨r we‡kølY
M gRyZcY¨ N Ki
K gRyZ cY¨ µq L miÄvg µq iii. MvwYwZK Ávb
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : M KuvPvgvj µq N R¡vjvwb µq wb‡Pi †KvbwU mwVK?
wg. iIkb AMÖYx e¨vsK †_‡K wKQy UvKv 14. †h‡ÿ‡Î GKwU cÖKí evwZj Ki‡j AciwU K i I ii L i I iii M ii I iii N i, ii I iii
FY wb‡qwQ‡jb| AvMvgx 5 eQi D³ UvKv Aek¨B evwZj Ki‡Z n‡e Zv‡K Kx e‡j? 23. †Kv‡bv cÖK‡í cÖZ¨vwkZ Avq 13%, Av`k©
cÖwZ eQ‡ii ïiæ‡Z mgcwigvY 10,000 K ¯^vaxb cÖKí wePz¨wZ 34%, we‡f`v¼ KZ?
UvKv K‡i cwi‡kva K‡ib| K 162.53% L 621.53%
L wbf©ikxj cÖKí
4. hw` e¨vs‡Ki my‡ì nvi 10% nq Zvn‡j M 261.53% N 267.53%
M cwic~iK cÖKí
wg. iIkb AMÖYx e¨vsK †_‡K KZ UvKv 24. †Kvb wmwKDwiwUi †eUv k~b¨?
N ci¯úi eR©bkxj cÖKí
FY wb‡qwQ‡jb? K †UªRvwi eÛ L K‡c©v‡iU eÛ
15. weUv mnM Øviv Kx †evSvq? M evwYwR¨K cÎ N AMÖvwaKvi †kqvi
K 41,700 L 50,000
K SzuwKi gvÎv L Av‡qi gvÎv 25. eZ©gv‡b evwl©K 9% my‡ì nv‡i 10,00,000 UvKv
M 32,222 N 76,990
M e¨‡qi gvÎv N gybvdv e¨vs‡K Rgv ivL‡j KZ eQ‡i Zv wØ¸Y n‡e?
5. wg. iIkb KZ…K © cÖ`Ë wKw¯Í Kx ai‡bi?
16. wewb‡qvM cÖKí hvPvBKv‡j †Kvb c×wZ‡Z K5 L8
K mvaviY evwl©K wKw¯Í
evÆvi nvi we‡ePbv Kiv nq? M 10 N 12
L bgbxq evwl©K wKw¯Í
K cwi‡kvaKvj c×wZ 26. GKwU †Kv¤úvwbi gybvdvi Av`k© wePz¨wZ 15%
M AwMÖg evwl©K wKw¯Í
L Mo DcvR©b nvi c×wZ Ges Mo gybvdv 8% n‡j, we‡f`v¼ KZ?
N Abgbxq evwl©K wKw¯Í
M wewb‡qvM DcvR©b nvi c×wZ K 1.88% L 2.25%
6. evRvi Av‡qi nvi 11% Ges SzuwKwenxb M 2.50% N 2.88%
N wbU eZ©gvb g~j¨ c×wZ
Av‡qi nvi 7%| evRvi SzuwK 1.5 n‡j,
17. g~jab ev‡RwUs Gi mgm¨v †KvbwU?  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
cÖZ¨vwkZ Av‡qi nvi KZ?
K AwbwðZ fwel¨r SzuwK iwdK GKRb mvaviY PvKwiRxex| wZwb
K 10% L 11%
L ch©vß Z_v Zvi mwÂZ A‡_©i 1,00,000 UvKv K
M 12% N 13%
M g~ja‡bi ¯^íZv N A`ÿ eë¯’vcbv e¨vs‡Ki mÂqx w¯‹‡g Rgv ivL‡Z Pvb|
7. CAPM g‡Wj †K D™¢veb K‡ib? 18. †Kv‡bv cÖwZôv‡bi wbU gybvdv 1,00,000 e¨vs‡Ki GB w¯‹‡g 5 eQ‡i UvKv wØ¸Y nq|
K DBwjqvg kvc© L _gvm Gj MÖxb
UvKv| AePq 50,000 UvKv| AvmevecÎ 27. iwd‡Ki K e¨vs‡K RgvK…Z UvKv †Kvb
M ievU© gU©b N †h WR©vb ai‡bi bM` cÖev‡ni AšÍfz©³?
µq 1,00,000 UvKv, KuvPvgvj µq
8. Rf = 9%,  = 1.1, Rm = 12.60%, nq K mvaviY evwl©K e„wË L AweiZ evwl©K e„wË
20,000 UvKv, F‡Yi my` 20,000 UvKv|
CAPM g‡Wj Abyhvqx g~jab e¨q KZ? M GKKvjxb bM` cÖevn
H cÖwZôv‡bi bM` cÖevn KZ?
K 12% L 12.60% N wgkÖ bM` cÖevn
K 20,000 UvKv L 30,000 UvKv
M 12.96% N 13.60% 28. iwd‡Ki GB w¯‹‡gi my‡ì nvi KZ?
M 40,000 UvKv N 50,000 UvKv
9. miKvwi A_©vq‡bi cÖ_g KvR †KvbwU? K 14.40% L 15.35%
 DÏxcKwU c‡o 19 I 20bs cÖ‡kœi DËi `vI : M 15.87% N 20%
K Avq L e¨q
M †`kR Drcv`b N RvZxq Avq wg. wmnve GKwU jvfRbK cÖK‡í 29. †cvU©‡dvwjI wewb‡qv‡Mi D‡Ïk¨ Kx?
10. Pvqbv †Kv¤úvwb CERC evsjv‡`k miKv‡ii 1,20,000 UvKv wewb‡qvM Ki‡jb, hv K SzuwK n«vm L weµq e„w×
AbygwZmv‡c‡ÿ GKwU †ijI‡q cÖK‡í KvR †_‡K AvMvgx 5 eQi hveZ evwl©K bM` M gybvdv e„w× N Drcv`b e„w×
Ki‡Q| GwU †Kvb ai‡bi A_©vqb? AvšÍtcÖevn cvIqv hv‡e h_vµ‡g 16,000 30. miKvwi A_©vqb Kxiƒc nq?
K Af¨šÍixY A_©vqb L evwn¨K A_©vqb UvKv, 24,000 UvKv, 50,000 UvKv, K e¨q  Avq L e¨q = Avq
M e¨w³MZ A_©vqb N AvšÍR©vwZK A_©vqb 40,000 UvKv Ges 42,000 UvKv| M e¨q  Avq N e¨q  Avq
1 L 2 M 3 N 4 K 5 M 6 N 7 K 8 M 9 L 10 N 11 K 12 N 13 L 14 N 15 K
16 N 17 K 18 L 19 N 20 L 21 K 22 K 23 M 24 K 25 L 26 K 27 M 28 K 29 K 30 K
51 Kzwgjøv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

 DÏxcKwU c‡o 1 I 2bs cÖ‡kœi DËi `vI : 10. AvRgj †mvbvjx e¨vsK †_‡K 6 gv‡mi Rb¨ 20. †gqvw` my‡ì nv‡ii m~ÎwU n‡jv
wg. iIkb AMÖYx e¨vsK †_‡K wKQy UvKv FY MÖnY Ki‡jb| GwU †Kvb ai‡bi A_©vqb? inom i
K iper = L iper =
FY wb‡qwQ‡jb| AvMvgx 5 er‡mi D³ K ¯^í‡gqvw` L `xN©‡gqvw` m m
UvKv cÖwZ eQ‡ii ïiæ‡Z mgcwigvY M ga¨‡gqvw` N ¯’vqx m m
M iper = N iper =
inom 1+i
10,000 UvKv K‡i cwi‡kva K‡ib|  DÏxcKwU c‡o 11 I 12bs cÖ ‡ kœ i DËi `vI :
1. hw` e¨vs‡Ki my‡ì nvi 10% nq, Zvn‡j AvRgj G›UvicÖvBR `xN©w`b hver eëmvq 21. Aa©evwl©K Pµe„w×Ki‡Yi †ÿ‡Î m Gi gvb
wg. iIkb AMÖYx e¨vsK †_‡K KZ UvKv cwiPvjbv K‡i Avm‡Q| bZzb GKwU cY¨ n‡jv
Drcv`‡bi Rb¨ A_©vq‡bi K_v fve‡Q| K3 L2
FY wb‡qwQ‡jb?
11. `xN©‡ gqvw` A_© v q‡bi †gqv` me© w b¤œ KZ eQi? M1 N4
K 41,700 UvKv L 50,000 UvKv
K 4 eQi L 5 eQi 22. ˆÎgvwmK my ‡ì nvi 4.5% n‡j mgZzj¨
M 32,222 UvKv N 76,990 UvKv
M 8 eQi N 10 eQi evwl© K my ‡ì nvi KZ?
2. wg. iIkb KZ…K © cÖ`Ë wKw¯Í Kx ai‡bi?
12. `xN©‡gqvw` A_©ms¯’vb Ki‡eb †Kb? K 15% L 18%
K mvaviY evwl©K wKw¯Í
K Awd‡mi AvmevecÎ µ‡qi Rb¨ M 19% N 23.5%
L bgbxq evwl©K wKw¯Í L f‚wg I hš¿cvwZ µ‡qi Rb¨
M AwMÖg evwl©K wKw¯Í
23. mij my ` I Pµe„ w × my‡ì g‡a¨ †Kvb
M weÁvcb cÖPv‡ii Rb¨
N Abgbxq evwl©K wKw¯Í
c×wZ‡Z †gvU my ` †ewk n‡q _v‡K?
N †eZb cÖ`v‡bi Rb¨
3. Pµe„w×Ki‡Yi †ÿ‡Î cÖ_g eQ‡ii my`vmj 13. dv‡g©i `„wó‡KvY †_‡K me©v‡cÿv SzuwKc~Y© K mij c×wZ L Pµe„w× c×wZ
wØZxq eQ‡ii Kx wn‡m‡e MY¨ n‡e? M Dfq c×wZ N †Kv‡bvwUB bq
g~ja‡bi Dcv`vb n‡”Q
K my` L Avmj K FY L AMÖvwaKvi †kqvi  DÏxcKwU c‡o 24 I 25bs cÖ‡kœi DËi `vI :
M gybvdv N ÿwZ M msiwÿZ Avq N mvaviY †kqvi iwdK fwel¨‡Z GKwU j¨vcUc µ‡qi Rb¨
4. wPi¯’vqx e„wË‡Z Awbw`©ó _v‡K †KvbwU? 14. dv‡g©i ¯’vqx m¤úwË AR©b I wewb‡qv‡Mi A_© mÂq ¯‹x‡g cÖwZ gv‡mi †k‡l 500
K A_© cÖev‡ni cwigvY D‡Ï‡k¨ msM„nxZ A_©vqb n‡q _v‡K UvKv K‡i Rgv †Ìqvi wm×všÍ wbj|
L A_© cÖev‡ni mgq eëavb K ¯^í‡gqvw` Drm n‡Z AvMvgx wZb eQi ch©šÍ †m GB gvwmK
M A_© cÖev‡ni me©‡kl mgqmxgv L ga¨‡gqvw` Drm n‡Z mÂq w¯‹gwU cwiPvjbv Ki‡e|
N my‡ì nvi M `xN©‡gqvw` Drm n‡Z 24. wKw¯Í cÖ`v‡bi wbqgwU †Kvb ai‡bi?
5. FY cwi‡kva m~wP‡Z cÖ`k©b Kiv nq N PjwZ g~jab n‡Z K AwMÖg e„wË L mvaviY e„wË
i. my‡ì cwigvY 15. AMÖvwaKvi †kqvi‡nvìv‡ii mxgve×Zv n‡”Q M AvbycvwZK e„wË N wØ¸Y e„wË
ii. wKw¯Íi cwigvY i. cwiPvjbvq 25. Av‡jvwPZ e„wËwU‡K wPi¯’vqx e„wË ejv hv‡e
ii. †fvUvwaKvi bv KviY
iii. Avm‡ji cwigvY
iii. g~jab †di‡Z
wb‡Pi †KvbwU mwVK? K cÖwZ gv‡m wKw¯Í †Ìqv hv‡e
K i I ii L i I iii M ii I iii N i, ii I iii L gvÎ 500 UvKvi wKw¯Í †Ìqv n‡e
 DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : M wZb eQi ch©šÍ wKw¯Í †Ìqv n‡e
16. GK eQ‡ii †ewk wKš‘ `k eQ‡ii Kg mg‡qi
gvP© 1 Zvwi‡L wg. †mv‡nj 2/10 wbU k‡Z© Rb¨ †h A_©vqb Kiv nq, Zv‡K Kx ejv nq? N e¨w³MZ m¤úwËi Rb¨ wKw¯Í †Ìqv n‡e
40,000 UvKvi cY¨ µq K‡ib| wZwb gvP© K †gqvw` A_©vqb 26. gv‡K©U weUvi Av`k© gvb KZ?
6 Zvwi‡L g~j¨ cwi‡kva K‡ib| L ga¨‡gqvw` A_©vqb K0 L1
6. wg. †mv‡nj KZ UvKv cwi‡kva Ki‡eb? M AšÍe©Z©xKvjxb A_©vqb M2 N3
K 39,200 UvKv L 40,200 UvKv N ¯^í‡gqvw` A_©vqb 27. Avq I SzuwKi g‡a¨ m¤úK©
M 40,000 UvKv N 50,000 UvKv 17. Dr‡mi wfwË‡Z A_©vqb Kq ai‡bi n‡q _v‡K? K mggyLx L wecixZgyLx
7. wg. †mv‡nj KZ UvKv evÆv cv‡e? K GK L `yB M cuvP N Qq M FYvZ¥K N †Kv‡bvwUB bq
K 600 UvKv L 700 UvKv 18. eëmvq cÖwZôv‡b Zvij¨ e„w× Kivi Rb¨ 28. †h SzuwK we‡kl †Kv‡bv †Kv¤úvwbi ev
M 800 UvKv N 900 UvKv Kx Kiv n‡q _v‡K? eëmvq cÖwZôv‡bi mv‡_ RwoZ _v‡K
i. av‡i wewµ †_‡K Av`v‡qi mgq n«vm
8. PjwZ m¤ú‡` wewb‡qvM h‡_ó cwigvY bv n‡j K †Kv¤úvwb SzuwK L Avw_©K SzuwK
ii. Drcv`‡bi mgq n«vm
i. Drcv`b wewNœZ nq M Zvij¨ SzuwK N evRvi SzuwK
iii. mnRk‡Z© ¯^í‡gqvw` FY MÖnY
ii. Zvij¨ e„w× cvq 29. g~ j ab e¨‡qi mv‡_ wbU eZ© gvb g~‡jï m¤úK©
iii. †`DwjqvZ¡ SzuwK e„w× cvq K i I ii L i I iii M ii I iii N i, ii I iii K mggy L x L wecixZgyLx
wb‡Pi †KvbwU mwVK? 19. 14% Pµe„w× my‡ì nv‡i 6 eQi ci M FYvZ¥K N †Kv‡bvwUB bq
K i I ii L i I iii M ii I iii N i, ii I iii 12,000 UvKv †c‡Z n‡j †Zvgv‡K AvR‡K 30. †Kvb wmwKDwiwU‡K ksKi RvZxq
9. †UªRvwi eÛ Bmy¨Kvix †K? KZ UvKv wewb‡qvM Ki‡Z n‡e? wmwKDwiwU ejv nq?
K wmwU K‡c©v‡ikb L miKvi K 6,457.40 UvKv L 6,057.04 UvKv K mvaviY †kqvi L AMÖvwaKvi †kqvi
M evwYwR¨K e¨vsK N †Kv¤úvwb M 5,467.04 UvKv N 6,467.04 UvKv M FY N †Kv‡bvwUB bq
1 K 2 M 3 L 4 M 5 N 6 K 7 M 8 L 9 L 10 K 11 L 12 L 13 N 14 M 15 K
16 L 17 L 18 N 19 M 20 K 21 L 22 L 23 L 24 L 25 M 26 L 27 K 28 K 29 M 30 L
52 we G Gd kvnxb K‡jR, PÆMÖvg welq †KvW : 2 9 2

1. eÛ mvaviYZ †Kvb g~‡j¨ µq-weµq nq? 12. †h‡ÿ‡Î GKwU cÖKí MÖnY Ki‡j AciwU  DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI :
K Pjgvb g~‡j¨ L evRvi g~‡j¨ Aek¨B evwZj Ki‡Z n‡e Zv‡K Kx e‡j? cvi‡fR Zvi GK eÜyi KvQ †_‡K wKQy
M LuvwU g~‡j¨ N wjwLZ g~‡j¨ K ¯^vaxb cÖKí L wbf©ikxj cÖKí UvKv 5 eQ‡ii Rb¨ FY Ki‡Z Pv‡”Q| hvi
2. †h e‡Û my‡ì nvi D‡jøL _v‡K bv, Zv‡K M cwic~iK cÖKí kZ© wn‡m‡e Zvi eÜy‡K GKKvjxb
Kx e‡j? N ci¯úi eR©bkxj cÖKí 1,00,000 UvKv A_ev cÖwZ eQi †k‡l
K wR‡iv Kzcb eÛ L Amxg eÛ
13. g~ j ab ev‡RwUs cÖ ‡ qvM Kiv nq 26,000 UvKv cÖ`vb Ki‡Z ivwR Av‡Q|
M Rv¼ eÛ N Avq eÛ
i. m¤ú` cÖ w Z¯’ v c‡bi †ÿ‡Î eZ©gvb evRvi my‡ì nvi 15%|
3. miKvwi A_©vq‡b me©v‡MÖ we‡eP¨ welq †KvbwU?
K Avq L e¨q ii. Zvij¨ e„w×i †ÿ‡Î 21. cvi‡fR cÖwZ eQi †k‡l †h UvKv cÖ`vb
M mÂq N wewb‡qvM iii. ¯’vqx m¤ú` µ‡qi †ÿ‡Î K‡i †mUv †Kvb ai‡bi evwl©K e„wË?
wb‡Pi †KvbwU mwVK? K wPi¯’vqx evwl©K e„wË L mvaviY evwl©K e„wË
4. eëmvq A_©vq‡bi cÖavb Av‡jvP¨ welq n‡jv
K I L I M I N I M AwMÖg evwl©K e„wË N wejw¤^Z evwl©K e„wË
i. †Kvb Drm n‡Z Znwej msMÖn i ii i iii ii iii i, ii iii
ii. †Kvb †ÿ‡Î Kx cwigvY wewb‡qvM  DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI :
22. cvi‡fR GKKvjxb 1,00,000 UvKv Zvi
iii. g~jab evRv‡ii Ae¯’v we‡kølY A I B cÖK‡í wewb‡qv‡Mi Rb¨ †d«k wj.-Gi
eÜy‡K cÖ`vb Ki‡j Zvi fwel¨r g~j¨ KZ n‡e?
wb‡Pi †KvbwU mwVK? K 2,01,136 UvKv L 2,55,000 UvKv
Znwe‡ji cwigvY 1,00,000 UvKv| A
K i I ii L i I iii M ii I iii N i, ii I iii M 2,75,000 UvKv N 2,85,000 UvKv
cÖK‡íi cÖv_wgK wewb‡qvM 60,000 UvKv Ges
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : 23. Sz uwK I cÖZ¨vwkZ Av‡qi nv‡ii g‡a¨ Kxiƒc
fMœve‡kl g~j¨ 20,000 UvKv| Ab¨w`‡K B
xyz GKwU ¯^bvgab¨ cÖwZôvb| H cÖwZôv‡bi m¤úK© we`¨gvb?
cÖK‡íi cÖv_wgK wewb‡qvM 50,000 UvKv|
Drcv`b KviLvbvi mwVK eR©¨ eë¯’vcbvi K wb¤œgyLx L mgvbycvwZK
cÖKí `ywUi Ab¨vb¨ Znwej wb¤œiƒc :
Afv‡e GjvKvi K…wl cwi‡ek gvivÍKfv‡e M abvZ¥K N FYvZ¥K
cÖKí †c-e¨vK mgq wbU eZ©gvb g~j¨ 24. †KvbwU Abv`vq SzuwKgy³ wewb‡qvM?
ÿwZMÖ¯Í n‡”Q| wbwa GB cÖwZôv‡b Kg©iZ| A 4 eQi 10,520 UvKv K 8% my‡` miKvwi mÂqcÎ µq
wbwai cÖwZôvbwU †kqvicÖwZ Avq e„w×i w`‡K
†ewk g‡bv‡hvMx|
B 3.5 eQi 23,250 UvKv L 10% my‡` e¨vsK Rgv
5. DÏxc‡Ki cÖwZôvbwU †Kvb eëmvwqK †Kv¤úvwb KZ…©K MÖnY‡hvM¨ m‡e©v”P †c-e¨vK M 14% my‡` Kzcb eÛ µq
g~j¨‡eva‡K e¨vnZ K‡i‡Q? 4 eQi| N 10% my‡` †kqvi µq
K ˆbwZKZv L mZZv 14. A cÖK‡íi Mo wewb‡qvM KZ? 25. SzuwKgy³ wmwKDwiwU ej‡Z Kx †evSvq?
M mvgvwRK `vqe×Zv N AvB‡bi kvmb K 30,000 UvKv L 40,000 UvKv K mvaviY †kqvi L AMÖvwaKvi †kqvi
6. wbwai AbymiY Kiv jÿ¨‡K A_©vq‡bi M 55,000 UvKv N 65,000 UvKv M †UªRvwi eÛ N K‡c©v‡iU eÛ
fvlvq Kx ejv nq? 15. †d«k wj. Gi 26. SzuwKi Rb¨ Acwinvh© †KvbwU?
K `vq me©wb¤œKiY L e¨q me©wb¤œKiY K eëmvwqK Ávb L AbygvbwfwËK Ávb
K A cÖKí MÖnY Kiv DwPZ KviY Gi
M gybvdv me©vwaKiY N m¤ú` me©vwaKiY M ev¯ÍewfwËK Ávb N MvwYwZK Ávb
†c-e¨vK mgq †ewk
7. Kxfv‡e Kviev‡ii SzuwK Gov‡bv m¤¢e? 27. †gvU SzuwK n‡Z mvgwMÖK evRvi SzuwK ev`
L B cÖKí MÖnY Kiv DwPZ KviY Gi
K A_©‰bwZK Ae¯’v Abyaveb K‡i w`‡j †h SzuwK cvIqv hvq Zv‡K Kx e‡j?
L SzuwK ¯’vbvšÍi K‡i
wbU eZ© g vb g~ j ¨ †ewk
M A I B Dfq cÖKí MÖnY Kiv DwPZ K evRvi SzuwK L cwinvi‡hvM¨ SzuwK
M wbivcËvg~jK eë¯’v MÖnY K‡i M Avw_©K SzuwK N eëmvwqK SzuwK
N Kvievwi †RvU MVb K‡i N ch©vß g~jab bv _vKvq †Kv‡bv cÖKíB
MÖnY Kiv DwPZ bv 28. wmwKDwiwU ÔKÕ-Gi Av‡qi nvi 16% Ges
8. ¯’vqx m¤úwË †Kbvi Rb¨ wewb‡qvM wmwKDwiwU ÔLÕ-Gi Av‡qi nvi 14%|
wm×všÍ‡K Kx e‡j? 16. mgq †iLv KqwU cÖ v šÍ w e›`y cÖ ` k© b K‡i?
wmwKDwiwU ÔKÕ-†Z 40% Ges ÔLÕ-†Z
K bM` ewntcÖevn L g~jab ev‡RwUs K5 L4 M3 N2
60% wewb‡qvM Ki‡j †cvU©‡dvwjI Av‡qi
M cÖKí wbe©vPb N g~jab KvVv‡gv 17. cvwÿK Pµe„w×i †ÿ‡Î ÔmÕ Gi gvb KZ?
nvi KZ n‡e?
9. wb‡Pi †KvbwU GKwU dv‡g©i Avw_©K SzuwK m„wó K‡i? K6 L 12 M 13 N 24
K 14% L 14.80%
K eÛ Bmy¨ L †kqvi Bmy¨ 18. A¨vbyBwUi êwkó¨ n‡jv M 18.80% N 15%
M eÛ cwi‡kva N cÖhyw³i cwieZ©b i. mgcwigvY bM` A‡_©i cÖvwß ev cÖ`vb 29. wbw`©ó Avq cÖZ¨vkx wewb‡qvMKvix‡ì
10. ÷K ej‡Z Kx eywS? ii. mg‡qi eëavb GKB nIqv
K cÖwZwU GK‡Ki g~j¨ mgvb wewb‡qvM Kiv DwPZ
iii. bM` cÖevn GK eQi ci ci NU‡e i. mvaviY †kqvi
L cÖwZwU GK‡Ki g~j¨ wfbœ
wb‡Pi †KvbwU mwVK? ii. AMÖvwaKvi †kqvi
M cÖwZwU GK‡Ki g~j¨ wbw`©ó
K i I ii L i I iii M ii I iii N i, ii I iii iii. Kzcb e‡Û
N cÖwZwU GK‡Ki g~j¨ Awbw`©ó
11. †Kv‡bv cÖwZôv‡bi wbU gybvdv 1,00,000 19. evwl© K wKw¯Í i fwel¨r g~ j ¨ 50,000 UvKv, wb‡Pi †KvbwU mwVK?
UvKv| AePq 50,000 UvKv, AvmevecÎ my‡ì nvi 6% Ges †gqv`Kvj 5 eQi K i I ii L i I iii M ii I iii N i, ii I iii
µq 1,00,000 UvKv, KuvPvgvj µq n‡j evwl©K wKw¯Íi cwigvY KZ? 30. cÖZ¨vwkZ Av‡qi nvi Kzcb my‡ì nvi
20,000 UvKv, F‡Yi my` 20,000 UvKv| K 8,750 UvKv L 8,870 UvKv †_‡K †ewk n‡j e‡Ûi g~j¨ AwfwnZ g~j¨
H cÖwZôv‡bi bM` cÖevn KZ? M 8,970 UvKv N 8,990 UvKv †_‡K Kx n‡e?
K 20,000 UvKv L 30,000 UvKv 20. gvwmK Pµe„w×i †ÿ‡Î m-Gi gvb KZ? K Kg L mgvb
M 40,000 UvKv N 50,000 UvKv K 12 L6 M4 N2 M AcwiewZ©Z N †ewk n‡e
1 N 2 K 3 L 4 K 5 M 6 M 7 L 8 L 9 K 10 K 11 L 12 N 13 L 14 L 15 L
16 N 17 N 18 K 19 L 20 K 21 L 22 K 23 M 24 K 25 M 26 L 27 L 28 L 29 M 30 K
53 wm‡jU K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR welq †KvW : 2 9 2

1. eëmv‡qi Rxebxkw³ Kx? 11. g~jab ev‡RwUs-Gi mgm¨v †KvbwU?  DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI :
K cwiKíbv L cÖKí K AwbwðZ fwel¨r L SzuwK I ch©vß Z_¨ evejv GKwU bZzb cÖK‡í wewb‡qvM Kivi K_v
M A_© N Rbej M g~ja‡bi ¯^íZv N A`ÿ eë¯’vcbv fve‡Q| wZwb Avw_©K eë¯’vcK Rbve
2. cwi‡ek `~lYgy³ ivLv A_©vq‡bi †Kvb 12. †c-e¨vK c×wZ g~jZ Kx? iwdK‡K cÖK‡íi jvfRbKZv wePvi Kivi
welqwUi AšÍfz©³? K jv‡fi nvi L mgqKvj `vwqZ¡ w`‡jb| Rbve iwdK wewb‡qv‡Mi c‡ÿ
K mvgvwRK `vqe×Zv mycvwik Ki‡jb Ges wbwðZ Ki‡jb 3
M gybvdvi nvi N †diZ nvi
L gybvdvmsµvšÍ `vqe×Zv eQ‡ii g‡a¨ wewb‡qvMK…Z A_© †diZ Avm‡e|
M weµqmsµvšÍ `vqe×Zv  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : 21. Rbve iwdK †Kvb c×wZwU eënvi K‡i
N SzuwKmsµvšÍ `vqe×Zv kwdK mv‡ne PviwU ci¯úi eR©bkxj wewb‡qv‡Mi c‡ÿ mycvwik Ki‡jb?
3. msiwÿZ gybvdv mvaviYZ †Kvb Kv‡R cÖKí MÖnY K‡ib| cÖKí¸‡jvi NPV K AvšÍtAvq nvi L wbU eZ©gvb g~j¨
eënvi Kiv nq? h_vµ‡g 15,000 UvKv, 12,200 UvKv, M †c-e¨vK mgq N Mo gybvdvi nvi
K `vq cwi‡kv‡a L jf¨vsk cÖ`v‡b 8,400 UvKv I 7,000 UvKv| 22. Rbve iwdK †h c×wZwU eënvi K‡i‡Q
M Kg©x‡ì †eZb cÖ`v‡b 13. kwdK mv‡ne KqwU cÖKí MÖnY Ki‡Z cv‡ib? Zvi mxgve×Zv n‡jv
N cÖwZôvb m¤úÖmvi‡Yi Kv‡R K1 L2 i. GwU A‡_©i mgqg~j¨ we‡ePbv K‡i bv
4. miKvwi A_©ms¯’v‡bi jÿ¨ n‡jv M 3 N 4 ii. GwU bM` cÖevn we‡ePbv K‡i bv
i. Avq-e¨q wbqš¿Y 14. kwdK mv‡n‡ei †Kvb cÖKíwU MÖnY Kiv DwPZ? iii. GwU cÖv_wgK wewb‡qvM we‡ePbv K‡i bv
ii. Avw_©K bxwZi ev¯Íevqb wb‡Pi †KvbwU mwVK?
K 1g L 2q
iii. g~j¨¯Í‡ii fvimvg¨ eRvq ivLv M 3q N 4_©
wb‡Pi †KvbwU mwVK? 23. wmwKDwiwU A-Gi evRvi Av‡qi nvi 12%
15. cÖK‡íi MÖnY-eR©b wm×v‡šÍi †ÿ‡Î Ges cÖ‡qvRbxq Av‡qi nvi 15%|
i. MÖnY‡hvM¨, hw` IRR  ke SzuwKgy³ Av‡qi nvi 8%| wmwKDwiwUi
5. GKvwaK cÖK‡í wewb‡qvM Kiv nq Kx Kvi‡Y?
ii. MÖnY‡hvM¨, hw` NPV  o weUvi gvb KZ n‡e?
K AwaK jv‡fi Rb¨
iii. MÖnY‡hvM¨, hw` IRR = ke K 0.85 L 1.15
L Zvij¨ msiÿ‡Yi Rb¨
wb‡Pi †KvbwU mwVK? M 1.75 N 1.95
M SzuwK eÈ‡bi Rb¨
K i I ii L i I iii M ii I iii N i, ii I iii 24. GKwU †Kv¤úvwbi Av`k© wePz¨wZ 15% Ges
N SzuwK Gov‡bvi Rb¨
16. hw` †Kv‡bv cÖK‡íi me AvšÍtcÖev‡ni Mo gybvdv 8% n‡j we‡f`v¼ KZ?
 DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : K 1.88% L 2.25%
Kgvm© dzW wj. mgv‡Ri gvby‡li Pvwn`vi eZ©gvb g~‡jï †hvMdj †_‡K bM`
M 2.50% N 2.88%
cÖwZ jÿ †i‡L ¯^í e¨‡q gvbm¤§Z Lvevi ewntcÖev‡ni eZ©gvb g~j¨ ev` †Ìqv nq 25. GKvwaK cÖK‡íi SzuwK mgš^q Kiv nq
mvgMÖx evRv‡i †cuŠ‡Q †`q| djkÖæwZ‡Z ZLb Kx cvIqv hvq? †Kvb SzuwKi gva¨‡g?
cÖwZôvbwU m‡e©v”P gybvdv Kivi †PóvI K‡i K Mo Av‡qi nvi L wbU eZ©gvb g~j¨ K †cvU©‡dvwjI
Ges Zv‡Z mdjI nq| M AvšÍtAv‡qi nvi N †c-e¨vK mgq L †cvU©‡dvwjI SzuwK
6. Kgvm© dzW wj.-Gi gybvdv e„w×i †Póv‡K Kx 17. g~jab wbqš¿‡Yi Aci bvg Kx? M †cvU©‡dvwjI Avq
e‡j? K g~jab ev‡RwUs L g~jab †ikwbs N †cvU©‡dvwjI we‡b‡qvM
K m¤ú` me©vwaKiY L gybvdv mgZvqb M g~jab e¨q N g~jab ch©vßZv 26. CAPM-g‡W‡ji KZ ai‡bi SzuwK we‡ePbv nq?
M gybvdv me©vwaKiY N Znwej e„w×KiY 18. g~jab ev‡RwUs-Gi D‡Ïk¨ n‡jv K1 L2
7. Kgvm© dzW wj.-Gi Kg©KvÐ¸‡jv M 3 N4
i. m¤úÖmviY
i. `ÿZvi gvb`Ð wn‡m‡e we‡ewPZ nq 27. cÖ w Z GKK Sz w
u Ki cÖ Z ¨vwkZ Avq Kx?
ii. cybt¯’vcb K we‡f`v¼ L cwiwgZ eëavb
ii. m¤ú‡ì myôz eënvi Kiv
iii. AvaywbKxKiY M mn-†f`v¼ N weUv
iii. mvgvwRK Kj¨vY mvwaZ nq
wb‡Pi †KvbwU mwVK? 28. wewb‡qvMKvix †Kvb Sz w
u K wbqš¿Y Ki‡Z cv‡i?
K i I ii L i I iii M ii I iii N i, ii I iii K Avw_©K SzuwK L eëmvq SzuwK
19. wb‡Pi †Kvb KvRwU g~jab ev‡RwUsewnf‚©Z? M evRvi SzuwK N c×wZMZ SzuwK
8. cÖwZ eQ‡ii cÖZ¨vwkZ †gvU gybvdv‡K †gvU 29. Awdm LiP, wegv LiP cwi‡kv‡a e¨_©Zv‡K
K Kviev‡ii Rb¨ KuvPvgvj µq
eQi msL¨v Øviv fvM Ki‡j Kx cvIqv hvq? Kx ejv nq?
K Mo wbU gybvdv L Mo Av‡qi nvi L m¤úwË cybt¯’vcb
K eëmvq SzuwK L Avw_©K SzuwK
M AvšÍtAv‡qi nvi N †c-e¨vK mgq M m¤úwË AvaywbKvqb
M g~ja‡bi mxgve×Zv
9. g~jab ev‡RwUs-Gi me‡P‡q eo mxgve×Zv N e¨qmvq m¤úÖmviY
N cwiPvjbvq Aeë¯’vcbv
†KvbwU? 20. GKwU wewb‡qvM †ÿ‡Î 2,40,000 UvKv
30. SzuwKi Drm¸‡jv n‡jv
K evÆvi nvi L cÖK‡íi SzuwK wewb‡qvM K‡i AvMvgx 5 eQ‡i cÖwZ eQi i. A_©‰bwZK AwbðqZv
M ch©vß Z‡_ï Afve N wm×všÍ MÖnY 60,000 UvKv K‡i cvIqv hv‡e, G‡ÿ‡Î ii. cÖvK…wZK AwbðqZv
10. 10% evÆv nv‡i NPV k~b¨ n‡j IRR KZ n‡e? cwi‡kvaKvj KZ n‡e? iii. gvbexq AwbðqZv
K 5% L 10% K 2 eQi L 4 eQi wb‡Pi †KvbwU mwVK?
M 0% N †Kv‡bvwUB bq M 20 eQi N 40 eQi K i I ii L i I iii M ii I iii N i, ii I iii
1 M 2 K 3 N 4 N 5 M 6 M 7 N 8 K 9 K 10 L 11 K 12 L 13 K 14 K 15 K
16 L 17 L 18 N 19 K 20 L 21 M 22 K 23 M 24 K 25 L 26 K 27 K 28 M 29 K 30 N
54 Ag„Z jvj †` gnvwe`¨vjq, ewikvj welq †KvW : 2 9 2

1. evÆvKiY ej‡Z Kx †evSvq? 11. Z…Zxq eQ‡i cÖKíwUi µg‡hvwRZ bM` 21. kwd‡Ki GKvwaK Lvgv‡i wewb‡qv‡Mi d‡j
K evÆv wbY©‡qi c×wZ cÖevn KZ n‡e? i. SzuwK Kg n‡q‡Q
L Kvievwi evÆvq cY¨ wewµ K 1,36,000 UvKv L 96,000 UvKv ii. jvf †ewk n‡q‡Q
M bM` evÆvq cY¨ wewµ M 60,000 UvKv N 36,000 UvKv
iii. Lvgvi cwiKíbv mnR n‡q‡Q
N eZ©gvb g~j¨ wbY©‡qi c×wZ 12. cÖKíwUi †c-e¨vK mgq KZ?
2. †cvU©‡dvwjI wewb‡qv‡Mi D‡Ïk¨ n‡jv K 4.4 eQi L 4.1 eQi
K gybvdv e„w× L SzuwK n«vm M 4.0 eQi N 3.4 eQi
M weµq e„w× N Drcv`b e„w× 13. †cvU©‡dvwjI I wewb‡qv‡Mi g~j D‡Ïk¨ Kx? 22. A‡_©i mgqg~j¨ wba©vi‡Yi g~jwfwË †KvbwU?
3. GKwU dv‡g©i cÖavb jÿ¨ nIqv DwPZ K gybvdv e„w× L SzuwK n«vm K A‡_©i Zvij¨ L gy`ªvbxwZ
K m¤ú` me©vwaKiY L gybvdv me©vwaKiY M weµq e„w× N Drcv`b LiP n«vm M my ‡ì nvi N ewa©Z gybvdv
M g~jab e„w× N weµq e„w× 14. †KvbwU eëmvq A_©vq‡bi KvR? 23. wewa-72 †Kv_vq eënvi Kiv nq?
4. g~jab ev‡RwUs-Gi mxgve×Zvmg~n n‡jv K Avq weeiY cÖ¯‘Z Kiv K wØ¸Y L wZb¸Y
i. AwbðqZv L Avw_©K Ae¯’vi weeiYx cÖ¯‘Z Kiv M Pvi¸Y N mgvb A¼
ii. g~jab e¨q cwieZ©b M Avw_©K mwVK eënvi wbwðZ Kiv 24. eëmvq A_©vq‡b mvgvwRK `vqe×Zvmg~n
iii. Drcv`b e¨q cwieZ©b N cY¨ Drcv`b I eÈb Kiv
n‡jv
wb‡Pi †KvbwU mwVK? 15. fwel¨r g~j¨ wbY©q Kivi c×wZ‡K Kx e‡j?
i. †fv³vi ¯^v_© msiÿY
K i I ii L i I iii M ii I iii N i, ii I iii K Pµe„w×KiY L evÆvKiY
ii. FY`vZvi ¯^v_© msiÿY
5. miKvwi A_©vq‡bi cÖavb D‡Ïk¨ n‡jv M Pµe„w× my` N fwel¨r g~j¨
iii. †kqvi‡nvìvi‡ì ¯^v_© msiÿY
K gybvdv m‡e©v”PKiY L m¤ú` m‡e©v”PKiY 16. SzuwK cwigv‡ci Rb¨ eënvi Kiv nq-
M RbKj¨vY N eëmvq m¤úÖmviY i. AvšÍtAv‡qi nvi wb‡Pi †KvbwU mwVK?
6. gybvdv AR©‡bi D‡Ï‡k¨ †h A_©vqb Kiv nq ii. Av`k© wePz¨wZ K i I ii L i I iii M ii I iii N i, ii I iii
Zv‡K Kx e‡j? iii. we‡f`v¼ 25. Ôiæj-72Õ Abyhvqx 12% my‡` 10,000
K e¨w³MZ A_©vqb L eëmvq A_©vqb wb‡Pi †KvbwU mwVK? UvKv KZ eQ‡i 20,000 UvKv n‡e?
M Aeëmvq A_©vqb N miKvwi A_©vqb K i I ii L i I iii M ii I iii N i, ii I iii K 12 L8
7. CAPM Abyhvqx cÖZ¨vwkZ Av‡qi nvi 17. †h e„wËi †gqv` D‡jøL _v‡K bv, Zv‡K Kx e‡j? M6 N2
wbY©‡qi m~Î †KvbwU? K mvaviY evwl©K e„wË 26. KqwU †KŠkj eënvi K‡i A‡_©i mgqg~j¨
K E(R) = Rf + (Rm  Rf)  L AwMÖg evw©lK © e„wË
L E(R) = Rm + (Rf  Rm)
wbY©q Kiv nq?
M wejw¤^Z evwl©K e„wË
M E(R) = Rf + (Rf + Rm) K 2wU L 3wU
N wPi¯’vqx e„wË
N E(R) = Rm + (Rf + Rm) M 4wU N 5wU
18. CAPM-Gi mvnv‡h¨ BKz¨BwU g~ja‡bi e¨q
8. SzuwK n‡jv 27. my` wbY©‡qi †KŠk‡ji Ici wfwË K‡i
i. cwigvc‡hvM¨
wbY©‡qi †ÿ‡Î we‡ePbv Kiv nq
my`‡K KZ fv‡M fvM Kiv nq?
i. evRvi Av‡qi nvi
ii. AwbðqZv †_‡K m„ó K2 L3
ii. Ki nvi
iii. cwinvi‡hvM¨ M4 N5
iii. SzuwKgy³ Av‡qi nvi
wb‡Pi †KvbwU mwVK? 28. †Kvb evwl© K e„ w Ëi UvKv eQ‡ii ïiæ‡Z
K i I ii L i I iii M ii I iii N i, ii I iii cwi‡kva Ki‡Z nq?
9. g‡b Ki †Kv‡bv GKwU cÖK‡í 4,50,000
K wejw¤^Z L mvaviY
wewb‡qvM cÖ‡qvRb| D³ cÖKí †_‡K cÖwZeQi 19. bM` cÖevn eQ‡ii †k‡l NU‡j Zv‡K Kx e‡j?
K AwMÖ g evwl© K e„ w Ë L e‡Kqv evwl© K e„ w Ë M wPi¯’vqx N AwMÖg
50,000 UvKv bM` AvšÍtcÖevn cvIqv hvq|
G‡ÿ‡Î D³ cÖK‡íi †c-e¨vK mgq KZ? M mvaviY evwl© K e„ w Ë N cÖ v wšÍ K evwl© K e„ w Ë  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
K 3 eQi L 6 eQi  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : Rbve Avjx gv‡K©›UvBj e¨vs‡K 5 eQi
M 9 eQi N 12 eQi wg. kwdK GKRb Lvgvwi| Lvgvi eëmv †gqvw` GKwU w¯‹‡g 1,00,000 UvKv Rgv
10. †Kvb Kvh© g~jab ev‡RwUs bq? SzuwKc~Y© †R‡bI wZwb `y» Lvgvi, gyiwMi iv‡Lb| e¨vs‡Ki my‡ì nvi 10%|
K Kviev‡ii Rb¨ cY¨ µq Lvgvi I †Kv‡q‡ji Lvgv‡i †ekwKQy A_© 29. Rbve Avjxi e¨vs‡K RgvK…Z UvKv‡K †Kvb
L m¤úwË cybt¯’vcb wewb‡qvM K‡ib| GKKfv‡e GKwU Lvgv‡i ai‡bi bM` cÖev‡ni AšÍfz©³ Kiv nq?
M m¤úwË AvaywbKvqb N eëmvq m¤úÖmviY wewb‡qv‡Mi gva¨‡g A‡bK ÿwZMÖ¯Í n‡jI K mvaviY evwl©K e„wË
 DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI : wZwb gybvdv jv‡f mÿg nb|
L AwMÖg evwl©K e„wË
AMÖYx wj. GKwU cÖK‡í 1,12,000 UvKv 20. wg. kwd‡Ki wewb‡qv‡Mi †Kvb bxwZ MÖnY M GKKvjxb bM` cÖevn
wewb‡qvM K‡i| AvMvgx 5 eQi hver D³ K‡i‡Qb?
N wgkÖ bM` cÖevn
wewb‡qvM n‡Z evwl©K bM` AvšÍtcÖevn K SzuwK I Av‡qi bxwZ
L Zvij¨ I gybvdvi bxwZ 30. Rbve Avjx 5 eQi †k‡l KZ UvKv cv‡eb?
cvIqv hv‡e h_vµ‡g 28,000 UvKv,
32,000 UvKv, 36,000 UvKv, 40,000 M e¨q wbqwš¿Z bxwZ K 1,51,051 L 1,61,051
UvKv Ges 44,000 UvKv| N †cvU© ‡ dvwjI êwPÎ¨vqb bxwZ M 1,60,000 N 1,50,000
1 N 2 L 3 K 4 N 5 M 6 L 7 K 8 N 9 M 10 K 11 L 12 N 13 L 14 M 15 K
16 M 17 N 18 L 19 M 20 N 21 K 22 M 23 K 24 N 25 M 26 K 27 K 28 N 29 M 30 L

1. miKvwi ivR¯^ msMÖ‡n wb‡Pi †KvbwU AwaK 10. gy`ªvùxwZi Kvi‡Y e„w× cvq 19. mvaviY †kqv‡ii êwkó¨ n‡jv
¸iæZ¡c~Y?© i. wewb‡qvM i. †kqvi‡nvìviMY wbw`©ó nv‡i jf¨vsk cvq
K Ki L Avg`vwb ïé ii. Drcv`b LiP ii. †fvUvwaKvi Av‡Q
M Aby`vb N ißvwb iii. KuvPvgv‡ji g~j¨ iii. †Kv¤úvwbi cÖK…Z gvwjK
2. †KvbwU A_©vqb Kvh©vewji AšÍfz©³ bq? wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
K Avw_©K cwiKíbv L jf¨vsk wm×všÍ K i I ii L i I iii M ii I iii N i, ii I iii K i I ii L i I iii M ii I iii N i, ii I iii
M wewb‡qvM wm×všÍ N g~j¨ wba©viY 11. †Kvb †ÿ‡Î eZ©gvb g~j¨ AwaK? 20. `xN©‡gqvw` A_©vq‡bi Drm †KvbwU?
3. A_©vq‡bi mvgvwRK `vqe×Zvi †ÿ‡Î K iwdK AvRxeb cÖ‡Z¨K eQi 50,000 K †UªRvwi wej L †UªRvwi eÛ
wewb‡qvMKvix‡ì cÖwZ `vwqZ¡ n‡jv UvKv cv‡e Ges my‡hvM e¨‡qi nvi 10% M evwYwR¨K e¨vsK N evwYwR¨K KvMR
i. Dchy³ jf¨vsk cÖ`vb L iwng AvR †_‡K 10 eQi ci 1,00,000 21. †h e‡Ûi Dci my` cÖ`vb Kiv nq bv, Zv‡K
ii. kÖwgK‡ì †eZb e„w× UvKv cv‡e Ges my‡ì nvi 15% Kx e‡j?
iii. wewb‡qvMK…Z A‡_©i e„w³hy³ eënvi M myRb AvRxeb cÖ‡Z¨K eQi 6,000 UvKv K Kzcb eÛ L wR‡iv Kzcb eÛ
wb‡Pi †KvbwU mwVK? cv‡e Ges my‡hvM e¨‡qi nvi 10% M Rv¼ eÛ N †UªRvwi eÛ
K i I ii L i I iii M ii I iii N i, ii I iii N Avwbm AvR †_‡K 8 eQi ci 80,000 22. IPO -Gi c~ Yi© ƒc Kx?
K Initial Popular Offering
4. cwi‡ek `~lYgy³ ivLv A_©vq‡bi †Kvb UvKv cv‡e Ges my‡ì nvi 12% L Initial Public Offering
welqwUi AšÍfz©³? 12. my‡ì nvi e„w× †c‡j wb‡Pi †KvbwU e„w× cv‡e? M Internal Public Offering
K mvgvwRK `vqe×Zv K eZ©gvb g~j¨ L weµ‡qi cwigvY N International Public Offering
L gybvdvmsµvšÍ `vqe×Zv M fwel¨r g~j¨ N AeP‡qi cwigvY 23. †m‡KÛvwi evRv‡ii D‡Ïk¨ n‡jv
M SzuwKmsµvšÍ `vqe×Zv 13. wb‡Pi †Kvb Kvh© g~jab ev‡RwUs bq? i. Zvij¨ eRvq ivLv
N weµqmsµvšÍ `vqe×Zv K Kviev‡ii Rb¨ cY¨ µq ii. cÖwZwbqZ wmwKDwiwUR m¤ú‡K© Z_¨
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : L m¤úwË cybt¯’vcb Rvb‡Z cviv
wMì‡dvW© wj. 12% my‡` RbZv e¨vsK wj. M m¤úwË AvaywbKvqb iii. bZzb wmwKDwiwUR Bmy¨ Kiv
†_‡K 5,00,00,000 UvKv FY wbj| N eëmvq m¤úÖmviY wb‡Pi †KvbwU mwVK?
2020 mv‡j †Kv¤úvwb 10,00,000 UvKv 14. g~ j ab ev‡RwUs Gi avcmg~ n n‡jv K i I ii L i I iii M ii I iii N i, ii I iii
gybvdv Kij| cwiPvjbv cl©‡ì wm×všÍ i. cÖKí D™¢veb 24. GKwU e‡Ûi wjwLZ g~j¨ 1,000 UvKv Ges
Abyhvqx mgy`q gybvdv †kqvi‡nvìvi‡ì ii. cÖKí g~j¨vqb evRvig~j¨ 1,300 UvKv| Kzcb †iU 12%
g‡a¨ †kqvi Abycv‡Z eÈb Kij| wKš‘ iii. g~jab wbqš¿Y n‡j g~jabx jvf Bì KZ?
2021 mv‡j KuvPvgvj wKb‡Z wM‡q wb‡Pi †KvbwU mwVK? K 10% L 12% M 20% N 30%
†Kv¤úvwb †`Lj ch©vß bM` A_© †bB| K i I ii L i I iii M ii I iii N i, ii I iii 25. wm‡÷‡gwUK SzuwK I Av‡qi g‡a¨ m¤úK©‡K
5. wMì‡dvW© wj. A_©vq‡bi †Kvb bxwZ AbymiY  DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : †h g‡W‡ji mvnv‡h¨ cÖKvk Kiv nq Zv‡K
bv Kivq KuvPvgvj µ‡q mgm¨v †`Lv †`q? Rbve wefvb GKwU jvfRbK cÖK‡í Kx e‡j?
K CAPM L CPM
K Zvij¨ I gybvdv bxwZ 1,20,000 UvKv wewb‡qvM Ki‡jb, hv M CAM N ACPM
L SzuwK I gybvdv bxwZ †_‡K AvMvgx 5 eQi hveZ evwl©K b¸`  DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI :
M †cvU©‡dvwjI êwPÎ¨vqb bxwZ AvšÍtcÖevn cvIqv hv‡e h_vµ‡g 16,000 AvÎvB wj. Gi SzuwKgy³ Av‡qi nvi 8%,
N A‡_©i mgqg~j¨ bxwZ UvKv; 24,000 UvKv; 50,000 UvKv; gv‡K©U †cvU©‡dvwjI Av‡qi nvi 12% Ges
6. DÏxc‡K wMì‡dvW© wj. Gi M„nxZ wm×všÍ n‡”Q 40,000 UvKv Ges 42,000 UvKv| weUv mnM 1.5|
i. A_©vqb 15. cÖKíwUi 3q eQ‡i µg‡hvwRZ bM` cÖevn 26. AvÎvB wj. Gi SzuwK wcÖwgqvg KZ?
ii. wewb‡qvM KZ n‡e? K 3% L 4% M 5% N 6%
iii. jf¨vsk K 40,000 UvKv L 50,000 UvKv 27. AvÎvB wj. Gi cÖZ¨vwkZ Av‡qi nvi KZ?
wb‡Pi †KvbwU mwVK? M 80,000 UvKv N 90,000 UvKv K 14% L 15% M 16% N 17%
K i I ii L i I iii M ii I iii N i, ii I iii 16. cÖKíwUi †c-e¨vK mgq KZ n‡e? 28. cwiPvjb Avq n‡Z e¨q †gUv‡Z bv cvivi
7. fwel¨‡Z cÖvß A‡_©i AvR‡Ki g~j¨‡K Kx ejv nq? K 3 eQi 6 gvm L 3 eQi 9 gvm m¤¢vebv‡K Kx ejv nq?
K eZ©gvb g~j¨ L fwel¨r g~j¨ M 4 eQi 2 gvm N 4 eQi 5 gvm K Avw_©K SzuwK L eëmvwqK SzuwK
M A¨vbyBwU N A‡_©i mgqg~j¨ 17. wb‡Pi †KvbwU †ewk jvfRbK? M my` nvi SzuwK N Zvij¨ SzuwK
8. evÆvKiY ej‡Z Kx †evSvq? K Mo wewb‡qvM 100 UvKv, Mo gybvdv 40 UvKv 29. weUvi gvb e„w× †c‡j wb‡Pi †KvbwU e„w× cv‡e?
K evÆv wbY©‡qi c×wZ L Mo wewb‡qvM 50 UvKv, Mo gybvdv 30 UvKv K cÖ‡qvRbxq Av‡qi nvi
L Kvievwi evÆvq cY¨ wewµ M Mo wewb‡qvM 100 UvKv, Mo gybvdv 20 UvKv L Avw_©K SzuwK
M bM` UvKvq cY¨ wewµ N Mo wewb‡qvM 50 UvKv, Mo gybvdv 25 UvKv M †gvU gybvdvi nvi N Zvij¨ SzuwK
N eZ©gvb g~j¨ wbY©‡qi c×wZ 18. cÖK‡íi jvfRbK Zvi wePvi K‡i AMÖvwaKv‡ii 30. FY g~ja‡bi eënvi cwinvi Ki‡j wb‡Pi
9. A‡_©i mgq g~‡jï m„wó nIqvi KviY Kx? wfwË‡Z g~ja‡bi eivÏ †Ìqv‡K Kx e‡j? †KvbwU k~b¨ n‡e?
K my‡ì nvi L Zvij¨ K g~jab e¨q L g~ja‡bi ch©vßZv K Avw_©K SzuwK L evRvi SzuwK
M Avw_©K bxwZ N gy`ªv bxwZ M g~ja‡bi ev‡RwUs N g~jab †ikwbs M Zvij¨ SzuwK N wewbgq nvi SzuwK
1 K 2 N 3 L 4 K 5 K 6 L 7 K 8 N 9 K 10 M 11 K 12 M 13 K 14 K 15 N
16 L 17 L 18 N 19 M 20 L 21 L 22 L 23 K 24 N 25 K 26 N 27 K 28 L 29 K 30 K
56 Avb›` †gvnb K‡jR, gqgbwmsn welq †KvW : 2 9 2

1. A_©vq‡bi welqe¯‘ wb‡Pi †KvbwU? 12. A‡_©i mgq cQ‡›ì KviY n‡jv cÖKí wbU eZ©gvb g~j¨ AvšÍtAvq nvi
K KuvPvgvj µq L msiwÿZ Avq i. AwbðqZv K 1,000 20%
M bM` cÖevn N A_© msMÖn I wewb‡qvM ii. †fvM AMÖvwaKvi L 1,500 15%
2. wb‡Pi †KvbwU A_©vq‡bi cÖ_g KvR? iii. wewb‡qvM my‡hvM bv _vKv wbU eZ©gvb g~j¨ c×wZ Abymv‡i L cÖKí
K Znwej msMÖn L g~jab ev‡RwUs wb‡Pi †KvbwU mwVK? wewb‡qv‡Mi Rb¨ DËg| Avevi AvšÍtAvq nvi
M ¯^í‡gqvw` m¤ú` eë¯’vcbv
K i I ii L i I iii c×wZ Abymv‡i K cÖKí wewb‡qv‡Mi Rb¨ DËg|
N Znwej eÈb
M ii I iii N i, ii I iii 22. Rbve nvmvb cÖKí wbe©vP‡bi †ÿ‡Î †h mgm¨vi
3. gybvdv me©vwaKiY ej‡Z †evSvq 13. `xN©‡gqvw` A_©vq‡bi Drm †KvbwU? m¤§yLxb n‡q‡Q Zv‡K Kx e‡j?
i. †kqvicÖwZ Avq e„w× Kiv
K †UªRvwi wej L †UªRvwi eÛ K AwbðqZv L Pvwn`vi cwieZ©b
ii. e¨q n«vm Kiv
M evwYwR¨K e¨vsK N evwYwR¨K KvMR M we‡iva i¨vswKs N g~jab e¨‡qi cwieZ©b
iii. KicieZ©x Avq e„w× Kiv
14. †Kvb e‡Ûi †ÿ‡Î FY`vZvi bvg I wVKvbv 23. DÏxc‡Ki Av‡jv‡K wb‡Pi †KvbwU mwVK?
BZ¨vw` wjwLZ _v‡K? K wbU eZ©gvb g~‡jï wfwË‡Z K cÖKí MÖnY
K evnK eÛ L BbKvg eÛ Kiv DwPZ
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : M wbewÜZ eÛ N wR‡iv Kzcb eÛ L AvšÍtAvq nv‡ii wfwË‡Z K cÖKí MÖnY Kiv
Rbve Kv‡ì Zvi eëmv‡q gybvdvi cÖZ¨vkvq
g~jab wewb‡qvM K‡ib| wnmveKvj †k‡l wZwb eo 15. `xN©‡gqvw` A_©ms¯’v‡bi myweav n‡jv DwPZ
A‡¼i gybvdv cvb| wZwb cybivq AwaK gybvdvi i. AvbyôvwbKZv Kg M AvšÍtAvq nv‡ii wfwË‡Z
cÖZ¨vkvq GKvwaK cÖK‡í wewb‡qvM K‡ib| ii. AwaK cwigvY FY N cÖKí jvfRbK
4. Rbve Kv‡`‡ii eëmv‡qi g~j jÿ¨ Kx? iii. `xN©‡gqv‡ì myweav 24. g~jab ev‡RwUs Gi mgm¨v n‡jv
K m¤ú` me©vwaKiY wb‡Pi †KvbwU mwVK? i. AwbwðZ wek¦
L gybvdv me©vwaKiY K i I ii L i I iii M ii I iii N i, ii I iii ii. Pvwn`vi AcwieZ©b
M mvgvwRK Kj¨vYmvab  DÏxcKwU c‡o 16 I 17bs cÖ‡kœi DËi `vI : iii. Drcv`b e¨‡qi cwieZ©b
N ¯’vqx m¤ú` me©vwaKiY Rbve nK GKRb wkwÿZ e¨w³| Zuvi Avw_©K evRvi wb‡Pi †KvbwU mwVK?
5. Rbve Kv‡`‡ii eëmv‡qi gybvdv me©vwaKi‡Yi m¤ú‡K© fv‡jv Ávb i‡q‡Q| m¤úÖwZ †MvgZx †Kv¤úvwb K i I ii L i I iii M ii I iii N i, ii I iii
†cQ‡b g~j mxgve×Zv †KvbwU? cyuwR msMÖ‡ni Rb¨ ˆ`wbK iƒcmx evsjv cwÎKvq 25. Avw_©K ÿwZi m¤¢vebv‡K Kx ejv nq?
K GwU SzuwK we‡ePbv K‡i bv weeiYcÎ †Q‡c‡Q, hv Rbve n‡Ki `„wó †K‡o‡Q| K AwbðqZv L SzuwK
L GwU wnmve bxwZ AbymiY K‡i bv 16. Rbve nK †Kvb ai‡bi †kqv‡ii Rb¨ Av‡e`b Ki‡eb? M gybvdvi nvi N wbU ÿwZ
M Avw_©K cÖevn we‡ePbv K‡i bv K cÖv_wgK †kqvi L gva¨wgK †kqvi 26. wb‡Pi †Kvb SzuwK mKj dvg©‡K cÖfvweZ K‡i?
N A‡_©i mgqg~j¨‡K we‡ePbv K‡i bv K GKK L †Kv¤úvwb
M †evbvm †kqvi N ivBU †kqvi
6. PjwZ m¤ú` eë¯’vcbvi AšÍfz©³ n‡jv 17. DÏxc‡Ki µqK…Z †kqvi cieZ©x‡Z †Kvb M evRvi N Zvij¨
i. bM` A_© msiÿY ai‡bi Avw_©K evRv‡i weµq Ki‡Z cvi‡e? 27. GKwU wmwKDwiwU‡Z wewb‡qvM n‡Z bM` cÖevn
ii. †kqvi Bmy¨
K eÛ evRvi L gy`ªv evRvi i. k~b¨ n‡Z cv‡i
iii. KuvPvgvj µq
M cÖv_wgK evRvi N gva¨wgK evRvi ii. abvZ¥K n‡Z cv‡i
18. mvaviY ÷‡Ki êwkó¨ n‡jv iii. FYvZ¥K n‡Z cv‡i
7. mg‡qi mv‡_ A‡_©i g~‡jï cwieZ©b‡K Kx e‡j? i. mxgve× `vq wb‡Pi †KvbwU mwVK?
K eZ©gvb g~j¨ L fwel¨r g~j¨ ii. †fvUvwaKviwenxb K i I ii L i I iii M ii I iii N i, ii I iii
M A¨vbyBwU N A‡_©i mgqg~j¨ iii. n¯ÍvšÍi‡hvM¨Zv  DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI :
8. A‡_©i fwel¨r g~j¨ wbY©q Kivi cÖwµqv‡K Kx e‡j? wb‡Pi †KvbwU mwVK? weeiY wmwKDwiwU wmwKDwiwU
K Pµe„w×KiY L evÆvKiY K i I ii L i I iii M ii I iii N i, ii I iii X Y
M eZ©gvb g~j¨ N fwel¨r g~j¨ 19. wb‡Pi †KvbwU `xN©‡gqvw` wewb‡qvM g~j¨vqb cÖwµqv? cÖZ¨vwkZ Avq 10% 15%
9. A‡_©i mgqg~j¨ wbY©‡qi †ÿ‡Î cÖfvewe¯ÍviKvix K A‡_©i mgqg~j¨ L evÆvi nvi wba©viY cwiwgZ eëavb 15% 25%
Dcv`vb n‡jv M g~jab ev‡RwUs we‡f`v¼ 150% ?
i. my‡ì nvi N wewb‡qv‡Mi fwel¨r g~jbxwZ 28. wmwKDwiwU Y Gi we‡f`v¼ wb‡Pi †KvbwU?
ii. mgq 20. wewb‡qvMK…Z UvKv‡K evwl©K mgvb bM` cÖevn K 100% L 150%
iii. A‡_©i Zvij¨ Øviv fvM Ki‡j Kx cvIqv hv‡e? M 167% N 170%
wb‡Pi †KvbwU mwVK? K †c-e¨vK mgq L Mo gybvdv nvi
K i I ii L i I iii M ii I iii N i, ii I iii 29. wmwKDwiwU Y n‡jv
M wbU eZ©gvb g~j¨ N AvšÍtAvq nvi
i. AwaK SzuwKc~Y©
 DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : 21. wewb‡qvM cÖKí g~j¨vq‡bi mbvZb c×wZ n‡jv ii. Kg SzuwKc~Y©
wg. iIkb AMÖYx e¨vsK †_‡K wKQy UvKv FY wb‡q‡Q| i. †c-e¨vK mgq iii. AwaK Avqhy³
AvMvgx 5 eQi D³ UvKv cÖwZ eQ‡ii ïiæ‡Z ii. Mo gybvdvi nvi
mgcwigvY 10,000 UvKv K‡i cwi‡kva Ki‡eb| wb‡Pi †KvbwU mwVK?
iii. wbU eZ©gvb g~j¨ K i I ii L i I iii M ii I iii N i, ii I iii
10. hw` e¨vs‡Ki my‡ì nvi 10% nq Zvn‡j wg÷vi wb‡Pi †KvbwU mwVK?
iIkb AMÖYx e¨vsK †_‡K KZ UvKv FY wb‡qwQ‡jb? 30. eëmvwqK SzuwKi Drm n‡jv
K 41,700 UvKv L 50,000 UvKv i. w¯’i cwiPvjb e¨q
M 32,222 UvKv N 76,990 UvKv  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : ii. Avq Aw¯’wZkxjZv
11. wg. iIkb KZ…©K cÖ`Ë wKw¯Í Kx ai‡bi? Rbve nvmvb †d«k wj. Gi Avw_©K eë¯’vcK| iii. FY g~jab
K mvaviY evwl©K wKw¯Í L bgbxq evwl©K wKw¯Í wb‡¤œi `ywU wewb‡qvM cÖKí n‡Z †h‡Kv‡bv wb‡Pi †KvbwU mwVK?
M AwMÖg evwl©K wKw¯Í N Abgbxq evwl©K wKw¯Í GKwU‡K MÖnY Ki‡Z n‡e| K i I ii L i I iii M ii I iii N i, ii I iii
1 N 2 K 3 L 4 L 5 N 6 L 7 N 8 K 9 K 10 K 11 M 12 K 13 L 14 M 15 M
16 K 17 N 18 L 19 M 20 K 21 K 22 M 23 L 24 L 25 L 26 M 27 K 28 M 29 L 30 K
G·K¬zwmf g‡Wj †U÷ : m„Rbkxj

57 G·K¬zwmf g‡Wj †U÷ 01 welq †KvW : 2 9 2
1  Rbve Avãyi ingvb wgTv AvKvk †Uj †Kv¤úvwbi eë¯’vcK| KuvPvgv‡ji g~j¨ N. Rbve Zvwg‡gi †Kvb e‡Û wewb‡qvM Kiv DwPZ Zv †gqv`c~wZ©‡Z
K‡g hvIqvq AwaK gybvdvi Avkvq wZwb †Kv¤úvwbi †gvU g~ja‡bi wmsnfvM Av‡qi nvi wbY©‡qi gva¨‡g wm×všÍ MÖnY Ki| 4
w`‡q †Kv¤úvwbi Rb¨ KuvPvgvj wK‡b iv‡Lb| wKšÍy K‡qK gvm ci wZwb †ekwKQz 7  Rbve kIKZ mv‡ne we`y¨r LiP mvkÖ‡qi Rb¨ Zvi evwo‡Z AvMvgx 5 eQ‡ii
mgm¨vi m¤§yLxb nb| G‡Z †Kv¤úvwbi mybvg gvivÍKfv‡e ÿwZMÖ¯Í nq| Rb¨ †mŠiwe`y¨r cøv›U I wW‡Rj cøv›U emv‡bvi wPšÍvfvebv Ki‡Q| †hLv‡b
K. eëmvq A_©ms¯’vb Kx? 1 Dfq cøv‡›U LiP n‡e 1,00,000 UvKv Ges †Kv‡bv fMœve‡kl g~j¨ †bB|
L. eëmv‡q ˆbwZKZv ej‡Z Kx †evSvq? 2 wb‡P Dfq cøv‡›Ui my` I KicieZ©x bM` AvšÍtcÖevn †Ìqv n‡jv :
M. DÏxcK Abyhvqx Rbve Avãyi ingvb g~jZ Kx Kx mgm¨vi m¤§yLxb eQi †mŠi we`y¨r cøv›U UvKv wW‡Rj cøv›U UvKv
n‡qwQ‡jb? e¨vL¨v Ki| 3 1 25,000 20,000
N. A_©ms¯’v‡bi †Kvb bxwZ bv gvbvi Kvi‡Y Zv‡K G mKj mgm¨vi 2 40,000 35,000
m¤§yLxb n‡Z n‡qwQj? DÏxc‡Ki Av‡jv‡K gšÍe¨ Ki| 4 3 35,000 45,000
2  wg. mvwKj M I N †Kv¤úvwbi Avw_©K eë¯’vcK whwb me©`v †Kv¤úvwbi gybvdv 4 30,000 25,000
e„w×i K_vB wPšÍv K‡ib| d‡j wZwb †Kv¤úvwbi Drcvw`Z c‡Yï ¸YMZgv‡bi 5 15,000 20,000
w`‡K †Lqvj bv †i‡L c‡Yï g~j¨ e„w×i gva¨‡g gybvdv e„w×i w`‡KB †ewk kIKZ mv‡n‡ei my‡hvM e¨q 12%|
g‡bv‡hvM †`b| cÿvšÍ‡i, wg. mvwKj P I Q †Kv¤úvwbi Avw_©K eë¯’vcK| K. ¯^vaxb cÖKí Kx? 1
wZwb Zvi †Kv¤úvwbi Drcvw`Z c‡Yï ¸YMZgvb h_vh_fv‡e wbqš¿Y K‡ib| L. Af¨šÍixY Av‡qi nvi ej‡Z Kx †evSvq? 2
†fv³vi ¯^v‡_©i w`KUv gv_vq †i‡L wZwb mxwgZ gybvdv K‡ib| G‡Z K‡i P I Q M. Rbve kIKZ mv‡n‡ei †mŠiwe`y¨r cøv‡›Ui wbU eZ©gvb g~j¨ wbY©q Ki| 3
†Kv¤úvwbi Drcvw`Z c‡Yï evRvi m¤úÖmvwiZ nq| wg. mvwKj †Kv¤úvwb mswkøó N. DÏxc‡Ki Av‡jv‡K Rbve kIKZ mv‡ne‡K Zzwg †Kvb cøv›UwU
mK‡ji ¯^v‡_©i w`K gv_vq †i‡L †Kv¤úvwbi m¤ú` e„w×i w`‡K bRi †`b| emv‡bvi mycvwik Ki‡e Ges †Kb? 4
K. eëmvq A_©vqb Kv‡K e‡j? 1
L. mvgvwRK `vqe×Zv ej‡Z Kx †evS? 2 8  ingvb mv‡ne bvwRqv †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb ÔKÕ I ÔLÕ `ywU cÖK‡íi
M. DÏxc‡Ki M I N †Kv¤úvwb‡Z A_©vq‡bi †Kvb j‡ÿï cÖwZdjb †h‡Kv‡bv GKwU‡Z wewb‡qvM Ki‡Z Pv‡”Qb| cÖKí `ywUi Z_ëwj wb¤œiƒc :
N‡U‡Q? e¨vL¨v Ki| 3 bM` cÖevn (UvKvq)
N. DÏxc‡Ki `ywU †Kv¤úvwbi g‡a¨ †Kvb †Kv¤úvwbwU `xN©‡gqv‡` wU‡K cÖKí eQi-0 eQi-1 eQi-2 eQi-3 eQi-4
_vK‡e e‡j Zzwg g‡b Ki? hyw³ `vI| 4 ÔKÕ (40,000) 20,000 18,000 12,000 10,000
3  Rbve Zvbfxi GKwU `yB Zjv feb wbg©vY Ki‡Z Pvb| eZ©gv‡b febwU wbg©vY ÔLÕ (40,000) 10,000 12,000 18,000 20,000
Ki‡Z 40 jÿ UvKvi cÖ‡qvRb wKš‘ Zvi wbKU 30 jÿ UvKv i‡q‡Q| UvKvi evÆvi nvi 13%| ingvb mv‡ne cÖKí g~j¨vq‡bi †ÿ‡Î AvaywbK c×wZ cÖ‡qvM K‡ib|
NvUwZi welqwU †f‡e wZwb evwl©K 9% my‡ì nv‡i myigv e¨vs‡K D³ 30 jÿ K. g~jab ev‡RwUs Kx? 1
UvKv Rgv ivL‡jb| Zvi D‡Ïk¨ n‡jv 5 eQi ci feb wbg©v‡Yi KvR ïiæ L. g~jab †ikwbs Kxfv‡e Kiv nq? e¨vL¨v Ki| 2
Ki‡eb| wZwb aviYv Ki‡Qb feb wbg©vY mvgMÖxi evwl©K g~j¨ e„w×i nvi 2%| M. ÔKÕ cÖK‡íi cwi‡kvaKvj wbY©q Ki| 3
K. A‡_©i mgqg~j¨ Kx? 1 N. wbU eZ©gvb g~‡jï wfwË‡Z ingvb mv‡n‡ei †Kvb cÖKí wbe©vPb Kiv
L. Pµe„w×i msL¨v cwieZ©‡bi d‡j fwel¨r g~‡jï Ici Kx cÖfve DwPZ? DË‡i mc‡ÿ †Zvgvi gZvgZ `vI| 4
co‡e? e¨vL¨v Ki| 2 9  wgbwZ wgbv‡ijm †Kvs wj.-Gi Kv‡Q `ywU ci¯úi eR©bkxj cÖK‡í A I B
M. DÏxc‡K cuvP eQi ci febwU wbg©vY Ki‡Z Rbve Zvbfx‡ii †Z wewb‡qv‡Mi my‡hvM i‡q‡Q| cÖKí `ywUi bM` cÖevn wb¤œiƒc :
cÖK…Zc‡ÿ †gvU KZ UvKv e¨q n‡e? wbY©q Ki| 3 mgq A B
N. DÏxc‡K Rbve Zvbfxi e¨vs‡K UvKv Rgv ivLvi †h wm×všÍwU wb‡q‡Qb 0 (30,000) (40,000)
†mwU wK Zvi D‡Ïk¨ c~iY Ki‡Z cvi‡e? we‡kølYc~e©K gZvgZ `vI| 4 1 2,000 25,000
4  Rbve Lv‡jK Aemi fvZv eve` 5,00,000 UvKv †c‡jb| D³ UvKv wZwb 2 15,000 18,000
5 eQ‡ii Rb¨ ÔwPÎv e¨vsK wjwg‡UWÕ Rgv ivL‡j e¨vsKwU Zv‡K 7,80,000 3 7,000 9,000
UvKv †Ìqvi cÖ¯Íve K‡i| Ab¨w`‡K Ôw`MšÍ e¨vsK wjwg‡UWÕ 8 eQ‡ii Rb¨ 4 5,000 6,000
Rgv ivL‡j e¨vsKwU Zv‡K 9,00,000 UvKv †Ìqvi cÖ¯Íve K‡i|
K. cviwcPzBwU e„wË Kx? 1 K. ci¯úi eR©bkxj cÖKí Kx? 1
L. wewa 72 KLb cÖ‡hvR¨ n‡e? e¨vL¨v Ki| 2 L. †c-e¨vK wcwiqW ej‡Z Kx †evS? 2
M. DÏxc‡Ki Av‡jv‡K wPÎv e¨vsK wjwg‡U‡Wi my‡ì nvi KZ? 3 M. g~jab e¨q 15% n‡j cÖKí `ywUi NPV wbY©q Ki| 3
N. Rbve Lv‡jK †Kvb e¨vs‡K UvKv Rgv ivL‡j jvfevb n‡eb? †Zvgvi gZvgZ `vI| 4 N. hw` cÖKí `ywU ¯^vaxb nq Ges g~jab e¨q 12% n‡j Zzwg †Kvb cÖKí
5  mvjvg mv‡ne GKRb wewb‡qvMKvix| wZwb wewb‡qv‡Mi Rb¨ mvbgy‡bi 1,000 cQ›` Ki‡e? DË‡ii mc‡ÿ hyw³ `vI| 4
UvKv AwfwnZ g~‡jï 12% Kzcb †i‡U 8 eQi †gqvw` eÛ †Kbvi K_v 10  wgRvb ÷K A I ÷K B m¤ú‡K© wb‡¤œv³ Z_¨mg~n msMÖn K‡i‡Qb :
fve‡Qb| eÛwU 10% Awanv‡i 4 eQi ci Zje Kiv n‡Z cv‡i| Ab¨w`‡K A_©‰bwZK Ae¯’v m¤¢vebv ÷K- A ÷K- B
kvcjv †Kv¤úvwbi GKwU eÛ evRv‡i Av‡Q hvi †gqv` 10 eQi Ges wjwLZ g~j¨ g›`vfve 20% 15% 20%
3,000 UvKv, Kzcb nvi 12% Ges eZ©gv‡b evRvig~j¨ 2,500 UvKv| †Mvjvc ¯^vfvweK 50% 20% 30%
†Kv¤úvwbi 3,000 UvKv wjwLZ g~‡jï GKwU wR‡iv Kzcb eÛ eZ©gv‡b evRv‡i Pv½v 30% 60% 40%
1,100 UvKvq weµq n‡”Q hvi †gqv` 10 eQi| cÖ‡qvRbxq Av‡qi nvi 13%| K. †cvU©‡dvwjI Kx? 1
K. Rv¼ eÛ Kx? 1 L. ÒSzuwKc~Y© cwi‡e‡k wm×všÍ MÖnY me©`v AjvfRbK bq|Ó e¨vL¨v Ki| 2
L. KLb e‡Ûi evRvig~j¨ e‡Ûi AwfwnZ g~‡jï mgvb nq? e¨vL¨v Ki| 2 M. ÷K-A Gi Mo gybvdvi nvi wbY©q Ki| 3
M. mvbgyb eÛwUi Bì Uz Kj wbY©q Ki| 3 N. DÏxc‡Ki †Kvb ÷KwU‡Z wewb‡qvM Kiv AwaK hyw³hy³, Zv MvwYwZK
N. DÏxc‡K kvcjv I †Mvjvc †Kv¤úvwbi gv‡S †Kvb †Kv¤úvwb‡Z mvjvg we‡køl‡Yi gva¨‡g gšÍe¨ Ki| 4
mv‡n‡ei wewb‡qvM Kiv DwPZ? e‡Ûi g~j¨ wbY©‡qi gva¨‡g e¨vL¨v Ki| 4 11  Rbve ZvwiL X cÖKí ev Y cÖK‡í wewb‡qv‡Mi K_v fve‡Qb| cÖKí 2wUi Z_¨ wb¤œiƒc :
6  Rbve Zvwgg GKRb wewb‡qvMKvix| wZwb ÔKÕ I ÔLÕ †Kv¤úvwbi g‡a¨ †h‡Kv‡bv A_©‰bwZK m¤¢vebvi Av‡qi nvi
GKwU †Kv¤úvwbi e‡Û wewb‡qvM Ki‡Z AvMÖnx| eÛ `ywUi Z_¨mg~n wb¤œiƒc : Ae¯’v gvÎv cÖKí-X cÖKí-Y
eÛ wjwLZ g~j¨ Kzcb †gqv`Kvj cÖ‡qvRbxq
(UvKv) nvi Av‡qi nvi
evRvig~j¨
(UvKv)
fv‡jv 0.30 18% 22%
¯^vfvweK 0.50 14% 17%
K 1,000 12% 10 eQi 10% 1,100 g›`v 0.20 10% 9%
L 1,000 10% 8 eQi 11% 980 K. †gvU gybvdv nvi wbY©‡qi mgxKiYwU wjL| 1
K. `xN©‡gqvw` A_©vqb Kx? 1 L. we‡f`v¼ m¤ú‡K© aviYv `vI| 2
L. †kqvi I FYc‡Îi g‡a¨ cv_©K¨ †`LvI| 2 M. cÖKí X Gi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
M. †Kv¤úvwb ÔKÕ Ges ÔLÕ e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3 N. Rbve Zvwi‡Li †Kvb cÖKí‡Z wewb‡qvM Kiv AwaK hyw³hy³? gZvgZ we‡kølY Ki| 4

1  wg. KvRj Ges wg. iZb `yBRb eÜy GKwU cÖwZwôZ wek¦we`¨vj‡q wdb¨vÝ nvi 30%| evÆvi nvi 10%| †gwkbwU eënv‡ii gva¨‡g AvMvgx 5 eQ‡ii
GÛ e¨vswKs wel‡qi Ici cov‡kvbv Ki‡Qb| Zviv `yBRb wg‡j wm×všÍ wbj bM` AvšÍtcÖevn h_vµ‡g 50,000 UvKv, 55,000 UvKv, 60,000 UvKv,
†h, wUDkwb K‡i AwR©Z UvKv w`‡q †kqvievRv‡i wewb‡qvM Ki‡e| wg. 65,000 UvKv Ges 70,000 UvKv|
KvRj Zvi cyuwR w`‡q GKwUgvÎ †Kv¤úvwbi †kqvi µq Kij| Ab¨w`‡K, wg. K. ¯^vaxb cÖKí Kv‡K e‡j? 1
iZb Zvi cyuwR w`‡q mvZwU †Kv¤úvwbi †kqvi µq Kij| L. †h evÆvi nv‡i bM` cÖevn‡K evÆv Ki‡j wbU eZ©gvb g~j¨ k~b¨ nq
K. eëmvq A_©vqb Kx? 1 Zv‡K Kx e‡j? e¨vL¨v Ki| 2
L. m¤ú` me©vwaKiY Kxfv‡e Kiv hvq? e¨vL¨v Ki| 2 M. iZœv †Kv¤úvwbi Mo Av‡qi nvi wbY©q Ki| 3
M. wg. iZb wewb‡qv‡Mi †ÿ‡Î A_©vq‡bi †Kvb bxwZwU AbymiY K‡i‡Q? e¨vL¨v Ki| 3 N. DÏxc‡K DwjøwLZ †gwkbwU µ‡qi wel‡q †Kv¤úvwbi wm×všÍwU Kx
N. DÏxc‡Ki Av‡jv‡K, †kqvievRv‡i wewb‡qv‡Mi †ÿ‡Î Kvi wewb‡qvM‡K nIqv DwPZ? wbU eZ©gvb g~‡jï Av‡jv‡K we‡kølY Ki| 4
AwaK †hŠw³K e‡j Zzwg g‡b Ki? we‡kølY K‡i gZvgZ `vI| 4 8  wenb wj.-Gi 2wU wewb‡qvM cÖ¯Íve Av‡Q| cÖwZwU cÖK‡íi cÖv_wgK wewb‡qvM
2  'A' †Kv¤úvwb ïay wgwbc¨vK k¨v¤úy wecYb K‡i _v‡K| mybvg evov‡bv I eëmvq n‡e 50,000 UvKv| cÖwZôvbwUi my‡hvM e¨q n‡jv 10%| cÖKí `ywUi bM`
m¤úÖmvi‡Yi j‡ÿ¨ Zviv Zv‡ì †gvU jv‡fi 25% jf¨vsk wn‡m‡e evwl©K AvšÍtcÖevn wb‡¤œ †Ìqv n‡jv
†kqvi‡nvìvi‡ì g‡a¨ eÈb K‡i| Aciw`‡K 'B' †Kv¤úvwb wgwbc¨vK k¨v¤úyi eQi cÖKí-K (UvKv) cÖKí-L (UvKv)
cvkvcvwk d¨vwgwj mvBR k¨v¤úy, †evZjRvZ k¨v¤úy I nvievj k¨v¤úy wecYb K‡i| 1 30,000 20,000
Zv‡ì †gvU jv‡fi 8% jf¨vsk wn‡m‡e †kqvi‡nvìvi‡ì g‡a¨ eÈb K‡i| 2 20,000 20,000
K. Zvij¨ I gybvdv bxwZ Kx? 1
3 20,000 20,000
L. A_©vqb ej‡Z Znwej msMÖn Kiv‡KB †evSvq eywS‡q wjL| 2
4 10,000 20,000
M. †Kv¤úvwb 'B' SzuwK Kgv‡Z A_©vq‡bi †Kvb bxwZwU AbymiY K‡i‡Q? e¨vL¨v Ki| 3
N. DÏxc‡Ki †Kvb †Kv¤úvwbwU A_©vq‡bi m¤ú` me©vwaKi‡Yi jÿ¨wU K. g~jab ev‡RwUs Kx? 1
AR©‡bi w`‡K GwM‡q hv‡”Q Zv we‡kølYc~e©K Av‡jvPbv Ki| 4 L. g~jab ev‡RwUs †Kb Kiv nq? eywS‡q †jL| 2
3  Rbve igRvb Avjx Avjdv e¨vsK †_‡K 14% my‡` 25,000 UvKv FY MÖnY M. DÏxc‡K DwjøwLZ 2wU cÖK‡íi †c-e¨vK mgq wbY©q Ki| 3
K‡iwQ‡jb hv my`vm‡j mgvb 4wU evwl©K wKw¯Í‡Z cwi‡kvwaZ n‡qwQj| N. cÖKí `ywUi NPV wbY©q K‡i wenb wj.-†K cÖK‡íi MÖnY‡hvM¨Zvi
K. A‡_©i mgqg~j¨ Kx? 1 e¨vcv‡i civgk© `vI| 4
L. ÒA‡_©i eZ©gvb g~j¨ fwel¨r g~‡jï Zzjbvq AwaK cQ›`bxq|Ó †Kb? 2 9  Rbve AvKe‡ii wbKU wewb‡qv‡Mi Rb¨ `ywU ÷K Av‡Q| cÖ‡qvRbxq Z_¨ wb¤œiƒc :
M. evwl©K F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3 Av‡qi nvi m¤¢vebv
N. wKw¯Íi UvKv cÖwZeQ‡ii ïiæ‡Z cwi‡kva Ki‡j F‡Yi wKw¯Íi cwigvY cÖKí-cÙv cÖKí-†gNbv cÖKí-cÙv cÖKí-†gNbv
KZ n‡e Zv wbY©qc~e©K FY cwi‡kva ZvwjKv ˆZwi Ki| 4 0.20 0.15 0.40 0.50
4  n¨v‡fb wjwg‡UW GKwU bZzb hš¿ †Kbvi wm×všÍ wb‡q‡Q| G hš¿wU µq Kivi 0.15 0.17 0.30 0.25
Rb¨ 3,00,000 UvKvi cÖ‡qvRb| †Kv¤úvwbi evwYwR¨K e¨vsK †_‡K 12% 0.25 0.10 0.20 0.15
my‡ì nv‡i FY wb‡q hš¿wU †Kbvi wPšÍvfvebv Ki‡Q| 5 eQi hver cÖwZ 0.17 0.13 0.10 0.10
eQ‡ii ïiæ‡Z 5wU mgvb wKw¯Í‡Z FYwU cwi‡kva Ki‡Z n‡e| K. eëmvwqK SzuwK Kx? 1
K. Kvh©Kix my‡ì nvi Kv‡K e‡j? 1 L. †Kvb SzuwK mKj cÖwZôvb‡K cÖfvweZ K‡i? e¨vL¨v Ki| 2
L. KLb eZ©gvb g~j¨ I fwel¨r g~j¨ mgvb nq? e¨vL¨v Ki| 2 M. Rbve AvKe‡ii cÙv ÷‡Ki Av`k© wePz¨wZ wbY©q Ki| 3
M. DÏxc‡Ki F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3 N. we‡f`v‡¼i wfwË‡Z †Kvb ÷K µq Kiv DwPZ e‡j Zzwg g‡b Ki? 4
N. ÒFY cwi‡kva ZvwjKvq cwi‡kvwaZ Avm‡ji cwigvY cÖwZeQi e„w× 10  Rbve knx` GKRb PvKwiRxex| wZwb †kqvievRv‡i wewb‡qvM Ki‡Z Pvb|
cvqÓ  n¨v‡fb wjwg‡U‡Wi FY cwi‡kva ZvwjKv cÖ¯ÍyZc~e©K Dw³wUi wZwb 20,00,000 UvKv wb‡Pi †h‡Kv‡bv `ywU wmwKDwiwU‡Z mgvbfv‡e
h_v_©Zv g~j¨vqb Ki| 4 wewb‡qvM Ki‡Z B”QzK :
5  wg. cv‡Û P and P †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb †Kv¤úvwb m¤úÖmvi‡Yi wmwKDwiwU cÖZ¨vwkZ Avq Av`k© wePz¨wZ mnm¤^Ü
Rb¨ wewfbœ Drm †_‡K g~jab msMÖ‡ni my‡hvM i‡q‡Q| wKšÍy wZwb Ggb Drm A 23% 8% rAB = 0.6
†_‡K g~jab msMÖn Ki‡Z Pvb †hLv‡b g~jab cwi‡kv‡ai mxgv‡iLvi g‡a¨
B 26% 9% rAC = 0.5
†Kv‡bv evaëvaKZv Kg| cÿvšÍ‡i, q and q †Kv¤úvwbi Avw_©K eë¯’vcK wg.
C 19% 6% rBC = 1
wKewiqv e¨vsK FY wb‡q †Kv¤úvwb m¤úÖmvi‡Yi wm×všÍ †bb| q and q
†Kv¤úvwb h_vmg‡q FY cwi‡kv‡a e¨_© nIqvq FY †Ljvwci ZvwjKvfz³ nb| K. we‡f`v¼ Kx? 1
K. cyU eÛ Kx? 1 L. CAPM g‡Wj e¨vL¨v Ki| 2
L. Bì Uz Kj (YTC) ej‡Z Kx †evSvq? 2 M. Rbve knx` wZbwU wmwKDwiwU‡Z mgvbfv‡e wewb‡qvM Ki‡j
M. DÏxc‡K P and P †Kv¤úvwbi g~jab msMÖ‡ni †Kvb Dr‡mi K_v ejv †cvU©‡dvwjI Av‡qi nvi KZ n‡e? 3
n‡q‡Q? e¨vL¨v Ki| 3 N. Rbve knx‡ì Rb¨ me‡P‡q Kg SzuwKc~Y© †cvU©‡dvwjI †KvbwU? hyw³mn DËi `vI| 4
N. DÏxc‡Ki `ywU †Kv¤úvwbi g~jab msMÖ‡ni Dr‡mi Zzjbvg~jK wPÎ we‡kølY Ki| 4 11  Rbve iwng `ywU wmwKDwiwU cQ›` Ki‡jb hv‡ì cÖZ¨vwkZ Av‡qi nvi I
6  Rbve Avjg `xN©‡gqvw` e‡Û wewb‡qv‡M AvMÖnx| Zvi `ywU e‡Û wewb‡qv‡Mi cwiwgZ eëavb wb¤œiƒc :
my‡hvM Av‡Q| eÛ `ywUi Z_¨vewj wb¤œiƒc : †kqvi Av‡qi nvi cwiwgZ eëavb
AwfwnZ Kzcb cÖ‡qvRbxq P 16% 6%
eÛ evRvig~j¨ †gqv`Kvj 16% 6%
g~j¨ my‡ì nvi Av‡qi nvi Q
P 1,000 12% 900 12 eQi 10% GQvov wmwKDwiwUi `ywUi mnm¤^Ü wQj .50| Rbve iwn‡gi Kv‡Q
Q 1,200  950 10 eQi 10% wewb‡qv‡Mi Rb¨ eZ©gv‡b 10,00,000 UvKv Av‡Q, hvi 50% wmwKDwiwU P
K. `xN©‡gqvw` A_©vqb Kx? 1 G Ges evwK Ask wmwKDwiwU Q G wewb‡qvM Ki‡jb|
L. AMÖvwaKvi †kqvi ej‡Z Kx †evSvq? 2 K. AwbðqZv Kv‡K e‡j? 1
M. DÏxc‡K ewY©Z P e‡Ûi eZ©gvb g~j¨ wbY©q Ki| 3 L. Av`k© wePz¨wZi gva¨‡g Kxfv‡e SzuwK cwigvc Kiv hvq? 2
N. DÏxc‡Ki Av‡jv‡K Rbve Avj‡gi †Kvb eÛ wewb‡qvM Kiv DwPZ? we‡kølY Ki| 4 M. Rbve iwn‡gi wewb‡qv‡Mi cÖZ¨vwkZ Av‡qi nvi KZ? 3
7  iZœv †Kv¤úvwb cY¨ Drcv`‡bi j‡ÿ¨ 2,00,000 UvKv g~‡jï GKwU bZzb N. Rbve iwn‡gi GKK wmwKDwiwU‡Z wewb‡qvM bv K‡i †cvU©‡dvwjI
†gwkb µ‡qi K_v fve‡Qb| fMœve‡kl g~j¨ 10,000 UvKv| K‡c©v‡iU Ki ˆZwii †hŠw³KZv we‡kølY Ki| 4

1  wg. ingvb ¯‹qvi wj.-Gi GKRb Avw_©K eë¯’vcK| Zvi †Kv¤úvwbi e¨vs‡K K. g~jab †ikwbs Kx? 1
50,00,000 UvKv Rgv Av‡Q| wZwb D³ UvKv wZbwU cÖK‡í wewb‡qvM L. ci¯úi eR©bkxj cÖK‡íi †ÿ‡Î Kxfv‡e wewb‡qvM wm×všÍ MÖnY Kiv nq? 2
K‡ib| cÖ_g cÖK‡í wZwb ÿwZi m¤§yLxb nb wKšÍy 2q I 3q cÖK‡í wZwb M. cÖKí-N Gi NPV wbY©q Ki| 3
gybvdv AR©b K‡ib| N. IRR Gi wfwË‡Z †e½j cvIqvi wj.-Gi wewb‡qvM wm×všÍ mycvwik Ki| 4
K. Zvij¨ Kx? 1 7  GKwU †gwk‡bi µqg~j¨ 1,50,000 UvKv| †gwkbwUi Avqy®‹vj 5 eQi|
L. †cvU©‡dvwjI bxwZ †Kb MÖnY Kiv nq? 2 Kvh©Kix g~jab 30,000 UvKv I fMœve‡klg~j¨ 10,000 UvKv| evÆvi nvi
M. DÏxc‡K A_©vq‡bi †Kvb Kvh©vewji D‡jøL Av‡Q? Av‡jvPbv Ki| 3 10% I Ki nvi 40%| †gwkb †_‡K Kic~e© bM` cÖevn wb¤œiƒc :
N. wg. ingvb A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? Av‡jvPbv Ki| 4 eQi Kic~e© bM` cÖevn
2  ÔKÕ †Kv¤úvwb I ÔLÕ †Kv¤úvwbi Z_¨vewj wb‡P †Ìqv n‡jv : 1 45,000
DPS (UvKv) evRvig~j¨ (UvKv) †kqv‡ii AwfwnZ 2 47,000
†Kv¤úvwb 3 55,000
2020 2021 2022 2020 2021 2022 g~j¨ (UvKv)
4 42,000
ÔKÕ 50 65 70 150 150 150 150
5 60,000
ÔLÕ 35 35 35 150 200 250 150
Rbve ivwKe ÔKÕ †Kv¤úvwbi †kqvi wKb‡jI Rbve wiqv` ÔLÕ †Kv¤úvwbi
L. cÖKí Ranking Gi †ÿ‡Î Ø›Ø ej‡Z Kx †evSvq? e¨vL¨v Ki| 2
†kqvi wKbvi wPšÍv Ki‡Qb|
M. ARR wbY©q Ki| 3
K. †cvU©‡dvwjI Kx? 1 N. wbU eZ©gvb g~‡jï wfwË‡Z †Zvgvi wK †gwkbwU µq Kiv DwPZ Ges †Kb? 4
L. A_©vq‡bi mvgvwRK `vqe×Zv ej‡Z Kx †evSvq? 2 8  Rbve ¯^cb Zvi Ajm A_© e‡Û wewb‡qvM Ki‡Z PvB‡Qb| wZwb eÛ evRvi
M. A_©vq‡bi †Kvb jÿ¨ we‡ePbvq Rbve ivwKe ÔKÕ †Kv¤úvwbi †kqvi AbymÜvb K‡i 2wU eÛ wbe©vPb K‡ib| Dfq e‡Ûi AwfwnZ g~j¨ 1,000
wK‡b‡Qb? e¨vL¨v Ki| 3 UvKv| cÖZ¨vwkZ Av‡qi nvi 10%| eÛ `ywUi Z_¨ wb‡P †Ìqv n‡jv :
N. Rbve wiqv‡ì ÔLÕ †Kv¤úvwbi †kqvi µq Kivi wPšÍvi mv‡_ Zzwg wK eÛ Kzcb my‡ì nvi evRvig~j¨ †gqv` cwicK¡ g~j¨
GKgZ? A_©vq‡bi j‡ÿï wfwË‡Z Zv we‡kølY Ki| 4 A 12% 1,100 UvKv  1,000 UvKv
3  Rbve Zvbwfi Mvwo µ‡qi Rb¨ wjwRs †Kv¤úvwb wj. n‡Z 5 jÿ UvKv FY B  600 UvKv 12 eQi 1,500 UvKv
MÖnY K‡i‡Qb| F‡Yi my‡ì nvi 10%| wZwb AvMvgx 4 eQie¨vcx cÖwZ eQi K. Kzcb eÛ Kx? 1
†k‡l mgcwigvY UvKv F‡Yi wKw¯Í wnmv‡e cwi‡kva Ki‡eb| L. Kvh©Kix g~jab aviYvwU Av‡jvPbv Ki| 2
K. A‡_©i mgqg~j¨ Kx? 1 M. A e‡Ûi PjwZ Av‡qi nvi wbY©q Ki| 3
L. my‡hvM e¨q ej‡Z Kx †evSvq? 2 N. e‡Ûi eZ©gvb g~j¨ we‡ePbvq ¯^c‡bi †Kvb e‡Û wewb‡qvM Kiv DËg?
M. Rbve Zvbwf‡ii F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3 we‡kølY Ki| 4
N. Rbve Zvbwf‡ii FY cwi‡kva m~wP ˆZwi K‡i wewfbœ eQ‡ii my‡ì 9  i‡qj †Kv¤úvwb wj. 2014 mv‡j 10 eQi †gqvw` 2,000 UvKv wjwLZ
cwigvY †`LvI| 4 g~‡jï eÛ evRv‡i Bmy¨ K‡i| hvi Kzcb nvi 12% Ges eÛ n‡Z cÖ‡qvRbxq
4  bvwnb 5 eQi ci GKwU gUi mvB‡Kj wKb‡Z B”QzK| 5 eQi ci gUi Av‡qi nvi 10%| e‡Ûi evRvig~j¨ 1,980 UvKv|
mvB‡KjwUi evRvig~j¨ n‡e 1,50,000 UvKv| Zvi evev GB j‡ÿ¨ †mvbvjx K. e‡Ûi evRvi Kx? 1
e¨vs‡K 70,000 UvKv GLb Rgv ivL‡Z Pvq| †mvbvjx e¨vsK 12% my` †`q L. cÖ‡qvRbxq Av‡qi nv‡ii mv‡_ e‡Ûi g~‡jï m¤úK© e¨vL¨v Ki| 2
hv gvwmK wfwË‡Z Pµe„w×KiY Kiv nq| M. DÏxc‡Ki Z_¨vbyhvqx i‡qj †Kv¤úvwb wj. Gi e‡Ûi YTM wbY©q Ki| 3
K. e„wË Kx? 1 N. hw` eÛwU Aa©evwl©K wfwË‡Z my` cÖ`vb K‡i Z‡e eÛwU µq Kiv
L. 69 wewawU eywS‡q wjL| 2 jvfRbK n‡e Kx? g~j¨vqb Ki| 4
M. DÏxc‡Ki Av‡jv‡K Kvh©Kix my‡ì nvi wbY©q Ki| 3 10  KY©dzjx wjwg‡UW 3,00,000 UvKv 'X' †Kv¤úvwbi †kqvi Ges 2,00,000
N. †gqv` †k‡l bvwnb Kx †gvUi mvB‡KjwU wKb‡Z mÿg n‡e? UvKv 'Y' †Kv¤úvwbi †kqv‡i wewb‡qvM Ki‡jb| wewfbœ A_©‰bwZK Ae¯’vq
MvwYwZKfv‡e hyw³ cÖ`k©b Ki| 4 †kqvi `yÕwUi Av‡qi nvi wb¤œiƒc :
5  Rbve wbkvb 9 eQi ci GKwU d¬vU µq Ki‡Z B”QzK| hvnvi g~j¨ ZLb n‡e A_©‰bwZK Av‡qi nvi
m¤¢vebv
1,50,00,000 UvKv| ZvB Rbve wbkvb B÷ e¨vs‡K 20,00,000 UvKv Rgv Ae¯’v X-†Kv¤úvwb Y-†Kv¤úvwb
ivL‡Z Pvq hvnv 9 eQi ci wZb¸Y n‡e| Aewkó 90,00,000 UvKv g›`v Ae¯’v 0.30 13% 10%
msMÖ‡ni Rb¨ wZwb b_© I mvD_ bv‡g `ywU e¨vs‡Ki mv‡_ †hvMv‡hvM Ki‡j ¯^vfvweK Ae¯’v 0.40 12% 11%
e¨vsK `ywU Rvbvq cÖ_gZ b_© e¨vsK cÖwZ gv‡mi †k‡l RgvK…Z A‡_©i Ici †ZwR Ae¯’v 0.30 16% 15%
evwl©K 12% Pµe„w× my` cÖ`v‡bi cÖ¯Íve †`q| wØZxqZ mvD_ e¨vsK cÖwZ K. CAPM Kx? 1
gv‡mi ïiæ‡Z RgvK…Z A‡_©i Dci 11% Pµe„w× my` cÖ`v‡bi cÖ¯Íve †`q| L. Avw_©K SzuwK Kxfv‡e m„wó nq? e¨vL¨v Ki| 2
K. bvwgK my‡ì nvi Kx? 1 M. 'X' I 'Y' †Kv¤úvwbi cÖZ¨vwkZ Av‡qi nvi wbY©q Ki| 3
L. wPi¯’vqx e„wË Kx? e¨vL¨v Ki| 2 N. KY©dzjx wjwg‡U‡Wi cÖZ¨vwkZ Av‡qi nvi 12% n‡j †cvU©‡dvwjI
wewb‡qv‡Mi †hŠw³KZv we‡kølY Ki| 4
M. DÏxcK Abyhvqx Rbve wbkv‡bi B÷ e¨vs‡K RgvK…Z A‡_©i my‡ì
11  Rbve wdRv MZ eQi `yÕwU wmwKDwiwUi mgš^‡q GKwU †cvU©‡dvwjI MVb
nvi wbY©q Ki| 3
K‡ib †hLv‡b Zuvi †cvU©‡dvwjI SzuwK wQj 15%| eZ©gv‡b wZwb wb‡¤œv³ `yÕwU
N. †gqv` †k‡l A_© D‡Ëvj‡bi Rb¨ †Kvb e¨vs‡K A_© Rgv ivLvi cÖ¯Íve wmwKDwiwUi mgš^‡q bZzb †cvU©‡dvwjI MVb Ki‡Z AvMÖnx :
Rbve wbkv‡bi MÖnY Kiv DwPZ e‡j Zzwg g‡b Ki? gZvgZ `vI| 4 wmwKDwiwU-P E(rp) = 7.5% p = 10% Wp = 40%
6  †e½j cvIqvi wj.-Gi wbKU 10 jÿ UvKvi wewb‡qvM‡hvM¨ Znwej i‡q‡Q| wmwKDwiwU-Q E(rp) = 10% Q = 20% WQ = 60%
†Kv¤úvwbi Avw_©K eë¯’vcK wewb‡qv‡Mi D‡Ï‡k¨ wb‡¤œv³ `ywU cÖKí g~j¨vqb P I Q wmwKDwiwU mn-m¤^Ü (rPQ) = 0.30
Ki‡Qb : K. AwbðqZv Kx? 1
cÖKí/eQi 0 1 2 3 NPV IRR L. †cvU©‡dvwjI MV‡bi D‡Ïk¨ Kx? e¨vL¨v Ki| 2
M (6,00,000) 1,00,000 3,00,000 4,00,000 39,370 .. M. Rbve wdRvi bZzb †cvU©‡dvwjI Av‡qi nvi wbY©q Ki| 3
N (7,50,000) 5,00,000 2,50,000 1,50,000 .. 12.40% N. Zzwg wK g‡b Ki bZzb †cvU©‡dvwjI MV‡bi wm×všÍ Rbve wdRvi Rb¨
†Kv¤úvwbi me©wb¤œ cÖ‡qvRbxq Av‡qi nvi 10%| Kg SzuwKc~Y© n‡e? gZvgZ `vI| 4

1  ˆPwZ wjwg‡UW 10% my‡` cÙv e¨vsK †_‡K 50,00,000 UvKv FY wbj Ges 7  ingvb mv‡ne bvwRqv †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb ÔKÕ I ÔLÕ `yÕwU
GKwU bZzb †gwkb µq Kij| 2019-20 A_©eQ‡i †Kv¤úvwb 10,00,000 cÖK‡íi †h‡Kv‡bv GKwU‡Z wewb‡qvM Ki‡Z Pv‡”Qb| cÖKí `ywUi Z_¨vewj
UvKv gybvdv AR©b Kij| cwiPvjbv cl©‡ì wm×všÍ Abyhvqx mgy`q gybvdv wb¤œiƒc :
†kqvi‡nvìvi‡ì g‡a¨ †kqvi Abycv‡Z eÈb Kij| wKšÍy 2020-21 cÖKí eQi (0) eQi-1 eQi-2 eQi-3 eQi-4
A_©eQ‡i KuvPvgvj wKb‡Z wM‡q †Kv¤úvwb †`Lj ch©vß bM` A_© †bB| ÔKÕ (50,000) 20,000 18,000 12,000 10,000
K. A_©vqb Kx? 1 ÔLÕ (50,000) 10,000 12,000 18,000 20,000
L. GKwU †Kv¤úvwb Kxfv‡e Zvi mvgvwRK `vwqZ¡ cvjb Ki‡Z cv‡i? evÆvi nvi 13%| ingvb mv‡ne cÖKí g~j¨vq‡bi †ÿ‡Î AvaywbK c×wZ
e¨vL¨v Ki| 2 cÖ‡qvM K‡ib|
M. DÏxc‡K ˆPwZ wjwg‡UW KZ…©K bZzb †gwkb µq A_©vq‡bi †Kvb K. g~jab ev‡RwUs Kx? 1
Kvh©vewji AšÍfz©³? e¨vL¨v Ki| 3 L. ci¯úi eR©bkxj cÖKí ej‡Z Kx †evS? 2
N. DÏxc‡K ˆPwZ wjwg‡UW KuvPvgvj µq Ki‡Z wM‡q †h mgm¨vq c‡o‡Q M. ÔKÕ cÖK‡íi cwi‡kvaKvj wbY©q Ki| 3
A_©vq‡bi bxwZgvjvi Av‡jv‡K †mwUi KviY we‡kølY Ki| 4 N. ingvb mv‡n‡ei †Kvb cÖKí wbe©vPb Kiv DwPZ? DË‡ii mc‡ÿ
2  hgybv †Kv¤úvwb †fv³v‡ì K_v wPšÍv K‡i c‡Yï gv‡bi Dci ¸iæZ¡ †`q †Zvgvi gZvgZ `vI| 4
Ges kÖwgK‡ì ¯^v_© we‡ePbv K‡ib| †Kv¤úvwbi †kqvi‡nvìvi‡ì mwVK 8  mvb wj. 10% Kzcb my‡ì nv‡i 1,000 UvKv AwfwnZ g~‡jï FYcÎ 5
jf¨vsk cÖ`vb K‡ib Ges cÖKí wewb‡qv‡M A‡_©i mgqg~j¨ we‡ePbv K‡ib eQ‡ii Rb¨ evRv‡i Bmy¨ Kij| 5 eQi ci FYcÎwU 10% Awanv‡i
d‡j †Kv¤úvwbi evRvi `ªæZ m¤úÖmvwiZ n‡”Q| cwi‡kva Kiv n‡e| FYcÎwU eZ©gv‡b 10% Aenv‡i weµq Kiv n‡”Q|
K. jf¨vsk wm×všÍ Kx? 1 K. Kj eÛ Kx? 1
L. Zvij¨ I gybvdvi g‡a¨ †Kgb m¤úK© we`¨gvb? e¨vL¨v Ki| 2 L. †Kv‡bv e‡Ûi AšÍwb©wnZ g~j¨ evRvig~j¨ A‡cÿv †ewk n‡j
M. hgybv †Kv¤úvwb A_©vq‡bi †Kvb `vwqZ¡ cvjb Ki‡Z‡Q? Av‡jvPbv Ki| 3 wewb‡qvMKvix Kx wm×všÍ MÖnY Ki‡e? e¨vL¨v Ki| 2
N. hgybv †Kv¤úvwb KZ©…K Abym„Z A_©vq‡bi jÿ¨wU Av‡jvPbv Ki| 4 M. mvb wj. Gi FYc‡Îi cÖK…Z g~j¨ KZ wQj? 3
3  wg. ivMxe GKwU Mvwo µq Ki‡Z Pvb| hvi µqg~j¨ eve` DËiv †gvUim N. mvb wj. Gi FYc‡Îi YTM wbY©q Ki| 4
†Kv¤úvwb‡K AvMvgx Pvi eQi h_vµ‡g 40,00,000 UvKv, 20,00,000 9  Rbve mv‡jn Avn¤§` GKRb wewb‡qvMKvix| wewb‡qvM Kivi Rb¨ Zvi
UvKv, 10,00,000 Ges 30,00,000 UvKv A_ev cÖwZ eQi 10,00,000 mvg‡b `ywU eÛ Av‡Q Zvi weeiY wb¤œiƒc :
UvKv K‡i AvMvgx 12 eQi cwi‡kva Ki‡Z n‡e| wg. ivMx‡ei cÖZ¨vwkZ eÛ Kzcb my‡ì nvi e‡Ûi evRvig~j¨ (UvKv) †gqv`
Av‡qi nvi 12%| X 14% 1,250 5 eQi
K. evwl©K e„wË Kx? 1 Y 13% 850 
L. fwel¨r g~j¨ ej‡Z Kx †evS? 2 Rbve mv‡jn Avn¤§‡ì cÖZ¨vwkZ Av‡qi nvi 12%| cÖwZwU e‡Ûi AwfwnZ
M. wg. ivMx‡ei Pvi eQi †gqvw` cÖK‡íi eZ©gvb g~j¨ wbY©q Ki| 3 g~j¨ 1,000 UvKv|
N. wg. ivMxe Kxfv‡e Mvwo µq Ki‡j jvfevb n‡eb? MvwYwZKfv‡e K. PwjZ BÛ Kv‡K e‡j? 1
e¨vL¨v Ki| 4 L. †gqv`c~wZ©‡Z Av‡qi nvi ej‡Z Kx †evS? 2
4  Rbve Avwei †mvbvjx e¨vsK wj. †_‡K evwl©K 12% my‡` 5,00,000 UvKv M. X e‡Ûi †gqv` c~wZ©‡Z Av‡qi nvi KZ? 3
FY †bb| AvMvgx 4 eQi cÖwZ eQ‡ii †k‡l wZwb F‡Yi wKw¯Í cwi‡kva N. Rbve mv‡jn& Avn¤§` †Kvb e‡Û wewb‡qvM Kiv DwPZ? 4
Ki‡eb| †mvbvjx e¨vs‡Ki g¨v‡bRvi Zv‡K GKwU FY cwi‡kva m~wP w`‡jb, 10  wg. AvRv` I wg. Rvnv½xi `yB eÜy hviv †kqvievRv‡i wewb‡qv‡M AvMÖnx| wg.
†mLv‡b cwi‡kvwaZ Avm‡ji cwigvY µgvMZ e„w× cv‡e| AvRv` wewb‡qv‡Mi Rb¨ `yBwU wmwKDwiwU we‡ePbv Ki‡Qb †hLv‡b wZwb
K. A‡_©i mgqg~j¨ Kx? 1 Av‡cwÿK SzuwK (Relative risk) cwigv‡ci gva¨‡g wm×všÍ MÖnY Ki‡eb|
L. mg‡qi cwieZ©b eZ©gvb g~j¨‡K Kxfv‡e cÖfvweZ K‡i? 2 wmwKDwiwUmg~‡ni Z_¨ wb¤œiƒc
M. Rbve Avwe‡ii F‡Yi wKw¯Íi cwigvY wbY©q Ki| 3 Av‡qi nvi
m¤¢vebv
N. ÒFY cwi‡kvwaZ m~wP‡Z Rbve Avwe‡ii cwi‡kvwaZ Avm‡ji cwigvY ÷K-X ÷K-Y
µgvMZ e„w× cv‡e|Ó Dw³wUi †hŠw³KZv MvwYwZKfv‡e we‡kølY Ki| 4 0.30 12% 19%
5  iDd mv‡n‡ei wbKU mwÂZ 60,00,000 UvKv Av‡Q hv wZwb †kqvi evRv‡i 0.30 16% 14%
e‡Û wewb‡qvM Ki‡Z Pvb hvi †gqv`Kvj 7 eQi Ges my‡ì nvi 12% Ges 0.20 18% 9%
gvwmK wfwË‡Z my` MYbv Kiv nq| wKšÍy Zvi GK eÜy iwb Zv‡K e‡Û 0.20 19% 11%
wewb‡qvM bv K‡i H A_© GKwU e¨vs‡K 7 eQ‡ii Rb¨ Rgv ivLvi civgk© Ab¨w`‡K wg. Rvnv½xi Ggb GKwU wmwKDwiwU‡Z wewb‡qv‡Mi wm×všÍ wb‡q‡Q hvi
†`b, †hLv‡b my‡ì nvi 12.5% Ges ˆÎgvwmK wfwË‡Z my` wnmve Kiv nq| †eUv 1.5| D‡jøL¨, evRvi Av‡qi nvi 12% Ges SzuwKgy³ Av‡qi nvi 5%|
Z‡e iDd mv‡ne e‡ÛB wewb‡qvM Ki‡eb e‡j wm×všÍ †bb| K. SzuwK Kx? 1
K. Kvh©Kix my‡ì nvi Kx? 1 L. SzuwK I gybvdvi g‡a¨ Kxiƒc m¤úK© we`¨gvb? e¨vL¨v Ki| 2
L. gy`ªvùxwZ Kxfv‡e A‡_©i µq ÿgZv‡K cÖfvweZ K‡i Zv e¨vL¨v Ki| 2 M. wg. Rvnv½x‡ii wmwKDwiwUi cÖ‡qvRbxq Av‡qi nvi wbY©q Ki| 3
M. iDd mv‡ne e‡Û wewb‡qvM Ki‡j †gqv` †k‡l KZ UvKv †diZ cv‡eb? 3 N. SzuwKi we‡ePbvq wg. AvRv‡ì †Kvb wmwKDwiwU‡Z wewb‡qvM Kiv
N. iDd mv‡n‡ei wm×všÍwU g~j¨vqb Ki| 4 DwPZ? we‡kølY Ki| 4
6  Rbve Gm Avjg GKwU †Kv¤úvwbi Avw_©K eë¯’vcK| wZwb GKwU cÖK‡í 11  mwRe dzWm wjwg‡UW Ges AvwKR dzWm wjwg‡UW Gi weMZ 4 eQ‡ii
wewb‡qv‡Mi wPšÍv Ki‡Qb| cÖK‡íi cÖv_wgK cÖv°wjZ bM` ewntcÖevn Av‡qi nvi wb¤œiƒc :
2,00,000 UvKv| cÖK‡íi †gqv` 4 eQi Ges fMœve‡kl g~j¨ †bB| †Kv¤úvwb eQi mwRe dzWm wj. Gi Av‡qi nvi AvwKR dzW&m wj. Gi Av‡qi nvi
w¯’i wKw¯Í c×wZ‡Z AePq avh© K‡i| cÖ‡qvRbxq Av‡qi nvi 10% Ges 2017 20% 15%
K‡c©v‡iU Ki 40%| cÖKíwUi cÖv°wjZ Kic~e© bM` AvšÍtcÖevn wb¤œiƒc : 2018 5% 20%
weeiY eQi-1 eQi-2 eQi-3 eQi-4 2019 10% 6%
Kic~e© bM` cÖevn (UvKv) 80,000 70,000 80,000 1,00,000 2020 15% 26%
K. ci¯úi eR©bkxj cÖKí Kx? 1 K. Avw_©K SzuwK Kx? 1
L. †c-e¨vK mgq c×wZ Kx? eywS‡q wjL| 2 L. evRvi SzuwK †Kb cwinvi Kiv hvq bv? e¨vL¨v Ki| 2
M. cÖKíwUi Mo gybvdvi nvi wbY©q Ki| 3 M. mwRe dzWm wjwg‡UW Gi Mo Av‡qi nvi wbY©q Ki| 3
N. cÖK‡íi wbU eZ©gvb g~j¨ wbY©q Ki Ges cÖK‡íi MÖnY‡hvM¨Zvi Ici N. †Kv¤úvwbØ‡qi SzuwKi gvÎv (we‡f`v¼) we‡ePbvq †Kvb †Kv¤úvwb‡Z
gšÍe¨ Ki| 4 wewb‡qvM Kiv hyw³hy³ n‡e? 4
61 G·K¬wz mf g‡Wj †U÷ 05 welq †KvW : 2 9 2

1  AvwRR wj. GKwU ¯^bvgab¨ cøvw÷K mvgMÖx Drcv`bKvix cÖwZôvb| cÖwZôvbwU mij‰iwLK wfwË‡Z AePq avh© K‡i| G‡ÿ‡Î †Kv¤úvwbi K‡ii
cÖwZôvbwU Kg©x‡ì mKj my‡hvM-myweav cÖ`v‡b m‡Pó _v‡K| GB cÖwZôvbwU nvi 40% Ges g~jab e¨q 13%|
Kg©x‡ì wPwKrmv †mev cÖ`vb, Zv‡ì mšÍvb‡ì wkÿv I wbqwgZ †Ljvayjv K. ¯^vaxb cÖKí Kx? 1
Kivi R‡b¨ wewfbœ ai‡bi eë¯’v MÖnY K‡i _v‡K| GQvovI cÖwZôvbwU L. wbU eZ©gvb g~j¨ Ges g~ja‡bi e¨‡qi g‡a¨ m¤úK© Kx? e¨vL¨v Ki| 2
gybvdvi GKwU Ask mvaviY mwÂwZ Znwe‡j Rgv iv‡L| cÿvšÍ‡i, mv¾v` M. iƒcmv wjwg‡U‡Wi Mo gybvdvi nvi wbY©q Ki| 3
†Kvs wj. weL¨vZ ˆZwi †cvkvK cÖ¯ÍyZKvix cÖwZôvb| cÖwZôvbwU Kg©x‡ì N. iƒcmv wjwg‡U‡Wi wK †gwkbwU µq Kiv DwPZ| wbU eZ©gvb g~‡jï
my‡hvM-myweavi cÖwZ †Zgb g‡bv‡hvM bv w`‡jI †kqvigvwjK‡ì wbqwgZ I wfwË‡Z †Zvgvi gZvgZ `vI| 4
m‡šÍvlRbK jf¨vsk cÖ`vb K‡i| d‡j evRv‡i †kqv‡ii Pvwn`v I g~j¨ e„w× 7  Rbve WvqgÛ 3 eQi †gqvw` ÔKÕ cÖK‡í wewb‡qv‡Mi wm×všÍ wb‡jb, hvi
cv‡”Q| Dfq †Kv¤úvwb eëmvq m¤úÖmvi‡Yi †Póv Pvwj‡q hv‡”Q hvi d‡j g~j¨gvb 85,000 UvKv Ges fMœve‡kl g~j¨ 10,000 UvKv cÖK‡íi
bZzb K‡i g~ja‡bi Pvwn`v m„wó n‡”Q| KicieZ©x bM` AvšÍtcÖevn 58,000, 47,000 I 33,000 UvKv|
K. Znwej eÈb Kx? 1 cÿvšÍ‡i, dvnv` 90,000 UvKvq 3 eQi †gqvw` ÔLÕ cÖKí MÖn‡Yi Avkv
L. SzuwK I gybvdvi m¤úK© e¨vL¨v Ki| 2 K‡ib| GB cÖK‡íiI KicieZ©x Avq h_vµ‡g 58,000, 52,500 I
M. DÏxc‡K `ywU †Kv¤úvwbi g‡a¨ †Kvb †Kv¤úvwb eëmv‡qi mvgvwRK 37,000 UvKv| Dfq cÖK‡íi evÆvi nvi 11% Ges Ki nvi 30%|
`vwqZ¡ cvjb K‡i? DÏxc‡Ki Av‡jv‡K hyw³ †`LvI| 3 K. g~jab ev‡RwUs Kx? 1
N. DÏxc‡K mv¾v` †Kvs wj.-Gi eëmvq m¤úÖmvi‡Yi Rb¨ Kxfv‡e
L. NPV KLb k~b¨ nq? e¨vL¨v Ki| 2
g~jab msMÖn Kiv DwPZ e‡j Zzwg g‡b Ki? DË‡ii c‡ÿ hyw³ `vI| 4
M. cÖKí ÔKÕ Gi NPV wbY©q Ki| 3
2  Rbve ivDd G‡c· wjwg‡U‡Wi Avw_©K eë¯’vcK| †Kv¤úvwbi Znwe‡j
N. Rbve Wvqg‡Ûi wewb‡qvM‡hvM¨ A‡_©i cwigvY hw` 92,000 UvKv
AwZwi³ Ajm A_© c‡o _vKvq wZwb †ew·g‡Kv wjwg‡U‡Wi Bmy¨K…Z 2,000
nq, Z‡e wZwb †Kvb cÖKí MÖnY Ki‡eb Ges †Kb? 4
†kqvi 10 jÿ UvKv w`‡q µq K‡ib| ZvQvov †Kv¤úvwbi mybvg e„w×i j‡ÿ¨
wZwb †`‡ki wefvMxq kni¸‡jv‡Z cvewjK jvB‡eªwi ¯’vc‡bi wm×všÍ wb‡q‡Qb| 8  hgybv †Kv¤úvwb GK ai‡bi eÛ evRv‡i Bmy¨ K‡i‡Q †hLv‡b wewb‡qvMKvixiv
K. msiwÿZ gybvdv Kx? 1 †Kv‡bv my` cv‡e bv| Z‡e †gqv`c~wZ©‡Z e‡Ûi AwfwnZ g~j¨ †diZ cv‡e|
L. miKvwi A_©vqb ej‡Z Kx †evS? e¨vL¨v Ki| 2 eÛwU AwfwnZ g~j¨ n‡Z Kg g~‡j¨ wewµ n‡q‡Q| Ab¨w`‡K, Rbve Bgb MN
M. Rbve ivDd †ew·g‡Kv wj. Gi †kqvi µq K‡i A_©vq‡bi †Kvb †Kv¤úvwbi wPi¯’vqx e‡Û wewb‡qv‡Mi wPšÍvfvebv Ki‡Qb| e‡Ûi AwfwnZ
Kvh©vewj m¤úbœ K‡i‡Qb? e¨vL¨v Ki| 3 g~j¨ 1,000 UvKv Ges evRvig~j¨ 1,200 UvKv| Kzcb my‡ì nvi 15%|
N. cvewjK jvB‡eªwi ¯’vc‡bi gva¨‡g G‡c· wj. †Kvb c‡ÿi cÖwZ Rbve Bg‡bi cÖ‡qvRbxq Av‡qi nvi 10%|
mvgvwRK `vwqZ¡ cvjb K‡i‡Q? Gi †hŠw³KZv we‡kølY Ki| 4 K. wR‡iv Kzcb eÛ Kx? 1
3  Rbve Kwig cÖwZgv‡m 2,000 UvKv Rgvi wfwË‡Z 5 eQi †gqvw` GKwU L. eÛ †Kb Zje Kiv nq? e¨vL¨v Ki| 2
e¨vs‡K we‡kl mÂqx wnmve †Lv‡jb| e¨vsK 10% my` w`‡e| M. hgybv †Kv¤úvwb †Kvb ai‡bi eÛ Bmy¨ K‡i‡Q? e¨vL¨v Ki| 3
K. my‡hvM e¨q Kx? 1 N. Rbve Bg‡bi MN †Kv¤úvwbi e‡Û wewb‡qvM Kivi †hŠw³KZv
L. A‡_©i mgqg~j¨ ej‡Z Kx †evSvq? 2 we‡kølY Ki| 4
M. Rbve Kwig 5 eQi ci e¨vsK †_‡K KZ UvKv cv‡eb? wbY©q Ki| 3 9  ABC †Kv¤úvwb kZKiv 15 UvKv nv‡i 10 eQi †gqvw` eÛ Bmy¨ K‡i‡Q| hvi
N. hw` my‡ì nvi 2% e„w× cvq Zvn‡j †gqv` †k‡l Rbve Kwig KZ wjwLZ g~j¨ 1,000 UvKv| my` evwl©K wKw¯Í‡Z cÖ`vb Kiv nq| eÛwU eZ©gv‡b
UvKv cv‡eb? we‡kølY Ki| 4 evRv‡i 1,200 UvKvq wewµ Kiv n‡”Q|
4  Rbve †mŠif Rwg wewµ K‡i 2,00,000 UvKv Ges evwo wewµ K‡i K. PjwZ Bì Kx? 1
5,00,000 UvKv †c‡jb hv e¨vs‡K 10 eQ‡ii Rb¨ ¯’vqx wnmve Ly‡j Rgv L. mvaviY †kqvigvwjK‡ì †Kb me©‡kl `vwe`vi ejv nq? 2
ivLvi wm×všÍ wb‡jb| wZwb Rvb‡Z cvi‡jb, Rev e¨vs‡K Rgv ivL‡j 7 eQi M. ABC †Kv¤úvwbi †gqv`c~wZ©‡Z Av‡qi nvi wbY©q Ki| 3
†k‡l 10,00,000 UvKv cv‡eb Ges Kzmyg e¨vs‡K ivL‡j 8 eQi †k‡l N. hw` eÛwU 3 eQi ci 5% Aenv‡i Zej Kiv nq Z‡e ZjeK…Z
11,00,000 UvKv cv‡eb| g~‡j¨ Av‡qi nvi wbY©q Ki| 4
K. mgq †iLv Kx? 1 10  Gwkqv ÷K A I ÷K B m¤ú‡K© wb‡Pi Z_¨mg~n msMÖn K‡i‡Qb :
L. Òmy` I gybvdv GKB A_© enb K‡i bvÓ e¨vL¨v Ki| 2 A_©‰bwZK m¤¢vebv Av‡qi nvi Av‡qi nvi
M. DÏxc‡Ki Av‡jv‡K Rev e¨vs‡Ki my‡ì nvi KZ? 3 Ae¯’v (%) ÷K A ÷K B
N. Rbve †mŠi‡fi †Kvb e¨vs‡K UvKv Rgv †Ìqv AwaK jvfRbK n‡e?
g›`vfve 10% 10% 25%
my‡ì nv‡ii wfwË‡Z †Zvgvi gZvgZ `vI| 4
5  wg‡mm †gvbvwjmv Rwg weµq K‡i 2,00,000 bM` msMÖn K‡i| D³ UvKv ¯^vfvweK Ae¯’v 40% 30% 30%
wZwb e¨vs‡K Rgv ivLvi wm×všÍ MÖnY K‡i| Zvi Kv‡Q `ywU weKí i‡q‡Q| Pv½vfve 50% 40% 35%
¯‹jvi e¨vs‡K 5 eQ‡ii Rb¨ Rgv ivL‡j evwl©K 10% nv‡i Aa©evwl©K K. CAPM Kx? 1
Pµe„w× my` cÖ`vb Ki‡e| ivR¯’vb e¨vsK GKB mg‡qi Rb¨ evwl©K 9.50% L. Avw_©K SzuwK ej‡Z Kx †evSvq? 2
nv‡i ˆÎgvwmK Pµe„w× my` cÖ`vb Ki‡e| M. ÷K A Gi cwiwgZ eëavb wbY©q Ki| 3
K. evwl©K e„wË Kv‡K e‡j? 1 N. DÏxc‡K †Kvb ÷KwU †ewk SzuwKc~Y©? gšÍe¨ Ki| 4
L. wgkÖ bM` cÖevn ej‡Z Kx †evSvq? 2 11  Rbve Kv‡ì GKRb bZzb wewb‡qvMKvix| wZwb bZzb cÖK‡í A_© wewb‡qvM
M. ¯‹jvi e¨vs‡K RgvK…Z A‡_©i fwel¨Z g~j¨ KZ? 3 Ki‡eb| Zvi we‡eP¨ `ywU †Kv¤úvwbi Z_¨vw` wb¤œiƒc :
N. wg‡mm †gvbvwjmvi †Kvb e¨vs‡K UvKv Rgv ivLv DwPZ? 4 †Kv¤úvwb cÖZ¨vwkZ Av‡qi nvi cwiwgZ eëavb
6  iƒcmv wjwg‡UW Zv‡ì cÖwZôv‡bi Rb¨ GKwU †gwkb †Kbvi K_v fve‡Q hvi A 14% 9%
µqg~j¨ 3,00,000 UvKv Ges †gqv`Kvj 5 eQi| D³ †gwk‡bi m¤¢ve¨ B 12% 8%
bM` cÖevnmg~n wb¤œiƒc :
A I B †Kv¤úvwbi mn-m¤^Ü 0.80, Rbve Kv‡ì Dfq †Kv¤úvwb‡Z mgvb
eQi bM` cÖevn (UvKv) fv‡M wewb‡qvM Ki‡eb|
1 1,00,000 K. Avw_©K SzuwK Kx? 1
2 1,10,000 L. SzuwK cwigv‡ci DËg cwigvcK †KvbwU? e¨vL¨v Ki| 2
3 1,05,000 M. †cvU©‡dvwjI Av‡qi nvi wbY©q Ki| 3
4 1,07,000 N. †cvU©‡dvwjI SzuwK wbY©q Ki Ges †Kv¤úvwb A I B Gi SzuwKi mv‡_
5 1,15,000 Zzjbvg~jK we‡kølY Ki| 4
G·K¬zwmf g‡Wj †U÷ I DËigvjv : eûwbe©vPwb

1. A_©vq‡bi g~j welqe¯‘ Kx?  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : 21. evwl©K Pµe„w×i aviv †KvbwU?
K kÖg L cwiKíbv w`bvi †UªwWs `yB cÖK‡íi g‡a¨ GKwU cÖK‡í K 69 L 70
M Znwej N Drcv`b wewb‡qvM 2,00,000 UvKv Ges Avqy®‹vj 5 M 71 N 72
2. miKvwi A_©vqb Kxiƒc nq? eQi| A cÖKí †_‡K AvMvgx 5 eQi bM` 22. †h e„wË‡Z AvšÍtcÖevn ev ewntcÖevn wbw`©ó
K e¨q  Avq L e¨q = Avq AvšÍtcÖev‡ni cwigvY h_vµ‡g 1,00,000 mg‡qi ïiæ‡Z msNwUZ nq Zv‡K †Kvb
M e¨q  Avq N e¨q < Avq UvKv, 70,000 UvKv, 60,000 UvKv, 50,000 ai‡bi e„wË e‡j?
3. m¤ú` me©vwaKi‡Y wb‡Pi †KvbwU we‡ePbv UvKv I 30,000 UvKv| B cÖKí †_‡K 5 eQi K mvaviY evwl©K e„wË
Kiv nq bv? †k‡l 3,20,000 UvKv AvšÍtcÖevn n‡e| L AwMÖg evwl©K e„wË
K †kqvi g~j¨ e„w× L SzuwK cwigvY gvwjK cÖwZôv‡bi g~j jÿ¨ AR©b Ki‡Z Pvb| M wejw¤^Z evwl©K e„wË
M ¯^í‡gqvw` gybvdv N Drcv`b 13. w`bvi †UªwWs `ywU cÖK‡íi g‡a¨ GKwU cÖK‡í N wPi¯’vqx evwl©K e„wË
4. gybvdv AR©‡bi D‡Ï‡k¨ †h A_©vqb MwVZ wewb‡qv‡M Ki‡Qb Zv †Kvb Kvh©vewji AšÍfz©³? 23. Kvh©Kix my‡ì nvi wbY©‡qi m~Î †KvbwU?
I cwiPvwjZ nq Zv‡K Kx e‡j? K Znwej eÈb L Znwej msMÖn K EIR = (1 + i)n  1
K eëmvq A_©vqb L Aeëmvq A_©vqb M g~ajb ev‡RwUs i m
M miKvwi A_©vqb N Avw_©K eë¯’vcbv N PjwZ m¤ú` eë¯’vcbv
5. AvšÍR©vwZK A_©vq‡bi Av‡jvP¨ welq n‡”Q 14. w`bvi †UªwWs-Gi A cÖK‡íi PBP KZ n‡e?
L EIR = 1 + ( ) m
1
i mn
i. Avg`vwb I ißvwb
ii. gy`ªvi wewbgq nvi
K 2.3 eQi
M 3.0 eQi
L 2.5 eQi
N 3.5 eQi
M EIR = 1 + ( ) m
1
i n
iii. ê‡`wkK wewb‡qvM
15. dvinvbv GÛ †Kv¤úvwbi cÖK‡íi Mo N EIR = 1 + ( ) m
1
DcvR©b nvi (ARR) 20% Ges Mo 24. †Kvb Z‡Ë¡ weUv () Øviv SzuwK cwigvY Kiv nq?
K i I ii L i I iii M ii I iii N i, ii I iii wewb‡qvM 5,00,000 UvKv n‡j, cÖKíwUi K CAPM L WACC
6. A_©vq‡bi cÖavb KvR Kx? Mo wbU gybvdv KZ? M DPS N EPS
K eë¯’vcbv L Kg©x msMÖn K 91,000 UvKv L 1,00,000 UvKv 25. †KvbwU Abv`vq SzuwKgy³ wewb‡qvM?
M Znwej eë¯’vcbv N Znwej msMÖn M 1,23,000 UvKv N 1,28,000 UvKv K 8% my‡` miKvwi mÂqcÎ µq
7. 'Finance' kãwU †Kvb kã †_‡K D™¢‚Z n‡q‡Q? 16. †h‡Kv‡bv bM` cÖev‡ni eZ©gvb g~j¨ wbY©q L 10% my‡` e¨vsK Rgv
K j¨vwUb kã 'Finis' Ki‡Z †KvbwUi cÖ‡qvRb? M 14% my‡` Kzcb eÛ µq
L j¨vwUb kã 'Financial' K wbU gybvdv L evÆvi nvi N 11% my‡` †kqvi µq
M wMÖK kã 'Fintos' M wbU eZ©gvb g~j¨ N mvwe©K e¨q 26. GKwU eëmvq cÖwZôv‡bi cÖwZwU wm×v‡šÍi
N Bs‡iwR kã 'Financial' 17. A‡_©i eZ©gvb I fwel¨r g~j¨ mgvb nq mv‡_ Kx RwoZ _v‡K?
8. †Kvb c×wZ‡Z evÆvK…Z bM` cÖevn i. hLb i = 0 K jvf L ÿwZ
cÖ‡qvRb nq bv? ii. hLb i = 1 M SzuwK N m¤¢vebv
K Mo gybvdv nvi c×wZ iii. hLb n = 0
L Af¨šÍixY gybvdvi nvi c×wZ 27. gy`ªvùxwZi Kvi‡Y ev‡o
M wbU eZ©gvb g~j¨ c×wZ i. wewb‡qvM
N gybvdv AR©b ÿgZvi m~PK c×wZ ii. Drcv`b LiP
9. g~jab ev‡RwUs n‡jv iii. KuvPvgv‡ji g~j¨
wg. Avjx gv‡K©›UvBj e¨vs‡Ki GKwU w¯‹‡g wb‡Pi †KvbwU mwVK?
i. wewb‡qvM wm×všÍ MÖnY cÖwµqv 1,00,000 UvKv Rgv iv‡Lb| gv‡K©›UvBj
ii. m‡e©vËg cÖKí wbe©vPb cÖwµqv K i I ii L i I iii M ii I iii N i, ii I iii
e¨vs‡Ki GB w¯‹‡g 5 eQ‡i 10% nv‡i
iii. Kg SzuwK‡Z †ewk gybvdv AR©bKvix Pµe„w× my` cv‡eb| 28. cÎ‡Kv‡li Av`k© eëav‡bi m~Î D™¢veb
cÖKí wPwýZKiY cÖwµqv 18. wg. Avjxi e¨vs‡K RgvK…Z UvKv‡K †Kvb K‡ib †K?
wb‡Pi †KvbwU mwVK? ai‡bi bM` cÖev‡ni AšÍfz©³ Kiv nq? K gwWwMøqvwb L wgjvi
K i I ii L i I iii M ii I iii N i, ii I iii M wjUbvi N gvi©KzBR
K mvaviY evwl©K e„wË
10. `xN©‡gqvw` Avw_©K wewb‡qvM‡K Kx e‡j? L AwMÖg evwl©K e„wË  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
K g~jab ev‡RwUs L Acv‡iwUs ev‡RwUs b~i wj. SzuwKgy³ Av‡qi nvi 6%, gv‡K©U
M GKKvjxb bM` cÖevn
M AvšÍR©vwZK ev‡RwUs N Af¨šÍixY A_©vqb
N wgkÖ bM` cÖevn †cvU©‡dvwjI Av‡qi nvi 10% Ges weUv
11. cÖK‡íi jvfRbKZvi wePvi K‡i AMÖvwaKv‡ii
wfwË‡Z g~ja‡bi eivÏ †Ìqv‡K Kx e‡j? 19. wg. Avjx 5 eQi †k‡l KZ UvKv cv‡eb? mnM 1.5|
K g~jab e¨q L g~ja‡bi ch©vßZv K 1,51,051 L 1,61,051 29. b~i wj.-Gi SzuwK wcÖwgqvg KZ?
M g~jab ev‡RwUs N g~jab †ikwbs M 1,60,000 N 1,50,000 K 4% L 6%
12. †h‡ÿ‡Î GKwU cÖKí MÖnY Kiv n‡j Aci cÖKíwU 20. mg‡qi cwieZ©‡bi mv‡_ mv‡_ A‡_©i M 9% N 10%
Aek¨B evwZj Ki‡Z n‡e Zv‡K Kx e‡j? g~‡jï cwieZ©b‡K Kx e‡j? 30. b~i wj.-Gi cÖZ¨vwkZ Av‡qi nvi KZ?
K ¯^vaxb cÖKí L cwic~iK cÖKí K A‡_©i fwel¨r g~j¨ L A‡_©i eZ©gvb g~j¨ K 10% L 12%
M ci¯úi eR©bkxj N wbf©ikxj cÖKí M A‡_©i mgqg~j¨ N A‡_©i AZxZ g~j¨ M 15% N 16%
1 M 2 K 3 K 4 K 5 N 6 N 7 K 8 K 9 N 10 K 11 N 12 M 13 M 14 L 15 L
16 L 17 L 18 M 19 L 20 M 21 N 22 L 23 L 24 K 25 K 26 M 27 M 28 N 29 L 30 L

1. eëmv‡qi PjwZ g~jab wbf©i K‡i †k‡l mgcwigvY wKw¯Í‡Z FY cwi‡kva wb‡Pi †KvbwU mwVK?
†KvbwUi Ici? Ki‡Z n‡e| wKw¯Íi cwigvY 1,00,000 K i I ii L i I iii M ii I iii N i, ii I iii
K A_©vq‡bi Dr‡mi UvKvi cÖ_g wKw¯Í‡Z Avmj cwi‡kva n‡e 21. FYMÖnxZv †Kvb eÛ cybtµq K‡i e‡Ûi
L Znwe‡ji †gqv‡ì 49,717 UvKv| Aemvqb NUv‡Z cv‡ib?
M m¤ú‡ì myôz eënv‡ii 12. wg‡mm mvnv KZ % my‡` FY MÖnY K‡i‡Q? K BbKvg eÛ L Kj eÛ
N eëmv‡qi gybvdvi K 10 L 15 M 18 N 50 M wbewÜZ eÛ N cyU eÛ
2. FY I BKz¨BwU g~ja‡bi wgkÖY‡K Kx ejv nq? 13. FY cwi‡kva m~wP‡Z mgq AwZevwnZ nIqvi 22. †KvbwUi gva¨‡g g~ja‡bi m‡e©v”P eënvi
K g~jab KvVv‡gv L g~jab eë¯’vcbv mv‡_ mv‡_ wbwðZ Kiv nq?
M g~jab e¨q N ¯^í‡gqvw` g~jab K g~jab †ikwbs L g~jab KvVv‡gv
i. my‡ì cwigvY n«vm cvq
3. g~jab ev‡RwUs wm×všÍ we‡ePbv Kiv nq M g~jab ev‡RwUs N g~jab wewb‡qvM
ii. Avmj cwi‡kva e„w× cvq
i. A‡_©i mgqg~j¨ 23. g~jab ev‡RwUs-Gi †Kvb †KŠkjwU A‡_©i
iii. Avmj cwi‡kva n«vm cvq
ii. SzuwKi gvÎv mgqg~j¨‡K we‡ePbv K‡i bv?
wb‡Pi †KvbwU mwVK? i. NPV
iii. jf¨vsk K i I ii L i I iii M ii I iii N i, ii I iii ii. ARR
wb‡Pi †KvbwU mwVK? 14. eQ‡i 1 evi Pµe„w× Kiv n‡j GKKvjxb A‡_©i iii. PI
K i I ii L i I iii M ii I iii N i, ii I iii wb‡Pi †KvbwU mwVK?
†ÿ‡Î wb‡Pi †KvbwU fwel¨r g~j¨ wbY©‡qi m~Î?
 DÏxcKwU c‡o 4bs cÖ‡kœi DËi `vI : K ii L iii M ii I iii N i, ii I iii
r nm
Rbve iwng wbR GjvKvq 5,00,000 UvKv
wewb‡qvM K‡i GKwU eëmvq Pvjy Kivi
K FV = PV ( )1 +
m  DÏxcKwU c‡o 24 I 25bs cÖ‡kœi DËi `vI :
†gNbv †Kv¤úvwb wj. 60,000 UvKvi GKwU
L FV = PV (1 + r)n
K_v fve‡Qb| eëmvqwU cwiPvjbvq Zvi M PV = FV (1 + r)n †gwkb µq Kij| †gwkb †_‡K AvMvgx 1g
5/6 Rb Kg©Pvixi cÖ‡qvRb| GKRb mr r nm I 2q eQi h_vµ‡g 40,000 UvKv I
eëmvqx wn‡m‡e wZwb †UªW jvB‡mÝ Kiv N PV = FV 1 + ( )
Ges wbqwgZ Ki cwi‡kv‡ai wPšÍv Ki‡Qb|  DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI :
m 50,000 UvKv AvšÍtcÖevn NU‡e e‡j
aviYv Kiv nq| 1g eQi †k‡l †givgZ
4. DÏxc‡Ki Rbve iwn‡gi Kvh©µg‡K †gmvm© mvnv †UªwWs 5 eQ‡ii Rb¨ 15 jÿ eve` LiP 10,000 UvKv Ges †Kv¤úvwbi
A_©vq‡bi †Kvb ai‡bi Kvh©µg ejv hv‡e? UvKv AMÖYx e¨vsK n‡Z FY wb‡jb| my‡hvM e¨q 10% n‡j
K A_©vqb Kvh©µg L FYMÖnY Kvh©µg
cÖwZôvbwU †ejyb c×wZi gva¨‡g mgvb 24. †gNbv †Kv¤úvwbi wj.-Gi †gvU bM`
M wewb‡qvM Kvh©µg N mvgvwRK Kvh©µg ewntcÖevn KZ UvKv?
wKw¯Í‡Z FY cwi‡kva Ki‡Z Pvq| K 58,091 L 69,091
5. n¨vwi gv‡K©vBR Gi Ô†cvU©‡dvwjIÕ ZË¡ K‡e
cÖYxZ n‡qwQj? 15. evwl©K Avmj wKw¯Íi cwigvY KZ? M 70,000 N 78,091
K 3,00,000 L 3,10,000 25. cÖKíwUi wbU eZ©gvb g~j¨ KZ UvKv?
K 1952 L 1970 M 1972 N 1991
M 3,20,000 N 3,30,000 K 8,594 L 8,595
6. wb‡Pi †KvbwU A_© eë¯’vi D‡Ïk¨ bq?
K gybvdv me©vwaKiY L m¤ú` me©vwaKiY 16. 5 eQi ci mvnv †Uª w Ws Gi FY KZ _vK‡e? M 17,500 N 17,686
M jf¨vsk me©vwaKiY N e¨q n«vmKiY K0 L 1,00,000 26. †kqv‡ii g~j¨ e„w×i d‡j jvf‡K Kx ejv nq?
7. GKK e¨w³i Pvwn`v Kx‡mi AšÍf³ z© ? M 2,00,000 N 3,00,000 i. g~jabx jvf
K e¨wóK A_©bxwZ L mvgwóK A_©bxwZ 17. eÛ mvaviYZ Kqfv‡M Bmy ¨ Kiv nq? ii. m¤úwË weµqRwbZ jvf
M †hvMvb N Pvwn`v K2 L3 M4 N5 iii. †gvU jvf
8. e¨vs‡K UvKv Rgv ivL‡j Kx‡mi wfwË‡Z 18. e‡Ûi Kz c b †iU e„ w × †c‡j wb‡Pi †KvbwU NU‡e? wb‡Pi †KvbwU mwVK?
Pµe„w× nq? K PjwZ Bì e„w× cv‡e K i I ii L i I iii M ii I iii N i, ii I iii
K mvßvwnK wfwË‡Z L gvwmK wfwË‡Z L eZ©gvb g~j¨ n«vm cv‡e 27. eëmv‡qi `„wó‡KvY †_‡K SzuwKi Drm n‡jv
M ˆ`wbK wfwË‡Z N evwl©K wfwË‡Z M wjwLZ g~ j ¨ n« v m cv‡e i. eëmvwqK SzuwK
9. FY cwi‡kv‡ai ZvwjKvq †KvbwU µgvš^‡q N †gqv`c~wZ©‡Z Av‡qi nvi n«vm cv‡e ii. Avw_©K SzuwK
iii. evRvi SzuwK
Kg‡Z _v‡K?  DÏxcKwU c‡o 19 I 20bs cÖ‡kœi DËi `vI :
K my‡ì cwigvY L Avm‡ji cwigvY bxwjgv wj. `xN©‡gqvw` GKwU cÖK‡í A_©vq‡bi wb‡Pi †KvbwU mwVK?
M wKw¯Íi cwigvY N my` I Avmj cÖ‡qvR‡b jf¨vsk bM‡` cÖ`vb bv K‡i, Zvi 28. evRvi SzuwKi Av`k© gvb KZ?
10. cÖ‡`q evwl©K e„wËi eZ©gvb g~j¨ wba©vwiZ cwie‡Z© gvwjKMY‡K †kqvi cÖ`vb Ki‡jb| K0 L 0.10 M 1.0 N 1.5
nq eQ‡ii wKš‘ gvwjKM‡Yi cÖvwß cÖZ¨vkvi †ewk nIqvq 29. †cvU©‡dvwjI SzuwK me‡P‡q Kg n‡e hLb
K †k‡l L cÖ_‡g bxwjgv wj. wbw`©ó g~jab e¨‡qi nvwZqv‡ii i. mn-m¤^‡Üi gvb k~b¨
M gvSvgvwS N cieZ©x‡Z gva¨‡g A_©msMÖ‡ni wm×všÍ wb‡jb| ii. mn-m¤^‡Üi gvb FYvZ¥K n‡e
11. Pµe„w×Ki‡Yi msL¨vi mv‡_ fwel¨r 19. bxwjgv wj. cÖ_‡g †Kvb ai‡bi †kqvi Bmy¨ K‡iwQj? iii. mn-m¤^‡Üi gvb abvZ¥K n‡e
g~‡jï m¤úK© Kxiƒc? K mvaviY †kqvi L AMÖvwaKvi †kqvi wb‡Pi †KvbwU mwVK?
K EaŸ©gyLx L wb¤œgyLx M AwaKvi †kqvi N †evbvm †kqvi Ki L ii M iii N i, ii I iii
M wbi‡cÿ N mgvbycvZ 20. bxwjgv wj. wØZxq ch©v‡q †KvbwUi gva¨‡g 30. GKwU wmwKDwiwUi cÖ‡qvRbxq Av‡qi nvi
 DÏxcKwU c‡o 12bs cÖ‡kœi DËi `vI : A_©vq‡bi wm×všÍ wbj? 20%| evRvi Av‡qi nvi 10% Ges
wg‡mm mvnv hš¿cvwZ AvaywbKxKi‡Yi Rb¨ i. wW‡eÂvi SzuwKgy³ Av‡qi nvi 5%| weUvi gvb 2|
†mvbvwj e¨vsK n‡Z 5 eQ‡ii Rb¨ 3,35,220 ii. mvaviY †kqvi Zvn‡j evRvi SzuwK wcÖwgqvg KZ?
UvKv FY wb‡q‡Q| AvMvgx 5 eQ‡i cÖ‡Z¨K eQi iii. AMÖvwaKvi †kqvi K 5% L 10% M 15% N 20%
1 L 2 K 3 K 4 M 5 K 6 K 7 K 8 L 9 K 10 L 11 K 12 L 13 K 14 L 15 K
16 K 17 L 18 K 19 N 20 L 21 L 22 K 23 K 24 L 25 L 26 K 27 K 28 M 29 L 30 K

1. Pµe„w×i msL¨v e„w× †c‡j †Kvb g~j¨ e„w× cv‡e? 11. CAPM-Gi AbywgZ kZ©vewj n‡jv 22. †Kv‡bv cÖKí MÖnY Kiv n‡j Ab¨ cÖKí¸‡jv
K eZ©gvb g~j¨ L fwel¨r g~j¨ i. A_©bxwZ‡Z †Kv‡bv gy`ªvùxwZ _vK‡e bv Aek¨B evwZj Ki‡Z n‡e| ZLb H
M wbU g~j¨ N †gvU g~j¨ ii. g~jab evRvi `ÿ n‡e bv cÖKí‡K Kx e‡j?
2. m¤ú` me©vwaKi‡Yi wb‡`©kK †KvbwU? iii. †Kv‡bv AvqKi _vK‡e bv K ¯^vaxb cÖKí
wb‡Pi †KvbwU mwVK? L ci¯úi eR©bkxj cÖKí
K †kqvicÖwZ Avq
K i I ii L i I iii M ii I iii N i, ii I iii M wbf©ikxj cÖKí N eûgyLxKiY cÖKí
L †kqvicÖwZ jf¨vsk
12. †Kv‡bv cÖK‡íi cÖv_wgK wewb‡qvM 50,000 UvKv 23. FY`vZv I FYMÖnxZvi g‡a¨ Pzw³e× my‡ì
M †kqv‡ii weMZ eQ‡ii g~j¨
4 eQ‡i cÖvß bM` cÖev‡ni eZ©gvb g~j¨ 60,000 nvi‡K Kx e‡j?
N †kqv‡ii eZ©gvb evRvig~j¨ UvKv n‡j, cÖK‡íi wbU eZ©gvb g~j¨ KZ? K mij my‡ì nvi L ¯’vqx my‡ì nvi
3. cÖZ¨vwkZ gybvdvi nvi A‡cÿv cÖK…Z gybvdvi K (50,000) L (10,000) M bvwgK my‡ì nvi N cÖK…Z myy‡ì nvi
nvi wfbœ nIqvi m¤¢vebv‡K Kx ejv nq? M 10,000 N 50,000 24. wb‡Pi †KvbwU A_©vq‡bi KvR bq?
K wbU gybvdv L †gvU gybvdv 13. ˆÎgvwmK Pµe„w×i †ÿ‡Î Pµe„w×i msL¨v K Znwej msMÖn
M SzuwK N AwbðqZv KZ n‡e? L `xN©‡gqvw` wewb‡qvM wm×všÍ
4. ¯’vqx m¤úwË‡Z g~jab wewb‡qv‡Mi cÖwµqv‡K K3 L4 M6 N 12 M evRviRvZKiY N jf¨vsk eÈb
Kx ejv nq? 14. †Kv‡bv m¤úwËi A_©‰bwZK RxebKvj †k‡l 25. hw` cÖwZ eQi mgcwigvY UvKv Rgv †Ìqv nq
K A‡_©i mgqg~j¨ L g~jab e¨q †h g~j¨ cvIqv hvq, Zv‡K Kx e‡j? ev D‡Ëvjb Kiv nq, Z‡e Zv‡K Kx e‡j?
K AePq L eZ©gvb g~j¨ K evwl©Kx L Pµe„w×KiY
M g~jab ev‡RwUs N jf¨vsk bxwZ
M fMœve‡kl g~j¨ N cy¯ÍK g~j¨ M eZ©gvb g~j¨ N fwel¨r g~j¨
5. †Kvb SzuwK cwinvi Kiv hvq bv? 15. KZ mv‡j A_©‰bwZK gnvg›`v †`Lv †`q? 26. Zvij¨ I †`Dwjqv‡Z¡i g‡a¨ m¤úK© †KvbwU?
K Avw_©K SzuwK L evRvi Szwu K K 1929 L 1933 K mgvbycvwZK L AvbycvwZK
M eëmvwqK SzuwK N †Kv¤úvwb SzuwK M 1937 N 1941 M abvZ¥K N FYvZ¥K
 DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : 16. FY cwi‡kva m~wP‡Z mgq AwZevwnK nIqvi  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
Rbve AvwiR GKwU e„n`vqZb dv‡g©i mv‡_ mv‡_ wg‡mm mvdv Zvi A_© mgvbfv‡e cÙv wj. I
Avw_©K eë¯’vcK| †m me©`vB GKwU jÿ¨ i. my‡ì cwigvY n«vm cvq †gNbv wj. †Kv¤úvwbi †kqv‡i wewb‡qvM K‡i|
AR©‡bi †Póv Ki‡Q †hwU dv‡g©i Avq I ii. Avm‡ji cwigvY e„w× cvq †mLvb †_‡K Av‡qi nvi h_vµ‡g 12% I 14%|
e¨‡qi eëavb‡K me©vwaK Kivi cÖwZ iii. my`vm‡ji cwigvY n«vm cvq 27. wg‡mm mvdvi †cvU©‡dvwjI Av‡qi nvi KZ?
¸iæZ¡v‡ivc K‡i| wb‡Pi †KvbwU mwVK? K 12% L 13% M 14% N 15%
K i I ii L i I iii M ii I iii N i, ii I iii 28. wb‡Pi †Kvb cwiw¯’wZ‡Z wg‡mm mvdv cÙv wj.
6. Rbve Avwi‡Ri AbymiY Kiv jÿ¨‡K|
17. GKwU †kqv‡ii µqg~j¨ 100 UvKv, GK G wewb‡qvM evwo‡q †gNbv wj. G n«vm Ki‡e?
A_©vq‡bi fvlvi Kx ejv nq? eQi ci weµqg~j¨ 110 UvKv Ges jf¨vsk K †gNbv wj.-Gi Av‡qi nvi I cwiwgZ
K m¤ú` me©vwaKiY L gybvdv me©vwaKiY 5 UvKv n‡j, †gvU gybvdvi nvi KZ? eëavb `y‡UvB n«vm †c‡j
M `vq me©wb¤œKiY N e¨q me©wb¤œKiY K 5% L 10% M 15% N 20% L †gNbv wj.-Gi Av‡qi nvi I cwiwgZ
7. Rbve Avwi‡Ri AbymiYK…Z j‡ÿï 18. †cvU©©‡dvwjI wewb‡qv‡Mi g~j D‡Ïk¨ Kx? eëavb `y‡UvB e„w× †c‡j
mxgve×Zv wb‡Pi †KvbwU we‡ePbv bv Kiv? K gybvdv e„w× L SzuwK e„w× M †gNbv wj.-Gi Av‡qi nvi AcwiewZ©Z
i. SzuwK M gybvdv n«vm N SzuwK n«vm †_‡K Gi cwiwgZ eëavb n«vm †c‡j
ii. bM` cÖevn 19. Sz w
u K cwigv‡ci Rb¨ eënvi Kiv nq N †gNbv wj.-Gi Av‡qi nvi AcwiewZ©Z
iii. gybvdv AR©‡bi mgq i. AvšÍtAv‡qi nvi †_‡K Gi cwiwgZ eëavb e„w× †c‡j
wb‡Pi †KvbwU mwVK? ii. Av`k© wePz¨wZ 29. wbU eZ©gvb g~j¨ AvšÍtAv‡qi nv‡ii
K i I ii L i I iii M ii I iii N i, ii I iii iii. we‡f`v¼ Zzjbvq DËg nIqvi KviY
8. Amxg mg‡qi Rb¨ mgvb bM` cÖev‡ni wb‡Pi †KvbwU mwVK? i. wbU eZ©gvb g~j¨ c×wZ‡Z cÖvß myweav
K i I ii L i I iii M ii I iii N i, ii I iii wewb‡qvMK…Z A‡_©i cwigv‡Yi mv‡c‡ÿ
cÖvwß ev cÖ`vb‡K Kx e‡j?
20. GKwU cÖK‡íi cÖv_wgK wewb‡qvM cwigvc Kiv nq bv
K cÖ‡`h evwl©Kx L cÖvc¨ evwl©Kx
2,40,000 UvKv Ges AvMvgx 5 eQ‡i ii. cÖK‡íi bM` AvšÍtcÖevn cybivq
M wPi¯’vqx e„wË N mvaviY e„wË cÖwZ eQi 60,000 UvKv K‡i cvIqv
9. evwl©K Mo wbU gybvdv‡K Mo wewb‡qvM Øviv g~jab e¨q nv‡i wewb‡qvM Kiv hvq
hv‡e| G‡ÿ‡Î cwi‡kvaKvj KZ n‡e? iii. AmbvZb bM` AvšÍtcÖevn hy³ GKwU cÖK‡íi
fvM Ki‡j †KvbwU cvIqv hvq? K 2 eQi L 4 eQi A‡bK¸‡jv AvšÍtAv‡qi nvi _vK‡Z cviv
K †c-e¨vK wcwiqW L Mo gybvdvi nvi M 6 eQi N 8 eQi wb‡Pi †KvbwU mwVK?
M wbU eZ©gvb g~j¨ N AvšÍtAv‡qi nvi 21. A‡_©i mgqg~j¨ cQ‡›ì KviY K i I ii L i I iii M ii I iii N i, ii I iii
10. wg‡mm Avwidv wmwÏKv 50,000 UvKv i. AwbðqZv 30. ivqnvb wgjm wj.-Gi SzuwKgy³ Av‡qi nvi
10% my‡` e¨vs‡K Rgv ivL‡Z Pvb, KZ ii. †fvM AMÖvwaKvi 7%, evRvi Av‡qi nvi 17% Ges weUv
eQ‡i H UvKv wØ¸Y n‡e? iii. gy`ªvùxwZ mnM 0.70| cÖZ¨vwkZ Av‡qi nvi KZ?
K 6 eQi L 6.2 eQi wb‡Pi †KvbwU mwVK? K 14% L 18.9%
M 7 eQi N 7.2 eQi K i I ii L i I iii M ii I iii N i, ii I iii M 21.9% N 24%
1 L 2 N 3 M 4 M 5 L 6 L 7 N 8 M 9 L 10 N 11 L 12 L 13 L 14 M 15 K
16 K 17 M 18 N 19 M 20 L 21 N 22 L 23 M 24 M 25 K 26 N 27 L 28 N 29 M 30 K

1. fwel¨r g~j¨ wba©viY c×wZ‡K Kx e‡j? 11. miKvwi A_©vq‡bi D‡Ïk¨ n‡jv  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI :
K Pµe„w×KiY L evÆvKiY i. mvgvwRK Kj¨vY wg. B‡gj 10% nvi my‡` 10,000 UvKv 2
M eZ©gvb g~j¨ N fwel¨r g~j¨ ii. eëmvwqK cÖmvi eQ‡ii Rb¨ e¨vs‡K Rgv ivLvi wm×všÍ †bb|
2. gvwmK Pµe„w×Ki‡Yi †ÿ‡Î cÖwZeQ‡i iii. m¤ú‡ì myôz eënvi 20. 10% mij my‡` 2q eQi †k‡l KZ UvKv
KZevi MYbv Kiv nq? wb‡Pi †KvbwU mwVK? my` cv‡e?
K 1 evi L 6 evi K i I ii L ii I iii M i I iii N i, ii I iii K 1,000 L 1,100
M 10 evi N 12 evi 12. Zvij¨ evo‡j M 2,000 N 2,100
3. Pµe„w×KiY wb‡¤œi †Kvb †ÿ‡Î RwoZ? i. gybvdv K‡g 21. 10% Pµe„w× my‡` 2 eQi c‡i
ii. gybvdv ev‡o i. Pµe„w× my` n‡e 2,000 UvKv
iii. e¨q K‡g ii. Pµe„w× my` n‡e mij my` †_‡K †ewk
M bM` cÖevn N mij my`
wb‡Pi †KvbwU mwVK? iii. my`vmj n‡e 12,100 UvKv
4. A‡_©i mgqg~j¨ wba©vi‡Yi g~j KviY †KvbwU?
K i I ii L ii I iii M i I iii N i, ii I iii wb‡Pi †KvbwU mwVK?
K my‡ì nvi L gy`ªvbxwZ
 DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : K i I ii L ii I iii M i I iii N i, ii I iii
M A‡_©i Zvij¨ N ewa©Z gybvdv
wg. †mŠwgK GKwU wgwói †`vKvb w`‡jb| 22. PjwZ g~jab cÖ‡qvRb nq
5. my‡ì nvi 10% n‡j AvR‡Ki 100 UvKv †`vKvb cwiPvjbvi †ÿ‡Î A_©msKU †`Lv i. KuvPvgvj µ‡q
2 eQi ci KZ UvKv n‡e? w`‡j wZwb 3 eQ‡ii Rb¨ FY †bIqvi ii. gRywi cÖ`v‡b
K 100 UvKv L 110 UvKv cwiKíbv Ki‡jb| iii. fvov cÖ`v‡b
M 120 UvKv N 121 UvKv 13. wg. †mŠwgK †Kvb ai‡bi FY wb‡eb? wb‡Pi †KvbwU mwVK?
6. PjwZ g~jab cÖ‡qvRb nq K ¯^í‡gqvw` L ga¨‡gqvw`
i. KuvPvgvj µ‡q M `xN©‡gqvw` N bM` FY
23. PjwZ m¤ú` n‡jv
ii. gRywi cÖ`v‡b 14. wg. †mŠwg‡Ki FY †bIqvi m‡e©vËg gva¨g †KvbwU? i. gRy` cY¨
iii. fvov cÖ`v‡b K evwYwR¨K cÎ L ga¨‡gqvw` FY
ii. cÖvc¨ wej
wb‡Pi †KvbwU mwVK? M evwYwR¨K e¨vsK N †µwWU KvW©
iii. cÖ‡`q wej
15. †nv‡mb AvR‡K †mvbvjx e¨vs‡K 100 UvKv
Rgv ivL‡j 10% my‡` 5 eQi ci KZ
7. PjwZ m¤ú` n‡jv K i I ii L ii I iii M i I iii N i, ii I iii
UvKv cv‡e?
i. gRy` cY¨ 24. Avw_© K weeiYxi eënviKvix n‡jv
K 150 UvKv L 160 UvKv
ii. cÖvc¨ wej M 161 UvKv N 165 UvKv i. †kqvi‡nvìvi
iii. cÖ‡`q wej 16. AwMÖg A¨vbyBwUi êwkó¨ n‡jv ii. FY‡nvìvi
wb‡Pi †KvbwU mwVK? i. mg cwigvY UvKv iii. eë¯’vcK
K i I ii L ii I iii M i I iii N i, ii I iii ii. eQ‡ii ïiæ‡Z cÖvwß wb‡Pi †KvbwU mwVK?
8. wecixZag©x m¤úK© we`¨gvb Giƒc 2wU n‡jv iii. iƒcMZ K i I ii L ii I iii M i I iii N i, ii I iii
i. gybvdv I SzuwK wb‡Pi †KvbwU mwVK? 25. †cvU© ‡dvwjI wewb‡qv‡Mi Ab¨Zg D‡Ïk¨?
ii. Zvij¨ I SzuwK K i I ii L ii I iii M i I iii N i, ii I iii K gy bvdv e„w× L SzuwK n«vm
iii. gybvdv I Zvij¨ 17. FY cwi‡kva m~wP‡Z cÖ`k©b Kiv nq M weµq e„ w × N Drcv`b e„w×
wb‡Pi †KvbwU mwVK? i. my‡ì cwigvY 26. wewa-72 †Kv_vq eënvi Kiv nq?
ii. wKw¯Í i cwigvY K wØ¸Y L wZb¸Y
iii. Avm‡ji cwigvY M eû¸Y N mgvb
9. mvaviY wewb‡qv‡Mi Ab¨Zg D‡Ïk¨
wb‡Pi †KvbwU mwVK? 27. Pµe„w× I evÆvKi‡Yi g‡a¨ m¤úK© n‡”Q
i. gybvdv e„w×
K i I ii L ii I iii M i I iii N i, ii I iii K wecixZgyLx L mggyLx
ii. SzuwK n«vm
18. A‡_©i g~j¨ wbY©‡qi †ÿ‡Î cÖfvewe¯ÍviKvix M mgvbycvwZK N wbi‡cÿ
iii. evRvi wbqš¿Y
Dcv`vb n‡jv 28. ˆÎgvwmK Pµe„w×i †ÿ‡Î Pµe„w×i msL¨v n‡e
wb‡Pi †KvbwU mwVK? i. my‡ì nvi K2 L3 M4 N6
K i I ii L ii I iii M i I iii N i, ii I iii ii. mgq 29. wR‡iv Kzcb e‡Û Kx _v‡K bv?
10. miKvwi A_©vq‡bi Drm n‡jv iii. A‡_©i Zvij¨ K †gqv` L my‡ì nvi
i. Avg`vwb ïé wb‡Pi †KvbwU mwVK? M mgq N g~j¨
ii. ißvwb ïé K i I ii L ii I iii M i I iii N i, ii I iii 30. mvßvwnK Pµe„w×i †ÿ‡Î m Gi gvb KZ
iii. AvqKi 19. ˆÎgvwmK Pµe„w×i my` MYbvi †ÿ‡Î evwl©K n‡e?
wb‡Pi †KvbwU mwVK? Pµe„w×i msL¨v K 50 L 51
K i I ii L ii I iii M i I iii N i, ii I iii K1 L2 M3 N4 M 52 N 55
1 K 2 N 3 L 4 K 5 N 6 N 7 K 8 M 9 K 10 N 11 M 12 M 13 L 14 M 15 M
16 K 17 N 18 K 19 N 20 K 21 L 22 N 23 K 24 N 25 L 26 K 27 K 28 M 29 L 30 M

1. GKwU e‡Ûi µqg~j¨ 1,000 UvKv| weµqg~j¨ 12. evRvi †cvU©‡dvwjIi Av‡qi nvi 14% I 21. GKwU eÛ Aenv‡i weµq nIqvi KviY
1,250 UvKv n‡j g~jabx jvf KZ? †UªRvwi we‡ji Av‡qi nvi 4%| †Kv‡bv n‡Z cv‡i
K 100 UvKv L 250 UvKv dv‡g©i Acwinvh© SzuwKi gvb 2 n‡j dv‡g©i i. evRv‡i my‡ì nv‡ii cwieZ©b
M 300 UvKv N 400 UvKv mvaviY †kqv‡ii e¨q KZ? ii. dv‡g©i SzuwKi cwieZ©b
K 4% L 10% iii. †`‡ki A_©‰bwZK g›`v
M 14% N 24% wb‡Pi †KvbwU mwVK?
wg. B‡gj 10% my‡` 10,000 UvKv 2 K i I ii L i I iii M ii I iii N i, ii I iii
eQ‡ii Rb¨ e¨vs‡K Rgv ivLvi wm×všÍ †bb| 13. F‡Yi my ` †_‡K †Kvb Sz w
u Ki m„ w ó nq?
22. †Kv¤úvwbi M„nxZ cÖK‡íi wbU eZ©gvb g~j¨
2. 10% mij my‡` 2q eQi KZ UvKv my` cv‡e? K eëmvwqK SzuwK L Avw_©K SzuwK
cwigv‡c g~jab e¨q Kx wn‡m‡e eën„Z nq?
M evRvi SzuwK N †gvU SzuwK
K 1,000 UvKv L 1,100 UvKv K Avq nvi L evÆv nvi
M 2,000 UvKv N 2,100 UvKv
14. CAPM g‡W‡j KZ ai‡bi SzuwK we‡ePbv M Li‡Pi nvi N Pµe„w×i nvi
Kiv nq? 23. Mo gy b vdvi nvi c×wZi mxgve× n‡jv
3. 10% Pµe„w× my‡` 2 eQi c‡i
K1 L2 M3 N4 i. bM` cÖ e vn we‡ePbv K‡i bv
i. Pµe„w× my` n‡e 2,000 UvKv
15. CAPM-Gi mvnv‡h¨ BKz¨BwU g~ja‡bi e¨q ii. A‡_©i mgqg~j¨ we‡ePbv K‡i bv
ii. Pµe„w× my` mij my` †_‡K †ewk n‡e
wbY©‡qi †ÿ‡Î we‡ePbv Kiv nq iii. wbY©q Kiv †ek RwUj
iii. my`vmj n‡e 12,100 UvKv
i. evRvi Av‡qi nvi wb‡Pi †KvbwU mwVK?
wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii
ii. Ki nvi
K i I ii L i I iii M ii I iii N i, ii I iii 24. wb‡Pi †Kvb wel‡q wm×všÍ MÖn‡Yi Rb¨ g~jab
iii. SzuwKgy³ Av‡qi nvi
4. mgq †iLv KqwU cÖvšÍwe›`y cÖ`k©b K‡i? wb‡Pi †KvbwU mwVK? ev‡RwUs-Gi †KŠkj cÖ‡qvM Kiv nq?
K5 L4 K ¯’vqx m¤úwË µq
M3 N2 L PjwZ m¤úwË µq
16. †f`v¼ I cwiwgZ eëav‡bi mvnv‡h¨ M `xN©‡gqvw` FY MÖnY
5. eZ©gv‡bi 5,000 UvKvi 8% Pµe„w× nvi
K †gvU SzuwK cwigvc Kiv nq N ¯^í‡gqvw` FY MÖnY
my‡` 3 eQi c‡i g~j¨ KZ n‡e?
L evRvi SzuwK cwigvc Kiv nq 25. g~jab ev‡RwUs wm×všÍ GKUv cÖwZôv‡bi
K 5,200 UvKv L 5,400 UvKv
M GKK SzuwK cwigvc Kiv nq Rb¨ †Kgb cÖwµqv?
M 6,200 UvKv N 6,299 UvKv
N †Kv‡bvwUB bq K ¯^í‡gqvw` L ga¨‡gqvw`
6. KLb A‡_©i eZ©gvb I fwel¨r g~j¨ mgvb nq? 17. GKwU †Kv¤úvwbi gybvdvi Av`k© wePz¨wZ M ¯^í I ga¨‡gqvw` N `xN©‡gqvw`
i. hLb i = 0
15% Ges Mo gybvdv 8% n‡j, we‡f`v¼  DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI :
ii. hLb i = 1
KZ? Rbve AvKvk GKwU cÖK‡í wewb‡qvM Ki‡Z Pvq|
iii. hLb n = 0 K 1.88% L 2.25% wewb‡qvMK…Z g~ja‡bi cwigvY 1,00,000 UvKv
wb‡Pi †KvbwU mwVK? M 2.5% N 2.88% hv †_‡K AvMvgx 5 eQi hveZ evwl©K bM` cÖevn
K i I ii L i I iii M ii I iii N i, ii I iii cvIqv hv‡e h_vµ‡g 20,000 UvKv, 30,000
7. A‡_©i mgqg~‡jï m„wó nIqvi KviY Kx? UvKv, 40,000 UvKv Ges 20,000 UvKv|
Rbve AvwkK Zvi A_© XYZ Ges ABC
K Zvij¨ L gy`ªvbxwZ 26. Z…Zxq eQ‡i cÖKíwUi µg‡hvwRZ bM`
wj. Gi †kqv‡i mgvbfv‡e wewb‡qvM cÖevn KZ UvKv n‡e?
M my‡ì nvi N Avw_©K bxwZ
K‡ib| †Kv¤úvwb `ywU n‡Z cÖZ¨vwkZ K 40,000 L 65,000
8. evwl©K Pµe„w×i aviv †KvbwU?
Av‡qi nvi h_vµ‡g 12% I 18%| M 80,000 N 90,000
K 69 L 70
18. Rbve AvwkK Gi cÖZ¨vwkZ †cvU©‡dvwjI 27. cÖKíwUi †c-e¨vK mgq KZ n‡e?
M 71 N 72
Av‡qi nvi wb‡Pi †KvbwU? K 3 eQi L 3 eQi 3 gvm
9. †Kvb c×wZ A‡_©i mgqg~j¨ we‡ePbv K‡i? K 12% L 15% M 4 eQi N 4 eQi 3 gvm
i. wbU eZ©gvb g~j¨
M 18% N 25% 28. A_©vq‡bi g~j welqe¯‘ Kx?
ii. Mo Av‡qi nvi K kÖg L cwiKíbv
19. Rbve AvwkK †Kvb cwiw¯’wZ‡Z XYZ wj. Gi
iii. AvšÍtAvq nvi M Znwej N Drcv`b
wewb‡qvM evwo‡q ABC wj. G wewb‡qvM Kgv‡eb?
K ABC wj. Gi Av‡qi nvi Ges cwiwgZ 29. A_©vq‡bi Kvh©vewj n‡jv
K i I ii L i I iii M ii I iii N i, ii I iii i. wewb‡qvM wm×všÍ
eëavb `yÕwUB n«vm †c‡j
10. EAR Gi c~Yi© ƒc Kx? ii. A_©ms¯’vb wm×všÍ
L ABC wj. Gi Av‡qi nvi Ges cwiwgZ
K Effective Annual Rate iii. jf¨vsk wm×všÍ
L Evaluate Annual Rate eëavb `y Õ wUB e„ w × †c‡j
M ABC wj. Gi Av‡qi nvi AcwiewZ©Z †_‡K
M Efficient Annual Rate K i I ii L i I iii M ii I iii N i, ii I iii
N Earning Annual Rate cwiwgZ eëavb `yÕwUB n«vm †c‡j 30. PjwZ m¤ú` eë¯’vcbv †Kvb `ywUi g‡a¨
11. A‡_©i mgq cQ›`bxqZvi KviY n‡jv N ABC wj. Gi Av‡qi nvi AcwiewZ©Z †_‡K
fvimvg¨ iÿv K‡i
i. †fvM cwiwgZ eëavb `yÕwUB n«vm †c‡j i. gybvdv I SzuwK
ii. AwbðqZv 20. Avq n‡Z cwiPvjb e¨q †gUv‡Z bv cvivi ii. gybvdv I Zvij¨
iii. my‡ì nvi m¤¢vebv‡K Kx ejv nq? iii. SzuwK I Zvij¨
wb‡Pi †KvbwU mwVK? K Avw_©K SzuwK L eëmvwqK SzuwK wb‡Pi †KvbwU mwVK?
K i I ii L ii I iii M i I iii N i, ii I iii M my` nvi SzuwK N Zvij¨ SzuwK K i I ii L i I iii M ii I iii N i, ii I iii
1 L 2 K 3 M 4 N 5 N 6 L 7 M 8 N 9 L 10 K 11 N 12 N 13 L 14 K 15 L
16 K 17 K 18 L 19 N 20 L 21 M 22 L 23 K 24 K 25 N 26 N 27 L 28 M 29 N 30 K
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1. XvKv †evW© 2022 .........................................................................................................................................................4
2. ivRkvnx †evW© 2022 ................................................................................................................................................... 5
3. h‡kvi †evW© 2022 .......................................................................................................................................................6
4. Kzwgjøv †evW© 2022...................................................................................................................................................... 7
5. PÆMÖvg †evW© 2022 ..................................................................................................................................................... 8
6. wm‡jU †evW© 2022.......................................................................................................................................................9
7. ewikvj †evW© 2022 ...................................................................................................................................................10
8. w`bvRcyi †evW© 2022 ................................................................................................................................................. 11
9. gqgbwmsn †evW© 2022 ...............................................................................................................................................12
10. XvKv †evW© 2021 .......................................................................................................................................................13
11. ivRkvnx †evW© 2021 ..................................................................................................................................................14
12. h‡kvi †evW© 2021 .....................................................................................................................................................15
13. Kzwgjøv †evW© 2021 .....................................................................................................................................................16
14. PÆMÖvg †evW© 2021.....................................................................................................................................................17
15. wm‡jU †evW© 2021 .....................................................................................................................................................18
16. ewikvj †evW© 2021 ...................................................................................................................................................19
17. w`bvRcyi †evW© 2021 .................................................................................................................................................20
18. gqgbwmsn †evW© 2021................................................................................................................................................21

œ Î I DËigvjv : eûwbe©vPwb------------------------------------------------ 2239
19. XvKv †evW© 2022 .......................................................................................................................................................22
20. ivRkvnx †evW© 2022 ..................................................................................................................................................23
21. h‡kvi †evW© 2022 .....................................................................................................................................................24
22. Kzwgjøv †evW© 2022.....................................................................................................................................................25
23. PÆMÖvg †evW© 2022 ....................................................................................................................................................26
24. wm‡jU †evW© 2022.....................................................................................................................................................27
25. ewikvj †evW© 2022 ...................................................................................................................................................28
26. w`bvRcyi †evW© 2022 .................................................................................................................................................29
27. gqgbwmsn †evW© 2022 .............................................................................................................................................. 30
28. XvKv †evW© 2021 .......................................................................................................................................................31
29. ivRkvnx †evW© 2021 ..................................................................................................................................................32
30. h‡kvi †evW© 2021 .................................................................................................................................................... 33
31. Kzwgjøv †evW© 2021 .....................................................................................................................................................34
32. PÆMÖvg †evW© 2021.................................................................................................................................................... 35
33. wm‡jU †evW© 2021 .....................................................................................................................................................36
34. ewikvj †evW© 2021 .................................................................................................................................................. 37
35. w`bvRcyi †evW© 2021 ................................................................................................................................................ 38
36. gqgbwmsn †evW© 2021................................................................................................................................................39
œ Î : m„Rbkxj ----------------------------------------------- 4049
37. XvKv K‡jR..............................................................................................................................................................40
38. wbD Mft wWMÖx K‡jR, ivRkvnx .....................................................................................................................................41
39. h‡kvi miKvwi gwnjv K‡jR .........................................................................................................................................42
40. Kzwgjøv wf‡±vwiqv miKvwi K‡jR.....................................................................................................................................43
41. miKvwi nvRx gynv¤§` gnwmb K‡jR, PÆMÖvg ......................................................................................................................44
42. miKvwi wmwU K‡jR, PÆMÖvg..........................................................................................................................................45
43. wm‡jU miKvwi K‡jR .................................................................................................................................................46
44. ewikvj miKvwi gwnjv K‡jR........................................................................................................................................47
46. knx` ˆmq` bRiæj Bmjvg K‡jR, gqgbwmsn...................................................................................................................49

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47. XvKv †iwm‡Wbwmqvj g‡Wj K‡jR ................................................................................................................................. 50
48. Av`gRx K¨v›Ub‡g›U K‡jR, XvKv ...................................................................................................................................51
49. knx` exi DËg †j. Av‡bvqvi Mvj©m K‡jR, XvKv................................................................................................................52
50. miKvwi AvwRRyj nK K‡jR, e¸ov................................................................................................................................ 53
51. h‡kvi miKvwi gwnjv K‡jR .........................................................................................................................................54
52. Kzwgjøv wf‡±vwiqv miKvwi K‡jR.................................................................................................................................... 55
53. miKvwi nvRx gynv¤§` gnwmb K‡jR, PÆMÖvg ......................................................................................................................56
54. wm‡jU miKvwi K‡jR ................................................................................................................................................ 57
55. ewikvj miKvwi gwnjv K‡jR....................................................................................................................................... 58
56. knx` ˆmq` bRiæj Bmjvg K‡jR, gqgbwmsn...................................................................................................................59
G·K¬zwmf g‡Wj †U÷ : m„Rbkxj ---------------------------------------------------------------------- 6064

57. G·K¬zwmf g‡Wj †U÷ 01 ............................................................................................................................................60
58. G·K¬zwmf g‡Wj †U÷ 02 ............................................................................................................................................61
59. G·K¬zwmf g‡Wj †U÷ 03 ............................................................................................................................................62
60. G·K¬zwmf g‡Wj †U÷ 04 ............................................................................................................................................63
61. G·K¬zwmf g‡Wj †U÷ 05 ............................................................................................................................................64
G·K¬zwmf g‡Wj †U÷ I DËigvjv : eûwbe©vPwb ----------------------------------------------------- 6569

62. G·K¬zwmf g‡Wj †U÷ 06 ............................................................................................................................................65
63. G·K¬zwmf g‡Wj †U÷ 07 ............................................................................................................................................66
64. G·K¬zwmf g‡Wj †U÷ 08 ............................................................................................................................................67
65. G·K¬zwmf g‡Wj †U÷ 09 ............................................................................................................................................68
66. G·K¬zwmf g‡Wj †U÷ 10 ............................................................................................................................................69
GBPGmwm cix¶vi cÖkœcÎ : m„Rbkxj

1 XvKv †evW© 2022 welq †KvW : 2 9 3
mgq1 NÈv 40 wgwbU wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ m„Rbkxj cÖkœ c~Y©gvb40
[`ªóe¨ : Wvb cv‡ki msL¨v cÖ‡kœi c~Y©gvb ÁvcK| cÖ`Ë DÏxcK¸‡jv g‡bv‡hvM mnKv‡i co Ges mswkøó cÖkœ¸‡jv †_‡K †h‡Kv‡bv PviwU cÖ‡kœi DËi `vI|]
K-wefvM : e¨vswKs 7  iwngv MÖvg †_‡K kn‡i G‡m 'TNM' bv‡g GKwU Mv‡g©›Um d¨v±wi‡Z PvKwi
1  ÔKÕ GKwU e¨vsK hvi cÖavb D‡Ïk¨ RbKj¨vY| Acic‡ÿ ÔLÕ Ab¨ GKwU †bq| PvKwii cÖ‡qvR‡b Zv‡K kn‡i Ae¯’vb Ki‡Z nq| cÖwZ gv‡m †eZb
e¨vsK hvi g~j D‡Ïk¨ gybvdv AR©b Kiv| D³ e¨vsKwU wewfbœ e¨w³ I †c‡q †m evwo‡Z Zvi evev‡K wPwKrmv LiP cvVv‡bv wb‡q LyeB wPwšÍZ
cÖwZôvb‡K FY w`‡q eëmvq evwY‡R¨ mnvqZv K‡i _v‡K| m¤úÖwZ †`‡k _v‡K| Zvi GK evÜex e¨vcviwU Rvb‡Z †c‡i Zv‡K we‡kl GK Zviwenxb
`ªe¨mvgMÖxi `vg e„w× †c‡Z _vK‡j Zv wbqš¿‡Y Dfq e¨vsK mnvqZv K‡i| B-cÖhyw³‡Z UvKv cvVv‡bvi Rb¨ civgk© †`q| hvi djkÖæwZ‡Z iwngv e¨vs‡K
K. e¨v‡mj-2 Kx? 1 bv wM‡qI MÖv‡g Zvi evev‡K cÖwZ gv‡m UvKv cvVv‡Z cv‡i Ges mv‡_ mv‡_
L. Mviwbwk AW©vi †Kb Rvwi Kiv nq? e¨vL¨v Ki| 2 cÖvwß msevÌ cvq| G‡Z iwngv A‡bKUv ¯^w¯Í‡eva K‡i|
M. DÏxc‡K ewY©Z ÔKÕ e¨vsKwU †Kvb ai‡bi? e¨vL¨v Ki| 3 K. Iqvb ÷c mvwf©m Kx? 1
N. DÏxc‡K ewY©Z e¨vsK `ywUi Kvh©vewji g‡a¨ Zzjbvg~jK we‡kølY Ki| 4 L. Ò¯^qswµq wbKvk Ni AvšÍt‡jb‡`b mnR K‡i‡QÓ e¨vL¨v Ki| 2
2  evsjv‡`k e¨vsK gy`ªvevRv‡ii AwffveK| GB e¨vs‡Ki GKwU we‡kl Kÿ i‡q‡Q, M. DÏxc‡K iwngv †Kvb B-e¨vswKs c×wZ‡Z MÖv‡g Zvi evev‡K UvKv
†hLv‡b ZvwjKvfz³ e¨vsKmg~‡ni cvi¯úwiK †`bv cvIbvi wb®úwË nq| m¤úÖwZ cvVvq? e¨vL¨v Ki| 3
†`‡k gy`ªvùxwZ †`Lv w`‡j e¨vsKwUi my‡ì nvi 5% †_‡K 6% G DbœxZ K‡i| N. Zzwg wK g‡b Ki DÏxc‡K iwngvi Abym„Z c×wZwU eZ©gv‡b AwaK
ZeyI gy`ªvùxwZ wbqš¿Y bv nIqvq evsjv‡`k e¨vsK CRR e„w×i wm×všÍ †bq| RbwcÖq? we‡kølY Ki| 4
K. wewae× Zvij¨ msiÿY nvi Kx? 1 L-wefvM : wegv
L. †K›`ªxq e¨vsK‡K F‡Yi †kl AvkÖq¯’j ejv nq †Kb? e¨vL¨v Ki| 2 8  wg. iwKe EPZ G Aew¯’Z GKwU mvB‡Kj KviLvbvi gvwjK| wZwb Zvi
M. DÏxc‡K evsjv‡`k e¨vs‡Ki †Kvb we‡kl K‡ÿi K_v D‡jøL i‡q‡Q? e¨vL¨v Ki| 3 KviLvbvi Rb¨ 'X' wegv †Kv¤úvwb I 'Y' wegv †Kv¤úvwbi mv‡_ c„_Kfv‡e
N. DÏxc‡K evsjv‡`k e¨vsK gy`ªvùxwZ wbqš¿‡Yi Rb¨ †h `y‡Uv c×wZ wÎk jÿ UvKvi `ywU wegvPzw³ K‡ib| cieZ©x‡Z `yN©UbvRwbZ Kvi‡Y Zvi
MÖnY K‡i‡Q Zv‡ì g‡a¨ Zzjbvg~jK we‡kølY Ki| 4 KviLvbvq 4 jÿ UvKvi ÿwZ mvwaZ nq| wg. iwKe 'X' wegv †Kv¤úvwb I 'Y'
3  Aóg †kÖwYi QvÎ mygb XvKvi GKwU †nv‡÷‡j †_‡K covi wm×všÍ nq| wegv †Kv¤úvwb Df‡qi wbKU n‡Z c„_Kfv‡e 4 jÿ UvKv ÿwZc~iY `vwe
e¨vsK wnmve †Lvjvi Rb¨ †m evevi mv‡_ e¨vs‡K hvq| e¨vsK g¨v‡bRvi Ki‡j wegv †Kv¤úvwb Zv cÖZ¨vL¨vb K‡i|
Zv‡K wnmve †Lvjvi GKwU g~j Av‡e`b dig mieivn K‡ib| mv‡_ GKwU K. wegvPzw³ Kx? 1
KvW© I Aci Av‡iKwU dig c~iY Ki‡Z e‡jb hv LyeB ¸iæZ¡c~Y©| L. †Kvb bxwZi Av‡jv‡K ¯^vgx Zvi ¯¿xi Rxe‡bi Ici wegv Ki‡Z
K. FY AvgvbwZ wnmve Kx? 1 cv‡i? e¨vL¨v Ki| 2
L. e¨vsK †Kb wnmv‡ei †MvcbxqZv iÿv K‡i? e¨vL¨v Ki| 2 M. DÏxc‡K wg. iwKe †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb? e¨vL¨v Ki| 3
M. DÏxc‡K myg‡bi Rb¨ †Kvb ai‡bi e¨vsK wnmve †Lvjv Dc‡hvMx? e¨vL¨v Ki| 3 N. DÏxc‡K DwjøwLZ wegv †Kv¤úvwb KZ…©K wg. iwK‡ei wegv`vwe
N. DÏxc‡K DwjøwLZ mygb‡K cÖ`Ë digwU †Kb ¸iæZ¡c~Y© Zv we‡kølY Ki| 4 cÖZ¨vL¨v‡bi KviY we‡kølY Ki| 4
4  †Ìqvb mv‡ne GKRb wmwbqi e¨vsK Kg©KZ©v| wZwb GKwU e¨vsK wnmv‡ei 9  Rbve ivqnvb GKwU cÖvB‡fU dv‡g© PvKwi K‡ib| wZwb Ò†WjUv jvBd BÝy¨‡iÝ
gva¨‡g †eZb MÖnY K‡ib| wKQzw`b ci Zvi Kg©`ÿZvi Rb¨ e¨vsK Zv‡K †Kv.Ó Gi mv‡_ cwiev‡ii fwel¨‡Zi K_v wPšÍv K‡i 15 eQ‡ii Rb¨ 20 jÿ
cyi¯‹vi¯îƒc †gvUv A‡¼i †evbvm cÖ`vb K‡i| wZwb †evbv‡mi UvKvUv c~‡e©i UvKvi GKwU Rxeb wegvPzw³ K‡ib| 5 eQi wcÖwgqvg cwi‡kva Kivi ci nVvr
wnmv‡e bv †i‡L bZzb GKwU e¨vsK wnmv‡e Rgv ivLvi wm×všÍ †bb, hv c~‡e©i wZwb PvKwi nvivb| djkÖæwZ‡Z Zvi Avw_©K mgm¨vi Kvi‡Y wZwb wegv cwjwmwU
wnmv‡ei Zzjbvq jvfRbK| Pvjv‡Z Amg_© nb| welqwU wZwb wegvKvix cÖwZôvb‡K AewnZ K‡ib Ges Zvi
K. wgkÖ e¨vswKs Kx? 1 cwi‡kvwaZ wcÖwgqv‡gi m¤ú~Y© Ask †diZ cvevi Rb¨ Av‡e`b K‡ib|
L. wegv mÂqx wnmve ej‡Z Kx †evSvq? 2 K. †evbvm Kx? 1
M. DÏxc‡K †Ìqvb mv‡ne †evbv‡mi UvKv †Kvb wnmv‡e ivLvi wm×všÍ L. wegv‡hvM¨ ¯^v_© wegv eëmv‡q †Kb ¸iæZ¡c~Y©? e¨vL¨v Ki| 2
wb‡q‡Qb? e¨vL¨v Ki| 3 M. Rbve ivqnvb †Kvb ai‡bi Rxeb wegvcÎ MÖnY K‡i‡Qb? e¨vL¨v Ki| 3
N. DÏxc‡K †Ìqvb mv‡n‡ei e¨vs‡K wnmve _vKv m‡Ë¡I cieZ©x‡Z N. DÏxc‡K Rbve ivqnv‡bi wegvKvix cÖwZôv‡bi wbKU m¤ú~Y©
Aci GKwU wnmve †Lvjvi †hŠw³KZv we‡kølY Ki| 4 wcÖwgqv‡gi A_© †diZ PvIqv KZUzKz †hŠw³K? we‡kølY Ki| 4
5  Rbve gvmy` GKRb wVKv`vi| wZwb Zvi cvIbv`vi Rbve iv‡mj‡K GK jÿ 10  wg. Kvqmvi GKwU wkwcs †Kv¤úvwbi KY©avi| wZwb Zvi RvnvR¸‡jvi Rb¨ wegv
UvKvi Ggb GKwU †PK cÖ`vb K‡ib hv wbivc` e‡j we‡ewPZ| wKšÍy K‡ib| m¤úÖwZ N~wY©S‡oi Ke‡j Zvi GKwU RvnvR Wz‡e hvq| wZwb wegv`vwe
`yf©vMëkZ Rbve iv‡mj D³ †PKwU nvwi‡q †dj‡j gvmy` mv‡n‡ei †ck Ki‡j wegvKvix cÖwZôvb m¤ú~Y© A_© wegv`vwe wn‡m‡e cwi‡kva K‡ib|
kiYvcbœ nb| Rbve gvmy` iv‡mj‡K wePwjZ bv n‡q Rbve iv‡m‡ji bv‡gi cieZ©x‡Z RvnvRwU D×vi Kiv n‡j wegvKvix cÖwZôvb RvnvRwU fMœvsk wn‡m‡e
†k‡l ÔAv‡`k Abymv‡iÕ K_vwU wj‡L bZzb GKwU †PK Bmy¨ K‡ib| GKRb eëmvqxi wbKU weµq K‡i| welqwU †R‡b wg. Kvqmvi D³ weµqjã
K. ågYKvixi †PK Kx? 1 A_© `vwe Ki‡j wegv cÖwZôvb Zvi `vwe cÖZ¨vL¨vb K‡i|
L. †P‡Ki Aby‡gv`‡bi cÖ‡qvRb nq †Kb? e¨vL¨v Ki| 2 K. SzuwK Kx? 1
M. DÏxc‡K Rbve gvmy` iv‡mj‡K cÖ_‡g †Kvb ai‡bi †PK cÖ`vb L. ÒwegvPzw³ cig wek¦v‡mi Pzw³Ó e¨vL¨v Ki| 2
K‡ib? e¨vL¨v Ki| 3 M. DÏxc‡K DwjøwLZ wg. Kvqmvi †Kvb bxwZi Av‡jv‡K wegvKvix
N. DÏxc‡K Rbve gvmy` KZ…©K cÖ`Ë cÖ_g I wØZxq †P‡Ki g‡a¨ cÖwZôvb †_‡K wegv`vwe jvf K‡ib? e¨vL¨v Ki| 3
Zzjbvg~jK Av‡jvPbv Ki| 4 N. DÏxc‡K DwjøwLZ wegv †Kv¤úvwb KZ…©K wg. Kvqmv‡ii cieZ©x A_©
6  Rbve ingvb GKRb wewkó eëmvqx| wZwb e¨vs‡K wnmve Lyj‡Z †M‡j `vwe cÖZ¨vL¨v‡bi †hŠw³KZv we‡kølY Ki| 4
e¨vsK Zv‡K †PK eB‡qi mv‡_ GKwU Pz¤^Kxq cøvw÷K KvW© mieivn K‡i| 11  Avwmd I Lmiæ `yRbB GKB cÖwZôv‡b Kg©iZ| Zv‡ì g‡a¨ Avwmd Zvi
hvi gva¨‡g wZwb e¨vs‡K bv wM‡qI UvKv D‡Ëvjb Ki‡Z cv‡ib| nVvr mšÍvb‡ì K_v wPšÍv K‡i `yÕeQ‡ii Rb¨ GKwU wegvcÎ MÖnY K‡ib|
eëmvwqK cÖ‡qvR‡b we‡`k MgbKv‡j RgvwZwi³ UvKvi ìKvi n‡j wZwb Aciw`‡K Lmiæ Zvi mšÍv‡bi †jLvcovi ¯^v‡_© 10 eQi †gqvw` GKwU
e¨vsK †_‡K AviI GKwU Pz¤^Kxq cøvw÷K KvW© msMÖn K‡ib hvi mv‡_ Zvi we‡kl ai‡bi wegvcÎ MÖnY K‡ib hvi kZ© wn‡m‡e wegvKvix †gqv` †k‡l
D³ e¨vsK wnmv‡ei †Kv‡bv m¤úK© †bB| wKšÍy GB KvW© eënvi K‡i wZwb Zvi mšÍvb‡K GKwU wbw`©ó mgq ch©šÍ gvwmK e„wË cÖ`vb Ki‡e|
we‡`‡k Zvi hveZxq LiPvw` m¤úbœ Ki‡Z cvi‡eb| K. IDRA Kx? 1
K. SWIFT Kx? 1 L. MÖæc wegv Kv‡ì †ÿ‡Î ¸iæZ¡c~Y©? e¨vL¨v Ki| 2
L. B-e¨vswKs †Kb RbwcÖq? e¨vL¨v Ki| 2 M. DÏxc‡K DwjøwLZ Avwm‡di M„nxZ wegvcÎwU †Kvb ai‡bi Rxeb
M. Rbve ingvb‡K e¨vsK cÖ_‡g †Kvb ai‡bi KvW© mieivn K‡i? e¨vL¨v Ki| 3 wegvcÎ e¨vL¨v Ki| 3
N. DÏxc‡K Rbve ingv‡bi 1g Kv‡W©i mv‡_ 2q Kv‡W©i Zzjbvg~jK N. Avwmd I Lmiæi M„nxZ `ywU Rxeb wegvc‡Îi g‡a¨ †KvbwU AwaK
we‡kølY K‡i Zzwg †Kvb KvW©wU DËg e‡j g‡b Ki? gZvgZ `vI| 4 jvfRbK e‡j Zzwg g‡b Ki? †Zvgvi DË‡ii c‡ÿ hyw³ `vI| 4

K-wefvM : e¨vswKs K. KYC Kx? 1
1  kwdK I iwdK `yB RbB m`¨ MBA cvm K‡i‡Qb| Df‡qi jÿ¨ fv‡jv L. bgybv ¯^vÿi ej‡Z Kx †evSvq? 2
†Kv‡bv e¨vs‡K PvKwi Kiv| †m j‡ÿ¨ kwdK GKwU e¨vs‡K wmwbqi M. Rbve mvRxb Zvi †Q‡ji Rb¨ †Kvb ai‡bi wnmve Ly‡jb? 3
Gw·wKDwUf c‡` †hvM`vb K‡ib| †hwU ïay †`‡ki wkívq‡b KvR N. Rbve mvRx‡bi ¯¿xi bv‡g e¨vs‡K wnmve wK Lyj‡Z cvi‡eb?
K‡i| Aciw`‡K iwdKI GKwU e¨vs‡K †hvM`vb K‡ib| e¨vsKwUi g~j †Zvgvi gZvgZ `vI| 4
KvR K…wl Lv‡Zi Dbœqb Ges K…lK‡ì Avw_©K mnvqZv cÖ`vb Kiv| 7  wPÎv I gnvb›`v e¨vsK wj. evsjv‡`‡ki Ab¨Zg `ywU e¨vsK| wPÎv
K. e¨vsK Kx? 1 e¨vsK wj. †`‡k-we‡`‡k e¨vswKs Kvh©µg cwiPvjbv K‡i| Ab¨w`‡K
L. Òe¨vsK wewbg‡qi gva¨g m„wó K‡iÓ e¨vL¨v Ki| 2 gnvb›`v e¨vsK GKwU Awd‡mi gva¨‡g e¨vswKs Kvh©µg cwiPvjbv
M. DÏxc‡K DwjøwLZ kwd‡Ki e¨vsKwU †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 K‡i| `ywU e¨vsKB D‡Ïk¨ AR©‡b mdj|
N. DÏxc‡K iwd‡Ki e¨vsKwU †Kvb ai‡bi e¨vsK? e¨vs‡Ki K. AvaywbK e¨vs‡Ki c~e©m~wi Kviv? 1
Kvh©µg †kÖwYi wfwË‡Z we‡kølY Ki| 4 L. Mviwbwk Av‡`k ej‡Z Kx †evSvq? 2
2  XvKvi gwZwS‡j Ggb GKwU e¨vsK Av‡Q hv‡K Ab¨vb¨ e¨vs‡Ki M. DÏxc‡Ki gnvb›`v e¨vsK msMVb KvVv‡gvi wfwË‡Z †Kvb
AwffveK ejv nq| e¨vsKwU Zvi cÖavb Kvh©vjq QvovI evsjv‡`‡ki ai‡bi e¨vsK? e¨vL¨v Ki| 3
wewfbœ RvqMvq Gi kvLv i‡q‡Q| cÖwZwU kvLvq GKwU wbw`©ó Kÿ N. DÏxc‡Ki e¨vsK `ywUi †Kvb e¨vsKwU †`‡ki A_©‰bwZK Dbœq‡b
i‡q‡Q| AvšÍte¨vswKs †jb‡`b wb®úwËi Rb¨ †hLv‡b cÖwZw`b wewfbœ AwaKZi f‚wgKv cvjb K‡i e‡j Zzwg g‡b Ki? e¨vL¨v `vI| 4
e¨vs‡Ki †PK, WªvdU BZ¨vw` G‡m Rgv nq| L-wefvM : wegv
K. wbKvk Ni Kx? 1 8  Rbve kvnveyi Zvi evwowUi Rb¨ ÔevabÕ †Kv¤úvwbi mv‡_ 6 gvm
L. F‡Yi eivÏKiY bxwZ ej‡Z Kx †evSvq? 2 †gqvw` wegvPzw³ K‡ib| †gqv` †kl n‡j Rbve kvnveyi ÔevabÕ
M. DÏxc‡K DwjøwLZ e¨vsKwU †Kvb ai‡bi e¨vsK? Av‡jvPbv Ki| 3 †Kv¤úvwbi wbKU wegv`vwe Pvq| ÔevabÕ †Kv¤úvwb wegv`vwe cwi‡kva
N. DÏxc‡K DwjøwLZ e¨vsKwUi AvšÍte¨vswKs †jb‡`b wb®úwËi Ki‡Z A¯^xK…wZ Rvbvq|
welqwU we‡kølY Ki| 4 K. Avw_©K SzuwK Kx? 1
3  wg. ivbv we‡`k †_‡K G‡m eëmv Ki‡Z Pvb| †m j‡ÿ¨ wZwb 40 L. wegvPzw³ ej‡Z Kx †evSvq? 2
jÿ UvKv eëmv‡q wewb‡qvM K‡ib| ZvB wZwb Zvi eëmvwqK M. DÏxc‡K Rbve kvnveyi wegvPzw³i †Kvb cÿ? eY©bv Ki| 3
Kv‡Ri Rb¨ e¨vs‡K GKwU wnmve Lyj‡jb| e¨vsK Zv‡K GKwU †PK N. ÔevabÕ †Kv¤úvwbi wegv`vwe cwi‡kv‡a A¯^xK…wZ Rvbv‡bv
eB cÖ`vb K‡ib| wZwb †P‡Ki †_‡KI mn‡R enb Kiv hvq I †hŠw³K n‡q‡Q Kx? wegv bxwZi Av‡jv‡K we‡kølY Ki| 4
wbivc` Ggb wKQz e¨vsK †_‡K `vwe K‡ib| e¨vsK wg. ivbvi Pvwn`v 9  Rbve Zv‡iK ÷vi wgjm& wj. Gi gvwjK| `xN©w`b wZwb eëmv‡qi
†gvZv‡eK GKUv cøvw÷K KvW© mieivn K‡ib| wZwb KvW©wU eënvi Kv‡R wb‡qvwRZ Av‡Qb| wZwb jÿ K‡ib †h, gvby‡li Rxeb I
K‡i †`‡ki wewfbœ ¯’vb †_‡K memgq A_© D‡Ëvjb K‡ib| m¤ú`‡K wN‡i i‡q‡Q A‡bK SzuwK I AwbðqZv| Z‡e me ai‡bi
K. e¨vsK wnmve Kx? 1 SzuwK †_‡K cÖwZiÿvi Dcvq wn‡m‡e GK ai‡bi eë¯’vi Avwef©ve
L. †Kvb †PK AwaK wbivc`? 2 n‡q‡Q| ZvB Rbve Zv‡iK mKj w`K we‡ePbv K‡i wZwb Zvi
M. DÏxc‡K wg. ivbv †h wnmve †Lv‡jb †mwU †Kvb ai‡bi wnmve Ges †Kb? 3 Drcvw`Z mKj c‡Yï g~j¨ n«vm, cy‡o hvIqv, bó nIqv cÖf…wZ SzuwKi
N. DÏxc‡Ki wg. ivbv Zvi cøvw÷K KvW© eënvi K‡i wK memgq A_© Rb¨ 'AB' †Kv¤úvwbi mv‡_ Pzw³ K‡ib|
D‡Ëvjb Ki‡Z cvi‡eb? †Zvgvi DË‡ii mc‡ÿ hyw³ †`LvI| 4 K. SzuwK Kx? 1
4  Rbve Avãyjøvn GKRb e¨vsK Kg©KZ©v| cÖwZw`b wZwb wewfbœ ai‡bi L. AwbðqZv ej‡Z Kx †evSvq? 2
†jb‡`b m¤úbœ K‡ib| †hgb A_© Rgv`vb, D‡Ëvjb, A_© ¯’vbvšÍi M. DÏxc‡Ki Rbve Zv‡iK †Kvb ai‡bi cÖwZiÿv eë¯’v MÖnY
BZ¨vw`| GKRb MÖvnK e¨vs‡K GKwU AwaK wbivc` †PK Dc¯’vcb K‡ib K‡i‡Qb? e¨vL¨v Ki| 3
hvi gva¨‡g AwaK A_© D‡Ëvjb Kiv hvq| Rbve Avãyjøvn jÿ Ki‡jb N. Rbve Zv‡i‡Ki 'AB' †Kv¤úvwbi mv‡_ Pzw³ Kivi †hŠw³KZv
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K-wefvM : e¨vswKs c~‡e© e¨vs‡K Avi GKwU wnmve Ly‡jwQ‡jb| e¨vsK H mgq Zv‡K †PK eB
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K-wefvM : e¨vswKs 6  Rbve †ejvj Zvi †g‡q wiwgi 15Zg Rš§w`‡b 12-01-2021 Zvwi‡Li
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12 h‡kvi †evW© 2021 welq †KvW : 2 9 3

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i‡q‡Q| A¼zk AviI jÿ Kij †h, GK UvKvi †bv‡U A_© mwP‡ei Ges evwK GKwU wegv †Kv¤úvwbi wbKU wegv Ki‡Z PvB‡j †Kv¤úvwbwU Zv‡Z A¯^xK…wZ
me †bv‡U evsjv‡`k e¨vs‡Ki Mfb©‡ii ¯^vÿi i‡q‡Q| Rvbvq| cÿvšÍ‡i, hyev‡qi ÔnvB weìvm© Gi mv‡_ Zvi evwowU 12Zg Zjvq
K. ZvwjKvfz³ e¨vsK Kx? 1 DbœxZ Kivi Rb¨ Pzw³e× nb Ges ÔwkIi wmwKDwiwUÕ bvgK GKwU wegv
L. †Kb †K›`ªxq e¨vsK‡K miKv‡ii e¨vsK ejv nq? 2 †Kv¤úvwbi mv‡_ wegv K‡ib| wKš‘ 12Zg Zjv wbg©vYKv‡j evwowU †n‡j
M. DÏxc‡K DwjøwLZ A¼z‡ki nv‡Z cuvPkZ UvKvi †bvUwU †Kvb ai‡bi co‡j hyev‡qi wegv †Kv¤úvwbi wbKU ÿwZc~iY `vwe K‡ib| wKš‘ wkIi
†bvU? Av‡jvPbv Ki| 3 wmwKDwiwU wegv †Kv¤úvwb Zvi `vwe cÖZ¨vL¨vb K‡i| djkÖæwZ‡Z hyev‡qi
N. DÏxc‡Ki Av‡jv‡K miKvwi †bvU I e¨vsK †bv‡Ui c„_K Aw¯ÍZ¡ wegv †Kv¤úvwbi weiæ‡× AvBbMZ eë¯’v MÖnY Ki‡Z Zrci nq|
_vKvi cÖ‡qvRbxqZv we‡kølY Ki| 4 K. wegv †mjvwg Kx? 1
3  'X' e¨vsK A_©evRv‡ii wbqš¿Y K‡i _v‡K| G wbqš¿Y Kvh©µg‡K AviI L. wegv‡hvM¨ ¯^v_© ej‡Z Kx †evSvq? 2
djcÖm~ Kivi D‡Ï‡k¨ e¨vsKwU wmwKDwiwUR, †emiKvwi eÛ, wej BZ¨vw` M. DÏxc‡K DwjøwLZ ÔcÖùzwUZ KgjÕ bvgK wegv †Kv¤úvwbwUi Avwg‡bi
c~‡e©i Zzjbvq AwaK cwigv‡Y µq K‡i| d‡j 'X' e¨vsKwU FYcÖevn wbqš¿‡Y cÖ¯Ív‡e ivwR bv nIqvi KviY Kx? Av‡jvPbv Ki| 3
c~‡e©i Zzjbvq AwaK mdjZv AR©b K‡i| N. DÏxc‡Ki Av‡jv‡K hyev‡qi ÔwkIi wmwKDwiwUÕ wegv †Kv¤úvwbi wbKU
K. wbKvk Ni Kx? 1 †_‡K †Kv‡bv ÿwZc~iY cv‡e bv wegvi bxwZgvjv Abymv‡i we‡kølY Ki| 4
L. EFT ej‡Z Kx †evSvq? 2 9  wg. iwng GKRb RvnvR eëmvqx| we‡`k †_‡K cY¨ Avbv †bIqv Zvi
M. DÏxc‡K 'X' e¨vsK FY wbqš¿‡Yi †ÿ‡Î †Kvb c×wZ cÖ‡qvM K‡i‡Q? KvR| ê`y¨wZK kU©mvwK©‡Ui gva¨‡g Av¸b †j‡M Zvi GKwU Rvnv‡Ri `yB-
Av‡jvPbv Ki| 3 Z…Zxqvsk ÿwZMÖ¯Í nq| wKš‘ wZwb wegv †Kv¤úvwbi Kv‡Q m¤ú~Y© Rvnv‡Ri
N. DÏxc‡Ki Av‡jv‡K FY wbqš¿‡Y 'X' e¨vs‡Ki wm×v‡šÍi †hŠw³KZv we‡kølY Ki| 4 ÿwZc~iY †P‡q wegv`vwe †ck K‡ib| wegv †Kv¤úvwb cÖ_‡g `vwe c~i‡Y
4  Rbve Ckv †PŠayix GKRb Mv‡g©›Um eëmvqx| eëmvwqK Kv‡R Zuv‡K AcviMZv cÖKvk Ki‡jI cieZ©x‡Z kZ©mv‡c‡ÿ Zv c~iY Ki‡Z ivwR nq|
cÖwZw`b eo eo A‡¼i †jb‡`b Ki‡Z nq| †jb‡`b AwaK wbivc` ivLvi K. wegvPzw³ Kx? 1
Rb¨ wZwb Zvi e¨vsK KZ…©K cÖ`Ë †PK eënvi K‡ib| Zvi †P‡Ki evg cv‡k L. wegv‡K cig wek¦v‡mi Pzw³ ejv nq †Kb? 2
mgvšÍivj `ywU †iLv Uvbv Av‡Q| Rbve Ckv †PŠayix Giƒc GKLvbv †PK wg. M. wg. iwn‡gi `vwe c~i‡Y wegv †Kv¤úvwbi AcviMZv cÖKv‡ki KviY e¨vL¨v Ki| 3
w`kv Lvb‡K cÖ`vb Ki‡jb| wg. w`kv Lvb cÖvß †PKwU e¨vs‡K Dc¯’vcb N. Kx k‡Z© wegv †Kv¤úvwb wg. iwn‡gi `vwe c~iY Ki‡e e‡j Zzwg g‡b
Ki‡j e¨vsK bM` UvKv w`‡Z AcviMZv cÖKvk Kij| Ki? DË‡ii mc‡ÿ hyw³ `vI| 4
K. †PK Kx? 1 10  wg. wKmgZ GKwU †cvkvK Drcv`bKvix cÖwZôv‡b Ô†÷viwKcviÕ c‡` PvKwi
L. cÖK…Z aviK ej‡Z Kx †evSvq? 2 K‡ib| wKš‘ wZwb PvKwi nvwi‡q †dj‡j ev Amy¯’Zvi Kvi‡Y DcvR©bÿg _vK‡Z
M. DÏxc‡K DwjøwLZ Rbve Ckv †PŠayix Zvi †jb‡`‡bi Kv‡R †Kvb bv cvi‡j wKsev wZwb gviv †M‡j fwel¨‡Z Zvi ¯¿x I mšÍv‡bi Avw_©K wbivcËvi
ai‡bi †PK eënvi K‡i‡Qb? Av‡jvKcvZ Ki| 3 K_v wPšÍv K‡i cÖvqB DwØMœ n‡q c‡ob| Ae‡k‡l wZwb Zvi cwiev‡ii fwel¨r
N. DÏxc‡Ki Av‡jv‡K wg. w`kv Lvb‡K †P‡Ki UvKv cwi‡kv‡a e¨vs‡Ki Avw_©K wbivcËvi K_v †f‡e gvwmK 5,000 UvKv wcÖwgqvg cwi‡kva Kivi k‡Z©
A¯^xKvi KivB †hŠw³K wQj g~j¨vqb Ki| 4 ÔP›`ªgyLxÕ bvgK GKwU wegv †Kv¤úvwbi mv‡_ Pzw³e× n‡jb|
5  wg. wcKjy GKRb ÿz`ª eëmvqx| wZwb wewfbœ mvB‡Ri †c‡iK Drcv`b K‡i K. †evbvm Kx? 1
evRviRvZ K‡ib| wZwb 2 jÿ UvKvi GKLvbv †PK †c‡jb Ges UvKvi L. evwl©K e„wË ej‡Z Kx †evSvq? 2
cwigv‡Yi mvg‡b GKwU k~b¨ ewm‡q †PKLvbv e¨vs‡K Rgv †`b| Zvi †PKwU M. wg. wKmgZ ÔP›`ªgyLxÕ †Kv¤úvwbi mv‡_ †Kvb ai‡bi wegv K‡i‡Qb?
cÖZ¨vL¨vZ nq| cÿvšÍ‡i, wZwb wg. wnUjy‡K 3 jÿ UvKvi GKLvbv †PK cÖ`vb Av‡jvPbv Ki| 3
K‡ib| wg. wnUjy †PKwU e¨vs‡K Dc¯’vcb Ki‡j e¨vsK Zv cÖZ¨vL¨vb K‡i| N. DÏxc‡K DwjøwLZ wg. wKmg‡Zi AeZ©gv‡b wegv cwjwm Øviv Zvi
K. Av‡`óv †K? 1 cwiev‡ii m`m¨MY KZUzKz DcK…Z n‡eb? we‡kølY Ki| 4
L. A½xKvicÎ ej‡Z Kx †evSvq? 2 11  lô †kÖwY‡Z Aa¨qbiZ Aw¼Zv Gi †jLvcovi LiP wbe©vn Ki‡Z wM‡q
M. DÏxc‡K wg. wcKjyi cÖvß †P‡K UvKvi A¼ cwieZ©‡bi d‡j †PKwUi wngwkg Lv‡”Qb Zvi `wi`ª wcZv| wZwb Zvi GK eÜyi civg‡k© Aw¼Zvi
†kl cwiYwZ Kx n‡jv? Av‡jvPbv Ki| 3 cov‡kvbvi e¨q wbe©v‡ni Rb¨ Ô¯^cÕœ bvgK GKwU wegv †Kv¤úvwbi mv‡_
N. DÏxc‡K DwjøwLZ wg. wnUjyi cÖvß 3 jÿ UvKvi †PKwUi UvKv Kxfv‡e Pzw³e× nIqvi Rb¨ DcbxZ nb| Aw¼Zvi wcZv cÖ¯ÍveK wn‡m‡e Zvi †g‡qi
msMÖn Kiv m¤¢e e‡j Zzwg g‡b Ki? we‡kølY Ki| 4 bvg AšÍf³ z© Ki‡Z †P‡qwQ‡jb| wKš‘ wegv †Kv¤úvwb Zv‡K cÖ¯ÍveK wn‡m‡e
6  †jb‡`b Kivi Rb¨ wg. KzK I wg. ûK Gi 'A' e¨vsK wj. G GKwU K‡i c„_K MÖnY Ki‡Z A¯^xK…wZ Rvbvq| weKí Dcvq bv †c‡q Ae‡k‡l wZwb wb‡RB
wnmve Av‡Q| 'A' e¨vsK wj. Zv‡ì cÖ‡Z¨K‡K GKwU K‡i B‡jKUªwbK cøvw÷K cÖ¯ÍveK wn‡m‡e wegvPzw³wU m¤úv`b K‡ib|
KvW© mieivn K‡i‡Q| wg. KzK I wg. ûK mycvi k‡c KvW© eënv‡ii gva¨‡g K. ˆØZ wegv Kx? 1
†KbvKvUv Ki‡Z Af¨¯Í| GKw`b wg. KzK GKwU cY¨ wKb‡Z wM‡q Kv‡W©i L. mgc©Y g~j¨ ej‡Z Kx †evSvq? 2
gva¨‡g m¤ú~Y© g~j¨ cwi‡kva Ki‡Z e¨_© nb| cÿvšÍ‡i, wg. û‡Ki e¨vsK wnmv‡e M. DÏxc‡Ki Av‡jv‡K Aw¼Zvi wcZv KZ…©K M„nxZ wegvwU †Kvb ai‡bi
ch©vß cwigvY UvKv bv _vK‡jI cY¨ wK‡b g~j¨ cwi‡kva Ki‡Z mÿg nb| Rxeb wegv? Av‡jvPbv Ki| 3
K. ATM Kx? 1 N. DÏxc‡Ki Av‡jv‡K Pzw³i †Kvb Dcv`vbwU eZ©gvb _vK‡j cÖ¯ÍveK
L. fvPz©qvj e¨vswKs ej‡Z Kx †evSvq? 2 wn‡m‡e Aw¼Zv‡K AšÍf³ z© Kiv †hZ? †Zvgvi gZvgZ e¨³ Ki| 4
GBPGmwm cix¶vi cÖkœcÎ I DËigvjv : eûwbe©vPwb

19 XvKv †evW© 2022 welq †KvW : 2 9 3
mgq20 wgwbU wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ eûwbe©vPwb Afxÿv c~Y©gvb15
1. SWIFT Kx? wb‡Pi †KvbwU mwVK? 21. wegv`vwe cv‡eb KviY
K †PBb e¨vswKs K i I ii L i I iii i. wcÖwgqvg cwi‡kva K‡i‡Qb e‡j
L GKwU cwi‡kva c×wZ M ii I iii N i, ii I iii ii. wg. †mwjg g„ZzëiY K‡ibwb e‡j
M ÷K G·‡PÄ N wegv cÖwZôvb  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : iii. ÿwZc~i‡Yi bxwZ cÖ‡hvR¨ bq e‡j
2. †Kvb ms¯’vi wbqš¿‡Y evsjv‡`‡ki X e¨vsK wj. Gi Kvh©µg mviv‡`‡k wb‡Pi †KvbwU mwVK?
A_©evRvi cwiPvwjZ nq? we¯Í…Z| †`‡k A_©‰bwZK g›`v weivR Kivq K i I ii L i I iii
K †K›`ªxq e¨vsK L ÷K G·‡PÄ M ii I iii N i, ii I iii
X e¨vsK wj. Zvij¨ msK‡U fzM‡Q|
M A_© gš¿Yvjq N evwYR¨ gš¿Yvjq 22. wb‡Pi †KvbwU FY wbqš¿‡Yi mvaviY c×wZ?
13. X e¨vsK wj. †Kvb ai‡bi e¨vsK?
3. wg. 'K' wb‡Pi †Kvb e¨w³i wegv Ki‡Z cv‡i? K Rgvi nvi cwieZ©b bxwZ
K kvLv e¨vsK L GKK e¨vsK
K fvB L †evb L F‡Yi eivÏKiY bxwZ
M MÖæc e¨vsK N †PBb e¨vsK
M ¯¿x N PvPv M RvgvbZx F‡Yi cÖvwšÍK nvi cwieZ©b
4. we‡`k ågY Kivi Rb¨ wb‡Pi †Kvb KvW©wU 14. X e¨vsK wj. Zvij¨ msK‡U fzM‡Q KviY
N cÖPviYv c×wZ
DËg? i. AvgvbZ msMÖn Kg
23. wbKvk Ni eë¯’vi D™¢veK †K?
K †WweU KvW© L †µwWU KvW© ii. AwaK gybvdv K‡i
K wW-KK L gvk©vj
M gv÷vi KvW© N wfmv KvW© iii. FY Av`vq Kg
M Aiwfj N w÷‡db
5. †`‡ki cÖ‡qvR‡bi Zzjbvq †bvU Bmyï wb‡Pi †KvbwU mwVK? 24. evsjv‡`‡k cÖPwjZ e¨vsK †Kv¤úvwb AvBb
cwigvY Kg n‡j K i I ii L i I iii
KZ mv‡ji?
i. gy`ªvùxwZ N‡U M ii I iii N i, ii I iii
K 1981 L 1991
ii. wewb‡qvM K‡g 15. †Kvb e¨vsK evsjv‡`‡k cÖ_g †gvevBj M 2001 N 2010
iii. †eKvi mgm¨v ev‡o e¨vswKs Pvjy K‡i? 25. wb‡Pi †KvbwU AvšÍR©vwZK e¨vsK?
wb‡Pi †KvbwU mwVK? K †mvbvjx e¨vsK wj. K MÖvgxY e¨vsK L b¨vkbvj e¨vsK
K i I ii L i I iii L Bmjvgx e¨vsK wj. M wek¦ e¨vsK N evsjv‡`k e¨vsK
M ii I iii N i, ii I iii M WvP&-evsjv e¨vsK wj.
26. e¨vsK nvi e„w× †c‡j
6. †P‡Ki mewKQy h_vh_fv‡e c~iY K‡i ïay UvKvi N MÖvgxY e¨vsK
i. my‡ì nvi e„w× cvq
A¼ bv wjL‡j Zv‡K †Kvb ai‡bi †PK e‡j? 16. SMS Gi c~Yi © ƒc †KvbwU? ii. my‡ì nvi AcwiewZ©Z _v‡K
K evnK †PK L ûKzg †PK K Small message service
iii. F‡Yi cwigvY n«vm cvq
M `vMKvUv †PK N duvKv †PK L Short message service
M Short market service wb‡Pi †KvbwU mwVK?
7. wg. 'R' Gi wKQy cwigvY Ajm A_© Av‡Q| K i I ii L i I iii
N Small market service
Zvi †Kvb ai‡bi wnmve †Lvjv DwPZ? M ii I iii N i, ii I iii
K PjwZ wnmve L mÂqx wnmve
17. n¯ÍvšÍi‡hvM¨ AvBb KZ mv‡ji?
K 1881 L 1882  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
M ¯’vqx wnmve N †cbkb mÂqx wnmve
8. †Kvb †P‡Ki A_© e¨vsK wnmv‡ei gva¨‡g M 1991 N 1992 Ômvi`v e¨vsK wj.Õ GKwU kvLvi gva¨‡g
msMÖn Ki‡Z nq? 18. †PK cÖZ¨vL¨vZ nIqvi KviY e¨vswKs Kvh©µg cwiPvjbv K‡i| e¨vsKwUi
K evnK †PK L ûKzg †PK i. Av‡`óvi ¯^vÿi bv _vK‡j cwiPvjbv cwil` mviv‡`‡k e¨vsKwUi Kvh©µg
M gv‡K©U †PK N `vMKvUv †PK ii. AwMÖg Zvwi‡Li †PK n‡j cwiPvjbvi wm×všÍ †bq| GRb¨ e¨vsKwU‡K
9. eëmvqx †kÖwYi Rb¨ †Kvb ai‡bi wnmve iii. evwm †PK n‡j †K›`ªxq e¨vs‡Ki ZvwjKvfz³ n‡Z n‡e|
Dc‡hvMx? wb‡Pi †KvbwU mwVK? 27. Ômvi`v e¨vsK wj.Õ †Kvb ai‡bi e¨vsK?
K PjwZ wnmve L mÂqx wnmve K i I ii L i I iii K GKK e¨vsK L kvLv e¨vsK
M ¯’vqx wnmve N †cbkb mÂqx wnmve M ii I iii N i, ii I iii M wgkÖ e¨vsK N †PBb e¨vsK
10. T.T Gi c~Yi© ƒc n‡”Q 19. mgc©Y g~j¨ †Kvb wegvq cÖ‡hvR¨? 28. Ômvi`v e¨vsK wj.Õ †K ZvwjKvfz³ n‡Z
K Travellers Transport K AwMœ wegv L Rxeb wegv n‡j b~¨bZg Kx cwigvY cwi‡kvwaZ g~jab
L Telegraphic Transfer M †bŠ wegv N `yN©Ubv wegv I msiwÿZ Znwej _vK‡Z n‡e?
M Transfer Technic K 100 †KvwU UvKv L 200 †KvwU UvKv
N Teachers Training  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : M 300 †KvwU UvKv N 400 †KvwU UvKv
11. wbðqZvi Pzw³ n‡jv wg. †mwjg 1 eQ‡ii Rb¨ 2 jÿ UvKv w`‡q 29. evsjv‡`‡k wegv eëmv‡qi wbqš¿K ms¯’v
K AwMœ wegv L `yN©Ubv wegv B÷-I‡q÷ wegv †Kvs-Gi mv‡_ GKwU
n‡”Q
M Rxeb wegv N WvKvwZ wegv wegvPzw³ m¤úv`b Ki‡jb| wbw`©ó mgq K IDRA L IBRA
12. Rxeb wegvi Acwinvh© Dcv`vb n‡jv AwZevwnZ n‡j wZwb wegv `vwe K‡ib| M IDRB N BDRA
i. wegv‡hvM¨ ¯^v_© 20. wg. †mwj‡gi wegvcÎwU †Kvb ai‡bi? 30. wb‡Pi †KvbwU A-ZvwjKvfz³ e¨vsK?
ii. wbðqZvi Pzw³ K AvRxeb wegv L †gqvw` wegv K iƒcvjx e¨vsK wj. L c~evjx e¨vsK wj.
iii. ¯’jvwfwl³KiY M `yN©Ubv wegv N mvgwqK wegv M Bmjvgx e¨vsK wj. N MÖvgxY e¨vsK
1 L 2 K 3 M 4 L 5 M 6 N 7 M 8 N 9 K 10 L 11 M 12 K 13 K 14 L 15 M
16 L 17 K 18 N 19 L 20 L 21 L 22 K 23 M 24 L 25 M 26 L 27 K 28 N 29 K 30 N

1. †Kvb ai‡bi e¨vsK eë¯’vq AbjvBb 11. wb‡Pi †Kvb †ÿ‡Î wegv‡hvM¨ ¯^v_© we`¨gvb i‡q‡Q? 22. evsjv‡`k e¨vs‡Ki KvR n‡jv
e¨vswKs AmyweavRbK? K eÜyi Rxe‡b eÜyi L ¯^vgxi Rxe‡b ¯¿xi i. †bvU Bmy¨
K kvLv L MÖæc M eÜK`vZvi Rxe‡b eÜKMÖnxZvi ii. gy`ªvùxwZ wbqš¿Y
M GKK N †PBb N cvIbv`v‡ii Rxe‡b †`bv`v‡ii
iii. AvgvbZ MÖnY
2. B‡jKUªwbK e¨vswKs‡qi myweav¸‡jv n‡jv 12. AvRxeb wegvc‡Îi myweav n‡jv wb‡Pi †KvbwU mwVK?
i. e¨vsK DØ„Ë Rvbv hvq i. wcÖwgqvg Kg
ii. wewfbœ e¨vswKs †mev m¤ú‡K© Rvbv hvq ii. `vwe wbY©q mnR
23. evwYwR¨K e¨vsK¸‡jvi FY`vb Kvh©µ‡g
iii. †WweU ev †µwWU KvW© Gi myweav cvIqv hvq iii. cwiev‡ii m`m¨‡ì wbivcËv
wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK? jvMvg †U‡b aivi D‡Ï‡k¨ †K›`ªxq e¨vsK
K i I ii L i I iii M ii I iii N i, ii I iii K i I ii L i I iii M ii I iii N i, ii I iii evRv‡i FYcÎ I wej weµq ïiæ K‡i|
 DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : 13. GKRb eëmvqx cuvP jÿ UvKvi FY MÖnY GwU †K›`ªxq e¨vs‡Ki FY wbqš¿‡Yi †Kvb
Rbve Kv‡kg Gwmwe e¨vsK wj. n‡Z Ggb Ki‡j wb‡Pi †Kvb SzuwKi m¤§yLxb n‡eb? bxwZi g‡a¨ co‡e?
GK ai‡bi B‡j±ªwbK e¨vswKs †mev MÖnY K Avw_©K SzuwK L eëmvwqK SzuwK K †LvjvevRvi L e¨vsK nvi
K‡ib hvi gva¨‡g wZwb c„w_exi †h †Kv‡bv M dUKv SzuwK N we‡kl SzuwK M ˆbwZK cÖ‡ivPbv N †fvM¨ FY wbqš¿Y
cÖvšÍ †_‡K e¨vsK I‡qemvB‡U cÖ‡ek K‡i 14. wegvPzw³i mvaviY Dcv`vb †KvbwU? 24. †Kvb ai‡bi e¨vsK wnmv‡e my` cÖ`vb Kiv
†jb‡`b m¤úv`b Ki‡Z cvi‡eb| K cÖ¯Íve L ÿwZc~iY nq bv?
3. DÏxc‡K Rbve Kv‡kg †Kvb ai‡bi M wegv‡hvM¨ ¯^v_© N P‚ovšÍ mwØk¦vm K ¯’vqx L wWwcGm
e¨vswKs †mev MÖnY K‡i‡Qb? 15. me©cÖ_g †Kvb wegv eë¯’vi DrcwË nq? M PjwZ N mÂqx
K †nvg e¨vswKs L AbjvBb e¨vswKs K †bŠ wegv L AwMœ wegv 25. wkÿv_©x‡ì Rb¨ †Kvb e¨vsK wnmve
M GmGgGm e¨vswKs N †Uwj e¨vswKs M km¨ wegv N Rxeb wegv Dc‡hvMx?
4. Rbve Kv‡kg DÏxc‡K DwjøwLZ B‡j±ªwbK 16. Mviwbwk Av‡`k Rvwi K‡ib †K? K ¯‹zj mÂqx L M„n mÂqx
e¨vswKs †mev n‡Z †h myweavmg~n cv‡eb K e¨vsK L †`bv`vi
M wegv mÂqx N kÖwgK mÂqx
i. wnmve weeiYx msMÖn M cvIbv`vi N Av`vjZ
17. †Kvb ai‡bi e¨vsK wfbœ bv‡g ¯^vaxbmËv 26. †Kvb ai‡bi e¨vsK wnmv‡ei A_© GKev‡i
ii. F‡Yi wKw¯Í cwi‡kva Rgv w`‡Z nq I D‡Ëvjb Kiv nq?
iii. cvmIqvW© cwieZ©b eRvq †i‡L cvi¯úwiK mn‡hvwMZv I
mg‡SvZvi wfwË‡Z e¨vswKs Kvh©µg K ¯’vqx L mÂqx
wb‡Pi †KvbwU mwVK? M PjwZ N we‡kl PjwZ
K i I ii L i I iii M ii I iii N i, ii I iii cwiPvjbv K‡i _v‡K?
5. KYC Gi c~Yi © ƒc Kx? K MÖæc e¨vsK L kvLv e¨vsK 27. GKwU êa †P‡Ki †gqv`Kvj KZ gvm?
K Know Your Customer M †PBb e¨vsK N GKK e¨vsK K3 L6 M9 N 12
L Know Your Consumer 18. e¨vsK nvi e„w×i cÖfve Kx? 28. †P‡K `vMKvUvi D‡Ïk¨mg~n n‡jv
M Know Your Creditor K evRv‡i F‡Yi cwigvY evo‡e i. wbivcËv weavb
N Know Your Client L evRv‡i F‡Yi cwigvY w¯’i _vK‡e ii. RvwjqvwZ †iva
6. SzuwK MÖn‡Yi wewbgq g~j¨‡K Kx e‡j? M evwYwR¨K e¨vsK¸‡jvi my‡ì nvi Kg‡e
K e„wË L †evbvm iii. eo A‡¼i †jb‡`b
N evwYwR¨K e¨vs‡Ki my‡ì nvi e„w× cv‡e
M wcÖwgqvg N bM` wb‡Pi †KvbwU mwVK?
 DÏxcKwU c‡o 19 I 20bs cÖ‡kœi DËi `vI : K i I ii L i I iii M ii I iii N i, ii I iii
7. eZ©gv‡b evsjv‡`‡k KZ mv‡ji wegv AvBb Rbve mv‡qg GKRb wk‡ív‡`¨v³v| bZzb
cÖPwjZ i‡q‡Q? GKwU we`y¨r cøv›U ¯’vc‡bi Rb¨ cÖPzi A‡_©i  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
K 1991 L 1993 Rbve wiqvR GKRb †µZvi wbKU †_‡K 2
cÖ‡qvRb n‡j wZwb evsjv‡`k wkí e¨vs‡Ki
M 1994 N 2010 Rvbyqvwi 2022 Zvwi‡L ÔRbve wiqvR A_ev
kiYvcbœ nb|
8. wb‡Pi †Kvb wegvi †ÿ‡Î MÖæc wegv cÖ‡hvR¨? 19. DÏxc‡K DwjøwLZ evsjv‡`k wkí e¨vsK evnK‡KÕ †jLv msewjZ GKwU †PK †c‡jb|
K Rxeb wegv L AwMœ wegv eëmvwqK cÖ‡qvR‡b nVvr Zv‡K we‡`k †h‡Z
†Kvb ai‡bi e¨vsK?
M eb¨v wegv N km¨ wegv nq Ges we‡`k †_‡K wd‡i wZwb 12B RyjvB
K †K›`ªxq e¨vsK L evwYwR¨K e¨vsK
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : M AvÂwjK e¨vsK N we‡klvwqZ e¨vsK 2022 Zvwi‡L †PKwU e¨vs‡K Rgv w`‡j
Rbve AvwRg Zvi wb‡Ri Rxe‡bi Ici 10 20. DÏxc‡Ki e¨vsK n‡Z Rbve mv‡qg †h e¨vsK Kg©KZ©v †mwU wdwi‡q †`q|
eQ‡ii Rb¨ GKwU wegvcÎ †Lv‡jb| wegvcÎwU myweavmg~n cv‡eb 29. 12B RyjvB 2022 Zvwi‡L Rbve wiqv‡Ri
†Lvjvi ci wZwb wPšÍvgy³ Rxebhvcb Ki‡Qb| i. Avw_©K cÖ‡Yv`bv e¨vs‡K cÖ`Ë †PKwU †Kvb ai‡bi †PK?
9. DÏxc‡K Rbve AvwRg †Kvb ai‡bi Rxeb ii. wewb‡qvM welqK civgk© K evwm †PK L duvKv †PK
wegv †Lv‡jb? iii. ¯^í I `xN©‡gqvw` FY M ûKzg †PK N `vMKvUv †PK
K †gqvw` wegv L mvgwqK wegv wb‡Pi †KvbwU mwVK?
M AvRxeb wegv N DËiRxex wegv
30. Rbve wiqvR D³ †PKwU bM`vq‡bi Rb¨
10. DÏxc‡K Rbve AvwR‡gi wPšÍvgy³ 21. RbM‡Yi †cÖvwU‡bi Pvwn`v wgUv‡bvi j‡ÿ¨ hv Ki‡Z cv‡ib
Rxebhvc‡bi KviYmg~n n‡jv †K›`ªxq e¨vsK evwYwR¨K e¨vsK¸‡jv‡K i. wbKvkN‡ii gva¨‡g wb®úwËKiY
i. wewb‡qvM myweav Mevw`cïi dv‡g© eva¨Zvg~jK FY cÖ`v‡bi ii. †PKwU †diZ w`‡q bZzb †PK msMÖn
ii. wbivcËv I wbðqZv cvIqv wb‡`©kbv †`q| GwU †K›`ªxq e¨vs‡Ki FY iii. Av‡`óv KZ…©K †P‡Ki ZvwiL cwieZ©b
iii. gvbwmK cÖkvwšÍ jvf wbqš¿‡Yi †Kvb bxwZi g‡a¨ co‡e? K‡i ¯^vÿi MÖnY
wb‡Pi †KvbwU mwVK? K e¨vsK nvi L †LvjvevRvi wb‡Pi †KvbwU mwVK?
K i I ii L i I iii M ii I iii N i, ii I iii M FY eivÏKiY N cÖPviYv c×wZ K i I ii L i I iii M ii I iii N i, ii I iii
1 M 2 L 3 K 4 K 5 K 6 M 7 N 8 K 9 K 10 N 11 L 12 N 13 K 14 K 15 K
16 N 17 M 18 N 19 N 20 M 21 M 22 K 23 K 24 M 25 K 26 K 27 L 28 N 29 K 30 M
21 h‡kvi †evW© 2022 welq †KvW : 2 9 3

1. wb‡Pi †KvbwU ÿwZc~i‡Yi Pzw³ mswkøó? 11. e¨vsK Ae †fwbm KZ mv‡j cÖwZwôZ nq? 20. Avwe‡ì eÜy e¨vs‡K †Kvb ai‡bi wnmve
K ¯^v¯’¨ L e¨w³MZ `yN©Ubv K 1157 L 1494 Ly‡j‡Q?
M km¨ N MÖæc M 1401 N 1177 K PjwZ L mÂqx
2. wegv n‡jv 12. evsjv‡`‡k e¨vsK eëmvq ¸iæZ¡c~Y© nIqvi M ¯’vqx N †cbkb mÂqx
K SzuwK cÖwZ‡ivaKvix eëmvq KviY 21. Avwe` Zvi eÜyi g‡Zv e¨vsK wnmve Lyj‡j
L SzuwKi wec‡ÿ Avw_©K cÖwZiÿv eë¯’v i. GwU SzuwKMZ cÖwZeÜKZv `~i K‡i †h ai‡bi myweav cv‡e
M m¤úwËi SzuwK †gvKv‡ejvKvix ii. mÂq msMÖn I g~jab MVb K‡i i. mÂ‡qi
N Rxe‡bi SzuwK MÖnYKvix iii. ê‡`wkK evwY‡R¨ mnvqZv K‡i
ii. FY
3. wegv‡hvM¨ ¯^v_© ej‡Z g~jZ Kvi ¯^v_©‡K eySvq? wb‡Pi †KvbwU mwVK?
iii. AbjvBb e¨vswKs
K wegvKvix L wegvMÖnxZv K i I ii L i I iii M ii I iii N i, ii I iii
M †jb‡`bK…Z e¨vsK  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI :
N wegvKvix I wegvMÖnxZv DfqB Rbve iv‡mj GKRb e¨vsKvi| Zvi e¨vs‡Ki
22. A½xKvic‡Î mvaviYZ KqwU cÿ _v‡K?
Kvh©µg mviv‡`‡k we¯Í…Z| A_©‰bwZK g›`vi
K2 L3 M4 N5
wg. mvB`yi ingvb `xN©w`b GKwU evmvq Kvi‡Y e¨vsKwU Zvij¨ msK‡U fzM‡Q|
13. Rbve iv‡m‡ji e¨vsKwU †Kvb ai‡bi e¨vsK? 23. †Kvb ai‡bi †P‡Ki n¯ÍvšÍi mnR?
fvov _v‡Kb| wZwb wbR bv‡g evmvwU wegv K e¨vsK L ûKzg
K GKK L kvLv M MÖæc N †PBb
Ki‡Z PvB‡j wegv †Kv¤úvwb Zvi cÖ¯Ív‡e M `vMKvUv N duvKv
A¯^xK…wZ Rvbvq| 14. DÏxc‡Ki e¨vs‡K Zvij¨ msK‡Ui KviY
i. bZzb AvgvZ Kg Rgv n‡”Q
24. bZzb ai‡bi MICR †P‡K †Kvb Ni
4. wg. mvB`yi ingvb †Kvb ai‡bi wegv Ki‡Z c~i‡Yi cÖ‡qvRb c‡o bv?
ii. cÖ`Ë FY Av`vq n‡”Q bv
†P‡qwQ‡jb? K ZvwiL L wnmve bs
iii. wgZe¨wqZvi bxwZ Abym„Z n‡”Q bv
K Rxeb L AwMœ M UvKvi cwigvY
M `vq N m¤úwË N AvgvbZKvixi ¯^vÿi
5. wegv †Kv¤úvwb KZ…©K cÖ¯ÍvewU cÖZ¨vL¨v‡bi 15. CRR Gi c~Yi© ƒc †KvbwU?  DÏxcKwU c‡o 25 I 26bs cÖ‡kœi DËi `vI :
KviY Kx? K Cash Requirement Ratio wg. eveyj Kwei‡K GKwU †PK cÖ`vb K‡ib|
K P‚ovšÍ mwØk¦v‡mi Afve L Cash Requirement Reserve
Kwei †PKwU kvwnb‡K cÖ`vb K‡i| kvwnb
L wegv‡hvM¨ ¯^v‡_©i Afve M Cash Reserve Requirement
N Cash Reserve Ratio †PKwU e¨vs‡K Rgv w`‡j e¨vsKvi †P‡Ki A_©
M SzuwKi AvwaK¨
N cÖZ¨ÿ KviY m¤úwK©Z mgm¨v 16. bM` Rgv FY wbqš¿‡Yi †Kvb c×wZi cwi‡kva Ki‡Z AcviMZv cÖKvk K‡i|
6. †Kvb ai‡bi Rxeb wegvc‡Î wcÖwgqv‡gi mv‡_ m¤úwK©Z? 25. DÏxc‡K Av‡jvwPZ †PKwU †Kvb ai‡bi †PK?
K e¨vsK nvi bxwZ L †LvjvevRvi bxwZ K `vMKvUv L evnK
nvi †ewk nq?
M Rgvi nvi cwieZ©b bxwZ M ûKzg N ågYKvixi †PK
K †gqvw` L mvgwqK
N Rvgvb‡Zi cÖvwšÍK nvi cwieZ©b bxwZ 26. †Kvb ai‡bi †PK n‡j kvwnb e¨vsK n‡Z
M AvRxeb N MÖæc
17. wb‡Pi †KvbwU wbKvk N‡ii êwk‡óï A_© D‡Ëvjb Ki‡Z cviZ?
7. mvgwqK wegvc‡Îi †gqv` me©wb¤œ KZ
AvIZvq c‡o bv? K `vMKvUv L evnK
mg‡qi Rb¨ n‡Z cv‡i?
K wba©vwiZ Ni M ûKzg N we‡klfv‡e `vMKvUv
K 1 gvm L 3 gvm
L †`bv-cvIbv wb®úwË 27. SWIFT Gi Kvh©µg me©cÖ_g ïiæ nq KZ
M 6 gvm N 1 eQi
M cÖvZ¨wnK KvR mv‡j?
8. Rxeb wegvPzw³i Acwinvh© Dcv`v‡bi g‡a¨ N bM` A‡_©i †jb‡`b
c‡o K 1970 L 1973
18. evsjv‡`k e¨vs‡Ki KvR n‡jv M 1972 N 1990
i. wegv‡hvM¨ ¯^v_© i. †bvU I gy`ªvi cÖPjb
ii. mwØk¦v‡mi m¤úK© 28. B‡jKUªwbK e¨vswKs eë¯’vq MÖvn‡Ki Rb¨
ii. gy`ªvi gvb msiÿY
iii. ¯’jvwfwl³KiY myweav †KvbwU?
iii. FY wbqš¿Y
wb‡Pi †KvbwU mwVK? K †mev e¨q e„w×
K i I ii L i I iii M ii I iii N i, ii I iii L MÖvnK †mevi cwigvY e„w×
Ki L i I ii M i I iii N i, ii I iii
9. Rxeb wegvc‡Îi wewfbœ aib n‡jv M cÖwZ‡hvwMZvi mvg_©¨ e„w×
19. †Kv¤úvwbi wnmve Lyj‡Z wb‡Pi †KvbwU
i. †gqvw` mswkøó bq? N KvMR wbf©iZv n«vm
ii. AvRxeb K †UªW jvB‡mÝ L Pzw³cÎ 29. †µwWU Kv‡W©i gva¨‡g Kiv hvq
iii. mvgwqK M wbeÜbcÎ N ¯§viKwjwc K wej Av`vq L A_© ¯’vbvšÍi
wb‡Pi †KvbwU mwVK?  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : M FY cwi‡kva N cY¨ µq
K i I ii L i I iii M ii I iii N i, ii I iii Avwe` GKRb wkÿv_©x| †m †`Lj Zvi eÜy 30. †Kvb ai‡bi wegv †_‡K mÂq myweav jvf
10. †Kvb ai‡bi wegvc‡Î †evbvm cÖ`vb Kiv nq? e¨vs‡Ki †WweU KvW© eënvi K‡i| †m Kiv hvq?
K †bŠ L AwMœ fvej †mI Zvi eÜyi g‡Zv wnmve Lyj‡j K Rxeb L †bŠ
M km¨ N Rxeb bvbvb myweav cv‡e| M AwMœ N `yN©Ubv
1 M 2 L 3 L 4 L 5 L 6 K 7 L 8 K 9 N 10 N 11 K 12 M 13 L 14 K 15 M
16 M 17 N 18 N 19 L 20 L 21 L 22 K 23 K 24 L 25 K 26 L 27 L 28 L 29 N 30 K

1. wegv‡hvM¨ ¯^v_© †KvbwU‡Z Av‡Q? wb‡Pi †KvbwU mwVK? 20. evnK †PK I ûKzg †P‡Ki g‡a¨ †h wgj we`¨gvb
K ¯^vgxi Rxe‡b ¯¿xi K i I ii L i I iii M ii I iii N i, ii I iii i. cÖvc‡Ki bvg D‡jøL Kiv Avek¨K bq
L eÜyi Rxe‡b eÜyi  DÏxcKwU c‡o 11  13bs cÖ‡kœi DËi `vI : ii. Av‡`óv‡K ¯^vÿi Ki‡Z nq
M Kg©Pvixi Rxe‡b Kg©KZ©vi wg. iwng Ges wg. Kwig h_vµ‡g 'A' e¨vsK wj. iii. `vMKvUv hvq
N †µZvi Rxe‡b we‡µZvi I 'B' e¨vsK wj. G PvKwi K‡ib| †`ke¨vcx 'A' wb‡Pi †KvbwU mwVK?
 DÏxcKwU c‡o 2 I 3bs cÖ‡kœi DËi `vI : e¨vsK wj. Gi Kvh©µg Pjgvb _vK‡jI 'B' e¨vsK K i I ii L ii I iii M i I iii N i, ii I iii
wg. AvKvk GKRb Kvco eëmvqx| wZwb Zvi wj. †Kej XvKvi wgicyi-10 GjvKvq †mev cÖ`vb 21. me‡P‡q †ewk SzuwKc~Y© wewbg‡qi gva¨g †KvbwU?
c‡Yï ¸`vg wegv K‡i‡Qb| Pzw³c‡Î ¸`v‡g iwÿZ K‡i| eQi †k‡l †`Lv †Mj †h, G eQi cÖvK…wZK K †PK L e¨vsK †bvU
c‡Yï mwVK cwigvY D‡jøL bv Kivq wegv †Kv¤úvwb cÖwZK‚jZvi Kvi‡Y `yÕwU e¨vsKB Zvij¨ msK‡U M Uªv‡fjvi †PK N WªvdU
Zvi Pzw³ evwZj K‡i‡Q| wZwb Ab¨ GKwU wegv c‡o‡Q| Zey eQi †k‡l 'A' e¨vsK wj. 'B' e¨vsK  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI :
†Kv¤úvwbi mv‡_ D³ wel‡q wbR bv‡g wegvPzw³ wj. Gi Zzjbvq AwaK gybvdv K‡i‡Q| wg. †jvKgvb †KbvKvUv Ki‡Z evRv‡i wM‡q
Ki‡Z PvB‡j †Kv¤úvwb Zv‡Z m¤§Z nqwb| 11. 'A' e¨vsKwU †Kvb ai‡bi e¨vsK? †`‡Lb †h, Zvi Kv‡Q ch©vß cwigvY bM` UvKv
2. †Kvb bxwZwU bv gvbvi Kvi‡Y wg. AvKv‡ki K †PBb e¨vsK L kvLv e¨vsK †bB| G‡ÿ‡Î wZwb `ª‡eï g~j¨ eve` UvKv¸‡jv
cÖ_g Pzw³wU evwZj n‡q‡Q? M GKK e¨vsK N †Mvôx e¨vsK B‡jKUªwbK cøvw÷K Kv‡W©i gva¨‡g Zvi e¨vsK
K cÖZ¨ÿ KviY L mwØk¦vm 12. 'A' e¨vsK wj. I 'B' e¨vsK wj. Gi Zvij¨ wnmve †_‡K cwi‡kva Ki‡jb, hwÌ wg.
M ¯’jvwfwl³KiY N wbw`©óZv msKU nIqvi KviY †jvKgv‡bi e¨vsK wnmv‡e ch©vß cwigvY UvKv
3. †Kvb bxwZi Dcw¯’wZ _vK‡j wg. AvKv‡ki i. F‡Yi UvKv Abv`vwq _vK‡Q wQj bv|
wØZxq Pzw³wU‡Z wegv †Kv¤úvwb ivwR n‡Zv? ii. `ÿZvi bxwZ cvjb Kiv nqwb 22. DÏxc‡Ki Av‡jv‡K wg. †jvKgvb †Kvb ai‡bi
K †mjvwg cÖ`vb eë¯’v L wegv‡hvM¨ ¯^v_© iii. bZzb K‡i AvgvbZ Avm‡Q bv KvW© eënvi K‡i‡Qb?
M P‚ovšÍ mwØk¦vm N SzuwKi ¯^íZv wb‡Pi †KvbwU mwVK? K myBdU L †WweU
4. evsjv‡`k BÝy‡iÝ GKv‡Wwg MwVZ nIqvi mvj K i I ii L ii I iii M i I iii N i, ii I iii M †µwWU N GwUGg
†KvbwU? 13. Kx Kvi‡Y 'A' e¨vsK wj. Gi Zzjbvq 'B' e¨vsK 23. wg. †jvKgv‡bi g~ j ¨ cwi‡kvawU †Kvb ai‡bi
K 1971 L 1972 wj. Kg gybvdv K‡i‡Q? Kvh©µ‡gi bgybv?
K e„n`vKvi eëmvq cÖwZôvb K †PBb e¨vswKs L B‡jKUªwbK e¨vswKs
M 1973 N 1974
L wm×všÍ MÖ n ‡Y wej¤^ n‡q‡Q M †Uwj e¨vswKs N †gvevBj e¨vswKs
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : 24. †nvg e¨vswKs‡qi Rb¨ ìKvi nq
Rbve Bw`ªm GKRb Kz‡qZ cÖevmx| wZwb M c‡ivÿ e¨q †ewk n‡q‡Q
N g~ja‡bi MwZkxjZvi Afve i. Kw¤úDUvi Uvwg©bvj
we‡`‡k hvIqvi wm×všÍ †bIqvi Av‡MB †`‡k ii. MÖvn‡Ki PIN b¤î
wb‡Ri Rb¨ ¯^í wcÖwgqv‡g GKwU wegv cwjwm 14. †Kvb ai‡bi MÖ
v nK mÂqx wnmve Ly j ‡Z AwaK
†hŠw³K g‡b K‡i? iii. e¨vs‡Ki mieivnK…Z mdUIq¨vi
µq K‡i‡Qb| K‡qK eQi ci †`‡k †eov‡Z wb‡Pi †KvbwU mwVK?
K K…lK L cY¨ Avg`vwbKviK
G‡m wZwb Zvi wegv cwjwmwU bevqb K‡i hvb| K i I ii L ii I iii M i I iii N i, ii I iii
M KvwqK cwikÖgx N PvKwiRxex
5. DÏxc‡Ki Av‡jv‡K Rbve Bw`ªm †Kvb ai‡bi 25. †h †P‡Ki †gqv‡`vËxY© n‡q‡Q Zvi bvg
wegv cwjwm MÖnY K‡iwQ‡jb? 15. KYC Gi c~Y©iƒc Kx?
K Know Your Customer i. evwm †PK
K weï× †gqvw` wegvcÎ L Know Your Consumer ii. evwZj †PK
L mvgwqK wegvcÎ M Know Your Colleague iii. duvKv †PK
M mvaviY †gqvw` wegvcÎ N Know Your Criteria
N AvRxeb wegvcÎ 16. GKwU e¨vsK wnmve eÜ n‡q hvq K i I ii L i I iii M ii I iii N i, ii I iii
6. DÏxc‡Ki Rbve Bw`ª‡mi wegv cwjwm‡Z i. Av`vj‡Zi wb‡`©k †c‡j
26. e¨vs‡Ki †cŠbtcywbK wnmv‡e
wcÖwgqv‡gi cwigvY Kg nIqvi KviY ii. MÖvnK B”Qv †cvlY Ki‡j
i. evievi A_© Rgv †Ìqv hvq
i. g„Zz¨B wegv`vwe c~i‡Yi kZ© iii. e¨vsK B”Qv †cvlY Ki‡j
ii. hZevi B”Qv D‡Ëvjb Kiv hvq
ii. ¯^í mg‡qi Rb¨ wZwb wegvcÎ wb‡q‡Qb wb‡Pi †KvbwU mwVK? iii. AwaK nv‡i my` cvIqv hvq
iii. g„Zz¨ bv NU‡j wegv bevqb Kiv hvq K i I ii L i I iii M ii I iii N i, ii I iii
wb‡Pi †KvbwU mwVK? 17. †Kvb wnmveavix‡K ATM KvW© mieivn Kiv nq bv? K i I ii L ii I iii M i I iii N i, ii I iii
K i I ii L ii I iii M i I iii N i, ii I iii K PjwZ L mÂqx
27. B‡jKUªwbK e¨vswKs †mev †Kvb †`‡k cÖ_g ïiæ nq?
7. †h SzuwKi †ÿ‡Î ÿwZi AvksKv ¯^vfvwe‡Ki M ¯’vqx N we‡kl PjwZ
K hy³ivR¨ L hy³ivóª
†P‡q Kg Zv‡K Kx SzuwK ejv nq?  DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI : M BZvwj N wbDwRj¨vÛ
K Av`wk©K L DËg Av`wk©K Rbve KvR‡ji wbKU †_‡K Rbve AvRgj GKLvbv 28. wegvi BwZnv‡m me©cÖ_g D™¢e N‡U‡Q †KvbwUi?
M Dc-Av`wk©K N Awegv‡hvM¨ †PK †c‡q‡Qb| Rbve KvRj †PK cÖ¯‘Z Ki‡Z wM‡q K AwMœ wegv L Rxeb wegv
8. BZvwjqvb Banco kãwU †Kvb Rvg©vb kã †_‡K Zvwi‡Li RvqMvq 12-03-2022 ZvwiL bv wj‡L M †bŠ wegv N `vq wegv
G‡m‡Q? fzjµ‡g 12-04-2022 ZvwiL wj‡L‡Qb| 29. evsjv‡`‡k wegv eëmv‡qi we`¨gvb mgm¨v
K Banca L Bancus 18. cÖvß †PKwU Rbve AvRg‡ji wbKU †Kvb ai‡bi? †iv‡a KiYxq n‡jv
M Banke N Banc K evwm †PK L cieZ©x Zvwi‡Li †PK i. wegv wkÿvi cÖmvi
9. Ô†bvU I gy`ªvi cÖPjbÕ †K›`ªxq e¨vs‡Ki Kx M c~e©eZ©x Zvwi‡Li †PK N Aby‡gv`bcÖvß †PK ii. wegv eëmv‡qi AvaywbKxKiY
ai‡bi Kvh©vewji AvIZvfz³? 19. Rbve AvRgj †PKwUi UvKv Zzj‡Z cvi‡eb iii. MÖv‡g ÿz`ª wegv †mev PvjyKiY
K mvaviY L miKv‡ii e¨vsK i. 12-04-2022 Zvwi‡L e¨vs‡K Dc¯’vcb K‡i wb‡Pi †KvbwU mwVK?
M Ab¨ e¨vs‡Ki e¨vsK N DbœqbmsµvšÍ ii. 12-04-2022 Gi c‡i e¨vs‡K Dc¯’vcb K‡i K i I ii L i I iii M ii I iii N i, ii I iii
10. †K›`ªxq e¨vsK Ab¨vb¨ e¨vsK †_‡K c„_K, KviY iii. Rbve KvRj KZ…©K †P‡Ki ZvwiL 30. wegvK…Z e¨w³i g„Zzï ci wegv`vwe cwi‡kva
i. †bvU cÖPjb ms‡kvwaZ n‡j Kiv nq †Kvb wegvq?
ii. wbKvk Ni wb‡Pi †KvbwU mwVK? K AvRxeb wegvcÎ L Rxeb wegv
iii. miKv‡ii e¨vsK K i I ii L i I iii M ii I iii N i, ii I iii M mvgwqK wegvcÎ N †Mvôx wegv
1 K 2 L 3 L 4 M 5 L 6 N 7 L 8 M 9 K 10 N 11 L 12 M 13 N 14 N 15 K
16 L 17 M 18 L 19 N 20 L 21 L 22 M 23 L 24 N 25 K 26 M 27 L 28 M 29 K 30 K

1. †P‡K DwjøwLZ ZvwiL n‡Z KZ w`b ci evwm 9. Rbve kwdK wegv †Kv¤úvwb n‡Z †h A_© MÖnY 19. evsjv‡`‡ki †K›`ªxq e¨vs‡Ki bvg Kx?
†P‡K cwiYZ nq? K‡ib Zv‡K Kx e‡j? K e¨vsK Ae evsjv‡`k L †mvbvjx e¨vsK
K 365 L 180 K †evbvm L evwl©K e„wË M †m›Uªvj e¨vsK N evsjv‡`k e¨vsK
M 90 N 30 M wcÖwgqvg N mgc©Y g~j¨ 20. PIN Gi c~Y©iƒc Kx?
2. 50 UvKvi †bv‡U Kvi ¯^vÿi _v‡K? 10. DÏxc‡K DwjøwLZ G ai‡bi Avw_©K myweav K Private Identification Number
L Public Identification Number
K ivóªcwZ L A_©gš¿x cÖvwßi †ÿ‡Î M Personal Identification Number
M Mfb©i N A_©mwPe i. wegvcÎwU Kgc‡ÿ 2 eQi Pvjy ivL‡Z nq N Personnel Identification Number
 DÏxcKwU c‡o 3bs cÖ‡kœi DËi `vI : ii. cÖvß wcÖwgqvg n‡Z GKwU Ask wegv 21. †WweU KvW© Gi myweav n‡jv
Rbve mvjvnDwÏb Zvi e¨vs‡K hvIqvi c‡_ MÖnxZv‡K †`qv nq i. 24/7 e¨vswKs myweav
nv‡Z _vKv †PK eBwU nvwi‡q †d‡j| A‡bK iii. †gqvw` I AvRxeb wegvc‡Îi †ejvqB ii. av‡i cY¨ µq myweav
†LuvRv-LyuwRi ciI †PK eBwU cvIqv hvqwb| Giƒc g~j¨ cÖ`vb Kiv nq iii. A_© ¯’vbvšÍi myweav
3. Rbve mvjvnDwÏ‡bi ZvrÿwYK Kx eë¯’v wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
†bIqv DwPZ?
i. cwÎKvq weÁvcb †Ìqv
11. evsjv‡`‡k eZ©gv‡b KZ mv‡ji wegv AvBb 22. e¨vsK¸‡jv‡K CRR msiÿY Ki‡Z nq
ii. e¨vsK‡K Rvbv‡bv
Kvh©Ki i‡q‡Q? K mÂqc‡Î L e‡Û
K 1932 L 1965 M bM‡` I e‡Û N bM‡`
iii. wR. wW. Kiv
M 1994 N 2010 23. AvaywbK A_©bxwZi Rxebx kw³ †KvbwU?
12. b~¨bZg KZ eQi Rxeb wegvi cwjwm Pvjy K A_© L wewb‡qvM
_vK‡j mgc©Y g~j¨ cÖ`vb Kiv nq? M g~jab N e¨vsK
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : K1 L2 24. evsjv‡`‡k †Kvb e¨vsK mvaviYZ ¯’vbxq ch©v‡q
c~evjx e¨vsK wjwg‡UW C012345 M3 N4 †K›`ªxq e¨vs‡Ki c‡ÿ wbKvkN‡ii `vwqZ¡ cvjb
LvZzbMÄ kvLv Zvs........
 DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : K‡i?
evnK................................................
UvKv ................................................
Rbve iwKe GKRb eëmvqx| wZwb †gNbv K †mvbvjx e¨vsK wj. L RbZv e¨vsK wj.
cwigvY ¯^v¶i e¨vs‡K GKwU wnmve †Lv‡jb| hv‡Z wZwb hLb M iƒcvjx e¨vsK wj. N DËiv e¨vsK wj.
B”Qv UvKv Rgv I D‡Ëvjb Ki‡Z cv‡ib| c~‡e© 25. †KvbwU evsjv‡`k e¨vs‡Ki †bvU bq?
4. DÏxc‡Ki †PKwU †Kvb ai‡bi? wZwb wbw`©ó GKwU kvLvq G †jb‡`b Ki‡Z K 100 UvKv L 50 UvKv
K mvaviY `vMKvUv †PK L we‡kl `vMKvUv †PK
cvi‡Zb| wKš‘ eZ©gv‡b wZwb †h †Kv‡bv kvLvq M 10 UvKv N 2 UvKv
M evnK †PK N Dcnvi †PK
UvKv Rgv Ki‡Z Ges DVv‡Z cv‡ib| 26. e¨vs‡Ki KvR n‡jv
5. DÏxc‡K DwjøwLZ †P‡Ki †ÿ‡Î 13. Rbve iwK‡ei wnmvewU †Kvb ai‡bi? i. AvgvbZ msMÖn
i. wbw`©ó e¨vs‡K cÖvc‡Ki wnmv‡e Rgv w`‡q K PjwZ wnmve L ¯’vqx wnmve ii. SzuwK eÈb
A_© msMÖn Kiv hv‡e M we‡kl PjwZ wnmve N mÂqx wnmve iii. FY`vb
ii. wbw`©ó e¨vs‡K †PK Rgv w`‡q bM‡` A_© 14. DÏxc‡K DwjøwLZ Rbve iwKe †Kvb e¨vswKs wb‡Pi †KvbwU mwVK?
msMÖn Kiv hv‡e †mevi Kvi‡Y †h †Kv‡bv kvLvq †jb‡`b Ki‡Z K i I ii L i I iii M ii I iii N i, ii I iii
iii. G ai‡bi †P‡Ki gva¨‡g e¨vsK FY cv‡ib? 27. evsjv‡`‡ki A_© evRv‡ii wbqš¿K †K?
AvgvbZ m„wó Ki‡Z cv‡i K AbjvBb e¨vswKs †mev L wbKvkNi †mev K wek¦e¨vsK L evsjv‡`k e¨vsK
wb‡Pi †KvbwU mwVK? M weµq †mev N Iqvb ÷c mvwf©m M †mvbvjx e¨vsK N MÖvgxY e¨vsK
K i I ii L i I iii M ii I iii N i, ii I iii 15. ˆØZ wegvi D‡Ïk¨ †KvbwU? 28. †K›`ªxq e¨vs‡Ki cÖavb jÿ¨ n‡”Q
6. Mviwbwk Av‡`k`vZv †K? K SzuwK n«vm L g~jab MVb i. FY wbqš¿Y Kiv
K e¨vsK L MÖvnK M gybvdv e„w× N MÖvn‡Ki mš‘wó ii. gy`ªvgvb msiÿY Kiv
M Av`vjZ N cvIbv`vi  DÏxcKwU c‡o 16bs cÖ‡kœi DËi `vI : iii. gybvdv AR©b Kiv
7. KYC Gi c~Y©iƒc Kx? Rbve Zzlvi I Zvi ¯¿x GK‡Î 6 eQi †gqvw` wb‡Pi †KvbwU mwVK?
K Know Your Consumer GKwU wegvcÎ µq K‡ib| Rbve Zzlvi 4 eQi K i I ii L i I iii M ii I iii N i, ii I iii
L Know Your Company
M Know Your Creditor
ci gviv hvb Ges Zvi ¯¿x ZLbB wegv  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
N Know Your Customer †Kv¤úvwbi wbKU †_‡K m¤ú~Y© A_© †c‡jb| †dWv‡ij e¨vsK wj. evsjv‡`‡k GKwU AwZ
8. †Kvb wegvq wegv MÖnxZvi g„Zz¨ n‡jB †KejgvÎ 16. Rbve Zzlvi I Zvi ¯¿x †Kvb ai‡bi Rxeb cwiwPZ e¨vs‡Ki bvg| GB e¨vsK gybvdv
wegv `vwe cwi‡kva Kiv nq? wegvcÎ µq K‡iwQ‡jb? AR©‡bi D‡Ï‡k¨ wewfbœ e¨vswKs Kvh©µg
K †gqvw` wegv L mvgwqK wegv K †Mvôx wegv L mvgwqK wegv cwiPvjbv K‡i| g~jab MV‡b G e¨vsKwU
M AvRxeb wegv N cybtwegv M †hŠ_ wegv N ˆØZ wegv ¸iæZ¡c~Y© Ae`vb †i‡L Pj‡Q|
17. wegv eëmv‡qi DrcwËi µg n‡jv  29. DÏxc‡K DwjøwLZ †dWv‡ij e¨vsKwU †Kvb
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : ai‡bi e¨vsK?
6 ermi †gqv‡ì Rb¨ Rbve kwdK GKwU K Rxeb  †bŠ  AwMœ  `yN©Ubv
K miKvwi e¨vsK L GKK e¨vsK
Rxeb wegvcÎ MÖnY K‡i| 3 ermi ci nVvr L †bŠ  AwMœ  Rxeb  `y N © U bv M evwYwR¨K e¨vsK N AvgvbwZ e¨vsK
Amy¯Z ’ vi Kvi‡Y Zvi Am”QjZv †`Lv †`q| G M †bŠ  Rxeb  AwMœ  `yN©Ubv 30. †dWv‡ij e¨vsK Kxfv‡e g~jab MVb K‡i?
Ae¯’vq wZwb Avi wegvi wcÖwgqvg cÖ`vb Ki‡Z N AwMœ  †bŠ  Rxeb  `yN©Ubv K mÂq msMÖ‡ni gva¨‡g
cvi‡Qb bv| ZvB wZwb eva¨ n‡q wegvcÎwU eÜ 18. Ôe¨vsK Ae Bsj¨vÛÕ KZ mv‡j cÖwZwôZ nq? L mÂq msMÖn I FY`v‡bi gva¨‡g
K‡i wegv †Kv¤úvwbi wbKU †_‡K wKQy Avw_©K K 1656 L 1668 M mÂq msMÖn I wewb‡qv‡Mi gva¨‡g
myweav MÖnY K‡ib| M 1694 N 1696 N FY`vb I wewb‡qv‡Mi gva¨‡g
1 L 2 M 3 M 4 L 5 L 6 M 7 N 8 M 9 N 10 N 11 N 12 L 13 K 14 K 15 K
16 M 17 L 18 M 19 N 20 M 21 L 22 N 23 N 24 K 25 N 26 L 27 L 28 K 29 M 30 K
24 wm‡jU †evW© 2022 welq †KvW : 2 9 3

1. †Kvb bxwZ Abyhvqx wegvK…Z ÿwZMÖ¯Í cY¨ 10. Avgvb mv‡n‡ei GB †PKwU wb‡Pi †KvbwU mwVK?
wegvKvix wb‡q hvq? K c~e©eZ©x Zvwi‡Li †PK K i I ii L i I iii M ii I iii N i, ii I iii
K ¯’jvwfwl³Zvi bxwZ L cieZ©x Zvwi‡Li †PK 21. †WweU Kv‡W©i gva¨‡g †h myweav cvIqv hvq
L AvbycvwZK nv‡ii bxwZ M evwZj †PK N duvKv †PK i. FY myweav
M wegv‡hvM¨ ¯^v‡_©i bxwZ 11. e¨vsK UvKv cÖ`v‡b A¯^xK…wZ Rvbv‡bvi KviY ii. kwcs‡qi myweav
N P‚ovšÍ mwØk¦v‡mi bxwZ K wba©vwiZ Zvwi‡Li c~‡e©B Dc¯’vcb iii. åg‡Yi myweav
2. Rxeb wegvPzw³i welqe¯‘ n‡jv L wnmv‡e h‡_ó cwigvY UvKv bv _vKv wb‡Pi †KvbwU mwVK?
K m¤úwË L cY¨mvgMÖx M ZvwiL fzj _vKv K i I ii L i I iii M ii I iii N i, ii I iii
M RvnvR N gvbeRxeb N bgybv ¯^vÿ‡i wgj bv _vKv 22. †gvevBj e¨vswKs n‡”Q
 DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : 12. †Kvb e¨w³ wegvPzw³ m¤úv`‡bi A‡hvM¨? K GKK e¨vswKs L kvLv e¨vswKs
K cÖvßeq¯‹ L m”Qj M MÖæc e¨vswKs N kvLvwenxb e¨vswKs
AvKvk mv‡ne 10 eQi †gqvw` Rxeb wegv
K‡i‡Qb| 5wU wcÖwgqvg cÖ`v‡bi ci wZwb M cÖK…Z¯’ N †`Dwjqv 23. ˆPwbK mf¨Zvq †h e¨vsK cÖwZwôZ n‡qwQj
gviv †M‡jb| Zvi g‡bvbxZ e¨w³iv wegv 13. wegvMÖnxZvi †ÿ‡Î wegvi D‡Ïk¨ n‡jv  Zvi bvg
`vwei UvKv PvB‡j wegv †Kv¤úvwb Zv w`‡Z i. Avw_©K wbivcËv K Mfb©i e¨vsK L e¨vsK Ae Pvqbv
ii. gybvdv AR©b M kvÝx e¨vsK N gnvRbx e¨vsK
A¯^xK…wZ Rvbv‡jb|
3. AvKvk mv‡ne †Kvb wegv K‡iwQ‡jb? iii. mÂ‡q myweav 24. ¯^Y©Kvi †kÖwY‡K AvaywbK e¨vs‡Ki c~e©m~wi
K mvaviY †gqvw` wegvcÎ
wb‡Pi †KvbwU mwVK? ejvi KviY Zviv
K i I ii L i I iii M ii I iii N i, ii I iii i. my‡ì eëmvq KiZ
L weï× †gqvw` wegvcÎ
M mvgwqK wegvcÎ
14. Lloyd's Act KZ mv‡j Bsj¨v‡Û cvm nq? ii. weËkvjx I mr wQj
K 1771 mv‡j L 1871 mv‡j iii. A‡bï ¯^Y©vjsKvi Mw”QZ ivLZ
N wejw¤^Z †gqvw` wegvcÎ
M 1873 mv‡j N 1837 mv‡j wb‡Pi †KvbwU mwVK?
4. †Kvb wegv Ki‡j AvKvk mv‡n‡ei g‡bvbxZ
15. e¨vsK KZ ai‡bi wnmve cwiPvjbv K‡i? K i I ii L i I iii M ii I iii N i, ii I iii
e¨w³iv wegv `vwe Av`vq Ki‡Z cvi‡Zb? K GK ai‡bi L `yB ai‡bi
K mvaviY †gqvw` wegvcÎ
M wZb ai‡bi N Pvi ai‡bi Avjdv e¨vsK †K›`ªxq e¨vs‡Ki Aax‡b
L weï× †gqvw` wegvcÎ
 DÏxcKwU c‡o 16 I 17bs cÖ‡kœi DËi `vI : cÖwZwôZ GKwU bZzb e¨vsK| e¨vsKwU
M †hŠ_ Rxeb wegvcÎ
nvmvb mv‡n‡ei Kv‡Q wKQy Ajm UvKv RbM‡Yi Ajm A_© AvgvbZ wnmv‡e Rgv
N gybvdvhy³ wegvcÎ
Av‡Q| wZwb GB A_© `xN©‡gqv‡` Rgv iv‡L Ges AwaK my‡` FY cÖ`vb K‡i|
5. mgc©Y g~j¨ n‡jv ivL‡Z Pvb| e¨vsK eë¯’vc‡Ki civg‡k© e¨vsKwU bZzb bZzb †KŠk‡ji gva¨‡g
i. wcÖwgqv‡gi GKwU Ask wZwb e¨vs‡K GKwU wnmve Lyj‡jb Ges e¨vswKs RM‡Z †ek mybvg Kzwo‡q‡Q|
ii. wegvKvix wegv MÖnxZv‡K †`q UvKv Rgv ivL‡jb| 25. Avjdv e¨vs‡Ki cÖavb D‡Ïk¨
iii. †gvU wcÖwgqv‡gi †P‡q Kg nq 16. nvmvb mv‡ne †Kvb wnmve Ly‡j‡Qb? K AvgvbZ MÖnY L FY`vb
wb‡Pi †KvbwU mwVK? K ¯’vqx wnmve L mÂqx wnmve M my` MÖnY N gybvdv AR©b
K i I ii L i I iii M ii I iii N i, ii I iii M PjwZ wnmve N DPS wnmve 26. Avjdv e¨vsK †Kvb †KŠk‡ji gva¨‡g mybvg
6. †Kvb wegvq wegvMÖnxZv GKB welqe¯‘ 17. nvmvb mv‡ne D³ wnmve †_‡K Kxfv‡e AR©b K‡i‡Q?
GKvwaK †Kv¤úvwbi mv‡_ wegv Ki‡Z cv‡i? UvKv D‡Ëvjb Ki‡Z cvi‡eb? K bZzb kvLv cÖwZôv
K ˆØZ wegv L wØwea wegv K mßv‡n `yBevi L hZevi Lywk L bZzb weÁvcb †Ìqv
M cÖZ¨vwkZ wegv N gybvdvhy³ wegv M †gqv` †k‡l N eQ‡i GKevi M MÖvnK †mevi gvb Kgv‡bv
7. †Kvb †`‡k me©cÖ_g Rxeb wegv cÖwZôvb 18. e¨vsK g‡°‡ji wnmv‡ei †MvcbxqZv cÖKvk N mbvZb e¨vswKs Pvjy Kiv
Pvjy nq? Ki‡Z cv‡i 27. †K›`ªxq e¨vsK miKvi‡K civgk© cÖ`vb K‡i
K hy³ivóª L hy³ivR¨ i. g‡°‡ji wb‡`©‡k i. ê‡`wkK evwY‡R¨
M d«vÝ N BZvwj ii. Av`vj‡Zi wb‡`©‡k ii. gy`ªvbxwZ‡Z
8. †P‡K whwb Av‡`kcÖvß nb Zv‡K Kx e‡j? iii. RvZxq ¯^v‡_© iii. g~j¨¯Í‡i
K Av‡`óv L Avw`ó wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
M cÖvcK N aviK K i I ii L i I iii M ii I iii N i, ii I iii K i I ii L i I iii M ii I iii N i, ii I iii
9. cÖwgmwi †bvU 19. ATM Gi c~Yi© ƒc Kx? 28. Mother of Central Bank ejv nq Kv‡K?
K Automated Teller Machine K e¨vsK Ae †fwbm L e¨vsK Ae wbDBqK©
K n¯ÍvšÍi‡hvM¨ `wjj
L Audiovisual Teller Machine M e¨vsK Ae Bsj¨vÛ N e¨vsK Ae myB‡Wb
L n¯ÍvšÍi A‡hvM¨ `wjj M Alternative Teller Machine 29. evsjv‡`‡ki A_©evRvi wbqš¿Y K‡i †K?
M kZ©mv‡cÿ `wjj N A‰ea FY `wjj N Automic Teller Machine K A_© gš¿Yvjq L evsjv‡`k e¨vsK
 DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : 20. MÖvnK †mevi gvb Dbœq‡b e¨vsK †h me M BSEC N XvKv ÷K G·‡PÄ
Avgvb mv‡ne 20 AvM÷ Zvwi‡Li GKwU cÖhyw³ eënvi K‡i 30. miKv‡ii †Kvb gš¿Yvj‡qi Aax‡b †K›`ªxq
†PK 1 AvM÷ Zvwi‡L e¨vs‡K Dc¯’vcb i. †WweU KvW© e¨vsK wbqwš¿Z nq?
Ki‡j e¨vsK Zv‡K UvKv cÖ`v‡b A¯^xK…wZ ii. †µwWU KvW© K wkÿv gš¿Yvjq L wkí gš¿Yvjq
Rvbv‡jb| iii. ¯§vU© KvW© M A_© gš¿Yvjq N cwiKíbv gš¿Yvjq
1 K 2 N 3 L 4 K 5 N 6 K 7 L 8 L 9 K 10 L 11 K 12 N 13 L 14 L 15 M
16 K 17 M 18 N 19 K 20 N 21 M 22 N 23 M 24 M 25 N 26 K 27 N 28 M 29 L 30 M

1. GKRb MÖvn‡Ki wbKU e¨vsK wnmve wbe©vP‡bi  DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI : 20. kvÝx e¨vsK †Kvb hy‡M cÖwZwôZ nq?
we‡eP¨ welq n‡jv Rbve ingvb m`¨ AemicÖvß GKRb miKvwi K cÖv‰MwZnvwmK L cÖvPxb hyM
i. e¨vs‡Ki Ae¯’vb Kg©KZ©v| wZwb fve‡jb †cbk‡bi UvKv e¨vs‡K M ga¨hy M N AvaywbK hyM
ii. MÖvn‡Ki †ckv Rgv †i‡L AwR©Z Avq Øviv SzuwKgy³ Rxebhvcb 21. cÖK…wZi w`K †_‡K †Kvb ai‡bi wegvcÎ
iii. †mev I †jb‡`‡bi aib mvgwqK wegvc‡Îi wVK wecixZ?
Ki‡eb| †mRb¨ wZwb e¨vsK g¨v‡bRv‡ii civgk©
wb‡Pi †KvbwU mwVK? wb‡jb| e¨vsK g¨v‡bRvi Zv‡K `yÕai‡bi wnmve K weï× †gqvw` wegvcÎ
K i I ii L i I iii M ii I iii N i, ii I iii L wkÿve„wË wegvcÎ
†Lvjvi civgk© w`‡jb| `yÕai‡bi wnmve †Kb?
2. evsjv‡`‡k envj 1881 mv‡ji n¯ÍvšÍi‡hvM¨ M mgwKw¯Í m¤úbœ wegvcÎ
`wjj AvB‡bi KZ bs avivq wewbgq we‡ji Ggb cÖkœ Ki‡j g¨v‡bRvi ej‡jb, c‡ii
N iƒcvšÍi‡hvM¨ mvgwqK wegvcÎ
D‡jøL Av‡Q? wnmveUv Qvov wZwb Pj‡Z cvi‡eb bv|
22. GKRb MÖvn‡Ki RgvwZwi³ FY myweav cvIqvi
K3 L4 11. e¨vsK g¨v‡bRvi Rbve ingvb‡K †Kvb `yÕai‡bi
Rb¨ Kx ai‡bi e¨vsK wnmve †Lvjv cÖ‡qvRb?
M5 N6 wnmve Lyj‡Z civgk© w`‡q‡Qb?
K mvaviY mÂqx wnmveL we‡kl mÂqx wnmve
3. Rxeb wegvq b~¨bZg KZ ermi cwjwm Pvjy K PjwZ I ¯’vqx L mÂqx I ¯’vqx
M PjwZ wnmve N ¯’vqx wnmve
_vK‡j mgc©Y g~j¨ cÖ`vb Kiv nq? M ¯’vqx I PjwZ N ¯’vqx I mÂqx
23. ûKzg †P‡Ki Amyweav n‡jv
K1 L2 12. c‡ii wnmvewU Ly‡j Rbve ingvb †h mKj
i. GwU mn‡R n¯ÍvšÍi Kiv hvq bv
M3 N4 myweav cv‡eb ii. e¨vsK wnmv‡e Rgv w`‡q Gi UvKv msMÖn
4. †h mKj MÖvnK e¨vs‡Ki gva¨‡g †jb‡`‡b i. cÖ_g wnmv‡ei Avq wØZxq wnmv‡e ¯’vbvšÍi
AvMÖnx Ges hv‡ì cÖPzi Ajm A_© i‡q‡Q Ki‡Z nq
Ki‡Z cvi‡eb iii. †h †KD G‡K evnK †P‡K iƒcvšÍi Ki‡Z cv‡i
Zv‡ì Rb¨ †Kvb ai‡bi wnmve Dc‡hvMx?
ii. †PK †K‡U A_© msMÖn I cvwievwiK e¨q wb‡Pi †KvbwU mwVK?
K mvaviY mÂqx wnmveL we‡kl mÂqx wnmve
M PjwZ wnmve N ¯’vqx wnmve
wbe©vn Ki‡Z cvi‡eb K i I ii L i I iii M ii I iii N i, ii I iii
5. †K›`ªxq e¨vsK miKv‡ii e¨vsK wnmv‡e wb‡Pi iii. wewfbœ e¨vswKs †mev myweavI jvf Ki‡Z 24. 1696 mv‡j Bsj¨v‡Û †h Rxeb wegv cÖwZôvb
†Kvb KvRwU m¤úv`b K‡i? cvi‡eb Pvjy nq Zvi bvg n‡jv
i. miKv‡ii Dc‡`óv I cÖwZwbwa wb‡Pi †KvbwU mwVK? K Hand by Hand L Met Life
ii. miKv‡ii Avw_©K bxwZgvjv ev¯Íevqb K i I ii L i I iii M ii I iii N i, ii I iii M Hand in Hand N Alico
iii. we‡`wk e¨vs‡Ki mv‡_ m¤úK© iÿv 13. wb‡Pi †KvbwU AvÂwjK e¨vs‡Ki D`vniY? 25. KZ mv‡j Ôe¨vsK Ae †fwbmÕ cÖwZwôZ nq?
wb‡Pi †KvbwU mwVK? K Asian Development Bank (ADB) K 1155 L 1156
K i I ii L i I iii M ii I iii N i, ii I iii L Islamic Development Bank (IDB) M 1157 N 1158
M Investment Corporation of Bangladesh (ICB) 26. †K›`ªxq e¨vsK e¨vsK nvi n«vm Kivi d‡j
 DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : N Bangladesh Shilpo Bank (BSB)
Rbve Avwe` GKRb e¨vsKvi| Zv‡ì Kvh©µg 14. Banke †Kvb †`kxq kã †_‡K AvMZ? i. wewb‡qvM e„w× cvq
†`ke¨vcx we¯Í…Z| wZwb MÖvnK‡ì AwaKZi ii. gy`ªvùxwZ n«vm cvq
K BZvjxq kã L divwm kã
†mev`v‡bi j‡ÿ¨ Ggb GKwU e¨vswKs c×wZ iii. †eKvi mgm¨v n«vm cvq
M Rvg©vb kã N †ivgvb kã
cÖYqb Ki‡Z Pvb †hLv‡b MÖvnKiv N‡i e‡m wb‡Pi †KvbwU mwVK?
wKsev †h †Kv‡bv e¨vsK kvLvq wM‡q Zv‡ì bvbv 15. ¯’jvwfwl‡³i bxwZ †Kvb wePvi †ÿ‡Î cÖ‡hvR¨ nq? K i I ii L i I iii M ii I iii N i, ii I iii
ai‡bi e¨vswKs †jb‡`b m¤úbœ Ki‡Z cv‡ib| K m¤úwË wegv L Rxeb wegv 27. Rxebwegvi `vwe Av`v‡qi †ÿ‡Î wb‡Pi †KvbwU
6. Rbve Avwe‡ì e¨vsKwU †Kvb ai‡bi e¨vsK? M †bŠ wegv N `yN©Ubv wegv cÖ‡qvRb?
K GKK e¨vsK L kvLv e¨vsK 16. wegv weKv‡ki µgvbymv‡i wb‡Pi †Kvb µgwU mwVK? i. wegv MÖnxZvi g„Zzï cÖgvYcÎ
M MÖæc e¨vsK N †PBb e¨vsK K Rxeb wegv  †bŠ wegv  `yN©Ubv wegv  ii. eq‡mi cÖgvYcÎ
7. Rbve Avwe` †Kvb ai‡bi e¨vswKs †mev w`‡Z AwMœ wegv iii. DËivwaKvi mb`cÎ
Pv‡”Qb? L †bŠ wegv  `yN©Ubv wegv  AwMœ wegv  wb‡Pi †KvbwU mwVK?
i. †gvevBj e¨vswKs Rxeb wegv K i I ii L i I iii M ii I iii N i, ii I iii
ii. AbjvBb e¨vswKs M AwMœ wegv  Rxeb wegv  †bŠ wegv  28.
iii. wjwRs mvwf©m `yN©Ubv wegv
wb‡Pi †KvbwU mwVK? 1 2 3 4
N †bŠ wegv  AwMœ wegv  Rxeb wegv 
`yN©Ubv wegv
8. wegv‡hvM¨ SzuwKi êwkó¨ n‡jv 17. †h †P‡K †Kej Av‡`óvi ¯^vÿi _v‡K wKš‘
i. cwigvc‡hvM¨ Dc‡ii †KvbwU we‡klfv‡e `vMKvUv †P‡Ki bgybv?
UvKvi A¼ †jLv _v‡K bv Zv‡K e‡j K1 L2
ii. AwbðqZvi dmj
K †Lvjv †PK L duvKv †PK M 3 N4
iii. cwinvi‡hvM¨
M evwm †PK N ågYKvixi †PK 29. †K›`ªxq e¨vs‡Ki FY wbqš¿‡Yi cwigvYMZ
K i I ii L i I iii M ii I iii N i, ii I iii 18. wbKvk N‡ii KvR n‡jv c×wZ n‡jv
9. evsjv‡`‡k †Kvb e¨vsK me©cÖ_g †gvevBj i. AvšÍte¨vswKs †`bv-cvIbv wb®úwË i. e¨vsK nvi bxwZ
e¨vswKs eë¯’v Pvjy K‡i? ii. bM` A_© †jb‡`‡bi cwigvY e„w× ii. †LvjvevRvi bxwZ
K WvP& evsjv e¨vsK L ÷¨vÛvW© e¨vsK iii. e¨vswKs eë¯’v‡K MwZkxj Kiv iii. F‡Yi eivÏKiY bxwZ
M cÖvBg e¨vsK N Gw·g e¨vsK wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
10. ÔDcvmbvjq e¨vswKsÕ †Kvb mf¨Zvq e¨vcK K i I ii L i I iii M ii I iii N i, ii I iii K i I ii L i I iii M ii I iii N i, ii I iii
L¨vwZ jvf K‡i? 19. evsjv‡`‡k wegv eëmv‡qi wbqš¿K ms¯’v †KvbwU? 30. evsjv‡`k e¨vsK KZ mv‡j cÖwZwôZ nq?
K wMÖK mf¨Zv L ˆPwbK mf¨Zv K BIA L BIDC K 1971 L 1972
M †ivgvb mf¨Zv N e¨vwejbxq mf¨Zv M IDRA N BIDA M 1973 N 1974
1 N 2 M 3 L 4 N 5 N 6 L 7 K 8 K 9 K 10 N 11 N 12 N 13 K 14 M 15 K
16 N 17 L 18 L 19 M 20 L 21 K 22 M 23 K 24 M 25 M 26 L 27 N 28 N 29 K 30 K

1. Ôe¨vsKÕ kãwU BZvwji †Kvb kã †_‡K G‡m‡Q? 12. wb‡Pi †KvbwU FY wbqš¿‡Yi msL¨vÍK c×wZ? 20. DÏxc‡K DwjøwLZ Rbve iv‡k` Rxeb wegv
K Banke L Banco K ˆbwZK cÖ‡ivPbv cwjwm KZw`b Pvjv‡bvi ci e‡Üi
M Bang N Bancos L F‡Yi eivÏKiY bxwZ Av‡e`b Ki‡Z cv‡ib?
2. †K›`ªxq e¨vs‡Ki cÖavb KvR †KvbwU? M e¨vsK nvi bxwZ N cÖPviYv c×wZ K 6 gvm L b~¨bZg 1 eQi
K Znwej msiÿY 13. †Kvb †P‡Ki A_© cÖvc‡Ki e¨vsK wnmv‡ei M b~¨bZg 2 eQi N b~¨bZg 3 eQi
L A_©‰bwZK M‡elYv gva¨‡g msMÖn Kiv nq? 21. †PK nvwi‡q †M‡j AvgvbZKvixi cÖ_g
M FY`vb K ågYKvixi †PK L ûKzg †PK KiYxq Kx?
N †bvU I gy`ªvi cÖPjb M `vMKvUv †PK N evnK †PK K cwÎKvq weÁwß †Ìqv
3. we‡klvwqZ e¨vsK †KvbwU?  DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : L e¨vsK‡K AewnZ Kiv
K †mvbvjx e¨vsK wj. L e¨vsK Gwkqv wj. bZzb cÖR‡š§i e¨vsK KY©dzwj e¨vsK wj. M KvD‡K bv Rvbv‡bv
M evsjv‡`k K…wl e¨vsK N †gNbv e¨vsK wj. Zv‡ì me kvLvq B›Uvi‡bU cÖhyw³ mshy³ N nviv‡bv †PK Lyu‡R †ei Kivi †Póv Kiv
4. e¨vs‡Ki cÖwZwbwaZ¡g~jK Kvh©vewj n‡jv K‡i‡Q| G eë¯’vq e¨vsKwU †bUIqvK© 22. †KvbwU B-e¨vswKs †mevi AšÍfz©³ bq?
i. MÖvnK‡ì c‡ÿ A_© Av`vq I cvIbv cwi‡kva wm‡÷‡gi gva¨‡g †h‡Kv‡bv kvLv †_‡K K Kv‡W©i gva¨‡g e¨vswKs
ii. †kqvi I wmwKDwiwUR µq-weµq MÖvnK‡ì‡K wbZ¨bZzb DbœZgv‡bi e¨vswKs L weµq we›`y †mev
iii. ey‡jwUb cÖKvk †mev w`‡Z cvi‡Q| M GmGg Gm e¨vswKs
wb‡Pi †KvbwU mwVK? 14. KY©dzwj e¨vsK wj.-Gi DwjøwLZ eë¯’vwU‡K N †P‡Ki gva¨‡g e¨vswKs
K i I ii L i I iii M ii I iii N i, ii I iii Kx bv‡g AwfwnZ Kiv nq? 23. GKRb eëmvqxi Rb¨ †Kvb ai‡bi wnmve
5. eZ©gv‡b evsjv‡`‡k KZ mv‡ji wegv AvBb K B-e¨vswKs L MZvbyMwZ e¨vswKs Dchy³?
cÖPwjZ? M wi‡UBj e¨vswKs N Iqvb÷c mvwf©m K mÂqx L ¯’vqx
K 1932 L 1991 15. KY©dzwj e¨vsK wj.-Gi GB eë¯’vi M PjwZ N we‡kl wnmve
M 1994 N 2010 Amyweav n‡jv 24. bgybv ¯^vÿi Kv‡W©i AšÍfz©³ welq n‡jv
6. wb‡Pi †KvbwU wegvPzw³i AvBbMZ Dcv`vb? i. wnmv‡ei wk‡ivbvg
i. wbivcËvi Afve
K wegv‡hvM¨ ¯^v_© L P‚ovšÍ mwØk¦vm ii. bwgbxi bvg I ¯^vÿi
ii. A_© D‡Ëvj‡b mgq e¨q
M cÖ¯Íve I ¯^xK…wZ N wcÖwgqvg cÖ`vb iii. MÖvn‡Ki ¯^vÿi
iii. AbybœZ md&UIqvi
7. SLR Gi c~Yi © ƒc †KvbwU? wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
K Surplus Liquid Rate K i I ii L i I iii M ii I iii N i, ii I iii
L Statutory Liquid Ratio 16. †K›`ªxq e¨vsK KLb FY wbqš¿Y K‡i? 25. KYC Gi c~Yi© ƒc Kx?
M Standard Liquid Rate K Know Your Consumer
N Statutory Liquidity Reserve K evRvi w¯’wZkxj _vK‡j L Know Your Criteria
L `ªe¨g~j¨ n«vm †c‡j M Know Your Customer
M gy`ªvùxwZ †`Lv w`‡j N Know Your Creditor
ÔKÕ e¨vsK ÔLÕ e¨vs‡Ki, L e¨vsK ÔMÕ 26. †Kvb& †ÿ‡Î ˆØZ wegv Kiv hvq bv?
N F‡Yi cwigvY ¯^vfvweK _vK‡j
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i. wegv‡hvM¨ ¯^v‡_©i bxwZ M †bŠ wegv N `yN©Ubv wegv
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ii. gybvdv bxwZ
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iii. AvbycvwZK AskMÖn‡Yi bxwZ
ZË¡veav‡b I wbqš¿‡Y GKwÎZ nq| K2 L3 M4 N5
8. †Kvb e¨vsKwUi mv‡_ ÔPÕ e¨vs‡Ki wgj Av‡Q? wb‡Pi †KvbwU mwVK?
K i I ii L ii I iii M i I iii N i, ii I iii  DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI :
K c~evjx e¨vsK L AMÖYx e¨vsK
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M †mvbvjx e¨vsK N evsjv‡`k e¨vsK
c~Yi© ƒc Kx? GKwU †PK cÖ`vb K‡ib| wZwb †P‡Ki
9. DÏxc‡K DwjøwLZ ÔPÕ e¨vs‡Ki cwiPvwjZ Dc‡i evg †Kv‡Y AvovAvwofv‡e `ywU †iLv
K Private Identification Number
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K ch©‡eÿY L wbKvk Ni M Personal Identification Number wbkvZ A_© D‡Ëvj‡bi Rb¨ e¨vs‡K Rgv
M mgš^q N AwWwUs N Permanent Identification Number w`‡j e¨vsKvi ZvrÿwYK †P‡Ki A_©
10. wegvK…Z e¨w³i g„Zz¨‡Z wegv`vwe cwi‡kv‡ai  DÏxcKwU c‡o 19 I 20bs cÖ‡kœi DËi `vI : cwi‡kv‡a AcviMZv cÖKvk K‡i|
Rb¨ cÖ‡qvRb Rbve iv‡k` GKRb ¯^í †eZbfz³ 28. DÏxc‡K DwjøwLZ †PKwU †Kvb ai‡bi †PK
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ii. wkÿvMZ †hvM¨Zvi mb` eQ‡i Zvi cÖwZôv‡bi Avw_©K Ae¯’v Lvivc K evnK †PK L ûKzg †PK
iii. g‡bvbxZ e¨w³i cÖgvY `vwLj _vKvq wZwb PvKwi nvivb| G Ae¯’vq Zvi M evwm †PK N `vMKvUv †PK
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K i I ii L ii I iii M i I iii N i, ii I iii cwi‡kva Kiv m¤¢e bq| A_© D‡Ëvjb Ki‡Z cviZ?
11. †Kvb mg‡q †PK, e¨vsK Wªvd&U BZ¨vwì 19. wegvcÎ Pvjy ivL‡Z Amg_© e¨w³‡K wegv K `vMKvUv †PK L ågYKvixi †PK
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K e¨wejbxq mf¨Zvq L †ivgvb mf¨Zvq K mgc©Y g~j¨ L gybvdv 30. wewbgq we‡j mvaviYZ KqwU cÿ _v‡K?
M wMÖK mf¨Zvq N ˆPwbK mf¨Zvq M e„wË N †evbvm K2 L3 M4 N5
1 L 2 N 3 M 4 K 5 N 6 M 7 L 8 N 9 L 10 M 11 L 12 M 13 M 14 K 15 M
16 M 17 M 18 M 19 K 20 M 21 L 22 N 23 M 24 L 25 M 26 L 27 K 28 N 29 M 30 M

1. e¨vsK Ae Bsj¨vÛ KZ mv‡j cÖwZwôZ nq? 10. †Kvb ai‡bi †PK n‡j wg. A e¨vsK n‡Z 20. wg. mygb †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb?
K 1157 L 1401 A_© D‡Ëvjb Ki‡Z cvi‡Zb? K AvRxeb wegvcÎ L wbivcËv wegvcÎ
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2. FY wbqš¿Y c×wZ n‡jv
N we‡klfv‡e `vMKvUv †PK ejv nq?
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K 2wU L 3wU M 4wU N 5wU M wcÖwgqvg N †evbvm
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wb‡Pi †KvbwU mwVK? K †`bv`vi L e¨vsK K Rxeb wegv L †bŠwegv
K i I ii L i I iii M ii I iii N i, ii I iii M cÖvcK N cvIbv`vi M AwMœ wegv N `yN©Ubv wegv
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4. Rbve evwb‡Ri Kg©iZ e¨vsKwU f‚wgKv iv‡L K wcÖwgqvg L †evbvm K AvgvbZ MÖnY I FY`vb
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ii. miKvwi Znwej I DØ„Ë msiÿ‡Y 16. evsjv‡`‡k wegv eëmv‡qi wbqš¿K ms¯’v M A_© ¯’vbvšÍi N g~jab MVb
iii. MÖvn‡Ki e¨vsK wnmve myôz cwiPvjbvq †KvbwU? 26. wb‡Pi †KvbwU we‡klvwqZ e¨vsK?
wb‡Pi †KvbwU mwVK? K BIA L BIDC K †mvbvjx L iƒcvjx
M IDRA N BIDA M RbZv N K…wl
5. †Kvb wnmv‡e e¨vsK †Kv‡bv my` cÖ`vb K‡i bv? DÏxcKwU c‡o 17 I 18bs cÖ‡kœi DËi `vI :
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K Know Your Customer
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7. bgybv ¯^vÿi Kv‡W© KqwU ¯^vÿi Ki‡Z nq? ii. ißvwb Avq e„w×
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K2 L3
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K km¨ wegv L ¯^v¯’¨ wegv e¨vsK?
K PjwZ wnmve L mÂqx wnmve
M Mevw`cï wegv N `yN©Ubv wegv K kvLv e¨vsK L GKK e¨vsK
M ¯’vqx wnmve N FY wnmve M MÖæc e¨vsK N †PBb e¨vsK
19. wegv‡hvM¨ ¯^v‡_©i wfwË †KvbwU?
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1 M 2 L 3 L 4 K 5 L 6 K 7 L 8 M 9 K 10 L 11 L 12 N 13 N 14 K 15 K
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1. evsjv‡`k wegv eëmv‡qi wbqš¿K ms¯’v †KvbwU? 10. Rxeb wegvi wcÖwgqv‡gi nvi wba©vi‡Y we‡eP¨ welq wb‡Pi †KvbwU mwVK?
K BIA L BIDA i. wegvK…Z e¨w³ eqm K i I ii L i I iii M ii I iii N i, ii I iii
M BIDC N IDRA 21. e¨vsK eë¯’vi c~e©mywi †K?
ii. wegvK…Z e¨w³i mvgvwRK gh©v`v
2. evsjv‡`k BÝy¨‡iÝ GKv‡Wwg KZ mv‡j cÖwZwôZ iii. wegvK…Z A‡_©i cwigvY K Kg©Kvi L ¯^Y©Kvi
nq? wb‡Pi †KvbwU mwVK? M †iŠc¨Kvi N Pg©Kvi
K 1971 L 1972
K i I ii L i I iii M ii I iii N i, ii I iii 22. e¨vs‡Ki KvR n‡jv
M 1973 N 1974 11. GKwU êa †P‡Ki m‡e©v”P †gqv`Kvj KZ gvm? i. AvgvbZ MÖnY
3. wegvPzw³ Kivi †ÿ‡Î wegvMÖnxZvi g~j D‡Ïk¨ K3 L4 ii. gybvdv AR©b
n‡jv M5 N6 iii. FY cÖ`vb
i. mÂ‡qi myweav jvf 12. †h †P‡K UvKvi Ni duvKv _v‡K Zv‡K Kx e‡j? wb‡Pi †KvbwU mwVK?
ii. gvbwmK cÖkvwšÍ AR©b K evwm †PK L gv‡K©U †PK K i I ii L i I iii M ii I iii N i, ii I iii
iii. Avw_©K wbivcËv jvf M evnK †PK N duvKv †PK  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
wb‡Pi †KvbwU mwVK?  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : 'AB' I 'XY' `ywU ¯^Zš¿ e¨vsK| wewfbœ †kÖwY
K i I ii L i I iii M ii I iii N i, ii I iii †mvbvjx †UªWvm© †_‡K cÙv †UªWvm© GKLvbv †ckvi gvby‡li wbKU †_‡K e¨vsK `ywU mÂq
 DÏxcKwU c‡o 4bs cÖ‡kœi DËi `vI : 20,000 UvKvi †PK †cj Ges Kg©Pvix ÔKÕ †K msMÖn K‡i Ges huv‡ì cÖ‡qvRb Zuv‡ì‡K FY
wg. ÔKÕ GKRb cÖwZwôZ eB eëmvqx| GKwU †PKwU fvOv‡bvi Rb¨ e¨vs‡K cvVv‡bv n‡jv| cÖ`vb K‡i _v‡K| G cÖwµqvq e¨vsK `ywU †ek
fe‡bi wbPZjvq wZbwU eo Kÿ Ry‡oB Zvi 13. wg. ÔKÕ †P‡Ki †Kvb cÿ? fv‡jv gybvdv AR©b Ki‡Q| AwaKZi myweav
ch©vß eB i‡q‡Q| cv‡kB i‡q‡Q GKwU `vn¨ K Aby‡gv`bKvix L aviK AR©‡bi j‡ÿ¨ G `ywU e¨vsK wb‡Ri Aw¯ÍZ¡
c`v‡_©i ¸`vg| GKRb wegv cÖwZwbwa ÔKÕ †K M Av‡`óv N Avw`ó eRvq †i‡L GK‡Î e¨vswKs Kvh©µg cwiPvjbv
GKwU wegv cwjwm MÖnY Kivi cÖ¯Íve w`‡jb 14. cÙv †UªWvm© KZ…©K cÖvß †PKwU †Kvb ai‡bi? Ki‡Z AvMÖnx|
Ges G‡Z wg. ÔKÕ ivwR n‡jb| K evnK †PK L ûKzg †PK 23. AB I XY †Kvb ai‡bi e¨vsK?
4. wg. ÔKÕ †Kvb ai‡bi wegv Ki‡eb? M `vMKvUv †PK N Aby‡gv`bcÖvß †PK K evwYwR¨K L we‡klvwqZ
K Rxeb wegv L AwMœ wegv 15. evnK †PK I ûKzg †P‡Ki g‡a¨ cv_©K¨ n‡jv M †hŠ_ N wgkÖ
M †bŠ wegv N `yN©Ubv wegv i. evnK †PK ûKzg †PK A‡cÿv Kg wbivc` 24. DÏxc‡K ewY©Z e¨vsK `ywU †Kvb ai‡bi e¨vswKs
 DÏxcKwU c‡o 5bs cÖ‡kœi DËi `vI : ii. evnK †P‡K `vMKvUv †M‡jI ûKzg †P‡K Zv Gi gva¨‡g AwaKZi myweav AR©b Ki‡Z Pv‡”Q?
Kiv hvq bv K MÖæc L †PBb
wg. Q Zvi KviLvbvi Rb¨ wegv †Kv¤úvwb A I
iii. evnK †P‡K Avek¨K bv n‡jI ûKz g †PK M wgkÖ N †hŠ_
B Gi wbKU †_‡K h_vµ‡g 50 jÿ I 60 jÿ
UvKvi `yBwU c„_K AwMœ wegvcÎ MÖnY K‡ib| n¯ÍvšÍ‡i Aby‡gv`b Avek¨K 25. we‡k¦i cÖ_g e¨vsK †KvbwU?
wb‡Pi †KvbwU mwVK? K e¨vsK Ae Bsj¨vÛ L e¨vsK Ae †fwbm
5. wg. Q Gi wegvcÎwU †Kvb ai‡bi?
K i I ii L i I iii M ii I iii N i, ii I iii M e¨vsK Ae evwm©‡jvbv N kvÝx e¨vsK
K ˆØZ wegv L cybwe©gv
16. evsjv‡`‡k cÖ _ g †gvevBj e¨vswKs Pvjy K‡i 26. evsjv‡`‡k GK UvKvi †bvU Bmy¨ K‡ib †K?
M wgkÖ wegv N †hŠ_ wegv
†Kvb e¨vsK? K gnveë¯’vcK L Mfb©i
6. wcÖwgqvg Kx?
K WvP&-evsjv e¨vsK L eª¨vK e¨vsK M A_©mwPe N A_©gš¿x
K wegvPzw³i LiP L cÖwZ`vb g~j¨
M Iqvb e¨vsK N cÖvBg e¨vsK 27. †K›`ª xq e¨vsK
M ÿwZc~iY g~j¨ N wegv g~j¨
17. †µwWU KvW© †WweU KvW© A‡cÿv DËg †Kb? i. gybvdv AR©b K‡i
7. wegvi `„wó‡KvY †_‡K †Kv‡bv e¨w³ Kgc‡ÿ KZ
K RgvwZwi³ FY myweav cvIqv hvq ii. FY wbqš¿Y K‡i
eQi wb‡LuvR _vK‡j Zv‡K g„Z wn‡m‡e aiv nq?
L 24 NÈv UvKv DVv‡bv hvq iii. †bvU I gy`ªv Bmy¨ K‡i
K7 L8
M AbjvB‡b e¨vswKs myweav cvIqv hvq wb‡Pi †KvbwU mwVK?
M9 N 10
N gvjvgvj µ‡q eënvi Kiv hvq K i I ii L i I iii M ii I iii N i, ii I iii
 DÏxcKwU c‡o 8 I 9bs cÖ‡kœi DËi `vI : 18. B‡jKUªwbK e¨vswKs eë¯’vq eënvi n‡Z cv‡i  DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI :
wg. ÔKÕ GKRb cÖevmx| wZwb ga¨cÖv‡P¨ hvIqvi i. †gvevBj P e¨vsK Q e¨vs‡Ki Q e¨vsK R e¨vs‡Ki Ges R
c~‡e© wb‡Ri Rb¨ ¯^í wcÖwgqv‡g GKwU wegv ii. Kw¤úDUvi e¨vsK S e¨vs‡Ki KwZcq †PK GKwU we‡kl
cwjwm MÖnY K‡i‡Qb| †`‡k wd‡i G‡m wZwb iii. B›Uvi‡bU eë¯’vq GKwU wbw`©ó ¯’v‡b Dc¯’vcb K‡i|
cwjwmwU bevqb K‡ib| wb‡Pi †KvbwU mwVK? †jb‡`b wb®úwË Kivi Rb¨ wZbwU e¨vsKB
8. wg. ÔKÕ †Kvb ai‡bi Rxeb wegv cwjwm MÖnY K i I ii L i I iii M ii I iii N i, ii I iii GKwU e„nr e¨vsK Z Gi ZË¡veav‡b I wbqš¿‡Y
K‡i‡Qb? 19. wg. M †Kv‡bv GKwU †`vKvb n‡Z GKwU cøvw÷K GKwÎZ nq|
K AvRxeb wegvcÎ L mvgwqK wegvcÎ Kv‡W©i gva¨‡g Zvi e¨vsK wnmve †_‡K 10,000 28. Z †Kvb ai‡bi e¨vsK?
M mvaviY †gqvw` N weï× †gqvw` UvKv cwi‡kva K‡ib| eën„Z KvW©wU wb‡Pi K evwYwR¨K L †K›`ªxq
9. wg. ÔKÕ Gi wegv cwjwm‡Z wcÖwgqvg Zzjbvg~jK †KvbwU? M we‡klvwqZ N mgevq
Kg nIqvi KviY K SWIFT KvW© L †WweU KvW© 29. †jb‡`b wb®úwËi G we‡kl eë¯’v ev c×wZ‡K
i. ïay gviv †M‡jB G‡ÿ‡Î wegv`vwe c~iY M †µwWU KvW© N ATM KvW© Kx e‡j?
Ki‡Z n‡e 20. GKRb eëmvqxi Rb¨ we‡`k åg‡Yi †ÿ‡Î K wbKvk Ni L wbixÿv
ii. ¯^í mg‡qi Rb¨ wZwb wegvcÎ MÖnY K‡i‡Qb A_©msKU `~ixKi‡Y Dc‡hvMx n‡jv M mgš^q N wbqš¿Y
iii. gviv bv †M‡j bevqb Kiv hv‡e i. †µwWU KvW© 30. FY wbqš¿‡Yi msL¨vÍK c×wZ KqwU?
wb‡Pi †KvbwU mwVK? ii. ågYKvixi †PK K 2wU L 3wU
K i I ii L i I iii M ii I iii N i, ii I iii iii. ågYKvixi cÖZ¨qbcÎ M 4wU N 5wU
1 N 2 M 3 M 4 L 5 K 6 L 7 K 8 L 9 L 10 L 11 N 12 N 13 L 14 K 15 L
16 K 17 K 18 N 19 L 20 N 21 L 22 L 23 K 24 L 25 N 26 M 27 M 28 L 29 K 30 L

1. †bvU I gy`ªv cÖPjbKvix e¨vs‡Ki bvg Kx?  DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI : 21. evsjv‡`k e¨vs‡Ki Kvh©µg †Kvb ZvwiL
K †K›`ªxq e¨vsK L evwYwR¨K e¨vsK wg. `‡Ëi cvIbv eve` wg. mygb 1 GwcÖj †_‡K Pvjy nq?
M wkí e¨vsK N Kg©ms¯’vb e¨vsK 2020 Zvwi‡L 5 jÿ UvKvi GKwU †PK cÖ`vb K 26 gvP© 1971 L 26 gvP© 1972
2. †K›`ªxq e¨vs‡Ki KvR n‡jv K‡ib| K‡ivbvRwbZ jKWvD‡bi Kvi‡Y wg. M 16 wW‡m¤î 1971 N 16 wW‡m¤î 1972
K FY †Ìqv L AvgvbZ msMÖn `Ë †PKwU 20 A‡±vei, 2020 Zvwi‡L e¨vs‡K 22. †Kvb wegv‡K Avw` ev cÖ_g wegv ejv nq?
M Kg©ms¯’vb m„wó N gy`ªvgvb msiÿY Rgv w`‡j e¨vsK UvKv w`‡Z A¯^xKvi K‡i| K AwMœ wegv L †bŠ wegv
3. †hŠ_gvwjKvbvaxb e¨vs‡K miKvi I 11. GKwU êa †P‡Ki †gqv` KZw`b? M Rxeb wegv N ¯^v¯’¨ wegv
K 90 w`b L 180 w`b 23. †Kvb wegvi †ÿ‡Î ˆØZ wegv AwaK
†emiKvwi g~ja‡bi AbycvZ †KvbwU?
M 30 w`b N 7 w`b MÖnY‡hvM¨ I jvfRbK?
K 60 t 40 L 49 t 51
12. e¨vsK UvKv bv †Ìqvq Zvi †PKwU †Kvb K Rxeb wegv L †bŠ wegv
M 51 t 49 N 50 t 50
ai‡bi †P‡K cwiYZ n‡q‡Q? M AwMœ wegv N `yN©Ubv wegv
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : K A‰ea †PK L evnK †PK
24. wegv eëmv‡qi g~jbxwZ n‡jv
†`‡ki DËivÂ‡ji K…wl Z_v K…l‡Ki M evwm †PK N ûKzg †PK
i. wegv‡hvM¨ ¯^v_©
Dbœq‡bi j‡ÿ¨ miKvi GK we‡kl e¨vsK 13. duvKv †P‡K Kx _v‡K bv? ii. RvZxq wbivcËv
¯’vcb K‡i‡Q| e¨vsKwU g~jZ K…wli K UvKvi cwigvY L ZvwiL
iii. cig mwØk¦vm
AMÖMwZi Rb¨B f‚wgKv iv‡L| M wnmve b¤î N ¯^vÿi
4. e¨vsKwUi bvg Kx? 14. e¨vsK wnmv‡e ch©vß UvKv Rgv _vKvmv‡c‡ÿ
K evsjv‡`k K…wl e¨vsK MÖvnK †Kvb KvW©wU eënvi Ki‡Z cv‡ib?
K †µwWU KvW© L VISA KvW©
25. cÖZ¨vkvi †P‡q AwZwi³ †Kv‡bvwKQy
L K…wl Dbœqb K‡c©v‡ikb cvIqv‡K Kx e‡j?
M †mvbvjx e¨vsK M †WweU KvW© N Master KvW©
K wcÖwgqvg L †evbvm
N ivRkvnx K…wl Dbœqb e¨vsK
15. ATM-Gi c~Yi © ƒc Kx?
K Automated Teller Machine M evwl© K e„ w Ë N gybvdv
5. cÖK…wZ Abyhvqx e¨vsKwU †Kvb ai‡bi? L Automatic Teller Machine  DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI :
K we‡klvwqZ e¨vsK L evwYwR¨K e¨vsK M Automated Teller Mechanism wg‡mm gywbœ GKwU †emiKvwi cÖwZôv‡b KvR
M †K›`ªxq e¨vsK N kÖwgK e¨vsK N Automatic Teller Mechanism
16. †KvbwU B-e¨vswKs †mevi g‡a¨ c‡o bv? K‡ib| eZ©gv‡b K‡ivbvi Rb¨ GK eQ‡ii
6. ÒBmjvgx Dbœqb e¨vsK (IDB)Ó †Kvb AwaK mgq a‡i wZwb †eKvi| G Ae¯’vq
ai‡bi e¨vsK? K †gvevBj e¨vswKs
L †P‡Ki gva¨‡g e¨vswKs Zvi c‡ÿ Rxeb wegv cwjwmi wcÖwgqvg
K †`kxq e¨vsK L AvÂwjK e¨vsK †Ìqv m¤¢e bq|
M AbjvBb e¨vswKs
M †Mvôx Dbœqb e¨vsK N AvšÍR©vwZK e¨vsK 26. wcÖwgqvg w`‡Z Amg_© e¨w³‡K wegv †Kv¤úvwb
N Kv‡W©i gva¨‡g e¨vswKs
7. †K›`ªxq e¨vs‡Ki KvR n‡jv 17. †WweU KvW© A_ev ATM KvW© †h g~j¨ †diZ †`q Zv‡K Kx e‡j?
i. †bvU I gy`ªv cÖPjb K †evbvm L mgc©Y g~j¨
eënviKvix‡ì e¨vsK wnmve _vK‡Z nq
ii. ê‡`wkK gy`ªvi gvb wbqš¿Y i. PjwZ wnmve M e„ w Ë N ÿwZc~iY
iii. gy`ªvùxwZ wbqš¿Y ii. ¯’vqx wnmve 27. GKwU cwjwm KZw`b Pvjv‡bvi ci
wb‡Pi †KvbwU mwVK? iii. mÂqx wnmve cwjwmwU e‡Üi Av‡e`b Kiv hvq?
K i I ii L ii I iii M i I iii N i, ii I iii wb‡Pi †KvbwU mwVK? K GK eQ‡ii Kg L GK eQ‡ii E‡aŸ©
8. Zdwmwj evwYwR¨K e¨vsK¸‡jv Zv‡ì K i I ii L ii I iii M i I iii N i, ii I iii M `yB eQ‡ii Kg N `yB eQ‡ii E‡aŸ©
g~ja‡bi †h Ask †K›`ªxq e¨vs‡K bM‡`  wb‡Pi wPÎwU †`‡L 18bs cÖ‡kœi DËi `vI : 28. cybwe©gvi cÖavb D‡Ïk¨ Kx?
Rgv iv‡L Zv‡K Kx e‡j? K gybvdv eÈb L SuywK n«vm
K Rgvi nvi cwieZ©b bxwZ M MÖvnK mš‘wU N MÖvnK Av¯’v
L bM` Rgvi AbycvZ wPÎ bs 1 wPÎ bs 2 wPÎ bs 3 wPÎ bs 4 29. g„Zz¨nvicwÄ n‡jv
M wewae× Zvij¨ AbycvZ 18. †Kvb wPÎwU `vMKvUv †P‡Ki mwVK wPÎ? i. AZxZ g„Zz¨nvi †_‡K fwel¨r
N e¨vsK nvi AbycvZ K wPÎ bs 1 L wPÎ bs 2 g„Zz¨nv‡ii aviYv Abygvb Kiv
9. evsjv‡`‡k wbKvk N‡ii Kvh©µg †Kvb M wPÎ bs 3 N wPÎ bs 4 ii. AZxZ g„Zz¨nvi †_‡K eZ©gvb
e¨vs‡Ki wbqš¿‡Y cwiPvwjZ nq? 19. PIN-Gi c~Yi © ƒc Kx? g„Zz¨nv‡ii aviYv Abygvb Kiv
K RbZv e¨vsK L AMÖYx e¨vsK K Present Identification Number iii. cÖwZ nvRvi RxweZ I g„‡Zi nvi wbY©q Kiv
L Permanent Identification Number
M c~evjx e¨vsK N evsjv‡`k e¨vsK wb‡Pi †KvbwU mwVK?
M Personnel Identification Number
10. †jb‡`‡bi †ÿ‡Î †Kvb ai‡bi †PK AwaK N Personal Identification Number K i I ii L ii I iii M i I iii N i, ii I iii
wbivc`? 20. evsjv‡`‡ki e¨vswKs eë¯’v Kx ai‡bi? 30. †Kvb wegvPzw³‡K wbðqZvi Pzw³ ejv nq?
K evnK †PK L ûKzg †PK K GKK e¨vswKs L MÖæc e¨vswKs K Rxeb wegv L AwMœ wegv
M gv‡K©U †PK N we‡kl `vMKvUv †PK M kvLv e¨vswKs N †PBb e¨vswKs M †bŠ wegv N km¨ wegv
1 K 2 N 3 M 4 N 5 K 6 M 7 K 8 L 9 N 10 N 11 L 12 M 13 K 14 M 15 K
16 L 17 M 18 N 19 N 20 M 21 M 22 L 23 M 24 M 25 L 26 L 27 N 28 L 29 K 30 K
30 h‡kvi †evW© 2021 welq †KvW : 2 9 3

1. GKwU wegvPzw³i Acwinvh© cÿ KqwU? 11. †gqv` †k‡l Rbve Zvwgg ev Zvi bwgwb 21. †Kvb mf¨Zvq Dcvmbvjq e¨vswKs eë¯’vi
K 2wU L 3wU M 4wU N 5wU KZ UvKvi `vwe Ki‡Z cvi‡eb? D™¢e n‡qwQj?
 DÏxcKwU c‡o 2 I 3bs cÖ‡kœi DËi `vI : K 10 jÿ UvKv L 15 jÿ UvKv K wmÜy mf¨Zvq L †ivgvb mf¨Zvq
wg. X GKwU K‡j‡Ri mnKvix Aa¨vcK| M 20 jÿ UvKv N 30 jÿ UvKv M e¨wejbxq mf¨Zvq N êw`K mf¨Zvq
wZwb RvZxq wek¦we`¨vjq I wkÿv‡ev‡W©i 12. wewbgq wej †K ˆZwi K‡ib? 22. wegv‡hvM¨ ¯^v_© n‡jv
cixÿK| wZwb †P‡Ki gva¨‡g cixÿ‡Ki K e¨vsK L Av‡`óv
K cÖZ¨ÿ ¯^v_© L c‡ivÿ ¯^v_©
m¤§vbx cvb wKš‘ e¨vsK †_‡K mivmwi bM` M Avw`ó N cÖvcK
M Avw_©K ¯^v_© N wbR ¯^v_©
UvKv Zzj‡Z cv‡ib bv| 13. †P‡K `vM KvU‡Z cv‡ib 23. wb‡Pi †KvbwU †K›`ªxq e¨vsK bv?
2. wg. X wkÿv‡evW©/RvZxq wek¦we`¨vjq †_‡K i. Av‡`óv
K †dWv‡ij wiRvf© wm‡÷g
†Kvb ai‡bi †PK cvb? ii. Avw`ó
L e¨vsK Ae Bsj¨vÛ
K ûKzg †PK L evn‡Ki †PK iii. cÖvcK
M `vMKvUv †PK N duvKv †PK M †÷U e¨vsK Ae BwÛqv
3. D³ †PK cwi‡kv‡ai cÖwµqv Kxiƒc? N †÷U e¨vsK Ae cvwK¯Ívb
K ûKzg †PK Dc¯’vcb 24. e¨vsK eë¯’vi c~e©m~wi Kviv?
14. †gvevBj e¨vswKs-G PIN k‡ãi c~Yi© ƒc n‡jv
L bM` UvKv msMÖn K Public Identification Number i. gnvRb
M e¨vsK cvk ewn Dc¯’vcb L Privat Identification Number ii. ¯^Y©Kvi
N wnmv‡ei †PK Rgvi gva¨‡g M Personal Identification Number iii. eëmvqx
4. Rxeb wegvPzw³‡Z AwZ cÖ‡qvRbxq Dcv`vb N Person Identification Number wb‡Pi †KvbwU mwVK?
†KvbwU? 15. evsjv‡`k e¨vs‡Ki cÖavb wbe©vnx †K? K i I ii L i I iii M ii I iii N i, ii I iii
K P‚ovšÍ mwØk¦vm L mgc©Y g~j¨ K gnveë¯’vcK L Mfb©i
25. KYC-Gi c~Yi© ƒc Kx?
M cvi¯úwiK Av¯’v N cÖwZ`vb M A_© mwPe N wmBI
K Know Your Creditor
5. eZ©gv‡b evsjv‡`‡ki wegv AvBb KZ mv‡ji? 16. MÖvgxY e¨vs‡Ki cÖwZôvZv †K? L Know Your Customer
K 1972 L 1985 K W. †gvnv¤§` BDbym L AvwZDi ingvb M Know Your Consumer
M 1994 N 2010 M dR‡j nvmvb Av‡e` N kvBL wmivR N Know Your Criteria
6. miKv‡ii †Kvb gš¿Yvj‡qi Aax‡b 17. ATM-Gi c~Yi© ƒc †KvbwU? 26. GKwU êa †P‡Ki †gqv` KZ?
evsjv‡`k e¨vsK cwiPvwjZ nq? K Accounts Transfer Machine K 15 w`b L 30 w`b
K cwiKíbv gš¿Yvjq L evwYR¨ gš¿Yvjq L Automatic Teller Machine
M 90 w`b N 180 w`b
M Automatic Transfer Machine
M A_© gš¿Yvjq N wkí gš¿Yvjq  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
N Automated Teller Machine
7. Rxeb wegv`vwe DÌvc‡bi Rb¨ cÖ‡qvRb  DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI : hgybv e¨vsK wj. wbqwgZ AvšÍte¨vswKs
i. cvwievwiK Z_¨
wg. X GKRb Avg`vwb Ges ißvwbKviK| Kvh©vewj cwiPvjbv I wbqš¿Y K‡i _v‡K|
ii. eq‡mi cÖgvYcÎ
wZwb Zvi AwaKvsk e¨vswKs Kvh©µg Zvi Avi GKwU e¨vsK 'KING BANK' G mKj
iii. g„Z¨z cÖgvYcÎ
eën„Z †gvevBj †dv‡bi gva¨‡g m¤úbœ Kvh©vewj‡Z Dcw¯’Z _v‡K bv|
K‡i _v‡Kb| wZwb gv‡S g‡a¨ eëmvwqK 27. hgybv e¨vs‡Ki mv‡_ wb‡¤œ †Kvb e¨vs‡Ki
cÖ‡qvR‡b we‡`k åg‡Y hvb| we‡`‡k wZwb wgj Av‡Q?
8. wegvPzw³ n‡jv gv‡S g‡a¨ Avw_©K msK‡U c‡ob| K evsjv‡`k K…wl e¨vsK
i. GKZidv Pzw³
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ii. `yZidv Pzw³
K‡ib? M AMÖYx e¨vsK wj. N cÖvBg e¨vsK wj.
iii. mwØk¦v‡mi Pzw³
K B›Uvi‡bU e¨vswKs L †gvevBj e¨vswKs 28. 'KING BANK' AvšÍte¨vswKs Kvh©vewj‡Z
M GmGgGm e¨vswKs N †dvb e¨vswKs
K i I ii L i I iii M ii I iii N i, ii I iii _v‡K bv †Kb? KviY GwU GKwU
9. Ôg„Zz¨nvicwÄÕ †Kvb wegvi mv‡_ m¤ú„³? 19. wg. X we‡`‡k wM‡q Kxfv‡e Avw_©K msKU
K evwYwR¨K e¨vsK L ZvwjKvfz³ e¨vsK
K †bŠ wegv L AwMœ wegv
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M A-ZvwjKvfz³ e¨vsK N we‡klvwqZ e¨vsK
M `yN©Ubv wegv N Rxeb wegv i. †µwWU Kv‡W©i gva¨‡g
ii. ågYKvixi †P‡Ki gva¨‡g 29. †K›`ªxq e¨vs‡Ki KvR n‡jv
iii. ågYKvixi cÖZ¨qc‡Îi gva¨‡g i. wbKvk Ni cwiPvjbv Kiv
Rbve Zvwgg Zvi cwiev‡ii K_v wPšÍv K‡i
wb‡Pi †KvbwU mwVK? ii. F‡Yi wbqš¿Y Kiv
dvi-B÷ jvBd BÝy¨‡iÝ I hgybv jvBd
K i I ii L i I iii M ii I iii N i, ii I iii iii. FY AvgvbZ m„wó Kiv
BÝy¨‡i‡Ý 10 jÿ UvKv K‡i `ywU wegvPzw³
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wcÖwgqvg wbqwgZ cÖ`vb K‡ib| K †K›`ªxq e¨vs‡Ki †`bv-cvIbv wb®úwË K i I ii L i I iii M ii I iii N i, ii I iii
10. Rbve Zvwgg †Kvb ai‡bi wegvcÎ †Lv‡jb? L ê‡`wkK †`bv-cvIbv wb®úwË 30. we‡k¦i †Kvb †`‡k kvwÝ e¨vsK cÖwZwôZ nq?
K MÖæc wegv L ˆØZ wegv M AvšÍte¨vswKs †`bv-cvIbv wb®úwË K BZvwj L Rvg©vwb
M cybwe©gv N AvRxeb wegv N miKv‡ii †`bv-cvIbv wb®úwË M Pxb N Bsj¨vÛ
1 K 2 M 3 N 4 N 5 N 6 M 7 M 8 M 9 N 10 L 11 M 12 L 13 L 14 M 15 L
16 K 17 N 18 L 19 N 20 M 21 M 22 M 23 M 24 N 25 L 26 N 27 L 28 M 29 K 30 M

1. e¨vsK Kx‡mi eëmvq K‡i? 9. †Kvb e¨vsKwUi mv‡_ 'M' e¨vs‡Ki wgj Av‡Q? 20. bM` UvKv Ges †P‡Ki weKí n‡jv
K g~ja‡bi L gybvdvi K evsjv‡`k e¨vsK L c~evjx e¨vsK i. †gvevBj e¨vswKs
M F‡Yi N ¯^‡Y©i M WvP&-evsjv e¨vsK N RbZv e¨vsK ii. †µwWU KvW©
2. we‡k¦i cÖ_g e¨vsK †KvbwU? 10. 'L' e¨vsK AvšÍte¨vswKs Kvh©vewj‡Z Dcw¯’Z iii. †WweU KvW©
K e¨vsK Ae †fwbm wb‡Pi †KvbwU mwVK?
_v‡K bv, KviY n‡jv
L kvÝx e¨vsK
K ZvwjKvfz³ e¨vsK L A-ZvwjKvfz³ e¨vsK K i I ii L i I iii M ii I iii N i, ii I iii
M e¨vsK Ae mvbRwR©I
M evwYwR¨K e¨vsK N †K›`ªxq e¨vsK 21. wegvi D‡Ïk¨ n‡jv
N e¨vsK Ae evwm©‡jvbv
11. e¨vs‡Ki cÖwZ MÖvn‡Ki wjwLZ wb‡`©k‡K Kx K SzuwK n«vm L mg‡qi mvkÖq
3. kvLv e¨vswKs-Gi êwkó¨ n‡jv
e‡j? M gybvdv e„w× N A_© ¯’vbvšÍi
i. †K›`ªxq e¨vs‡Ki mv‡_ m¤úK©
ii. cÖavb Awdm KZ…K © wbqš¿Y K †PK L †c-AW©vi 22. ûKzg †P‡Ki Ici †Kvb kã †jLv _v‡K?
M e¨vsK Wªvd&U N wewbgq wej K A_ev evnK‡K
iii. AwaK g~jab MVb
12. wewbgq we‡j cÿmg~n n‡jv L n¯ÍvšÍi‡hvM¨ bq
K i I ii L i I iii M ii I iii N i, ii I iii M A_ev Av‡`k Abymv‡i
i. Av‡`óv
N A¨vÛ †Kvs
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : ii. Avw`ó
X, Y Ges Z wZbwU †emiKvwi e¨vs‡Ki
23. wegvPzw³i Acwinvh© cÿ KqwU?
iii. cÖvcK
cwiPvjbv cl©` †RvUe× n‡q KvR Kivi K 2wU L 3wU
Rb¨ GKwÎZ nq| wm×všÍ nq †h, e¨vsK X M 4wU N 5wU
†nvwìs e¨vsK wnmv‡e KvR Ki‡e| Ab¨ 24. wegvi m~Pbv nq †Kvb wegvi gva¨‡g?
13. †Kvb †P‡Ki A_© e¨vs‡Ki gva¨‡g msMÖn
e¨vsK¸‡jv n‡e mvewmwWqvwi e¨vsK| K Rxeb L †bŠ
Kiv nq?
4. DÏxc‡Ki e¨vsK¸‡jv Kx ai‡bi e¨vswKs M AwMœ N m¤úwË
K evnK †PK L `vMKvUv †PK
Kv‡Ri wm×všÍ wb‡q‡Q? 25. eZ©gv‡b evsjv‡`‡k cÖPwjZ wegv AvBb
M ûKzg †PK N Dcnvi †PK
K MÖæc L kvLv KZ mv‡ji?
M †PBb N GKK  DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : K 1938 L 1991
5. DÏxc‡K X e¨vs‡Ki êwkó¨ n‡jv wigv wjwg‡UW †_‡K Zgv wjwg‡UW 5,00,000 M 1993 N 2010
i. mvewmwWqvwi e¨vsK¸‡jvi AwaKvsk UvKvi GKwU †PK cvq| †PKwU cÖwZôv‡bi 26. Rxeb wegvi ¸iæZ¡ n‡jv
†kqv‡ii gvwjKvbv AR©b Kiv wnmveiÿY Kg©KZ©v Rbve Rvwn`‡K e¨vsK i. Kg©ms¯’vb m„wó‡Z
ii. Aaxb¯’ e¨vsK¸‡jvi Ici Z`viK I †_‡K fvOv‡bvi Rb¨ w`‡jb| ii. Avw_©K wbivcËv
wbqš¿Y cÖwZôv Kiv 14. DÏxc‡K Rbve Rvwn` †Kvb cÿ wnmv‡e iii. e„× eq‡mi wbivcËv
iii. mvewmwWqvwi e¨vsK¸‡jvi cwiPvjbv we‡ewPZ n‡e? wb‡Pi †KvbwU mwVK?
bxwZ I c×wZ wba©viY K‡i †Ìqv K Aby‡gv`bKvix L aviK K i I ii L i I iii M ii I iii N i, ii I iii
wb‡Pi †KvbwU mwVK? M Av‡`óv N Avw`ó  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
K i I ii L i I iii M ii I iii N i, ii I iii 15. Zgv wjwg‡UW KZ…©K cÖvß †PKwU †Kvb ai‡bi? Avwei GKRb A‡UvPvjK| wb‡Ri
6. †K›`ªxq e¨vs‡Ki KvR †KvbwU? K evnK †PK L ûKzg †PK AeZ©gv‡b cwiev‡ii Avw_©K wbivcËvi K_v
K AvgvbZ msMÖn L gybvdv AR©b M `vMKvUv †PK N mvwU©dvBW †PK wPšÍv K‡i GKwU wegvcÎ MÖnY K‡ib Ges
M FY wbqš¿Y N FY cÖ`vb
16. AbjvBb e¨vswKs myweav †KvbwUi eënvi gvwmK 2,000 UvKv K‡i Rgv †`b|
7. evsjv‡`k e¨vs‡Ki cÖavb wbe©vnx †K?
n«vm K‡i‡Q? 27. Avwei †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb?
K eë¯’vcbv cwiPvjK
K e¨vsK WªvdU L miKvwi †bvU K Rxeb wegv L wbivcËv wegv
L gnveë¯’vcK
M e¨vsK †bvU N cÖZ¨qcÎ M fwel¨r wegv N m”QjZv wegv
M †cÖwm‡W›U N Mfb©i
8. e¨vsK nvi evo‡j 17. †KvbwUi gva¨‡g mxgvnxb e¨vswKs †mev 28. Avwe‡ii cÖ`Ë gvwmK 2,000 UvKv‡K Kx
i. my‡ì nvi ev‡o
mieivn Kiv hvq? ejv nq?
ii. FY mieivn K‡g K †gvevBj e¨vswKs L B-e¨vswKs K wewb‡qvM L mgc©Y g~j¨
iii. ê‡`wkK evwYR¨ ev‡o M †nvg e¨vswKs N GmGgGm e¨vswKs M wcÖwgqvg N †evbvm
wb‡Pi †KvbwU mwVK? 18. wb‡Pi †Kvb e¨vsKwU AbjvBb e¨vswKs 29. Kgc‡ÿ KZ eQi wcÖwgqvg †Ìqvi ci
K i I ii L i I iii M ii I iii N i, ii I iii †mev †_‡K ewÂZ? mgc©Y g~j¨ cwi‡kva Kiv nq?
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : K kvLv e¨vswKs L MÖæc e¨vswKs K GK eQi L `yB eQi
'M' e¨vsK cÖvqB AvšÍte¨vswKs Kvh©vewj M GKK e¨vswKs N †PBb e¨vswKs M wZb eQi N Pvi eQi
cwiPvjbv I wbqš¿Y K‡i| Ab¨vb¨ e¨vsK 19. B‡j±ªwbK e¨vswKs Gi Rb¨ Amyweav †KvbwU? 30. †Kvb wegvi †ÿ‡Î MÖæc wegv cÖ‡hvR¨?
Dcw¯’Z _vK‡jI 'L' e¨vsK Zv‡Z Dcw¯’Z K `ªæZ †jb‡`b L †gwkbwbf©i K †bŠ wegv L km¨ wegv
_v‡K bv| M wbfz©j wnmveiÿY N wnmv‡ei wbivcËv M AwMœ wegv N Rxeb wegv
1 M 2 L 3 N 4 K 5 N 6 M 7 N 8 K 9 K 10 L 11 K 12 N 13 L 14 L 15 K
16 K 17 L 18 M 19 L 20 M 21 K 22 M 23 K 24 L 25 N 26 M 27 K 28 M 29 L 30 N

1. g„Zz¨nvicwÄ n‡jv 12. e¨vs‡Ki mvaviY Kvh©vewj n‡jv 21. 1881 mv‡ji n¯ÍvšÍi‡hvM¨ `wjj AvB‡bi
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2. cybwe©gvi †ÿ‡Î wegvMÖnxZv †K? K i I ii L i I iii M ii I iii N i, ii I iii K evnK L Av‡`óv
K RvnvR gvwjK 13. e¨vsK nvi evo‡j M cÖvcK N Avw`ó
L cÖ_g wegv cÖwZôvb i. my‡ì nvi ev‡o  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
M wØZxq wegv cÖwZôvb ii. FY mieivn K‡g
Rbve cÖ‡R‡ki GKwU e¨vs‡Ki KvW© i‡q‡Q|
N welqe¯‘i cÖK…Z gvwjK iii. ê‡`wkK evwYR¨ ev‡o
wZwb ewikv‡ji wmwU cøvRv †_‡K GKwU
j¨vcUc µq K‡ib wKš‘ ch©vß bM` A_© bv
Rbve ivwd GKRb miKvwi PvKwiRxex| _vKvq wZwb Kv‡W©i gva¨‡g †c‡g›U K‡ib|
wZwb we‡`‡k †Uªwbs‡q hvevi mgq 2 gv‡mi 14. †K›`ªxq e¨vs‡Ki KvR †KvbwU?
K AvgvbZ msMÖn Kiv L FY wbqš¿Y Kiv
23. DÏxc‡K †Kvb ai‡bi e¨vswKs Kvh©µg
Rb¨ GKwU wegvcÎ MÖnY K‡ib| dz‡U D‡V‡Q?
M gybvdv AR©b N FY †Ìqv
3. DÏxc‡Ki wegvc‡Îi aib n‡jv 15. wb‡P †KvbwU FY wbqš¿‡Yi ¸YMZ c×wZ? K †gvevBj e¨vswKs L mgevq e¨vswKs
K †gqvw` L mvgwqK K e¨vsK nvi bxwZ M B‡jKUªwbK e¨vswKs N cÖvPxb e¨vswKs
M AvRxeb N MocoZv L †LvjvevRvi bxwZ 24. Rbve cÖ‡Rk †h Kv‡W©i gva¨‡g †c‡g›U
4. wegvK…Z e¨w³i g„Zzï ci `vwe cwi‡kva M Rgvi nvi cwieZ©b bxwZ K‡i‡Q †mwU †Kvb ai‡bi?
Kiv nq †Kvb wegvq? N eivÏKiY bxwZ K †WweU KvW© L †µwWU KvW©
K Rxeb wegvq L †Mvôx wegvq 16. ZvwjKvfz³ e¨vsKmg~‡ni KvR wbqš¿Y K‡i †K? M kwcs KvW© N wfwRwUs KvW©
M mvgwqK wegvq N AvRxeb wegvc‡Î K miKvi L miKvwi e¨vsK 25. wegv‡hvM¨ ¯^v_© wegvMÖnxZvi Kx‡mi Ici
5. †Kvb ai‡bi wegvc‡Î †evbvm cÖ`vb Kiv nq? M ivóªxq cÖwZôvb N †K›`ªxq e¨vsK wbf©i K‡i?
K km¨ wegvq L cybwe©gvq  DÏxcKwU c‡o 17 I 18bs cÖ‡kœi DËi `vI : K Avw_©K myweav L welqe¯‘
M †bŠ wegvq N Rxeb wegvq Ôevsjv‡`k e¨vsKÕ evsjv‡`‡ki †K›`ªxq M mybvg N D‡Ïk¨
6. mgc©Y g~j¨ †Kvb wegvq cÖ‡hvR¨? e¨vsK| evsjv‡`k e¨vsK †`‡ki Af¨šÍ‡ii 26. wb‡Pi †KvbwU wegvPzw³i we‡kl Dcv`vb?
K ˆØZ wegvq L AwMœ wegvq Ab¨vb¨ e¨vs‡Ki MV‡b, A_© Rgv I FY K cÖ¯Íve I ¯^xK…wZ L wegv‡hvM¨ ¯^v_©
M †bŠ wegvq N Rxeb wegvq wbqš¿‡Y, wbKvk I wnmve wbixÿvq mvnvh¨ M AvBbm¤§Z cÖwZ`vb N wbðqZv
7. e¨vsK eë¯’vi c~e©m~wi †K? K‡i _v‡K| ZvwjKvfz³ e¨vsK A_© msK‡U 27. wb‡Pi †KvbwU `vq wegv?
K Kg©Kvi L ¯^Y©Kvi co‡j A_© mnvqZI K‡i| K cybwe©gv L ˆØZ wegv
M †iŠc¨Kvi N Pg©Kvi 17. DÏxc‡K evsjv‡`k e¨vs‡Ki †Kvb f‚wgKvi M ¯^v¯’¨ wegv N km¨ wegv
8. MÖæc e¨vs‡Ki †ÿ‡Î wbqš¿YKvix e¨vsK‡K K_v ejv n‡q‡Q? 28. wegv eëmv‡qi g~jbxwZmg~n n‡jv
Kx ejv nq? K miKv‡ii e¨vsKvi
i. P‚ovšÍ mwØk¦v‡mi bxwZ
K †hŠ_ †Kv¤úvwb L †`‡ki cÖavb †K›`ªxq e¨vsK
ii. ¯’jvwfwl³Zvi bxwZ
L mvewmwWqvwi †Kv¤úvwb M ê‡`wkK wewb‡qvMKvix
iii. gybvdvi bxwZ
M †nvwìs †Kv¤úvwb N Ab¨vb¨ e¨vs‡Ki e¨vsKvi
N Askx`vwi †Kv¤úvwb
18. F‡Yi †kl AvkÖq¯’j wn‡m‡e wb‡¤œi †KvbwU
9. we‡k¦i cÖ_g e¨vsK †KvbwU? KvR K‡i?
K kvÝx e¨vsK K mgevq e¨vsK L evwYwR¨K e¨vsK  DÏxcKwU c‡o 29bs cÖ‡kœi DËi `vI :
L e¨vsK Ae †fwbm M †K›`ªxq e¨vsK N K…wl e¨vsK Rbve wRKz I Zvi †Q‡j GK‡Î 12 eQi
M e¨vsK Ae evwm©‡jvbv 19. cÖ¯‘ZK…Z †PK KZw`b c‡i evwm †P‡K †gqvw` GKwU wegvcÎ MÖnY K‡ib| Rbve
N e¨vsK Ae mvbRwR©I cwiYZ nq? wRKz gviv hvb 5 eQi ci| Zvi †Q‡j
10. AbjvBb e¨vswKs †Kvb ai‡bi e¨vsK K 90 L 180 ZLbB wegvi m¤ú~Y© UvKv †c‡jb|
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K †PBb L GKK 20. †P‡Ki cÿ¸‡jv n‡jv wegvcÎ wK‡bwQ‡jb?
M kvLv N MÖæc i. Av‡`óv K mvgwqK L LuvwU
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M †Mvôx N AvšÍR©vwZK K i I ii L i I iii M ii I iii N i, ii I iii M Rxeb wegv N Mevw` cï wegv
1 M 2 L 3 L 4 N 5 N 6 N 7 L 8 M 9 K 10 M 11 K 12 N 13 K 14 L 15 N
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ii. gvbwmK cÖkvwšÍ M fviZ N evsjv‡`k M cieZ©x Zvwi‡Li †PK
iii. gvbe Kj¨vY 11. kvLv e¨vswKs Gi êwkó¨ n‡jv N Aby‡gv`bcÖvß †PK
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Zvi eëmvwqK Kv‡Ri D‡Ï‡k¨ we‡`k åg‡Y
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cwiPvjbv K‡ib? wb‡Pi †KvbwU mwVK? ii. gybvdv AR©b Kiv
K †Uwj‡dvb e¨vswKs L †gvevBj e¨vswKs K i I ii L ii I iii M i I iii N i, ii I iii iii. FY wbqš¿Y Kiv
M B›Uvi‡bU e¨vswKs N †nvg e¨vswKs 15. †KvbwU we‡k¦i cÖ_g mymsMwVZ †K›`ªxq e¨vsK? wb‡Pi †KvbwU mwVK?
4. DÏxc‡K wg. Avwgb Kxfv‡e Zvi Avw_©K K w` e¨vsK Ae Bsj¨vÛ K i I ii L ii I iii M i I iii N i, ii I iii
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M w` wiRvf© e¨vsK Ae BwÛqv †KvbwU?
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N e¨vsK Ae Rvcvb K BIA L BIBM
ii. ågYKvixi †P‡Ki gva¨‡g
16. †Kvb mv‡j evsjv‡`k e¨vsK cÖwZwôZ nq? M IDRA N BIDA
iii. †µwWU Kv‡W©i gva¨‡g
K 1971 L 1972 M 1973 N 1974 26. †KvbwUi AeZ©gv‡b †Kv‡bv wegvPzw³
wb‡Pi †KvbwU mwVK? m¤úvw`Z n‡Z cv‡i bv?
17. SLR-Gi c~Yi© ƒc †KvbwU?
K Surplus Liquid Rate K P‚ovšÍ mwØk¦vm L wegv‡hvM¨ ¯^v_©
5. wegvPzw³i AvBbMZ Dcv`vb n‡jv L Statutory Liquidity Ratio M ÿwZc~iY N wKw¯Í
i. `ywU cÿ M Statutory Liquid Rate
ii. cÖ¯Íve I ¯^xK…wZ N Standard Liquidity Ratio
18. wgm Wvqbv Km‡gwUKm mvgMÖx µ‡qi Rb¨ wg. wknve Zvi Rxe‡bi Rb¨ ABC
iii. wegv‡hvM¨ ¯^v_©
iscyi †_‡K XvKvq hv‡eb| GRb¨ wZwb †Kv¤úvwbi wbKU †_‡K 7,00,000 UvKv
e¨vsK †_‡K GKwU 3 jÿ UvKvi `wjj Ges XYZ †Kvs-Gi KvQ †_‡K 9,00,000
msMÖn K‡i‡Qb| G `wj‡j DwjøwLZ kvLvq UvKv g~‡jï Rxeb wegvcÎ MÖnY K‡i‡Qb|
6. †Kvb ai‡bi wegvc‡Î †evbvm cÖ`vb Kiv nq?
wM‡q wZwb †mwU fvOv‡eb| 27. wg. wknve †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb?
K †bŠ L AwMœ
wgm Wvqbv e¨vsK †_‡K †Kvb ai‡bi `wjj K cybwe©gv L ˆØZ wegv
M km¨ N Rxeb wegv
msMÖn K‡i‡Qb? M †Mvôx wegv N †hŠ_ wegv
7. wg. Gg‡K †Nvl Ges D`q wegv †Kvs wj.
†ekwKQy kZ©vw` D‡jøL K‡i GKwU wegvPzw³ K †PK L e¨vsK †bvU 28. wg. wknv‡ei D³ wegv Kivi D‡Ïk¨ n‡jv
M †c-AW©vi N e¨vs‡Ki A½xKvicÎ i. SzuwK eÈb
m¤úv`b K‡i| Zv‡ì G wegvPzw³i kZ©
19. me©cÖ_g †Kvb †`‡k wbKvkNi eë¯’v ii. m¤ú‡K©i Dbœqb
cvjb Ki‡Z †K eva¨ _vK‡e?
cÖewZ©Z nq? iii. AwaK wbðqZv jvf
K wegvKg©x L wegvKvix
M wegvMÖnxZv K Av‡gwiKv L Bsj¨vÛ wb‡Pi †KvbwU mwVK?
M Pxb N Rvg©vwb K i I ii L ii I iii M i I iii N i, ii I iii
N wegvKvix I wegvMÖnxZv
8. wegv cwjwm‡Z SzuwK MÖn‡Yi wewbgq g~j¨‡K 20. †Kvb †PK me‡P‡q †ewk wbivc`? 29. gy`ªvevRvi wbqš¿Y K‡i †Kvb e¨vsK?
K Av‡`k †PK L evnK †PK K evwYwR¨K e¨vsK L wewb‡qvM e¨vsK
Kx e‡j?
M `vMKvUv †PK N ågYKvixi †PK M †K›`ªxq e¨vsK N we‡klvwqZ e¨vsK
K †evbvm L wcÖwgqvg
M my` N mgc©Y g~j¨  DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : 30.
9. wb‡Pi †KvbwU we‡klvwqZ e¨vsK? wg. AvRgj wg. mR‡ji †jLv GKwU †PK 1 2 3 4
K AMÖYx e¨vsK L †mvbvjx e¨vsK †c‡q‡Qb| †PK cÖ¯‘ZKvix 25-04-2021
M ivRkvnx K…wl Dbœqb e¨vsK Zvwi‡Li ¯’‡j fzj K‡i 25-05-2021 Dc‡ii †KvbwU we‡klfv‡e `vMKvUv †PK?
N Bmjvgx e¨vsK ZvwiL wj‡L‡Qb| G‡ÿ‡Î K 1bs L 2bs M 3bs N 4bs
1 M 2 L 3 L 4 M 5 K 6 N 7 N 8 L 9 M 10 L 11 N 12 M 13 K 14 K 15 K
16 K 17 L 18 M 19 L 20 M 21 M 22 N 23 L 24 M 25 M 26 L 27 L 28 M 29 M 30 N

1. PIN Gi c~Y©iƒc Kx? 11. ˆØZ wegvi †ÿ‡Î _v‡K 21. †K›`ªxq e¨vs‡Ki KvR n‡jv
K Public Identification Number i. GKK wegvKvix i. †bvU Bmy¨ Kiv
L Person Identification Number
ii. GKK wegvMÖnxZv ii. wej evÆv Kiv
M Personal Identification Number
N Private Identification Number iii. GKvwaK wegvKvix iii. FY wbqš¿Y Kiv
2. GmGgGm e¨vswKs Gi myweavmg~n n‡jv wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
i. †jb‡`‡b mZK©Zv cÖ`vb
ii. DØ„„‡Ëi cwigvY Rvbv
12. cy b we© gv †Kb Kiv nq?  DÏxcKwU c‡o 22bs cÖ‡kœi DËi `vI :
K wegvKvixi SzuwK eÈb m¤úÖwZ evsjv‡`k e¨vsK ZvwjKvfz³ evwYwR¨K
iii. ÿz`ª wnmve weeiYx cÖ`vb
L wegvPzw³‡Z fzj _vK‡j e¨vsK¸‡jv‡K wb‡`©kbv w`‡q‡Q Zv‡ì cÖ`Ë
M AcÖKvwkZ kZ© c~iY F‡Yi 10% Aek¨B K…wlLv‡Z cÖ`vb Ki‡Z n‡e|
N GKvwaKevi ÿwZc~iY jvf 22. DÏxc‡K evsjv‡`k e¨vs‡Ki wb‡`©kbvwU †Kvb
 DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : FY wbqš¿Y c×wZi AšÍfz©³?
Rbve kvwKj K·evRvi †eov‡Z wM‡q †WweU K e¨vsK nvi L F‡Yi eivÏKiY
Rbve kwdK GKwU †gqvw` Rxeb wegvcÎ †Lvjvi
Kv‡W©i gva¨‡g wej cwi‡kva K‡ib| e¨vsK M Rgvi nvi cwieZ©b N †LvjvevRvi
mgq Zvi cÖK…Z eqm 45 Gi cwie‡Z© 42 eQi
wnmv‡ei UvKv dzwi‡q †M‡j Zvi fvB XvKv †_‡K
D‡jøL K‡ib| Dchy³ Z_¨ cÖgv‡Y e¨_© nIqvq 23. †Lvjv evRv‡i †K›`ªxq e¨vsK wej, wmwKDwiwUR
Zvi wnmv‡e UvKv Rgv w`‡q †`b| UvKv Rgv I FYcÎ weµq Ki‡j Kx NU‡Z cv‡i?
wegv †Kv¤úvwb Zvi cÖ¯ÍvewU evwZj K‡i|
nIqvi ci wZwb wKQy UvKv D‡Ëvjb K‡ib Ges K evRv‡i F‡Yi cwigvY evo‡e
13. DÏxc‡K Rbve kwdK wegvi †Kvb †gŠwjK
XvKvq wd‡i Av‡mb| L bM` Rgvi nvi n«vm cv‡e
bxwZwU f½ K‡i‡Qb?
3. Rbve kvwKj †Kvb gva¨g n‡Z UvKv D‡Ëvjb M e¨vK nvi AcwieZ©xZ _vK‡e
K wegv‡hvM¨ ¯^v_© L P‚ovšÍ mwØk¦vm
K‡iwQ‡jb? M cÖZ¨ÿ KviY N ÿwZc~iY N evwYwR¨K e¨vs‡Ki FY`vb ÿgZv Kg‡e
K GwUGg L †Uwj e¨vswKs 24. wb‡Pi †Kvb e¨vsK wbKvk Ni cwiPvjbv K‡i?
14. †evbvm Kx?
M GmGgGm e¨vswKs N weµq †mev we›`y K Bmjvgx e¨vsK L evsjv‡`k e¨vsK
K wegv`vwei A_©
4. Rbve kvwK‡ji ågY my›ìfv‡e m¤úvw`Z n‡qwQj L wegvg~‡jï AwZwi³ A_© M K…wl e¨vsK N wkí e¨vsK
i. GwUGg Gi Rb¨ M wegvMÖnxZv KZ…©K cwi‡kvwaZ A_© 25. e¨vsK nvi bxwZ evwYwR¨K e¨vs‡Ki †KvbwU‡K
ii. AbjvBb e¨vswKs Gi gva¨‡g N wegvg~‡jï Zzjbvq m¤úwËi g~j¨ †ewk _vKv cÖfvweZ K‡i?
iii. †nvg e¨vswKs Gi gva¨‡g 15. wb‡Pi †KvbwU wbðqZvi Pzw³? K wbivcËv L m”QjZv
wb‡Pi †KvbwU mwVK? K Rxeb wegv L km¨ wegv M Zvij¨ N gybvdv
K i I ii L i I iii M ii I iii N i, ii I iii M AwMœ wegv N †bŠ wegv 26. †P‡Ki Avw`ó †K?
5. wb‡Pi †KvbwUi gva¨‡g evwK‡Z cY¨`ªe¨ µq 16. wb‡Pi †KvbwU ivóªvqË evwYwR¨K e¨vsK? K e¨vsK L aviK
Kiv hvq? K evsjv‡`k e¨vsK L RbZv e¨vsK M cÖvcK N AvgvbZKvix
K †µwWU KvW© L †WweU KvW© M evsjv‡`k K…wl e¨vsK N cÖevmx Kj¨vY e¨vsK 27. ûKz g †P‡Ki UvKv D‡Ëvjb Ki‡Z cv‡i
M Kzcb KvW© N K¨vk KvW© 17. MÖæc e¨vswKs eë¯’vq e¨vsK cwiPvjbvi `vwqZ¡ i. evnK
6. evsjv‡`‡k wegv eëmv‡qi wbqš¿K ms¯’v †KvbwU? enb K‡i †K? ii. cÖvcK
K BB L MRC K †K›`ªxq e¨vsK L A_© gš¿Yvjq iii. Aby‡gv`b e‡j cÖvcK
M IDRA N BSEC
M †nvwìs †Kv¤úvwb N mvewmwWqvwi e¨vsK wb‡Pi †KvbwU mwVK?
7. wegv eëmv‡qi DrcwËi µg †KvbwU? K i I ii L i I iii M ii I iii N i, ii I iii
18. e¨vs‡Ki Kvh©vewj n‡jv
K †bŠ wegv  AwMœ wegv  Rxeb wegv 28. †P‡K `vMKvUv nq †Kb?
i. FY cÖ`vb
L †bŠ wegv  Rxeb wegv  AwMœ wegv K miKvwi wb‡`©k L †PK evwZjKiY
ii. g~jab MVb
M mn‡R UvKv D‡Ëvjb
M AwMœ wegv  †bŠ wegv  AwMœ wegv iii. AvgvbZ msMÖn
N RvwjqvwZ I cÖZviYv‡iva
N AwMœ wegv  Rxeb wegv  †bŠ wegv wb‡Pi †KvbwU mwVK?
8. wb‡Pi †K kÖwg‡Ki ÿwZc~iY wegv K‡i? K i I ii L i I iii M ii I iii N i, ii I iii
K gvwjK L miKvi
wg. kvnxb Gwewm wj. n‡Z GKwU †PK †c‡jb
 DÏxcKwU c‡o 19 I 20bs cÖ‡kœi DËi `vI : †hwU wb‡¤œv³fv‡e `vMKvUv|
M Kg©KZ©v N kÖwgK iwng wgqv GKRb K…lK| Zvi K…wl Rwg QvovI
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : Mevw` cïi Lvgvi i‡q‡Q| wZwb Ggb GKwU
wg. Kwig `xN©w`b hver fvovq GKwU hš¿ e¨vs‡K wnmve cwiPvjbv K‡ib †hLv‡b FY, K…wl
eënvi K‡i Avm‡Qb| wZwb wbR bv‡g D³ welqK civgk© Ges Mevw` cïmsµvšÍ wg. kvnx‡bi AMÖYx e¨vs‡K †Kv‡bv wnmve †bB|
hš¿wU wegv Ki‡Z PvB‡j wegv †Kv¤úvwb Zvi cÖ‡qvRbxq Z_¨ I civgk© †Ìqv nq| 29. DÏxc‡Ki †PKwU †Kvb ai‡bi †PK?
cÖ¯Ív‡e A¯^xK…wZ Rvbvq| 19. DÏxc‡K iwng wgqv †Kvb e¨vs‡K wnmve K evnK L ûKzg
9. DÏxc‡K wg. Kwig †Kvb ai‡bi wegv Ki‡Z cwiPvjbv K‡ib? M mvaviY `vMKvUv N we‡kl `vMKvUv
†P‡qwQ‡jb? K K…wl e¨vsK L wkí e¨vsK 30. †PKwU bM`v‡bi †ÿ‡Î wg. kvnx‡bi KiYxqmg~n
K `vq wegv L Rxeb wegv M wewb‡qvM e¨vsK N wewbgq e¨vsK n‡jv
M m¤úwË wegv N mvgvwRK wegv 20. DÏxc‡K DwjøwLZ e¨vsKwUi A_©bxwZ‡Z i. cwiwPZ †h‡Kv‡bv e¨w³i e¨vsK wnmv‡e
10. DÏxc‡K wegv †Kv¤úvwb †Kb cÖ¯ÍvewU MÖnY Ae`vbmg~n n‡jv †PKwU Rgv †Ìqv
Ki‡Z A¯^xK…wZ Rvbvq? i. Kg©ms¯’vb m„wó ii. AMÖYx e¨vs‡K wnmve Ly‡j †PKwU Rgv †Ìqv
K AwaK SzuwKc~Y© ii. Lv`¨ wbivcËv iii. Gwewm wj. KZ…©K `vM AcmviY K‡i e¨vs‡K
L P‚ovšÍ mwØk¦v‡mi Afve iii. cywói Pvwn`v wgUv‡bv †PK Rgv w`‡q bM` D‡Ëvjb
M wegv‡hvM¨ ¯^v‡_©i Afve wb‡Pi †KvbwU mwVK? wb‡Pi †KvbwU mwVK?
N êa cÖwZ`v‡bi Abycw¯’wZ K i I ii L i I iii M ii I iii N i, ii I iii K i I ii L i I iii M ii I iii N i, ii I iii
1 M 2 N 3 K 4 K 5 K 6 M 7 K 8 K 9 M 10 M 11 M 12 K 13 L 14 L 15 K
16 L 17 M 18 N 19 K 20 K 21 L 22 L 23 N 24 L 25 N 26 K 27 M 28 N 29 N 30 M

Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| mKj cÖ‡kœi DËi w`‡Z n‡e| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|]
1. we‡k¦i cÖ_g e¨vsK †KvbwU? wb‡Pi †KvbwU mwVK? 20. DÏxc‡K Rbve Zv‡iK wegvi †Kvb bxwZwU
K e¨vsK Ae †fwbm L kvÝx e¨vsK K i I ii L i I iii M ii I iii N i, ii I iii j•Nb K‡i‡Qb?
M e¨vsK Ae mvbRwR©I N e¨vsK Ae evwm©‡jvbv 11. evsjv‡`k e¨vs‡Ki hvÎv ïiæ nq? K wegv‡hvM¨ ¯^v_© L P‚ovšÍ mwØk¦vm
2. gy`ªvùxwZi d‡j Kx N‡U? K 16 wW‡m¤î, 1971 L 26 gvP©, 1971 M ¯’jvwfwl³KiY N ÿwZc~iY
K Kg©ms¯’vb ev‡o L wewb‡qvM ev‡o M 26 gvP©, 1972 N 1 Rvbyqvwi, 1972 21. DÏxc‡K DwjøwLZ †cÖÿvc‡U wegv cÖwZôv‡bi
M my‡ì nvi ev‡o N c‡Yï `vg ev‡o 12. Av`vjZ cÖ`Ë Mviwbwk Av‡`‡ki mv‡_ wb‡Pi KiYxq Kx?
 DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : †Kvb welq m¤úwK©Z? K wegv`vwe cÖZ¨vL¨vb Kiv
Rbve Kwig †`bv`v‡ii wbKU †_‡K cvIbv eve` K AvgvbZKvix‡ì ¯^v_© L mgc©Y g~j¨ cwi‡kva Kiv
Ggb GKwU †PK †c‡q‡Qb †hLv‡b e¨vs‡Ki bvg L MÖ nxZvi Avw_© K wbivcËv M c~Y©`vwe cwi‡kva Kiv
D‡jøLc~e©K AvovAvwo `ywU `vM †Ìqv n‡q‡Q| M MÖvnK‡ì e¨vsK wnmve eÜ ev ¯’wMZ welqK N wcÖwgqvg †diZ †Ìqv
3. DÏxc‡Ki †PKwU †Kvb ai‡bi †PK? N Avw_©K Lv‡Z k„•Ljv eRvq ivLvi 22. wb‡Pi †KvbwU Awegv‡hvM¨ SzuwK?
K mvaviY `vMKvUv L we‡kl `vMKvUv 13. †WweU KvW© A‡cÿv †µwWU KvW© DËg KviY i. dUKv SzuwK
M ˆØZ `vMKvUv N duvKv `vMKvUv i. G‡Z FY myweav Av‡Q ii. Dc-Av`wk©K SzuwK
4. Rbve Kwi‡gi e¨vsK wnmve bv _vK‡j wZwb hv ii. cY¨ I †mev †Kbvi myweav Av‡Q iii. †gŠwjK SzuwK
iii. dvÛ Uª v Ýdv‡ii my w eav Av‡Q wb‡Pi †KvbwU mwVK?
Ki‡Z cv‡ib
i. †h Kv‡iv wnmv‡e †PK Rgv w`‡Z cv‡ib
K i I ii L ii I iii M i I iii N i, ii I iii 23. Rxeb wegvPzw³‡Z eqm cÖgvY ¸iæZ¡c~Y© †Kb?
ii. wbw`©ó e¨vsK wnmve Ly‡j †PK Rgv w`‡Z cv‡ib
DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : K g„Zz¨nvi wbY©q Kivi Rb¨
iii. †`bv`vi KZ…©K `vM AcmviYc~e©K bM` 
†`‡ki gvby ‡ li nv‡Z cÖ P i
z Ajm A_© _vKvi L wegv`vwe wbY©q Kivi Rb¨
D‡Ëvjb Ki‡Z cv‡ib
Kvi‡Y gy`ªvùxwZ n‡”Q| miKvi wm×všÍ wb‡q‡Q M wegvcÎ †Ìqvi Rb¨
wbR¯^ A_© v q‡b Mfxi mgy ` ª e ›ì wbg©v Y Ki‡e| N eq‡mi mv‡_ wcÖwgqv‡gi cÖZ¨ÿ m¤ú‡K©i Rb¨
ZvB evsjv‡`k e¨vs‡Ki gva¨‡g Avw_© K evRv‡i 24. wb‡Pi †KvbwU wbðqZvi Pzw³?
5. ATM-Gi c~Y©iƒc †KvbwU?
†UªRvwi eÛ wewµ K‡i 10 nvRvi †KvwU UvKv K †bŠ wegv L AwMœ wegv
K Automated Teller Machine
L Automate Transfer Machine msMÖ‡ni wm×všÍ †bq| M km¨ wegv N Rxeb wegv
M Automatic Teller Machine 14. evsjv‡`k e¨vs‡Ki Kvh©µgwU FY wbqš¿‡Yi 25. wegvK… Z welqe¯‘ ‡ Z wegvMÖ nxZvi Avw_©K ¯^v_©‡K
N Automatic Transfer Machine Kx e‡j?
†Kvb c×wZi g‡a¨ c‡o?
6. `vMKvUv †P‡Ki †ÿ‡Î †KvbwU AMÖnY‡hvM¨? K wegv ¯^v_© L AvBbMZ ¯^v_©
K †LvjvevRvi L e¨vsK nvi
K Aby‡gv`b L Aby‡gv`b ev n¯ÍvšÍi M wegv‡hvM¨ ¯^ v _© N gybvdv AR©‡bi ¯^v_©
M F‡Yi eivÏKiY N Rgvi nvi cwieZ©b
M n¯ÍvšÍi N eo A‡¼i †jb‡`b 26. †Mvôx wegv Kvi Rb¨ cÖ‡hvR¨?
7. wb‡Pi †KvbwU B-e¨vswKs †mevi g‡a¨ c‡o bv? 15. evsjv‡`k e¨vs‡Ki M„nxZ Kvh©µgwUi d‡j K wbw`©ó RvwZ‡Mvôx
K gy`ªvevRv‡i A‡_©i †hvMvb evo‡e
K †gvevBj e¨vswKs L AbjvBb e¨vswKs L GKB cwiev‡ii m`më„›`
L evwYwR¨K e¨vs‡Ki FY`vb ÿgZv e„w× cv‡e
M B›Uvi‡bU e¨vswKs N †P‡Ki gva¨‡g e¨vswKs M cÖwZôv‡bi mKj Kg©Pvix
M gvby‡li µqÿgZv evo‡e
8. †Kvb AvB‡bi Øviv evsjv‡`‡k evwYwR¨K N eÜy-evÜe
N evRv‡i F‡Yi cwigvY Kg‡e
e¨vsKmg~n cwiPvwjZ nq? 27. †Kvb wegvi mv‡_ ¯’jvwfwl³Ki‡Yi bxwZ m¤úK©nxb?
16. SLR kã ms‡ÿ‡ci cy‡iv kã †KvbwU?
K †Kv¤úvwb AvBb, 1994 K †bŠ L Rxeb
K Statutory Liquidity Ratio
L e¨vsK †Kv¤úvwb AvBb, 1991 L Standard Liquidity Reserve M m¤úwË N AwMœ
M e¨vsK †Kv¤úvwb AvBb 1992 M Statutory Liquidity Requirement  DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI :
N e¨vsK †Kv¤úvwb AvBb, 1932 N Standard Liquidity Rate
wg. Ave`y‡ji eqm 45 eQi| wegvK…Z A‡¼i
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : 17. †PBb e¨vs‡Ki êwkó¨ n‡jv cwigvY 45,000 UvKv| ZvB cÖwZeQi avh©K…Z
X, Y Ges Z wZbwU †emiKvwi e¨vs‡Ki i. c„_K mËv wcÖwgqv‡gi cwigvY ùvovq 2,000 , 4,000,
cwiPvjbv cl©` †RvUe× n‡q KvR Kivi Rb¨ ii. wb‡R‡ì g‡a¨ cÖwZ‡hvwMZv Kwg‡q Avbv 6,000, 8,000 I 10,000 UvKv| myZivs
GKwÎZ nq| wm×všÍ nq †h, e¨vsK X †nvwìs iii. †K›`ªxq wbqš¿Y evrmwiK wKw¯Íi cwigvY 6,000 UvKv|
e¨vsK wn‡m‡e KvR Ki‡e| Ab¨ e¨vsK¸‡jv n‡e wb‡Pi †KvbwU mwVK? 28. DÏxc‡K DwjøwLZ wcÖwgqvg wba©vi‡Yi c×wZ †KvbwU?
mvewmwWqvwi e¨vsK| K i I ii L i I iii M ii I iii N i, ii I iii K wbiƒcY c×wZ L mgwKw¯Í c×wZ
9. DÏxc‡Ki e¨vsK¸‡jv Kx ai‡bi e¨vswKs Kv‡Ri 18. GKwU êa †P‡Ki m‡e©v”P †gqv`Kvj KZw`b? M ¯^vfvweK wcÖwgqvg cwiKíbv c×wZ
wm×všÍ wb‡q‡Q? K 30 L 90 N Amg wKw¯Í c×wZ
K MÖæc L kvLv M 180 N 360 29. wcÖwgqvg wba©vi‡Yi D³ c×wZwUi myweav Kx?
M †PBb N GKK 19. g„Zz¨nvicwÄ me©cÖ_g ˆZwi K‡ib †K? K cÖwZeQi bZzb nv‡i wcÖwgqvg w`‡Z nq
10. DÏxc‡K 'X' e¨vs‡Ki êwkó¨ n‡jv K Avi Gm kg©v L GWgÛ n¨vwj L cÖwZeQi wcÖwgqv‡gi cwigvY mgvb nv‡i ev‡o
i. mvewmwWqvwi e¨vsK¸‡jvi AwaKvsk M wb‡Kvjvm evievb N GgGb wgkÖ M GwU ïayB wegvMÖnxZvi Rb¨ jvfRbK
†kqv‡ii gvwjKvbv AR©b K‡i  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : N GwU GKwU RwUj c×wZ
ii. Aaxb¯’ e¨vsK¸‡jvi Dci Z`viK I Rbve Zv‡iK Zvi †gqvw` wegvcÎwU wegv`vwe 30. eëmvq m¤úÖmvi‡Y wegvi cÖavb ¸iæZ¡ †KvbwU?
wbqš¿Y cÖwZôv Kiv cwi‡kv‡ai Rb¨ Dc¯’vcb K‡i‡Qb| Zvi cÖK…Z K wewb‡qv‡Mi Drmvn m„wó
iii. mvewmwWqvwi e¨vsK¸‡jvi cwiPvjbv bxwZ I eqm 40 n‡jI wZwb wegvc‡Î eqm 35 D‡jøL L Avw_©K wbivcËv weavb
c×wZ wba©viY K‡i †Ìqv K‡iwQ‡jb| M gvbwmK cÖkvwšÍ N mvgvwRK Kj¨vY
1 L 2 N 3 L 4 M 5 K 6 L 7 N 8 L 9 K 10 N 11 K 12 M 13 K 14 K 15 N
16 K 17 K 18 M 19 L 20 L 21 K 22 M 23 N 24 N 25 M 26 M 27 L 28 M 29 L 30 L

1. Mviwbwk AW©v‡i KqwU cÿ _v‡K? 11. wb‡Pi †PKwU jÿ Ki :  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI :
K 1wU L 2wU SB ZvwiL : evwYwR¨K e¨vsK¸‡jv †fv³v ch©v‡q F‡Yi
bs 0135846601
M 3wU N 4wU 10 cwigvY e„w× Kivq evRv‡i `ªe¨g~‡jï Ici
†mvbvjx e¨vsK wj. weiƒc cÖfve c‡o| GB ch©v‡q †K›`ªxq e¨vsK
2. wegvi êwkó¨ n‡jv
cÖ`vb Kiæb Rvjvj A_ev evnK‡K `k nvRvi UvKv D³ Lv‡Z FY wbqš¿‡Yi wPšÍv-fvebv Ki‡Q|
i. wjwLZ Pzw³ ¯^cb 20. F‡Yi cwigvY e„w× †c‡j `ªe¨g~‡jï Ici Kx
ii. SzuwK eÈb UvKv-10,000/= ¯^v¶i cÖfve c‡o?
iii. wcÖwgqvg †P‡K DwjøwLZ †mvbvjx e¨vsK wj.-†K †P‡Ki K `ªe¨g~j¨ Kg n‡e
wb‡Pi †KvbwU mwVK? fvlvq Kx e‡j? L `ªe¨g~j¨ e„w× cv‡e
K i I ii L i I iii M ii I iii N i, ii I iii K Avw`óv L Avw`ó M `ªe¨g~j¨ AcwiewZ©Z _vK‡e
3. M cÖvcK N aviK N m¤ú‡ì mymg eÈb n‡e
¯^Y©Kvi †kÖwY gnvRb †kÖwY eëmvqx †kÖwY
12. †P‡Ki eënvi cÖ_g †Kv_vq ïiæ nq? 21. DÏxc‡K DwjøwLZ †K›`ªxq e¨vsK †Kvb bxwZ
K evsjv‡`k L fviZ Aej¤^b K‡i FY wbqš¿‡Yi wPšÍvfvebv Ki‡Q?
? M Bsj¨vÛ N Av‡gwiKv K F‡Yi eivÏKiY bxwZ L cÖPviYvg~jK bxwZ
(?) wPwýZ ¯’v‡b Kx em‡e? M e¨vsK nvi bxwZ N †LvjvevRvi bxwZ
K e¨vs‡Ki c~e©m~wi L e¨vs‡Ki cÖwZôvZv
Rbve nvexe †emiKvwi cÖwZôv‡bi Kg©KZ©v| 22. wb‡Pi †KvbwU wbðqZvi Pzw³?
M e¨vsK Mfb©i N AvaywbK e¨vsK eë¯’v K m¤úwË wegvPzw³ L Rxeb wegvPzw³
GKwU d¬vU fvov wb‡q `xN©w`b XvKvq emevm
4. miKv‡ii Dc‡`óv wnmv‡e KvR K‡i †Kvb e¨vsK? M `yN©Ubv wegvPzw³ N `vq wegvPzw³
K‡ib| wbR bv‡g H d¬vUwU wegv Kivi Rb¨
K b¨vkbvj e¨vsK L wek¦ e¨vsK 23. BACH-Gi c~Y©iƒc †KvbwU?
wegv †Kv¤úvwbi wbKU cÖ¯Íve w`‡j wegv K Bangladesh Automated Clearing House
M MÖvgxY e¨vsK N †K›`ªxq e¨vsK †Kv¤úvwb Zv cÖZ¨vL¨vb K‡i| L Bangladesh Automated Cash House
5. wegv †Kv¤úvwb wegvPzw³i †Kvb bxwZ j•N‡bi 13. Rbve nvexe †Kvb ai‡bi wegv Ki‡Z †P‡qwQ‡jb? M Bangladesh Authority Clearing House
Kvi‡Y ÿwZc~iY †`q bv? K m¤úwË wegv L `yN©Ubv wegv N Bangladesh Authority Cash House
K wegv‡hvM¨ ¯^v‡_©i bxwZ M Rxeb wegv N WvKvwZ wegv
24. wb‡Pi †KvbwU AvaywbK A_©bxwZi cÖvYkw³?
K e¨vsK L wjwRs †Kv¤úvwb
L mwØk¦v‡mi bxwZ 14. Rbve nvex‡ei cÖ¯ÍvewU †Kb cÖZ¨vL¨vZ nq?
M cÖvB‡fU †Kv¤úvwb N wegv †Kv¤úvwb
M ¯’jvwfwl³Ki‡Yi bxwZ K mwØk¦ v ‡mi Afve L ÿwZc~ i ‡Yi Afve
25. A-ZvwjKvfz³ e¨vsK †KvbwU?
N AvbycvwZK AskMÖn‡Yi bxwZ M wbw`©óZvi Afve
K †mvbvjx e¨vsK L RbZv e¨vsK
6. evsjv‡`‡ki e„nËg evwYwR¨K e¨vsK †KvbwU? N wegv‡hvM¨ ¯^v‡_©i Afve
M Kg©ms¯’vb e¨vsK N Bmjvgx e¨vsK
K Bmjvgx e¨vsK wj. L AMÖYx e¨vsK wj. 15. †PK‡K ejv nq 26. †Kvb e¨vsK‡K FY`v‡bi †kl AvkÖq¯’j ejv nq?
M †mvbvjx e¨vsK wj. N RbZv e¨vsK wj. i. n¯ÍvšÍi‡hvM¨ F‡Yi `wjj K evwYwR¨K e¨vsK L wkí e¨vsK
ii. An¯ÍvšÍi‡hvM¨ F‡Yi `wjj M wek¦ e¨vsK N †K›`ªxq e¨vsK
iii. e¨vsK KZ…©K Qvcv‡bv `wjj  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
wg. Avjg miKvi cwiPvwjZ GKwU e„nr e¨vs‡K
wb‡Pi †KvbwU mwVK? wgm dvwiqv wek¦we`¨vj‡qi QvÎx| AMÖYx e¨vsK,
PvKwi K‡ib, †h e¨vsKwU Avgv‡ì †`‡k
K i I ii L i I iii M ii I iii N i, ii I iii ivRkvnx wek¦we`¨vjq kvLvq Zvi GKwU mÂqx
gy`ªvevRvi wbqš¿Y K‡i Ges AvšÍte¨vsK 16. Ô†gvevBj e¨vswKsÕ †mev cÖ_g †Kvb ms¯’v Pvjy
wnmve Av‡Q| D³ wnmv‡e A_© Rgv _vK‡jB
†jb‡`b wb®úwË‡Z f‚wgKv iv‡L| K‡i‡Q? GKwU Kv‡W©i gva¨‡g kwcs g‡j wM‡q cY¨ µq
7. wg. Avjg †Kvb e¨vs‡K PvKwi K‡ib? K WvP&-evsjv e¨vsK L WvK wefvM Ki‡Z cv‡i| GKw`b cY¨ µq K‡i Kv‡W©i
K AMÖYx e¨vsK L †mvbvjx e¨vsK M iƒcvjx e¨vsK N eª¨vK e¨vsK gva¨‡g g~j¨ cwi‡kva Kivi mgq Rvb‡Z cvij
M gv‡P©›U e¨vsK N evsjv‡`k e¨vsK Zvi wnmv‡e ch©vß A_© †bB| ZvB cY¨ µq bv
8. DÏxc‡K DwjøwLZ e¨vsKwU wbKvk Ni wn‡m‡e wg. Avjvj cvIbv eve` Zvi †`bv`v‡ii wbKU K‡i †m wd‡i Avmj|
†h mKj KvR K‡i _v‡K †_‡K 10,000/- (`k nvRvi) UvKvi GKwU †PK 27. wgm dvwiqv †Kvb ai‡bi KvW© eënvi KiZ?
i. FY`vb K †µwWU KvW© L †WweU KvW©
†c‡q‡Qb| †P‡Ki evg †Kv‡Y AvovAvwo `ywU
M cwiPqcÎ KvW© N K¨vk KvW©
ii. A_© ¯’vbv¯Í‡ii mnvqK `v‡Mi g‡a¨ ÔA¨vÛ †KvsÕ kã `ywU †jLv Av‡Q|
28. wgm dvwiqv †Kvb ai‡bi KvW© eënvi Ki‡j
iii. †jb‡`b mnR Kiv 17. DÏxc‡Ki †PKwU †Kvb ai‡bi? cY¨g~j¨ cwi‡kva Ki‡Z cviZ?
wb‡Pi †KvbwU mwVK? K mvaviY `vMKvUv †PK
K gv÷vi KvW© L wfmv KvW©
K i I ii L ii I iii M i I iii N i, ii I iii L we‡kl `vMKvUv †PK M †µwWU KvW© N †WweU KvW©
9. †K›`ªxq e¨vs‡Ki FY wbqš¿‡Yi ¸YMZ c×wZ M gv‡K©U †PK
29. e¨vsK n‡jv
†KvbwU? N ˆØZ `vMKvUv †PK
i. A_© I F‡Yi eëmvqx
K e¨vsK nvi bxwZ 18. †K›`ªxq e¨vsK Ab¨vb¨ e¨vsK †_‡K c„_K| KviY ii. A‡_©i wbivc` msiÿYKvix
L †LvjvevRvi bxwZ i. GKK cÖwZôvb iii. FY AvgvbZ m„wóKvix
ii. Kj¨vYag©x cÖwZôvb wb‡Pi †KvbwU mwVK?
M F‡Yi eivÏKiY bxwZ
iii. miKv‡ii e¨vsK K i I ii L i I iii M ii I iii N i, ii I iii
N Rgvi nvi cwieZ©b bxwZ
wb‡Pi †KvbwU mwVK? 30. wb‡Pi †KvbwU miKvwi wegv cÖwZôvb?
10. †Kvb ai‡bi wegvq g„Zz¨ ch©šÍ wcÖwgqvg Rgv
K i I ii L i I iii M ii I iii N i, ii I iii K Rxeb wegv K‡c©v‡ikb
w`‡Z nq? 19. wegv AvBb KZ mv‡ji? L iƒcvjx jvBd BÝy¨‡iÝ †Kv¤úvwb
K AvRxeb L mvgwqK K 2000 L 2002 M b¨vkbvj jvBd BÝy¨‡iÝ †Kv¤úvwb
M †gqvw` N cybwe©gv M 2010 N 2020 N †mvbvjx jvBd BÝy¨‡iÝ †Kv¤úvwb
1 M 2 N 3 K 4 N 5 L 6 M 7 N 8 L 9 M 10 K 11 L 12 M 13 K 14 N 15 L
16 K 17 K 18 N 19 M 20 L 21 K 22 L 23 K 24 K 25 M 26 N 27 L 28 M 29 N 30 K
kxl©¯’vbxq K‡j‡Ri †U÷ cixÿvi cÖkœcÎ : m„Rbkxj

37 XvKv K‡jR welq †KvW : 2 9 3
1  evsjv‡`k miKvi †g‡Æv‡ij cÖK‡íi cÖ‡qvRbxq g~jab msMÖ‡ni 7  wg. kvwdb GKRb wkÿK| wZwb e¨vsK wnmve Lyj‡Z Pvb| †h wnmv‡ei
j‡ÿ¨ Zvi cÖwZwbwaZ¡Kvix e¨vsK‡K `vwqZ¡ †`q| e¨vsKwU evRv‡i gva¨‡g wZwb AvaywbK cÖhyw³i Øviv e¨vswKs †mev cv‡eb| Ab¨w`‡K wg.
†UªRvwi wej Bmy¨ Kivi wm×všÍ MÖnY K‡i| kvwd‡bi evev Aemi MÖn‡Yi ci †ek wKQy UvKv †c‡q‡Qb| wZwb GLb
K. e¨vsK nvi bxwZ Kx? 1 Ggb GKwU wnmv‡e A_© Rgv ivL‡Z Pv‡”Qb hv‡Z Zvi Avq †ewk nq
L. FY`v‡bi †kl AvkÖq¯’j ej‡Z Kx †evS? 2 Ges cÖvß Avq wbw`©ó mgq ci ci D‡Ëvjb Kiv hvq|
M. DÏxc‡Ki cÖwZwbwaZ¡Kvix e¨vsKwUi bvg Kx? GwU †`‡ki K. ûKzg †PK Kx? 1
A_©evRvi mPj ivL‡Z Kxfv‡e Ae`vb iv‡L? e¨vL¨v Ki| 3
N. †UªRvwi wej Bmy¨ K‡i g~jab msMÖ‡ni †hŠw³KZv we‡kølY Ki| 4 L. evnK †PK ûKzg †PK A‡cÿv Kg wbivc` †Kb? 2
2  ivwkqv-BD‡µb hy× I K‡ivbv AwZgvwii cÖfv‡ei Kvi‡Y wek¦evRv‡i M. wg. kvwd‡bi Rb¨ †Kvb ai‡bi e¨vsK wnmve †Lvjv DËg? e¨vL¨v Ki| 3
†fvR¨ †Z‡ji g~j¨ †e‡o hvIqvq †`‡ki evRv‡iI †fvR¨ †Z‡ji N. wg. kvwd‡bi evevi cÖ‡qvRb Abyhvqx Ab¨ GKwU wnmve Lyj‡Z
g~j¨mn Ab¨vb¨ Avg`vwbK…Z `ª‡eï g~j¨ e¨vcKfv‡e e„w× cvq d‡j n‡e G e³‡eï h_v_©Zv g~j¨vqb Ki| 4
Avg`vwb e¨q e„w× cvq| Wjv‡ii Pvwn`v †e‡o hvq Ges †`‡ki gy`ªvi 8  Rbve nvmvb GKRb ˆZwi †cvkvK eëmvqx| wZwb ißvwbi D‡Ï‡k¨
g~j¨gv‡bi Aeg~j¨vqb N‡U| 4 K‡›UBbvi ˆZwi †cvkvK mxZvKzÐ wW‡cv‡Z iv‡Lb| mKj ˆZwi
K. gy`ªvùxwZ Kv‡K e‡j? 1 †cvkvK wegvK…Z wQj| Gi g‡a¨ wW‡cv‡Z Av¸b †j‡M 3 K‡›UBbvi
L. †K›`ªxq e¨vsK‡K gy`ªvevRv‡ii AwffveK †Kb ejv nq? 2 †cvkvK cy‡o hvq| Rbve nvmvb m¤ú~Y© †cvkv‡Ki Rb¨ ÿwZc~iY
M. †K›`ªxq e¨vsK Kxfv‡e `ªe¨g~j¨ wbqš¿‡Y Ae`vb ivL‡Z cv‡i? †P‡q wegv`vwe †ck K‡ib| wegv †Kv¤úvwb Zvi m¤ú~Y© `vwe c~i‡Y
e¨vL¨v Ki| 3 A¯^xK…wZ Rvbvq| cieZ©x‡Z kZ©mv‡c‡ÿ Zv c~iY Ki‡Z Pvq|
N. †K›`ªxq e¨vsK Kxfv‡e gy`ªvi ê‡`wkK wewbgq nvi wba©viY K. wegv Kx? 1
K‡i? we‡kølY Ki| 4
3  ZvwjKvfz³ e¨vsKmg~n MÖvnK‡ì AvgvbZ msMÖn I FY`vb K‡i, †kqvi L. Avw_© K ÿwZc~ i ‡Yi bxwZ ej‡Z Kx †evSvq? 2
µq-weµq K‡i| MÖvnK‡ì cÖwZwbwa wn‡m‡e KvR K‡i| wKš‘ A‡bK mgq M. Rbve nvmv‡bi `vwe c~i‡Y wegv †Kv¤úvwbi AcviMZv cÖKv‡ki KviY Kx? 3
wKQy ZvwjKvfz³ e¨vsK MÖvnK‡ì AvgvbZK…Z A_© AwaK nv‡i †kqvievRv‡i N. wegvi †Kvb kZ© c~iY n‡j Rbve nvmvb ÿwZc~i‡Yi A_©
wewb‡qvM K‡i, SzuwKc~Y© Lv‡Z FY`vb K‡i, h_vh_fv‡e cÖwfkb msiÿY cv‡eb e‡j Zzwg g‡b Ki? DË‡ii mc‡ÿ hyw³ `vI| 4
K‡i bv| G‡Z K‡i AvgvbZKvix‡ì A_© SzuwKi gy‡L c‡o| 9  wg. Zgvj Zvi MvwowU wegv K‡iwQ‡jb| GKwU `yN©Ubvq Zvi MvwowU m¤ú~Y©
K. Zvij¨ Kx? 1 ÿwZMÖ¯Í nq| wegv`vwe †ck Ki‡j wegv †Kv¤úvwb Zv‡K ÿwZc~iY †`q Ges
L. Òe¨vsK wewbg‡qi gva¨g m„wó K‡iÓ e¨vL¨v Ki| 2 ÿwZMÖ¯Í MvwowU wb‡q †bq| wg. Zgvj Zvi Rxe‡biI wegv K‡iwQ‡jb|
M. AvgvbZKvix‡ì A‡_©i wbivcËvi Rb¨ †K›`ªxq e¨vsK Kx GLb wZwb wPšÍvq Av‡Qb we‡kl †Kv‡bv Kvi‡Y wZwb gviv †M‡j wegv
ai‡bi c`‡ÿc wb‡Z cv‡i e¨vL¨v Ki| 3 †Kv¤úvwb Zvi bwgwb‡K ÿwZc~iY w`‡q Zvi g„Z‡`nwU‡KI wb‡q hv‡e|
N. DÏxc‡Ki Av‡jv‡K e¨vsKvi-MÖvnK m¤úK© we‡kølY Ki| 4 K. g„Zz¨nvicwÄ Kv‡K e‡j? 1
4  mvqnvg wek¦we`¨vj‡qi 2q e‡l©i GKRb QvÎ| †m Zvi Rgv‡bv UvKv L. Rxeb wegvq P‚ovšÍ mwØk¦v‡mi m¤úK© †Kb cÖ‡qvRb? 2
w`‡q e¨vsK wnmve Lyj‡Z AvMÖnx| †m Zvi cQ›`g‡Zv e¨vs‡K hvIqvi M. ÿwZMÖ¯Í MvwowU wegv †Kv¤úvwb wb‡q hvIqvq wegvi †Kvb bxwZ
ci e¨vsK Kg©KZ©v Zv‡K wnmve †Lvjvi Av‡e`bc‡Îi mv‡_ 1wU Kvh©Ki n‡q‡Q? e¨vL¨v Ki| 3
we‡kl dg© †`q Ges e‡j GwU c~iY Kiv eva¨Zvg~jK|
K. e¨vsK wnmve Kv‡K e‡j? 1 N. DÏxc‡Ki eY©b v Aby h vqx wg. Zgv‡ji g‡a¨ †h fq KvR Ki‡Q
L. bgybv ¯^vÿi KvW© †Kb cÖ‡qvRb nq? 2 Zvi †hŠw³KZv g~j¨vqb Ki| 4
M. mvqnv‡gi Rb¨ †Kvb wnmvewU Dchy³ e‡j Zzwg g‡b Ki? 3 10  Avwid ICB †Z wZb gv‡mi Rb¨ wkÿvbwek wn‡m‡e Kg© i Z wQj|
N. mvqnv‡gi wnmve †Lvjvi Rb¨ DÏxc‡K DwjøwLZ dg©wUi cÖwZ †gqv` †k‡l KZ…c © ÿ Zv‡K wkÿvbwek fvZvi †PK cÖ`vb K‡i|
¸iæZ¡ Av‡iv‡ci KviY we‡kølY Ki| 4 †PKwUi evg †Kv‡Y 2wU AvovAvwo `vM KvUv Av‡Q| Avwi‡di †Kv‡bv
5  kvnxb wbDgv‡K©‡U evRvi Ki‡Z hvq| bM` A_© AcÖZzj nIqvq kvnxb e¨vsK wnmve wQj bv| Avwid hLb †PKwU fvOv‡Z mswkøó e¨vs‡K hvq
Zvi †gvevBj A¨vcm eënv‡ii gva¨‡g †`vKvb`vi‡K A_© cwi‡kva ZLb Zviv Zv‡K e¨vsK wnmve †Lvjvi civgk© †`q|
K‡i| kvnx‡bi GKwU e¨vsK KvW© Av‡Q hv Øviv †m wbw`©ó mxgvi g‡a¨ A_© K. Av‡`óv †K? 1
D‡Ëvjb Ki‡Z cv‡i Ges †h‡Kv‡bv RvqMvq †KbvKvUv Ki‡Z cv‡i| L. †P‡Ki Aby‡gv`b ej‡Z Kx †evSvq? 2
K. POS Kx? 1 M. DÏxc‡Ki †PKwU Kx ai‡bi `vM KvUv †PK e‡j Zzwg g‡b
L. eZ©gv‡b ATM Gi eënvi GZ RbwcÖq †Kb? 2 Ki? Av‡jvPbv Ki| 3
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Kv‡W©i ¸iæZ¡ g~j¨vqb Ki| 3 11  wg. Rvwn` GKRb evmPvjK| †h‡Kv‡bv mgq `yN©Ubvi wkKvi n‡Z cv‡ib,
N. †gvevBj e¨vswKs `ªæZ †mev`v‡bi gva¨‡g Rxe‡bi wewfbœ evav
`~i K‡i‡Q Zzwg wK Gi mv‡_ GKgZ? DË‡ii mc‡ÿ hyw³ `vI| 4 wZwb cwiev‡ii fwel¨‡Zi K_v wPšÍv K‡i wegv cwjwm MÖnY K‡ib|
6  Rbve dvwng GKwU e¨vs‡K wnmve Ly‡j †jb‡`b cwiPvjbv K‡ib| †hLv‡b wZwb gviv †M‡jB †Kej Zvi cwievi wbw`©ó cwigvY A_© cÖvß
D³ e¨vsKwUi †`‡k-we‡`‡k eû Awdm i‡q‡Q| eëmv‡qi cÖ‡qvR‡b n‡e| Aciw`‡K Rbve ivwKb gvwmK wcÖwgqvg cÖ`v‡bi Pzw³‡Z 10 eQi
wZwb Ab¨ GKwU e¨vs‡K wnmve Ly‡j‡Qb| wZwb `ywU e¨vs‡Ki Kv‡R I †gqvw` 1wU wegv cwjwm MÖnY K‡ib| wKš‘ 5 eQi ci Avw_©K AmsMwZi
Kg©x‡ì AvPi‡Y cv_©K¨ †`L‡Z cvb| bZzb e¨vsKwUi Kg©x‡ì Kv‡R Kvi‡Y wZwb wegv Pvwj‡q wb‡Z AcviM nIqvq wegvcÎwU wegv †Kv¤úvwbi
Zzó n‡q wZwb bZzb e¨vs‡KB AwaK †jb‡`b Ki‡Qb| wbKU n¯ÍvšÍi K‡i GKwU MÖnY‡hvM¨ cwigvY A_© †diZ `vwe K‡ib|
K. Mviwbwk Av‡`k Kx? 1 K. wcÖwgqvg Kx? 1
L. e¨v‡mj-2 ej‡Z Kx †evSvq? 2 L. †Kvb ai‡bi wegvcÎ wewb‡qv‡Mi myweav cÖ`vb K‡i Ges Kxfv‡e? 2
M. Rbve dvwng cÖ_‡g †h e¨vs‡K †jb‡`b K‡i‡Qb mvsMVwbK M. DÏxc‡K DwjøwLZ wg. Rvwn‡ì M„nxZ wegvcÎwU †Kvb ai‡bi
wfwË‡Z Zv †Kvb ai‡bi e¨vsK e¨vL¨v Ki| 3 wegvcÎ? e¨vL¨v Ki| 3
N. c‡ii e¨vsKwU †h bxwZ AbymiY K‡i‡Q Zv e¨vsK eëmv‡q N. Zzwg wK g‡b Ki wegv †Kv¤úvwb Rbve ivwK‡bi `vweK…Z A_©
wU‡K _vKvi Rb¨ Avek¨K G e³‡eï h_v_©Zv we‡kølY Ki| 4 cÖ`vb Ki‡e? †Zvgvi gZvgZ `vI| 4
38 wbD Mft wWMÖx K‡jR, ivRkvnx welq †KvW : 2 9 3

1  Rbve Avmjvg mv‡ne GKRb eëmvqx| Zvi eëmvq m¤úÖmvi‡Yi K. AvRxeb wegvcÎ Kx? 1
Rb¨ bZzb GKUv cÖKí nv‡Z wb‡Z Pv‡”Qb| †hLv‡b A‡bK g~jab L. mgc©Y g~j¨ ej‡Z Kx †evSvq? 2
wewb‡qvM cÖ‡qvRb| D³ g~jab wewb‡qv‡M Zvi SzuwKI cÖPzi| Zvi M. Rbve iæûj †gNbv wegv †Kv¤úvwbi mv‡_ Pzw³wU †Kvb ai‡bi
wewb‡qvM‡hvM¨ g~jab nviv‡bvi f‡q wegv Ki‡Z †M‡j wegv †Kv¤úvwb wegvPzw³? e¨vL¨v Ki| 3
Ki‡Z A¯^xK…wZ Rvbvq| N. DÏxc‡Ki †gNbv wegv †Kv¤úvwbi GKB wegv †MvgZx wegv
K. wcÖwgqvg Kx? 1 †Kv¤úvwbi mv‡_ Pzw³ K‡ib Gi h_v_©Zv g~j¨vqb Ki| 4
L. wegvPzw³‡K cig wek¦v‡mi Pzw³ ejv nq †Kb? 2 7  wg. nvwee Gwewm e¨vs‡Ki GKwU Kv‡W© i AwaKvix| wZwb †mB KvW©
M. DÏxc‡K Rbve Avmjvg mv‡n‡ei wewb‡qvM‡hvM¨ g~jab Kx w`‡q w`bivZ A_© D‡Ëvjb Ki‡Z cv‡ib| e¨vs‡Ki Kg©Pvix wg. iwk`
ai‡bi SzuwK e¨vL¨v Ki| 3 Zv‡K Av‡iKwU Kv‡W©i cÖ¯Íve †`b hv w`‡q wZwb wba©vwiZ wKQy gv‡K©U
N. DÏxc‡K Rbve Avmjvg mv‡n‡ei bZzb cÖK‡íi Rb¨ wegv kwcs g‡j †KbvKvUv Kiv I c‡Yï g~j¨ cwi‡kva Ki‡Z cvi‡eb|
cÖwZôvb KZ…K© wegvPzw³i A¯^xK…wZ Rvbv‡bv KZUzKz hyw³msMZ D³ cÖ¯Ív‡e wg. nvwee ivwR n‡jb|
e‡j Zzwg g‡b Ki Av‡jvPbv Ki| 4 K. †gvevBj e¨vswKs Kx? 1
2  †`‡ki gy`ªvevRv‡ii w¯’wZkxjZv iÿvq †K›`ªxq e¨vs‡Ki f‚wgKv L. ¯^ qswµq wbKvkNi ej‡Z Kx †evSvq? 2
Acwimxg| wewfbœ Kvi‡Y †`‡ki gy`ªvùxwZ †`Lv w`‡j e¨vsKwU Zvi M. DÏxc‡Ki wg. nvwee †Kvb ai‡bi KvW© eënvi K‡i _v‡Kb
my‡ì nvi 1% e„w×i wm×všÍ MÖnY K‡i| ZeyI gy`ªvùxwZ wbqš¿‡Y bv Av‡jvPbv Ki| 3
Avmvq e¨vsKwU FY cÖ`v‡bi †ÿ‡Î KZK¸‡jv LvZ mywbw`©ó K‡i N. †Zvgvi g‡Z `y w U Kv‡W© i g‡a¨ †KvbwU DËg? †Zvgvi DË‡ii
†Ìqvq FY mieiv‡n w¯’wZkxjZv Av‡m| c‡ÿ hyw³ †`LvI| 4
K. FY wbqš¿Y Kx? 1 8  wg. Avjx Zvi eÜy‡ì Kv‡Q GKwU eëmvq m¤ú‡K© Rvb‡Z cv‡i †hwU
gvby‡li wewfbœ ai‡bi SzuwKi wecix‡Z Avw_©K mnvqZv K‡i| G eëmvqwU
L. †K›`ªxq e¨vsK miKv‡ii e¨vsK e¨vL¨v Ki| 2
gvby‡li Rxe‡bi SzuwKMZ cÖwZeÜKZv `~i K‡i Avw_©K wbivcËv wbwðZ
M. DÏxc‡K FY wbqš¿‡Y †K›`ªxq e¨vs‡Ki cÖ_g c`‡ÿcwU Av‡jvPbv Ki| 3
K‡i| eZ©gv‡b G eëmvqwU mevi Kv‡Q MÖnY‡hvM¨ RbwcÖq n‡q D‡V‡Q|
N. †K›`ªxq e¨vs‡Ki FY wbqš¿‡Y me©‡kl c`‡ÿcmg~n KZUzKz K. wegv †mjvwg Kx? 1
†hŠw³K e‡j Zzwg g‡b Ki? e¨vL¨v Ki| 4 L. wegv‡hvM¨ ¯^v_© ej‡Z Kx †evSvq? 2
3  AvÎvB e¨vsK †`‡ki mKj Zdwkwj e¨vs‡K Zv‡ì we‡kl gyn~‡Z© M. DÏxc‡Ki DwjøwLZ eëmv‡qi aib Av‡jvPbv Ki| 3
FY`vb K‡i _v‡K| e¨vsKwUi wb‡`©kbv †gvZv‡eK †`‡ki mKj e¨vsK N. DÏxc‡Ki DwjøwLZ eZ©gv‡b eëmv‡qi MÖnY‡hvM¨Zv I
cwiPvwjZ nq| gy`ªvùxwZ wbqš¿‡Y Z_v †`‡ki Af¨šÍixY F‡Yi n«vm RbwcÖqZvi KviY e¨vL¨v Ki| 4
e„w× AvÎvB e¨vs‡Ki Av‡`k wb‡`©k †gvZv‡eK cwiPvwjZ nq| 9  wg. †nv‡mb eëmvq Kvh©vewj myôzfv‡e m¤úv`‡bi Rb¨ GKwU e¨vsK
K. GKK e¨vsK Kx? 1 wnmve Lyj‡Z Pvq| e¨vsK g¨v‡bRvi Zv‡K Ggb wnmve Lyj‡Z e‡j
L. †K›`ªxq e¨vsK I evwYwR¨K e¨vs‡Ki g‡a¨ cv_©K¨ wbY©q Ki| 2 †h wnmve n‡Z wg. †nv‡mb w`‡b hZevi cÖ‡qvRb UvKv Rgv w`‡Z I
M. DÏxc‡Ki e¨vs‡Ki K‡qKwU Kvh©vewj D‡jøL Ki| 3 IVv‡Z cvi‡eb| Gi cvkvcvwk PvB‡j RgvwZwi³ FY wb‡Z cvi‡e|
N. DÏxc‡Ki e¨vs‡Ki †`‡ki gy`ªvùxwZ I FY wbqš¿‡Y ÿgZv Aciw`‡K ¯^íKvjxb mg‡qi Rb¨ myÌ cv‡eb|
iv‡L| †Zvgvi DË‡ii mc‡ÿ hyw³ `vI| 4 K. PjwZ wnmve Kx? 1
4  †gNbv e¨vsK †`‡ki wewfbœ †Rjv I Dc‡Rjvq RbM‡Yi AvgvbZ msMÖn, L. GKRb eëmvqxi Rb¨ †Kvb wnmve AwaK cÖ‡qvRb? e¨vL¨v Ki| 2
FY cÖ`vbmn Ab¨vb¨ e¨vswKs Kvh©µg m¤úbœ K‡i| cieZ©x‡Z Zv‡ì M. DÏxc‡Ki g¨v‡bRvi wg. †nv‡mb‡K †Kvb ai‡bi wnmve Lyj‡Z
Kvh©µg †`‡ki evB‡iI we¯Í…Z K‡i| Aciw`‡K myigv e¨vsK ïay wm‡jU civgk© w`j? e¨vL¨v Ki| 3
m`‡i Aew¯’Z GKgvÎ Awd‡mi gva¨‡g e¨vswKs Kvh©µg cwiPvjbv K‡i| N. wg. †nv‡mb eëmvq Kvh©vewj myôzfv‡e cwiPvjbvq DÏxc‡Ki
K. e¨vsK Kx? 1 DwjøwLZ e¨vsK wnmve AwaK ¸iæZ¡c~Y?© Gi mc‡ÿ hyw³ `vI| 4
L. Mviwbwk AW©vi †Kb Rvwi Kiv nq? e¨vL¨v Ki| 2 10 Avqvb GKRb QvÎ| e¨vs‡K wnmve †Lvjvi gva¨‡g †m GwUGg,
M. KvVv‡gvi wfwË‡Z †gNbv e¨vsK †Kvb ai‡bi e¨vsK e¨vL¨v Ki| 3 AbjvBbmn wewfbœ e¨vswKs myweav Pvq| Ab¨w`‡K AemicÖvß Kg©KZ©v
N. DÏxc‡Ki myigv e¨vsK †gNbv e¨vs‡Ki †_‡K †`‡ki wg. nvwg` mv‡ne †cbkb eve` wKQy UvKv †c‡q‡Qb| GB UvKvUv Ggb
A_©bxwZ‡Z AwaK f‚wgKv cvjb K‡i Zzwg GKgZ? †Zvgvi †Kv‡bv wnmv‡e ivL‡Z Pvb hv‡Z Zvi wKQy evowZ Avq nq|
DË‡ii mc‡ÿ hyw³ `vI| 4 K. e¨vsK cvm eB Kx? 1
5  Rbve iwng 15 eQ‡ii Rb¨ 5 jÿ UvKvi GKwU Rxeb wegvPzw³ L. ¯’vqx wnmve I mÂqx wnmv‡ei cv_©K¨ †jL| 2
m¤úv`b Ki‡e| 5 eQi wcÖwgqvg cwi‡kv‡ai ci Avw_©K mvg‡_©ï M. Avqvb †hme myweav Pvq Zvi Rb¨ †m‡ÿ‡Î †Kvb wnmve DËg?
Kvi‡Y wegvcÎwU Pvwj‡q hvIqv m¤¢e bq e‡j wegv †Kv¤úvwb‡K e¨vL¨v Ki| 3
Rvbvq Ges wcÖwgqvg Av`v‡qi Rb¨ Av‡e`b K‡i| N. wg. nvwg` mv‡ne †Kvb ai‡bi wnmve Ly‡j evowZ Avq wbwðZ
K. cybwe©gv Kx? 1 Ki‡Z cvi‡eb e‡j Zzwg g‡b Ki? 4
L. Rxeb wegv‡K wbðqZvi Pzw³ ejv nq †Kb? e¨vL¨v Ki| 2 11  ivRkvnxi ivby `vk eëmv‡qi cÖ‡qvR‡b XvKvi PKevRvi gby
M. Rbve iwng †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb Av‡jvPbv Ki| 3 †gvjøv‡K 1 †KvwU 30 jÿ UvKvi GKwU †PK cÖ`vb K‡ib| gby †gvjøv
N. DÏxc‡Ki Rbve iwng wegv †Kv¤úvwbi wbKU n‡Z wcÖwgqvg †mwU Zvi wnmv‡e Rgv †`b| Z‡e 1 Rvbyqvwi Zvwi‡L Bmy¨K…Z †PKwU
Av`v‡qi AwaKvix n‡eb wK? we‡kølY Ki| 4 8 RyjvB Zvwi‡L e¨vs‡K Rgv †`b|
6  Rbve iæûj GKwU mvB‡Kj †Kv¤úvwbi gvwjK| Rbve iæûj Zvi K. bgybv ¯^vÿi Kx? 1
†Kv¤úvwbi 2000 kÖwg‡Ki wbivcËvi Rb¨ GKK wegvc‡Îi gva¨‡g L. †P‡Ki Avw`ó Kx? eywS‡q †jL| 2
†gNbv wegv †Kv¤úvwbi mv‡_ Pzw³e× nb| †gNbv wegv †Kv¤úvwbi M. DÏxc‡Ki ewY©Z †PKwU †Kvb ai‡bi †PK? G †P‡Ki myweav eY©bv Ki| 3
GKB wegv †MvgZx wegv †Kv¤úvwbi mv‡_ Pzw³ K‡ib| N. gby †gvjøv Kxfv‡e Zvi cÖvc¨ UvKv Av`vq Ki‡Z cvi‡eb? we‡kølY Ki| 4
39 h‡kvi miKvwi gwnjv K‡jR welq †KvW : 2 9 3

1  mvwKe I mvwne `yB fvB| mvwKe hye Dbœqb Awa`ßi †_‡K cÖwkÿY M. AvwbKvi PvPv †Kvb e¨vs‡K PvKwi K‡i? e¨vL¨v Ki| 3
wb‡q GKwU Kw¤úDUvi cÖwkÿY †K›`ª Movi †Póvq 1,00,000 FY N. †`‡ki A_©‰bwZK w¯’wZkxjZv iÿvq GB e¨vs‡Ki Ae`vb g~j¨vqb Ki| 4
cÖvwßi Rb¨ Nyi‡Q| Nyi‡Z Nyi‡Z †m Ggb e¨vs‡Ki mÜvb cvq hviv 7  wg. bvwn` GKRb PvKwiRxex| Zvi †eZ‡bi UvKv e¨vsK wnmv‡e Rgv
†eKvi mgm¨v mgvav‡bi Rb¨ hyeK-hye gwnjv‡ì mnR k‡Z© FY nq| wZwb g~jZ GwUGg KvW© w`‡q UvKv D‡Ëvjb K‡ib| Zvi †PK eBUv
†`q| †mLvb †_‡K †m FY wb‡q‡Q| mvwne GKwU †QvU e¨vsK †_‡K Pzwi n‡q †M‡jI A‡bKw`b wZwb †Lqvj K‡ibwb| c‡i wZwb e¨vsK‡K
FY †bq †hLv‡b †QvU I N‡ivqv wkí M‡o Zzj‡Z FY †Ìqv nq| wjwLZfv‡e AewnZ K‡ib| Gici D³ †P‡Ki cvZvq Rvj ¯^vÿi K‡i
K. e¨vswKs Kx? 1 UvKv DVv‡bv nq| c‡i welqwU RvbvRvwb n‡j e¨vsK †P‡Ki `vwqZ¡ wb‡Z
L. kvLv e¨vsK Kv‡K e‡j? 2 A¯^xKvi K‡i| wg. bvwn` gvgjv Ki‡j wePviK Zvi c‡ÿ ivq †`b|
M. mvwKe †h e¨vsK †_‡K FY wb‡q‡Q Kvh©vewji w`K †_‡K †mwU K. A½xKvicÎ Kx? 1
†Kvb e¨vsK? e¨vL¨v Ki| 3 L. we‡klfv‡e `vMKvUv †PK ej‡Z Kx †evS? 2
N. †`‡ki ÿz`ª wkí weKv‡k mvwn‡ei FY mieivnK…Z e¨vsKwUi M. bvwn‡ì †PKwU †Kvb ai‡bi? e¨vL¨v Ki| 3
Zvrch© g~j¨vqb Ki| 4 N. wePviK wg. bvwn‡ì c‡ÿ †h ivq w`‡q‡Qb Zv wK Zzwg mg_©b
2  AwRdv e¨vsK GKwU eo e¨vsK hvi †`‡ki me Dc‡Rjvq kvLv Ki? iv‡qi †hŠw³KZv we‡kølY Ki| 4
i‡q‡Q| e¨vsKwU gybvdv AR©‡bi D‡Ï‡k¨ e¨vswKs Kvh© cwiPvjbv 8  myg‡bi evev nVvr iv‡Z n„`‡iv‡M AvµvšÍ nIqvq Riæwi 20,000
K‡i| wgg GKwU †QvU e¨vsK †hwU Avw_©Kfv‡e Am”Qj n‡q hv‡”Q| UvKvi cÖ‡qvRb c‡o| Zvi fvB gvgy‡bi Kv‡Q UvKv bv _vK‡jI †m
AwRdv e¨vsK wgg e¨vs‡Ki 60% †kqvi µq K‡i †bq Ges D³ GKUv KvW© wb‡q †ewi‡q `ªæZ UvKv msMÖn K‡i Avbj| gvgyb B`vbxs
e¨vs‡Ki cwiPvjbvi `vwqZ¡ MÖnY K‡i| wewfbœ mg‡q we‡`‡k hv‡”Q| KL‡bv Zvi AwZwi³ UvKvi cÖ‡qvRb
K. ZvwjKvfz³ e¨vsK Kv‡K e‡j? 1 c‡o| ZvB †m Av‡Mi KvW©wU Rgv w`‡q bZzb KvW© wb‡q‡Q G‡Z Zvi
L. e¨vsKvi Kv‡K e‡j? e¨vL¨v Ki| 2 LiP e„w× †c‡jI myweav n‡q‡Q|
M. Kvh©vewji w`K †_‡K AwRdv e¨vsK †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 K. AbjvBb e¨vswKs Kx? 1
N. AwRdv I wgg e¨vsK GKwÎZ n‡q †Kvb e¨vswKs M‡o Zz‡j‡Q? L. FY myweavmn GwUGg KvW©‡K Kx e‡j? 2
A_©bxwZ‡Z Gi ¸iæZ¡ e¨vL¨v Ki| 4 M. DÏxc‡K gvgyb †Kv_v †_‡K UvKv msMÖn K‡i? e¨vL¨v Ki| 3
3  wcqvj e¨vsK‡K evievi mZK© KiwQj †K›`ªxq e¨vsK wKš‘ †m e¨vsKwU N. gvgyb cieZ©x‡Z †h KvW© msMÖn K‡i‡Q Zv 1g KvW© A‡cÿv
†Zgb Avg‡j †bqwb d‡j e¨vsKwU GKmgq wec‡` c‡o g›` KZUv myweavRbK? g~j¨vqb Ki| 4
ZvwjKvq AšÍfz©³ nq| †K›`ªxq e¨vsK gyL wdwi‡q wb‡Z cviZ wKš‘ 9  wg. widvZ I iæ‡ej `yBRb eÜy| wg. widvZ XvKv-ivRkvnx gnvmo‡K
†m †bq bv| †m wcqvj e¨vs‡Ki cv‡k G‡m ùvovq| cÖ‡qvRbxq FY I GKwU †c‡Uªvj cv¤ú ewm‡q‡Qb| Gm‡ei wbivcËvi R‡b¨ wZwb wegvI
civgk© †`q| GK ch©v‡q e¨vsKwU‡Z cÖkvmK wb‡qvMc~e©K `vwqZ¡ K‡i‡Qb| Ab¨w`‡K iæ‡ej hvÎx cwien‡bi R‡b¨ 2wU wejvmeûj ev‡mi
MÖnY K‡i| G‡Z ax‡i ax‡i RbM‡Yi Av¯’v †d‡i| eëmvq Ki‡Qb| wg. widvZ evievi iæ‡ej‡K wb‡Ri m¤úwË I hvÎx‡ì
K. †K›`ªxq e¨vs‡Ki gyL¨ D‡Ïk¨ Kx? 1 wbivcËvi R‡b¨ eë¯’v MÖnY Ki‡Z ej‡jI wZwb ¸iæZ¡ †`bwb| GKwU
L. wbKvk Ni Kv‡K e‡j? 2 `yN©Ubvq 2 Rb hvÎx wbnZ I 10 Rb AvnZ n‡j wZwb wech©¯Í n‡q c‡ob|
M. wcqvj e¨vsK †Kvb ai‡bi evwYwR¨K e¨vsK? e¨vL¨v Ki| 3 K. wegv Kx? 1
N. †K›`ªxq e¨vs‡Ki Giƒc ev‡i ev‡i cv‡k G‡m ùvov‡bvi L. AvbycvwZK AskMÖnY bxwZ ej‡Z Kx †evSvq? 2
ga¨w`‡q Awffve‡Ki f‚wgKvi cÖgvY wg‡j‡Q e¨vL¨v Ki| 4 M. wg. widvZ †Kvb ai‡bi wegvPzw³ K‡i‡Qb? e¨vL¨v Ki| 3
4  †`‡ki `ªe¨g~j¨ `ªæZ evo‡Q| ZvB gy`ªvùxwZ †iv‡a miKvi evsjv‡`k N. DÏxc‡K wg. iæ‡ej wcÖwgqvg euvPv‡Z wM‡q wec‡` c‡o‡Qb?
e¨vsK‡K we‡kl wb‡`©kbv w`‡q‡Q| evsjv‡`k e¨vsK GRb¨ CRR 6% Zzwg wK mg_©b Ki? †hŠw³KZv we‡kølY Ki| 4
†_‡K 8% e„w×i wm×všÍ wb‡q‡Q G‡Z e¨vs‡Ki FY`vb ÿgZv wKQyUv 10 Rbve mMxi Zvi e¨w³MZ Mvwoi Rb¨ 20 jvL UvKv wegv K‡ib|
Kg‡jI Zv cÖZ¨vwkZ bv nIqvq evsjv‡`k e¨vsK evRv‡i wKQy eÛ I `yN©Ubvq MvwowU m¤ú~Y© ÿwZMÖ¯Í nq| mMxi wegv`vwe †ck Ki‡j wegv
wej †Q‡o‡Q| G‡Z MÖvnK‡ì g‡a¨ h‡_ó mvov cwijwÿZ n‡”Q| †Kv¤úvwb m¤ú~Y© ÿwZc~iY cÖ`vb K‡i| Gw`‡K ÿwZMÖ¯Í MvwowU
K. wewnZ gy`ªv Kx? 1 weµq K‡i 25,000 UvKv cvIqv †M‡j Zv mMxi `vwe Ki‡j wegv
L. A_©evRv‡ii gyiweŸ †Kvb e¨vsK? eywS‡q wjL| 2 †Kv¤úvwb w`‡Z A¯^xKvi Rvbvq|
M. evsjv‡`k e¨vsK FY wbqš¿‡Y cÖ_‡g †Kvb bxwZ MÖnY K‡i‡Q? eY©bv Ki| 3 K. mvaviY wegv Kv‡K e‡j? 1
N. evsjv‡`k e¨vs‡Ki cieZ©x Kvh©µg c‡ivÿ n‡jI Kvh©Ki L. wegv‡K SzuwK eÈ‡bi †hŠ_ eë¯’v ejv nq †Kb? 2
n‡e e¨vL¨v Ki| 4 M. †Kvb bxwZi AvIZvq mMxi wegv cÖwZôv‡bi wbKU n‡Z A_©
5  Avwiqvb mv‡ne GKRb eëmvqx| wZwb Zvi Kg©Pvix‡K 20,000 jvf K‡i‡Q? e¨vL¨v Ki| 3
UvKvi GKwU †PK w`‡q UvKv Zzj‡Z cvVv‡j †m †PKwU nvwi‡q †d‡j| N. wegv cÖwZôvb KZ…©K mMx‡ii me©‡kl `vwe c~iY bv Kivi
GKRb e¨w³ †PKwU Øviv UvKv Zz‡j wb‡q hvq| Gi ci GKRb †hŠw³KZv Zz‡j ai| 4
cvIbv`vi‡K wZwb Ggb GKwU †PK †`b †hwUi UvKv H cvIbv`v‡ii 11  Rbve Bgivb GKRb PvKwiRxex| wZwb Zvi ¯¿x‡K bwgwb K‡i Rxeb
e¨vsK wnmv‡e Rgv n‡e Ges †m Qvov †KD GB UvKv Zzj‡Z cvi‡e bv| wegv K‡c©v‡ikb †_‡K GKwU 20 eQi †gqvw` wegvcÎ MÖnY K‡ib|
K. †µwWU KvW© Kx? 1 5 eQi ci nVvr kvixwiK Amy¯’Zvi Rb¨ wZwb K‡g© Aÿg n‡q hvb|
L. †P‡Ki Agh©v`v ej‡Z Kx †evS? we‡kølY Ki| 2 wegv`vwei Rb¨ Av‡e`b Ki‡j †Kv¤úvwb `vwe cÖZ¨vL¨vb K‡i Ges
M. Avwiqvb mv‡n‡ei nvwi‡q hvIqv †PKwU †Kvb ai‡bi †PK? e¨vL¨v Ki| 3 Zv‡K Zvi cÖ`Ë A‡_©i Askwe‡kl †diZ †`q|
N. Avwiqvb mv‡n‡ei 2q †PKwU wK AwaK wbivc`? †Zvgvi K. wcÖwgqvg Kx? 1
mc‡ÿ hyw³ †`LvI| 4 L. g„Zz¨nvicwÄ ej‡Z Kx †evS? 2
6  AvwbKvi PvPv Ggb GKwU e¨vs‡K PvKwi K‡ib †h e¨vsK miKv‡ii M. DÏxc‡K Rbve Bgivb †Kvb ai‡bi Rxeb wegvcÎ MÖnY
Znwej msiÿY K‡i Ges wbKvk Ni wnmv‡e KvR K‡i| K‡ib? e¨vL¨v Ki| 3
K. evsjv‡`k e¨vs‡Ki Mfb©i KqRb? 1 N. wegv †Kv¤úvwb `vwe cwi‡kva bv K‡i †h A_© w`‡q‡Q Zv KZUv
L. †K›`ªxq e¨vsK Kxfv‡e evwYwR¨K e¨vsK¸‡jv‡K wbqš¿Y K‡i? 2 †hŠw³K? we‡kølY Ki| 4
40 Kzwgjøv wf‡±vwiqv miKvwi K‡jR welq †KvW : 2 9 3

1  ¯^‡`k dvBbvÝ wj. †`‡ki wewfbœ RvqMvq Zvi kvLv ¯’vcb K‡i RbM‡Yi K. bgybv ¯^vÿi KvW© Kx? 1
KvQ †_‡K UvKv msMÖn K‡i _v‡K| wKš‘ Zv‡ì Dci RbM‡Yi Av¯’v Kg, L. †P‡Ki Avw`ó †K? eywS‡q wjL| 2
KviY cÖwZôvbwU †Kv‡bv kw³kvjx cÖwZôv‡bi Aax‡b cwiPvwjZ n‡”Q bv| M. Rbve RvIqv` fvovwUqv‡ì wbKU †_‡K Kx ai‡bi †PK †c‡qwQ‡jb?
ZvQvov cÖwZôvbwU Avw_©K msK‡U co‡j D×vi Kivi †KD †bB| cÖwZôvbwU e¨vL¨v Ki| 3
Zv‡ì eëmvi fwel¨r wb‡q A‡bK wPwšÍZ, †mBRb¨ Zv‡ì KvVv‡gv N. DÏxc‡Ki Rbve RvIqv` KZ…©K †P‡Ki †KvYvq jvBb †U‡b †Ìqvi
cwieZ©b K‡i GKwU kw³kvjx e¨vs‡Ki Aax‡b cwiPvwjZ n‡Z Pvq †hwU Zvi †hŠw³KZv we‡kølY Ki| 4
FY`v‡bi †kl AvkÖq¯’j wn‡m‡e KvR Ki‡e| 7  Rbve kvnxb~i GKRb eëmvqx| wZwb Zvi eëmvwqK cÖ‡qvR‡b gv‡S gv‡S
K. e¨vswKs Kx? 1 evwK‡Z †jb‡`b K‡ib| †jb‡`bK…Z evwKi UvKv cieZ©x‡Z bM‡` Ges †P‡Ki
L. KYC †Kb cÖ‡qvRb? e¨vL¨v Ki| 2 gva¨‡g msMÖn K‡ib| AwZ m¤úÖwZ wZwb `ywU †P‡Ki gva¨‡g evwKi UvKv Rbve
M. ¯^‡`k dvBbvÝ wj. †Kvb ai‡bi cÖwZôvb Av‡jvPbv Ki| 3 dwi‡ì wbKU n‡Z †c‡q‡Qb| Rbve kvnxb~i RbZv e¨vs‡K †jb‡`b K‡ib|
N. DÏxc‡K DwjøwLZ cÖwZôvbwU Zvi KvVv‡gv cwieZ©‡bi d‡j †`‡ki wKš‘ wZwb †PK `ywU RbZv I AMÖYx e¨vs‡Ki gva¨‡g †c‡q‡Qb| wZwb †PK `ywU
A_©‰bwZK Dbœq‡b Kx †ewk f‚wgKv ivL‡Z cvi‡e? mc‡ÿ hyw³ `vI| 4 wb‡q Zvi †jb‡`bK…Z RbZv e¨vs‡K hvb| e¨vsK ZvrÿwYKfv‡e GKwU †P‡Ki
2  F‡Yi AvwaK¨ I ¯^íZv DfqB †`‡ki Rb¨ ÿwZKi| Dfq Ae¯’vq †`‡ki UvKv w`‡Z PvB‡jI Ab¨wUi Rb¨ mvZw`b mgq PvBj|
Drcv`b, wewb‡qvM I A_©‰bwZK Dbœqb Pigfv‡e e¨vnZ nq| G Ae¯’v †_‡K K. wbKvk Ni Kx? 1
cwiÎvY jv‡fi Rb¨ FY wbqš¿Y Avek¨K| miKvi GKwU e¨vsK‡K FY L. mÂqx wnmv‡ei UvKv wK B”Qvg‡Zv hZ Lywk hLb ZLb †Zvjv m¤¢e?
wbqš¿‡Yi `vwqZ¡ cÖ`vb K‡i| e¨vsKwU my‡ì nvi evwo‡q Kwg‡q FY wbqš¿‡Yi e¨vL¨v Ki| 2
†Póv K‡i| d‡j †`‡ki FY wbqš¿‡Y Kvh©Ki cÖfve jÿ Kiv hv‡”Q| M. RbZv e¨vsK Rbve kvnxb~i‡K †Kvb †P‡Ki UvKv ZvrÿwYKfv‡e w`‡Z
K. FY wbqš¿Y Kx? 1 PvBj, †Kb? e¨vL¨v Ki| 3
L. F‡Yi †kl AvkÖq¯’j †Kvb e¨vsK‡K ejv nq Ges †Kb? 2 N. e¨vsK †Kb Ab¨ †P‡Ki UvKv w`‡Z mvZ w`b mgq PvBj? `ywU †P‡Ki
M. DÏxc‡K DwjøwLZ e¨vsKwU FY wbqš¿‡Y †Kvb c×wZ eënvi K‡i? êwkó¨ D‡jøLc~e©K e¨vL¨v Ki| 4
e¨vL¨v Ki| 3 8  iwng I myg‡bi hgybv e¨vs‡K wnmve Av‡Q| e¨vsK Zv‡ì `ywU cøvw÷K KvW©
N. DÏxc‡K `vwqZ¡cÖvß e¨vsKwUi FY wbqš¿‡Yi †hŠw³KZv g~j¨vqb Ki| 4 cÖ`vb K‡i| Zviv kwcsg‡j †KbvKvUv Ki‡Z hvq Zv‡ì Kv‡Q bM` A_© bv
3  Rbve bvwf` I Rbve Kwig XvKv wek¦we`¨vjq †_‡K m`¨ GgweG cvm K‡i †ei _vK‡jI cøvw÷K Kv‡W©i gva¨‡g Zviv †KbvKvUv Ki‡Z mÿg nb| G‡ÿ‡Î
n‡q‡Q| m¤úÖwZ bvwf` X e¨vs‡Ki mnKvix cwiPvjK c‡` †hvM`vb K‡i, †hwU iwn‡gi e¨vsK wnmv‡e UvKv _vK‡jI myg‡bi e¨vsK wnmv‡e UvKv wQj bv|
†`‡ki gy`ªvevRv‡ii w¯’wZkxjZv iÿv I FY wbqš¿‡Yi mv‡_ mswkøó| Rbve K. B‡jKUªwbK e¨vswKs Kx? 1
Kwig Y e¨vs‡Ki wmwbqi Awdmvi c‡` †hvM`vb K‡i, †hwU cÖavbZ RbM‡Yi L. ¯^qswµq wbKvk Ni ej‡Z Kx †evSvq? e¨vL¨v Ki| 2
KvQ †_‡K AvgvbZ MÖnY K‡i Ges cÖ‡qvR‡b FY`v‡bi gva¨‡g cÖwZôv‡bi Rb¨ M. e¨vs‡Ki †Kvb cøvw÷K Kv‡W©i Kvi‡Y mygb †KbvKvUv Ki‡Z mÿg
cÖ‡qvRbxq gybvdv AR©b wbwðZ K‡i| Kvh©vewj wfbœ n‡jI Kwi‡gi Kg©iZ nb? e¨vL¨v Ki| 3
e¨vsK‡K bvwf‡ì Kg©iZ e¨vsK‡Ki wbKU `vqe× _vK‡Z nq| N. DÏxc‡K cøvw÷K KvW© `y‡Uvi g‡a¨ †Kvb KvW©wUi my‡hvM-myweav
K. e¨vsK Kx? 1 Zzjbvg~jKfv‡e †ewk? we‡kølY Ki| 4
L. e¨vsK‡K A_© I F‡Yi eëmvqx ejv nq †Kb? eywS‡q †jL| 2 9  wg. kv‡n` Zvi evevi mv‡_ GKB evwo‡Z _v‡Kb| evwowU kv‡n‡ì evevi
M. Kvh©vewji wfwË‡Z Rbve bvwf‡ì Kg©iZ e¨vsK‡Ki wbKU `vqe× bv‡g| f‚wgK¤ú n‡j evwowU ÿwZMÖ¯Í n‡Z cv‡i GB K_v wPšÍv K‡i wg.
_vKvi †hŠw³KZv we‡kølY Ki| 3 kv‡n` wegv Ki‡Z †M‡j wegv †Kv¤úvwb evwowU wegv Ki‡Z A¯^xK…wZ Rvbvq|
N. Kwi‡gi Kg©iZ e¨vsK‡K bvwf‡ì Kg©iZ e¨vsK‡Ki wbKU `vqe× ZLb wg. kv‡n‡ì evev evwowU wb‡RB wegv K‡ib| Zvici wg. kv‡n` wegv
_vKvi †hŠw³Zv we‡kølY Ki| 4 †Kv¤úvwb‡K bv Rvwb‡q evwoi wØZxq Zjvq KvR ïiæ K‡ib| wØZxq Zjvi
4  wg. bvwmi GKRb ÿz`ª eëmvqx Zvi e¨vsK wnmv‡e 1,50,000 UvKv Rgv KvR †kl nIqvi ciciB evwowU GK cv‡k †n‡j †M‡Q| wg. kv‡n‡ì evev
Av‡Q| 15 RyjvB mKvj 10Uvq wZwb 50,000 UvKv D‡Ëvjb K‡ib Ges wegv`vwe Ki‡j wegv †Kv¤úvwb `vwe c~i‡Y A¯^xK…wZ Rvbvq|
`ycyi 12Uvq 75,000 UvKv Rgv †`b| `ycyi 2Uvq wg. †PŠayix‡K 10,000 K. wegv Kx? 1
UvKvi GKwU †PK cÖ`vb K‡ib| wg. bvwmi Zvi mKj Avw_©K †jb‡`b e¨vsK L. wegv‡hvM¨ ¯^v_© ej‡Z Kx †evSvq? 2
wnmv‡ei gva¨‡g m¤úv`b K‡ib| M. †Kvb bxwZi Rb¨ wg. kv‡n‡ì cÖ¯Ív‡e wegv †Kv¤úvwb m¤§Z nqwb?
K. e¨vsK wnmve Kx? 1 e¨vL¨v Ki| 3
L. e¨vsK wnmve †Kb †Lvjv nq? 2 N. DÏxc‡Ki Av‡jv‡K kv‡n‡ì evev wK wegv`vwe cvIqvi †hvM¨? KviY
M. wg. bvwmi †Kvb ai‡bi wnmve cwiPvjbv K‡i‡Qb? e¨vL¨v Ki| 3 we‡kølY Ki| 4
N. GKRb eëmvqx wn‡m‡e wg. bvwmi D³ wnmv‡ei gva¨‡g Kx myweav 10  wgm Zvmbyfv Zvi e¨w³MZ Mvwoi Rb¨ 30 jÿ UvKvi wegv K‡ib| `yN©Ubvq
jvf Ki‡Z cv‡i? e¨vL¨v Ki| 4
MvwowU m¤ú~Y© ÿwZMÖ¯Í nq| wgm Zvmbyfv wegv`vwe †ck Kivi wKQyw`‡bi g‡a¨
5  Rbve Zvbfxi Avn‡g` GKRb eëmvqx| Zvi HL e¨vs‡K GKwU mÂqx
wegv cÖwZôvbwU `vweK…Z ÿwZc~iY cÖ`vb K‡i| Gw`‡K ÿwZMÖ¯Í MvwowU Kzwgjøvi
wnmve Av‡Q| wZwb GB wnmvewU Zvi eëmvwqK †jb‡`‡b eënvi Ki‡Z
GKRb eëmvqx wek nvRvi UvKvq wK‡bb| Mvwo weµq †_‡K cÖvc¨ A_© wgm
cvi‡eb wKbv G wel‡q e¨vsK eë¯’vc‡Ki civgk© PvB‡j eë¯’vcK Zv‡K
Ab¨ GKwU e¨vsK wnmve †Lvjvi civgk© †`b| Zvmbyfv `vwe Ki‡j wegv cÖwZôvbwU D³ UvKv w`‡Z A¯^xK…wZ Rvbvq|
K. e¨vsK wnmve Kx? 1 K. wegv‡hvM¨ ¯^v_© Kx? 1
L. GKRb Qv‡Îi Rb¨ †Kvb ai‡bi wnmve Dc‡hvMx? e¨vL¨v Ki| 2 L. wbqš¿Y A‡hvM¨ SzuwK ej‡Z Kx †evSvq? 2
M. Rbve Zvbfxi Avn‡g‡ì mÂqx wnmvewU †Kb eëmvwqK †jb‡`‡bi M. DÏxc‡Ki wgm Zvmbyfv †Kvb bxwZi AvIZvq wegv cÖwZôv‡bi KvQ
Dchy³ bq? e¨vL¨v Ki| 3 †_‡K A_© jvf K‡i‡Qb? e¨vL¨v Ki| 3
N. DÏxc‡Ki eë¯’vcK Rbve Zvbfxi Avn‡g`‡K †h wnmve Lyj‡Z N. wegv cÖwZôvb KZ…©K wgm Zvmbyfvi me©‡kl `vwe c~iY bv Kivi
civgk© w`‡q‡Qb Zvi †hŠw³KZv we‡kølY Ki| 4 †hŠw³KZv we‡kølY Ki| 4
6  Rbve RvIqv` GKwU `k Zjvwewkó fe‡bi gvwjK| wZwb Zvi fvovwUqv‡ì 11  Rbve iæûj 15 eQ‡ii Rb¨ 5 jÿ UvKvi GKwU Rxeb wegvPzw³ m¤úv`b
wbKU †_‡K bM‡` ev †P‡Ki gva¨‡g gvwmK fvov MÖnY K‡ib| 2022 mv‡ji Ryb K‡i| 5 (cuvP) eQi wcÖwgqvg cwi‡kv‡ai ci Avw_©K Amvg‡_©ï Kvi‡Y Zvi
gv‡mi fvov eve` wZwb cuvPRb fvovwUqvi wbKU †_‡K †gvU 90,000 UvKvi wegvcÎwU Pvwj‡q hvIqv m¤¢e bq e‡j wegv †Kv¤úvwb‡K Rvbvq Ges
†mvbvjx e¨vsK wj. g‡bvnicyi kvLvq cuvPwU †PK cvb| Rbve RvIqv‡ìI wcÖwgqvg Av`v‡qi Rb¨ Av‡e`b K‡i|
†mvbvjx e¨vsK wj. g‡bvnicyi kvLvq GKwU e¨vsK wnmve Av‡Q| cÖvß †PK K. cybwe©gv Kx? 1
cuvPwU‡Z ÔRbve RvIqv`‡K A_ev evnK‡KÕ K_vwU †jLv wQj| wZwb †PK cuvPwUi L. Rxeb wegv‡K wbðqZvi Pzw³ ejv nq †Kb? e¨vL¨v Ki| 2
evg †KvYvq `ywU K‡i †iLv †U‡b w`‡q †mvbvjx e¨vs‡K Rgv `v‡bi Rb¨ Zvi M. Rbve iæûj †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb? e¨vL¨v Ki| 3
GKwU wbKUvÍx‡qi wbKU n¯ÍvšÍi K‡ib| D³ AvÍxq e¨vs‡K †PK cuvPwU Rgv w`‡q N. DÏxc‡Ki Rbve iæûj wegv †Kv¤úvwbi wbKU wcÖwgqvg †diZ cvIqvi
bM` A_© `vwe Ki‡j e¨vsK KZ…©cÿ Zvi `vwe cÖZ¨vL¨vb K‡ib| AwaKvix n‡eb wK? we‡kølY Ki| 4
41 miKvwi nvRx gynv¤§` gnwmb K‡jR, PÆMÖvg welq †KvW : 2 9 3

1  Rbve knx` GKRb eëmvqx| Zv‡K cÖwZwbqZB e¨vs‡Ki mv‡_ †jb‡`‡b 6  Rbve gwR`‡K e¨vsK GKwU Pz¤^Kxq cøvw÷K KvW© mieivn K‡i‡Q| GB KvW©
RwoZ _vK‡Z nq| GQvov GB wnmv‡e wZwb wKQy myweavI cv‡eb| ZvB wZwb w`‡q ATM †_‡K UvKv D‡Ëvjb I †`vKvb †_‡K µq Ki‡Z cv‡ib| Z‡e
wbw`©ó GKwU wnmve Lyj‡Z AvMÖnx| wZwb G e¨vcv‡i e¨vs‡K †hvMv‡hvM Ki‡j Zvi wnmv‡e UvKv bv _vK‡j GB KvW©wU eënvi Ki‡Z cv‡ib bv| Rbve
e¨vsK Zv‡K wKQy AvbyôvwbKZv m¤úv`b Ki‡Z ej‡jb| gwR‡ì cÖwZôv‡bi †µZviv wewfbœ e¨vs‡Ki †PK †`q| GLb `vMKvUv †PK
K. e¨vsK wnmve Kx? 1 bv n‡j wZwb cv‡ki kvLv †_‡KB UvKv DVv‡Z cv‡ib|
L. GKRb PvKwiRxexi Rb¨ †Kvb wnmve DËg Ges †Kb? 2 K. AbjvBb e¨vswKs Kx? 1
M. Rbve knx` e¨vs‡K †Kvb ai‡bi wnmve Lyj‡Z AvMÖnx? e¨vL¨v Ki| 3 L. †gvevBj e¨vswKs †Kb RbwcÖq? 2
N. Rbve knx‡ì wnmve †Lvjvi AvbyôvwbKZv m¤ú‡K© gšÍe¨ Ki| 4 M. Rbve gwR`‡K e¨vsK †Kvb ai‡bi KvW© w`‡q‡Q? e¨vL¨v Ki| 3
2  Rbve ivnvZ GKRb cvIbv`vi, wZwb kvcjv wj. Gi KvQ †_‡K cvIbv UvKvi N. †P‡Ki A_© msMÖ‡ni Rb¨ Rbve gwR` B‡jKUªwbK e¨vswKs Gi †h
Rb¨ GKwU †PK cÖvß nb| wZwb †PKwU e¨vs‡K Dc¯’vcb Ki‡j e¨vsK Zv‡K Dcvq eënvi K‡i‡Qb Zvi ¸iæZ¡ g~j¨vqb Ki| 4
†PKUv Zvi wnmv‡e Rgv w`‡Z e‡j| wZwb wkgyj wj. Gi KvQ †_‡K AviI GKwU 7  Rbve ï°zi 15 eQi †gqvw` GKwU Rxeb wegv K‡i‡Qb| wKšÍy wZb wKw¯Í
†PK cÖvß nb| †PKwU‡Z Zvi bv‡gi cv‡k ÒA_ev Av‡`kbymv‡iÓ †jLv wQj| wcÖwgqvg cwi‡kva Kivi ci Zvi c‡ÿ Avi wegv cwjwm Pvwj‡q †bIqv m¤¢e
K. †P‡Ki Agh©v`v Kx? 1 n‡”Q bv| ZvB wZwb wegv †Kv¤úvwbi wbKU cÖ‡qvRbxq `vwe `vIqvi Rb¨
L. †P‡Ki Aby‡gv`b ej‡Z Kx †evS? 2 Av‡e`b K‡ib| Avevi wg. Gbvg mšÍvb‡ì bwgwb K‡i Ggb GKwU Rxeb
wegv cwjwm K‡i‡Qb †hLv‡b Zv‡K Avg„Zz¨ wcÖwgqvg cwi‡kva Ki‡Z n‡e|
M. DÏxc‡K wkgyj wj. Gi wbKU n‡Z cÖvß †PKwU †Kvb ai‡bi †PK
K. wkÿv e„wË wegv Kx? 1
wQj? e¨vL¨v Ki| 3
L. †Kvb wegvq ¯’jvwfwl³Zvi bxwZ cÖ‡hvR¨ bq Ges †Kb? 2
N. Òwkgyj wj. Gi †PKwU A‡cÿv kvcjv wj. Gi †PKwU AwaK M. Rbve ï°zi eZ©gvb Ae¯’vq Zvi cwjwm †_‡K †Kv‡bv Avw_©K myweav
wbivc`Ó e³e¨wUi h_v_©Zv we‡kølY Ki| 4 cv‡eb wK? e¨vL¨v Ki| 3
3  eZ©gv‡b gy`ªvùxwZ †`Lv w`‡q‡Q| Avevi eb¨vi Kvi‡Y dm‡jiI A‡bK ÿwZ N. Òwg. Gbvg KZ…©K µqK…Z wegv cwjwm ïay bwgwb‡ì ¯^v_©iÿv
n‡q‡Q| ZvB †K›`ªxq e¨vsK 5% nv‡i †mB F‡Yi 10% K…wl F‡Yi Rb¨ K‡i|Ó hyw³mn we‡kølY Ki| 4
mKj evwYwR¨K e¨vs‡K wb‡`©k w`‡q‡Qb| Aciw`‡K evRv‡i gy`ªv ms‡KvP‡bi 8  wg. bqb RvnvR †Kv¤úvwbi gvwjK| wZwb SoSÅv n‡Z Zvi Rvnv‡Ri
Rb¨ †K›`ªxq e¨vsK †LvjvevRvi bxwZ eënv‡ii wm×všÍ wb‡q‡Q| wbivcËvi Rb¨ Gwe BÝy¨‡i‡Ýi mv‡_ GKwU wegv K‡ib| GRb¨ wZwb wegv
K. wbKvk Ni Kx? 1 †Kv¤úvwb‡K GKKvjxb AvU jÿ UvKv cÖ`vb K‡ib| cieZ©x‡Z Rbve bq‡bi
L. e¨v‡mj-2 Gi ¸iæZ¡ e¨vL¨v Ki| 2 RvnvRwU mgy‡`ª Ab¨ Rvnv‡Ri mv‡_ av°v †j‡M Povq AvU‡K †M‡j evwnZ
M. K…wl F‡Y †K›`ªxq e¨vsK †Kvb ai‡bi FY wbqš¿Y c×wZ eënvi KuvPvgvj c‡P bó n‡q hvq| wg. bqb ÿwZc~iY `vwe Ki‡Z cÖ¯‘wZ wb‡”Qb|
K‡i‡Q? e¨vL¨v Ki| 3 K. SzuwK Kx? 1
N. gy`ªv ms‡KvP‡b †K›`ªxq e¨vs‡Ki FY wbqš¿Y c×wZi Kvh©KvwiZv g~j¨vqb Ki| 4 L. Òwegv n‡jv SzuwK eÈb eë¯’vÓ e¨vL¨v Ki| 2
4 Dlv cvewjGKk´Ö M. wg. bqb wegv †Kv¤úvwb‡K Kx cÖ`vb K‡iwQ‡jb? e¨vL¨v Ki| 3
Õ¡ÅvÁ· ZvwiL : 10B Ryb 2022 N. wg. bqb ÿwZc~iY cv‡eb Kx? †Zvgvi gZvgZ Zz‡j ai| 4
50, evsjvevRvi, XvKv-1100 9  `„k¨Kí-1 : Rbve iwng Rbve iRZ‡K 50 jÿ UvKv avi w`‡q‡Qb| 2
ermi c‡i UvKv cv‡eb e‡j Rbve iwng wKQyUv wPwšÍZ, ZvB wZwb Rbve
UvKv : 50,00,000/= iR‡Zi Rb¨ Rxeb wegv Ki‡Z Pv‡”Qb|
Avwg/Avgiv ‰ gGgÆ AãxKvi KiwQ ˆh, A`Å nGZ 3 gvm cGi `„k¨Kí-2 : Rbve †mŠif `yB ai‡bi `ywU Rxeb wegv K‡i‡Qb| GLb wZwb
cÉvµ¦ gƒGjÅi wewbgGq Rbve iwReGK Aêv Zvi AvG`kKÌGg UN wgk‡b my`vb hv‡eb e‡j `yÕermi †gqvw` Avi GKwU wegv Ki‡Z
50,00,000/= (cçvk jÞ UvKv) gvò cwiGkva Kie| Pv‡”Qb| wZwb wegv Kiv Kv‡j wegv †Kv¤úvwb‡K c~‡e©i wegv cwjwmi Z_¨
Õ¼vÞi †`bwb| GLb wZwb hvÎvi 6 gvm ci gviv †M‡j Z…Zxq wegv cwjwmi UvKv
w`‡Z wegv †Kv¤úvwb A¯^xK…wZ Rvbv‡”Q|
(Rbve mybxj ˆÌqvb) K. g„Zz¨nvicwÄ Kx? 1
L. †Kvb ai‡bi wegvc‡Îi Aax‡b KviLvbvi mKj kÖwg‡Ki Rxeb wegv
wPÎ-A Kiv hvq? e¨vL¨v Ki| 2
AB eÅvsK wjwgGUW M. `„k¨Kí-1 G Rbve iwng Kx‡mi wfwË‡Z Rbve iR‡Zi Rxeb wegv Ki‡Z Pv‡”Qb? 3
PKevRvi kvLv, PëMÉvg N. `„k¨Kí-2 G Rbve †mŠif‡K ÿwZc~iY cÖ`v‡b wegv †Kv¤úvwbi
SBNO 12345 ZvwiL : 10/07/2022 A¯^xK…wZi †hŠw³KZv g~j¨vqb Ki| 4
wg. iwdK ˆK ev evnKGK UvKv 10  100 †KvwU UvKv g~‡jï Ggwf evsjvi Av‡jv RvnvRwU Rvnv‡Ri Rb¨ G GÛ
cÉ`vb Ki‚b| cçvk jÞ we BÝy¨‡i‡Ýi mv‡_ wegvPzw³ K‡i| cieZ©x‡Z G GÛ we BÝy¨‡iÝ RbZv
UvKv : 50,00,000/= BÝy¨‡i‡Ýi mv‡_ H Rvnv‡Ri Rb¨ 60 †KvwU UvKv wegv K‡i| Ggwf evsjv
wbivc` hvÎv †kl K‡i †`‡k †cuŠQv‡j Gi gvwjK 100 †KvwU UvKv wegv`vwe
ˆmvGnj ivbv Ki‡j G GÛ we wegv`vwe A¯^xKvi K‡i|
wPÎ-B K. wek¦¯ÍZv wegv Kx? 1
K. n¯ÍvšÍi‡hvM¨ F‡Yi `wjj Kx? 1 L. AvbycvwZK AskMÖnY bxwZwU D`vniYmn e¨vL¨v Ki| 2
M. G GÛ we, RbZv BÝy¨‡i‡Ýi mv‡_ †Kvb ai‡bi wegv K‡i‡Q? e¨vL¨v Ki| 3
L. ê‡`wkK evwY‡R¨ wewbgq wej ¸iæZ¡c~Y© †Kb? 2
N. G GÛ we BÝy¨‡i‡Ýi AvPiY †hŠw³K e‡j Zzwg g‡b Ki? †Zvgvi
M. wPÎ A †Z DwjøwLZ wPÎwU Kx‡mi? e¨vL¨v Ki| 3
hyw³ Zz‡j ai| 4
N. wPÎ A I wPÎ B Gi g‡a¨ cv_©K¨ wbiƒcY Ki| 4 11  nvmvb I †Zvnv `yB eÜy| wg. nvmvb wb‡Ri cwiev‡ii K_v wPšÍv K‡i GKwU
5 RbZv e¨vsK wj., hgybv e¨vsK wj. cÖf…wZ e¨vsKmg~n wbKvk Ni myweav †c‡q Rxeb wegv cwjwm MÖnY K‡ib| cwjwm Abymv‡i wZwb GKwU wbw`©ó mgq
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M. †K›`ªxq e¨vs‡Ki m¤ú‡K©i wfwË‡Z Dchy©³ e¨vsK¸‡jv †Kvb ai‡bi L. wb‡LuvR e¨w³i †ejvq wegvi A_© cvIqv hvq wK? e¨vL¨v Ki| 2
e¨vsK e¨vL¨v Ki| 3 M. DÏxc‡K wg. nvmvb †Kvb ai‡bi Rxeb wegv MÖnY K‡i‡Qb e¨vL¨v Ki| 3
N. DÏxc‡K ewY©Z e¨vsK¸‡jvi A_©‰bwZK Ae`vb eY©bv Ki| 4 N. wg. †Zvnvi M„nxZ cwjwmwU Rxeb wegvq Kx bv‡g cwiwPZ? eY©bv Ki| 4
42 miKvwi wmwU K‡jR, PÆMÖvg welq †KvW : 2 9 3

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K‡i| e¨vsKwUi GKgvÎ Kvh©vjq PÆMÖv‡gi LvZzbM‡Ä Aew¯’Z| nvDwRs n‡q‡Q? e¨vL¨v Ki| 3
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cvIqvq e¨vsKwUi mv‡_ Ab¨vb¨ e¨vs‡Ki †jbv-cvIbvi D™¢e n‡”Q| G mKj hyw³ mnKv‡i we‡kølY Ki| 4
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L. Mviwbwk AW©vi †Kb Rvwi Kiv nq? 2 Avm‡Qb| Pzw³ Abyhvqx wegv †Kv¤úvwb Zvi Rgvi Ici 5% nv‡i gybvdv
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†Zvgvi gZvgZ we‡kølY Ki| 4 K. †gqvw` wegvcÎ Kx? 1
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wmwKDwiwUR Ges wewfbœ `wjjcÎ µq Kivi wm×všÍ †bq| G‡Z FY cÖevn Zzwg g‡b Ki? †Zvgvi gZvgZ `vI| 3
wbqš¿‡Y mdjZv jvf K‡i| N. Zzwg Kx g‡b Ki wg. cjvk †Kv‡bv ai‡bi Avw_©K myweav cv‡eb?
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L. †K›`ªxq e¨vsK‡K gy`ªvevRv‡ii AwffveK ejv nq †Kb? 2 8  AkvšÍ ga¨cÖvP¨ msK‡Ui Kvi‡Y †Z‡ji g~j¨ A¯^vfvweK ev‡o| †Z‡ji
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Av‡jv‡K we‡kølY Ki| 4 GKjv‡d K‡qK¸Y †e‡o hvq|
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L. cvm eB ej‡Z Kx †evSvq? 2 we‡kølY Ki| 4
M. g¨v‡bRvi Rbve gvbœvb‡K †Kvb ai‡bi wnmve †Lvjvi civgk© 9  wg‡mm †Rvniv GKwU K‡j‡R Aa¨vcbv K‡ib| wZwb †eZb n‡Z wKQy
w`‡q‡Qb? e¨vL¨v Ki| 3 cwigvY A_© gv‡S gv‡S Zvi e¨vsK wnmv‡e iv‡Lb| K‡qK eQi ci wZwb
N. Rbve gvbœv‡bi Rb¨ D³ wnmve †Lvjv KZUv †hŠw³K n‡e? g~j¨vqb Ki| 4 e¨vsK wnmv‡e Rgv‡bv UvKv¸‡jv GK‡Î Ab¨ GKwU e¨vsK wnmv‡e AviI
4  wg. iwng GKRb eëmvqx| wZwb Zvi cvIbv`v‡ii wbKU †_‡K GKwU †PK jvfRbK Lv‡Z `xN©‡gqv‡ì wfwË‡Z ivLv hvq wKbv Zv fve‡jb| †m
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wnmv‡e Rgv ivLvi civgk© †c‡q‡Qb|
†jLv wQj| †PKwU e¨vs‡K Dc¯’vcb Ki‡j g¨v‡bRvi mv‡ne mivmwi †P‡Ki
K. bgybv ¯^vÿi Kx? 1
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L. PjwZ wnmv‡ei wecix‡Z e¨vsK my` cÖ`vb K‡i bv †Kb? 2
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L. AwMÖg †PK bM`vqb Kivi c~e©kZ© Kx? 2
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M. wg. iwng cvIbv`v‡ii wbKU †_‡K †h †PKwU †c‡qwQ‡jb †mwU wK 10  iwng, Kwi‡gi KvQ †_‡K 5 jÿ UvKvi GKwU †PK †cj| Kwig †PKwUi evg
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†`b? we‡kølY Ki| 4 e¨vsKwU Zv‡K Zvi †PKwU cÖvBg e¨vsK kvLvq Dc¯’vc‡bi civgk© w`j|
5  nvmgZ mv‡ne 12 w`‡b GKevi wm‡jU †_‡K ewikvj G‡m gvj wK‡b wb‡q K. Av‡`óv †K? 1
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ewikvj Avmvi c~‡e© wm‡j‡Ui e¨vs‡K UvKv Rgv w`‡q ewikvj G‡j Zv M. iwng Kx cÖwµqvq †P‡K UvKv D‡Ëvjb Ki‡Z cvi‡e? e¨vL¨v Ki| 3
D‡Ëvjb K‡i gvj µq K‡ib| N. DÏxc‡Ki †PKwU wK FY AvgvbZ m„wó Ki‡Z cv‡i e‡j Zzwg g‡b
K. †WweU KvW© Kx? 1 Ki? e¨vL¨v Ki| 4
L. FY myweavmsewjZ KvW©‡K Kx e‡j? e¨vL¨v Ki| 2 11  wgm Zvmwjgv Zvi e¨w³MZ Mvwoi Rb¨ wÎk jÿ UvKvi wegv K‡ib| `yN©Ubvq
M. DÏxc‡Ki Av‡jv‡K nvmgZ mv‡ne B‡jKUªwbK e¨vswKs-Gi †h gva¨g MvwowU m¤ú~Y© ÿwZMÖ¯Í nq| wgm Zvmwjgv wegv`vwe †ck Kivi wKQyw`‡bi g‡a¨
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N. wm‡jU †_‡K bM` UvKv bv G‡b ewikv‡j G‡m Zv D‡Ëvj‡bi c‡ÿ GKRb eëmvqx wek nvRvi UvKvq wK‡bb| Mvwo weµq †_‡K cÖvß A_© wgm
†hŠw³KZv e¨vL¨v Ki| 4 Zvmwjgv `vwe Ki‡j wegv cÖwZôvbwU D³ UvKv w`‡Z A¯^xK…wZ Rvbvq|
6  cv‡Ui eëmvqx iæ‡ej mv‡ne cv‡Ui ¸`vg wegv KiwQj| cv‡Ui cwigvY K. wegv‡hvM¨ ¯^v_© Kx? 1
mwVKfv‡e D‡jøL bv Kivq wegv †Kv¤úvwb Zvi wegvPzw³ evwZj K‡i‡Q| L. wbqš¿Y A‡hvM¨ SzuwK ej‡Z Kx †evSvq? 2
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K. wcÖwgqvg Kx? 1 N. wegv cÖwZôvb KZ…©K wgm Zvmwjgv me©‡kl `vwe c~iY bv Kivi
L. ¯’jvwfwl³KiY bxwZ e¨vL¨v Ki| 2 †hŠw³KZv we‡kølY K‡i| 4
43 wm‡jU miKvwi K‡jR welq †KvW : 2 9 3

K-wefvM : e¨vswKs ÔcÖvc‡Ki wnmveÕ †jLv i‡q‡Q| Rbve †ZŠwdK †PKwU cvBIwbqvi e¨vsK wj.
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ch©vß cwigvY mwÂwZ msiÿY QvovB †kqvievRv‡i AwaK SzuwKc~Y© †kqvi N. wØZxq †PKwUi UvKv `ªæZ D‡Ëvj‡bi Rb¨ Rbve †ZŠwd‡Ki GLb
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Ôevsjv‡`k e¨vsKÕ e¨vsKwUi weiæ‡× K‡Vvi eë¯’v MÖn‡Yi wm×všÍ wb‡q‡Q| 7  Rbve kvnxb Zvi e¨vsKcÖ`Ë we‡kl Pz¤^Kxq KvW© eënvi K‡i †h‡Kv‡bv mgq
K. e¨vswKs Kx? 1 Zvi wnmv‡e RgvK…Z A_© D‡Ëvjb Ki‡Z cv‡ib| Aciw`‡K Rbve iweb
L. Òe¨vsK avi Kiv A‡_©i aviKÓ e¨vL¨v Ki| 2 e¨vsKcÖ`Ë GKB cÖK…wZi KvW© eënvi K‡i Zvi wnmv‡e ch©vß cwigvY UvKv
M. DÏxc‡K Ômyigv e¨vsK wj.Õ msMVb KvVv‡gvi wfwË‡Z †Kvb ai‡bi bv _vK‡jI hveZxq †KbvKvUv Ges wej cwi‡kva Ki‡Z cv‡ib, hv wZwb
e¨vsK? e¨vL¨v Ki| 3 cieZ©x‡Z my`mn e¨vsK‡K cwi‡kva K‡ib|
N. DÏxc‡K DwjøwLZ Ômyigv e¨vsK wj.Õ Gi weiæ‡× Ôevsjv‡`k e¨vsKÕ K. SWIFT Kx? 1
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2  Avw_©Kfv‡e kw³kvjx Ôw` mvb e¨vsK wj.Õ A‡cÿvK…Z `~e©j `ywU evwYwR¨K M. DÏxc‡K Rbve kvnx‡bi eën„Z Kv‡W©i bvg Kx? e¨vL¨v Ki| 3
e¨vsK Ôw` gyb e¨vsK wj.Õ I Ôw` †fbvm e¨vsK wj.Õ Gi AwaKvsk †kqvi N. DÏxc‡K DwjøwLZ KvW© `ywUi g‡a¨ †KvbwU DËg? hyw³mn †Zvgvi
µ‡qi gva¨‡g Zv‡ì wbqš¿Yfvi MÖn‡Yi cÖ¯Íve K‡i| wKš‘ Ôw` gyb e¨vsK gZvgZ e¨vL¨v Ki| 4
wj.Õ Ges Ôw` †fbvm e¨vsK wj.Õ †m cÖ¯Íve cÖZ¨vL¨vb K‡i| e¨vsK `ywU L-wefvM : wegv
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Gi cÖ`Ë cÖ¯Íve cÖZ¨vq‡bi †hŠw³KZv g~j¨vqb Ki| 4 K. SzuwK Kx? 1
3  †`‡ki µgea©gvb gy`ªvùxwZ wbqš¿‡Yi Rb¨ †K›`ªxq e¨vsK Zvi m`m¨ L. wegvPzw³ ej‡Z Kx †evSvq? 2
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A_© D‡Ëvjb K‡i miKvwi eÛ I wmwKDwiwUR µq Kiv ïiæ K‡i| Kivq †hŠw³KZv g~j¨vqb Ki| 4
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N. †K›`ªxq e¨vs‡Ki cieZ©x M„nxZ c`‡ÿ‡ci †hŠw³KZv g~j¨vqb Ki| 4 Ki‡Z Mwogwk Ki‡j wZwb Ab¨ GKUv KZ…©c‡ÿi wbKU Awf‡hvM K‡ib|
4  ÔKÕ e¨vsK wj. †P‡Ki gva¨‡g ÔLÕ e¨vsK wj. Gi wbKU 10 jÿ UvKv cvIbv nq| G‡Z `ªæZB †Kv¤úvwb ÿwZc~iY Ki‡Z eva¨ nq|
ÔLÕ e¨vsK wj. Avevi Av‡iKwU †P‡Ki gva¨‡g ÔMÕ e¨vsK wj. Gi wbKU 15 jÿ K. wegv Kx? 1
UvKv cvIbv nq| ÔMÕ e¨vsK wj. ÔLÕ e¨vs‡Ki wbKU 5 jÿ UvKv cvIbv nq| L. wegv‡K ÿwZc~i‡Yi Pzw³ ejv nq †Kb? e¨vL¨v Ki| 2
cvi¯úwiK cvIbv wb®úwË wb‡q Zv‡ì fvebv †bB| e¨vs‡Ki cÖwZwbwaiv Av‡iKwU M. DÏxc‡K wg. †PŠayix †h mKj SzuwKi Rb¨ wegv K‡i‡Qb wegvi
e¨vs‡Ki mnvqZvq GK‡Î e‡m †jb‡`b wb®úwË K‡i‡Q| mnvqZvKvix e¨vsKwU ïay `„wó‡KvY †_‡K Zv †Kvb ai‡bi? e¨vL¨v Ki| 3
D³ e¨vsK¸‡jvi wnmve †WweU-†µwWU K‡iB Gi wb®úwË Ki‡Z mg_© n‡q‡Q| N. Òwegv Dbœqb I wbqš¿Y KZ…©c‡ÿi mnvqZvq wg. †PŠayix `ªæZ ÿwZc~iY
K. wewnZ gy`ªv Kx? 1 †c‡q‡QbÓ Dw³wUi Zvrch© DÏxc‡Ki Av‡jv‡K we‡kølY Ki| 4
L. KYC †Kb cÖ‡qvRb? e¨vL¨v Ki| 2 10  wg. †PŠayix GKwU †emiKvwi cÖwZôv‡b PvKwi K‡ib| Zvi g„Zzï ci ¯¿x mšÍv‡bi
M. DÏxc‡Ki e¨vsK¸‡jv †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 fwel¨‡Zi K_v †f‡e eÜyi civg‡k© wbw`©ó mgq ch©šÍ wcÖwgqvg cÖ`vbmv‡c‡ÿ
N. Òwb®úwËKvix e¨vsKwU ïay e¨vsK¸‡jvi wnmve †WweU-†µwWU K‡iB GKwU wegv cwjwm MÖnY K‡ib| 5 eQi cwjwm Pvjv‡bvi ci wZwb cwjwm
†jb‡`b wb®úwË Ki‡Z mg_© n‡q‡Q|Ó e³‡eï h_v_©Zv DÏxc‡Ki Pvjv‡Z AcviMZv †cvlY Ki‡j wegv †Kv¤úvwb Zv‡K wKQy UvKv †diZ †`q|
Av‡jv‡K we‡kølY Ki| 4 K. wcÖwgqvg Kx? 1
5  mdUIq¨vi ißvwbKviK wg‡mm wRwbqv ingv‡bi e¨vsK wnmv‡e w¯’wZi cwigvY L. cybwe©gv ej‡Z Kx †evS? e¨vL¨v Ki| 2
10 jÿ UvKv, eëmv‡qi cÖ‡qvR‡b wZwb e¨vsK eë¯’vc‡Ki mv‡_ Av‡jvPbv M. DÏxc‡K wg. †PŠayix †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb? e¨vL¨v Ki| 3
K‡i c‡b‡iv jÿ UvKv Zvi wnmve †_‡K D‡Ëvjb K‡ib| cieZ©x‡Z eëmv‡qi N. wegv †Kv¤úvwb wg. †PŠayix‡K †h UvKv †diZ †`q Zv‡K Kx e‡j? Gi
jv‡fi 20 jÿ UvKv `xN©‡gqv‡` GKB wnmv‡e Rgv w`‡Z †M‡j e¨vsK h_v_©Zv g~j¨vqb Ki| 4
eë¯’vcK Zv‡K c„_K Av‡iKwU wnmve †Lvjvi civgk© †`b| 11  wg. wgbnvR evsjv‡`k †mbvevwnbxi GKRb m`m¨| RvwZmsN wgk‡b
K. e¨vs‡Ki cvm eB Kx? 1 kvwšÍiÿx wn‡m‡e wZwb `wÿY my`vb hv‡”Qb| hvIqvi c~‡e© wZwb wb‡Ri Rxeb
L. GKRb PvKwiRxexi Rb¨ †Kvb ai‡bi wnmve Dchy³? e¨vL¨v Ki| 2 wegv K‡i‡Qb| GK eQi ci wd‡i G‡m wegvPzw³ bevqb K‡i‡Qb| G‡ÿ‡Î
M. DÏxc‡K wg‡mm wRwbqv ingvb †Kvb ai‡bi wnmve cwiPvjbv wcÖwgqv‡gi nviI Kg| A_P Zvi eÜy kIKZ‡K cÖwZ wZb gvm ci ci wKw¯Í
Ki‡Qb? e¨vL¨v Ki| 3 cwi‡kva Ki‡Z nq Ges GKUv mgq ch©šÍ Zv w`‡q †L‡ZB n‡e| †mLv‡b
N. e¨vsK eë¯’vcK KZ…©K wRwbqv ingvb‡K bZzb e¨vsK wnmve †Lvjvi wcÖwgqv‡gi nvi h‡_ó †ewk|
civg‡k©i †hŠw³KZv g~j¨vqb Ki| 4 K. evwl©K e„wË Kx? 1
6  Rbve †ZŠwdK wm‡j‡Ui gxivevRv‡i Avmevec‡Îi eëmvq K‡ib| wZwb L. g„Zz¨nvicwÄ ej‡Z Kx †evSvq? 2
mKvj 11Uvq Av‡bvqvi †nv‡mb bv‡g GK e¨w³i KvQ †_‡K cY¨ weµq eve` M. DÏxc‡K wg. wgbnvR †Kvb ai‡bi wegvcÎ Ly‡j‡Qb? e¨vL¨v Ki| 3
1 jÿ UvKvi `ywU `vMKvUv †PK MÖnY K‡ib| GKwU †P‡K `v‡Mi Af¨šÍ‡i N. Rbve kIK‡Zi M„nxZ wegvc‡Îi †hŠw³KZv g~j¨vqb Ki| 4
44 ewikvj miKvwi gwnjv K‡jR welq †KvW : 2 9 3

1  †gNbv e¨vsK wjwg‡UW `xN©w`b a‡i MÖvnK‡ì †mev w`‡q Avm‡Q| e¨vsKwU K. †gvevBj e¨vswKs Kx? 1
MÖvnK‡ì c‡ÿ A_© Av`vq I cwi‡kva Ki‡Q, †kqvi †Kbv‡ePv Ki‡Q L. ¯^qswµq wbKvk Ni ej‡Z Kx †evSvq? e¨vL¨v Ki| 2
BZ¨vw`, d‡j e¨vsKwU RbM‡Yi Av¯’v AR©b Ki‡Z mÿg n‡q‡Q| m¤úÖwZ M. el©v †h c×wZ‡Z Zvi evev‡K UvKv cvVv‡jb, Zv e¨vL¨v Ki| 3
Ô†K›`ªxq e¨vs‡KiÕ ch©‡eÿ‡Y †`Lv †M‡Q †h, e¨vsKwU h_vh_ A_© mwÂwZ N. DÏxc‡Ki el©vi cvVv‡bv UvKv wg. ingvb Kxfv‡e e¨vsK †_‡K
Znwe‡j msiÿY bv K‡i †kqvievRv‡i AwaK SzuwKc~Y© †kqv‡i wewb‡qvM D‡Ëvjb Ki‡eb? e¨vL¨v Ki| 4
Ki‡Q| Avevi AwaK SzuwKc~Y© Lv‡ZI FY w`‡”Q| AvšÍR©vwZK Pzw³ Abyhvqx 7  wg. wKsKi †PŠayix Zvi fv‡Mœ A¼zk‡K cuvPwU †gvevBj wmg µ‡qi Rb¨ LiP
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K. e¨vswKs Kx? 1 UvKvi GKwU, `k UvKvi `ywU, cuvP UvKvi `ywU Ges GK UvKvi cuvPwU †bvU
L. AvaywbK e¨vsK eë¯’vi c~e©m~wi Kviv? 2 i‡q‡Q| A¼zk AviI jÿ Kij †h, GK UvKvi †bv‡U A_© mwP‡ei Ges evwK
M. DÏxc‡K DwjøwLZ †gNbv e¨vsK wjwg‡UW †Kvb ai‡bi Kvh©vewj me †bv‡U evsjv‡`k e¨vs‡Ki Mfb©‡ii ¯^vÿi i‡q‡Q|
m¤úv`b K‡i‡Q e‡j Zzwg g‡b Ki? e¨vL¨v Ki| 3 K. Kjgvwb †iU Kx? 1
N. DÏxc‡K DwjøwLZ †gNbv e¨vsK wjwg‡U‡Wi weiæ‡× Ô†K›`ªxq e¨vs‡KiÕ L. Ò†K›`ªxq e¨vsK gy`ªvevRv‡ii AwffveKÓ e¨vL¨v Ki| 2
K‡Vvi eë¯’v †bIqvi wm×v‡šÍi †hŠw³KZv we‡kølY Ki| 4 M. DÏxc‡K DwjøwLZ A¼z‡ki nv‡Z cuvPkZ UvKvi †bvUwU †Kvb ai‡bi
2  m¤úÖwZ evwYwR¨K e¨vsK¸‡jv wewfbœ Lv‡Z AwZwi³ FY cÖ`vb Kivq †`‡k
†bvU? Av‡jvPbv Ki| 3
gy`ªvùxwZ †`Lv w`‡q‡Q, hvi d‡j `ªe¨g~j¨ e„w× cv‡”Q| evsjv‡`k e¨vsK †`‡ki
N. DÏxc‡Ki Av‡jv‡K miKvwi †bvU I e¨vsK †bv‡Ui c„_K Aw¯ÍZ¡
gy`ªvevRvi wbqš¿Y K‡i| evsjv‡`k e¨vsK evRv‡i wewfbœ ai‡bi miKvwi eÛ
_vKvi cÖ‡qvRbxqZv we‡kølY Ki| 4
AvKl©Yxq k‡Z© weµq K‡i ZeyI gy`ªvùxwZ wbqš¿‡Y bv Avmvq ZvwjKvfz³
8  wg. Avnv` wdb¨vÝ wel‡qi GKRb cÖfvlK| wZwb Zvi Kg©¯’j ivRkvnx‡Z
e¨vs‡Ki CRR Gi cwigvY 5.5% †_‡K evwo‡q 6.5% Kivq Zv wbqš¿‡Y Av‡m|
'A' e¨vs‡K GKwU wnmve †Lv‡jb| †`‡ki wewfbœ RvqMvq GB e¨vsKwU †`L‡Z
K. wewnZ gy`ªv Kx? 1
cvIqv hvq| wg. Avnv‡ì eÜy wg. Lvb XvKv kn‡ii GKRb ¯‹zj wkÿK|
L. F‡Yi †kl AvkÖq¯’j †Kvb e¨vsK‡K ejv nq Ges †Kb? 2
M. gy`ªvùxwZ wbqš¿‡Y evsjv‡`k e¨vsK cÖ_g †Kvb bxwZ MÖnY K‡i? wZwb Zvi Kg©¯’‡ji cv‡k Aew¯’Z 'P' e¨vs‡K GKwU wnmve †Lv‡jb| 'P'
DÏxc‡Ki Av‡jv‡K e¨vL¨v Ki| 3 e¨vs‡Ki mKj Kvh©µg H Awdm †_‡K cwiPvwjZ nq| GKw`b Zviv `yB eÜy
N. DÏxc‡K DwjøwLZ gy`ªvùxwZ wbqš¿‡Y evsjv‡`k e¨vs‡Ki M„nxZ bxwZ åg‡Y hvIqvi wm×všÍ wb‡jb| hvIqvi mgq Zviv h‡_ó UvKv I †PKeB m‡½
MÖn‡Yi †hŠw³KZv e¨vL¨v Ki| 4 wb‡jb, Rvdjs G †cuŠQv‡bvi ci nVvr Zv‡ì UvKvi NvUwZ N‡U| Zviv
3  K¨vgweªqvb K‡j‡Ri wkÿK‡ì gvwmK †eZ‡bi 10% cÖwZ gv‡m K‡j‡Ri Df‡qB Zv‡ì †PK Bmy¨ K‡i UvKv msMÖ‡ni †Póv K‡ib, wg. Avnv` †P‡Ki
wbR wbR wnmv‡e Rgv iv‡Lb, hv Zviv PvKwi †_‡K Ae¨vnwZi c~‡e© D‡Ëvjb gva¨‡g UvKv msMÖn Ki‡Z cvi‡jI wg. Lvb e¨_© nb|
Ki‡Z cvi‡eb bv| PvKwi n‡Z Aem‡ii ci GKKvjxb eo A‡¼i A_© K. Zvij¨ Kx? 1
†diZ cv‡eb| Ab¨w`‡K D³ cÖwZôv‡bi wkÿK-Kg©Pvix‡ì Kj¨vY L. e¨v‡mj-2 ej‡Z Kx †evS? 2
Znwe‡ji 2 †KvwU UvKv wbw`©ó mg‡qi Rb¨ Ggb GKwU wnmv‡e A_© Rgv M. DÏxc‡K wg. Lvb †Kvb ai‡bi e¨vs‡K wnmve †Lv‡jb? e¨vL¨v Ki| 3
iv‡Lb †hLvb †_‡K †ewk Avq cvIqv hv‡e| N. DÏxc‡Ki Av‡jv‡K wg. Avnv‡ì c‡ÿ †P‡Ki gva¨‡g UvKv msMÖ‡ni
K. e¨vsK cvm eB Kx? 1 †hŠw³KZv we‡kølY Ki| 4
L. e¨vsK wnmv‡e †MvcbxqZv iÿvi cÖ‡qvRb c‡o †Kb? 2 9  Rbve AvgRv` Zvi d¨v±wii Rb¨ `yBwU wegv †Kv¤úvwb ABC I XYZ Gi
M. DÏxc‡K 2 †KvwU UvKv †Kvb ai‡bi wnmv‡e Rgv ivLv n‡q‡Q? e¨vL¨v Ki| 3 mv‡_ wegvPzw³‡Z Ave× nb| `yN©Ubvq Zvi d¨v±wii 1 jÿ UvKv ÿwZ nq|
N. fwel¨‡Zi Aej¤^b wn‡m‡e wkÿK-Kg©Pvix‡ì wnmvewUi h_v_©Zv Pzw³ Abyhvqx Dfq wegv †Kv¤úvwb mgvbfv‡e ÿwZc~iY K‡i †`q| cieZ©x‡Z
g~j¨vqb Ki| 4 wZwb ÿwZMÖ¯Í m¤úwËwU 20 nvRvi UvKvq weµq K‡ib Ges LeiwU ï‡b
4  wg. †PŠayix GKRb eëmvqx| wZwb Zvi cvIbv`v‡ii wbKU n‡Z 50,000 Dfq wegv †Kv¤úvwb weµqK…Z A_© `vwe K‡ib|
UvKvi GKwU †PK cvb| †PKwUi Dcwifv‡M evg †Kv‡Y Aw¼Z AvovAvwo `ywU K. cÖZ¨ÿ Kvi‡Yi bxwZ Kx? 1
mgvšÍivj †iLvi gvSLv‡b Òn¯ÍvšÍi‡hvM¨ b‡nÓ K_vwU wjLv wQj| †PKwU L. wegv‡K †Kb ÿwZc~i‡Yi Pzw³ ejv nq? e¨vL¨v Ki| 2
h_vmg‡q e¨vs‡K Dc¯’vcb Ki‡j e¨vsK KZ…©cÿ mivmwi †P‡Ki UvKv w`‡Z M. wegv eëmv‡qi †Kvb bxwZ Abymv‡i Dfq wegv †Kv¤úvwb Rbve
AcviMZv cÖKvk K‡ib| Z‡e UvKv D‡Ëvj‡b e¨vsK KZ…©cÿ wg. †PŠayix‡K AvgRv`‡K ÿwZc~iY K‡i? we‡kølY Ki| 3
GKwU mnR Dcvq e‡j †`b| N. Dfq wegv †Kv¤úvwbi ÿwZMÖ¯Í m¤úwËi weµqK…Z A_© `vwe Kivi
K. e¨vsK WªvdU Kx? 1 †hŠw³KZv g~j¨vqb Ki| 4
L. cÖwgmwi †bvU ej‡Z Kx †evS? 2 10  Rbve Avnmvb Zvi e¨w³MZ Mvwoi Rb¨ wek jÿ UvKvi GKwU wegv K‡ib|
M. wg. †PŠayix cvIbv`v‡ii wbKU n‡Z †h †PKwU †c‡qwQ‡jb †mwU †Kvb GKwU `yN©Ubvq MvwowU m¤ú~Y© ÿwZMÖ¯Í nq| Rbve Avnmvb wegv`vwe †ck
ai‡bi †PK? eY©bv Ki| 3 Ki‡j, wegv cÖwZôvb m¤ú~Y© ÿwZc~iY cÖ`vb K‡i| Gw`‡K ÿwZMÖ¯Í MvwowU
N. e¨vsK KZ…©cÿ wg. †PŠayix‡K UvKv D‡Ëvj‡bi Rb¨ Kx mnR Dcvq GKRb eëmvqx wÎk nvRvi UvKvq wK‡b †bq| Rbve Avnmvb Mvwo wewµi
e‡j †`b? we‡kølY Ki| 4 UvKv `vwe Ki‡j wegv cÖwZôvb Zv‡K D³ UvKv w`‡Z A¯^xK…wZ Rvbvq|
5  Rbve nv‡mg I Rbve †g‡n`x Nwbô eÜy Ges Zviv `yRbB eëmvqx| nVvr Zv‡ì K. evRvi SzuwK Kx? 1
eëmv‡qi Rb¨ A‡_©i cÖ‡qvRb †`Lv †`q| A_© msMÖ‡ni D‡Ï‡k¨ `yRb GKgZ L. wegv‡K P‚ovšÍ mwØk¦v‡mi Pzw³ ejv nq †Kb? 2
nq| Rbve nv‡mg wZbgvm †gqvw` GKwU wej cÖ¯ÍyZ K‡i ¯^xK…wZi D‡Ï‡k¨ Rbve M. DÏxc‡Ki Rbve Avnmvb †Kvb bxwZi AvIZvq wegv cÖwZôvb †_‡K
†g‡n`xi wbKU cvVvq| h_vwbq‡g wejwU e¨vsK †_‡K evÆv K‡i wb‡Riv A_© fvM A_© jvf K‡i‡Qb? e¨vLv Ki| 3
K‡i †bq| †gqv`c~wZ©‡Z Dc¯’vwcZ wejwU cwi‡kvwaZ nq| N. wegv cÖwZôvb Rbve Avnmv‡bi me©‡kl `vwe c~iY bv Kivi †hŠw³KZv
K. †PK Kx? 1 we‡kølY Ki| 4
L. †P‡Ki Aby‡gv`b †Kb cÖ‡qvRb nq? 2 11  Rbve mv¾v` GKRb PvKwiRxex| Zvi Avq Lye mxwgZ| wZwb GKwU Rxeb
M. DÏxc‡K DwjøwLZ wejwU †Kvb ai‡bi wej? e¨vL¨v Ki| 3 wegv cwjwm MÖnY Ki‡Z B”QzK hvi wcÖwgqv‡gi cwigvY n‡e Kg| G Ae¯’vq
N. eëmvq-evwY‡Rï mvgwqK cÖ‡qvRb wgUv‡Z G ai‡bi we‡ji GKRb wegv Kg©xi civgk© Abyhvqx ¯^í wcÖwgqv‡gi 10 eQi †gqvw` GKwU
†hŠw³KZv DÏxc‡Ki Av‡jv‡K e¨vL¨v Ki| 4 wegvcÎ MÖnY K‡ib| G wegvq 10 eQi c~Y© n‡jB wegvK…Z A_© cv‡eb| 10
6  wg. ingvb GKRb cy‡iv‡bv w`‡bi gvbyl| Zvi †g‡q el©v XvKvq †ek fv‡jv eQ‡ii g‡a¨ wegvMÖnxZv gviv †M‡j Zvi DËivwaKvix †Kv‡bv A_© cv‡e bv|
†eZ‡b GKRb PvKwiRxex| wg. ingv‡bi nVvr bM` UvKvi cÖ‡qvRb covq K. †evbvm Kx? 1
†g‡q el©v‡K †m K_v Rvbvb| †g‡q el©v Zvi evev‡K e¨vs‡K †h‡Z e‡jb| L. wbðqZvi Pzw³ ej‡Z Kx †evS? 2
e¨vsK eë¯’vcK, wg. ingv‡bi c~e©cwiwPZ| wZwb e¨vs‡K Dcw¯’Z nIqvi M. DÏxc‡K Rbve mv¾v‡ì wegvcÎ †Kvb ai‡bi wegvcÎ e¨vL¨v Ki| 3
mv‡_ mv‡_ e¨vsK eë¯’vcK Zv‡K Rvbvb †h, Zvi cÖ‡qvRbxq A_© e¨vsK N. Rbve mv¾v‡ì g‡Zv wb¤œAv‡qi gvby‡li Rb¨ wegv Kg©xi civgk©
†_‡K Zzj‡Z cvi‡eb| wg. ingvb †ek AevK nb| KZUv †hŠw³K? e¨vL¨v Ki| 4

K-wefvM : e¨vswKs K. evnK †PK Kx? 1
1  Rbve wi`q I Zvi `yB eÜy B÷ e¨vs‡Ki gvwjK| e¨vsKwU GKwUgvÎ L. `vMKvUv †PK Kxfv‡e FY AvgvbZ m„wó K‡i? e¨vL¨v Ki| 2
Kvh©vj‡qi gva¨‡g e¨vswKs Kvh©µg cwiPvjbv Ki‡Q| e¨vsKwU‡K †K›`ªxq M. DÏxc‡K Kwj †UªWvm© cÖ`Ë †PKwU †Kvb ai‡bi? e¨vL¨v Ki| 3
e¨vs‡K wewae× wiRvf© msiÿY Ki‡Z nq| B`vbxs Ab¨vb¨ e¨vs‡Ki mv‡_ N. Rwj †UªWvm© KZ…©K cÖ`Ë †PKwUi wbivcËv †ewk †Kb? we‡kølY Ki| 4
e¨vsKwUi AvšÍte¨vswKs †jb‡`b †e‡o †M‡Q| Gme †jb‡`b wb®úwËi Rb¨ 7  Rbve iwdK m¤úÖwZ e¨vsK †_‡K UvKv D‡Ëvjb I F‡Yi wKw¯Í cwi‡kv‡a GK
e¨vsKwU mivmwi †K›`ªxq e¨vs‡Ki wbKvk Ni myweav †bIqvi wm×všÍ wb‡q‡Q| ai‡bi KvW© eënvi K‡ib| wKšÍy wnmv‡e ch©vß UvKv bv _vK‡j G ai‡bi
K. e¨vswKs Kx? 1 Kv‡W©i †Kv‡bv Kvh©KvwiZv _v‡K bv| Aciw`‡K Rbve wigb wfbœ ai‡bi
L. F‡Yi eivÏKiY bxwZ eywS‡q †jL| 2 Av‡iKwU KvW© eënvi K‡ib hv bM` A‡_©i weKí wn‡m‡e †hgb eën„Z nq,
M. msMVb KvVv‡gv Abyhvqx DÏxc‡Ki e¨vsKwU †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 †Zgwb wnmv‡e UvKv bv _vK‡jI wbw`©ó cwigvY A_© ch©šÍ cY¨ ev †mev µq
N. wbKvk Ni myweav cvIqvi Rb¨ B÷ e¨vs‡Ki KiYxq we‡kølY Ki| 4 I bM` A_© D‡Ëvjb Ki‡Z cv‡ib|
2  Rbve Avigv‡bi ÔwZ¯Ív e¨vsK wjwg‡UWÕ-G GKwU wnmve i‡q‡Q| wZwb K. Iqvb ÷c mvwf©m Kx? 1
e¨vsKwUi gva¨‡g †`‡k-we‡`‡k me eëmvwqK Kvh©µ‡g e¨vswKs myweav L. ¯^qswµq wbKvk †mevwU e¨vL¨v Ki| 2
cv‡”Qb| Ab¨w`‡K Avw_©Kfv‡e kw³kvjx GKwU evwYwR¨K e¨vsK Ô†gNbv e¨vsK M. DÏxc‡K Rbve iwdK †Kvb ai‡bi KvW© eënvi K‡ib? e¨vL¨v Ki| 3
wjwg‡UWÕ A‡cÿvK…Z `ye©j `ywU evwYwR¨K e¨vsK, Ômyigv e¨vsK wjwg‡UWÕ Ges N. Rbve iwdK I Rbve wig‡bi eën„Z Kv‡W©i g‡a¨ mve©ÿwYK
ÔmÜ¨v e¨vsK wjwg‡UWÕ-Gi AwaKvsk †kqvi †Kbvi gva¨‡g wbqš¿Y MÖnY ZvrÿwYK †jb‡`‡b †KvbwU †kÖq? e¨vL¨v Ki| 4
K‡i‡Q| e¨vsK `ywU GLb MÖvnK‡ì AwaK e¨vswKs myweav cÖ`vb Ki‡Z cvi‡Q| L-wefvM : wegv
K. wkí e¨vsK Kx? 1 8  wg. †PŠayix GKRb RvnvR eëmvqx| we‡`k †_‡K cY¨ Avbv-†bIqv Zvi
L. e¨v‡mj-2 aviYvwU e¨vL¨v Ki| 2 KvR| ê`y¨wZK kU©mvwK©‡Ui gva¨‡g Av¸b †j‡M Zvi GKwU Rvnv‡Ri `yB-
M. DÏxc‡K DwjøwLZ wZ¯Ív e¨vsKwU msMVb KvVv‡gvi wfwË‡Z †Kvb Z…Zxqvsk ÿwZMÖ¯Í nq| wZwb wegv cÖwZôv‡bi Kv‡Q m¤ú~Y© Rvnv‡Ri
ai‡bi e¨vsK? e¨vL¨v Ki| 3 ÿwZc~iY †P‡q wegv`vwe †ck K‡ib| wegv cÖwZôvb cÖ_‡g `vwe c~i‡Y
N. DÏxc‡K DwjøwLZ †gNbv e¨vsK KZ…©K myigv Ges mÜ¨v e¨vs‡Ki A¯^xK…wZ Rvbv‡jI cieZ©x‡Z kZ©mv‡cÿ Zv c~iY Ki‡Z ivwR nq|
wbqš¿Y MÖn‡Yi gva¨‡g Zv‡ì e¨vswKs Kvh©µ‡gi m¤úÖmviY NUv‡Z K. wegv Kx? 1
mÿg n‡e? †Zvgvi gZvgZ `vI| 4 L. wegv‡K cig wek¦v‡mi Pzw³ ejv nq †Kb? 2
3  wiqv` Øv`k †kÖwYi eëmvq wkÿv wefv‡Mi GKRb QvÎ| †bvU I gy`ªvi M. wg. †PŠayixi `vwe c~i‡Y wegv cÖwZôv‡bi A¯^xK…wZ Rvbv‡bvi KviY
cÖPjb Kxfv‡e ïiæ nq Zv Rvb‡Z Lye AvMÖnx| †bvU I gy`ªv cÖPj‡bi `vwqZ¡ Kx? e¨vL¨v Ki| 3
cÖ_gw`‡K evwYwR¨K e¨vs‡Ki _vK‡jI Zv †K›`ªxq e¨vs‡Ki Ici b¨¯Í Kiv
N. Kx k‡Z© wegv cÖwZôvb wg. †PŠayixi `vwe c~iY Ki‡e e‡j Zzwg g‡b
nq| eZ©gv‡b c„w_exi me †`‡kB †K›`ªxq e¨vsK †bvU I gy`ªv cÖPj‡b
Ki? †Zvgvi gZvg‡Zi mc‡ÿ hyw³ `vI| 4
GK‡PwUqv AwaKvi †fvM K‡i|
9  †cuqvR eëmvqx †jvKgvb mv‡ne †cuqv‡Ri ¸`vg wegv K‡iwQ‡jb| †cuqv‡Ri
K. wewae× wiRvf© Kx? 1
mwVK cwigvY D‡jøL bv Kivq wegv cÖwZôvb Zvi wegvPzw³ evwZj K‡i|
L. †K›`ªxq e¨vsK‡K miKv‡ii cÖKí mnvqK ejv nq †Kb? 2
Ab¨w`‡K, Zvi eÜy BKevj mv‡ne `xN©w`b GKwU fvov evmvq _v‡Kb| wZwb
M. †bvU I gy`ªv cÖPjb †K›`ªxq e¨vs‡Ki †h ai‡bi Kvh©vewj Zv e¨vL¨v Ki| 3
wbR bv‡g febwU wegv Ki‡Z PvB‡j wegv cÖwZôvb Zv‡Z A¯^xK…wZ Rvbvq|
N. DÏxc‡K DwjøwLZ `vwqZ¡ cvj‡b †K›`ªxq e¨vsK‡K GK‡PwUqv AwaKvi
K. SzuwK Kx? 1
cÖ`vb Kiv n‡q‡Q †Kb? we‡kølY Ki| 4
L. evsjv‡`‡k wegv Dbœqb I wbqš¿Y KZ…©cÿ wegv eëmv‡qi Dbœq‡b
4  m¤úÖwZ evwYwR¨K e¨vsK¸‡jv Avevmb wkí Lv‡Z †ewk cwigvY FY †Ìqvq
¸iæZ¡c~Y© †Kb? 2
evRv‡i gy`ªvùxwZ †`Lv †`q| ZvB †K›`ªxq e¨vsK mwÂwZ evov‡bvi wm×všÍ
†bq| wKšÍy Zv‡Z FY mieivn cwiw¯’wZ †Zgb cwieZ©b bv nIqvq e¨vsKwU M. DÏxc‡K DwjøwLZ †jvKgvb mv‡n‡ei wegvwU Kx Kvi‡Y evwZj Kiv
wKQz eÛI evRv‡i †Q‡o‡Q| G‡Z MÖvnK‡ì g‡a¨ h‡_ó mvov cvIqv hv‡”Q| n‡q‡Q e¨vL¨v Ki| 3
K. wbKvk Ni Kx? 1 N. wegv cÖwZôvb KZ…©K BKevj mv‡n‡ei cÖ¯ÍvewU cÖZ¨vL¨v‡bi KviY Kx?
L. †K›`ªxq e¨vsK‡K gy`ªvevRv‡ii AwffveK ejv nq †Kb? e¨vL¨v Ki| 2 e¨vL¨v Ki| 4
M. †K›`ªxq e¨vsKwU FY wbqš¿‡Y me©cÖ_g †Kvb c×wZ Aej¤^b K‡i‡Q? 10  wn‡gj mv‡ne 3 eQi †gqvw` GKwU Rxeb wegv K‡i †gqv`c~wZ©i Av‡MB
e¨vL¨v Ki| 3 gviv hvb| Zvi DËivwaKvix G‡m wegv UvKv `vwe Ki‡j wegv cÖwZôvb UvKv
N. †K›`ªxq e¨vsK‡K FY wbqš¿‡Y cieZ©x c×wZwU gy`ªvùxwZi Ici w`‡Z A¯^xK…wZ Rvbvq| Avevi RvwKi mv‡ne wegv cÖwZôvb‡K †eu‡P _vKvi
Kxiƒc cÖfve †dj‡e e‡j Zzwg g‡b Ki? we‡kølY Ki| 4 AvM ch©šÍ wKw¯Í w`‡q †M‡Qb| wZwb gviv †M‡j Zvi g‡bvbxZ e¨w³‡K wegv
5  Lyjbvi wg. mv‡jK GKRb PvKwiRxex| Zvi gvwmK e¨q wbe©vn Kivi ci wZwb cÖwZôvb wegv`vwei UvKv †`q|
wKQz UvKv mÂq Ki‡Z cv‡ib| wPÎv e¨vs‡K wZwb GKwU wnmve Ly‡j‡Qb| D³ K. evwl©K e„wË Kx? 1
wnmv‡e wZwb wbw`©ó mg‡qi Rb¨ A_© Rgv iv‡Lb| wnmve †Lvjvi K‡qKw`b L. cybwe©gv ej‡Z Kx †evS? 2
c‡i A_© D‡Ëvjb Ki‡Z e¨vs‡K †M‡j kZ© c~iY nqwb e‡j, Zv‡K UvKv w`‡Z M. wn‡gj mv‡ne †Kvb ai‡bi wegv K‡iwQ‡jb? e¨vL¨v Ki| 3
e¨vsK AcviMZv Rvbvq| G‡Z wZwb ÿzä n‡q, wbqwgZ Rgv I D‡Ëvjb Kiv N. RvwKi mv‡n‡ei g‡bvbxZ e¨w³‡K wegv`vwe cwi‡kv‡ai KviY hyw³mn
hvq Ggb GKwU wnmv‡e A_© Rgv ivLvi wm×všÍ †bb| we‡kølY Ki| 4
K. e¨vsK wnmve Kx? 1 11  Avnmvb mv‡ne GKRb ¯‹zj wkÿK| GK eQi c‡i wZwb Aem‡i hv‡eb|
L. GKRb Qv‡Îi Rb¨ †Kvb ai‡bi wnmve Dc‡hvMx? e¨vL¨v `vI| 2 Zvi GKwU Rxeb wegv i‡q‡Q, †hLvb †_‡K wZwb AwaK Avw_©K myweav cvb|
M. wbw`©ó mg‡qi Rb¨ wg. mv‡jK e¨vs‡K †Kvb ai‡bi wnmve Ly‡j‡Qb? e„× eq‡m wbqwgZ fvZv †c‡q Avw_©Kfv‡e m”Qj _vKvi Rb¨ wegv †Kv¤úvwb
e¨vL¨v Ki| 3 Zv‡K evwl©K e„wË †Ìqvi eë¯’v Kij|
N. wbqwgZ A_© Rgv ivLv I D‡Ëvj‡bi wel‡q wg. mv‡jK †h wm×všÍ K. †hŠ_ Rxeb wegvcÎ Kx? 1
wb‡q‡Qb Zv KZUzKz ev¯Íem¤§Z? hyw³mn e¨vL¨v Ki| 4 L. ˆØZ wegv ej‡Z Kx †evSvq? 2
6  Kwj †UªWvm© cY¨ µq eve` Rwj †UªWvm©‡K cÂvk nvRvi UvKvi GKwU †PK †`q| M. Avnmvb mv‡n‡ei AwaK Avw_©K myweav‡K wegv †Kv¤úvwb Kx wn‡m‡e
†mLv‡b †jLv wQj Ôïay Rwj †UªWvm©‡K cÖ‡`qÕ| cÿvšÍ‡i, Rwj †UªWvm© hLb AwfwnZ K‡i‡Q? e¨vL¨v Ki| 3
†jb‡`‡bi wb®úwËi Rb¨ Kwj †UWvm©‡K †PK †`q, ZLb †P‡K `ywU `vM †K‡U N. e„× eq‡m Avnmvb mv‡n‡ei Avw_©K m”QjZvi †ÿ‡Î wegv †Kv¤úvwbi
wbw`©ó e¨vs‡Ki bvg wj‡L †`q| Gfv‡e Zv‡ì eëmvwqK †jb‡`‡bi mgvwß N‡U| f‚wgKv we‡kølY Ki| 4
46 knx` ˆmq` bRiæj Bmjvg K‡jR, gqgbwmsn welq †KvW : 2 9 3

K-wefvM : e¨vswKs cÖ‡qvRb †bB| Zv‡ì K_v ï‡b cvk †_‡K Zv‡ì GK eo fvB ej‡jb
1  ÔcÙvÕ e¨vsK wj. m¤úÖwZ e¨vswKs eëmvq fv‡jv Ki‡Q bv| welqwU Abyaveb †Zvgiv `yRbB mwVK|
K‡i evRv‡i kw³kvjx Aci Av‡iKwU e¨vsK hgybv e¨vsK KZ…©cÿ cÙv K. B-e¨vswKs Kx? 1
e¨vsK‡K Zv‡ì AwaKvsk †kqvi n¯ÍvšÍic~e©K hgybv e¨vs‡Ki wbqš¿Yvax‡b L. †gvevBj e¨vswKs ej‡Z Kx †evSvq? 2
cwiPvwjZ nIqvi AvMÖn cÖKvk Kij| wKšÍy KZ…©cÿ G‡Z m¤§Z bv n‡q M. DÏxc‡K iwbi evevi KvW©wU wK ai‡bi KvW©? e¨vL¨v Ki| 3
Dfq e¨vsK‡K c„_K mË¡v eRvq †i‡L cvi¯úwiK mn‡hvwMZvi gva¨‡g N. DÏxc‡Ki eo fvB‡qi `yBRbB mwVK gšÍe¨wU we‡kølY Ki| 4
Kvh©µg cwiPvjbvi AvMÖn cÖKvk Kij| 7  wg. nviæb GKRb wewkó eëmvqx| wg. nviæb wg. Avjxi cvIbv UvKv eve`
K. e¨vsK Kv‡K e‡j? 1 5 jÿ UvKvi GKwU †PK Bmy¨ K‡ib| †PKwU Zvi Kg©Pvix gvidZ wg.
L. e¨vsK A_© I F‡Yi eëmvqx eywS‡q †jL| 2 Avjxi wbKU cvVvb| wg. nviæ‡bi D³ Kg©Pvix e¨vsK †_‡K UvKv D‡Ëvjb
M. hgybv e¨vsK KZ…©cÿ †Kvb ai‡bi e¨vsK cÖwZôvi AvMÖn cÖKvk Kij? 3 K‡i cvwj‡q hvq|
N. Zzwg wK g‡b Ki hgybv e¨vsK KZ…©cÿ †_‡K cÙv e¨vsK KZ…©c‡ÿi K. evwm †PK Kx? 1
AvMÖ‡n cÖwZwôZ e¨vswKs c×wZ †kÖq? gZvgZ `vI| 4 L. †P‡Ki Aby‡gv`b ej‡Z Kx †evSvq? 2
2  ÔA e¨vsKÕ †`‡ki wewfbœ †Rjv I Dc‡Rjvq RbM‡Yi AvgvbZ msMÖn, FY M. DÏxc‡Ki wg. nviæ‡bi Bmy¨K…Z †PKwU †Kvb ai‡bi †PK wQj Zv
cÖ`vbmn Ab¨vb¨ e¨vswKs Kvh©µg m¤úbœ K‡i| cieZ©x‡Z Zv‡ì Kvh©µg e¨vL¨v Ki| 3
†`‡ki evB‡iI we¯Í„Z K‡i| Aciw`‡K ÔB e¨vsKÕ ïay gqgbwmsn m`‡i N. DÏxc‡Ki wg. nviæb wK GB cÖZviYvi nvZ †_‡K †invB †c‡Z
Aew¯’Z GKgvÎ Awd‡mi gva¨‡g e¨vswKs Kvh©µg cwiPvjbv K‡i| cviZ? †Zvgvi DË‡ii mc‡ÿ hyw³ `vI| 4
K. ¯^vqËkvwmZ e¨vsK Kv‡K e‡j? 1 L-wefvM : wegv
L. evsjv‡`k K…wl e¨vsK‡K †Kb wgkÖ e¨vsK ejv nq? 2 8  wg. wmnvb Zvi evevi mv‡_ GKB evwo‡Z _v‡Kb| evwowU wmnv‡bi evevi
M. KvVv‡gvi wfwË‡Z ÔA e¨vsKÕ †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 bv‡g| f‚wgK¤ú n‡j evwowU ÿwZMÖ¯Í n‡Z cv‡i G K_v wPšÍv K‡i wg. wmnvb
N. DÏxc‡K ÔA e¨vsKÕ, ÔB e¨vsK †_‡K †`‡ki A_©bxwZ‡Z AwaK f‚wgKv evwowU wegv Ki‡Z †M‡j wegv †Kv¤úvwb evwowU wegv Ki‡Z A¯^xK…wZ
cvjb K‡i| Zzwg wK GKgZ? †Zvgvi DË‡ii mc‡ÿ hyw³ `vI| 4 Rvbvq| ZLb wg. wmnv‡bi evev wb‡RB evwowU wegv K‡ib| Zvici wg.
3  †K›`ªxq e¨vsK GKwU †`‡ki gy`ªvi cÖPjb I gvb wbqš¿Y K‡i| GB e¨vsK wmnvb †Kv¤úvwb‡K bv Rvwb‡q evwoi 2q Zjvi KvR ïiæ K‡ib| 2q Zjvi
†`‡ki A‡bK e¨vs‡Ki AwffveK wnmv‡e wewfbœ Kvh©µg cwiPvjbv K‡i| KvR †kl nIqvi ciciB evwo GK cv‡k †n‡j †M‡Q| wg. wmnv‡bi evev
K. †K›`ªxq e¨vsK Kv‡K e‡j? 1 wegv`vwe Ki‡j wegv †Kv¤úvwb wegv`vwe c~i‡Y A¯^xK…Z Rvbvq|
L. F‡Yi †kl AvkÖq¯’j †Kvb e¨vs‡K ejv nq? 2 K. wegv Kx? 1
M. †K›`ªxq e¨vsKwU gy`ªv cÖPjbmn Kx ai‡bi mvaviY Kvh©vewj m¤úv`b L. wegv‡hvM¨ ¯^v_© ej‡Z Kx †evSvq? 2
K‡i Zv Av‡jvPbv Ki| 3 M. †Kvb bxwZi Rb¨ wg. wmnv‡bi cÖ¯Ív‡e wegv †Kv¤úvwb m¤§Z nqwb?
N. †K›`ªxq e¨vsKwU †`‡ki Ab¨ e¨vs‡Ki Rb¨ Kx ai‡bi Kvh©vewj e¨vL¨v Ki| 3
m¤úv`b K‡i e‡j Zzwg g‡b Ki Zv Av‡jvPbv Ki| 4 N. DÏxc‡Ki Av‡jv‡K wmnv‡bi evev wK wegv`vwe cvIqvi †hvM¨? KviY
4  Rbve Zvbfxi GKRb eëmvqx| Zvi HL e¨vs‡K GKwU mÂqx wnmve Av‡Q| we‡kølY Ki| 4
wZwb G wnmvewU Zvi eëmvwqK †jb‡`‡b eënvi Ki‡Z cvi‡e wKbv G 9  wg. †PŠayix RvnvR eëmvqx| we‡`k †_‡K cY¨ Avbv-†bIqv Zvi KvR|
wel‡q e¨vsK g¨v‡bRv‡ii civgk© PvB‡j, g¨v‡bRvi Zv‡K Ab¨ GKwU e¨vsK ê`y¨wZK kU©mvwK©‡Ui gva¨‡g Av¸b †j‡M Zvi GKwU Rvnv‡Ri `yB-
wnmve †Lvjvi civgk© †`b| Z…Zxqvsk ÿwZMÖ¯Í nq| wZwb wegv †Kv¤úvwbi Kv‡Q m¤ú~Y© Rvnv‡Ri
K. e¨vsK wnmve Kx? 1 ÿwZc~iY †P‡q wegv`vwe †ck K‡ib| wegv †Kv¤úvwb cÖ_‡g `vwe c~i‡Y
L. KYC dg© ej‡Z Kx †evS? 2 AcviMZv cÖKvk Ki‡jI cieZ©x‡Z kZ©mv‡c‡ÿ Zv c~iY Ki‡Z Pvq|
M. Rbve Zvbfxi Avn‡g‡ì mÂqx wnmvewU †Kb eëmvwqK †jb‡`‡b K. SzuwK Kx? 1
Dchy³ bq? e¨vL¨v Ki| 3 L. wegv‡K cig wek¦v‡mi Pzw³ ejv nq †Kb? 2
N. DÏxc‡Ki eë¯’vcK Rbve Zvbfxi Avn‡g`‡K †h wnmve †Lvjvi M. wg. †PŠayixi `vwe c~i‡Y wegv †Kv¤úvwbi AcviMZv cÖKv‡ki KviY Kx? 3
civgk© †`b Zvi †hŠw³KZv we‡kølY Ki| 4 N. Kx k‡Z© wegv †Kv¤úvwb wg. †PŠayixi `vwe c~iY Ki‡e e‡j Zzwg g‡b
5 Ki? †Zvgvi g‡Zi mc‡ÿ hyw³ `vI| 4
KYÆdzjx eÅvsK wj.
10  Rbve cjvk 15 eQ‡ii Rb¨ 5 jÿ UvKvi GKwU Rxeb wegvPzw³ m¤úv`b
AvMÉvev` kvLv, PëMÉvg K‡ib| cuvP eQi wcÖwgqvg cwi‡kv‡ai ci Avw_©K Amvg‡_©ï Kvi‡Y Zuvi
ZvwiL : 12/11/2021 wegvcÎwU Pvwj‡q hvIqv m¤¢e bq e‡j wegv †Kv¤úvwb‡K Rvbvq Ges
cÉ`vb Ki‚b wKGkvi ˆK ev evnKGK UvKv wcÖwgqvg Av`v‡qi Rb¨ Av‡e`b K‡i|
(K^vq) cuvP nvRvi UvKv TK 5,000 K. cybwe©gv Kx? 1
gybv L. Rxeb wegv‡K wbðqZvi Pzw³ ejv nq †Kb? e¨vL¨v Ki| 2
M. Rbve cjvk †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb? e¨vL¨v `vI| 3
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N. DÏxc‡Ki Rbve cjvk wegv †Kv¤úvwbi wbKU wcÖwgqvg †diZ
†PKwU 08/04/2017 Zvwi‡L Avjdv e¨vsK wj. Gi cÖvc‡Ki e¨vsK wnmv‡e cvIqvi AwaKvix n‡eb wK? we‡kølY Ki| 4
Rgv Kiv n‡j †PKwU cÖZ¨vL¨vZ nq| 11  Rbve iwn‡gi eZ©gvb eqm 45 eQi| wZwb wkÿKZv †ckvq wb‡qvwRZ|
K. †PK Kx? 1 wZwb Zvi mšÍvb‡ì fwel¨‡Zi K_v wPšÍv K‡i wbR bv‡g 15 eQ‡ii GKwU
L. evnK †PK ûKzg †PK A‡cÿv Kg wbivc` †Kb? 2 Rxeb wegvcÎ MÖnY K‡ib| wZwb Zvi ¯¿x‡K wegvc‡Îi bwgwb K‡ib| cici
M. DÏxc‡K cÖ`wk©Z †PKwU †Kvb ai‡bi †PK? e¨vL¨v Ki| 3 3 eQi wKw¯Í cÖ`vb Kivi ci Rbve iwn‡gi g„Zz¨ nq| †gqv`c~wZ©i ci Zvi
N. Avjdv e¨vsK wj. KZ…©K cÖvc‡Ki wnmv‡e RgvK…Z †PKwU cÖZ¨vL¨v‡bi ¯¿x wegv †Kv¤úvwbi wbKU wegv`vwe †ck K‡i|
†hŠw³KZv we‡kølY Ki| 4 K. wcÖwgqvg Kx? 1
6 iwb I wmdvZ `yB eÜy GKwU wel‡q GKgZ n‡Z cvi‡Q bv| iwbi g‡Z, Zvi L. AvRxeb wegv ej‡Z Kx †evSvq? 2
evevi Ggb GKwU KvW© Av‡Q hv w`‡q Zvi evevi e¨vsK wnmv‡e Rgv‡bv UvKv M. Rbve iwng †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb? e¨vL¨v Ki| 3
†gwkb †_‡K †Zvjv hvq| wnmv‡ei Rgv †_‡K AwZwi³ †Zvjv hvq bv| Avj N. DÏxc‡Ki Av‡jv‡K Rbve iwn‡gi ¯¿x wK wegv`vwe Ki‡Z cvi‡eb?
wmdv‡Zi g‡Z Zvi evevi KvW© w`‡q UvKv Zzj‡Z e¨vsK wnmv‡e UvKv _vKvi hyw³mn e¨vL¨v Ki| 4
kxl©¯’vbxq K‡j‡Ri †U÷ cixÿvi cÖkœcÎ

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47 XvKv †iwm‡Wbwmqvj g‡Wj K‡jR welq †KvW : 2 9 3
1. we‡k¦i cÖ_g e¨vsK †KvbwU? wb‡Pi †KvbwU mwVK?  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI :
K e¨vsK Ae Bsj¨vÛ L kvwÝ e¨vsK K i I ii L i I iii M ii I iii N i, ii I iii Rbve †iRv GKRb eëmvqx| wZwb Zvi
M e¨vsK Ae †fwbm 10. †Kv¤úvwbi wnmve Lyj‡Z wb‡Pi †KvbwU AwaKvsk e¨vswKs Kvh©µg Zvi eën„Z
N e¨vsK Ae evwm©‡jvbv mswkøó bq? †gvevBj †dv‡bi gva¨‡g m¤úbœ K‡i _v‡Kb|
2. e¨vsK eë¯’vi Dbœq‡b gyL¨ f‚wgKv cvjb K‡i K Pzw³cÎ L †UªW jvB‡mÝ m¤úÖwZ wZwb eëmvwqK cÖ‡qvR‡b we‡`k åg‡Y
K mf¨Zvi Dbœqb L gy`ªvi cÖPjb M wbeÜbcÎ N ¯§viKwjwc Av‡Qb| nVvr wZwb Avw_©K msK‡U c‡ob|
M miKv‡ii n¯Í‡ÿc N eëmvqx‡ì cÖ‡Póv 11. GKRb K…lK AvgvbwZ wnmve Lyj‡Z cv‡ib 22. Rbve †iRv Kxfv‡e Zvi e¨vswKs Kvh©µg
3. e¨vsK Ave evwm©‡jvbv KZmv‡j cÖwZwôZ nq? K 5 UvKv Rgv w`‡q m¤úv`b K‡ib?
K 1157 L 1178 L 10 UvKv Rgv w`‡q K AbjvBb e¨vswKs L †gvevBj e¨vswKs
M 1401 N 1407 M 20 UvKv Rgv w`‡q M †nvg e¨vswKs N B›Uvi‡bU e¨vswKs
4. e¨vsK Ae Bsj¨vÛ KZ mv‡j cÖwZwôZ nq? N 50 UvKv Rgv w`‡q 23. DÏxc‡K Rbve †iRv Kxfv‡e Zvi Avw_©K
K 1157 L 1401 12. GKwU †P‡Ki êaZvi †gqv` KZw`b _v‡K? msKU `~i Ki‡Z cv‡ib?
M 1694 N 1800 K 60 L 90 i. †µwWU Kv‡W©i gva¨‡g
M 180 N 270 ii. ågYKvixi †P‡Ki gva¨‡g
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : iii. ågYKvixi cÖZ¨qc‡Îi gva¨‡g
13. wewbgq wej †K cÖ¯‘Z K‡i?
Rbve Avjx Ges Rbve mwRe h_vµ‡g ÔKÕ K cvIbv`vi L e¨vsK wb‡Pi †KvbwU mwVK?
I ÔLÕ e¨vs‡K PvKwi K‡i| mviv †`‡k ÔKÕ M wegv cÖwZôvb N †`bv`vi K i I ii L i I iii M ii I iii N i, ii I iii
e¨vs‡Ki Kvh©µg envj _vK‡jI ÔLÕ 14. †KvbwU e¨vs‡Ki cÖwZ MÖvn‡Ki wjwLZ wb‡`©k? 24. weKvk Kx?
e¨vs‡Ki ïay XvKvi gwZwSj GjvKvq †mev K e¨vs‡Ki wbðqZv L e¨vsK WªvdU K †gvevBj e¨vswKs L GbwRI
cÖ`vb K‡i| G eQi e¨vcK cÖvK…wZK M †c-AW©vi N †PK M e¨w³ N e¨vsK
`y‡h©v‡Mi Kvi‡Y `ywU e¨vsKB Zvij¨ msK‡U 15. wewbgq we‡ji cÖavbZ cÿ KZwU? 25. wegv cwjwm‡Z SzuwK MÖn‡Yi wewbgq g~j¨‡K
fzM‡Q| ZeyI eQi †k‡l ÔKÕ e¨vs‡K ÔLÕ K2 L3 M4 N5 Kx e‡j?
e¨vs‡Ki Zzjbvq AwaK gybvdv jvf K‡i‡Q|  DÏxcKwU c‡o 16 I 17bs cÖ‡kœi DËi `vI : K †evbvm L wcÖwgqvg
5. ÔKÕ e¨vsKwU †Kvb ai‡bi e¨vsK? RbZv wjwg‡UW †_‡K WvqgÛ wjwg‡UW M my` N mgc©Y g~j¨
K GKK L kvLv 26. Clearing House A_© Kx?
10,00,000 UvKvi GKwU †PK †c‡q Zv
M †Mvôx N †PBb K cwi®‹vi Ni L wbKvk Ni
cÖwZôv‡bi wnmveiÿY Kg©KZ©v Rbve mv‡n`‡K
6. e¨vsK `ywUi Zvij¨ msKU nIqvi KviY M e¨¯Í Ni N e¨vsK Ni
e¨vsK †_‡K fv½v‡bvi Rb¨ w`‡jb|
i. F‡Yi UvKv Abv`vwq _vK‡Q 16. DÏxc‡K Rbve mv‡n` mv‡ne †Kvb cÿ 27. ÿwZi Avk¼v ¯^vfvwe‡Ki †P‡q Kg _vK‡j
ii. `ÿZvi bxwZ cvjb Kiv nqwb wn‡m‡e we‡ewPZ n‡eb? Zuv‡K Kx ejv nq?
iii. bZzb K‡i AvgvbZ Avm‡Q bv K Av`wk©K L DËg Av`wk©K
K aviK L Aby‡gv`bKvix
wb‡Pi †KvbwU mwVK? M Dc-Av`wk©K N Kg Av`wk©K
M Av‡`óv N Avw`ó
K i I ii L i I iii M ii I iii N i, ii I iii 17. WvqgÛ wjwg‡UW KZ…©K cÖvß †PKwU †Kvb ai‡bi? 28. evsjv‡`‡k eZ© gv‡b KZ mv‡ji wegv
7. CRR Gi c~Yi© ƒc Kx? AvBbwU Kvh©Ki i‡q‡Q?
K evnK †PK L ûKzg †PK
K Cash Reserve Rate K 1938 L 1965
M `vMKvUv †PK N Aby‡gv`bcÖvß †PK
L Cash Reserve Ratio M 1964 N 2010
M Cash Reserve Requirement
18. †h †P‡Ki †gqv‡`vËxY© n‡q‡Q Zvi bvg  DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI :
N Cash Requirement Ratio i. evwm †PK
êgvwbK wisKz GKKvjxb 10 jÿ UvKv
ii. evwZj †PK
 DÏxcKwU c‡o 8 I 9bs cÖ‡kœi DËi `vI : w`‡q 2 eQ‡ii Rb¨ GKwU wegvcÎ
iii. duvKv †PK
Avwgbv e¨vsK ÔKÕ †`kwUi †bvU I gy`ªv †Lv‡jb| 2 eQi AwZevwnZ nIqvi ci
wb‡Pi †KvbwU mwVK? wZwb wegv`vwe Ki‡j wegvKvix wewa
Bmy¨ Kivi GK‡PwUqv ÿgZv iv‡L| G K i I ii L i I iii M ii I iii N i, ii I iii
cÖ‡qvR‡bB Avwgbv e¨vsK †bvU Bmyï †ÿ‡Î 19. SWIFT Gi Kvh©µg ïiæ nq me©cÖ_g †Kvb mv‡j? †gvZv‡eK `vwe cÖZ¨vL¨vb K‡ib|
20% ¯^Y© I Ab¨vb¨ m¤úwË wiRvf© wnmv‡e 29. DÏxc‡K Rbve wisKzi wegvcÎwU †Kvb ai‡bi?
K 1970 L 1973 K mvaviY †gqvw` L mvgwqK
msiÿY K‡i _v‡K| M 1972 N 1990
8. Avwgbv e¨vsK hw` eZ©gv‡bi †P‡q †ewk †bvU I 20. PIN-Gi c~Yi© ƒc Kx? M weï× †gqvw` N eûgyLx myweav
gy`ªv Bmy¨ Ki‡Z Pvq Zvn‡j wiRv‡f©i cwigvY K Private Identification Number
30. DÏxc‡K wegvcÎwUi Rb¨ we‡klfv‡e cÖ‡hvR¨
L Personnel Identification Number i. wbw`ó© †gqv‡ì g‡a¨ wegvMÖwnZv gviv
K evo‡e L Kg‡e
M Public Indentification Number †M‡j wegv`vwe cwi‡kva¨ n‡e
M cÖfve †dj‡e bv N AcwiewZ©Z _v‡K
N Personal Identification Number ii. mvaviYZ GiKg wegv eû wKw¯Ím¤úbœ n‡e
9. †K›`ªxq e¨vs‡Ki êwkó¨ n‡jv 21. AbjvBb e¨vswKs wb‡Pi †Kvb DcKi‡Yi iii. SzuwKc~Y© Kv‡R wb‡qvwRZ e¨w³ Giƒc
i. GKK e¨vsK cÖ‡qvRb Kwg‡q‡Q? wegv K‡ib
ii. gybvdv AR©b K †c-AW©vi L e¨vsK WªvdU wb‡Pi †KvbwU mwVK?
iii. Ab¨vb¨ e¨vs‡Ki e¨vsKvi M M¨vivw›UcÎ N †PK K i I ii L i I iii M ii I iii N i, ii I iii
1 L 2 L 3 M 4 M 5 L 6 L 7 M 8 K 9 L 10 K 11 L 12 M 13 K 14 N 15 L
16 K 17 K 18 K 19 L 20 N 21 L 22 L 23 N 24 K 25 L 26 L 27 L 28 N 29 L 30 L
48 Av`gRx K¨v›Ub‡g›U K‡jR, XvKv welq †KvW : 2 9 3

1. e¨v‡mj-2 Gi †gvU wfwË KqwU? 12. bgybv ¯^vÿi Kv‡W© Kvi ¯^vÿ‡ii bgybv msMÖn 21. ïf GKwU †emiKvwi e¨vs‡K mÂqx wnmve
K GKwU L `ywU Kiv nq? Ly‡j‡Q| e¨vsK KZ…©cÿ Zv‡K GKwU KvW© w`j|
M wZbwU N PviwU K AvgvbZKvixi L e¨vsKv‡ii G KvW© w`‡q w`‡bi †h‡Kv‡bv mgq A_© D‡Ëvjb
2. e¨vs‡Ki cÖwZwbwaZ¡g~jK Kvh©vewji †KvbwU? M n¯ÍvšÍi MÖnxZv N g¨v‡bRv‡ii Kiv hvq| ïf‡K e¨vsK †Kvb KvW©wU w`j?
K wewbg‡qi gva¨g m„wó L MÖvnK‡ì A_© msMÖn 13. PjwZ wnmv‡ei MÖvnK‡ì‡K e¨vsK my` bv K †µwWU KvW© L †WweU KvW©
M FY`vb N AvgvbZ msMÖn †Ìqvi KviY n‡jv M wWwRUvj KvW© N A‡Uv‡gkb KvW©
3. wb‡Pi †KvbwU ¯^vqËkvwmZ e¨vsK? i. GB wnmv‡ei MÖvnKiv KL‡bvB Ajm A_© 22. Zv‡iK mv‡ne †KbvKvUv Ki‡Z gv‡K©‡U †M‡jb|
K RbZv e¨vsK L DËiv e¨vsK Zv‡ì wnmv‡e †d‡j iv‡L bv †KbvKvUvi ci UvKv cwi‡kva Ki‡Z wM‡q
M cÖvBg e¨vsK N evsjv‡`k e¨vsK ii. GB wnmv‡ei gva¨‡g msM„nxZ A_© Kvh©Z †`‡Lb Zvi wbKU bM` UvKv †bB| wZwb Kv‡W©i
4. Avg`vwb ißvwb e¨vs‡Ki KvR n‡jv e¨vsK wewb‡qvM Ki‡Z cv‡i bv gva¨‡g UvKv cwi‡kva K‡i †`b| GB UvKv
i. `xN©‡gqvw` FY cÖ`vb Kiv iii. GB wnmv‡ei MÖvnKiv my‡ì †jb‡`b cQ›` e¨vsK‡K c‡i cwi‡kva K‡i w`‡Z n‡e| Zv‡iK
ii. LC myweav cÖ`vb Kiv K‡ib bv mv‡n‡ei Kv‡Q †Kvb KvW©wU wQj?
iii. ê‡`wkK we‡j ¯^xK…wZ cÖ`vb Kiv wb‡Pi †KvbwU mwVK? K †µwWU KvW© L †WweU KvW©
wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii M GwUGg KvW© N wWmKvD›U KvW©
K i I ii L i I iii M ii I iii N i, ii I iii 14. Rbve Kwig wbR¯^ g~jab wb‡q GKwU eëmv 23. wegvKvixi SzuwKi Askwe‡kl Ab¨ wegv
5. cÙv, †gNbv, hgybv wZbwU †emiKvwi e¨vs‡Ki ïiæ K‡ib| wZwb ¯’vbxq e¨vs‡Ki g¨v‡bRv‡ii †Kv¤úvwbi nv‡Z †Q‡o †Ìqv‡K Kx ejv nq?
cwiPvjbv cl©` †RvUe× n‡q KvR Kivi Rb¨ civgk© wb‡q GKwU Dchy³ e¨vsK wnmve K `yN©Ubv wegv L cybtwegv
GKwÎZ nq| wm×všÍ nq †h, cÙv e¨vsK †nvwìs Ly‡jb| Kwi‡gi Rb¨ †Kvb wnmvewU Dchy³? M ˆØZ wegv N †hŠ_wegv
e¨vsK wn‡m‡e KvR Ki‡e Ab¨ e¨vsK mvewmwWqvwi K mÂqx L PjwZ 24. wegvcÎ Pvjv‡Z Amg_© n‡j wegv †Kv¤úvwb
e¨vsK wn‡m‡e KvR Ki‡e| DÏxc‡Ki e¨vsK¸‡jv M ¯’vqx N FY wnmve wegvMÖnxZv‡K †h g~j¨ †diZ †`q Zv‡K wK e‡j?
Kx ai‡bi e¨vswKs Kv‡Ri wm×všÍ wb‡q‡Q? 15. †P‡K e¨vs‡Ki bvg D‡jøL K‡i `vMKvUv n‡j K †evbvm L e„wË
K †PBb e¨vswKs L MÖæc e¨vswKs Zv‡K Kx ejv nq? M gybvdv N mgc©Y g~j¨
M GKK e¨vswKs N kvLv e¨vswKs K mvaviY `vM KvUv †PK 25. wegvPzw³i Acwinvh© Dcv`vb n‡jv
6. evsjv‡`‡ki Avw_©K bxwZ cÖYq‡b †Kvb e¨vsK L we‡kl `vM KvUv †PK i. `ywU cÿ
miKvi‡K mivmwi mnvqZv K‡i? M ˆØZ `vM KvUv †PK ii. wegv‡hvM¨ ¯^v_©
K evsjv‡`k e¨vsK L †mvbvjx e¨vsK N evnK †PK iii. SzuwK n«vm
M evsjv‡`k Dbœqb e¨vsK N cÖvBg e¨vsK 16. †Kvb ai‡bi †PK n¯ÍvšÍ‡ii Rb¨ wjwLZ wb‡Pi †KvbwU mwVK?
7. evsjv‡`k e¨vsK wb‡`©k w`‡q‡Q ZvwjKvfz³ Aby‡gv`‡bi ìKvi nq bv? K i I ii L i I iii M ii I iii N i, ii I iii
e¨vsK¸‡jv‡K Zv‡ì cÖ`Ë F‡Yi 5% Aek¨B K evnK †PK L duvKv †PK 26. Rbve Avwbm A‡bKw`b hveZ ebvbxi GKwU evmvq
K…wl Lv‡Z eivÏ Ki‡Z n‡e| GwU †K›`ªxq M gv‡K©U †PK N evwm †PK fvov _v‡Kb| wZwb wbR bv‡g febwUi wegv Ki‡Z
e¨vs‡Ki †Kvb FY wbqš¿Y bxwZi g‡a¨ co‡e? 17. wewbgq wej I cÖZ¨qcÎ PvB‡j wegv †Kv¤úvwb Zvi cÖ¯Ív‡e A¯^xK…wZ Rvbvq|
K Rvgvb‡Zi cÖvwšÍK nvi bxwZ Rbve Avwb‡mi cÖ¯Íve cÖZ¨vL¨vb n‡qwQj †Kb?
i. kZ©nxb nq
L e¨vsK nvi bxwZ K cÖZ¨ÿ Kvi‡Yi Afve
ii. ÷¨v¤úhy³ _v‡K
M †LvjvevRvi bxwZ L wegv‡hvM¨ ¯^v‡_©i Afve
iii. Df‡qi wZbwU cÿ _v‡K
N F‡Yi eivÏKiY bxwZ M P‚ovšÍ mwØk¦v‡mi Afve
8. evsjv‡`k e¨vs‡Ki Abycw¯’wZ‡Z †Kvb e¨vsK K i I ii L i I iii M ii I iii N i, ii I iii N MÖnY‡hvM¨Zvi Afve
wbKvk N‡ii `vwqZ¡ cvjb K‡i? 27. Rxeb wegvi êwkó¨ bq †KvbwU?
18. Zvwbqv GKwU †PK cÖ¯‘Z K‡i gqbv‡K w`j|
K RbZv e¨vsK L AMÖYx e¨vsK
gqbv †PKwU Beªvwn‡gi wbKU Aby‡gv`b K‡i K wbðqZvi Pzw³ L ÿwZc~i‡Yi Pzw³
M †mvbvjx e¨vsK N iƒcvjx e¨vsK
Ges Aby‡gv`‡bi mgq wVK Gi D‡ëv wc‡V M wegv‡hvM¨ ¯^v_© N mgc©Y g~j¨
9. F‡Yi cwigvY e„w× cvq Beªvwn‡gi bvg wj‡L ¯^vÿi K‡i †`q| gqbvi 28. Rxeb wegvq wegvMÖnxZvi g„Zz¨SzuwK Kx‡mi
i. e¨vsK nvi Kg‡j gva¨‡g wbY©q Kiv nq?
Aby‡gv`bK…Z †PKwU †Kvb ai‡bi Aby‡gv`b?
ii. †LvjvevRv‡i eÛ µq Ki‡j K k„•Ljvc~Y© Rxeb L ¯^v¯’¨m‡PZbZv
K kZ©mv‡c‡ÿ Aby‡gv`b
iii. Rgvi nvi evwo‡q w`‡j
L mxwgZ Aby‡gv`b M g„Zz¨nvicwÄ N Lv`¨vf¨vm
wb‡Pi †KvbwU mwVK? 29. Rxeb wegvi wcÖwgqv‡gi nvi wba©vi‡Yi wewfbœ
M duvKv Aby‡gv`b
N c~Y© Aby‡gv`b wel‡qi g‡a¨ c‡o
10. Avwgb GKRb cÖevmx kÖwgK| wZwb KvZv‡i
19. †µwWU Kv‡W©i myweav n‡jv i. wegvK…Z e¨w³i eqm
_v‡Kb| wZwb evsjv‡`‡ki Zvi ¯¿xi wbKU
i. FY myweav jvf Kiv hvq ii. wegvK…Z e¨w³i mvgvwRK gh©v`v
50,000 UvKv cvVv‡bvi K_v wPšÍv K‡ib| wZwb
ii. GwUGg †_‡K UvKv D‡Ëvjb Kiv hvq iii. wegvK…Z A‡_©i cwigvY
KvZv‡i Zvi e¨vsK‡K wb‡`©k w`‡jb Zvi ¯¿xi
e¨vsK wn‡m‡e UvKvwU †hb cvwV‡q †Ìqv nq| iii. cY¨ ev †mev µ‡q eënvi Kiv hvq wb‡Pi †KvbwU mwVK?
ciw`b Zvi ¯¿x Rvbv‡jv †h wZwb UvKv
†c‡q‡Qb| Avwgb mv‡n‡ei e¨vsK †Kvb K i I ii L i I iii M ii I iii N i, ii I iii 30. Rbve w`nvb GKwU Rxeb wegv cwjwm MÖnY K‡i
c×wZ‡Z evsjv‡`‡ki UvKv n¯ÍvšÍi K‡i‡Q? 20. B›Uvi‡bU e¨vswKs Gi gva¨‡g `k eQi wbw`©ó nv‡i wcÖwgqvg cÖ`vb K‡i|
K dvÛ UªvÝdvi L weKvk i. N‡i e‡m dvÛ UªvÝdvi Kiv hvq Pzw³i kZ©vbymv‡i w`nv‡bi g„Zzï ci Zuvi ¯¿x 10
M †UwjK¨vk N bM` eë¯’vcbv ii. wewfbœ ai‡bi Dc‡hvM wej cÖgvY Kiv hvq jÿ UvKv wegv`vwe MÖnY K‡ib| Rbve w`nvb
11. FDR †Kvb ai‡bi wnmv‡ei mv‡_ m¤úK©h³ y ? iii. wnmv‡ei e¨v‡jÝ Rvbv hvq †Kvb ai‡bi Rxeb wegv MÖnY K‡iwQ‡jb?
K mÂqx L ¯’vqx wb‡Pi †KvbwU mwVK? K †gqvw` Rxeb wegv L weï× Rxeb wegv
M PjwZ N we‡kl PjwZ K i I ii L i I iii M ii I iii N i, ii I iii M AvRxeb wegv N mvgwqK Rxeb wegv
1 M 2 L 3 N 4 M 5 L 6 K 7 N 8 M 9 K 10 K 11 L 12 K 13 K 14 L 15 L
16 K 17 L 18 L 19 N 20 N 21 L 22 K 23 L 24 N 25 K 26 L 27 L 28 M 29 L 30 M
49 knx` exi DËg †j. Av‡bvqvi Mvj©m K‡jR, XvKv welq †KvW : 2 9 3
1. †mvbvjx e¨vsK 25,000 UvKv g~‡jï GKwU 10. Beªvnxg wegvcÎwU †Kvb cÖK…wZi? 21. †Kvb e¨vswKs-G cÖavb e¨vsK †nvwìs e¨vs‡Ki
wd«R †Kbvi FY w`‡q MÖvnK‡K Zv 10 wKw¯Í‡Z K Rxeb wegv L AwMœ wegv `vwqZ¡ cvjb K‡i?
cwi‡kv‡ai my‡hvM †`q GwU †h ai‡bi FY M †bŠ wegv N mvgvwRK wegv K kvLv e¨vswKs L MÖæc e¨vswKs
wbqš¿Y c×wZ? 11. DÏxc‡K wegv`vwe Av`v‡q †Kvb Dcv`vbwU Acwinvh©? M †PBb e¨vswKs N GKK e¨vswKs
K ÿwZc~iY L cÖZ¨ÿ KviY
K FY eivÏKiY bxwZ 22. evwYwR¨K e¨vsK †Kvb bxwZ AbymiY K‡i mybvg
M cÖwZ¯’vcb N AwaKvi Ac©Y
L cÖZ¨ÿ eë¯’v AR©b K‡i?
12. wegvi †ÿ‡Î mwØk¦v‡mi m¤úK© bxwZwUi Zvrch© n‡jv
M ˆbwZK civgk© K Zvij¨ bxwZ L wewb‡qvM bxwZ
i. G‡Ki cÖwZ A‡bï wek¦vm ivLv
N †fvM¨c‡Yï FY wbqš¿Y M wbivcËv bxwZ N m”QjZv bxwZ
ii. wek¦vmf½g~jK KvR †_‡K weiZ _vKv
2. GKRb eëmvqxi PjwZ wnmve †Lvjvi KviY Kx? iii. cÖ‡qvRbxq mKj Z_¨ cÖKvk Kiv  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
K e¨vsK PvR© KZ©b Kiv nq bv wb‡Pi †KvbwU mwVK? wgbnvR †KbvKvUvi D‡Ï‡k¨ gv‡K©‡U wM‡q
L w`‡b hZevi Lywk UvKv Rgv †Ìqv hvq K i I ii L i I iii M ii I iii N i, ii I iii c‡K‡U nvZ w`‡q †`Lj Zvi gvwbe¨v‡M †Kv‡bv
M ¯^í nv‡i my` cvIqv hvq 13. wnmve †Lvjvi †ÿ‡Î e¨vsK evQvB‡q GKRb UvKv-cqmv †bB| †m gvwbe¨vM †_‡K GKwU
N RgvwZwi³ FY cvIqv hvq mvaviY MÖvn‡Ki wbKU †KvbwU Kg ¸iæZ¡c~Y©? KvW© †ei K‡i ATM ey_ †_‡K UvKv IVv‡jv
3. we‡k¦ eZ©gv‡b cÖPwjZ †µwWU KvW© n‡jv K e¨vs‡Ki Ae¯’vb
Ges †KbvKvUv †kl Kij|
i. Paypal L e¨vsK Kg©x‡ì eënvi
M e¨vs‡Ki Avw_©K mvg_©¨
23. wgbnvR †Kvb KvW© eënvi K‡i ATM ey_
ii. American Express
iii. VISA Card N cÖ`Ë †mev myweavmg~n †_‡K UvKv D‡Ëvjb Kij?
wb‡Pi †KvbwU mwVK? 14. †Kvb †ÿ‡Î ˆØZ wegv Kiv hvq bv? K †WweU KvW© L AvBwW KvW©
K i I ii L i I iii M ii I iii N i, ii I iii K RvnvR wegv L wegvb wegv M ¯§vU© KvW© N gv÷vi KvW©
4. †Kvb †`‡k cÖ_g B-e¨vswKs eë¯’v cÖeZ©b K‡i? M Rxeb wegv N AwMœ wegv 24. wgbnvR Zvi Kv‡W©i gva¨‡g †h ai‡bi myweav cvq
K †¯úb L Bsj¨vÛ 15. †Kvb ai‡bi Rxeb wegvc‡Îi †ÿ‡Î GKRb i. bM` A_© en‡bi SzuwK n‡Z gy³
M ivwkqvq N Av‡gwiKvq e¨w³ gviv †M‡j I wegvcÎ Pvjy _v‡K? ii. `ªæZ †jb‡`b m¤úbœ nq
K MÖæc L AvRxeb
5. wewbgq wej m¤ú‡K© wb‡Pi †h Dw³wU mwVK iii. mn‡R kwcs Kiv hvq
M †gqvw` N mvgwqK
i. ÷¨v¤ú jvMv‡Z nq wb‡Pi †KvbwU mwVK?
16. wg‡mm k¤úv GKRb abvX¨ gwnjv| gv‡S g‡a¨B
ii. Avw`‡ói ¯^xK…wZ ìKvi K i I ii L i I iii M ii I iii N i, ii I iii
we‡`‡k hvb| †`‡ki Ggb GKUv e¨vs‡K wnmve
iii. mvaviYZ PviwU cÿ _v‡K Ly‡j‡Qb †hLv‡b AbjvBb e¨vswKs myweav 25. n¯ÍvšÍi‡hvM¨ `wjj cwi‡kva‡hvM¨
wb‡Pi †KvbwU mwVK? we`¨gvb| e¨vsK Zv‡K wewfbœ AvaywbK †mev myweav K wbw`©ó mgq Av‡M L wbw`©ó mgq c‡i
K i I ii L i I iii M ii I iii N i, ii I iii Advi Ki‡Q| e¨vsK wgm k¤úv‡K †h mKj M †h‡Kv‡bv mgq N Kvh©wè‡m
6. wbKvk Ni Zvi Kvh©vewj †hfv‡e m¤úv`b K‡i AvaywbK myweav Advi K‡i‡Q Zv n‡Z cv‡i 26. †K›`ªxq e¨vsK n‡jv FY`v‡bi †kl
K f¨vU mieivn K‡i i. †WweU KvW© AvkÖq¯’jÕGwU Kvi Dw³?
L RbKj¨vY K‡i ii. †µwWU KvW© K Aa¨vcK wc. †K›U L WweøD G. ÔkÕ
M †`bv`vi n«vm K‡i iii. jKvi wm‡÷g M wKm I GjwKb
N mywbw`©ó bxwZgvjv AbymiY K‡i wb‡Pi †KvbwU mwVK? N Aa¨vcK Avi. wR n‡Uª
7. †KvbwUi Ici wfwË K‡i wegv eëmv‡q SzuwKi K i I ii L i I iii M ii I iii N i, ii I iii
17. cÖvPxb hy‡Mi eëmvqxiv †Kvb cš’vq wegvi 27. gv‡K©U †PK ejv nq
cwigvY I wcÖwgqv‡gi nvi wba©viY K‡i? i. wfmv KvW©‡K
K AvbycvwZK nv‡ii Ici
cÖPjb ïiæ K‡i?
K GKK wfwË‡Z L cwievi wfwË‡Z ii. gv÷vi KvW©‡K
L m¤¢ve¨ Z‡Ë¡i Ici
M `j wfwË‡Z N mgevq wfwË‡Z iii. GwUGg KvW©‡K
M †mevi Ici
18. wb‡Pi †Kvb g~jbxwZ Rxeb I m¤úwË me wb‡Pi †KvbwU mwVK?
N wbKUZg Kvi‡Yi Ici ai‡bi wegvi †ÿ‡ÎB cÖ‡hvR¨? K i I ii L i I iii M ii I iii N i, ii I iii
8. †hme Kvi‡Y e¨vsK wnmve eÜ K‡i †`q K Avw_©K ÿwZc~i‡Yi bxwZ 28. SLR kã ms‡ÿ‡ci cy‡ivkã †KvbwU?
i. MÖvn‡Ki g„Zz¨ n‡j L cÖZ¨ÿ Kvi‡Yi bxwZ K Statutory Liquidity Reserve
ii. MÖvnK cÖZviK n‡j M AvbycvwZK AskMÖn‡Yi bxwZ L Standard Liquidity Reserve
iii. MÖvnK cvMj n‡j N ¯’jvwfwl³KiY bxwZ M Statutory Liquidity Requirement
19. †h wegvc‡Îi wcÖwgqvg wbw`©ó mgq ch©šÍ N Standard Liquidity Rate
cwi‡kva Kiv nq 29.
9. †h wnmve bevqb‡hvM¨ wKš‘ wbw`©ó †gqv‡ì Rb¨ K GKK wKw¯Ím¤úbœ wegvcÎ
Kiv nq Zv‡K Kx e‡j? L mxwgZ wKw¯Ím¤úbœ wegvcÎ 1 2 3 4
M Aweivg wKw¯Ím¤úbœ wegvcÎ
K ¯’vqx wnmve L mÂqx wnmve
N iƒcvšÍi‡hvM¨ wegvcÎ
M PjwZ wnmve N kÖwgK mÂqx wnmve Dc‡ii †KvbwU we‡klfv‡e `vMKvUv †P‡Ki
20. Rbve Avwjg RvwZms‡Ni kvwšÍiÿx wgk‡b Nvbvq
 DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : bgybv?
Av‡Qb| hvIqvi c~‡e© wZwb wb‡Ri Rb¨ ¯^í
wg. Beªvnxg GKRb KuvPv cvU eëmvqx| K1 L2
wcÖwgqv‡g Rxeb wegv K‡iwQ‡jb| †`‡k wd‡i G‡m
AwMœRwbZ ÿwZi nvZ †_‡K iÿv †c‡Z wZwb wZwb wegvcÎ Avevi bevqb Ki‡jb| Rbve Avwjg M3 N4
GKwU wegvcÎ MÖnY K‡i‡Qb| cv‡Ui `vg c‡o †Kvb ai‡bi Rxeb wegvcÎ msMÖn K‡i‡Qb? 30. †Kvb †PK nvwi‡q †M‡j `ªæZ e¨vsK‡K Rvbv‡Z nq?
hvIqvq AwMœKvÐ NwU‡q wegvKvix eivei `vwe K AvRxeb wegvcÎ L mvgwqK K evnK †PK L ûKzg †PK
†ck K‡ib| M mvaviY †gqvw` N weï× †gqvw` M `vMKvUv †PK N we‡kl †PK
1 N 2 N 3 M 4 N 5 K 6 N 7 L 8 N 9 K 10 L 11 L 12 M 13 L 14 M 15 K
16 K 17 N 18 L 19 L 20 L 21 L 22 N 23 K 24 N 25 L 26 N 27 N 28 N 29 N 30 K
50 miKvwi AvwRRyj nK K‡jR, e¸ov welq †KvW : 2 9 3

1. Ôgy`ªvi cÖ‡qvR‡bB G‡m‡Q e¨vsKÕK_vwU 10. DÏxc‡K DwjøwLZ cÖwZôv‡bi Rb¨ †Kvb 21. †Kvb bxwZi wfwË‡Z GKB m¤úwË GKvwaK
†K e‡j‡Qb? ai‡bi wnmve Dc‡hvMx? †Kv¤úvwbi wbKU wegv Kiv nq?
K g¨vKwjW L nvbœv K mÂqx wnmve L PjwZ wnmve K cÖZ¨ÿ KviY L ¯’jvwfwl³KiY
M Avi.wc. K¨v›U N jyKv c¨vwmIwj M ¯’vqx wnmve M AvbycvwZK AskMÖnY
2. †Kvb †Kvb e¨vs‡Ki mgš^‡q wgkÖ e¨vswKs MwVZ? N we‡kl PjwZ wnmve N Avw_©K ÿwZc~iY
K AvgvbZ I wewb‡qvM 11. wnmve Lyj‡Z †M‡j Zv‡ì Av‡e`bc‡Îi  DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI :
L AvgvbZ I mÂq mv‡_ AviI Rgv w`‡Z n‡e wg. wWjvb Zvi ¸`v‡g iwÿZ gvjvgv‡ji
M FY`vb I wewb‡qvM i. †UªW jvB‡mÝ ÿwZc~i‡Yi Rb¨ Gwj‡Kv wegv †Kv¤úvwbi
N wkí I K…wl ii. Askx`vwi Pzw³cÎ mv‡_ †ek wKQy kZ©vw` D‡jøL K‡i GKwU
3. A_© ej‡Z eySvq iii. msNwewai Abywjwc wegvPzw³ m¤úv`b K‡ib|
i. wewbg‡qi gva¨g wb‡Pi †KvbwU mwVK? 22. DÏxc‡K DwjøwLZ wegvi kZ©vw` †K cvjb Ki‡e?
ii. g~‡jï cwigvcK K i I ii L ii I iii K wegvKg©x L wegvKvix
iii. mÂ‡qi evnb M i, ii I iii N i I iii M wegvMÖnxZv
wb‡Pi †KvbwU mwVK? 12. †Kvb wnmv‡ei gvwjK‡K e¨vsK †PKeB N wegvKvix I wegvMÖnxZv
K i I ii L i I iii M ii I iii N i, ii I iii mieivn K‡i bv? 23. DÏxc‡K wegv Pzw³wU †Kvb ai‡bi?
4. †KvbwU cÖ_g mb`cÖvß miKvwi e¨vsK? K mÂqx wnmve L ¯’vqx wnmve K `vq L m¤úwË
K e¨vsK Ae †R‡bvqv M PjwZ wnmve N ê‡`wkK gy`ªv wnmve M `yN©Ubv N cY¨ `vq
L e¨vsK Ae Rvcvb 13. wewbgq we‡ji †ÿ‡Î wjwLZ we‡j ¯^xK…wZ 24. me©cÖ_g †Kvb wegvi cÖPjb nq?
M e¨vsK Ae Bsj¨vÛ †`q †K? K Rxeb wegv L †bŠ wegv
N wiKm e¨vsK Ae myB‡Wb K cvIbv`vi L †µZv
M AwMœwegv N `yN©Ubv wegv
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : M eëmvqx N e¨vsK
25. wegvi D‡Ïk¨ n‡jv
ÔKÕ e¨vs‡K ÔLÕ e¨vs‡Ki, ÔLÕ e¨vs‡K ÔMÕ 14. †KvbwU n¯ÍvšÍi‡hvM¨ `wjj?
i. SzuwK n«vm
e¨vs‡Ki, ÔMÕ e¨vs‡K ÔNÕ e¨vs‡Ki wKQy †PK K †UªRvwi wej L gvwb AW©vi
ii. cybM©Vb
Dc¯’vwcZ nq| D³ †PK¸‡jv wb®úwËi Rb¨ ÔOÕ M †c-AW©vi N miKvwi †bvU
iii. g~jab MVb
e¨vs‡Ki ZË¡veav‡b wZbwU e¨vsK wgwjZ nq| 15. ågYKvixi Rb¨ cÖ‡hvR¨
5. DÏxc‡K ÔOÕ e¨vsKwU †Kvb ai‡bi e¨vsK? i. åvg¨gvY †bvU
K evwYwR¨K e¨vsK L †K›`ªxq e¨vsK ii. åvg¨gvY cÖZ¨qcÎ
M Bmjvgx e¨vsK N AvÂwjK e¨vsK
26. mgc© Y g~j¨ †Kvb wegvi †ÿ‡Î cÖ‡hvR¨?
iii. cÖZ¨qcÎ
K Rxeb wegv L †bŠ-wegv
6. D³ †jb‡`b¸wj wb®úwËi KvR‡K Kx ejv nq? wb‡Pi †KvbwU mwVK?
M AwMœ wegv N km¨ wegv
K wbixÿvi KvR L wbKvk Ni K i I ii L ii I iii
M wnmveiÿY N mgš^qKiY
27. bevq‡bi cÖ ‡ qvRb c‡o Ggb Rxeb
M i, ii I iii N i I iii
7. evsjv‡`‡ki †K›`ªxq e¨vs‡Ki gvwjKvbvi 16. cÖ¯‘ZK…Z Zvwi‡Li KZ w`b ci †Kvb †PK wegvcÎ †KvbwU?
cÖK…wZ Kx? K AvRxeb wegvcÎ L hyM¥ wegvcÎ
evwm †PK wnmv‡e cwiMwYZ nq?
K miKvwi L †emiKvwi M †gqvw` wegvcÎ N mvgwqK wegvcÎ
K 1 gvm L 3 gvm
M ¯^vqËkvwmZ N †hŠ_ M 6 gvm N 12 gvm
28. Rxeb wegv Pzw³ m¤úv`b cÖwµqvq me©cÖ_g
8. A_©‰bwZK w¯’wZkxjZv iÿvi g~j `vwqZ¡ Kvi? 17. MICR †KvbwUi mv‡_ m¤ú„³? †Kvb KvRwU Ki‡Z nq?
K †K›`ªxq e¨vs‡Ki K †PK L cÖZ¨qcÎ
K cÖ ¯ Í v e cÖ ` vb
L evwYwR¨K e¨vs‡Ki M †WweU KvW© N †µwWU KvW© L cÖ v _wgK Avby ôvwbKZv
M we‡klvwqZ e¨vs‡Ki 18. ATM KvW© †Kb eënvi Kiv nq? M Wv³vwi cixÿv I wi‡cvU©
N miKv‡ii K wej evÆvKiY L FY wbqš¿Y N cÖ ¯ Í v e MÖ n Y
9. evwYwR¨K e¨vsK Kvi AbyK‚‡j cÖZ¨qcÎ M A_© D‡Ëvjb N g~jab MVb 29. Rxeb wegvi wcÖwgqvg wbY©‡q ¸iæZ¡c~Y ©
Bmy¨ K‡i? 19. B-e¨vswKs Gi me‡P‡q eo cÖwZeÜKZv i. wegvc‡Îi g~ j ¨
K Avg`vwbKviK L ißvwbKviK †KvbwU? ii. MÖnxZvi eqm
M †K›`ªxq e¨vsK N miKvi K A_© L Pvwn`v iii. MÖnxZvi †ckv
 DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : M wbivcËv N †hvMv‡hvM wb‡Pi †KvbwU mwVK?
BwZ I w`wZ `yRb Askx`vi| Zviv ÔeÜy 20. AbjvBb e¨vswKs †Kvb ai‡bi eë¯’vq K i I ii L i I iii M ii I iii N i, ii I iii
†UªWvm©Õ bv‡g eëmvq cwiPvjbv K‡i| AwaK Dc‡hvMx? 30. g„Zz¨ nvi †Kvb wegvi mv‡_ m¤úK©h³ y ?
m¤úÖwZ Zviv eëmvi Rb¨ GKwU wnmve K GKK L kvLv K Rxeb wegv L †bŠ wegv
†Lvjvi wm×všÍ wb‡jb| M MÖæc N †PBb M AwMœ wegv N mvgvwRK wegv
1 L 2 K 3 N 4 N 5 L 6 L 7 K 8 K 9 L 10 L 11 K 12 L 13 L 14 K 15 K
16 M 17 K 18 M 19 M 20 L 21 M 22 N 23 L 24 L 25 L 26 K 27 N 28 K 29 N 30 K
51 h‡kvi miKvwi gwnjv K‡jR welq †KvW : 2 9 3

1. wegvKvix KZ…©K A‡bï SzuwK MÖn‡Yi g~j¨‡K 11. wegvi KvR n‡jv 21. †Kvb ai‡bi †P‡Ki Rb¨ wbKvkN‡ii
Kx e‡j? i. gybvdv AR©b mnvqZv we‡klfv‡e cÖ‡qvRb?
K e„wË L wcÖwgqvg ii. Avw_©K wbivcËv K ûKzg L evnK
M gybvdv N †evbvm iii. Sz w
u K eÈb M ågYKvixi N `vMKvUv
2. †Kvb ai‡bi wegvc‡Îi †ÿ‡Î GKK wKw¯Í wb‡Pi †KvbwU mwVK? 22. wewbgq we‡ji ¯^ x K… w ZKvixmn †gvU KqwU
cwiKíbv we‡klfv‡e cÖ‡hvR¨? K i L iii cÿ _v‡K?
K mvgwqK L e„wË M ii I iii N i I iii K2 L3
M †gqvw` N AvRxeb
12. wegvPz w ³‡Z KqwU cÿ _v‡K? M 4 N5
K2 L3  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
3. Rxeb wegvPzw³‡Z AwZ cÖ‡qvRbxq Dcv`vb
M4 N5 wbie e¨vsK mRxe †`‡ki †bvU I gy`ªv
†KvbwU?
13. wegv gvby‡li nZvkv I AwbðqZv `~ixf‚Z cÖPj‡bi GK‡PwUqv ÿgZv iv‡L GB
K cÖwZ`vb L P‚ovšÍ mwØk¦vm
K‡i m„wó K‡i cÖ‡qvR‡b wbie e¨vsK †bvU Bmyï †ÿ‡Î
M cvi¯úwiK Av¯’v N mgc©Y g~j¨
i. RvZxq wbivcËv 25% ¯^Y© I Ab¨vb¨ m¤úwË wiRvf© wnmv‡e
4. wb‡Pi †Kvb bxwZwU Rxeb wegvi ewnf‚©Z?
ii. mvgvwRK wbivcËv msiÿY K‡i|
K cÖwZ¯’vcb L g‡bvbqb
iii. e¨w³K wbivcËv 23. wbie e¨vsK mRxe †`‡ki †Kvb ai‡bi
M wcÖwgqvg N mgc©Y g~j¨
wb‡Pi †KvbwU mwVK? e¨vsK?
5. `yRb wegvKvixi g‡a¨ m¤úvw`Z nq †h K i I ii L i I iii K †K›`ªxq L cÖvPxb
wegv Zv n‡jv M ii I iii N i, ii I iii M ivóªxq N evwYwR¨K
K ˆØZ wegv L †hŠ_ wegv 14. B‡jKUªwbK e¨vswKs eë¯’v cÖeZ©‡bi d‡j 24. wbie e¨vsK hw` eZ©gv‡bi †P‡q †ewk †bvU
M c~Y© wegv N †Mvôx wegv e„w× †c‡q‡Q I gy`ªv Bmy¨ Ki‡Z Pvq
 DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : K eëmv‡qi gybvdv K wiRvf© 25% †_‡K evo‡e
mgxi I wkgy `yRb Askx`vi| GKUv L Avgvb‡Zi MwZkxjZv L wiRvf© 25% †_‡K Kg‡e
wegvc‡Îi Aax‡b Zviv `y R‡bi Rxeb wegv M FYcÖ`v‡b MwZkxjZv M wiRv‡f© †Kv‡bv cÖfve co‡e bv
Ki‡Z Pvb| Gai‡bi wegvc‡Î wcÖwgqv‡gi N MÖvn‡Ki †mevi gvb e„w× N wiRvf© AcwiewZ©Z _vK‡e
nvi †hgb Kg †Zgwb bevqb‡hvM¨| 15. †µwWU Kv‡W©i gva¨‡g Kiv hvq 25. A½xKvic‡Î KqwU cÿ _v‡K?
6. D³ Askx`v‡ii msM„nxZ wegvcÎ K wej Av`vq L A_© ¯’vbvšÍi K2 L3
wegvMÖnxZvi msL¨vi wfwË‡Z †Kvb ai‡bi M FY cwi‡kva N cY¨ µq M4 N5
wegvcÎ e‡j? 16. †P‡Ki cÖ ¯ ‘ ZKviK‡K Kx e‡j? 26. e¨vsK Ae Bsj¨vÛ KZ mv‡j cÖwZwôZ nq?
K ˆØZ L hyM¥ K cÖ v cK L Aby ‡gv`bKvix K 1656 L 1668
M Av‡`óv N Avw`ó M 1694 N 1696
M MÖæc N mvgwqK
7. `yB Askx`v‡ii msM„nxZ wegvcÎ †gqv‡ì 17. †PK cÖ¯‘‡Zi KZgvm c‡i †mwU evwm †PK 27. †P‡K `vMKvUvi AwaKvix n‡jb
e‡j cwiMwYZ nq? i. Av‡`óv
wfwË‡Z †Kvb ai‡bi wegvcÎ e‡j?
K3 L4 ii. Avw`ó
K ¯^í‡gqvw` L †gqvw`
M5 N6 iii. cÖvcK
M AvRxeb N mvgwqK
18. weµq we›`y †mevi DcKiY n‡jv wb‡Pi †KvbwU mwVK?
8. †Kvb ai‡bi wegvi g‡a¨ w`‡q wegv
i. GwUGg ey_ K i I ii L ii I iii
eëmv‡q hvÎv ïiæ K‡ib? M i I iii N i, ii I iii
ii. GwUGg KvW©
K Rxeb L †bŠ 28. wbKvk Ni eë¯’ v me© cÖ_g Pvjy nq †Kvb
iii. KvW© GKwU‡f‡UW Uvwg© bvj
M AwMœ N `yN©Ubv wb‡Pi †KvbwU mwVK? †`‡k?
9. 1666 mv‡j e¨vcK AwMœKv‡Ði NUbv N‡U K i I ii L ii I iii K hy³ivR¨ L hy³ivóª
†Kv_vq? M i I iii N i, ii I iii M fviZ N Rvcvb
K jÛ‡b L c¨vwi‡m 19. `vMKvUv †PK mvaviYZ KZ cÖKvi nq? 29. Avay w bK A_© b xwZi Rxebkw³ †KvbwU?
M wbDBq‡K© N †iv‡g K2 L3 K e¨vsK L A_©
10. evsjv‡`‡k Kq ai‡bi wegv cÖwZôvb †`Lv M4 N5 M g~jab N wewb‡qvM
hvq? 20. †Kvb wegvi †ÿ‡Î MÖæc wegv cÖ‡hvR¨? 30. e¨vs‡Ki Rbbx ejv nq Kv‡K?
K2 L3 K Rxeb L †bŠ K FY L gy`ªv
M4 N5 M AwMœ N km¨ M gnvRb N ¯^Y©Kvi
1 L 2 M 3 K 4 K 5 M 6 L 7 N 8 L 9 K 10 K 11 M 12 K 13 M 14 N 15 N
16 M 17 N 18 L 19 K 20 K 21 N 22 M 23 K 24 K 25 K 26 M 27 M 28 K 29 K 30 L
52 Kzwgjøv wf‡±vwiqv miKvwi K‡jR welq †KvW : 2 9 3

1. we‡k¦i cÖ_g e¨vsK †KvbwU? 10. GKRb PvKwiRxex mÂqx wnmve †Lv‡jb †Kb? 20. evsjv‡`‡k cÖ_g gy‡Vv‡dvb e¨vswKs myweav
K e¨vsK Ae †fwbm L kvÝx e¨vsK K e¨vsK PvR© KZ©b Kiv nq bv e‡j Pvjy K‡i †Kvb e¨vsK?
M e¨vsK Ae mvbRwR©I L ¯^í nv‡i my` cvIqv hvq e‡j K WvP evsjv e¨vsK L eª¨vK e¨vsK
N e¨vsK Ae evwm©‡jvbv M w`‡b hZevi Lywk UvKv D‡Ëvj‡bi Rb¨ M Iqvb e¨vsK N †mvbvjx e¨vsK
2. e¨vsK‡K avi Kiv A‡_©i aviK ejvi N RgvwZwi³ FY cvIqvi Rb¨ 21. cY¨`ª e ¨ evwK‡Z µq Kiv hvq †Kvb Kv‡W©i gva¨‡g?
†cQ‡b AwaKZi †hŠw³K KviY †KvbwU? K †WweU KvW© L †µwWU KvW©
11. e¨vsK wnmve Lyj‡Z cwiPq`vbKvix
K AvgvbZK…Z A_© Rgv K‡i e‡j M K¨vk KvW© N GwUGg KvW©
L AvgvbZK…Z A_© avi †`q e‡j
mvaviYZ †K nb?
K Av‡e`bKvixi AwffveK
22. evnK †PK I ûKz g †P‡Ki g‡a¨ cv_©K¨ n‡jv
M e¨vsK †_‡K avi wb‡q avi †`q e‡j i. evnK †PK ûKzg †PK A‡cÿv Kg wbivc`
N FY`vZv‡ì KvQ †_‡K FY wb‡q FY L e¨vs‡Ki GKRb MÖvnK
ii. evnK †PK `vMKvUv †M‡jI ûKzg †P‡K
†`q e‡j M BDwbqb/†cŠimfvi †Pqvig¨vb
Zv m¤¢e bq
3. gvB‡µv dvBbvÝ ms¯’v †Kvb e¨vsK? N e¨vs‡Ki GKRb Kg©KZ©v
iii. evnK †PK Avek¨K bv n‡jI ûKzg
K MÖvgxY e¨vsK L †mvbvjx e¨vsK 12. e¨vsK RgvwZwi‡³i myweav _v‡K †Kvb †PK n¯ÍvšÍi Aby‡gv`b Avek¨K
M RbZv e¨vsK N b¨vkbvj e¨vsK ai‡bi wnmv‡e? wb‡Pi †KvbwU mwVK?
4. bgybv ¯^vÿi Kv‡W©i welq n‡jv K mÂqx wnmv‡e L PjwZ wnmv‡e K i I ii L i I iii M ii I iii N i, ii I iii
i. wnmv‡ei wk‡ivbvg I MÖvn‡Ki bvg M ¯’vqx wnmv‡e N wWwcGm wnmv‡e 23. †Kvb ai‡bi wegv‡Z ˆbwZK SzuwK †ewk?
ii. bwgbxi bvg I ¯^vÿi 13. Mviwbwk AW©v‡ii cwimgvwß N‡U K Rxeb L †bŠ
iii. MÖvn‡Ki ¯^vÿi M AwMœ N `vq
i. `k eQi c~Y© n‡j
wb‡Pi †KvbwU mwVK? 24. wb‡Pi †KvbwU wegv‡hvM¨ SzuwK?
ii. A_© Av`vq n‡q †M‡j
iii. Av`vj‡Zi Av‡`k cÖZ¨vnvi n‡j K eb¨v L f‚wgK¤ú
5. †Kvb e¨vsK‡K Mother of Central Bank M `ywf©ÿ N m¤ú`nvwb
ejv nq? wb‡Pi †KvbwU mwVK?
K i I ii L i I iii M ii I iii N i, ii I iii 25. wegvcÎ Pvjv‡Z Amg_© n‡j wegv †Kv¤úvwb wegv
K wi¼ e¨vsK Ae myB‡Wb
14. `vMKvUv †PK Kvi wbivcËv wbwðZ K‡i? MÖ n xZv‡K †h g~ j ¨ †diZ †`q Zv‡K Kx e‡j?
L †dWv‡ij wiRvf© wm‡÷g
K †evbvm L e„wË
M e¨vsK Ae Bsj¨vÛ K Av‡`óv L Avw`óv
M mgc©Y g~j¨ N gybvdv
N e¨vsK Ae d«vÝ M cÖvcK N evnK
6. †bvU I gy`ªvi cÖPjb †K›`ªxq e¨vs‡Ki †Kvb 15. MICR †KvbwUi mv‡_ m¤ú„³?  DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI :
ai‡bi Kvh©vewji AvIZvfz³? May e¨vsK gvj‡qwkqvi †bvU I gy`ªv Bmy¨
K †PK L cÖZ¨qbcÎ
K mvaviY L miKv‡ii e¨vsK Kivi GK‡PwUqv ÿgZv iv‡L| G Kvi‡YB
M †WweU KvW© N †µwWU KvW©
M Ab¨ e¨vs‡Ki e¨vsK N DbœqbmsµvšÍ e¨vsKwU †bvU Bmy¨ Kivi †ÿ‡Î 20% ¯^Y©
16. GKwU êa †P‡Ki m‡e©v”P †gqv`Kvj KZ w`b? Ges Ab¨vb¨ Avw_©K m¤úwË wiRvf© wn‡m‡e
7. SLR kã ms‡ÿ‡ci cy‡iv kã †KvbwU? K 30 L 90
K Statutory Liquidity Reserve msiÿY K‡i _v‡K|
L Standard Liquidity Reserve M 180 N 360 26. May e¨vsK gvj‡qwkqvq †Kvb ai‡bi
M Statutory Liquidity Requirment  DÏxcKwU c‡o 17 I 18bs cÖ‡kœi DËi `vI : e¨vs‡Ki f‚wgKv cvjb Ki‡Q?
N Standard Liquidity Rate wg. †mŠif Zvi †gqvw` wegvcÎwU wegv`vwe K evwYwR¨K L †K›`ªxq
 DÏxcKwU c‡o 8 I 9bs cÖ‡kœi DËi `vI : cwi‡kv‡ai Rb¨ Dc¯’vcb K‡i‡Qb| Zvi M we‡klvwqZ N AvšÍR©vwZK
Z¡Kxi evev Amy¯’ n‡q nvmcvZv‡j fwZ© cÖK…Z eqm 55 n‡jI wZwb wegvc‡Î eqm 27. May e¨vsK eZ©gv‡bi †P‡q †ewk †bvU I
n‡q‡Qb| Zv‡K iv‡Z Riæwi Kv‡R XvKvq 45 D‡jøL K‡iwQ‡jb| gy`ªv Bmy¨ Ki‡Z n‡j Kx Ki‡Z n‡e?
†h‡Z n‡e| mg‡qi Afv‡e e¨vsK †_‡K K wiRv‡f©i cwigvY 20% †_‡K Kgv‡e
17. DÏxc‡K Rbve †mŠif wegvi †Kvb bxwZwU
UvKv DVv‡Z cv‡iwb| evmvq bM` UvKvI L wiRv‡f©i cwigvY 20% †_‡K evov‡e
†ewk †bB| wbiæcvq n‡q †PK eBUv mv‡_ jsNb K‡i‡Qb?
M wiRv‡f©i cwigvY AcwiewZ©Z ivL‡e
wb‡qB XvKvq iIqvbv n‡jb| XvKvq †cuŠ‡Q K wegv‡hvM¨ ¯^v_© L P‚ovšÍ mwØk¦vm
N wiRv‡f©i cwigvY †Kv‡bv cÖfve †dj‡e bv
UvKv DVv‡Z mgm¨v nqwb| M ¯’jvwfwl³KiY N ÿwZc~iY
28. †bŠ wegvq ÔZ¨vM ¯^xKviÕ †Kvb ÿwZi AvIZvfz³?
8. wg. Z¡Kxi UvKv DVv‡Z mgm¨v bv nIqvi 18. DÏxc‡K DwjøwLZ †cÖÿvc‡U wegv †Kv¤úvwbi K cÖK…Z mvgwMÖK
KviY Kx? KiYxq n‡jv L we‡kl AvswkK
K AbjvBb e¨vswKs L mbvZb e¨vswKs K wegv`vwe cÖZ¨vL¨vb Kiv M D×vi‡hvM¨ mvgwMÖK
M GwUGg KvW© N †nvg e¨vswKs L mgc©Y g~j¨ cwi‡kva Kiv N mvaviY AvswkK
9. DÏxc‡Ki Av‡jv‡K Z¡Kxi wbKU †P‡Ki M c~Y© `vwe cwi‡kva Kiv 29. wegvMÖnxZvi g„Zz¨‡Z †K wegvK…Z A_© cv‡e?
weKí n‡Z cviZ N wcÖwgqvg †diZ †Ìqv K ¯¿x L DËivwaKvi
i. †WweU KvW© 19. ATM n‡jv M cyÎ N g‡bvbxZ e¨vw³
ii. †µwWU KvW© K Accounts Transfer Machine 30. wegvK…Z e¨w³i g„Zzï ci wegv`vwe cwi‡kva
iii. wWmKvD›U KvW© L Automated Teller Machine Kiv nq †Kvb wegvq?
wb‡Pi †KvbwU mwVK? M Automatic Transfer Method K Rxeb wegvq L AvRxeb wegvcÎ
K i I ii L i I iii M ii I iii N i, ii I iii N Automatic Teller Machine M mvgwqK wegvcÎ N †Mvôx wegv
1 L 2 L 3 K 4 L 5 M 6 K 7 M 8 K 9 K 10 L 11 L 12 L 13 M 14 M 15 K
16 M 17 L 18 K 19 L 20 K 21 L 22 L 23 M 24 N 25 M 26 L 27 L 28 N 29 N 30 L
53 miKvwi nvRx gynv¤§` gnwmb K‡jR, PÆMÖvg welq †KvW : 2 9 3

1. evwYwR¨K e¨vsK †KvbwU Bmy¨ K‡i? 11. Av`wk©K SzuwKi gvÎv KZ? 21. `vMKvUv †PK Kvi wbivcËv wbwðZ K‡i?
K cÖZ¨qcÎ L e¨vsK †bvU K < 75 L 75  125 K evnK L Av‡`óv
M miKvwi †bvU N †UªRvwi wej M 125  150 N 150  500 M cÖvcK N Avw`ó
2. †Kvb †P‡Ki A_© e¨vs‡Ki gva¨‡g msMÖn 12. †Kvb wnmv‡ei wec‡ÿ e¨vsK RgvwZwi³ 22. g„Zz¨nvi Kv‡K e‡j?
Kiv nq? FY gÄyi K‡i? K RbcÖwZ g„Zz¨nvi
K evnK †PK L ûKzg †PK K PjwZ L mÂqx L wegvK…Z e¨w³i msL¨v
M Dcnvi †PK N `vMKvUv †PK M ¯’vqx M nvRvi cÖwZ g„Zz¨nvi
3. †Kvb wegvi gva¨‡g wegv eëmv‡q hvÎv ïiæ nq? N FY AvgvbwZ wnmve N evwl©K g„Zzï nvi
K AwMœ wegv L †bŠ wegv  DÏxcKwU c‡o 13bs cÖ‡kœi DËi `vI :  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
M `vq wegv N Rxeb wegv Rbve mywRZ Rbve knx‡ì KvQ †_‡K ˆZwi †cvkvK eëmvqx Rbve iweb Pxb
4. evsjv‡`‡k wegv eë¯’vi wbqš¿K ms¯’vi 1.1.22 Zvwi‡Li GKwU evnK †PK †_‡K hš¿cvwZ Avg`vwb K‡ib| GRb¨ wZwb
bvg †KvbwU? †c‡jb| Rbve mywR‡Zi wcqb †PKwU c‡Yï cÖvK…wZK `y‡h©vM I AwMœKv‡Ði ÿwZi
K DIAC L BIDC 1.8.22 Zvwi‡L fv½‡Z †M‡j e¨vsK Rb¨ wccjm& BÝy¨‡i‡Ýi mv‡_ wegvPzw³
M BIDA N IDRA †P‡Ki A_© w`‡Z A¯^xK…wZ Rvbvq| K‡ib, mgy`ªc‡_ RvnvRwU `my¨ KZ…©K
13. Rbve mywR‡Zi †PKwU †Kvb ai‡bi wQj? AvµvšÍ n‡q mKj hš¿cvwZ †Lvqv hvq|
K `vMKvUv †PK L we‡kl `vMKvUv †PK
ÔmyMÜv e¨vsK wj.Õ cÖwZwôZ nIqvi Rbve iweb wegv`vwe †ck K‡ib wccjm&
M duvKv †PK N evwm †PK
K‡qKw`‡bi g‡a¨ G GÛ †R e¨vsK wj. 14. B‡jKUªwbK e¨vswKs eë¯’vq PIN k‡ãi BÝy¨‡iÝ ÿwZc~iY w`‡Z A¯^xK…wZ Rvbvq|
e¨vsKwUi 55% †kqvi µq K‡i †bq| 23. Rbve iwe‡bi wegvPzw³wU †Kvb ai‡bi wQj?
c~Y© kãiƒc Kx?
5. ÔmyMÜv e¨vsKÕ eZ©gv‡b †Kvb ai‡bi e¨vsK? K Private Identification Number K †bŠ L AwMœ
K we‡klvwqZ L †PBb L Public Identification Number M `y N© U bv N mvgvwRK
M mvewmwWqvwi N †nvwìs M Personal Identification Number 24. wegvPzw³i †Kvb Dcv`v‡bi Afv‡e Rbve
N Oersonnel Identification Number iweb ÿwZc~iY cvbwb?
6. G GÛ †R e¨vs‡Ki êwkó¨ n‡jv
 DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : K ¯’jvwfwl³Zv L cÖZ¨ÿKiY
i. myMÜv e¨vs‡Ki Z`viK I wbqš¿Y Kiv
Avwei GKwU d¨v±wi‡Z ¯^í †eZ‡b PvKzix M cig wek¦vm N AvbycvwZK
ii. G GÛ †R bv‡g myMÜv e¨vsK
K‡i| cwiev‡ii Avw_©K wbivcËvi K_v 25. evwYwR¨K e¨vsK Kxfv‡e Zv‡ì Zvij¨
cwiPvwjZ nIqv wPšÍv K‡i GKwU wegvcÎ MÖnY K‡i Ges
iii. myMÜv e¨vs‡Ki cwiPvjbv bxwZwba©viY bxwZ †g‡b P‡j
2000 UvKv K‡i AvRxeb Rgv w`‡eb| K e¨vs‡Ki †fv‡ë bM` A_© Rgv †i‡L
K‡i †Ìqv 15. Rbve Avwei cÖ`Ë 2,000 UvKv‡K Kx e‡j?
wb‡Pi †KvbwU mwVK? L wewbg‡qi gva¨g m„wó K‡i
K e„wË L wcÖwgqvg
K i I ii L i I iii M ii I iii N i, ii I iii M †K›`ªxq e¨vs‡Ki mv‡_ Pzw³ K‡i
M †evbvm N mgc©Y
N FY AvgvbZ m„wó K‡i
7. wb‡Pi †Kvb kã n‡Z Bank k‡ãi DrcwË? 16. Rbve Avwe‡ii GB wegvcÎwUi ¸iæZ¡ n‡jv
K Banco L Bancu i. mÂq e„w×‡Z mnvqZv
M Banky N Banki e¨vsK evwYwR¨K MÖvnK‡ì g‡a¨
ii. e„× eq‡mi Aej¤^b
8. SLR kã ms‡ÿ‡ci cy‡iv kã †KvbwU? iii. g„Zz¨RwbZ `y`©kv jvNe
nvi e¨vs‡Ki FY MÖn‡Y ?
K Statutory liquidity rate e„w× my‡ì nvi wbiærmvn
L Sattutory liquidity requirement
e„w×
M Statutory liquidity reserve K i I ii L i I iii M ii I iii N i, ii I iii 26. Ô?Õ ¯’v‡b Kx em‡e?
N Standard liquidity rate 17. Mviwbwk AW©vi †Kvb c‡ÿi ¯^v_© iÿvi K evRv‡i F‡Yi cwigvY n«vm
Rb¨ †Ìqv nq? L evRv‡i F‡Yi cwigvY e„w×
K e¨vs‡Ki L MÖvn‡Ki M evRv‡ii F‡Yi cwigvY AcwiewZ©Z
wg. iwng cÖwZw`b †gvUimvB‡K‡j P‡o Awd‡m M FY`vZvi N iv‡óªi N Kg©ms¯’vb e„w×
hvb| wZwb `yN©Ubvi e¨vcviwU wb‡q LyeB fxZ| 18. ZvwjKvfz³ e¨vsK‡K †K›`ªxq e¨vs‡Ki Kv‡Q 27. MICR †KvbwUi mv‡_ m¤ú„³?
wKš‘ wZwb Rxeb wegv mi‡Z AvMÖnx bq| wegv Avgvb‡Zi GKwU Ask eÛ wK‡b Zij K †µwWU L †WweU
cÖwZwbw` ej‡jb, Rxeb wegv bv Ki‡jI Zv‡ì m¤ú` wnmv‡e ivL‡Z nq| Gi bvg Kx? M wfmvKvW© N †PK
cÖwZôv‡b G ai‡bi Ab¨ wegv Kiv hv‡e| K SLR L SRR 28. GKRb e¨w³i AviI Wv³vwi cixÿv
9. wegv cÖwZwbwa wg. iwng‡K †Kvb ai‡bi M CRR N e¨v‡mj-2 †LuvRLei †bIqv cÖ‡qvRb| Rxeb wegv
wegv Kivi civgk© w`‡q‡Qb e‡j g‡b nq? 19. wegv‡hvM¨ ¯^v_© †bB Ggb †ÿÎ †KvbwU? cÖ¯Ív‡ei GB Ae¯’v †Kvb †kÖwYi AšÍfz©³?
K `yN©Ubv wegv K ¯^vgxi Rxe‡b ¯¿xi
K 1g L 2q
L e¨w³MZ `yN©Ubv wegv L †`bv`v‡ii Rxe‡b Rvwgb`v‡ii
M 3q N 4_©
M nvmcvZvj wegv M cvIbv`v‡ii Rxe‡b †`bv`v‡ii
29. †KvbwU wbðqZvi Pzw³?
N †`bv`v‡ii Rxe‡b cvIbv`v‡ii
N Z…Zxq cÿ ÿwZc~iY wegv K `yN©Ubv wegv L AwMœ wegv
20. wb‡Pi †KvbwU `vq wegvi g‡a¨ c‡o?
10. AvbycvwZK nv‡i ÿwZc~iY cÖ`vb Kiv nq M †bŠ wegv N Rxeb wegv
K KviLvbvq kÖwgK `yN©Ubv
†Kvb wegvq? L fvovK…Z Rvnv‡R cY¨ Wzwe 30. evsjv‡`k e¨vs‡Ki cÖavb wbe©vnx †K?
K cybtwegvq L ˆØZ wegvq M fvovK…Z ¸`v‡g AwMœRwbZ ÿwZ K †cÖwm‡W›U L cÖavbgš¿x
M hyM¥ wegvq N †Mvôx wegvq N cybwe©gvK…Z c‡Yï ÿwZmvab M gnvmwPe N Mfb©i
1 K 2 N 3 L 4 N 5 M 6 L 7 K 8 K 9 L 10 L 11 L 12 K 13 N 14 M 15 L
16 L 17 M 18 K 19 L 20 K 21 M 22 M 23 K 24 L 25 K 26 K 27 N 28 M 29 N 30 N
54 wm‡jU miKvwi K‡jR welq †KvW : 2 9 3

1. †Kvb mf¨ZvKv‡j Dcvmbvjq e¨vswKs 10. DÏxc‡K ewY©Z 'A' †`‡k e¨vs‡Ki KvR n‡jv 21. wb‡Pi †KvbwU m¤úwË wegvewnf‚©Z?
eë¯’vi Dbœqb N‡UwQj? i. gy`ªvi cÖPjb Kiv K †bŠ L AwMœ
K ˆPwbK L †ivgvb ii. wbKvk N‡ii `vwqZ¡ cvjb M km¨ N e¨w³MZ `yN©Ubv
M wgmixq N e¨wejbxq iii. mnR k‡Z© RbMY‡K FY`vb 22. †Kvb ai‡bi wegv †_‡K mÂq myweav jvf Kiv hvq?
2. wewbgq e¨vswKs I wewb‡qvM e¨vswKs Gi K †bŠ L Rxeb
mswgkÖ‡Y M‡o DVv e¨vsK‡K e‡j M AwMœ N `yN©Ubv
K gv‡P©›U e¨vsK L wgkÖ e¨vsK 11. †Kvb ai‡bi wnmv‡ei wec‡ÿ FY`vb  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
M wewbgq e¨vsK N cvBKvwi e¨vsK e¨vs‡Ki Rb¨ AwaK wbivc`? wg. mI`vMi Avg`wb eëmvq K‡ib|
3. Basel-2 Abyhvqx evsjv‡`‡k ZvwjKvfz³ ißvwbKviK Rvnv‡R cY¨ cvwV‡q Pvjv‡bi
K mÂqx L PjwZ
e¨vs‡Ki b~¨bZg cwi‡kvwaZ g~jab KZ mv‡_ wegv LiP AšÍf³ z© K‡ib Ges Zv wg.
M ¯’vqx N we‡kl mÂqx
†KvwU UvKv _vK‡Z nq? mI`vMi eivei cvwV‡q _v‡Kb|
12. wb‡æi †Kvb wnmv‡e my‡ì nvi me‡P‡q Kg nq? 23. ißvwbKviK cY¨ †cÖi‡Yi mgq †Kvb
K 300 L 400
K mÂqx L ¯’vqx ai‡bi wegv K‡ib?
M 500 N 1000
M †cbkb mÂqx N we‡kl PjwZ K †bŠ L RvnvR
 DÏxcKwU c‡o 13 I 14bs cÖ
‡ kœ i DËi `vI : M ißvwb N `yN©Ubv
A bvgK kn‡i Aew¯’Z K, L, M I N PviwU
e¨vs‡Ki Aby‡gvw`Z g~jab h_vµ‡g 800, wg. gvngy ` Zvi cÖ w Zôv‡bi Rb¨ GKwU e¨vsK 24. ißvwbKviK KZ… © K msM„ n xZ wegvi welqe¯‘ †KvbwU?
wnmve Ly‡j‡Qb| GRb¨ Ab¨vb¨ `wj‡ji mv‡_ K RvnvR L cY¨
600, 500 I 400 †KvwU UvKv| Z‡e ÔKÕ
Zv‡K ¯§viK wjwcI Rgv w`‡Z n‡q‡Q| M gvmyj N `vq
e¨vsKwU L, M I N e¨vs‡Ki h_vµ‡g 51%,
13. wg. gvngy ‡ ì cÖ w ZôvbwU †Kvb ai‡bi? 25. Rxeb wegv I †bŠ wegvi g‡a¨ Awg‡ji
52% I 55% †kqv‡ii gvwjK| e¨vsK
K GKgvwjKvbv L Askx`vwi †ÿÎ †KvbwU?
PviwU ÔKÕ e¨vsK Gi wb‡`©kbv †gvZv‡eK
K wegv‡hvM¨ ¯^v_©
mgwš^Zfv‡e Kvh©µg cwiPvjbv K‡i| M †Kv¤úvwb N mgevq
L Avw_©K cÖwZiÿv
4. DÏxc‡K ÔKÕ †Kvb ai‡bi e¨vsK? 14. e¨vsK wnmve Lyj‡Z wg. gvngy`‡K Avi †h mKj
M cÖZ¨ÿ Kvi‡Y ÿwZc~iY
K kvLv L †PBb `wjjcÎ Rgv w`‡Z n‡q‡Q †m¸‡jv n‡jv N AvbycvwZK mvnvh¨
M †nvwìs N mvewmwWqvwi i. wm×v‡šÍi Kwc 26. †h wegv eë¯’vq GKB wegv cwjwmi
5. DÏxc‡Ki e¨vsK eë¯’vq ii. cwi‡gj wbqgvewj AvIZvq GKvwaK e¨w³i Rxeb‡K wegv
i. cvi¯úwiK cÖwZ‡hvwMZv e„w× cvq iii. †UªW jvB‡mÝ Kiv nq Zv‡K e‡j
ii. †nvwìs †Kv¤úvwbi wbqš¿Y cÖwZwôZ nq wb‡Pi †KvbwU mwVK? K †hŠ_ wegv L †Mvôx wegv
iii. kw³kvjx e¨vswKs KvVv‡gv M‡o D‡V K i I ii L i I iii M ii I iii N i, ii I iii M cybwe©gv N †gqvw` wegv
wb‡Pi †KvbwU mwVK? 15. `vMKvUv †PK mvaviYZ KZ cÖKvi? 27. wegvMÖnxZvi msL¨vi wfwË‡Z Rxeb wegv
K i I ii L i I iii M ii I iii N i, ii I iii K2 L3 KZ cÖKvi?
6. FY wbqš¿‡Yi Rgvi nvi cwieZ©b bxwZi M4 N5 K2 L3 M4 N5
D™¢veK wb‡Pi †Kvb e¨vsK? 16. †Kvb `wjj ¯^xK…wZi ci AvBbm¤§Z  DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI :
K e¨vsK Ae Bsj¨vÛ
`wj‡j cwiYZ nq? wg. gwbi 10 jÿ UvKvi Rxeb wegv cwjwm
L †dWv‡ij wiRvf© wm‡÷g
K A½xKvicÎ L wewbgq wej MÖnY Ki‡Z Pvb| hv‡Z g„Zz¨ bv n‡jI
M wiRvf© e¨vsK Ae BwÛqv
M †PK N e¨vsK †bvU wbw`©ó mgq c‡i GK‡Î A_© cvIqv hvq|
N evsjv‡`k e¨vsK
17. n¯Í v šÍ ‡ii gva¨‡g cÖ v ß †P‡Ki Ab¨vb¨ wegvcÎ A‡cÿv †ewk wcÖwgqvg
7. me wKQy wVK †_‡K †K›`ªxq e¨vsK †`‡k w`‡Z n‡e †R‡bI wZwb Lywk|
A‡_©i mieivn evo‡j Zv‡K Kx e‡j? ¯^ Z ¡ v waKvix‡K Kx e‡j?
K cÖvcK L Aby‡gv`be‡j cÖvcK 28. wg. gwbi †Kvb ai‡bi wegvcÎ Lyj‡Z AvMÖnx?
K gy`ªvùxwZ L gy`ªvms‡KvPb K †cbkb L mvgwqK
M †iwg‡UÝ N FY wbqš¿Y M Av‡`óv N Aby‡gv`Kvix
M †gqvw` N GKKvjxb
8. SLR kãwU c~Yi© ƒc Kx? 18. evsjv‡`‡k cÖ _ g †gvevBj e¨vswKs my w eav
29. wg. gwbi G ai‡bi wegvcÎ msMÖ‡n †ewk
K Statutory Liquidity Rate Pvjy K‡i †Kvb e¨vsK?
L Statutory Liquidity Requirement K eª¨vK e¨vsK L Iqvb e¨vsK
wcÖwgqvg w`‡Z n‡e| Gi KviY
M Statutory Liquidity Reserve i. G‡ÿ‡Î mÂq I wewb‡qvM myweav
M XvKv e¨vsK N WvP evsjv e¨vsK
N Standard Liquidity Rate cvIqv hvq
19. †µwWU KvW© †WweU KvW© A‡cÿv DËg, KviY ii. G‡ÿ‡Î FY cÖvwßi my‡hvM i‡q‡Q
i. G‡Z e¨vsK FY myweav cvIqv hvq iii. G‡ÿ‡Î wegv`vwe cvIqv wbwðZ
ÔKÕ bvgK †`‡ki e¨vswKs eë¯’v‡K wbqš¿Y
Kivi Rb¨ miKvi 'A' bvgK e¨vsK cÖwZôv ii. cY¨ I †mev µq myweav cvIqv hvq wb‡Pi †KvbwU mwVK?
K‡i| H †`‡ki GKwU kn‡i 'A' e¨vs‡Ki kvLv iii. dvÛ UªvÝdv‡i GwU eën„Z nq K i I ii L i I iii M ii I iii N i, ii I iii
bv _vKvq 'B' bvgK e¨vsKwU wewfbœ e¨vs‡Ki wb‡Pi †KvbwU mwVK? 30. Av`wk©K SzuwKi cwimi †KvbwU?
ga¨Kvi AvšÍte¨vswKs †jb‡`b wb®úwË K‡i| K i I ii L i I iii M ii I iii N i, ii I iii K 75 b¤î Gi wb‡P
9. evsjv‡`‡k 'B' e¨vs‡Ki mv`„k¨c~Y© e¨vsK †KvbwU? 20. we‡k¦ me©cÖ_g KZ mv‡j SWIFT cÖwZwôZ nq? L 75-125 Gi g‡a¨
K RbZv e¨vsK L evsjv‡`k e¨vsK K 1953 mv‡j L 1963 mv‡j M 125-500 Gi g‡a¨
M eª¨vK e¨vsK N †mvbvjx e¨vsK M 1973 mv‡j N 2003 mv‡j N 500 b¤î Gi Dc‡i
1 N 2 K 3 L 4 M 5 M 6 L 7 N 8 K 9 N 10 K 11 M 12 N 13 M 14 N 15 K
16 L 17 L 18 N 19 K 20 M 21 N 22 L 23 K 24 L 25 N 26 K 27 K 28 M 29 L 30 L
55 ewikvj miKvwi gwnjv K‡jR welq †KvW : 2 9 3

1. wb‡Pi †KvbwU AvaywbK A_©bxwZi cÖvY kw³ 12. †Kvb AvBb cÖeZ©‡bi d‡j e¨vsK wnmve 21. †Kvb Kv‡R †WweU KvW© eënvi Kiv nq?
K e¨vsK L wjwRs †Kv¤úvwb Lyj‡Z KYC dg© c~iY eva¨Zvg~jK Kiv K cv‡P©wRs L †mwjs
M cÖvB‡fU †Kv¤úvwb N wegv †Kv¤úvwb n‡q‡Q? M WvUv UªvÝdvi N †Kv‡bvwUB bq
2. e¨vsK Ae evwm©‡jvbv KZ mv‡j cÖwZwôZ K e¨vsK †Kv¤úvwb AvBb 22. evsjv‡`‡ki †Uwj e¨vswKs eë¯’v cÖ_g Pvjy
nq? L †Kv¤úvwb AvBb K‡i
K 1157 L 1178 M n¯Í v šÍ
i ‡hvM¨ `wjj AvBb K WvP evsjv e¨vsK
M 1401 N 1407 N gvwb jÛvwis AvBb L ÷¨vÛvW© PvU©vi e¨vsK
3. evsjv‡`‡ki e¨vswKs eë¯’vcbvq K‡e  DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : M RbZv e¨vsK
e¨v‡mj-2 Gi Kvh©µg Pvjy nq? †mvbvwj †UªWvm© †_‡K cÙv †UªWvm© GKLvbv N iƒcvwj e¨vsK
K 1991 L 2010 20,000 UvKvi †PK †cj Ges Kg©Pvix 23. Av`wk© K SzuwKi cwimi †KvbwU?
M 2012 N 2015 ÔKÕ †K †PKwU fv½v‡bvi Rb¨ e¨vs‡K K 75 b¤î Gi wb‡P
4. kvLv e¨vs‡Ki Avw` f‚wg cvVv‡bv n‡jv| L 75-125 Gi g‡a¨
K hy³ivóª L hy³ivR¨ 13. wg ÔKÕ †P‡Ki †Kvb cÿ? M 125-500 Gi g‡a¨
M BZvwj N Rvg©vwb N 500 b¤^ i Gi Dci
K Aby‡gv`bKvix L aviK
5. c„w_exi cÖ_g †K›`ªxq e¨vs‡Ki bvg Kx? 24. †Kvb wegvi gva¨‡g wegv eëmv‡qi hvÎv
M Av‡`óv N Avw`ó
K †dWv‡ij wiRvf© wm‡÷g ïiæ nq?
14. cÙv †UªWvm© KZ…K © cÖvß †PKwU †Kvb ai‡bi
L e¨vsK Ae Bsj¨vÛ K AwMœ wegv L Rxeb wegv
†PK?
M e¨vsK Ae d«vÝ M †bŠ wegv N km¨ wegv
K evnK †PK
N wiKm& e¨vsK Ae myB‡Wb 25. †Kvb bxwZi wfwË‡Z GKB m¤úwË GKvwaK
L ûKzg †PK
6. evsjv‡`k e¨vs‡Ki cÖavb wbe©vnx †K? wegvKvixi wbKU wegv Kiv hvq?
M `vMKvUv †PK
K eë¯’vcbv cwiPvjK K cÖZ¨ÿ KviY
N Aby‡gv`bcÖvß †PK
L gnveë¯’vcK L ¯’jvwfwl³KiY
15. duvKv †P‡K Kx _v‡K bv? M AvbycvwZK AskMÖnY
M miKvi
K Bmyï ZvwiL N Avw_©K ÿwZc~iY
N Mfb©i
L wnmveavi‡Ki ¯^vÿi 26. wegv cwjwm‡Z SzuwK MÖn‡Yi wewbgq g~j¨‡K
7. gy`ªvùxwZi d‡j Kx N‡U?
M wnmve b¤î Kx e‡j?
K Kg©ms¯’vb ev‡o L c‡Yï `vg ev‡o
N UvKvi cwigvY K †evbvm L wcÖwgqvg
M wewb‡qvM ev‡o N my‡ì nvi ev‡o
16. GKwU †P‡Ki cÖavb cÿ KqwU? M my` N mgc©Y g~j¨
8. SLR Gi c~Yi© ƒc Kx?
K 2wU L 3wU 27. †Kvb wegvPzw³‡K wbðqZvi Pzw³ ejv nq?
K Surplus Liquid Rate
L Satatutory Liquidity Ratio M 4wU N 5wU K Rxeb wegv L AwMœ wegv
M Satutory Liquied Rate 17. e¨vs‡Ki cÖwZ MÖvn‡Ki wjwLZ wb‡`©k‡K Kx M †bŠ wegv N km¨ wegv
N Standard Liquidity Ratio e‡j? 28. †Mvôx wegv Kvi Rb¨ cÖ‡hvR¨?
9. e¨vs‡Ki wbKU †Kvb RvgvbZwU DËg? K †PK L †c-AW©vi K wbw`©ó AwZ †Mvôx
K ¯’vqx AvgvbZ iwk` M e¨vK WªvdU N e¨vsK eÛ L GKB cwiev‡ii m`më„›`
L †kqvi 18. GKwU êa †P‡Ki †gqv` M cÖwZôv‡bi mdj Kg©Pvix
M FYcÎ N eÜy-evÜe
K 2 gvm L 3 gvm
N e¨w³MZ M¨vivw›UcÎ 29. mgc©Y g~j¨ cwi‡kv‡ai Rb¨ Kgc‡ÿ KZ
M 6 gvm N 12 gvm
10. †KvbwU e¨vsK wnmv‡ei cvm eB‡qi weKí 19. SWIFT Kx? eQi wegvcÎ Pvjy ivLv cÖ‡qvRb?
wnmv‡e eën„Z nq? K GKwU e¨vswKs ms¯’v K1 L2
K Rgv weeiYx L wnmve weeiYx M3 N4
L †µwWU †iwUs ms¯’v
M e¨q weeiYx N †PK weeiYx 30. Rxeb wegvi wcÖwgqvg nvi wba©vi‡Yi we‡eP¨
M GKwU cwi‡kva c×wZ
11. mÂqx wnmve Dc‡hvMx N GKwU AvšÍR©vwZK e¨vsK welq?
i. PvKwiRxex‡ì Rb¨ i. wegvMÖnxZvi eqm
20. B‡jKUªwbK e¨vswKs eë¯’vq PIN k‡ãi
ii. K…lK‡ì Rb¨ ii. wegvMÖnxZv‡ì mvgvwRK gh©v`v
c~Y© kãiƒc †KvbwU?
iii. kÖwgK, QvÎQvÎx‡ì Rb¨ K Private Indenification Number iii. wegvc‡Îi g~j¨
wb‡Pi †KvbwU mwVK? L Public Indentification Number wb‡Pi †KvbwU mwVK?
K i I ii L ii I iii M Personal Identification Number K i I ii L i I iii
M i I iii N i, ii I iii N Personnel Identification Number M ii I iii N i, ii I iii
1 K 2 M 3 L 4 L 5 N 6 N 7 L 8 L 9 K 10 L 11 N 12 N 13 L 14 K 15 N
16 L 17 K 18 M 19 M 20 M 21 K 22 K 23 L 24 M 25 M 26 L 27 K 28 M 29 L 30 L
56 knx` ˆmq` bRiæj Bmjvg K‡jR, gqgbwmsn welq †KvW : 2 9 3

1. e¨vsK Kx‡mi eëmvq K‡i? 9. †Kvb e¨vsKwUi mv‡_ M e¨vs‡Ki wgj Av‡Q? 20. bM` UvKv Ges †P‡Ki weKí n‡jv
K gyja‡bi L gybvdvi K evsjv‡`k e¨vsK L c~evjx e¨vsK i. †gvevBj e¨vswKs
M F‡Yi N ¯^‡Y©i M WvP&-evsjv e¨vsK N RbZv e¨vsK ii. †µwWU KvW©
2. we‡k¦i cÖ_g e¨vsK †KvbwU? 10. L e¨vsK AvšÍte¨vswKs Kvh©vewj‡Z Dcw¯’Z iii. †WweU KvW©
K e¨vsK Ae †fwbk _v‡K bv, KviY n‡jv wb‡Pi †KvbwU mwVK?
L kvÝx e¨vsK K ZvwjKvfz³ e¨vsK K i I ii L i I iii M ii I iii N i, ii I iii
M e¨vsK Ae mvbRwR©I L A-ZvwjKvfz³ e¨vsK 21. wegvi D‡Ïk¨ n‡jv
N e¨vsK Ae evwm©‡jvbv
M evwYwR¨K e¨vsK N †K›`ªxq e¨vsK K SzuwK n«vm L mg‡qi mvkÖq
3. kvLv e¨vswKs-Gi êwkó¨ n‡jv 11. e¨vs‡Ki cÖwZ MÖvn‡Ki wjwLZ wb‡`©k‡K Kx e‡j? M gybvdv e„w× N A_© ¯’vbvšÍi
i. †K›`ªxq e¨vs‡Ki mv‡_ m¤úK© K †PK L †c-AW©vi 22. ûKzg †P‡Ki Ici †Kvb kã †jLv _v‡K?
ii. cÖavb Awdm KZ…K © wbqš¿Y M e¨vsK Wªvd&U N wewbgq wej K A_ev evnK‡K L n¯ÍvšÍi‡hvM¨ bq
iii. AwaK g~jab MVb
12. wewbgq we‡j cÿmg~n n‡jv M A_ev Av‡`k Abymv‡i
i. Av‡`óv N A¨vÛ †Kvs
ii. Avw`ó 23. wegvPzw³i Acwinvh© cÿ KqwU?
iii. cÖvcK K 2wU L 3wU
X, Y Ges Z wZbwU †emiKvwi e¨vs‡Ki
wb‡Pi †KvbwU mwVK? M 4wU N 5wU
cwiPvjbv cl©` †RvUe× n‡q KvR Kivi
K i I ii L i I iii M ii I iii N i, ii I iii 24. wegvi m~Pbv nq †Kvb wegvi gva¨‡g?
Rb¨ GKwÎZ nq| wm×všÍ nq †h, e¨vsK X
13. †Kvb †P‡Ki A_© e¨vs‡Ki gva¨‡g msMÖn K Rxeb L †bŠ
†nvwìs e¨vsK wnmv‡e KvR Ki‡e| Ab¨
Kiv nq? M AwMœ N m¤úwË
e¨vsK¸‡jv n‡e mvewmwWqvwi e¨vsK|
4. DÏxc‡Ki e¨vsK¸‡jv Kx ai‡bi e¨vswKs K evnK †PK L `vMKvUv †PK 25. eZ© g v‡b evsjv‡`‡k cÖPwjZ wegv AvBb
Kv‡Ri wm×všÍ wb‡q‡Q? M ûKz g †PK N Dcnvi †PK KZ mv‡ji?
K MÖæc L kvLv  DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : K 1938 L 1991
M †PBb N GKK wegv wjwg‡UW †_‡K Zgv wjwg‡UW M 1993 N 2010
5. DÏxc‡K X e¨vs‡Ki êwkó¨ n‡jv 5,00,000 UvKvi GKwU †PK cvq| †PKwU 26. Rxeb wegvi ¸iæZ¡ n‡jv
i. mvewmwWqvwi e¨vsK¸‡jvi AwaKvsk cÖwZôv‡bi wnmveiÿY Kg©KZ©v Rbve i. Kg©ms¯’vb m„wó‡Z
†kqv‡ii gvwjKvbv AR©b Kiv Rvwn`‡K e¨vsK †_‡K fvOv‡bvi Rb¨ w`‡jb| ii. Avw_©K wbivcËv
ii. Aaxb¯’ e¨vsK¸‡jvi Ici Z`viK I 14. DÏxc‡K Rbve Rvwn` †Kvb cÿ wnmv‡e iii. e„× eq‡mi wbivcËv
wbqš¿Y cÖwZôv Kiv we‡ewPZ n‡e? wb‡Pi †KvbwU mwVK?
iii. mvewmwWqvwi e¨vsK¸‡jvi cwiPvjbv K Aby‡gv`bKvix L aviK K i I ii L i I iii M ii I iii N i, ii I iii
bxwZI c×wZ wba©viY K‡i †Ìqv M Av‡`óv N Avw`ó  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
wb‡Pi †KvbwU mwVK? 15. Zgv wjwg‡UW KZ…©KcÖvß †PKwU †Kvb ai‡bi? Avwei GKRb A‡UvPvjK| wb‡Ri AeZ©gv‡b
K i I ii L i I iii M ii I iii N i, ii I iii K evnK †PK L ûKzg †PK cwiev‡ii Avw_©K wbivcËvi K_v wPšÍv K‡i
6. †K›`ªxq e¨vs‡Ki KvR †KvbwU? M `vMKvUv †PK N mvwU©dvBW †PK GKwU wegvcÎ MÖnY K‡ib Ges gvwmK
K AvgvbZ msMÖn L gybvdv AR©b
16. AbjvBb e¨vswKs myweav †KvbwU eënvi 2,000 UvKv K‡i Rgv †`b|
M FY wbqš¿Y N FY cÖ`vb
n«vm K‡i‡Q? 27. Avwei †Kvb ai‡bi wegvcÎ MÖnY K‡i‡Qb?
7. evsjv‡`k e¨vs‡Ki cÖavb wbe©vnx †K?
K e¨vsK WªvdU L miKvwi †bvU K Rxeb wegv L wbivcËv wegv
K eë¯’vcbv cwiPvjK
M e¨vsK †bvU N cÖZ¨qcÎ M fwel¨r wegv N m”QjZv wegv
L gnveë¯’vcK
M †cÖwm‡W›U N Mfb©i
17. †KvbwUi gva¨‡g mxgvnxb e¨vswKs †mev 28. Avwe‡ii cÖ ` Ë gvwmK 2,000 UvKv‡K Kx
8. e¨vsK nvi evo‡j mieivn Kiv hvq? ejv nq?
i. my‡ì nvi ev‡o K †gvevBj e¨vswKs L B-e¨vswKs K wewb‡qvM L mgc©Y g~j¨
ii. FY mieivn K‡g M †nvg e¨vswKs N GmGgGm e¨vswKs M wcÖwgqvg N †evbvm
iii. ê‡`wkK evwYR¨ ev‡o 18. wb‡Pi †Kvb e¨vsKwU AbjvBb e¨vswKs 29. Kgc‡ÿ KZ eQi wcÖwgqvg †Ìqvi ci
wb‡Pi †KvbwU mwVK? †mev †_‡K ewÂZ? mgcY© g~j¨ cwi‡kva Kiv nq?
K i I ii L i I iii M ii I iii N i, ii I iii K kvLv e¨vswKs L MÖæc e¨vswKs K GK eQi L `yB eQi
 DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : M GKK e¨vswKs N †PBb e¨vswKs M wZb eQi N Pvi eQi
M e¨vsK cÖvqB AvšÍte¨vswKs Kvh©vewj cwiPvjbv 19. B‡j±ªwbK e¨vswKs Gi Rb¨ Amyweav †KvbwU? 30. †Kvb wegvi †ÿ‡Î MÖæc wegv cÖ‡hvR¨?
I wbqš¿Y K‡i| Ab¨vb¨ e¨vsK Dcw¯’Z _vK‡jI K `ªæZ †jb‡`b L †gwkbwbf©i K †bŠ wegv L km¨ wegv
L e¨vsK Zv‡Z Dcw¯’Z _v‡K bv| M wbfz © j wnmveiÿY N wnmv‡ei wbivcËv M AwMœ wegv N Rxeb wegv
1 M 2 L 3 N 4 K 5 N 6 M 7 N 8 K 9 K 10 L 11 K 12 N 13 L 14 L 15 K
16 K 17 L 18 M 19 N 20 N 21 K 22 M 23 K 24 L 25 N 26 M 27 K 28 M 29 L 30 N
G·K¬zwmf g‡Wj †U÷ : m„Rbkxj

K-wefvM : e¨vswKs K. †gvevBj e¨vswKs Kx? 1
1  wg. iv‡k` evsjv‡`‡ki GKRb ¯^bvgab¨ e¨vsKvi wQ‡jb| Zvi RxeÏkvq L. ¯^qswµq wbKvkNi ej‡Z Kx †evSvq? 2
wb‡Ri Mov †MvgZx e¨vswKs K‡c©v‡ikb †`‡ki A‡bK †QvU †QvU e¨vs‡Ki M. DÏxc‡Ki wg. nvwee †Kvb ai‡bi KvW© eënvi K‡i _v‡Kb Av‡jvPbv Ki| 3
†kqvi wK‡b e¨vsK¸‡jv‡K wbqš¿Y K‡ib Ges †`‡ki e¨vswKs RM‡Zi N. †Zvgvi g‡Z `ywU Kv‡W©i g‡a¨ †KvbwU DËg? †Zvgvi DË‡ii c‡ÿ
Ab¨Zg †mev cÖ`vbKvix cÖwZôv‡bi gh©v`v cvq| cieZ©x‡Z Rbve iv‡k` bv hyw³ †`LvI| 4
_vKv Ae¯’vq e¨vsKwU A`ÿ e¨vswKs bxwZ I Kvh©µg MÖnY K‡i| †`‡ki 7  myg‡bi evev nVvr iv‡Z n„`‡iv‡M AvµvšÍ nIqvq Riæwi 20,000 UvKvi
cÖZ¨šÍ AÂj¸‡jv‡Z e¨vs‡Ki Awdm cÖwZôv Kiv nq| wKš‘ Kvh©Ki wbqš¿Y cÖ‡qvRb c‡o| Zvi fvB gvgy‡bi Kv‡Q UvKv bv _vK‡jI †m GKUv KvW© wb‡q
eë¯’v Av‡iv‡c cÖwZôvbwU wngwkg Lv‡”Q| †ewi‡q `ªæZ UvKv msMÖn K‡i Avbj| gvgyb B`vbxs wewfbœ mg‡q we‡`‡k
K. e¨vswKs Kx? 1 hv‡”Q| KL‡bv Zvi AwZwi³ UvKvi cÖ‡qvRb c‡o| ZvB †m Av‡Mi KvW©wU
L. e¨vsK Kxfv‡e wewbg‡qi gva¨g m„wó K‡i? e¨vL¨v Ki| 2 Rgv w`‡q bZzb KvW© wb‡q‡Q G‡Z Zvi LiP e„w× †c‡jI myweav n‡q‡Q|
M. DÏxc‡Ki K‡c©v‡ikbwU mvsMVwbK KvVv‡gvi wfwË‡Z †Kvb ai‡bi K. AbjvBb e¨vswKs Kx? 1
e¨vswKs eë¯’v M‡o Zz‡j‡Q? e¨vL¨v Ki| 3 L. FY myweavmn GwUGg KvW©‡K Kx e‡j? 2
N. DÏxc‡Ki DwjøwLZ e¨vsKwUi c‡ÿ Kvh©Ki wbqš¿‡Yi e¨_©Zv g~j¨vqb Ki| 4 M. DÏxc‡K gvgyb †Kv_v †_‡K UvKv msMÖn K‡i? e¨vL¨v Ki| 3
2  cÙv e¨vsK weMZ K‡qK eQi Pig Zvij¨ msK‡U fzM‡Q| e¨vsKwU Zv‡ì N. gvgyb cieZ©x‡Z †h KvW© msMÖn K‡i‡Q Zv 1g KvW© A‡cÿv KZUv
MÖvnK‡ì A_© wVKg‡Zv cwi‡kva Ki‡Z cvi‡Q bv| MÖvnKivI F‡Yi Av‡e`b myweavRbK? g~j¨vqb Ki| 4
K‡i e¨_© n‡q‡Q| d‡j e¨vsKwUi mybvg w`b w`b K‡g hv‡”Q| mKj Drm L-wefvM : wegv
†_‡K FY MÖn‡Yi †Póv e¨_© nq| Ggb mgq Zv‡ì mvnv‡h¨ GwM‡q Av‡m 8  wg. widvZ I iæ‡ej `yBRb eÜy| wg. widvZ XvKv-ivRkvnx gnvmo‡K GKwU
GKwU e¨vsK| d‡j e¨vsKwU Avevi bZzb Rxeb jvf K‡i| †c‡Uªvj cv¤ú ewm‡q‡Qb| Gm‡ei wbivcËvi R‡b¨ wZwb wegvI K‡i‡Qb|
K. wewae× wiRvf© Kx? 1 Ab¨w`‡K iæ‡ej hvÎx cwien‡bi R‡b¨ 2wU wejvmeûj ev‡mi eëmvq
L. †fv³v e¨vsK ej‡Z Kx †evSvq? 2 Ki‡Qb| wg. widvZ evievi iæ‡ej‡K wb‡Ri m¤úwË I hvÎx‡ì wbivcËvi
M. cÙv e¨vs‡Ki Zvij¨ msK‡Ui KviY Kx? e¨vL¨v Ki| 3 R‡b¨ eë¯’v MÖnY Ki‡Z ej‡jI wZwb ¸iæZ¡ †`bwb| GKwU `yN©Ubvq 2 Rb
N. cÙv e¨vs‡Ki mvnv‡h¨ GwM‡q Av‡m †Kvb e¨vsK Ges †Kb? DÏxc‡Ki hvÎx wbnZ I 10 Rb AvnZ n‡j wZwb wech©¯Í n‡q c‡ob|
Av‡jv‡K e¨vL¨v Ki| 4 K. wegv Kx? 1
3  mvqnvg wek¦we`¨vj‡qi 2q e‡l©i GKRb QvÎ| †m Zvi Rgv‡bv UvKv w`‡q L. AvbycvwZK AskMÖnY bxwZ ej‡Z Kx †evSvq? 2
e¨vsK wnmve Lyj‡Z AvMÖnx| †m Zvi cQ›`g‡Zv e¨vs‡K hvIqvi ci e¨vsK M. wg. widvZ †Kvb ai‡bi wegvPzw³ K‡i‡Qb? e¨vL¨v Ki| 3
Kg©KZ©v Zv‡K wnmve †Lvjvi Av‡e`bc‡Îi mv‡_ 1wU we‡kl dg© †`q Ges N. DÏxc‡K wg. iæ‡ej wcÖwgqvg euvPv‡Z wM‡q wec‡` c‡o‡Qb? Zzwg wK
e‡j GwU c~iY Kiv eva¨Zvg~jK| mg_©b Ki? †hŠw³KZv we‡kølY Ki| 4
K. e¨vsK wnmve Kv‡K e‡j? 1 9  ABC †Kv¤úvwb wj. Gi Gg.wW mv‡n‡ei Mvwo Pvjvb †Kv¤úvwbi cÖexY I
L. bgybv ¯^vÿi KvW© †Kb cÖ‡qvRb nq? 2 wek¦¯Í WªvBfvi gv‡R` Avjx| MvwowU ÔKÕ bvgK GKwU wegv †Kv¤úvwbi wbKU
M. mvqnv‡gi Rb¨ †Kvb wnmvewU Dchy³ e‡j Zzwg g‡b Ki? 3 wegvK…Z wQj gv‡R` Avjx Zv RvbZ bv| MvwowUi SzuwKi K_v we‡ePbv K‡i
N. mvqnv‡gi wnmve †Lvjvi Rb¨ DÏxc‡K DwjøwLZ dg©wUi cÖwZ ¸iæZ¡ gv‡R` Avjx ÔLÕ bvgK GKwU wegv †Kv¤úvwbi wbKU MvwowUi wegv Ki‡Z
Av‡iv‡ci KviY we‡kølY Ki| 4 PvB‡j wegv †Kv¤úvwb cÖ¯Íve cÖZ¨vL¨vb K‡i| cieZ©x‡Z MvwowU mwZ¨B
4  wg. kv`x` GKRb cvIbv`vi| wZwb mvqnvb wj. Gi KvQ †_‡K cvIbv UvKvi mwZ¨B `yN©Ubvq KewjZ n‡q m¤ú~Y© ÿwZMÖ¯Í nq| ÔKÕ wegv †Kv¤úvwb
ÿwZc~iY †Ìqvi ci ÿwZMÖ¯Í MvwowUi gvwjKvbv `vwe K‡i|
Rb¨ GKwU †PK cvb| wZwb †PKwU e¨vs‡K Dc¯’vcb Ki‡j e¨vsK †PKwU Zvi
K. SzuwK Kx? 1
wnmv‡e Rgv w`‡Z e‡j| wZwb Rev wj. Gi KvQ †_‡K AviI GKwU †PK
L. wegvPzw³ ej‡Z Kx †evSvq? 2
cvb| †PKwU‡Z Zvi bv‡gi cv‡k ÒA_ev Av‡`kvbymv‡iÓ †jLv wQj| †PKwU M. DÏxc‡K wegv †Kv¤úvwb KZ…©K gv‡R` Avjxi wegv cÖ¯ÍvewU
e¨vs‡K Rgv w`‡j e¨vsK mv‡_ mv‡_ bM` UvKv cÖ`vb K‡i| cÖZ¨vL¨v‡bi KviY e¨vL¨v Ki| 3
K. cÖK…Z aviK Kx? 1 N. DÏxc‡K ÔKÕ wegv †Kv¤úvwb KZ…©K ÿwZMÖ¯Í MvwowUi gvwjKvbv `vwe
L. wewbgq wej †Kb eënvi Kiv nq? e¨vL¨v Ki| 2 Kivq †hŠw³KZv g~j¨vqb Ki| 4
M. DÏxc‡K Rev wj. Gi KvQ †_‡K cÖvß †PKwU †Kvb ai‡bi †PK wQj? 10  wg. Rv‡Ki 7 eQi †gqvw` GKwU wegvcÎ MÖnY K‡ib| wegvc‡Î D‡jøL Av‡Q
e¨vL¨v Ki| 3 †h, hw` †gqv‡ì g‡a¨ gviv hvq Zvn‡j Zvi cwievi UvKv cv‡e A_ev
N. e¨vs‡Ki `„wó‡KvY †_‡K Rev wj. Gi †PKwU A‡cÿv mvqnvb wj. Gi †gqv` †k‡l †m cv‡e| †gqv` †k‡l wegv`vwe DÌvcb Ki‡j webv cÖwZôvb
†PKwU AwaK wbivc`  e³‡eï h_v_©Zv DÏxc‡Ki Av‡jv‡K Rvb‡Z cv‡i Zvi eqm 55 n‡jI wZwb wegvc‡Î 45 D‡jøL K‡i‡Qb|
we‡kølY Ki| 4 K. wegv †mjvwg Kx? 1
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K-wefvM : e¨vswKs 6  wg. dzqv` Pz¤^Kxq KvW© w`‡q UvKv D‡Ëvjb Ki‡Z cv‡ib| Ab¨w`‡K wg.
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L. †K›`ªxq e¨vsK‡K FY`v‡bi †kl AvkÖq¯’j ejv nq †Kb? e¨vL¨v Ki| 2 MvwowU m¤ú~Y© ÿwZMÖ¯Í nq| wgm Zvmwjgv wegv`vwe †ck Kivi wKQyw`‡bi g‡a¨
M. DÏxc‡K DwjøwLZ cÖwZôvbwU Kv‡Ri wfwË‡Z Kx bv‡g cwiwPZ? eY©bv Ki| 3 wegvcÖwZôvbwU `vweK…Z ÿwZc~iY cÖ`vb K‡i| Gw`‡K ÿwZMÖ¯Í MvwowU Kzwgjøvi
N. DÏxc‡K DwjøwLZ wg. c¼‡Ri Dw³wUi h_v_©Zv g~j¨vqb Ki| 4 GKRb eëmvqx wek nvRvi UvKvq wK‡bb| Mvwo weµq †_‡K cÖvß A_© wgm
4  wg. ingvb Ô†mvbvjx e¨vsKÕ w`bvRcyi kvLvq GKwU e¨vsK wnmve Ly‡j wbw`©ó Zvmwjgv `vwe Ki‡j wegvcÖwZôvbwU D³ UvKv w`‡Z A¯^xK…wZ Rvbvq|
mg‡qi Rb¨ UvKv Rgv iv‡Lb| UvKvi ìKvi nIqvq wnmve †Lvjvi wKQyw`b c‡i K. wegv‡hvM¨ ¯^v_© Kx? 1
e¨vs‡K †M‡j Zv‡K UvKv w`‡Z A¯^xK…wZ Rvbvq| c‡i wZwb e¨vsKv‡ii civg‡k© L. wbqš¿Y A‡hvM¨ SzuwK ej‡Z Kx †evSvq? 2
H e¨vs‡K wbqwgZ UvKv Rgv I D‡Ëvjb Kiv hv‡e Ggb GKwU wnmve †Lv‡jb| M. DÏxc‡Ki wgm Zvmwjgv †Kvb bxwZi AvIZvq wegvcÖwZôv‡bi KvQ
K. e¨vsK wnmve Kx? 1
†_‡K A_© jvf K‡i‡Qb? e¨vL¨v Ki| 3
L. †MvcbxqZv e¨vs‡Ki AwZ ¸iæZ¡c~Y© bxwZ? e¨vL¨v Ki| 2
M. DÏxc‡K DwjøwLZ wg. ingv‡bi cÖ_g wnmvewU Kx ai‡bi wQj Zv e¨vL¨v Ki| 3 N. wegvcÖwZôvb KZ©…K wgm Zvmwjgvi me©‡kl `vwe c~iY bv Kivi
N. wg. ingv‡bi Av‡M I c‡i †Lvjv wnmve `yBwUi g‡a¨ †KvbwU Zvi †hŠw³KZv we‡kølY Ki| 4
Rb¨ DËg? eywS‡q †jL| 4 10  wg. Avãyj nvwKg 15 eQi †gqvw` GKwU weï× †gqvw` Rxeb wegv cwjwm µq
5 K‡ib †hLv‡b ïay wZwb †eu‡P _vK‡jB wegv`vwe cv‡eb| wZwb 4 eQi wKw¯Í
cwi‡kva Kivi ci eyS‡Z cv‡ib Zvi c‡ÿ cwjwm Pvwj‡q hvIqv m¤¢e bq| ZvB
Jamuna Bank Limited
wZwb wegv †Kv¤úvwbi wbKU cwjwm eÜ K‡i cÖ‡qvRbxq `vwe `vIqvi Rb¨
CDA Branch, Chattogram
Av‡e`b K‡ib| Avevi wg. Avãyj AvwRR mšÍvb‡ì bwgwb K‡i GKwU Rxeb
Date : 08/02/2022
Cheque No : 23423 wegv cwjwm µq K‡ib †hLv‡b Zv‡K Avg„Zz¨ wcÖwgqvg cwi‡kva Ki‡Z n‡e|
Pay to Karim Or Bearer Taka (in word).....Five Thousand Only..... K. wkÿv e„wË wegv Kx? 1
Taka = 5,000/= L. †Kvb wegvq ¯’jvwfwl³Ki‡Yi bxwZ cÖ‡hvR¨ bq? e¨vL¨v Ki| 2
Rahim
M. wg. Avãyj nvwKg Zvi µqK…Z weï× †gqvw` wegvcÎ †_‡K †Kvb
Signature
Current A/C No : 3210003 ai‡bi Avw_©K myweav cv‡eb? DÏxc‡Ki Av‡jv‡K e¨vL¨v Ki| 3
08/04/2022 Zvwi‡L myigv e¨vsK wjwg‡U‡Wi cÖvc‡Ki wnmv‡e Rgv Kivi N. Òwg. Avãyj AvwRR KZ…©K µqK…Z wegv cwjwm ïay bwgwb‡ì
mgq †PKwU cÖZ¨vL¨vb Kiv n‡qwQj| ¯^v_©iÿv K‡i|Ó hyw³mn we‡kølY Ki| 4
K. A½xKvicÎ Kx? 1 11  ingvb mv‡n‡ei eqm 50 eQi| cwievi I mšÍvbvwì K_v wPšÍv K‡i wRwewe
L. †Kb evnK †PK ûKzg †P‡Ki †P‡q Kg wbivc`? 2 jvBd BÝy¨‡i‡Ýi mv‡_ Pzw³e× n‡jb| evwK Rxeb wZwb wbw`©ó mgq ci ci
M. DÏxc‡K †`Lv‡bv †PKwU Kx ai‡bi †PK? e¨vL¨v Ki| 3 3,000 UvKv K‡i wcÖwgqvg cÖ`vb Ki‡eb| GK eQi †h‡ZB wegv
N. myigv e¨vsK wjwg‡U‡Wi cÖvc‡Ki wnmv‡e RgvK…Z †PK cÖZ¨vL¨vb †Kv¤úvwbwU 10% †evbvm †NvlYv K‡i hv A‡bK wegvMÖnxZv cvq| ingvb
Kivi †hŠw³KZv we‡kølY Ki| 4 mv‡ne †evbv‡mi A_© bv cvIqvi welqwU wegv cÖwZwbwai Kv‡Q Rvb‡Z PvB‡j
6 mvgv` mv‡ne GKRb PvKwiRxex| wZwb GKwU Pz¤^Kxq cøvw÷K Kv‡W©i gvwjK| †mB GwU mevi Rb¨ bq e‡j Rvbvq|
KvW© eënvi K‡i wZwb mn‡R †KbvKvUv Ki‡Z cv‡ib| nVvr GKw`b wZwb H KvW© K. mgc©Y g~j¨ Kx? 1
eënvi K‡iI µqK…Z `ª‡eï `vg m¤ú~Y© cwi‡kva Ki‡Z e¨_© n‡q Ab¨ GKwU L. Rxeb wegv‡K wbðqZvi Pzw³ ejv nq †Kb? e¨vL¨v Ki| 2
Kv‡W©i gvwjK nevi K_v fve‡jb Ges e¨vs‡Ki mv‡_ †hvMv‡hvM K‡i KvW©wU msMÖn M. ingvb mv‡ne †Kvb ai‡bi Rxeb wegv MÖnY K‡i‡Qb? e¨vL¨v Ki| 3
K‡ib| KvW©wUi LiP c~‡e©i Kv‡W©i Zzjbvq †ewk n‡jI evowZ myweav i‡q‡Q| N. ingvb mv‡ne wRwewe jvBd BÝy¨‡i‡Ýi †evbvm bv cvIqvi KviY we‡kølY Ki| 4

1. me©cÖ_g †Kvb e¨vsK eëmv‡qi gva¨‡g  DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : 20. F‡Yi cwigvY e„w× †c‡j `ªe¨g~‡jï Ici
e¨vsK eë¯’vi D™¢e n‡q‡Q? Rbve ZvwiKzj Bmjvg GKRb ga¨weË Kx cÖfve c‡o?
K wgkÖ L †PBb Av‡qi gvbyl| Zuvi AeZ©gv‡b †Q‡j-†g‡qi K `ªe¨g~j¨ Kg n‡e
M GKK N kvLv Avw_©K mnvqZvi K_v wPšÍv K‡i wZwb L `ªe¨g~j¨ e„w× cv‡e
2. AvaywbK A_©bxwZi Rxebxkw³ †KvbwU? GKwU wegv †Kv¤úvwbi mv‡_ Pzw³e× M `ªe¨g~j¨ AcwiewZ©Z _vK‡e
K e¨vsK L A_© N m¤ú‡ì mymg eÈb n‡e
n‡q‡Qb Ges wZwb cÖwZgv‡m 1,000 UvKv
M g~jab N wewb‡qvM 21. DÏxc‡K DwjøwLZ †K›`ªxq e¨vsK †Kvb bxwZ
nv‡i Rgv w`‡q hv‡”Qb|
3. †Kvb mf¨ZvKv‡j Dcvmbvjq e¨vswKs Aej¤^b K‡i FY wbqš¿‡Yi wPšÍvfvebv Ki‡Q?
eë¯’vq Dbœqb N‡UwQj? 12. Rbve ZvwiKzj Bmjvg †Kvb ai‡bi wegvcÎ K F‡Yi eivÏKiY bxwZ
K ˆPwbK mf¨Zv L †ivgvb mf¨Zv
MÖnY K‡i‡Qb? L cÖPviYvg~jK bxwZ
M êw`K mf¨Zv N e¨wejbxi mf¨Zv K †bŠ wegv L AwMœ wegv M e¨vsK nvi bxwZ
4. wbKvkNi wPšÍvavivi D™¢veK †K? M †gqvw` wegv N Rxeb wegv N †LvjvevRvi bxwZ
K †mqvm© L Aviwfj 13. Rbve ZvwiKzj Bmjv‡gi gvwmK 1,000 22. MICR †KvbwU mv‡_ m¤ú„³?
M †K›U N wW. KK UvKv nv‡i Rgv †Ìqv‡K wegvq Kx e‡j? K †PK L cÖZ¨qbcÎ
5. Kxfv‡e F‡Yi cwigvY evov‡bv hvq? K evwl©K wd L wewb‡qvM M †WweU KvW© N †µwWU KvW©
K Rgvi nvi evwo‡q L e¨vsK nvi Kwg‡q M wcÖwgqvg N wegv mÂq  DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI :
M †LvjvevRvi †_‡K wmwKDwiwU µq K‡i 14. eZ©gv‡b cÖPwjZ MICR †P‡K †Kvb Ni †RW ZvQwdqv‡K GKwU †PK cÖ`vb K‡i|
N e¨vsK nvi evwo‡q c~i‡Yi cÖ‡qvRb c‡o bv? ZvQwdqv †PKwU Rvwnb‡K cÖ`vb K‡i| Rvwnb
6. evsjv‡`k e¨vsK cÖavb †K? K ZvwiL L wnmve bs †PKwU e¨vs‡K Rgv w`‡j e¨vsKvi †P‡Ki A_©
K gnv eë¯’vcK L A_©gš¿x M UvKvi cwigvY cwi‡kva AcviMZv cÖKvk K‡i|
M A_© mwPe N Mfb©i N AvgvbZKvixi ¯^vÿi 23. DÏxc‡K Av‡jvwPZ †PKwU †Kvb ai‡bi
7. 'The bank is an institution which 15. eZ©gv‡b me‡P‡q †j‡U÷ e¨vswKs cÖhyw³ †KvbwU? †PK wQj?
creates money with money'-Dw³wU Kvi? K `vMKvUv †PK L evnK †PK
K †PK L ûwÛ
K †mqvm© L nK M ûKzg †PK N ågYKvixi †PK
M GwUGg (ATM) N Western Union
M †cix N †ivR 24. †Kvb ai‡bi †PK n‡j Rvwnb e¨vsK n‡Z
16. mvgyw`ªK ÿwZ cÖavbZ KZ cÖKvi n‡Z cv‡i?
8. e¨vsK eëmvq DrcwËKv‡j ¯^Y©Kvi A_© D‡Ëvjb Ki‡Z cviZ?
K 5 cÖKvi L 4 cÖKvi
m¤úÖ`v‡qi wbKU mvaviY gvbyl †h Kvi‡Y K `vMKvUv †PK
M 3 cÖKvi N 2 cÖKvi
UvKv Rgv ivL‡Zv Zv n‡jv L evnK †PK
17. me©cÖ_g †Kvb wegvi gva¨‡g wegvi cÖmvi
i. Zviv Avw_©Kfv‡e m”Qj wQj M ûKzg †PK
ii. Zviv mr e‡j mgv‡R cwiwPZ wQj
jvf K‡i?
N we‡klfv‡e `vMKvUv †PK
iii. Zv‡ì Kv‡Q m¤ú` msiÿ‡Yi eë¯’v wQj K †bŠ wegv L Rxeb wegv
M AwMœ wegv N km¨ wegv
25. GKwU êa †P‡Ki †gqv`
wb‡Pi †KvbwU mwVK? K 2 gvm L 3 gvm
K i I ii L i I iii M ii I iii N i, ii I iii 18. †K›`ªxq e¨vs‡Ki cÖavb jÿ n‡”Q M 6 gvm N 12 gvm
9. e¨vsK †Kvb Kvi‡Y g‡°‡ji wnmve eÜ i. gybvdv AR©b Kiv
26. AvgvbZKvix KZ…©K ¯^vÿwiZ e¨vs‡Ki Ici
K‡i w`‡Z cv‡i? ii. A_©‰bwZK w¯’wZkxjZv AR©b Kiv UvKv cÖ`v‡bi wb‡`©kB n‡jv Kx?
i. g‡°‡ji g„Zz¨ n‡j ev †`Dwjqv n‡j iii. gy`ªvi cwigvY I FY wbqš¿Y Kiv K cÖZ¨qcÎ L wewbgq wej
ii. g‡°‡ji wnmve †jb‡`b †ewk n‡j wb‡Pi †KvbwU mwVK? M †PK N †kqvi
iii. Av`vj‡Zi wb‡`©‡k K i I ii L i I iii M ii I iii N i, ii I iii 27. A_© D‡Ëvj‡bi Av‡`k †Ìqvi mgq †P‡K
wb‡Pi †KvbwU mwVK? 19. †K›`ªxq e¨vsK n‡”Q †K ¯^vÿi K‡i?
K i I ii L i I iii M ii I iii N i, ii I iii K e¨vsKvi L AvgvbZKvix
i. F‡Yi †kl AvkÖq¯’j
 DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : ii. gy`ªvgvb msiÿK M †MUg¨vb N g¨v‡bRvi
wg. dqmvj 20,000 UvKvi GKwU `vMKvUv †PK iii. gybvdv AR©‡bi D‡Ï‡k¨ cwiPvwjZ 28. wb‡Pi †Kvb ai‡bi Rxeb wegvc‡Î wegv`vwe
†c‡q wbw`©ó mg‡qi g‡a¨ Zvi wnmv‡e Rgv w`‡Z miKvwi e¨vsK wKw¯Í‡Z cwi‡kva Kiv nq?
cvi‡jb bv| GgZve¯’vq wZwb †gqv‡`vËxY© K mvgwqK L AvRxeb
†PKwU Kvh©Ki Kivi †Póv Ki‡Qb| M †gqvw` N e„wË
10. GKwU †P‡Ki †gqv` KZ w`b _v‡K? 29. †Kvb wegvq †evbvm cÖ`vb Kiv nq?
K 60 w`b L 90 w`b  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : K †bŠ wegv L Rxeb wegv
M 180 w`b N 120 w`b e¨vwYwR¨K e¨vsK¸‡jv †fv³v ch©v‡q F‡Yi M AwMœ wegv N mvgvwRK wegv
11. †gqv‡`vËxY© †PK‡K Kx ejv nq? cwigvY e„w× Kivq evRv‡i `ªe¨g~‡jÏ weiƒc 30. †Kvb †ÿ‡Î ˆØZ wegv Kiv hvq bv?
K A‰ea †PK L evwm †PK cÖfve c‡o| GB ch©v‡q †K›`ªxq e¨vsK D³ K AwMœ wegv L Rxeb wegv
M evwZj †PK N cy‡iv‡bv †PK Lv‡Z FY wbqš¿‡Yi wPšÍv-fvebv Ki‡Q| M †bŠ wegv N km¨ wegv
1 M 2 K 3 N 4 L 5 L 6 N 7 L 8 N 9 L 10 M 11 L 12 N 13 M 14 L 15 N
16 N 17 K 18 M 19 K 20 L 21 K 22 K 23 K 24 L 25 M 26 M 27 L 28 N 29 L 30 L

1. bM` †jb‡`‡bi Rb¨ me‡P‡q myweavRbK 11. GKRb PvKwiRxexi Rb¨ †Kvb ai‡bi 21. êa Pzw³‡Z †Kvb ai‡bi m¤úK© Aek¨B
wnmve †KvbwU? e¨vsK wnmve DËg? _vK‡Z n‡e?
K mÂq wnmve L ¯’vqx wnmve K PjwZ L mÂqx K mvgvwRK m¤úK© L cvwievwiK m¤úK©
M †gqvw` wnmve N PjwZ wnmve M ¯’vqx N we‡kl PjwZ M AvBbMZ m¤úK© N ivR‰bwZK m¤úK©
2. GKK e¨vs‡Ki Amyweav n‡jv  DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : 22. MÖvnK- e¨vsKvi m¤úK©
i. SzuwK eÈ‡b Amyweav Rbve †mŠif Zvi †gqvw` wegvcÎwU i. eÜK`vZv I eÜKMÖnxZvi m¤úK©
ii. my‡ì nv‡ii ZviZg¨ wegv`vwe cwi‡kv‡ai Rb¨ Dc¯’vcb ii. †µZv I we‡µZv m¤úK©
iii. Zvij¨ mgm¨v iii. †`bv`vi I cvIbv`vi m¤úK©
K‡i‡Qb| Zvi cÖK…Z eqm 50 eQi n‡jI
wb‡Pi †KvbwU mwVK? wZwb wegvc‡Î eqm 45 D‡jøL K‡iwQ‡jb| wb‡Pi †KvbwU mwVK?
12. DÏxc‡K Rbve †mŠif wegvi †Kvb bxwZwU K i I ii L i I iii M ii I iii N i, ii I iii
3. hLb gy`ªvevRv‡i F‡Yi AvwaK¨ †`Lv †`q
j•Nb K‡i‡Qb? 23. †Kvb †P‡Ki †ÿ‡Î e¨vsK we‡kl mZK©Zv
ZLb †K›`ªxq e¨vsK e¨vsK nvi Kx K‡i?
K wegv‡hvM¨ ¯^v_© L P‚ovšÍ mwØkvm Aej¤^b K‡i?
K e„w× K‡i L n«vm K‡i
M ¯’jvwfwl³KiY N ÿwZc~iY K duvKv †PK L `vMKvUv †PK
M w¯’i iv‡L N Kgvq evovq
13. DÏxc‡K Dwjø w LZ †cÖ ÿ vc‡U wegv M evwm †PK N cÖZ¨vwqZ †PK
4. †h Kv‡W©i gva¨‡g MÖnvK‡K †µwWU ev FY
myweav cÖ`vb Kiv nq Zv‡K Kx e‡j? †Kv¤úvwbi KiYxq n‡jv  DÏxcKwU c‡o 24 I 25bs cÖ‡kœi DËi `vI :
K †WweU KvW© L †µwWU KvW© K wegv`vwe cÖZ¨vL¨vb Kiv wg. AvKvk 20,000 UvKvi GKwU `vMKvUv
M cwiPqcÎ N wmg KvW© L mgc©Y g~j¨ cwi‡kva Kiv †PK †c‡q wbw`©ó mg‡qi g‡a¨ Zvi wnmv‡e
5. e¨vsK Kvh©µ‡gi BwZnvm †Kvb ai‡bi? M c~Y© `vwe cwi‡kva Kiv Rgv w`‡Z cvi‡jb bv| GgZve¯’vq †PKwU
K AvaywbK L cÖvPxb N wcÖwgqvg †diZ †Ìqv AKvh©Ki n‡q‡Q|
M ga¨hyMxq N ˆkwíK 14. e¨vsK cÖwZôvq †Kvb †`‡ki KwZcq 24. DÏxc‡K ewY©Z †PK‡K Kx e‡j?
 DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : miKvi GwM‡q Av‡m? K A‰ea L evwm
m`¨ cÖwZwôZ nvj`v e¨vsK wj. Zv‡ì K Rvg©vwbi L BZvwji M evwZj N AwMÖg
40wU kvLvq B›Uvi‡bU cÖhyw³ ms‡hvRb M BD‡iv‡ci N Bsj¨v‡Ûi 25. †PKwUi Kvh©KvwiZv iÿv‡_© wg. AvKvk‡K KZ
K‡i‡Q| G Ae¯’vq e¨vsKwU †bUIqvK© 15. miKvwi †bv‡Ui êwkó¨ n‡jv w`‡bi g‡a¨ †PKwU Rgv †Ìqv DwPZ wQj?
wm‡÷‡gi gva¨‡g cÖwZwU kvLvq mn‡RB †h i. wewnZ gy`ªv K 60 L 90
†Kv‡bv Z_¨ mieivn Ki‡Z cvi‡Q| ii. iƒcvšÍi‡hvM¨ M 120 N 180
6. DÏxc‡K Av‡jvwPZ nvj`v e¨vsK wj.-Gi iii. mxwgZ eënvi 26. †h †P‡K cÖ¯‘‡Zi cieZ©x †Kv‡bv ZvwiL
eë¯’vwU‡K Kx bv‡g AwfwnZ Kiv nq? wb‡Pi †KvbwU mwVK? †jLv nq †m †PK‡K Kx e‡j?
K wm‡÷g e¨vswKs L B-e¨vswKs K e‡Kqv Zvwi‡Li †PK
M †gvevBj e¨vswKs N †nvg e¨vswKs L c~e© Zvwi‡Li †PK
16. †KvbwUi Dcw¯’wZ e¨vswKs Kvh©vewj‡Z
7. nvj`v e¨vsK wj.-Gi GB eë¯’vi Amyweav n‡jv MwZkxjZv e„w× K‡i? M AwMÖg Zvwi‡Li †PK
i. wbivcËvi Afve N cÖZ¨vwqZ †PK
K e¨vsKv‡ii L wbKvk N‡ii
ii. cvmIqvW© RvwjqvwZ
M wbixÿ‡Ki N wegvcÖwZôv‡bi 27. `vMKvUv †P‡K †jLv _v‡K
iii. A_© D‡Ëvj‡bi mgq e¨q
17. †`‡ki mKj e¨vsK †Kvb e¨vs‡Ki ZvwjKvi i. GÛ †Kvs
AšÍfz©³ _v‡K? ii. n¯ÍvšÍi‡hvM¨ bq
K miKvwi e¨vsK L †emiKvwi e¨vsK iii. cÖvc‡Ki wnmv‡e cÖ‡`q
8. Dcvmbvjq e¨vs‡Ki †K›`ªwe›`y wQ‡jb Kviv?
M evwYwR¨K e¨vsK N †K›`ªxq e¨vsK wb‡Pi †KvbwU mwVK?
K cy‡ivwnZMY
L †iv‡gi mvZ cvnv‡oi eëmvwqMY 18. Rxeb wegv K‡c© v ‡ikb Gi cÖ a vb Kvh© v jq K i I ii L i I iii M ii I iii N i, ii I iii
M cÖkvmwbK Kg©KZ©viv †Kv_vq Aew¯’ Z ? 28. †h †P‡Ki evg †Kv‡Y AvovAvwofv‡e `ywU
N ivRbxwZwe‡ìv K XvKvq L PÆMÖ v ‡g mgvšÍ i vj †iLv Uvbv _v‡K Zv‡K Kx †PK e‡j?
9. GKK e¨vs‡Ki êwkó¨ n‡”Q M wm‡j‡U N Ly j bvq K du v Kv †PK L `vMKvUv †PK
i. †K›`ªxqf‚Z cwiPvjK 19. ATM ey ‡_ †Kvb KvW© eën„ Z nq? M Dcnvi †PK N evwm †PK
ii. mxwgZ Kvh© GjvKv K †WweU KvW© L †µwWU KvW© 29. Friendly Society †Kvb †`‡ki AwMœ
iii. ÿz`ªvqZb cÖwZôvb M SWIFT N Iqvb÷c wegvcÖwZôv‡bi bvg?
wb‡Pi †KvbwU mwVK? *[we. `ª. : mwVK DËi : K I L] K Rvg©vwb L BZvwj
K i I ii L i I iii M ii I iii N i, ii I iii 20. †Kv‡bv e¨w³ ev cÖwZôv‡bi wbw`©ó mgq ci M d«vÝ N jÛb
10. Clearing house A_© Kx? wKQy cÖ`vb Kivi cÖwZkÖæwZ‡K Kx e‡j? 30. †Kvb wegv‡K wbðqZvi Pzw³ ejv nq?
K cwi®‹vi Ni L wbKvk Ni K A½xKvi L B”Qv K Rxeb L †bŠ
M e¨¯Í Ni N e¨vsK Ni M Pvwn`v N g‡bvfve M AwMœ N km¨
1 N 2 L 3 K 4 L 5 L 6 L 7 K 8 K 9 N 10 L 11 L 12 L 13 K 14 M 15 L
16 L 17 N 18 K 19 * 20 K 21 M 22 L 23 N 24 L 25 N 26 M 27 N 28 L 29 N 30 K

1. wb‡Pi †KvbwU ivóªvqË evwYwR¨K e¨vsK? 10. †Kvb SzuwK gybvdv AR©‡bi gva¨‡g †gvevwejv 20. ÔmyMÜv e¨vsKÕ †h ai‡bi e¨vsK
K evsjv‡`k e¨vsK L RbZv e¨vsK Kiv m¤¢e bq? K †K›`ªxq e¨vsK L evwYwR¨K e¨vsK
M evsjv‡`k K…wl e¨vsK N cÖevmx Kj¨vY e¨vsK K dUKv SzuwK L †gŠwjK SzuwK M †PBb e¨vsK N wgkÖ e¨vsK
2. MÖæc e¨vswKs eë¯’vq e¨vsK cwiPvjbvi `vwqZ¡ M weï× SzuwK N wegv‡hvM¨ SzuwK 21. cÖwZ‡hvwMZvq wU‡K †_‡K `xN© †gqv‡` fv‡jv
enb K‡i †K? 11. †P‡Ki Avw`ó †K?
Kivi Rb¨ ÔmyMÜv e¨vsKÕ-†K Ki‡Z n‡e
K †K›`ªxq e¨vsK L A_© gš¿Yvjq K e¨vsK L aviK
i. bZzb bZzb FY`vb †ÿ‡Î m„wó
M cÖvcK N AvgvbZKvix
M †nvwìs †Kv¤úvwb N mvewmwWqvwi e¨vsK ii. AvgvbZKvix e„w× Kiv
3. e¨vs‡Ki Kvh©vewjmg~n n‡jv 12. ûKzg †P‡Ki UvKv D‡Ëvjb Ki‡Z cv‡i
iii. MÖvnK †mevi gvb e„w× Kiv
i. evnK
i. FY cÖ`vb wb‡Pi †KvbwU mwVK?
ii. cÖvcK
ii. g~jab MVb K i I ii L i I iii M ii I iii N i, ii I iii
iii. Aby‡gv`b e‡j cÖvcK
iii. AvgvbZ msMÖn 22. †mvbvjx GKwU AwfRvZ gv‡K©‡U w_ª-wcm wKb‡Z
wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii †Mj| wKš‘ w_ª-wcm µ‡qi Rb¨ h‡_ó cwigvY
K i I ii L i I iii M ii I iii N i, ii I iii 13. †P‡K `vMKvUv nq †Kb? bM` UvKv bv _vKvq †m KvW© Øviv Zvi A¨vKvD›U
 DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : K miKvwi wb‡`©k †_‡K UvKv D‡Ëvjb K‡i w_ª-wcm µq Kij|
iwng wgqv GKRb K…lK| Zvi K…wlRwg QvovI L †PK evwZjKiY †mvbvjx †Kvb ai‡bi KvW© eënvi Kij?
Mevw` cïi Lvgvi i‡q‡Q| wZwb Ggb GKwU M mn‡R UvKv D‡Ëvjb K gv÷vi KvW© L ¯§vU© KvW©
e¨vs‡K wnmve cwiPvjbv K‡ib †hLv‡b FY, K…wl N RvwjqvwZ I cÖZviYv‡iva M †µwWU KvW© N †WweU KvW©
welqK civgk© Ges Mevw`cï msµvšÍ  DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : 23. 20 UvKvi †bv‡U Kvi ¯^vÿi _v‡K?
cÖ‡qvRbxq Z_¨ I civgk© †Ìqv nq| wg. kvnxb Gwewm wj. n‡Z GKwU †PK †c‡jb K Mfb©i L A_©mwPe
4. DÏxc‡K iwng wgqv †Kvb e¨vs‡K wnmve †hwU wb‡æv³fv‡e `vMKvUv| M ivóªcwZ N A_©gš¿x
cwiPvjbv K‡ib? 24. ê‡`wkK evwYR¨ Ki‡Z n‡j †Kvb `wjjwU
K K…wl e¨vsK L wkí e¨vsK AwaK ¸iæZ¡c~Y©?
M wewb‡qvM e¨vsK N wewbgq e¨vsK K ågYKvixi †PK L †c-AW©vi
5. DÏxc‡K DwjøwLZ e¨vswUi A_©bxwZ‡Z wg. kvnx‡bi AMÖYx e¨vs‡K †Kv‡bv wnmve †bB| M cÖZ¨qcÎ N e¨vsK AvÁvcÎ
14. DÏxc‡Ki †PKwU †Kvb ai‡bi †PK? 25. wegvK…Z welqe¯‘‡Z wegvMÖnxZvi Avw_©K ¯^v_©‡K
Ae`vbmg~n n‡jv
K evnK L ûKzg Kx e‡j?
i. Kg©ms¯’vb m„wó
M mvaviY `vMKvUv N we‡kl `vMKvUv K wegv ¯^v_© L AvBbMZ ¯^v_©
ii. Lv`¨ wbivcËv
15. †PKwU bM‡ì †ÿ‡Î wg. kvnx‡bi KiYxqmg~n n‡jv M wegv‡hvM¨ ¯^v_© N gybvdv AR©‡bi ¯^v_©
iii. cywói Pvwn`v wgUv‡bv
i. cwiwPZ †h †Kv‡bv e¨w³i e¨vsK wnmv‡e 26. †Mvôx wegv Kvi Rb¨ cÖ‡hvR¨?
wb‡Pi †KvbwU mwVK? †PKwU Rgv †Ìqv K wbw`©ó RvwZ‡Mvôx
ii. AMÖYx e¨vs‡K wnmve Ly‡j †PKwU Rgv †Ìqv L GKB cwiev‡ii m`më„›`
6. †K›`ªxq e¨vs‡Ki KvR n‡jv iii. Gwewm wj. KZ…©K `vM AcmviY K‡i e¨vs‡K M cÖwZôv‡bi mKj Kg©Pvix
i. †bvU Bmy¨ Kiv †PK Rgv w`‡q bM` D‡Ëvjb N eÜy-evÜe
ii. wej evÆv Kiv wb‡Pi †KvbwU mwVK? 27. †Kvb wegvi mv‡_ ¯’jvwfwl³Ki‡Yi bxwZ m¤úK©nxb?
iii. FY wbqš¿Y Kiv K i I ii L i I iii M ii I iii N i, ii I iii
K †bŠ L Rxeb
wb‡Pi †KvbwU mwVK? 16. PIN Gi c~Y©iƒc Kx? M m¤úwË N AwMœ
K i I ii L i I iii M ii I iii N i, ii I iii K Public Identification Number
L Person Identification Number  DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI :
 DÏxcKwU c‡o 7bs cÖ‡kœi DËi `vI : M Personal Identification Number wg. Ave`y‡ji eqm 45 eQi| wegvK…Z A‡¼i
m¤úÖwZ evsjv‡`k e¨vsK ZvwjKvfz³ evwYwR¨K N Private Identification Number
cwigvY 45,000 UvKv| ZvB cÖwZeQi avh©K…Z
e¨vsK¸‡jv‡K wb‡`©kbv w`‡q‡Q Zv‡ì cÖ`Ë F‡Yi 17. ga¨‡gqvw` F‡Yi †gqv` KZ eQi?
wcÖwgqv‡gi cwigvc ùvovq 2,000, 4,000,
10% Aek¨B K…wl Lv‡Z cÖ`vb Ki‡Z n‡e| K 0.5-1 L 0.5-2
M 1-5 N 5-7
6,000, 8,000 I 10,000 UvKv| myZivs
7. DÏxc‡K evsjv‡`k e¨vs‡Ki wb‡`©kbvwU †Kvb evrmwiK wKw¯Íi cwigvY 6,000 UvKv|
FY wbqš¿Y c×wZi AšÍfz©³? 18. KYC d‡g©i gva¨‡g Rvbv hvq
28. DÏxc‡K DwjøwLZ wcÖwgqvg wba©vi‡Yi c×wZ †KvbwU?
K e¨vsK nvi L F‡Yi eivÏKiY i. MÖvn‡Ki mwVK cwiPq
K wbiƒcY c×wZ
M Rgvi nvi cwieZ©b N †LvjvevRvi ii. †jb‡`‡bi cÖK…wZ
L mgwKw¯Í c×wZ
8. †LvjvevRv‡i †K›`ªxq e¨vsK wej, wmwKDwiwUR iii. MÖvn‡Ki FY cwi‡kv‡ai gvbwmKZv
M ¯^vfvweK wcÖwgqvg cwiKíbv c×wZ
I FYcÎ weµq Ki‡j Kx NU‡Z cv‡i? wb‡Pi †KvbwU mwVK?
K i I ii L i I iii M ii I iii N i, ii I iii N Amg wKw¯Í c×wZ
K evRv‡i F‡Yi cwigvY evo‡e 29. wcÖwgqvg wba©vi‡Yi D³ c×wZwUi myweav Kx?
19. ÿwZi Avk¼v ¯^vfvwe‡Ki †P‡q Kg _vK‡j
L bM` Rgvi nvi n«vm cv‡e K cÖwZeQi bZzb nv‡i wcÖwgqvg w`‡Z nq
Zv‡K Kx ejv nq?
M e¨vsK nvi AcwiewZ©Z _vK‡e L cÖwZeQi wcÖwgqv‡gi cwigvY mgvb nv‡i ev‡o
K Av`wk©K L DËg Av`wk©K
N evwYwR¨K e¨vs‡Ki FY`vb ÿgZv Kg‡e M GwU ïayB wegvMÖnxZvi Rb¨ jvfRbK
M Dc-Av`wk©K N Kg Av`wk©K
9. wegvPzw³i êwkó¨ n‡”Q  DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : N GwU GKwU RwUj c×wZ
i. SzuwK eÈb ÔmyMÜv e¨vsKÕ cÖwZwôZ nIqvi ciciB 30. eëmvq m¤úÖmvi‡Y wegvi cÖavb ¸iæZ¡ †KvbwU?
ii. gvbwmK cÖkvwšÍ AvgvbZ MÖnY, FY`vbmn me †ÿ‡Î cÖe„w× K wewb‡qv‡Mi Drmvn m„wó
iii. gvbeKj¨vY AR©b Ki‡Z mÿg n‡q‡Q| Z‡e GLb Zxeª L Avw_©K wbivcËv weavb
wb‡Pi †KvbwU mwVK? cÖwZ‡hvwMZvi evRv‡i e¨vsKwU wU‡K _vKvi Rb¨ M gvbwmK cÖkvwšÍ
K i I ii L i I iii M ii I iii N i, ii I iii cwiPvjbvmsµvšÍ mveavbZvi K_v fve‡Q| N mvgvwRK Kj¨vY
1 L 2 M 3 N 4 K 5 K 6 L 7 L 8 N 9 L 10 M 11 K 12 M 13 N 14 N 15 M
16 M 17 M 18 K 19 L 20 L 21 N 22 N 23 K 24 M 25 M 26 M 27 L 28 M 29 L 30 K

1. A‡bK¸‡jv e¨vsK GKUv †nvwìs †Kv¤úvwbi 11. †K›`ªxq e¨vs‡Ki FY wbqš¿‡Yi ¸YMZ 20. Kx Kvi‡Y wegv †Kv¤úvwb cÖ¯ÍvewU
Aax‡b _vK‡j Zv‡K Kx e‡j? c×wZ †KvbwU? cÖZ¨vL¨vb K‡i?
K wgkÖ e¨vsK L †K›`ªxq e¨vsK K Rgvi nvi cwieZ©b bxwZ K P‚ovšÍ mwØk¦v‡mi Afve
M MÖæc e¨vsK N GKK e¨vsK L cÖvwšÍK nvi cwieZ©b bxwZ L SzuwKi AvwaK¨
2. Kvh©wfwËK e¨vs‡Ki †kÖwYwefvM †KvbwU? M e¨vsK nvi bxwZ M êa cÖwZ`v‡bi Afve
K ¯^vqËkvwmZ e¨vsK L mgevq e¨vsK N †LvjvevRvi bxwZ N wegv‡hvM¨ ¯^v‡_©i Afve
M evwYwR¨K e¨vsK N kvLv e¨vsK 12. gy`ªvevRv‡ii Dcv`vb †KvbwU? 21. mgc© Y g~j¨ cwi‡kv‡ai Rb¨ Kgc‡ÿ KZ
3. wb‡Pi †KvbwU Zdwmjewnf‚©Z e¨vsK? K †UªRvwi eÛ L †kqvi
eQi wegvcÎ Pvjy ivLv cÖ‡qvRb?
K evsjv‡`k K…wl e¨vsK K 1 eQi L 2 eQi
M wW‡eÂvi N †UªRvwi wej
M 3 eQi N 4 eQi
L cÖvBg e¨vsK 13. KZ Kvh©wèm ci ci wbKvk N‡ii
M Kg©ms¯’vb e¨vsK
22. MICR †KvbwUi mv‡_ m¤ú„³?
m`mïv êV‡K e‡m? K †µwWU KvW© L wfmv KvW©
N c~evjx e¨vsK K cÖwZ Kvh©wè‡m
M †WweU KvW© N †PK
4. bgybv ¯^vÿi Kv‡W©i cÖ‡qvRb nq L `yB Kvh©wè‡m 23. av‡i cY¨ †Kbv‡ePvi †ÿ‡Î †KvbwU eënvi
i. A_© D‡Ëvj‡bi †ÿ‡Î M wZb Kvh©wè‡m Kiv nq?
ii. MÖvn‡Ki cwiwPwZi †ÿ‡Î N mvZ Kvh©wèm K †PK L wewbgq wej
iii. A_© Rgv`v‡bi †ÿ‡Î 14. †Kvb evRvi †_‡K ¯^í‡gqvw` g~jab M †c-AW©vi N †UªRvwi wej
wb‡Pi †KvbwU mwVK? msMÖn Kiv hvq? 24. AvBbMZ ¯^xK…wZi Rb¨ wewbgq we‡j Kx
K i I ii L i I iii K cuywRevRvi L g~jab evRvi ms‡hvRb Kiv eva¨Zvg~jK?
M ii I iii N i, ii I iii M gy`ªvevRvi N BKz¨BwU evRvi K Amxg cwi‡kva mgq
5. †KvbwU AvÂwjK e¨vsK? 15. AbjvBb e¨vswKs eë¯’vq wb‡Pi †KvbwUi L ÷¨v¤ú
K †dWv‡ij wiRvf© wm‡÷g eënvi me‡P‡q †ewk n«vm †c‡q‡Q? M Awbw`©ó cwigvY N kZ©h³ y Av‡`k
L wek¦ e¨vsK K cvk ewn L †c-AW©vi 25. †h wnmve bevqb‡hvM¨ wKš‘ wbw`©ó †gqv‡ì
M Gwkqvb Dbœqb e¨vsK M e¨vsK WªvdU N ågYKvixi †PK Rb¨ Kiv nq Zv‡K Kx e‡j?
N e¨vsK Gwkqv 16. †kqv‡i A_ wewb‡qvM †Kvb ai‡bi SzuwK? K ¯’vqx wnmve
6. gvB‡µv dvBb¨vÝ ms¯’v mvaviYZ †Kvb L mÂqx wnmve
K weï× L dUKv
e¨vsK? M PjwZ wnmve
M wbw`©ó N †gŠwjK
K MÖvgxY e¨vsK L †mvbvjx e¨vsK N kÖwgK mÂqx wnmve
17. †Kvb SzuwKi djvdj mvaviYfv‡e mevB‡K
M RbZv e¨vsK N b¨vkbvj e¨vsK 26. †PK n¯ÍvšÍ‡ii mv‡_ mv‡_ gvwjKvbvI
ÿwZMÖ¯Í K‡i?
7. gybvdv †_‡K e¨vsK KZ % A_© wewae× n¯ÍvšÍwiZ nq †Kvb †P‡Ki?
K Awbw`©ó SzuwK L †gŠwjK SzuwK
wiRvf© wnmv‡e ¯’vbvšÍi K‡i? K evn‡K †PK L ûKzg †PK
M wbw`©ó SzuwK N dUKv SzuwK M `vMKvUv †PK N duvKv †PK
K 10% L 15%
18. PjwZ I ¯’vqx wnmv‡ei wg‡ji †ÿÎ 27. `vMKvUv †PK Kvi wbivcËv wbwðZ K‡i?
M 25% N 20%
†KvbwU? K Av‡`óv L Avw`ó
8. D‡ËvjbK…Z UvKv AvgvbZKvix wnmv‡e Kx K cÖv_wgK Rgv mgvb M cÖvcK N evnK
Kiv nq? L my‡ì nvi mgvb 28. wegvcÎ Pvjv‡Z Amg_© n‡j wegv cÖwZôvb
K †WweU
M Dfq wnmv‡ei wec‡ÿ e¨vsK FY †`q wegvMÖnxZv‡K †h g~j¨ †diZ †`q Zv‡K Kx
L †µwWU
N Dfq wnmve †_‡KB e¨vsK mvwf©m PvR© e‡j?
M †WweU I †µwWU DfqB
Av`vq K‡i K †evbvm L e„wË
N †hvM M mgc© Y g~ j ¨ N gybvdv
9. e¨vsK nvi evo‡j Kx cÖfve c‡o? 29. †Kvb wegvi gva¨‡g AvšÍR©vwZK evRvi
K F‡Yi cwigvY †e‡o hvq
wg. AvKvk A‡bKw`b hver GKwU †gwkb
m¤úÖmvwiZ n‡”Q?
L MÖvnK FY wb‡Z Pvq bv
fvovq eënvi K‡i Avm‡Qb| wZwb wbR
K AwMœ wegv L †bŠ wegv
M A‡_©i µqÿgZv K‡g hvq bv‡g D³ †gwk‡bi wegv Ki‡Z PvB‡j wegv
M †Mvôx wegv N `vq wegv
N ê‡`wkK evwYR¨ ev‡o †Kv¤úvwb Zvi cÖ¯Ív‡e A¯^xK…wZ Rvbvq|
30. A½xKvicÎ Kx‡mi A½xKvi?
10. MÖvn‡Ki hveZxq Z_¨ msMÖn Kiv nq 19. wg. AvKvk †Kvb ai‡bi wegv Ki‡Z K FY cwi‡kv‡ai
wKfv‡e? †P‡qwQ‡jb? L µqg~j¨ cwi‡kv‡ai
K bZzbv KvW© Øviv L KYC dg© Øviv K `vq wegv L m¤úwË wegv M my` cwi‡kv‡ai
M cwiPqcÎ Øviv N Ab¨vb¨ Z_¨ Øviv M †eKvi wegv N AwMœ wegv N AvqKi cwi‡kv‡ai
1 M 2 M 3 M 4 K 5 M 6 K 7 N 8 K 9 L 10 L 11 L 12 N 13 K 14 M 15 M
16 L 17 L 18 M 19 L 20 N 21 L 22 N 23 L 24 L 25 K 26 K 27 M 28 M 29 L 30 K

1. e¨vs‡Ki mv‡_ †jb‡`‡bi cÖ‡qvRb c‡o 11. Kx‡mi gva¨‡g gvbyl e¨vswKs myweav jv‡fi 24. e¨vsK wnmve Lyj‡Z KYC dg© c~iY
i. A_©msiÿ‡Yi cÖ‡qvR‡b AwaKvix nq? eva¨Zvg~jK Kiv n‡q‡Q †Kvb AvBb
ii. Avw_©K †jb‡`‡bi cÖ‡qvR‡b K e¨vs‡K Avmv-hvIqvi gva¨‡g cÖeZ©‡bi d‡j?
iii. eëmv‡qi mybvg e„w×i cÖ‡qvR‡b L e¨vsK wnmve †Lvjvi gva¨‡g K e¨vsK †Kv¤úvwb AvBb
wb‡Pi †KvbwU mwVK? M g¨v‡bRv‡ii mv‡_ †`Lv Kivi gva¨‡g L eëmvq AvBb
K i I ii L i I iii M ii I iii N i, ii I iii N e¨vs‡Ki cv‡k emv _vK‡j M n¯ÍvšÍi‡hvM¨ `wjj AvBb
2. KZ mv‡j Rxeb wegv eëmv‡qi hvÎv ïiæ nq? 12. Ôgy`ªvi cÖ‡qvR‡bB G‡m‡Q e¨vsKÕ G N gvwb jÛvwis AvBb
K 1696 L 1796 K_vwU †K e‡j‡Qb? 25. †PK Aby‡gv`‡bi mgq †Kv‡bv kZ©
M 1680 N 1780 K g¨vKwjW L nvbœv Av‡ivc Kiv n‡j Zv‡K Kx ai‡bi
3. SzuwK MÖn‡Yi wewbgq g~j¨‡K Kx e‡j? M Avi.wc. K¨v›U N jyKv c¨vwmIwj Aby‡gv`b ejv nq?
K wcÖwgqvg L †evbvm 13. wegvPzw³i †ÿ‡Î AvBbMZfv‡e †K cÖ¯Íve K‡i? K AvswkK Aby‡gv`b
M e„wË N bM` K wegvKvix L wegvMÖnxZv L duvKv Aby‡gv`b
4. evsjv‡`‡ki †K›`ªxq e¨vs‡Ki bvg Kx? M wegv Kg©x N wegv cÖwZôvb M kZ©mv‡cÿ Aby‡gv`b
K evsjv‡`k e¨vsK L XvKv e¨vsK
14. wegv Pzw³i Acwinvh© Dcv`vb n‡jv N we‡kl Aby‡gv`b
M e¨vsK Ae evsjv‡`k
i. `ywU cÿ 26. †Kvb ai‡bi †P‡K cÖvc‡Ki bvg bv _vKvi
N wmwU e¨vsK
ii. mÂ‡qi myweav Kvi‡Y †PK cÖZ¨vL¨vZ nq?
 DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : iii. wegv‡hvM¨ ¯^v_© K `vMKvUv †PK L duvKv †PK
wg. 'X' GKRb cÖwZwôZ e¨vsKvi| Zvi wb‡Pi †KvbwU mwVK? M evnK †PK N ûKzg †PK
Kg©iZ e¨vsKwU gy`ªvevRvi wbqš¿‡Yi K i I ii L i I iii M ii I iii N i, ii I iii
cvkvcvwk †bvU Bmyï GKK AwaKvi †fvM 15. †KvbwUi AeZ©gv‡b †Kv‡bv e¨w³ wegvPzw³  DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI :
K‡i| wZwb D³ e¨vs‡Ki FY wbqš¿Y cÙv e¨vsK †`‡ki GKwU ZvwjKvfz³
m¤úv`b Ki‡Z cv‡i bv?
Kvh©vewj‡Z cÖZ¨ÿfv‡e AskMÖnY K‡ib| K P‚ovšÍ mwØk¦vm L wegv‡hvM¨ ¯^v_©
evwYwR¨K e¨vsK hv †gNbv e¨vs‡Ki Av‡`k
5. wg. 'X' †Kvb e¨vs‡Ki e¨vsKvi wn‡m‡e Kg©iZ? M ÿwZc~iY N wKw¯Í
Abymv‡i KvR K‡i _v‡K| †`‡ki FY
K evwYwR¨K e¨vsK L †K›`ªxq e¨vsK 16. A_©evRvi wbqš¿Y K‡i †Kvb e¨vsK? wbqš¿‡Yi j‡ÿ¨ †gNbv e¨vsK cÙv e¨vsK‡K
M wkí e¨vsK N mgevq e¨vsK K Bmjvgx e¨vsK L †mvbvjx e¨vsK Av‡Mi †P‡q Zvi Avgvb‡Zi 5% †ewk
6. wg. 'X'-Gi Kg©iZ e¨vsKwU f‚wgKv iv‡L M †K›`ªxq e¨vsK N RbZv e¨vsK SLR eva¨Zvg~jKfv‡e †gNbv e¨vs‡K Rgv
i. AvšÍte¨vswKs †`bv-cvIbv wb®úwË‡Z 17. Rxeb wegv Pzw³i Acwinvh© Dcv`vb †KvbwU? ivL‡Z e‡j|
ii. miKvwi Znwej I DØ„Ë msiÿ‡Y K gvbe Rxe‡bi mv‡_ mswkøóZv 27. DÏxc‡K FY wbqš¿‡Yi †Kvb bxwZi K_v
iii. MÖvn‡Ki e¨vsK wnmve myôz cwiPvjbvq L e¯‘MZ wegv‡hvM¨ ¯^v_© ejv n‡q‡Q?
wb‡Pi †KvbwU mwVK? M g‡bvqb‡hvM¨ K e¨vsK nvi bxwZ
K i I ii L i I iii M ii I iii N i, ii I iii N n¯ÍvšÍi‡hvM¨ L Rgvi nvi cwieZ©b bxwZ
7. †P‡Ki D‡ëv wc‡V cÖvc‡Ki bvg wj‡L †h 18. miKv‡ii FYMÖn‡Yi cÖavb Drm †KvbwU? M †Lvjv evRvi bxwZ
Aby‡gv`b †Ìqv nq Zv‡K Kx e‡j? K RbMY L †K›`ªxq e¨vsK N F‡Yi cÖvwšÍK nvi cwieZ©b bxwZ
K kZ©mv‡c‡ÿ Aby‡gv`b M wek¦e¨vsK N †emiKvwi e¨vsK 28. cÙv e¨vs‡Ki SLR Gi Dcv`vb¸‡jv n‡jvÑ
L mxwgZ Aby‡gv`b 19. Ôe¨vsK Ae evwm©‡jvbvÕ KZ m‡b cÖwZwôZ nq? i. †K›`ªxq e¨vs‡Ki iwÿZ bM` Rgvi
M we‡kl Aby‡gv`b K 1157 m‡b L 1401 m‡b Avek¨KZv
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nq ivó«cwZi KZ bs Av‡`kg‡Z? K Rxeb L †bŠ
K 75 L 85 M AwMœ N Mevw`cï
M 95 N 105
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29. mymsMwVZ gy`ªvevRvi MV‡bi †ÿ‡Î †Kvb
9. 'Monte' k‡ãi A_© Kx? m¤ú‡K© aviYv cvIqv hvq Zv‡K Kx e‡j?
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10. †WweU Kv‡W©i myweav n‡jv M †K›`ªxq e¨vsK N †emiKvwi e¨vsK
K e¨vswKs L cÖZ¨qcÎ
i. 24 NÈv eënvi M bM`vb eB N P‚ovšÍ wnmve 30. †Kv‡bv wbw`©ó ev msiwÿZ ZvwjKvi
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wb‡Pi †KvbwU mwVK? K e¨vsKv‡ii L Avw`‡ói K we‡`wk e¨vsK L †emiKvwi e¨vsK
K i I ii L ii I iii M i I iii N i, ii I iii M Av‡`óvi N eëmvqxi M †K›`ªxq e¨vsK N ZvwjKvfz³ e¨vsK
1 K 2 K 3 K 4 K 5 L 6 K 7 L 8 M 9 L 10 M 11 L 12 L 13 L 14 L 15 L
16 M 17 K 18 L 19 L 20 K 21 K 22 K 23 M 24 N 25 M 26 N 27 L 28 L 29 M 30 N

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AwaK Abykxj‡bi Rb¨ †evW© cÖkc

GBPGmwm cixÿvi cÖkc

GBPGmwm cixÿvi cÖkc

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G·K¬zwmf g‡Wj †U÷ I DËigvjv : eûwbe©vPwb ----------------------------------------------------- 6569

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7 ewikvj †evW© 2022 welq †KvW : 2 9 2

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9 gqgbwmsn †evW© 2022 welq †KvW : 2 9 2

10 XvKv †evW© 2021 welq †KvW : 2 9 2

11 ivRkvnx †evW© 2021 welq †KvW : 2 9 2

12 h‡kvi †evW© 2021 welq †KvW : 2 9 2

13 Kzwgjøv †evW© 2021 welq †KvW : 2 9 2

14 PÆMÖvg †evW© 2021 welq †KvW : 2 9 2

15 wm‡jU †evW© 2021 welq †KvW : 2 9 2

16 ewikvj †evW© 2021 welq †KvW : 2 9 2

17 w`bvRcyi †evW© 2021 welq †KvW : 2 9 2

18 gqgbwmsn †evW© 2021 welq †KvW : 2 9 2

GBPGmwm cix¶vi cÖkœcÎ I DËigvjv : eûwbe©vPwb

20 ivRkvnx †evW© 2022 welq †KvW : 2 9 2

21 h‡kvi †evW© 2022 welq †KvW : 2 9 2

22 Kzwgjøv †evW© 2022 welq †KvW : 2 9 2

23 PÆMÖvg †evW© 2022 welq †KvW : 2 9 2

24 wm‡jU †evW© 2022 welq †KvW : 2 9 2

25 ewikvj †evW© 2022 welq †KvW : 2 9 2

26 w`bvRcyi †evW© 2022 welq †KvW : 2 9 2

27 gqgbwmsn †evW© 2022 welq †KvW : 2 9 2

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28 XvKv †evW© 2021 welq †KvW : 2 9 2

29 ivRkvnx †evW© 2021 welq †KvW : 2 9 2

30 h‡kvi †evW© 2021 welq †KvW : 2 9 2

31 Kzwgjøv †evW© 2021 welq †KvW : 2 9 2

32 PÆMÖvg †evW© 2021 welq †KvW : 2 9 2

33 wm‡jU †evW© 2021 welq †KvW : 2 9 2

34 ewikvj †evW© 2021 welq †KvW : 2 9 2

35 w`bvRcyi †evW© 2021 welq †KvW : 2 9 2

36 gqgbwmsn †evW© 2021 welq †KvW : 2 9 2

kxl©¯’vbxq K‡j‡Ri †U÷ cixÿvi cÖkœcÎ : m„Rbkxj

38 mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi welq †KvW : 2 9 2

39 Lyjbv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

40 Kzwgjøv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

41 we G Gd kvnxb K‡jR, PÆMÖvg welq †KvW : 2 9 2

42 Rvjvjvev` K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR, wm‡jU welq †KvW : 2 9 2

43 wm‡jU K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR welq †KvW : 2 9 2

44 Ag„Z jvj †` gnvwe`¨vjq, ewikvj welq †KvW : 2 9 2

45 w`bvRcyi miKvwi K‡jR welq †KvW : 2 9 2

46 Avb›` †gvnb K‡jR, gqgbwmsn welq †KvW : 2 9 2

kxl©¯’vbxq K‡j‡Ri †U÷ cixÿvi cÖkœcÎ

48 XvKv Bgwcwiqvj K‡jR welq †KvW : 2 9 2

49 mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi welq †KvW : 2 9 2

50 Lyjbv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

51 Kzwgjøv miKvwi gwnjv K‡jR welq †KvW : 2 9 2

52 we G Gd kvnxb K‡jR, PÆMÖvg welq †KvW : 2 9 2

53 wm‡jU K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR welq †KvW : 2 9 2

54 Ag„Z jvj †` gnvwe`¨vjq, ewikvj welq †KvW : 2 9 2

55 w`bvRcyi miKvwi K‡jR welq †KvW : 2 9 2

56 Avb›` †gvnb K‡jR, gqgbwmsn welq †KvW : 2 9 2