Aa¨vq t 3  A‡_©i mgqg~j¨

Ávbg~jK cÖ‡kœvËi:
cÖkœ-1. A‡_©i mgqg~j¨ wbav©i‡Yi g~j KviY †KvbwU?
DËi: A‡_©i mgqg~j¨ wbav©i‡Yi g~j KviY my‡`i nvi|
cÖkœ-2. my` Avm‡ji Ici cÖ`Ë my`‡K Kx e‡j?
DËi: my` Avm‡ji Ici cÖ`Ë my`‡K Pµe„w× my` e‡j|
cÖkœ-3. ICB Kx?
DËi: ICB (Investment Corporation of Bangladesh) n‡jv GKwU wewb‡qvM ms¯’v|
cÖkœ: 4. cÖK…Z my` Kx?
GKwU wbw`©ó †gqv‡`i Rb¨ MÖnYK…Z F‡Yi my` Pµe„w× nv‡i e„w× †c‡q
H wbw`©ó †gqv‡`i †h my` nq ZvB cÖK…Z my`|
cÖkœ-5. BEP Gi c~Y©iƒc Kx?
DËi: BEP Gi c~Y©iƒc Break Even point
cÖkœ-6. EAR Gi c~Y©iæc Kx?
DËi: EAR Gi c~Y©iæc n‡jv Effective Annual Rate|
cÖkœ-7. evUªv nvi Kx?
DËi: bM` cÖevn wba©vi‡Yi ci †m¸‡jv‡K bM` g~‡j¨ iæcvšÍ‡ii nvi‡K evUªv nvi e‡j|
cÖkœ-8. Avw_©K SzwK Kx?
DËi: e¨emv‡qi `vq cwi‡kv‡ai AÿgZv †_‡K †h SzwuKi m„wó nq Zv‡K Avw_©K SuywK e‡j|
cÖkœ-9. fwel¨r g~j¨ Kx?
DËi: eZ©gv‡b wbw`©ó cwigvY A_© wbw`©ó my‡`i nv‡i wewb‡qvM Ki‡j †gqv` †k‡l †h
cwvigvY A_© cvIqv hv‡e Zv‡K fwel¨r g~j¨ e‡j|
cÖkœ-10. †fv³v FY Kx?
DËi: e¨vsK †_‡K ‡fvM¨cb¨; †hgb-Mvwo, wd«R, Kw¤úDUvi BZ¨vw` µq Kivi Rb¨ †h FY
‡bqv nq Zv‡K †fv³ FY e‡j|

Abyavebg~jK cÖ‡kœvËi:
cÖkœ-1. A‡_©i mgq g~j¨ Rvbv †Kb cÖ‡qvRb? e¨vL¨v Ki|
DËi: e¨emvq A_©vq‡bi wm×v‡šÍi †ÿ‡Î A‡_©i mgqg~‡j¨i avibvwU
¸iyZ¡c~Y©| KviY †Kvb Drm n‡Z FY MÖnY Ki‡j KZ
nv‡i my` ev wKw¯Í cÖ`vb Ki‡Z n‡e Zv Rvbv _vK‡j mwVK A_©vqb m¤¢e
nq|
A‡_©i mgq g~j¨ we‡ePbv bv K‡i FY MÖnY Ki‡j e¨emvq‡q †jvKmv‡bi m¤
¢vebv _v‡K| ZvB A‡_©i mgqg~j¨ wba©viY
cÖ‡qvRb|
cÖkœ-2. A‡_©i eZ©gvb gyj¨ ej‡Z Kx †evS? e¨vL¨v K‡iv|
DËi: fwek¨‡Zi †Kv‡bv wbw`©ó g‡q Pµe„w× my‡`i nv‡i GKwU wbw`ó
cwigvb UvKv cvIqvi R‡b¨ †h cwigvb UvKv
eZ©gv‡b wewb‡qvM Kiv cÖ‡qvRb n‡e Zv‡K H A‡_©i eZ©gvb g~j¨ e‡j|
fwek¨‡Z cÖvß bM` cÖev‡ni Rb¨ wbavwiZ my‡`i nv‡i evUªvKi‡Yi gva¨‡gB
eZ©gvb g~j¨ wbiƒcY Kiv nq|
cÖkœ-3. Ômy‡`I nvi A_¨‡K Zvi mgqg~j¨ †`hÕ – e¨vL¨v K‡iv|
DËi: mg‡qi mv‡_ mv‡_ A‡_©i g~j¨ cwiewZ©Z nq| fwel¨‡Z cÖvc¨ A‡_©i
g~j¨ I eZ©gvb g~j¨ mgvb bq|
mgvaviYZ g~j¨¯Í‡ii cwieZ©b, gy`ªvùxwZi nvi cÖf~wZ we‡qi mgš^‡qB
my‡`i nvi wbaviY Kiv nq| g„`ªvùxwZ Z_v
g~j¨¯Í‡ii cwieZ©‡bi Kvi‡b A‡_¨©i Kªq ÿgZv n«vm cvq| ZvB m¤ú~Y©iæ‡c
bv n‡jI my‡`I nvi ev my` wewb‡qvMK…Z A_©‡K
g~j¨RwbZ ÿwZc~iY ev Zvi mgqg~j¨ †`q|
cÖkœ-4. cÖKí g~j¨vqb aviYvwU e¨vL¨v K‡iv|
DËi: `xN©‡gqvw` cÖK‡íi eZ©gvb e¨‡qi mv‡_ fwel¨r Av‡qi g‡a¨ Zzjbv
Kiv‡K cÖKí g~j¨vqb e‡j|
fwel¨‡Z cÖvß bM` cÖev‡ni eZ©gvb g~j¨ hw` µq g~j¨ n‡Z †ewk nq Zvn‡j
cÖKíwU g~j¨vqb K‡i MÖnY Kiv nq| eZ©gvb
g~j¨ e¨envi K‡i cÖK‡íi wewb‡qvM wm×všÍ MÖnY Kiv nq|
cÖkœ-5. Pµe„w×KiY c×wZwU e¨vL¨v K‡iv|
DËi: †h c×wZ‡Z Pµe„w× my‡`i aviY e¨envi K‡I fwel¨r g~j¨ wbY©q Kiv nq,
Zv‡K PKªe„w×KiY e‡j|
mvaviYZ †hme †ÿ‡Î cÖv_wgK Avmj UvKv QvovI c~e©eZx© eQ‡ii AwR©Z
my‡`i IciI my` †`qvi e¨e¯’v _v‡K Zv‡K
Pµe„w×KiY my` e‡j| Giæc my` eQ‡i GKevi aiv nq; KLbI Avevi cÖwZ gv‡m
gv‡m aiv nq| Z‡e gvmwfwËK Pµe„w×
n‡j my‡`i nvi‡K 12 w`‡q fvM Ges †gqv`‡K 12 w`‡q ¸Y Ki‡Z n‡e|
 Ávb (K) I Abyavebg~jK (L) cÖkœ

1. A‡_©i mgqg~j¨ Kx?

2. A‡_©i mgqg~‡j¨i g~j KviY Kx?
3. A‡_©i mgqgy‡j¨i fwelr g~j¨ †ei Kivi m~ÎwU Kx?
4. Pµe„w×KiY Kx?
5. Pµe„w× my` Kx?
6. evUªvKiY Kx?
7. eQ‡i GKvwaKevi Pµe„w×Ki‡Yi gva¨‡g fwel¨r g~j¨ wbaviY Kivi myÎwU Kx?
8. ‡fv³ FY Kx?
9. my‡hvM e¨q Kx?
10. e¨emv‡qi cÖwZwU wm×v‡šÍi mv‡_ Kx RwoZ _v‡K?
11. kZKiv 10% nv‡i eZ©gvb 100 UvKvi 5 eQi c‡ii fwel¨r g~j¨ KZ n‡e?
12. eQ‡i GKvwaKevi Pµe„w×KiY cÖwµqv e¨vL¨v Ki|
13. 13 iƒi 72 e¨vL¨v Ki|

m„Rbkxj cÖ‡kœvËi t 01

Rbve Avjxg mv‡ne GKwU evwYwR¨K e¨vs‡Ki 6 eQ‡i UvKv wظY nIqvq cwjwm‡Z 2 j¶
UvKv Rgv ivL‡Z wM‡q Zvi eÜzi civg‡k© e¨vs‡K bv †i‡L 13% gybvdvq GKB †gqv‡`i
mÂqcÎ μq K‡ib|
(K) my‡`i nv‡ii Kvi‡Y eZ©gvb I fwel¨r mg‡qi g‡a¨ wK‡mi cv_©K¨ m„wó nq?
(L) Pμe„w×KiY c×wZwU e¨vL¨v Ki|
(M) Rbve Avjx‡gi A‡_©i fwel¨r g~j¨ Pμe„w× cªwμqv wbY©q Ki|
(N) A_© wewb‡qv‡Mi †¶‡Î Rbve Avjx‡gi wm×v‡šÍi †hŠw³KZv g~j¨vqb Ki|

DËi t (K)

my‡`i nv‡ii Kvi‡Y eZ©gvb I fwel¨r mg‡qi g‡a¨ A‡_©i g~‡j¨i cv_©K¨ m„wó nq|

DËi t (L)

my‡`i UvKv Avmj UvKvi mv‡_ †hvM n‡q e„w×cÖvß n‡q my`-Avm‡j iæcvšÍwiZ nq| c‡ii
eQi GB my`-Avm‡ji Ici H wbw`©ó nv‡i my` avh© Kiv n‡j cÖvß my`‡K Pµe„w× my` e‡j
Ges cÖwZeQiB my`-Avm‡ji Ici my` av‡h©i G cÖwµqv Pj‡Z _v‡K| †hgb-
awi, cÖ_g eQi e¨vs‡K Rgv 100 UvKv|
my‡`i nvi kZKiv 10 fvM
 cÖ_g eQ‡ii my` = 100 Gi fvM
= 10 UvKv
 cÖ_g eQi †k‡l my`-Avmj (100+10) UvKv
= 110 UvKv
 wØZxq eQ‡i avh©K…Z my` = 110 Gi fvM
= 11 UvKv
g~jK_v,GB cÖwµqvi cÖwZeQi avh©K…Z my` Zvi c~e©eZ©x eQ‡ii my` A‡cÿv †ewk nq
e‡j G‡K Pµe„w×KiY c×wZ e‡j|

DËi t (M)

my‡`i nvi 13%

Avmj 2,00,000 UvKv
‡gqv` 6 eQi
A‡_©i fwel¨r g~j¨ (Pµe„w× cÖwµqv)
= eZ©gvb g~j¨ (1+ my‡`i nvi) †gqv`

= 2,00,000(1+.13)6
= 4,16,390 UvKv
g~jK_v, Pµe„w× cÖwµqvq Rbve Avjx‡gi fwel¨r g~j¨ 4,16,390 UvKv (cÖvq)

DËi t (N)

A‡_© wewb‡qv‡Mi †ÿ‡Î Rbve Avjx‡gi wm×všÍ m¤ú~Y© †hŠw³K n‡q‡Q|

we‡b‡qv‡Mi wm×všÍ †bqvi †ÿ‡Î Avgv‡`i wewfbœ weKí wewb‡qvM c_¸‡jv‡K g~j¨vqb
Ki‡Z nq| Rbve Avjx‡gi `ywU wewb‡qvM c_ †Lvjv Av‡Q| wZwb wm×v‡šÍi †ÿ‡Î Dfq weK‡íi
fwel¨r g~‡j¨i g‡a¨ Zzjbv K‡i‡Qb| cÖ_g weK‡í eQi †gqv‡` 2 jÿ UvKv 13% my‡` e¨vs‡K
ivL‡j fwel¨r g~j¨ nq 4 jÿ UvKv ev wظb | wØZxq weK‡í 6 eQi †gqv‡` 2 jÿ UvKv 13%
my‡` e¨vs‡K ivL‡j fwel¨rg~j¨ nq 416390 UvKv [myÎt eZ©gvb g~j¨ (1+ my‡`i nvi) †gqv`

Abymv‡i]|
myZivs wØZxq weKí †_‡K evowZ fwel¨r g~j¨ cvIqv hv‡e (416390-400000) UvKv ev
16390 UvKv|
Rbve Avjx‡gi wØZxq weK‡í wewb‡qvM Kivi wm×všÍ h_v_© n‡q‡Q|

m„Rbkxj cÖ‡kœvËi t 02
Rbve dinv` mv‡ne Zvi mwÂZ 10 j¶ UvKv 10% my‡` 10 eQ‡ii Rb¨ cÙv e¨vs‡K Rgv ivL‡Z
PvBj| wKš‘ Zvi ¯¿x mvjgv Zv‡K e¨vs‡K Rgv bv †i‡L wbR †cŠimfvq Rwg †Kbvi civgk©
†`b, †hLv‡b 8 eQ‡i Rwgi g~j¨ w`¸Y nIqvq Ges D³ mg‡qi g‡a¨ Rwg †_‡K AwZwi³ 2 j¶
UvKv Av‡qi wbðqZv Av‡Q| welqwU wb‡q Rbve dinv` mv‡ne wm×všÍ nxbZvq fyM‡Q|
(K) evÆvKiY cªwμqvq A‡_©i †Kvb g~j¨‡K fvM Kiv nq?
(L) A‡_©i eZ©gvb I fwel¨r g~‡j¨i cv_©K¨Kvix Dcv`vbwU e¨vL¨v Ki|
(M) cÙv e¨vs‡Ki kZ©vbyhvqx Rbve dinv‡`i A‡_©i fwel¨r g~j¨ wbY©q Ki|
(N) wewb‡qv‡Mi Rb¨ Rbve dinv‡`i †Kvb †¶ÎwU evQvB Kiv DwPZ e‡j g‡b Ki? Dˇii c‡¶
hyw³ `vI|

DËi t (K)

evUªvKiY cÖwµqvq A‡_©i fwel¨r g~j¨‡K fvM Kiv nq|

DËi t (L)

A‡_©i eZ©gvb g~j¨ I fwel¨r g~‡j¨i g‡a¨ cv_©K¨Kvix GKvwaK Dcv`vb cvIqvi hvq| †hgb-
my‡`i nvi, †gqv`, my‡`i cÖK…wZ, Pµe„w×i msL¨v BZ¨vw`| G¸‡jvi g‡a¨ me©v‡cÿv
¸iæZ¡c~Y© Dcv`vb n‡”Q my‡`i nvi|
g~jK_v, cv_©K¨Kvix Dcv`vb¸‡jv n‡jv my‡`i nvi, †gqv`, my‡`i cÖK…wZ, Pµe„w×i msL¨v
BZ¨vw`|

DËi t (M)

Rbve dvnv‡`i A‡_©i fwel¨r g~j¨ wbY©qt

Avmj = 10 jÿ UvKv
my‡`i nvi = 10%
‡gqv` 10 eQi
fwel¨r g~j¨ = Avmj (1+nvi)‡gqv`
= 10,00,000  (1+.10)8
= 25,93,742 UvKv (cÖvq)
D³ cwjwm‡Z 10 eQi ci fwel¨r g~j¨ n‡e 25,93,742 UvKv (cÖvq)

DËi t (N)
wewb‡qvM wm×všÍ MÖnYKv‡j Aek¨B mKj weK‡íi †gqv` mgvb n‡Z nq| Av‡jvP¨ cÖ‡kœ
cÖ_g As‡k weK‡íi †gqv` †`qv Av‡Q 10 eQi wKš‘ wØZxq weK‡í Rwgi g~j¨ wظY nq 8
eQ‡i| ZvB Dfq weK‡íi fwel¨r g~j¨ 8 eQi †gqv` a‡i wbY©q Kiv n‡jv|
cÖ_g weK‡íi fwel¨r g~j¨ = Avmj  (1+nvi)‡gqv`
= 10,00,000  (1+.10)8
= 21,43589 UvKv (cÖvq)
wØZxq weK‡íi fwel¨r g~j¨= (10,00,0002+2,00,000)
= 22,00,000 UvKv
myZivs 8 eQi †gqv` wnmve wØZxq weK‡í fwel¨r g~j¨ (22,00,000-21,43,589) UvKv ev
56,411 UvKv †ewk cvIqv hv‡e|
A_©vr,Rbve dvnv‡`i DwPZ wØZxq weKí †e‡Q †bqv|

cÖ¨vKwUm Askt- m„Rbkxj iPbvg~jK cÖkœt

1. Rbve nvmvb GKwU e¨vs‡K 8 eQi †gqv‡` UvKv wZb M~Y Kivi cwjwm‡Z 2 jÿ UvKv
ivLv‡Z Pvb| wKš‘ Zvi eÜz Zv‡K civgk© w`‡jb D³ UvKv 14.5% nvi my‡` Ab¨ GKwU
e¨vs‡K ivL‡Z| (cvV-3.2.1)
(K) my‡hvM e¨q Kx?
(L) 1 eQi c‡i cÖvße¨ 100 UvKv †P‡q eZ©gv‡b cÖvß 100 UvKv AwaK g~j¨vevb -
e¨vL¨v Ki|
(M) Rbve nvmv‡bi fwel¨r g~j¨ †ei Ki|
(N) wewb‡hv‡Mi Rb¨ Rbve nvmv‡bi †Kvb c_wU †e‡Q †bqv DwPZ e‡j g‡b Ki - hyw³
†`LvI|
2. Rbve gymv nvq`vi 5 eQi ci Zvi †Q‡ji Rb¥ w`‡b 50,000 UvKv g~‡j¨i GKwU j¨vcUc
w`‡Z Pvb| 5 eQi c‡i 50,000 UvKv cvIqv hv‡e GB Avkvq wZwb wKQz UvKv e¨vs‡K
Rwg‡q ivL‡Z Pvb| ÔGw·‡j›UÕ e¨vsK Zv‡K evwl©K 10% nv‡i my` cÖ`v‡bi cÖ¯Íve
w`‡q‡Q| ÔhgybvÕ e¨vsK Avevi 9.9% nv‡i gvwmK Pµe„w×i cÖ¯Íve w`‡q‡Q| (cvV-
3.2.1)
(K) eZ©gv‡b Aí UvKv fwel¨‡Zi †ewk UvKv g~j¨ enb K‡i - GwU wK‡mi aviYv|
(L) Pµe„w× c×wZ‡Z my‡`i IciI my` cvIqv hvq- MvwYwZK cÖgvY †`LvI|
(M) Rbve gymv nvq`v‡ii †Kvb cÖ¯Íve MÖnY Kiv DwPZ? e¨vL¨v Ki|
(N) gymvi wm×v‡šÍi Av‡jv‡K evwl©K Pµe„w× I gvwmK Pµe„w×i g‡a¨ cv_©K¨ Ki|
3. Rvgvj GKwU Kw¤úDUvi µ‡qi Rb¨ Zvi gvgvi KvQ †_‡K 45,000 UvKv †cj| mvgv`
Kw¤úDUvi GLb µq bv K‡i 3 eQi ci µq Kivi wPšÍv fvebv Ki‡Q| ZvB cÖvß A_© mvgv`
†mvbvjx e¨vs‡K 11% nvi my‡` Rgv K‡i iv‡L| (cvV-3.2.1)
(K) eZ©gvb g~j¨ †ei Kivi m~ÎwU wjL|
(L) Pµe„w×KiY cÏwZwU e¨vL¨v Ki|
 (M) mvgv` D³ A_© hw` 2 eQi ci †cZ Zvn‡j IB A‡_©i eZ©gvb g~j¨ KZ n‡Zv?
(N) mvgv` Zvi A_© 3 eQ‡ii Rb¨ GLb Rgv ivL‡j Gi fwel¨r g~j¨ KZ n‡e?
4. Rbve Av‡bvqvi Zvi mÂxqx wnmv‡e 12,000 UvKv 2 eQ‡ii Rb¨ Rgv ivL‡jb| e¨vsK Zv‡K
kZKiv 10 UvKv nv‡i my` cÖ`vb K‡i _v‡K| Zvi eÜz Rvgvj Zv‡K ejj ÔmeyR e¨vsKÕ
gvwmK 9.5% nv‡i my` cÖ`vb K‡i _v‡K| Zzwg meyR e¨vs‡K †Zvgvi A_© Rgv ivL‡Z
cvi|
(K) e¨emv‡qi cÖwZwU wm×v‡šÍi mv‡_ A‡_©i Kx RwoZ _v‡K?
(L) Kvievwi cÖwZôvb †`Dwjqv nIqvi KviY e¨vL¨v Ki|
(M) e¨vsK 10% nv‡i my` w`‡j 2 eQi ci Av‡bvqv‡ii A‡_©i cwigvY KZ n‡e?
(N) Av‡bvqv‡ii eÜzi cÖmÍvewU MÖnY‡hvM¨ wKbv †Zvgvi mywPwšÍZ gZvgZ `vI|
5. Rvgvj 4 eQi ci 40,000 UvKv †c‡Z Pvq| AMÖYx e¨vsK Zv‡K 12% nv‡i cÖ¯Íve w`‡q‡Q|
Rvgv‡ji eÜz mygb gvwë cvicv‡mi e¨emvq K‡i| †m Rvgvj‡K gvwmK 11.5% nv‡i UvKv
Rgv ivLvi cÖ¯Íve K‡i| (cvV-3.2.4)
(K) †fv³v FY Kx?
(L) eQ‡i GKvwaKevi Pµe„w×Ki‡Yi gva¨‡g fwel¨r g~j¨ wbav©i‡Yi c×wZwU e¨vL¨v Ki|
(M) 40,000 UvKv †c‡Z PvB‡j Rvgvj‡K eZ©gv‡b KZ UvKv Rgv ivL‡Z n‡e|
(N) Rvgv‡ji eÜz myg‡bi cÖ¯ÍvewU MÖnY‡hvM¨ wKbv- †Zvgvi gZvgZ Zz‡j ai|
6. AvjvgZ wgqv G eQi Zvi †ÿ‡Z ZigyR Pvl Ki‡Z Pvq| wZwb gnvRb †_‡K mvßvwnK 1%
nv‡i Pµe„w× my‡` FY MÖnY Ki‡jb| gnvRb Zv‡K ejj G‡Z evwl©K my` n‡e 52%| (cvV-
3.3)
(K) cªK…Z my` Kx?
(L) cÖK…Z my‡`i m~ÎwU wjL I e¨vL¨v Ki|
(M) AvjvgZ wgqvi F‡Yi cÖK…Z my` KZ †ei Ki|
(N) Pµe„w× hZ †ewk n‡e cÖK…Z my‡`i nvi ZZ †ewk n‡e - MvwYwZK cÖgvY †`LvI
Ges Gi KviY we‡kølY Ki|
7. gwR` †ecvixi GKwU gyw` †`vKvb Av‡Q| †`vKv‡bi AvaywbKvq‡bi Rb¨ Zuvi wKQz
miÄvgvw` `iKvi| wZwb 15% my‡`i nv‡i 12 eQi cwi‡kva¨ 5,00,000 FY wb‡jb| (cvV-
3.4)
(K) iæj Ô72Õ- weavbwU Kx?
(L) F‡Yi UvKv cwi‡kv‡a e¨_© n‡j KvieviwUi Kx nq?
(M) gwR` †ecvixi evwl©K wKw¯Í I gvwmK wKw¯Í KZ ?
(N) `yB wKw¯Í‡Z cÖK…Z my‡`i nv‡ii Zzjbvg~jK we‡kølY Ki|
8. Rwmg mv‡ne miKvwi Kg©KZ©v | wZwb GKwU Mvwo µq Ki‡Z B”QzK| iæcvjx e¨vsK
10% nv‡i 20,000 UvKv K‡i AvMvgx 10 eQ‡i cwi‡kv‡ai cÖ¯Íve K‡i| wKš‘ ¯’vbxq gnvRb
Zv‡K gvwmK 9.5 nv‡i wKw¯Í 2,000 UvKv K‡i cwi‡kv‡ai cÖ¯Íve K‡i| (cvV-3.4.1)
(K) EAR Kx?
 (L) †fv³v F‡Yi A_© Kxfv‡e cwi‡kva Kiv nq?
(M) Rwmg mv‡n‡ei F‡Yi cwigvY KZ? Zv wbY©q Ki|
(N) gnvR‡bi cÖ¯ÍveK…Z k‡Z©i evwl©K cÖK…Z my‡`i nvi KZ?
9. wg. nvwj‡gi eqm 40 eQi| wZwb Aemi Rxe‡b m”QjZvi Rb¨ GLb †_‡K e¨vs‡K mÂq Ki‡Z
Pvb| Zvi eÜz Zv‡K gybvdvq M½v e¨vs‡K cÖwZeQi †k‡l 5,000 UvKv ivLvi civgk© †`b|
(cvV-3.4.4)
(K) mij my` Kx?
(L) wewfbœ Dr‡mi mv‡_ Zzjbv K‡i me‡P‡q MÖnY‡hvM¨ Drm †_‡K A_©vqb Kiv DwPZ
- e¨vL¨v Ki|
(M) wg. nvwj‡gi 65 eQi eq‡m A‡_©i fwel¨r g~j¨ KZ n‡e?
(N) wg. nvwj‡gi wewb‡qvM wm×v‡šÍi Av‡jv‡K cÖgvY Ki †h, mij my‡`i †P‡q Pµe„w×
my` †ewk nq|

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