Aa¨vq t 4  SzuwK I AwbðqZv

Ávbg~jK cÖ‡kœvËi:
cÖkœ-1. SzwKu Kv‡K e‡j?
DËi: cÖK…Z djvdj cÖZ¨vwkZ djvdj †_‡K wfbœ nIqvi m¤¢vebv‡KB SzwKu
e‡j|
cÖkœ-2. Av`k© wePy¨wZ Kx?
DËi: Av`k© wePy¨wZ SzuwK cwigv‡ci GKwU cwimsL¨vwbK c×wZ|
cÖkœ-3. cÖZ¨vkv I cÖvwßi wePy¨wZi bvg Kx?
DËi: cÖZ¨vkv I cÖvwßi wePy¨wZi bvg SzuwK|
cÖkœ-4. cwigvc‡hvM¨ AwbðqZvi bvg Kx?
DËi: cwigvc‡hvM¨ AwbðqZvi bvg SyuwK|
cÖkœ-5. evRvi SzwKu Kx?
DËi: A_©‰bwZK Ae¯’vi cwieZ©b, ivR‰bwZK Aw¯’iZv, miKvwi bxwZi
cwieZ©b BZ¨vw` Kvi‡Y †Kv¤úvwb ev cÖwZôv‡b ‡h
SzuwKi m„wó nq Zv‡K evRvi SywKu e‡j|
cÖkœ-6. weï× SyuwK Kx?
DËi: cÖvK…wZK I gvbweK AwbðqZv †_‡K †h SzwuKi m„wó nq Zv‡K weï×
SzuwK e‡j|
cÖkœ-7. AwbðqZv Kx?
DËi: fwel¨‡Z †Kv‡bv GKwU NUbv NUv ev bv NUvi m¤¢vebv‡K hLb
MvwYwZKfv‡e wbY©q Kiv hvq bv ZLb Zv‡K
AwbðqZv e‡j|
cÖkœ-8. dUK SzuwK Kx?
DËi: †hme SzuwKi †ÿ‡Î Avvw_©K ÿwZ Z_v `yN©Ubv, AwbðqZv Ges
SyuwKi g‡a¨ jvf-‡jvKmvb Df‡qi m¤¢vebv _v‡K
Zv‡K AwbðqZv e‡j|
cÖkœ-9. Avw_©K SuywK Kx?
DËi: `vq cwi‡kv‡ai AÿgZv †_‡K ‡h SyuwKi m„wó nq Zv‡K Avw_©K Szw©uK
e‡j|
cÖkœ-10. SuywK eûj Avq Kx?
DËi: †hme Av‡qi mv‡_ SzuwK RwoZ †mme Avq‡K SuywKeûj Avq ejv nq|

Abyavebg~jK cÖkœ DËi:

cÖkœ-1. KLb Zvij¨ SzwKui m„wó nq? e¨vL¨v K‡iv|
DËi: b¨vh¨g~‡j¨ wewb‡qvM weµq Ki‡Z bv cvivi SzuwK‡K Zvij¨ SuywK ejv
nq|
wewb‡qvMKvix †kqvi, eÛ ev wW‡eÂv‡i wewb‡qv‡Mi ci bM` A‡_©i
cÖ‡qvRb Abyfe Ki‡Z cv‡ib| wKš‘ †Kv‡bv Kvi‡Y
hw` wewb‡qvMKvix mn‡R Ges Dchy³ g~‡j¨ G wewb‡qvM weµq Ki‡Z bv
cv‡i ZLb Zvij¨ SzuwKi m„wó nq|
cÖkœ-2. SzuwKi e¨e¯’vcbv ej‡Z Kx ‡evSvq? e¨vL¨v K‡iv|
DËi: SzuwK n‡jv cÖZ¨vkv I cÖvwßi e¨eavb|
SzuwKi Kvi‡b A‡bK mgq cÖwZôv‡bi Kvw•LZ djvdj AwR©Z nq bv| ZvB
e¨emvq cÖwZôvb‡K SzuwK e¨e¯’vcbv Ki‡Z nq|
SzwuK n«v‡mi gva¨‡g cÖwZôv‡bi mdjZv wbwðZKi‡Y ‡h mKj †KŠkj MÖnY
Kiv nq Zv‡K SzwuK e¨e¯’vcbv e‡j| SzuwK
e¨e¯’vcbv cwiwgZ SzuwK wbwðZ K‡i|
cÖkœ-3. c‡Y¨i evRvi Pvwn`v Avek¨K †KY?
DËi: e¨emvq cÖwZôv‡bi gybvdv AR©b wbf©i K‡i c‡b¨i evRvi Pvwn`vi Ici|
evRv‡i c‡Y¨i Pvwn`v m„wó bv Ki‡Z cvi‡j Drcv`‡bi PvKv mPj _vK‡e bv| d‡j
cÖwZóvb †`Dwjqv n‡q hv‡e| GRb¨
cÖwZôv‡bi `vq n«v‡mi Rb¨ Ges weµq e„w×i D‡Ï¨‡k¨ c‡Y¨i evRvi Pvwn`v
Avek¨K|
cÖkœ-4. SzuwKgy³ Avq ej‡Z Kx ‡evSvq? e¨vL¨v K‡iv?
DËi: †h cÖK…Z Avq memgq cÖZ¨vwkZ Av‡qi mgvb nq Zv‡K SyuwK gy³
Avq e‡j|
‡Kv‡bv †`‡ki miKvi KZ„©K Bmy¨K…Z †UªRvwi wej I ‡UªRvwi eÛ †_‡K cÖvß
Avq SzuwKgy³ Avq wn‡m‡e Mb¨ nq| Gme
SuywKgy³ wewb‡qvM †_‡K cÖvß Avq wbw`©ó Zv‡K A_©vr wbw`©ó nv‡I
Avq †`qv nq e‡j, cÖvß Avq‡K SzuwKgy³ Avq
wn‡m‡e MY¨ Kiv nq|
cÖkœ-5. e‡Û wewb‡qvMKvix‡`i †Kvb SzwuK †gvKv‡ejv Ki‡Z nq? e¨vL¨v
K‡iv|
DËi: e‡Û wewb‡qvMKvix‡`i my` nv‡ii SuywK †gvKv‡ejv Ki‡Z nq|
my‡`i nvi evo‡j e‡Ûi evRvig~j¨ K‡g Avevi my‡`i nvi Kg‡j evRivg~j¨ ev‡o|
my‡`i nv‡ii cwieZ©‡bi Kvi‡Y
wewb‡qv‡Mi g~j¨ Kgvi Avk¼v‡KB my` nv‡ii SzuwK ejv nq|

Ávb (K) I Abyavebg~jK (L) cÖkœ

1. e¨emvq A_©vq‡b SzuwK Kx?

2. Av‡qi DÌvb-cZb aviYvwU Kvi mv‡_ RwoZ?
3. e¨emvq SzuwKi m„wó nq Kxfv‡e?
4. Kviv my‡`i nv‡ii SzuwK †gvKv‡ejv K‡i?
5. my‡`i nv‡ii SzuwK Kx?
6. SzuwK eûj Avq Kx?
7. SzuwK cwigvY Kiv hvq Kxfv‡e?
8. e¨emvq cÖwZôvb mdjfv‡e cwiPvjbvi Rb¨ Kx cÖ‡qvRb?
9. Av`k© wePz¨wZi m~ÎwU wjL|
10. wm×všÍ MÖnY bxwZi Av‡jvP¨ welq Kx?
11. AZxZ AwR©Z Avq †_‡K Kx cwigvY Kiv nq?

m„Rbkxj cÖ‡kœvËi t 01

ivqbv nK d¨vkb wWRvBb Bbw÷wUDU †_‡K cÖwk¶Y †k‡l A‡bK wPšÍvfvebvi ci ÔAvnevb
μvqvUÕ bv‡g GKwU cÖwZôvb M‡o †Zv‡jb| GwU XvKv I Kzwgjøv kn‡i Aew¯’Z| Zvi evÜex
†ivgvbv †U·UvBj Bbw÷wUDU †_‡K cvm K‡i gwbcyix ZuvZ e‡¯¿i wewfbœ †cvkvK
mvgMÖxi e¨emv ïiæ K‡i wm‡j‡Ui wewfbœ A‡j| Zv‡`i K‡qK eQ‡ii e¨emv‡qi wPÎ wb‡gœ
†`qv n‡jv|
(K) AZx‡Z AwR©Z Av‡qi wePz¨wZ †_‡K Kx cwigvc Kiv nq?
(L) e¨emv †¶‡Î cÖZ¨vwkZ d‡ji PvB‡Z cÖK…Z dj Kg nevi KviYwU e¨vL¨v Ki|
(M) †ivgvbvi e¨emvq Kg mvdj¨ nevi KviY eY©bv Ki|
(N) ivqbv I †ivgvbvi e¨emvwqK wPÎwUi Zzjbvg~jK we‡kølY Ki|

DËi t (K)

AZx‡Z AwR©Z Av‡qi wePz¨wZ †_‡K Kx cwigvY Kiv nq?

DËi t (L)

e¨emv †ÿ‡Î cÖZ¨vwkZ d‡ji †P‡q cÖK…Z dj Kg nIqvi A‡bK KviY i‡q‡Q| †hgbÑ
 µqK…Z KvPvugv‡ji g~j¨ h_vmg‡q I h_vh_fv‡e cwi‡kva Ki‡Z bv cvi‡j KvuPvgv‡ji
mieivn eÜ n‡q †h‡Z cv‡i|
 kÖwgK‡`i †eZb h_vh_fv‡e cwi‡kva bv Ki‡j kÖwgK Am‡šÍvl m„wó n‡q ‡h‡Z cv‡i|
 wewfbœ cÖKvi Awdm I cwiPvjbv e¨‡qi e¨e¯’vcbvq A`ÿZvi d‡j e¨emvwqK SuywK n‡Z
cv‡i|
 ZvQvov wewfbœ cÖKvi Avw_©K SzuwKi weµqg~j¨ cwieZ©b, weµq cwigvY
cwieZ©b, Drcv`b g~j¨ cwieZ©b, AwZwi³ ¯’vqx Li‡Pi cÖeYZv BZ¨vw` Kvi‡Y
cÖZ¨vwkZ d‡ji †P‡q cÖK…Z d‡ji †P‡q cªK…Z dj Kg nq|
g~jK_v, e¨emvq †ÿ‡Î cÖZ¨vwkZ d‡ji †P‡q cÖK…Z dj Kg nevi wewfbœ KviY i‡q‡Q|

DËi t (M)

‡ivgvbvi e¨emvq mdj Kg nIqvi A‡bK¸‡jv KviY _vK‡Z cv‡i | †hgbÑ

 ‡ivgvbvi e¨emvq cwiKíbv cÖYq‡bi mgq fwel¨r m¤¢ve¨ NUbvmg~‡ni wePvi -we‡kølY
ÎæwU _vK‡Z cv‡i|
 eZ©gv‡b ZvuZe‡¯¿i Pvwn`v Ab¨vb¨ e‡¯¿i Zzjbvq µgk K‡g hvIqvq †ivgvbvi e¨emv‡qi
mvd‡j¨i nvi Kg n‡Z cv‡i|
 XvKv I Kzwgjøvi Zzjbvq wm‡j‡U e¨emvq evwY‡R¨i DbœwZi Mo nvi Kg nIqvq †ivgvbvi
e¨emvq mvd‡j¨i nvi Kg n‡Z cv‡i|
 evRv‡ii cÖK…Z Pvwn`v †ivgvbv KZ©„K Aby‡gq Pvwn`v n‡Z Kg n‡q _vK‡j †ivgvbvi
e¨emv mvd‡j¨i nvi Kg n‡e|
ZvB ejv hvq †ivgvbvi e¨emv Kg mdj nIqvi KviY¸‡jvi g‡a¨ D‡jøL‡hvM¨ n‡jv cwiKíbvi Afve,
Pvwn`vi míZv, Ae¯’vbMZ Amyweav|
DËi t (N)

ivqbv I †ivgvbvi e¨emvwqK wPÎwUi Zzjbvg~jK we‡kølY Kiv n‡jvt

 ¯Í¤¢ wP‡Îi gva¨‡g Avgiv eyS‡Z cvwi ivqbvi e¨emvq gybvdvi nvi µgvš^‡q evo‡Q|
Ab¨w`‡K †ivgvbvi e¨emvq gybvdvi nvi IVvbvgv K‡i|
 ivqbvi e¨emv XvKv I Kzwgjøvq Ab¨w`‡K †ivgvbvi e¨emv wm‡j‡Ui wewfbœ A‡j| XvKv
I Kzwgjøvi †hvMv‡hvM e¨e¯’v fv‡jv| A_© I F‡Yi myweav fv‡jv, RbmsL¨v †ewk nIqvq
†h‡Kv‡bv c‡b¨iB Pvwn`v †ewk| ZvB †ivgvbvi Zzjbvq ivqbvi e¨emvwqK mvdj¨ †ewk|
ivqbvi Mo gybvdv AR©b ÿgZv (wP‡Îi mvnv‡h¨) t
=  100
= ()%
= 5.75%
‡ivgvbvi Mo gybvdv AR©b ÿgZv (wP‡Îi mvnv‡h¨) t
=  100
= ()%
=%
= 4.5%
ivqbvi Zzjbvq †ivgvbvi e¨evmvwqK cY¨ gwYcyix ZvuZe‡¯¿ GKwU mxwgZ Pvwn`vi cb¨|
ZvB ivqbvi e¨emv †ewk mdj|
Zzjbvg~jK we‡kølY K‡i †evSv †Mj ivqbvi e¨emv‡qi Zzjbvg~jK mvdj¨ †ewk|

m„Rbkxj cÖ‡kœvËi t 02

wewb‡qvMKvixi bvgÑ Rbve kwdKzi ingvb

wewb‡qvM Kiv cÖwZôv‡bi bvg : K) SY©v †Kv¤úvwb wjwg‡UW
L) AvRv` †Kv¤úvwb wjwg‡UW
(K) fwel¨‡Zi m¤¢ve¨ NUbvmg~n wePvi we‡kølY K‡i †mB Abyhvwq e¨e¯’v MÖnY Ki‡j
†Kvb ai‡bi ¶wZ †_‡K euvPv hvq?
(L) e‡Û wewb‡qvMKvix‡`i †Kvb SuywK †gvKv‡ejv Ki‡Z nq? e¨vL¨v Ki|
(M) Rbve kwdKzi ingv‡bi AvRv` †Kv¤úvwb‡Z wewb‡qvM Kxiƒc e¨vL¨v Ki|
(N) SY©v †Kv¤úvwbi Avq‡K wbqwgZ Kivi Rb¨ †Kvb c`‡¶c †bIqv hyw³m½Z n‡e? we‡kølY
Ki|

DËi t (K)

fwel¨‡Zi m¤¢ve¨ NUbvmg~n wePvi-we‡kølY K‡i †mB Abyhvqx e¨e¯’v MÖnY Ki‡j
AcÖZ¨vwkZ ÿwZ †_‡K evuPv hvq|

DËi t (L)

wewb‡qvMKvixi A_© †kqvi eÛ ev wW‡eÂvi BZ¨vw`‡Z wewb‡qv‡Mi ci †h‡Kv‡bv mgq

Gme wewb‡qvM bM`vq‡bi cÖ‡qvRb nq| †Kv‡bv Kvi‡Y hw` wewb‡qvMKvix mn‡R Ges
hyw³msMZ g~j¨ weµq Ki‡Z bv cv‡i ZLb Zvij¨ SzuwKi m„wó nq| †hme wewb‡qvMKvix
eÛ, wW‡eÂvi BZ¨vw` µq K‡i, Zv‡`i‡K my` nv‡ii SzuwK †gvKvwejv Ki‡Z nq| e‡Û
wewb‡qvMKvix‡`i Zvij¨ SzuwK †gvKvwejv Ki‡Z nq| Avgv‡`i gva¨wgK g~jawb evRv‡i hZ
mn‡R †kqv‡ii †µZv cvIqv hvq, ZZ mn‡R eÛ wW‡eÂv‡ii †µZv cvIqv hvq bv| ZvB †m †ÿ‡Î
wewb‡qvM‡K bM`vqb Kiv mgqmva¨ I e¨vqeûj n‡q D‡V|
g~jK_vt e‡Û wewb‡qvMKvix‡`i Zvij¨ I my‡`i nv‡ii SzuwK †gvKvwejv Ki‡Z nq|

DËi t (M)
Rbve kwdKzi ingv‡bi AvRv` †Kv¤úvwb‡Z wewb‡qvM jvfRbK wKbv Zv eySvi Rb¨ AvRv`
†Kv¤úvwb †_‡K cÖvß Av‡qi Av`k© wePy¨wZ †ei Kiv n‡jvt
eQi Avq % Mo †_‡K e¨eavb e¨eav‡bi
(Avq-e¨q) eM©
200 2 (2-8) = -6 36
8
200 4 (4-8) = -4 16
9
201 7 (7-8) = -1 1
0
201 12 (12-8) = 4 16
1
 201 15 (15-8) = 7 49
1
‡hv 40% e¨eavbt e‡M©i 118
†hvM=
Mdj
Mo 40/5/ e¨eavbt eM© Mo = 118/4=2
=8%
9.5

Av`k© wePz¨wZ = = 5.4%

hw`I Mo Avq gvÎ 8% Z_vwc Av`k© wePz¨wZ ev SuywK gvÎ 5.4% nIqvq G †Kv¤úvwb‡Z
Zvi wewb‡qvM jvfRbK, hw` †m Kg SzuwK MÖn‡Yi c‡ÿ nq|

DËi t (N)

wP‡Îi mvnv‡h¨ †evSv hvq SY©v †Kv¤úvwbi Avq IVv-bvgv K‡i I AwbqwgZ|
SY©v †Kv¤úvwbi Drcv`b, weµ‡qi cwigvY I weµqg~j¨ cÖwZeQi GKB| ZviciI SY©v
†Kv¤úvwbi Avq AwbqwgZ| Gi cÖavb KviY SY©v †Kv¤úvwbi eQi e¨‡qi IVvbvgv Kivi
cÖeYZv| ZvB SY©v †Kv¤úvwbi Avq‡K wbqwgZ Kivi Rb¨ SY©v †Kv¤úvwbi e¨q‡K
w¯’wZkxj ivL‡Z n‡e| Avi e¨q‡K w¯’wZkxj ivL‡Z n‡j ‡h c`‡ÿc wb‡Z n‡e Zv n‡jv t
 KvuPvgvj µq `ÿZv e„w× Ki‡Z n‡e|
 KvuPvgv‡ji AcPq eÜ ei‡Z n‡e|
 kÖwgK‡`i ‡eZb I gRywi w¯’wZkxj I wbqš¿Y Ki‡Z n‡e|
 kÖwgK‡`i Kv‡Ri Abycv‡Z gRywi w`‡Z n‡e|
 Awdm fvov w¯’wZkxj ivLvi †Póv Ki‡Z n‡e|
 gybvdv n‡Z FY cwi‡kva Kiv hv‡e bv| FY cwi‡kv‡ai Rb¨ Znwej MVb Ki‡Z n‡e|
A_©vr, SY©v †Kv¤úvwbi Avq‡K wbqwgZ Kivi Rb¨ DcwiD³ c`‡ÿc¸‡jv †bqv †h‡Z cv‡i|

cÖ¨vKwUm Askt- m„Rbkxj iPbvg~jK cÖkœt

1. Rbve Kwei bZzb e¨emvq ¯’vcb K‡i‡Qb| e¨emvq m¤ú‡K© Zvi AwfÁZv k~b¨| Zvi eÜz
Rbve Lwei Zv‡K wewfbœ cÖKvi SzuwKi e¨vcv‡i mZ©K n‡Z ej‡jb| KviY SzuwKi e¨vcv‡i
mg¨K aviYv bv _vK‡j ÿwZi m¤§yLxb n‡Z nq| (cvV-4.3)
(K) e¨emvq cÖwZôv‡bi `„wó‡KvY †_‡K SzuwK Kq cÖKvi|
(L) e¨emvwqK SzuwK I Avw_©K SyuwKi g‡a¨ cv_©K¨ Kx?
(M) Rbve Kwei Kx Kx SzuwKi m¤§yLxb n‡Z cv‡ib e‡j Zzwg g‡b Ki?
(N) cwi‡e‡ki wKQz wKQz Dcv`vb Kwei mv‡nemn me wewb‡qvMKvixi SzuwK Kgv‡Z
cv‡i-Dw³wU g~j¨vqb Ki|
2. Rbve nvmvb Zvi Rgv‡bv 10,000 UvKv GKwU †Kv¤úvwbi mvaviY †kqv‡i wewb‡qvM
Ki‡Z Pvb| wKš‘ Zvi eÜz civgk© w`j wW‡eÂv‡i wewb‡qvM Ki‡Z| wZwb eÜzi civgk©
†gvZv‡eK wW‡eÂv‡i wewb‡qvM K‡ib| (cvV-4.3)
(K) wK‡mi Kvi‡Y e¨emvq cÖwZôvb Zvi Kvw•LZ djvdj bv cvIqvi m¤¢vebv †`Lv †`q?
(L) Av`k© wePz¨wZ ej‡Z Kx eySvq? e¨vL¨v Ki|
(M) Rbve nvmvb Kx Kx SzuwKi m¤§yLxb n‡Z cv‡ib e‡j Zzwg g‡b Ki|
(N) Rbve nvmvb hw` †kqv‡i wewb‡qvM Ki‡Zb Z‡e Zvi SuywK g~j¨vqb Ki|
3. Rbve KvImvi 2009 mvj b`xi Zx‡i GKwU KviLvbv ¯’vcb Ki‡jb| GKwU ¯’vc‡b wZwb
b`xc‡_ KvuPvgvj Avbq‡bi K_v we‡ePbv K‡i‡Qb| wKš‘ `y‡hv©McÖeY GjvKv nIqvq
2011 mv‡j R‡jv”Q¡v‡m b`xfv½‡bi d‡j KviLvbvwU b`x‡Z wejxb n‡q hvq| G‡Z Rbve
KvImv‡ii wecyj UvKvi ÿwZ nq| (cvV-4.4)
(K) Avw_©K SuywK †Kv_v n‡Z m„wó nq?
(L) †Kv¤úvwbi FY g~jab †ewk n‡j Avw_©K SuywK †ewk nq †Kb? e¨vL¨v Ki|
(M) Rbve KvImv‡ii SzuwK †Kvb ai‡bi SzuwK? e¨vL¨v Ki
(N) Zzwg wK g‡b Ki Rbve KvImv‡ii `~i`wk©Zvi Afve Av‡Q? g~j¨vqb Ki|
4. iwb I Rwb `yB eÜz| iwb miKvwi †UªRvwi we‡j 10,000 UvKv wewb‡qvM Kij| Gi Ici
wbwðZfv‡e iwb 1,000 UvKv K‡i cÖwZeQi my` cv‡e| Aciw`‡K Rwb GKwU †Kv¤úvwbi
mvaviY †kqv‡i 10,000 UvKv wewb‡qvM K‡i| RwbI wbwðZfv‡e 1,000 UvKv K‡i Avq
cÖZ¨vkv K‡i| wKš‘ Zvi cÖ_g 3 eQ‡i Avq gvb h_vµ‡g 900 UvKv, 1,200 UvKv I 700
UvKv| (cvV-4.5)
(K) mvaviYZ Av`k© wePz¨wZi †Kvb gvb †ewk SzuwK wb‡`©k K‡i?
(L) e¨emvwqK wm×všÍ MÖnY SzuwKi Zvrch© e¨vL¨v Ki|
(M) iwb I Rwbi wewb‡qv‡Mi Av‡jv‡K Syuw³hy³ wewb‡qv‡Mi g‡a¨ cv_©K¨ Ki|
(N) iwb I Rwbi wewb‡qv‡Mi SzuwK g~j¨vqb Ki|

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