sahakari Niyamawali

1
xsf/L Pg _at_)
2
) lgbzs l4fGtx
fjhlgs, lghL / xsf/L Ifqsf xeflutf tyf
ljsf dfkmt pknAw fwg / ftsf clwstd
kl/rfngåf/f tLj cflys jl4 xfln ub lbuf
cflys ljsf ug tyf kfKt pknlAwxsf Gofoflrt
ljt/0f u/L cflys cdfgtfsf cGTo ub
zfif0f/lxt dfhsf lgdf0f ug /fli6o
cytGqnfO cfTdlge/, jtGq tyf pGgltzLn agfpFb
dfhjfb pGd'v jtGq / d4 cytGqsf ljsf ug
/fHosf cflys p2Zo x'g5 .
3
! /fHosf gLltx?
-3_ cy, pBfu / jfl0fHo DaGwL gLlt M
/fHon bxfosf gLltx cjnDag ug5 M -!_
fjhlgs, lghL / xsf/L Ifqsf xeflutf / jtGq
ljsf dfkmt /fli6o cytGq 'b9 ug, -_xsf/L
IfqnfO kjwg ub /fli6o ljsfdf cTolws
kl/rfng ug,
4
cg''rL M , 3 / kbzsf femf clwsf/ "rL
s/f/, xsf/L, fembf/L / PhGL DaGwL
cg''rL M , yfgLo txsf clwsf/sf "rL _at_
xsf/L yf
cg''rL M (, 3, kbz / yfgLo txsf clwsf/sf
femf "rL ! xsf/L
5
ljBdfg cjyf

• _at_)! fn rq _at_) ut klxnf xsf/L yf u7g eO
  ljlwjt 9un xsf/Lsf ljsf gkfndf kf/De .
• xsf/L Pg _at_) kZrft dfq cGt/fli6o d"No /
  dfGotfx?sf cfwf/df x/s d'bfosf JolQmx?nfO
  xsf/Ldf c6fpg jf lelqg Sg jftfj/0fsf lgdf0f
  .
• xsf/L Pg _at_) n xsf/Lsf u'0ffTds ljsf /
  '/IffTds pkfox?sf uf/6f sf/sf 5 .

6
qmdz M

• _at_ jifdf xhf/ xsf/L yfx? yflkt,
• sl/a !,))) jrt tyf C0f xsf/L yfx?,
• sl/a ,)) eGbf al9 cGo p2Zosf xsf/L yfsf
  d'Vo sf/faf/ art tyf C0f,
• p2Zo ljkl/tsf ljQLo sf/faf/n bosf artdf
  c'/Iff qmlds?kdf jl4 .

7
qmdz M

• /fli6o cytGqdf xsf/Lsf ofubfg sl/a Ü,
• ljQLo Ifqdf xsf/Lsf ofubfg _at_!Ü,
• ),), eGbf al9 box? cfj4,
• , xhf/ eGbf al9 kToIf /fhuf/Lsf hgf,
• _at_,_at__at_ eGbf al9 jod\js kl/rfng,
• xsf/L dfkmt ca eGbf al9sf ljQLo sf/faf/,

8
gkfndf xsf/Lsf VofTds ljsfqmd
cfj xsf/L yf x?sf Vof jl4 Vof jl4 b/
2063F064 9720 1190 13.95
2064F065 11302 1582 16.28
2065F066 15813 4511 39.91
2066F067 20102 4289 27.12
2067F068 23301 3199 15.91
2068F069 26500 3199 13.73
2069F070 29526 3026 11.42
2070F071 31177 1651 5.59
2071F072 32663 1486 4.77
2072F073 33599 936 2.87
9
gkfndf xsf/Lsf VofTds ljsf
10
ljifout xsf/Lsf cjyf
11
xsf/Ldf cfj4tfsf cjyf
12
xsf/Lx?sf ljQLo sf/faf/sf cjyf -?xhf/df_
ca
13
gkms"gsf kof / cjyf
14
fsfdqL Pgsf nflu 3sf kofx? M

• lj _at_) df gd'gf sfg'g lgdf0f DaGwdf
  /fsf/jfnf lgsfo Fu 5nkmn,
• _at_) df gd'gf fsf Pg lgdf0f,
• _at_) df IfqLo Pj lhNnf t/df 'emfj sng,
• _at_) df dGqfnodf gd'gf fsf Pg kt't,
• _at_)! df /fli6o t/df gd'gf Pgsf 5nkmn,
• _at_)_at_ bfgtf k6s dofbf kt't,
• /fHoaf6 tof/ kf/sf gofF Pgsf dofbfdf lg/Gt/
  ki7kfif0f / k/jL

15
xsf/L Pg,_at_)
_at_) cfh ut baf6 kfl/t eO sflts ! ut
DdfggLo /fi6klt ljBfbjL e08f/LHo"af6
kdf0fLs/0f .

• xsf/L Pg, _at_) df
• _at_) kl/R5b
• !_at_ bkmfx?

16
ktfjgf

• xsf/L d"No, dfGotf / l4fGt cg'?k bzsf sifs,
  sflnu9, gtlds, Go"g cfo d"x Pj LdfGtst d'bfo
  jf jfwf/0f pkefQmf dfem 5l/P/ /xsf k"FhL,
  kljlw tyf kltefnfO jfjnDag / kf/kl/stfsf
  cfwf/df PsLst ub box?sf cflys, fdflhs tyf
  fFslts pGgog ug, d'bfodf cfwfl/t, bo
  slGbt, nfstflGqs, jfoQ / jzflt u7gsf
  ?kdf xsf/L dfWodaf6 cfTdlge/, lbuf Pj dfhjfb
  pGd"v /fli6o cytGqsf ljsf ug xsf/L DaGwL
  krlnt sfg"gnfO zfwg / PsLs/0f u/L dofg's"n
  agfpg jf5gLo ePsfn,

17
xsf/L yf btf DaGwL Jojyf

• ljifout / jx'p2zLosf xsdf ) hgf,
• dxfgu/kflnsf / pkdxfgu/kflnsfdf jrt tyf C0f
  xsf/L yfsf xsdf !)) -Ps o_ hgf,
• gtlds, o'jf nufotn cfkm\gf gtd / Lkdf cfwfl/t
  eO Jojfo ug yfsf xsdf ! hgf,
• tflsPsf sfoIfqdf jfjf u/sf Ps kl/jf/ Ps
  bo,
• kzfsdLx?sf xsdf ª\ul7t yfdf sfo/t slDtdf
  !)) hgf sdrf/L -o hgf eGbf sd sdrf/L ePsf
  yfsf xsdf slDtdf tL hgf_, Pp6 yfsf,
• u7g eP kZrft Ps kl/jf/sf PseGbf al9 bo x'gSg

18
3x?sf u7g

• slDtdf !! j6f ljifout yf ldnL ljifout lhNnf
  3 u7g ug Sg -s jusf b'ud lhNnfsf xsdf
  slDtdf j6f_
• slDtdf ! j6f yf jf lhNnf ljifout 3 ldnL
  lhNnf xsf/L 3 u7g ug Sg -s jusf b'ud
  lhNnfsf xsdf slDtdf j6f_
• lhNnf xsf/L 3 u7g ubf slDtdf ) kltzt
  ljifout lhNnf xsf/L 3 xeflu x'g'kg .

19
3x?sf u7g

• slDtdf j6f lhNnfsf _at_ j6f ljifout xsf/L yf
  jf ljifout lhNnf 3x? ldnL kbz ljifout xsf/L
  3 u7g ug Sg
• kbz ljifout 3 u7g ubf kbz e/L btf ePsf
  slDtdf ) kltzt ljifout lhNnf 3 xeflu
  x'g'kg .
• slDtdf j6f lhNnfsf ! j6f xsf/L yf jf
  ljifout lhNnf 3, lhNnf jf kbz ljifout 3
  ldnL kbz xsf/L 3 u7g ug Sg
• kbz xsf/L 3 u7g ubf kbz e/L btf ePsf a
  3x?sf slDtdf ) kltzt 3x? xeflu x'g'kg .

20
3x?sf u7g

• slDtdf j6f lhNnfsf ! j6f ljifout xsf/L yf
  jf ljifout lhNnf 3 jf ljifout kbz 3x? ldnL
  sGbLo ljifout xsf/L 3 u7g ug Sg
• sGbLo ljifout 3 u7g ubf ljifout lhNnf /
  kbz 3sf slDtdf ) kltzt xeflu x'g'kg .

21
3x?sf u7g

• slDtdf _at_ j6f jx'p2ZoLo jf ljifout xsf/L
  yfx? ldnL hnljB't, /ffolgs dn sf/vfgf,
  cfjfLo kl/ofhgf, oftfoft, ef/L slif pks/0f,
  kmnk"mn Pj h8La'6L kzfwg, lrgL pBfu, lzt
  e08f/, cktfn, lzIffno, kfljlws lzIffno,
  kofuzfnf rfngsf nflu ljlzli6st xsf/L 3
  u7g ug Sg
• ljlzli6st 3nfO s'g 3df r'Gg, r'lgg
  clwsf/ gx'g .

22
3x?sf u7g

• slDtdf _at_ j6f jx'p2ZoLo jf ljifout xsf/L
  yfx? ldnL hnljB't, /ffolgs dn sf/vfgf,
  cfjfLo kl/ofhgf, oftfoft, ef/L slif pks/0f,
  kmnk"mn Pj h8La'6L kzfwg, lrgL pBfu, lzt
  e08f/, cktfn, lzIffno, kfljlws lzIffno,
  kofuzfnf rfngsf nflu ljlzli6st xsf/L 3
  u7g ug Sg
• ljlzli6st 3nfO s'g 3df r'Gg, r'lgg
  clwsf/ gx'g
• a txsf slDtdf ) kltzt 3x?sf xeflutfdf
  /fli6o xsf/L dxf3 u7g ug Sg .

23
3x?sf u7g

• Pp6 txdf Pp6f ksltsf PseGbf al9 3 u7g gx'g
  .
• yf jf 3x? cfkdf ldnL gkfn /fi6 assf
  k"j jLslt lnO xsf/L as u7g ug Sg

24
xsf/L cleofgsf 7f8f DaGw
25
bkmf ! xsf/L yf ul7t yf x'g

• xsf/L yf cljl5Gg pQ/flwsf/jfnf Ps jzflt /
  ul7t yf x'g
• xsf/L yfn JolQm /x rn crn DkQL kflKt,
  pkefu, ljqmL jf cGo Jojyf ug Sg,
• xsf/L yfn cfkm\gf gfdaf6 gfln ph'/ ug
  Sg / f pk/ dt fxL gfdaf6 gfln ph'/
  nfUg,
• xsf/L yfn JolQm /x s/f/ ug Sg

26
bkmf ! xsf/L yfsf sfoIfq

• btf x'Fbfsf avt
• art tyf C0fsf sf/faf/ ug yfsf xsdf dxfgu/
  / pkdxfgu/df Ps j8f,
• cGosf xsdf
• Jojfo rfng ug cfjZos bo Vof,
• sdg a08
• bosf xeflutfd'ns nfstflGqs lgoGq0fsf nflu
  kfoskg yfg

27
bkmf ! xsf/L yfsf sfoIfq

• rfng ePsf b'O jif kl5 bosf kslt, kfos
  kg yfg, yfgLo cjlytL / ljzif Jofjflos
  cfjZostfsf cfwf/df sfoIfq ljtf/ ug lsg

28
bkmf ! xsf/L yfsf sfoIfq

• xfn rfngdf /xsf yfn Pg kf/De ePsf Ps
  jif leq bxfosf ljj/0f vfnL clwsf/kfKt clwsf/L
  dIf sfo rfng kltjbg kz ug'kg
• dfh'bf sfoIfqdf botf ljtf/sf cjyf,
• dfh'bf sfoIfqdf Jofjflos jf rfngsf
  cjyf,
• botf ljtf/, Jofjflos jf rfng / bosf
  nfstflGqs lgoGq0fsf cjyfsf cfwf/df sfoIfq
  k'gM lgwf/0f ug'kg .

29
bkmf _at_! sf/faf/, Jofjfo, pBfu jf kl/ofhgf
rfng ug Sg

• yf jf 3n p2Zo cg'?ksf Jofjfo jf sf/faf/
  rfng ug krlnt sfg'gn tfssf lgsfoaf6
  cg'dlt, jLslt jf Ohfht lng'kg ePdf f lnO
  rfng ug 5'6\6 kmd btf ug' gkg
• xsf/Ln pTkfbg u/sf jt' laqmLdf xsf/L af08
  kofu ug Sg

30
bkmf _at_ xsf/Lsf d"No, dfGotf / l4fGt kfngf
ug'kg

• xsf/L yfsf u7g tyf rfng ubf xsf/Lsf
  d"No, dfGotf / l4fGtsf kfngf ug'kg 5 .

31
bkmf _at_ yf jf 3sf sfo
u_ bo yf jf 3df 'zfg kj4g ug,
u/fpg, ª_ yf jf 3n ug pTkfbg tyf jfsf
dfkb08 lgwf/0f u/L u'0ft/ 'wf/, cflys yfloTj
/ hflvd Jojyfkg DaGwL sfo ug,
32
kl/R5b ljlgod tyf cfGtl/s sfoljlw
bkmf _at_, _at_, _at_(

• xsf/L 3 yfn Pg, lgod, lgblzsf, dfkb08 /
  sfoljlwsf clwgdf /xL cfkm\gf ljlgod agfpg'
  kg,
• Pg, lgod, lgblzsf, dfkb08, sfoljlw /
  ljlgodsf clwgdf /xL cfGtl/s sfoljlw agfpg Sg,
• cfGtl/s sfoljlw fwf/0f efsf ax'dt bon
  jLst u/kl5 nfu' x'g

33
fsf rfng klqmof
34
(No Transcript)
35
kl/R5b botf

• sfoIfq leq afaf u/sf,
• ljlgoddf pNnlvt ztx? / lhDdjf/L kfngf ug
  dh'/ ePsf,
• yfn u/sf sf/faf/Fu kltkwL x'gu/L
  sf/faf/ gu/sf,
• pkefQmf d'x / u/gfkmfd'ns yf Pj /sf/L
  lgsfox? bo aGg Sg -u'7L, Sna, _

36
kl/R5b botf

• botfsf nflu lgjbg lbg' kg
• lgjbg kfKt ePsf lbgleq botf DaGwL lg0fo
  ug'kg
• botf glbg lg0fo ePdf sf/0f lxt lbgleq
  hfgsf/L lbg'kg,
• botf glbg lg0fopk/ /lhi6f/ dIf ph'/L ug
  Sg

37
bkmf _at_ bo x'g gkfpg

• Ps yfgLo txsf Ps ksltsf PseGbf al9 yfdf
• xfn /xsf bfxf/f botf tLg jif leq Ps
  yfdf dfq sfod /fVg' kg,
• bkmf )-_at__ df pNnv u/ blv afxs sltd JolQm
  bo ePsf eP jif leq cGTo ug'kg,

38
bkmf botfsf dflKt

• nuftf/ tLgj6f jflifs fwf/0f efdf lagf 'rgf
  cg'klyt ePdf,
• bon kfngf ug'kg sfg'gL kfjwfgsf af/Daf/
  pNn3g u/df,
• fwf/0f ef afnfpg lg0fo ePkZrft fwf/0f ef
  DkGg gePDd snfO klg botfaf6 x6fpg lsg 5g

39
bkmf 'ljwf kfKt ug gSg

• xsf/L yfnfO ltg'kg s'g bfloTj lgwfl/t
  doleq e'Qmfg gu/df jf Pg, lgod / ljlgod
  adflhd bon kfngf ug'kg Jojyfsf af/Daf/
  pNn3g u/df Totf bon cGo bo /xsf 'ljwf
  kfKt ug Sg 5g
• -sf/fTds ljeb_

40
bkmf ) -_ fwf/0f ef

• b'O xhf/ jf f eGbf al9 bo ePsf yfn
  fwf/0f ef ubf dfg sfo"lrdf tflsP adflhd
  bo Vofsf cfw/df yfgLo tx jf Tosf j8fdf
  rfns box?nfO k7fO fwf/0f ef ug / Totf
  fwf/0f efsf lg0fo kdfl0ft ug kltlglwx?
  5gf6 ug Sg / Totf kltlglwx?sf pklyltsf
  fwf/0f efn clGtd lg0fo kdfl0ft ug5 .

41
bkmf ! rfns ldlt
_at_ pknAw ePDd slDtdf tQL kltzt dlxnf bosf
kltlglwTj 'lglZrt ug'kg, s'g xsf/L
yfsf rfns fxL yfsf sdrf/L jf
cfkm\gf yfn botf lnPsf yf afxs csf
s'g xsf/L yfsf rfns aGg kfpg 5g, t/
jflifs b'O s/f8 ?kofF eGbf sdsf sf/faf/
ug yfsf xsdf on afwf gkg . f eGbf al9
sf/faf/ ug yfdf bfxf/f lhDdjf/L eP rf/
jif leq sdrf/L kb Tofu ug'kg .
42
bkmf ! rfns ldlt
s'g Ps JolQm Ps dodf Ps dfq xsf/L yfsf
rfns aGg Sg, of Pg kf/De x'g'cl3 s'g
JolQm Ps eGbf al9 xsf/L yfsf rfns jf fxL
jf csf yfsf sdrf/L ePsfdf Ps jif leq
s'g Ps yfsf dfq rfns jf sdrf/L /xg'kg5
. xsf/L yf, 3, dxf3 / assf rfns
ldltsf sfosfn rf/ jifsf x'g5 .
43
bkmf rfns kbdf axfn g/xg
u_ lgh csf xsf/L yfsf rfns /xdf, 3_ lgh
fxL jf csf xsf/L yfsf sdrf/L
/xdf, ª_ lgh fxL jf csf xsf/L yfsf nvf
'kl/jIf0f ldltsf bo /xdf,
44
bkmf rfnsnfO kbaf6 x6fpg Sg
s_ cflys lxgfldgf u/L yfnfO xfgLgfSfgL
k'ofPdf, v_ xsf/L yfsf sf/faf/ DaGwL
ufkgLotf eu u/df, u_ yfsf sf/faf/ /
Jofjfo Fu kltkwf x'gu/L dfg ksltsf
sf/faf/ jf Jofjfo u/df,
45
bkmf lghL jfy dfjz ePsf lg0fo klqmofdf
nUg x'g gx'g
cfkm\gf clwsf/ Ifq eGbf aflx/ uO s'g
sfd sf/jfxL u/ u/fPdf Totf sfd sf/jfxLklt
Totf rfns JolQmut ?kdf pQ/bflo x'g5 / Totf
sfd sf/afxLaf6 xsf/L yfsf, bo jf cGo s'g
JolQmnfO xfgL gfSfgL x'g uPsf /x5 eg Totf
xfgL gfSfgL lghaf6 c'npk/ ul/g 5 .
46
kl/R5b art tyf C0f kl/rfng
47
bkmf ) bo slGbt eO art tyf C0fsf sf/faf/
ug' kg
_at_ art tyf C0fsf d'Vo sf/faf/ ug u/L btf
ul/Psf yf afxs cGo ljifout jf ax'p2ZoLo
yfn art tyf C0fsf d'Vo sf/faf/ ug kfpg
5g . o cl3 ax'p2ZoLo jf ljifout yfsf ?kdf
btf eO d'Vo sf/faf/sf ?kdf art tyf C0fsf
sf/faf/ ub cfPsf eP tLg jifleq art tyf
C0fsf d'Vo sf/faf/ gx'gu/L btf x'Fbfsf avtsf
d'Vo sf/faf/ ug Sg5g\ .
48
bkmf _at_ -h_ d'Vo sf/faf/
d'Vo sf/faf/ eGgfn yf jf 3n rfng
u/sf Jofjflos lqmofsnfkx?df kl5Nnf cflys
jifDddf kl/rflnt artsf bfloTj / kl5Nnf cflys
jifsf bo tkmsf vl/b jf laqmL sf/faf/df
slDtdf tL kltzt eGbf a9L lxf ePsf sf/faf/
Demg' kb5 .
49
bkmf ) bo slGbt eO art tyf C0fsf sf/faf/
ug' kg
art / C0fsf Jofh b/ larsf cGt/ 5 kltzt eGbf
al9 x'g 5g, xsf/L yfn art /sd bo lar
C0f nufgL afxs crn DkQL vl/b, k"jfwf/
lgdf0f, sf/faf/df nufgL, kmd jf sDkgL jf s'g
assf zo/ v/Lb jf cGo s'g kofhgdf kofu
ug' x'Fbg . botf kfKt u/sf tLg
dlxgf Joltt geO C0f nufgL ug Sg 5g .
50
kl/R5b !) xsf/L yfsf sfif
bkmf blv !

• v'b artsf slDtdf _at_ kltzt, hu8f sfif
• hu8f sfif 5'6\ofO afFsL artsf slDtdf _at_
  kltzt, /lIft k'FhL lkmtf sfif -jflifs
  sf/faf/sf cfwf/df ljt/0f ug'kg_
• ) kltzt xsf/L ka4g sfif
• xsf/L ka4g sfifdf hDdf ePsf /sdsf cfwf/df
  dGqfnon /sd pknAw u/fpg Sg,

51
bkmf blv !

• ka4g sfifaf6 3x?nfO tflsP adflhd /sd
  pknAw u/fpg
• ka4g sfifaf6 kfKt /sdsf slDtdf kltzt /sd
  xsf/L Jojfosf k"jfwf/df / afFsL /sd Jofjfo
  ka4g, lzIff, "rgf / tflnd, ahf/ ka4g, yf
  jf 3sf cg'udg htf sfodf vr ug'kg .
• zo/ nfefzsf /sd zo/ k'FhLsf ! kltzt eGbf
  al9 x'g 5g .

52
kl/R5b !! clenv / "rgf
bkmf _at_ /

• lgDg ljj/0f lxtsf kltjbg kz ug'kg
• sf/faf/sf rfdfls, jflifs tyf nk kltjbg
• jflifs sfoqmd, gLlt / ofhgf
• v'b art DaGwL gLlt tyf ofhgf
• rfnssf gfd tyf afFsL sfofjlwsf "lr
• fwf/0f efsf a7s DaGwL hfgsf/L
• zo/ bo Vof / k'FhL
• rfns jf bon lnPsf C0f / ltg afFsL /sd

53
bkmf nvfkl/Ifsdf lgo'Qm x'g gSg

• xsf/L yfsf rfns
• fxL yfsf bo
• xsf/L yfsf kfl/gtlds kfpg Nnfxsf/ jf
  sdrf/L
• nvfkl/If0f DaGwL s'/df hfo kfPsf tLg jif
  gk'usf
• ei6frf/, 7uL jf glts ktg x'g kmfHbf/L s'/df
  hfo kfPsf kfFr jif k'/f gePsf JolQm
• -Joxfl/s kofudf s7Lg, lgo'Qm JolQmsf dTo',
  sf/jfxL jf afO /fOsf sf/0f klxnf g lgo'Qm
  ug / 5fgljg ug glsg_

54
bkmf 5'6, 'ljwf / x'lnot
! krlnt sfg'gdf h's nlvPsf ePtfklg
s_ xsf/L yfn crn DkQL afxs sf/faf/sf
lnvt /lhi6zg u/fpg' gkg, v_ sfofno
kofhgsf ejg lgdf0f ug hUuf v/Lbdf cfo l6s6
bt'/ jf /lhi6zg bt'/ gnfUg, u_ C0f nufgL
ubf jf hdfgt jfkt /fvsf hUuf bli6 aGws kfl/t
ubf s'g klg z'Ns gnfUg,
55
bkmf 5'6, 'ljwf / x'lnot
_at_ krlnt sfg'gdf h'g's s'/f nlvPsf ePtfklg
xsf/L yfn hu8f sfifdf 5'6\ofPsf /sd,
/lIft k'FhL lkmtf sfifdf 5'6\ofPsf /sd /
xsf/L ka4g sfifdf hDdf u/sf /sddf cfos/
nfUg 5g . cfBflus Jofjfo ug xsf/L
yfx?nfO krlnt sfg'g adflhd pBfun kfP
/xsf / k"jfwf/ /rgfsf lgdf0f tyf rfng jf
ljzif pBfu, Jojfo jf jf rfng ug
xsf/LnfO Totf pBfu, Jojfo jf jfn kfP
/xsf 5'6 / /If0f kfKt x'g
56
bkmf 5'6, 'ljwf / x'lnot
gkfn /sf/, kbz /sf/ jf yfgLo txn ljkGg
ufdL0f dlxnf, ckfutf ePsf JolQm, d'Qm sdof,
d'Qm xlnof, e"ldlxg sifs, a/fhuf/, gtlds / blnt
tyf cNkVos hghflt dtsf LdfGtst d"xsf
xsf/L vtLkftL jf bosf gtd jf Lkdf cfwfl/t
j/fhuf/Lsf pBfuwGbf kj4g ug krlnt sfg"g
adflhd nfUg h'g's s/ cflzs jf k'/ 5'6 lbg,
aLp k'FhL, nufot xeflutf cg'bfg, x'lnotk"0f
C0f nufotsf ljzif ljQLo 'ljwf tyf kfljlws
6jf kbfg ug Sg5 .
57
bkmf 5'6, 'ljwf / x'lnot
?U0f fjhlgs jf gLlh pBfu xsf/Ls/0f u/L
gtldsx?n cfkm\g jfldTjdf k'gM rfng ug rfxdf
gkfn /sf/n pBfusf kslt x/L dgflj
cg'kftdf aLp k'FhL, cg'bfg, C0f jf x'lnotk"0f
C0f sfod u/L jfldTj xtfGt/0f ug jf gLlh
jfldTjsf xtfGt/0fdf s/ 5'6, hdfgt jf pko'Qm
xofu u/L kfTfxg lbg Sg 5 .
58
bkmf ( C0f c'n ug

• C0f lnbf yf u u/sf zt, sa'lnotsf kfngf
  gu/df, jf lnvtsf efvf leq fjfF, Jofh, xhgf
  r'Qmf gu/df jf lnPsf C0f /sd DalGwt sfddf
  gnufO lxgfldgf u/df lwtf lnnfd jf cGo s'g
  Jojyf u/L c'n ug Sg .
• lwtfaf6 C0fsf fjfF, Jofh / xhgf c'n x'g
  gsdf C0fLsf xs nfUg cGo hfo hyfaf6 klg
  c'npk/ ug Sg .

59
bkmf ) sfnf 'lr DaGwL Jojyf

• xsf/L yfaf6 C0f lnO /sdsf ckrng ug jf
  efvf leq C0fsf fjfF Jofh lkmtf gug JolQmsf
  gfd gfdzL lxt sfnf 'lr ksfzg ug lsg 5 .

60
bkmf ! shf 'rgf sGb

• dGqfnon /fsf/jfnfsf xeflutfdf Ps shf 'rgf
  sGb yfkgf ug 5 .

bkmf _at_ shf c'nL Gofoflws/0f

• xsf/L Ifqsf nflu Ps shf c'nL Gofoflws/0f /xg
  5 .

61
bkmf ( art tyf C0fsf sf/faf/ ug yf jf
3sf lg/LIf0f tyf cg'udg DaGwL ljzif Jojyf

• tflsP adflhdsf cg'udg k0ffnL canDag ug'kg,
• /lhi6f/n gkfn /fi6 as nufot cGo lgsfosf
  xofu lng Sg

62
bkmf (( 3n lg/LIf0f tyf cg'udg ug'kg

• 3n cfkm\gf bosf sfd sf/jfxLsf tflsP
  adflhd lg/LIf0f tyf cg'udg u/L fsf kltjbg
  ljefu tyf sfofnonfO lbg'kg

63
bkmf !)! xsf/L art tyf shf '/If0f sfif
! gkfn /sf/n kbz /sf/ jf yfgLo txn
xsf/L yfx?sf xeflutfdf yfx?n kl/rfng
ug art / kbfg ug shfsf '/If0f Jojyfsf
nflu Ps xsf/L art tyf shf '/If0f sfif v8f ug
Sg5 .
64
bkmf !)_at_ cfkL '/If0f jf rfng ug Sg
! yfn aLdf ldltaf6 jLst ofhgfsf zt
aGbh cg'f/ cfkm\gf box?sf afnLgfnL jf
jt'efp htf ofhgfdf pNnlvt sf/0fn ePsf
Ifltsf lglZrt cz k"lt ug u/L lgwfl/t clwstd
Ldf / z'Ns Ddsf cfkL '/If0f jf rfng ug
Sg 5 .
65
bkmf !) ly/Ls/0f sfif
! art tyf C0f xsf/L yfsf rfngdf Defljt
hflvdaf6 /If0f ug Totf yfx? ldnL Ps
ly/Ls/0f sfif yfkgf ug Sg5g\ . _at_ sfifdf
OR5's yf, gkm\s"gsf bo yf, xsf/L
dxf3, xsf/L as, ljsf af8, gkfn /fi6
as, dGqfno, gkfn /sf/sf cGo lgsfo /
cGt/fli6o xsf/L 3x?sf ofubfg /xg Sg5
. ly/Ls/0f sfif gkm\s"gdf /xg 5 .
66
ly/Ls/0fsf sfifsf p2Zo

• lgoldt cg'udgaf6 ljQLo sf/fjf/nfO cg'zflt /
  '/lIft agfpg,
• lgoldt klzIf0f dfkmt JojyfksLo Ifdtf 'b9
  agfpg,
• t/ntf cefjdf /n shf pknAw u/fO ljQLo s6af6
  hfufO bfloTj lkmtf ug IfdtfnfO yfut ?kdf
  '/Iff kbfg ug,
• box?sf jrtnfO '/lIft ug kljlwx?sf ljsf
  u/L d'bfosf cfyf Pj ljZjfz sfod /fVg,

67
ly/Ls/0fsf sfifsf p2Zo

• jlgodg dfkmt cfGtl/s z'fzg sfod u/L fv
  cleal4 ug,
• ly/Ls/0f sfifdf /sf/L tyf u//sf/L lgsfoaf6
  xofu h'6fpg,
• fsf cleofgsf jR5 5lj sfod ub ljZjf cfhg
  ug,
• cleofgsf PSoa4tfnfO dhj't jgfpg',
• yfut Aofjflos dfksx? lgwf/0f u/L t/Lotf
  sfod ug

68
bkmf !! Jojyfkg ldltn nvL k7fpg Sg

• ! dofut yf jf 3sf DkQL Jojyfkg jf
  bfloTj e'QmfgLdf bxfo adflhd ug Sg
• ldltsf bo, Jojyfks jf sdrf/L jf lghsf
  kl/jf/sf bo jf yf jf 3sf s'g as jf
  ljQLo yfdf ePsf cflys sf/faf/ jf vftf jf
  cGo rn crn DkQL /fSsf /fVg
• ldltsf bo, Jojyfks jf sdrf/LnfO /fxbfgL
  hf/L gug jf hf/L eOssf eP /fxbfgL /fSsf /fVg
• C0f gltg bo jf JolQmsf gfd sfnf"lrdf /fVg

69
kl/R5b !( s"/, b08, hl/jfgf tyf k'g/fjbg
70
bkmf !_at__at_ s"/ u/sf dflgg

• bosf art Pg, sfg'g / ljlgod ljkl/tsf
  kofhgdf kofu u/df,
• tflsP eGbf al9 /sd C0f kbfg ubf hdfgt jf
  '/If0f g/fvL kbfg u/df,
• yfsf DkQL, art jf zo/ /sd lxgfldgf u/df,
• c"n x'g gSg u/L ldltsf bo jf sdrf/L /
  plgx?sf gftfuftfdf nufgL u/df,
• em'7\7f jf unt ljj/0f kz u/L C0f lnPdf, /fvsf
  lwtf sRrf ePdf jf C0f lxgfldgf u/df

71
bkmf !_at__at_ s"/ u/sf dflgg

• xsf/L Pg, lgod / ljlgod ljkl/t nufgL u/df jf
  nufgL ug p2Zon /sd p7fPdf,
• sqLd Jojfo v8f u/L C0f lnPdf jf lbPdf,
• lwtfsf cjefljs ?kdf a9L d"Nofsg u/L C0f lnPdf
  jf lbPdf,
• em'7f ljj/0fsf cfwf/df kl/ofhgf nfut
  cjefljs?kdf a9fO a9L C0f lnPdf jf lbPdf,
• bfxf/f x'gu/L '/If0f lbPdf jf jLsf/ u/df,

72
bkmf !_at__at_ s"/ u/sf dflgg

• xsf/L yfaf6 h'g kofhgsf nflu C0f 'ljwf
  lnPsf xf fxL kofhgdf gnufO cGoq kofu u/
  jf u/fPdf,
• lwtfdf /flvPsf rn crn DkQL lnnfd laqmL jf cGo
  kofhgsf nflu d"Nofsg ubf a9L, sd jf unt
  d"Nofsg u/L yfnfO xfgL gfSfgL k'ofpg
  sfo u/ u/fPdf,
• yf jf bo jf artstf jf tL dWo snfO xfgL
  gfSfgL k'Ug u/L nvfkl/If0f u/ u/fPdf jf nvf
  k/LIf0f u/sf em'7f kltjbg tof/ kf/ jf kfg
  nufPdf,

73
bkmf !_at_ s"/ u/sf dflgg

• cn lgotn u/sf sfdsf arfp M
• ! cn lgotn u/sf s'g sfd
  sf/jfxLsf DaGwdf dGqfno jf ljefu jf xsf/L 3
  yfx?sf kbflwsf/L jf sdrf/L JolQmut jf
  fd"lxs?kn hjfkmbxL x'g 5gg\
• _at_ klqmof k'/f gu/L / ablgotfy ul/Psf
  sfosf s'g arfp x'g5g .

74
bkmf !_at_ hfo

• s'/sf dfqf cg'f/ lauf, lauf cg'?ksf h/Ljfgf
  / ! blv !) jifDd sb,
• s"/ ug d2t k'ofpg JolQmnfO d'Vo s"/bf/sf
  cfwf hfo,
• s"/ ug d2t k'ofpg yf jf lgsfo eP fsf
  kd'v sfosf/L, kbflwsf/L jf sfosf/L xlotdf
  sfoDkfbg ug JolQmnfO Pg cg'?ksf hfo,

75
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
btf gu/L jf vf/h ePsf xsf/L yf rfng u/df jf s'g JolQm, kmd jf sDkgLn cfkm\gf gfddf xsf/L zAb jf f zAbsf cuhL ?kfGt/0f /fvL s'g sf/faf/, Jojfo, jf kjfx jf cGo s'g sfo u/df tflsPsf eGbf a9L /sd C0f kbfg ubf hdfgt jf '/If0f g/fvL C0f kbfg u/df, Ps jifDd sb / Psnfv ?kofFDd hl/afgf
76
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
xsf/L yfaf6 h'g kofhgsf nflu C0f 'ljwf lnPsf xf fxL kofhgdf gnufO cGoq kofu u/ jf u/fPdf, s'g xsf/L yf jf fsf bo jf artstf jf tLdWo snfO xfgL gfSfgL k'Ug u/L nvfk/LIf0f u/ u/fPdf jf nvf k/LIf0f u/sf em'6f kltjbg tof/ kf/df jf kfg nufPdf Ps jifDd sb / Psnfv ?kofFDd hl/afgf
77
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
s'g JolQm jf xsf/L yfnfO Ps k6s lbOssf '/If0f /Ltk"js km's'jf geO jf f '/If0fn vfdsf d"NoeGbf a9L x'gu/L fxL '/If0f cGo yfdf /fvL k'gM C0f lnP jf lbPdf, b'O jifDd sb / b'Onfv ?kofFDd hl/afgf
78
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
bosf art o Pg / o Pg cGtut agsf lgod, ljlgod adflhd afxs cGo s'gklg kofhgsf nflu kofu u/df, s"/df lauf a/fa/sf /sd hl/afgf u/L tLg jifDd sb,
79
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
ldltsf bo, Jojyfks jf sdrf/Ln xsf/L yfsf DkQL, art jf zo/ /sd lxgfldgf u/df, s"/df lauf e/fO lauf adflhd hl/afgf u/L -lauf !) nfv Dd eP ! jif, ) nfv Dd eP _at_ blv jif, ! s/f8Dd blv jif, !) s/f8Dd eP blv jif, ! caDd eP blv jif, f eGbf dfly blv !) jifDd sb
80
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
C0f c"n x'g gSg u/L ldltsf s'g bo, lghsf gftbf/ jf cGo JolQm jf sdrf/LnfO C0f lbO /sd lxgfldgf u/df, em'7\7f jf unt ljj/0f kz u/L shf lnPdf, /fvsf lwtf sRrf ePdf jf C0f lxgfldgf u/df, slqd Jojfo v8f u/L jf u/fO C0f lnPdf jf lbPdf, dfly pNnlvt adflhd
81
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
ldltsf s'g bon PSn jf cGo bosf ldndtfdf xsf/L yfsf zo/ jf art /sd cfkm" v'L kl/rfng u/L xsf/L yfnfO xflg gfSfgL k'ofPdf, xsf/L yfn o Pg / o Pg cGtut agsf lgod ljlgod ljk/Lt nufgL u/df jf nufgL ug p2Zon /sd p7fPdf, lwtfsf cjfefljs ?kdf a9L d"Nofsg u/L C0f lnPdf jf lbPdf, dfly pNnlvt adflhd
82
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
em'7\7f ljj/0fsf cfwf/df kl/ofhgfsf nfut cjfefljs ?kdf a9fO a9L C0f lnPdf jf lbPdf, C0fsf lwtf j?k /flvg rn crn DkQL lnnfd laqmL jf cGo kofhgsf nflu d"Nofsg ubf d"Nofsgstfn a9L, sd jf unt d"Nofsg u/L xsf/L yfnfO xfgL gfSfgL k'ofpg sfo u/ jf u/fPdf, dfly pNnlvt adflhd
83
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
xsf/L yfnfO xfgL gfSfgL k'ofpg p2Zon sn s'g sfd u/fpg jf gu/fpg, dfnflxhf ug jf u/fpg, s'g lsldsf /sd lng jf lbg, lagf d"No jf sd d"Nodf s'g dfn, jt' jf jf lng jf lbg, bfg, bftJo, pkxf/ jf rGbf lng jf lbg, unt lnvt tof/ ug jf u/fpg, cg'jfb ug jf u/fpg jf u/ sfg"gL nfe jf xfgL k'ofpg ablgotn s'g sfo u/ jf u/fPdf, dfly pNnlvt adflhd
84
s"/, b08, hl/afgf tyf k'g/fjbgsf f/
s"/ hfo
xsf/L yfsf s'g sfuhft jf vftfdf nlvPsf s'g s'/f s'g tl/sfn x6fO jf p8fO cs cy lgsg Joxf/f kf/L ldnfO nVg jf csf ldGg gttf /fVg htf sfd u/af6 cfkm"nfO jf c? snfO kmfObf jf xfgL gfSfgL ug p2Zon lst ug jf csfsf xfgL gfSfgL ug p2Zon gu/ jf gePsf em'6\6f s'/f u/ jf ePsf xf egL jf ldlt, cs jf Joxf/f km/s kf/L xL5fk u/L u/fO sfuhft agfO jf agfpg nufO hfnfhL u/ jf u/fPdf, bz jifDd sb
85
bkmf !_at_ h/Ljfgf

• ! bxfosf sfodf kfFr nfv Dd h/Ljfgf
• Pg / lgod ljkl/t boFu Jofh lnPdf,
• k8 b/ kltzt eGbf a9L sfod u/df,
• JofhnfO k'FhLs/0f u/L Jofh nufPdf,
• s'g bonfO k'FhLsfifsf tflsPsf kltzt eGbf
  a9L C0f nufgL u/df,
• bo agsf tLg dlxgf glaTb C0f nufgL u/df,
• kfylds k'FhL sfifsf ! u'0ff eGbf a9L art
  sng u/df,

86
bkmf !_at_ h/Ljfgf

• ! bxfosf sfodf kfFr nfv Dd h/Ljfgf
• zo/ k'FhLsf ! kltzt eGbf a9L nfefz ljt/0f
  u/df,
• cfkm\gf sfoIfq eGbf aflx/ jf u/bo Fu
  sf/faf/ u/df,
• Pgsf Jojyf ljkl/t sltd JolQmnfO botf lbPdf,

87
bkmf !_at_ h/Ljfgf

• _at_ bxfosf sfodf tLg nfv Dd h/Ljfgf
• lbPsf lgbzg jf tflsPsf dfkb08 kfngf gu/df,
• lgod adflhd lbg'kg s'g ljj/0f, 'rgf, sfuhft,
  kltjbg jf hfgsf/L glbPdf,
• lgjfrg gu/L ldltsf box? kl/jtg u/df,
• Pgdf tflsPsf ztx? kfngf gu/df,

88
bkmf !_at_ bfAa/ h/Ljfgf x'g

• k'gM fxL s'/ bfxfofPdf bfgtf k6s blv
  kTos k6s bfAa/ hl/afgf ug Sg

bkmf !) gkfn /sf/ jfbL x'g

• bkmf !_at_ adflhd hfo x'g d'2fdf gkfn /sf/
  jfbL x'g5 .

89
bkmf !! s/ DaGwL Jojyf

• dxfgu/kflnsf, pkdxfgu/kflnsf / gu/kflnsf Ifq leq
  rflnt ljQLo sf/faf/ ug xsf/L yfx?nfO
  qmdzM bz, ft / kfFr kltzt cfo s/ nfUg 5 .
  ufpFkflnsf leq rflnt xsf/LnfO s/ nfUg 5g .

90
bkmf ! /sf/L afsL /x c'n pk/ x'g

• s'g xsf/L yfn kfKt u/sf /sf/L cg'bfg jf
  s'g jf 'ljwf b'?kofu u/sf kfOPdf krlnt
  sfg'g adflhd /sf/L afFsL /x c'n pk/ ul/g 5 .

91
fsfn dfq ljQLo sf/fjf/ ug kfpg

• art tyf C0f xsf/L yf afxs cGo ljifout jf
  jx'p2zLo yfn art C0f ug gkfpg,
• art tyf C0fsf Jofhb/ kltzt eGbf j9L /fVg
  gkfOg,
• fsfn kfylds k'FhLsfifsf kGw u'0ffDd dfq
  jrt jLsf/ ug Sg,
• sltko kfjwfgdf ax'cyL efiff kofu ePsf 5,

92
xsf/L as DaGwdf

• xsf/L jssf cjwf/0ff km/flsnf jgfpFb of
  Pgn gkfn /fi6 asn tfssf k'FhLsf cfwf/df
  /fi6 assf k"j jLslt lnO xsf/L as u7g
  ug lsg,
• /fi6js / xsf/L ljefu bfxf/f lgodgsf
  Jojyf,
• yf / 3sf Go"gtd cfj4tfsf Vof lglZrt
  gul/Psfn sDtLdf b'Oj6f 3 Yff ldnL js
  rfng ug lsg,

93
xsf/L as DaGwdf

• /fi6 as / xsf/L ljefusf /lhi6f/sf
  bfxf/f lgodgsf kfjwfgaf6 xsf/L assf
  jfwLgtf / joQtfdf cs'z nufpg vfhsf 5,
• yf tyf 3x? ldnL as u7g ug Sg v'nf
  kfjwfgn cjefljs kltkwf eO aÍsf yfloTjdf
  dof lhgf x'g S5 .

94
fsfdf bo hkmfjbxLtf DaGwL Jojyf

• bonfO yf klt hjfkmbxL jgfpg lgDg Jojyf 5
  
• yfsf '/Iffsf nflu sfnf "rL DjGwL Jojyf,
  
• shf "rgf DaGwL Jojyf,
• shf c'nL GofofwLs/0fsf Jojyf,
• yfn cfjZos 7fgdf JolQmsf vftf, hfohyf
  jfldTj xtfGt/0f, gfdf/L ljqmL ljt/0f ug
  gkfpg u/L /fSsf ug Sg Jojyf,
• /fxbfgL glbg jf /fSsf ug Sg Jojyf,

95
3 dfkmt fsfsf cg'dugsf Jojyf

• art tyf C0f xsf/L 3 / yfsf lg/LIf0f /
  cg'udg DaGwL ljzif Jojyf,
• art tyf C0f xsf/Lsf cg'udgsf nflu 5'6\6
  dfkb08sf kl/sNkgf,
• 3x?n cfˆgf box?sf lg/LIf0f / cg'udg u/L
  'zfg / lxtfsf kfngfdf q'6L ePdf Rofpg
  pbflg ePdf sf/jfxLsf nflu /lhi6f/ dIf
  kltjbg / lkmfl/ ug Sg Jojyf ul/Psf 5 .

96

• bo / rfns b'jnfO lxtf pNn3gdf b08,
  hl/jfgfsf Jojyf u/sf 5 . GofoLs hfo eGbf u/
  GofoLs lgsfodf jljjsLo clwsf/ j9L slGbt,

97
ljlzli6st 3 DjGwL Jojyf
98
sDtLdf kRrL j6f jx'p2ZoLo jf ljifout yfx?n
cfkdf ldnL hnljB't cfofhgf, /ffolgs dn
sf/vfgf, cfjfLo kl/ofhgf, oftfoft, ef/L slif
pks/0f, kmnkm'n kzfwg, hl8j'6L kzfwg, lrgL
pBfu, zLt e08f/, cktfn, lzIffno, kfljlws
lzIffno, kofuzfnf, htf 7"nf nufgL rflxg
pTkfbg ug jf bosf emf cfjostfsf jt' jf
jf kl/k'lt ug ljlzi6st xsf/L 3 u7g ug
Sg Jojyf u/sf 5 . of k"0f ?kdf Jojflos
yf x'g / odf r'Gg / r'lgg clwsf/ gx'g
kfjwfg u/sf 5 .
99
xsf/Ldf v'b artsf u0fgf
ljj/)f /sd
s'n ljQLo cfDbfgL -s_
s'n ljQLo vr -v_
ljQLo km/stf -u_, -sFv_
rfng cfDbfgL -_
hDdf cfDbfgL -ª_, -u?_
rfng vr -r_
hDdf rfng cfo -_
'/If)f vr -h_
'/If)f klsf s'n gfkmf -em_, -Fh_
sdrf/L afg sfif Jojyf -f_
sdrf/L afg sfif Jojyf -_, -emFf_
100
gof Pg cg'f/ s/ u0fgf
ljj/)f afkmfsf nflu kfKt /sd sfifdf kfKt /sd
afkmfsf nflu kfKt s'n art 1000  
huf sfif -25 kltzt_ 250
cGo sfifdf afkmfsf nflu kfKt 750  
/lIft k'hL lkmtf sfif -25 kltzt_ 187.5
xsf/L kag sfif -05 kltzt_ 3.75
s'n s/ ofUo art -gfkmf_ 578.75  
cfo s/ Jojyf -5, 7, 10 kltzt_ 57.88  
cGo sfifdf afkmfsf nflu kfKt 520.87  
101
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102
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104

• ly/Ls/0f sfif yfkgf,
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105

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106

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107

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108
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110

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111

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112

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113
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• b jf /sf/n kfl/t u/sf cGo krlnt sfg'gx?

114
oxfFx?sf /rgfTds Nnfx, 'emfj, l6Kk0fL /
kltlqmofsf ckIff ub5' .
115
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