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z I gv Sv wi G ›Uv i cÖv B R (Gm Gg B) F Y bx wZ gv jv I K g© m~ wP evsjv‡`k e¨vsK cÖavb Kvh©vjq W. †gvt †Mvjvg gy¯—vdv, gnve¨e¯’vcK, gy`ªY I cÖKvkbv wefvM evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv KZ…©K cÖKvwkZ †dvb t 7110211, 7120951 B-†gBj t [email protected] I‡qemvBU : www.bangladeshbank.org.bd www.bangladesh-bank.org †mªvZ G¨vWfvU©vBwRs, XvKv †_‡K gyw`ªZ wWwcwc-03-2010-2000 GmGgB GÛ †¯úkvj †cÖvMÖvgm& wefvM, wØZxq msjMœx feb, 25 Zjv evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv | †dvb t 7165322
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Page 1: Bangladesh SME LOAN policy

¶z `ª I gv Sv wi G ›Uv i cÖv B R (Gm Gg B)F Y bx wZ gv jv I K g© m~ wP

evsjv‡`k e¨vsKcÖavb Kvh©vjq

W. †gvt †Mvjvg gy¯—vdv, gnve¨e¯’vcK, gy`ªY I cÖKvkbv wefvMevsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv KZ…©K cÖKvwkZ†dvb t 7110211, 7120951B-†gBj t [email protected]

I‡qemvBU : www.bangladeshbank.org.bdwww.bangladesh-bank.org

†mªvZ G¨vWfvU©vBwRs, XvKv †_‡K gyw`ªZ

wWwcwc-03-2010-2000

GmGgB GÛ †¯úkvj †cÖvMÖvgm& wefvM, wØZxq msjMœx feb, 25 Zjvevsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv |†dvb t 7165322

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¶z ª I gvSvwi G›UvicÖvBR (GmGgB)FY bxwZgvjv I Kg©m~wP

evsjv‡`k e¨vsKcÖavb Kvh©vjq, XvKv

GmGgB GÛ †¯úkvj †cÖvMÖvgm& wefvM

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m~wPcÎ

μwgK bs welqe¯‘ c„ôv b¤^i

1 f~wgKv 5

2 GmGgB Lv‡Zi Dbœq‡b evsjv‡`k e¨vsK KZ„©K M„nxZ c`‡¶cmg~n 5

3 GmGgB Gi msÁv 7

3.1 ¯§j G›UvicÖvBR Gi msÁv 7

3.2 wgwWqvg G›UvicÖvBR Gi msÁv 7

4 GmGgB F‡Yi j¶¨gvÎv 7

5 Gwiqv G‡cÖvP c×wZi e¨envi 8

6 K¬v÷vi †W‡fjc‡g›U cwjwm 8

7 GmGgB Lv‡Z A_©vqb 9

8 ¶z`ª D‡`¨v³v‡`i AMÖvwaKvi 9

9 wkí (g¨vbyd¨vKPvwis) I mvwf©m Lv‡Z cybtA_©vq‡b AMÖvwaKvi 9

10 bvix D‡`¨v³v‡`i R‡b¨ we‡kl Kg©m~wP 9

10.1 cÖK„Z bvix D‡`¨v³v wPwýZKiY 10

11 RvgvbZ 10

12 Av‡e`bcÎ MÖnY I we‡ePbv 11

13 †MÖm wcwiqW 11

14 FYMÖnxZvi †hvM¨Zv 11

15 GmGgB F‡Yi my` 11

16 FY weZi‡Yi †¶‡Î AvDU‡mvwm©s Gi e¨envi 12

17 cÖwk¶Y Kg©m~wP 12

18 GmGgB FY Kvh©μg gwbUwis 12

19 GmGgB FY weZiYKv‡j MÖvn‡Ki †gvevBj b¤^i kvLv ch©v‡q msi¶Y 16

20 Z‡_¨i mnRjf¨Zv 16

21 cÖ‡Yv`bv 16

22 GmGgB mvwf©m †m›Uvi 17

23 GmGgB Gi D‡j-L‡hvM¨ LvZmg~n 17

24 KwZcq aviYvi (terms) msw¶ß e¨vL¨v 17

ms‡hvRbxmg~n 19

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ms‡hvRbx wk‡ivbvg c„ôv b¤^i

K GmGgB Lv‡Z FY weZi‡Yi j¶¨gvÎv 20

L nvjKv cÖ‡KŠkj wkí K¬v÷vi 21

M Dc‡RjvwfwËK GmGgB F‡Yi m¤¢vebvgq LvZmg~n 22

N GmGgB FY msμvš— Z_¨ weeiYx QK (cybtA_©vqb e¨ZxZ) 49

O GmGgB FY msμvš— Z_¨ weeiYx QK (cybtA_©vqb FY) 50

P GmGgB mvwf©m †m›Uvi msμvš— Z_¨vw` 51

Q GmGgB Gi D‡j-L‡hvM¨ LvZmg~n 63

ms‡hvRbxmg~n

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1. f~wgKv t

evsjv‡`‡ki g‡Zv Dbœqbkxj †`‡ki mvwe©K A_©©‰bwZK Dbœq‡b ¶z`ª I gvSvwi G›UvicÖvBR¸‡jvi D‡j-L‡hvM¨ f~wgKv Ab¯^xKvh©| G LvZwU kÖgNb (labor intensive) Ges Drcv`b mgqKvj (gestation period) ¯^í nIqvq RvZxq Avq e„w× I Kg©ms¯’vb m„wó‡Z `ª“ZAe`vb ivL‡Z m¶g| mnmªvã Dbœqb j¶¨mg~n (MDGs) we‡kl K‡i Pig `vwi`ª¨ I ¶zav wbg~©jKiv Ges bvix cyi“‡li mgZv I bvixi ¶gZvq‡b G LvZ e¨vcK f~wgKv ivL‡Z m¶g| Gwkqvi ‡ekwKQz mg„×kvjx †`‡ki A_©‰bwZK Dbœq‡b GmGgB LvZ ¸i“Z¡c~Y© f~wgKv cvjb Ki‡Q,GQvov Avgv‡`i cÖwZ‡ekx †`k¸‡jvI GmGgB Gi Ici e¨vcK ¸i“Z¡v‡ivc Ki‡Q| Zv‡`i`„wó‡Z GmGgB n‡”Q ‘employment generating machine’ Ges †m Kvi‡YB A_©‰bwZK cÖe„w×AR©b, Avq ‰elg¨ Kwg‡q Avbv, `vwi`ª¨ we‡gvPb cÖf„wZ j¶¨ AR©‡bi nvwZqvi wn‡m‡e Zviv ¶z`ªI gvSvwi wk‡íi Dbœqb‡K †e‡Q wb‡q‡Q| eZ©gvb miKviI GmGgB Lv‡Zi Dbœqb‡K wkívq‡biPvwjKv kw³ wn‡m‡e MÖnY K‡i G LvZ‡K AMÖvwaKvi LvZ wn‡m‡e wPwýZ K‡i‡Q|

2. GmGgB Lv‡Zi Dbœq‡b evsjv‡`k e¨vsK KZ„©K M„nxZ c`‡¶cmg~n t

evsjv‡`k e¨vsK ¶z`ª I gvSvwi G›UvicÖvBR¸‡jvi weKvk I m¤úªmvi‡Yi j‡¶¨B‡Zvg‡a¨ †ek wKQy ¯‹xg I Kg©m~wP MÖnY K‡i‡Q| GmGgB Lv‡Zi Dbœq‡bi j‡¶¨ evsjv‡`ke¨vsK, AvBwWG I GwWwe Znwej n‡Z myj‡f A_©vr cybtA_©vqb ¯‹x‡g A_©vqb Kiv n‡”Q|GQvov, mnR k‡Z© AwaK cÖvwZôvwbK Avw_©K myweav wbwðZ Ki‡Z evsjv‡`k e¨vsK KZ©„KGmGgB Lv‡Zi Rb¨ e¨vsK¸‡jv‡Z ‘dedicated deskÕ Pvjy, GmGgB mvwf©m †m›Uvi †Lvjv, bvix D‡`¨v³v‡`i R‡b¨ we‡kl myweav cÖeZ©bmn eûgyLx c`‡¶c MÖnY Kiv n‡q‡Q| wKš‘, ev¯—eZvn‡”Q G Lv‡Z Kvw•¶Z Dbœqb nqwb|

ˆewk¦K g›`vi †cÖ¶vc‡U cwiewZ©Z cwiw¯’wZ‡Z cÖe„w× cÖwμqvq †`‡ki Rb‡Mvôxi me †kÖYxi Aš—f©yw³ (inclusiveness) we¯—„Z Kivi cÖ‡qvR‡b G hveZ evRvi e¨e¯’vi AcÖZyj bRi cvIqv LvZ¸‡jv, we‡kl K‡i K„wl Ges ¶z`ª I gvSvwi D‡`¨v‡Mi †¶‡Î AwaK FY m¤úªmvi‡YicÖ‡qvRb Abyf~Z n‡”Q| m½ZKvi‡Y, GmGgB Lv‡Zi AwaKZi Dbœq‡bi j‡¶¨ B‡Zvg‡a¨evsjv‡`k e¨vs‡Ki cÖavb Kvh©vj‡q ÔGmGgB I †¯úkvj †cÖvMÖvgm& wefvMÕ bv‡g GKwU bZyb wefvM †Lvjv n‡q‡Q, hv m¤ú~Y©fv‡e GmGgB Lv‡Zi Dbœq‡b bxwZ wba©viY, gwbUwis I Znwej mieivn Ki‡e Ges D‡`¨v³v MVb I Dbœqb Kg©m~wP‡Z mnvqZvKvixi f~wgKv cvjb Ki‡e |

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G wefvM KZ„©K e¨vsK I Avw_©K cÖwZôvbmg~‡ni Abymi‡Yi R‡b¨ M„nxZ/M„nxZe¨ Kg©m~wP wbæiƒc t

� GmGgB LvZ‡K A_©‰bwZK Dbœq‡bi Ab¨Zg G‡RÛv we‡ePbvq 2010 mvj †_‡K cÖ_gev‡iig‡Zv e¨vsK I Avw_©K cÖwZôvbmg~n KZ©„K GmGgB FY weZi‡Yi wb‡`©wkZ j¶¨gvÎv(indicative target) wba©viY Kiv n‡q‡Q| wba©vwiZ G j¶¨gvÎv Abyhvqx ¶z`ª, gvSvwi I gwnjv D‡`¨v³vwfwËK GmGgB FY weZiY Ki‡Z n‡e|

� e¨vsK I Avw_©K cÖwZôvb¸‡jv G †¶‡Î Gwiqv G‡cÖvP wfwˇZ Zv‡`i wb‡`©wkZ j¶¨gvÎv‡KkvLvIqvix, †RjvIqvix Ges LvZIqvix wefvRbc~e©K Zv c„_K c„_Kfv‡e AR©‡bi cÖ‡PóvMÖnY Ki‡e|

� ¶z`ª I gvSvwi D‡`¨v³v‡`i myweav‡_© cÖwZwU e¨vsK/Avw_©K cÖwZôvb G Lv‡Z A_©vq‡b Avjv`v e¨emvwqK †KŠkj (business strategy) †bqvmn FY gÄywi cÖwμqv `ª“Z I mnRxKiYv‡_©`wjjvw` m¤úv`‡b h_vm¤¢¢e ¯^í AvbyôvwbKZv AbymiY Ki‡e|

� gvSvwi G›UvicÖvB‡Ri †P‡q ¶z`ª D‡`¨v³v‡`i R‡b¨ FY weZi‡Y AMÖvwaKvi w`‡Z n‡e|

� ¶z`ª D‡`¨v³v Lv‡Z F‡Yi mxgv $ 50,000/- n‡Z $ 50,00,000/- wba©vwiZ _vK‡e|

� †`‡ki wkí Dbœq‡b bvix D‡`¨v³v‡`i AskMÖnY e„w× Ges AwaK msL¨K bvix D‡`¨v³v‡`ie¨emvwqK Kg©KvÊ cwiPvjbvi R‡b¨ FY cÖvwß wbwðZ Ki‡Z bvix D‡`¨v³v‡`i GmGgB FY weZi‡Y AMÖvwaKvi w`‡Z n‡e|

� ¶z`ª I gvSvwi gwnjv wkí D‡`¨v³v‡`i mKj ai‡bi FY Av‡e`bcÎmg~n e¨vsK/Avw_©KcÖwZôvb m‡e©v”P AMÖvwaKvi wfwˇZ MÖnY I wb®úwË Ki‡e Ges Av‡e`b cÖvwßi ZvwiL n‡ZGKwU †hŠw³K mg‡qi g‡a¨ A_©vqbKvix cÖwZôvb KZ©„K Zv wb®úwË Ki‡Z n‡e|

� cÖwZwU e¨vsK I Avw_©K cÖwZôvb Avewk¨Kfv‡e ¯^Zš¿ ‘Women Entrepreneur’s dedicated desk’ ¯’vcb I Zv‡Z cÖ‡qvRbxq Dchy³ Rbej wb‡qvM K‡i Zv‡`i‡K GmGgB Lv‡ZA_©vq‡b mnvqK I cÖ‡qvRbxq cÖwk¶‡Yi e¨e¯’v MÖnY Ges D³ ‘dedicated desk’ Gi cÖavbwn‡m‡e m¤¢e n‡j Ôbvix Kg©KZ©vÕ wb‡qvM Ki‡e| GB Kg©m~wP Rvwii `yB gv‡mi g‡a¨kvLvIqvix ‘Women Entrepreneur’s dedicated desk’ Gi ZvwjKv G wefv‡M †cÖiY Ki‡Zn‡e|

� evsjv‡`k e¨vs‡Ki cybtA_©vqb ¯‹x‡gi AvIZvq e¨vsK I Avw_©K cÖwZôvb¸‡jv gwnjvD‡`¨v³v‡`i e¨w³MZ M¨vivw›U‡K RvgvbZ wn‡m‡e we‡ePbv K‡i 25.00 (cuwPk) j¶ UvKv ch©š— cÖ`Ë FY myweav mnvqK RvgvbZ e¨wZ‡i‡K cÖ`vb Ki‡Z cvi‡e| G †¶‡Î MÖ“cRvgvbZ ev mvgvwRK RvgvbZ MÖn‡Yi welqwU e¨vsK we‡ePbv Ki‡e|

� GmGgB Lv‡Z FY weZi‡Yi j¶¨gvÎv AR©‡bi mdjZv‡K mswk-ó e¨vs‡Ki bZyb kvLv †Lvjvi†¶‡Î Ab¨Zg BwZevPK gvcKvwV wn‡m‡e we‡ePbv Kiv n‡e| D‡j-L¨, GmGgB I K„wlib¨vq A_©bxwZi AMÖvwaKvi Lv‡Zi A_©vq‡b e¨vsK¸‡jv‡K AwaKZi m¤ú„³ Kivi j‡¶¨2010 mvj †_‡K ÔGmGgB mvwf©m †m›UviÕ Gi cwie‡Z© ÔGmGgB/K„wl kvLvÕ bv‡ge¨vsK¸‡jv‡K jvB‡mÝ Bmy¨ Kiv n‡e|

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� GmGgB F‡Yi Ici e¨vsKmg~n wb‡RivB mswk-ó LvZ/DcLv‡Z F‡Yi my‡`i nvi wba©viYKi‡e| Z‡e, ¶z`ª I gvSvwi D‡`¨v³v ch©v‡q cÖ‡hvR¨ GmGgB F‡Yi Dc-LvZIqvix my‡`invi mswk-ó e¨vsK¸‡jv AbwZwej‡¤^ evsjv‡`k e¨vsK‡K AewnZ Ki‡e| e¨vsK †i‡U M„nxZcybtA_©vqbK„Z Znwej MÖvnK ch©v‡q (bvix D‡`¨v³vi †¶‡Î) e¨vsK †iU + 5% my` nv‡iweZiY wbwðZ Ki‡Z n‡e|

� D‡`¨v³v‡`i cÖwk¶‡Yi e¨e¯’v Ki‡Z n‡e|

3. GmGgB Gi msÁv t ¶z`ª I gvSvwi D‡`¨v‡Mi eZ©gvb cÖPwjZ msÁvwU †eUvi weR‡bm †dvivg KZ©„K mycvwikK…Z Ges

miKv‡ii wkí gš¿Yvjq I evsjv‡`k e¨vsK Zv Awfbœ msÁv wn‡m‡e Pvjy K‡i‡Q| wb‡æ ¶z`ª I gvSvwi D‡`¨v‡Mi msÁvi wbqvgK¸‡jv †`qv nÕj t

3.1. ¯§j G›UvicÖvB‡Ri msÁv t

¯§j G›UvicÖvBR ej‡Z Ggb cÖwZôvb‡K eySv‡e hv †Kvb cvewjK wjwg‡UW †Kv¤úvbx bq Ges wb‡æv³ wbqvgK¸‡jv c~iY K‡i t

3.2. wgwWqvg G›UvicÖvB‡Ri msÁv t

gvSvwi G›UvicÖvBR ej‡Z Ggb cÖwZôvb‡K eySv‡e hv †Kvb cvewjK wjwg‡UW †Kv¤úvbxbq Ges wb‡æv³ wbqvgK¸‡jv c~iY K‡i t

4. GmGgB F‡Yi j¶¨gvÎv tGmGgB LvZ‡K A_©‰bwZK Dbœq‡bi Ab¨Zg G‡RÛv we‡ePbvq 2010 mvj †_‡K cÖ_gev‡ii

g‡Zv e¨vsK I Avw_©K cÖwZôvbmg~n KZ©„K me©‡gvU 23,995 (†ZBk nvRvi bqkZ cuPvbeŸB) †KvwUUvKvi GmGgB FY weZi‡Yi j¶¨gvÎv wba©viY Kiv n‡q‡Q| wba©vwiZ G j¶¨gvÎv Abyhvqx ¶y`ª, gvSvwi I gwnjv D‡`¨v³vwfwËK GmGgB FY weZiY Ki‡Z n‡e| fwel¨‡Z e¨vsK I Avw_©K cÖwZôvbmg~n‡KZv‡`i ¶z`ª I gvSvwi D‡`¨v³vwfwËK LvZIqvix Ges AÂj Ges kvLvIqvix j¶¨gvÎv cÖYqbc~e©K G wefv‡M Ges evsjv‡`k e¨vs‡Ki mswk-ó kvLv Awd‡m †cÖiY Ki‡Z n‡e|

μwgKbs

LvZ f~wg I BgviZ e¨ZxZ ’vqx m¤ú‡`icwigvY

Kg©iZ †jvKej (Ab~aŸ©)

K) †mev LvZ 50,000-50,00,000 25 RbL) e¨emv LvZ 50,000-50,00,000 25 RbM) wkí LvZ 50,000-1,50,00,000 50 Rb

μwgKbs

LvZ f~wg I BgviZ e¨ZxZ ¯’vqx m¤ú‡`icwigvY

Kg©iZ †jvKej (Ab~aŸ©)

K) †mev LvZ 50,00,000-10,00,00,000 50 RbL) e¨emv LvZ 50,00,000-10,00,00,000 50 RbM) wkí LvZ 1,50,00,000-20,00,00,000 150 Rb

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e¨vsK I Avw_©K cÖwZôvbmg~n KZ©„K wba©vwiZ GmGgB F‡Yi j¶¨gvÎvi we¯—vwiZ weeiY ms‡hvRbx ÔKÕ†Z mwbœ‡ek Kiv n‡jv |

5. Gwiqv G‡cÖvP c×wZi e¨envi tK„wl F‡Yi g‡Zv GmGgB Lv‡Zi R‡b¨I area approach c×wZ e¨envi Kiv n‡e| AÂjwfwËK

wkí Drcv`b, wk‡íi aib A_©vr †h GjvKv †h wk‡íi R‡b¨ weL¨vZ ev †fŠ‡MvwjK Kvi‡Y †h GjvKvq †hwkí M‡o D‡V‡Q, †m GjvKvi e¨vsK kvLv¸‡jv H wkí¸‡jv‡K ¸i“Z¡ w`‡q Area approach c×wZ‡ZGmGgB FY weZiY Ki‡e| GmGgB Lv‡Z A_©vq‡bi R‡b¨ cluster-based approach e¨vsK¸‡jvi ¯^-¯^Lv‡Z SuywK we‡k-lY Ges wbweo gwbUwis Gi †¶‡Î mnvqK n‡e| G j‡¶¨, AvBGdwm-GmBwWGd KZ©„KwPwýZ nvjKv cÖ‡KŠkj Gi cluster (ms‡hvRbx ÔLÕ) Ges evsjv‡`k e¨vs‡Ki kvLv Awdm¸‡jv KZ„©K(¯’vbxq e¨vsKvi‡`i mv‡_ Av‡jvPbvc~e©K) cÖYxZ Dc‡RjvIqvix GmGgB Gi m¤¢vebvgq LvZ¸‡jviZvwjKv GZ`&m‡½ mshy³ Kiv n‡jv (ms‡hvRbx ÔMÕ)|

6. K¬v÷vi †W‡fjc‡g›U cwjwm tGmGgB Lv‡Zi weKv‡k e¨vsK/Avw_©K cÖwZôvb¸‡jv cluster development policy MÖnY K‡i

evsjv‡`k e¨vsK‡K AewnZ Ki‡e| G ai‡bi cwjwm MÖn‡Yi †¶‡Î Ab¨ e¨vsK¸‡jvi mn‡hvwMZv A_ev Ab¨ e¨vsK Ges Avw_©K cÖwZôvb¸‡jvi mn‡hvwMZv A_ev Ab¨ e¨vsK, Avw_©K cÖwZôvb Ges GbwRI¸‡jvi mnvqZv †bqv †h‡Z cv‡i| cluster development policy MÖn‡Yi D‡Ïk¨ n‡jv we`¨gvbcluster ¸‡jv‡K kw³kvjxKiY, we‡kl we‡kl †¶‡Î bZyb bZyb cluster Dbœqb, cÖhyw³MZ DbœwZ I cÖmv‡ii gva¨‡g †UKmB I cÖwZ‡hvwMZvg~jK myweavi Dbœqb, D‡`¨v³v‡`i `¶Zvi Dbœqb, FY SuywK n«vmKiY, Ges mvgwMÖKfv‡e †cÖvWv± †W‡fjc‡g›U n‡Z ïi“ K‡i †cÖvWv± gv‡K©wUs ev wecY‡b mnvqZv Kiv|

cluster development †KŠkj wbæiƒc n‡Z cv‡i t

- cluster wPwýZKiY;

- cluster development KwgwU MVb;

- base-line survey I diagnostic study cwiPvjbv;

- Kg©cš’v wba©viY;

- Kg©cš’v ev¯—evqb;

- ch©v‡jvPbv I cwiex¶Y (review and monitoring)|

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7. GmGgB Lv‡Z A_©vqb tGmGgB Lv‡Zi Dbœq‡bi Rb¨ A_©vq‡bi my‡hvM (access to finance) LyeB ¸i“Z¡c~Y©| A‡bK

mgq D‡`¨v³viv D”P my` nv‡ii mgm¨v Zy‡j a‡ib| wbtm‡›`‡n GwU ¸i“Z¡c~Y© mgm¨v| Z‡e my‡`i nv‡ii†P‡q A_©vq‡bi cÖvc¨Zv Ges cwigvY AwaKZi ¸i“Z¡c~Y©| †m Kvi‡YB GmGgB Lv‡Zi FY‡K Av‡ivmnRjf¨ Kivi cÖ‡Póvq evsjv‡`k e¨vsK A½xKvive×|

GmGgB Lv‡Zi Dbœq‡bi j‡¶¨ evsjv‡`k e¨vsK, AvBwWG I GwWwe Znwej n‡Z myj‡f A_©vrcybtA_©vqb ¯‹x‡g A_©vqb Kiv n‡”Q| D³ wZbwU N~Y©vqgvb (revolving fund) Znwej †_‡K 31.12.2009 ZvwiL ch©š— me©‡gvU 918 †KvwU UvKvi wecix‡Z wW‡m¤^i 2009 ch©š— 14,122wU D‡`¨v³v cÖwZôvb‡K 1432.00 †KvwU UvKv cybtA_©vqb myweav cÖ`vb Kiv n‡q‡Q| GQvov, bZyb K‡iGwWwe †_‡K cÖvße¨ A‡_©i m‡½ Av‡iv A_© †hvM K‡i evsjv‡`k e¨vsK KZ„©K 660 †KvwU UvKvi GKwU ewa©Z cybtA_©vqb Kg©m~wP Lye wkMwMiB Pvjy Kiv n‡e|

8. ¶z`ª D‡`¨v³v‡`i AMÖvwaKvi t†`‡k GmGgB D‡`¨vM/D‡`¨v³vi g‡a¨ ¶z`ª D‡`¨v‡MiB Kg©ms¯’vb m„wó/†eKviZ¡ jvNe I

A_©‰bwZK cÖe„w× AR©‡bi m¤¢vebv †ewk| G †cÖw¶‡Z e¨vsK¸‡jv KZ©„K GmGgB Lv‡Z weZi‡Yi j‡¶¨w¯’ixK…Z j¶¨gvÎvi Ab~¨b 40% ¶z`ª D‡`¨v³v‡`i Rb¨ wba©viY Ki‡Z n‡e Ges Aewkó A_© gvSvwi D‡`¨v³v‡`i Rb¨ e¨envi Ki‡Z n‡e|

9. wkí (g¨vbyd¨vKPvwis) I mvwf©m Lv‡Z cybtA_©vq‡b AMÖvwaKvi t evsjv‡`k e¨vs‡Ki cybtA_©vqb Kg©m~wPi AvIZvq e¨emv Lv‡Zi †P‡q wkí I mvwf©m Lv‡Z

AMÖvwaKvi cÖ`vb Kiv n‡”Q| wkí I mvwf©m Lv‡Z cybtA_©vqb `vwei 100% cybtA_©vqb Kiv n‡q_v‡K| Kg©ms¯’vb I Drcv`b e„wׇZ mnvqK cwi‡ek m„wói j‡¶¨ G bxwZgvjv Ae¨vnZ _vK‡e|

10. bvix D‡`¨v³v‡`i R‡b¨ we‡kl Kg©m~wP tevsjv‡`‡ki †gvU RbmsL¨vi cÖvq 50 kZvskB bvix| RbmsL¨vi G KvVv‡gvi Kvi‡Y †UKmB

A_©‰bwZK cÖe„w×i R‡b¨ A_©bxwZi g~j †mªv‡Z bvix‡`i AskMÖnY GKvš—fv‡eB Acwinvh©| †`‡ki `vwi`ª¨n«vmKi‡Yi j¶¨gvÎv AR©‡bi mv‡_I welqwU A½vw½fv‡e RwoZ| wKš‘ cÖvwZôvwbK A_©‰bwZK Lv‡Zbvix‡`i AskMÖn‡Yi gvÎv GLbI AcÖZyj Ges bvix D‡`¨v³v‡`i nvi cyi“l‡`i Zyjbvq GLbI A‡bKKg| A_©bxwZi g~j‡mªv‡Z bvix‡`i AskMÖn‡Y †ek wKQy evav weivRgvb i‡q‡Q| A_P, Avgv‡`i bvix mgv‡Ri wbôv, Awfwb‡ek, D™¢¢veb kw³ I kªg wbcyYZv Avgv‡`i‡K wew¯§Z K‡i| we‡kl K‡i gvB‡μv†μwWU Kvh©μg I †cvkvK wk‡í bvix‡`i Ae¨vnZ AskMÖnY wkívq‡b cÖf~Z f~wgKv ivL‡Q| GKBfv‡eevsjv‡`‡ki A_©bxwZi weKv‡k bvix D‡`¨v³v‡`i‡K GmGgB Lv‡Z AwaKZi AskMÖnY Acwinvh©|

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¶z`ª I gvSvwi D‡`¨v‡M (GmGgB) bvix D‡`¨v³v‡`i R‡b¨ mnRk‡Z© AwaK cÖvwZôvwbK I Avw_©K myweav wbwðZ Ki‡Z evsjv‡`k e¨vsK B‡Zvg‡a¨ †ekwKQy c`‡¶c I e¨vsK/Avw_©KcÖwZôvbmg~‡ni R‡b¨ AbymiYxq bxwZgvjv Rvwi K‡i‡Q| †hgb t

K) †`‡ki wkí Dbœqb‡K mylg I msMwVZ Kivi j‡¶¨ GmGgB Lv‡Z gwnjv D‡`¨v³v‡`iR‡b¨ mnR k‡Z© AwaKZi cÖvwZôvwbK FY myweav wbwðZ Ki‡Z evsjv‡`k e¨vsK KZ„©KcybtA_©vqb ¯‹x‡gi mgy`q A‡_©i b~¨bZg 15% eivÏ ivLv n‡q‡Q|

L) G FY cÖvwßi †¶‡Î bvix D‡`¨v³v‡`i R‡b¨ e¨vsK †iU (eZ©gv‡b 5%) + 5% A_©vr10% my` nvi cÖ‡hvR¨ n‡e|

M) ¶y`ª I gvSvwi gwnjv D‡`¨v³v‡`i mKj ai‡bi FY Av‡e`bcÎ e¨vsK/Avw_©K cÖwZôvbm‡e©v”P AMÖvwaKvi wfwˇZ MÖnY I wb®úwË Ki‡e|

N) A_©vqbKvix e¨vsK I Avw©_©K cÖwZôvb¸‡jv bvix D‡`¨v³v‡`i myweavw`i wel‡q mKj cÖKvicÖPvi gva¨‡g cÖPv‡ii cÖ‡qvRbxq e¨e¯’v MÖnY Ki‡e|

O) cybtA_©vqb Znwe‡ji wecix‡Z FYMÖnxZv bvix n‡j ev FYMÖnxZv cÖwZôv‡bi gvwjKvbv msL¨vMwiô Ask bvix D‡`¨v³vi n‡j e¨vsK I Avw_©K cÖwZôvb¸‡jv ïaygvÎ e¨w³MZRvgvb‡Zi wecix‡Z m‡e©v”P 25.00 (cuwPk) j¶ UvKv ch©š— FY myweav cÖ`vb Ki‡Zcvi‡e|

P) A_©vqbKvix e¨vsK/Avw_©K cÖwZôvbmg~n Zv‡`i wbe©vwPZ kvLvmg~‡n bvix D‡`¨v³v‡`i Rb¨we‡kl civgk© I †mev †K›`ª ¯’vcb Ki‡e Ges bvix D‡`¨v³v‡`i mv‡_ †mev-evÜe AvPiY wbwðZ Ki‡e|

10.1. cÖK„Z bvix D‡`¨v³v wPwýZKiY tcÖK„Z bvix D‡`¨v³v wPwýZ Kivi R‡b¨ evsjv‡`k ¶z`ª I KywUi wkí K‡c©v‡ikb

(wewmK), GmGgB dvD‡Ûkb, Ab¨vb¨ †ckvRxex msMVb †hgb, n¨vÛjyg/n¨vwÛμ¨vdUmG‡mvwm‡qkb/gwnjv mwgwZ, wewfbœ bvix D‡`¨v³v msMVb †hgb, evsjv‡`k DBg¨vb †P¤^viAe Kgvm© GÛ BÛvw÷«R (BWCCI)/PÆMÖvg DBg¨vb †P¤^vi Ae Kgvm© GÛBÛvw÷ªR/DBg¨vb G›Uvi‡cÖbvm© G‡mvwm‡qkb Ae evsjv‡`k (WEAB)/evsjv‡`k†nvgIqvK©vm© DBg¨vb G‡mvwm‡qkb (BHWA)/b¨vkbvj G‡mvwm‡qkb Ae ¯§j GÛ K‡URBÛvw÷«R Ae evsjv‡`k (NASCIB) BZ¨vw` cÖwZôv‡bi mn‡hvwMZv MÖnY Kiv †h‡Z cv‡i|

11. RvgvbZ (collateral) tGmGgB F‡Yi cÖmv‡i ¶z`ª D‡`¨v³v‡`i Rvgvb‡Zi Afve‡K Ab¨Zg evav wn‡m‡e MY¨ Kiv nq|

K„wl F‡Yi †¶‡Î eM©vPvlx‡`i‡K RvgvbZwenxb FY cÖ`vb ïi“ n‡q‡Q| GmGgB Gi †¶‡Î we‡klZ¶z`ª I bvix D‡`¨v³v‡`i †¶‡Î RvgvbZwenxb (collateral free) FY cÖ`v‡bi †¶‡Î e¨w³MZM¨vivw›U‡K RvgvbZ wn‡m‡e we‡ePbv K‡i 25.00 (cuwPk) j¶ UvKv ch©š— cÖ‡`q FY myweav mnvqK

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RvgvbZ e¨wZ‡i‡K cÖ`v‡bi wel‡q e¨vsK/Avw_©K cÖwZôvbmg~n we‡ePbv Ki‡Z cvi‡e| cÖ‡qvRb‡ev‡amswk-ó Drcvw`Z cY¨ I hš¿vsk `vqeÜK (Products & Machinery Hypothecation) Gi wecix‡ZFY cÖ`vb Kiv hv‡e| Z‡e, 25.00 (cuwPk) j¶ UvKvi †ewk FY cÖ`v‡bi †¶‡Î RvgvbZ MÖn‡YiwelqwU e¨vsK/A_©vqbKvix cÖwZôvbmg~n wb‡RivB e¨vsK-MÖvnK m¤ú‡K©i wfwˇZ wba©viY Ki‡e|MÖvnK/D‡`¨v³v evQvB Gi †¶‡Î e¨vsK Aek¨B Zvi wbR¯^ due diligence c×wZi cÖ‡qvM Ki‡e| G †¶‡Î †K›`ªxq e¨vs‡Ki MvBWjvBb¸‡jv‡K b~¨bZg wb‡`©kbv we‡ePbv K‡i e¨vsK¸‡jv Zv‡`i wbR¯^we¯—„Z FY bxwZgvjv ˆZwi Ki‡e Ges Zv G wefvM‡K AewnZ Ki‡e| G ai‡bi bxwZgvjv cÖYq‡bi†¶‡Î MÖ“c RvgvbZ ev mvgvwRK RvgvbZ MÖn‡Yi welqwU we‡ePbv Kiv †h‡Z cv‡i|

12. Av‡e`bcÎ MÖnY I we‡ePbv tmswk-ó e¨vsK kvLv wba©vwiZ FY wbqgvPvi Abyhvqx Av‡e`bKvixi evwl©K cÖ‡qvRbxq GmGgB FY

GKKvjxb gÄyi Ki‡e| G j‡¶¨ mswk-ó kvLvmg~n ¶y`ª I gvSvwi D‡`¨v³v‡`i evwl©K cY¨ Drcv`b cwiKíbvmn Av‡e`bcÎ MÖnY Ki‡e| cÖ‡qvRb‡ev‡a, cieZ©x‡Z D‡`¨v³v‡`i evwl©K Drcv`b cwiKíbvi hyw³hy³ cwieZ©‡bi my‡hvM †`qv hv‡e|

13. †MÖm wcwiqW tGmGgB Lv‡Zi FY cwi‡kv‡ai †¶‡Î D‡`¨v³vMY cÖvqkB †MÖm wcwiqW Kg e‡j Awf‡hvM

K‡ib| e¨vsK I Avw_©K cÖwZôvb¸‡jv FY bxwZgvjv cÖYq‡bi mgq cÖ‡hvR¨‡¶‡Î GmGgB Lv‡Zhyw³m½Z †MÖm wcwiqW cÖ`v‡bi welqwU we‡ePbv Ki‡e|

14. FYMÖnxZvi †hvM¨Zv t¶y`ª I gvSvwi G›UvicÖvBR Lv‡Z mivmwi wb‡qvwRZ cÖK„Z D‡`¨v³vMY GmGgB FY cÖvwßi †hvM¨

e‡j we‡ewPZ n‡eb| mvaviYfv‡e †Ljvwc FY MÖnxZvMY bZyb FY cvevi †hvM¨ e‡j we‡ewPZ n‡eb bv|

15. GmGgB F‡Yi my` t¶y`ª I gvSvwi F‡Yi Ici e¨vsKmg~n wb‡RivB mswk-ó LvZ/DcLv‡Z F‡Yi my‡`i nvi wba©viY

Ki‡e| ¶y`ª D‡`¨v³v‡`i †¶‡Î e¨vsK¸‡jvi cwiPvjb e¨q †ewk| m½ZKvi‡Y G Lv‡Z my‡`i nvi wKQyUv †ewk n‡e| Z‡e Zv †hb mnbxq ch©v‡q _v‡K †m e¨vcv‡i e¨vsK¸‡jv‡K wb‡`©k †`qv hv‡”Q|evsjv‡`k e¨vsK KZ©„K e¨vsK I Avw_©K cÖwZôvb‡K e¨vsK †i‡U (eZ©gv‡b 5 kZvsk) GmGgB Lv‡ZcybtA_©vqb myweav cÖ`vb Kiv n‡q _v‡K| e¨vsK †i‡U M„nxZ Znwej MÖvnK ch©v‡q (gwnjv D‡`¨v³v‡`i†¶‡Î) e¨vsK †iU + 5 kZvsk my` nv‡i weZiY wbwðZ Ki‡Z n‡e |

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16. FY weZi‡Yi †¶‡Î AvDU‡mvwm©s Gi e¨envi te¨vsK/Avw_©K cÖwZôvbmg~n FYMÖnxZv wbe©vPb, FY weZiY Z`viwK, Av`vq, FY MÖnxZv‡`i‡K

DØy×KiY, cÖwk¶Y BZ¨vw`i R‡b¨ †emiKvwi ms¯’v/†emiKvwi †¯^”Qv‡mex ms¯’v (NGO)/AvZ¥-mnvqKMÖ“c (Self-Help Group) mg~‡ni mnvqZv MÖnY Ki‡Z cv‡i|

17. cÖwk¶Y Kg©m~wP tevsjv‡`‡k GmGgB LvZ weKv‡ki †¶‡Î Pvwn`v (demand) I mieivn (supply) Dfq w`‡KB

mgm¨v i‡q‡Q| Z‡e, mieivn w`‡Ki mgm¨v¸‡jv †gvKv‡ejvq GmGgB Lv‡Z cybtA_©vq‡bi R‡b¨ wZbwU ¯‹xg Pvjy i‡q‡Q Ges PjwZ eQ‡i e¨vsK I Avw_©K cÖwZôvb¸‡jvI GmGgB Lv‡Z FY weZi‡Yi wbR¯^j¶¨gvÎv wba©viY K‡i‡Q| Pvwn`v w`‡Ki we`¨gvb wewfbœ mgm¨vi g‡a¨ i‡q‡Q D‡`¨v³v‡`i Drcvw`Z cY¨ wecY‡b mgm¨v, `¶Zv I c‡Y¨i ¸YMZ gvb Dbœq‡b D‡`¨v³vM‡Yi mg¨K aviYv bv _vKv, GmGgB F‡Yi WvUv‡eBR bv _vKv BZ¨vw`| G mKj mgm¨vi mgvav‡b Avgv‡`i‡K cÖK„Z D‡`¨v³v †kªYx M‡o†Zvjvi j‡¶¨ ¶y`ª I gvSvwi D‡`¨v³v‡`i Drcvw`Z cY¨ wecY‡b evwYR¨ †gjv (trade fairs), †μZv-mieivnKvix mgš^q (buyer-supplier matching) mva‡bi e¨e¯’vKiY; c‡Y¨i ¸YMZgvb Dbœq‡biR‡b¨ Drcvw`Z cY¨ I c¨v‡KR wWRvB‡bi Dbœqb (product and package design and development), cÖhyw³MZ Dbœqb m¤úwK©Z Kg©kvjv (technology upgrading workshop), wWRvBb I KvwiMwi Z_¨vw` (design and technical information) BZ¨vw` m¤úwK©Z cÖwk¶‡Yi e¨e¯’v Kiv GKvš— cÖ‡qvRb| G j‡¶¨ evwYwR¨K e¨vsK Ges Avš—R©vwZK mnvqZv ms¯’v¸‡jv‡K entrepreneurshipdevelopment Gi R‡b¨ cÖwk¶Y Kg©m~wP Av‡qvR‡bi Aby‡iva Kiv n‡e| G ai‡bi D‡`¨v³v MV‡biKg©m~wP‡Z evsjv‡`k e¨vsKI mnvqZvKvixi f~wgKv cvjb Ki‡e| GQvov, cÖhyw³ I `¶Zvi Dbœqb Ges GmGgB gv‡K©wUs Gi Ici BBTA, BIBM, DCCI, FBCCI, NASCIB, BWCCI, SME Foundation Gi g‡Zv cÖwZôvb¸‡jv‡K cÖ‡qvRbxq cÖwk¶Y Kg©m~wP MÖnY Ki‡Z Aby‡iva Kiv n‡e| e¨vsK I Avw_©KcÖwZôvb¸‡jv G ai‡bi cÖwk¶Y Kg©m~wP ev¯—evq‡bi AMÖMwZ m¤úwK©Z Z_¨vw` Zv‡`i evwl©K cÖwZ‡e`‡bAš—fy©³ Ki‡e|

18. GmGgB FY Kvh©μg gwbUwis tGmGgB Gi †¶‡ÎI K…wl F‡Yi g‡Zv wZb ¯—iwewkó gwbUwis (evsjv‡`k e¨vs‡Ki cÖavb Kvh©vjq

ch©v‡q, evsjv‡`k e¨vs‡Ki kvLv Awdm ch©v‡q I e¨vsK ch©v‡q gwbUwis) KvVv‡gv M‡o ‡Zvjv n‡e|

18.1. GmGgB FY gwbUwis Gi D‡Ïk¨ t

K) mvgwMÖKfv‡e GmGgB FY weZi‡Yi j¶¨gvÎv AR©b;

L) wkívq‡b LvZwfwËK Dbœqb †hgb-wkí I †mev Lv‡Zi AwaK cÖmvi, bvix D‡`¨v³v‡`i msL¨v e„w× I Dbœqb, †RjvwfwËK Kg©ms¯’vb m„wó I `vwi`ª¨ we‡gvPb;

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M) ¶y`ª D‡`¨v³viv hv‡Z nqivwbgy³fv‡e cÖ‡qvRbxq cwigvY FY cvq;

N) e¨vsK¸‡jv bvix D‡`¨v³v‡`i‡K cÖ‡qvRbxq FY cÖ`vb Ki‡Q wKbv †m e¨vcv‡i

we‡kl `„wó cÖ`vb;

O) Gwiqv G‡cÖvP Ges K¬v÷viwfwˇZ FY cÖ`v‡bi e¨e¯’v wbwðZKiY;

P) Zvij¨ msKU †gvKv‡ejvq G Lv‡Z cÖ`Ë F‡Yi m‡š—vlRbK Av`vq;

Q) Ab¨vb¨ |

18.2. GmGgB FY gwbUwis c×wZ t

†K›`«xq e¨vs‡Ki cÖavb Kvh©vj‡q gwbUwis t

¶y`ª I gvSvwi D‡`¨v³v‡`i ¯^v‡_© M„nxZ GmGgB FY bxwZgvjv ev¯—evq‡b †K›`ªxqe¨vs‡Ki gwbUwis Kvh©μg‡K AviI Kvh©Ki Ki‡Z evsjv‡`k e¨vs‡Ki D‡`¨v‡M e¨vcKgwbUwis †KŠkj/c×wZ Aej¤^b Kiv n‡”Q| B‡Zvg‡a¨ evsjv‡`k e¨vs‡Ki D‡`¨v‡MGmGgB I †¯úkvj †cÖvMÖvgm& wefv‡M GKwU ÔGmGgB FY gwbUwis †mjÕ MVb Kiv n‡q‡Q| GmGgB FY bxwZgvjvi Afxó j¶¨ AR©‡b D³ †mj gvV ch©v‡q GmGgB FY e¨e¯’vcbvi wel‡q e¨vcK gwbUwis Ki‡e| GmGgB FY msμvš— AdmvBU I AbmvBU mycviwfkb QvovI D³ †mj GZ`&msμvš— Awf‡hv‡Mi e¨vcv‡i Z`š— mv‡c‡¶ cÖ‡qvRbxqe¨e¯’v MÖnY Ki‡e|

Z_¨/weeiYx mieivn t

evwl©K GmGgB FY Kg©m~wP ev¯—evq‡bi AMÖMwZ ch©v‡jvPbv Kivi R‡b¨ mswk-óe¨vsK/A_©vqbKvix cÖwZôvb evsjv‡`k e¨vs‡Ki Pvwn`v †gvZv‡eK GmGgB FY msμvš—wbfy©j Z_¨/weeiYx ˆÎgvwmK wfwˇZ GZ`&m‡½ mshy³ QK (ms‡hvRbx ÔNÕ I ÔOÕ)Abyhvqx cieZ©x gv‡mi 15 (c‡bi) Zvwi‡Li g‡a¨ mieivn Ki‡e| GQvov, we`¨gvbweeiYxmg~n evsjv‡`k e¨vs‡K mieivn Kivi cÖPwjZ e¨e¯’v Ae¨vnZ _vK‡e |

†K›`«xq e¨vs‡Ki kvLv Awdm ch©v‡q gwbUwis t

cÖavb Kvh©vj‡qi g‡Zv evsjv‡`k e¨vs‡Ki kvLv Awdm¸‡jv‡ZI GmGgB FY gwbUwis †mj MVb Kiv n‡e| D³ †mj ¯^-¯^ GjvKvi AvIZvaxb e¨vsK/Avw_©K cÖwZôvb¸‡jviGmGgB FY weZiY I Av`vq Kvh©μg wbweofv‡e gwbUwis Gi R‡b¨ Kvh©Ki e¨e¯’v MÖnYKi‡e|

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e¨vsK ch©v‡q gwbUwis t

GmGgB FY bxwZgvjv I FY wbqgvPvi Abyhvqx cÖK„Z D‡`¨v³vivB hv‡Z mgqgZ GmGgB FY cvb, FY †c‡Z hv‡Z †Kv‡bv nqivwbi wkKvi n‡Z bv nq Ges GmGgB F‡Yi wba©vwiZ j¶¨gvÎv hv‡Z cy‡ivcywi AR©b Kiv m¤¢e nq †m R‡b¨ mswk-óe¨vsKmg~n‡K Kvh©Ki gwbUwis e¨e¯’v wbwðZ Ki‡Z n‡e| G j‡¶¨ ¯^-¯^ e¨vsK gwbUwis BDwbU MVb K‡i evsjv‡`k e¨vsK‡K AewnZ Ki‡e|

e¨vsKmg~‡ni cÖavb Kvh©vj‡q gwbUwis t

K) e¨emvwqK †KŠkj (Business Strategy) Gi Ask wn‡m‡e GmGgB FY weZi‡Ye¨vsK¸‡jvi EaŸ©Zb KZ„©c‡¶i my¯úó iƒcKí I wb‡`©kbv (clear vision and direction) _vK‡Z n‡e|

L) FY cÖ`v‡bi welqwU mvaviYfv‡e FYcÖ`vbKvix e¨vs‡Ki wePvh© welq| FY cÖvwßi†hvM¨Zv (credit worthiness) I Ab¨vb¨ welqvejx we‡ePbv K‡iB e¨vsK¸‡jvMÖvn‡Ki AbyK~‡j FY gÄyi K‡i _v‡K| cÖPwjZ FY wbqgvPvi †g‡bB GmGgB FY gÄywi I weZi‡Y AwaKZi wbôv, `¶Zv I MwZkxjZv Avbq‡b e¨vsK¸‡jv wb‡æv³e¨e¯’vw` MÖnY Ki‡e t

- GmGgB F‡Yi Av‡e`b dig mnRxKiY;

- Av‡e`b dig c~iYmn Avbylw½K Kv‡R hv‡Z Kvj‡¶cY bv nq †mR‡b¨ Av‡e`b dig MÖn‡Yi mgqB MÖvnK‡K mKj wb‡`©kbv cÖ`vb;

- mnvqK †Kvb Z‡_¨i cÖ‡qvRb n‡j GKwU gvÎ ˆeV‡KB mKj Z_¨ MÖvnK‡KRvbv‡bv;

- Av‡e`bcÎ cÖvwßi ci FY gÄywi I weZi‡Yi g‡a¨ mg‡qi e¨eavb †hŠw³KxKiY;

- Av‡e`bKvix †Ljvwc FYMÖnxZv wKbv Zv wbwðZ nIqvi R‡b¨ e¨vsK/Avw_©KcÖwZôvb KZ„©K evsjv‡`k e¨vs‡Ki †μwWU Bbdi‡gkb ey¨‡iv‡Z (wmAvBwe) Z_¨msMÖ‡ni R‡b¨ †hb Kvj‡¶cY bv nq †mR‡b¨ Aby‡ivac‡Î ÒGmGgB,AMÖvwaKviÓ wjwLZ mxj cÖ`vb Ki‡e Ges evsjv‡`k e¨vs‡Ki wmAvBwe AMÖvwaKvi wfwˇZ (b~¨bZg mg‡qi g‡a¨) FY Z_¨ mieivn Ki‡e; I

- MÖvn‡Ki †Kvb Awf‡hvM _vK‡j Zv `ª“Z wb®úwËi e¨e¯’vKiY |

M) GmGgB FY weZiY Kvh©μg gwbUwis, bZyb bZyb c`‡¶c MÖnY Ges gvV ch©v‡qD™¢~Z mgm¨vi `ª“Z mgvav‡b c`‡¶c MÖn‡Yi R‡b¨ †Kvi MÖ“c ev †mj _vK‡e|

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N) evwl©K/lvb¥vwmK wfwˇZ AbywôZe¨ e¨e¯’vcK‡`i m‡¤§j‡b GmGgB FY msμvš—wbw`©ó G‡RÛv _vK‡Z cv‡i|

O) GmGgB FY weZiY I Av`v‡qi mvd‡j¨i wfwˇZ AvÂwjK/kvLv ch©v‡qi Kg©KZ©v‡`i cyi¯‹„Z Kivi e¨e¯’v ivLv †h‡Z cv‡i|

P) GmGgB F‡Yi m‡½ mswk-ó Kg©KZ©vM‡Yi m¶gZv M‡o (capacity building) †Zvjvi R‡b¨ cÖ‡qvRbxq cÖwk¶‡Yi e¨e¯’v Kiv †h‡Z cv‡i|

Q) AvÂwjK Kvh©vjq I kvLv¸‡jvi Kvh©μg wbweofv‡e cwiex¶‡Yi R‡b¨ AvaywbK Z_¨cÖhyw³ we‡kl K‡i †gvevBj †dvb, B-‡gBj BZ¨vw`i e¨envi wKfv‡e e„w× Kiv hvq †m wel‡qI cÖ‡qvRbxq e¨e¯’v MÖnY Ki‡Z n‡e|

e¨vsKmg~‡ni AvÂwjK Kvh©vj‡q gwbUwis Kvh©μg t

K) kvLv ch©v‡q GmGgB FY weZiY Kvh©μg myôyfv‡e ev¯—evqb n‡”Q wKbv Zv AvÂwjKKvh©vjq ch©v‡q gwbUi Ki‡Z n‡e| GZ`&D‡Ï‡k¨ AvÂwjK Kvh©vj‡q GmGgB FY gwbUwis BDwbU MVb Kiv †h‡Z cv‡i| gwbUwis BDwb‡Ui m`m¨e„›` Zv‡`i ¯^-¯^AvIZvaxb GjvKvq mgq mgq Mgb K‡i j¶¨gvÎv Abyhvqx GmGgB FY weZiY Kiv n‡”Q wKbv Zv ch©‡e¶Y Ki‡Z cv‡ib|

L) AvÂwjK Kvh©vjq¸‡jv e¨vs‡Ki EaŸ©Zb KZ„©c¶ I kvLv¸‡jvi g‡a¨ mgš^‡qi`vwqZ¡ cvjb Ki‡e|

M) wbqwgZ gwbUwis Gi R‡b¨ e¨vsK¸‡jvi AvÂwjK Kvh©vjq/gwbUwis BDwb‡UiKg©KZ©vMY Zv‡`i Aaxb kvLvmg~‡ni Kg©KZ©v‡`i wb‡q mgq mgq mfv Ki‡eb,GmGgB FY MÖn‡Y”QyK D‡`¨v³vMY FY MÖnYKv‡j hv‡Z Ah_v nqivwbi wkKvi bv nb †m wel‡q mgq mgq kvLv ch©v‡q Mgb K‡i Z`viwK Ki‡Z cv‡ib, GmGgB FY msμvš— †Kvb Awf‡hvM AewnZ n‡q _vK‡j Zv Zvr¶wYKfv‡e wb®úwËKi‡eb, kvLv‡K cÖ‡qvRbxq w`K-wb‡`©kbv Ges kvLvi we`¨gvb mgm¨vmg~n mgvav‡b mnvqZv Ki‡eb|

e¨vsK kvLv ch©v‡q M„nxZe¨ Kvh©μg t

GmGgB FY weZiY Kg©m~wPi wmsnfvM mvdj¨ wbf©i Ki‡Q e¨vsK kvLv¸‡jvi mvd‡j¨i(performance) Ici| d‡j kvLv¸‡jv‡K GmGgB FY gÄywi I weZi‡Yi †¶‡ÎMwZkxj f~wgKv cvjb Ki‡Z n‡e| GmGgB FY weZiY I Av`v‡qi †¶‡Î e¨vsKkvLv¸‡jv wbæiƒc Kvh©μg m¤úv`b Ki‡e t

K) kvLv e¨e¯’vcKMY KZ©„K gvV ch©v‡q GmGgB F‡Yi Pvwn`v I FY weZi‡Yi scopeg~j¨vqb/wba©viY| G‡¶‡Î ¯’vbxq m¤¢vebvgq LvZmg~‡n FY weZi‡Yi e¨e¯’vKiY;

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L) cÖ‡Z¨K e¨vsK kvLv n‡Z ¶y`ª bvix D‡`¨v³v Lv‡Z GmGgB FY cÖ`v‡bi we‡klD‡`¨vM MÖnY;

M) D`¨gx I mdj ¶y`ª D‡`¨v³vMY‡K Lyu‡R †ei K‡i Zv‡`i‡K FY Kvh©μ‡gi mv‡_m¤ú„³KiY;

N) GmGgB FY msμvš— cÖ‡qvRbxq/e¨vcK cÖPv‡ii gva¨‡g D‡`¨v³v‡`i DØy×KiY;

O) AvMÖnx I †hvM¨/cÖK„Z D‡`¨v³vMY‡K mn‡R Ges mgqgZ ¯^”Q cÖwμqvq GmGgB FY cÖ`v‡bi e¨e¯’v MÖnY;

P) weZiYK„Z F‡Yi mبenvi hvPvBKiY;

Q) GmGgB FY Av`vq Z`viwK †Rvi`viKiY|

19. GmGgB FY weZiYKv‡j MÖvn‡Ki †gvevBj †dvb b¤^i kvLv ch©v‡q msi¶Y tGmGgB FY weZiY Kvh©μ‡g gvVch©v‡q myôz gwbUwis Gi D‡Ï‡k¨ mn‡R †hvMv‡hvM ¯’vc‡bi

R‡b¨ e¨vs‡Ki kvLv ch©v‡q cÖwZwU FYMÖnxZvi bw_‡Z Zuvi †gvevBj †dvb b¤^i (wbR¯^ †dvb bv _vK‡jwbKU¯’ †Kvb cÖwZ‡ekx ev AvZ¥x‡qi †gvevBj b¤^i Aby‡iv‡a D‡j-Lc~e©K) msi¶Y Ki‡Z n‡e| GiƒcmKj GmGgB FYMÖnxZvi †dvb b¤^‡ii WvB‡i±ixI kvLv ch©v‡q msi¶Y Kiv †h‡Z cv‡i|

20. Z‡_¨i mnRjf¨Zv te¨vsK¸‡jv KZ©„K GmGgB Lv‡Z cÖ`Ë FY myweavi we¯—vwiZ Z_¨ Zv‡`i I‡qemvBU I cÖ‡Z¨K

kvLvq Rbmvavi‡Yi mn‡R `„wó‡MvPi nq Ggb ¯’v‡b cÖ`k©b (display) Ki‡Z n‡e| e¨vsK¸‡jv GmGgB Gi Ici LvZwfwËK (wkí/cY¨) FY cÖev‡ni cwimsL¨vb, Zv‡`i †Ljvwci nvi n«vm, Kg©ms¯’vb m„wóicwimsL¨vb BZ¨vw` Z_¨ msi¶Y Ki‡e| Giƒc Z_¨ miKvi KZ©„K M„nxZ we`¨gvb GmGgB bxwZgvjvi Kvh©KvwiZv cwigv‡c mnvqK f~wgKv cvjb Ki‡e Ges GKB mv‡_ fwel¨‡Z M„nxZe¨ GmGgB bxwZgvjv cÖYq‡b wbqvgK wn‡m‡e mnvqZv Ki‡e|

21. cÖ‡Yv`bv tkni GjvKvq GmGgB FY †K›`ªxf~Z bv K‡i MÖvgxY GjvKvq GmGgB Lv‡Z A_©vqb m¤cÖmvwiZ

Kiv Ges mvgwMÖKfv‡e GmGgB Lv‡Z FY weZi‡Yi j¶¨gvÎv AR©‡b mdjZv‡K mswk-ó e¨vs‡Ki bZyb kvLv †Lvjv, Aby‡gvw`Z wWjvi kvLv I we‡`‡k G·‡PÄ nvDR †Lvjvi †¶‡Î Ab¨Zg BwZevPK gvcKvwV wn‡m‡e we‡ePbv Kiv n‡e|

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22. GmGgB mvwf©m †m›Uvi tGmGgB MÖvnK‡`i AwaKZi myweav cÖ`v‡bi j‡¶¨ G ch©š— e¨vsK¸‡jvi (†emiKvwi I we‡`kx)

210wU GmGgB mvwf©m †m›Uvi Zv‡`i Kvh©μg ïi“ K‡i‡Q| GZ`&wel‡q GKwU ZvwjKv mshy³ Kiv n‡jv (ms‡hvRbx ÔPÕ)| D‡j-L¨, GmGgB I K„wl Lv‡Zi A_©vq‡b e¨vsK¸‡jv‡K AwaKZi m¤ú„³ Kivi j‡¶¨ G eQi (2010) †_‡K ÔGmGgB mvwf©m †m›UviÕ Gi cwie‡Z© ÔGmGgB/K„wl kvLvÕ bv‡ge¨vsK¸‡jv‡K jvB‡mÝ Bmy¨ Kiv n‡”Q|

23. GmGgB Gi D‡j-L‡hvM¨ LvZmg~n tGmGgB Gi D‡j-L‡hvM¨ LvZmg~‡ni GKwU ZvwjKv GZ`&m‡½ mshy³ Kiv n‡jv (ms‡hvRbx

ÔQÕ)|

24. KwZcq aviYvi (term) msw¶ß e¨vL¨v t

K¬v÷vi t

K¬v÷vi A_© n‡”Q cvi¯úwiK m¤úK©hy³, cwic~iK cY¨ ev †mev Drcv`b/mieiv‡n wb‡qvwRZcÖwZôvbmg~‡ni †fŠ‡MvwjK GjvKv/cY¨ ev †mevwfwËK mgwó| (A cluster may be defined as a local agglomeration of enterprises (mainly SMEs but often also including some large enterprises), which are producing and selling a range of related and complimentary products and/or services.) D`vniY¯^iƒc XvKvi nvRvixevM GjvKvi Pvgov I PvgovRvZ cY¨ Drcv`bKvix cÖwZôvb¸‡jvi mgwó‡K PvgovRvZ c‡Y¨i K¬v÷vi wn‡m‡eAwfwnZ Kiv nq| K¬v÷vi wPwýZKi‡Y wewfbœ d¨v±i we‡ePbv Kiv n‡q _v‡K| †hgbt- †fŠ‡MvwjK GjvKv, cY¨ ev †mev BZ¨vw`|

mvgvwRK RvgvbZ t

mvgvwRK RvgvbZ ej‡Z FY`vbKvix cÖwZôvb I FYMÖnxZvi g‡a¨ m¤úvw`Z Pzw³i AvIZvq M„nxZ F‡Yi Av`vq myi¶vi j‡¶¨ (Dfq c‡¶i wbKU MÖnY‡hvM¨) mvgvwRK †Kvb cÖwZôvb/ms¯’vi A½xKvibvgv‡K eySvq| D`vniY¯^iƒc, †Kvb e¨w³ KZ©„K M„nxZ F‡Yi wecix‡Zmswk-ó e¨emvqx msMVb (†P¤^vi Ae Kgvm© GÛ BÛvw÷ª/G‡mvwm‡qkb) KZ©„K RvgvbZ wn‡m‡ecÖ`Ë m¤ú`/A½xKvibvgv Gi welqwU‡K mvgvwRK RvgvbZ wn‡m‡e AwfwnZ Kiv †h‡Z cv‡i|

MÖ“c RvgvbZ t

MÖ“cwfwËK FY cÖ`v‡bi †¶‡Î MÖ“‡ci Aš—f©y³ †Kvb m`m¨ KZ©„K M„nxZ F‡Yi wecix‡Z mswk-óMÖ“c KZ©„K mvgwóKfv‡e cÖ`Ë RvgvbZ‡K MÖ“c RvgvbZ ejv n‡q _v‡K| Av`k©MZfv‡e G

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A½xKvibvgvi cÖ‡qvMB †ewk| G †¶‡Î MÖ“‡ci †Kvb m`m¨ †Ljvwc n‡j cy‡iv MÖ“c‡K †Ljvwcwn‡m‡e wPwýZ Kiv nq Ges FY MÖn‡Yi myweav †_‡K ewÂZ n‡q _v‡K| Gi d‡j MÖ“c m`m¨‡`iPv‡ci gy‡L †Ljvwc m`m¨ FY cwi‡kv‡a eva¨ nq|

bvix D‡`¨v³v t

bvix D‡`¨v³v ej‡Z e¨emv‡q wb‡qvwRZ †Kvb bvix hw` ¯^bv‡g †Kvb e¨emvqx cÖwZôvbcwiPvjbvq wb‡qvwRZ _v‡Kb Z‡e Zv‡K bvix/gwnjv D‡`¨v³v wn‡m‡e AwfwnZ Kiv †h‡Z cv‡i|GB †kªYxi D‡`¨v³v‡`i GmGgB FY cÖ`v‡b AMÖvwaKvi I we‡kl myweav (¯^í my`) cÖ`vb Kiv †h‡Z cv‡i| D‡j-L¨, †Kvb cÖwZôv‡b †Kvb bvix D‡`¨v³vi gvwjKvbvi Ask kZKiv 50 fv‡MiAwaK n‡j H cÖwZôvb‡K bvix D‡`¨v³v cwiPvwjZ cÖwZôvb wn‡m‡e MY¨ Ki‡Z n‡e Ges we‡klmyweavi AvIZvq FY cÖ`vb Kiv hv‡e|

FY/wewb‡qvM t

†`‡k e¨emviZ Bmjvgx e¨vsK¸‡jv KZ©„K GmGgB A_©vq‡b wewb‡qvM gva¨g e¨eüZ nq| †mKvi‡Y GmGgB A_©vq‡b FY kãwUi cvkvcvwk Bmjvgx e¨vsK¸‡jv KZ©„K AbymiYK…Z wewb‡qvMgva¨gwU‡KI eySv‡e|

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ms‡hvRbxmg~n

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GmGgB Lv‡Z FY weZi‡Yi j¶¨gvÎv

μwgK bs e¨vsK I Avw_©K cÖwZôv‡bi bvg wba©vwiZ j¶¨gvÎv

1 ivó«xq gvwjKvbvaxb e¨vsK 3,8972 we‡klvwqZ e¨vsK 6003 †emiKvwi evwYwR¨K e¨vsK 17,4784 we‡`kx e¨vsK 7075 bb-e¨vsK Avw_©K cÖwZôvb 1,313

me©‡gvU t 23,995

ms‡hvRbx ÔKÕ

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nvjKv cÖ‡KŠkj wkí K¬v÷vi1

ms‡hvRbx ÔLÕ

1 AvBGdwm-GmBwWGd mv‡f© - 2007

XvKv AÂjtμwgK bs Ae ’vb cY¨

1 jvjevM, Bmjvgcyi, †ZRMuvI, XvKv c-vw÷K cY¨vw`2 jvjevM, Bmjvgcyi, XvKv wcwfwm cvBc3 eskvj, XvKv ivevi cY¨vw`4 eskvj, XvKv evBmvB‡Kj Ges c¨vWK¨vem&5 bevecyi, XvKv †gwkb Uyj g¨vbyd¨vKPvwis6 k¨vgcyi, †Wgiv, †cv —‡Mvjv, bvivqYMÄ, MvRxcyi †ivwjs wgj7 k¨vgcyi, †Wgiv, XvKv Kvw÷s BDwbUm/dvDwÛ«m8 k¨vgcyi, †Wgiv, †KivbxMÄ, XvKv bvUm& GÛ †evëm&9 †cv¯—‡Mvjv, XvKv †gUvj †KvwUs10 Bswjk †ivW, XvKv ÷xj AvmevecÎ11 bevecyi, XvKv ˆe y wZK hš¿vsk (accessories)12 U½x, bvivqYMÄ, MvRxcyi m`i d¨vb13 bevecyi, XvKv nvév wdwUsm14 U½x, MvRxcyi m`i, bvivqYMÄ Bbmy‡j‡UW Zvi15 †ZRMuvI, †Wgiv, MvRxcyi m`i ZviRvZ cY¨vw`16 †KivbxMÄ, cvMjv, †avjvBcvi RvnvR wbg©vY I †givgZ17 bevecyi, †avjvBLvj hvbevnb hš¿vsk,wU‡bi †KŠUv Ges wU‡bi ˆZRmcÎ18 Bmjvgcyi, †ZRMuvI, XvKv c-vw÷K K‡›UBbvim&19 wUcymyjZvb †ivW, †avjvBLvj, XvKv U«vÝdigvim&20 k¨vgcyi, XvKv nvW©Iq¨vi mvgMÖx, †Wvi †evëm&, wnb‡Rm21 RyivBb, †avjvBLvj, k¨vgcyi, XvKv K„wl I †W«wRs cv¤úm&22 ebMÖvg, bevecyi, XvKv K‡¤úÖmim&23 wUcy myjZvb †ivW, XvKv M„n ’vjx DcKiYvw`, ˆe`y wZK Bw¯¿24 bevecyi, wUcy myjZvb †ivW, XvKv dvibv‡mm25 bevecyi, XvKv wWw÷«weDkb e·26 bevecyi, XvKv I‡qjwWs hš¿vw`27 wgicyi, m`iNvU, XvKv AviGgwR †¯úqvim&

e¸ov AÂjt1 †ijI‡q gv‡K©U, e¸ov Kvw÷sm& K¬v÷vi2 †ijI‡q gv‡K©U, e¸ov K„wl hš¿vw` I LyPiv hš¿vsk3 †ijI‡q gv‡K©U, e¸ov A‡Uv hš¿vsk

h‡kvi AÂjt1 Lyjbv †ivW, h‡kvi ev‡mi ewW ˆZwi2 Lyjbv †ivW, h‡kvi K„wl hš¿vw` I LyPiv hš¿vsk3 Lyjbv †ivW, h‡kvi A‡Uv hš¿vsk

Lyjbv AÂjt1 h‡kvi †ivW, weAvBwWwm ÷x‡ji AvmevecÎ

PÆMÖvg AÂj t1 Wvej gywis, †KvZqvjx c-vw÷K ªe¨vw`2 Wvej gywis, †KvZqvjx ivevi hš¿vsk3 Wvej gywis, †KvZqvjx wi-‡ivwjs wgjm&

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Dc‡RjvwfwËK GmGgB F‡Yi m¤¢¢vebvgq LvZmg~n2

ms‡hvRbx ÔMÕ

μwgK bs 1 biwms`x

XvKv AÂj t

biwms`x m`i†Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

grm¨ Lvgvi, wdk wdW, †cvwëª Lvevi, d¬¨vU wbg©vY I c-U μq-weμq, cvIqvi jyg, Kb÷ªvKkb dvg© cwiPvjbv I nvjKv BwÄwbqvwis IqvK©kc cwiPvjbv|

cjvk Kb÷ªvKkb dvg© cwiPvjbv, nvjKv BwÄwbqvwis IqvK©kccwiPvjbv, Rbkw³ ißvwb I cÖwk¶Y †K›`ª cwiPvjbv, grm¨Lvgvi, grm¨ wdW, †cvwëª Lvgvi/†cvwëª wdW μq-weμq|

wkecyi myZv Drcv`b, Rbkw³ Dbœq‡b cÖwk¶Y †K›`ª cwiPvjbv, mewR Drcv`b msi¶Y I μq-weμq|

†ejv‡ev exR Drcv`b cÖwμqvKiY I msi¶Y, cvURvZ cY¨ Drcv`b, †cvwëª Lvgvi/†cvwë« wdW μq-weμq, mewR Drcv`b msi¶Y I μq-weμq Ges nvjKv BwÄwbqvwis IqvK©kc cwiPvjbv|

ivqcyiv ZuvZ wkí, KvwiMwi cÖwk¶Y Bbw÷wUDU cwiPvjbv, grm¨ Lvgvi, wdk wdW, †cvwë« Lvgvi/†cvwë« wdW μq-weμq|

g‡bvni`x ivBm wgj cwiPvjbv I nvjKv BwÄwbqvwis IqvK©kc cwiPvjbv|bvivqYMÄ m`ibvivqYMÄ2 Mv‡g©›Um, bxU, †nvwmqvix, is, myZv, Kvc‡oi e¨emv, iW, BU,

wm‡g›U I wbg©vY mvgMÖxi e¨emv, dvwb©Pv‡ii e¨emv, †nv‡Uj I †i÷y‡i›U|

gvwbKMÄ m`igvwbKMÄ3 ¶z`ª e¨emv, †cvwë« Lvgvi, grm¨ Pvl, ¶y`ª KywUi wkí|

e›`i Mv‡g©›Um SyU †_‡K Zyjv cÖ‡mwms, Kv‡Vi e¨emv, PvD‡ji e¨emv,wbg©vY I nvW©Iq¨vi mvgMÖxi e¨emv|

†mvbviMuvI wjPy evMvb, gywj euv‡ki e¨emv, wdwjs †÷kb, PvD‡ji e¨emv,nvW©Iq¨vi, gyw` e¨emv|

iƒcMÄ Rvg`vwb, †¯úvU©m †bU, †U·UvBj, myZv I Kvc‡oi e¨emv, wdwjs †÷kb, grm¨ Pvl|

AvovBnvRvi cvIqvi jyg, †U·UvBj, myZv I Kvc‡oi e¨emv|

wkevjq †cvwë« Lvgvi, grm¨ Pvl|

wNIi †cvwë« Lvgvi, grm¨ Pvl, ¶z`ª KywUi wkí |

2 evsjv‡`k e¨vs‡Ki wewfbœ kvLv Awdm KZ©„K (e¨vsK I Avw_©K cÖwZôv‡bi mnvqZvq cÖ¯‘ZK…Z) Kv‡Ri myweav‡_© Dc‡RjvwfwËKm¤¢vebvgq Lv‡Zi ZvwjKv cÖ¯‘Z Kiv n‡q‡Q| gvVch©v‡qi ev¯—eZv I cÖK…Z cwiw¯’wZi Av‡jv‡K e¨vsK/Avw_©K cÖwZôvb¸‡jv ¯^xqwe‡ePbvq GmGgB FY cÖ`v‡bi Rb¨ G ZvwjKv ewnf©‚Z bZzb bZzb †¶Î/LvZ wPwýZ Ki‡Z cv‡i|

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μwgK bs †`ŠjZcyi

†Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n †cvwë« Lvgvi, grm¨ Pvl|

mvUywiqv ¶z`ª e¨emv, †cvwë« Lvgvi, grm¨ Pvl|

wm½vBi †cvwë« Lvgvi, grm¨ Pvl, ¶z`ª KywUi wkí|

nwiivgcyi ¶z`ª e¨emv, ‡cvwë« Lvgvi, grm¨ Pvl |

gywÝMÄ m`igywÝMÄ4 wdwks †bU I myZv Drcv`b, AvmevecÎ ˆZwi, Ry‡qjvix,WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, nvW©Iq¨vi, †÷kbvix, Avmevec‡Îi †`vKvb, †cvwë«Lvgvi, †cvwë« wdW, ¶z`ª e¨emv|

MvRxcyi m`iMvRxcyi5 AvmevecÎ ˆZwi, ‡cvwëª wkí, bvm©vix, c-vw÷K cY¨ Drcv`b, Mvwo/A‡Uvwi·vi LyPiv hš¿vsk I miÄvgvw` Drcv`b, WvqvMbw÷K †m›Uvi, wK¬wbK, nvievj wU«U‡g›U GÛ weDwU cvj©vi,we‡bv`b cvK©, Uy¨wi÷ ¯úU I wi‡mvU©, AvevwmK †nv‡Uj, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi,cÖmvabx, †i÷y‡i›U, Jl‡ai †`vKvb, Avmevec‡Îi †`vKvb|

kªxcyi AvmevecÎ ˆZwi, c-vw÷K cY¨ Drcv`b, Mvwo/A‡Uvwi·vi LyPiv hš¿vsk I miÄvgvw` Drcv`b, WvqvMbw÷K †m›Uvi, wK¬wbK, nvievj wU«U‡g›U GÛ weDwU cvj©vi, we‡bv`b cvK©, Uy¨wi÷ ¯úU I wi‡mvU©, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, †cvwëªwkí, bvm©vix, cÖmvabx, †i÷y‡i›U, Jl‡ai †`vKvb, Avmevec‡Îi†`vKvb|

Kvwjqv‰Ki AvmevecÎ ˆZwi, c-vw÷K cY¨ Drcv`b, Mvwo/A‡Uvwi·vi LyPiv hš¿vsk I miÄvgvw` Drcv`b, WvqvMbw÷K †m›Uvi, †cvwëª wkí,bvm©vix, wK¬wbK, nvievj wU«U‡g›U GÛ weDwU cvj©vi, we‡bv`bcvK©, Uy¨wi÷ ¯úU I wi‡mvU©, AvevwmK †nv‡Uj, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx,†i÷y‡i›U, Jl‡ai †`vKvb, Avmevec‡Îi †`vKvb |

wmivRw`Lvb cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, nvW©Iq¨vi, †÷kbvix,Avmevec‡Îi †`vKvb, †cvwë« Lvgvi, †cvwë« wdW, ¶z`ª e¨emv|

kªxbMi wdwks †bU I myZv Drcv`b, KywUi wkí, n¯— wkí|

†jŠnRs Uy¨wi÷ ¯úU I wi‡mvU©, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb,nvW©Iq¨vi, †÷kbvix, Jl‡ai †`vKvb, grm¨ e¨emv cwiPvjbvi R‡b¨ wecYb Kvh©μg|

U½xevwo WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, nvW©Iq¨vi, †÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki†`vKvb, ¶z`ª e¨emv|

MRvwiqv †cvwë« dv‡g© Drcvw`Z cY¨ wecYb Kvh©μg, Avjy evRviRvZKiY, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, nvW©Iq¨vi, cÖmvabx,†÷kbvix, Jl‡ai †`vKvb, †WBix I †cvwë« dvg©|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

Rvgvjcyi m`iRvgvjcyi6 n¯— I Kvi“ wkí, B‡jKUªwb· I ˆe`y¨wZK mvgMÖx, AvmevecΈZwi (KvV I ÷xj), Mvwo/A‡Uvwi·vi LyPiv hš¿vsk I miÄvgvw`,U‡g‡Uv I Avjy cÖwμqvRvZKiY, WvqvMbw÷K †m›Uvi, wK¬wbK,Jlavw`/e¨w³MZ cwi”QbœZv, AvevwmK †nv‡Uj, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi|

eKkxMÄ AvmevecÎ ‰Zwi I wecYb, nvievj cY¨ Drcv`b, e¨w³MZcwi”QbœZv, B‡jKUªwb· I ˆe`y¨wZK mvgMÖx, WvqvMbw÷K †m›Uvi,wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj†÷vi, nvW©Iq¨vi, †i÷y‡i›U|

KvwjMÄ AvmevecÎ ˆZwi, †cvwëª wkí, bvm©vix, c-vw÷K cY¨ Drcv`b, Mvwo/A‡Uvwi·vi LyPiv hš¿vsk I miÄvgvw` Drcv`b, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi,cÖmvabx, †i÷y‡i›U, Jl‡ai †`vKvb, Avmevec‡Îi †`vKvb|

Kvcvwmqv AvmevecÎ ˆZwi, c-vw÷K cY¨ Drcv`b, Mvwo/A‡Uvwi·vi LyPiv hš¿vsk I miÄvgvw` Drcv`b, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U,Jl‡ai †`vKvb, Avmevec‡Îi †`vKvb|

†`IqvbMÄ AvmevecÎ ˆZwi I wecYb, nvievj cY¨ Drcv`b, B‡jKU«wb· I ˆe`y¨wZK mvgMÖx, e¨w³MZ cwi”QbœZv, WvqvMbw÷K †m›Uvi,wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj†÷vi, nvW©Iq¨vi, †i÷y‡i›U|

Bmjvgcyi AvmevecÎ ˆZwi I wecYb, nvievj cY¨ Drcv`b, B‡jKU«wb· I ˆe`y¨wZK mvgMÖx, e¨w³MZ cwi”QbœZv, WvqvMbw÷K †m›Uvi,wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj†÷vi, nvW©Iq¨vi, †i÷y‡i›U I Jl‡ai †`vKvb|

†gjv›`n AvmevecÎ ˆZwi I wecYb, nvievj cY¨ Drcv`b, nvievj wU«U‡g›U GÛ weDwU cvj©vi, B‡jKU«wb· I ˆe`y¨wZK mvgMÖx, wWRvBb I d¨vkb Iq¨vi, e¨w³MZ cwi”QbœZv, WvqvMbw÷K†m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb,wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, †i÷y‡i›U, Jl‡ai †`vKvb|

gv`viMÄ AvmevecÎ ˆZwi I wecYb, nvievj cY¨ Drcv`b, nvievj wU«U‡g›U GÛ weDwU cvj©vi, B‡jKU«wb· I ˆe`y¨wZK mvgMÖx, wWRvBb I d¨vkb Iq¨vi, e¨w³MZ cwi”QbœZv, WvqvMbw÷K†m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb,wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, †i÷y‡i›U, Jl‡ai †`vKvb|

mwilvevwo AvmevecÎ ˆZwi I wecYb, nvievj cY¨ Drcv`b, nvievj wU«U‡g›U GÛ weDwU cvj©vi, B‡jKU«wb· I ˆe`y¨wZK mvgMÖx, wWRvBb I d¨vkb Iq¨vi, e¨w³MZ cwi”QbœZv, WvqvMbw÷K†m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb,wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, †i÷y‡i›U, Jl‡ai †`vKvb|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n Uv½vBj m`iUv½vBj7 ZuvZ wkí, wWRvBb I d¨vkb Iq¨vi, wgwó ‰Zwi I wecYb, wcÖw›Us

†cÖm, WvqvMbw÷K †m›Uvi, wK¬wbK, nvievj wU«U‡g›U GÛ weDwU cvj©vi, AvevwmK †nv‡Uj, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb,wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U, †÷kbvix,Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

†`j`yqvi ZuvZ wkí, wWRvBb I d¨vkb Iq¨vi, wcÖw›Us †cÖm, WvqvMbw÷K†m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb,wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U, †÷kbvix,Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

fyTvcyi WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U,†÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

†Mvcvjcyi Pvgovi e¨emv, WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx,†i÷y‡i›U, †÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb,Avmevec‡Îi †`vKvb|

gaycyi WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U,†÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

abevwo cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi,nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U, †÷kbvix, Jl‡ai †`vKvb, ˆZwi†cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

KvwjnvZx ZuvZ wkí, WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx,†i÷y‡i›U, †÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb,Avmevec‡Îi †`vKvb|

NvUvBj K„wl hš¿cvwZ ‰Zwi I wecYb, WvqvMbw÷K †m›Uvi, wK¬wbK,cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi,nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U, †÷kbvix, Jl‡ai †`vKvb, ‰Zwi†cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

bvMicyi WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U,†÷kbvix, Jl‡ai †`vKvb, ‰Zwi †cvkv‡Ki †`vKvb,Avmevec‡Îi †`vKvb|

wgR©vcyi WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U,†÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

†b·Kvbv m`i†b·Kvbv8 euvk I †eZ wkí, Ry‡qjvix, nvjKv BwÄwbqvwis, †mjyb I weDwU cvj©vi, WvqvMbw÷K †m›Uvi, jvB‡eªix, cv`yKv wkí, †eKvix,Kv‡Vi AvmevecÎ, †j` †gwkb, KivZ Kj I gyw` †`vKvb|

evmvBj BUfvUv, WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb,gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U,†÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

mwLcyi WvqvMbw÷K †m›Uvi, wK¬wbK, cvBKvwi I LyPiv †`vKvb, gyw` †`vKvb, wWcvU©‡g›Uvj †÷vi, nvW©Iq¨vi, cÖmvabx, †i÷y‡i›U,†÷kbvix, Jl‡ai †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, Avmevec‡Îi †`vKvb|

wK‡kviMÄ m`iwK‡kviMÄ9 MÖvgxY ¶z`ª e¨emv, grm¨ Lvgvi, avb gvovB Kj BZ¨vw`|

AóMÖvg MÖvgxY ¶z`ª e¨emv|

evwRZcyi MÖvgxY ¶z`ª« e¨emv, KvV e¨emv, Kv‡Vi AvmevecÎ, ivBm wgj BZ¨vw`|

ˆfie MÖvgxY ¶z`ª e¨emv, wbg©vY mvgMÖx ivmvqwbK mvi, grm¨ AvoZ, RyZv I PvgovRvZ cY¨ cÖ¯‘Z BZ¨vw`|

†nv‡mbcyi MÖvgxY ¶z`ª e¨emv, grm¨ Lvgvi BZ¨vw`|

BUbv MÖvgxY ¶z`ª e¨emv|KwigMÄ MÖvgxY ¶z`ª e¨emv|

KywjqviPi ¶z`ª e¨emv, gv‡Qi AvoZ, ïuUwK gvQ msi¶Y I Kjv Pvl BZ¨vw`|

KwUqv`x ¶z`ª e¨emv, mewR Drcv`b I Kjv Pvl BZ¨vw`|

AvUcvov †eKvix, Kv‡Vi dvwb©Pvi, †j` †gwkb, jvB‡eªix, KivZ Kj I gyw` †`vKvb|

evinvUv †eKvix, Kv‡Vi dvwb©Pvi, †j` †gwkb, jvB‡eªix, KivZ Kj I gyw` †`vKvb|

†K›`yqv †eKvix, Kv‡Vi dvwb©Pvi, †j` †gwkb, KivZ Kj I gyw` †`vKvb|

`yM©vcyi †eKvix, Kv‡Vi dvwb©Pvi, †j` †gwkb, KivZ Kj I gyw` †`vKvb|

KjgvKv›`v PvDj Kj, eidKj, †eKvix, Kv‡Vi dvwb©Pvi, †j` †gwkb, KivZ Kj I gyw` †`vKvb|

LvwjqvRyix †bŠKv ˆZwi, gvQ aivi Rvj ˆZwi, KivZ Kj I gyw` †`vKvb|

†gvnbMÄ kxZj cvwU, WvqvMbw÷K †m›Uvi, d¨v±ix, †eKvix, Kv‡Vidvwb©Pvi, †j` †gwkb, KivZ Kj I gyw` †`vKvb|

g`b PvDj Kj, eidKj, †eKvix, Kv‡Vi dvwb©Pvi, †j` †gwkb, KivZ Kj I gyw` †`vKvb|

c~e©ajv PvDj Kj, eidKj, †eKvix, Kv‡Vi dvwb©Pvi, †j` †gwkb,jvB‡eªix, KivZ Kj I gyw` †`vKvb|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

†kicyi m`i†kicyi10 PvDj Kj, AvmevecÎ ˆZwi I wecYb, wK¬wbK, cvBKvwi I LyPiv e¨emv, gyw` †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, mvaviY e¨emv|

wgVvgBb MÖvgxY ¶z`ª e¨emv|

wbKjx MÖvgxY ¶z`ª e¨emv|

ZvovBj MÖvgxY ¶z`ª e¨emv, mewR Drcv`b I Kjv Pvl BZ¨vw`|

cvKyw›`qv MÖvgxY ¶z`ª e¨emv, nuvm-gyiwMi Lvgvi, mewR Drcv`b I Mevw` cïi Lvgvi BZ¨vw`|

bvwjZvevwo PvDj Kj, AvmevecÎ ˆZwi I wecYb, wK¬wbK, cvBKvwi I LyPiv e¨emv, gyw` †`vKvb, nvW©Iq¨vi, cÖmvabx, Jl‡ai †`vKvb, ˆZwi†cvkv‡Ki †`vKvb, mvaviY e¨emv|

gqgbwmsn m`igqgbwmsn11 ¯^v¯’¨ †mev Ges WvqvMbw÷K, Kv‡Vi e¨emv, B‡jKU«wb· Ges ˆe`y¨wZK mvgMÖx, Jl‡ai †`vKvb|

fvjyKv B‡jKU«wb·, ˆe`y¨wZK mvgMÖx, ebvqb, AvmevecÎ ˆZwi, †cvkvKˆZwi|

gy³vMvQv B‡jKU«wb· I ˆe`y¨wZK mvgMÖx, AvmevecÎ ˆZwi, cvBKvwi I LyPiv †`vKvb, wgwó ˆZwi I wecYb|

kªxe`©x PvDj Kj, AvmevecÎ ˆZwi I wecYb, wK¬wbK, cvBKvwi I LyPiv e¨emv, gyw` †`vKvb, nvW©Iq¨vi, cÖmvabx, Jl‡ai †`vKvb, ˆZwi†cvkv‡Ki †`vKvb, mvaviY e¨emv|

bKjv PvDj Kj, AvmevecÎ ˆZwi I wecYb, wK¬wbK, cvBKvwi I LyPiv e¨emv, gyw` †`vKvb, nvW©Iq¨vi, cÖmvabx, Jl‡ai †`vKvb, ˆZwi†cvkv‡Ki †`vKvb, mvaviY e¨emv|

wSbvBMvZx PvDj Kj, AvmevecÎ ˆZwi I wecYb, wK¬wbK, cvBKvwi I LyPiv e¨emv, gyw` †`vKvb, nvW©Iq¨vi, cÖmvabx, Jl‡ai †`vKvb, ˆZwi†cvkv‡Ki †`vKvb, mvaviY e¨emv|

dyjevwoqv B‡jKU«wb· I ˆe`y¨wZK mvgMÖx, AvmevecÎ ˆZwi, †÷kbvix|

MdiMuvI B‡jKU«wb· Ges ˆe`y¨wZK mvgMÖx, ¯^v¯’¨ †mev Ges WvqvMbw÷K,nvW©Iq¨vi|

†MŠixcyi B‡jKU«wb· Ges ˆe`y¨wZK mvgMÖx, AvmevecÎ ˆZwi, Jl‡ai †`vKvb|

†avevDov B‡jKU«wb· Ges ˆe`y¨wZK mvgMÖx, AvmevecÎ ˆZwi, †MÖvmvix kc|

nvjyqvNvU B‡jKU«wb· Ges ˆe`y¨wZK mvgMÖx, AvmevecÎ ˆZwi, Kqjv, ˆZwi†cvkv‡Ki †`vKvb|

Ck¦iMÄ B‡jKU«wb· Ges ˆe`y¨wZK mvgMÖx, AvmevecÎ ˆZwi, nvW©Iq¨vi,Jl‡ai †`vKvb|

bv›`vBj †MÖvmvix kc, nvW©Iq¨vi, †÷kbvix, B‡jKU«wb· I ˆe`y¨wZK mvgMÖx|

dyjcyi Avmevec‡Îi †`vKvb, cÖmvabx, Jl‡ai †`vKvb, B‡jKU«wb· I ˆe`y¨wZK mvgMÖx|

wÎkvj AvmevecÎ ˆZwi, nvW©Iq¨vi, †÷kbvix, B‡jKU«wb·, †MÖvmvix kc|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n dwi`cyi m`idwi`cyi12 ˆe`y¨wZK mvgMÖx, Ry‡qjvix, wcÖw›Us †cÖm, ¯^v¯’¨ †mev I

WvqvMbw÷K, AvmevecÎ ˆZwi, cvBKvwi I LyPiv †`vKvb,nvW©Iq¨vi mvgMÖx, †cvkv‡Ki †`vKvb, gyw` I gwbnvwi †`vKvb,cvU e¨emv, gywo-wPuov ˆZwi wgj, gvwUi ˆZwi ˆZRmcÎ BZ¨vw`|

Pif`ªvmb AvmevecÎ ˆZwi, cÖmvabx, mvB‡Kj f¨vb ˆZwi, cvBKvwi I LyPiv †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, gyw` I gwbnvwi †`vKvb, grm¨Pvl, gvwUi ˆZwi ˆZRmcÎ BZ¨vw`|

†evqvjgvix AvmevecÎ ˆZwi, Ry‡qjvix, Jlavw`/cÖmvabx, cvBKvix I LyPiv †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, gyw` I gwbnvwi †`vKvb, grm¨Pvl I cvU e¨emv, cvU I cvURvZ c‡Y¨i KywUi wkí BZ¨vw`|

fv½v AvmevecÎ ˆZwi, mvB‡Kj f¨vb ˆZwi, QvZv ˆZwii KviLvbv, cvBKvwi I LyPiv †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, gyw` I gwbnvwi †`vKvb, grm¨ Pvl, cvU e¨emv BZ¨vw`|

mvj_v cvU e¨emv, cvBKvwi I LyPiv †`vKvb, AvmevecÎ ˆZwi, grm¨Pvl BZ¨vw`|

bMiKv›`v AvmevecÎ ˆZwi, Ry‡qjvix, mvB‡Kj f¨vb ˆZwi, cvBKvwi I LyPiv †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, gyw` I gwbnvwi †`vKvb,grm¨ Pvl, cvU e¨emv, cvU I cvURvZ c‡Y¨i KywUi wkí BZ¨vw`|

AvjdvWv½v AvmevecÎ ˆZwi, cÖmvabx, mvB‡Kj f¨vb ˆZwi, cvBKvwi I LyPiv †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, gyw` I gwbnvwi †`vKvb, grm¨Pvl BZ¨vw`|

gayLvjx AvmevecÎ ˆZwi, cÖmvabx, mvB‡Kj f¨vb ˆZwi, cvBKvwi I LyPiv †`vKvb, ˆZwi †cvkv‡Ki †`vKvb, gyw` I gwbnvwi †`vKvb, grm¨Pvl, cvU e¨emv BZ¨vw`|

ivRevox m`iivRevox13

†Mvqvj›`

cvskv

evwjqvKvw›`

eªvþbevwoqv m`ieªvþYevwoqv14

ivBm wgj, nvW©Iq¨vi mvgMÖx, we¯‹zU d¨v±ix, AvmevecÎ ˆZwi,n¨vwÛμvdU, bKkxKuv_v, evwUK wcÖ›U I GgeªqWvix, A‡Uv-wi·v|nvW©Iq¨vi, av‡bi PvZvj, ˆZwi †cvkv‡Ki †`vKvb, AvmevecΈZwi, †cvwëª dvg©, Kjv I gay Pvl|av‡bi PvZvj, nvW©Iq¨vi mvgMÖx, BUfvUv, AvmevecÎ ˆZwi, A‡qj wgj, cvU e¨emv|grm¨ Pvl, grm¨ n¨vPvix, bvm©vix, gyiwMi ev”Pv Drcv`b, av‡biPvZvj, we¯‹zU d¨v±ix, AvmevecÎ ˆZwi|wcÖw›Us †cÖm, nvjKv cÖ‡KŠkj, AvmevecÎ ˆZwi, †eKvix, RyZv ˆZwi KviLvbv, dzW cÖ‡mwms, †cvwëª, †WBix GÛ wdk dxW, gkjv ¸uovKiY, wgwó ˆZwi, †QvU KvU©b, †UBjvwis, †gwk‡b wPuov I gywo ˆZwi, weªK wdì| LyPiv I cvBKvwi †`vKvb, gkjv RvZxq c‡Y¨ic¨v‡KUKiY I wecYb, WªvM nvDR, WvqvMbw÷K †m›Uvi,Kw¤úDUvi †Uªwbs ¯‹zj, wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUi,†gvevBj †dvb GK‡mmwiR, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ †i÷z‡i›U, cwi‡ekevÜe ˆe`y¨wZK †QvU cwienb, mvBevi K¨v‡d, wngvMvi|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

†KivbxMÄXvKv15

Kmev

AvLvDov

B‡jKwUªK cvUm© ˆZwi, Wvwqs d¨v±ix, RvnvR wbg©vY, †WBix dvg©,†cvwëª, iW, wm‡g›U, †XD wUb, wbg©vY mvgMÖxi e¨emv BZ¨vw`|

nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, †gwk‡b wPuov I gywo ˆZwi,wgwó ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, WªvMnvDR, mvBevi K¨v‡d, †gvevBj †dvb GK‡mmwiR, wWwRUvj Kvjvi j¨ve, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, †Kvì†÷v‡iR|nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, †gwk‡b wPuov I gywo ˆZwi,wgwó ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, WªvMnvDR, mvBevi K¨v‡d, †gvevBj †dvb GK‡mmwiR, †dvb-d¨v·,mvBevi K¨v‡d, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, †Kvì†÷v‡iR|

bexbMi nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, †gwk‡b wPuov I gywo ˆZwi,wgwó ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, WªvMnvDR, mvBevi K¨v‡d, †gvevBj †dvb GK‡mmwiR, †dvb-d¨v·,mvBevi K¨v‡d, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, †Kvì†÷v‡iR|

evÃvivgcyi nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, †gwk‡b wPuov I gywo ˆZwi,wgwó ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, WªvMnvDR, mvBevi K¨v‡d, †gvevBj †dvb GK‡mmwiR, †dvb-d¨v·,mvBevi K¨v‡d, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, †Kvì†÷v‡iR|

AvïMÄ nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, †gwk‡b wPuov I gywo ˆZwi,wgwó ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, WªvM nvDR, mvBevi K¨v‡d, †gvevBj †dvb GK‡mmwiR, †dvb-d¨v·, mvBevi K¨v‡d, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, †Kvì †÷v‡iR|

bvwQibMi nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, †gwk‡b wPuov I gywo ˆZwi,wgwó ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, WªvM nvDR, mvBevi K¨v‡d, †gvevBj †dvb GK‡mmwiR, †dvb-d¨v·, mvBevi K¨v‡d, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, †Kvì †÷v‡iR|

mvfvi B‡jKwUªK, Mv‡g©›Um e¨vKIqvW© wjs‡KR BÛvw÷ªR, nvW©Iq¨vie¨emv, weDwU cvj©vi, K…wl c‡Y¨i e¨emv, K…wl I B‡jKwUªKhš¿cvwZ ˆZwii KviLvbv, cY¨ cwien‡bi †bŠhvb ˆZwi, †cvwëªLvgvi, hš¿cvwZ BZ¨vw`|

avgivB PvjKj, K…wl cY¨ wecYb, †cvwëª, †WBix, cY¨ cwien‡bi†bŠhvb ˆZwi BZ¨vw`|

beveMÄ B‡jKUªwb·, iW, wm‡g›U, AvmevecÎ, †XDwUb I wbg©vY mvgMÖxie¨emv, grm¨ Pvl, myZv I ZuvZ wkí BZ¨vw`|

†`vnvi myZv I ZuvZ wkí, RvnvR wbg©vY wkí, cÖevmx kÖwgK‡`i cÖwk¶YcÖwZôvb, grm¨ Pvl, nvW©Iq¨vi e¨emv BZ¨vw`|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n PÆMÖvg m`iPÆMÖvg16 wcÖw›Us †cÖm, nvjKv cÖ‡KŠkj, dvwb©Pvi, eidKj, wgé GÛ †WBix

dvg©, wkc †eªwKs evB †cÖvWv±, †eKvix, eywUKm, RyZv ˆZwi KviLvbv, dyW cÖ‡mwms, †cvwë«, †WBix GÛ wdk dxW, U¨vbvix, Mnbv ˆZwi, U«jvi I †QvU hvÎxevnx †bŠhvb ˆZwi, mdU&Iq¨vi ˆZwi, mvaviY I d¨vk‡bej †gvgevwZ ˆZwi, Kvco KvPv mvevb, gkjv ¸uovKiY,Av‡qvWvBRW jeY ˆZwi, wgwó ˆZwi, †QvU KvU©b, †j‡ej ˆZwi I †QvU wcÖw›Us I c¨v‡KwRs, Uvqvi wimvBwK¬s, †UBjvwis, †gwk‡b wPuov I gywo ˆZwi, c-vw÷K †Ljbv ˆZwi| †gvevBj †dvb G‡·mwiR,wmGbwR wdwjs, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, gkjv RvZxq c‡Y¨i c¨v‡KUKiY I wecYb| Kj †m›Uvi, WvqvMbw÷K†m›Uvi, wK¬wbK, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi, †mjyb,wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, AvBGmwc mvwf©m†cÖvfvBWvi, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ †i÷y‡i›U, cwi‡ek evÜe ˆe`y¨wZKcwienb, †QvU cwienb, B‡›Uwiqi GÛ G·Uvibvj †W‡Kv‡ikb,KwgDwbwU †m›Uvi, mvBevi K¨v‡d|

nvUnvRvix K„wl hš¿cvwZ ˆZwi I wecYb, dvwb©Pvi ˆZwi, †gvevBj †dvbGK‡mmwiR, cvBKvwi I LyPiv †`vKvb, gkjv RvZxq c‡Y¨ic¨v‡KUKiY I wecYb, WvqvMbw÷K †m›Uvi, †nv‡Uj GÛ †i÷y‡i›U|

dwUKQwo H

ivDRvb Hiv½ywbqv HcwUqv cvBKvwi I LyPiv †`vKvb, WvqMbw÷K †m›Uvi, wK¬wbK, Kw¤úDUvi

†U«wbs ¯‹yj, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, K¨vejAcv‡iUim, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR|

Av‡bvqviv K„wl hš¿cvwZ ˆZwi I wecYb, †UBjvwis, †eKvix, cvBKvwi I LyPiv †`vKvb, WvqvMbw÷K †m›Uvi, †nv‡Uj GÛ †i÷y‡i›U|

euvkLvjx K„wl hš¿cvwZ ˆZwi I wecYb, wdwks †evU ˆZwi, †UBjvwis,†eKvix, cvBKvwi I LyPiv †`vKvb, WvqMbw÷K †m›Uvi, †nv‡UjGÛ †i÷y‡i›U|

†evqvjLvjx K„wl hš¿cvwZ ˆZwi I wecYb, dvwb©Pvi ˆZwi, †UBjvwis, †eKvix|wgimivB K„wl hš¿cvwZ ˆZwi I wecYb, dvwb©Pvi ˆZwi, ivBmwgj, c-v‡›Ukb,

†UBjvwis, †eKvix, K„wl hš¿cvwZ ˆZwi I wecYb, wK¬wbK,†Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ †i÷y‡i›U|

mxZvKyÛ K„wl hš¿cvwZ ˆZwi I wecYb, wkc †eªwKs evB †cÖvWv±m, nvjKv cÖ‡KŠkj, †UBjvwis, †eKvix, WvqvMbw÷K †m›Uvi, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ†i÷y‡i›U|

PÆMÖvg AÂj t

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n m›Øxc K„wl hš¿cvwZ ˆZwi I wecYb, wdwks †evU I hvÎxevnx †bŠhvb

ˆZwi, †UBjvwis, †eKvix, WvqvMbw÷K †m›Uvi, †nv‡Uj GÛ†i÷y‡i›U, W«vM-nvDR|

†jvnvMvov K„wl hš¿cvwZ ˆZwi I wecYb, †eKvix, †UBjvwis, WvqvMbw÷K†m›Uvi, †nv‡Uj GÛ †i÷y‡i›U, W«vM-nvDR|

mvZKvwbqv K„wl hš¿cvwZ ˆZwi I wecYb, †eKvix, †UBjvwis, WvqvMbw÷K†m›Uvi, †nv‡Uj GÛ †i÷y‡i›U, W«vM-nvDR|

P›`bvBk K„wl hš¿cvwZ ˆZwi I wecYb, †eKvix, †UBjvwis, WvqvMbw÷K†m›Uvi, †nv‡Uj GÛ †i÷y‡i›U, W«vM-nvDR|

K·evRvi m`iK·evRvi17 n¨vPvix, wdk cÖ‡mwms, W«vB wdk cÖ‡mwms, jeY cÖ‡mwms, gvki“g,nvjKv cÖ‡KŠkj, U«jvi I †QvU hvÎxevnx †bŠhvb ˆZwi, wcÖw›Us†cÖm, †UBjvwis, Avw`evmx n¯—wkí I †Kvgi ZuvZ, kvgyK I wSby‡Ki Mnbv ˆZwi, eidKj, †eKvix, †gvevBj †dvb G‡·mwiR,WvqvMbw÷K †m›Uvi, wK¬wbK, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi,wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, †Rbv‡iUi Gi gva¨‡gwe`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ†i÷y‡i›U, †QvU G¨vwgDR‡g›U cvK©, W«vM nvDR, mvBevi K¨v‡d|

†UKbvd n¨vPvix, wdk cÖ‡mwms, W«vB wdk cÖ‡mwms, gvki“g, nvjKv cÖ‡KŠkj, eidKj, †eKvix, cvBKvwi I LyPiv †`vKvb,WvqvMbw÷K †m›Uvi, †nv‡Uj GÛ †i÷y‡i›U|

DwLqv Hg‡nkLvjx wdk cÖ‡mwms, W«vB wdk cÖ‡mwms, gvki“g, eidKj, cvBKvwi I

LyPiv †`vKvb|

KyZyew`qv wdk cÖ‡mwms, W«vB wdk cÖ‡mwms, gvki“g, eidKj, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY|

PKwiqv wdk cÖ‡mwms, W«vB wdk cÖ‡mwms, gvki“g, eidKj, nvjKv cÖ‡KŠkj, cvBKvwi I LyPiv †`vKvb, WvqvMbw÷K †m›Uvi, †nv‡UjGÛ †i÷y‡i›U|

†cKyqv nvjKv cÖ‡KŠkj, Uªjvi I †QvU hvÎxevnx †bŠhvb, cvBKvwi I LyPiv †`vKvb, †nv‡Uj GÛ †i÷y‡i›U |

m`iev›`ievb18 nvj&Kv cÖ‡KŠkj, Avw`evmx n¯—wkí I †Kvgi ZuvZ, m-wgj, dyW cÖ‡mwms GÛ †÷vwis, Kv‡Vi AvmevecÎ I Ab¨vb¨ mvgMÖx, euvk I †e‡Zi mvgMÖx, gvki“g, eywUKm, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi,†mjyb, wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ†i÷y‡i›U, K‡UR|

ivgy W«vB wdk cÖ‡mwms, gvki“g, nvjKv cÖ‡KŠkj, †eKvix, cvBKvwi I LyPiv †`vKvb|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n jvgv Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g, euvk I †e‡Zi mvgMÖx,

c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi|i“gv HAvjx K`g HbvB¶sQwo H†ivqvsQwo H

LvbwP H

cvbQwo H`xwNbvjv HgvwbKQwo Hj¶xQwo H

m`iLvMovQwo19 nvjKv cÖ‡KŠkj, m-wgj, dyW cÖ‡mwms GÛ †÷vwis, Kv‡ViAvmevecÎ I Ab¨vb¨ mvgMÖx, euvk I †e‡Zi mvgMÖx, Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g, eywUKm&, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ†i÷y‡i›U, wm‡bgv GÛ G¨vwgDR‡g›U cvK©|

m`iiv½vgvwU20 nvjKv cÖ‡KŠkj, m-wgj, dyW cÖ‡mwms GÛ †÷vwis, Kv‡ViAvmevecÎ I Ab¨vb¨ mvgMÖx, euvk I †e‡Zi mvgMÖx, Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g, eywUKm&, hvÎxevnx I ch©UK‡`iR‡b¨ †bŠhvb ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, †gvevBj †dvb G‡·mwiR, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi,wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, †Rbv‡iUi Gi gva¨‡gwe`y¨r weZiY, Lv`¨ I exR msi¶Y I wecYb, †nv‡Uj GÛ†i÷y‡i›U, KwgDwbwU †m›Uvi, wm‡bgv GÛ G¨vwgDR‡g›U cvK©,ch©Ub K‡UR|

ivgMo m-wgj, dyW cÖ‡mwms GÛ †÷vwis, Kv‡Vi Avmeve I Ab¨vb¨mvgMÖx, euvk I †e‡Zi mvgMÖx, Avw`evmx n¯— wkí I †Kvgi ZuvZ, gvki“g, eywUKm&, c-v‡›Ukb| cvBKvwi I LyPiv †`vKvb, †mvjvicvIqvi, Kw¤úDUvi †U«wbs ¯‹yj, wWwRUvj Kvjvi j¨ve, †Rbv‡iUiGi gva¨‡g we`y¨r weZiY, †nv‡Uj GÛ †i÷y‡i›U, wm‡bgv GÛG¨vwgDR‡g›U cvK©|

gvwUiv½v K„wl hš¿cvwZ ˆZwi, Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g,euvk I †e‡Zi mvgMÖx, †UBjvwis, c-v‡›Ukb, †mvjvi cvIqvi, cvBKvwi I LyPiv †`vKvb|

gnvjQwo K„wl hš¿cvwZ ˆZwi, Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g,euvk I †e‡Zi mvgMÖx, †UBjvwis, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n KvDLvjx Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g, euvk I †e‡Zi mvgMÖx,

cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, †gvevBj †dvbG‡·mwiR, ¯’vbxq cwienb|

KvßvB nvjKv cÖ‡KŠkj, m-wgj, dyW cÖ‡mwms GÛ †÷vwis, Kv‡Vi AvmevecÎI Ab¨vb¨ mvgMÖx, euvk I †e‡Zi mvgMÖx, Avw`evmx n¯—wkí I †KvgiZuvZ, gvki“g, eywUKm&, hvÎxevnx I ch©UK‡`i R‡b¨ †bŠhvb ˆZwi,cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, †gvevBj †dvb G‡·mwiR, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨I exR msi¶Y I wecYb, †nv‡Uj GÛ †i÷y‡i›U, KwgDwbwU †m›Uvi,wm‡bgv GÛ G¨vwgDR‡g›U cvK©, ch©Ub K‡UR|

wejvBQwo nvjKv cÖ‡KŠkj, m-wgj, dyW cÖ‡mwms GÛ †÷vwis, Kv‡ViAvmevecÎ I Ab¨vb¨ mvgMÖx, euvk I †e‡Zi mvgMÖx, Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g, eywUKm&, hvÎxevnx I ch©UK‡`iR‡b¨ †bŠhvb ˆZwi, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, †gvevBj †dvb G‡·mwiR, ¯’vbxq cwienb|

m`i†dbx21 nvjKv cÖ‡KŠkj, c-vw÷K †Ljbv, †UBjvwis, †eKvix, c-v‡›Ukb,cvBKvwi I LyPiv †`vKvb, †gvevBj †dvb G‡·mwiR wecYb, †mvjvi cvIqvi, WvqvMbw÷K †m›Uvi, wK¬wbK, weDwU cvj©vi,wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, †Rbv‡iUi Gi gva¨‡gwe`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj I †i÷y‡i›U,W«vM nvDR, mvBevi K¨v‡d, cwi‡ek-evÜe †QvU ˆe`y¨wZK

RyivQwo HivR¯’wj HbvwbqviPi HevNvBPwo H

H

H

eiKj

js`y

QvMjbvBqv H

H

H

†mvbvMvRx

`vMbfyuTv

ciïivg m-wgj, dyW cÖ‡mwms GÛ †÷vwis, Kv‡Vi Avmeve I Ab¨vb¨ mvgMÖx,euvk I †e‡Zi mvgMÖx, Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g,eywUKm&, c-v‡›Ukb| cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, Kw¤úDUvi †U«wbs ¯‹yj, wWwRUvj Kvjvi j¨ve, †Rbv‡iUi Gi gva¨‡gwe`y¨r weZiY, †nv‡Uj GÛ †i÷y‡i›U, wm‡bgv GÛ G¨vwgDR‡g›U cvK©|

dyjMvRx K„wl hš¿cvwZ ˆZwi, Avw`evmx n¯—wkí I †Kvgi ZuvZ, gvki“g,euvk I †e‡Zi mvgMÖx, †UBjvwis, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n myavivg†bvqvLvjx22 K„wl hš¿cvwZ, nvjKv cÖ‡KŠkj, c-vw÷K mvgMÖx, †UBjvwis,

†eKvix, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †gvevBj †dvbGK‡mmwiR wecYb, †mvjvi cvIqvi, WvqvMbw÷K †m›Uvi,wK¬wbK, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&,†Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj I †i÷y‡i›U, W«vM nvDR, mvBevi K¨v‡d,cwi‡ek-evÜe †QvU ˆe`y¨wZK cwienb|

†Kv¤úvbxMÄ K„wl hš¿cvwZ, nvjKv cÖ‡KŠkj, c-vw÷K mvgMÖx, †UBjvwis,†eKvix, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †gvevBj †dvbGK‡mmwiR wecYb, †mvjvi cvIqvi, WvqvMbw÷K †m›Uvi,wK¬wbK, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim,†Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj I †i÷y‡i›U, W«vM nvDR, mvBevi K¨v‡d,cwi‡ek-evÜe †QvU ˆe`y¨wZK cwienb|

nvwZqv K„wl hš¿cvwZ, nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †gvevBj †dvb G‡·mwiR wecYb, †mvjvi cvIqvi, d‡Uv ÷ywWI, W«vM nvDR|

PvUwLj nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb,†mvjvi cvIqvi|

†eMgMÄ K„wl hš¿cvwZ ˆZwi, nvjKv cÖ‡KŠkj, †UBjvwis, †eKvix,c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †mvjvi cvIqvi, WvqvMbw÷K †m›Uvi, wK¬wbK, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, †Rbv‡iUi Gi gva¨‡g we`y¨rweZiY, †nv‡Uj GÛ †i÷y‡i›U, W«vM nvDR, mvBevi K¨v‡d|

†mbevM H

m`ij¶xcyi23 K…wl hš¿cvwZ ˆZwi, mqvweb Pvl, nvjKv cÖ‡KŠkj, †UBjvwis,†eKvix, c-v‡›Ukb, †mvjvi cvIqvi, WvqvMbw÷K †m›Uvi, wK¬wbK,weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, †Rbv‡iU‡ii gva¨‡g we`y¨rweZiY BZ¨vw`|

ivgMÄ nvjKv cÖ‡KŠkj, †UBjvwis, †eKvix, c-v‡›Ukb, †mvjvi cvIqvi, weDwU cvj©vi, d‡Uv ÷zwWI, †Rbv‡iU‡ii gva¨‡g we`y¨r weZiY BZ¨vw`|

ivqcyiv nvjKv cÖ‡KŠkj, †UBjvwis, †eKvix, c-v‡›Ukb, gwiP/gkjv cÖwμqvKiY, †mvjvi cvIqvi, weDwU cvj©vi, d‡Uv ÷zwWI, †Rbv‡iU‡ii gva¨‡g we`y¨r weZiY BZ¨vw`|

ivgMwZ nvjKv cÖ‡KŠkj, †UBjvwis, †eKvix, c-v‡›Ukb, †mvjvi cvIqvi, WvqvMbw÷K †m›Uvi, wK¬wbK, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, †Rbv‡iU‡ii gva¨‡g we`y¨r weZiY BZ¨vw`|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n Kywgj-v m`iKywgj-v24 Lvw` wkí, Lvw`i ˆZwi wewfbœ mvgMÖx wecYb, wgwó ˆZwi, wcÖw›Us

†cÖm, nvjKv cÖ‡KŠkj, †UBjvwis, †eKvix, evwUKm/eywUKm, RyZv ˆZwi, dyW cÖ‡mwms, †cvwë«, †WBix GÛ wdk dxW, mvaviY I d¨vk‡bej †gvgevwZ ˆZwi, gmjv ¸uovKiY, †QvU wcÖw›Us I c¨v‡KwRs, †UBjvwis, †gwk‡b gywo I wPuov ˆZwi, weªK wdì,c-v‡›Ukb, cvBKvwi I LyPiv †`vKvb, †gvevBj †dvb G‡·mwiRwecYb, †mvjvi cvIqvi, WvqvMbw÷K †m›Uvi, wK¬wbK, Kw¤úDUvi†U«wbs ¯‹yj, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, K¨vejAcv‡iUim, †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ †i÷y‡i›U, W«vM nvDR, mvBevi K¨v‡d, cwi‡ek-evÜe †QvU ˆe`y¨wZK cwienb, B‡›Uwiqi GÛG·Uvibvj †W‡Kv‡ikb, KwgDwbwU †m›Uvi, †Kvì †÷v‡iR|

m`iPuv`cyi25 wcÖw›Us †cÖm, nvjKv cÖ‡KŠkj, dvwb©Pvi, wgé GÛ †WBix dvg©,†eKvix, evwUKm/eywUKm, RyZv ˆZwi KviLvbv, dyW cÖ‡mwms,†cvwë«, †WBix GÛ wdk wdW, ‡gvgevwZ ˆZwi, gmjv ¸uovKiY,wgwó ˆZwi, †QvU KvU©b, †j‡ej ˆZwi, †QvU wcÖw›Us I c¨v‡KwRs,†UBjvwis, †gwk‡b gywo I wPuov ˆZwi, eidKj, c-v‡›Ukb,cvBKvwi I LyPiv †`vKvb, gkjv RvZxq c‡Y¨i c¨v‡KUKiY I wecYb, W«vM nvDR, †gvevBj †dvb G‡·mwiR, WvqvMbw÷K†m›Uvi, wK¬wbK, Kw¤úDUvi †U«wbs ¯‹yj, weDwU cvj©vi, wWwRUvj Kvjvi j¨ve, K¨vej Acv‡iUim&, †Rbv‡iUi Gi gva¨‡g we`y¨rweZiY, Lv`¨ exR msi¶Y I wecYb, †nv‡Uj GÛ †i÷y‡i›U,cwi‡ek-evÜe †QvU ˆe`y¨wZK cwienb, KwgDwbwU †m›Uvi, mvBevi K¨v‡d, †Kvì †÷v‡iR|

eywoPs nvjKv cÖ‡KŠkj, †UBjvwis, ebvqb, cvBKvwi I LyPiv †`vKvb,†mvjvi cvIqvi, mvBevi K¨v‡d, mewR Drcv`b I msi¶Y, Avjy msi¶YvMvi|

eªvþYevwoqv Hei“ov HjvKmvg H†PŠÏMÖvg Hjv½j‡KvU H†`exØvi HPvw›`bv Hgyiv`bMi H`vD`Kvw›` H†nvgbv H†KvZqvjx H

gZje (`w¶Y) nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, LyPiv I cvBKvwi †`vKvb,W«vM nvDR, †gvevBj †dvb G‡·mwiR|

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Lyjbv AÂj t

36

μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n ewUqvNvUvLyjbv26 grm¨ Pvl (wPswo I mv`v gvQ), n¨vPvix, bvm©vix, gyiwMi ev”Pv

Drcv`b, PvZvj e¨emv, †mvjvi c¨v‡bj, †gvevBj †mU I wewfbœhš¿vs‡ki e¨emv|

gZje (DËi) HKPyqv nvjKv cÖ‡KŠkj, †UBjvwis, c-v‡›Ukb, LyPiv I cvBKvwi †`vKvb,

W«vM nvDR, †gvevBj †dvb G‡·mwiR|

kvnvivw¯— H

H

H

nvRxMÄ

dwi`MÄ

HnvBgPi

cvBKMvQv grm¨ Pvl (wPswo I mv`v gvQ), n¨vPvix, bvm©vix, PvZvj e¨emv,†mvjvi c¨v‡bj|

`v‡Kvc grm¨ Pvl (wPswo I mv`v gvQ), n¨vPvix, †cvwë« Lvgvi, PvZvj e¨emv|

Kqiv grm¨ Pvl (wPswo I mv`v gvQ)|Wygywiqv bvm©vix, gyiwMi ev”Pv Drcv`b, PvZvj e¨emv, grm¨ Pvl (wPswo I

mv`v gvQ), bvm©vix, wewfbœ cÖKvi dyj Pvl, †cvwë« Lvgvi|

dyjZjv bvm©vix, PvZvj e¨emv, grm¨ Pvl (wPswo I mv`v gvQ)|†`ŠjZcyi ivBm wgj, nvW©Iqvi mvgMÖx, †gwWwmb, we¯‹yU d¨v±ix, grm¨ Pvl

(wPswo I mv`v gvQ), I †U«W|

†ZiLv`v grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi, PvZvj e¨emv|iƒcmv grm¨ Pvl (wPswo I mv`v gvQ), grm¨ †U«W, †mvjvi c¨v‡bj,

†gvevBj †mU I wewfbœ hš¿vsk|

Kjv‡ivqv Avg Pvl I †U«wWs, wewfbœ cÖKvi dyj Pvl, ißvwb‡hvM¨ gvwUi Uvwj, g‡bv‡m· †Zjvwcqv I cvsMvm gvQ Pvl|

Zvjv grm¨ Pvl (wPswo I mv`v gvQ), Avjy Pvl, wngvMvi I †MvWvDb|

†`envUv grm¨ Pvl (wPswo I mv`v gvQ), n¨vPvix, †mvjvi c¨v‡bj, †gvevBj†mU I wewfbœ hš¿vs‡ki e¨emv|

Avkvïwb wPswo Pvl, nvjKv BwÄwbqvwis IqvK©kc|

KvwjMÄ wPswo Pvl, wewfbœ ¶y`ª e¨emv|

k¨vgbMi wPswo Pvl, wewfbœ ¶y`ª e¨emv|

mvZ¶xiv m`imvZ¶xiv27 Avg Pvl I †U«wWs, cyivZb †jvnv-j°o (¯Œ¨vc) I Ry‡qjvixe¨emv|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n ev‡MinvU m`iev‡MinvU28 grm¨ Pvl (wPswo I mv`v gvQ), †nv‡Uj e¨emv, grm¨ I Lv`¨

cÖwμqvKiY|

h‡kvi m`ih‡kvi29 gUi cvU©m, bKkx Kuv_v, ZuvZ, n¨vwÛμ¨vdUm, gU‡ii ewW ˆZwi,BwÄwbqvwis IqvK©kc, nvW©Iq¨vi, n¨vPvix, †m‡W U‡g‡Uv Pvl, PvZvj e¨emv|

AfqbMi m-wgj, dvwb©Pvi wkí, mvi †U«wWs, wm‡g›U †U«wWs, `jMZfv‡egrm¨ Pvl (Rjve× fe`n GjvKvq), †gvevBj †mU I wewfbœhš¿vs‡ki e¨emv|

evNvicvov PvZvj e¨emv|

kvk©v PvZvj e¨emv, dyj, Kjv I †cu‡c Pvl|

wSKiMvQv dyj Pvl, PvZvj e¨emv|

gwbivgcyi PvZvj e¨emv, †gvevBj †mU I wewfbœ hš¿vs‡ki e¨emv|

†Kkecyi PvZvj e¨emv, wgwói †`vKvb|

†PŠMvQv PvZvj e¨emv, †gvevBj †mU I wewfbœ hš¿vs‡ki e¨emv|

g‡nkcyi AvL, gïi, Kjv Pvl I PvZvj e¨emv|

†KvUPuv`cyi AvL Pvl I PvZvj e¨emv|

KvwjMÄ AvL Pvl I wewfbœ cÖKvi Kyj Pvl|

nwiYvKyÛy AvL Pvl, cvb Pvl, †mvjvi c¨v‡bj I PvZvj e¨emv|

ˆkjKycv †cuqvR, imyb, ZvgvK, njy`, gwiP Pvl|

kªxcyi cvU †U«wWs, mewR Pvl, K„wl hš¿cvwZi e¨emv|

†gvnv¤§`cyi cvU †U«wWs, gwiP, wewfbœ cÖKvi dyj Pvl, Mvfx cvjb|

kvwjLv cvU †U«wWs, mewR Pvl, Mvfx cvjb|

wSbvB`n m`iwSbvB`n30 Kjv, fyÆv, ZvgvK, AvL Pvl, †mvjvi c¨v‡bj I PvZvj e¨emv|

gv¸iv m`igv¸iv31 cvU †U«wWs, PvZvj e¨emv|

†gvj-vnvU grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi I cv‡bi eiR|

dwKinvU H

wPZjgvix grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi, grm¨ Lv`¨cÖwμqvKiY|

ivgcvj grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi, dvwb©Pvi wkí|

KPyqv grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi|

†gv‡ojMÄ grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi, Kjv Pvl|gsjv grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi, grm¨ Lv`¨

cÖwμqvKiY|kib‡Lvjv grm¨ Pvl (wPswo I mv`v gvQ), †cvwë« Lvgvi|

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ivRkvnx AÂj t

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n m`i I ivRcvovivRkvnx34 ¸wU‡cvKvi Pvl I †ikg Drcv`b, wWRvBb I d¨vkbIq¨vi,

AvmevecÎ ˆZwi, Ry‡qjvix, d‡UvMÖvdx, wcÖw›Us, †÷kbvix, dyW cÖ‡mwms, grm¨ cÖwμqvRvZKiY, wUmy¨ KvjPv‡ii gva¨‡g Avjy Pvl, ÷«‡ewi I †÷wfqv Pvl, mdU&Iq¨vi wkí, g„rwkí, dyj Pvl, i“ivjU«v݇cvU©, K¤^j ˆZwi, ZviKvUv ˆZwi, jvBU BwÄwbqvwis, cv‡Uie¯—v ˆZwi, K„wl cÖ‡KŠkj, weªK wdì, U«v±i, cvURvZ `ªe¨, †QvUcvUKj, gvki“g Pvl, wimvBwK¬s wkí, wRAvB cvBc cÖ¯‘Z KviLvbv, nvDRIq¨vi, mv‡ii e¨emv, c¨v‡KwRs KviLvbv, wgVvcvwb‡Z wPswoPvl, `y»RvZ Lv`¨ ˆZwi, is ˆZwi, †gUvjBwÄwbqvwis, ¶z`ª e¨emv, Ily‡ai †`vKvb, †MÖvmvixkc, ˆZwi†cvkv‡Ki †`vKvb, PvgovRvZ mvgMÖx, ¯^v¯’¨‡mev I WvqvMbw÷K,`y» cÖwμqvRvZKiY, cïLv`¨ ˆZwi KviLvbv, wPuov Kj, djRvZ Lv`¨ cÖ¯‘ZKiY, dj cÖwμqvRvZKiY, msi¶Y I evRviRvZKiY, gmjv cÖwμqvRvZKiY, Rym, R¨vg, †Rwj, U‡g‡Uv mm, AvPvi BZ¨vw` ˆZwi I evRviRvZKiY, eid Kj ¯’vcb, nvievj/‡flRcÖmvabx ˆZwi, G¨vcvU©‡g›U ˆZwi, c-vw÷K wkí|

bovBj m`ibovBj32 wgwb U«vK μq, KywUi wkí, wPswo Pvl, †cvwëª dvg©|

†MvcvjMÄ m`i†MvcvjMÄ33 †cvwë« dvg©, mv`v gvQ Pvl|

†jvnvMov wgwb U«vK μq, †mvjvi c¨v‡bj|

Kvwjqv cv‡bi eiR, Kvco I RyZvi e¨emv|

†KvUvjxcvov †cvwë« dvg©, †mvjvi c¨v‡bj|Uy½xcvov AvL Pvl, ¶z`ª e¨emv|

Kvwkqvbx cvIqvi wUjvi μq, †cvwë« dvg©, †mvjvi c¨v‡bj|†gvK‡m`cyi cvU, mv`v gvQ Pvl, ¶z`ª e¨emv|

cev bvm©vix, Pvi‡Kvj ˆZwi, †eKvix, †μvKvwiR, †WBix I †cvwë«wkí, †ikg wkí, K„wl I †mP hš¿cvwZ, wPuov I gywo ˆZwi, †Zj I Wvj wgj, mv‡ii e¨emv|

evNv L‡qi ˆZwi, Avg cÖwμqvRvZKiY, gmjv cÖwμqvRvZKiY, evDKyj, Av‡cj Kyj, ¸o ˆZwi, wPuov I gywo ˆZwi, PvDj Kj, mv‡ii e¨emv|

evMgviv AvjyexR Drcv`b, evD Kyj/Av‡cj Kyj, mv‡ii e¨emv, gmjv cÖwμqvRvZKiY, K„wl I †mP hš¿cvwZ, wPuov I gywo ˆZwi, PvDj Kj, grm¨ Pvl|

†gvnbcyi AvjyexR Drcv`b (wUmy¨ KvjPvi), BUfvUv, cvb Drcv`b, †μvKvwiR mvgMÖx, wgVv cvwb‡Z wPswo Drcv`b, avb PvD‡jie¨emv, gyw` I fywl gv‡ji e¨emv, mv‡ii e¨emv|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n `~M©vcyi AvjyexR Drcv`b (wUmy¨ KvjPvi), PvDjKj, wm‡g‡›Ui wcjvi

wbg©vY, mv‡ii e¨emv|

cywVqv wm‡g‡›Ui wcjvi ˆZwi, Wvj fv½v‡bvi Kj, ¸o ˆZwi, B‡jKwU«KmvgMÖx weμq|

PviNvU grm¨ Pvl, wgwb myMvi wgj, njy` cÖ‡mwms, L‡qi ˆZwi, ¸o ˆZwi,fywl gv‡ji e¨emv, n¯—wkí, eywUK e¨emv, mv‡ii e¨emv|

†Mv`vMvox Pvi‡Kvj Drcv`b, cïLv`¨, ¶z`ª e¨emv, PvDjKj, mv‡iie¨emv|

Zv‡bvi mvi I KxUbvkK e¨emv, AvmevecÎ (KvV/÷xj) ˆZwi, K„wl I †mP hš¿cvwZ, †Zj I Wvj fv½v‡bvi wgj, mv‡ii e¨emv|

Ck¦i`x av‡bi PvZvj, AvUv Kj, cvURvZ wkí, wjPy Drcv`b evRviRvZKiY, AvmevecÎ ˆZwi, I‡qwìs wkí, †cvwë« wkí,mv‡ii e¨emv|

PvU‡gvni nvW©Iq¨vi, mewR Drcv`b, †cvwë« wkí, AvmevecÎ ˆZwi,g„rwkí, c¨v_jwR, grm¨Pvl, evDKyj I Av‡cj Kyj|

AvUNwiqv grm¨Pvl, cvURvZ wkí, Avmeve wkí, †WBix I †cvwë« wkí,mv‡ii e¨emv|

muvw_qv DbœZRv‡Zi Mvfx cvjb, ZuvZ wkí, †WBix I †cvwë« wkí,nvW©Iq¨vi, mv‡ii e¨emv|

myRvbMi gmjv RvZxq dmj Drcv`b, ZuvZ wkí, †WBix I †cvwë« wkí,PvDj Kj, nvW©Iq¨vi, mv‡ii e¨emv|

fvs¸iv †WBix I †cvwë« wkí, grm¨ Pvl, mv‡ii e¨emv|†eov Kvc‡oi e¨emv, Ilya, ZuvZwkí, †WBix I †cvwë« wkí|dwi`cyi †WBix I †cvwë« wkí, grm¨ Pvl, ¶z`ª e¨emv, mv‡ii e¨emv|

Mvsbx dyW cÖ‡mwms, †Mv Lv`¨, †WBix I †cvwë« wkí, cvb Drcv`b, Avjy msi¶YvMvi, Wvj fv½v‡bvi Kj, mv‡ii e¨emv|

gywRebMi †WBix I †cvwë« wkí, Avg cÖwμqvRvZKiY, ¶z`ª e¨emv, ch©Ubwkí, mv‡ii e¨emv|

wgicyi K„wlwfwËK wkí, †WBix I †cvwë« wkí|

m`icvebv35 wWRvBb I d¨vkbIq¨vi, AvmevecÎ ˆZwi, Ry‡qjvix, d‡UvMÖvdx,wcÖw›Us, ¯^v¯’¨, †÷kbvix, Gjwc M¨v‡mi wmwjÛvi, †nvwmqvix,I‡qwìs wkí, mv‡ii e¨emv|

m`i†g‡nicyi36 K„wlRvZ cY¨ ¸`vgRvZKiY, †WBix I †cvwë«, AvmevecÎ ˆZwi,evD Kyj, Av‡cj Kyj, bvm©vix, m-wgj, K„wl wfwËK wkí, cïLv`¨,mv‡ii e¨emv|

m`iKywóqv37 c¨v_jwR, nvjKv BwÄwbqvwis, Z_¨ cÖhyw³, cvg Pvl, KvUjvwi wkí, cv‡Ui e¯—v ˆZwi, PvZvj, Avmeve wkí, KywUi wkí, mv‡iie¨emv|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n KygviLvjx ZuvZ wkí, ¶z`ª e¨emv, KywUi wkí, ch©Ub wkí, mv‡ii e¨emv|

†LvKmv K„wlcY¨ ¸`vgRvZKiY, †WBix I †cvwë« wkí, ¶z`ª e¨emv, mv‡ii†fovgviv K„wlcY¨ ¸`vgRvZKiY, ch©Ub wkí, †Kvì †÷v‡iR, mv‡ii e¨emv|

†`ŠjZcyi grm¨ cÖwμqvRvZKiY, AvmevecÎ ˆZwi, ¶z`ª e¨emv, mv‡ii e¨emv|grm¨ Pvl-mv`v gvQ, n¨vPvix, bvm©vix, gyiwMi ev”Pv Drcv`b, PvZvj e¨emv, †mvjvi c¨v‡bj, †gvevBj †dvb I wewfbœ hš¿vs‡kie¨emv Ges ZuvZ wkí|grm¨ Pvl-mv`v gvQ, n¨vPvix, AvL Pvl, ZvgvK Pvl, Kjv, †cu‡c, fyÆvPvl, cv‡bi eiR, avb-Pv‡ji PvZvj e¨emv Ges †gvevBj †dvb e¨emv|grm¨ Pvl-mv`v gvQ, n¨vPvix, AvL Pvl, fyÆv Pvl, cv‡bi eiR, avb-Pv‡ji PvZvj Ges †gvevBj †dvb e¨emv|grm¨ Pvl-mv`v gvQ, wewfbœ cÖKvi Kzj Pvl, AvL Pvl, fyÆv Pvl, PvZvj e¨emv Ges †gvevBj †dvb e¨emv|

m`iPuvcvB beveMÄ39

38

G¨vjywgwbqvg †μvKvwiR, U‡g‡Uv cÖ‡mwms, bKkxKuv_v, wcZj wkí,ev‡qvM¨vm c-v›U, †WBix I †cvwë« wkí, PvDj Kj, Avg cÖwμqvRvZKiYI evRviRvZKiY, mv‡ii e¨emv, grm¨ Pvl, Kuvmv wkí|

m`iPzqvWv½v

AvjgWv½v

`vgyiû`v

Rxeb bMi

m`ibv‡Uvi40 e¯¿ weZvb, Kjv Drcv`b, `y» cÖwμqvRvZKiY, wgwó e¨emv,grm¨ Lv`¨, cïLv`¨, iW wm‡g‡›Ui e¨emv, nvW©Iq¨vi, Ily‡ai†`vKvb, ˆZwi †cvkvK, †nv‡Uj-†i‡¯—viuv, PvZvj, dyW cÖ‡mwms,B‡jKU«wb·, AvmevecÎ ˆZwi, Pvgov wkí, ¯^v¯’¨ †mev, †eKvix,wPbvev`vg, evDKyj, †cqviv, ¸o ˆZwi, c¨v‡KwRs, c¨v_jwR,cwienb, Avg/dj cÖwμqvRvZKiY, ev`¨hš¿ ˆZwi, cvi‡U· wkí,gvki“g Pvl, B¶z cÖ‡mwms, mv‡ii e¨emv|

wkeMÄ dyW cÖ‡mwms (Avg), †ikg, jv¶¨v Pvl, †WBix I †cvwë« wkí,KywUi wkí, c¨v_jwR †m›Uvi/wK¬wbK, ¶z`ª e¨emv, mv‡ii e¨emv|

bv‡Pvj †WBix wkí, PvZvj, ¶z`ª e¨emv, mv‡ii e¨emv|†Mvg¯—vcyi dyW cÖ‡mwms (Avg), †ikg, jv¶¨v Drcv`b, †WBix I †cvwë«

wkí, KywUi wkí, ¶z`ª e¨emv, mv‡ii e¨emv|†fvjvnvU Av‡gi Drcv`bce© wiqvwis, Avg cÖwμqvRvZKiY I evRviRvZKiY,

†ikg, PvDj Kj, †WBix I †cvwë« wkí, mv‡ii e¨emv|

¸i“`vmcyi gmjv RvZxq dmj Drcv`b, grm¨ Pvl, PvgovRvZ wkí, PvDj Kj, cvU I cvURvZ `ªe¨ ˆZwi, mv‡ii e¨emv, cï Lv`¨ ˆZwi

evMvwZcvov Jlwa MvQ Drcv`b, †WBix dvg©, †cvwë« dvg©, grm¨ Pvl, mv‡iie¨emv, cï Lv`¨|

eovBMÖvg Jlwa MvQ Drcv`b, †WBix dvg©, †cvwë« dvg©, nvjKv cÖ‡KŠkj,c¨v_jwR/nvmcvZvj, cï Lv`¨, mv‡ii e¨emv|

wmsov PvbvPyi, †eªW we¯‹yU, grm¨ Pvl, †WBwi dvg©, Kuvmv wkí, K„wlwfwËK wkí, KywUi wkí, n¨vwÛμ¨vdU, mv‡ii e¨emv|

jvjcyi PvDj Kj, †WBix dvg©, †cvwë« dvg©, k•L wkí, wPwb/¸o wkí,mv‡ii e¨emv|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n e¸ov m`ie¸ov41 nvjKv K„wl hš¿cvwZ, PvZvj e¨emv, avb fv½v‡bv Kj/eqjvi,

†cvwë«, n¨vPvix, †Kvì †÷v‡iR, eywUK KviLvbv, n¨vwÛμ¨vdU(gwnjv D‡`¨v³v), †eªW, we¯‹yU †eKvix/dyW g¨vbyd¨vKPvwisd¨v±ix, e¨vUvix, ev‡qvM¨vm c-v›U, bvm©vix, c-vw÷K d¨v±ix,RyUwgj, IqvUvi cv¤ú †gwkb G‡·mwiR ˆZwii KviLvbv|

wkeMÄ av‡bi PvZvj, †cvwë«/n¨vPvix, ¯^qswμq PvjKj, bvm©vix, weªKwdì, †Kvì †÷v‡iR, RyUwgj|

†mvbvZjv av‡bi PvZvj, n¨vPvix, g¨vP d¨v±ix, kxZe¯¿ ˆZwii KviLvbv, Kv‡c©›Uvix Uyjm|

`ycPuvwPqv av‡bi PvZvj, wgkª mvi KviLvbv, kxZe¯¿ ˆZwii KviLvbv, Gbv‡gj wkí|

Kvnvjy PvZvj e¨emv, †cvwë«/n¨vPvix, e¨vM g¨vbyd¨vKPvwis BÛvw÷«R,A‡qj wgj, cví GÛ †ccvi BÛvw÷«R|

bIMuv m`ibIMuv42 PvZvj e¨emv, Pvi‡Kvj KviLvbv, n¨vÛjyg KviLvbv, wPuov, gywo/dyW d¨v±ix|

RqcyinvU m`iRqcyinvU43 PvZvj e¨emv, BwÄwbqvwis IqvK©kc (Kvgvi kvjv), †cvwë« wdW|

MvBevÜv m`iMvBevÜv44 PvZvj e¨emv|

MveZjx av‡bi PvZvj|mvwiqvKvw›` av‡bi PvZvj, n¨vPvix|Av`g`xwN PvZvj e¨emv, kxZe¯¿ ˆZwii KviLvbv|aybU ev‡qvM¨vm c-v›U|b›`xMÖvg av‡bi PvZvj|†kicyi av‡bi PvZvj, bvm©vix (mvDw`qv)|

mvcvnvi av‡bi PvZvj|

avgyinvU av‡bi PvZvj|cZœxZjv av‡bi PvZvj|†cvikv av‡bi PvZvj|e`jMvQx av‡bi PvZvj|

wbqvgZcyi av‡bi PvZvj|

KvjvB PvZvj e¨emv, †cvwë« wdW/†cvwë«, †Kvì †÷v‡iR|†¶Zjvj PvZvj e¨emv|Av‡°jcyi PvZvj e¨emv, cv_i †K‡U kxjcvUv ˆZwii KviLvbv|cuvPwewe PvZvj e¨emv|

my›`iMÄ PvZvj e¨emv|mv`yj¨vcyi PvZvj e¨emv|cjvkevwo PvZvj e¨emv|

gnv‡`ecyi PvZvj e¨emv, Pvi‡Kvj KviLvbv|

e¸ov AÂj t

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wm‡jU AÂj t

42

μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n wm‡jU m`iwm‡jU46 gwbcyix ZuvZ I n¯— wkí, euvk, †eZ I kxZj cvwU ˆZwi,

Pvi‡Kvj, B‡jKwU«K mvgMÖx, nvW©Iq¨vi, m¨vwbUvix, wmivwgK, UvBjm, gyw` e¨emv, weªK, †c‡Uªvwjqvg `ªe¨vw`i e¨emv, †nv‡Uj†i‡¯—viuv, e¯¿ e¨emv, gq`v-wPuov-gywo wgj, eidKj, ˆZRmc‡Îie¨emv, †eKvix, KvV I ÷xj mvgMÖxi e¨emv, B‡jKwU«K cyj, we‡bv`b cvK©/we‡bv`b ¯úU, ch©Ub, AvBwU, Pv wkí, †ijI‡qw¯-cvi ˆZwi, R¨vg/†Rjx/AvPvi wkí BZ¨vw`|

†gŠjfxevRvi†gŠjfx evRvi47 weªK, KvV, gyw` e¨emv, grm¨ Drcv`b, †cvwë«|

`w¶Y myigv wcÖw›Us I c¨v‡KwRs wkí, K„wl hš¿cvwZ, Pv wkí, cyivZb B¯úvZI †jvnvi e¨emv, cyivZb c-vw÷K `ªe¨vw` wimvBwK¬s cÖKí|

dyjQwoNvU PvZvj e¨emv|

wmivRMÄ m`iwmivRMÄ45 ZuvZ wkí, PvZvj e¨emv, w¯úwbs wgj, †cvwë« wdW g¨vbyd¨vKPvwis wgj|

†Mvwe›`MÄ nvjKv cÖ‡KŠkj, kxZe¯¿ ˆZwii KviLvbv|

mvNvUv PvZvj e¨emv|

KvRxcyi ZuvZ wkí, PvZvj e¨emv|Zvovk PvZvj e¨emv|

†ejKywP ZuvZ wkí, PvZvj e¨emv|†PŠnvwj PvZvj e¨emv|kvnRv`cyi PvZvj e¨emv, ZuvZ wkí, †WBix dvg©|

Dj-vcvov PvZvj e¨emv, ZuvZ wkí, A‡qj wgj|KvgviL›` PvZvj e¨emv, dyW g¨vbyd¨vKPvwis wgj, †cvwë« wdW g¨vbyd¨vKPvwis|

ivqMÄ kxZj cvwU ˆZwii KviLvbv|

evjvMÄ weªK, gyw` e¨emv, kxZj cvwU Drcv`b, †eZ I n¯— wkí|

†MvqvBbNvU cv_i I evwji e¨emv, gyw` e¨emv|ˆRš—vcyi evwj I cv_‡ii e¨emv, Gjwc M¨vm c-v›U|

†MvjvcMÄ grm¨ Pvl I cÖwμqvRvZKiY, Gjwc M¨vm c-v›U|KvbvBNvU gyw` e¨emv, weªK, KvV, evwj I cv_‡ii e¨emv|

weqvbxevRvi grm¨ Pvl, KvV e¨emv, bvm©vix, weªK wdì, †nv‡Uj e¨emv,KwgDwbwU †m›Uvi, Gjwc M¨vm c-v›U|

†Kv¤úvbxMÄ cv_i I evwji e¨emv|

†dÂyMÄ gyw` e¨emv, Lv`¨ `ªe¨vw`i e¨emv|

wek¦bv_ KvV I ÷xj mvgMÖxi e¨emv, gyw` e¨emv|

KyjvDov gyw` e¨emv, Pv-evMvb, exR Drcv`b, msi¶Y I wecYb|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n Ryox dj cÖwμqvRvZKiY, Kgjv Pvl, †ijI‡q w¯-cvi ˆZwi|eo‡jLv AvMi Pvl, AvMi evwZ I AvMi wkí, KvV e¨emv, we‡bv`b cvK©|kªxg½j AvMi Pvl, AvMi evwZ I AvMi wkí, Pv-evMvb, †jey I Avbvim

Drcv`b I cÖwμqvRvZKiY, †cvwë«, R¨vg/†Rjx/AvPvi Drcv`b, grm¨ Pvl, KvV e¨emv, ch©Ub I we‡bv`b cvK©|

KgjMÄ gwbcyix ZuvZ wkí, mewR cÖwμqvRvZKiY, ch©Ub, we‡bv`b cvK©|

ivRbMi exR Drcv`b, msi¶Y I wecYb|

nweMÄ m`inweMÄ48 wi‡qj G‡÷U e¨emv, gyw` e¨emv, wmivwgK, Lv`¨cÖwμqvRvZKiY, I‡qwìs KviLvbv, `y» Lvgvi, †iYy †cvbvDrcv`b, grm¨ Lvgvi, wdk wdW, cï Lv`¨ ˆZwii KviLvbv, wgkªLvgvi, Lv`¨ cÖwμqvRvZKiY wkí|

m`imybvgMÄ49 K…wl hš¿cvwZ ˆZwi, PvjKj, gywo I wPuov Drcv`b KviLvbv, AvBmμxg wkí, grm¨ Lvgvi, n¨vPvix, †QvU-eo Kv‡Vi †bŠKv ˆZwi|

evwbqvPs nuvm-gyiwMi Lvgvi, grm¨ Lvgvi, wdk wdW, †iYy †cvbv Drcv`b, wngvMvi, eidKj, grm¨ AvniY-msi¶Y I weZiY, `y» Lvgvi|

AvR‡gixMÄ nuvm-gyiwMi Lvgvi, `y» Lvgvi, grm¨ Lvgvi, wdk wdW, †iYy †cvbvDrcv`b, wngvMvi, eidKj, grm¨ AvniY-msi¶Y I weZiY|

Pybvi“NvU `y» Lvgvi, Pv-wkí, n¯— I KywUi wkí, wgkª Lvgvi|evûej `y» Lvgvi, Pv-wkí|jvLvB nuvm-gyiwMi Lvgvi|bexMÄ `y» Lvgvi, grm¨ Lvgvi, wdk wdW, †iYy †cvbv Drcv`b, grm¨

AvniY-msi¶Y I weZiY|

gvaecyi Pv-wkí, n¯— I KywUi wkí, wgkª Lvgvi, †Kvì †÷v‡iR|

Zvwnicyi ÷x‡ji †bŠKv ˆZwi, PvjKj, gywo I wPuov Drcv`b KviLvbv, AvBmμxg wkí, grm¨ Lvgvi, n¨vPvix|

RvgvjMÄ evjy e¨emv, grm¨ Lvgvi, n¨vPvix|

†`vqvivevRvi K…wl hš¿cvwZ ˆZwi, grm¨ Lvgvi, n¨vPvix|

wek¦¤¢icyi K…wl hš¿cvwZ ˆZwi, PvjKj, gywo I wPuov Drcv`b KviLvbv, AvBmμxg wkí, grm¨ Lvgvi, n¨vPvix †QvU-eo Kv‡Vi †bŠKv ˆZwi|

QvZK K…wl hš¿cvwZ ˆZwi, PvjKj, gywo I wPuov Drcv`b KviLvbv, wcÖw›Us †cÖm,evjy I Pzbvcv_‡ii e¨emv, wm‡g›U e¨emv, †QvU-eo Kv‡Vi †bŠKv ˆZwi|

w`ivB K…wl hš¿cvwZ ˆZwi, PvjKj, gywo I wPuov Drcv`b KviLvbv|

RMbœv_cyi K…wl hš¿cvwZ ˆZwi, PvjKj, gywo I wPuov Drcv`b KviLvbv, wcÖw›Us †cÖm,evjy I Pzbvcv_‡ii e¨emv, wm‡g›U e¨emv, †QvU-eo Kv‡Vi †bŠKv ˆZwi|

aigcvkv K…wl hš¿cvwZ ˆZwi, PvjKj, gywo I wPuov Drcv`b KviLvbv, K…wlhš¿cvwZ wecbb, AvBmμxg wkí|

kvj-v grm¨ Pvl I n¨vPvix|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n m`iewikvj50 grm¨ cÖwμqvRvZKiY KviLvbv, grm¨ n¨vPvix, K…wlRvZ cY¨

Drcv`b dvg©, bvi‡KjRvZ cY¨, PvZvj e¨emv, cvb eiR, BU fvUv, c¨v‡KwRs wkí, m¨vwbUvix mvgMÖx wbg©vY, BwÄwbqvwis IqvK©kc|

wnRjv grm¨ Pvl, †cvwë« dvg©, ˆZj wgj, Wv‡ji wgj, Uªjvi wbg©vY|†MŠib`x `y»RvZ Lv`¨ cÖwμqvRvZKiY, grm¨ Pvl, PvZvj e¨emv,

n¯—PvwjZ ZuvZ wkí, †cvwë« dvg©, B‡Ui fvUv, KvMR, euvk I †eZwfwËK KzwUi wkí|

gyjv`x grm¨ Pvl, m¨vwbUvix mvgMÖx wbg©vY, †cvwë« dvg©, ˆZj wgj, Wv‡jiwgj|

†g‡n›`xMÄ Uªjvi wbg©vY, grm¨ Pvl, m¨vwbUvix mvgMÖx wbg©vY, †cvwë« dvg©,ˆZj I Wv‡ji wgj|

eveyMÄ PvZvj e¨emv, m¨vwbUvix mvgMÖx wbg©vY, BU fvUv, grm¨ Pvl|

ewikvj AÂj t

ev‡KiMÄ kxZj cvwU, †nvMjv cvZvi cvwU ˆZwii KzwUi wkí, Kygvi wkí,grm¨ I †cvwë« Lvgvi, cvb eiR|

Av‰MjRvov eqb wkí (†nvMjvi cvZvi cvwU), grm¨ I †cvwë« Lvgvi|

DwRicyi Kvgvi wkí, Kygvi wkí, cvb eiR, grm¨ I †cvwë« Lvgvi|

evbvixcvov PvZvj e¨emv, †cqviv I Avgov Drcv`b, AvmevecÎ ˆZwiKviLvbv, mewRi Pviv I exR Drcv`b|

bjwQwU AvmevecÎ, grm¨ I wPswo Pvl, †nv‡Uj e¨emv, ¯^Y© wkí|ivRvcyi Kvc‡oi †`vKvb, †UBjvwis, †nv‡Uj e¨emv, ¯^Y© wkí|

KvVvwjqv †nv‡Uj e¨emv, ¯^Y© wkí, grm¨, Lv`¨ cÖwμqvRvZKiY|

evDdj g„rwkí|

KvDLvwj Pvj I Kvc‡oi e¨emv, mycvwi I bvm©vix e¨emv, `y» Lvgvi I QvMj Lvgvi|

wRqvbMi †eKvix, PvZvj, †÷kbvix I Km‡gwUKm e¨emv|bvwRicyi grm¨ Pvl, †cvwë« dvg©, †UBjvwis, RyZvi e¨emv, mv‡ii e¨emv|gVevwoqv Mv‡g©›Um, †cvwë« dvg©, Pvj I wU‡bi e¨emv, m-wgj, wPswo I mv`v

gv‡Qi Pvl, wm‡g›U e¨emv|

†bQvivev`(¯^iƒcKvwV)

†cqvivRvZ cY¨, bvi‡KjRvZ cY¨, AvgovRvZ cY¨, bvm©vix,iW I wm‡g›U, Pv‡ji e¨emv, mvi I wK¬wbK, grm¨ Pvl, †cvwë«dvg©|

fvÛvwiqv Pv‡ji e¨emv, Kvc‡oi e¨emv, †cvwë« dvg©, mv`v gvQ Pvl, m-wgj, Pv‡ji K‡ji e¨emv|

m`iSvjKvVx51 grm¨ I wPswo Pvl, †nv‡Uj e¨emv, ¯^Y© wkí|

m`iwc‡ivRcyi52 Kvgvi I Kygvi wkí, Kvco I RyZvi e¨emv, †gvevBj †dvb, ¯^Y©wkí|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n m`iei¸bv53 †cvwë« dvg©, wK¬wbK, dv‡g©mx, †UBjvwis, wcÖw›Us †cÖm, nvW©Iq¨vi,

m-wgj, WvqvMbw÷K †m›Uvi|

m`icUyqvLvjx54 wK¬wbK, dv‡g©mx, nvW©Iq¨vi, `y» Lvgvi, †cvwë« Lvgvi, AvBm c-v›U, grm¨ I `y» Lvgvi|

m`i†fvjv55 BwÄwbqvwis IqvK©kc, gUi cvU©m, †c‡U«vj cv¤ú, nvW©Iq¨vi,n¨vPvix, †nv‡Uj e¨emv, Pvj cÖwμqvKiY, gvQ msi¶Y I cÖwμqvKiY, bvm©vix, kvKmewR Drcv`b I evRviRvZKiY, AvmevecÎ, mycvwi e¨emv|

†eZvMx gyw` I gwbnvwi †`vKvb, nvW©Iq¨vi, dvwb©Pvi †`vKvb, †eKvix I `y» Lvgvi|

evgbv `y» Lvgvi, †eKvix, †cvwë« Lvgvi|

AvgZjx wK¬wbK, dv‡g©mx, nvW©Iq¨vi, `y» Lvgvi, †eKvix, †cvwë« Lvevi, †UBjvwis, AvmevecÎ, grm¨ Lvgvi|

cv_iNvUv wK¬wbK, dv‡g©mx, nvW©Iq¨vi, `y» Lvgvi, †cvwë« Lvgvi, AvBm c-v›U, grm¨ Lvgvi, grm¨ Pvl I `y» Lvgvi|

evDdj Avmevec‡Îi †`vKvb, †eKvix, PvZvj, Pv‡ji AvoZ, †UBjvwis,`y» Lvgvi|

MjvwPcv ˆZjexR c-v›U, ïuUwK c-v›U, av‡bi PvZvj, Pv‡ji AvoZ, †eKvix,gwbnvwi I gyw` †`vKvb, `y» Lvgvi, wPswo Pvl|

gxR©vMÄ gyw` I gwbnvwi †`vKvb, dv‡g©mx, nvW©Iq¨vi, Pv‡ji AvoZ|

Kjvcvov ch©Ub wkí, mvgyw`ªK grm¨ cÖwμqvRvZKiY, ïuUwK c-v›U, `y»Lvgvi, PvZvj, Pv‡ji AvoZ, †UBjvwis, wPswo Pvl, AvBm c-v›U,euv‡ki cY¨, wdW wgj, †mŠi we`y¨Z I ev‡qvM¨vm|

`kwgbv Pv‡ji AvoZ, gwbnvix, nvW©Iqvi, †cvwë« dvg©, `y» Lvgvi, PvZvj|

`ygKx `y» Lvgvi, †eKvix, gyw` †`vKvb, nvW©Iq¨vi e¨emv|

†evinvbDwÏb BwÄwbqvwis IqvK©kc, gUi cvU©m, †c‡U«vj cv¤ú, nvW©Iq¨vi,n¨vPvix, †nv‡Uj e¨emv, Pvj cÖwμqvKiY, gvQ msi¶Y I cÖwμqvKiY, bvm©vix, kvKmewR Drcv`b I evRviRvZKiY|

ZRygwÏb Uªjvi wbg©vY I †givgZ, nvW©Iq¨vi, n¨vPvix, `y»RvZ cY¨Drcv`b, Pvj cÖwμqvKiY I evRviRvZKiY|

Pid¨vkb bvm©vix I ebvqb, mycvwii e¨emv, BwÄwbqvwis IqvK©kc, gUi cvU©m, †c‡U«vj cv¤ú, nvW©Iq¨vi, n¨vPvix, Pvj cÖwμqvKiY, gvQ msi¶Y I cÖwμqvKiY, kvKmewR Drcv`b I evRviRvZKiY|

†`ŠjZLuv U«jvi wbg©vY I †givgZ, nvW©Iq¨vi, n¨vPvix, bvm©vix, `y»RvZ cY¨Drcv`b, m-wgj, Pvj cÖwμqvKiY|

jvj‡gvnb H

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n

cvjskixqZcyi56 ˆe`y¨wZK mvgMÖxi e¨emv, B‡Ui fvUv, †cvwë« dvg©, fylv gvj I wcZ‡ji e¨emv|

m`igv`vixcyi57 ¸‡oi e¨emv, KywUi wkí, gmjv Drcv`b|

m`iiscyi58 n¯—wkí (kZiw ˆZwi), mvevb wkí, wcÖw›Us, c¨v‡KwRs I evBwÛswkí, ivevi Pvl, c-vw÷K mvgMÖx, AvUv I mywR ˆZwi, cvU I cvURvZ wkí (PU, myZwj ˆZwi), `y» Lvgvi, ¯^v¯’¨‡mev (wK¬wbK,weDwU cvj©vi, wRg‡bwmqvg), e-K, eywUK I GgeªqWvix, †flR I nvievj, Km‡gwU· cÖ¯‘ZKvix wkí, BDbvbx I Avqy‡e©`x Jla cÖ¯‘ZKvix wkí, ißvwbgyLx PvgovRvZ cY¨, ißvwbgyLx wngvwqZ Lv`¨, Kw¤úDUvi mdU&Iq¨vi I Z_¨ cÖhyw³ wkí, we‡bv`b, ¶z`ªcvIqvi c-v›U ¯’vcb BZ¨vw`|

wgVvcyKyi Avg †_‡K cví ˆZwi, wgj PvZvj, A‡Uv ivBm wgj, mycvwi cÖwμqvRvZKiY, K‡¤úv÷ mvi, ¸wU BDwiqv ˆZwi BZ¨vw`|

cxiMvQv `y» Lvgvi, grm¨ Lvgvi, ¯^v¯’¨‡mev, BU fvUv, †eKvix mvgMÖx ˆZwiBZ¨vw`|

cxiMÄ Kjv cÖwμqvRvZKiY, Avjy/mewR msi¶YvMvi, bvm©vix, ebvqb BZ¨vw`|

KvDwbqv n¯—wkí (Uywc ˆZwi), ev‡qv-M¨vm, ZvgvK wkí, cvi‡U·, †bŠhvbwkí BZ¨vw`|

e`iMÄ gywo ˆZwi KviLvbv, avb I Pvj e¨emv, g„r wkí, BU fvUv, ÷xj I Kv‡Vi AvmevecÎ, Pvi‡Kvj ˆZwi BZ¨vvw`|

M½vPov bxjPvl, ÷xj I Kv‡Vi AvmevecÎ, ZuvZ wkí, cvU I cvURvZ wkí (PU, myZwj ˆZwi) BZ¨vw`|

RvwRiv †cvwë« dvg©, grm¨ Pvl, Kv‡Vi e¨emv, Wvj Pvl, RyZvi e¨emv,dvwb©Pvi I Kv‡Vi e¨emv|

bwoqv cv‡Ui e¨emv, Kv‡Vi e¨emv, gmjv Drcv`b, Wvj Drcv`b, m-wgj, fylv gv‡ji e¨emv|

†f`iMÄ RyZvi e¨emv, Kjv Pvl, cv‡Ui e¨emv, AvL Pvl, ¸‡oi e¨emv,Kygvi wkí|

WvgyW¨v PvZvj e¨emv, ivBm wgj, Kv‡Vi e¨emv, AvL Pvl, ¸‡oi e¨emv,UvBjm I m¨vwbUvix e¨emv|

†MvmvBi nvU cv‡bi eiR, Avjy Pvl, B‡Ui fvUv, ˆZj exR, †cvwë« dvg©, gmjv Drcv`b|

KvjwKwb cv‡Ui e¨emv, IqvK©kc, gmjv Drcv`b|

iv‰Ri `y» Lvgvi, Kygvi wkí, Kv‡Vi e¨emv|

wkePi Mvfx cvjb, mewR Pvl, gmjv Drcv`b|

iscyi AÂj t

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n ZvivMÄ BU fvUv, PvZvj, ¶z`ª e¨emv, Pvgov wkí, ÷xj I Kv‡Vi AvmevecÎ|m`iKywoMÖvg59 cvU I cvURvZ wkí, wngvMvi, we‡bv`b †K›`« (aijv eªxR

GjvKvq), ¯^v¯’¨‡mev (wK¬wbK, weDwU cvj©vi, wRg‡bwmqvg), ¯§jcvIqvi c-v›U ¯’vcb BZ¨vw`|

bv‡Mk¦ix KvV wkí, euvk wkí, `y» Lvgvi, grm¨ Lvgvi, ¯^v¯’¨ †mev BZ¨vw`|

m`ijvjgwbinvU60 Pv wkí, †mP hš¿cvwZ ˆZwi, `y» Lvgvi, mycvwi cÖwμqvKiY, Kjv cÖwμqvKiY, †gŠ-gvwQ Pvl I gay Drcv`b, ¯^v¯’¨‡mev (wK¬wbK,weDwU cvj©vi, wRg‡bwmqvg), ¯§j cvIqvi c-v›U ¯’vcb BZ¨vw`|

m`ibxjdvgvix61 Av`v cÖwμqvRvZKiY, wmivwgK wkí, †cvkvK wkí, ch©Ub wkí,100% ißvwbgyLx e¯¿ wkí, ¯^v¯’¨‡mev (wK¬wbK, weDwU cvj©vi,wRg‡bwmqvg), ¯§j cvIqvi c-v›U ¯’vcb BZ¨vw`|

m`iw`bvRcyi62 wjPy I Avg cÖwμqvKiY, myMwÜ Pvj cÖwμqvKiY, PvZvj, Pv‡jieªvb †_‡K †fvR¨ ˆZj ˆZwi, A‡UvivBm wgj, ¯^v¯’¨‡mev (wK¬wbK,weDwU cvj©vi, wRg‡bwmqvg), ¯§j cvIqvi c-v›U|

dyjevox KvV wkí, euvk wkí, `y» Lvgvi, grm¨ Lvgvi BZ¨vw`|fyisMvgvix HivRvi nvU jUKb dj cÖwμqvRvZKiY, `y» Lvgvi, grm¨ Lvgvi BZ¨vw`|Dwjcyi `y» Lvgvi, grm¨ Lvgvi BZ¨vw`|

wPjgvix †bŠhvb wkí, `y» Lvgvi, grm¨ Lvgvi, g„r wkí, KywUi wkí (wSbyK †_‡K Pzb ˆZwi) BZ¨vw`|

†iŠgvix †bŠhvb wkí, grm¨ cÖwμqvKiY (ïuUwK) BZ¨vw`|

Pi ivwRecyi H

nvwZevÜv fyÆv cÖwμqvRvZKiY, cï/grm¨/nuvm gyiwMi Lv`¨ ˆZwi, wngvMvi ¯’vcb BZ¨vw`|

KvwjMÄ `y» Lvgvi, grm¨ Lvgvi, n¨vPvix ¯’vcb BZ¨vw`|

Avw`Zgvix `y» Lvgvi, grm¨ Lvgvi BZ¨vw`|

cvUMÖvg fyÆv cÖwμqvRvZKiY, `y» Lvgvi, grm¨ Lvgvi, cï/grm¨/nuvm-gyiwMi Lv`¨ ˆZwiKiY, cv_i msMÖn, cv_i †_‡K Aviwmwm LuywU ˆZwi BZ¨vw`|

†Wvgvi K„wl wfwËK wkí, ev‡qv-dvwU©jvBRvi, Avjy exR msi¶YvMvi,Avjy cÖwμqvRvZKiY BZ¨vw`|

wK‡kviMÄ Avjy exR msi¶YvMvi, K„wl wfwËK wkí BZ¨vw`|

RjXvKv K„wl wfwËK wkí, `y» Lvgvi ¯’vcb BZ¨vw`|

wWgjv grm¨ Lvgvi, K„wl wfwËK wkí ¯’vcb BZ¨vw`|

ˆmq`cyi ¸wU BDwiqv ˆZwi, BU fvUv, †eKvix wkí, Mv‡g©›Um, hvwš¿K wkí,¶z`ª wkí, UvBjm I wmivwgK wkí BZ¨vw`|

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μwgK bs †Rjvi bvg Dc‡Rjvi bvg GmGgB F‡Yi m¤¢vebvgq LvZmg~n exiMÄ wgj-PvZvj, bvm©vix, ebvqb BZ¨vw`|

Kvnv‡ivj avb PvD‡ji e¨emv, A‡UvivBm wgj BZ¨vw`|†evPvMÄ Pvi‡Kvj ˆZwi, wPwb wkí, BUfvUv BZ¨vw`|weij wjPy cÖwμqvKiY, wgj-PvZvj, `y» Lvgvi, grm¨ Lvgvi BZ¨vw`|Lvbmvgv avb PvD‡ji e¨emv, K„wlwfwËK wkí ¯’vcb BZ¨vw`|dyjevwo K„wlwfwËK ¶z`ª I gvSvwi wkí, avb PvD‡ji e¨emv, nvjKv

cÖ‡KŠkj hš¿cvwZ ˆZwi BZ¨vw`|wPwii e›`i myMwÜ Pvj cÖwμqvKiY, gywo, Pvj cÖ¯‘ZKiY, PvZvj, `y» Lvgvi,

grm¨ Lvgvi ¯’vcb BZ¨vw`|cve©Zxcyi ˆRe mvi, wgkª mvi I ¸wU BDwiqv ˆZwi, bvm©vix, n¯— wkí, nvjKv

cÖ‡KŠkj hš¿cvwZ I avb PvD‡ji e¨emv, A‡UvivBm wgj BZ¨vw`|weivgcyi nuvm, gyiwM I Mevw` cïi R‡b¨ Lv`¨ cÖ¯‘ZKvix wkí, PvZvj, `y»

I grm¨ Lvgvi ¯’vcb BZ¨vw`|nvwKgcyi K„wlwfwËK ¶z`ª I gvSvwi wkí, avb PvD‡ji e¨emv, wngvMvi,

ˆRe mvi, wgkª mvi I ¸wU BDwiqv ˆZwi KviLvbv ¯’vcb BZ¨vw`|

beveMÄ exR cÖwμqvRvZKiY, K„wlwfwËK ¶z`ª I gvSvwi wkí I avb PvD‡ji e¨emv|

†NvovNvU avb PvD‡ji e¨emv, K„wlwfwËK ¶z`ª I gvSvwi wkí, exR cÖwμqvRvZKiY I msi¶Y, `y» Lvgvi BZ¨vw`|

evwjqvWv½x dj, kvK-mewR I Wvj cÖwμqvKiY, †eªW GÛ we¯‹yU, †mgvB,jv”Qv, PvbvPyi cÖ¯‘ZKiY BZ¨vw`|

ivwbks‰Kj avb-PvD‡ji e¨emv, `y» Lvgvi, gywo I Pvj cÖ¯‘ZKiY BZ¨vw`|

nwicyi Avg cÖwμqvKiY, `y» Lvgvi, ˆRe mvi, wgkª I ¸wU BDwiqv mvi ˆZwi BZ¨vw`|

cxiMÄ avb-PvD‡ji e¨emv, `y» Lvgvi, gywo, Pvj cÖ¯‘ZKiY, exR cÖwμqvRvZKiY BZ¨vw`|

†`exMÄ wngvMvi, ¸uov gmjv ˆZwi, Avjy †_‡K Lv`¨ cÖwμqvRvZKiY BZ¨vw`|Av‡Uvqvix ÷xj I Kv‡Vi AvmevecÎ, avb-PvD‡ji e¨emv, `y» Lvgvi ¯’vcb BZ¨vw`|†ev`v exR cÖwμqvRvZKiY I msi¶Y, nuvm, gyiwM I Mevw` cïi R‡b¨

Lv`¨ cÖ¯‘ZKvix wkí, `y» Lvgvi, ißvwbgyLx cvURvZ cY¨Drcv`b BZ¨vw`|

†ZuZywjqv Pv wkí, cv_i D‡Ëvjb I cv_i †_‡K ˆe`y¨wZK wcjvi I AeKvVv‡gvMZ `ªe¨vw` cÖ¯‘ZKiY, ch©Ub †K›`ª ¯’vcb BZ¨vw`|

m`iVvKyiMuvIm`i

63 `y» Lvgvi, K„wlwfwËK ¶z`ª I gvSvwi wkí, PvgovRvZ cY¨, K„wlRvZcY¨ Drcv`‡b mnvqK hš¿ ˆZwi I ¯§j cvIqvi c-v›U ¯’vcb BZ¨vw`|

m`icÂMo64 Pv cÖwμqvRvZKiY, ÷«‡eix Pvl, cwj- cwienb, ¯^v¯’¨ †mev(wK¬wbK, weDwU cvj©vi, wRg), ch©Ub †K›`ª ¯’vcb, cv_i D‡Ëvjb,cv_i †_‡K ˆe`y¨wZK wcjvi I AeKvVv‡gvMZ `ªe¨vw` cÖ¯‘ZKiY,¯§j cvIqvi c-v›U ¯’vcb BZ¨vw`|

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GmGgB FY weZiY m¤úwK©Z ˆÎgvwmK weeiYx (cybtA_©vqb e¨ZxZ)

e¨vs‡Ki bvg t .................................................................ˆÎgvwm‡Ki bvg t .................................................................mvj t .................................................................

ms‡hvRbx ÔNÕ

(†KvwU UvKvq)

we‡eP¨ ˆÎgvwm‡KweZiYK…Z FY

we‡eP¨ eQ‡ii ïi“n‡Z we‡eP¨ ˆÎgvwmKch©š— †gvU weZiY

F‡YicÖK…wZ

DcLvZ D‡`¨v³viaib

eQ‡iij¶¨gvÎv

msL¨v cwigvY

j¶¨gvÎvimv‡_

weZi‡Yinvi msL¨v cwigvY

j¶¨gvÎvimv‡_

weZi‡Yi nvi

1 2 3 4 5 6 7 8 9 10

cyi“l

gwnjv

†mev

Dc‡gvU

cyi“l

gwnjv

e¨emv

Dc‡gvU

cyi“l

gwnjv

wkí

Dc‡gvU

¶z`ª

†gvU

cyi“l

gwnjv

†mev

Dc‡gvU

cyi“l

gwnjv

e¨emv

Dc‡gvU

cyi“l

gwnjv

wkí

Dc‡gvU

gvSvwi

†gvU

me©‡gvU

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50

GmGgB FY weZiY m¤úwK©Z ˆÎgvwmK weeiYx (cybtA_©vqb)

e¨vs‡Ki bvg t .................................................................ˆÎgvwm‡Ki bvg t .................................................................mvj t .................................................................

ms‡hvRbx ÔOÕ

(†KvwU UvKvq)

we‡eP¨ ˆÎgvwm‡KweZiYK…Z FY

we‡eP¨ eQ‡ii ïi“n‡Z we‡eP¨ ˆÎgvwmKch©š— †gvU weZiY

F‡YicÖK…wZ

DcLvZ D‡`¨v³viaib

eQ‡iij¶¨gvÎv

msL¨v cwigvY

j¶¨gvÎvimv‡_

weZi‡Yinvi msL¨v cwigvY

j¶¨gvÎvimv‡_

weZi‡Yi nvi

1 2 3 4 5 6 7 8 9 10

cyi“l

gwnjv

†mev

Dc‡gvU

cyi“l

gwnjv

e¨emv

Dc‡gvU

cyi“l

gwnjv

wkí

Dc‡gvU

¶z`ª

†gvU

cyi“l

gwnjv

†mev

Dc‡gvU

cyi“l

gwnjv

e¨emv

Dc‡gvU

cyi“l

gwnjv

wkí

Dc‡gvU

gvSvwi

me©‡gvU

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51

e¨vsKIqvix GmGgB mvwf©m †m›Uvi msμvš— Z_¨vw`

†RjvIqvix GmGgB mvwf©m †m›Uvi msμvš— Z_¨vw`

ms‡hvRbx ÔPÕ

Kvh©iZ GmGgB †m›UviμwgK bs e¨vs‡Ki bvg2008 2009

†gvU

1 AvBGdAvBwm e¨vsK wjt 2 3 52 Bmjvgx e¨vsK evsjv‡`k wjt 10 10 203 b¨vkbvj e¨vsK wjt - 10 104 w` wmwU e¨vsK wjt 5 5 105 GbwmwmweGj 4 4 86 cÖvBg e¨vsK wjt - 5 57 mvD_B÷ e¨vsK wjt - 10 108 XvKv e¨vsK wjt 3 2 59 †mvm¨vj Bmjvgx e¨vsK wjt 5 5 1010 WvP& -evsjv e¨vsK wjt 5 5 1011 ÷¨vÛvW© e¨vsK wjt 3 3 612 gv‡K©›UvBj e¨vsK wjt 3 - 313 w` wcÖwgqvi e¨vsK wjt - 5 514 Uªv÷ e¨vsK wjt - 5 515 eª¨vK e¨vsK wjt 30 30 6016 wgDPyqvj U« v÷ e¨vsK wjt 5 5 1017 e¨vsK Gwkqv wjt - 10 1018 kvnRvjvj Bmjvgx e¨vsK wjt 2 5 719 hgybv e¨vsK wjt - 5 520 Kgvwk©qvj e¨vsK Ae wmjb 2 4 6

me©‡gvU t 79 131 210

μwgK bs ‡Rjvi bvg ‡Rjvq †gvU msL¨v μwgK bs ‡Rjvi bvg ‡Rjvq †gvU msL¨v1 XvKv 25 nweMÄ2 MvRxcyi 26 wm‡jU3 bvivqYMÄ 27 wmivRMÄ4 gyÝxMÄ 28 e¸ov5 gvwbKMÄ 29 cvebv6 biwms`x 30 iscyi7 Uv½vBj 31 RqcyinvU8 wK‡kviMÄ 32 MvBevÜv9 gqgbwmsn 33 PuvcvBbeveMÄ10 †b·KvYv 34 †MvcvjMÄ11 Rvgvjcyi 35 ivRkvnx12 ‡kicyi 36 w`bvRcyi13 dwi`cyi 37 bIMuv14 ivRevox 38 bxjdvgvix15 gv`vixcyi 39 Lyjbv16 kwiqZcyi 40 h‡kvi17 PÆMÖvg 41 wSbvB`n18 K·evRvi 42 ev‡MinvU19 †dbx 43 PyqvWv½v20 †bvqvLvjx 44 Kywóqv21 j¶xcyi 45 gv¸iv22 Puv`cyi 46 ewikvj23 Kywgj-v 47 wc‡ivRcyi24 eªvþYevwoqv 48 †fvjv

561133135341114133262353384

4107321121121112232111121

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μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

56XvKv1 wgicyi GmGgB mvwf©m †m›Uvi, †mKkb-6,wgicyi, XvKv

†avjvBLvj GmGgB mvwf©m †m›Uvi, Avjb~i ÷xj gv‡K©U, †avjvBLvj, XvKv

beveMÄ GmGgB mvwf©m †m›Uvi, beveMÄAvaywbK evwYwR¨K wecYx, beveMÄ

wRivbx evRvi GmGgB mvwf©m †m›Uvi,Avïwjqv, XvKv

Kvjvgcyi GmGgB mvwf©m †m›Uvi, avgivB, XvKv

Rqcvov GmGgB mvwf©m †m›Uvi, †`vnvi, XvKv

mvfvi GmGgB mvwf©m †m›Uvi, mvfvi, XvKv

†avjvBLvj GmGgB mvwf©m †m›Uvi, m~Îvcyi, XvKv

AvMvbMi GmGgB mvwf©m ‡m›Uvi, `w¶Y†KivbxMÄ, XvKv

avgivB GmGgB mvwf©m †m›Uvi, avgivB, XvKv

†gvnv¤§`cyi GmGgB mvwf©m †m›Uvi,†gvnv¤§`cyi, XvKv

`w¶YLvb GmGgB mvwf©m †m›Uvi, `w¶YLvb,XvKvwLjMuvI ZvjZjv GmGgB mvwf©m †m›Uvi, wLjMuvI, XvKv

ebkªx GmGgB mvwf©m †m›Uvi, ivgcyiv, XvKv

ev›`yiv GmGgB mvwf©m †m›Uvi, beveMÄ, XvKv

52

†RjvIqvix GmGgB mvwf©m †m›Uv‡ii ZvwjKv

AvBGdAvBwm e¨vsK wjt

Bmjvgx e¨vsK evsjv‡`kwjt

hvÎvevox GmGgB mvwf©m †m›Uvi, hvÎvevox,XvKv

w` wmwU e¨vsK wjt

†cv¯—v GmGgB mvwf©m †m›Uvi, jvjevM, XvKv

cÖvBg e¨vsK wjt

†Mvivb GmGgB mvwf©m †m›Uvi, 179, b_©†Mvivb, wLjMuvI, XvKv

XvKv e¨vsK wjt

†KivbxMÄ GmGgB mvwf©m †m›Uvi, cÖvBgUvIqvi, ïfvW¨v, †KivbxMÄ, XvKv †mvm¨vj Bmjvgx e¨vsK

wjt

†gNjv evRvi GmGgB mvwf©m †m›Uvi, †gvojgv‡K©U, †`vnvi, XvKv

WvP&-evsjv e¨vsK wjt

Page 53: Bangladesh SME LOAN policy

56XvKv

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

evsjvevRvi GmGgB mvwf©m †m›Uvi, m~Îvcyi,XvKv

ebvbx GmGgB mvwf©m †m›Uvi, Iqvì© weR‡bm†m›Uvi, ¸jkvb, XvKv

†gvnv¤§`cyi GmGgB mvwf©m †m›Uvi, mvZ gmwR` †ivW, †gvnv¤§`cyi, XvKv

gvwjevM GmGgB mvwf©m †m›Uvi, wm‡×k¦ixmvKy©jvi †ivW, igbv, XvKv

KviIqvb evRvi GmGgB mvwf©m †m›Uvi, 20-21, KviIqvb evRvi, †ZRMuvI, XvKv

Gwjd¨v›U †ivW GmGgB mvwf©m †m›Uvi,†di‡`Šwm c-vRv feb, wbDgv‡K©U, XvKv

BgvgMÄ GmGgB mvwf©m †m›Uvi, jvjevM, XvKv

weRqbMi GmGgB mvwf©m †m›Uvi, knx` bRi“j Bmjvg miwY, cëb, XvKv

evmv‡ev GmGgB mvwf©m †m›Uvi, wLjMuvI, XvKv

cvš’c_ GmGgB mvwf©m †m›Uvi, †ZRMuvI,XvKv

evÇv GmGgB mvwf©m †m›Uvi, cÖMwZ miwY, ¸jkvb, XvKv

evÇv GmGgB mvwf©m †m›Uvi, cÖMwZ miwY, ¸jkvb, XvKvnvRvixevM GmGgB mvwf©m †m›Uvi, wbjv¤^ikvn †ivW, jvjevM, XvKv

hvÎvevox GmGgB mvwf©m †m›Uvi, gbmyi Kg‡c-·, hvÎvevox, XvKv

wgicyyi GmGgB mvwf©m †m›Uvi, XvKv P¶znvmcvZvj feb, †mKkb-1, wgicyi, XvKv

KviIqvb evRvi GmGgB mvwf©m †m›Uvi, KvRx bRi“j Bmjvg GwfwbD, †ZRMuvI, XvKv

DËiv GmGgB mvwf©m †m›Uvi, †m±i-9, DËiv,XvKv

†avjvBLvj GmGgB mvwf©m †m›Uvi, m~Îvcyi, XvKv

53

w` wcÖwgqvi e¨vsK wjt

Uªv÷ e¨vsK wjt

k¨vgevRvi GmGgB mvwf©m †m›Uvi, cvUyqvUyjx †ivW, †KvZqvjx, XvKv

eª¨vK e¨vsK wjt

Page 54: Bangladesh SME LOAN policy

56XvKv

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

†avjvBLvj GmGgB mvwf©m †m›Uvi, bvnvi Kg‡c-·, bqvevRvi, †KvZqvjx, XvKv

k¨vgcyi GmGgB mvwf©m †m›Uvi, k¨vgcyi evRvi, K`gZjx, XvKv

†gvnv¤§`cyi GmGgB mvwf©m †m›Uvi, ZvRgnj †ivW, †gvnv¤§`cyi, XvKv

¸wj¯’vb GmGgB mvwf©m †m›Uvi, knx` bRi“jBmjvg miwY, †KvZqvjx, XvKv

gwZwSj GmGgB mvwf©m †m›Uvi, gwZwSj ev/G, XvKv

iƒcbMi GmGgB mvwf©m †m›Uvi, iƒcbMiAvevwmK GjvKv, cj-ex, XvKv

hvÎvevox GmGgB mvwf©m †m›Uvi, wewei evwMPv, hvÎvevox, XvKv

evmv‡ev GmGgB mvwf©m †m›Uvi, 87 c~e©evmv‡ev, meyRevM, XvKv

†gŠPvK GmGgB mvwf©m †m›Uvi, AvDUvi mvK©yjvi †ivW, gvwjevM, †gŠPvK, XvKv

†gŠjfxevRvi GmGgB mvwf©m †m›Uvi, †gŠjfxevRvi, BgvgMÄ, jvjevM, XvKv

cvUyqvUyjx GmGgB mvwf©m †m›Uvi, †KvZqvjx,XvKv

wgicyi-1 GmGgB mvwf©m †m›Uvi, kvnAvjx gv‡K©U, XvKv

cÖMwZ miwY GmGgB mvwf©m †m›Uvi, Kywoj cÖMwZ miwY, evÇv, XvKv

kvwš—bMi GmGgB mvwf©m †m›Uvi, Pv‡gjxevM,igbv, XvKv

gwZwSj GmGgB mvwf©m †m›Uvi, 2, wWAvBwU GwfwbD, gwZwSj, XvKv

hvÎvevox GmGgB mvwf©m †m›Uvi, hvÎvevox,XvKv

RyivBb GmGgB mvwf©m †m›Uvi, K`gZjx, XvKv

54

eª¨vK e¨vsK wjt

e¨vsK Gwkqv wjt

kvnRvjvj Bmjvgx e¨vsKwjt

hgybv e¨vsK wjt

Iì XvKv GmGgB mvwf©m †m›Uvi, 91, knx` ‰mq` bRi“j Bmjvg miwY, XvKv

Kgvwk©qvj e¨vsK Aewmjb

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11MvRxcyi2

3bvivqYMÄ3

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

U½x GmGgB mvwf©m †m›Uvi, U½x evRvi, U½x

KvjxMÄ GmGgB mvwf©m †m›Uvi, †kL mycvi gv‡K©U, KvjxMÄMvRxcyi GmGgB mvwf©m †m›Uvi, MvRxcyi

55

AvBGdAvBwm e¨vsK wjt

w` wmwU e¨vsK wjt

mwdcyi GmGgB mvwf©m †m›Uvi, Kvwjqv‰Ki,MvRxcyi

WvP&-evsjv e¨vsK wjt

Rq‡`ecyi GmGgB mvwf©m †m›Uvi, Rq‡`ecyyi,MvRxcyi

÷¨vÛvW© e¨vsK wjt

wg‡ii evRvi GmGgB mvwf©m †m›Uvi, MvRxcyi m`i, MvRxcyi

Uªv÷ e¨vsK wjt

MvRxcyi GmGgB mvwf©m †m›Uvi, GmGm Kg‡c-·, Pv›`bv, Rq‡`ecyi, MvRxcyi

†Kvbvevox GmGgB mvwf©m †m›Uvi, †Kvbvevox,MvRxcyi

eª¨vK e¨vsK wjt

KvjxMÄ GmGgB mvwf©m †m›Uvi, KvjxMÄ, MvRxcyi wgDPyqvj U«v÷ e¨vsK wjt

U½x GmGgB mvwf©m †m›Uvi, U½xevRvi, U½x,MvRxcyi

kvnRvjvj Bmjvgx e¨vsKwjt

U½x GmGgB mvwf©m †m›Uvi, AvbviKwj †ivW,U½x, MvRxcyi

Kgvwk©qvj e¨vsK Aewmjb

fyjZv GmGgB mvwf©m †m›Uvi, byi g¨vbkb gv‡K©U, iƒcMÄ, bvivqYMÄ

†mvm¨vj Bmjvgx e¨vsKwjt

AvovBnvRvi GmGgB mvwf©m †m›Uvi,AvovBnvRvi, bvivqYMÄ eª¨vK e¨vsK wjt

gywÝMÄ GmGgB mvwf©m †m›Uvi, 223, Rywejx †ivW, gywÝMÄ hgybv e¨vsK wjt

evNivevRvi GmGgB mvwf©m †m›Uvi, kªxbMi,gywÝMÄ

b¨vkbvj e¨vsK wjt

b¨vkbvj e¨vsK wjt

gvae`x GmGgB mvwf©m †m›Uvi, gvae`x, biwms`x Uªv÷ e¨vsK wjt

biwms`x GmGgB mvwf©m †m›Uvi, KvRx mycvi gv‡K©U, 3 wm GÛ we ‡ivW, biwms`x eª¨vK e¨vsK wjt

cÖvBg e¨vsK wjt

†mvbviMuvI GmGgB mvwf©m †m›Uvi, †mvbviMuvI, bvivqYMÄ

Bmjvgx e¨vsK evsjv‡`kwjt

3gyÝxMÄ4 wmivRw`Lvb GmGgB mvwf©m †m›Uvi,wmivRw`Lvb, gywÝMÄ

e¨vsK Gwkqv wjt

1gvwbKMÄ5 wmsMvBi GmGgB mvwf©m †m›Uvi, wmsMvBi, gvwbKMÄ

3biwms`x6 biwms`x GmGgB mvwf©m †m›Uvi, biwms`x

Page 56: Bangladesh SME LOAN policy

5Uv½vBj7

3wK‡kviMÄ8

4gqgbwmsn9

1†b·KvYv10

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

†Mvcvjcyi GmGgB mvwf©m †m›Uvi, †Mvcvjcyi,Uv½vBj

56

b¨vkbvj e¨vsK wjt

cv_ivBj GmGgB mvwf©m †m›Uvi, †`j`yqvi,Uv½vBj

b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

G‡j½v GmGgB mvwf©m †m›Uvi, G‡j½v,Uv½vBj

Bmjvgx e¨vsK evsjv‡`kwjt

Uv½vBj GmGgB mvwf©m †m›Uvi, †nv‡mb†U«Wvm©, Uv½vBj

eª¨vK e¨vsK wjt

÷¨vÛvW© e¨vsK wjt

wK‡kviMÄ GmGgB mvwf©m †m›Uvi, wK‡kviMÄ

‰fie evRvi GmGgB mvwf©m †m›Uvi, Rvgvb gv‡K©U, ˆfie evRvi, wK‡kviMÄ

w` wmwU e¨vsK wjt

wK‡kviMÄ GmGgB mvwf©m †m›Uvi, AuvPj mycvi gv‡K©U, wK‡kviMÄ

eª¨vK e¨vsK wjt

gqgbwmsn GmGgB mvwf©m †m›Uvi, wm‡K ‡Nvl†ivW, gqgbwmsn

b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

gy³vMvQv GmGgB mvwf©m †m›Uvi, gy³vMvQv,gqgbwmsn

eª¨vK e¨vsK wjt

MdiMuvI GmGgB mvwf©m †m›Uvi, Avkivd gv‡K©©U, MdiMuvI, gqgbwmsn

wgDPyqvj Uªv÷ e¨vsK wjt

†b·KvYv GmGgB mvwf©m †m›Uvi, wn‡j-vjgv‡K©©U, †eex evRvi, †b·KvYv

eª¨vK e¨vsK wjt

1Rvgvjcyi11 Rvgvjcyi GmGgB mvwf©m †m›Uvi, Rvgvjcyi m`i, Rvgvjcyi

w` wmwU e¨vsK wjt

1†kicyi12 †kicyi GmGgB mvwf©m †m›Uvi, f~Bqv c-vRv,174 gywÝevRvi †ivW, †kicyi

eª¨vK e¨vsK wjt

4dwi`cyi13 KvbvBcyi evRvi GmGgB mvwf©m †m›Uvi,†KvZqvjx, dwi`cyi

1ivRevox14 ivRevox GmGgB mvwf©m †m›Uvi, †gBb †ivW,ivRevox

b¨vkbvj e¨vsK wjt

†evqvjgvix GmGgB mvwf©m †m›Uvi,†evqvjgvix, dwi`cyi

b¨vkbvj e¨vsK wjt

fv½v GmGgB mvwf©m †m›Uvi, fv½v evRvi, fv½v, dwi`cyi eª¨vK e¨vsK wjt

eª¨vK e¨vsK wjt

dwi`cyi GmGgB mvwf©m †m›Uvi, †KvZqvjx,dwi`cyi

gy³vMvQv GmGgB mvwf©m †m›Uvi, gy³vMvQv,gqgbwmsn

Bmjvgx e¨vsK evsjv‡`kwjt

Uv½vBj GmGgB mvwf©m †m›Uvi, Uv½vBj mvD_-B÷ e¨vsK wjt

Page 57: Bangladesh SME LOAN policy

3gv`vixcyi15

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

gv`vixcyi GmGgB mvwf©m †m›Uvi, gv`vixcyi

57

eª¨vK e¨vsK wjt

3kwiqZcyi16 †fv‡Rk¦i GmGgB mvwf©m †m›Uvi, bwoqv, kwiqZcyi

b¨vkbvj e¨vsK wjt

26PÆMÖvg17 eo `v‡ivMvi nvU GmGgB mvwf©m †m›Uvi,mxZvKyÛ, PÆMÖvg

Bmjvgx e¨vsK evsjv‡`kwjt

gv`vixcyi GmGgB mvwf©m †m›Uvi, cyivb evRvi, gv`vixcyi

hgybv e¨vsK wjt

Pigy¸wiqv GmGgB mvwf©m †m›Uvi, Pigy¸wiqv†gBb †ivW, gv`vixcyi

Bmjvgx e¨vsK evsjv‡`kwjt

bwoqv GmGgB mvwf©m †m›Uvi, gvwS c-vRv, bwoqv, kwiqZcyi

wgDPyqvj Uªv÷ e¨vsK wjt

bwoqv GmGgB mvwf©m †m›Uvi, bwoqv, kwiqZcyi

b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

nvUnvRvix GmGgB mvwf©m †m›Uvi, nvUnvRvix, PÆMÖvg

b¨vkbvj e¨vsK wjt

fvwUqvix GmGgB mvwf©m †m›Uvi, mxZvKyÛ, PÆMÖvg

w` wmwU e¨vsK wjt

Kvgvj evRvi GmGgB mvwf©m †m›Uvi, Puv`MuvI, PÆMÖvg

b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

nvUnvRvix GmGgB mvwf©m †m›Uvi, nvUnvRvix, PÆMÖvg mvD_-B÷ e¨vsK wjt

nvUnvRvix GmGgB mvwf©m †m›Uvi, KvPvix †ivW, nvUnvRvix, PÆMÖvg †mvm¨vj Bmjvgx e¨vsK

wjt

ivDRvb GmGgB mvwf©m †m›Uvi, 256 nvRx AvnQvb g¨vbmb, ivDRvb, PÆMÖvg

WvP&-evsjv e¨vsK wjt

jv½j‡gvov GmGgB mvwf©m †m›Uvi, nvUnvRvix, PÆMÖvg

÷¨vÛvW© e¨vsK wjt

wbD gv‡K©©U GmGgB mvwf©m †m›Uvi, 6, Rywejx †ivW, PÆMÖvg

XvKv e¨vsK wjtwmBwc‡RW GmGgB mvwf©m †m›Uvi, PÆMÖvgG·‡cvU© cÖ‡mwms ‡Rvb, PÆMÖvg

eviBqvinvU GmGgB mvwf©m †m›Uvi, gximivB, PÆMÖvg

†jvnvMvov GmGgB mvwf©m †m›Uvi, †jvnvMvov,PÆMÖvg

†jvnvMvov GmGgB mvwf©m †m›Uvi, †jvnvMvov,PÆMÖvg

Page 58: Bangladesh SME LOAN policy

26PÆMÖvg

2K·evRvi18

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

cwUqv GmGgB mvwf©m †m›Uvi, †Mvwe›`Lvj, cwUqv, PÆMÖvg

58

gv‡K©›UvBj e¨vsK wjt

e›`iwUjv GmGgB mvwf©m †m›Uvi, e›`i,PÆMÖvg

eª¨vK e¨vsK wjt

wgDPyqvj U«v÷ e¨vsK wjt

nvUnvRvix GmGgB mvwf©m †m›Uvi, Gm,Gg, kwcs †m›Uvi, nvUnvRvix, PÆMÖvg

K`gZjx GmGgB mvwf©m †m›Uvi, wWwU †ivW,Wejgywos, PÆMÖvg

PvKZvB GmGgB mvwf©m †m›Uvi, kvn& AvgvbZ eªxR, evKvwjqv, PÆMÖvg

wmwWG GwfwbD GmGgB mvwf©m †m›Uvi, wmwWG GwfwbD, Lyjkx, PÆMÖvg

bRy wgqv nvU, †kL gv‡K©©U, nvUnvRvix, PÆMÖvg

e¨vsK Gwkqv wjt

Aw·‡Rb †gvo GmGgB mvwf©m †m›Uvi,ev‡qwR` †ev¯—vgx, PÆMÖvg

kvnRvjvj Bmjvgx e¨vsKwjt

KvgvjevRvi GmGgB mvwf©m †m›Uvi,KvjyiNvU, AviKvb †ivW, Pv›`Muv, PÆMÖvg

Kgvwk©qvj e¨vsKAe wmjb

Rywejx †ivW GmGgB mvwf©m †m›Uvi, Iqvwj‡KvUvIqvi, 263, Rywejx †ivW, PÆMÖvg

eª¨vK e¨vsK wjt

eª¨vK e¨vsK wjt

PKwiqv GmGgB mvwf©m †m›Uvi, Av‡bvqvikwcs Kg‡c-·, PKwiqv, K·evRvi

wgDPyqvj U«v÷ e¨vsK wjt`vMbfu~Bqv GmGgB mvwf©m †m›Uvi, `vMbf~uBqv, †dbx

mvD_-B÷ e¨vsK wjt†mvbvMvRx GmGgB mvwf©m †m›Uvi, †mvbvMvRx,†dbx

Bmjvgx e¨vsK evsjv‡`kwjt

†KvU evRvi GmGgB mvwf©m †m›Uvi, DwLqv, K·evRvi

5†bvqvLvjx20 Bmjvgx e¨vsK evsjv‡`kwjt

Pvcivwki nvU GmGgB mvwf©m †m›Uvi,Pvcivwki nvU, †bvqvLvjx

3†dbx19 †dbx GmGgB mvwf©m †m›Uvi, KvRx †m›Uvi,105/106, GmGm †ivW, †dbx

Avmv`MÄ GmGgB mvwf©m †m›Uvi, †KvZqvjx,PÆMÖvg

cvnvoZjx GmGgB mvwf©m †m›Uvi, cvnvoZjx, PÆMÖvgenÏvinvU GmGgB mvwf©m †m›Uvi, Pv›`MuvI,PÆMÖvg

Page 59: Bangladesh SME LOAN policy

5†bvqvLvjx

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

†mevinvU GmGgB mvwf©m †m›Uvi, †mbevM, †bvqvLvjx

59

mvD_-B÷ e¨vsK wjt

Avwgmvcvov GmGgB mvwf©m †m›Uvi, AvwRR mycvi gv‡K©U, Avwgmvcvov evRvi, Avwgmvcvov, †mvbvBgywo, †bvqvLvjx

gv‡K©›UvBj e¨vsK wjt

gvBRw` GmGgB mvwf©m †m›Uvi, myavivg, †bvqvLvjx

eª¨vK e¨vsK wjt

gvBRw` †KvU© GmGgB mvwf©m †m›Uvi, †bvqvLvjx m`i, †bvqvLvjx

w` wmwU e¨vsK wjt

nvq`viMÄ GmGgB mvwf©m †m›Uvi, MvRx mycvi gv‡K©U, ivqcyi, j¶xcyi

wgDPyqvj U«v÷ e¨vsK wjt

ivgMÄ GmGgB mvwf©m †m›Uvi, Asivcvov, ivgMÄ, j¶xcyi

e¨vsK Gwkqv wjt

evbyqv GmGgB mvwf©m †m›Uvi, evbyqv, Puv`cyi †mvm¨vj Bmjvgx e¨vsKwjt

Puv`cyi GmGgB mvwf©m †m›Uvi, knx` gyw³‡hv×v moK, Puv`cyi

eª¨vK e¨vsK wjt

†Kv¤úvbxMÄ GmGgB mvwf©m †m›Uvi, gyiv`cyi, Kzwgj-v

cÖvBg e¨vsK wjt

†MŠixcyi GmGgB mvwf©m †m›Uvi, `vD`Kvw›`,Kzwgj-v eª¨vK e¨vsK wjt

jvKmvg GmGgB mvwf©m †m›Uvi, jvKmvg cÖvB‡fU nmwcUvj feb, jvKmvg, Kzwgj-v

wgDPyqvj U«v÷ e¨vsK wjt

†MŠixcyi GmGgB mvwf©m †m›Uvi, †MŠixcyi,`vD`Kvw›`, Kzwgj-v

b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

myqvMÄ evRvi GmGgB mvwf©m †m›Uvi, gw`bv Kg‡c-·, myqvMÄ evRvi, m`i `w¶Y, Kzwgj-v

WvP&-evsjv e¨vsK wjt

Kzwgj-v GmGgB mvwf©m †m›Uvi, PKevRvi, †KvZqvjx, Kzwgj-v

ivgP›`ªcyi GmGgB mvwf©m †m›Uvi, gyiv`bMi, Kzwgj-v

3j¶xcyi21 eª¨vK e¨vsK wjtj¶xcyi GmGgB mvwf©m †m›Uvi, j¶xcyi m`i, j¶xcyi

3Puv`cyi22 b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

KPyqv GmGgB mvwf©m †m›Uvi, KPyqv, Puv`cyi

8Kzwgj-v23 Bmjvgx e¨vsK evsjv‡`kwjt

`vD`Kvw›` GmGgB mvwf©m †m›Uvi, `vD`Kvw›`,Kzwgj-v

Page 60: Bangladesh SME LOAN policy

4eªvþYevwoqv24

4nweMÄ25

10wm‡jU26

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

AvLvDov GmGgB mvwf©m †m›Uvi, AvLvDov, eªvþYevwoqv

60

Bmjvgx e¨vsK evsjv‡`kwjt

eªvþYevwoqv GmGgB mvwf©m †m›Uvi, m¨vgmvsc-vRv, †cŠimfv- eªvþYevwoqv, _vbv- m`i, †Rjv- eªvþYevwoqv

b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

eªvþYevwoqv GmGgB mvwf©m †m›Uvi, eªvþYevwoqv

mvD_-B÷ e¨vsK wjt

eªvþYevwoqv GmGgB mvwf©m †m›Uvi, Avjx c-vRv, eªvþYevwoqv

eª¨vK e¨vsK wjt

nweMÄ GmGgB mvwf©m †m›Uvi, nweMÄ m`i, nweMÄ

w` wmwU e¨vsK wjt

kv‡q¯—vMÄ GmGgB mvwf©m †m›Uvi, nweMÄ, nweMÄ

Bmjvgx e¨vsK evsjv‡`kwjt

nweMÄ GmGgB mvwf©m †m›Uvi, UvDb nj †ivW, LvRv Mv‡W©b wmwU, nweMÄ

XvKv e¨vsK wjt

bexMÄ GmGgB mvwf©m †m›Uvi, ¯‹vBjvBUUvIqvi, †kicyi †ivW, bexMÄ, nweMÄ

weqvbxevRvi GmGgB mvwf©m †m›Uvi,weqvbxevRvi, wm‡jUwek¦bv_ GmGgB mvwf©m †m›Uvi, wek¦bv_,wm‡jU

†Mvwe›`MÄ evRvi GmGgB mvwf©m †m›Uvi,QvZK, wm‡jU

wek¦bv_ GmGgB mvwf©m †m›Uvi, wek¦bv_,wm‡jU

XvKv `w¶Y GmGgB mvwf©m †m›Uvi,†MvjvcMÄ, wm‡jU

gv‡K©›UvBj e¨vsK wjt

ZvRcyi GmGgB mvwf©m †m›Uvi, evjvMÄ,wm‡jU

mvD_-B÷ e¨vsK wjt

7wmivRMÄ27 †ejKywP GmGgB mvwf©m †m›Uvi, †ejKywP,wmivRMÄ

b¨vkbvj e¨vsK wjt

WvP&-evsjv e¨vsK wjt

†MvqvjvevRvi GmGgB mvwf©m †m›Uvi, Imgvbx bMi, wm‡jU

÷¨vÛvW© e¨vsK wjt

kvRxi evRvi GmGgB mvwf©m †m›Uvi,†KvZqvjx, wm‡jU

Uªv÷ e¨vsK wjt

e›`i GmGgB mvwf©m †m›Uvi, ¸wj¯’vbKg‡c-·, †KvZqvjx, wm‡jU

eª¨vK e¨vsK wjt

wiKvvwe evRvi GmGgB mvwf©m †m›Uvi, wiKvwe evRvi, wm‡jU wmwU K‡c©v‡ikb, wm‡jU

e¨vsK Gwkqv wjt

Page 61: Bangladesh SME LOAN policy

7wmivRMÄ

μwgKbs

†Rjvi bvg †Rjv †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

wmivRMÄ GmGgB mvwf©m †m›Uvi, ‡P¤^vinvDm, GmGm †ivW, wmivRMÄ

61

XvKv e¨vsK wjt

kvnRv`cyi GmGgB mvwf©m †m›Uvi,kvnRv`cyi, wmivRMÄ

†mvm¨vj Bmjvgx e¨vsKwjt

ZvgvB GmGgB mvwf©m †m›Uvi, †ejKywP,wmivRMÄ

Uªv÷ e¨vsK wjt

kvnRv`cyi GmGgB mvwf©m †m›Uvi, AvwRR g¨vbmb, kvnRv`cyi, wmivRMÄ eª¨vK e¨vsK wjt

†ejKywP GmGgB mvwf©m †m›Uvi, †ejKywP,wmivRMÄ

wgDPyqvj U«v÷ e¨vsK wjt

†Mvwe›`MÄ GmGgB mvwf©m †m›Uvi, wek¦‡ivW,†Mvwe›`MÄ, MvBevÜv

eª¨vK e¨vsK wjt

Ck¦i`x GmGgB mvwf©m †m›Uvi, Ck¦i`x, cvebv wgDPyqvj U«v÷ e¨vsK wjt

wmivRMÄ GmGgB mvwf©m †m›Uvi, Gm,Gm †ivW, wmivRMÄ

mvš—vnvi GmGgB mvwf©m †m›Uvi, Av`g`xwN, e¸ov

Kvnvjy GmGgB mvwf©m †m›Uvi, Kvnvjy, e¸ov

3e¸ov28

Bmjvgx e¨vsK evsjv‡`kwjt

gnv¯’vbMo GmGgB mvwf©m †m›Uvi, wkeMÄ,e¸ov

2cvebv29 eª¨vK e¨vsK wjtcvebv GmGgB mvwf©m †m›Uvi, m`i, cvebv

1iscyi30 b¨vkbvj e¨vsK wjtkwVevox GmGgB mvwf©m †m›Uvi, wgVvcyKyi, iscyi

1RqcyinvU31 eª¨vK e¨vsK wjtRqcyinvU GmGgB mvwf©m †m›Uvi, m`i †ivW,RqcyinvU

2MvBevÜv32 †mvm¨vj Bmjvgx e¨vsKwjt

†Mvwe›`MÄ GmGgB mvwf©m †m›Uvi, DËi evm ÷¨vÛ, †Mvwe›`MÄ, MvBevÜv

1PuvcvBbeveMÄ33 hgybv e¨vsK wjtPuvcvBbeveMÄ GmGgB mvwf©m †m›Uvi, wSwjg †ivW, PuvcvBbeveMÄ

1†MvcvjMÄ34 eª¨vK e¨vsK wjt†MvcvjMÄ GmGgB mvwf©m †m›Uvi, gv`ªvmv †ivW, †MvcvjMÄ

2ivRkvnx35 Bmjvgx e¨vsK evsjv‡`kwjt

†KkinvU GmGgB mvwf©m †m›Uvi, †gvnbcyi,ivRkvnx

1w`bvRcyi36 eª¨vK e¨vsK wjtw`bvRcyi GmGgB mvwf©m †m›Uvi, gywÝcvov, w`bvRcyi

b¨vkbvj †μwWU GÛKgvm© e¨vsK wjt

M‡bk¦i GmGgB mvwf©m †m›Uvi, cywUqv, ivRkvnx

Page 62: Bangladesh SME LOAN policy

1bIMuv37

μwgKbs

†Rjvi bvg †Rjvq †gvUmsL¨v

mvwf©m †m›Uv‡ii Ae¯’vb e¨vs‡Ki bvg

bIMuv GmGgB mvwf©m †m›Uvi, bIMuv

62

eª¨vK e¨vsK wjt

1bxjdvgvix38 ˆmq`cyi GmGgB mvwf©m †m›Uvi, mvbc-vRv,ˆmq`cyi, bxjdvgvix

÷¨vÛvW© e¨vsK wjt

2Lyjbv39 dyjZjv evRvi GmGgB mvwf©m †m›Uvi,dyjZjv, Lyjbv

Bmjvgx e¨vsK evsjv‡`kwjt

2h‡kvi40 h‡kvi GmGgB mvwf©m †m›Uvi, †KvZqvjx,h‡kvi

mvD_-B÷ e¨vsK wjt

3wSbvB`n41 WvK evsjv evRvi GmGgB mvwf©m †m›Uvi, mvaynvUx, wSbvB`n

Bmjvgx e¨vsK evsjv‡`kwjt

1PyqvWv½v43 PyqvWv½v GmGgB mvwf©m †m›Uvi, †KvU© †ivW,PyqvWv½v

eª¨vK e¨vsK wjt

1ewikvj46 ewikvj GmGgB mvwf©m †m›Uvi, bvwmi Kg‡c-·, †KvZqvjx, ewikvj

hgybv e¨vsK wjt

2wc‡ivRcyi47 wc‡ivRcyi GmGgB mvwf©m †m›Uvi, 39, K¬ve†ivW, wc‡ivRcyi

¯^iƒcKvVx GmGgB mvwf©m †m›Uvi, †bQviev`,wc‡ivRcyi

eª¨vK e¨vsK wjt

1†fvjv48 †evinvbDwÏb GmGgB mvwf©m †m›Uvi, †evinvbDwÏb, †fvjv

Bmjvgx e¨vsK evsjv‡`kwjt

1Kywóqv44 Kywóqv GmGgB mvwf©m †m›Uvi, G Lvb †PŠayixmoK, Kywóqv

1gv¸iv45 gv¸iv GmGgB mvwf©m †m›Uvi, gv¸iv m`i, gv¸iv

2ev‡MinvU42 ev‡MinvU GmGgB mvwf©m †m›Uvi, †gBb †ivW,ev‡MinvU

cyivZb eo evRvi GmGgB mvwf©m †m›Uvi,†KvZqvjx, Lyjbv

e¨vsK Gwkqv wjt

gwbivgcyi GmGgB mvwf©m †m›Uvi, gwbivgcyi, h‡kvi

†mvm¨vj Bmjvgx e¨vsKwjt

KvwjMÄ GmGgB mvwf©m †m›Uvi, KvwjMÄ,wSbvB`n

b¨vkbvj e¨vsK wjt

wSbvB`n GmGgB mvwf©m †m›Uvi, AwMœexYvmoK, wSbvB`n

eª¨vK e¨vsK wjt

eª¨vK e¨vsK wjt

†gvj-vinvU GmGgB mvwf©m †m›Uvi, †gvj-vinvU,ev‡MinvU

†mvm¨vj Bmjvgx e¨vsKwjt

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GmGgB Gi D‡j-L‡hvM¨ LvZmg~n

ms‡hvRbx ÔQÕ

μwgKbs

μwgKbs

Lv‡Zi bvg Lv‡Zi bvg

1 K„wlwfwËK I K„wlcY¨ cÖwμqvRvZKiY;2 K„wlwfwËK Kg©KvÊ (grm¨ AvniY,

msi¶Y I wecYb);3 K„wl hš¿cvwZ ‰Zwi I wecYb;4 gvQ aivi †bŠKv (fishing boat) ˆZwi;5 bKkx Kuv_v I ZuvZ;6 Lv`¨ exR msi¶Y I wecYb;7 †eKvix;8 n¨vPvix;9 W«vB wdk cÖ‡mwms;

10 Z_¨ cÖhyw³ wfwËK Kvh©μg;11 Kw¤úDUvi mdU&Iq¨vi I AvBwmwU `ªe¨vw`;12 mvBevi K¨v‡d;13 we‡bv`b †hgb- WKy‡g›Uvwi wdj¥, wm‡bgv I

wWwfwW wbg©vY14 ebwkí I dvwb©Pvi;15 nwU©KvjPvi, dyjPvl I dyj evRviRvZKiY;16 wngvMvi (cold storage);17 wbg©vY e¨emv †hgb- wbg©vY wkí I M„nvqb;18 nvmcvZvj I wK¬wbK;19 †nv‡Uj, †i÷y‡i›U I ch©Ub;20 †UwjKwgDwb‡Kkb;21 †gvevBj †dvb G‡·mwiR;22 wcÖw›Us I c¨v‡KwRs;23 bevqb‡hvM¨ kw³ †hgb- †mvjvi cvIqvi,

DBÛwgj;24 nvjKv cÖ‡KŠkj wkí (light engineering

industry);25 c-vw÷K wkí;26 Km‡gwUK I Uq‡jwU«R;27 n¯—wkí (handicrafts);28 †flR Jla wkí (herbal medicine

industry);29 cvURvZ I cvU wgwkªZ cY¨;30 †÷kbvix cY¨ wkí;

31 wngvwqZ Lv`¨ (frozen food);32 Pvgov I PvgovRvZ cY¨;

33 B‡jKU«wbKm&;34 K„wÎg dyj Drcv`b; 35 Pkgvi †d«g ˆZwi (optical frame);36 †ikg ¸wU I †ikg wkí;37 †Ljbv ˆZwi;38 eidKj;39 Av‡qvWvBRW& jeY ˆZwi;40 †gwk‡b wPuov I gywo ˆZwi;41 PvDj Kj (rice mill/auto rice mill);42 cvBKvwi I LyPiv †`vKvb;43 W«vM nvDR/Jl‡ai †`vKvb;

44 †dvb-d¨v·;45 ¯’vbxq cwienb;46 wm‡bgv nj;47 PvZvj e¨emv;48 †U«wWs;49 cyivZb †jvnv- j°o;50 †gvevBj †mU I hš¿vs‡ki e¨emv;51 B‡jKU«wbKm& Gi e¨emv;52 wewfbœ ¶y`ª e¨emv;53 K„wl hš¿cvwZi e¨emv;

54 mv‡ii e¨emv;

55 cvU †U«wWs;56 Kvco I RyZvi e¨emv;57 iW I wm‡g›U †U«wWs;58 nvW©Iq¨vi e¨emv;

59 †μvKvwiR Gi e¨emv;60 gyw` I fywl gv‡ji e¨emv;

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μwgKbs

μwgKbs

Lv‡Zi bvg Lv‡Zi bvg

61 Gjwc M¨v‡mi e¨emv;62 Iq¨vinvDm I K‡›UBbvi mvwf©m;63 evwYwR¨Kfv‡e e„¶‡ivcY;64 d‡UvMÖvdx;65 cwienb I †hvMv‡hvM;66 j¨ve‡iUwi;67 Ry‡qjvix;68 wMwbs A¨vÛ †ewjs;69 D”Pgv‡bi †gav I `¶Zvm¤úbœ b‡jR

†mvmvBwU;70 †UBjvwis;71 †mjyb I weDwU cvj©vi, wRg;72 KwgDwbwU †m›Uvi;73 Kj‡m›Uvi;74 WvqvMbw÷K †m›Uvi;75 wWwRUvj Kvjvi j¨ve;76 K¨vej Acv‡iUim;77 †Rbv‡iUi Gi gva¨‡g we`y¨r weZiY; 78 †QvU G¨vwgDR‡g›U cvK©;79 euvk I †e‡Zi mvgMÖx ˆZwi;80 eywUKm&/evwUKm&;81 gvk&i“g;82 Kw¤úDUvi †U«wbs ¯‹yj;83 B‡›Uwiqi GÛ G·Uvibvj †W‡Kv‡ikb;84 nvjKv BwÄwbqvwis IqvK©kc;85 AvBwcGm ˆZwi;86 Avw`evmx n¯—wkí I †Kvgi ZuvZ;87 m-wgj;88 †bŠhvb wkí †hgb- †QvU hvÎvevnx

†bŠhvb ˆZwi;89 cwi‡ek-evÜe cwienb (e¨vUvixPvwjZ)

†hgb-BwR evBK (h‡kvi);90 †WBix GÛ wdk dxW ˆZwi;91 weªK wdì;92 Lvw` wkí;93 AvMi I †gvgevwZ ˆZwi;94 gkjv ¸uovKiY;95 we¯‹yU d¨v±ix;96 ißvwb‡hvM¨ gvwUi Uvwj ˆZwi;

97 dyW cÖ‡mwms;98 Mvwoi ewW ˆZwi;99 †Zj I Wvj wgj;

100 wRAvB cvBc cÖ¯‘Z KviLvbv;101 wm‡g‡›Ui wcjvi ˆZwi;102 wgwb myMvi wgj;103 ¸o ˆZwi;104 L‡qi ˆZwi;105 †nvwmqvix;

106 I‡qwìs wkí;107 wcZj I Kuvmv wkí;108 cvi‡U· wkí;109 ev‡qvM¨vm c-v›U;110 †iYy †cvbv Drcv`b;111 wUmy¨ KvjPvi Gi gva¨‡g exR Drcv`b;112 evwj I cv_‡ii e¨emv;113 KvV I ÷xj mvgMÖxi e¨emv;114 avb-PvD‡ji e¨emv;115 Lvw`i ˆZwi wewfbœ mvgMÖx wecYb;116 bKkx Kuv_v I ZuvZ;117 kxZj cvwU;118 bvm©vix;119 wgwó ˆZwi;120 grm¨ Pvl (wPswo, †Zjvwcqv, cvsMvm);121 e¨vUvix ˆZwi;122 †ijI‡q w¯-cvi ˆZwi;123 m¨vwbUvix mvgMÖx wbg©vY;124 wSbyK †_‡K Pyb ˆZwi;

125 g„rwkí;

126 Pv wkí;127 dj cÖwμqvKiY wkí;128 Pvi‡Kvj ˆZwi;129 Avjy exR msi¶YvMvi;130 †mgvB, jv”Qv I PvbvPyi ˆZwi;131 Avjyi wUmy¨ KvjPvi;132 †mŠi we`y¨Z c-v›U|