m„Rbkxj wdb¨vÝ I e¨vswKs - Lecture Publications

m„Rbkxj wdb¨vÝ GÛ e¨vswKs : beg-`kg †kÖwY 1

Class 9-10

m„Rbkxj

wdb¨vÝ GÛ e¨vswKs

GK bR‡i welq web¨vm welqwU †hme G·K¬zwmf cvU©-Gi mgš‡q mg„×

GmGmwm cixÿvi cÖkœcÎ I DËigvjv : eûwbe©vPwb

GmGmwm cixÿvi cÖkœcÎ : m„Rbkxj

kxl© ’vbxq ¯‹z‡ji wbe©vPwb cixÿvi cÖkœcÎ I DËigvjv : eûwbe©vPwb

kxl© ’vbxq ¯‹z‡ji wbe©vPwb cixÿvi cÖkœcÎ : m„Rbkxj

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

G·K¬zwmf g‡Wj †U÷ : m„Rbkxj

2 Digital Interactive E-book

c„ôv bs †`‡L Kvw•¶Z welqwUi Ae ’vb †R‡b wbB

cÖ‡kœi aib I gv‡bi aviYvi Rb¨ cÖ`Ë GmGmwm cixÿvi cÖkœcÎ I DËigvjv : eûwbe©vPwb--------------------------------- 130

1. XvKv †evW© 2021 .........................................................................................................................................................1

2. ivRkvnx †evW© 2021 ....................................................................................................................................................2

3. h‡kvi †evW© 2021 ...................................................................................................................................................... 3

4. Kzwgjøv †evW© 2021 .......................................................................................................................................................4

5. PÆMÖvg †evW© 2021...................................................................................................................................................... 5

6. wm‡jU †evW© 2021 .......................................................................................................................................................6

7. ewikvj †evW© 2021..................................................................................................................................................... 7

8. w`bvRcyi †evW© 2021 .................................................................................................................................................. 8

9. gqgbwmsn †evW© 2021..................................................................................................................................................9

10. XvKv †evW© 2020 .......................................................................................................................................................10

11. ivRkvnx †evW© 2020 .................................................................................................................................................. 11

12. h‡kvi †evW© 2020 .....................................................................................................................................................12

13. Kzwgjøv †evW© 2020.....................................................................................................................................................13

14. PÆMÖvg †evW© 2020 ....................................................................................................................................................14

15. wm‡jU †evW© 2020.....................................................................................................................................................15

16. ewikvj †evW© 2020 ...................................................................................................................................................16

17. w`bvRcyi †evW© 2020 .................................................................................................................................................17

18. gqgbwmsn †evW© 2020 ...............................................................................................................................................18

19. XvKv †evW© 2019 .......................................................................................................................................................19

20. ivRkvnx †evW© 2019 ..................................................................................................................................................20

21. h‡kvi †evW© 2019 .....................................................................................................................................................21

22. Kzwgjøv †evW© 2019 .....................................................................................................................................................22

23. PÆMÖvg †evW© 2019.....................................................................................................................................................23

24. wm‡jU †evW© 2019 .....................................................................................................................................................24

25. ewikvj †evW© 2019....................................................................................................................................................25

26. w`bvRcyi †evW© 2019 .................................................................................................................................................26

27. mKj †evW© 2018 ......................................................................................................................................................27

28. mKj †evW© 2017 ......................................................................................................................................................28

29. mKj †evW© 2016 ......................................................................................................................................................29

30. mKj †evW© 2015 ..................................................................................................................................................... 30

cÖ‡kœi aib I gv‡bi aviYvi Rb¨ cÖ`Ë GmGmwm cixÿvi cÖkœcÎ : m„Rbkxj ------------------------------------------------3160

31. XvKv †evW© 2021 .......................................................................................................................................................31

32. ivRkvnx †evW© 2021 ..................................................................................................................................................32

33. h‡kvi †evW© 2021 .................................................................................................................................................... 33

34. Kzwgjøv †evW© 2021 .....................................................................................................................................................34


35. PÆMÖvg †evW© 2021.................................................................................................................................................... 35

36. wm‡jU †evW© 2021 .....................................................................................................................................................36

37. ewikvj †evW© 2021................................................................................................................................................... 37

38. w`bvRcyi †evW© 2021 ................................................................................................................................................ 38

39. gqgbwmsn †evW© 2021................................................................................................................................................39

40. XvKv †evW© 2020 .......................................................................................................................................................40

41. ivRkvnx †evW© 2020 ..................................................................................................................................................41

42. h‡kvi †evW© 2020 .....................................................................................................................................................42

43. Kzwgjøv †evW© 2020.....................................................................................................................................................43

44. PÆMÖvg †evW© 2020 ....................................................................................................................................................44

45. wm‡jU †evW© 2020.....................................................................................................................................................45

46. ewikvj †evW© 2020 ...................................................................................................................................................46

47. w`bvRcyi †evW© 2020 .................................................................................................................................................47

48. gqgbwmsn †evW© 2020 .............................................................................................................................................. 48

49. XvKv †evW© 2019 .......................................................................................................................................................49

50. ivRkvnx †evW© 2019 ................................................................................................................................................. 50

51. h‡kvi †evW© 2019 .....................................................................................................................................................51

52. Kzwgjøv †evW© 2019 .....................................................................................................................................................52

53. PÆMÖvg †evW© 2019.................................................................................................................................................... 53

54. wm‡jU †evW© 2019 .....................................................................................................................................................54

55. ewikvj †evW© 2019................................................................................................................................................... 55

56. w`bvRcyi †evW© 2019 .................................................................................................................................................56

57. mKj †evW© 2018 ..................................................................................................................................................... 57

58. mKj †evW© 2017 ..................................................................................................................................................... 58

59. mKj †evW© 2016 ......................................................................................................................................................59

60. mKj †evW© 2015 ......................................................................................................................................................60

AwaK Abykxj‡bi gva¨‡g †miv cÖ ‘wZi Rb¨ kxl©¯’vbxq ¯‹z‡ji wbe©vPwb cixÿvi cÖkœcÎ I DËigvjv : eûwbe©vPwb ------------- 6174

61. gwZwSj miKvwi evjK D”P we`¨vjq, XvKv........................................................................................................................61

62. XvKv †iwm‡Wbwmqvj g‡Wj K‡jR...................................................................................................................................62

63. mwdDwÏb miKvi GKv‡Wgx A¨vÛ K‡jR, MvRxcyi...............................................................................................................63

64. gwZwSj miKvwi evwjKv D”P we`¨vjq, XvKv ......................................................................................................................64

65. exi‡kÖô b~i †gvnv¤§` cvewjK K‡jR, XvKv .......................................................................................................................65

66. nwj µm D”P evwjKv we`¨vjq, XvKv ................................................................................................................................66

67. †m›U †hv‡md D”P gva¨wgK we`¨vjq, XvKv.........................................................................................................................67

68. †m›U d«vwÝm †Rwfqvm© Mvj©m nvB ¯‹zj GÛ K‡jR, XvKv ........................................................................................................68

69. e¸ov miKvwi evwjKv D”P we`¨vjq .................................................................................................................................69

70. B¯úvnvbx cvewjK ¯‹zj I K‡jR, Kzwgjøv.......................................................................................................................... 70

71. Wv. Lv ÍMxi miKvwi evwjKv D”P we`¨vjq, PÆMÖvg ...............................................................................................................71

72. eW©vi MvW© cvewjK ¯‹zj GÛ K‡jR, wm‡jU .......................................................................................................................72

73. ewikvj wRjv ¯‹zj ..................................................................................................................................................... 73

74. cywjk jvBÝ ¯‹zj GÛ K‡jR, iscyi ................................................................................................................................74


AwaK Abykxj‡bi gva¨‡g †miv cÖ ‘wZi Rb¨ kxl©¯’vbxq ¯‹z‡ji wbe©vPwb cixÿvi cÖkœcÎ : m„Rbkxj ------------------------------ 7588

75. mvgmyj nK Lvb ¯‹zj GÛ K‡jR, XvKv ............................................................................................................................ 75

76. mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi ................................................................................................................76

77. gwZwSj g‡Wj ¯‹zj GÛ K‡jR, XvKv.............................................................................................................................. 77

78. knx` exi DËg †jt Av‡bvqvi Mvj©m K‡jR, XvKv .............................................................................................................. 78

79. gvBj‡÷vb K‡jR, XvKv...............................................................................................................................................79

80. Av`gRx K¨v›Ub‡g›U cvewjK ¯‹zj, XvKv........................................................................................................................... 80

81. we G Gd kvnxb K‡jR, XvKv ........................................................................................................................................81

82. nwj µm D”P evwjKv we`¨vjq, XvKv ................................................................................................................................82

83. wgicyi K¨v›Ub‡g›U cvewjK ¯‹zj I K‡jR, XvKv ................................................................................................................ 83

84. ivRkvnx K¨v›Ub‡g›U cvewjK ¯‹zj I K‡jR...................................................................................................................... 84

85. beve dqRy‡bœQv miKvwi evwjKv D”P we`¨vjq, Kzwgjøv .......................................................................................................... 85

86. Wv. Lv ÍMxi miKvwi evwjKv D”P we`¨vjq, PÆMÖvg ...............................................................................................................86

87. Rvjvjvev` K¨v›Ub‡g›U cvewjK ¯‹zj GÛ K‡jR, wm‡jU....................................................................................................... 87

88. ewikvj miKvwi evwjKv D”P we`¨vjq.............................................................................................................................. 88

NCTB KZ…©K cÖ`Ë P‚ovšÍ gvbeÈ‡bi Av‡jv‡K cÖYxZ G·K¬zwmf g‡Wj †U÷ I DËigvjv : eûwbe©vPwb ----------------------------------- 8994

89. G·K¬zwmf g‡Wj †U÷ 01 ............................................................................................................................................89

90. G·K¬zwmf g‡Wj †U÷ 02 ............................................................................................................................................90

91. G·K¬zwmf g‡Wj †U÷ 03 ............................................................................................................................................91

92. G·K¬zwmf g‡Wj †U÷ 04 ............................................................................................................................................92

93. G·K¬zwmf g‡Wj †U÷ 05 ............................................................................................................................................93

94. G·K¬zwmf g‡Wj †U÷ 06 ............................................................................................................................................94

NCTB KZ…©K cÖ`Ë P‚ovšÍ gvbeÈ‡bi Av‡jv‡K cÖYxZ G·K¬zwmf g‡Wj †U÷ : m„Rbkxj----------------------------------------------------95100

95. G·K¬zwmf g‡Wj †U÷ 07 ............................................................................................................................................95

96. G·K¬zwmf g‡Wj †U÷ 08 ............................................................................................................................................96

97. G·K¬zwmf g‡Wj †U÷ 09 ............................................................................................................................................97

98. G·K¬zwmf g‡Wj †U÷ 10 ............................................................................................................................................98

99. G·K¬zwmf g‡Wj †U÷ 11.............................................................................................................................................99

100. G·K¬zwmf g‡Wj †U÷ 12 ..........................................................................................................................................100


GmGmwm cix¶vi cÖkœcÎ I

DËigvjv : eûwbe©vPwb

cÖ‡kœi aib I gv‡bi aviYvi

Rb¨ cÖ`Ë

1 XvKv †evW© 2021

welq †KvW : 1 5 2 mgq30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb30 [we‡kl `ªóe¨ : mieivnK…Z eûwbe©vPwb Afxÿvi DËic‡Î cÖ‡kœi µwgK b¤‡ii wecix‡Z cÖ`Ë eY©msewjZ e„Ëmg~n n‡Z mwVK/ m‡e©vrK…ó DË‡ii e„ËwU ej c‡q›U Kjg

Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. Avg`vwbKviK I ißvwbKvi‡Ki g‡a¨ Avw_©K

I eëmvwqK m¤úK© ¯’vc‡b f‚wgKv iv‡L K wkí e¨vsK L wewb‡qvM e¨vsK M GKK e¨vsK N evwYwR¨K e¨vsK DÏxcKwU c‡o 2 I 3bs cÖ‡kœi DËi `vI : Rbve mvwg 3 eQi ci 2,00,000 UvKv

cvIqvi Avkvq wKQy UvKv e¨vs‡K Rgv iv‡Lb| e¨vs‡Ki gybvdvi nvi 10%| Zuvi GK AvZ¥xq cÖ¯Íve w`j H UvKv Zuvi e¨vs‡K Rgv ivL‡j 8 eQi ci wØ¸Y UvKv †diZ w`‡e|

2. Rbve mvwg eZ©gv‡b KZ UvKv e¨vs‡K Rgv iv‡Lb? K 1,50,263 UvKv L 2,00,000 UvKv M 2,60,000 UvKv N 2,66,200 UvKv 3. DÏxcK Abyhvqx

i. Rbve mvwgi my‡hvM e¨q 10% ii. AvZ¥x‡qi †ÿ‡Î my‡ì nvi 12% iii. Rbve mvwgi wewb‡qvM wm×všÍ mwVK

wb‡Pi †KvbwU mwVK? K i I ii L ii I iii M i I iii N i, ii I iii

DÏxcKwU c‡o 4bs cÖ‡kœi DËi `vI : mvb †Kv¤úvwbi weMZ 6 eQ‡ii Avq I SzuwK MYbv

K‡i †`Lv †Mj †h, eëav‡bi e‡M©i †hvMdj 400| 4. mvb †Kv¤úvwbi eëav‡bi e‡M©i Mo KZ? K 20 L 57 M 67 N 80 5. †Kv¤úvwb msMV‡bi Zzjbvq GKgvwjKvbv I

Askx`vwi Kviev‡i †Kvb ai‡bi SzuwK †ewk? K eëmvwqK SzuwK L Avw_©K SzuwK M Zvij¨ SzuwK N my‡ì nvi SzuwK 6. cvewjK wjwg‡UW †Kv¤úvwbi gvwjKvbvq

e¨vs‡Ki †ÿ‡Î me©wb¤œ cwiPvjK KZ? K 2 Rb L 3 Rb M 7 Rb N 13 Rb 7. †Kvb ai‡bi Pµe„w×‡Z wewb‡qvM Ki‡j

fwel¨r g~j¨ me©vwaK n‡e? K gvwmK L ˆÎgvwmK M lvY¥vwmK N evwl©K 8. wkgyj 'M' e¨vs‡K wM‡q Zuvi gv‡qi wnmv‡ei w ’wZ

Rvb‡Z PvB‡j e¨vsK KZ…©cÿ Am¤§wZ Ávcb K‡i| G‡ÿ‡Î 'M' e¨vsK AbymiY K‡i‡Q

K wbivcËvi bxwZ L mveavbZvi bxwZ M D‡Ï‡kï bxwZ N †MvcbxqZvi bxwZ 9. †bvU I gy`ªvi cÖPjb K‡i †Kvb e¨vsK? K †PBb e¨vsK L evwYwR¨K e¨vsK M wewbgq e¨vsK N †K› ªxq e¨vsK DÏxcKwU c‡o 10bs cÖ‡kœi DËi `vI : Rbve wbweo †µZvi wbKU †_‡K cÖvß

4,500 UvKvi GKwU 3 gvm †gqvw` wej †gqv` c~Y© nIqvi c~‡e© 'R' e¨vs‡K evÆvKiY K‡ib| evÆvi nvi 3%|

10. 'R' e¨vs‡Ki Av‡qi cwigvY KZ? K 33.75 UvKv L 45 UvKv M 135 UvKv N 145 UvKv

DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI : Rbve kv‡n` ÔkvcjvÕ I ÔwkDwjÕ bvgK

`ywU cÖK‡í 3 eQ‡ii Rb¨ 1 †KvwU UvKv cÖv_wgK wewb‡qvM K‡ib| ÔkvcjvÕ cÖK‡íi weMZ 3 eQ‡ii wbU gybvdv h_vµ‡g 5 jÿ UvKv, 15 jÿ UvKv I 19 jÿ UvKv| ÔwkDwjÕ cÖK‡íi Mo gybvdvi nvi 28%|

11. kvcjv cÖK‡íi Mo gybvdv KZ? K 13 jÿ UvKv L 15 jÿ UvKv M 18 jÿ UvKv N 23 jÿ UvKv 12. DÏxcK Abyhvqx Rbve kv‡n‡ì

i. kvcjv cÖK‡íi Mo gybvdvi nvi 26% ii. wkDwj cÖKíwU AwaKZi jvfRbK iii. wkDwj cÖK‡í wewb‡qvM Kivi wm×všÍ mwVK

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii

13. Avm‡ji Dci cÖ‡Z¨K eQi my` MYbv Kiv nq K mij my‡ì †ÿ‡Î L Pµe„w× my‡ì †ÿ‡Î M cÖK…Z my‡ì nvi wbY©‡qi †ÿ‡Î N cÖKí g~j¨vq‡bi †ÿ‡Î 14. eëmvwqK SzuwK Gov‡bv hvq

i. ¯’vqx Li‡Pi cwigvY e„w× K‡i ii. FY g~ja‡bi my` wbqwgZ cÖ`vb K‡i iii. Av‡qi w¯’wZkxjZv wbwðZ K‡i

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii *[we.`ª. : mwVK DËi : iii] 15. †KvbwU mij I RbwcÖq g~jab ev‡RwUs c×wZ? K cÖK…Z gybvdvi nvi L wbU eZ©gvb g~j¨ M †c-e¨vK mgq N Af¨šÍixY gybvdvi nvi 16. evwYwR¨K e¨vs‡Ki e¨‡qi LvZ †KvbwU? K cÖZ¨qcÎ L wbixÿ‡Ki wej M wej evÆvKiY N ê‡`wkK wewbgq 17. kvLv †Lvjvi gva¨‡g evwYwR¨K e¨vsK

i. Kg©ms ’v‡bi my‡hvM m„wó K‡i ii. †bvU I gy`ªvi cÖPjb K‡i iii. gvby‡li RxebhvÎvi gvb Dbœqb K‡i

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 18. evwYwR¨K e¨vs‡Ki †gŠwjK D‡Ïk¨ †KvbwU? K g~jab MVb L RbKj¨vY M gybvdv AR©b N Kg©ms ’vb m„wó 19. A‡_©i mgqg~j¨ wba©vi‡Yi g~j KviY †KvbwU? K gy`ªvbxwZ L ewa©Z gybvdv M A‡_©i Zvij¨ N my‡ì nvi 20. eëmvq cÖwZôv‡bi AeKvVv‡gv Dbœq‡bi Rb¨

A_©vq‡bi †Kvb bxwZ AbymiY Kiv DwPZ? K gybvdvi bxwZ L Dchy³Zvi bxwZ M Kviev‡ii êwPÎ¨vqb I SzuwK eÈb bxwZ N m”QjZvi bxwZ

21. wg. mvC` PÆMÖv‡gi wkí GjvKvq GKwU RyZvi KviLvbv wbg©v‡Yi wm×všÍ †bb| wZwb F‡Yi Rb¨ cÖ‡qvR‡b †Kvb ms¯’vi mvnvh¨ MÖnY Ki‡eb?

K BDBL L ADB M IDB N PPP DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : PÆMÖvg kn‡ii ÔQvÎeÜy jvB‡eªixÕ eB weµ‡qi

cvkvcvwk gybvdv e„w×i Rb¨ 1,00,000 UvKv g~‡jï GKwU d‡UvKwc †gwkb µq K‡ib|

22. ÔQvÎeÜy jvB‡eªixiÕ d‡UvKwc †gwkb µq †Kvb ai‡bi wm×všÍ?

K Avq wm×všÍ L wewb‡qvM wm×všÍ M cwiKwíZ wm×všÍ N PjwZ g~jab wm×všÍ 23. d‡UvKwc †gwkb µ‡qi d‡j ÔQvÎeÜy jvB‡eªixiÕ

i. SzuwK n«vm cv‡e ii. weµq e„w× cv‡e iii. ’vqx m¤úwË AwR©Z n‡e


24. wek¦ evwYR¨ ms ’v AvZ¥cÖKvk K‡i K 1960 Gi `k‡K L 1970 Gi `k‡K M 1980 Gi `k‡K N 1990 Gi `k‡K 25. bM` AvšÍtcÖevn I wbU gybvdvi eëavb

†_‡K cvIqv hvq K †gvU AePq L cÖviw¤¢K wewb‡qvM M bM` ewntcÖevn N †gvU PjwZ e¨q 26. RbM‡Yi wbKU †_‡K e¨vsK Avgvb‡Zi gva¨‡g

msM„nxZ A_© wewfbœ eëmvq cÖwZôv‡b FY wn‡m‡e mieivn Ki‡j miKvi I ivóªxq c‡ÿi †cÖÿvc‡U e¨vs‡Ki †Kvb D‡Ïk¨ AwR©Z nq?

K mybvg AR©b L Dbœq‡b AskMÖnY M g~jab MVb N mvgvwRK Ae`vb 27. †KvbwU SzuwKeûj Avq? K †UªRvwi wej †_‡K cÖvß Avq L mvaviY †kqvi †_‡K cÖvß jf¨vsk M †UªRvwi eÛ †_‡K cÖvß Avq N e¨vs‡Ki Avgvb‡Zi Dci cÖvß gybvdv 28. †Kvb ai‡bi Kvievwi cÖwZôv‡b A_©vqb RwUj? K GKgvwjKvbv L Askx`vwi M †Kv¤úvwb N mgevq mwgwZ 29. Drcv`b ÿgZv evov‡bvi Rb¨ me©v‡MÖ

†KvbwU cÖ‡qvRb? K bZzb †gwkb µq L ch©vß KuvPvgvj gRy` M ch©vß Zvi‡jï eë ’v Kiv N bM` cÖevn wbqš¿Y Kiv 30. GKwU cÖKí MÖnY‡hvM¨ nq hw`

i. Mo gybvdvi nvi cÖZ¨vwkZ nvi †_‡K †ewk nq ii. cÖZ¨vwkZ gybvdvi nvi Mo gybvdvi nvi

†_‡K †ewk nq iii. Mo gybvdvi nvi e¨vsK F‡Yi my`

A‡cÿv †ewk nq wb‡Pi †KvbwU mwVK? K i I ii L ii I iii M i I iii N i, ii I iii

1 KLMN 2 KLMN 3 KLMN 4 KLMN 5 KLMN 6 KLMN 7 KLMN 8 KLMN 9 KLMN 10 KLMN


Self test


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1 N 2 K 3 M 4 N 5 M 6 M 7 K 8 N 9 N 10 M 11 K 12 N 13 K 14 * 15 M

16 L 17 L 18 M 19 N 20 L 21 K 22 L 23 N 24 N 25 K 26 M 27 L 28 M 29 K 30 M


2 ivRkvnx †evW© 2021


Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|]

1. cwiPvjb e¨‡q ’vqx LiP †ewk n‡j wb‡Pi †KvbwU m„wó nq?

K Zvij¨ SzuwK L my` nv‡ii SzuwK M eëmvwqK SzuwK N Avw_©K SzuwK 2. evwYwR¨K e¨vs‡Ki K Znwe‡j GKwU ¸iæZ¡c~Y© Af¨šÍixY

Drm AvgvbZ L PjwZ wnmv‡ei g‡°j‡ì‡K †Kv‡bv

myweav †Ìqv nq bv M e¨‡qi GKwU ¸iæZ¡c~Y© LvZ n‡”Q

cÖZ¨qcÎ Bmy¨ Kiv N AvgvbZ MÖnY I FY`vb Kvh©µg abx-

`wi‡`ªi `~iZ¡ n«vm K‡i 3. e¨vsK Kvi cÿ †_‡K cÖZ¨qcÎ Gi

gva¨‡g AwMÖg A_© cÖ`v‡bi eë ’v K‡i? K miKvi L ißvwbKviK M Avg`vwbKviK N FY MÖnxZv DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : wg. AvKvk 3 jÿ UvKv 10% gybvdvq 8

eQ‡ii Rb¨ ÔKÕ e¨vs‡K Rgv ivL‡Z wM‡q Zvi fvB‡qi civg‡k© GKB mg‡q D³ UvKv wØ¸Y nIqvi k‡Z© GK LÐ Rwg µq Ki‡jb|

4. GKB nvi gybvdvq wg. AvKvk ÔKÕ e¨vs‡K H UvKv Rgv ivL‡j 5 eQi ci KZ UvKv gybvdv †cZ?

K 1,83,150 UvKv L 2,38,153 UvKv M 3,00,000 UvKv N 4,83,153 UvKv 5. DÏxcK Abyhvqx

i. wg. AvKv‡ki my‡hvM e¨q 10% ii. Rwg µ‡qi †ÿ‡Î my‡ì nvi 10% n‡e iii. wg. AvKv‡ki wewb‡qvM wm×všÍ mwVK

wb‡Pi †KvbwU mwVK? K i L ii M iii N i I iii

6. †bvU Bmyï †ÿ‡Î e¨vsK AbymiY K‡i K mveavbZvi bxwZ L wgZe¨wqZvi bxwZ M †MvcbxqZvi bxwZ N we‡klvq‡bi bxwZ 7. wbU gybvdvi mv‡_ AePq †hvM Ki‡j

†KvbwU cvIqv hv‡e? K †gvU weµq L Ki cieZ©x Avq M Mo gybvdv N bM` AvšÍtcÖevn DÏxcKwU c‡o 8 I 9bs cÖ‡kœi DËi `vI : wg. dinv` ÔKÕ cÖKí †_‡K wZb eQ‡i

h_vµ‡g 5%, 10% I 15% gybvdv †c‡jb| Avevi ÔLÕ cÖK‡íi Rb¨ GKwU †gwkb wKb‡Z 90,000 UvKv cÖ‡qvRb| †gwkbwU eënvi K‡i †m AvMvgx 4 eQi evwl©K 30,000 UvKv K‡i AvšÍtcÖevn wbwðZ Ki‡Z cvi‡eb|

8. ÔLÕ cÖK‡íi †c-e¨vK mgq KZ eQi? K 3 eQi L 3.5 eQi M 4 eQi N 4.5 eQi 9. ÔKÕ cÖK‡íi Av`k© wePz¨wZ wb‡Pi †KvbwU? K 5% L 10% M 12% N 15%

10. weµqjä A_© w`‡q Kg©Pvixi †eZb cwi‡kva Kiv n‡j wb‡Pi †KvbwU Abym„Z nq?

K Zvij¨ bxwZ L gybvdvi bxwZ M êwPÎ¨vqb bxwZ N Dchy³Zvi bxwZ DÏxcKwU c‡o 11bs cÖ‡kœi DËi `vI : Rbve Zv‡je Zvi wbKUeZ©x GKwU e¨vs‡K Ggb

GKwU wnmve Ly‡j‡Qb, †h wnmv‡e Avgvb‡Zi wecix‡Z †Kv‡bv my` cvIqv hvq bv|

11. Rbve Zv‡je †Kvb ai‡bi wnmve Ly‡j‡Qb? K mÂqx wnmve L ’vqx wnmve M wegv mÂqx wnmve N PjwZ wnmve 12. wb‡Pi †KvbwUi †ÿ‡Î †Kej Avm‡ji Dci

my` MYbv Kiv nq? K Pµe„w×KiY L mij my` M cÖK…Z my‡ì nvi N evwl©K evÆvKiY 13. wb‡Pi †Kvb ai‡bi A_©vq‡b Avg`vwb I

ißvwb LvZ¸‡jv wb‡q Av‡jvPbv Kiv nq? K miKvwi L cvwievwiK M eëmvq N AvšÍR©vwZK 14. Avq-e¨q cÖv°j‡bi c~‡e©B †KvbwU wba©viY

Kiv LyeB ¸iæZ¡c~Y©? K Mo gybvdvi nvi L evÆv nvi M †c-e¨vK mgq N Af¨šÍixY gybvdvi nvi 15. cÖK…Z djvdj cÖZ¨vwkZ djvdj †_‡K

wfbœ nIqvi m¤¢vebv‡K Kx ejv nq? K AwbðqZv L SzuwK M `y‡h©vM N jvf ev ÿwZ 16. evwYwR¨K e¨vs‡Ki e¨‡qi LvZ †KvbwU? K wegv wcÖwgqvg L cÖ`Ë F‡Yi my` M wewb‡qvM N jKvi fvov 17. wb‡Pi †KvbwU wewb‡qvM wm×všÍ? K †kqvi µq L KuvPvgvj µq M wW‡eÂvi µq N AvmevecÎ µq DÏxcKwU c‡o 18bs cÖ‡kœi DËi `vI : wg. KvRj Zvi evevi e¨vsK wnmv‡ei DØ„Ë

Rvb‡Z PvB‡j e¨vsK Kg©KZ©v AcviMZv cÖKvk K‡ib|

18. DÏxc‡K e¨vswKs eëmv‡qi †Kvb bxwZ Abym„Z nq?

K †MvcbxqZvi bxwZ L `ÿZvi bxwZ M wbivcËvi bxwZ N mveavbZvi bxwZ 19. `ªe¨g~j¨ e„w×i g~j KviY †KvbwU? K evwYR¨ NvUwZ L gy`ªvùxwZ M Zvij¨ msKU N RxebhvÎvi gvb Dbœqb 20. †c-e¨vK c×wZ Ges Mo gybvdvi nvi

c×wZi g‡a¨ wgj i‡q‡Q i. A‡_©i mgq g~j¨ we‡ePbvi w`K †_‡K ii. bM` cÖevn we‡ePbvi w`K †_‡K iii. †evaMg¨Zv we‡ePbvi w`K †_‡K


21. evRvi A_©bxwZ‡Z KqwU cÖ‡kœi DËi evRvi †_‡K wb‡Z nq?

K 2wU L 3wU M 4wU N 5wU 22. F‡Yi gva¨‡g AvgvbZ m„wói mgq

i. FY MÖnxZv‡K GKwU e¨vsK wnmve Lyj‡Z nq

ii. F‡Yi A_© FY MÖnxZvi wnmv‡e †µwWU Kiv nq

iii. F‡Yi A_© FY MÖnxZv‡K bM‡` cÖ`vb Kiv nq


23. wb‡Pi †KvbwU miKvi I ivóªxq c‡ÿi †cÖÿvc‡U e¨vs‡Ki D‡Ïk¨?

K mvgvwRK Ae`vb L mybvg AR©b M wbivcËv N Kg©ms ’vb 24. QvcvLvbvi eë¯’vcK Rbve ZvwiK g~jab

ev‡RwUs‡qi mvnv‡h¨ †Kvb wm×všÍwU MÖnY Ki‡eb?

K KvMR µq L Qvcv‡bvi hš¿ µq M c‡Yï gvb hvPvB N c‡Yï g~j¨ wba©viY 25. evwYwR¨K e¨vsK Kxfv‡e gy`ªv cÖPj‡b

mnvqZv K‡i? K we‡kl wbq‡g L ¯vfvweK wbq‡g M c‡ivÿfv‡e N cÖZ¨ÿfv‡e DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI : PjwZ g~jab eë¯’vcbvi j‡ÿ¨ wg. ivwKe

10,000 UvKvi wZb gvm †gqvw` GKwU wej 9,700 UvKvq 'P' e¨vsK †_‡K fvwO‡q †bb|

26. DÏxc‡Ki wej fvOv‡bvi KvRwU 'P'

e¨vs‡Ki Kxiƒc Av‡qi Drm? K F‡Yi my` L cÖwZwbwaZ¡ M AwQ N wej evÆvKiY 27. DÏxcK Abyhvqx

i. 'P' e¨vs‡Ki Avq 300 UvKv ii. Kvievwi A_©vq‡bi bxwZ D‡cwÿZ n‡q‡Q iii. g~jab eë ’vcbvq ivwK‡ei M„nxZ

c`‡ÿc h_v_© wQj wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii

28. wg. gwZb †Kvb †mev MÖn‡Yi gva¨‡g evwoi Rb¨ wd«‡Ri eë¯’v Ki‡Z cvi‡eb?

K gyivevnv L gy`vivev M gymvivKv N BRviv 29. wb‡Pi †KvbwUi Kvi‡Y eZ©gvb I fwel¨r

mg‡qi g‡a¨ A‡_©i g~‡jï cv_©K¨ N‡U? K my‡ì nvi L A‡_©i Zvij¨ M gy`ªvbxwZ N ewa©Z gybvdv 30. eÛ I wW‡eÂvi †µZv‡K †gvKvwejv Ki‡Z nq

i. Zvij¨ SzuwK ii. my` nv‡ii SzuwK iii. Avw_©K SzuwK




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1. †KvbwU KvVv‡gvwfwËK e¨vsK? K GKK e¨vsK L wkí e¨vsK M mÂqx e¨vsK N ivóªxq e¨vsK 2. mÂqx Avgvb‡Zi Dci my` cvIqv hvq KZ

nv‡i?

K 5%6% L 5%7%

M 12%13% N 12%14% 3. cvi¯úwiK DbœwZ mva‡bi D‡Ï‡k¨ MwVZ

nq †Kvb e¨vsK? K MÖæc e¨vsK L kvLv e¨vsK M †PBb e¨vsK N GKK e¨vsK 4. jvf-†jvKmvb mgeÈ‡bi K_v ejv n‡q‡Q

Bmjvwg e¨vswKs‡q †Kvb †mevq? K gy`vivev L gyivevnv M BRviv N gymvivKv 5. LC Gi c~Y©iƒc †jL| K Letter of Commerce L Letter of Credit M Letter of Certificate N Letter of Cost

DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : hgybv e¨vsK evsjv‡`‡k †K›`ªxq e¨vs‡Ki

Aax‡b bZzb GKwU e¨vsK| GwU RbM‡Yi Ajm A_© AvgvbZ iv‡L I AwaK nv‡i my‡` FY †`q| GwU mybvg e„w×i gva¨‡g ’vwqfv‡e e¨vsK eëmvq wU‡K _vK‡Z Pvq|

6. hgybv e¨vsKwUi cÖavb D‡Ïk¨ Kx? K AvgvbZ ivLv L my` MÖnY Kiv M FY †Ìqv N gybvdv AR©b Kiv

7. hgybv e¨vsKwUi mybvg e„w×‡Z KiYxq n‡jv i. jKvi fvov †Ìqv ii. m‡e©v”P MÖvnK †mev cÖ`vb iii. `ÿZv Dbœqb

wb‡Pi †KvbwU mwVK? K i I ii L ii I iii

M i I iii N i, ii I iii 8. msiwÿZ Znwej n‡”Q K FYcÎ weµq K‡i Znwej msMÖn L wewfbœ †gqv‡` AvgvbZ MÖnY M fwel¨‡Zi Rb¨ mwÂZ gybvdvi GKwU Ask N †K› ªxq e¨vsK n‡Z Znwej msMÖn

9. cÖvc¨ wej evÆvKiY Kiv nq KviY K bM` UvKvi cÖ‡qvRb n‡j L bM` UvKv †ewk cvIqvi Avkvq M †ewk Kwgkb cvIqvi Avkvq N †gqv` c~Y© n‡j 10. evwYwR¨K e¨vs‡Ki Av‡qi cÖavb Drm Kx? K mvwf©m PvR© L Kwgkb Av`vq M F‡Yi my` MÖnY N cÖvc¨ wej evÆvKiY

11. cÖwZôv‡bi `xN©‡gqvw` wewb‡qvM wm×v‡šÍi

mv‡_ RwoZ cÖwµqvwU n‡”Q K wewfbœ †KŠkj L gybvdv ev‡RwUs M g~jab ev‡RwUs N m¤úwË ev‡RwUs

12. g~jab ev‡RwUs cÖwµqvi avc n‡jv i. g~jab ev‡RwUs c×wZ wbe©vPb I cÖ‡qvM ii. bM` cÖevn cÖv°jb iii. evÆv nvi wba©viY


13. GKwU cÖK‡íi wbU gybvdv h_vµ‡g 36.66

UvKv, 16.57 UvKv I (19.03) UvKv| cÖKíwUi Mo gybvdv KZ?

K 8.40 UvKv L 9.40 UvKv M 10.40 UvKv N 11.40 UvKv 14. ARR-Gi c~Y©iƒc Kx? K Accounting Rate of Return L Actual Rate of Return M Annual Rate of Return N Accumulated Rate of Return 15. bM` AvšÍtcÖevn I wbU gybvdvi eëavb‡K

Kx ejv nq? K †gvU AePq L bM` ewntcÖevn M †gvU PjwZ e¨q N cÖviw¤¢K wewb‡qvM

16. SzuwK eë ’vcbvi Rb¨ Riæwi n‡jv i. SzuwKi Drm wbY©q ii. SzuwKi †kÖwY wbY©q iii. SzuwKi Rb¨ A‡cÿv Kiv


M i I iii N i, ii I iii

17. Awdm fvovi cwigvY †ewk n‡j †Kvb ai‡bi SzuwK m„wó nq?

K Avw_©K SzuwK L eëmvwqK SzuwK M my` nv‡ii SzuwK N Zvij¨ SzuwK

DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI :

Avjvwgb GÛ mÝ Zv‡ì 6 eQ‡ii Avq I SzuwK MYbv K‡i †`Lj †h, Mo eëav‡bi e‡M©i †hvMdj 840|

18. Avjvwgb GÛ m‡Ýi eëav‡bi e‡M©i Mo KZ n‡e?

K 124 L 140 M 148 N 168 19. D³ cÖwZôv‡bi Av`k© wePz¨wZ KZ n‡e? K 12.83% L 12.96% M 13.01% N 13.08% 20. wePz¨wZ †_‡K Kx m„wó nq? K SzuwK L AwbðqZv M Avq N e¨q

21. Ôiæj 72Õ Abyhvqx wb‡Pi †KvbwU‡K my‡ì nvi w`‡q fvM Ki‡j †gqv` cvIqv hv‡e?

K Avmj L 72 M wØ¸Y nvi N my`vmj 22. A‡_©i Pµe„w× n‡j †Kvb g~j¨ K‡g hvq? K fwel¨r L eZ©gvb M cÖK…Z my‡ì nvi N mij my‡ì nvi 23. EAR wbY©‡qi m~Î †KvbwU?

K ( )1 + im

m

+ 1 L ( )1 + im

n

+ 1

M ( )1 + im

m

1 N ( )1 + im

i

+ 1

24. 5% nv‡i eZ©gv‡b 200 UvKvi 5 eQi ci g~j¨ KZ?

K 220.50 UvKv L 220.05 UvKv M 520.05 UvKv N 520.50 UvKv [we.`ª. : mwVK DËi : 255.26 UvKv]

DÏxcKwU c‡o 25 I 26bs cÖ‡kœi DËi `vI : bvRgyj e¨vs‡K ê‡`wkK evwYR¨, FY`vb

BZ¨vw` myôzfv‡e m¤úv`‡bi Rb¨ c„_K c„_K wefvM i‡q‡Q| d‡j Kv‡Ri `ÿZv I gvb e„w× cvq|

25. DwjøwLZ Kv‡Ri gva¨‡g bvRgyj e¨vs‡Ki †Kvb bxwZ cwijwÿZ nq?

K `ÿZvi bxwZ L we‡klvq‡bi bxwZ M †mevi bxwZ N mybv‡gi bxwZ 26. bvRgyj e¨vs‡Ki Kvh©`ÿZv e„w×i KviY

i. GKRb Kg©x GKwU wbw`©ó KvR K‡i ii. GKB RvZxq KvR evi evi GKRbB K‡i iii. GKB e¨w³ wewfbœ wefv‡Mi `vwqZ¡

cvjb K‡i wb‡Pi †KvbwU mwVK? K i I ii L ii I iii M i I iii N i, ii I iii

27. WTO †Kvb `k‡K AvZ¥cÖKvk K‡i? K 1970 L 1980 M 1990 N 2000 28. Avq wm×v‡šÍi Aci bvg Kx? K e¨q wm×všÍ L wewb‡qvM wm×všÍ M gybvdv wm×všÍ N A_©vqb wm×všÍ 29. cY¨ êwPÎ¨vqb Ki‡j eëmv‡q K e¨vsK FY †ewk cv‡e L weµq e„w× I SzuwK n«vm cv‡e M mybvg evo‡e N c‡Yï gvb DbœZ n‡e 30. ¯^í‡gqvw` Znwej w`‡q PjwZ g~jab I

`xN©‡gqvw` Znwej w`‡q ’vqx g~jab mieivn Kiv wb‡¤œi †Kvb bxwZi AvIZvfz³?

K Dchy³Zvi bxwZ L Zvij¨ bxwZ M gybvdvi bxwZ N SzuwK eÈb bxwZ



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1. my‡ì nvi 10% n‡j 5 eQi c‡ii 100 UvKvi eZ©gvb g~j¨ KZ?

K 62.09 UvKv L 63.09 UvKv M 64.09 UvKv N 65.09 UvKv

2. GKwU Kvievi cÖwZôvb †`Dwjqv n‡q hvq i. FY cwi‡kv‡a e¨_© n‡j ii. `vq cwi‡kv‡a Aÿg n‡j iii. F‡Yi my` cÖ`vb bv Ki‡j

wb‡Pi †KvbwU mwVK? K i I ii L i I iii

M ii I iii N i, ii I iii

3. evÆvKi‡Yi gva¨‡g Avgiv †KvbwU wbY©q Ki‡Z cvwi?

K my‡ì nvi L my`vmj M eZ©gvb g~j¨ N fwel¨r g~j¨

DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : Rbve †gvnvb GKRb eëmvqx| Zvi

wewb‡qvMK…Z g~jab 2,00,000 UvKv| wZwb Avkv Ki‡Qb G eQi 15% wbU gybvdv Ki‡eb| wKš‘ cÖK…Z jvf n‡jv 10%|

4. DÏxc‡K Rbve †gvnv‡bi SzuwKi cwigvY KZ? K 20% L 15% M 5% N 3% 5. Rbve †gvnv‡bi cÖK…Z jv‡fi cwigvY KZ? K 50,000 UvKv L 30,000 UvKv M 25,000 UvKv N 20,000 UvKv 6. cwiPvjbv LiP cwi‡kv‡ai AÿgZv †_‡K

wb‡¤œi †KvbwU m„wó nq? K Avw_©K SzuwK L my‡ì nv‡ii SzuwK M Zvij¨ SzuwK N eëmvq SzuwK

7. SzuwK n«vm Kiv hvq i. wewfbœ †KŠkj Aej¤^b K‡i ii. mwVK cwiKíbvi gva¨‡g iii. cÖwZôv‡bi e¨q Kwg‡q



8. wewb‡qvMKvixi „wó‡KvY †_‡K SzuwK Kq ai‡bi? K `yB L wZb M Pvi N cuvP 9. eëmvq cÖwZôv‡bi mvdj¨ wbf©i K‡i

Kx‡mi Ici? K ¯í‡gqvw` wewb‡qvM wm×v‡šÍi Ici L ga¨‡gqvw` wewb‡qvM wm×v‡šÍi Ici M `xN©‡gqvw` wewb‡qvM wm×v‡šÍi Ici N cÖwZôv‡bi Avq-e¨‡qi Ici 10. g~jab ev‡RwUs-Gi c×wZ KqwU? K 2wU L 3wU M 4wU N 5wU

11. g~jab ev‡RwUs Gi c×wZmg~n wb‡Pi †KvbwUi Rb¨ ¸iæZ¡c~Y©?

K cÖK‡íi gybvdvi nvi wbY©q L wewb‡qv‡Mi jvfRbKZv wbY©q M cÖwZôv‡bi jÿ¨ wba©viY N cÖKí wbe©vPb

DÏxcKwU c‡o 12bs cÖ‡kœi DËi `vI : GKwU cÖK‡íi wewb‡qvMK…Z g~jab

1,00,000 UvKv hv †_‡K AvMvgx wZb eQi h_vµ‡g 70,000 UvKv, 50,000 UvKv Ges 20,000 UvKv cvIqv hv‡e|

12. D³ cÖK‡íi wewb‡qvMK…Z UvKv KZ eQ‡i †diZ cvIqv hv‡e?

K 1.5 eQi L 1.6 eQi M 1.05 eQi N 1.06 eQi 13. wbU gybvdvi mv‡_ wb‡¤œi †KvbwU †hvM

Ki‡j bM` cÖevn cvIqv hvq? K †gvU e¨q L AePq M †gvU Avq N †gvU m¤ú` 14. e¨vs‡Ki gvwjK I eë¯’vcbv KZ©„c‡ÿi

†cÖÿvc‡U e¨vs‡Ki D‡Ïk¨vewj wb‡¤œi †KvbwU? K g~jab MVb L mybvg AR©b M A_© ¯’vbvšÍi N Kg©ms ’vb 15. GK †`‡k wbewÜZ e¨vsK Ab¨ †`‡k e¨vsK eëmv

cwiPvjbv Ki‡j Zv‡K Kx e¨vsK e‡j? K †`wk e¨vsK L AvÂwjK e¨vsK M we‡`wk e¨vsK N RvZxq e¨vsK 16. cÖvB‡fU e¨vs‡Ki m‡e©v”P cwiPvj‡Ki

msL¨v KZ? K 15 L 13 M 9 N 7

DÏxcKwU c‡o 17bs cÖ‡kœi DËi `vI : X Ges Y `ywU e¨vsK| X e¨vsKwU e„nr

e¨vsK Ges Y e¨vsKwU `ye©j cÖK…wZi nIqvq X e¨vsK, Y e¨vs‡Ki †kqvi µq K‡i wbj| d‡j Y e¨vsK, X e¨vs‡Ki Aaxb ’ e¨vsK wnmv‡e AvZ¥cÖKvk Kij|

17. e¨vs‡Ki †kÖwYweb¨vm Abyhvqx DÏxc‡Ki e¨vsK `ywU †Kvb ai‡bi e¨vswKs?

K MÖæc e¨vswKs L †PBb e¨vswKs M kvLv e¨vswKs N GKK e¨vswKs 18. †µwWU KvW© mieivn K‡i wb‡¤œi †Kvb e¨vsK? K AvšÍR©vwZK e¨vsK L we‡`wk e¨vsK M †fv³v e¨vsK N mgevq e¨vsK 19. evwYwR¨K e¨vs‡Ki †gŠwjK D‡Ïk¨ Kx? K g~jab MVb L Kg©ms ’vb m„wó M RbKj¨vY N gybvdv AR©b

20. cÖvwZôvwbK cwiPvjbvq evwYwR¨K e¨vsK i. cÖPviKv‡h© e¨q K‡i ii. mÂqx wnmv‡e Rgv‡bv A‡_©i Ici

gybvdv †`q iii. wkÿvbwek †mjvwg cÖ`vb K‡i



21. evwYwR¨K e¨vs‡Ki e¨‡qi Drm †KvbwU? K wbixÿ‡Ki wej L jKvi fvov M wewb‡qvM N wej evÆvKiY 22. evwYwR¨K e¨vsK wewbg‡qi gva¨g wnmv‡e

eënvi K‡i †KvbwU? K †c-AW©vi L mvaviY †kqvi M AMÖvwaKvi †kqvi N eÛ 23. evwYwR¨K e¨vs‡Ki fwel¨r g~jab †KvbwU? K †kqvi L msiwÿZ Znwej M FY N eÛ 24. ˆ`bw›`b e¨q wbe©v‡ni Rb¨ ch©vß A_© nv‡Z

ivLv, A_©vq‡bi †Kvb bxwZ? K Dchy³Zvi L êwPÎ¨vqb M Zvij¨ N SzuwK eÈb 25. miKvwi A_©vq‡bi g~j jÿ¨ Kx? K e¨w³MZ Kj¨vY L mgvR Kj¨vY M miKv‡ii Kj¨vY N gš¿Yvj‡qi Kj¨vY 26. Kvievwi cÖwZôvb‡K Kqfv‡M fvM Kiv hvq? K Qq L cuvP M Pvi N wZb

27. Avw_©K ÿwZ en‡b e¨w³MZ m¤úwË eën„Z nq i. GKgvwjKvbv Kviev‡i ii. Askx`vwi Kviev‡i iii. †hŠ_g~jawb Kviev‡i



28. `wR©i †`vKv‡bi Rb¨ GKwU †mjvB †gwkb µq Kx ai‡bi wm×všÍ?

K Avq wm×všÍ L PjwZ Avq wm×všÍ M PjwZ e¨q wm×všÍ N wewb‡qvM wm×všÍ 29. my`vm‡ji Ici my` cÖ`vb Kiv nq †Kvb †ÿ‡Î? K mij my‡` L Pµe„w× my‡` M †gvU my‡` N wbU my‡` 30. Ôiæj 72Õ †K †gqv` Øviv fvM Ki‡j Kx

cvIqv hvq? K †gvU my` L Pµe„w× my M my‡ì nvi N wbU my`



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1. miKvi Kv‡ì KvQ †_‡K ê‡`wkK FY MÖnY K‡i?

K OIC L BCIC M IDB N IRR DÏxcKwU c‡o 2 †_‡K 4bs cÖ‡kœi DËi `vI : wg. 'A' wb‡Ri Rgv‡bv A_© Ges ÔcZvKv

e¨vsKÕ †_‡K FY wb‡q nvDwRs eëmvq ïiæ Ki‡Z Pvb| G‡ÿ‡Î wZwb e¨vsK F‡Yi Rb¨ Av‡e`b K‡ib|

2. wg. 'A' †Kvb e¨vsK †_‡K FY MÖnY Ki‡Z cvi‡eb?

K †K›`ªxq e¨vsK L evwYwR¨K e¨vsK M †fv³v e¨vsK N kÖwgK e¨vsK 3. cZvKv e¨vsK cÖK‡í FY †Ìqvi mgq Kx

Kx welq we‡ePbv K‡i? i. cÖK‡íi jvfRbKZv ii. cÖKíwUi mgq iii. cÖK‡íi eë ’vcbv

wb‡Pi †KvbwU mwVK? K i L ii M iii N i, ii I iii

4. e¨vsK wg. 'A' †K Kx ai‡bi civgk© w`‡Z cv‡i? i. cÖK‡íi jvfRbKZv ii. cÖK‡íi cwiea©b iii. cÖK‡íi cwigvR©b



5. Av`k© wePz¨wZi mwVK m~Î †KvbwU?

K

(e¨q nvi Mo nvi)2

n 1

L (Avq nvi Mo nvi)2

n 1

M (Avq nvi + Mo nvi)2

n + 1

N (Avq nvi Mo nvi)2

n 1

[we.`ª. : mwVK DËi : L I N] 6. evsjv‡`‡ki wkí Dbœq‡b cÖZ¨ÿfv‡e †Kvb

e¨vsK RwoZ? K IDB L BDBL M ICB N ADB 7. cÖK…Z my‡ì nvi wb‡`©k K‡i †KvbwU? K FV L PV M EAR N IRR 8. †gvU gybvdv †_‡K Ki ev` w`‡j †KvbwU

cvIqv hvq? K AePq L wbU gybvdv M bM` cÖevn N mwÂwZ

9. AvaywbK A_©vq‡bi hvÎv ïiæ nq KZ mv‡j? K 1930 L 1940 M 1950 N 1960 10. Avq wm×v‡šÍi Aci bvg Kx? K e¨q wm×všÍ L wewb‡qvM wm×všÍ M A_©vqb wm×všÍ N Ab¨vb¨ wm×všÍ 11. Av`k© wePz¨wZ Kx ai‡bi c×wZ? K cwimsL¨vwbK c×wZ L A_©vqb c×wZ M MvwYwZK c×wZ N R¨vwgwZK c×wZ 12. my‡ì nvi 10% n‡j 5 eQi c‡ii 1000

UvKvq eZ©gvb g~j¨ KZ? K 620.92 L 1610.51 M 400.18 N 900.53 13. †Kvb e¨vs‡Ki Avjv`v †Kv‡bv mËv _v‡K bv? K †PBb e¨vsK L MÖæc e¨vsK M kvLv e¨vsK N GKK e¨vsK 14. K…wl e¨vsK †Kvb ai‡bi Avw_©K cÖwZôvb? K ivóªvqË L ¯vqËkvwmZ M miKvwi N we‡klvwqZ 15. Avw_©K eë ’vcKiv KZ ai‡bi wm×všÍ

wb‡q KvR K‡i? K 2 L 4 M 5 N 7 16. miKvwi A_©vq‡bi g~j jÿ¨ Kx? K gybvdv AR©b L SzuwK Kgv‡bv M mgvRKj¨vY N Dbœqb 17. gvwmK Pµe„w×i †ÿ‡Î m Gi gvb KZ? K 7 L 12 M 52 N 72 18. fwel¨‡Z wbw`©ó cwigvY UvKv cvIqvi Rb¨

wb‡Pi †Kvb m~ÎwU cÖ‡qvM Ki‡Z n‡e? K FV = PV (1 + i)n L FV = PV (1 + mI)mn

M PV = FV

(1 + i)n

N PV = FV

( )1 + im

n m

19. cÖK…Z Avq I cÖZ¨vwkZ Avq memgq mgvb nIqv‡K Kx e‡j?

K SzuwKeûj Avq L AwR©Z Avq M cÖK…Z Avq N SzuwKgy³ Avq

DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : ÔeÜbÕ †Kv¤úvwbi eë ’vcK bZzb GKwU

†gwkb µ‡qi jvfRbKZv wbY©‡qi c~‡e© cici 5 eQ‡ii gybvdvi mv‡_ AePq †hvM bv K‡iB †gvU gybvdv‡K 5 Øviv fvM K‡ib wKš‘ †gvU wewb‡qvM‡K 2 Øviv fvM K‡ib|

20. eÜb †Kv¤úvwbi Abym„Z c×wZ †KvbwU? K wbU eZ©gvb g~j¨ L †c-e¨vK mgq M Mo gybvdvi nvi N Af¨šÍixY gybvdvi nvi 21. DÏxc‡K wb‡`©wkZ c×wZwUi mxgve×Zv

n‡jv i. A‡_©i mgqg~j¨ D‡cwÿZ ii. mKj bM` cÖev‡ni g~j¨ mgvb iii. gybvdv I wewb‡qvM‡K wfbœ msL¨v Øviv fvM



22. g~jab ev‡RwUs Gi c×wZ KqwU? K 2wU L 3wU M 4wU N 5wU 23. Letter of Credit Gi evsjv A_© Kx? K gvbcÎ L g~j¨vqbcÎ M cÖZ¨qcÎ N QvocÎ 24. evwYwR¨K e¨vs‡Ki †gŠwjK D‡Ïk¨ Kx? K g~jab MVb L wewb‡qvM M FY`vb N gybvdv AR©b

DÏxcKwU c‡o 25 I 26bs cÖ‡kœi DËi `vI : GKRb wewb‡qvMKvix weMZ 3 eQ‡ii

gybvdvi cwigvY h_vµ‡g 10,70,000 UvKv, 16,30,000 UvKv Ges 12,00,000 UvKv Ges cÖv_wgK wewb‡qvM 1 †KvwU|

25. Mo gybvdv KZ n‡e? K 9 jÿ L 10 jÿ M 13 jÿ N 16 jÿ 26. wewb‡qvMKvixi Mo gybvdvi nvi KZ n‡e? K 20% L 22% M 26% N 27% 27. Znwej msMÖnK…Z cÖwµqv‡K Kx e‡j?

K e¨q wm×všÍ L Avq wm×všÍ

M wewb‡qvM wm×všÍ N me¸‡jv

28. wb‡Pi †KvbwU †_‡K SzuwKi D™¢e nq?

K wbðqZv L AwbðqZv

M A_© N eëmvq

29. L.C Kvh©µgwU A_©bxwZi †Kvb Kv‡Ri

mv‡_ m¤úwK©Z?

K ê‡`wkK evwYR¨ L Af¨šÍixY evwYR¨ M FY MÖnY N mÂq m„wó

30. †KvbwU evwYwR¨K e¨vs‡Ki bxwZewnf©~Z?

K FY wbqš¿Y bxwZ L m”QjZvi bxwZ

M gybvdvi bxwZ N wbivcËvi bxwZ



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1 M 2 L 3 K 4 N 5 * 6 L 7 M 8 L 9 N 10 M 11 K 12 K 13 M 14 N 15 K

16 M 17 L 18 K 19 N 20 M 21 K 22 M 23 M 24 N 25 M 26 M 27 L 28 L 29 K 30 K


6 wm‡jU †evW© 2021



1. FY MÖn‡Yi Av‡M Kx hvPvB Ki‡Z nq? K A‡_©i mgqg~j¨ L cwi‡kva ÿgZv M g~jab e¨q N m¤¢ve¨ e¨q 2. cÖK…Z my‡ì nv‡ii mswÿß iƒc †KvbwU? K IRR L ARR M NPV N EAR 3. Ôiæj-72Õ Gi †ÿ‡Î †Kvb c×wZ‡Z my`

MYbv Kiv nq? K mij my` L evwl©K Pµe„w× M ˆÎgvwmK Pµe„w× N Aa©-evwl©K Pµe„w× 4. kZKiv 10% nv‡i eZ©gvb 500 UvKvi 2

eQi c‡ii fwel¨r g~j¨ KZ? K 625 UvKv L 615 UvKv M 605 UvKv N 600 UvKv 5. eëmvq cÖwZôvb †`Dwjqv nIqvi KviY

i. eëmvq gybvdv Kg n‡j ii. bZzb FY MÖnY Ki‡j iii. FY cwi‡kv‡a e¨_© n‡j


6. miKvwi Av‡qi LvZ †KvbwU? K iv¯ÍvNvU L Avg`vwb ïé M miKvwi nvmcvZvj N mvgvwRK AeKvVv‡gv 7. Kw¤úDUvi Aa¨v‡qi m~Pbv nq †Kvb `k‡K? K 1940 L 1950 M 1960 N 1970 8. gybvdv e„w× Ki‡Z AwaK A_© wewb‡qvM Ki‡j

i. PjwZ m¤ú` e„w× cvq ii. PjwZ m¤ú` n«vm cvq iii. Zvij¨ NvUwZ nq


DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : Rbve mvwKe †cvkvK ˆZwii KviLvbv Pvjy

Ki‡Z Pvb| GRb¨ wZwb Kvco ˆZwii GKwU †gwkb µq K‡ib| †gwkbwU †_‡K AvMvgx `k eQi cY¨ Drcv`b Kiv hv‡e e‡j g‡b Kiv nq|

9. Rbve mvwK‡ei †mjvB †gwkb µq †Kvb ai‡bi wm×všÍ?

K wewb‡qvM L eë ’vcbv M A_©vqb N Avq 10. Rbve mvwK‡ei AvMvgx `k eQi weµqjä

bM` cÖevn †ei Kiv m¤¢e n‡e i. †gwkbwUi µqg~j¨ wbY©q K‡i ii. †gwk‡bi fMœve‡kl g~j¨ wbY©q K‡i iii. weµ‡qi cwigvY wbY©q K‡i


11. `xN©‡gqvw` wewb‡qvM wm×všÍ n‡jv i. m¤úwËi cÖwZ ’vcb ii. KuvPvgvj µq iii. `vjvb‡KvVv wbg©vY


12. g~jab ev‡RwUs-Gi mnR c×wZ †KvbwU? K Af¨šÍixY gybvdvi nvi c×wZ L †c-e¨vK mgq c×wZ M wbU eZ©gvb g~j¨ c×wZ N Mo gybvdvi nvi c×wZ 13. Dcgv MÖæc 60,000 UvKv e¨‡q GKwU

†gwkb µq K‡ib| †gwkbwUi Avqy®‹vj 5 eQi n‡j †gwk‡bi evwl©K AePq KZ?

K 10,000 UvKv L 11,000 UvKv M 12,000 UvKv N 14,000 UvKv 14. g~jab ev‡RwUs‡K Kx cÖwµqv ejv nq? K g~j¨vqb L wewb‡qvM M SzuwKhy³ N wm×všÍ MÖnY 15. Rbve ¯^cœ wbR¯ A_©vq‡b GKwU wgj ’vcb

I cwiPvjbv K‡ib| g~jab ev‡RwUs Gi mvnv‡h¨ wZwb wb‡Pi †Kvb wm×všÍ wb‡eb?

K kÖwg‡Ki gRywi L cwienb e¨q M †gwkb µq N c‡Yï g~j¨ wba©viY 16. `vq cwi‡kv‡ai AÿgZv †_‡K †h SzuwKi

m„wó nq Zv‡K Kx e‡j? K Avw_©K SzuwK L eëmvwqK SzuwK M Zvij¨ SzuwK N my` nv‡ii SzuwK 17. AwbðqZvi †h Ask cwigvc Kiv hvq

Zv‡K Kx e‡j? K cÖZ¨vwkZ Avq L cÖK…Z Avq M wePz¨wZ N SzuwK 18. SzuwK n«vm Kiv hvq

i. mwVK cwiKíbvi gva¨‡g ii. wewfbœ †KŠkj Aej¤^‡bi gva¨‡g iii. cÖwZôv‡bi e¨q n«vm K‡i


DÏxcKwU c‡o 19bs cÖ‡kœi DËi `vI : A cÖKí Zv‡ì 6 eQ‡ii Avq I SzuwK

wbY©q K‡i †`Lj †h, eëav‡bi e‡M©i †hvMdj 780|

19. A cÖK‡íi Av`k© wePz¨wZ KZ? K 27.92 L 12.48 M 11.48 N 10.92 20. g~jab ev‡RwUs-Gi e¨_©Zvi `vqfvi Kvi? K A_© eë¯’vcK L eë ’vcK M cwiPvjK N gvwjK 21. †K›`ªxq e¨vsK we‡kl ÿgZv I `vwq‡Z¡

wb‡qvwRZ i. gy`ªv cÖPj‡b ii. FY wbqš¿‡Y iii. FY AvgvbZ m„wó‡Z


DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : Rbve ïf e¨vsK KZ©„K GKwU cÖZ¨qcÎ

Bmy¨ K‡i †Kvwiqvi eëmvqx Kj¨v‡Yi wbKU †_‡K 20,00,000 UvKvi gvjvgvj Rvnv‡R K‡i Avg`vwb K‡i|

22. cÖZ¨qbKvix e¨vsK Kv‡K wbðqZv cÖ`vb Ki‡e? K Avg`vwbKviK‡K L eëmvqx Kj¨vY‡K M Rbve ïf‡K N Rvnv‡Ri gvwjK‡K 23. cÖZ¨qcÎ Bmy¨Kvix e¨vsK f‚wgKv ivL‡e

i. Avg`vwb I ißvwbKvi‡Ki g‡a¨ m¤úK© ’vc‡b ii. Af¨šÍixY evwY‡R¨ iii. ê‡`wkK evwY‡R¨


24. evwYwR¨K e¨vs‡Ki Znwe‡ji Drm n‡jv i. cwi‡kvwaZ Znwej ii. msiwÿZ Znwej iii. avi MÖnY


25. gybvdv AR©‡bi cvkvcvwk RbKj¨vY evwYwR¨K e¨vs‡Ki GKwU

K cÖZ¨ÿ D‡Ïk¨ L c‡ivÿ D‡Ïk¨ M we‡kl D‡Ïk¨ N Ab¨Zg D‡Ïk¨ 26. e¨vs‡Ki †gŠwjK D‡Ïk¨ †KvbwU? K g~jab MVb L gybvdv AR©b M Kg©ms ’vb N wewb‡qvM 27. KvVv‡gvi wfwË‡Z ÔGw·g e¨vsKÕ †Kvb

ai‡bi e¨vsK? K Bmjvgx L gy`vivev M †PBb N GKK [we.`ª. : mwVK DËi : kvLv e¨vsK] DÏxcKwU c‡o 28 I 29bs cÖ‡kœi DËi `vI : ÔcÖZ¨vkv e¨vsKÕ †K›`ªxq e¨vs‡Ki Aax‡b

bZzb GKwU e¨vsK| GwU RbM‡Yi Kv‡Q _vKv A_© AvgvbZ iv‡L I AwaK my‡` FY †`q| mybvg m„wói gva¨‡g ’vwqfv‡e e¨vsK eëmv‡q wb‡qvwRZ _vK‡Z Pvq|

28. cÖZ¨vkv e¨vsKwUi cÖavb D‡Ïk¨ Kx? K FY wbqš¿Y L g~jab MVb M gybvdv AR©b N m¤ú‡ì mylg eÈb 29. e¨vsKwUi mybvg e„w×‡Z KiYxq n‡jv

i. ¯^íe¨‡q AwaK gybvdv AR©b ii. †MvcbxqZv iÿv I AwaK gybvdv AR©b iii. DbœZ eë¯’vcbv I `ÿ cwiPvjbv


30. K…wl e¨vsK †Kvb ai‡bi Avw_©K cÖwZôvb? K †hŠ_gvwjKvbv L e¨w³gvwjKvbv M ¯vqËkvwmZ N we‡klvwqZ



Self test


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16 K 17 N 18 K 19 L 20 K 21 K 22 L 23 L 24 N 25 L 26 L 27 * 28 M 29 M 30 N


7 ewikvj †evW© 2021


Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. ch©vß RvgvbZ MÖnY Kiv e¨vswKs eëmv‡qi

†Kvb g~jbxwZi AšÍM©Z? K gybvdvi bxwZ L `ÿZvi bxwZ M mybv‡gi bxwZ N wbivcËvi bxwZ 2. Bmjvwg e¨vswKs eë ’vq wb‡Pi †KvbwUi gva¨‡g

jvf I †jvKmv‡bi mgeÈb nq? K gy`vivev L gymvivKv M gyivevnv N BRviv 3. 1990-Gi `k‡K †KvbwU N‡U? K AvaywbK A_©vq‡bi hvÎv ïiæ nq L Avw_©K wm×v‡šÍ Kw¤úDUv‡ii eënvi ïiæ nq M A_©vqb AvšÍR©vwZKZv jvf K‡i N AwR©Z Av‡qi wePvi-we‡kølY ïiæ nq 4. Av`k© wePz¨wZi †ÿ‡Î

i. mgvb Av‡q Kg SzuwK MÖnY‡hvM¨ ii. mgvb SzuwK‡Z AwaK jvf MÖnY‡hvM¨ iii. Av`k© wePz¨wZi eogvb MÖnY‡hvM¨


5. hw` my‡ì nvi 10% nq Z‡e 5 eQi c‡ii 1,00,000 UvKvi eZ©gvb g~j¨ KZ n‡e?

K 60,092 UvKv L 61,092 UvKv M 62,092 UvKv N 63,092 UvKv 6. bM` AvšÍtcÖevn cvIqv hvq K †gvU gybvdv †_‡K Ki ev` w`‡j L wbU gybvdv †_‡K Ki ev` w`‡j M †gvU gybvdvi mv‡_ AePq †hvM Ki‡j N wbU gybvdvi mv‡_ AePq †hvM Ki‡j 7. †`‡ki †hvMv‡hvM eë ’vi Dbœq‡b XvKv-MvRxcyi

†g‡Uªv‡ij ’vcb †Kvb ai‡bi A_©vqb? K AvšÍR©vwZK A_©vqb L Aeëmvqx A_©vqb M miKvwi A_©vqb N eëmvwqK A_©vqb 8. wb‡Pi †Kvb e¨vsK wkí I eëmvq cÖwZôvb‡K

ga¨ I `xN©‡gqvw` FY cÖ`vb K‡i? K wkí e¨vsK L wewbgq e¨vsK M wewb‡qvM e¨vsK N eÜwK e¨vsK 9. †Kvb c×wZ‡Z cÖwZeQi my`vm‡ji Ici my`

avh© Kiv nq? K mij my` c×wZ L evÆvKiY c×wZ M eZ©gvb g~j¨ c×wZ N Pµe„w×KiY c×wZ 10. bM` AvšÍtcÖevn I †gvU AeP‡qi cv_©K¨‡K Kx

e‡j? K †gvU weµq L †gvU gybvdv M wbU gybvdv N †gvU LiP

DÏxcKwU c‡o 11bs cÖ‡kœi DËi `vI : P, Q, R, S PviwU wewb‡qvM cÖKí| P cÖK‡íi

MZ wZb eQ‡ii Avq nvi h_vµ‡g 18%, 23% I 5%| Q, R I S cÖK‡íi Mo Avq h_vµ‡g 11%, 13% I 15%| mKj cÖK‡íi Av`k© wePz wZ 10.15%|

11. SzuwK we‡ePbvq DÏxc‡Ki †Kvb cÖKíwU AwaK MÖnY‡hvM¨?

K P L Q M R N S 12. gybvdvmsµvšÍ AwbðqZv n‡jv K eëmvwqK SzuwK L Avw_©K SzuwK M Zvij¨ SzuwK N my` nv‡ii SzuwK

13. wKw¯Í cwi‡kv‡ai mÿgZv we‡ePbv K‡i FY MÖnY Ki‡j i. cÖwZôv‡bi Avw_©K m”QjZv eRvq _v‡K ii. FY cwi‡kva mnR nq iii. AwaK gybvdv nq


DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : wg. iweb GKwU bZzb cÖK‡í wewb‡qv‡Mi Rb¨ ÔB

e¨vsKÕ n‡Z `k jÿ UvKv FY MÖn‡Yi Av‡e`b K‡ib| ÔB e¨vsKÕ cÖK‡íi jvfRbKZv hvPvB K‡i wg. iweb‡K cÖKíwU‡Z wewb‡qvM Ki‡Z wb‡la K‡ib| wg. iweb Px‡b AbywôZ evwYR¨ †gjvq AskMÖn‡Yi Rb¨ GK jÿ UvKvi GKwU Uªv‡fjvi †PK Ges me©v”P `yB jÿ UvKv e¨‡qi k‡Z© GKwU †µwWU KvW© B e¨vsK n‡Z MÖnY K‡ib|

14. evwYR¨ †gjvq AskMÖn‡Yi †ÿ‡Î wg. iwe‡bi c‡ÿ B e¨vsK †Kvb KvRwU m¤úv`b K‡i?

K †bvU Bmy¨ L wewbg‡qi gva¨g m„wó

M Kg©ms¯’vb N g~jab MVb 15. e¨vsK-MÖvn‡Ki †cÖÿvc‡U DÏxc‡K B e¨vs‡Ki

†hme D‡Ïk¨ AwR©Z n‡q‡Q Zv n‡jv i. Dc‡`óv I civgk©`vZv ii. A_© ¯’vbvšÍi iii. AvgvbZ MÖnY


16. wb‡Pi †KvbwUi Avq SzuwKhy³? K †gqvw` AvgvbZ L †UªRvwi wej M †UªRvwi eÛ N mvaviY †kqvi 17. evwYwR¨K e¨vs‡Ki Av‡qi Drm †KvbwU? K wbixÿ‡Ki wej L wej evÆvKiY M wegv wcÖwgqvg N ïé I Ki 18. evwYwR¨K e¨vs‡Ki Znwej msMÖ‡ni evwn¨K Drm

n‡jv i. cwi‡kvwaZ g~jab I AvgvbZ MÖnY ii. msiwÿZ Znwej I FY MÖnY iii. AvgvbZ MÖnY I FY MÖnY


19. wb‡Pi †KvbwU AvšÍR©vwZK evwY‡R¨ mnvqZv K‡i? K cÖZ¨qcÎ L †c-AW©vi M wewbgq wej N e¨vsK WªvdU& 20. wb‡Pi †Kvb Lv‡Z wewb‡qvM mn‡R bM`vqb Kiv

hvq? K wW‡eÂvi L eÛ M mvaviY †kqvi N evwYwR¨KcÎ

DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : gwbi Mv‡g©›Um †jwWm †Wªm Drcv`b I ißvwb

K‡i| wKš‘ jK WvD‡bi mgq D³ Mv‡g©›Um Ôe¨w³MZ myiÿv mvgMÖx gv¯‹Õ Drcv`b ïiæ K‡i| d‡j †µZv a‡i ivL‡Z mÿg nq| AwaK cwigv‡Y KuvPvgvj µ‡qi Rb¨ cÖwZôvbwU e¨vsK n‡Z 2,00,000 UvKv 4% my‡` Qq gvm ci cwi‡kv‡ai k‡Z© FY MÖnY K‡i|

21. gwbi Mv‡g©›Um Avw_©K eë ’vcbvi †ÿ‡Î †Kvb wm×všÍwU MÖnY K‡i?

K weµqg~j¨ e„w×i wm×všÍ L wewb‡qvM wm×všÍ M Avq wm×všÍ N eëmv m¤úÖmviY wm×všÍ 22. †µZv a‡i ivL‡Z gwbi Mv‡g©›Um Kvievwi A_©vq‡bi

†hme bxwZ AbymiY K‡i‡Q Zv n‡jv i. Kviev‡ii êwPÎ¨vqb ii. Zvij¨ ebvg gybvdv bxwZ iii. Dchy³Zvi bxwZ


23. Kviv †Kv¤úvwbi gvwjK wn‡m‡e we‡ewPZ nb? K wW‡eÂvi †nvìvi L †kqvi‡nvìvi M eÛ gvwjK N FY`vbKvix 24. evwYR¨ NvUwZ c~i‡Y wb‡Pi †KvbwU we‡kl

f‚wgKv cvjb K‡i? K A_©vqb L Avg`vwb M †iwg‡UÝ N Drcv`b 25. wbR¯^ g~ja‡b msMVb cwiPvjbv Ki‡j †Kvb

ai‡bi SzuwK m„wó nq? K Avw_©K SzuwK L my` nv‡ii SzuwK M Zvij¨ SzuwK N eëmvwqK SzuwK

DÏxcKwU c‡o 26bs cÖ‡kœi DËi `vI : P e¨vsK cÖwZ eQi wbU gybvdvi 65%

†kqvigvwjKM‡Yi g‡a¨ eÈb K‡i Ges evwK 35% fwel¨r g~ja‡bi Rb¨ Rgv K‡i|

26. DÏxc‡K P e¨vs‡Ki Znwe‡ji †Kvb DrmwU cÖKvk †c‡q‡Q?

K †gqvw` AvgvbZ L cwi‡kvwaZ g~jab M msiwÿZ Znwej N FY AvgvbZ 27. †Kvb c×wZ‡Z cÖZ¨vwkZ bM` cÖev‡ni cwie‡Z©

cÖZ¨vwkZ wbU gybvdv‡K we‡ePbv Kiv nq? K Mo gybvdvi nvi c×wZ L Af¨šÍixY gybvdvi nvi c×wZ M †c-e¨vK mgq c×wZ N wbU eZ©gvb g~j¨ c×wZ 28. †Kvb bxwZ Abymv‡i e¨vsK †`‡ki wewfbœ ’v‡b

GwUGg ey_ ’vcb K‡i? K †mevi bxwZ L Zvij¨ bxwZ M `ÿZvi bxwZ N wewb‡qvM bxwZ

DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI : wg. CkivK 8% gybvdvq 15 jÿ UvKv 10

eQ‡ii Rb¨ e¨vs‡K ivL‡Z Pvb| wKš‘ D³ A_© Øviv wZwb GKwU d¬¨vUI µq Ki‡Z cv‡ib| aviYv Kiv nq, d¬¨vUwUi g~j¨ `k eQi ci 30 jÿ UvKv n‡e|

29. wg. Ckiv‡Ki d¬¨vU µ‡qi wm×všÍ MÖnY mnvqK n‡e i. FV wbY©q ii. PV wbY©q iii. iæj 72 Gi cÖ‡qvM


30. wg. CkivK d¬¨vU Lwi` Ki‡j my‡hvM e¨q KZ n‡e? K 2,38,387 UvKv L 15,00,000 UvKv M 30,00,000 UvKv N 32,38,387 UvKv



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8 w`bvRcyi †evW© 2021



1. Av`k© wePz¨wZi †QvUgvb Kx wb‡`©k K‡i? K mgvb SzuwK L Amgvb SzuwK M Kg SzuwK N †ewk SzuwK 2. eëmvq cÖwZôv‡b SzuwKi Zvrch©c~Y© f‚wgKv

i‡q‡Q K cwiKíbv cÖYq‡b L cwiPvjbvi †ÿ‡Î M g~jab msMÖ‡n N wm×všÍ MÖn‡Y 3. Zvij¨ SzuwK †ewk nq

i. GKgvwjKvbv Kviev‡i ii. †hŠ_g~jawb Kviev‡i iii. Askx`vwi Kviev‡i


4. wewb‡qv‡Mi gva¨g wn‡m‡e e‡Ûi myweav n‡jv i. miKvi KZ©„K Bmy¨K…Z †UªRvwi wej ii. SzuwKgy³ Avq iii. wbw`©ó my‡ì nvi


5. g~jab ev‡RwUs KZ cÖKvi? K `yB cÖKvi L wZb cÖKvi M Pvi cÖKvi N cuvP cÖKvi 6. kZKiv 10% nv‡i eZ©gv‡bi 100 UvKvi

2 eQi c‡ii fwel¨r g~j¨ KZ n‡e? K 110 UvKv L 121 UvKv M 200 UvKv N 221 UvKv

DÏxcKwU c‡o 7bs cÖ‡kœi DËi `vI : Rbve iwk` GKRb wewb‡qvMKvix| Zvi

cÖK‡íi weMZ 5 eQ‡ii Av‡qi nvi h_vµ‡g 12%, 8%, 0%, 5%I 15%|

7. Rbve iwk‡ì Mo Av‡qi nvi KZ? K 3% L 4% M 5% N 6% 8. Rbve bq‡bi 5 eQi †gqvw` GKwU

cÖK‡íi Av‡qi eëav‡bi e‡M©i †hvMdj 730 n‡j cÖK‡íi Av`k© wePz¨wZ KZ?

K 10.5% L 11.5% M 12.5% N 13.5% 9. wbU gybvdvi mv‡_ AePq †hvM Ki‡j

†KvbwU cvIqv hvq? K bM` AvšÍtcÖevn L bM` ewntcÖevn M †gvU AePq N wbU AePq 10. g~jab ev‡RwUs-Gi c×wZmg~n ¸iæZ¡c~Y© K cÖKí wbe©vP‡b L cÖwZôv‡bi jÿ¨ wba©vi‡Y M wewb‡qv‡Mi jvfRbKZv wbY©‡q N cÖK‡íi gybvdvi nvi wbY©‡q 11. †K› ªxq e¨vs‡Ki AvBb Abyhvqx cvewjK

wjwg‡UW †Kv¤úvwbi gvwjKvbvq e¨vs‡Ki †ÿ‡Î cwiPvj‡Ki msL¨v me©wb¤œ KZRb n‡e?

K 2 Rb L 5 Rb M 6 Rb N 7 Rb

12. ÷¨vÛvW© PvU©vW© e¨vsK †Kvb ai‡bi e¨vsK? K †`wk e¨vsK L we‡`wk e¨vsK M ¯kvwmZ e¨vsK N we‡klvwqZ e¨vsK

DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : wewkó eëmvqx Avwgi mv‡ne KuvPvgvj

µ‡qi D‡Ï‡k¨ M e¨vsK n‡Z 2,00,000 UvKv FY wb‡Z PvB‡j e¨vsK Kg©KZ©v Zvi Avw_©K m”QjZv hvPvBc~e©K RvgvbZ wn‡m‡e Rwgi `wjj Rgv ivL‡jb|

13. e¨vsK eëmv‡qi †Kvb g~jbxwZi cÖwZ jÿ †i‡L M e¨vsK Rwgi `wjj RvgvbZ iv‡L?

K Zvij¨ bxwZ L `ÿZvi bxwZ M †mevi bxwZ N wbivcËvi bxwZ

14. M e¨vsK Avwgi mv‡ne‡K FY cÖ`v‡bi gva¨‡g i. gybvdv AR©b Ki‡e ii. Drcv`bgyLx Kv‡R mnvqZv Ki‡e iii. gy`ªvevRvi wbqš¿Y Ki‡e


15. evsjv‡`‡k BmjvwgK e¨vsK eë¯’vi cÖeZ©b nq KZ mv‡j?

K 1983 mv‡j L 1985 mv‡j M 1990 mv‡j N 1993 mv‡j 16. Kvh©wfwËK †kÖwYweb¨vm we‡ePbvq wewWweGj

n‡”Q K evwYwR¨K e¨vsK L wkí e¨vsK M wewb‡qvM e¨vsK N cwienb e¨vsK

17. Avw_©K cÖwZôvb wn‡m‡e evwYwR¨K e¨vsK i. g~jab MVb K‡i ii. gy`ªvevRvi wbqš¿Y K‡i iii. wewbgq gva¨g m„wó K‡i


18. PPP-Gi c~Y©iƒc †KvbwU? K Public Past Partnership L Public Present Partnership M Public Private Partnership N Public Profit Partnership 19. jKvi fvovi wewbg‡q e¨vsK Kx Av`vq K‡i? K my` L mvwf©m PvR© M ’vbvšÍi wd N gybvdv 20. evwYwR¨K e¨vsK RbM‡Yi gv‡S Kx‡mi

cÖeYZv m„wó K‡i? K wegvi L F‡Yi M mÂ‡qi N RbKj¨v‡Yi 21. A_©vqb g~jZ Kx wb‡q KvR K‡i? K g~jab MVb L gybvdv AR©b M Znwej eë ’vcbv N RvZxq Dbœqb

22. hy³ivóª‡K Kx‡mi PviYf‚wg ejv nq? K A_©bxwZi L eëmv‡qi M A_©vq‡bi N wecY‡bi 23. iæj 72 Kx? K wewb‡qvMK…Z A_© eû¸Y Kivi wnmve L wewb‡qvMK…Z A_© A‡a©K Kivi wnmve M wewb‡qvMK…Z A‡_©i mgvb Kivi wnmve N wewb‡qvMK…Z A_© wØ¸‡Yi wnmve 24. GKRb Pv wewµZv Zvi ˆ`wbK DcvR©‡bi

cy‡ivUvB e¨vs‡K Rgv ivL‡j †Kvb bxwZi j•Nb nq?

K Zvij¨ ebvg gybvdv bxwZ L Dchy³Zvi bxwZ M êwPÎ¨vqb I SzuwK eÈb bxwZ N wbivcËvi bxwZ 25. Kvievwi A_©vqb eë ’vcbv n‡jv

i. ch©vß cwigvY A_© †hvMvb ii. K‡qK gv‡mi Rb¨ g~jab LvUv‡bv iii. A_© eÈbmsµvšÍ wm×všÍ


26. Pµe„w×KiY cÖwµqv n‡jv i. A‡_©i fwel¨r g~j¨ wba©viY ii. my`vm‡ji Ici my` avh©KiY iii. A‡_©i eZ©gvb g~j¨ wba©viY


DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI : M †Kv¤úvwbi cÖavb wbe©vnx wg‡mm wgbv

GKwU bZzb cÖK‡í wewb‡qv‡Mi jvfRbKZv wbY©‡qi c~‡e© cici 4 eQ‡ii gybvdvi mv‡_ AePq †hvM bv K‡iB †gvU gybvdv‡K 4 Øviv fvM K‡ib wKš‘ †gvU wewb‡qvM‡K 2 Øviv fvM K‡ib|

27. wg‡mm wgbvi Abym„Z c×wZ †KvbwU? K Mo gybvdv nvi L †c-e¨vK mgq M wbU eZ©gvb g~j¨ N Af¨šÍixY gybvdvi nvi 28. DÏxc‡K wb‡ ©wkZ c×wZwUi mxgve×Zv n‡jv

i. A‡_©i mgqg~j¨ D‡cwÿZ ii. mKj bM` cÖev‡ni g~j¨ mgvb iii. gybvdv I wewb‡qvM‡K wfbœ msL¨v Øviv fvM


29. A‡_©i mgqg~j¨ wba©vi‡Yi g~j KviY †KvbwU? K A‡_©i Zvij¨ L gy`ªvbxwZ M my‡ì nvi N ewa©Z gybvdv 30. AwbðqZvi †h AskUzKz cwigvc Kiv hvq

Zv‡K Kx e‡j? K jvf L ÿwZ M AwbðqZv N SzuwK



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9 gqgbwmsn †evW© 2021


Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] DÏxcKwU c‡o 1 I 2bs cÖ‡kœi DËi `vI : Rbve †Rvnvb wKw¯Í‡Z cwi‡kv‡ai wfwË‡Z 3

eQi †gqvw` evwl©K 5% Pµe„w× my‡` Rbve KvqQvi‡K 1,00,000 UvKv cÖ`vb K‡ib|

1. wZb eQi ci Rbve KvqQv‡ii 1,00,000 UvKvi fwel¨r g~j¨ KZ?

K 1,25,628 UvKv L 1,27,628 UvKv M 1,29,628 UvKv N 1,32,628 UvKv [we.`ª. : mwVK DËi : 1,15,762.50 UvKv] 2. Rbve KvqQv‡ii FY MÖn‡Yi c~‡e© we‡eP¨

i. A‡_©i mgqg~j¨ wbY©q K‡i wKw¯Íi cwigvY Rvbv ii. †Kvb †gqv‡` Kxfv‡e wKw¯Í cwi‡kva †hŠw³K iii. h_vh_ cwiKíbv cÖYqb Kiv

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 3. †KvbwU SzuwKgy³ Avq? K †gqvw` Avgvb‡Zi my` L †kqvi Gi jf¨vsk M wW‡eÂv‡ii my` N weµqjä gybvdv 4. cÖKí g~j¨vq‡bi GKwU mnR I RbwcÖq

c×wZ wb‡Pi †KvbwU? K Mo gybvdvi nvi c×wZ L †c-e¨vK mgq c×wZ M wbU eZ©gvb g~j¨ c×wZ N Af¨šÍixY gybvdvi nvi c×wZ 5. evwYwR¨K e¨vsK wb‡Pi †KvbwUi gva¨‡g

RxebhvÎvi gvb Dbœqb K‡i? K wk‡íi Dbœqb NwU‡q L Kg©ms ’v‡bi eë ’v K‡i M m¤ú‡ì mymg eÈb K‡i N Dbœqb cwiKíbv ev¯Íevq‡bi gva¨‡g 6. mewR we‡µZv †jvKgvb Zvi ˆ`wbK

DcvR©‡bi cy‡ivUvB e¨vs‡K Rgv ivL‡j A_©vq‡bi †Kvb bxwZi j•Nb nq?

K Zvij¨ ebvg gybvdv bxwZ L Dchy³Zvi bxwZ M cY¨ êwPÎ¨vqb I SzuwK eÈb N wbivcËvi bxwZ 7. gy`ªvevRvi wbqš¿‡Y †K›`ªxq e¨vsK‡K †K

mvnvh¨ K‡i? K evwYwR¨K e¨vsK L GKK e¨vsK M eÜwK e¨vsK N †PBb e¨vsK 8. wgRvb mv‡ne eëmvwqK Kvi‡Y Rvcv‡bi wg.

BRwgi wbKU †_‡K hš¿cvwZ msMÖn K‡ib| G e¨vcv‡i 'N' e¨vsK wg. BRwg‡K A_© cÖ`v‡bi wbðqZv †`b| hš¿cvwZ µ‡q wgRvb mv‡ne‡K 'N' e¨vsK Kxfv‡e mnvqZv K‡i?

K cÖZ¨qcÎ Bmy¨ K‡i L e¨vsK WªvdU Bmy¨ K‡i M wewbgq wej fvwO‡q N FY cÖ`vb K‡i 9. Av`k© wePz¨wZi eo gvb Kx wb‡`©k K‡i? K AwaK gybvdv L AwaK SzuwK M Kg weµq N Kg SzuwK 10. `xN©‡gqvw` cÖKí g~j¨vq‡bi †ÿ‡Î †KvbwU

¸iæZ¡c~Y©? K A‡_©i mgqg~j¨ L g~jab e¨q M my‡hvM e¨q N eZ©gvb g~j¨ wba©viY

11. cwienb Li‡Pi cwigvY †ewk n‡j †Kvb ai‡bi SzuwKi m„wó nq?

K Avw_©K SzuwK L eëmvwqK SzuwK M my` nv‡ii SzuwK N Zvij¨ SzuwK DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : Rbve dvwng Q I R bv‡g `ywU e¨vs‡Ki

gva¨‡g †jb‡`b K‡ib| Q e¨vsK mKj †Rjv Dc‡Rjvq Kvh©µg Pvjv‡jI R e¨vsK †Kej †kicyi GjvKvq Kvh©µg cwiPvjbv K‡i|

12. DÏxc‡K DwjøwLZ 'Q' e¨vsK †Kvb ai‡bi e¨vsK?

K kvLv e¨vsK L GKK e¨vsK M MÖæc e¨vsK N †PBb e¨vsK 13. 'R' e¨vs‡Ki †ÿ‡Î wb‡Pi †KvbwU cÖ‡hvR¨? K cÖavb Kvh©vj‡qi Aax‡b cwiPvwjZ L evsjv‡`‡k Gi cÖPjb †bB M Gi †Kv‡bv Avjv`v mËv †bB N gyL¨ D‡Ïk¨ cvi¯úwiK DbœwZ mvab 14. GKwU cøvw÷K KviLvbvi Rb¨ †gwkb µq

A_©vq‡bi †Kvb ai‡bi wm×všÍ? K Avq wm×všÍ L wewb‡qvM wm×všÍ M eë ’vcbv wm×všÍ N PjwZ e¨q wm×všÍ 15. wbU gybvdvi mv‡_ †KvbwU †hvM Ki‡j bM`

AvšÍtcÖevn cvIqv hvq? K Ki L fMœve‡kl g~j¨ M PjwZ e¨q N AePq 16. †Kvb ai‡bi A_©vq‡bi †ÿ‡Î cÖ_‡g e¨‡qi

cwigvY wba©viY Kiv nq? K cvwievwiK A_©vqb L miKvwi A_©vqb M AvšÍR©vwZK A_©vqb N Aeëmvqx cÖwZôv‡bi A_©vqb 17. Kvievwi cÖwZôvb¸‡jvi g‡a¨ Kvi A_©vqb

cÖwµqv wfbœ? K GKgvwjKvbv Kvievi L Askx`vwi Kvievi M †hŠ_g~jawb Kvievi N mgevq cÖwZôvb 18. mywPwšÍZ I my`ÿ A_©vqb eë ’vcbv‡K

AwaK A_©en K‡i †Zv‡j i. wbqwgZ g~jab msMÖ‡ni wbðqZv ii. mymsMwVZ e¨vsK eë¯’v iii. jvfRbK wewb‡qvM cÖKí wba©viY


19. cÖwZwU wewb‡qv‡Mi mv‡_ RwoZ _v‡K †KvbwU? K †gvU e¨q L gyL¨ e¨q M my‡hvM e¨q N Drcv`b e¨q 20. Rbve bvwej ivRkvnx‡Z GKwU ißvwbgyLx

Mv‡g©›Um cÖwZôvi D‡`¨vM wb‡q‡Qb| g~jab ev‡RwUs‡qi gva¨‡g wZwb †Kvb wm×všÍwU wb‡eb?

K †cvkv‡Ki g~j¨ wba©viY L KviLvbvi Rb¨ ¯’vb wbe©vPb M ê`y¨wZK †mjvB †gwkb µq N kÖwg‡Ki gRywi wba©viY

21. †h cÖwZôv‡bi F‡Yi gva¨‡g msM„nxZ Znwej †ewk, †mB cÖwZôv‡bi †KvbwU †ewk?

K Avw_©K SzuwK L eëmvwqK SzuwK M my` nv‡ii SzuwK N Zvij¨ SzuwK 22. Bmjvgx e¨vsK¸‡jv †Kvb †mevi gva¨‡g

hš¿cvwZ µ‡qi Rb¨ FYMÖnxZv‡K FY cÖ`vb K‡i?

K gy`vivev L gyivevnv M evB mvjvg N evB gyqv¾vj 23. e¨vsK Kxfv‡e AvšÍR©vwZK evwY‡Rï cÖmvi NUvq? K gy`ªvùxwZ †iva K‡i L wk‡ívbœq‡b mnvqZv K‡i M e¨vsK AvgvbZ e„w× K‡i N Avg`vwb-ißvwb evwY‡R¨ mnvqZv K‡i 24. jKvi fvovi wecix‡Z evwYwR¨K e¨vsK Kx

Av`vq K‡i? K my` L gybvdv M mvwf©m PvR© N Kwgkb 25. †Kvb ai‡bi Pµe„w×‡Z fwel¨r g~j¨

m‡e©v”P n‡e? K evrmwiK L lvš§vwmK M ˆÎgvwmK N gvwmK

DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI : ivRy mv‡ne Rwg wewµ K‡i e¨vM I RyZvi

eëmv ïiæ K‡iwQ‡jb| m¤úÖwZ wZwb nR †gŠmy‡g nvRx‡ì Rb¨ cÖ‡qvRbxq mvgMÖx ivLvi D‡`¨vM †bb, G‡ÿ‡Î †`vKv‡bi AvqZb evov‡bvi cÖ‡qvR‡b GKwU e¨vsK †_‡K FY MÖnY K‡ib|

26. DÏxc‡K †Kvb ai‡bi A_©vq‡bi D‡jøL Av‡Q? K cvwievwiK A_©vqb L miKvwi A_©vqb M eëmvq A_©vqb N AvšÍR©vwZK A_©vqb 27. ivRy mv‡ne AbymiY K‡i‡Qb

i. Dchy³Zvi bxwZ ii. Zvij¨ ebvg gybvdvi bxwZ iii. cY¨ êwPÎ¨vqb I SzuwK eÈb bxwZ


28. †KvbwUi Rb¨ ’vqx g~jab cÖ‡qvRb nq? K Kg©Pvix‡ì †eZb cÖ`vb L KuvPvgvj µq M cwienb LiP N †gwkb µq 29. Avg`vwb-ißvwbmsµvšÍ Kvh© m¤úv`b evwYwR¨K

e¨vs‡Ki †Kvb ai‡bi Kv‡Ri AšÍf©y³? K Drcv`bg~jK L †mevg~jK M cÖwZwbwaZ¡g~jK N iÿYv‡eÿYg~jK 30. e¨vsK g‡°‡ji Av ’v AR©‡bi Rb¨ Kx K‡i? K mybvg evovq L cÖPvi evovq M †MvcbxqZv iÿv K‡i N †ewk FY cÖ`vb K‡i



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10 XvKv †evW© 2020


Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. †Kvb c×wZ‡Z cÖZ¨vwkZ bM` cÖev‡ni cwie‡Z©

wbU gybvdv‡K we‡ePbv Kiv nq? K †c-e¨vK mgq L Mo gybvdvi nvi M wbU eZ©gvb g~j¨ N Af¨šÍixY gybvdvi nvi 2. †KvbwUi gva¨‡g e¨vsK ê‡`wkK evwY‡R¨

ißvwbKviK‡K A_© cÖ`v‡bi eë¯’v K‡i? K e¨vsK WªvdU L †PK M cÖZ¨qcÎ N wewbgq wej 3. QvcvLvbvi gvwjK wg. mygb g~jab ev‡RwUs Gi

mvnv‡h¨ †Kvb wm×všÍwU MÖnY Ki‡eb? K Qvcv‡bvi hš¿ µq L KvMR µq M KvM‡Ri gvb hvPvB N i‡Oi g~j¨ wba©viY 4. eëmv‡q PjwZ LiP cwiPvjbvi AÿgZv †_‡K

†Kvb ai‡bi SzuwK m„wó nq? K Avw_©K SzuwK L Zvij¨ SzuwK M eëmvwqK SzuwK N my` nv‡ii SzuwK

DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : wg‡mm iƒcv 'P' I 'Q' bv‡g `ywU cÖK‡í wewb‡qvM

K‡i‡Qb| cÖKí 'P' †_‡K wZwb MZ wZb eQ‡i 8% nv‡i gybvdv †c‡q‡Qb| cÖKí 'Q' †_‡K MZ wZb eQ‡i h_vµ‡g 8%, 6% I 10% nv‡i gybvdv †c‡q‡Qb| eZ©gv‡b wZwb GKwU cÖKí eÜ K‡i w`‡Z Pvb|

5. wg‡mm iƒcvi cÖKí 'Q' Gi Mo gybvdv K 6% L 8% M 10% N 12% 6. DÏxcK Abyhvqx

i. cÖKí 'P' SzuwKc~Y© ii. cÖKí 'Q' Gi Av`k© wePz¨wZ 2% iii. wg‡mm iƒcvi 'Q' cÖKíwU eÜ Kiv DwPZ



7. †KvbwU SzuwKgy³ Avq? K †UªRvwi wej L wW‡eÂvi M mvaviY †kqvi N AMÖvwaKvi †kqvi 8. mewR we‡µZv iwng ïay †cu‡c wewµ Kiv‡Z

†Zgb jvfRbK bv nIqvq A_©vq‡bi †Kvb bxwZi j•Nb n‡q‡Q?

K Zvij¨ ebvg gybvdv bxwZ L †mevi bxwZ M Kviev‡i êwPÎ¨vqb I SzuwK eÈb N Dchy³Zvi bxwZ 9. g~jab KvVv‡gv cwieZ©‡b we‡ePbv Ki‡Z nq

i. Ki-c~e© g~jab e¨q ii. Mo g~jab e¨q iii. Znwe‡ji my‡hvM e¨q



10. †nvwìs †Kv¤úvwbi Aax‡b †Kvb ai‡bi e¨vswKs Kvh©vewj cwiPvwjZ nq?

K kvLv e¨vswKs L wkí e¨vswKs M MÖæc e¨vswKs N †PBb e¨vswKs 11. me‡P‡q SzuwKc~Y© wewb‡qvM †ÿÎ †KvbwU? K eÛ L wW‡eÂvi M AMÖvwaKvi †kqvi N mvaviY †kqvi

12. evwYR¨ NvUwZ †`Lv hvq †Kvb ai‡bi A_©vq‡b? K AvšÍR©vwZK L eëmvq M cvwievwiK N miKvwi

DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : wg. mygb Zvi GKRb MÖvnK †_‡K GKwU †PK

†c‡q Zvi g¨v‡bRvi‡K w`‡q e¨vs‡K Dc ’vcb K‡ib| wKš‘ e¨vsK D³ †P‡Ki UvKv cÖ`vb Ki‡Z AcviMZv cÖKvk K‡ib| ZvQvov g¨v‡bRvi wg. myg‡bi e¨vsK wnmv‡ei DØ„Ë Rvb‡Z PvB‡j e¨vsK A¯^xK…wZ Rvbvb|

13. e¨vsK KZ©„K wg. myg‡bi e¨vsK DØ„Ë Rvbv‡Z A¯^xK…wZi d‡j e¨vswKs eëmvi †Kvb bxwZ Abym„Z n‡q‡Q?

K wbivcËvi bxwZ L mveavbZvi bxwZ M †MvcbxqZvi bxwZ N mybv‡gi bxwZ 14. DÏxc‡Ki wg. myg‡bi †PKwU

i. evnK †PK ii. ûKzg †PK iii. `vMKvUv †PK

wb‡Pi †KvbwU mwVK? K i L ii M iii N ii I iii

15. evwYwR¨K e¨vs‡Ki Znwe‡ji evwn¨K Drm †KvbwU? K †kqvi L wW‡eÂvi M Askx`vi‡ì g~jab N AewÈZ gybvdv 16. my‡ì nvi 12% Ges Ki nvi 20% n‡j, 10 jÿ

UvKvi Ki mgš^qK…Z FY g~jab e¨q KZ n‡e? K 20.12% L 12.20% M 9.6% N 6.9% 17. wgm wRwbqv 5,000 UvKv w`‡q GKwU Rvgv

wKb‡jb| G‡Z gy`ªv KvR K‡i‡Q i. wewbg‡qi gva¨g wn‡m‡e ii. g~‡jï cwigvcK wn‡m‡e iii. mÂ‡qi fvÐvi wn‡m‡e



18. evwYwR¨K e¨vsK †KvbwUi gva¨‡g gy ªv cÖPj‡b mnvqZv K‡i?

K †PK Bmy¨ K‡i L FY AvgvbZ m„wó K‡i M miKvwi †KvlvMvi wnmv‡e KvR K‡i N A‡_©i wbivcËv `vb K‡i 19. †gvU gybvdv †_‡K Ki ev` w`‡j Kx cvIqv hvq? K AePq L wbU gybvdv M Ki‡hvM¨ gybvdv N bM` AšÍtcÖevn 20. †Kvb e¨vsKwU weivóªxqKiY Kiv n‡q‡Q? K RbZv e¨vsK L †mvbvjx e¨vsK M iƒcvjx e¨vsK N c~evjx e¨vsK

DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : Rbve Kv‡mg Zvi mwÂZ 2,00,000 UvKv

10% gybvdvq 6 eQ‡ii Rb¨ cÖvBg e¨vs‡K Rgv ivL‡jb| Zvi gvgv civgk© w`‡qwQj H UvKvq Rwg wKb‡j 6 eQ‡i Zvi wewb‡qvMK…Z UvKv wØ¸Y n‡Zv|

21. Rbve Kv‡mg cÖvBg e¨vsK †_‡K 2 eQi ci KZ UvKv cv‡eb?

K 2,72,000 UvKv L 2,62,000 UvKv M 2,52,000 UvKv N 2,42,000 UvKv 22. DÏxcK Abyhvqx Rbve Kv‡m‡gi my‡hvM e¨q KZ? K 14% L 12% M 10% N 2% 23. wewb‡qvMKvixi `„wó‡KvY †_‡K KLb my‡hvM e¨q

m„wó nq? K SzuwK eÈb bv Ki‡j L gvwjKvbv n¯ÍvšÍi bv Ki‡j M `vwqZ¡ ewÈZ bv n‡j N jf¨vsk cÖ`vb bv Ki‡j 24. †KvbwU we‡klvwqZ Avw_©K cÖwZôvb? K evsjv‡`k e¨vsK L AMÖYx e¨vsK M K…wl e¨vsK N RbZv e¨vsK 25. eëmv‡qi cY¨ êwPÎ¨vqb Ki‡j K weµq e„w× n‡e L c‡Yï gvb evo‡e M e¨vsK FY †ewk cv‡e N mybvg e„w× cv‡e 26. †Kv¤úvwbi †kqvigvwjK‡ì cÖZ¨vwkZ jf¨vs‡ki

Dci wbf©i K‡i i. mvaviY †kqvi e¨q ii. FY g~jab e¨q iii. AMÖvwaKvi †kqvi e¨q



27. ÒMÖvnK‡ì †cÖÿvc‡UÓ e¨vs‡Ki D‡Ïk¨ K †`k-we‡`‡k A_© ’vbvšÍi L †eKvi mgm¨v `~ixKiY M gy`ªv cÖPj‡b mnvqZv N Kvw•ÿZ nv‡i gybvdv AR©b 28. †Kvb cwiw ’wZ‡Z e¨vsK wb‡RB MÖvn‡Ki mv‡_

m¤ú‡K©i Aemvb NUv‡Z cv‡i? K cÖZviYvi AvkÖq wb‡j L wnmv‡ei AvswkK †Ri ’vbvšÍi Ki‡j M Mviwbwk AW©vi Rvwi Ki‡j N fzj †evSveywSi Kvi‡Y

DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI : Rvgvj mv‡n‡ei GKwU wd«R †Kbvi cÖ‡qvRb

n‡j Zvi Kv‡Q cÖ‡qvRbxq A_© bv _vKvq wZwb B‡jKUªwbK e¨vswKs Gi we‡kl †mevi gva¨‡g D³ wd«R µq K‡ib| cieZx©‡Z wZwb my`mn D³ A_© e¨vs‡K cwi‡kva K‡ib|

29. Rvgvj mv‡ne e¨vs‡Ki †Kvb †mevwU MÖnY K‡i‡Qb? K GmwW KvW© L BDwUwjwU KvW© M †µwWU KvW© N †WweU KvW© 30. Rvgvj mv‡n‡ei B‡jKUªwbK e¨vswKs †mev

MÖn‡Yi d‡j i. e¨w³MZ `vq m„wó n‡q‡Q ii. e¨w³MZ m¤ú` m„wó n‡q‡Q iii. A_© cwi‡kv‡a e¨vs‡K wnmve _vKv Avek¨K





Self test


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1 L 2 M 3 K 4 M 5 L 6 M 7 K 8 M 9 M 10 M 11 N 12 K 13 M 14 L 15 L

16 M 17 K 18 K 19 L 20 N 21 N 22 L 23 N 24 M 25 K 26 L 27 K 28 K 29 M 30 K




Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. mKj eëmvq cÖwZôvb mvaviYZ †Kvb wnmv‡ei

gva¨‡g cvIbv Av`vq I †`bv cwi‡kva K‡i? K PjwZ wnmve L mÂqx wnmve M ¯’vqx wnmve N wegv mÂqx wnmve 2. wiRvf© e¨vsK Ae BwÛqv KLb cÖwZwôZ nq? K 1700 wLª. L 1935 wLª. M 1948 wLª. N 1972 wLª. 3. e¨vsK wnmv‡e UvKv Rgv bv _vK‡jI Kx‡mi

gva¨‡g gvjvgvj µq Kiv hvq? K †WweU KvW© L †µwWU KvW© M †PK N †c-AW©vi 4. eë ’vcbv KZ…©cÿ gvcKvwV wn‡m‡e eën„Z †c-

e¨vK mgq wba©vi‡Yi †ÿ‡Î we‡ePbv K‡ib K AvaywbK Drcv`b c×wZ L gybvdvi nvi M g~jab LiP N A‡_©i mgqg~j¨

DÏxcKwU c‡o 5bs cÖ‡kœi DËi `vI : wg. Avbv‡mi grm¨ cÖKí †_‡K MZ 3 eQ‡ii

Av‡qi nvi h_vµ‡g 20%, 12% Ges 8%| 5. wg. Avbv‡mi Mo Av‡qi cwigvY KZ? K 4% L 5% M 6% N 8% 6. †Kvb e¨vsK GKwU †`‡ki AvÂwjK Dbœq‡b

Ae`vb ivL‡Z cv‡i? K †fv³v e¨vsK L kÖwgK e¨vsK M kvLv e¨vsK N GKK e¨vsK

DÏxcKwU c‡o 7 I 8bs cÖ‡kœi DËi `vI : wg. Acy GKRb ¯^í Av‡qi e¨w³| AiæYv e¨vsK

wjwg‡UW G Zvi GKwU wnmve i‡q‡Q| wZwb GB wnmv‡ei gva¨‡g cÖ‡qvRbg‡Zv †jb‡`b K‡i _v‡Kb| Zvi msmv‡ii LiP wgUv‡bvi ci wnmv‡e 1 jÿ UvKv Rgv n‡q‡Q| GB UvKv n‡Z 80 nvRvi UvKv w`‡q AiæYv e¨vs‡K Av‡iKwU wnmve Ly‡j 5 erm‡ii Rb¨ Rgv iv‡Lb| 2 eQi ci Zvi A‡_©i cÖ‡qvRb nIqvq cieZx© wnmv‡ei wecix‡Z 60 nvRvi UvKv FY MÖnY K‡ib|

7. wg. Acy cieZx©‡Z †Kvb cÖKv‡ii wnmve †Lv‡jb? K PjwZ wnmve L wegv mÂqx wnmve M ¯’vqx wnmve N wW‡cvwRU †cbkb w¯‹g wnmve 8. Acyi †ÿ‡Î e¨vsK Avgvb‡Zi D‡Ïk¨ n‡jv

i. A‡_©i wbivcËv wbwðZ Kiv ii. A_© ¯’vbvšÍi Kiv iii. mn‡R FY cvIqv



9. `xN©‡gqvw` cÖKí g~j¨vq‡b Kx Ki‡Z nq? K fwel¨r e¨‡qi mv‡_ eZ©gvb Av‡qi Zzjbv L mg‡qi mv‡_ Av‡qi Zzjbv M eZ©gvb e¨‡qi mv‡_ fwel¨r Av‡qi Zzjbv N eZ©gvb Av‡qi mv‡_ A_©‰bwZK Ae¯’vi Zzjbv 10. evwYwR¨K e¨vs‡Ki Znwe‡ji cÖv_wgK I cÖavb

Drm †KvbwU? K cwi‡kvwaZ g~jab L msiwÿZ Znwej M AvgvbZ N FY MÖnY

11. wewb‡qvMKvix‡ì cÖZ¨vwkZ Avq‡K eëmvq cÖwZôv‡bi Kx wn‡m‡e MY¨ Kiv nq?

K my‡hvM e¨q L g~jab e¨q M wewb‡qv‡Mi nvi N gybvdvi nvi 12. †iwm‡W›U d‡ib Kv‡iwÝ wW‡cvwRU wnmve hv‡ì

Rb¨ Dchy³ Zviv n‡jb i. ê‡`wkK gy ªvq †eZbcÖvß e¨w³eM© ii. ê‡`wkK evwY‡R¨ wb‡qvwRZ e¨w³eM© iii. we‡`wk ch©UKe„›`



13. cvewjK wj. †Kv¤úvwb g~jab msMÖ‡ni Rb¨ eënvi Ki‡Z cv‡i i. mvaviY †kqvi ii. †evbvm †kqvi iii. ivBU †kqvi

wb‡Pi †KvbwU mwVK? K i L i I ii


DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : iwb †UªWv‡m©i AMÖvwaKvi †kqv‡ii cwigvY 200

†KvwU UvKv I FY g~jab 100 †KvwU UvKv| FY g~ja‡bi my‡ì nvi 10% I AMÖvwaKvi †kqv‡ii jf¨vsk 12%| AMÖvwaKvi †kqv‡ii evRvi g~j¨ 250 UvKv Ges wjwLZ g~j¨ 200 UvKv|

14. iwb †UªWv‡m©i AMÖvwaKvi †kqv‡ii g~jab e¨q KZ? K 10.8% L 9.6% M 5.4% N 4.8% 15. iwb †UªWv‡m©i Ki nvi 40% n‡j Ki mgš^qK…Z

FYg~jab e¨q KZ n‡e? K 4% L 5% M 6% N 7% 16. Kxfv‡e PjwZ g~jab eë ’vcbv Kiv DwPZ? K cY¨ gRy` K‡i L weµqjä A_© w`‡q M †ewk wewb‡qvM K‡i N e¨vsK F‡Yi A_© w`‡q 17. ÒcÖvc‡Ki wnmv‡e †`qÓ K_vwU †Kvb ai‡bi

†P‡K †jLv _v‡K? K evnK †PK L ûKzg †PK M `vMKvUv †PK N ågYKvixi †PK 18. wb‡Pi †KvbwU SzuwKhy³ Avq? K †gqvw` Avgvb‡Zi my` L †UªRvwi e‡Ûi my` M mvaviY †kqv‡ii jf¨vsk N AMÖvwaKvi †kqv‡ii jf¨vsk 19. eëmv‡qi ¸`vgRvZK…Z c‡Yï wecix‡Z †Kvb

ai‡bi Znwej msMÖn Kiv hvq? K ¯^í‡gqvw` AcÖvwZôvwbK L `xN©‡gqvw` M ¯^í‡gqvw` cÖvwZôvwbK N gvwjKvbvwfwËK

DÏxcKwU c‡o 20bs cÖ‡kœi DËi `vI : Rbve ingZ GKRb eëmvqx| wZwb Pxb †_‡K

†Ljbv mvgMÖx µ‡qi Rb¨ M e¨vs‡Ki mnvqZv MÖnY K‡ib|

20. M e¨vsK Rbve ing‡Zi c‡ÿ †KvbwU Bmy¨ Ki‡e? K †WweU KvW© L †µwWU KvW© M evwYwR¨K cÎ N cÖZ¨q cÎ

21. †Kvb ai‡bi †P‡K cÖvc‡Ki bvg D‡jøL _v‡K? K evnK †PK L ûKzg †PK M cÖvc‡Ki †PK N `vMKvUv †PK

DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : K e¨vsK I L e¨vsK `ywU Avw_©K cÖwZôvb| L e¨vsK

mybv‡gi mv‡_ eëmvq K‡i Avm‡Q| K e¨vsK M„nxZ AvgvbZ wewfbœ e¨w³ I cÖwZôvb‡K FY wn‡m‡e w`‡q _v‡K| wKš‘ mgqg‡Zv my`mn F‡Yi UvKv Av`vq Ki‡Z e¨_© nq| d‡j K e¨vsK µgvMZ †jvKmvb ¸‡Y hvw”Qj| GgZve¯’vq L e¨vsK K e¨vs‡Ki wZb-PZz_©vsk †kqvi µq K‡i K e¨vs‡Ki wbqš¿Y †bq|

22. L e¨vsK Kx ai‡bi e¨vsK wn‡m‡e AvZ¥cÖKvk K‡i? K kvLv e¨vsK L †PBb e¨vsK M †nvwìs e¨vsK N Aaxb¯’ e¨vsK 23. K e¨vs‡Ki †ÿ‡Î e¨vswKs eëmvq †h bxwZ

jw•NZ n‡q‡Q, Zv n‡jv K Zvij¨ bxwZ L gybvdvi bxwZ M wewb‡qvM bxwZ N wbivcËvi bxwZ 24. †Kvb kZvãx‡Z wdb¨vÝ Avw_©K weeiYxi wePvi-

we‡køl‡Yi Kv‡R wb‡qvwRZ wQj? K cÂ`k L lô`k M mß`k N Aóv`k 25. †Kvb wel‡qi †ÿ‡Î eÛ I wW‡eÂv‡ii g‡a¨

cv_©K¨ cwijwÿZ nq? K †gqv` L gybvdv M RvgvbZ N wbqš¿Y 26. Ò†K› ªxq e¨vsK n‡”Q e¨vswKs mgv‡Ri †bZv,

ivRv I m~h© mewKQyÓ Dw³wU †K K‡i‡Qb? K Aa¨vcK †mqvm© L Aa¨vcK GjwKb M Aa¨vcK wKmP N W. Gm. Gb. †mb 27. miKvi I ivóªxq c‡ÿi †cÖÿvc‡U e¨vs‡Ki

D‡Ïk¨ †KvbwU? K Drcv`bkxj Lv‡Z Znwej wewb‡qvM Kiv L RbmvaviY‡K mÂ‡q AvMÖnx K‡i †Zvjv M RbM‡Yi mwÂZ A‡_©i wbivcËv †Ìqv N ê‡`wkK evwY‡R¨ mn‡hvwMZv Kiv

DÏxcKwU c‡o 28bs cÖ‡kœi DËi `vI : Rbve dviæK GKwU †Kv¤úvwb‡Z 2 jÿ UvKv

wewb‡qvM K‡i †Kv¤úvwbi AvswkK gvwjKvbv †c‡q‡Qb| d‡j †Kv¤úvwb wbqš¿‡Yi †ÿ‡Î wZwb †Kv‡bv f‚wgKv ivL‡Z cv‡ib bv|

28. Rbve dviæK †Kvb wewb‡qvM nvwZqv‡i wewb‡qvM K‡i‡Qb?

K AMÖvwaKvi †kqvi L mvaviY †kqvi M wW‡eÂvi N eÛ 29. fwel¨r g~j¨‡K eZ©gvb g~‡j¨ iƒcvšÍ‡ii †ÿ‡Î

m Gi gvb hZ †ewk n‡e, eZ©gvb g~j¨ ZZ K †ewk n‡e L Kg n‡e M mgvb n‡e N wØ¸Y n‡e 30. †K›`ªxq e¨vsK evwYwR¨K e¨vsKmg~‡ni FY wbqš¿Y

Ki‡Z †h c×wZ AbymiY K‡i Zv n‡jv i. e¨vsK nvi bxwZ ii. †Lvjv evRvi bxwZ iii. Rgvi nvi cwieZ©b





Self test


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1 K 2 L 3 L 4 K 5 N 6 M 7 M 8 L 9 M 10 K 11 L 12 K 13 M 14 L 15 M

16 L 17 M 18 M 19 K 20 N 21 L 22 M 23 N 24 N 25 M 26 N 27 K 28 K 29 L 30 N


12 h‡kvi †evW© 2020

welq †KvW : 1 5 2 mgq30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb30 [we‡kl `ªóe¨ : mieivnK…Z eûwbe©vPwb Afxÿvi DËic‡Î cÖ‡kœi µwgK b¤^‡ii wecix‡Z cÖ`Ë eY©msewjZ e„Ëmg~n n‡Z mwVK/ m‡e©vrK…ó DË‡ii e„ËwU ej c‡q›U Kjg


DÏxcKwU c‡o 1 I 2bs cÖ‡kœi DËi `vI : wg. ivRb e¨vsK FY wb‡q ißvwb evwYR¨

Ki‡Z B”QzK| 1. e¨vsK FY †Ìqvi mgq Zvi wnmv‡e

†KvbwU m„wó Ki‡e? K FY AvgvbZ L RgvwZwi³ FY M mÂq N PjwZ 2. wg. ivRb FY MÖnY Ki‡Z cvi‡e

i. †mvbvjx e¨vsK ii. RbZv e¨vsK iii. evsjv‡`k e¨vsK



3. †Kvb †ÿ‡Î e¨vsK I MÖvn‡Ki m¤ú‡K©i cwimgvwß‡Z Av`vj‡Zi m¤ú„³Zv _v‡K?

K MÖvn‡Ki g„Zz¨ n‡j L MÖvnK †`Dwjqv n‡j M MÖvnK cÖZviYv Ki‡j N `xN©Kvj †jb‡`b eÜ _vK‡j 4. GKwU e„nr e¨vsK K‡qKwU `ye©j e¨vs‡Ki

AwaKvsk †kqvi µq K‡i e¨vswKs Kvh©µg cwiPvjbv Ki‡j Zv‡K e‡j

K GKK e¨vsK L kvLv e¨vsK M MÖæc e¨vsK N †PBb e¨vsK 5. evsjv‡`‡ki e¨vsK¸‡jvi weivóªxKiY

cÖwµqv ïiæ nq †Kvb `kK †_‡K? K lv‡Ui `k‡K L mË‡ii `k‡K M Avwki `k‡K N beŸB `k‡K 6. nvwg` mv‡ne AvšÍR©vwZK eëmvi †ÿ‡Î

me©`v 'M' e¨vs‡Ki mnvqZv MÖnY K‡ib| 'M' e¨vsK Kx ai‡bi mnvqZv cÖ`vb K‡i?

K gybvdv eÈb K‡i L cÖZ¨qcÎ Bmy¨ K‡i M my‡ì nvi wba©viY K‡i N we‡`wk †µZvi Lyu‡R 7. wb‡Pi †Kvb gšÍe¨wU mwVK? K gybvdv AR©‡bi D‡Ï‡k¨ †K› ªxq e¨vsK MwVZ L gy`ªvevRv‡ii AwffveK n‡jv evwYwR¨K e¨vsK M †K›`ªxq e¨vsK gy`ªvevRv‡ii FY wbqš¿Y K‡i N evwYwR¨K e¨vsK¸‡jv wbKvk N‡ii

`vwqZ¡ cvjb K‡i 8. `ÿ e¨vsK eë¯’vi c~e©kZ© Kx? K `ÿ cwiPvjbv L e¨vs‡Ki Dci MÖvn‡Ki Av ’v M eûgyLx †mev cÖ`vb N we‡klvq‡bi bxwZ AbymiY 9. GKwU †gwkb wKb‡Z 21,000 UvKv cÖ‡qvRb|

µqK…Z †gwkb †_‡K AvMvgx 4 eQi †m evwl©K 7,000 UvKv AvšÍtcÖevn wbwðZ Ki‡Z cvi‡e, G‡ÿ‡Î Zvi †c-e¨vK mgq n‡e

K 6 eQi L 5 eQi M 4 eQi N 3 eQi

10. wbw`©ó Av‡qi gvby‡li Rb¨ †Kvb ai‡bi wnmve Dchy³?

K PjwZ wnmve L mÂqx wnmve M ’vqx wnmve N wegv mÂqx wnmve 11. cÖZ¨qcÎ Kvi AbyK‚‡j Bmy¨ Kiv nq? K e¨vsK L miKvi M Avg`vwbKviK N ißvwbKviK

12. whwb e¨vs‡K wnmve †Lv‡jb Zv‡K ejv nq K e¨vsKvi L AvgvbZKvix M FY`vZv N FYMÖnxZv 13. Rbve †mv‡nj XvKvq †eov‡Z wM‡q 'M'

e¨vs‡Ki GKwU kvLv †_‡K UvKv Zz‡j †KbvKvUv K‡ib| Rbve †mv‡nj 'M'

e¨vs‡Ki †Kvb †mev MÖnY K‡i‡Qb? K AbjvBb e¨vswKs L †dvb e¨vswKs M †WweU KvW© N Gm Gg Gm e¨vswKs 14. e¨vsK Kxfv‡e AwaK gybvdv AR©b Ki‡Z cv‡i? K AwaK Zvij¨ m„wó K‡i L e¨q ms‡KvPb K‡i M AwaK AvgvbZ msMÖn K‡i N FY cÖ`vb K‡i 15. RvZxq A_©bxwZi mg„w×‡Z e¨vsK Avgvb‡Zi

f‚wgKv n‡jv i. mÂq cÖeYZv m„wó ii. cyuwR ev g~jab MVb iii. eëmv‡qi gybvdv e„w×‡Z mnvqZv



DÏxcKwU c‡o 16 I 17bs cÖ‡kœi DËi `vI : Rbve jvey mvevb ˆZwii Rb¨ fvix hš¿cvwZ

`k eQ‡ii Rb¨ GKwU cÖwZôvb †_‡K fvovq †bb|

16. Rbve jvey mvevb ˆZwii †ÿ‡Î †Kvb Drm eënvi K‡i‡Qb?

K †µZv n‡Z AwMÖg MÖnY L wegv †Kv¤úvwb M wjwRs N e¨vsK 17. Rbve jvey A_©vq‡bi Rb¨ †Kvb welqwU‡K

†ewk ¸iæZ¡ w`‡q‡Qb? K FY g~ja‡bi eënvi L `xN©‡gqvw` m¤úwËi eënvi M mwÂwZ Znwe‡ji eënvi N wbR¯^ g~ja‡bi eënvi 18. eY©v †Kv¤úvwb 10% my‡` 2,00,000 UvKv

FY MÖnY K‡i| Ki nvi 40%| †Kv¤úvwbwUi FY g~jab e¨q KZ?

K 5% L 6% M 8% N 10%

19. 1 eQi ci kZKiv 10 UvKv gybvdvq 100 UvKvi fwel¨r g~j¨ KZ?

K 105 UvKv L 110 UvKv M 115 UvKv N 120 UvKv 20. wb‡Pi †KvbwU wewb‡qv‡Mi GKwU g~j¨vqb

cÖwµqv? K g~jab ev‡RwUs L A‡_©i mgqg~j¨ M evÆvi nvi wba©viY N A_©vq‡bi g~jbxwZ 21. †KvbwU SzuwKhy³ wewb‡qv‡Mi Drm? K †UªRvwi wej L †UªRvwi eÛ M †gqvw` AvgvbZ N mvaviY †kqvi 22. †Kvb ai‡bi jf¨vskbxwZ AwaK bgbxq? K w¯’wZkxj UvKv jf¨vsk bxwZ L jf¨vsk cÖ`vb AbycvZ bxwZ M w¯’i jf¨vsk mv‡_ AwZwi³ jf¨vsk bxwZ N ÷K jf¨vsk bxwZ 23. †KvbwUi †ÿ‡Î RvgvbZ Avek¨K? K eÛ L wW‡eÂvi M wejw¤^Z †kqvi N AMÖvwaKvi †kqvi 24. †Kvb ai‡bi Pµe„w×‡Z wewb‡qvM Ki‡j

fwel¨r g~j me©vwaK nq? K evrmwiK L lvš§vwlK M ˆÎgvwmK N gvwmK 25. my‡hvM e¨q m¤ú„³ †KvbwUi †ÿ‡Î? K FY g~jab L AMÖvwaKvi †kqvi M mvaviY †kqvi N msiwÿZ Avq 26. Kx we‡ePbvq Af¨šÍixY Znwej n‡Z ewn¯’

Znwej DËg? K †gqv` L ch©vßZv M Ki N my‡ì evaëvaKZv 27. †KvbwUi Rb¨ Zvij¨ SzuwK m„wó nq? K KuvPvgvj µq L FY g~jab eënvi M my‡ì nvi cwieZ©b N wW‡eÂvi µq 28. eëmvqxiv ¯^í‡gqvw` Znwe‡ji Drm

eënvi Kivi KviY i. A_© Av`vb-cÖ`v‡bi me‡P‡q `ªæZZg I

mij cÖwµqv ii. Zzjbvg~jKfv‡e LiP Kg iii. d¨vkb nvDm¸‡jvi Pvwn`v ªæZ cwieZ©bkxj

wb‡Pi †KvbwU mwVK? K i L ii M i I ii N i, ii I iii

29. miKvwi A_©vq‡bi g~j jÿ¨ †KvbwU? K mgvRKj¨vY wbwðZ Kiv L mvgvwRK AeKvVv‡gv ˆZwi M †hvMv‡hvM eë ’vi Dbœqb N AvBb-k„•Ljv I cÖwZiÿv 30. wb‡Pi †KvbwU A_©vq‡bi gybvdvwfwËK

Af¨šÍixY Drm? K AewÈZ gybvdv L cÖvc¨ wej fvOv‡bv M FYcÎ N ¯í‡gqvw` e¨vsK FY



Self test


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1 K 2 K 3 L 4 M 5 M 6 L 7 M 8 L 9 N 10 L 11 N 12 L 13 K 14 L 15 K

16 M 17 L 18 L 19 L 20 K 21 N 22 M 23 K 24 N 25 N 26 M 27 N 28 N 29 K 30 K





1. n¯ÍvšÍi‡hvM¨ wewbgq wej‡K Kx ejv nq? K WªvdU L cÖZ¨qcÎ M †PK N Pzw³i `wjj 2. e¨vswKs eë ’vi cÖvY‡K›`ª †KvbwU? K evwYwR¨K e¨vsK L †K› ªxq e¨vsK M K…wl e¨vsK N wkí e¨vsK

DÏxcKwU c‡o 3bs cÖ‡kœi DËi `vI : w`cv covïbv †kl K‡i e¨vsKvi n‡Z B”QzK|

Z‡e †m †`‡ki cÖavb e¨vsKwUi e¨vsKvi n‡Z Pvq| hv Ab¨vb¨ e¨vs‡Ki AwffveK|

3. w`cvi e¨vsKwUi mv‡_ mvgÄm¨c~Y© n‡e i. e¨vsKwU ¯vaxbZv †fvM K‡i ii. cÖ‡Z¨KwU ¯^vaxb †`‡k G e¨vsKwU Av‡Q iii. †`‡ki gy`ªv eë ’v wbqš¿Y K‡i



4. ¯^í‡gqvw` A_©vq‡bi evwn¨K Drm †KvbwU? K evwYwR¨K cÎ L AewÈZ gybvdv M mwÂwZ Znwej N AePq Znwej 5. A‡_©i mgq g~j¨ wba©vi‡Yi g~j KviY †KvbwU? K A‡_©i Zvij¨ L my‡ì nvi M gy`ªvbxwZ N ewa©Z gybvdv 6. AvivdvZ Bmjvg Zvi wewb‡qvM †_‡K MZ

wZb eQi h_vµ‡g 5%, 7% I 11% nv‡i gybvdv †c‡q‡Qb| Zvi Mo gybvdv KZ?

K 5% L 7% M 7.67% N 11% 7. †UªRvix eÛ †_‡K cÖvß Avq‡K SzuwKgy³

Avq ejv nq †Kb? K AwaK Avq _vKvq L mxwgZ Avq _vKvq M wbw`©ó Avq _vKvq N cwieZ©bkxj Avq _vKvq 8. evwYwR¨K e¨vsK RbM‡Yi gv‡S Kx‡mi

cÖeYZv m„wó K‡i? K F‡Yi L mÂ‡qi M wegvi N RbKj¨v‡Yi 9. iæj-72 Abyhvqx UvKv wØ¸Y n‡j 72 †K

†gqv` Øviv fvM K‡i wK cvIqv hvq? K eZ©gvb g~j¨ L fwel¨r g~j¨ M my‡ì nvi N F‡Yi cwigvY 10. e¨vsK Zvi MÖvnK‡K PjwZ wnmve †_‡K

RgvwZwi³ A_© D‡Ëvj‡bi my‡hvM †`q †Kb? K A‡_©i wbivcËvi Rb¨ L AwZwi³ A‡_©i cÖ‡qvRb wgUv‡bvi Rb¨ M MÖvn‡Ki mv‡_ mym¤úK© iÿvi Rb¨ N F‡Yi myweavi Rb¨ 11. eëmvwqK SzuwK Gov‡Z PvB‡j Kx Kiv DwPZ? K ’vqx Li‡Pi cwigvY e„w× Kiv L F‡Yi gva¨‡g A_© msMÖn bv Kiv M ïay Af¨šÍixY Drm n‡Z A_© msMÖn Kiv N Av‡qi w ’wZkxjZv wbwðZ Kiv

DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : Rbve Avigvb GKRb gyw` eëmvqx| wZwb

gvwmK 12% my‡` 2,000 UvKv 2 eQ‡ii Rb¨ e¨vs‡K Rgv iv‡Lb|

12. DÏxcK Abyhvqx Pµe„w×i msL¨v KZ? K 6 L 12 M 18 N 24 13. Rbve Avigvb 2 eQi ci e¨vsK †_‡K KZ

UvKv cv‡eb? K 2,500 UvKv L 2,580 UvKv M 2,539 UvKv N 2,550 UvKv 14. †KvbwU g~jawb LiPwenxb A_©vq‡bi Drm? K wjwRs L FYcÎ M cÖ‡`q wej N evwYwR¨K cÎ 15. ïf †Mv‡ìb e¨vs‡K mÂq wnmve cwiPvjbv

K‡i Avm‡Q| eZ©gv‡b Zvi GKwU cv `yN©Ubvq bó n‡q hvq| eZ©gvb Ae¯’vq ïf I †Mv‡ìb e¨vs‡Ki m¤úK© n‡e i. †WweU †µwWU ii. Pzw³e× iii. m¤ú‡K©i Aemvb



16. †Kvb ai‡bi †kqv‡ii gva¨‡g †Kv¤úvwb Zvi Avq cybtwewb‡qv‡Mi my‡hvM cvq?

K ivBU †kqvi L †evbvm †kqvi M wejw¤^Z †kqvi N AMÖvwaKvi †kqvi 17. Bmjvgx e¨vsK¸‡jv †Kvb †mevi gva¨‡g

hš¿cvwZ µ‡qi Rb¨ FY MÖnxZv‡K FY cÖ`vb K‡i _v‡K?

K gy`vivev L gyivevnv M evB mvjvg N evB gyqv‡¾j 18. gybvdvi Ask †kqvi‡nvìvi ev gvwjKM‡Yi

g‡a¨ eÈb bv K‡i fwel¨‡Zi Rb¨ mÂq K‡i ivLv‡K Kx e‡j?

K msiwÿZ Znwej L wewae× Znwej M mvaviY mwÂwZ N mÂq 19. GKwU cÖK‡í 2,00,000 UvKv wewb‡qvM K‡i

AvMvgx 4 eQi evwl©K 40,000 UvKv wbU gybvdv cvIqv hv‡e| hw` evwl©K AePq 10,000 UvKv nq Z‡e cÖKíwUi †c-e¨vK mgq KZ?

K 1.66 eQi L 6.66 eQi M 4.00 eQi N 5.00 eQi 20. A_©vq‡bi Af¨šÍixY Drm n‡”Q K AewÈZ gybvdv L evwYwR¨K cÎ M cÖ‡`q wej N FYcÎ 21. eëmvq cÖwZôv‡bi Rb¨ g~jab e¨q wn‡m‡e

MY¨ nq †KvbwU? K gybvdv †_‡K cÖvß Avq L g~jab mieivnKvix‡ì cÖZ¨vwkZ Avq M wbR¯^ Znwej †_‡K cÖvß Avq N ’vqx m¤úwËi weµq n‡Z Avq

DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : mwRe †cvÏvi †QvU cwim‡i GKwU gyiwMi

Lvgvi cwiPvjbv Ki‡Zb| 6 gvm c~‡e© ¯’vbxq NGO Gi KvQ †_‡K ÿz`ª FY wb‡q wZwb GKwU Miæi Lvgvi K‡ib|

22. DÏxc‡K †Kvb ai‡bi A_©vq‡bi K_v ejv n‡q‡Q?

K Af¨šÍixY L wjwRs M `xN©‡gqvw` N ¯í‡gqvw` 23. mwRe †cvÏv‡ii wewb‡qvM †Kvb bxwZi cwicwš’? K êwPÎ¨vq‡bi bxwZ L Dchy³Zvi bxwZ M g~ja‡bi bxwZ N Zvi‡jï bxwZ 24. `ªe¨ wewbgq cÖ_vi mgm¨v †KvbwU? K mÂ‡qi Afve L Dc‡hv‡Mi Afve M cÖ‡qvRbxqZvi Afve N wg‡ji Afve

A A B 25. wPÎ A I B Gi g‡a¨ cÖKvk cvq

i. wewbgq gva¨g ii. mÂ‡qi fvÐvi iii. g~‡jï cwigvcK



26. cÖvc¨ wej evÆvKiY Kvi KvR? K e¨vs‡Ki L ißvwbKviK‡ì M Avg`vwbKviK‡ì N cvIbv`vi‡ì 27. †U‡j· evwYwR¨K e¨vs‡Ki †Kvb ai‡bi LiP? K cwienb LiP L †hvMv‡hvM LiP M Awdm LiP N gRywi LiP 28. iƒcK e¨vsK 5 jÿ UvKv 9 eQ‡i wØ¸Y

nIqvi cÖ¯Íve w`‡j my‡ì nvi KZ? K 7% L 8% M 9% N 10% 29. e¨vs‡Ki mv‡_ m¤ú‡K©i †ÿ‡Î mZZvi

cwiPq †Ìqv MÖvn‡Ki †Kvb ai‡bi `vwqZ¡? K mvaviY `vwqZ¡ L we‡kl `vwqZ¡ M cig `vwqZ¡ N cweÎ `vwqZ¡ 30. cÙvi eZ©gvb eQ‡ii gybvdvi cwigvY

90,000 UvKv Ges hš¿cvwZi AeP‡qi cwigvY 7,000 UvKv| cÙvi eZ©gvb eQ‡ii bM` AvšÍtcÖev‡ni cwigvY KZ?

K 83,000 UvKv L 95,000 UvKv M 97,000 UvKv N 90,000 UvKv



Self test


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1 M 2 L 3 N 4 K 5 L 6 M 7 M 8 L 9 M 10 L 11 N 12 L 13 M 14 M 15 K

16 L 17 L 18 K 19 M 20 K 21 L 22 N 23 L 24 K 25 M 26 K 27 L 28 L 29 M 30 M



welq †KvW : 1 5 2 mgq30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb30 [we‡kl ªóe¨ : mieivnK…Z eûwbe©vPwb Afxÿvi DËic‡Î cÖ‡kœi µwgK b¤‡ii wecix‡Z cÖ`Ë eY©msewjZ e„Ëmg~n n‡Z mwVK/ m‡e©vrK…ó DË‡ii e„ËwU ej c‡q›U Kjg

Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. miKvwi A_©vq‡bi g~j jÿ¨ †KvbwU? K mgvRKj¨vY wbwðZ Kiv L mvgvwRK AeKvVv‡gv ˆZwi M †hvMv‡hvM eë¯’vi Dbœqb N AvBb k„•Ljv I cÖwZiÿv 2. GKRb mewR we‡µZv Zvi ˆ`wbK DcvR©‡bi cy‡ivUvB

e¨vs‡K Rgv ivL‡j †Kvb bxwZi j•Nb nq? K Zvij¨ ebvg gybvdvbxwZ L Dchy³Zvi bxwZ M c‡Yï êwPÎ¨vqb I SzuwKeÈb N wbivcËvi bxwZ 3. †Kvb ai‡bi A_©vq‡b Avq A‡cÿv e¨q †ewk

n‡Z cv‡i? K cvwievwiK L miKvwi M AvšÍR©vwZK N Aeëmvqx 4. †KvbwUi †ÿ‡Î A‡_©i mgqg~‡jï ¸iæZ¡ Acwimxg? K my‡ì nvi wba©vi‡Y L Avw_©K Ae ’v wbiƒc‡Y M wewb‡qvM wm×všÍ MÖn‡Y N F‡Yi wKw¯Í n«vmKi‡Y 5. jvfwj †Kv¤úvwb 10% my‡` 2,00,000 UvKv

FY MÖnY K‡i| Ki nvi 40%| †Kv¤úvwbi FY g~jab e¨q KZ?

K 5% L 6% M 8% N 10% DÏxcKwU c‡o 6 I 7bs cÖ‡kœi DËi `vI : mvevb ˆZwii Rb¨ Kvgvj mv‡ne Zvi wKQy

cÖ‡qvRbxq hš¿cvwZ mvZ eQ‡ii Rb¨ GKwU cÖwZôvb †_‡K fvov †bb Ges h_vmg‡q fvov cwi‡kvaI K‡ib| wKQyw`‡bi g‡a¨B wZwb eëmv‡q mdjZv jvf K‡ib|

6. Kvgvj mv‡ne Znwej msMÖ‡ni †ÿ‡Î †Kvb Dr‡mi mnvqZv wb‡q‡Qb?

K †µZv n‡Z AwMÖg MÖnY L FYcÎ M evwYwR¨KcÎ N wjwRs 7. Kvgvj mv‡ne Znwej msMÖ‡ni †ÿ‡Î †Kvb

welqwU‡K ¸iæZ¡ w`‡q‡Qb? K mwÂwZ Znwe‡ji eënvi L `xN©‡gqvw` m¤úwËi eënvi M AewÈZ jf¨vsk FY N eva¨Zvg~jK my` cÖ`vb 8. eëmvqxiv ¯^í‡gqvw` Znwe‡ji Drm eënvi

Kivi KviY i. `ªæZZg I mij cÖwµqv ii. Zzjbvg~jKfv‡e LiP Kg iii. d¨vkb nvDm¸‡jvi Pvwn`v ªæZ cwieZ©bkxj

wb‡Pi †KvbwU mwVK? K i L ii M i I ii N i, ii I iii 9. Drcv`‡bi DcKi‡Yi g~j¨ cwieZ©‡bi d‡j

†Kvb ai‡bi SzuwKi m„wó nq? K Avw_©K SzuwK L Zvij¨ SzuwK M eëmvwqK SzuwK N my` nv‡ii SzuwK 10. †Kvb †ÿ‡Î eëmv cÖwZôv‡b SzuwKi Zvrch©c~Y©

f‚wgKv i‡q‡Q? K wm×všÍ MÖn‡Yi †ÿ‡Î L cwiKíbv cÖYq‡b M cwiPvjbvi †ÿ‡Î N g~jab msMÖ‡n 11. Rbve SY©v ivRkvnx‡Z Mv‡g©›Um cÖwZôvi wm×všÍ

MÖnY K‡i‡Qb| g~jab ev‡RwUs-Gi mvnv‡h¨ wZwb †Kvb wm×všÍwU wb‡eb?

K †cvkv‡Ki g~j¨ wba©viY L kÖwg‡Ki gRywi wba©viY M KviLvbv fe‡bi Rb¨ ’vb wbe©vPb N fvwi hš¿cvwZ µq

12. AMÖvwaKvi †kqvigvwj‡Ki Amyweav †KvbwU? K gybvdvi AMÖvwaKvi L mxwgZ Avq M mxgve× `vq N wbw`©ó nv‡i Avq 13. †Kvb †kqv‡ii `vwe mK‡ji Ici †gUv‡bv nq? K ivBU †kqvi L †evbvm †kqvi M wejw¤Z †kqvi N AMÖvwaKvi †kqvi 14. Mo gybvdvi nvi c×wZ‡Z

i. c~e©wba©vwiZ nv‡ii mv‡_ wb‡Y©q nv‡ii Zzjbv Kiv nq

ii. A‡_©i mgqg~j¨ ¸iy‡Z¡i mv‡_ we‡ePbv Kiv nq iii. Kgc‡ÿ `yywU cÖKí we‡ePbv K‡i wm×všÍ

wb‡Z nq wb‡Pi †KvbwU mwVK? K i I ii L i I iii


DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : kvwnb mv‡ne Ggb `ywU cÖK‡í wewb‡qvM

K‡i‡Qb hvi cÖ_g cÖKíwUi RvgvbZwenxb wewb‡qv‡Mi A_© wZwb wZb eQi ci †diZ cv‡eb| wØZxq cÖKíwU‡Z wewb‡qvM †_‡K MZ K‡qK eQi †Kv‡bv Avq bv †c‡jI †Kv¤úvwbi cwiPvjbvmsµvšÍ wel‡q gZvgZ w`‡Z cv‡ib|

15. cÖ_g cÖKíwU‡Z kvwnb mv‡n‡ei wewb‡qv‡Mi †ÿÎ n‡jv

K eÛ L wW‡eÂvi M mvaviY †kqvi N AMÖvwaKvi †kqvi 16. DÏxc‡Ki Z_¨ Abyhvqx K kvwnb mv‡ne `ywU †Kv¤úvwbi gvwjK L `ywU †Kv¤úvwbi m¤úwË‡Z kvwn‡bi `vwe

GKB cÖK…wZi M wØZxq cÖKíwU‡Z wewb‡qvM cÖ_gwU n‡Z

AwaK SzuwKc~Y© N wØZxq cÖKíwUi Aemvq‡b kvwnb mv‡n‡ei

`vwe Av‡M c~iY Kiv n‡e 17. †Kvb bxwZ Abymv‡i FYMÖnxZvi m”QjZv

e¨vs‡Ki Rb¨ ¸iæZ¡c~Y©? K wbivcËvi bxwZ L m”QjZvi bxwZ M Zvij¨ bxwZ N mveavbZvi bxwZ 18. e¨vsK Zvi MÖvnK‡K PjwZ wnmve †_‡K

RgvwZwi³ A_© D‡Ëvj‡bi my‡hvM †`q †Kb? K A‡_©i wbivcËvi Rb¨ L MÖvn‡Ki mv‡_ mym¤úK© iÿvi Rb¨ M F‡Yi myweavi Rb¨ N AwZwi³ A‡_©i cÖ‡qvRb wgUv‡bvi Rb¨ 19. †Kvb †ÿ‡Î e¨vsK I MÖvn‡Ki m¤ú‡K©i

cwimgvwß‡Z Av`vj‡Zi m¤ú„³Zv _v‡K? K MÖvn‡Ki g„Zz¨ n‡j L MÖvnK †`Dwjqv n‡j M MÖvnK cÖZviYv Ki‡j N `xN©Kvj †jb‡`b eÜ _vK‡j 20. wg. iæ‡ej †P‡Ki gva¨‡g GKwU j¨vcUc µq Ki‡j

i. †PKwU gy ªvi weKí wnmv‡e KvR Ki‡e ii. wg. iæ‡e‡ji e¨vs‡K UvKv K‡g hv‡e iii. D³ †PK wewbg‡qi gva¨g wnmv‡e KvR Ki‡e



21. GKwU e„nr e¨vsK Ab¨ K‡qKwU `ye©j e¨vs‡Ki AwaKvsk †kqvi µq K‡i e¨vswKs Kvh©µg cwiPvjbv Ki‡j Zv‡K e‡j

K GKK e¨vsK L kvLv e¨vsK M MÖæc e¨vsK N †PBb e¨vsK 22. `ªe¨ wewbgq cÖ_vi mgm¨v n‡jv

i. Pvwn`v I †hvMv‡bi AmvgÄm¨Zv ii. msiÿ‡Yi Amyweav iii. c‡Yï g~j¨ wba©vi‡Y Amyweav



23. F‡Yi †kl AvkÖq¯’j wnmv‡e evwYwR¨K e¨vs‡Ki wbKU me‡P‡q Avcb †K?

K MÖvnK L gv‡P©›U e¨vsK M †K› ªxq e¨vsK N wewb‡qvM e¨vsK 24. Rbve ivZzj GKwU †PK †c‡jb hv‡Z AvovAvwo

mgvšÍivj †iLv Aw¼Z wQj| ivZz‡ji †PKwU †Kvb ai‡bi?

K evnK †PK L ûKzg †PK M `vMKvUv †PK N ågYKvixi †PK 25. †Kvb c×wZ‡Z Bmjvwg e¨vswKs G MÖvn‡Ki Rb¨

hš¿cvwZ µq Kiv nq? K gy`vivev L gyivevnv M evB mvjvg N evB gyqv‡¾j 26. AvšÍR©vwZK eëmvq †ÿ‡Î GKwU e¨vsK Kxfv‡e

mnvqZv K‡i? K cÖZ¨qbcÎ Bmy K‡i L gybvdv eÈb K‡i M we‡`wk †µZvi mÜvb w`‡q N my‡ì nvi wba©viY K‡i

DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI : Rbve †mwjg eëmvwqK cÖ‡qvR‡b †jb‡`b

Ki‡Z cÖwZw`b e¨vs‡K hvb| 27. Rbve †mwjg e¨vs‡K †Kvb ai‡bi wnmve Ly‡j‡Qb? K mÂqx wnmve L PjwZ wnmve M wWwcGm N ¯’vqx wnmve 28. Rbve †mwj‡gi e¨vs‡Ki D‡Ïk¨ n‡Z cv‡i

i. gy ªvevRvi wbqš¿Y ii. AvgvbZ MÖnY iii. A_© ¯’vbvšÍi



DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI : Lwjj mv‡ne cÖvBg e¨vsK †_‡K evwoi wecix‡Z

wZb eQi †gqvw` GKwU FY †bb| wKš‘ eëmv‡q †jvKmv‡bi Kvi‡Y wZwb mgqg‡Zv FY cwi‡kva Ki‡Z cv‡ibwb|

29. Lwjj mv‡n‡ei M„nxZ FY †Kvb ai‡bi? K ÿz « FY L eÜwK FY M ¯^í‡gqvw` FY N mvaviY FY 30. GB cwiw¯’wZ‡Z cÖvBg e¨vsK Ki‡Z cv‡i

i. eÜwK m¤úwË weµq ii. †K› ªxq e¨vs‡Ki mvnvh¨ †bIqv iii. eÜwK m¤úwË `Lj





Self test


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1 K 2 K 3 L 4 M 5 L 6 N 7 L 8 N 9 M 10 K 11 N 12 L 13 N 14 L 15 L

16 M 17 K 18 N 19 L 20 N 21 M 22 N 23 M 24 M 25 L 26 K 27 L 28 M 29 L 30 L


15 wm‡jU †evW© 2020



1. evsjv‡`‡k †Kv_vq ÷K G·‡PÄ i‡q‡Q? K XvKv I wm‡jU L XvKv I PÆMÖvg M XvKv I ivRkvnx N XvKv 2. †Kv¤úvwbi jf¨vsk cÖ`vb Kx‡mi Ici

wbf©ikxj? K ’vqx m¤úwËi L wewb‡qvMK…Z A‡_©i M AwR©Z gybvdvi N wbR¯^ g~ja‡bi 3. evsjv‡`k e¨vsK K‡e cÖwZwôZ n‡q‡Q? K 1969 mv‡j L 1970 mv‡j M 1971 mv‡j N 1972 mv‡j 4. e¨vswKs ej‡Z Kx †evSvq? K e¨vs‡Ki kvLv L e¨vs‡Ki wbqg-bxwZ M e¨vs‡Ki AvBbmsMZ Kvh©vewj N e¨vs‡Ki wnmve-wbKvk 5. K…wl e¨vsK †Kvb ai‡bi Avw_©K cÖwZôvb? K ivóªvqË L ¯vqËkvwmZ M miKvwi N we‡klvwqZ 6. mydjv e¨vsK †`bv-cvIbv wb®úwË‡Z †c-

AW©vi eënvi K‡i _v‡K| e¨vsK KZ©„K eën„Z G †c-AW©vi †KvbwU m„wó K‡i?

K wewbgq gva¨‡g L AwZwi³ gybvdv AR©‡bi gva¨‡g M g~jab MV‡bi gva¨‡g N wk‡ívbœq‡bi gva¨‡g 7. e¨vsK wnmve †Lvjvi mgq †Kvb ai‡bi

†mev AwaK we‡eP¨? K GKgyLx †mev L ê‡`wkK †mev M m¤ú` welqK †mev N eûgyLx †mev 8. mn‡R †jb‡`‡bi Rb¨ MÖvnK e¨vs‡Ki †Kvb

wel‡q †ewk ¸iæZ¡ w`‡e? K e¨vs‡Ki Zvij¨ L e¨vs‡Ki Ae ’vb M e¨vs‡Ki gybvdv N e¨vs‡Ki cwiwa 9. miKvwi A_©vq‡b cÖ_‡g †KvbwU wba©viY

Kiv nq? K Av‡qi cwigvY L e¨‡qi cwigvY M gybvdvi cwigvY N m¤ú‡ì cwigvY 10. bM` A_© I gybvdvi g‡a¨ †Kvb ai‡bi

m¤úK© i‡q‡Q? K mgvbycvwZK L wecixZgyLx M EaŸ©gyLx N wb¤œgyLx 11. WTO Gi c~Y©iƒc Kx? K World Trade Office L World Teaching Office M World Telecom Organization N World Trade Organization 12. fwel¨r weµ‡qi wecix‡Z AwMÖg †bIqv nq

†Kb? K ˆ`bw›`b LiP cwiPvjbvi Rb¨ L bZzb Lv‡Z wewb‡qv‡Mi Rb¨ M ’vqx LiP cwiPvjbvi Rb¨ N ’vqx m¤ú` AR©‡bi Rb¨

DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : ADB evsjv‡`k‡K cÖvq 200 †KvwU UvKv

FY w`‡Z AvMÖn cÖKvk K‡i‡Q| A_©‰bwZK Dbœqb I ê‡`wkK †jb‡`‡b fvimvg¨ Avbvi Rb¨ my`wenxb FY †Ìqv n‡”Q|

13. ADB †Kvb ai‡bi cÖwZôvb?

K †`kxq L BD‡ivcxq M AvšÍR©vwZK N Gkxq

14. ADB G FY w`‡Z AvMÖn cÖKvk K‡i‡Q i. A_©‰bwZK Dbœq‡bi Rb¨ ii. AvšÍR©vwZK P¨v‡jÄ †gvKvwejvi Rb¨ iii. eo As‡Ki my` Av`v‡qi Rb¨



15. my‡ì nvi Kgv‡j i. wewb‡qv‡Mi Pvwn`v ev‡o ii. wewb‡qv‡Mi evRvig~j¨ K‡g iii. wewb‡qv‡Mi evRvig~j¨ ev‡o



16. mvßvwnK 1% nv‡i my` wb‡j evwl©K my` n‡e K 7% L 12% M 52% N 65% 17. MÖvnK‡K †`Dwjqv †NvlYv K‡i †K? K evsjv‡`k e¨vsK L mswkøó e¨vsK M Av`vjZ N cvIbv`vi

DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI : Rbve mv‡ne Avjx GKRb eëmvqx| Zuvi

RbZv e¨vs‡K GKwU wnmve Av‡Q| wZwb e¨vs‡Ki KvQ †_‡K Zuvi evwoi wecix‡Z 5 eQi †gqvw` GKwU FY MÖnY K‡ib| wKš‘ eëmv‡qi †jvKmv‡bi Kvi‡Y wZwb mgqg‡Zv FY cwi‡kva Ki‡Z cv‡ib wb|

18. Rbve mv‡ne Avjxi M„nxZ FY †Kvb ai‡bi? K ÿz`ª FY L ¯í‡gqvw` FY M eÜwK FY N mvaviY FY 19. Rbve mv‡ne Avjxi e¨_©Zvi Kvi‡Y RbZv

e¨vsK Zvi cvIbv D×vi Ki‡Z cv‡i i. eÜwK m¤úwË †µv‡Ki gva¨‡g ii. †K› ªxq e¨vsK n‡Z Aby`vb cÖvwßi gva¨‡g iii. eÜwK m¤úwË wewµi gva¨‡g



20. †Kvb e¨vsK g~j¨¯Íi‡K w ’wZkxj iv‡L? K Kg©ms ’vb e¨vsK L GKK e¨vsK M ¯vqËkvwmZ e¨vsK N †K› ªxq e¨vsK 21. †K›`ªxq e¨vsK A_©‰bwZK M‡elYv Kivi

gva¨‡g i. miKv‡ii Avw_©K bxwZ cÖYqb K‡i ii. e¨vsK eë ’vi Dbœq‡b cÖqvm Pvjvq iii. gy`ªvevRvi cwiPvjbv K‡i



22. †K›`ªxq e¨vsK‡K Zzjbv Kiv nq Kx‡mi mv‡_? K ev`kvn L beve M Rwg`vi N †bZv 23. evwl©K my‡ì nvi cÖKv‡k †KvbwU eën„Z nq? K r L n M i N m 24. FY cwi‡kv‡ai AÿgZv †_‡K †Kvb SzuwKi

m„wó nq? K Avw_©K L eëmvwqK M Zvij¨ N my`nv‡ii 25. Z cÖwZôv‡bi Mo †_‡K Av‡qi eëav‡bi

e‡M©i Mo 167.75| cÖwZôvbwUi Av`k© wePz¨wZ KZ n‡e?

K 12.95% L 13.95% M 12.59% N 13.59% 26. g~jab ev‡RwUs cÖwµqvi cÖ_g avc Kx? K evÆv nvi wba©viY L g~jab ev‡RwUs c×wZ wbe©vPb M Mo g~jab e¨q wbY©q N bM` cÖevn cÖv°jb 27. †c-e¨vK mgq Kg n‡j Gi cÖfve Kx n‡e? K AjvfRbK n‡e L jvfRbK n‡e M µg‡hvwRZ n‡e N SzuwKc~Y© n‡e 28. `wR© †`vKv‡bi Rb¨ †gwkb †Kbv †Kvb

ai‡bi wm×všÍ? K Avq L A_©vqb M wewb‡qvM N jf¨vsk 29. X wj. Gi FYc‡Îi Kic~e© my‡ì nvi

16% Ges K‡ii nvi 40% n‡j Ki cieZx© F‡Yi e¨q KZ?

K 9.60% L 9.90% M 10.60% N 10.90% 30. ivwd wj. Gi †kqv‡ii eZ©gvb evRvi ì

200 UvKv| cÖwZôvbwU G eQi cÖwZ‡kqv‡i 20 UvKv nv‡i jf¨vsk †NvlYv K‡i| cÖwZôvbwUi mvaviY †kqvi g~jab e¨q KZ?

K 10% L 12% M 15% N 20%



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1 L 2 M 3 N 4 M 5 N 6 K 7 N 8 L 9 L 10 L 11 N 12 K 13 M 14 K 15 L

16 M 17 M 18 M 19 L 20 N 21 N 22 N 23 M 24 K 25 K 26 N 27 L 28 M 29 K 30 K





1. fwel¨r g~j¨ †_‡K A‡_©i eZ©gvb g~j¨ wbY©‡qi cÖwµqv‡K Kx e‡j?

K Pµe„w×KiY L evÆvKiY c×wZ M iæj 72 N jf¨vsk bxwZ 2. AwbðqZvi †h AskUzKz cwigvc Kiv hvq

Zv‡K e‡j K SzuwK L wePz¨wZ M cÖK…Z Avq N cÖZ¨vwkZ Avq 3. ê‡`wkK gy`ªvi AvMgb I wbM©gb wbqš¿Y

K‡i †Kvb e¨vsK? K Bmjvgx e¨vsK L wkí e¨vsK M evsjv‡`k e¨vsK N evwYwR¨K e¨vsK 4. `xN©‡gqvw` wewb‡qvM wm×všÍ †KvbwU? K cY¨ µq L KuvPvgvj µq M Rwg µq N Awdm miÄvg µq 5. avZe gy`ªvi cÖPjb K‡g hvIqvi KviY

i. avZzi weKí eënvi ii. avZe gy ªvi `xN© ¯’vwqZ¡ iii. avZe c`v‡_©i `y®úÖvc¨Zv

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 6. †KvbwUi †ÿ‡Î A‡_©i mgq g~‡jï ¸iæZ¡

Acwimxg? K F‡Yi wKw¯Í n«vm Kiv L Avw_©K Ae ’v wbiƒcY M wewb‡qvM wm×všÍ MÖnY N my‡ì nvi wba©viY 7. g~jab ev‡RwUs-Gi c×wZ KqwU? K 2wU L 3wU M 4wU N 5wU 8. g~jab ev‡RwUs-Gi e¨_©Zvi `vwqZ¡ Kvi

wb‡Z nq? K gvwj‡Ki L eë ’vc‡Ki M Kg©Pvix‡ì N A_© eë ’vc‡Ki 9. wb‡Pi †KvbwU g~ja‡bi e¨q? K F‡Yi my` L †kqv‡ii jf¨vsk M wbR¯ Znwe‡ji jvf N Mo g~jawb e¨q 10. evwYR¨ NvUwZ c~i‡Yi †ÿ‡Î †KvbwU

¸iæZ¡c~Y© f‚wgKv iv‡L? K AvqKi L ê‡`wkK mvnvh¨ M †iwg‡UÝ N ê‡`wkK FY 11. e¨vsK eëmv‡qi Znwe‡ji cÖavb Drm †KvbwU? K AvgvbZ msMÖn L AewÈZ gybvdv M wW‡eÂvi N †kqvi DÏxcKwU c‡o 12bs cÖ‡kœi DËi `vI : `xN©w`b wnmve Pvjv‡bvi ci Bsj¨v‡Û

¯’vwqfv‡e emev‡mi D‡Ï‡k¨ Rbve Bqvwmb Zvi mKj cÖKvi e¨vsK †jb‡`b eÜ K‡ib|

12. Kx Kvi‡Y Rbve Bqvwm‡bi mv‡_ e¨vs‡Ki m¤ú‡K©i Aemvb N‡U?

K Av`vjZ KZ…©K †NvwlZ wm×v‡šÍ L `xN©w`b †jb‡`b bv Kivq M g‡°‡ji wbR¯^ wm×v‡šÍ N e¨vs‡Ki wm×všÍ Abyhvqx

13. Kvjy wgqv 12% my‡` 2 jÿ UvKv FY wb‡q gwbnvwi eëmvq ïiæ K‡i| K‡ii nvi 12% n‡j Zvi Ki mgš^qK…Z FY g~jab LiP KZ?

K 10.56% L 12% M 13.44% N 24% 14. AvšÍR©vwZK gy`ªv Znwe‡ji eZ©gvb

m`m¨msL¨v KZ? K 159 L 169 M 179 N 189 15. A_©vq‡bi weKv‡ki PviY f‚wg †KvbwU? K hy³ivóª L hy³ivR¨ M A‡÷ªwjqv N KvbvWv 16. ewn¯’ Znwej †gqv‡ì wfwË‡Z KZ cÖKvi? K 2 cÖKvi L 3 cÖKvi M 4 cÖKvi N 5 cÖKvi 17. evwYwR¨K cÎ weµ‡qi RvgvbZ wnmv‡e

KvR K‡i K cÖwZôv‡bi aib L cÖwZôv‡bi Ae¯’vb M cÖwZôv‡bi mybvg N cÖwZôv‡bi Av‡qi nvi 18. cY¨ ev †mev êwPÎ¨c~Y© n‡j

i. SzuwK ewÈZ nq I n«vm cvq ii. weµq e„w× cvq iii. cÖZ¨vwkZ gybvdv AR©b nq



19. MÖvgxY e¨vsK Kx ai‡bi e¨vsK? K miKvwi L †emiKvwi M we‡klvwqZ N gvwjKvbv DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : Rbve AvwbQ mv‡n‡ei GKwU cÖK‡íi 3

eQ‡ii Avq h_vµ‡g 10%, 5% Ges 15%| 20. AvwbQ mv‡n‡ei cÖK‡íi Mo Avq KZ? K 5% L 10% M 15% N 16% 21. D³ cÖK‡íi Av`k© wePz¨wZ n‡jv K 5% L 7% M 9% N 10% 22. evwYwR¨K e¨vs‡Ki cÖavb Kvh©vewj

i. A_© ¯’vbvšÍi ii. g~jab MVb iii. wewbg‡qi gva¨g m„wó



23. †Kvb †kqvigvwjKMY †fvUvwaKvi cÖ‡qv‡Mi gva¨‡g †Kv¤úvwb‡K wbqš¿Y K‡i?

K mvaviY †kqvi L AMÖvwaKvi †kqvi M ivBU †kqvi N †evbvm †kqvi DÏxcKwU c‡o 24bs cÖ‡kœi DËi `vI : Rbve gvbœv‡bi wbKU †_‡K cvIbv eve` ÔKÕ

e¨vs‡Ki GKwU †PK Rbve nvbœvb Zvi ÔLÕ e¨vs‡K Rgv †`b| ÔLÕ e¨vsK ÔMÕ e¨vs‡Ki gva¨‡g nvbœv‡bi wnmv‡e A_© Rgv K‡i|

24. GLv‡b ÔMÕ e¨vs‡Ki KvRwU n‡”Q K FY wbqš¿Y L AvgvbZ MÖnY M wbKvk N‡ii N g~jab MVb DÏxcKwU c‡o 25 I 26bs cÖ‡kœi DËi `vI : Kwig mv‡ne m¤úÖwZ Kvc‡oi eëmvÔ

m¤úÖmvi‡Yi Rb¨ Zvi cÖevmx fvB‡qi wbKU †_‡K 1,50,000 UvKv FY †bb| GQvov cÖwZôv‡bi Kv‡Ri cÖ‡qvR‡b 3 eQ‡ii Rb¨ GKwU wgwb UªvK jvM‡e hvi g~j¨ 10,00,000 UvKv hv µq Kiv Zvi c‡ÿ m¤¢e bq| wZwb GKwU cÖwZôv‡bi mv‡_ Pzw³e× n‡q gvwmK A_© cwi‡kv‡ai wfwË‡Z cÖwZôvbwUi UªvK eënvi K‡ib|

25. DÏxc‡K DwjøwLZ A_©vq‡bi Drm n‡”Q i. Af¨šÍixY ii. ê‡`wkK iii. ewnt¯’



26. UªvK eënv‡ii DrmwU we‡ePbv Kivi †hŠw³KZv n‡”Q i. `xN©‡gqvw` g~ja‡bi ¯íZv ii. iÿYv‡eÿ‡Yi Sv‡gjv †_‡K Ae¨vnwZ iii. my` cÖ`vb n‡Z Ae¨vnwZ



27. gy`ªv ej‡Z Kx †evSvq? i. wewbg‡qi gva¨g ii. g~‡jï cwigvcK iii. mÂ‡qi evnb



28. bM` AvšÍtcÖevn I wbU gybvdvi eëavb‡K Kx ejv nq?

K cÖviw¤¢K wewb‡qvM L bM` ewntcÖevn M †gvU PjwZ e¨q N †gvU AePq DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI : Rbve nvwKg 2,00,000 UvKv e¨vs‡K Rgv

iv‡Lb| e¨vsK Zv‡K 10% nv‡i gybvdv w`‡e| Zvi eÜyi cÖ Íve wQj H UvKv eÜyi Kv‡Q Rgv ivL‡j 6 eQi ci wØ¸Y UvKv †diZ w`‡e|

29. nvwKg 2 eQi ci e¨vsK †_‡K KZ UvKv cv‡e? K 2,42,000 UvKv L 2,42,200 UvKv M 2,42,400 UvKv N 2,42,600 UvKv 30. DÏxcK Abyhvqx

i. eÜyi †ÿ‡Î my‡ì nvi 9% ii. nvwK‡gi my‡hvM e¨q 12% iii. nvwK‡gi wewb‡qvM wm×všÍ mwVK

wb‡Pi †KvbwU mwVK? K i L ii M i I ii N ii I iii



Self test


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1 L 2 K 3 M 4 M 5 L 6 M 7 M 8 N 9 N 10 M 11 N 12 M 13 K 14 N 15 K

16 L 17 M 18 N 19 M 20 L 21 K 22 M 23 K 24 M 25 L 26 N 27 N 28 N 29 K 30 L




Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. QvcvLvbvi gvwjK wg. Kwig g~jab ev‡RwUs-Gi

mvnv‡h¨ wb‡Pi †Kvb wm×všÍwU wb‡eb? K KvMR µq L i‡Oi g~j¨ wba©viY M Qvcv‡bvi hš¿ µq N KvM‡Ri gvb hvPvB 2. FY MÖn‡Yi Av‡M cwi‡kva ÿgZv hvPvB K‡i

wb‡Z nq, KviY i. F‡Yi UvKv cwi‡kva Kiv eva¨Zvg~jK ii. G‡Z eëmvwqK SzuwK e„w× cvq iii. FY cwi‡kv‡a e¨_© n‡j cÖwZôvb †`Dwjqv n‡Z cv‡i


3. wb‡Pi †Kvb e¨vsKwU KvVv‡gvwfwËK †kÖwYwefv‡Mi AšÍfz©³?

K evwYwR¨K e¨vsK L †PBb e¨vsK M wewb‡qvM e¨vsK N ¯‹zj e¨vsK 4. †KvbwU †K› ªxq e¨vs‡Ki KvR? K FY AvgvbZ m„wó L gy ªvi µq ÿgZv wbqš¿Y M FY gÄyi N wewbgq wej fvOv‡bv 5. wg‡mm iwngv Zuvi ¯^vgxi e¨vsK wnmv‡ei DØ„Ë

Rvb‡Z PvIqv‡Z e¨vsK Kg©KZ©v AcviMZv cÖKvk K‡ib| G‡ÿ‡Î e¨vswKs eëmv‡qi †Kvb bxwZwU Abym„Z n‡q‡Q?

K mveavbZvi bxwZ L wbivcËvi bxwZ M wek¦¯ÍZvi bxwZ N †MvcbxqZv bxwZ 6. †µwWU KvW© eënv‡ii gva¨‡g

i. e¨w³MZ FY myweav cvIqv hvq ii. evwK‡Z gvjvgvj µq Kiv hvq iii. RxebhvÎvi gvb Dbœqb Kiv hvq


7. Zvij¨ iÿv eë ’vi Kvi‡Y evwYwR¨K e¨vsK Ges †K›`ªxq e¨vs‡Ki g‡a¨ Kx iKg m¤ú‡K©i m„wó nq?

K Av‡`óv-Avw`‡ói L AwQ M Pzw³wfwËK N mZZv I wek¦v‡mi 8. weµqjä A_© w`‡q kÖwg‡Ki gRywi cÖ`vb Kiv

n‡j A_©vq‡bi †Kvb bxwZwU Abym„Z nq? K Dchy³Zvi bxwZ L êwPÎ¨vqb bxwZ M Zvij¨ bxwZ N gybvdvi bxwZ DÏxcKwU c‡o 9bs cÖ‡kœi DËi `vI : Rbve AvivdvZ Zvi mwÂZ wKQy A_© †kqv‡i

wewb‡qvM Ki‡jb| †mLv‡b wZwb †Kv¤úvwbi cy‡ivcywi gvwjKvbv bv †c‡jI wbw ©ó nv‡i jf¨vsk †c‡q _v‡Kb|

9. Rbve AvivdvZ †Kvb ai‡bi †kqv‡i wewb‡qvM K‡i‡Qb?

K mvaviY †kqvi L AMÖvwaKvi †kqvi M †evbvm †kqvi N ivBU †kqvi 10. evwYwR¨K e¨vsK wb‡Pi †KvbwUi gva¨‡g

miKv‡ii gy ªv cÖPj‡b mnvqZv K‡i? K †PK Bmy¨ K‡i L A‡_©i wbivcËv cÖ`vb K‡i M gy`ªvi iƒcvšÍi K‡i N miKvwi †KvlvMvi wn‡m‡e KvR K‡i 11. wg‡mm †Rwib Avjg 1,000 UvKv w`‡q GKwU

Rvgv µq Ki‡jb| G‡Z gy`ªv KvR K‡i‡Q i. wewbg‡qi gva¨g wn‡m‡e ii. mÂ‡qi fvÐve wn‡m‡e iii. g~‡jï cwigvcK wn‡m‡e


DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : †PK bs-1

RbZv e¨vsK wj. AvMÖvev` kvLv

bs JB 0370 Zvs : 01-02-19 wnmve bs-2067 cÖ`vb Kiæb wg. Avjg †K .................. wek nvRvi UvKv gvÎ

UvKv- ¯^vÿi 20,000

†PK bs-2

†mvbvjx e¨vsK wj. gvwSi NvU kvLv

bs SB-23470 Zvs : 03-02-19 cÖ`vb Kiæb ...... †K A_ev evnK‡K ..... `k nvRvi UvKv gvÎ

UvKv- ¯^vÿi 10,000

12. DÏxc‡Ki †PK bs-2 Kx ai‡bi †PK? K ûKzg †PK L `vMKvUv †PK M Dcnvi †PK N evnK †PK 13. DÏxcK Abyhvqx wb‡Pi †KvbwU mwVK? K †PK bs-1 Gi gva¨‡g bM` UvKv D‡Ëvjb

Kiv hvq L h_vh_ e¨vsK wnmv‡ei gva¨‡g †PK bs-1

Gi A_© D‡Ëvjb Kiv hv‡e M †PK bs-1 wQbZvB n‡j cÖK…Z gvwjK ÿwZMÖ¯Í nq N †PK bs-1 A‡cÿv †PK bs-2 AwaK wbivc` 14. eëmvq cÖwZôv‡b gvwjK‡ì wbR¯^ g~jab‡K Kx e‡j? K BKz¨BwU L Mo g~jab M FY g~jab N PjwZ g~jab 15. evwYwR¨K e¨vs‡Ki e¨‡qi Drm †KvbwU? K F‡Yi my` L wej evÆvKiY M jKvi fvov N wbixÿ‡Ki wej 16. ivóªxq e¨vsK¸‡jvi weivóªxKiY cÖwµqv ïiæ nq K lv‡Ui `k‡K L mË‡ii `k‡K M Avwki `k‡K N beŸB‡qi `k‡K 17. †Kvb ai‡bi A_©vq‡b evwYR¨ NvUwZ †`Lv hvq? K miKvwi L cvwievwiK M eëmvq N AvšÍR©vwZK 18. ¯^í‡gqvw` A_©vq‡bi cÖvwZôvwbK Drm †KvbwU? K evwYwR¨K cÎ L MÖvg¨ gnvRb M gRy` gvj eÜwKKiY N cÖ‡`q wej 19. jf¨vsk mgZvKiY Znwe‡ji gva¨‡g †Kv¤úvwb

i. wb‡R‡ì mybvg AÿzYœ ivL‡Z cv‡i ii. wbqwgZfv‡e jf¨vsk cÖ`vb Ki‡Z Aÿg iii. †kqvi‡nvìvi‡ì cÖZ¨vkv c~iY Ki‡Z cv‡i


20. Awdm fvov, wegv LiP BZ¨vwì cwigvY †ewk n‡j Kx iKg SzuwKi m„wó nq?

K Avw_©K L eëmvwqK M Zvij¨ N my` nv‡ii DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : Rbve dinv` Zvi mwÂZ 2 jÿ UvKv 10%

gybvdvq 6 eQ‡ii Rb¨ Gm. Avi e¨vs‡K Rgv ivL‡jb| Zvi eÜy civgk© w`‡qwQj H UvKvq Rwg wKb‡j GKB mg‡q Zvi wewb‡qvMK…Z UvKv wØ¸Y n‡Zv|

21. Rbve dinv` 2 eQi ci Gm. Avi e¨vsK †_‡K cv‡e K 2,42,000 UvKv L 2,52,000 UvKv M 2,62,000 UvKv N 2,72,000 UvKv 22. DÏxcK Abyhvqx Rbve dinv‡ì my‡hvM e¨q KZ? K 2% L 10% M 12% N 14% 23. †KvbwUi e¨q †kqvigvwjK‡ì cÖZ¨vwkZ

jf¨vs‡ki Ici wbf©i K‡i? K wejw¤Z †kqv‡ii L AMÖvwaKvi †kqv‡ii M †evbvm †kqv‡ii N ivBU †kqv‡ii 24. †KvbwUi gva¨‡g e¨vsK ê‡`wkK evwY‡R¨

ißvwbKviK‡K AwMÖg A_© cÖ`v‡bi eë ’v K‡i? K cÖZ¨qcÎ L wewbgq wej M e¨vsK WªvdU N †PK

DÏxcKwU c‡o 25 I 26bs cÖ‡kœi DËi `vI : Rbve KvRj ÔKÕ I ÔLÕ bv‡g `ywU cÖK‡í

wewb‡qvM K‡i‡Qb| cÖKí ÔKÕ †_‡K wZwb MZ wZb eQ‡i 8% nv‡i gybvdv †c‡q‡Qb| cÖKí ÔLÕ †_‡K MZ wZb eQ‡i h_vµ‡g 6%, 10% I 8% nv‡i gybvdv †c‡q‡Qb| eZ©gv‡b wZwb GKwU cÖKí eÜ K‡i w`‡Z Pvb|

25. Rbve KvR‡ji cÖKí ÔLÕ Gi Mo gybvdv KZ? K 6% L 8% M 10% N 12% 26. DÏxcK Abyhvqx

i. cÖKí ÔKÕ SzuwKgy³ ii. cÖKí ÔLÕ Gi Av`k© wePz¨wZ 4% iii. Rbve KvR‡ji ÔLÕ cÖKíwU eÜ Kiv DwPZ


27. †Kv¤úvwb mvaviYZ ÷K jf¨vsk w`‡q _v‡K K †hŠw³K nv‡i L mgvb nv‡i M wbw`©ó nv‡i N AvbycvwZK nv‡i

DÏxcKwU c‡o 28bs cÖ‡kœi DËi `vI : Rbve Avigvb 1 jÿ UvKv wewb‡qvM Ki‡Z

Pvb| Zvi Rb¨ m¤¢ve¨ wZbwU wewb‡qvM cÖK‡íi Z_¨ wb¤œiƒc

cÖKí cÖv_wgK wewb‡qvM †c-e¨vK mgq X 40,000 UvKv 3 eQi Y 60,000 UvKv 4 eQi Z 60,000 UvKv 5 eQi

28. DÏxcK Abyhvqx Rbve Avigvb wewb‡qvM Ki‡e i. X cÖK‡í ii. Y cÖK‡í iii. Z cÖK‡í


29. MÖvn‡Ki †ÿ‡Î e¨vsK Avgvb‡Zi D‡Ïk¨ †KvbwU? K g~jab MVb L wewb‡qvM I Drcv`b M A‡_©i wbivcËv N mÂq cÖeYZv m„wó

DÏxcKwU c‡o 30bs cÖ‡kœi DËi `vI : wg. Avwb‡mi cÙv e¨vs‡Ki `ywU kvLvq RgvK…Z

A‡_©i Z_¨ wb¤œiƒc : kvLvi bvg Rgvi cwigvY gybvdv D‡Ëvjb

UvKv UvKv UvKv P 1,00,000 6,000 20,000 Q 2,00,000 1,00,000

30. wg. Avwbm cÙv e¨vs‡Ki Q kvLvq †Kvb ai‡bi wnmve Ly‡j‡Qb?

K PjwZ L mÂqx M ¯’vqx N wWwcGm



Self test


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1 M 2 L 3 L 4 L 5 N 6 K 7 K 8 K 9 L 10 K 11 L 12 N 13 L 14 K 15 N

16 M 17 N 18 N 19 L 20 L 21 K 22 M 23 L 24 K 25 L 26 L 27 N 28 K 29 M 30 K




Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. e¨vsK †_‡K M„nxZ F‡Yi wKw¯Í wba©vi‡Y

†Kvb c×wZ eën„Z nq? K g~jab e¨q L SzuwK cwigvc M g~jawb Avq cÖv°jb N Mo gybvdvi nvi *[we.`ª. : mwVK DËi : A‡_©i mgqg~j¨ c×wZ] 2. ˆÎgvwmK Pµe„w×‡Z m Gi gvb KZ? K 3 L 4 M 6 N 12 3. SzuwK I AwbðqZvi g‡a¨ cv_©K¨ n‡jv

i. SzuwK cwigvc Kiv hvq ii. AwbðqZv Acwigvc‡hvM¨ iii. AwbðqZv AMÖnY‡hvM¨


DÏxcKwU c‡o 4 I 5bs cÖ‡kœi DËi `vI : ïf GKRb QvZv cÖ¯‘ZKviK| wZwb AwaK

gybvdvi Avkvq GB eQi AwaK cwigvY QvZv Drcv`b K‡ib| wKš‘ G eQi e„wói cwigvY Avkvbyiƒc bv nIqvq QvZvi Pvwn`v G‡Kev‡iB Kg| d‡j cÖPzi cwigv‡Y QvZv AweµxZ _vKvq wZwb Avw_©K ÿwZi m¤§yLxb nb|

4. DÏxcK ewY©Z ïf †Kvb ai‡bi SzuwKi m¤§yLxb n‡q‡Qb?

K eëmvwqK L Zvij¨ M my‡ì nvi N Avw_©K 5. DwjøwLZ SzuwK n«v‡mi cš’v n‡Z cv‡i K eëmvq cwieZ©b L Aí cY¨ cÖ¯‘Z M cY¨ g~j¨ e„w× N weKí cY¨ cÖ ‘Z 6. Drcv`b c×wZ cÖwZ ’vcb I AvaywbKvq‡b

Kx‡mi cÖ‡qvM jÿ Kiv hvq? K Af¨šÍixY Znwe‡ji L ewn ’ Znwe‡ji M g~jab ev‡RwUs‡qi N Mo g~jab e¨‡qi 7. wewb‡qvwRZ A_©‡K evwl©K bM` cÖevn w`‡q

fvM Ki‡j Kx cvIqv hvq? K †c-e¨vK mgq L Af¨šÍixY gybvdvi nvi M wbU eZ©gvb g~j¨ N Mo gybvdvi nvi 8. GKwU †Kv¤úvwb 12% nv‡i 1 jÿ UvKv FY

MÖnY K‡i| Ki nvi 40% n‡j F‡Yi e¨q KZ? K 5% L 6% M 10% N 12% *[we.`ª. : mwVK DËi : 7.2%] 9. †kqvi evRv‡i ZvwjKvfz³ †Kv¤úvwbi

†kqvi Kq ai‡bi? K 2 L 3 M 4 N 5 10. AMÖvwaKvi †kqv‡i Avq Kg nevi m¤¢vebv

_v‡K i. AwaK SzuwKi Kvi‡Y ii. wbw`©ó my‡ì Kvi‡Y iii. Kg SzuwKi Kvi‡Y

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 11. wejw¤^Z †kqvigvwjK Kviv? K cwiPvjKe„›` L cÖeZ©Ke„›` M †kqvi‡nvìvie„›` N cvIbv`vie„›`

12. iwdK Zvi DcvR©b †_‡K cÖwZ gv‡m 1,000 UvKv fwel¨‡Zi Rb¨ Rgv iv‡Lb| GLv‡b A_© Kx wn‡m‡e KvR Ki‡Q?

K mÂ‡qi evnb L g~‡jï cwigvcK M wewbg‡qi gva¨g N A_© ’vbvšÍ‡ii evnb 13. †MvgZx e¨vsK wj. Avgvb‡Zi gva¨‡g m„ó

g~jab wewfbœ Lv‡Z FY`vb Ges wewb‡qv‡Mi gva¨‡g gybvdv AR©b K‡i| e¨vs‡Ki D³ Kv‡Ri gva¨‡g i. Drcv`‡bi cwigvY e„w× cvq ii. g~ja‡bi MwZkxjZv ev‡o iii. RvZxq Drcv`b e„w× cvq


14. wb‡Pi †Kvb e¨vsK gy`ªvi µqÿgZv msiÿY K‡i?

K evwYwR¨K e¨vsK L we‡klvwqZ e¨vsK M †K› ªxq e¨vsK N mgevq e¨vsK 15. e¨vswKs eëmv‡qi g~jbxwZ n‡jv

i. ¯^í e¨‡q AwaK gybvdv ii. †MvcbxqZv iÿv Kiv iii. RbKj¨v‡Yi j‡ÿ¨ KvR Kiv


DÏxcKwU c‡o 16bs cÖ‡kœi DËi `vI : Rbve Lv‡j` GKwU e¨vs‡Ki eë ’vcbv

cwiPvjK| m¤úÖwZ e¨vsKwU AbjvBb e¨vswKs †mev Pvjy K‡i‡Q| wKš‘ AwZ gvÎvq FY`v‡bi Kvi‡Y e¨vsKwU eZ©gv‡b Zvij¨ msK‡U c‡o‡Q|

16. DÏxc‡K †Kvb ai‡bi e¨vs‡Ki K_v ejv n‡q‡Q?

K GKK e¨vsK L kvLv e¨vsK M †PBb e¨vsK N MÖæc e¨vsK 17. LC Kvi AbyK‚‡j Bmy¨ Kiv nq?

K Avg`vwbKvi‡Ki L ißvwbKvi‡Ki M miKv‡ii N Drcv`bKvixi 18. wb‡Pi †KvbwU evwYwR¨K e¨vs‡Ki KvR? K FY wbqš¿Y L gy`ªvgvb msiÿY M Zvij¨ msiÿY N miKvi‡K civgk©`vb 19. ATM Gi c~Y©iƒc Kx? K Automated Teller Machine L All Time Money M Automatic Time Money N Automated Time Machine 20. e¨vsK wnmv‡ei gva¨‡g mnR n‡q‡Q

i. A_© ¯’vbvšÍi Kiv ii. A_© mÂq Kiv iii. †jb‡`b wb®úwË Kiv


DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : Rbve †gvn‡bi myigv e¨vs‡K GKwU wnmve

i‡q‡Q| wZwb Zvi cÖ‡qvR‡b e¨vsK F‡Yi Av‡e`b K‡i‡Qb| Av‡e`b di‡g wKQy Z_¨ mwVK w`‡jI wKQy fzj Z_¨ cÖ`vb K‡ib| cieZx©‡Z G¸‡jv aiv c‡o Ges e¨vsK FY cÖ`v‡b A¯xK…wZ Rvbvq|

21. e¨vsK FY gÄyi bv Kivi KviY Kx? K ivR‰bwZK L Mviwbwk AW©vi M AvBbMZ N A_©‰bwZK 22. FY †c‡Z †gvn‡bi KiYxq n‡jv

i. mwVK Z_¨ mieivn Kiv ii. cÖZviYvg~jK KvR bv Kiv iii. wek¦¯ÍZvi bxwZ †g‡b Pjv


23. FY wbqš¿Y Kivi Rb¨ †K›`ªxq e¨vsK Kx KvR K‡i?

K my‡ì nvi n«vm K‡i L my‡ì nvi e„w× K‡i M Rgvi nvi AcwiewZ©Z †i‡L N Rgvi nvi e„w× K‡i *[we.`ª. : mwVK DËi : K, L I N] 24. wbKvk N‡ii `vwqZ¡ cvjb K‡i †Kvb e¨vsK? K †mvbvjx e¨vsK L RbZv e¨vsK M iƒcvjx e¨vsK N †K› ªxq e¨vsK 25. †K›`ªxq e¨vs‡Ki wbe©vnx cwiPvj‡Ki msL¨v KZ? K 1 Rb L 4 Rb M 6 Rb N 12 Rb 26. evsjv‡`‡ki evwYR¨ NvUwZ c~i‡Y †KvbwU

f‚wgKv iv‡L? K ê‡`wkK FY L †iwg‡UÝ M ißvwb ïé N ê‡`wkK mvnvh¨ 27. Znwej msMÖn I eë¯’vcbv-msµvšÍ

cÖwµqv‡K Kx e‡j? K A_©vqb L ev‡RU M Avw_©K cwiKíbv N eëmvq A_©vqb 28. GKRb we‡µZvi `„wó‡Z wewbgq wej GKwU K ûwÛ L evÆvKiY M cÖ‡`q wej N cÖvc¨ wej 29. ABC wj. †kqvi weµ‡qi gva¨‡g 1 †KvwU

UvKv g~jab msMÖ‡ni wm×všÍ wb‡q‡Q| GLv‡b ABC wj. Gi aib †KvbwU?

K cÖvB‡fU wj. †Kv¤úvwb L Askx`vwi M cvewjK wj. †Kv¤úvwb N mgevq 30. wb‡Pi †KvbwU K…wlwfwËK FY? K ¯í‡gqvw` FY L ga¨‡gqvw` FY M ÿz`ª FY N `xN©‡gqvw` FY



Self test


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1 * 2 L 3 K 4 K 5 N 6 M 7 K 8 * 9 N 10 M 11 L 12 K 13 N 14 M 15 K

16 L 17 L 18 K 19 K 20 N 21 M 22 K 23 * 24 N 25 N 26 L 27 K 28 N 29 M 30 M


19 XvKv †evW© 2019


Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. †Kv¤úvwb Zvi cÖ‡qvRbxq Znwej Kxfv‡e msMÖn K‡i? K gybvdv AR©b K‡i L †kqvi µq K‡i M †kqvi weµq K‡i N FY MÖnY K‡i 2. †Kvb A_©vq‡bi †ÿ‡Î AMÖvwaKv‡ii wfwË‡Z

AwaK ¸iæZ¡c~Y© e¨q¸‡jv c~iY Kiv nq? K cvwievwiK L miKvwi M eëmvq N AvšÍR©vwZK 3. eëmv‡q †ewk jv‡fi Avkvq AwaK Znwej

wewb‡qvM Ki‡j †KvbwU N‡U? K e¨vsK †_‡K cÖvc¨ Avq evo‡e L bM` A‡_©i NvUwZ n‡e M AwaK gybvdv AwR©Z n‡e N gybvdv n«vm cv‡e 4. GKRb d‡UvKwc eëmvqx Kic~e© FY g~jab

e¨q 10% †K 30% Ki nvi w`‡q mgš^q Ki‡j Ki mgš^qK…Z FY g~jab e¨q KZ n‡e?

K 7% L 7.25% M 7.5% N 7.75% 5. wb‡Pi †KvbwU mwVK? K gy`ªvi BwZnvm LyeB êwPÎ¨nxb L gy`ªv mÂ‡qi evnb wnmv‡e KvR K‡i M UvKv mKj †`‡kB MÖnY‡hvM¨ gy`ªv N gy`ªvi MÖnY‡hvM¨Zv w`b w`b Kg‡Q 6. GKvwaKevi Pµe„w×i †ÿ‡Î †KvbwUi gva¨‡g

eZ©gvb g~j¨ wba©viY Kiv nq? K my` L Avmj M my`vmj N evÆvKiY 7. iæj Ô72Õ Abyhvqx wb‡Pi †KvbwU‡K my‡ì nvi

w`‡q fvM Ki‡j †gqv` cvIqv hvq? K 72 L Avmj M my`vmj N wØ¸Y nvi 8. Avw_©K SzuwK e„w× cvq hLb

i. e¨vs‡Ki F‡Y cÖwZôvb cwiPvwjZ nq ii. F‡Yi my` cwi‡kva Ki‡Z nq iii. gybvdv AR©b m¤¢e nq bv


9. evwYwR¨K e¨vs‡Ki Znwe‡ji cÖv_wgK I cÖavb Drm †KvbwU?

K cwi‡kvwaZ g~jab L MÖvnK cÖ`Ë AvgvbZ M msiwÿZ Znwej N FY MÖnY

DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : Rbve iwdK AvRv` wmwU e¨vsK wj.-G 5,000

UvKv Rgv w`‡q GKwU wnmve Lyj‡jb| wKQyw`b ci D³ e¨vs‡Ki Bmy¨ Kiv 50,000 UvKvi GKwU †PK †c‡q UvKv Zzj‡Z †M‡jb| e¨vsK Kg©KZ©v Rbve iwdK‡K UvKv bv w`‡q †PKwU Zvi wnmv‡e Rgv w`‡Z civgk© w`‡jb|

10. Rbve iwdK n‡jb e¨vs‡Ki K †WUi L †µwWUi M AwQ N cÖwZwbwa 11. DÏxc‡K DwjøwLZ †PKwU AwaKZi wbivc`| KviY

i. Gi A_© e¨vsK wnmv‡ei gva¨‡g Zzj‡Z nq ii. †P‡Ki †Kvbvq AvovAvwo mgvšÍivj †iLv Uvbv _v‡K iii. wnmve avi‡Ki ¯^vÿi Qvov UvKv DVv‡bv hvq bv


12. †Kvb ai‡bi eëmvq cÖwZôv‡b A_©vqb cÖwµqv wfbœ nq?

K GKgvwjKvbv L Askx`vwi M †hŠ_g~jawb N mgevq 13. †KvbwU †K› ªxq e¨vs‡Ki mvaviY KvR? K miKvwi F‡Yi Z`viK Kiv L e¨vsK eë¯’vi Dbœqb Kiv M wkí Dbœq‡b bxwZ wba©viY Kiv N F‡Yi eënvi wbwðZ Kiv 14. eÛ‡nvìviMY †Kv¤úvwbi Kx wnmv‡e MY¨ nb? K gvwjK L FYMÖnxZv M FY`vZv N †`bv`vi

DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : Rbve †njvj Zvi µqK…Z †kqvi †_‡K wbqwgZ

jf¨vsk cvb bv| mv¤úÖwZKKv‡j †kqvievRv‡i Ae¨vnZ ìcZ‡bi Kvi‡Y wZwb Ggb GKwU weKí wewb‡qvM †ÿÎ LyuR‡Qb †hLv‡b my‡ì nvi `xN©mgq a‡i wba©vwiZ _v‡K|

15. Rbve †njv‡ji †kqviwU †Kvb ai‡bi? K mvaviY †kqvi L AMÖvwaKvi †kqvi M wejw¤Z †kqvi N ivBU †kqvi 16. Rbve †njv‡ji weKí wewb‡qvM †ÿÎwU †LuvRvi

KviY Kx? K wZwb `ÿZvi mv‡_ KvR Ki‡Z cvi‡eb L GB †ÿ‡Î Av‡qi wbðqZv i‡q‡Q M mn‡RB g~jab †diZ cvIqv hvq N †jvKmv‡bi SzuwK Kg 17. Mo g~jab e¨q †KvbwUi mv‡_ RwoZ? K SzuwK cwigvc L msiwÿZ Avq M Znwe‡ji Dr‡mi e¨q wbY©q N my‡hvM e¨q 18. fwel¨‡Zi bM` cÖevn‡K eZ©gvb g~‡j¨ iƒcvšÍi

Kiv hvq Kxfv‡e? K bM` cÖevn cÖv°jb L Pµe„w×KiY M g~jab ev‡RwUs N evÆvKiY

19. †`bv-cvIbv wb®úwËi gva¨g wnmv‡e eën„Z nq i. †PK ii. wewbgq wej iii. †WweU KvW©


DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : e¨vswKs eëmvq gybvdvi Avwa‡Kï Kvi‡Y 'Y'

e¨vsK AviI GKwU bZzb kvLv Lyj‡Z Pvq| GRb¨ e¨vsKwU 'X' e¨vs‡Ki AbygwZ PvB‡j e¨vsKwU Zv cÖ`v‡b m¤§Z nq|

20. 'Y' e¨vsKwU †Kvb ai‡bi e¨vsK? K †K› ªxq e¨vsK L evwYwR¨K e¨vsK M wewbgq e¨vsK N we‡kl e¨vsK 21. 'Y' e¨vs‡Ki bZzb kvLv †Lvjvi d‡j

i. 'Y' e¨vs‡K bZzb Kg©ms¯’vb n‡e ii. 'X' e¨vs‡KiI gybvdv e„w× cv‡e iii. RbKj¨vY mvwaZ n‡e


22. e¨vswKs Kvh©µg myôzfv‡e cwiPvjbvi Rb¨ †KvbwU cÖ‡qvRb?

K gybvdv AR©b L Avw_©K m”QjZv M `ÿ Rbkw³ N †MvcbxqZv 23. Avmevec‡Îi eëmvqx g~jab ev‡RwUs Gi

gva¨‡g †Kvb wm×všÍ MÖnY K‡ib? K KvVwgw¯¿i †eZb wba©viY L KvV µq M KvVwgw¯¿i Rb¨ hš¿cvwZ µq N Avmevec‡Îi g~j¨ wba©viY

DÏxcKwU c‡o 24bs cÖ‡kœi DËi `vI : GKRb eëmvqx GKwU †gwkb µq Ki‡Z Pvb|

†gwkbwUi g~j¨ 15,000 UvKv| †gwkbwU eënvi K‡i wZwb AvMvgx 4 eQ‡i evwl©K 5,000 UvKv AvšÍtcÖevn wbwðZ Ki‡Z cvi‡eb|

24. D³ eëmvqxi †c-e¨vK mgq KZ? K 3 eQi L 4 eQi M 5 eQi N 6 eQi

DÏxcKwU c‡o 25bs cÖ‡kœi DËi `vI : Rbve wmivR GKRb e¨vsK Kg©KZ©v| Zvi

e¨vs‡Ki cwiPvjK‡ì m‡e©v”P msL¨v mxgvnxb| Aciw`‡K Rbve iwgR †h e¨vs‡K Kg©iZ †mwU cwiPvjbvq ivóª n¯Í‡ÿc K‡i|

25. Rbve wmivR I Rbve iwg‡Ri Kg©‡ÿ‡Îi wKQy cv_©K¨ n‡jv i. †kqvi Aev‡a n¯ÍvšÍi‡hvM¨Zvq ii. cwiPvj‡Ki msL¨vq iii. gvwjKvbvMZ w`K †_‡K


26. gvbwmKfv‡e Amy ’ e¨w³i mv‡_ e¨vs‡Ki m¤ú‡K©i mgvwß NUvi KviY †KvbwU?

K e¨vs‡Ki ¯^vfvweK Kv‡R weNœ NU‡e L e¨vs‡Ki mybvg ÿzYœ n‡e M Amy¯’ e¨w³i Pzw³ m¤úv`‡bi †hvM¨Zv _v‡K bv N Amy ’ e¨w³ wek„•Ljv m„wó Ki‡e 27. †K› ªxq e¨vsK †`kxq gy ªvi gvb AÿzYœ ivL‡Z

†Póv K‡i Kxfv‡e? K ê‡`wkK gy`ªvi AvMgb wbqš¿Y K‡i L Pvwn`v Abyhvqx gy ªv cÖPjb K‡i M Avg`vwb I ißvwb‡K †`‡ki AbyK‚‡j †i‡L N ê‡`wkK wewbgq wbqš¿Y K‡i 28. †Kvb †kqvigvwjK‡ì `vwe mK‡ji ci †gUv‡bv nq? K ivBU †kqvi L †evbvm †kqvi M wejw¤Z †kqvi N AMÖvwaKvi †kqvi 29. Rbve gymZvCb Pxb †_‡K hš¿cvwZ µ‡qi Rb¨

†mvbvjx e¨vs‡K 40 jÿ UvKvi GKwU Gjwm Ly‡j‡Qb| †mvbvjx e¨vsK Kvi eivei Gjwm Bmy¨ Ki‡e?

K miKvi L gymZvCb M Px‡bi ißvwbKviK N evsjv‡`k e¨vsK 30. †K› ªxq e¨vsK Kxfv‡e evwYwR¨K e¨vsK¸‡jvi

mn‡hvMx wnmv‡e KvR K‡i? K mymsMwVZ wbqgbxwZ Øviv L miKvwi wb‡ ©kbvi gva¨‡g M cwiKíbv ev¯Íevqb K‡i N wewfbœ mvnvh¨ mn‡hvwMZv K‡i



Self test


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1 M 2 K 3 L 4 K 5 L 6 N 7 K 8 K 9 K 10 L 11 K 12 M 13 L 14 M 15 K

16 L 17 M 18 N 19 N 20 L 21 L 22 L 23 M 24 K 25 M 26 M 27 N 28 M 29 M 30 N




Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. wb‡Pi †KvbwU SzuwKhy³ wewb‡qvM? K †UªRvwi wej L e¨vs‡K †gqvw` AvgvbZ M †UªRvwi eÛ N eÛ 2. jf¨vsk mgZvKiY Znwe‡ji gva¨‡g †Kv¤úvwb

i. wb‡R‡ì mybvg AÿzYœ ivL‡Z cv‡i ii. wbqwgZfv‡e jf¨vsk cÖ vb Ki‡Z cv‡i iii. †kqvi‡nvìvi‡ì cÖZ¨vkv c~iY Ki‡Z cv‡i

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 3. evwYwR¨K e¨vs‡Ki Av‡qi Drm †KvbwU? K wbixÿ‡Ki wej L wegv wcÖwgqvg M wej evÆvKiY N eë ’vc‡Ki fvZv 4. KLb ivóªvqË e¨vsK¸‡jvi weivóªxqKiY

cÖwµqv ïiæ nq? K lv‡Ui `k‡K L mË‡ii `k‡K M Avwki `k‡K N beŸB‡qi `k‡K 5. wb‡Pi †KvbwUi Kvi‡Y `ªe¨g~j¨ e„w× cvq? K evwYR¨ NvUwZ L gy`ªvùxwZ M w ’wZkxj ivRbxwZ N Zvij¨ msKU 6. wb‡Pi †KvbwU Øviv PjwZ g~jab eë ’vcbv

Kiv DwPZ? K weµqjä A_© L e¨vsK FY M msiwÿZ Avq N FYcÎ weµq DÏxcKwU c‡o 7 I 8bs cÖ‡kœi DËi `vI : wg. Avwb‡mi GKwU e¨vs‡Ki wZbwU kvLvq

RgvK…Z UvKvi Z_¨ wb¤œiƒc : kvLvi bvg Rgv gybvdv D‡Ëvjb

X 1,00,000 6,000 20,000 Y 1,50,000 - 1,00,000 Z 1,00,000 8% nv‡i -

7. wg. Avwbm 'X' kvLvq †Kvb ai‡bi wnmve †Lv‡jb? K PjwZ L mÂqx M ’vqx N wWwcGm 8. DÏxc‡Ki Z_¨ Abyhvqx

i. wg. Avwbm 'X' kvLv †_‡K mßv‡n yÕev‡ii †ewk UvKv D‡Ëvjb Ki‡Z cvi‡e

ii. wg. Avwbm 'Z' kvLv †_‡K Zzjbvg~jK D”P nv‡i my` cv‡eb

iii. wg. Avwbm 'Y' kvLv †_‡K RgvwZwi³ UvKv D‡Ëvj‡bi my‡hvM cv‡eb

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 9. g~jab ev‡RwUs-Gi AwaKvsk AbygvbB

†KvbwUi Ici wbf©ikxj? K eZ©gv‡bi L AZx‡Zi M fwel¨‡Zi N mgmvgwq‡Ki 10. Avc¨vqb LiP cwi‡kv‡ai AÿgZvq †Kvb

ai‡bi SzuwKi m„wó nq? K Avw_©K L Zvij¨ M my` nv‡ii N eëmvwqK DÏxcKwU c‡o 11bs cÖ‡kœi DËi `vI : wg. Kvgvj GKwU †÷kbvwi †`vKv‡bi gvwjK|

m¤úÖwZ eëmvq m¤úÖmvi‡Yi j‡ÿ¨ wZwb yB jÿ UvKvi GKwU d‡UvKwc †gwkb 5 eQi eënv‡ii Rb¨ GKwU Avw_©K cÖwZôv‡bi mv‡_ Pzw³ K‡ib Ges †m Abyhvqx gvwmK A_© cwi‡kva K‡ib|

11. wg. Kvgv‡ji d‡UvKwc †gwkbwUi A_©vq‡bi Drm †KvbwU?

K FY L FYcÎ M wjwRs N evwYwR¨KcÎ 12. wg. iwe †P‡Ki gva¨‡g GKwU Kw¤úDUvi

µq Ki‡j i. †PKwU wewbg‡qi gva¨g wn‡m‡e KvR Ki‡e ii. †PKwU gy`ªvi weKí wn‡m‡e KvR Ki‡e iii. wg. iwei e¨vsK wnmv‡e A_© n«vm cv‡e

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 13. Znwej mieivnKvixi Rb¨ †hwU cÖZ¨vwkZ

Avq †mwU Znwej msMÖnKvixi Rb¨ Kx wn‡m‡e cwiMwYZ nq?

K g~jab LiP L my‡hvM e¨q M cÖZ¨vwkZ e¨q N cwiPvjb e¨q 14. e¨vs‡Ki mv‡_ MÖvn‡Ki m¤ú‡K©i Aemvb NU‡e hw`

i. MÖvnK Z_¨ †Mvcb K‡i ii. MÖvnK K¨vÝvi †iv‡M AvµvšÍ nq iii. MÖvnK †jb‡`b cwiPvjbv Ki‡Z AcviM nq

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 15. QvcvLvbvi gvwjK wg. KvRj g~jab ev‡RwUs-

Gi mvnv‡h¨ wb‡Pi †Kvb wm×všÍwU wb‡eb? K Qvcv‡bvi hš¿ µq L KvMR µq M KvM‡Ri gvb hvPvB N i‡Oi g~j¨ wba©viY DÏxcKwU c‡o 16 I 17bs cÖ‡kœi DËi `vI : Rbve ivqnvb evwl©K 10% gybvdvq

2,00,000 UvKv ÔKÕ e¨vs‡K Rgv iv‡Lb| Zvi eÜyi cÖ¯Íve wQj H UvKvq Rwg wKb‡j 6 eQi ci Zvi wewb‡qvMK…Z UvKv wØ¸Y n‡e| †m Zvi eÜyi cÖ¯ÍvewU MÖnY K‡ibwb|

16. Rbve ivqnvb 3 eQi ci KZ UvKv gybvdv cv‡eb? K 66,000 L 66,200 M 2,66,000 N 2,66,200 17. DÏxcK Abyhvqx

i. Rwg µ‡qi †ÿ‡Î my‡ì nvi 9% ii. Rbve ivqnv‡bi my‡hvM e¨q 12% iii. Rbve ivqnv‡bi wewb‡qvM wm×všÍ mwVK bq

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 18. wb‡Pi †KvbwU e¨vs‡Ki cÖwZ MÖvn‡Ki `vwqZ¡? K AvgvbZ MÖnY L wb‡`©k cvjb M wnmv‡ei †MvcbxqZv N FY cwi‡kva 19. avZe gy`ªvi eënvi µgk mxwgZ n‡q Avmvi KviY

i. avZzi weKí eënvi ii. avZe c`v‡_©i `y®úÖvc¨Zv iii. avZe gy`ªvi `xN© ¯’vwqZ¡


20. wb‡Pi †Kvb bxwZ eënvi K‡i †K›`ªxq e¨vsK evwYwR¨K e¨vsKmg~‡ni FY wbqš¿Y K‡i?

K Zvij¨ L e¨vsK nvi M wewb‡qvM N wbivcËvi

DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : ABC †Kv¤úvwbi mvaviY †kqv‡ii eZ©gvb

evRvig~j¨ 10 UvKv| cÖwZôvbwU G eQi cÖwZ †kqv‡i 1 UvKv nv‡i jf¨vsk †NvlYv K‡i| AZxZ †iKW© ch©v‡jvPbv K‡i †`Lv hvq †Kv¤úvwbi jf¨vsk M‡o 10% e„w× cvq|

21. ABC †Kv¤úvwbi mvaviY †kqv‡ii g~jab e¨q KZ? K 10% L 11% M 20% N 21% 22. ABC †Kv¤úvwb †Kvb bxwZ AbymiY K‡i

jf¨vsk cÖ`vb K‡i? K w¯’wZkxj UvKv jf¨vsk L we‡kl jf¨vsk M jf¨vsk cÖ`vb AbycvZ N w ’i nv‡i jf¨vsk mv‡_ AwZwi³ jf¨vsk 23. ÔKÕ e¨vs‡Ki GKwU †PK ÔLÕ e¨vs‡K Rgvi

gva¨‡g A_© msMÖn Ki‡j †K›`ªxq e¨vs‡Ki †Kvb KvRwU m¤úbœ n‡e?

K Znwej msiÿY L Dc‡`óv M wbKvkNi N FY wbqš¿Y 24. evsjv‡`k e¨vs‡Ki wbe©vnx cÖavb †K? K Mfb©i L gnveë¯’vcK M †WcywU Mfb©i N cwiPvjK 25. evwYR¨ NvUwZ †`Lv hvq †Kvb ai‡bi A_©vq‡b? K AvšÍR©vwZK L eëmvq M miKvwi N cvwievwiK 26. wb‡Pi †KvbwU ¯^í‡gqvw` A_©vq‡bi

cÖvwZôvwbK Drm? K evwYwR¨KcÎ L MÖvg¨ gnvRb M gRy` gvj eÜwKKiY N cÖ‡`q wej 27. AwbðqZv I SzuwK Gov‡bvi Rb¨ wewb‡qv‡Mi

†ÿ‡Î e¨vs‡Ki †Kvb bxwZ †g‡b Pjv evÃbxq? K mybv‡gi L mZZvi M mveavbZvi N wgZe¨wqZvi 28. A_© wewb‡qvM bv Ki‡j †KvbwU m„wó nq? K my‡hvM e¨q L gybvdv M PjwZ e¨q N `vq DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI : Rbve gvkivwd `ywU †Kv¤úvwb‡Z wewb‡qvM

K‡i‡Qb| ÔKÕ †Kv¤úvwbi 5 KvVv Rwgi wecix‡Z wewb‡qvMK…Z A_© wZwb 3 eQi ci †diZ cv‡eb| ÔLÕ †Kv¤úvwbi wewb‡qvM †_‡K MZ K‡qK eQi †Kv‡bv Avq bv †c‡jI GB †Kv¤úvwbi cwiPvjbvmsµvšÍ wel‡q wZwb gZvgZ w`‡Z cv‡ib|

29. ÔKÕ †Kv¤úvwb‡Z Rbve gvkivwdi wewb‡qv‡Mi †ÿÎ †KvbwU?

K eÛ L wW‡eÂvi M mvaviY †kqvi N AMÖvwaKvi †kqvi 30. DÏxc‡Ki Z_¨ Abyhvqx K Rbve gvkivwd ÔKÕ I ÔLÕ `ywU

†Kv¤úvwbi gvwjK L `ywU †Kv¤úvwbi m¤úwË‡Z Rbve

gvkivwdi `vwe GKB cÖK…wZi M ÔLÕ †Kv¤úvwb‡Z wewb‡qvM ÔKÕ

†Kv¤úvwb n‡Z AwaK SzuwKc~Y© N ÔLÕ †Kv¤úvwbi Aemvq‡b gvkivwdi

`vwe me©v‡MÖ c~iY Kiv n‡e



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21 h‡kvi †evW© 2019



1. evwYwR¨K e¨vsK wewbg‡qi gva¨g wn‡m‡e cÖPjb K‡i †KvbwU?

K wW‡eÂvi L mÂqcÎ M cÖvBR eÛ N ûwÛ 2. evwYwR¨K e¨vs‡Ki e¨‡qi LvZ †KvbwU? K cÖZ¨qcÎ L wegv wcÖwgqvg M jKvi fvov N wej evÆvKiY 3. nvwee mv‡ne n‡R hvIqvi wbqZ Ki‡jb

Ges cÖwZ gv‡m 5,000 UvKv K‡i Rgv‡Z PvB‡jb| Zvi Rb¨ Dchy³ wnmve Lyj‡Z n‡e wb‡Pi †KvbwU?

K mÂqx wnmve L wegv mÂqx wnmve M wW‡cvwRU †cbkb w¯‹g wnmve N †iwm‡W›U d‡ib Kv‡iwÝ wW‡cvwRU wnmve 4. AvaywbK I B‡jKUªwbK e¨vswKs eë ’v

i. GmGgGm e¨vswKs ii. cÖZ¨šÍ AÂ‡j ¯^í mg‡q A_© ¯’vbvšÍi Kiv hvq iii. Gi †mev evsjv‡`‡k m¯Ív I mnRjf¨


5. e¨vswKs eëmv‡qi g~jgš¿ Kx? K Pzw³e× m¤úK© L mZZv I wbôv M AvBbMZ I †MvcbxqZv N Av¯’v I wek¦vm 6. K…lK‡ì mvnvh¨v‡_© †K›`ªxq e¨vsK cÖZ¨ÿ

wbqš¿‡Y †hme KvR K‡i Zv n‡jv i. my`wenxb FY cÖ`vb ii. K…wl e¨vsK ¯’vcb iii. K…wl FY Kvh©µg MÖnY


7. wewb‡qvM e¨vs‡Ki KvR Kx? K ê‡`wkK gy`ªv wewbgq L G·‡cvU© wdb¨vÝ M weªR wdb¨vÝ N KviLvbv wdb¨vÝ 8. evsjv‡`k e¨vs‡Ki †WcywU Mfb©‡ii msL¨v K 2 Rb L 4 Rb M 6 Rb N 8 Rb 9. †kqvi µq-weµ‡qi cÖwZôvbwU Kx bv‡g cwiwPZ? K †kqvievRvi L †m‡KÛvwi evRvi M ÷K G·‡PÄ N wmwKDwiwU G·‡PÄ 10. 'XL' †Kv¤úvwb 15% my‡ì nv‡i e¨vsK

†_‡K FY MÖnY K‡i| Ki nvi 50% n‡j, FY g~jawb e¨q KZ?

K 1.50% L 5.00% M 7.50% N 8.50% 11. 20,000 UvKv wewb‡qvM K‡i †Kvb cÖKí

n‡Z AvMvgx 6 eQi 4,000 UvKv K‡i AvšÍtcÖevn cÖv°jb Kiv n‡j, cÖKíwUi †c-e¨vK mgq KZ n‡e?

K 3 eQi L 4 eQi M 5 eQi N 6 eQi

12. gyw³hy‡×i cieZ©x mg‡q evsjv‡`‡k wewfbœ e¨vs‡Ki †gvU KZwU kvLv Kg©iZ wQj?

K 1,090wU L 1,190wU M 1,290wU N 1,390wU 13. fviZ AÂ‡j cÖ_g AvaywbK e¨vs‡Ki bvg K e¨vsK Ae BwÛqv L wiRvf© e¨vsK Ae BwÛqv M w` wn› y¯Ívb e¨vsK N †÷U e¨vsK Ae BwÛqv 14. e¨vs‡Ki gvwjK I eë ’vcbv KZ…©c‡ÿi

†cÖÿvc‡U e¨vs‡Ki D‡Ïk¨vewj n‡jv i. g~jab MVb ii. mybvg AR©b iii. mvgvwRK Ae`vb


DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : AwgZ Px‡b covïbv Ki‡Z wM‡q †`Lj,

†mLv‡b wkÿv_©x‡ì mÂ‡qi Rb¨ GKwU we‡kl e¨vsK mÂq ev· mieivn K‡i| wkÿv_©xiv G‡Z UvKv-cqmv Rgv K‡i _v‡K|

15. GLv‡b †Kvb e¨vs‡Ki w`‡K Bw½Z Kiv n‡q‡Q? K wewb‡qvM e¨vsK L ÷z‡W›U e¨vsK M †fv³v‡ì e¨vsK N ¯‹zj e¨vsK 16. DÏxc‡Ki Bw½ZK…Z e¨vsK m¤úwK©Z Av‡iv

Z_¨ n‡jv i. Avgv‡ì †`‡k Gi RbwcÖqZv e¨vcK ii. Avgv‡ì †`‡k 1960 mv‡j G e¨vsK

cÖwZwôZ n‡qwQj iii. QvÎQvÎxMY Gi MÖvnK


17. ÔAv`k© wePz¨wZÕ eënvi K‡i SzuwK cwigvc Kivi c×wZwU †Kvb c×wZ?

K wnmveweÁvwbK L wdb¨vwÝK M cwimsL¨vwbK N MvwYwZK 18.

eQi Avq% 1g 10 2q 13 3q 16

Dc‡ii mviwYi Av‡jv‡K Mo Avq KZ n‡e? K 10% L 11% M 12% N 13% 19. `xN©‡gqvw` wewb‡qvM wm×v‡šÍi Ici wbf©i

K‡i i. eëmvq cÖwZôv‡bi cwiKíbv ii. eëmvq cÖwZôv‡bi mvdj¨ iii. eëmvq cÖwZôv‡bi wU‡K _vKv


20. GKRb Kgjvi Rym cÖ¯‘ZKvixi Kgjvi Ry‡mi cvkvcvwk Avg I Av½y‡ii Rym evRv‡i cÖPj‡bi †ÿ‡Î †hme wm×všÍ wb‡Z

n‡e, Zv n‡jv i. m¤¢ve¨ bM` cÖevn ii. c‡Yï Drcv`b LiP iii. c‡Yï Dc‡hvwMZv


21. cvewjK wj. †Kv¤úvwb mvaviYZ `xN©‡gqvw` wewb‡qvM my‡hvM ev Íevq‡bi Rb¨ cÖ‡qvRbxq A_© KqwU Drm †_‡K msMÖn K‡i?

K 2 L 4 M 6 N 8 22. wb‡Pi †KvbwUi êwkó¨ Avjv`v? K cyÄxf‚Z gybvdv L AewÈZ gybvdv M msiwÿZ Znwej N †kqvi g~jab 23. AMÖvwaKvi †kqvi weµq †Kvb ai‡bi Znwej? K Af¨šÍixY L AewÈZ M ewn¯’ N mwÂwZ 24. miKv‡ii FY MÖn‡Yi Drm †KvbwU? K ADB L ICB M PPP N BCIC 25. wb‡Pi †Kvb cÖwZôvbwUi A_©vqb cÖwµqv

wfbœ ai‡bi? K ÔLvbÕ †nv‡Uj A¨vÛ †i÷z‡i›U L ÔmLÕ eywUK kc M ÔkvcjvÕ mgevq mwgwZ N †Kvwnbyi †KwgK¨vjm wj.

26. SzuwKi m„wó nq i. mvgvwRK †cÖÿvc‡Ui cwieZ©‡b ii. AvKw¯§K `yN©Ubvi Kvi‡Y iii. evRv‡i bZzb c‡Yï Dcw ’wZ‡Z


27. av‡c av‡c D‡Ïk¨ AR©‡bi wfwË‡Z cÖ`vb Kiv nq †Kvb FY?

K K…wl FY L wkí FY M wkÿv FY N M‡elYv FY 28. e¨vsK F‡Yi êwkó¨ KqwU? K 2 L 3 M 4 N 5

DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI : wg. AvwkK DËiv e¨vsK †_‡K 7% nv‡i

ˆÎgvwmK Pµe„w×‡Z 4,000 UvKv FY wb‡jb| 29. wg. AvwkK‡K 5 eQi ci KZ UvKv †diZ

w`‡Z n‡e? K 4,362 UvKv L 4,927 UvKv M 5,189 UvKv N 5,659 UvKv 30. wg. Avwk‡Ki cÖK…Z my‡ì nvi KZ n‡e? K 17.19% L 17.29% M 28.19% N 31.08%



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16 L 17 M 18 N 19 M 20 K 21 L 22 N 23 M 24 K 25 N 26 N 27 K 28 L 29 N 30 N





1. †Kvb ai‡bi e¨vsK wbKvkNi myweav cvq? K †K›`ªxq e¨vsK L evwYwR¨K e¨vsK M ZvwjKvfz³ e¨vsK N we‡`wk e¨vsK 2. evwYwR¨K e¨vs‡Ki D‡Ïk¨ n‡jv

i. wewbg‡qi gva¨g m„wó Kiv ii. AwaK gybvdv AR©b Kiv iii. FY AvgvbZ m„wó Kiv

wb‡Pi †KvbwU mwVK? K i L ii M i I ii N i, ii I iii 3. bM` †jb‡`‡bi Rb¨ †Kvb ai‡bi wnmve

myweavRbK? K PjwZ L mÂqx M ’vqx N FY AvgvbwZ 4. e¨vsK Kxfv‡e AvgvbZ msMÖn K‡i? K †jb‡`‡bi gva¨‡g L wewb‡qv‡Mi gva¨‡g M wewfbœ ai‡bi wnmv‡ei gva¨‡g N cwi‡kvwaZ g~ja‡bi gva¨‡g DÏxcKwU c‡o 5 I 6bs cÖ‡kœi DËi `vI : Rbve wigb fzqv KvMRcÎ w`‡q 'K' e¨vsK

†_‡K 10 jÿ UvKv FY MÖnY K‡ib| cieZ©x‡Z e¨vsK D³ cÖZviYvi K_v Rvb‡Z cv‡i Ges wig‡bi mv‡_ m¤ú‡K©i Aemvb NUv‡bvi wm×všÍ †bq|

5. FY`v‡bi gva¨‡g GLv‡b 'K' e¨vsK K †WUi L †µwWUi M MÖvn‡Ki AwQ N g‡°j 6. wK‡mi wfwË‡Z 'K' e¨vsK wig‡bi mv‡_

m¤úK© wQbœ Kivi wm×všÍ †bq? K Av`vj‡Zi Av‡`‡k L †K› ªxq e¨vs‡Ki wb‡`©‡k M e¨vs‡Ki wbR¯^ wm×v‡šÍ N g‡°‡ji wm×v‡šÍi wfwË‡Z 7. wgkv †jLvcov †kl K‡i Ggb GK e¨vs‡K

KvR Ki‡Z Pvq †h e¨vsK Ab¨vb¨ e¨vs‡Ki e¨vsKvi wn‡m‡e KvR K‡i| GLv‡b †Kvb e¨vs‡Ki K_v ejv n‡q‡Q?

K †mvbvjx e¨vsK L evsjv‡`k e¨vsK M cÖvBg e¨vsK N K…wl e¨vsK 8. wb‡Pi †KvbwU SzuwKc~Y© wewb‡qvM? K mvaviY †kqvi µq L AMÖvwaKv‡i †kqvi µq M FYcÎ µq N eÛ µq 9. wejw¤^Z †kqvigvwjK Kviv? K cvIbv`viMY L e¨vsKviMY M cÖeZ©KMY N cwiPvjKMY 10. evsjv‡`‡k †gvU †kqvievRvi KqwU? K 1 L 2 M 3 N 4 DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI : Rbve wjqvKZ Ggb GKwU e¨vs‡K PvKwi

K‡ib hv mvaviY e¨vswKs Kvh©Kjv‡ci cvkvcvwk m¤úÖwZ AbjvBb †mev Pvjy

K‡i‡Q| wKš‘ m¤úÖwZ e¨vsKwU‡Z A_©‰bwZK Kvi‡Y Zvij¨ msKU †`Lv w`‡q‡Q|

11. DÏxc‡K ewY©Z e¨vsKwU †Kvb ai‡bi? K GKK L kvLv M †PBb N MÖæc 12. e¨vsKwU‡Z Zvij¨ msKU †`Lv †Ìqvi KviY

i. bZzb AvgvbZ Kg Rgv nIqv ii. cÖ`Ë F‡Yi UvKv mwVKfv‡e Av`vq nIqv iii. wgZe¨wqZvi bxwZ AbymiY bv Kiv


M ii I iii N i, ii I iii 13. wb‡Pi †KvbwU e¨vsK eë¯’vi Rbbx? K gy`ªv L †PK M MÖvnK N wnmve 14. gy`ªv n‡jv

i. c‡Yï g~j¨ wba©viK ii. mK‡ji wbKU MÖnY‡hvM¨ iii. mÂ‡qi evnb wn‡m‡e we‡ewPZ


M ii I iii N i, ii I iii 15. SzuwK eë ’vcbvi Rb¨ cÖ_‡g Lyu‡R †ei Kiv

cÖ‡qvRb K SzuwKi Drm L SzuwKi KviY M SzuwKi ZxeªZv N SzuwKi †gqv`

DÏxcKwU c‡o 16 I 17bs cÖ‡kœi DËi `vI : Rbve wkK`vi GKRb QvZv cÖ¯‘ZKviK|

GB eQi wZwb AwaK gybvdvi Avkvq cÖPzi QvZv Drcv`b K‡ib| wKš‘ Abve„wói Kvi‡Y QvZvi Pvwn`v Kg _vKvq wZwb Avw_©K ÿwZi m¤§yLxb nb|

16. DÏxc‡K Rbve wkK`vi †Kvb ai‡bi SzuwKi m¤§yLxb nb?

K Avw_©K L Zvij¨ M my‡ì nvi N eëmvwqK 17. D³ SzuwK hyw³m½Zfv‡e n«vm Kivi cš’v

n‡jv K eëmvq cwieZ©b Kiv L weKí cY¨ cÖ ‘Z M ¯í cY¨ Drcv`b N QvZvi g~j¨ e„w× 18. `xN©‡gqvw` wewb‡qvM wm×v‡šÍi Ici wbf©i

K‡i i. eëmvq cÖwZôv‡bi mvdj¨ ii. eëmvq cÖwZôv‡bi cwiKíbv iii. eëmvq cÖwZôv‡bi wU‡K _vKv


M ii I iii N i, ii I iii 19. wb‡Pi †KvbwU bM` cÖevn e„w×i mv‡_ RwoZ? K bM` weµq L bM` µq M wegv LiP N Kg©x‡ì †eZb

20. 'Y' †Kvs wj.-Gi bxwZ n‡jv GB eQi 10% jf¨vsk w`‡j AvMvgx eQiI 10% jf¨vsk w`‡e| GwU †Kvb ai‡bi g~jab e¨q?

K MvwYwZK nv‡i jf¨vsk e„w× L k~b¨ jf¨vsk e„w× M evÆvK…Z nv‡i jf¨vsk e„w× N w ’i nv‡i jf¨vsk e„w× 21. Sobv e¨vsK wj.-Gi cwi‡kvwaZ g~jab

400 †KvwU UvKv, mwÂwZ Znwej 100 †KvwU UvKv, AvgvbZ 800 †KvwU UvKv Ges FY 200 †KvwU UvKv| GLv‡b Sobv e¨vs‡Ki Znwe‡ji cÖavb Drm †KvbwU?

K cwi‡kvwaZ g~jab L mwÂwZ Znwej M AvgvbZ N FY 22. evsjv‡`k e¨vs‡Ki cÖavb †K? K Mfb©i L A_© mwPe M cwiPvjK N gnveë¯’vcK 23. FY wbqš¿Y †K›`ªxq e¨vs‡Ki †Kvb ai‡bi KvR? K mvaviY KvR L miKv‡ii e¨vsK wn‡m‡e KvR M Ab¨vb¨ e¨vs‡Ki e¨vsKvi wn‡m‡e KvR N wewea KvR 24. wb‡Pi †KvbwU miKvwi A_©vq‡b Av‡qi Drm? K cÖvc¨ wej L †UªRvwi wej M wewbgq wej N cÖ‡`q wej 25. cvwievwiK A_©vqb cÖwµqvq †KvbwU Abycw¯’Z? K Drm wba©viY L Znwej msMÖn M gybvdv AR©b N eënvi cÖwµqv 26. wb‡Pi †KvbwU A_©vq‡bi gybvdvwfwËK Drm? K FYcÎ L e¨vsK FY M AewÈZ gybvdv N wjwRs 27. Rbve kvnxb GKwU bZzb KviLvbv ¯’vc‡bi

Rb¨ MÖxb e¨vsK †_‡K 15 eQi †gqv‡ì wfwË‡Z 20,00,000 UvKv FY MÖnY K‡ib| Zvi M„nxZ F‡Yi Drm †Kvb ai‡bi?

K ¯í‡gqvw` cÖvwZôvwbK L ¯í‡gqvw` AcÖvwZôvwbK M `xN©‡gqvw` cÖvwZôvwbK N `xN©‡gqvw` AcÖvwZôvwbK 28. wb‡Pi †Kvb c‡ÿi `vq mevi Av‡M

cwi‡kva Kiv nq? K AMÖvwaKvi †kqvi‡nvìvi‡ì L wW‡eÂvi gvwjK‡ì M eÛ wewb‡qvMKvix‡ì N mvaviY †kqvi‡nvìvi‡ì 29. A_©vq‡b cÖwZwU wm×všÍ wK‡mi wfwË‡Z

M„nxZ nq? K A‡_©i mgqg~j¨ L mvsMVwbK KvVv‡gv M gvbem¤ú` `ÿZv N Avw_©K cwiKíbv 30. ïay Avm‡ji Ici †h my` MYbv Kiv nq

Zv‡K e‡j K †gvU my` L wbU my` M mij my` N Pµe„w× my`



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welq †KvW : 1 5 2 mgq30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb30 [we‡kl ªóe¨ : mieivnK…Z eûwbe©vPwb Afxÿvi DËic‡Î cÖ‡kœi µwgK b¤‡ii wecix‡Z cÖ`Ë eY©msewjZ e„Ëmg~n n‡Z mwVK/ m‡e©vrK…ó DË‡ii e„ËwU ej c‡q›U Kjg


1. cvewjK wjwg‡UW †Kv¤úvwbi gybvdv jf¨vsk wnmv‡e Kv‡ì g‡a¨ ewÈZ nq?

K RbM‡Yi L †kqvi‡nvìvi‡ì M Askx`vi‡ì N m`m¨‡ì 2. evwYR¨ NvUwZ c~i‡Yi †ÿ‡Î ¸iæZ¡c~Y© f‚wgKv

iv‡L †KvbwU? K AvqKi L †iwg‡UÝ M ê‡`wkK mvnvh¨ N ê‡`wkK FY

DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : A‡jvK mv‡ne Zvi ˆcwÎK m¤úwË wewµ K‡i

Kvc‡oi eëmvq ïiæ K‡ib| m¤úÖwZ eëmvq m¤úÖmviY Kivi Rb¨ wZwb cÖevmx fvB‡qi wbKU †_‡K 1,50,000 UvKv avi †bb| GQvov cÖwZôv‡bi Kv‡Ri cÖ‡qvR‡b 3 eQ‡ii Rb¨ GKwU wgwb UªvK jvM‡e hvi g~j¨ 1,00,000 UvKv, hv µq Kiv Zvi c‡ÿ m¤¢e bq| GRb¨ wZwb GKwU Avw_©K cÖwZôv‡bi mv‡_ Pzw³ K‡i‡Qb| Pzw³ Abyhvqx gvwmK A_© cwi‡kv‡ai wfwË‡Z H cÖwZôvbwUi UªvK eënvi Ki‡eb|

3. DÏxc‡K DwjøwLZ A_©vq‡bi Drm n‡”Q i. Af¨šÍixY ii. ewnt¯’ iii. ê‡`wkK


4. UªvK eënv‡ii DrmwU we‡ePbv Kivi †hŠw³KZv n‡”Q i. `xN©‡gqvw` g~ja‡bi ¯^íZv ii. mwÂwZ Znwej eënv‡ii cÖ‡qvRb nq bv iii. my` cÖ vb n‡Z Ae¨vnwZ


5. AwbðqZvi †h AskUzKz cwigvc Kiv nq Zv Kx Øviv cÖKvk Kiv nq?

K cÖZ¨vwkZ Avq L cÖK…Z Avq M SzuwK N wePz¨wZ 6. †Kv¤úvwb †`Dwjqv nq Kx Kvi‡Y? K eëmvwqK SzuwK †ewk n‡j L Avw_©K SzuwK †ewk n‡j M my‡ì nvi SzuwKi Kvi‡Y N `vq cwi‡kv‡a e¨_© n‡j 7. my‡hvM e¨q‡K A_©vq‡b Kx ejv nq? K AvšÍtcÖevn L ewntcÖevn M mgqg~j¨ N wewb‡qvM wm×všÍ 8. †Kvb Lv‡Z wewb‡qv‡Mi my‡hvM me‡P‡q †ewk? K eÛ L wW‡eÂvi M mvaviY †kqvi N AMÖvwaKvi †kqvi 9. Avw_©K SzuwK m„wó nq Kxfv‡e? K `vq cwi‡kv‡ai AÿgZv †_‡K L Af¨šÍixY Drm †_‡K FY msMÖn Ki‡j M cwiPvjbv LiP cwi‡kv‡ai AÿgZv †_‡K N FY MÖnY †_‡K weiZ _vK‡j 10. g~jab ev‡RwUs-Gi e¨_©Zvi `vqfvi wb‡Z nq

Kv‡K? K FY`vZv‡K L A_© eë ’vcK‡K M A_© wewb‡qvMKvix‡K N cÖwZôv‡b wb‡qvwRZ Kg©x‡K

DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI : Rvwgj mv‡n‡ei eëmv‡qi †gvU g~jab 1 †KvwU

UvKv, hvi 60% wbR¯^ Ges Aewkóvsk 15% FY| wZwb 20% gybvdvq wewb‡qvM myweav †c‡q g~jab KvVv‡gv cwieZ©b K‡ib| d‡j FY I wbR¯^ Znwe‡ji wecixZ m¤úK© m„wó nq|

11. eZ©gv‡b Rvwg‡ji eëmv‡qi FYg~jab KZ? K 15 jÿ L 40 jÿ M 60 jÿ N 75 jÿ 12. g~jab KvVv‡gv cwieZ©‡b Rvwgj we‡ePbv

K‡i‡Qb i. Znwe‡ji my‡hvM e¨q ii. Mo g~jab e¨q iii. me©wb¤œ g~jab e¨q


13. eëmv‡q cY¨ êwPÎ¨vqb Ki‡j K e¨vsK FY †ewk cv‡e L c‡Yï gvb DbœZ n‡e M mybvg evo‡e N weµq e„w× I SzuwK n«vm cv‡e 14. GKRb `wR© †`vKvb`vi Zvi ˆ`bw›`b LiP¸‡jv

¯^í‡gqvw` Znwej †_‡K wbe©vn K‡i _v‡Kb| G‡ÿ‡Î wZwb A_©vq‡bi †Kvb bxwZ AbymiY K‡ib?

K Zvij¨ bxwZ L Dchy³Zvi bxwZ M gybvdvi bxwZ N êwPÎ¨vqb bxwZ 15. wW‡eÂv‡ii myweav †KvbwU? K wbw`©ó mgq L †fv‡Ui AwaKvi M RvgvbZnxbZv N AwaK jvf 16. AvdRvj A¨vÛ †Kvs-Gi bM` cÖevn 1 †KvwU

UvKv Ges wbU gybvdv 80 jÿ UvKv| D³ †Kv¤úvwbi AeP‡qi cwigvY KZ?

K 20 jÿ L 30 jÿ M 40 jÿ N 50 jÿ 17. KvMwR gy`ªv cÖPj‡bi KviY wQj

i. `ª‡eï gvb ii. ª‡eï IRb iii. `ª‡eï gRy`‡hvM¨Zv


18. 'Bancus' Kx ai‡bi kã?

K dviwm L cÖvPxb j¨vwUb M BUvwjqvb N Bs‡iwR DÏxcKwU c‡o 19bs cÖ‡kœi DËi `vI : dwUK eveyi Rb¨ ÔgybÕ e¨vsK n‡Z 5,00,000

UvKv FY gÄyi nIqvi ci e¨vsK eë¯’vcK Zv‡K AÎ e¨vsK †_‡K 3wU †P‡Ki gva¨‡g A_© D‡Ëvjb Ki‡Z e‡jb|

19. e¨vsK eë ’vc‡Ki wb‡ ©kbvi d‡j ÔgybÕ e¨vs‡Ki †Kvb KvRwU m¤úv`b n‡e?

K FY AvgvbZ m„wó L A‡_©i wbivcËv cÖ`vb M wewbgq gva¨g m„wó N g~jab MVb 20. †Kvb cwiw ’wZ‡Z e¨vsK wb‡RB MÖvn‡Ki mv‡_

m¤ú‡K©i Aemvb NUv‡Z cv‡i? K MÖvnK mZZvi bxwZ †g‡b bv Pj‡j L wnmv‡ei c~Y© †Ri ’vbvšÍi Ki‡j M Mviwbwk AW©vi Rvwi Ki‡j N fzj †evSveywSi Kvi‡Y

21. e¨vsK eë ’vi cÖ‡qvRbxqZv †`Lv †`q KLb? K evwYR¨ cÖPj‡bi ci L †jb‡`b cÖPj‡bi ci M gy`ªv cÖPj‡bi ci N wewbgq cÖ_v cÖPj‡bi ci DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : kvgxg GKRb cvU eëmvqx| eëmvwqK

cÖ‡qvR‡b Zv‡K cÖwZw`b e¨vs‡K †h‡Z nq| wZwb eZ©gv‡b bM` A‡_© †jb‡`b bv K‡i e¨vs‡Ki gva¨‡g hveZxq †jb‡`b m¤úbœ K‡ib|

22. kvgxg †Kvb ai‡bi e¨vs‡K wnmve Ly‡j‡Qb? K K…wl e¨vsK L evwYwR¨K e¨vsK M mÂqx e¨vsK N wewbgq e¨vsK 23. kvgxg †h e¨vs‡Ki gva¨‡g ˆ`bw›`b †jb‡`b

m¤úbœ K‡ib MÖvn‡Ki †cÖÿvc‡U D³ e¨vs‡Ki D‡Ïk¨ n‡Z cv‡i i. gy ªvevRvi wbqš¿Y ii. AvgvbZ MÖnY iii. A_© ¯’vbvšÍi


24. e¨vsK I Zvi MÖvn‡Ki g‡a¨ †Kvb ai‡bi m¤úK© we`¨gvb?

K Askx`vwi‡Z¡i L cÖwZwbwai M gybvdvwfwËK N eÜK`vZv I MÖnxZv 25. †Kvb wnmv‡e RgvwZwi³ UvKv D‡Ëvjb Kiv

hvq? K PjwZ wnmve L mÂqx wnmve M ¯’vqx wnmve N wegv mÂqx wnmve 26. evwYwR¨K e¨vs‡Ki Znwe‡ji ¸iæZ¡c~Y© evwn¨K

Drm †KvbwU? K avi MÖnY L msiwÿZ Znwej M cwi‡kvwaZ g~jab N AvgvbZ MÖnY 27. †Kvb e¨vsK ê‡`wkK gy ªvi AvMgb I wbM©gb

wbqš¿Y K‡i? K evwYwR¨K e¨vsK L Avg`vwb I ißvwb e¨vsK M evsjv‡`k e¨vsK N wewbgq e¨vsK DÏxcKwU c‡o 28bs cÖ‡kœi DËi `vI : Rbve Kv‡`‡ii wbKU †_‡K cvIbv eve` ÔKÕ

e¨vs‡Ki GKwU †PK Rbve cjøe Zvi ÔLÕ e¨vs‡K Rgv †`b| ÔLÕ e¨vsK ÔMÕ e¨vs‡Ki gva¨‡g cjø‡ei wnmv‡e A_© Rgv K‡i|

28. GLv‡b ÔMÕ e¨vs‡Ki KvRwU n‡”Q K FY wbqš¿Y L wbKvk N‡ii M AvgvbZ MÖnY N g~jab MVb 29. e¨vsK Kxfv‡e AvšÍR©vwZK evwY‡Rï cÖmvi

NUvq? K A_©‰bwZK Dbœq‡b mvnvh¨ K‡i L ê‡`wkK gy`ªv AR©b K‡i M wewb‡qv‡Mi my‡hvM m„wó K‡i N Avg`vwb-ißvwb evwY‡R¨ AskMÖnY 30. ê‡`wkK wewbgq wbqš¿‡Y †K› ªxq e¨vs‡Ki

Kvh©vewj n‡jv i. †`kxq gy`ªvi m¤§vbRbK nvi m„wó ii. ê‡`wkK gy ªvi gvb e„w× iii. gy ªvi ê‡`wkK g~j¨ wbqš¿Y




Self test


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1 L 2 L 3 K 4 N 5 M 6 N 7 M 8 M 9 K 10 L 11 M 12 N 13 N 14 L 15 K

16 K 17 M 18 L 19 K 20 K 21 M 22 L 23 M 24 N 25 K 26 N 27 M 28 L 29 N 30 L


24 wm‡jU †evW© 2019



1. e¨vswKs eëmv‡qi g~jgš¿ Kx? K †MvcbxqZv L Av¯’v I wek¦vm M Pzw³e× m¤úK© N AwaK FY`vb 2. †Kvb B‡jKUªwbK e¨vswKs c‡Yï Rb¨

e¨vs‡K wnmve _vKvi Avek¨KZv †bB? K B›Uvi‡bU e¨vswKs L GwbeªvÂ e¨vswKs M GwUGg N †WweU KvW© I †µwWU KvW© DÏxcKwU c‡o 3bs cÖ‡kœi DËi `vI : Rbve AwjD‡ji wbKU †_‡K cvIbv eve`

ÔKÕ e¨vs‡Ki GKwU †PK Rbve wmwÏK Zvi ÔLÕ e¨vs‡K Rgv †`b| ÔLÕ e¨vsK ÔMÕ e¨vs‡Ki gva¨‡g wmwÏ‡Ki wnmv‡e A_© Rgv K‡i|

3. DÏxc‡K ÔMÕ e¨vs‡Ki KvRwU n‡”Q K FY wbqš¿Y L AvgvbZ MÖnY M wbKvk N‡ii N g~jab MVb 4. cwiPvjbv LiP cwi‡kv‡ai AÿgZv †_‡K

†Kvb ai‡bi SzuwKi m„wó nq? K eëmvwqK SzuwK L Avw_©K SzuwK M my` nv‡ii SzuwK N Zvij¨ SzuwK 5. †KvbwU Gov‡bvi Rb¨ e¨vs‡Ki mveavbZvi

bxwZ †g‡b Pjv DwPZ? K AvgvbZ msMÖn L †PK Aby‡gv`b M AwbðqZv I SzuwK N wnmve wbixÿv 6. wb‡Pi †Kvb †PKwU‡Z ÔcÖvc‡Ki wnmv‡e

†`qÕ A_ev ÔA¨vÛ †KvsÕ †jLv _v‡K? K ûKzg †PK L evnK †PK M `vMKvUv †PK N Aby‡gvw`Z †PK 7. GKwU †Kv¤úvwbi wbU gybvdv 8 jÿ UvKv,

AePq 3 jÿ UvKv n‡j, bM` AvšÍtcÖevn KZ? K 5 jÿ UvKv L 5.5 jÿ UvKv M 8 jÿ UvKv N 11 jÿ UvKv 8. miKvwi A_©vq‡bi g~j jÿ¨ Kx? K gybvdv AR©b L mgvRKj¨vY M mvdj¨ AR©b N mybvg AR©b 9. †Kv‡bv cÖwZôv‡b AMÖvwaKvi †kqvi gvwjK‡ì

jf¨vs‡ki cÖK…wZ Kxiƒc? K Awbw`©ó nv‡i wbw`©ó mg‡qi Rb¨ L wbw`©ó nv‡i Awbw`©ó mg‡qi Rb¨ M Awbw`©ó nv‡i Awbw`©ó mg‡qi Rb¨ N wbw`©ó nv‡i wbw`©ó mg‡qi Rb¨ 10. evÆvnvi cÖ‡qvRb nq †Kb? K fwel¨r bM` cÖevn‡K eZ©gvb g~‡j¨

iƒcvšÍi Ki‡Z L bM` cÖevn cÖv°jb Ki‡Z M eZ©gvb g~j¨‡K fwel¨r g~‡j¨ iƒcvšÍi Ki‡Z N cÖK‡íi Avq-e¨q wbY©q Ki‡Z DÏxcKwU c‡o 11 I 12bs cÖ‡kœi DËi `vI : gwbi mv‡ne †QvU cwim‡i GKwU gyiwMi

Lvgvi cwiPvjbv Ki‡Zb| cuvP gvm c~‡e© Zvi gvgvi KvQ †_‡K UvKv avi wb‡q wZwb GKwU Miæi Lvgvi ˆZwi K‡ib| Rbve gwbi Lvgvi †_‡K cÖvß Av‡qi A‡a©K cÖwZw`b e¨vs‡K Rgv iv‡Lb Ges evwK UvKv w`‡q ˆ`bw›`b LiP

wbe©vn K‡ib| m¤úÖwZ gwb‡ii gvgv UvKv †diZ PvB‡j wZwb †`L‡jb e¨vs‡Ki RgvK…Z UvKv w`‡q gvgvi FY cwi‡kva Kiv hv‡”Q bv| Kxfv‡e UvKv cwi‡kva Kiv hvq Zv wb‡q wZwb †ek wPwšÍZ|

11. DÏxc‡K †Kvb ai‡bi A_©vq‡bi K_v ejv n‡q‡Q? K Af¨šÍixY L `xN©‡gqvw` M ¯í‡gqvw` N cÖvwZôvwbK 12. gwbi mv‡ne †Kvb bxwZwU AbymiY Ki‡j

mgm¨vq co‡Z n‡Zv bv? K êwPÎ¨vq‡bi bxwZ L Dchy³Zvi bxwZ M Zvi‡jï bxwZ N my` nv‡ii bxwZ 13. ewnt ’ Znwe‡ji Drm †KvbwU? K †kqvi L cÖ‡`q wej M g~jab N AewÈZ gybvdv 14. †Kv‡bv eQi gybvdv AcÖZzj n‡j †m eQi

†Kv¤úvwb eënvi Ki‡Z cv‡i †KvbwU? K AewÈZ gybvdv L FYcÎ M jf¨vsk mgZvKiY Znwej N mwÂwZ Znwej 15. Kvh©wfwËK †kÖwYweb¨vm we‡ePbvq wewWweGj n‡”Q K evwYwR¨K e¨vsK L wkí e¨vsK M wewb‡qvM e¨vsK N K…wl e¨vsK 16. Av`k© wePz¨wZi mwVK m~Î †KvbwU?

K (e¨q nvi Mo nvi)2

n 1

L (Avq nvi + Mo nvi)2

n 1

M (Avq nvi + Mo nvi)2

n + 1

N (Avq nvi Mo nvi)2

n 1

17. cÖZ¨vwkZ Avq I cÖK…Z Av‡qi wePz¨wZ †_‡K Kx cwigvc Kiv nq?

K wewb‡qvM L SzuwK M gybvdv N ÿwZ 18. †KvbwU wewb‡qvM wm×v‡šÍi g‡a¨ wfbœZi? K gyw` †`vKv‡bi wd«R µq L †mjy‡bi ûBj †Pqvi µq M Kg©Pvix‡ì †eZb cÖ`vb N `wR© †`vKv‡bi †mjvB †gwkb µq 19. wW‡eÂvi‡K SzuwKc~Y© LvZ ejv nq †Kb? K RvgvbZ bv _vKvq L RvgvbZ _vKvq M my‡ì nvi †ewk _vKvq N my‡ì nvi Kg _vKvq 20. wg. dvnv` 10% my‡` 2,00,000 UvKv FY

MÖnY Kij| Ki nvi 20% n‡j, FY g~jab e¨q KZ?

K 10% L 20% M 8% N 16% 21. `ªe¨ wewbgq cÖ_vi mgm¨v n‡jv

i. Pvwn`v I †hvMv‡bi AmvgÄm¨Zv ii. msiÿ‡Yi Amyweav iii. c‡Yï g~j¨ wba©vi‡Y Amyweav


22. †Kvb †ÿ‡Î g~jab ev‡RwUs cÖ‡qvM Kiv nq? K ¯í‡gqvw` wewb‡qv‡Mi †ÿ‡Î L `xN©‡gqvw` wewb‡qv‡Mi †ÿ‡Î M AePq wbY©‡qi †ÿ‡Î N SzuwK wbY©‡qi †ÿ‡Î 23. hš¿cvwZ †givgZ, KuvPvgvj µq, kÖwg‡Ki

gRywi cÖ`vb †Kvb ai‡bi A_©vq‡bi AšÍfz©³? K `xN©‡gqvw` L ga¨‡gqvw` M ¯í‡gqvw` N AcÖvwZôvwbK 24. evÆvKiY cÖwµqv ej‡Z †evSvq

i. evÆvq cwigvY wba©viY cÖwµqv ii. A‡_©i eZ©gvb g~j¨ wba©viY cÖwµqv iii. my`vmj‡K my‡ì nvi Øviv fv‡Mi cÖwµqv


25. wb‡Pi †Kvb †ÿ‡Î cÖvß Avq wbw`©ó bq? K eÛ L wW‡eÂvi M mvaviY †kqvi N AMÖvwaKvi †kqvi

DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI : wg. Zv‡iK Kg SzuwKc~Y© Lv‡Z 60 jÿ UvKv

wewb‡qvM K‡i‡Q| hvi `wj‡j cwicK¡Zvi ZvwiL D‡jøL i‡q‡Q| wKQyw`b ci evRv‡i my‡ì nvi †e‡o hvIqvq Zv‡iK Lye k¼vq c‡ob|

26. Zv‡iK †Kvb Lv‡Z wewb‡qvM K‡i‡Qb? K mvaviY †kqvi L AMÖvwaKvi †kqvi M wW‡eÂvi eÛ N †evbvm †kqvi 27. Zv‡iK †Kvb ai‡bi SzuwK‡Z co‡Z cv‡ib? K eëmvwqK SzuwK L Avw_©K SzuwK M my‡ì nv‡ii SzuwK N Zvij¨ SzuwK 28. MÖvn‡Ki Rb¨ e¨vsK Avgvb‡Zi D‡Ïk¨ †KvbwU? K wewb‡qvM L g~jab MVb M SzuwKnxb wewb‡qvM N ê‡`wkK wewb‡qvM

DÏxcKwU c‡o 29 I 30bs cÖ‡kœi DËi `vI : Rbve nvwee 3,00,000 UvKv e¨vs‡K Rgv

iv‡Lb| e¨vsK Zv‡K evwl©K Pµe„w×‡Z 10% nv‡i gybvdv w`‡e| wKš‘ Zvi eÜyi cÖ¯Íve wQj H UvKv eÜyi Kv‡Q Rgv ivL‡j 6 eQi ci wØ¸Y UvKv †diZ w`‡e|

29. nvwee yB eQi ci e¨vsK †_‡K KZ UvKv †diZ cv‡e?

K 3,63,000 UvKv L 3,63,400 UvKv M 3,63,450 UvKv N 3,63,480 UvKv 30. DÏxcK Abyhvqx

i. eÜyi †ÿ‡Î my‡ì nvi 9% ii. nvwe‡ei my‡hvM e¨q 12% iii. nvwe‡ei wewb‡qvM wm×všÍ mwVK bq

wb‡Pi †KvbwU mwVK? K i L iii M i I ii N ii I iii



Self test


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1 L 2 M 3 M 4 K 5 M 6 M 7 N 8 L 9 L 10 K 11 M 12 L 13 L 14 M 15 L

16 N 17 L 18 M 19 K 20 M 21 N 22 L 23 M 24 M 25 M 26 M 27 M 28 M 29 K 30 N





1. †Kvb SzuwKi Kvi‡Y †Kv¤úvwb `ªæZ we‡jvcmvab n‡Z cv‡i?

K Avw_©K SzuwK L eëmvwqK SzuwK M Zvij¨ SzuwK N my` nv‡ii SzuwK

2. Zvij¨ SzuwKi m¤§yLxb n‡Z nq i. †kqvi‡nvìvi‡K ii. eÛ‡nvìvi‡K iii. wW‡eÂvi‡nvìvi‡K


M ii I iii N i, ii I iii 3. GKwU cÖwZôv‡bi Mo †_‡K Av‡qi eëav‡bi

e‡M©i Mo 145.7 n‡j Av`k© wePz¨wZ n‡e K 12.18% L 12.70% M 12.47% N 12.07%

4. g~jab ev‡RwUs-Gi wm×všÍ cÖ‡qvRb nq i. bZzb cY¨ evRv‡i Qvov ii. eëmvq m¤úÖmvi‡Y iii. Kg©x cÖwkÿ‡Y


M ii I iii N i, ii I iii 5. cÖwZôv‡bi †gvU e¨‡qi gva¨‡g †KvbwU

wbY©q Kiv nq? K bM` cÖevn L †gvU Avq M bM` ewntcÖevn N bM` AvšÍtcÖevn 6. Kg©Pvix‡ì †eZb †Kvb ai‡bi e¨q? K ’vqx LiP L PjwZ LiP M †gvU LiP N wbU LiP

7. g~jab e¨q ej‡Z †evSvq i. †kqvigvwjK‡ì cÖZ¨vwkZ Avq ii. wbewÜZ cÖwZôv‡bi cÖZ¨vwkZ Avq iii. e¨vs‡Ki cÖZ¨vwkZ Avq


M i I iii N i, ii I iii 8. Kic~e© FY g~jab e¨q‡K mgš^q Kivi

cÖ‡qvRb nq †Kb? K Ki cÖ`vb Ki‡Z L Ki e„w× Ki‡Z M Ki Kg Ki‡Z N Ki gIKzd Ki‡Z 9. wewb‡qvM e¨vs‡Ki KvR Kx? K KviLvbv wdb¨vÝ L ê‡`wkK gy`ªv wewbgq M G·‡cvU© wdb¨vÝ N weªR wdb¨vÝ 10. evwYwR¨K e¨vsK †bvU Bmy¨Ki‡Yi †ÿ‡Î

†KvbwU K‡i? K LC mnvqZv †`q L cÖvBReÛ †`q M FYcÎ †`q N †PK mieivn K‡i

11. e¨vs‡K wnmve †Lvjvi †ÿ‡Î cÖ‡qvRb nq bv i. RvZxq cwiPqc‡Îi ii. PvKwii AwfÁZvi mb‡ì iii. wkÿvMZ †hvM¨Zvi mb‡ì


M ii I iii N i, ii I iii 12. Mviwbwk AW©vi Rvwi K‡i †K? K evwYwR¨K e¨vsK L †K› ªxq e¨vsK M Av`vjZ N g‡°j

DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : 'X' e¨vsK †`‡ki cÖavb e¨vsK wn‡m‡e †`‡ki

Af¨šÍ‡i Ab¨vb¨ e¨vs‡Ki MV‡b, Rgv I FY Av`v‡q wbKvk I wnmve wbixÿvq mnvqZv K‡i| wec‡ì mgq †`‡ki Ab¨vb¨ e¨vsK¸‡jv‡K civgk©I †`q|

13. DÏxc‡K 'X' e¨vs‡Ki †Kvb f‚wgKvi K_v ejv n‡q‡Q?

K F‡Yi †kl AvkÖq¯’j L miKv‡ii e¨vsKvi M †`‡ki GKgvÎ e¨vsK N †`‡ki cÖavb I †K›`ªxq e¨vsK 14. 'X' e¨vsK Ab¨ †Kv‡bv e¨vsK‡K mnvqZv bv

Kivi KviY n‡Z cv‡i i. e¨vsKwU hw` AZvwjKvfz³ nq ii. mgevq e¨vsK n‡j iii. †K›`ªxq e¨vs‡Ki Aax‡b bq


M i I iii N i, ii I iii 15. gybvdv e„w×i mv‡_ mv‡_ A_©vq‡bi †KvbwU

e„w× cvq? K weµq L SzuwK M Avq N e¨q

16. WTO-Gi AvZ¥cÖKv‡ki d‡j

K †kqv‡ii ì e„w× cvq L g~jab KvVv‡gv MwYZwbf©i nq M Avg`vwb-ißvwbi cÖwZeÜKZv n«vm cvq N `xN©‡gqvw` wewb‡qvM e„w× cvq 17. iæj-72 Abyhvqx 9,000 UvKvi 9% my‡ì

nv‡i KZ eQ‡i wØ¸Y n‡e? K 7 eQi L 8 eQi M 9 eQi N 11 eQi 18. GKwU †Kv¤úvwbi †kqvi evRvig~j¨ 500

UvKv| cÖwZeQi †kqvicÖwZ jf¨vsk 15 UvKv| mvaviY †kqv‡ii g~jab e¨q KZ?

K 0.03% L 3% M 33% N 0.3%

19. FY MÖn‡Yi Av‡M Kx hvPvB Ki‡Z nq? K A‡_©i mgqg~j¨ L g~jab e¨q M m¤¢ve¨ e¨q N cwi‡kv‡ai ÿgZv 20. evÆvi nvi Kg‡j Kx nq? K Pµe„w×i msL¨v e„w× cv‡e L eZ©gvb g~j¨ †ewk n‡e M eZ©gvb g~j¨ AcwiewZ©Z _vK‡e N eZ©gvb g~j¨ Kg n‡e 21. cÖZ¨vkv I cÖvwßi eëavb nIqvi

m¤¢vebv‡K Kx e‡j? K AwbðqZv L SzuwK M jvf N ÿwZ

DÏxcKwU c‡o 22 I 23bs cÖ‡kœi DËi `vI : B‡”Q I c„w_ex `yB eÜy| B‡”Q, c„w_exi

wbKU n‡Z 10% my‡` 15,000 UvKv FY wb‡q‡Q 3 eQ‡ii Rb¨|

22. 3 eQi c‡i 10% my‡` 15,000 UvKvi eZ©gvb g~j¨ KZ?

K 11,270 UvKv L 1,127 UvKv M 15,000 UvKv N 12,270 UvKv 23. 3 eQi ci hw` 15,000 UvKvB cwi‡kva

K‡i Zvn‡j c„w_exi KZ UvKv ÿwZ n‡e? K 4,965 UvKv L 3,730 UvKv M 13,873 UvKv N 11,270 UvKv 24. †Kv¤úvwbi †kqvi‡nvìviMY Kx cvq? K gybvdv L my` M jf¨vsk N wbw`©ó A_© 25. †kqvievRv‡ii m~PK †Kgb? K w¯’wZkxj L AcwieZ©bxq M aªæeK N cwieZ©bkxj 26. evsjv‡`k e¨vs‡Ki wbe©vnx cwiPvjK KZRb? K 1 Rb L 4 Rb M 12 Rb N 15 Rb 27. †bvU I gy`ªv cÖPjb K‡i †Kvb e¨vsK? K †mvbvjx e¨vsK L evsjv‡`k e¨vsK M AMÖYx e¨vsK N RbZv e¨vsK 28. eZ©gv‡b †`‡k miKvwi e¨vsK KZwU? K 2wU L 4wU M 6wU N 8wU 29. gvwjK I eë ’vcbv KZ…©c‡ÿi †cÖÿvc‡U

e¨vs‡Ki D‡Ïk¨ KqwU? K 3wU L 4wU M 5wU N 6wU 30. †nvwìs †Kv¤úvwbi Aax‡b wbqwš¿Z I

cwiPvwjZ nq K GKK e¨vsK L kvLv e¨vsK M MÖæc e¨vsK N eÜwK e¨vsK



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1 K 2 N 3 N 4 K 5 M 6 L 7 M 8 M 9 N 10 N 11 M 12 M 13 N 14 N 15 L

16 M 17 L 18 L 19 N 20 L 21 L 22 K 23 L 24 M 25 N 26 M 27 L 28 L 29 L 30 M




Øviv m¤ú~Y© fivU Ki| cÖwZwU cÖ‡kœi gvb 1| cÖkœc‡Î †Kv‡bv cÖKvi `vM/wPý †Ìqv hv‡e bv|] 1. miKvi I iv‡óªi c‡ÿ e¨vsK †Kvb D‡Ïk¨

cvjb K‡i? K mvgvwRK Ae`vb L Dbœq‡b AskMÖnY M Kg©ms ’vb N A_© ¯’vbvšÍi 2. e¨vs‡Ki Av‡qi cÖavb Drm Kx? K Kwgkb Av`vq L mvwf©m PvR© M my` MÖnY N cÖvc¨ wej evÆvKiY 3. e¨vsK Zvi g‡°‡ji wnmv‡e ¯^qswµqfv‡e

†KvbwU Rgv K‡i? K cÖvc¨ Kwgkb L cÖvc¨ my` M cÖvc¨ evÆv N cÖvc¨ wej 4. MÖvn‡Ki Rb¨ e¨vsK Avgvb‡Zi D‡Ïk¨ †KvbwU? K g~jab MVb L F‡Yi myweav M AvgvbZ MÖnY N ê‡`wkK wewbgq 5. †µwWU Kv‡W©i Rb¨ cÖ‡hvR¨ †KvbwU? K e¨vsK wnmv‡e UvKv _vK‡Z n‡e L bM‡` gvjvgvj µq Kiv hvq M Gi gva¨‡g †jb‡`‡bi Rb¨ MÖvnK

e¨vs‡Ki wbKU `vqe× _v‡K N Giƒc Kv‡W©i Rb¨ e¨vs‡K wnmve _vKv

Avek¨K 6. e¨vs‡Ki cÖwZ MÖvn‡Ki cweÎ `vwqZ¡ I KZ©e¨ †KvbwU? K mgqg‡Zv FY cwi‡kva Kiv L AwaK A_© Rgv Kiv M AwaK cwigv‡Y FY †bIqv N AvgvbZKvixi msL¨v evov‡bv 7. †K›`ªxq e¨vsK †Kvb ai‡bi cÖwZôvb? K evwYwR¨K L gybvdv‡fvMx M Agybvdv‡fvMx N AvšÍR©vwZK 8. we‡klvwqZ Avw_©K cÖwZôvb †KvbwU? K K…wl e¨vsK L †mvbvjx e¨vsK M RbZv e¨vsK N AMÖYx e¨vsK DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : †mvcvb e¨vs‡K ê‡`wkK evwYR¨, FY`vb BZ¨vw`

myôzfv‡e m¤úv`‡bi Rb¨ c„_K c„_K wefvM i‡q‡Q| d‡j Kv‡Ri `ÿZv I gvb e„w× cvq|

9. DwjøwLZ Kv‡Ri gva¨‡g †mvcvb e¨vs‡Ki †Kvb bxwZ cwijwÿZ nq?

K `ÿZvi bxwZ L mybv‡gi bxwZ M †mevi bxwZ N we‡klvq‡bi bxwZ 10. †mvcvb e¨vs‡Ki Kvh©`ÿZv e„w×i KviY

i. GKRb Kg©x GKwU wbw`©ó KvR K‡i ii. GKB e¨w³ wewfbœ wefv‡Mi `vwqZ¡ cvjb K‡i iii. GKB RvZxq KvR evi evi GKRbB K‡i

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 11. evsjv‡`‡k 500 UvKvi †bvU cÖPjb K‡i

†Kvb e¨vsK? K evsjv‡`k e¨vsK L †mvbvjx e¨vsK M wewWweGj N RbZv e¨vsK 12. evwYwR¨K e¨vsK cY¨ µq-weµ‡q wewbgq

gva¨g m„wó K‡i Kxfv‡e? K UvKv cÖPjb K‡i L †PK Bmy¨ K‡i M GwUGg KvW© cÖ`vb K‡i N cÖvc¨ wej evÆvKiY K‡i

13. ÔKÕ Zvi †mjy‡bi Rb¨ 20,000 UvKvi ûBj †Pqvi wK‡b‡Q| µqK…Z ûBj †Pqvi eënvi K‡i eëmvq †_‡K AvMvgx 6 eQi evwl©K 4,000 UvKv AvšÍtcÖevn wbwðZ Ki‡Z cvi‡e| G‡ÿ‡Î †c-e¨vK mgq KZ n‡e?

K 2 eQi L 3 eQi M 4 eQi N 5 eQi DÏxcKwU c‡o 14 I 15bs cÖ‡kœi DËi `vI : Gwewm wjwg‡UW cÖwZeQi AwR©Z gybvdvi

GKwU Ask Avjv`v GKwU Znwe‡j Rgv iv‡L| eQ‡ii gvSvgvwS GKwU †gwkb A‡K‡Rv n‡j D³ Znwe‡ji mnvqZvq Zv †givgZ Kiv nq| c‡Yï e¨vcK Pvwn`v _vKvq cÖwZôvbwU D³ Znwe‡ji mnvqZvq Ges FY wb‡q 3wU †gwkb I 4 KvVv Rwg µ‡qi K_v fve‡Q|

14. Gwewm wjwg‡UW cÖwZeQi eëmv‡q †Kvb Drm n‡Z A_©vqb K‡i?

K gvwjKvbvwfwËK Af¨šÍixY Drm L gybvdvwfwËK Af¨šÍixY Drm M ¯í‡gqvw` ewn ’ Znwej N `xN©‡gqvw` ewn ’ Znwej 15. Gwewm wjwg‡UW Zvi Znwej eënvi K‡i‡Q

i. A_© msKU wbim‡b ii. eëmvq m¤úÖmvi‡Y iii. wbw`©ó nv‡i jf¨vsk cÖ`v‡b

wb‡Pi †KvbwU mwVK? K i L ii M i I ii N i, ii I iii

16. †KvbwUi gva¨‡g A_©vqb Ki‡j cÖ‡`q K‡ii cwigvY Kg nq?

K wjwRs L †kqvi M wewbgq wej N FY 17. †Kvb cÖKvi wewb‡qv‡M wbw`©ó nv‡i jf¨vsk

cvIqv hvq? K mvaviY †kqvi L eÛ M wW‡eÂvi N AMÖvwaKvi †kqvi 18. evRv‡i bZzb cY¨ Qvovi mgq we‡ePbv

Kiv nq i. ¯’vwqZ¡ ii. m¤¢ve¨ weµ‡qi cwigvY iii. KuvPvgvj eve` LiP


19. Rbve †bv‡ej Zvi eëmv‡qi Rb¨ 12% my‡ì nv‡i 50,000 UvKv FY MÖnY K‡i| Ki nvi 20%| Kic~e© FY g~jab e¨q KZ?

K 9.6% L 12% M 14.4% N 20%

DÏxcKwU c‡o 20 I 21bs cÖ‡kœi DËi `vI : Ôwe_x wjwg‡UWÕ Gi cÖwZwU 180 UvKv g~‡jï

5 jÿ †kqvi i‡q‡Q| wg‡mm wgw_jv Ôwe_x wjwg‡UWÕ Gi 1,000wU †kqv‡ii gvwjK| †Kv¤úvwbwU G eQi †kqvi‡nvìvi‡ì jf¨vsk

wn‡m‡e bM` A‡_©i cwie‡Z© 4 t 1 Abycv‡Z AwZwi³ †kqvi cÖ`v‡bi †NvlYv †`q|

20. †Kv¤úvwbi †NvlYvK…Z bZzb †kqvi †Kvb ai‡bi? K wejw¤^Z †kqvi L ivBU †kqvi M †evbvm †kqvi N AMÖvwaKvi †kqvi 21. D³ †kqvi cÖ`v‡bi d‡j

i. wgw_jvi †kqvimsL¨v 1,250wU n‡e ii. †Kv¤úvwbi †kqvimsL¨v e„w× cv‡e iii. †Kv¤úvwbi †kqvi‡nvìvi e„w× cv‡e


22. evsjv‡`‡ki e¨vsK eëmvq gyw³hy‡×i ci cÖPÐ msK‡U wbcwZZ nIqvi KviY Kx?

K g~jab msKU L `ÿ Kg©xi Afve M cÖavb Awdm cwðg cvwK¯Ív‡b _vKvq N †hvMv‡hvM eë ’v AbybœZ nIqvq 23. gy`ªvi me‡P‡q cÖavb KvR †KvbwU? K wewbg‡qi gva¨g L mÂ‡qi fvÐvi M g~‡jï cwigvcK N FY cwi‡kva 24. mgvRKj¨vY †Kvb ai‡bi A_©vq‡bi g~j jÿ¨? K eëmvq A_©vqb L cvwievwiK A_©vqb M miKvwi A_©vqb N AvšÍR©vwZK A_©vqb 25. eëmv‡q eënv‡ii D‡Ï‡k¨ Kw¤úDUvi

µ‡qi wm×všÍ n‡jv eë ’vc‡Ki i. A_©vqb wm×všÍ ii. e¨q wm×všÍ iii. PjwZ wewb‡qvM wm×všÍ

wb‡Pi †KvbwU mwVK? K i L ii M ii I iii N i, ii I iii

26. cÖwZeQi fwel¨r my`vmj‡K my‡ì nvi w`‡q fvM Ki‡j Kx cvIqv hvq?

K fwel¨r g~j¨ L †gqv` M †gvU my` N eZ©gvb g~j¨ 27. Rbve Bd‡ZLvi evwl©K 10% nvi my‡`

2,000 UvKv XvKv e¨vs‡K 2 eQ‡ii Rb¨ Rgv iv‡Lb| †gqv` †k‡l wZwb KZ UvKv cv‡eb?

K 1,638.82 UvKv L 1,652.89 UvKv M 2,420.00 UvKv N 2,440.78 UvKv 28. cÖZ¨vwkZ Av‡qi Zzjbvq cÖK…Z Avq †ewk

n‡jI Kx m„wó n‡Z cv‡i? K SzuwK L AwbðqZv M ÿwZ N jvf 29. SzuwK cÖfve †d‡j

i. wm×všÍ MÖn‡Y ii. cÖKí ev¯Íevq‡b iii. cÖZ¨vwkZ gybvdv AR©‡b


30. Avq-e¨q cÖv°j‡bi †ÿ‡Î e¨q ej‡Z †evSvq K weµq †_‡K AwR©Z A_© L KuvPvgvj LiP M `vjvb‡KvVv µq N Rwg µq



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1. KvVv‡gvi wfwË‡Z Gw·g e¨vsK †Kvb ai‡bi e¨vsK?

K †K›`ªxq e¨vsK L kvLv e¨vsK M Bmjvgx e¨vsK N GKK e¨vsK 2. AvšÍR©vwZK gy`ªv Znwej (IMF)-Gi

m`m¨msL¨v KZwU †`k? K 187 L 188 M 189 N 190

DÏxcKwU c‡o 3 I 4bs cÖ‡kœi DËi `vI : XYZ †Kv¤úvwbi mvaviY †kqv‡ii

evRvig~j¨ 100 UvKv, cÖZ¨vwkZ jv‡fi nvi 7% Ges cÖe„w×i nvi 3%|

3. XYZ Gi mvaviY †kqvi g~jab e¨q KZ? K 10.7% L 10.31% M 10.21% N 10.19% 4. hw` e„w×i nvi 3.5% nq †m‡ÿ‡Î mvaviY

†kqvi g~jab e¨q KZ? K 10.75% L 10.65% M 10.50% N 10.40% 5. †K›`ªxq e¨vs‡Ki wbe©vnx cwiPvjK KZRb? K 10 L 12 M 13 N 14 6. ARR Gi c~Y©iƒc Kx? K Aetual Rate of Return L Accounting Rate of Return M Annual Rate of Return N Accumulated of Return

7. ûKzg †P‡Ki êwkó¨ †KvbwU? K evg †Kv‡Y AvovAvwofv‡e `vM KvUv L Wvb †Kv‡Y AvovAvwofv‡e `vM KvUv M mgvšÍivjfv‡e `vM KvUv N †Kej wbw`©ó e¨w³ A_© D‡Ëvjb Ki‡Z cv‡i

8. A_©vq‡bi `xN©‡gqvw` Drm K cÖ‡`q wej L FYcÎ M ÿz`ª FY N cÖvc¨ wej evÆvKiY 9. g~jab ev‡RwUs Gi gva¨‡g wm×všÍ MÖnY

Kiv nq i. ’vqx m¤úwË µ‡qi ii. ¯’vqx m¤úwË AvaywbKvq‡bi iii. PjwZ LiP wbe©v‡ni



10. †`‡ki gy`ªvevRvi wbqš¿Y K‡i i. miKvi ii. evwYwR¨K e¨vsK iii. †K›`ªxq e¨vsK



11. e‡Ûi †h mKj êwkó¨ i‡q‡Q Zv n‡jv i. RvgvbZ ii. cwicK¡Zv iii. iƒcvšÍi‡hvM¨Zv


M ii I iii N i, ii I iii 12. cwiPvjb e¨‡q ’vqx Li‡Pi cwigvY †ewk

n‡j Kx ˆZwi nq? K eëmvwqK SzuwK L my` nv‡ii SzuwK M Zvij¨ SzuwK N Avw_©K SzuwK

DÏxcKwU c‡o 13 I 14bs cÖ‡kœi DËi `vI : wg‡mm Avqkv wbR¯ cyuwR‡Z GKwU †mjvB

†gwkb µq K‡i RvgvKvco evbv‡bv ïiæ Ki‡jb| wZwb Zvi wbKU ’ evwYwR¨K e¨vs‡Ki kvLv eë ’vc‡Ki KvQ †_‡K wnmve †Lvjvi e¨vcv‡i wm×všÍ PvB‡jb|

13. GB ai‡bi jf¨vsk cÖ`v‡bi bxwZ‡K Kx ejv nq?

K w ’i nv‡i jf¨vsk cÖ`vb bxwZ L w¯’wZkxj jf¨vsk bxwZ M jf¨vsk cÖ`vb AbycvZ bxwZ N w ’i nv‡ii mv‡_ AwZwi³ jf¨vsk bxwZ 14. Dc‡iv³ DÏxcK Abymv‡i jf¨vsk cÖ`v‡bi

cwigvY KZ n‡e? K 12,50,000 UvKv L 12,70,000 UvKv M 12,80,000 UvKv N 12,90,000 UvKv 15. FY`vb, †bvU Bmy¨ G¸‡jv e¨vs‡Ki †Kvb

ai‡bi bxwZ? K †mev bxwZ L we‡klvq‡bi bxwZ M wewb‡qvM bxwZ N D‡Ï‡kï bxwZ 16. Uªv‡fjvim †PK n‡Z evwYwR¨K e¨vsK Kx

†c‡q _v‡K? K my` L Kwgkb M evÆv N gybvdv

17. F‡Yi †kl AvkÖq ’j K †mvbvjx e¨vsK L K…wl e¨vsK M evsjv‡`k e¨vsK N MÖvgxY e¨vsK 18. World Trade Organization (WTO)

†Kvb `k‡K AvZ¥cÖKvk K‡i? K 1970 L 1980 M 1990 N 2000

DÏxcKwU c‡o 19 I 20bs cÖ‡kœi DËi `vI : wg‡mm Avqkv wbR¯ cyuwR‡Z GKwU †mjvB

†gwkb µq K‡i RvgvKvco evbv‡bv ïiæ Ki‡jb| wZwb Zvi wbKU ’ evwYwR¨K e¨vs‡Ki kvLv eë ’vc‡Ki KvQ †_‡K wnmve †Lvjvi e¨vcv‡i wm×všÍ PvB‡jb|

19. wg‡mm Avqkvi Rb¨ †Kvb ai‡bi wnmve h‡_vchy³?

K PjwZ wnmve L mÂqx wnmve M ’vqx wnmve N wegv mÂqx wnmve 20. wg‡mm Avqkv Zvi e¨vsK †_‡K †h ai‡bi

†mev I myweav †c‡Z cv‡ib †m¸‡jv n‡jv i. RgvwZwi³ D‡Ëvjb ii. ¯^ínv‡i my`cÖvwß iii. hZevi Lywk ZZevi UvKv Rgv ivLv


M ii I iii N i, ii I iii 21. we`¨vjq GKwU K A_©‰bwZK cÖwZôvb L ivR‰bwZK cÖwZôvb M cvwievwiK cÖwZôvb N mvgvwRK cÖwZôvb 22. Aa©evwl©K Pµe„w×i †ÿ‡Î 'm' Gi gvb KZ

nq? K 12 L 8 M 6 N 2 23. cÖZ¨qcÎ Kvi AbyK‚‡j Bmy¨ Kiv nq? K e¨vsK L miKvi M ißvwbKviK N Avg`vwbKviK 24. SzuwK n«vm Kiv hvq

i. mwVK cwiKíbvi gva¨‡g ii. cÖwZôv‡bi e¨q n«vm K‡i iii. wewfbœ †KŠkj Aej¤^b K‡i


M ii I iii N i, ii I iii 25. my‡ì nvi evo‡j K wewb‡qvM-Gi evRvig~j¨ evo‡e L wewb‡qvM-Gi evRvig~j¨ Kg‡e M AcwiewZ©Z _vK‡e N evRvig~j¨ DVvbvgv Ki‡e 26. KvVv‡gvwfwËK e¨vsK KqwU? K 2 L 3 M 4 N 6 27. 500 UvKvi we‡j 2% evÆv avh© Kiv n‡j

KZ UvKv bM` msMÖn Kiv hv‡e? K 490 UvKv L 480 UvKv M 470 UvKv N 420 UvKv 28. weivóªxqKiY cÖwµqv KLb ïiæ nq? K cÂv‡ki `k‡K L lv‡Ui `k‡K M mË‡ii `k‡K N Avwki `k‡K 29. gybvdvi Ask †kqvi‡nvìvi ev gvwjKM‡Yi

g‡a¨ eÈb bv K‡i fwel¨‡Zi Rb¨ mÂq K‡i ivLv‡K Kx e‡j?

K wewae× Znwej L msiwÿZ Znwej M mÂq N mvaviY mwÂwZ 30. wbU gybvdvi mv‡_ †KvbwU †hvM Ki‡j bM`

AvšÍtcÖevn cvIqv hvq? K AePq L Ki M fMœve‡kl g~j¨ N PjwZ e¨q



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28 mKj †evW© 2017



1. e¨vsK k‡ãi j¨vwUb A_© K mÂq L †Pqvi M j¤^v †Uwej N wewb‡qvM 2. ivmvqwbK wkícÖwZôvb¸‡jv †Kvb ms ’vi

Aax‡b cwiPvwjZ nq? K BGIC L BCIC M BGMC N BSTI 3. ¯^í‡gqvw` Znwe‡ji A_© cwi‡kva Ki‡Z nq K 6 gv‡mi g‡a¨ L 1 eQ‡ii g‡a¨ M 2 eQ‡ii g‡a¨ N 5 eQ‡ii g‡a¨ 4. Ôiæj 72Õ cÖ‡qvM K‡i wbY©q Kiv hvq K Avmj UvKv L †gqv` M my‡ì cwigvY N Pµe„w×i msL¨v 5. miKv‡ii Av‡qi Drm

i. wMdU U¨v· ii. †UªRvwi wej iii. FY


M ii I iii N i, ii I iii 6. g~jab ev‡RwUs G e¨_©Zvi `vq Kv‡K wb‡Z nq? K A_© wewb‡qvMKvix‡K L A_© eë ’vcK‡K M FY`vZv‡K N cÖwZôv‡b wb‡qvwRZ Kgx©‡K

DÏxcKwU c‡o 7 I 8 bs cÖ‡kœi DËi `vI : wg. iv‡mj GKRb ÿz ª eëmvqx| Zvi

fwel¨‡Z 1,00,000 UvKv cÖ‡qvRb| G Rb¨ wZwb eZ©gv‡b 10% Pµe„w× my‡ì nv‡i 7 eQi †gqv‡` wewb‡qvM Ki‡Z ivwR Av‡Qb|

7. wg. iv‡mj eZ©gv‡b KZ UvKv wewb‡qvM Ki‡j Zv 1,00,000 UvKvq cwiYZ n‡e?

K 40,315 L 45,000 M 51,316 N 61,316 8. hw` Pµe„w× my‡ì nvi 8% nq Zvn‡j wg.

iv‡mj‡K KZ UvKv wewb‡qvM Ki‡Z n‡e? K 50,000 L 58,249 M 58,349 N 60,449 9. `xN©‡gqvw` A_©vq‡bi Drm

i. FYcÎ ii. wjwRs iii. evwYwR¨KcÎ


M i I iii N i, ii I iii 10. bM` AvšÍtcÖevn I wbU gybvdvi eëavb‡K

Kx ejv nq? K cÖviw¤¢K wewb‡qvM L bM` ewntcÖevn M †gvU PjwZ e¨q N †gvU AePq 11. LC-Gi c~Y©iƒc K Letter of Commerce L Letter of Certificate M Letter of Credit N Letter of Cost

12. gywì †`vKvwb ûgv Gi Kic~e© FY g~jab LiP 12%| Ki nvi 30%| ûgv Gi Ki mgš^qK…Z FY g~jab LiP KZ?

K 7% L 7.4% M 8.4% N 0.105% 13. Aeëmvqx cÖwZôv‡bi Av‡qi Drm wb‡Pi

†KvbwU? K FY L Aby`vb M wewb‡qvM N †iwg‡UÝ 14. cÖeZ©‡Ki †kqvi e‡j AwfwnZ Kiv nq K wejw¤^Z †kqvi‡K L ivBU †kqvi‡K M AMÖvwaKvi †kqvi‡K N †evbvm †kqvi‡K 15. cÖwZôv‡bi Af¨šÍixY Znwe‡ji Drm‡K

Kq fv‡M Kiv hvq? K 2 L 3 M 4 N 5 16. KvMwR gy`ªv cÖPj‡bi KviY

i. avZe gy`ªvi weKí eënvi ii. avZe gy`ªvi `xN© ’vwqZ¡ iii. avZe c`v‡_©i `y®úÖvc¨Zv



17. e¨vswKs eëmvi Ab¨Zg g~jbxwZ i. Zvij¨ bxwZ ii. mybv‡gi bxwZ iii. we‡klvq‡bi bxwZ



DÏxcKwU c‡o 18 I 19 bs cÖ‡kœi DËi `vI : KB GKwU †gwkb µq Ki‡e hvi µqg~j¨

90,000 UvKv| Avqy®‹vj 3 eQi| cÖKíwU n‡Z cÖwZ eQi AvMZ bM` cÖevn n‡e h_vµ‡g 42,000, 38,000, 29,000 UvKv|

18. µqK…Z †gwkbwUi µg‡hvwRZ bM` cÖev‡ni †hvMdj KZ n‡e?

K 1,00,000 L 1,05,000 M 1,08,000 N 1,09,000 19. †gwkbwUi cwi‡kvaKvj KZ eQi? K 2.3 L 3 M 3.3 N 4 20. Bangladesh Development Bank

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g~j¨vqb Ki| 4


33 h‡kvi †evW© 2021



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D‡Ïk¨ RwoZ? eY©bv Ki| 3 N. DÏxc‡Ki e¨vs‡Ki c`‡ÿcwU we‡kølY Ki| 4


36 wm‡jU †evW© 2021



K-wefvM : wdb¨vÝ 1 ivwng mv‡ne GKwU Avw_©K cÖwZôv‡bi eë ’vcK| cÖwZôv‡bi †gwkb µ‡q

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c_Kwj bv‡g GKwU msMV‡b cÖvqB A_© mvnvh¨ K‡ib| †mLv‡b A‡bK GwZg wkï‡ì _vKv, LvIqv, wkÿv BZ¨vwì eë ’v Kiv nq| K. IDB Gi cy‡iv A_© Kx? 1 L. eëmvwqK SzuwK Kx? e¨vL¨v Ki| 2 M. c_Kwj msMV‡bi A_©vq‡bi aibwU e¨vL¨v Ki| 3 N. Òc_Kwj I gv‡qi †`vqv cÖwZôvb ywUi A_©vq‡bi g~j D‡Ïk¨ GK

bqÓ g~j¨vqb Ki| 4 6 Rbve mvwg Zvi 5 †KvwU UvKv ÔKÕ I ÔLÕ bv‡g `ywU cÖK‡í wewb‡qv‡Mi

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1 Rbve wgjKvb Zvi eëmv‡qi mwÂZ A_© †kqvievRv‡i wewb‡qvM K‡ib| †kqvievRv‡ii AbeiZ ìcZ‡bi Kvi‡Y wZwb Zvi †kqvi¸‡jv wewµ K‡i 5 eQ‡ii Rb¨ e‡Û wewb‡qvM K‡ib| nVvr Zvi eëmv‡q A_©msKU †`Lv w`‡j, wZwb eÛ wewµi wm×všÍ †bb| wKš‘ e‡Ûi Rb¨ Dchy³ †µZv cvIqv bv hvIqvq wZwb Lye nZvk nb| cieZ©x‡Z e‡Ûi †gqv`c~wZ©i ci UvKv nv‡Z Avm‡j, wZwb ÔBjmvÕ I ÔwbwjgvÕ bvgK ywU cÖK‡í wewb‡qv‡Mi wm×všÍ †bb| ÔBjmvÕ cÖKí n‡Z 5 eQ‡i Av‡qi nvi h_vµ‡g

10%, 20%, 5%, 15% I 35% Ges wbwjgv cÖK‡íi Mo Avq 12%| K. SzuwK Kx? 1 L. ÔkÖwg‡Ki gRywiÕ cwi‡kv‡ai AÿgZv †_‡K †Kvb ai‡bi SzuwK m„wó nq? e¨vL¨v

Ki| 2 M. Rbve wgjKv‡bi cÖv_wgKfv‡e wewb‡qv‡Mi †ÿ‡Î †Kvb ai‡bi SzuwK we`¨gvb?

eY©bv Ki| 3 N. ÔwbwjgvÕ cÖK‡íi Av`k© wePz¨wZ 18.5% n‡j, †Kvb cÖK‡í Rbve wgjKv‡bi

wewb‡qvM Kiv †hŠw³K? ÔBjmvÕ cÖK‡íi Av`k© wePz¨wZ wbY©qc~e©K we‡kølY Ki| 4

2 Rbve RviwRm A‡bK w`b a‡i Ôdvg©vÕ I Ô†WëvÕ bv‡g ywU cÖK‡í wewb‡qv‡Mi wPšÍvfvebv Ki‡Qb| cÖK‡í wewb‡qv‡Mi D‡Ï‡k¨ wZwb Ôkg©x e¨vsKÕ †_‡K wKQy UvKv FY †bb| F‡Yi my` wZwb Dfq wewb‡qv‡Mi Avq †_‡K cwi‡kva Ki‡eb| Ôdvg©vÕ cÖK‡í wewb‡qvM K‡i 4 eQ‡i weµq h_vµ‡g 1,00,000, 80,000, 70,000, 60,000 UvKv| AePq 8,000 UvKv, cwieZ©bkxj LiP 10,000 UvKv Ges Ki nvi 20%| Ô†WëvÕ cÖK‡í wewb‡qvMK…Z UvKv wZwb 3 eQ‡ii g‡a¨B †diZ cvb| K. AvšÍtcÖevn Kx? 1 L. Ôg~jab ev‡RwUs A_©vq‡bi mvd‡jï PvweKvwVÕ Dw³wU e¨vL¨v Ki| 2 M. DÏxc‡Ki Av‡jv‡K Ôdvg©vÕ cÖK‡íi Mo gybvdvi nvi wbY©q Ki| 3 N. Ôdvg©vÕ cÖK‡íi †c-e¨vK mgq wbY©qc~e©K wg. RviwR‡mi Rb¨ †Kvb cÖKíwU‡Z

wewb‡qvM AwaK jvfRbK e‡j Zzwg g‡b Ki? gZvgZ `vI| 4 3 Rbve †ikv‡ì †Q‡j †ivnvb GgweG †kl K‡i wewfbœ ai‡bi Møvm I wmivwgK ˆZwii

KviLvbv ’vcb K‡ib| wZwb AvaywbK c×wZ I cÖhyw³ eënvi K‡i gvbm¤§Z cY¨ ˆZwi K‡ib| m¤úÖwZ wZwb eëmvq m¤úÖmvi‡Yi j‡ÿ¨ ÔRbbx e¨vsKÕ †_‡K 9% my‡` 10 eQ‡ii Rb¨ FY †bb| Zvi cÖwZôv‡b eZ©gv‡b cÖPzi kÖwgK KvR K‡i| PjwZ eQ‡ii weµqK…Z A_© wmwU e¨vs‡Ki e‡Û wewb‡qvM Kivq Møvm I wmivwgK ˆZwii Dcv`vb evwji `vg Zzjbvg~jK m Ív nIqv m‡Ë¡I wg. †ivnvb cÖ‡qvRbxq gRy` msiÿ‡Y e¨_© nb| K. evwYR¨ NvUwZ Kx? 1 L. ÔcÖvYÕ †Kv¤úvwbi A_©vqb cÖwµqv wK ÔPvÕ Gi †`vKv‡bi A_©vqb cÖwµqvi

g‡Zv? e¨vL¨v Ki| 2 M. eëmvq m¤úÖmvi‡Yi Rb¨ ÔFY MÖnYÕ wg. †ivnv‡bi †Kvb ai‡bi A_©vqb

Kvh©vewji AšÍM©Z? e¨vL¨v Ki| 3 N. wg. †ivnv‡bi eëmv‡q †Kvb bxwZ jw•NZ n‡q‡Q e‡j Zzwg g‡b Ki? we‡kølY Ki| 4

4 Rbve Avnv` I Rbve dvnv` 7 eQi we‡`k hvÎv †kl K‡i m`¨ †`‡k wd‡ib| Rbve Avnv` Zvi RgvK…Z UvKv w`‡q Mvwoi hš¿vsk Avg`vwbi eëmvq ïiæ K‡ib Ges Aewkó UvKv wZwb ÔjveYx e¨vs‡KÕ 7 eQ‡ii Rb¨ Rgv ivL‡Z Pvb| D³ e¨vsK Zv‡K 7% my‡` †gqv` †k‡l 10 jÿ UvKv †diZ w`‡e e‡j Rvwb‡q‡Q| Ab¨w`‡K Zvi eÜy dvnvÌ dvwb©Pvi ˆZwii eëmvq ïiæ K‡ib| eëmvwqK cÖ‡qvR‡b wZwb 22 jÿ UvKv FY wb‡Z Pvb| ÔBDbvB‡UW e¨vsKÕ Zv‡K lvY¥vwmK 8.5% my‡` F‡Yi cÖ¯Íve w`‡q‡Q Ges ÔAvjdvÕ e¨vsK Zv‡K gvwmK 7.5% my‡` F‡Yi cÖ Íve w`‡q‡Q| yB e¨vsK‡KB 10 eQ‡ii g‡a¨ UvKv cwi‡kva Ki‡Z n‡e| K. Pµe„w×KiY Kx? 1 L. AvR‡Ki 50 UvKv cieZ©x 10 eQ‡i mgvb ¸iæZ¡ enb K‡i bv †Kb? e¨vL¨v

Ki| 2 M. Rbve Avnv` ÔjveYx e¨vs‡KÕ KZ UvKv eZ©gv‡b Rgv ivL‡Z Pvb? wbY©q Ki| 3 N. Rbve dvnv‡ì eëmv‡qi Rb¨ †Kvb e¨vsK †_‡K FY †bIqv DwPZ e‡j Zzwg

g‡b Ki? A‡_©i fwel¨r g~j¨ wbY©‡qi wfwË‡Z gZvgZ `vI| 4 5 ivwd I kvwd yBfvB Ges yBRbB ¯bvgab¨ cÖwZôv‡b PvKwi K‡ib| ivwdi cÖwZôvb

gybvdv AR©‡bi D‡Ï‡k¨B wewfbœ ai‡bi Kvco ˆZwi I ißvwb K‡i| kvwdi cÖwZôvb wewfbœ ai‡bi Lv`¨RvZ †hgb : wPcm, PvbvPzi, we¯‹zU, †KK BZ¨vw` ˆZwi K‡i| kvwd D³ cÖwZôv‡bi Avw_©K eë ’vcK| m¤úÖwZ kvwd cÖwZôvbwUi cÖavb Drcv`b eë ’vcK wg. Avwgb‡K Lv`¨mvgMÖx ˆZwii cvkvcvwk ev”Pv‡ì †Ljbv ˆZwii cÖ Íve †`b| Ab¨w`‡K ivwdi cÖwZôvb 5 jÿ UvKvi †gwkb µ‡qi Rb¨ ABC e¨vsK n‡Z 5 eQ‡ii cwi‡kva k‡Z© FY †bb| K. PjwZ wewb‡qvM wm×všÍ Kx? 1 L. cÙv †mZz wbg©v‡Y Ô†µb eënviÕ miKv‡ii †Kvb ai‡bi wm×všÍ? e¨vL¨v Ki| 2 M. DÏxc‡Ki Rbve ivwdi eëmvq cÖwZôvbwU †Kvb ai‡bi A_©vq‡bi mv‡_

RwoZ? eY©bv Ki| 3 N. DÏxc‡Ki cwiw¯’wZ‡Z Ôivwd I kvwdi eëmvwqK Kvh©µ‡g A_©vq‡bi bxwZ

Abym„Z n‡q‡QÕ g~j¨vqb Ki| 4 6 Rbve Q‡ivqvi jv‡fi Avkvq ÔmvnvivÕ I ÔjvwgqvÕ bvgK ywU cÖK‡íi †h †Kv‡bv

GKwU‡Z wewb‡qvM Ki‡Z B”QzK| mvnviv †Kv¤úvwbi †kqvi wewb‡qvM †_‡K 5 eQ‡ii Av‡qi nvi h_vµ‡g 12%, 14%, 8%, 20% I 21%| GKB mg‡q jvwgqv †Kv¤úvwbi Av‡qi Mo I Av`k© wePz¨wZ h_vµ‡g 20% I 5.48%|

K. AwbðqZv Kx? 1 L. e¨vsK †_‡K 10% my‡` 40 jÿ UvKv FY wb‡q, mgqg‡Zv cwi‡kva Ki‡Z bv

cvi‡j, †Kvb SzuwKi m„wó nq? e¨vL¨v Ki| 2 M. wg. Q‡ivqv‡ii Ômvnviv †Kv¤úvwb‡ZÕ wewb‡qvM †Kvb ai‡bi Avq? e¨vL¨v Ki| 3 N. mvnviv †Kv¤úvwbi Av`k© wePz¨wZ wbY©qc~e©K Rbve Q‡ivqv‡ii Rb¨ †Kvb

†Kv¤úvwb‡Z wewb‡qvM AwaK jvfRbK n‡e? hyw³ `vI| 4 L-wefvM : e¨vswKs

7 Rbve iv‡njv ¯bvgab¨ ÔwgZvwj e¨vs‡KiÕ GKRb kvLv eë ’vcK| Zvi yB wcÖq eÜy iwng I dvwng| Zv‡ì eëmv‡qi Rb¨ eo A‡¼i F‡Yi cÖ‡qvRb n‡j, Zviv Rbve iv‡njvi e¨vs‡K hvb Ges wZwb h_vmva¨ mvnvh¨-mn‡hvwMZvi Avk¦vm †`b| eÜy nIqv m‡Ë¡I Rbve iv‡njv Zv‡ì FY cwi‡kv‡ai mÿgZv hvPvB-evQvB K‡ib Ges cieZ©x‡Z FY gÄy‡i mnvqZv K‡ib| GQvovI dvwng Zvi eëmv‡qi hveZxq ¸iæZ¡c~Y© me `wjj ÔwgZvwj e¨vs‡KÕ Rgv iv‡Lb| D³ e¨vsK Zvi c‡ÿ wewfbœ Pzw³‡Z ¯^vÿi K‡ib Ges Zv‡K eëmv‡qi DbœwZi Rb¨ bvbv iKg civgk© `vb K‡ib| K. gy`vivev Kx? 1 L. Kg©ms ’vb m„wó‡Z e¨vs‡Ki f‚wgKv ms‡ÿ‡c e¨vL¨v Ki| 2 M. Rbve iv‡njvi Kvh©vewji aib we‡ePbvq wZwb †Kvb e¨vs‡Ki Kg©KZ©v? eY©bv Ki| 3 N. wg. iwng I wg. dvwn‡gi eëmv‡q, e¨vswKs eëmvi bxwZmg~n wgZvwj e¨vs‡Ki

eë ’vc‡Ki Kvh©µ‡gB cÖwZdwjZ n‡q‡Q g~j¨vqb Ki| 4 8 ÔmyigvÕ GKwU mycÖwZwôZ e¨vsK| GB e¨vs‡Ki †`‡k kvLv _vKvi cvkvcvwk †mŠw`

Avie, yevB, jÛb, Pvqbv AviI Ab¨vb¨ †`‡k e¨vswKs Kvh©vewj m¤úv`b K‡i| jvfRbKZv hvPvB‡qi gva¨‡g GB e¨vsK Zvi Avgvb‡Zi GKwU Ask wewfbœ cÖK‡í wewb‡qvM K‡i| hwÌ GB e¨vs‡Ki cÖavb D‡Ïk¨ gybvdv AR©b, Z_vwc GwU wkÿv‡ÿ‡Î AbMÖmiZv ~ixKi‡Yi j‡ÿ¨ wkÿve„wË cÖ`vb K‡i Ges cÖwZ eQi cwi‡ek ~lY cÖwZ‡iv‡a ¸iæZ¡c~Y© f‚wgKv cvjb K‡i| Zv‡ì Gme AMÖMwZi Kvi‡Y MÖvnK

mš‘wó e„w× cv‡”Q Ges MÖvnKiv mÂ‡q †ewk AvK…ó n‡”Q| eZ©gv‡b Ômyigv e¨vs‡KiÕ AvgvbZ Av‡Mi †P‡q wØ¸Y n‡q †M‡Q hv †`‡ki RvZxq Avq e„w×‡Z f‚wgKv ivL‡Q| K. LC Kx? 1 L. ªe¨g~j¨ e„w× cvIqvi g~j KviY e¨vL¨v Ki| 2 M. AÂjwfwËK †kÖwYKi‡Y Ômyigv e¨vsKÕ †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. e¨vs‡Ki gvwjK I miKv‡ii D‡Ïk¨ ev Íevq‡bi j‡ÿ¨, Ômyigv e¨vs‡KiÕ

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eY©bv Ki| 3 N. DÏxc‡Ki Av‡jv‡K e¨vs‡Ki Av‡qi I e¨‡qi LvZ¸‡jvi Zzjbvg~jK we‡kølY Ki| 4

10 iwb I Rwb yÕRb ÿz ª eëmvqx| iwbi AwZwi³ g~ja‡bi ìKvi n‡j wZwb Zvi Awd‡mi cv‡k Ôkvcjv e¨vsKÕ n‡Z 50 nvRvi UvKv FY †bb| wZwb eëmv‡qi cÖ‡qvR‡b XvKvq †M‡j kvcjv e¨vs‡Ki gwZwSj Kvh©vjq n‡Z D³ UvKv D‡Ëvjb K‡ib| Ab¨w`‡K Zvi eÜy Rwb Zvi wbR¯ Rwg‡Z mewR Pvl K‡ib| wKš‘ mewR wewµ K‡i b¨vh¨g~j¨ bv cvIqvq, wZwb Lye nZvk nb| ZvB wZwb AviI K‡qK †kÖwYi Pvwl‡ì GKwÎZ K‡i GKwU msMVb K‡ib| Rwb Zvi AviI GKwU Rwg‡Z Pv‡li Rb¨ Zv‡ìB cÖwZwôZ msMVb ÔUMi e¨vsKÕ †_‡K 2 jÿ UvKv FY †bb| ÔUMi e¨vs‡KiÕ gyL¨ D‡Ïk¨ n‡jv m`m¨M‡Yi Av_©-mvgvwRK Dbœqb Ges wb¤œweË‡ì mnR k‡Z© FY cÖ`vb| eZ©gv‡b Rwb GKRb mdj eëmvqx| K. GKK e¨vsK Kx? 1 L. e¨vsK Kxfv‡e A‡_©i wbivcËv w`‡q _v‡K? e¨vL¨v Ki| 2 M. KvVv‡gvwfwËK †kÖwYKi‡Y Ôkvcjv e¨vsKÕ †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 N. Rwbi eëmvq mdjZvq DÏxc‡K DwjøwLZ ÔUMi e¨vsKÕ Gi f‚wgKv g~j¨vqb Ki| 4

11 K‡qK eQi a‡i ÔKÕ I ÔLÕ e¨vs‡Ki gybvdvi nvi K‡g hvIqvq, D³ e¨vsK ÔMÕ e¨vs‡Ki mv‡_ GKwÎZ n‡q Ôiƒcmx e¨vsKÕ bv‡g AvZ¥cÖKvk K‡i| Ôiƒcmx e¨vsKÕ gvP© gv‡m Zvi Av‡qi †ewki fvM Ask w`‡q ÔivRbv cÖK‡íÕ wewb‡qvM K‡ib| PjwZ eQ‡ii AvM÷ gv‡m Zvi yRb MÖvnK eo A‡¼i UvKv D‡Ëvjb Ki‡Z PvB‡j Ôiƒcmx e¨vsKÕ Zv ZvrÿwYKfv‡e cÖ`vb Ki‡Z e¨_© nq| Z‡e D³ e¨vsKwU †WweU KvW©, †µwWU KvW©, wfmv KvW© I GmGgGm e¨vswKs Gi gva¨‡g MÖvnK mš‘wó AR©b K‡i Ges MÖvn‡Ki mKj wnmv‡ei †MvcbxqZv iÿvi e¨vcv‡i wek¦ ÍZv AR©b K‡i| K. msiwÿZ Znwej Kx? 1 L. e¨vswKs Kvh©µ‡g wek¦¯ÍZv †Kb cÖ‡qvRb? e¨vL¨v Ki| 2 M. KvVv‡gvwfwËK †kÖwYweb¨vm we‡ePbvq, DÏxc‡Ki Ôiƒcmx e¨vsKÕ †Kvb ai‡bi

e¨vsK? eY©bv Ki| 3 N. e¨vswKs eëmv‡qi bxwZgvjvi Av‡jv‡K Ôiƒcmx e¨vs‡KiÕ Kvh©µg g~j¨vqb Ki| 4


40 XvKv †evW© 2020



1 Iqvmwdqv †Kvs wj. GKwU weL¨vZ Ilya cÖ ‘ZKvix cÖwZôvb| RbM‡Yi wbKU †kqvi wewµ K‡i 20,00,000 UvKv g~jab wb‡q cÖwZôvbwU Zvi Kvh©µg ïiæ K‡i| fwel¨‡Z Jl‡ai g~j¨ n«vm cvIqvi Avk¼v Av‡Q weavq cÖwZôvbwU Jla wk‡íi cvkvcvwk †fvM¨cY¨, †U·UvBj Ges w÷j BZ¨vw` †ÿ‡Î g~jab wewb‡qvM K‡i| cÖwZôvbwU ˆ`wbK weµqjä A_© †ewk jv‡fi Avkvq mgZv e¨vs‡K 14% my‡ì nv‡i Rgv iv‡L| d‡j KuvPvgvj µq, kÖwg‡Ki gRywi Ges we`y¨r wej cwi‡kv‡ai †ÿ‡Î cÖwZôvbwU‡K wngwkg †L‡Z nq| K. PjwZ wewb‡qvM wm×všÍ Kx? 1 L. cÖwZ‡hvwMZvg~jK gy³evRv‡i cÖwZôvb‡K †Kb cwiKíbvgvwdK

A_©vqb Ki‡Z nq? e¨vL¨v Ki| 2 M. Iqvmwdqv †Kvs wj. †Kvb †kÖwYi A_©vqb K‡i‡Q? e¨vL¨v Ki| 3 N. A_©vq‡bi bxwZgvjvi Av‡jv‡K Iqvmwdqv †Kvs wj. Gi Kvh©µ‡gi

†hŠw³KZv g~j¨vqb Ki| 4 2 Rbve nvweev wZZvm e¨vsK †_‡K 5,00,000 UvKv FY MÖnY K‡i Ôgv

e¯¿vjqÕ bv‡g GKwU eëmv ïiæ K‡ib| wKš‘ cÖwZôvbwU F‡Yi my cwi‡kv‡a e¨_© n‡j wZZvm e¨vsK GK ch©v‡q AvB‡bi AvkÖq MÖnY K‡i| Aciw`‡K nvweevi eo fvB Rbve nvweeyjøvn kvcjv I †MvgwZ cÖK‡íi †h‡Kv‡bv GKwU‡Z wewb‡qvM Ki‡Z Pvb| kvcjv cÖK‡íi m¤¢ve¨ 5 eQ‡ii Avq h_vµ‡g 15%, 10%, 7%, 18% I 20%| Aciw`‡K †MvgwZ cÖK‡íi Mo Avq 11.2% I Av`k© wePz¨wZ 14.8%| K. AwbðqZv Kx? 1 L. mvaviY †kqv‡ii jf¨vsk †Kb SzuwKeûj Avq? e¨vL¨v Ki| 2 M. Ôgv e¯¿vjqÕ †Kvb ai‡bi SzuwKi m¤§yLxb n‡q‡Q? eY©bv Ki| 3 N. Rbve nvweeyjøvni Rb¨ †Kvb cÖKíwU Dchy³ e‡j Zzwg g‡b Ki?

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60,000 UvKv Ges cÖK‡íi †gqv` 4 eQi| RyuB cÖKí †_‡K AvMvgx 4 eQ‡ii cÖv°wjZ Avq h_vµ‡g 40,000 UvKv, 60,000 UvKv, 50,000 UvKv I 80,000 UvKv| PjwZ LiP Av‡qi 20%, ’vqx LiP 5,000 UvKv Ges Ki 30%| Aciw`‡K, †ewj cÖK‡íi KicieZ©x gybvdv 4,000 UvKv, 5,000 UvKv, 8,000 UvKv I 6,000 UvKv| †ewj cÖK‡íi Mo gybvdvi nvi 19.17%| K. g~jab ev‡RwUs Kv‡K e‡j? 1 L. gvwjK †i÷z‡i‡›U d¨v‡bi cwie‡Z© Gwm jvMv‡j g~jab ev‡RwUs-Gi

†Kvb ai‡bi cÖ‡qvM n‡e? e¨vL¨v Ki| 2 M. †ewj cÖK‡íi †c-e¨vK mgq wbY©q Ki| 3 N. ABC †Kv¤úvwbi Rb¨ †Kvb cÖKíwU AwaK MÖnY‡hvM¨? Mo gybvdvi

nv‡ii wfwË‡Z gZvgZ `vI| 4 4 Avwgb w÷j dvwb©Pvi d¨v±wi GKwU bZzb †kv-iæg Pvjy Ki‡Z 5 jÿ UvKvi

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K‡i‡Q? e¨vL¨v Ki| 3 N. Rbve mvwR‡ì Rb¨ †Kvb wewb‡qvM nvwZqviwU Dchy³ Zv mycvwik Ki| 4

6 gyb †Kv¤úvwbi GKwU bZzb cÖKí MÖn‡Yi Rb¨ 20 jÿ UvKvi cÖ‡qvRb| Zv‡ì 22 jÿ UvKv evwl©K 10% nvi my‡` mwÂwZ Znwej wn‡m‡e e¨vs‡K Rgv Av‡Q| e¨vsK n‡Z D³ UvKv D‡Ëvjb K‡i bZzb cÖKíwU MÖnY Kiv †hZ| wKš‘ †Kv¤úvwb evwl©K 13% nvi my‡ì 5 eQi †gqv‡` 20 jÿ UvKv e¨vsK FY MÖnY K‡i cÖKíwU Pvjy K‡i| gyb †Kv¤úvwbi Ki nvi 30%| eZ©gvb eQ‡i †Kv¤úvwb †kqvicÖwZ 12 UvKv mvaviY †kqvi‡nvìvi‡ì jf¨vsk cÖ`vb K‡i| cÖwZeQi jf¨vsk cÖ`v‡bi e„w×i nvi 8%| mvaviY †kqv‡ii eZ©gvb evRvig~j¨ 140 UvKv| K. Kvg¨ FYbxwZ Kx? 1 L. g~jab LiP ej‡Z Kx †evSvq? 2 M. gyb †Kv¤úvwbi mvaviY †kqv‡ii g~jab e¨q wbY©q Ki| 3 N. g~jab Li‡Pi we‡ePbvq gyb †Kv¤úvwbi FY MÖn‡Yi †hŠw³KZv we‡kølY Ki| 4

L-wefvM : e¨vswKs 7 cuvP eÜy GKwÎZ n‡q Kzwgjøvq B bv‡g GKwU e¨vsK cÖwZôv K‡i| B e¨vsKwU A

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8 Rbve Ryev‡qi GKRb PvKwiRxex| wZwb kn‡i _v‡Kb| GjvKvq K‡qKwU e¨vsK i‡q‡Q| e¨vsK¸‡jv‡Z me ai‡bi myweav _vKv m‡Ë¡I †K›`ªxq e¨vs‡Ki †Kv‡bv ¯^xK…wZ bv _vKvq wZwb evmv †_‡K A‡bK `~‡i wM‡q ÔmyMÜvÕ bvgK e¨vs‡K wnmve †Lv‡jb| e¨vsKwU‡Z me ai‡bi my‡hvM-myweav i‡q‡Q| Ryev‡qi evmvq ev Awd‡m e‡mB e¨vsK †jb‡`‡bi Z_¨ Rvb‡Z cv‡ib| D³ e¨vsK †_‡K wZwb Riæwi cÖ‡qvR‡b †h‡Kv‡bv mg‡q UvKv DVv‡Z cv‡ib| d‡j e¨vsKwUi mybvg DË‡ivËi e„w× cvq| K. RFCD-Gi c~Y©iƒc †jL| 1 L. e¨vsK Kxfv‡e RbM‡Yi g‡a¨ mÂ‡qi cÖeYZv m„wó K‡i? e¨vL¨v Ki| 2 M. Rbve Ryev‡qi myMÜv e¨vs‡K wnmve †Lvjvi †ÿ‡Î †Kvb welqwU

we‡ePbv K‡i‡Qb? eY©bv Ki| 3 N. myMÜv e¨vs‡Ki mdjZvi KviY we‡kølY Ki| 4

9 miKv‡ii me ai‡bi ivR¯^ †hgb : AvqKi, f¨vU, ïé BZ¨vw` Av`vq nIqvi ci D e¨vsK Rgv iv‡L| miKvi D e¨vsK †_‡K A_© wb‡q wewfbœ Lv‡Z e¨q K‡i| C e¨vsK Avw_©K msK‡U co‡j Ab¨ †Kv‡bv e¨vs‡K A_© bv †c‡q D e¨vs‡Ki Kv‡Q †Mj| C e¨vs‡Ki Avgvb‡Zi GKUv Ask D e¨vs‡Ki wbKU Rgv _vKvq D e¨vsK cÖ‡qvRbxq A_© C e¨vsK‡K w`j| K. gnvgvb¨ ivóªcÖwZ KLb evsjv‡`k e¨vsK cÖwZôvi Aa¨v‡`k Rvwi K‡ib? 1 L. Clearing House Kx? e¨vL¨v Ki| 2 M. miKv‡ii e¨vsK wn‡m‡e D e¨vs‡Ki m¤úvw`Z KvRwU e¨vL¨v Ki| 3 N. DÏxc‡Ki Av‡jv‡K C I D e¨vs‡Ki m¤úK© g~j¨vqb Ki| 4

10 Rbve Rvgvj DÏxb GKRb Kvco eëmvqx| wZwb 2008 mv‡j wgZvwj e¨vs‡K GKwU wnmve †Lv‡jb| Gici †_‡K wZwb wbqwgZ e¨vs‡K UvKv Rgv w`‡”Qb Ges D‡Ëvjb Ki‡Qb| 2010 mv‡j wZwb evwo wbg©v‡Yi mgq Rwgi `wjj eÜK †i‡L wgZvwj e¨vsK n‡Z 60 jÿ UvKv 5 eQ‡i cwi‡kv‡ai k‡Z© FY MÖnY K‡ib| Rbve Rvgvj DÏxc‡bi Ae‡njvi Kvi‡Y wgZvwj e¨vsK Av`vj‡Zi gva¨‡g evwoi gvwjKvbv jvf K‡ib| K. e¨vsK Kxfv‡e g‡°‡ji cÖvc¨ my` cÖ vb K‡i? 1 L. ûKzg †PK‡K †Kb `vMKvUv †P‡K iƒcvšÍi Kiv nq? e¨vL¨v Ki| 2 M. MÖvnK wn‡m‡e Rbve Rvgvj DÏxb wgZvwj e¨vs‡Ki cÖwZ †Kvb `vwqZ¡

cvj‡b Ae‡njv K‡i‡Q? e¨vL¨v Ki| 3 N. MÖvnK I e¨vs‡Ki m¤ú‡K©i Av‡jv‡K Rbve Rvgvj DÏx‡bi Kvh©µg

g~j¨vqb Ki| 4 11 Rbve Avnmvb †MvgwZ e¨vsK wj.-Gi GKRb MÖvnK| e¨vsKwU 2005 mvj

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K-wefvM : wdb¨vÝ 1 B‡jKwUªK mvgMÖx we‡µZv Rbve bvwmi DwÏb m¤úÖwZ eëmvq evov‡bvi

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we‡kølY Ki| 4 3 Rbve widvZ mv‡n‡ei `ywU cÖK‡íi weMZ 4 eQ‡ii Av‡qi nvi wb¤œiƒc :

eQi 2015 2016 2017 2018 cÖKí-K 20% 15% 5% 10%

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6 ïf I mwRe 'ABC' †Kv¤úvwbi gvwjK| mwRe †Kv¤úvwbi mvaviY mfvq AskMÖn‡Yi cvkvcvwk wbR¯^ gZ cÖKv‡k †fvUvwaKvi cÖ‡qvM K‡ib| Zvi gybvdvi Ask wbwðZ bq| Aciw`‡K ïfi gybvdvi Ask wbwðZ| wKš‘ wbR¯^ gZ cÖKvk Ki‡Z cv‡ib bv| K. eÛ Kx? 1 L. GKwU †Kv¤úvwb KLb †evbvm †kqvi cÖ`vb K‡i? e¨vL¨v Ki| 2 M. DÏxc‡Ki mwRe †Kvb ai‡bi †kqvi gvwjK? eY©bv Ki| 3 N. Zzwg wK g‡b Ki Òïfi †kqviwU mwR‡ei †kqvi n‡Z SzuwKgy³Ó?

DÏxc‡Ki Av‡jv‡K we‡kølY Ki| 4

L-wefvM : e¨vswKs 7 iƒcmv e¨vsK êa Aby‡gv`b wb‡q 2015 mv‡j MwVZ nq| G e¨vsK RbM‡Yi

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h_vh_fv‡e `vwqZ¡ cvjb K‡i‡Q? we‡kølY Ki| 4 11 'A' I 'B' `ywU e¨vsK| B e¨vsK wewfbœ wel‡q 'A' e¨vs‡Ki g‡Zv Ab¨vb¨

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Aej¤^b| ii. MÖvn‡Ki wbivcËvi ¯^v‡_© wewae× wiRvf© e„w×KiY| iii. ch©vß bM` A_© msiÿY| K. e¨vs‡Ki AvgvbZ Kx? 1 L. ZvwjKvfz³ e¨vsK AZvwjKvfz³ e¨vsK n‡Z wbivc` †Kb? e¨vL¨v Ki| 2 M. DÏxc‡Ki B e¨vsK †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. e¨vsK eëmv‡qi g~jbxwZi Av‡jv‡K A e¨vs‡Ki †ÿ‡Î civg‡k©i

†hŠw³KZv we‡kølY Ki| 4


42 h‡kvi †evW© 2020



K-wefvM : wdb¨vÝ 1 wg. dvnv` A‡bK wPšÍvfvebv K‡i ’vbxq evRv‡i GKwU gwbnvwi

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nb? eY©bv Ki| 3 N. e„n`vqZb Kvievwi cÖwZôv‡bi Zzjbvq wg. dvnv‡ì eëmv‡qi

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L-wefvM : e¨vswKs 7

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5 Rbve wmivR eëmvq Kivi wm×všÍ wb‡jb| wZwb Avq-e¨q cÖv°jb K‡i †`L‡jb †h, cÖK‡íi cÖv_wgK wewb‡qvM 1 †KvwU UvKv| cÖKíwUi †gqv`Kvj 5 eQi| 5 eQ‡ii Kic~e© Avq h_vµ‡g 10 jÿ, 15 jÿ, 10 jÿ, 18 jÿ I 20 jÿ UvKv| cÖK‡íi Ki nvi 40%| K. AePq Kx? 1 L. g~jab ev‡RwUs Abygvbwbf©i †Kb? e¨vL¨v Ki| 2 M. Rbve wmiv‡Ri Mo gybvdvi nvi wbY©q Ki| 3 N. †c-e¨vK mgq wbY©q K‡i cÖKíwU‡Z wewb‡qv‡Mi †hŠw³KZv

we‡kølY Ki| 4 6 Rbve gvwn Zvi UvKv Ggb †kqv‡i wewb‡qvM Ki‡Z Pvb †hLv‡b wZwb

†Kv¤úvwbi gvwjKvbv cv‡eb| gybvdvmsµvšÍ AwbðqZv _vK‡jI wZwb †kqv‡i wewb‡qvM K‡ib| Aciw`‡K Zvi eÜy Avjg mv‡ne Ggb wKQy †kqv‡i wewb‡qvM K‡ib †hLv‡b wbw`©ó nv‡i jf¨vsk †c‡jI †Kv¤úvwbi gvwjKvbv cvbwb| GRb¨ wZwb wbw`©ó mgq ch©šÍ A‡cÿv Ki‡Qb|

K. †Kvb ai‡bi †kqvi‡K cÖeZ©‡Ki †kqvi ejv nq? 1 L. msiwÿZ Av‡qi e¨q ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. Rbve gvwn †Kvb †kqv‡i wewb‡qvM K‡i‡Qb? eY©bv Ki| 3 N. Avjg mv‡n‡ei †Kv¤úvwbi gvwjKvbv cvIqvi m¤¢vebv Av‡Q

Kx? hyw³ †`LvI| 4 L-wefvM : e¨vswKs

7 ÔcÙvÕ GKwU cyivZb e¨vsK| miKvwi A‡_© e¨vsKwUi cyuwR msM„nxZ nq| †`‡ki wewfbœ ’v‡b A‡bK kvLvi gva¨‡g e¨vsKwU MÖvnK‡ì †mev cÖ`vb K‡i Avm‡Q| RbMYI e¨vsKwU‡K Ôwb‡R‡ì e¨vsKÕ g‡b Ki‡Z ïiæ K‡i‡Q| K. †Kvb Avgvb‡Z my` cvIqv hvq bv? 1 L. e¨vs‡Ki wgZe¨wqZvi bxwZ ej‡Z Kx †evSvq Zv e¨vL¨v Ki| 2 M. gvwjKvbvi wfwË‡Z e¨vsKwU †Kvb ai‡bi e¨vsK? DÏxc‡Ki

Av‡jv‡K e¨vL¨v Ki| 3 N. Òe¨vsKwUi mvdj¨ AR©b m‡šÍvlRbKÓ g~j¨vqb Ki| 4

8 bvwmd GKRb eëmvqx| eëmv m¤úÖmviY Kivi Rb¨ wZwb Ô†MvgZx e¨vsKÕ †_‡K FY MÖn‡Yi wm×všÍ wb‡q‡Qb| e¨vs‡Ki g¨v‡bRvi Zv‡K Ô†MvgZx e¨vs‡KÕ GKwU wnmve †Lvjvi Rb¨ civgk© †`b| KviY F‡Yi UvKv H wnmv‡eB Rgv Kiv n‡e| bvwmd †mLvb †_‡K UvKv D‡Ëvjb K‡i eëmvq wewb‡qvM Ki‡Z cvi‡eb| GwU †MvgZx e¨vs‡Ki GKwU cÖavb KvR| K. `ªe¨ wewbgq cÖ_v Kx? 1 L. evwYwR¨K e¨vsK Kxfv‡e abx `wi‡`ªi êlg¨ n«vm K‡i? e¨vL¨v Ki| 2 M. Ô†MvgZx e¨vs‡KiÕ cÖavb KvRwUi bvg D‡jøL K‡i Zvi aib

e¨vL¨v Ki| 3 N. Rbve bvwm‡di FY MÖnY Kvh©µg †MvgZx e¨vs‡Ki Av‡qi

Drm wnmv‡e we‡ewPZ n‡e g~j¨vqb Ki| 4 9 gymZvCb XvKv wek¦we`¨vj‡q covïbv K‡i| Zvi evev ivRkvnx

†_‡KB gymZvC‡bi e¨vsK wnmv‡e UvKv Rgv K‡i †`b| †m †WweU Kv‡W©i gva¨‡g †h‡Kv‡bv mgq cÖ‡qvRbxq UvKv Zz‡j †bq| UvKv DVv‡bvi Rb¨ GLb †m Avi e¨vs‡K hvq bv| K. AvgvbZ Kx‡mi g~j Drm? 1 L. †WweU KvW© I †µwWU Kv‡W©i cv_©K¨ †jL| 2 M. gymZvCb †Kvb ai‡bi e¨vswKs-Gi mv‡_ RwoZ? e¨vL¨v Ki| 3 N. Òe¨vswKs c×wZwU gymZvC‡bi wkÿvi c_‡K myMg K‡i‡QÓ

we‡kølY Ki| 4 10 Rbve wknve ÔkxZj e¨vs‡KiÕ GKRb MÖvnK| wZwb kxZj e¨vsK

†_‡K 5 eQ‡ii Rb¨ 1,00,000 UvKv FY wb‡qwQ‡jb Ges mgqg‡Zv cwi‡kvaI K‡i‡Qb| Ab¨ GK MÖvnK Rbve ev‡Zb `xN©w`b a‡i FY cwi‡kva K‡ibwb| e¨vsK †LuvR wb‡q Rvb‡Z cv‡i †h, wZwb gvbwmKfv‡e Amy ’| Zvi c‡ÿ FY cwi‡kva m¤¢e bq| ZvB e¨vsK Zvi mv‡_ m¤ú‡K©i Aemvb NUv‡bvi wm×všÍ wb‡q‡Q| K. KZ mv‡j evsjv‡`‡k Bmjvwg e¨vswKs Pvjy nq? 1 L. PvKwiRxex‡ì Rb¨ we‡kl ¸iæZ¡ enbKvix e¨vsK wnmve

†KvbwU? e¨vL¨v Ki| 2 M. Rbve wknve ÔkxZj e¨vs‡KiÕ cÖwZ †Kvb `vwqZ¡wU cvjb

K‡i‡Qb? eY©bv Ki| 3 N. Rbve ev‡Z‡bi mv‡_ kxZj e¨vs‡Ki m¤ú‡K©i Aemvb

NUv‡bvi †hŠw³KZv g~j¨vqb Ki| 4 11 ABC e¨vs‡Ki eë ’vcbv cwiPvjK Rbve Lvqiæj Avjg e¨vs‡Ki

Avq evov‡bvi Rb¨ AwaK gvÎvq FY cÖ`vb ïiæ K‡ib| cÖ_g w`‡K fv‡jv gybvdv Ki‡jI e¨vsKwU GK mgq Zvij¨ msK‡U c‡o| e¨vsKwU Avw_©K msKU †gvKvwejvi Rb¨ PC e¨vs‡Ki kiYvcbœ n‡j Zv‡ì mnvqZvq ABC e¨vsK †`DwjqvZ¡ †_‡K gyw³ cvq| K. evwYwR¨K e¨vs‡Ki gyL¨ D‡Ïk¨ Kx? 1 L. e¨vsK †Kb PvwnevgvÎ AvgvbZKvixi UvKv †diZ w`‡Z eva¨ _v‡K? 2 M. ABC e¨vs‡Ki mv‡_ PC e¨vs‡Ki Kxiƒc m¤úK© we`¨gvb? e¨vL¨v Ki| 3 N. ABC e¨vs‡Ki †kl AvkÖq ’j wnmv‡e PC e¨vs‡Ki f‚wgKv

g~j¨vqb Ki| 4


45 wm‡jU †evW© 2020



K-wefvM : wdb¨vÝ 1 Rbve gvayix GKRb d¨vkb wWRvBbvi| wZwb wbZ¨bZzb †cvkvK

wWRvBb K‡i †ek mdj n‡q‡Qb| eëmv‡q wZwb wbR¯ g~jab eënvi K‡ib| hw` KL‡bv g~ja‡bi NvUwZ nq, †m‡ÿ‡Î wZwb †µZvi KvQ †_‡K AwMÖg MÖnY K‡ib| G‡Z Zuvi g~jabRwbZ mgm¨v jvNe nq Ges eëmvwqK Kvh©µg mPj _v‡K| K. FYcÎ Kx? 1 L. A_©vqb ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. DÏxc‡Ki Av‡jv‡K msM„nxZ Znwej †Kvb ai‡bi Znwe‡ji

AšÍM©Z Zv e¨vL¨v Ki| 3 N. eëmvq cÖwZôvb Pvjy ivL‡Z Rbve gvayixi Rb¨ †Kvb ai‡bi

Znwej AwaK hyw³hy³ e‡j Zzwg g‡b Ki? Zv we‡kølY Ki| 4 2 Rbve gvgyb 5 eQ‡ii Rb¨ 8 jÿ UvKv e¨vs‡K Rwg‡q ivL‡Z Pvb|

GRb¨ cÙv e¨vsK evwl©K 8% nv‡i Ges wZ Ív e¨vsK ˆÎgvwmK Pµe„w×‡Z 7% nv‡i my` †Ìqvi cÖ¯Íve w`‡q‡Q| K. A‡_©i mgqg~j¨ Kx? 1 L. my‡hvM e¨q ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. Rbve gvgyb 5 eQi ci cÙv e¨vsK †_‡K KZ UvKv cv‡e Zv

wbY©q Ki| 3 N. Rbve gvgy‡bi Rb¨ wZ¯Ív e¨vs‡Ki cÖ¯Íve jvfRbK n‡e e‡j

Zzwg wK g‡b Ki? we‡kølY Ki| 4 3 wibv Zuvi †cbk‡bi UvKv GKwU †Kv¤úvwb‡Z wewb‡qvM K‡ib| ÔKÕ

Lv‡Z †Kv¤úvwb RvgvbZ wn‡m‡e ’vqx m¤ú` Rgv ivL‡jI ÔLÕ Lv‡Z †Kv¤úvwb †Kv‡bv m¤ú` Rgv iv‡Lwb| wKš‘ Dfq Lv‡Z †Kv¤úvwb wbw`©ó nv‡i jvf w`‡q _v‡K| K. m~PK eënvi Kiv nq †Kb? 1 L. Òe¨vs‡Ki AvgvbZ msMÖn Ges FY cÖ`vb G‡K A‡bï Dci

wbf©ikxjÓ e¨vL¨v Ki| 2 M. DÏxc‡K wewb‡qvMK…Z LvZ¸‡jv Kx Kx? e¨vL¨v Ki| 3 N. DÏxc‡Ki `yÕwU wewb‡qv‡Mi g‡a¨ †Kvb Lv‡Z wewb‡qvM AwaK

wbivc` e‡j Zzwg g‡b Ki? gZvgZ `vI| 4 4 †Zvgvi eÜy GKwU cÖK‡í wewb‡qvM Ki‡Z Pvq| Zuvi mvg‡b `yÕwU cÖK‡íi

Z_¨ i‡q‡Q| cÖKí `ywUi weMZ 5 eQ‡ii Z_¨ wb‡P †Ìqv n‡jv : 2014 2015 2016 2017 2018

cÖKí-K 12% 15% 17% 16% 19% cÖKí-L 15% 09% 16% 15% 10%

K. SzuwK Kx? 1 L. Zvij¨ SzuwK †Kb m„wó nq? e¨vL¨v Ki| 2 M. ÔKÕ cÖK‡íi eëav‡bi e‡M©i †hvMdj wbY©q Ki| 3 N. hw` ÔKÕ cÖK‡íi Av`k© wePz¨wZ 7.25% nq Z‡e †Zvgvi eÜy‡K

†Kvb cÖK‡í wewb‡qvM Kivi civgk© w`‡e? gZvgZ `vI| 4 5 weGg †UªwWs 5 jÿ UvKvi hš¿cvwZ we‡`k †_‡K Avg`vwb K‡i|

hš¿cvwZ¸‡jvi Avqy®‹vj 5 eQi Ges evwl©K AePq 1 jÿ UvKv| AvMvgx 5 eQi †gwkb¸‡jv †_‡K cÖvc¨ wbU gybvdv wb¤œiƒc :

eQi 1g 2q 3q 4_© 5g wbU gybvdv 50,000 70,000 80,000 85,000 90,000

K. bM`cÖevn Kx? 1 L. g~jab ev‡RwUs Kx‡mi Dci wbf©i K‡i? e¨vL¨v Ki| 2 M. weGg †UªwWs-Gi Mo gybvdvi nvi wbY©q Ki| 3 N. weGg †UªwWs-Gi wewb‡qvM †hŠw³K wK-bv Zv †c-e¨vK mgq

wbY©‡qi gva¨‡g wm×všÍ `vI| 4 6 gvwn †UªWv‡m©i cwi‡kvwaZ g~jab 10 †KvwU UvKv| hvi g‡a¨ mvaviY

†kqvi 40%, AMÖvwaKvi 45% Ges Aewkó FY g~jab| 6% AMÖvwaKvi †kqvi Ges FYK…Z g~ja‡bi my‡ì nvi 10%| mvaviY †kqvi I AMÖvwaKvi †kqv‡ii evRvig~j¨ h_vµ‡g 300 UvKv I 250

UvKv| †Kv¤úvwb G eQi †kqvicÖwZ 15 UvKv jf¨vsk †NvlYv K‡i Ges AZx‡Z jf¨vs‡ki e„w×i nvi wQj 5%, Ki nvi 25%| K. Kvg¨ FY bxwZ Kx? 1 L. g~jab e¨q wbY©q ¸iæZ¡c~Y© †Kb? e¨vL¨v Ki| 2 M. gvwn †UªWv‡m©i mvaviY †kqvi g~jab e¨q wbY©q Ki| 3 N. gvwn †UªWv‡m©i Mo g~jab e¨q wbY©q Ki| 4

L-wefvM : e¨vswKs 7 Rbve ivqnvb GKwU KviLvbv ’vcb Ki‡Z Pvb| GRb¨ wZwb ’vbxq

GKwU e¨vsK †_‡K m¤úwË eÜK †i‡L 10 eQ‡ii Rb¨ 5 †KvwU UvKv F‡Yi Av‡e`b Ki‡j e¨vsK g¨v‡bRvi Rvbv‡jb `xN©‡gqv‡ì Rb¨ GB UvKv FY †Ìqv Am¤¢e| K. e¨vswKs Kx? 1 L. `vMKvUv †P‡Ki ¸iæZ¡ Kx? e¨vL¨v Ki| 2 M. e¨vswKs Kvh©vewji wfwË‡Z DÏxc‡Ki e¨vsKwU †Kvb ai‡bi

e¨vsK? eY©bv Ki| 3 N. e¨vsK g¨v‡bRvi `xN©‡gqv‡` FY w`‡Z AcviMZv cÖKv‡ki

KviY e¨vswKs eëmv‡qi g~jbxwZi Av‡jv‡K g~j¨vqb Ki| 4 8 Rbve iv¾vK ÔKÕ e¨vs‡Ki g¨v‡bRvi| wZwb g‡b K‡ib MÖvnK‡K †ewk

FY w`‡Z cvi‡j †ewk gybvdv AR©b Ki‡Z cvi‡eb| ZvB wZwb †ewk †ewk FY w`‡Z B”QzK| wKš‘ GKwU wbw`©ó e¨vs‡Ki AbygwZ Qvov †ewk FY w`‡Z cvi‡eb bv| Gi d‡j miKvi‡K ¸iæZ¡c~Y© mnvqZv Kiv nq| K. e¨vs‡Ki wbKU AvgvbZ Kx? 1 L. cÖZ¨qcÎ Kx? e¨vL¨v Ki| 2 M. e¨vsK g¨v‡bRv‡ii B”Qv _vKv m‡Ë¡I †ewk FY w`‡Z bv cvivi

KviY Kx? eY©bv Ki| 3 N. ÔKÕ e¨vsK‡K Kg FY †Ìqvi Av‡`‡ki gva¨‡g DÏxc‡Ki

wbw`©ó e¨vsKwU Kxfv‡e miKvi‡K mnvqZv K‡i? g~j¨vqb Ki| 4 9 miKvi KZ…©K cwiPvwjZ GKwU cÖwZôvb †_‡K Kw¤úDUv‡ii Ici

cÖwkÿY MÖnY K‡i Rbve iv‡mj GKwU Kw¤úDUvi cÖwkÿY †K›`ª ’vcb K‡ib| Zvi wnmve cwiPvjbvi Rb¨ wZwb wbKU ’ GKwU

e¨vs‡K eëmv‡qi bv‡g wnmve †Lv‡jb| wZwb cÖwZw`b K‡qKevi UvKv Rgv w`‡Z Ges D‡Ëvjb Ki‡Z cv‡ib| cieZ©x‡Z eëmv‡qi cwiwa e„w× cvIqvq Zuv‡K mviv †`k ågY Ki‡Z nq| K. †PK Kx? 1

L. †µwWU KvW© GK ai‡bi e¨w³MZ FY e¨vL¨v Ki| 2 M. Rbve iv‡mj †Kvb ai‡bi wnmve †Lv‡jb Zv e¨vL¨v Ki| 3 N. Rbve iv‡m‡ji Rb¨ AbjvBb e¨vswKs myweavRbK †Kb Zv

DÏxc‡Ki Av‡jv‡K g~j¨vqb Ki| 4 10 Rbve dvnv` GKRb PvDj eëmvqx| wZwb Rbve ˆmKZ‡K 3,00,000

UvKvi GKwU †PK w`‡jb| Rbve ˆmKZ †`L‡jb †PKwU‡Z Zvi wb‡Ri bvg †jLv i‡q‡Q| wZwb wbivcËvi K_v we‡ePbv K‡i †PKwUi evg †Kv‡Yi Dc‡i AvovAvwofv‡e mgvšÍivj K‡i `ywU †iLv †U‡b w`‡jb| K. e¨vsK Kx? 1 L. †WweU KvW© Kx? e¨vL¨v Ki| 2 M. Rbve dvnv` †Kvb ai‡bi †PK Bmy¨ K‡i‡Q Zvi eY©bv `vI| 3 N. Rbve ˆmK‡Zi M„nxZ c`‡ÿc Kxfv‡e †PKwU‡K AwaK

wbivcËv w`‡e? eY©bv Ki| 4 11 wgwmi Avjx GKRb e¨vsK Kg©KZ©v| Zuvi eÜy Zv‡K Zuvi e¨vsK

m¤ú‡K© Rvb‡Z PvB‡j wZwb e‡jb, Zvi e¨vsKwU †`‡ki Ab¨vb¨ mKj e¨vs‡Ki I Avw_©K cÖwZôv‡bi wbqš¿K| GQvovI bZzb e¨vsK ev e¨vs‡Ki kvLv †Lvjvi AbygwZ w`‡q _v‡K| K. e¨vswKs eëmv‡qi g~jgš¿ Kx? 1 L. wbKvk Ni Kx? e¨vL¨v Ki| 2 M. Rbve wgwmi Avjx †Kvb e¨vs‡Ki Kg©KZ©v? e¨vL¨v Ki| 3 N. e¨vswKs Lv‡Z D³ e¨vsKwUi f‚wgKv we‡kølY Ki| 4





K-wefvM : wdb¨vÝ 1 Rbve cjvk †g‡nicyi †Rjvq wkgyjZjx nv‡U GKwU †Kvgj cvwbi

†`vKvb †`b| iweevi wkgyjZjx‡Z mvßvwnK nvU e‡m| nv‡Ui w`b †jvKmgvMg †ewk nq| Rbve cjvk †Kvgj cvbxq weµq e„w×i D‡Ï‡k¨ ÔRqšÍx e¨vsKÕ, †g‡nicyi kvLv n‡Z 7 eQi †gqvw` cÂvk nvRvi UvKv FY wb‡q GKwU wd«R µq K‡ib| K. ¯^í‡gqvw` A_©vqb Kx? 1 L. Dchy³Zvi bxwZ Kx? e¨vL¨v Ki| 2 M. Rbve cjv‡ki wd«R µ‡qi B”Qv †Kvb ai‡bi wm×všÍ? e¨vL¨v Ki| 3 N. ÔRqšÍx e¨vsKÕ KZ…©K cÖ`Ë FY †gqv‡ì wfwË‡Z †Kvb ai‡bi

Znwej? e¨vL¨vmn †Zvgvi gZvgZ `vI| 4 2 mygb GKRb abx K…lK| wZwb avb wewµ K‡i 60,000 UvKv cvb|

D³ UvKv wbKU ’ Ôiƒcvjx e¨vs‡KÕ evwl©K 11% my‡` Rgv iv‡Lb| wbw`©ó mgq ci wZwb wKQy UvKv Rgvi Avkv Ki‡Qb| hv w`‡q evwoi mwbœK‡U 1 weNv Rwg µq Ki‡eb| K. A‡_©i mgqg~‡jï g~j KviY Kx? 1 L. iæj-72-Gi aviYvwU e¨vL¨v Ki| 2 M. 5 eQi ci myg‡bi e¨vsK wnmv‡e †gvU KZ UvKv Rgv n‡e? wbY©q Ki| 3 N. 3 gvm AšÍi Pµe„w× n‡j myg‡bi wnmv‡e 5 eQi ci KZ UvKv Rgv

n‡e? †Kvb Ae ’vq UvKv ivLv Zvi Rb¨ jvfRbK gZvgZ `vI| 4 3 XvKvi mšÍvb Rbve eveyj GKRb wewb‡qvMKvix| wZwb A‡bK

†f‡ewP‡šÍ ÔkvcjvÕ cÖK‡í wewb‡qvM K‡ib| MZ 5 eQ‡i Zvi AwR©Z gybvdvi nvi wQj h_vµ‡g : 10%, 22%, 8%, 20%, 26%| K. †UªRvwi wej †K Bmy¨ K‡i? 1 L. wewb‡qvMKvix mvaviY †kqvi hyw³msMZ g~‡j¨ weµq Ki‡Z bv

cvi‡j †Kvb ai‡bi SzuwKi m„wó nq? eY©bv Ki| 2 M. Rbve evey‡ji ÔkvcjvÕ cÖK‡íi Avq †_‡K ÒMo Av‡qi

eëav‡bi e‡M©i mgwóÓ wbY©q Ki| 3 N. hw` mgvb wewb‡qv‡M Aci GKwU cÖKí ÔcÙvÕ-Gi Av`k© wePz¨wZ

13% nq Z‡e †Kvb cÖKíwU Kg SzuwKc~Y©? gZvgZ `vI| 4 4 †ivRv G›UvicÖvBR 60,000 UvKv 6 eQ‡ii Rb¨ wewb‡qvM Ki‡Z AvMÖnx|

evmšÍx cÖKí †_‡K AvMvgx cuvP eQ‡i h_vµ‡g 18,000 UvKv, 17,000 UvKv, 20,000 UvKv, 10,000 UvKv Ges 30,000 UvKv cv‡eb| Aciw`‡K kÖvešÍx cÖKí †_‡K h_vµ‡g 30,000 UvKv, 20,000 UvKv, 18,000 UvKv 16,000 UvKv Ges 17,000 UvKv cvIqv hv‡e| K. cÖwZôv‡bi A‡_©i AvMgb‡K Kx e‡j? 1 L. Pjgvb c‡Yï cvkvcvwk bZzb cY¨ evRv‡i Qvov‡K Kx e‡j? eY©bv Ki| 2 M. evmšÍx cÖK‡íi †c-e¨vK mgq wbY©q Ki| 3 N. †Kvb cÖK‡í wewb‡qvM Kiv †ivRv G›UvicÖvB‡Ri Rb¨

AwaKZi jvfRbK n‡e? gZvgZ `vI| 4 5 wkgyj †Kvs wj. 2,50,000 UvKv g~ja‡bi 13% gybvdvq 30% AMÖvwaKvi

†kqvi, 55% mvaviY †khvi Ges 15% my‡` Aewkó FY g~ja‡bi gva¨‡g msMÖn K‡ib| †Kv¤úvwbi mvaviY †kqv‡ii ZvwjKv g~j¨ 130 UvKv Ges weµqg~j¨ 90 UvKv| †Kv¤úvwb G eQi 12% jf¨vsk †NvlYv K‡i‡Q Ges cieZ©x eQ‡i Zv 5% e„w×i wm×všÍ wb‡q‡Q| Ki nvi 40%| K. Kvg¨ FY bxwZ Kx? 1 L. AMÖvwaKvi †kqv‡ii e¨q Kx‡mi Ici wbf©ikxj? e¨vL¨v Ki| 2 M. wkgyj †Kvs wj. Gi mvaviY †kqvi g~jab e¨q wbY©q Ki| 3 N. mvaviY †kqvi g~jab e„w× K‡i FY cwi‡kva Kiv †Kv¤úvwbi

Rb¨ Kx jvfRbK? gZvgZ `vI| 4 6 A I B †jLvcov †kl K‡i PvKwi bv †c‡q †kqvi eëmvq ïiæ K‡ib|

Zviv GKwU eo †Kv¤úvwbi `yB ai‡bi †kqvi‡nvìvi| Rbve A †Kv¤úvwbi cwiPvjbvq Ask wb‡Z cv‡ib Ges Zvi †fvUvwaKvi Av‡Q| Aciw`‡K Rbve B H †Kv¤úvwb‡Z jf¨vsk cÖvwßi †ÿ‡Î myweav cvq| K. ivBU †kqvi Kx? 1 L. e‡Û wewb‡qvMKvix‡ì GKwU myweav eY©bv Ki| 2 M. Rbve B †Kvb ai‡bi †kqv‡ii gvwjK? e¨vL¨v Ki| 3 N. Rbve A I B Gi wewb‡qv‡Mi g‡a¨ †Kvb †kqv‡ii wewb‡qvMwU

DËg? Zzjbvg~jK we‡kølY Ki| 4

L-wefvM : e¨vswKs 7 ivRevwo †Rjvi Kzmygcyi evRv‡i iƒcmv e¨vs‡Ki GKwU kvLv i‡q‡Q|

e¨vsKwU RbM‡Yi ÿz`ª ÿz`ª mÂq msMÖ‡ni gva¨‡g wewfbœ ai‡bi AvgvbZ m„wó K‡i Ges eëmvqx‡ì FY †`q| e¨vsKwUi GKwU êwkó¨ n‡”Q, ÒAvgvb‡Zi GKwU wbw`©ó cwigvY A_© e¨vs‡K msiÿY K‡i|Ó hvi d‡j MÖvnK Amš‘wó nq bv| Aciw`‡K e¨vsKwU FY †Ìqvi c~‡e© FYMÖnxZvi Avw_©K m”QjZv, mZZv wePvi Kiv Ges ch©vß RvgvbZ †i‡L FY gÄyi K‡i| K. evwYwR¨K e¨vs‡Ki Av‡qi cÖavb Drm Kx? 1 L. g‡°j‡ì g~jëvb `wjj Rgv †i‡L e¨vsK †Kvb ai‡bi KvR

m¤úbœ K‡i? eY©bv Ki| 2 M. iƒcmv e¨vsK †Kvb bxwZ AbymiY Kivi d‡j MÖvnK mš‘wó

eRvq wQj? e¨vL¨v Ki| 3 N. Ôiƒcmv e¨vsKÕ FY cÖ`v‡bi mgq †hme welq we‡ePbv K‡i‡Q Zv

e¨vswKs eëmv‡qi †Kvb bxwZi mv‡_ mvgÄm¨c~Y©? we‡kølY Ki| 4 8 mybvgM‡Äi dzj`‡ni cvov MÖv‡gi †Q‡j wg. Zv‡iK grm¨ Lvgvi

’vcb Ki‡Z Pvb| G Kvi‡Y Zvi cÖPzi UvKvi cÖ‡qvRb| MÖv‡g ÔwkLv e¨vs‡KiÕ GKwU kvLv i‡q‡Q| hvi cÖavb KvR AvgvbZ MÖnY I FY cÖ`vb| wg. Zv‡iK e¨vs‡K m¤ú` RvgvbZ †i‡L 10 eQ‡ii Rb¨ 5 †KvwU UvKv F‡Yi Av‡e`b Ki‡j e¨vsK g¨v‡bRvi FY w`‡Z Am¤§wZ Ávcb K‡ib| K. mÂ‡qi evnb Kx? 1 L. cÖvc¨ wej evÆvKiY ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. ÔwkLv e¨vsKÕ Kvh©vewji wfwË‡Z †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. wkLv e¨vs‡Ki g¨v‡bRvi FY w`‡Z Am¤§wZ cÖKv‡ki KviY

we‡kølY Ki| 4 9 LvMovQwo kn‡ii wkwÿZ †g‡q‡ì AvZ¥Kg©ms¯’vbg~jK Kv‡R wb‡qvwRZ

Kivi j‡ÿ¨ wg‡mm jveYx Av³vi ÒjveYx Kw¤úDUvi cÖwkÿY †K›`ªÓ ¯’vcb K‡ib| eëmvq cwiPvjbv Kivi Rb¨ wZwb wbKU ’ ÔPuv`bx e¨vs‡KÕ GKwU wnmve †Lv‡jb| D³ wnmv‡e wZwb cÖwZw`b K‡qKevi A_© Rgv †`b| Z‡e mßv‡n `yÕev‡ii †ewk A_© D‡Ëvjb Ki‡Z cv‡ib bv| cieZ©x‡Z wg‡mm jveYx AvaywbK e¨vswKs Gi myweav MÖn‡Yi eë ’v †bb| K. †Kvb wnmv‡e RgvwZwi³ UvKv D‡Ëvjb Kiv †h‡Z cv‡i? 1 L. GKwU wbw`©ó mg‡qi Rb¨ †Kvb wnmve †Lvjv nq? eY©bv Ki| 2 M. wg‡mm jveYx Av³vi ÔPuv`bx e¨vs‡KÕ †Kvb ai‡bi wnmve

†Lv‡jb? e¨vL¨v Ki| 3 N. wg‡mm jveYx Av³v‡ii AvaywbK e¨vswKs †mev †bIqvi

†hŠw³KZv g~j¨vqb Ki| 4 10 Rbve Zcy 10 eQi KvbvWvq PvKwi †k‡l †`‡k Av‡mb| wZwb

we‡`‡k bv hvIqvi wm×všÍ †bb| Rbve Acy cv‡Ui eëmvq ïiæ K‡ib| wZwb eëmvwqK †jb‡`b cwiPvjbvi Rb¨ ÔLÕ e¨vs‡K GKwU wnmve †Lv‡jb| wKš‘ wnmve †Lvjvi mgq wZwb e¨vs‡Ki Kv‡Q wKQy Z_¨ †Mvcb K‡iwQ‡jb| cieZ©x‡Z welqwU †evS‡Z †c‡i e¨vsK Zuvi wnmvewU eÜ K‡i †`q| K. MÖvn‡Ki A_© Pvwnev gvÎ †diZ †`q †K? 1 L. e¨vsK Kxfv‡e A‡_©i wbivcËv weavb K‡i? e¨vL¨v Ki| 2 M. Rbve Zcy e¨vs‡K †Kvb ai‡bi wnmve Ly‡j‡Qb? eY©bv Ki| 3 N. Rbve Zcy I L e¨vs‡Ki m¤ú‡K©i Aemvb †Kb N‡UwQj? we‡kølY Ki| 4

11 K·evRv‡i grm¨ Pvwl‡ì my‡hvM-myweav †Ìqvi Rb¨ 2000 mv‡j Ô†`v‡qj e¨vsKÕ bv‡g GKwU we‡klvwqZ e¨vsK ’vwcZ nq| e¨vsKwU ’vc‡bi ci mviv †`‡ki gvQ eëmvqx‡ì A_© †jb‡`b mnR nq| 2

eQi ci Ô†`v‡qj e¨vsKÕ Avw_©K msK‡U co‡j †`‡ki GKwU eo Avw_©K cÖwZôvb †_‡K 2 †KvwU UvKv FY †bq| K. †K›`ªxq e¨vs‡Ki wbe©vnx cÖavb †K? 1 L. †K›`ªxq e¨vs‡Ki gyL¨ D‡Ïk¨ Kx? eY©bv Ki| 2 M. Kvh©wfwËK †kÖwYKi‡Y Ô†`v‡qj e¨vsKÕ †Kvb ai‡bi e¨vsK?

eY©bv Ki| 3 N. Ô†`v‡qj e¨vsKÕ †h cÖwZôvb †_‡K FY wb‡qwQj, †`‡ki e¨vsK

eë ’vi Dbœq‡b Zvi f‚wgKv g~j¨vqb Ki| 4





K-wefvM : wdb¨vÝ 1 wg. evkvi wekvj dzW wj.-Gi gvwjK| wZwb wbR¯^ Rgv‡bv A_© Ges Zvi

eÜyi wbKU †_‡K FY wb‡q cÖwZôv‡bi Znwej msMÖn K‡ib| wZwb wbDgv‡K©‡Ui GKwU kwcs g‡j wewfbœ ai‡bi wecyj †µZv †`‡L †KŠZ‚njx nb| kwcs g‡ji gvwj‡Ki wbKU †_‡K AwfÁZv wewbgq K‡i wbR †`vKv‡b wewfbœ ai‡bi Lvev‡ii cvkvcvwk ev”Pv‡ì †Ljbv I cÖmvabx mvgMÖx weµq ïiæ K‡ib| Gi d‡j cÖwZôv‡b weµ‡qi cwigvY e„w× cvq Ges Kvw•ÿZ gybvdv AR©‡b mÿg nq| K. AvšÍR©vwZK A_©vqb Kv‡K e‡j? 1 L. †mjy‡bi Rb¨ hy‡Mvc‡hvMx hš¿cvwZ µq †Kvb ai‡bi wm×všÍ? e¨vL¨v Ki| 2 M. wg. evkv‡ii Znwej msMÖ‡ni cÖwµqv‡K †Kvb ai‡bi A_©vqb wn‡m‡e

MY¨ Kiv nq? e¨vL¨v Ki| 3 N. A_©vqb bxwZgvjvi Av‡jv‡K wg. evkv‡ii wewfbœ Kvh©µ‡gi

†hŠw³KZv g~j¨vqb Ki| 4 2 wSwjK wj. ˆZwi †cvkvK cÖ ‘ZKvix cÖwZôvb| Kg©Pvix‡ì †eZb †Ìqvi

Rb¨ Zviv Ômvdj¨ e¨vsKÕ †_‡K 8 jÿ UvKv 1 eQ‡ii Rb¨ FY †bq Ges mgqg‡Zv Zv cwi‡kva K‡i| wKš‘ eZ©gv‡b bZzb KviLvbvq Drcv`b ïiæ Kivi Rb¨ 6 †KvwU UvKvi †gwkb µq Kiv cÖ‡qvRb, hv cÖwZôvbwUi wbR¯^ Znwej †_‡K ms¯’vb Kiv m¤¢e bq| ZvB cÖwZôvbwU ÔwcÖqv dvBb¨vÝ wj.Õ-Gi mv‡_ Pzw³e× n‡q fvovi wewbg‡q †gwkb eënv‡ii my‡hvM †bq| K. ga¨‡gqvw` A_©vq‡bi †gqv` KZ eQi? 1 L. Znwej wewb‡qv‡Mi g~j D‡Ïk¨ Kx? e¨vL¨v Ki| 2 M. wSwjK wj. Kg©Pvix‡ì †eZb †Ìqvi Rb¨ A_©vq‡bi †Kvb Drm

eënvi K‡i‡Q Zv eY©bv Ki| 3 N. bZzb KviLvbvq Drcv`b ïiæi Rb¨ wSwjK wj. A_©vq‡bi †h c×wZ

eënvi K‡i‡Q Zv wK mwVK? DË‡ii mc‡ÿ hyw³ `vI| 4 3 iwdK I kwdK yB eÜy| iwdK Zvi cÖ‡qvR‡b 10 eQ‡ii Rb¨ 10 jÿ UvKv

FY wb‡Z Pvb| 'X' e¨vsK Zv‡K evwl©K 10% nv‡i F‡Yi cÖ¯Íve w`‡q‡Q Ges 'Y' e¨vsK Zv‡K 9% gvwmK nv‡i FY †Ìqvi Rb¨ cÖ¯Íve K‡i‡Q| Aciw`‡K kwdK Zvi UvKv 'Z' e¨vs‡K Rgv ivL‡Z Pvb| e¨vsK 9.75% nv‡i 5 eQi ci 5 jÿ UvKv †diZ †Ìqvi Avk¦vm w`‡q‡Q| K. †KvbwU `xN©‡gqvw` A_©vq‡bi GKwU Awfbe c×wZ? 1 L. gybvdv I m¤úwË eÈ‡b †Kvb wewb‡qvMKvix‡ì `vwe AMÖMY¨ wn‡m‡e

we‡ewPZ nq? eY©bv Ki| 2 M. kwdK eZ©gv‡b KZ UvKv e¨vs‡K Rgv ivL‡j 5 eQi c‡i 5 jÿ

UvKv cv‡eb? wbY©q Ki| 3 N. iwd‡Ki Rb¨ †Kvb e¨vsK †_‡K FY MÖnY hyw³hy³ Zv we‡kølY Ki| 4

4 Rbve wgRvb eëmv Kivi D‡Ï‡k¨ e¨vsK †_‡K 10% my‡` 10 jÿ UvKv 4 gvm ci ci my` cwi‡kva Kivi k‡Z© FY wb‡q‡Qb| wgRvb mv‡ne ÔmvbÕ I ÔgybÕ bvgK `ywU cÖK‡íi K_v fve‡Qb| ÔmvbÕ cÖKí †_‡K AvMvgx 5 eQ‡i

m¤¢ve¨ Av‡qi nvi h_vµ‡g 20%, 15%, 10%, 5% Ges 25%| AvMvgx 5 eQ‡i ÔgybÕ cÖK‡íi m¤¢ve¨ Mo Avq 15% Ges SzuwKi cwigvY 14.20%| K. eÛgvwjKiv †Kv¤úvwbi Kx wn‡m‡e MY¨ nq? 1 L. cÖwZôv‡bi cwiPvjb e¨q †gUv‡Z AwbðqZv †`Lv †`q KLb? e¨vL¨v Ki| 2 M. DwjøwLZ e¨vsK F‡Yi cÖK…Z my‡ì nvi KZ? 3 N. SzuwK we‡ePbvq wgRvb mv‡n‡ei Rb¨ †Kvb cÖKíwU MÖnY Kiv

hyw³hy³? we‡kølY Ki| 4 5 i¨vsMm wj.-Gi wewb‡qv‡Mi Rb¨ 3wU cÖKí i‡q‡Q| cÖKí¸‡jvi †gqv` 3

eQi Ges cÖv_wgK wewb‡qvM 1 †KvwU UvKv| cÖ_g cÖKíwUi cÖv°wjZ weµq h_vµ‡g 20 jÿ, 30 jÿ Ges 70 jÿ UvKv| Ab¨vb¨ PjwZ LiP weµ‡qi 20% Ges Ki nvi 30%| wØZxq cÖK‡íi Ki cieZ©x wbU gybvdv 8 jÿ, 12 jÿ I 10 jÿ UvKv| Z…Zxq cÖKíwUi †c-e¨vK mgq 3.14 eQi| K. g~jab ev‡RwUs-Gi e¨_©Zvi `vqfvi Kv‡K wb‡Z nq? 1 L. g~jab e¨q wbY©q ¸iæZ¡c~Y© †Kb? 2 M. i¨vsMm wj.-Gi cÖ_g cÖK‡íi Mo gybvdvi nvi wbY©q Ki| 3 N. †c-e¨vK mgq wbY©qc~e©K i¨vsMm wj.-Gi cÖKí¸‡jvi g‡a¨ †KvbwU

MÖnY‡hvM¨ e‡j Zzwg g‡b Ki? DË‡ii mc‡ÿ hyyw³ `vI| 4

6 ivdv †Kv¤úvwb wj. †kqvi weµ‡qi gva¨‡g g~jab msMÖn K‡i| †Kv¤úvwb eZ©gv‡b 1,500 UvKv wjwLZ g~‡jï 10% AMÖvwaKvi †kqvi evRv‡i wewµi wPšÍv Ki‡Q| cÖwZwU †kqvi wewµ †_‡K cÖvß A_© 1,200 UvKv| G eQi gybvdvi cwigvY †ewk nIqvq †Kv¤úvwb †kqvi‡nvìvi‡ì g‡a¨ gybvdvi m¤ú~Y© Ask eÈb bv K‡i wKQy Ask GKwU Znwe‡j msiÿY K‡i| K. eëmvq cÖwZôv‡b gvwjK‡ì BKz¨BwU Ask‡K Kx e‡j? 1 L. †hme †Kv¤úvwbi Avq w ’wZkxj bq Zviv Kxfv‡e jf¨vsk cÖ`vb K‡i

Zv e¨vL¨v Ki| 2 M. ivdv †Kv¤úvwb wj.-Gi AMÖvwaKvi †kqv‡ii e¨q wbY©q Ki| 3 N. ivdv †Kv¤úvwb wj.-Gi gybvdvi GKwU Ask Znwe‡j msiÿ‡Yi

†hŠw³KZv we‡kølY Ki| 4 L-wefvM : e¨vswKs

7 †`‡ki gy ªvevRvi‡K mymsMwVZ AvKv‡i cwiPvjbv Kivi D‡Ï‡k¨ Ôgnvb›`vÕ e¨vsKwU cÖwZwôZ nq| cÖ‡qvR‡bi LvwZ‡i †`‡ki Ab¨vb¨ ’v‡b AviI kvLv ¯’vcb K‡i e¨vsKwU mdjZvi mv‡_ Zvi KvR K‡i hv‡”Q| K. me©wb¤œ KZ Rb cwiPvj‡Ki mgš‡q cÖvB‡fU e¨vsK ¯’vcb Kiv hvq? 1 L. †K› ªxq e¨vsK Kxfv‡e evwYwR¨K e¨vsK¸‡jvi FY wbqš¿Y K‡i _v‡K?

e¨vL¨v Ki| 2 M. Ôgnvb›`vÕ e¨vsKwU †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 N. †eKvi mgm¨v mgvav‡b Ôgnvb›`vÕ e¨vsKwUi f‚wgKv we‡kølY Ki| 4

8 Rbve †Zvnv B‡›`v‡bwkqv †_‡K gkjv Avg`vwb K‡ib| †mLvbKvi eëmvqx Rbve Avwbm gkjv idZvwbKviK| Rbve †Zvnv †mvbvjx e¨vs‡K †jb‡`b K‡ib| Avg`vwb Kivi mgq †mvbvjx e¨vsK Zvi MÖvn‡Ki cÿ †_‡K Rbve Avwbm‡K we‡kl eë ’vq AwMÖg A_© cÖ`v‡bi eë¯’v K‡i| K. evwYwR¨K e¨vs‡Ki cÖavb D‡Ïk¨ Kx? 1 L. evwYwR¨K e¨vsK Kxfv‡e Kg©ms¯’v‡b mnvqZv K‡i? 2 M. †mvbvjx e¨vsK †Kvb we‡kl eë ’vq Rbve Avwbm‡K AwMÖg A_©

cwi‡kva K‡i? e¨vL¨v Ki| 3 N. ÒRbve †Zvnv I Rbve Avwb‡mi ga¨Kvi evwYwR¨K m¤úK©

AvšÍR©vwZK eëmv‡q ¸iæZ¡c~Y© f‚wgKv ivL‡Q|Ó we‡kølY Ki| 4 9 mvev `kg †kÖwYi QvÎx| ¯‹z‡j hvZvqv‡Zi wi·vfvov Ges wUwd‡b LvIqvi Rb¨

Zvi gv Rbve bvCgv cÖwZw`bB Zv‡K 50 UvKv †`b| wi·vq ¯‹z‡j †M‡jI AwaKvsk w`bB mvev evÜex‡ì mv‡_ †nu‡UB evmvq wd‡i| d‡j wKQy A_© nv‡Z _v‡K| Gfv‡e mviv gv‡mi mwÂZ A_© Rbve bvCgv mvev‡K wb‡q wM‡q mvevi bv‡g e¨vsK wnmve Ly‡j †mLv‡b Rgv K‡i †`b| cÖwZ gv‡m e¨vs‡K hvZvqvZ Kivi Kvi‡Y Zvi cvV¨cy¯Í‡Ki e¨vswKs AskwU †m Lye fv‡jv ey‡S‡Q| K. e¨vsK eëmvi Znwe‡ji g~j Drm Kx? 1 L. e¨vsK Kxfv‡e mÂqcÖeYZv m„wó K‡i? e¨vL¨v Ki| 2 M. mvevi e¨vsK wnmvewU †Kvb ai‡bi? eY©bv Ki| 3 N. mvevi e¨vsK wnmve †Lvjvi †Kv‡bv cÖ‡qvRb wQj Kx? DË‡ii mc‡ÿ

gZvgZ `vI| 4 10 Rbve AvBqye ÔivRkvnxÕ e¨vs‡Ki gva¨‡g †jb‡`b K‡ib| wZwb Zvi

eëmv‡qi g~jëvb dvBj, `wjj I KvMRcÎ e¨vs‡Ki jKv‡i Rgv iv‡Lb| m¤úÖwZ wZwb weµq eve` cÖvß Zvi bvg-LwPZ 50,000 UvKvi GKwU †PK Zvi †Q‡ji Øviv e¨vs‡K bM`vqb Ki‡Z Rgv w`‡j e¨vsK Zv †diZ cvVvq| K. ivóª wbqwš¿Z e¨vsK Kv‡K e‡j? 1 L. gy ªv‡K e¨vsK eë ’vi Rbbx ejv nq †Kb? e¨vL¨v Ki| 2 M. Rbve AvBqy‡ei †PKwU e¨vsK KZ…©K †diZ Avmvi KviY e¨vL¨v Ki| 3 N. e¨vs‡K Rbve AvBqy‡ei g~jëvb `wjjcÎvw` Rgv ivLvi †hŠw³KZv

g~j¨vqb Ki| 4 11 Ôm~h©Õ I ÔP›`ªÕ bvgK e¨vsKwU `ywU Ô÷viÕ e¨vs‡Ki wbqš¿Yvaxb `y‡Uv ÿz`ª e¨vsK|

e¨vsK wZbwU †hŠ_ mfvq Zv‡ì Kvh©µg ch©v‡jvPbv K‡i †`‡L †h MÖvn‡Ki D‡Ëvj‡bi Pvwn`v †gUv‡bvi Rb¨ Zviv MZ mßv‡n cÖwZw`b 10 †KvwU UvKv bM` ivL‡jI MÖvnKiv 5 †KvwU UvKv gvÎ D‡Ëvjb K‡i| Avevi ÔP›`ªÕ e¨vs‡Ki GKRb FYMÖnxZvi eÜwK 2 KvVv Rwg weµq K‡iI F‡Yi UvKv †diZ cvIqv hvqwb| K. gyivevnv wnmve Kx? 1 L. e¨vsK Kxfv‡e evRv‡i Zvi mybvg m„wó K‡i _v‡K? e¨vL¨v Ki| 2 M. DÏxc‡K †Kvb ai‡bi KvVv‡gvwfwËK e¨vswKs Kvh©µ‡gi D‡jøL Av‡Q

Zv e¨vL¨v Ki| 3 N. e¨vswKs eëmv‡qi g~jbxwZi Av‡jv‡K DÏxc‡Ki e¨vswKs Kvh©µg

g~j¨vqb Ki| 4





K-wefvM : wdb¨vÝ 1 nvmvb mv‡ne GKRb mgvR‡meK| wZwb †cbk‡bi A_© w`‡q GwZg

wkï‡ì Rb¨ GKwU ¯‹zj cÖwZôv K‡ib| webvg~‡j¨ wkï‡ì LvIqv I covïbvi eë ’v Ki‡Z wM‡q Avw_©K msK‡Ui m¤§yLxb nb| A_©ms ’v‡bi Rb¨ wZwb wewfbœ Dr‡mi AvkÖq wb‡jb| K. Zvij¨ Kx? 1

L. A_©vqb cÖwµqv eëmv‡qi g~j PvwjKvkw³ e¨vL¨v Ki| 2 M. nvmvb mv‡ne †Kvb ai‡bi cÖwZôv‡bi mv‡_ RwoZ? eY©bv Ki| 3 N. nvmvb mv‡ne A_©vq‡bi †Kvb Drm eënvi K‡i cÖwZôvb

cwiPvjbv Ki‡Qb? g~j¨vqb Ki| 4 2 ivRkvnx wek¦we`¨vjq †_‡K GgweG cvm Kivi ci wKQy wkÿv_©x

†RW Gg bv‡g GKwU †Kv¤úvwb cÖwZôv K‡i| Zviv wb‡R‡ì A‡_©i gva¨‡g Zv‡ì Kvh©vewj ïiæ K‡i| Avw_©K LvZ¸‡jv cÖmvwiZ nIqvq Zviv †kqvi weµ‡qi gva¨‡g g~jab msMÖ‡ni K_v fve‡Q| K. miKvwi A_©vq‡bi cÖavb D‡Ïk¨ Kx? 1 L. wjwRs wK ’vqx m¤ú‡ì weKí? e¨vL¨v Ki| 2 M. †RW Gg †Kv¤úvwb †Kvb ai‡bi Znwe‡ji gva¨‡g MwVZ

n‡q‡Q? eY©bv Ki| 3

N. †RW Gg †Kv¤úvwbi A_© msMÖ‡ni gva¨g hyw³hy³ wKbv †Zvgvi gZvgZ e¨³ Ki| 4

3 mvwg Zvi eÜy Zvwbqvi wbKU †_‡K 10% my‡` 5 eQi ci cwi‡kva Kivi Pzw³‡Z 5 jÿ UvKv avi †bq| †h‡nZz Zviv eÜy ZvB G‡ÿ‡Î mij my` avh© Kiv n‡e| Zvwbqv Zvi eÜy‡K G my‡ì wfwË‡Z avi †Ìqv‡K my‡hvM wn‡m‡e a‡i †bq| K. mij my‡` Kx‡mi Ici my` avh© Kiv nq? 1 L. UvKvi eZ©gvb g~j¨ I fwel¨r g~j¨ mgvb bq †Kb? e¨vL¨v Ki| 2 M. mvwg 5 eQi ci KZ UvKv cwi‡kva Ki‡e? 3 N. mvwg hw` cuvP eQi ci 6,00,000 UvKv cwi‡kva K‡i Z‡e

av‡ii cwigvY KZ n‡e? 4 4 mRxe †Kv¤úvwb wjwg‡UW †kqvievRv‡ii GKwU ZvwjKvfz³

cÖwZôvb| A‡_©i NvUwZ _vKvq Zviv †kqvi‡nvìvi‡ì bM` jf¨vs‡ki cwie‡Z© AvbycvwZK nv‡i †kqvi †Ìqvi wm×všÍ MÖnY K‡i| Avw_©K msKU wbimb bv nIqvq †Kv¤úvwbwU ’vqx m¤ú‡ì wecix‡Z wewb‡qvMKvix‡ì KvQ †_‡K A_© msMÖn K‡i| K. jf¨vsk bxwZ KZ cÖKvi? 1 L. mvaviY †kqvi wewb‡qvM AwaK SzuwKc~Y© †Kb? e¨vL¨v Ki| 2 M. A‡_©i NvUwZ _vKvq mRxe †Kv¤úvwb †h †kqvi Bmy¨ K‡i Zv

†Kvb ai‡bi? e¨vL¨v Ki| 3 N. Avw_©K msKU wbimb bv nIqvq mRxe †Kv¤úvwbi M„nxZ

wm×všÍwU h_v_© wKbv Zv g~j¨vqb Ki| 4 5 myRb †UªWv‡m©i cwi‡kvwaZ g~jab 10 †KvwU UvKv| hvi g‡a¨ mvaviY

†kqvi 40%, AMÖvwaKvi †kqvi 45% Ges Aewkó FY g~jab| 6% AMÖvwaKvi †kqvi Ges FYK…Z g~ja‡bi my‡ì nvi 10%| mvaviY †kqvi I AMÖvwaKvi †kqv‡ii evRvig~j¨ h_vµ‡g 300 UvKv I 250 UvKv| G eQi †Kv¤úvwb †kqvicÖwZ 15 UvKv jf¨vsk †NvlYv K‡i Ges AZx‡Z jf¨vsk e„w×i nvi wQj 5%, Kinvi 25%| K. Kvg¨ FYbxwZ Kx? 1 L. g~jab e¨q wbY©q ¸iæZ¡c~Y© †Kb? e¨vL¨v Ki| 2 M. myRb †UªWv‡m©i mvaviY †kqvi g~jab e¨q wbY©q Ki| 3 N. myRb †UªWv‡m©i Mo g~jab e¨q wbY©q Ki| 4

6 Rbve ev‡qwR‡ì 5 eQi c~‡e© ÔmvnvbÕ I ÔivnvbÕ bvgK `ywU cÖK‡íi wewb‡qvM †_‡K cÖvß Av‡qi nvi wb¤œiƒc :

cÖKí 2014 2015 2016 2017 2018 mvnvb 12% 10% 18% 20% 15%

ivnvb 5% 15% 20% 11% 9%

K. †UªRvwi wej †K Bmy¨ K‡i? 1 L. `vq cwi‡kv‡ai AÿgZv †_‡K †Kvb SzuwKi m„wó nq? e¨vL¨v Ki| 2 M. mvnvb cÖK‡íi Av`k© wePz¨wZ wbY©q Ki| 3 N. Rbve ev‡qwR‡ì †Kvb cÖKíwU eÜ K‡i †Ìqv DwPZ?

we‡kølY Ki| 4 L-wefvM : e¨vswKs

7 wg. Rwjj GKRb weL¨vZ eëmvqx| m¤úÖwZ †m bZzb Avg`vwbKviK‡ì wbKU n‡Z cY¨ µ‡qi cÖ¯Íve †c‡q‡Q| †m wm×všÍnxbZvq Av‡Q KviY †µZv GK`g bZzb| †m mg‡q e¨vsK wbðqZv †c‡q †m ivwR n‡q †Mj| K. evwYwR¨K e¨vs‡Ki cÖavb Av‡qi Drm Kx? 1 L. g‡°j‡ì AwQ wn‡m‡e KvR K‡i †K? e¨vL¨v Ki| 2 M. Kx ai‡bi wbðqZv †c‡q wg. Rwjj ißvwb Ki‡Z ivwR

n‡jb e¨vL¨v Ki| 3 N. wg. Rwj‡ji wm×všÍnxbZvq e¨vs‡Ki f‚wgKv hyw³mn we‡kølY Ki| 4

8 Rbve Avjg Zuvi MÖv‡gi nv‡U GKwU e¨vs‡Ki kvLv †`‡L GmGmwm cixÿv_©x †QvU fvB‡K cÖkœ Kij, ÒGB MÖvg¨ evRv‡i e¨vs‡Ki Kx cÖ‡qvRb?Ó DË‡i †QvU fvB ej‡jv, ÒmiKv‡ii GB e¨vsK ’vc‡bi d‡j, MÖv‡g emevmiZ gvbyl‡K kn‡i †h‡Z n‡”Q bv| Zuviv K…wlKvRmn eëmvqx Kvh©µg cwiPvjbvq e¨vs‡Ki mn‡hvwMZv cv‡”Q| FY wb‡q DcK…Z nIqvi cvkvcvwk Avw_©Kfv‡e ¯^vej¤^x n‡”Q|Ó K. gy`ªv cÖPjb K‡i †Kvb e¨vsK? 1 L. wej evÆvKiY evwYwR¨K e¨vs‡Ki †Kvb Lv‡Zi AšÍfz©³? e¨vL¨v Ki| 2 M. DÏxc‡Ki e¨vsKwUi aib e¨vL¨v Ki| 3 N. miKvi I MÖv‡gi Dbœq‡b DÏxc‡Ki e¨vsKwUi f‚wgKv g~j¨vqb Ki| 4

9 Rbve iv‡mj e¨vs‡K GKwU wnmve Ly‡jb| wZwb e¨vs‡K wnmve †Lvjvi mgq wKQy cÖZviYvi AvkÖq wb‡qwQ‡jb| e¨vsK welqwU eyS‡Z †c‡i Zuvi e¨vsK wnmvewU eÜ K‡i †`q| K. e¨vsK wnmve Kq ai‡bi? 1 L. evnK †PK‡K Kxfv‡e AwaK wbivc` Kiv hvq? e¨vL¨v Ki| 2 M. Rbve iv‡mj †Kvb bxwZwU Agvb¨ K‡i cÖZviYvi AvkÖq †bb|

eY©bv Ki| 3 N. e¨vsK I Rbve iv‡m‡ji m¤ú‡K©i Aemvb Kx Kx Kvi‡Y

N‡U‡Q Zv we‡kølY Ki| 4 10 cÙv e¨vsK †`‡ki Av_©-mvgvwRK Dbœq‡b Ges Avw_©K k„•Ljv iÿvi

KvR Ki‡Q| ZvwjKvfz³ e¨vsKmg~‡ni mvnvh¨-mn‡hvwMZv cÖ`vb, bZzb cY¨ D™¢veb Ges G¸‡jv ev¯Íevq‡bi gva¨‡g RbM‡Yi RxebhvÎvi gvb Dbœq‡bi j‡ÿ¨ KvR Ki‡Q cÙv e¨vsK| K. KZ mv‡j Bmjvgx e¨vswKs eë ’v cÖeZ©b nq? 1 L. kÖwgK‡ì gv‡S mÂq cÖeYZv m„wó K‡i †Kvb e¨vsK? e¨vL¨v Ki| 2 M. DÏxc‡Ki cÙv e¨vsK I evwYwR¨K e¨vs‡Ki g‡a¨ Zzjbvg~jK

Av‡jvPbv Ki| 3 N. RbM‡Yi RxebhvÎvi gv‡bvbœq‡b cÙv e¨vs‡Ki f‚wgKv g~j¨vqb Ki| 4

11 Rbve ¯^cb GKRb Av`k© eëmvqx| wZwb Zuvi Kg©Pvix‡K GKwU †PK w`‡q e¨vs‡K cvwV‡q 25,000 UvKv D‡Ëvjb K‡ib| wZwb UvKvi evwÛ‡j 500 UvKv †ewk †`L‡Z cvb| cieZ©x‡Z wZwb e¨vsK g¨v‡bRv‡ii mv‡_ K_v e‡j UvKv †diZ cvVvb| K. GKK e¨vsK Kx? 1 L. †Kvb ai‡bi wnmv‡e wbw`©ó mg‡qi Rb¨ UvKv Rgv w`‡Z nq?

e¨vL¨v Ki| 2 M. Rbve ¯^c‡bi cÖ`Ë †PKwU †Kvb ai‡bi? e¨vL¨v Ki| 3 N. MÖvnK wn‡m‡e Rbve ¯^c‡bi AvPiYwU g~j¨vqb Ki| 4


49 XvKv †evW© 2019

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eûgyLx cÖKí M‡o †Zv‡jb| kvgxg exR, mvi, Miæ, †cvbvgvQ I wKQy Lvgvi miÄvg †Kbvi Rb¨ Ôhye Dbœqb e¨vsKÕ †_‡K FY MÖnY K‡ib| 5 eQi ci Zvi Lvgvi eo n‡j wZwb Ôhye Dbœqb e¨vsKÕ Gi cvkvcvwk cÖwZwôZ evwYwR¨K e¨vsK ABL n‡ZI FY MÖnY K‡i GKwU wngvMvi ¯’vcb K‡ib| D³ evwYwR¨K e¨vsK n‡Z FY MÖn‡Yi d‡j Zv‡K Ki Kg cÖ`vb Ki‡Z n‡”Q| Gfv‡e wewfbœ Drm n‡Z A_©vqb K‡i kvgxg mdjKvg n‡q †`k I RvwZi Dbœq‡b f‚wgKv ivL‡Qb| K. cÖvB‡fU †Kv¤úvwbi D‡`¨v³vi m`m¨msL¨v KZ †_‡K KZ n‡Z

cv‡i? 1 L. Ôjf¨vsk mgZvKiY Znwe‡ji mv‡_ †Kv¤úvwbi mybvg RwoZ|Õ

Dw³wU e¨vL¨v Ki| 2 M. kvgx‡gi hye Dbœqb e¨vsK n‡Z FY MÖnY, A_©vq‡bi †Kvb

†gqvw` Drm? eY©bv Ki| 3 N. DÏxc‡K kvgx‡gi g‡Zv †Q‡jiv wewfbœ †gqvw` Drm n‡Z

A_©vqb K‡i Kxfv‡e mdjKvg n‡q †`k I RvwZi Dbœq‡b f‚wgKv ivL‡Qb? g~j¨vqb Ki| 4

2 wg. iwng 10 eQi ci d¬¨vU µ‡qi D‡Ï‡k¨ 10 jÿ UvKv e¨vs‡K Rgv ivL‡Z Pvb| ÔKÕ e¨vsK Zuv‡K ˆÎgvwmK Pµe„w×‡Z 6.50% nv‡i my` †Ìqvi cÖ¯Íve w`‡q‡Q| Aciw`‡K ÔLÕ e¨vsK 10 eQi ci evwl©K Pµe„w×‡Z 8% nv‡i 20 jÿ UvKv †Ìqvi cÖ¯Íve †`q| K. my‡hvM e¨q Kx? 1 L. `xN©‡gqvw` wewb‡qv‡Mi Awfbe c×wZ †KvbwU? e¨vL¨v Ki| 2 M. wg. iwng 10 eQi ci ÔKÕ e¨vsK n‡Z KZ UvKv cv‡eb? 3 N. wg. iwng †Kvb e¨vs‡Ki cÖ¯Íve MÖnY Ki‡eb e‡j Zzwg g‡b Ki? hyw³ `vI| 4

3 Rbve Avjg GKRb mywkwÿZ mdj wewb‡qvMKvix| bZzb bZzb cÖhyw³ wZwb memgq eënvi K‡ib| wZwb eëmvq cÖwZôv‡bi cwiKíbv cÖYq‡bi mgqB fwel¨‡Zi m¤¢ve¨ NUbvmg~n wePvi-we‡kølY K‡i †mB Abyhvqx eë¯’v MÖnY K‡ib| Avevi c‡Yï evRvi Pvwn`v m¤ú‡K© wePvi-we‡kølY K‡i, GKvwaK cY¨ evRv‡i Qv‡ob| Gfv‡e wZwb SzuwK †gvKvwejv Ki‡Z mdj n‡q‡Qb| Avjg mv‡n‡ei ÔwZ¯ÍvÕ cÖK‡í MZ cuvP eQ‡i AwR©Z gybvdvi nvi wQj h_vµ‡g 12%, 14%, 8%, 7% Ges 6%| K. †Kvb Avq me‡P‡q SzuwKeûj? 1 L. `vq cwi‡kv‡ai AÿgZv †_‡K †Kvb SzuwKi m„wó nq? e¨vL¨v Ki| 2 M. wg. Avj‡gi ÔwZ¯ÍvÕ cÖK‡íi Av`k© wePz¨wZ wbY©q Ki| 3 N. DÏxc‡Ki wg. Avj‡gi M„nxZ c`‡ÿç‡jv wK SzuwK

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n‡Z g~jab e„w× jvfRbK n‡e g~j¨vqb Ki| 4 6 `„k¨Kí-1 : ABC †Kv¤úvwb Zvi †kqvi‡nvìvi‡ì cÖwZeQi †kqvicÖwZ

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K. †m‡KÛvwi evRvi Kv‡K e‡j? 1

L. †Kvb †kqv‡i wewb‡qvM AwaK SzuwKc~Y©? e¨vL¨v Ki| 2 M. DÏxc‡K ABC †Kv¤úvwbwUi jf¨vsk bxwZwU wK †Kv¤úvwbi

mybvg a‡i ivLvi Rb¨ h‡_ó? gZvgZ `vI| 3 N. `„k¨Kí-2 G Kvi wewb‡qvM AwaK SzuwKc~Y©? DË‡ii mc‡ÿ hyw³ †`LvI| 4

e¨vswKs Ask 7 RADB I IBL e¨vsK `yBwU h_vµ‡g e‡i›`ª AÂ‡ji K…lK‡ì Dbœqb I agx©q

Abykvmb Abymv‡i cÖwZwôZ Ges cwiPvwjZ n‡jI Ab¨vb¨ evwYwR¨K e¨vs‡Ki mv‡_ †mev cÖ v‡bi wgj Av‡Q| RADB e¨vsKwU K…lK‡ì myweavRbK k‡Z© I ¯^í my‡` FY cÖ`vb I wewfbœ civgk© `vb K‡i _v‡K| Aciw`‡K IBL e¨vsKwU Zvi MÖvnK‡ì wKQy we‡kl cY¨ ev †mev cvIqvi my‡hvM †`q| K. evsjv‡`‡k †Kvb ai‡bi e¨vsK eë¯’vi cÖPjb †bB? 1

L. gy`ªv‡K e¨vsK eë ’vi Rbbx ejv nq †Kb? e¨vL¨v Ki| 2 M. RADB I IBL e¨vsK `yBwU †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. RADB I IBL e¨vsK `yBwU Zv‡ì we‡kl Kvh©µ‡gi gva¨‡g Avgv‡ì

†`‡ki Dbœq‡b Kxfv‡e f‚wgKv ivL‡Q? DÏxc‡Ki Av‡jv‡K we‡kølY Ki| 4 8 Ôaijv e¨vsKÕ evsjv‡`‡ki A_©bxwZ‡Z cÖavb f‚wgKv cvjbKvix GKwU

e¨vsK| e¨vsKwU evsjv‡`‡ki cÖvq me AÂ‡ji gvby‡li Kv‡Q RbwcÖq| aijv e¨vsK eëmv n‡Z wewfbœfv‡e Avq K‡i _v‡K| e¨vsKwU AvgvbZ MÖnY I my` cÖ`vb, g~jab MV‡bi gva¨‡g †`‡ki wkí, evwYR¨, A_©bxwZ I mvgvwRK Dbœq‡b wewfbœ iKg †mev cÖ`vb K‡i _v‡K| K. evwYwR¨K e¨vsK Kv‡K e‡j? 1 L. Avg`vwb-ißvwb‡Z evwYwR¨K e¨vsK eëmvqx‡ì Kxfv‡e

mn‡hvwMZv K‡i? e¨vL¨v Ki| 2 M. DÏxc‡Ki ÔaijvÕ e¨vsKwU †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 N. Ôaijv e¨vsKÕ evsjv‡`‡ki A_©bxwZ‡Z cÖavb f‚wgKv cvjbKvix

e¨vsK| Dw³wU DÏxc‡Ki Av‡jv‡K g~j¨vqb Ki| 4 9 Rbve ¯^cb mnKvix wkÿK c‡` miKvwi ¯‹z‡j †hvM`vb Kivi ci

Rvb‡Z cvi‡jb Zvi †eZb I fvZv e¨vsK wnmv‡ei gva¨‡g n‡e| Zuvi †Kv‡bv e¨vsK wnmve bv _vKvq wZwb GKRb wmwbqi mnKvix wkÿK‡K mv‡_ wb‡q ’vbxq GKwU e¨vs‡K †M‡jb| e¨vsK Awdmvi Zv‡K cÖ_‡gB MÖvnK cwiwPwZ dig c~iY Ki‡Z e‡jb| me‡k‡l ¯^cb mv‡n‡ei wnmve †Lvjv n‡q †M‡j, e¨vsK g¨v‡bRvi Zv‡K 1wU cøvw÷K KvW© nv‡Z w`‡q e‡jb, ÒMÖvnK‡ì RxebhvÎvi gvb DbœZ I MwZkxj Ki‡Z AvaywbK e¨vswKs cY¨¸‡jv we‡kl f‚wgKv cvjb Ki‡Q|Ó K. †PBb e¨vs‡Ki gyL¨ D‡Ïk¨ Kx? 1 L. e¨vs‡K wewfbœ cÖKvi wnmve †Lvjvi eë ’v ivLvi KviY e¨vL¨v Ki| 2 M. ¯^cb mv‡ne †Kvb ai‡bi wnmve Ly‡j‡Qb? DÏxc‡Ki Av‡jv‡K e¨vL¨v Ki| 3 N. DÏxc‡Ki e¨vsK g¨v‡bRv‡ii Dw³wU we‡kølY I g~j¨vqb Ki| 4

10 Avwgbyj XvKv wek¦we`¨vjq n‡Z covïbv †kl K‡i GKwU eûRvwZK †Kv¤úvwb‡Z Kg©KZ©v c‡` w`bvRcy‡i †hvM`vb K‡ib| wZwb ¯’vbxq GKwU evwYwR¨K e¨vs‡K wnmve Ly‡j †jb‡`b Ki‡Z _v‡Kb| Avwgbyj 1 eQ‡ii Rb¨ we‡`‡k D”P cÖwkÿ‡Yi Rb¨ hvb| cÖwkÿY †k‡l wZwb Zuvi Kg©¯’‡j wd‡i Av‡mb Ges wKQy UvKv e¨vs‡K Rgv ivL‡Z †M‡j e¨vsK Kg©KZ©v Zv‡K Rvbvb Zuvi wnmvewU eÜ K‡i ivLv n‡q‡Q| wZwb Av‡e`‡bi gva¨‡g wnmvewU cybivq Pvjy K‡i e¨vs‡Ki mv‡_ Pzw³e× nb| K. e¨vsKvi Kv‡K e‡j? 1 L. e¨vsK eë ’v I gy`ªvevRvi wbqš¿‡YB †K› ªxq e¨vsK m„wói

cÖavb D‡Ïk¨| e¨vL¨v Ki| 2 M. Avwgbyj cybivq e¨vs‡Ki mv‡_ Pzw³e× n‡j, Zuvi cÖwZ e¨vsK

Kx Kx `vwqZ¡ cvjb Ki‡e e‡j Zzwg g‡b Ki? gZvgZ `vI| 3 N. DÏxc‡Ki Avwgby‡ji e¨vsK wnmve eÜ Kivi wm×všÍ e¨vs‡Ki

Rb¨ wK †hŠw³K wQj? g~j¨vqb Ki| 4 11 wb‡¤œ `yBwU e¨vs‡Ki Kvh©µg †Ìqv n‡jv

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K. †K›`ªxq e¨vs‡Ki cÖavb wbe©vnx‡K Kx e‡j? 1

L. `vMKvUv †PK ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. DÏxc‡Ki ÔKÕ e¨vsKwU †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. e¨vsK eë¯’vi Dbœq‡b †Kvb e¨vsKwUi f‚wgKv ¸iæZ¡c~Y© e‡j Zzwg g‡b Ki? 4




wdb¨vÝ Ask 1 Rbve †mv‡nj I iæ‡ej `yBRb iW-wm‡g›U eëmvqx| Rbve †mv‡nj eëmv‡qi

weMZ eQ‡ii Avq eënvi K‡i iW-wm‡g‡›Ui cvkvcvwk †XDwUb I wm‡g›U wm‡Ui eëmvq ïiæ K‡ib| Aciw`‡K, Rbve iæ‡e‡ji eë¯’vcbv welqK Ávb I Dchy³ Avw_©K cwiKíbvi Afv‡e wZwb Zvi eëmv‡qi AwR©Z gybvdvi meUzKz cÖwZôv‡b cybtwewb‡qvM bv K‡i cwiev‡ii †fvM-wejvmx cY¨`ªe¨ µ‡qi Rb¨ LiP K‡ib| K. wewb‡qvM wm×všÍ Kx? 1 L. †Kvb ai‡bi cÖwZôv‡bi †ÿ‡Î e¨w³MZ m¤úwË Øviv `vq cwi‡kva

Ki‡Z nq? e¨vL¨v Ki| 2 M. Rbve †mv‡n‡ji eëmv‡q A_©vq‡bi †Kvb bxwZ AbymiY Kiv n‡q‡Q? e¨vL¨v Ki| 3 N. Rbve iæ‡e‡ji eëmvwqK Kvh©µ‡gi Av‡jv‡K Kvievwi A_©vq‡bi

¸iæZ¡ we‡kølY Ki| 4 2 wg. †mvnive GKwU cÖK‡í 50 jÿ UvKv wewb‡qvM Ki‡Z Pvb| Zvi mvg‡b ÔkvcjvÕ I

ÔcÙvÕ bv‡g `ywU cÖKí i‡q‡Q| kvcjv cÖKí n‡Z AvMvgx Pvi eQ‡i AePq I Kic~e© Avq (m¤¢ve¨) h_vµ‡g 15 jÿ UvKv, 18 jÿ UvKv, 20 jÿ UvKv I 22 jÿ UvKv cvIqv hv‡e e‡j aviYv Kiv nq| ÔkvcjvÕ cÖK‡íi †c-e¨vK mgq 3.09 eQi wba©viY Kiv nq| Aciw`‡K, ÔcÙvÕ cÖKí †_‡K AvMvgx Pvi eQ‡i h_vµ‡g 1.05 jÿ UvKv, 1.75 jÿ UvKv, 8.75 jÿ UvKv I 12.25 jÿ UvKv KicieZx© wbU gybvdv cvIqv hv‡e e‡j Abygvb Kiv nq| Dfq cÖK‡íi †ÿ‡Î †Kv¤úvwbi Ki nvi 30%| K. cY¨ êwPÎ¨vqY Kv‡K e‡j? 1 L. g~jab ev‡RwUs-Gi †ÿ‡Î †c-e¨vK mgq c×wZi Zzjbvq Mo

gybvdvi nvi c×wZ DËg †Kb? e¨vL¨v Ki| 2 M. kvcjv cÖK‡íi Mo gybvdvi nvi wbY©q Ki| 3 N. wg. †mvniv‡ei Rb¨ †Kvb cÖKíwU Dchy³ n‡e? †c-e¨vK mg‡qi wfwË‡Z gZvgZ `vI| 4

3 X †Kv¤úvwbi †gvU g~jab 100 †KvwU UvKv hvi g‡a¨ 40% mvaviY †kqvi Ges 60% FY g~jab we`¨gvb| G‡ÿ‡Î †Kv¤úvwbi FY g~jab e¨q 13% Ges Ki nvi 30%| †Kv¤úvwbi evwl©K mvaviY mfvq mvaviY †kqvi g~jab 20% Ges FY g~jab 80% ivLvi wm×všÍ nq| Aciw`‡K, Y †Kv¤úvwbi cÖwZwU 500 UvKv g~‡jï 10 jÿ mvaviY †kqvi g~jab i‡q‡Q| Z‡e eZ©gv‡b cÖwZwU †kqv‡ii evRvig~j¨ 750 UvKv| G †Kv¤úvwbwU MZ eQ‡i †kqvicÖwZ 12% nv‡i jf¨vsk w`‡qwQj| G jf¨vs‡ki nvi cÖwZeQi M‡o 5% nv‡i e„w× cvq| K. †Kvb ai‡bi †kqvigvwjKiv wbw ©ó nv‡i jf¨vsk †c‡q _v‡K? 1 L. Rwg weµq K‡i cÖvß UvKv eÜy‡K avi w`‡j Gi mv‡_ Kxfv‡e my‡hvM

e¨q RwoZ? e¨vL¨v Ki| 2 M. Y †Kv¤úvwbi g~jab e¨q wbY©q Ki| 3 N. X †Kv¤úvwbi g~jab KvVv‡gv cwieZ©‡bi †hŠw³KZv g~j¨vqb Ki| 4

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KvR g~j¨vqb Ki| 4


51 h‡kvi †evW© 2019


wdb¨vÝ Ask 1 gvwng GKRb ÿz`ª wewb‡qvMKvix| wZwb 20 jÿ UvKv cyuwR wb‡q †kqvi

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6 †mv‡nj Zvi Mw”QZ Ajm UvKv wewfbœ Lv‡Z wewb‡qvM K‡i jvfevb n‡Z Pvb| G‡ÿ‡Î Zvi eÜy †Kv¤úvwb KZ…©K Bmy¨K…Z wewfbœ wewb‡qvM nvwZqv‡ii wbR¯^ êwkó¨ I myweav-Amyweav m¤^‡Ü Zv‡K AewnZ K‡ib| †mv‡nj wewb‡qv‡Mi †ÿ‡Î jvf Kg n‡jI †jvKmv‡bi †Zgb SzuwK wb‡Z Pvb bv| ZvB wZwb RvgvbZ MÖnYmv‡c‡ÿ wewb‡qvM K‡ib| wbw`©ó mgq ci AwaK jvfevb nIqvi Avkvq Zvi wewb‡qvMwU‡K Ab¨ GKwU wewb‡qvM Lv‡Z iƒcvšÍ‡ii wm×všÍ MÖnY K‡ib| K. †Kvb evRv‡i wewb‡qvMKvixiv wb‡R‡ì g‡a¨ †kqvi †Kbv‡ePv K‡i? 1 L. ÷K jf¨vsk ej‡Z Kx †evSvq? 2 M. DÏxc‡Ki Av‡jv‡K †mv‡nj †Kvb Lv‡Z wewb‡qvM K‡ib? eY©bv Ki| 3 N. †mv‡n‡ji M„nxZ wm×v‡šÍi †hŠw³KZv g~j¨vqb Ki| 4

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e¨vsK? e¨vL¨v Ki| 3 N. dviRvbvi Kw¤úDUvi hš¿vsk µ‡q Av`k©wjwc e¨vs‡Ki KvRwU we‡kølY Ki| 4

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3 Rbve Zš§q I AwšÍK `yB fvB Zv‡ì ˆcwÎK m¤úwË †_‡K 50,000 UvKv K‡i cvb hv Zviv `ywU wfbœ †ÿ‡Î wewb‡qvM K‡ib|

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K‡i †`LvI †h, Rbve mvËv‡ii †kqviB DËg| 4 5 Rbve Ry‡qj wdb¨v‡Ýi g~j¨vqb cÖwµqv h_vh_fv‡e AbymiY bv K‡iB

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AbymiY Kiv DwPZ e‡j Zzwg g‡b Ki? we‡kølY Ki| 4 e¨vswKs Ask

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A_©‰bwZK Dbœq‡b AwaK Kvh©Ki Zzwg wK Dw³wUi mv‡_ GKgZ? we‡kølY Ki| 4

8 ivKz †gvevBj A¨vÛ mvwf©wms †m›Uv‡ii gvwjK Rbve Imvb ¯’vbxq GKwU e¨vs‡K eëmvwqK †jb‡`b m¤úbœ K‡ib| nVvr mÜ¨v mvZUvq GKRb cvIbv`vi‡K UvKv cwi‡kv‡ai ìKvi nIqvq wZwb GKwU we‡kl h‡š¿i mvnv‡h¨ A_© D‡Ëvjb K‡ib hv Zvi KvR‡K mnR K‡i †`q| K. †h e¨vs‡Ki †Kv‡bv kvLv _v‡K bv Zv‡K †Kvb e¨vsK e‡j? 1 L. evwYwR¨K e¨vsK Kxfv‡e gybvdv AR©b K‡i? e¨vL¨v Ki| 2 M. Rbve Imvb e¨vs‡K †Kvb ai‡bi wnmve Ly‡j‡Qb? e¨vL¨v Ki| 3 N. Rbve Imv‡bi M„nxZ e¨vswKs †mev Zvi g‡Zv eëmvqx‡ì

KvR‡K mnR K‡i‡Q Zzwg wK Gi mv‡_ GKgZ? we‡kølY Ki| 4 9 Avwbœi evev PÆMÖv‡gi c‡Z½vq RvnvR fvOv wkíKviLvbv wbg©v‡Yi

Rb¨ GKwU e¨vsK †_‡K 5 jÿ UvKv FY wb‡q‡Qb| Avwbœi PvPv Ggb GKwU e¨vs‡K PvKwi K‡ib hv miKvwi gvwjKvbvq GKwU cwiPvjbv cl©` Øviv wbqwš¿Z| K. e¨vsK Zvi g‡°‡ji cÖvc¨ my` Kxfv‡e Zvi wnmv‡e Rgv K‡i? 1 L. evwofvov Av`vq Kiv e¨vs‡Ki †Kvb ai‡bi KvR? e¨vL¨v Ki| 2 M. Avwbœi evev †Kvb e¨vsK †_‡K FY MÖnY K‡i‡Qb? e¨vL¨v Ki| 3 N. Avwbœi PvPv †h e¨vs‡K PvKwi K‡ib Zv †`‡ki cÖavb e¨vsK

we‡kølY Ki| 4 10 Rbve iæ‡ej 60 nvRvi UvKvq GKwU Kw¤úDUvi µq K‡i ÔkmxÕ

e¨vs‡Ki GKwU †P‡K g~j¨ cwi‡kva K‡i| Zvi eÜy ivwKe D³ e¨vsK †_‡K 13% my‡` 4 jÿ UvKv FY MÖnY K‡i| K. SzuwKi cwigvY Kgv‡bv hvq †Kb? 1 L. Ògy`ªv Qvov e¨vsK APjÓ Dw³wU e¨vL¨v Ki| 2 M. Rbve ivwK‡ei cÖ`Ë eë ’v ÔkmxÕ e¨vs‡Ki Av‡qi †Kvb

Drm‡K wb‡`©k K‡i? e¨vL¨v Ki| 3 N. ÔkmxÕ e¨vs‡Ki Rbve iæ‡ej‡K cÖ`Ë myweav miKv‡ii †bvU cÖPj‡bi

KvR‡K mnR K‡i †`q Zzwg wK Gi mv‡_ GKgZ? hyw³ `vI| 4 11 Rbve wknve Rvcv‡bi mvsnvB †Kv¤úvwbi mv‡_ eëmvwqK †jb‡`b

m¤úv`‡b cÖvqB we‡`‡k mdi K‡ib| Aciw`‡K Zvi eÜy AemicÖvß miKvwi Kg©KZ©v Rbve AvKgj Zvi †cbk‡bi 25 jÿ UvKv 5 eQ‡ii Rb¨ RbZv e¨vsK wjwg‡UW G Rgv iv‡Lb| K. evsjv‡`k e¨vsK †KvbwU iÿvq ¸iæZ¡c~Y© f‚wgKv cvjb K‡i Avm‡Q? 1 L. e¨vsK Kxfv‡e MÖvn‡Ki g~jëvb m¤ú‡ì wbivcËv weavb K‡i? 2 M. Rbve wknv‡ei Rb¨ †Kvb ai‡bi e¨vsK wnmve Dchy³? e¨vL¨v Ki| 3 N. Rbve AvKg‡ji e¨vsK wnmv‡ei †ÿ‡Î e¨vsK D”P nv‡i my`

cÖ`vb K‡i we‡kølY Ki| 4


54 wm‡jU †evW© 2019


wdb¨vÝ Ask 1 wg. AvRgvBb ˆZwi †cvkvK Drcv`bKvix| Zvi wewb‡qvMK…Z cÖK‡íi weMZ

cuvP eQ‡ii Mo Avq 14% Ges 7%| C` cieZ©x mg‡q myZv I Kvc‡oi `vg K‡g hvIqvq fwel¨‡Z AwaK gybvdvi Avkvq GB cÖK‡í cÖPzi A_© wewb‡qvM K‡ib| †fv³vi iæwP I cQ›` cwieZ©b nIqvq Zvi cÖZ¨vkv Abyhvqx weµq n‡”Q bv| ZvB wZwb AcivwRZv e¨vsK n‡Z FY wb‡q grm¨ cÖK‡í wewb‡qvM K‡ib| D³ cÖKí n‡Z AvMvgx cuvP eQ‡ii m¤¢ve¨ Av‡qi nvi h_vµ‡g : 25%, 22%, 20%, 15% I 18%| wZwb mwVKfv‡e eëmvq cwiPvjbv Ki‡Z cvi‡jI e¨vsK my` cwi‡kv‡a wngwkg Lv‡”Qb| K. AwbðqZv Kx? 1 L. miKvi KZ…©K Bmy¨K…Z wewb‡qvM †ÿÎ SzuwKgy³ †Kb? e¨vL¨v Ki| 2 M. wg. AvRgvBb eëmvwqK `„wó‡KvY †_‡K †Kvb ai‡bi SzuwKi m¤§yLxb nb? eY©bv Ki| 3 N. wg. AvRgvB‡bi Rb¨ †Kvb cÖKíwU jvfRbK? we‡kølY Ki| 4

2 Rbve myRb Kz‡q‡Z PvKwi K‡ib| wZwb cÖwZ gv‡m Zvi †eZ‡bi UvKv evsjv‡`‡k ¯¿xi wbKU cvVvb| ¯¿x D³ UvKv w`‡q MÖv‡g wekvj GKwU Lvgvi cwiPvjbvi KvR ïiæ K‡ib| wZwb D³ Lvgv‡i nuvm-gyiwM, Mevw` cï cvjb K‡ib| Aciw`‡K, Rbve mygb GKwU dv÷dz‡Wi eëmvq cwiPvjbv K‡ib| wZwb eëmv‡qi GKwU wd«R µq K‡ib| wd«RwU †Kbvi c~‡e© wZwb fwel¨‡Z weµq e„w×i cwigvY I wd«‡Ri LiP Zzjbvg~jK we‡kølY K‡ib| GQvov wZwb ˆ`wbK weµqjä A_© †_‡K cÖwZw`‡bi wewfbœ LiP wbe©vn K‡ib| K. IDB Gi c~Y©iƒc †jL| 1 L. e¨vsK †_‡K 5 eQi †gqvw` FY wb‡q Kg©Pvixi †eZb cwi‡kva Ki‡j

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3 †Wëv †Kv¤úvwbi g~ja‡bi kZfvM mvaviY †kqvi Øviv MwVZ| †gvU g~jab cÖwZwU 1,000 UvKv g~‡jï 50,000 mvaviY †kqv‡i wef³| eZ©gv‡b cÖwZwU †kqv‡ii evRvi g~j¨ 1,600 UvKv| †Kv¤úvwb MZ eQi †kqvicÖwZ 15% nv‡i jf¨vsk w`‡qwQj| G jf¨vsk e„w×i nvi cÖwZeQi 10%| wgZvwj †Kv¤úvwbi eZ©gvb g~jab KvVv‡gvq †`Lv hvq, cÖwZwU 1,000 UvKv g~‡jï 1,000 mvaviY †kqvi, cÖwZwU 1,000 UvKv g~‡jï 1,000 AMÖvwaKvi †kqvi Ges 12% FY g~jab 80 jÿ UvKv| cÖwZwU mvaviY †kqvi I AMÖvwaKvi †kqv‡ii evRvig~j¨ h_vµ‡g 1,600 UvKv I 1,250 UvKv| †kqvicÖwZ jf¨vs‡ki nvi mvaviY †kqv‡i 10% I AMÖvwaKvi †kqv‡ii 8%| †Kv¤úvwbi mvaviY †kqvi g~jab e¨q 6.25%, Mo g~jawb e¨q 7.5% Ges Ki nvi 35%| †Kv¤úvwbi cwiPvjbv cl©` bZzb g~jab KvVv‡gv wn‡m‡e mvaviY †kqvi g~jab 80%, AMÖvwaKvi †kqvi g~jab 10% Ges FY g~jab 10% ivLvi cÖ¯Íve †`q| K. msiwÿZ Avq Kv‡K e‡j? 1 L. eëmv‡q wbR¯^ g~jab eënvi Ki‡j Zvi mv‡_I g~jab e¨q RwoZ e¨vL¨v Ki| 2 M. †Wëv †Kv¤úvwbi g~jab e¨q wbY©q Ki| 3 N. wgZvwj †Kv¤úvwbi cÖ¯ÍvweZ g~jab KvVv‡gvi †hŠw³KZv g~j¨vqb Ki| 4

4 Rbve cv‡ej cÖxwZ †Kv¤úvwbi GKRb †kqvi‡nvìvi| GB †Kv¤úvwb cÖwZeQi †kqvi‡nvìvi‡ì Ggbfv‡e jf¨vsk cÖ`vb K‡i, hvi d‡j †Kv¤úvwbi †Kv‡bv A_© e¨q nq bv| GgbwK †kqvi‡nvìviMYI bM‡` jvfevb nq bv| Z‡e †Kv¤úvwbi †kqvi g~jab e„w× cvq| ax‡i ax‡i cÖxwZ †Kv¤úvwbi †kqv‡ii ìcZb NU‡Z _v‡K| d‡j cÖxwZ †Kv¤úvwbi †kqvi wewµ K‡i Rbve cv‡ej Avw_©Kfv‡e ÿwZMÖ¯Í nb| D³ A_© Rbve cv‡ej BwZ †Kv¤úvwbi Ggb wewb‡qvM nvwZqv‡i wewb‡qvM Ki‡Z Pvb hv †_‡K wZwb wbqwgZ GKwU wbw`©ó Avq †c‡Z cv‡ib| Z‡e wZwb BwZ †Kv¤úvwb‡K wm×všÍ MÖn‡Y gZvgZ cÖ`v‡b ivwR bb| GQvov me ai‡bi cvIbv`v‡ii `vwei Av‡M wb‡Ri cvIbvi `vwe iv‡Lb| K. cÖv_wgK †kqvievRvi Kv‡K e‡j? 1 L. w ’i jf¨vs‡ki mv‡_ AwZwi³ jf¨vsk cÖ`vb bxwZwU GKwU Av`k©

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5 GgweG cvm K‡i K‡qKRb eÜy GKwÎZ n‡q wb‡R‡ì ga¨ †_‡K cÖ‡qvRbxq A_© msMÖn K‡i ÔRvMiY wj.Õ bv‡g GKwU †Kv¤úvwb cÖwZôv K‡ib| ax‡i ax‡i †Kv¤úvwbi Kvh©‡ÿ‡Îi cÖmvi NUvq eo A‡¼i g~jab cÖ‡qvRb nq| GK †KvwU UvKv F‡Yi Rb¨ Ômyigv e¨vs‡KiÕ wbKU †M‡j e¨vsK †Kv¤úvwbi m¤ú‡ì `wjjcÎ Rgv ivL‡Z ej‡jb| Rgv ivLvi g‡Zv †Kv¤úvwbi †Kv‡bv `wjjcÎ bv _vKvq FY wb‡Z cv‡iwb| †Kv‡bv Dcvq bv †c‡q Rbmvavi‡Yi wbKU †kqvi wewµ K‡i GK †KvwU UvKv g~jab msMÖn K‡ib| K. ewn ’ Znwej Kv‡K e‡j? 1 L. wewWweGj †Kb we‡klvwqZ Avw_©K cÖwZôvb? e¨vL¨v Ki| 2 M. RvMiY wj. MV‡bi †ÿ‡Î cÖ‡qvRbxq A_© A_©vq‡bi †Kvb Drm †_‡K

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e¨vswKs Ask 7 Kzwgjøv ÔwSbyK e¨vsKÕ-Gi g‡bvnicyi kvLvq Rbve mvqg‡bi GKwU e¨vsK

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wdb¨vÝ Ask 1 Rbve eveyj hvZvqvZ eë ’vi DbœwZi K_v wPšÍv K‡i avb wewµi cvkvcvwk

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wb‡jb? e¨vL¨v Ki| 3 N. A_©vq‡bi bxwZgvjvi Av‡jv‡K Rbve evey‡ji Kvh©µ‡gi †hŠw³KZv

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Zv‡K KZ UvKv Rgv ivL‡Z n‡e wbY©q Ki| 3 N. AešÍx †eM‡gi Rb¨ †Kvb e¨vs‡K UvKv Rgv ivLv jvfRbK n‡e?

gZvgZ `vI| 4 3 Rbve Mdzi GKRb wewb‡qvMKvix| wZwb g~ja‡bi 40% mvaviY †kqvi Ges

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wbY©‡qi gva¨‡g gZvgZ `vI| 4 4 ceb PvKgv g~jab ev‡RwUs-Gi AwaK MÖnY‡hvM¨ c×wZi gva¨‡g

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†hŠw³KZv we‡kølY Ki| 4 5 Anbv Mv‡g©›U‡mi gvwjK iv‡mj Avn‡¤§` cÖwZeQi †h cwigvY gybvdv AR©b

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e¨vL¨v Ki| 2 M. Anbv Mv‡g©›Um gybvdv msiÿ‡Yi gva¨‡g †Kvb ai‡bi Znwe‡ji m„wó

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cÖwZôvb¸‡jv Kx ai‡bi mnvqZv cÖ`vb K‡i Zv g~j¨vqb Ki| 4 6 kvIb I iweb Ô ‹qviÕ †Kv¤úvwbi gvwjK| iweb Zvi gybvdvi Ask wbwðZ

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K. wejw¤^Z †kqvi Kx? 1 L. wewb‡qv‡Mi †Kvb nvwZqviwU me©vwaK SzuwKc~Y©? e¨vL¨v Ki| 2 M. DÏxc‡Ki iweb †Kvb ai‡bi †kqv‡ii gvwjK? Av‡jvPbv Ki| 3 N. Ô¯‹qviÕ †Kv¤úvwbi Rb¨ PjwZ eQ‡i †Kvb ai‡bi jf¨vsk bxwZ

Dchy³? hyw³mn gZvgZ `vI| 4 e¨vswKs Ask

7 Aveyj †nv‡mb Gwe e¨vs‡K wnmve †Lvjvi mgq bgybv ¯^vÿi Kv‡W© cy‡ivbvg evsjvq ¯^vÿi K‡ib| cieZx©‡Z †PK cÖ ‘‡Zi mgq Bs‡iwR‡Z ms‡ÿ‡c ¯^vÿi K‡ib| e¨vsK Aveyj †nv‡m‡bi cÖ ‘ZK…Z GKwU †P‡Ki A_© Zvi cvIbv`vi wg. iwdK‡K cwi‡kva K‡ibwb| wg. iwdK e¨vs‡Ki Kv‡Q †P‡Ki A_© cwi‡kva bv Kivi KviY Rvb‡Z PvB‡j e¨vsKvi G Z_¨ cÖ`v‡b AcviMZv cÖKvk K‡ib| K. Mviwbwk AW©vi Kx? 1 L. †Kvb cÖKv‡ii †PK MÖvn‡Ki Rb¨ AwaK wbivc`? e¨vL¨v Ki| 2 M. e¨vsK Aveyj †nv‡m‡bi cÖ ‘ZK…Z †P‡Ki UvKv cwi‡kv‡a A¯^xK…wZ

Rvbvq †Kb? e¨vL¨v Ki| 3 N. e¨vsKvi wg. iwdK‡K †P‡Ki A_© cwi‡kva bv Kivi KviY Rvbv‡Z

AcviMZv cÖKvk K‡ib †Kb? we‡kølY Ki| 4 8 h‡kv‡ii ivRvi nvU GjvKvq †Kv‡bv e¨vsK bv _vKvq bM` A‡_©i wbivcËvi

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f‚wgKv iv‡L gZvgZ `vI| 4 9 Rbve gvgyb GKRb PvKwiRxex| Zvi B”Qv cÖwZ gv‡mi †eZb n‡Z wbw ©ó

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e¨vL¨v Ki| 2 M. Rwg µ‡qi j‡ÿ¨ Rbve gvgyb †Kvb ai‡bi wnmve †Lv‡jb? eY©bv Ki| 3 N. Zzwg wK g‡b Ki e¨vswKs Kvh©µg Rbve gvgy‡bi mgm¨vi jvNe Ki‡Z

cv‡i? hyw³mn DËi `vI| 4 10 ‹zjco–qv Zvbnvi wPwKrmvi Rb¨ XvKvq hvIqvi cÖ‡qvRb nq| XvKvq †cuŠ‡Q

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nq? e¨vL¨v Ki| 2 M. Zvbnvi evev nvmcvZv‡ji e¨q wbe©v‡ni Rb¨ †Kvb wnmvewU eënvi

K‡i‡Qb? eY©bv `vI| 3 N. A‡_©i wbivcËvi Rb¨ f`ª‡jvKwUi †P‡q Zvbnvi evevi c`‡ÿcwU

mwVK wQj g~j¨vqb Ki| 4 11 ÔAvkvÕ e¨vsK ïiæ †_‡KB evwYwR¨K D‡Ï‡k¨ Kvh©µg cwiPvjbv Ki‡Q|

evwYwR¨K e¨vsK †h mKj KvR K‡i, ÔAvkvÕ e¨vsK †m iKg KvR K‡i| e¨vsK RbM‡Yi mwÂZ A_© MÖnY K‡i wfbœ wfbœ Lv‡Z FY cÖ`v‡bi gva¨‡g gybvdv AR©b K‡i| ÔAvkvÕ e¨vsK gybvdv AR©‡bi cvkvcvwk wewfbœ my‡hvM-myweav cÖ`vb K‡i mybvg AR©b K‡i| K. wej evÆvKiY Kx? 1 L. Ò†gvevBj e¨vswKsÓ evwYwR¨K e¨vs‡Ki †Kvb ai‡bi D‡Ïk¨ AR©‡b

mnvqZv K‡i? e¨vL¨v Ki| 2 M. ÔAvkvÕ e¨vsK Kxfv‡e Zvi e¨vswKs Kvh©vewj cwiPvjbv K‡i? e¨vL¨v Ki| 3 N. ÔAvkvÕ e¨vsK eëmvq cwiPvjbvq mdj nIqvi Rb¨ †h mKj

my‡hvM-myweav cÖ vb K‡i _v‡K Zv g~j¨vqb Ki| 4




[`ªóe¨ : Wvb cv‡ki msL¨v cÖ‡kœi c~Y©gvb ÁvcK| wdb¨vÝ Ask †_‡K Kgc‡ÿ wZbwU Ges e¨vswKs Ask †_‡K Kgc‡ÿ wZbwUmn †gvU mvZwU cÖ‡kœi DËi `vI|] wdb¨vÝ Ask

1 gyiv` G›UvicÖvBR GKwU †cvkvK cÖ ‘ZKviK cÖwZôvb| XvKvi mvMi eªv`v‡m©i wbKU 500wU kvU© †cÖiY Ki‡Z n‡e| GRb¨ Kvco µ‡qi hveZxq A_© mvMi eªv`v‡m©i wbKU n‡Z msMÖn K‡ib| GQvovI cÖwZôv‡bi Kv‡Ri cÖ‡qvR‡b 5 eQ‡ii Rb¨ GKwU wgwb UªvK jvM‡e hvi g~j¨ 10,00,000 UvKv| cÖwZôvbwU GKwU Avw_©K cÖwZôv‡bi KvQ †_‡K wbw`©ó fvov cÖ`v‡bi wewbg‡q UªvKwU msMÖn Ki‡jb| K. Drcv`‡bi DcKiY Kx Kx? 1 L. Pvwn`vi `ªæZ cwieZ©bkxjZvi Kvi‡Y †Kvb †gqvw` A_©vqb Dchy³?

e¨vL¨v Ki| 2 M. Kvco µ‡qi Rb¨ A_© msMÖn gyiv` G›UvicÖvB‡Ri †Kvb ai‡bi

A_©vq‡bi Drm? e¨vL¨v Ki| 3 N. gyiv` G›UvicÖvB‡Ri wgwbUªvKwU msMÖ‡ni DrmwUi h_v_©Zv g~j¨vqb Ki| 4

2 eëmvqx mygb mv‡ne bZzb wWRvB‡bi RyZv Drcv`‡bi j‡ÿ¨ 4 eQ‡ii Rb¨ 10 jÿ UvKv wewb‡qvM Kivi K_v fve‡Qb| hv n‡Z weµq n‡Z cv‡i h_vµ‡g 2 jÿ, 5 jÿ, 3 jÿ I 7 jÿ UvKv| hvi PjwZ LiP weµ‡qi 20% I ¯’vqx LiP 2 jÿ UvKv, Ki nvi 30% Ges AePq 20,000 UvKv| cÖwZôvbwUi Av`k© Mo gybvdvi nvi 20%| K. bM` AvšÍtcÖevn Kx? 1 L. UªvK µ‡qi †ÿ‡Î jvfRbKZv hvPvB‡qi cÖwµqvwU e¨vL¨v Ki| 2 M. Rbve myg‡bi wewb‡qvMK…Z cÖK‡íi bM` cÖev‡ni cwigvY wbY©q Ki| 3 N. Mo gybvdvi nvi wbY©qc~e©K Rbve myg‡bi wewb‡qvM Kiv h_v_© n‡e

wKbv? civgk© `vI| 4 3 iveŸvbx mv‡ne GKwU e¨vsK n‡Z lvš§vwmK 5% nv‡i 8 eQ‡ii Rb¨

5,00,000 UvKv msMÖn K‡ib| wZwb D³ UvKv Òmyigv e¨vsKÓ G 8 eQ‡ii Rb¨ 9.5% gvwmK Pµe„w×‡Z ivL‡Z Pv‡”Qb| Ab¨w`‡K Zvi ¯¿x civgk© w`‡jb †h, D³ UvKvq GKwU cyKzi wKb‡j GKB mg‡q Zvi g~j¨ wØ¸Y n‡e| GQvovI cyKzi †_‡K gvQ Pvl K‡i cÖwZeQi Zvi AviI 1 jÿ UvKv Avq n‡e| K. Pµe„w× my` Kx? 1 L. my‡hvM e¨q wba©vi‡Y A‡_©i mgqg~‡jï ¸iæZ¡ e¨vL¨v Ki| 2 M. iveŸvbx mv‡n‡ei M„nxZ F‡Yi cÖK…Z my‡ì nvi wbY©q Ki| 3 N. myigv e¨vsK n‡Z iveŸvbx mv‡ne KZ UvKv cv‡e Zv wbY©qc~e©K ¯¿xi

civgk© MÖnY mwVK n‡e wKbv? g~j¨vqb Ki| 4 4 Rbve wkgyj wbR g~jab I PvPvi KvQ †_‡K FY wb‡q †µZv‡ì Pvwn`vi

K_v wPšÍv K‡i mKj eq‡mi †µZv‡ì Rb¨ †cvkvK, Km‡gwUKm, †Ljbv, e¨vM, RyZv BZ¨vw` weµ‡qi †`vKvb †`b| weµq n‡Z cÖvß 5 nvRvi UvKv wZwb e¨vs‡K Rgv iv‡Lb| d‡j G gv‡m wZwb `yBRb Kg©Pvixi †eZb cwi‡kva Ki‡Z cv‡ibwb| GQvov we y¨r Awdm Zvi †`vKv‡bi we`y¨r ms‡hvM wew”Qbœ Kivi wm×všÍ wb‡q‡Q| K. A_©vqb eë¯’vcbv Kx? 1 L. Awd‡mi Rb¨ ÔGwm µqÕ A_© eë ’vc‡Ki †Kvb ai‡bi wm×všÍ?

e¨vL¨v Ki| 2 M. wkgyj mv‡ne †Kvb ai‡bi A_©vqb K‡i‡Qb Zv e¨vL¨v Ki| 3 N. A_©vq‡bi bxwZi Av‡jv‡K wkgyj mv‡n‡ei eëmvwqK Kvh©µg g~j¨vqb Ki| 4

5 PvKwiRxex wg‡mm mvewibv AwZwi³ A_© DcvR©‡bi Rb¨ †kqvi evRv‡i `ywU †Kv¤úvwb‡Z wewb‡qvM K‡i‡Qb| ÔwUDwjcÕ †Kv¤úvwb‡Z wewb‡qvM K‡i wZwb MZ wZb eQ‡i 5%, 10%, 3% nv‡i jf¨vsk cvb| G †Kv¤úvwbi evwl©K mvaviY mfvq wZwb gZvgZ †`b| Ab¨w`‡K ÔAwK©WÕ †Kv¤úvwbi evwl©K mvaviY mfvq Zv‡K WvKv nqwb Ges †Kv¤úvwb G eQi AwaK gybvdv Ki‡jI Zv‡K MZ eQ‡ii g‡Zv 5% nv‡iB my` †`q| m¤úÖwZ mvewibvi UvKvi cÖ‡qvRb n‡j wZwb ÔwUDwjcÕ †Kv¤úvwbi wewb‡qvMwU bM`vqb K‡ib| K. ivBU †kqvi Kx? 1 L. F‡Yi gva¨‡g A_©vqb myweavRbK †Kb? e¨vL¨v Ki| 2 M. wg‡mm mvewibvi ÔAwK©WÕ †Kv¤úvwb‡Z wewb‡qv‡Mi aibwU Kx? eY©bv Ki| 3 N. mvewibvi `ywU †Kv¤úvwbi g‡a¨ †KvbwU †_‡K †m †ewk myweav †c‡q‡Q

e‡j Zzwg g‡b Ki? gZvgZ `vI| 4 6 ÷vi †Kv¤úvwb wjwg‡UW g~ja‡bi 20% mvaviY †kqvi, 40% wW‡eÂvi

Ges 40% eÛ †_‡K A_©vqb K‡ib| msM„nxZ A_© †Kv¤úvwbwUi `ywU cÖK‡í wewb‡qv‡Mi my‡hvM i‡q‡Q| Avkv Kiv hv‡”Q, wZwb cÖKí ÔRywcUviÕ †_‡K

AvMvgx 5 eQ‡i Avq Ki‡Z cvi‡eb h_vµ‡g 8%, 10%, 7%, 0% I 9%| Ab¨w`‡K cÖKí ÔkwbiÕ Avq we‡kølY K‡i Av`k© wePz¨wZ †c‡q‡Qb 11%|

K. cwiPvjb e¨q †gUv‡bvi mÿgZv wK‡mi Ici wbf©i K‡i? 1 L. mvaviY †kqvi SzuwKgy³ Avq bq †Kb? e¨vL¨v Ki| 2 M. ÷vi †Kv¤úvwbi †ÿ‡Î †Kvb ai‡bi SzuwK we`¨gvb? e¨vL¨v Ki| 3 N. ÷vi †Kv¤úvwbi †Kvb cÖK‡í wewb‡qvM Kiv DwPZ? Av`k© wePz¨wZ

wbY©‡qi gva¨‡g gZvgZ `vI| 4 e¨vswKs Ask

7 ivZzj Zvi cwievi‡K wb‡q ïµevi mÜ¨vq †cwbbmyjvq †L‡Z †M‡jb| LvIqvi wej wZwb GKwU B‡jKUªwbK c‡Yï gva¨g w`‡jb Ges gvm †k‡l we‡j A_© cwi‡kva K‡ib| ivZzj mv‡n‡ei eëmv‡qi cwiwa w`b w`b e„w× cvIqvi Kvi‡Y wZwb Zvi cÖwZôv‡bi cv‡kB ÔKÕ bvgK e¨vs‡K GKwU bZzb wnmve Lyj‡Z Pv‡”Qb| e¨vsKwU Ab¨ eëmvqx‡ì wbKU LyeB cwiwPZ| Zvi Av‡Mi e¨vsK †_‡K GLv‡b wZwb †ewk myweavI cv‡eb| wZwb †`‡ki †h‡Kv‡bv cÖv‡šÍ wM‡q GB e¨vs‡Ki mv‡_ †jb‡`b Ki‡Z cvi‡eb Ges GB e¨vs‡K †mevi LiPI Kg| K. ZvwjKvfz³ e¨vsK Kx? 1 L. Avg`vwbKvi‡Ki †ÿ‡Î †Kvb wnmve AwaK Dchy³? e¨vL¨v Ki| 2 M. ivZzj mv‡ne †Kvb B‡jKUªwbK c‡Yï gva¨‡g wej cwi‡kva

K‡i‡Qb? eY©bv Ki| 3 N. ÔKÕ e¨vs‡Ki mv‡_ m¤úK© m„wói †ÿ‡Î ivZzj mv‡n‡ei we‡eP¨

welq¸‡jv we‡kølY Ki| 4 8 iZbcyi GjvKvq †Kv‡bv e¨vsK bv _vKvq eëmvqx‡ì wewfbœ mgm¨vi

m¤§yLxb n‡Z nq| G‡ÿ‡Î GjvKvi wKQy eëmvqx ÔKÕ e¨vs‡Ki AbygwZ wb‡q GKwU e¨vsK cÖwZôv Kivi wm×všÍ †bb| ÔKÕ e¨vsK G eQi †`‡ki ev‡RU cÖYq‡b Ges e„nr we`y¨r †K› ª ’vc‡b cwiKíbv cÖYqb I ev¯Íevq‡b mnvqZv K‡i| MZ gv‡m e¨vsKwU 10 nvRvi gvwK©b Wjvi msiÿY K‡i| K. ê‡`wkK gy ªv wbqš¿Y Kx? 1 L. †K› ªxq e¨vs‡Ki FY wbqš¿‡Yi D‡Ïk¨ Kx? e¨vL¨v Ki| 2 M. iZbcyi GjvKvq e¨vsK cÖwZôv Kivi †ÿ‡Î AbygwZ cÖ`vbKvix

e¨vsKwU †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. DÏxc‡K DwjøwLZ ÔKÕ e¨vs‡Ki m¤úvw`Z Kvh©vewj we‡kølY Ki| 4

9 `yB eÜy cv‡fj I iæ‡gj GKB GjvKvq eëmv cwiPvjbv K‡ib| cv‡fj AwaK Av‡qi Avkvq †Mvjvc e¨vs‡K A_© Rgv iv‡Lb| Zv‡ì KuvPvgvj †Kbvi Rb¨ ZvrÿwYK bM` UvKvi cÖ‡qvRb n‡j cv‡fj e¨vsK n‡Z UvKv Zzj‡Z cv‡ibwb| wKš‘ iæ‡gj Lye mn‡R Zv †c‡i‡Qb| ZvQvov iæ‡g‡ji wnmv‡e 50 nvRvi UvKv _vK‡jI eëmv‡qi cÖ‡qvR‡b wZwb 60 nvRvi UvKv D‡Ëvjb K‡ib| K. e¨vsK Kx? 1 L. †Kvb †PK AwaK wbivc`? e¨vL¨v Ki| 2 M. †Mvjvc e¨vsK †Kvb ai‡bi e¨vsK? e¨vL¨v Ki| 3 N. iæ‡gj I cv‡f‡ji Kv‡Ri aib Abyhvqx Zv‡ì e¨vsK wnmv‡ei

h_v_©Zv Zzjbvg~jK we‡kølY Ki| 4 10 Zwi †cvkvK eëmvqx widvZ †Kvwiqvi mvbweg †Kv¤úvwb n‡Z wKQy hš¿cvwZ

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m¤úvw`Z KvRwU e¨vL¨v Ki| 3 N. e¨vsK bxwZi Av‡jv‡K DÏxc‡Ki ÔiƒcmvÕ e¨vs‡Ki Kvh©µg we‡kølY

Ki| 4 11 mvbwR`v ingvb gvwmK 35,000 UvKv †eZb †c‡jb| G †_‡K 5,000 UvKv

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e¨vL¨v Ki| 2 M. mvbwR`v ingv‡bi Kvh©µ‡gi †ÿ‡Î gy ªvi Kvh©KvwiZv e¨vL¨v Ki| 3 N. DÏxc‡Ki Av‡jv‡K ÔkvcjvÕ e¨vs‡Ki Kvh©µg we‡kølY Ki| 4


57 mKj †evW© 2018



wdb¨vÝ Ask 1 wg. kv‡n` GKRb ÿz`ª eëmvqx| bZzb evwo wbg©v‡Yi Rb¨ wZwb

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†hŠw³K e‡j Zzwg g‡b Ki? gZvgZ `vI| 4 2 wg. †iRvDj 5 eQi ci 1,00,000 UvKv cvIqvi Avkvq eZ©gv‡b

wKQy UvKv e¨vs‡K Rwg‡q ivL‡Z Pvb| RbZv e¨vsK Zv‡K evwl©K 10% nv‡i my` cÖ`v‡bi cÖ¯Íve w`‡q‡Q Ges WvP& evsjv e¨vsK Zv‡K 9% nvi gvwmK Pµe„w×i cÖ¯Íve w`‡q‡Q| K. EAR-Gi c~Y©iƒc wjL| 1 L. evÆvKiY cÖwµqv Kx? e¨vL¨v Ki| 2 M. 5 eQi ci 1,00,000 UvKv cvIqvi Rb¨ wg. †iRvDj‡K

RbZv e¨vs‡K KZ UvKv Rgv w`‡Z n‡e? 3 N. †Kvb e¨vs‡K UvKv Rgv ivL‡j Rbve †iRvDj AwaKZi

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K‡ib| cÖKíwU †_‡K MZ 5 eQ‡i cÖvß Av‡qi nvi wb¤œiƒc- eQi-1 eQi-2 eQi-3 eQi-4 eQi-5 10% 10% 14% 16% 20%

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G ev‡Kï mv‡_ GKgZ? hyw³ `vI| 4 e¨vswKs Ask

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Kg©KZ©v‡K e¨vsK eëmv‡qi †Kvb bxwZwU we‡ePbv Kiv DwPZ e‡j Zzwg g‡b Ki? gZvgZ `vI| 4

9 Rbve ingvb GKRb wbw`©ó Av‡qi PvKwiRxex| wZwb Zuvi AwR©Z Av‡qi me UvKv LiP bv K‡i cÖwZgv‡m wKQy UvKv mÂq K‡ib| wZwb D³ mÂqK…Z A_© wbivc‡` Rgv ivLvi D‡Ï‡k¨ GKwU e¨vsK wnmve †Lvjvi wm×všÍ †bb| e¨vsK wnmve †Lvjvi ci m‡e©v”P myweav †fvM Kivi D‡Ï‡k¨ wZwb e¨vs‡K wnmve †Lvjvi we‡eP¨ welq¸‡jv wb‡qI wPšÍvfvebv Ki‡Qb| K. e¨vswKs eëmv‡q wjß e¨w³‡K Kx e‡j? 1 L. †Kvb e¨vsK‡K F‡Yi †kl AvkÖq ’j ejv nq? e¨vL¨v Ki| 2 M. Rbve ingv‡bi e¨vsK wnmv‡ei aib eY©bv Ki| 3 N. e¨vs‡K wnmve †Lvjvi we‡eP¨ welq¸‡jv wb‡q wPšÍvfvebv Kiv

Rbve ingv‡bi Rb¨ KZUzKz hyw³hy³? g~j¨vqb Ki| 4 10 wewkó eëmvqx Rbve Avjx e¨vsK †_‡K UvKv D‡Ëvj‡bi D‡Ï‡k¨

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Avb‡j Zvi 8g †kÖwY coyqv †Q‡j cÖ‡Z¨KwU †bv‡Ui Dci ÔLÕ e¨vs‡Ki bvg †jLv †Kb Zv Rbv‡Z Pvq wZwb Zvi †Q‡ji cÖ‡kœi Rev‡e e‡jb, ÔLÕ e¨vsK n‡”Q †`‡ki †bvU I gy`ªv cÖPj‡bi ÿgZvcÖvß GKgvÎ cÖwZôvb| ZvQvov GB e¨vsK Zvi Aaxb¯’ ÔKÕ e¨vs‡Ki g‡Zv Ab¨vb¨ e¨vsKmg~‡ni FY wbqš¿Ymn Ab¨vb¨ e¨vswKs Kvh©vewj‡Z mnvqZv K‡i _v‡K| K. †Kvb wnmv‡e mvaviYZ †Kv‡bv my` cÖ`vb Kiv nq bv? 1 L. LC Kx? e¨vL¨v Ki| 2 M. DÏxc‡Ki ÔKÕ e¨vsK †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. ÔLÕ e¨vsK Zvi Aaxb¯’ ÔKÕ e¨vsKmg~‡ni FY wbqš¿‡Yi gva¨‡g

g~j¨¯Íi w ’wZkxj ivL‡Z ¸iæZ¡c~Y© f‚wgKv iv‡L g~j¨vqb Ki| 4


58 mKj †evW© 2017



wdb¨vÝ Ask 1 Rbve nviæb agx©q Drme‡K mvg‡b †i‡L me ai‡bi †µZv‡ì K_v

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cwijwÿZ nq? e¨vL¨v Ki| 3 N. eëmvq m¤úÖmvi‡Y A_©vq‡bi †Kvb Drm Rbve nviæ‡bi Rb¨

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5 Rbve wK‡kvi 6 eQ‡ii Rb¨ 7,00,000 UvKv wewb‡qvM Ki‡Z Pvb| GRb¨ wZwb ÒkvšÍvÓ I Òm¤úvÓ bvgK `yBwU cÖKí we‡kølY K‡ib| cÖKí¸‡jv †_‡K AvMvgx 6 eQ‡i m¤¢ve¨ bM` AvšÍtcÖev‡ni cwigvY wb¤œiƒc :

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(UvKv) (UvKv) (UvKv) (UvKv) (UvKv) (UvKv) kvšÍv 2,30,000 1,80,000 2,00,000 1,90,000 1,50,000 1,30,000

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kxl©¯’vbxq ¯‹z‡ji wbe©vPwb cix¶vi cÖkœcÎ I DËigvjv : eûwbe©vPwb

61 gwZwSj miKvwi evjK D”P we`¨vjq, XvKv

mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. A_©vq‡bi me‡P‡q ¸iæZ¡c~Y© aib †KvbwU? K miKvwi A_©vqb L †emiKvwi A_©vqb M eëmvq A_©vqb N cvwievwiK A_©vqb 2. SzuwK n«v‡m Znwej msMÖ‡ni †ÿ‡Î †Kvb

bxwZ eënvi Kiv hvq? K gybvdvbxwZ L Zvij¨bxwZ M Dchy³Zvi bxwZ N SzuwK eÈb bxwZ 3. †Kvb Znwej A_©ms ’v‡bi cÖavb Drm

wn‡m‡e KvR K‡i? K ewn¯’ L jf¨vsk M Aew›UZ N mwÂZ 4. ¯^í‡gqvw` A_©vq‡bi Drm n‡jv

i. cÖvc¨wej evÆvKiY ii. cÖ‡`q wej iii. mwÂZ Znwej


5. Ôiæj 72Õ cÖ‡qvM K‡i wbY©q Kiv hvq †KvbwU? K Avmj UvKv L †gqv` M my‡ì cwigvY N Pµe„w×i msL¨v 6. fwel¨‡Z cybiæ×v‡ii m¤¢vebv †bB Ggb

e¨q‡K Kx ejv nq? K cÖZ¨ÿ e¨q L g~jab e¨q M my‡hvM e¨q N c‡ivÿ e¨q 7. ivnbvg Zvi e„wËi cÖvß 2,000 UvKv 12%

evwl©K my‡` 3 eQ‡ii Rb¨ e¨vs‡K Rgv iv‡L| 3 eQi ci ivnbvg KZ UvKv cv‡e?

K 2,800 UvKv L 2,805 UvKv M 2,810 UvKv N 2,815 UvKv 8. cÖZ¨vwkZ Avq †_‡K cÖK…Z Av‡qi †Kvb

Dcv`vbwU †ewk n‡j SzuwK ev‡o? K AwbðqZv L wePz¨wZ M Avq N e¨q 9. cwiPvjb e¨‡q ’vqx Li‡Pi cwigvY †ewk

n‡j Kx ˆZwi nq? K eëmvwqK SzuwK L my` nv‡ii SzuwK M Zvij¨ SzuwK N Avw_©K SzuwK 10. †UªRvwi wej †Kb SzuwKgy³? K cÖvß Avq AwbwðZ _v‡K e‡j L cÖvß Avq wbw`©ó _v‡K e‡j M cÖvß Avq †ewk nq e‡j N cÖvß Avq Kg nq e‡j DÏxcKwU c‡o 11 I 12 bs cÖ‡kœi DËi `vI : Rbve Kwei Zvi †`vKv‡bi Rb¨ 1 jÿ

UvKv e¨‡q GKwU d‡UvKwc †gwkb µq K‡ib hv †_‡K wZwb AvMvgx 3 eQi 30,000; 50,000 I 25,000 UvKv bM` cÖ`vb cÖevn cÖZ¨vkv Ki‡Qb|

11. cÖ_g eQ‡i Rbve Kwe‡ii cÖv°wjZ wbU gybvdvi cwigvY KZ?

K 0 (k~b¨ UvKv) L 5,000 UvKv M 10,000 UvKv N 15,000 UvKv 12. Rbve Kwei KZ eQ‡i Zvi wewb‡qvM

†diZ cv‡eb? K 2.4 eQi L 2.6 eQi M 2.8 eQi N 4 eQi 13. FY g~jab e¨‡qi c‡ivÿ myweav †KvbwU? K gybvdv e„w× L my` n«vm M Ki n«vm N Znwej n«vm 14. FY g~jab e¨‡qi c‡ivÿ myweav †KvbwU? K gybvdv e„w× L my` n«vm M Ki n«vm N Znwej n«vm 15. cÖeZ©‡Ki †kqvi e‡j AwfwnZ Kiv nq

†KvbwU‡K? K wejw¤^Z †kqvi‡K L ivBU †kqvi‡K M AMÖvwaKvi †kqvi‡K N †evbvm †kqvi‡K 16. †Kv¤úvwbi AewÈZ gybvdv †_‡K †KvbwUi

DrcwË nq? K †evbvm †kqvi L ivBU †kqvi M wejw¤^Z †kqvi N cÖeZ©‡Ki †kqvi 17. mvaviYZ eo I m”Qj †Kv¤úvwbi †kqv‡i

i. Zvij¨ Kg nq ii. Zvij¨ †ewk nq iii. jf¨vsk †ewk nq



18. Kx‡mi Kvi‡Y `ªe¨ wewbgq cÖ_vi mgm¨v nq? K Pvwn`v I †hvMv‡bi AmvgÄm¨Zv L Dc‡hv‡Mi mgm¨v M cwigv‡ci Afve N MYbvi Amyweav 19. we‡k¦i cÖ_g AvaywbK e¨vsK †KvbwU? K e¨vsK Ae f¨vwbm L e¨vsK Ae mvbRwR©qv M e¨vsK Ae Bsj¨vÛ N e¨vsK Ae myB‡Wb 20. gy`ªvevRvi wbqš¿‡Y evwYwR¨K e¨vs‡Ki

f‚wgKv n‡jv i. miKvi‡K mnvqZv †Ìqv ii. †K›`ªxq e¨vs‡Ki mv‡_ KvR Kiv iii. gy`ªvùxwZ wbqš¿Y Kiv



21. †KvbwU evwYwR¨K e¨vs‡Ki Znwe‡ji cÖavb Drm? K avi MÖnY L AvgvbZ M msiwÿZ Znwej N cwi‡kvwaZ g~jab

22. wb‡Pi †KvbwU we‡klvwqZ e¨vsK? K †mvbvjx e¨vsK L AMÖYx e¨vsK M cÖvBg e¨vsK N K…wl e¨vsK 23. AwaK gybvdv AR©‡bi Rb¨ †Kvb wnmve

Dc‡hvMx? K mÂqx wnmve L PjwZ wnmve M FY AvgvbZ wnmve N ’vqx wnmve 24. †Kvb Kv‡W© MÖvnK‡K my`mn FY cwi‡kva

Ki‡Z nq? K †WweU KvW© L †µwWU KvW© M GwUGg KvW© N B›Uvi‡bU e¨vswKs 25. e¨vsK †Kvb Kvi‡Y MÖvn‡Ki wnmve m¤ú~Y©

eÜ K‡i w`‡Z cv‡i? K Z…Zxq †Kvb e¨w³ bvwjk Ki‡j L MÖvnK‡ì †jb‡`b cQ›` bv n‡j M Mviwbwk AW©vi Rvwi n‡j N MÖvnK FY wb‡Z bv PvB‡j 26. †P‡Ki cÖ ‘ZKviK‡K Kx e‡j? K cÖvcK L Av‡`óv M Avw`ó N Aby‡gv`bKvix

DÏxcKwU c‡o 27 I 28 bs cÖ‡kœi DËi `vI : wg. †g‡n`x e¨vsK wnmve Ly‡j‡Qb| G

wnmve †Lvjvi ga¨ w`‡q Zvi †hgb wKQz AwaKvi m„wó n‡q‡Q, †Zgwb wKQz `vwqZ¡I m„wó n‡q‡Q|

27. wnmve †Lvjvi gva¨‡g AvBbMZfv‡e wg. †g‡n`xi mv‡_ e¨vs‡Ki Kxiƒc m¤ú‡K©i m„wó n‡q‡Q?

K eëmvwqK m¤úK© L †WUi-†µwWUi m¤úK© M Pzw³e× m¤úK© N MÖvnK-cÖwZwbwa m¤úK© 28. wg. Ô†g‡n`xiÕ `vwqZ¡ cvjb Ki‡Z cv‡i




29. gy`ªvi µqÿgZvi msiÿYKvix e¨vsK †KvbwU? K †K›`ªxq e¨vsK L mgevq e¨vsK M K…wl e¨vsK N wgkÖ e¨vsK 30. evRv‡i F‡Yi cwigv‡Y AvwaK¨ ev NvUwZi

d‡j A_©bxwZi Kx Ae ’vi m„wó nq? K †ZwRfve †`Lv †`q L gy`ªvgvb n«vm cvq M A_©‰bwZK fvimvg¨ bó nq N `ªe¨g~j¨ e„w× cvq



Self test


----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1 M 2 N 3 K 4 K 5 L 6 M 7 M 8 L 9 K 10 L 11 K 12 M 13 M 14 M 15 K

16 K 17 M 18 K 19 N 20 K 21 N 22 N 23 N 24 L 25 M 26 L 27 M 28 K 29 K 30 M


62 XvKv †iwm‡Wbwmqvj g‡Wj K‡jR mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. †K›`ªxq e¨vs‡Ki cÖavb D‡Ïk¨ Kx Kx? i. wbqš¿Yg~jK e¨vsK eë ’v ii. g~jab m¤úªmviY iii. A_©‰bwZK Kj¨vY mvab



2. †K›`ªxq e¨vsK †Kvb †Kvb `vwqZ¡ cvjb K‡i Avm‡Q? i. gy`ªv cÖPjb ii. A_© mieivn iii. A_©‰bwZK Kj¨vY mvab



3. Aa¨vcK †mqvm©-Gi g‡Z †K›`ªxq e¨vsK Kx? K cÖwZôvb L e¨vsK M Avw_©K cÖwZôvb N wewb‡qvMKvix 4. †K›`ªxq e¨vsK †Kgb cÖwZôvb? K Agybvdv‡fvMx RvZxq cÖwZôvb L RvZxq cÖwZôvb M cÖwZôvb N gybvdv‡fvMx RvZxq cÖwZôvb 5. †K›`ªxq e¨vs‡Ki Ab¨Zg D‡Ïk¨ Kx? K gy`ªvevRvi MVb L cyuwR MVb M evRvi A_©bxwZ N gy`ªv ms‡KvPb 6. e¨vsKvi Kviv?

i. e¨w³ ii. †Kv¤úvwb iii. K‡c©v‡ikb



7. e¨vsKvi I MÖvn‡Ki m¤úK© Kx? K wjwLZ L †gŠwLK M †`bv`vi cvIbv`vi N Pzw³e× 8. e¨vsKvi I MÖvn‡Ki Kx Kx _v‡K?

i. `vwqZ¡ ii. AwaKvi iii. AvBbMZ AwaKvi



wb‡Pi DÏxcKwU co Ges 9 I 10 bs cÖ‡kœi DËi `vI :

†kqvievRv‡ii m~PK IVvbvgv K‡i| 9. †kqv‡ii `vg evo‡j Kx ev‡o? K g~jab ev‡o L m~PK ev‡o M UvKv ev‡o N jf¨vsk ev‡o 10. †kqvievRv‡i wewb‡qvMKvixiv KZwU

Dcv‡q wewb‡qvM K‡i? K 1 L 2 M 3 N 4

11. A·‡dvW© wWKkbvwii g‡Z e¨vsK Kx? K wbivc` cÖwZôvb L e¨vsK I cÖwZôvb M wewb‡qvMKvix N Dc‡`óv 12. e¨vs‡Ki mKj AvBbm¤§Z Kvh©vewj Kx? K e¨vswKs L AvgvbZ MÖnY M AvgvbZ Rgv N FY cÖ`vb 13. e¨vs‡Ki GKwU ¸iæZ¡c~Y© KvR Kx? K g~jab MVb L AvgvbZ MÖnY M FY cÖ`vb N †eKviZ¡ `~ixKiY


†Kv‡bv †Kv‡bv Avgvb‡Z my` †bB| 14. †Kvb Avgvb‡Z my` †bB? K mÂqx L ’vqx M †gqvw` AvgvbZ N PjwZ 15. mÂqx AvgvbZ KZ nv‡i my` cvIqv hvq? K 5% †_‡K 7% L 5% †_‡K 8% M 5% †_‡K 9% N 4% †_‡K 7% 16. †gqvw` Avgvb‡Z my‡ì nvi KZ? K 11% †_‡K 13% L 10% †_‡K 13% M 12% †_‡K 15% N 12% †_‡K 13%


gwbi AvR‡K AMÖYx e¨vs‡K mÂqx wnmv‡e kZKiv 10% my‡` 1,000 UvKv Rgv †i‡L‡Q| gwbi Rvb‡Z Pvq Zvi mÂqx wnmv‡e 5 eQi ci †gvU KZ UvKv Rgv n‡e?

17. AMÖYx e¨vsK hw` 6 gvm cici my` wnmve K‡i Zvn‡j 5 eQi ci gwb‡ii wnmv‡e my‡` Avm‡j KZ UvKv Rgv n‡e?

K 1,250 UvKv L 1.629 UvKv M 1,820 UvKv N 1,910 UvKv 18. AMÖYx e¨vsK hw` 3 gvm cici my` wnmve

K‡i Zvn‡j 5 eQi ci gwb‡ii mÂqx wnmv‡e my‡` Avm‡j KZ UvKv Rgv n‡e?

K 1,240 UvKv L 1,450 UvKv M 1,639 UvKv N 1,850 UvKv 19. Kic~e© FY g~jab e¨q 10% Ges Kinvi

10% n‡j Ki mgš^qK…Z e¨q KZ? K 9% L 10% M 20% N 20% 20. cÖwZ AMÖvwaKvi †kqvi g~j¨ 200 I

jf¨vsk 10 UvKv n‡j AMÖvwaKvi †kqvi e¨q KZ?

K 9% L 10% M 100% N 5% 21. Kxfv‡e g~jab msMÖn Kiv nq? K FY msMÖn K‡i L mvaviY †kqvi wewµi gva¨‡g M msiwÿZ Znwej N jf¨vs‡k

22. wb‡Pi †KvbwUi †ÿ‡Î A‡_©i mgqg~‡jï ¸iæZ¡ Acwimxg

K my‡ì nvi wba©viY L wewb‡qvM wm×všÍ MÖnY M Avw_©K Ae ’v wbiƒcY N F‡Yi wKw¯Í n«vm Kiv 23. Rbve nviæb cÖwf‡W›U dvÛ †_‡K wKQz UvKv

Zz‡j 12% my‡` wWwRUvj e¨vs‡K 5 eQ‡ii Rb¨ ivL‡Z PvB‡j e¨vsK †gqv` †k‡l Zv‡K 5,00,000.00 UvKv w`‡Z PvBj| Rbve nviæb KZ UvKv Rgv ivL‡Z Pvb?

K 2,00,730.00 UvKv L 2,83,720.00 UvKv M 3,13,520.00 UvKv N 4,40,000.00 UvKv 24. SzuwKi cwigvc Kiv nq

i. wewfbœ †KŠkj Aej¤^b K‡i ii. mwVK cwiKíbvi gva¨‡g iii. cÖwZôv‡bi e¨q Kwg‡q G‡b



25. eëmvwqK SzuwK Kx? K SzuwK L gybvdv AR©b M g~jab MVb N gybvdv AwbðqZv 26. †Kvb¸‡jv cwi‡kv‡ai AÿgZv †_‡K SzuwKi

m„wó n‡Z cv‡i? i. KuvPvgvj µq ii. †eZb iii. Awdm fvov



27. m¤ú` me©vwaKi‡Y we‡ePbv Kiv nq i. SzuwK ii. bM` cÖevn iii. gybvdv



28. Zvij¨ e„w× †c‡j i. gybvdv n«vm cvq ii. gybvdv e„w× cvq iii. e¨q n«vm cvq



29. †Kvb¸‡jv wewb‡qvM? i. †kqvi ii. eÛ iii. wW‡eÂvi

wb‡Pi †KvbwU mwVK? K i I ii L ii M i I iii N i, ii I iii

30. Kv‡ì Kg Ki w`‡Z nq? K cÖvB‡fU †Kv¤úvwb L †Kv¤úvwb M cvewjK †Kv¤úvwb N Askx`vwi



Self test


----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1 L 2 N 3 K 4 K 5 K 6 N 7 N 8 L 9 L 10 L 11 K 12 K 13 M 14 N 15 K

16 N 17 L 18 M 19 K 20 N 21 L 22 L 23 L 24 K 25 N 26 N 27 K 28 L 29 N 30 L


63 mwdDwÏb miKvi GKv‡Wgx A¨vÛ K‡jR, MvRxcyi mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. evwYwR¨K e¨vs‡Ki we‡kl D‡Ïk¨ Kx? K gybvdv AR©b L g~jab MVb M RbKj¨vY N FY MÖnY 2. 3 eQi †gqvw` GKwU cÖK‡íi wewb‡qvM

1.5 †KvwU UvKv| cÖK‡íi AeP‡qi evwl©K cwigvY KZ?

K 50 jÿ L 1 †KvwU M 0.1 †KvwU N 30 jÿ

3. eëmvqxiv bM` A_© †ewk ivL‡j K gybvdv K‡g hvq L gybvdv †e‡o hvq M ÿwZ K‡g hvq N my` Kg cvq 4. e¨vsK †_‡K FY MÖnY Ki‡j MÖvnK Kx nq? K e¨vsKvi L †WUi M †µwWUi N cÖwZwbwa 5. A‡_©i `ªæZ Pµe„w× n‡j †Kvb g~j¨ n«vm

cv‡e? K fwel¨r g~j¨ L cÖK…Z my‡ì nvi M AZxZ g~j¨ N eZ©gvb g~j¨ 6. miKv‡ii e¨q wbe©v‡ni Rb¨ cÖ‡qvRbxq

Av‡qi Drm n‡jv i. AvqKi ii. Avg`vwb ïé iii. †UªRvwi wej



7. wbqwgZ Av‡qi mv‡_ msMwZ †i‡L †KvbwU wba©viY Kiv nq?

K Kvh©ÿgZv L wbqwgZ e¨q M evrmwiK LiP N cvwievwiK

ev‡RU 8. `ªe¨g~j¨ ev gy`ªvùxwZ wbqš¿‡Y ivLvi Rb¨

m`vme© v Kx wbqš¿‡Y ivL‡Z nq? K FY wbqš¿Y L wewb‡qvM wbqš¿Y M gy`ªvevRvi wbqš¿Y N RbmsL¨v wbqš¿Y

DÏxcKwU c‡o 9 I 10 bs cÖ‡kœi DËi `vI : †Mv‡ìb cÖK‡íi Avqy¯‹vj 5 eQi|

cÖviw¤¢K wewb‡qvM 1,00,000 UvKv| cÖwZeQi †Kv¤úvwb †Mv‡Ûb cÖKí †_‡K 40,000 UvKv Avq K‡i|

9. †Mv‡ìb cÖK‡íi †c-e¨vK mgq KZ? K 2 eQi L 2.50 eQi M 3 eQi N 3.50 eQi 10. hw` wmjfvi cÖK‡íi †c-e¨vK mgq 4 eQi

nq Z‡e †Kvb cÖKíwU MÖnY‡hvM¨ n‡e? K †Mv‡ìb cÖKí L wmjfvi cÖKí M Dfq cÖKí N †Kv‡bvwUB bq

11. cvewjK wjwg‡UW †Kv¤úvwbi Znwej

msMÖ‡ni ¸iæZ¡c~Y© Drm Kx?

K eÛ weµq L †kqvi µq

M wW‡eÂvi µq N †kqvi weµq

12. e¨vswKs cÖwZôvb‡K SzuwK Gwo‡q Pj‡Z

KqwU †gŠwjK bxwZ †g‡b Pj‡Z nq?

K 14wU L 16wU

M 19wU N 21wU

13. miKvi ê‡`wkK FY MÖnY K‡i _v‡K g~jZ

hvi KvQ †_‡K? i. IDB ii. ADB iii. OIC

wb‡Pi †KvbwU mwVK?

K i I ii L i I iii


14. wbKvkN‡ii †mev MÖnY K‡i †Kvb e¨vsK?

K †K›`ªxq e¨vsK L evwYwR¨K e¨vsK

M ZvwjKvfz³ e¨vsK N me e¨vsK

15. j¨vcUc µ‡q FY w`‡q _v‡K †Kvb e¨vsK?

K †fv³v e¨vsK L mÂqx e¨vsK

M we‡`wk e¨vsK N evwYwR¨K e¨vsK

16. eÛ I wW‡eÂv‡ii g‡a¨ cv_©K¨ Kx?

K mgq L RvgvbZ

M wbqš¿Y N my`

17. Avjv`v mËvnxb †Kvb e¨vsK?

K GKK e¨vsK L kvLv e¨vsK

M †`wk e¨vsK N we‡`wk e¨vsK

18. Zvij¨ NvUwZ nIqvi KviY

i. †ewk wewb‡qvM

ii. Kg wewb‡qvM

iii. †ewk Drcv`b


K i I ii L i I iii


19. e¨vsK eë¯’vq gy`ªv Kx nq?

K aviK L evnK

M Rbbx N mšÍvb

DÏxcKwU c‡o 20 I 21 bs cÖ‡kœi DËi `vI :

Rbve bvwm‡gi WvqgÛ †Kv¤úvwb wj.-Gi

1,000 UvKv g~‡jï 700wU †kqvi Av‡Q|

†Kv¤úvwb G eQi 12,00,000 UvKv gybvdv

AR©b K‡i‡Q| †Kv¤úvwb Zvi

†kqvi‡nvìvi‡ì Rb¨ 20% bM` jf¨vsk

†NvlYv K‡i|

20. Rbve bvwmg DÏxc‡K ewY©Z †Kv¤úvwb n‡Z

KZ UvKv jf¨vsk cv‡eb?

K 8,000 UvKv L 16,000 UvKv

M 1,00,000 UvKv N 1,40,000 UvKv

21. hw` DÏxc‡K ewY©Z †Kv¤úvwbwU 1 t 4 nv‡i

÷K jf¨vsk †NvlYv K‡i Zvn‡j Rbve

bvwm‡gi eZ©gvb †kqvimsL¨v KZ n‡e?

K 875wU L 1,050wU

M 1,700wU N 2,300wU

22. †µZvi wbKU wewbgq wej †Kvb bv‡g

cwiwPZ?

K cÖvc¨ wej L cÖ‡`q wej

M †WweU †bvU N †µwWU †bvU

23. eo AvKv‡ii µ‡qi †ÿ‡Î †KvbwU Dchy³

A_©vq‡bi Drm?

K FY L wjwRs

M evwYwR¨K cÎ N eÛ

24. Mo gybvdvi †Kvb nvi c~e©wba©vwiZ _v‡K?

K Mo nvi L me©wbgœ nvi

M evRvi nvi N m‡e©v”P nvi

25. †PK cÖ ‘ZKviK‡K Kx e‡j?

K Av‡`óv L Avw`ó

M †cÖiK N cÖvcK

26. e¨vsK cÖPzi Avq K‡i

i. e¨vsK Wªvd‡Ui gva¨g

ii. Uªv‡fjvim †P‡Ki gva¨‡g

iii. wewbgq we‡ji gva¨‡g


K i I ii L i I iii


27. †kqvi Ae‡jLK‡K A_©vqb K‡i †Kvb

e¨vsK?

K wkí e¨vsK L wewbgq e¨vsK

M wewb‡qvM e¨vsK N cwienb e¨vsK

28. Kviev‡ii mwVK g~jab KvVv‡gv wbe©vP‡b

Zvrch© enb K‡i †KvbwU?

K FY g~jab L BKz¨BwU

M g~jab Avq N g~jab e¨q

29. †KvbwU wewb‡qvMKvix‡ì wbKU Zij

m¤ú` wn‡m‡e mgv`„Z?

K eÛ L mvaviY †kqvi

M wW‡eÂvi N AMÖvwaKvi †kqvi

30. wec`gy³ UvKv wewb‡qv‡Mi ’vb †KvbwU?

K †kqvi L e¨vsK

M eÛ N wegv



Self test


----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1 L 2 K 3 K 4 L 5 N 6 N 7 L 8 K 9 L 10 K 11 N 12 L 13 K 14 M 15 K

16 L 17 L 18 L 19 M 20 N 21 K 22 L 23 L 24 L 25 K 26 K 27 M 28 N 29 L 30 L


64 gwZwSj miKvwi evwjKv D”P we`¨vjq, XvKv mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. gy`ªv cÖPjb K‡i †Kvb e¨vsK?

K evwYwR¨K e¨vsK L wewb‡qvM e¨vsK

M †K› ªxq e¨vsK N †mvbvjx e¨vsK

2. evwYwR¨K e¨vs‡Ki Av‡qi Drm †KvbwU?

K jKvi fvov L ïé I Ki

M wegv wcÖwgqvg N wbixÿ‡Ki wej 3. bM` A_© I gybvdvi g‡a¨ m¤úK© Kxiƒc?

K mgvbycvZ L wb¤œgyLx

M EaŸ©gyLx N wecixZgyLx

4. †Kvb ai‡bi Òe¨vsK wnmveÓ n‡Z †ewk

nv‡i gybvdv cvIqv hvq?

K PjwZ wnmve L ’vqx wnmve

M mÂqx wnmve N wewea wnmve

5. e¨vswKs eëmv‡qi g~jbxwZ

i. Zvij¨ bxwZ

ii. mybv‡gi bxwZ iii. we‡kl‡Yi bxwZ


K i I ii L i I iii


6. A‡_©i mgqg~j¨ wba©vi‡Yi g~j KviY †KvbwU?

K my‡ì nvi L ewa©Z gybvdv

M A‡_©i Zvij¨ N gy`ªvbxwZ

DÏxcKwU c‡o 7 I 8bs cÖ‡kœi DËi `vI : wg. wgRvb evwl©K 10% Pµe„w× nv‡i

12,000 UvKv hgybv e¨vs‡K Rgv iv‡L|

7. wgRvb 2 eQi ci KZ UvKv cv‡eb?

K 14,920 L 14,520

M 15,520 N 16,620

8. hw` gvwmK Pµe„w×i nvi 12% nq Zvn‡j 5

eQi ci wg. wgRvb mv‡ne KZ UvKv cv‡eb?

K 19,290 L 20,016 M 21,800 N 22,278

9. eëmvwqK bM` A_© †ewk ivL‡j Kx nq?

K gybvdv K‡g hvq

L gybvdv †e‡o hvq

M ÿwZ K‡g hvq

N my` Kg nq

10. wewb‡qv‡Mi Drm

i. †kqvi

ii. wW‡eÂvi

iii. eÛ wb‡Pi †KvbwU mwVK?

K i I ii L i I iii


11. e¨vs‡Ki mv‡_ MÖvn‡Ki †Kvb ai‡bi m¤úK©

evÃbxq?

K mvgvwRK L eëmvwqK

M e¨w³MZ N mZZvi

12. †Kvb e¨vsK A‡_©i gvb wba©vi‡Y f‚wgKv

cvjb K‡i?

K †K›`ªxq e¨vsK L wewbgq e¨vsK

M evwYwR¨K e¨vsK N †mvbvjx e¨vsK

13. Af¨šÍixY Znwe‡ji Drm †KvbwU?

K evwYwR¨K cÎ L mwÂwZ Znwej

M FYcÎ N gRy`cY¨ eÜwKiY

14. A_©vq‡bi mvd‡jï PvweKvwV †KvbwU?

K g~jab ev‡RwUs L g~jab cÖv°jb

M jf¨vsk bxwZ N A_©vqb

15. †gvU gybvdv †_‡K Ki ev` w`‡j †KvbwU

cvIqv hvq?

K AePq L wbU gybvdv

M mwÂwZ N AvšÍtcÖevn

16. †PBb e¨vs‡Ki gyL¨ D‡Ïk¨ Kx?

K RbKj¨vY L gybvdvR©b

M cv¯úwiK DbœwZ N †mev `vb

17. ÒeÛÓ gvwjKiv †Kv¤úvwbi Kx wn‡m‡e

we‡ewPZ nq?

K FY`vZv L FYMÖnxZv

M Askx`vi N gvwjK

DÏxcKwU c‡o 18 I 19bs cÖ‡kœi DËi `vI :

Rbve †mv‡nj †PŠayixi wewb‡qvM †_‡K MZ

Pvi eQ‡ii Av‡qi Mo 15% Ges eëav‡b

e‡M©i mgwó 68|

18. Rbve †PŠayix Av`k© wePz¨wZ †Kb eënvi

Ki‡e?

K Avq wbY©‡q L jvf wbY©‡q

M AwbðqZv wbY©‡q N SzuwK wbY©‡q

19. Rbve †PŠayixi wewb‡qv‡M SzuwKi nvi KZ?

K 4.12% L 4.67%

M 2.73% N 3.26%

20. g~jab e¨q wbY©q Gi Zvrch©

i. wewb‡qvM wm×všÍ

ii. A_©vqb wm×všÍ

iii. g~jab KvVv‡gv


K i I ii L i I iii


21. e¨vswKs eëmvq Znwe‡ji g~j Drm

K mÂq L FY

M AvgvbZ N wewb‡qvM

22. g~jab ev‡RwUs G e¨_©Zvi `vq Kv‡K wb‡Z

nq?

K wewb‡qvMKvix‡K L A_© eë ’vcK‡K

M g¨v‡bRvi‡K N FY`vZv‡K 23. cÖeZ©‡Ki †kqvi e‡j AwfwnZ Kiv nq

†Kvb †kqvi‡K?

K wejw¤^Z †kqvi‡K

L †evbvm †kqvi‡K

M ivBU †kqvi‡K

N AMÖvwaKvi †kqvi‡K

24. evwYwR¨K e¨vs‡Ki Avq

i. wbixÿ‡Ki wej

ii. wej evÆvKiY

iii. cÖZ¨qcÎ Bmy¨ wb‡Pi †KvbwU mwVK?

K i I ii L i I iii


25. †bvU Bmy¨ e¨vs‡Ki †Kvb ai‡bi bxwZ?

K wewb‡qvM bxwZ L we‡klvq‡bi bxwZ

M †mev bxwZ N D‡Ï‡kï bxwZ

DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI : ÒKLMNÓ †Kv¤úvwbi mvaviY †kqv‡ii

evRvig~j¨ 100 UvKv, cÖZ¨vwkZ jf¨vsk

7% Ges jf¨vsk e„w×i nvi 3%|

26. ÒKLMNÓ †Kv¤úvwbi mvaviY †kqvi g~jab

e¨q KZ?

K 10.19% L 10.31%

M 10.27% N 10.21%

27. hw` jf¨vsk e„w×i nvi 3.5% nq Zvn‡j

mvaviY †kqvi g~jab e¨q KZ n‡e? K 10.75% L 10.65%

M 10.50% N 10.40%

28. A_©vq‡bi `xN©‡gqvw` Drm †KvbwU?

K cÖvc¨ wej evÆvKiY L cÖ‡`q wej

M FYcÎ N ÿz`ª FY

29. bM` AvšÍtcÖevn I wbU gybvdvi eëavb‡K

Kx e‡j?

K cÖviw¤¢K wewb‡qvM L bM` ewntcÖevn

M PjwZ e¨q N †gvU AePq 30. lvš§vwmK Pµe„w×‡Z "M" Gi gvb KZ nq?

K 12 L 6

M 4 N 2



Self test


----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1 M 2 K 3 N 4 L 5 K 6 K 7 L 8 M 9 K 10 N 11 N 12 K 13 L 14 K 15 K

16 M 17 K 18 N 19 K 20 L 21 M 22 L 23 K 24 M 25 L 26 N 27 K 28 M 29 N 30 N


65 exi‡kÖô b~i †gvnv¤§` cvewjK K‡jR, XvKv mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. eZ©gvb g~j¨ wba©vi‡Yi c×wZ‡K Kx ejv nq? K Pµe„w×KiY L evÆvKiY M cÖe„w×KiY N ’vbvšÍiKiY 2. my` I Ki c~e©eZ©x gybvdv †_‡K my` I Ki

ev` w`‡j cvIqv hvq K wbU gybvdv L Mo gybvdv M AvšÍtgybvdv N bM` AvšÍtcÖevn 3. dv‡g©i `„wó‡KvY †_‡K me©v‡cÿv SzuwKc~Y©

g~ja‡bi Dcv`vb n‡”Q K FY L AMÖvwaKvi †kqvi M msiwÿZ Avq N mvaviY †kqvi 4. †h evRv‡i ïay wewb‡qvMKvix‡ì g‡a¨

†jb‡`b nq Zv‡K Kx e‡j? K cÖv_wgK evRvi L gva¨wgK evRvi M GK‡PwUqv evRvi N A_©evRvi

DÏxcKwU c‡o 5 I 6 bs cÖ‡kœi DËi `vI : mvweZ GÛ †Kv. wjwg‡UW 2,00,000 UvKv

e¨‡q GKwU †gwkb µq Ki‡Z Pvq| †gwkbwUi Avqy®‹vj 5 eQi| †gwkbwUi fMœve‡kl g~j¨ n‡e 20,000 UvKv| mij‰iwLK c×wZ‡Z AePq avh© Kiv nq|

5. †gwkbwUi evwl©K AePq cwigvY KZ? K 20,000 UvKv L 26,000 UvKv M 30,000 UvKv N 36,000 UvKv 6. cÖKíwUi Mo wewb‡qvM KZ? K 1,10,000 UvKv L 1,20,000 UvKv M 1,30,000 UvKv N 1,40,000 UvKv 7. Rvgvb mv‡n‡ei µqK…Z mvaviY †kqv‡ii

evRvig~j¨ 110 UvKv| m¤úÖwZ wZwb Rvb‡Z cv‡ib †h, Zvi †kqvi †_‡K fwel¨‡Z 11 UvKv jf¨vsk cvIqv hv‡e?

K 5% L 10% M 15% N 20% 8. mywbw`©ó RvgvbZhy³ A_©vqb †KvbwU? K eÛ L FYcÎ M AMÖvwaKvi †kqvi N mvaviY †kqvi 9. †Kv_vq ZvwjKvfz³ †Kv¤úvwbi †kqvi

†jb‡`b nq? K ÷K G·‡PÄ L evsjv‡`k e¨vsK M wegv wbqš¿Y KZ…©cÿ N FYwbqš¿Y KZ©„cÿ 10. evsjv‡`k e¨vs‡Ki KvR ej‡Z †evSvq

i. †bvU I gy`ªv cÖPjb ii. miKvi‡K civgk© cÖ`vb iii. ê‡`wkK gy`ªv msiÿY



11. we‡klvwqZ Avw_©K cÖwZôvb †KvbwU? K †mvbvjx e¨vsK L evsjv‡`k K…wl e¨vsK M AMÖYx e¨vsK N RbZv e¨vsK

12. wewa-72 †Kv_vq eënvi Kiv nq? K wØ¸Y L wZb¸Y M Pvi¸Y N mgv AsK

13. SzuwKgy³ wmwKDwiwU ej‡Z †evSvq K mvaviY †kqvi L AMÖvwaKvi †kqvi M †UªRvix eÛ N K‡c©v‡iU eÛ 14. miKvwi A_©vq‡b cÖ_g KvR †KvbwU? K Avq L e¨q M †`kR Drcv`b N RvZxq Avq 15. my‡ì nvi 10% n‡j 5 eQi c‡ii 1,000

UvKvi eZ©gvb g~j¨ KZ? K 620.92 UvKv L 720.92 UvKv M 620.29 UvKv N 720.29 UvKv

DÏxcKwU c‡o 16 I 17 bs cÖ‡kœi DËi `vI : I‡q÷ †Kv¤úvwbi †kqv‡ii eZ©gvb

evRvig~j¨ 100 UvKv| †Kv¤úvwbi †kqv‡ii eZ©gvb evRvig~j¨ 100 UvKv| †Kv¤úvwbi cÖZ¨vwkZ jf¨vs‡ki nvi 12% Ges cÖe„w×i nvi 5%|

16. I‡q÷ †Kv¤úvwbi mvaviY †kqvi g~jab e¨q KZ n‡e?

K 13.8% L 14.1% M 16.2% N 17.6% 17. hw` †kqv‡ii weµqRwbZ LiP 5% nq,

Zvn‡j I‡q÷ †Kv¤úvwbi mvaviY †kqvi g~jab LiP KZ n‡e?

K 19.88% L 18.26% M 17.65% N 16.29% 18. evwYwR¨K e¨vsK †KvbwU Bmy¨ K‡i?

K cÖZ¨qcÎ L e¨vsK †bvU M miKvwi †bvU N †UªRvix wej

DÏxcKwU c‡o 19 I 20 bs cÖ‡kœi DËi `vI : Rbve kv‡n` Ggb GKwU e¨vsK wnmve

Lyj‡Z Pvb †hLv‡b me ai‡bi e¨vswKs myweav Av‡Q| cvkvcvwk e¨vsK †_‡K wZwb Ggb GKUv KvW© cvb †hwU Øviv wZwb †h‡Kv‡bv mgq A_© D‡Ëvjb I cY¨ µq Ki‡Z cv‡ib|

19. Rbve kv‡n` †h e¨vs‡K wnmve Lyj‡Z Pvb †mwU †Kvb ai‡bi e¨vsK?

K GKK e¨vsK L kvLv e¨vsK M †PBb e¨vsK N MÖæc e¨vsK 20. AbjvBb myweavi cvkvcvwk kv‡n` †h

myweav cÖZ¨vkv K‡i‡Qb †mwU n‡jv i. †WweU KvW© ii. †µwWU KvW©

iii. e¨vs‡Ki AvÁvcÎ


M ii I iii N i, ii I iiir

DÏxcKwU c‡o 21 I 22 bs cÖ‡kœi DËi `vI : Rbve Avwei GKRb eëmvqx| wZwb ¯’vbxq

evwYwR¨K e¨vs‡Ki eë ’vc‡Ki civgk© wb‡q GKwU Dchy³ e¨vsK wnmve †Lvjvi wm×všÍ †bb|

21. Rbve Avwe‡ii Rb¨ †Kvb ai‡bi wnmve Dchy³ n‡e?

K mÂqx wnmve L PjwZ wnmve M ’vqx wnmve N FY AvgvbZx wnmve 22. †Kvb †P‡Ki A_© e¨vs‡Ki gva¨‡g msMÖn

Kiv nq? K evnK †PK L `vMKvUv †PK M ûKzg †PK N Dcnvi †PK 23. A‡bK¸‡jv e¨vsK GKwU †nvwìs †Kv¤úvwbi

Aax‡b _vK‡j Zv‡K Kx e‡j? K wgkÖ e¨vsK L †K› ªxq e¨vsK M MÖæc e¨vsK N GKK e¨vsK 24. †Kv¤úvwbi wW‡eÂvi †nvìvi‡ì wbw`©ó

nv‡i Kx cÖ`vb K‡i? K m¤ú` L my` M jf¨vsk N Kwgkb 25. Awdm fvov, wegv LiP BZ¨vwì cwigvY

†ewk n‡j †Kvb ai‡bi SzuwKi m„wó nq? K Avw_©K SzuwK L my` nv‡ii SzuwK M Zvij¨ SzuwK N eëmvwqK SzuwK 26. n¯ÍvšÍi A‡hvM¨ F‡Yi `wjj †KvbwU? K †c-AW©vi L †PK M wewbgq wej N e¨vsK WªvdU 27. evwYwR¨K e¨vsK cÖwZwbwa wn‡m‡e KvR K‡i

Kx cvq? K gRywi L Kwgkb M evÆv N my` 28. GKUv †Kv¤úvwbi †kqvi µq bv K‡i

GKvwaK †Kv¤úvwbi †kqvi µq Ki‡j A_©vq‡bi †Kvb bxwZ AbymiY Kiv nq?

K gybvdv I Zvij¨ bxwZ L gybvdv I SzuwK bxwZ M †cvU©‡dvwjI bxwZ N jf¨vsk bxwZ 29. cÖvB‡fU wj. †Kv¤úvwb D‡`¨v³v m`m¨ KZRb?

K 250 Rb L 1100 Rb

M 7 Amxg N 550 Rb 30. evsjv‡`k e¨vsK †Kvb ai‡bi cÖwZôvb? K †emiKvwi e¨vsK L ¯vqËkvwmZ e¨vsK M we‡klvwqZ e¨vsK N AvšÍR©vwZK e¨vsK



Self test


----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1 L 2 K 3 K 4 L 5 N 6 K 7 L 8 K 9 K 10 L 11 L 12 K 13 M 14 L 15 K

16 N 17 L 18 K 19 L 20 K 21 L 22 L 23 M 24 L 25 N 26 K 27 L 28 M 29 K 30 L


66 nwj µm D”P evwjKv we`¨vjq, XvKv mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30 1. GKRb eëmvqx‡K fvimvg¨ †i‡L Avw_©K

eë ’vcbv Ki‡Z nq i. Zvi‡j¨ ii. wewb‡qv‡M iii. SzuwK‡Z


2. Mªvg¨ gnvRbiv cÖ`Ë F‡Yi Ici my` MYbv K‡i i. w`bwfwËK ii. mßvnwfwËK iii. gvmwfwËK


3. GbwRI wnmv‡e AvBbMZ mËv jvf K‡i G‡`‡k eëmv Ki‡Q i. MªvgxY e¨vsK ii. eª¨vK e¨vsK iii. gvBWvm


4. ¯^í‡gqvw` A_©vq‡bi cÖvwZôvwbK Drm †KvbwU?

K evwYwR¨K cÎ L gRy` cY¨ eÜwKKiY M †µZvAwMÖg MÖnY N cªvc¨ wej evÆvKiY 5. gvwmK 10% nv‡i Pµe„w× my‡` cÖK…Z

my‡ì nvi KZ? K 120% L 200% M 210% N 213.84% 6. FY cwi‡kv‡ai wKw¯Íi †gqv` n‡Z cv‡i

i. mvßvwnK ii. gvwmK iii. ewl©K


7. cwiPvjb e¨‡qi ¯’vqx LiP n‡jv i. wegv †mjvwg ii. KuvPvgvj µq iii. Awdm fvov


8. g~jab ev‡RwUs c×wZ wbe©vPb Ki‡Z nq i. bM` cÖevn cÖv°j‡bi ci ii. evÆv nvi wba©vi‡Yi ci iii. Mo gybvdv nvi wba©vi‡Yi ci


9. mwVK wewb‡qvM wm×všÍ MÖn‡Yi c~e©kZ© †KvbwU? K mwVK Znwej LiP wbY©q L c‡Yï evRvi Pvwn`v M g~jab ev‡RwUs N mwVK g~jab KvVv‡gv wbY©q

10. bZzb cY¨ evRv‡i Qvovi mgq wm×všÍ wb‡Z nq i. cÖwZôv‡bi Avqy®‹vj ii. c‡Yï evRvi Pvwn`v iii. cwiPvjb LiP


11. ÔyÕ †Kv¤úvwb 12% nv‡i AMÖvwaKvi †kqvi Bmy¨ K‡i hvi wjwLZ g~j¨ 1,000 UvKv| hw` †kqviwUi evRvig~j¨ 950 UvKv nq Z‡e †Kv¤úvwbi †kqvi e¨q KZ?

K 9.82% L 10.39% M 11.88% N 12.63% DÏxcKwU c‡o 12 I 13 bs cÖ‡kœi DËi `vI : ÔzÕ †Kv¤úvwbi 10 UvKv g~‡jï 75 jÿ

†kqvi Av‡Q| †Kv¤úvwbi 3t1 Abycv‡Z ÷K jf¨vsk †NvlYv K‡i| wewb‡qvMKvix wg. y Gi H †Kv¤úvwb‡Z 750wU †kqvi Av‡Q|

12. ÷K jf¨vsk cvevi ci y Gi †gvU †kqv‡ii msL¨v KZ n‡e?

K 650 L 850 M 950 N 1000 13. ÔzÕ †Kv¤úvwbi †gvU †kqv‡ii msL¨v KZ n‡e? K 25 jÿ L 50 jÿ M 75 jÿ N 1 †KvwU 14. jf¨vsk cÖ`v‡bi bxwZ KqwU? K 2 L 3 M 4 N 5 15. e¨vs‡Ki Acwinvh© bxwZ †KvbwU? K wbivcËvi bxwZ L myôz gybvdv AR©b M Zvij¨ bxwZ N `ÿZvi bxwZ 16. evwYwR¨K e¨vs‡Ki jvfRbK wewb‡qvM LvZ¸‡jv

i. †kqvi ii. FYcÎ iii. miKvwi wmwKDwiwU


17. Mªvn‡Ki cÖwZ e¨vs‡Ki `vwqZ¡ n‡jv i. mZZv ii. wnmv‡ei †MvcbxqZv iii. A_©‡diZ


18. wK‡mi gva¨‡g RbM‡Yi g‡a¨ mÂq cÖeYZv m„wó nq?

K AwaK Av‡qi gva¨‡g L wewb‡qvM e„w×i gva¨‡g M e¨vsK wnmv‡ei gva¨‡g N e¨vs‡K msL¨v e„w×i gva¨‡g 19. e¨vs‡Ki ¸iæZ¡c~Y© KvR †KvbwU? K g~jab MVb L wewbgq gva¨g m„wó M AvgvbZ MÖnY N FY cÖ`vb 20. we‡kl g‡°jwfwËK e¨vsK KZ cÖKv‡ii? K 2 L 3 M 4 N 5 21. cwienb e¨vsK FY w`‡q _v‡K

i. hvbevnb wbg©v‡Y ii. LyPiv hš¿vsk Avg`vwb‡Z iii. hvbevnb AvaywbKKi‡Y


22. †`‡k †Kvb e¨vsK ev Avw_©K cÖwZôvb MV‡bi Rb¨ Kvi AbygwZi cÖ‡qvRb nq?

K A_©gš¿xi L ivóªcwZi M †K› ªxq e¨vs‡Ki N wbeÜ‡Ki 23. e¨vsK wnmv‡ei gva¨‡g

i. wewb‡qvM e„w× cvq ii. Drcv`b e„w× cvq iii. gybvdv e„w× cvq


24. FY myweav cvIqv hvq i. mÂqx wnmve †_‡K ii. PjwZ wnmve †_‡K iii. ’vqx wnmve †_‡K


25. ÿz`ª wewb‡qvMKvix‡ì Rb¨ GKwU we‡kl ¸iæZ¡ enbKvix e¨vsK wnmve †KvbwU?

K wegv mÂqx wnmve L ’vqx wnmve M mÂqx wnmve N wWwcGm 26. wewbgq e¨vs‡Ki KvR¸‡jv n‡jv

i. ê‡`wkK gy`ªv wewbgq ii. cY¨`ªe¨ ißvwb iii. `xN©‡gqvw` FY cÖ`vb


27. †K›`ªxq e¨vsK mnR wewbgq gva¨g m„wó K‡i _v‡K i. †P‡Ki gva¨‡g ii. gy`ªvi gva¨‡g iii. nywÛi gva¨‡g


DÏxcKwU c‡o 28 I 29 bs cÖ‡kœi DËi `vI : Rbve nvexe wb‡Ri Rgv‡bv UvKv I wKQy

cwigvY FY wb‡q nvDwRs eëmv ïiæ Ki‡Z Pvb|

28. Rbve nvexe F‡Yi Rb¨ †Kvb e¨vs‡K Av‡e`b Ki‡eb?

K wkí e¨vsK L evwYwR¨K e¨vsK M K„wl e¨vsK N Kg©ms ’vb e¨vsK 29. e¨vsK FY †Ìqvi mgq we‡ePbv K‡i

i. cªK‡íi jvfRbKZv ii. cªKíwUi h_v_©Zv iii. cªK‡íi g~j¨


30. †K›`ªxq e¨vs‡Ki Kvh©vewj‡K Kq fv‡M fvM Kiv hvq?

K 2 L 3 M 4 N 5



Self test


----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1 K 2 N 3 N 4 N 5 N 6 N 7 M 8 K 9 K 10 N 11 N 12 N 13 N 14 L 15 L

16 N 17 L 18 M 19 N 20 M 21 N 22 M 23 K 24 L 25 N 26 K 27 L 28 L 29 M 30 M


67 †m›U †hv‡md D”P gva¨wgK we`¨vjq, XvKv mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. e¨vsK nvi n«v‡mi KviY Kx?

K my‡ì nvi n«vm

L `ªe¨g~j¨ n«vm

M evRv‡i F‡Yi cwigvY n«vm N msiwÿZ Av‡qi cwigvY n«vm

2. A_©evRvi‡K w ’wZkxj Kiv nq Kxfv‡e?

K gy`ªvgvb wbqš¿Y K‡i

L g~j¨¯Íi w¯’wZkxj ivLv

M FY wbqš¿Y K‡i

N m¤ú‡ì mymg eÈb K‡i

3. †KvbwU †K›`ªxq e¨vs‡Ki Kv‡Ri ewnf~©Z?

K gy`ªv Rvwi Kiv L FY wbqš¿Y

M wK¬qvwis nvDR N FY cÖ`vb 4. wbKvk weeiYxi KqUv Kjvg _v‡K?

K 4wU L 5wU

M 6wU N 7wU

5. e¨vsK nvi e„w×i Kzdj Kx?

K ißvwb e„w× L `ªe¨g~j¨ e„w×

M Drcv`b n«vm N Avg`vwb n«vm

6. wbKvkNi †K›`ªxq e¨vs‡Ki †Kvb RvZxq

Kvh©vewj?

K mvaviY

L miKv‡ii e¨vsK wnmv‡e M mKj e¨vs‡Ki e¨vsKvi wnmv‡e

N Ab¨vb¨ Kvh©vewj

7. evsjv‡`k e¨vs‡Ki †Kvb KvR wewfbœ w`K

wb‡`©kbvq f‚wgKv iv‡L?

K M‡elYvg~jK L cÖPvig~jK

M A_©bxwZg~jK N †mevg~jK

8. †h †P‡Ki UvKv bM` cvIqv hvq bv

K evnK †PK L ûKzg †PK

M `vMKvUv †PK N mvaviY †PK

9. †P‡Ki cÖ ‘ZKviK‡K Kx e‡j?

K cÖvcK L Av‡`óv

M Avw`ó N Aby‡gv`bKvix

10. e¨vsK I MÖvn‡Ki g‡a¨ m¤ú‡K©i Aemvb

NUvi KviY KZwU?

K 6wU L 7wU

M 8wU N 9wU

11. MÖvnK †WUi nq KLb?

K e¨vs‡K Rgv †`qv n‡j

L e¨vsK †_‡K FY wb‡j

M e¨vsK my` cÖ`vb Ki‡j

N e¨vsK PvR© Qvo w`‡j

DÏxcKwU c‡o 12 I 13bs cÖ‡kœi DËi `vI : †Rgm Gi cÖvBg e¨vs‡K GKwU wnmve

Av‡Q| wZwb Zvi m¤úwËi `wjjcÎ I ¯^Y©vjsKvi BZ¨vw` e¨vs‡K msiÿY K‡ib|

12. cÖvBg e¨vs‡Ki mv‡_ †Rgm Gi †Kgb m¤úK© we`¨gvb?

K AvBbMZ L gybvdvMZ M †jb‡`bMZ N Askx`vwi‡Z¡i 13. DÏxc‡K cÖvBg e¨vsK †Rgm Gi Kx

wn‡m‡e KvR K‡i? K cvIbv`vi L cÖwZwbwa M Uªvw÷ N AwQ 14. †KvbwU MÖvn‡Ki cÖwZ e¨vs‡Ki `vwqZ¡? K wnmv‡ei †MvcbxqZv L my` Av`vq M mwVK Z_¨ cÖ`vb N FY cwi‡kva 15. †P‡Ki gva¨‡g UvKv †Zvjv nq †Kvb

wnmv‡e? K †gqvw` wnmv‡e L mÂqx wnmv‡e M ’vqx wnmv‡e N †cbkb wnmv‡e 16. GKwU †P‡K UvKvi cwigvY KZ evi †jLv

nq? K 1 evi L 2 evi M 3 evi N 4 evi 17. †kqvi g~j¨ 2,000 UvKv, jf¨vsk e„w×i

nvi 15% Ges jf¨vsk 20 UvKv n‡j

mvaviY †kqv‡ii g~jab e¨q KZ n‡e?

K 12.40% L 15.6%

M 17.5% N 16.15%

18. Ki n«vm FY g~jab e¨‡qi Kx ai‡bi myweav?

K m‡e©v”P myweav L mvaviY myweav

M cÖZ¨ÿ myweav N c‡ivÿ myweav

19. w ’i nv‡i jf¨vsk e„w× c×wZ Abymv‡i

†Kv¤úvwbi G eQi jf¨vsk e„w×i nvi

10% n‡j 3q eQ‡i jf¨vsk e„w×i nvi

KZ?

K 9% L 12%

M 10% N 13%

DÏxcKwU c‡o 20bs cÖ‡kœi DËi `vI : mvqgb eªv`vm© wj. Gi †kqvi cÖwZ g~j¨ 30

UvKv Ges †kqvi msL¨v 20,000 †Kv¤úvwb

cÖwZ †kqv‡i 20 UvKv jf¨vsk †NvlYv

K‡i| †Kv¤úvwbi AbywgZ jf¨vsk e„w×i

nvi 10%|

20. mvqgb eªv`vm© wj. Gi †kqvi g~jab KZ? K 6 jÿ L 20 jÿ M 2 jÿ N 5 jÿ 21. wg. Drm 10% my‡` 2,00,000 UvKv FY

MÖnY Kij| FY g~jab e¨q KZ? K 10,000 UvKv L 20,000 UvKv M 1,80,000 UvKv N 2,00,000 UvKv 22. Kwig 12% my‡` 2 jÿ UvKv FY wb‡q

dv‡g©wm eëmvq ïiæ K‡i| K‡ii nvi 12% n‡j Zvi mgwš^Z FY g~jab LiP KZ?

K 10.56% L 12% M 13.44% N 24% 23. eëmvq cÖwZôv‡b g~jab e¨q wbY©‡qi

cÖ‡qvRb †Kb? K †gvU m¤ú` wbY©‡q L bZzb cY¨ Drcv`‡b M gvbem¤ú` cwiKíbvq N wewb‡qvM cÖKí g~j¨vq‡b 24. cÖwZwU cÖwZôv‡b †Kvb ai‡bi bxwZ _v‡K? K †kqvi bxwZ L eÛ bxwZ M FYcÎ bxwZ N Kvg¨ FY bxwZ 25. my‡hvM e¨q Kx? K DrmM©K…Z m¤¢ve¨ Avq

L DrmM©K…Z m¤¢ve¨ e¨q

M my‡hvM MÖn‡Yi d‡j Avq

N Avw_©K e¨q

26. SzuwKc~Y© Z_vwc Avq m¤¢ve¨Zv AwaK †Kvb

wewb‡qv‡M?

K e‡Ûi †ÿ‡Î L mvaviY †kqvi

M AMÖvwaKvi †kqvi N wW‡eÂvi

27. SzuwKeûj wewb‡qv‡M †KvbwU †ewk _v‡K?

K Avq L e¨q

M ÿwZ N Dcwie¨q

28. †kqvi‡nvìvi‡ì wewb‡qvMK…Z A‡_©i ¯iƒc

†KvbwU?

K †diZ‡hvM¨ L iƒcvšÍi‡hvM¨

M AiƒcvšÍi‡hvM¨ N A‡diZ‡hvM¨

29. †kqv‡ii jf¨vsk cÖ`vb †Kgb?

K eva¨Zvg~jK L kZ©mv‡cÿ

M eva¨Zvg~jK bq N B”Qvaxb

30. †Kv¤úvwb‡Z KqwU jf¨vsk bxwZ cwijwÿZ

nq?

K 1wU L 2wU

M 3wU N 4wU



Self test


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1 M 2 M 3 N 4 K 5 M 6 M 7 K 8 M 9 L 10 N 11 L 12 K 13 N 14 K 15 L

16 L 17 N 18 N 19 M 20 K 21 L 22 K 23 N 24 N 25 K 26 L 27 K 28 N 29 M 30 M


68 †m›U d«vwÝm †Rwfqvm© Mvj©m nvB ¯‹zj GÛ K‡jR, XvKv mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. miKvwi A_©vq‡bi g~j jÿ¨ Kx? K gybvdv AR©b L eëmvq m¤úÖmviY M mgvRKj¨vY N ’vqx m¤úwË µq 2. †KvbwUi Rb¨ PjwZ g~jab ìKvi nq bv? K KuvPvgvj µq L kÖwg‡Ki gRywi cÖ`vb M †gwkb µq N fvov cÖ`vb 3. evsjv‡`‡k evwYR¨ NvUwZ nIqvi KviY Kx? K cwiPvjbvq A`ÿZv L ißvwb A‡cÿv Avg`vwb †ewk M KvwiMwi A`ÿZv N kÖgkw³i Afve 4. evRv‡i †kqvi Bmy¨ Ki‡Z †Kvb ai‡bi

cÖwZôv‡bi AbygwZ wb‡Z nq? K wWGmB L wmGmB M weGmBwm N AvBwmwe

5. `xN©‡gqvw` Znwe‡ji Drm n‡jv i. FY g~jab ii. AMÖvwaKvi †kqvi g~jab iii. msiwÿZ Avq



6. †KvbwU †kqv‡ii weKí wn‡m‡e eën„Z nq? K FY L mwÂwZ Znwej M FYcÎ N wjwRs 7. ˆ`bw›`b cÖ‡qvR‡b †Kvb ai‡bi e¨vsK

FYMÖnY Kiv DwPZ? K ¯í‡gqvw` L ga¨‡gqvw` M `xN©‡gqvw` N ¯í‡gqvw` I `xN©‡gqvw` 8. ÿz`ªFY eënvi Kiv nq

i. KzwUi wkí eë ’vcbvq ii. K…wl Dcv`vb µ‡q iii. n¨vPvwi cwiPvjbvq



9. mvßvwnK Pµe„w×i †ÿ‡Î m Gi gvb KZ? K 7 L 14 M 28 N 52

DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : wgm. wkgjv ï× MÖæ‡ci KvQ †_‡K GKwU

cÖ¯Íve †c‡jb †h, wZwb hw` GB cÖK‡í 100 UvKv Rgv iv‡Lb Zvn‡j kZKiv 10 fvM my` cv‡eb|

10. wgm. wkgjvi 100 UvKv fwel¨r g~j¨ KZ? K 100 UvKv L 105 UvKv M 110 UvKv N 120 UvKv 11. 10% my‡` 5 eQi ci 100 UvKvi g~j¨ KZ? K 110 UvKv L 121 UvKv M 141 UvKv N 161 UvKv 12. cÖZ¨qcÎ Bmy¨ K‡i †K? K †K›`ªxq e¨vsK L ißvwb Dbœqb e¨vsK M ißvwb Dbœqb eyy¨‡iv N evwYwR¨K e¨vsK

13. Zvij¨ SzuwKi m¤§yLxb n‡Z nq i. †kqvi‡nvìvi‡K ii. eÛ‡nvìvi‡K iii. wW‡eÂvi‡nvìvi‡K



14. A‡_©i mgq g~j¨ wba©vi‡Yi g~j KviY †KvbwU? K my‡ì nvi L gy`ªvbxwZ M A‡_©i Zvij¨ N ewa©Z gybvdv 15. A_©vq‡bi mvd‡jï PvweKvwV †KvbwU? K jf¨vsk bxwZ L g~jab ev‡RwUs M A_©ms¯’vb N g~jab Avq 16. cÖwZwU eëmvq cÖwZôv‡bi wbR¯^ Kx _v‡K? K gybvdv L g~jab e¨q M FY N g~jab Avq 17. eëmv‡qi mwVK g~jab KvVv‡gv wbe©vP‡b

f‚wgKv iv‡L i. g~jab e¨q ii. Kvg¨ FYbxwZ iii. eëmv‡qi gvwj‡Ki g~jab



18. wb‡Pi †KvbwU PjwZ m¤ú`? K bM` A_© L AvmevecÎ M hš¿cvwZ N †kqvi 19. †Kv¤úvwbi cÖK…Z gvwjK Kviv? K †kqvi‡nvìvi L eÛ‡nvìvi M FYc‡Îi gvwjK N cvIbv`vi 20. †h †Kv‡bv †`‡ki A_©bxwZ‡Z g~jab

msMÖ‡ni evRvi wnmv‡e ¸iæZ¡c~Y© f‚wgKv cvjb K‡i †KvbwU?

K eÛ L AvBb m¤ú‡K© aviYv M ÷K G·‡PÄ N †kqvi 21. e¨vs‡Ki cÖavb KvR Kx? K my` cÖvwß L FY AvgvbZ m„wó Kiv M mÂq e„w× Kiv N Zvij¨ m„wó Kiv

22. ivRkvnx K…wl Dbœqb e¨vsK †Kvb ai‡bi e¨vsK? K evwYwR¨K e¨vsK L mnvqK e¨vsK M we‡klvwqZ evwYwR¨K e¨vsK N AvÂwjK e¨vsK

23. e¨vs‡Ki Ab¨Zg bxwZ n‡jv i. ¯^í e¨‡q AwaK KvR ii. †MvcbxqZv iÿv Kiv iii. Rb‡mev Kiv



24. msiwÿZ Znwej Kx? K FYcÎ weµq K‡i Znwej msMÖn Kiv L wewfbœ †gqv‡` AvgvbZ MÖnY M †K› ªxq e¨vsK n‡Z Znwej msMÖn N fwel¨‡Zi Rb¨ mwÂwZ gybvdvi GKwU Ask

DÏxcKwU c‡o 25 I 26bs cÖ‡kœi DËi `vI : wgm KvKb AemicÖvß miKvwi PvKwiRxex|

wZwb †cbkb wn‡m‡e †h UvKv †c‡q‡Qb Zv e¨vs‡K Rgv ivL‡Z Pvb|

25. wgm KvK‡bi Rb¨ †Kvb wnmvewU Dchy³? K ’vqx wnmve L PjwZ wnmve M †gqvw` AvgvbZ N mÂqx wnmve 26. wnmve †Lvjvi Rb¨ wgm KvKb‡K cÖ_‡g

†Kvb KvRwU Ki‡Z n‡e? K b~¨bZg A_© Rgv L bgybvcÎ msMÖn M Av‡e`bcÎ msMÖn N iwm` msMÖn 27. mKj e¨vs‡Ki e¨vsK wnmv‡e †K›`ªxq

e¨vs‡Ki m¤úvw`Z KvR †KvbwU? K wbKvkNi L wkí Dbœqb M F‡Yi Drm N FY wbqš¿Y 28. A_©evRvi‡K w ’wZkxj Kiv nq Kxfv‡e? K gy`ªvgvb wbqš¿Y K‡i L g~j¨¯Íi w¯’wZkxj ivLv M FY wbqš¿Y K‡i N m¤ú‡ì mymg eÈb

29. e¨vsK I MÖvn‡Ki m¤ú‡K© cwimgvwß N‡U i. wek¦vm f½ n‡j ii. ˆbwZKZvi wech©q NU‡j iii. AvB‡bi cwicwš’ †Kv‡bv KvR Ki‡j



30. e¨vsK Kxfv‡e MÖvn‡Ki †MvcbxqZv iÿv K‡i? K cvIbv`v‡ii wb‡`©‡k L MÖvn‡Ki wb‡`©‡k M †K› ªxq e¨vs‡Ki wb‡`©‡k N AvBbMZ wb‡ ©‡k



Self test


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1 M 2 M 3 L 4 M 5 N 6 M 7 K 8 N 9 N 10 M 11 N 12 N 13 N 14 K 15 L

16 L 17 K 18 K 19 K 20 M 21 M 22 N 23 K 24 N 25 K 26 M 27 K 28 M 29 N 30 L


69 e¸ov miKvwi evwjKv D”P we`¨vjq mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. wewb‡qvMKvixi Kv‡Q Zij m¤ú` wnmv‡e mgv`„Z †KvbwU?

K AMÖvwaKvi †kqvi L eÛ M mvaviY †kqvi N wW‡eÂvi 2. †kqvievRv‡i wewb‡qvMKvwiMY KqwU

Dcv‡q wewb‡qvM Ki‡Z cv‡i? K `yBwU L wZbwU M PviwU N cuvPwU

3. AMÖvwaKvi †kqv‡i i. wbw`©ó nv‡i Avq nq ii. gybvdv I Av‡qi Ici AMÖvwaKvi

†Ìqv nq iii. FYcÎ gvwjK‡ì `vwei ci Zv‡ì

`vwe c~iY Kiv nq wb‡Pi †KvbwU mwVK? K i L ii M ii I iii N i, ii I iii

4. Ò¯^í e¨‡q AwaK gybvdvÓ e¨vs‡Ki †Kvb ai‡bi bxwZ?

K Dbœq‡bi bxwZ L wgZe¨wqZvi bxwZ M †MvcbxqZvi bxwZ N cÖPvi bxwZ 5. Avgv‡ì †`‡k KZ mv‡ji w`‡K GKevi

¯‹zj e¨vswKs cÖwZwôZ n‡q‡Q? K 1949 L 1952 M 1956 N 1960 6. evwYwR¨K e¨vs‡Ki †gŠwjK D‡Ïk¨ Kx? K wewbg‡qi gva¨g m„wó L g~jab MVb M gybvdv AR©b N RbKj¨vY 7. Avw_©K †jb‡`b I †`bv-cvIbv wb®úwËi

gva¨g wnmv‡e eënvi Kiv nq i. †PK ii. e¨vsK WªvdU iii. †µwWU KvW©


8. evwYwR¨K e¨vs‡Ki Av‡qi Drm †KvbwU? K jKvi fvov L wegv wcÖwgqvg M ïé I Ki N wejcÎ 9. e¨vs‡Ki mv‡_ MÖvn‡Ki †Kvb ai‡bi m¤úK©

evÃbxq? K mvgvwRK m¤úK© L eëmvwqK m¤úK© M e¨w³MZ m¤úK© N mZZvi m¤úK©

DÏxcKwU c‡o 10 I 11bs cÖ‡kœi DËi `vI : Rbve gvkivwd †mvbvjx e¨vs‡K GKwU

cÖZ¨qcÎ Pvjy K‡i divwm eëmvqx cvIqv‡ji KvQ †_‡K 5,00,000 UvKvi cY¨ Avg`vwb K‡i|

10. †mvbvjx e¨vsK Kv‡K wbðqZv cÖ`vb Ki‡e? K gvkivwd‡K L cvIqvj‡K M Rvnv‡Ri gvwjK‡K N Avg`vwbKviK‡K 11. †mvbvjx e¨vsK Kvi cÿ n‡q wbðqZv †`‡e? K cvIqvj‡K L divwm miKvi‡K M WK KZ…©cÿ‡K N gvkivwd‡K 12. Avw_©K eë ’vcKMY KZ ai‡bi wm×všÍ

Rvwb‡q KvR K‡i? K 2 L 3 M 4 N 5 13. kZKiv 10.1% nv‡i eZ©gvb 100 UvKvi

5 eQi ci fwel¨r g~j¨ KZ n‡e? K 153 UvKv L 151 UvKv M 157 UvKv N 161 UvKv 14. SzuwK eë ’vcbvi †KvbwU Lyu‡R †ei Ki‡Z

n‡e? K SzuwKi Drm L SzuwKi †kÖwY M SzuwKi KviY N SzuwKi Drm I KviY 15. A_©vq‡bi mvd‡jï PvweKvwV Kx? K A‡_©i mgqg~j¨ L SzuwK eë¯’vcbv M g~jab ev‡RwUs N mwVK wm×všÍ MÖnY

16. bM` AvšÍtcÖevn I wbU gybvdvi eëavb‡K Kx ejv nq?

K cÖviw¤¢K wewb‡qvM L bM` ewntcÖevn M †gvU PjwZ Avq N †gvU AePq 17. †KvbwU cwinvi Kivi Rb¨ wegv Kiv nq? K SzuwK L wewb‡qvM M jvf N ÿwZ 18. g~jab ev‡RwUs Gi c×wZmg~n wb‡Pi

†KvbwUi Rb¨ ¸iæZ¡c~Y©? K cÖKí wbe©vPb L wewb‡qv‡Mi jvfRbKZv wbY©q M Drcv`b ÿgZv evov‡bv N cÖwZôv‡bi Avw_©K cÖwZ‡e`b ˆZwi 19. †KvbwU †_‡K eëmv‡qi AvšÍtbM` cÖevn

N‡U? K µq L weµq M evÆv N gybvdv 20. cÖK‡íi bM` AvšÍtcÖevn hw` ewntcÖevn

†_‡K †ewk nq Zvn‡j wewb‡qvMwU i. jvfRbK nq ii. MÖnY‡hvM¨ nq iii. MZvbyMwZK nq


21. g~jab ev‡RwUs Gi êwkó¨ †KvbwU? K ’vqx m¤úwË‡Z wewb‡qvM L PjwZ m¤úwË‡Z wewb‡qvM M wbU PjwZ m¤úwË‡Z wewb‡qvM N KuvPvgv‡ji Ici wewb‡qvM 22. FY g~jab e¨‡qi c‡ivÿ myweav †KvbwU? K gybvdv e„w× L my` n«vm M Ki n«vm N Znwej e„w× 23. FYcÎ ev AMÖvwaKvi †kqvi‡K Kx nv‡i

jf¨vsk cÖ`vb Kiv nq? K wbw`©ó nv‡i L B”Qvg‡Zv M cÖZ¨vwkZ Av‡qi Ici N msiwÿZ Av‡qi Ici

DÏxcKwU c‡o 24 I 25bs cÖ‡kœi DËi `vI : wg. Zvwgg BKevj GKRb miKvwi

PvKwiRxex| wZwb †g‡qi we‡qi Rb¨ cuvP jÿ UvKv e¨vs‡K Rgv ivL‡Z Pvb|

24. wg. Zvwgg BKev‡ji G‡ÿ‡Î †Kvb wnmv‡e UvKv Rgv ivLv hyw³hy³?

K mÂqx wnmve L PjwZ wnmve M ’vqx wnmve N wegv mÂqx

wnmve 25. DwjøwLZ wnmvewU‡Z my‡ì nvi †Kgb n‡e? K wØ¸Y L wZb ¸Y M my` †Ìqv †_‡K weiZ _v‡K N †gqv` Abyhvqx n«vm ev e„w× N‡U

26. mÂqx wnmv‡e i. cÖwZw`b hZevi B”Qv UvKv Rgv †Ìqv

hvq ii. cÖwZw`b hZevi B”Qv UvKv †Zvjv hvq iii. ¯^í nv‡i my` cÖ`vb Kiv nq

wb‡Pi †KvbwU mwVK? K i L i I ii M i I iii N i, ii I iii

27. RgvwZwi³ A_© D‡Ëvjb Kiv hvq †Kvb wnmv‡e?

K mÂqx L PjwZ M ’vqx N †gqvw` 28. e¨vswKs eëmvi Znwe‡ji g~j Drm Kx? K FY L †K› ªxq e¨vsK M †kqvi N AvgvbZ 29. evsjv‡`‡ki me‡P‡q RbwcÖq Kvievwi

cÖwZôvb †KvbwU? K GKgvwjKvbv L mgevq mwgwZ M †Kv¤úvwb msMVb N ivóªxq Kvievi 30. miKvwi A_©vq‡bi g~j jÿ¨ Kx? K gybvdv AR©b L FY cÖ`vb M Znwej msMÖn N mgvRKj¨vY



Self test


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1 M 2 K 3 N 4 L 5 N 6 M 7 N 8 K 9 N 10 L 11 N 12 K 13 N 14 N 15 M

16 N 17 K 18 K 19 L 20 K 21 K 22 M 23 K 24 M 25 N 26 M 27 L 28 N 29 K 30 N


70 B¯úvnvbx cvewjK ¯‹zj I K‡jR, Kzwgjøv mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. bM` cÖevn n‡Z Kx wbY©q Kiv hvq? K †kqv‡ii cwigvY L KuvPvgv‡ji cwigvY M weµ‡qi cwigvY N gybvdvi cwigvY 2. AvšÍR©vwZK A_©vq‡b wePvi-we‡kølY Kiv nq

i. ißvwb LvZ ii. Avg`vwb LvZ iii. wbivcËv eë¯’v


3. wicb GKRb Avw_©K eë¯’vcK| wZwb Znwej msMÖ‡ni †ÿ‡Î we‡ePbv Ki‡eb i. Znwej msMÖn LiP ii. Znwej Dr‡mi SzuwK iii. Znwej cÖ‡qvR‡bi aib


4. evÆvKiY c×wZ‡Z Kx wbY©q Kiv nq? K fwel¨r g~j¨ L eZ©gvb g~j¨ M my‡ì nvi N my`-Avmj 5. mvaviYZ evwYwR¨K cÎ weµq Ki‡Z cv‡i

i. L¨vZbvgv e¨w³ ii. evwYwR¨K e¨vsK iii. wegv †Kv¤úvwb


6. hy³iv‡óªi †Kv¤úvwb¸‡jvi g‡a¨ GKwÎKi‡Yi cÖeYZv ïiæ nq

K 1930 Gi c~e©eZx© `k‡K L 1940 Gi `k‡K M 1960 Gi `k‡K N 1970 Gi `k‡K 7. msMwVZ gy`ªvevRvi MVb †Kvb e¨vs‡Ki

Ab¨Zg D‡Ïk¨? K †K›`ªxq e¨vs‡Ki L wewb‡qvM e¨vs‡Ki M wewbgq e¨vs‡Ki N evwYwR¨K e¨vs‡Ki 8. cÖvc¨ we‡ji †gqv`Kvj mvaviYZ Kq

gv‡mi nq? K 3 gv‡mi L 6 gv‡mi M 9 gv‡mi N 12 gv‡mi

DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : wbcv †UªWvm© GKwU †gwkb µq Ki‡e hvi

µqg~j¨ 90,000 UvKv| Avqy®‹vj 3 eQi| cÖKíwU n‡Z cÖwZ eQi AvMZ bM` cÖevn n‡e 42,000 UvKv, 38,000 UvKv Ges 29,000 UvKv|

9. µqK…Z †gwk‡bi µg‡hvwRZ bM`cÖev‡ni †hvMdj KZ n‡e?

K 1,00,000 L 1,05,000 M 1,08,000 N 1,09,000 10. †gwkbwUi cwi‡kvaKvj KZ n‡e? K 2.3 L 3 M 3. 3 N 4

11. Ae‡jLK Ges weªR wdb¨vÝ Gi KvR K‡i K K…wl e¨vsK L wkí e¨vsK M wewb‡qvM e¨vsK N eÜwK e¨vsK 12. AB †Kv¤úvwbi 100 UvKv wjwLZ g~‡jï

†kqv‡ii evRvig~j¨ 150 UvKv Ges cÖZ¨vwkZ jf¨vsk 15% n‡j g~jab e¨q KZ n‡e?

K 8% L 10% M 12% N 15% 13. †Kvb e¨vsK wnmve n‡Z me‡P‡q †ewk nv‡i

my` cvIqv hvq? K PjwZ wnmve L mÂqx wnmve M wegv mÂqx wnmve N ’vqx wnmve 14. `ÿ e¨vsK eë ’vi c~e©kZ© †KvbwU? K `ÿ cwiPvjbv L e¨vs‡Ki Dci MÖvn‡Ki Av ’v M eûgyLx †mev cÖ`vb N we‡klvq‡bi bxwZ

DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : Rbve wmqvg PX †Kv¤úvwbi 1,000 UvKv

g~‡jï 500wU †kqvi µq K‡i‡Qb| †Kv¤úvwbwU G eQi 10,00,000 UvKv gybvdv AR©b K‡i‡Q| †Kv¤úvwb Zvi †kqvi‡nvìvi‡ì Rb¨ 20% bM` jf¨vsk †NvlYv K‡i‡Q|

15. Rbve wmqvg ewY©Z †Kv¤úvwb n‡Z KZ UvKv jf¨vsk cv‡e?

K 5,000 L 10,000 M 1,00,000 N 2,00,000 16. hw` †Kv¤úvwb 1 t 4 nv‡i ÷K jf¨vsk

†NvlYv K‡i Zvn‡j wmqv‡gi eZ©gvb †kqvi msL¨v KZ n‡e?

K 625 L 750 M 1500 N 2500

17. Pµe„w×i msL¨v e„w× †c‡j K fwel¨rg~‡jï cwigvY Kg n‡e L fwel¨rg~‡jï cwigvY †ewk n‡e M eZ©gvb g~‡jï cwigvY †ewk n‡e N eZ©gvb g~j¨ AcwiewZ©Z _vK‡e 18. evsjv‡`k e¨vs‡Ki wbe©vnx cwiPvj‡Ki

msL¨v KZ Rb? K 4 L 6 M 8 N 12 19. msiwÿZ Av‡q Kx ai‡bi e¨q msNwUZ nq? K Af¨šÍixY L evwn¨K M my‡hvM N Drcv`b

20. Avq-e¨q cÖv°j‡bi c~‡e© wVK K‡i wb‡Z nq K evÆvi nvi L AePq M bM`cÖevn N my‡ì nvi

DÏxcKwU c‡o 21 I 22bs cÖ‡kœi DËi `vI : Rbve Avwe` GKwU e¨vs‡K wnmve

Ly‡j‡Qb| G wnmve †Lvjvi ga¨ w`‡q Zvi †hgb wKQy AwaKvi m„wó n‡q‡Q †Zgwb wKQy `vwqZ¡I m„wó n‡q‡Q|

21. wnmve †Lvjvi ga¨ w`‡q Rbve Avwe` Ges e¨vs‡Ki g‡a¨ wKiƒc AvBbMZ m¤úK© m„wó n‡q‡Q?

K eëmvwqK m¤úK© L †WweU-†µwWU m¤úK© M Pzw³e× m¤úK© N MÖvnK-cÖwZwbwa m¤úK© 22. Rbve Avwe` `vwqZ¡ cvjb Ki‡Z cv‡i

i. mZZvi cwiPq w`‡q ii. mgqg‡Zv FY cwi‡kva K‡i iii. my` Qvov Avmj cwi‡kva K‡i


23. we‡klvwqZ Avw_©K cÖwZôvb¸‡jv †Kvb ai‡bi A_©ms ’v‡bi Drm?

K ¯í‡gqvw` L ga¨‡gqvw` M Af¨šÍixY N `xN©‡gqvw` 24. Kvievwi cÖwZôv‡bi A_©vq‡bi mvaviY êwkó¨

i. A_© msMÖn Kiv ii. A_© eë¯’vcbv Kiv iii. e¨q wbqš¿Y Kiv


25. jf¨vsk bxwZ KZ cÖKvi? K 2 L 3 M 4 N 5 26. m¤ú~Y© Af¨šÍixY Drm †_‡K Znwej msMÖn

Ki‡j †Kvb SzuwK m„wó nIqvi m¤¢vebv _v‡K? K Zvij¨ SzuwK L Avw_©K SzuwK M eëmvwqK SzuwK N my‡ì nv‡ii SzuwK

DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI : K…lK igRvb Avjx MÖvg¨ gnvRb †_‡K

gvwmK 12% Pµe„w× my‡` FY MÖnY K‡i| msmv‡i Afv‡ei Kvi‡Y 11 eQi cvi n‡q hvq FY cwi‡kva Ki‡Z|

27. K…lK igRvb Avjx A‡_©i mgq g~‡jï †Kvb m~Î eënvi K‡i gnvR‡bi evwl©K my` cÖ`vb K‡i?

K evwl©K e„w× wbY©‡qi m~Î L fwel¨r g~j¨ wbY©‡qi m~Î M cÖK…Z my‡ì nvi wbY©‡qi m~Î N eZ©gvb g~j¨ wbY©‡qi m~Î 28. igRvb Avjx cÖK…Zc‡ÿ gnvRb‡K KZ

nv‡i my` cÖ`vb Ki‡e? K 271% L 281% M 290% N 371% 29. KqwU Kvi‡Y MÖvn‡Ki mv‡_ e¨vs‡Ki

m¤ú‡K©i Aemvb N‡U? K 3wU L 6wU M 9wU N 12wU

30. Zij m¤ú` wnmv‡e mgv`„Z i. cÖvBReÛ ii. †kqvi iii. eÛ




Self test


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1 M 2 K 3 N 4 L 5 N 6 K 7 K 8 K 9 N 10 K 11 M 12 L 13 N 14 L 15 M

16 K 17 L 18 N 19 M 20 K 21 M 22 K 23 L 24 K 25 L 26 M 27 M 28 M 29 M 30 K


71 Wv. Lv¯ÍMxi miKvwi evwjKv D”P we`¨vjq, PÆMÖvg mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. gybvdv e„w×i mv‡_ mv‡_ A_©vq‡bi †KvbwU

e„w× cvq?

K weµq L SzuwK

M Avq N e¨q

2. †K›`ªxq e¨vsK †h Dcv‡q FY wbqš¿Y K‡i

Zv n‡jv

i. †Lvjv evRvi bxwZ

ii. ˆbwZK cÖ‡ivPbv

iii. e¨vsK nvibxwZ


K i I ii L i I iii


3. cÖwZwU †kqv‡ii AwfwnZ g~j¨ 1000 UvKv,

†NvwlZ jf¨vsk 15% n‡j cÖvc¨ jf¨vsk

KZ?

K 1000 UvKv L 150 UvKv

M 100 UvKv N 1150 UvKv

4. wb‡Pi †KvbwU evwYwR¨K e¨vs‡Ki Av‡qi

cÖavb Drm?

K jKvi fvov L wej evÆvKiY

M wewb‡qvM N F‡Yi my`

5. FY g~jab e¨‡qi c‡ivÿ myweav †KvbwU?

K gybvdv e„w× L my` n«vm

M Ki n«vm N Znwej e„w×

6. evsjv‡`k e¨vs‡K †WcywU Mfb©i KqRb?

K 6 Rb L 5 Rb

M 4 Rb N 1 Rb

7. †K›`ªxq e¨vs‡Ki cÖ`Ë av‡ii Dci my`

cÖ`vb evwYwR¨K e¨vs‡Ki Kx?

K cÖavb `vq L Li‡Pi LvZ

M `vqgyw³ N Av‡qi LvZ

8. evÆvKiY c×wZ‡Z Kx wbY©q Kiv nq?

K fwel¨r g~j¨ L eZ©gvb g~j¨

M my‡ì nvi N my`vmj

9. mvaviY †kqvi e¨q 20% AMÖvwaKvi †kqvi

e¨q 15% n‡j Mo g~jabx e¨q KZ?

K 10% L 17.5%

M 18% N 17%

10. my‡ì nvi 10% n‡j 5 eQi c‡ii 100

UvKvi eZ©gvb g~j¨ KZ?

K 60.09 L 65.09

M 62.09 N 63.09

11. bM` AvšÍtcÖevn I wbU gybvdvi eëavb‡K

Kx e‡j?

K cÖviw¤¢K wewb‡qvM L bM` ewntcÖevn

M †gvU e¨q N AePq

12. PPP-Gi c~Y©iƒc †KvbwU? K Public Past Partnership

L Public Present Partnership

M Public Private Partnership

N Public Parfit Partnership

13. A_©vqb eë¯’vi bxwZgvjv

i. Zvij¨ ebvg gybvdv bxwZ

ii. Dchy³Zvi bxwZ

iii. Kviev‡i êwPÎ¨vqb I SzuwK eÈb


K i I ii L i I iii


14. †KvbwU †kqv‡ii weKí?

K FY L FYcÎ

M wjwRs N evwYwR¨K cÎ

DÏxcKwU c‡o 15 I 16 bs cÖ‡kœi DËi `vI :

wknve GKRb eëmvqx| wZwb e¨vsK

wnmv‡ei gva¨‡g †`bv-cvIbv wb®úwË

K‡ib| wKš‘ cvIbv`v‡ii Pvwn`vgvwdK

UvKv Zzj‡Z bv cvivq Zvi eÜyi civg‡k©

Ab¨ GKwU wnmve †Lvjvi wm×všÍ †bb|

15. wknv‡ei eZ©gvb e¨vsK wnmvewU †Kvb ai‡bi?

K mÂqx wnmve

L PjwZ wnmve

M †gqvw` wnmve

N wW‡cvwRU †cbkb w¯‹g

16. wknv‡ei Rb¨ Dc‡hvMx e¨vsK wnmve †KvbwU?

K mÂqx wnmve L ’vqx wnmve

M PjwZ wnmve N FY AvgvbZ wnmve

17. mymsMwVZ gy`ªvevRvi MVb †Kvb e¨vs‡Ki

Ab¨Zg D‡Ïk¨?

K †K›`ªxq e¨vsK L wewb‡qvM e¨vsK

M wewbgq e¨vsK N evwYwR¨K e¨vsK

18. e¨vsK I Zvi MÖvn‡Ki ga¨Kvi m¤úK© g~jZ

i. †WUi-†µwWUi m¤úK©

ii. Pzw³e× m¤úK©

iii. mvgvwRK m¤úK©


K ii I iii L i I ii


19. eëmvq g~j PvwjKvkw³ wn‡m‡e Kx eënvi

Kiv nq?

K D‡`¨vM L wewb‡qvM

M A_©vqb N Drcv`b

20. cÖwZôv‡bi Avw_©K eë ’vcbvi wewfbœ

wm×v‡šÍ †KvbwU ¸iæZ¡c~Y© f‚wgKv iv‡L?

K AePq L g~jab Avq

M gybvdv LiP N g~jab LiP

21. wb‡Pi †Kvb wnmv‡ei gva¨‡g RgvwZwi³

D‡Ëvj‡bi myweav cvIqv hvq?

K mÂqx L ’vqx

M FY AvgvbZ N PjwZ

22. wiRvf© e¨vsK Ae BwÛqv KZ mv‡j

cÖwZwôZ nq?

K 1975 L 1960

M 1953 N 1935

23. evwYwR¨K e¨vs‡Ki e¨‡qi LvZ †KvbwU?

K jKvi fvov L F‡Yi my`

M wbixÿ‡Ki wej N wej evÆvKiY

24. cÖwZwU wewb‡qv‡Mi i‡q‡Q

K mybvg L my‡hvM e¨q

M gybvdv N ÿwZ

25. Avq-e¨q cÖv°jb †k‡l wb‡Pi †KvbwU

wba©viY Kiv nq?

K SzuwKi cwigvY L †gvU bM` cÖevn

M †gvU LiP N wbU gybvdv

26. 3% evÆv nv‡i 500 UvKvi cÖvc¨ we‡j

evÆvK…Z A‡_©i cwigvY KZ?

K 15 UvKv L 485 UvKv

M 500 UvKv N 515 UvKv

27. FY cwi‡kv‡ai AÿgZv †_‡K ïiæ nq

K Avw_©K SzuwK L eëmvwqK SzuwK

M Zvij¨ SzuwK N my‡ì nv‡ii SzuwK

28. cÖZ¨vwkZ Avq †_‡K cÖK…Z Av‡qi †Kvb

Dcv`vbwU †ewk n‡j SzuwK ev‡o?

K Avq L e¨q

M wePz¨wZ N AwbðqZv

29. MÖvn‡Ki Rb¨ e¨vsK Avgvb‡Zi D‡Ïk¨ Kx?

K wewb‡qvM L g~jab MVb

M F‡Yi myweav N ê‡`wkK wewb‡qvM

30. wewb‡qvMKvixi cÖZ¨vwkZ Avq‡K eëmv‡qi

Kx e‡j?

K g~jab e¨q L gybvdvi nvi

M wewb‡qv‡Mi my` N Znwe‡ji Drm



Self test


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1 L 2 N 3 L 4 N 5 M 6 M 7 L 8 L 9 L 10 M 11 N 12 M 13 N 14 L 15 K

16 M 17 K 18 L 19 M 20 N 21 N 22 N 23 M 24 L 25 N 26 L 27 K 28 M 29 M 30 K


72 eW©vi MvW© cvewjK ¯‹zj GÛ K‡jR, wm‡jU mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. Askx`vwi cÖwZôv‡b Askx`vie„›` †h Znwej eëmvq wewb‡qvM K‡i Zv‡K Kx e‡j?

K wewb‡qvM L g~jab M FYcÎ N †kqvi 2. `xN©‡gqvw` FY I †kqvi Bmy¨ †Kvb

eëmv‡qi Rb¨ cÖ‡qvRb? K GKgvwjKvbv L †Kv¤úvwb M Askx`vwi N mgevq 3. eë ’vcbvi †ÿ‡Î †hmKj bxwZ cwijwÿZ

nq Zv n‡jv i. SzuwK MÖnY bxwZ ii. Dchy³Zvi bxwZ iii. Zvij¨ ebvg gybvdvbxwZ



4. mvßvwnK 1% Pµe„w× my‡` evwl©K cÖK…Z my‡ì nvi KZ?

K 12% L 24% M 52% N 67.76% 5. wg. h`y 3 eQi c‡i 10% Pµe„w× my‡ì

nv‡i hw` 3,327.50 UvKv cvq, Z‡e Gi eZ©gvb g~j¨ KZ?

K 2,500 UvKv L 2,700 UvKv M 2,900 UvKv N 3,000 UvKv 6. eZ©gvb I fwel¨r g~j¨ wbY©q Kiv nq

i. mij‰iwLK c×wZ eënvi K‡i ii. Pµe„w×KiY c×wZ eënvi K‡i iii. evÆvKiY c×wZ eënvi K‡i



7. FY †bIqvi Av‡M †KvbwU Kiv Avek¨K? K my‡ì cwigvY wba©viY L cwi‡kva ÿgZv hvPvB Kiv M A‡_©i g~j¨ wba©viY N F‡Yi cwigvY wbw`©ó Kiv DÏxcKwU c‡o 8 I 9 bs cÖ‡kœi DËi `vI : bevbœ †UªWv‡m©i AvMvgx 3 eQ‡ii Av‡qi

nvi h_vµ‡g 20%, 5% I 15%| 8. bevbœ †UªWv‡m©i Mo Av‡qi nvi KZ? K 10% L 15% M 20% N 25% 9. bevbœ †UªWv‡m©i Av`k© wePz¨wZ KZ? K 11.23% L 12.23% M 13.23% N 14.23% 10. bM` cÖevn wba©viY Kivi ci †mwU‡K bM`

g~‡j¨ iƒcvšÍi Kivi Rb¨ †KvbwU cÖ‡qvRb nq? K my‡ì cwigvY L evÆvi nvi M gybvdvi nvi N weµ‡qi cwigvY 11. mv¤úvb wj. Gi GKwU cÖK‡íi Mo wbU

gybvdv 75,000 UvKv Ges Mo gybvdvi nvi 15% n‡j D³ cÖK‡íi Mo wewb‡qvM KZ?

K 4 jÿ L 5 jÿ M 7 jÿ N 9 jÿ

12. g~jab ev‡RwUs‡qi AvIZvaxb i. ¯’vqx m¤úwË cÖwZ¯’vcb ii. c‡Yï êwPÎ¨vqb iii. eëmv‡qi AvaywbKvqb

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 13. g~jab ev‡RwUs cÖwµqvq evÆv nvi wn‡m‡e

†KvbwU eën„Z nq? K wjfv‡iR L Avq nvi M e¨q nvi N g~jab e¨q DÏxcKwU c‡o 14 I 15 bs cÖ‡kœi DËi `vI : wg. evmy Zvi †cbk‡bi UvKv w`‡q GKwU

eëmvq ïiæ K‡ib| 3 eQi ci eëmvq m¤úªmviYK‡í eo A‡¼i g~jab msMÖ‡ni wPšÍvfvebv Ki‡Qb|

14. wg. evmy eëmvq †Kvb ai‡bi g~jab eënvi K‡ib?

K ¯xq g~jab L PjwZ g~jab M FY g~jab N ’vqx g~jab 15. wg. evmyi eëmvq m¤úªmvi‡Y †Kvb

†gqv‡ì A‡_©i cÖ‡qvRb? K ¯í L ga¨ M `xN© N wjwRs 16. Kic~e© FY g~jab e¨q‡K mgš^q Kivi

cÖ‡qvRb nq †Kb? K Ki cÖ`vb Ki‡Z L Ki gIKzd Ki‡Z M Ki e„w× Ki‡Z N Ki duvwK w`‡Z 17. wgg eªv`vm©‡K ‘X’ e¨vsK 15% my‡` 2

†KvwU UvKv FY w`j| hw` Ki nvi 30% nq, Zvn‡j H F‡Yi g~jab LiP KZ n‡e?

K 10.4% L 10.5% M 11.4% N 11.5% 18. e‡Û †h êwkó¨ we`¨gvb, Zv n‡jv

i. RvgvbZ ii. AwaK SzuwK iii. iƒcvšÍi‡hvM¨Zv

wb‡Pi †KvbwU mwVK? K i I ii L i I iii M ii I iii N i, ii I iii 19. †Kvb eë ’vwU e¨vswKs eëmvq AvaywbKZvi

†Quvqv G‡b w`‡q‡Q? K mbvZb e¨vswKs L e¨vswKs cY¨ M B‡jKUªwbK e¨vswKs N MÖvnK mš‘wó 20. evRvi wbqwš¿Z e¨vsK †Kvb ai‡bi

A_©bxwZi AšÍM©Z? K AvšÍR©vwZK A_©bxwZ L ’vbxq A_©bxwZ M †kqvi A_©bxwZ N evRvi A_©bxwZ 21. evwYwR¨K e¨vsK‡K A_©evRv‡i Kx ejv nq? K gyieŸx L ga¨gwY M PvwjKvkw³ N gv`vi 22. e¨vsK MÖvn‡Ki AwQ wnmv‡e KvR K‡i

i. ¯^Y©vjsKvi msiÿ‡Yi gva¨‡g ii. †`bv cvIbv Av`vq I cwi‡kv‡ai gva¨‡g iii. g~jëvb m¤ú` msiÿ‡Yi gva¨‡g



23. `vMKvUv †P‡K D‡jøL Kiv nq †KvbwU? K cÖvc‡Ki bvg L e¨vs‡Ki bvg M GÛ †Kvs N n¯ÍvšÍi‡hvM¨ bq 24. †K evsjv‡`k e¨vs‡Ki eë ’vcbv cÖavb

wn‡m‡e `vwqZ¡ cvjb K‡i? K mwPe L Mfb©i M g¨v‡bRvi N A_©gš¿x 25. gy`ªvùxwZ Kgv‡bvi Rb¨ evsjv‡`k e¨vsK

Kx K‡i? K e¨vsK nvi n«vm K‡i L †LvjvevRv‡i †kqvi wewµ K‡i M Rgvi nvi AcwiewZ©Z iv‡L N Rgvi nvi n«vm K‡i 26. †LvjvevRv‡i miKvwi wmwKDwiwUR wewµi

KviY n‡jv i. evwYwR¨K e¨vs‡Ki FY wbqš¿Y ii. e¨vsK Avgvb‡Zi cwigvY n«vm iii. †kqvievRv‡ii w ’wZkxjZv iÿv



DÏxcKwU c‡o 27 I 28 bs cÖ‡kœi DËi `vI : GUjvm QvZv †Kvs 35,000 UvKv e¨‡q GKwU

†gwkb µq Ki‡Z Pvq| †gwkbwUi Avqy®‹vj 3 eQi Ges Avqy¼vj †k‡l Gi †Kv‡bv Aewkó g~j¨ †bB| †gwkb n‡Z cÖwZ eQi wbU gybvdv cvIqv hv‡e h_vµ‡g 5,000 UvKv, 4,000 UvKv Ges 6,000 UvKv|

27. †gwkbwUi evrmwiK AePq KZ n‡e? K 11,666 UvKv L 13,574 UvKv M 15,390 UvKv N 16,560 UvKv 28. †gwkbwU‡Z Mo wewb‡qvM †_‡K cÖvß

gybvdvi nvi KZ n‡e? K 29.70% L 29.20% M 28.90% N 28.57% DÏxcKwU c‡o 29 I 30 bs cÖ‡kœi DËi `vI : ïfwgZv Zvi eëmvwqK Kg©Kv‡Ði LvwZ‡i

ˆ`wbK cÖvq 12 jÿ UvKvi †jb‡`b K‡i _v‡Kb| wbivcËvi ¯^v‡_© wZwb GKwU evwYwR¨K e¨vs‡K wnmve Lyj‡Z †M‡jb|

29. ïfwgZvi Rb¨ †Kvb wnmvewU Dc‡hvMx? K PjwZ wnmve L ’vqx wnmve M mÂqx wnmve N †gqvw` wnmve 30. D³ wnmve †_‡K ïfwgZv

i. ˆ`wbK hZevi cÖ‡qvRb ZZevi UvKv Zzj‡Z cv‡ib

ii. †Kvb my` cv‡e bv iii. RgvwZwi³ UvKvI D‡Ëvjb Ki‡Z cv‡ib





Self test


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1 L 2 L 3 M 4 M 5 K 6 M 7 L 8 K 9 M 10 L 11 L 12 N 13 N 14 K 15 M

16 L 17 L 18 L 19 M 20 N 21 L 22 L 23 M 24 L 25 L 26 K 27 K 28 N 29 K 30 N


73 ewikvj wRjv ¯‹zj mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. SzuwKnxb wewb‡qvM †KvbwU? K †kqvievRv‡i wewb‡qvM Kiv L eëmv‡q wewb‡qvM Kiv M e¨vs‡K UvKv Rgv K‡i wewb‡qvM Kiv N my‡ì UvKv Rgv K‡i wewb‡qvM Kiv

2. SzuwK †ewk n‡j gybvdv K Kg nq L †ewk nq M mgvb _v‡K N gybvdv nq bv 3. cÖwZôv‡bi Avw_©K eë ’vcbvi wewfbœ

wm×v‡šÍ †KvbwU ¸iæZ¡c~Y© f‚wgKv iv‡L? K AePq L g~jab Avq M gybvdv LiP N g~jab LiP

DÏxcKwU c‡o 4 I 5 bs cÖ‡kœi DËi `vI : wen½ G›UvicÖvBR GKwU cÖK‡í 1,50,000

UvKv wewb‡qvM K‡i hv †_‡K AvMvgx 5 eQ‡ii bM` cÖevn cvIqv hv‡e h_vµ‡g 40,000 UvKv, 60,000 UvKv, 50,000 UvKv, 40,000 UvKv Ges 64,000 UvKv, †c-e¨vK mgq c×wZ‡Z cÖKíwUi g~jab ev‡RwUs Kiv nq|

4. cÖKíwUi †c-e¨vK mgq KZ? K 3 eQi L 3 eQi 6 gvm M 4 eQi 6 gvm N 4 eQi 5. cÖKíwUi g~jab ev‡RwUs c×wZ wbe©vP‡bi

mxgve×Zv n‡jv i. meKwU eQ‡ii bM`cÖevn MYbv Kiv nqwb ii. wewb‡qv‡Mi UvKvi mgq g~j¨ weewPZ

nqwb iii. jv‡fi †Kv‡bv wbw`©ó nvi †bB



6. gy`ªv cÖPjb K‡i †Kvb e¨vsK? K †K›`ªxq e¨vsK L evwYwR¨K e¨vsK M wewb‡qvM e¨vsK N wkí e¨vsK 7. evsjv‡`‡ki †K›`ªxq e¨vs‡Ki gvwjK †K? K evwYwR¨K e¨vsK L miKvi M A_© mwPe N Mfb©i 8. bM` A_© I gybvdvi g‡a¨ m¤úK© Kxiƒc? K EaŸ©gyLx L wecixZ M wbgœgyLx N mgvbycvZ 9. wb‡Pi †KvbwUi g~j D‡Ïk¨ gybvdv AR©b

bq? K †Kv¤úvwbi L GwZgLvbvi M gyw` †`vKv‡bi N eëmv‡qi 10. wbKvk N‡ii KvR †KvbwU? K e¨vsKmg~‡ni g‡a¨ FY mgš^q L AvšÍte¨vswKs †`bv-cvIbv wb®úwË M miKv‡ii †`bv-cvIbv wb®úwË N †K› ªxq e¨vs‡Ki wbR¯ †`bv-cvIbv wb®úwË

11. kvIbv Zvi e„wËi cÖvß 1,000 UvKv 10% evwl©K Pµe„w× my‡` e¨vsK Rgv iv‡L| 2 eQi ci †m my`mn KZ UvKv cv‡e?

K 1,100 UvKv L 1,200 UvKv M 1,210 UvKv N 1,220 UvKv

DÏxcKwU c‡o 12 I 13 bs cÖ‡kœi DËi `vI : ABC †Kv¤úvwb 10% my‡` 2,00,000

UvKv FY MÖnY K‡i| Ki nvi 40%| 12. ABC †Kv¤úvwbi FY g~jab e¨q KZ? K 5% L 6% M 8% N 10% 13. Kic~e© FY g~jab e¨q‡K mgš^q Kivi

cÖ‡qvRb nq †Kb? K Ki cÖ`vb Ki‡Z L Ki gIKzd Ki‡Z M Ki e„w× Ki‡Z N Ki duvwK w`‡Z

14. †Kv¤úvwbi gvwjKvbv jvf Kiv hvq K FY cÖ`v‡bi gva¨‡g L †kqvi µ‡qi gva¨‡g M FYcÎ µ‡qi gva¨‡g N evwYwR¨K cÎ µ‡qi gva¨‡g

15. `xN©‡gqvw` Znwej eënvi Kiv nq K KuvPvgvj µq Ki‡Z L kÖwg‡Ki gRywi w`‡Z M hš¿cvwZ µq Ki‡Z N cvIbv UvKv cwi‡kva Ki‡Z 16. evwYwR¨K cÎ A_©vq‡bi †Kvb RvZxq Drm? K ¯í‡gqvw` L ga¨‡gqvw` M `xN©‡gqvw` N Af¨šÍixY

DÏxcKwU c‡o 17 I 18 bs cÖ‡kœi DËi `vI : wmjfv wj. 10 †KvwU UvKvi †kqvi wewµ

K‡i| cÖwZwU †kqv‡ii g~j¨ 200 UvKv nIqvq me‡kÖwYi gvbyl †kqvi µq Ki‡Z cv‡i|

17. wmjfv wj. †Kvb ai‡bi eëmvq cÖwZôvb? K mgevq msMVb L Askx`vi msMVb M cvewjK †Kv¤úvwb N cÖvB‡fU †Kv¤úvwb 18. wmjfv wj. †Kv¤úvwbi †kqvi‡nvìviiv

†c‡Z cv‡i K my` L Kwgkb M †evbvm N jf¨vsk 19. wW‡eÂv‡ii †ÿ‡Î †KvbwU mwVK? K wW‡eÂvi gvwj‡Ki †fvUvwaKvi _v‡K L wW‡eÂv‡ii wbw`©ó †gqv` _v‡K bv M wewb‡qvMKvixiv wW‡eÂvi †_‡K wbw`©ó

nv‡i Avq cvq bv N wW‡eÂv‡ii wecixZ †Kv‡bv RvgvbZ

_v‡K bv 20. †Kvb †ÿ‡Î my`vmj me‡P‡q †ewk? K mij my` L Pµe„w× c×wZ M evÆvKiY N my‡hvM e¨q

21. wewb‡qv‡Mi nvwZqvi †KvbwU? K †kqvi L eÛ M wW‡eÂvi N me¸‡jv 22. †Kv¤úvwbi †gvU g~jab‡K ÿz`ª ÿz`ª As‡k

wef³ Ki‡j cÖwZwU Ask‡K ejv n‡e K FYcÎ L eÛ M †kqvi N wmwKDwiwUDR

DÏxcKwU c‡o 23 I 24 bs cÖ‡kœi DËi `vI : Ave`yjøvn GKRb e¯¿ eëmvqx| wZwb

e¨vsK wnmv‡ei gva¨‡g †`bv-cvIbv wb®úwË K‡ib| wKš‘ cvIbv`v‡ii Pvwn`v gvwdK UvKv Zzj‡Z bv cvivq gybœvi civg‡k© Ab¨ GKwU wnmve †Lvjvi wm×všÍ †bb|

23. Ave`yjøvni eZ©gvb wnmvewU †Kvb ai‡bi? K PjwZ wnmve L mÂqx wnmve M †gqvw` wnmve N wW‡cvwRU †cbkb w¯µg 24. Ave`yjøvni Rb¨ Dc‡hvMx e¨vsK wnmve

†KvbwU? K PjwZ wnmve L mÂqx wnmve M ’vqx wnmve N FY AvgvbZ wnmve 25. gy`ªv

i. GKwU wewbg‡qi gva¨g ii. g~‡jï cwigvcK iii. mÂ‡qi evnb



26. †h †P‡Ki A_© e¨vsK †_‡K wbw`©ó e¨w³ e¨ZxZ Ab¨ †KD D‡Ëvjb Ki‡Z cv‡i bv Zv‡K e‡j? i. evnK †PK ii. ûKzg †PK iii. `vMKvUv †PK


27. e¨vsK eëmv‡qi Acwinvh© bxwZ †KvbwU? K wbivcËv bxwZ L gybvdv bxwZ M Zvij¨ bxwZ N `ÿZvi bxwZ 28. AbjvBb e¨vswKs †Kvb ai‡bi eë ’vi

AwaK myweavRbK? K kvLv L GKK M MÖæc N †PBb 29. †KvbwU evwYwR¨K e¨vs‡Ki c‡ivÿ D‡Ïk¨? K Kg©ms ’vb m„wó L RbKj¨vY M m¤ú‡ì mymg eÈb N wewbg‡qi gva¨g m„wó 30. †Kvb e¨vsK wnmve †_‡K me‡P‡q †ewk

nv‡i my` cvIqv hvq? K PjwZ wnmve L mÂqx wnmve M wegv mÂqx wnmve N ’vqx wnmve



Self test


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1 M 2 L 3 N 4 K 5 N 6 K 7 L 8 L 9 L 10 L 11 M 12 L 13 L 14 L 15 M

16 K 17 M 18 N 19 N 20 L 21 N 22 M 23 L 24 K 25 N 26 L 27 L 28 K 29 L 30 N


74 cywjk jvBÝ ¯‹zj GÛ K‡jR, iscyi mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. GKRb eëmvqx‡K ¯^í cyuwR wewb‡qvM K‡i

AwaK gybvdv AR©‡b mnvqZv K‡i K g~jab L KuvPvgvj µq M A_©vqb eë¯’vcbv N Znwej msMÖn

2. miKvwi A_©vq‡b Av‡qi Drm i. g~j¨ ms‡hvRb Ki ii. cÖvBReÛ iii. Avg`vwb ïé



3. Aeëmvqx cÖwZôv‡bi Av‡qi Drm †KvbwU? K FY L Aby`vb M wewb‡qvM N †iwg‡UÝ 4. cÖvB‡fU wjwg‡UW †Kv¤úvwbi D‡`¨v³vi

m`m¨msL¨v KZ? K 2-50 Rb L 7-13 Rb M 7-50 Rb N 7 †kqvimsL¨v 5. ga¨‡gqvw` A_©ms ’v‡bi Drm †KvbwU? K ÿz`ª FY L we‡klvwqZ Avw_©K cÖwZôvb M †µZv n‡Z AwMÖg N cÖvc¨ wej evÆvKiY 6. †Kvb m‡¤§j‡bi cÖ¯Íve Abyhvqx AvšÍR©vwZK

gy`ªv Znwej MwVZ nq? K †eUb DWm L Bqvëv M †Kvc N †Z‡nivb 7. cÖwZ FY g~jab †ewk n‡j †Kvb SzuwK ev‡o?

K Zvij¨ L Avw_©K M my` nv‡ii N eëmvwqK 8. eëmv‡qi cÖwZwU wm×v‡šÍi mv‡_ RwoZ

i. A‡_©i AvšÍtcÖevn ii. A‡_©i mgqg~j¨ iii. A‡_©i ewntcÖevn



9. fwel¨r g~j¨ wba©vi‡Yi Rb¨ eën„Z c×wZ‡K Kx ejv nq?

K my` cÖwµqv L evÆvKiY c×wZ M †gqvw` cÖwµqv N Pµe„w× c×wZ 10. wewb‡qvM wØ¸Y n‡j Ôiæj-72 Abyhvqx

Ô72Õ †K? i. †gqv` w`‡q ¸Y Ki‡j my` ii. †gqv` w`‡q fvM Ki‡j my‡ì nvi

cvIqv hvq iii. my‡ì nvi w`‡q fvM Ki‡j †gqv`

cvIqv hvq wb‡Pi †KvbwU mwVK? K i I ii L i I iii


DÏxcKwU c‡o 11 I 12 bs cÖ‡kœi DËi `vI : wgbv †Kv¤úvwb wjwg‡UW eëmvq †gvU

g~jab 200 †KvwU UvKv| g~ja‡bi 140 †KvwU UvKv FYcÎ wewµ K‡i msMÖn K‡i|

11. wgbv †Kv¤úvwb wj. cÖwZôv‡bi `„wó‡KvY n‡Z †Kvb ai‡bi SzuwKi m„wó n‡q‡Q?

K eëmvwqK SzuwK L Avw_©K SzuwK M my` nv‡ii SzuwK N Zvij¨ SzuwK 12. FYcÎ †µZvi wbKU †Kvb ai‡bi SzuwK

m„wó K‡i i. my` nv‡ii SzuwK ii. Zvij¨ SzuwK iii. Avw_©K SzuwK



13. eëmv cÖwZôv‡bi mvdj¨ I wU‡K _vKv wbf©i K‡i †Kvb wm×v‡šÍi Dci?

K ¯í‡gqvw` wewb‡qvM wm×všÍ L `xN©‡gqvw` wewb‡qvM wm×všÍ M ga¨‡gqvw` wewb‡qvM N evwK‡Z cY¨ µq 14. bM` AvšÍtcÖevn I wbU gybvdvi eëavb‡K

Kx e‡j? K cÖviw¤¢K wewb‡qvM L bM` ewntcÖevn M PjwZ e¨q N †gvU AePq 15. FY g~jab e¨‡qi c‡ivÿ myweav †KvbwU? K gybvdv e„w× L my` n«vm M Ki n«vm N Znwej n«vm 16. †Kv¤úvwbi †gvU g~ja‡bi ÿz`ª Ask‡K Kx e‡j? K cÖZ¨qbcÎ L eÛ M †kqvi N FY

DÏxcKwU c‡o 17 I 18 bs cÖ‡kœi DËi `vI : wgbv I wibv `yBRb evÜex| wgbv Ggb

†ÿ‡Î wewb‡qvM Ki‡Z Pvq †hLv‡b Avq wbw`©ó I m¤ú‡ì Dci AwaKvi †ewk _v‡K| Aciw`‡K w`bv wibv AwaK Av‡qi Rb¨ SzuwK wb‡q wewb‡qvM Ki‡Z AvMÖnx|

17. wgbv †Kvb ai‡bi †kqv‡i wewb‡qvM Ki‡Z AvMÖnx?

K AMÖvwaKvi †kqvi L mvaviY †kqvi M †evbvm †kqvi N wejw¤^Z †kqvi 18. wibvi Rb¨ †Kvb ai‡bi wewb‡qvM hyw³hy³? K mvaviY †kqvi L AMÖvwaKvi †kqvi M †evbvm †kqvi N eÛ 19. †KvbwU Qvov gy`ªvi eënvi mxwgZ? K †kqvievRvi L e¨vsK M †jb‡`b N wegv

20. cvi¯úwiK DbœwZmvab †Kvb e¨vs‡Ki gyL¨ D‡Ïk¨?

K GKK e¨vsK L kvLv e¨vsK M †PBb e¨vsK N MÖæc e¨vsK 21. e¨vsK †`Dwjqv nq KLb? K wbivcËvi Afv‡e L gybvdvi Afv‡e M mZZvi Afv‡e N Avw_©K m”QjZvi Afv‡e 22. gy`ªvevRvi wbqš¿‡Y evwYwR¨K e¨vs‡Ki

f‚wgKv n‡jv i. miKvi‡K mnvqZv Kiv ii. †K›`ªxq e¨vs‡Ki mv‡_ KvR Kiv iii. gy`ªvùxwZ wbqš¿Y Kiv



23. cÖZ¨qcÎ Kvi AbyK‚‡j Bmy¨ Kiv nq? K e¨vsK L miKvi M ißvwbKviK N Avg`vwbKviK 24. †Kvb e¨vs‡K UvKv ivLv AwaK wbivc`? K ZvwjKvfz³ e¨vsK L AZvwjKvfz³ e¨vsK M Avw_©K cÖwZôvb N Abvw_©K cÖwZôvb

25. †µwWU Kv‡W© µq i. evwK‡Z µq ii. e¨w³MZ FY iii. wbw`©ó mgqv‡šÍ MÖvnK‡K my`mn

cwi‡kva Ki‡Z nq wb‡Pi †KvbwU mwVK? K i I ii L i I iii


26. e¨vs‡Ki mv‡_ MÖvn‡Ki m¤úK© nq Kx‡mi? K Av¯’v I wek¦vm L wg_¨vi M Amr N Awek¦vm 27. †Kvb ai‡bi †P‡K bM` UvKv D‡Ëvjb Kiv

hvq bv? K evnK †PK L ûKzg †PK M `vMKvUv †PK N †PK 28. evsjv‡`k e¨vsK Kx `vwqZ¡ cvjb K‡i? K gy`ªvevRvi wbqš¿Y K‡i L AvgvbZ MÖnY M FY cÖ`vb N gybvdv AR©‡b 29. evsjv‡`k e¨vs‡Ki cÖavb †K? K Mfb©i L A_© mwPe M cwiPvjK N eë ’vcK 30. ivóªcwZi KZ bs Av‡`k Øviv evsjv‡`‡k

e¨vs‡Ki Kvh©µg ïiæ nq? K 120 bs Aa¨v‡`k L 127 bs Aa¨v‡`k M 132 bs Aa¨v‡`k N 141 bs Aa¨v‡`k



Self test


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1 M 2 N 3 L 4 K 5 L 6 K 7 L 8 L 9 N 10 M 11 L 12 K 13 L 14 N 15 M

16 M 17 K 18 K 19 L 20 M 21 N 22 K 23 M 24 K 25 N 26 K 27 M 28 K 29 K 30 L


AwaK Abykxj‡bi

gva¨‡g †miv cÖ¯‘wZi Rb¨

kxl©¯’vbxq ¯‹z‡ji wbe©vPwb cix¶vi cÖkœcÎ : m„Rbkxj

75 mvgmyj nK Lvb ¯‹zj GÛ K‡jR, XvKv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

[`ªóe¨ : Wvb cv‡ki msL¨v cÖ‡kœi c~Y©gvb ÁvcK| cÖ`Ë DÏxcK¸‡jv g‡bv‡hvMmnKv‡i co Ges mswkøó cÖ‡kœi DËi `vI| wdb¨vÝ Ask †_‡K Kgc‡ÿ wZbwU Ges e¨vswKs Ask †_‡K Kgc‡ÿ wZbwUmn †gvU mvZwU cÖ‡kœi DËi w`‡Z n‡e|]

K-Ask : wdb¨vÝ 1 Rbve Av`bvb GKRb ÿz`ª eëmvqx| wZwb AwR©Z gybvdv w`‡q eëmv

m¤úªmviY Ki‡Qb| Z‡e A_©vq‡bi bxwZ m¤ú‡K© Zvi aviYv bv _vKvq MZ wZb gv‡mi we`y¨r I cvwbi wej e‡Kqv i‡q‡Q| K. e¨q wm×v‡šÍi Aci bvg Kx? 1 L. wjwRs Kx? e¨vL¨v Ki| 2 M. Rbve Av`bvb †Kvb ai‡bi A_©vq‡bi mv‡_ m¤ú„³? eY©bv Ki| 3 N. A_©vq‡bi †Kvb bxwZi Afv‡e Zvi wej¸‡jv e‡Kqv n‡jv?

we‡kølY Ki| 4 2 5 eQi †gqvw` GKwU cÖK‡íi Avq nvi wb¤œiƒc :

7%, 8%, 9%, 0% I 20%

1g eQi 2% Avq nvi Avkv Kiv n‡qwQj| K. Av`k© wePz¨wZ wbY©q †Kvb ai‡bi c×wZ? 1 L. Af¨šÍixY Drm †_‡K †Kvb SzuwKi m„wó nq? e¨vL¨v Ki| 2 M. cÖKíwUi SzuwK cwigvc Ki| 3 N. 1g eQi Avq nvi 5% n«vm SzuwKi AšÍfz©³ wK bv? †Zvgvi

gZvgZ `vI| 4 3 Rbve mvBdvb 6 eQi ci 3 jÿ UvKv cvIqvi Avkvq wÎgvwmK

Pµe„w×‡Z 8 12% my‡` wKQz UvKv ’vbxq e¨vs‡K Rgv ivL‡jb| hw`

Zvi Kv‡Q Qq gvm AšÍi Pµe„w× 8.7% my‡ì weKí cÖ¯Íve wQj|

K. my‡hvM e¨q Kx? 1 L. Pµe„w× my` Kx? e¨vL¨v Ki| 2 M. mvBdvb KZ UvKv e¨vs‡K Rgv †i‡L‡Qb? 3 N. mvBdv‡bi wm×v‡šÍi †hŠw³KZv g~j¨vqb Ki| 4

4 4 eQi †gqvw` 2wU cÖK‡íi m¤¢ve¨ Avw_©K Ae ’v wb¤œiƒc : weµq (UvKvq)

cÖKí 1g eQi 2q eQi 3q eQi 4_© eQi

PjwZ e¨q weµ‡qi

¯’vqx e¨q

AePq Ki nvi

cÖZ¨vkv 40,00,000 60,00,000 90,00,000 70,00,000 30% 10 jÿ 25%

Avkv 30,00,000 65,00,000 80,00,000 95,00,000 25% 10 jÿ 20%

cÖv°wjZ wewb‡qvM 1 †KvwU UvKv| AePq mij îwLK c×wZ‡Z MYbv Kiv nq| K. g~jab ev‡RwUs †Kvb ai‡bi cÖwµqv? 1 L. evÆvi nvi Kx? e¨vL¨v Ki| 2 M. ÒcÖKí AvkvÓ Gi Mo gybvdvi nvi wbY©q Ki| 3 N. †Kvb cÖKíwU eR©b‡hvM¨? †Kb? 4

5 Rbve ZvivR Ggb GKwU Lv‡Z wewb‡qvM K‡i‡Qb hv †_‡K wZwb wbw`©ó nv‡i jf¨vsk cv‡eb| wbw`©ó †gqv` †k‡l wZwb Zv iƒcvšÍ‡ii gva¨‡g XvKv ÷K G·‡P‡Ä wewµ K‡i †`b| K. ivBU †kqvi Kx? 1 L. ÷K jf¨vsk Kx? e¨vL¨v Ki| 2 M. ZvivR †Kvb Lv‡Z wewb‡qvM K‡i‡Qb? eY©bv Ki| 3 N. ÒXvKv ÷K G·‡PÄÓ †Kvb ai‡bi evRvi? we‡kølY Ki| 4

6 Rbvev ¯^Y©v Ôe„wóÕ †Kv¤úvwbi 7% AMÖvwaKvi †kqvi 122 UvKvq µq K‡ib| wZwb ÔjvKxÕ †Kv¤úvwbi 10 UvKv wjwLZ g~‡jï mvaviY †kqvi 17 UvKvq µq K‡ib| †Kv¤úvwbwU G eQi Zv‡K 15% jf¨vsk w`‡q‡Q hv MZ eQ‡ii Zzjbvq 4% nv‡i e„w× †c‡q‡Q|

K. Kvg¨ FYbxwZ Kx? 1 L. msiwÿZ Av‡qi e¨q ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. ÔjvKxÕ †Kv¤úvwb †_‡K ¯^Y©v 8 eQi ci KZ UvKv jf¨vsk

cv‡e? 3 N. †Kvb †Kv¤úvwb‡Z wewb‡qvM K‡i ¯^Y©v jvfevb n‡q‡Qb? †Kb? 4

L-Ask : e¨vswKs 7 Ô¯cœÕ e¨vsK gybvdv AR©‡bi D‡Ï‡k¨ MÖvnK †_‡K AvgvbZ MÖnY I

FY cÖ`vb K‡i| MZ GK eQi Zviv m”Qjfv‡eB e¨vswKs eëmv cwiPvjbv KiwQj| wKš‘ G eQi Zviv MÖvnK‡ì AvgvbZ wdwi‡q w`‡Z wngwkg Lv‡”Q| K. evsjv‡`‡k †Kvb e¨vsK eë ’vi cÖPjb †bB? 1 L. L/C Kx? e¨vL¨v Ki| 2 M. Ô¯cœÕ e¨vsK †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. †Kvb bxwZ AbymiY bv Kivq e¨vsKwU AvgvbZ wdwi‡q w`‡Z

wngwkg Lv‡”Q| †Zvgvi gZvgZ `vI| 4 8 cÖ_g weevn evwl©Kx‡Z ZvRix‡Yi ¯^vgx Zv‡K 1 jÿ UvKvi GKwU

†PK w`j| †m †PKwU †Uwe‡ji Dci †i‡L ivbœvi Kv‡R gb †`q| NÈv Lv‡bK ci †m Zvi N‡i G‡m †`L‡jv †PKwU †bB| Kv‡Ri †Q‡jUv‡KI †m †Kv_vI †`L‡Q bv| K. e¨vs‡Ki Av‡qi cÖavb Drm Kx? 1 L. evwYwR¨K e¨vsK Kxfv‡e FY AvgvbZ m„wó K‡i? 2 M. ZvRix‡bi cÖvß †PKwU †Kvb ai‡bi? eY©bv Ki| 3 N. †Kvb †PK eënvi Ki‡j ZvRixb ÿwZi m¤§yLxb n‡Zb bv

e‡j Zzwg g‡b Ki? gZvgZ `vI| 4 9 ¯^bvgab¨ eëmvqx mvwR` wbqwgZ we‡`k mdi K‡ib| Ôm~h©Õ e¨vs‡K

Zvi †Kv‡bv wnmve bv _vK‡jI e¨vsK cÖ`Ë GKwU B-KvW© Av‡Q| wZwb Ôm~h©Õ e¨vs‡K GKwU wnmve †Lvjvi wPšÍv Ki‡Qb| K. PjwZ wnmv‡e my‡ì cwigvY KZ? 1 L. e¨vsK wnmve eÜ Kivi 2wU Dcvq †jL| 2 M. mvwR` †Kvb ai‡bi wnmve Lyj‡e? eY©bv Ki| 3 N. Ôm~h©Õ e¨vsK mvwR`‡K †Kvb KvW©wU w`‡q‡Q? we‡kølY Ki| 4

10 †QvU‡ejvq ¯^Y©v †`‡L‡Q Zvi `v`v Pv‡ji wewbg‡q Wvj, Kuv_vi e`‡j kvwo Avb‡Zv| wKš‘ GLb G¸‡jv Mí-GB †Zv †mw`b †m 1 nvRvi UvKvi cÖmvabx wK‡b Avb‡jv| K. evsjv‡`‡k KqwU we‡klvwqZ e¨vsK Av‡Q? 1 L. Kvi BwZnvm wewPÎ? e¨vL¨v Ki| 2 M. DÏxc‡K †Kvb cÖ_vi K_v ejv n‡q‡Q? eY©bv `vI| 3 N. cÖmvabx †KbvKvUvi gy`ªv Kx wn‡m‡e eën„Z n‡q‡Q? we‡kølY

Ki| 4 11 ÔKÕ bvgK iv‡óª nVvr K‡iB A_©‰bwZK Aw¯’iZv †`Lv †`q|

`ªe¨g~‡jï `vg û û K‡i evo‡Z _v‡K| ê‡`wkK gy`ªvi wecix‡Z †`kxq gy`ªvi gvb Kg‡Z _v‡K| GgZve¯’vq ÔgybÕ e¨vsK Ab¨vb¨ e¨vsK¸‡jvi Kvh©µ‡g cwieZ©b Av‡b Ges mivmwi evRv‡i n¯Í‡ÿc K‡i| K. evsjv‡`k e¨vsK KZ bs Av‡`‡k cÖwZwôZ nq? 1 L. wbKvk Ni Kx? e¨vL¨v Ki| 2 M. ÔgybÕ e¨vsK †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. †`‡ki A_©‰bwZK w ’wZkxjZv ˆZwi‡Z D³ e¨vs‡Ki Kvh©µg

g~j¨vqb Ki| 4


76 mwdDwÏb miKvi GKv‡Wgx GÛ K‡jR, MvRxcyi mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 GKRb gyw` †`vKvwb ˆ`bw›`b KvR cwiPvjbvi Rb¨ bM` A‡_©i

meUvB nv‡Z iv‡L, hvi Rb¨ †m wewb‡qvM †_‡K gybvdv cvq bv| K. A_©vqb weKv‡ki g~j PviYf‚wg †Kv_vq? 1 L. miKvwi A_©vq‡bi cÖwµqvwU e¨vL¨v Ki| 2 M. gywì †`vKvwb A_©vq‡bi †Kvb bxwZwU AbymiY K‡iwb? e¨vL¨v Ki| 3 N. Òeëmv‡qi mvwe©K mdjZvi Rb¨ A_©vq‡bi meKqwU bxwZ

AbymiY Kiv cÖ‡qvRb|Ó welqwU g~j¨vqb Ki| 4 2 gvwbK GKRb †emiKvwi e¨vsK Kg©KZ©v| wZwb cÖwZ gv‡m 80,000

UvKv †eZb cvb| wZwb 10 eQi ci GKwU d¬¨vU µ‡qi wm×všÍ †bb|

G D‡Ï‡k¨ wZwb 10,00,000 UvKv e¨vs‡K Rgv iv‡Lb| e¨vs‡Ki

gybvdvi nvi 10%|

K. mij my` Kx? 1 L. AvšÍtcÖevn ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. 10 eQi ci gvwbK e¨vsK n‡Z KZ UvKv cv‡e? 3 N. 10 eQi ci d¬¨vU wKb‡Z 75,00,000 UvKv cÖ‡qvRb n‡j

Zv‡K KZ UvKv e¨vs‡K Rgv ivL‡Z n‡e? 4 3 wg. nviæb ÒcÙv I †gNbvÓ `yBwU cÖK‡í Zvi g~jab wewb‡qvM

K‡i‡Qb| g~jab Ach©vßZvi Kvi‡Y wZwb GKwU cÖKí eÜ K‡i w`‡Z Pvb| cÖKí `yBwUi weMZ 5 eQ‡ii Avq nv‡ii weeiY wb¤œiæc :

cÖK‡íi bvg 2013 2014 2015 2016 2017

cÙv 12% 13% 6% 10% 9%

†gNbv 15% 12% 10% 8% 16%

K. `vq cwi‡kv‡ai AÿgZv †_‡K †Kvb SzuwKi m„wó nq? 1 L. SzuwKeûj Avq ej‡Z Kx †evS? 2

M. ÔcÙvÕ cÖK‡íi Av`k© wePz¨wZ wbY©q Ki| 3 N. wg. nviæ‡bi †Kvb cÖKíwU eÜ K‡i †Ìqv DwPZ e‡j Zzwg

g‡b Ki? 4 4 Bbvb †UªwWs 6,00,000 UvKvi Qvcv †gwkbvwi Avg`vwb K‡i|

†gwkb¸‡jv 5 eQi †gqvw` Ges Zv‡ì evwl©K AePq 1,20,000 UvKv| AvMvgx 5 eQi †gwkb¸‡jv †_‡K cÖvc¨ wbU gybvdv wb¤œiƒc :

eQi 1 2 3 4 5

wbU gybvdv 60,000 70,000 75,000 85,000 90,000

K. A_©vq‡bi mvd‡jï PvweKvwV †KvbwU? 1 L. cY¨ êwPÎ¨vqb Kx? †Kb Kiv nq? 2 M. Bbvb †UªwWs Gi Mo gybvdvi nvi wbY©q Ki| 3 N. Bbvb †UªwWs Gi †c-e¨vK mgq wbY©q Ki| 4

5 ABC †Kv¤úvwbi †gvU g~jab 500 †KvwU UvKv, hvi mvaviY †kqvi

300 †KvwU, 10% AMÖvwaKvi †kqvi 150 †KvwU Ges Aewkó 12%

FY g~jab| mvaviY †kqv‡ii wjwLZ g~j¨ 110 UvKv Ges evRvig~j¨

180 UvKv| †Kv¤úvwb G eQi cÖwZ †kqv‡i 20% jf¨vsk cÖ`vb K‡i

Ges Zv AZx‡Z 5% nv‡i e„w× †c‡q‡Q| Ki nvi 30%|

K. †m‡KÛvwi evRvi Kx? 1

L. k~b¨ jf¨vsk e„w× c×wZ ej‡Z Kx eyS? 2

M. ABC †Kv¤úvwbi mvaviY †kqvi e¨q wbY©q Ki| 3

N. †Kv¤úvwbi Mo g~jab e¨q wbY©q Ki| 4 6 wg‡mm gxg Zvi mwÂZ A_© †kqv‡i wewb‡qvM K‡ib| D³ †Kv¤úvwb

cÖ_gw`‡K jf¨vsk wn‡m‡e ÷K I bM` Dfq cÖ`vb Ki‡jI cieZ©x‡Z jf¨vs‡ki cwigvY Kwg‡q †`q| wZwb †kqvi †_‡K UvKv DwV‡q wbw`©ó Av‡qi Rb¨ Avw_©K evRvi wePvi-we‡kølY Ki‡Qb|

K. †Kvb ai‡bi †kqvi‡K cÖeZ©‡Ki †kqvi ejv nq? 1

L. eÛ I wW‡eÂv‡ii g‡a¨ `yBwU cv_©K¨ †jL| 2

M. wg‡mm gxg †Kvb ai‡bi †kqv‡i wewb‡qvM K‡ib? eY©bv Ki| 3

N. DÏxc‡Ki Av‡jv‡K wg‡mm gx‡gi Rb¨ jvfRbK LvZwU

we‡køl‡Y †Zvgvi gZvgZ `vI| 4

L-wefvM : e¨vswKs

7 wgjb Zvi eÜy‡ì mv‡_ Rv`yNi cÖ`k©bx‡Z wM‡qwQj| Rv`yN‡i Zviv

wewfbœ †`‡ki gy`ªv msiwÿZ †`L‡Z cvq| wgjb Zvi eÜy‡ì Rvbvj

Zvi evev e¨vsK †_‡K wewfbœ ai‡bi gy`ªv wb‡q Av‡m|

K. e¨vsK Kv‡K e‡j? 1

L. B-e¨vswKs Kx? e¨vL¨v Ki| 2

M. gy`ªv †hme KvR m¤úv`b K‡i †mme e¨vL¨v Ki| 3

N. gy`ªvi mv‡_ e¨vs‡Ki m¤úK© we‡kølY Ki| 4

8 e¨vswKs eëmvq M‡o I‡V A_©‡K †K›`ª K‡i Ges Zv cwiPvwjZ nq

MÖvnK‡K †K›`ª K‡i| MÖvnK‡ì cÖwZ h_vh_ `vwqZ¡ cvj‡bi gva¨‡g

gybvdv AR©b K‡i _v‡K|

K. BDBL-Gi c~Y©iƒc Kx? 1

L. e¨vswKs eëmvi g~jwfwË †KvbwU? e¨vL¨v Ki| 2

M. Òe¨vsK MÖvn‡Ki AwQÓ K_vwU e¨vL¨v Ki| 3

N. evsjv‡`‡ki A_©bxwZ‡Z e¨vswKs eëmvq KZUzKz Ae`vb

iv‡L? Av‡jvPbv Ki| 4

9 wg. nv‡mg GKRb eëmvqx| wZwb wm×všÍ wb‡jb †h, wZwb e¨vs‡K

GKwU wnmve Lyj‡eb| wZwb wewfbœ e¨vs‡K wM‡q Zv‡ì myweav m¤ú‡K©

aviYv †bb Ges cQ›`g‡Zv GKwU e¨vsK wnmve Lyj‡jb|

K. Gwb eª¨vÂ e¨vswKs Kx? 1

L. †Kvb B‡jKUªwbK e¨vswKs c‡Yï Rb¨ e¨vsK wnmve _vKvi

Avek¨KZv †bB? 2

M. wg. nv‡m‡gi Rb¨ †Kvb ai‡bi wnmve †Lvjv myweavRbK?

e¨vL¨v Ki| 3

N. e¨vsK wnmve †Lvjvi †ÿ‡Î we‡eP¨ welq Kx Kx? Av‡jvPbv

Ki| 4

10 wbkv` m‡PZb eëmvqx| GKw`b GK Kg©Pvixi KvQ †_‡K 1 jÿ

UvKvi GKwU †PK wQbZvB nq| wKš‘ wbkv` DwØMœ bq|

K. Mviwbwk AW©vi Kx? 1

L. wej †Kb evÆvKiY Kiv nq? 2

M. wbkv` †h †PK eënvi K‡iwQj Zvi aib e¨vL¨v Ki| 3

N. wbkv` †h †PK eënvi Kij G ai‡bi †PK †_‡K Kx Kx

myweav cvIqv hvq? we‡kølY Ki| 4

11 ÒPÓ e¨vs‡K Kg©iZ Rbve Kwig mv‡ne C‡ì Rb¨ e¨vsK †_‡K bZzb

UvKvi †bvU Zz‡j Avb‡j Zvi mvZ eQ‡ii †g‡q me UvKvi Dci

ÒKÓ e¨vs‡Ki bvg †jLv †Kb Zv Rvb‡Z Pvq|

K. †K›`ªxq e¨vsK †Kvb e¨vs‡Ki Kvh©vewj wbqš¿Y K‡i? 1

L. wbKvk Ni ej‡Z Kx †evSvq? 2

M. ÔKÕ e¨vsK Kx ai‡bi e¨vsK? e¨vL¨v Ki| 3

N. ÔPÕ e¨vs‡Ki Zvij¨ msK‡U ÔKÕ e¨vsK Kx f‚wgKv ivL‡e?

Av‡jvPbv Ki| 4


77 gwZwSj g‡Wj ¯‹zj GÛ K‡jR, XvKv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-Ask : wdb¨vÝ 1 wg‡mm mvwgqv GKwU cY¨ Drcv`bKvix †Kv¤úvwbi GKRb Avw_©K

eë ’vcK| wZwb cÖ_‡g †Kv¤úvwbi Znwej msMÖ‡ni Rb¨ †kqvi weµ‡qi eë ’v K‡ib| wØZxq †Kv¤úvwbi cY¨ Drcv`‡b mnvqZvi Rb¨ GKwU Kw¤úDUvi µ‡qi wm×všÍ †bb| K. miKvwi A_©vq‡bi g~j jÿ¨ Kx? 1 L. eëmv‡qi g~j PvwjKvkw³ Kx? e¨vL¨v Ki| 2 M. wg‡mm mvwgqvi cÖ_g wm×všÍwU †Kvb ai‡bi? e¨vL¨v Ki| 3 N. wg‡mm mvwgqvi wØZxq wm×všÍwU †Kv¤úvwbi Rb¨ KZUv

¸iæZ¡c~Y©? Av‡jvPbv Ki| 4 2 wg. mvBdzj 3,00,000 UvKv 5 eQ‡ii Rb¨ e¨vs‡K Rgv ivL‡Z

Pvb| Ômyigv e¨vsKÕ Zv‡K 7% nv‡i evwl©K Pµe„w× my‡ì cÖ¯Íve †`q Ges ÔAwbgv e¨vsKÕ Zv‡K 6% nv‡i 6 gvm AšÍi Pµe„w× my‡ì cÖ¯Íve †`q| K. A‡_©i mgqg~j¨ Kx? 1 L. my` Avm‡ji Dci †h my` cÖ`vb Kiv nq Zv‡K Kx e‡j?

e¨vL¨v Ki| 2 M. Rbve mvBdzj Ômyigv e¨vsKÕ G UvKv Rgv ivL‡j 5 eQi ci

KZ UvKv cv‡eb? 3 N. †Kvb e¨vs‡K UvKv Rgv ivLv mvBdz‡ji Rb¨ AwaK jvfRbK?

gšÍe¨ Ki| 4 3

eQi 2010 2011 2012 2013 2014

X cÖK‡íi Avq nvi 20% 6% 15% 23% 25%

Y cÖK‡íi Avq nvi 5% 15% 20% 24% 30%

K. cÖZ¨vkvi evB‡i †Kv‡bvwKQy NUvi m¤¢vebv‡K Kx e‡j? 1 L. Zvij¨ SzuwK Kxfv‡e m„wó nq? e¨vL¨v Ki| 2 M. 'X' cÖK‡íi Av`k© wePz¨wZ wbiƒcY Ki| 3 N. cÖKí `ywUi g‡a¨ †KvbwU AwaKZi MÖnY‡hvM¨? hyw³ †`LvI| 4

4 hgybv †UªwWs 5,00,000 UvKvi QvcvmsµvšÍ †gwkbvwi Rvcvb †_‡K Avg`vwb K‡i| †gwkb¸‡jv 5 eQi †gqvw` Ges Gi †_‡K cÖvc¨ wbU gybvdv wb¤œiƒc :

eQi 1 2 3 4 5

wbU gybvdv 50,000 60,000 70,000 75,000 80,000

K. g~jab ev‡RwUs-Gi mnR I RbwcÖq c×wZ †KvbwU? 1 L. Mo gybvdv nvi c×wZi mxgve×Zv-e¨vL¨v Ki| 2 M. hgybv †UªwWs-Gi Mo gybvdvi nvi wbY©q Ki| 3 N. hgybv †UªwWs-Gi †c-e¨vK mgq wbY©qc~e©K wm×všÍ †jL| 4

5 GKwU †Kv¤úvwbi †gvU g~ja‡bi g‡a¨ 4,00,000 UvKvi 10% FYcÎ, 6,00,000 UvKvi 12% AMÖvwaKvi †kqvi Ges 20,00,000 UvKvi mvaviY †kqvi| †Kv¤úvwbi cÖwZwU AMÖvwaKvi †kqv‡ii evRvig~j¨ 220 UvKv Ges cÖwZwU mvaviY †kqv‡ii evRvig~j¨ 300 UvKv| mvaviY †kqv‡ii †NvwlZ jf¨vsk 20 UvKv Ges AvMvgx‡Z e„w×i nvi 8%| K‡ii nvi 20% aiv n‡q‡Q| K. Kvg¨ FYbxwZ Kx? 1 L. wW‡eÂv‡ii RbwcÖqZvi KviY e¨vL¨v Ki| 2 M. FY g~jab, AMÖvwaKvi †kqvi g~jab Ges †kqvi g~ja‡bi

e¨‡qi nvi wbY©q Ki| 3 N. †Kv¤úvwbwUi Mo g~jab e¨q wbY©q Ki| 4

6 mygb I wigb `yB eÜy| Zv‡ì Kv‡Q Rgv‡bv wKQy UvKv Av‡Q| Zviv G UvKv wewb‡qvM Ki‡Z Pvb| mygb gybvdv Kg n‡jI Pvq SzuwKgy³ Avq Aciw`‡K wigb SzuwK †ewk n‡jI Pvq AwaK gybvdv|

K. wW‡eÂvi Kx? 1 L. mvaviY †kqvi wewb‡qvMKvixiv Kxfv‡e †Kv¤úvwb wbqš¿Y

K‡i? e¨vL¨v Ki| 2

M. myg‡bi Rb¨ †Kv_vq wewb‡qvM Kiv mgxPxb e‡j Zzwg g‡b Ki? 3

N. wigb †kqvi eëmv Ki‡Z PvB‡j †Kvb ai‡bi wewb‡qvM

Ki‡e? g~j¨vqb Ki| 4

L-wefvM : e¨vswKs

7 MÖvgxY e¨vsK AvR we‡k¦i Kv‡Q GK bv‡g cwiwPZ| `vwi`ª¨ we‡gvP‡b

e¨vsKwU e¨vsK †Kv¤úvwb AvB‡bi evB‡i GKwU we‡kl Aa¨v‡`‡k

MwVZ n‡qwQj| cÖPwjZ FY c×wZi evB‡i MÖvgxY e¨vsK RvgvbZgy³

F‡Yi cÖPjb NUvq hv gvB‡µv †µwWU wn‡m‡e cwiwPwZ jvf K‡i|

K. KvVv‡gvMZ †kÖwYweb¨v‡m e¨vsK Kq cÖKvi? 1

L. MÖæc e¨vswKs ej‡Z Kx †evSvq? 2

M. DÏxc‡K DwjøwLZ e¨vsKwU †Kvb ai‡bi? eY©bv Ki| 3

N. K…wlcÖavb evsjv‡`‡k DÏxc‡K DwjøwLZ e¨vsKwU MV‡bi

h_v_©Zv g~j¨vqb Ki| 4

8 ˆZwi †cvkvK eëmvqx Rbve Rvwn`‡K we‡`‡k †_‡K †mjvB †gwkb

Avg`vwb Ki‡Z nq| GRb¨ Zvi cÖZ¨qcÎ Lyj‡Z nq| †mB m‡½

Zvi wewbgq wej fvOv‡Z nq| Gme †ÿ‡Î Zv‡K mvnvh¨ K‡i

wbKUeZ©x †mvbvjx e¨vsK|

K. me‡P‡q wbivc` †PK †KvbwU? 1

L. ÒevwYwR¨K e¨vsK wewbg‡qi gva¨g m„wó K‡i|Ó e¨vL¨v Ki| 2

M. Rbve Rvwn` evwYwR¨K e¨vsK †_‡K eëmv‡qi Rb¨ †h mg¯Í

myweav¸‡jv †c‡Z cv‡ib Zv eY©bv Ki| 3

N. Òevsjv‡`‡ki A_©bxwZ‡Z evwYwR¨K e¨vsK¸‡jvi f‚wgKv

Ab¯xKvh©Ó e¨vL¨v Ki| 4

9 wg. †nv‡mb GKRb eëmvqx| wZwb wm×všÍ wb‡jb †h, wZwb e¨vs‡K

GKwU wnmve Lyj‡eb| wZwb wewfbœ e¨vs‡K wM‡q Zv‡ì myweav m¤ú‡K©

aviYv †bb Ges cQ›`g‡Zv GKwU e¨vsK wnmve Lyj‡jb|

K. e¨vsK wnmve Kx? 1

L. e¨vsK wnmve cÖavbZ KZ cÖKvi I Kx Kx? 2

M. wg. †nv‡m‡bi Rb¨ †Kvb ai‡bi wnmve †Lvjv myweavRbK

e¨vL¨v Ki| 3

N. e¨vsK wnmve †Lvjvi †ÿ‡Î we‡eP¨ welq Kx Kx? Av‡jvPbv Ki| 4

10 AvaywbK e¨vswKs A‡bK MwZkxj I m¤úÖmviYgyLx| bM` †jb‡`‡bi

cwie‡Z© †PK, wewbgq wej eënvi K‡i wbivc` I Sv‡gjvgy³

†jb‡`b m¤¢e n‡”Q|

K. †PK Kx? 1

L. evnK I ûKzg †P‡Ki cv_©K¨ †jL| 2

M. †P‡Ki gva¨‡g †jb‡`‡b myweav-Amyweav †iL| 3

N. e¨vswKs Kvh©µg‡K MÖvn‡Ki wbKU mnR I Kvh©Ki Ki‡Z Kx

Kx c`‡ÿc MÖnY Kiv †h‡Z cv‡i? gZvgZ `vI| 4

11 evsjv‡`k e¨vsK G‡`‡ki A_©bxwZ‡Z GKwU my „p I gReyZ wfwË

`v‡bi j‡ÿ¨ wbišÍi KvR K‡i hv‡”Q| bZzb bZzb e¨vswKs cY¨ I

†mev D™¢veb Ges †m¸‡jvi ev¯Íevq‡bi gva¨‡g Rbmvavi‡Yi

RxebhvÎvi gv‡bvbœq‡bI GwU f‚wgKv ivL‡Q|

K. evsjv‡`k e¨vs‡Ki cÖavb †K? 1

L. †K›`ªxq e¨vsK‡K e¨vsKmg~‡ni e¨vsKvi ejv nq †Kb? e¨vL¨v Ki| 2

M. evsjv‡`k e¨vs‡Ki D‡Ïk¨ Av‡jvPbv Ki| 3 N. †`‡ki A_©‰bwZK Dbœq‡b †K› ªxq e¨vs‡Ki f‚wgKv Av‡jvPbv Ki| 4


78 knx` exi DËg †jt Av‡bvqvi Mvj©m K‡jR, XvKv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 GKRb gyw` †`vKvwb ˆ`bw›`b KvR cwiPvjbvi Rb¨ bM` A‡_©i

meUvB nv‡Z iv‡L, hvi Rb¨ †m wewb‡qvM †_‡K gybvdv cvq bv| K. †Kvb mgq Drcv`b †KŠkj RwUj nq? 1 L. A_©vq‡bi me‡P‡q ¸iæZ¡c~Y© aib †KvbwU Ges †Kb? 2 M. gyw` †`vKvwb A_©vq‡bi †Kvb bxwZwU AbymiY K‡iwb? e¨vL¨v Ki| 3 N. Ôeëmv‡qi mvwe©K mdjZvi Rb¨ A_©vq‡bi meKqwU bxwZ

AbymiY Kiv cÖ‡qvRbÕ welqwU g~j¨vqb Ki| 4 2 wg. †iRvDj 5 eQi ci 1,00,000 UvKv cvIqvi Avkvq eZ©gv‡b

wKQy UvKv e¨vs‡K Rwg‡q ivL‡Z Pvb| RbZv e¨vsK Zv‡K evwl©K 10% nv‡i my` cÖ`v‡bi cÖ¯Íve w`‡q‡Q Ges WvP& evsjv e¨vsK Zv‡K 9% nv‡i gvwmK Pµe„w×i cÖ¯Íve w`‡q‡Q| K. EAR Gi c~Y©iƒc †jL| 1 L. evÆvKiY cÖwµqv Kx? e¨vL¨v Ki| 2 M. 5 eQi ci 1,00,000 UvKv cvIqvi Rb¨ wg. †iRvDj‡K

RbZv e¨vs‡K KZ UvKv Rgv w`‡Z n‡e? 3 N. †Kvb e¨vs‡K UvKv Rgv ivLv wg. †iRvD‡ji Rb¨ jvfRbK? e¨vL¨v Ki| 4

3 Rbve wecyj ixgv I mxgv bv‡g `ywU cÖK‡íi †h‡Kv‡bv GKwU‡Z 1,00,000 UvKv wewb‡qvM Ki‡Z Pvb| ixgv cÖK‡íi 5 eQ‡ii cÖv°wjZ Ki‡hvM¨ gybvdv h_vµ‡g 15,000 UvKv, 18,000 UvKv, 12,000 UvKv, 14,000 UvKv Ges 10,000 UvKv| Kinvi 10% Ges evwl©K AePq 20,000 UvKv| mxgv cÖK‡íi †c-e¨vK mgq 2.5 eQi| K. weµq †_‡K cÖwZôv‡b †Kvb cÖevn N‡U? 1 L. A_©vq‡bi mvd‡jï PvweKvwV Kx? e¨vL¨v Ki| 2 M. ixgv cÖK‡íi Mo gybvdvi nvi wbY©q Ki| 3 N. Rbve wecy‡ji cÖKí `ywUi g‡a¨ †KvbwU eR©b Kiv DwPZ?

hyw³mn Dc ’vcb Ki| 4 4 Ômyigv wj.Õ-Gi †gvU g~jab 10,000 jÿ UvKv| mvaviY †kqvi e¨q

15% FYc‡Îi e¨q 10% Ges AMÖvwaKvi †kqv‡ii jf¨vs‡ki nvi 10%| †gvU g~ja‡bi wewfbœ Dr‡mi ¯Íi web¨vm wb¤œiƒc :

Drm cwigvY (UvKv) mvaviY †kqvi 5,00,000 AMÖvwaKvi †kqvi 3,00,000 FYcÎ 2,00,000

cÖwZwU AMÖvwaKvi †kqv‡ii wjwLZ g~j¨ I evRvig~j¨ h_vµ‡g 100 UvKv I 120 UvKv| †Kv¤úvwbi K‡ii nvi 30%| K. g~jab e¨q Kx? 1 L. msiwÿZ Av‡qi e¨q †bB †Kb? e¨vL¨v Ki| 2 M. AMÖvwaKvi †kqvi e¨q I FYc‡Îi e¨q wbY©q Ki| 3 N. Ômygbv wj.Õ-Gi Mo g~jab e¨q wbY©q Ki| 4

5 ÔwgwgÕ Mv‡g©›U‡mi gvwjK iv‡mj Avn‡g` cÖwZeQi †h cwigvY gybvdv AR©b K‡ib Zvi GKwU Ask †kqvi‡nvìvi‡ì g‡a¨ eÈb bv K‡i msiÿY K‡ib| eëmvq m¤úÖmviY Kivi wm×všÍ †bIqvq Zvi cÖPzi g~ja‡bi cÖ‡qvRb nq| wKš‘ Zvi wbR¯ g~jab bv _vKvq eëmvq m¤úÖmvi‡Y †emiKvwi cÖwZôvb¸‡jvi kiYvcbœ nb| K. evwYwR¨K cÎ Kx? 1 L. hš¿cvwZ µq bv K‡iI Zv fvovi wewbg‡q eënvi Kiv hvq

Kxfv‡e? e¨vL¨v Ki| 2 M. ÔwgwgÕ Mv‡g©›Um gybvdv msiÿ‡Yi gva¨‡g †Kvb ai‡bi

Znwe‡ji m„wó K‡i‡Q? e¨vL¨v Ki| 3 N. eëmvq m¤úÖmvi‡Yi †ÿ‡Î iv‡mj Avn‡g`‡K †emiKvwi

cÖwZôvb¸‡jv Kx ai‡bi mnvqZv cÖ`vb K‡i Zv g~j¨vqb Ki| 4 6 m¤úÖwZ nvwbd mv‡ne eëmvq Kivi D‡Ï‡k¨ e¨vsK †_‡K 10% my‡`

10 jÿ UvKv FY wb‡q‡Qb| kZ©g‡Z Zv‡K cÖwZ 4 gvm AšÍi my` cwi‡kva Ki‡Z n‡e| nvwbd mv‡n‡ei 2wU cÖK‡í wewb‡qv‡Mi my‡hvM Av‡Q| X cÖKí †_‡K AvMvgx eQ‡ii m¤¢ve¨ Av‡qi nvi h_vµ‡g 20%, 15%, 10%, 5% Ges 25%| Ab¨w`‡K Y cÖK‡íi AvMvgx 5 eQ‡ii m¤¢ve¨ Mo Avq 15% Ges Av`k© wePz¨wZ 14.20%|

K. †Kvb Avq me‡P‡q SzuwKeûj? 1 L. SzuwKgy³ Avq ej‡Z Kx †evS? e¨vL¨v Ki| 2 M. Av`k© wePz¨wZ wbY©q GKwU cÖK‡íi Rb¨ ¸iæZ¡c~Y© †Kb?

Av‡jvPbv Ki| 3 N. SzuwK we‡ePbvq nvwbd mv‡n‡ei †Kvb cÖKíwU MÖnY Kiv

DwPZ? †Zvgvi gZvgZ `vI| 4 L-wefvM : e¨vswKs

7 A_©‡K †K›`ª K‡i e¨vswKs eëmvq M‡o I‡V Ges Zv cwiPvwjZ nq MÖvnK‡K †K›`ª K‡i| e¨vsK MÖvn‡Ki cÖwZ h_vh_ `vwqZ¡ cvj‡bi gva¨‡g gybvdv AR©b K‡i _v‡K| K. e¨vsK MÖvnK‡K KLb UvKv †diZ †`q? 1 L. e¨vswKs eëmv‡qi g~jwfwË †KvbwU? e¨vL¨v Ki| 2 M. DÏxc‡Ki Av‡jv‡K MÖvn‡Ki cÖwZ e¨vs‡Ki `vwqZ¡ eY©bv Ki| 3 N. Zzwg wK g‡b Ki Ôe¨vsK I MÖvn‡Ki g‡a¨ we`¨gvb mym¤úK©B

A_©‰bwZK Dbœq‡bi nvwZqvi?Õ we‡kølY Ki| 4 8 Rbve gvnxb GKRb `ÿ eëmvqx| wZwb mvaviYZ bM‡` cY¨

†Kbv‡ePv K‡ib| eëmv‡qi AvqZb †e‡o hvIqvq m¤úÖwZ cY¨ µq-weµq Ki‡Z wM‡q Zv‡K eo A‡¼i UvKv enb Ki‡Z nq| G‡Z wZwb wbivcËvnxbZvq †fv‡Mb| ZvB wZwb e¨vs‡K GKwU wnmve †Lvjvi K_v fve‡Qb| K. ATM Gi c~Y©iƒc Kx? 1 L. †Kvb †PK AwaKZi wbivc`? e¨vL¨v Ki| 2 M. Rbve gvnx‡bi Rb¨ †Kvb ai‡bi e¨vsK wnmve †Lvjv Dc‡hvMx

n‡e? eY©bv Ki| 3 N. Ôe¨vsK Rbve gvnx‡biÕ g‡Zv eëmvqx‡ì KvR A‡bK mnR

K‡i †`q|Õ Dw³wU g~j¨vqb Ki| 4 9 cÖvPxbKv‡j gvby‡li Pvwn`v wQj Lye mxwgZ| ZLb gvbyl GKwU `ªe¨

w`‡q Av‡iKwU `ªe¨ MÖnY KiZ| cieZ©x‡Z D³ cÖ_vi wewfbœ mgm¨vi Kvi‡Y gy`ªvi Avwef©ve nq| gy`ªv cÖPj‡bi ci ciB e¨vsK eë ’vi cÖ‡qvRbxqZv †`Lv †`q| gy`ªv Qvov †hgb e¨vsK Pj‡Z cv‡i bv, †Zgwb e¨vsK Qvov gy`ªvi eënvi mxwgZ| K. gy`ªv Kx? 1 L. LC Kx? e¨vL¨v Ki| 2 M. DÏxc‡Ki cÖvPxbKv‡j eën„Z cÖ_vwUi mgm¨v¸‡jv e¨vL¨v Ki| 3 N. gy`ªv Qvov †hgb e¨vsK Pj‡Z cv‡i bv, †Zgwb e¨vsK Qvov gy`ªv

eënvi mxwgZ evK¨wUi Av‡jv‡K gy`ªv I e¨vs‡Ki m¤úK© we‡kølY Ki| 4

10 ˆZwi †cvkvK eëmvqx widvZ †Kvwiqvb †Kv¤úvwb n‡Z wKQy hš¿cvwZ †Kbvi wm×všÍ †bb| GB Rb¨ Ôiƒcgv e¨vsKÕ †Kvwiqvb †Kv¤úvwb mvbweg †Kv¤úvwb‡K cÖ‡qvRbxq A_© cwi‡kv‡ai wbðqZv †`q| Aciw`‡K ivnvZ bvgK GKRb MÖvnK D³ e¨vs‡Ki Kv‡Q F‡Yi Av‡e`b Ki‡j cÖ‡qvRbxq `wjj wVK bv _vKvq e¨vsKwU FY`v‡b Am¤§wZ Rvbvq| ZvQvov Ôiƒcmv e¨vsKÕ `yBRb MÖvn‡Ki †P‡Ki A_© cwi‡kv‡a e¨_© nq| K. jKvi fvov Kx? 1 L. evwn¨K Drm wn‡m‡e Avgvb‡Zi ¸iæZ¡ e¨vL¨v Ki| 2 M. DÏxc‡Ki widv‡Zi hš¿cvwZ mn‡hvwMZvq Ôiƒcmv e¨vs‡KiÕ

m¤úvw`Z KvRwU e¨vL¨v Ki| 3 N. e¨vsK bxwZi Av‡jv‡K DÏxc‡Ki iƒcmv e¨vs‡Ki Kvh©µg

we‡kølY Ki| 4 11 ÔKÕ e¨vsK ÔLÕ e¨vs‡Ki FY wbqš¿Y, bZzb kvLv †Lvjvi Aby‡gv`b,

wnmvecÎ cixÿv I FY Av`v‡q mnvqZv K‡i _v‡K| ÔLÕ e¨vsK Avw_©K msK‡U co‡j ÔKÕ e¨vs‡Ki kiYvcbœ nq| K. e¨vsK I MÖvn‡Ki m¤úK© Kx‡mi? 1 L. ûKzg †PK ej‡Z Kx †evSvq? 2 M. ÔKÕ e¨vs‡Ki Kvh©vewj we‡kølY Ki| 3 N. ÔLÕ e¨vs‡Ki A_© msK‡U ÔKÕ e¨vs‡Ki kiYvcbœ nIqvi



79 gvBj‡÷vb K‡jR, XvKv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 wg. b~i †nv‡mb I Zvi K‡qKRb eÜy wg‡j Askx`vwi gvwjKvbvq Ôevsjv

evRviÕ bv‡g GKwU wWcvU©‡g›Uvj †÷vi cwiPvjbv Ki‡Qb| wZwb eëmvi †ÿ‡Î bM` A_© I gybvdvi g‡a¨ wecixZ m¤úK© m¤‡Ü m‡PZb| GQvovI wZwb wWcvU©‡g›Uvj †÷v‡i wewfbœ ai‡bi cY¨ ivLvi gva¨‡g SzuwK n«v‡mi Ici †ewk †Rvi †`b| K. †Kvb A_©vq‡b Av‡qi Zzjbvq e¨q †ewk n‡Z cv‡i? 1 L. wewb‡qvM wm×všÍ ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. wg. b~i †nv‡m‡bi bM` A_© I gybvdvi g‡a¨ wecixZ m¤úK© m¤‡Ü

m‡PZbZv A_©vq‡bi †Kvb bxwZi AšÍM©Z? eY©bv Ki| 3 N. ÒwWcvU©‡g›Uvj †÷v‡i wewfbœ ai‡bi cY¨ ivL‡j SzuwK n«vm cvqÓ

DÏxc‡Ki Av‡jv‡K g~j¨vqb Ki| 4 2 Rbve mv`gvb 10 eQi ci 8,00,000 UvKv cvevi Avkvq eZ©gv‡b wKQy UvKv

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MvwYwZKfv‡e e¨vL¨v Ki| 4 3 wg. mvgv` GKRb wewb‡qvMKvix| 5 eQi Av‡M wZwb mgcwigvY g~jab mwb

wj. I wm½vi wj.-Gi †kqv‡i wewb‡qvM K‡ib| wZwb cybivq g~jab wewb‡qv‡Mi R‡b¨ G `ywU †Kv¤úvwbi e¨vcv‡i wPšÍv-fvebv Ki‡Qb| weMZ 5 eQ‡i †Kv¤úvwb ywU n‡Z Zvi cÖvß Avq nvi wb¤œiƒc :

mvj mwb wj.-Gi

†kqv‡ii Avq nvi wm½vi wj.-Gi †kqv‡ii

Avq nvi 2014 10% 16% 2015 12% 10% 2016 8% 6% 2017 13% 12% 2018 7% 6%

K. weµ‡qi cwigvY n«vm †Kvb SzuwKi m„wó K‡i? 1 L. Zvij¨ SzuwK ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. mwb wj.-Gi †kqv‡i wewb‡qvM †Kvb ai‡bi wewb‡qv‡Mi AšÍfz©³? eY©bv Ki| 3 N. cybivq wewb‡qv‡Mi †ÿ‡Î wg. mvgv` †Kvb †Kv¤úvwbi †kqvi‡K

cÖvavb¨ w`‡eb? DË‡ii mc‡ÿ hyw³ `vI| 4 4 nvwg` G›UvicÖvBR wUwf Drcv`bKvix cÖwZôvb| Zv‡ì nv‡Z cÙv I kvcjv

bv‡gi `ywU wewb‡qvM cÖKí i‡q‡Q| wewb‡qv‡Mi †ÿ‡Î nvwg` G›UvicÖvBR mwVK g~jab ev‡RwUs bxwZ AbymiY K‡i _v‡K| `ywU cÖK‡íi †gqv` 3 eQi Ges wewb‡qvM 12 jÿ UvKv| Ab¨vb¨ Avw_©K Z_¨ wb¤œiƒc :

cÖKí-cÙv cÖKí-kvcjv UvKv UvKv weeiY

1g eQi 2q eQi 3q eQi 1g eQi 2q eQi 3q eQi AePq I Kic~e© Avq 5,20,000 5,50,000 5,10,000 5,10,000 5,90,000 5,60,000

AePq 4,00,000 4,00,000 Ki nvi 40% 40% K. g~jab ev‡RwUs †Kvb wm×v‡šÍi mv‡_ RwoZ? 1 L. g~jab ev‡RwUs cÖwµqvi evÆv nvi wba©vi‡Yi ¸iæZ¡ e¨vL¨v Ki| 2 M. cÖKí kvcjvi Mo gybvdvi nvi wbiƒcY Ki| 3 N. nvwg` G›UvicÖvBR wewb‡qv‡Mi Rb¨ †Kvb cÖKíwU MÖnY Ki‡e?

†Zvgvi DË‡ii c‡ÿ hyw³ `vI| 4 5 Rbmb †Kv¤úvwbi †gvU g~jab 50 jÿ UvKv hvi, 30 jÿ UvKv mvaviY

†kqvi, 10 jÿ UvKv 15% AMÖvwaKvi †kqvi Ges 10 jÿ UvKv FY g~jab| †Kv¤úvwbi mvaviY †kqv‡ii AwfwnZ g~j¨ 100 UvKv| †Kv¤úvwbi mvaviY †kqv‡ii evRvig~j¨ 150 UvKv| †Kv¤úvwbi F‡Yi e¨q 14% Ges Ki nvi 40%| PjwZ eQi †Kv¤úvwb †kqvi cÖwZ 13 UvKv jf¨vsk †NvlYv K‡i Ges hv 8% nv‡i e„w× cv‡e| K. bM` jf¨vsk Kv‡K e‡j? 1 L. g~jab e¨‡qi ¸iæZ¡ eY©bv Ki| 2 M. Rbmb †Kv¤úvwbi mvaviY †kqvi e¨q wbY©q Ki| 3 N. Rbmb †Kv¤úvwbi Mo g~jab e¨q wbY©q Ki| 4

6 iwK I Rwb `yRb †Rgm WvqgÛ wj. †Kv¤úvwbi †kqv‡i wewb‡qvMKvix| iwK D³ †Kv¤úvwbi 150wU mvaviY †kqvi Ges Rwb 12% nv‡i 200wU AMÖvwaKvi †kqvi µq K‡ib| 2018 mv‡j D³ †Kv¤úvwb 15% gybvdv AR©b K‡i, hv Zv‡ì Kvw•ÿZ jÿ¨gvÎv †_‡K 10% Kg| G eQ‡i †Kv¤úvwbwU Rwb‡K Zvi `vwe wgUv‡jI iwK‡K †Kv‡bv jf¨vsk cÖ`vb K‡iwb| K. †kqvi evRv‡ii mvwe©K Ae ’v †evSvi Rb¨ Kx eënvi Kiv nq? 1 L. jf¨vsk cÖ`v‡bi Dcvq ywU e¨vL¨v Ki| 2 M. iwK †Rgm WvqgÛ wj.-Gi †Kv‡bv jf¨vsk cvqwb †Kb? eY©bv Ki| 3 N. †Rgm WvqgÛ wj. Rwbi `vwe wgUv‡bvi †hŠw³KZv Zz‡j ai| 4

L-wefvM : e¨vswKs 7 ÔBDwbqbÕ e¨vsK êa Aby‡gv`b wb‡q 2015 mv‡j MwVZ nq| wg. igRvb H e¨vs‡K

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Rvbv‡Z AcviMZv cÖKvk K‡i †Kb? e¨vL¨v Ki| 3 N. wg. igRvb‡K eÜwK FY †Ìqv BDwbqb e¨vs‡Ki c‡ÿ hyw³m½Z

n‡e wKbv g~j¨vqb Ki| 4 8 mvZÿxivi Rbve Bgivb GKRb eëmvqx| wZwb Zvi eëmvwqK Kvh©vewj

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9 †gNbv e¨vsK `xN©w`b Av ’vi mv‡_ eëmvq K‡i Avm‡Q| m¤úÖwZ AwZgvÎvq `xN©‡gqvw` FY cÖ`vb I wewfbœ cÖK‡í wewb‡qvM Kivi d‡j AvgvbZKvix‡ì RgvK…Z UvKv cwi‡kva Ki‡Z mgm¨v n‡”Q| †gNbv e¨vs‡Ki cwiPvjbv cl©` mgm¨vi mgvav‡b m¤¢ve¨ Dcvqmg~n wb‡q ch©v‡jvPbv Ki‡Qb| K. e¨vs‡Ki Av‡qi cÖavb LvZ †KvbwU? 1 L. evwYwR¨K e¨vsK Kxfv‡e wewbg‡qi gva¨g m„wó K‡i? e¨vL¨v Ki| 2 M. hgybv e¨vsK †Kvb bxwZ AbymiY bv Kivq AvgvbZKvix‡ì RgvK…Z

A_© cwi‡kva Ki‡Z e¨_© n‡”Q? eY©bv Ki| 3 N. †gNbv e¨vs‡Ki mgm¨v mgvav‡bi m¤¢ve¨ Dcvqmg~n we‡kølY Ki| 4

10 wg. AvwkK Zvi cvIbv`vi Rbve KvRj‡K wb‡¤œv³ †PKwU cÖ`vb K‡ib| Rbve KvRj †PKwU 30/09/2019 Zvwi‡L e¨vs‡K Dc ’vcb K‡ib| wKš‘ e¨vsK †P‡Ki UvKvi Rb¨ 3 Kvh© wèm c‡i †hvMv‡hvM Ki‡Z e‡j|

AvgvRvb e¨vsK wj. B/O Road, Dhaka

ZvwiL : 29-09-2019 †PK .....20000552.... cÖ`vb Kiæb .............. Rbve KvRj ........... ........ ev Bearer bq jÿ UvKv gvÎ| .............................................

UvKv : AvwkK ¯vÿi

9,00,000/-

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n‡q‡Q? eY©bv Ki| 3 N. cÙv e¨vsK Kxfv‡e †`‡ki A_©‰bwZK Dbœq‡b f‚wgKv ivL‡Z cv‡i?

DÏxc‡Ki Av‡jv‡K g~j¨vqb Ki| 4


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K-wefvM : wdb¨vÝ 1 Rbve bvw`g GKwU cY¨ Drcv`bKvix †Kv¤úvwbi GKRb Avw_©K

eë ’vcK| wZwb cÖ_‡g †Kv¤úvwbi Znwej msMÖ‡ni Rb¨ †kqvi wewµi eë ’v K‡ib| wØZxqZ †Kv¤úvwbi cY¨ Drcv`‡b mnvqZvi Rb¨ GKwU Kw¤úDUvi †Kbvi wm×všÍ †bb| K. miKvwi A_©vq‡bi g~j jÿ¨ Kx? 1 L. eëmv‡qi g~j PvwjKvkw³ Kx? e¨vL¨v Ki| 2 M. Rbve bvw`‡gi cÖ_g wm×všÍwU †Kvb ai‡bi? eY©bv Ki| 3 N. Rbve bvw`‡gi †Kv¤úvwbi Rb¨ wØZxq wm×všÍwUi ¸iæZ¡ we‡kølY Ki| 4

2 Rbve myigvb 3,00,000 UvKv 5 eQ‡ii Rb¨ e¨vs‡K Rgv ivL‡Z Pvb| †mvbvjx e¨vsK Zv‡K 7% nv‡i evwl©K Pµe„w× my‡ì cÖ¯Íve †`q Ges AMÖYx e¨vsK Zv‡K 6% nv‡i 6 gvm AšÍ‡i Pµe„w× my‡ì cÖ¯Íve †`q| K. A‡_©i mgqg~j¨ Kx? 1 L. my` Avm‡ji Ici †h my` cÖ`vb Kiv nq Zv‡K Kx e‡j?

e¨vL¨v Ki| 2 M. Rbve myigvb †mvbvjx e¨vs‡K UvKv Rgv ivL‡j 5 eQi ci

KZ UvKv cv‡eb? 3 N. †Kvb e¨vs‡K UvKv Rgv ivLv Zvi Rb¨ AwaK jvfRbK?

we‡kølY Ki| 4 3 Rbve AvwZK 5 eQi Av‡M cÖKí A I B bvgK `yBwU cÖK‡í A_©

wewb‡qvM K‡ib| cÖKí `yBwU †_‡K 5 eQ‡i cÖvß Av‡qi nvi wb¤œiƒc :

cÖKí eQi-1 eQi-2 eQi-3 eQi-4 eQi-5 A 10% 12% 18% 14% 11% B 9% 14% 21% 8% 13%

wZwb GKwU cÖKí eÜ K‡i w`‡Z Pvb| K. †KvbwU †_‡K SzuwKi m„wó nq? 1 L. cwiPvjbv LiP cwi‡kv‡ai AÿgZv †_‡K m„ó SzuwKwU e¨vL¨v Ki| 2 M. A cÖK‡íi Av`k© wePz¨wZ wbY©q Ki| 3 N. Rbve AvwZ‡Ki †Kvb cÖKíwU eÜ K‡i †Ìqv DwPZ? we‡kølY Ki| 4

4 Rbve Kvgvj A I B bv‡g `ywU cÖK‡íi †h‡Kv‡bv GKwU‡Z 1,00,000 UvKv wewb‡qvM Ki‡Z Pvb| A cÖK‡íi 5 eQ‡ii cÖv°wjZ µq‡hvM¨ gybvdv h_vµ‡g 15,000 UvKv; 18,000 UvKv; 12,000 UvKv; 14,000 UvKv Ges 10,000 UvKv| Ki nvi 10% Ges evwl©K AePq 20,000 UvKv| B cÖK‡íi †c-e¨vK mgq 2.5 eQi| K. weµq †_‡K cÖwZôv‡b †Kvb cÖevn N‡U? 1 L. A_©vq‡bi mvd‡jï PvweKvwV Kx? e¨vL¨v Ki| 2 M. A cÖK‡íi Mo gybvdvi nvi wbY©q Ki| 3 N. Rbve Kvgv‡ji cÖKí `ywUi g‡a¨ †KvbwU eR©b Kiv DwPZ?

hyw³mn Dc ’vcb Ki| 4 5 myigv †Kv¤úvwb wj. 10 kZvsk AMÖvwaKvi †kqvi Bmy¨ K‡i| cÖwZwU

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cv‡i Zvn‡j D³ †Kv¤úvwbi †kqvi e¨‡q wK †Kv‡bv cv_©K¨ n‡e? wm×všÍ `vI| 4

6 Ki‡Zvqv wj.-Gi PjwZ eQ‡ii gybvdv Kg nIqv m‡Ë¡I MZ eQ‡ii AwR©Z gybvdv †_‡K jf¨vsk †NvlYv K‡ib| AvMvgx eQ‡i GKwU bZzb KviLvbv ’vcb Kivi j‡ÿ¨ 20,00,000 UvKv e¨vsK †_‡K `yB eQi ci cwi‡kv‡ai k‡Z© FY MÖnY K‡ib|

K. evwYwR¨K cÎ Kv‡K e‡j? 1 L. cÖwZôvb KLb gRy` cY¨ eënvi ev wewµ Ki‡Z cv‡i bv?

e¨vL¨v Ki| 2 M. Ki‡Zvqv wj. jf¨vsk cÖ`v‡b Af¨šÍixY †Kvb Drm eënvi

K‡ib? e¨vL¨v Ki| 3 N. Ki‡Zvqv wj.-Gi A_©vq‡bi Drm wbe©vP‡b we‡eP¨ welq

g~j¨vqb Ki| 4 L-wefvM : e¨vswKs

7 wewkó eëmvqx Rbve mvwKe e¨vsK †_‡K UvKv D‡Ëvj‡bi D‡Ï‡k¨ ¯^vÿiK…Z GKwU †PK fzjekZ Zvi †Uwe‡ji Wªqv‡i †i‡L evB‡i hvb| Zvi evwoi PvKi †PKwU †c‡q wbw`©ó e¨vs‡K Rgv w`‡j e¨vsK mv‡_ mv‡_ UvKv cwi‡kva K‡i| Gi d‡j cieZ©x‡Z †P‡Ki gva¨‡g †jb‡`‡bi †ÿ‡Î wbivcËvi K_v wPšÍv-fvebv Ki‡Qb| K. Mviwbwk AW©vi Kx? 1 L. †WweU KvW© Kx? e¨vL¨v Ki| 2 M. Rbve mvwK‡ei ¯^vÿiK…Z †PKwU †Kvb ai‡bi †PK wQj? eY©bv Ki| 3 N. Rbve mvwK‡ei †P‡Ki gva¨‡g †jb‡`‡bi †ÿ‡Î wbivcËvi

Rb¨ †Kvb ai‡bi †PK m‡e©vËg e‡j g‡b Ki? hyw³ `vI| 4 8 Rbve iv‡mj GKRb eëmvqx| m¤úÖwZ Zvi eëmv‡qi AvqZb †e‡o

hvIqvq Zv‡K wewfbœ mgq eo A‡¼i UvKv enb Ki‡Z nq| ZvB wZwb e¨vs‡K GKwU wnmve †Lv‡jb| K. e¨vswKs eëmv‡q wjß e¨w³‡K Kx e‡j? 1 L. †Kvb e¨vsK‡K F‡Yi †kl AvkÖq ’j ejv nq? e¨vL¨v Ki| 2 M. Rbve iv‡mj †Kvb ai‡bi e¨vsK wnmve †Lv‡jb? e¨vL¨v Ki| 3 N. Rbve iv‡m‡ji e¨vsK wnmve †Lvjvi †hŠw³KZv g~j¨vqb Ki| 4

9 hgybv e¨vsK RbM‡Yi mwÂZ A_© Rgv iv‡L Ges cÖ‡qvR‡b FY w`‡q _v‡K| †`k I we‡`‡ki eëmvq-evwY‡Rï Dbœq‡b G e¨vsKwU f‚wgKv iv‡L| GQvovI †`‡ki wewfbœ AÂ‡j G e¨vs‡Ki kvLv i‡q‡Q| K. evwYwR¨K e¨vs‡Ki Av‡qi cÖavb Drm Kx? 1 L. cÖZ¨qcÎ Kx? e¨vL¨v Ki| 2 M. Kvh©wfwËK †kÖwYKiY Abyhvqx hgybv e¨vsK †Kvb ai‡bi

e¨vsK? e¨vL¨v Ki| 3 N. RbM‡Yi †mev`v‡bi gva¨‡g DÏxc‡Ki e¨vsKwU †`‡ki A_©‰bwZK

Dbœq‡b A‡bK KvR Ki‡Q| KvR¸‡jvi weeiY `vI| 4 10 †gNbv e¨vsK gybvdv AR©‡bi D‡Ï‡k¨ A‡_©i eëmvqx wnmv‡e

AvZ¥cÖKvk K‡i, Rš§jMœ †_‡KB G e¨vsK †K›`ªxq e¨vs‡Ki hveZxq wbqgKvbyb †g‡b P‡j, m¤úÖwZ A_©‰bwZK g›`vi Kvi‡Y MÖvn‡Ki Pvwn`v †gUv‡Z †K›`ªxq e¨vs‡Ki Kv‡Q mvnvh¨ Pvq| K. Avw_©K m”QjZvi Afv‡e e¨vsK Kx n‡Z cv‡i? 1 L. BRviv Kx? eY©bv Ki| 2 M. †K›`ªxq e¨vsK‡K F‡Yi †kl AvkÖq¯’j ejv nq †Kb? eY©bv Ki| 3 N. †K›`ªxq e¨vsK wK †gNbv e¨vs‡K mvnvh¨ Ki‡e? hyw³mn

gZvgZ `vI| 4 11 gvby‡li A_©‰bwZK Kg©Kv‡Ði avivevwnKZvq gy`ªvi e¨vcK cÖmvi N‡U

Ges gy`ªvi cÖPjb I mÂvj‡bi Rb¨ e¨vs‡Ki D™¢e nq| e¨vsK I e¨vsKv‡ii g‡a¨ e¨vswKs Kvh©vewj cwiPvwjZ nq, Z‡e e¨vsK eëmv‡qi cÖavb Dcv`vb gy`ªv| K. †Kvb kZvãx‡Z KvMwR gy`ªvi cÖPjb nq? 1 L. B-e¨vswKs Kx? e¨vL¨v Ki| 2 M. e¨vswKs I e¨vsKv‡ii Kv‡Ri m¤úK© DÏxc‡Ki Av‡jv‡K eY©bv Ki| 3

N. Ôgy`ªvB e¨vsK eëmv‡qi cÖavb Dcv`vbÕ DÏxc‡Ki Av‡jv‡K we‡kølY Ki| 4


81 we G Gd kvnxb K‡jR, XvKv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 jveY¨ †UªWv‡m©i cÖwZwU‡Z 80,000 UvKv wewb‡qvM Kiv hvq Ggb

3wU cÖKí i‡q‡Q| Rbve mygb Zuvi 1,70,000 UvKv wewb‡qv‡Mi Rb¨ 3wU cÖKíB ch©v‡jvPbv K‡ib| AvMvgx 4 eQ‡i cÖKí-1 n‡Z h_vµ‡g 25,000 UvKv, 45,000 UvKv, 25,000 UvKv Ges 40,000 UvKv bM` cÖevn cvIqv hv‡e Ges Mo gybvdvi nvi 11%| cÖKí-2 Gi Mo wbU gybvdv 3,800 UvKv| cÖKí-3 Gi Kic~e© wbU gybvdv h_vµ‡g 2,400 UvKv, 7,500 UvKv, 9,200 UKv I 2,500 UvKv| Ki nvi 30%| K. †c-e¨vK mgq Kx? 1 L. g~jab ev‡RwUs cÖwµqvq 1g avcwU e¨vL¨v Ki| 2 M. DÏxc‡Ki Av‡jv‡K cÖKí-1 Gi †c-e¨vK mgq wbY©q Ki| 3 N. Mo gybvdvi nv‡ii wfwË‡Z Rbve myg‡bi Rb¨ wewb‡qvM

mycvwik Ki| 4 2 Rbve iv‡mj 5 eQi c~‡e© ÔKve¨Õ I ÔmvwnZ¨Õ bvgK `ywU cÖK‡í A_©

wewb‡qvM K‡ib| cÖKí `yBwU †_‡K 5 eQ‡i cÖvß Av‡qi nvi wb¤œiƒc :

cÖKí eQi-1 eQi-2 eQi-3 eQi-4 eQi-5 Kve¨ 12% 15% 19% 13% 10%

mvwnZ¨ 19% 25% 20% (5%) 16% wZwb GKwU cÖKí eÜ K‡i w`‡Z Pvb| K. AwbðqZv Kx? 1 L. cwiPvjbv LiP cwi‡kv‡ai AÿgZv †_‡K m„ó SuywKwU e¨vL¨v Ki| 2 M. Kve¨ cÖK‡íi Av`k© wePz¨wZ wbY©q Ki| 3 N. Rbve iv‡m‡ji †Kvb cÖKíwU eÜ K‡i †Ìqv DwPZ? SzuwK

cwigv‡ci wfwË‡Z gšÍe¨ Ki| 4 3 Rbve Avwid 7 eQi ci 14,00,000 UvKv g~‡jï Mvwo µ‡qi

D‡Ï‡k¨ GLbB e¨vs‡K wKQz UvKv Rgv ivL‡Z Pvb †hb Zv Pµe„w× n‡q cÖ‡qvRbxq A‡_©i mgvb nq| ÒmeyRÓ e¨vsK Zuv‡K 10% nv‡i my` cÖ`v‡bi cÖ¯Íve w`‡q‡Q Ges Ò¯^vaxbZvÓ e¨vsK Zv‡K 9% gvwmK Pµe„w× my` cÖ`v‡bi cÖ¯Íve w`‡q‡Q| K. my‡hvM e¨q Kx? 1 L. Pµe„w×KiY cÖwµqv Kx? e¨vL¨v Ki| 2 M. Mvwo µ‡qi cÖ‡qvRbxq A_© †c‡Z n‡j Ò¯^vaxbZvÓ e¨vs‡K

KZ UvKv Rgv ivL‡Z n‡e Zv wbY©q Ki| 3 N. GKB g~‡j¨ MvwowU 10 eQi ci wKb‡j †Kvb e¨vs‡Ki cÖ¯Íve

MÖnY Kiv hyw³msMZ? e¨vL¨v Ki| 4 4 AewšÍKv wjwg‡UW GKwU bZzb eëmvq msMVb| cÖwZôvbwU 100

†KvwU UvKvi †gwkb µ‡qi Rb¨ †kqvi weµq †_‡K m¤ú~Y© A_©vqb bv K‡i 40 †KvwU UvKv FYcÎ weµq †_‡K msMÖn Ki‡Z Pvq| wKš‘ FYcÎ weµq AwbwðZ nIqvq wfbœ Dcvq LyuR‡Q| K. †kqvi‡nvìviMY †Kv¤úvwb †_‡K wbqwgZfv‡e Kx cvq? 1 L. ga¨‡gqvw` A_©vqb ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. AewšÍKv wj. Gi A_©vq‡bi Dr‡mi aibwU e¨vL¨v Ki| 3 N. DÏxc‡Ki eëmvqwUi Rb¨ cÖ‡qvRbxq Znwej msMÖ‡n Kx

Dcvq Aej¤^b Kiv AwaKZi hyw³msMZ? Zv we‡kølY Ki| 4 5 Rbve wkejx GKwU †Kv¤úvwbi Avw_©K eë ’vcK| wZwb eëmvwqK

Znwe‡ji 1,00,000 UvKv 5 eQ‡ii Rb¨ ’vwqfv‡e e¨vs‡K Rgv ivL‡Z Pvb| ÒggZvÓ e¨vsK 5 eQi ci Zv‡K 1,50,000 UvKv cÖ`v‡bi cÖ¯Íve K‡i‡Q| Ab¨w`‡K ÒwgZvwjÓ e¨vsK evwl©K 10% nv‡i gvwmK Pµe„w×‡Z my` cÖ`v‡bi cÖ¯Íve K‡i‡Q| Rbve wkejx ggZv e¨vs‡K D³ UvKv Rgv iv‡Lb| K. PjwZ wewb‡qvM wm×všÍ Kx? 1 L. FY MÖn‡Yi wm×v‡šÍi †ÿ‡Î A‡_©i mgqg~j¨ we‡ePbv Ki‡Z

nq †Kb? e¨vL¨v Ki| 2 M. Avw_©K eë ’vcK wn‡m‡e Rbve wkejxi wm×všÍ †Kvb ai‡bi?

e¨vL¨v Ki| 3 N. Avw_©K eë¯’vcK wn‡m‡e Rbve wkejxi mvgwMÖK Kvh©µg

g~j¨vqb Ki| 4 6 Rbve ivweŸ kxZj †Kv¤úvwbi cwiPvjbv cl©‡ì wbKU we`¨gvb

g~jab KvVv‡gv cwieZ©‡bi wb‡¤œv³ cÖ¯Íve K‡i‡Qb : g~ja‡bi

aib we`¨gvb

kZKiv nvi cÖ¯ÍvweZ

kZKiv nvi Li‡Pi nvi

FY 50% 30% 10% mvaviY †kqvi 50% 70%

cÖwZwU mvaviY †kqv‡ii jf¨vsk 12 UvKv Ges weµqg~j¨ 200 UvKv I jf¨vsk e„w×i nvi 5%| K. †evbvm †kqvi Kx? 1 L. A‡cÿvK…Z AwaK SzuwKc~Y© wewb‡qvM LvZwU e¨vL¨v Ki| 2 M. kxZj †Kv¤úvwbi mvaviY †kqv‡ii e¨q wbY©q Ki| 3 N. kxZj †Kv¤úvwbi g~jab KvVv‡gv cwieZ©‡bi cÖ¯Íve KZUzKz

†hŠw³K? hyw³mn DËi `vI| 4 L-wefvM : e¨vswKs

7 wZZvm I myigv e¨vsK hgybv e¨vs‡Ki wbqš¿Yvaxb `ywU ÿz`ª e¨vsK| e¨vsK wZbwU mv¤úªwZK GKwU †hŠ_mfvi ¸iæZ¡c~Y© Av‡jvwPZ welq n‡”Q

MÖvnK‡ì D‡Ëvj‡bi Pvwn`v †gUv‡bvi Rb¨ MZ mßv‡n M‡o cÖwZw`b 60 †KvwU UvKv e¨vs‡K bM` ivLv nq| ev¯Í‡e MÖvnKiv M‡o cÖwZw`b 35 †KvwU UvKv D‡Ëvjb K‡i|

Av`vj‡Zi wb‡`©‡k wZZvm e¨vs‡Ki GKRb FYMÖwnZvi 10 KvVv eÜKx Rwg weµq K‡iI F‡Yi mgy`q UvKv †diZ cvIqv hvqwb|

K. gy`ªv Kx? 1 L. evwYwR¨K e¨vs‡Ki ¸iæZ¡c~Y© KvRwU e¨vL¨v Ki| 2 M. DÏxc‡K †Kvb ai‡bi KvVv‡gvwfwËK e¨vswKs Kvh©µ‡gi

D‡jøL Av‡Q? e¨vL¨v Ki| 3 N. e¨vswKs eëmv‡qi g~jbxwZi Av‡jv‡K DÏxc‡Ki e¨vswKs

Kvh©µg g~j¨vqb Ki| 4 8 ÒivR †cvjwUª dvg©Ó Gi gvwjK ivRy, eëmvq cwiPvjbvi Rb¨ wbKU¯’

GKwU e¨vs‡K e¨vsK wnmve †Lv‡jb| D³ wnmv‡e wZwb cÖwZw`b K‡qKevi A_© Rgv †`b wKš‘ mßv‡n `yÕev‡ii †ewk A_© D‡Ëvjb K‡ib bv| cie©x‡Z ivRy B-e¨vswKs Gi myweav MÖn‡Yi eë¯’v †bb| K. ATM-Gi c~Y©iƒc Kx? 1 L. my`wenxb e¨vsK wnmvewU e¨vL¨v Ki| 2 M. ivRy wbKU ’ e¨vs‡K †Kvb ai‡bi e¨vsK wnmve †Lv‡jb? eY©bv Ki| 3 N. ivRyi B-e¨vswKs †mev MÖn‡Yi †hŠw³KZv we‡kølY Ki| 4

9 ivRevwo †_‡K XvKvq G‡m KvRj gwZwSj kvcjv PZ¡‡ii cv‡k Aew¯’Z Zvi e¨vsKvi PvPv Rbve nviæ‡bi Awd‡m †`Lv Kij| Zvi PvPv Zv‡K ej‡jb †h, e¨vsKwU Ab¨vb¨ mKj Avw_©K cÖwZôvb‡K wbqš¿Y K‡i Ges bZzb e¨vsK I e¨vs‡Ki kvLv †Lvjvi AbygwZ cÖ`vb K‡i| KvRj jÿ K‡i †h, D³ e¨vs‡K Zvi PvPv QvovI Av‡iv A‡b‡K Kg©iZ Av‡Qb| K. eva¨Zvg~jK Znwej Kx? 1 L. †K›`ªxq e¨vsK‡K wbKvk Ni ejv nq †Kb? 2 M. Rbve nviæb †Kvb e¨vs‡Ki Kg©KZ©v? e¨vL¨v Ki| 3 N. †eKviZ¡ `~ixKi‡Y D³ e¨vsKwUi f‚wgKv g~j¨vqb Ki| 4

10 Rbve Av‡e`xb Zvi ˆcwÎK evwoi `wjj hgybv e¨vsK wjwg‡UW Gi Kv‡Q Rgv †i‡L 30 jÿ UvKv FY wb‡q †RW Mv‡g©›Um wjwg‡UW bvgK GKwU KviLvbv Pvjy K‡ib| K. †PK Kv‡K e‡j? 1 L. e¨vsK I MÖvn‡Ki Av ’v Kx‡mi Dci wU‡K _v‡K? e¨vL¨v Ki| 2 M. hgybv e¨vsK Rbve Av‡e`xb‡K †Kvb ai‡bi FY cÖ`vb

K‡i‡Q? e¨vL¨v Ki| 3 N. hgybv e¨vsK I Rbve Av‡e`x‡bi m¤ú‡K©i aibwU we‡kølY Ki| 4

11 wg. nvwdR mv‡ne Òwbivc`Ó e¨vs‡Ki Kg©KZ©v| Zvi e¨vsK MÖvnK‡ì wewfbœ †mevg~jK Kvh©vewj m¤úv`‡bi gva¨‡g †`‡ki A_©‰bwZK, eëmvwqK I mvgvwRK Dbœq‡b Ae`vb iv‡L| e ‘Z wg. nvwd‡Ri e¨vs‡Ki g‡Zv e¨vsK‡K †K›`ª K‡i AvewZ©Z n‡”Q AvaywbK we‡k¦i A_©‰bwZK Kvh©Kjvc| K. Avw_©K †jb‡`b I †`bv-cvIbv wb®úwËi gva¨g wn‡m‡e e¨vsK

Kx eënvi K‡i? 1 L. evwYwR¨K e¨vs‡Ki c‡ivÿ D‡Ïk¨ Kx? e¨vL¨v Ki| 2 M. wbivc` e¨vsK MÖvnK‡ì Kx ai‡bi †mevg~jK Kvh©vewj

m¤úv`b K‡i _v‡K? eY©bv Ki| 3 N. ÒGKwU †`‡ki A_©‰bwZK Dbœq‡b wbivc` e¨vs‡Ki f‚wgKv

AcwimxgÓDw³wU DÏxc‡Ki Av‡jv‡K wePvi Ki| 4


82 nwj µm D”P evwjKv we`¨vjq, XvKv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 mygbv GKRb eëmvqx| ÔAvkÖqÕ GKwU QvZv weµqKvix cÖwZôvb| G

eQi e„wócvZ K‡g hvIqvq QvZv wewµI K‡g hvq| d‡j eëmv‡q LiP e„w× cvq| eëmvqx mygbv n‡Ki GK eÜyi civg‡k© †`vKv‡bi wewfbœ Km‡gwU· I gwnjv‡ì mvRm¾vi cY¨`ªe¨ iv‡Lb| G‡Z weµq I gybvdv e„w× cvq| K. Avq wm×všÍ Kx? 1 L. Kviev‡i A_©vq‡bi Ab¨Zg bxwZwU e¨vL¨v Ki| 2 M. mygbv n‡Ki eëmv‡q A_©vq‡b †Kvb bxwZ AbymiY K‡i‡Qb?

eY©bv Ki| 3 N. DÏxc‡Ki Av‡jv‡K mygbv n‡Ki Giƒc bxwZ Abymi‡Yi

†hŠw³KZv we‡kølY Ki| 4 2 Rbve ingvb m¤ú~Y© wbR¯^ A‡_© XvKvi MvRxcy‡i GKwU Mv‡g©›Um

wkíKviLvbv M‡o †Zvjvi KvR ïiæ K‡ib| Avw_©K mgm¨v _vKvq g~jëvb wKQy hš¿cvwZ µ‡q mgm¨v †`Lv †`q| Rbve ingvb ’vbxq GKwU e¨vs‡K †hvMv‡hvM K‡ib| wKš‘ e¨vsK †Kv‡bviƒc mnvqZv Ki‡Z AcviMZv cÖKvk K‡i| c‡i wZwb Ab¨ GKwU Avw_©K cÖwZôv‡bi mnvqZvq mgm¨v mgvavb K‡ib| K. A_©vqb eë¯’vcbvq GKwU ¸iæZ¡c~Y© wm×všÍ †KvbwU? 1 L. Znwej msMÖ‡ni evwn¨K Drm¸‡jv RbwcÖq nIqvi KviY¸‡jv

D‡jøL Ki| 2 M. ’vbxq e¨vsK Rbve ingvb‡K Kx Kvi‡Y †Kv‡bviƒc

mn‡hvwMZv Ki‡Z AcviMZv cÖKvk K‡i‡Qb? e¨vL¨v Ki| 3 N. †Kvb Avw_©K cÖwZôv‡bi mnvqZvq Rbve ingvb mgm¨v

mgvavb Ki‡Z †c‡i‡Qb? we‡kølY Ki| 4 3 wg‡mm †mwjbv nK GKRb eëmvqx| wZwb evwl©K 11.5% nvi Pµe„w×

my‡` 15,00,000 UvKv UvKv 'x' e¨vs‡K Rgv ivLvi wm×všÍ †bb| K. my‡ì nvi 20% n‡j 5 eQi ci 100 UvKvi eZ©gvb g~j¨ KZ? 1 L. ÔgRy` gvj eÜwKKiYÕ A_©vq‡bi †Kvb ai‡bi Drm? e¨vL¨v Ki| 2 M. wg‡mm n‡Ki 8 eQi ci 'x' e¨vs‡K KZ UvKv Rgv n‡e? 3 N. hw` my‡ì nvi 0.5% e„w× cvq Z‡e 6 gvm AšÍi Pµe„w×

n‡j 8 eQi ci e¨vs‡K KZ UvKv Rgv n‡e? 4 4 Ô†j`vi myÕ GKwU RyZv cÖ ‘ZKvix cÖwZôvb| gvbm¤§Z RyZv cÖ ‘‡Zi Rb¨

cÖwZôvbwUi Drcvw`Z c‡Yï †`‡k I we‡`‡k e¨vcK Pvwn`v i‡q‡Q| wKš‘ G eQi we‡k¦ Avw_©K g›`vi Kvi‡Y †`‡k I we‡`‡k RyZvi Pvwn`v e¨vcKfv‡e n«vm cvq| G‡Z cÖwZôvbwU weivU ÿwZi m¤§yLxb nq| K. eëmvq cÖwZôv‡bi gybvdv AR©b wK‡mi Ici wbf©i K‡i? 1 L. eëmv‡qi †ÿ‡Î cÖZ¨vwkZ d‡ji PvB‡Z cÖK…Z dj Kg

nIqvi KviYwU e¨vL¨v Ki| 2 M. RyZv cÖ¯‘ZKvix cÖwZôvbwU †Kvb ai‡bi SzuwKi m¤§yLxb n‡jv?

eY©bv Ki| 3 N. cÖwZôvbwU Kxfv‡e SzuwK †gvKvwejv Ki‡Z cv‡i Zvi †KŠkj

we‡kølY Ki| 4 5 Rbve Kv‡kg GKRb wkícwZ| wZwb 4 eQi †gqvw` ywU cÖK‡í

wewb‡qv‡Mi wPšÍvfvebv Ki‡Qb| cÖKí `ywUi cÖv_wgK wewb‡qvM 2 †KvwU UvKv| wb‡P cÖKí `ywUi m¤¢ve¨ Av‡qi weeiY †Ìqv n‡jv :

weµq c~e©vbygvb cÖKí-K cÖKí-L 1g eQi 70 jÿ 55 jÿ 2q eQi 60 jÿ 65 jÿ 3q eQi 80 jÿ 85 jÿ 4_© eQi 75 jÿ 90 jÿ

PjwZ LiP weµ‡qi 30% weµ‡qi 30% ¯’vqx LiP 25 jÿ 25 jÿ

AePq 20 jÿ 20 jÿ Ki 25% 25%

K. †h‡Kv‡bv eëmvq cÖwZôv‡bi mvdj¨ I wU‡K _vKv wK‡mi Ici wbf©i K‡i? 1

L. g~jab ev‡RwUs Abygvb wbf©i †Kb? e¨vL¨v Ki| 2 M. DÏxc‡Ki Av‡jv‡K cÖKí-K Gi Mo gybvdvi nvi wbY©q Ki| 3 N. Rbve Kv‡k‡gi Rb¨ †Kvb cÖKíwU AwaK MÖnY‡hvM¨ n‡e Zv

hyw³mn e¨vL¨v Ki| 4 6 ABC †Kv¤úvwb wj.-Gi mvaviY †kqvi g~jab 250 †KvwU, 13%

AMÖvwaKvi †kqvi g~jab 150 †KvwU Ges 11% FY g~jab 100 †KvwU| mvaviY †kqvi I AMÖvwaKvi †kqv‡ii evRvig~j¨ h_vµ‡g 250 I 200 UvKv| †Kv¤úvwb G eQi mvaviY †kqvigvwjK‡ì †kqvi cÖwZ 5 UvKv Ges Zv cÖwZeQi 10% jf¨vsk e„w× Kivi wm×všÍ †bq Ges gybvdvi eo GKwU Ask Ab¨Î wewb‡qvM K‡i| K. g~jab e¨q Kx? 1 L. k~bë„w× c×wZ Kx? e¨vL¨v Ki| 2 M. ABC †Kv¤úvwbi Mo g~jab e¨q wbY©q Ki| 3 N. gybvdvi eo GKwU Ask Ab¨Î wewb‡qvM Ki‡j myweav¸‡jv


7 wg. Avey K…wl KvR K‡ib Ges wg. mvey grm¨ wkKvi K‡ib| Zviv wb‡R‡ì g‡a¨ cY¨`ªe¨ wewbgq K‡i RxweKv wbe©vn KiZ| Ges cwiev‡ii Pvwn`v c~iY KiZ| GKmgq Df‡qB jÿ K‡i †h, Zv‡ì c‡Y¨ wewbg‡q cY¨ cÖ_vwU mwVK bq| Kvjµ‡g wewbgq gva¨g wnmv‡e gy`ªvi cÖPjb ïiæ nq Ges wewbgq gva¨g mnR I mvejxj nq| K. gy`ªvi cÖavb KvR Kx? 1 L. gy`ªv‡K e¨vsK eë ’vi Rbbx ejv nq †Kb? 2 M. `ªe¨ wewbgq eëmvq wg. Avey I wg. mvey Kx ai‡bi mgm¨v

cwijwÿZ n‡Zv Zv eY©bv Ki| 3 N. gy`ªv cÖPj‡b Kxfv‡e `ªe¨ wewbgq eë ’v‡K mnR I mvejxj

K‡i‡Q we‡kølY Ki| 4 8 wg. Rvgvb GKRb eëmvqx| Zvi eëmv‡q eZ©gv‡b cÖPzi †jb‡`b

nq| wZwb e¨vs‡K GKwU wnmve †Lvjvi wm×všÍ †bb| cÖ_‡g wZwb e¨vs‡K wM‡q wewfbœ e¨vsK wnmve m¤‡Ü aviYv †bb Ges c‡i cQ›`g‡Zv GKwU wnmve †Lv‡jb| K. †Kvb e¨vsK wnmv‡e cÖwZgv‡m wbw`©ó mg‡q wbw`©ó cwigvY

UvKv Rgv w`‡Z nq? 1 L. B›Uvi‡bU e¨vswKs Kx? e¨vL¨v Ki| 2 M. wg. Rvgv‡bi Rb¨ e¨vs‡K †Kvb wnmve †Lvjv myweavRbK?

e¨vL¨v Ki| 3 N. e¨vs‡K wnmve †Lvjvi we‡eP¨ welq¸‡jv Kx Kx? we‡kølY Ki| 4

9 e¨vsK mgv‡Ri ÿz`ª ÿz`ª mÂq¸‡jv wewfbœ Avgvb‡Zi gva¨‡g msMÖn K‡i| Ges eo AvKv‡i g~jab MVb m¤¢e| e¨vs‡Ki G g~jab †`‡k wewb‡qvM I Kg©ms¯’vb e„w×‡Z mnvqZv K‡i| K. FRCD Gi cy‡iv A_© Kx? 1 L. evRvi wbqwš¿Z e¨vsK Kx? e¨vL¨v Ki| 2 M. e¨vsK Kxfv‡e †`‡k cyuwR MVb K‡i mnvqZv K‡i? e¨vL¨v Ki| 3 N. †`‡ki Kg©ms ’vb m„wó‡Z e¨vs‡Ki f‚wgKv g~j¨vqb Ki| 4

10 wg‡mm mxgv GKRb ¯‹zj wkwÿKv| e¨vs‡K Zvi GKwU wnmve i‡q‡Q| cÖwZgv‡m Av‡qi wKQy cwigvY A_© e¨vs‡K wZwb Rgv iv‡Lb| e¨vs‡K wnmve †Lvjvi c~‡e© wZwb e¨vs‡Ki `vwqZ¡ m¤ú‡K© AewnZ n‡q‡Qb| K. KZ mv‡j ¯‹zj e¨vswKs cÖwZwôZ n‡qwQj? 1 L. e¨vsK Kxfv‡e Avg`vwb I ißvwbKviK‡ì mvnvh¨ K‡i? e¨vL¨v Ki| 2 M. wg‡mm mxgv e¨vs‡K †Kvb ai‡bi wnmve Ly‡j‡Qb? eY©bv Ki| 3 N. DÏxc‡K MÖvn‡Ki cÖwZ e¨vs‡Ki `vwqZ¡ ej‡Z Kx eywS‡q‡Qb?

we‡kølY Ki| 4 11 gvgyb mv‡ne Ggb GKwU cÖwZôv‡b KvR K‡ib hvi KvR n‡jv gy`ªv

cÖPjb, gy`ªvevRvi wbqš¿Y, †`‡ki A_©‰bwZK Dbœq‡b cwiKíbv cÖYqb I Zv ev¯Íevq‡b mnvqZv Kiv| K. e¨vsKvi Kv‡K e‡j? 1 L. Pzw³e× m¤úK© ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. gvgyb mv‡ne †Kvb ai‡bi cÖwZôv‡b KvR K‡ib, Zv eY©bv Ki| 3 N. †`‡ki A_©‰bwZK Dbœq‡b DÏxc‡Ki wfwË‡Z cÖwZôvbwUi

f‚wgKv g~j¨vqb Ki| 4


83 wgicyi K¨v›Ub‡g›U cvewjK ¯‹zj I K‡jR, XvKv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 †MvìgvK© †Kv¤úvwb Zv‡ì eëmv‡K m¤úÖmvwiZ Kivi wm×všÍ wb‡Z

Pv‡”Qb hvi Z_¨ wb¤œiƒc :

m¤¢ve¨Zv (%) 30 25 15 20 10

cÖKí jvj 25 30 25 25 5

cÖKí meyR 35 15 25 20 10

K. †UªRvwi wej Bmy¨ K‡i †K? 1

L. e‡Û wewb‡qvMKvix‡ì‡K †Kvb SzuwK †gvKvwejv Ki‡e e¨vL¨v Ki| 2

M. DÏxc‡Ki wfwË‡Z cÖKí jv‡ji SzuwKi cwigvY wbY©q Ki| 3

N. †MvìgvK© †Kv¤úvwbi †Kvb cÖKíwU eR©b Kiv hyw³hy³ g~j¨vqb Ki| 4

2 wg. Rwmg GKRb PvKwiRxex| wZwb fwel¨‡Zi K_v we‡ePbv K‡i Zvi mwÂZ 50,000 UvKv 10.5% my‡` Dwi e¨vs‡K Rgv iv‡Lb Ges e¨vsK wbw`©ó mg‡qi c‡i 9,55,000 UvKv cwi‡kva K‡i| K. Kvg¨ FYbxwZ Kx? 1

L. cÖK…Z my‡ì nvi Ges bvwgK my` KLb mgvb nq e¨vL¨v Ki| 2 M. DÏxc‡Ki wfwË‡Z wg. Rwm‡gi wewb‡qv‡Mi mgq wbY©q Ki| 3 N. wg. Rwm‡gi my‡ì cwigvY g~j¨vqb Ki| 4

3 Rbve mRj GKwU †Kv¤úvwbi †eZbfz³ Kg©KZ©v| wZwb D³ †Kv¤úvwbi wKQy †kqvi µq K‡ib Ges GKwU wbw`©ó nv‡i jf¨vsk †c‡q

_v‡Kb| Z‡e †Kv¤úvwbi wbqš¿‡Y Zvi †Kv‡bv †fvUvwaKvi †bB| K. †evbvm †kqvi Kx? 1 L. cÖeZ©‡Ki †kqvi ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. DÏxc‡Ki wfwË‡Z Rbve mRj †Kvb ai‡bi †kqvi µq

K‡ib? e¨vL¨v Ki| 3 N. Rbve mR‡ji µqK…Z †kqv‡ii mv‡_ e‡Ûi Zzjbvg~jK

m¤úK© we‡kølY Ki| 4 4 Rbve mvgv` GKRb eëmvqx| Zvi eëmv‡qi mKj KvR

cwiPvjbvi ci wZwb †`L‡Z cvb wKQy UvKv Ajmfv‡e c‡o Av‡Q| G UvKv wZwb cieZ©x‡Z e¨vs‡K iv‡Lb| K. cÖwZôv‡bi Kw¤úDUvi Aa¨vq KLb ïiæ nq? 1

L. A_©vqb cÖwµqv eZ©gv‡b eëmv‡qi g~j PvwjKvkw³ e¨vL¨v Ki| 2

M. DÏxc‡Ki wfwË‡Z Rbve mvgv` wewb‡qv‡Mi †ÿ‡Î †Kvb ai‡bi bxwZ MÖnY K‡i‡Qb? e¨vL¨v Ki| 3

N. Rbve mvgv` weKí †Kvb bxwZ MÖnY Ki‡Z cviZ e‡j Zzwg g‡b Ki? we‡kølY Ki| 4

5 wg. wiqv eªv`vm© wZb eQi †gqvw` ÔPuv`Õ I ÔˆkevjÕ bv‡g `yBwU cÖK‡íi GKwU‡Z 20 jÿ UvKv wewb‡qvM Ki‡Z B”QzK| cÖKí `yBwUi Z_¨ wb¤œiƒc :

cÖv°wjZ weµq PjwZ LiP

¯’vqx LiP

AePq Ki bvg

eQi-1 eQi-2 eQi-3 UvKv UvKv UvKv UvKv

Puv` 7 jÿ UvKv

8 jÿ UvKv

9 jÿ UvKv

weµ‡qi 35%

2 jÿ UvKv

1.5 jÿ UvKv

30%

ˆkevj 6 jÿ UvKv

9 jÿ UvKv

12 jÿ UvKv

weµ‡qi 35%

2.5 jÿ UvKv

1.5 jÿ UvKv

25%

K. g~jab ev‡RwUs cÖwµqvq evÆv nvi wn‡m‡e eënvi Kiv nq †KvbwU? 1 L. bM` AvšÍtcÖevn Kx? e¨vL¨v Ki| 2

M. ˆkevj cÖK‡íi mvwe©K gybvdvi nvi wbY©q Ki| 3 N. †Kvb cÖKíwU AwaK jvfRbK g~j¨vqb Ki| 4

6 †Rwg †Kv¤úvwb †kqvievRv‡ii GKwU wbewÜZ †Kv¤úvwb| GB †Kv¤úvwbi g~jab KvVv‡gv Ges g~jab LiP wb¤œiƒc :

g~ja‡bi Drm cwigvY (UvKv) g~jab (LiP) msiwÿZ gybvdv 5,00,000 - AMÖvwaKvi †kqvi g~jab 4,00,000 15% mvaviY †kqvi g~jab 8,00,000 - 12% FY g~jab 10,00,000 -

†kqv‡ii evRvig~j¨ 120 UvKv| †kqvi cÖwZ 11 UvKv jf¨vsk cÖ`vb K‡i Ges 4% nv‡i e„w× cv‡e| K‡ii nvi 40% Ges e¨w³MZ K‡ii nvi 25%| K. Mo g~jab e¨q Kx? 1 L. msiwÿZ Av‡qi my‡hvM e¨q Kx? e¨vL¨v Ki| 2 M. msiwÿZ Znwe‡ji e¨q wbY©q Ki| 3 N. †Kv¤úvwbi Mo g~jabx e¨‡qi Ici cÖfve MvwYwZKfv‡e we‡kølY Ki| 4

L-wefvM : e¨vswKs 7 Avc‡bi evev cÖevmx| wZwb Zvi cwiev‡ii Rb¨ UvKv cvVvb| H UvKv

†_‡K Avcb Av›ìwKjøvq wM‡q eB Ges PÆMÖvg wecwY weZv‡b wM‡q †ev‡bi Rb¨ wb‡Ri Rb¨ †cvkvK wKbj| wKQy UvKv †m mÂqI K‡i| K. gy`ªv Kx? 1 L. gy`ªv‡K e¨vsK eëmv‡qi Rbbx ejv nq †Kb? e¨vL¨v Ki| 2 M. Avc‡bi evevi UvKv cvVv‡bv e¨vs‡Ki †Kvb Kv‡Ri

AvIZvfz³ e¨vL¨v Ki| 3 N. DÏxc‡Ki Av‡jv‡K gy`ªv Kx Kx wn‡m‡e KvR K‡i‡Q? we‡kølY Ki| 4

8 e¨vswKs eëmvq M‡o I‡V A_©‡K †K›`ª K‡i Ges cwiPvwjZ nq MÖvnK‡K †K›`ª K‡i| e¨vsK MÖvn‡Ki cÖwZ h_vh_ `vwqZ¡ cvj‡bi gva¨‡g gybvdv AR©b K‡i _v‡K| K. cÖvB‡fU e¨vs‡Ki me©wb¤œ I m‡e©v”P cwiPvjK KZRb? 1 L. †emiKvwi e¨vsK Kv‡K e‡j? D`vniYmn †jL| 2

M. Ôe¨vsK MÖvn‡Ki AwQÕ K_vwU e¨vL¨v Ki| 3 N. evsjv‡`‡ki A_©bxwZ‡Z e¨vswKs eëmv‡qi Ae`vb Av‡jvPbv Ki| 4

9 Rbve AvKivg GKRb ißvwbKviK| wZwb c„w_exi wewfbœ †`‡k †cvkvK ißvwb K‡i _v‡Kb Avi GRb¨ cÖvq Zv‡K ¯’vbxq †mvbvjx e¨vs‡Ki kvLvq †hvMv‡hvM ivL‡Z nq| K. jKvi fvovi wecix‡Z evwYwR¨K e¨vsK wK Av`vq K‡i _v‡K? 1 L. FY AvgvbZ m„wó ej‡Z Kx †evSvq? e¨vL¨v Ki| 2

M. †mvbvjx e¨vsK Rbve AvKivg‡K Kxfv‡e mnvqZv K‡i we‡kølY Ki| 3

N. Rbve AvKiv‡gi eëmv‡qi †mvbvjx e¨vs‡Ki Ae¯’vb we‡kølY Ki| 4 10 Rbve wbkvb GKRb eëmvqx| wZwb Zvi e¨vsK wnmv‡e

hZevi Lywk A_© Rgv ivL‡Z cvi‡jI mßv‡n `yev‡ii †ewk A_© D‡Ëvjb Ki‡Z cv‡ib bv| d‡j wZwb ÿwZi m¤§yLxb n‡”Qb| K. †µwWU KvW© Kx? 1 L. e¨vsK Kxfv‡e A‡_©i wbivcËv w`‡q _v‡K? e¨vL¨v Ki| 2 M. Rbve wbkvb †Kvb ai‡bi e¨vsK wnmve Ly‡j‡Qb? e¨vL¨v Ki| 3 N. ÿwZi nvZ †_‡K iÿvi Rb¨ Zv‡K Zzwg †Kvb ai‡bi e¨vs‡K

wnmve Lyj‡Z ej‡e? †Zvgvi DË‡ii ¯^c‡ÿ hyw³ †`LvI| 4 11 Kwig Kb‡dKkbvix gq`v I wPwb µq eve` 80,000 UvKv I

50,000 UvKvi ywU †PK iwng †÷vi‡K cÖ`vb K‡i| 80,000 UvKvi †PKwU iwng †÷v‡ii gvwjK e¨vsK †_‡K D‡Ëvjb K‡ib| wKš‘ 50,000 UvKvi †PKwU Zvi e¨vsK wnmv‡ei gva¨‡g Zzj‡Z nq| K. †Kvb e¨vsK evwYwR¨K e¨vsK¸‡jvi AwffveK wn‡m‡e KvR K‡i? 1 L. Mviwbwk AW©vi Rvwi ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. Kwig Kb‡dKkbvixi cÖ`Ë †PK¸‡jvi aib e¨vL¨v Ki| 3 N. DÏxc‡Ki Av‡jv‡K wewfbœ ai‡bi †P‡Ki myweav-Amyweav

we‡kølY Ki| 4


84 ivRkvnx K¨v›Ub‡g›U cvewjK ¯‹zj I K‡jR mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 wg‡mm Hwk Zvi eëmv‡qi ¯’vqx m¤úwË µ‡qi Rb¨ e¨vsK n‡Z

`xN©‡gqvw` FY MÖnY K‡ib Ges cY¨ weµq eve` cÖvß A_© Øviv Kg©Pvix‡ì †eZb cwi‡kva K‡ib| wZwb wewfbœ †kÖwYi †µZv‡ì iæwP I cQ›` Abyhvqx Zvi †`vKv‡bi bvbviKg c‡Yï mgv‡ek NUvb| K. A_©vqb weKv‡ki g~j PviYf‚wg †KvbwU? 1 L. A_©vqb ej‡Z Kx †evSvq? 2 M. wg‡mm Hwk ¯’vqx m¤úwË µq I Kg©Pvix‡ì †eZb cwi‡kv‡ai

†ÿ‡Î A_©vq‡bi †Kvb bxwZ AbymiY K‡i‡Qb? eY©bv Ki| 3 N. wg‡mm Hwk Zvi †`vKv‡b bvbv iKg c‡Yï mgv‡ek NUvb

†Kb? gZvgZ `vI| 4 2 Rbve dwi` GKRb eëmvqx| Zvi eëmv‡qi KuvPvgvj µ‡qi Rb¨

PjwZ g~ja‡bi cÖ‡qvRb c‡o| ZvB wZwb kvcjv e¨vsK †_‡K 6 gv‡mi Rb¨ 5,00,000 UvKv 10% my‡` FY MÖnY K‡ib| GQvov wZwb fvovi wewbg‡q 5 eQ‡ii Rb¨ GKwU †gwkb msMÖn K‡i Drcv`b Ae¨vnZ †i‡L‡Qb| K. †h‡Kv‡bv eëmv cÖwZôv‡b Znwe‡ji KqwU Drm _v‡K? 1 L. mwÂwZ Znwej ej‡Z Kx †evSvq? 2 M. Rbve dwi` KuvPvgvj µ‡qi Rb¨ †Kvb c×wZ‡Z A_©vqb

K‡ib? eY©bv Ki| 3 N. †gwkb msMÖ‡ni †ÿ‡Î Rbve dwi‡ì M„nxZ c`‡ÿcwU g~j¨vqb Ki| 4

3 wg. ivnvZ wg. wRnv‡ì wbKU †_‡K 60,000 UvKv FY MÖnY K‡ib| kZ© Abyhvqx wg. ivnvZ 5 eQi ci 8% evwl©K my`mn FY cwi‡kva Ki‡eb| K. eëmv‡qi cÖwZwU wm×v‡šÍi mv‡_ A‡_©i Kx RwoZ _v‡K? 1 L. my‡hvM e¨q Kv‡K e‡j? e¨vL¨v Ki| 2 M. 5 eQi ci wg. ivnvZ KZ UvKv cwi‡kva Ki‡eb? 3 N. wg. ivnvZ KZ UvKv FY wb‡j 5 eQi ci 70,000 UvKv

cwi‡kva Ki‡Z n‡e? 4 4 GKwU Rym Drcv`bKvix cÖwZôvb Ôg¨v‡½v RymÕ I ÔA‡iÄ RymÕ ˆZwi

K‡i| cÖwZôvbwUi MZ 5 eQ‡i `yB ai‡bi Rym weµq n‡Z Av‡qi cwigvY wb¤œiƒc :

eQi g¨v‡½v Rym (Avq nvi) A‡iÄ Rym (Avq nvi) 2014 20% 10% 2015 22% 20% 2016 16% 18% 2017 18% 19% 2018 14% 23%

K. GKgvwjKvbv I Askx`vwi Kviev‡i †Kvb SzuwK A‡bK †ewk? 1 L. †Kvb ai‡bi SzuwKi Kvi‡Y †Kv¤úvwb †`Dwjqv nIqvi Avk¼v _v‡K? 2 M. g¨v‡½v Rym weµq n‡Z cÖvß Av‡qi Av`k© wePz¨wZ wbY©q Ki| 3 N. †Kvb ai‡bi Rym ˆZwi‡Z cÖwZôvbwUi AviI A_© wewb‡qvM

Kiv DwPZ? †Zvgvi DË‡ii mc‡ÿ hyw³ `vI| 4 5 Rbve gvgyb Zvi †`vKv‡bi Rb¨ GKwU d‡UvKwc †gwkb µq Ki‡Z

Pvb| †gwkbwUi g~j¨ 60,000 UvKv Ges Avqy®‹vj 3 eQi| 3 eQ‡i Zvi d‡UvKwc eve` cÖv°wjZ Avq h_vµ‡g 40,000 UvKv; 30,000 UvKv I 50,000 UvKv| PjwZ LiP d‡UvKwc eve` Av‡qi 20%, ’vqx LiP 2,000 UvKv Ges K‡ii nvi 30%| K. g~jab ev‡RwUs †Kvb ai‡bi cÖwµqv? 1 L. g~jab ev‡RwUs‡qi wm×všÍ me©`vB SzuwKc~Y© †Kb? e¨vL¨v Ki| 2 M. Rbve gvgy‡bi 3 eQ‡ii wbU gybvdvi cwigvY wbY©q Ki| 3 N. Rbve gvgy‡bi eëmv‡qi Mo gybvdvi nvi wbY©q Ki| 4

6 Rbve wiqvR Zvi mÂqK…Z 5,00,000 UvKv wZZvm †Kv¤úvwb‡Z wewb‡qvM K‡i‡Qb| wZwb wewb‡qvMKvix wn‡m‡e wbqwgZfv‡e GKwU wbw`©ó cwigvY my` †c‡q _v‡Kb| Zvi eÜy Rbve Bgb GKB †Kv¤úvwb‡Z 2,00,000 UvKv wewb‡qvM K‡i‡Qb| wZwb †Kv¤úvwb cwiPvjbvq AskMÖnY Ki‡Z cvi‡jI Zvi Avq wbw`©ó bq|

K. †Kv¤úvwbi gvwjK Kviv? 1 L. AMÖvwaKvi †kqvi ej‡Z Kx †evSvq? 2 M. Rbve wiqv‡Ri wewb‡qv‡Mi aibwU e¨vL¨v Ki| 3 N. Rbve Bg‡bi wewb‡qv‡Mi SzuwK g~j¨vqb Ki| 4

L-wefvM : e¨vswKs 7 Rbve Av`bvb ÔmvbÕ e¨vs‡K GKwU wnmve †Lv‡jb| D³ wnmv‡e wZwb

A_© Rgv iv‡Lb Ges cÖ‡qvR‡b FYI †bb| Z‡e eëmv‡qi Kvi‡Y hš¿cvwZ msMÖn, KviLvbv wbg©vY BZ¨vwì Rb¨ FY PvB‡j mvb e¨vsK Zv‡K ÔgybÕ e¨vs‡Ki kiYvcbœ nIqvi civgk© †`q| K. `ÿ e¨vsK eëmvi c~e©kZ© Kx? 1 L. we‡klvq‡bi bxwZ ej‡Z Kx †evS? 2 M. Kvh©wfwËK †kÖwYKiY Abyhvqx ÔmvbÕ e¨vsKwU †Kvb ai‡bi

e¨vsK? eY©bv Ki| 3 N. Rbve Av`bv‡bi gyb e¨vs‡Ki kiYvcbœ nIqvi †hŠw³KZv g~j¨vqb Ki| 4

8 ÔKÕ e¨vsK AwaK gybvdvi Avkvq Zv‡ì Avgvb‡Zi cÖvq m¤ú~Y© Ask wewfbœ Lv‡Z wewb‡qvM K‡i‡Q| d‡j eZ©gv‡b MÖvnK‡ì †P‡Ki A_© cwi‡kv‡a e¨_© n‡”Q| FYMÖnxZv‡ì KvQ †_‡K F‡Yi A_© Av`vq Ki‡ZI cÖwZôvbwU e¨_© n‡”Q| K. †PBb e¨vs‡Ki gyL¨ D‡Ïk¨ Kx? 1 L. e¨vsK Kxfv‡e g~jab MVb K‡i? e¨vL¨v Ki| 2 M. †Kvb bxwZ j•N‡bi d‡j ÔKÕ e¨vsK MÖvnK‡ì †P‡Ki A_©

cwi‡kv‡a e¨_© n‡”Q? eY©bv Ki| 3 N. ÔKÕ e¨vs‡Ki MÖvnK‡ì KvQ †_‡K F‡Yi A_© Av`vq Ki‡Z

e¨_© nIqvi KviYwU we‡kølY Ki| 4 9 AvwRg mv‡ne m¤úÖwZ PvKwi n‡Z Aemi wb‡q‡Qb| wZwb Zvi †cbkb

eve` 10 jÿ UvKv †c‡q‡Qb| wZwb G A_© wbivc‡` msiÿY Ki‡Z Pvb Ges Zv †_‡K wbqwgZ Avq cÖZ¨vkv K‡ib| GRb¨ wZwb †ek K‡qKwU e¨vs‡K †LuvRLei †bb| †kl ch©šÍ Zvi cvk¦©eZ©x evRv‡i Aew¯’Z ÔcÖMwZ e¨vsKÕ Gi GKwU kvLvq wnmve Ly‡j Zvi A_© Rgv iv‡Lb| K. e¨vsK †Kvb wnmv‡ei MÖvnK‡K RgvwZwi³ A_© D‡Ëvj‡bi my‡hvM †`q? 1 L. AvÂwjK e¨vsK ej‡Z Kx †evSvq? 2 M. AvwRg mv‡n‡ei Rb¨ †Kvb ai‡bi e¨vsK wnmve Dchy³? eY©bv Ki| 3 N. AvwRg mv‡n‡ei cÖMwZ e¨vs‡K wnmve †Lvjvi †hŠw³KZv g~j¨vqb Ki| 4

10 wb‡Pi †PKwU fv‡jvfv‡e jÿ Ki :

K. evsjv‡`k e¨vs‡Ki wbe©vnx cÖavb †K? 1 L. Kv‡K F‡Yi †kl AvkÖq ’j ejv nq? e¨vL¨v Ki| 2 M. wP‡Î cÖ`wk©Z †PK †c‡j Zzwg Kxfv‡e A_© D‡Ëvjb Ki‡e? 3 N. †jb‡`‡bi wbivcËv weav‡b wP‡Î cÖ`wk©Z †PKwUi myweav we‡kølY Ki| 4

11 eëmvqx Bwjqv‡mi ÔwbkvZ e¨vsKÕ Gi e¨vsK wnmv‡e 10,00,000 UvKv Av‡Q| e¨vsKwU Zv‡K cY¨ †Kbvi Rb¨ B‡jKUªwbK KvW© Bmy¨ K‡i| Rbve Bwjqvm Zvi GKRb †`bv`v‡ii wbKU †_‡K ÔwcÖqšÍx e¨vsKÕ Gi GKwU †PK †c‡q ÔwbkvZ e¨vsKÕ G Rgv w`‡j e¨vsKwU Ô÷vi e¨vsKÕ Gi gva¨‡g D³ UvKv msMÖn K‡ib| K. RbM‡Yi mwÂZ A_© e¨vsK Kx wn‡m‡e MÖnY K‡i? 1 L. †Kvb wnmv‡e cÖwZ gv‡m wbw`©ó cwigvY A_© Rgv w`‡Z nq? e¨vL¨v Ki| 2 M. ÔwbkvZ e¨vsKÕ †Kvb ai‡bi KvW© Bmy¨ K‡i? eY©bv Ki| 3 N. Ô÷vi e¨vsK mKj e¨vs‡Ki e¨vsKviÕ DÏxc‡Ki Av‡jv‡K we‡kølY Ki| 4


85 beve dqRy‡bœQv miKvwi evwjKv D”P we`¨vjq, Kzwgjøv mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 Rbve mvgv` GKRb wewb‡qvMKvix| MZ 5 eQ‡i Zvi 'Z' cÖK‡í

wewb‡qvM †_‡K cÖvß Av‡qi nvi h_vµ‡g 12%, 20%, 8%, 16% I 30%| K. Avw_©K SzuwK Kx? 1

L. KLb Zvij¨ SzuwKi m„wó nq? e¨vL¨v Ki| 2 M. Rbve mvgv‡ì 'Z' cÖK‡íi Avq †_‡K Mo Av‡qi eëav‡bi

e‡M©i mgwó wbY©q Ki| 3 N. hw` mgvb wewb‡qv‡Mi Aci GKwU cÖKí 'Y'-Gi Av`k© wePzªwZ

13.5% nq Z‡e, †Kvb cÖKíwU Kg SzuwKc~Y© Zv wbY©q Ki| 4 2 Rbve wkwki 5 eQi ci 10 jÿ UvKv cvIqvi Avkvq eZ©gv‡b wKQz

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µ‡qi wm×všÍ g~j¨vqb Ki| 3 N. wg. k¨vg‡ji wPwb µ‡qi wm×v‡šÍ g~jab ev‡RwUs‡qi ¸iæZ¡

g~j¨vqb Ki| 4 5 wg. †kLi Zvi †Kv¤úvwbi †gvU g~jab 5,00,000 UvKvi mgvbycv‡Z

14% FYcÎ Ges cÖwZwU 250 UvKv g~‡jï †kqvi weµ‡qi gva¨‡g A_©vqb Ki‡Z B”QzK| †kqvi cÖwZ 10% jf¨vsk cÖ`vb K‡i hv cÖwZeQi 6% nv‡i e„w× cvq| evRv‡i D³ †kqv‡ii g~j¨ 300 UvKv| Kinvi 40%| wZwb A_©vq‡b g~jab LiP we‡ePbvq wm×všÍ MÖnY K‡ib| K. k~b¨ jf¨vsk Kx? 1 L. ÔAMÖvwaKvi †kqv‡i jf¨vsk cÖ`vb eva¨Zvg~jK bvÕ e¨vL¨v Ki| 2 M. wg. †kL‡ii mvgwMÖK g~jab e¨q wbY©q Ki| 3 N. wg. †kL‡ii FYg~jab 60% Ges †kqvi g~jab 40% nq

Z‡e wm×všÍ MÖn‡Y g~jab e¨q KZUzKz cÖfvweZ n‡e? MvwYwZKfv‡e g~j¨vqb Ki| 4

6 wg. Kv‡kg Zvi mwÂZ A_© wewb‡qvM Kivi Rb¨ wewfbœ wewb‡qvM †ÿÎ wePvi-we‡kølY K‡i wZwb GKwU †Kv¤úvwbi ’vei m¤úwËi g~jëvb KvMRvw` wb‡Ri Kv‡Q msiÿY K‡i wewb‡qv‡Mi Rb¨ Pzw³e× nb| Aciw`‡K Zvi eÜy Rwni †ewk Av‡qi Avkvq †ewk SzuwK wb‡Z AvMÖnx n‡q wewb‡qvM Ki‡Z Pvb| wZwb g‡b K‡ib, SzuwKc~Y© wewb‡qv‡MB m‡e©v”P Avq m¤¢e|

K. wejw¤^Z †kqvi Kx? 1 L. jf¨vsk bxwZ ej‡Z Kx †evSvq? 2 M. wg. Kv‡k‡gi wewb‡qvM †ÿÎwU eY©bv Ki| 3 N. Òwg. Rwni A‡cÿv Kv‡k‡gi wewb‡qvM‡ÿÎ DËgÓ

DÏxc‡Ki Av‡jv‡K g~j¨vqb Ki| 4 L-wefvM : e¨vswKs

7 m~h© e¨vs‡Ki GKRb wbqwgZ AvgvbZKvix Rbve ksKi `vm Zvi KviLvbvq bZzb Drcv`b wefvM Pvjy Kivi Rb¨ bZzb †gwkb Avg`vwb Ki‡Z Pvb hvi A_©vq‡bi Rb¨ m~h© e¨vs‡Ki wbKU Av‡e`b K‡ib| m~h© e¨vsK Zvi eëmv‡qi mvwe©K w`K wePvi-we‡kølY K‡i A_©vq‡bi Aby‡gv`b †`q| d‡j Rbve ksKi `vm Zvi bZzb Drcv`b wefvM Pvjy K‡ib| K. †fv³v e¨vsK Kx? 1 L. Znwej MV‡b e¨vsK †Kvb c‡ÿi D‡Ïk¨ ev¯Íevqb K‡i? e¨vL¨v Ki| 2 M. m~h© e¨vs‡Ki Kvh©cÖYvwji Ici wfwË K‡i GwU †Kvb ai‡bi

e¨vsK? eY©bv Ki| 3 N. DÏxc‡K e¨vs‡Ki †Kvb bxwZ ev¯Íevq‡bi d‡j †`‡ki

A_©‰bwZK Dbœqb Z¡ivwš^Z nq? we‡kølY Ki| 4 8 wg. Zzwnb ¯^Y©vjx e¨vs‡Ki GKRb Kg©KZ©v| Zzwn‡bi eÜy Rv‡Ki Zvi

evmv m¤úÖmvi‡Yi Rb¨ F‡Yi Av‡e`b Ki‡j ¯^Y©vjx e¨vsK Zv Aby‡gv`b K‡iwb| FYbxwZ ev¯Íevq‡b mnvqZv cÖav‡bi j‡ÿ¨ D³ Lv‡Z FY Aby‡gv`‡b AvbycvwZK nv‡i FY gÄy‡i evav _vKvq m¤¢e nqwb| Rv‡Ki GK eQ‡ii Rb¨ eëmvwqK Kv‡R †`‡ki evB‡i Ae ’vb Ki‡e ZvB Zvi wbR¯^ evmvi mvwe©K `vwqZ¡ ¯^Y©vjx e¨vs‡Ki nv‡Z b¨¯Í K‡i d‡j e¨vsK D³ Kv‡Ri PvR© MÖnY K‡i| K. AvgvbZ Kx? 1 L. wewbgq gva¨g m„wó Kx? e¨vL¨v Ki| 2 M. ¯^Y©vjx e¨vsK FY mgš^q K‡i e¨vs‡Ki †Kvb ai‡bi D‡Ïk¨

ev¯Íevqb K‡i? eY©bv Ki| 3 N. Rbve Rv‡K‡ii KvR m¤úv`b K‡i e¨vsK †Kvb ai‡bi Avq

AR©b K‡i? we‡kølY Ki| 4 9 wg. mygb GKRb PvKwiRxex| wZwb cÖwZôvb KZ…©K M„nxZ †eZb

e¨vsK wnmv‡ei gva¨‡g MÖn‡Yi Rb¨ ’vbxq ïKZviv e¨vs‡K GKwU wnmve †Lv‡jb| ïKZviv e¨vsK Zv‡K †PK eB I GKwU cøvw÷K KvW© mieivn K‡i hv w`‡q wZwb †KbvKvUv I A_© D‡Ëvjb K‡ib| wKš‘ wZwb GKw`b †KbvKvUv Ki‡Z wM‡q Kv‡W©i gva¨‡g A_© cwi‡kva Ki‡Z wM‡qI Ki‡Z cv‡ib wb| Zvi eÜy ReŸvi Zvi cøvw÷K Kv‡W©i gva¨‡g A_© cwi‡kva K‡i Ges †m mygb‡K Rvbvq Zvi e¨vs‡K A_© Rgv bv _vK‡jI †m †KbvKvUv Ki‡Z cv‡i| K. ZvwjKvfz³ e¨vsK Kv‡K e‡j? 1 L. e¨vsK Znwe‡ji g~j Drm e¨vL¨v Ki| 2 M. wg. myg‡bi e¨vsK wnmvewU †Kvb ai‡bi? eY©bv Ki| 3 N. wg. myg‡bi cøvw÷K Kv‡W©i gva¨‡g A_© cwi‡kva Ki‡Z bv

cvivi KviY we‡kølY Ki| 4 10 wg. AvRMi GKRb eëmvqx| wm‡j‡Ui gnvRbcwÆ‡Z Zvi

wbR¯ eëmvq i‡q‡Q| D³ eëmvwqK †jb‡`b m¤úbœ Kivi Rb¨ e¨vs‡K wnmve †Lv‡jb| D³ wnmv‡ei gva¨‡g e¨vsK Zv‡K FY Aby‡gv`b K‡i hv wZwb gvwmK wKw¯Íi gva¨‡g cwi‡kva Ki‡Qb| wg. AvRM‡ii eëmvwqK wewfbœ `wjjvw` e¨vs‡K msiÿY K‡i iv‡Lb| K. ûKzg †PK Kx? 1 L. Av`vjZ KZ…©K e¨vsK wnmve eÜ K‡i †Ìqv‡K Kx e‡j? e¨vL¨v Ki| 2 M. DÏxc‡Ki wg. AvRM‡ii e¨vsK wnmve †Lvjvi d‡j †Kvb

ai‡bi m¤ú‡K©i m„wó nq? eY©bv Ki| 3 N. F‡Yi wKw¯Í cwi‡kva K‡i wg. AvRMi e¨vs‡Ki cÖwZ †Kvb ai‡bi

`vwqZ¡ cvjb K‡ib? DÏxc‡Ki Av‡jv‡K g~j¨vqb Ki| 4 11 P›`ª e¨vs‡Ki Kg©KZ©v wg. iwk` e¨vswKs wefv‡M Kg©iZ i‡q‡Qb| Zvi

wefvM Ab¨vb¨ e¨vs‡Ki g‡a¨ AvšÍte¨vswKs †PK wb®úwË K‡i| m~h© e¨vs‡Ki mvwe©K KvR Z`viwK KivI P›`ª e¨vs‡Ki Kv‡Ri AšÍM©Z| m~h© e¨vsK P›`ª e¨vs‡Ki mieivnK…Z mKj bxwZ ev¯Íevq‡b mvwe©K mnvqZv K‡i| d‡j †`‡ki mvgwMÖK A_©‰bwZK Ae¯’vq fvimvg¨ eRvq _v‡K| K. `vMKvUv †PK Kx? 1 L. ê‡`wkK gy`ªvi Znwej msiÿY Kx? e¨vL¨v Ki| 2 M. P›`ª e¨vsK †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. m~h© e¨vs‡Ki mv‡_ P›`ª e¨vs‡Ki m¤úK© g~j¨vqb Ki| 4


88 ewikvj miKvwi evwjKv D”P we`¨vjq mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ

1 Rbve ivwd ÔA †ejvf‚wgÕ cÖwZôv‡b wbt¯^ e„×‡ì †`Lvïbvi eë ’vi

LiP eve` 5 jÿ UvKv cÖ`vb K‡i| Avevi Zvi ÔivBU †UªWvm©Õ cÙv

†mZzi iv¯Ív ˆZwi‡Z KvR K‡i †hLv‡b miKvi ADB Gi KvQ †_‡K

10 nvRvi †KvwU Wjvi A_© mnvqZv †bq|

K. IDB-Gi c~Y©iƒc Kx? 1

L. eëmvq cÖwZôvb Kx? e¨vL¨v Ki| 2

M. ÔA †ejvf‚wgÕ Gi A_©vqb †Kvb †kÖwYi? e¨vL¨v Ki| 3

N. ADB Gi A_©vqvb mnvqZvi jÿ¨ we‡kølY Ki| 4

2 ivZzj 10 jÿ UvKv 5 eQ‡ii Rb¨ e¨vs‡K Rgv ivL‡Z Pvq|

A e¨vsK evwl©K 10% nv‡i gybvdvi cÖ¯Íve †`q|

B NGO Zv‡K Aa©evwl©K Pµe„w×‡Z 9% nv‡i gybvdvi cÖ¯Íve †`q|

K. Pµe„w× my` Kx? 1

L. Ôiæj-72Õ Kx? e¨vL¨v Ki| 2

M. ÔA e¨vsKÕ 5 eQi ci KZ cÖ`vb Ki‡e? wbY©q Ki| 3

N. †Kvb †ÿÎwU ivZz‡ji Rb¨ mwVK n‡e? MvwYwZK we‡kølY Ki| 4

3 mwRe †Kvs Gi Znwej msMÖn wb¤œiƒc

A 10 UvKv g~‡jï 5 †KvwU †kqvi weµq

B 10% FY 1 †KvwU UvKv

C 15% bM` jf¨vsk cÖ`vb k‡Z© 1 †KvwU

eQiv‡šÍ †Kqv †Kvs-Gi 25 jÿ UvKv gybvdv n‡q‡Q|

K. ivBU †kqvi Kx? 1

L. cÖeZ©‡Ki †kqvi Kx? e¨vL¨v Ki| 2

M. A Znwe‡ji jf¨vsk cÖ vb m¤ú‡K© e¨vL¨v Ki| 3

N. mwRe †Kvs-Gi 10 jÿ UvKv ÿwZ n‡j, cÖwZôvbwUi gybvdv

cÖ`vbmsµvšÍ mgm¨vi mgvavb Kx n‡e? we‡kølY Ki| 4

4 AB †Kvs 10 eQi Pvjy _vK‡e k‡Z© 10 jÿ UvKv wewb‡qvM Kiv nq|

cÖwZôvbwU Avbygvb K‡i cÖwZ eQi 50,000 UvKv wbU gybvdv cv‡e|

K. g~jab ev‡RwUs Kx? 1

L. †c-e¨vK Gi wm×všÍ bxwZ Kx? e¨vL¨v Ki| 2

M. AB †Kvs Gi †c-e¨vK mgq wbY©q Ki| 3

N. AB †Kvs Gi Mo gybvdvi nvi wbY©q Ki| 4

5 Rbve Aqb Gi `ywU cÖK‡íi Avq nvi wb¤œiƒc :

A 20%, 12%, 10%, 15%, 25%

Y 50%, 20%, 30,%, 10%, 25%

K. SzuwKgy³ Avq Kx? 1

L. SzuwK Kx? e¨vL¨v Ki| 2

M. A cÖK‡íi SzuwK wbY©q Ki| 3

N. SzuwKi wePv‡i Rbve Aq‡bi Rb¨ †Kvb cÖKíwU myweavRbK

we‡kølY Ki| 4

6 wkDwj †UªWvm© Gi PjwZ g~ja‡bi cÖ‡qvR‡b †µZv n‡Z

5,00,000/- jÿ UvKv AwMÖg MÖnY K‡i Acy †UªWvm© eëmvq

m¤úªmvi‡Yi Rb¨ cÖ‡qvRbxq A_© msMÖ‡ni Rb¨ FYcÎ wewµ K‡i|

K. e¨vsK RgvwZwi³ D‡Ëvjb Kx? 1

L. wjwRs Kx? e¨vL¨v Ki| 2

M. wkDwj †UªWvm© mgq wePv‡i †Kvb ai‡bi Drm n‡Z g~jab

msMÖn Kij? e¨vL¨v Ki| 3

N. Acy †UªWvm© mwVK A_©vqb bxwZ Abymi‡Y P‡j we‡kølY Ki| 4

L-wefvM : e¨vswKs

7

?

A B C

K. e¨vsK eëmv‡qi cÖavb Dcv`vb Kx? 1

L. wewbgq cÖ_v Kx? e¨vL¨v Ki| 2

M. C Kx cÖKvk K‡i? eY©bv Ki| 3

N. B C Gi cwieZ©b we‡kølY Ki| 4

8 Rbve iZb Zvi M e¨vs‡Ki wnmv‡e †`bv`v‡ii KvQ †_‡K cÖvß 10

jÿ UvKvi †PK Rgv w`‡jb| Zvi ¯¿x GKwU Abyôv‡b cÖvß wewfbœ

Mnbv D³ e¨vs‡K Rgv ivL‡Z Pvb|

K. cÖvB‡fU e¨vsK ’vc‡bi cwiPvjK KZRb? 1

L. g‡°‡ji Av¯’v AR©‡bi Dcvq Kx? e¨vL¨v Ki| 2

M. MÖvn‡Ki †cÖÿvc‡U Rbve iZ‡bi KvR e¨vs‡Ki †Kvb ai‡bi

D‡Ïk¨? eY©bv Ki| 3

N. Rbve iZ‡bi ¯¿xi B”QvwU e¨vs‡Ki D‡Ï‡kï wfwË‡Z we‡kølY

Ki| 4

9

K. †K›`ªxq e¨vsK ïiæi mg‡q KZwU ivóªvqË e¨vsK wQj? 1

L. Letter of Credit Kx? e¨vL¨v Ki| 2

M. wP‡Îi e ‘ cÖPjb ÿgZv Kvi? eY©bv Ki| 3

N. wP‡Îi e ‘i mv‡_ evwYwR¨K e¨vs‡Ki m¤úK© e¨vswKs bxwZi

wfwË‡Z we‡kølY Ki| 4

10 Rbve Igi GKwU e¨vs‡Ki A_©‰bwZK Dc‡`óv| Zvi e¨vsK †bvU

cÖPjb K‡i| Rbve Avwmd GKwU e¨vs‡K Kg©iZ Av‡Qb †h e¨vsK

AvgvbZ msMÖn K‡i|

K. evsjv‡`k e¨vs‡Ki Kg©KvÐ KZwU wefv‡M wef³? 1

L. wbKvk Ni Kx? e¨vL¨v Ki| 2

M. A †UªWvm© Gi g~jab ¯^íZvq DÏxc‡Ki †Kvb e¨w³ e¨vs‡Ki

wbKU †_‡K mvnvh¨ wb‡eb? e¨vL¨v Ki| 3

N. DÏxc‡Ki Kg©KZ©v‡ì e¨vs‡Ki g‡a¨ Nwbô e¨vswKs m¤úK© Kx

m¤¢e? we‡kølY Ki| 4

11 wg. ingvb ÔA e¨vsKÕ G 50 jÿ UvKv Rgv iv‡Lb| Rbve ivqnvb

evwo wbg©v‡Yi Rb¨ ÔA e¨vsKÕ †_‡K 10 jÿ UvKv 10% nv‡i

gybvdvq avi †bb|

K. e¨vsK †Kvb A_© Pvwnev gvÎ †diZ w`‡Z eva¨ _v‡K? 1

L. e¨vsK Ges MÖvn‡Ki g‡a¨ AvBbMZ Ges wfbœ ai‡bi Kx

m¤úK© ˆZwi n‡Z cv‡i? e¨vL¨v Ki| 2

M. Rbve ivqnv‡bi mv‡_ 'A e¨vsKÕ Gi m¤úK© Kx? e¨vL¨v Ki| 3

N. wg. ingvb I 'A e¨vs‡Ki g‡a¨ m„ó m¤úK© we‡kølY Ki| 4


NCTB KZ…©K cÖ`Ë P‚ovšÍ gvbeÈ‡bi Av‡jv‡K

G·K¬zwmf g‡Wj †U÷ I DËigvjv : eûwbe©vPwb gv÷vi †UªBbvi c¨v‡bj KZ…©K

cÖYxZ

89 G·K¬zwmf g‡Wj †U÷ 01 mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. cÖwZôv‡bi Af¨šÍixY Znwe‡ji Drm‡K Kq fv‡M fvM Kiv hvq?

K 2 L 3 M 4 N 5 2. cÖvc¨we‡ji †gqv` mvaviYZ Kq gv‡mi? K 3 gvm L 2 gvm M 4 gvm N 1 eQi 3. jf¨vsk mgZvKiY Znwe‡ji gva¨‡g

†Kv¤úvwb i. wb‡R‡ì mybvg AÿzYœ ivL‡Z cv‡i ii. wbqwgZfv‡e jf¨vsk cÖ`vb Ki‡Z cv‡i iii. †kqvi‡nvìvi‡ì cÖZ¨vkv c~iY Ki‡Z cv‡i


4. A_©vqb Kx wb‡q KvR K‡i? K wewbgq eë¯’vcbv L Znwej eë¯’vcbv M g~jab N gybvdv 5. wkíwecøe msNwUZ nq KLb? K lô`k kZvãx‡Z L mß`k kZvãx‡Z M Aóv`k kZvãx‡Z N Ebwesk kZvãx‡Z 6. 1970 Gi `k‡K

i. Kw¤úDUvi Aa¨vq ïiæ nq ii. A_©vqb A¼wbf©i nq iii. SzuwKi aviYv mwVKfv‡e cwigvc Kiv nq


7. iæj 72 Abyhvqx 9,000 UvKv 9% my‡ì nv‡i KZ eQ‡i wØ¸Y n‡e?

K 7 eQi L 4 eQi M 8 eQi N 9 eQi 8. †KvbwU cwigvc‡hvM¨ bq wKš‘ Abygvb Kiv

hvq? K Avq L e¨q M SzuwK N AwbðqZv 9. wb‡Pi †KvbwU‡Z wewb‡qvM Kiv A‡cÿvK…Z

AwaK SzuwKc~Y©? K eÛ L wW‡eÂvi M mvaviY †kqvi N AMÖvwaKvi †kqvi 10. bM` AvšÍtcÖevn Kx? K gybvdv + AePq L gybvdv AePq M wbU gybvdv + Ki N gybvdv Ki 11. g~jab ev‡RwUs Gi gva¨‡g wm×všÍ MÖnY

Kiv nq i. ’vqx m¤úwË µ‡qi ii. ’vqx m¤úwË AvaywbKvq‡b iii. PjwZ LiP wbe©v‡n


12. Znwej mieivnKvixi Rb¨ †hwU cÖZ¨vwkZ Avq †mwU Znwej msMÖnKvixi Rb¨ Kx wn‡m‡e cwiMwYZ nq?

K g~jab LiP L my‡hvM e¨q M cÖZ¨vwkZ e¨q N cwiPvjb e¨q 13. X †Kv¤úvwb 15% my‡ì nv‡i e¨vsK †_‡K

FY MÖnY K‡i| Ki nvi 50% n‡j FY g~jabx e¨q KZ?

K 1.5% L 5.00% M 7.5% N 12% 14. †K †Kv¤úvwbi jf¨vsk cvq? K cwiPvjK L eÛ gvwjK M wW‡eÂvigvwjK N †kqvigvwjK 15. wejw¤^Z †kqvigvwjK Kviv? K cvIbv`vi L e¨vsKvi M cÖeZ©KMY N cwiPvjKMY 16. AMÖvwaKvi †kqvigvwjK‡ì Av‡M Kv‡ì

`vwe c~iY Ki‡Z nq? K eÛ L wW‡eÂvi M mvaviY †kqvi N wWwf‡W›U 17. LC-Gi c~Y©iƒc Kx? K Letter of Commerce L Letter of Certificate M Letter of Credit N Letter of Cost 18. gyw³hy‡×i cieZ©x mg‡q evsjv‡`‡k KqwU

e¨vsK Kg©iZ wQj? K 10wU L 11wU M 12wU N 1090wU 19. e¨vsK kãwUi j¨vwUb A_©

i. †eÂ ii. cvnv‡oi Xvj iii. j¤^v †Uwej


20. FY`vb, †bvU Bmy¨ G¸‡jv e¨vs‡Ki †Kvb ai‡bi bxwZ?

K †mev bxwZ L we‡klvq‡bi bxwZ M wewb‡qvM bxwZ N D‡Ï‡kï bxwZ 21. DbœZ †`k¸‡jv‡Z g‡°jwfwËK †kÖwYKi‡Y

†Kvb e¨vsK e¨vcK RbwcÖqZv AR©b K‡i‡Q? K mgevq e¨vsK L ¯‹zj e¨vsK M MÖvgxY e¨vsK N K…wl e¨vsK 22. Uªv‡fjvi †PK †_‡K evwYwR¨K e¨vsK Kx

†c‡q _v‡K? K my` L evÆv M Kwgkb N gybvdv 23. evwYwR¨K e¨vs‡Ki Li‡Pi LvZ

i. g‡°j‡ì Avgvb‡Zi Ici my` cÖ`vb ii. wej evÆvKiY iii. Kg©Pvix‡ì †eZb cÖ`vb


24. wegv mÂqx wnmv‡e †Kvb ai‡bi myweav cvIqv hvq?

K WvK Rxeb wegv L Rxeb wegv M AwMœ wegv N mÂqx wegv DÏxcKwU c‡o 25 I 26 bs cÖ‡kœi DËi `vI : Rbve AvwZK fzqv KvMRcÎ w`‡q K e¨vsK

†_‡K 10 jÿ UvKv FY MÖnY K‡ib| cieZ©x‡Z e¨vsK D³ cÖZviYvi K_v Rvb‡Z cv‡i Ges Zvi mv‡_ m¤ú‡K©i Aemvb NUv‡bvi wm×všÍ MÖnY K‡i|

25. FY`v‡bi gva¨‡g K e¨vsK K †WUi L †µwWUi M MÖvn‡Ki AwQ N g‡°j 26. Kx‡mi wfwË‡Z e¨vsK AvwZ‡Ki mv‡_

m¤úK© wQbœ Kivi wm×všÍ †bq? K Av`vj‡Zi Av‡`‡k L †K› ªxq e¨vs‡Ki wb‡`©‡k M e¨vs‡Ki wbR¯^ wm×v‡šÍ N g‡°‡ji wm×v‡šÍi wfwË‡Z 27. gvbwmKfv‡e Amy ’ e¨w³i mv‡_ e¨vs‡Ki

m¤ú‡K©i mgvwß NUvi KviY †KvbwU? K e¨vs‡Ki ¯^vfvweK Kv‡R weNœ NUvq L e¨vs‡Ki mybvg ÿzYœ nq M Amy ’ e¨w³ wek„•Ljv m„wó K‡i N Amy ’ e¨w³i Pzw³ m¤úv`‡bi †hvM¨Zv

_v‡K bv 28. †Kv‡bv †`‡ki mvwe©K A_©‰bwZK Dbœq‡bi

j‡ÿ¨ iv‡óªi KZ…©Z¡ †_‡K †`‡ki g~j¨¯Íi I A_©‰bwZK fvimvg¨ iÿvKvix cÖwZôvbwU n‡jv †K›`ªxq e¨vsK msÁvwU †K w`‡q‡Qb?

K Aa¨vcK †mqvm© L Aa¨vcK wKmP I GjwKb M W. Gm Gm †mb N Aa¨vcK GjwKb DÏxcKwU c‡o 29 I 30 bs cÖ‡kœi DËi `vI : Rbve nvmvb Zvi wZb eÜy‡K wb‡q

eëmvqx‡ì Pvwn`v I myweavi K_v we‡ePbv K‡i bZzb GKwU e¨vsK cÖwZôv Ki‡Z Pvb| G e¨vcv‡i Zviv cÖ‡qvRbxq AvbyôvwbKZv m¤úbœ K‡i ÔcÖRš§Õ e¨vsK bv‡g GKwU Avw_©K cÖwZôvb M‡o Zz‡j‡Qb|

29. cÖRš§ e¨vsK cÖwZôvi Rb¨ D‡`¨v³viv Kvi AbygwZ wb‡q‡Qb?

K miKv‡ii L †mvbvjx e¨vs‡Ki M wkí e¨vs‡Ki N evsjv‡`k e¨vs‡Ki 30. cÖRš§ e¨vsK wm×všÍwU ev¯Íevqb Ki‡Z cv‡i

i. AvgvbZ m„wói gva¨‡g ii. †K›`ªxq e¨vsK †_‡K FY wb‡q iii. eëmvqx‡ì FY cÖ`vb K‡i




Self test


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1 K 2 K 3 N 4 L 5 L 6 N 7 M 8 N 9 M 10 K 11 K 12 K 13 M 14 N 15 M

16 L 17 M 18 M 19 M 20 L 21 L 22 M 23 M 24 L 25 L 26 M 27 N 28 L 29 N 30 M



1. A_©vq‡bi me‡P‡q ¸iæZ¡c~Y© aib †KvbwU? K miKvwi A_©vqb L cvwievwiK A_©vqb M eëmvq A_©vqb N AvšÍR©vwZK A_©vqb 2. Znwej msMÖ‡ni cÖwµqv‡K Kx e‡j? K e¨q wm×všÍ L cÖKí wm×všÍ M cwiKwíZ wm×všÍ N Avq wm×všÍ 3. `xN©‡gqvw` A_©vq‡bi Awfbe c×wZ †KvbwU? K FY L wjwRs M FYcÎ N eÛ 4. ÿz`ª FY w`‡q _v‡K

i. MÖvgxY e¨vsK ii. †µ›`ªxq e¨vsK iii. mgevq e¨vsK



5. Avm‡ji Ici †h my` MYbv Kiv nq Zv‡K Kx e‡j?

K mij my` L Pµe„w× my` M evrmwiK my` N gvwmK my` 6. Pµe„w× cÖwµqv ej‡Z †evSvq

i. A‡_©i fwel¨r g~j¨ wba©viY cÖwµqv ii. my`vm‡ji Ici my` avh© Kiv nq iii. my`vmj‡K my‡ì nvi Øviv fv‡Mi cÖwµqv



7. SzuwKi cwigvc Kiv nq i. wewfbœ †KŠkj Aej¤^b K‡i ii. mwVK cwiKíbvi gva¨‡g iii. cÖwZôv‡bi e¨q Kwg‡q



8. e‡Û wewb‡qvMKvixiv †Kvb ai‡bi SzuwK †gvKvwejv K‡i?

K Zvij¨ SzuwK L my` nv‡ii SzuwK M Avw_©K SzuwK N eëmvwqK SzuwK 9. g~jab ev‡RwUs Gi gva¨‡g wm×všÍ MÖnY

Kiv nq i. ’vqx m¤úwË µ‡qi ii. ’vqx m¤úwË AvaywbKvq‡b iii. PjwZ LiP wbe©v‡ni



DÏxcKwU c‡o 10 I 11 bs cÖ‡kœi DËi `vI : AB †Kv¤úvwb GKwU †gwkb µq Ki‡e hvi

µqg~j¨ 90,000 UvKv| †gqv` 3 eQi| cÖKíwU †_‡K cÖwZ eQi AvMZ bM` cÖevn n‡e h_vµ‡g 42,000 UvKv, 38,000 UvKv Ges 29,000 UvKv|

10. µqK…Z †gwkbwUi µg‡hvwRZ bM` cÖevn KZ n‡e?

K 1,00,000 UvKv L 1,05,000 UvKv M 1,08,000 UvKv N 1,09,000 UvKv 11. †gwkbwUi cwi‡kva Kvj KZ eQi? K 3 eQi L 3.3 eQi M 2.3 eQi N 4 eQi 12. wewb‡qvMKvix‡ì Rb¨ SzuwKc~Y© wewb‡qvM

†KvbwU? K eÛ µq L FYcÎ µq M AMÖvwaKvi †kqvi µq N mvaviY †kqvi µq 13. cÖwZwU eëmvq cÖwZôv‡bi wbR¯^ Kx _v‡K? K gybvdv L FY M g~jab e¨q N g~jab Avq 14. evsjv‡`‡k KqwU ÷K G·‡PÄ i‡q‡Q? K 1wU L 2wU M 3wU N 4wU 15. AMÖvwaKvi †kqvi gvwjKiv

i. †fvUvwaKvi cvq ii. wbw`©ó nv‡i jf¨vsk cvq iii. SzuwK me‡P‡q †ewk

wb‡Pi †KvbwU mwVK? K i I ii L ii M ii I iii N i, ii I iii

16. e¨vsK k‡ãi j¨vwUb A_© Kx? K mÂq L †Pqvi M j¤^v †Uwej N wewb‡qvM 17. KvMwR gy`ªvi cÖPj‡bi KviY

i. avZe gy`ªvi weKí eënvi ii. avZe gy`ªvi `xN© ’vwqZ¡ iii. avZe c`v‡_©i `y®úÖvc¨Zv



18. KvVv‡gvwfwËK e¨vsK KqwU? K 2wU L 3wU M 4wU N 5wU

DÏxcKwU c‡o 19 I 20 bs cÖ‡kœi DËi `vI : Rbve mv`wg GKRb e¨vsKvi| A_©‰bwZK

g›`v Abf‚Z nIqvq Zv‡ì e¨vsKwU B`vbxs Zvij¨ msK‡U fzM‡Q| D‡jøL¨ Zv‡ì Kvh©µg mviv‡`‡k we¯Í…Z|

19. Rbve mv`wgi e¨vsKwU †Kvb ai‡bi e¨vsK? K GKK e¨vsK L MÖæc e¨vsK M †PBb e¨vsK N kvLv e¨vsK 20. Rbve mv`wgi e¨vsKwU Zvij¨ msK‡U

fzM‡Q, Gi KviY i. bZzb AvgvbZ Kg Rgv n‡”Q ii. cÖ`Ë FY Av`vq n‡”Q bv iii. wgZe¨wqZvi bxwZ Abym„Z n‡”Q bv



21. cÖZ¨qcÎ Kvi AbyK‚‡j Bmy¨ Kiv nq? K e¨vsK L miKvi M ißvwbKviK N Avg`vwbKviK 22. †K›`ªxq e¨vsK‡K gy`ªvevRvi wbqš¿‡Y mvnvh¨

K‡i †Kvb e¨vsK? K wewb‡qvM e¨vsK L wkí e¨vsK M mgevq e¨vsK N evwYwR¨K e¨vsK 23. evwYwR¨K e¨vs‡Ki D‡Ïk¨

i. gybvdv AR©b ii. wewbg‡qi gva¨g iii. Kg©ms¯’vb m„wó



24. †Kvb e¨vsK wnmve †_‡K me‡P‡q †ewk nv‡i my` cvIqv hvq?

K PjwZ wnmve L mÂqx wnmve M ’vqx wnmve N wegv mÂqx wnmve 25. B‡jKUªwbK e¨vs‡Ki †mev myweav n‡jv

i. ATM ii. VISA iii. Debit card



26. e¨vs‡Ki MÖvnK‡K †`Dwjqv †NvlYv Ki‡Z cv‡i †K?

K e¨vsK L Av`vjZ M mgvR N cwievi 27. MÖvn‡Ki cÖwZ e¨vs‡Ki `vwqZ¡

i. †mevq wd Av`vq ii. wnmv‡ei †MvcbxqZv iÿv iii. FY cwi‡kva



28. evsjv‡`‡ki gy`ªvevRv‡ii AwffveK †Kvb e¨vsK?

K †mvbvjx e¨vsK L AMÖYx e¨vsK M evsjv‡`k e¨vsK N RbZv e¨vsK 29. †K›`ªxq e¨vs‡Ki cÖavb D‡Ïk¨ Kx? K miKv‡ii Kj¨vY L RbKj¨vY M gybvdv AR©b N e¨w³¯^v‡_©i Kj¨vY 30. †`‡ki gy`ªvevRvi wbqš¿Y K‡i

i. miKvi ii. evwYwR¨K e¨vsK iii. †K›`ªxq e¨vsK





Self test


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1 M 2 N 3 L 4 L 5 K 6 K 7 K 8 L 9 K 10 N 11 M 12 N 13 M 14 L 15 L

16 M 17 L 18 M 19 N 20 K 21 M 22 N 23 N 24 M 25 L 26 L 27 K 28 M 29 L 30 L



1. †Kvb ai‡bi A_©vq‡b Avq A‡cÿv e¨q †ewk? K eëmv‡q A_©vq‡b L AvšÍR©vwZK A_©vq‡b M cvwievwiK A_©vq‡b N miKvwi A_©vq‡b 2. AvšÍR©vwZK A_©vqb †Kvb LvZ wb‡q

Av‡jvPbv K‡i? K Avg`vwb L ißvwb M mgvRKj¨vY N Avg`vwb I ißvwb 3. Kvievwi cÖwZôvb¸‡jv‡K Kqfv‡M fvM Kiv

hvq? K 3 L 4 M 5 N 6 4. we‡klvwqZ Avw_©K cÖwZôvb †KvbwU? K †mvbvwj e¨vsK L evsjv‡`k K…wl e¨vsK M AMÖYx e¨vsK N RbZv e¨vsK 5. †gNbv wj.-Gi Mo †_‡K Av‡qi eëav‡bi

e‡M©i Mo 125.8| Av`k© wePz¨wZ KZ? K 11.18% L 11.20% M 11.22% N 11.25% 6. Rbve 'X' 8% nv‡i iƒcvjx e¨vs‡K 1000

UvKv Rgv iv‡Lb| 5 eQi ci Zvi RgvK…Z A‡_©i cwigvY KZ n‡e?

K 1,400 UvKv L 1,469 UvKv M 1,475 UvKv N 1,575 UvKv 7. KZ nvi my‡` 5,000 UvKv 9 eQ‡i wØ¸Y n‡e? K 8% L 9% M 18% N 72% 8. Rbve iv‡k` 15% nv‡i Aa©-evwl©K

Pµe„w× my‡` 8,000 UvKv NRB e¨vs‡K Rgv iv‡Lb| 3 eQi ci Zvi wnmv‡e KZ UvKv Rgv n‡e?

K 11,058 UvKv L 11,925 UvKv M 12,346 UvKv N 12,015 UvKv 9. †Kv¤úvwb Avkv Ki‡Q AvMvgx eQi 20%

wbU gybvdv jvf Ki‡e wKš‘ cÖK…Z jvf n‡jv 15%| GLv‡b i. SzuwK we`¨gvb ii. 5% wePz¨wZ SzuwKi Drm iii. AwðqZv we`¨gvb


DÏxcKwU c‡o 10 I 11 bs cÖ‡kœi DËi `vI : Rev †Kv¤úvwb 15% nv‡i 50 jÿ UvKvi 5

eQi †gqvw` eÛ weµq K‡i| d‡j Zvi my` cÖ`vb Ki‡Z wM‡q wbU gybvdv K‡g hvq|

10. Rev †Kv¤úvwb‡Z †Kvb SzuwK we`¨gvb? K eëmvwqK SzuwK L Avw_©K SzuwK M my‡ì nv‡ii SzuwK N Zvij¨ SzuwK 11. Rev †Kv¤úvwbi my` eve` eQ‡i KZ

cwi‡kva Ki‡Z nq? K 3,75,000 UvKv L 7,50,000 UvKv M 37,00,000 UvKv N 37,75,000 UvKv

12. wbU gybvdvi cwigvY K‡g hvIqvi †cQ‡b †Kvb KviY me‡P‡q †ewk `vqx?

K cwiPvjbv LiP cwi‡kv‡ai AÿgZv L Ach©vß bM` cÖevn M †ewk cwigvY my` MÖnY N `vq cwi‡kv‡ai AÿgZv 13. c~iex wj. 2012 mv‡j Zv‡ì Awd‡mi

fvov eve` 50,000 UvKv| Kg©Pvix †eZb 60,000 UvKv Ges KuvPvgvj µq eve` 30,000 UvKv e¨q Kij| Zv‡ì ’vqx LiP KZ?

K 1,40,000 UvKv L 50,000 UvKv M 80,000 UvKv N 90,000 UvKv 14. †Kv‡bv cÖK‡íi cÖviw¤¢K wewb‡qvM

5,00,000 UvKv n‡j Mo wewb‡qvM KZ? K 5,00,000 UvKv L 2,50,000 UvKv M 2,00,000 UvKv N 1,00,000 UvKv 15. Bank Asia-Gi ÔcÖKí-KÕ Avqy®‹vj 3 eQi

Ges cÖv_wgK wewb‡qvM 100 UvKv I mgvcbx wewb‡qv‡M 90 UvKv n‡j, cÖKíwUi Mo wewb‡qvM KZ?

K 100 UvKv L 90 UvKv M 95 UvKv N 63 UvKv 16. eëmv‡qi mwVK g~jab KvVv‡gv wbe©vP‡b

f‚wgKv iv‡L i. g~jab e¨q ii. Kvg¨ FYbxwZ iii. gvwj‡Ki g~jab


17. GKwU †Kv¤úvwbi †kqv‡ii eZ©gvb evRvig~j¨ 200 UvKv Ges G eQi cÖwZ †kqv‡ii 10 UvKv nv‡i jf¨vsk †NvlYv K‡i †Kv¤úvwbi mvaviY †kqvi g~jab e¨q

K 9.09% L 10% M 5% N 7.05% 18. nvwdR 15% nv‡i e¨vsK †_‡K FY MÖnY

K‡i| Kinvi 50% n‡j Zvi FY g~jab e¨q KZ?

K 15% L 50% M 7.5% N 5.7% 19. mvaviY †kqvi Kx ai‡bi wewb‡qvM?

i. mnRjf¨ ii. SzuwKnxb iii. SzuwKc~Y©

wb‡Pi †KvbwU mwVK? K i L ii M iii N ii I iii

20. AMÖvwaKvi †kqv‡ii êwkó¨ i. gvwjKvbv ii. RvgvbZ iii. iƒcvšÍi †hvM¨Zv


DÏxcKwU c‡o 21 I 22 bs cÖ‡kœi DËi `vI : wewbgq cÖ_vi me©cÖ_g bywo cv_‡ii eënvi

ïiæ nq| cieZ©x‡Z avZegy`ªv I gvby‡li cÖ‡qvR‡b cÖvPxb hy‡M KvMwR gy`ªvi cÖPjb nq| gy`ªv eënv‡ii RbwcÖqZv‡K †K›`ª K‡iB M‡o I‡V A_© eëmvq I e¨vsK|

21. gy`ªv cÖPjb N‡U †Kvb hy‡M? K AvaywbK hy‡M L ga¨ hy‡M M cÖv‰MwZnvwmK hy‡M N cÖvPxb hy‡M 22. we‡k¦ cÖ_g gy`ªv wn‡m‡e eën„Z nq †KvbwU? K avZe gy`ªv L bywo cv_i M ¯Y©gy`ªv N KvMwR gy`ªv 23. †h Avgvb‡Zi †ÿ‡Î my` cvIqv hvq

i. PjwZ Avgvb‡Z ii. mÂqx Avgvb‡Z iii. †gqvw` Avgvb‡Z


24. evwYwR¨K e¨vsK †KvbwU? i. AMÖYx e¨vsK ii. evsjv‡`k K…wl e¨vsK iii. †ewmK e¨vsK


25. e¨vsK wbw`©ó nv‡i my` cÖ`vb K‡i _v‡K i. PjwZ wnmv‡e ii. mÂqx wnmv‡e iii. megv‡qi wnmv‡e

wb‡Pi †KvbwU mwVK? K i L ii M ii I iii N i, ii I iii

26. PvKwiRxex‡ì †Kvb wnmve Dc‡hvMx? K mÂqx L PjwZ M ’vqx N we‡kl 27. e¨vsK Zvi MÖvnK‡K FY cwi‡kv‡ai Rb¨

cÖ`vb Ki‡e i. mgq ii. my‡hvM iii. A_©


28. †K›`ªxq e¨vsK n‡”Q e¨vswKs mvgªv‡Rï i. †bZv ii. ivRv iii. m~h©


29. mymsMwVZ gy`ªvevRvi MVb †Kvb e¨vs‡Ki Ab¨Zg D‡Ïk¨?

K †K›`ªxq e¨vsK L wewb‡qvM e¨vsK M wewbgq e¨vsK N evwYwR¨K e¨vsK 30. †K›`ªxq e¨vsK KZ…©K Kv©hvewj‡K Kqfv‡M

fvM Kiv hvq? K `yBfv‡M L wZbfv‡M M Pvifv‡M N cuvPfv‡M



Self test


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1 N 2 N 3 K 4 L 5 M 6 L 7 K 8 M 9 K 10 L 11 L 12 L 13 L 14 L 15 M

16 K 17 M 18 M 19 M 20 L 21 N 22 L 23 M 24 L 25 L 26 K 27 K 28 N 29 K 30 M



1. eëmv‡qi g~j PvwjKv kw³ †KvbwU? K A_©vqb L Kgx©evwnbx M cwiKíbv N Drcv`b 2. miKv‡ii e¨‡qi LvZ †KvbwU? K AvqKi L g~j¨ ms‡hvRb Ki M Avg`vwb ïé N cÖwZiÿv

3. Kw¤úDUvi Aa¨v‡qi m~Pbv nq K 1950 Gi `k‡K L 1960 Gi `k‡K M 1970 Gi `k‡K N 1980 Gi `k‡K 4. Af¨šÍixY Znwe‡ji Drm‡K Kqfv‡M fvM

Kiv hvq? K 2 L 3 M 4 N 5 5. †KvbwU †kqv‡ii weKí? K FY L FYcÎ M wjwRs N evwYwR¨K cÎ 6. Rbve ingvb mv‡ne 5 eQi ci e¨vsK

†_‡K 1,00,000 UvKv cv‡eb| my‡ì nvi 10% n‡j D³ UvKvi eZ©gvb g~j¨ KZ?

K 38100 L 53440 M 120065 N 62092

DÏxcKwU c‡o 7 I 8 bs cÖ‡kœi DËi `vI : ïf eëmv‡qi cÖ‡qvR‡b wewfbœ ai‡bi

wewb‡qvM wm×všÍ MÖnY K‡ib| eëmvq cwiPvjbvi mgq Zv‡K wewfbœ ’vqx m¤úwË †hgb Rwg, AvmevecÎ, `vjvb‡KvVv, hš¿cvwZ BZ¨vw` µq Ki‡Z nq|

7. ïf eëmv‡qi ’vqx †Kvb ai‡bi wewb‡qvM wm×všÍ †bqvi mgq AwaK mZK©Zv Aej¤^b Ki‡Z nq?

K ¯í‡gqvw` L PjwZ‡gqvw` M ga¨g‡qvw` N `xN©‡gqvw` 8. D‡`¨v³v wn‡m‡e ïf †h mKj `xN©‡gqvw`

wewb‡qv‡Mi wm×všÍ wb‡q _v‡Kb †m¸‡jv

n‡jv i. ¯’vqx m¤úwË cÖwZ¯’vcb ii. Drcvw`Z c×wZi AvaywbKvqb iii. bZzb cY¨ evRv‡i Avbv



9. Kx Kvi‡Y fwel¨r I eZ©gvb mg‡qi g‡a¨ A‡_©i g~‡jï cv_©K¨ N‡U?

K my`-Avm‡ji L my‡ì nv‡ii M evÆvi nv‡ii N PvR© wba©vi‡Yi

Ici 10. SzuwKeûj wewb‡qv‡Mi †KvbwU †ewk _v‡K? K Avq L e¨q M ÿwZ N Dcwi e¨q

11. eëmvq cÖwZôvb Ges wewb‡qvMKvix‡ì

cÖZ¨vwkZ I cÖvß djvd‡ji g‡a¨ _v‡K i. AwbðqZv ii. wePz¨wZ iii. Miwgj



12. †gvU gybvdv †_‡K Ki ev` w`‡j Kx cvIqv hvq? K AePq L bM` cÖevn M mwÂwZ N wbU gybvdv 13. A_©vqb ej‡Z †Kvb cÖwµqv‡K †evSvq?

i. Znwej msMÖn ii. Znwej MVb iii. Znwej eënvi



14. †kqvig~j¨ 2000 UvKv| e„w×i nvi 15% Ges jf¨vsk 20 UvKv n‡j mvaviY †kqvi g~jab e¨q KZ?

K 12.40% L 15.1% M 17.5% N 16.15%

DÏxcKwU c‡o 15 I 16bs cÖ‡kœi DËi `vI : XYZ †Kv¤úvwb 10% my‡` 2,00,000

UvKv FY MÖnY K‡i| Ki nvi 40% 15. XYZ Gi FY g~jab e¨q KZ?

K 5% L 6% M 8% N 10% 16. Kic~e© FYg~jab e¨q‡K mgš^q Kivi

cÖ‡qvRb nq †Kb? K Ki cÖ`vb Ki‡Z L Ki gIKzd Ki‡Z M Ki e„w× Ki‡Z N Ki duvwK w`‡Z 17. †Kv¤úvwb msev`c‡Îi gva¨‡g weeiYcÎ

Qvwc‡q †KvbwU µ‡qi AvnŸvb Rvbvq? K eÛ L wW‡eÂvi M evwYwR¨K cÎ N †kqvi 18. mvaviY †kqvigvwjK I FYcÎ gvwj‡Ki

gvSvgvwS †Kvb gvwj‡Kiv Ae ’vb K‡i? K AMÖvwaKvi †kqvi L †evbvm †kqvi M eÛ N ivBU †kqvi 19. e‡Ûi wecix‡Z †Kv¤úvwb RvgvbZ wn‡m‡e

iv‡L i. ¯’vqx m¤úwË ii. `wjjcÎvw` iii. bM` UvKv



20. e¨vswKs eëmv‡qi g~jbxwZ KqwU K 15wU L 16wU M 19wU N 21wU 21. †Kvb kã †_‡K e¨vsK k‡ãi DrcwË? K Bankus L Banker M Bangk N Bangue 22. evwYwR¨K e¨vs‡Ki Ab¨Zg D‡Ïk¨ †KvbwU? K gybvdv AR©b L g~jab MVb M RbKj¨vY N FY wbqš¿‡Yi mnvqZv

DÏxcKwU c‡o 23 I 24bs cÖ‡kœi DËi `vI : Rbve mvg`vwb GKRb e¨vsKvi| Zv‡ì

Kvh©µg mviv‡`‡k we¯Í…Z| A_©‰bwZK g›`v Abyf‚Z nIqvq Zv‡ì e¨vsKwU B`vbxs Zvij¨ msK‡U fzM‡Q|

23. Rbve mvg`vwbi e¨vsKwU †Kvb ai‡bi e¨vsK? K GKK e¨vsK L kvLv e¨vsK M MÖæc e¨vsK N †PBb e¨vsK 24. Rbve mvg`vwbi e¨vsKwUi Zvij¨ msK‡Ui

KviY i. bZzb AvgvbZ Kg Rgv n‡”Q ii. cÖ`Ë FY Av`vq n‡”Q bv iii. wgZe¨wqZvi bxwZ AbymZ n‡”Q bv



25. wewbgq wej cÖZ¨qb Kvi KvR? K ißvwbKvi‡Ki L Avg`vwbKvi‡Ki M e¨vs‡Ki N evwYR¨ `~‡Zi 26. b~¨bZg KZ UvKv Rgv w`‡q mÂqx wnmve

†Lvjv hvq? K 100 UvKv L 200 UvKv M 500 UvKv N 1000 UvKv 27. †KvbwU‡K e¨w³MZ FY ejv nq? K †WweU KvW© L †µwWU KvW© M G wU Gg N myBdU 28. e¨vs‡Ki MÖvnK‡K †K †`Dwjqv †NvlYv

Ki‡Z cv‡i? K e¨vsK L Av`vjZ M mgvR N cwievi 29. mymsMwVZ gy`ªvevRvi MVb †Kvb e¨vs‡Ki

Ab¨Zg D‡Ïk¨? K †K›`ªxq e¨vsK L wewb‡qvM e¨vsK M wewbgq e¨vsK N evwYwR¨K e¨vsK 30. †K›`ªxq e¨vs‡Ki D‡Ïk¨ KqwU? K 14wU L 15wU M 16wU N 18wU



Self test


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1 K 2 N 3 M 4 K 5 L 6 N 7 N 8 N 9 L 10 K 11 M 12 N 13 L 14 N 15 L

16 L 17 N 18 K 19 K 20 L 21 M 22 N 23 L 24 K 25 M 26 K 27 L 28 L 29 K 30 M



1. eëmv‡qi g~j PvwjKvkw³ †KvbwU? K gybvdv L Rbkw³ M A_©vqb N myôz eë¯’vcbv 2. Aeëmvqx cÖwZôv‡bi Av‡qi Drm †KvbwU? K FY L Aby`vb M wewb‡qvM N †iwg‡UÝ 3. evwbwR¨K cÎ weµ‡qi RvgvbZ wn‡m‡e

KvR K‡i †KvbwU? K e¨vsK Znwej L wbR¯^ Znwej M mybvg N eëmv‡qi m¤ú` 4. eëmv‡q cÖwZôvb¸‡jvi A_© msMÖ‡ni

†ÿ‡Î Drm wn‡m‡e eën„Z nq i. ¯^xq g~jab ii. FYK…Z g~jab iii. AvšÍR©vwZK Znwej



5. Aa©evwl©K Pµe„w×i †ÿ‡Î 'm' Gi gvb KZ nq?

K 12 L 8 M 6 N 2 6. mvßvwnK 1% nv‡i Pµe„w×i my‡ì evwl©K

cÖK…Z my‡ì nvi KZ? K 24.62% L 67.77% M 75.76% N 77.27% 7. cwiPvjb e¨‡q ’vqx Li‡Pi cwigvY †ewk

n‡j Kx nq? K eëmvwqK SzuwK L my`nv‡ii SzuwK M Zvij¨ SzuwK N Avw_©K SzuwK 8. †Kvb SzuwKi Kvi‡Y †Kv¤úvwb Lye `ªæZ

we‡jvc mvab n‡Z cv‡i? K Zvij¨ SzuwK L my` nv‡ii SzuwK M Avw_©K SzuwK N eëmvwqK SzuwK

DÏxcKwU c‡o 9 I 10bs cÖ‡kœi DËi `vI : †iRv hgybv e¨vs‡Ki wbKU 50,000 UvKv

Rgv †i‡L‡Qb| G‡Z my‡ì nvi kZKiv 10 fvM| d‡j Zv AvMvgx eQ‡i 5500 UvKv Ges 2 eQi ci 60,000 UvKvi mgvb g~j¨ enb K‡i|

9. †iRvi †Kvb UvKv‡K eZ©gvb g~j¨ ejv hv‡e? K 50,000 UvKv L 55,000 UvKv M 60,000 UvKv N 65,000 UvKv

10. DÏxc‡Ki Av‡jv‡K fwel¨r g~j¨ n‡”Q i. 55,000 UvKv ii. 50,000 UvKv iii. 60,000 UvKv



11. KLb GKwU wewb‡qvM jvfRbK e‡j cÖZxqgvb nq?

K µq †ewk n‡j L AvšÍtcÖevn ewntcÖevn †_‡K †ewk n‡j M weµq †ewk n‡j N ewntcÖevn AvšÍtcÖevn †_‡K †ewk n‡j 12. g~jab ev‡RwUs Gi c×wZ KqwU? K `yBwU L wZbwU M PviwU N cuvPwU 13. 500 UvKvi we‡j 2% evÆv avh© Kiv n‡j

KZ UvKv bM` cvIqv hv‡e? K 420 UvKv L 470 UvKv M 480 UvKv N 490 UvKv 14. eëmvwqK gybvdvi cwigvY 80,000 UvKv

Ges hš¿cvwZi Av‡qi cwigvY 5,000 UvKv| bM` AvšÍtcÖev‡ni cwigvY KZ?

K 75,000 UvKv L 40,000 UvKv M 85,000 UvKv N 65,000 UvKv 15. Avigvb mybvwg †Kv¤úvwb wjt Gi 17.50%

AMÖvwaKvi †kqvi µq K‡i‡Qb| cÖwZwU †kqv‡ii AwfwnZ g~j¨ 2500 UvKv| Avigvb cÖwZ †kqv‡i KZ UvKv jf¨vsk cv‡eb?

K 250 UvKv L 375 UvKv M 413 UvKv N 438 UvKv 16. †mevi g~j¨ cwigvcK †KvbwU? K Zvgv L †mvbv M UvKv N Kwo 17. †KvbwU wbivc` wewbgq gva¨g wn‡m‡e cwiwPZ? K KvMwR gy`ªv L Zvgvi gy`ªv M ¯Y©gy`ªv N †iŠc¨ gy`ªv 18. e¨vsK eëmvqx‡ì FY w`‡q †Kvb ai‡bi

Kv‡R mnvqZv K‡i? K cwiKíbvg~jK L †mevg~jK M Drcv`bg~jK N µq-weµqg~jK 19. hy‡Mi cwieZ©‡bi mv‡_ mv‡_ cwieZ©b

n‡”Q e¨vsK eëmv‡qi i. AvKvi ii. MVb iii. D‡Ïk¨



20. cÖZ¨qcÎ Kvi AbyK‚‡j Bmy¨ Kiv nq? K e¨vsK L miKvi M ißvwbKviK N Avg`vwbKviK 21. Uªv‡fjvim& †PK n‡Z evwYwR¨K e¨vsK Kx

†c‡q _v‡K? K my` L Kwgkb M evÆv N gybvdv

22. PjwZ wnmve Dc‡hvMx i. eëmvqx‡ì ii. PvKwiRxex‡ì iii. ˆ`bw›`b bM` †jb‡`bKvix‡ì



23. GKwU †P‡K UvKvi cwigvY KZevi †jLv nq? K 1 evi L 2 evi M 4 evi N 5 evi 24. e¨vs‡Ki MÖvnK‡K †`Dwjqv †NvlYv Ki‡Z

cv‡i †K? K e¨vsK L Av`vjZ M cwievi N mgvR 25. Clearing House Gi A_© Kx? K cwi”Qbœ Ni L cwi®‹vi Ni M wbKvkNi N LwZqvb Ni

DÏxcKwU c‡o 26 I 27bs cÖ‡kœi DËi `vI : wecøe miKvi wewW wj. 15% my‡ì nv‡i 1

†KvwU UvKv e¨vsK FY wb‡q K¨v‡giv, Kw¤úDUvi cÖf…wZ wK‡b Media wfwËK eëmvq ïiæ K‡i| cÖv_wgK cÖv°jb Abyhvqx Zviv cÖwZ eQi 30% nv‡i gybvdv Ki‡e|

26. †Kv¤úvwbwUi g~jab e¨q KZ? K 10% L 15% M 30% N 45% 27. hw` †Kv¤úvwbwUi cÖwZeQ‡i gybvdv 10%

nq Zvn‡j †KvbwU NUZ? K eëmvwqK mv`„k¨ L eëmvwqK cÖe„w× M eëmvwqK e¨_©Zv N e„nr gybvdv 28. †K›`ªxq e¨vsK †`‡ki m¤ú‡ì mylg eÈb

K‡i i. wewfbœ cÖKí cÖYqb K‡i ii. eëmvqx‡ì FY w`‡q iii. M„nxZ cÖKí ev¯Íevq‡bi gva¨‡g



29. ARR Gi c~Y©iƒc Kx? K Actual Rate of Return L Accounting Rate of Return M Annual Rate of Return N Accumulated Rate of Return 30. weeiYcÎ Kx? K †kqvi µ‡qi cÖ Íve L †Kv¤úvwbi cwiPvjbv `wjj M FY MÖn‡Yi wbqgvewj N †K› ªxq e¨vs‡Ki wb‡`©kbvgv



Self test


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1 M 2 L 3 M 4 K 5 N 6 L 7 K 8 M 9 K 10 L 11 L 12 M 13 N 14 M 15 N

16 M 17 K 18 M 19 N 20 M 21 L 22 L 23 L 24 L 25 M 26 L 27 M 28 L 29 L 30 K


94 G·K¬zwmf g‡Wj †U÷ 06

mgq : 30 wgwbU wdb¨vÝ I e¨vswKs eûwbe©vPwb Afxÿv c~Y©gvb : 30

1. A_©vqb Kx wb‡q KvR K‡i? K Znwej eë ’vcbv L cÖKí eë¯’vcbv M Drcv`b eë¯’vcbv N iÿYv‡eÿY eë ’vcbv 2. †Kvb `k‡K wek¦ evwYR¨ ms ’v (WTO)

AvZ¥cÖKvk K‡i? K 1960 L 1970 M 1980 N 1990

3. evsjv‡`‡ki †cÖÿvc‡U Avw_©K cÖwZôvb n‡jv i. AvBwmwe ii. evsjv‡`k M„n wbg©vY A_©vqb ms ’v iii. evsjv‡`k K…wl e¨vsK



4. 500 UvKvi we‡j 2% evÆv avh© Ki‡j KZ UvKv bM` cvIqv hv‡e?

K 490 UvKv L 480 UvKv M 470 UvKv N 420 UvKv 5. Af¨šÍixY Znwej Drm‡K Kq fv‡M fvM

Kiv hvq? K `yB L wZb M Pvi N cuvP

DÏxcKwU c‡o 6 I 7 bs cÖ‡kœi DËi `vI : Rbve nvmvb evwl©K 10% Pµe„w× my‡ì nv‡i

12,000 UvKv iƒcvjx e¨vs‡K Rgv iv‡L| 6. Rbve nvmv‡bi wnmv‡e 2 eQi ci KZ

UvKv Rgv n‡e? K 14,520 L 14,920 M 15,520 N 15,920 7. hw` evwl©K Pµe„w× my‡ì nvi 12% nq

Z‡e 4 eQi ci KZ UvKv Rgv n‡e? K 16,882 L 18,882 M 19,882 N 17,882

8. Òiæj 72Ó cÖ‡qvM K‡i wbY©q Kiv hvq K my‡ì cwigvY L Avmj UvKv M †gqv` N Pµe„w×i msL¨v 9. Awdm fvov wegv LiP BZ¨vwì cwigvY

†ewk n‡j †Kvb ai‡bi SzuwK m„wó nq? K Avw_©K SzuwK L my‡ì nv‡ii SzuwK M Zvij¨ SzuwK N eëmvwqK SzuwK

10. SzuwKi cwigvc Kiv nq i. wewfbœ †KŠkj Aej¤^b K‡i ii. mwVK cwiKíbvi gva¨‡g iii. cÖwZôv‡bi e¨q Kwg‡q G‡b



11. Avqe¨q wba©vi‡Yi c~‡e© †KvbwU wba©viY Ki‡Z nq?

K evÆvi nvi L gybvdvi nvi M µ‡qi cwigvY N Drcv`‡bi cwigvY 12. KLb GKwU wewb‡qvM jvfRbK e‡j cÖZxqgvb

nq Ges MÖnY‡hvM¨ e‡j we‡ewPZ nq? K bM` AvšÍtcÖevn ewntcÖevn †_‡K †ewk n‡j L bM` ewntcÖevn AvšÍtcÖevn †_‡K †ewk n‡j M weµq †ewk n‡j N µq †ewk n‡j 13. GKvšÍ †Kv¤úvwb 2,000 UvKv wjwLZ g~‡jï

10 kZvsk AMÖvwaKvi †kqvi evRv‡i wewµ K‡i Ges cÖwZwU †kqvi †_‡K 1,640 UvKv cvIqvi cÖZ¨vkv K‡i| D³ †kqv‡ii e¨q KZ?

K 12.20% L 14.20% M 16.20% N 18.20% 14. k~b¨ jf¨vsk e„w× c×wZ‡Z mvaviY †kqvi

g~jab e¨q KZ? K jf¨vsk1 /†kqvig~j¨0

L †kqvig~j¨0/ jf¨vsk1 M FY/jf¨vsk N jf¨vsk/FY 15. cÖeZ©‡Ki †kqvi e‡j AwfwnZ Kiv nq †KvbwU‡K? K wejw¤^Z †kqvi‡K L ivBU †kqvi‡K M AMÖvwaKvi †kqvi‡K N †evbvm †kqvi‡K DÏxcKwU c‡o 16 I 17bs cÖ‡kœi DËi `vI : Rvgvj mv‡ne GKwU †Kv¤úvwbi 100 UvKv

g~‡jï 100 †kqv‡ii gvwjK| †Kv¤úvwb cÖwZ eQi cÖwZ †kqv‡i 100 UvKv wn‡m‡e jf¨vsk cÖ`v‡bi wm×všÍ wbj|

16. D³ †Kv¤úvwb jf¨vsk cÖ`v‡bi †ÿ‡Î †Kvb bxwZ AbymiY K‡i?

K w¯’wZkxj UvKv jf¨vsk bxwZ L jf¨vsk cÖ`vb AbycvZ bxwZ M AwZwi³ jf¨vsk bxwZ N w¯’i jf¨vs‡ki mv‡_ AwZwi³ jf¨vsk bxwZ 17. Rvgvj mv‡ne KZ UvKv jf¨vsk cv‡eb? K 100 L 500 M 1,000 N 10,000 18. wb‡Pi †KvbwU `ªe¨ wewbgq cÖ_vi mgm¨v? K mÂq Amyweav L wg‡ji Afve M cÖ‡qvRb wfbœZv N Dc‡hv‡Mi Afve 19. gyw³hy‡×i cieZx© mg‡q evsjv‡`‡k KqwU

e¨vsK Kg© iZ wQj? K 10wU L 11wU M 12wU N 13wU 20. †hŠ_ gvwjKvbvq cÖwZwôZ n‡qI †Kvb

e¨vsK wbR wbR mËv AÿzYœ †i‡L e¨vsK Kvh©µg K‡i?

K MÖæc e¨vsK L kvLv e¨vsK M †PBb e¨vsK N GKK e¨vsK 21. evwYwR¨K e¨vsK RbmvaviY‡K cÖ`vb K‡i

i. Rxe‡bi wbivcËv ii. A‡_©i wbivcËv iii. g~jëvb Mnbvi wbivcËv



22. ivRkvnx K…wl Dbœqb e¨vsK †Kvb ai‡bi e¨vsK? K evwYwR¨K e¨vsK L mnvqK e¨vsK M we‡kl e¨vsK N AvÂwjK e¨vsK 23. cÖZ¨qcÎ Kvi AbyK‚‡j Bmy¨ Kiv nq? K miKvi L Avg`vwbKviK M e¨vsK N ißvwbKviK 24. Ag„Zvi ¯^vgx we‡`k †_‡K msmvi Pvjv‡bvi

Rb¨ †h UvKv cvVvb Zvi GKwU eo Ask Ajm wn‡m‡e c‡o _v‡K| wZwb e¨vsK wnmve Lyj‡Z PvB‡j Zvi Kx Kiv DwPZ?

K ’vqx AvgvbZ ivLv L PjwZ wnmve †Lvjv M mÂqx wnmve †Lvjv N †kqvi µq Kiv 25. wbw`©ó †gqv` †k‡l my`mn RgvKvix A_©

†diZ †Ìqv nq †Kvb wnmv‡e? K PjwZ L mÂqx M DPS N RFCD wnmv‡e 26. RFCD Kx? K Reliable Freight Co-operation Department L Resident Foreign Currency Deposit M Remittance Foreign Currency Deposit N Reliable Freight Currency Department DÏxcKwU c‡o 27 I 28bs cÖ‡kœi DËi `vI : wg. ivqnvb e¨vsK wnmve Ly‡j‡Qb| G

wnmve †Lvjvi ga¨ w`‡q Zvi †hgb wKQy AwaKvi m„wó n‡q‡Q †Zgwb wKQy `vwqZ¡I m„wó n‡q‡Q|

27. wnmve †Lvjvi gva¨‡g AvBbMZfv‡e wg. ivqnv‡bi mv‡_ e¨vs‡Ki Kxiƒc m¤ú‡K©i m„wó n‡q‡Q?

K eëmvwqK m¤úK© L †WUi-†µwWUi m¤úK© M Pzw³e× m¤úK© N MÖvnK cÖwZwba m¤úK© 28. wg. ivqnvb `vwqZ¡ cvjb Ki‡Z cv‡i



29. ivóªcwZi Av‡`‡k evsjv‡`‡ki †K›`ªxq e¨vsK KZ mv‡j cÖwZwôZ nq?

K 1972 mv‡ji 31 wW‡m¤î L 1971 mv‡ji 16 wW‡m¤î M 1972 mv‡ji 31 A‡±vei N 1971 mv‡ji 31 A‡±vei 30. wb‡Pi †KvbwU †K› ªxq e¨vs‡Ki mvaviY

Kvh©vewji AšÍfz©³? K wbKvkNi L eva¨Zvg~jK Znwej msiÿY M †jb‡`b m¤úv`b N gy`ªvi µqÿgZv wbqš¿Y



Self test


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1 K 2 N 3 N 4 K 5 K 6 K 7 L 8 M 9 N 10 K 11 K 12 K 13 K 14 K 15 K

16 K 17 N 18 K 19 M 20 M 21 M 22 N 23 N 24 M 25 M 26 L 27 M 28 K 29 M 30 N


NCTB KZ…©K cÖ`Ë P‚ovšÍ gvbeÈ‡bi Av‡jv‡K G·K¬zwmf g‡Wj †U÷ : m„Rbkxj

gv÷vi †UªBbvi c¨v‡bj KZ…©K

cÖYxZ

95 G·K¬zwmf g‡Wj †U÷ 07 mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-Ask : wdb¨vÝ 1 mygbv Zvi eëmv‡qi AwR©Z Avq Øviv ˆ`bw›`b KvR cwiPvjbv Kivi

ci DØ„Ë mÂq K‡ib| Zvi eëmv m¤úÖmvi‡Yi R‡b¨ `yBwU wd«R †Kbv cÖ‡qvRb GR‡b¨ †m evwYwR¨K e¨vsK †_‡K FY MÖnY K‡i A_©ms ’vb Kivi wm×všÍ wb‡q‡Qb| K. A_©vqb Kv‡K e‡j? 1 L. FYcÎ Kx? e¨vL¨v Ki| 2 M. mygbv eëmv‡qi ˆ`bw›`b KvR cwiPvjbvi R‡b¨ A_©vq‡bi

†Kvb bxwZ AbymiY K‡ib e¨vL¨v Ki| 3 N. mygbvi wd«R µ‡qi Rb¨ FY MÖn‡Yi wm×v‡šÍi †hŠw³KZv we‡kølY Ki| 4

2 wgRvbyi ingvb mv‡ne Zvi †cbk‡bi 10,00,000 UvKv 5 eQ‡ii Rb¨ e¨vs‡K Rgv ivL‡Z PvB‡j MÖxb e¨vsK 10% nv‡i Pµe„w× gybvdv w`‡Z PvBj| Aciw`‡K Zvi eÜy Zv‡K hgybv e¨vs‡K GKB mg‡qi Rb¨ D³ UvKv 9% nv‡i cÖwZ `yB gvm AšÍi Pµe„w× gybvdvi wfwË‡Z Rgv ivLvi civgk© †`b| K. A‡_©i mgqg~‡jï aviYvwU Kx? 1 L. mij my` A‡cÿv Pµe„w× my‡ì cwigvY †ewk nIqvi KviY e¨vL¨v Ki| 2 M. wgRvbyi ingvb mv‡ne MÖxb e¨vs‡K UvKv Rgv ivL‡j D³

mg‡qi KZ UvKv †diZ cv‡eb? 3 N. wgRvbyi ingvb mv‡n‡ei Rb¨ †Kvb e¨vs‡K UvKv ivLv

jvfRbK e‡j Zzwg g‡b Ki| †Kb jvfRbK hyw³ †`LvI| 4 3 Zgvj †UªwWs 6,00,000 UvKvi QvcvmsµvšÍ †gwkbvwi †Kvwiqv †_‡K Avg`vwb

K‡ib| †gwkb¸wj 5 eQi †gqv`x Ges G‡ì evwl©K AePq 1,20,000 UvKv| AvMvgx 5 eQi †gwkb¸wj †_‡K cÖvc¨ wbU gybvdv wb¤œiƒc :

eQi 1g 2q 3q 4_© 5g wbU gybvdv 65,000 75,000 85,000 90,000 95,000

K. g~jab ev‡RwUs Kx? 1 L. cY¨ êwPÎ¨vqb Kx? †Kb Kiv nq? 2 M. Zgvj †UªwWs‡qi Mo gybvdvi nvi wbY©q Ki| 3 N. Zgvj †UªwWs‡qi †c-e¨vsK mgq wbY©q K‡i MÖnY‡hvM¨ wKbv

gZvgZ `vI| 4 4 GmGmwm cvm Kivi ci A‡_©i Afv‡e iZb Avi †jLvcov Ki‡Z

cv‡iwb| cieZ©x mg‡q †Kv_vI PvKwi bv †c‡q hye Dbœqb Awa`ßi †_‡K grm¨ Pv‡li Dci cÖwkÿY wb‡q grm¨ Pvl ïiæ K‡i| Avw_©K mgm¨v wbim‡b wZwb miKvwi Avw_©K cÖwZôvb I ’vbxq †emiKvwi cÖwZôv‡bi kiYvcbœ nb| K. A_©vq‡bi Drm‡K g~jZ Kq fv‡M fvM Kiv hvq? 1 L. eëmvq m¤úÖmvi‡Y mwÂwZ Znwe‡ji f‚wgKvwU e¨vL¨v Ki| 2 M. iZb‡K mvnvh¨Kvix miKvwi Avw_©K cÖwZôvbwU †Kvb ai‡bi

cÖwZôvb? eY©bv Ki| 3 N. iZ‡bi g‡Zv hyemgvR‡K ¯^wbf©i Kivi †ÿ‡Î †emiKvwi

cÖwZôvb¸‡jv Kx f‚wgKv cvjb Ki‡Z cv‡i? we‡kølY Ki| 4 5 Rbve mvMi GKRb wewb‡qvMKvix| wZwb g~ja‡bi 50% mvaviY

†kqvi Ges 50% eÛ †_‡K A_©vqb K‡ib| Zvi wbKU wewb‡qv‡Mi Rb¨ A I B `yBwU cÖKí i‡q‡Q| Avkv Kiv n‡”Q cÖKí 'A' †_‡K AvMvgx 5 eQ‡i Avq n‡e h_vµ‡g 10%, 12%, 8%, 0% I 9% Ges cÖKí 'B' Gi Av`k© wePz¨wZ 12%|

K. SzuwK Kx? 1 L. †Kvb wewb‡qvM Lv‡Z wewb‡qvMKvixi Av‡qi m¤¢vebv me©vwaK?

e¨vL¨v Ki| 2 M. Rbve mvM‡ii A_©vq‡bi †ÿ‡Î †Kvb SzuwK we`¨gvb? e¨vL¨v Ki| 3 N. Rbve mvM‡ii †Kvb cÖK‡í wewb‡qvM Kiv DwPZ? Av`k©

wePz¨wZ wbY©‡qi gva¨‡g gZvgZ `vI| 4 6 ivûj ivq Kwig MÖæc‡K Rvgvb‡Zi wecixZ 60 jÿ UvKv †`b|

cieZ©x‡Z wZwb †Kv¤úvwbi gvwjKvbv I †Kv¤úvwbi cwiPvjbv cl©` wbe©vP‡bi cÖZ¨vkvq wewb‡qv‡Mi aib cwieZ©‡bi wm×všÍ †bb|

K. †kqvi Kx? 1 L. †kqv‡ii cÖv_wgK evRvi ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. Kwig MÖæc A_©vq‡bi †Kvb gva¨‡g eënvi K‡i‡Qb? e¨vL¨v Ki| 3 N. ivû‡ji wewb‡qv‡Mi aib cwieZ©‡bi †hŠw³KZv we‡kølY Ki| 4

L-wefvM : e¨vswKs 7 gvby‡li A_©‰bwZK Kg©Kv‡Ð avivevwnKZvi gy`ªvi e¨vcK cÖmvi N‡U

Ges gy`ªvi cÖPjb I mÂvj‡bi Rb¨ e¨vs‡Ki D™¢e nq| e¨vsK I e¨vsKv‡ii gva¨‡g e¨vswKs Kvh©vewj cwiPvwjZ nq, Z‡e e¨vsK eëmv‡qi cÖavb Dcv`vb gy`ªv| K. KvMwR gy`ªv KLb cÖPjb nq? 1 L. Barter System Kx? e¨vL¨v Ki| 2 M. e¨vswKs I e¨vsKv‡ii Kv‡Ri m¤úK© DÏxc‡Ki Av‡jv‡K eY©bv Ki| 3 N. Ògy`ªvB e¨vsK eëmv‡qi cÖavb Dcv`vbÓ DÏxc‡Ki

Av‡jv‡K we‡kølY Ki| 4 8 PCB e¨vsK gybvdv AR©‡bi D‡Ï‡k¨ A‡_©i eëmvqx wnmv‡e

AvZ¥cÖKvk K‡i| Rš§jMœ †_‡KB †K›`ªxq e¨vs‡Ki wbKU hveZxq Kvh©cÎ †cÖiY K‡i Ges †K›`ªxq e¨vs‡Ki hveZxq wbqgKvbyb †g‡b P‡j| m¤úªwZ A_©‰bwZK g›`vi Kvi‡Y MÖvn‡Ki Pvwn`v †gUv‡Z †K›`ªxq e¨vs‡Ki Kv‡Q mvnvh¨ Kvgbv K‡ib| K. e¨vswKs eëmv‡q Znwe‡ji g~j Drm Kx? 1 L. ¯‹zj e¨vswKs ej‡Z Kx †evSvq? 2 M. Kvh©wfwËK †kÖwYKi‡Y PCB e¨vsK †Kvb ai‡bi e¨vsK? eY©bv Ki| 3 N. †K›`ªxq e¨vsK Kx PCB e¨vsK‡K mvnvh¨ Ki‡e? hyw³mn

gZvgZ `vI| 4 9 kvqjv AvKZvi Zvi cÖwZ‡ekx ivqbvi evwo‡Z iv‡Z WvKvwZi K_v

ï‡b, †m Zvi wb‡Ri Mnbv I g~jëvb `wjjcÎ GKwU e¨vs‡K Rgv iv‡Lb| Rgv ivLvi mgq eë ’vcK kvqjv‡K Zvi cÖ‡qvR‡b FY w`‡Z Pvb Ges e‡jb, ÒGfv‡e †`‡ki gvby‡li †mev cÖ`vb KivB Avgv‡ì KvR|Ó K. evwYwR¨K e¨vs‡Ki †gŠwjK D‡Ïk¨ Kx? 1 L. evwYwR¨K e¨vsK Kxfv‡e g~jab MVb K‡i? e¨vL¨v Ki| 2 M. ivqbvi g‡Zv gvbyl‡ì `yN©Ubv Gov‡Z e¨vs‡Ki f‚wgKv eY©bv Ki| 3 N. Ògvby‡li †mev KivB Avgv‡ì KvRÓ eë ’vc‡Ki Dw³wUi

h_v_© we‡kølY Ki| 4 10 mRj Lyjbvq PvKwi Kivi mgq 'M' bvgK GKwU e¨vs‡K wnmve †Lv‡jb,

ZLb Zvi PvPv mR‡ji wnmv‡e 20,000 UvKv cvVvb| mRj Zvi †PK w`‡q 20,000 UvKv Zz‡j †bb| Gi ci mRj XvKvq e`jx n‡j MZ 6 eQ‡ii g‡a¨ 'M' e¨vs‡K †Kv‡bv †jb‡`b K‡ib bv| 6 eQi ci GKw`b Rvb‡Z cvij mR‡ji wnmvewU e¨vsK KZ…©cÿ eÜ K‡i w`‡q‡Q| K. †PK Kx? 1 L. PjwZ wnmve Kv‡ì Rb¨ LyeB RbwcÖq? e¨vL¨v Ki| 2 M. mR‡ji g‡Zv MÖvn‡Ki Rb¨ e¨vsK Kx ai‡bi `vwqZ¡ cvjb

K‡i eY©bv `vI| 3 N. mR‡ji wnmvewU eÜ K‡i †Ìqv e¨vs‡Ki †hŠw³K we‡kølY Ki| 4

11 †mvnvb mv‡ne GKRb e¨vsKvi| Zvi †Q‡j e¨vs‡Ki †jb‡`b †`‡L †mvnvb mv‡ne‡K cÖkœ Ki‡jv, Òevev GZ UvKv gvbyl‡K `vI †Zvgv‡ì e¨vs‡Ki UvKvi NvUwZ nq bv?Ó DË‡i †mvnvb mv‡ne ej‡jb, 'Z' bvgK GKwU e¨vsK Av‡Q †h Avgv‡ì g‡Zv †h †Kvb e¨vsK‡K mvnvh¨ K‡i| hv‡K e¨vsK mgv‡Ri †bZv ejv nq, ïay ZvB bq †mB e¨vsKwU miKv‡iiI e¨vsK| K. wbKvk Ni Kx? 1 L. FY wbqš¿Y ej‡Z Kx †evSvq? e¨vL¨v Ki| 2 M. †mvnvb mv‡ne 'Z' bvgK e¨vsK ej‡Z †Kvb e¨vs‡Ki K_v

eywS‡q‡Qb? 'Z' e¨vsK‡K e¨vsK mgv‡Ri †bZv ejv nq †Kb? eY©bv Ki| 3

N. 'Z' e¨vsK miKv‡ii e¨vsKÓ †Zvgvi gZvgZ we‡kølY Ki| 4


96 G·K¬zwmf g‡Wj †U÷ 08

mgq : 2 NÈv 30 wgwbU wdb¨vÝ I e¨vswKs m„Rbkxj cÖkœ c~Y©gvb : 70

K-wefvM : wdb¨vÝ 1 ZvBdv GKwU †Kv¤úvwbi eë ’vcK| wZwb GKw`‡K A_©vqb Ges

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K‡ib e¨vL¨v Ki| 3 N. DÏxc‡K DwjøwLZ e¨w³i A_©vqb `yBwU Zvi †Kv¤úvwbi Rb¨

KZUzKz h‡_vchy³ eY©bv Ki| 4 2 bynv †UªWvm© wewfbœ Dr‡m g~jab wewb‡qvM K‡ib|

†ÿÎ Drm UvKv P †kqvi 15 jÿ Q eÛ 12 jÿ R wW‡eÂvi 10 jÿ

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3 gvIqv MÖæc wewb‡qvwRZ 1 †KvwU UvKv Ges cÖK‡íi 30% Kimn 5 eQ‡ii Kic~e©eZ©x Avq wb¤œiƒc :

Avq (jÿ UvKvq) cÖK‡íi bvg eQi-1 eQi-2 eQi-3 eQi-4 eQi-5

wPwb 40 25 40 12 65

K. Mo †_‡K eëav‡bi m~Î Kx? 1 L. my` nv‡ii SzuwK ej‡Z Kx †evSvq? 2 M. gvIqv MÖæ‡ci wPwb cÖK‡íi Mo gybvdvi nvi wbY©q Ki| 3 N. gvIqv MÖæ‡ci cÖK‡íi A_© KZ mg‡q †diZ Avm‡e? 4

4 D`q †Kv¤úvwb cÖwZeQi 8% nv‡i jf¨vsk †`q| 2019 mv‡j †kqvi cÖwZ 15 UvKv jf¨vsk †NvlYv K‡i Ges †Kv¤úvwbwUi AbywgZ jf¨vsk e„w×i nvi 10%| †Kv¤úvwbi cÖwZ †kqv‡ii eZ©gvb evRvig~j¨ 250 UvKv I evRvi LiP 50 UvKv| K. Kvg¨ FYbxwZ Kx? 1 L. bM` I ÷K jf¨vs‡ki `yBwU cv_©K¨ †jL| 2 M. k~b¨ jf¨vsk Kx Ges GwU e„w×‡Z D`q †Kv¤úvwbi †kqvi

g~jab e¨q KZ n‡e? wbY©q Ki| 3 N. †Kv¤úvwbi mvaviY †kqv‡ii e¨q wbY©q K‡i †Kv¤úvwbi Rb¨

†KvbwU hyw³m½Z Zzwg g‡b Ki| 4 5 Rbve dvnv` GKwU bZzb eëmv cÖwZôvb †Lvjvi c~‡e© Af¨šÍixY

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Dw³wUi h_v_©Zv we‡kølY Ki| 4

6 Rbve †g‡n`x gnvRb †_‡K mvßvwnK 112% nv‡i Pµe„w× my‡` FY

MÖnY K‡ib| Zvi eÜy gvwmK 3% nv‡i F‡Yi cÖ Íve †`b|

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N. Rbve †g‡n`xi Rb¨ eÜyi cÖ¯ÍvewU wK MÖnY‡hvM¨ n‡e?

MvwYwZKfv‡e we‡kølY Ki| 4

L-wefvM : e¨vswKs

7 evsjv e¨vsK FY cÖ`v‡bi gva¨‡g AvgvbZ m„wó Ki‡Q I wewfbœ wnmv‡e

f‚wgKv ivL‡Q| e¨vsK Zvi Znwe‡ji cÖwZ we‡kl `„wó ivL‡Q|

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M. evsjv e¨vsK Kxfv‡e FY AvgvbZ m„wó K‡i e¨vL¨v Ki| 3

N. DÏxc‡Ki †k‡lv³ DØ„ËwU e¨vs‡Ki Znwe‡ji †Kvb †Kvb

`„wói g‡a¨ c‡o? we‡kølY Ki| 4

8 Rbve iZœ Zvi †eZ‡bi UvKvi wKQy Ask cÖwZ gv‡m e¨vs‡K Rgv nq|

wZwb e¨vs‡Ki cÖwZ `vwqZ¡ cvjb K‡ib Ges e¨vsKI Zv‡K wKQy

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g‡b Ki? Zv we‡kølY Ki| 4

9 Gwe e¨vsK GKwU ¯^bvgab¨ cÖwZôvb| e¨vsKwU gybvdv AR©b D‡Ïk¨

QvovI wewfbœ †mevg~jK Kg©KvÐ m¤úv`b K‡i| Gwe e¨vsK

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L. cÖZ¨qbcÎ Kx? 2

M. Gwe e¨vsK gybvdv AR©b QvovI †hme D‡Ïk¨ wb‡q MwVZ

n‡q‡Q Zv e¨vL¨v Ki| 3

N. Gwe e¨vsK †mevg~jK Kv‡Ri gva¨‡g Kxfv‡e Avq K‡i

we‡kølY Ki| 4

10 Rbve †bnvi XvKvi bevecy‡i wbR¯^ †`vKvb †_‡K B‡jwUªK mvgMÖx

cvBKvwi I LyPiv wewµ K‡ib| Z‡e XvKvi mvb †UªWv‡m©i KvQ †_‡K

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D‡Ëvjb K‡ib, wKš‘ 2q †PKwUi UvKv e¨vsK bM‡` cwi‡kva bv K‡i

Zv‡K Zvi e¨vsK wnmv‡ei gva¨‡g Dc ’vcb Ki‡Z e‡jb|

K. evsjv‡`k e¨vs‡Ki wbe©vnx cwiPvjK KZ Rb? 1

L. †K›`ªxq e¨vsK evsjv‡`‡k Kxfv‡e DrcwË N‡U? e¨vL¨v Ki| 2

M. mvb †UªWvm© n‡Z cÖvß 1g †PKwU †Kvb ai‡bi? eY©bv Ki| 3

N. †jb‡`‡bi wbivcËv weav‡b 2q †PKwUB DËg gZvgZ `vI| 4

11 mvwgb Bs‡iwR e¨vs‡K wnmve †Lvjvi mgq wKQy Z_¨ †Mvcb iv‡Lb|

e¨vsK hLb eyS‡Z cv‡i ZLb Zvi wnmvewU eÜ K‡i †`q| hv

e¨vs‡Ki `vwq‡Z¡i g‡a¨ c‡o|

K. g~jab MV‡bi Bs‡iwR kã Kx? 1

L. †K›`ªxq e¨vs‡K mKj e¨vs‡Ki e¨vsKvi ejv nq †Kb? 2

M. mvwgb †Kvb bxwZ Agvb¨ Kivi d‡j Zvi wnmvewU eÜ nq?

e¨vL¨v Ki| 3

N. Bs‡iwR e¨vsK I mvwg‡bi g‡a¨ m¤ú‡K©i Aemvb Kx Kx

Kvi‡Y N‡U _v‡K? we‡kølY Ki| 4



K-wefvM : wdb¨vÝ 1 Rbve Kvqmvi GKRb mewR eëmvqx| XvKvi KviIqvb evRv‡i Zvi

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†Kvb Drm eënvi K‡ib? e¨vL¨v Ki| 3 N. Rbve Kvqmv‡ii eëmvq mPj ivL‡Z kvgx‡gi g‡Zv

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¯^Y©vjx e¨vs‡K KZ UvKv ivL‡Z n‡e? wbY©q Ki| 3 N. gvmy‡gi Rb¨ †Kvb e¨vs‡K UvKv ivLv jvfRbK? gZvgZ `vI| 4

3 mvbwR`v Bmjvg bZzb cÖhyw³ eënvi K‡i wµ‡qwUf cÖK‡í Zvi g~jab wewb‡qvM K‡i‡Qb| MZ cuvP eQ‡i Zvi AwR©Z gybvdvi nvi wQj h_vµ‡g 12%, 14%, 8%, 7% I 6%| wZwb jÿ Ki‡jb weMZ cuvP eQ‡i Zvi cÖvß Av‡qi g‡a¨ ZviZg¨ †ewk n‡”Q| K. †UªRvwi wej †K Bmy¨ K‡i? 1 L. SzuwK eë¯’vcbvi Rb¨ SzuwKi Drm †LuvRv Riæwi †Kb? e¨vL¨v Ki| 2 M. wµ‡qwUf cÖK‡íi Av`k© wePz¨wZ wbY©q Ki| 3 N. DÏxc‡K ewY©Z wewb‡qv‡M hw` Av`k© wePz¨wZ Mo Av‡qi †P‡q

†ewk nq Z‡e mvbwR`v Bmjv‡gi KiYxq Kx n‡Z cv‡i e‡j Zzwg g‡b Ki? hyw³ †`LvI| 4

4 Rbve wgVz GKwU cÖKí MÖnY K‡i‡Qb| cÖKíwUi cÖv_wgK wewb‡qvM 60,000 UvKv| AePq I Ki cÖ`v‡bi c~‡e© D³ cÖKí n‡Z cÖ_g 5 eQi ch©šÍ h_vµ‡g 10,000 UvKv, 15,000 UvKv, 20,000 UvKv, 25,000 UvKv Ges 10,000 UvKv cvIqv hv‡e| K‡ii nvi 20%| mij‰iwLK c×wZ‡Z Rbve wgVz AePq avh© K‡ib| K. g~jab ev‡RwUs Kx? 1 L. evÆv nvi cÖ‡qvRb nq †Kb? e¨vL¨v Ki| 2 M. Rbve wgVzi cÖK‡íi Mo gybvdvi nvi KZ wbY©q Ki| 3 N. D³ cÖK‡íi †c-e¨vK mgq wbY©q Ki| 4

5 Rxeb I wR`vb `yB eÜy GKwU †emiKvwi cÖwZôv‡b Kg©iZ| Zv‡ì `yR‡bi nv‡Z Rgv‡bv wKQy UvKv i‡q‡Q hv Zviv jvfRbK Lv‡Z wewb‡qv‡M AvMÖnx| gybvdv Kg n‡jI Rxeb Pvq SzuwKnxb wbivc` wewb‡qvM| Aciw`‡K wR`vb P¨v‡jÄ MÖnY Ki‡Z cQ›` K‡i| ZvB †m AwaK gybvdv AR©‡bi Rb¨ SzuwK wb‡ZI cÖ ‘Z| K. †kqvi Kx? 1 L. ÷K jf¨vsk ej‡Z Kx †evSvq? 2 M. wg. Rxe‡bi Rb¨ h‡_vchy³ wewb‡qvM †ÿÎ¸‡jv Kx Kx? e¨vL¨v Ki| 3 N. wR`v‡bi †Kv_vq wewb‡qvM Kiv mgxPxb n‡e e‡j Zzwg g‡b

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K. wewb‡qvMKvix‡ì cÖZ¨vwkZ Avq‡K eëmv‡q Kx e‡j? 1 L. msiwÿZ Av‡qi e¨q Kv‡K e‡j? e¨vL¨v Ki| 2 M. †Kv¤úvwbi AMÖvwaKvi †kqv‡ii e¨q KZ? 3 N. †Kv¤úvwbwUi †Kvb †kqv‡i wewb‡qvM Ki‡j Zzwg jvfevb n‡e?

hyw³ †`LvI| 4 L-wefvM : e¨vswKs

7 Abb¨v †Uwjwfkb cÖ¯‘ZKvix cÖwZôv‡bi ¯^Z¡vwaKvix Rbve gvngy` Ô†`v‡qj e¨vsKÕ Gi e¨vsK wnmv‡ei gva¨‡g wewfbœ †Rjvi †µZv‡ì mv‡_ †jb‡`b K‡ib| †`‡ki cÖwZwU †Rjvq Ô†`v‡qj e¨vsKÕ bv‡g e¨vsK _vKvq †µZv‡ì c‡ÿI Zvi mv‡_ †jb‡`b Ki‡Z myweav nq| †jb‡`b h_vh_ nIqvq Zvi e¨vsK wnmv‡e ch©vß A_© i‡q‡Q| Px‡bi GKwU †Kv¤úvwbi wbKU wZwb †Uwjwfkb hš¿vsk µ‡qi cÖ¯Íve w`‡j D³ †Kv¤úvwb AwMÖg A_© `vwe K‡i| G e¨vcv‡i mvnv‡hï Rb¨ wZwb †`v‡qj e¨vs‡Ki wbKU hvb| K. Avw_©K m”QjZvi Afv‡e e¨vsK Kx n‡Z cv‡i? 1 L. BRviv Kx? eY©bv Ki| 2 M. KvVv‡gvwfwËK †kÖwY Abyhvqx †`v‡qj e¨vsK †Kvb ai‡bi

e¨vsK? e¨vL¨v Ki| 3 N. hš¿vsk µ‡q Ô†`v‡qj e¨vsKÕ Rbve gvngy`‡K Kxfv‡e mvnvh¨

Ki‡e? we‡kølY Ki| 4 8 nvmvb GKRb ÿz`ª eëmvqx| e¨vs‡K Zvi †Kv‡bv wnmve bv _vK‡jI

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A_© cwi‡kva Ki‡Z cvi‡Q bv? eY©bv Ki| 3 N. iƒcK_v e¨vsK Avw_©K msK‡U ÔKÕ e¨vs‡Ki kiYvcbœ nIqvi

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K-wefvM : wdb¨vÝ 1 ÿz`ª wewb‡qvMKvix Rvwid 20 jÿ UvKv cyuwR wb‡q †kqvi eëmvq ïiæ

K‡ib| wZwb mgy`q A_© wb‡q 'A' †Kv¤úvwbi †kqvi µq K‡ib| wKš‘ nVvr †kqv‡ii ìcZb n‡j Rvwi‡di jv‡fi cwie‡Z© g~jab n«vm †cj| GgZve¯’vq wZwb GKRb wewb‡qvM civgk©`vZvi Kv‡Q †M‡j Rvwid‡K cieZx© GKvwaK cÖK‡í wewb‡qvM Kivi civgk© †`b| K. †Kvb mgq Drcv`b †KŠkj RwUj nq? 1 L. Zvij¨ ebvg gybvdv bxwZ ej‡Z Kx †evSvq? 2

M. Rvwi‡di wewb‡qvM A_©vq‡bi †Kvb bxwZwU jw½Z n‡q‡Q e¨vL¨v Ki| 3

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we‡kølY Ki| 4 4 wg. wgjb gaygwZ I BiveZx `yBwU cÖK‡í Zvi g~jab wewb‡qvM

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gaygwZ 12% 13% 6% 10% 9% BiveZx 15% 12% 10% 8% 16%

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m„Rbkxj wdb¨vÝ I e¨vswKs - Lecture Publications

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