J«mhH$ {VVwH$m oidmdm o$~«wdmar 2018

nwz{d H$mg àh$ënmvrb OwÝ`m a{hdmí`m Zmhr aoammo g aju nwz{d H$mg àh$ënmvrb OwZo a{hdmgr ho aoam H$m`ÚmVrb ì`m»`ozwgma "Allottee' AgyZ g nyu nwz{d H$mg àh$ën (OwZo a{hdmgr d Zì`mZo IaoXr H$aUmè`m Ka IaoXrXma J«mhH$m gh) aoam H$m`ÚmÀ`m H$joV `ov Agë`mMm hîdnyu Iwbmgm " hmaoam'mo AÜ`j Jm V MQ>Ou `m Zr Ho$bm Amho. " hmaoam'zo H$mhr {Xdgm nydu {Xboë`m EH$m {ZU `m wio nwz{d H$mgmVrb ~myrv J«mhH$m Zm aoam A VJ V g aju Zmhr, Aem Ame mà m ~mvå`m àgmarv Pmë`m hmoë`m. Ë`mbm AZwbjyZ {dmmaboë`m EH$m àízmbm CÎma XoVmZm Jm V MQ>Ou `m Zr hm Iwbmgm Ho$bm. mì Ë`mM~amo~a Ë`m Zr nwuo nor>omr ju{mìo nwt>o Agohr gm {JVbo H$s, Aem ~myrv a{hdmí`m Zr aoam H$m`ÚmVrb VaVwXtMm {dh$mgh$mzo ^ J Ho$ë`mMo XmIdyZ {Xbo, VaM hmaoam Aem a{hdmí`m Zm {Xbmgm XoD$ eho$b. àñvm{dv gm Oñ` Mmdarb gxñ`m gmr>r hmaoam Am`mo{OV XmoZ {Xdgr` à{eju {e~ra ZwH$VoM a JemaXm `owo g nþ Pmbo. {e~ramà`m g mamonmà`m doir Jm V MQ>Ou `m Zr gxa hîdnyu Iwbmgm Ho$bm. `mdoir w ~B J«mhH$ n Mm`VrMo H$m`m Ü`j {earf Xoenm So> VgoM ZmaoS>H$mo `m {dh$mgh$m À`m g KQ>ZoMo AÜ`j {Za OZ {hamz XmZr CnpñWV hmovo. Amßnmgmho~m Zr {Xdm cmdcm, nor>omm AmZ X {ÛJwUrV Pmcm nwuo nor>ovrc ImÚnXmW {dooë m Mo A{^Z XZ IaoXrMm AmZ X VéU {nt>rmmhr CÎm à{vgmx 2

J«mhH$ {VVwH$m oidmdm 1 o$~«wdmar 2018 mk/ $mëjwz eho$ 1939 {dídñv S>i àm. S>m. am Xmg O. JwOamWr S>m. ~mi $m S>Ho$ b{bvm Hw$iH$Uu aqdð hmoz AZwamYm Jmoao AÜ`j àm. S>m. am Xmg O. JwOamWr CnmÜ`j S>m. ~mi $m S>Ho$ w ~B J«mhH$ n Mm`V H$m` H$m[aUr H$m` H$mar S>i A S>. {earf Xoenm So> (H$m`m Ü`j) {Z{eH$m V JwO a (H$m`m}nmÜ`j) Á`moVr mos>h$ (H$m`m}nmÜ`j) A{ZVm ImZmobH$a (H$m` dmh) m{uh$ XmVma (H$m` dmh) A^` XmVma (I{OZXma) g^mgx AZwamYm Xoenm So> A Obr Iao amo Ð amuo ew^xm Mm H$a erbm XodioH$a A{dZme $mq>h$ AZKm AmMaoH$a YwgyXZ Omoer {dzm H$ gmo U (ñdrh $V) {Z {ÌV àm. H$ imh$a n S>go g{dvm Xm Xo AÜ`j, IaoXr g{ Vr `m A H$mV à{gõ Pmboë`m Vm er g nmxh$/ g KQ>Zm gh V AgVrbM Ago Zmhr. AZwH«$ {UH$m nwz{d H$mg àh$ënmvrb OwÝ`m a{hdmí`m Zmhr aoammo g aju 2 {eju g ñwm À`m Om{hamVtda ~ Xr 4 g nmxh$s` 5 gm Oñ M - nwxeu nm S>m! 6 IaoXr g{ VrMm Ah Xm~mX Xm am 8 Aer ~ZVo VyaS>mi 9 nwuo nor> CËgmhmV g nþ! 10 Xmnmobr nor>omo `e! 11 gxmof mo~mb bmm navmdm { imbm! 12 wbw S> {d^mjr` oimdm 13 S>m {~dbr {d^mjmmm oimdm 13 dmmy AmZ Xo 14 ~moardcrv H$m H$Ë mªmo {e~ra 15 A Yoar-OmoJoœar CËgmhr oimdm 16 F.R.D.I.Mr JaO H$m`? 17 New Consumer Protection Bill-2018... 18 Xmnmocr nor>omr ju{mìo 19 Major MGP Initiative MahaRERA... 20 gm Oñ M - à{eju H$m H«$ 20 hîdmmm {ZU ` g ñwoà`m g^mgx ewëh$mda Zì`mZo dñvy Am{U godm H$a bmjy Pmë`m wio (18%) 1 E{àb 2018 nmgyz g ñwomo g KgXñ` Am{U gh`mojr g^mgx `m Mo dm{f H$ ewëh$ dmt>dyz Vo dñvy d godm H$amgh é. 240/- à{v g^mgx H$aÊ`mV Amco Amho, `mmr g^mgxm Zr Zm X `mdr. g nmxh$ - ew^xm Mm H$a g nmxh$s gmhmæ - mzgr H$Mao g mjma - S>m. am Xmg JwOamWr, A S>. {earf Xoenm S>o, dg wyam XodYa win ð> :- aí r Hw$cH$Uu AjaOwiUr d amzm, H$bm d wðu - B {S> m qàqq>j d³g, ds>mim, w ~B Printed & Published by NISHIKANT VINAYAK GURJAR on behalf of Mumbai Grahak Panchayat, Printed at India Printing Works, 42 G. D. Ambekar Marg, Wadala, Mumbai - 400 031 and Published at Mumbai Grahak Panchayat, Grahak Bhawan, Sant Dnyaneshwar Marg, JVPD Scheme, Juhu, Vile Parle (West), Mumbai - 400 056 Ph.: 26288624, 26281832, Fax : 26250916. Email : mpanchayat@gmail.com Website: mumbaigrahakpanchayat.org Editor : Shubhada Chaukar 3

A S>-dm M {eju g ñwm À`m Om{hamVtda ~ Xr wcm Mo {eju hm nmch$m Mm hidm H$monam. Ë mmo ^m S>dc H$ê$Z AZoH$ ImOJr {eju g ñwm, {eh$dur dj h Img emmm Xmdm H$ê$Z mor> mor>çm Om{hamVr H$aVmV. Ë mv VÏ {H$Vr hr e H$mM AgVo. Aem $gì m Om{hamVtda AmVm A Hw$e ouma Amho... Om{hamVtH$S>o ~KÊ mmm Ñ{ï>H$moZ XoUmao gxa- gmymau o$~«wdmar {hý`mnmgyz gd àgma mü` mvyz e j{uh$ Om{hamVr PiH$m`bm bmjvmv. {d{dy Šbmgog, H$m booog, ImOJr {dúmnrr>o, e j{uh$ g ñwm `m À`m Om{hamVtMo nod w$q>vo. `m g ñwm Om{hamVt YyZ mor>r mor>r AmœmgZo XoVmV. `emmr ImÌr XoVmV. g nþ, AmH$f H$ Aem ^mdr OrdZmMr ñdßzo XmI{dVmV Am{U J Xhmdr - ~mamdrmo {dúmwu, J«Á`wEeZ nyu H$ê$Z H$[a`aMm {dmma H$aUmao Am{U Ë`m Mo nmbh$ Ago gd OU øm Om{hamVtMm mjmodm KoD$ bmjvmv. nmbh$ Am{U {dúmwu gjiom øm $gì`m Om{hamVtÀ`m mohmv ns>vmv. $gì`m, {Xem^yb H$aUmè`m Om{hamVtda {Z` ÌU R>odÊ`mMo H$m Advertising Standards Council of India "ASCI' hr g ñwm H$aVo. Om{hamV joìmvrb ñd{z` {ÌV g ñwm åhuoo ASCI. àm w»`mzo J«mhH$m H$Sy>Z `oumè`m VH«$matMm {dmma ASCI V }$ Ho$bm OmVmo. Ë`m{edm` g mombm KmVH$ R>aUmè`m CËnmXZmMr Om{hamV Ho$br OmD$ Z`o, åhuyz {Z~ªY KmVbo OmVmV. Am ŠQ>mo~a 2017 Ü`o ASCI Zo 75 e j{uh$ Om{hamVtda ~ Xr AmUbr. Ë`mVrb H$mhr Om{hamVr ~«oz qq >J, ~«oz So>ìhbn Q> àmoj«aem AgyZ H$mhtZr Va Ý`yamo gm`ýg g ñwomr mý`vm Agë`mMm Xmdm Ho$bm hmovm. mì Ë`mMm H$moUVmhr nwamdm {Xbobm ZìhVm. ñwm{zh$ Am{U B J«Or Aem XmoÝhr ^mfm VyZ Om{hamVr hmoë`m. Am Mr g ñwm IIT, JEE, NEET `m À`m àdoe narjmmr CÎm V`mar KoVo, Amåhr Vw Mo H$[a`a CÎm arvrzo KS>{dVmo, Am Mr g ñwm gdm}îm Amho, Agm Xmdm H$aVm Zm - Z{bZr Hw$bH$Uu nwamdm mì H$moUVmhr {Xcm OmV Zmhr. Ü Var Vm {ÌH$ {ejumà`m H$mhr Om{hamVt YyZ 90 Q>ŠHo$ {dúmï`mªzm ZmoH$ar { imë`mmo Omhra Ho$bo hmovo. mì Ver H$moUVrhr boir H$mJXnÌo qh$dm nwamdm {Xbm ZìhVm. Ago $gdo Xmdo H$aUmè`m AZoH$ g ñwm AmhoV. M {XJT> `w{zìh{g Q>rZo ZmoH$ar { iê`mmr ImÌr {Xbr. Va R.M.K. B {O{ZA[a J `m g ñwozo $gì`m Xmì`m ~amo~a S>m. H$bm `m À`m ZmdmZo nm[avmo{fh$ { imbo Amho, VgoM Am Mo H$m boo ^mavmvrb n{hë`m drg Z ~am Yrb EH$ Amho Ago åhq>bo hmovo. AgmM Xmdm Ama.Ho$.~OmO J«wnÀ`m B {O{ZA[a J H$m boozohr Ho$bm. H$m boobm " moxr Adm S >' { imë`mmm, H$moUVmhr {bpiv nwamdm Z XoVm Omhra Ho$bo. X{jUoVrb WrAJamOa (Thiagarajar) H$m boozo Vm{ izmsy> gah$mamm nmqr>~m Agë`mMo Om{hamVrV gm {JVbo, mì Vo nwamdm XoD$ eh$bo ZmhrV. Aem àh$mamo $gdo Xmdo Am{U {Xem^yb H$aUmè`m Om{hamVr d ÚH$s`, Z{gªJ, Ho$Q>[a J, {S> o$ýg, EpìhEeZ (CÈ>mU) joìmvrb {eju g ñwm Zr Ho$ë`m hmoë m. `m Ü`o H$mhr Y Xm` g ñwmhr hmoë m. Aem EHy$U 75 n H$s 68 Om{hamVtda ASCIZo ñdv hÿz (Suo moto) ~ Xr KmVbr. ASCIÀ`m `m H$madmB dê$z J«mhH$m Zr YS>m `mdm. H$moUË`mhr {eju g ñwov àdoe KoVm Zm Ë`m H$mog Mr {Xbobr m{hvr, g ñwomr m{hvr VnmgyZ `mdr. ImÌr H$ê$Z `mdr. 4

g nmxh$s` gm Oñ M - Zdr whÿv ot>! J«mhH$ {hvmmo nyu Am{U gimob ^mz Agbo H$s, H$go Zd{Z m U hmod$ eh$vo, `mmm AmUIr EH$ XmIbm åhuoo gm Oñ` MmMr whÿv ot>! w ~B V AbrH$So>M "H ${g{beez $moa ' (gm Oñ` M) ` ÌUoVrb n{hbo AmœmgH$ nmd$b CMbbo Jobo, Vo åhuoo gm Oñ` XyVm Mo à{eju. ho XyV åhuoo ~hþvm er H$m` H$V} AmhoV. Vo H$mhr H$m`XoVÁk ZmhrV H$s àemgh$ ZmhrV. nu Vo AmhoV H$iH$irMo g mogodh$ Am{U åhuyzm `m ` ÌUoV Ë`m Mr ^y{ H$m H$irMr R>aUma Amho. hm nañna "j Vm {dh$mg' Amho. H$m` H$Ë`mªMm hm "j Vm {dh$mg' (Capacity Building) AmhoM, VgoM àemgh$s` ` ÌUoMmhr "j Vm {dh$mg' Amho, H$maU g mommm gh^mj KoD$Z Vo Aer mor>r O~m~XmarMr àemgh$s` ` ÌUm am~dv AmhoV. `m emgzmà`m amá`mv "bmoh$gh^mj' hm H$irMm wôm Pmbm Amho. Ob`wº$ {edma Agmo, YaU ~m YUr Agmo qh$dm emiomm {dh$mggmao H$mhr Oê$a H$am, nu bmoh$gh^mjmvyz! åhuoo YZ Am{U l bmoh$m MoM... gm Oñ` XyVm H$adr Ý`m` { idyz XoUmar EH$ ì`dñwm MmbdUo, ho bmoh$gh^mjmmo nwt>mo nmd$b R>amdo! "Agmdo KaHw$b Amnwbo N>mZ' ho àë`oh$mmo ñdßz AgVo. Vo gmü` H$aUo XwamnmñV ìhmdo, BVHo$ Vo hmj Pmbo Amho. {ZXmZ eham V, hmzjam V Var! Ë`mV ^arg ^a åhuyz Vo joì A{Z` {ÌV hmovo. ^«ï>mmma hmm {VWo {eañvm. bw~ms>uyh$ hmm `m joìmmm ñwm`r^md. hr pñwvr Am ybmj«~xbm`mr Va Ë`mgmR>r Zdm H$m`Xm Agmdm, Vmo J«mhH$m Zm Ý`m` XoUmam Agmdm, `mgmr>r w ~B J«mhH$ n Mm`VrZo Ho$bobo à`ëz `mmr H$ënZm AmnUm gdmªzm AmhoM. Amnbo H$m`m Ü`j A S>. {earf Xoenm So> `m Zr `m H$m`ÚmMm {M{H$ËgH$ Aä`mg Ho$bm. gvv nmr>nwamdm Ho$bm. hm H$m`Xm A{YH$m{YH$ n[anyu ìhmdm Am{U n[anyu VoZo am~dbm Omdm, `mh$so> bj {Xbo. Amnë`m g ñwomo ZoVo Am{U `mgmr>r PQ>Umao H$m` H$V} `m Mo F$U J«mhH$-OJV {dgauma Zmhr, BVHo$ mor>o ho H$m Amho. J«mhH$ joìmà`m B{VhmgmV Ë`mMr H$m` Zm X amhrb, BVHo$ Vo hîdmmo Amho. "H ${g{beez $moa 'À`m ñwmnzomo g nyu lo` w ~B J«mhH$ n Mm`Vr'Mo H$m`m Ü`j A S>. {earf Xoenm So> `m Mo Amho, ho " hmaoam' àm{yh$aummo AÜ`j Jm V M Q>Ou `m Mo Omhra CÒma AmhoV. Amnë`mbm AË` V A{^ mz dmq>mdm, Aer ~m~ Amho hr! àemgzmzo J«mhH$ MidirÀ`m ZoË`mbm {Xbobr hr XmX Amho. Amnbr Midi {H$Vr {dym`h$ C Mrbm nmohmombr Amho, `mmm hm XmIbm Amho. OJ^a J«mhH$ g aju mj Xe H$ VÎdm À`m A b~omdurgmr>r H$m` ñdê$nr ` ÌUm Agmdr, `m mjurgmr>r g `wº$ amï >m Mo UNCTAD ì`mgnrr> A S>. {earf Xoenm So> `m Zr JmOdbo, Voìhmhr AgoM {Z{d dmx lo` Ë`m Zm UNCTADÀ`m S>m`aoŠQ>aZr {XbXmanUo {Xbo hmovo. J«mhH${hVmÀ`m ~m~vrv whyv ot> amê`mmo H$m Amnbr g ñwm bmjmonmr> H$aVo Amho. `myrhr Ago nwxeu H$m Pmbo Amho Am{U AmVmhr hmov Amho. g ñwoà`m g^mgxm Mr EH$s Am{U g {dmma ho Amnbo ~i Amho. g ñwoà`m `m KmoS>Xm S>rV àë`oh$ g^mgxmmm ImarMm dmq>m AgVmo Am{U Vmo Agmdm. J«mhH${hVmgmR>r Ago mobmmo H$m hmov AgVmZm Ë`mMm àgma H$aUo, g^mgx Agboë`m, Zgboë`m àë`oh$ J«mhH$mn`ªV ho H$m nmomduo, ho àë`oh$ OU H$ê$ eh$vmo. "ehmuo H$ê$Z gmos>mdo gh$i J«mhH$' BVH$s Oar O~m~Xmar àë`oh$ g^mgxmzo KoVbr Var J«mhH$ gj hmovrb. J h{z m Um~m~VMo dmx g OyVXmanUo gmos>dbo OmÊ`mÀ`m àemgh$s` ` ÌUoV Amnë`mVboM H$mhr H$m` H$V} XyV åhuyz gm rb Pmbo AmhoV.. AmnU g OyVXmanUo Ë`m Zm gmw XoD$`m! - ew^xm Mm H$a 5

gm Oñ M - nwxeu nm S>m! "H ${g{beez $moa ' (gm Oñ` M)À`m ñwmnzomo g nyu lo` " w ~B J«mhH$ n Mm`V'Mo H$m`m Ü`j A S>. {earf Xoenm So> `m Mo Amho. " hmaoam' H$m`ÚmMr m{hvr ZmJ[aH$m Zm ìhmdr, `mgmr>r w ~B J«mhH$ n Mm`VrZo Am`mo{OV Ho$boë`m EH$m hmg^o Ü`o A S>. {earf Xoenm So> `m Zr " hmaoam' H$m`ÚmVrb H$b 32 (GGG)H$So> mpo bj doybo Am{U Ë`mVyZM `m g H$ënZoMm OÝ Pmbm, ho CÒma AmhoV " hmaoam' àm{yh$aummo AÜ`j Jm V M Q>Ou `m Mo! a JemaXm, ~m Ðm `owo g nþ Pmboë`m H ${g{beq>a (gm Oñ` XyV) à{eju H$m` H«$ mà`m CÓmQ>Z àg Jr Jm V M Q>Ou ~mobv hmovo. ho EoH$V AgVmZm AmR>dU Pmbr Owb 2015 Ü`o {O{Zìhm `owo Pmboë`m UNCTADÀ`m ~ R>H$sMr! J«mhH$ g aju mj Xe H$ VÎdm À`m A b~omdurgmr>r H$m` ñdê$nr ` ÌUm Agmdr hr A S>. {earf Xoenm So> `m Zr 2013 nmgyz gmvë`mzo Am{U AmJ«hmZo Ho$bobr gymzm 2015À`m Ë`m {O{Zìhm `owrb ~ R>H$sV mý` hmod$z Inter-governmental Group of Experts(IGE) Mr ñwmnzm H$aÊ`mMm R>amd g V H$aÊ`mV Ambm hmovm. Ë`mdoir UNCTAD À`m S>m`aoŠQ>aZr IGEMo du Z "Jewel in the crown of UNCTA D' Ago Ho$bo hmovo. `mo½` ~ro, `mo½` àh$mao Am{U `mo½` {R>H$mUr noabo Va Vo {Z{üVnUo éovo d Ë`mVyZM J«mhH${hVmMo dq>d j {Z m U hmovmv, `mmr hr XmoZ R>iH$ CXmhaUo! gm Oñ` M `m ì`dñwo Ü`o gh^mjr hmoumè`m gm Oñ` M à{v{zyr (H ${g{beq>g ) gmr>r hmaoam àm{yh$aumv }$ 17 d 18 OmZodmar 2018 amoor EH$m à{eju {e{~ammo Am`moOZ H$aÊ`mV Ambo hmovo. `m {e{~amv MGPMo 15 Am{U {dh$mgh$m À`m g KQ>Zm Mo (CREDAI, NACH, NAREDCO) 18 gm Oñ` XyV gh^mjr Pmbo hmovo. "H ${g{beez $moa 'Mr ñwmnzm hm H«$m {VH$mar {ZU ` AgyZ XoemVrb Aem àh$mamm hm n{hbmm à`moj Amho. `m MmÀ`m mü` mvyz {dh$mgh$ Am{U J«mhH$ `m Yrb dmx gm Oñ`mZo Xya hmod$z XmoKm Ü`o AmœmgH$ dmvmdau {Z m U hmob b, Agm {dœmg lr. M Q>Ou `m Zr ì`º$ Ho$bm. - A{ZVm ImZmobH$a à{ejumxaå`mz H ${g{beezgmr>r V`ma H$aÊ`mV Ambobr Am ZbmB Z Zm XUr ` ÌUm, aoam H$m`ÚmVrb {d{dy VaVwXr Am{U H$mhr Ho$g ñq>s>r `m~ôb mý`dam Zr à{ejumwvzm m{hvr {Xbr. mì à{ejummm w»` ^a H ${g{beezmr nõv g OyZ KoUo, gm Oñ` XyVm Mr O~m~Xmar OmUUo, Ë`m À`m g nyu ì`{º$ ÎdmVyZ gmyumam EHy$U n[aum Am{U H ${g{beq>g Zo Zo Ho$ H$m` H$aUo Ano{jV Amho, ho ñnï> H$aUo- `mda hmovm. gü`m ApñVËdmV Agboë`m ì`dñwo Ü`o Ka IaoXrXma Am{U {dh$mgh$ `m Ü`o H$mhr dmxmmo wôo {Z m U Pmbo Va J«mhH$ Ý`m`mb`, {XdmUr Ý`m`mb` (Civil Court) AWdm Oa àh$ën aoam A VJ V Zm Xdbobm Agob Va aoam àm{yh$aumh$so> VH«$ma H$aVm `ovo. mì Ý`m`mb`mMm mj I{M H$ Va AgVmoM, {edm` Ý`m` { iê`mg bmjumam H$mbmdYr AZoH$Xm Iyn OmñV AgVmo. gwx dmzo Ho$gMm {ZH$mb bdh$a bmjbm Am{U Vmo Oar J«mhH$mÀ`m ~moyzo bmjbm Varhr {dh$mgh$ Ë`mda {Z{üVnUo Anrb H$ê$ eh$vmo. J«mhH$mÀ`m VwbZoZo ~hþg»` doim {dh$mgh$mh$so> g gmyzo d gmhmæ`h$ ` ÌUm gwb^vozo CnbãY AgVmV. J«mhH$ Ý`m`mb` djivm Ý`m`ì`dñWo m $V J«mhH$m Mr ~moy m S>Ê`mgmR>r d{h$bm Mr Amdí`H$Vm AgVo. H ${g{beezmr ` ÌUm Aer Agob - H ${g{beezà`m ì`dñwo Ü`o J«mhH$m V }$ d {dh$mgh$m V }$ àë`oh$s EH$m à{v{zyrmo { iyz EH$ 6

EH$m g $am XmV {H$Vr {~`m AmhoV ho AmnU gm Jy eh$vmo nu g $am XmMr EH$ ~r O{ ZrV éodbr Va Ë`mbm {H$Vr g $am X bmjvrb, ho AmnU Zmhr gm Jy eh$v. A S>. {earf Xoenm So> `m Zr Jm V M Q>Ou `m Zm 32 (G) H$b mzwgma hmaoam' Ü`o H ${g{beezmr (gm Oñ`mMr) VaVyX Amho, ho gm {JVbo. àý gmos>dê`mà`m Ñï>rZo Am{U J«mhH$ {hvmmm {dmma H$ê$Z M Q>Ou `m Zr Ë`mMm nmr>nwamdm Ho$bm. Ë`mMo $bñdê$n åhuoo H ${g{beq>aà`m à{ejumgmr>r Amåhr à{eju KoD$ eh$bmo. hr IamoIa AmemXm`H$ gwédmv Amho. `m ~rommr $io Z $sm Amnë`mbm bdh$am MmIm`bm { ivrb, Aer Amem Amho. - VZwOm ahmuo, gm Oñ` XyV H ${g{beez ~ M (gm Oñ` H$j) Agob. Á`m àh$ënm Mr aoam H$m`Úm VJ V Zm XUr H$aÊ`mV Ambobr Amho, Aem àh$ënm Vrb VH«$maXma J«mhH$M `m gm Oñ` M ì`dñwomm bm^ KoD$ eh$vrb. `mgmr>r hmaoamà`m do~gmb Q>da EH$ qbh$ {Xbobr Amho. `mda VH«$maXmamgmR>r H ${g{beezmr nõv d Ë`mgmR>r H$amdm bmjumam AO CnbãY Amho. AO AË` V gmonm AgyZ Ë`mda VH«$maXmamZo ñdv:mr d VH«$ma Agboë`m àh$ënmmr m{hvr ^auo d ñdv:à`m VH«$mar~ÔbMm Vnerb XoUo Ano{jV Amho. hr m{hvr ^ê$z "g~ rq>' Ho$br H$s Á`m àh$ënm~ôb VH«$ma Agob Ë`m Zm B obûmao VH«$marMr m{hvr nwadbr OmB b. {dh$mgh$mzo gxa VH«$ma gm Oñ`mZo gmos>dê`mg V`mar Xe dë`mz Va J«mhH$mZo `m à{h«$`ogmr>rmo ewëh$ ^am`mo Amho. Ë`mZ Va hr Ho$g gm Oñ` à{v{zytà`m MmH$So> nmr>dbr OmB b d gwzmdurà`m VmaIm Am ZbmB Z nõvrzo J«mhH$ d {dh$mgh$m Zm H$idë`m OmVrb. Ë`m Zr Ë`mdoir hoa amhuo Ano{jV Agob. àë`j ^oq>rv g PmoVm Pmë`mg Ë`mMm boir H$amaZm m V`ma H$ê$Z Ë`mda gd g ~ {YVm À`m ñdmjè`m KoVë`m OmVrb. gm Oñ`mZo VH«$mar gmos>dvmzm {dh$mgh$m Zr gh$mamë H$ ^y{ H$m KoD$Z `m VH«$matÀ`m gmos>duwh$sgmr>r nwt>mh$ma KoUo Ano{jV Amho. {dh$mgh$m À`m à{vgmxmdam `m nõvrmo `e Adb ~yz AgUma Amho. Ë`m wio {dh$mgh$m À`m Á`m g ñwm Zr gm Oñ`mZo VH«$mar gmos>dê`mà`m `m à{h«$`o Ü`o gh^mj Xe dbm Amho, Ë`m À`mda {dh$mgh$m Zm `m à{h«$`og gh$mamë H$ à{vgmx XoÊ`mgmR>r àd Îm H$aÊ`mMr hîdmmr O~m~Xmar Agë`mMo V g ñwomo H$m`m Ü`j A S>. {earf Xoenm So> `m Zr ì`º$ Ho$bo Amho. gm Oñ`mZo VH«$mar gmos>dê`mà`m `m nõvr~ôb à{eju XoVmZm à{ejh$ A S>. AO` ohvm `m Zr `m nõvrmr nwt>rb d {eîq>ço Z yx Ho$br- hr VH«$ma {ZdmaUmMr AZm nmm[ah$ nõv Amho. VH«$maXma Am{U Á`mÀ`m {damoymv VH«$ma Amho Vo ñdv: g moamg moa ~gyz Amnmnbo åhuuo ñdv: m Sy> eh$vmv. H$m`Úm Yrb VaVwXtì`{V[aº$ AZoH$Xm ^md{zh$ wôo H$mhr Ho$gog Ü`o OmñV hîdmmo AgVmV. Ë`m Zm `m nõvr Ü`o moh$ionumzo dmq> H$ê$Z {Xbr OmVo. `m nõvrzo VH«$mar gmos>dê`mgmr>r bmjumam H$mbmdYr H$ r Agy eh$vmo, VgoM n em Mrhr ~MV hmod$ eh$vo. EH$ oh$m Zm Xmof XoV ~gê`mnojm AS>MU gmos>dê`mda ^a XoUo Amdí`H$ Amho. `m nõvrzo VH«$mar gmos>dvmzm H ${g{beq>g Ho$di gd g ~ {YV njm Zm EH$Ì AmUyZ ~mobvo H$aÊ`mMr ^y{ H$m ~OmdVmV. {ZU ` XmoÝhr nj ñdv:m KoVmV. gm Oñ` XyV åhuyz (H ${g{beq>a) H$m H$aUmè`m ì`º$s Ü`o nwt>rb JwUd {eîq>ço AgUo Ano{jV Agë`mMo A S>. AO` ohvm `m Zr gm {JVbo - H ${g{beq>a hm VQ>ñW d ÎmrMm AgUo Amdí`H$ Amho. ho H$m H$aÊ`mMr Ë`m Mr ZmnmgyZ BÀN>m Agmdr. Vmo/Vr ì`dhma-hw$eb Agmdo. Vmo/Vr Mm[aÍ`dmZ Agmdo. Ë`mMo/{VMo Z nyd J«hXy{fV Zgmdo. (nmz 8 nmhm...) 7

IaoXr g{ VrMm Ah Xm~mX Xm am w. J«m. n. À`m IaoXr g{ Vr gxñ`m Mm Mma {Xdgm Mm Xm am AcrH$S>o Ah Xm~mX `owo Jobm hmovm. n{hë`m {Xder Ah Xm~mXnmgyZ 90 {H$. r. A Vamda Agboë`m dmgx `owo Amåhr Jobmo. AmnU dmq>nmv XoV Agboë`m VyaS>mirMo ì`mnmar AéU^mB nq>ob `m À`m VyaS>mi { bbm ^oq> {Xbr. nq>ob MVwa^mB aun>mos>^mb Am{U H $. `m ZmdmZo Ë`m À`m dmgx nargamv 7 { ëg AmhoV. VoWo VyaS>mir~amo~aM MUmS>mi d CS>rXS>mi V`ma Ho$br OmVo. Ë`m À`m Mma {nt>çm `mm CÚmoJmV H$m` av AmhoV. Xwgè`m {Xder Ah Xm~mXÀ`m CERC g ñwobm ^oq> {Xbr. Q >ñq>r d CEO CX` dmzr, S>m br OmZr, {àvr emh `m Zr CERC H$arV Agboë`m H$m m~ôb m{hvr {Xbr. VgoM AmnU EH$Ì H$emàH$mao H$m H$ê$ eh$vmo, `mda MMm Pmbr. CERC Yrb dojdojù`m à`mojemim d Ë`m Mo H$m `m Mr m{hvr VoWrb b ~ à wim Zr {Xbr. VoWo AÝZ CËnmXZo, Am fyr CËnmXZo, KaJwVr BboŠQ >rh$ CnH$aUo d ng Zb Ho$Aa àm S>ŠQ> (emåny, H«$s B.) `m Mo Q>opñQ> J Ho$bo OmVo. "CERC' V }$ "J«mhH$ gmwr' ho Û m{gh$ àh$m{ev Ho$bo OmVo. {Xdg^amV CERCÀ`m {d^mjm Mo H$m H$mO Amåhr g OyZ KoVco. - H${dVm ` Xo {Vgè`m {Xder gh$mir 20 {H$. r. A Vamdarb Zmamoi `owrb "AU d B S>ñQ >ro'bm ^oq> {Xbr. VoWo AZoH$ àh$maà`m ~os>{eq> d {nbmo H$ìha `m Mo CËnmXZ hmovo. S>~b ~os>erq>, qgjb ~os>erq> d Zg ar qàq> ~os>erq> `m À`m {S>PmB Ýg ~{KVë`m VgoM dojdojù`m àvrmo H$mnS> ~{KVbo. Ë`mVrb H$mhr {S>PmB Ýg {ZdS>br. Ë`mZ Va {gõr g `X Ombr erx ~{KVbr. VoWrc n[aga d q^vrdarb ZjrH$m ~KÊ`mgmaIo Amho. Ë`mZ Va Amåhr gm~a Vr Aml mv Jobmo. Jm YrOtMm Aml { $ê$z ~{KVbm. Mm Ï`m {Xder AjaYm `owo Jobmo. VoWo gwajm ì`dñwm A{Ve` H$S>H$ Amho. A{Ve` gw Xa Agm hm n[aga Amho. Am Q>mo dës > qdq>oo H$ma å`w{p` `owo ^oq> {Xbr. VoWo EHy$U 106 Xw{ i JmS>çm AmhoV, Ë m nm{hë m. Aer hr Mma {Xdgm Mr ghb Ooera, Aä`mgnyU d AmZ XXm`H$ Pmbr. (...nmz 7 dê$z) gm Oñ M Vmo/Vr Am{VÏ`erb, gh$mamë H$ Ñï>rH$moZ ~mijumao Agmdo. bmoh$m Zm ~mobvo H$aUo, Ë`m À`m ^mdzm g OyZ KoUo `mgmr>r Amdí`H$ AgUmao H$m eë` Ë`m À`mH$So> Agmdo. H ${g{beez nõvrzo VH«$mar gmos>dê`mmm hm à`ëz åhuoo XoemVrb EH$ nwxeu à`moj Agë`mMo Z yx H$ê$Z `m à`mojmmr `epñdvm hr Ë`mVyZ Amboë`m {ZU `m À`m A b~omdurda Adb ~yz Agob, Ago V A S>. {earf Xoenm So> `m Zr `mdoir ì`º$ Ho$bo. XmoZ {Xdgm À`m `m à{ejumvyz gd H$m` H$Ë`mª Ü`o CËgmh Am{U D$Om {Z m U Pmbobr Agbr Var Ë`m wio `oumè`m O~m~XmarMr OmUrdhr VodT>çmM àh$fm Zo Pmbr Agë`mMo V H$m` H$Ë`mªZr ì`º$ Ho$bo. `m H$m mgmr>r A{YH$ à{eju Am{U H$m eë` g nmxzmmr Amdí`H$Vm Agë`mZo {H$ mz Amnë`m g ñwm nmvirda AmUIr EImXm à{eju H$m` H«$ am~dmdm, Aer {dz Vr gd à{ejumwvzr H$m`m Ü`jm H$So> Ho$br Amho. 8

IaoXr g{ VrZo AcrH$S>oM Ah Xm~mXcm OmD$Z VyaS>mi à{h«$ m H $Ðmcm ^oq> {Xcr. AmnU Amnë m dmq>nmv OoWyZ VyaS>mi KoVmo Ë m { ccm Amåhr gd IaoXr g{ Vr gxñ ^oq> XoD$Z nmhur H$ê$Z Amcmo. ~momamv Vya OmZodmarnmgyZ `m`bm bmjvo. { bg eovh$è`m H$Sy>Z Vya IaoXr H$aVmV. gü`m A»»`m VwarMm ^md é. 45-50 Agm Amho. Vya { b Ü`o Amë`mda àw Ë`mMr {ZdS> ( erzûmao) Ho$br OmVo. àë`oh$ { bà`m nwt>o- mjo nšho$ $ag~ Xr A JU AgVo, Ë`mda {ZdS> Ho$bobo Vya moharmo Vob bmdyz CÝhmV R>odVmV. CÝho Amogabr H$s nwýhm EH$m ~moybm T>rJ H$ê$Z PmHy$Z R>odVmV d nwýhm Xwgè`m {Xder CÝho Amë`mda, CÝhmV ngadyz R>odVmV. moharmo qh$dm gah$smo Vob bmdë`m wio, CÝhmZo Vwardarb gmbo {ZKÊ`mg XV hmovo. Aem àh$mao EH$M bm Q> 3 Vo 4 doim CÝhmVyZ dmidvmv. Ë`mZ Va { bbm Joë`mda, Vwardarb gmbo (Dehulling) H$mT>br OmVmV. gmb H$mT>ë`mda Aer ~ZVo VyaS>mi hîdmmo {ZU ` - dmg Vr ds>ho$ nwýhm EH$Xm D$Z XoD$Z J S>mi Ho$br OmVo. S>mi Ho$ë`mZ Va nav erzûmao (Sorting) {ZdS> Ho$br OmVo. EH$gmaIr S>mi d darb gmbo, VgoM VwQ>bobr S>mi dj ao dojio Ho$co OmVmV. Ë`mZ Va EH$m AË`mYw{ZH$ erz Ü`o hr S>mi EH$gmaIr, Ë`mVrb dojdojù`m a JmMo XmUo ~moybm H$ê$Z, packinggmr>r ~mhoa ns>vo. H$moar S>mi Or AmnU dmq>nmv XoVmo, Ë`m S>mirgmR>r àmogoqgjbm 20 {Xdg bmjvmv. Á`m Vwarbm, VobmEodOr nmur bmdyz dmidvmv, Ë`m S>mirMo gmb bdh$a {ZKVmV, XmUm WmoS>m w$jvmohr. Ë`m wio Zoh rmr S>mi H$moè`m VyaS>mirnojm OmS>r {Xgy eh$vo. VgoM S>mirMm a Jhr VwH$VwH$sV {XgVmo. nu AmnU XoV Agboë`m H$moè`m Vya S>mirMr Md Mm Jbr AgVo. Vr {eoë`mda OmñV w$bvo. a{ddma {X. 19 Zmoìh ~a 2017 amoor g ñwomr 36 dr dm{f H$ gd gmymau g^m J«mhH$ ^dz `owo g ñwomo CnmÜ`j S>m. ~mi $m S>Ho$ `m À`m AÜ`jVoImbr Am`mo{OV H$aÊ`mV Ambr hmovr. g^ovrb {Z`mo{OV {df`m ~amo~am g^o Ü`o Imbrb XmoZ hîdmmo {df` MM}gmR>r R>odÊ`mV Ambo hmovo. g^o Ü`o Ë`mda gdªh$f MMm Pmbr Am{U MM}A Vr g^ozo Imbrb XmoZ hîdmà`m {ZU `m Zm Oyar {Xbr- 1) g ñwoà`m g^mgx ewëh$mda Zì`mZo dñvy Am{U godm H$a bmjy Pmë`m wio (18%) 1 E{àb 2018 nmgyz g ñwomo g KgXñ` Am{U gh`mojr g^mgx `m Mo dm{f H$ ewëh$ é. 180/- dmt>dyz Vo dñvy d godm H$amgh é. 240/- à{v g^mgx H$aÊ`mg gd gmymau g^ozo Owar {Xbr Amho. 2) "J«mhH$ ^dz'à`m àñvm{dv nwz{d H$mg `moozo~m~v g^o Ü`o g{dñva MMm H$aÊ`mV Ambr. MM}A Vr J«mhH$ ^dz B mavrmm nwz{d H$mg g ñwozo H$m`ÚmÀ`m Mm H$Q>rV amhÿz H$aÊ`mg VgoM Ë`mg ~ Yr Amdí`H$ nìì`dhma H$aÊ`mg H$m` H$mar S>imbm àm{yh $V H$aÊ`mg gd gmymau g^ozo Owar {Xbr Amho. 9

nwuo nor> CËgmhmV g nþ! - {eënm gmodzr nwê`m Ü`o n Mm`V nor>omm CnH«$ am~dê`mmo ho {Vgao df. nor> H$am`MrM Amho, VmaIm {Z{üV Pmë`m AmhoV, Ago AZwamYm Xoenm So> `m Zr H$idbo. Voìhm $ŠV XmoZM {hzo hmvmv hmovo. VargwÕm gd OwZo d ZdrZ H$m` H$V} nor> `eñdr H$aÊ`mMm {Zü` H$ê$Z CËgmhmZo H$m mg bmjbo. øm dfu CÚmo{OH$m mzgr {~S>H$a ( amr>m M ~a Am $ H$m g, B S>ñQ >ro A±S> A J«rH$ëMaÀ`m AÜ`j) m Zr nor>omo Xrn àádbz H$ê$Z CX²KmQ>Z Pmbo. g ñwomo H$m`m Ü`j A S>. {earf Xoenm So> `m Zr AÜ`jñWmZ ^yf{dbo. n Mm`V nor> à wi AZwamYm Xoenm So>hr CnpñWV hmoë`m. VgoM nor>obm Am{edm X XoÊ`mgmR>r Á`oð> g ñwmnh$ gxñ` Amßnmgmho~ JmoS>~mobo d g ñwoà`m {dœñv b{bvmvmb Hw$iH$Uu CnpñWV hmovo. AZwamYmVmBªÀ`m àmñvm{dh$mzo g ma ^mmr gwédmv Pmbr. à wi nmhþê`m À`m ^mfumv mzgrvmbªzr nor>ov ^mj KoUmè`m {hbm CÚmoOH$m gmr>r ~±H$ bmoýg d mh}$q>tj øm {df`r mj Xe Z Ho$bo, VgoM gah$maà`m {d{dy `moozm Mr m{hvr {Xbr d nor>oà`m CnH«$ mmo H$m VwH$ Ho$bo. øm H$m` H«$ mmo gyìg MmbZ Anydm Omoer `m Zr Ho$bo. n{hë`m {XdgmnmgyZM nor>ov J«mhH$m Mr JXu hmovr. Amåhr nor>omr dmq> nmhmv hmovmo, Ago H$mhtZr gm {JVbo. øm dfuhr d ÎmnÌm Zr nor>omr Mm Jbr XIb KoVbr. hmamï > Q>mBågZo nor>omr $moq>mogh$q> ~mv r N>mnbr. qhxwñwmz Q>mB ågà`m à{v{zyrzo nor>o~amo~a g ñwo{df`rhr g{dñva m{hvr N>mnbr. Ho$gar d ÎmnÌmZohr Ë`m Mm à{v{zyr nmr>dbm hmovm. nor>oà`m Xwgè`m {Xder Am Xma oym Hw$iH$Uu øm Zr AMmZH$ nor>obm ^oq> {Xbr. Ë`m Zr nor> CnH«$ mm H$m VwH$ Ho$bo d Vgm A{^àm`hr {b{hbm. VgoM nor>obm ^oq> XoUmè`m BVa mý`dam Ü`o q~xw myd Omoer øm Mo g H$mbrZ H$m` H$V} Xoenm So> Am{U A.^m. J«mhH$ n Mm`VrÀ`m {eju {d^mjmmo lr. bobo ho hmovo. 8 OmZodmar amoor Pmboë`m nmh$h$bm ñny}bm d 9 OmZodmarbm Pmboë`m pšdqbjà`m H$m` emiobm Mm Jbm à{vgmx { imbm. H$m` emiov XmoZ bhmz wbm Zr d XmoZ nwéf g^mgxm Zrhr ^mj KoVbm. øm CnH«$ m Mm nor>obm Mm Jbm $m`xm Pmbm. nwuo {d^mjmà`m H$m`m Ü`jm N>m`mVmB dma Jo `m Zr gd J«yßgda Q>mH$boë`m H$ënH$ ogooog wiohr nor>obm ^oq> XoUmè`m Mr g»`m dmt>br. AJXr eodq>à`m {Xderhr amìr 8 dmoon`ªv nor>ov JXu hmovr. øm nor>omo AmUIr EH$ d {eï>ç åhuoo 30 Vo 70 øm d`mojq>mvrb ñìr-nwéf H$m` H$Ë`mªMr $ir H$m` av hmovr. g ñwoà`m {dœñv d nwuo {d^mjmà`m gëbmjma b{bvmvmb Hw$iH$Uu øm Mo nor> H$mimV CnpñWV AgUo Amåhm H$m` H$Ë`mªZm Iyn {XbmgmXm`H$ dmq>v hmovo. Aem VèhoZo gdmªzr KoVbobo n[al H$maUr bmjyz nor>omr CbmT>mb 53 bmim da Jobr. Am{U gmvë`mzo MT>Vr H$ mz XmIdV hr nor> CËgmhmV g nþ Pmbr. OmZodmar 2018 dmq>nmvrb ZdrZ g K w ~B M b Oa J«m. g K 31138 Ho$.S>r gxñ` 7 gir J«m. g K 32628 E.EZ gxñ` 11 lrbú r 32524 Or.Ama gxñ` 10 aogrso>ýgr gwa{^ J«mhH$ g K 42116 Or.ìhr gxñ` 7 R>mUo JUoe ^wdz 15590 Q>r.EZ gxñ` 8 10

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VH«$ma Aer gwq>cr... gxmof mo~mb bmm navmdm { imbm! - dz mbm Owao VH«$ma mj Xe Z H $Ð, J«mhH$ ^dz n Zmgm {ZH$ H $nzrà`m mo~mb bmr Om{hamV dmmyz nadoo AÝgmar `m Zr Ë`m H $nzrà`m mo~mb bmr ( m So>b n Zmgm {ZH$ gmwr) IaoXr Zmbmgmonmam `owrb A{YH $V XwH$mZmVyZ {XZm H$ 23/2/2016 bm é. 3000/- XoD$Z Ho$br. Ë`m mo~mb bmr h r EH$ dfm Mr hmovr, nu H$mhr AmR>dS>çm VM Ë`m mo~mb b Yo AZoH$ {~KmS> hmod$ bmjbo- {S>ñßbo ãbm H$ hmouo, mo~mb b h±j hmouo, ñh«$sz X hmouo, $mozmm AmdmO Iyn ~marh$ `ouo. AÝgmar `m Zr Vmo mo~mb b Á`m XwH$mZmVyZ KoVbm hmovm Ë`m XwH$mZXmambm XmI{dbm. Ë`mZohr 15/20 {Xdgm V Vmo XwéñV H$ê$Z {Xbm. mor>çm AmZ XmZo AÝgmar `m Zr Vmo nwýhm dmnam`bm gwédmv Ho$br. nu gvv VrZ doim Vmo $moz {~KS>bm Am{U XwH$mZXmamÀ`m åhuê`mà muo {~KS>bobm $moz {Xëbrbm nmr>dmdm bmjv hmovm åhuoo EHy$U $moz dmnaê`mnojm {XëbrbmM OmñV H$mi R>odm`bm bmjv hmovm. `m wio H $Q>miyZ OmD$Z AÝgmar `m Zr Vmo mo~mb b nav KoD$Z Xwgam mo~mb b qh$dm [a $S> Úmdm Aer boir mjur Ho$br nu XwH$mZXmamZo XmoÝhr Jmoï>tZm ZH$ma {Xbm. Voìhm AÝgmar `m Zr `m H $nzrà`m h[a`mum `owrb H$m`m b`mv `m~m~v boir nìì`dhma Ho$bm. 21/8/2016 bm AÝgmatZm Xwgam $moz { imbm. na Vw nwýhm VoM. Vmohr VgmM {~KS>V am{hbm åhuyz `m àh$maà`m mo~mbb Ü`o CËnmXZ Xmof Agmdm Ago dmqy>z AÝgmar `m Zr bm mpo ""n go nav { imdov, bm hmhr $moz ZH$mo'' Ago boir {bhÿz XoD$Z Ë`m Zr Vmo mo~mb b XwH$mZmVM R>odyZ {Xbm. Var gwõm n go nav H$aÊ`mMo ZmdM XwH$mZXmamZo KoVbo Zmhr, åhuyz Vo w ~B J«mhH$ n Mm`VrH$So> 26/04/2017 bm Ambo. AÝgmar `m Mr Ambobr VH«$ma, Ë`m Zm Pmbobm mz{gh$ Am{U emar[ah$ Ìmg Am{U Ë`m Mo Pmbobo Am{W H$ ZwH$gmZ `m gjù`mmm Aä`mg H$ê$Z w. J«m. n Zo Agm {ZîH$f H$mT>bm H$s, CËnmXZ- Xmof Agbobr dñvy {dhy$z H $nzrzo dñvy {dh«$s H$m`ÚmMm (Sale of goods Act)Mm ^ J Ho$bm Amho. VgoM J«mhH$ g aju H$m`ÚmVrb VaVwXrZwgma H $nzrzo `mo½` godm Z XoVm godov VwQ>r Am{U AZw{MV ì`mnmar àwomm dmna Ho$bm Amho. Ë`m wio hr H $nzr J«m. g. H$m. Zwgma Xmofr AgyZ `m H$m`ÚmZwgma `m H $nzrzo J«mhH$mMo gd À`m gd n go ì`momgh nav H$aUo ^mj Amho. `m {dmmamzo H $nzrà`m d[að> A{YH$mè`m Zm gob Am $ JwS²g A ŠQ> Am{U J«mhH$ g aju H$m`ÚmVrb VaVwXtMr m{hvr XoD$Z, H $nzrzo gxa J«mhH$mbm mo~mb bmr qh$ V, VgoM Ë`mMo Pmbobo darb ZwH$gmZ Vm~S>Vmo~ ^ê$z Úmdo, Ago nì {b{hbo Am{U H $nzrzo {X. 29/6/2017 amoor gxa J«mhH$mMo é. 3000/- nav Ho$bo. (AÝgmar `m Zr g ñwobm Am^mamMo nì {b{hbo.) Iao Va J«m.g. H$m`ÚmVrb VaVwXrZwgma dñvymr qh$ V, Ë`mdarb mo~mb b KoVë`mnmgyZMo ì`mo Am{U BVa ZwH$gmZ ^anmb H $nzrzo XoUo `mo½` R>abo AgVo, åhuyz AÝgmar `m Zr Ý`m`mb`mV Omdo Ago Ë`m Zm gwm{dbo. J«mhH$mZo J«mhH$ Ý`m`mb`mV OmÊ`mg, VoWrb {Xa JmB wio Am{U BVa Ìmgm wio ZH$ma {Xbm. mo~mb bmo n go { imbo hohr Zgo WmoS>Ho$! Am ZbmB Z IaoXr H$aUmè`m J«mhH$m gmr>r {Q>n... Á`m H $nzrmo Zmd, Jmd, nîmm Am{U dñvy nav H$am`Mr doi Amë`mg Vr dñvy nav H$ê$Z J«mhH$mMo n go nav H$aÊ`mMr gmo` Agob, Ë`m H $nzrh$sy>zm Am ZbmB Z IaoXr H$amdr! 12

wbw S> {d^mjmmm 23 dm dm{f H$ oimdm e{zdma {X. 7 Am ŠQ>mo~a 2017 amoor amr>m S>i, wbw S> `owo gmoam Pmbm. `m oimì`mg à wi nmhþuo w ~B J«mhH$ n Mm`VrMo H$m`m Ü`j A S>. {earf Xoenm So> ho CnpñWV hmovo. à wi nmhþuo d {d^mjr` H$m` H$m[aUrMo nxm{yh$mar `m À`m hñvo Xrn àádbz H$éZ H$m` H«$ mg gwédmv Pmbr. {d^mjmà`m H$m`m Ü`jm pñ Vm {evmoio `m Zr gdmªmo ñdmjv H$ê$Z {d^mjr` H$m` H$m[aUrMm n[am` H$ê$Z {Xbm. Ë`mZ Va {d^mjmü`jm S>m. AM Zm g~zrg `m Zr {d^mjmmm dm{f H$ AmT>mdm KoVbm. à wi nmhþuo A S>. {earf Xoenm So> `m À`m hñvo {d^mjmvrb embm V d nxdr narjov `e { i{dboë`m {dúmï`mªzm ~{jgo XoÊ`mV Ambr. a{ddma {X. 17.12.2017 amoor {d^mjmmm dm{f H$ oimdm g nþ Pmbm.`m oimì`mbm à wi nmhþuo åhuyz, {damoyr nj ZoVo m. Xma hi~o CnpñWV hmovo. amï >JrVmZo H$m` H«$ mbm gwédmv Pmbr. mzgr ^mdo `m Zr Amnë`m gw Ywa AmdmOmV B eñvdz åhq>bo. H$m`m Ü`jm Zr à wi nmhþê`m Zm $im Mr nas>r XoD$Z gý m{zv Ho$bo. gyìg MmbH$ A{œZr Ho$VH$a `m Zr à wi nmhþê`m Mm n[am` H$ê$Z {Xbm. VgoM MGPÀ`m H$m`m Mm d MidirMm AmT>mdm KoVbm. m. Xma hi~o `m Zr Amnë`m ^mfumv g ñwoà`m amï >r` d Am Vaamï >r` ñvamdarb H$m mmo H$m VwH$ Ho$bo d wbw S> {d^mjr` oimdm S>m {~dbr {d^mjmmm oimdm A S>. {earf Xoenm So> `m Zr Amnë`m ^mfumv " hmaoam' `m {df`mda CnpñWVm Zm CËH $ï> mj Xe Z Ho$bo. Ë`mMà muo `m g X^m Vrb g^mgxm À`m e H$m Mo {ZagZ Ho$bo. wbw S> Yrb g ñwoà`m ZdrZ H$m`m b`mv bdh$am "aoam VH«$ma {ZdmaU mj Xe Z H $Ð' gwê$ H$aÊ`mMo gwvmodmm Ho$bo. VgoM {d^mjmvrb g^mgxm Mo Zmo~b dmt>dyz Ë`m Zm w»` àdmhmv gm mdyz `mdo VgoM J«mhH$ MidirV H$m H$aÊ`mg àd Îm H$amdo, Aer {dz Vr Ë`m Zr Ho$br. Ë mgmr>r Ü`dVu H$m m c mh$sy>z XV H$aÊ`mMo AmœmgZhr {Xbo. {d^mjmà`m H$m` dmh `m{ Zr ZbmdSo> `m Zr gdmªmo Am^ma mzbo. H$m` H«$ mmo Iw mgxma gyìg MmbZ mywar e ~oh$a `m Zr Ho$bo. - AmaVr S>m Jao { imboë`m nwañh$mam Mm CëboI H$ê$Z AmXa ì`šv Ho$bm. VgoM S>m {~dbr {d^mjmbm bmjob Vr XV H$aÊ`mMr V`mar Xe dbr. `m {d^mjmv nor> ^adm`mr Agë`mg gd Vmonar XV H$aÊ`mMo AmœmgZhr {Xbo. `m ^mfumz Va m. hi~o `m Zm YÝ`dmX XoV H$m`m Ü`jm Zr Amnë`m ZmoJVmV aoam H$m`Úm~Ôb g ñwozo VgoM A S>. {earf Xoenm So> `m Zr KoVboë`m AWH$ n[al m VyZ Vmo H$m Xm J«mhH$ Ym{O Um H$gm Ho$bm, ho {dex Ho$bo. Ë`mZ Va {d^mjmvrb g^mgxm À`m `eñdr nmë`m Zm, H $.aqdð ghò~wõo `m À`m ñ aumw nm[avmo{fho$ XoÊ`mV Ambr. {d^mjmà`m ghh$m` dmh gwzrvm Xoenm So> `m Zr dm{f H$ Ahdmb gmxa Ho$bm. `mdoir ZdrZ H$m` H$[aUrMo ñdmjv Ho$bo Joco. {d^mjmvrb H$mhr g^mgxm Zr {d{dy H$m` H«$ gmxa H$ê$Z CnpñWVm Mo Zmoa OZ Ho$bo. eodq>r ebmh$m amd$v `m Zr gdmªmo Am^ma mzbo. 13

E{àc 2018 À m dmq>nmvrb nwñvho$ dmmy AmZ Xo Zmo~ocZJarVrc ZdcñdßZo nwñvh$mmo Zmd amymm Ka gwyra WÎmo, Z {XZr WÎmo coih$/co{ih$m mywar nwa Xao J«Wmcr àh$meh$ Á moëñzm àh$mez 80/- N>mnrc qh$ V 225/- 52/- dmq>nmvrc qh$ V 160/- Zmo~obZJarVrb ZdbñdßZo Zmo~ob nm[avmo{fh$- OJ^amVrb gm{hë`-aw emñìkmz-{dkmzmà`m {d{dy emim Yrb mzdr OrdZ A{YH$ gwih$mah$, AS>MUr {da{hv H$aUmao emoy qh$dm gimob qmvz `m Mm AË`wƒ gý mz hmovmo, `m nm[avmo{fh$mzo. "Zmo~ob' g emoyzo gm mý` dmmh$, embo` {dúmwu `m Zm gho g OVrb Am{U dmmm`bm AmdS>Vrb, Aem Jmoï>rê$nmV AmUÊ`mMo d«v Jobr 22 df} MmbdVmhoVgwYra WÎmo Am{U Z {XZr WÎmo! `WmW d km{zh$ m{hvr Am{U Vrhr Jmoï>rê$nmV XoUo ho {edyzwî` Ë`m Zr BVHo$ brb`m nobbo Amho H$s, "gdm}ëh $ï> dml² ` {Z{ VrgmR>r' VrZ doim amá` emgzmmm nwañh$ma `m boizmbm { imbm`. 2017 Yrb {dooë`m À`m emoym mjmà`m H$Wm, àë`j Ë`m emoym Mr m{hvr Am{U mzdmmo OrdZ gwh$a H$aÊ`mgmR>r Ë`m Mm hmod$ eh$umam Cn`moJ, øm VrZhr Jmoï>r gmyvrb Aer H$WmaMZm `m nwñvh$mv Amho. ho nwñvh$ dmmh$mbm {IidyZ Va R>odVoM, nu Ë`mMo EHy$U {dkmzm~ôbmo AmH$bZ dmt>dv, EH$ Zdr Ñï>rhr XoVo. earamvrb noet Ybo KS>çmi H$go MmbVo, Vo emoyê`mgmr>rgwõm BboŠQ >mo{zšg Yrb àjv V ÌkmZmMm H$gm Cn`moJ Pmbm Am{U `m XohXoemÀ`m g ajummr $ir O~yV H$aÊ`mg gmhmæ`h$ Ago A{Vgyú O daouy À`m {Ì{ V à{v m { idê`mv Ambobo `e! {ZIi d km{zh$ n{ìho$v Oa Hw$Ur ho dmmy nm{hb Va H$iUo H$R>rU! nu øm nwñvh$mvyz Á`m amomh$nuo hr m{hvr Amnë`mg moa `ovo, Ë`m wio nwñvh$ gmos>dv Zmhr. {edm` AmnU H$mhrVar doji, ZdrZ Am{U H$R>rU AgUma H$m g OyZ KoVmo`, ømmo g mymz { ivo. d km{zh$ OJVm~mhoa {deof Hw$Umbm {OÀ`mV Jå` Zgob nu Or gdmªà`m OJÊ`mer {^S>bobr Amho, Aer m{hvr gho gm JÊ`mMo H$R>rU H$m boih$û`r H$aV Ambr Amho. Aer nwñvho$ Amnbr AgUo, ho Iyn hîdmmo Amho. Vr nwýhm nwýhm H$nmQ>mVyZ H$mTy>Z dmmvm `ovmv, {H$emoam nmgyz Vo Ë`m À`m AmOr-AmOmo~m n`ªv gjù`m Zm g nþ H$aVmV. H H H H amymm Ka amymm Ka åhuoo JmoSw>ë`m wbm gmr>r {b{hboë`m N>moQ>çm nwñvh$m Mm g M. Amnb Ka, Ë`mVbr AmB -~m~m, AmOr- AmOmo~m Am{U J ^md So> qh$dm eooma nmoma, H$m bzr `m ^modvr { $aumè`m bhmz wbm À`m {dœmm OUy H$mhr yb ~ZyZ Ho$bob du Z Ë`mV Amho. m g MmMr Zdr, a JrV Amd Îmr AmVm àh$m{ev Pmcr Amho. Zì`mZo Jmoï>r EoH$Ê`mMr JmoS>r bmjboë`m bhmz wbm Zm AmdSo>b Ago, Á`m Zm JmoS>r bmdm`mr Amho Ë`m Zm AmB - ~m~m Zr dmmyz XmIdmdo Ago Am{U Or ZwH$VrM dmmm`bm bmjbr AmhoV, Ë`m Zm Amnbogo dmq>ob Ago! AmB, ~m~m, AmOr, AmOmo~m, H$mH$m Am{U ^md$ Aer ghm {nqw>h$br {MÌ ` nwñvho$ `m g MmV AmhoV. H$moUVohr EH$ H$mT>mdo Am{U dmmmdo/dmmyz XmIdmdo. amymm ^md{dœ Am{U 14

{VÀ`m `m mugm Mr ì`{º$ Ëd bmo^g AmhoV. gmjajmoq>o, {Q>ŠH$a Ioibobr Am mr, S>mÝg H$aUmam Vê$U H$mH$m, Ka^a am JV { $aumam m o^md$ VÝ `, {dga^moim ~m~m, amym ~amo~a nwñvh$ dmmumar AmB, IS>rgmIa XoUmao ZmZm AmOmo~m Aem gjù`m Zr amymm ~moardcrv H$m H$Ë mªmo {e~ra ~moardbr {d^mjmvrb g Kà wi d g^mgxm Mo {e~ra a{ddma 10 {S>g ~a 2017 amoor Am`mo{OV H$aÊ mv Amco hmovo. `m {e{~amv mj Xe Z H$aÊ`mgmR>r w ~B J«mhH$ n Mm`VrMo AÜ`j S>m. am Xmg JwOamWr, g KQ>Z {d^mj à wi g{dvm Xm Xo d I{OZXma A^` XmVma `m mý`dam Zm Am {ÌV Ho$bo hmovo. {d^mjmà`m H$m` dmh g{dvm damso> `m Zr mý`dam Mo ñdmjv Ho$bo d ~moardbr {d^mjmà`m nxm{yh$mè`m Mr AmoiI H$ê$Z {Xbr. {d^mjmà`m AÜ`jm àm. S>m. gwhm{gzr g V `m Zr àmñvm{dh$ Ho$bo d {e~ra Am`moOZmMm hovy gm {JVbm. S>m. JwOamWr `m Zr w ~B J«mhH$ n Mm`VrMr gúpñwvr d ^mdr H$mimgmR>r AmìhmZ `m~m~v mj Xe Z Ho$bo. J«mhH$m À`m MidirV g K^mdZm dmt>{dê`mgmr>r g Kà wimmo H$m` hîdmmo Amho. g Kà wi ñwm{zh$ nmvirdarb ZoVo AgyZ bmoh$b Vo ½bmo~b H$m` H$aUmè`m w ~B J«mhH$ n Mm`V g KQ>ZoMm nm`m AmhoV, Ago Vo åhumbo. g KQ>ZoMo YmoaUmË H$ {ZU ` g K nmvirda àë`j A cmv AmUyZ d g K g^mgx g»`m dmt>dyz ^{dî`mv g KQ>ZoMr JVr d ì`mßvr dmt>{dê`mmo H$m g Kà wimzo H$aÊ`mMr JaO Agë`mMo à{vnmxz Ë m Zr Ho$bo. ^{dî`mvrb AmìhmZm Zm gm moao OmVmZm H${Zð> OJ ~Zb `. 2002nmgyZ AmOVmJm`V hm g M {eewdjm Vrb wbm gmr>r gvv AmdS>Vm R>aVmZm {XgVmo`. Ë`mVrb {MÌo Aer ñv AmhoV H$s wbm Zm Vr Amnbrer dmq>mdrv. `m nwñvh$m Mm hm g M KamV R>odm`bm, ^oq> Úm`bm CÎm! - dgw Yam XodYa - n H$O Hw$bH$Uu Ü` dju`, X{bV, Am{Xdmgr VgoM Xw~ b Hw$Qw> ~m Zm w ~B J«mhH$ n Mm`VrÀ`m MidirV g m{dï> H$ê$Z d g KQ>ZoV gmvë` AmUyZ Vr A{YH$m{YH$ J«mhH$m{^ wi H$aÊ`mMo AmìhmZ g Kà wim Zr ñdrh$mauo JaOoMo Agë`mMo V JwOamWr gam Zr m S>bo. gm`~a JwÝøm Mm Aä`mg H$ê$Z Vo JwÝho amoiê`mgmr>r J«mhH$ H$m` H$Ë`mªZr {deof à`ëz H$amdoV, Agohr AmdmhZ Ë`m Zr Ho$bo. g{dvm Xm Xo `m Zr IaoXr d {dvau ì`dñwovrb AZoH$ ~mah$mdo gm JyZ mj Xe Z Ho$bo d {e{~amwvà`m àízm Zm AË` V g n H$ CÎmao {Xbr. VgoM H$R>rU àg Jr H$m` H$amdo, `mda CÎm mj Xe Z Ho$bo. A^` XmVma `m Zr ECS g ~ Yr m{hvr {Xbr d àmooošq>aà`m gmhmæ`mzo online mjurnìh$ H$go ^amdo ho N>mZ g Omdbo. ~moardbr {d^mjmvrb H$m` H$Ë`mªMr mor>r g»`m nmhÿz mý`dam Zr g mymz ì`º$ Ho$bo d Vr {d^mjmmr VmH$X Agë`mMo Z yx Ho$bo. Zrfm nwam{uh$ d gw{ Vm {MVio `m À`m amï >JrV Jm`ZmZo H$m` H«$ mmr gm JVm Pmbr. A{Ve` Ioir oirà`m dmvmdaumv nma ns>boë`m {e{~amv 185 OU gh^mjr Pmco hmovo. {e~ra g në`mz Va amo Ð amuo `m Zm AZoH$ {e{~amwvzr XyaÜdZr H$ê$Z H$i{dbo H$s Ago H$m` H«$ hmouma AgVrb Va Amåhr H$m` H$Vm åhuyz H$m H$aÊ`mg V`ma AmhmoV. 15

A Yoar-OmoJoœar CËgmhr oimdm a{ddma 7 OmZodmar 2018 amoor w ~B J«mhH$ n Mm`VrÀ`m A Yoar-OmoJoœar {d^mjmmm 33 dm dm{f H$ oimdm A Yoar (nyd ) `owrb H$m Jma H$ë`mU H $Ð `owo g nýz Pmbm. oimì`mgmr>r à wi nmhþuo åhuyz Om{hamV joìmer {ZJS>rV ì`mdgm{`h$ gm a^ Hw$bH$Uu Va oimì`mmo AÜ`j åhuyz g ñwomo H$m`m Ü`j A S>.{earf Xoenm So> CnpñWV hmovo. H$m` H«$ mmr gwédmv gm VmH«y$P {d^mjmmr H$m` H$Vu e{ bm amzso> `m Zr amboë`m, Mmb~Õ Ho$boë`m gw Ywa ñdmjv JrVmZo Am{U JUnVrñVdZmZo Pmbr. Ë`mZ Va {d^mjmà`m H$m`m Ü`jm Amgmdar ZmMUo `m Zr {d^mjmmm Ahdmb CnpñWVm g moa m S>bm. ~ws>rv ImË`mV OmUmè`m ~±H$m Am{U {d m H $ný`m Zm dmmdê`mà`m à`ëzmv H $Ð gah$mazo g gxonwt>o gmxa Ho$boë`m " $m`zmz{e`b aopmoë`wez A ÊS> {S>nm {PQ> BÝewaÝg ~rb ({dyo`h$)' `m J«mhH$mÀ`m A{YH$mam dam Kmd Kmby nmhumè`m {dyo`h$m~m~v w ~B J«mhH$ n Mm`VrMr ^y{ H$m H$m`, `m{df`rmo A{Ve` Aä`mgnyU Am{U {dñv V {ddomz g ñwomo H$m`m Ü`j A S>. {earf Xoenm So> `m Zr CnpñWVm g moa Ho$bo. Zmoa OZmVyZ à~moyz H$aUmÀ`m CÔoemZo àw M gd CnpñWVm Zm gh^mjr H$ê$Z KoD$Z Zmoa OZmVyZ J«mhH$ à~moyzmmm H$m` H«$ {d^mjmzo àñvwv Ho$bm. AmYw{ZH$ V ÌkmZmMm dmna H$ê$Z Ho$di 30 goh $XmV A{Ve` AmH$f H$nUo Amnë`m CËnmXZmMr Om{hamV H$ê$Z J«mhH$mbm - Á`moVr mos>h$ ^wai KmbUmè`m Om{hamVtda AmYmarV hm H$m` H«$ hmovm. `mdoir EHy$U 20 Om{hamVr J«mhH$m Zm mor>çm ñh«$szda XmI{dÊ`mV Amë`m. CnpñWVm Zr EH$ AmdS>Vr d EH$ ZmdS>Vr Om{hamV `mda Mma dmš`mv Ë`m Mo A{^àm` XoÊ`mg gm JÊ`mV Ambo hmovo. CnpñWVm Zr `mg Mm Jbm à{vgmx {Xbm. CnpñWVm Zr {Xboë`m A{^àm`mÀ`m AZwf JmZo oimì`mmo à wi nmhþuo gm a^ Hw$bH$Uu Am{U g ñwoà`m n Mm`V nor> à wi Am{U A S>-dm M Šb~ à wi AZwamYm Xoenm So> `m Zr Om{hamVt~ÔbMr Cn`wŠV m{hvr CnpñWVm Zm {Xbr. gm a^ Hw$bH$Uu `m Zr w»`ëdo Om{hamV V`ma H$aÊ`mÀ`m gwédmvrnmgyz Ë`mV H$moUH$moUË`m Jmoï>tMm {dmma H$aÊ`mV `ovmo, H$m` AS>MUr `ovmv, H$moUmH$moUmer g nh $ H$amdm bmjvmo, Om{hamVrMr m S>Ur Am{U Ë`mVyZ `mo½` g Xoe { ivmo qh$dm Zmhr dj ao Jmoï>r nmhuo Aem AZoH$ ~m~r CXmhaUo XoD$Z g OmdyZ {Xë`m. {d^mjmv }$ Am`mo{OV ImÚnXmW ñnym, am Jmoir ñnym, n`m dau{df`h$ ñnym VgoM Zrbm åhmìo `m Zr KoVbobr ñnym `m Mm nm[avmo{fh$ {dvau g ma ^ nmhþuo Am{U AÜ`jm À`m hñvo g nýz Pmbm. oimì`mgmr>rmo $moq>mo JmoaoJm d {d^mjmvrb H$m` H$Ë`m Zrfm mos>h$ `m Zr H$mT>bo Va Om{hamVtÀ`m A{^Zd CnH«$ mgmr>r H$m {XdbrMo H$m` H$V} {do` dji, X{hgaMo Y amo JmoS>~mobo, g ñwomo H$ Mmar VgoM A{YH$mar dj `m Mo ghh$m` bm^bo. H$m` H«$ mmo gyìg MmbZ Jbm JmS>Jri (H$m` dmh) `m Zr Ho$bo. 16

A Yoar-OmoJoœar {d^mjmà`m dm{f H$ oimì`mv A S>. {earf Xoenm So> `m Zr F.R.D.I AWm V $m`zm {e`b aopmoë`yez A ÊS> {S>nm {PQ> BÝí`waÝg {~bmda ({dyò H$mda) w ~B J«mhH$ n Mm`VrMr ^y{ H$m- `mda A{Ve` nais> {dmma m S>bo. Ë`m À`m Aä`mgnyU Am{U g{dñva {ddomzmmm hm d Îmm VàñVmdZoV Ë`m Zr g ñwov }$ H$aÊ`mV `oumao m{gh$ {dvaummo H$m ho Mma-XmoZ Jmoï>r ñdñv Am{U ñv { imì`mv `mgmr>r ZgyZ AmnU Ë`m`moJo J«mhH$ g KQ>rV H$aVmo Am{U hr g KeŠVr J«mhH$m Mo àíz gmos>{dê`mgmr>r, gah$ma Xa~mar X~md AmUÊ`mgmR>r, gzxera mjm Zo bty>z EH $XarVM J«mhH$mbm gj H$aÊ`mgmR>r AmnU gjio ho H$arV AmhmoV, ho Ë`m Zr ñnï> Ho$bo. F.R.D.I `m {dyo`h$mmr Ia M JaO Amho H$m? `m~ôbm Ë`m Zr e H$m ì`šv Ho$br Am{U gë` ZŠH$s Hw$R>o Amho? Agm àíz Ë`m Zr Ho$bm. ømvyz dmx Omo {Z m U Pmbm Amho Vmo R>odrXmam À`m gwa{jvvo~ôbmm Amho, ho {dyo`h$ AmUbo OmVo` Ë`mVyZ gwa{jvvm Ia M H$moUmMr ~{KVbr OmVo`- ~±Ho$Mr H$s ~±Ho$Vrb R>odrXmam Mr Am{U Ë`m À`m R>odtMr? F.R.D.I ho {dyo`h$ Amnë`mVrb àë`oh$mà`m R>odrer {ZJS>rV Amho. ho, gd R>odrXmam Zm g OmdyZ gm Jm`Mo Amho, Amnë`m mo{h ov Ë`m Zm gm mdyz `m`mo Amho, Am À`m R>odr nyu nuo gwa{jv R>odÊ`mMm A{YH$ma Amåhmbm Amho Am{U Vmo Amåhr { i{dumam, Ago nais> {dmma Ë`m Zr m S>bo. ~±H$ ~ws>rv OmVo, Voìhm Ë`m Mm "Non-Performing Asset(NPA)' dmt>vmo åhuoom H$O Xmam Zr Ë`m Mr H$O} doià`mdoir nav Ho$br ZmhrV Am{U hr W{H$V H$O} Oa dmt>v Jobr Va ~±H$ S>~KmB cm ovo. `mdoir Ë`m Zr gah$mar ~±H$, H$mo-Am n.~±h$, àm`ìhoq> ~±H$ `m À`mH$So> H$O Xmam Mr WH$bobr Or H$O} AmhoV Ë`m Mo YŠH$mXm`H$ AmH$So> CnpñWVm g moa m S>bo. gßq> ~a 2017À`m AhdmbmZwgma 10 bmi H$moQ>tÀ`m da Non-Perferming assets AmhoV `mmr Ë`m Zr J ^ra Zm X KoVbr. ~±H$mZwgma H$mhr AmH$So>- 1) SBI - 1.86 homa H$moQ>r, 2) PNB - 57 F.R.D.I.Mr JaO H$m`? - Á`moVr mos>h$ homa H$moQ>r, 3) BOI - 49.360 H$moQ>r, 4) UBOI - 68,886 H$moQ>r, 5) ICICI - 44.237 H$moQ>r, 6) HDFC - 22,136 H$moQ>r B. B. mor> mor>o CÚmoJnVr VgoM ì`mdgm{`h$m Zm Am{U BVa OUm Zm ~±H$m H$Sy>Z H$O {Xbo OmVo. Ë`mMr hr AdmT>ì` ašh$! gah$mazo hr n[apñwvr J ^ranuo KoVbr Zgbr Var w ~B J«mhH$ n Mm`V mì hr n[apñwvr J ^ranuo KoUma Amho, Agm J{^ V Bemam Ë`m Zr gah$mabm {Xbm. gah$mar ` ÌUm, [apd ~±H$ Am $ B {S>`m, g ~ {YV ~±H$m Mo ZoOa, {S>aoŠQ>g ho H$m` H$aVm`V, Agm IS>m gdmb Ë`m Zr Ho$bm. ~±H$m Mo {Z` Z H$aÊ`mgmR>r Oo {d{dy H$m`Xo AmOhr ApñVËdmV AmhoV, Vo Ë`m Zr {dex H$ê$Z gm {JVbo. VgoM ~±H$m À`m gjù`m ì`dhmamda bj R>odUmè`m 1993 gmbr Amboë`m Deposit Recovery of debts due to Bank & Financial Institutional Act `m H$m`Úm~Ôb Am{U 2002 gmbr Amboë`m Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act `m XmoZ hîdmà`m Am{U à^mdr H$m`Úm Mm CëboI Ho$bm. Aem VèhoMo à^mdr H$m`Xo ~±H$m Mo {Z` Z H$aÊ`mgmR>r ApñVËdmV AgVmZm `m H$m`ÚmÝd`o {Zd}YnUo H$m H$aVm `od$ eh$vo Aer n[apñwvr AgVmZm ho Zdo {dyo`h$ H$m, `mmo CÎma AéU OoQ>br XoVrb H$m? Agm gdmb Ë`m Zr Ho$bm. `mmdoir `m {dyo`h$m Ü`o Agboë`m "Hair Cut' `m Ag gxr` eãxmmmhr Ë`m Zr Ianyg g mmma KoVbm. H$moUVmhr H$m`Xm H$aÊ`mMr EH$ g {hvm AgVo. g Ho$V AgVmV. `m {dyo`h$m Ü`o "Hair Cut' gmaim eãx dmnê$z H$m`ÚmMo nyu nuo Cëb KZ Ho$bo Amho, Agm J ^ra Amamon Ho$bm Am{U hm eãx Am{U Ë`mM~amo~a ho F.R.D.I Bill Vm~S>Vmo~ mjo `mdo Ago Ë`m Zr emgzmbm R>UH$mdyZ gm {JVbo. hm wôm AmnU gdmªzr bmdyz Yabm nm{hoo, Ago AmdmhZhr Ë`m Zr g^mgxm Zm Ho$bo. AmhoV Vo H$m`Xo gešv H$am Am{U WH$sV H$OmªMr dgwbr H$am, Aer J{^ V gymzm Ë`m Zr gah$mabm Ho$br. 17

New Consumer Protection Bill- 2018 What s in Store for Consumers? - Adv. Shirish Deshpande, Chairman, MGP The Consumer Protection Act-1986 which held ground till date will soon be replaced by a more comprehensive Consumer Protection Act 2018. Consumer Affairs Minister Shri Ram Vilas Paswan introduced the Consumer Protection Bill -2018 in Lok Sabha last month and the same is expected to be passed by the Parliament in the forthcoming budget session in February. The 1986 CPA with its 31 Sections will undergo major revamp when the Parliament will pass the new Consumer Protection Bill comprising 107 sections. What s in store for consumers under the new Act? Will it really protect the consumers in the market place or is it just old wine in a new bottle? Let s have a look at some of the salient features of the new Consumer Protection Bill 2018. Pecuniary Jurisdiction of Consumer Courts increased: District Commission to entertain Complaints of value of Rs 1 crore instead of present limit of Rs 20 lakhs. The State Commission will entertain Complaints of value between Rs 1 crore & upto Rs 10 crores. The National Commission will handle complaints of the value of above Rs 10 crores. Consumer can file complaint in a District where he resides. Provision for E filing of Consumer Complaints The Mediation Cell shall be attached to each District, State & National Commission to facilitate speedy resolution of consumer disputes through Professional Mediators. New Central Consumer Protection Authority to promote and protect and enforce the rights of consumers. Class Action to enforce recall, refund and return of goods Heavy fines/imprisonment for misleading ads by producers and celebrities Product Liability action if the product or service caused harm to consumer. 18

Xmnmocr nor>omr ju{mìo Á oð>m À m hñvo Xmnmocr nor>omo CX²KmQ>Z g H«$m Vr{Z{ Îm XmnmocrÀ m H$m H$Ë mªzr J«mhH$m Zm {ViJyi d H$mnS>r {neì m cwq>ë m. nor> g{ Vr gxñ {àvr H$moi H$a m Mm gý mz 19

Postal registration No. MCN/158/2017-2019 WPP licencse No. MR/TECH/WPP-137/North/18 Licencse to post without prepayment, on 5th & 6th Vile Parle (W) P.O. Mumbai 400 056 J«mhH$ {VVwH$m oidmdm RNI No. MAHBIL/2011/39044 Major MGP Initiative MahaRERA to set up Conciliation Forum - First of its kind in India In a major step forward under RERA regime, MahaRERA has constituted 15 Conciliation Fora to resolve disputes of aggrieved home buyers against the builders in a conciliatory mode rather than going for dilatory & expensive litigation mode. The idea of such Conciliation Forum was put before me by MGP Chairman Shirish Deshpande, who invited my attention to Sec 32 (g) of RERA last year. Frankly, till then I was not even aware of this provision. It is because of this suggestion, today we are here. These are the words in which MahaRERA Chairman Gautam Chatterjee inaugurated a gm Oñ M - à{eju H$m H«$ Informal Meeting o$~«wdmar 2018 two-day training programne for Conciliators at Rang Sharda, Bandra on 17th January. A S>. AO` ohvm, {Za OZ {hamz XmZr, Jm V M Q>Ou, {earf Xoenm S>o. {earf wioh$a, H$pënVm amzso>, AO` ohvm, {earf Xoenm S>o, g Ord Hw$bH$Uu, VZwOm amhuo, Ho$ed ~d}. gm Oñ à{eju nyu H$ê$Z, àeñvrnìh$ ñdrh$mê$z g m Pmcoco XÿV, A{YH$mar d à{ejh$m gh! 20