3/–shf{ ca AofÍaf6} kfOG5
7"nf7"nf cf}Bf]l7s / Jofkfl/s ;d"xdf dfq} nufgL -skf]{/]6 kmfOgflG;Ë_ ub{} cfPsf g]kfnsf afl0fHo AofÍx¿ clxn] gf6sLo ¿kdf pkef]Qmf cyf{t\ v'b|f nufgL -sGh'd/ kmfOgflG;Ë_ tkm{ 9lNsPsf 5g\ . Aoflͪ If]qsf] lj:tf/ tyf lubf]{ cy{tGqn] lgDTofPsf] r/d k|lt:kwf{sf sf/0f AofÍx¿ o; lsl;dsf] nufgLtkm{ cfslif{t x'g afWo ePsf b]lvG5g\ . ls:tfaGbLdf df]6/ tyf df]6/;fOsn, qm]l86 tyf P6LPd sf8{ h:tf ;'ljwfx¿dfkm{t\ u|fxs tfGb} cfPsf AofÍx¿n] otf cfP/ cfjf;–C0f sfo{qmdnfO{ k|d'v sfo{qmdsf ¿kdf k|:t't ug{ yfn]sf 5g\ .
s'df/L AofÍ, Pe/]i6 AofÍ / :6f088{ rf6{8{ AofÍn] lj1fkg u/]/} 3/–lgdf{0f shf{ lng u|fxsx¿ lgDTofpg yfn]sf 5g\ . g]lan AofÍ, g]kfn P;aLcfO{ AofÍ, AofÍ ckm sf7df8f}F / g]kfn O08li6«on P08 sdl;{on AofÍn] rflxF cfˆgf 5flgPsf u|fxsnfO{ o:tf] C0f–;'ljwf k|bfg ug]{ u/]sf 5g\ . 3/ lgdf{0fsf nflu C0f lbg] bf}8df ljQ sDkgL tyf ;xsf/Lx¿ klg ;fd]n ePsf 5g\ .
!) b]lv ;f9] !! k|ltzt;Ddsf] l:y/ tyf 36\bf] Aofhb/df nufgL ug]{ oL AofÍn] 3/–C0f r'Qmf ug]{ ;dofjlw u|fxssf] OR5f cg';f/ ;ftb]lv !% jif{ tf]s]sf 5g\ . C0f lng] k|lqmof klg w]/} ‰~‰l6nf] 5}g . gful/stf jf /fxbfgL, k|dfl0ft cfo ;|f]t, 3/sf] nfut ljj/0f h:tf ;fdfGo sfuhftsf] cfwf/df g} k|foM ;a}h;f] AofÍn] C0f k|jfx ug]{ u/]sf 5g\ .

a9\bf] nufgL rsf]{ k|lt:kwf{
rf/ dlxgfcl3 …3/, sf/ tyf lzIffÚ gfds sfo{qmddfkm{t\ …sGh'd/ kmfOgflG;ËÚ df k|j]z u/]sf] Pe/]i6 AofÍn] clxn];Dddf 3/ shf{df ?=!) s/f]8 nufgL ul/;s]sf] 5 / cfpFbf] c;f/ d;fGt;Dddf of] /sd ?=@% s/f]8 ;Dd k'¥ofpg] hfgsf/L lbPsf] 5 . xfplhË sDkgLx¿n] sf]nf]gLdf agfPsf 3/ x'g\ jf JolQmut ¿kdf s;}n] agfpg rfx]sf] PSnf] 3/ xf];\, rflxPsf] C0f ;f9] P3f/ k|ltztsf] Aofhdf !) jif{sf] dfl;s ls:tfaGbLdf lbg tof/ 5, of] AofÍ . a9LeGbf a9L nufgL xf];\ eGg] Wo]odf o;n] g]kfndf xfplhËsf] ;'?cft ug]{ cG;n rf}w/L 8]enk;{n] agfPsf 3/df nufgL ug{sf nflu ;f] sDkgL;Fu ;D‰f}tf g} u/]sf] 5 .
!) k|ltztsf] l:y/ Aofhsf] …xf]d nf]gÚ sfo{qmdsf ;fy s]xL lbgcl3 dfq} :6f088{ rf6{8{ AofÍn] of] If]qdf xft xfn]sf] 5 . :6f088{ rf6{8{sf] sfo{qmd cGtu{t pkef]Qmfn] gofF 3/ agfpg jf dd{t ug{ dfl;s ls:tfaGbLdf !% jif{leq r'Qmf ug]{ u/L ?=# nfvb]lv ?=&% nfv;Ddsf] C0f lng ;S5g\ .
Ps jif{ cufl8 :yflkt s'df/L AofÍn] rflxF 3/ lgdf{0f nufot lzIff, df]6/ / 3/fo;L j:t'x¿b]lv ljb]z e|d0fsf] nflu ;d]t C0f lbg] sfo{qmd NofP/ …sGh'd/ kmfOgflG;ËÚ g} cfˆgf] k|d'v sf/f]af/ ePsf] hgfp lbPsf] 5 . O06/g]6af6} C0fsf] nflu cfj]bg, rNtL vftfaf6 art vftfdf /sd 6«fG;km/, vftfsf] ljj/0f x]g{] h:tf ;'ljwf pknAw u/fP/ g]kfndf OG6/g]6 Joflͪsf] k|j]z klg o;}n] u/fPsf] 5 . 3/ lgdf{0fsf] nflu o;n] !! k|ltztsf] 36\bf] Aofhb/df shf{ pknAw u/fpFb} cfPsf] 5 . ;ft jif{;Dddf dfl;s ls:tfaGbLdf ltg]{ u/L ?= % nfvb]lv ?= $) nfv;Dd
shf{ pknAw u/fpg] s'df/L AofÍn] cfˆgf] j]a;fO6 www.kumaribank.com df u|fxs :jo+n] cfkm"n] lng] shf{ / To;sf] ltg'{kg]{ dfl;s ls:tfaGbLsf] lx;fa ug{ ;lsg] Joj:yf ldnfPsf] 5 .
shf{ ltg]{ ;dofjlw, Aofhsf] k|s[lt tyf ;'ne k|lqmof h:tf ljifox¿nfO{ AofÍx¿n] h;/L u|fxs tfGg] cfsif{0f agfPsf 5g\ To;/L g} AofÍx¿aLrsf] k|lt:kwf{n] shf{sf] Aofhb/ klg 36fpFb} nu]sf] 5 . rf/ dlxgf cl3;Dd ;f9] !# k|ltztsf] Aofh ltg'{kg]{ Pe/]i6 AofÍsf] cfjf; shf{ clxn] ;f9] !! k|ltztdf ‰l/;s]sf] 5 .
To:t}, shf{ nufgLdf lnOg] ;]jfz'NsnfO{ klg AofÍx¿n] cfˆgf] ;]jf laqmLsf] dfWod agfPsf 5g\ . Pe/]i6 AofÍn] ;f9] P3f/ k|ltztsf] Aofhsf] cnfjf cGo s'g} klg ;]jfz'Ns lnFb}g eg] bz k|ltztsf] l:y/ Aofhb/df nufgL ug]{ :6f088{ rf6{8{n] …k|f];]l;Ë kmLÚ sf] gfddf ! k|ltzt lng] u/]sf] 5 .

dWod ju{M AofÍsf] nIo
Pp6f lglZrt /sd art t x'g] t/ To;n] cfˆgf] cfjZostf k"/f ug{ g;Sg] cj:yf ePsfx¿ dfly x'g] nufgLnfO{ Aoflͪ If]qdf …sGh'd/ kmfOgflG;ËÚ cyf{t\ pkef]Qmf–nufgL eGg] ul/G5 . o:tf] nufgLn] d"ntM g]kfnsf pRrdWod juL{o kl/jf/ / JolQmx¿nfO{ nlIft ug]{ u/]sf] 5 . o;df JolQmsf] cfjZostf dfly p;s} Ifdtf cg';f/ nufgL x'g] u5{ . …dWodju{Ú sf] a9\bf] rfxgfnfO{ ;dfpg' g} AofÍx¿sf] nIo x'G5 . o:tf] nufgL ;–;fgf] kl/df0fdf x'g] ePsfn] Psflt/ nufgL 8'Ag] hf]lvd sd / csf{lt/ k|ltkmn a9L x'G5 . Pe/]i6 AofÍsf sfo{sf/L lgb]{zs P;P; 8faf; eG5g\, æcGo nufgLdf k|ltkmn glbg] ;DklQ -gg\ kkm{ldË P;]6–PgkLP_ s'n shf{sf] & b]lv !) k|ltzt;Dd x'G5 eg] …sGh'd/ kmfOgflG;ËÚ df o:tf] ;DklQ )=% k|ltzt klg x'Fb}g .Æ
g]kfndf ljut kfFr jif{ otf aGg yfn]sf Jofkfl/s sDKn]S;x¿df s]xL ljQ sDkgLx¿n] nufgL u/]sf] eP klg sfo{qmd g} NofP/ cfjf; shf{sf ¿kdf C0f pknAw u/fpg] k|rng s'df/L AofÍ tyf Pe/]i6 AofÍn] z'? u/]sf x'g\ . o;cl3 @)%!÷%@ ;fnlt/ g]lan AofÍn] lghL sf/df nufgL u/]/ …sGh'd/ kmfOgflG;ËÚ sf] jLhf/f]k0f u/]sf] lyof] .
dfl;s ls:tfaGbLdf ltg]{ u/L 3/ agfpg lbPsf] C0f eg]sf] AofÍx¿sf] nfdf] cjlwsf] nufgL
-;DklQ_ xf], o;sf nflu AofÍx¿nfO{ nfdf] cjlwsf] lgIf]k -bfloTj_ sf] cfjZostf k5{ . t/ g]lan AofÍsf k|aGws e'jg bfxfn eG5g\, æclxn]sf nflu AofÍx¿df l:y/ ag]/ a:g] u/]sf] rNtL / art vftfsf qmdzM ^) / *) k|ltzt k"FhL g} sGh'd/ kmfOgflG;Ësf nflu oy]i6 5 .Æ
v:sFbf] cy{tGqn] ubf{ C0f c;'nL gx'g' tyf gofF nufgLsf cj;/ gkfpg] h:tf ;d:of clxn] clwsf+z afl0fHo AofÍx¿n] ef]lu/x]sf 5g\ . k|foM ;a}h;f] AofÍsf] k/Dk/fut nufgL vl:sPsf] 5 . o:tf] cj:yfdf cfjf; shf{ nufotsf v'b|f nufgLsf If]qx¿ pQd ljsNksf] ¿kdf ljsl;t ePsf 5g\, g]kfnsf] Aoflͪ If]qdf .