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weR Gi ‰Î gvwmK gyLcG
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GKRb `ÿ FY e¨e¯’vcK‡K bM` A_© Ajm fv‡e bv †i‡L FY MÖnxZv‡`i wbKU fvj Lv‡Z/cÖK‡í wewb‡qvM Kiv cÖwZôv‡bi Rb¨ AwaK jvfRbK| aiv hvK, †Kvb cÖwZôv‡bi 1000,000,000 (GKkZ †KvwU) UvKv F‡bi dvÛ Av‡Q Ges H cÖwZôvb 13% mvwf©m PvR© Avq K‡i| wKš‘ cÖwZôvbwU hw` Gi dv‡Ûi 20% A_© Ajm fv‡e e¨vs‡K †i‡L †`q Z‡e wK n‡e ? hw` cÖwZôvbwU m¤ú~Y© UvKvB FY weZiY Ki‡Z cvi‡Zv Z‡e cÖwZôvb Avq Ki‡Z cvi‡Zv 13% wKš‘ †h‡nZz cÖwZôv‡bi dv‡Ûi 20% UvKv Ajm fv‡e e¨vs‡K 0% (CD A/C) A_ev 4% (STD A/C) my‡` _vK‡Q G †ÿ‡Î Av‡qi Dci wb¤œ fv‡e cÖfve co‡Q| hw` mKj UvKv FY wnmv‡e weZiY Kiv †hZ Z‡e Avq n‡Zv (1000,000,000 *13%) = 130,000,000 (‡Zi †KvwU) UvKv wKš‘ dv‡Ûi 20 fvM hw` STD A/C-G _v‡K Z‡e Avq n‡e Zvi 4% A_©vr G †ÿ‡Î G dvÛwU Kvh©Z (20%*4%) + (80% * 13%) = 11.2% nv‡i †gvU 1000,000,000 * 11.2% = 112,000,000 (GMvi †KvwU wek jÿ) UvKv Avq Ki‡e| G †ÿ‡Î Ajm A‡_©i Rb¨ cÖwZôvb (130,000,000 - 112,000,000) = 1,80,00000/- (GK †KvwU Avwk jÿ) UvKv Avq †_‡K ewÂZ n‡e| Ab¨w`‡K dv‡Ûi 20 fvM hw` CD A/C-G _v‡K Z‡e Avq n‡e Zvi 0% A_©vr G †ÿ‡Î G dvÛwU Kvh©Z (20%*0%) + (80% * 13%) = 10.4% nv‡i †gvU 1000,000,000 * 10.4% = 104,000,000 (`k †KvwU Pwjøk jÿ) UvKv Avq Ki‡e| G †ÿ‡Î Ajm A‡_©i Rb¨ cÖwZôvb (130,000,000 - 104,000,000) = 2,60,00000/- (`yB †KvwU lvU jÿ) UvKv A_ev (13%-10.4%) = 2.6% Avq †_‡K ewÂZ n‡e| D‡jøwLZ wnmve Abyhvqx †`Lv hvq, Ajm A_© ‡h †Kvb Avw_©K cÖwZôv‡bi Rb¨B BwZevPK bq| we‡kl K‡i ÿz`ª FY`vbKvix cÖwZôv‡bi Ajm A_© wb‡q AviI GKUz Mfxi fv‡e hw` we‡kølY K‡i †`Lv nq Zvn‡j Gi weiƒc cÖfv‡ei gvÎv KZUzKz †bwZevPK Zv mn‡RB Abygvb Kiv hvq| ÿz`ª FY`vbKvix cÖwZôv‡bi i‡q‡Q N~b©vqgvb/AveZ©gvb FY Znwej| G Znwe‡ji gva¨‡gB cÖwZôvb I Zvi myweav‡fvMx MÖvnKMY DcK…Z n‡q _v‡K| G †ÿ‡Î cÖwZôv‡bi A_© hw` fvj F‡Y wewb‡qvM bv n‡q Ajm fv‡e e¨vs‡K c‡o _v‡K Z‡e GKw`‡K †hgb cÖwZôvb Zvi Avq †_‡K ewÂZ nq cvkvcwk e¨vsK KZ©„K wbqgvbyhvqx wewfbœ mg‡q D³ A‡_©i Dci wewfbœ ai‡bi PvR© KZ©b mv‡c‡ÿ µgvMZ fv‡e cÖwZôvb ÿwZMÖ¯’ nq| GQvovI myweav‡fvMx MÖvnKMYI Av_©-mvgvwRK Dbœq‡b bvbv Avq eשYg~jK Kg©KvÛ †_‡K ewÂZ nq | GB fv‡e ewÂZ m`m¨/MÖvn‡Ki msL¨v fMœvs‡ki gZ AwZ Aí g‡b n‡jI N~b©vqgvb/AveZ©gvb wnmv‡e Zv bq| Kvib cÖwZôvb AvR‡K †h A_© FY wnmv‡e cÖ`vb Ki‡Q mßvn ci †mB A_© †_‡K Avevi wKw¯Í †diZ cv‡”Q| Gfv‡e eûmsL¨K MÖvnK KZ©„K µgvMZ wKw¯Í †di‡Zi GB A_© Avevi P‡j hv‡”Q µgvMZ fv‡e Aci †Kvb MÖvn‡Ki Kv‡Q| N~b©vqgvb/AveZ©gvb GB Pjgvb cÖwµqvq welqwU‡K †`L‡j ÿz`ª FY Kvh©µ‡g cÖK…Z A‡_© Avgiv/cÖwZôvb AMwbZ m`m¨/MÖvnK-‡K †hgb ewÂZ KiwQ wVK †Zgwb ewÂZ n‡”Q cÖwZôvb Zvi Avq †_‡K| d‡j cÖwZôv‡b Kg©iZ mKj ch©v‡qi Kgx©/Kg©KZ©v DˇivËi Avw_©K myweavw` †_‡KI ewÂZ n‡”Q| Ajm A‡_©i Kvi‡b †h weiƒc cÖwZwµqv m„wó nq Zvi Kzdj ev †bwZevPK cÖfve AmsL¨ ¯Í‡i A‡bK `~i ch©šÍ ¯úk© K‡i _v‡K| welqwU‡K hw` AviI e„nr cwim‡i wPšÍv Kiv nq Zvn‡j ‡`Lv hv‡e-Gi weiƒc cÖfve †`‡ki RvZxq A_©‰bwZK cÖe„wׇZI ¯úk© Ki‡Q| G A‡_© welqwU‡K GKwU ev‡K¨ cÖKvk Kiv n‡j Gi weiƒc cÖfve GKgyLx bv n‡q eûgyLx A‡_© cÖKvk cv‡e A_©vr cÖK…Z A_© `uvov‡e Òwb‡R‡K ewÂZ Kiv, Aci‡KI ewÂZ Kiv Ges ‡`k‡K (GDP-‡Z weiƒc cÖfve) ewÂZ KivÓ| G A‡_© welqwU‡K fMœvs‡ki gZ AwZ ¶z`ª g‡b Kiv A_ev ‡QvU K‡i †`Lv †gv‡UB wVK n‡e bv| ‡h†Kvb Avw_©K cÖwZôv‡bi we‡kl K‡i ÿz`ª FY`vbKvix cÖwZôv‡bi cÖavb Ges GK gvÎ Av‡qi Drm n‡jv Zvi wewb‡qvMK…Z F‡Yi wecix‡Z cÖvß mvwf©m PvR© (Interest)| G w`K †_‡K †Kvb ÿz`ª FY`vbKvix cÖwZôv‡bi DwPZ n‡e A_© ¸iæZ¡c~Y©| wbivc`, A_©en I h_vh_ ev¯Íevq‡bi D‡Ï‡k¨ Avw_©K e¨e¯’vcbvi
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