OZVm ghH$mar ~±H$ {b., nwUo
1
JéS> Pon
www.janatabankpune.com
gZ 2015 - A§H$ 6 dm (OZVm ghH$mar ~±H$ {b., nwUo Ûmam àH$m{eV J¥hn{ÌH$m : Ho$di ImgJr {dVaUmgmR>r)
AÜ`jm§Mo boIUrVyZ
{X. 18 Am°³Q>mo~a 2015
åhUOo ~±Ho$À¶m 66ì¶m
dYm©nZ{XZr 6 ZdrZ emIm
gwê$ H$ê$Z ~±Ho$À¶m B{VhmgmV
EH$ ZdrZ nmZ {b{hbo
Jobo. ¶m~m~V ZdrZ emIm
CKS>ʶmMo H$m‘mV ñWmda,
g§JUH$, {Z¶moOZ d àemgZ {d^mJmÀ¶m godH$m§Zr
d A{YH$mè¶m§Zr KoVbobo n[al‘ H$m¡VwH$mg nmÌ
AmhoV. ˶m gdmªMo ‘r ‘Z…nyd©H$ A{^Z§XZ H$aVmo.
g§ñWoÀ¶m àJVr~m~V {dMma H$aVmZm ìhQ>uH$b J«moW
Am{U hm°arPm±Q>b J«moW Aem 2 g§H$ënZm dmnaë¶m
OmVmV. R>odr, H$O}, ^mJ ^m§S>db ¶mVrb dmT> hr
ìhQ>uH$b J«moW Pmbr. Vr AmnU AZoH$ df} H$arV
AmhmoV d ˶m‘ܶo gd© godH$m§Mm gh^mJ AgVmo.
emIm {dñVma hr hm°arPm±Q>b J«moW hmo¶. ˶mgmR>r
[aPìh© ~±Ho$Mr nadmZJr dJ¡ao ~mø KQ>H$m§Mr
(E³ñQ>Z©b ’°$³Q>g©) nyV©Vm bmJVo. emIm{dñVmamMo
AZoH$ ’$m¶Xo AmhoV. OZ‘mZgmVrb à{V‘m
gwYmaVo, ZdrZ {R>H$mUm§À¶m ZdrZ ^m¡Jmo{bH$ d
gm‘m{OH$ pñWVr‘wio ì¶dgm¶mÀ¶m ZdrZ g§Yr
CnbãY hmoVmV, n¶m©¶mZo ìhQ>uH$b J«moWhr gmܶ
hmoVo, ZdrZ godH$ dJ© Zo‘mdm bmJVmo, ì¶dgm¶
dmT>r‘wio nXmoÞVrÀ¶m OmXm g§Yr godH$m§Zm CnbãY
hmoVmV, J«mhH$m§Zm godm XoVmZm gwb^Vm dmT>Vo,
EH$mM àH$maÀ¶m ì¶dgm¶m‘wio ì¶dgm¶mVrb
OmoIr‘ dmT>V AgVo, ˶mEodOr ZdrZ emIm§‘wio
ZdrZ àH$maMm ì¶dgm¶ Agë¶m‘wio OmoIr‘
{dñVmaV OmD$Z OmoI‘rMm à^md H$‘r hmoVmo,
godH$ ZdrZ J«mhH$m§À¶m d ì¶dgm¶m§À¶m g§nH$m©V
¶oD$Z AOyZ AZw^d g‘¥Õ hmoVmo, godH$mbm ˶mÀ¶m
ng©Z°{bQ>r S>oìhbn‘|Q>bm OmñV dmd {‘iVmo, Ago
ZdrZ emIm§Mo AZoH$ à˶j d Aà˶j (S>m¶ao³Q>
d BZS>m¶ao³Q>) ’$m¶Xo AgVmV. àJVr~m~V
{dMma H$aVmZm AOyZ EH$ g§H$ënZm AgVo {Vbm
Am°aJ°{ZH$ J«moW Agm eãXà¶moJ dmnaVmV. ¶mMm
AW© {Z¶{‘VnUo, Z¡g{J©H$nUo d e³¶Vmo gdmªJrU
dmT> Agm hmo¶. EImXoM ‘moR>o H$O© ImVo dm R>od ImVo
{‘iyZ ˶m‘wio emIoÀ¶m
 nmZ H«$. 5 da ...
~±Ho$À¶m 66 ì¶m dYm©nZ{XZr
XþîH$miJ«ñV Jmdm§Zm 15 bmIm§Mm {ZYr
amÁ¶mV EH$mM doir ghm emIm§Mm ew^ma§^
OZVm ~±Ho$À¶m 66 ì¶m dYm©nZ{XZr (18 Am°³Q>mo~a 2015) ~±Ho$À¶m dVrZo Im.
amdgmho~ XmZdo, Am. ~~Zamd bmoUrH$a, ~±Ho$Mo g§MmbH$ OJXre H$X‘, ‘w»¶
H$m¶©H$mar A{YH$mar O¶§V Ho$VH$a ¶m§À¶m hñVo am. ñd. g§K OZH$ë¶mU g{‘Vrbm én¶o
15 bmIm§Mm {ZYr àXmZ H$aʶmV Ambm. hm {ZYr g{‘VrMo nXm{YH$mar AéUamd S>§Ho$
d ~miH¥$îU ImZdobH$a ¶m§Zr ñdrH$mabm.
nwUo : ghH$mar ~±qH$J joÌmV AmKmS>rda
AgUmè¶m Amnë¶m ~±Ho$Zo gm‘m{OH$
~m§{YbH$sMr OmUrd R>odV Amnë¶m 66
ì¶m dYm©nZ{XZr (18 Am°³Q>mo~a 2015)
‘amR>dmS>çmVrb OmbZm, bmVya Am{U CX²Jra
n[agamVrb XþîH$miJ«ñV Jmdm§Zm nmʶmÀ¶m
Q>m³¶m Am{U Mmam CnbãY H$aʶmgmR>r
én¶o 15 bmIm§Mm {ZYr {Xbm. OmbZm
¶oWo Pmboë¶m EH$m {dfoe H$m¶©H«$‘mV ‘hmamï´>
àXoe ^mOnmMo Aܶj Im. amdgmho~ XmZdo,
OmbݶmMo nmbH$‘§Ìr Am. ~~Zamd bmoUrH$a,
~±Ho$Mo g§MmbH$ OJXre H$X‘ Am{U ‘w»¶
H$m¶©H$mar A{YH$mar O¶§V Ho$VH$a ¶m§À¶m hñVo
am. ñd. g§K OZH$ë¶mU g{‘VrMo H$m¶©dmh
AéUamd S>§Ho$ Am{U H$mofmܶj ~miH¥$îU
ImZdobH$a ¶m§Zm gwnyX© H$aʶmV Ambm. ¶m
àg§Jr OmbݶmMo Am‘Xma AOw©Zamd ImoVH$a,
am. ñd. g§KmMo nXm{YH$mar A{Zbamd
^mboamd, OmbݶmVrb CÚmoOH$, ‘mݶda,
ImVoXma, {hVqMVH$ ‘moR>çm g§»¶oZo CnpñWV
hmoVo.
~±Ho$Mm 66 dm dYm©nZ{XZ a{ddma,
{X. 18 Am°³Q>mo~a 2015 amoOr CËgmhmV
gmOam H$aʶmV Ambm. Ombݶmgh bm§Om,
Zm{eH$, Jm§YrZJa-H$moëhmnya, ‘wbw§S> (n.)
 nmZ H«$. 6 da ...
Am{U nwʶmVrb
2
OZVm ghH$mar ~±H$ {b., nwUo
Jm§YrZJa (H$moëhmnya) emIoMo d EQ>rE‘ g|Q>aMo CX²KmQ>Z g§nÞ
gwà{gÕ gañdVr gmS>r g|Q>aMo ‘mbH$ ‘m. lr. e§H$aeoR> XþëhmZr emIoMo
CX²KmQ>Z H$aVmZm.
H$moëhmnya : Amnë¶m ~±Ho$À`m Jm§YrZJa emIoMo
CX²KmQ>Z Jm§YrZJa `oWrb gwà{gÕ gañdVr gmS>r
g|Q>aMo ‘mbH$ ‘m. lr. e§H$aeoR> XwëhmZr d EQ>rE‘
g|Q>aMo CX²KmQ>Z ^m§~wao CÚmoJg‘yhmMo lr. gw^mfeoR>
^m§~wao `m§À`m hñVo d lr. ^OZbmb S|>~S>m AÜ`j
nyÁ` qgYr g|Q´b n§Mm`V `m§À`m à‘wI CnpñWVrV
g§nÞ Pmbo.
bú‘rnyOZ d XrnàÁdbZ H$ê$Z H$m`©H«$‘mbm
gwédmV H$aÊ`mV Ambr. lr. {dZ` XwZmIo
ghmæ¶H$ ‘hmì`dñWmnH$ `m§Zr ~±Ho$À`m {d{dY
R>od d H$O© `moOZm§Mr ‘m{hVr XoVmZm ì`º$s d
^m§~wao CÚmoJg‘yhmMo lr. gw^mfeoR> ^m§~wao EQ>rE‘ g|Q>aMo
CX²KmQ>Z H$aVmZm.
g‘mO C^m H$aÊ`mgmR>r OZVm ~±H$ H$m`©aV
Agë`mMo gm§{JVbo. VgoM EH$mM N>VmImbr gd©
àH$maÀ`m Am{W©H$ JaOm nyU© hmoÊ`mgmR>r Jm§YrZJa
emIo‘Ü`o ImVo CKS>mdo, Ago AmdmhZ Ho$bo.
~±Ho$Mo g§nH©$ g§MmbH$ ‘m. lr. bú‘U ndma `m§Zr
N>moQ>çm bmoH$m§Mr ‘moR>r ~±H$, gwg§ñH$m[aV godH$
dJ©, AË`§V {dZ‘« godm d gmVË`mZo J«mhH$m§Zm
H$m` nm{hOo, `mMm {dMma H$ê$Z YmoaU AmIUmao
g§MmbH$ ‘§S>i Agë`m‘wio Jm§YrZJa emIo‘Ü`o
ì`mnmè`m§Zr Amnbr ImVr CKS>mdrV d H$Om©Mm
bm^ ¿`mdm, Ago AmdmhZ Ho$bo.
Zm{eH$ emIoMm emZXma ew^ma§^ g§nÞ
emIoMo CX²KmQ>Z H$aVmZm ‘m. A°S>. C‚db {ZH$‘, g‘doV S>mdrH$Sy>Z lr. {ham‘UOr Amhoa,
lr. O¶§V H$mH$VH$a, lr. gwZrb ~mnQ>, lr. g§O¶Or bobo.
~±Ho$À`m Zm{eH$ emIoMm ew^ma§^ a{ddma, Amhoa `m§Mo ew^hñVo emIoÀ`m E.Q>r.E‘.
{X. 18.10.2015 amoOr Pmbm. CX²KmQ>Z godoMo CX²KmQ>Z Pmbo. `m gmohù`mMo WoQ>
gmohim emIoMo OmJr Va ‘w»` g‘ma§^ ^mogbm àjonU CnpñWVm§À`m gmo`rgmR>r ‘w§Oo g^mJ¥hmV
{‘{bQ>ar ñHy$b `oWrb ‘w§Oo g^mJ¥hmV g§nÞ XmIdÊ`mV Ambo.
Pmbm. à»`mV {d{Yk ‘m. A°S>. lr. C‚dbOr
‘w§Oo g^mJ¥hmVrb ‘w»` g‘ma§^mV
{ZH$‘ `m§Zr emIoMo CX²KmQ>Z Ho$bo. ‘qhÐm gyÌg§MmbH$, emIoMo H${Zð> A{YH$mar lr.
Am{U ‘qhÐm `m§Mo CnmÜ`j ‘m.lr. {ham‘UOr XÎmàgmX Omoer `m§Zr CnpñWVm§Mo ñdmJV Ho$bo.
lr. e§H$aeoR> XwëhmZr d lr. gw^mfeoR> ^m§~wao
`m§Zr ~±Ho$bm ew^oÀN>m XoD$Z `m n[agamVrb ZdrZ
hmoVH$ê$ VéUm§Zm Am{W©H$Ñï>çm ‘O~yV nm`mda
C^o amhÊ`mgmR>r AW©ghmæ` d CÚmoJmMo kmZ,
à{ejU XoÊ`mMo H$m`©H«$‘ Am`mo{OV H$amdoV Aer
Anojm ì`º$ Ho$br. `màg§Jr ~±Ho$Mo g§MmbH$
lr. gwZrb ‘wVm{bH$, lr bú‘U ndma, d[að>
A{YH$mar lr àH$me JmobH$moQ>dma, lr amYmH¥$îU
{b‘`o CnpñWV hmoVo. emIoMo emImì`ñWmnH$ lr.
am‘ XmVma `m§Zr CnpñWVm§Mo Am^ma ‘mZbo d lr.
ho‘§V ‘hmamd `m§Zr H$m`©H«$‘mMo gyÌg§MmbZ Ho$bo.
~±Ho$Mo gh‘hmì`dñWmnH$ ‘m. lr. O`§V
H$mH$VH$a `m§Zr àmñVm{dH$ Ho$bo. Ë`mZ§Va lr
Omoer `m§Zr ‘mÝ`dam§Mm n[aM` H$ê$Z {Xbm.
VXZ§Va ~±Ho$Mo CnmÜ`j ‘m. lr. g§O`Or
bobo `m§Zr g^og g§~mo{YV Ho$bo. Ë`mV Ë`m§Zr
~±Ho$À¶m H$m`m©Mm VgoM {dñVma `moOZm§Mm
AmT>mdm KoVbm. ‘m. lr. {ham‘UOr Amhoa
`m§Zr Zm{eH$ eha Am¡Úmo{JH$Ñï>çm PnmQ>çmZo
{dH${gV hmoV AgyZ Ë`m AZwf§JmZo OZVm
~±Ho$gma»`m à{WV`e ~±Ho$Mr ehamV {ZVm§V
Amdí`H$Vm Agë`mMo à{VnmXZ Ho$bo. OZVm
~±H$ ho AmìhmZ g‘W©nUo nobob, Agm Ë`m§Zr
{dœmg ì`º$ Ho$bm. ‘m. lr. C‚dbOr {ZH$‘
`m§Zr ~±H$m§Zr ì`dgm{`H$Vo~amo~aM gm‘m{OH$
O~m~XmarMo ^mZ R>odUo VgoM Am{W©H$
joÌmVrb Anàd¥ÎmtZm Amim KmbUo Amdí`H$
Agë`mMo gm§{JVbo. OZVm ~±H$ ho H$m`© {Z{üV
H$aob, Agm {dœmg Ë`m§Zr Xe©{dbm.
emImì`dñWmnH$ lr. gwZrb ~mnQ> `m§Zr
CnpñWVm§Mo VgoM emIog ghH$m`© H$aUmè`m
gdmªMo Am^ma ‘mZbo. lr. XÎmàgmX Omoer
`m§À`m ngm`XmZmZo H$m`©H«$‘mMr gm§JVm Pmbr.
OZVm ghH$mar ~±H$ {b., nwUo
3
66 ì`m dYm©nZ{XZr bm§Om emIoMm ew^ma§^
nma nS>bo. emIoMo CX²KmQ>Z bm§Om-amOmnya {dYmZg^m ‘VXmag§KmMo
Am‘Xma ‘m. lr. amOZ gmidr `m§À`m hñVo; Va emIoÀ`m E.Q>r.E‘.
Mo CX²KmQ>Z ~±Ho$Mo ‘mOr g§MmbH$ ‘m. lr. ‘Zmoha> {^S>o `m§À`m hñVo
Pmbo. H$m`©H«$‘mMo AÜ`jñWmZ bm§Om ZJa n§Mm`VrÀ`m ZJamÜ`jm ‘m.
gm¡. g§nXm dmKYao `m§Zr ^yf{dbo. H$m`©H«$‘mbm ~±Ho$Mo VÁk g§MmbH$
‘m. {dO` ^mdo, g§MmbH$ ‘m. ‘h|Ð ndma Am{U gh‘hmì`dñWmnH$
‘m. A^` ~mnQ> d Cn‘hmì`dñWmnH$ ‘m. AmZ§X gmohZr CnpñWV
hmoVo. ‘m. ~mnQ> ¶m§Zr àmñVm{dH$m‘Ü`o ~±Ho$Mr gÜ`mMr dmQ>Mmb d nwT>rb
C{Ôïço `m~m~V g{dñVa ‘m{hVr {Xbr. Va ‘m. ^mdo ¶m§Zr OZVm ~±H$ hr
N>moQ>çm bmoH$m§Mr ‘moR>r ~±H$ AgyZ "~±Ho$Mm n¡gm gdmªZm bm^Vmo,' `m ~±Ho$Mo
AÜ`j ‘m. IiXH$a gmho~m§À`m C³VrMm gdmªZr AZw^d ¿`mdm, Ago
bm§Om-amOmnya {dYmZg^m ‘VXmag§KmMo Am‘Xma ‘m. lr. amOZ
CX²Jma H$mT>bo. ‘m. amOZ gmidr `m§Zrhr AmnU `m ~±Ho$Mo OwZo J«mhH$
gmidr `m§À`m hñVo emIoMo CX²KmQ>Z g§nÞ. g‘doV bm§Om ZJa
AgyZ Ë`mMm A{^‘mZ Agë`mMo gm§{JVbo. bm§Om n§MH«$moerVrb gw‘mao
n§Mm¶VrÀ¶m ZJamܶjm ‘m. gm¡. g§nXm dmKYao d BVa.
Amnë¶m ~±Ho$À`m 66ì`m dYm©nZ{XZr ~±Ho$À`m Zì`mZo gwê$ Pmboë`m XmoZeo ZmJ[aH$ Am{U ~±Ho$Mo godH$ CnpñWV hmoVo. H$m`©H«$‘mMo gyÌg§MmbZ
6 emIm§‘Ü`o ‘w§~B©-Jmodm ‘hm‘mJm©darb bm§Om, {Oëhm aËZm{Jar `oWo {X. {MniyU emIoMo emIm ì`dñWmnH$ lr. {dZm`H$ Omoer `m§Zr, Va Am^ma
18/10/2015 amoOr 53ì`m emIoMo CX²KmQ>Z {X‘mIXma gmohù`mV àXe©Z bm§Om emIoMo emIm ì`dñWmnH$ lr. {‘qbX AmR>ë`o `m§Zr Ho$bo.
‘wbw§S> emIm CX²KmQ>Z gmohim g§nÞ
Amnë`m ~±Ho$À`m ‘wbw§S> emIoMm
d EQ>r‘ H|$ÐmMm ew^ma§^ a{ddma {X.
18 Am°ŠQ>mo~a 2015 amoOr ‘wbw§S>
{d^mJmVrb {dÚ‘mZ H$m`©g‘«mQ>
Am‘Xma lr. Vmam qgh `m§À`m
ew^hñVo H$aÊ`mV Ambm. Amnë`m
~±Ho$Mr hr 51 dr emIm Amho.
CX²KmQ>Z g‘ma§^mbm ‘wbw§S> `oWrb
ZJagodH$ lr. àH$me J§JmYao,~±Ho$Mo
g§MmbH$ lr. {H$emoa ehm d g§MmbH$
lr. AVwb ~oS>oH$a d g§K n[admamVrb
‘mÝ`da, ZmJ[aH$,‘w§~B©Vrb BVa emIm§Vrb
‘mÝ`da J«mhH$, godH$ dJ© Am{U {hVqMVH$
CnpñWV hmoVo. CX²KmQ>Zmnydu emImì`dñWmnH$
lr. g§O` VmdS>o `m§Zr gnËZrH$ lr
gË`Zmam`UmMr nyOm gH$mir Ho$br. `mdoir
~±Ho$Mo ‘mOr ‘w»` H$m`©H$mar A{YH$mar lr.
dg§V Hw$bH$Uu, Cn ‘hmì`dñWmnH$ lr.XodMHo$
VgoM ‘w§~B©Vrb BVa emIm§‘Yrb gd© godH$
dJ© CnpñWV hmoVm.
àW‘ EQ>r‘ H|$ÐmMo d Z§Va emIoMo CX²KmQ>Z
Am‘Xma lr. Vmam qgh `m§À`m ew^hñVo Pmbo
d Z§Va XrnàÁdbZ H$aÊ`mV Ambo. gXa
H$m`©H«$‘mMo doir emIoVrb godH$ lr. {dZrV
AmoH$ `m§Zr gyÌg§MmbZ Ho$bo. ~±Ho$Mo gh
‘hmì`dñWmnH$ lr. S>r. Or. Hw$bH$Uu gmho~
`m§Zr H$m`©H«$‘mMo àmñVm{dH$ ~±Ho$Mr ‘m{hVr
gm{JVbr. g§MmbH$ lr. {H$emoa ehm `Zr
am.ñd.g§KmMo KmQ>H$mona {d^mJ g§KMmbH$
lr.aVZOr emaXm d lr. AVwb ~oS>oH$a `m§Zr
Am‘Xma lr. Vmam qgh `m§Mo emb lr’$i
VgoM nwînJwÀN> XoD$Z ñdmJV Ho$bo. VgoM
~±Ho$À`m d[að> A{YH$mè`m§Zr {~ëS>a lr. haoe
M§XZ, emIoVrb B§Q>rarAa² H$aUmao lr‘Vr. bobo
d BbopŠQ´{e`ZMo H$m‘ H$aUmao lr. `moJoe
`m§Mm emb lr’$i VgoM nwînJwÀN> XoD$Z
gËH$ma Ho$bm. am.ñd.g§KmMo KmQ>H$mona {d^mJ
g§KMmbH$ lr.aVZOr emaXm d Am‘Xma lr.
Vmam qgh `m§Zr ~±Ho$À`m C‚db ^{dVì`mgmR>r
ew^oÀN>m {Xë`m. lr. g§O` VmdS>o `m§Zr
‘mÝ`dam§Mo Am^ma ‘mZyZ H$m`©H«$‘mMm g‘mamon
Ho$bm.
~mOramd amoS> emIoMo
"N>moQ>o H$O©dmT> A{^¶mZ'
¶eñdr
Amnë¶m ~±Ho$À¶m ~mOramdamoS> emIoZo
Am°³Q>mo~a d Zmoìh|~a 2015 ¶m XmoZ
‘{hݶm§‘ܶo àm‘w»¶mZo gUmgwXrMm
H$mbmdYr {dMmamV KoD$Z {Z¶moOZnyd©H$
N>moQ>çm H$Om©Mo A{YH$m{YH$ {dVaU
Ho$bo.
¶m N>moQ>çm H$O© dmT>rÀ¶m A{^¶mZmg
emIo‘ܶo {X. 01/10/2015 amoOr
~±Ho$Mo VÁk g§MmbH$ ‘m. {dO¶ ^mdo
¶m§À¶m ew^hñVo gwadmV Pmbr. ¶m
XmoZ ‘{hݶm§gmR>r emIo‘ܶo {d{dY
J¥hCn¶moJr dñVw d EH$m J¥hàH$ënm§Mo
gmXarH$aU H$aʶmV Ambo hmoVo.
‘m. ^mdo gmho~m§Zr ˶m§À¶m
CX²KmQ>ZmÀ¶m ^mfUm‘ܶo Zo‘H$s N>moQ>r
H$O© åhUOo H$moUVr, ˶mMm Amnë¶m
~±Ho$er Agbobm g§~§Y, ˶mMr
Amdí¶H$Vm AmXr ~m~r {dñV¥V Z‘yX
Ho$ë¶m. ¶m àg§Jr ¶oadS>m ^mJm‘ܶo ‘mob
‘Owar H$aUmè¶mgmR>r ~±Ho$Zo {Xboë¶m
J¥hH$Om©Mm AmdOw©Z CëboI Ho$bm.
4
OZVm ghH$mar ~±H$ {b., nwUo
dmaOo emIm d EQ>rE‘Mo CËgmhmV CX²KmQ>Z g§nÞ
emIoMo CX²KmQ>Z H$aVmZm ‘hmnm¡a lr. XÎmmÌ`Or YZH$dS>o.
Amnë¶m ~±Ho$Mr 54 dr emIm nwÊ`mVrb
Zì`mZo {dH${gV Pmboë`m dmaOo ‘midmS>r
`m ^mJmV ~±Ho$À`m dYm©nZ{XZr åhUOoM {X.
18/10/2015 amoOr Zì`mZo gwê$ Pmbr.
emIoMo CX²KmQ>Z nwÊ`ZJarMo ‘hmnm¡a lr.
XÎmmÌ`Or YZH$dS>o Va ATM Mo CX²KmQ>Z
à{gÕ ì`§J{MÌH$ma d gm‘m{OH$ H$m`©H$V} lr.
‘§JoeOr V|Sw>bH$a `m§À`m hñVo ’$sV H$mnyZ d
XrnàÁdbZ H$ê$Z Pmbo.
`m àg§Jr ~±Ho$Mo AÜ`j ‘m. AaqdX
IiXH$a, g§MmbH$ ‘m. lr. gwYra n§{S>V,
lr. am‘Xmg qeXo, S>m°. gm¡. ‘Ywam H$g~oH$a,
‘mOr ‘w»` H$m`©H$mar A{YH$mar lr. {dO`amd
ATM Mo CXKmQ>Z à{gÕ ì`§J{MÌH$ma d gm‘m{OH$ H$m`©H$V}
H$a‘aH$a VgoM ~±Ho$À`m nwÊ`mVrb VgoM
nwÊ`m~mhoarb emIm§Mo emIm ì`dñWmnH$,
godH$ dJ©, gm‘m{OH$ H$m`©H$V}, {d{dY
amOH$s` njmVrb ZoVo, H$m`©H$V} d dmaOo
‘midmS>rVrb Zm‘d§V `m àg§Jr CnpñWV hmoVo.
`m àg§Jr emIoV gË`Zmam`UmMr ‘hmnyOm
Am`mo{OV Ho$br hmoVr.
~±Ho$À`m CX²KmQ>Z àg§Jr ‘m. ‘hmnm¡a lr.
XÎmmÌ`Or YZH$dS>o `m§Zr ~±H$ Á`m H$R>rU
n[apñWVrVyZ ~mhoa Ambr, Ë`m~Ôb àe§gZr`
CX²Jma H$mT>bo d BVa ghH$mar joÌmVrb
~±H$mnwT>o AmXe© KmbyZ {Xë`mMo gm§{JVbo.
VgoM OZVm ~±H$ dmaOo ‘midmS>r n[agamVrb
lr. ԤJoeOr V|Sw>bH$a.
ZmJ[aH$m§Zm CÎm‘ godm XoD$Z bdH$aM
Zmdbm¡{H$H$ {‘idob, `m~m~V ImÌr ì`º$
Ho$br d emIoMm CËH$f© hmoÊ`mgmR>r ew^oÀN>m
ì`º$ Ho$ë`m.
VgoM ‘m. lr. V|Sw>bH$a `m§Zr Amnbo ‘ZmoJV
ì`º$ H$aVmZm ~±Ho$Mo AÜ`j, g§MmbH$ ‘§S>i
d gd© godH$ `m§À`m~Ôb Jm¡admoX²Jma H$mT>bo.
VgoM ATM godoMm ew^ma§^ Ho$bm. Ë`m àg§Jr
godm Mm§Jbr Úm, ‘mUgo AmnmoAmn OmoS>br
OmVrb, Agm {dœmg ì`º$ Ho$bm.
gXa H$m`©H«$‘mMo gyÌg§MmbZ lr. A{ZéÕ
nierH$a `m§Zr Ho$bo, Va Am^ma àXe©Z emIm
ì`dñWmnH$ lr. lrH¥$îU ‘hmOZ `m§Zr Ho$bo.
àYmZ‘§Ìr gwajm ~r‘m ¶moOZoA§VJ©V CVadboë¶m {då¶mMr a³H$‘ A˶ën doioV {ZH$mbr
{Q´>{ZQ>r åhmigmXþJm© goëg A±S> gpìh©©gog dmiyO Am¡a§Jm~mX ¶m
H§$nZr‘ܶo gpìh©g B§{O{ZAa åhUyZ H$m‘mg Agbobo lr. H$‘bmH$a
am‘bmb nmQ>rb ¶m§Mm 14 gßQ>|~a 2015 amoOr H$m‘mdê$Z Kar naVV
AgVmZm añVm AnKmVmV XþX}dr ‘¥Ë¶y Pmbm hmoVm. H¡$. H$‘bmH$a nmQ>rb
¶m§Zr àYmZ‘§Ìr gwajm ~r‘m ¶moOZoA§VJ©V é. 12 àr{‘¶‘ ^ê$Z {d‘m
CVadbm hmoVm. ݶy B§{S>¶m A°ewaÝg H§$. {b. ¶m§Zr H¡$. nmQ>rb ¶m§À¶m
{då¶mMr é. 2 bmIm§Mr a³H$‘ Ëd[aV ‘§Oya Ho$br. ¶m Xmì¶mnmoQ>r
{‘imbobm é. 2 bmIm§Mm YZmXoe OZVm ghH$mar ~±H$ {b. nwUo Mo
‘w»¶ H$m¶©H$mar A{YH$mar lr. O¶§V Ho$VH$a ¶m§À¶m hñVo H¡$. H$‘bmH$a
nmQ>rb ¶m§À¶m nËZr lr‘Vr AM©Zm nmQ>rb ¶m§Zm àXmZ H$aʶmV Ambm.
lr. Ho$VH$a ¶m§Zr ~±Ho$Mo gd© ImVoXma d OZVoZo àYmZ‘§Ìr gwajm
~r‘m ¶moOZoMm ’$m¶Xm KoD$Z Amnbo OrdZ gwa{jV H$amdo; ¶mgmR>r
OZVm ~±Ho$Mo gdmªZm H$m¶‘ ghH$m¶© amhrb, Ago AmdmhZ Ho$bo.
¶m àg§Jr OZVm ~±Ho$Mo Cn‘hmì¶dñWmnH$ lr. gwZrb H$m‘V,
lr. {H$emoa doqbJ, Am¡a§Jm~mX emIoMo emImì¶dñWmnH$ lr. YZ§O¶
ghò~wÕo, OmbZm amoS> emIoMo emImì¶dñWmnH$ lr. amOrd gmoZwZo
VgoM {Q´>{ZQ>r åhmigmXþJm© goëg A±S> gpìh©gog Mo lr. àH$me Pm|S>Jo,
lr‘Vr gwOmVm ~moago, lr. g§Xrn Hw§$S>Ho$, H¡$. nmQ>rb ¶m§Mo gd© Hw$Qw>§~r¶
d emIoMo gd© godH$dJ© CnpñWV hmoVo.
OZVm ghH$mar ~±H$ {b., nwUo
Amnë¶m ~±Ho$bm à{VîR>oMo XmoZ nwañH$ma àXmZ
à_wI lr. amYmH¥$îU {b_`o Am{U "~±H$mo'
_m{gH$mMo _w»` g§nmXH$ A{dZme qeÌoJw§S>mio AmXr _mÝ`da CnpñWV hmoVo.
Jmoì`mMo ghH$ma_§Ìr _hmXod ZmB©H$ `m§À`m hñVo
"~±H$mo nwañH$ma 2015' ñdrH$maVmZm ~±Ho$Mo
gh_hmì`dñWmnH$ lr. A^` ~mnQ>. gmo~V
~±Ho$À`m {Z`moOZ {d^mJmMo à_wI lr. amYmH¥$îU
{b_`o Am{U ~±H$mo _m{gH$mMo _w»` g§nmXH$
‘m. A{dZme qeÌo- Jw§S>mio
ghH$mar ~±qH$J joÌmV PnmQ>çmZo àJVr
H$aUmè`m nwÊ`mVrb Amnë¶m ~±Ho$bm ZwH$VoM
"~±H$mo' Am{U "~±qH$J \«$ÝQ>r`a' `m XmoZ
Zm_m§{H$V g§ñWm§À`m dVrZo ghH$mar
~±qH$J joÌmV CËH¥$îQ>> H$m_{JargmR>r
{deof
nwañH$ma
XoD$Z
Jm¡adÊ`mV
Ambo. ZwH$Ë`mM Pmboë`m EH$m Img
H$m`©H«$_mV ho nwañH$ma àXmZ H$aÊ`mV Ambo.
"~±H$mo' `m g§ñWoZo nmM hOma H$moQ>tnojm
OmñV R>odr AgUmè`m ghH$mar ~±H$m§À`m
loUr_Ü`o CËH¥$îQ> H$m_{Jar Ho$ë`m~Ôb "~±H$mo
nwañH$ma 2015'Zo Amnë¶m ~±Ho$bm gÝ_m{ZV
Ho$bo. Jmoì`mMo ghH$ma_§Ìr _m. _hmXod ZmB©H$
`m§À`m hñVo ~±Ho$Mo gh_hmì`dñWmnH$
lr. A^` ~mnQ> `m§Zr hm nwañH$ma ñdrH$mabm.
`m doir ~±Ho$À`m {Z`moOZ {d^mJmMo {d^mJ
~±Ho$Mo _w»` H$m`©H$mar A{YH$mar ‘m. O`§V
Ho$VH$a `m§Zr [aPìh© ~±Ho$Mo {Zd¥Îm grOrE_
‘m. aËZmH$a Xodio `m§À`m hñVo ~±qH$J \«$ÝQ>r`aMo
nwañH$ma ñdrH$mabo. `m àg§Jr ~±Ho$Mo g§MmbH$
‘m. _. _. ndma, gh_hmì`dñWmnH$
lr. {Xbrn Hw$bH$Uu Am{U S>oQ>m g|Q>aMo {d^mJà_wI
lr. Zrboe Xoenm§S>o.
"~±qH$J \«$ÝQ>r`a' `m ~±qH$J joÌmVrb
AmKmS>rÀ`m _m{gH$mÀ`m dVrZo Amnë¶m
~±Ho$bm XmoZ nwañH$ma XoD$Z Jm¡a{dbo. Ë`m_Ü`o
"~oñQ> J«rZ B[Z{eEQ>rìh' Am{U "~oñQ> EQ>rE_
B[Z{eEQ>rìh' `m§Mm g_mdoe Amho. [aPìh©
~±Ho$Mo {Zd¥Îm "grOrE_' Am{U ghH$mar
~±qH$J joÌmVrb VÁk aËZmH$a Xodio `m§À`m
hñVo ~±Ho$Mo _w»` H$m`©H$mar A{YH$mar ‘m.
O`§V Ho$VH$a `m§Zr ho nwañH$ma ñdrH$mabo. `m
àg§Jr ~±Ho$Mo g§MmbH$ ‘m. _. _. ndma,
gh_hmì`dñWmnH$ lr. {Xbrn Hw$bH$Uu,
~±Ho$À`m S>oQ>m g|Q>aMo {d^mJà_wI lr. Zrboe
Xoenm§S>o AmXr _mÝ`da CnpñWV hmoVo.
qMMdS> ñQ>oeZ emIoV’}$ ‘mo’$V ZoÌ VnmgUr {e{~amMo Am¶moOZ
Amnë¶m qMMdS> ñQ>oeZ emIoV’}$ ZwH$VoM
‘mo’$V ZoÌVnmgUr {e{~amMo Am¶moOZ
H$aʶmV Ambo hmoVo. ho {e{~a Amnbo
nmQ>©Za ao{bJoAa hoëW BÝewaÝg ¶m§À¶m
gh¶moJmZo Am¶mo{OV H$aʶmV Ambo hmoVo.
‘mo’$V ZoÌVnmgUr "dmgZ Am¶ Ho$Aa'
¶m g§ñWoÀ¶m VÁk S>m°³Q>am§‘m’©$V H$aʶmV
Ambr. {e{~amMo CX²KmQ>Z ~±Ho$Mo _w»`
H$m`©H$mar A{YH$mar ‘m. O`§V Ho$VH$a
¶m§À¶m ew^hñVo Pmbo.
5
 nmZ H«$. 1 dê$Z ...
AÜ`jm§Mo boIUrVyZ
R>odr d H$OmªÀ¶m AmH$S>odmarV ‘moR>r ^a
nS>br Va Vr Am°aJ°{ZH$ J«moW Zìho. ‘moR>r
H$O} d ‘moR>r R>od ImVr ZH$moV Ago Zìho,
na§Vw ˶mda nyU© Adb§{~Ëd, ˶mgmR>r
OmñV ì¶mOXa XoUo ho Q>mimd¶mg hdo.
BVa ~±H$m§À¶m R>odr ñdrH$maʶmg nadmZJr
{‘imë¶mda Amnbo ˶mdarb Adb§{~Ëd
IynM dmT>bo. Aem R>odr {‘iUo dm
OmUo ¶m‘wio emIm§Mr ì¶dgm¶mMr
AmH$S>odmar ‘moR>çm à‘mUmV H$‘r OmñV
hmoD$ bmJbr. ¶m R>odtÀ¶m ì¶mOXam‘wio
ì¶mOmMm IM© ^a‘gmQ> dmTy> bmJbm hr
{ZpíMVM {dMma H$amd¶mg bmdUmar
~m~ Pmbr Amho. ZdrZ emIm§Zr ¶mnmgyZ
àW‘nmgyZM Xÿa amhmdo. N>moQ>çm R>odr d
N>moQ>r H$O} ¶mda ZdrZ emIm§Zr ^a Úmdm.
V§ÌkmZmÀ¶m ghmæ¶mZo {Xë¶m OmUmè¶m
gw{dYm§Mm dmna d àgma ZdrZ emIm§Zr
H$amdm åhUOo ˶m§Mm ‘Zwî¶~imda
hmoUmam IM© ‘¶m©{XV amhrb. ZdrZ emIm
n[agamV hmoUmè¶m H$m¶©H«$‘mV, g‘ma§^mV
Amnë¶m ~±Ho$Mm à^md OmUdob ¶mgmR>r
OmUrdnyd©H$ à¶ËZ H$amdm. ì¶dgm¶mV
dmT> hmoʶmgmR>r nm¶m {dñV¥V d ^³H$‘
Agmdm bmJVmo.
ZdrZ emIoMm nm¶m {dñV¥V d
^³H$‘ H$aʶmMo H$m‘ H$aVmZm ñWm{ZH$
g§K n[admamMr ‘XV {‘iVo. ˶mMm
^anya dmna H$ê$Z KoUo Amdí¶H$
Amho. ˶m~amo~aM ì¶dgm¶ CÚmoJmV
AgUmè¶m {d{dY KQ>H$m§er K{Zð> g§~§Y
àñWm{nV H$ê$Z ˶m§Zm Amnbogo H$aUo
Amdí¶H$ Amho. hëbr à˶oH$ àH$maÀ¶m
ì¶mdgm{¶H$m§À¶m g§KQ>Zm AgVmV. CXm.
S>m°³Q>am§Mr g§KQ>Zm, ì¶mnmè¶m§Mr g§KQ>Zm,
H$maImZXmam§Mr g§KQ>Zm dJ¡ao. ¶m g§KQ>Zm
hm ‘m{hVrMm ‘moR>m òmoV AgVmo. Aem
{R>H$mUr g§~§Y OwidyZ ZdrZ ImVr
{‘iVrb d H$O} XoVmZm ‘m{hVr Z³H$sM
{‘iob.
ZdrZ
emIm§À¶m
emIm
ì¶dñWmnH$m§g‘moa ‘idmQ> Zmhr ˶m‘wio
ñdV…Mm ZdrZ ‘mJ© V¶ma H$aUo ho AdKS>
AmìhmZ ˶m§À¶m g‘moa Amho. ˶m§À¶m
à¶ËZm§Zm hoS> Am°{’$g d g§MmbH$
‘§S>imMm ‘Zmo‘Z nmqR>~m Amho. ˶m§À¶m
à¶ËZm§Zm hm{X©H$ ew^oÀN>m!
6
OZVm ghH$mar ~±H$ {b., nwUo
XoUo g‘mOmMo
^dmZr noR> emIo‘m’©$V Amnë¶m ~±Ho$Zo Ho$bo
Jar~ dñVrVrb bmoH$m§Zm AW©gmhmæ¶
Amnbr ~±H$ Jar~ d Xþ~©b KQ>H$m§gmR>r
{d{dY H$O© ¶moOZm§À¶m Ûmao Zoh‘rM
AW©gmhmæ¶ H$arV Amho. ¶m g§X^m©V ¶moOZm
nwT>rbà‘mUo
H$O© ¶moOZm - 1) OZVm J¥hH$O© 2)
d¡¶p³VH$ H$O© 3) XþéñVrgmR>rMo H$O© 4)
gmoZoVmaU H$O© 5) ~MVJQ>m§gmR>r H$O© B.
Á¶m KQ>H$m§Zm H$moUVrhr Am{W©H$ g§ñWm
Ka ~m§YUogmR>r H$O© XoD$ eH$V Zmhr,
Aem Jar~ d Xþ~©b KQ>H$m§Zm ~±Ho$À¶m
^dmZr noR> emIo‘m’©$V d¡¶p³VH$ h‘rdaVr
AW©gmhmæ¶ CnbãY H$ê$Z {Xbobo Amho.
gXa AW©gmhmæ¶mMm Cn¶moJ H$ê$Z KoD$Z
EH$VmZJa {dlm§VdmS>r nwUo ¶m dñVr‘Yrb
AW©gmhmæ¶ Ho$boë¶m JaOy bmoH$m§Zr Ka
~m§YH$m‘ CËH¥$ï> nÕVrZo Ho$bobo Amho.
dmñV{dH$ A˶ën CËnÞ JQ>mVrb bmoH$m§Zm
é. 50,000/- nojm OmñV AW©gmhmæ¶
CnbãY hmoV Zmhr. ˶m‘wio Aem bmoH$m§Mr
KamMr ñdßZo gmH$ma hmoV ZmhrV. VgoM
A˶§V N>moQ>çm AmH$mamMr Kao Agë¶m‘wio d
˶m§À¶m Hw$Qw>§~mVrb g§»¶m OmñV Agë¶m‘wio
˶m§À¶m KamVrb bmoH$m§Zm Iyn
g‘ñ¶m§Zm Vm|S> Úmdo bmJVo
CXm : {ejU KoUmar ‘wbo d
‘wbtZm Aä¶mgmgmR>r ñdV§Ì
ì¶dñWm hmoD$M eH$V Zmhr.
˶m‘wio {ejUmda n[aUm‘
hmoVmo.
˶m‘wioM Amnë¶m ~±Ho$Zo Aem dñVrVë¶m
bmoH$m§Mr AS>MU bjmV KoD$Z ~±Ho$À¶m
^dmZr noR> emIo‘m’©$V AW©gmhmæ¶ H$aʶmMm
{ZU©¶ KoVbm. ^dmZr noR>, nwUo emIoÀ¶m
¶m CnH«$‘mMo dñVrVrb bmoH$m§Zr Cñ’y$V©nUo
ñdmJV Ho$bo Amho.
H$moUVrhr emgH$s¶ ‘XV Z KoVm ñd~imda
d ñdH$ï>mÀ¶m Omoamda dñVrVrb ‘{hbm§Zr
KamMr ¶moOZm A{Ve¶ gw§Xa nÕVrZo gmH$ma
Ho$br Amho.
ZwH$VrM hr ¶moOZm nyU© Pmë¶mZo ~±Ho$Mo
Aܶj ‘m. lr. AaqdXamd IiXH$a
¶m§Zr à˶j ^oQ> {Xbr. ˶m§Mo gmo~V ~±Ho$Mo
g§MmbH$ ‘m. lr. {dO¶amd ^mdo VgoM ‘w»¶
H$MoarVrb ghmæ¶H$ ‘hmì¶dñWmnH$ ‘m.
lr. AO¶ Hw$bH$Uu, ^dmZr noR> emIoMo
emIm ì¶dñWmnH$ lr. {JarYa I¡aZma VgoM
gm‘m{OH$ H$m¶©H$Vo© ‘m. lr. gw{OV O¡Z,
lr. àXrnOr ZmB©H$, lr. Zaoe H$ano VgoM
gdmªJrU {dH$mg g§ñWoMo lr. {dO¶amd
~±Ho$À¶m 66 ì¶m dYm©nZ{XZr XþîH$miJ«ñV Jmdm§Zm 15 bmIm§Mm {ZYr
 nmZ H«$. 1 dê$Z ...
dmaOo emIm§Mm ew^ma§^ EH$mM doir
‘mݶdam§À¶m hñVo g§~§{YV emIm§‘ܶo
H$aʶmV Ambm. EH$mM {Xder 6 emIm
H$m¶m©pÝdV Pmë¶m‘wio ~±Ho$À¶m EHy$U
emIm§Mr g§»¶m 54 Pmbr Amho.
¶mM doir OmbZm emIm d EQ>rE‘
go|Q>a ¶m§Mo CX²KmQ>Z Pmbo. OmbZm emIoMo
CX²KmQ>Z Ho$ë¶mZ§Va Am¶mo{OV H$m¶©H«$‘mV
~mobVmZm Im. amdgmho~ XmZdo åhUmbo,
""‘amR>dmS>çmMm Am{U OZVm ~±Ho$Mm
Jobr 50 df} F$UmZw~§Y Amho. ~±Ho$Zo
doimodoir ‘amR>dmS>çmbm ‘XVrMm hmV
nwT>o Ho$bm Amho. gm‘m{OH$ ~m§{YbH$sMr
OmU R>odyZ ~±Ho$Zo Ho$boë¶m ¶m Am{W©H$
‘XVrMo AZwH$aU Aݶ ~±H$m§Zrhr H$am¶bm
hdo. ~±Ho$Mr 66 dfm©§Mr dmQ>Mmb hr
A{Ve¶ àoaUmXm¶r AgyZ ~±Ho$À¶m
^{dî¶mVrb dmQ>Mmbrg ‘m¶mV’}$
Am{U ‘amR>dmS>çmVrb OZVoV’}$ hm{X©H$
ew^oÀN>m!''
nmbH$‘§Ìr ~~Zamd bmoUrH$a åhUmbo,
""OZVm ~±H$ AmVm 'N>moQ>çm bmoH$m§Mr ‘moR>r
~±H$' am{hbr ZgyZ Vr '‘moR>çm bmoH$m§Mr
‘moR>r ~±H$' Pmbr Amho. ~±Ho$À¶m àJVrbm
OmbݶmVrb OZVm Z³H$sM hmV^ma
bmdob.'' Am. AOw©Zamd ImoVH$a, A{Zb
^mboamd ¶m§Zr ‘ZmoJV 춳V$ Ho$bo.
‘m. g§MmbH$ lr. OJXre H$X‘ ¶m§Zr
~±Ho$À¶m dmQ>MmbrMr g{dñVa ‘m{hVr
{Xbr. ‘m. ‘w»¶ H$m¶©H$mar A{YH$mar
lr. O¶§V Ho$VH$a ¶m§Zr àmñVm{dH$
Ho$bo. ¶m doir ‘mݶdam§Mo ~±Ho$À¶m dVrZo
¶Wmo{MV gËH$ma H$aʶmV Ambo. ZyVZ
OmbZm emIoMo emIm{YH$mar lr. JOmZZ
Hw$bH$Uu ¶m§Zr Am^ma ‘mZbo.
{edbo AmdO©yZ CnpñWV hmoVo. VgoM
dñVrVrb ‘{hbm ‘moR>çm g§»¶oZo CnpñWV
hmo˶m.
ñWm{ZH$ gm‘m{OH$ g§ñWm, gwamÁ¶
gdmªJrU {dH$mg ¶m§À¶m gd© H$m¶©H$˶mªMo
~hþ‘mob ghH$m¶© ¶m H$m‘r {‘imbo, ˶m‘wioM
^dmZr noR> emIoZo dñVrVrb ‘{hbm§Mo KamMo
ñdßZ gmH$ma H$aUogmR>r Amdí¶H$ Vo gd©
ghH$m¶© Ho$bo. dñVrVrb ‘{hbm§Zr ¶m~m~V
~±Ho$Mo ‘Z:nyd©H$ Am^ma ‘mZbo.
{edmOrZJa, nwUo emIo‘ܶo
d¡ÚH$s¶ {e{~amMo Am¶moOZ
Amnë¶m {edmOrZJa, nwUo emIo‘ܶo 26 {S>g|~a amoOr
ñWybVm {XZm{Z{‘Îm gd© ImVoXmam§gmR>r ‘mo’$V d¡ÚH$s¶
VnmgUr {e{~a Am¶mo{OV H$aʶmV Ambo hmoVo. S>o³H$Z
EÁ¶wHo$eZ gmogm¶Q>rÀ¶m {Z¶m‘H$ ‘§S>imMo Cnmܶj
lr. {dH$mg H$mH$VH$a ¶m§À¶m hñVo XrnàÁdbZ H$ê$Z
H$m¶©H«$‘mMo CX²KmQ>Z Pmbo. ¶m àg§Jr ‘mH}$qQ>J {d^mJmMo
à‘wI lr. {H$emoa doqbJ, aobrJoAa {d‘m H§$nZrMo à{V{ZYr
Zrboe Kmobn d S>m°. àdrU ‘w§XS>m d emIm ì¶dñWmnH$
lr. Jm¡V‘ Jmogmdr CnpñWV hmoVo.
Amnë¶m ^mfUmV lr. H$mH$VH$a åhUmbo H$s, ‘mPo
Jobr 50 df} ~±Ho$er Od{iHo$Mo d ImVoXma åhUyZ g§~§Y
AmhoV. ~±Ho$À¶m CnH«$‘m§Mo H$m¡VwH$ H$ê$Z ˶m§Zr ~±Ho$À¶m
àJVrgmR>r ew^oÀN>m {Xë¶m. lr. Jmogmdr ¶m§Zr àmñVm{dH$
Ho$bo. lr. doqbJ ¶m§Zr ~±Ho$À¶m {d{dY godm§~Ôb ‘m{hVr
{Xbr. lr. {JarYmar ~wMS>o ¶m§Zr Am^ma ‘mZbo.
OZVm ghH$mar ~±H$ {b., nwUo
7
National Payments Corporation of India ( NPCI )
National Payments Corporation of
India was established in December
2008 , under Section 25 of Companies
Act 1956 ( now under Section 8 of
Companies Act 2013 ). NPCI is set up
to be an umbrella institution for retail
payment transactions at affordable rates
to benefit the common man across the
country and to help financial inclusion
initiatives of the Government. It provides
a platform to member banks , delivery
channels and other service providers
to offer variety of products and services
to their customers. The Corporation is
promoted by ten leading bankers like
State Bank of India , Punjab National
Bank , Canara Bank , Bank of Baroda
, Union Bank of India , Bank of India ,
ICICI Bank , HDFC Bank , City Bank and
HSBC Bank. The Authorized Capital of
the Corporation is Rs. 300 Crore and
Paid up Capital Rs. 100 Crore to enable
the Company to create infrastructure of
large dimension and operate on high
volumes to cater to their huge clientele.
It has eminent scientists , professors
and stalwarts in the field of Information
Technology on its Board and Technical
Advisory Committee for evaluation
of performance and continuous up
gradation of the system.
The Corporation is accredited by
PCI-DSS for Sensitive Data Security
in Payments System , ISO 27000 for
Information Security , ISO 22301 for
Business Continuity and ISO 9001 for
Quality Management.
NPCI offers following Services to its
Members
1. National Financial Switch (NFS)
2. Immediate Payment Service (IMPS)
3. National Automated Clearing House
(NACH) 4. Cheque Truncation System
(CTS) 5. Adhar Enabled Payment
System (AEPS) 6. Rupay Cards 7. Adhar
Payments Bridge System (APBS)
National Financial Switch ( NFS )
NFS concept was first introduced
by Institute of Development and
Research in Banking Technology and
later transferred to NCPI in 2009 for
implementation. NFS consists of a
National Switch to facilitate connectivity
between bank’s switches and their
ATMs across the country and interbank
payment gateways for authentication
and routing the payment details of
various e-commerce transactions. Any
CBS enabled member bank can be a
part of NFS. The Steering Committee
of NFS consists of nineteen members
at present who continuously evaluate
the performance parameters of NFS
with opportunities and the challenges.
Customers of member banks can
withdraw money from any of these
banks without incurring any extra
cost. NFS is very useful in financial
inclusion by small financial institutions
functioning in rural and semi urban
areas . NFS connectivity has reached
every corner of this country catering to
over 503 members and connecting to
over 206000 ATMs ( data updated up
to Oct 2014 )
Immediate Payment System (IMPS)
IMPS is an over the mobile ,
24X7 , interbank electronic payment
mechanism that enables customers to
use their mobile instruments , internet
banking and ATMs as channels for
accessing their bank accounts and
processing interbank funds transfer in a
secured manner. IMPS offers following
services
a) Funds Transfer and Remittances
i. Sending Money
ii. Receiving Money
b) Merchant Payments
Grocery Bills , Travel and Ticketing ,
Credit Card Bills , Utility Bills , On line
Shopping , School and College Fee ,
Mobile Top ups , DTC Recharge etc.
The sender has to do
mobile
registration for availing IMPS facility.
The receiver has to collect Mobile
Money Identifier from his bank and
share it with the sender or alternatively
share his account number and IFS code
or Adhar number for receiving money.
National Automated Clearing House
(NACH)
NPCI has implemented
National
Automated Clearing House for banks
, financial institutions , corporates
and the Government a web based
solution to facilitate interbank high
volume electronic transactions which
are repetitive and periodic in nature.
NACH can be used for making bulk
transactions
towards
distribution
of subsidies , dividends , interest
, salaries , pension etc and also for
bulk transactions towards collection
payments pertaining to telephone ,
electricity , water , loans , investments in
mutual funds , insurance premium etc .
NACH is a centralized system launched
with a aim to consolidate multiple ECS
systems running across the country and
provide a framework for harmonization
of standard and practices and remove
local barriers / inhibitions.
NACH
also supports financial
inclusion
measures initiated by the Government
, Government agencies and banks by
providing
support to Adhar based
transactions . NACH facilitates banks
to design their own products and also
addresses specific needs of the banks
and the corporates. NACH provides a
robust , secure and scalable platform
to the participants
with file based
transaction processing capabilities . It
is the best in class based features , cost
efficiency and payment performance
coupled with multilevel data validation
facility accessible to all participants
across the country.
Cheque Truncation System (CTS)
Cheques constitute a significant
segment of payment system in India.
As the volume of cheques presented in
clearing has increased drastically in the
recent past there was need of a system
to speed up the process of collection of
cheques.
Truncation of cheque is the process
of stopping the flow of physical cheque
issued by a drawer at some point by the
presenting bank in route to the paying
bank branch . In this process instead
of presenting the physical cheque ,
the electronic image of the cheque is
transmitted to the paying bank branch
through the clearing house along with
the relevant information like data on
the MICR band , date of presentation
, presenting bank etc. Truncation of
cheque effectively eliminates the
associated costs of movement of
physical cheque , reduces the time
required for their collection and brings
elegance to the entire activity of cheque
processing. The Reserve Bank of India
has mandated NPCI to operationalize
CTS by functioning as Cheque
Processing Center . It processes
8
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Adhar Enabled Payment System
(AEPS)
AEPS is a bank led model that
facilitates financial inclusion by allowing
transactions at Point of Sales (POS)
through the business correspondents
by using Adhar Authentication Number.
AEPS undertakes balance enquiries
, cash withdrawal , cash deposits
and Adhar to Adhar funds transfer.
For availing these facilities
the
customer needs to obtain Individual
Identification Number, Adhar number
, and fingerprints captured during his
enrollment. The object of the AEPS is
to empower a bank customer to use
Adhar to access his Adhar enabled
bank account and perform basic
banking transactions that are interbank
and intra bank in nature , through a
business correspondent. It enables
banks to route Adhar initiated interbank
transactions through a central switching
and clearing agency. AEPS helps
customers to facilitate disbursement of
Government entitlements like NREGA
, Social Security Pension , Handicapped
Old Age Pension etc. It also facilitates
interoperability across the banks in a
safe and secured manner.
Rupay Card
Rupay is the new card payment
scheme launched by NCPI to offer
a domestic , open loop , multilateral
system which allows all Indian Banks
and financial institutions in India to
participate in electronic payments.
The word Rupay is the combination of
two terms rupee and payment. Indian
market has the huge potential for card
penetration and the Rupay card has
the benefit as it addresses the specific
needs of the Indian consumers , the
merchants and the banks. Rupay
card has captured one third of the
card market in India and it likely to
overtake the global leaders like Master
and Visa card. So far more than 175
million accounts of Jan Dhan Yojana
with Rupay card and overdraft facility
of Rs 5000 are already opened and the
number increases everyday. Over 277
banks in India have opted for issuance
of Rupay cards to their customers.
Indian Railway Catering and Tourism
Corporation is presently billed as the
India’s biggest e-Commerce site ,
has launched Rupay prepaid card
that allows railway passengers
to
book tickets , shop and pay service
bills.
NPCI has recently tied up
with Discover Financial Services and
Japanese card network JCB for
International acceptance of Rupay
card. As the transaction processing in
Rupay is done domestically , there is
low cost of clearing and settlement for
each transaction. Right pricing of Rupay
product make the Rupay card more
economically feasible for banks to offer
to their customers. Rupay provides a
platform for on line transactions . Rupay
can be used at all ATMs , and other
merchant establishments for Point of
Sale and on line payments also. Rupay
has enhanced security protections
like anti phishing display , protection
against data logging etc. to make the
online payments more secure and user
friendly. NCPI is also planning to launch
Rupay Debit Card soon.
Adhar Payment Bridge System
(APBS)
It is an unique payment system
implemented by National Payments
Corporation of India , which uses Adhar
number as central key for electronically
channelizing the Government subsidies
, and other benefits in the Adhar
enabled bank accounts of intending
beneficiaries. APBS serves financial
inclusion and provides an opportunity
to the Government
to attempt
financial re-engineering of the subsidy
management programme. ABPS also
helps electronification of a large number
of retail payment transactions which
were earlier in cash or cheque. ABPS
eliminates inordinate delays , multiple
channels and paperwork involved in
the transactions. The funds on account
of subsidies or other benefits are
directly transferred to the Adhar enabled
bank accounts of the beneficiaries. The
beneficiary in this case is not required
to convey bank account details to
Government department or any other
agency. Customers are not required
to maintain multiple bank accounts
for receiving benefits or subsidies for
various social welfare schemes. He just
needs to open one bank account and
seed his Adhar number in it and receive
the benefits.
<<<
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(AàoPb) H$aVm, ˶mbm AZwgê$Z Vw‘Mm d[að>
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Am{U Vwåhmbm nJmadmT> {‘iVo, ~T>Vr {‘iVo.
WmoS>³¶mV à{ejU H$mbmdYrV Am{U nwT>ohr
Vw‘À¶m H$m¡eë¶mbm n¡by nS>ʶmMr à{H«$¶m gwê$M
amhVo. (You should unlearn what you have
learned and relearn what you must learn!)
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Zmhr.
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à{V,
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H$‘©Mmè¶m§Mo ‘Z:nydH© $ A{^Z§XZ!
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nma H$arV ¶emH$S>o dmQ>Mmb H$arV Amho.
gd© Jm¶H$, dmÚd¥X§ mMo, Vwåhm gdmªMo nwZíM
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XoXr߶‘mZ dmQ>Mmbrg hm{X©H$ ew^No >m!
H$imdo... YݶdmX!
Amnbm ñZohm{^bmfr,
({dbmg Amamܶo)
gmám{hH$ {ddoH$- {d^mJ à{V{ZYr, bmVya.
dmMH$m§Zm Z‘« AmdmhZ
JéS> Pon ‘ܶo n«H$m{eV H$aʶmgmR>r emIm, H$‘©Mmar, J«mhH$, ~±H$, ~±qH$J ¶m§Mo {df¶r Cn¶w³V VgoM ‘hÎdmMr ~mV‘r, ‘m{hVr, {deof
CnbãYr, Jm¡ad nwañH$ma N>m¶m{MÌm§gh E ’$moa gmB©OÀ¶m nm§T>è¶m H$mJXmda gwdmÀ¶ AjamV {bhÿZ ~§X nm{H$Q>mV Imbrb nζmda nmR>dmdm.
nÎmm : lr. O¶§V bmoH$ao, ‘Zwî¶~i {dH$mg {d^mJ, ‘w»¶ H$m¶m©b¶, nwUo., ‘mo. H«$. : 9970800348
JéS> PongmR>rMr ‘m{hVr, boI, ’$moQ>mo B. B©‘obÛmamhr nmR>{dVm ¶oB©b. * B©‘ob Am¶S>r : hrd@janatabankpune.com
JéS> Pon
24/12/2015
JéS> Pon hr J¥hn{ÌH$m Ho$di ImgJr {dVaUmgmR>r àH$m{eV Ho$br Amho. ¶mVrb ‘Vo ì¶{³VJV AgyZ ~±H$ ˶mMoer gh‘V AgobM Ago Zmhr.
J¥hn{ÌHo$gmR>r {bImU, gyMZm B. gmR>r ‘Zwî¶~i {dH$mg {d^mJ, ‘w»¶ H$Moar ¶oWo g§nH©$ H$amdm.
XÿaÜdZr : 020-24450540, ‘mo. Z§. 9970800348. g§nmXH$s¶ g‘Ýd¶ : ^mbM§Ð Hw$bH$Uu, OZg§nH©$ A{YH$mar (‘mo~m. : 9822882509)