fld; ml;il itj;jpUg;gthpd; cld;gbf;iff;fhd epajp
epge;jidfs;
Kf;fpak;: fld; ml;iliag; ghtpf;FKd;dh; jaTnra;J ,e;j epajp
epge;jidfis thrpj;J Ghpe;Jnfhs;sTk;.
mwpKfk;:
cq;fsJ ];lhd;lh;l; rhHl;ll; fld; ml;ilapd; ghtid njhlh;gpyhd gpd;tUk;
epajp epge;jidfis ePq;fs; thrpj;J Ghpe;Jnfhs;tJ Kf;fpakhdjhFk;. ,jpy;
vjidAk; cq;fshy; Ghpe;Jnfhs;s Kbahjgl;rj;jpy;> jaTnra;J vk;Kld;
njhlHGnfhs;sj;
jaq;f Ntz;lhk;. ehk;; cq;fSf;F cjt kfpo;r;rpAld;
fhj;jpUf;fpd;Nwhk;. fld; ml;ilf;fhd tpz;zg;gg; gbtj;jpy; ifnahg;gkpLtjd;
%yk; mj;Jld;;/my;yJ> cq;fsJ fld; ml;iliar; nraw;gLj;Jtjd; %yk;
mj;Jld;;/my;yJ
ghtpg;gjd;
%yk;
,e;j
epajp;
epge;jidfshy;
gpzpf;fg;gLtjw;F ePq;fs; cld;gLfpd;wPh;fs;.
cq;fsJ chpikfs; kw;Wk; flg;ghLfs; gw;wpa mwpthdJ> cq;fsJ
];lhd;lh;l; rhHl;ll; fld; ml;il fzf;fpy;/fzf;Ffspy; mjpfhukw;w nfhLf;fy;
thq;fy;fs; ,lk;ngWk;gl;rj;jpy; ePq;fs; ghJfhf;fg;gLtij cWjp nra;fpd;wJ.
mj;Jld;> fld; ml;il itj;jpUg;gth; vd;w tifapy; cq;fsJ nghWg;Gf;fis
epiwNtw;Wtjw;F cjTtJld; ehk; toq;Fk; Nritfspd; %yk; mjpfgl;r
ed;ikfis miltJ vt;thW vd;gjid tpsq;fpf;nfhs;sTk; ,e;j mwpT
cq;fSf;F cjTk;.
fld; ml;il tpz;zg;gg; gbtk;> Ms; xUth; ,yq;if rl;lj;jpd; fPo;
cz;ikAld; g+Hj;jp nra;fpd;whh; vd;;w epge;jidapd;kPNj ];lhd;lh;l; rhHl;ll;
fld; ml;il toq;fg;gLfpd;wJ.
ml;ilia toq;Ftjw;fhd my;yJ
tpz;zg;gfhuh;
Kjw;Njhw;wstpy;
jifikf;fhd
%yg;gpukhzq;fis
jpUg;jpgLj;Jfpd;whh; vd;gJ vt;thwpUg;gpDk; fhuzk; vJTk; fhl;lhky; ml;il
xd;iw toq;Ftjw;fhd tpz;zg;gj;ij epuhfhpg;gjw;fhd chpikia tq;fp
jd;dfj;Nj nfhz;Ls;sJ. mj;Jld; toq;fg;gl;l jfty;fs; tq;fpahy;
jpUg;jpfukhd Kiwapy; cWjp nra;ag;gLtjw;F mikthdJkhFk;. .
cq;fSf;F kpfTk; Kf;fpaj;Jtkhd jfty;fs; mlq;fpa ,e;jf; ife;E}iy
vg;NghJk;; jahuhf itj;jpUf;f Ntz;Lnkd ehk; cWjpahf rpghh;R nra;fpNwhk;.
ed;elj;ijf; Nfhitiag; ghh;itapLtjw;F gpd;tUk; vkJ ];Nld;lh;l; rhh;l;ll;
,izaj;jsj;ijg; ghh;itaplTk; www.standardchartered.com/lk
cld;gbf;iff;Fk; Vida epajp; epge;jidfSf;Fk; ,ilapy; VNjDk;
xt;thik
fhzg;gLk;
msTf;F
fld;
ml;il
itj;jpUg;gthpd;
cld;gbf;iff;fhd epajp; epge;jidfs; NkNyhq;fp epw;Fk;.
1.
tiutpyf;fzq;fs;
1.1 ~ATM| vd;gJ tq;fpf;Ff; nrhe;jkhdjhapDk;rhp my;yJ tq;fpahy;
fhyj;Jf;Ff;fhyk; epakpf;fg;gl;l NtW VNjDk; tq;fpf;F (tq;fpfSf;F)
my;yJ epjp epWtdj;jpw;F (epWtdq;fSf;Fr;) nrhe;jkhdjhapDk;rhp
ml;ilfis Vw;Wf;nfhs;Sk; jd;dpaf;f fhRg; nghwp (Automated Teller
Machine) vd;W nghUs;gLk;.
1.2 ~tq;fp| vd;gJ ];lhd;lh;l; rhHl;ll; tq;fp mjd; gpd;DWgth; my;yJ
rhl;Ljy; vdg; nghUs;gLk;.
87
1.3 ~ml;il| vd;gJ> ml;il itj;jpUg;gtUf;F tq;fpahy; toq;fg;gLk; xU
tPrh fps]pf; my;yJ kh];lh; fhh;l; fps]pf; my;yJ tPrh Nfhy;l; my;yJ
kh];lh; fhh;l; Nfhy;l;> tPrh gpsl;bdk;> ];Nld;lh;l; rhl;lh;l; gpis];ikyfs;
Nfh-gpuhz;ll; fpwbl; fhh;l; vdTk; gpiwkhp> Fiw epug;G/Nkyjpf kw;Wk;
khw;wPl;L ml;il(fs;) cl;gl NtW VNjDk; fpwbl; fhh;l; vdg; nghUs;gLk;.
1.4 ~ml;ilf; fzf;F| vd;gJ> Kjdpiy ml;il itj;jpUg;gtuhYk; Nkyjpf
ml;il
itj;jpUg;gtuhYk;/itj;jpUg;gth;fshYk;
(vtUk;
,Ug;gpd;)
ngwg;gLk; my;yJ cwg;gLk; vy;yh tuTfisAk; gw;Wf;fisAk;
gjpTnra;Ak; Nehf;fj;Jf;fhf ,e;j epajp epge;jidfspd;fPo; tq;fpahy;
jpwf;fg;gLk; xU fzf;F vdg; nghUs;gLk;.
1.5 ~ml;il itj;jpUg;gth;;| vd;gJ> fld; ml;il fzf;F ve;j Mspd;; ngahpy;
,Uf;fpwNjh mj;Jld; ve;j MSf;F tq;fp fpwbl; ml;ilnahd;iw
toq;fpAs;sNjh mj;Jld; ve;j Ms; ml;ilf; fzf;fpd;kPJ vy;yh
nfhLf;fy; thq;fyfSf;Fk; nghWg;GfSf;Fk; nghWg;ghapUf;fpd;whNuh me;j
Ms; vdg;nghUs;gLk;. ,J Kjdpiy kw;Wk; Fiwepug;G ml;il
itj;jp;Ug;gth;fisAk; cs;slf;Fk;.
1.6 ~fld; ml;il nfhLf;fy; thq;fy| vd;gJ> ml;il itj;jpUg;gtuhy;
gad;gLj;jg;gbDk;rhp ,y;yhtpbDk;rhp nghUl;fis mj;Jld;/my;yJ
Nritfis> eyd;fis my;yJ xJf;fq;fis nfhs;tdT nra;jy; (thd;;>
fg;gy;> uapy; my;yJ NtW VNjDk; Nghf;Ftuj;J my;yJ N`hl;ly;
my;yJ tpLjpfs;> jq;Fkplq;fs; my;yJ NtW Nghf;Ftuj;Jf;fs;> Fj;jif>
thlif vd;gd cl;gl Mdhy; mtw;wpw;F kl;Lg;gLj;jg;glhky;); ml;il
itj;jpUg;gtuhy; nra;ag;gLk; xJf;fq;fSf;F mj;Jld;/my;yJ fld;
ml;ilia my;yJ ml;il ,yf;fq;fis my;yJ PIN ,yf;fj;ijg;
ghtpj;J my;yJ tpw;gidr; rpl;ilfs; my;yJ gz Kw;gzq;fs>; NtW
cWjpr;rPl;Lfs; my;yJ gbtk; mQ;ry;> njhiyNgrp my;yJ njhiyefy;>
Njitf; fl;lisfs; cl;gl Mdhy; mtw;wpw;F kl;Lg;gLj;jg;glhky; NtW
tifapy
ml;il
itj;jpUg;gtuhy;
ifnahg;gkplg;gl;bUg;gij
nghUl;gLj;jhky; ml;il itj;jpUg;gtuhy mjpfhukspf;fg;gl;l my;yJ
nra;ag;gl;l fhR Kw;gzq;fisg; ngWjy; vdg; nghUs;gLk;.
1.7 ~;Kw;gzk; ngWjy;| vd;gJ fld; ml;il itj;jpUg;gth; fld; ml;ilia
my;yJ ml;il ,yf;fj;ij my;yJ PIN ,yf;fj;ij my;yJ mtuhy;
mjpfhuk; mspf;fg;gl;l Kiwiag; ghtpj;J> tq;fpaplk; my;yJ NtW
VNjDk; tq;fpaplk; my;yJ epjp epWtdq;fsplk; fld; ml;ilf; fzf;fpy;
ngw;Wf;nfhs;sg;gLk; VNjDk; njhif vdg; nghUs;gLk;.
1.8 ~fl;lzq;fs;;| vd;gJ ml;ilia my;yJ ml;il ,yf;fj;ij my;yJ PIN
,yf;fj;ijg; ghtpg;gjd;%yk; my;yJ ,e;j epajp
epge;jidfspd;fPo;
vOtJk; ml;il itj;jpUg;ghsuhy; nrYj;jg;glNtz;baJkhd njhif
vdg; nghUs;gLtJld; ml;ilf; fzf;fpw;F gw;W itf;fg;gLtdTk;
eilKiw kPjpapd; xU ghfkhf miktdTkhd vy;yh ml;ilf; nfhLf;fy;
thq;fy;fisAk; fl;lzq;fs;> epjpf; fl;lzq;fs;> tl;b> thpfs;> jPHitfs;>
Nkyjpfr; nryTfs;> ,og;gPLfs;> rl;lr; nryTfs; kw;Wk; nrytPLfs;
vd;gdtw;iwAk; Mdhy; mtw;wpw;F kl;Lg;gLj;jg;glhky; vd;gtw;iwAk;
cs;slf;Fk;.
1.9 ~$l;bizg;G ml;il| vd;gJ jFjptha;e;j
$l;bizf;fg;gl;l FOkk;
xd;wpd;
mjpfhukspf;fg;gl;l
gzpahl;njhFjpf;F>
epiwNtw;W
mYtyh;fSf;F> gzpg;ghsh;fSf;F my;yJ mj;jifa NtW vtNuDk;
88
Ml;fSf;F toq;fg;gLk; fld; ml;il(fs;) vdg;nghUs;gLk;.
1.10 ~fld; tiuaiw| vd;gJ Kjdpiy kw;Wk; Nkyjpf fld; ml;il(fs;)
(vitAkpUg;gpd;;)
fzf;FfSf;fhf
tq;fpahy;
mDkjpf;fg;gLtJk;
fhyj;jpw;Ff;
fhyk;
Kjdpiy
fzf;F
itj;jpUg;gth;fSf;F
mwptpf;fg;gLtJkhd Fiwe;jgl;r fld; kPjp vdg; nghUs;gLk;.
1.11 ~eilKiw kPjp| vd;gJ fzf;Ff; $w;W toq;fg;gLk; jpfjpad;W tq;fpapd;
gjpNtLfSf;fpzq;f tq;fpf;Fr; nrYj;jg;glNtz;bajhf fld; ml;ilf;
fzf;fpy; epYitahfTs;s (fld; ml;il fzf;fpy; gw;W itf;fg;gLk;
midj;J fl;lzq;fSk; cl;gl) nkhj;jf; fld; kPjp vdg;nghUs;gLk;.
1.12 ~itg;gPL|
vd;gJ
fld;
ml;il
itj;jpUg;gthpd;
flg;ghl;il
epiwNtw;Wtjw;fhf
mj;Jld;/my;yJ
fld;
ml;ilfis
toq;Fk;
Nehf;fj;jpw;fhf xU gpizg; nghWg;ghf itf;fg;glNtz;Lnkd tq;fpahy;
Fwpj;Jiuf;fg;gl;lJk; tq;fpapy; fhrhf ,Ug;gpy; itf;fg;gl;lJkhd njhif
vdg; nghUs;gLk;.
1.13 ~,yj;jpudpay; tq;fp Kidak;| (Electronic Banking Terminal) vd;gJ fld;
ml;il kw;Wk; my;yJ PIN ,yf;fj;ijg; ghtpf;Fk; mq;fPfhuk; mspf;fg;gl;l
Kidak; my;yJ cgfuzk; vdg;nghUs;gLk;. ,jpy; fld; ml;ilf;
nfhLf;fy; thq;fy;fis Nkw;nfhs;Sk; ATM tpw;gid Kida ikaq;fs;
my;yJ ];lhd;lh;l; rhHl;ll; tq;fpapd; ,yj;jpudpay; tq;fp KiwikAld;
,izg;gpid Vw;gLj;Jtjw;fhf fhyj;jpw;Ff; fhyk; mjpfhukspf;fg;gl;l
NtW VjhtJ Kidaj;ijAk; my;yJ cgfuzj;ijAk; cs;slf;Fk;.
1.14 ~cj;juthjk;| vd;gJ> vJTkpUg;gpd>; fld; ml;il itj;jpUg;gthpd;
flg;ghl;il epiwNtw;Wtjw;fhf mj;Jld;/my;yJ fld; ml;ilfis
toq;Fk; Nehf;fj;jpw;fhf xU gpizg;nghWg;ghf itf;fg;glNtz;Lnkd
tq;fpahy; Fwpj;Jiuf;fg;gl;l njhiff;fhf tq;fpahy; Vw;Wf;nfhs;sg;glf;$ba
tbtj;jpYk;
nghUsstpYk;
VjhtJ
xU
tq;fpaplkpUe;J>
$l;bizf;fg;gl;l FOkj;jplkpUe;J>
epWtdj;jplkpUe;J>
jdpahsplkpUe;J my;yJ tq;fpahy; Vw;Wf;nfhs;sg;glf;$ba VjhtJ epjp
epWtdjjplkpUe;J toq;fg;gLk; xU cj;juthjk; vdg; nghUs;gLk;.
1.15 ~,k;;gphpd;lh;| vd;gJ> fld; ml;ilf; nfhLf;fy; thq;fy;fis ifKiwahy;
nrad;Kiwg;gLj;Jk; ,k;gphpd;lh; fUtp vdg; nghUs;gLk;.
1.16 ~ClhL Fuy; Jyq;fy;| (Interactive Voice Responsive) vd;gJ> fld;
ml;il itj;jpUg;gth; ml;il %yk; Fwpj;j rpy nfhLf;fy; thq;fy;fisr;
nra;tjw;fhf ,yj;jpudpay; mZf;fj;ij toq;Fk; xU cgfuzk; vdg;
nghUs;gLtJld;
fld; ml;ilf; fzf;F kw;Wk; Nritapd; gad;ghL
njhlh;ghf
tprhuizfisAk;
cs;slf;Fk;
Mdhy;
mtw;wpw;F
kl;Lg;gLj;jg;glkhl;lhJ.
1.17 ~tzpfh;| vd;gJ> fld; ml;il nraw;jpl;lj;jpd; (tPrh my;yJ kh];lh; fhh;l;)
mq;fj;Jt tq;fpahy; mq;fPfhpf;fg;gl;lJk; nfhLg;gdT Kiwahf my;yJ
fld; ml;il itj;jpUg;gthpd; Kw;gjpTf;fhf fld; ml;ilia my;yJ
ml;il ,yf;fq;fis Vw;Wf;nfhs;tjw;F Vw;ghL nra;ag;gl;Ls;sJkhd
nghUl;fs;
mj;Jld;/my;yJ
Nritfis
toq;Fk;
VjhtJ
$l;bizf;fg;gl;l mikg;G> epWtdk;> Ms; my;yJ NtW jhgdk; vdg;
nghUs;gLk;.
89
1.18 ~Fiwe;jgl;r epYitj; njhif| vd;gJ nfhLg;gdT tUkjpahFk;
jpfjpad;W
nrYj;jg;gbd;
gpe;jpa
nfhLg;gdTf;
fl;lzq;fis
jtph;j;Jf;nfhs;tjw;nfd Fiwe;j gl;rj; njhif kw;Wk; tuk;G fle;j
njhif (VjhtJ ,Ug;gpd;) vd;gtw;Wf;F mika eilKiw epYitapd;
tPjk; (%) vdg;nghUs;gLk;. VjhtJ nrYj;jg;glhj epYitj; njhif
tUkjpahd Fiwe;jgl;rj; njhifapy; cs;slf;fg;gLk;.
1.19 ~khjk;| vd;gJ gQ;rhq;f khjk; vdg; nghUs;gLk;.
1.20 ~nrYj;jg;glhj epYitj; njhif| vd;gJ (vJTkpUg;gpd;)> cq;fsJ Ke;jpa
fzf;Ff; $w;Wf;fspy; epYitapypUf;Fk; njhif vdg; nghUs;gLk;.
fzf;Ff; $w;wpy; fhl;lg;gLk; nrYj;jg;glhj epYitj; njhif vdg;
nghUs;gLk;. Fiwe;jgl;r epYitj; njhifapy; cs;slf;fg;gl;bUf;Fk;
Mdhy; cldbahf nrYj;jg;glw;ghyjhFk;.
1.21 ~tuk;G fle;j njhif| vd;gJ> mDkjpf;fg;gl;l fld; tiuaiwia tpQ;rpa
eilKiw epYit vdg; nghUs;gLk;.
1.22 ~tuk;G fle;j mwtPL;| vd;gJ> fld; ml;il itj;jpUg;gth; mDkjpf;fg;gl;l
fld; tiuaiwia tpQ;Rthuhapd; mtuJ fzf;Ff; $w;wpy; xUKiw
tpjpf;fg;gLk; mwtPL vdg; nghUs;gLk;.
1.23 ~nfhLg;gdT tUkjpahFk; jpfjp| vd;gJ> eilKiw epYitf; nfhLg;gdT
my;yJ mjd; xU gFjp my;yJ tUkjpahd Fiwe;jgl;r epYitj;
njhif ve;jj; jpfjpastpy; nrYj;jg;glNtz;Lnkd fzf;Ff; $w;wpy;
Fwpj;Jiuf;fg;gLfpd;wNjh me;jj; jpfjp vdg;nghUs;gLk;. mj;jifa
nfhLg;gdT jpfjp tq;fp tpLKiw ehspy; my;yJ thu ,Wjpapy; thpd;
cq;fsJ tUkjpahd jpfjpahdJ
tUkjpahFk; jpfjpf;F Ke;jpa
KjyhtJ Ntiy ehshFk;.
1.24 ~PIN|
vd;gJ>
fld;
ml;il
itj;jpUg;gth;(fs;)
fld;
ml;ilia
(ml;ilfis) ATM nghwpfspy;; ghtpg;gjw;fhf mth;fSf;F toq;fg;gLk;
Ms; milahs ,yf;fk; MFk;.
1.25 ~POS| vd;gJ> ve;j tpw;gid Kidaq;fs; Clhf fld; ml;il nfhLf;fy;
thq;fy;fis ,yj;jpud; Kiwapy; Nkw;nfhs;sg;gLfpd;wNjh me;j tpw;gid
Kidaq;fs; njhlh;gpyhdjhFk;.
1.26 ~nfhLf;fy; thq;fy; Kidak;| vd;gJ> mjpfhuk; ngWtjw;F kw;Wk;
nfhLf;fy; thq;fy;fisr; nray;Kiwg;gLj;Jtjw;Fg; gad;gLj;jg;gLk; xU
Kidak; (ATM/POS) my;yJ mjidnahj;j fUtp (ifk;Kiw
,k;gphpz;lh;) vdg; nghUs;gLk;.
1.27 ~Kjdpiy fld; ml;il itj;jpUg;gth;;| vd;gJ> Fiwepug;G/Nkyjpff; fzf;F
itj;jpUg;gtiuj; jtpu ve;j MSf;F Kjdpiy ml;il toq;fg;gl;L mth;
ngahpy; tq;fp Kjypy; fld; ml;ilf; fzf;if jpwe;J Ngzp tUfpd;wNjh
me;j Ms; xUth; vdg; nghUs;gLk;.
1.28 ~&gh| (Rs) vd;gJ> ,yq;ifapy; Gof;fj;jpYs;s ehzak; vdg; nghUs;gLk;.
cjhuzk; ,yq;if &gha;. (LKR)
1.29 ~gpizg;nghWg;G| vd;gJ> fld; ml;il itj;jpUg;gthpd; flg;ghl;il
epiwNtw;Wtjw;fhf mj;Jld;/my;yJ fld ml;ilfis toq;Fk;
90
Nehf;fj;jpw;fhf itf;fg;gl;bUf;Fk; epiyahd mj;Jld;/my;yJ miog;G
itg;gPL vdg; nghUs;gLk;.
1.30 ~Nrit| vd;gJ> fhyj;jpw;Ff; fhyk; jpUj;jg;gl;lthwhd> kPsha;T
nra;ag;gl;lthwhd my;yJ Fiuepug;G nra;ag;gl;lthwhd ,e;j epajp;
epge;jidfisg;
gpd;gw;wp
ATM/IVR/njhiyNgrp
tq;fpj;njhopy;/i-tq;fpj;njhopy;/SMS tq;fpj;nhopy;
mj;Jld;/my;yJ NtW
topKiwfs; Clhf ml;il itj;jpUg;gthpd; fzf;fpw;fhd mwtPL vd;w
tifapy; ml;il itj;jpUg;gthpd; rhh;gpy; gad;ghL xd;Wf;F ml;il
itj;jpUg;gth; nfhLg;gdTfisr; nra;tjw;F tq;fpahy; mspf;fg;gl;Ls;s
njhiyNgrp %yk;> nfhLg;gdT nra;Ak; fl;lzg;gl;bay; nfhLg;gdT
Nrit vdg; nghUs;gLk;.
1.31 ~fzf;Ff; $w;W| vd;gJ> fld; ml;il itj;jpUg;gth; tq;fpf;Fr; nrYj;j
Ntz;ba eilKiw epYit njhlh;ghd tptuq;fisf; fhl;b mtUf;F
tq;fpahy; mDg;gg;gLk; tq;fpapd; khjhe;j my;yJ gUt fhyf; $w;W vdg;
nghUs;gLk;.
1.32 ~fzf;Ff; $w;Wj; jpfjp| vd;gJ fzf;Ff; $w;W Fwpg;gpLk; fl;lzg;gl;bay;
fhyg;gFjpapd; filrpj;jpdk; vdg; nghUs;gLk; vd;gJld;> me;jj; jpdk;
tiuapy; ,lk;ngw;w tq;fpahy; nray;Kiwg;gLj;jg;gl;l midj;Jg;
gjpTfisAk; cs;slf;Fk;.
1.33 ~Fiwepug;G/Nkyjpfml;il| vd;gJ> tq;fpAld; ,e;j cld;gbf;ifiar;
nra;Jnfhs;Sk; Kjdpiy fld; ml;il itj;jpUg;gtuhd jdpahspdhy;
ngah;Fwpj;J epakpf;fg;gl;ltuhd %d;whk; jpwj;jth; xUtUf;F Kjdpiy
fld; ml;il itj;jpUg;gthpd; Ntz;LNfhspd;NghpYk; toq;fg;gLk; xU
ml;il vdg; nghUs;gLk;. ,e;j ml;ilf; nfhLf;fy; thq;fy; xt;nthd;Wk;
ml;ilf; fzf;fpy; gjpTnra;ag;glTs;sJ.
1.34 ~Fiwepug;G/Nkyjpf ml;il itj;jpUg;gth;;| vd;gJ> Kjdpiy ml;il
itj;jpUg;gthpd; Ntz;LNfhspd; Nghpy; mtuhy; epakpf;fg;gl;l ve;j
MSf;F Fiwepug;G/Nkyjpf ml;il toq;fg;gl;Ls;sNjh me;j Ms;
vdg;nghUs;gLk;.
1.35 ~Kidak;;| vd;gJ> ve;j Kidaj;jpd; Clhf fld; ml;il nfhLf;fy;
thq;fy;fis ,yj;jpudpay; Kiwapy; Nkw;nfhs;syhNkh me;j VNjDk;
jd;dpaf;f fhRg; nghwp; (ATM) my;yJ tpw;gid ikaq;fs; (POS) vdg;
nghUs;gLk;.
1.36 ~TIN| vd;gJ> ml;il itj;jpUg;gth; njhiyNgrp %yk; fld;; nfhLf;fy;
thq;fiy
Nkw;nfhs;tjid
,ayr;
nra;tjw;nfd
mtUf;F
toq;fg;gl;lJk; NkNy tiutpyf;fzk; $wg;gl;l PIN ,yf;fj;jpypUe;J
NtWgl;lJkhd njhiyNgrp milahs ,yf;fk; vdg; nghUs;gLk;.
1.37 ~nfhLf;fy;
Fwpf;Fk;.
thq;fy;|
vd;gJ>
fld;
ml;ilf;
nfhLf;fy;
thq;fiyf;
1.38 ~nfhLf;fy; thq;fy; jpfjp| vd;gJ> ml;il itj;jpUg;gtUf;Fk; tzpfh;
xUtUf;Fk; ,ilapy; nfhLf;fy; thq;fy; ,lk;ngWk; jpfjp vdg;
nghUs;gLk;.
91
1.39 ~nfhLf;fy; thq;fy; nray;Kiwg;Lj;Jk; (Gwf;Fwpg;G) jpfjp| vd;gJ>
nfhLf;fy;
thq;fy;
ml;il
itj;jpUg;gthpd;
ml;il
fzf;fpy;
nray;Kiwg;gLj;Jk; jpfjp vdg; nghUs;gLk;.
1.40 ~gad;ghL| vd;gJ jz;zPh;> kpd;rhuk; kw;Wk; njhlh;ghly; cl;gl Mdhy;
mtw;wpw;F
kl;Lg;gLj;jg;glhky;
gad;ghLfisAk;
nghUl;fisAk;
NritfisAk; toq;Fk; VNjdk; fk;gdp> epWtdk;> mjpfhurig my;yJ
mikg;G vdg; nghUs;gLk;.
1.41 ~24 kzpNeu jd;dpaf;f njhiyNgrp tq;fp Kiwik| vd;gJ TIN
,yf;fj;ijg; gad;gLj;jp; my;yJ NtW tifapy;> Nritf;fhf ml;il
itj;jpUg;gthpd; Ntz;LNfhspd;Nghpy; Fuy; Jyq;fy;fis toq;Fk;
VNjDk; fUtp vdg; nghUs;gLk;.
1.42 ~nkhj;j epYit| vd;gJ> fzf;Ff; $w;W toq;fg;gLk; jpfjpad;W tq;fpapd;
gjpNtLfSf;fpzq;f (fld; ml;ilf; fzf;fpy; gw;W itf;fg;gLk;
midj;Jf; fl;lzq;fSk; cl;gl) fld; ml;ilf; fzf;fpd;kPJ tq;fpf;F
nrYj;jg;glNtz;ba epWitapYs;s nkhj;j gw;W kPjpahFk;.
re;jh;g;gk; NtWtifahf Njitg;gLj;jpdhyd;wp>
(m)xU ghy; epiyiaf; Fwpf;Fk; nrhw;fs; kw;nwy;yh ghy;epiyfisak;
cs;slfk;
(M)xUikikiaf; Fwpg;gplg;gLk; nrhw;fs; gd;ikahfTk;> gd;ikiaf;
Fwpg;gplg;gLk; nrhw;fs; xUikiaAk; Fwpffk;.
(,)Misf; Fwpg;gpLk; nrhw;fs; jdpahs; xUtiu> Vf chpikahsh;
xUtiu>
xU
gq;fhz;ikf;
epWtdj;ij>
fk;gdpaia
$l;Lj;jhgdj;ij my;yJ NtW vj;jd;ikatUkhd ,aw;if kw;Wk;
rl;l MisAk; cs;slf;Fk;.
2.
ml;il
2.1 ml;il> midj;J Neuq;fspYk; tq;fpapd; nrhj;jhf cs;sJld; mj;jia
nrhj;jhfTk; ,Uf;Fk;. tq;fpahy; my;yJ Kiwhaf mjpfhukspf;fg;gl;l
mjd; Kftuhy;> Ntz;LNfhs; tpLf;fg;gLtjd;kPJ
mjid tq;fpf;F
cldbahf xg;gilf;f Ntz;Lk;.
2.2 ml;il itj;jpUg;gth; fld; ml;ilia Neubahfg; ngw;Wf;nfhs;syhk;
my;yJ mtUf;F mQ;ry; %yk; my;yJ xg;gilj; J}Jth;
(Courier)
%yk; my;yJ ml;il itj;jpUg;gtuhy; tq;fpf;F mwptpf;fg;gl;l
tpyhrj;Jf;F mDg;gg;glyhk;; my;yJ fzf;F itj;jpUg;gthpd; nrhe;jg;
nghWg;gpy; mtuhy; ngah; Fwpj;J epakpf;fg;gLk; %d;whk; jpwj;jth;
xUtuhy; ngw;wf;nfhs;sg;glyhk;/mtUf;F (mj;Jld;/my;yJ tq;fpapd;
gjpNtLfspy; ,y;yhj Kfthp xd;Wf;F) ifaspf;fg;glyhk;.
2.3 ml;iliag; ngw;Wf;nfhz;lJk;> ml;il itj;jpUg;gth; me;j ml;ilapy;
cldbahff; ifnahg;gkpLjy;Ntz;Lk;. mj;Jld;> ml;il itj;jpUg;gtuhy;
ml;il
fpilf;fg;ngw;wik
tq;fpf;F
mwptpf;fg;gltpy;iy
vd;gJ
vt;thwpUg;gpDk; ve;Nehf;fj;jpw;F Kjdpiy ml;il itj;jpUg;gth; mtuJ
Kftuhf vy;yh Fiwepug;G ml;il itj;jpUg;gth;fisAk; ,j;jhy;
92
gpzpf;fpd;;whNuh
me;Nehf;fj;jpw;F
,e;j
epajp
epge;jidfshy;
gpzpf;fg;gLtjw;F ml;il itj;jpUg;gthpd; cWjpg;ghl;bw;F gpzpf;fpd;wJk;
jPh;f;fkhdJkhd rhd;whf mj;jifa ifnahg;gk; mj;Jld;/my;yJ
ml;ilapd; nraw;gLj;Jif mj;Jld;/my;yJ ml;ilapd; gad;ghL
mikAk;. ve;jj; jpwj;jthpd; ngah; ml;ilapd; Kfg;gpy; Gilg;GUtpy;
nghwpf;fg;gl;L mtuhy; kWGwj;jpy; Kiwahf ifnaghg;gkplg;gl;Ls;sNjh
mj;jpwj;jth; kl;LNk ml;iliag; gad;gLj;jyhk;.
2.4 ml;il itj;jpUg;gth; ,e;j epajp epge;jidfshy; gpzpf;fg;gl tpUk;ghj
gl;rj;jpy; ml;il itj;jpUg;gth; ml;ilia ,uz;L Jz;Lshf ntl;b
mt;tpuz;L Jz;LfisAk; tq;fpf;F jpUg;gp mDg;Gjy; Ntz;Lk;. mj;Jld;>
,dpNky; ,jd; 16Mk; thrfk; (KbTWj;Jif) eilKiwapypUf;Fk;
2.5 ,e;j ml;il vtUf;Fk; ifkhw;wk; nra;ag;gLjyhfhJ. mj;Jld;> mjidg;
gpuj;jpNafkhf ml;il itj;jpUg;gth; kl;LNk ghtpf;f KbAk;. ml;il
itj;jpUg;gth;
vj;jd;ikajhd
ve;jr;
#o;epiyapYk;
ml;ilia
mj;Jld;/my;yJ PIN ,yf;fj;ij NtW ve;jj; jdpahSk;; ghtpg;gjw;F
mDkjpj;jyhfhJ. ml;il itj;jpUg;gth; vj;jd;ikajhd VNjDk;
Nehf;fj;jpw;F gpizg;nghWg;ghf ml;iliag; gpizak; itj;jyhfhJ.
2.6 ml;il vg;NghJk; ghJfhg;ghd ,lj;jpy; ,Ug;gij
itj;jpUg;gth; cWjpnra;J nfhs;s Ntz;Lk;.
3.
fld;
ml;il
ml;ilapd; ghtid
3.1 ,e;j ml;ilia ,yq;iff;F ntspNa gad;gLj;JjyhdJ> ,yq;if
kj;jpa tq;fpahy;> nryhtzpf;; fl;Lg;ghl;Lj; jpizf;fsj;jhy; my;yJ
NtW
VNjDk;
xOq;fgLj;Jk;
FOtpdhy;
fhyj;jpw;Ff;
fhyk;
tpjpj;Jiuf;fg;gLfpd;wthwhFk;.
fld; ml;il itj;jpUg;gth;> ,yq;if
kj;jpa
tq;fpahy;>
tq;fpahy;>
ePjpkd;wj;jhy;
my;yJ
VNjDk;
xOq;FgLj;Jk; Kftuhz;ikahy; mtUf;F vjpuhdf; nfhzug;gLk; VNjDk;
chpik> ghpfhuk; my;yJ tof;F eltbf;if vd;gtw;Wf;F gq;fkpd;wp
midj;J epYitfisAk; jPHj;jy; Ntz;Lk;.
3.1.1.ml;il gpd;tUk; ml;ilf; nfhLf;fy; thq;fy;fSf;Fg; gad;gLj;jg;glyhk; :
(m)
ml;il itj;jpUg;gtUf;F tq;fpahy; mwptpf;fg;gl;l
fld; tiuaiwf;Fs;: kw;Wk;>
(M) ml;ilapy; Gilg;ghfg; nghwpf;fg;gl;bUf;Fk; KbTj;
jpfjp tiu. mj;jifa KbTWj;Jjy; tiu ml;il
fzf;F eilKiwapy; ,Uj;jy; Ntz;Lk;.
3.2 ml;il njhlHgpYk;> tq;fpAlDk; vy;yhf; nfhLf;fy; thq;fy;fs;
njhlh;gpYk; midj;J Neuq;fspYk;
fld; ml;il itj;jpUg;gth;
ey;nyz;zj;Jld; nraw;gLtjw;Fg; nghWg;ngw;fpd;whh;.
3.3 tq;fpaplkpUe;J vOj;J %ykhd mq;fPfhuj;ijg; ngw;Wf;nfhz;lhyd;wp
tq;fpahy;
Fwpj;njhJf;fg;gl;l
fld;
tiuaiwf;Fs;
nfhLf;fy;
thq;fy;fis Nkw;nfhs;Sk; flg;ghl;il fld; ml;il itj;jpUg;gth;
nghWg;ngw;fpd;whh;.
mj;Jld;> mj;jia vy;yh nfhs;tdTfspdJk;
nfhLf;fy;thq;fy;fspdJk;fPo;
nrYj;jg;glhJ
epYitapd;
$l;Lnkhj;jkhdJ mj;jifa fld; tiuaiwia tpQ;rr; nra;Ak;
93
nfhs;tdTfis my;yJ nfhLf;fy;thq;fy;fis gaDWj;jhjpUg;gjw;Fk;
nghWg;Ngw;fpd;whh;. ,e;j Vw;ghl;il kPwp ml;il itj;jpUg;gth;
fld;
tiuaiwia tpQ;rpdhy; ml;il itj;jpUg;gth; fld; tiuaiwia
tpQ;rpa njhifiaAk; tUkjpahd Fiwe;jgl;rj; njhifiaAk; mj;Jld;
tq;fpahy; tpjpj;Jiuf;fg;gl;l tuk;G fle;j fl;lzj;ijAk; KOikahf
nrYj;Jjy; Ntz;Lk;.
4.
fld; tiuaiw
4.1 ePq;fs; cq;fs;; ml;ilf; fzf;fpd;kPJ ve;jnthU Neuj;jpYk; epYitahf
itj;jpUf;ff; $baJk;> tq;fpf;Fr; nrYj;jg;gl Ntz;baJkhd mjpfgl;r
njhifNa cq;fsJ fld; tiuaiwahFk;. tq;fpapd; KOikahd
jw;Wzpgpd;
Nghpy;
,e;j
tiuaiw
jPHkhdpf;fg;gl;L
cq;fSf;F
vOj;J%yk; mwptpf;fg;;gLk;. fld; tiuiwia mjpfhpf;Fk; jifikia
ePq;fs; ngw;wpUe;jhy;> cq;fsJ rk;kjj;Jld; tq;fpahdJ ,e;jf; fld;
tiuaiw mjpfhpg;ig Nkw;nfhs;Sk;. ve;jtpj Kd;dwptpj;jYkpd;wp mjd;
jw;Wzpgpd;gb fld; tiuaiwiaf; Fiwf;Fk; chpikia tq;fp
jd;dfj;Nj nfhz;Ls;sJld; ,jidg; gw;wp cq;fSf;F mwptpf;Fk;.
tq;fpahdJ> (cq;fs; ml;ilf; fzf;fpd; nkhj;jf; fld; tiuaiwf;Fs;)
gzk;; rhh;e;j tiuaiwiaAk;> gzk; rhuhj tiuaiwiaAk; Gwk;ghf
eph;zapf;fyhk;
4.2 cq;fs; ml;ilf; fzf;fpYs;s tuT epYitapYs;s kPjpiaAk; tq;fpahy;
vw;fdNt
Vw;Wf;nfhs;sg;gl;lJk;
Mdhy;
mj;jpfjpad;Ws;sthW
nray;Kiwg;
gLj;Jtjw;F
fpilf;fg;ngwhjJkhd
VNjDk;
nfhLf;fy;thq;fiyf;
fUj;jpw;nfhz;lgpd;dh;
VNjDk;
Neuj;jpy;
gad;gLj;jg;glhj
fld;
tiuaiwahFk;.
gzk;
rhh;e;jJk;
gzk;
rhuhjJkhd
nfhLf;fy;thq;fy;
tiuaiw
eph;zapf;fg;gl;ltplj;J
kpQ;rpAs;s tuTk; mjw;fpzq;f gphpf;fg;gLk;. ePq;fs; vg;NghJk; cq;fs;
fzf;fpy; vQ;rpAs;s tutpw;Fs;NsNa ,Uf;Fk; tpjj;jpy; cq;fs; ml;ilf;
fzf;fpy;
nfhLf;fy;thq;fiy
Nkw;nfhs;tPh;fs;
vdgjid
ePq;fs;
nghWg;Ngw;fpd;wPh;fs;.
4.3 fld; ml;il itj;jpUg;gthpd; fld; ml;il fzf;fpYs;s fld; tiuaiw
jPh;e;J
Nghftpy;iy
vd;gJ
vt;thwpUg;gpDk;
tq;fp
mjd;
Vf
jw;Wzpgpd;Nghpy; mwptpj;jy; ,y;yhkYk; fhuzk; vJTk; fhl;lhkYk;
ml;il itj;jpUg;gth; kl;by; nghWg;ngJTkpy;yhkYk; VNjDk; Neuj;jpy;
ml;iliag; ghtpg;gjw;fhd chpikia kPsg;ngw;W kl;Lg;gLj;jyhk;
mj;Jld; VNjDk; ml;ilf; nfhLf;fy;thq;fiy kWj;Jk; tplyhk;.
4.4 ml;il itj;jpUg;gtuhy; ml;ilf; fzf;fpYs;s fld; tiuaiw
tpQ;rg;gLjyhdJ ,e;j cld;gbf;ifapd; epajp epge;;jidfspd; kPWtjhff;
fUjg;gLtJld; tq;fp mjd; Vf jw;Wzpgpd;Nghpy; Kd;dwptpj;jypd;wp
fzf;if ,y;yhnjhopf;fyhk;.
5.
Kw;gzf; nfhLg;gdT
fld; ml;il itj;jpUg;gth; NghjpasT fld;trjp
,Ug;gjw;fika
mDkjpf;fg;gl;l fld; tiuaiwf;Fs; mjpfgl;r njhifia Kw;gzkhfg;
ngw;Wf;nfhs;syhk;.
,J> nryhtzpf; fl;Lg;ghl;Lj;
jpizf;fsj;jpd;
xOq;F tpjpfSf;F mikthdjhfTk;> gpd;tUk; topKiwfs; %yk; tq;fp
mjd;
Vf
jw;Wzpgp;d;Nghpy;
tq;fpahy;
fhyj;Jf;Ff;
fhyk;
Vw;Wf;nfhs;sg;glf;$bathWk; ,Uf;Fk;.
94
5.1 tq;fpapd; ve;jnthU fpisapYk; my;yJ tPrh/kh];lh; fhh;l; epWtdj;jpd;
VjhtnjhU mq;fj;Jjt epWtdj;jpy;
fld; ml;ilia mtuJ
Msilahsj;jpd; rhd;Wld; Nrh;j;Jr; rkh;g;gpj;J mtrpakhd nfhLf;fy;
thq;fy; Mtzq;fspy; ifnaOj;jpLtjd; %yk.;
5.2 tq;fpapd;; my;yJ epWtdj;jpd; ATM nghwpiag; ghtpg;gjw;F tq;fp
cld;gbf;ifnahd;iwr; nra;Js;s NtW VNjDk; tq;fpapd; my;yJ
epWtdj;jpd; ve;jnthU ATM nghwpapYk; fld; ml;iliag; ghtpg;gjd;
%yk;@ mj;jifa tplaj;jpy; xt;nthU Kw;gzj; njhifAk; Vw;Gilj;jhd
ATM nghwpapd; jpdrhp kPsg;ngWk; tiuaiwf;F mikthdjhFk;.
5.3 mj;Jld; ATM, tq;fp> tzpfh;> Kfth;> cs;SH my;yJ ntspehl;L
tiuaiwfs; kw;Wk; kl;Lg;ghLfs;> nryhtzpf;fl;Lg;ghl;L xOq;Ftpjpfs;>
mj;Jld;/my;yJ NtW xOq;FgLj;Jk mjpfhu rigahy; fhyj;Jf;fhyk;
toq;fg;gLk; kl;Lg;ghLfs; vd;gdTk; Vw;Gilj;jhFk;.
5.4 ATM
nghwpapy;
nfhLf;fy;
thq;fy;fisg;
gaDWj;Jk;NghJ
gad;gLj;jg;gLtjw;nfd tq;fp PIN ,yf;fnkhd;iw toq;fk;. ml;il
itj;jpUg;gth; ve;jnthU re;jh;g;gj;jpYk; PIN ,yf;fj;ij NtW vtNuDk;
MSf;F ntspg;gLj;JjyhfhJ.
5.5 PIN ,yf;fj;ijg; ghtpj;J Nkw;nfhs;sg;gLk; nfhLf;fy;thq;fy; gw;wpa
tq;fpapd; gjpT mjd; tpisTfs; njhlh;ghf ml;il itj;jpUg;gtiug;
gpzpf;fpd;wjhjy; Ntz;Lk; vd;gJld; tq;fpapd; jfty; Kiwik Kbthd
rhd;whjYk; ml;il itj;jpUg;gtiug; gpzpf;fpd;wjhjYkhFk;.
5.6 fhR Kw;gzk; ngWjy;fSf;fhf fld; ml;il itj;jpUg;gth; fld;
ml;iliag; gad;gLj;JjyhdJ
mth; tq;fpahy; fhyj;jpw;Ff; fhyk;
tpjpj;;Jiuf;fg;gLk; epjpf; fl;lzk;/tl;b kw;Wk; Kw;gzf; nfhLg;gdtpd;
kPjhd fl;lzq;fs; vd;gtw;iwr; nrYj;Jtjw;F ml;il itj;jpUg;gthpd;
cld;gbf;ifahf miktjhff; fUjg;gLjy; Ntz;Lk;. fhR Kw;gzf;
nfhLg;gditg; ngw;Wf;nfhz;l jpfjpypUe;J mJ KOikahf nfhLj;Jj;
jPHf;fg;gLk; tiu fhR Kw;gzk; xt;nthd;wpd;kPJk; epjpf; fl;lzk; xd;W
mwtplg;gLk;. ml;il itj;jpUg;gtuhy; nrYj;jg;glNtz;ba epjpf;
fl;lzj;ij tq;fp fhyj;jpw;Ff; fhyk; NtWgLj;jyhk;.
5.7 cldbahf gzkhf khw;wpf;nfhs;sf;$ba gazpfs; fhNrhiyfs;>
Nfhhpf;if tiuTfs;;> je;jpf; ifkhw;wy;fs; Kjypadfld; ml;iliag;
ghtpj;J thq;Fk; NghJ> mJ gzkhf ngw;Wf;nfhs;sg;gl;l fhR
Kw;gzkhff;
fUjg;gLjy;Ntz;Lk;
vd;gJld;
Kw;nfhLg;gdthf
fUjg;gLtJld;> Nkw;$wg;gl;l mwtPLfSf;F mikthdJkhFk;.
5.8 mjd;
jw;Wzpgpd;Nghpy;
,e;j
trjpia
kPsg;ngWtjw;fhd chpik tq;fpf;F cz;L.
6.
khw;Wtjw;fhd
my;yJ
Fiwepug;G/Nkyjpf ml;ilfs;
6.1 tq;fp mjd; Vfj; jw;Wzpgpd;Nghpy; ml;il itj;jpUg;gtuhy; ngah;Fwpj;J
epakpf;fg;gl;L
ml;ilitj;jpUg;gtuhYk;
Fiwepug;G/Nkyjpf
ml;il
itj;jpUg;gtuhYk; $l;lhf Ntz;LNfhs; tpLf;fg;gl;l MnshUtUf;F
(Ml;fSf;F) Fiwepug;G/Nkyjpf ml;ilia(ml;ilfis)
mq;fPfhpj;J
toq;fyhk;. Fiwepug;G ml;il itj;jpUg;gth; 18 taJilatuhfTk;
my;yJ mjw;F Nkw;gl;ltuhfTk; neUq;fpa FLk;g cWg;gpduhfTk;
95
(tho;f;ifj;Jiz> gps;is>
ngw;Nwhh;> rNfhjuh; my;yJ rNfhjhp)
,Uj;jy;Ntz;Lk;.
taJ g+Hj;jpahdth;fshf ,Ug;gJld;> fld; ml;il
itj;jpUg;gthpd; neUq;fpa FLk;g cwtpduhf ,Uf;f Ntz;Lk;. ,jpypUe;J
NtWgLjy; vJTk; tq;fpapd; jw;wzpgpd;gbNaahFk;. epajp epge;idfs;
mjf;fia vyyh Ml;fisAk; gpzpf;Fk;.
6.2 Kjdpiyf; fld; ml;il itj;jpUg;gtUf;F Fwpj;njhJf;fg;gLk; fld;
tiuaiwahdJ> Fiwepug;G/Nkyjpf ml;il itj;jpUg;gtUf;F toq;fg;gLk;
fld; tiuaiwiaAk; cs;slf;fpajhf ,Uf;Fk;. Kjdpiy fld; ml;il
itj;jpUg;gtUk; Fiwepug;G/Nkyjpf fld; ml;il itj;jpUg;gtUk;
jj;jkJ fld; ml;ilfs; %yk; cwg;gl;l nkhj;j fld; tiuaiwia
tpQ;Rtjw;F mDkjpf;fg;gLjyhfhJ.
6.3 Fiwepug;G ml;ilapd; nry;YgbahFk; jd;ikahdJ
Kjdpiy
ml;ilapd; nry;YgbahFk; jd;ikapd;kPJ jq;fpAs;sJ. Kjdpiy
ml;ilahdJ>
tq;fpahy;
KbTWj;jg;gl;lhy;
my;yJ
ml;il
itj;jpUg;gthpd; Ntz;LNfhspd; Nghpy; %lg;gl;lhy;> Fiwepug;G ml;ilAk;
KbTWj;jg;gLk;/%lg;gLk;.
vdpDk;
Fiwepug;G/Nkyjpf
ml;il
KbTWj;jg;gltjd;/%lg;gLtjd;
tpisthf
Kjdpiy;
ml;il
KbTWj;jg;glkhl;lhJ.
6.4 tq;fpapd; kl;by; Kjdpiy ml;il itj;jpUg;gthpdJk; Nkyjpf ml;il
itj;jpUg;gthpdJk; nghWg;Ngw;Gfs;;> nghWg;Gf;fs;> flg;ghLfs; vd;gdTk;
,jd;fz; tq;fpf;Fs;s chpikfSk; Kjdpiy ml;il itj;jpUg;gtUk;
Fiwepug;G
ml;il
itj;jpUg;gtUk;
xUtnuhUtUf;nfjpuhff;
nfhz;bUf;ff;$ba
VNjDk;
gpzf;fhy;
my;yJ
vjph;
chpikf;Nfhhpf;ifahy; ve;j tpjj;jpYk; ghjpf;fg;glkhl;lJ.
6.5 Kjdpiy
ml;il
itj;jpUg;gthpdJk;
Nkyjpf
ml;il
itj;jpUg;gthpdJk;
ml;ilf;
fzf;Ffs;
xUkpj;jpUg;gpDk;rhp
jdpj;jdpahf
,Ug;gpDk;rhp
mth;fsJ
ml;ilfisg;
gad;gLj;jp
nray;Kiwg;gLj;Jk;
vy;yh nfhLf;fy;
$l;lhfTk; jdpj;Jk; nghWg;Gilath;fshth;.
thq;fy;fSf;Fk;
mth;fs;
6.6 Kjdpiy
ml;il
itj;jpUg;gth;
tq;fpf;fhd
vOj;jpyhd
mwptpj;jnyhd;iw Nkyjpf ml;ilia ,uz;lhf ntl;b mjDld; Nrh;j;J
tq;fpf;F
mDg;Gtjd;%yk;
Fiwepug;G/Nkyjpf
ml;il
itj;jpUg;gthpd;/itj;jpUg;gth;fspd; kPjhd mjpfhuj;ij kPsg;ngwyhk;.
6.7 Fiwepug;G ml;il itj;jpUg;gtuhy; mjpfhukspf;fg;gl;l vy;yh nfhLf;fy;
thq;fy;fSk; nry;YgbahditAk; Kjdpiy ml;il itj;jpUg;gth;kPJ
gpzpf;fpd;witahjYk;;
Kjdpiy
ml;il
itj;jpUg;gthpd;
nghWg;ghjYk;Ntz;Lk; vdf; fUjg;gLjy;Ntz;Lk;.
6.8 Fiwepug;G ml;il itj;jpUg;gthpd; VNjDk; rl;lg+Ht ,ayhik my;yJ
Mw;wypd;ik fhuzkhf my;yJ Fiwepug;G ml;il itj;jpUg;gtuhy; ,e;j
epajp; epge;jidfspd; VNjDk; kPWifahy; tq;fpf;F Vw;gLk; ,og;Gfs;>
Nrjq;fs;> nghWg;Gf;fs;> fpuaq;fs; kw;Wk; nryTfs; mit rl;lg+Htkhf
cwg;gl;ljhapDk;rhp
my;yJ
NtW
tifapy;
cwg;gl;ljhapDk;rhp
mtw;;wpw;nfjpuhf tq;fpia el;Nlhj;juthjk; nra;Jitj;jy;Ntz;Lk;.
96
7.
fld; ml;ilia Vw;Wf;nfhs;sy;
7.1 ml;il Vw;Gilj;jhdthW Kjdpiy ml;il itj;jpUg;gthpd; my;yJ
Nkyjpff; ml;il itj;jpUg;gthpd; ifnahg;gj;ij nfhz;bUe;jhy;
khj;jpuNk
Vw;fg;gLk;.
Njhjhd
ml;ilf;
FwpaPl;il
ntspf;fhl;b
itj;jpUf;Fk; (tPrh my;yJ kh];lh; fhh;l;) tHj;jf epWtdq;fs; kw;Wk; epjp
epWtdq;fs; rhjhuzkhf ml;ilia Vw;Wf;nfhs;Sk;. vj;jd;ikaJkhd
vNjDk;; fhuzj;jpw;fhf tHj;jf epWtdk;/epjp epWtdk; ml;ilia
Vw;Wf;nfhs;s kWf;Fk;gl;rj;jpy;; mjw;F tq;fp nghWg;ghspahf khl;lhJ.
Njhjhd fld; ml;ilf; FwpaPLfs; (tPrh my;yJ kh];lh;fhh;l;) vd;gtw;iw
ntspf;fhl;b itf;Fk; vitNaDk; tsTfspy;
cq;fs;; ml;il %yk;
mq;F
tpw;fg;gLk;
nghUl;fis
my;yJ
Nritfis
nfhs;tdT
nra;aKbAk; vd;gjw;F epajp cj;juthjnkJTkpy;iy.
7.2 ngw;Nwhy; epug;Gf; $lj;jpy; my;yJ epiyaq;fspy; ,Ue;J ngw;Nwhy;> Bry;
kw;Wk; vhpthA Kjyhdtw;iw nfhs;tdT Vw;Gilj;jhd ifahS;jy;
kw;Wk; Nritf; fl;lzq;fs; vd;gtw;Wf;F mikthdjhFk;.
7.3 vdpDk;>; vtNuDk; tzpfh;/tq;fp cq;fs;; ml;ilia Vw;f kWj;jijg; gw;wp
mthpd;/mjd; miktplk;> nfhLf;fy; thq;fy; ,lk;ngw;w jpfjp> Neuk;
kw;Wk; tq;fp jdJ tprhuizfis Nkw;nfhs;tjw;F cjtpahf ,Uf;Fk;
Vida tptuq;fs; gw;wp ePq;fs; tq;fpf;F mwptpf;fyhk;.
8.
fzf;Ff; $w;W
8.1 tq;fpahdJ> khjhe;jk; ,-$w;wpd;fPo; my;yJ rhjhuz jghypy; Kd;dNu
jPHkhdpf;fg;gl;l jpfjpapy;;> cq;fs; ml;ilf; fzf;fpy; nfhLf;fy;
thq;fy;fs; rk;ge;jg;gl;l tptuq;fs; mlq;fpa mwpf;ifia; cq;fSf;F
mQ;ry; nra;Ak;. cq;fsJ fzf;fpy; epYitfs; vJTk; ,y;yhtpl;lhYk;>
cq;fsJ filrp fzf;Ff; $w;wpd; gpd;dh; ,lk;ngw;w nfhLf;fy;
thq;fy;fs; Fwpj;J tq;fpf;F jfty; fpilf;fhtpl;lhYk;> fzf;F mwpf;if
mDg;gg;gl khl;lhJ. tq;fp cq;fs; ml;ilf; fzf;fpy; nfhLf;fy; thq;fy;
gw;wpa $w;nwhd;iw xt;nthU khjKk; toikahd mQ;ry; Clhf my;yJ
,-$w;W Clhf cq;fSf;F mQ;ry; nra;Ak;.
8.2 ve;jnthU fhuzj;jpd; epkpj;jKk; cq;fSf;F cq;fsJ mwpf;if
fpilf;fg; ngwhikahdJ> Fiwe;jgl;r epYitj; njhifiaahtJ
fl;lhky; ,Ug;gjw;fhd nry;Ygbahd fhuzkhf mika khl;lhJ.
toikahf ePq;fs; fzf;F mwpf;ifiag; ngw;Wf;nfhs;Sk; jpfjpapypUe;J
10 ehl;fSf;Fs; mjidg; ngw;Wf; nfhs;shtpl;lhy;> ePq;fs; fl;lNtz;ba
njhifia mwpe;Jnfhs;tjw;F jaTnra;J tq;fpAld; (fld; ml;il
Nritg; gphpit) njhiyNgrp %yk; njhlHGnfhs;sTk;. .
8.3 cq;fs; $w;W cq;fsJ Ke;jpa khj fzf;Ff; $w;W jpfjpapy; ,Ue;J
jw;Nghija fzf;Ff; $w;W jpfjpad;W mYty;fs; %lg;gLk; Neuk; tiu
cq;fs;; ml;il kPJ ngw;Wf;nfhz;lJk; nray;Kiwg;gLj;jpaJkhd vy;yh
nfhLf;fy; thq;fy;fspdJk; tq;fp ngw;Wf;nfhz;l tptuq;fisj; jUk;.
8.4 cq;fs; fzf;Ff; $w;wpy; epYitahf ,Uf;Fk; njhif gpd;tUtdtw;iwf;
nfhz;bUf;Fk;:
97
(m) vy;yh mQ;ry; kw;Wk; njhiyNgrpf; fl;lisfSk; my;yJ cq;fshy;
my;yJ vtNuDk; Fiwepug;G/Nkyjpf ml;il itj;jpUg;gtuhy;
mjpfhukspf;fg;gll NtW VNjDk; ,yj;jpudpay; topKiwahy;
mjpfhukspf;fg;gl;l fl;lis %yk; cq;fs; fld; ml;iliag; ghtpj;J
ePq;fs; nfhs;tdT nra;j vy;yh nghUl;fspdJk; Nritf spdJk;
tpiy cq;fs; ml;ilf; fzf;fpy; mwtplg;gLk;.
(M)
Vw;Gilj;jhdtplj;J
ATM
,ae;jpuq;fspd;
Clhf
ngw;Wf;nfhs;sg;gl;lit cs;spl;l cq;fs; fzf;fpy; ngwg;gl;l fhR
Kw;gzq;fs;.
(,) ,e;jf; fld; ml;ilapd; ghtid njhlHghd epajp epge;jidfspd; 9
MtJ thrfj;jpd; fPo; Fwpg;gplg;gl;bUf;Fk; fl;lzq;fs; (cjhuzk; fl;lzk;> Nritf; fl;lzq;fs; Kjyhdit) kw;Wk; eilKi-wapy;;
cs;s murhq;f thpfs;>; fld; ml;il ghtidf;fhf cwg;gl;l tl;b
cl;gl Vida tq;fpf; fl;lzq;fs;> vd;gd Nrh;f;fg;l;bUf;Fk;.
9. nfhLg;gdTfSk; fl;lzq;fSk;
,e;jg; gphptpy; Fwpg;gplg;gLk; vy;yh eilKiwf; fl;;lzq;fs;> mwtPLfs;
njhlHghd
tpguq;fs;
tq;fpahy;
ntspaplg;gl;lJk;
Ntz;LNfhspd;kPJ
ngwf;$baJkhd Nrit kw;Wk; tpiy topfhl;bapy; Fwpg;gplg;gl;bUf;Fk;. ,e;jf;
fl;lzq;fs; ml;ilitj;jpUg;gtUf;F 10 ehs; mwptpj;jYld; fhyj;jpw;Ff;
fhyk;
jpUj;jg;glyhk;.
mwptpj;jy;
$w;Wr;
nra;jpfs;>
,izaj;jsk;
mj;Jld;/my;yJ vkJ fpisfspy; ntspaplggLk; mwptpj;jy;fs; Clhf
toq;fg;gLk;.
9.1 fld; ml;il tpepNahfpf;fg;gLk; NghJ tq;fpahy; Fwpj;Jiuf;fg;gLk;
,izTf; fl;lzj;ijAk;
mj;Jld;> xt;nthU Fiwepug;G ml;ilAk;
tpepNahfpf;fg;gLk;
NghJ
mjw;fhf
tq;fpahy;
tpjpj;;Jiuf;fg;gLk;
,izTf; fl;lzj;ijAk; Ntz;LNfhspd; Nghpy; tq;fpf;Fr; nrYj;j ml;il
itj;jpUg;gth; cld;gLfpd;whh;.
9.2 fld; ml;il tpepNahfpf;fg;gLk; NghJ my;yJ GJg;gpf;Fk; NghJ tq;fpahy;
tpjpj;Jiuf;fg;gLk; Mz;Lf; fl;lzj;ij tq;fpapd; Ntz;LNfhspd; Nghpy;
fld; ml;il itj;jpUg;gth; tq;fpf;Fr; nrYj;j cld;gLfpd;whh;.
mj;Jld;> xt;nthU Fiwepug;G ml;ilAk; tpepNahfpf;fg;gLk; NghJ my;yJ
GJg;gpf;fg;gLk; NghJ mjw;fhf tq;fpahy; tpjpj;Jiuf;fg;gLk; Mz;Lf;
fl;lzj;ij nrYj;jTk; mth; cld;gLfpd;whh;.
fld; ml;il
KbTWjjg;gLkhapd; my;yJ Vw;fg;glhtpl;lhy;> nrYj;jg;gl;l Mz;Lf;
fl;lzk; kPsg; ngwg;glhJ.
9.3 fld; ml;il itj;jpUg;gth; fzf;Ff; $w;wpy; Fwpg;gplg;gl;bUf;Fk; gzk;
nrYj;jg;gl Ntz;ba jpdj;jpw;F gpe;jhky;> fzf;Ff; $w;wpy; jw;Nghija
ghf;fp vd;W Fwpg;gplg;gl;bUf;Fk; midj;Jf; fl;lzq;fspdJk; nkhj;jj;
njhifia fl;Ltjw;F ,zq;FfpwhH. mj;Jld;> gzk; nrYj;jg;gl
Ntz;ba jpdj;jpy; my;yJ mjw;F Kd;dh; jw;Nghija ghf;fpfs;
nrYj;jg;gl;lhy;> ve;jtpj epjpf; fl;lzKk; fld; ml;il itj;jpUg;gthplk;
mwtplg;gl khl;lhJ (Kw;gz ngWjy;fs; ePq;fyhf).
98
9.4 tUkjpahd Fiwe;jgl;r njhif
fzf;Ff;$w;W tUkjpahd Fiwe;jgl;r njhifiaf; fhl;Lk;. ,e;jj; njhif
tq;fpahy; fhyj;jpw;Ff; fhyk; jPHkhdpf;fg;gLk;. fzf;Ff; $w;wpYs;s
epYitapd; rjtPjkhf my;yJ xU kl;lkhd njhifahf (,jpy; vJ $baNjh
mJ) fzpf;fg;gLk;. epYitapYs;s Fiwe;jgl;r njhifahdJ> gzk;
nrYj;jg;gl Ntz;ba jpfjpad;W my;yJ mjw;F Kd;dh; tq;fpf;F ml;il
itj;jpUg;gtuhy; nrYj;jg;gl Ntz;Lk;. tq;fp mg;gzj;ijg; ngw;Wf;nfhz;L
mj;njhifia ml;il itj;jpUg;gthpd; fzf;fpy; tuT itj;j gpd;dNu>
nfhLg;gdT ,lk;ngwk; - ml;il itj;jpUg;gth; gzj;ij mDg;Gk; Nghjy;y.
ml;il itj;jpUg;gth; mj;njhifiar; ml;ilf; fzf;F epYitapypUg;gpd;
my;yJ fld; tiuaiw tpQ;;rg;gl;bUg;gpd; mj;njhifia cldbahf
tq;fpf;Fr; nrYj;JkhW fld; ml;il itj;jpUg;gth; Njitg;gLj;jg;gLthh; ,J
fzf;Ff; $w;wpy; mwptpf;fg;gLk;. ml;il itj;jpUg;gth; tq;fpf;Fr; nrYj;Jk;
njhif Fiwe;jgl;r epYitj; njhifiatpl mjpfkhf ,Uf;fyhk; my;yJ
nrYj;jg;gl Ntz;ba jpfjpf;F Kd;djhf mth; mj;njhifia tq;fpf;Fr;
nrYj;jyhk;. my;yJ gl;baypLk; fhyg;gFjpapy; xU jlitf;F mjpfkhf
nrYj;jyhk;. tq;fpf;Fr; nrYj;jg;gLk; mj;jifa nfhLg;gdthdJ> fzf;Ff;
$w;wpy; Fwpg;gplg;gl;l Kiwapy; ,yq;if &ghtpd; %yk; nrYj;jg;gl Ntz;Lk;.
9.5 fld; ml;il itj;jpUg;gth; jw;Nghija epYitia
KOikahfr;
nrYj;jhky; ,Uf;Fk; njhpit Nkw;nfhs;syhk;. mt;thwhd re;jh;g;gj;jpy;
mth; eilKiwg; epYitapd; 5% rjtPjj;ij my;yJ &gh 500I> ,jpy;
vJ $baNjh mj;njhifia (,jw;Fg; gpd;dh; Fiwe;jgl;r epYitj;
njhif vdf; Fwpg;gPLnra;ag;gLk;;) nfhLg;gdT tUkjpahFk; jpfjpad;W
my;yJ mjw;F Kd;dh; nrYj;Jjy; Ntz;Lk;. eilKiwg; epYit> &gh
500 I tplf; Fiwthf ,Ug;gpd;> me;j eilKiwg; epYitia
KOikahfr; nrYj;j Ntz;Lk;. vdpDk;> tUkjpahd Fiwe;jgl;r
njhifahdJ>
nfhLg;gdT
nra;ag;glNtz;ba
jpfjpad;W
nryj;jg;glhtpby; my;yJ mjpy; xU gFjp khj;jpuNk nrYj;jg;gl;lhy;>
mt;thW nrYj;jg;glhj njhifahdJ> mLj;j khj $w;wpy; Fiwe;jgl;r
epYitj; njhifAld; Nrh;f;fg;gLk;.
9.6 ml;il itj;jpUg;gth; nfhLg;gdT Nkw;nfhs;sg;gl Ntz;ba jpfjpad;W
Fiwe;jgl;r epYitj; njhifiar; nrYj;jhtpl;lhy;> fhyj;Jf;Ff;fhyk;
epyTk; jhkjf; nfhLg;gdT mwtPnlhd;W tpjpf;fg;gLk;.
9.7 tl;b/epjp mwtPLfs;
9.7.1nfhLg;gdT nra;a Ntz;ba jpfjpad;W my;yJ mjw;F Kd; KOikahf
nra;ag;gLk; nfhLg;gdTfSf;F tl;b mwtplg;gl khl;lhJ. (Kw;gzg;
ngWjy;fisj; jtph;j;J). 48 ehl;fs; tiu tl;br; rYif toq;fg;gLk;.
MapDk; Kjy; khj nkhj;j epYitahdJ> nfhLg;gdT tUkjpahd
jpfjpad;W KOikahfr; nrYj;jg;gl;bUf;f Ntz;Lk;.
9.7.2tUkjpahd jpfjpad;W my;yJ mjw;F Kd;dh; gFjpastpyhd nfhLg;gdT
nra;ag;gbDk; my;yJ Fiwe;jgl;r njhif nrYj;jg;gbDk;; tl;b/epjp
mwtPLfs; tpjpf;fg;gLk;.
9.7.3 tUkjpahd jpfjpapd;gpd;dh; epYitj;; njhif KOikahf nrYj;jg;bDk;
tl;b/epjp mwtPLfs; tpjpf;fg;gLk;.
99
9.7.4 gFjpasT/Fiwe;jgl;r nfhLg;gdTfSf;fhd tl;bahdJ> filrp fzf;Ff;
$w;W jpfjpapy; ,Ue;J nfhLg;gdT nrYj;jg;gl;l jpfjp tiuapy; nkhj;j
epYitj; njhif kPJ fzpf;fg;gLk;. mjd; gpd;dh; mLj;j fzf;Ff; $w;Wj;
jpfjp tiuapyhd epYitj; njhif kPJ fzpf;fg;gLk;.
9.7.5 tUkjpahd
jpfjpf;Fg;gpd;dh;
nra;ag;gLk;
KOf;
nfhLg;gdTfSf;F
fzf;Ff; $w;wpd; jpfjpapypUe;J nfhLg;gdT ngw;Wf;nfhs;sg;gl;l jpfjp
tiuapyhd epYitapd; kPJ tl;b fzpf;fg;gLk;. nfhLg;gdT vJTk;
nra;ag;glhjgl;rj;jpy; filrpf; fzf;Ff; $w;Wj; jpfjpapy; ,Ue;J Gjpa
fzf;Ff; $w;Wj; jpfjp tiuapy; epYitahf cs;s njhif kPJ tl;b
fzpf;fg;gLk;.
9.7.6 ngw;Wf;nfhs;sg;gl;l Kw;gzq;fs; kPjhd tl;b mg;gzk; ngwg;gl;l
jpfjpypUe;J mJ KOikahfj; jPHf;fg;gLk; jpfjp tiuapy; mwtplg;gLk;.
tl;b/epjp mwtPLfs; tpjpf;fg;gLk; Kiw
tpUg;Gj; njhpT
1.0 epYitapYs;s nkhj;jj;njhifapd; nfhLg;gdT
xt;nthU khjKk;
tUkjpahd jpfjpf;F
Kd;dh; nrYj;jg;gbd;
tl;b vJTk; mwtplg;glkhl;lhJ. (fhR
Kw;gzq;fs; GwePq;fyhf. fhR Kw;gzq;fs;
kPjhd
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2.0 nkhj;j
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nfhLg;gdT
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tUkjpahd
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tpsf;fk; 1 $w;Wj; jpfjp 1.8.2010 tUkjp jpfjp 25.8.2010
jpfjp
tptuk;
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8.1.2010 Muk;g kPjp
tl;b fzpg;gPL
kPjp
100>000.00
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8.10.2010 nfhs;tdT 10>000.00 110>000.00 01.08.10-10.08.10 100>000.00 24.0%
9
591.78
8.24.2010 nfhLg;gdT (5>000.00) 105>000.00 11.08.10-24.08.10 110>000.00 24.0%
14
1012.60
9.1.2010 fhy.tl;b
8
2>156.71
9.1.2010 KbT kPjp
24.3.10-01.09.10 105>000.00 24.0%
107>156.71
552.33
nkhj;jk;
2>156.71
tpsf;fk; 2 $w;Wj; jpfjp 1.8.2010 tUkjp jpfjp 25.8.2010
jpfjp tptuk;
njhif
8.1.2010 Muk;g kPjp
8.10.2010 nfhs;tdT
9.1.2010 fhy.tl;b
9.1.2010 jhkjf; nfhLg;gdT
9.1.2010 KbT kPjp
kPjp
100>000.00
jpfjp
kPjp
tPjk; ehl;fs; tl;b
10>000.00 110>000.00 01.08.10-10.08.10 100>000.00 24.0%
9
591.78
2>183.01 112>183.01 11.08.10-27.08.10 110>000.00 24.0%
22;
1>591.23
800.00
nkhj;jk;
112>983.92
100
2>183.01
9.8 ml;il itj;jpUg;gthplkpUe;J tq;fp ngw;Wf;nfhs;Sk; midj;Jf;
nfhLg;gdTfSk; gpd;tUk; nfhLg;gdT xOq;FKiwf;F mika my;yJ
nghUj;jkhdnjd tq;fp fUJk; Vida Ke;Jhpik xOq;FKiwf;F mika
gpuNahfpf;fg;gLk;: .
(m) VNjDk; Ke;jpa fzf;Ff; $w;wpy; fhl;lg;gLk nrYj;jg;glhj midj;J epjp
mwtPLfs;> Nritf; fl;lzq;fs;> mwtPLfs;;> fhR Kw;gzq;fs; kw;Wk; NtW
nryTfs.;
(M) elg;G fzf;Ff; $w;wpy; fhl;lg;gLk; nrYj;jg;glhj midj;J epjp
mwtPLfs;> Nritf; fl;lzq;fs;> mwtPLfs;;> fhR Kw;gzq;fs; kw;Wk; NtW
nryTfs.;
(,) VNjDk; Ke;jpa fzf;Ff; $w;wpy; fhl;lg;gLk; nrYj;jg;glhj ml;ilf;
nfhLf;fy; thq;fy;/fs; kw;Wk; nfhs;tdT nfhLf;fy; thq;fy;fs;.
(<) elg;G fzf;Ff; $w;wpy; fhl;lg;gLk; nrYj;jg;glhj midj;J ml;ilf;
nfhLf;fy; thq;fy;fs; kw;Wk; nfhs;tdT nfhLf;fy; thq;fy;fs;.
(c) elg;G fzf;Ff; $w;wpy; ,d;dKk; fhl;lg;glhj midj;J epjpf; fl;lzq;fs;>
Nritf; fl;lzq;fs;> mwtPLfs;;> fhR Kw;gzq;fs>> NtW nryTfs; kw;Wk;;
ml;ilf; nfhLf;fy; thq;fy;fs;.
9.9 Mz;Lf; fl;lzq;fs;> ifahSk; mwtPL;fs;> Nkyjpf mwtPLfs;;> epjp
mwtPLfs;;> Fwpj;Jiuf;fg;gl;l tUkjpahd Fiwe;jgl;r epYitj; njhif
mj;Jld;/my;yJ jhkjf;nfhLg;gdT mwtPLfs; my;yJ NtW mwtPLfs;
vd;gtw;wpd; tPjj;ij my;yJ fzpg;gpLk; Kiwia mjd; Vf jw;Wzpgpd;gb
NtWgLj;Jtjw;F tq;fp chpikAilaJ.
9.10 khw;W ml;ilia toq;FkhW ml;il itj;jpUg;gth; tq;fpaplk; Nfhhpf;if
tPLg;gjd;kPJ cldbahf
khw;wPl;L ml;ilnahd;iw toq;Ftjw;F
tq;fpahy; tpjpj;Jiuf;fg;gLk; fl;lzk; ml;il itj;jpUg;gtuhy; tq;fpf;F
cldbahf nrYj;jg;gLjy; Ntz;Lk;. ml;il itj;jpUg;gth; tq;fpaplk;
Nfhhpf;if tpLf;Fk;NghJ tpw;gid cWjpr;rPl;Lf;fs;/gz Kw;nfhLg;gdTr;
rpl;ilfs; vd;gtw;wpd; gpujpfisg; ngWtjw;fhfTk;> fhyj;jpw;Ff; fhyk;
tq;fp toq;Fk; Nkyjpf Nritfisg; ngw;Wf;nfhs;tjw;fhfTk; tq;fpahy;
tpjpj;;Jiuf;fg;gLk; Nkyjpff; fl;lzj;ij cldbahf mth; tq;fpf;F
nrYj;j Ntz;Lk;.
9.11 Njhjhd rl;l eltbf;if vLg;gjw;F tq;fpapd; chpikfSf;Fg; gq;fkpd;wp
epYitapYs;s
njhifia
KOikahf
my;yJ
gFjpastpy;
nrYj;Jtjw;fhf ml;il itj;jpUg;gtuhy; tiuag;gl;l nrYj;jg;glhj>
jpUg;gp mDg;gg;gl;l fhNrhiyfs; njhlHgpy; tq;fp VNjDk; Neuj;jpy;
fl;lzj;ij mwtplyhk;.
9.12 ml;ilf; fzf;fpd;fPo; VNjDk; gzj;njhif ml;il itj;jpUg;gthplkpUe;J
tq;fpf;F tUkjpahftpUg;gpd; my;yJ VNjDk;
tq;fpf; fzf;fpd; kPJ
my;yJ VNjDk; eilKiwf; fzf;fpd;kPJ
my;yJ NtW tifapy;
my;yJ VNjDk; Kiwapy; my;yJ ml;il itj;jpUg;gtUf;F tq;fpahy;
mspf;fg;gLk; NtW VNjDk; mj;jifa fzf;fpy; my;yJ tq;fpj; njhopy;
trjpfspy;;> fld; ml;il itj;jpUg;gtuhy; jtWif Ghpag;gbd; ml;il
itj;jpUg;gthpd;
fzf;fpYs;s
nkhj;j
epYitahdJ>
cldbahf
tUkjpahfTk;
nrYj;jg;glw;ghyjhjYk; Ntz;Lk; vd;gJld;
,jd;;
thrfk; 16 (KbtWj;jy;) Vw;Gilj;jhjYk;Ntz;Lk;.
101
9.13 cq;fsJ ml;ilf; fzf;fpYs;s kPjpiaf; Fwpg;gpl;L tq;fpapd; mYtyh;
xUtuhy; ifnahg;gkplg;gl;l
rhd;wpjnohd;W mj;jifa rhd;wpjo;
toq;fg;gl;l jpfjpad;W ePq;fs; tq;fpf;Fr; nrYj;j Ntz;ba njhiff;F
Kjy; Njhw;wr; rhd;whjo; Ntz;Lk;.
9.14 vitNaDk;
gz itg;gPLfs; mit ml;ilf; fzf;fpy; tuT
itf;fg;gl;ljd; kPJ khj;jpuNk tq;fpahy; ngw;Wf;nfhs;sg;gl;ljhff;
fUjg;glyhk;. . ];lhd;lh;l; rhHl;ll; tq;fpapd; ATM nghwpfspy;
Nkw;nfhs;sg;gLk; fhR itg;gPLfs;> mLj;J tUk; Ntiy ehsd;Nw fld;
ml;ilf; fzf;fpy; tuT itf;fg;gLk;.
9.15 Ntiy ehl;fspy; gp.g 5.00 kzpf;F gpd;dUk;> thu ,Wjp ehl;fspYk;> tq;fp
tpLKiw ehl;fspYk; ];lhd;lh;l; rhHl;ll; tq;fpapd; ATM nghwpfs;; %ykhf
Nkw;nfhs;sg;gLk; epjpf; ifkhw;wq;fs; mLj;JtUk; Ntiy ehspd; NghJ
cq;fsJ ml;ilf; fzf;fpy; tuT itf;fg;gLk;.
9.16 fhNrhiy itg;gPNlhd;W tq;fpahy; Nrfhpg;gpw;F Vw;Wf;nfhs;sg;gl;L
fhNrhiy gzkhfj; Njwg;gl;L
mj;njhif kw;w tq;fpahy; tq;fpf;Fr;
nrYj;jg;gLk; tiu tUtha;fs; fpilf;fkhl;lhJ. vkJ ATM nghwpfspYk;
fhNrhiy itg;Gg; ngl;bfspYk; itg;gplg;gLk; fhNrhiyfs;> mLj;JtUk;
Ntiy ehsd;Nw Nrfhpf;fg;gLk;.
9.17 tq;fpf; fpisfs; vjidAk; nfhz;buhj ,lj;jpy;/nfhLg;gdT Vw;Fk;
ikaj;jpy; tiuag;gl;l fhNrhiyfs; %ykhd nra;ag;gLk; nfhLg;gdTfs;
tq;fpahy; fhyj;Jf;Ff; fhyk; jPh;khdpf;fg;gl;lthW nray;Kiwg;gLj;Jk;
kw;Wk; ifahSjy; fl;lzj;jpw;F mikthdjhFk;. nfhLg;gdit Vw;Fk;
ikaq;fsshtd tiuaWf;fg;gl;l rpNyhd; nfhkh;\pay; Ngq;f; ypkpl;nll;>
Ne\d;]; l;u];l; Ngq;f; (fz;bf; fpis)> yq;fhngy; gpiwNtl; ypkpl;nll;;>
fPy;]; Rgh; tpw;gid epiyaq;fs;;> Mh;gpf;Nfh Rg;gh; nrd;lh;fs; kw;Wk; Rg;gh;
];Nlhh;fs;
Mfpatw;iw
cs;slf;Fk;
Mdhy;
mtw;wpw;F
kl;Lg;gLj;jg;glkhl;lh.
nfhLg;gdit
Vw;Wf;nfhs;sg;gLk;
ikaq;fs;
vtw;wpYk; nra;ag;gLk; nfhLg;gdTfs; fpilf;fg;ngwhikahy; ml;il
itj;jpUg;gthpd; fzf;fpy; tuT itg;gjpyhd jhkjj;jpw;F tq;fp
nghWg;ghspahf khl;lhJ.
9.18 nfhLg;gdT tUkjpahFk;
jpfjpad;W> ml;ilf; fzf;fpw;F> ml;il
itj;jpUg;gthpd; epYitahfTs;s fld; ml;il tpiyg;gl;baYf;fhd
nfhLg;gdtpd; tPjnkhd;iw ml;il itj;jpUg;gth; tq;fpapYs;s mtuJ
eilKiw my;yJ Nrkpg;Gf; fzf;fpd; %yk; nrYj;Jtjw;fhf nfhLg;gdT
tUkjpahd jpfjpad;W mj;jifa fzf;Ffs; kPJ gw;Wf;fhd Neub
epiyapaw;
gzpg;Giuia tq;fpf;F toq;fyhk;. mj;jifa VNjDk;
epiyapay; mwpTWj;JjYf;fhd jpUj;jq;fs; my;yJ ,y;yhnjhopj;jy;
mLj;j tUkjpj; jpfjpf;Ff; Fiwe;jgl;rk; ,U thuq;fSf;F Kd;duhf
tq;fpf;Ff; fpilf;fg;ngwjy; Ntz;Lk; vd;gjw;F
ml;il itj;jpUg;gth;
cld;gLfpd;whh;.
9.19 ml;il itj;jpUg;gth; ml;ilf; fzf;F njhlh;gpy; tq;fpf;Fr; nrYj;jg;gLk;
nfhLg;gdTfs; ,e;j epajp epge;jidfspd;fPo; nghUj;jkhdJ vdf;
fhyj;jpw;Ff;
fhyk;
tq;fp;
fUJk;
mj;jifa
xOq;FKiwapy;
gpuNahfpf;fg;gLk;.
9.20 fhNrhiyfs;
%yk;
nra;ag;gLk;
nfhLg;gdTfSf;F
gp.g.
1.30
kzpapd;gpd;dh; itg;gPL nra;ag;gLk; fhNrhiyfs; mLj;JtUk; Ntiy
102
ehsd;W NjwYf;Fr; Nrfhpf;fg;gLk;. nray;Kiwg;gLj;JjYf;fhf jaTnra;J 2
ehl;fs; juTk;. mit $w;wpy; gjpag;gLk; ehsd;W nfhLg;gdT
nra;ag;gl;ljhff; fUjg;gLk;. tpupthd tpsf;fj;jpw;F cjhuzk; 9.29 [
ghf;fTk.;
9.21 ml;il itj;jpUg;gtuhy; nra;ag;gLk; midj;Jf; nfhLg;gdTfSk; ml;ilf;
fzf;fpy; gl;baypLk; ehzaj;jpy; Nkw;nfhs;sg;gl Ntz;Lk;. NtW ve;j
ehzaj;jpyhtJ nfhLg;gdT nra;ag;gbd; me;j ehzaj;ij tpiyg;
gl;baypy; Fwpg;gplg;gl;l ehzaj;jpw;F khw;Wtjw;fhd midj;J ehza
nryhtzpf;
fl;lzq;fs;> juF kw;Wk; Vida mwtPLfs; my;yJ
,og;GfSf;fhd fl;lzq;fs; my;yJ tq;fpf;F mwtplg;gLk; my;yJ
tq;fpahy; cwg;gLk;
nryTfs; vd;gtw;iw
ml;il itj;jpUg;gth;
tq;fpf;F nrYj;j Ntz;Lk;.
ml;ilf; fzf;fpy; ,jw;fhd gjpit
Nkw;nfhs;Sk; jpfjpad;W tq;fpahy; Kbthfj; jPHkhdpf;fg;gLk; mj;jifa
nryhtzp tPjj;jpy; me;j ehzakhw;W eltbf;if gaDWj;jg;gLk;.
fzf;F itj;jpUg;gtuhy; fld; ml;ilf; fzf;fpy; tpiyg; gl;baypYs;s
ehzaj;jpy; Nkw;nfhs;sg;gLk; VNjDk; nfhLg;gdT mJ> me;j ml;ilf;
fzf;fpy; epjpfis tq;fp gjpAk; jpfjpad;Nw mj;njhif mf;fzf;fpy;
tuT itf;fg;gLk;. tpiyg;gl;baypy; Fwpg;gplg;gLk; ehza Kiw my;yhj
NtW ehzaj;jpy; Nkw;nfhs;sg;gLkplj;J nfhLg;gdTfs; gl;baypy;
Fwpg;gplg;gLk; ehza Kiwf;F khw;wg;gl;l my;yJ mjw;fhd ngWkjp
tq;fpahy; ngw;Wf;nfhs;sg;gl;L ml;ilf; fzf;fpy; gjpag;gl;l kW
jpfjpad;Nw me;jf; nfhLg;gdT tuT itf;fg;gLk;.
9.22 fzf;Ff; $w;W fpilf;fg; ngwhikahdJ> tUkjpfis chpa Neuj;jpy;
nrYj;jhky; ,Ug;gjw;Fg; Nghjpa fhuzkhf mika khl;lhJ. vjph;ghuhj
#o;epiyfs; kw;Wk; tq;fpapd; fl;Lg;ghl;Lf;F mg;ghw;gl;l #o;epiyfs;
fhuzkhf> fzf;Ff; $w;W fpilf;fhikf;F tq;fpiag; nghWg;ghf;f
KbahJ.
9.23 ml;il itj;jpUg;gth; gazk; nra;Ak; NghJ my;yJ efUf;F ntspNa
,Uf;Fk;nghOJ Fiwe;jgl;r epYitj; njhif tUkjpahd jpfjpad;W
my;yJ mjw;F Kd;dh; tq;fpf;Fr; nrYj;jg;gLtjw;fhd Vw;ghLfisr;
nra;tJ fld; ml;il itj;jpUg;ghpd; nghWg;ghFk;. fld; ml;il
itj;jpUg;gh; xU khjfhyj;jpw;Fk; mjpfkhf ,yq;iff;F ntspNa
jq;fpapUf;f Ntz;ba epiyapy; ml;ilf; fzf;ifj; jPHg;gjw;F njspthd>
Fwpj;Jiuf;fg;gl;l mwpTWj;Jjy;fis tpl;Litf;f Ntz;Lk;. ,e;j
cld;gbf;ifapd;
Vida
Vw;ghLfSf;Fg;
gq;fkpd;wp
mj;jifa
mwpTWj;Jjy;fis
mth; gazj;ij Nkw;nfhs;jw;F Kd;dh; tq;fpapd;
fld; ml;il ikaj;jpw;F mwptpf;f Ntz;Lk;..
9.24 Kiwahfg; toq;fg;gl;l tuT rhh;e;j cWjpr;rPl;L/mwpTWj;Jjy; nfhs;Sk;
tq;fpapd; mq;fj;Jt jhgdj;jplkpUe;J ngwg;gl;ljd;kPJ khj;jpuNk tq;fp
VNjDk; kPsspg;Gj; njhifia ml;il itj;jpUg;gthpd ml;ilf; fzf;fpy;
tuTitf;Fk;.
9.25 VNjDk; fzf;Ff; $w;W njhlHgpy;; ml;il itj;jpUg;gh; tq;fpf;Fr;
nrYj;Jk; nfhLg;gdthdJ fzf;Ff; $w;wpy; fhl;lg;gl;l gjpTfs; ml;il
itj;jpUg;gtuhy; Vw;Wf;nfhs;sg;gl;ljw;F gpzpf;fpd;wJk;
KbghdJkhd
rhd;whf mikjy; Ntz;Lk;.
9.26 fld; ml;il itj;jpUg;gthpd; ,wg;G> fldpWf;f tifaw;Wg; Nghjy;>
mthpd; tpahghuk; xLf;fg;gLjy; vd;gd epfOk; NghJ> mtuJ ml;ilf;
103
fzf;fpYs;s nkhj;j epYitfSk; ml;il itj;jpUg;;gtuhy;> mtuJ
gpd;DWgth;fshy;
my;yJ
rhl;Ljy;
ngWeh;fshy;
Kw;whf
nrYj;jg;glw;ghyjhy; Ntz;Lk;. ml;il itj;jpUg;gth; ,wf;Fk; Neuj;jpy;
my;yJ
epue;jukhdJk;
KOikahdJkhd
mq;ftPdj;jpw;F
cs;shFk;gl;rj;jpy;
mth;
Safetynet
fhg;GWjpg;
gj;jpuj;jpw;F
Nrh;f;fg;gl;bUg;ghuhapd;
epYitapYs;s njhif
fhg;GWjpapd; Clhf
ngw;Wf;nfhs;sg;gLk;. (Safetynet KOikahd/epue;ju mq;ftPdk; my;yJ
,aw;if my;yJ tpgj;jpdhy; ,wg;G Vw;gLk;gl;rj;jpy; epYitahfTs;s
nkhj;jg; gzj;jpw;Fk; fhg;gPL nra;Ak; xU fhg;GWjpj; jpl;lkhFk;. ,e;jf;
fhg;GWjpj; jpl;lk; me;je;j fhg;GWjp toq;Fehpd; epajp; epge;jidfshy;
Msg;gLfpd;wJ)
9.27 nfhLg;gdTj; jPHit ikaq;fspy; Nkw;nfhs;sg;gLk; nfhLg;gdTfs;>
tq;fpahy; ngw;Wf;nfhs;sg;glhjjhy; ml;il itj;jpUg;gthpd; fzf;fpy;
tuT itf;fg;gLtjpy; Vw;gLk; jhkjj;jpw;F tq;fp nghWg;ghf khl;lhJ.
mj;jifa nfhLg;gdTfs; kPJ tq;fpapd; jw;Wzpghy; tq;fp fhyj;jpw;Ff;
fhyk; jPHkhdpf;Fk; mj;;jifa fl;lzj;ij my;yJ fl;lzq;fis tq;fp
mwtpLk;.
9.28 ml;ilf; fzf;F njhlHgpy; toq;fg;gLk; xt;nthU fzf;Ff; $w;iwAk;
ml;il itj;jpUg;gth; ghpNrhjid nra;a Ntz;Lk;. VNjDk; gpio/gpzf;F
,Ug;gpd; mJ Fwpj;J fzf;Ff; $w;Wj; jpfjpapypUe;J Kg;gJ (30)
ehl;fSf;Fs; tq;fpf;F vOj;J %yk; mwptpj;jy; Ntz;Lk;. me;jf;
fhyg;gFjpf;Fg; gpd;dh; fzf;Ff; $w;Wk; mjpYs;s gjpTfSk; (mt;thW
mwptpf;fg;gl;;lJk; rhh;j;Jiuf;fg;gl;lJkhd VjhtJ gpiofs; ,Ug;gpd;
jtpu) tq;fpf;Fk; fld; ml;il itj;jpUg;gtUf;Fk; ,ilapy; rhpahdnjd
Kbthdjhff; fUjg;gLk;. midj;J fzf;Ff; $w;Wf;fSk; ml;il
itj;jpUg;gtuhy; tq;fpf;F vOj;J %yk; mwptpf;fg;gl;l mtuJ filrp
tpyhrj;jpw;F rhjhuz jghy; %yk; mDg;gp itf;fg;gLk;. mj;Jld;>
vOgj;jpuz;L (72) kzpj;jpahyq;fspy; mJ ngw;Wf;nfhs;sg;gl;ljhff;
fUjg;gLk;. tq;fp tprhuizfis Nkw;nfhs;tjw;F cjtpahf gpd;tUk;
jfty;fis ePq;fs; toq;f Ntz;Lk;: cq;fs; ngah; kw;Wk; fld; ml;il
,yf;fk;> gpur;rpidf;Fhpa nfhLf;fy; thq;fy; gw;wpa tpguq;fs; kw;Wk;
re;Njfpf;fg;gLk; gpioAld; njhlh;Ggl;l njhif (jaTnra;J gpzf;Ffs;
kw;Wk; jPHTfs; njhlHghf 15Mk; thrfj;ijg; ghHf;fTk;)
9.29 fld; ml;ilf; nfhLg;gdT KiwfSk; Fwpf;fg;gl;l NeuKk;
(Ntiy ehl;fs;)
nfhLg;gdT Kiw
nfhLg;gdT nra;a Ntz;ba filrp Neuk; gp.g
];lhd;lh;l;
rhHl;ll;
tq;fpf;fpisfspYs;s fhR
,Lk; ngl;bfs;
yq;fh
ngy;
tpw;gidf;
$lq;fs;
(fhRf;
nfhLg;gdTfs; kl;Lk;)
ve;jnthU
nfhkh;\~y;
Ngq;f; fpis
Mh;gpf;Nfh Rg;gh;
nrd;wh;
kw;Wk; Rg;gh; ];Nlhh;fs;
fPy;]; Rgh;
Ne\d];;
bu];l;
Ngq;f;
(fz;b fpis)
3.00 kzp
gp.g 3.00 kzp
gp.g 3.00 kzp
gp.g 3.00 kzp
gp.g 3.00 kzp
gp.g 3.00 kzp
104
I - Ngq;fpq;
njhiyNgrp %y
tq;fpr;
Nrit
fhNrhiyia jghyply;
njhlh; ,izg;G (Online)
gad;ghl;L trjp nfhLg;gdT - ez;gfy; 12.00
kzp ifkhw;wq;fs;; gp.g 3.00 kzp
gp.g 1.30 f;F gpd;dh; itg;Gr; nra;ag;gLk;
fhNrhiyfs; jPHitf;fhf mLj;j Ntiy ehspd;
NghJ Nrfhpf;fg;gLk;;. nfhLg;gdTfs; jghy;
%yk; Nkw;nfhs;sg;gl;lhy; ,e;jf; nfhLg;gdT
cq;fs; fzf;fpy; Nrh;tjw;F 2 Kjy; 6
ehl;fis mDkjpf;fTk;. nfhLg;gdT mQ;ry;
Clhf
nra;ag;gbd;
mjd;
gpd;dh;
nray;Kiwf;F;
NkYk;
,U
jpdq;fis
mDkjpf;fTk;.
njhlh; ,izg;G (Online)
ATM ifkhw;wq;fs;
cs;sff; fzf;Ff; ifkhw;wq;fs; gp.g 3.00
];lhd;lh;l; rhHl;ll; tq;fpf; kzp> cs;sf Ke;Jhpik tq;fp Kiw fzf;Ff;
fzf;fpypUe;J ifkhw;Wjy; ifkhw;wq;fs; - gp.g 3.30>
10. epajpr;rl;l Kiwahd xOq;F tpjpfs;
10.1 ml;ilapd;
ghtidahy;
ghjpg;ig
Vw;gLj;jf;$baJk;
mj;jifa
xOq;FtpjpfSld;
,zq;fpnahOfhikapd;
tpisthf
tq;fpf;F
Vw;glf;$baJkhd
,og;G>
chpikf;Nfhhpf;if
my;yJ
nryTfs;
vd;gtw;iw
el;Nlhj;juthjk;
nra;tjw;F
nryhtzpf;
fl;Lg;ghl;Lj;
jpizf;fsk; my;yJ mjidnahj;j
xOq;FgLj;Jk; mjpfhurig
fhyj;jpw;Ff; fhyk; toq;Fk;
midj;J xOq;F tpjpfSlDk;
,zq;fpnahOFtjw;F fld; ml;il itj;jpUg;gth; cld;gLfpd;whh;.
10.2 ml;il itj;jpUg;gth; %yjd nfhLf;fy;thq;fy;fSf;Fk;> ,yq;iff;F
ntspNa
tHj;jf
hPjpapy;
Efh;Tg;
nghUl;fisf;
nfhs;tdT
nra;aTk;/,wf;Fkjp nra;aTk; jkJ ml;iliag; gad;gLj;JjyhfhJ.
10.3 ,e;j ml;ilapd; ghtid ,yj;jpudpay; epjpf; ifkhw;wj;ij (EFT)
my;yJ ATM nghwpapypUe;J ntspehl;L ehzaj;jpy; gzk; kPsg;ngwjiy
mtrpag;gLj;Jk; gl;rj;jpy; mJ nryhtzpf; fl;Lg;ghl;Lj; jpizf;fsj;jpdhy;
fhyj;jpw;Ff; fhyk; toq;fg;gLk; xOq;FtpjpfSf;F mike;jjhf ,Uf;Fk;
vd;gJld; mJ mjpfhuk; mspf;fg;gl;l Nehf;fq;fSf;F khj;jpuNk.
10.4 ml;il itj;jpUg;gth; ehl;iltpl;Lr; nry;Yk;gl;rj;jpy; my;yJ ntspehl;L
Ntiy
tha;g;gpw;fhf
,yq;ifia
tpl;Lr;nry;Yk;gl;rj;jpy;
my;yJ
fhyj;Jf;Ff;fhyk; tYtpypUf;Fk; nryhtzpf; fl;Lg;ghl;L xOq;Ftpjpfspd;
tiutpyf;;fzj;jpd;gb “tjptw;wth;” vdf; fUjg;gLk;gl;rj;jpy; ml;il
itj;jpUg;gth; ml;ilia(ml;ilfis) tq;fpaplk; xg;gilj;jy; Ntz;Lk;.
10.5 nryhtzpf; fl;Lg;ghl;ljpfhhp my;yJ NtW vtNuDk; xOq;FgLj;Jk;
mjpfhhpfs; fhyj;Jf;Ff; fhyk tpjpj;Jiuf;ff;$bathwhd Njitg;ghLfSld;
tq;fp ,zqfpnahOFk;. mj;Jld; ,yq;ifr; rdehaf Nrhryprf; Fbaurpd;
mg;Nghija
tpjpfspdJk;
xOq;FtpjpfspdJk;fPo;
mj;jifa
nfhLf;fy;thq;fy;fis ,iaghd mjpfhhpfSf;F ntsptpLk;.
105
10.6 nryhtzpf;
fl;Lg;ghl;L
xOq;Ftpjpfs;
my;yJ
mj;jifa
,y;yhnjhopj;jypd; Neuj;jpy; tYtpYs;s NtW vitNaDk; epajpr;rl;l
xOq;ftpjpfs; kPwg;gl;Ls;sd vd ek;Gtjw;F tq;fpf;F vj;jd;ikaJkhd
VNjDk; fhuzk; ,Uf;Fk;gl;rj;jpy; ml;il itj;jpUg;gtUf;F mwptpj;jy;
vJTkpd;wp
tq;fp
mjd;
nrhe;j
crpjj;jpd;gb
ml;ilia
,y;yhnjhopf;fyhk;.
10.7 ,yq;ifr; rl;lj;jpd;fPo; jtnwhd;whff; fUjg;gLk; rl;ltpNuhjkhd nraw;ghL
vjw;Fk; ml;il gad;gLj;jg;gLjyhfhJ. ml;il itj;jpUg;gth; vtUk;
fld;
ml;ilia
mj;jifa
rl;ltpNuhkhd
nraw;ghl;bw;Fg;
gad;gLj;jpAs;shh; vdf; fhzg;gbd; ml;il trjpia cldbahf
KbTWj;jp mj;jifa nfhLf;fy; thq;fy; gw;wpa tptuq;fis ,yq;if
kj;jpa tq;fpf;F mwptpf;Fk; chpikia tq;fp nfhz;Ls;sJ.
11. ml;il> PIN kw;Wk; TIN vd;gtw;iw ,oj;jy;
11.1 ve;jnthU ATM nghwpapYk;; ghtpg;gjw;fhf ml;il itj;jpUg;gUf;F tq;fp
ml;ilia
Vw;Wf;nfhs;Sk;
PIN
,yf;fj;ij
toq;Fk;.
ml;il
itj;jpUg;gthpd; nrhe;jg; nghWg;gpy; ml;il gjpTj; jghypy; my;yJ
xg;gilj; J}th; %yk; mDg;gp itf;fg;glyhk; vd;gjw;F ml;il
itj;jpUg;gth; cld;gLfpd;whh;.
11.2 tq;fpapd; IVR nghwpfspy;; ghtpg;gjw;fhf fld; ml;il itj;jpUg;gUf;F
tq;fp TIN ,yf;fk; xd;iw toq;Fk;. ml;il gjpTj; jghypy; my;yJ
xg;gilj; J}th; %yk; mDg;gp itf;fg;glyhk; vd;gjw;F ml;il
itj;jpUg;gth; cld;gLfpd;whh;.
11.3 fld; ml;il itj;jpUg;gtUf;Fj; njhpe;Njh njhpahkNyh PIN kw;Wk; TIN
%yk; Nkw;nfhs;sg;gLk; vy;yh ml;ilf; nfhLf;fy; thq;fy;fSf;Fk; fld;
ml;il itj;jpUg;gth; Kw;wpYk; nghWg;ghspahjy; Ntz;Lk;.
11.4 fld; ml;il itj;jpUg;gth; fld; ml;il fhzhky; Nghtij my;yJ
jpUlg;gLtijj; jLg;gjw;fhd midj;J Kw;ghJfhg;G eltbf;iffisAk;
Nkw;nfhs;s Ntz;Lk;. ve;jnthU %d;whk; jpwj;jtUf;Fk;; PIN kw;Wk; TIN
,yf;fq;fis ntsptpLjyhfhJ.
11.5 ml;il fhzhky; NghFk;;> fsTNghFk; my;yJ PIN/TIN ,yf;fk; NtnwhU
jpwj;jtUf;F ntsptplg;gLk;gl;rj;jpy;
ml;il itj;jpUg;gth; Fwpj;j
itj;jpUg;gth; fhzhkw;Nghdik> fsT Nghdik my;yJ PIN/TIN ,yf;fk;
ntsptplg;gl;lik gw;wp tq;fpf;Fk; fhzhkw;Nghdik> fsT Nghdik
my;yJ PIN/TIN ,yf;fk; ntsptplg;gl;lik ve;j ehl;by; epfo;e;jNjh mej
ehl;bd; nghyPRf;Fk;; cldbahf mwptpj;jy; Ntz;Lk;.
11.6 ml;il fhzhky;Nghdik/fsTNghdik gw;wp njhpate;jJk;> ml;il
itj;jpUg;gth; cldbahf njhiyNgrp> njhiyefy; my;yJ nlyf;];
%yk;; tq;fpf;Fk; vOj;J%yk; nghyPRf;Fk; (my;yJ ntspehL Mapd;> tPrh
my;yJ kh];lh; fhHl; mq;fj;jth; vtUf;Fk;;) mwptpj;jy; Ntz;Lk;.
njhiyNgrp> njhiyefy; my;yJ nlyf;]; %yk; Nkw;nfhs;sg;gLk;
mj;;jifa mwptpj;jy;fs; clNd fld; ml;il itj;jpUg;gthpd; my;yJ
mtuJ
ml;Nlhh;dp
jj;Jtf;fhuhpd;
ifnahg;gj;Jld;
vOj;J%yk;
cWjpg;gLj;jg;gl Ntz;Lk;.
106
11.7 ml;il fhzhky; Nghdik my;yJ fsT Nghdik tq;fpf;F mwptpj;J
gpd;dh; mJ vOj;J%yk; cWjpg;gLj;jg;gLk;tiu; ml;ilapd; mjpfhukw;w
ghtidapd; tpisthf fzf;fpy; gw;W itf;fg;gl;l njhiff;F ml;il
itj;jpUg;gtNu; nghWg;ghjy; Ntz;Lk;.
11.8 fld; ml;ilapy; ,og;G> fsT my;yJ Kiwaw;w ghtid njhlh;ghf jd;
trk; ,Uf;Fk; midj;Jj; jfty;fisAk; ml;il itj;jpUg;gth; tq;fpf;F
toq;f Ntz;Lk;. fhzhkw;Nghd/fsTNghd fld; ml;ilia kPsg;ngw
cjTtjw;F
mtrpakhdJ
vd
tq;fpahy;
fUjg;gLk;
vy;yh
eltbf;iffisAk; mth; Nkw;nfhs;s Ntz;Lk;.
11.9 ml;il
itj;jpUg;gtUf;Fj;
njhpe;Njh>
njhpahkNyh>
mtuhy;
mjpfhukspf;fg;gl;Nlh>
mjpfhukspf;fg;glhkNyh
vtNuDk;
Mspdhy;
ml;iliag;
gad;gLj;jp
ml;ilf;
nfhLf;fy;
thq;fy;fs;
%yk;
tzpfh;fshy;
toq;fg;gLk;
nghUl;fs;
my;yJ
Nritfisg;
ngw;Wf;nfhz;ljd; tpisthf myyJ> gz Kw;nfhLg;gdTfs; my;yJ
ATM kw;Wk; njhiyNgrp tq;fp Kiw. i-Ngq;fpq; my;yJ SMS nfhLf;fy;
thq;fy;fs; %ykhf ml;ilf; fzf;fpw;F gw;W itf;fg;gl;l njhifia
tq;fpf;Fr; nrYj;Jtjw;F fld; ml;il itj;jpUg;gth; KOikahd
nghWg;Gilatuhf ,Ug;ghH.
11.10 tq;fp mjd; Vf jw;Wzpgpd;Nghpy; nghUj;jkhdnjd mJ fUJk; epajp;
epge;jidfs; kPJ fhzhkw;Nghd my;yJ fsTNghd
ml;ilf;Fg;
gjpyPnlhd;iw my;yJ Gjpa PIN / TIN ,yf;fj;ij toq;fyhk;.
11.11 fhzhkw;Nghd my;yJ fsTNghd ml;ilia> fld; ml;il itj;jpUg;gth;
jpUk;gg; ngWk; gl;rj;jpy; mt;tl;iliag; ghtpf;fhJ mjidg; ghjpahf
ntl;b tq;fpaplk; cldbahff; ifaspf;f Ntz;Lk;. kw;WnkhUtUf;F PIN
kw;Wk; TIN ,yf;fq;fs; NtW vtNuDk; jpwj;jtUf;F ntsptplg;gl;ik
gw;wp
tq;fpf;F
mwptpj;jgpd;dh;
ml;ilia
itj;jpUg;gth;
mt;tpyf;fq;fisg; gad;gLj;JjyhfhJ.
11.12 fhzhkw;Nghd ml;ilfspd; tplaj;jpy; tzpf tiyg;gpd;dYf;F mwptpg;gJ
kw;Wk; Gjpa ml;ilia tpepNahfpg;gJ vd;gd njhlHghd eph;thfr;
nryTfis <L nra;tjw;fhf tq;fp fl;lzk; xd;iw mwtpLk;.
12. Nrit
12.1 ];lhd;lh;l; rhHl;ll; tq;fpapd; Nritfs; ATM/IVR njhiyNgrp tq;fpKiw
tiyg;gpd;dy;> i-Ngq;fpq;> SMS Ngq;fpq; my;yJ tq;fpahy; jhgpf;fg;gl;l
NtW vNjDk; topKiw Clhf toq;fg;gLk;.
12.2 ml;il itj;jpUg;gth; ATM/IVR njhiyNgrp tq;fpKiw tiyg;gpd;dy;
my;yJ tq;fpapy; epWtg;gl;l NtW VjhtJ topKiwfs; Clhf
Nritiag; ngw;Wf;nfhs;tjw;F tq;fp PIN/TIN ,yf;fk; xd;iw toq;yhk;;.
12.3 24 kzp NeuKk; jd;dpaf;fkhfr; nraw;gLk; njhiyNgrp tq;fp Kiwikia
mZFtjw;F
TIN
,yf;fj;jpd;
ghtid
nra;tJ
,e;j
epajp
epge;jidfis Vw;Wf;nfhz;ljhfg; nghUs; nfhs;sg;gLk;.
12.4 24 kzp NeuKk; jd;dpaf;fkhfr; nraw;gLk; njhiyNgrp tq;fp Kiwikia
ml;il
itj;jpUg;gth;
ghtpg;;ghuhapd;
ml;il
itj;jpUg;gtuhy;
njhptpf;fg;gl;l ve;jnthU jftYk; nry;Ygbahdjhff; fUjg;gLtJld;
107
tq;fp mj;jftypd; kPJ nraw;glyhk;. MapDk;
fld; ml;il
itj;jpUg;gth; mtUf;Ff; Fwpj;njhJf;fg;gl;l njhiyNgrp milahs
,yf;fj;jpd; Clhf jk;ik milahsk; fhl;Ljy; Ntz;Lk;. ml;il
itj;jpUg;gth; mth;; rhHgpy; NtW vtUk; ,e;j trjpiag; ghtpg;gjw;F
mDkjpj;jyhfhJ.
12.5 NritahdJ> fld; ml;il itj;jpUg;gthpd; Ntz;LNfhspd; NghpYk;>
mthpd; ,lh; kPJk; mj;Jld; njhiyNgrp Clhf TIN ,yf;fj;jpd; %yk;
my;yJ NtW topapy; mth; jk;ik milahsg;gLj;jpf; nfhs;tjd; kPJk;
(tq;fp Njitg;gLj;Jk; jdpg;gl;l tptuq;fis toq;ftjd %yk;)
toq;fg;gLk; vd;gjw;F cld;gLfpd;whh;.
tq;fp miog;G tpLj;jtiu
milahsk; fhz;gjw;F ,J NghJkhdjhFk;. ,jd; %yk; ml;il
itj;;jpUg;gtUk; tq;fpAk;
(m) Gjpa PIN/TIN ,yf;fj;ij my;yJ khw;wPL nra;ag;gl;l PIN/TIN
,yf;fjijg; gw;wp njhiyNgrp %yk; njhlh;G nfhs;syhk;.
(M) gad;ghl;L
Nritf;
fl;lzq;fisr;
nrYj;JkhW
miog;ig
tpLj;jtuhy;
tq;fpf;F
toq;fg;gl;l
tptuq;fspd;gb
ml;il
itj;jpUg;gthpd; ml;ilf; fzf;fpy; gw;W itf;fyhk;. mj;jifa
mwpTWj;JjyhdJ ml;il itj;jpUg;gth; ,e;j epajp epge;jidfshy;
gpzpf;fg;gLtjw;F cld;gLfpd;whh; vd;gjw;F gpzpf;fpd;wJk; KbthdJkhd rhd;whjy;Ntz;Lk;.
12.6 tpiyg;gl;bay;
nfhLg;gdT
trjpfs;
gbtj;jpy;
fhl;lg;gl;l
tpguq;fSf;fpzq;f ml;il itj;jpUg;gth; njhiyNgrp Clhf tq;fpf;F
mwpTWj;;Jtjw;fpzq;f njhiyNgrp> kpd;rhuk; kw;Wk; ePH gad;ghl;L
NritfSf;fhd tpiygl;bay;fspd; fl;lzq;fisr; nrYj;JtJ cl;gl
Mdhy;
mjw;F
kl;LNk
kl;Lg;gLj;jg;glhky;
fld;
ml;il
gad;gLj;jg;glyhk;.
12.7 ,e;j tpiyg; gl;bay;fisr; nrYj;jpj; jPHg;gjw;F fld; ml;il
fzf;fpYs;s epjpfis tq;fp khw;wk; nra;tjpy; ,iltUeuhf kl;LNk
tq;fp nraw;gLk;.
tpiy; gl;bay;fspd; nrk;ik njhlh;gpy; my;yJ
gad;ghl;L
Nritfspd;
nrk;ik
gw;wpa
VNjDkPsg;
ngw;why;>
,y;yhnjhopj;jhy;> khw;wpdhy; my;yJ jpUj;jpdhy; tq;fp
vjph;tpid
nra;akhl;lhJ vd;gJld; gpzf;fpw;F xU jpwj;jtuhfTk;khl;lhJ. mj;Jld;>
fld; ml;il itj;jpUg;gtUf;Ff; fpilf;ff;$ba ed;ikfis tq;fp mjd;
jw;Wzpgpd;gb khw;Wtjw;fhd chpikiaAk;nfhz;Ls;sJ.
12.8 nrhy;yg;gl;l tpiyg;gl;bay;fs; njhlh;gpy;; kpjkpQ;rpa> NghJkhdjy;yhj>
jhkjkhd my;yJ jtwhd nfhLg;gdTfisr; nra;jy; my;yJ mjd;
VNjDk; tpisT Nritfis KbTWj;jy; my;yJ Jz;bj;jy; my;yJ
NtW VjhtJ ,og;G> Nrjk;> chpikf;Nfhhpf;iffs; my;yJ tq;fpahy;
toq;fg;gLk; ,e;j Nritapd; Clhf mj;jifa tpiyg;gl;baYf;F
nrYj;jg;gLk; nfhLg;gdTfspd; tpisthf vOk; tof;F eltbfiffs;
(cs;spl;lJk; ,tw;Wf;F kl;Lk; tiuaWf;fg;glhky;)
vd;gd njhlHgpy;
tq;fp vt;tpj nghWg;igAk; Vw;f khl;lhJ vd;gJld; ml;il itj;jpUg;gth;
,j;jifa nghWg;gpy; ,Ue;J mopf;f KbahjthW tq;fpia ,j;jhy;
tpLtpf;fpd;whH.
Fwpg;ghf
Kw;Nghe;jitia
xj;jitahapDk;rhp
my;yhtpbDk;rhp ml;il/TIN/PIN vd;gtw;wpd; jtwhd ghtid> ATM
nghwpapd; gOJw;w nraw;ghL vd;gtw;wpypUe;njOk; nghWg;ig tq;fp
Vw;fkhl;lhJ.
108
12.9 gad;ghl;L Nritg; ghtidahshpd;; ,yf;fq;fspy; Vw;gLk; vitNaDk;
khw;wq;fs; gw;wp vOj;J%yk; my;yJ njhiyNgrp %yk; tq;fpf;F
mwptpf;f fld; ml;il itj;jpUg;gth; cld;gLfpd;whh;.
12.10 fld; ml;il itj;jpUg;gth; rhHgpy; nfhLg;gdTfis Nkw;nfhs;tjw;F
tq;fp Vw;ghLfs; nra;jpUf;Fk; gad;ghl;L Nritfs; njhlh;gpy;; kl;LNk
tq;fpapd; Nrit fpilf;Fk; vd;gij fld; ml;il itj;jpUg;gth;
Vw;Wf;nfhs;fpd;whH.
12.11 Nritapd; %ykhf nray;Kiwg;gLj;Jk; nfhLf;fy; thq;fy; gw;wpa
tq;fpapd; gjpTfs; ,WjpahdJk;> gpzpf;fpd;wjhjYkhFk;
vd;gjw;Fk;
Nritiag; gad;gLj;jp
Nkw;nfhs;sg;gLk; nfhLf;fy; thq;fy;fspd;
nry;YgbahFk;
jd;ikiag;
gw;wp
ve;jtpjj;jpYk;
Kuz;glkhl;lhh;
vd;gjw;Fk; ml;il itj;jpUg;gth; ,j;jhy; rk;kjpf;fpd;whh;.
12.12 njhiyNgrp miog;Gf;fis tq;fp gjpT nra;tjw;F fld; ml;il
itj;jpUg;gth; jdJ rk;kjj;ijj; njhptpg;gJld;> ePjpkd;wj;jpy; my;yJ
VjhtJ rl;l eltbf;iffspd; NghJ ,e;j xypg;gjpTfis tq;fp xU
rhd;whf gad;gLj;jyhk; vd;gjidAk; Vw;Wf;nfhs;fpd;whH.
12.13 gad;ghl;L; NritfSf;fhd nfhLg;gdTfis tq;fpr; Nrit Clhf
Nkw;nfhs;Sk;
NghJ>
mt;thW
nfhLg;gdit
Nkw;nfhs;tjw;fhd
mwptpj;jy; tq;fpf;F fpilj;j ehspy; ,Ue;J %d;W Ntiy ehl;fs; vLf;Fk;;
vd;gij fld; ml;il itj;jpUg;gth; Vw;Wf;nfhs;fpwhH. mj;Jld;> ,e;j
,ilf; fhyj;jpy; gad;ghl;L Nritfis toq;FNthuhy; mr;Nritfs;
Jz;bf;fg;gl;lhy;> my;yJ njhluWf;fg;gl;lhy; mjw;F tq;fp vt;tpjj;jpYk;
nghWg;ghfhJ vd;gjw;Fk; mth; cld;gLfpd;whh;.
12.14 gad;ghl;L Nritfs; Jz;bf;fg;gLtijj; jtph;g;gjw;F mtw;wpw;fhd
nfhLg;gdT
tUkjpahFk;
jpdj;jpw;Ff;
Fiwe;jgl;rk;
%d;W
ehl;fSf;FKd;dh; mtuJ tpiyg; gl;bay;fisr; nrYj;JkhW mtuJ
eyd;fUjp mtUf;F mwpTWj;jg;gl;lij fld; ml;il itj;jpUg;gth;
Vw;Wf;nfhs;fpwhH;.
12.15 gad;ghl;L
Nrit
Jz;bf;fg;gl;ljd;
my;yJ
njhluWf;fg;gl;jd;
tpisthf fld; ml;il itj;jpUg;gtUf;F Vw;gLk; vitNaDk; nryTfs;
my;yJ
nrytpdq;fs;
(,it
cl;gl;lJk;
,tw;wpw;F
kl;Lk;
tiuaWf;fg;glhjJk;) kw;Wk; cwg;glf;$ba kPs; ,izg;Gf; fl;lzq;fs;
vd;gd njhlHgpy; tq;fpf;F ve;jtpj nghWg;Gk; ,y;iy vd;gij fld;
ml;il itj;jpUg;gth; Vw;Wf;nfhs;fpwhH.
12.16 fld; ml;il itj;jpUg;gtuhy; ATM/IVR njhiyNgrp tq;fpj;njhopy;;
my;yJ tq;fpahy; VwWf;nfhs;sg;gl;l NtW VjhtJ topKiwfs; Clhf
njhptpf;fg;gl;l gzpg;Giufs; nryYgbahdnjdf; fUjg;gLk; vd;gJld;
tq;fp mjd;kPJ nraw;glyhk; vd;gJld;> mj;jifa mwpTWj;Jjy;fs;
njhlHghd
gjpTfis
ePjpkd;wnkhd;wpy;;
my;yJ
NtW
tof;F
eltbf;iffspy; rhd;whfTk; gad;gLj;jyhk;.
12.17 Nritfs; toq;fg;glhikf;F> my;yJ fld; ml;il itj;jpUg;gtuhy;
toq;fg;gLk;
mwpTWj;jy;fis
KOikahf
my;yJ
gFjpastpy;
epiwNtw;whikf;F tq;fp nghWg;ghfkhl;lhJ vd;gjw;F fld; ml;il
itj;jpUg;gth; cld;gLtJld; Vw;Wk;;nfhs;fpd;whH. mj;Jld; tq;fpapd;
mgpg;gpuhag;gb njsptpy;yhj my;yJ nry;Ygbaw;w my;yJ
109
tpsf;fkpy;yhj
mwpTWj;Jy;fs;
epiwNtw;wg;gLtjpyhd
VNjDk;
jhkjj;jpw;F my;yJ mit epiwNtw;wg;glhikf;F tq;fp nghWg;gy;y
vd;gjw;F
ml;il
itj;jpUg;gth;
cld;gLtJld;
mjid
Vw;Wk;nfhs;fpd;whh;.
12.18 ghtidr; Nritf;fhd nfhLg;gdTfs; nra;ag;gl;likiaf; Fwpf;Fk;
gw;Wr;rPl;nlhd;iw fld; ml;il itj;jpUg;gtUf;F toq;Ftjw;F tq;fp
flg;ghL vjidAk; nfhz;bUf;fkhl;lhJ vd;gjw;F ml;il itj;jpUg;gth;
cld;gLfpw;dhh;.
12.19 mjpfhukspf;fg;glhj
Kiwapy;
Nrit
gad;gLj;jg;gLtij
jtpHg;gjw;F mtrpakhd
midj;JKw;ghJfhg;G
eltbf;iffisAk;
Nkw;nfhs;tjw;Fk;
TIN
,yf;fj;ij
my;yJ
NtW
jdpg;gl;l
tpguq;fisAk;
kw;wth;fSf;F
njhpag;gLj;jhjpUg;gjw;Fk;
ml;il
itj;jpUg;gth;
cld;gLfpd;whh;.
,e;j
epajp
epge;jidfSld;
,zq;fpnahOfj; jtwpaikf;fhd vy;yh vjph;kiw tpisTfisAk;
nghWg;igAk; jdpg;gl;l Kiwapy; Vw;Wf;nfhs;Sjy;Ntz;Lk;. Nritfspd;
mjpfhukspf;fg;glhj VNjDk; ghtid kw;Wk; mjd; vitNaDk;
tptuq;fis kw;wth;fSf;F ntsptpLjy; njhlHgpy; tq;fpf;F cldbahf
vOj;J %yk; my;yJ njhiyNgrp %yk; cWjpg;gLj;Jk;; nghWg;ig fld;
ml;il itj;jpUg;gth; Vw;fpd;whh;.
12.20 gad;ghl;L NritfSldhd fld; ml;il itj;jpUg;gthpd; fzf;fpy;
gpioahf gw;W my;yJ tuT itf;fg;gllLs;sJ vd tq;fp mjd;
jw;Wzpgpd;Nghpy; ek;Gkplj;J Nrit toq;FeUld; itj;jpUf;Fk; fzf;fpy;
gw;W/tuT itf;FkhW me;j toq;Feh;fSf;F mwpTWj;Jtjw;F fld;
ml;il itj;jpUg;gth; tq;fpf;F mjpfhukspf;fpd;whh;.
12.21 Nritiag; gad;gLj;jp ml;il itj;jpUg;gth; tq;fpf;F mwpTWj;Jk;
VNjDk; nfhLg;gditg; gjpTnra;tjpYk; gaDWj;JtjpYk; gad;ghl;L
Nritia toq;Fgthpd; jtwif> jhkjk; my;yJ gpio vjw;Fk; tq;fp
nghWg;ghspahf;fg;glkhl;lhJ
vd;gjid
ml;il
itj;jpUg;gth;
Vw;Wf;nfhs;tJld;
mjw;F
cld;gl;Lk;nfhs;fpd;whh;.
gad;ghl;L;
Nritf;fhd nfhLg;gdTf;F mjpfhukspg;gjw;F TIN/PIN/njhiyNgrp
tq;fp Kiw my;yJ NtW VjhtJ topKiwfs; fpilf;fhikf;F my;yJ
mtw;wpd; gOJw;w nraw;ghl;bw;F tq;fp nghWg;ghspahf;fg;glkhl;lhJ
vd;gijAk;
ml;il
itj;jpUg;gth;
Vw;Wf;nfhs;tJld;
cld;gl;Lf;nfhs;fpd;whh;.
12.22 VjhtJ Nritia toq;Ftjw;F jtWjy; my;yJ Nrit toq;Ftjpy;
Vw;gLk; jtW my;yJ jhkjk; my;yJ NtW ve;jf; fhuzq;fspd;
epkpj;jkhfTk;> fld; ml;il itj;jpUg;gth; kl;by; tq;fp nghWg;ghFk; vd
VNjDk; ePjpkd;wk; my;yJ tof;F eltbf;ifspy; fhzg;gbd;;> tq;fpf;F
cs;s mjpfgl;r nghWg;ghdJ> mr;Nritfis kPsg; ngw;Wf;nfhs;tjwFj;
Njitg;gLj;jg;gl;l
Fiwe;jgl;r
njhiff;F
kl;Lk;
tq;fp
tiuaWf;fg;gl;bUf;Fk;
vd;gjw;F
ml;il
itj;jpUg;gth;
,jjhy;
cld;gLfpd;whh;.
12.23 ml;il itj;jpUg;gth; me;je;j gad;ghl;L Nrit xt;nthd;Wf;Fk;
tUkjpahd
tpiyg;gl;baYf;F
jpul;ba
xU
nfhLg;gditr;
nrYj;jNtz;Lk;.
gad;ghl;L Nrit tpiyg; gl;baiy gFjpastpy;
nrYj;Jjypd;
my;yJ jhkjkhf nrYj;Jjypd; fhuzkhf Nritapd;
VNjDk; Jz;bg;gpw;F/njhluWjYf;F tq;fp nghWg;ghspahf khl;lhJ.
110
12.24 ,e;jr; Nritfs; kw;Wk; epajp kw;Wk; epge;jidfisg; gpd;gw;wp my;yJ
mit njhlh;gpy; nrYj;jg;gLk; midj;Jf; fl;lzq;fSk; mwtPlfSk;
kPsspf;fg;glkhl;lh.
12.25 Kiwikapd; my;yJ cgfuzj;jpd; nraypog;gpw;F my;yJ kpd;rhuk;
kw;Wk;
njhiyj;
njhlh;Gfs;
cl;gl
Mdhy;
mtw;wpf;F
kl;Lg;gLj;jg;glhky; tq;fp %d;whk; jpwj;jthpd; cw;gj;jpg; nghUl;fspy;
jq;fpapUj;jy; my;yJ xUth; xUthpy; jq;fpapUj;jy;> (juT ,of;fg;gLjy;
cl;gl Mdhy; mjw;F kl;Lg;gLj;jg;glhky;) Vw;wpf;$wg;glw;ghyjhd
fhuzq;fspdhy; Nritpy; jil my;yJ jlq;;fy; fhuzkhf Vw;gLk;
VNjDk; ,og;gpw;F my;yJ Nrjj;jpw;F tq;fp nghWg;ghspahf khl;lhJ
vd;gJld; mjid tq;fp nghWg;Ngw;fTk; khl;lhJ. nja;tr;nray;> fytuk;>
Fbapay; nfhe;jspg;G> fpsh;r;rp> Nghh; my;yJ mjd; fl;Lg;ghl;bw;F
mg;ghw;gl;l NtW VJf;fshy; my;yJ Ntiy epWj;jq;fs; my;yJ
fltilg;Gfs
vd;gtw;wpdhy;
mjd;
njhopypy;
jlq;fy;
Vw;gLtjpypUe;njOk; tpisTfSf;F tq;fp nghWg;ghspahf khl;lhJ
vd;gJld; mtw;iwg; nghWg;Ngw;fTk;khl;lhJ.
12.26 tq;fp mjd; jw;Wzpgpd; Nghpy; ,e;jr; Nritia NtWgLj;jyhk; my;yJ
,y;yhnjhopf;fyhk;.
12.27
cq;fs; fld; ml;il Nrjg;gLk;gl;rj;jpy; jaTnra;J tq;fpAld;
njhlh;Gnfhs;sTk;. tq;fp mjid khw;wPL nra;Ak;. vy;yh khw;wPLfSk;
khw;wPl;L ml;ilf; fl;lznkhd;wpw;F mikthdjhFk;. ,J fld; ml;ilj;
jPh;itapd; xU ghfkhFk;.
13.
ml;ilapd;
GJg;gpj;jy;
nry;YgbahFk;
jd;ik>
KbTWjy;
kw;Wk;
13.1 midj;Jf; fld; ml;ilfSk; xU tUl fhyj;jpw;F nry;Ygbahf
,Uf;Fk; tifapy; toq;fg;gLk;. tq;fp jdJ jw;Wzpgpd; Nghpy; xU
tUlj;jpw;Fk; Nkw;gl;l fhyg;gFjpf;F nry;YgbahFk; ml;ilfis
toq;fyhk;. ml;ilapy; Fwpg;gplg;gl;l KbTWk; jpfjpapy; ml;ilapd;
nry;YgbahFk jd;ik KbTWk;.
13.2 epajp; epge;jidfs; kPwg;gLifapy;; jtpu> tq;fp cq;fs; ml;ilapd;
(mj;Jld; Fiwepug;G/Nkyjpf ml;il itj;jpUg;gthpd;) fld; ml;ilapd;
nry;YgbahFk; jd;ikiaj; jhdhf GJg;gpj;J toikahf cq;fs;
jw;Nghija ml;il KbTWtjw;F 15 ehl;fSf;F Kd; cq;fSf;Fg; Gjpa
ml;ilnahd;iw mDg;gp itf;Fk;. tpjpj;Jiuf;fg;gl;l fhyj;jpw;Fs;
GJg;gpf;fg;gl;l ml;il(fs;) fpilf;fg;ngwhjgl;rj;jpy; jaTnra;J 2480480
vd;w ,yf;fj;jpy; vkJ ml;il epiyaj;Jld; njhlh;G nfhs;sTk;.
13.3 xU khjk; my;yJ mjw;F mjpfkhd fhyk; nfhLg;gdTfs; epYitahf
,y;yhj midj;J ml;ilfSk; jhdhfNt GJg;gpf;fg;gLk;. fld; ml;il
itj;jpUg;gth; mtuJ ml;ilia my;yJ VNjDk; Fiwepug;G ml;ilia
GJg;gpj;Jf;nfhs;s
tpUk;ghj
gl;rj;jpy;
,uz;L
khjq;fSf;FKd;
vOj;jpyhd mwptpj;jnyhd;W ml;il Nritf;F mDg;gg;gLjy;Ntz;Lk;.
ml;il KbTWk; jpfjpf;F ,U khj fhyj;;jpw;F Kd;djhfNth my;yJ
KbtWtjw;F Kd;duhd 30f;Fk;
Fiwthd ehl;;fs; ,Uf;Fk;NghNjh
mDg;gg;gLk; mwptpj;jy;fs; Vw;Wf;nfhs;sg;gl khl;lh. ,t;thwpy;yhtplj;J
GJg;gpj;jy;
fl;lznkhd;W
(GJg;gpf;fg;gLk;NghJ
Vw;Gilj;jhdthW)
mwtplg;gLk;. ,J kPsspf;fg;glkhl;lhJ.
111
13.4 ml;il itj;jpUg;gth; nry;YgbahFk; fhyg;gFjpf;Fg; gpd;dh; jkJ
ml;ilia ghtpg;gjw;F Kayf;$lhJ. nry;YgbahFk; fhyj;jpw;F mg;ghy;
fld; ml;iliag; ghtpf;f mth; Kaw;rpg;gjhy; Vw;gLk; ve;jnthU
tpistpw;Fk;
vj;jd;ikaJkhd
ve;jnthU
KiwapYk;
tq;fp
nghWg;ghspahfkhl;lhJ.
14.
tzpfh;fSld; ml;il itj;jpUg;gthpd; gpzf;Ffs;
14.1 VNjDk; tHj;jf epWtdk;> epjp epWtdk; vd;gtw;NwhL fld; ml;il
itj;jpUg;gtUf;F
Vw;gLk;
ve;jnthU
gpzf;ifAk;
my;yJ
mtUf;nfjpuhd
Kiwg;ghl;ilAk;
mth;
Neubahf
tHj;jf
epWtdj;Jld;/epjp epWtdj;Jld;
jPHj;Jf;nfhs;s Ntz;Lk;. VNjDk;
tHj;jf epWtdj;jplkpUe;J/epjp epWtdj;jplkpUe;J ePq;fs; my;yJ
Fiwepug;G/Nkyjpf; ml;il itj;jpUg;gth;; ngw;Wf;nfhs;Sk; vitNaDk;
nghUl;fspd; my;yJ NritfspdJk; juj;jpw;F my;yJ ngWkjpf;F
VNjDk; Kiwapy; tq;fp nghWg;ghspahfkhl;lhJ. xg;gilg;gjpyhd
jhkjk;> xg;gilf;fg;glhik> nghUl;fs; ngw;Wf;nfhs;sg;glhik> ml;il
itj;jpUg;guhy; Nkw;nfhssg;gl;l mQ;ry; fl;lis %yk; ngwg;gl;l
nghUl;fspYs;s gOJfs;> vd;gd cl;gl Nrit epiyaq;fspypUe;J
ml;il
itj;jpUg;gtuhy;
nfhs;tdTnra;ag;gl;l
my;yJ
ngw;Wf;nfhs;sg;gl;l tzpfg;nghUl;fs;> epajp cj;juthjk; my;yJ
Nritfs; vd;gtw;wpw;F tq;fp vJ tpjj;jpYk; nghWg;ghspkhl;lhJ. ml;il
trjp ml;il itj;jpUg;gth; nghUl;fis nfhs;tdT nra;tjw;fhd
my;yJ Nritfis ngw;Wf;nfhs;tjw;fhd xU trjp vd;gjidAk;
nghUl;fspd; my;yJ Nritfspd; juk;> njhif> xg;gilj;jy; my;yJ
NtW tifapy; vt;thnwdpDk; nghUl;fs; my;yJ Nritfs; njhlh;gpy;
tq;fp epajp cj;juthjk; vjidAk; nfhz;bUf;fkhl;lhJ vd;gjidAk;
gpujpepjpj;Jtk nra;akhl;lhJ vd;gjidAk; ml;il itj;jpUg;gth; Nrit
epiyaq;fSld;
VNjDk;
gpzf;Ffis
jPh;j;Jnfhs;sNtz;Lk;
vd;gjidAk; njspthf tpsq;fpf;nfhs;Sjy;Ntz;Lk;. gpzf;nfhd;wpUg;gJ
ml;il
itj;jpUg;gtiu
tpLtpf;f
khl;lhJ.
gpzf;F
my;yJ
chpikf;Nfhhpf;if
KbtwhjpUg;gJ
vt;thwpUg;gpDk;
mj;jifa
mwtPLfis cldbahf nrYj;Jtjw;F
ml;il itj;jpUg;gth;
cld;gLfpd;whh;.
14.2 tq;fpapd; fl;Lg;ghl;bw;F mg;ghw;gl;ljhapDk;;rhp my;yhtpbDk;rhp; VjhtJ
ATM nghwp> POS nghwp; my;yJ njhiyj;njhlHG Kiwik my;yJ
trjpfs; my;yJ fzdp Kiwik my;yJ mQ;ry; ,izg;G vd;gtw;wpd;
jlq;fy;> nraopypog;G my;yJ gOJ fhuzkhf> my;yJ ifj;njhopw;
gpzf;F my;yJ NtW gpzf;F vd;gd fhuzkhf my;yJ mtw;wpypUe;J
ml;il itj;jpUg;gtUf;F Vw;gLk; vj;jd;ikaJkhd ,ay;gpdjhd
VNjDk; trjpaPdk;> ,og;G> Nrjk; my;yJ njhy;iy vd;gtw;wpw;F tq;fp
vJtpjj;jpYk; nghWg;ghspahf khl;lhJ.
15.
gpzf;FfSk; jPHTfSk;
15.1 jtW xd;W ,lk;ngw;wpUg;gjhf ePq;fs; ek;gpdhy; cldbahf tq;fpAld;
njhlh;G nfhs;sNtz;Lk;. (Fiwe;jgl;rk; fzf;Ff; $w;W jpfjpapypUe;J 30
jpdq;fSf;Fs;) tq;fpapd; tprhuizfSf;F cjTk; tifapy; cq;fs;
ngah;> ml;il ,yf;fk;> gpur;rpidf;Fhpa nfhLf;fy; thq;fy; gw;wpa
tpguq;fs;> ePq;fs; re;Njfpf;Fk; mj;jifa jtWld; rk;ge;jg;gl;l njhif
Mfpa tpguq;fis tq;fpf;F toq;f Ntz;Lk;.
112
15.2 ePq;fs; tq;fpf;F tha;nkhop%yk; ,jid mwptpj;jhy; Ie;J Ntiy
jpdq;fSf;Fs;
cq;fs;
KiwaPl;il
vOj;J
%yk;
mDg;GkhW
Ntz;lg;gLfpwPh;fs;.
tq;fpf;F
Nkyjpfj;
jfty;fs;
vJTk;
Njitg;gLk;gl;rj;jpy; tq;fp cq;fSld; njhlHGnfhs;Sk;.
15.3 tq;fpapd;
Gydha;Tk;
jpUj;j
eltbf;ifAk;
(vJTkpUg;gpd;)
KbTwhjpUf;Fk;NghJ
tq;fp jdJ jw;Wzpgpd; Nghpy; gpzf;F
jPh;f;fg;gLk;tiu gpur;rpidf;Fhpa me;j njhifia cq;fsJ fzf;fpy;
tuT itf;Fk;. tprhuizfs; KbTw;w gpd;dh; tq;fp gpiofs; vJTk;
,lk;ngwtpy;iy vd;w KbTf;F tUk; NghJ mJ Fwpj;J cq;fSf;F
cldbahf mwptpf;fg;gLk;. gpzf;Fld; rk;ge;jg;gl;l njhif cq;fsJ
fzf;fpy; ngWkjp jpfjpAld; gw;W itf;fg;gLk;. mj;Jld;> mjw;fpzq;;f
ngWkjp Nritf; fl;lzq;fSk; jpuSk;;. cq;fsJ gpzf;if tprhhpf;Fk;
Ntisapy; mjd; Rtbf;$lq;fspypUe;J myy;J NtnwhU tq;fp Clhf
cWjpr;rPl;Lf;fspd;
gpujpfs;
Kjypatw;iw
tq;fp
kPl;Lg;ngw
Ntz;bapUe;jpUe;jhy; NjhjhdthW kPl;Lg;ngWk; fl;lzq;fSf;F cq;fs;
fzf;fpy; gw;W itf;fg;gLk;.
16.
KbTWj;jy;
16.1 NkNyAs;s
9MtJ
thrfj;jpy;
(nfhLg;gdTk;
fl;lzq;fSk;)
Fwpg;gplg;gl;l nfhLg;gdT rk;ge;jkhd Vw;ghLfs; vt;thwpUg;gpDk;
ml;ilf; fzf;fpy;
epYitapYs;s vy;yh njhiffSk; (vy;yh
Fiwepug;G ml;ilfspYk;
cs;sit cl;gl) ml;iliag; gad;gLj;jp
cwg;gl;lJk;
ml;il
itj;jpUg;gthpd;
fzf;fpw;F
,d;dKk;
mwtplg;glhjpUg;gJkhd
njhif
cl;gl
,e;j
cld;gbf;if
KbTWjjg;gLtjd;kPJ
tUkjpahFk;
vd;gJld;
cldbahfTk;
KOikahfTk;
nrYj;jg;glg;ghyJkhFk;.
,e;j
cld;gbf;ifapd;
KbTWj;JjyhdJ ml;il itj;jpUg;gtuhy; ml;ilia ,U ghjpfshf
ntl;b
mjDld;
Nrh;j;J
tq;fpf;F
vOj;jpyhd
mwptpj;jy;
nfhLg;gdjd;%yk;
my;yJ
tq;fpahy;
ml;il
itj;jpUg;gthpd;
,wg;gpd;kPJ> tq;fp Kwpe;j jd;ikapd;kPJ my;yJ fldpWf;f tifaw;w
jd;ikapd;kPJ my;yJ tq;fpf;F Vw;wpf;$wg;glw;ghyjy;yhj VNjDk
VJtpdhy;
ml;il
itj;jpUg;gth;
,Uf;Fkplk;
tq;fpf;Fj;
njhpahjpUf;Fk;NghJ ,lk; ngWk;. ml;ilapy; epYitahapUf;Fk; kPjpfs;
vtw;iwAk; KOikahf kPsr; nrYj;Jtjw;F ml;il itj;jpUg;gthpdJk;
mj;Jld;/my;yJ mtuJ kuzr; nrhj;Jf;;fspdJk; nghWg;ghjy; Ntz;Lk;.
mj;jifa epYitia kPl;Lg; ngWtjpyhd vy;yhr; nryTfSf;Fk; (rl;lf;
fl;lzq;fs; kw;Wk; mwtPLfs; cl;gl) nrytpdq;fSf;Fk;
tq;fpia
el;Nlhj;juthjk; nra;Jitj;jy; Ntz;Lk;. mj;jifa kPs;nfhLg;gdT
nrYj;jg;glhjpUf;ifapy; mg;Nghija tPjq;fspd;gb epjp kw;Wk; Vida
mwtPLfis njhlh;e;J mwtpLtjw;F tq;fp chpj;Jilajhjy; Ntz;Lk;.
16.2 Kjdpiy ml;il itj;jpUg;gth; mtuJ ml;ilia KbTWj;Jk;gl;rj;jpy;;
vy;yh epYitfSk; nrYj;jpj; jPh;f;fg;gl;L vy;yh ml;ilfSk; Kiwahf
,U ghjpfshf ntl;b tq;fpf;Fj; jpUg;gpf;nfhLf;fg;gLk; tiu ,e;j epajp
epge;jidfSf;fpzq;f vy;yh mwtPLfSf;Fk; Vida nghWg;GfSf;Fk;
Fiwepug;G
ml;il
itj;jpUg;gth;
cl;gl
vy;yh
ml;il
itj;jpUg;gth;fSk; xUkpj;Jk; jdpj;jdpahfTk; nghWg;Gilalth;fshjy;
Ntz;Lk;.
16.3 Kd;dwptpj;jYlNdh my;yJ Kd;dwptpj;jy; ,d;wpNah fld; ml;ilia
,y;yhnjhopg;gjd;%yk; my;yJ ml;ilia GJg;gpf;f kWg;gjd;%yk;
tq;;fp ,e;j cld;gbf;ifia KbTWj;jyhk;.
113
16.4 ml;il
fzf;F
KbTWj;jg;gLk;gl;rj;jpy;
tUlhe;j
mq;fj;Jtf;
fl;lzj;ij my;yJ mjd; VNjDk; gFjpia kPsr;nrYj;Jtjw;F tq;fp
nghWg;Gilajhf khl;lhJ.
16.5 ml;il
toq;fg;gLtjw;F
tq;fpahy;
,ize;j
gpiz
vJTk;
itj;jpUf;fg;gLk;gl;rj;jpy;
ml;ilia
itj;jpUg;gtuhy;
ml;il
,y;yhnjhopf;fg;gbDk;rhp tq;fpahy; ,y;yhnjhopf;fg;gbDk;rhp my;yJ
tq;fpahy;
KbTWj;jg;gl;lijaLj;J
ml;il
,y;yhnjhopf;fg;gl;L
tq;fpf;F
jpUg;gpf;nfhLf;fg;gl;;lijaLj;J
epYitfs;
Kw;whf
nrYj;jpj;jPh;f;fg;gl;lhYk;$l Fiwe;jgl;rk; 45 ehl;fSf;F mj;jifa
gpizia gpbj;J itj;jpUf;Fk; chpik tq;fpf;F cz;L.
16.6 ve;jnthU jpwj;jtuhYk; cld;gbf;if KbTWj;jg;gl;l NghJk; fld;
ml;ilia ghtpj;jikf;fhd NkYk; NtW vy;yhf; fl;lzq;fisAk;
nrYj;Jtjw;F ml;il itj;jpUg;gth; nghWg;Gilatuhjy; Ntz;Lk;.
17.
nghWg;gpypUe;J ePq;Fjy;
gpd;tUtdtw;wpd; fhuzkhf NeubahfNth my;yJ kiwKfkhfNth ml;il
itj;jpUg;gtUf;F Vw;gLk; ,og;G my;yJ Nrjk; njhlh;gpy; ve;jtpj
nghWg;igAk; tq;fp Vw;Wf;nfhs;skhl;lhJ.
17.1 tq;fp my;yJ tzpfh; my;yJ NtW tq;fp my;yJ epjp epWtdk; my;yJ
VjhtJ ATM my;yJ NtW jpwj;jth; vtUk; ml;il nfhLf;fy;
thq;fy;fis Vw;f kWg;gjdhy; my;yJ fld; vy;iyf;Fl;gl;l gz
Kw;nfhLg;gdTfis nrYj;j kWg;gjhy; fld; ml;il itj;jpUg;gtUf;F
vj;jd;iiajhfTk; Vw;gLk; ,og;Gf;fs; kw;Wk; Nrjq;fs;.
17.2 tzpfh; my;yJ tPrh/kh];lh; ml;ilfspd; mq;fj;Jt epWtdk; ml;ilia
mq;fPfhpf;f my;yJ Vw;f kWj;jy;> tzpfh; xUtuhy; fld; ml;il
itj;jpUg;gtUf;F toq;fg;gLk; nghUl;fspy; my;yJ Nritfspy;
,Uf;ff;$ba FiwghL my;yJ gw;whf;Fiw my;yJ Vw;Gilj;jhFkplj;J
fld; ml;il nfhLf;fy; thq;fy;fis tzpfuhy; epiwNtw;wg;glhik.
17.3 VjhtJ ATM / POS nghwpapy;; Fiwghlhd nraw;ghL my;yJ njhlh;ghly;
Kiwapy; Vw;gl;l jlq;fy;.
17.4 ml;ilapd; kPJ Gilj;J nghwpf;fg;gl;Ls;s KbTWk; jpfjpf;F Kd;dh;
ml;iliaf; Nfhhp
xg;gilf;;fg;ngWtjw;fhd mjd; chpikia tq;fp
gpuNahfpj;jy;. mj;jifa Nfhhpf;if my;yJ xg;gilf;ff; Nfhuy;
tq;fpahy; nra;ag;gl;bUg;gpDk;rhp NtW vtNuDk; Mspdhy; my;yJ ATM
/ POS nghwpapdhy; nra;ag;gl;bUg;gpDkrhp.
17.5 thrfk; 16Ig; gpd;gw;wp (KbTWj;Jy;) ml;iliaNah my;yJ fld; ml;il
fzf;ifNah KbTWj;Jk; tq;fpapd; chpikia mJ ghtpj;jy
17.6 ml;ilia kPs; ciliknfhs;Sifapy; my;yJ mjid jpUg;gpj;jUkhW
tpLf;fg;gLk; VNjDk; Ntz;LNfhs; my;yJ vtNuDk; Ms; ml;ilia
mq;fPfhpf;f my;yJ Vw;Wf;nfhs;s kWg;Gj; njhptpf;ifapy; my;yJ mJ
njhlh;gpy;; ml;il itj;jpUg;gthpd;; fld; ngWk; rpwg;gpay;Gf;Fk;
ed;kjpg;gpw;Fk; Vw;gLk; VjhtJ CW. ;
114
17.7 thrfk; 19Ig; gpd;gw;wp
(tq;fpapd; Gj;jfk;> gjpNtLfs; kw;Wk;
thbf;ifahsh; gw;wpa jfty;) tq;fpahy; ntsptplg;gLk; vitNaDk;
tptuq;fspy; VNjDk gpwo;$w;W> gpioahd tpsf;fTiu> jtW my;yJ
tpl;LtpLif.
17.8 ml;il itj;jpUg;gtUf;Fk; tzpfh;> tq;fp> epjp epWtdk; my;yJ NtW
vtNuDk; Ms; MfpNahUf;Fk; ,ilapy; Vw;gLk; gpzf;fhdJ> ml;il
itj;jpUg;gth; mj;jifa tzpfh; my;yJ tq;fp> epjp epWtdk; my;yJ
NtW vtNuDk; MSf;F vjpuhff; nfhz;bUf;ff;$ba gpzf;F my;yJ
vjph;Nfhhpf;if my;yJ vjuphPL nra;Ak chpik vd;gd vt;tpjj;jpNyDk;
fld; ml;il itj;jpUg;gth; tq;fp kPJ nfhz;Ls;s nghWg;Gf;fspy;
ghjpg;ig Vw;gLj;jhJ.
17.9 nja;tr; nray;> Fbapay; nfhe;jspg;G> fpsh;r;rp> NghH; my;yJ tq;fpapd;
fl;Lg;ghl;Lf;F mg;ghw;gl;l VJf;fs; my;yJ VNjDk; NtiyepWj;jk;
my;yJ fjtilg;G; %ykhf mjd; mYty;fspy; Vw;gLk; jlq;fspdhy;
Vw;gLk; tpisTfs;.
18.
$l;bizg;G ml;ilfs; njhlHghd nghWg;Gilik
$l;bizf;fg;gl;l FOkq;fspd; Copah;> epiwNtw;W mYtyh;fs;> gzpg;ghsh;fs;
my;yJ $l;bizf;fg;gl;l FOkj;jhy; mjpfhukspf;fg;gl;l
NtW vtNuDk;
Ms; njhlh;gpy; jifikAs;s $l;bizf;fg;gl;l FOkq;fSf;F toq;fg;gl;l
midj;J
ml;ilfSk;
$l;lhfTk;
jdpj;jdpahfTk;
$l;bizf;fg;gl;l
FOkj;jpdJk; ml;il itj;jpUg;gthpdJk; nghWg;Gfspd;fPo; nraw;gLk;.
19.
tq;fpapd;
jfty;fs;
Gj;jfq;fs;>
gjpNtLfs;
kw;Wk;
thbf;ifahsh;
19.1 tq;fpapd; Gj;jfq;fs;> gjpNtLfs; kw;Wk; thbf;ifahsh; jfty;fs; vd;gd
KbthditAk;> gpzpf;fpd;;witahjYk;
Ntz;Lk;. VNjDk; rhd;wpjo;>
mr;Rg;gb (Printout) my;yJ tq;fpahy; toq;fg;gl;l fzf;Ff; $w;W vd;gd
vitNaDk; tof;F eltbf;iffspy; my;yJ NtW tifapy; mtw;wpd;
nrk;ik ml;il itj;jpUg;gtUf;nfjpuhf ,WjpahdJk; jPh;f;fkhdJkhd
rhd;whjy; Ntz;Lk;.
19.2 thbf;ifahsuJk; tq;fpapdJk; eyid ghJfhg;gjw;fhf tq;fpahy;
vLf;fg;gLk; my;yJ tq;fpf;F vLf;fg;gLk; njhiyNgrp miog;Gf;fs;
gjpTnra;ag;gLtij thbf;ifahsh; mq;fPfhpj;J Vw;Wf;nfhs;fpwhH.
19.3 tq;fpahdJ> mjd; juTfs;> jfty;fs; kw;Wk; gjpNtLfs; vd;gtw;iw
,yj;jpudpay; tbtpy; my;yJ ikf;FNuh glr;RUspy;
my;yJ NtW
Kiwfspy; (,yq;iff;F ntspNa cs;s nray;Kiw ikaq;fs; kw;Wk;
juT ikaq;fs; cl;gl) Ngzyhk;> nrad;Kiwf;Fl;gLj;jyhk;> mj;Jld;
Njf;fp itf;fyhk;. mjd; Nfhitfs;> Gj;jfq;fs;> gjpTfs; my;yJ
fzf;Ffs; vd;gtw;wpy; ,Ue;J gphpj;njLg;nghd;whf tq;fp ntspf;fhl;b
itf;ff;$ba nra;jpfs;> Nfgps;fs;;> nunyf;];fs;> njhiyefy;fs;>
ikf;FNuh glr;RUs;fs;> xypg;gjpT ehlhf;fs;> fzdp mr;Rg;gbfs; kw;Wk;
Gifg;glg; gpujpfs;; vd;gd mtw;wpd; cs;slf;fq;fspd; cz;ikj;
jd;ikf;F jPh;f;fkhd rhd;whf mikAk; vd;gjid ml;il itj;jpUg;gth;
mq;fPfhpj;J vw;Wf;nfhs;fpd;whh;.
115
19.4
tq;fpahdJ> %d;whk; jpwj;jtuhd xg;ge;jf;fhuh;fspdJ Nritfisg;
gad;gLj;jyhk; vd;gJld; mj;jifa %d;whk; jpwj;jth; thbf;ifahsh;
kw;Wk; mtuJ fzf;F njhlHghd tpguq;fs; cl;gl tq;fpapd;
Gj;jfq;fSf;Fk; gjpNtLfSf;Fk; mZf;fk; ngwyhk; vd;gjidak;
thbf;ifahsh; mq;fPfhpj;J Vw;Wf;nfhs;fpd;whH.
19.5 ml;ilf;fhd tpz;zg;gfhuUf;F my;yJ ml;il itj;jpUg;gtUf;F
mwptpf;fhky; nghUj;jkhdnjd tq;fp fUJk; VNjDk; Neuj;jpy;
ml;ilf;fhd tpz;zg;gfhupd; fld; epiyg;ghl;il ghprPyid nra;tjw;fhd
mj;Jld;/my;yJ ml;il itj;jpUg;gthpd; fld; epiyg;ghl;il ghprPyid
nra;;tjw;fhd chpikia tq;fp nfhz;bUj;jy;Ntz;Lk;.
20.
njhiyNgrp>
nlyf;];>
Nfgps;
njhiyefy;
kw;Wk;
mwpTWj;JjYf;fhd mjpfhukspg;Gk; el;Nlhj;jputhjKk;.
kpd;dQ;ry;
20.1 tq;fpahy; tprhupj;jy; vJTkpd;wp mwpTWj;Jjiy toq;Fk; my;yJ
toq;fpajhff; fUjg;gLk; Mspd; mjpfhuk; my;yJ milahsk; njhlh;ghf
Kw;Nghe;jikapd;
nghJikf;Fg;
gq;fkpd;wpAk;
mwpTWj;Jjy;
fpilf;fg;ngWk; Neuj;jpy; epytpa #o;epiyfisg; nghUl;gLj;jhkYk;
fld; ml;il itj;jpUg;gth; mth; rhHgpy; njhiyNgrp> nlnyf;];> Nfgps;
njhiyefy; kw;Wk; kpd;dQ;ry; %ykhf tq;fpf;F fhyj;Jf;Ff;fhyk;
toq;Fk; my;yJ toq;fpajhff; fUjg;gLk;; mwptpj;jy;> jfty;fs;>
Nfhhpf;if> NtW njhlh;ghly;fs; (‘mwpTWj;Jjy;fs;’) vd;gdkPJ ek;gpf;if
itj;J mjw;fpzq;f nraw;gLtjw;F ml;il itj;jpUg;gth; tq;fpf;F
mjpfhukspf;fpwhH. mwpTWj;Jjy;fs; fpilf;fg;ngw;w Neuk; kw;Wk; jpfjp
gw;wpa tq;fpapd; tpjpKiw ,WjpahdJ vd;gjid ml;ilitj;jpUg;gth;
vw;Wf;nfhs;thh;.
20.2 mwpTWj;Jjy;fs;
fld;
ml;il
itj;jpUg;gtuhy;
Kw;wpYk;
mjpfhukspf;fg; gl;litAk; mtiug; gpzpf;fpd;witAkhFk; vdf;
fUJtjw;F tq;fp chpj;Jilajhjy;Ntz;Lk; vd;gJld; mwpTWj;Jjy;
gzk; nrYj;Jtjw;fhapDk;rhp my;yJ NtWtifapy; VNjDk; fzf;fpy;
tuT my;yJ gw;W itg;gjw;fhapDk;rhp> VNjDk; gzj;jpd; my;yJ
Mtzq;fspd; cilikafw;Wjy; njhlh;gpyhdjhapDk;rhp my;yJ ml;il
itj;jpUg;gtiu my;yJ NtW vtNuDk; Mis tq;fpAldhd VNjDk;
cld;gbf;ifAld;
my;yJ
NtW
Vw;ghl;Lld;
gpzpf;fpd;wjhff;
fUjg;gl;ljhapDk;rhp nfhLf;fy; thq;fypd; my;yJ Vw;ghl;bd; jd;ikia
my;yJ
rk;ge;jg;gll
gzj;jpd;
njhifiag;
nghUl;gLj;jhky;
mwpTWj;Jjypd; epajpfspy; VNjDk; gpio> fUj;J kaf;fk;> fUj;JNtW
,Ug;gJ vt;thwpUg;gpDk; vj;jd;ikaJkhd VNjDk nfhLf;fy;thq;fypd;
my;yJ Vw;ghl;bd; tiff;F ml;il itj;jpUg;gtiu fl;Lg;gLj;Jtjw;Fj;
Njhjhdnjd
tq;fp
fUjf;$bathW
mwpTWj;Jjy;fs;
njhlh;gpy;
eltbf;if
vLg;gjw;F
my;yJ
mjpy;
ek;gpapUg;gjw;F
tq;fp
chpj;Jilajhjy; Ntz;Lk;.
20.3 ,e;j mjpfhukspg;gpd; kw;Wk; elNl;hj;juthjj;jpd; epajpfSf;F mikthf
tq;fp nraw;gLtjw;Ff; fpuakhf mwpTWj;Jjy;fspypUe;J my;yJ mJ
njhlh;gpy; my;yJ kPWifahy; my;yJ ,jd;fz; Vw;ghLnra;ag;gl;lthW
tq;fp mjd; chpikia tYTf;fpLtjpy; vOk; midj;J ,og;Gf;fs;>
chpikf;Nfhhpf;iffs;> tof;Ffs;> tof;F eltbf;iffs;> Nfs;tpfs;>
,og;gPLfs;>
nryTfs;>
nghWg;Gf;fs;>
nrytpdq;fs
,it
vj;jd;ikajhjhapUg;gpDk;rhp vt;thW vOe;jjhapDk;rhp mtw;wpw;nfjpuhf
ml;il itj;jpUg;gth; tq;fpf;F el;Nlhj;juthjk; nra;aTk;
116
el;Nlhj;juthjk; nra;J itf;fTk; mopf;f KbahjthW nghWg;Ngw;fpd;whh;.
mJ
njhlh;gpyhd mj;jifa vy;yh nryTfSk; nrytpdq;fSk;
ml;ilf;
fzf;fpy;
gw;W
itf;fg;glyhk;
vd;gJld;
ml;il
itj;jpUg;gtuhy; nrYj;jg;glw;ghyjhjYk; Ntz;Lk;.
20.4 ml;il itj;jpUg;gthplkpUe;J KbTWj;Jk; mwptpj;jy; fpilf;fg;ngw;W
mjd; kPJ nraw;gLtjw;F NghJkhd fhy mtrhrk; ,Ue;jhyd;wpAk;
,Uf;Fk; tiuapYk;
,e;j mjpfhukspg;Gk; el;Nlhj;juthjKk; KO tYtpYk;
gaDWjpAlDkpUj;jy; Ntz;Lk;.
MapDk; mj;;jifa fhy mtrhrk;
KbTWTjw;F Kd;dh; ,e;j mjpfhukspg;gpdJk; elNlhj;juthjj;jpdJk;
epajpfSf;fpzq;f epiwNtw;wg;gLk; VNjDk; nray; njhlh;gpy; ,e;j
mjpfhukspg;gpdJk; el;Nlhj;juthjj;jpdJk;fPo; VNjDk; nghWg;gpypUe;J
ml;il itj;jpUg;gtiu tpLtpf;f khl;lhJ.
20.5 Nkw;$wg;gl;lthW njhiyNgrp> nlyf;];> Nfgps;> njhiyefy; my;yJ
kpd;dQ;ry; %yk; mwpTWj;Jjiy toq;FtJ tq;fpf;F mwpTWj;Jjy;fs;
toq;Ftjw;fhd ghJfhg;ghd topKiw my;y vd;gjidAk; ,J
njhlh;gpyhd
vjph;kiw
tpisTfis
ml;il
itj;jpUg;gth;
mwpe;jpUf;fpd;whh;
vd;gjidak;
ml;il
itj;jpUg;gth;
Vw;W
mq;fPfhpf;fpd;whh;
vd;gJld;
ml;il
itj;jpUg;gthpd;
trjpf;fhf
nra;ag;gLk; ,e;j Vw;ghL Kw;wpYk; ml;il itj;jpUg;gthpd; vjph;kiw
tpistpd; kPNjahFk; vd;gjidAk; cWjpg;gLj;Jfpd;whh;.
21.
vjphPL
nra;tjw;fhd
itf;fg;gl;Ls;s epjpfSk;
chpikAk;
gpiz
nghWg;ghf
21.1 vjphPL nra;tjw;fhd VjhtJ nghJ chpik my;yJ rl;lj;jhy; my;yJ
NtW
VjhtJ
cld;gbf;ifahy;
toq;fg;gl;l
NtW
chpikfs;
vd;gtw;Wf;F Nkyjpkhf tq;fpahdJ> ve;jtpj Kd;dwptpj;;jYk; ,d;wp
ve;jnthU NtisapYk;> fld; ml;il itj;jpUg;gtuhy; jdpahfNth>
$l;lhfNth Ngzg;gLk; midj;J my;yJ VjhtJ fzf;Ffs; ve;j
tifapYk;> vq;F ,Ug;gpDk; ,it ,yq;if ehzaj;jpy; my;yJ NtW
ve;j ehzaj;jpy; Ngzg;gbDk; mtw;iw xd;W Nrh;f;fTk; my;yJ
jpul;lTk; my;yJ vjphPL nra;aTk; my;yJ Fiwepug;G/Nkyjpf fld;
ml;il itj;jpUg;gtUld; $l;lhfg; NgZk; fzf;Ffs; cs;spl;l
fzf;Ffspy;
,Uf;Fk;
ve;jnthU
njhifiaAk;
fld;
ml;il
itj;jpUg;gth;
fzf;fpy;
tq;fpf;F
epYitahfTs;s
njhifiar;
nrYj;Jtjw;fhf khw;Wtjw;F tq;fpf;F KbAk; vd;gij fld; ml;il
itj;jpUg;gth; Vw;Wf;nfhs;fpwhH. fld; ml;il itj;jpUg;gth; ,yq;if
ehzaj;jpNyh my;yJ NtW ve;j ehza myfpNyh NgZk; ve;jf;
fzf;fpYk; epYitahf ,Uf;ff;$ba njhifahf ,Ue;jhYk; rhpNa.
tq;fp jdJ jw;Wzpgpd; Nghpy; jPHkhdpf;Fk; tq;fpapd; eilKiw nrytzp
tPjq;fSf;F mikthf mj;jifa xd;wpizg;ig> jpul;liy> vjphPL
nra;jiy my;yJ khw;Wtij tq;fp Nkw;nfhs;tjw;F fld; ml;il
itj;jpUg;gth; mjpfhukspf;fpwhH.
21.2 Nguhiz my;yJ miog;ghiz gpwg;gpf;fg;gl;lJk;; my;yJ fld; ml;il
itj;jpUg;gth; tq;fpKwpe;j
my;yJ fldpWf;f tifaw;w jd;ikia
mile;jij vz;gpg;gjw;F my;yJ tq;fp nghUj;jkhdJ vdf; fUJk;
mj;jifa NtW fhuzq;fSf;fhf fld; ml;il itj;jpUg;gth; cs;spl;l
ve;jnthU jpwj;jtuJk; nghWg;ig tq;fp epjhdkhf ghJfhg;gjid ,ayr;
nra;Ak; Nehf;fj;jpw;F mika tq;fpf;F VNjDk; ,iltU flg;ghL
vJTkpd;wp> ngw;Wf;nfhs;sg;gl;l VjhtJ gzj;njhif> kPl;fg;gl;l my;yJ
NjWjyhd gzj;njhif my;yJ ml;il itj;jpUg;gthpd; ml;ilf;fhd
117
NtW VjhtJ ghJfhg;gpid my;yJ cj;;juthjj;jpid> tq;fpf;F
nrYj;jg;gl Ntz;ba epYitj; njhiff;Fg; gjpyhf KOikahf my;yJ
gFjpastpy; itj;jpUg;gjw;F tq;fpahy; KbAk;.
21.3 fld;
ml;ilia
toq;Fk;
NghJ
ghJfhg;G
gpizahf
vkJ
fpisfspYs;s VjhtJ xU itg;Gf; fzf;fpy; fld; ml;il
itj;jpUg;gth; epjpfis itg;gPLnra;AkhW khW tq;fp Nfhuyhk;. ,e;jf;
fzf;fpYs;s itg;Gf;F vjpuhf fld; ml;il epYitfis vjphPL
nra;tjw;fhf gpbj;J itg;gjw;F tq;fpf;F chpikAz;L. ,e;j epjpfis
mZFtjw;F fld; ml;il itj;jpUg;gth; tpUk;gpdhy;> mJFwpj;J mth;
tq;fpf;F Kd;dwptpj;jiy toq;f Ntz;Lk;. fld; ml;il itj;jpUg;gthpd;
fld; ml;il njhlh;ghd elj;ijfspd; kPJ tq;fpahdJ> jPHkhdk; xd;iw
Nkw;nfhs;tjw;F KOikahd jw;Wzpigf; nfhz;Ls;sJ. ghJfhg;Gg;
gpizahf itj;jpUf;ff;$ba epjpfis tpLtpg;gjw;F> mq;fPfhuk; fpilj;J
45 Ntiy ehl;fs; nry;Yk;.
22.
rl;l eltbf;iffs;
ml;il itj;jpUg;gth; VNjDk; fhuzj;jpw;fhf ,e;j xg;ge;jj;jpd; epajp
epge;jidfSld; ,zq;fpnahOfj; jtwpdhy; ,e;j xg;ge;jj;ij tq;fp
KbWj;jyhk;
vd;gld;
,jd;
fPo;
epYitahfTs;s
vy;yhj;
njhiffisAk; kPl;Lg; ngWtjw;fhd eltbf;fifisAk; Nkw;nfhssyhk.;
tq;fpf;F Vw;gLk; rl;lf; fl;lzq;fs cs;spl;l midj;J fpuaq;fs;>
mwtPLfs;; kw;Wk; nryTfs; vd;gdtw;wpw;F ml;il itj;jpUg;gth;
KOikahd el;Nlhj;juthj mbg;gilapy; nghWg;Ailatuhthh;.
23.
mwptpj;jy;fs;
23.1 fld;
ml;il
itj;jpUg;gth;
fly;
fle;j
gpuahzq;fis
Nkw;nfhs;SKd;dh; mtuJ gazj;jpl;lj;ij 2480480 vd;w njhiyNgrp
,yf;fj;jpw;F my;yJ fly;fle;j gazj;jpw;FKd;dh; [email protected]
vd;w kpd;dQ;ry; Kfthp Clhf vkf;F mwptpf;fyhk;.
23.2 NtW ehLfspy; jq;fpapUe;J njhopy; ghHg;gjw;fhf fld; ml;il
itj;jpUg;gth; ,yq;ifia tpl;Lr; nry;Yk; re;jh;g;gq;fspy; Kjdpiy
kw;Wk; Fiwepug;G ml;ilfis mth; Gwg;gLtjw;F 30 ehl;fSf;F Kd;ghf
tq;fpaplk; xg;gilf;f Ntz;Lk;. mj;Jld;> Kjdpiy ml;il kw;Wk;
Fiwepug;G ml;ilfs; KbTWj;jg;gl;ljhf fUjg;gLtJld;> 16MtJ
thrfk; (KbTWj;jy;) ,Jtplaj;jpy; Vw;GilajhjYk; Ntz;Lk;.
23.3 ml;il itj;jpUg;gthpd; filrpahf mwpag;gl;;l my;yJ NtW VNjDk;
Kfthpf;F Neuhpbahf xg;gilf;fg;gLfpd;w my;yJ xg;gilj; J}Jth;
%yk; my;yJ rhjhuz/gjptQ;ry; %yk; mDg;gg;gLk; midj;J
ml;ilfs;> PIN, TIN fzf;Ff; $w;W> Nfhhpf;iffs; midj;Jk; my;yJ
,e;j epajp epge;jidfspd; fPohd NtW vitNaDk; njhlh;ghly;fs;
ifahy; xg;gilf;fg;gbd; xg;gilj;jw; jpdj;jd;W my;yJ xg;gilj
J}Jth; %yk; my;yJ mQ;ry; %yk; mDg;gg;gbd; mDg;gg;gl;l %d;W
Ntiy ehl;fSs; ml;il itj;jpUg;gtUf;Fr; Nrh;g;gpf;fg;gl;ljhff;
fUjg;gLjy; Ntz;Lk;.
23.4
,e;j epajp; epge;jidfspd;fPo; Kjdpiy
ml;il itj;jpUg;gtUf;F
mj;Jld;/;my;yJ Fiwepug;G
ml;il itj;jpUg;gtUf;F mDg;gg;gLk;
midj;Jj; njhlh;ghly;fSk; mth;fs; ,UtUf;Fk; mDg;gg;gl;l
118
njhlh;ghly;fshff; fUjg;gLjy;Ntz;Lk;.
24.
nghJ
24.1 ml;il
itj;jpUg;gthpd;
mwpTWj;Jy;fs;kPJ
nraw;gLtjw;F tq;fp nghWg;Gilajhf khl;lhJ.
ey;nyz;zj;Jld;
24.2 mj;jifa mwpTWj;Jjy; vjidAk; tq;fp mjd; jw;Wzpgpd;Nghpy; gjpT
nra;tjw;Fk; mj;jifa gjpTfis ePjpkd;wnkhd;wpy; my;yJ tof;F
eltbf;iffspy; rhd;whfg; gad;gLj;Jtjw;Fk; ml;il itj;jpUg;gth;
tq;fpf;F mjpfhukspf;fpwhH.
24.3 ml;il itj;jpUg;gthplkpUe;J fpilf;Fk; my;yJ mth; Nkw;nfhz;ljhf
fUjg;gLk; njhiyNgrp %ykhd mwpTWj;Jjy;fis
epiwNtw;Wtjd;
fhuzkhf
vof;$ba my;yJ cwg;glTs;s vitNaDk; tpisTfs;>
chpikf; Nfhhpf;ifs> tof;F eltbf;iffs; my;yJ ,og;Gfs;
vd;gtw;wpw;nfjpuhf
ml;il itj;jpUg;gth; tq;fpf;F el;Nlhj;juthjk
nra;jy; NtzLk;.
24.4 ,e;j cld;gbf;ifapd;fPo; fld; ml;il itj;jpUg;gthplkpUe;J tq;fpf;F
epYitahfTs;s vy;yhg; gzj;njhiffisAk; t#ypg;gjw;F Kfth;
xUtiu epakpg;gjw;F tq;fp chpj;JilajhFk;.
24.5 ,e;j
cld;gbf;ifapd;fPohd
chpikfs;
my;yJ
flg;ghLfis
KOiakhf my;yJ gFjpastpy; fld; ml;il itj;jpUg;gtUf;F
mwptpj;J my;yJ mwptpf;fhkYk;
mthpd; rk;kjj;ijg; ngwhkYk;
VNjDk; Neuj;jpy; rhl;Ljy; nra;tjw;F tq;fp chpj;Jilajhjy; Ntz;Lk;.
24.6 tq;fpahy;
fhyj;jpw;Ff;
fhyk;
Nfhug;gLk;
mj;jifa
Nkyjpf
Mtzq;fspy;
ifnahg;gkpLtjw;F
ml;il
itj;jpUg;gth;
nghWg;Ngw;fpd;whh;.
24.7 ,jd;fz;
Vw;ghL
nra;ag;gLk;
chpikfSk;
epthuzq;fSk;
jpuz;litahFk; vd;gJld; rl;lj;jhy; Vw;ghLnraag;gLk; chpikfSf;Fk;
epthuzq;fSf;Fk; gpuj;jpNafkhdJ ky;y.
24.8 ,jd;fz;Zs;s epajp epge;jidfs; fld; ml;il itj;jpUg;gth;kPJk;
rl;lj;jhy;
Vw;ghL
nra;ag;gLk;
vitNaDk;
chpikfs;
kw;Wk;
epthuzq;fs;kPJk; gpzpf;fpd;wjhjy;Ntz;Lk;.
24.9 ,jd;fz;Zs;s
epajp; epge;jidfs;; ml;il itj;jpUg;gth;kPJ
gpzpf;fpd;wjhjy Ntz;Lk; vd;gJld; mth; ,jd;fz;Zs;s mtuJ
flg;ghLfis NtW vtUf;Fk; rhl;Ljy; nra;jYkhfhJ.
24.10 tq;fp ,e;j epajp epge;jidfspYs;s vjidAk; my;yJ ml;il
itj;jpUg;gthpd; jtiz jtWif my;yJ kPwy; vjidAk; epge;jid
,d;wpNah my;yJ NtW tifapNyh VNjDk; Neuj;jpy; tpl;Ltplyhk;;.
MapDk;
mj;jifa
tpl;LtpLif
tq;fpahy;
vOj;J%yk;
toq;fg;gLjy;Ntz;Lk;. mj;Jld; NkNy $wg;gl;lthW epge;jid my;yJ
,e;j epajp epge;jidfspd; VNjDk; jtiz jtwifia my;yJ
kPWifia kd;dpj;jy; tq;fpapd; chpikfisAk; jj;Jtq;fisAk;
tpl;LtpLtjhf nraw;glkhl;lhJ. mj;Jld; tpl;LtpLif vJTk; tq;fpf;F
vOj;jpy; njhptpf;fg;gl;lhyd;wp tq;fpahy; nra;ag;gl;l my;yJ
119
nra;ag;glhj ve;jr; nraypypUe;Jk; mDkhdpffg;gLjNyh my;yJ
mjdhy; cl;fpilahf czh;j;jg;gLjNyh MfhJ. tpl;LtpLif vJTk;
mJ ve;j tplaj;ijj; njhlh;GWj;Jfpd;wNjh me;j tplaj;ij khj;jpNu
tpl;LtLtjhf nraw;gLk; vd;gJld; mJ njhlh;GWj;Jk; Fwpg;gpl;l
tpalj;jpd; tpl;LtpLifahf my;yJ tpLtpg;ghf nraw;glkhl;lhJ.
mj;Jld; ,e;j epajpepge;jidfs; vtw;wpdJk; tpl;LtpLif my;yJ
tpLtpg;nghd;whf nraw;glkhl;lhJ.
24.11.me;je;j tzpfh;fshy; toq;fg;gLk; tpNrl fopTfs;/rYiffs; njhlh;gpy;
tq;fp ve;jtpj epajp cj;juthjj;ijAk; toq;fNth ,r;rYiffs;
njhl;gpy; jug;gl;Ls;s my;yJ mjd; tpepNahfk;> juk;> tbtikg;G>
tptuf;$w;Wfs; vd;gd njhlHgpy; my;yJ NtW tifapy; ve;jnthU
fUj;JiuiaAk
toq;fNthkhl;lhJ.
mj;Jld;>
,e;jj;
jahhpg;Gf;fs;/Nritfs; mit fpilf;ff$ba epiyikiag; nghWj;jJ
vd;gJld;> Kjypy; tUNthUf;F Kjypy; vd;w mbg;gilapy; Nrit
toq;fg;gLk;.
25.
epajpfs; NtWgLjy;
25.1 ,e;j cld;gbf;ifapd; epajp epge;jidfis tq;fpf; fhyj;jpw;Ff; fhyk;
khw;wyhk;. epajpr;rl;lj;jpd; Njitg;ghl;bw;F mika mj;jifa vNjDk;
khw;wk;
gw;wpa mwptpj;jy;fs; tq;fpahy; vOj;J %yk; my;yJ
mjidg;gw;wpa ntspaPl;bd; %yk; ml;il itj;jpUg;gtUf;F toq;;gLk;.
mj;jia khw;wq;fs; nrYj;jg;glhj epjp mwtPLfs;;> fl;lzq;fs;> Kw;gzf;
nfhLg;gdTfs;> nryTfs; kw;Wk; fld; ml;ilf; nfhLf;fy; thq;fy;fs;
midj;Jf;Fk; Vw;GiladthFk;.
25.2 ,e;j cld;gbf;ifapd; epajp kw;Wk; epge;jidfspy; Vw;gLk; mj;jifa
khw;wk; gaDWk;; jpfjpf;F gpd;dh; ml;ilia itj;jpUj;jyhdJ my;yJ
ghtpj;jyhdJ ml;il itj;jpUg;gtuhy; kWg;G vJTkpd;wp mj;jifa
khw;wq;fs; Vw;Wf;nfhs;s;gl;ljhfNt fUjg;gLk;. cj;Njr khw;wj;ij
ml;il itj;jpUg;gth; Vw;Wf;nfhs;shjgl;rjjpy; gaDWk;; jpfjpf;F
Kd;dh; vOj;J%ykhd Kd;dwptpj;jiyf; nfhLj;J fld; ml;ilapd;
ghtidia
KbTWj;Jjy;
Ntz;Lk;.
mjd;gpd;dh;
thrfk;
16
(KbTWj;Jjy;) eilKiwapypUj;jy; Ntz;Lk;.
25.3 ml;il
itj;jpUg;gtUf;F
10
ehl;
fhyg;gFjpnahd;wpw;fhd
mwptpj;jynyhd;iwf; nfhLj;J jdJ Vf jw;Wzpgpd;Nghpy; ,e;j epajp;
epge;jidfisj; jpUj;Jtjwfhd my;yJ kPsha;T nra;tjw;fhd chpik
tq;fpf;Fz;L.
26.
cld;gbf;ifapd; gaDW jd;ik
26.1 ,e;j cld;gbf;ifapd; KbTWj;jy; vt;thwpUg;gpDk; ,jpy; mlq;fpAs;s
midj;J Vw;ghLfSk; fld; ml;il itj;jpUg;gthpdJk; ml;il
itj;jpUg;gthpdJk; ml;il nfhLf;fy; thq;fy; njhlHgpy; Vw;gLk;
nghWg;Gf;fSf;fhf ml;il itj;jpUg;gtUf;Fk; Fiwepug;G ml;il
itj;jpUg;gtUf;Fk; vjpuhf njhlh;e;J KO tYTlDk; gaDWjpAlDk;
,Uf;Fk;.
26.2 ,e;j
epajp
epge;jidfspd;
xt;nthU
Vw;ghLk;
jdpj;jdpahf
gphpf;fg;glf;$baitahfTk;
xd;wpy;
,Ue;J
xd;W
NtWgLj;jf;$baitAkpUf;Fk;. VNjDk; Neuj;jpy; ,e;j epajp;
120
epge;jidfSs;
VjhtJ
xd;W
my;yJ
xd;Wf;F
Nkw;gl;lit
nry;Ygbaw;wjhf>
rl;ltpNuhjkhdjhf
my;yJ
tYTf;fplg;gl
Kbahjjhf ,Uf;Fkhapd; my;yJ mikAkhapd; vQ;rpAs;s Vw;ghLfs;
mjdhy; vJtpjj;jpYk; ghjpf;fg;glNth typik Fd;WjNyh MfhJ.
27.
me;epa nryhtzp nfhLf;fy; thq;fy;fspd; khw;wj;jpd kPjhd
mwtPL
27.1 ml;il itj;jpUg;gtuhy; ,yq;if &gha; my;yhj NtW ehzaq;fspy;
Nkw;nfhs;sg;gLk; nfhLf;fy; thq;fy;fs; mt;thW nfhLf;fy; thq;fy;
,lk;ngw;w
jpdj;jd;W
tPrh/kh];lh;fhh;l;
,d;lh;ne\dyhy;
filg;gpbf;fg;gLk;
nryhtzp
tPjg;gb
jPh;khdpf;fg;gl;l
nryhtzp
tPjnkhd;wpy; ,yq;if &ghthf khw;wg;gl;l gpd;dh; ml;il fzf;fpy gw;W
itf;fg;gLk;. mj;Jld; tPrh/kh];lh;fhh;l; ,d;lh;ne\dyhy; tq;fpf;F
mwtplg;gLk; VNjDk; nfhLf;fy; thq;fy; fl;lzKk; mwtplg;gLk;.
28.
MSif nra;Ak;
rl;lk;
28.1 epajp epge;jidfs; ,yq;ifr; rl;lq;fshy; Msg;gLtJld;> mjw;fpzq;f
nghUs;
nfhs;sg;gLjYk;
Ntz;Lk;.
mj;Jld;
,yq;ifapYs;s
ePjpkd;wq;fspd; epahahjpf;fj;jpw;F kl;Lk; gpuj;jpNafkhf my;yhj
tifapy; ml;il itj;jpUg;gth; ,j;jhy; fl;Lg;gl;ltuhfpd;whH. MapDk;
mj;jifa fl;Lg;gLjyhdJ ml;il itj;jpUg;gtUf;nfjpuhf NtW
VNjDk; epahahjpf;;fj;jpy; tof;F eltbf;iffis Nkw;nfhs;tjw;fhd
tq;fpapd; chpikiag; ghjpj;jyhfhJ.
28.2 rl;lj;jhy;> murhq;fj;jpd; xOq;F tpjpfshy; my;yJ ,yq;if kj;jpa
tq;fpapdhy; tpLf;fg;gLk; gzpg;Giufshy; jpUj;jq;fs; Nkw;nfhs;tJ
mtrpag;gLj;jg;gl;lhy;>
,e;j
epajpfSk;
epge;jidfSk;
jhdhf
jpUj;jg;gLk;. cq;fsJ fld; ml;ilahdJ rl;lg+Htkhd kw;Wk;
nry;Ygbahd Nehf;fq;fSf;F khj;jpuNk gad;gLj;jg;gl Ntz;Lk;. ePq;fs;
ml;ilia myyJ ml;ilf;fzf;if NtW Nehffq;fSf;Fg; ghtpj;jhy;
my;yJ ghtpg;gjw;F %d;whk jpwj;jth;; xUtiu ePq;fs; mDkjpf;Fk;
gl;rj;jpy;> mj;jifa ghtidf;F ePq;fs; nghWg;Gilatuhfpd;wPHfs;
vd;gJld;> mj;jifa ghtidapd; tpisthf tq;fp> kh];lh;fhh;l;
,d;lhne\dy; my;yJ tPrh ,d;lh;ne\dy; Mfpatw;Wf;F Vw;gLk;
nryTfis kw;Wk;/my;yJ njhifia mj;jpwj;jth;fSf;F my;yJ
%d;W jpwj;jth;fspy; xU jpwj;jtUf;F nrytPL nra;tjw;F ePq;fs;
nghWg;Gilatuhfpd;wPHfs;. mj;jfia #o;epiyfspy; mj;jifa tq;fp
nfhLg;gdit cldbahf ,ilepWj;Jtjw;Fk; ,t;tplaj;ij nryhtzpf;
fl;Lg;ghl;ljpfhhpapd; ftdj;jpw;Ff; nfhz;LtUtjw;Fkhd chpikiaf;
nfhz;Ls;sJ.
28.3 mjpfhukspf;fg;glhj
me;epar;
nryhtdp
nfhLf;fy;
thq;fy;
,lk;ngWtjhf tq;fp re;Njfpg;gjw;F epahakhd fhuzk; ,Ug;gpd; me;jf;
fld; ml;il kPJ ngw;Wf;nfhs;sf;$ba me;epa nryhtdp trjpia
cldbahf ,ilepWj;Jk; chpikia tq;fp nfhz;Ls;sJ. mj;Jld;>
mjid mJ nryhtzpf; fl;Lg;ghl;ljpfhhpf;F mwptpf;Fk;. mj;Jld;>
ml;il itj;jpUg;gth; ml;iliag; ghtpj;J Nkw;nfhs;Sk; me;epar;
nryhtdp nfhLf;fy; thq;fy;fs; gw;wpa jfty;fisg; ngw;Wf;nfhs;Sk;
chpikAk; tq;fpf;F cz;L.
121
28.4 fld; ml;il itj;jpUg;gth; ,yq;ifia tpl;L epue;jukhf> njhopy;
my;yJ ntspehl;bYs;s epue;ju tjptplk; vd;gtw;Wf;F nry;tjhf
,Ue;jhy;> NRFC, RFC, RNFC fzf;Ffs; kw;Wk; ntspehl;bYs;s
fzf;Ffs; vd;gtw;wpy; itg;gpyplg;gl;bUf;ff;$ba epjpia> fld; ml;il
kPJ ngw;Wf;nfhs;sg;gl;l me;epa nryhtzpia jPHit nra;tjw;F
gad;gLj;Jtjw;fhf fld; ml;il toq;fg;gl;bUe;jhyd;wp> mJ mtuhy;
tq;fpaplk; xg;gilf;fg;gl Ntz;Lk;.
28.5 ,j;Jld; ,izf;fg;gl;Ls;s ,yq;ifr; rdehaf Nrh\yprf; Fbaurpd;
2005 nrg;lk;gh; 19Mk; jpfjp jpq;fl;fpoikad;W ntspahd ,y. 1411/5
nfhz;l mjptpNrl tHj;jkhdp ,e;j epajp;jidfspd; cs;shh;e;j ghfkhf
mikfpd;wJ.; ml;il kPJ me;epar; nryhtdp nfhLf;fy; thq;fy;fis
Nkw;nfhs;Sk;NghJ thrpj;J> tpsq;fpf;nfhz;L Vw;Gilj;jhfr; nra;tpj;jy;
Ntz;Lk;.
29.
fld; ml;il jfty;fis ntspapLjy;
29.1 tq;fp> mjd; mYtyh;fs; kw;Wk; mjd; Kfth;fs; thbf;ifahshpd;
fzf;Ffs; my;yJ tq;fpAldhd mtuJ cwT> trjpfs; (vd;gtw;iw
cs;slf;fpaJk;
mtw;Wf;F
kl;LNk
tiuaWf;fg;glhjJk;)
Nkw;nfhs;sg;gl;l VNjDk; gpiz> ,Ug;gpd;;> nfhLf;fy; thq;fy;fs; kw;Wk;
epYitfs; kw;Wk; tq;fpNahL cs;s epiyg;ghL vd;gd Fwpj;J
gpd;tUtdtw;Wf;F ntsptpLtjw;F rk;kjpf;fpd;whh;.
i. ve;jnthU epahahjpf;fj;jpd;fPOk; cs;s (mDkjpf;fg;gl;l jug;gpdh;)
tq;fpapd; jiyikafk;> mjd; VjhtJ Jiz epWtdq;fs; my;yJ
mjd; nfhsPf; fk;gdp> Jiz epWtdq;fs;> gpujpepjpfs; kw;Wk; fpis
mYtyfq;fs;.
ii. mDkjpf;fg;gl;l jpwj;jth;fSf;F ek;gpf;if flg;ghl;ilf; nfhz;Ls;s
njhopyhz;ik MNyhrfh;fs; kw;Wk; Nrit toq;Feh;fs;.
iii. vkf;fpilapyhd
cld;gbf;ifapd;
fPo;
tq;fpapd;
chpikfs;
mj;Jld;/my;yJ flg;ghLfSld; njhlHGs;s cs;sthwhd my;yJ
rhj;jpakhd gq;Fjhuh;fs; my;yJ Jizg; gq;Fjhuh;fs;> epakj;jh;
my;yJ rhl;Ljy; ngWeh;fs; my;yJ ifkhw;wk; ngWeh;fs; (my;yJ
Kw;Nghe;jth;fspd;; vtNuDk;
Kfth;
my;yJ
MNyhrfh;)
iv. VjhtJ kjpg;gPl;L Kftuhz;ik> fhg;GWjpahsh; my;yJ fhg;GWjpj;
jufh; my;yJ mDkjpf;fg;gl;l vtNuDk jpwj;jtUf;F NeubahfNth
Neubashfty;yhkNyh fld; ghJfhg;ig toq;Fgth;.
v. mDkjpf;fg;gl;l jpwj;jth;fs; kPJ epahahjpf;fj;ijf; nfhz;Ls;s
VjhtJ ePjpkd;wk; my;yJ epaha rig my;yJ xOq;FgLj;Jk;
mjpfhurig>
Nkw;ghHit mjpfhurig> murhq;f my;yJ Njhw;wk;
mstpyhd murhq;f mjpfhurig vd;gd.
vi. tq;fpapd;
vtNuDk;
tha;g;Gs;s
rhl;Ljy;
ngWeh;
vtNuDk;
cj;juthjkspg;gth;> gpizak; my;yJ gpizg;nghWg;G toq;Fk;
%d;whk; jpwj;jth;.
vii. Mw;Wg;gLj;Jiff;fhf
mspf;Fk; gjpy;.
%d;whk;
122
jpwj;jth;
tpLf;Fk;Ntz;LNfhSf;F
mj;jifa ntspg;gLj;Jif my;yJ mwptpj;jy; vd;gtw;wpd; tpisthf Vw;gLk;
VjhtJ ,og;G> Nrjk; my;yJ CW vd;gdtw;wpw;F tq;fpf;F vjpuhf ve;jnthU
Nfhhpf;ifiaAk; Nkw;nfhs;s khl;lhh; vd;gJld;;> mt;thW Nfhhpf;if vOg;Gk;
ve;jnthU chpikiaAk; ifAjpj;jtuhf thbf;ifahsh; cs;shH;. ,e;j
rk;kjkhdJ>
ml;il
itj;jpUg;gth;
tq;fpapd;
ml;ilia
njhlh;e;J
itj;jpuhjNghjpYk;$l gaDilajhapUf;Fk;.
30. jtiz jtwg;gl;l
nfhLg;gdTfis kPl;Lg;ngWjy
•
epYitapYs;s
VNjDk;
nfhLg;gitg;
gw;wp
cq;fSf;F
epidT+l;Ltjw;F vkJ fzdp Kiwikapy; gjpag;gl;bUf;Fk njhlh;G
,yf;fq;fSld; cq;fSld; njhlHGnfhs;Sk;.
•
ePq;fs; nfhLg;gdit nrYj;jj; jtWk;gl;rj;jpy; vkJ fzdp
KiwikapYs;s cq;fsJ filrp tpyhrj;jpw;F ehq;fs; fbjk; %yk;
mwptpg;Nghk;.
•
epidt+l;ly;fs
my;yJ
fbjk;
vd;gtw;wpd;
gpd;dh;
ePq;fs;
nfhLg;gdit nra;aj; jtwpdhy;> vkJ fzdp Kiwikapy; cs;s
cq;fsJ Kfthpf;F ehq;fs; tUif nra;Nthk;. mjd; gpd;dUk; ePq;fs;
nfhLg;gdit nrYj;jj; jtwpdhy; tq;fpf;F ePq;fs; nrYj;j Ntz;ba
nfhLg;gdit
ngw;Wf;nfhs;tjw;fhf
ehq;fs;
rl;l
eltbf;if
vLg;;Nghk;. ,e;j cld;gbf;ifapd; fPo; ePq;fs; tq;fpf;F nrYj;j
Ntz;ba vy;yh gzj; njhiffisAk; Nrfhpg;gjw;fhd xU Kftiu
epakpf;Fk; chpikiaAk; tq;fp nfhz;Ls;sJ.
kPl;Lg;ngWjy;/Nrfhp;jy;
njhlh;gpyhd
fbjq;fs;
fpilf;fg;ngw;w
jpfjpapypUe;J 10 ehl;fSf;Fs; tq;fp mf;fbjq;fs;; njhlh;gpy;
nraw;gLk;.
31.
fld; jfty; gzpafj;jpw;F mwptpf;Fk;; eilKiw
midj;J mq;fj;Jt tq;fpfs; kw;Wk; epjp epWtdq;fspy; ,Uf;ff;$ba
fld; jfty; gzpafj;jpw;F cq;fs; ngaiuAk; kw;Wk; tptuq;fisAk;
mwptpf;Fk; flg;ghL tq;fpf;F cs;sJ. ,JnthU epajpr;rl;l Njitg;ghlhFk;.
njhlh;e;Jk; nfhLg;gdTfs; nrYj;jg;glhjpUf;Fk;gl;rj;jpy;; fld; ml;il
fzf;F
,y;yhnjhopf;fg;gLk;.
nrYj;jNtz;ba
Fiwe;jgl;r
epYit
cldbahfr; nrYj;jg;glhjgl;rj;jpy; midj;Jf; nfhLf;fy; thq;fy;fSk;
epWj;jg;gLk;. mj;Jld;> Fiwepug;G ml;ilfSk; ,y;yhnjhopf;fg;gLk;. ml;il
,y;yhnjhopf;fg;gl;lJk;
mjid
cldbahf
mopj;JtpLk;gb
ml;il
itj;jpUg;gth; Njig;gLj;jg;gLfpd;whh;.
fld; ml;il ,y;yhnjhopf;fg;gLtjd; tpisTfs; tUkhW:
(m) ml;il kPs toq;fg;gl khl;lhJ.
(M)];lhd;lh;l; rhHl;ll; tq;fpahy; jw;NghJ toq;fg;gLk; ve;jnthU trjpAk;
cldbahf ,ilepWj;jg;gLk;/ ,y;yhnjhopf;fg;gLk;.
(,) nrYj;jg;gl Ntz;ba Fiwe;jgl;r fl;lzk; Vw;Gilj;jhf khl;lhJ.
mj;Jld;>
epYitahfTs;s
njhj;jj;
njhifAk;
cldbahf
nrYj;jg;gl Ntz;Lk; vdf; Nfhug;gLk;.
123
(<) vy;yh
tq;fpfsplKk;; epjp epWtdq;fSld; cs;s fld; jfty;
gzpafj;jpw;F cq;fs; ngaiuAk Vida tptuq;fisAk; mwptpf;Fk;
flg;ghl;il tq;fp nfhz;bUf;fpd;wJ.
(c) ePq;fs;
jw;NghJ Vida tq;fpfSlDk; epjp epWtdq;fSlDk;
nfhz;bUf;Fk;/vjph;fhyj;jpy;
nfhz;bUf;ff;$ba
cwit
,J
ghjpf;fyhk;.
(C) tq;fp
jdJ eyd;fis ghJfhg;gjw;fhf
Nkw;nfhs;tjw;F eph;g;ge;jpf;fg;gLk;.
rl;l
eltbf;iffis
32. fUj;Jj; njhptpj;jYk; MNyhridfSk;
vkJ Nritfs; gw;wp cq;fs; fUj;Jf;fisj; njhptpf;fj; jtwNtz;lhk;.
cq;fs; MNyhridfs; cqfSf;fhd vkJ Nritfis Nkk;gLj;j cjTk;.
vitNaDk; MNyhridfs;> ghuhl;Lf;fs; my;yJ Kiwg;ghLfSf;F gpd;tUtd
Clhf vk;Kld; njhlh;Gnfhs;syhk;:
24 kzpj;jpahy gpuj;jpNaf ,izg;G: 2480480
kpd;dQ;ry;: [email protected]
,izaj;jsk;: www.standardchartered.com/lk
Kiwg;ghL nra;ag;gl;l/tq;fpahy; ngwg;gl;l 10 ehl;fs; nfhz;lnthU
fhyg;gFjpf;Fs; cq;fs; Kiwg;ghLfis ehk; fUj;jpf;nfhs;Nthk;.
];lhd;lh;l; rhHl;ll; fld; ml;il itj;jpUg;gth;;fSf;F toq;fg;gLk;
jpl;lq;fs; njhlh;ghd epajp epge;jidfs;
1.0 tpRthrj; jpl;lk; - Nghd]; Gs;spfs; jpl;lk; kw;Wk; gpsl;bdk;
ntFkjp Gs;spfs;
tiutpyf;fzq;fSk; nghUl;NfhlYk;
1.1
,e;j
epajp
epge;jidfspy;
re;jh;g;gk;
NtW
tifahf
Njitg;gLj;jpdhyd;wp
epajpfSk;
epge;jidfSk;
$Wk;
tiutpyf;fzq;fSk; nghUl;Nfhly;fSk;.
~tq;fp| vd;gJ ];lhd;lh;l; rhHl;ll; tq;fp mjd; gpd;Dhpikahsh; my;yJ
rhl;Ljy; ngWeiuf; Fwpf;Fk;.
~mYty; jpdk;| ];lhd;lh;l; rhHl;ll; tq;fp mYty;fSf;fhd jpwe;jpUf;F;
jpdk;.
~ml;il itj;jpUg;gth;;| vd;gJ> fld; ml;ilia nrhe;jkhf itj;jpUf;Fk;
tq;fpapd; thbf;ifahsh;. fld; ml;il fzf;F mth; ngahpy; ,Ug;gJld;>
me;jf; fzf;fpd; kPJ ,lk;ngWk; nfhLf;fy; thq;fy;fs; kw;Wk;
nghWg;Gf;fSf;F mth; nghWg;ghf nghWg;ghf ,Ug;ghH. ,J Kjd;ik
kw;Wk; Fiwepug;G ml;il itj;jpUg;gth;fisAk; cs;slf;Fk;. .
~epge;jidfs;| vd;gJ fhyj;jpw;F fhyk; tq;fpahy; jpUj;jg;gLk; Nghd];
Gs;sp jpl;lj;jpd; epajpfs; kw;Wk; epge;jidfs; vd;gitahFk;.
124
~fld; ml;il| vd;gJ> $l;lhz;ik fld; ml;ilfis itj;jpUf;Fk;
ml;il itj;jpUg;gth;fisj; jtph;e;j fld; ml;il itj;jpUg;gth;fSf;F
];lhd;lh;l; rhHl;ll; tq;fpahy; tpepNahfpf;fg;gLk; xU tPrh kw;Wk; my;yJ
kh];lh; fhl; fps]pf; kw;Wk; my;yJ Nfhy;l; ml;ilfisf; Fwpf;Fk;.
midj;J tpjj;jpYk; ey;y Kiwapy; elj;jy;> kw;Wk; nfhLg;gdTfs;
epYitapy;
,y;yhjpUj;jy;
kw;Wk;
nfhLg;gdit
nrYj;Jtjpy;
jtwpiof;fhjpUf;Fk; mj;jifa thbf;ifahsh;fspd; Ntz;LNfhspd;
Nghpy; toq;fg;gl;l Nkyjpf ml;ilfisAk; cs;slf;fpapUf;Fk;.
~Nghd]; Gs;spfs;| vd;gJ> Nghd]; Gs;spfs; buf;l; nea;yhpy;
gjpf;fg;gl;lthwhd Nghd]; Gs;spfs; jpl;lj;jpd; fPo; fld; ml;il
itj;jpUg;gtUf;F toq;fg;gLk; tTr;rh;. Nghd]; Gs;spfs; jpl;l
mKypYs;s fhyj;jpd; NghJ fld; ml;il itj;jpUg;gtuhy; kPl;fg;gl;l
Gs;spfs; Fwpf;fg;gl;bUf;Fk;.
~Nghd]; Gs;spfs; jpl;lk;| vd;gJ> fhyj;jpw;Ff; fhyk; epge;jidfSf;F
mika ];lhd;lh;l; rhHl;ll; tq;fpahy; fld; ml;il itj;jpUg;gtUf;F
gad;gLk; tifapy; toq;fg;gLk; jpl;lk;.
~&gh| (RS) vd;gJ ,yq;if [dehaf Nrhryprf; Fbaurpd; rl;lg+Ht
ehzaj;ijf; Fwpf;Fk;.
~Gs;sp| vd;gJ fld; ml;il itj;jpUg;gth; fld; ml;ilia ghtpg;gjd;
Clhf Nghd]; Gs;spfs; jpl;lj;jpd; mth; gq;Fgw;Wk; NghJ mtuhy;
Nrh;f;fg;gl;L tUk; Gs;spahFk;.
~rpy;yiwf;
nfhs;tdTfs;|
vd;gJ
jdpg;gl;l
nghUl;fs;/Nritfis nfhs;tdT nra;tjhFk;.
Efh;Tf;fhf
~tq;fp| vd;gJ> ];lhd;lh;l; rhHl;ll; tq;fp my;yJ SCB
~BP| = Nghd]; Gs;sp
buf;l; nkapyh; DM
1.2
re;jh;g;gk;
NtW
tifahf
Njitg;gLj;jpdhNyad;wp
epge;jidfshdit> gpd;tUkhW ,Uf;Fk;:
,e;j
(m) xUikr; nrhw;fs; gd;ikiaAk; gd;ikr; nrhw;fs; kWjiyahfTk;
nfhs;sg;gLk;.
(M) egh;
vd;gJ
$l;lhz;ikia
my;yJ
Kaw;rpahd;ikiaAk; cs;slf;fpapUf;Fk;.
NtW
VjhtJ
(,) thrfq;fs; vd;W $wg;gLtJ ,e;j epge;jidfspd; thrfq;fshFk;.
(<)
epge;jidfs;> buf;l; nkapyh; my;yJ Nghd]; Gs;spj;jpl;;lk;
njhlh;gpy; tq;fpahy; ntspaplg;gLk; Vida Mtzk; vd;gd
epge;jidfs;> buf;l; nkapyh; my;yJ ];lhd;lh;l; rhHl;ll; tq;fpahy;
fhyj;jpw;Ff;
fhyk;
jpUj;jg;gl;l
Nkyjpf
my;yJ
gpujpaPL
nra;ag;gl;l NtW Mtzq;fs;.
(c) ,e;j epge;jidfspy; ];Nld;lh;l; rhh;ll; tq;fpia my;yJ fld;
ml;il itj;jpUg;gth; xUtiu> buf;l; nkapyiu> my;yJ Nghd];
Gs;spfs; epfo;r;rpj; jpl;lk; njhlh;gpy; ];Nllh;l; rhh;l;ll; tq;fpahy;
ntspaplg;gLk; NtW VNjDk;
Mtzj;ijg; gw;wpa Fwpg;gPL
jpwj;jthpd; epiwNtw;Weh;> epHthfp> gjpyhs;> gpd;Dhpikahsh;fs;
kw;Wk;
mDkjpf;fg;gl;l
xg;gil
ngWeh;fs;
MfpNahiuAk;
cs;slf;Fk;.
125
1.3
,e;j epge;jidfspy; Mw;Wg;gLj;Jif trjpf;fhfNt
gad;gLfpd;wd. mit> nghUl;Nfhliy ghjpf;fkhl;lhJ.
1.4
,e;j epge;jidfs; gpw;Nrh;f;fg;gl;litahFk;. mj;Jld;> mit> fld;
ml;ilfs; toq;Fk; NghJ cs;s nghJthd epajpfs; kw;Wk;
epge;jidfis
jtpHg;gjhf
vt;tifapYk;
mikahJ.
,e;j
epge;jidfSf;Fk; fld; ml;ilfs; toq;Fk; NghJ cs;s nghJthd
epajpfs; kw;Wk; epge;jidfSf;Fk; ,ilapy; Kuz;ghLfs; Njhd;wpdhy;>
fld; ml;ilfs; toq;Fk; NghJ cs;s nghJthd epajpfs; kw;Wk;
epge;jidfs; ,e;j epge;jidfis ePf;Fk;.
2.
gq;fspg;G
2.1
fld; ml;ilia ghtpg;gjpy; ek;gpf;if Neh;ikAlDk;> flidj; jpUg;gpr;
nrYj;Jk;
Neh;ikAlDk;
ele;Jnfhs;Sk;
fld;
ml;il
itj;jpUg;ghsh;fSf;F ntFkjpaspf;Fk; tifapy; ];lhd;lh;l; rhHl;ll;
tq;fpahy; cUthf;fg;gl;l jpl;lNk Nghd]; Gs;spfs; jpl;lkhFk;. fld;
ml;il itj;jpUg;gth; Gs;spfis Nrh;j;J Nghd]; Gs;spfSf;fhf
mtw;iw kPl;gjw;F mtUf;F trjpaspf;Fk; jpl;lNk ,JthFk;.
epge;jidfSf;F mika buf;l; nkapyhpy; (DM) Nghd]; Gs;spfs;
tpghpf;fg;gl;Ls;sd.
2.2
,e;j
jpl;lj;jpy;
gq;Fgw;WtJ
typjhd
fld;
ml;ilfis
nfhz;bUg;gJld;>
tq;fpAld;
rfy
tpjj;jYk;
ey;y
Kiwapy;
ele;Jnfhs;Sk;
fld;
ml;il
itj;jpUg;gth;fSf;F
kl;Lk;
tiuaWf;fg;gl;Ls;sJ. mj;Jld;> ,e;jf; fld; ml;il itj;jpUg;gth;
nrYj;jg;gl Ntz;ba nfhLg;gdtpd; epYitia my;yJ Fwpg;gpl;l
fhyj;jpy; gzk; nrYj;jj; jtwpa gpioia Ghpe;jpUf;ff; $lhJ.
2.3
$l;lhz;ik fld; ml;ilfis itj;jpUf;Fk; ml;il itj;jpUg;ghsh;fs;
jtph;e;j midj;J fld; ml;il itj;jpUg;ghsh;fSk; ,e;jj; jpl;lj;jpy;
gq;Fgw;Wk; jifikiaf; nfhz;Ls;shHfs;.
2.4
xt;nthU fld; ml;il itj;jpUg;gtUk; ,e;j Nghd]; Gs;spj; jpl;lj;jpy;
gq;Fgw;wj; jhdhfNt jFjp ngWfpwhH. Kjy; nfhLf;fy; thq;fy;
eilngWk; jpdj;jpy; ,Ue;J Gs;spfs; Nrh;f;fg;gLk;. fld; ml;il
itj;jpUg;gth; jkJ fld; ml;ilfs; nraw;gl Muk;gpj;J tpisT
ngwj;njhlq;FtJ Kjy; ,j;jpl;lj;jpy; gq;Fgw;wyhk;.
2.5 (m)
jiyg;Gf;fs;
Nghypahd rhpaw;w my;yJ Nkhrbahd fld; ml;ilf; nfhLf;fy
thq;fy; ele;Js;s NghJ
(M) ve;jnthU fld; ml;il nfhLf;fy; thq;fypd; tpguq;fs; Jy;ypak;
kw;Wk; njhif njhlHgpy; ];lhd;lh;l; rhHl;ll; tq;fp fld; ml;il
itj;jpUg;gth;>
rpy;yiw
tpahghhp
my;yJ
NtW
ve;j
jpwj;jtUf;fpilapYk; gpzf;F Vw;gLk; NghJ
(,) nfhLg;gdT Nehf;fq;fSf;fhf ve;jnthU fld; ml;il nfhLf;fy;
thq;fypdJk; typJilik Fwpj;J ve;jnthU fhuzj;jpw;fhfTk;
rthy;tpLk; epiyik Vw;gLk; NghJ>
];lhd;lh;l; rhHl;ll; tq;fp> ve;jtpjkhd Gs;spAk; toq;fg;gl khl;lhJ.
tprhuizfis mLj;J> nfhLf;fy; thq;fy; typjhdJ> rfy tpjj;jpYk;
rhpahdJ vd ];lhd;lh;l; rhHl;ll; tq;fp jPHkhdpf;Fkhapd; me;jf; nfhLf;fy;
thq;fy;fSf;fhd Gs;spfs; fld; ml;il itj;jpUg;gtUf;F toq;fg;gLk;.
126
2.6
];lhd;lh;l; rhHl;ll; tq;fpahy; NtW tifahy; jPHkhdpf;fg;gl;lhNyad;wp>
fld; ml;il itj;jpUg;gtuhy; fld; ml;il toq;Fk; NghJ cs;s
epge;jidfs; vJTk; kPwg;gl;lhy;> ,e;j Nghd]; Gs;sp jpl;lj;jpy; mth;
gq;Fgw;Wtjw;fhd jifikia ,oe;JtpLthH;. mj;Jld;> mtuhy;
mJtiu Nrh;f;fg;gl;L te;j Gs;spfs; cldbahf gwpKjy; nra;ag;gLk;.
2.7
fld; ml;il itj;jpUg;gth; fld; ml;ilia my;yJ Nkyjpf fld;
ml;ilia ,uj;Jr; nra;a tpUk;gpdhy;> Nghd]; Gs;sp jpl;lj;jpy;
ngwg;gl;l Gs;spfis ghtpg;gJ ,e;j ,uj;jhf;fYf;F Kd;dh; ,lk;ngw
Ntz;Lk;. fld; ml;ilia ,uj;jhf;fypd; NghJ ,Uf;Fk; Nrh;f;fg;gl;l
Gs;spfs; cldbahf gwpKjy; nra;ag;gLk;.
2.8
fld; ml;ilAld; njhlHGgl;l Nrh;f;fg;gl;l Gs;spfs;
fhyhtjpahdJk; cldbahf gwpKjy; nra;ag;gLk;.
3.
Nghd]; Gs;spfs;
3.1
Nghd]; Gs;sp jpl;lk; mKypy; ,Uf;Fk; NghJ fld; ml;il
itj;jpUg;gth; fld; ml;ilia ghtpj;J Nkw;nfhs;Sk; rpy;yiw
nfhs;tdTfspd; ngWkjp njhlHgpNyNa Gs;spfs; Nrh;f;fg;gLk;. ,e;jr;
rpy;yiw nfhs;tdTfspy; jpUg;gp mDg;gg;gLk; nghUl;fSf;fhd ngWkjp
fopf;fg;gLk;.
3.2
fld; ml;il itj;jpUg;gth; gz Kw;gzq;fs; ngWjy; my;yJ kPsg;
ngWjy;> Mz;L fl;lzk;> tl;b my;yJ epjpf; fl;;lzq;fisr;
nrYj;Jjy;> fld; ml;ilf;fhd nfhLg;gdTfisr; nra;jy;> gz
Kw;nfhLg;gdTfs; my;yJ kPsg; ngWjy;fs; kPjhd VjhtJ fl;lzq;fs;>
epuhfhpf;fg;gl;l fhNrhiy my;yJ fld; gjpyPl;Lf; fld; ml;ilfSf;fhd
myyJ Fiwepug;G ml;ilfSf;fhd nfhLg;gdTfs; kPJ mwtplg;gLk;
fl;lzq;fs;> my;yJ khw;Wf; fld; ml;ilfs; my;yJ Nkyjpf fld;
ml;ilfSf;fhd
fl;lzq;fs;>
fhg;GWjp
kw;Wk;
cw;gj;jpg;nghUs;
fl;Lg;gzq;fs; my;yJ VNjDk; tifahd epjp rhh;e;j jz;lg; gzq;fs;.
$l;bizg;G/njhopw; nrytpdq;fs; mj;Jld;/my;yJ fld; ml;ilia
tHj;jf Nehf;fq;fSf;fhf ghtpj;jy;> Vidath;fspilNa #jhl;lk;/ge;jak;
vd;gtw;Wf;Fg; ghtpj;jy; njhlh;gpy;; Gs;spfs; vitAk; jpuskhl;lh.
Nghd]; Gs;sp jpl;lj;jpd; fPo; (BP) jpl;lj;jpd;fPo; Gs;spfSf;Fj;
jifikngWk; fld; ml;ilf; nfhLf;fy;thq;fy;fspd; tiffis
mwptpj;jy;%yk; tq;fp NtWgLj;jyhk;.
3.3
tq;fpahy; toq;fg;gLk; NtW VjhtJ tpNrl nryT Cf;Ftpg;Gj;
jpl;lq;fspd; NghJ ,e;j Nghd]; Gs;spj; jpl;lk; Vw;Gilj;jhf khl;lhJ.
3.4
mtrpag;gbd; nfhLf;fy; thq;fy;fshdJ> rpy;yiw nfhs;tdTfSf;F
mg;ghw;gl;ljhf
tq;fp
mgpg;gpuhag;gLkplj;J>
VjhtJ
nfhLf;fy;
thq;fy;fis ep&gpg;gjw;fhd Nkyjpf Mtzq;fis toq;FkhW fld;
ml;il itj;jpUg;gtiuf; NfhUk; chpikia tq;fp jd;dfj;Nj
nfhz;Ls;sJ.
3.5
];lhd;lh;l; rhHl;ll; tq;fpahy; 5.5 thrfj;jpw;F mikthf> NtW tifahy;
jPHkhdpf;fg;gl;lhNyad;wp> rpy;yiw nfhs;tdTf;fhf fld; ml;il
itj;jpUg;gth;> Nghd]; Gs;spj; jpl;lk; mKypy; cs;s NghJ fld; ml;il
%yk; nryT nra;Ak; xt;nthU 100 &ghTf;Fk; xU Gs;spiaj; jpul;Lthh;.
Fwpj;j khjj;jpy; Nkw;nfhs;sg;gLk; rpy;yiw nfhs;tdTfspd; nkhj;j
127
fld;
ml;il
ngWkjpf;F Vw;g khjhe;j mbg;gilapy; Gs;spfs; jpuSk;;. fzf;Ff;
$w;Wf;
fhyg;gFjpapy;
jpul;lg;gl;l
Gs;spfis>
fld;
ml;il
itj;jpUg;gth; Vw;fdNt jpul;ba Gs;spfSld; Nrh;j;J
];lhd;lh;l;
rhHl;ll; tq;fpahy; toq;fg;gLk; khjhe;j fld; ml;ilf; fzf;Ff; $w;wpy;
Fwpg;gplg;gLk;. fld; ml;il itj;jpUg;gtUf;F ve;jtpj Kd;dwptpj;jYk;
nra;ahky;>
nrytplg;gLk;
ngWkjpf;F
toq;fg;gLk;
Gs;spfspd;
tpfpjhrhuj;ij ve;jnthU NtisapYk;> khw;Wtjw;fhd chpikia tq;fp
nfhz;Ls;sJ.
3.6
];lhd;lh;l; rhHl;ll; tq;fpahy; NtW tifapy;; jPhkhdpf;fg;gll;lhyd;wp
xt;nthU Nghd]; Gs;spj; jpl;lKk; Fwpg;gpl;l fhyg;gFjpf;F kl;LNk
nry;YgbahFk;. ];lhd;lh;l; rhHl;ll; tq;fp jdJ jw;Wzpgpd; Nghpy;
xt;nthU Nghd]; Gs;sp jpl;lj;jpd; fhy msitAk;; jPh;khdpf;Fk;.
mj;Jld; jpl;lj;ij kPsg;ngWk;
ngWk; chpikiaAk; nfhz;Ls;sJ.
jpl;lj;ij kPsg;ngWk;ngWk; NghJ ml;il itj;jpUg;gth; jdJ Nghd];
Gs;spfis kPl;gjw;F fPNo Fwpg;gplg;gLk; 3.7 gphpTf;F mikthf
epahakhd fhyk; toq;fg;gLk;.
3.7
Nghd];
Gs;sp
jpl;lk;
mKypYs;s
fhyj;jpy;
fld;
ml;il
itj;jpUg;gthpdhy; Gs;spfs; jpul;lg;gl;L mg;Gs;;spfis Nghd]; Gs;sp
gq;fhsuhd
tpw;gid epiyaq;fspy; me;jg; Gs;spfis Nghd];
Gs;spfSf;F kPl;f KbAk;. Nghd]; Gs;sp jpl;l fhyg;gFjpapd; Kbtpy;
Nghd]; Gs;spfSf;F kPl;fg;glhj Gs;spfs; gwpKjy; nra;ag;gLk;.
tq;fpapd; Vf jw;Wzpgpd;gb mjidj; njhlh;e;J tUk; kw;nwhU Nghd];
Gs;sp jpl;l fhyg;gFjpf;F Kd;ndLj;Jr; nfhz;Lnry;y KbahJ.
3.8
ml;il itj;jpUg;gth; Fiwepug;G ml;ilAld; ,ize;Js;s Kjdpiy
ml;ilnahd;iwf; nfhz;bUf;Fkplj;J Nghd]; Gs;spfisf; fzpg;gpLk;
Nehf;fj;jpw;fhfTk; kPl;Fk; Nehf;fj;jpw;fhfTk;
Kjdpiy ml;ilapYk;
Fiwepug;G
ml;ilapYk;
jpuz;l
Gs;spfs;
Nghd;];
Gs;sp
chpj;Jilikfisf; fzpg;gpLk; Nehf;fj;jpw;fhf $l;L nkhj;jkhfj;
jpul;lg;gLk;. vdpDk; mj;jifa re;jh;g;gq;fspy; Kjdpiy ml;il
itj;jpUg;gth; kl;LNk (Fiwepug;G ml;il xd;iw itjpUg;gth; my;y)
Nghd]; Gs;spfSf;Fj; jpuz;l Gs;spfis kPl;fyhk;. fld; ml;il
itj;jpUg;gthplk; ,uz;L my;yJ mjw;F Nkw;gl;l ntt;NtW ml;ilfs;
,Ug;gpd; mj;jifa xt;nthU fld; ml;ilapd; kPJk; jpusf;$ba
Gs;spfs;
Gwk;ghfTk;
jdpNtwhdjhfTkpUf;Fk;.
ve;jnthU
Nehf;fj;jpw;fhfTk; mit xd;W jpuskhl;lh.
3.9
rk;ghjpf;fg;gl;l Gs;spfis gzkhf khw;wNth tpw;fNth ifkhw;wNth
NtW tifapy; xU fld; ml;il itj;jpUg;gthplk; ,Ue;J NthnwhU
MSf;F/(Ml;fSf;F); rhl;Ljy; nra;aNth KbahJ. Nghd]; Gs;spfis
kPl;Fk;
cWjpr;rPl;L/$g;gid jpUg;gpf; ifaspf;fNth my;yJ fhrhf
khw;wPL nra;;aNth my;yJ fld; ml;il itj;jpUg;gthpdhy; kw;nwhU
Nghd]; Gs;spia kPl;Fk; NtnwhU cWjpr;rPl;Lf;F/$g;gDf;Fg; gjpyPL
nra;aNth KbahJ.
3.10 fld; ml;il itj;jpUg;gth; njhlh;ghd jfty;> ml;il itj;jpUg;gtuhy;
jpul;lg;gl;l Gs;spfs;> Nghd]; Gs;sp gq;fhshpd; jfty; vd;gd cl;gl
];lhd;lh;l; rhHl;ll; tq;fpahy; itj;jpUf;fg;gLk; vy;yh Nghd]; Gs;sp
jpl;lj;
juTfSk;
gjpNtLfSk;
,WjpahditahfTk;
ml;il
itj;jpUg;gth;kPJ gpzpf;fpd;witahfTk; ,Uf;Fk;. ];lhd;lh;l; rhHl;ll;
tq;fpapd; Nghd]; Gs;sp jpl;lk; rhh;e;j juTfspd; my;yJ gjpTfspd;
128
nry;YgbahFk;jd;ikia my;yJ nrk;ikia
Nehf;fj;jpw;F
Ml;Nrgid
nra;tjw;F
chpj;Jilatuhfkhl;lhh;.
vj;jd;ikaJkhd VNjDk;
ml;il
itj;jpUg;gth;
3.11 tq;fpf;F miog;ig vLf;Fk; NghJ> mt;thW miog;ig vLg;gth;
cz;ikahd
fld;
ml;il
itj;jpUg;gtuh
vd;gij
milahsg;gLj;jpf;nfhs;tjw;F mtrpakhd jfty;fis toq;FkhW mth;
Njitg;gLj;jg;gLthh;.
milahsk;
rhpghh;f;fg;gl;lgpd;dh;
ml;ilia
kPl;gjw;fhd
tpUg;Gj;
njhpT
toq;fg;gLk;.
ml;il
itj;jpUg;gtUf;F/thbf;ifahsUf;F mwptpj;jy; vJTkpd;wp Gs;spfspd;
kPl;Gf;fhd tpUg;Gj; njhpTfSld; vjidAk Nrh;g;gjw;fhd my;yJ
mfw;Wtjw;fhd chpikia tq;fp nfhz;bUf;Fk;.
3.12 ];lhd;lh;l; rhHl;ll; tq;fpapd; Nghd]; Gs;spfis kPl;f Muk;gpg;gjw;F
cq;fs; trk; Fiwe;jgl;rk; 2600 Gs;spfs; jpuz;bUg;gJ mtrpakhFk;.
];lhd;lh;l; rhHl;ll; tq;fpapd; tPrh> gpsl;bdk; fld; ml;ilfSf;fhf
Fiwe;jgl;rk;
5100
gpsl;bdk;
rd;khdg;
Gs;spfis
ePq;fs;
jpul;bapUf;fNtz;Lk;. ve;jnthU Neuj;jpYk; mtrpag;gLk; Fiwe;jgl;r
Gs;spfspd; vz;zpf;ifia khw;Wk;; chpikia tq;fp nfhz;Ls;sJ.
Fiwe;jgl;r Gs;spfspd; vz;zpf;ifapy; khw;wk; vjidAk; gw;wp mJ
eilKiwg;gLj;jg;gLtjw;F 10 jpdq;fSf;F Kd;ghf mjidg; gw;wp fld;
ml;il itj;jpUg;gth;fSf;F mwptpf;fg;gLk;.
3.13 Nghd]; Gs;spj;jpl;lk; xU tUlj;jpw;F nry;Ygbahdjhf ,Uf;Fk;. mjd;
gpd;dh; mjid ePbg;gJ Fwpj;J tq;fp jPHkhdpf;Fk;.
3.14 kPl;Gf;fhd
Ntz;LNfhs;
tpLf;fg;gl;L
mJ
nray;Kiwf;F
cl;gLj;jg;gl;ljd;gpd;dh; mJ ,y;yhnjhopf;fg;glNth khw;wg;glNth khl;lhJ.
3.15 ];lhd;lh;l; rhHl;ll; tq;fpaplk; ,Ue;J kPl;Gf;fhf ngw;Wf;nfhs;sg;gLk;
midj;J cWjpr;rPl;LfSk;/$g;gd;fSk; mit toq;fg;gl;l jpdj;jpy;
,Ue;J 30 ehl;fs; tiu nry;Ygbahditahd ,Uf;Fk;. ,e;jf;
fhyg;gFjpf;Fs;NsNa mtw;iw kPl;fyhk;. nry;Ygbahd fhyg;gFjpf;Fs;
kPlfg;glhj vy;yh kPl;G cWjpr;rPl;LfSk;/$g;gd;fSk; twpjhtJld;
mit khw;wPL nra;;ag;glTk; khl;lh.
3.16 Nghd];
Gs;spfis
rk;ghjpj;jy;
kw;Wk;
Nrh;j;jy;
my;yJ
cWjpr;rPl;Lfis/ $g;gd;fis kPl;nlLj;jy; njhlHgpy; VNjDk; Nkhrb
my;yJ;
mj;jia
vj;jdpg;Gfs;
,lk;ngwpd;
tq;fpahy;
ml;il
gpbj;Jitf;fg;gLjYf;F/,y;yhnjhopf;fg;gLjYf;F
Nkyjpfkhfj;
jpul;lg;gl; Nghd]; Gs;spfSk; gwpKjy; nra;ag;gLk;.
3.17 kPl;Gr; nra;af;$ba Nghd]; Gs;sp cWjpr;rPl;Lfs;/$g;gd;fs; &gh 2500
kw;Wk; 5000 ngWkjpapy; fpilg;gJld; mg;ngWkjpapNyNa kPl;fTk;glyhk;.
3.18 ve;j NtisapYk; Fiwe;jgl;rk; 100 Gs;spfis fzf;fpy; guhkhpj;J
tuNtz;Lk;.
3.19 Gs;spfs; kPl;fg;gl;lJk; thbf;ifahsh; kPl;Gf;fhd Ntz;LNfhs; tpLf;Fk;
Neuj;jpy; me;;je;j ml;il itj;jpUg;gthpd; Gs;spfSf;fhd chpj;jpd;
gjpNtl;bypUe;J Gs;spfs; mopf;fg;gLk;/ePf;fg;gLk;.
129
3.20 ve;jnthU fhuzj;jpw;fhfTk; Fwpg;gpl;l nfhLf;fy; thq;fy; Fwpj;J
gpzf;F Vw;gl;lhy; my;yJ jpUg;gp mwtplg;gl;lhy; my;yJ jpUg;gg;gl;lhy;
mj;jifa nfhLf;fy; thq;fy; %yk; jpul;lg;gl;l Gs;spfs; tq;fpahy;
xJf;fpitf;fg;gLk;. xU Fwpg;gpl;l nfhLf;fy; thq;fy; Nkw;nfhs;sg;gl;L
Gs;spfs;
kPl;fg;gl;L>
mjd;gpd;dh;
gpzf;Nfh
my;yJ
jpUg;Gjy;
nra;ag;glNtz;b Vw;gLkplj;J fld; ml;il itj;jpUg;gtuhy; ];lhd;lh;l;
rhHl;ll; tq;fpapy; Ngzg;gLk; fld; ml;ilf; fzf;fpy; my;yJ NtW
VNjDk; fzf;fpy; mwtPL nra;ag;gl;Ltjd;%yk; mj;jifa nfhLf;fy;
thq;fypd; fhuzkhf kPl;fg;gl;l Nkyjpfg; Gs;spfSf;Fr; rkkhd &ghit
mwtpLk; chpikia tq;fp nfhz;Ls;sJ. mj;jifa re;jh;g;gq;fspy;
chpikf;Nfhhpf;ifnahd;W nra;ag;gLk;gl;rj;jpy; ml;il itj;jpUg;gthpd;
fzf;Ff; $w;wpy; fhl;lg;gLk; mLj;j nfhLg;gdT jpfjpastpy; tUkjpahd
mj;jifa njhiffis nrYj;jpj; jPh;g;gjw;F ml;il itj;jpUg;gth;
cld;gLfpd;whh;
3.21 cWjpr;rPl;il/$g;gid Nghd]; Gs;sp gq;fhsp xUth; kPl;gjid
epuhfhpf;Fkplj;J mJ Fwpj;J fld; ml;il itj;jpUg;gth; cldbahf
tq;fpf;F 2480480 vd;w njhiyNgrp ,yf;fj;jpw;F mwptpf;f Ntz;Lk;.
4.
Nghd]; Gs;sp buf;l; nkapyUk; gq;fhspfSk;
4.1
];lhd;lh;l; rhHl;ll; tq;fp Nghd]; Gs;spj; jpl;lk; eilKiwapypUf;Fk;
fhyj;jpy; BP DM Mtzq;fis fhyj;jpw;Ff; fhyk; ntspapLk;. fld;
ml;il itj;jpUg;gth;> Gs;spfis kPl;Fk; jpfjpapy; eilKiwapypUf;Fk;
Nghd]; jpl;;lg; gq;fhspfsplkpUe;J kl;LNk Nghd]; Gs;spj; jpl;;lk;
mKypy; ,Uf;Fk; Ntisapy; Gs;spfis kPl;f KbAk;.
4.2
midj;J Nghd]; Gs;spfSk; mit fpilf;Fk; jd;ikiag; nghWj;jJ
vd;gJld;>
Nghd];
Gs;sp
jpl;;lj;jpw;fhd
gq;fhspfs;
tiuaWf;fg;gl;lth;fs;
vd;gijAk;
fld;
ml;il
itj;jpUg;gth;
Vw;Wf;nfhs;fpd;whH. Nghd]; Gs;spg; gq;fhspfs; vthpdJk; Nrit
jPh;e;Jtpl;lhy; mjw;Fg; gjpyhf mNjNghd;w jahhpg;G/Nritg; gq;fhspahy;
tq;fp Kd;dtiu gpujpaPL nra;a khl;lhJ. gq;fhspg; gphpT mjDld;
Kbe;JNghFk;. Nghd]; Gs;spj;jpl;lg; gq;fhsp epWtdq;fis jpl;l
fhyg;gFjpapy; Nrh;f;Fk; my;yJ ePf;Fk; mjpfhuk; tq;fpf;F cz;L. ,e;jr;
Nrh;j;jy;fs; my;yJ ePf;fq;fs; Fwpj;J fld; ml;il itj;jpUg;gtUf;F
mwpTWj;jg;gLk;. Nghd]; jpl;lg; gq;fhspapd; Nrit fpilf;fhkw;NghFk;
gl;rj;jpy; ];lhd;lh;l; rhHl;ll; tq;fpf;F fld; ml;il itj;jpUg;gth;kPJ
ve;jg; nghWg;GilikAk; flg;ghl;ilAk; nfhz;bUf;fkhl;lhJ. ml;il
itj;jpUg;gth; ,y;yhnjhope;j Nghd;]; Gs;spg; gq;fhshpkpUe;J Gs;spfis
kPl;f Kaw;rpf;Fkplj;J me;j ml;il itj;jpUg;gtUf;Fs;s xNu chpj;J
mjidnahj;j vz;zpf;ifapdjhd Gs;spfSf;F khw;W Nghd]; Gs;sp
kPl;G tpUg;Gj;njhpitg; gpuNahfpg;gNj vd;w epfo;T gw;wp tq;fp ml;il
itj;jpUg;gtUf;F mwptpf;Fk;.
4.3
NtW VjhtJ tpRthr> rd;khd my;yJ Mjhaj;
,izg;ig Vw;gLj;Jk; chpikia tq;fp nfhz;Ls;sJ.
4.4
Nghd]; Gs;sp kPl;G cWjpr;rPl;Lf;fSf;fhd/$g;gd;fSf;fhf Nghd];
Gs;spfis kPl;gJ cs;spl;l Nghd]; Gs;sp jpl;lk; njhlHgpy; midj;J
tprhuizfisAk; njhlHGfisAk; ];lhd;lh;l; rhHl;ll; tq;fpaplk; fld;
ml;il itj;jpUg;gth; njhiyNgrp> njhiyefy;> kpd;dQ;ry; kw;Wk; fbjk;
%yk; fhyj;jpw;Ff; fhyk; Nkw;nfhs;syhk;.
130
jpl;lq;fSld;
4.5
Nghd]; Gs;sp kPl;G tTr;rh;fs;/$g;gd;fs; fld; ml;il itj;jpUg;gthpd;
fld; ml;il fzf;F ,yf;f tpiyg;gl;bay; Kfthpf;F jghy; my;yJ
xg;gilj; J}Jth;; Nrit %yk; mDg;ggg;Lk;. ,J jtpu NtW ve;j
Kfthpf;Fk; mDg;gg;gl khl;lhJ.
4.6
Nghd]; Gs;sp cWjpr;rPl;Lfs;/ $g;gd;fs; mDg;gg;gLk;NghJ mit
fhzhkw;NghFk;gl;rjpy;; my;yJ mtw;Wf;F Nrjk; Vw;gl;lhy; mjw;fhf
];lhd;lh;l; rhHl;ll; tq;fp ve;jg; nghWg;igAk; nfhz;bUf;fkhl;lhJ.
vdpDk;> Nghd]; Gs;sp cWjpr;rPl;Lfs;/ $g;gd;fs; fld; ml;il
itj;jpUg;gth; Nrjkile;j epiyapy;; fpilf;fg;ngw;why; mt;thW mth;
mjidg;ngw;Wf;nfhz;l %d;W ehl;fSf;Fs; nfhOk;gpYs;s ];lhd;lh;l;
rhHl;ll; tq;fpapd; fld; ml;il Nritf;F jpUg;gp mDg;Gk;gl;rj;jpy;
fpilf;Fk; jd;ikiag; nghWj;J ];lhd;lh;l; rhHl;ll; tq;fp NrjKw;w
Nghd];
Gs;sp
cWjpr;rPl;LfSf;F/$g;gd;fSf;Fg;
gjpyhf
khw;W
cWjpr;rPl;Lfis /$g;gd;fis fld; ml;il itj;jpUg;gtUf;F toq;Fk;.
4.7
fld;
ml;il
itj;jpUg;gtUf;F
Nghd];
Gs;sp
cWjpr;rPl;Lfis/$g;gd;fis
mDg;gp
itg;gjw;fhd
Vw;ghLfisr;
nra;tjw;F nfhOk;gpYs;s ];lhd;lh;l; rhHl;ll; tq;fpapd; fld; ml;il
Nritf;F 7 Ntiy ehl;fs; gpbf;Fk; vd vjph;ghHf;fg;gLfpwJ. tpiuthf
fpilf;fr;
nra;tjw;F
];lhd;lh;l;
rhHl;ll;
tq;fp
Kaw;rpfis
Nkw;nfhs;Sk;
mNj
Ntisapy;
mt;thW
Nghd];
Gs;sp
cWjpr;rPl;Lfis/$g;gd;fis nray;Kiwg; gLj;Jtjpy; my;yJ fld;
ml;il itj;jpUg;gtUf;F mDg;gp itg;gjpy; Vw;gLk; jhkjj;jpw;F tq;fp
nghWg;Ngw;f khl;lhJ.
4.8
Nghd];
Gs;sp
cWjpr;rPl;Lfis/$g;gd;fis
ngw;Wf;nfhz;L
gad;gLj;JtJ fld; ml;il itj;jpUg;gthpd; jdpg;gl;;l ,lhpd; kPJ cs;s
tplakhFk;. ve;jnthU Nehf;fj;jpw;fhfTk; Nghd]; Gs;sp kPl;ig
gad;gLj;Jtjd; tpisthf mjid itj;jpUg;gtUf;Nfh my;yJ NtW
ve;j MSf;Nfh my;yJ nrhj;Jf;fSf;Nfh Vw;gLk; ve;jnthU ,og;G>
Nrjk; my;yJ CWf;F ];lhd;lh;l; rhHl;ll; tq;fp nghWg;ghspahf
khl;lhJ. Nghd]; Gs;sp gq;fhsh;fshy; toq;fg;gLk; nghUl;fs;/ Nritfs;
njhlh;ghd tzpfg;nghUl;fSf;F mj;Jld;/my;yJ fpilf;Fk; jd;ikf;F
];lhd;lh;l; rhHl;ll; tq;fp nghWg;Ngw;fhJ.
4.9
BP DM ,y; cs;s Nghd]; Gs;sp kPl;Gj; njhpthdJ> Nghd]; Gs;spg;
gq;fhspahy; ];lhd;lh;l; rhHl;ll; tq;fpf;F toq;fg;gLk; jftypd;
mbg;gilapyhdjhFk;. Nghd]; Gs;sp kPl;gpd; gpd;dh; mtrpag;gLk;
tpw;gidf;Fg; gpe;jpa Nrit njhlh;gpyhd tplaq;fs; fld; ml;il
itj;jpUg;gtUf;Fk;
Nghd];
Gs;sp
gq;fhspf;Fk;
,ilapyhd
gpuj;jpNafkhd tplakhFk;. mj;Jld;> ,J> Nghd]; Gs;sp jpl;lj;jpd; xU
gFjpahf mika khl;lhJ.
4.10 bf;fl; my;yJ cWjpr;rPl;bd; tbtpYs;s Nghd]; Gs;sp cUg;gbahdJ
];lhd;lh;l; rhHl;ll; tq;fpahy; NtW tifapy; Fwpg;gplg;gl;lhNyad;wp>
ve;jnthU ,l xJf;fy; fl;lzk;>
jq;Fkpltrjp> fhg;GWjp my;yJ
Vida fl;lzq;fs; vd;gtw;iwg; GwePf;fk; nra;Ak;. Nghd]; Gs;sp kPl;G
njhpit ghtpg;gjw;F Vw;Gilj;jhd mt;thW mwtplg;gLk; Nkyjpff;
fl;lzq;fs; fld; ml;il itj;jpUg;gtuhy; nghWg;Ngw;fg;glNtz;Lk;.
mtuhy; Nghd]; Gs;sp kPl;gpd; my;yJ ghtidf;fhf tzpfUf;F
Neubahf nrYj;jg;glTk; Ntz;Lk;.
131
4.11 Nghd]; Gs;sp kPl;G my;yJ ghtid njhlh;ghd njhpthdJ> Nghd];
Gs;sp kPl;G njhpT toq;Feh;fspd; mq;fj;Jtj; jpl;lj;jpy; fld; ml;il
itj;jpUg;gth;
gq;FngWtijg;
nghWj;jjhFk;.
fld;
ml;il
itj;jpUg;gthpd; Nghd]; Gs;sp kPl;Gf;fhd my;yJ ghtidf;fhd njhpT
me;j toq;Fehpd; mq;fj;Jt jpl;lj;jpy; fld; ml;il itj;jpUg;gth; xU
mq;fj;jtuhf
,Uf;fNtz;Lk;
vd;w
epge;jidf;F
cl;gl;ljhFk;.
mj;jifa mq;fj;Jt jpl;lq;fs;> tpkhd Nritfs;> N`hl;ly;fs; kw;Wk;
Vida Nrit toq;Feh;fshy; toq;fg;gLk; jpl;;lq;fs; vd;gtw;iw
cs;slf;fpajhfTk; mjw;F kl;Lk; tiuaWf;fg;glhjhfTk; ,Uf;Fk;.
5.
ehdhtpjk;
5.1
midj;J thpfs; my;yJ jPHitfs; my;yJ Vida mur my;yJ nghJg;
gad;ghl;Lf; fl;lzq;fs; my;yJ Nghd]; jpl;l kPl;gpd;fPo; kPl;fg;gLtJld;
my;yJ Nghd]; Gs;sp kPl;G tpUg;Gj;njhpT vtw;wpdJk; ghtidAld;
rk;ge;jg;gl;l fl;lzq;fs; vd;gd fld; ml;il itj;jpUg;gthpd;
nghWg;ghFk;. mj;Jld;> ];lhd;lh;l; rhHl;ll; tq;fp ,J njhlHgpy;
vt;tpjkhd nghWg;Gk; Vw;fkhl;lhJ.
5.2
Nghd]; Gs;sp jpl;l BP DM vjpYk; mlq;fpAs;s nrk;ikapd;ik> jtW
my;yJ gpioahd tpsf;fk; vd;gd njhlh;gpy; ];lhd;lh;l; rhHl;ll; tq;fp
vt;tpjkhd nghWg;igAk; Vw;fkhl;lhJ.
5.3
,yq;ifr; rdehaf Nrhryprf; Fbaurpd; rl;lq;fs; ,e;j epge;jidfis
MSk;.
5.4
,e;j epge;jidfspy; cs;s vJvt;thwpUg;gpDk; ];lhd;lh;l; rhHl;ll;
tq;fpahy; mjd; nrhe;j jw;Wzpgpd; Nghpy; ve;jf; fhuzj;jpw;fhfTk; ve;j
Neuj;jpYk;
(m)
(M)
Nghd]; Gs;spj;
epge;jidfis
Nghd]; Gs;spj;
itj;jpUg;gth;>
jpl;lj;ij my;yJ mjd; VjhtJ
my;yJ
jpl;lj;jpy; vtuhtJ fld; ml;il
gq;Fnfhs;tij
vOj;J %ykhd mwptpj;jy; %yk; NtWgLj;jyhk;> jphpGgLj;jyhk;
,ilepWj;jNth
my;yJ
,y;yhnjhopf;fyhk;.
mj;jifa
VNjDk;
NtWgLj;Jjy;> jphpGgLj;Jjy;> ,ilepWj;Jjy; my;yJ ,y;yhnjhopj;jy;
mj;jifa mwptpj;jypy; Fwpj;Jiuf;fg;gLk; jpfjpapypUe;J gaDWk;;. ,jd;
tpisthf fld; ml;il itj;jpUg;gtUf;F my;yJ NtW vtNuDk;
MSf;F Vw;gLk; ,og;G> my;yJ Nrjk; njhlh;gpy; ml;il itj;jpUg;gth;
kl;by; ve;jtpjkhd nghWg;igNah> flg;ghl;ilNah ];lhd;lh;l; rhHl;ll;
tq;fp nfhz;bUf;f khl;lhJ.
5.5
Nghd]; Gs;sp jpl;lj;ijr; nraw;gLj;Jk;NghJ ];lhd;lh;l; rhHl;ll;
tq;fpapd; fl;Lg;ghl;Lf;F mg;ghw;gl;l tplaq;fspd; tpisthf Vw;gLk;
jhkjk; my;yJ nraw;ghbd;ik vd;gdtw;iw ];lhd;lh;l; rhHl;ll; tq;fp
nghWg;Ngw;f khl;lhJ. ,jpy; ve;jnthU Nghd]; Gs;sp jpl;;l kPl;G njhptpd;
jahhpg;ghsh;fs; my;yJ tzpfuJk; kPwy;fs;> jtWif my;yJ
nraw;ghbd;ik
vd;gd
cs;slq;fpaJk;
mjw;F
kl;Lk;
tiuaWf;fg;glhjJk;> njhopw; gpzf;Ffs; (NtiyepWj;jk;> fjtilg;G
vd;gd Nghd;wit cs;spl;l); nja;tr; nray;fs; (jP> nts;sk;> g+fk;gk;>
nfhs;is Neha; vd;gd cs;slq;fyhf)> fytuk;> MHg;ghl;lk; my;yJ
132
Fbapay; nfhe;jspg;Gfs; my;yJ NtW VjhtJ> ];lhd;lh;l; rhHl;ll;
tq;fpapd; my;yJ vtuhtJ Nghd]; jpl;l gq;fhspapd; ,ae;jpuk;>
cgfuzk;> my;yJ gjpNtLfSf;F Vw;gLk; Nrjk; my;yJ mopT> NghH
my;yJ
VjhtJ
ehrfhu
Ntiy>
rl;lj;jpy;>
,yq;if
murhq;fj;jpd;/,yq;if kj;jpa tq;fpapd; xOq;F tpjpKiwfs; my;yJ
nfhs;iffspy; my;yJ mjd; nghUs;Nfhlypy; Vw;gLk; VNjDk; khw;wk;;>
];lhd;lh;l; rhHl;ll; tq;fpapd; Nghd]; Gs;spj; jpl;lr; nraw;ghLfspy;
ghjpg;ig Vw;gLj;Jk; NtW tplaq;fs; ];lhd;lh;l; rhHl;ll; tq;fpapd;
fl;Lg;ghl;Lf;F mg;ghw;gl;l tplaq;fshFk;. mj;jifa re;jh;g;gj;jpy;
epge;jidfSf;F mika elf;Fk; ];lhd;lh;l; rhHl;ll; tq;fpapd;
flg;ghLfs;
midj;Jk;
,ilepWj;jg;gLtJld;>
fld;
ml;il
itj;jpUg;gth; ];lhd;lh;l; rhHl;ll; tq;fpf;F vjpuhf ve;jtpj Nfhhpf;if
vOg;gNth> rl;l eltbf;if vLf;fNth chpik nfhz;bUf;fkhl;lhh;
vd;gJld; NtW tifapy; mjd; tpisTfSf;F ];lhd;lh;l; rhHl;ll;
tq;fpiag; nghWg;ghf;fTk; KbahJ. mj;jifa epiyik %d;W
khjfhyq;fSf;FNky;; njhlh;e;jpUe;jhy;
];lhd;lh;l; rhHl;ll; tq;fp
Nghd]; Gs;sp jpl;lj;ij cldbahf vOj;J %ykhd mwptpj;jy; %yk;
KbTWj;jyhk; ,e;j KbTWj;jypd; kPJ ];lhd;lh;l; rhHl;ll; tq;fp Nghd];
Gs;spj;
jpl;lj;jhy;
Vw;gLk;
midj;Jf;
flg;ghLfspy;
,Ue;Jk;
tpLtpf;fg;gLk;. mj;Jld;> fld; ml;il itj;jpUg;gtUf;F my;yJ NtW
MSf;F ve;jtpj nghWg;igAk; mJ nfhz;bUf;fhJ. ,e;jj; jpl;lk;
Kjypy; ,U tUl fhyj;jpw;F nry;Ygbahdjhf ,Uf;Fk;. mj;Jld;>
];lhd;lh;l; rhHl;ll; tq;fpapd; jw;Wzpgpd; Nghpy; ,J ePbf;fg;gLk;.
2.0
irth; tPj (0%) tl;b jtizf; nfhLg;gdTj; jpl;lk;
vkJ midj;J tzpf gq;Fjhuh; tpw;gid epiyaq;fspYk; fpilf;ff;$ba
irth;; tPj tl;b jtizf; nfhLg;gdTj; jpl;l tpz;zg;gg; gbtq;fspd;
gpd;dhy; Vw;gilj;jhd epajp epge;jidfs;
mr;rplg;gl;Ls;sd. ,e;j
irth; tPj
tl;b jtizf; nfhLg;gdTj; jpl;l epajp epge;jidfis
,q;F Fwpg;gplg;gl;bUf;Fk; epajpfs; kw;Wk; epge;jidfSld; Nrh;j;J
thrpf;fTk; nghUs;nfhs;sg;gLjYk; Ntz;Lk;.
3.0
,yF fld;
• ];lhd;lh;l; rhHl;ll; tq;fpahy; (tq;fp) fld; ml;il itj;jpUg;gtUf;F
toq;fg;gLk; ,yF fld; trjpia tq;fp ve;j NtisapYk; jdJ
jw;Wzpgpd; Nghpy; kPsg; ngwyhk; my;yJ jpUj;jyhk;.
• ve;jnthU ,yF fld; tpz;zg;gj;ijAk; Vw;Fk; my;yJ epuhfhpf;Fk;
jw;WzpG tq;fpf;F cs;sJ.
• ,yF fld; nfhLf;fy; thq;fypd; Fiwe;jgl;r ngWkjp ,yq;if &gh
10>000 .
• ,yF fld; nfhLf;fy; thq;fy;fs; ];lhd;lh;l; rhHl;ll; fld
ml;ilapy; tuT itf;fg;gl;L kj;jpa tq;fpapd; Vw;ghLfSf;F
mikthf tq;fp tiuT %yk; epakpf;fg;gl;;l tq;fpf;F mDg;gg;gLk;.
• mq;fPfhuk; fpilj;J mjpfgl;rk; 7 Ntiy ehl;fSf;Fs;
tq;fpfspd; epYitfis tq;fp nrYj;jpj; jPHf;Fk;.
Vida
• tpz;zg;gg; gbtk; mq;fPfhpf;fg;gl;ljd;kPJ> khw;wg;gl;l kpFjpf;F
Vw;gilj;jhd tl;b tPjk; khw;wg;gl;l njhiff;F khjj;jpw;F 2%
rjtPjkhFk;. vq;rpAs;s njhif kPJ eilKiwapYs;s tl;b tPjg;gb
mwtplg;gLk;.
133
• nfhLf;fy; thq;fy; ,lk;ngw;w jpfjpapy; ,Ue;J 6 khjfhyj;jpw;F 2%
rjtPjk; mwtplg;gLk;. mjd; gpd;dh; rhjhuz tq;fp tl;b tPjq;fs;
Vw;GilajhFk;.
• ,yFfld; nfhLf;fy; thq;fy; xt;nthd;wpw;Fk; ifahSk fl;lzkhf
&gh 500 cq;fs; fld; ml;ilf; fzf;fpw;F mwtplg;gLk;. vitNaDk;
epyitf; fl;lzq;fs;> jhkjkhd nfhLg;gdTf; fl;lzq;fs;> epjpf;
fl;lzq;fs; my;yJ Vida mwtPLfs;/nghWg;Gfs; jhkjkhfpaik
fhuzkhf NkNy
Fwpg;gplg;gl;l fld; ml;ilfs; njhlHgpyhd
nghWg;Gf;fs; vd;gtw;Wf;fhd nfhLg;gdTfis tq;fp Nkw;nfhs;s
khl;lhJ.
• epakpf;fg;gl;l tq;fpapy; ml;ilapypUe;J ];lhd;lh;l; rhHl;ll; fld;
ml;ilf;F ifkhw;wk; nra;ag;gl;l kPjpj; njhifapd; kPJ Nghd];
Gs;spfs;/FlySmiLes Gs;spfs; Nrh;f;fg;gl khl;lhJ.
4.0 ];kh;hl; fhNrhiy
tiutpyf;fzk;
];khh;l; fhNrhiy vd;gJ> fld; ml;il itj;jpUg;gth; thq;fpa nghUl;fs;
my;yJ ghtpj;j NritfSf;fhf fpilf;ff;$ba fld; tiuaiw ghtpj;J
nfhLg;gdTfis
Nkw;nfhs;tjw;fhf
xU
nfhLg;gdTf;
fl;lisia/fhNrhiyia epWtdk;/jdpahspd; ngahpy; tiuAkhW tq;fpf;F
Ntz;LNfhs; tpLj;J ,e;jf; nfhLf;fy; thq;fy;fis jpUg;gpr; nrYj;Jjy;
vdg;nghUs;gLk;. (cq;fs; tPl;L thliff; nfhLg;gdtpd; Nehf;fj;jpw;F
khj;jpuk;).
];khh;l; fhNrhiyapd; nfhLf;fy; thq;fy;fspd; nkhj;jg; ngWkjp>
tiuag;gl;l fhNrhiyapd; ngWkjpAld; fhNrhiyapd; ngWkjpapd; kPJ 2%
tPj Nritf; fl;lzj;ijAk; cs;slf;fpajhf ,Uf;Fk;.
epajp epge;jidfs; vd;gJ ];lhd;lh;l; rhHl;ll; tq;fpahy; (,yq;if)
toq;fg;gl;l fld; ml;ilf;F Vw;Gilj;jhd epajp epge;jidfshFk;. ];khl;
fhNrhiyapd; epajp; epge;jidfs; NkNy Fwpg;gPL nra;ag;gl;l epajp
epge;jidfSf;F NkyjpfkhditahFk;.
4.1 nghJthdit
];khl; fhNrhiyapd; Nehf;fk; ];lhd;lh;l; rhHl;ll; fld; ml;ilfspd; epajp
epge;jidfSf;fpzq;f fpilf;ff;$ba fld; tiuaiwiag; ghtpj;J fld;
ml;il itj;jpUg;gth; ngw;Wf;nfhz;l nghUl;fs; kw;Wk; NritfSf;fhf
nfhLg;gdTf; fl;lis/fhNrhiy %yk; nfhLg;gdit Nkw;nfhs;s
mtUf;F trjpaspg;gjhFk;.
4.2 jifik
];khl; fhNrhiyahdJ epajp epge;jidfSf;F mikthf fld; ml;il
itj;jpUg;gth; ey;y epiyikapypUj;jy;
kw;Wk; mtuJ fld; ml;il
fzf;fpy; fld; tiuaiwf;Fs; fld; ngWk; trjp ,Ug;gJ vd;gijg;
nghWj;J toq;fg;gLk;. epajp; epge;jidfSf;F mika fld; ml;il
itj;jpUg;gth ele;Jnfhz;lhy;> ];khl; fhNrhiy trjp mtUf;F
toq;fg;gLk;.
];khl; fhNrhiy cs;Sh; ehzaj;jpy; khj;jpuNk toq;fg;gLk;. mjhtJ
,yq;if &gha;. ;
134
4.3 ];khh;l; fhNrhiy nfhLf;fy; thq;fy;fis ifahSjy;
];khh;l; fhNrhiyapd; nkhj;j nfhLf;fy; thq;fy; ngWkjpia fld; ml;il
itj;jpUg;gth; toikahd fld; ml;il nfhLf;fy; thq;fy;fSf;F mika
nrYj;j Ntz;Lk;.
tq;fpahdJ> fld; tiuaiwf;Fs; fpilf;ff;$ba njhiff;Fs; ];khl;
fhNrhiy nfhLf;fy; thq;fiy Kiwtopg;gLj;jp mjw;F mjpfhukspf;Fk;.
MapDk; ];khh;l; fhNrhiyf; nfhLf;fy; thq;fy; fpilj;jpUf;Fk; fld;
tiuaiwapy; vOjg;gLjy;Ntz;Lk; vd;gJld; ml;ilf; fzf;F tq;fpahy;
filg;gpbf;fg;gLk;
tpjpfs;
kw;Wk;
xOq;Ftpjpfspd;gbAk;
epajp
epge;jidfspd;gbAk; ey;y epiyikapypUj;jy; Ntz;Lk;. mq;fPfhpf;fg;gl;l
];khh;l; fhNrhiy nfhLf;fy;thq;fy; mLj;j fzf;Ff;$w;wpy; fhzg;gLk;.
jpq;fs; Kjy; nts;spf;fpoik tiu gpw;gfy; 5.00 kzpf;F Kd;dh; tq;fpapy;
ngwg;gLk; tha;top%ykhd mwpTWj;Jjy;fs;> mLj;j Ntiy ehspy;
nray;Kiwf;Fl;gLj;Jtjw;F epahakhd Kaw;rpfis tq;fp gad;gLj;Jk;.
];khl; fhNrhiyia tpepNahfpg;gjw;fhf fld; ml;il itj;jpUg;gtuhy;
toq;fg;gLk; tpyhrj;jpw;F gjpTj;jghy; %yk; ];khl; fhNrhiy tq;fpahy;
mDg;gp itf;fg;gLk;. fld; ml;il itj;jpUg;gtuhy; Nghjpa mstpy;;
toq;fg;glhj my;yJ jtwhf toq;fg;gl;l tpyhrk; fhuzkhf my;yJ
tq;fpapd; fl;Lg;ghl;Lf;F mg;ghw;gl;l tplaq;fs; fhuzkhf Vw;gLk;
ve;jnthU ,og;G my;yJ jhkjk; vd;gtw;Wf;F tq;fp nghWg;ghspahf
khl;lhJ.
4.4 tpiyg;; gl;baYk; ];khh;l; fhNrhiy jtizf; fl;lzq;fspd;
nfhLg;gdTk;
toq;fg;gLk; NritahdJ> fld; ml;il itj;jpUg;gthpd; Ntz;LNfhspd;
NghpYk;> njhiyNgrp %yk;; ml;il itj;jpUg;gthpd; milahsj;jpd;
vjph;kiw tpistpd;kPJNkahFk;. tq;fpahy; Nfhug;gLk; jdpg;gl;l tpguq;fs;
toq;Ftjd;%yk;). ,J ml;il itj;jpUg;gtuhf miog;G nfhLj;jtiu
tq;fp milahsk; fhz;gjw;F NghJkhd mjpfhukhFk.;
tq;fpapd;
gjpNtLfs; kw;Wk; njhiyNgrp %yk; nray;Kiwg;gLj;jg;gl;l nfhLf;fy;
thq;fy;fspd;
jPHTfs;
vd;gd
midj;J
Nehf;fq;fSf;fhfTk;
Kw;whditahfTk;
gpzpf;fpd;witAkhFk;
vd;gij
fld;
ml;il
itj;jpUg;gth; Vw;Wf;nfhs;fpd;whH. Nrit %ykhfg; Nkw;nfhs;sg;gl;l
nfhLf;fy; thq;fy;fs; njhlh;ghd tq;fpapd; gjpNtLfs; ,WjpahdJk;
gpzpf;fpd;wJkhFk; vd;gijAk; fld; ml;il itj;jpUg;gth; ,e;jr;
Nritia ghtpg;gjhy; Nkw;nfhs;Sk; nfhLf;fy; thq;fypd; nry;YgbahFk;
jd;ik njhlHghf gpzf;F vJTk; nra;akhl;lhh
vd;gjidAk; ml;il itj;jpUg;gth; Vw;Wf;nfhs;fpd;whH. fld; ml;il
itj;jpUg;gth; njhiyNgrp miog;Gf;fs; tq;fpahy; gjpag;gLtjw;F
rk;kjk; njhptpg;gJld;> mj;jifa gjpTfs; ve;jnthU ePjpkd;wj;jpYk; rl;l
eltbf;iffspYk; xU rhd;whf tq;fpahy; gad;gLj;jg;gLtijAk;
Vw;Wf;nfhs;fpd;whH.
fld;
ml;il
itj;jpUg;gtuhy;
Nfhug;gLk;
];khl;
fhNrhiyia
tq;fpahdJ> fld; ml;il itj;jpUg;gthpd; vjph;kiw tpistpd;kPJ tq;fp
toq;Ffpd;wJ vd;gijAk; mth; Vw;Wf;nfhs;fpd;whH.
135
];khh;l; fhNrhiyf;fhd mwpTWj;Jjy;fis tq;fp Vw;Wf;nfhz;ljd;
mbg;gilapy;> me;j ];khh;l; fhNrhiyj; njhif> nfhs;tdT nra;ag;gl;l
jpdj;jpd; gpd;dh; toikahd fld; ml;il nfhLf;fy; thq;fy;fs; Nghd;W
mDg;gg;gLk; mLj;j fzf;Ff; $w;wpy; gl;bayplg;gLk;.
];khh;l; fhNrhiy njhlHgpy; Vw;Gilj;jhd Nritf; fl;lzj;ij
fhyj;jpw;Ff; fhyk; tq;fp nghUj;jkhdJ vdf; fUJfpd;wthW
mjd;
KOikahd jw;Wzpgpd;Nghpy; kPsha;T nra;ayhk;.
];khl; fhNrhiy nfhLf;fy; thq;fy; njhif kPJ Nghd]; Gs;spfs;
<l;lg;gLk;.
4.5 cw;gj;jpg;nghUs; rhh;e;j nghWg;Gilik
];khh;l; fhNrhiyapd;fPo; nghUl;fs; mj;Jld;/my;yJ Nritfis
nfhs;tdT nra;jy> epWTjy;> ghtpj;jy; vd;gdtw;why; fld; ml;il
itj;jpUg;gtUf;F Vw;gLk; Nrjk; my;yJ ,og;Gf;F tq;fp vt;tpjj;jpYk;
nghWg;ghf khl;lhJ. mj;Jld;> tq;fp ];khl; fhNrhiyahy; my;yJ NtW
tifapy; thq;fg;gl;l nghUl;fspd;
mj;Jld;/my;yJ Nritfspd;
juj;jpw;Fk; nghWg;ghf khl;lhJ. nfhs;tdT nra;ag;gl;l nghUl;fs;
my;yJ Nritfspd; juk; Fwpj;J fld; ml;il itj;jpUg;gtuhy; ];khl;
fhNrhiyf;F Nkw;nfhs;sg;gLk; ve;j Kiwg;ghLk; tpepNahfj;Uf;F my;yJ
tzpfUf;F mDg;gp itf;fg;gLk;. mj;Jld;> ];khl; fhNrhiy %yk;
Nkw;nfhs;sg;gl;l
nfhLf;fy;
thq;fypd;
ngWkjpia
tq;fpf;F
nrYj;Jtjw;fhd fld; ml;il itj;jpUg;gthpd; flg;ghl;by; ,J ghjpg;ig
Vw;gLj;jhJ.
4.6 jphpGgLj;Jjy;fs;> jpUj;jq;fs; kw;Wk; ,y;yhnjhopj;jy;fs;
tq;fpahdJ> fld; ml;il itj;jpUg;gtUf;F ve;jtpj Kd;dwptpj;jiyAk;
toq;fhJ ve;jnthU Neuj;jpYk ];khl; fhNrhiyia KbTWj;jtjw;F
my;yJ ,y;yhnjhopg;gjw;F my;yJ mjd; mD$yq;fis my;yJ
rpwk;gk;rq;fis NtWgLj;Jtjw;F my;yJ ve;jnthU ];khl; fhNrhiy
epajp;
epge;jidfisAk;
NtWGLj;Jtjw;F>
mtw;Wld;
vjidAk;
Nrh;g;gjw;F my;yJ ePf;Ftjw;F tq;fp chpj;JilajhFk;.
];khl;
fhNrhiy trjpapd; fPo; xt;nthU fhNrhiyf;Fk; mDkjpf;fg;glf;$ba
Fiwe;jgl;r nfhLf;fy; thq;fy; njhifiaj; jPHkhdpg;gjw;Fk;
tq;fp
chpj;JilajhFk;.
];khl; fhNrhiy epajp epge;jidfs; kw;Wk;/my;yJ epajp; epge;jidfs;
vd;gtw;iw fld; ml;il itj;jpUg;gth; kPwp ele;jjhf tq;fp
jPHkhdpf;Fk;gl;rj;jpy; mj;Jld;/; my;yJ tq;fp nghUj;jkhdJ vdf;
fUJk; VNjDk; fhuzj;jpw;fhf ve;jtpj fhuzq;fisAk; $whky; fld;
ml;il
itj;jpUg;gtiu
,e;j
trjpapy;
gq;Fgw;WtjpypUe;J
jifikapof;;fr; nra;tjw;fhd chpikia tq;fp nfhz;Ls;sJ.
];khh;l; fhNrhiyapd;fPo; ml;il itj;jpUg;gtuhy; rkh;g;gpf;fg;gLk;
VNjDk; tpz;zg;gj;ij/mwpTWj;Jjy;fis vj;jd;ikaJkhd fhuzk;
vJTk; fhl;lhky; mDkjpf;fhjpUg;;gjw;fhd/kWg;gjw;fhd chpikia tq;fp
nfhz;Ls;sJ.
136
4.7
el;Nlhj;juthjk;
VNjDk; cgfuzj;jpd; my;yJ njhlh;ghly; Kiwikapy; Vw;gLk; jtW>
ifj;njhopw; gpzf;F> NghH my;yJ nja;;tr; nray; my;yJ tq;fpapd;
fl;Lg;ghl;Lf;F mg;ghw;gl;l VjhtJ nray; vd;gd fhuzkhf NeubahfNth
kiwKfkhfNth ];khl; fhNrhiy epajp; epge;jidfspd; fPohd
flg;ghLfis tq;fp nraw;gLj;j Kbahjtplj;J mjw;fhf tq;fp
nghWg;Gilajhf KbahJ.
,jd;fz;Zs;s ,e;j ];khh;l; fhNrhiy epajp epge;jidfs; ml;ilia
toq;FtjidAk;
gad;gLj;JtjidAk;
Ml;rpnra;Ak;
epajp
epge;jidfSf;Fg; gq;fkpd;wp ];khh;l; fhNrhiyf; nfhLf;fy; thq;fYf;F
Vw;Gilajhjy;Ntz;Lk;.
,jd;fz;Zs;s ];khh;l; fhNrhiy kw;Wk;
];khh;l; fhNrhiy epajp epgejidfs; njhlh;gpy; VNjDk; Neuj;jpy
gpzf;F vJTk; vOfpd;wgl;rj;jpy; mJ njhlh;gpy; tq;fpapd; KbNt
,WjpahdJk gpzpf;fpd;wjhjYk; Ntz;Lk;.
5.0 ,izaj;js tq;fpj;njhopy;
,izaj;js
tq;fpj;njhopy;
trjpia
toq;FkhW
tpLf;fg;gLk;
Ntz;LNfhisg; gpd;gw;wp tq;fp mjd; ,izaj;js tq;fpj;njhopy;
trjpfis toq;Ftjw;F ml;il itj;jpUg;gth; gpd;tUk; epajp
epge;jidfspdhy; gpzpf;fg;gLfpd;whh;.
1. ,izaj;;js tq;fpj;njhopy; trjpia gpuj;jpNafkhf fld; ml;il
itj;jpUg;gth; jdJ ghtidf;fhf khj;jpuk; kl;Lg;gLj;jpf;nfhs;tjw;F.
2. ve;jnthU Neuj;jpYk; ve;jnthU #o;epiyapYk; vtNuDk; MSf;F
,izaj;;js tq;fpj;njhopy; trjpia gad;gLj;Jtjw;Fj; Njitg;gLk;
ghtidahsh; milahsk;/flTr;nrhy; (Password)/jdpg;gl;l milahs
,yf;fk; (PIN) vd;gtw;iw njhpag;gLj;jf; $lhJ vd;gJld;> mtw;iw
fz;bg;ghf me;juq;fkhf fUJtjw;Fk;.
3.
ghtidahsh;
milahsk;/flTr;nrhy;
(Password)/jdpg;gl;l
milahs ,yf;fk; (PIN) vd;gd mjpfhukspf;fg;glhj vtNuDk;
jpwj;jthpd; ifapy; fpilj;jik njhpate;jTld;
mjidg; gw;wp
cldbahf tq;fpf;F mwptpg;gjw;F.
4.
,izaj;;js
tq;fpj;njhopy;
trjpiag;
gad;gLj;jp
nray;Kiwg;gLj;jg;gLk;
vy;yh nfhLf;fy; thq;fy;fSf;Fkhd
KOg;nghWg;igAk;; Vw;Wf;nfhs;tjw;F.
5.
nfhLf;fy; thq;fy;fs; gw;wpa tq;fpapd; gjpNtLfis midj;J
Nehf;fq;fSf;fhfTk;
KbthditAk;
gpzpf;fpd;witAkhFk;
vd;gjid Vw;Wf;nfhs;tjw;F.
6.
tq;fpf;F
mwpTWj;Jjy;fs;
toq;FtjwF;
fld;
ml;il
itj;jpUg;gtUf;Fhpa chpikia vJtpj Kd;dwptpj;jYk; ,d;wp
mjd; jw;Wzpgpd; Nghpy; ,y;yhnjhopg;gjw;fhd mjpfhuk; tq;fpf;F
cs;sJ vd;gjid
7.
tpLf;fg;gLk; mwpTWj;Jjy;fs;; fld; ml;il itj;jpUg;gthplkpUe;J
tutpy;iy vd tq;fp ek;Gkhapd;; fld; ml;il itj;jpUg;gtuhy;
137
tpLf;fg;gLk; mj;jifa mwpTWj;Jjy;fis
gpzpf;fg;glkhl;lhJ vd;gjw;F.
8.
epiwNtw;Wtjw;F tq;fp
,izaj;;js tq;fpj;njhopy; trjpapy; jtwhd nraw;ghL my;yJ
nraypog;G
my;yJ
,e;j
Clfk;
thapyhf
toq;fg;gl;l
mwpTWj;Jjy;fs;kPJ tq;fp nraw;glj; jtwpaik my;yJ jhkjk;
nra;jik vd;gtw;why; Vw;gLk; ve;jnthU ,og;Gf;Fk; my;yJ
Nrjj;jpw;Fk; tq;fpia ve;j tifapYk; nghWg;ghspahf;fhjpUg;gjw;F
my;yJ tq;fpia mjw;fhf gjpy; $Wk; flg;ghLilajhfNth
Mf;fhjpUg;gjw;F.
9.
NkNy 8Mk; Vw;ghl;by; Fwpg;gplg;gl;l nghJikf;Fg; gq;fkpd;wp
,izaj;;js tq;fpj; njhopy; trjpia gad;gLj;Jjy; vdJ/vkJ
Vf vjph;kiw tpisTf;Fl;gl;ljhFk; vd;gJld; ,izaj;;js
tq;fpj;njhopy; trjpiag; gad;gLj;JtjpypUe;J my;yJ mjd;
,ilNeh; tpisthf Vw;gLk; vy;yh mj;Jld; vjph;kiw tpisTfisAk; ehd; vw;Wf;nfhs;fpd;Nwd;.
10.
fld; ml;il itj;jpUg;gtUf;F vJtpj mwptpj;jYkpd;wp ,e;j
trjpia
,y;yhnjhopg;gjd;%yk;
mjid
KbTWj;Jtjw;fhd
Rje;jpuk; tq;fpf;F cs;sJ vd;gjid.
6.0 SMS (FWe; jfty; Nrit) tq;fpj;njhopy;
1.
tiutpyf;fzq;fs;
gpd;tUk; epajpfs; ,e;j epajp epge;jidfspy;
gpd;tUk; nghUisf;nfhz;bUf;Fk; :
gad;gLj;jg;gLkplj;J;
~tq;fp| vd;gJ> mur gl;laj;jhy; ,q;fpyhe;jpy; $l;bizf;fg;gl;lJk; ,y.
1> vy;lh;kd;nghp rJf;fk;> yz;ld;> EC2V 7SB, yz;ld;> ,q;fpyhe;J vd;w
tpyhrj;jpy; mjd; gjpT nra;ag;gl;;l mYtyfj;ijAilaJk; mj;Jld;>
,y. 37> NahHf; tPjp> nfhOk;G 1> ,yq;if vd;w KfthpapYs;s mjd;
fpis mYtyfj;jpy; my;yJ ,yq;ifapYs;s mjd; vitNaDk;
fpisfspy; thbf;ifahsh; fzf;ifg; NgZtJkhd tq;fpj; njhopy;
$l;Lj;jhgdnkhd;whd ];lhd;lh;l; rhHl;ll; tq;fp vdg; nghUs;gLk;.
~SMS| vd;gJ> FWe; jfty; Nrit/thrfk; vdg; nghUs;gLk;.
~fzf;F(fs;)| vd;gJ> $l;Lf; fzf;Ffs; cl;gl tq;fpapy; Ngzg;gLk;
VNjDk; tifahd fzf;F/fs; vdg; nghUs;gLk;.
~thbf;ifahsh;|
vd;gJ>
tq;fpAld;;
fzf;nfhd;iw
vtNuDk; Ms;/Ml;fs; vdg; nghUs;gLk;.
itj;jpUf;Fk;
~trjp| vd;gJ> ];lhd;lh;l; rhHl;ll; tq;fpapd; tPrh/ kh];lh; fhh;l;
mj;Jld;/my;yJ
fzf;F(fs;)
itj;jpUf;Fk;
Ml;fSf;Fk;
fpilf;fr;nra;ag;glf;$ba
cw;gj;jpg;nghUl;fis
mj;Jld;/my;yJ
trjpfis
gad;gLj;Jk;
NtW
vtNuDk;
Ml;fSf;Fk;;/thbf;ifahsh;fSf;Fk; toq;fg;gLtJk; fhyj;jpw;Ff; fhyk;
tq;fpahy; nry;yplj; njhiyNgrpapy; cs;slf;fg;gLtJkhd SMS
tq;fpj;njhopy; trjp vdg;nghUs;gLk;.
138
~MSP| vd;gJ> tq;fpahy; mwptpf;fg;gl;lthW ve;j Nrit toq;Feh; Clhf
thbf;ifahsuhy;
my;yJ
tq;fpahy;
elkhLk;
Nritfs;
ngw;Wf;nfhs;sg;gLfpd;wNjh me;j Nrit toq;Feh; vdg; nghUs;gLk;.
~Nrit toq;Feh;(fs;)| vd;w tiutpyf;fzk;> gpd;tUtd njhlh;gpy; ve;j
MPS fspd;>
xOq;fikg;Gfspd;
my;yJ jdpahl;fspd; Nritfis
tq;fp gad;gLj;Jfpd;wNjh me;j MPS, xOq;fikg;Gfs; my;yJ
jdpahl;fs;
vdg;
nghUs;gLk;
Mdhy;
mth;fSf;F
khj;jpuk;
kl;Lg;gLj;jg;glkhl;lhJ:
1.1 ml;il itj;jpUg;gth; vy;yh Neuq;fspYk; jkJ SMS tq;fpj;njhopy; rhh;e;j
jdpg;gl;l milahs ,yf;fj;ij (PIN) ,ufrpakhf itj;jpUf;f Ntz;Lk;.
thbf;ifahsh; ,jw;F ,zq;fpnahOfhjgl;rj;jpy;; Vw;gLk; tpisTSf;F
mj;Jld;;/ my;yJ SMS tq;fpj;njhopy; (PIN) ,yf;fk; VNjDk;
mjpfhukw;w Kiwapy; gad;gLj;jg;gLk;gl;rj;jpy; Vw;gLk; tpisTfSf;F
thbf;ifahsh; KOg; nghWg;Gilatuhjy; Ntz;Lk;.
1.2
thbf;ifahsh; vg;NghJk; jdJ SIM ml;iliaAk; mtuJ nry;ypl
njhiyNgrpiaAk; ghJfhg;ghf/ghJfhg;ghd fl;Lf;fhg;gpy; itj;jpUf;f
Ntz;Lk;. ,jw;F ,zq;fpnahOfhjgl;rj;jpy;; Vw;gLk; tpisTSf;F
mj;Jld;;/my;yJ mtuJ nry;yplj; njhiyNgrp my;yJ SIM ml;il
VNjDk; mjpfhukw;w Kiwapy; gad;gLj;jg;gLk;gl;rj;jpy; Vw;gLk;
tpisTfSf;F thbf;ifahsh; KOg; nghWg;Gilatuhjy; Ntz;Lk;.
1.3
,jd;fz; Fwpg;gplg;gl;Ls;s epajp epge;jidfis Vw;Wf;nfhs;tJld;>
,e;j tpUg;Gj; njhpit Nkk;gLj;jg;gl;l tpUg;Gj; njhpthf tq;fpahy;
toq;fg;gl;lthWk;
toq;fg;gLk;NghJk;
mjid
gad;gLj;Jtjid
thbf;ifahsh; Vw;Wf;nfhs;fpd;whh;. . ,jpy; epjpfisf; ifkhw;Wjy;>
tpiyg;;gl;bay;fspd;
nfhLg;gdTfis
Nkw;nfhs;Sjy;>
xU
ehzaj;jpypUe;J kw;nwhU ehzaj;jpw;Ff;
ifkhw;Wjy; vd;gd
cs;slq;Fk;
Mdhy;
mtw;wpw;F
khj;jpuk;
tiuaWf;fg;glkhl;lh.
Nkk;gLj;jg;gl;l tpUg;Gj; njhpTfis tq;fp toq;Ftjd;kPJ toq;fg;gLk;
Nkk;gLj;jg;gl;l
tpUg;Gj;
njhpTfSf;fhd
fl;lzq;fs;
gw;wp
thbf;ifahsUf;F mwptpf;fg;gLk;. mj;jifa fl;lzq;fs;; xt;nthU
nfhLf;fy; thq;fypdJk; mbg;gilapy; my;yJ NtW tifapy; tq;fpahy;
jPHkhdpf;fg;gl;lthW mwtplg;gLjy; Ntz;Lk;.
2. trjpia Nrh;j;jy; kw;Wk; kPsg;ngWjy; my;yJ KbTWj;jy;
2.1
thbf;ifahsUf;F mwptpj;jYlNdh my;yJ mwptpj;jypd;wpNah f;fhkNyh
Nkyjpf Nritfis mwpKfg;gLj;Jk; chpikia tq;fp nfhz;Ls;sJ.
gjpTnra;ag;gl;l nry;yplj; njhiyNgrpfSf;F nra;jpfis mDg;Gk;
chpikAk; tq;fpf;Fz;L.
139
jdpg;gl;l fld; thbf;ifahsu;fSf;F 'Nrt;b nel;" fld; Nflak;
toq;fpNahUk; nghWg;Ngw;NghUk;: miyad;]; ,d;#ud;]; yq;fh
ypkpl;nll;> ,y. 42> fpnsdp tPjp> nfhOk;G 02> ,yq;if
ed;ikfspd; gl;Nlhiy
rk;gtj;jpd; tif
÷
,aw;if my;yJ tpgj;J kuzk;
÷
tpgj;J fhuzkhf KOikahd> epue;ju Cdk;
÷
tpgj;jpd; tpisthf KOikahfTk; epue;jukhfTk;
,U fz;fspYk; ghu;it ,oj;jy;
÷
tpgj;jpd; tpisthf gpd;tUk; cWg;Gfs;
KOikahfTk; epue;jukhfTk; clypypUe;J
Jz;bf;fg;gLjy;
m) ,uz;L mtaq;fs;
M) ,uz;L iffs;
,) Koq;iff;F Nky; if
<) Koq;fhYf;F Nky; fhy;
fhg;gPL
fld; epYitapd; 100% jdpg;gl;l fld; itj;jpUf;Fk;
xUtUf;F flndhd;Wf;F mjpfgl;r $l;Lnkhj;jk;
&gh 3>000>000 tiu.
fhg;GWjpg;gj;jpu GwePf;fq;fs;
m.
M.
,.
<.
c.
C.
v.
V.
I.
x.
X.
jw;nfhiy vj;jdpg;G> jw;nfhiy my;yJ rpj;jRthjPdj;Jld; my;yJ
rpj;j RthjPdkpd;wp Ntz;Lnkd;Nw jhdhf Vw;gLj;jpf;nfhz;l fhak;.
fhg;GWjp nra;jtuhy; rl;lk; kPwg;gLjy;> my;yJ mtuhy; J}z;lg;gl;l
VNjDk; jhf;Fjy;.
nray; ,lk;ngw;w ,lj;jpd; epahahjpf;fj;jpy; ,yq;ifr; rl;lj;jpw;F
Kuzhf VNjDk; nraypd; tpisthf ,wg;G/fhak;
gjpTnra;ag;gl;l kUj;Jt njhopyu; xUtupd; gzpg;gpw;F ,zq;fty;yhky;
kJ/Nghij kUe;J/kaf;f%l;Lk;/kUl;rpa+l;Lk; gjhu;j;jq;fis cl;nfhz;l
epiy
jPq;F Vw;gLj;Jk; VNjDk; tpisahl;Lg; Nghl;bapy; gq;Fgw;Wjy; my;yJ
gapw;rp ngWjy;> Xl;br;nry;Yjy;> RopNahLjy; VNjDk; tpjkhd Xl;lg;
ge;jak; my;yJ Nghl;b
kd Neha;/tpahjp
fUTw;wy;> kfg;NgW my;yJ fUr;rpijT my;yJ mjpypUe;njOk; VNjDk;
rpf;fy;
gpd;tUtdtw;wpypUe;J my;yJ mit njhlu;ghf Neub my;yJ kiwKf
tpisT.
1. VNjDk; kdpj jLg;ghw;wy; FiwghLs;s ituRf;F (HIV) kpifepiyia
cs;slf;fpa njhw;W my;yJ> nfhs;sg;gll; jLg;ghw;wy; FiwghLs;s
$l;lwpFwp (AIDS) my;yJ ,jidnahj;j my;yJ rhu;Gila
epiyik my;yJ VNjDk; mj;jifa njhw;wpypUe;J> epiyikapypUe;J
my;yJ Fiwghl;bypUe;J Neubahf my;yJ kiwKfkhf vOk; RfaPd
epiyik
2. gpwtpapypUe;J vOk; my;yJ ghuk;gupa Kiwf;NfL/FiwghLfs
fhg;GWjp nra;j Ms; Fw;wtpay; vz;zj;Jld; Gupe;j rl;lj;ij kPWk;
nrayhy; my;yJ rl;ltpNuhj eltbf;ifahy; Vw;gLk; tpisTfs;
fhg;GWjp nra;j Ms; Fw;wtpay; vz;zj;Jld; Gupe;j rl;lj;ij kPWk;
nrayhy; my;yJ rl;ltpNuhj eltbf;ifahy; Vw;gLk; tpisTfs;
tho;f;ifj;njhopy; rhu;e;j Nehapdhy; Vw;gl;l kuzk;
140
xs. fUr;rf;jpahy; Vw;gLk; fsq;fk;> CL fjpupaf;fk;> ntbj;jy;fs;> my;yJ
fUr;rf;jp vupnghUspd; jPq;F tpistpf;Fk; jd;ik> my;yJ fUr;rf;jpahy;
fsq;fg;gLj;jg;gl;l Mjdk; my;yJ mj;jifa jd;ikahy; Vw;gLk;
tpgj;J.
f.
fhg;GWjp nra;jtu; Nkhl;lhu; irf;fps; XLjy; cl;gl (Xl;Lgtuhf my;yJ
gazpahf) khupfhy tpisahl;Lfs;> gdpf;fl;b n`hf;fp> fhy;ge;jhl;lk;>
NghNyh> Ntl;ilahLjy;> kiyNaWjy;> gu#l; gwj;jy;> njhq;fpr;
rWf;Fjy;> Rthrf; fUtpfspd; ghtidia Njitg;gLj;Jk; ePupd;
mbapyhd nraw;ghLfs;> RopNahLjy;> fhypdhy; my;yhj NtW VNjDk;
Xl;lg;ge;jak;> Ntfg; gupNrhjid my;yJ ek;gfj; jd;ikapd; gupNrhjid>
,ae;jpuEl;g rf;jpahy; ,aq;Fk; kuNtiy> ,ae;jpuj;ij cgNahfpj;jy;>
Nghu;f;fiy> ?gq;fp? gha;jy;> nrq;Fj;Jr; ruptpy; Juj;Jjy; Kjyhd
vitNaDk; jPq;F tpistpf;Fk; nraw;ghLfspy; <LgLjy; my;yJ
gq;Fgw;Wjy;.
q.
fhg;GWjp
nra;jtu;
,uhZt
eltbf;ifahfthapDk;rup>
Nghu;
tpisahl;LfshapDk;rup VNjDk; flw;gil> ,uhZt my;yJ thd;gil
eltbf;iffspy; <LgLjy; my;yJ ntspehl;L my;yJ cs;ehl;L
vjpupfSld; cz;ikapNyNa Nghupy; <LgLjy;.
r.
fhg;GWjp nra;jtupd; VNjDk; tpjkhd tpisthe;jd;ikajhd ,og;G
my;yJ fhg;GWjp nra;jtupd; cs;sthwhd my;yJ rhu;j;Jiuf;fg;gl;l
rl;lg;nghWg;G> thD}u;jpapd; gzpf;FO cWg;gpdu; xUtuhf my;yhkYk;
mjpy; VNjDk; tpahghuj;ij my;yJ njhopy;El;g njhopw;ghl;ilg;
nghWg;Ngw;Fk; Nehf;fj;jpw;fhf my;yhkYk; fhg;GWjp nra;jtu; gazpfis
Vw;wpr;nry;Yk; KO cupkk;ngw;w thD}u;jpnahd;iwj; jtpu> VNjDk;
gY}dpy; my;yJ thD}u;j;jpapy; ,Uj;jy;> cl;gpuNtrpj;jy; my;yJ
mjpypUe;J ,wq;Fjy;.
u.
,f;fhg;GWjpg;gj;jpuk;
njhlq;Ftjw;F
Kd;du;
tpgj;njhd;wpypUe;njOk; ,wg;G my;yJ epue;jukhd> KO Cdk;.
l.
Nghu;> Kw;Wifaply;> ntspehl;L vjpupfspd; nray;> Nghu; eltbf;iffs;>
Aj;jj;ijg;Nghd;w
eltbf;iffs;
(gpufldg;gLj;jg;gl;litahapDk;rup
my;yhtpbDk;rup)
mj;Jld;/my;yJ
Fbapay;
Nghu;>
gilnaLg;G>
td;nray;> Fbapay; fpsu;r;rpahf> ,uhZt fpsu;r;rpahf cUntLj;jy;>
Ml;rp vjpu;g;G> gilf; fpsu;r;rp> Gul;rp> rjp Kaw;rp> ,uhZt uPjpapy;
my;yJ jfhj Kiwapy; gjtpNaw;wy;> mj;Jld;/my;yJ ,uhZtr; rl;lk;>
mur Kw;Wif my;yJ ,uhZtr; rl;lk; gpufldg;gLj;jg;gLtij my;yJ
Ngzg;gLtij my;yJ Kw;Wifaplg;gl;l epiyikiaj; jPu;khdpf;Fk;
vitNaDk; rk;gtq;fs; my;yJ VJf;fs;> rl;lg;gbahd my;yJ nka;ahd
murhq;fj;ijf; ftpo;f;f vj;jdpf;Fk; xOq;fikg;Gfspd; rhu;ghf my;yJ
mit njhlu;gpy; nraw;gLk; vtNuDk; Mspd; VNjDk; nray; my;yJ
gaq;futhjr;
nraypd;%yk;
my;yJ
td;Kiwapd;%yk;
mjd;kPJ
nry;thf;ifg; gad;gLj;Jjy; mj;Jld;/my;yJ Nkw;$wg;gl;l nray;fis
mlf;f KaYk;NghJ my;yJ Nkw;$wg;gl;l vitNaDk; mj;jifa
nray;fspy; Neubahf my;yJ kiwKfkhfg; gq;Fgw;Wjy; my;yJ
<LgLjy; njhlu;gpy; fhg;GWjp nra;j Ms; xUtiu ifJ nra;a my;yJ
klf;fpg; gpbf;f Kay;ifapy; MAje;jhq;fpa my;yJ nghypRg; gilfspd;
vtNuDk; cWg;gpduhy; vLf;fg;gLk; nray;. ,e;j tpyf;fspg;gpd;fPo; fk;gdp
nghWg;ngjidAk; ifJwf;Fk;nghOnjy;yhk; ve;jr; rk;gtj;ijg;gw;wp
Kiwg;ghL nra;ag;gLfpd;wNjh me;jr; rk;gtk; tpyf;fspf;fg;gl;l
141
Vw;gl;l
rk;gtj;jhy;
epfotpy;iy
my;yJ
mr;
rk;gtj;jpd;
tpisthy;
Vw;gltpy;iy vd;gjid vz;gpf;Fk; nghWg;G ,f;fhg;GWjpg;gj;jpuj;jpd;fPo;
cupikf;Nfhupf;ifiar; nra;Ak; Misr; rhu;e;jpUj;jy; Ntz;Lk;.
z.
VNjDk; fUr;rf;jp vupnghUspypUe;J my;yJ VNjDk; fUr;rf;jpf;
foptpypUe;J my;yJ fUr;rf;jp vupnghUspd; jPapypUe;J ntspNaWk;
fjpu;tPr;rpdhy; mj;Jld;/my;yJ VNjDk; fUr;rf;jp epWTif vjpu;j;jhf;ff;
fUtp my;yJ NtW fUr;rf;jpj; njhFjp my;yJ mjd; fUr;rf;jp cWg;G
vd;gtw;wpd; vjpu;tPr;R rhu;e;j> er;Rj; jd;iktha;e;j my;yJ NtW
jPq;fpiof;Fk; my;yJ fsq;fg;gLj;Jk; ,ay;Gfspdhy; Vw;gLj;jg;gLk;
CW/,wg;G.
j.
kJrhuj;jpy; jq;fpapUf;Fk; jLg;ghw;wy; ,d;ikahy; Vw;gLk; ,wg;G.
e.
Nghijg;nghUs; J\;gpuNahfk; fhuzkhf Vw;gLk; ,wg;G.
g.
gpurtk; njhlu;ghd ,wg;G (fu;g;gk;> kfg;NgW> fUf;fiyj;jy;> fUr;rpijT
cl;gl)
k.
fhg;GWjp nra;ag;gl;l Mspd; clk;gpy; Nkw;nfhs;sg;gl;l my;yJ
Nkw;nfhs;sg;gLk; VNjDk; Fzkhf;Fk; rpfpr;ir my;yJ jiyaPLfs;.
a.
fhg;GWjp nra;jtupd; VNjDk; cs;sthwhd rl;lg;nghWg;gpd; tpisthf
Vw;gLk; ,og;Gfs;.
ehd; Nrt;b nel; fhg;GWjpg; gj;jpuj;ijg; ngw;Wf;nfhs;fpd;Nwd; vdTk; NkNy
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nghWg;Ngw;fTk;gLfpd;wJ
,og;gpd; tif
gz ,og;gPL
fld;/gw;W ml;il Nkhrb
gw;W/fld; ml;ilf;fhd fhg;gPL
,. &gh 5>000 tiu
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jpwg;GfSk; SIM ml;ilfSk;
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tpgj;J kUj;Jtf; fhg;gPL
,. &gh 40>000 tiu
,. &gh 15>000 tiu
topg;gwpapd;NghJ ATM xd;wpy; mile;j fhaj;jpd; tpisT
epajp epge;jidfs;
1.
ml;il
Nkhrb:
gzg;ig
fhzhkw;Nghdgpd;du;
Kjy;
48
kzpj;jpahyq;fspd;NghJ ,lk;ngWk; ml;ilg; ghtidapd; Nkhrbf;fhf
ed;ikfspd; gl;Nlhiyapy; Fwpg;gplg;gl;l tiuaiwtiu cq;fSf;F
nrytPL nra;ag;gLk;.
142
2.
ePq;fs; gy ml;ilfis itj;jpUe;J xt;nthd;wpd;kPJk; ntt;NtW
fl;Lg;gzq;fisr; nrYj;jp> ml;ilfspd; Nkhrbahd ghtidfs;kPJ
cupikf;Nfhupf;iffSf;Fj; jifikngWk;NghJ kw;nwy;yh ,og;Gfs;
njhlu;ghd cjhuzk;. gzg;ig ,of;fg;gl;likf;F mika gz ,og;G>
Mtzq;fspd; ,og;G> jpwg;Gfs;/SIM khw;wPL kw;Wk; tpgj;J kUj;Jtf;
fhg;gPL> xU ml;ilapypUe;J khj;jpuNk cupikf;Nfhupf;if nra;ayhk;.
3.
ATM ,y; gz ,og;G: ];Nld;lu;l; rhu;ll; tq;fp ml;iliag; gad;gLj;jp
ATM xd;wpy; gzj;ij kPsg;ngWk;nghOJ td;Kiwahd my;yJ
tNyhw;fhukhd topg;gwpapd; tpisthf gl;Nlhiyapy; Fwpg;gplg;gLk;
tiuaiwtiu cq;fSf;F ,og;gPL nra;ag;gLk;.
4.
ml;il itj;jpUg;gtu; cupikf;Nfhupf;ifnahd;iwg; gw;wp epahakhd fsT
rhj;jpag;glf;$ba
tpiutpy;
Mdhy;
vJ
tplaj;jpYk;
cupikf;Nfhupf;ifnahd;iw toq;Fk; rhj;jpaKs;s VNjDk; ,og;G
Vw;gl;l Kjy; 48 kzpj;jpahyq;fSf;Fs; tq;fpf;F mwptpj;jy; nfhLj;jy;
Ntz;Lk;.
5.
ml;il itj;jpUg;gtu; cupikf;Nfhupf;if nra;ag;gLk; khjj;jpw;fhd
fl;Lg;gzq;fisr;
nrYj;jpapUe;jhy;
kl;LNk
cupikf;Nfhupf;iffs;
ftdpf;fg;gLk;.
6.
,f;fhg;GWjpg;gj;jpuk; ];Nld;lu;l; rhu;ll; tq;fpf;Fk; rhu;b]; ,d;#ud;];
epWtdj;jpw;Fkpilapyhd Kjd;ik fhg;GWjpg;gj;jpuk; KbTWk; tiu
njhlu;e;jpUf;Fk;. ,f;fhg;GWjpg;gj;jpuk; ,e;j ,uz;L epWtdq;fspd;
jw;Wzpgpd;NgupNyNa njhlu;e;jpUf;Fk;
GwePf;fq;fs;
1.
2.
3.
gzg;ig ml;il itj;jpUg;gtupd; tPl;L tsTfSf;Fs; ,of;fg;gLjy;
,f;fhg;GWjpg; gj;jpuk; fytuj;jhy;> Ntiy epWj;jj;jhy; Neubahf
tpisAk; ,og;ig/fhaj;ij cs;slf;fkhl;lhJ.
ml;il itj;jpUg;gtupd; Neu;ikapd;ik.
143
,yq;ifr; rdehaf Nrhryprf; Fbaurpd; tHj;jkhdp
mjptpNrlk;
,y.1411/5 jpq;fs;fpoik> nrg;nlk;gh; 19> 2005
gFjp 1: gphpT (1) - nghJ
,yq;if kj;jpa tq;fpapd; mwptpj;jy;fs;
(,yq;ifr; rl;lthf;fj;jpd; 423Mk; mj;jpahakhd) nryhtzp
fl;Lg;ghl;Lr; rl;lj;jpd; fPohd mwptpj;jy;
(,yq;ifr; rl;lthf;fj;jpd; 423Mk; mj;jpahakhd) nryhtzp
fl;Lg;ghl;Lr; rl;lj;jpd 7Mk; gphptpdJk; 8Mk; gphptpdJk;
epajpfspd;gb mDkjp
1.
(,yq;ifr;
rl;lthf;fj;jpd;
423Mk;
mj;jpahakhd)
nryhtzp
fl;Lg;ghl;Lr;
rl;lj;jpd;
7Mk;
8Mk;
gphptpd;
Nehf;fj;jpw;F
,yq;ifapypUf;Fk; my;yJ ,yq;ifapy; tjpAk; MnshUth; ,yq;iff;F
ntspNa tjpAk; MnshUtUf;F mtuJ ,yj;jpudpay; epjpf; ifkhw;wy;
ml;ilapd;kPJ
(EFTC) ntspehl;Lr;
nryhtzpapy;
nfhLg;gdT
nra;tjw;F gpd;tUk; epajp epge;jidfSf;fika ,j;jhy; mDkjp
toq;fg;gLfpd;wJ.
2.
(m) ntspehl;by; tjpAk; MnshUtUf;F my;yJ mikg;gpw;F EFTC
%yk;
gpd;tUk;
Nehf;fq;fSf;F
khj;jpuNk
nfhLg;gdntd;W
nra;ag;glyhk;.
i. gazk;> jq;Fkpltrjp> kUj;Jtk;> tho;f;if kw;Wk; fy;tpr; nryTfs;
cl;gl jdpg;gl;l ,ay;gpdthd
NritfSf;fhfNt fld; ml;il
itj;jpUg;gtuhy; ntspehl;by; nfhLg;gdT nra;ag;glNtz;Lk;.
ii. ntspehl;by;
nfhLg;gdT.
jdpg;gl;l
ghtidf;F
nghUl;fspd;
nfhs;tdTf;fhd
iii. jdpg;gl;l ghtidf;fhf ntspehl;by; ,Ue;J ,yq;iff;F nghUl;fis
,wf;Fkjp nra;tjw;fhd nfhLg;gdT. mDg;Gg; nghUs; xd;Wf;Fk; 3000
mnkhpf;f nlhyh; (c.i.f) my;yJ mjw;F rkkhd ntspehl;L ehzaj;jpy;
vd;gjw;fika.
iv. ntspehl;L cah;njhopy; FOkk; my;yJ fy;tprhh; epWtdnkhd;wpw;F
nrYj;jg;glw;ghyjhd jdpg;gl;l ,ay;gpdjhd gjpTf; fl;lzq;fs;>
ghPl;irf; fl;lzq;fs> Mz;L xg;gg;gzf; fl;lzq;fs;.
v. jdpg;gl;l ,ay;gpdjhd gpuahz kw;Wk; Rfhjhuf; fhg;GWjpf;fhf kl;Lk;;
fhg;GWjpf;; fl;Lg;gzk; njhlHgpy; nra;ag;gLk; nfhLg;gdTfs;.
(M
ge;jp 2(m) vd;gjd; Nehf;nfy;iyf;F ntspNa ,lk;ngWk VNjDk;
nfhLf;fy; thq;fy;fSf;fhf EFTC kPJ ntspehl;L ehzaj;jpyhd VNjDk;
nfhLg;gdTf;F mj;jifa nfhLg;gdT tjptw;w ehl;bdj;jtu; my;yhj
ntspehl;L ehzaf; fzf;fpd; (NRFC)> tjpTs;s ntspehl;L ehzaf;
fzf;fpd; (RFC)> tjpTs;s ehl;ltuy;yhj ntspehl;L ehzaf; fzf;fpd;
(RNNFC) my;yJ chpkk; ngw;w th;j;jf tq;fpapd; fly;fle;j
tq;fpj;njhopw; $W xd;wpy; fly; fle;j fzf;nfhd;wpd; tutpypUf;Fk;
epjpapypUe;J nra;ag;gLk;
mDkjpf;fg;gl;l
nfhLf;fy;
thq;fy;fs;
njhlHgpy nra;ag;gl;lhyd;wp nryhtzpf; fl;Lg;ghl;ljpfhhpapd; vOj;jpyhd
Kd; mDkjp Njitg;gLjy; Ntz;Lk;.
144
3. ,e;j tHj;jkhdp mwptpj;jypd; Nehf;fj;jpw;fhf re;jh;g;gk; NtW tifapy;
Njitg;gLj;jpdhyd;wp ,yj;jpudpay; epjp ifkhw;wy; ml;ilfs; (EFTC)
vd;gJ> tutpy;> gw;wpy; my;yJ NtW VNjDk; tbtpy; ngWkjpiag;
ifkhw;Wtjw;nfd ghtidahsUf;F trjpaspf;Fk; xU ml;il my;yJ
rhjdk; vdg; nghUs;gLtJld; fpwbl; ml;ilfs;> nlgpl; ml;ilfs; my;yJ
Njf;fpitf;fg;gl;l ngWkjp ml;ilfs; vd;gtw;iwAk cs;slf;Fk;.
mj;Jld;
~~jdpg;gl;l ghtid|| vd;gJ> ml;il itj;jpUg;gth;> mtuJ tho;f;ifj;Jiz
kw;Wk;
gps;isfs;>
ngw;NwhHfs;
vd;Nghhpd;
ghtidf;F
vdg;
nghUs;gLtJld; VNjDk; tHj;;jf Nehf;fj;ij cs;slf;f khl;lhJ.
nra;Kiw fl;lzk; thq;fy; nghWkjpapd; 2¾
tl;b tpjk; 1¾-1.5¾ kh.x.
145
tl;b mwtpLk; nray;Kiw gw;wpa jfty;
• tUkjpahd jpfjpad;W
mwtplg;gLk.;
KOf;
nfhLg;gdTk;
ngwg;glhtpl;lhy;
tl;b
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jpfjpad;W/mjw;F
Kd;dh;
my;yJ
mjd;gpd;dh;
gFjpastpy/Fiwe;jgl;r nfhLg;gdT nra;ag;gl;lhYk; tl;b mwtplg;gLk;.
• tUkjpahd jpfjpf;Fg; gpd;dh; KOf;nfhLg;gdT nra;ag;gl;lhy; tl;b
mwtplg;gLk;.
• gFjpastpy; /Fiwe;jgl;r nfhLg;gdTf;fhd tl;b filrp fzf;Ff;
$w;Wj; jpfjpapypUe;J nfhLg;gdT ngwg;gl;l jpfjptiu epYitapYs;s
KOj; njhifapd;kPJk; mjd;gpd;dh; mLj;j fzf;Ff; $w;Wj; jpfjptiu
epYitapYs;s njhifapd;kPJk; tl;b fzpg;gplg;gLk;.
• tUkjpahd
jpfjpf;Fg;
gpd;dh;
nra;ag;gLk;
nfhLg;gdTfSf;F
fzf;Ff;$w;wpd; jpfjpapypUe;J nfhLg;gdT ngwg;gLk; jpfjptiu tl;b
fzpg;gplg;gLk;. nfhLg;gdT vJTk; nra;ag;glhjtplj;J filrp fzf;Ff;
$w;Wj; jpfjpapypUe;J
Gjpa fzf;Ff; $w;Wj; jpfjptiu tl;b
fzpg;gplg;gLk;.
• fhR Kw;gzq;fs;kPJ 1Mk; ehspypypUe;J KOf; nfhLg;gdTtiu tl;b
jpuSk;.
• tUkjpahd jpfjpad;W my;yJ mjw;FKd;dh; KOf; nfhLg;gdTk;
nra;a;g;gbd; (fhR Kw;gzq;fs;kPJ jtpu) tl;b mwtplg;glkhl;lhJ.
jaTnra;J ftdpf;fTk;
• Nkw;gb fl;lzq;fs; vjidAk; my;yJ vy;yhtw;iwAk; khw;Wk; chpik
tq;fpf;Fz;L.
• ml;il KbTWj;jg;gl;lhy; my;yJ Vw;Wf;nfhs;sg;glhtpl;lhy; Mz;Lf;
fl;lzk; jpUg;gpr;nrYj;jg;glkhl;lhJ.
• rl;lf; fl;lzk;> fld; ifkhw;wy;fs;> fhNrhiyfs; toq;fy;> fly; fle;j
mwtPLfs; (cjh. xg;gilj; J}Jth;> njhiyefy;> mQ;ry; Kjypad)
Nghd;w Nkyjpf nryTfs; mit Vw;gl;lNghJ mwtplg;gLk;.
• murhq;f mwtPLfs; mg;NghJs;s xOq;Ftpjpfspd;gb Vw;Gilj;jhFk;.
• ,e;j topfhl;bapy; fhl;lg;glhj mwtPLfs; Ntz;LNfhspd;Nghpy; fpilf;Fk;.
• Vida epajp epge;jidfs; Vw;Gilj;jhFk;.vitNaDk; tprhhuizfSf;F
VNjDk; Neuj;jpy; 2480 480 vd;Dk; ,yf;fj;jpw;F miof;fTk;. kpd;dQ;ry;:
[email protected]
146