chek daiuh dh dk;Ziz.kkyh

ch. dkWe. ¼prqZFk lsesLVj½ 2011

ukscy dkWyst] jtk[ksMh edjksfu;k lkxj ¼e. iz.½

lac) MkW. gfjflag xkSj fo'ofo|ky;] lkxj ¼e. iz.½ funZs'kd ds gLrk{kj fo|kFkhZ ds gLrk{kj

.................... .................... funZs'kd dk uke fo|kFkhZ dk uke 'kkguhu [kku nq/kukFk ik.Ms; vuqdzekad 1130620

vvkkHHkkkkjj ukscy dkWyst jtk[ksMh edjksfu;k lkxj ds izkpk;Z egksn; dk vkHkkj izdV djrk

gwWaaa ftUgksaus esjs ifj;kstuk dk;Z dks rS;kj djus esa egkfo|ky; esa lqfo/kk,Wa iznku dha A

'kkghu [kku okf.kT; ladk; dh foHkkx v/;{k dks Hkh /kU;okn nsrk gwWa ftUgksus

le;≤ ij ekxZn’kZu fd;kA eSa funsZ’kd 'kkguhu [kku dks gzn; ls /kU;okn nsrk gwWa

ftUgksus viuk vewY; le; nsdj esjk ifj;kstuk dk;Z lEiUu djk;kA lkFk gh lkFk

egkfo|ky; ds mu leLr f'k{kdksa dks /kU;okn nsrk gwW ftUgksus izr;{k ,oa vizR;{k :Ik ls

esjs ifj;kstuk dk;Z esa ekxZn'kZu nsrs jgssA

vr% eSa vius ekrk&firk ds izfr _.kh gWwa ftUgksus esjs ifj;kstuk dk;Z dks ;ksxnku

fn;kA

LFkku %& lkxj izLrqrdrkZ

fnukad%& ---------------- uke % nw/kukFk ik.Ms;

d{kk % ch dkWe prqZFkZ lses-

ffoo||kkFFkkhhZZ ddkk ??kkkkss""kk..kkkk iizzeekk..kk&&ii==

eSa nw/kukFk ik.Ms; vkRet Jh iz’kqjke ik.Ms; ?kksf"kr djrk gWwa fd lyaXu

ifj;kstuk dk;Z esajs }kjk Loa; iw.kZ fd;k x;k gS ,oa ekSfyd gSA mDr ifj;kstuk

dk;Z esaus Jhefr 'kkguhu [kku ds ekxZn'kZu esa iw.kZ fd;k gSA

fnukad %--------------------- fo|kFkhZ ds gLrk{kj %-------------------

uke % nw/kukFk ik.Ms;

d{kk % ch dkWe prqZFkZ lses

vuqdzekad %

llooss ZZff{{kkrr llaaLLFFkkkk ddkk iizzeekk..kk&&ii==

izekf.kr fd;k tkrk gS fd nw/kukFk ik.Ms; us vius

ifj;kstuk dk;Z dks iw.kZ djus gsrq bl laLFkk esa mifLFkr gq,sA

ifj;kstuk dk;Z ds nkSjku budk dk;Z ,oa O;ogkj larks"ktud

jgkA

LFkku % lkxj gLrk{kj %------------------------------------

fnukad %------------------ Ukke %------------------------------------

in %-----------------------------------

dk;kZy;@laLFkk %------------------------------------

iiffjj;;kkssttuukk ddkk bbUUVVjjuussVV }}kkjjkk llaaxxzzgg

chek daiuh D;k gS ,oa blds izdkj D;k gSA

thou chek D;k gS Hkkjr es L.I.C. dk bfrgkl ,oa orZeku

fLFkfr D;k gSA

LokLF; chek D;k gS LokLF; chek daiuh;ksa }kjk iznku LokLF;

chek ;kstuk,aA

nkf;Ro chek D;k gSA

chek ds fy;s vko';d lw>ko D;k gSA

llaannHHkkZZ&&llwwpphh

iqLrd dk uke ys[kd dk uke o"kZ

chek ds fl)kar MkW- ,- ,e- jkBh

2009

ifj;kstuk fu;kstu

,oa fu;a=.k

vkj- lh- vxzoky

2011

eqnzk cSafdx

vUrjk"Vªh; vFkZ

MkW- jkejru 'kekZ

2010

vvuuqqddzzeeff..kkddkk

ÑÑeeaakkdd ''ÊÊ""kkdd ii``""BB llaa[[;;kk

11 iizz''uu mmRRrrjj

22 cchheekk ddkk vvkk''kk;;

33 cchheekk ddhh mmRRiiffRRrr ,,ooaa bbffrrggkkll

44 vvkkoo'';;ddrrkk

55 cchheekk ddEEiiuuhh ddhh ddkk;;ZZiizz..kkkkyyhh

66 cchheekk ddEEiiuuhh

77 cchheekk ddss iizzddkkjj // tthhoouu cchheekk

88 HHkkkkjjrr eess tthhoouu cchheekk

99 HHkkkkjjrr iizzeeqq[[kk tthhoouu cchhee ddaaiiuuhh;;aa LLookkLLFFkk;;

cchheekk

1100 LLookkLLFFkk;; cchheekk

1111 nnkkff;;RRoo cchheekk

1122 HHkkkkjjrrhh;; cchheekk cckkttkkjj

1133 ffuu""dd""kk ZZ

1 ifj;kstuk dk;Z dk ’kh"kZd

chek dEiuh dh dk;Ziz.kkyh

2 ikB;dze dk p;u djus ds ihNs vkidk D;k mn~ns’; gS \

ch-dkWe dk p;u djus dh ihNs esjk mn~sn; ;g gS fd ch-dke ds }kjk esa vPNh

ukSdjh djuk pkgrk gwWa ,oa vPNh ukSdjh ds fy;s esa ,e-ch-,- dh rS;kjh dj jgk

gWw esjk mn~ns’; ,e-,-V- dh rS;kjh djds ,e-ch-,- ds fy;s vPNk dkWyst ,oa

mlds ckn vPNh rs;kjh ls ,e-ch-,- dEiyhV djuk gS vkSj s vPNh dEiuh esa

ukSdjh djuk gSA

3 fodYi fuEufyf[kr {ks= esa fdlls lacaf/kr gS \

;g fodYi v)Z’kkldh; laLFkksa lacaf/kr gS

4 fodYi dk p;u djus ds ihNs vkidks fdlls izsj.kk feyh

bl fodYi dk p;u djus ds ihNs eq>s esjs f’k{kd ls izsj.kk feyh A

5 fodYi ds fy;s U;wure vgZrk; \

’kS{kf.kd ;ksX;rk %&

chek dEiuh dk ,ts.V cuus ds fy;s ,oa dk;Z

djus ds fy;s U;qure 12 oh ikl gksuk pkfg;s ,oa

prqj gksuk vfuok;Z gSA

rduhd Kku %&

chek dEiuh ds ,d lQy ,sts.V dks rduhdh Kku

esa dEI;wVj ij dk;Z djuk vkuk pkfg;s D;ksafd vkt

yxHkx lHkh ,stsUlh lacaf/kr ,oa vU; lHkh dk;Z

dEI;wVj dk Kku Hkh vko’;d gSA

vuqHko %&

chek dEiuh dk ,d lQy ,sts.V ckrks dk

ckn’kkg gksrk gS ,oa og viuh okrksa ls nwljs O;fDr;ksa

dks vkdf"kZr djrk gS ;g ,d lQy ,sts.V dk izeq[k

xq.k gksrk gS chek dEiuh ds ,d lQy ,sts.V dks

U;wure 1 lky dk Kku

,oa 2 lky dk vuqHko mldh O;ogkj ‘’khyrk ij

vk/kkfjr gksrk gSA

ifj;kstuk ls lacf/kr dkslZ ,oa laLFku

chek ,ts.V ouus ds fy;s izos’k ifj{kk nsuh iM+rh gSA ftls ,sts.V

p;u ijh{kk Hkh dgrs gSA chek dEiuh tkdj ,d p;u QkeZ Hkjuk iM+rk

gSA p;u QkeZ Hkjus ds ckn mldk ,d VsLV ¼b.VjO;wg½ fy;k tkrk gS fd

og ,sts.V ouus ;ksX; gS ;k ugha A blds ckn mldks p;fur fd;k tkrk

gS fQj mls izf’k{k.k ds fy;s Hkstk tkrk gS ,oa tc mldk izf’k{k.k lekIr gks

tkrk gS rc mldksa ,d vkSj ifj{kk nus iM+rh gS ftls izeq[k ijh{kk Hkh dgrs

gS vkSj blds ckn ,ts.V ouk fn;k gs blds fy;s 12th ikl gksuk o rduhdh

Kku dk gksuk o mPpf’k{kk dk gksuk Hkh vko’;d gSA

6 losZf{kr fotV dh xbZ lLFkkvks ls izkIr tkudkjh fd;s x;s

dk;ksZ dk frfFkokj fooj.kA

7 fo|kFkhZ }kjk mijksDr fodYi ls lacf/kar tkudkfj;kWa ,df=r

djus esa fd;s x;s iz;klksa dk foL=`r C;kSjk \

gesa ;g tkudkjh vius f’k{kd ds }kjk feyh dh chek vius

tksf[keksa dks vU; ykssxksa ;k mi;qDr ,stsfUl;ksa dks fuf’pr izhfe;e dk

dz-

fnukad

laLFkk dk

uke

laidZ fd;s gq;s O;fDr;ksa ds

uke nwjHkk"k

izkIr dh xbZ

tkudkjh

1

22-09-11

,y-vkbZ-lh-

lksedkUr dUgkSvk 09300649001

chek }kjk

O;fDr;ks dks

lqfo/kkvksa dh

tkudkjh izkIr

gqbZ A

2

25-9-11

fjyk;al

fouksn nqos 09771339804

chek gekjs

thou esa D;ksa

vko’;d gSA

Hkqxrku djds gLrkarfjr djus dh dyk ;k fof/k gSA ,oa chek dEiuh

dh dk;Ziz.kkyh dh vf/kd tkudkjh eq>s ¼chek ds fl)kar½ uked iqLrd

ls feyh ,oa dqN tkudkjh eq>s chek ,sts.Vks ls Hkh feyhA

8 mijksDr fodYi ds {ks= esa Hkfo"; dh pqukSfr;ka ,oa lEHkkfor

mik; &

ifj;kstuk dh pqukSfr;ka &

Hkfo"; dks fdlh us ugh ns[kk fd dc

fdldksa d;k gks tk;s ;fn Hkfo"; ns[kk tk;s rks ekuo thou ds lkFk ,slh

dksbZ leL;k mRiUu ugha gksrh ftlls fd gesa u gkfu mBkuh iM+ss vkxs

pydj ;k dqN iy ckn D;k gks tk;s fdlh dks irk ugh jgrkA blfy,

lHkh dks thou chek djokuk pkfg, ftllsa mlds ifjokj ij dksbZ ijs’kkuh

u vk;sA dEiuh es ;k dksbZ izkbZosV cSad esa ;g gekjh vis{kk,W gh gSaaA

9 izFke f}rh; lsesLVj esa fn, x;s fodYiksa dk rqyukRed

v/;;u

eSaus izFke lsesLVj esa chek dEiuh dh dk;Ziz.kkyh] tks fd esjk

'kh"kZd gS blesa eSaus chek dk vk'k; mRifRRk ,oa fodkl vkSj bldh

vko';drk ds ckjs esa crk;k Fkk ,oa f}rh; lsesLVj esa chek dk vk'k;

bldh mRifRRk ,oa fodkl bldh vko';drk ,oa blds izdkj ds ckjs esa

crk;k gS ,oa chekdh ladYiuk chek dEiuh ,oa chek dEiuh dh

dk;Ziz.kkyh ds ckjs esa laf{kIr :i ls crk;k gS

eq>s chek dEiuh dh dk;Ziz.kkyh dk v/;;u ds djus ds ckn

irk pyk fd; chek dk gekjs thou esa egRoiw.kZ LFkku gS ] chek ds ckjs

esa izR;sd O;fDr;ksa dks tkudkjh gksuh pkfg, euq"; dks fdlh Hkh izdkj

dh {kfr ls mlls cpus ds fy;s chek dEiuh gh ,d ek= lk/ku gS A

vr% esa chek ls gksus okys ykHkksa ds ckjs esa vU; O;fDr;ksa dks tkx:d

djus ds fy, iz;kl djrk jgw¡xkA

10 mijksDr fodYi dk p;u djus dk foLrfjr dkj.k

bl fodYi dk p;u djus dk izeq[k dkj.k ;g fd chek

{kfriwfrZ dk ,d ek= lk/ku gS tks fd ;g ckr eq>s esjs f'k{kd ds }kjk crkbZ

xbZ bl fo"k; ij eSaus fopkj fd;k blds fy;s chek ds fl)kar uked iqLrd

dk v/;;u fd;k rc eq>s bl fo"k; esa vf/kd :fp cM+h vkSj eSaus bl

fodYi ds ckjs esa vius f'k{kd ls vf/kd tkudkfj;ksa dks ,df=r fd;k vkSj

ftl dkj.k ;g fodYi p;u fd;k vkSj eSaus ;g izkstsDV iw.kZ fd;kA

12- mijksDr fodYi ds {ks= esa Hkfo"; dh pqukSfr;k¡

orZeku Hkfo"; esa chek ls gksus okys YkkHk vusd gS rks Hkfo"; esa

rks dbZ chek ls gksus okys YkkHkksa fd dksbZ fxurh gh ugha gksxh Hkfo"; esa chek

izR;sd O;fD;ksa ds lkFk&lkFk izR;sd ml e`r oLrq dk Hkh gksxk tks euq"; dks

vR;f/kd fiz; ,oa futh gSA

vr% chek Hkfo"; esa chek euq"; dks lgkjk ns ldrk gSA

cchheekk ddkk vvkk’’kk;;

chek nks i{kksa ds e/; ,d ,slk vuqca/k gS ftlds vuqlkj chekdrkZ

chek/kkjh dks Nfr gksus ij ,d fuf’pr jde nsus dk opu nsrk gS vkSj blds

izfrQy esa chek/kkjh ls dqN ‘’kqYd ysrk gSA

chek vius tksf[keksa dks vU; yksxksa ;k mi;qDr ,stsfUl;ksa dks

fuf’pr izhfe;e dk Hkqxrku djds gLrkarfjr djus dh fof/k gSA

chek nks i{kksa ds e/; {kfriwfrZ djus dk ,d vuqca/k gksrk gS bl

vuqca/k esa tks chek djkrk gS ;k ftls {kfriwfrZ feyrh gS mls chfer dgrs gSA

tks dEiuh chek djrh gS ;k ftlds }kjk {kfriwfZrZ dk Hkqxrku

fd;k tkrk gS mls ched dgk tkrk gSSA rFkk ftl /kujkf’k ds fy;s chek

djk;k tkrk gS mls chek dh /kujkf’k dgrs gSA bl lsok ds cnys tks jkf’k

chfer }kjk ched dks nh tkrh gS mls izhfe;e dgrs gSA

cchheekk ddEEiiuuhh ddhh iizzLLrrkkoouukk

chek dEiuh ls vk’k; gekjs thou esa gksus okyh leL;kvksa dks iwjk

djus ds fy;s gksrk gS thou esa euq"; dks ,d ckj chek djokuk pkfg;s

D;ksfd Hkfo"; esa vkus okyh pqukSfr;ksa dk lkekuk dj lds A vius vkidks

rFkk ifjokj dks [kq’kh [kq’kh ls j[kus dk ;g ,d vPNk mik; gS ;fn e`R;q

ds ckn ifjokj larks"ktud jgsA

e`R;q vkSj xaHkhj chekjh fgrykHk ds izHkkjks dh x.kuk

izLrkod esa ?kksf"kr chfer O;fDr ds vk/kkj ij dh tkrh gS ;fn mldh vk;q

mDr vk;q ls vf/kd gks rks fuxe ds vU; vf/kdkjks rFkk mipkjks ij chek

vf/kfu;e 1930 ds vUrxZr vf/kdkjh rFkk mipkjks lfgr dksbZ izfrdwy izHkko

Mkys fouk ,sls ekeys ds e`R;w vkSj xEHkhj chekjh ds izHkko izos’k ds le;

lgh vk;q ds fy;s lacaf/kr chek jkf’k ij laxfBr nj esa dkVs tk;saxk

ikfylh/kkjd ds fy;s vof/k ds nksjku lHkh iz;klksa dh x.kuk ds fy;ss izLrko

i= esa ?kksf"kr vk;q dks lgh ekuk tk;sxkA

IIffjj;;kkssttuukk ddss llaacc//kk eess ““ffoo’’;; ffyy;;ss llww>>kkoo

इन आम पर और

और ,

पर , और

आम पर और

और

कर

पर

कर !

आप और

चयन कर और इस तरह बचत कर और

समय आप आन और ,

नकद , और

अगर और ईएमआई अगर

इस रकम

इस अगर

milagkj %&

chek nks i{kksa ds e/; ,d ,slk vuqca/k gksrk gSA ftlds }kjk chedRRkkZ

chek/kkjh dks fdlh Hkh izdkj dh Nkfr ls cpus ds fy;s chek ds ckjs esa

crk;k gS ,oa chek/kkjh dks mlds cnys ,d fuf'pr jde nsus dk opu nsrk

gSA chek dk vkTk ds ;qx esa egRoiw.kZ LFkku gS chek vkt izR;sd O;fDr dks

djokuk vfuok;Z gksrk gSA bl ifj;kstuk dk;Z nkSjku eSaus chek dks gh losZifj

o loksZRre lk/ku ekuk gS gkfu ls cpus ds fy, ;k mldh iwfrZ djus ds

fy;s A

pw¡fd chek O;olk; esa vfHkdrkZ ,d egRoiw.kZ Hkwfedk fuHkkrk gS A vr%

bldh leL;kvksa ds izfr tkx:d jguk thou chek fuxe dk dRkZO; gksuk

pkfg,A