February 15, 2020

Getting Foreign Currency has never been so easy Buy/Sell Foreign Currencies Send Money Abroad Unimoni Multi-Currency Card for travelling abroad

Call 1800 102 0555 www.unimoni.in

DÅS¡w CONTENTS

9

www.dhanamonline.com

Mumbai Business Office: 501/502, Imperial Plaza, Corner of 27th & 30th Road Nr. Nilgiri Garden, Bandra (W), Mumbai400 050, Phone: 26400735, 26400829, Fax: 02226411894

amä§Ä Adnbmw,

Mukesh Ambani

shÃphnfnIsf adnIS¶v apt¶dmw

12 IhÀ tÌmdn _nkn\kv Ahkc§Ä

15 A¨Sn ajnbpw

hmÀWojpw \nÀan¡mw

kwcw`IXzw

20 UnPnä amÀ¡änwKn {i²nt¡ï 5DIÄ F.BÀ cRvPnXv

C³shÌvsaâ v ssKUv

23 _Päpw hn]Wnbpw

]pXnb km[yXIfpw! s]mdn©p shfnb¯v

16

hn-PbIY

]me¡mSv Sp P¸m³

Mumbai Marketing Office: Mr. Preman Isace Mobile No. +91 98331 90773 Email: mainstream.planet@gmail.com

Today I see a billion people as a billion potential consumers, an opportunity to generate value for them and to make a return for myself”

[\w _m¦nwKv, ^n\m³jy kÀhokkv B³Uv C³jpd³kv kanäv & AhmÀUv ss\äv 2020

Publications Pvt.Ltd. Chief Editor & MD Kurian Abraham Executive Editor Maria Abraham Associate Editor T.S.Geena Assistant Editor Resya V.R Principal Correspondent N.S.Venugopal (Tvm) Senior Correspondents Binnu Rose Xavier, K. Ajayakumar (Northern Kerala) Vice President Marketing Vijay Kurian Abraham General Manager (Marketing) Mohana Kumar DGM Marketing M.V. Muraleedharan Senior AGM Sales Rajasree Varma AGM Marketing Satheesh Kumar G Regional Manager Marketing Mangalesh Mani C.P Assistant Manager Marketing Rajendran Nair K.G DGM Circulation & Administration Manoj George Assistant Manager Circulation Pradeep C.K Chief Designer Boban Devasia Senior Designer Roji John Senior Production Coordinator Biju V.O Production Coordinator Letha Raju Editorial & Business Offices Cochin: Dhanam House, 29/609, Cheruparambath Road, Kadavanthra, Cochin682 020 Phone: 04842315840, 2316494 Fax: 2317872 Email: mail@dhanam.in Editorial Annexe: Phone: 04844047816, 9946632206 Email: dhanam20@gmail.com Website: www.dhanamonline.com

“

C-hâkvv

10

A`n-apJw

22

_m-¦nwKv

Hcp kvamÀ«v kwcw`I-bm-{X

New Delhi: N Kunju (Editorial Representative) Phone: 911122755357 Delhi Business Office: Dinesh K. Srivastava, 31D, PocketB, Dilshad Garden, Delhi110 095 Email: dhanam.srivastavadk@gmail.com, dineshk.srivastava@gmail.com Phone: 09810735111, 09953712446, 911122755357

tZhZmkv ]mdbv¡Â

Have a Query? Call us Subscription offers: subscription@dhanam.in Phone: +91 484 2316494 / 2315840 Advertisement options: advertise@dhanam.in Phone: +91 484 2316494/2315840 Editorial: dhanam20@gmail.com, mail@dhanam.in Phone: 0484 4047816, 9946632206 Reader’s response: dhanam20@gmail.com Phone: 0484 4047816 Customer Service: +91 484 2316494/ 2315840

Dhanam Magazine Subscription Rate 1 Year `600 2 Year `1200 3 Year `1800 5 Year `3500 Overseas $200 Cover : Boban Devasia

4

s^{_phcn 15, 2020

"UnPnä Id³kn, \qX\ D¸¶t{iWn...

19

_m¦nwKv taJebn hcpw, h³ amä§Ä'

""tIcf _m¦n\v aÕcn¨v apt¶dm\mIpw'' sI.kn kltZh³

iymw {io-\n-hm-k³

t^m¡kv

hnZym`ymk cwK¯v hyXykvXXbneqsS

t\SnsbSp¯ hnP-bw

t]gvkWÂ ^n\m³kv

24 IS¯n \n¶v IcIbdmw, 10 hgnIfnXm...

amt\Pvsaâ v

31 amµyw adnIS¡m³

P\dnIv acp-¶p-IÄ Sn\n ^nen¸v

{ioIm´v hmgbnÂ

shÂs\kv

26 i¼f¡mÀ¡pïv \nIpXnbnf-hp-IÄ cmtPjv ]p¯³]pcbnÂ

[\w hyh-kmb hmWnPy ssZzhm-cnI

32 CXmWv AXnk¼¶cpsS iàamb ioew!

A-\q-]v G-{_lmw

S ’ A I D N UTH I

T S E G G I B I BFS MIT SUM O

JOIN S

A co nc Ban lave of ks, Stoc NBFCs, kB Mut roking ua Fir Insu l Funds ms, , ran Inve ce Com stor s & panies, Con sulta nts

WHO SHOULD ATTEND 1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

15.

Banks NBFCs Insurance companies Mutual Funds Co-operative Banks Stock Broking Firms & Investors Gold loan companies Portfolio managers Foreign exchange dealers Senior professionals in finance High networth individuals & NRIs Economists & Academicians Financial Advisors Stock Market Analysts Management Institutes

KEY HIGHLIGHTS OF THE SUMMIT l l l l l l l

400+ delegates 15+ expert speakers Enriching panel discussions Networking Dinner Exhibition stalls Gala Award Night

Fireside Chat

For details contact: Mr. Vijay Abraham : +91 80865 82510 Mr. Mohanakumar R : +91 90614 80718

www.dhanambfsisummit.com Dhanam Publications Pvt. Ltd. Phone: 91-484-2316494/ 2315840 Email: mail@dhanam.in Website: www.dhanamonline.com CURRENT & EARLIER SPONSORS INCLUDE:

Experience Next Generation Banking

27 2020

FEBRUARY

LE MERIDIEN, KOCHI 9:30 AM - 9:30 PM

......................... THE CONFIRMED & INVITED SPEAKERS INCLUDE .........................

Mr. T C Suseel Kumar, Managing Director, LIC of India

Mr. Mrutyunjay Mahapatra, Mr. P R Ravi Mohan, MD & CEO, Chairman, Syndicate Bank ESAF Small Finance Bank

Mr. V.P. Nandakumar, MD & CEO, Manappuram Finance Ltd.

Mr. Shyam Srinivasan, Managing Director & CEO, The Federal Bank Ltd.

Mr. Atul Sahai, Chairman-CumManaging Director, The New India Assurance Co.Ltd.

Mr. Raj Kiran Rai, Managing Director & CEO, Union Bank

Mr. Adeeb Ahamed, Managing Director, Tablez, LuLu Financial Group & Twenty14 Holdings

Mr. M.L. Das, Chief General Manager , SBI

Dr. R. Seetharaman, CEO, Doha Bank

Mr. V.G. Mathew, Managing Director & CEO, South Indian Bank Ltd.

Mr. R. Srinivasan, Mr. K.P. Padma Kumar, Ms. Lakshmi Iyer, Chief General Manager, Former Chairman, Chief Investment Officer NABARD The Federal Bank Ltd. (Debt) & Head Products, Kotak Mahindra Asset Management Co. Ltd

Mr. Paresh G Sangani, Prof Ujjwal K Chowdhury, Chairman and Pro Vice Chancellor, Managing Director, Adamas University, Kolkata Club Millionaire Financial Services Pvt.Ltd., Mumbai

DELEGATE FEE Early bird rate: up to 15 February 2020 : Rs. 4500 + 18% GST + 1% KFC = Rs. 5355/- per delegate Regular rate: Rs. 5500 + 18% GST + 1% KFC = Rs. 6545/- per delegate Spot registration: Rs.6000 + 18% GST + 1% KFC = Rs. 7140/- per delegate

Calendar of Events

s^-{_p-hcn

A-timIv, _w-K-fqcq, kn.sF.sF kw-L-Sn-¸n-¡p¶p. t^m¬: +91 98842

6-16

28944, www.ciiaidigitech.in

IrXn 2020: CâÀ-\m-j-W _p-

¡v s^bÀ a-ssd³-ss{Uhv, sIm¨n, kmln-Xy {]-hÀ-¯I tIm-¸-td-än-hv skm-ssk-än en-an-ä-Un-sâ B-`n-apJy-¯n \-S-¯-p¶p, t^m¬: +91 9497797101, +91 9349780487, Cþsa-bvÂ: krit hibookfest@gmail.com, www.krithibook fest.com, www.krithilitfest.com

13 skan-\mÀ Hm¬ ^m-an-en _n-kn\-kv, sI-]n-Fw ss{S-s]â tlm«Â,

tIm-gn-t¡mSv, ssS tI-c-f kw-L-Sn-¸n¡p¶p, t^m¬: +91 9846297055, 0484 4015752, Cþsa-bvÂ: nirmal.panicker@ tiekerela.org

7-9

[\w _m-¦nw-Kv ^n-\m³-jy kÀ-hok-kv B³-Uv C³-jp-d³-kv C³-sh-Ìvs- aâv k-an-äv & A-hmÀ-Uv ss\-äv 2020

C-´y CâÀ-\m-j-W ko-^p-Uv tjm, tlm«Â {Km³-Uv

l-bm-¯v, t_mÄ-Km«n, sIm¨n, Fw-]n-CU - n-Fb - p-sSbpw ko-^p-Uv FIvkvt- ]mÀ-t«-gvk - v A-tkm-kn-tb-j³ Hm-^v C-´y-bpsSbpw kw-bp-àm-`n-apJy-¯nÂ, t^m¬: +91 484 2321722, +91 484 2666572, Cþsa-bvÂ: iiss@mpeda.

[\w ]-»n-t¡-j³kv kwLSn-¸n-¡p¶p

gov.in, seaihq@gmail.com, https://www. indianseafoodexpo.com/

7-12

s^{_phcn 27, 2020 tlm-«Â se sa-dnUnb³, sIm¨n, t^m¬: +91 484

Hm-t«m F-Ivkvt]m þ Zn tam-t«mÀ tjm 2020, C-´y

F-Ivkvt]m amÀ«v, t{K-äÀ t\m-bv-U, D¯À-{]-tZiv, Zn Hm-t«m-tam-«n-hv Iw-t]m Wâv am-\p-^m-Iv-N-td-gv-kv A-tkm-kntbj³ Hm-^v C-´y kw-L-Sn-¸n-¡p¶p. t^m¬: +91-11- - 47103010, 24647810--12, Cþsa-bvÂ: delhimotorshow@siam.in, http://www.autoexpo-themotorshow.in/

11-12 A¹n-t¡j³ & Un-PnþsS-Iv- kan-äv & F-Ivkv-t]m, tlm-«Â e-en-Xv

2316494 /2315840 CþsabvÂ: mail@dhanam.in, www.dhanamonline.com

13-15 CâÀ-\m-j-W kv-t]mÀ-Sv F-Ivkvt]m tI-c-f 2020, Pn-½n tPmÀ-Pv C³-tUmÀ kv-tä-Unbw, Xn-cp-h-\-´]pcw, C-´y³ F-Iv-kn-_n-j³ kÀ-hok-kv kw-L-Sn-¸n-¡p¶p. t^m¬:

4-6

13-15

ln-µp-Øm³ CâÀ-\m-j-W ^À-Wn-¨À s^-bÀ (HIFF),

C´y Ce-t{Îm-Wn-Ivk - v ho-¡v IÀ-Wm-SI - t{S-Uv s{]m-

tamj³ HmÀ-Ks - s\tkj³ (KTPO) t{S-Uv skâÀ, _w-K-eq-cp, C-e-t{ÎmWn-Iv-kv t^mÀ bq Sow kwLSn-¸n¡p¶p. C-sa-bvÂ: efychn@efy.in t^m¬-: +91- 98111-55335 https://www. indiaelectronicsweek.com/

19-20 sIFw-F B-\p-h I¬sh³ j³, se sa-dn-Un-b³, sIm¨n, tIc-f

am-t\-Pvs - aâv A-tkm-kn-tb-j³ kwL-Sn-¸n-¡p¶p t^m¬: 0484 4044367, 2317917, Cþsa-bvÂ: info@kma.org.in

19-21 28a-Xv I¬-shÀ-P³-kv C-´y 2020, {]K-Xn ssa-Xm³, \yq-UÂln,

C-´y t{S-Uv s{]m-tamj³ HmÀ-K-ss\tk-j-sâbpw F-Iv-kn-_n-j³ C-´ybp-sSbpw kw-bp-àm-`n-ap-Jy-¯nÂ, t^m¬: +91 98110 78179, Cþsa-bvÂ: pramitk@eigroup.in, https://www. convergenceindia.org/

UnPn-ä {Sm³kv-t^mÀ-ta-j³ kv-{Smä-Pn am-kv-äÀ ¢mkv sF.än.

timesinternet.in, www.etmasterclass.com/ dtsm6

ssSw am-t\-Pv-saâ n-\v 18 amÀ-K§Ä ORDER

hmjnwKvS-Wn thÄUv _m¦nsâ s{]mPIväv Chmepthj³ kvs]jenÌv Bb kXn A¨¯v tam«nthjW kv]o¡À, Fgp¯pImc³ F¶o \neIfn {]ikvX\mWv. bp.-Fkv Kh¬saânsâ "Akm-[m-cW Ign-hp-I-fpÅ Hcp hyàn' F¶ A]qÀh _lp-a-Xnbpw kXn A¨¯v t\Sn-bn-«p≠v.

Rm³ [\w {]kn-²o-I-cn--¨ "ssSw am-t\-Pv-saân-\v 18 amÀ-K§Ä' F¶ ]pkvX-I¯nsâ 1/2/5/10/50/100/500/-..................... tIm-¸nIÄ hm-§p-hm³ XmÂ-¸-cy-s¸-Sp¶p. Iq-Sp-X tIm-¸n-IÄ F-sâ I¼\n-bn-se Po-h-\-¡mÀ¡pw a-äp kp-lr-¯p-¡Ä¡pw k-½m-\am-bn \Â-Ip-¶-Xn-\p-th-|n-bmWv. t]cv . .......................................................................................................................................................................................................... taÂhn- e mkw.......................................................................................................................................................................................... .............................................................................................................................................................................................................. ]n³: t^m¬: Cþ-sabvÂ: sXmgnÂ................................................................................................................................... hbkv...........................................

H¸v ]W-a-S¨ hnh-c-§Ä: XpI ` 50. (for Non MICR Cheques Rs. 40/- extra.)

NEFT E-Transfer DD Cheque M.O. hnh-c-§Ä _m¦v......................................................................... {_m©v..........................................................................

XnbXn.....................................

Cheruparambath Road, Kadavanthra, Cochin-682 020 Phone: 0484-2315840, 2316494, 3297806 Fax: 2317872 Email: circulation@dhanam.in, cherukara@dhanam.in Web: www.dhanamonline.com

6

s^{_p-h-cn 15, 2020

6-7 ]n BÀ _ntbm|v 20:20 tIm¬t¢hv - 14a-Xv t¥m-_Â

I-ayq-Wn-t¡-j³ tIm¬-t¢hv, tKm-Ip-ew ]m-À-¡v tlm-«Â & CâÀ\m-j-W I¬-sh³-j³ skâÀ, I-eqÀ, thÄ-Uv I-ayq-Wn-t¡-tä-gv-kv Iu¬-kn-sâ k-l-I-c-W-t¯m-sS ]-»n-Iv dn-te-j³-kv Iu¬-kn Hm-^v C´y kw-L-Sn-¸n-¡p-¶p. sa-bvÂ: kuttyus@gmail.com, rekhabit ta@gmail.com, t^m¬: 9846058841, 9880682490, 9895132640, www.publicrela tionscouncilofindia.com

7

FORM

Dhanam Publications Pvt. Ltd.

amˬv

{K-Ù-Imc³

kXn A¨¯v

Bank Transfer (inside India in INR)

Account Name: Dhanam Publications Pvt. Ltd., Kadavanthra Account No. : 10580200003399 Bank: Federal Bank Ltd., Girinagar IFSC/RTGS code: FDRL0001058

[\w hyh-kmb hmWnPy ssZzhm-cnI

sIm-Uokn-b t{S-Uv s^-bÀ tImw¹Iv-kv, tIm-b-¼-¯qÀ, Cþsa-bvÂ: hello@hiff.in, t^m¬: 91- - 7356443333, www.hiff.in

7-9 ^p-Uv t{]m-k-knw-Kv F-Ivkn-_nj³, tlm-«Â Im-ä-dnw-Kv & t_¡-dn F-Ivkvt]m, sSâv, sU¡À, sse-äv & ku-|v F-Ivkv-t]m, Im-en¡-äv t{S-Uv

skâÀ, tIm-gn-t¡mSv, Pm-jv t{S-Uv & F-Iv-kn-_n-j³-kn-sâ B-`n-ap-Jy¯nÂ, t^m¬: +91 44 4276 9992, sam-_oÂ: +91 99403 20902, CþsabvÂ: jashtrade05@gmail.com, https:// www.jashtrade.co.in/

23-25 dq^v C-´y F-Iv-kn-_n-j³ 2020, _mw-¥qÀ CâÀ-\m-j-WÂ

F-Iv-kn-_n-j³ skâÀ, t^m¬: +91 97899 94131, Cþsa-bvÂ: siva. prasad@hyve.group, https://roof india.com/

{]nâv an-d¡ - vÄ F-Ivkvt- ]m,

19-21 kn {Km³Uv, tKm-h, t^m¬: +91 99906 30564, Cþsa-bvÂ: fazal.misbah@

PohnX¯n hnPbw B{Kln¡p¶ hÀ¡v ssSw amt\Pvsaâ v IqSntb Xocq. kabw ^e{]Zambn D]tbmK s¸Sp¯n t\«§Ä kz´am¡m\pÅ 18 hgn IfmWv Cu ]pkvXI¯n epÅXv. ssZ\wZn\ PohnX ¯n {]tbmK¯n hcp¯m³ Ignbp¶ XnI¨pw efnXamb amÀK§Ä. Hcp Znhk¯nse 24 aWn¡qÀ F§s\ anI¨ coXn-bn D]tbmKn¡Ww F¶v Cu ]pkvXI¯neqsS a\knem¡mw.

G-{]nÂ

+91-9811913376, +91-8860421562, +91-120-4138410 Cþsa-bvÂ: event@ ies-india.com, http://sportx.co.in/

2þaXv Fw.F-kv.Fw.C C-¶th-j³ & kv-ämÀ«-¸v k-anäv

am³t^m I¬-sh³-j³ skâÀ, _mw-¥qÀ, FKCCI-bp-sSbpw G-jy³ Ad-_v tNw_À Hm-^v sIm-ta-gv-kv B³Uv C³-U-kv-{So-kn-sâbpw k-l-I-c-W-t¯msS K-h¬-saâv Hm-^v C-´y kw-L-Sn-¸n-¡p¶p. t^m¬: +91 8884886363, https://www.summen torpro.com/msme/

11-14 sajn³ SqÄkv, am-\p-^m-Iv-N-dnwKv B³-Uv sSIv-t\mf-Pn F-Ivkvt]m 2020, t_mw-s_ F-Iv-kn-_nj³ skâÀ, apw-ss_, s\kvtIm F-Iv-kn-_n-j³- kw-L-Sn-¸n-¡p¶p. t^m¬: 9833110372 Cþsa-bvÂ: prashant.bahl@nesco.in, http://www. mmtexpo.in/

tjm-tI-kv t{S-Uv s^-tb-gvk - v B³Uv _nkn\-kv aoUn-b ss{]h-äv en-an-äU - n-sâ k-lI - c - W - t¯msS tIc-f am-kvä - À {]n-tâ-gvk - v A-tkm-kn-tbj-³ kw-LS- n-¸n-¡p¶p knbm t{S-Uv & F-Iv-kn-_nj³ skâÀ, s\-Sp-¼m-tÈcn, sIm¨n t^m¬: +91- 22-28803977, +91- 0484- 4042715, Cþsa-bvÂ: kmpa@airtelmail.in, http://show case-expo.com/PrintMiracleExpo

sabv 7-10 ku-¯v C-´y {Sm-h F-Ivkvt]m (SITE 2020), DZ-bv ]m-e-kv

I¬-sh³-j³ skâÀ, I-h-Sn-bmÀ, Xn-cp-h-\-´-]p-cw, ku-¯v tI-cf tlm-«-te-gv-kv t^m-d-¯n-sâ-bpw (SKHF) ku-¯v C´y tlm-«Â-kv B³Uv sd-kv-säm-dâv (SIHRA) Atkm-kn-tb-j-sâbpw kw-bp-àm-`n-apJy-¯n kw-L-Sn-¸n-¡p-¶p, t^m¬: 9947733339. Cþsa-bvÂ: info@skhfsite. com, http://www.skhfsite.com/

Pq26-28 CeIvkvt]m CâÀ-\m-j-W t{S-Uv s^-bÀ t^m-À Ce{În-Iv B³-Uv Cet{Îm-Wn-Iv, sNss¶ t{S-Uv skâÀ, sN-ss¶, kv-amÀ-«v F-Ivkv-t]m-kv B³-Uv s^-tb-gv-kv C-´y ss{]h-äv en-anä-Uv kw-L-Sn-¸n-¡p-¶p. t^m¬-: +91 97909 66868 C-sa-bvÂ: kamal.

elecxpo@smartexpos.in, https://elecxpo. in

hmÀ¯-I-fnÂ

PEOPLE IN THE NEWS

]obp-jv tKmb hn-hm-Z {]-kv-Xm-h-\-bpw ]n-

¶o-Sv A-Xn-\v Xn-cp-¯p-am-bmWv tI-{µ hm-Wn-Py-a-{´n ]o-bp-jv tKm-b hmÀ-¯-Ifn C-Sw t\-Sn-b-Xv. C-´ybn 100 tIm-Sn tUm-fÀ \n-t£-]w \-S-¯p-sa-¶ B-a-tkm¬ ta-[m-hn sP-^v s_-tkm-kn-sâ {]-Jym-]-\w Hu-Zm-cy-a-sÃ-¶m-Wv ]o-bp-jv tKm-b B-Zyw ]dªXv. C-´y³ tImÀ-¸-td-äv tem-Iw tI-{µ-a-{´n-bp-sS hm-¡p-IÄs¡-Xn-sc i-Ð-ap-bÀ-¯n-bt¸mÄ \n-t£-]w \n-b-amkr-X-am-I-W-sa-¶m-Wv Xm³ D-t±-in-¨-sX-¶m-bn At±lw. ]obp-jv tKm-b-en-sâ hm-¡pI-fp-sS cm-{ão-b, km-¼¯n-I-am-\-§Ä C-t¸mgpw cm-Pym-´-c-am-[y-a-§Ä ]cntim-[n-¨v XoÀ-¶nÃ.

sP^v s_-tkmkv

ssa-¡nÄ tZ-_{_-X ]{X

B-a-tkm¬ ta-[m-hn sP^v s_-tkm-kv C-´y-bn h-cp-t¼mÄ {]-Xn-tj-[n-¡psa-¶v B-Zyw A-dn-bn-¨-Xv tIm¬-s^-U-td-j³ Hm-^v HmÄ C-´y t{S-tU-gv-km-Wv. F¶m C-´y k-µÀ-i-\ th-f-bn sN-dpIn-S C-S¯cw I-¨-h-S-¡m-scbpw tImÀ-¸-td-äp-I-sfbpw ssIbn-se-Sp-¡m³ km-[n-¡p-¶ {]-Jym-]\-§-tfm-sS-bm-Wv sP-^v s_-tkm-kv \n-dªp-\n-¶Xv. 100 tIm-Sn tUm-fÀ \n-t£-]n-¡p-sa-¶ {]-Jym-]-\w C-´y³ sN-dp_n-kn-\-kp-I-fp-sS D-¶-a\w B-a-tkm-Wn-sâ Iq-Sn e-£y-am-sW-¶ [m-c-W ]-S-À-¯m-\pw D-]-I-cn-¨n«p-|v.

BÀ_n-sF-bp-sS ]p-Xn-b, \m-ema-s¯ sU-]yq-«n K-hÀ-W-dm-bn ssa-¡nÄ tZ-_{_-X ]-{X \n-b-an-X-\mbn. hn-cm B-Nm-cy-bp-sS cm-Pn-sb Xp-SÀ-¶v H-gn-ªpIn-S-¶ Øm-\-t¯-¡m-Wv tZ-_-{_-X-bp-sS \n-b-a\w. tam-Wn«-dn t]m-fn-kn h-Ip¸n-sâ F-Iv-kn-Iyp-«o-hv U-b-d-Iv-ä-dm-bn-cp-¶p A-t±lw. BÀ-_n-sF \-S¯n-b Xp-SÀ-¨bm-b \nc-¡v Ip-d-bv¡-en-s\ A-\p-Iq-en-¨n-cp-¶ hy-àn Iq-Sn-bm-Wv. 1985 BÀ-_n-sF-bn I-cn-bÀ B-cw-`n-¨ tZ-_{_-X ]-{X lmÀ-hmÀ-Uv bq-Wn-th-gv-kn-än s^-tem-bmWv.

imen-\n hm-cyÀ s^-U-d _m-¦n-sâ Un-Pn-

ä cwK-s¯ ap-t¶-ä-¯n-\v ]n¶n- kp-{][m-\ ]-¦v h-ln¨psIm-|n-cn-¡p-¶ im-en-\n hm-cyÀ C-\n ]pXnb tdm-fnÂ. _m-¦n-sâ F-Iv-kn-Iyp-«o-hv Ub-d-Iv-ä-dm-bn im-en-\n hm-cyÀ \n-b-an-X-bm-bn. 2015 \-hw-_À ap-X _m-¦n-sâ No^v Hm-¸td-änw-Kv Hm-^o-k-dm-bn tk-h\-a-\p-jvTn-¨p h-cp-¶ im-en-\n hm-cyÀ 2019 ap-X do-sä-bv _m-¦nw-Kv _n-kn\-kv ta-[m-hn Øm-\hpw h-ln-¡p-¶p|v.

H-¶mw- dm-t¦m-sS kn-F ] co-£ ]mkm-b im-en-\n hmcyÀ-¡v _m-¦nw-Kv ta-J-e-bn ImÂ-\q-äm-|n-te-sd-¡me-s¯ A-\p-`-h k-¼-¯p-|v. Ìm³tUÀ-Uv NmÀ-t«À-Uv _m-¦n- hnhn-[ hn-`m-K-§-fn tk-h-\a-\p-jvTn-¨n-«p-|v.

ken-Â ]-tcJv sF-än cw-Kw am-dp-t¼mÄ

B am-ä-¯n-\v H-cp ap-gw apt¼ Hm-Sp-I-bm-Wv C³-t^mkn-kv. C-´y³ sF-än h-¼\m-b C³-t^m-kn-sâ h-fÀ¨m i-X-am-\w ho-|pw C-c«-b-¡-¯n-se-¯n-¨ No-^v F-Iv-kn-Iyp-«o-hv Hm-^o-kÀ k-en ]-tc-Jv, tImÀ-¸-tdäp-I-fp-sS ]p-Xn-b B-h-iy§Ä-¡v A-\p-tbm-Py-am-b tk-h-\-§Ä \Â-In-bm-Wv I-¼-\n-sb Ip-Xn-¸n-sâ ]m-Xbn-eq-sS \-bn-¡p-¶-Xv. I-¼\n-I-sf Un-Pn-ä {Sm³-kvt^mÀ-ta-j-\v k-lm-bn-¡p-¶ Un-Pn-ä _n-kn-\-kp-I-fn \n-¶p-Å h-cp-am-\w k-ao-]`m-hn-bn sam-¯w h-cp-am\-¯n-sâ 50 i-X-am-\w I-hnbp-sa-¶m-Wv k-en ]-tc-Jv \n-co-£n-¡p-¶-Xv.

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

7

News, views & Trends

Zcn{Z IpSpw_§fnÂ

sR«n¸n¡p¶ IS_m[yX tI

c-f-¯n-se {Kmao-W ta-J-ebn-se Z-cn-{Z Ip-Spw--_-§-fn aq¶n-sem¶pw Aan-X I-S-_m[y-X A-\p-`-hn-¡p-¶p-sh-¶v sIm-¨n tI{µ-am-bn {]-hÀ-¯n-¡p-¶ skâÀ t^mÀ tkm-tjym C-¡-tWm-an-Iv B³-Uv F³-h-tbm¬-saâv kv-ä-Uo-kv \-S¯n-b ]T-\w sh-fn-s¸-Sp-¯p¶p.

Hmtcm am-khpw Cu Ip-Spw-_-§Ä hm-bv-]m Xn-cn-¨-S-hn-\m-bn A-h-cp-sS am-k-h-cp-am-\-t¯-¡mÄ Iq-Sp-X Xp-I D-]-tbm-Kn-t¡-|n h-cp-¶psh¶pw ]T-\-¯n sh-fn-s¸-«n-«p-|v. tI-c-f-¯n {]m-_-ey-¯n-ep-Å \m-ev td-j³ ImÀ-Up-I-fn G-ähpw Xm-sg-¡n-S-bn-se Ip-Spw-_-§Ä-¡mbp-Å a-ª, ]n-¦v ImÀUp-IÄ ssIh-i-ap-Å-h-sc-bm-Wv ]T-\-¯n-\m-bn sX-c-sª-Sp-¯-Xv. ]T-\-¯n-se I-s|¯-epIÄ {Kmao-W ta-J-e-bn-se Z-cn-{Z Ip-Spw_-§-fn-se 88 i-X-am\hpw I-S-_m[n-XÀ 49 i-X-am-\w Ip-Spw-_-§fpw Hu-tZymKn-I, A-\u-tZymKn-I t{km-X-kp-Ifn \n-¶v H-cp-an-¨v hmbv-] F-Sp-¯ncn-¡p¶p. {Kmao-W ta-J-e-bn-se {][m-\ hm-bv-]m-t{km-X-kp-IÄ k-lI-c-W Øm-]-\-§fpw Ip-Spw-_-{iobpw ]-¯n B-dv Ip-Spw-_-§-Ä¡pw H-cp kzÀ-W-hm-bv-]-sb-¦n-ep-ap-|v. hm-bv-]m Xp-I {]-[m-\-ambpw hn\ntbm-Kn-¡p¶-Xv ho-Sv ]-Wn/ ho-Sv \-ho-I-cWw, B-tcm-Kym-h-iy§Ä, a-äv I-S-§Ä ho-«Â Xp-S-§n-b-hbv¡v. Irjn, hy-h-km-bw XpS-§n DÂ-¸m-Z-\-£-aam-b B-h-iy-§Ä-¡mbn hm-bv-]m Xp-I sN-e-h-gn-¡p-¶ Ip-Spw-_-§-fp-sS F-®w Xp-temw Xp-Ñw. h-en-b hn-`m-Kw kv-{Xo-IÄ¡pw IpSpw-_{io F¶-Xv hmbv-] In-«m-\p-Å H-cp t{km-Xtkm kÀ-¡mÀ B-\p-Iqey-§Ä e-`n-¡m-\p-Å H-cp amÀ-Ktam am-{X-am-Wv. kÀ-th \-S¯n-b Ip-Spw-_-§-fn Ip-Spw-_{io Aw-K-§-fm-bn-«p-Å kv-{Xo-I-fn 12 i-X-am-\w am-{X-ta X-§-fp-sS Ip-Spw-_{io A-bÂ-¡q-«w D¸m-Z-\-£-aam-b F-s´-¦nepw {]-hÀ-¯-\-§-fn GÀ-s¸-Sp-¶p-Åqsh-¶v sh-fn-s¸-Sp-¯p-¶pÅq. dn-kÀ-hv _m-¦n-sâ \n-b-{´-W-§Ä ]m-en-¡m-sXbpw c-Pn-kv-t{S-j³ CÃm-sXbpw {]-hÀ-¯n-¡p¶ kz-Imcy ssa-t{Im-^n-\m³-kv I-¼-\nIÄ tI-c-f-¯n-ep|v. km-¼-¯n-I-am-bn ]n-t¶m-¡w \n¡p-¶ Ip-Spw-_-§-fn kv-{Xo-I-fp-sS t]-cn ]p-cp-j-·m-cp-sS t]-cn-ep-ÅXn-t\-¡mÄ 2.5 Cc-«n hm-bv-]IÄ. hm-bv-]m Xp-I F§-s\ hn\n-tbmKn-¡-W-sa-¶v Xo-cp-am-\n-¡p-¶-Xn kv-{Xo-IÄ-¡pÅ-Xv Ip-d-ª A-[nIm-cw am-{Xw.

8

s^{_phcn 15, 2020

{Kmao-W ta-J-e-bn km-¼-¯n-Iam-bn ]n-¶m-¡w \nÂ-¡p-¶-h-cp-sS Pohn-X-¯n k-lI-c-W Øm-]-\-§Ä h-ln-¡p-¶ ]-¦v I-W-¡n-se-Sp-¯v _m-¦nw-Kv ta-J-e-bn am{Xw H-Xp-§msX Ah-sb {]m-tZin-I k¼-Zv L-S-\ hn-I-kn-¸n-¡m-\p-Å C-S-s]-S-ep-IÄ \-S-¯m-\m-bn t{]m-Õm-ln-¸n-¡-W-sa¶v tUm. cm-Jn Xn-tam¯n, A-iz-Xn dn-t_-¡ A-timIv, kzm-Xn tam-l\³, _n-_n³ X¼n, dw-jm-Zv Fw F-¶n-hÀ Aw-K-§-fp-Å ]T-\ k-an-Xn hn-e-bn-cp¯p¶p.

BatkmWpw PntbmImÀ«pw AÛpX§Ä krãn¡ptam?

C

-´y-bn-se sN-dp-In-S C-S-¯-cw _n-kn-\-kp-IÄ H-tck-a-bw {]-Xo-£-tbm-sS-bpw B-i-¦-tbmsS-bpw t\m-¡n-¡m-Wp-¶ am-ä-§Ä¡m-Wv do-sä-bvÂ, C sIm-ta-gv-kv cw-Kw km-£yw h-ln-¡p-¶-Xv. C-´y k-µÀ-in-¨ B-a-tkm¬ ta-[m-hn sP-^v s_-tkm-kv A-©p- hÀ-j¯n-\p-Ån 10 e-£w sXm-gn-ep-IÄ -Ba-tkm¬ C-´y-bn kr-ãn-¡psa-¶m-Wv {]-Jym-]n-¨n-cn-¡p-¶-Xv. C-´y-bn-se sN-dp-In-S, C-S-¯-cw _n-kn-\-kp-I-sf im-ào-I-cn-¨v A-h-cp-sS DÂ-¸-¶-§Ä Hm¬-sse³ ¹m-äv-t^m-ap-I-fn-se-¯n-¨v h-nÂ-¸-\ \-S-¯m-\m-bn 100 tIm-Sn tUm-fÀ \n-t£-]n-¡p-sa-¶pw s_-tkm-kv hy-à-am-¡n-bn-«p-|v.

F-´p-X-s¶-bm-bm-epw C-´y-bnse sN-dp-In-S, C-S-¯-cw _n-kn-\-kpI-fn-te-¡v cm-Py-¯n-\-I-¯pw ]p-d-¯p-ap-Å C sIm-ta-gv-kv h-¼•mÀ h-en-b ]-²-Xn-I-tfm-sS-bm-Wv C-d-§n-s¨-Ãm³ t]m-Ip-¶-Xv. sP-^v s_-tkm-kv C-´y-bn h-cpw ap-t¼ dn-e-b³-kv ta-[m-hn ap-tI-jv Aw_m-\n Pn-tbm-amÀ-«n-eq-sS sN-dp-In-S, C-S-¯-cw I-¨-h-S-¡m-sc-bpw C sImta-gv-kv ¹m-äv-t^m-an-s\-bpw _-Ôn-¸n¡p-¶ a-säm-cp sa-Km-]-²-Xn-¡pw XpS-¡-an-«n-«p-|v. ^yq-¨À {Kq-¸v ta-[m-hn In-tjmÀ _n-bm-\n, C sIm-ta-gv-kv ¹m-äv-t^m-ap-I-fpw ^n-kn-¡Â do-säbv kv-täm-dp-I-fpw X-½n \n-e-hn {]-I-S-am-b hy-Xym-k-ap-s|-¦n-epw G-Xm-\pw hÀ-j-§Ä-¡p-Ån Cu

kvamÀ«v t^m¬, Hmt«msam_oÂ

C´ybn ssN\okv A[n\nthiw!

A-ta-cn-¡³ h-¼-·mcm-b B-a-tkm-Wpw t^-kv-_p¡pw hm-Sv-km-¸psaÃmw C-´y-bn {]-Xn-tj-[-¯n-sâ Nq-S-dn-bp-t¼mÄ ssN-\o-kv I-¼-\n-IÄ FÃm cw-K¯pw i-à-am-bn ]n-Sn-ap-dp-¡p-¶p

C ´y-bnse sF.än, sSIv-t\m-fPn, A-\p-_-Ô- ta-J-e-I-fn ssN-\ B-g¯n th-cp-d-¸n-¡p-I-bmWv. kv-amÀ-«v t^m¬ apX Hm-t«m-sam-_oÂ/ C-e{În-¡Â sh-ln-¡vÄ, Un-Pn-ä t]-bvsaâv, I¬-kyq-aÀ Ce-t{Îm-Wn-Ivkv, tkm-jy aoUn-b h-sc ssN-\o-kv I-¼-\n-IÄ ]n-Sn-ap-dp-¡n I-gn-ªp.

A-ta-cn-¡³ `o-a-·mcm-b B-a-tkmWpw t^-kv-_p-¡v þ hm-Sv-km-¸n\p saÃmw cm-{ão-b-X-e-¯n \n-¶v F-XnÀ-¸v t\-cn-Sp-t¼m-gm-Wv ssN-\okv I-¼-\n-I-Ä C-´y-bn ]-S-tbm-«w \-S-¯p-¶-Xv. temI-¯v A-Xn-th-Kw Ip-Xn-¡p-¶ k¼-Zvhy-h-Ø-bm-Wv ssN-\-bp-tSXv. \n-e-hn 14.14 {Sn-ey¬ tUm-fÀ C-t¡m-W-anbmb ssN-\ 2024 20 {Sn-ey¬ tUm-fÀ C-t¡m-W-an-sb-¶ e-£y-¯n-te-¡m-Wv ap-t¶-dp-¶-Xv. ssN-\o-kv I-¼-\nI-sf kw-_-Ôn-

[\w hyh-kmb hmWnPy ssZzhm-cnI

¨n-S-t¯m-fw C-´y kp-{]-[m\-hn]-Wn X-s¶-bmWv. C-´y-bn-se kv-amÀ-«v t^m¬ hn-]-Wn-sbSp-¯m A-Xn-sâ 72 i-X-am-\hpw ssN-\okv I-¼-\n-I-fp-sS ssIbn-emWv. H-cp- hÀ-jw ap-¼v C-Xv 60 i-X-am-\-ambn-cp-¶p. kv-am-À«v-t^m¬, A-\p-_-Ô km-a-{Kn-I-fp-sS \nÀ-am-W-¯n-\pw h³-tXmXn ssN-\o-kv I-¼-\n-IÄ C-´y-bn \n-t£-]w \-S-¯nbn-«p|v. j-thm-an-¡v C-´y-bn G-gv kv-amÀ«v-t^m¬ \nÀam-W ¹mâpI-fp|v. hn-thm 7500 tIm-Sn cq-] \nt£-]n-¡m³ XmÂ-¸cyw {]-I-Sn-¸n-¨n«p|v. Sn-kn-F Xn-cp-¸-Xn-bn 2200 tIm-Sn \n-t£-]n-¡p-¶p|v. C-´y³ amÀ-¡-än-s\ A-dn-ªv \nc-´-c DÂ-

c-|p -t^mÀ-am-äp-I-fpw k-a-\z-bn-¨v ^-e-{]-Z-am-b ssl-{_n-Uv tam-U kr-ãn-¡-s¸-Sp-sa-¶ hn-izm-kw {]-I-Sn-¸n-¨n-«p-|v. A-Xn-\p-Å ]-²-Xnbpw _n-bm-\n hn-`m-h-\w sN-bv-Xn«p-ap-|v. hmÄ-amÀ-«n-sâ `m-K-am-b ^vfn]vImÀ-«pw k-am-\-am-b _n-kn-\kv ssi-en-IÄ X-s¶ k-ao-]-`m-hnbn kzo-I-cn-t¨-¡mw.

C-Xv sN-dp-In-S, C-S-¯-cw _n-kn\-kp-IÄ-¡v H-tck-a-bw km-[y-Xbpw sh-Ãp-hn-fn-bpw X-s¶-bm-Ipw. C sIm-ta-gv-kv h-¼-•mÀ B-Zyw C-¯cw _n-kn-\-kp-I-sf B-IÀ-jn-¡m³ ]-äp-¶ tam-U-ep-IÄ A-h-X-cn-¸n-¡psa-¦n-epw ]n-¶o-Sv A-hÀ-¡v em-`I-c-am-Ip-¶ co-Xn-bn C-h am-äpw.

Du-_À, Hm-tbm, ^p-Uv sU-en-h-dn B-¸p-IÄ Xp-S-§n-b-hbpsS Im-cy¯n C-Xv I-|-Xp-am-Wv. C-´y t]m-ep-Å cm-Py-¯v do-sä-bv cwK-¯v F-Ãm t^mÀ-am-äp-IÄ-¡pw km-[y-X-bp-|v. C sIm-ta-gv-kv þ ^n-kn-¡Â do-sä-bv cw-K-s¯ ]-¦m-fn-¯w C-cp-Iq-«À-¡pw hn-P-bI-c-am-Ip-¶ hn-[-¯n D-cp-¯n-cnªp-h-tc-|n-bn-cn-¡p-¶p. do-sä-bv tÌm-dp-I-sf hn-gp-§p-¶ hn-[-¯n hn-e-bp-²-¯n-\v C sIm-ta-gv-kp-IÄ t]m-bm C-Xv km-[y-am-In-Ã.

F-´m-bm-epw C-´y³ do-sä-bv cw-Kw h-en-sbm-cp am-ä-¯n-\m-Ipw G-Xm-\pw hÀ-j-§Ä-¡p-Ån km£yw h-ln-¡p-I. A-Xn-\p-Å kq-N\-bm-Wv B-a-tkm-Wpw Pn-tbm-amÀ«pw C-t¸mÄ \ÂIp-¶Xv.

¸-¶ \-ho-Ic - W - t- ¯m-sS ssN-\o-kv kva - m-À«- v t^m¬ I-¼\ - n-IÄ hn]-Wn hm-gp-t¼mÄ C-´y³ {_m³-Up-IÄ-¡v A-Xn-ià - am-sbm-cp Xn-cn-¨p-hc-hv kao-]` - m-hn-bn D-|mIptam F-¶X - n hn-ZK - v[ - À kwi-bw {]-IS- n-¸n-¡p-¶p-|v.

C\n Hm-t«m-sam-_o cw-Kt- ¯-¡v t\m-¡mw. ImÀ \nÀ-am-Xm-¡f - pw hm-l\-hn-]W - n-bn-se h-¼· - m-cpw I-cp-¯v sX-fn-bn-¡m³ h-cp-¶ Hmt«m F-Ivkvt- ]m 2020 20 i-Xa - m-\w kvt- ]kpw dn-kÀ-hv sN-bvXX - v ap³-\nc ssN-\o-kv I-¼\ - n-If - mWv. C-´y³ Hm-t«m-sam-_o cw-Kw A-t§-bä - w tam-iw A-hØ-bn-eq-sS I-S¶p-t]m I - p-t¼m-gm-Wn-sX¶v HmÀ¡Ww. ssN-\o-kv I-¼\ - n bmb SAIC sâ (Fw-Pn tamt«m-gvk - n-sâ D-Sa - ØÀ) sl-Ivä - À an-I¨ - hnÂ-¸\ - b - m-Wv C-´ybn t\-Sp-¶Xv. C-e{- În-Iv hm-l\ cw-K¯pw ssN-\o-kv I-¼\ - n-If - p-sS DÂ-¸¶ - § - Ä-¡v an-I¨ - _p-¡nw-Kp|v. cmPyw C-e{- În-Iv sh-ln-¡n-fpI-sf Iq-Sp-Xe - m-bn B-{i-bn-¡m³ Xp-S§ - pt¼mÄ XoÀ-¨b - mbpw A-Xv ssN-\o-kv I-¼\ - n-IÄ-¡v X-s¶-bm-Ipw Kp-Wa - mhpI.

Châvkv EVENTS

[\w _m¦nwKv, ^n-\m³-jy kÀ-hok-kv B³Uv C³jpd³kv kanäv & AhmÀUv ss\äv 2020

ta-J-e-bn-se hn-P-b-I-Y-IÄ F-¶n-hsbÃmw k-an-äv th-Zn-bn NÀ-¨ sN-¿pw.

B-scm-s¡ ]-s¦-Sp-¡-Ww

amä§Ä Adnbmw, shÃphnfnIsf adnIS¶v apt¶dmw cm-Py-s¯ [-\-Imcy, km-¼-¯n-I, \nt£-] ta-J-e-IÄ ap³-s]-§p-anÃm-¯ hn-[-apÅ shÃp-hn-fnI-sf A-`n-ap-Jo-I-cn-¡p-t¼mÄ Cu cwK-s¯ kw-cw-`-Icpw s{]m-^-jW-ep-Ifpw \n-t£-]-Icpw kzo-I-cn-t¡-| X-{´-§-f-dn-bm³ H-cp Zn-\w [\w \yqkv _yqtdm

""C

-´y³ _m-¦nwKv, ^n-\m³-kv

cwK-s¯ A-km-[m-c-Wam-b hÀjw.'' 2019s\ C§-s\-bm-Ipw `q-cn-`m-Kw _m-¦nwKv, ^n-\m³-kv hn-Z-Kv-[cpw hn-tijn-¸n-¡p-I. A-{X-tb-sd Im-cy-§-fm-Wv I-gn-ª hÀ-j-hpw A-Xn-\p-ap-¼p-Å G-Xm\pw hÀ-j-§-fp-am-bn A-c-t§-dp¶Xv. hcpw \m-fp-I-fn Cu am-ä-¯nsâ th-K-ta-dpw. kz-`m-h-hpw. A-t¸mÄ F-§-s\-bm-Wv A-Xn-s\ \mw am-t\-Pv sN-¿p-I? F-§-s\-bm-Wv shÃp-hn-fnIsf a-dn-IS-¶v h-fÀ-¨ t\-Sm-\m-hpI? k-hn-ti-jam-b km-l-N-cy-¯n C¯-cw tNm-Zy-§Ä-¡v D-¯-cw e-fn-Xam-bn \Â-Im-\m-InÃ. hnhn-[ cw-K-§-fnep-Å-hÀ X-§-fp-sS hÀ-j-§-fp-sS A\p-`-h k-¼¯pw \n-co-£-W ]m-S-hhpw sIm-|v {]-I-Sn-¸n-¡p-¶ hy-Xy-kv-Xam-b B-i-b-§-fn \n-¶mImw C-Xn-s\Ãmw D-¯-c-§Ä e-`n-¡p-I. A-Xn-\p-Å th-Zn sIm-¨n-bn H-cn-¡Â Iq-Sn H-cp-§p-IbmWv; [\w _m¦nwKv, ^n-\m³-jy kÀ-hok-kv B³Uv C³jpd³kv kanäv & AhmÀUv ss\äv 2020eqsS. s^-{_p-hc - n 27\v sIm-¨n-bn tlm«Â se sa-dn-Un-b\ - n \-S¡ - p-¶ k-an-äv cm-Py-s¯ km-¼¯ - n-I, \nt£-] km-lN - c - y§-sf Ip-dn-¨v ]pXn-b DÄ¡mgvN - ]-Icpwhn-[a - m-Wv A-Wn-bn-s¨mcp-¡n-bn-cn-¡p-¶X - v. I-Sp-¯ shÃp-hn-fnIÄ-¡n-Sb - nepw Xn-f¡ - a - mÀ-¶ t\-«§ - Ä sImbvX - _m-¦nwKv, ^n-\m³-kv cwK-s¯ {]-Xn-`I - Ä-¡pw I-¼\ - n-IÄ¡pw ssh-Io-«v \-S¡ - p-¶ A-hmÀ-Uv ss\-än sh-¨v ]p-ck - vI - m-c§ - Ä hn-Xc-Ww sN-¿pw.

]n-´p-W-tb-In E&Y {]ap-J I¬-kÄ-«nw-Kv Øm-]-\-§fnsem¶m-b G-¬-Ìv B³-Uv bw-Km-Wv k-an-änsâ t\mf-Pv ]mÀ-SvWÀ. [-\-Imcy, _m-¦nw-Kv, am-t\-Pv-saâv cwK-s¯ {]-apJÀ DÄ-s¸-Sp-¶ kzX-{´ Pq-dn-bm-Wv A-hmÀ-Uv tP-Xm-¡-sf sX-c-sª-Sp-¡p¶Xv. s^-{_ph-cn a-[y-t¯m-sS A-hmÀUp-IÄ {]-Jym-]n-¡pw.

F-´n-\v ]-s¦-Sp-¡-Ww? tZ-io-b, cm-Pym-´-c-X-e-¯n-se ^n-\m³-kv ta-J-e-bn-se G-ähpw ]pXnb A-dn-hp-IÄ t\-Sm³ k-lm-bn-¡p-¶ k-an-äv ^n-\m³-kv cwKs¯ cm-Py-sa-¼mSp-ap-Å an-I-¨ hy-àn-Xz§-sf ]-cn-N-bs¸-Sm\pw A-Sp-¯-dn-bm\pw km-[n-¡p-¶

{]KÛcmb {]`mjIÀ cm

-Py-s¯ ^n-\m³kv, C³ -sh-Ìv-saâv ta-J-e-I-fn-se am-ä§sf \-bn-¡p-¶-hcpw \q-X-\am-b B-i-b-§Ä sIm|v Cu cwK-¯v Ne-\w kr-ãn-¡p-¶-h-cpam-b 20 te-sd {]-`m-j-I-cmWv cm-hn-se H³]-Xv ap-X cm{Xn ]-¯p h-sc \o-fp-¶ k-an-änepw A-hmÀUv Zm-\ N-S-§nepw ]-s¦-Sp-¡p¶Xv. kn³-Un-t¡-äv _m-¦v am-t\Pnw-Kv U-b-d-Iv-ädpw No-^v F-Iv-kn-Iyp-«ohv Hm-^o-k-dpam-b ar-XyÚ-bv a-lm-]{X, FÂ-sFkn am-t\-Pnw-Kv U-b-d-Iv-äÀ Sn.kn kp-ioÂ-Ip-amÀ, s^-U-d _m¦vv am-t\-Pnw-Kv U-b-d-Iv-ä-dpw No-^v F-Iv-kn-Iyq«n-hv Hm-^o-k-dp-am-b iymw {io-\n-hmk³, a-W-¸p-dw ^n-\m³-kv en-anä-Uv am-t\-Pnw-Kv U-b-d-Iv-ädpw No-^v F-Iv-kn-Iyp«ohv Hm-^o-k-dpam-b hn.]n \-µ-IpamÀ, \-_mÀ-Uv No-^v P-\-d am-t\-PÀ BÀ. {io-\n-hmk³, Ckm-^v kv-tamÄ ^n-\m³-kv _m-¦v sN-bÀ-am³ ]n.BÀ c-hn taml³, ¢-_v an-ey-W-bÀ ^n-\m³-jy kÀ-ho-k-kn-sâ sN-bÀ-am\pw amt\-Pnw-Kv U-b-d-Iv-ä-dpam-b ]-tc-jv Pn kw-Lm\n, sImÂ-¡-¯-bnse Adamas kÀ-h-I-emim-e s{]m ssh-kv Nm³-k-eÀ D-Öz sI Nu-[cn, tIm-«-Iv a-lo-{µ Ak-äv am-t\-Pv-saâv I¼-\n en-an-ä-Uv No-^v C³-sh-Ìv-saâv Hm-^okÀ (sUäv) & sl-Uv t{]m-U-Iv-äv-kv e-£v-an A-¿À Xp-S-§n-b-h-scÃmw k-an-än {]-`m-j-I-cm-sb-¯p-w. bq-Wn-b³ _m-¦v am-t\-Pnw-Kv U-b-d-Iv-ädpw kn-C-H-bpam-b cm-Pv In-c¬ dmbv, \yq C-´y A-jz-d³kv kn-Fw-Un A-Xp k-lm-bv ku-¯v C-´y³ _m-¦v am-t\-PnwKv U-b-d-Iv-ädpw kn-C-H-bpam-b hn Pn amXyp, F-kv-_n-sF No-^v P-\-d am-t\-PÀ Fw F Zmkv, ep-ep ^n-\m³-jy {Kq-¸v Fw-Un A-Zo-_v A-l½Zv Xp-S§n-b \nch-[n t]À {]-`m-j-I-cm-sb-¯psa-¶v {]-Xo-£n-¡p¶p.

hn-[-¯n-em-Wv cq-]-IÂ-¸-\ sN-bv-Xn-cn-¡p¶-Xv. ^n-\m³-jy- cwK-s¯ ]pXn-b {]-hW-X-Ifpw Un-kv-d-]v-j-\p-I-fpw, Un-Pn-ä Un-kv-d-]-j-\p-I-fn \n-¶v F§-s\ ]pXnb A-h-k-c-§Ä I-s|-¯mw, hnhn-[ ta-J-e-I-fn-se \nt£-] km-[y-X-IÄ, ^n-\m³-kv þ C³-sh-Ìv-saâv cwK-s¯ ]pXn-b N-«-§fpw \-b-§-fpw, [-\-Im-cy

_m-¦pIÄ, _m-¦nw-Kv C-X-c [-\-Imcy Øm-]-\-§Ä, kv-täm-¡v t{_m-¡nw-Kv I-¼-\nIÄ, C³-jp-d³-kv I-¼-\n IÄ, tIm Hm-¸-td-äo-hv _m-¦pIÄ, Nn-«n I-¼-\nIÄ, C³-sh-Ìv-saâv _m-¦pIÄ, C³-sh-Ìv-saâv I¬-kÄ«âp-amÀ, C-¡-tWm-an-kv-äp-IÄ, A-¡m-Zan-Iv cwK-s¯ {]-ap-JÀ XpS-§n ^n-\m³kv, C³-sh-Ìv-saâv ta-J-e-bnse FÃm X-e-§-fp-Å-hÀ-¡pw A\ptbm-Pyam-b hn-[-¯n-em-Wv k-an-äv Un-ssk³ sN-bv-Xn-cn-¡p-¶Xv.

F§-s\ ]-s¦-Sp-¡mw? k-an-änepw A-hmÀ-UvZm-\ N-S-§fnepw ]-s¦-Sp-¡m-\p-Å sU-en-tK-äv ^o-kv 18 i-X-am-\w Pn-F-kv-Sn DÄ-¸sS 6,490 cq-]-bmWv. F-¶m P-\p-h-cn 31 \p-Ån ko-äv _p-¡v sN-¿p-¶-hÀ \nIp-Xn DÄ-¸-sS 5310 cq-] \Â-In-bm aXn. k-an-äv th-Zn-bn t\-cn-s«-¯n ko-äv c-Pn-ÌÀ sN-¿p-¶-hÀ \n-Ip-Xn-b-S-¡w 7080 cq-] \Â-tI-|n h-cpw. hn-ZymÀ-°nIÄ¡pw ^m-¡Â-än-IÄ-¡pw ^o-kn-fhp|v. C-hÀ \n-Ip-Xn-b-S-¡w 2360 cq-] \Â-In-bm a-Xn. Iq-Sp-X- hn-h-c-§-Ä¡v: tam-l-\-Ip-amÀ: 90614 80718, hnP-bv Ip-cy³ G-{_-lmw: 80865 82510, {]-ho¬ ]n \m-bÀ: 90725 70062

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

9

A`n-apJw INTERVIEW

"UnPnä Id³kn, \qX\ D¸¶t{iWn...

_m¦nwKv taJebn hcpw, h³ amä§Ä' [\w \yqkv _yqtdm

_m

-¦nw-Kv ta-J-e-bn- h-cm-\n-S-bp-Å Im-cy§-sf Ip-dn-¨v s^-U-d _m-¦v am-t\-Pnw-Kv U-b-d-Iv-ädpw No-^v F-Iv-kn-Iyq«nhv Hm-^o-k-dpamb iymw {io-\n-hm-k³ \-S-¯p-¶ \n-co-£-W-§Ä-¡v F¶pw H-cp {]h-N-\ kz-`mh-ap|v. s^-U-d _m-¦n-sâ km-c-Yy-¯n-te-¡v A-t±lw I-S¶ - p-h¶ - \m-fp-If - n [-\w _n-kn\kv am-K-kn-\n 2020 _m-¦nw-Kv cwK-¯v h-cm-\n-Sbp-Å am-ä§-sf Ip-dn-¨v \-S¯n-b \n-co-£-W-§sfÃmw C-¶v Ir-Xy-am-bn kw-`-hn-¨n-cn-¡p-¶p.

2010 sk-]v-äw-_-À 23\mWv iymw {io-\n-hm-k³ s^-U-d _m-¦n-sâ km-c-Yy-¯n-te-¡v F-¯nbXv. C-´y³ _m-¦nw-Kv cw-K-s¯ H-¶n-\p ]nd-tI a-säm-¶m-bn {]-Xn-k-Ôn-IÄ _m-[n-¨ Zi-Iw Iq-Sn-bm-bn-cp-¶p CXv. F-¶m C-¡m-e-¯n-\n-sS kp-Øn-cam-b h-fÀ-¨m-]m-X-bn-eq-sS-bm-Wv s^-Ud _m-¦v k-©-cn-¨Xv. C-Xn-\v Imc-Ww `m-hnbn-se km-[y-X-Ifpw shÃp-hn-fn-Ifpw ap³-Iq-«n I-|v \-S¯n-b {]-hÀ-¯-\-§-fm-Wv. A-Sp-¯nsS t^m_v-kv G-jy-bp-sS "200 s_-Ìv Hm-hÀ F _n-ey¬' I-¼-\n-I-fp-sS ]-«n-I-bn C-Sw t\-Snb c-|v C-´y³ _m-¦p-I-fn H-¶v s^-U-d _m-¦m-bn-cp-¶p.

C-´y³ k¼-Zvhy-h-Ø-bpw _m-¦nw-Kv cw-Khpw Un-Pn-ssä-tkj-\v A-Xn-th-Kw km£yw h-ln-¡p-t¼mÄ am-ä-§Ä-¡p ap-t¼ \-S-¡p-I-bmWv s^-U-d _m-¦v. _m-¦n-sâ Un-Pn-ä bm{X-bn hn-¹-h-I-cam-b am-ä-§Ä-¡m-Wv iymw {io-\n-hm-k³ Xp-S-¡-an-«-Xv. H-cp Z-im-Ð-¯n-\nsS _m-¦nw-Kv cwK-¯v K-Wyamb tXm-Xn hn]-Wn hn-ln-Xw D-bÀ¯n-b s^-U-d _m-¦v t\m¬ sd-knUâv C-´y³ sk-Kvsaân cm-Py-s¯ ap³-\n-c-¡mcmWv. tem-I-¯n-sâ hn-hn-[ `m-K-§-fn \n-¶v C-´y-bn-te-¡v h-cp¶ sam¯w Hm-hÀ-ko-kv sd-an-ä³-kn-sâ 15 i-X-am-\w s^-U-d _m-¦n-eqsS-bm-Wv. sSIv-t\mf-Pn cwK-s¯ kq-£v-a-am-bn \n-co-£n-¡p-¶ _m-¦nw-Kv hn-Z-Kv-[\m-b iymw {io-\n-hmk³, C-´y³ k¼-Zvhy-h-Ø-bnepw _m-¦nw-Kv ta-J-e-bnepw h-cm-\n-S-bp-Å Im-cy§-sf Ip-dn-¨v kw-km-cn-¡p¶p

10

s^{_phcn 15, 2020

[\w hyh-kmb hmWnPy ssZzhm-cnI

iymw {io-\n-hm-k³

I-gn-ª H³]-Xv hÀ-j-¡me-s¯ {]-hÀ-¯-\§-fn-te-¡v Xn-cnªp- t\m-¡p-t¼mÄ Xm-¦Ä¡v F-´v tXm-¶p¶p?

A-t§-b-äw shÃp-hn-fn-IÄ \n-d-ª H-cp Z-i-I-am-bncp-¶p CXv. H-¶n-\p ]nd-tI a-säm-¶m-bn shÃp-hn-fnIÄ h¶p-sIm-t|-bn-cn-¡p¶p. s^-U-d _m-¦n-s\ cm-Pys¯ Most Admired Bank B¡p-I F-¶-Xm-bn-cp¶p hnj³. \-ap-¡v F´pw hne sIm-Sp-¯v hm-§mw, B-Zc-hv H-gn-sI. _m-¦n-s\ h-fÀ-¯m\pw hn-P-b-]m-X -bn-eq-sS \-bn-¡m\pw H-«-\h-[n Im-cy-§Ä sN-bvXp. C-\n-bp-ta-sd sN-¿m-\p-ap-|v. _m-¦n-sâ hn]-Wn hn-ln-Xw h-À-[n¨p. F³]nF \n-b-{´-W-¯n-em-Wv. _m-¦v kp-Øn-c h-f-À-¨m ]m-X-bn-em-Wv. A-t§ b-äw bm-Ym-ØnXn-I h-fÀ-¨m \n-c-¡m-sW-¦n t]mepw A-Sp-¯ \m-ev hÀ-j¯n\p-Ån s^-U-d _m-¦v C-t¸m-gp-Å-Xn-sâ C-c-«n-bm-bn h-f-cpw. hn]-Wn A-t§b-äw a-Õ-cm-[n-jvTn-X-amWv. F-¦nepw h-fÀ-¨ km-[y-am-¡m-\m-Ipw. _m-¦nw-Kv cwK-¯v a-Õ-c-ta-sd-bm-Wv. Un-kv-d-]v j\p-I-fpw. C-´y³ _m-¦p-I-fp-sS h-fÀ-¨-sb Xz-cnX-s¸-Sp-¯p-¶ L-S-I-§-sf-s´m-s¡-bm-Ipw? cm-Py-s¯ _m-¦p-I-Ä sam-¯w hn-Xc-Ww sN-bv-Xn-cn¡p-¶ hmbv-] G-Xm-|v 100 e-£w tIm-Sn cq-]-tbmfw h-cpw. C-Xn-sâ 20 i-X-am-\w, 20þ22 e-£w tIm-Sn cq-]-bm-Wv Fw-F-kvFw-C hm-bv-]IÄ. cmPyw A-©v {Sn-ey¬ C-t¡m-W-an-bn-te-¡p-Å ]m-X-bn-emWv. Cu e£yw t\-Sm³ H-cp]-t£ G-gv hÀ-j-sa-Sp-t¯-¡mw. ]-t£ A-©v {Sn-ey¬ C-t¡m-Wn-bm-Ip-t¼mÄ FwF-kv-Fw-C-bn-se 20 e-£w tIm-Sn hmbv-] F-¶-Xv 40 e-£w tIm-Sn-bn-se-¯pw. Fw-F-kvFw-C hm-bv-]m hn-X-c-W-¯n-se 20 e-£w tIm-Sn F-¶ kw-Jy-bn-se¯m³ C-´y 70 hÀ-j-sa-Sp-¯p. F-¶m h-cp¶ 5 þ 7 hÀ-j-¯n-\p-Ån C-{Xbpw X-s¶ \mw h-f-cpw. Cu h-fÀ-¨-bp-sS c-|v i-X-am-\-sa-¦nepw ]-¦p-]-äm³ km-[n-¨m s^-U-d _m-¦n\pw Ip-Xn¡mw. h-fÀ-¨-bp-sS `m-K-am-Im³ \mw H-cp-§n-bn-cn-t¡|-Xp|v. an-I-¨ sSIv-t\mf-Pn thWw. Ip-ä-a-ä t{]m-k-km-bn-cn-¡-Ww. i-àhpw k-´p-en-X-hpam-b {_m-©v irw-J-e th-Ww. ]t£, C-´y-³ km-¼¯n-I cw-Kw k-¦oÀ-Wam-b L-«-¯n-eq-sS-bm-WtÃm C-t¸mÄ t]m-Ip-¶Xv. `m-hn h-fÀ-¨ F-§-s\-bm-bn-cn-¡pw?

C-´y-bp-sS h-fÀ-¨m \n-c-¡n Ip-d-hp|v. i-cn-bmWv. ]-t£ H-cn-¡epw A-Xv ko-tdm-bm-InÃ. A-§s\sbm-cp km-l-Ncyw Rm³ `m-h-\-bn t]mepw ImWp-¶nÃ. ]-t£, cm-Pyw hn-`mh-\w sN-bv-Xn-cn-¡p¶Xp t]m-se A-©v {Sn-ey¬ C-t¡m-W-an-bn-te-¡v \mw F-¯pw. Nn-e-t¸mÄ A-Xn-\m-bn C-t¸mÄ I-W¡m-¡p-¶-Xn-t\-¡mÄ Ip-d-¨p-Iq-Sn hÀ-j-§Ä F-Spt¯-¡pw. \n-e-hn C´y 2.72 {Sn-ey¬ C-t¡m-W-an-bmWv. C-Xv A-©v {Sn-ey-Wn-te-¡v h-f-cm³ A-SnØm-\ kuI-cy hnI-k-\ cwK-¯v _rl-Zv ]-²-Xn-IÄ

Poh\¡msc tdmt_m«v Isï¯pw!

DÂ-¸-¶-§-fp-sSbpw tk-h-\-§-fp-sSbpw cw-K-

¯p-am-{X-aà dn-{Iq-«v-saân\pw B-À-«n-^n-jy- Câ-en-P³kpw tdm-t_m-«n-I-vkpw s^-U-d _m-¦v D-]-tbm-Kn-¡p¶p. cm-Py-¯v X-s¶ C¯cw \q-X-\ km-t¦Xn-I hn-Zy-IÄ dn-{Iq-«v-saân-\v D-]-tbm-Kn-¡p-¶ B-Zy-s¯ _m-¦m-Wv s^-Ud _m¦v. s^-Uv dn-{Iq-«v F-¶ Cu lyq-adn-tkm-gv-kv SqÄ s^-U-d _m-¦n-se X-s¶ hn-ZKv-[-cm-Wv hn-I-kn-¸n-s¨-Sp-¯n-cn-¡p-¶Xv. D-tZym-KmÀ-°n-I-fp-sS hy-àn-Xz k-hn-ti-j-X-I fpw A-dnhpw I-gnhpw tdm-t_m-«n-Iv A-`n-ap-J-§fn-eq-sS-bmIpw A-f-¡p-I. A-h-km-\-L-«-¯n am-{X-am-Wv F-¨v BÀ D-tZym-K-Ø-cp-sS C-S-s]S B-h-iy-apÅq. sX-c-sª-Sp-¡-s¸-Sp-¶ D-tZym-KmÀ-°n-I-fp-sS c-£n-Xm-¡Ä-¡v F-kv FwF-kv A-b-¡p-¶Xpt]mepw kn-kv-ä-¯n-sâ `m-K-amWv.

h-cWw. h³InS t]mÀ-«pIÄ, tdmUpIÄ, F-b-À-t]mÀ-«p-IÄ F-¶n§-s\ H-«-\h-[n sa-Km ]-²-Xn-IÄ -ASp-¯ h-c-Ww. ]¯v ]-{´-|v hÀ-j-§ÄGX m\pw hÀ-j-§Ä¡p ap¼v ssN-\ F-´m-bn-cpt¶m ¡p-Ån _m-¦p-IA-tX X-e-¯n-te-¡v 2024 C-´y F-¯p-sa-¶m-Wv ]-d-bp-¶Xv. ssNfp-sS sam-¯w h-cp\ F-§-s\-bm-Wv h-f-À-¶Xv? A-Xnam-\-¯n-sâ 30þ40 _rl-Zv ]-²-Xn-I-fn-eq-sS-bmWv. i-X-am-\w C-t¸mÄ A-tX Im-cy-§Ä C-´y-bnepw h-cpw.

A-Xn-\p-Å ]-Ww F-hn-sS \n-¶mCÃm-¯, ]p-Xp-Xm-bn Wv? h³In-S _n-kn-\-kp-Im-cnepw D-S-se-Sp-¡p¶ D¸ hyh-kmbnI-fn-ep-am-Wv ]-W-ap-Å ¶§fn- \n-¶mIpw Xv. C¯-c-sam-cp _rl-Zv b-Rv-P¯n slÂ-¸nw-Kv lm³-Um-bn \nÂ-¡m-\m-Wv _m-¦p-IÄ-¡v km-[namWv. A-hnS-s¯ B-h-iy-¯n-\-\p-k-cn-¨v FÃmw ¡pI. ]p-\x-{I-ao-I-cn¨p. tI-c-f-¯n Hmtcm A-©p In-tem cm-Py-¯v h³In-S ]-²-Xn-IÄ-¡m-bp-Å aq-e[ao-ä-dnepw s^-U-d _m-¦n-\v km-¶n-[y-ap|v. \w ]-e cq-]-¯n C-hn-tS-¡v H-gp-In h-cpw. F-^v F-¶m I-gn-ª A-©p- hÀ-j-¯n-\n-sS Un-Pn-ä Un sF, F-^v ]n sF, tkm-h-dn³ shÂ-¯v ^-|v, {Sm³-km-£-\n Ip-Xn-¨p-Nm-«-ap-|m-bn. s^-U-d s]³-j³ aWn, C³-jp-d³-kv a-Wn... A§-s\ _m-¦n-sâ 900t¯m-fw ^oÂ-Uv Ìm-^p-IÄ amÀ-¡-än ]-e hn-[-¯n \n-t£-]w h-cpw.

-ep|v. F-¶m {_m-©p-I-fp-sS {]k-àn ]qÀ F-aÀ-Pnw-Kv amÀ-¡-äp-I-fn a-äv cm-Py-§-tf-¡mÄ Wambpw \-ã-am-Ip-¶nÃ. C¶pw {Kmao-W ta-J-e-IF´p-sIm|pw B-IÀj-Iw C-´y X-s¶-bmWv. afn _m-¦v im-J-IÄ Ip-td-tb-sd t]-cp-sS kw-K-aXnbm-b \-b-§fpw cq-]-tc-J-Ifpw D-s|-¦n sa-Km tI-{µ-am-Wv. ]-²-Xn-I-fp-sS km-£m-Â-Im-c-¯n-\m-bp-Å aq-e[-\w cm-Py-¯n-te-¡v h-cpw. s^-U-d _m-¦n-sâ t]mÀ«v-t^mfn-tbm-bpw ZÀ-i-\hpw F-´mWv? A-¯-c-¯n i-cnbm-b hn-[-¯n-ep-Å \-b-§fpw FÃm _n-kn-\k - p-IÄ¡pw Nm-{In-Ia - m-b H-cp {I-aa - pN-«-§fpw cm-Py-¯v h-cp-¶p-t|m? s|-¶v I-cp-Xp-¶ hy-àn-bm-Wv Rm³. F-¶m Cu XoÀ-¨-bm-bpw. C³-tkmÄ-h³-kn B³-Uv _m-¦v-d-]vNm-{In-I {]-Xn-`m-k¯ - n- s]«v _m-¦n-\v £o-Ww äv-kn tImUv (IBC) X-s¶ B Zn-i-bn-te-¡p-Å H-cp kw-`h - n-¡c - pXv. AXp-sIm-|v sam-¯w _n-kn-\k - n-s\ Np-h-Sp-sh-¸mWv. C-Xv Ir-Xy-am-bn \-S-¸m-¡-s¸-«m aq-¶m-bn Xn-cn-¨v tImÀ-¸t- d-äv, Fw-Fk - vF - w-C, _m-¦p-IÄ-¡v e-`n-¡m-\p-Å Xp-I-bp-sS hf-sc sNdndo-sä-bv F-¶o ta-Je - I - f - n Ir-Xy-am-bn {i-²b - qb i-X-am-\w t]mepw e-`n-¨m c|vv e-£w tIm-Sn ¶n-bn-cn-¡p-Ib - mWv. F³ ]n F hÀ-j§ - f - m-bn cq-]-tbm-fw h-t¶¡pw A-Xv. Ip-dª X-e¯ - n-emWv. tI-cf - ¯ - n-sebpw C-Xc F-¶n-cp-¶mepw sa-Km ]-²-Xn-I-fp-sS km-£m- kw-Øm-\§ - f - n-sebpw hn]-Wn i-àam-b h-fÀ-¨ ¡mc-¯n-\m-bn \q-X-\am-b B-i-b-§Ä sIm-|p-hIm-Wn-¡p-¶p|v. \n-t£-]¯ - n-sâ Im-cy-¯n tI-cf - tc-|n h-cpw. D-Zm-l-c-W-¯n-\v \-½p-sS kn-bmÂ. ¯n-te-Xn-t\-¡mÄ c-|v aS-§v h-fÀ-¨ kw-Øm-\s]m-Xp kz-Im-cy ]-¦m-fn-¯-¯n-sâ an-I-¨ am-Xr-I ¯n-\v ]p-d¯ - p-\n-¶p-|v.

-bm-W-Xv. an-I-¨ eo-tU-gv-km-sW-¦n B-i-b§Ä s^-U-d _m-¦n-\v {]-[m-\-am-bpw aq-¶v ZÀ-i-\-§-fm¡pw ]-W-¯n-\pw ZuÀ-e-`y-ap-|m-InÃ.

Wp-Å-Xv. 1. tI-c-f hn-]-Wn-bn prominance (Hu-¶-Xyw) \n Xm-¦Ä t\c-t¯ ]-dªp, Fw-F-kvFw-C \n¶v dominance (B-[n-]Xyw) BÀ-Pn-¡p-I. tI-chm-bv-]-IÄ h-fÀ-¨m Xz-c-I-am-Ip-sa-¶v. B cwKf-¯n-\v ]pd-¯v presence (km-¶n-[yw)¯n \n¶v ¯v C-´y³ _m-¦p-IÄ t\-cn-Sp-¶ shÃp-hn-fn-IÄ prominance (Hu-¶-Xyw) ¯n-te-¡v h-f-cp-I. F-s´m-s¡-bmWv? 2. Un-Pnä-en im-ào-I-cn-¡-s¸-« am-\p-jn-I- ap-J-ap-Å h³ h-f-À-¨ t\-Sp-¶ cw-K-am-sW-¦n t]mepw Fw_m-¦mIpI F-kvFw-C ta-J-e C-t¸mgpw h³-tXm-Xn kw-L 3. Un-Pn-ä km-t¦-Xn-I-hn-Zy-bn Du¶n-b A-t§-bSn-X kz-`m-hw BÀ-Ön-¨n-«nÃ. A-h-cp-sS _p-¡v Ioäw B-cm-[yam-b _m-¦v B-hp-I. ¸nw-Kv i-cnbm-b hn-[-¯n-em-I-W-sa-¶nÃ. A-h-cp-sS i-cnbm-b s{I-Un-äv hÀ-¯n-s\-kv A-dn-bm³ _p-²n-ap _m-¦v cwK-¯v `m-hn-bn h-cm-\n-S-bp-Å am-ä-§-sf«p-|m-Imw. sSIv-t\mf-Pn cwK-¯v \n-t£-]w \-S-¯ns´m-s¡-bm-Ipw? ¡m-W-Wsa-¶nÃ. ]-t£ Pn-F-kvSn Cu cwK-¯v H-cp sKbnw tN-bv-©-dm-Wv. H-cp tXÀ-Uv ]mÀ-«n C¯-cw 2030 F-¶ A-Sp-¯ Z-i-I-¯n-se Im-cy-§Ä C-t¸mÄ kw-cw-`-§-fp-sS I-W-¡p-IÄ \n-co-£n-¡m-\p|v. Ir{]-h-Nn¡p-I A-km-[y-amWv. A-{X-tb-sd th-K-¯n Xy-am-bn A-Xv \-S-¡p¶p. hmbv-] \Â-Im³ ]-äp-¶ A-{X-am{Xw A-{]-Xo-£n-Xam-b Im-cy-§-fm-Wv A-\pkw-cw-`-§fm-tWm-sb-¶v \-ap-¡v hn-e-bn-cp-¯m³ Zn-\w A-c-t§-dp-¶-Xv. G-Xm-\pw hÀ-j-§Ä-¡p-Ån C-t¸mÄ Ip-td-¡q-Sn t^mÀ-aem-b co-Xn-bp-|v.

A-Xm-b-Xv 3 þ 4 hÀ-j-§Ä-¡p-Ån kw-`-hn-¡m-\n-Sbp-Å Nn-e Im-cy-§Ä C-sXm-s¡-bm-Wv. _m-¦p-IÄ¡pw hm-bv-]m A-t]-£-IÀ¡pw C-S 1. Un-Pn-ä I-d³-kn-IÄ - ¡ - v Aw-Ko-Im-ct- a-dpw. {] bn Iq-Sp-X a-[y-hÀ-¯n-IÄ h-cm-\n-S-bp-t|m? k-àn hÀ-[n-¡pw. _m-¦p-IÄ h-sc A-Xn-s\ kzo-Ic - n h-cmw. Un-Pn-ä ¹mäv-t^m-ap-IÄ AXpw X-t±io-b ¡pw. `m-j-bn-ep-Å h-t¶-¡mw. t\m-¡q, Du-_dpw kzn 2. 2025 þ 2030 B-Ip-t¼m-tg¡pw _m-¦p-If - p-sS ¤nbp-sam-s¡ Xn-I¨pw km-[m-c-W-¡mÀ h-sc F-§hc pa m\ ¯ ns â 30 þ 40 iX a m\ w \mw Ct ¸mÄ ]-cns\-bm-Wv D-]-tbm-Kn-¡p-¶Xv? F-{X-am-{X-am-Wv A-h Nn-Xa - Ãm-¯, A-sÃ-¦n \-ap-¡v C-t¸mÄ Du-lnFÃm-h-cn-te¡pw I-S-s¶-¯n-bn-cn-¡p-¶Xv? B ¡m³ t]m-epw ]-äm-¯ DÂ-¸¶ - § - f - n \n-¶m-Ipw. ¹m-äv-t^m-ap-I-fp-sS e-fn-Xam-b co-Xnbpw ku-I-cy-§C-t¸mÄ _m-¦p-IÄ-¡v 100 cq-] e-`n-¡p-¶X - n-\v A-Xn-\v fp-am-Wv D-]-t`m-àm¡-sf kr-ãn-¨Xv. AXp-t]m-se \a p¡ v Ad nb mh p¶ D¸ ¶ t{iW nb p|v . F-¶m _m-¦nw-Kv cw-K¯pw am-ä-§Ä h-cpw.

2025 þ 2030 B-Ip-t¼mÄ B 100 cq-]b - n 30 þ 40 cq-] h-cp¶-Xv Xn-I¨pw ]pXn-b DÂ-¸¶ - § - f - n \n-¶m-Ipw. _m-¦p-I-fp-sS X-s¶ {]k-àn \-ã-am-Ip-tam?

3.

D] t `mà mh v IqS pX  {]X m] w BÀ-Ön-¡p _n tK-äv-kv X-sâ {]-i-kv-Xamb tdm-Uv F-sl-Uv sa¶ X mW v as ämc p Imc yw.

Ah À¡ v th| Im-cyF-¶ _p-¡n ]-d-ªn-«n-tÃ, Banking is necessary; §Ä A-hÀ ]-db - pw. A-Xv _m-¦p-IÄ \Â-tI-|n Banks are not. _m-¦p-I-fp-sS ^n-kn-¡Â {]-k³-kv h-cpw.

X-s¶ am-dpw. I-gn-ª A-©p-hÀ-j-¯n-\n-sS A-Sp¯n-sS Xp-d-¶ H-cp _m-¦v im-J-bÃm-sX R-§Ä H-cp aqe-[-\ ]-cym-]v-X-X-bp-Å _m-¦p-IÄ \n-e\nÂ-¡pw. Un-Pnä-en A-t§b-äw ap-t¶-dp-¶-h-bpw. ]pXn-b {_m©pw Xp-d-¶n-«nÃ. F-sâ C-hn-Sp-s¯ {]-h-N-\m-Xo-Xam-b am-ä§-sf Im-¯n-cn-¡mw. h³ Im-e-b-f-hn B-Zy A-©p- hÀ-jw ]pXn-b H-t«-sd h-fÀ-¨ km-[y-am-Ip-sa-¶ ip-`m-]v-Xn hn-izm-k-t¯m-sS im-J-IÄ Xp-d¶p. ]n-¶o-Sv im-J-IÄ ]p-\x-{I-ao-I-cnX-s¶. ¨p. Hmtcm {_m©pw Hmtcm hn-]-Wnbpw hy-Xy-kv-X[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

11

IhÀ tÌmdn COVER STORY

]Ww

_n-kn-\-kn A-{]-Xo-£n-Xam-b Im-cy-§Ä F¶pw {]-Xo-£n-¡p-I. em-`w h-I-am-än sNe-hn-Sm-sX A-Xymh-iy-L-«-¯n F-fp-¸-¯n-se-Sp-¯v hn\n-tbm-Kn-¡m³ ] äpw hn-[w kq-£n¡pI

_nkn\kn F§s\ ssII

10

GOLDEN RULES

]-Ww ssI-Im-cyw sN-¿p-¶-Xn-se A-Sn-Øm-\ X-Xz-§Ä a-\-kn-em-¡n {]-hÀ-¯n-¨m _n-kn-\-kn-se ]-e ]-cm-P-b-§-fpw H-gn-hm-¡mw [\w \yqkv _yqtdm

Time is money, says the proverb. But turn it around and you get a precious truth in business. Money is time...

]-

Ww k-a-bw t]m-se-bm-Wv, \mw A-Xn-s\ th-|-hn-[w D-]-tbm-K-s¸Sp-¯n-bn-sÃ-¦n H-cn-¡-epw Xn-cn-¨p-]n-Sn-¡m-\m-Im-¯ hn-[w A-Xv \-ã-am-tb-¡mw. tPmÀ-Pv Kn-Ênw-Kn-sâ Cu hm-N-Iw t]m-se-bm-Wv _n-kn-\-kn ]-W-¯n-sâ {]-m[m-\y-hpw. kw-cw-`-I-Xz-¯n-em-sW-¦n-epw A-Ãm-sX-bm-sW-¦n-epw Ir-Xy-X-tbm-sS D-]-tbm-K-s¸-Sp-t¯-|-Xm-Wv ]-W-s¯-bpw. ]-e-t¸m-gpw km-¼-¯n-I B-kq-{X-W-¯n-em-Wv kw-cw-`-IÀ sX-¶n-ho-gm-dp-Å-Xv. sX-äm-b km-¼-¯n-I C-S-]m-Sp-I-fpw A-_-²-§-fpw F-{X \-¶m-bn \-S-¡p-¶ _n-kn-\-kn-s\-bpw ZoÀ-L-Zq-cw ap-t¶m-«v sIm|pt]m-In-Ã. km-¼-¯n-I Im-cy-§-fn-se Nn-e ho-gv-N-IÄ kw-cw-`-IÀ {i-²n-¡m-sX t]m-Ip-I-bpw ]n-¶o-S-h h³ ]-cm-P-b-§-fn I-emin-¡p-I-bpw sN-bv-X \n-c-h-[n D-Zm-l-c-W-§Ä \-ap-¡v Np-äp-ap-|v. \n-km-c-sa-¶p tXm-¶n-tb-¡m-hp-¶ Nn-e km-¼-¯n-I ho-gv-NI-fm-Ipw \n-§Ä t]m-ep-a-dn-bm-sX \n-§-fp-sS _n-kn-\-kn-s\ X-IÀ-¯p I-fbp-I. ]-W-an-S-]m-Sp-I-fn s]m-Xp-th h-t¶-¡m-hp-¶ ho-gv-N-I-fpw A-h H-gn-hm-¡m³ {i-²n-t¡-| Im-cy-§-fpw kw-cw-`-IÀ A-dn-ªncn-¡-Ww. _nkn-\-kn ]-Ww ssI-Imcyw sN-¿p-¶-Xn-\p-Å 10 kp-hÀ-W X-Xz-§Ä CXm.

12

s^{_phcn 15, 2020

[\w hyh-kmb hmWnPy ssZzhm-cnI

\o|-\mÄ sIm-|v {]-hÀ-¯-\-£-a-am-IpIbpw em-`w t\-Sp-Ibpw sN-¿p-¶ ]-²-Xn-IÄ-¡m-bn {l-kzIm-e hm-bv-]I-sf B-{i-bn-¡-cpXv

]cnNbanÃm¯ taJebn ]Wand¡cpXv

1

_nkn\kn \n¶pÅ hcpam\w 2 aäp ]eXn\pambn D]tbmKs¸Sp¯cpXv ]-cn-N-b-an-Ãm-¯ ta-J-e-I-fn- _n-kn\-kv sN-¿m-Xn-cn-¡p-I F-¶-Xv G-sXm-cp {][m-\ _n-kn\-kn h-f-À¨m-km-[y-X-IÄ A-h-ti-jn-¡p-¶ps|-¦n A-Xn X-s¶ D-d-¨p-\n¡p-I. A-\mh-iy hn-]p-eo-Ic-Ww kwcw-`-¯n-\v N-c-a-¡p-dns¸-gpXpw

^-

|p-I-fp-sS hn-\n-tbm-K-¯n kwcw-`-IÀ ssI-s¡m-Åp-¶ Nn-e sX-äm-b Xo-cp-am-\-§Ä _n-kn-\-kn-s\ km-c-am-bn _m-[n-t¨-¡mw. _n-kn-\-kn \n-¶p-Å h-cp-am-\w a-äp ]-e-Xn-\p-am-bn D-]-tbm-Ks¸-Sp-¯p-¶-Xm-Wn-Xv. D-Zm-l-c-W-¯n-\v _n-kn-\-kn \n-¶p-Å em-`-sa-Sp-¯v ]-ecpw A-h-[n-¡m-e h-k-Xn ]-Wn-bp-¶-tXm B-Uw-_-c ImÀ hm-§p-¶-tXm t]m-ep-Å A-Xym-h-iy-a-Ãm-¯ BkvXn-IÄ kr-ãn¡m-dp-|v. C-¯-c-¯n ^-|v hn-\n-tbmKw \-S-¯n {]-Xn-k-Ôn-bn-em-b \n-c-h-[n {]-Øm-\-§-fp-|v. A-Xpt]m-se X-s¶ ]-»n-kn-än-¡v th-|n A-an-X-am-bn Nm-cn-än

Imcyw sN¿Ww kwcw-`-¯n-sâ em-`hpw \-ãhpw A-Sp-¯-Sp-¯ C-Sth-f-I-fn ]cn-tim[n-¡Ww. I-s|-¯p-¶ Hmtcm km-¼¯nI s]m-cp-¯-t¡-Sp-Ifpw A-¸-t¸m-Ä ]-cn-l-cn¡p-I X-s¶ thWw

{]-hÀ-¯-\-§Ä \-S-¯p-¶-hcp-ap-|v. C-Xn-s\-Ãmw _n-kn-\kn-se ]-W-am-Wv t]mIp-¶-sX-¶v Xn-cn-¨-dn-bm³ ]-e-t¸m-gpw ssh-Ip-¶p.

I-s^ tIm-^n tU, k-Xyw Iw-]yq-t«-gv-kv, sP-äv F-bÀth-bv-kv, `q-j³ Ìo F-¶n-h-sb-Ãmw C-¯c-¯n _n-kn-\-kn \n-¶p-ap-Å h-cp-am-\w F-Sp-¯v a-äp h-I-IÄ¡m-bn hn-\n-tbm-Kn¡p-I-bpw ]n-¶o-Sv I-S-¯n-em-Ip-I-bpw sN-bv-X I-¼-\n-Ifm-Wv.

kw-cw-`-I-\pw a-\-kn h-bv-t¡-| ]mTam-Wv. A-Xpt]m-se X-s¶-bm-Wv H-cp _n-kn-\-kv hn-P-bn-¨p I-gn-bp-t¼mÄ AXn-sâ Io-gn XoÀ-¯pw hy-Xy-kv-X-am-b a-säm-cp _n-kn-\-kv Xp-S-§p-¶-Xv. C-Xv sX-äm-b ssh-hn-[yh¡-c-W co-Xnbm-Wv. hn-hn-[ ta-J-e-I-fn-te-¡v {i-² ]-Xn-¸n-¡m-sX \n-e-hn-ep-Å _n-kn-\-knt\m-Sv tNÀ-¶p \n-¶p h-f-cm-hp-¶ a-säm-cp _n-kn-\-kv sI-«n-¸-Sp-¡mw. D-Zm-l-c-W¯n-\v s{_-Uv D-|m-¡p-¶-hÀ _n-kv-Iän-te-t¡m, Idn-s¸m-Sn _n-kn-\-kp-ImÀ C³-Ìâv I-dn-¡q-«p-I-fn-te-t¡m {] hÀ¯-\w hym-]n-¸n¡pw t]mse. {]-[m-\ ta-J-e-bn-se h-fÀ-¨m-km-[y-X-IÄ ]-cam-h-[n D-]-tbm-Kn-¨-Xn-\p-ti-jw am-{Xta a-säm-cp ta-J-e-bn-te-¡v _n-kn-\-kv h-fÀ-¯p-¶-Xn-s\-¡p-dn-¨v Nn-´n-¨v Xp-S§m-hq. C-sÃ-¦n B-Zy-s¯ _n-kn-\kn \n-¶p-Å ]-Ww Iq-Sn c-|m-a-s¯ _n-kn-\-kn-te-¡v sN-e-h-gn-¡p-I-bpw C-h c-|v _n-kn-\-kn-s\-bpw _m-[n-¡p-I-bpw sN-¿pw. tXm-jn-_ B-\-µv _m-ä-do-kv, Inw-Kv ^n-jÀ F-bÀ-th-bv-kv, ImÀ-hn Xp-S-§n-b-h-sbm-s¡ C-Xn-\v \-ap-¡v ap-¶n-ep-Å an-I-¨ D-Zm-l-c-W-§-fm-Wv. Im-en-I-am-b C-¶-th-j-\p-IÄ kw-cw-`§-fn h-cp-¯p-I-bpw th-Ww. F-¶m Xn-I-¨pw hy-Xy-kv-X-am-b ta-J-e-I-fn-te-

¡n-d-§n hn-P-bn-¨ hn-þ KmÀ-Uv C³-U-kv{So-kv t]m-ep-Å D-Zm-l-c-W-§-fpw \-ap-¡v ap-¶n-ep-|v. hn-þ KmÀ-Uv C³-U-kv-{So-kv, h-|À-em F-¶ Xn-I-¨pw hy-Xy-kv-X-am-b _n-kn-\-kn-te-¡v ssh-hn-[y-h¡-c-Ww \-S-¯n-b-t¸mÄ kwcw-`Isâ B-ß-hnizm-k-hpw ]p-Xn-b ta-J-e-bn-se ]T-\-hpam-Wv kw-cw-`-s¯ hn-P-bn-¸n-¨-Xv.

tXmjn-_ B-\-µn \pw Inw-Kv ^n-j-dn\pw ImÀ-hn-¡pw F-hn-sS-bmWv Nph-Sv sX-än-b-Xv? ]-t£ Xn-I¨pw hy-Xykv-Xam-b ta-J-e-bn-te¡v hn KmÀ-Uv C³-Ukv-{So-kv F-§-s\-bm-Wv hn-P-I-c-am-bn I-S¶Xv?

3

icnbmb ]W ]cnhÀ¯\ N{Iw

Im-jv I¬-thÀ-j³ ssk-¡nÄ (CCC)

A-Y-hm _n-kn-\-kn-se ]-W-]-cn-hÀ-¯-\ N-{Iw i-cn-bm-b co-Xn-bn-em-¡p-I F-¶-Xv

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

13

IhÀ tÌmdn COVER STORY

G-sXm-cp _n-kn-\-kn-sâ-bpw Im-Xem-Wv. D-Zm-l-c-W-¯n-\v \n-§-fp-sS ssI-h-i-ap-Å tÌm-¡p-IÄ hn-ä-gn¡m³ \n-§Ä-¡v th-| Zn-h-k-§Ä 30 B-sW-¶n-cn-s¡ \n-§Ä A-Xn-s\ 30 X-s¶-bm-bn-«m-bn-cn-¡mw I-W-¡m¡p-I. F-¶m A-h hn-ä-gn-¡-s¸Sm³ 45 Zn-h-k-sa-Sp-¡p-I-bpw hn-ä-gn¡-s¸-Sp-¶ A-{X-bpw N-c-¡p h-I-IÄ ]-W-am-bn \n-§-fp-sS ssI-I-fn-tes¡-¯m³ ho-|p-sam-cp 15 Zn-h-k-hpw F-Sp-t¯-¡mw. A-t¸mÄ \n-§-fp-sS ]-W ]-cn-hÀ-¯-\ N-{Iw 60 Zn-h-k-amWv. A-Xm-b-Xv \n-§-fp-sS N-c-¡p-IÄ ]-W-am-Im³ 45 +15 = 60 Zn-h-k-sa-Sp¡p-sa-¶À-°w.

Cu bm-YmÀ°yw Xn-cn-¨-dn-ªv kwcw-`-IÀ ]-²-Xn-IÄ B-kq-{X-Ww sN-bv-Xn-sÃ-¦n Im-cy-§Ä ssI-hn«pt]m-Ipw. _n-kn-\-kn-se {I-b-hn-{I-b§Ä Im-jv ^vtfm A-dn-ªp-am{Xw sN-¿pI. ]W¯nsâ Cu ]-cnh-À-¯-\ N{Iw Ip-d-bv-¡m-\p-Å h-gnIfpw B-tem-Nn-¡Ww.

D¸-¶tam tkh-\tam hnÂ-¸-\ \S-¯n ]-Ww ssI-bn In-«m³ F-{X Zn-h-k-sa-Sp-¡p-sa-¶v _n-kn-\-kp-ImÀ IrXy-am-bn A-dn-ªn-cn¡-Ww. C-X-dn-bm-sX ]-²-Xn-IÄ B-kq{XWw sN-bv-Xm I-Ss¡-Wn-bn-emIpw

sN-bv-Xv \n-§-fp-sS ap-¶n-se-¯p-¶-Xv. h-en-b Xp-I-bm-sW-¦n-epw s]-s«-¶v A-S¨pXoÀ-¡m-sa-¶ A-an-X B-ß-hn-izm-kt¯m-sS h-f-sc Ip-d-ª Im-em-h-[n-bn Xn-cn-¨-S-bv-¡p-¶ hm-bv-]-IÄ F-Sp-¡-cp-Xv. {]-tXy-In-¨v ZoÀ-L-Im-e-t¯-¡m-bn \mw \n-t£-]n-¡p-¶ sa-jn-\-dn-tbm Ø-e ku-I-cy hn-]p-eo-I-c-W-tam t]m-ep-Å Im-cy-§-fnÂ. tI-c-f-¯n-se {]-tXy-I-amb km-l-N-cy-¯n ]-²-Xn-IÄ ]qÀ-¯nbm-¡m-\pw \-S-¸m-¡m-\pw h-en-b Im-eXm-a-kw h-cp-¶-Xp Im-c-Ww C-Xv ]n-¶o-Sv h-en-b _m-[y-X-bm-tb-¡mw. ZoÀ-L-Im-e BkvXnIÄ-¡pw ]-²-Xn-IÄ-¡p-am-bn {l-kz-Im-e hm-bv-]-IÄ F-Sp-¡p-¶-Xm-Wv A-k-äv e-b-_-en-än am-t\-Pv-saân-se A-]m-I-X-bm-bn I-W-¡m-¡-s¸-Sp-¶Xv. {l-kz-Im-e hm-bv-]-IÄ-¡v D-bÀ-¶ ]-en-i \Â-tI-|n h-cp-sa-¶ Im-cyw a-d¡-cp-Xv. C-Xv \n-§-fp-sS _n-kn-\-kn-se ]-W-am-sW-¶-Xpw a-d-t¡-|.

5

_PänwKv knÌw sImïphcnI

\n-

§-fp-sS hy-àn-K-X-am-b ]-W-tam _n-kn-\-kn-se ]-W-tam B-h-s«, _-Pänw-Kv Ir-Xy-am-I-Ww. _n-kn-\-kn-sâ h-ch-dn-bm-sX sN-e-h-gn-¡-cp-Xv. h-cpw- Im-e dn-kv-Ip-I-tfm A-[n-I sN-e-hp-I-tfm I-W-¡n-se-Sp-¯p th-Ww _n-kn-\-kn ]-Ww ssI-Im-cyw sN-¿m³. {]-tXy-In-¨v _n-kn-\-kn-s\ A-Sp-¯ L-«-¯n-te-¡v D-bÀ-t¯-| km-l-N-cyw D-Å-t¸mÄ. _-P-äv Ir-Xy-am-bn-cn-¡p-I. sN-e-hp-IÄ ]-cn-an-X-s¸-Sp-¯p-I. F-Ãm sN-e-hp-IÄ¡pw Ir-Xy-am-bn ]-Ww \o-¡n-sh-¨v A-Xn-\p-Ån \n-¶v X-s¶ ]qÀ-¯n-bm¡m³ {i-an-¡p-I.

FwsFFkv (amt\ Pvsaâ v C³^À taj³ knÌw) dnhyq sN¿pI

6 ZoÀLIme 4 AkäpIÄ ¡pw ]²Xn IÄ¡pambn {lkzIme Øm-]-\-§-fp-sS `-c-W-\nÀ-h-l-W\m-h-iy-am-b F-Ãm hn-h-c-§-fpw Bhmbv]IÄ FSp¡cpXv ¯nh-iym-\p-k-c-Ww D-]-tbm-Kn-¡m-\m-bn kqkw-cw-`-I-s\-¶ \n-e-bn \n-§-fp-

sS "tIm-a¬-sk³-kv' B-bn-cn-¡-Ww C-hn-sS D-WÀ-¶p {]-hÀ-¯n-t¡-|-Xv. C-¶v \n-c-h-[n _m-¦p-I-fm-Wv D-bÀ-¶ ]-en-i \n-c-¡n {l-kz-Im-e hm-bv-]I-fm-bn h-en-b Xp-I hm-Kv-Zm-\w

14

s^{_phcn 15, 2020

£n-¡p-¶ kw-hn-[m-\-am-Wn-Xv. \n-§-fp-sS kw-cw-`-¯n-\pw A-Xn-tâ-Xm-b am-t\-Pv-saâv C³-^À-ta-j³ kn-Ìw D-|m-tI|-Xv _n-kn-\-kn-sâ \-S-¯n-¸n-\v h-f-sc {]-[m-\-am-Wv. _n-kn-\-kn-se F-Ãm {]-hÀ-¯-\-§-fpw A-h-bp-sS i-cn-bm-b hn-h-c-§Ä-¡-\p-k-cn-¨v {I-ao-I-cn-t¡-

[\w hyh-kmb hmWnPy ssZzhm-cnI

^n\m³jy 7 tÌävsaâp IÄ CSbv¡n

sS ]cntim [n¡pI em-`-hpw \-ã-hpw A-Sp-¯-Sp-¯

Im-em-h-[n-bn X-s¶ ]-cn-tim[n-¡-Ww. Hm-tcm aq-¶p- am-k-¯nep-tam B-dp am-kw Iq-Sp-t¼m-tgm ^n-\m³-jy tÌ-äv-saâp-IÄ hn-e-bn-cp-t¯-|-Xv kw-cw-`-s¯ kw-_-Ôn-¨v XoÀ-¨-bm-bpw {]-[m\-am-Wv. I-S-en-eq-sS H-gp-Ip-¶ I-¸Â t]m-se-bm-Wv {]-Xn-kÔn-I-fn-eq-sS ap-t¶m-«v \o-§p-¶ kw-cw-`-§-fpw. I¸en-se sN-dpZzm-c-§Ä A-Xn-th-Kw I-s|-¯n AS¨m ap-§m-sX ZoÀ-L-Zq-cw bm-{X sN-¿mw. sN-dn-b Nn-e km¼-¯n-I {I-a-t¡-Sp-IÄ t]m-epw A-¸-t¸mÄ ]-cn-l-cn-t¡-|-Xm-Wv. C-Xv sN-¿m-sX hcp-¶-Xn-\m-emWv ]-e kw-cw-`-hpw X-I-cp-¶ A-hØ-sb-¯p-t¼mÄ am-{Xw A-dn-bpI-bpw {]m-tbm-Kn-I-am-bn A-h-sb {]-Xn-tcm-[n-¡m³ I-gn-bm-sXbpw h-cp-¶-Xpw.

|-Xm-Wv. kn-Ìw F-gp-Xn kq-£n-¡p-I, tKm-fp-IÄ sk-äv sN-¿p-I, _n-kn-\-knsâ Hm-tcm {]-hÀ-¯-\-§-fpw Ir-Xy-am-b kn-Ì-¯n-\p Io-gn sIm-|p-h-cpI-bpw A-h kq-£n-¡p-I-bpw sN-¿p-I, \n-e-hnse DÂ-¸-¶-§-sf-tbm tk-h-\-§-sf-tbm Ip-dn-¨p-Å hn-h-c-§Ä tc-J-s¸-Sp-¯n-bncn-¡p-I F-¶-sX-Ãmw G-sd {]-[m-\-am-Wv. Øm-]-\-¯n ssI-s¡m-Åp-¶ Xo-cp-am\-§Ä t]m-epw C-Xn-s\ kzm-[o-\n-¨n-cn¡p-¶p. D-Zm-l-c-W-¯n-\v ¢u-Uv Iw-]yq«nw-Kv h-gn \n-§-fp-sS {]-Øm-\-¯n-sâ {]-hÀ-¯-\-§-sf-Ãmw _-Ôn-¸n-¨n-cn-¡p-¶Xn-s\ ]p-Xp-X-e-ap-d am-t\-Pv-saâv C³-^Àta-j³ kn-Ìw F-¶p hn-ti-jn-¸n-¡mw.

8 _n-

em`w IW¡m¡p ¶Xn ]nghv ]äcpXv

kn-\-kn-se em-`w F-§-s\-bm-Wv I-W-¡m-¡p-¶-sX-¶-dn-bm-sX X-§-fp-sS _n-kn-\-kv em-`-¯n-em-Wv F-¶p I-cpXn Iq-k-en-Ãm-sX ap-t¶m-«p t]m-Ip-¶h-cp-|v. F-¶m _n-kn-\-kn em-`w

I-W-¡m-¡p-t¼mÄ sN-e-hp-I-sf-Ãmw I-gn-¨p-Å _m-¡n ap-X-en-em-bn-cn-¡-Ww {i-² \Â-tI-|-Xv. C-Xv D-bÀ-¶m am{X-ta \n-§-fp-sS _n-kn-\-kv em-`-¯n B-sW-¶v ]-d-bm³ I-gn-bq. A-k-äv, kv-täm-¡v, ^n-Iv-k-Uv A-k-äp-IÄ, _m-¦v _m-e³-kv, dn-ko-h-_vÄ-kv, sU--tä-gv-kv dn-ko-h-_vÄ Xp-S-§n-b-h-bp-sS B-sI-¯pI-bn \n-¶v e-b-_-nen-än-IÄ, s{I-Un-tägv-kv t]-b-_nÄ, tem¬ Xp-I, F-Iv-kvs]³-kv t]-b-_nÄ Xp-S-§n-b-h-bp-sS B-sI-¯p-I Ip-d-bv-¡p-I. C-Xm-Wv sNe-hp-I-sf-Ãmw I-gn-¨p-Å an-¨w A-Y-hm _m-¡n. C-Xv hÀ-[n-¨p h-c-Ww. F-¦n am-{X-ta \n-§-fp-sS _n-kn-\-kv em-`-¯nem-Wv F¶v ]-d-bm-\m-Iq.

9

\nba§fpw \nb{´W§fpw ]men¡pI

G-

sXm-cp _n-kn\-kv \-S-¯n-¸n\pw \nb-a-]-cam-b N-«-¡q-Sp-IÄ Im-Wpw. A-h Ir-Xy-am-bn ]m-en-¡p¶-Xv kw-cw-`-¯n-sâ h-fÀ-¨-bv-¡p-Å I-h-N-amWv.B-Zm-b \nIp-Xn, Pn-F-kv-Sn, ^p-Uv tk-^v-än A-tYmdn-än, sk-_n, BÀ-_n-sF F¶n§-s\ _n-kn\-kv G-Xv ta-J-e-bnemtWm B ta-Je-sb \n-b-{´n-¡p-¶ G-P³-kn-Ifp-sS am-\-Z-Þ-§fpw N-«-§fpw hogv-N h-cp-¯m-sX ]m-en-¡Ww. Hcn-¡Â \-S¯p-¶ sh-«n-¸p-IÄ t]mepw ]n-¶o-Sv _nkn-\-kn-sâ X-IÀ-¨-bv-¡v h-gn-sh-t¨-¡mw.

10

tUmIypsaâpIÄ IrXyam¡pI

\n-

§Ä-¡v \n-c-h-[n I-S-¼-IÄ I-S-t¶ _n-kn-\-kn ap-t¶-dm³ I-gn-bq. hn-hn-[ h-Ip-¸p-I-fn-se D-tZym-K-ØÀ-¡p ap-¶n kw-cw-`-¯n-sâ hn-hn-[ B-h-iy-§-fp-ambn F-t¯-| km-l-N-cyw h-cp-t¼mÄ \n-§-fp-sS tc-J-I-sf-Ãmw X-s¶ Ir-Xyhpw k-Xy-k-Ô-hp-am-sW-¶-Xv D-d-¸p-h-cp¯p-I. HmÀ-¡p-I, H-cp ta-ep-tZym-K-Øsâ H-¸n-tem h-Ip-¸p-I-fp-sS A-\p-a-Xn ssh-I-en-tem Ip-Sp-§n t]m-Im-hp-¶-XmWv C-hn-sS G-Xv _n-kn-\-kpw. A-Xn\m _n-kn-\-kv F-t¸m-gpw kp-Xm-cy-ambn-cn-¡p-sa-¶v D-d-¸p h-cp-¯p-I. ([\w _n-kn\-kv am-K-kn³ kw-L-Sn-¸n-¨ FwF-kvFw-C k-an-äv 2020 hÀ-a B³-Uv hÀ-a ko-\n-bÀ ]mÀ-SvWÀ CA k-Xy-\m-cm-W³ hn. \-S¯n-b {]-`m-jW-s¯ B-[m-c-am-¡n X-¿m-dm¡nbXv)

sIm-¨n-bn \-S-¶ \n-t£-]-I kw-K-a-am-b A-sk³-Uv tI-c-f 2020 A-h-X-cn-¸n-¡-s¸-« t{]m-P-Îv s{]m-ss^-ep-Ifn \n-¶pw sX-sc-sª-Sp-¡-s¸-« ]-²-Xn-I-fm-Wv C-Xn DÄ-s¸-Sp-¯n-bn-cn-¡p-¶-Xv. Iq-Sp-X hn-h-c-§Ä-¡v kw-cw-`IÀ sI.F-kv.sF.Un.kn-bp-am-bn _-Ô-s¸-Sp-I. hn-em-kw: enquiry@ksidcmail.org, t^m¬: 0471þ2318922

_nkn-\kv Ah-k-c-§Ä BUSINESS OPPORTUNITIES

A¨Sn ajnbpw hmÀWojpw \nÀan¡mw D

¶-X Kp-W-\n-e-hm-c-ap-Å Hm-^v-sk-äv A-¨-Sn a-jnbn-epw bp-hn Hm-hÀ-{]nânw-Kv hmÀ-Wo-jp-I-fn-epsam-s¡ D-]-tbm-Kn-¡-s¸-Sp-¶ h-kv-Xp-hm-Wv ]n-bp bq-dn-b sd-kn³.Propylene Oxide sâ e-`y-X-¡p-d-hv Im-c-Ww C-´y-bn-se Nn-e I-¼-\n-IÄ am-{X-ta Polyol D-Â-¸mZn-¸n-¡p-¶p-Åq. A-Xn-\m C-d-¡p-a-Xn sN-¿-s¸-Sp-¶ Polyol B-Wv C-´y³ I-¼-\n-IÄ Iq-Sp-X-em-bpw D-]tbm-Kn-¡p-¶-Xv. sIm-¨n-bn-se _n.]n.kn.F ¹mânsâ I-½o-j-\nw-Kv I-gn-ª-Xn-\m Polyol sâ B-`y´-c e-`y-X hÀ-[n-¡p-w. Iq-Sm-sX s]-t{Sm-sI-an-¡Â ]mÀ-¡v k-Po-h-am-Ip-¶-tXm-sS Polyolsâ e-`y-X-bpw D-]-t`m-K-hpw hÀ-[n-¡m-\n-S-bp-|v. A-Xn-\m C-Xv tI-c-f-¯n-se kw-cw-`-IÀ-¡v \à A-h-k-c-amWv. km-t¦-Xn-I-hn-Zy-I-fp-sS k-¦oÀ-®-X-bn-Ãm-sX X-s¶ C-Xn-sâ DÂ-¸m-Z-\w \nÀ-h-ln-¡m-w. B-`y-´-c hn-]-Wn-bn e-`y-am-bn-«p-Å dn-bm-£³ sh-kÂ,

sXÀ-tam-¹m-Ìn-Iv-kv F-¶n-h-bp-sS kz-`m-h- k-hnti-j-X-I-fp-Å-Xp-am-b t]m-fn-a-dp-I-fn H-¶m-Wv t]m-fn-bq-d¯o³. ss^_À, ^n-enw, ]-i, tIm-«nw-Kvkv Xp-S-§n-b-h-bpsS-sbm-s¡ \nÀ-am-W-¯n-\p-]tbm-Kn-¡p¶p.

\n-t£-]m-h-k-cw 2018Â Polyurethane sâ hn-]-Wn 65.5 _n-ey¬

bp.F-kv tUm-f-dm-bn-cp-¶p. 2019þ25 A-Xv 7 i-X-am-\w sam-¯ hmÀ-jn-I h-fÀ-¨m \n-c-¡v (CAGR) t\-Sp-sa-¶v I-W-¡m-¡p-¶p. hm-l-\, sI-«n-S \nÀ-am-W, C-e-t{Îm-Wn-Iv-kv hy-h-km-b-§-fn `m-cwIp-d-ª-Xpw ZoÀ-L-Im-ew \n-e-\nÂ-¡p-¶-Xp-am-b DÂ-¸-¶-§-fp-sS B-h-iy-I-X hÀ-[n-¡p-sa-¶-Xn\m A-Xv Cu hy-h-km-b-¯n-sâ h-fÀ-¨-¡v C-S-bm-¡pw.

]-²-Xn-bp-sS hn-i-Zmw-i-§Ä C³-U-kv-{Sn: s]-t{Sm-sI-an-¡Â t{]m-P-Îv: ao-Un-bw kv-sI-bn \n-t£-]w: 20 tIm-Sn cq-] sem-t¡-j³: A-¼-e-ap-IÄ, F-d-Wm-Ip-fw U-b-eq-j³ sh-k F-¶n-h-bm-Wv ¹mân-\m-h-iyam-b {]-[m-\ sa-jn-\-dn-IÄ. t]m-fn-ta-gv-kn-sâ H-cp kp-{]-[m-\ hn-`m-K-sa-¶ \n-e-bn \n-Xy-Po-hn-X-¯nse DÂ-¸-¶-§-fn-se-Ãmw ]n-bp D-]-tbm-Kn-¡p-¶p-|v.

2017 tem-I-s¯m-«m-sI-bp-Å ]n-bp-hn-sâ D-]-t`mKw 60.5 _n-ey¬ bp.F-kv tUm-f-dm-bn-cp-s¶-¦n 2021 A-Xv 79 _n-ey¬ bp.F-kv tUm-f-dm-bn hÀ-[n-¡p-sa-¶m-Wv I-W-¡v.

]-²-Xn-bp-sS cq-]-tc-J ¹mân-sâ {]-Xn-hÀ-j DÂ-¸m-Z-\-ti-jn: 6000 MT A-kw-k-vIr-X h-kv-Xp-¡Ä: Polyol BWv ]n-bp bq-dn-b sd-kn³ \nÀ-am-W-¯n-\v th-| kp-{]-[m-\ A-kw-kv-Ir-X-h-kv-Xp. A-Xv {]-Xn-hÀ-jw G-I-tZ-iw 1400 MT B-h-iy-am-Wv. ]-²-Xn sN-e-hv: 20 tIm-Sn e-`y-am-Ip-¶ sXm-gn-e-h-k-c-§Ä: 100 F-®w B-h-iy-am-b `q-an: 15000 N-Xp-c-{i- aoäÀ

hn-]-Wn tX-bv-am-\-s¯ {]-Xn-tcm-[n-¡p-w, t]m-d-te¡nÃ, h-en-¨p-\o-«m-w, H-«n-¸n-Sn-¡p-w F-¶n§s\ A-t\-Iw Kp-W-K-W-§-fm-Wv t]m-fn-bq-d¯o\p-Å-Xv. hy-Xy-kv-X X-cw D-d-¸p-Å-Xpw sXÀ-tam-sk-äv,

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

15

hnP-b-IY

SUCCESS STORY

]me-¡m-Sv \n-s¶m-cp sa-¡m\n-¡Â F³-Pn-\obÀ P-¸m-\n-se-¯n B-tKm-f I-¼-\nIÄ¡v sF-än tk-h-\-§Ä \Â-Ip-¶ kw-cw -`-I\m-b IY

]me¡mSv Sp P¸m

Hcp kvamÀ«v k

[\w \yqkv _yqtdm

]m

e-¡m-Sv F³-Pn-\o-b-dnw-Kv tIm-sf-Pn \n-¶v 1984 sa-¡m-\n-¡Â F³-Pn-\ob-dnw-Kv tZ-h-Zm-kv ]m-d-bv-¡Â ]Tn-¨n-d§p-t¼mÄ C-´y-bn Iw-]yq-«À k-b³-kn _n-cpZ tIm-gv-kpIÄ A[n-Iw tIm-sf-Pp-I-fnep-|m-bn-cp-¶nÃ. a-{Zmkv sF-sF-än-bn \n-¶v C³Ukv-{Sn-b am-t\-Pv-saân _n-cp-Zm\´-c _n-cp-Z-sa-Sp-¯v tZ-h-Zm-kv ]t£ I-cn-bÀ B-cw-`n¨-Xv tkm-^v-ävsh-bÀ cw-K-¯pw. C¶v B-tKm-f-X-e-¯n X-e-bp-bÀ-¯n \nÂ-¡p-¶ _-lp-cm{ã I-¼-\n-IÄ-¡v Un-Pn-ä {Sm³kvt^mÀ-taj³ ¹mäv-t^m-ap-IÄ H-cp-¡n\Â-Ip-¶ sS-Iv-\u-an-Iv-kn-sâ km-c-Yn bm-Wv tZ-h-Zmkv. \nkm³, s\map-d sk Iyq-cn-äokv, »p-kv-ämÀ, dne-b³-kv P-\d C³-jp-d³kv, Im³-tImÀ XpS§n H-«-\h-[n I-¼-\n-IÄ sS-Iv-\u-an-Iv-knsâ ^v-fm-Kv-jn¸v sF.-än DÂ-¸-¶am-b kv-amÀ«v-tUm-Iv-kn-sâ D]t`màr-\n-cbn-ep-|v. Cu X-e-¯n-te-¡v tZ-h-Zmkv ]m-d-bv-¡Â F-¯n-b-Xn-\v ]n-¶n {]-tNm-Z-\m-ß-Iam-sbm-cp I-Y-bp|v. _n-kn\-kv ]-Ým-¯-e-ap-Å Ip-Spw -_-¯n \n-¶Ã tZ-h-Zm-kv ]m-d-bv-¡-ensâ h-chv. ]-Xn-äm-|p-IÄ \o-| s{]m -^-j-W Po-h-nX-¯n-\v ti-jw A-t± lw kz-´-am-bn c-|v kw-cw-`-§Ä Bcw-`n-¡p-Ibpw H-cp U-k-t\m-fw kv-ämÀ«-¸p-I-fn \n-t£-]w \-S-¯p-Ibpw sN-bv-Xn-cn-¡p-¶p. ""Hmtcm c-|p- hÀ-j -¯nepw \mw am-dn-bn-cn-¡Ww. Cu c-|p- hÀ-j-¡m-e-b-f-hn-se B-Zy B-dpam-kw ]pXn-b Imcyw ]Tn-¡m-\m-Wv \mw hn\n-tbm-Kn-t¡-|Xv. A-Sp-¯ B-dp- am-kw \mw ]Tn-¨ Im-cy-§-fp-sS A-Sn-Øm-\-¯n \-½p-tSXm-b H-cp ap-{Z ]-Xn-¸n-¨v hy-Xy-kv-X-am-bn sN-¿m³ {i-an-¡Ww. ]n¶o-Sp-Å H-cp hÀ-jw \mw sN-¿p-¶ {]-hy-¯n-sb hn-P-bI-c-am-bn ap-t¶m-«p sIm|p-t]mIm³ km-[n-¡-Ww. Hmtcm c-|p- hÀ-j ¯nepw \mw \-s½ X-s¶ do-Un-kv-I-hÀ sN-¿Ww,'' tZ-h-Zm-kv ]-d-bp-¶p. C-tX

16

s^{_phcn 15, 2020

tZ-h-Zm-kv ]m-d-bv-¡Â

B-ib - ¯ - n-eq-¶n X-s¶-bm-Wv tZ-hZ- m-knsâ I-cnbÀ, kw-cw-`-I bm-{X-bpw. ]Tn¡p-¶ Ime-¯v kz-´am-sbm-cp kw-cw`w F-¶ Bi-bw t]m-bn-«v tkm-^v-äv sh-bÀ cwK-s¯ tPm-en t]mepw tZ-h-Zm-kn-sâ Nn-´-bn D-|m-bn-cp¶nÃ. ""]t£ ]T-\w I-gn-bpt¼mÄ sF-.än cw-Kw D-Zn-¨p-h-cp-¶ Im-e-ambncp-¶p. sF.-än I-¼-\n-IÄ hn-tZi- t{]mP-Iv-äp-IÄ G-sä-Sp-¯v hntZ-i cm-Py-§fn-te-¡v Po-h-\-¡msc AXn-\m-bn \ntbm-Kn-¡p-¶ {]-h-WXbpw A-t¸m-gm-Wv B-cw-`n-¨Xv. AXp-sIm|m-Wv 1986 Sm-ä I¬-kÄ-«³-kn-bn tPm-en-bn Ib-dn-bX - v.'' sN-ss¶-bnem-bn-cp-¶p \n-b a - \w. ]-t£ ]n-¶o-Sv apw-ss_-bn-te¡v am-dn. 1986 Sn-kn-Fk - n-sâ sam¯w Sow Aw-K§ - f - p-sS F-®w sh-dpw 800 B-bn-cp¶p. s{S-bv\ - n-bm-bn I-bdn-b

[\w hyh-kmb hmWnPy ssZzhm-cnI

tZ-hZ- m-kv ]-Sn-]S- n-bm-bn I-cn-bd - n apt¶m«p-t]m-bn. Snkn-F-kn-sâ So-aw-K-ambn tZ-h-Zm-kv BZyw bp-sI-bn-te¡pw ]n-¶o-Sv P-¸m-\n-te¡pw t]mbn.

\mgn-I¡Ãv P-¸m-\n-te-¡p-Å Cu bm-{X tZ-hZm-kn-sâ I-cn-b-dn H-cp \m-gn-I-¡ Ãm-bn. P-¸m-\n I¼-\n hnhn[ tdm-fpI-fn tZ-h-Zm-kn-sâ tkh-\w hn\n-tbmKn¨p. 11 hÀ-j-¡m-ew Sn-kn-Fkn-s\m-¸w k-©-cn-¨ A-t±lw I-¼-\n-bn I¬kÄ«âv ]-Z-hn-bn-en-cn-s¡ A-hn-sS \n-¶n-d-§n. 1997 sF.-än kÀ-hok-kv I-¼-\nbm-b sF-tKän tPm-en-bn {]-th-in¨p. BZyw P-¸m-\nepw ]n-¶o-Sv ssN-\-bnepw sF-tK-än-sâ hn-]p-eo-Ic-W -{]-hÀ-¯-\-§Ä \-S¶-Xv tZ-hZm-kn-sâ Np-a-X-e-bn-emWv. ""F-¶n-se

kw-cw-`I-s\ D-WÀ-¯nbXv sFtKämWv. I¼-\n km-c-Yn-IÄ H-cn¡epw F-s¶ kq-£v-a-X-e-¯n h-¶v \n-b -{´n-¨nÃ. I-¼-\n-bp-sS h-fÀ-¨-bv-¡p th-| FÃmw sN-¿m³ kzmX-{´yw \ ÂIn.'' G-gv hÀ-jt¯mfw sF-tKäns\m-¸w tZ-h-Zm-kv D-|m-bn-cp¶p. ]n-¶o-Sv Ata-cn¡ B-Øm-\-am-bpÅ _-lp-cm-{ã am-t\-Pv-saâv B³-Uv sS-Iv-t\mf-Pn Øm-]-\am-b s_-b-dnw-Kv t]m-bvân-te-¡v amdn. H-cp hÀ-jt¯m-fw A-hn-sS Xp-SÀ¶p. ]n-¶o-Sv, 2005emWv kz-´am-sbm-cp kw-cw-`w tZ-h-Zm-kv B-cw-`n-¡p-¶-Xv. tImÀ-¸-tdäp-IÄ-¡v I¬-kÄ-«³-kn kÀ-ho-kv \Â-Ip¶ DTWO skm-eq-j³-kv F-¶ kw-cw-`-¯n-\v P-¸m-\n A-t±-lw Xp-S-¡-an-«p. ""I¬-kÄ-«³-kn Øm-]-\§Ä-¡p-Å {][m-\ shÃp-hnfn, A-Xn-

P-¸m-\n ÌmÀ«-¸v Xp-S§p-I A-{X e-fn-Xam-b Im-cyaÃ. F-´nepw ]qÀ-W-X tX-Sp-¶-h-cm-Wv P-¸m³-ImÀ. H-cp ÌmÀ«-¸v kw-cw-`-¯n-sâ B-Zy DÂ-¸¶¯nt\m A-hÀ {]m-cw-`-L-«-¯n \Â-Ip-¶ tk-h\¯n-t\m s]À-s^-£³ D-d¸m-¡m³ km[n-¡-W-sa-¶nÃ. ]-t£ P-¸m³ I-¼-\nIÄ A-¡m-cy-¯n H-cp hn-«p-ho-gv-N-bv¡pw X-¿m-dm-InÃ. Cu shÃp-hn-fn kvamÀ«vtUm-Ivkv G-sä-Sp-¯p. 2010 ]p-d-¯n-d §n-b DÂ-¸-¶-¯nsâ sa-¨s¸Sp¯n-b shÀ-j³ sXm-«-Sp-¯hÀ-jw X-s¶ Cd¡n. DÂ-¸-¶ \-ho-I-c-W-¯n\pw k-hn-ti jX-bv-¡pw sS-Iv\u-anIv-kv \ÂIn-b Du¶Â I-¼-\n-IÄ Xn-cn-¨-dnªp. C-¶v sSIv-\u-an-Iv-kn-sâbpw kvamÀ«v-tUmIvknsâ G-ähpw hen-b hn]-Wn P-¸m-\mWv.

m³

kwcw`Ibm{X ÌmÀ«¸pIÄ¡v thWw C¡mcy§Ä P-¸m-\n c-|v kw-cw-`§Ä Xp-S§n-b hy-àn-

bm-Wv tZ-h-Zmkv. H-cp U-k-t\mfw ÌmÀ-«-¸p-I-fn \n-t£-]w \-S-¯n-bn-«p-ap-|v. C¯-cw A-\p-`-h-§fp-sS ]-Ým-¯-e-¯n ÌmÀ«-¸v kw-cw`-I-tcm-Sv tZ-h-Zm-kn-\v ]-d-bm-\pÅ-Xv C-sXm-s¡-bmWv.

^-|v k-am-lc-Ww \n-Xy-{]-hr-¯n _n-kn-\-kn-te-¡v th-| ^-|v hÃ-t¸mgpw k-aml-cn-t¡-| H¶Ã. A-Xv \n-tXy-\-bp-Å {]-hÀ¯-\w X-s¶-bmWv. AXp-sIm-|v ^-|v k-am-l-c-W-¯n-\v F¶pw Du-¶Â \Â-IWw. H-cp _n-kn\-kv Bi-bw ÌmÀ«-¸v kw-cw-`-am-bn ]n¶oSv Hmtcm L-«hpw IS-¶v h-f-cp-t¼mgpw ^-|v A-Xym-h-iy-am-Wv. ^-|nÃm-sX kw-cw`-s¯ h-fÀ-¯m-\m-hnÃ. Rm³ {]m-cw-`-L-«¯n F-sâ kz-´w ]-Whpw kp-lr-¯p-¡-fn \n¶pw Ip-Spw-_mw-K-§-fn \n-¶p-Å ^-|p-am-Wv \nt£-]n-¨-Xv. DTWO Im-]v-sP-an-\n-¡v hnÂ-¸-\ \-S-¯n-bt¸mÄ e-`n-¨ Xp-Ibpw sS-Iv-\u-an-Iv-kn \n-t£-]n¨p. ]p-d-¯p-\n-¶p-Å \n-t£-]w C-t¸mÄ tX-Sp-¶p-|v.

ssh-Z-Kv[yw Xn-cn-¨-dnbpI kw-cw-`¯ - nsâ Hmtcm L-«¯ - nepw A-Xn-s\ ap-t¶m «- p \-bn-¡m³ hy-Xy-kvX - amb ssh-ZK - v[ - yw AY-hm kvI - n sk-äv thWw. H-cp B-ib-s¯ _n-kn\-kv B-¡m³ th|-Xv H-cp X-c¯ - n-ep-Å I-gn-hm-sW-¦n A-Xn-s\ h-fÀ-¯m³ th|-Xv a-säm-cp X-c¯ - n-ep-Å I-

sâ {]-hÀ¯-\w hn-]p-e-am-¡m³ h³-tXmXn lyq-a¬ dn-tkm-gv-kv th-Ww. Sow h-fÀ -¶m-te kw-cw-`-s¯bpw h-fÀ-¯m³ km-[n ¡q. ]-cn-[n I-S-¶p-Å h-fÀ-¨ shÃp-hn-fn X-s¶-bmWv. DTWO 100 t]-cpÅ So-am-bn h-fÀ-¶-tXm-sS kÀ-ho-kv cw-K-¯p-\n-¶v t{]m-U-Iv-äv cw-K-t¯-¡v I-S¶mtem F-¶ Nn-´ h¶p. A-§-s\-bm-Wv sS-Iv-\u-an-Ivkv B-cw-`n-¨Xv.'' DTWO hns\ ]n-¶o-Sv Im-]v-sP-an-\n- G-sä-Sp¯p.

H-cp s{]m-^-j-W-em-bn I-¼-\n-I-fn tPm-en sN-¿p-t¼mgpw I¬-kÄ-«âm-bn tkh-\w \Â-Ip-t¼mgpw BtKm-f Øm-]\-§-fnse I-|âv am-t\-Pv-saâv, _n-kn \-kv t{]mkkv Hm-t«m-taj³ cwK-s¯ Nne t]m-cm-bv-a-IÄ tZ-h-Zm-kv {i-²n¨ncp¶p. ""h³In-S I-¼-\n-I-fp-sS ]e tPm-en -Ifpw sXäp Iq-SmsX sN-¿m³ km-[n¡p-¶ Hm-t«m-ta-j³ ¹m-äv-t^mw hn-I-kn-

hfÀ-¨m-Imew

gn-hm-Ipw. 10 þ 100 Aw-K§ - f - p-Å So-an-s\ \-bn-¡m³ I-gnhp-Å kw-cw-`I-\v H-cp]-t£ B-bn-chpw ]-Xn-\m-bn-chpw t]À DÄ-s¸-Sp-¶ So-an-s\ \-bn-¨v kw-cw`-s¯ hn-Pb - ¯ - nse-¯n-¡m³ I-gn-bW - s - a-¶nÃ. kw-cw-`I - À A-Xv Xn-cn-¨dn-bW - w. AXn-\\ - p-kc - n-¨v So-an-s\ hmÀ-s¯-Sp-¡Ww.

 sN-dp-{]m-b-am-sW-¦nÂ

k-l Øm-]-IÀ \Ã-Xv

kw-cw-`-I-cp-sS {]m-bhpw ÌmÀ«-¸v cwK-¯v {]-[m-\am-Wv. 20þ30 h-b-kn-em-Wv kw-cw-`w Xp-S-§p-¶-sX-¦n k-l Øm-]I-sc I-s|-¯n Iq-sS Iq-«p¶-Xv \Ã-XmWv. Cu {]m-b-¯n _n-kn\-kv \-S-¯n-¸n-s\ Ip-dn¨p-Å FÃm-Im-cy-§fpw Ir-Xy-am-bn A-dn-b-W-sa-¶nÃ.

A-\p-`-h-k-¼¯pw Ip-d-hm-Ipw. F-¶m 40 h-b-kn-\v ti-j-am-Wv kw-cw-`-I-\m-Ip-¶-sX-¦n H-ä-bv-¡v Xp-S-§nbmepw Ip-g-¸-anÃ.

 sk-¡âp-IÄ sIm-|v

B-IÀ-j-I-am-bn I-Y ]-dbpI

{_m³-Uv _nÂ-Unw-Knepw ^-|v k-am-l-c-W-¯n-epw I-Y ]-d-¨n-en-\v G-sd {]m-[m-\y-ap|v. tIÄ-hn-¡mÀ-¡v C-t¸mÄ £-a Ip-d-hmWv. G-ähpw Ip-d-ª k-a-b-¯n\p-Ån G-ähpw B-IÀ-j-I-am-bn kz-´w _n-kn-\-kns\bpw B-i-b-s¯bpw A-h-X-cn-¸n-¡m³ km-[n-¡-Ww.

 Bi-bw {]-[m-\-amWv,

A-Xn-t\-¡mÄ {]-[m-\-am-Wv Sow

ÌmÀ«-¸v kw-cw-`§-sf kw-_-Ôn-¨n-S-t¯m-fw _nkn\-kv B-i-b-¯n-\v G-sd {]m-[m-\y-ap|v. ]-t£ A-Xn-t\-¡mÄ kp-{]-[m-\am-b Im-cy-am-Wv Sow. ^-|nwKv \-S-¯m³ X-¿m-dm-bn ap-t¶m-«p-h-cp-¶-hÀ BZyw t\m¡p-¶ L-S-I-§-fn H-¶m-WnXv. ]-d-bp-¶ Im-cy-§Ä {]-hr¯n-]-Y-¯n-se-¯n-¡m³ an-I-¨ Sow D-|m-bn-cn-¡pI. ]-²-Xn-I-Ä Ir-Xy-am-bn \-S-¸m-¡p-I. ÌmÀ«-¸v kw-cw`-IÀ-¡v h-f-cm-\p-Å h-gn-bn-XmWv.

""amä-§Ä C-t¸mÄ A-Xn-th-K-amWv. \-ap-¡v ZoÀ-LIm-e ¹m-\p-I-fp|m-¡mw. ]-t£ A-Sp¯ km-¼¯n-I ]m-Zw I-gn-s¨-Sp-¡m³ ]-än-bnsÃ-¦n F-´p-Im-cyw?

DÂ-¸-¶ \-ho-I-c-W -¯n-sâ {]m-[m\yw A-hn-sS-bmWv.''

¸n-s¨-Sp-¯m A-Xv G-sd D-]-Im-cs¸-Sp-sa-¶v tXm¶n.'' _n-kn\-kv Bibw h-¶ h-gn tZ-h-Zm-kv hy-à-am-¡p-¶p. _n-kn\-kp-I-fp-sS Un-Pn-ä {Sm³kvt^mÀ-ta-j³ km-[y-am-¡p-¶ _n-kn\-kv t{]mkkv Hm-t«m-ta-j³ B³-Uv I|âv am-t\-Pv-saâv kyq«m-b kv-amÀ«v-tUm-Ivkv A-§-s\-bm-Wv sS-Iv-\u-an-Iv-kv ]p-d-¯nd-¡n-bXv. FâÀ-ss{]kv Hm-t«m-taj³, I |âv am-t\-Pv-saâv, t{]mkkv Hm-t«mtaj³, BÀ-ss¡-hv skm-eq-j³-kv F-¶n§-s\ \m-ev L-S-I-§Ä DÄ-s¡mÅn-¨p-Å kvamÀ«v-tUm-Ivkv sl¯v, I¬-kv-{S£³, F-Uyp-t¡j³, am-\p^m-Iv-N-dnwKv, _m-¦nw-Kv Xp-S§n-b cw-Ks¯ I-¼-\n-IÄ C-t¸mÄ X-s¶ DÄs¡m-Ån-¨n-«p|v.

Iw-]yq-«À tkm-^v-ävsh-bÀ cwK-s¯ {]ap-J A-h-mÀ-UpIfpw Np-cp§n-b Im-ew sIm-|v kvamÀ«v-tUm-Iv-kns\ tX-Snsb¯n. P-¸m-\n-\v ]p-d-t¯-¡v hn-]-Wn bpw h-fÀ¶p. A-tXm-sS I-¼-\n-bpsS BØm-\w knw-K-¸q-cn-te-¡v amän. C³-tUm -t\jy, sIm-dn-b, C´y, tlm-t¦mwKv, anUn Cu-kv-äv F-¶n-hn-S-§-fn-te-¡v ]-Sn]-Sn-bm-bn kv-amÀ«v-tUm-Iv I-S-s¶¯n.

Gjy, an-Un Cu-kv-äv ta-J-e-bnse G-gv cm-Py-§-fn \n-e-hn kvamÀ«vtUm-Iv-kn\v D-]-t`m-àm-¡-fp-|v. sS-Iv\u-an-Iv-kn-sâ t{]m-U-Iv-äv sU-h-e-]vsaâv skâÀ sIm-¨n-bn-em-Wv. 60þ70 t]-c-S§p-¶ So-am-Wv I-¼-\n-¡p-ÅXv. ao-Unbw, emÀ-Pv kv-sI-bv I-¼-\n-I Ifm-Wv \n-e-hn Iq-Sp-X-em-bn kv-amÀ«vtUm-Iv-kn-sâ tkh-\w tX-Sn-bn-cn-¡p¶Xv. sF-.än cwK-s¯ am-ä-§-fp-sS C-S th-f {I-am-Xo-X-am-bn Ip-d-bp¶-Xv X-s¶bmWv Cu cwK-s¯ km-[y-Xbpw shÃphn-fn-bp-sa-¶v tZ-h-Zm-kv ]-d-bp-¶p. ""hÀ-j§Ä-¡p ap-¼v H-cp Z-i-I-¯n- F-t¸mtgm B-bn-cp-¶p am-ä§Ä. F-¶m- C-t¸mÄ 2þ3 hÀ-j-§Ä-¡p-Ån am-ä-§Ä A-ct§-dp¶p. \-ap-¡v ZoÀ-LIm-e ¹m-\p-I-fp|m-¡mw. ]-t£ A-Sp-¯ km-¼¯n-I ]m-Zw I-gn-s¨-Sp-¡m³ ]-än-bn-sÃ-¦n F-´p-Im-cyw? DÂ-¸-¶ \-ho-I-c-W-¯nsâ {]m-[m\yw A-hn-sS-bmWv,'' tZ-h-Zm-kv \n-co-£n-¡p-¶p.

A-Sp-¯ aq-¶v \m-ev hÀ-j-§Ä-¡pÅn sS-Iv-\u-an-Iv-kn-s\ 20 an-ey¬ tUm-fdn-te-sd h-ep-¸-apÅ I-¼-\n-bm-¡p-I-bmWv tZ-h-Zm-kn-sâ e-£yw. sS-Iv-\u-an-Iv-kn\v ]p-d-ta 12 Hm-fw kv-ämÀ«-¸v I-¼-\n-I-fn C-t±-lw \n-t£-]w \-S-¯n-bn-«p|v.

hnP-b-c-lkyw Sn-kn-F-kpw sF-tK-äp-am-Wv X-sâ kwcw-`-I hn-P-b-¯n-\p ]n-¶n \nÀWm-b kzm-[o-\w sN-ep-¯n-b-sX-¶v tZ-h-Zm-kv A-`n-{]m-b-s¸-Sp¶p. ""Sn-kn-F-kv B-Wv F-s¶ _n-kn\-kv aq-ey-§Ä ]Tn-¸n-¨Xv. am-t\-Pv-saâv ssh-Z-Kv[yw ]-IÀ-t¶-InbXv sF-tK-äpw. Sm-ä-bp-sS aq-ey-§Ä a-l-¯-cam-Wv. km-l-N-cy-§Ä F-{X-am{Xw tam-iam-bmepw Sn-knF-kv H-cn-¡-epw A-h-cp-sS I-kv-ä-ta-gv-kn-s\ ssI-sh-Sn-bnÃ. am-{X aÃ, hm-Kv-Zm-\-§Ä \n-d-th-äm³ GX-äw hscbpw t]m-Ipw. t{]m-U-Iv-äv sU-h-e-]v-sa ân-sâbpw _n-kn\-kv sU-h-e-]v-saân-sâ bpw B-g-§Ä A-dnªXv sF-tKän-s\m¸w {]-hÀ-¯n-¡p-t¼m-gmWv,'' tZ-h-Zm-kv ]-d-bp¶p.

23 hÀ-jw P-¸m-\n h-kn-¨ tZ-h-Zm-kv I-gn-ª G-gv hÀj-ambn tlm-t¦m-wKn-em-Wv Xm-akw. `m-cy kp-\n-X. P-¸m-\n A-[ym-]nI-bm-bn-cp-¶p.

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

17

t^m¡kv FOCUS

hnZym`ymk cwK¯v

hyXykvXXbneqsS t\SnsbSp¯ hnPbw FUypsSIv cwK¯v ]p¯³ NpSpsh¸pambn Hcp thdn« kwcw`I³

hn

Zym`ymk cw-K-¯v hy-Xy-kv-X-am-b kw-cw`w Xp-S-§p-I F-¶-Xv C-¶-s¯ Im-e-¯v G-sd sh-Ãp-hn-fn-bm-Wv. Im-c-Ww, tI-c-f¯n-sâ F-Ãm {]-[m-\ \-K-c-§-fn-epw ]-cn-io-e-\ tI-{µ-§-fpw hn-tZ-i hn-Zym-`ym-k Øm-]-\-§-fpw A-{X-ta k-Po-h-am-Wn-¶v. F-¶m hn-Zym-`ym-k ta-J-e-bn-se Cu a-Õ-c-§Ä-¡n-S-bn-epw Xn-I-¨pw hy-Xy-kv-X-am-b tk-h-\-§Ä \Â-In {i-² t\-SpI-bm-Wv t¥m-_ A-¡m-Z-an-bpw A-Xn-sâ km-cYn-bm-b cm-tP-jv ]p-¯³-]p-c-bn-epw. hnZqc hn-Zym`ym-k-¯n am-{Xw {i-²-bq-¶m-sX B-`y-´-c hnZym-`ym-k cw-K-¯v an-I-¨ tIm-sf-Pp-IÄ I-s|-¯n C-hn-Sp-s¯ hn-ZymÀ-°n-IÄ-¡v A-h-k-c-§-sfm-cp¡p-I-bm-Wv t¥m-_ A-¡m-Z-an-bn-eq-sS cm-tP-jv ]p-¯³-]p-c-bnÂ. hnZqc hn-Zym-`ym-kw, Hm-sse³ tIm-¨nw-Kv tk-h-\-§Ä, hn-Zym-`ym-k-cw-Ks¯ I¬-kÄ-«³-kn kÀ-ho-k-kv F-¶n-h-sb-Ãmw H-cp Ip-S-¡o-gn H-¶n-¨n-cn-¡p-¶p F-¶-Xm-Wv t¥m-_ A-¡m-Z-an-sb hy-Xy-kv-X-am-¡p-¶-Xv. hnZym-`ym-k cw-K-s¯ hn-hn-[ tk-h-\-§Ä hn-ZymÀ°n-IÄ-¡v G-ä-hpw D-]-Im-c-{]-Z-hpw ku-I-cy-{]-Zhp-am-¡p-I F-¶-Xm-Wv cm-tP-jv e-£y-an-Sp-¶-Xv.

ssI¿£cw ]dbp¶Xv t¥m-

_ A-¡m-Z-an-bp-sS Io-gn-ep-Å lm³-Uvssd-änw-Kv tIm-gv-kv C-´y-bn-em-I-am-\w hym-]n-¸n-¡m\p-Å {i-a-¯n-em-Wv cm-tP-jv. bp.F-kv B-Øm-\-ambp-Å {Km-t^m A-\m-en-kn-kv skm-ssk-än-bp-am-bn tNÀ-¶v lm³-Uv ssd-änw-Kn-eq-sS Ip-«n-I-fp-sS I-cn-bÀ A-`n-cp-Nn, hy-àn-Xz hn-I-k-\w, I-gn-hp-I-sf h-fÀ¯Â F-¶n-h-sb-Ãmw km-[y-am-¡n-bn-cn-¡p-I-bm-Wv t¥m-_ A-¡m-Z-an. tI-c-f-¯n X-s¶ C-¯-cw tk-h-\-§Ä \Â-Ip-¶-hÀ Ip-d-hm-Wv.

]m-j-s\ ]n-´p-SÀ-¶v _n-kn-\-kv ]Ým-¯-e-¯n \n-¶p-Å Ip-Spw_-¯n \n-¶-à cm-tP-jv kw-cw-`-I-Xz-¯n-te-¡nd-§n-b-Xv. "F-d-Wm-Ip-fw BÂ-_À-«v-kv tIm-sfPn \n-¶v t_m-«-Wn-bn _n-cp-Zw t\-Sn-bXn-\pti-jw A-f-K-¸ bq-Wn-th-gv-kn-än-bn \n-¶pw am-kv I-ayq-Wn-t¡-j³ B³-Uv tP-W-en-k-¯nÂ

F-Ãm-hn-[ a-Õ-c ]-co-£-I-fp-sS-bpw A-sk-kv-saâv sS-Ìp-IÄ t¥m-_ A-¡m-Z-anbp-sS B-¹n-t¡-j-\n e-`y-am-Wv _n-cp-Zm-\-´-c _n-cp-Z-hpw- Fw-Pn bq-Wn-th-gv-kn-änbn \n-¶v tkm-tjym-f-Pn-bn _n-cp-Zm-\-´-c _n-cp-Z-hpw t\-Sn. ]T-\-ti-jw 17 hÀ-jw ap-¼m-Wv kw-cw-`w F-¶ B-i-bw X-e-bn-ep-Zn-¨-Xv.' cm-tP-jv ]-d-bp-¶p.

Xp-S-¡w hn-Zq-c hn-Zym-`ym-k-¯n kv-IqÄ hn-ZymÀ-°n-IÄ-¡p-Å hn-Zym-`ym-k tkh-\-§-fn-eq-sS 2003 em-bn-cp-¶p cm-tP-jn-sâ kw-cw`-I bm-{X-bp-sS Xp-S-¡w. A-©p h-b-kp ap-X 17 h-b-kv h-sc-bp-Å-hÀ-¡m-bp-Å lm³-Uv ssd-änw-Kv tIm-gv-kp-IÄ, ]n-¶o-Sv A-_m-¡-kv, th-Zn-Iv am-¯am-än-I-vkv Xp-S-§n-b tIm-gv-kp-IÄ \Â-Ip-¶ Øm-]-\-am-bn F-d-Wm-Ipfw I-eq-cn B-cw-

cm-tP-jv ]p-¯³]p-c-bnÂ

`n-¨p. ]n-¶o-Sm-bn-cp-¶p hn-Zq-c hn-Zym`ym-kw F-¶ ta-J-e-bn-te-¡p-Å Np-h-Sp-sh-¸v. So-t¨-gv-kv s{S-bv-\nw-Kv tImgv-kv, H-cp am-kw ap-X H-cp hÀ-jw h-sc-bp-Å Iw-]yq-«À tIm-gv-kp-IÄ F-¶nh-bm-Wv 2005 ap-X 2010 h-sc Øm-]\w \Â-In-b-Xv. 2010 ap-X tI-c-f-¯n-\v ]p-d-¯v Z-£n-tW-´y-bn-se F-Ãm kwØm-\-§-fn-te-¡pw Øm-]-\-¯n-sâ tk-h-\-§Ä hym-]n-¸n-¨p. C-¶v sk¡³-U-dn ap-X _n-cp-Zm-\-´-c _n-cp-Zw h-sc F-Ãm tIm-gv-kp-I-fpw tI-c-f-¯n-\p ]p-d-sa IÀ-Wm-S-I, B-{Ô{]-tZ-iv, X-an-gv\m-Sv, D-¯À{]-tZ-iv, cm-P-Øm-³, a-lmcm-{ã Xp-S-§n C-´y-bn-se ]-t¯m-fw kw-Øm-\-§-fn-ep-Å hn-hn-[ kÀ-h-Iem-im-e-I-fp-am-bn tNÀ-¶psIm-|v t¥m_ A-¡m-Z-an \Â-In h-cp-¶p.

F-Uyq-sS-Iv cw-Ks¯ \q-X-\m-ibw X-s¶-bm-Wv cm-tP-jv C-¯c¯n hn-Ikn¸n-s¨-Sp-¯ Hm¬sse³ ]-co£-IÄ-¡mbp-Å B-¹n-t¡j³. D-] tbm-àm¡Ä¡v ku-P-\yambn B-¸v \Â-In A-h-cp-sS A-`n{]m-b-§Ä DÄs¡mÅn¨m-Wv Cu B-¸n-\v A-´n-a cq-]w \Â-In-bn-cn¡p-¶-Xv. tI-c-f-¯n A-à Z-£ntW´y-bn X-s¶ F-Uyp -sS-Iv cw-K-¯v C-{X-am{Xw kpk-Ö-am-b sam-_o B-¸n-sÃ-¶p X-s¶ ]-dbmw, sF-FF-kv tIm-¨nw-Kv cw-K-¯-S-¡w ho-«nen-cp-¶v ]Tn¡m-\p-Å an-I-¨-Xpw e-fn-Xhp-amb kw-hn-[m-\ -am-Wv Cu- B-¸v H-cp-¡p-¶-Xv'' cm-tP-jv hn-i-Z-am¡n. kw-Øm-\-¯v ]-ehn[ a-Õ-c ]-co-£-IÄ-¡pw k-Ö-cm-¡m³ ]-cn-io-e-\ tI-{µ -§-fpw \n-c-h-[n-bp-|v. F-¶m D-bÀ-¶ ^o-kpw ¢m-kv ssS-anw-Kp-sa-Ãmw F-Ãm-hÀ-¡pw kzo-Im -cy-am-I-W-sa¶p-an-Ã. Cu km-l-N-cy¯n-em-Wv a-Õ-c-]-co-£-IÄ-¡v k-Ö-cm¡m³ D-X-Ip-¶ sam-_o B-¹nt¡-j³ hn-I-kn-¸n-s¨-Sp-¯sX¶v cm-tP-jv hy-à-am-¡p-¶p. ""H-cp Zn-hk¯n ho-WpIn-«p-¶ Hgn-hp-th-f-bn-tem bm-{X sN-¿p-¶ A-h-k-c¯n-tem cm-{Xn ssh-In-tbm A-Xn-cm-hn -se-tbm F-t¸mÄ th-W-sa-¦n-epw BÀ-¡pw ]-co£-IÄ-¡m-bn X-¿m-sd-Sp-¡mw. A-Xm-Wv Cu B¸n-sâ H-cp k-hn-ti-j-X'' cm-tP-jv ]-d-bp-¶p.

tk-h-\-§Ä H-¶p ap-X ]-¯p-h-sc-bp-Å tÌ-äv kn-e-_-kv, kn-_n-F-kvkn hn-ZymÀ-°n-IÄ-¡p-Å ku-P-\y C-hm-ep-th-j³ sS-Ìp-IÄ, s\-äv, sk-äv, CAT, tK-äv Xp-S-§n F-Ãm-hn-[ a-Õ-c ]-co-£-I-fp-sS-bpw Ask-kv-saâv sS-Ìp-IÄ t¥m-_ A-¡m-Z-an-bp-sS B-¹n-t¡-j-\n e-`y-am-Wv. tam-|n-tkm-dn, Sn-Snkn, {]o ss{]-a-dn So-t¨-gv-kv s{S-bv-\nw-Kv tIm-gv-kv, Un-t¹m-a C³ F-Uyq-t¡-j³ (Un-F-Uv) F-¶nh-sb-Ãmw tem-I-¯n-sâ G-Xv tIm-Wn-en-cp-¶pw Hm¬-sse-\m-bn ]Tn-¡m-\pw Aw-Ko-Im-cw t\-Sm\p-Å tk-h-\-§-fpw cm-tP-jv ]p-¯³ ]p-c-bn hn-I-kn-¸n-s¨-Sp-¯n-cn-¡p-¶p. ]n-F-kvkn, bp-]nF-kvkn, a-äp kw-Øm\§-fn-se ]n-F-kv kn, sd-bvÂ-th, _m-¦v F-¶n§-s\ G-Xv kv-{So-an-ep-ap-Å a-Õ-c ]-co-£IÄ-¡pw Hm¬-sse-\n-eq-sS ]-cn-io-e-\w t\Smw. kz-bw aq-ey \nÀ-W-b-hpw \-S-¯mw. sa-Un¡Â, F³-Pn-\o-b-dnw-Kv, ]m-c-sa-Un-¡Â, F³-Pn\o-b-dnw-Kv, tem F-¶o tIm-gv-kp-IÄ-¡m-h-iy-am-b I¬-kÄ-«nw-Kv tk-h-\-§-fpw t¥m-_ A-¡m-Z-anbp-sS Io-gn k-Ö-am-Wv. sIm-¨n Iq-Sm-sX _w-K-eqcp, Zp-_mbv F-¶nhn-S-§-fnepw t¥m-_ A-¡m-Zan¡v Hm-^o-kpI-fp|v. tPm-en-s¡m-¸w ]T-\w km-[y-am-¡p-¶ Hm¬-sse³ tk-h-\-§Ä Izm-fn-än-tbm-sS A-hX-cn-¸n-¡m-\m-Wv cm-tP-jv e-£yan-Sp-¶-Xv. A-Xn\m X-s¶ tI-c-f¯n\p ]pdsa X-an-gv-\mSv, IÀWmS-I, B-{Ô-{]tZ-iv F-¶n-hn-S-§-fn t¥m_ A-¡m-Z-an-bp-sS {^m-ss©-kn-I-fpw hym-]n¸n-¡m-\p-Å {]-hÀ-¯-\-§Ä k-Po-h-am-¡p-IbmWv. hn-Zym-`ym-k cwK-s¯ tk-h-\-§Ä-¡m-bpÅ tSmÄ {^o \¼À: 1800 123 2893 [\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

19

kwcw`IXzw

ENTREPRENEURSHIP

_nkn\kv

+

]mT§Ä

UnPnä amÀ¡änwKn F.BÀ cRvPnXv

{i²nt¡ï 5 D IÄ

D]t`m-àm¡-sf kzm-[o-\n-¡m-\pw _n-kn-\-kn ap-t¶-dm\pw i-cnbm-b Un-Pn-ä ¹m-\p-IÄ k-lm-bn¡pw

G

-sXm-cp _n-kn-\-kn-se-bpw hn-]-W-\ km-[y-X-I-fn Un-Pn-ä amÀ-¡-änwKn-sâ {]m-[m-\yw a-\-kn-em-¡m³, i-cn-bm-b B-kq-{X-Ww A-Xym-h-iy-am-Wv. sh-_v-sskäv A-sÃ-¦n C-sa-bv-en-t\-¡mÄ D-]-cn-bm-bn \n-c-h-[n X-c-¯n-ep-Å C-S-s]-S-ep-IÄ C-¶v Un-Pn-ä amÀ-¡-änw-Kv cw-K-¯p-|v ... D-]-t`màm-¡Ä-¡v {_m³-Up-I-fp-am-bn kw-h-Zn-¡m\p-Å A-h-k-c-§-fpw _n-kn-\-kp-IÄ-¡v A-h-cp-sS D-]-t`m-àm-¡-fn-te-¡v hy-Xykv-X co-Xn-I-fn F-¯n-t¨-cm-\pw ]Tn-¡m -\p-ap-Å A-h-k-c-§-sf 5DI-fm-bn ]-d-bmw.

Pn-ä D-]-I-c-W-§Ä 1 UnC-¶v- B-fp-IÄ Un-Pn-ä tem-I-hp-am-bn

_-Ô-s¸-Sp-¶-Xv ]-e X-c-¯n-ep-Å D-]-I-cW-§-fn-eq-sS-bm-Wv. C-¯-cw D-]-I-c-W-§fn-eq-sS F-Ãmw X-s¶ \-½p-sS _n-kn-\-kv hn-h-c-§-fpw e-`y-am-¡m³ km-[n-¡-Ww. A-Xv kv-amÀ-«v t^m-Wp-IÄ B-Imw, Iw]yq-« -dp-IÄ, em-]v-tSm-¸p-IÄ, Sm_v seäpIÄ, Sn.hn, sK-bnw I¬-tkm-fp-IÄ A-§-s\ F-´p-am-Imw. sh-_v-ssk-äp-IÄ, a-äv Un-Pn -ä {]-tam-j-\p-IÄ F-¶n-h D-|m-¡p-

t¼mÄ Cu Hm-tcm D-]-I-c-W-§-fn-epw \-à co-Xn-bn Im-Wm³ km-[n-¡p-¶ co-Xn-bn X-s¶ Un-ssk³ sN-¿m³ I-gn-b-Ww.

2 Un-Pn-ä ¹m-äv-t^m-ap-IÄ ]-e X-c-¯n-ep-Å Un-Pn-ä ¹m-äv-t^m-apIÄ C-¶v- e-`y-am-Wv. D-Zm-l-c-W-¯n-\v, s^bv-kv-_p-¡v, Szn-äÀ, en-¦v-Uv C³, bq-Syq-_v, KqKnÄ, C³-Ìm-{Kmw, SnIv tSmIv F-¶n-§-s\...

Hm-tcm ¹m-äv-t^m-ap-I-fpw Hm-tcm B-hiy-¯n-\v D-Å-Xm-Wv. hy-Xy-kv-X X-c-¯n-epÅ B-fp-I-fm-Wv Hm-tcm Ø-e-¯pw. A-Xn\-\p-k-cn-¨v th-Ww Hm-tcm-¶n-te-¡p-ap-Å ¹m-\p-IÄ hn-I-kn-¸n-s¨-Sp-¡m³.

3 Un-Pn-ä ao-Un-b AUzÀ-ssS-knwKv, {]-tam-j³-kv, C-sabvÂ, sa-tk-Pnw-Kv, t»m-Kv-, ssa-t{Im I-|âv amÀ-¡-änwKvv, skÀ-¨v F-³Pn³ H-]v-än-ssatk-j³ F-¶n-§-s\ ]-e X-c-¯n-ep-Å

20

s^{_phcn 15, 2020

I-ayq-Wn-t¡-j³ Nm-\-ep-IÄ C-¶v- \n-ehn-ep-|v. C-Xv Hm-tcm-¶pw F-Sp-¯v \-½p-sS D-¸¶-¯n-\v G-Xm-Wv G-ä-hpw tbm-Pn-¡p¶-Xv F-¶v- I-s|-¯p-I F-¶-Xv h-f-sc {]-[m-\-am-Wv. C-Xv _p-²n-]-c-am-bn D-]-tbmKn-¨m dn-kÄ-«v H-mdn-bâ-Uv B-b H-cp UnPn-ä kv-{Sm-ä-Pn D-|m-¡n-sb-Sp-¡mw.

4 Un-Pn-ä Um-ä C-¶v- _n-kn-\-kp-I-fp-sS-sb-Ãmw G-ä-hpw {]-[m-\ aq-eyw A-h-cp-sS Um-ä B-Wv. _nkn-\-kv G-Xv co-Xn-bn-ep-Å B-fp-IÄ C-ãs¸-Sp-¶p, B-sc-Ãm-am-bn kw-h-Zn-¡p-¶p, F-s´-Ãmw Im-cy-§Ä B-Wv I-Ì-ta-gv-kv C-ã-s¸-Sp-¶-Xv F-¶n-h-sb-Ãmw a-\-kn-em¡p-¶-Xv i-cn-bm-b Um-ä A-\m-en-kn-kneq-sS am-{X-am-Wv. A-Xn-\m \n-§-fp-sS _n-kn-\-kv F-´p-am-bn-s¡m-Å-s« amÀ-¡-äns\¡ppdn-¨pw \n-§-fp-sS I-Ì-ta-gv-kn-s\ Ipdn-¨pw i-cn-bm-bn a-\-kn-em-¡m³ Um-ä A-\en-än-I-vkv D-]-tbm-Kn-¡p-I.

5 Un-Pn-ä sS-Iv-t\m-f-Pn am-dn am-dn h-cp-¶ sSIv-t\m-f-Pn i-cn-bm-bn D-] -tbm-Kn-¡p-I F-¶-Xpw {]-[m-\-am-Wv. sF.H.Sn, t»m-¡v-sN-bv³, BÀ-«n^n-jy Câ-en-P³-kv t]m-se-bp-Å ]p-Xn-b coXn-IÄ Un-Pn-ä hn-¹-h§Ä X-s¶ kr-ãn-¡p-¶ Cu Im-e-¯v ]-g-b co-XnI-fn X-s¶ t]m-bn-«v {]-tbm-P-\w D-|m-In-Ã. \½psS Hm-tcm S-¨v t]m-b ân-epw ]p-Xn-b sS-Iv-t\mf-Pn D-]-tbm-Kn-¡m³ km[n-¡p-¶p F-¶v- D-d-¸p h-cp-¯p-I Iq-Sn sN-bv-XmÂ, C-¶-s¯ UnPn-ä tem-I-s¯ hym-]m-cw \-ap-¡v \n-b{´n-¡m-\m-Ipw. i-cn-bm-b H-cp Un-Pn-ä amÀ-¡-änwKv ¹m³ B-Zy-ta D-|m-t¡-|-Xv A-Xym-h-iyam-Wv. B ¹m-\n Cu ]-d-ªn-cn-¡p-¶ A©v Im-cy-§-fpw A-Xn-\-I-¯v h-cm³ km-[y-X-bp-Å Hm-tcm LSIhpw {i-²n¡p-I. X-§-fp-sS D-]-t`m-àm-¡Ä X-§-sf {i-²n-¡p-¶p-s|-¶pw A-hÀ hn-«pt]m-Ip¶n-sÃ-¶pw D-d-¸p h-cp-¯p-I. sN-dn-b _n-kn\-kp-I-fn C-Xv ]-Sn-]-Sn-bm-bn sN-t¿|-Xm-Wv. ]-s£ B-Zy-]-Sn-sb-¦nepw s]s«-¶v- X-s¶ sh-bv-¡m³ {i-an-¡p-I! (teJI³ {_½ teWnwKv skmeyqj³knsâ kn.C.Hbpw, 400e[nIw I¼\nIsf hnPb ]mXbn F¯n¡m³ klmbn¨ amt\Pvsaâv I¬kÄ«âpamWv. kwib§Ä ranjith@ bramma.in F¶ sabven Abbv¡mw)

[\w hyh-kmb hmWnPy ssZzhm-cnI

tImÀ¸tdäv s]cp´¨³amÀ! tIm

À-¸-td-äv X-e-h³-amÀ ]-et¸mgpw s]-cp-´-¨³-am-sc t]m-se-bmWv s]-cp-am-dpI. s]-cp-´¨-s\ A-dnbntÃ? inÂ-¸-I-e-bn aI³ X-t¶-¡mÄ h-fÀ-¶-t¸mÄ A-Xw-Ko-Icn-¡m-\m-ImsX aI-sâ Po-h-s\-Sp-¯ s]-cp-´¨³!

C¶-s¯ tImÀ-¸-td-äv tem-I¯nepw ImWmw \n-ch-[n s]-cp-´-¨³-amsc. jmPn hÀKokv X-sâ I-gn-hp-IÄ A-Sp-¯ X-e-ap-d-bn-epÅ-hÀ-¡v ssI-am-dm³ hnap-J-X Im-Wn¡p-¶, kz-´w ssI-¿n X-s¶ A-[nIm-chpw sN-t¦mepw \nÂ-¡-W-sa-¶m-{K-ln-¡p-¶ _n-kn-\-kpImÀ. Ip-Spw-_§-fnepw sN-dpIn-S -CS-¯cw _n-kn-\-kp-I-fnepw XpS-§n h³ tImÀ-¸-td-äp-I-fn t]mepw C-Xp Im-Wm-\m-Ipw. X-\n-¡p ti-jw {]-f-b-sa-¶p hn-Nm-cn-¡p-¶ C-¡q-«À Xm³ hf-sc I-ã-s¸-«p-|m¡n-b X-sâ km-{amPyw X-\n-¡p ti-jw sam-¯w \-in-¨p t]m-Ip-sa-¶v hn-Nm-cn-¡p¶p. b-YmÀ-°-¯n F{Xtbm alm-c-Y-·mÀ C-Xn\Iw a-®-Sn-ªp t]m-bn-cn-¡p¶p.

F-¶n«pw tem-Iw ]-gb t]mse-tbm A-Xnepw sa-¨amtbm ap-t¶m-«p s]m-bv-s¡m-|n-cn-¡p¶p.

hfc-s« \-ap-¡v ti-jhpw!

C-hn-sS kzo-I-cn-¡m-hp-¶ H-cp X-Xzam-Wv "kÀ-ho-kv F_uhv skÂ-^v'. A-Xmb-Xv \-ap-¡v ti-jhpw tem-Iw h-f-c-W-sa-¶mbn-cn-¡Ww FÃm a-\p-jy-cp-tSbpw B-{Klw. H-cp a-css¯ \-Sp ¶-Xp t]m-se-bm-W-Xv. \-S-p-¶-hÀ-¡v Nn-e-t¸mÄ A-Xn-sâ ^-ew A-\p-`-hn-¡m³ km-[n-s¨-¶p h-cnÃ. ]t£, A-Sp-¯ X-e-ap-d-bv¡v A-Xv D-d-¸mbpw Bkz-Zn-¡m-\m-Ipw. Im-ew IS-¶p t]mIp-t´mdpw C-Xv hf -sc hy-à-amIpw. ]p Xn-b B-i-b-§Ä, ]pXnb Nn-´IÄ, ]pXn-b km- t ¦- X n- I - h n- Z y- I Ä F-¶n-h-sbm-s¡-bm-bn A-Sp-¯ X-eap-d I-mcy-§Ä G-sä-Sp-¯p Xp-S-§pw. A-t¸mÄ Chn-sS _p-²n-]-cam-b \o¡-sa-¶p ]-d-bp¶-Xv ASp-¯ X-e-ap-d-bv-¡v \sÃm-cp ¹mäv-t^mw Xpd -¶p sIm-Sp-¡p-Ibpw Ah-cp-sS B-i-b-§fpw \-ho-\am-b sSIvt\m-f-Pnbpw D-]-tbm-Kn-¨v -I-¼-\n-sb A-Sp-¯ Xe¯n-te-¡v h-fÀ-¯m³ A-\p-h-Zn-¡p-I-bpamWv. {]-Xo-£-bv¡pw A-¸pdap-Å t\-«-am-bn-cn¡pw C-Xp-|m-¡p-I. \n-e-hn-se hn]-Wn km-l-N-cy-§Ä-¡-\p-k-cn-¨v \à B-i-b-§-fp-am-bn h-cm-\p-Å km-l-N-cy-am-Wv ]gb X-eap-d H-cp¡n-sIm-Sp-t¡-|Xv. A-h-cpsS I-gn-hp-I-tfbpw B-{K-l-§-tf-bp A-Sn-¨-aÀ-¯p¶-Xv A-h-cnep-Å Aán XÃn-s¡-Sp-¯p-¶-Xn\p Xp-ey-am-Wv. ]-e-t¸mgpw _n-kn-\-kp-I-fn Im-Wp¶-Xv t\-Xr-Xz Øm-\ -¯n-cn-¡p-¶-hÀ {]-hÀ-¯-\-§Ä \-S-¯p-Ibpw ]pXn-b P-\-tdj³ Ah-sc ]n-´p-S-cp-Ibpw sN-¿p-¶-Xm-bmWv. {]m-bm-[nIyw _m-[n-¨mepw A-kp-J-§Ä h-¶mepw {]-hÀ¯\ \n-b-{´-Ww hn«p-sIm-Sp-¡nÃ. ]pXn-b X-eap-dbmIs« X-e-t¨m-dnÃm-¯ sh dpw D¯c-hp-IÄ \-S-¸m-¡p¶ B-fp-I-fm-bn am-dpw. A-hkm-\ L-«w h-scbpw ]n-´p-SÀ-¨-sb Ip-dnt¨m A-[nImc ssI-amäs¯ Ip-dnt¨m Xo-cp-am-\-sa-Sp-¡m-sX ap-t¶m-«p t]m-Ipw. Ah-km-\w A-Sp-¯ P-\-td-j-\n-te-¡v Im-cy-§Ä F-¯p-t¼mÄ a-Õc-s¯ A-Xn-Po-hn-¡m-\m-Im-sX ]pXn-b X-eap-d X-fÀ-¶p t]m-bn-«p-|m-Ipw. A-h-cp-sS B-th-ihpw DuÀ-Phpw \-ã-s¸SpIbpw sN¿pw. I-¼-\n-bm-sW-¦n sSIv-t\m-f-Pn-bnepw hn-]Wn-bnepw H-cp ]m-Sp ]n-¶n-em-hp-Ibpw FXn-cm-fnIÄ hn]-Wn ]n-Sn-¨-S-¡p-Ibpw sN-¿pw.

(NmÀt«Uv A¡u|âpw amt\Pvsaâv I¬kÄ«âpamWv teJI³.

Email:shaji@svc.ind.in, 9847044030)

21 \h kw`cw`IÀ¡p hgnIm«n

kwcw-`-IXzw

ENTREPRENEURSHIP

hnt\mZk©mc taJebn Ahkc§Ä Xpd¶n«v

{SmhÂkvt]mIv

2025Hm-sS {Sm-h C³-U-kv-{Sn-bn 10 e-£w ]p-Xn-b sXm-gn-e-h-k-c-§Ä kr-ãn-¡m\p-Å A-h-k-c-am-Wv {Sm-hÂkv-t]m-Iv H-cp-¡p¶Xv

hn-

t\m-Z-k-©m-c ta-J-e-bn \q-X-\-am-sbm-cp Bi-b-w {]m-hÀ-¯n-I-am-¡n-s¡m-|v ap-t¶-dp-I-bm-Wv Xn-cp-h-\-´-]p-c-s¯ sS-Iv-t\m-]mÀ-¡n-ep-Å ÌmÀ-«-]v kw-cw-`-am-b {Sm--hÂ-kv-t]m-Iv. hn-t\m-Z-k-©m-cn-I-sfbpw {Sm-h G-Pâp-am-sc-bpw ]-c-kv-]-cw Iq-«n-tbm-Pn¸n-¡p-¶- Hm¬-sse³ ¹m-äv-t^m-am-WnXv."k-©m-cn-I-Ä-¡v G-ä-hpw an-I-¨ bm-{Xm-\p-`-hw \Â-Ip-I-sb-¶-Xm-Wv R-§-fp-sS e-£yw' {Sm-hÂkv-t]m-¡n-sâ Øm-]-I-\pw kn-C-H-bp-am-b tUm. Ir-jv-W-Ip-amÀ Sn.sF ]-d-ªp. Hcp aÄ-«n \m-j-W I-¼-\n-bn {]-hÀ-¯n-¡pt¼mÄ Hu-tZym-Kn-I bm-{Xbn t\-cn-« {]-iv-\-§-fm-Wv {Sm-hÂ-kv-t]m-¡n-sâ cq-]o-I-c-W-¯n-te-¡v Ir-jv-W-Ip-am-dn-s\ \-bn-¨-Xv. {Sm-h ]m-t¡-Pp-IÄ _p-¡v sN-¿m\pw hn-hn-[ {Sm-h G-Pâp-am-cp-sS \n-c-¡p-IÄ I-s|-¯n A-h Xm-c-X-ayw sN-¿m-\pw I-gn-bp-sa-¶-Xm-Wv {Sm-hÂ-kvt]m-¡n-sâ B-IÀ-j-Wo-b-X. D-]-t`m-àm-hn-sâ B-h-iym-\p-k-c-W-ap-Å SqÀ ]m-t¡-Pp-IÄ C-Xn-eq-sS cq-]-s¸-Sp-¯m-w. tZ-io-b A-´À-tZ-io-b ^v-ssf-äp-I-Ä Ip-d-ª \n-c-¡n _p¡v sN-¿m-\pw Iq-Sm-sX tlm-«-ep-IÄ, dn-tkmÀ-«p-IÄ F-¶n-h an-I-¨ \n-c-¡n _p-¡v sN-¿m-\pw C-Xn-eqsS km-[n-¡pw. ^m-an-en ]m-t¡-Pv, {Kq-¸v {Sn-¸v, A-Uz©À {Sn-¸v Xp-S-§n-b hy-Xy-kv-X X-cw ]m-t¡-Pp-Ifpw {Sm-hÂ-kv-t]m-Iv e-`y-am-¡n-bn-«p-|v. t]-¸À-se-kv {Sm-h F-¶ e-£y-t¯msS bm-{Xm kw-_-Ô-am-b F-Ãm tc-J-I-fpw e-`y-am-¡p-¶ sam-_o B¸pw

D-S³ ]-pd-¯n-d-¡pw. k-©m-cn-I-fp-sS kp-c-£n-X-Xzw D-d-¸m-¡p-¶-Xn-\p-Å {]-tXy-I \-S-]-Sn-I-fpw C-hÀ kzo-I-cn-¨n-«p-|v.

2019 P-\p-h-cn-bn-em-Wv {Sm-hÂ-kv-t]m-Iv Xp-S-§n-bXv. BÀ-«n-^n-jÂ-- Câ-en-P³kv D-]-tbm-Kn-¨v {]-hÀ¯-n-¡p-¶-Xn-\m D-]-t`m-àm-¡-fp-sS skÀ-¨n-\v A-\p-k-cn¨p-Å ]m-t¡-Pp-IÄ Iq-Sp-X-em-bn A-hÀ-¡v ap-¶n-se-¯p-¶p.

tImÀ-¸-td-äp-IÄ-¡m-bn thm-tb-Pv

{Sm-h kv-t]m-Iv Sow

h-\n-X-IÄ-¡pw ap-XnÀ-¶ ]u-c-·mÀ-¡p-ap-Å {]-tXy-I SqÀ ]m-t¡-Pp-I-fpw C-hÀ \Â-Ip-¶p-|v. tImÀ-¸-td-äv I-¼-\n-IÄ-¡m-bn thm-tb-Pv F-s¶m-cp B¹nt¡-j-\pw I-¼-\n hn-I-kn-¸n-¨n-«p-|v. tI-c-f kv-ämÀ-«-]v an-j-\v ]p-d-ta \n-c-h-[n kÀ-¡mÀ G-P³kn-I-fpw A-Xp-]-tbm-Kn-¡p-¶p-|v. h-\n-X-IÄ, kv-¡qÄ, tIm-sf-Pv hn-ZymÀ-°n-IÄ F-¶n-hÀ-s¡m-s¡ kz-´w {Sm-h _n-kn-\-kv B-cw`n-¨v A-h-cp-sS D¸¶-§-fpw tk-h-\-§-fpw {SmhÂ-kv-t]m-¡n-eq-sS hnÂ-¡m-\p-Å A-h-k-cw e-`yam-¡p-¶-Xp-h-gn 2025Hm-sS {Sm-h C³-U-kv-{Sn-bn 10 e-£w ]p-Xn-b sXm-gn-e-h-k-c-§Ä kr-ãn-¡p-¶-Xn-\pw C-hÀ e-£y-an-Sp-¶p. sh_v-sskäv: www.travelspoc.com

{Smh GPâpamÀ¡pw ]¦mfn¯w {]-m

tZ-in-I {Sm-h G-Pâp-am-sc \q-X-\ km-t¦-XnI-hn-Zy -D-]-tbm-K-s¸-Sp-¯n {Sm-hÂ-kv-t]m-Iv _-Ôn-¸n¡p-¶p. A-Xn-sâ `m-K-am-bn {Sm-h G-Pâp-amÀ, SqÀ Hm-¸-td-äÀ-amÀ, {Sm-h CâÀ-ao-Un-b-do-kv F-¶n-hÀs¡m-s¡ A-h-cp-sS SqÀ ]m-t¡-Pp-I-fpw {Sm-h t{]mU-Îp-I-fpw C-Xn {]-ZÀ-in-¸n-¡m\pw kz-´w {_m³Un hnÂ-¡m\pw km-[n-¡pw. I-gn-ª H-cp hÀ-j¯n-\n-sS 200 A-[n-Iw {Sm-h G-Pâp-amÀ {Sm-hÂkv-t]m-¡n c-Pn-ÌÀ sN-bv-Xp-I-gn-ªp. 35000Hm-fw k-©m-cn-IÄ c-Pn-kv-äÀ sN-bv-Xn-«p-Å Cu ssk-äneq-sS C-Xp-h-sc 2000 A-[n-Iw _p-¡nw-Kpw \-S¶n-«p-|v.

hn-i-Z-hn-h-c-§Ä-¡v: www.startupmis sion.kerala.gov.in, 0471-2700270

Two unique workshops for Small & Medium Businesses

FINANCIAL MANAGEMENT FOR SME ENTREPRENEURS THE FOLLOWING TOPICS WILL BE COVERED l

l

l l

l

l

l l

l

l

l

Common mistakes entrepreneurs make How to ascertain profitability of a business Significance of budgeting What is cash conversion cycle and its relevance What is risk assessment and its mitigation techniques Secured and unsecured loans – important considerations for availing loan and its availability Key MIS statements Overview of Income Tax and GST laws which an entrepreneur should be aware Fund raising, funding options Debt and equity Current trends in financing options for MSMEs Listing on Exchanges

DIGITAL MARKETING FOR BUSINESS GROWTH

A must attend one-day workshop for entrepreneurs who want to take their business to the next level

Workshop on how digital marketing can be used by SMEs to grow their businesses.

Prepare a blueprint of your digital transformation strategy

DATE: 11 March 2020 PLACE: Kochi DATE: 12 March 2020 PLACE: Kochi

SESSION BY

Mr. V. Sathyanarayanan

Senior Partner, Varma & Varma

SESSION BY

EARLY-BIRD RATE

Rs. 4,000 + tax

(up to February 20th) REGULAR RATE

Rs. 5,000 + tax No spot registration

l

Satish Vijayan

Dr. Anil R Menon

l

CEO, Diffrenz Business Solutions Pvt Ltd

Professor, S P Jain School of Global Management and Finance & Strategy Consultant

ONLY

50 SEATS!

THE FOLLOWING TOPICS WILL BE COVERED

l

l

EARLY-BIRD RATE

Rs. 4,000 + tax

(up to February 20th) REGULAR RATE

l

l l

Rs. 5,000 + tax

Basics of digital marketing entrepreneurs need to be aware of How to implement digital marketing How much do you need to spend on digital marketing How to increase your business through digital/social media marketing How to analyse and manage digital marketing efforts E-commerce and omni-channel business How to select and monitor digital marketing agencies

No spot registration

For more details, contact: Vijay – 80865 82510; Praveen - 90725 70062 [\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

21

_m¦nwKv & ^n\m³kv BANKING & FINANCE

""tIcf _m¦n\v aÕcn¨v

apt¶dm\mIpw''

Interview

_m-¦n-\v t\-Sm-\m-Ipw. Cusbm-cp ku-Ic - y-ap-ÅX - n\m XoÀ-¨b - m-bpw \n-ehn-ep-Å F³.BÀ.sF \n-t£-]¯ - n-sâ 30 i-Xa - m\-t¯m-fw tI-cf - _m-¦nte-¡v jn-^vä - v sN-¿s - ¸-Spw. {]m-Y-an-I k-l-I-c-W _m-¦p-I-sf-bpw AÀ-_³ _m-¦p-I-sf-bpw tI-c-f _m-¦n- e-bn-¸n-¡-p-tam?

C-Ã. F-¶m tI-c-f-¯nse 1600 A-[n-Iw h-cp-¶ {]m-Y-an-I k-l-I-c-W tI-c-f-¯n-sâ kz-´w _m-¦m-b tI-c-f _m-¦v kw-Øm-\-s¯ _m-¦nw-Kv cw-K_m-¦p-IÄ tI-c-f _m-¦n¯v N-Sp-e-am-b am-ä-§Ä kr-ãn-¡m-\p-Å X-bm-sd-Sp-¸n-em-Wv. \yq P-\-td-j³ sâ Hm-l-cn D-S-a-I-fm-Wv. A-h-cn \n-¶pw sX-c_m-¦nw-Kv kw-hn-[m-\-§-fn-eq-sS kw-Øm-\-s¯ k-l-I-c-W _m-¦nw-Kv ta-J-e-sb sª-Sp-¡-s¸-Sp-¶ BfpI-cp-¯p-ä H-cp {]-Øm-\-am-¡n am-äm-\p-Å \-S-]-Sn-IÄ- tI-c-f _m-¦v Xp-S-§n-¡I-fm-Wv tI-c-f _m-¦n-sâ gn-ªp. ImÀ-jn-I hm-bv-] sa-¨-s¸-Sp-¯p-I, F³.BÀ.sF \n-t£-]w t\-Sp-I, `-c-W-k-an-Xn-bn-te-¡v h-cpbp-h-X-e-ap-d-sb D-]-t`m-àm-¡-fm-¡p-I Xp-S-§n-b \n-c-h-[n e-£y-§Ä-s¡m-¸w ¶-Xv. tI-c-f _m-¦pw {]mY-an-I k-l-I-c-W _m-¦p{Km-ao-W ta-J-e-I-fn-em-sI _m-¦v i-à-am-sbm-cp km-¶n-[y-am-bn am-dn-tb-¡pw.

I-fp-am-bn H-cp sS-Iv-t\m-f-Pn tI-c-f _m-¦n-sâ {]-hÀ-¯-\-§-sf-¡p-dn-¨pw ]p-Xn-b ]-²-Xn-I-sf-¡p-dn-¨p-w Câ-t{K-j-\p-|m-Ipw. A_m-¦n-sâ No-^v P-\-d am-t\-P-cm-b sI.kn.k-l-tZ-h³ [-\-¯n-\v Xn-eq-sS tI-c-f _m-¦n-sâ tk-h-\-§-sfm-s¡ {]mA-\p-h-Zn-¨ {]-tXy-I A-`n-ap-J-¯n-se {]-k-à-`m-K-§Ä Y-an-I k-l-I-c-W _m-¦nsâ Iu-|-dp-I-fn-eq-sS-bpw e-`y-am-Ipw. Np-cp-¡-¯n {]m-Y-an-I k-l-I-c-W tI-c-f _m-¦n-sâ cq-]o-I-c-W-¯n\m-bn _m-¦p-I-fpw A-h-bp-sS 5000 t¯mfw im-J-I-fpw F-s´m-s¡ \-S -] -S n-I -fm-Wv C-\ n-b pw tI-c-f _m-¦n-sâ S-¨v t]m-bnâp-I-fm-bn am-dp-w. ]qÀ-¯n-bm-¡m-\p-Å-Xv? \yq P-\-td-j³ _m-¦p-I-fn e-`y-am-bn-«p-Å tI-c-f-¯n-se 13 Pn-Ãm k-l-I-c-W _m-¦p-I-fpw F-Ãm B-[p-\n-I tk-h-\-§-fpw sS-Iv-t\m-f-Pn kw-Øm-\ k-lI - c - W - _m-¦n e-bn-¸n-¨p-sImASnØn-X DÂ-¸-¶§fpsam-s¡ {]m-Y-an-I |p-Å D-¯-c-hv C-¡-gn-ª \-hw-_À 29\m-Wv k-l-I-c-W _m-¦p-I-fnÂ-¡q-Sn e-`y-am-¡p-s¶mc- P n- k v - { SmÀ ]p- d - s ¸- S p- h n- ¨ - X v . A- X n- \ m cp kw-hn-[m-\-am-Wv tI-c-f _m-¦v hn-`m-h-\w A-¶p-ap-X X-s¶ \n-b-a-]-c-am-bn tI-c-f sN-¿p-¶-Xv. BÀ._n.sF-bp-sS sse-k³-kp-Å _m-¦v cq-]o-I-cn-¡-s¸-«p- I-gn-ªp. BÀ._n.

AÀ-_³ _m-¦p-I-sf-Ãmw X-s¶ tI-c-f _m-¦nsF-bn \n-¶pw A-´n-am-\p-a-Xn e-`n-¨-Xn-\v sâ sa-¼À-am-cm-Wv. {]m-Y-an-I k-l-I-c-W ti-j-am-bn-cp-¶p e-b-\w. C-\n-bn-t¸mÄ e-b_m-¦p-IÄ-¡v \Â-Ip-¶ km-t¦-Xn-I ]n-´p-W \w DÄ-¸-sS-bp-Å F-Ãm \-S-]-Sn-I-fp-sS-bpw hnA-h-¡pw e-`y-am-¡p-¶-Xn-eq-sS tI-c-f _m-¦n-sâ iZmw-i-§Ä Cu amÀ-¨v 31\v ap³-]v BÀ._n. tk-h-\-§Ä AÀ-_³ _m-¦p-I-fn-eq-sS-bpw A-hsF-¡v \Â-Ipw. Um-äm Câ-t{K-j-\m-Wv ]qÀ bp-sS im-J-I-fn-eq-sS-bpw e-`y-am-Ipw. -¯n-bm-¡m-\p-Å a-säm-cp {]-[m-\ \-S-]-Sn. k-l-I-c-W ta-J-e-bn-se \n-t£-] k--amA-Xm-b-Xv H-cp G-Io-Ir-X tImÀ _m-¦nw-Kv l-c-W cw-K-¯v tI-c-f _m-¦v F-´v am-ä¹m-äv-t^m-an-te-¡v 13 _m-¦p-I-sf-bpw sIm-|p-hap-|m-¡pw? c-Ww. A-Xv ]qÀ-¯n-bm-¡m³ A¸w k-a-bw F-Sp-t¯-¡pw. ]p-Xn-b tkm-^v-äv-sh-b-dm-Wv tI-c-f _m-¦v h-cp-¶-tXm-sS klI-c-W ta-J-eR-§Ä A-Xn-te-¡m-bn D-]-tbm-Kn-¡p-¶-Xv. bn-se \nt£-] k-am-lcWw Iq-Sp-X tI-{µoA-Xn-sâ sk-e-£³ D-S-s\ ]q-À-¯n-bm-Ipw. Ir-X-am-bn \-S-¯m-\m-Ipw. Iq-Sp-X sa-¨-s¸-« tk-h-\-§Ä \Â-Ip-t¼mÄ kzm-`m-hn-I-am-bpw \n-t£-]-þ-hm-bv-]m cw-K-¯p-Å _m-¦n-sâ P-\-§Ä- C-Xn-te-¡v h-cpw. R-§-fp-sS D-]SmÀ-P-äv? t`m-àm-¡-fn 40 h-b-kn-\v Xm-sg-bp-Å-hÀ C-t¸mÄ 13 Pn-Ãm k-l-I-c-W _m-¦p-IÄ-¡pw Ct¸mÄ sh-dpw 30 i-X-am-\-am-Wv. A-Xv hÀ-[nkw-Øm-\ k-l-I-c-W _m-¦n-\pw Iq-Sn G-I¸n-¡p-¶-Xn-\m-bn \yq P-\-td-j³ _m-¦p-I-fn tZ-iw H-cp e-£w tIm-Sn cq-]-bp-sS sam-¯w e-`yamb t{]m-U-Îp-I-fpw tk-h-\-§-fpw H-cp _n-kn-\-km-Wp-Å-Xv. hm-bv-]-bpw \n-t£]-hpw am-k-¯n-\-Iw X-s¶ R-§Ä tI-c-f _m-¦n tNÀ-¶ Xp-I-bm-Wn-Xv. h-cp-¶ aq¶v hÀ-jw e-`y-am-¡pw. A-Xn-eq-sS ]p-Xp-X-e-ap-d-sb-bpw sI.kn. k-l-tZ-h³ sIm-|v A-Xn-s\ aq¶v e-£w tIm-Sn cq-]-bmR-§Ä-¡o ta-J-e-bn-te-¡v sIm-|p-h-cm³ bn D-bÀ-¯p-I-sb-¶-Xm-Wv tI-c-f _m-¦n-sâ km-[n-¡pw. e£yw. hm-bv-]m cw-K-¯v Cu hÀ-jw amÀ-¨v cy-hn-I-k-\-¯n-\v th-|n-bp-sam-s¡ D-]-tbm-Kn-¡m Pn-Ãm _m-¦p-IÄ C-Ãm-Xm-b-Xv Pn-Ã-I-fn-se 31\-Iw X-s¶ 5000 tIm-Sn cq-]-bp-sS {lkz-Im-e hp-¶ H-cp ^-|m-bn-¯o-cpw. A-Xn-\m tI-c-fhm-bv-] hn-X-c-W-s¯ F-§-s\-bm-Ipw ImÀ-jn-I hm-bv-] Ip-d-ª ]-en-i \n-c-¡n ¯n-se _m-¦p-I-fn-ep-Å F³.BÀ.sF \n-t£-]_m-[n-¡p-I? hn-X-c-Ww sN-¿pw. ¯n-sâ 30 i-X-am-\-sa-¦n-epw tI-c-f _m-¦n-te-¡v B-IÀ-jn-¡m-\m-Wv R-§Ä e-£y-an-Sp-¶-Xv. ]-Xn-\m-ev Pn-Ãm _m-¦p-IÄ D-|m-bn-cp-¶-t¸m hn-tZ-i a-e-bm-fn-I-fp-sS \n-t£-]w _m-¦n-\v gp-Å `q-an-im-kv-{X-]-c-am-b A-k-´p-en-Xm-h-Ø F-{X-am-{Xw B-IÀ-jn-¡m-\m-Ip-sa-¶m-Wv C-¡m-cy-¯n a-äp-Å _m-¦p-I-fp-am-bn a-Õ-cn-¨v C-t¸mÄ am-dn-bn-cn-¡p-I-bm-Wv. ap³-]v h-b-\m-Sv, {]-Xo-£n-¡p-¶-Xv? ap-t¶-dm³ tI-c-f _m-¦n-\v km-[n-¡p-tam?

C-Sp-¡n Xp-S-§n-b Pn-Ã-I-fn-se _m-¦p-IÄ-¡v F³.BÀ.sF \n-t£-]-w k-am-l-cn-¡p-¶-Xn-\p-Å XoÀ-¨b - m-bpw. a-äp-Å _m-¦p-IÄ sIm-Sp-¡p-¶X - n-s\A-hn-S-s¯ ]-cn-an-X-am-b \n-t£-]w D-]-tbmBÀ._n.sF-bp-sS A-\p-a-Xn _m-¦n-\v e-`n-¡m³ ¡mÄ an-I¨ - ku-Ic - y-§Ä hn-tZ-i a-eb - m-fn-IÄKn-¨v th-|-{X hm-bv-] \Â-Im³ I-gn-ªnt]m-Ip-¶-tX-bp-Åq. H-cp am-k-¯n-\-Iw X-s¶ ¡v sIm-Sp-¡m³ R-§Ä-¡v km-[n-¡pw. Im-cW - w cp-¶n-Ã. A-tX-k-a-bw a-äv Nn-e Pn-Ã-I-fn A-Xv t\-Sn-sb-Sp-¡m-\m-Ip-sa-¶v {]-Xo-£n-¡p-¶p.

R-§Ä-¡p-Å A-{X-bpw hn-]p-ea - m-sbm-cp s\-ävh - À-¡v \n-t£-]w Iq-Sp-X-epw hm-bv-]-¡p-Å Unamâv tI-c-f-¯n-se s]m-Xp-þ-kz-Im-cy ta-J-em _m-¦p-I-fntI-cf - ¯ - n a-säm-cp _m-¦n-\p-an-Ã. tI-cf - _m-¦n-sâ Ip-d-hp-am-bn-cp-¶p. B ]-cn-an-Xn-sb a-dn-I-S-¡m³ em-bn 150000 tIm-Sn cq-]-bn-e-[n-Iw F³.BÀ.sF 825 {_m-©p-IÄ F-Ãm ]-©m-b¯ - n-ep-am-bm-Wp\-ap-¡v tI-c-f _m-¦n-sâ sk³{S-sse-kv-Uv \n-t£-]-ap-|v. A-Xn-sâ `qcn-`m-Khpw tI-c-f-¯n-\v Å-Xv. hn-tZ-i a-e-bm-fn-I-fp-sS ho-Sn-\v k-ao-]-s¯m am-t\-Pv-saân-eq-sS km-[n-¡p-w. G-Xv Pn-Ã-bn-se ]p-d-s¯ tImÀ-¸-td-äp-IÄ-¡v hm-bv-] sIm-Sp-¡m-s¡ R-§-Ä-¡v {_m-©p-I-fp-|v. a-äp-Å s]m-Xp-þ ImÀ-jn-I ta-J-e-bn-em-tWm \n-t£-]w B-h-iy\m-bn-«m-Wv Cu _m-¦p-IÄ hn\n-tbm-Kn-¡p-¶Xv. -kz-Im-cy ta-J-em _m-¦p-I-fp-sS im-J-IÄ \-K-cap-Å-Xv A-hn-tS-¡v B-h-iy-am-b ]-Ww \ÂF-¶m hn-tZ-i a-e-bm-fn-I-fp-sS \n-t£-]w tI-c-f §-fn-epw sN-dn-b ]-«-W-§-fn-epw am-{X-ta-bp-Åq.

Im³ I-gn-bp-sa-¶v am-{X-a-à [-\-]-c-am-b _m-¦n h-cp-¶-tXm-sS B ]-Ww tI-c-f-¯n-\v A-Xp-sIm-|p-X-s¶ A-h-cp-sS im-J-I-fn e-`n-¡phn-\n-tbm-Kw k-´p-en-X-am-¡p-¶-Xn-\v km-[n-¡pA-I-¯p-X-s¶ hm-bv-]-bm-bpw A-Sn-Øm-\ ku-I¶-Xn-t\-¡m-tf-sd F³.BÀ.sF \n-t£-]w tI-c-f sa-¶-Xpw e-b-\-¯n-sâ t\-«-am-Wv.

22

s^{_phcn 15, 2020

[\w hyh-kmb hmWnPy ssZzhm-cnI

Market Review

C³sh-Ìvsaâv ssKUv INVESTMENT GUIDE

s]mdn©p shfnb¯v

_Päpw hn]Wnbpw ]pXnb km[yXIfpw! anI-¨ Kp-W-ta-·-bp-Å Hm-l-cn-I-fn-te-¡v t\m¡q. ap-t¶-ä-¯n-\v C-\nbpw [m-cm-fw km-[y-XIÄ!

ip

-`-kq-N-\-tbm-sS-bm-Wv 2020 sâ Xp-S-¡w. D-bÀ¶ hm-eypth-j-\n t{S-Uv sN-¿p-¶ Kp-W-ta-·bp-Å kv-täm-¡p-I-fn I¬-tkm-fn-tU-j³ \-S-¡p-¶p A-tXk-a-bw A-Sn-Øm-\-]-c-am-bn I-cp-¯p-ä, t\-c-s¯ Xn-cn-¨-Sn- t\-cn-« Hm-l-cn-I-fn-te-¡v dm-en hn-I-kn-¨psIm-|n-cn-¡p-¶p. ap³ te-J-\-§-fn {]-Xo-£ {]-I-Sn¸n-¨-Xp-t]m-se 100 e-[n-Iw an-Uv, kv-tamÄ Im-]v Hm-l-cnIÄ ]p-XphÀ-j-¯n-sâ B-Zy Ip-d-¨v B-gv-N-IÄ-¡p-Ån X-s¶ 20 i-X-am-\-¯n-e-[n-Iw t\-«-ap-|m-¡n-bn-cp-¶p.

I-gn-ª c-|p aq-¶p hÀ-j-§-fn-se hn-im-e hn-]-Wn-Ifp-sS ho-gv-N-bp-sS B-gw h-¨p t\m-¡p-t¼mÄ, am-\y-amsbm-cp I¬-tkm-fn-tU-j³ kw-`-hn-¡pw ap³-]p Cu Hm-l-cn-IÄ ho-|pw D-bÀ-¶m-epw A-Xn-i-b-an-Ã.

k-¼-Zvhy-h-Ø-bp-sS ss{]w aq-h-dp-IÄ-¡v A-an-X-ambn \n-Ip-Xn Np-a-¯p-¶-Xv \n-cm-im-P-\-I-hpw \n-cp-Õml-I-c-hp-am-b H-cp B-i-b-am-Wv, A-Xv k-¼-Zvhy-h-Øsb _m-[n-¡pw.

FÂ-Sn-kn-Pn (temw-Kv tSw Im-]n-ä sK-bv³-kv Sm-Ivkv) _m-[-I-am-Ip-¶ Im-e-b-f-hn-sâ ]p-\-c-h-temI-\w \-S-¯p-¶-Xv skân-saâv-kv sa-¨-s¸-Sp-¯p-I-bpw Sm-Iv-kv I-f-£³ hÀ-[n-¸n-¡p-I-bpw sN-¿pw, Iq-SmsX Un-hn-U³-Un-\p-Å C-c-« \n-Ip-Xn-bpw am-d-Ww, \n-t£-]-I-cp-sS a-\-kn h-f-sc s\-K-än-hn-än kr-ãn-¨ H-cp- Im-cy-am-Wn-Xv.

_-P-äpw hn-]-Wn-bpw

\nt£]ItcmSv

Cu te-J-\w \n-§fn-te-s¡-¯p-t¼mÄ [-\Im-cy- a-{´n ]p-Xn-b _-P-äv A-h-X-cn-¸n-¨n-«p-|m-Ipw. \-½p-sS C-t¸m-g-s¯ km¼-¯n-I Ah-kv-Y-bn \n-¶p t\m-¡p-t¼mÄ K-h¬-saâv C-¶p-h-sc cq-]-s¸-Sp-¯n-b-Xn G-ä -hpw {]m-[m-\y-ap-Å _-P-ämbn-cn-¡pw 2020te-sX¶v kwi-b-te-i-sa-t\y ]-d-bmw.

C- ´ y³k- ¼ Zv h y- h - Ø - b p- s S h-cpw hÀ-j-§-fn-se `m-hn \nÀW-bn-¡p-¶ _-P-äm-bn-cn-¡pan-sX-¦n Iq-Sn-bpw [-\-Imcya-{´n-¡p ap-¶n km¼-¯n-I D-t¯-P-\-¯n-\v ]-cn-an-X-am-b km-[y-X-IÄ am-{X-ta-bp-Åq. ^n-kv-¡Â tam-Wn-ä-dn t]m-fn-kn-I-fn-se ]-cn-an-XnIÄ h-¨v t\m-¡p-t¼mÄ C-Xv Iq-Sp-X AÀ-°-h-¯m-b ]-cn-jv-Im-c-§Ä-¡p-Å k-a-b-am-Wv. [-\-¡-½n kz¸w IqSn-bmÂ-t¸mepw B-g-¯nep-Å ]-cn-jv-Im-c-§-fp-s|-¦n hn-]-Wn A-Xn-s\ kzmK-Xw sN-¿pw. kw-cw-`-IÀ-¡v aq-e-[-\-sN-e-hv Ip-d-¨p sIm-|ph-cm-\p-Å \-S-]-Sn-IÄ F-{X-bpw th-K-¯n ssI-s¡m-Å-Ww. kz-Im-cy \n-t£-] ssk-¡n-fn-\p XpS-¡w Ip-dn-¡m-\pw I-b-äp-a-Xn Im-cy-£-a-X D-bÀ-¯m\pw C-Xv A-Xym-h-iy-am-Wv. [-\-Im-cy- a-{´m-e-b-¯n-te-¡v H-cp sS-Iv-t\m-{Im-äv I-S-¶ph-cp-¶p-sh-¶p-Å Inw-h-Z-´n i-cn-bm-sW-¦n A-Xv h-en-sbm-c-f-hp h-sc skân-saâv-kv _q-Ìv sN¿pw. am-{X-a-à km-¼-¯n-I \-bcq-]o-I-c-W-¯n-\v B-hiy-am-b km-t¦-Xn-I ssh-Z-Kv-[yw sIm-|p-h-cm-\pw Ign-bpw. hn-tZ-i aq-e-[-\w h-f-sc B-h-iy-am-sW-¶n-cn-s¡ C-¶-s¯ B-tKm-fØn-Xn-bn A-Xv B-IÀ-jn-¡m-\p-Å kp-hÀ-Wm-h-k-cw \-ã-s¸-Sp-¯p-¶-Xv \-ap-s¡m-cn-¡epw Xm-§m-\m-In-Ã. k-ao-]-Im-e-¯v cm-{ão-b t{]-cn-Xam-b hn-hm-Z-§Ä {_m³-Uv C-´y-bp-sS {]-Xn-Ñm-b-bv¡v hn-tZ-i-¯v A-\m-h-iy-am-bn a-§-teÂ-¸n-¨n-«p-|v, B [m-c-W-IÄ Xn-cp-¯m-\p-Å \-à A-h-k-cw Iq-Snbm-Wv _-P-äv.

C-

Xn-\-Iw Xn-cn-¨-Sn t\-cn-« \-à Izm-fn-än-bp-Å an-Uv, kv-tamÄ Im-¸v Hm-l-cn-I-fn \n-t£-]w Xp-S-cmw. hn-im-e-hn-]-Wn-bn ap-t¶-ä-¯n\p C-\n-bpw [m-cm-fw km-[y-XI-fp-|v. Kp-W-ta-·-bp-Å, C-\n-bpw an-I-¨ {]-I-S-\w Im-gv-N-h-¨n-«n-Ãm-¯ Hm-lcn-IÄ I-s|-¯p-I-bpw AXn \n-t£-]n-¡p-I-bpw sN-¿p-¶-hÀ-¡v h-cpw Zn-hk-§-fn \n-cm-i-s¸-tS|n h-cn-Ã.

\n-Ip-Xn `o-I-c-X Ip-d-bv-¡p-¶-Xn-\v B-Zm-b-\n-Ip-Xn hn-e-bn-cp-¯-ep-I-fn hy-àn-\n-jvT-X Ip-d-bv-¡p-¶-Xn\p-Å \-S-]-Sn-IÄ \-ap-¡v B-h-iy-am-Wv. ]-e-t¸m-gpw SmÀ-K-äv Xn-I-bv-¡m³ A-k-knw-Kv Hm-^o-kÀ-amÀ-¡p-Å k-½À-Zw DÂ-¸m-Z-\-£-a-X-bn-Ãm-bv-a-bn-te-¡pw bp-ànc-ln-X-am-b B-h-iy-§Ä D-¶-bn-¡p-¶-Xn-te-¡pw AXp-h-gn \n-Ip-Xn hy-h-lm-c-§Ä hÀ-[n-¡p-¶-Xn-te-¡pw \-bn-¡p-¶p. e-fn-X-hpw t{]m-k-kv A-[n-jvTn-X-hp-am-b _-Z kw-hn-[m-\w H-tc-k-a-bw Im-cy-£-a-X sa-¨-s¸Sp-¯m-\pw I-f-£³ hÀ-[n-¸n-¡m-\pw hy-h-lm-c-§Ä Ip-d-bv-¡m-\pw k-lm-bn-¡pw.

h-Ip-¸p-IÄ X-½n-ep-Å G-tIm-]-\w A-\n-hm-cyw ]-hÀ, sS-en-tImw DÄ-s¸-sS tcm-Km-Xp-c-am-b sk-Îdp-I-fn-sem-s¡ Iq-Sp-X kq-£v-a-am-b C-S-s]-S-ep-IÄ kÀ-¡mÀ \-S-t¯-|-Xp-|v. kÀ-¡mÀ h-Ip-¸p-IÄ X-½n-ep-Å G-tIm-]-\-¯nsâ A-`m-h-hpw \-b-§-fn-se Øn-c-X-bn-Ãm-bv-a-bpw _n-kn-\-kp-I-sf tam-i-am-bn _m-[n-¡p-¶p-|v. k-ao-]Im-e-¯v sS-entImw ta-J-e-bn-ep-|m-b A-Uv-P-Ì-Uv t{Km-kv sd-h-\yp hy-h-lm-c-¯n sS-en-tImw Un-¸mÀ«v-saâv A-[n-Ir-X-cpw a-äp a-{´n-am-cpw ]-c-kv-]-c hn-cp-²am-b {]-kvXm-h-\-IÄ C-d-¡n-b-Xv C-Xv s]m-Xp {i-²bn-te-¡v sIm-|p-h-¶n-«p-|v. A-`n-{]m-b-hy-Xym-kw P-\m-[n-]-Xy-¯n H-cp A-\n-hm-cy-X-bm-sW-¦n-epw, {]-Jym-]n-X s]m-Xp\-b-¯n \n-¶pw kÀ-¡m-cn-sâ X-s¶ hn-hn-[ h-Ip-¸p-IÄ hy-Xn-N-en-¡p-¶-Xv Np-h-¸p \m-S-IÄ hÀ-[n-¸n-¡p-I-bpw k-¼-Zvhy-h-Ø-sb Xm-tg¡v h-en-¡p-I-bpw am-{X-am-bn-cn-¡pw sN-¿p-I.

\n-Ip-Xn bp-àn-k-l-am-I-Ww hy-àn-K-X B-Zm-b-\n-Ip-Xn \n-c-¡p-IÄ [-\-a-{´n bp-àn-k-l-am-¡-W-sa-¶v Rm³ B-{K-ln-¡p-¶p. kmaq-ly kp-c-£m B-\p-Iq-ey-§-sfm-¶pw \Â-Im-sX, [\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

23

s]gvk-WÂ ^n\m³kv PERSONAL FINANCE

{io-Im-´v hm-g-bnÂ

IS¯n \n¶v IcIbdmw,

10 hgnIfnXm...

I-S-¯n A-I-s¸-Sm-Xn-cn-¡m-\pw I-S-¯n-e-I-s¸-«-hÀ¡v- A-XnÂ- \n-¶pw I-c-I-b-dm-\pw \n-ch-[n h-gn-I-fp-|v. A-Xn-\m-bn ]-cn-{i-an-¡-W-sa-¶p am{Xw!

2004

se s_À-¡v-sj-bÀ lm-Xv-th hmÀ-jn-I s]-mXp-k-t½-f-\-¯n km-¼-¯n-I Kpcp-hpw tem-I-¯n-se X-s¶ Gähpw henb aq-¶m-a-s¯ tIm-So-iz-c-\p-am-b hm-d³ _-^-än-t\m-Sv Im-WnIÄ¡n-S-bn \n-¶pw 14 h-b-kp-Im-c-\m-b H-cp ]¿³ sNdp-¸-¡mÀ-¡mbn H-cp h-en-b ^n-\m³-kv Sn-]v-kv \Â-Im³ B-h-iy-s¸«p. A-¶-t±-lw ]-d-ªXn§s\-bmWv. "sN-dp-¸-¡mÀ-¡v \Â-Im³ F-\n-¡v H-cp D]-tZ-iw D-s|-¦n A-Xv I-S-¯n ho-gm-Xn-cn¡p-I F-¶-Xm-Wv. k-¼m-Zn-¡p-¶-Xn-t\-¡mÄ Iq-Sp-X sNe-h-gn-¡m³ ]-e {]-tem-`-\-§-fpw \n-§Ä-¡v Po-hn-X -¯n-ep-|m-tb-¡mw, A-Xv a-\-kn-em-¡m-hp¶-tX-bp-Åq. ]-s£ H-cn-¡-epw A-Xv \-à B-i-b-tab-Ã.'

C¶v B hm-¡p-IÄ-¡v G-sd {]-k-àn-bp|v. GXp X-cw hm-bv-]bpw H-cp sam-ss_ ¢n-¡n A-¡u-|n-

1

IS¯n \n¶pw ]pd¯p IS¡m\pÅ Xocpam\saSp¡pI

I-S-¯n \n-¶pw ]p-d-¯p-I-S-¡m-\p-Å B-Zy-]-Sn A-Xn-\p-th-|n i-à-am-b Xo-cpam-\w kz-bw F-Sp-¡p-I F-¶-Xm-Wv. AXn\p ti-jw \n-§-fp-sS IS§Ä Hm-tcm-¶m-bn F-gpXn sam-¯w \n§Ä-¡v F-{X Xp-I I-S-ap-s|-¶v I-|p-]n-Sn-¡Ww. A-Xn-\m-bn {]-tXy-Iw H-cp I-W-¡p ]p-kv-X-Iw kq-£n¡p-I. ^n-\m³-jy ¹m-\n-wKn-sâ `m-K-am-bn B-fp-I-tfm-Sv sam-¯w I-S-§Ä F-gp-Xm³ ]-d-bm-dp|v. A-t¸m-sgm-s¡ {i-²n-¨n-«p-Å H-cp Imcyw ]-eÀ-¡pw kz´w I-Sw F-{Xsb-¶p F-gp-Xm³ t]m-epw `-b-am-Wv. H-cp t]-Pn Po-hn-X-¯n C-Xp-h-sc \n-§Ä k-¼m-Zn-¨ Bkv-XnIÄ C-S-Xp-h-i-¯pw I-S-§Ä h-e-Xp-h-i-¯p-am-bn F-gp-Xp-I. Im-ew I-gn-bpw-tXm-dpw Bkv-Xn-bp-tSbpw I-S-¯n-sâ-bpw aq-eyw H-cp-t]m-se hÀ-[n¡pw. \n-§-fp-sS `m-hn \nÀ-W-bn-¡-p-¶-Xv Cu A-k-äv e-b-_nen-än _p-¡mWv F-¶ t_m-[yw h-cp-¶-tXm-sS F-§-s\-sb-¦nepw I-S-¯n \n-¶pw ]p-d¯p- I - S - ¡ - W sa-¶ Nn´ h-¶p tNcpw.

24

s^{_phcn 15, 2020

[\w hyh-kmb hmWnPy ssZzhm-cnI

se-¯p-¶ Im-e-¯m-Wv \m-ap-ÅXv. [-\-Im-cy Øm-]-\§Ä, s{I-Un-äv ImÀ-Up-IÄ, sam-ss_ B-¸p-IÄ XpS-§n-b- hnhn-[ amÀ-K-§-fn-eqsS F-fp-¸-¯n hm-bv-] e`y-am-b-tXmsS B-h-iy-¯n-\pw A-\m-h-iy-¯n-\pw I-Sw-hm-§p-¶ bp-h-X-e-ap-d-bp-sS F-®w \mÄ-¡p-\mÄ hÀ-[n-¨p-h-cn-I-bm-Wv. s{I-Un-äv ImÀ-Uv tem-Wpw, t]gvk -W tem-Wpw h-gn tXm-¶n-b t]m-se I-S-sa-Sp-¯v Ducn-t¸m-cm-\m-hm-¯ hn-[w sI-Wn-bn A-I-s¸-«n-cn-¡p-Ibm-Wv ]p-Xp-X-e-ap-d-bnÂ-s¸-« ]-e-cpw.

I-S-¯n-eI-s¸-Sm³ h-f-sc F-fp-¸-am-Wv, ]-t£ Xncn-¨-S-¨p XoÀ-¡pI {]-bm-k-I-chpw. AXn-\m Po-hn-Xw H-cp Zpcn-X-am-bn am-dm-Xn-cn-¡m³ I-S-¯n A-I-s¸-SmXn-cn-¡m-\pw I-S-¯n-e-I-s¸-«-hÀ- A-XnÂ-\n-¶pw I-cI-b-dm-\pw {i-²n-t¡-|-Xp-|v. CXm I-S-¯n \n-¶v ]p-d-¯p-I-S-¡m³ Im-cy-£-aam-b ]-¯p h-gnIÄ...

2

3

henb Xncn¨Shv = henb t\«w!

]-e-cpw s{I-Un-äv ImÀ-Uv _n-Ãn an-\n-aw Uyq Xp-I am-{X-a-S-¨p t]m-Ip-¶-Xm-bn Im-Wm-dp-|v. an\n-aw Xp-I-bm-sW-¦n-epw `o-a-am-b ]-en-i-bm-Wv Hm-tcm am-k-hpw ImÀ-Up-IÄ Cu-Sm-¡n-s¡m-|n-cn-¡p-¶-Xv. D-bÀ-¶ ]-en-i-bm-b-Xn-\m X-s¶- C-Xv F-{X-bpw s]-s«-¶v A-S-¨p XoÀ-t¡-|-Xp-|v.

D-Zm-l-c-W-ambn en-Ìn G-ä-hpw D-bÀ-¶ ]-en-i sIm-Sp-t¡-|

]eni{Ia¯n enÌv X¿mdm¡pI

F-Ãm I-S-hpw ]-en-i \n-c-¡n-s\ A-Sn-Øm-\-am-¡n G-ä-hpw h-ep-Xv ap-X sN-dp-Xv h-sc ]-«n-Ibm¡pI. ]-en-i Ip-d-hp-Å I-S-§-fn an-\n-aw am-k ]-W-a-S-hv \n-e-\nÀ-¯n-sIm-|v en-Ìn-ep-Å G-ä-hpw `o-a-am-b ]-eni-bp-Å-Xn-s\ X-s¶ B-Zyw t¢m-kv sN-¿m-\m-bn ¹m³ X-¿m-dm-¡p-I. H-ä-X-h-W-bm-tbm am-k X-h-W-I-fm-tbm t¢m-kv sN-¿m-hp-¶ hn-[-¯n th-Ww C-Xv X-bm-dm¡m³. ]-en-i Ip-d-hp-Å-Xv A-h-km-\-t¯-¡v- sh-¨v Iq-Sp-X-ep-Å-Xv Hm-tcm-¶m-bn A-S-¨p XoÀ-¡p-I. C-¯-c¯n I-Sw XoÀ-¡m³ am-k-§-tfm hÀ-j-§-tfm F-Spt¯-¡m-sa-¦n-epw Ir-Xy-X-tbm-sS Hm-tcm-¶m-bn A-S-¨p-

s{I-Un-äv ImÀ-Uv X-s¶-sb-Sp-¡mw. 5000 cq-]- hoXw 48 am-k-t¯-¡m-Wv Xn-cn-¨-S-sh-¶p hn-Nm-cn-¡p-I. C-Xv 10000 B-¡n D-bÀ-¯n-bm 16 am-k-§Ä sIm-|v I-Sw ]qÀ-W-am-bpw Xo-cpw. C-hn-sS Xn-cn-¨-S-hv C-c-«n-¸n-¨-Xneq-sS aq¶v C-c-«n th-K-¯n tem¬ Xo-cp-¶p. A-Xpt]m-se X-s¶ Xn-cn-¨-S-hv \mev C-c-«n-bm-¡p-t¼mÄ Ggv C-c-«n th-K-¯n-em-Wv tem¬ Xo-cp-¶-Xpw.

4

XoÀ-¡p-I. C-Xn-\p ]p-d-sa ]-en-i {I-aw t\m-¡m-sX G-ä-hpw sN-dn-b Xp-I-bv-¡p-Å I-Sw B-Zyw F-¶ {I-a¯n kv-t\m-_uÄ co-Xn-bpw ]-co-£n-¡m-hp-¶-Xm-Wv. B-Zy co-Xn-bn \n-¶pw hn-`n-¶-am-bn sN-dn-b I-S-§Ä th-K-¯n A-S-¨p-XoÀ-¡p-¶-Xn-eq-sS In-«p-¶ k-t´mjw _m-¡n-bp-Å I-S-hpw A-S-¨p-XoÀ-¡m-³ D-Õm-lw \Â-Ipw.

A\mhiy km[\§Ä hn¡mw Bhiy¯n\mbv

"Po-hn-X-¯n \n-§Ä-¡m-h-iy-an-Ãm-¯ km-[-\§Ä hm-§n-¨p-Iq-«n-bm H-cn-¡Â \n-§Ä-¡m-hiyap-Å km-[-\-§Ä hnÂ-t¡-|n h-cpw'. ]-Ww sN-eh-gn-¡p-¶-Xp-am-bn _-Ô-s¸-«v _^-än-sâ {]-kn-²-am-b h-cn-I-fm-Wn-h. bp-àn-]-c-am-bn t\m-¡q, hen-b Xp-I apS-¡n \nÀ-an¨ ho-Sn-sâ 70 iXam\w `m-K-hpw ]-e-cpw D-]-tbm-Kn-¡p-¶n-Ã! A-Xp-t]m-se-X-s¶bmWv D-bÀ¶ hne sIm-Sp-¯p hm-§p¶ t^m-Wn-sâ-bpw Im-dnsâ-bpw ho-«n-se A-e-am-c-bn-ep-Å h-kv-{X-§-fp-sS-bpw Hs¡ A-h-Ø!. k-¼m-Zn-¡p-¶ kz-¯n-sâ 70 iXam-\ hpw a-äp-Å-hÀ-¡m-bn _m-¡n-h-¨m-Wv ]-e-cpw Cu temIw hn-«pt]m-Ip-¶-Xv t]m-epw. ho-«n D-]-tbm-Kiq-\yam-bn In-S-¡p-¶ Bkv-XnIÄ I-s|-¯p-I. samss_ t^m¬, C-e-t{Îm-Wn-Iv D-]-I-c-W-§Ä, Sn-hn, em-]v-tSm-¸v, Im-a-d, ^À-Wn-¨dpIÄ A§s\ F-´p-amIs«. k-a-tbm-Nn-X-am-bn C-h hnÂ-¡m³ km-[n-¨m A-Xv c-t|m \m-tem EMI ¡p-Å h-I-bm-¡mw.

s]gvk-WÂ ^n\m³kv PERSONAL FINANCE

5

ioeam¡mw _PänwKv

_--P-än-wKn-eq-sS \n§-fp-sS F-Ãm sN-e-hpIÄ-¡pw ]-cn-[n \n-Ýbn-¡p-I. Ir-Xy-am-b _-Pän-w-Kv Hm-tcm am-k -hpw ]-Ww F-hn-sS h-I -am-dn sNe-h-gn-¨p F- ¶ m- Ý - c y- s ¸- S p- ¶ Xn-\p ]-I-cw F-hn-sSbm-Wv k-Xy-¯n sN- e - h - g n- t ¡- | - s X¶p-Å Xo-cp-am-\-sa-Sp¡m³ \n-§-sf {]m-]vX-cm-¡p-¶p. HmÀ-¡p-I _-PänwKv F-¶-Xv ]-Ww tk-hv sN-¿m-\p-Å ]-²-Xn-b-Ã, ]-I-cw hn-th-I -]qÀ-hw F-§-s\ ]-Ww sN-e-h-gn-¡mw F-¶-Xn-s\-¡p-dn-¨p-Å ]-²-Xn-bmWv. C-§-s\ tk-hv sN-¿p-¶ ]-Ww Ir-Xy-am-bn-¯-s¶ I-S-¯n-te-¡p-Å Xn-cn-¨-S-hn-\p hn-\n-tbm-Kn-¡p-I.

6 cïmw hcpam\w Isï¯pI

Ip-Spw-_-¯n-se H-cm-fp-sS h-cp-am-\w sIm-|p-am-{Xw Xn-cn-¨-S-hp km-[n-¡p-¶n-sÃ-¦n c-|m-a-sXm-cp h-cp-am-\-s¯-¡p-dn-¨p IqSn Nn-´n-¡p-I. C-¶-s¯ Im-e-¯p C-Xv h-en-b {]-bm-k-a-Ã. {^o-em³-kv t^m-t«m-{Km-^n, I-|âv ssd-änw-Kv, ]mÀ-«v ssSw So-¨nwKv, C³-jp-d³-kv G-Pâv, tlmw sa-bv-Uv tNm-Iv-tf-äv, tI-¡v \nÀ-am-Ww, tkm-jy ao-Un-b am-t\-Pn-w-Kv F-¶n-§-s\ A-h-c-h-cp-sS A-`n-cp-Nn-¡-\p-k-cn-¨v sX-c-sª-Sp-¡mhp-¶ \n-c-h-[n tPm-en-I-fp-|v. kz-´w ]m-j³ ]n´p-S-cp-¶-Xn-t\m-sSm-¸w A-Xn \n¶p-Å h-cp-am-\w sIm-|v hm-bv-]m Xn-cn-¨-S-hpw km-[y-am-Ipw.

7

FaÀP³kn ^ïv kq£n¡pI

`q-cn-`m-Kw B-fp-I-fp-tS-bpw h-en-b I-S¯n-sâ Xp-S-¡w sN-dn-b I-S-¯n \n-¶mWv. A-]-I-Sw, B-ip-]-{Xn tI-kv Xp-S-§n-b A-Sn-b-´-c B-h-iy-§Ä-¡m-bm-Wv ]-et¸m-gpw sN-dn-b I-S-§-sf-Sp-¡p-¶-Xv. C-¯-c¯n-ep-Å F-aÀ-P³-kn hm-bv-]-IÄ H-gn-hm¡m-\p-Å F-fp-¸ amÀ-Kw \n-§-fp-sS ho-«psNe-hn-sâ 10 C-c-«n ]-Ww F-aÀ-P³-kn ^-|m-bn kq-£n-¡p-I F-¶-Xm-Wv. C-Xv Po-hn-X-¯n-\p Iq-Sp-X B-ß-hn-izm-k-hpw kp-c-£-bpw \Â-Ipw. F-aÀ-P³-kn ^-|n\m-bn kz-cq-]n-¡p-¶ ]-Ww en-Izn-Uv ^-|n kq-£n-¡p-I-bm-sW-¦n G-Xpk-a-b-¯pw H-scm-ä- ¢n-¡n- ]-Ww e-`yam¡mw. am-{Xaà tk-hn-wKv-kv _m-¦n-t\¡mÄ D-bÀ-¶ ]-en-i-bpw t\Smw.

8

AhnNmcnXambn e`n¡p¶ ]Ww tem¬ Xncn¨Shn\v

Sm-I-vkv do-^-|v, Ip-Spw-_ Hm-l-cn-bmbn e-`n-¨ Ø-ew hn-äp In-«n-b ]-Ww, tem«-dn, I-¼-\n-bn \n-¶pw e-`n-t¨-¡m-hp-¶ hmÀ-jn-I t_m-W-kv F-¶n-§-s\ A-hnNm-cn-X-am-bn h-¶p-tN-cp-¶ F-Ãm ]-W-hpw A-\m-h-iy sNe-hp-IÄ-¡p-]-tbm-Kn-¡msX \n-§-fp-sS I-Sw XoÀ-¡p-¶-Xn-\v D-]tbm-Kn-¡p-I.

9

sNethdnb ioe§Ä Dt]£n¡pI

\n-§-fp-sS Nn-e Zpxio-e-§Ä Hgn-hm-¡m³ C-sXm-cp \-à A-h-k-c-am-Wv. ]p-I-h-en-, a-Zy-]m\-w, sd-tÌm-dân \n-¶pÅ D-¨-`-£-Ww, ^mÌv ^p-Uv F-¶n-hsbms¡ H-gn-hm-¡n -t\m¡q. ]-I-cw ho-«n \n-¶pÅ `£-Ww am{Xw io-eam-¡p-¶-Xn-eqsS ]-W-hpw B-tcm-Ky-hpw kwc-£n¡mw. C§s\ sN-e-th-dn-b F-Ãm io-e§-fpw D-t]-£n-¡p¶-Xp h-gn t\-Sp-¶ Xp-I hmbv-] ho-«m-\p-]-tbmKn¡mw.

10

F³he¸v knÌw D]tbmKn¡pI

]-Ww tem-sW-Spt¯m, Un-Pn-ä B-tbm A-Ãm -sX ]-c-am-h-[n Im-jv B-bn¯-s¶ D-]-tbm-Kn-¡p-I. Imjv B-bn D-]-tbm-Kn-¡p-t¼mÄ ]-Ww \n-§-fp-sS ssI-I-fn \n-¶pw \-ã-s¸-Sp-¶-Xm-bn H-cp C-tam-j-W ^o-en-wKv D-|m-hpw. A-Xv B-cpw X-s¶ C-ã-s¸-Sp-¶n-Ã. ]-W-am-bn \Â-Ip-t¼mÄ B-fp-IÄ Ipd-¨v sN-e-h-gn-¡p-¶ {]-h-W-X-bp-|v. F³--h-e-¸v kn-Ìw D-]-tbm-Kn-¡p-¶-Xn-eq-sS \-½Ä-t]m-ep-a-dn-bm-sX k-_vþ-tIm¬-jy-kv ssa³-Uv ]-Ww sN-e-h-gn-¡p-¶-Xv Ip-dbv-¡p-¶-Xv Im-Wm³ km-[n-¡pw.

G-sXm-cm-fpw Po-hn-X-¯n B-Zyw C-Ãm-Xmt¡-|-h I-Sw, i-{Xp, tcm-Kw F-¶n-h-bm-sW-¶mWv Nm-W-Iy-\o-Xn-bn ]-d-bp-¶Xv. HmÀ-¡p-I “Debt creates stress, stress creates behaviours that don’t lead to happiness”.

k-t´m-j-I-c-am-b Po-hn-X-¯n-\m-bn ]-W-s¯ ^-e{]-Z-am-bn D-]-tbm-Kn-¡m³ F-Ãm-hÀ-¡p-am-I-s«!

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

25

2020

s]gvk-WÂ ^n\m³kv

TAX

PERSONAL FINANCE

Planning 2

TAX Corner \nIp-Xn kw-_-Ôamb kw-i-b-§Ä-¡v C-hn-sS a-dp]-Sn \Â-Ip¶p. \n-§fp-sS kw-i-b§Ä mail@dhanam.in F-¶ sa-bv sFUn-bn-te-¡v A-b-bv¡pI

i¼f¡mÀ¡pïv

\nIpXnbnfhpIÄ i-¼-f-¡m-cm-b \n-Ip-Xn Zm-b-IÀ-¡v \n-Ip-Xn `m-cw Ip-d-bv-¡m³ \n-c-h-[n amÀ-K-§-fp-|v [\w \yqkv _yqtdm

cm

-Py-s¯ \n-Ip-Xn-Zm-b-I-cn {]-[m-\n-I-fm-Wv i-¼f-¡m-cm-b Po-h-\-¡mÀ. \n-Ip-Xn-bn-\-¯n h-ensbm-cp Xp-I A-hÀ Hm-tcm hÀ-j-hpw \Â-In h-cp-¶p.

F-¶m A-hÀ-¡v Ip-td \n-Ip-Xn In-gn-hp-I-fpw \n-Ip-Xn em-`n-¡m-\p-Å h-gn-I-fpw B-Zm-b \n-Ip-Xn h-Ip-¸n-ep|v.i-¼-f-¡mÀ-¡v h-en-b tXm-Xn \n-Ip-Xn- em-`n-¡m\m-Ip¶ {]-[m-\-s¸-« Nn-e Im-cy-§-fn-Xm...

1

ho-«p-hm-S-I A-e-h³-kv

hm-S-I-bv-¡v Xm-a-kn-¡p-¶ Po-h-\-¡mÀ-¡v e-`n¡p-¶ lu-kv sdâv A-e-h³-kn-\v ]qÀ-W-am-tbm `m-KnI-am-tbm \n-Ip-Xn-sbm-gn-hv e-`n-¡mw. F-¶m hm-S-I ho-«n Xm-a-kn-¡m-Xn-cn¡p-I-bpw lu-kv A-e-h³-kv hm-§p-I-bpw sN-¿p-¶p-s|-¦n \n-Ip-Xn A-Sbv-t¡-|n h-cpw.

gv-kv-saâv e-`n-¡pw. i-¼-f ]m-t¡-Pn sIm-Sp-¯n-cn¡p-¶-tXm b-YmÀ-°-¯n-ep-Å _n-Ãn-ep-Å-tXm G-XmtWm Ip-d-ª Xp-I A-Xn-\m-bn-cn-¡pw C-f-hv e-`n-¡p-I.

5 6

]p-kv-XI-§-fpw am-kn-I-I-fpw

Zn-\-]-{X-§Ä, ]oco-tbm-Un-¡Â-kv, _p-¡p-IÄ Xp-S-§n-b-h-bv-¡pw do-Cw-t]-gv-kv-saân-\v A-h-k-c-ap-|v.

^p-Uv Iq-¸¬

sXm-gnÂ-Zm-Xm-hv \Â-Ip-¶ ao Iq-¸-WpIÄ-¡v 50 i-X-am-\w h-sc \n-Ip-Xn-bn-f-hv e-`n-¡pw. am-kw 22 {]-hr-¯n Zn-h-k-§-fn c-|p t\-cw `-£-Ww F-¶ \n-e-bn (22x100) 2200 cq-]-bpw H-cp hÀ-j-¯n 26400 cq-]-bv-¡pw \n-Ip-Xn-bn-f-hv e-`n-¡pw.

7

sk-£³ 80 kn, 80kn-kn-kn, 80kn-kn-Un (1)

8

sa-Un-¡Â C³-jp-d³-kv Un-U-£³ (sk-£³ 80 Un)

\n-Ip-Xn em-`n-¡m-\m-bn G-äh - pw Iq-Sp-XÂ D-]t- bm-Kn¡p-¶ amÀ-Ka - m-Wv sk-£³ 80 kn. hn-hn-[ sN-eh - p I - f - n-t•Â 1.5 e-£w cq-] h-sc \n-Ip-Xn-bn-fh - n-\m-bn AÀl-Xb - p-|v. sse-^v C³-jp-d³kv {]o-an-bw, C-FÂF-kvF-kv, F-t¹m-bn- s{]mhn-Uâv ^-|v, B-\zn-än, s]³ j - ³ ]-²X - n-IÄ, `-h\ - hm-bv] - b - p-sS Xn-cn-¨S- h - v, Ip-«n-Ifp-sS Syq-j³ ^o, ]n-]n-F^ - v F-¡u-|n-te-¡p-Å hn-lnXw, kp-I\ - y k-ar-²n F-¡u-|v, \m-jW - Â tk-hnw-Kv kÀ-«n^n-¡ä - v, Øn-c\n-t£-]w, t]m-Ìv Hm-^o-kv ssSw \n-t£-]w, \m-jWÂ s]³-j³ k-vI - ow Xp-S§ - n-bh - b - nse \n-t£-]§ - f - n-eq-sS Cu B-\p-Iq-eyw t\-Sm-\m-Ipw.

2

kv-äm³-tUÀ-Uv Un-U-Iv-j³

3

eo-hv {Sm-h A-e-h³-kv (FÂ-Sn-F)

i-¼-f-¡mÀ-¡m-bn 40,000 cq-] h-sc Ìm³-tUÀ-Uv Un-U-£³ {]-Jym-]n-¨-Xv 2018 _-P-än-em-Wv. {Sm³-kvt]mÀ-«v A-e-h³-kv (19200), sa-Un-¡Â dn-Cw-t]-gv-kvsaâv (15,000) F-¶n-h-bv-¡v ]p-d-ta 5800 cq-]-bpw Iq-Snbm-Wv C-Xv. 2019 se C-S-¡m-e _-P-än Cu Un-U£³ 50,000 cq-]-bm-bn hÀ-[n-¸n-¨n-«p-ap-|v.

B-Zm-b \n-Ip-Xn \n-b-aw i-¼-f-¡mÀ-¡v FÂ-Sn-F C-\-¯n \n-Ip-Xn-sbm-gn-hv \Â-In h-cp-¶p-|v. tjm¸nw-Kv, `-£-W-s¨-e-hp-IÄ, a-äp hn-t\m-Z ]-cn-]m-Sn-IÄ C-h-bp-sS sN-e-shm-¶pw Cu C-\-¯n h-I-sIm-Ån¡m-\m-In-Ã. \m-ep hÀ-j-¯n-\n-S-bn c-|p X-h-W am-{X-am-Wv \n-Ip-Xn-sbm-gn-hv e-`n-¡p-I. hn-tZ-i bm-{XIÄ-¡v Cu-sbm-gn-hv e-`n-¡n-Ã. bm-{X sN-¿p-¶-Xv sdbvÂ-th, F-bÀ {Sm-hÂ, ]-»n-Iv {Sm³-kv-t]mÀ-«v h-gn-bmbn-cn-¡-W-sa-¶pw \n-_-Ô-\-bp-|v.

4

sam-_o do Cw-t]-gv-kv-saâ v

ho-Sp-I-fn D-]-tbm-Kn-¡p-¶ sam-_o t^m¬, em³-Uv-sse³ F-¶n-h-bp-sS sN-e-hn-t•Â do Cw-t]-

26

s^{_phcn 15, 2020

[\w hyh-kmb hmWnPy ssZzhm-cnI

Nn-In-Õm sN-e-hp-I-fn-t•Â \n-Ip-Xn-bm-\p-Iq-eyw t\Sp-¶-Xn-\p-Å h-Ip-¸m-Wn-Xv. kz-b-am-b-tXm Ip-Spw-_¯n-tâ-tbm B-{in-X-cm-b c-£-IÀ-¯m-¡-fp-tS-tbm t]-cn-ep-Å sa-Un-¡Â C³-jp-d-³-kv {]o-an-b-¯n-t•Â \n-Ip-Xn-bn-f-hv t\-Smw. 25,000 cq-]-bm-Wv C-Xn-sâ ]-cn[n. F-¶m ap-XnÀ-¶ ]u-c-•m-cm-b c-£-IÀ-¯m-¡-fpsS {]o-an-b-¯n-t•Â 50000 cq-] h-sc C-f-hv e-`n-¡pw.

5000 cq-]-h-sc- slÂ-¯v sN-¡-¸p-IÄ-¡pw \n-Ip-Xn-bnf-hp-|v. sXm-gnÂ-Zm-Xm-hv \n-§Ä-¡m-bn sa-Un-¡Â C³-jp-d³-kv {]o-an-bw A-S-bv¡p-¶p-s|-¦n A-Xn\pw 80 Un {]-Im-cw C-f-hn-\m-bn AÀ-l-X-bp-|v.

9 10

`-h-\ hm-bv-]-bp-sS ]-en-i (sk-£³ 80 kn, sk-£³ 24)

`-h-\ hm-bv-]-bp-sS ]-en-i-b-S-hn 2 e-£w cq-] h-sc \n-Ip-Xn-bn-f-hv e-`n-¡pw.

hn-Zym-`ym-k hm-bv-] (sk-£³ 80 C)

\n-Ip-Xn Zm-b-I³, a-¡Ä, Po-hn-X-]-¦m-fn F-¶n-h-cnemÀ-s¡-¦n-epw th-|n-sb-Sp-¯ hn-Zym-`ym-k hm-bv-]bn-t•Â \n-Ip-Xn-bn-f-hp-|v. _m-¦p-I-fn \n-t¶m AwKo-Im-c-ap-Å a-äp [-\-Im-cy Øm-]-\-§-fn \n-t¶m F-Sp-¯ hm-bv-]-IÄ-¡m-Wn-Xv. hm-bv-] Xn-cn-¨S¨p Xp-S§n-b-Xp ap-X F-«p hÀ-j-t¯-¡v C-¯-c-¯n \n-IpXn-bn-f-hn-\m-bn A-t]-£n-¡mw.

kv-äm³-en sP-bnw-kv

FCA,

NmÀ-t«-Uv F-¡u-|âv l

tNm-Zyw: Rm³ tI-c-f-¯n kn-aâv hym-]m-cw \-S-¯p-¶-bm-fm-Wv. F-sâ ]À-t¨-kv _n-Ãn-t·-ep-Å Pn-F-kv-Sn 3 B dn-t«¬ sN-¿p-t¼mÄ C³-]p-«v B-bn F-Sp¯n-cp-¶p. ]p-Xp-¡n-b \n-b-aw A-\p-k-cn-¨v Cu \n-Ip-Xn-¡v F-s´-¦n-epw \n-b-{´-W§Ä D-t|m?

D-¯-cw: GST Rule Amendment 36 (4) {]-Im-cw taÂ-¸-d-ª C³-]p-«v Sm-Iv-kv F-Sp¡-W-sa-¦n Nn-e hy-h-Ø-IÄ _m-[-I-amWv. k-ss¹ sN-¿p-¶ I-¼-\n-IÄ dn-t«GSTR-1 A-]vtem-Uv sN-¿p-I-bpw Xm-¦Ä 2A ]-cn-tim-[n-¡p-t¼mÄ A-Xn \n-Ip-Xn A-S-¨-Xm-bn sX-fn-ªm am-{X-ta C³-]p-«v Sm-Iv-kv F-Sp-¡p-hm³ D-Å tbm-Ky-X D-Åq.

Pn-F-kv-Sn-bp-sS sk-£³ 16 {]-I-mcw C³]p-«v F-Sp-¡m³ taÂ-¸-d-ª Kp-Uv-kv tKmUu-Wn F-¯p-I-bpw ]À-t¨-kv _n- ssI-h-iw D-Å hy-h-Ø-bn C³-]p-«v Sm-Iv-kv F-Sp-¡m-am-bn-cp-¶p. C-Xn-\v ]p-d-sa k-s¹-bÀ A-]vtem-Uv sN-bv-Xn-«p-Å dn-t«-Wnsâ \n-Ip-Xn 10 i-X-am-\w s{]m-hn-j-W hy-h-Ø-bn F-Sp-¡p-hm³ D-Å tbm-KyX-bm-Wv D-Å-Xv. DZm-lcWw A H-cp e-£w cq-]-bp-sS kn-aâv B F-¶ hym-]m-cn-¡v hnÂ-¡p-¶p. Pn-F-kv-Sn 28 i-X-am-\w. sam¯w Xp-I 128000 cq] aq-¶v _n-Ãp-I-fm-bn hnÂ-¡p-¶p.

B F-¶ hym-]m-cn Form 2 A ]-cn-tim-[n¡p-t¼mÄ 10,000 cq-]-bp-sS \n-Ip-Xn D-Å _n-Ãp-IÄ B-Wv Im-Wp-¶-Xv. F-¶m A-Xn-\v D-]-cn 1000 cq-] A-[n-I-am-bn F-Sp¡m-hp-¶-Xm-Wv. A-Xm-b-Xv 10000¯n-sâ 10 i-X-am-\amb 1000sâ taÂ-¸-d-ª hy-h-ØIÄ P-\p-h-cn 2020 ap-X {]m-_-ey-¯n h-¶p. C-Xv hym-]m-cn-IÄ-¡v dn-t«¬ ^-b sN-¿p-¶-Xv Iq-Sp-X Zp-jv-¡-c-am-¡p-¶p. l tNm-Zyw: Rm³ H-cp _nÂ-UÀ B-Wv. tPm-bvâv sh-©zÀ hy-h-Ø-bn ^v-fm-äpIÄ ]-Wn-Xv hnÂ-¸-\ \-S-¯p-¶p. F-\n-¡v ]p-Xp-¡n-b Pn-F-kv-Sn \n-c-¡p-IÄ G-sXÃm-am-Wv. D-¯-cw: G-{]n am-kw 2019 ap-X ^v-fm-äp-IÄ ]-Wn-Xv hnÂ-¡p-¶ _nÂ-UÀamÀ-¡v ]p-Xp-¡n-b \n-Ip-Xn \n-c-¡p-IÄ -\n-e-hn h-¶p. Affordable residential appartments (sN-dn-b sd-kn-U³-jy t{]m-P -Iv-äp-IÄ, Hm-tcm bq-Wn-äp-I-fpw 45 e-£w cq]-bn Ip-d-hpw ImÀ-¸-äv G-cn-b 90 kv-IzbÀ ao-äÀ, kn-än-I-fn D-Å-Xpw) hnÂ-¸-\ \-S-¯p-t¼mÄ H-cp i-X-am-\w \n-Ip-Xn-bpw a-äv km-l-N-cy-§-fn hnÂ-¡p-¶ ^v-fm-äpIÄ-¡v A-©v i-X-am-\w \n-Ip-Xn-bpw _m-[I-am-Wv. C³-]p-«v Sm-Iv-kv \n-Ip-Xn H-cp kml-N-cy-¯n-epw Kp-Uv-kn-sâ-tbm tk-h-\-§fp-sS-tbm sa-jn-\-dn-bp-tS-tbm F-Sp-¡p-hm³ D-Å tbm-Ky-X C-Ã.

K-h¬-saâv 18 i-Xa - m-\w Pn-Fk - vS- n-bn \n-¶v A-©v i-Xa - m-\w B-bn Ip-d¨ - X - p h-gn ^vf - m-äp-If - p-sS hn-e Ip-db - p-sa-¶ {]-Xo-£bn B-bn-cp-¶p. F-¶n-cp-¶m-epw _nÂ-UÀam-cp-sS C³-]p-«v Sm-Ivk - v H-cp sN-eh - m-bn C-t¸mÄ I-W¡ - m-¡p-Ib - pw A-Xp-hg - n ^vf - m ä - p-If - p-sS hn-e D-bc - p-hm-\pw Im-cW - a - m-Ip-¶p. tPm-bvâv sh-©zÀ B-sW-¦n `q-DS- a - b - psS sjb-dn\v Pn-Fk - vS- n _m-[I - a - m-Wv. Cu \n-Ip-Xn dn-th-gvk - v NmÀ-Pv sa-¡m-\n-kw- h-gn (RCM) _nÂ-UÀ-amÀ A-St - ¡-|X - m-Wv.

Adnbq, ]n]nF^nse ]pXnb amä§Ä

sse^v kÀ«n^n¡äv lmPcm¡m³ s]³j³Imsc C\n _m¦v HmÀan¸n¡pw

F¶pw \n-t£-]-I-cp-sS {]n-b-s¸-« \n-t£-]-amÀ-Kam-b ]-»n-Iv t{]m-hnUâv ^-|v ]pXn-b amä-§-tfm-sS ho|pw B-IÀ-j-I-am-¡n-bn-cn-¡p-¶p

F

¡m-e¯pw FÃm-h-cp-tSbpw {]nb-¦-c-a-m-b \nt£-] amÀ-K-am-Wv ]-»n-Iv t{]m-hnUâv ^-ïv AY-hm ]n]n-F^v. Ip-«n-I-fp-sS D-¶-X hn-Zym`ymkw, hn-hmlw, dn-«-bÀ-saâv XpS§n F-´v B-h-iy-¯n\pw ]n-]n-F-^p I-sf B-{i-bn-¡m-dp-ïv. "{Sn-¸nÄ C' s_-\-^n-äm-Wv ]n-]nF-^p-I-fp-sS H-cp {][m-\ B-IÀjWw. A-XmbXv \n-t£-]n-¡p-¶ Xp-I-bv¡pw A-Xn-\p e-`n-¡p-¶ ]-eni-bv¡pw Im-emh-[n ]qÀ-¯n-bm-Ipt¼mÄ In-«p-¶ Xp-I-bv¡pw \n-Ip-Xn \Â-tI-ï-XnÃ.

K-h¬-saâv Hm-^v C-´y ]pXn-b am-ä-§Ä h-cp-¯n-btXmsS ]n-]nF-^v Iq-Sp-X B-IÀ-j-I-am-bn-cn-¡p¶p.

\nt£] X-h-W-bv-¡v ]-cn-[n-bnà t\c-s¯ H-cp km-¼¯n-I hÀ-j-¯n 12 X-h-W-bn Iq-SpX \n-t£-]w A-\p-h-Zn-¡p-am-bn-cp-¶nÃ. am-{X-aà A©nsâ Kp-Wn-X-§-fm-bn am-{X-ta \n-t£-]w km-[y-ambn-cp-¶pÅp. Cu c-ïp Im-cy-§-fnepw am-äw h-¶n-«pïv.

50Xn-sâ Kp-Wn-X-§-fm-bn F-{X X-h-W th-W-sa¦nepw C-t¸mÄ \n-t£-]n-¡mw. F-¶m H-cp km-¼ ¯n-I hÀ-jw]-c-amh-[n \n-t£-]n-¡m-hp-¶Xv 1.5 e-£w cq-]-bmWv.

Im-e-mh-[n-¡p ap³-]p- ]n³-h-en-¡mw Nn-e km-l-N-cy-§-fn ]n-]nF-^v A-¡u-ïv XpS§n A-©p hÀ-j-¯n-\p-ti-jw Im-em-h-[n-¡p ap³-]p-Å ]n³-h-en-¡Â A-\p-h-Zn-¡m-dpïv. ]n-]nF-^v D-S-a-bvt¡m ]-¦m-fnt¡m a-¡Ä-t¡m, am-Xm-]n-Xm-¡-Ät¡m Poh-\v

k

À-¡m-cn \n¶pw s]³-j³ e-`n-¡p-¶-hÀ FÃm-hÀ-jhpw \-hw-_À 30 \v ap³]v sse-^v kÀ-«n-^n¡-äv lm-P-cm-t¡-ï-Xpïv. F-¶m ]-e Im-c-W§Ä-sImïpw s]³-j³ D-S-a-IÄ-¡v C-Xp km-[n-¡m-sX h-cpIbpw s]³-j³ ap-S-§p-Ibpw sN-¿p-¶ A-h-Ø-bm-Wv \n-e-hn-ep-ÅXv. C-Xn-s\mcp ]-cn-lm-c-am-bn _m-¦p-I-tfm-Sv F-kv-FwF-kv h-gnbpw C sa-bv h-gn-bpw s]³-j-t\-gv-kn-s\ A-teÀ-«v sN-¿m³ B-h-iy-s¸-«n-cn-¡p-I-bm-Wv Un¸mÀ-«v-saâv Hm-^v s]³j³ B³Uv s]³-j-t\gv-kv shÂ-s^-bÀ. im-cocn-I A-h-i-X-IÄ A-\p`hn-¡p-¶ s]³-j³-Im-cpsS ho-«n h-¶v sse-^v kÀ-«n-^n-¡-äp-IÄ ti-J-cn-¡-m-\p-Å ku-I-cy-hpap-ïv. FÃm-hÀ-jhpw HIvtäm_À 24, \-hw_À 1, \-hw-_À 15, \-hw-_À 25 F-¶n§-s\ \m-ev Xh-W-bm-Wv F-kv-FwFkv/ Cþsa-bv A-b-¡pI. amÀ-¨v 2019 se -IW¡p {]-Imcw kn-hnÂ, Un^³kv, sSen-tImw, sd-bvÂth, t]m-kv-ä F-¶nhn-S-§Ä DÄ-s¸-sS-bp-Å tI-{µ K-h¬-saâv s]³j³--Im-cp-sS F-®w 65,62,465 B-Wv. \-hw-_À 30 \v A-Iw sse-^v kÀ-«n-^n¡-äv k-aÀ-¸n-¡m³ I-gn-bm¯-hÀ¡v A-Sp-¯ am-kw apX s]³-j³ hn-Xc-Ww ap-S-§pw. ]n-¶o-Sv s]³j-WÀ sse-^v kÀ-«n-^n¡-äv k-aÀ-¸n-¨m-te hn-XcWw ]p-\-cm-cw-`n¡q.

C-\n ap-X Un-kw-_À H¶n\vv ap³-]v _m-¦pIÄ s]³-j-\n \n-¶v H-gn-hm-¡n-b-h-cp-sS en-Ìv k-_v-an-äv sN-¿p-Ibpw thWw.

`o-j-Wn-bm-Ip¶ tcm-K-§Ä- h-¶p s]-«m A-Xn-\pÅ Nn-In-Õ-bv-¡p th-ïn-. A-sÃ-¦n Ip-«n-I-fp-sS D-]cn-]T-\w, hn-tZi-¯v Xm-a-k-am¡Â Xp-S§nb km-l-N-cy-§-fn ap³IqÀ t¢m-kv sN-¿m-\m-Ipw. F-¶m C-Xn-\v H-cp i-X-am-\w s]\mÂänbpïv.

Ip-d-ª \n-c-¡n hmbv] {l-kz-Im-e-t¯-¡p-Å ]-W -¯n-sâ B-h-iy-§Ä t\-Sm³ ]-ecpw ]n]nF-^v A¡u-ïn \n-¶v hm-bv-]-sb-Sp-¡mdpïv. t\c-s¯ C¯-cw hm-bv-]-IÄ-¡v ]n-]n-F-^n-\v e-`n-¡p-¶ ]-en-itb-¡mÄ c-ïp i-X-am-\w A[nI ]en-i \Â-I-W-ambn-cp¶p. F-¶m CXv H-cp i-X-am-\-w Ipd¨v 8.9 i-X-am\-am¡n. C-t¸mÄ e-`y-am-bn-«p-Å-Xn G-ähpw Ip-d-ª ]en-i \n-c-¡m-sW-¶-Xn-\m hen-b _p-²n-ap-«nÃm-sX hmbv-] Xn-cn-¨-S-bv-¡m³ km-[n-¡p-¶p-sh-¶-Xm-Wv C-Xnsâ KpWw. t]m-kväv Hm-^o-kv h-gn-bm-Wv ]n-]nF-^v A-¡uïv Xp-d-¡p¶-sX-¦n t]m-kväv Hm-^o-kv tk-hnw-Kvkv A-¡u-ïv sN-¡v h-gn G-Xp t]m-kväv Hm-^o-kv im-Jbnepw \n-t£-]n-¡m³ km-[n-¡pw. 1.5 e-£w cq-] h-sc -bp-Å F-{X Xp-Ibpw \n-t£-]n-¡mw. t\c-s¯ sN-¡v Xp-I 25000 B-bn \n- P - s ¸- S p- ¯ n- b n- c p¶p.

C¯-c-¯nse ]pXn-b amä-§-sfÃmw Xs¶ ]n-]nF-^ns\ hoïpw B-IÀj-I-am-¡n-tb-¡pw.

Stock Market

HUDCO

(Housing & Urban Development Corporation Ltd)

C

¯hW \n-t£-]-IÀ-¡v th-|n ]-cn-N-b-s¸-Sp-¯p-¶ Hm-l-cn-bm-Wv lUvtIm AY-hm lu-knw-Kv & AÀ-_³ U-h-e-]v-saâv tImÀ-¸td-j³ en-an-äUv. 47 hÀ-j-s¯ {]-hÀ-¯-\ ]m-c-¼-cy-ap-Å I-¼-\n-bm-Wv lUvtIm. Kh¬-saâv Hm^v C-´y-bp-sS \n-b-{´-W-¯n D-Å-Xpw I-gnª c-|p hÀ-j-¯n-\p-Ån en-Ìv sN-¿-s¸-«-Xp-am-b an\n-cXv-\ I-¼-\nbm-WnXv. I-gn-ª c-|p hÀ-j-s¯ {]-I-S-\w F-Sp-¯p t\m-¡n-bm 102 cq-]-bn \n-¶pw hn-e Xm-tgm-«v C-d-§n 28 cq-] h-sc h-¶n-«p-|v. F-¶m-epw Cu Hm-l-cn-bn Im-Wp-¶ DbÀ-¶ A-ØncX \n-t£-]-I-\v {lkz-Im-e¯nepw ZoÀ-L-Im-e-¯nepw D-bÀ-¶ em-`w t\-Sn-¯-cm-\pÅ km-[y-X IqSp-X-em-Wv. 2019  Cu Hm-l-cn 8.25iXam\w Un-hn-Uâv \Â-In-bn-«p-|v. AXp-t]m-se 2018  \Â-In-b Un-hn-Uâv Bdv iXam\w B-Wv. AXmb-Xv Un-hn-U³-Uv hÀ-jm-hÀ-jw D-bÀ-¶p h-cp-¶p|v. cm-Py-s¯ ]-e {]-ap-J ayq-Nz ^-|p-I-fpw CXn \nt£]w \-S-¯n-bn-cn-¡p-¶p F-¶-Xv Cu I-¼-\n-bp-sS h-fÀ-¨sb h-f-sc t]m-kn-äo-hv B-bn Im-Wp-¶-Xn-\v sX-fn-hmWv. Fkv-_n-sF am-áw ayq-NzÂ^-|v ap-Jy \n-t£-]-I-cmWv. lUvtImbpsS ]²Xn km-[y-X-IÄ, h-fÀ-¨ F-¶n-h-sb-Ãmw h-f-sc t]m-kn-äo-hv B-bn ]-cn-K-Wn-¡m³ a-säm-cp ImcWw 90 i-X-am\w Hm-l-cn-bpw K-h¬-saâv Hm^v C-´y-bp-sS I-¿n-em-Wv F-¶-XmWv. Im-en-¡-äv F-bÀ-t]mÀ-«v, sIm¨n³ F-bÀ-t]mÀ-«v F-¶n-h-sbm-s¡ I-¼-\n-bp-sS ]-²-Xn-I-fn Nn-e-XmWv. C-´y t]m-ep-Å H-cp cm-Py-¯v C-\nbpw Iq-Sp-X kÀ-¡mÀ ]-²-XnIÄ¡pw lu-knw-Kv B³-Uv U-h-e-]v-saâv t{]m-P-Îp-IÄ¡pw hf-sc km[y-X-bp-s|-¶Xpw I-¼-\n-bp-sS {]m-[m-\y-ap-bÀ-¯p¶p. H-cp temw-Kv tSw \n-t£-]w F-¶ \n-e-bv¡v ]-cn-K-Wn-¡m-hp-¶ Hm-l-cn-bm-WnXv. C³-{^m kq-Nn-I-IÄ \-à co-Xn-bn {]-I-S-\w Im-gv-N sh-¨m Cu Hm-l-cn A-Sp-¯ e-£y-am-b 60 cq-] a-dn-I-S-¡m-\p-Å km[y-X Iq-Sp-X-emWv. Hml-cn ip-]mÀi: CIzn-än C-´y dn-kÀ-¨v. Iq-Sp-X hn-h-c-§Ä-¡v: 85474 84769 (\nt£-]-tbm-Kyamb Hml-cn-sb ]-cn-N-b-s¸-Sp¯p-I am-{X-am-Wn-hnsS. \nt£-]IÀ kz-´w D-¯-c-hm-Zn-¯-¯n thWw Hm-l-cn-I-fn \n-t£-]n-¡m³)

OUTSOURCING

THE MANTRA FOR COST SAVINGS AND EFFICIENCY

Quality Accounting, statutory compliance and guaranteed services at affordable costs

Your reliable partner in outsourcing all accounting and statutory matters RHO consulting team will takeover your load and responsibility to keep all your accounting updated for smooth accounting, banking, tax payments, billing, recovery of dues, payroll, audits, overall tax compliance load etc.

For details contact:

info@rhoconsulting.in www.rhoconsulting.in

+91 98470-83034, +91 82812-93167 [\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

27

_nkn-\kv tIcf BUSINESS KERALA

]pXnb ImdpIÄ InXbv¡pt¼mÄ

bqkvUv ImdpIÄ IpXn¡p¶p

C-c-« A-¡-¯n-em-Wv 2019Â bq-kv-Uv ImÀ hn-]-Wn h-fÀ-¶-Xv

Un tÌmÀ tIcf¯n {]hÀ¯\w XpS§n _n

Â-Unw-Kv sa-äo-cn-b hn-]-W-\ cw-K-¯v Iq-«m-bv-a-bn-eqsS ]p-Xn-b kw-cw-`-¯n-\v Xp-S-¡w. C-´y-bn-se-bpw ssN\-bn-se-bpw an-Uv Cu-Ìn-se-bpw Cu cw-K-¯p-Å A-©v _n-kn-\-kv {Kq-¸p-I-fp-sS Iq-«m-bv-a-bn hn-cn-ª Un tÌmÀ Uo-am-Iv-kv Câ-t{K-ä-Uv _n-kn-\-kv skm-eq-j³-kv tI-c-f-¯n-se {]-hÀ-¯-\-§Ä-¡v Xp-S-¡w Ip-dn-¨p. B-kv-tIm (ASCO), Im- _ v - k yqÄ ( KABSULE)

sIm

-¨n C³-t^m-]mÀ-Iv Po-h-\-¡m-c-\m-b \nJn X-sâ ]-g-b ImÀ H-¶v am-än ]p-Xnsbm-cp sk-Um³ hm-§m³ F-Ãmw Xo-cp-am-\n-¨pd-¸n-¨-Xm-bn-cp-¶p. Cu hn-e-bn \-à {]o-an-bw bq-kv-Uv Im-dp-IÄ In-«p-sa-¶ kp-lr-¯n-sâ hm¡p-I-fm-Wv B h-gn-s¡m-¶v A-t\z-jn-¡m³ \n-Jnen-s\ t{]-cn-¸n-¨-Xv. A-t\z-j-W-¯n-s\m-Sp-hn hn]-Wn-bn 16 e-£w cq-] hn-e-bp-Å-Xpw F-¶m h-f-sc Ip-d-¨p-am-{Xw D-]-tbm-Kn-¨-Xp-am-b F-kv. bp.hn H-¼-Xv e-£w cq-]-bv-¡v \n-Jn-en-\v e-`n-¨p.

X-sâ {Uow ImÀ Ip-d-ª hn-e-bv-¡v kz-´-am-¡m³ I-gn-ª-Xn-sâ k-t´m-j-¯n-em-Wv \n-JnÂ. C-¯-

Wp-|m-b-Xv. 2019 sam-¯w hn-ä-Xv 4.2 Z-i-e-£w bq-kvUv Im-dp-I-fm-Wv. Cu hÀ-jw 15 i-X-am-\w h-fÀ-¨-bm-Wv {]-Xo-£n-¡p-¶-Xv. km-¼-¯n-I-am-µy-¯n-sâ Im-e-L-«-¯n h-ensbm-cp Xp-I ]p-Xn-b Im-dn-\m-bn ap-S-¡m-\p-Å a-Sn, an-I-¨ bq-kv-Uv Im-dp-IÄ hn-]-Wn-bn e-`y-am-b-Xv, _n-F-kv B-dv a-en-\o-I-c-W am-\-Z-Þ-§Ä G-{]n H-¶v ap-X \n-e-hn h-cp-¶-Xv, bq-kv-Uv ImÀ cw-Kt¯-¡v HmÀ-K-ss\-kv-Uv s¹-tb-gv-kn-sâ Iq-Sp-X-em-bpÅ I-S-¶p-h-c-hv, Hm¬-sse³ hnÂ-¸-\ hym-]-I-am-b-Xv...

Xp-S-§n-b H-t«-sd Im-c-W-§-fp-|v Cu ap-t¶-ä-¯n-\v ]n-¶nÂ.

hm§Â coXnbnepïmb amäw

c-¯n ]p-Xn-b Im-dp-IÄ-¡v e-`n-t¡-| hnÂ-¸\ bq-kv-Uv Im-dp-IÄ X-«n-sb-Sp-¡p-I-bm-Wv. ]pXn-b Im-dp-I-fp-sS hnÂ-¸-\ C-Sn-bp-t¼mÄ C-c-« A-¡-¯n-em-Wv bq-kv-Uv Im-dp-I-fp-sS hnÂ-¸-\ IpXn-¡p-¶-Xv. 2019 G-{]n ap-X Un-kw-_À h-sc-bp-Å Im-e-L«w ap³ hÀ-jw C-tX k-a-b-s¯ A-t]-£n-¨v ]p-Xn-b ]m-k-©À Im-dp-I-fp-sS hnÂ-¸-\-bn 16.40 i-X-am-\am-Wv C-Sn-hp-|m-b-Xv. F-¶m bq-kv-Uv ImÀ hn-]Wn C-tX Im-e-L-«-¯n 12 i-X-am-\w h-f-cp-I-bm-

I-gn-ª G-Xm-\pw hÀ-j-§-fm-bn D-]t`m-àm-¡-fp-sS hm-§Â co-Xn-I-fn am-äw h-¶p-sIm-|n-cn-¡p-I-bm-Wv. 10 hÀ-jw ap-¼p-h-sc H-cp ImÀ hm-§nbm B-fp-IÄ A-Xv 8þ10 hÀ-jw h-sc D-]-tbm-Kn-¨n-cp-¶p F-¶m-en-t¸mÄ A-Xv 3þ5 hÀ-j-am-bn Ip-d-ªn-cn-¡p-¶p. 1þ2 hÀ-jw sIm-|v ImÀ am-äp-¶-h-cpw [m-cm-fw. ^-e-tam bq-kv-Uv ImÀ hn-]-Wn-bn-te-¡v ]p-Xn-b Im-dp-I-sf sh-Ãp-¶ bq-kv-Uv Im-dp-I-sf-¯p-¶p.

C-´y-bn I-gn-ª aq-¶v hÀ-j-am-bn 1:1.2 F-¶ A-\p]m-X-¯n-em-Wv ImÀ hnÂ-¸-\. A-Xm-b-Xv H-cp ]p-Xn-b ImÀ hnÂ-¡p-t¼mÄ 1.2 bq-kv-Uv Im-dp-IÄ hnÂ-¡p-¶p. _n-F-kv \m-ev hm-l-\-§-fpw _n-F-kv B-dv hm-l\-§-fpw X-½n-ep-Å hn-e-hy-Xym-kw h-f-sc h-ep-Xm-sW¶-Xpw bq-kv-Uv Im-dp-IÄ B-IÀ-j-I-am-b hn-e-bn e-`n¡m³ Im-c-W-am-bn.

Sq-ho-e-dp-I-fn \n-¶v Im-dp-I-fn-te-¡v F-¯p-¶-hcm-Wv bq-kv-Uv Im-dp-I-fp-sS {]-[m-\ D-]-t`m-àm-¡Ä.

F-¶m {]o-an-bw bq-kv-Uv Im-dp-I-fp-sS Im-cy-¯n A-X-à Øn-Xn. sk-en-{_n-än-IÄ, h³-In-S _n-kn-\kp-ImÀ Xp-S-§n H-t«-sd-t¸À A-Xym-Uw-_-c bq-kv-Uv Im-dp-IÄ hm-§p-¶p. tI-c-f-¯n {]o-an-bw bq-kv-Uv Im-dp-I-fp-sS hn-]-Wn-bn h³ -h-fÀ-¨-bp-|m-Ip-¶ \mfp-I-fm-Wv h-cm-\n-cn-¡p-¶-sX-¶v tdm-b ss{U-hv {]oHm¬-Uv ImÀ-kn-sâ sN-bÀ-am³ & am-t\-Pnw-Kv U-b-dIv-äÀ ap-Po-_v d-Òm³ ]-d-bp-¶p.

D]mkn \n¶v ]pXnb aq¶v D¸¶§Ä

D]mkv

d_ssdkUv sImbÀ t{]mUIväv-kv aq¶p ]pXnb D¸¶§Ä IqSn hn]Wnbnend¡n. Feo\ F¶ t]cn t]m¡äUv kv{]nwKv s_Uv, hÀW {]oanbw IbÀ am{Skv, kphÀW {]oanbw ]ntÃm tSm¸v IbÀ am{Skv F¶nhbmWv hn]Wnbn Ah Xcn¸n¨ncn¡p¶Xv. \ne¼qcnse So¡v SudntkmÀ«n \S¶ hnâÀ aoänt\mS\p_Ôn¨mWv D¸¶§Ä ]pd¯nd¡nbXv. \ne¼qÀ ap\nkn¸Â sNbÀt]gv-k¬ ]ßn\n tKm]n\mYv, kÀ¡nÄ C³kv-s]ÎÀ kp\n ]pfn¡Â, I¼\nbpsS UbdIväÀ bp ]n AÐp kaZv XpS§nbhÀ ]s¦Sp¯p.

28

s^{_phcn 15, 2020

[\w hyh-kmb hmWnPy ssZzhm-cnI

F-¶o {_m³ -Up-I-fn kn-]n _m¯v ^n-änw-Kv-kv, ]-¼v sk -äv, km-\n-ä-dn sh-bÀ, In¨³ kn-¦v Xp-S-§n-b Un tÌmÀ A-hX-c-W thf DÂ-¸-¶-§ fm-Ipw I-¼-\n \nÀ-an-¨v hn-]-Wn-bn-en-d-¡p-I. Iq-Sm-sX Cu ta-J-e-bn {]-hÀ-¯n-¨p-sIm-|n-cn-¡p-¶ hn-tZ-i I-¼-\n-I-fp-sS-bpw \n-e-hn-se do-sä-bv _n-kn-\-kp-Imcp-sS-bpw k-l-I-c-W-t¯m-sS kw-Øm-\-¯m-sI 100 Un tÌmÀ Hu-«v-se-äp-IÄ Xp-S-§m-\pw ]-²-Xn-bp-s|-¶v sN-bÀ-am³ A-Ðp I-_oÀ a-¨-t©-cn, am-t\-Pnw-Kv Ub-d-Iv-äÀ jn-lm-_p-±o³ A-a-te-cn, No-^v F-Iv-kn-Iyq«n-hv Hm-^o-kÀ j-^o-J-en Sn-Sn F-¶n-hÀ ]-d-bp-¶p. B-Zy-]-Snbm-bn a-e-¸p-dw F-S-¸m-fn Un-kv-t¹-tbm-Sp Iq-Sn-b tjmdqw s^-{_p-h-cn A-h-km-\ hm-cw Xp-S-§pw. Un tÌmÀ I-W-Iv-äv F-¶ t]-cn kÀ-ho-kv ta-J-e-bn-te-¡v Iq-Sn I-S-¡m-s\m-cp-§p-I-bm-Wv C-hÀ. tjm-¸v D-S-a-IÄ A-\p`-hn-¡p-¶ ]-¯p {]-iv-\-§Ä-¡v ]-cn-lm-c-hp-am-bm-Wn-Xv Xp-S-§p-I. _nÂ-Unw-Kv sa-äo-cnb-ep-am-bn _-Ô-s¸-« _n-kn-\kn ]-Xn-äm-|p-I-fp-sS {]-hÀ-¯-\ ]-cn-N-b-ap-Å A-©p {Kq-¸p-I-fm-Wv a-e-¸p-dw Xn-cqÀ B-Øm-\-am-b Cu kw-cw`-¯n-\v ]n-¶n-ep-Å-Xv.

A\pkvacWw

Ah®qÀ \mcmbW³ \¼qXncn kz-cp bw h-{]-gn-Xsh-n-`«-bn m-\-bSn-c-sp-¶m¶p

A-Sp-¯n-sS A-´-cn-¨ hy-h-km-b {]-ap-J³ A-h-®qÀ \m-cm-b-W³ \-¼q-Xn-cn. a-e-_m-dnse \-¼q-X-n-cn k-ap-Zm-b¡mÀ tPm-en-bn-te-t¡m hy-h-km-b cw-K-t¯t¡m {]-th-in-¡m³ hnap-J-X Im-Wn-¨n-cp-¶ H-cpIm-e-¯v kz-´-am-bn kw-cw-`w Xp-S-§n-b hy-àn-bm-Wn-t±-lw. 1972 a-e-¸p-dw Pn-Ã-bn-se s]-cn-´Â-a-®-bv-¡-Sp-¯v tem-l-in¸n F-¶ kw-cw-`w Xp-S-§n \m-cm-b-W³ \-¼q-Xncn hy-h-km-b cw-K-t¯-¡v I-S-¶p. _-tbm-Kym-kv ¹mâp-IÄ, tdm-fnw-Kv j-«-dp-IÄ, d-ºÀ tdm-fnw-Kv b-{´w F-¶n-h-sb-Ãmw a-e-_m-dn\v ]-cn-N-b-s¸-Sp¯n-b-Xv tem-l-inÂ-¸n-bm-Wv. tI-c-f sN-dp-In-S hy-h-km-b A-tkm-kn-tb-j-sâ Øm-]-I t\-Xm¡-fn H-cm-fm-bn-cp-¶p. _n-cp-Zm-\-´-c _n-cp-Z-hpw \n-b-a-]T-\-hpw ]qÀ-¯n-bm-¡n-b \-¼q-Xn-cn Ip-d-¨p-Im-ew h¡o-em-bn {]-hÀ-¯n-¨p. ]n-¶o-Sv am-Xr-`q-an ]-{X-¯n ]-c-ky-hn-`m-K-¯n tPm-en sN-bvXp. B-{Ô-]-{Xn-I, NnÂ-{U³-kv _p-¡v {S-Ìv F-¶n-h-bn-epw {]-hÀ-¯n-¨p. A-Xn-\n-sS hn-a kyq-«n-sâ A-S-¡-ap-Å Nn-e ]-c-ky-§-fn tamU-ep-am-bn. sI-F-kv-F-kv-sF-F ap³ {]-kn-Uâv Zm-tam-ZÀ A-h-®qÀ ]p-{X-\m-Wv.

_nkn-\kv tIcf BUSINESS KERALA

amäw hctWm?

s]mXpKXmKX kwhn[m\w D]tbmKn¡q sIm

-¨n sa-t{Sm-bn bm-{X sN-¿pA-hn-sS sh-dpw hn-I-k-\w am-{X-a-à ¶-h-cm-Wv \n-§-sf-¦n H-cp-]-s£ kw-`-hn-¡p-¶-Xv. H-cp kw-kv--Im-cn\n-§-tfm-sSm-¸w C-cp-¶ k-l-bmI am-äw Iq-Sn-bm-Wv sa-t{Sm sd-bv {Xn-I³ sIm-¨n sa-t{Sm sd-bv ensIm-|p-h-¶-Xv. s]m-Xp-C-S-§Ä P-\an-ä-Uv Fw-Un AÂ-t¡-jv Ip-amÀ §Ä D-]-tbm-Kn-¡p-¶ co-Xn-bpw s]miÀ-½ B-bn-cn-¡mw. F-Ãm-h-cpw s]m Xp-K-Xm-K-X-kw-hn-[m-\-§-tfm-Sp-Å a-Xp-K-Xm-K-X kw-hn-[m-\w D-]-tbm-Knt\m-`m-h-hpw am-dm³ sa-t{Sm sd-bv ¡-Ww F-¶v sh-dp-sX ]-d-bp-I-b-à h-gn-sbm-cp-¡n-sb-¶v AÂ-t¡-jv C-t±-lw sN-¿p-¶-Xv A-Xv kz-bw amIp-amÀ Nq-|n-¡m-«n.

Xr-I-bm-¡n Im-Wn-¨p-X-cp-I-bm-Wv. $ B-gv-N-bn H-cp Zn-\w s]msa-t{Sm-bn-epw ssk-¡n-fn-ep-sam-s¡ XpK - X m- K - X - k w- h n- [ m- \ - § Ä Hm-^o-kn-se-¯p-¶ hy-Xy-kv-X-\m-b D-]-tbm-Kn-¡p-¶p Fw-Un-bm-Wv C-t±-lw.

F-Ãm sh-Ån-bm-gv-N-bpw "]-»n-Iv ""H-cp \-K-c-¯n-sâ hn-I-k-\w {Sm³-kv--t]mÀ-«v tU' B-bn B-N-cnXo-cp-am-\n-¡p-¶ G-ä-hpw {]-[m-\ ¡m-\p-Å sIm-¨n sa-t{Sm-bp-sS Xo-cp L-S-Iw A-hn-sS F-{X t]À s]m-XpAÂ-t¡-jv Ip-amÀ iÀ-½ -am-\-¯n-\v B-th-i-I-c-am-b ]n-´p-W K-Xm-K-X-kw-hn-[m-\w D-]-tbm-Kn-¨p F-¶-Xm-Wv. F-Ãm-h-cpw s]m-Xp-K-Xm-K-X-kw-hn-[m-\- e-`n-¨-Xm-bn A-t±-lw ]-d-bp-¶p. am-t\-Pnw-Kv U-b-d-Iv-äÀ §Ä D-]-tbm-Kn-¡m³ Xp-S-§p-t¼mÄ \n-c-¯n kz-Im- A-S-¡-ap-Å Po-h-\-¡mÀ sh-Ån-bm-gv-N s]m-Xp-hm-l-\cy-hm-l-\-§-fp-sS F-®w K-Wy-am-bn Ip-d-bpw.'' sI-Fw- §-tfm ssk-¡n-tfm D-]-tbm-Kn-¨m-Wv Hm-^o-kn-se-¯pBÀ-F Fw-Un-bpw sIm-¨n³ kv-amÀ-«v kn-än an-j³ ¶-Xv. en-an-ä-Uv kn-C-H-bp-am-b AÂ-t¡-jv Ip-amÀ iÀ-½ sF- $ sIm-¨n sa-t{Sm hn-P-b-I-c-am-bn F-F-kv ]-d-bp-¶p. sIm-¨n-þ-`m-hn-bn-se _n-kn-\-kv tIsIm-¨n sa-t{Sm h-en-sbm-cp am-ä-¯n-\v Xp-S-¡-am-b-Xm{µw F-¶ hn-j-b-¯n thÄ-Uv t{S-Uv skâÀ sIm-¨nbpw C³-tUm-þ-P-¸m³ tNw-_À Hm-^v sIm-ta-gv--kv tI-c-f bn AÂ-t¡-jv Ip-amÀ ]-d-bp-¶p. ''C-t¸mÄ Zn-h-tk-\-bp(INJACK)bpw tNÀ-¶v kw-L-Sn-¸n-¨ NÀ-¨-bn ]-s¦-Sp- Å ssd-UÀ-jn-¸v 65000 B-bn-am-dn. sIm-¨n sa-t{Sm t^kv 2 ]qÀ-¯n-bm-Ip-¶-tXm-sS C-Xv C-c-«n-bm-Ip-sa-¶m-Wv ¯v kw-km-cn-¡p-I-bm-bn-cp-¶p A-t±-lw. {]-Xo-£n-¡p-¶-Xv. Im-¡-\m-Sv h-sc sa-t{Sm \o-fp-¶-Xv \nÀ $ kmw-kv-Im-cn-I-am-b am-äw -®m-b-I-am-bm-Wv t\m-¡n-¡m-Wp-¶-Xv. t^-kv 2 tPm-ensa-t{Sm sd-bv H-cp \-K-c-¯n-sâ `m-K-am-Ip-t¼mÄ IÄ \-K-c-¯n Xp-S-§n-¡-gn-ªp. C-sXm-cp 30 am-kw

\o-|p-\nÂ-¡p-¶ ]-²-Xn-bm-Wv.'' A-t±-lw ]-d-bp-¶p. sIm-¨n-sb F-Ãm AÀ-°-¯n-epw 'Kn-^v-äv' kn-än-bm-¡n am-äp-¶-Xn-\p-Å km-[y-X-IÄ AÂ-t¡-jv Ip-amÀ ]-¦psh-¨p. tI-c-f-¯n-sâ sIm-ta-gv--ky & ^n-\m³-jy X-e -Ø-am-\-am-Wv sIm-¨n. hn-hn-[ amÀ-K-§-fn-eq-sS-bp-Å IW-Iv-än-hn-än. hy-Xy-kv-X-am-b kw-kv--Im-c-§-fp-sS tI-{µw. hn-Zym-k-¼-¶-cpw kv--InÂ-Uv B-b-Xp-am-b B-fp-IÄ. sS-Iv-t\m-f-Pn & C³-kv-{Sn-b Im-w]-kp-IÄ. an-I-¨ Po-hn-X \ne-hm-cw.... Xp-S-§n sIm-¨n-bp-sS k-hn-ti-j-X-I-tf-sd-bm-Wv. sIm-¨n-sb "Kn-^v-äv' kn-än B-¡p-¶-Xn-\v B-h-iy-am-b L-S-I-§Ä AÂ-t¡-jv Ip-amÀ Nq-|n-¡m-Wn-¡p-¶p. $ cm-Pym-´-c [-\-Im-cy Øm-]-\-§Ä h-c-Ww $ aÄ-«n-\m-j-W tImÀ-¸-td-j-\p-I-fp-sS Hm-^o-kp-I-fp|m-I-Ww $ B-tKm-f tk-h-\-Zm-Xm-¡-fp-sS DÂ-¸m-Z-\-ku-I-cy§Ä h-c-Ww $ hr-¯n-bp-Å \-K-c-am-bn-cn-¡-Ww $ \-sÃm-cp kn-än sse-^v D-|m-I-Ww

\nt£] t_m[hÂIcWhpambn sFUn_nsF {Kq¸v

sF-Un-_n-sF {Kq¸v sF-Un-_n-sF _m¦v, sF-Un-_n-sF Im-]n-ä F-¶n-hÀ kw-bp-à-am-bn kw-L-Sn-¸n-¨ \n-t£-] t_m-[-hÂI-c-W sk-an-\m-dn sF-Un-_n-sF Im-¸nä dn-kÀ-¨v sl-Uv F.sI {]-`m-IÀ ¢m-kv \-bn-¡p¶p. sF-Un_n-sF \m-j-W sl-Uv in-h an-kv-{Sbpw ¢m-sk-Sp¯p

¡p-¶-tXmsS s‑I‑m-¨‑n-b‑n A-´‑mc‑m-{‑ã \‑n-e-h‑m-c-¯‑n-e‑p-Å h‑n-Z‑y‑m`‑y‑m-k Ø‑m-]-\-¯‑n-s‑â t‑]‑m-c‑mb‑v-a C-X‑n-e‑q-s‑S \‑n-I-¯‑m-\‑p‑w k‑m-[‑n¡‑p‑w‑,‑'' t‑P‑mÀ-P‑v F‑w t‑X‑m-a-k‑v ]-d -ª‑p. B-ß-h‑n-i‑z‑m-k-h‑p‑w D-¯-cØ‑m-\-s‑¯ B-Z‑y-s‑¯ CâÀh‑m-Z‑n-¯-h‑p‑w A-d‑n-h‑p-a‑p-Å B-t‑K‑m \‑m-j-W k‑v-I‑q-f‑m-b {‑S‑n-h‑m³-U‑w -f t‑\-X‑r-t‑i-j‑n-b‑n-t‑e-¡‑v D-b-c‑m³ CâÀ-\‑m-j-W k‑v-I‑qÄ s‑I‑m-¨‑n{‑]‑m-]‑v-X-c‑m-b -X-e-a‑p-d-s‑b h‑mÀ-s‑¯ b‑n-t‑e-¡‑v. s‑I‑m-¨‑n-b‑n-s‑e ]‑p-¡‑m-«‑p-S‑p-¡‑p-I-b‑m-W‑v X-§-f‑p-s‑S e-£‑y]-S‑n-b‑n-e‑p-Å N‑mÀ-«À k‑v-I‑qÄ s‑a-¶‑v F-I‑v-k‑n-I‑y‑q«‑n-h‑v Ub-d-I‑vG-s‑ä-S‑p-¯‑p-s‑I‑m-ï‑m-W‑v s‑I‑m-¨‑n³ ä-d‑p‑w t‑P‑mÀ-P‑v F‑w t‑X‑m-a-k‑n-s‑â CâÀ-\‑m-j-W k‑v-I‑qÄ {‑]-hÀa-I-f‑p-a‑m-b k-]‑v-\‑p t‑P‑mÀ-P‑v h‑y-à¯-\‑w B-c‑w-`‑n-¡‑p-¶-X‑v. N‑mÀ-«À a‑m-¡‑n. k‑v-I‑q-f‑n \‑n-e-h‑n-e‑p-Å k‑n _‑n t‑P‑mÀ-P‑v F‑w t‑X‑m-a-k‑v P‑n. h‑n-P-b-c‑m-L-h³ \‑n-e-h‑n-s‑e N‑mÀ-«À k‑v-I‑qÄ I‑mk-]‑v-\‑p t‑P‑mÀ-P‑v F-k‑vC I-c‑n-¡‑p-e-h‑p‑w I‑q-S‑m-s‑X ¼-k‑n \-h‑o-I-c-W {‑]-hÀ-¯-\CâÀ-\‑m-jW k‑n-e-_-k‑n-e‑p-Å ]‑mT‑y-{‑I-a-h‑p‑w D-ï‑m-I‑p- §Ä D-S³ B-c‑w-`‑n-¡‑p‑w. H‑mI - v‑k - v‑t- ^ ‑ m‑ À-Uv‑ b‑qW - n‑ t- h ‑ g- v‑k - n‑ ä - n‑ b - n‑  s‑a-¶‑v {‑]-k‑n-Uâ‑v t‑P‑mÀ-P‑v F‑w t‑X‑m-a-k‑v ]-d-ª‑p. a-k‑v-I-ä‑n-s‑e \‑n¶ - v‑ h‑nZ- y‑ m‑ `- y‑ m‑ k - w‑ ]‑qÀ-¯n‑ b - m‑ ¡ - n‑ b - b‑ps - I ‑ b - n‑  \‑n¶ - p‑ Å - A-¡m‑ Z- \‑nÀ-a‑m-W‑, A-S‑n-Ø‑m-\ k‑u-I-c‑y t‑a-J-e-b‑n {‑]-hÀ-¯‑n-¡‑p-¶ a‑nI - v‑ h‑nZ- K - v‑[ - ³ d‑n¨ - m‑ À-Uv‑ l‑ns - e ‑ {- _ ‑ m‑ ³-Un‑ s - â ‑ t‑\X - r‑ X - z‑ ¯ - n‑  s‑s‑k-^‑v ^-c‑m-k‑n {‑K‑q-¸‑v H‑m-^‑v I-¼-\‑o-k‑n-s‑â Ø‑m-]-I s‑N- X-s¶ ‑ b - m‑ I - p‑ w‑ s‑Im‑ ¨ - n‑ ³ CâÀ-\m‑ j - W -  k‑vI - q‑ f - n‑ s - â ‑ A-´m‑ c - m‑ bÀ-a‑m³ I‑q-S‑n-b‑m-W‑v t‑P‑mÀ-P‑v F‑w t‑X‑m-a-k‑v. I‑q-S‑m-s‑X s‑S-I‑v- {‑ã ]‑mT‑y] - ² - X - n‑ X-¿m‑ d - m‑ ¡ - p‑ I - s - b ‑ ¶ - v‑ {‑Sn‑ ³-kn‑- s - â ‑ {‑]m‑ c - w‑ ` - I - m‑ e - w‑ t‑\‑m-]‑mÀ-¡‑v I‑m-¼-k‑n-e‑p-Å {‑S‑n³-k‑v GÀ-f‑n t‑e-W‑n‑w-K‑v s‑kâÀ‑, a‑pX -  D-]t- Z‑ i - I - \ - m‑ b - n‑ X‑pS- c - p‑ ¶ s‑SI - v‑t- \ ‑ m‑ ] - m‑ À-¡v‑ Ø‑m] - I I‑p-k‑m-ä‑v A-^‑n-e‑n-t‑b-j-\‑p-Å X‑n-c‑p-h-\-´-]‑p-c-s‑¯ G-j‑y³ k‑nC - H - P‑n. h‑nP - b - c - m‑ L - h - ³ ]-dª p‑ . Ip«n-IÄ-¡v ]T-\w H-cp k‑v-I‑qÄ H‑m-^‑v _‑n-k‑n-\-k‑v X‑p-S-§‑n-b-h-b‑p-s‑S Ø‑m-]-I-\‑p-a‑m-W‑v. k-t´m-j{- ]-Zam-b {]-{In-b B-Ip-an-hn-sS F-¶v {]n³-kn-¸Â ""NmÀ-«À kv-IqÄ G-sä-Sp-¯v {Sn³-kv {]-hÀ¯-\w B-cw-`n- tam-fn kn-dnÄ ]-dªp.

NmÀ«À kv-Iqfns\ GsäSp¯v {Sn³kv sIm¨nbn ]pXnb CâÀ\mjW kv-IqÄ

h\nXIÄ¡mbn Hmdnbtâj³ t{]m{Kmw

kw

hp-a¬ F³-{S-{]-tW-gv-kv s\-ävhÀ-¡p- (Wen) am-bn k-l-I-cn-¨v s^-U-tdj³ Hm-^v C-´y³ F-Ivkv-t]m À«v HmÀ-K-ss\-tk-j³kv (FIEO) h\n-X-IÄ-¡m-bn kw-L-Sn-¸n-¨ Hm-dn-b-tâ-j³ t{]m-{Kmw sIm-¨n³ t]mÀ-«v {S-kv-äv sN-bÀ-t]-gv-k¬ tUm.Fw. _o-\ sF-FF-kv D-Zv-LmS-\w sN-¿p¶p. e-Lp D-tZym-Kv `mc-Xn P-\-d sk-{I«-dn Fkv. sh-¦n-tS-izc³, sh³ {]-knUâv joe sIm-¨u-tk¸v, t^m-dn³ t{S-Uv tPm-bvâv U-b-d-ÎÀ P-\-d sI.Fw l-cn-em sF-Sn-F-kv, FIEO tI-c-f am-t\-Pv-saâv F-Iv-knIyq-«nhv cm-Po-hv Fw.kn F-¶n-hÀ k-ao]w

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

29

_nkn-\kv tIcf BUSINESS KERALA

dnb FtÌäv tUm. \-Po-_v k-¡-dn-b

tIcf¯nsâ `mhn GXv hgn¡v?

a-

C³-U-kv-{Sn-bp-sS h-fÀ-¨-bv-¡v k-lm-b-I-cam-b c-Sn-se s]m-fn-¨p \o-¡-en-\p ti-j-ap-Å hn-[-¯nepw {]-hÀ-¯n¡p-I F-¶-Xm-Wv sd-dtI-c-f-¯n-sâ {]-tXy-In-¨v sIm-¨n-bp-sS dn-b bp-sS IÀ-¯hyw. kw-LSn-X sU-h-e-¸À-amÀ-¡v F-tÌäv hn-]-Wn-bp-sS Øn-Xn tam-i-hpw \n-cm-imB-ß-hn-izm-k-t¯m-sS {]-hÀ-¯n-¡m\pw I-Ì-aÀP-\-I-hp-am-Wv. dn-b F-kv-tä-änsâ h-fÀ-¨-bv¡v B-ß-hn-izm-k-t¯m-sS CS-]m-Sp-IÄ \-S-¯m¡mbn -A-\p-Iq-e-am-b km-l-N-cyw kr-ãn-¡p-¶\p-ap-Å k-m-l-Ncyw kr-ãn-¡m³ sd-d- k-lm-bnXn-\v hÀ-j-§-fm-bn \-S-¯n-b {]-b-Xv-\-§-fpw Cu ¡p-sa-¶m-Wv {]-Xo-£n-¡p-¶Xv. X-{´-]-c-am-bn ta-J-e-sb B-{i-bn-¨p-Å km-¼-¯n-I _-Ô-§-fpt\-cn-tS-| km-l-N-cy-§-sf t\-cn-Sp-hm³ k-lm-bsa-Ãmw ]n-t¶m-«v h-en-¡p-¶-Xm-bn B \-S-]-Sn. hp-am-bn sd-d ap-¶n-ep-|m-hp-sa-¶v I-cp-Xmw. Cu s]m-fn-¡Â \-S-]-Sn-s¡-Xn-sc C-S-s]-S \-S-¯m\n-b-a \nÀ-am-Ww bm-YmÀ-°y-am-b km-l-N-cy\m-Ip-am-bn-cp-¶-hÀ C-t¸mÄ \-S-¯p-¶ tJ-Z-{]-I-S¯n kw-L-Sn-X-cpw kp-Xm-cy-am-bn {]-hÀ-¯n-¡p\-§-fn AÀ-°-an-Ã. ¶-h-cp-am-b sU-h-e-¸À-amÀ-¡v Cu A-Xn-\-¸p-dw, s\-K-äo-hp-IÄ-¡phÀ-jw Iq-Sp-X an-I-¨-Xm-bn-cn-¡p]-cn-bm-bn ap-t¶m-«v t\m-t¡-|-Xpsa-¶m-Wv {]-Xo-£. |v. amÀ-¨v A©v ap-X G-gv h-sc _n-kn-\-kn-\v A-\p-Iq-e-a-Ãm-¯ sIm-¨n-bn \-S-¡p-¶ s{I-Um-bv km-l-N-cyw D-bÀ-¯p-¶ sh-Ãp-hn-fnkv-tä-äv tIm¬ 2020 Cu Zn-i-bn-teIÄ-¡n-S-bn tI-c-f-¯n hym-]-I ¡p-Å H-cp Np-h-Sp-sh-¸m-Wv. tI-c-am-b s\-K-än-hn-än-sb-bpw A-{]-hf-¯n-se sU-h-e-t¸-gv-kn-\p ]p-d-ta N-\m-Xo-X-am-b Im-cy-§-sf-bpw cm-Py-¯n-sâ hn-hn-[ `m-K-§-fn a-dn-I-S-¶v Cu ta-J-e-sb ap-t¶m-«v \n-¶p-Å {]-Xn-\n-[n-IÄ C-Xn sIm-|p-t]m-tI-| k-a-b-am-Wn-Xv. ]-s¦-Sp-¡p-¶p-|v.

B-Xy-´n-I-am-bn t{]m-P-Iv-äp-I-fp-sS G-sXm-cp ImÀ-ta-L-§Ä-¡n-S-bn]qÀ-¯o-I-c-W-hpw Xr-]v-Xn-I-c-am-b epw H-cp c-P-X-tc-J-bp-|m-Ipw. tIhn-X-c-W-hp-am-Wv Cu {]-{In-b-bn c-f-¯n-se Hm-tcm sU-h-e-¸-À-¡pw D-|m-th-|-Xv. hn-hn-[ A-\p-a-XnkÀ-¡m-cp-amip-`m-]v-Xn hn-izm-k-w ]IÀ¶pw IÄ, sXm-gnÂ, sh-Åw, ssh-Zyp-Xn bp-Å \n-c-´-cb-YmÀ-° Im-cy-§Ä A-dn-bn-¨p I-W-£³ Xp-S-§n-b-h- F-fp-¸-¯n sIm-|v Ahsc D-t¯-Pn-X-cm-¡mam-b B-i-b-hne-`y-am-Ip-¶-Xn-\p-Å H-cp \-S-]-Sn-bpw \p-apÅ {i-a-am-Wv s{I-Um-bv \n-a-b-¯n-eq-sS sa-¨-s¸-«n-«p-an-Ã. \-S-¯p-¶-Xv. Hm-tcm-cp-¯À-¡pw KpW ] c a mb Hm-tcm sU-h-e-¸-dpw e-£y-an-SpD-bÀ-¶ aq-eyw e-`n-¡p-¶-Xn-\v D-]am-ä-§Ä sIm¶-Xv Øm-]-\w \n-e-\nÂ-¡p-¶-Xn-\v t`m-àm-¡Ä-¡n-S-bn am-{X-a-Ã, B-h-iy-am-b am-\y-am-b em-`-am-Wv. |p-h-cm-\m-Ipk-s¹-tb-gv-kv, tIm¬-{Sm-tÎ-gv-kv, ]-t£ {]-bm-k-ta-sd-bp-Å Cu k-a{_m³-Uv-kv Xp-S-§n-b aq-ey-irw-Jsa-¶ {]-Xobw a-dn-I-S-¡-m³ Im-jv ^v-tfm h-en-b e-bn-se F-Ãm-h-sc-bpw DÄ-s¡m-|v £-bn-em-Wv L-S-I-am-Wv. D-]-t`m-àm-¡-fpw kmsI-«p-d-¸v h-cp-¯n-s¡m-|m-W-Xv. s{I-Um-bv l-N-cy-§Ä a-\-kn-em-¡n Xp-S-§n-bnsdd km-l-N-cy-§Ä «p-|v. kÀ-¡m-cp-am-bp-Å \n-c-´-c-am-b sa-¨-s¸-Sp¯s« B-i-b-hn-\n-a-b-¯n-eq-sS Kp-W-]-c-amsd-d (RERA) ]qÀ-W-am-b {]-hÀ-¯-\-§-fp-Å b am-ä-§Ä sIm-|p-h-cm-\m-Ip-sa-¶ {]-Xo-£-bnA-tYm-dn-än-bm-bn tI-c-f-¯n \n-e-hn h-¶n-cnem-Wv s{I-Um-bv Hm-tcm Zn-h-k-t¯-bpw Im-Wp-¶¡p-¶p. ]-£-]m-X-c-ln-X-ambpw dn-b F-tÌ-äv Xv. dn-b F-kv-tä-äv ta-J-e-bn Iw-^À-«v tkmF-s¶m-¶n-Ã. hn-P-b-I-c-am-bn Hm-tcm t{]m-P-Iv-äpw ]qÀ-¯o-I-cn-¡p-t¼m-gm-Wv A-hÀ b-YmÀ-°-¯n kw-Xr-]v-X-cm-Ip-¶-Xv. sU-h-e-¸À-amÀ s\-K-äo-hv [m-c-W-IÄ Xn-cpt¯-| k-a-b-am-Wn-Xv. Cu ta-J-e t\-cn-Sp-¶ sh-Ãp-hn-fn-I-fpw a-äp km-l-N-cy-§-fpw a-\-kn-em¡n B am-äw h-cp-¯p-¶-Xn C-hn-S-s¯ am-[y-a§Ä-¡pw h-en-b ]-¦p h-ln-¡m-\p-|v. hy-h-Øm ]n-g-hp-IÄ sa-¨-s¸-Sp-¯p-¶-Xn-eq-sS am-{X-ta Imcy-£-a-X Iq-«p-hm-\pw A-Xph-gn Cu ta-J-e-bn Iq-Sp-X \n-t£-]-§Ä sIm-|ph-cm-\pw I-gn-bpI-bp-Åq. G-sXm-cp ]p-tcm-K-a-\ k-aq-l-¯n-\pw X-g-¨p h-f-cm³ H-cp Xp-S-¡w B-h-iy-am-Wv, dn-b F-kv-tä-äv C³-{^m-kv-{S-Iv-NÀ sa-¨-s¸-Sp-I F-¶Xm-W-Xv. Pn-Un-]n-bn Cu ta-J-e \Â-Ip-¶ kw-`m-h\-bpw kÀ-¡m-cn-sâ h-cp-am-\-¯n-epw \n-Ip-Xn-bnepw \Â-Ip-¶ kw-`m-h-\-I-fpw kÀ-¡mÀ Xn-cn-¨dn-tb-|-Xp-|v. A-Xp-sIm-|p X-s¶ kÀ-¡mÀ Cu ta-J-e-bv-¡v A-\p-Iq-e-am-b s^-kn-en-tä-äÀ tdmÄ h-ln-t¡-|-Xp-ap-|v. C-sXm-s¡ ]-d-bm³ F-fp-¸-am-Wv. a-c-Sn s]m-fn-¨p am-än-b sI-«n-S-§fn \n-¶p-Å \n-Ip-Xn-bpw Np-¦-§-fpw sIm-|v kÀ-¡mÀ J-P-\m-hnhn\v t\-«-ap-|m-bn F-¶-Xv hn-tcm-[m-`m-k-a-tÃ? B Xp-I kÀ-¡mÀ Xn-cn-¨p \Â-tI-|-X-tÃ?

A-_m-Zv _nÂ-tU-gv-kv am-t\-Pnw-Kv U-b-d-Iv-ädpw tI-c-f s{I-Um-bv ap³ sN-bÀ-am-\p-am-Wv te-J-I³

30

s^{_phcn 15, 2020

[\w hyh-kmb hmWnPy ssZzhm-cnI

ku¯v C´y³ _m¦v AämZmbw 90 .54 tImSn 2019þ20 km¼¯nI hÀj¯nse aq¶mw ]m-Z-¯nÂ

ku¯v C´y³ _m-¦n\v 90.54 tImSn cq] AämZmbw. Ign ª km¼¯nI hÀjw aq¶mw ]mZ¯n CXv 83.85 tImSn cq]bmbncp¶p. F«v iX-am-\-am-Wv hÀ[\. {]hÀ¯\ em`w 332.01 tImSn cq]bn \n¶v 383.14 tImSn cq]bmbn. hÀ[\ 15.40 iXam\w. Aä]eni hcpam\¯n D|mb t\«amWv Cu hÀ[\ ssIhcn¡m³ klmbn-¨Xv. do-säbvÂ, ImÀjnI, Fw.Fkv.Fw.C taJe-Ifnse hmbv]m hÀ-[-\ _m¦ns\ Hcp dosäbn ] hÀ lukv B¡pI F¶ e£ys¯ hfsc thKw ssIhcn¡m³ klmbn¡p¶p-sh¶v Fw.Un.bpw kn.C.H.bpamb hn.Pn. amXyp ]dªp. tImÀ]tdäv taJeIfnte¡pÅ hmbv]IfpsS A\p ]mXw hmÀjnImSnØm\¯n 35 iXam\¯n \n¶pw 30 iXam\am¡n Ipd¨v, do-säbn cwK¯v {i² tI{µo Icn¨Xv _m¦nsâ _me³kv joän\v iàn ]IÀ-s¶¶pw At±-lw Iq-«n-t¨À-¯p. _m¦nsâ sam¯w _nkn-\-kv H¼Xv i-X-am-\w h-fÀ-¨-tbmsS 1,50,208 tImSn cq]bmbn. sam¯w \njv-{Inb BkvXn 4.96% tcJs¸Sp¯n.

¹mÌnIv \ntcm[\w \ã]cnlmc ]mt¡Pv thWsa¶v hyhkmb taJe H

-ä-¯-h-W am-{Xw D-]-tbm-Kn-¡m-hp-¶ F-Ãm-¯-cw ¹m-ÌnIv D¸-¶-§-fpw P-\p-h-cn H-¶p-ap-X kw-Øm-\ kÀ¡mÀ \n-tcm-[n-¨-Xn-\m kw-Øm-\-s¯ ¹m-Ìn-Iv hy-hkm-b ta-J-e I-Sp-¯ {]-Xn-k-Ôn-bn-em-bn-cn-¡p-I-bm-Wv. ¹m-Ìn-¡n \nÀ-an-¨n-«p-Å Iym-cn _m-Kp-IÄ, ta-i-¸p-d-¯v hn-cn-¡p-¶ jo-äp-IÄ, Iq-fnw-Kv ^n-en-ap-IÄ, t¹-äp-IÄ, I-¸pIÄ, kv-t{Sm-IÄ, sIm-Sn-IÄ, hm-«À ]u-¨p-IÄ, Pyq-kv ]m-¡ -äp-IÄ, 300ML Xm-sg-bp-Å Ip-Sn-sh-Å Ip-¸n-IÄ, KmÀt_-Pv _m-Kp-IÄ, ]n-hn-kn ^v-sf-Iv-kv sa-äo-cn-bÂ-kv XpS-§n-b-h-sb-Ãmw \n-tcm-[n-¨ DÂ-¸-¶-§-fn DÄ-s¸-Sp-¶p. kw-Øm-\-¯v C-¯-cw ¹m-Ìn-Iv DÂ-¸¶-§Ä \nÀ-an¡p-¶ 1320Hm-fw sN-dp-In-S C-S-¯-cw hy-h-km-b bq-Wn-äpI-fm-Wv C-t¸mÄ {]-Xn-k-Ôn-bn-em-bn-cn-¡p-¶-Xv. "\n-tcm[-\-s¯ A-\p-Iq-en-¡p-t¼mÄ-X-s¶ H-cp Bdv am-k-s¯ Im-em-h-[n-¡v ti-jw A-Xv \-S-¸m-¡p-I-tbm A-sÃ-¦n DÂ-¸¶-§Ä L-«w-L-«-am-bn \n-tcm-[n-¡p-I-tbm sN-¿-Wsa-¶ B-h-iyw R-§Ä D-¶-bn-¨n-cp-s¶-¦n-epw K-h¬-saâv A-Xv A-\p-h-Zn-¨n-Ã' sN-dp-In-S hy-h-km-b A-tkm-kn-tbj-sâ kw-Øm-\ {]-kn-Uâm-b Fw.Jm-en-Zv ]-d-ªp. H-cp am-k-¯n-\p-Ån s]-s«-¶p-X-s¶ \n-tcm-[-\w \-S-¸m-¡n-bXn-\m bq-Wn-äp-IÄ C-t¸mÄ I-Sp-¯ km-¼-¯n-I X-IÀ¨-bn- A-I-s¸-«n-cn-¡p-I-bm-Wv. _m-¦p-I-fn \n-¶p-Å ¹mâv B³Uv sa-jn-\-dn- hm-bv-], {]-hÀ-¯-\ aq-e-[-\ hm-bv-]- F-¶n-h-bp-sS Xn-cn-¨-S-hv h-en-sbm-cp _m-[y-X-bmIp-I-bpw Iq-Sm-sX hn-]-Wn-bn \n-¶pw In-«m-\p-Å Xp-I e-`n-¡m-s¯m-cp km-l-N-cy-hp-am-Wv an-¡ bq-Wn-äp-I-fpw t\cn-Sp-¶-Xv.

\ãw ]-c-n-l-cn¡Ww {]-Xn-hÀ-jw G-I-tZ-iw 3200 tIm-Sn cq-]-bp-sS hn-äp-hc-hpw G-I-tZ-iw 35000Hm-fw t\-cn-«p-Å sXm-gn A-h-k-c§-fp-am-Wv Cu cw-K-¯v D-|m-bn-cp-¶-Xv. ""¹m-Ìn-Iv ta-Je-bn-se kw-cw-`-IÀ-¡p-|m-bn-cn-¡p-¶ h-en-b km-¼-¯n-I _m-[y-X-bpw h-¼n-¨ \-ã-hpw ]-cn-l-cn-¡p-¶-Xn-\m-bn h-cp¶ _-P-än kw-Øm-\ K-h¬-saâv {]-tXy-I ]m-t¡-Pv {]-Jym-]n-t¡-|-Xm-Wv'' Jm-en-Zv A-`n-{]m-b-s¸-«p. ¹m-Ìn-¡nse {]-tXy-I DÂ--¸¶-§Ä \nÀ-an-¡p-¶-Xn-\m-bn am-{Xw cq-]IÂ-]-\ sN¿s¸-« sa-jn-\-dn-I-fm-b-Xn-\m A-h-sbm-s¡ \-ho-I-cn-¡p-I-tbm -A-sÃ-¦n am-än hm-§p-I-tbm sN-bv-Xmte a-äv DÂ-¸-¶-§-fp-sS \nÀ-am-W-¯n-te-¡v I-S-¡m-\m-hqsh-¶-Xm-Wv Cu cw-K-s¯ kw-cw-`-IÀ t\-cn-Sp-¶ a-säm-cp sh-Ãp-hn-fn. K-h¬-saân-sâ am-{X-a-à hy-h-km-b cw-K-s¯ hn-Z-Kv-[-cp-sS tk-h-\-hpw C-¡m-cy-§-fn Cu ta-J-e-bv¡v A-\n-hm-cy-am-bn-cn-¡p-I-bm-Wv.

The Contrarian Consultant

amt\-Pvsaâv MANAGEMENT

amµyw adnIS¡m³ Sn\n ^nen¸v

P-\-dn-Iv a-cp-¶p-IÄ e-`y-am-¡p¶-Xn-eq-sS kw-Øm-\s¯ B-ip]-{Xn-IÄ-¡v sa-¨-s¸-«-Xpw sN-e-hp Ipd-ª-Xp-am-b Nn-In-Õ e-`yam-¡m-\m-Ipw

C´y-bnepw Pn.kn. kn cm-{ã-§-fn-ep-am-bn Øm-bnbm-b _n-kn\kv tam-U-ep-IÄ h-fÀ¯n-sb-Sp-¡p-¶-Xn\p-th-|n ZoÀ-LIm-e A-Sn-Øm-\-¯n kw-cw-`-I-cp-am-bn tNÀ¶v {]-hÀ-¯n-¡p-¶ _n-kn\-kv A-ssUzk-dm-Wv te-JI³.

1992Â IIM (L) \n¶v PGDM F-Sp-¯X - n-\pti-jw _n-kn\-kv A-ssUz-kd - m-bn {]-hÀ-¯\w B-cw-`n-¨ A-t±-lw dn-kÄ-«vk - v I¬-kÄ-«nw-Kv {Kq-¸n-sâ No-^v F-Ivk - n-Iyq-«nhv Hm-^o-kd - m-Wv. website:

www.we-deliver-results. com, email: tinyphilip@ gmail.com

P\dnIv acp¶pIÄ C

-´y-bn a-cp-¶p-I-sf F-§-s\-bmXn-cn-¨-dn-ªv Kp-W-\n-e-hm-c-¯n ho-gvWv aq-¶m-bn X-cw-Xn-cn-¨n-cn-¡p-¶-sXN h-cp-¯m-sX X-s¶ Nn-In-Õm sN-e-hv ¶v ap³ te-J-\-¯n Rm³ hn-i-Z-am-¡nIp-d-bv-¡m-\p-Å h-gn tX-Sm-³ Xp-S-§n. bn-cp-¶p. ^n-KÀ 1 t\m-¡p-I. P-\-dn-Iv a-cp-¶p-IÄ {]-tam-«v sN-¿p-I-bpw hnÂ-¡p-I-bpw th-W-sa-¶v H-cp am-t\-Pvt]-ä-tâm-sS hnÂ-¡p-¶ {_m³-Uv sa saâv I-½n-än ao-änw-Kn \-gv-knw-Kv kq-{]Un-kn-\p-IÄ F-®-¯n h-f-sc Ip-d-hm|v \nÀ-tZ-iw sh-¨p. {_m³-U-Uv sa-UnWv. am-{X-a-Ã, hfsc sN-e-th-dn-b-Xpw cm-Pykn-sâ A-tX Kp-W-\n-e-hm-cw P-\-dn-Iv ¯v hnÂ-¡-s¸-Sp-¶ a-cp-¶p-I-sf A-t]-£nsa-Un-kn-\pw D-s|-¶v A-hÀ ao-änw-Kn ¨v t\m-¡p-t¼mÄ h-f-sc Ip-d-hp-am-Wv. A-`n-{]m-b-s¸-«p. {_m³-Uv sa-Un-kn-\p-IÄ sN-e-th-dnA-h-bp-sS \n-e-hm-cw Ip-d-hm-sW-¶v b-Xm-Wv, sa-Un-¡Â sd-{]-sk-tâ-äo-hp]-d-ªv Nn-e tUm-Iv-äÀ-amÀ P-\-dn-Iv sa-UnIÄ h-gn hn-]-W-\w \-S-¯p-Ibpw sNkn-\p-IÄ D-]-tbm-Kn-¡m-\p-Å \nÀ-tZ-i ¿p-¶p. C-´y-bn hnÂ-¡-s¸-Sp-¶ a-cp-s¯ F-XnÀ-¯p. h-f-sc \o-| NÀ-¨-IÄ ¶p-I-fn `q-cn-`m-K-hpw Cu hn-`m-K-¯n -s¡m-Sp-hn tlm-kv-]n-ä-en-sâ F-Iv-kns]-Sp-¶-h-bm-Wv. P\-dn-Iv a-cp-¶p-IÄ Iyq-«nhv U-b-d-Iv-ä-tdm-Sv {]-iv-\s¯ hn-e Ip-d-hp-ÅXpw P-\u-j-[n Hu-«v-se-äpIp-dn-¨v hn-i-Z-am-bn ]Tn-¡m-\pw A-Sp-¯ IÄ t]mep-Å kÀ-¡mÀ {]-tam-«v sN-¿p-¶ tbm-K-¯n A-t±l¯nsâ I-s|-¯Øm-]-\-§-fn e-`y-am-Ip-I-bpw sN-¿pep-I-fpw ip-]mÀ-i-I-fp-a-S§p-¶ dn-t¸mÀ-«v ¶-h-bm-Wv. tI-c-fw Ip-td\m-fm-bn km-¼¯n-I am-µyw t\-cn-«p-sIm-|n-cn-¡pFigure 1: Medicine Categories India I-bpw tcm-Kn-IÄ sN-e-hp Ip-d-ª Nn-In-Õm amÀ-K-§Ä tX-Sn-s¡m|n-cn-¡p-I-bpw sN-¿p-¶ km-lAll Medicines N-cy-¯nÂ, B-ip-]-{Xn-IÄ \n-ehn sN-¿p-¶-Xpt]m-se {_m³-Uv sa-Un-kn-\v {]m-[m-\yw \Â-Im-sX sN-e-hv Ip-d-ª P-\-dn-Iv a-cp-¶pIÄ {]-tam-«v sN-¿p-I-bpw hnÂ-¡pBrand I-bp-am-Wv th-|-Xv. Generic “Brand” Medicines F-¶n-cp-¶m-epw tI-c-f-¯n-se Medicines Medicines under Patent kz-Im-cy B-ip-]-{Xn-I-sfm-¶pw X-s¶ Nn-In-Õ-bp-sS sam-¯-¯nep-Å sN-e-hv Ip-d-bv-¡m-\m-bn P-\-dn-Iv a-cp-¶p-IÄ {]-tam-«v sN-¿p-Ian-I-¨- I-¼-\n-I-fp-sS Ptbm hnÂ-¡p-I-tbm sN-¿p-¶n-à F-¶-Xv A-Ûp-X-ap-f-hm-¡p-¶p. \-dn-Iv a-cp-¶p-I-fn-te-¡v Cu {]-iv-\w hn-i-Z-am-bn a-\-kn-em-¡pam-dp¶-Xp hgn Kp-W-\n¶-Xn-\m-bn Xn-c-t¡-dn-b H-cp sN-e-hv Ipe-hm-c-¯n hn-«p-ho-gvd-ª B-ip-]-{Xn-sb D-Zm-l-c-W-am-sb N h-cp-¯m-sX X-s¶ -Sp-¡mw.

KpW-\n-e-hm-c-¯n am-ä-anà tI-c-f-¯n-se Xn-c-t¡-dn-b Cu tlmkv-]n-ä-en 280 s_-Up-I-fm-Wp-Å-Xv. sN-e-hp Ip-d-ª-Xpw an-I-¨-Xp-am-b NnIn-Õ-bp-sS t]-cn {]-kn-²-hp-am-Wv Cu B-ip-]-{Xn. hÀ-j-§-fm-bn an-I-¨ ¹m-\nwtKm-sS-bm-Wv C-Xv {]-hÀ-¯n-¡p-¶-Xv. H-]n t]-jyâv-kn-\m-bn _p-¡nw-Kv kn-Ìw GÀs¸-Sp-¯n-bn-«p-|v. D-¨-Xn-cn-ªpw, ssh-Ipt¶-c-hpw cm-{Xn-bn-epw sh-tÆ-sd H-]n ]-cntim-[-\-bp-|v. t\-c-s¯ Un-kv-NmÀ-Pv sN-¿p-¶-Xn-\pw a-äp-am-bn an-I-¨ Un-kvNmÀ-Pv kn-Ì-hpw GÀ-s¸-Sp-¯n-bn-«p-|v.

Cu \-S-]-Sn-IÄ Im-c-Ww, tcm-Kn-IÄ-¡v D-bÀ-¶ \n-e-hm-c-¯n-ep-Å F-¶m sNe-hv Ip-d-ª Nn-In-Õ e-`y-am-¡m-\m-Ip-Ibpw hÀ-jw ap-gp-h-\pw ]qÀ-W ti-jn hn-\ntbm-K-s¸-Sp-¯m-\pw B-Ip-¶p. C-¡m-c-W§Ä sIm-|p X-s¶ kw-Øm-\-¯v km¼¯n-I am-µy-am-sW-¦n-epw \ym-b-am-b em-`w t\-Sm³ B-ip-]-{Xn-¡m-Ip-¶p. km-¼-¯n-I am-µy-¯n \n-¶v I-cI-b-dp-¶-Xn-\p ap-¼p-Å G-Xm-\pw hÀj-§-fn Øn-Xn Iq-Sp-X tam-i-am-Ipsa-¶v 2018  B-ip-]-{Xn am-t\-Pv-saâv

sNe-hp Ip-d-bv¡mw

k-aÀ-¸n-¡m-\pw am-t\-Pv-saâv B-h-iy-s¸«p. F-Iv-kn-Iyq-«nhv U-b-d-Iv-äÀ hn-j-bs¯ Ip-dn-¨v \-Ã-t]m-se ]Tn-¡p-I-bpw ]n¶o-Sv h-¶ tbm-K-¯n Xm-sg Im-Wn-¨ncn-¡p-¶-Xp t]m-se A-t±-l-¯n-sâ I-s|¯-ep-I-fpw ip-]mÀ-i-I-fpw A-h-X-cn-¸n¡p-I-bpw sN-bv-Xp. P-\-dn-Iv a-cp-¶p-IÄ-¡v Xp-ey-am-b {_m³-U-Uv sa-Un-kn-t\-¡mÄ 20 ap-X 40 i-X-am-\w h-sc hn-e Ip-d-hm-Wv. an-¡ P-\-dn-Iv a-cp-¶p-I-fpw DÂ-¸m-Zn-¸n-¡p-¶-Xv sN-dn-b ^mÀ-a-kyq-«n-¡Â I-¼-\n-I-fmWv. ]-e-t¸m-gpw Kp-W-\n-e-hm-cw H-cp {]-iv-\-am-bn-«p-|v. ""F-¶n-cp-¶m-epw {_m³-Uv sa-Un-kn³ ]p-d-¯n-d-¡p-¶ G-I-tZ-iw F-Ãm h-en-b ^mÀ-a-kyq-«n-¡Â I-¼-\nI-fpw P-\-dn-Iv sa-Un-kn³ Iq-Sn DÂ-¸m-Zn¸n-¡p-¶p-|v. a-cp-¶p-I-fp-sS Kp-W-\n-e-hm-cw D-d¸m-¡p-¶-Xn-\v, \n-e-hn B-ip-]-{Xn-¡v {_m³-U-Uv sa-Un-kn³ \Â-Ip-¶ h-en-b ^mÀ-a-kyq-«n-¡Â I-¼-\n-I-fp-sS P-\-dn-Iv a-cp-¶p-IÄ X-s¶ {]-tam-«v sN-¿p-I-bpw

hnÂ-¡p-I-bpw th-Ww. G-sX-¦n-epw P-\-dn-Iv a-cp-¶p-I-fp-sS Kp-W-\n-e-hm-c-¯n F-s´-¦n-epw t]m-cmbv-a tXm-¶n-bm D-S-s\ B I-¼-\n-bn \n-¶v ]n-¶o-Sv H-cp X-c-¯n-ep-Å a-cp-¶pI-fpw hm-§-cp-Xv. F-Iv-kn-Iyq-«nhv U-b-d-Iv-ä-dp-sS ip-]mÀi-IÄ, Kp-W-\n-e-hm-c-¯n-ep-Å B-i-¦IÄ Zq-co-I-cn-¡p-¶-h-bm-sW-¶v Cu hn-j -b-¯n-t·-ep-Å Nq-tS-dn-b NÀ-¨-IÄ-s¡mSp-hn am-t\-Pv-saâv I-½n-än \n-K-a-\-¯nse-¯n.

em`-£-aX-bpw D-d-¸m¡n tlm-kv-]n-ä P-\-dn-Iv a-cp-¶p-I-fnte-¡v am-dp-t¼mÄ A-Xv em-`-£-a-X-sb _m-[n-¡n-tà F-¶v A-t¸mÄ ^mÀ-a-kn am-t\-PÀ kwi-b-ap-¶-bn-¨p. \n-e-hn an-¡ a-cp-¶p-I-fn \n-¶pw 30 i-X-am-\t¯m-fw sam-¯ em-`w B-ip-]{Xn-¡v e-`n-¡p-¶p-s|-¶v A-t±-lw ]-d-ªp. A-Xm-b-Xv, B-ip-]-{Xn H-cp {_m³-Uv sa-Un-kn³ 100 cq]-bv-¡v hnÂ-¡p-t¼mÄ A-Xn 70 cq-]-bm-Wv ]À-t¨kv hn-e-bmbn h-cp-¶-Xv. _m-¡n 30 cq] em-` -amWv. C-tX X-c-¯n-ep-Å P-\-dn-Iv a-cp -¶n-te-¡v am-dp-t¼mÄ B-ip-]-{Xn¡v a-cp-¶v 70 cq-]-bv-¡v hnÂ-t¡-|n h-cpw. 50 cq-]-bv-¡v B-ip-]-{Xn-¡v a-cp-¶v e-`n-¡pw. em-`w 20 cq-]-bmbn Ip-d-bpw. hn-e-bn D-|m-Ip-¶ Ip-d-hv tcm-Kn-I-sf kw-_-Ôn-¨v h-en-b B-izm-k-am-sW-¦n-epw em-`¯n-ep-|m-Ip-¶ h-en-b Ip-d-hv B-ip-]{Xn-bp-sS s]m-Xp em-`-s¯ X-s¶ _m-[n¡p-I-bpw Øm-]-\w \-ã-¯n-em-hp-I-bpw sN-¿pw.

F-¶m 70 cq-]-bv-¡v hnÂ-¡p-¶ P-\dn-Iv a-cp-¶p-I-fp-sS b-YmÀ-° hn-e 40 cq-]bm-sW-¶v a-\-kn-em-¡n-b-tXm-sS B B-i-¦ C-Ãm-Xm-bn. em-`w 30 cq-] X-s¶ e-`n-¡p-sa-¶v A-dn-ª-tXm-sS B-ip-]{Xn-bp-sS em-`-£-a-X-sb tZm-j-I-c-am-bn _m-[n-¡n-sÃ-¶v D-d-¸m-bn.

Xm-sg ]dbp¶ hn-[-¯n B-ip-]{Xn P-\-dn-Iv a-cp-¶p-I-sf D-]-tbmKn-¨p Xp-S-§n. G-ä-hpw Iq-Sp-X hm-§p-¶ {_m³-Uv sa-Un-kn-\p-I-sf I-s|-¯pI-bpw h-en-b-Xpw an-I-¨-Xp-am-b ^mÀ-akyq-«n-¡Â I-¼-\n-I-fp-sS A-Xn-\v Xpey-am-b P-\-dn-Iv a-cp-¶p-IÄ en-Ìv sN-¿p-Ibpw sN-bv-Xp. a-cp-¶p-I-fp-sS P-\-dn-Iv \m-aw X-s¶ Ip-dn-¸-Sn-bn \Â-In-bn-cn-¡Wsa-¶ sa-Un-¡Â Iu¬-kn Hm-^v C-´y sd-Kp-te-j³-kv ]n-´p-S-cm³ tUmIv-äÀ-am-tcm-Sv \nÀ-tZ-in-¨p. tcm-Kn-IÄ-¡v B-h-iy-am-b P-\-dn-Iv a-cp-¶p-IÄ \Â-Im³ ^mÀ-a-kn-tbm-Spw \nÀ-tZin-¨p. Cu-sbm-cp \-S-]-Sn-bn-eq-sS, B-ip-]-{Xn-bn-se Nn-In-Õm sN-e-hv KpW-\n-e-hm-c-¯n hn-«p-ho-gv-N h-cp-¯msX X-s¶ Ip-d-bv-¡m³ km-[n-¨p.

Cu \-S-]-Sn-bn-eq-sS B-ip-]-{Xn-bp-sS kÂ-t]-cpw, Ip-d-ª sN-e-hn Iq-Sp-X an-I-hmÀ-¶ tk-h-\w e-`y-am-¡p-¶-Xn-\m tcm-Kn-I-fp-sS F-®-hpw hÀ-[n-¨p.

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_phcn 15, 2020

31

Wellness

CXmWv AXnk¼¶cpsS

iàamb ioew!

Classi SERVICE

kz]v-\w Im-Wp¶-Xv \nÀ¯q, hm-b-\ XpS§q A-\q-]v G-{_lmw

F

-§-s\-bm-Wv Xm-¦Ä tdm-¡äp-I-fp-|m-¡m³ ]Tn-¨-sX-¶ tNm-Zy-¯n-\v kv-s]-bv-kv F-Iv-kv kn-C-H C-tem¬ a-kv-Iv ]-d-ª-Xv h-f-sc e-fn-X-am-b H-cp D-¯-c-am-bncp-¶p. ""Rm³ ]p-kv-X-I-§Ä hmbn-¡m-dp-|v.'' ]p-kv-X-Iw hm-bn-¨-Xp-sIm-|v \n-§Ä-¡v tdm-¡-äp-|m-¡m³ km[n-¡p-sa-¶v F-\n-¡v D-d-¸p-]-d-bm\m-In-Ã. ]-s£ hm-b-\-bn-eq-sS \n-§Ä-¡v an-I-¨-Xm-bn F-s´-¦n_n tK-äv-kv C-tem¬ a-kv-Iv epw sN-¿m³ I-gn-bpw. Cu io-e¯n-\v \n-§-fp-sS Po-hn-X-s¯ A-Sn-ap-Sn am-äm³ fpw hm-bn-¡p-¶-Xp-h-gn ]p-Xn-b-Xpw D-]-Im-c-{]-Zkm-[n-¡pw. _n tK-ävk - v, H-{]m hn³-{^o, hm-d³ hp-am-b A-dn-hp-I-fpw co-Xn-I-fpw io-e-§-fp-am-Wv _-^ä - v Xp-S§ - n tem-I¯ - v h³-hn-Pb - w t\-Sn-bh - I-s|-¯p-¶-Xv. \n-§-fp-sS-bp-Ån \n-§-f-dn-bmcpw i-Xt- Im-So-iz-c· - m-cp-am-b a-äv {]-ap-Jc - pw A-hsX D-d-§n-¡n-S-¡p-¶ XmÂ-¸-cy-§Ä t]m-epw cp-sS Po-hn-X¯ - n-epw hn-Pb - ¯ - n-epw hm-b\ - m-ioI-s|-¯m³ ]p-kv-X-I-hm-b-\-bn-eq-sS km-[n-s¨ew \nÀ-®m-bI - a - m-b ]-¦p-hl - n-¨n ¶n-cn-¡pw.

«- p-s|-¶v ]-db - p-¶p.

F-sâ X-s¶ Po-hn-X-sa-Sp-¯m "Hmtkm-jy ao-Un-b-bp-sS-bpw t«m-_-tbm-{Km-^n Hm-^v F tbm-Kn' kv-{So-anw-Kv ¹m-äv-t^m-ap-I-fm-b s\F-¶ ]p-kv-X-I-am-Wv Rm³ Bäv-^v-fn-Iv-kn-sâ-bpw B-a-tkm-Wnßo-b-am-b XmÂ-¸-cy-§-fp-Å hyFà m \à sâ-bp-sam-s¡ Im-eL-«-¯n àn-bm-sW-¶v a-\-kn-em-¡m³ ]p-kv-X-I-§-fpw hm-b\ - m-io-ew G-sd ]n-´Å - s¸F-s¶ k-lm-bn-¨-Xv. Cu ]p«n-cn-¡p-¶p. F-¶n-cp-¶m-epw hm-bn-¡p-¶-Xv I-gn-ª kv-X-I-¯n-s\m-¸w "Zn tIm¬hm-b-\m-io-ew {]-tXy-In-¨v shÀ-tk-j³-kv hn-¯v tKm-Uv \q-äm-|n-se G-ä-hpw Po-hN - c - n-{X§Ä, hy-àn-KX - h - ko-co-kv', "Zn ]-hÀ Hm-^v Ig nh pÅ Bf pI f pa mb n fÀ-¨b - ¡ -v kv lm-bn-¡p-¶]p-kX -v \u' Xp-S-§n-b ]p-kv-X-I-§Ä kw` mj W w \S ¯ p¶ X pI-§Ä Xp-S-§n-b-h hm-bnF-sâ Nn-´m-co-Xn-sb-bpw ap³t]m-se-bm-Wv ¡p-¶-Xv h-f-sc {]-[m-\-hpw K-W\-I-sf-bpw B-{K-l-§-sfA-h-K-Wn-¡m-\m-Im-¯-Xp-ambpw ]qÀ-®-am-bn am-än-s¡m-|v sU-kv-ImÀ-«v-kv sW-¶v ]-d-bp-¶-Xv F-´p-sImF-sâ Po-hn-X-¯n i-à-am-b |m-Wv? kzm-[o-\-ap-|m-¡n. \-½p-sS-bpÅn-te-¡v B-g-¯n t\m-¡m-\pw $ ]p-Xn-b Im-cy-§Ä {]-Xn-^-en-¸n-¡m-\pw km-[n-¡p-¶-h -bm-Wv ]p-kv-X-I-§Ä. ]Tn-¡m³ b-YmÀ-° Po-hn-X-¯n-sâ sh-Ãp-hn-fn-I-sf t\-cn-Sm³ \-s½ {]m-]v-X-cm-¡p-¶-Xn Imcy-am-sbm-¶pw sN-¿m³ \½p-sS hn-Zym-`ym-k k-{¼-Zm-b-¯n\v I-gn-bp-¶n-Ã. \mw ]Tn-¡p-¶ _-lp-`q-cn-]-£w kn-²m-´-§Ä-¡pw B-i-b-§Ä¡p-sam-¶pw \n-Xy-Po-hn-X-¯n bm-sXm-cp {]m-tbm-Kn-I D-]-tbm-K-hp-ap-|m-bn-cn-¡n-Ã.

F-¶m ]p-kv-X-I-§Ä Cu hn-S-hv \n-I-¯p-¶p. \-à ]p-kv-X-I-§Ä hm-bn-¡p-¶-Xp-h-gn a-äp-Å-hcp-sS b-YmÀ-° A-\p-`-h-§Ä, DÄ-¡m-gv-N-IÄ, A-h-cp-sS A-dn-hp-IÄ F-¶n-h-bn \n-¶v \-ap-¡v ]Tn-¡m-\pw A-h-sbm-s¡ \n-Xy-Po-hn-X-¯n D-]-Im-c-s¸-Sp-¯m-\pw Ign-bp¶p.

$ \n-§-fp-sS N-{I-hm-f-§Ä hn-im-e-am-¡p-¶p hm-b-\ ]p-Xn-b h-gn-I-fn-eq-sS Nn-´n-¡m³ \-½p-sS a-\-kn-s\ hn-im-e-am-¡p--¶p. tem-I-¯v \n-e-hn-ep-s|-¶v t]m-epw \mw C-Xp-h-sc A-dn-bmXn-cp-¶ km-[y-X-I-sf-¡p-dn-¨v \-s½ t_m-[-hm·m-cm-¡p-¶p. ]p-kv-X-I-§-fn-eq-sS \-ap-¡v a-sämcm-fp-sS I-®p-I-fn-eq-sS Im-cy-§-sf ho-£n-¡m³ km-[n-¡p-¶p. A-Xp-h-gn k-lm-\p-`q-Xn-tbm-sS a-äpÅ-h-tcm-Sv s]-cp-am-dm-\p-Å I-gn-hv hÀ-[n-¡p-¶p.

$ B-´-cn-I-hpw _m-ly-hp-am-b I-s|-¯Â hm-b-\-bn-eq-sS \n-c-´-c-am-b I-s|-¯-em-Wv \-S-¡p-¶-Xv. Po-h-N-cn-{X-§-fpw \-½p-sS hy-ànK-X-am-b h-fÀ-¨-bp-am-bn _-Ô-s¸-« ]p-kv-X-I-§-

32

s^{_p-h-cn 15, 2020

SERVICE

www.grandmasterglobal.com

8330 078 908

$ an-I-¨ Po-hn-Xw hy-àn-]-c-am-bn A-dn-ª-Xpw A-\p-`-hn-¨-Xpam-b Im-cy-§-fn am-{Xw kz-bw ]-cn-an-X-s¸-Sp¯m-sX \-½p-sS Po-hn-Xw an-I-¨ co-Xn-bn ap-t¶m«p-sIm-|p-t]m-Im³ k-lm-bn-¡p-¶ amÀ-K-\nÀ -tZ-in-I-fm-Wv ]p-kv-X-I-§Ä. \mw H-cn-¡-epw sN-¿psa-¶v Nn-´n-¨n-«p-t]m-ep-an-Ãm-¯ Im-cy ¯m-b aq-eyw Iq-Sn X-cp-¶p. hm-b-\ \-½p-sS Po-hn-§Ä \-s½ {]-tNm-Zn-¸n-¨v sN-¿nX-¯n-sâ `m-K-am-¡n am-äp-¶-Xn-eq-sS \n-c-h-[n ¡m³ I-gn-hp-|v ]p-kv-X-I-§Ä-¡v. {]-tbm-P-\-§Ä e-`n-¡pw. bq-Wn-th-gv-kn-än Hm-^v k-sk-Iv-kv \-S-¯n-b ]T-\-¯n th-\Â-¡m-e¯ - v hm-bn-¨ c-|v hm-bn-¡p-¶-bmÄ I-s|-¯n-b-Xv B-dv an-\n-äv hm-b-\ ]p-kvX - I - § - f - m-Wv ("Cu-äv, t{], a-cn-¡p-¶-Xn-\v ap-¼v t]m-epw \-½p-sS am-\-kn-I-k-½À-Zw 68 e-hv & A-s{]ân-kvU - v äp F i-X-am-\w Ip-d-bv-¡p-¶p-sh-¶m-Wv! B-bn-cw Po-hn-X-§Ä ln-am-eb - ³ am-ÌÀ') Rm-s\m-cn¡-epw sN-¿n-sÃ-¶v hn-Nm-cn-¨ Po-hn-¡p-¶p. H-cn-¡-epw hm-b-\-bv-¡m-bn ka-bw In-«p-¶nà H-cp Im-cyw sN-¿m³ F-s¶ F-¶-Xm-Wv FÃm-hcpw ]-d-bp-s¶m-cp hm-bn-¡m-¯-bmÄ H-cp {]-tNm-Zn-¸n-¨X - v. H-äb - v¡ - p-Å ]-cmXn. D-d-§p-¶-Xn-\v ap-¼v Ip-d-¨pPo-hn-Xw am-{Xw bm-{X. Rm³ h-fs - c B-kz-Zn-¨t\-cw hm-bn-¡p-¶ io-e-ap-|m-¡n Cu Po-hn-¡p-¶p Xpw F-¶n G-sd kzm-[o-\a - p{]-iv-\-¯n-\v ]-cn-lm-cw I-s|-¯m³ |m-¡n-bX - p-am-b H-¶m-bn-cp-¶p I-gn-tª-¡pw. hm-b-\m-io-ew \-½p-sS tPmÀ-Pv BÀ.BÀ A-Xv. D-d-¡w sa-¨-s¸-Sp-¯pw. \n-§Ä-¡v hmamÀ-«n³ bn-¡p-¶ io-e-an-sÃ-¦n \n-§-sf B-IÀ_n-kn-\-kv, B-tcm-Kyw, hy-ànjn-¡p-¶-Xpw \n-§-fn XmÂ-¸-cyw P-\n-¸nK-X-am-b h-fÀ-¨ A-sÃ-¦n an-I-s¨m¡p-¶-Xp-am-b hn-j-b-§Ä sX-c-sª-Sp-¯v Cu cp Po-hn-Xw... C-§-s\ \-ap-¡v XmÂ-¸-cyio-e-¯n-\v Xp-S-¡-an-Sp-I. Zn-h-khpw G-Xm-\pw t]-Pp-IÄ ap-Å G-Xv ta-J-e-I-fn-epw aq-ey-h-¯m-b A-dn-hv hm-bn-¨v Cu io-ew Po-hn-X-¯n-sâ `m-K-am-¡p-I. ]-IÀ-¶p-X-cm³ ]p-kv-X-I-§Ä-¡v km-[n-¡p-¶p.

$ X-e-t¨m-dn-\pw Kp-W-I-cw hn-c-k-X am-äm³ k-lm-bn-¡p-¶ B-tcm-Ky-Ic-am-b h-gn-bm-b hm-b-\ B-\-µ-¯n-\-¸p-dw a-l-

[\w hyh-kmb hmWnPy ssZzhm-cnI

(tkmÄPmw F-¶ t»m-Kn-se te-J-\-¯n-sâ kw-£n]v-X cq]w. hn-i-Z-hm-b-\-bv-¡v: https://www.thesouljam.com/post/thepowerful-habit-of-billionaires)

ifieds

To advertise please call: 0484-2315840, 2316494

Off my bookshelf

Ernakulam: Mr. Mohanakumar - 9061480718, Mr. Satheesh Kumar 9072570055, Trivandrum & Kollam: Mr. Satheesh Kumar - 9072570055, Thrissur: Mr. Muraleedharan - 9072570053, Malappuram & Palakkad : Mr. Mohandas - 9072570058, Kozhikode: Mr. Vinaya Kumar - 9072570059, Kannur, Kasaragod & Wayanad : Mr. Mangalesh - 9072570057, Kottayam, Idukki & Pathanamthitta : Mr. Rajendran - 9446672092

cmtPjv \mbÀ

TRADEMARK

kq¸Àt^mÀImkvänwKv

Zn BÀ«v B³Uv kb³kv Hm^v {]Un£³ _n

SERVICE

BOOKS

INDUSTRIES

tlhnbd kbânÌpw {KÙImc\pamb ^nen]v. C. sSSvtemIv am[ya {]hÀ¯I\mb Um³ KmÀUv-\ dpambn tNÀ¶v cNn¨ Cu ]pkvXI¯n `mhnbn kmaq-ln-I-am-bn am-{Xaà _n-kn\-kp-I-fnepw kw`hn¡mhp¶ Imcy§sf {] hNn¡p¶Xnse coXnIfpw ]mI ¸ngIfpamWv {][m\ambpw AhtemI\w sN¿m³ {ian¡p ¶Xv. `mhnsb IqSpX D¸mZ\£aam¡m³ F§s\bmWv \n§fpsS Nn´Isf hniI e\w sN¿pIbpw [mcWIsf D]tbmKs¸ Sp¯pIbpw sNt¿|sX¶v Cu ]pkvXIw ]dªp Xcp¶p. Xpd¶ Nn´m-K-Xn-bp-sSbpw ktµl a\Øn-Xn-bp-sSbpw i-cnbm-b an-{i-W¯n-eq-sS km-l-N-cy-§-sfbpw {]-iv-\-§-sfbpw ]-cn-l-cn-¡m³ {i-an-¡p-¶-hÀ¡v sSSv-tem¡nsâ anIhp-ä DÄ-¡m-gv-Nbpw B-i-b-§fpw G-sd D-]-Im-c-s¸-Spw. Xn¦nwKv ^mÌv B³Uv tÉm F¶ Um\ntb Im\namsâ ]pkvXI¯nse knÌw 1, knÌw 2 F¶o B-i-b-§-fn-eq¶n amt\PÀamÀ, hnZymÀ°nIÄ F¶nhÀ-¡v Hcpt]mse D]-Im-c-{]-Z-am-Ip-¶ s{^-bnw-hÀ-¡v C-Xn sSSv-tem-Iv hn-I-kn-¸n-s¨-Sp-¯n-cn-¡p¶p.

Cu Bib§sf ASnØm\s¸Sp¯n sSSvtemIv ]dbp¶Xv BÀ¡pw Xs¶ `mhnsb ]qÀWambpw {]hNn¡m³ Ignbnà F¶mWv. F¶ncp¶mepw Ipd¨v DÄ¡mgvNtbmSv IqSn kao]n¨m C¶s¯ kmlNcys¯ hnebncp¯n ASp¯bmgvNsb´mWv kw`hn¡m\nSbpÅXv F¶v \n§Ä¡v ImWm\mIpsa¶mWv. t^m-Ivkv, sl-UvPv-tlm-Kv Xp-S§n-b _nw-_§Ä sSSv-tem-Iv C-Xn A-h-X-cn-¸n-¡p-¶p|v. t^m-Iv-kv F-¶m G-sd ]-c-¶Xpw F-¶m A-hbn-sem¶pw A-{X B-g-anÃm-¯-Xpam-b A-dn-hmWv. sl-UvPv-tlm-Kv F-¶m ]-cn-an-Xamb Im-cy-¯n B-g-¯n-ep-Å ]T-\-s¯-bmWv kq-Nn-¸n-¡p-¶-Xv. kw-`-hyam-b Im-cy§-sf Ip-dn-¨v [m-c-W kr-ãn-¡m³ hm-b-\-¡mc-s\ {K-Ù-Im-c³ t{]m-Õm-ln-¸n-¡p-¶p|v. C-Xn-\mbn FÃm hn-[-¯n-ep-Å A-dn-hp-Ifpw Um-ä-bpw, A-Xv G-ähpw {]m-Y-an-Iam-b L-«-¯n-ep-Å-tXm A-kw-kv-Ir-X-am-btXm BI-t« k-am-l-cn-¡m³ {i-an-¡-W-sa-¶pw sSSv-tem-Iv ]-d-bp-¶p. Umä-sb D-Ån \n¶pw H-cp tXÀ-Uv ]mÀ-«n-bm-bn \n¶psIm-|v ]p-d-¯p-\n-¶v kz-X-{´-ambpw t\m-¡p¶Xv t¢-i-I-c-amWv. {K-Ù-¯n tNÀ-¯n-cn-¡p-¶ C-e-kv-t{S-j-\p-IÄ B-IÀ-j-Ihpw A-t§b-äw A-h-t_m-[w ]-I-cp-¶-h-bp-amWv. G¬Ìv B³-Uv bw-Kv A-tkm-kn-tb-äv ]mÀ-Sv-W-dm-Wv (amÀ-¡-änwKv) te-JI³.

Cþsa-bvÂ: rajesh.nair@in.ey.com

[\w hyh-kmb hmWnPy ssZzhm-cnI

s^{_p-h-cn 15, 2020

33

Dhanam Vyavasaya Vanijya Dwaivarika - February 15, 2020 - `30

Registered No.KL/EKM/032/2018-20 RNI 44620/87

Printed and published by Vijay Kurian Abraham for Dhanam Publications Pvt. Ltd., Cheruparambath Road, Kadavanthra, Kochi-682 020. Printed at S.T.Reddiar & Sons, Ernakulam. Editor: Kurian Abraham