Page 1

Vol. 01 Issue 03 September 2019 Rs 50

10 s]m-Xp-ta-J-em _m-¦p-I-sf e-bn-¸n-¨v \m-se-®-am-¡m³ tI-{µ kÀ-¡mÀ Xo-cp-am-\w

D-tZym-Kv B-[m-dpw

MSME

IhÀ tÌmdn

c-Pn-kv-t{S-j-\pw

amµyw

k-Xytam anYytbm _m-¦v e-b-\-s¯-bpw am-µy-s¯-bpw s^-U-d _m-¦v ap³ sN-bÀ-am³ {io sI ]n ]-Zv-a-Ip-amÀ hn-e-bn-cp-¯p-¶p

C³-jq-d³-kv ]-cn-c-£ D-@m-bn-«pw H-t«-sd hm-l-\-bp-S-a-IÄ-¡v

ssI-s]m-Ån-b-sX-§-s\?

_m-¦v e-b-\-¯n-\v ]n-¶n-se

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Editors note’s

Editorial Board Chief Editor Vipin Kumar K. P.

Executive Editor

F-Un-täm-dn-bÂ

Christopher Shine

Associate Editor Dilip V. H

Consulting Editor Omal Sundaram

Business Development Bijosh Kumar

Public Relations Arjun C

Marketing Cordinator Ajith P P

Assistant Editor Veena S

Design & Layout Kailasnath

Administrations Nimmy Poulose

Advisory Board Zurya Sreekumar Vinay Dev Jacob Santhosh Jince Daniel Baiju S Pillai

Address Door No 41/3940 C2 nd 2 Floor,Lilgy Estate Old Railway Station Road Cochin-18 Ph.0484-4052069,9387806090

Email:- taxkeralaonline@gmail.com Web:- www.taxkerala.com RNI Reg. No: KERBIL/2019/77902 Printed by Shri. Vipin Kumar K P, Door No:41/3940 C2 ,Lilgy Estate, Old Railway Station Road, Ernakulam-18. Published by: Shri. Vipin Kumar K P, on behalf of Vipin Kumar K P & Printed at Thulika Offset Printers, Kacheripady, Ernakulam -18 and Published from: Door No:41/3940 C2,Lilgy Estate, Old Railway Station Road, Ernakulam-18. Editor: Shri. Vipin Kumar K P.

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-Py-¯n-sâ km-¼-¯n-I cw-Kw hn-I-kn-¨v tem-I-¯n-se G-ä-hpw hn-I-kn-X-am-b A-©p cm-Py-§-fn-sem-¶m-Im³ ]-cn-{i-an-¡pt¼mÄ h-en-b _m-¦p-I-fm-Wv \-ap-¡m-h-iyw. 2011 cm-Py-s¯ sam-¯w _m-¦v \n-t£-]-¯n-sâ 75 i-X-am-\-hpw s]m-Xp-ta-J-em _m-¦p-I-fn B-bn-cp-¶p. 2019 A-Xv 63 i-X-am-\-am-bn Ip-d-ªp. k-am-\ Im-e-L«-¯n hm-bv-]-bp-sS tXm-Xpw 74 i-X-am-\-¯n \n-¶v 60 B-bn Ip-dªp. e-b-\w sIm-≠v G-ä-hpw Iq-Sp-X ]-Ww em-`n-¡m³ I-gn-bp-I _m-¦p-I-fp-sS km-t¦-Xn-I hn-Zy-bn-em-Wv. \q-X-\ km-t¦-Xn-I hn-Zy-IÄ h-cp-t¼mÄ Hm-tcm _m-¦pw X-§-fp-sS sS-Iv-t\m-f-Pn ]p-Xp-¡p-¶-Xn-\mbn h-en-b Xp-I-bm-Wp sN-e-h-gn-¡p-¶-Xv. _m-¦v e-b-\w ]-e-t¸m-gpw k-t´m-j-I-c-a-à F-¶m-Wv F-Ãm Po-h-\¡m-cpw C-S-]m-Sp-Im-cpw A-`n-{]m-b-s¸-Sp-¶-Xv. h³-In-S hy-h-km-bn-IÄ e-b-\w kzm-K-Xw sN-¿p-t¼mÄ sN-dp-In-S hy-h-km-bn-I-fpw hym-]m-cnI-fpw C-S-]m-Sp-Im-cpw B-i-¦-bn-em-Wv. ap³ [-\-a-{´n A-cp¬ P-bv-äv-en _m-¦p-I-fp-sS e-b-\-¯n-\p th-≠n ]-cn-{i-an-¨n-cp-¶p. A-t±-l-am-Wv _m¦v Hm-^v _-tdm-U-bpw hn-P-b _m-¦pw tZ-\m _m-¦pw X-½n-ep-Å e-b-\¯n-\v ap³-ssI-sb-Sp-¯-Xv. C-´y-¡p th-≠-Xv i-à-am-b _m-¦p-I-fmWv, A-Ãm-sX ZpÀ-_-e-am-b H-t«-sd _m-¦p-I-f-à F-¶m-bn-cp-¶p P-bv-äv-en ]-d-ªn-cp-¶-Xv. h-fÀ-¨-\n-c-¡v \n-c-¡v 5 i-X-am-\-¯n-te-¡v Xm-gv-¶n-cn¡p-¶ k-a-b-¯m-Wv tI-{µ-kÀ-¡mÀ _m-¦p-I-fp-sS e-b-\w {]-Jym-]n¨n-cn-¡p-¶-Xv. C-´y-bn h³-In-S _m-¦p-IÄ C-à F-¶p X-s¶ ]-d-tb≠n h-cpw. tem-I-s¯ G-ä-hpw h-en-b 50 _m-¦p-IÄ F-Sp-¯m C-´ybnÂ-\n-¶v H-cp _m-¦p t]m-epw C-à F-¶p-Å-Xv Nn-´n-t¡-≠ hn-j-bw X-s¶-bm-Wv. tÌ-äv _m-¦v Hm-^v C-´y t]m-epw h-en-b _m-¦p-I-fn-te-¡v h-¶n-à F-¶p-X-s¶ ]-d-bmw. C-tX k-a-bw B-Zy 4 h-en-b _m-¦p-IÄ ssN-\-bn \n-¶m-Wv. _m-¦p-I-fp-sS e-b-\w B-h-iy-am-sW-¶pw h³-In-S hy-h-km-bn-IÄ I-cp-Xp-¶p. Im-c-Ww hm-bv-] ]-en-i \n-c-¡v G-ä-hpw Im-cy-£-a-am-bn e-`n-¡p-I _m-¦p-IÄ h-ep-Xm-Ip-t¼m-gm-Wv. Po-h-\-¡m-cp-sS Im-cy-£a-X-bpw hÀ-[n-¡pw. _m-¦n-Mv cw-K-¯v C-\n-bpw ]p-tcm-K-Xn-¡v G-sd km[y-X-bp-Å ta-J-e D-]-t`m-àr-tk-h-\-am-Wv. _m-¦p-I-fp-sS {]-hÀ-¯-\ co-Xn A-Xn-th-Kw am-ä-§Ä-¡p hn-t[-b-am-hp-I-bm-Wv. Un-Pn-ä _m-¦nMv t{]m-Õm-ln-¸n-¡p-I kÀ-¡m-cn-sâ {]-[m-\ e-£y-§-fn H-¶m-Wv. km-t¦-Xn-I hn-Zy-bp-sS h-fÀ-¨ ]qÀ-W-am-bpw {]-tbm-P-\-s¸-Sp-¯m³ h-en-b _m-¦p-I-fm-Wv F-t¸m-gpw \-Ã-sX-¶pw A-`n-{]m-b-ap-≠v. tÌ-äv _m-¦v Hm-^v {Sm-h³-IqÀ B-bn-cp-¶-t¸mÄ C-S-]m-Sp-ImÀ-¡p e-`n-¨n-cp-¶ tk-h-\w F-kv-_n-sF-bn e-bn-¸n-¨ ti-jw e-`n-¡p-¶n-à F-¶p-Å ]-cm-Xn-I-fpw C-S-]m-Sp-Im-cnÂ-\n-¶v D-≠m-bn-cp-¶p. F-¶m A-Xn-epw C-¶v Im-X-em-b am-ä-§Ä h-¶n-cn-¡p-¶p. C-S-]m-Sp-Im-cp-sS F-®w IqSn-b-tXm-sS \-à tk-h-\w \Â-Im³ Po-h-\-¡mÀ _m-[y-Øm-\m-Wv. km-¼-¯n-I am-µyw A-\p-`-h-s¸-Sp-¶ k-a-b-¯v _m-¦v e-b-\w k-lmbw sN-¿p-tam F-¶ kw-i-b-hpw \n-e-\nÂ-¡p-¶p. F-¶m C-t¸mÄ A-\p-`-h-s¸-Sp-¶ am-µyw XmÂ-¡m-en-I-am-sW-¶pw A-Sn-Øm-\-]-c-a-söp-am-Wp dn-kÀ-hv _m-¦n-sâ dn-t¸mÀ-«n-eq-sS A-dn-bm³ km-[n-¡p-¶-Xv. e-b-\w Iq-Sp-X I-cp-t¯m-sS kz-Im-cy _m-¦p-I-fp-am-bn a-Õ-cn-¡m³ PSB-I-sf {]m-]v-X-cm-¡pw F-¶p {]-Xo-£n-¡mw.

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4

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

hn-]n³ Ip-amÀ sI. ]n No-^v F-UnäÀ


sF. sF.Fkv Fkv..HHkÀkÀ-««n-^ n-^n-tn-t¡j³ ¡j³ Ct¸mÄ Ct¸mÄC-C-SS-\-\n-en-e-¡ -¡m-m-ccnÃmnÃm-ssXXt\t\-ccn«vn«v!!!!!! Under Under thethe aegis aegis of :of :

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Certifications Certifications && Registration Registration

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D-ÅS¡w

Contents

amµyw k-Xytam anYy-tbm

10

tem-I hym-]m-I-am-bn km-¼-¯n-I am-µyw D-s≠¶v hn-e-bn-cp-¯p-¶-Xn-\v A-´m-cm-{ã \m-W-b \n-[n t]m-ep-Å Øm-]-\-§-Ä th-sd Nn-e I-W¡p-I-fm-Wv C-Xp-am-bn _-Ô-s¸-«v I-W-¡m-¡p¶-Xv. km-¼-¯n-I h-f-À-¨-bn-se C-Sn-hn-\v ]p-dsa F-®-bv-¡p-Å B-h-iy-I-X-bn-ep-Å C-Sn-hv, F-¶n-h-bm-W sF-Fw-F-^v {]-[m-\-am-bn ]-cn-KWn-¡p-¶-Xv.

F-Un-täm-dn-b amµyw k-Xytam anYy-tbm \n-§Ä H-cp F³BÀsF (NRI) B-tWm? F-¦n {i-²n-¡p-I C-³-Iw Sm-Iv-kv em-`n-¡m-³ B-{K-ln-¡p-¶p-sh-¦n- Xm-sg ]-d-bp-¶ Im-cy-§-Ä {i-²n-¡q 10 s]m-Xp-ta-J-em _m-¦p-I-sf e-bn-¸n-¨v \m-se-®-am-¡m³ tI-{µ kÀ-¡mÀ Xo-cp-am-\w am-µyw kÀ-¡mÀ \-S-]-Sn-I-fn {]-Xo-£-bÀ-¸n-¨v P-\-§Ä F-hn-sS t]m-Ip-¶p F-sâ ]-W-sa-Ãmw? hym-P k-À-«n-^n-¡-äp-I-Ä X-S-bm-³ t»m-Iv-sN-bn-³ A-[n-jvTn-X \q-X-\ km-t¦-Xn-I-hn-Zy tI-c-f-¯n \-S-¸n h-cp-¶p kw-cw-`-I-ku-lr-Z kw-Øm-\-am-Im-s\m-cp-§n tI-c-fw D-tZym-Kv B-[m-dpw MSME c-Pn-kv-t{S-j-\pw F-´m-Wp t]m-¡p-h-c-hv? F-§-s\ ]qÀ-¯n-bm-¡mw?

10 s]m-Xp-ta-J-em _m-¦pI-sf e-bn-¸n-¨v \m-se-®am-¡m³ tI-{µ kÀ-¡mÀ Xo-cp-am-\w

24

16

19 30 6

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

36

Ip-«n-I-fp-sS ]T-\w A-h-sc k-½À-±-¯n B-¡p-¶-Xv F-´p-sIm-@v? ]-cn-tim-[n-¡mw..

C-¶-s¯ Im-e-L-«-¯n-se ap-XnÀ-¶h-sc-t]m-se X-s¶ Ip-«n-I-fp-sS Po-hnX-hpw h-f-sc bm-{´n-I-am-bn am-dn-¡-gnªp. kzm-`m-hn-I {]-Ir-Xn-tbm-Sn-W-§n Po-hn-¨ a-\p-jy a-\-Ên-\v C-Xv XoÀ-¯pw A-]-cn-Nn-X-am-b H-¶m-Wv

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Be the subscriber of tax Kerala and feel the difference The only magazine in Kerala , which deals with tax related topics. Subscribe and freel the difference.

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\n-Ip-Xn kw-_-Ôam-b hn-j-b-§Ä am{Xw ssI-Im-cyw sN-¿p-¶ tI-c-f-¯n-se G-I am-K-kn³ h-cn-¡m-cm-Iq... FÃm e-¡-§-fpw D-d-¸m-¡q...

Un-Pn-ä tIm-¸n-¡m-bn k-µÀ-in¡pI:magzter.com

C¶pX-s¶ Sm-Iv-kv tI-c-f am-kn-I-bp-sS h-cn-¡m-cm-Ip-I. hy-Xy-kv-X-X Xn-cn-¨-dnbpI Door No:41/3940 C2 ,Lilgy Estate, Old Railway Station Road, Ernakulam-18. Phone: 0484-4052069,93878 06090


\yq-kv A-]v-tU-ävkv

News Updates

an-\n-aw _m-e-³-kv \n-_-Ô-\ dn-k-À-hv _m-¦v ]p-\x-]-cn-tim-[n-¡pw B-[m-dn-Â hn-em-kw am-ämw; tc-J-I-fn-Ãm-sX

B tk

h - n-Mvk - v _m-¦v \n-t£-]§ - f - p-sS an-\n-aw _m-e³ - k - v \n-_Ô - \ - dn-kÀ - h - v _m-¦v ]p-\x-]c - n-tim-[n-¡p-¶p. an-\n-aw _m-e-³-kv C-Ãm-¯-Xn-\v ]n-g Cu-Sm-¡p-¶ G-À-¸m-Spw B-À_ - n-sF ]p-\x-]c - n-tim-[n-¡pw. dn-kÀ - h - v _m-¦n-sâ hm-Àj - n-I dn-t¸m-À-«n-em-Wv C-¡m-cyw hy-à-am-¡p-¶-Xv. \n-e-hn- an-\n-aw _m-e³-kv \n-_-Ô-\-bpw ]n-g-bpw ]-e _m-¦p-I-fpw hy-Xy-kv-X X-c-¯n-em-Wv Cu-Sm-¡n-bn-cp-¶-Xv. hn-tZ-i, kz-Im-cy _m-¦p-I-Ä \n-\n-aw _m-e³-kv C-Ãm-¯-Xn-\v am-kw 600 te-sd cq-] h-sc CuSm-¡n-bn-cp-¶p. C-Xv-kw-_-Ôn-¨v \n-c-h-[n ]-cm-Xn-I-fpw D-bÀ-¶ncp-¶p. \n-e-hn- am-kw an-\n-aw _m-e³-kv kw-_-Ôn-¨v sa-t{Sm, \-K-cw, A-À-[ \-K-c {]-tZ-iw, {Km-ao-W ta-J-e F-¶n-hn-S-§-fnse _m-¦p-I-fn hy-Xy-kv-X \n-c-¡p-I-fm-Wv. th-≠-{X an-\n-aw _m-e³-kv C-sÃ-¦n- F-kv-Fw-F-kv h-gn-tbm C sa-bn- h-gntbm A-¡u-≠v D-S-a-sb A-dn-bn-¡p-I-bpw ]n-g Cu-Sm-¡p-I-bpam-Wv sN-bvX - p-hc - p-¶X - v. an-\n-aw _m-e³-kv C-Ãm-¯X - n-\v _m-¦pI-Ä I-gn-ª aq-¶p-hÀ-jw sIm-≠ v 10,000 tIm-Sn-cq-]-bm-Wv ]n-g-bm-bn Cu-Sm-¡n-b-Xv.tI-{µ-kÀ-¡m-À tem-Iv-k-`-bn- A-dnbn-¨-Xm-Wn-¡m-cyw. 18 s]m-Xp-ta-J-em _m-¦p-I-Ä 6155 tIm-Sncq-] ]n-cn-s¨-Sp-¯-t¸m-Ä, \m-ev {]-ap-J kz-Im-cy-_m-¦p-I-Ä ]n-g-bn-\-¯n- Cu-Sm-¡n-b-Xv 3567 tIm-Sn-bm-Wv.

- [ m- d n-  \n- § - f p- s S hn- e m- k w am-äm-³ C-\n tc-J-I-Ä B-h-iyan-Ã. s]-s«-¶v \n-§-Ä ho-Sp-am-dn-sb-¶n-cn¡-s«, hn-em-kw sX-fn-bn-¡m-\p-Å tc-J B-h-iy-an-Ãm-sX-X-s¶ ]p-Xn-b A-{U-kv A-]v-tU-äv sN-¿m-\p-Å ku-I-cy-am-Wv bpWo-Iv sF-Uân-^n-t¡-j-³ A-tXm-dn-än GÀ-s¸-Sp-¯n-bn-«p-Å-Xv. hn-em-kw Øn-coI-cn-¡p-¶ a-säm-cm-fp-sS k-lm-b-t¯m-sSbm-Wv C-Xv km-[y-am-¡p-¶-Xv. \n-§-fv hn-hmlw I-gn-¡p-I-tbm, tPm-en kw-_-Ô-am-bn ho-Sp-am-dp-I-tbm sN-¿p-t¼mÄ Cu ku-Icyw {]-tbm-P-\-s¸-Sp-¯mw. F-§-s\ hn-emkw ]p-Xp-¡mw? Xm-a-k-¡m-c-\pw hn-em-kw sh-cn-ss^ sN-¿p-¶-bm-fpw B-[m-dn- samss_- \-¼À c-Pn-Ì-À sN-bv-Xn-«p-Å-h-cmbn- c n- ¡ - W w. Xm- a - k - ¡ m- c - \ pw hn- e m- k w Øn-co-I-cn-¡p-¶-bmÄ-¡pw sam-ss_-en- H-Sn-]n e-`n-¡pw. C-Xv ssk-än- \Â-I-Ww. hn-em-kw Øn-co-I-cn-¡p-¶-bm-fp-sS ]qÀ-Wk-½-X-ap-s≠-¦n- am-{X-sa C-Xv km-[y-amIq. bp-sF-Un-F-sF-bp-sS sh-_v-ssk-än- ssa B-[mÀ Sm-_n- dn-Iz-Ìv B-[m-À hm-entU-j-h³ se-äÀ- Sm-_v sk-e-Iv-Sv sN-bv-Xv hn-em-kw am-ämw.

t\-cn-«p-Å hn-tZ-i \n-t£-]w Iq-Sp-X-Â ta-J-e-I-fn-te-¡v

]-

e ta-J-e-I-fn-epw t\-cn-«p-Å hntZ-i \n-t£-]-¯n-\p-Å \n-_Ô-\-I-fn-Â k-À-¡m-À C-f-hv sIm-≠ph-cp-sa-¶v kq-N-\. kn-¦n-Ä {_m-³-Uv Nn-Ã-d hn-Â-]-\, Un-Pn-ä-Â ao-Un-b, I-Â-¡-cn, I-cm-À D-Â-]m-Z-\w F-¶o ta-J-e-I-fn-em-Wv C-f-hn-\v km-[y-Xsb-¶v k-À-¡m-À hr-¯-§-Ä A-dn-bn¨p. D-S-³-X-s¶ tI-{µ a-{´n-k-` C-Xv ]-cn-KW - n-¡pw. I-cm-À D-Â] - m-Z\ - ¯ - n-Â 100 i-X-am-\w hn-tZ-i \n-t£-]-¯n-\m-

8

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

Wv km-[y-X. kn-¦n-Ä {_m³-Uv Nn-Ã-d ta-J-e 30 i-X-am-\w X-t±-io-b-am-bn \n À-an-¨ D-Â-]-¶-§-Ä hm-§-W-sa-¶ \n-_Ô - \ - b - n-Â C-fh - p h-cp-¯p-sa-¶mWv {]-Xo-£. Iq-Sm-sX, Hm-^v sse-³ tÌm-dp-I-Ä Xp-d-¡p-¶-Xn-\p ap-³-]pX-s¶ Hm¬-sse-³ tÌm-dp-I-Ä Xp-d¡m-³ A-\p-h-Zn-¡p-¶ Im-cyw ]-cn-KWn-¡pw. \n-e-hn-Â Hm-^v sse-³ tÌmdp-I-Ä Xp-d-¶-Xn-\p ti-j-ta A-hÀ-¡v Hm¬-sse-³ hn-Â-]-\ km-[n-¡q. Un-

Pn-ä- ao-Un-b-bn-se hn-tZ-i \n-t£]- ¯ n- s â Im- c y- ¯ n-  a- { ´n- k - ` hy-à-X h-cp-¯p-sa-¶pw kÀ-¡m-À hr-¯-§Ä kq-Nn-¸n-¨p. [-\-a-{´n \n-Àa-e ko-Xm-cm-a-sâ B-Zy _-P-äv {]-kwK-¯n- t\-cn-«p-Å hn-tZ-i \n-t£ -]w Iq-«m-³ \-S-]-Sn-I-fp-≠m-hp-sa-¶v ]-d-ªn-cp-¶p. 2018-19 km-¼-¯n-I hÀj-¯n- t\-cn-«p-Å hn-tZ-i \n-t£]w H-cp i-X-am-\w Ip-d-ªv 4,436 tImSn tUm-f-dn- F-¯n-bn-cp-¶p.


\yq-kv A-]v-tU-ävkv

News Updates Po-h-\-¡m-cp-sS C-]n-F-^v hn-ln-Xw Ip-d-bv-¡m-³ ip-]m-À-i: I-¿n-Â-In-«p-¶ i-¼-fw Iq-Spw

sXm

-gn-em-fn-I-fp-sS C-]n-F-^v hn-ln-Xw Ipd-bv-¡m-³ tI-{µ sXm-gn-Â a-{´m-e-bw ip-]m-À-i sN-bv-Xp. C-tXm-sS I-¿n-Â In-«p-¶ i-¼-fw h-À-[n-¡pw. A-tX-k-a-bw, sXm-gn-ep-S-a-bp-sS hn-lnX-¯n-Â am-äw h-cp-¯n-Ã. _n-kn-\-kv Ìm-tâ-Um-Wv C-Xp-kw-_-Ôn-¨ dn-t¸mÀ-«v ]p-d-¯p-hn-«-Xv. sXm-gn-emfn-I-fp-sS {]m-bw, enw-Kw, e-`n-¡p-¶ i-¼-fw F-¶n-h I-W-¡m-¡n-bm-Ipw hn-ln-X-¯n-Â Ip-d-hv h-cp-¯p-I. \n-e-hn-Â sXm-gn-em-fn-epw sXm-gn-ep-S-a-bpw-Iq-Sn A-SnØm-\ i-¼-f-¯n-sâ 24 i-X-am-\-am-Wv C-]n-F-^v hnln-X-am-bn A-S-bv-¡p-¶-Xv. C-Xn-Â sXm-gn-ep-S-a-bp-sS hn-ln-Xa - m-b 12 i-Xa - m-\¯ - n-Â am-äa - p-­mI - n-Ã. Fw-t¹m-bokv s{]m-hn-Uâ v ^-v­Bâ v an-kn-tÃ-\n-b-kv _n-Ãv 2019 sâ `m-K-am-bm-Wv \nÀ-tZ-iw ap-t¶m-«p-sh-¨n-«p-Å-Xv.

hn-ä-km-[-\w Xn-cn-s¨-Sp-¡n-sÃ-¶ \n-e-]m-Sv ]m-Sn-sÃ-¶v

ssl-t¡m-S-Xn

"hn

Hm-¬-sse-³ ]-Ww ssI-am-ä-¯n-\v ]-Ww In-«p-¶-bmfp-sS k-½-Xw \n-À-_-Ô-am-¡p-hms\m-cp-§n tI-{µ-k-À-¡mÀ

Hm

-¬-sse-\m-bn ]-Ww ssI-am-äw sN-¿p¶-Xv G-Xv A-¡u-≠n-te-¡m-tWm B A-¡u-≠v D-S-a-bp-sS k-½-X-t¯m-sS am-{X-ta A-Xp km-[y-am-Iq F-¶ \n-_-Ô-\ G-À-s¸-Sp¯m-³ \o-¡w. tI-{µ [-\ a-{´m-e-b-¯n-sâ \n-ÀtZ-iw dn-k-À-hv-_m-¦v Hm-^v C-´y (BÀ-_n-sF) bp-sS ]-cn-K-W-\-bn-em-Wv.\n-e-hn-Â B-À-¡pw G-Xv A-¡u-≠n-te-¡pw Hm-¬-sse-³ ^-≠v {Sm³-kv-^-À \-S-¯mw. ]-Ww F-¯n-b ti-jw am-{Xam-Wv A-¡u-≠v D-S-a-bv-¡p k-tµ-iw e-`n-¡p-I. Cu ]-gp-Xp-]-tbm-Kn-¨p-Å hym-P C-S-]m-Sp-I-Ä X-S-bp-¶-Xn-\m-Wp kzo-I-À-¯m-hn-sâ k-½-Xw \n-À-_-Ô-am-¡p-¶-Xv.

- ä km- [ - \ w Xn- c n- s ¨- S p- ¡ p- I - t bm amän \ÂIp- I - t bm sN- ¿ n- à ' F- ¶ hym]m- c Øm- ] - \ - § - f n- s e A- d n- b n- ¸ v D- ] - t `m- à r hn- c p- ² - s a- ¶ v ssl- t ¡m- S - X n. C- ¯ - c w A- d n- b n¸p-I-Ä-s¡-Xn-tc-bp-Å K-h. D-¯-c-hv d-±p sN-¿W-sa-¶v B-hi - y-s¸-«v sIm-¨n Câ-À\ - m-jW -  - F-bÀ - t]m-À-«v A-tXm-dn-än (kn-bm-Â) k-a-À-¸n-¨ dn-«v l-À-Pn ssl-t¡m-S-Xn X-Åp-I-bpw sN-bv-Xp. F-bÀ-t]mÀ-«v A-tXm-dn-än-bp-sS Imâo-\nÂ-\n-¶v hm-§n-b km-[\-§Ä-¡v \Â-In-b _n-Ãn-Â-ev "hn-ä km-[-\w Xn-cns¨-Sp-¡p-I-tbm am-än \Â-Ip-I-tbm sN-¿n-Ã' F-¶v tc-J-s¸-Sp-¯n-bn-cp-¶p. C-Xv Kp-W-ta-·-bn-Ãm-¯ D-Â-]-¶w am-dn e-`n-¡m-\p-Å D-]-t`m-àm-hn-sâ A-h-Im-i-¯n-sâ ew-L-\-am-sW-¶pw \-ã-]-cnlm-cw th-W-sa-¶pw B-h-iy-s¸-«v C-Sp-¡n Pn-Ãm D-]-t`m-àr hn-Pn-e³-kv t^m-dw F-d-Wm-Ip-fw PnÃm D-]-t`m-àr XÀ-¡ ]-cn-lm-c t^m-d-¯n- lÀPn \Â-In-bn-cp-¶p. ]-cm-Xn ]-cn-tim-[n-¨ F-d-WmIp-fw t^m-dw, hn-Pn-e³-kv t^m-d-¯n-sâ hm-Zw Aw-Ko-I-cn-¨p. tI-kv \-S-¯n-¸v sN-e-hm-bn ]-cm-Xn¡m-c-\v A-¿m-bn-cw cq-] \Â-Im-\pw hn-[n-¨p. C-Xns\-Xn-tc kn-bm- kw-Øm-\ D-]-t`m-àr XÀ-¡ ]-cn-lm-c I-½o-j-\n- A-¸o- \Â-In. kw-Øm-\ I-½o-j-³ A-¸o- X-Åp-I-bpw tI-kv \-S-¯n-¸v sN-e-hv ]-Xn-\m-bn-cw cq-]-bm-bn hÀ-[n-¸n-¡p-I-bpw sN-bv-Xp. Xp-SÀ-¶v kn-bm- ssl-t¡m-S-Xn-bn- \Â-In-b dn-«v lÀ-Pn-bm-Wv Cu-bn-sS X-Ån-bX - v. C-Sp¡n Pn-Ãm I¬-kyq-a-À hn-Pn-e³-kv t^m-dw {]-knUâ v Fw.F-³. a-t\m-l-À, sk-{I-«-dn sk-_m-Ìy-³ F-{_-lmw F-¶n-h-cm-Wv G-gp-hÀ-j-s¯ \n-b-at]m-cm-«w \-S-¯n-b-Xv.

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am-µyw tem

- I - s ¯ {]- [ m- \ k-¼-Zv hy-h-ØI-fn-se h-f-À-¨m \n-c-¡n-ev Ipd-hp-≠m-b-Xn-\v ]p-d-sa Hm-l-cn hn-]-W-I-fn-se X-I-À-¨-bpw kqNn-¸n-¡p-¶-Xv tem-Iw ho-≠pw H-cp km-¼-¯n-I am-µy-¯n-sâ ]n-Sn-bn-te-¡v \o-§p-¶-Xm-bmWv. ssN-\-bn-Âv-\n-¶p-Å Nn-e D- X v - ] - ¶ - § - Ä - ¡ v C- d - ¡ p- a - X n Xo-cp-h h-À-[n-¸n-¡p-¶-Xv sk-]v -äw-_-dn- \n-¶v Un-kw-_-dn-te¡v am-än-b-Xn-\v ti-j-hpw Hm-lcn hn-]-Wn-bn- D-≠m-b C-Sn-hv \n-t£-]-I-À-¡n-S-bn-ep-Å hnizm-k-¡p-d-hn-sâ {]-Xn-^-e-\am-bm-Wv [-\-Im-cy hn-Z-Kv-Z-À hne-bn-cp-¯p-¶-Xv. Hm-l-cn-hn-]-Wn-bn-se {]-XnIq-e N-e-\-§Ä-¡-¸p-dw temI- s ¯ {]- [ m- \ k- ¼ - Z v hy- h Ø- I - f n- s e h- f À- ¨ \n- c - ¡ v C-Sn-ª-Xn-s\-bm-Wv am-µy-¯nsâ e-£-W-am-bn km-¼-¯n-I hn- Z - K v - Z - À I- W - ¡ m- ¡ p- ¶ - X v . hym- ] m- c bp- ² w, s{_- I v - k n- ä v F- ¶ n- h - b pw [- \ - h n- ] - W n- s b X-fÀ-¯p-¶-Xm-bm-Wv dn-t¸mÀ«v. A-ta-cn-¡-bn-se Hm-l-cn kqNn-I-bm-b tUm tPm¬-kv 800 t]m-bnâm-Wv I-gn-ª Zn-h-kw C-Sn-ª-Xv. Cu hÀ-j-s¯ G-ähpw h- e n- b X- I À- ¨ - b m- W n- X v . C- X n- \ v ]p- d - s a F- ® - h n- e n- b nepw C- S n- h p- ≠ m- b - X pw tem- I k-¼-Zv hy-h-Ø am-µy-¯n-te¡v \o-§p-¶-Xn-sâ kq-N-\-bmbm-Wv I-W-¡m-¡p-¶-Xv. tem-I-s¯ G-ä-hpw h-en-b c-≠v k-¼-Zv hy-h-Ø-I-Ä {]-Xnk-Ôn-bp-sS e-£-W-§-Ä ImWn-¨p Xp-S-§n. A-ta-cn-¡-bn- km- ¼ - ¯ n- I h- f À- ¨ Cu km¼-¯n-I hÀ-j-¯n-sâ c-≠mw ]m-Z-¯n- 2.1 i-X-am-\w am-{X-

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k-Xy-tam an-Yy-tbm? tem-I hym-]m-I-am-bn km-¼-¯n-I am-µyw D-s@-¶v hn-e-bn-cp-¯p-¶-Xn-\v A-´m-cm-{ã \m-W-b \n-[n t]m-ep-Å Øm-]-\-§-Ä th-sd Nn-e I-W-¡p-I-fm-Wv C-Xp-am-bn _-Ô-s¸-«v I-W-¡m-¡p¶-Xv. km-¼-¯n-I h-f-À-¨-bn-se C-Sn-hn-\v ]p-d-sa F-®-bv-¡p-Å B-h-iy-I-X-bn-ep-Å C-Sn-hv, F-¶n-h-bm-W sF-Fw-F-^v {]-[m-\-am-bn ]-cn-K-Wn-¡p-¶-Xv. tem-I km-¼-¯n-I h-f-À-¨ 2.5 i-Xam-\-am-bm-Â km-¼-¯n-I am-µy-sa-¶m-Wv A-´m-cm-{ã G-P-³-kn-I-Ä hn-e-bn-cp-¯n-b-Xv

am-bn. I-gn-ª-hÀ-jw C-tX ]m-Z-¯n-Âv 3.2 i-X-am-\-ambn-cp-¶p h-fÀ-¨. ssN-\-bpsS km-¼-¯n-I h-fÀ-¨ C-Snbm-³ Xp-S-§n-bn-«v Ip-d-¨m-bn. ssN- \ o- k v \- K - c - § - f n- s e sXm-gn-en-Ãm-bv-a dn-t¡mÀ-Uv

\n-c-¡n-te-¡v F-¯p-I-bmsW-¶m-Wv hmÄ-kv-{Sov-äv tPW-en-sâ dn-t¸mÀ-«n-Â ]-d-bp¶-Xv. 17 hÀ-j-s¯ G-ä-hpw Xm-gv-¶ \n-c-¡n-em-Wv ssN\-bp-sS hy-h-km-b h-fÀ-¨m \n- c - ¡ v . hy- h - k m- b - h - f À- ¨ -

bp- s S {]- [ m- \ tXm- X m- b n I-W-¡m-¡p-¶ ^m-Î-dn D-Xv]m-Z\ - w 2008 se km-¼¯ - n-I am-µy-Im-e-s¯ A-h-Ø-bnse- ¯ n. P- ¸ m- \ pw am- µ yw A-I-äm-³ ]m-Sp-s]-Sp-I-bmWv. ssN- \ - b pw A- t a- c n- ¡ bpw X- ½ n- e p- Å hym- ] m- c bp- ² - ¯ n- s â ]m- Ý m- ¯ - e ¯n-em-Wv hmÄ-kv-{So-än-se Hm-l-cn kq-Nn-I-I-fn- aq-¶v i-X-am-\-¯n-sâ Ip-d-hp-≠mb-Xv. t_m-≠v hn-]-Wn-bm-Wv am- µ y- ¯ n- s â kq- N - \ - I - Ä G-ä-hpw Iq-Sp-X- {]-Xn-^-en¸n-¨-Xv. c-≠v hÀ-j-s¯-bpw ]-¯p-hÀ-j-s¯-bpw t_m≠p-I-fp-sS hn-]-Wn-bn- Imcy-am-b am-µy-am-Wv A-\p-`h-s¸-«-Xv. C-¯-c-¯n-sem-cp {]-Xn-`m-kw 2008 se km-¼-


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Cover Story ¯n-I am-µy-¯n-\v sXm-«p-ap-¼v am-{X-amWv {]-I-S-am-b-Xv. Hm- l - c n hn- ] - W n- b n- s e X- I À- ¨ sb A-ta-cn-¡-bp-sS tI-{µ _m-¦m-b s^-U-d- dn-kÀ-hn-sâ \-b-k-ao-]-\§-Ä Im-c-W-am-sW-¶m-Wv {]-kn-Uâ v {Sw-]n-sâ \n-e-]m-Sv. hm-bv-] \n-c-¡n- s^-U-d- dn-kÀ-hv h-cp-¯n-b Ip-d-hv ]-cym-]v-X-a-sÃ-¶m-Wv {Sw-]n-sâ \n-e]m-Sv. F-¶m- [-\-ta-J-e-bn-se Xocp-am-\-§-f-Ã, ssN-\-bp-am-bp-Å hym]m-c bp-²-am-Wv {]-Xn-k-Ôn cq-£-am¡p-¶-sX-¶m-Wv km-¼-¯n-I [-\ taJ-e-bn-se hn-Z-Kv-Z-À A-`n-{]m-b-s¸-Sp-¶Xv. I-gn-ªa - m-ka - m-Wv A-ta-cn-¡b - n-se s^-U-d- dn-kÀ-hv ]-en-i \n-c-¡n- Ip- d - h v h- c p- ¯ n- b - X v . 2008 \p- t i- j w B- Z y- a m- b m- W v C- ¯ - c - ¯ n-  A- t acn-¡-³ tI-{µ _m-¦v ]-en-i \n-c-¡n- Ip-d-hv h-cp-¯p-¶-Xv. km- ¼ - ¯ n- I hÀ- j - ¯ n- s e c- ≠ v IzmÀ-«-dp-I-fn- Xp-SÀ-¨-bm-bn km-¼¯n- I h- f À- ¨ Ip- d - b p- ¶ {]- X n- ` m- k s¯-bm-Wv km-¼-¯n-I am-µy-am-bn cmPy-§-Ä I-W-¡m-¡p-¶-Xv. F-¶m- tem-I hym-]m-I-am-bn km-¼-¯n-I amµyw D- s ≠- ¶ v hn- e - b n- c p- ¯ p- ¶ - X n- \ v A-´m-cm-{ã \m-W-b \n-[n t]m-ep-Å Øm-]-\-§-Ä th-sd Nn-e I-W-¡p-Ifm-Wv C-Xp-am-bn _-Ô-s¸-«v I-W-¡m¡p-¶-Xv. km-¼-¯n-I h-fÀ-¨-bn-se C-Sn-hn-\v ]p-d-sa F-®-bv-¡p-Å B-hiy-I-X-bn-ep-Å C-Sn-hv, F-¶n-h-bm-W sF-Fw-F-^v {]-[m-\-am-bn ]-cn-K-Wn¡p-¶X - v. tem-I km-¼¯ - n-I h-fÀ-¨ 2.5 i-X-am-\-am-bm- km-¼-¯n-I am-µy-sa¶m-Wv A-´m-cm-{ã G-P³-kn-I-Ä hne-bn-cp-¯n-b-Xv. tem-I hym-]m-c-¯n- C- S n- h p- ≠ m- I p- ¶ - X v am- { X- a - à C- t ¸mgp-Å B-i-¦-bv-¡v Im-c-Ww. ssN-\bpw A- t a- c n- ¡ - b pw X- ½ n- e p- Å hym]m-c-bp-²-¯n- C-d-¡p-a-Xn Xo-cp-h

hÀ-[n-¸n-¡m-³ Xo-cp-am-\n-¨-Xv D-]-t`màr D-Xv-]-¶-§Ä-¡m-Wv. C-Xv D-Xv-]¶-§-fp-sS hn-e-¡q-Sp-X-en-\pw Un-amâ v Ip-d-bv-¡m-\pw C-S-bm-¡pw. D-Xv-]-¶-§fp-sS Un-amâ v Ip-d-bp-¶-tXm-sS Cu ta-J-e-bn-ev \n-t£-]w \-S-¯m-³ I-¼\n-IÄ a-Sn-¡pw. C-Xv Iq-Sp-X- km-¼¯n-I X-fÀ-¨-bv-¡v Im-c-W-am-Ip-sa-¶pam-Wv B-i-¦. 2008 se km-¼-¯n-I am-µyw C-´ysb _m- [ n- ¨ n- c p- ¶ n- à . A- ¶ v k- ¼ - Z v hy-h-Ø-bn-se kÀ-¡m-À \n-b-{´-Wam-bn-cp-¶p h-en-b {]-Xn-k-Ôn-bnÂ\n-¶v C-´y-sb c-£n-¨-Xv. F-¶m- C-¶-s¯ Øn-Xn A-X-Ã. cm-Py-¯nsâ I-b-äp-a-Xn-bn- C-t¸m-Ä-X-s¶ Ip-

d-hp h-¶n-«p-≠v. B-`y-´-c Un-amân-epw Ip-d-hp-Å-Xn-\m-Â tem-I km-¼-¯n-I cw-K-¯v D-≠m-Ip-¶ am-µyw C-´y-sbbpw {]-Xn-Iq-e-am-bn _m-[n-¡m-\m-Wv km-[y-X. I-b-äp-a-Xn hÀ-[n-¡p-I-bmWv C- X n- \ v lr- k z Im- e ]- c n- l m- c w. F- ¶ m- Â tem- I am- µ y- ¯ n- \ n- S - b n- Â C-Xn-sâ km-[y-X-I-Ä F-{X-t¯m-f-am-

\n-Ip-Xn-Zm-b-I-sc D-tZym-KØÀ ]o-Un-¸n-¡p-¶p-sh-¶ ]-cm-Xn kÀ-¡mÀ Ku-ch-t¯m-sS-bm-Wv Im-Wp¶-Xv. bm-YmÀ-°y-hp-am-bn _-Ô-s¸-« \n-Ip-Xn h-cpam-\-am-Wv e-£y-an-Sp-¶-sX¶pw A-Xp-sIm-@p X-s¶ \n-Ip-Xn-Zm-b-I-sc th-«-bmSp-¶ co-Xn H-gn-hm-¡-Ww F-¶p-am-Wv kÀ-¡mÀ \n-e-]m-Sv sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

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Wv F-¶v I-≠-dn-b-Ww.

am-µy-s¯ {]-Xn-tcm-[n-¡m³ k-Xz-c-\-S-]-Sn-I-fp-am-bn kÀ-¡mÀ km-¼-¯n-I am-µyw H-cp B-tKm-f {]-Xn-`m-k-am-sW-¶n-cn-s¡, C-´y IqSp-X sa-¨-s¸-« km-¼-¯n-I h-fÀ-¨bn B-sW-¶v [-\-a-{´n \nÀ-a-e koXm- c m- a ³. 2014 ap- X  kÀ- ¡ m- c n- s \ {]-Y-a ]-cn-K-W-\ km-¼-¯n-I ]-cn-jvIm-c-hpw h-fÀ-¨-bp-am-Wv. Cu e-£yw G-sd-¡p-sd ssI-h-cn-¡m³ kÀ-¡mcn- \ m- b n F- ¶ - X v B- i m- h - l - a m- W v . B- t Km- f {]- X n- i oÀ- j DÂ- ] m- Z - \ w C-t¸mÄ 3.2% am-{X-am-Wv. A-ta-cn-¡bpw ssN-\-bpw X-½n-ep-Å hym-]m-c bp-²-hpw ssN-\-bp-sS I-d³-kn X-IÀ¨-bp-sam-s¡ {]-Xn-k-Ôn-¡v Im-c-Wam-bn. k-¼-¯v h-fÀ-¯p-¶-h-sc t{]m -Õm-ln-¸n-¡p-I F-¶-Xm-Wv {]-[m-\-a{´n {]-Jym-]n-¨-Xpw _-P-än ap-t¶m«p-sh-¨-Xp-am-b k-ao-]-\-co-Xn. _-P-äv A-h-X-c-W-¯n-\p ti-jw hn-hn-[ ta-Je-I-fn D-Å-h-cp-am-bn NÀ-¨ \-S-¯n ]-cm-Xn-IÄ tI-«-Xv Cu km-l-N-cy-¯nem-Wv. Hm-tcm ta-J-e-bn-epw D-Å-h-sc k-ao-]n-¨v {]-iv-\-§Ä ]-cn-l-cn-¡m-\mWv {i-aw. H-ä-Zn-h-kw-sIm-≠v I-¼-\n-IÄ c-PnÌÀ sN-¿m³ ku-I-cyw, ]-²-Xn-IÄ¡p-Å ]-cn-Øn-Xn A-\p-a-Xn th-K-¯nem- ¡ m³ Xp- S - § n ]- e \- S - ] - S n- I - f pw F-Sp-¯n-«p-≠v. N-c-¡p-tk-h-\ \n-Ip-Xnbp-am-bn _-Ô-s¸-« Iq-Sp-X \-S-]-SnIÄ D-≠m-Ipw. Pn F-kv Sn Iu¬-kn Iq-«m-bn Xo-cp-am-\n-t¡-≠-Xm-Wn-Xv. B-Zm-b, N-c-¡v tk-h-\ \n-Ip-Xn-IÄ A-Xn-\p-Å kw-hn-[m-\-§Ä G-ä-hpw kp-Xm-cy-hpw e-fn-X-am-¡m-\m-Wv kÀ¡mÀ {i-aw. Hm¬-sse³ kw-hn-[m-\¯n-eq-sS B-Zm-b-\n-Ip-Xn dn-t«¬ t^man hn-h-c-§Ä ap³-IqÀ e-`y-am-¡n \Â-Ip-¶-Xv ({]o ^n-Ãnw-Kv) DÄ-s¸-sS C-Xn-sâ `m-K-am-Wv. H- t Îm- _ À 1 ap- X  I- ¼ yq- « - d n- e qsS A- à m- s X e- ` n- ¡ p- ¶ - X pw k- h nti-j Xn-cn-¨-dn-b \-¼À (Un sF F³) C-Ãm-¯-Xp-am-b B-Zm-b-\n-IpXn t\m-«o-kp-I-fpw a-äpw \n-b-a-]-c-ambn C-Ãm-Xm-Ip-sa-¶v {]-Jym-]n-¨n-«p-≠v. H- t Îm- _ À- H - ¶ n- \ p ap- ¼ p- Å t\m- « okp-IÄ ho-≠pw I-¼yq-«À kw-hn-[m-\¯n-eq-sS e-`y-am-Ipw. H-tÎm-_À H-¶pap-X t\m-«o-kp-I-fpw a-dp-]-Sn e-`n-¨ aq- ¶ p am- k - ¯ n- \ - I w XoÀ- ¸ m- ¡ pw. \n-Ip-Xn-Zm-b-I-cp-sS D-tZym-K-ØÀ ]oUn-¸n-¡p-¶p-sh-¶v ]-cm-Xn kÀ-¡mÀ Ku-c-h-t¯m-sS-bm-Wv Im-Wp-¶-Xv. bm12

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

t\m-«v A-¨-Sn-¨v t_m-@pIÄ hm-§p-I-bpw _m-¦pIÄ-¡p I-Sw sIm-Sp-¡pI-bp-sa-Ãmw sN-¿p-t¼mÄ dn-kÀ-hv _m-¦n-\v h-cpam-\-ap-@m-Ipw. sN-e-hp I-gn-ªp-Å em-`-¯n H-cp `m-Kw D-S-a-Ø-\m-b tI-{µ-kÀ-¡m-cn-\v hÀ-jw tXm-dpw em-`-hn-ln-X-am-bpw dn-kÀ-hv _m-¦v \Â-Ip-¶p. A-§-s\ 30,000 tIm-Sn ap-X 65000 tIm-Sn h-sc Xp-I Hm-tcm hÀ-j-hpw tI-{µ-kÀ-¡m-cn-te-bv-¡v A-S-¨n-«p@v. _m-¡n em-`w ap-gp-h³ I-cp-X ti-Jc-¯n-te-bv-¡pw dn-kÀ-hv _m-¦n-sâ aq-e-[-\-ti-jn hÀ-²n-¸n-¡p-¶-Xn-te-bv¡pw \o-¡n-sh-bv-¡p-I-bmWv sN-¿p-I

YmÀ-°y-hp-am-bn _-Ô-s¸-« \n-Ip-Xn h-cp-am-\-am-Wv e-£y-an-Sp-¶-sX-¶pw A-Xp-sIm-≠p X-s¶ \n-Ip-Xn-Zm-b-Icp-sS th-«-bm-Sp-¶ co-Xn H-gn-hm-¡-Ww F-¶p-am-Wv kÀ-¡mÀ \n-e-]m-Sv. \n-IpXn h-Ip-¸n-se D-tZym-K-ØÀ XoÀ-¯pw H-gn-hm-¡m-\m-hm-¯ km-l-N-cy-¯n am-{Xw t\-cn-«p Im-tW-≠ co-Xn-bn-te¡v kw- h n- [ m- \ - § Ä am- d p- I - b m- W v . C-Xn-\p-Å \-S-]-Sn-IÄ A-Sp-¯ hn-P-bZ-i-an-bn {]m-_-ey-¯n h-cp-sa-¶v [-\-a-{´n hy-à-am-¡n. _p-²n sh-«n¸p-Im-sc tIm-S-Xn I-b-äp-¶-Xn-\pw in£n-¡p-¶-Xn-\pw ]-I-cw ]n-g-bo-Sm-¡n tI-kv A-h-km-\n-¸n-¡m-\m-Wv \nÀ-t±iw. F-¶m Cu k-ao-]-\-t¯m-Sv {]Xy-£ \n-Ip-Xn t_mÀ-Un-\p hn-tbm-Pn¸p-s≠-¶m-Wv kq-N-\. _m-¦v hm-bv-]m X-«n-¸v tI-kn A-I-s¸-« hn-tZ-i-t¯¡v I-S-¶p I-f-ª hn-P-bv-a-ey-bp-sS Øm-]-\w Sn Un-F-kv C-\-¯n 800 tIm-Sn cq-]-bm-Wv kÀ-¡m-cn-\v \Â-Im\p-Å-Xv. C-¯-c-¡m-tcm-Sv D-Zm-c-X ImWn-¨m \n-Ip-Xn h-cp-am-\w Ip-d-bpw F-¶-Xv {]-iv-\-am-Wv. h³-In-S \n-Ip-Xn sh-«n-¸p-ImÀ DÄ-s¸-sS ]n-g-b-S-¨p X-Sn¸pw F-¶X - v \n-eh - n-se B-Zm-b \n-Ip-Xn \n-ba - ¯ - n-se A-´k - ¯ - b - v¡ - p \n-c¡ - p¶-X-sÃ-¶pw t_mÀ-Uv hr-¯-§Ä kqNn-¸n-¡p-¶p. D-bÀ-¶ t{i-Wn-bn-ep-Å B- Z m- b \n- I p- Xn- Z m- b - I À \Â- t I- ≠ kÀ-¨mÀ-Öv A-Sp-¯ kzm-X-{´y-Zn-\¯n ]n³-h-en-¡p-sa-¶pw {]-Jym-]\-ap-≠v.

tI-c-f-kÀ-¡m-cn-sâ \n-e-]m-Sv dn-kÀ-hv _m-¦n-sâ ]-W-¯n tI{µ- k À- ¡ mÀ t\m- « - a n- « n- « v Ip- d - ¨ p hÀj-am-bn. t\m-«p-\n-tcm-[n-¨-t¸mÄ ]-dª \ym-bw C-Xm-Wv. I-Å-¸-W-¯n \- s Ãm- c p `m- K w Xn- c n- ¨ p h- c n- s Ã- ¶ pw A-§-s\ tI-{µ-kÀ-¡m-cn-sâ _m-[yX-bn H-cp-`m-Kw C-Ãm-Xm-Ip-sa-¶pw ap³-tI-{µ-[-\-a-{´n t]m-epw hn-iz-kn¨n-cp-¶p. A-t¸mÄ dn-kÀ-hv _m-¦n-\p≠m- I p- ¶ em- ` w tI- { µ- k À- ¡ m- c n- \ p e-`n-¡p-sa-¶m-bn-cp-¶p A-h-cp-sS In\m-hv. Np-cp-§n-b-Xv aq-¶p e-£w tImSn cq-]-bm-Wv C-§-s\ {]-Xo-£n-¨-Xv. F-¶mÂ, A-¨-Sn-¨ G-Xm-≠v ap-gp-h³ ]-W-hpw dn-kÀ-hv _m-¦n Xn-cn-¨p-h¶p. t\m-«p-\n-tcm-[-\w aq-ew cm-Py-¯nsâ k-¼-Zv-L-S-\ Ip-«n-t¨m-dm-b-Xv an-¨w. B L-«-¯n-em-Wv dn-kÀ-hv _m-¦n-sâ `o-a³ I-cp-X ti-J-c-¯n _n-sP-]n -bp-sS I-®p ho-W-Xv. dn- k À- h v _m- ¦ v [- \ - h y- h - Ø - s b \n-b-{´n-¡p-¶ [-\-Im-cy-Øm-]-\-am-


I-hÀ tÌm-dn Wv. t\m-«v A-¨-Sn-¨v t_m-≠p-IÄ hm§p-I-bpw _m-¦p-IÄ-¡p I-Sw sIm-Sp¡p-I-bp-sa-Ãmw sN-¿p-t¼mÄ dn-kÀ-hv _m-¦n-\v h-cp-am-\-ap-≠m-Ipw. sN-e-hp I-gn-ªp-Å em-`-¯n H-cp `m-Kw D-Sa-Ø-\m-b tI-{µ-kÀ-¡m-cn-\v hÀ-jw tXm-dpw em-`-hn-ln-X-am-bpw dn-kÀ-hv _m-¦v \Â-Ip-¶p. A-§-s\ 30,000 tImSn ap-X 65000 tIm-Sn h-sc Xp-I Hmtcm hÀ-j-hpw tI-{µ-kÀ-¡m-cn-te-bv¡v A-S-¨n-«p-≠v. _m-¡n em-`w ap-gp-h³ I-cp-X ti-J-c-¯n-te-bv-¡pw dn-kÀhv _m-¦n-sâ aq-e-[-\-ti-jn hÀ-²n-¸n¡p-¶-Xn-te-bv-¡pw \o-¡n-sh-bv-¡p-Ibm- W v sN- ¿ p- I . _n- s P- ] n kÀ- ¡ mÀ Cu em-`-hn-ln-Xw sIm-≠p Xr-]v-X-c-Ã. C-{X-b-[n-Iw aq-e-[-\-hpw I-cp-X tiJ-c-hpw dn-kÀ-hv _m-¦n-\v B-h-iy-an-söpw G-gp e-£w tIm-Sn cq-]-sb-¦n-epw H-cp hn-j-a-hp-an-Ãm-sX tI-{µ-kÀ¡m-cn-te-bv-¡v X-cm³ H-cp {]-bmk- h pw D- ≠ m- h n- à F- ¶ p- a m- W v A-hÀ hm-Zn-¨-Xv. A-Xp t\m-«p-\n-tcm-[-\w t]msem-cp hn-\m-i-am-Ipw F-¶v hnZ-Kv-[À-s¡-Ãmw G-Im-`n-{]m-b-ambn-cp-¶p. C-Xv dn-kÀ-hv _m-¦n-sâ hn-izm-ky-X X-IÀ-¡pw. C-Xp-t]msem-cp \-S-]-Sn kzo-I-cn-¨ AÀPâo-\-bn-ep-≠m-b hn-tZ-i hn-\na-b ta-Je - b - n-se X-IÀ-¨ dn-kÀ-hv _m-¦v sU-]yq-«n K-hÀ-WÀ B-Nmcy X-sâ {]-kn-²-am-b t_mw-s_ {]- k w- K - ¯ n ]- c m- a À- i n- ¨ - X v h-en-b hn-hm-Z-¯n-\v h-gn sX-fn¨p. K-hÀ-WÀ DuÀ-Pn-Xv ]-t«Â cm-Pn-sh-¨p t]m-bn. ]-t£, tI-{µ-kÀ¡mÀ Ip-ep-§n-bn-Ã. X-§-fp-sS hn-izkv-X-\m-b ap³ tI-{µ sk-{I-«-dn i-ànIm-´v Zm-kv Kp-]v-X-sb sN-bÀ-am-\m-¡n. Kp-cp-aqÀ-¯n-b-S-¡w c-≠p _n-sP-]n-¡msc t_mÀ- U n- t e- b v - ¡ v \nÀ- t ±- i n- ¨ p. A-§-s\-bm-Wv _n-a P-em I-½nän-sb cq-]o-I-cn-¨-Xv. P-em ]qÀ-W-ambpw tI-{µ-kÀ-¡m-cn-sâ Xm-f-¯n-\p Xp-Åm³ X-¿m-dm-bn-Ã. X-e-bn Bįm-a-k-ap-Å H-cmÄ-¡pw A-Xn-\p I-gnbp-am-bn-cp-¶n-Ã. Cu I-½n-än-bn AwK-am-b ^n-\m³-kv sk-{I-«-dn-bpw a-äp I-½n-än Aw-K-§-fpw X-½n-ep-≠m-b hmKzm-Z-§Ä C-¶v A-§m-Sn-¸m-«m-Wv. A-hkm-\w 1.76 e-£w tIm-Sn cq-] tI-{µ-kÀ¡m-cn-\p ssI-am-dp-¶-Xn-\v ip-]mÀ-i sN-bv-Xp. A-§-s\ dn-kÀ-hv _m-¦n-sâ I-cp-XÂ-ti-J-c-¯n-sem-cp-`m-Kw ssI¡-em-¡m³ tI-{µ-kÀ-¡mÀ I-gn-ª H-cp hÀ-j¯ - n-te-sd-bm-bn \-S¯ - n-s¡m≠n-cn-¡p-¶ {i-a-§Ä H-cp ]-cn-[n-h-sc 14

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

Cover Story hn-P-bn-¨n-cn-¡p-I-bm-Wv. am- µ y- ¯ n- s \- X n- s c- b p- Å D- t ¯P- I - ] m- t ¡- P n- \ v C- X p k- l m- b n- ¡ pw F- ¶ m- W v ]- e {]- a p- J am- [ y- a - § - f psS-bpw ip-`-{]-Xo-£. aq-¡p sXm-Sm³ X-e-bv-¡p ]n-¶n-eq-sS ssI \o-t«-≠ B-h-iy-sa-´v F-¶ tNm-Zyw Cu A-hk-c-¯n {]-k-à-am-Wv. D-t¯-P-I ]m-t¡-Pn-\p ]-Ww I-s≠-¯m³ c-≠p amÀ-Ka - p-≠v. H-¶v, _m-¦p-If - n-epw I-t¼mf-¯n-epw \n-¶pw hm-bv-]-sb-Sp-¡p-I. C-Xp sN-bv-Xm A-{X-bpw Ip-d-hp ]-Wta kz-Im-cy \n-t£-]-IÀ-¡p e-`n-¡q. X-·q-ew ]-en-i D-b-cmw. c-≠m-a-s¯ amÀ-Kw dn-kÀ-hv _m-¦n \n-¶v hm-bv]-sb-Sp-¡p-I-bm-Wv. {Km-ay-`m-j-bn C-Xn-s\-bm-Wv I-½n-¸-Ww A-¨-Sn-¡p-I F-¶p ]-d-bp-¶-Xv. km-¼-¯n-I im-kv-

{X-`m-j-bn mon-e-ti-sa-tion o-f d-e-b-t F-¶p ]-d-bpw. ]p-Xn-b ]-Ww k-¼-Zv-LS-\-bn C-d-¡p-¶-Xn-\p Xp-ey-am-Wv. hn-e-¡-b-äw kr-ãn-¡mw. C-Xn-te-Xp amÀ-Kw kzo-I-cn-¨m-epw hm-bv-]-bm-b-XpsIm-≠v [-\-¡-½n D-b-cpw. C-Xv hn-tZ-i aq-e[ - \ - ¯ - n-\v N-XpÀ-°n-bm-Wv. A-hs - c A-tem-k-c-s¸-Sp-¯n-bm F-´p kw-`hn-¡p-sa-¶v I-gn-ª H-cp am-k-¯n-\nsS \mw \-¶m-bn a-\-kn-em-¡n-bn-«p-≠v. sj-bÀ hym-]m-c¯ - n \n-¶v e-`n-¡p-¶ sa-¿-\-§m em-`-¯n-t·Â sN-dn-sbm-cp \n-Ip-Xn tI-{µ-[-\-a-{´n _-P-än GÀs¸-Sp-¯n. c-≠m-gv-N sIm-≠v 30,000 tImSn cq-]-bm-Wv Hm-l-cn-¡-t¼m-f-¯n \n-¶v hn-tZ-i \n-t£-]-IÀ ]n³-h-en-¨Xv. Hm-l-cn-hn-e-bpw C-Sn-ªp. C-t¸mÄ X-sâ an-\n-_-P-än Cu \n-Ip-Xn H-gnhm-¡n-s¡m-Sp-¯p. A-tXm-sS Hm-l-cnkq-Nn-I Ip-¯-s\ D-bÀ-¶p. C-´ym kÀ-¡m-cn-\v hn-tZ-i \n-t£]-I-sc ]n-W-¡m-\m-hn-Ã. Im-c-Ww kÀ-

¡mÀ h-àm-¡Ä h-¼p ]-d-bp-¶ `o-a³ hn-tZ-i \m-W-b I-cp-X ti-J-cw apJy-am-bpw C-hÀ sIm-≠p-h-¶-Xm-Wv. hn-tZ-i \n-t£-]-IÀ ^m-Î-dn-I-fpw a-äpw Øm-]n-¡m³ sIm-≠p-h-¶ ]-W-a-Ã. Hm- l - c n - N - c - ¡ v Du- l - ¡ - ¨ - h - S - ¯ n I- f n- ¡ m³ sIm- ≠ p- h - ¶ ]- W - a m- W v . A-Xp-sIm-≠v C-Xv sRm-Sn-t\-cw sIm≠v ]n³-h-en-¡m³ ]-äpw. C-¯-c-sam-cp ]n³-am-äw cq-]-bp-sS hn-tZ-i hn-\n-a-b aq-ey-¯-IÀ-¨-bn-te-bv-¡pw hn-tZ-i hym]m-c kv-Xw-`-\-¯n-te-bv-¡pw \-bn-¡pw. C-´ym kÀ-¡mÀ ]p-en-¸p-d-¯m-Wv bm{X. Xm-sg-bn-d-§m³ ]-än-Ã. A-Xp-sIm-≠m-Wv I-Å¡ - W - s - ¡-gpXn-bm-sW-¦n-epw [-\-¡-½n 3.3 i-X-am\-¯n ]n-Sn-¨p \nÀ-¯n-bp-Å _-P-äv \nÀ-½-e ko-Xm-cm-a³ A-h-X-cn-¸n-¨Xv. _-P-äv A-h-X-c-Ww I-gn-ª D- S ³- X - s ¶ s{]m- ^ . P- b - X ntLm-jv 2018-19se d-h-\yq h-cpam-\ C-Sn-hv a-d-¨p-sh-¨-Xn-sâ ^- e - a m- b n _- P - ä n- s e d- h - \ yq h-cp-am-\w G-Xm-≠v H-cp e-£¯n- t e- s d tIm- S n s]- c p- ¸ n- ¨ p Im-Wn-¨n-cn-¡p-I-bm-sW-¶v Nq≠n-¡m-Wn-¨p. ]-t£, [-\-a-{´n {]-Xn-I-cn-¨n-Ã. ]n-¶o-Sv sF-FwF-^v dn-t¸mÀ-«n-epw C-Xp ]-cmaÀ- i n- ¨ p. ]- t £, [- \ - a - { ´n H-¶pw D-cn-bm-Sn-bn-Ã. F- à mw t\- c - s ¯ Xo- c p- a m\n-¨ Xn-c¡ - Y - {]-Im-cw. C-t¸mÄ dn- k À- h v _m- ¦ n \n- ¶ p- Å \n-Ip-Xn-bn-X-c h-cp-am-\ hÀ-²\-tbm-sS Cu {]-iv-\w ]-cn-lcn-¡-s¸-«p. ]-t£, dn-kÀ-hv _m-¦n \n-¶p-Å ^-≠p-sIm-≠v D-t¯-P-I ]m -t¡-Pv D-≠m-Ip-sa-¶v ]-e-cpw {]-I-Sn-¸n¡p-¶ {]-Xo-£ Zn-hm-kz-]v\ - w B-Im-\mWv km-[y-X. I-½n Iq-«m-sX D-t¯-P-I ]m-t¡-Pv km-[y-a-Ã. 1.76 e-£w tIm-Sn cq-] t]m-epw C-¯-c-¯n-se-Sp-¡p-¶-Xv dn-kÀ-hv _m-¦n-sâ hn-izm-ky-X-sb-bpw B-k-¶-am-b [-\-Im-cy-¡p-g-¸-¯n C-S-s]-Sm-\p-Å ti-jn-sb-bpw _m-[n¡pw F-¶ A-`n-{]m-b-am-Wv a-äp ]-e K-hÀ-W-amÀ-¡pw km-¼-¯n-I hn-Z-Kv[À-¡p-ap-Å-Xv. c-Lp-dmw cm-P³ X-sâ A-`n-{]m-b-§Ä Xp-d-¶p ]-d-bm³ H-cpa-Sn-bp-an-Ãm-¯ B-fm-Wv. ]-t£, km[m-c-W-K-Xn-bn an-X-`m-jn-bm-b kpº- d m- h p ]- d - ª - Xv , C- Xm- W v : "tI- { µ _m-¦n-sâ I-cp-X [-\w C-§-s\ X-«nsb-Sp-¡p-¶-Xv kÀ-¡m-cn-sâ K-Xn-tI-Snsâ Xo-{h-X-sb sh-fn-hm-¡p-¶p. \mw h-f-sc {i-²-tbm-sS-bpw ap³-I-cp-X-temsS-bpw {]-hÀ-¯n-t¡-≠n-bn-cn-¡p-¶p'.


\n-t£-]w

Investment

\n-§Ä H-cp F³BÀsF (NRI) B-tWm? F-¦n {i-²n-¡p-I {]-hm-k-¯n-eq-sS k-¼m-Zn-¨ \n-§-fp-sS ]-Ww \n-§-f-dn-bm-sX \-ã-s]-Sp-¶p-t@m?

hn

-tZ-i C-´y-¡mÀ (182Hm A-Xne-[n-I-tam Zn-h-kw hn-tZ-i-¯v Xm-a-kn-¡p-¶ C-´y-¡mÀ) B-bn-«p-ÅhÀ km-[m-cW - K - X - n-bn \-à co-Xn-bn _m-¦v \n-t£-]-§Ä C-´y-bn kq£n-¨n-«p-≠v. NRE A-¡u-≠v I-fn-se ]-en-i, \n-Ip-Xn hn-t[-b-a-sÃ-¦n-epw NRO A-¡u-≠n-se ]-en-i-bv-¡v \n-IpXn _m-[-I-am-Wv. F-{X sN-dn-b Xp-I B-Wv ]-en-i-bm-bn \Â-Ip-¶-Xv F-¦nepw 30% \n-Ip-Xn t{km-X-kn X-s¶ [-\-Im-cy-Øm-]-\-§Ä ]n-Sn-¡p-¶-XmWv. A-Xn-\m F-Ãm NRI I-fpw ]m³ c-Pn-ÌÀ sN-bv-Xv T.D.S D-t≠m F-¶v ]-cntim-[n-t¡-≠-Xm-Wv. C-t¸mÄ A-§-s\ ]-cn-tim-[n-¡pt¼mÄ a- \ - Ê n- e m- I p- ¶ H- c p {]- [ m- \ Im-cyw ap³-hÀ-j-§-fn h-en-b Xp-I Sn.Un.F-kv C-\¯ - n A-hÀ-¡v \-ãa - mbn-«p-≠v F-¶p-Å-Xm-Wv. F³ BÀ sF I-fp-sS h-cp-am-\w \n-Ip-Xn hn-t[-b-a-Ã

F³ BÀ sF bp-sS _m-¦n-se \n-t£-]-¯n\pw ^-@p-I-fn-se \n-t£]-¯n-\pw Sn Un F-kv hy-hØ-IÄ hy-Xy-kv-X-am-Wv F-¶v D-¯-a hn-izm-k-¯n ]-e-cpw C- X v ]- c n- t im- [ n- ¡ p- I - t bm dn- t «¬ ^-b sN-¿p-I-tbm sN-¿p-¶n-Ã. am-{Xhp-a-à _m-¦p-I-fpw [-\-Im-cy Øm-]-\§-fpw Sn-Un-Fk - v ]n-Sn-¨v hn-hc - w \n-t£]-I-sc A-dn-bn-¡p-I-bpw sN-¿m-dn-Ã. a-säm-cp {]-[m-\ A-]-I-Sw F³.BÀ.sF B-bn-«p-Å hy-àn-IÄ

tNÀ- ¶ n- « p- Å C³- jp- d ³- k v / ayq- ¨Â ^- ≠ p- I Ä F- ¶ n- h Im- e m- h - [ n ]qÀ¯n-bm-Ip-¶-Xn-\v ap³-]v ]n³-h-en-¡pI-tbm t{_-¡v sN-¿p-t¼m-tfm A-Xnt·Â 30% \n-Ip-Xn ]n-Sn-¡p-¶-Xm-Wv. ]-e-t¸m-gpw \n-Ip-Xn ]n-Sn-¡p-¶-Xv sam¯w Xp-I-bp-sS ap-I-fn-em-Wv. A-Xm-bXv \n-t£-]n-¨ Xp-I bp-sS-bpw A-Xnt·Â In-«p-¶ ]-en-ib - p-sS-bpw ap-If - n Sn.Un.F-kv ]n-Sn-¡p-¶ H-cp {]-h-W-Xbm-Wv Im-Wp-¶-Xv. F³.BÀ.sF. B- b n- « p- Å hyàn-I-fp-sS hn-tZ-i-¯p-\n-¶p-Å h-cpam-\-¯n-\v am-{X-am-Wv B-Zm-b \n-IpXn _m- [ y- X C- à m- ¯ - X v . C- ´ y- b n e-`n-¡p-¶ hm-S-I a-äp h-cp-am-\-§Ä F-¶n-h-bv-¡v \n-Ip-Xn _m-[-I-am-Wv. Sn-Un-F-kv ]n-Sn-¨-Xn D-Å i-cn-sX-äpI-fn-ep-]-cn A-Xv Xn-cn-¨p ]n-Sn-¡p-¶-Xn\v th-≠ \-S-]-Sn-IÄ F-{X-bpw th-Kw kzo-I-cn-¡p-I. sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

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B-Zm-b-\n-IpXn

Income Tax

AÀ-Pp³ kn. Sm-Iv-kv I¬-kÄ«â v

C-³I - w Sm-Ik -v v em-`n-¡m-³ B-{K-ln-¡p-¶p-sh-¦n- Xm-sg ]-d-bp-¶ Im-cy-§-Ä {i-²n-¡q em-Ìv an-\p-«v [r-Xn H-gn-hm-¡n B-Zm-b \n-Ip-Xn-bn-\-¯n e-`n-¡p-¶ In-gp-hp-I-sf-¡p-dn-¨pw sk-£-\p-I-sf-¡p-dn-¨pw ]Tn-¨v A-X-\p-k-cn-¨v ¹m³ sN-bv-Xm G-sd \n-Ip-Xn-bn-\-¯n e-`n-¡m³ I-gn-bpw. F-¶m ]-e-t¸m-gpw hy-à-am-b ¹m-\n-§pw A-dn-hn-Ãm-bv-a-bpw aq-ew Iq-Sp-X \n-Ip-Xn-b-S-t¡-@n-h-cp-¶p

F-

´m-Wv C-\v-Iw Sm-Iv-kv dn-t«¬ ^- b - e nw- K v ( Income tax e

filing)?

H-cp hy-àn \-S-¸p km-¼-¯n-I h-Àjw ]q- À - ¯ o- I - c n- ¨ - X n- \ p- t i- j w B h-À-j-¯n-Â Xm-³ t\-Sn-b h-cp-am-\w \n-Ýn-X ]-cn-[n I-S-¶m-tem A-bm-Ä ap³-IqÀ A-S-¨ \n-Ip-Xn Xp-I B-h-iy¯n-Â-Iq-Sp-X-em-bn I-≠v Xn-cn-¨v hm-§p¶-Xn-\m-bn {i-an-¡p-¶p-s≠-¦n-tem a-äp \n-b-a-]-c-am-b Im-c-W-§-fm-tem h-cp-am\-¯n-sâ-bpw \n-Ip-Xn A-S-hn-sâ-bpw a-äpw hn-i-Zmw-i-§-Ä \n-Ýn-X t^m-Àam-än-Â h-cp-am-\ \n-Ip-Xn h-Ip-¸n-\v k-aÀ-¸n-s¡-≠m-Xm-bn-«p-≠v. Cu hn-h-c-ka-À-¸-W-s¯ C-³-Iw-Sm-Iv-kv dn-t«-¬ ^-b-enw-Kv F-¶p ]-d-bp-¶p. B-scm-s¡ C-³-Iw Sm-Iv-kv dn-t«-Wv ^-b-enw-Kv sN-¿-Ww? 1. H- c p hy- à n- s b kw- _ - Ô n- ¨ n- S t¯m- f w (60 h- b - Ê n- Â Xm- s g) X- s â km- ¼ - ¯ n- I h- À - j - s ¯ h-cp-am-\w c-≠-c e-£w-cq-] I-hnªm- Â dn- t «- v ¬ k- a - À - ¸ n- ¡ m- ³ 16

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

_m-[y-Ø-\m-Wv. 2. C-Xn ko-\n-bÀ kn-än-sk³-kn\p (60 h-b-Ên-\pw 80 h-b-Ên-\pw C-S-bnÂ) ]-cn-[n 3 e-£-am-Wv. 3. kq-¸À ko-\n-bÀ kn-än-sk³-kn-\p (80 \pw A-Xn-\p ta-te D-Å-h-À-¡v) ]-cn-[n 5 e-£-am-Wv. Note: C-hn-sS h-cp-am-\w F-¶X - p-sIm-≠v D-t±-in-¡p-¶-Xv t{Km-kv h-cp-am-\-am-Wv, A-Xm-b-Xv Nm-]v-ä-À C-f-hp-I-Ä Ip-d-¡p¶-Xn-\p ap-³-]p-Å h-cp-am-\w. 80C {]- I m- c w A- \ p- h - Z - \ o- b - a m- b {]-[m-\-s¸-« C-f-hp-I-Ä ( 1.5 e-£w cq-] h-sc) • {]m-hn-Uâ v ^-≠n- \n-t£-]n-¨ Xp-I (hm-bv-] Xn-cn-¨-S-hv I-W-¡nse-Sp-¡-cp-Xv) • S-L-I, F-B-S, G-I-S, G-P-A-I-S Xp-S-§n-b-h • \n-§-fp-sS-tbm B-{in-X-cp-sS-tbm t]-cn- A-S-¨n-«p-Å sse-^v C-\vjq-d-³-kv {]o-an-bw • \m-j-W- tk-hnw-Kv-kv sU-t¸m-

• • • • •

kn-äv ayq-¨yp- ^-≠n-se C-Izn-än en-¦vUv tk-hn-Mv-kv kv-Iow (ELSS) C \n-t£-]n-¨ Xp-I. _m-¦p-I-fn-se 5 h-À-j-t¯-¡p-Å Sm-Iv-kv tk-h-À F-D kv-Iow. 5 h-À-jw Im-em-h-[n-bp-Å t]m-ÌÂ-sse-^v C-³-jq-d-³-kv sU-t¸mkn-äv ho-Sv \n-À½ - m-W¯ - n-\v F-Sp-¯ temWn-sâ ap-Xe - n-te-¡p-Å Xn-cn-¨S- h - v ]-c-am-h-[n c-≠v Ip-«n-I-Ä-¡v hn-Zym`ym-k-¯n-\v th-≠n Aw-Ko-Ir-X Øm-]-\-¯n- \-Â-In-b Syq-j-³ ^o- k v . (sUm- t W- j - ³ , U- h - e ]v-saâ v ^o-kv, Im-]n-tä-j³ ^o F-¶n-h ]-cn-K-Wn-¡n-Ã)

80 CCC

sF. B-À.Un. F Aw-Ko-Ir-X s]³-j-³ ^-≠n-Â \n-t£-]n-¨ Xp-I. 80 CCD

tI-{µ K-h-s×â v Aw-Ko-Ir-X s]-


B-Zm-b-\n-IpXn

Income Tax

³-j-³ ^-≠n-Â \n-t£-]n-¨ Xp-I. \m-j-W-Â s]-³-j-³ kv-Io-an-Â D-Ä-s¸-Sp-¶-h-À tIm-{≠n-_yq-«-dn s]-³j-\n-te-¡v A-S-¨n-«p-Å Xp-I Cu sk£-\n-em-Wv Un-U£ - \ - m-bn Im-Wn-t¡≠-Xv. ]-c-am-h-[n t_-kn-Ipw Un.F bpw Iq-Sn-b-Xn-sâ 10 i-X-am-\w am-{X-ta C-XÂ In-gn-hm-bn A-\p-h-Zn-¡q. {i-²n-¡p-I: 80C,80CCC,80CCD F-¶o aq-¶v h-Ip-¸p-I-fn-epw Iq-Sn ]-c-am-h-[n H-¶-c e-£w cq-]-bp-sS In-gn-hp-IÄ am{X-ta A-\p-h-Zn-¡q. C-Xv Iq-Sm-sX Xmsg ]-d-bp-¶ In-gn-hp-I-fpw A-\p-h-Z-\ob-am-Wv. 80CCD(1B)

80 C bn-se 1½ e-£-¯n-\v ]p-d-sa tIm- { ≠n- _ yq- « - d n s]- ³ - j - \ n- t e- ¡ v ]-Ww \n-t£-]n-¨n-«p-Å-hÀ Cu Xp-I 50,000 cq-] h-sc Cu sk-£-\n ImWn-¡mw. 80TTA

tk-hnw-Kv-kv _m-¦v A-¡u-≠n-Â \n-¶pw e-`n-¨ ]-en-i ]-c-am-h-[n 10000 cq- ] h- s c 80 TTA F- ¶ tIm- f - ¯ n- Â Un- U - £ - \ m- b n Im- W n- ¡ mw. b- Y m- À °-Xn-Â tk-hnw-Kv-kv Un-t¸m-kn-än-Â \n- ¶ pw e- ` n- ¨ ]- e n- i - t bm A- t Xm 10000 cq-]-tbm G-Xm-Wv Ip-d-hv A-XmWv Im-Wn-t¡-≠-Xv. ^n-Iv-k-Uv Unt¸m-kn-än-Â \n-¶pw e-`n-¨ ]-en-i H-cp Im-c-W-h-im-epw C-hn-sS Im-Wn-¡m-³ ]m-Sp-Å-X-Ã. 80TTB

tk- h nw- K v - k v _m- ¦ v ]- e n- i - t bm, ^n- I v - k - U v sS- t ]m- k n- ä v ]- e n- i - t bm G-Xp ]-en-ib - p-am-Is - « ]-ca - m-h[ - n 50000 cq-] h-sc 80 TTB F-¶ tIm-f-¯n-Â Un-

U-£\ - m-bn Im-Wn-¡mw. 2018 G-{]n 1 ap-X-em-Wv {]m-_-ey-¯n h-cp-I 80GG

sXm-gn-ep-S-a-bn \n-¶pw ho-«p-hmS-I A-e-h³-kv (HRA) e-`n-¡m-¯-hÀ¡p sk-£³ 80GG {]-Im-cw A-h-cp-sS Xm-a-k-¯n-\m-bp-Å ho-«p-hm-S-I Xm-sg ]-d-bp-¶ \n-_-Ô-\-IÄ {]-Im-cw {]-XnhÀ-jw 60,000/-cq-] h-sc \n-Ip-Xn-bn-f-hv e-`n-¡p-¶-Xm-Wv. 80GG {]-Im-cw Xm-sg ]-d-bp-¶-Xn G-Xm-tWm Ip-d-hv A-Xv s¢-bnw sN¿mw: • {]- X n- h À- j w 60,000 (A- X m- b - X v {]-Xn-am-kw 5,000 cq-]) • sam-¯w A-S-¨ ho-«p-hm-S-I Xp-Itbm-Sv sam-¯w h-cp-am-\-¯n-sâ 10% Ip-d-hv sN-bv-X-Xv • sam-¯w h-cp-am-\-¯n-sâ 25% • D-Zm-l-c-Ww:- hn-th-In-\v hmÀ-jn-I i-¼-fw 3,00,000 cq-] (F-Ãm In-gphp-IÄ-¡pw ti-jw), hmÀ-jn-I hmS-I Rs. 1,50,000

{]-Xn-am-k ho-«p-hm-S-I 5,000 A-Xmb-Xv 60,000 {]-Xn-hÀ-jw • {]-Xn-am-k ho-«p-hm-S-I (150000) h- c p- a m- \ - ¯ n- s â 10% (30,000) = 1,20,000 cq-]. • sam- ¯ w h- c p- a m- \ - ¯ n- s â 25% A-Xm-b-Xv 75,000 cq-]. taÂ-¸-d-ª-Xn Ip-d-ª-Xv 60000 B- I p- ¶ p. B- b - X n- \ m sk- £ ³ 80GG {]-Im-cw C-hn-sS 60,000 cq-] Ingn-hv e-`n-¡p-¶-Xm-Wv. C-Xn-\m-bn 10BA t^mw ]q-cn-¸n-t¡-≠-Xp-≠v. 80E

hn-Zym-`ym-k hm-bv-]-bp-sS ]-en-ibv-¡p-Å \n-Ip-Xn In-gn-hv \Â-Ip-¶-Xn\p-Å hy-h-Ø-IÄ \Â-Ip-¶p. hm-bv-] hy-àn-bp-sS-tbm Ip-«n-bp-sS-tbm `m-cybp-sS-tbm D-¶-X ]T-\-§Ä-¡m-bn D-]tbm-Kn-¡m-hp-¶-Xm-Wv. D-¶-X ]T-\¯n-\p-Å hn-Zym-`ym-k hm-bv-]-bp-sS ]-en-i-bv-¡m-Wv \n-Ip-Xn In-gn-hv e-`n¡p-I hm-bv-] Xn-cn-¨-S-bv-¡m³ B-cw`n-¨-Xn-\p ti-jw 8 hÀ-j-t¯-bv-¡v am{X-ta ]-en-i A-S-bv-¡m-\p-Å \n-Ip-Xn In-gn-hv e-`n-¡p-I-bp-Åq. • hy-àn-IÄ-¡v am-{X-ta \n-Ip-Xn In-gn-hv e-`n-¡p-I-bp-Åq. I-¼-\nIÄ-¡p \n-Ip-Xn In-gn-hv D-]-tbmK-s¸-Sp-¯m³ I-gn-bn-Ã. • hn-Zym-`ym-k hm-bv-]-bn-te-¡-S-¨ ]-en-i-bn-\w am-{X-ta s¢-bnw sN¿m-\m-Iq. • Aw- K o- I r- X [- \ - I m- c y Øm- ] \- § - f n \n- ¶ pw Nm- c n- ä - _ nÄ HmÀ- K - s s\- t k- j - \ n \n- ¶ pw e- ` n- ¡ p- ¶ hm- b v - ] - I Ä am- { X- t a \n-Ip-Xn In-gn-hv e-`n-¡m³ AÀ-lcm-hq. kp-lr-¯p-¡-fn \n-t¶m _-Ôp-¡-fn \n-t¶m e-`n-¡p-¶ sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

17


B-Zm-b-\n-IpXn

hm- b v - ] - b v - ¡ v Cu hn- ` m- K - ¯ n- \ v AÀ-l-X-bn-Ã. hy-àn-¡Ä-¡pw A-h-sâ/A-h-fpsS ]-¦m-fn-bp-sS A-sÃ-¦n Ip-«nI-fp-sS D-¶-X hn-Zym-`ym-k-¯n-\p th-≠n-bp-Å-Xm-h-Ww. B-Zy hÀ-jw Xn-cn-¨-S-hv ap-X 8 hÀ-j-t¯-¡v am-{X-ta B-\p-Iqeyw e-`n-¡q. \n-Ip-Xn-¸-Ww F-¶ t]-cn hmbv-] F-Sp-¡p-t¼mÄ am-{X-ta In-gnhv s¢-bnw sN-¿mw.

• • 80EE

`-h-\-hm-bv-] F-Sp-¯n-«p-Å-Xv 16 -17 km-¼-¯n-I-h-À-j-tam A-Xn-\p ti-jtam B-sW-¦n C-hn-sS 50000 cq-] UnU-£³ B-bn Im-Wn-¡mw. C-{]-Im-cw `m-h-\-hm-bv-]-¡p sam-¯w 2½ e-£w cq-] h-sc ]-en-i-bn-\-¯n- Un-U-£\m-bn Im-Wn-¡mw (A-{X-bpw ]-en-i \-Â-In-bn-«p-s≠-¦n- am-{Xw sk-£³ 24 {]- I m- c w 2 e- £ w, sk- £ ³ 80EE {]-Im-cw 50,000). Xm-sg sIm-Sp-¯n-«p-Å \n-_-Ô-\-I-Ä-¡v hn-t[-b-am-bn am-{Xta Cu 50000 cq-]-bp-sS Un-U-£-³ e-`n¡p-I-bp-Åq 80CCG

cm-Po-hv Km-Ôn C-Izn-än tk-hnw-Kv-kv kv-Iow 2017-18 AY ap-XÂ \nÀ-¯-em-¡n Section 80D

sa- U n- ¡  C³- j p- d ³- k v {]oan- b w kz- ´ w t]- c n- t em, `m- c y- b p- s Stbm a-¡-fp-sS-tbm t]-cn-ep-Å-Xn-\p ]-c-am-h-[n 25000 cq-]-bpw, am-Xm-]n-Xm¡-fp-sS t]-cn-ep-Å C³-jp-d³-kn-\v Iq-Sp-X In-gn-hv e-`n-¡p-¶-Xm-Wv. 60 h-b-Ên-\p Xm-sg-bp-Å am-Xm-]n-Xm-¡fp-sS t]-cn-ep-Å-Xn-\p 30000 cq-]-bpw, 60 h-b-Êv I-gn-ª-hÀ-¡v 50000 cq-]-bpw ]-c-am-h-[n s¢-bnw sN-¿mw (2018 se _-P-än 30,000 cq-]-bn \n-¶v 50000 cq-]-bn-te-¡p-bÀ-¯n). \n-Ip-Xn-Zm-b-I18

Sm-Iv-kv tI-cf | skB-K]-kv-äw_À väv 20192019

Income Tax

cp-sS {]m-b-hpw am-Xm-]n-Xm¡- f pw {]m- b w 60 h-b-tÊm A- X n- \ p ap- I fn-tem B-sW¦nÂ, Cu hn`m-K-¯n³ Io-gn-ep-Å ]-ca - m-h[ - n In-gnhv e-`n-¡p-¶-Xv H-cp cq-]-bm-bncn-¡pw. 100,000. Section 80D-D a. Nn-In-Õm-cw-K-¯v (\-gv-kn-Mv DÄs¸-sS), ssh-I-ey-ap-Å B-{in-X-cm-b _-Ôp-¡-fp-sS ]-cn-io-e-\-hpw ]p-\-c-[nhm-kh - pw kw-_Ô - n-¨p-Å sN-eh - p-IÄ b. B-{in-X hn-kv-Xr-X-am-b _-Ôp¡-fp-sS ]-cn-]m-e-\-¯n-\m-bn \nÀ-±n-ã ]-²-Xn-¡v t]-bv-saâ v A-sÃ-¦n sUt¸m-kn-äv. i. tcm- K - _ m- [ y- X 40% A- s Ã- ¦ n A-Xn Iq-Sp-X F-¶m 80% Ip-d-hv 75,000 cq-]-bp-sS In-gn-hv. ii. Kp- c p- X - c - a m- b ssh- I - e y- a p- s ≠¦n (ssh- I - e yw 80% A- s Ã- ¦ n A-Xn Iq-Sp-X-tem) - 1,25,000 cq-]-bp-sS In-gn-hv e-`n-¡p-¶p. Cu B- \ p- I q- e yw A- h - I m- i - s ¸Sm³ \n-Ýn-X sa-Un-¡Â A-[n-Im-cnbn \n-¶ v ssh- I - e y kÀ- « n- ^ n- ¡ - ä v B-h-iy-am-Wv. 2015 - 16  \n-¶v 50,000 cq-] In-gn-hv ]-cn-[n 75,000 B-bn D-bÀ¯n. 1,00,000 cq-] 1,25,000 cq-]-bm-bn D-bÀ-¯n. Section 80DDB

]-c-am-h-[n 40,000 cq-] A-sÃ-¦n b-YmÀ-Y-¯n A-S-¨ Xp-I, \nÀ-±n-ã tcm- K w A- s Ã- ¦ n tcm- K - ¯ n- \ p- Å ssh-Zy-Nn-In-Õ-bv-¡m-bn kz-bw A-sæn B-{in-X _-Ôp-¡Ä-¡v th-≠n sN-e-hm-¡n-bn-cn-¡-Ww. 2018-þ19 ap-Xep-Å ap-XnÀ-¶ ]u-c-·mÀ A-sÃ-¦n ap-XnÀ-¶ ]u-c-·mÀ-¡v, In-gn-hv e-`n-¡p¶-Xv 100,000 cq-]t- bm A-sÃ-¦n b-YmÀ°-¯n A-S-¨ Xp-I-tbm B-Wv.

80G

D-Zm-l-c-W-¯n-\v Hm-Jn Zp-cn-Xm-izmk-¯n-\m-bn ap-Jy-a-{´n-bp-sS Zp-cn-Xmizm-k \n-[n-bn-te-¡v kw-`m-h-\ \-Â-Inb-hÀ C-Xv 80G F-¶ sk-£-\n-em-Wv Un- U - £ - ³ B- b n Im- W n- t ¡- ≠ - X v . C-§-s\ H-cp sk-£-³ Cu Sm-_n-e Im-Wp-¶p-sh-¦n-epw C-Xn- Xp-I tN-À¡m-\p-Å tIm-fw Un-tk-_n-Ä sN-bv-XXm-bn Im-Wmw. F-s´-¶m C-¯-cw Un-U-£-\p-I-fp-sS Xp-I am-{Xw FâÀ sN-bv-Xm- a-Xn-bm-hn-Ã. B-À-¡m-Wv \-Â-In-b-X-sX-¶pw A-¯-cw Øm-]\-§-fp-sS ]m-³ \-¼-cpw F-Ãmw Ir-Xyam-bn Im-Wn-¡-Ww. Cu hn-h-c-§-Ä F-Ãmw {]-tXy-Iw Im-Wn-¡p-¶-Xn-\v th-≠n-bm-Wv A-h-km-\-s¯ Sm-_m-b 80 G F-¶ Sm-_v. C-¯c - w kw-`m-h\ - I - Ä \-Â-In-b-h-À t\-sc 80G F-¶ Sm-_n- {]-th-in-¨v hn-h-c-§-Ä Fâ-À sN-¿p-I. A-h-km-\w sN-¿m³ th-≠n am-än sh¡-cp-Xv. Im-c-Ww F-Ãmw Fâ-À sN-bvXm- am-{X-ta \-½p-sS Sm-Iv-kv Im-¡p-te-j³ - Ir-Xy-am-bn Cu Sm-_n-\s - â A-h-km-\ `m-K-¯v h-cp-I-bp-Åq. 80 G bn- A-\p-h-Zn-¡-s¸-«n-«p-Å \mev {]-[m-\ Im-ä-K-dn-IÄ 1.

Donations entitled for 100% deductions without qualifying limit

2.

Donations entitled for 50% deductions without qualifying limit

3.

Donations entitled for 100% deductions subject to qualifying limit

4.

Donations entitled for 50% deductions subject to qualifying limit

sh- Å - s ¸m- ¡ - ¯ n- \ m- b pw a- ä pw ap- J y- a - { ´n- b p- s S Zp- c n- X m- i zm- k \n- [ n- b n- t e- ¡ v kw- ` m- h - \ \Â- I n- b h-cp-s≠-¦n C-hn-sS H-¶m-a-s¯ Imä-K-dn-bn-em-Wv {]-kv-Xp-X hn-h-c-§-Ä Fâ-À sN-t¿-≠-Xv. sk-£-\n- Xmsg ]-d-bp-¶ tIm-f-§-Ä Im-Wmw A-h Xm-sg ]-d-bp-¶ t]m-se-bm-Wv ^n sN-t¿-≠-Xv. Name of Donee : Chief Minster Ditsress Relief Fund

Section 80U

Address: Government of Kerala

im-co-cn-I ssh-I-ey-ap-f-f (A-ÔX-bpÄ-s¸-sS) A-sÃ-¦n am-\-kn-Ih- f À- ¨ - b p- Å hy- à n- ¡ v 75,000 cq- ] Un-U-£³ e-`y-am-Wv. I-Sp-¯ ssh-Iey-ap-s≠-¦nÂ, 1,25,000 cq-] ]-c-am-h-[n s¢-bnw-sN-¿mw.

Ditsrict:

Thiruvananthapuram

State :

Kerala

Pin Code:

695001

PAN of Donee:

AAAGD0584M

Amount of Donation : \-ÂIn-b Xp-I.


slÂ-¯v Sn-]v-kv

Health Tips

Ip-«n-I-fp-sS ]T-\w A-h-sc k-½À-±-¯n-em-¡p-¶-Xv

F-´p-sIm-@v ? ]-cn-tim-[n-¡mw... \oXp, ssk-Iym-{Sn-Ìv, saÂäv-ssaâ v, Im-¡-\mSv C-¶-s¯ Im-e-L-«-¯n-se ap-XnÀ-¶-h-sc-t]m-se X-s¶ Ip-«n-Ifp-sS Po-hn-X-hpw h-f-sc bm-{´n-I-am-bn am-dn-¡-gn-ªp. kzm-`m-hnI {]-Ir-Xn-tbm-Sn-W-§n Po-hn-¨ a-\p-jy a-\-Ên-\v C-Xv XoÀ-¯pw A-]-cn-Nn-X-am-b H-¶m-Wv. A-Xn-\m-em-Wv kv-s{S-kv C-{X-tb-sd \-½-sf _p-²n-ap-«n-¡p-¶-Xv

B-

[p-\n-I in-ip a-\im- k v - { X- ¯ n- s â am- X m- h v F- ¶ - d n- b - s ¸- S p- ¶ Xv A- ¶ t{^m- b n- U m- W v . Ip- « n- ¡ m- e - ¯ v k- t lm- Z - c nsb ImÄ ku-µ-cyw Ip-d-hmsW- ¶ Im- c - W - ¯ m th≠-{X ]-cn-K-W-\ e-`n-¡m-sX h-¶p F-¶v I-Y-IÄ ]-d-bp¶p. F-¶m ]nÂ-Im-e-¯v B ]n-cn-ap-dp-¡-§-sf-sb-Ãmw A-Xn-Po-hn-¨v A-h-cp-tS-Xm-b ]m-X a-\i - m-kv{- X-¯n sh-«n Xp-d-¡p-I-bm-bn-cp-¶p. F-s¶ Ip-«n Im-ew I-S-¶p t]m-Ip¶-Xv h-f-sc-b-[n-Iw k-½À-±¯n-epw ]n-cn ap-dp-¡-¯n-eqsS- b pw B- W v . k- X y- ¯ n h-f-sc-b-[n-Iw {i-²n-¡-s¸tS- ≠ Po- h n- X Im- e - L - « w B-Wv C-§-s\ A-\m-h-iy-ambn kr-ãn-¡-s¸-Sp-¶ {]-iv-\§-fn-eq-sS kw-LÀ-j-¯nÂ

B-¡p-¶-Xv. F-´p-sIm-≠mWv C- § - s \ kw- ` - h n- ¡ p- ¶ Xv? Im-c-Ww A-t\z-jn-¨m {]-[m-\-am-bpw {]-Xn-¡q-«n B- h p- I am- X m- ] n- X m- ¡ Ä X-s¶-bm-hpw. a-äp Ip-«n-I-fpam- b n Xm- c - X - a yw sN- ¿ p- I , X-§-fp-sS ]qÀ-¯o-I-cn-¡m\m- h m- ¯ kz- ] v - \ - § - f p- s S km-£m-Xv-Im-c-¯n-\m-bn Ip«n-I-sf \nÀ-_-Ôn-¡p-t¼mÄ A-Xv Ip-«n-I-fp-sS am-\-kn-I\n-e-sb h-f-sc-b-[n-Iw tZmj-I-c-am-bn _m-[n-¡p-¶p-≠v. Hm-tcm Ip-«n-¡pw P-·-\m e-`n-¡p-¶ I-gn-hp-I-fpw, A-dnhv kzmw- i o- I - c n- ¡ m- \ p- Å co-Xn-I-fp-ap-≠v. Cu I-gn-hpI-sf Xp-S-¨p-an-\p-¡n ]-c-amh-[n {]-tbm-P-\-s¸-Sp-¯p-I. F- ¶ - X v am- { X- a m- W v am- X m]n-Xm-¡Ä sN-t¿-≠-Xv. samss_Â/Sn-hn F-¶n-h-bp-sS

sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

19


slÂ-¯v Sn-]v-kv

Health Tips

X-§-fp-sS ]qÀ-¯o-I-cn¡m-\m-hm-¯ kz-]v-\-§-fp-sS km-£mXv-Im-c-¯n-\m-bn Ip-«n-I-sf \nÀ-_-Ôn-¡pt¼mÄ A-Xv Ip-«n-I-fp-sS am-\-kn-I-\n-e-sb h-f-scb-[n-Iw tZm-j-I-c-am-bn _m-[n-¡p-¶p-@v A-an-X D-]-tbm-Kw B-k-àn-bn-te-¡v (addiction) \- b n- ¡ p- ¶ p. C- X v k- l hnZymÀ-Yn-I-fp-am-bpw a-äp-Å-h-cp-am-bpw t\- c n- « p- Å B- i - b - h n- \ n- a - b w Ip- d - b v ¡pw. {I-ta-W A-hÀ h-f-sc sN-dn-b H-cp N-«-¡q-Sn-\p-Ån-te-¡v H-Xp-§n t] m-Ipw. C-¯-c-¯n kr-ãn-¡-s¸-Sp-¶ G-Im-´-X hn-jm-Z-tcm-K-§-fn-te-¡pw I-Sp-¯ D-XvI - W - vTb - n-te-¡pw \-bn-¡mw. C- X n- \ p h- g n- h - b v - ¡ p- ¶ - X v am- X m]n-Xm-¡Ä X-s¶-bm-Wv. Ip-«n Xo-sc sN-dp-Xm-bn-cn-¡p-t¼mÄ A-\p-k-cn-¸n¡m-\pw `-£-Ww I-gn-¡m-\p-sam-s¡ sam-ss_ t^m¬ I-¿n sIm-Sp-¯v io-en-¸n-¡p-¶p. Ip-«n-bp-sS ap-J¯ - p-t\m - ¡ n Nn- c n- t ¡- ≠ \- ½ Ä sam- s s_ t^m- W n t\m- ¡ n Nn- c n- ¡ p- t ¼mÄ kzm- ` m- h n- I - a m- b pw Ip- « n- b n D- ≠ mIp-¶ B-Imw-£-bpw sam-ss_-en-te¡v B-IÀ-jn-¡-s¸-Spw. C-¯-c-¯n "kr-ãn-¡p-¶' addiction Dw ]T-\-Im-cy¯n A-\m-h-iy ]n-cn-ap-dp-¡-§-fpw hn-ZymÀ-°n-I-fn-se H-fn-t¨m-«-hpw B-ßl-Xy-bpw hÀ-²n-¨p-h-cp-¶-¯n-sâ Im-cW-§-fm-tb-¡mw. Ip-«n-I-fp-sS ]T-\ co-Xn F- ´ m- s W- ¶ v I- s ≠- ¯ p- I h- f - s c {]- [ m- \ - s ¸- « - X m- W v . Auditony, visionary &knesthetic

F- ¶ n- § - s \ aq- ¶ p {]- [ m- \ co-Xn-I-fpw C-h-bp-sS hn-hn-[ combimalions Dw B- h mw. Hmtcm-cp-¯À-¡pw ]T-\-{]-{In-b i-cn-bm-b ]T-\ co-Xn D-]-tbmKn-¨m-Wv \-S-¡p-¶-sX-¦n h-f-sc-b-[n-Iw B-kzm-Z-I-cam-bn-cn-¡pw. a-dn-¨m-sW-¦n C-{X-bpw _p-²n-ap-t«-dn-b H-cp kw-`-hw th-sd Im-Wn-Ã! A-Sp20

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

¯ ho-«n-se Ip-«n D-d-s¡ hm-bn-¨v ] Tn-¡p-¶-Xv sIm-≠ m-Wv A-h-\v Iq-SpX amÀ-¡v In-«p-¶-Xv F-¶v ]-d-ªv kz-´w Ip-«n-tbm-Sv A-Xp-t]m-se sN¿m³ ]- d - b p- ¶ - X n- \ v ap³- ] v B- t emNn- ¡ p- I , B Ip- « n tI- « v ]Tn- ¡ p- ¶ (auditony) F-¶ hn-`m-K-¯n-em-hpw, H-cp]-t£ \n-§-fp-sS Ip-«n I-≠p-]n-Sn-¡p¶-tXm ( visionary) A-sÃ-¦n sN-bv-Xp ]Tn-¡p-¶ A-sÃ-¦n sN-bv-Xp ]Tn-¡p¶-tXm (kinesthetic) B-b K-W¯ - nÂ-s¸Sp-¶ B-sW-¦n D-d-s¡ hm-bn-¨p ] Tn-¡p-¶-Xv hn-]-co-X ^-e-am-bn-cn-¡pw sN-¿p-I. ]-I-cw Ip-«n-bp-sS ]T-\ co-Xn I-s≠-¯p-I A-Xn-\-\p-k-cn-¨v Hm-tcm hn-j-b-s¯ k-ao-]n-t¡-≠ co-Xn A-hew-_n-¡p-I. A-Sp-¯-Xm-bn Ip-«n-bp-sS `m-hn taJ-e sX-c-sª-Sp-¡p-¶-Xv F-§-s\-bmh-Ww F-¶v ]-cn-tim-[n-¡mw. A-Xn-\pap-¼v H-cp A-ev-]w ]p-d-tIm-«p t]m-Imw. sF- S n ta- J - e ]p- t cm- K - a n- ¡ p- ¶ k- a bw, \-à i-¼-fw e-`n-¡p-sa-¶ Im-c-W¯m am-Xm-]n-Xm-¡-fp-sS \nÀ-_-Ô-

{]-Im-c-tam a-äp-Å-h-sc A-\p-I-cn-¡p-¶ co-Xn-bp-sS `m-K-am-tbm sF-Sn ta-J-e sX-c-sª-Sp-¡p-¶ h-cm-Wv `q-cn-`m-Kw B-fp-I-fpw. C-¶v kv-s{S-kv dn-eo-^n\p th-≠n a-\x-im-kv-{X-Ú-cp-sS A-Sp-¯v h-cp-¶-h-cn `q-cn-`m-K-hpw sF-Sn ta-Je- b n \n- ¶ v D- Å - h - cm- s W- ¶ - Xm- W v h-kv-Xp-X. Hm-tcm-cp-¯À-¡pw P-·-\m kn-²n-¨n-«p-Å I-gn-hp-IÄ-¡v A-\p-kcn-¨v th-Ww sXm-gnÂ-ta-J-e sX-c-sªSp-¡m³. A-sÃ-¦n tPm-en B-kz-Zn-¨v sN-¿m-\m-hn-Ã. A-Xp {I-ta-W tPm-enØ-e-s¯ ]n-cn-ap-dp-¡-¯n-te-¡pw ]n¶o-S-Xv Ip-Spw-_-Po-hn-X-¯n-te-¡pw H-s¡ I-S-¶p-h-t¶-¡mw. Ip- « n- I - f p- s am- ¯ v Nn- e - h - g n- ¡ m³ k-a-bw I-s≠-¯p-I A-h-cp-am-bn kwkm-cn-¡p-I, {]-iv-\ ]-cn-lm-c-§Ä \n À-t±-in-¡p-I, A-\m-h-iy \n-b-{´-W§Ä H-gn-hm-¡p-I Xp-S§ - n \n-Êm-ca - m-bn ]-cn-l-cn-¡m-hp-¶-hn-j-b-§Ä \-½p-sS A-\m-Ø-aq-ew h-j-fm-h-cp-Xv. Ip-«n-I-fpsS I-gn-hpw km-[y-X-I-fpw Ir-Xy-am-bn a-\-kn-em-¡p-I, B-h-iy-sa-¦n hn-Z-Kv[-D-]-tZ-iw tX-Sp-I. Multiple intelligence test Xp- S - § n- b \n-c-h-[n amÀ-K-§Ä C-¶v e-`y-am-Wv. ]T-\-hpw Ip-«n¡m- e - h pw A- h À H- ¶ n- ¨ v B-kz-Zn-¡-s«. \-½p-sS k-aqlw tUm-ÎÀ-amÀ-¡pw F-³Pn-\o-b-ÀamÀ-¡pw am-{X-a-à a-äv ]-e hn-[ C-\n-bpw krãn-t¡-≠ ta-J-e-I-fn-eq-sS A-hÀ bm-{X sN-¿-s« Cu I- ≠ p- ] n- S n- ¯ - § Ä D- ≠ mI-s«. a-\p-jy-\nÀ-½n-X ]-cn[n-IÄ I-S-¶v A-Sp-¯ X-eap-d ]-d-¡-s«!


_m-¦nwKv

Banking

10 s]m-Xp-ta-J-em _m-¦p-I-sf e-bn-¸n-¨v \m-se-®-am-¡m³

tI-{µ kÀ-¡mÀ Xo-cp-am-\w hn-t\m-Pv Sn.Pn.

tZ-i-km-Xv-¡-c-W-¯n-\v ti-jw N-cn-{Xw Ip-dn-¨v e-b-\w; 10 s]m-Xp-ta-J-em _m-¦p-I-sf e-bn-¸n-¨v \m-se-®-am-¡p-¶p

_m

-¦p-I-fp-sS tZ-i-km-Xv-¡c-W-¯n-\v ti-jw kz-X{´ C-´y-bn-se _m-¦nw-Kv ta-J-e-bnse G-äh - pw h-en-b ]-cn-jv¡ - m-c§ - f - p-sS `m-K-am-bn N-cn-{Xw Ip-dn-¨v e-b-\w. 10 s]m-Xp-ta-J-em _m-¦p-I-sf e-bn-¸n-¨v \m-se-®-am-¡p-¶p. C-tXm-sS cm-Py-¯v s]m-Xp-ta-J-em _m-¦p-I-fp-sS F-®w 12 B-bn Ip-db - pw. H-¶mw tam-Un k-À¡ - m-À h-cpw ap-³] - v 27 s]m-Xp-ta-Je - m _m-¦p-Ifm-Wv cm-Py-¯v D-≠m-bn-cp-¶-Xv. e-bn-¸n-¡p-¶ _m-¦p-I-fp-sS U-bd-Î-À t_mÀ-Uv th-tÆ-sd tbm-Kw tNÀ¶v e-b-\ \nÀ-tZ-i-§-Ä Aw-Ko-I-cn-¡pI-bpw kÀ-¡m-cn-s\ A-dn-bn-¡p-I-bpw th-Ww. A-Xn-\p-ti-jw dn-kÀ-hv _m-¦pam-bn B-tem-Nn-¨m-hpw e-b-\ Xo-b-Xn Xo-cp-am-\n-¡p-I. I-gn-ª-sIm-Ãw _m¦v Hm-^v _-tdm-U, hn-P-b _m-¦v, tZ-\m _m-¦v F-¶n-h e-bn-¸n-¨-Xv hn-P-b-I-cam-bn-cp-s¶-¶v a-{´n ]-d-ªp. Po-h-\¡m-sc B-sc-bpw H-gn-hm-¡m-sX ]qÀ¯n-bm-¡n-b e-b-\w-h-gn _m-¦v Hm-^v _-tdm-U h-fÀ-¨-bp-sS ]m-X-bn-em-sW¶pw a-{´n Nq-≠n-¡m-«n. tÌ-äv _m-¦v Hm-^v C-´y-sb-bpw {Kq¸v _m-¦p-I-sf-bpw e-bn-¸n-¨-Xn-\v ti-jap-Å c-≠m-a-s¯ h-³ e-b-\ ]-²-Xn-

• • • • •

tem¬-Km-edn, F-d-Wm-Ipfw, Mob: 98955 75657

bm-Wv I-gn-ª-Zn-h-kw {]- J ym- ] n- ¨ - X v . A- © v e- £ w tIm- S n tUm- f - À aq-ey-ap-Å k-¼-Zv hy-hØ-sb-¶ e-£yw ssIh-cn-¡m-³ e-b-\w k-lmbn-¡p-sa-¶v [-\-a-{´n \n À-a-em ko-Xm-cm-a-³ ]-dªp. I- g n- ª hÀ- j w _m-¦v Hm-^v _-tdm-U, hnP-b _m-¦v, tZ-\m _m-¦v F- ¶ o _m- ¦ p- I - s f- b pw e-bn-¸n-¨n-cp-¶p.

e-b-\ e-£y-§Ä

cm- P y- s ¯ c- ≠ m- a - s ¯ h- e n- b _m-¦v F-¶ Jym-Xn-tbm-sS ]-©m-_v \m-j-W-Â _m-¦n-sâ t\-Xr-Xz-¯n-Â

• B - t K m - f X - e ¯n- Â In- S - ] n- S n- ¡ m- ³ i- à - a m- b _m- e ³- k v jo-äp-Å _m-¦p-I-sf kr-ãn-¡p-I D-]-t`m-àm-¡Ä-¡v an-I-¨ tk-h\w D-d-¸m-¡p-I {]-hÀ-¯-\w Iq-Sp-X-Â i-à-hpw kp-Xm-cy-hp-am-¡p-I hm-bv-]m hn-X-c-Ww Iq-«p-I In-«m-¡-Sw Ip-d-bv-¡p-I In- « m- ¡ - S {]- X n- k - Ô n am- ä m- ³ _m-¦p-IÄ-¡v aq-e-[-\ k-lm-b-ambn tI-{µw h-³ Xp-I \Â-Ip¶p-≠v. Cu _m-[y-X Ip-d-bv¡p-I

• • •

Pn Fw ap-X- ap-I-fn-tem-«p-Å-hÀ¡v Ip-d-ª-Xv c-≠v hÀ-jw Im-emh-[n A-\u-tZym-Kn-I U-b-d-ÎÀ-am-cp-sS i-¼-fw Xo-cp-am-\n-¡mw hm-bv-]m X-«n-¸v A-S-¡w X-S-bm-³ No-^v dn-kv-Iv Hm-^o-k-sd \n-b-an¡mw h- e n- b _m- ¦ p- I - f n-  F- I v - k nIyq-«n-hv U-b-d-ÎÀ-am-cp-sS F-®w \m-em-bn D-bÀ-¯pw

e-bn-¡p-¶ _m-¦p-I-Ä

A-©v e-£w tIm-Sn tUm-f-À aq-eyap-Å k-¼-Zv hy-h-Ø-sb-¶ e-£yw ssI-h-cn-¡m³ e-b-\w k-lm-bn¡p-sa-¶v [-\-a-{´n \nÀ-a-em ko-Xm-cm-a-³ ]-d-ªp

_m-¦v t_mÀ-Un-sâ A-[n-Im-c-§-Ä • • •

F-Ãm s]m-Xp-ta-J-em _m-¦pIÄ-¡pw t\m-¬ F-Iv-kn-Iyq«n-hv sN-bÀ-am³ _m-¦p-I-fp-sS t_mÀ-Up-I-Ä hn-] p- e - a m- b A- [ n- I m- c- § - Ä \Â-In ]p-\x-kw-L-Sn-¸n-¡pw Pn Fw ap-X-Â Fw Un h-sc-bpÅ-h-cp-sS {]-hÀ-¯-\-an-I-hpw {]-I-S-\-hpw t_mÀ-Uv hn-e-bncp-¯pw _n-kn-\-kv ta-[m-hn-bm-bn kn Pn F-½n-s\ \n-b-an-¡mw sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

21


_m-¦nwKv

Banking

Hm-dn-bâ-Â _m-¦v Hm-^v sIm-ta-gv-kpw bp-ssW-ä-Uv _m-¦v Hm-^v C-´y-bpw e-bn-¡p-t¼mÄ 17.94 e-£w tIm-Sn cq-]bp-sS _n-kn-\k - m-Wv H-cp Ip-S¡ - o-gn-emIp-I. B-sI im-J-I-Ä: 11,437. 1,00,649 Po- h - \ - ¡ m- c p- ≠ m- h pw. cm- P y- s ¯ c-≠mw h-en-b s]m-Xp-ta-J-em _m-¦mbn-cn-¡p-an-Xv. ]p-Xn-b _m-¦n-Â 10,43,659 tIm-Sn cq-]-bp-sS \n-t£-]-am-Wv D-≠mhp-I. Z-£n-tW-´y-bn-se {]-ap-J _m-¦m-b Im-\-dm _m-¦v a-säm-cp {]-apJ _m-¦m-b kn³-Un-t¡-äv _m-¦p-am-bn tN-cp-t¼m-Ä 15.20 e-£w tIm-Sn cq-]-bpsS _n-kn-\-kp-am-bn cm-Py-s¯ \m-em-

A-`n-ap-Jw

sI. ]n. ]-Zv-a-Ip-amÀ ap³ sN-bÀ-am³, s^-U-d _m-¦v en-anäUv

22

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

a- s ¯ h- e n- b _m- ¦ m- h pw. 8,58,930 tIm-Sn cq-]-bp-sS \n-t£-]-hpw 10,342 im-J-I-fn-em-bn 89,885 Po-h-\-¡m-cpw D-≠m-hpw. bq- W n- b - ³ _m- ¦ v Hm- ^ v C- ´ y, B-{Ô _m-¦v, tImÀ-]-td-j-³ _m-¦v F-¶n-h H-¶n-¡p-t¼m-Ä 14.6 e-£w tIm- S n cq- ] - b p- a m- b n _n- k n- \ - k n- Â A- © mw Øm- \ - t ¯- ¡ v D- b - c pw. ]pXn-b _m-¦n-\v bq-Wn-b³ _m-¦n-sâ c-≠n-c-«n h-en-¸w. B-sI im-J-I-Ä: 9,609. 1,84,568 tIm-Sn cq-]-b-sS \n-t£]w D-≠m-hpw. 75,384 Po-h-\-¡m-À. C-´y-³ _m-¦v, A-e-l-_m-Zv _m¦v F- ¶ n- h - b p- s S kw- b p- à _n- k n-

\-kv 8.08 e-£w tIm-Sn-bm-bn-cn-¡pw. Z-£n-W, h-S-¡-³, In-g-¡-³ kw-Øm\-§-fn-Â km-¶n-[yw. G-gmw h-en-b s]m-Xp-ta-J-em _m-¦v. 4,56,411 tIm-Sn cq-]-bp-sS \n-t£-]-hpw. 6,104 im-J-Ifn-em-bn 42,814 Po-h-\-¡m-À. Cu ]- ¯ v _m- ¦ p- I - Ä e- b n- ¡ pt¼m-Ä A-Jn-te-´ym km-¶n-[y-ap-Å _m-¦v Hm-^v C-´y-bpw sk³-{S-Â _m¦v C-´y-bpw A-tX-]-Sn Xp-S-cpw. {]m-tZin-I-am-bn i-à-am-b km-¶n-[y-ap-Å C-´y-³ Hm-hÀ-ko-kv _m-¦v, bq-tIm _m-¦v, _m-¦v Hm-^v a-lm-cm-{ã, ]-©m_v B³-Uv kn-Ôv _m-¦v F-¶n-h-bpw A-X-Xv {]-tZ-i-§-fn-Â Xp-S-cpw.

am-µy-¯n-sâ km-l-N-cy-¯n _m-¦v e-b-\-s¯-¡p-dn-¨v ap³ s^-U-d _m-¦v sN-bÀ-am³ {io sI ]n ]-Zv-a-Ip-am-dp-am-bn Sm-Iv-kv tI-c-f \-S-¯n-b A-`n-ap-Jw C-t¸mÄ cm-Pyw I-S¶ - p-t]m-bn-s¡m-≠n-cn¡p-¶ km-¼-¯n-I-am-µy-¯n-sâ km-l-Ncy-hpw _m-¦v e-b-\-hp-am-bn _-Ô-s¸-Sp¯m³ km-[n-¡p-tam? _m- ¦ v e- b - \ - s ¯ F- ¡ - t Wm- a n- I v k v tem-Uu¬-am-bn _-Ô-s¸-Sp-¯p-¶-Xn AÀ-°-an-Ã. tem-§v ssSw s_-\-^n-äv t\m¡n-bm-Wv _m-¦v saÀ-Pn-Mv sIm-≠p-h-¶n-cn¡p-¶-Xv. B-h-iy-¯n-\v Iym-]n-ä C-Ãm¯-Xp-sIm-≠v 23 _m-¦p-I-fn ]-eÀ-¡pw se³-Un-Mv I-¸m-kn-än C-Ã. ]-g-b I-W-¡pIÄ A-\p-k-cn-¨v 12 e-£w tIm-Sn-bp-sS NPA Ip-an-ªp-Iq-Sn-b A-h-Ø-bm-Wv. H-¼-Xv i-X-am-\-am-Wv Iym-]n-ä A-Uo-Iz-kn td-

tjym.A-Xm-b-Xv A-Xv 100 tIm-Sn se³-Uv sN-¿p-t¼mÄ 9 tIm-Sn Hm-Sn _m-¦p-I-fp-sS ssI-h-iw Iym-]n-ä B-bn D-≠m-bn-cn-¡Ww. B Iym-]n-ä A-Uo-Iz-kn C-Ãm-¯ A- h - Ø - b m- W v D- ≠m- b n- c p- ¶ - X v . C- X n kÀ-¡mÀ sN-t¿-≠n-bn-cp-¶-Xv F³-]n-F ap-gp-h³ H-cp _m-Uv _m-¦n-te-¡v am-än-bn«v Cu _m-¦p-I-sf F-Ãmw F³-]n-F s{]m h - n-j\ - n \n-¶pw am-än \nÀ-¯n A-hc - p-sS dnssh-kv-Uv Iym-]n-ä A-Uo-Iz-kn F-{X-bmsW-¶v t\m-¡n-bn-«v Required capital sIm-Sp¯v, A-hs - c further lending \vk - Ö - a - m-¡p-¶ H-cp {]-bm-W-am-bn-cp-¶p th-≠n-bn-cp-¶-Xv. A-§-s\ h-cp-t¼mÄ _m-¦nsâ _m-e³-kv jo-äv h-ep-Xm-Ip-I-bpw h-en-b-tXm-Xn-ep-Å se³-Un-Mv km-[y-am-hp-I-bpw sN-¿p-am-bncp-¶p. am-µy-¯n-sâ a-cp-¶m-bn saÀ-P-dn-s\ ImWm³ km-[n-¡p-tam? F³-]n-F-bn \n-¶v ap-à-am-¡p-¶ H-cp sa-jÀ Iq-Sn Iq-Sn sN-bv-Xn-cp-s¶-¦n _m- ¦ p- I Ä consolidate sN- b v - X p- I - g n- b pt¼mÄ Iq-Sp-X \-¶m-bn {]-hÀ-¯n-¡m\pw dm-j-W-em-bn se³-Un-Mv t]m-fn-kn adopt sN-¿m-\pw km-[n-¡pw. _m-¦p-IÄ ]-eX - c - ¯ - n saÀ-Pv sN-¿p-¶Xv ap³-]p-≠m-bn-cp-¶ _m-¦n-se C-S-]m -Sp-ImÀ-¡v h³-tXm-Xn-ep-Å D-Å B-i-b¡p-g-¸w D-≠m-¡m-\p-Å km-[y-X-bn-tÃ? Hm-tcm _m-¦n-\pw A-Xn-tâ-Xm-b IĨÀ D-≠v. saÀ-PÀ h-cp-t¼mÄ humen relations


_m-¦nwKv

Banking  {]-iv-\-§Ä D-≠m-tb-¡mw. ap³-]v ap³-]v tÌ-äv _m-¦n-epw a-äpw I-≠-Xp-t]m-se kÀ-ho-kv NmÀ-PpIÄ Ip-¯-s\ hÀ-²n-¸n-¡p-¶ H-cp km-l-N-cyw saÀ-Pn-§n-\p ti-jw D-≠m-tb-¡-tam? A-§-s\ H-cp A-]-I-Sw A-Xn H-fn-ªn-cn-¸p-≠v. ]-t£ {]-_p-²cm-b H-cp I-Ì-aÀ t_-kv C-t¸mÄX- s ¶ B- b n- ¡ - g n- ª p. an- \ n- a w _m-e³-kv sa-bv-â-bn³ sN-¿m-¯Xn-\v _m-e³-kv I-«v sN-bv-X-Xn-s\ kw- _ - Ô n- ¨ v {]- X n- t j- [ w H- s ¡ C-t¸mÄ \-S-¡p-¶p-≠v. A-Xn-\m A-¯-cw cm-{ã _m-¦p-I-sf Im-fpw h-f-sc-b-[n-I-am-Wv. A-Xn-\m-em-Wv P-em³ I-½n-än B td-tjym BÀ-_nsF Io-¸v sN-t¿-≠-Xp-t≠m F-¶v ]Tn-¨-Xv. A-¯-cw km-l-N-cy-§Ä¡v km- [ y- X Ip- d - h m- W v , F- ¶ n- c p¶m-epw h-en-b _m-¦p-I-fp-sS C-¯-cw monopolistic tendancy IÄ-¡v X-S-bn-Sm\p-Å D-Å \-S-]-Sn-IÄ B-hn-jv-I-cnt¡-≠-Xp-≠v. R-B-I bp-sS I-cp-X [-\w K-h¬sa³- d v Hm- ^ v C- ´ y- b v - ¡ v \Â- I n- b Xn-s\ F-§-s\ hn-e-bn-cp-¯mw? C-Xn-s\ c-≠v co-Xn-bn hn-e-bn-cp¯-Ww. BÀ-_n-sF-bp-sS dn-tkÀ-hpw A-k-äp-am-bm-Wv \-½Ä _-Ô-s¸-Spt¯-≠-Xv. A-k-äv Sp dn-kÀ-hv td-tjym t\m- ¡ n- b m BÀ- _ n- s F- b p- s S tdtjym a- ä v A- ´ m- c m- { ã _m- ¦ p- I - s f

Im-fpw-h-f-sc-b-[n-I-am-Wv. A-Xn-\m-emWv P-em³ I-½n-än B td-tjym BÀ_n-sF Io-]v sN-t¿-≠-Xp-t≠m F-¶v ]-cn-tim-[n-¨-Xv. B I-½n-än-bp-sS I¬¢q-j³ A-\p-k-cn-¨m-Wv dn-kÀ-hn \n-¶pw Xp-I C-t¸mÄ K-h¬-sa³-dv te¡v am-än-bn-cn-¡p-¶-Xv. C-´y³ k-¼-Zv hy-h-Ø C-{X-bpw £o-Wn-¨n-cn-¡p-¶p Cu A-h-Ø-bn BÀ-_n-sF-bp-sS Cu ^-≠v D-]-tbm-K-s¸-Sp-¯n _m-¦nwKv sk-ÎÀ te-¡v B-h-iy-am-bn-«p-Å capitalization \p th-≠n D-]-tbm-Kn-¡p-Ibm-sW-¦n A-Xv \m-sf k-¼-Zv hy-hØ-bv-¡v \-sÃm-cp D-t¯-P-\w \Â-Ip¶ \-S-]-Sn-bm-bn-cn-¡pw.

C-´y F-¶-Xv H-cp Iym-]n-ä sU^n-jyâ v B-bn-«p-Å cm-Py-am-W-tÃm. B km-l-N-cy-¯n \-ap-¡v th-≠-Xv Iym-]n-ä B-Wv. B-b-Xn-\m-bn BÀ_n-sF-bp-sS ]-¡-ep-Å profit+reserve D-]-tbm-K-s¸-Sp-¯p-I-bm-bn-cp-¶p th≠n-bn-cp-¶-Xv. A-Xn C-Xn bm-sXmcp A-]-I-S-hpw C-à F-¶-Xm-Wv F-sâ \n-co-£-Ww. b-YmÀ-°-¯n _m-¦pI-fp-sS Iym-]n-ä tÌ-j-\v C-\n-bpw h-en-sbm-cp km-¼¯ - n-I \-½Ä ap-St- ¡≠-Xp-≠v. A-Xn-te-¡m-bn B-bn 76000 tIm-Sn cq-]-bm-Wv I-gn-ª _-P-än h-I-bn-cp-¯n-bn-cn-¡p-¶-Xv. B Xp-Ibpw A- Xn- \ v ]- cym- ] v - X- a m- s W- ¶ v F\n-¡v tXm-¶p-¶n-à C-à C-\n-bpw C³-sh-Ìv-sa³-dv th-≠n-h-cpw. C-t¸m-gp-Å Cu am-µyw a-dn-I-S¡m³ km-[y-am-b \-S-]-Sn-I-sf¡p-dn-¨v? C-´y-sb kw-_-Ôn-¨v \-ap¡v C-t¸mÄ th-≠-Xv C³-sh-Ìvsa³-dv Dw Un-am³-Upw Iq-«m-\pÅ \-S-]-Sn-I-fm-Wv. Sm-Iv-kn tdäv I-«v sN-¿p-I, km-[m-c-W-¡m-csâ ssI-bn Iq-Sp-X ]-W-sa¯n-¡p-I Iq-Sp-X ]-Ww sp-en-d sN-¿n-¡p-I. C-t¸mÄ \-ap-¡v th≠-Xv H-cp ]p-\-cp-Öo-h-\-am-Wv. A-Xn-\v km-[m-c-W-¡m-c-sâ ssIbn ]- W - s a- ¯ - W w. ]u- c - s \ sIm-≠v spend sN-¿n-¡-Ww. SmIv-kv td-äv Ip-d-bv-¡p-¶-Xpw a-äpw A-Xn-\p k-lm-bI - a - m-Ipw. A-tXmsSm-¸w X-s¶ ImÀ-jn-I ta-J-ebn IÀ-j-I-\v \ym-b-am-b hn-e In-«p-¶p-≠v F-¶v D-d-¸p h-cp-t¯≠-Xv B-h-iy-am-Wv. sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

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C³jpd³kv

Insurance

C³-jq-d³-kv ]-cn-c-£ D-@m-bn-«pw H-t«-sd hm-l-\-bp-S-a-IÄ-¡v

ssI-s]m-Ån-b-sX-§-s\? a-g-bn sN-dp i-Ð-¯n ]m-«p h-¨v Ìn-b-dn-§n hn-c-ep-sIm-@v Xm-f-an-«p t]m-Ip-¶-Xv \-½p-sS H-cp l-c-am-bncp-¶p. F-¶m Ip-d-¨p-\m-fm-bn, a-g a-e-bm-fn-IÄ-¡p t]-Sn-bm-Wv. A-Xp-t]m-se X-s¶ \-½p-sS hm-l-\-¯n-\pw!

_n-tPm-jv Ip-amÀ sI. _n. skbvÂ-kv am-t\PÀ, kv-ämÀ slÂ-¯v C³-jp-d³kv

C

³- j q- d ³- k v {]o- a n- b w Xp-I em-`n-¡m³ sFUn hn( hm-l-\w C³-jpÀ sN¿p-¶ sam-¯w aq-eyw) Ip-d-¨p Im-«n-b-Xv ]-eÀ-¡pw I-gn-ª {]-f-b-¯n \-ãw D-≠m-¡nbn-cp-¶p. tSm-«Â tem-kv I-W¡m- ¡ p- t ¼mÄ sF- U n- h n Xp-I-bm-Wv D-S-a-bv-¡p \-ã-]cn-lm-c-am-bn In-«p-I. A-Xn-\m  \ym-b-am-b sF-Un-hn Hm-tcm hÀ-jhpw C³-jq-d³-kv ]p-Xp-¡p-t¼mÄ hml-\-¯n-\v D-d-¸m-¡p-I. hm-l-\-t¯msSm-¸w BÀ-kn _p-¡v, C³-jp-d³-kv I-S-em-kv F-¶n-h \Â-In C³-jq-d³kv s¢-bnw t^mw H-¸n-«p \Â-Im-¯-Xv I-gn-ª-hÀ-jw s¢-bn-ap-IÄ XoÀ-¸m¡p-¶-Xn Xm-a-kw h-cp-¯n. Iq-Sm-sX sk-¡³-Uv lm³-Uv hm-§n-b hm-l-\§-fp-sS BÀ-kn bpw C³-jq-d³-kpw kz- ´ w t]- c n- t e- ¡ v am- ä m- ¯ - X pw hne- § p- X - S n- b m- W v . {]- f - b w _m- [ n- ¨ Ø-e-s¯ D-S-a-bp-sS hn-em-kw A-à BÀ- k n- b n F- ¶ - X v C³- j q- d ³- k v \-S-]-Sn-{I-a-§Ä k-¦oÀ-W-am-¡n-bn-cp¶p. h-≠n-bn-se F-Iv-kv-{Sm ^n-än-Mv-kv {]-tXy-Iw C³-jpÀ sN-bv-Xn-sÃ-¦n Xp-I In-«n-Ã. \-ãw I-W-¡m-¡n-b ti-jw hm-l\-¯n-sâ sF-Un-hn (C³-jp-d³-kv sN-

24

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

bv-X hn-e) sb-¡mÄ hm-l-\w \-¶m-¡n F-Sp-¡p-¶ Xp-I Iq-Sn-bmÂ, A-sÃ-¦n 75 i-X-am-\-¯n Iq-Sn-bm tSm-«Â tem-kv B-bn I-W-¡m-¡n D-S-a-bv-¡v sF-Un-hn (C³-jqÀ sN-bv-X hn-e G-ItZ-iw ap-gp-h-\m-bpw \-ã-]-cn-lm-c-am-bn C³-jp-d³-kv I-¼-\n-IÄ \Â-Ip-¶p. tSm-«Â tem-kn³ ta-ep-Å \-ã-]cn-lm-cw sF-Un-hn-bn³-ta Un-{]okn-tb-j³ (hn-e-bn-Sn-hv) kw-`-hn-¡p¶n-Ã. t]m-fn-kn Im-em-h-[n ap-gp-h³ G-I-tZ-iw sam-¯w sF Un hn X-s¶ \-ã-]-cn-lm-c-am-bn e-`n-¡p-¶p. tem¬ F-Sp-¯p hm-§n-b hm-l-\w tSm-«Â tem- k v B- s W- ¦ n _m- ¦ n \n- ¶ v \n-cm-t£-] ]-{Xw e-`n-¨m am-{X-ta C³-jp-d³-kv I-¼-\n-IÄ-¡v ssI-amdm³ km-[n-¡q. tSm-«Â tem-kv B-b hm-l-\-¯nsâ \-ã-]-cn-lm-cw e-`n-¡m³, hm-l\-¯n-sâ BÀ-kn _p-¡n-t\m-sSm-¸w

hm-l-\w ssI-am-äw sN-¿p-hm³ B-hiy-am-b hn-hn-[ t^m-ap-I-fpw C³-jpd³- k v I- ¼ - \ n- I Ä- ¡ v H- ¸ n- « v \Â- t I≠-Xp-≠v. {]-f-b-¯n tSm-«Â tem-kv B-b hm-l\ - ¯ - n-\v G-It- Z-iw ap-gp-h³ sF-Un-bpw \-ã-]-cn-lm-c-am-bn \Â-Ins¡m-≠v B hm-l-\w D-S-a-bnÂ-\n-¶v G- s ä- S p- ¯ v Xp- S À- \ - S - ] - S n- I Ä sImtÅ- ≠ hn- t h- N - \ m- [ n- I m- c w C³- j qd³-kv I-¼-\n-IÄ-¡p-≠v. A-Xn-\m X- s ¶ hm- l - \ w ssI- a m- ä w sN- ¿ m³ B-h-iy-am-b tc-J-IÄ \Â-Im-sX tSm«Â tem-kn-sâ \-ã-]-cn-lm-cw km-[yam-hp-I-bn-Ã. X-§-fp-sS hm-l-\w C³-jp-d³-kv I-¼-\n-IÄ ta-Sn-¨v a-säm-cmÄ-¡p sImSp-¯v A-h-c-Xv ]-Wn-Xp hnÂ-¡p-tam F-¶v B-i-¦-s¸-Sp-¶ hÀ-¡v tSm-«Â tem-kn-\p ]-I-cw, H-cp \n-Ýn-X \-ã-]cn-lm-c Xp-I-bpw hm-l-\-hpw C³-jqd³-kv I-¼-\n-IÄ X-s¶ \Â-Ip-¶p-


C³jpd³kv

Insurance

≠v. "km th-Pv tem-kv ' I-W-¡m-¡n hm-l-\w D-]-t`m-àm-hn-\p X-s¶ Xn-cn¨p sIm-Sp-¡p-I-bm-Wv sN-¿p-I. A-Xmb-Xv hm-l-\w \n-e-hn-se A-h-Ø-bn H-gn-hm-¡p-t¼mÄ In-«p-¶ hn-e I-W¡m-¡n _m-¡n Xp-I sF-Un-hn bn \n- ¶ v D- ] - t `m- à m- h n- \ v e- ` n- ¡ p- ¶ p. A-Xp-]t- bm-Kn-¨v ]p-ds - ¯ G-sX-¦n-epw hÀ-¡v-tjm-¸n \n-¶v ImÀ \-¶m-¡mw. I- g n- ª {]- f - b - I m- e - ¯ v B- b n- c ¡-W-¡n-\p Im-dp-I-fm-Wv sh-Åw I-bdn \-in-¨p t]m-b-Xv. km-[m-c-W-bm-bn A-]-I-Sw Im-c-W-tam a-täm-D-≠m-Ip-¶ tI-Sp-]m-Sp-IÄ Im-Wv \-½Ä C³-jqd³-kv ]-cn-c-£ \Â-Ip-¶-Xv. F-¶m am- d p- ¶ tI- c - f - ¯ n- s e Im- e m- h - Ø bn a-g F-¶ `o-I-c-s\ Iq-Sn ap-¶n I- ≠ p th- W w Im- d p- I Ä- ¡ v C³- j qd³-kv F-Sp-¡m³. C-Xn-\m-h-iy-am-b B-Uv Hm¬ I-h-td-Pp-IÄ t]m-fn-kn hm-§p-t¼mÄ X-s¶ D-d-¸m-¡p-I. tIc-f-¯n C-¯-h-W a-g I-\-¯p Xp-S§n-b-t¸mÄ X-s¶ ]-e C³-jp-d³-kv I-¼-\n-I-fpw C-¡m-cyw Nq-≠n-¡m-«n D- ] - t `m- à m- ¡ Ä- ¡ v F- k v Fw- F - k v k-tµ-iw A-b-¨n-«p-≠v. {]-[m-\-am-bpw Nq-≠n-¡m-«p-¶-Xv ssl-t{Um-Ìm-än-Iv tem-¡v C³ F³-Pn³ F-¶ X-I-cm-dmWv. Im-dn-sâ F³-Pn-\n sh-Åw I-b-

dn-bm C³-jp-d³-kv ]-cn-c-£ In-«n-à F-¶-Xm-Wv k-tµ-i-¯n-sâ km-cw. h- b -d n- s â ]- I p- X n- t bm- f w sh- Å ¯n ap-§n-bm-Wv hm-l-\-¯n-sâ InS-s¸-¦nÂ, F³-Pn-s\ sh-Å-s¸m-¡w _m-[n-¨n-«p-s≠-¶v D-d-¸m-¡mw. F³Pn³ Hm-bn Un-Ìn-Iv Du-cn-sb-Sp-¯v A-Xn P-emw-iw D-t≠m F-¶v B-Zyw ]-cn-tim-[n-¡p-I. F-bÀ ^nÂ-ä-dn-sâ

tSm-«Â tem-kv I-W-¡m¡p-t¼mÄ sF-Un-hn Xp-I-bm-Wv D-S-a-bv-¡p \-ã-]-cn-lm-c-am-bn In-«p-I. A-Xn-\m \ymb-am-b sF-Un-hn Hm-tcm hÀ-j-hpw C³-jq-d³-kv ]p-Xp-¡p-t¼mÄ hm-l\-¯n-\v D-d-¸m-¡p-I

]-cn-k-c-¯pw sh-Å-ap-s≠-¦nÂ, F³Pn-s\ tZm-j-I-c-am-bn _m-[n-¨n-«p-≠v F-¶v a-\-Ên-em-¡mw. hm-l-\w sh-Å-¯n \n-¶p t]m -bm-tem, A-I-s¸-«m-tem H-cp Im-c-W-him-epw ho-≠pw ÌmÀ-«v sN-¿m³ {i-an¡- c p- X v . A- § - s \ sN- b v - X m F³Pn- \ n- t e- ¡ v hm- b p h- e n- s ¨- S p- ¡ p- ¶ C³- t S- ¡ v kw- h n- [ m- \ w h- g n sh- Å w I-b-dp-I-bpw F³-Pn³ X-I-cm-dn-em-¡pI-bpw sN-¿pw. ( ssl-t{Um Ìm-ä-kv tem-¡v). B-Zyw sN-t¿-≠-Xv hm-l-\w X-Ån sh-Å-an-Ãm-¯-bn-S-t¯-¡v amäp-I-bm-Wv. F-{X-bpw-th-Kw kÀ-ho-kv skâ-dn hn-h-cw A-dn-bn-¡p-I. Hm-tcm I-¼-\n-bp-sS-bpw F³-Pn³ Un-ssk³ A-\p-k-cn-¨v C³-tS-¡v kwhn-[m-\w hy-Xy-kv-X D-b-c-¯n-em-bn-cn¡pw. A-Xn-\m sh-Å-¯n ap-§n-b a-säm-cp hm-l-\-¯n-\v F³-Pn-\n shÅw I-b-dn-bn-«n-à F-¦n-epw A-Xn-\p sXm-«p ]n-¶n t]m-Ip-¶ \n-§-fp-sS hm- l - \ - ¯ n- s â F³- P n- \ nÂ- s h- Å w I-b-dmw. sh- Å - ¯ n- e q- s S hm- l - \ w C- \ n ap-t¶m-«v t]m-In-à F-¶v D-d-¸m-¡p-Ibpw hm-l-\w Hm¬ B-bn-cn-¡p-I-bpw sN-¿p-¶ A-h-Ø-bn-epw B-Zyw F³sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

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C³jpd³kv

Pn³ Hm-^v B-¡p-I. F-¶mÂ, hm-l\w X-Ån a-säm-cn-S-t¯-¡p \o-¡n \n À-¯n ho-≠pw ÌmÀ-«v sN-¿m³ {i-an¡-cp-Xv. tjm-¸n F-¯n-¨ kv-]mÀ¡v ¹-Kpw F-bÀ ^nÂ-ä-dpw ]-cn-tim[n-¨v F³-Pn³ X-I-cmÀ (ssl-t{Um Ìm-än-Iv F³-Pn³ tem-¡v) C-sÃ-¶v D-d-¸m-¡-Ww. sh-Å-¯n In-S-¶ hm-l-\-¯nsâ F-\v-Pn-\v H-¸w sh-Åw I-b-dn-bn«n-à F-¶v tXm-¶ n-bm-e pw hm-l-\ w ÌmÀ-«v sN-¿m³ {i-an-¡-cp-Xv F-s´¦n-epw Im-c-W-h-im F³-Pn³ Hm¬ B-bm X-s¶ sh-Åw I-b-dn-bn-«p≠v F-¦n B-Iv-kn-e-td-äÀ N-hn-«pt¼mÄ F³-Pn³ s]m-«n-s¯-dn-¡m³ h-sc km-[y-X-bp-≠v. {i-²n-¡p-I, shÅw I-b-dn-b F³-Pn³ Hm-Wm-¡m³ {i-an-¨n-«p-t≠m F-¶v km-t¦-Xn-I ]-cntim-[-\-bn A-hÀ-¡v A-dn-bm-\pw km-[n-¡pw. hm-l-\-¯n-\p \m-i-\-ãw kw-`-hn-¨-Xn-sâ t^m-t«m sam-ss_en F-Sp-¯p h-bv-¡p-¶-Xv \-¶m-bncn-¡pw. \-ãw s¢-bnw sN-¿m-\m-bn C³-jpd³-kv I-¼-\n-bn tc-Jm-aq-ew D-S³ A-dn-bn-¡p-I. A-Y-hm, t]m-fn-kn \-ãs¸-« A-h-Ø-bm-sW-¦n t]-cpw hml-\-¯n-sâ c-Pn-kv-t{S-j³ \-¼-dpw C³-jp-d³-kv I-¼\ - n-sb A-dn-bn-¨m _m-¡n Im-cy-§Ä I-s≠-¯m-\m-Ipw. a-äp hm-l-\-§-fp-am-bn D-≠m-Ip-¶ Iq- « n- b n- S n, t{_- ¡ v Su¬, Im- d n a-g sh-Åw I-b-dn D-≠m-Ip-¶ am-en\yw F³-Pn-\n sh-Åw I-b-dn D-≠m26

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

Insurance

Ip-¶ X-I-cmÀ ( ssl-t{Um Ìm-än-Iv tem-¡v C³ F³-Pn³) Xp-S-§n-b-hsbm-s¡-bm-Wv a-g-¡m-e-s¯ Im-dpIÄ t\-cn-Sp-¶ sh-Ãp-hn-fn. D-S-a-IÄ km-[m-c-W F-Sp-¡p-¶ tXÀ-Uv ]mÀ«n, tImw-{]n-sl³-ko-hv C³-jp-d³-kv I-fn B-Iv-kn-Uâpw am-en-\yw hr¯n-bm-¡-epw DÄ-s¸-sS-bp-Å Im-cy§-fpw ]-cn-c-£-bp-≠v. hm-l-\-¯n D-≠m-Ip-¶ tSm-«Â tdm-kpw C-Xn-epÄs¸-Spw. F-¶m F³-Pn-\n sh-Åw I-b-dn D-Å X-I-cm-dn C-Xn ]-cn-c£ e-`n-¡n-Ã. tI-c-f-¯n {]-f-bw Xp-SÀ-¡-Y-bm-Ip-¶ km-l-N-cy-¯n F³- P n³ kp- c - £ DÄ- s ¸- s S- b p- Å B-Uv Hm¬ I-h-td-Pv ImÀ C³-jq-d³-

tI-c-f-¯n {]-f-bw Xp-SÀ-¡-Y-bm-Ip-¶ kml-N-cy-¯n F³-Pn³ kp-c-£ DÄ-s¸-sS-bp-Å B-Uv Hm¬ I-h-td-Pv ImÀ C³-jq-d³-kn-s\m¸w hm-§m³ D-S-a {i-²n-¡p-I.

kn-s\m-¸w hm-§m³ D-S-a {i-²n-¡p-I. km-[m-c-W t]m-fn-kn-bn Im-dnsâ ¹m-Ìn-Iv, ss^-_À, d-_À `m-K§Ä, s]-bnâ v Xp-S-§n-b Im-e-{I-a¯n aq-ey-tim-j-Ww kw-`-hn-¡p-¶ `m-K§ - Ä-¡v A-hb - p-sS ]-g¡ - w (Un-{]okn-tb-j³) A-\p-k-cn-¨p-Å \-ã-]cn- l m- c w am- { X- t a e- ` n- ¡ p- I - b p- Å q. {]-f-b-¯n s]-« Im-dp-I-fp-sS C-¯cw `m-K§ - Ä am-äp-It- bm A-äI - p-ä¸ - W - n sN-¿p-I-tbm sN-bv-Xn-«n-sÃ-¦n t]m f - n-kn sk-än sN-¿p-¶ k-ab - ¯ - v C-hbp-sS A-[n-I-hn-e Im-dp-S-a kÀ-ho-kv skâ-dn \-S-t¡-≠n h-cp-¶p. Cu A-[n-I _m-[y-X H-gn-hm-¡n, C-¯-cw ]mÀ-Sv-kp-I-fp-sS ap-gp-h³ Xp-I-bpw C³-jp-d³-kv I-¼-\n-bn \n-¶p In«p- ¶ - X n- \ v Un- { ]o- k n- t b- j ³ ^oÂUv (ko-tdm Un-{]o-kn-tb-j³) F-¶v B-tUm¬ I-h-td-Pv s]m-fn-¡mw F-Sp¡p-I. a-g sh-Å-¯n ap-§n t]m-b ImÀ ÌmÀ-«v sN-¿p-t¼mÄ F³-Pn-\n-te-¡v sh-Åw-I-b-dn D-≠m-hp-¶ ssl-t{Um Ìm-än-Iv tem-¡v C³ F³-Pn³ F-¶ X-I-cm-dn-s\ ]-cn-c-£ In-«p-hm³ B-Uv Hm¬ k-lm-bn-¡pw. Hm-bn tNmÀ-¶v Kn-bÀ-t_m-Iv-kv D-≠m-Ip-¶ X-I-cmdn-\pw Cu B-Uv Hm-Wn ]-cn-c-£ e-`n-¡p-¶p. C-sÃ-¦n F³-Pn³ am{Xw \-¶m-¡m³ Im-dp-If - p-sS tam-U A- \ p- k - c n- ¨ v e- £ - § - f p- s S sN- e - h v h-cpw F-¶v HmÀ-¡p-I. t{_-¡v Uu¬, ImÀ sh-ů - n \n-¶v t]m-hp-I, _m-ä-dn, S-bÀ F-¶n-h ]-Wn-ap-S-¡v Xp-S-§n-b tI-kp-I-fn ku-P-\y tk-h-\w e-`y-am-¡p-¶-Xn-\v Cu B-Uv Hm¬ B-h-iy-am-Wv. a-sämcp hm-l-\w D-]-tbm-Kn-¨v ImÀ kÀ-hokv skâ-dn F-¯n-¡p-¶-Xn-\p-Å sN-e-hpw C³-jp-d³-kv I-¼-\n-IÄ h-ln-¡pw. tlm-«Â tem-kv B-Ip-¶ Im-dp-Ifp-sS D-S-a-bv-¡v A-Xp tjm-dq-an \n¶v hm-§n-b-t¸mÄ D-Å hn-e \-ã-]cn-lm-c-am-bn In-«p-¶-Xn-\v "dn-t«¬ Sp C³-thm-bn-kv' F-¶ B-Uv Hm¬ I-htd- P pw hn- ] - W n- b n e- ` yw. tSm- «  tem-kv B-b hm-l-\-¯n-sâ BÀ-kn _p-¡pw ssI-am-ä tc-J-I-fpw C³-jpd³-kv I-¼-\n-¡v \-ã-]-cn-lm-cw e-`n¡m³ \-  Ip- ¶ - X p- s Im- ≠ p- X - s ¶ kÀ-¡m-cn-te-¡v ap³-IqÀ A-S-¨ tdmUv Sm- I v - k n- s â do- ^ - ≠ v \- S - ¸ n- à . A-tX-k-a-bw C-Xn-\m-bn B-Uv Hm¬ I-hÀ F-Sp-¯n-«p-Å-hÀ-Iv C³-jp-d³kv I-¼-\n-IÄ X-s¶ \-ã-]-cn-lm-cw \Â-Ip-¶p.


C³jpd³kv

Insurance

\m-j-W-Â s]-³-j-³ kn-Ìw (F-³]n-F-kv):

kÀ-Æ-P-\-t£-a-¯n-\v

tI

-{µ k-À-¡mÀ kv-t]m-¬kÀ sN-¿p-¶ dn-«-b-Àsaâ v ]-²-X n-bm-Wv \m-j -W -Â s]-³ j-³ kn-Ìw (F-\v-]n-F-kv), hn-hn-[ A-k-äv ¢m-kp-I-Ä-¡v ^-≠v A-\p-h-Zn-¡p-¶Xn-\m-bn h-cn-¡m-c-³ A-h-cp-tS-Xm-b ]-²-Xn Xn-c-sª-Sp-¡mw. \m-j-W-Â sk-Iyq-cn-äo-kv Un-t]m-kn-ä-dn-bp-sS (F- ³ - F - k v - U n- F - Â ) sh- _ v - s sk- ä v {]-Im-cw F-³]n-Fk - v, 2004Â k-À¡ - m-À Po-h-\-¡m-À¡m-bn k-am-cw-`n-¡p-I-bpw 2009Â s]m-Xp-P-\-§-fv-¡m-bn hym-]n¸n-¡p-I-bpw sN-bv-Xp. Nn-e \n-_-Ô-\I-fv-¡v hn-t[-b-am-bn H-cp A-¡u-≠n-ev \n-¶v t\-c-t¯ ]n-\z-en-¡m-\pw t¢m-kv sN-¿m-\pw C-Xv A-\p-h-Zn-¡p-¶p-≠v. F--³]n-F-kn-Â \n-¶v H-cp h-cn-¡m-c-³

F-t¸m-gm-Wv ]p-d-¯p-I-S-¡m³ I-gnbp-I? km-[m-c-W \n-e-bn- s]³-j-\mhp-t¼mÄ (60 h-b-Êv Xn-I-bp-t¼mÄ) F³-]n-Fk - v A-¡u-≠n-se B-sI Xp-I H-cp e-£w cq-]-bn- Ip-d-hm-sW¦n F³- F - k v - U n- F - à n- s â sh- _ v ssk-äv {]-Im-cw c-≠v e-£w cq-] h-cn¡mÀ-¡v 100 i-X-am-\w ]n³-h-en-¡Â Xn-c-sª-Sp-¡mw. a-äv km-l-N-cy-§fn-Â, ti-J-cn-¨ tImÀ-¸-kn-sâ 40 i-Xam-\-sa-¦n-epw H-cp B-\zn-än kv-Iow hm§p-¶-Xn-\v hn-\n-tbm-Kn-t¡-≠-Xp-≠v, C-Xv h-cn-¡mÀ-¡v {]-Xn-am-k s]³-j-³ \Â-Ip-¶p. Cu km-l-N-cy-¯n-Â, _m¡n Xp-I h-cn-¡m-c-\v H-ä-¯-h-W-bm-bn \Â-Ipw.

{]o-sa-Nyp-À F-Iv-kn-äv (60 h-b-Êv Xn-I-bp¶-Xn-\p-ap-¼v) s]³-j³-h-cn-¡m-cp-sS ti-J-cn-¨ s]³-j-³ kz-¯n-sâ 80 i-X-am-\-sa¦n- e pw H- c p B- \ zn- ä n hm- § p- ¶ - X n- \ v hn-\n-tbm-Kn-t¡-≠-Xp-≠v, h-cn-¡m-c\v {]-Xn-am-k s]³-j-³ \Â-Ip-I-bpw _m-¡n Xp-I h-cn-¡mÀ-¡v H-cp Xp-I-bmbn \Â-Ip-I-bpw sN-¿p-¶p-sh-¶v F³F-kv-Un-F-Â.

a-c-W-ti-jw s]³- j ³- h - c n- ¡ m- c p- s S ti- J cn- ¨ s]³- j - ³ kz- ¯ n- s â 80 i- X am-\-sa-¦n-epw B-\zn-än hm-§p-¶-Xn\pw ]-¦m-fn-¡v {]-Xn-am-k s]³-j-³ \Â-Ip-¶X - n-\pw _m-¡n Xp-I t\m-an-\n / \n-b-a-]-c-am-b A-h-Im-in-¡v H-ä-¯-hW-bm-bn \Â-tI-≠-Xm-Wv. A-¡u-≠nse sam-¯w tImÀ-¸k - v H-cp e-£w cq-]bn-Â Ip-d-thm Xp-ey-tam B-sW-¦n-Â h-cn-¡m-c-sâ (kÀ-¡m-À ta-J-e) a-c-W Xo-b-Xn ap-X-Â 2 e-£w cq-] h-sc, t\man-\n / \n-b-a-]-c-am-b A-h-Im-in-¡v ]qÀ- ® - a m- b n ]n³- h - e n- ¡ m- \ p- Å Hm]vj - ³ - e-`n-¡p-sa-¶v F³-Fk - vU - n-FÂ ]-d-bp-¶p. Iq-Sm-sX, Ip-Spw-_mw-K-§-Ä

A-dp-]-Xv hÀ-j-t¯m-fw Cu k-aq-ls¯ tk-hn-¨ ]u-c³ A-\m-Y-\m-bn t]m-I-cp-X-tÃm! A-h-cp-sS km-¼-¯n-I `-{Z-X Iq-Sn D-d-¸m-¡m³ K-h¬-saâv \-S-¸n h-cp-¯p-¶ ]-²-Xn-bm-Wn-Xv Ip-Spw-_ s]³-j-³ Xn-c-sª-Sp-¡p-Ibm- s W- ¦ n-  N- « - § Ä A- \ p- k - c n- ¨ v , ti-J-cn-¨ F-Ãm s]³-j-³ kz-¯pw kÀ-¡m-À \nÀ-t±-i-{]-Im-cw Iq-Sp-X- sk-änÂ-saân-\m-bn t\m-U- Hm-^okn-se _m-¦v A-¡u-≠n-te-¡v am-äp¶p. A-¡u-≠n-se sam-¯w tImÀ-¸k - v H-cp e-£w cq-]-bn- Ip-d-thm Xp-eytam B-sW-¦n- H-cp e-£w cq-], h-cn¡mÀ-¡v ]qÀ-®-am-bn ]n³-h-en-¡m-\pÅ Hm-]v-j-³ e-`n-¡p-I-bpw sN-¿pw. F³-]n-F-kn- \n-¶v ]p-d-t¯-¡v t]mhm-\p-Å Hm-]v-j-\p-IÄ kq-¸À-C-\yqth-j-³ k-a-b-¯v s]³-j³-¡mÀ-¡v e-`y-am-Wv h-cn-¡mÀ-¡v F³-]n-F-kn- \n-t£-]w Xp-S-cm-³ Xo-cp-am-\n-¡mw (70 hÀ-jw h-sc) A-sÃ-¦n- F³-]n-Fkn- \n-¶v ]p-d-¯p-I-S-¡mw.

F³-]n-F-kv k-_v-kv-ss{I-_À-amÀ-¡v e-`y-am-b Hm-]v-j-\p-I-Ä C-Xm: F³-]n-F-kv A-¡u-­@n-sâ Xp-SÀ-¨ h-cn-¡m-c-\v hn-c-an-¡-en-\-¸p-dw (70 hÀ-jw h-sc) F³-]n-F-kv A-¡u-≠nte-¡v Xp-SÀ-¶pw kw-`m-h\ - \Â-Im-\pw kw-`m-h-\-bv-¡v A-[n-I \n-Ip-Xn B-\pIq-eyw t\-Sm-\pw I-gn-bpw

]n³-h-en-¡-Â \o-«n-sh-¡-Â s]¬-j-³ h-cn-¡m-c-\v A-h-sâ/ A-h-fp-sS ]-Ww ]n³-h-en-¡-Â am-änh-bv-¡m-\pw 70 h-b-Êv h-sc F³-]n-Fkn-Â \n-t£-]w \-S-¯m-\pw I-gn-bpw. F-¶n-cp-¶m-epw, h-cn-¡mÀ-¡v H-ä-¯h-W ]n³-h-en-¡-Â am-{X-ta am-än-h-bv¡m-\m-Iq, B-\zn-än am-{Xw am-än-h-bv¡mw A-sÃ-¦n-Â ew-]vkw, B-\zn-än F-¶n-h am-än-h-bv-¡mw

\n-§-Ä s]³-j-³ B-cw-`n-¡p-I F³- ] n- F - k v A- ¡ u- ≠ v Xp- S - c mt\m/am- ä n- h - b v - ¡ m- t \m h- c n- ¡ m- c - ³ B- { K- l n- ¡ p- ¶ n- s Ã- ¦ n- e  A- b mÄ¡v/A-hÄ-¡v F³-]n-F-kn- \n-¶v ]p-d-¯p-I-S-¡mw. A-h-\v/A-hÄ-¡v Hm¬-sse-\n- F-Iv-kn-äv A-`yÀ-°-\ B-cw-`n-¡m-³ I-gn-bpw, Iq-Sm-sX F³]n-F-kv F-Iv-kn-äv amÀ-¤-\nÀ-t±-i-§-Ä A-\p-k-cn-¨v s]³-j-³ e-`n-¡m-³ Xp-S§p-I-bpw sN-¿pw. sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

27


Pn F-kv Sn

GST

am-µyw kÀ-¡mÀ \-S-]-Sn-I-fn {]-Xo-£-bÀ-¸n-¨v P-\-§Ä.

km-¼-¯n-I k-¦o-À-W-X-IÄ hy-à-am-¡p-¶-Xm-Wv [-\-Im-cy a-{´n-bp-sS A-Sn-¡-Sn-bp-Å \-b ]-cn-jv-I-c-W {i-a-§-Ä

C-

¶-s¯ km-l-N-cy-¯n- k-¼-Zv-c-w-K-s¯ D-WÀ-hnsâ ]m-X-bn- F-¯n-¡m-\p-Å {i- a - § - Ä A- \ p- k yq- X w Xp- S - t c≠-Xp-≠v. B-À-_n-sF K-h-À-Wcv A-`n-{]m-b-s¸-«-Xp-t]m-se Cu {]-Xn-k-Ôn a-dn-I-S-¡m-³ Iq-«m-b H-cp ap-t¶-äw X-s¶ D-≠m-tI-≠nbn-cn-¡p-¶p. cm-Pyw A-`n-ap-Jo-Icn-¡p-¶ km-¼-¯n-I k-¦o-À-WX-IÄ \n-Êm-c-a-Ã. km-¼-¯n-I D-t¯-P-\ \-S-]-Sn-I-fp-sS `m-K-ambn cm-Py-am-sI hm-bv-]m-ta-f \-S¯m-³ s]m-Xp-ta-J-em _m-¦p-IÄ-¡p tI-{µ [-\-a-{´n \n-À-tZ-iw \Â-In-bn-«p-≠v. `-h-\, Im-À-jn-I hm-bv-]-I-Ä-¡p {]m-[m-\yw \-Â-IWw. Zo-]m-h-en A-S-¡w D-Â-k-h ko-k-Wp-I-fn- ]-c-am-h-[n hmbv-] e-`y-am-¡-W-sa-¶pw \nÀ-tZi-ap-≠v. c-≠p-L-«-am-bn 400 Pn-Ã-I-fn- hm-bv-]-ta-f \-S-¯pw. Cu-am-kw 24\pw 29\pw C-S-bn-em-Ipw 200 Pn-Ã-Ifn- B-Zy-L-« ta-f. A-Sp-¯-am-kw 10\pw 15\pw 200 Pn-Ã-I-fn- Iq-Sn ]-cn]m-Sn kw-L-Sn-¸n-¡pw. hm-bv-] Xn-cn-¨S-hv ap-S-§n-b sN-dp-In-S hy-h-km-b-§Ä-s¡-Xn-sc D-S-³ \-S-]-Sn ]m-Sn-sÃ-¶pw \nÀ-tZ-i-ap-≠v. Hm-K-Ìn- ]-W-s¸-cp¸w I-gn-ª ]-¯v am-k-¯n-\n-S-bn-se G-ä-hpw D-b-À-¶ \n-c-¡n-te-¡v F-¯nbn-cp-¶p. Hm-K-Ìn- 3.21 i-X-am-\-am-Wv do-s«-bv- ]-W-s¸-cp-¸w. Pq-sse-bn- 3.15 i-X-am-\-hpw 2018 Hm-K-Ìn- 3.69 i-X-am-\-hp-am-bn-cp-¶p ]-W-s¸-cp-¸w km-¼-¯n-I am-µyw t\-cn-Sm-\p-Å \-S-]-Sn-I-fp-sS `m-K-am-bn aq-¶m-gv-N-bv¡n-sS \n-c-h-[n {]-Jym-]-\-§-fm-Wp [-\-a-{´m-e-bw \-S-¯n-b-Xv. I-b-äp-aXn, dn-b- F-tÌ-äv ta-J-e-I-Ä-¡m-bn 70,000 tIm-Sn cq-]-bp-sS t{]m-Õm-l-\ ]-²-Xn-I-Ä \-S-¸m-¡p-sa-¶p I-gn-ª

28

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

Zn-h-kw hy-à-am-¡n-bn-cp-¶p. I-b-äp-aXn ta-J-e-bv-¡v 50,000 tIm-Sn-bp-sS-bpw dn-b-Â F-tÌ-äv ta-J-e-bv-¡v 20,000 tImSn-bp-sS-bpw ]m-t¡-Pp-I-fm-Wp {]-Jym]n-¨-Xv. _m-¦v e-b-\w D-Ä-s¸-sS-bp-Å D-t¯-P-\ ]-cn-]m-Sn-I-fpw {]-Jym-]n-¨n-

{]-Xn-k-Ôn a-dn-I-S-¡m-³ sXm-gn-ep-d-¸v ]-²-Xn-bn-Â ]-W-e-`y-X Iq-«n {Km-ao-W k-¼-Zv cw-K-s¯ ]p-\-cp-Öo-hn-¸n-¡m\p-Å ]-²-Xn-I-fpw A-Wn-b-d-bn-ep-@v

A-\o-ä kPn Sm-Iv-kv I¬-kÄ«â v

«p-≠v. {]-Xn-k-Ôn a-dn-I-S-¡m-³ sXm-gnep-d-¸v ]-²-Xn-bn- ]-W-e-`y-X Iq-«n {Km-ao-W k-¼-Zv cw-K-s¯ ]p-\-cp-Öohn-¸n-¡m-\p-Å ]-²-Xn-I-fpw A-Wn-bd-bn-ep-≠v. sXm-gn-ep-d-¸v ]-²-Xn-bn- ]-W-e-`y-X Iq-«p-¶-Xn-eq-sS km-[m-cW-¡m-cp-sS hm-§-Â-ti-jn D-b-cp-sa¶pw {Km-ao-W k-¼-Zv cw-K-s¯ ]p-\-cpÖo-hn-¸n-¡m-³ km-[n-¡p-sa-¶p-am-Wp k-À-¡m-cn-sâ I-W-¡p-Iq-«-ev. ]-W-e`y-X-bpw sXm-gn- A-h-k-c-§-fpw Ipd-ª-tXm-sS {Km-ao-W ta-J-e-bn-se k-¼-Zv hy-h-Ø I-Sp-¯ {]-Xn-k-Ôn t\-cn-Sp-¶p-sh-¶ hn-e-bn-cp-¯-en-sâ A- S n- Ø m- \ - ¯ n- e m- W p \- S - ] - S n. Cu km-¼-¯n-I h-À-j-¯n- sXm-gn-ep-d¸v ]-²-Xn-¡m-bn tI-{µw h-I-bn-cn-¯nbn- « p- Å - X v 60,000 tIm- S n cq- ] - b m- W v . sk-]v-äw-_-À 17 h-sc 46,486 tIm-Sn hnX-c-Ww sN-bv-Xp. A-[n-I-am-bn 15,000 tIm-Sn ap-X- 20,000 tIm-Sn h-sc B-hiy-s¸-«n-«p-ap-≠v. A-[n-I Xp-I {Km-a-§fn-se km-[m-c-W-¡m-cp-sS I-¿n-se-¯p¶-tXm-sS D-Xv-]-¶-§-Ä hm-§m-\p-Å a-Sn C-Ãm-Xm-Ipw. sN-e-hm-¡m-sX P-\§Ä kq-£n-¨p-h-bv-¡p-¶ ]-Ww hn-]Wn-bn-te-¡v C-d-§n-bm-se \n-e-hn-se {]-bm-k-¯n-Â-\n-¶p I-c I-b-dm-\m-Iqsh-¶pw A-Xn-\p-Å km-l-N-cy-am-Wp kÀ- ¡ m- À H- c p- ¡ p- ¶ - s X- ¶ pw km- ¼ ¯n-I hn-Z-Kv-[-À Nq-≠n-¡m-«p-¶p. h- f - À - ¨ m kq- N n- I - I - Ä X- b m- d m¡p-¶ Ìm-än-Ìn-Ivk - v B-³U - v t{]m-{Kmw Cw-¹n-sa-tâ-j-³ a-{´m-e-b-hpw te-_-À _yq-tdm-bpw sk-]v-äw-_-À B-Zy-hm-cw {Km-ao-W hn-I-k-\ a-{´m-e-b-hp-am-bn _-Ô-s¸-«n-cp-¶p. {Km-ao-W ta-J-e-bnse D-]-t`m-àr hn-e-kq-Nn-I-bpw (kn]n- s F- B À) Im- c v - j n- I sXm- g n- e p- I fpw (kn-]n-sF-F-F-Â) ]p-Xp-¡p-¶-Xv B-cw-`n-s¨-¶v A-dn-bn-¡m-\m-bn-cp-¶p Iq-Sn-¡m-gv-N.


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F-sâ ]-W-sa-Ãmw? ^n-\m³-jy AÂ-Iu-@n-Mv F-s¶m-cp hn-j-bw Fw _n F hn-ZymÀ-°n-IÄ-¡v ]Tn-¡m-\p@v. ]-Ww k-¼m-Zn-¡m³ H-cp {]-tXy-I ssh-Z-Kv-Zyw th-Ww. ]-s£ A-Xv {I-b-hn-{I-bw sN-¿p-¶-Xv H-cp I-e-bm-Wv \p ti-jw am-{Xw A-Sp-¯ tem¬ F-Sp-¡p-I

s{I-Un-äv ImÀ-Uv sI-Wn-IÄ

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§ - Ä k-¼m-Zn-¡p-¶h - c - m-tWm? ]-s£ k-¼m-Zn-¡p-¶ ]-Ww F- § - s \ sN- e - h m- I p- ¶ F- s ¶m- c p ]n-Sn-bpw In-«p-¶n-sÃ-¦n Cu sN-dn-b Xn-cp-¯-ep-IÄ am-{Xw sN-¿q sN-e-hmt¡-≠p-¶-Xn-s\ ]-än-bp-Å A-h-t_m[w \n-§Ä k-¼m-Zn-¡p-¶-Xv A-Ãm-sX F-§-s\ sN-e-h-gn-¡-Ww F-¶-Xn-s\ Ip-dn-¨v t_m-[-hm-·m-cm-I-Ww. A-Xv \n-§-fp-sS a-¡-sf-bpw sN-dp-¸w sXm«p ]Tn-¸n-¡-Ww. kv-Iq-fn t]m-Ip-¶p ]Tn-¡p-¶p tPm-en hm-§p-¶p k-¼m-Zn¡p-¶p F-¶v am-{X-a-Ãm-sX Hm-tcm cq-]bpw sN-e-hm-t¡-≠p-¶ co-Xn-I-sf Ipdn-¨p \-à [m-c-W-bp-≠m-I-Ww

C-¶-s¯ bp-h-Xzw G-ä-hpw thK- ¯ n A- I - s ¸- S p- ¶ H- c p {Sm- ] v B-Wv s{I-Un-äv ImÀ-Uv. i-cn-bm-b co-Xn-bn D-]-tbm-Kn-¡m³ A-dn-bmsX, h-cp-¶ h-cp-am-\w ap-gp-h³ s{IUn-äv ImÀ-Un-te-¡p t]m-Ip-¶ H-cp km-l-N-cyw H-gn-hm-¡p-I. s{I-Un-äv ImÀ-Up-IÄ I-¿n-ep-Å-t¸mÄ th≠-Xpw th-≠m-¯-Xpw hm-§n-¡q«m-\p-Å {]-h-W-X-tb-dpw. C-Xv I-S¯n Iq-Sp-X B-≠p-t]m-Im³ h-gn-sh-¡p-¶p. A-sÃ-¦n \m-sf H-cp Xn-cn-¨-Sn, A-Xm-b-Xv h-cp-am-\w \n-evI - p-¶X - p-t]m-ep-Å km-lN - c - yw h-cn-Ib - m-sW-In-ev ap-t¶m-«p t]m-Iphm-\p-Å _p-²n-ap-«v Xm-§m³ ]-äm¯-Xv B-bn-cn-¡pw. ti-jw am-{Xw C-¯c - w B-{K-l§ - Ä-¡v ]n-¶m-se t]m-hp-I. \m-Â-]-Xp-sIm-Ãw sIm-≠v k-¼m-Zn-¨X - v \m-ev Zn-hk - w sIm≠v [qÀ-¯-Sn-¨p ap-Sn-¡mw.

Xn-cn-a-dn-IÄ H-cp _m-¦n \n-¶pw tem¬ F-Sp¯p a-äp _m-¦n-ep-Å tem¬ A-S-¡p¶-Xv. C-Xv ]-en-i \n-c-¡v am-dp-¶-Xn-s\bpw Xn-cn-¨-S-bv-¡-en-s\-bpw am-{X-a-à sam-¯w [-\I - m-cy ¹m-\n-§n-s\-bpw Xmdp-am-dn-em-¡p-¶p. A-Xp-sIm-≠p F-Sp¯ tem¬ ap-gp-h-\m-bpw Xn-cn-¨-S-¨-Xn-

h-c-hv A-dn-bm-sX sN-e-hv 1000 cq-]-bm-Wv \n-§-fp-sS h-cp-am\w F-¦n A-Xn-sem-Xp-§p-¶ sN-ehv sN-¿-Ww. A-Ãm-sX H-cp tPm-en In«n-b D-S-s\ hn-e-Iq-Sn-b ImÀ-hm-§p-I sam-ss_ hm-§p-I F-¶-Xv H-gn-hm¡p-I. A-sÃ-¦n \n-§Ä-¡p k-¼m-Zn¡p-¶-Xn-sâ B-kzm-Z-\w \-ãv-S-s]-Spw. km-¼-¯n-I-am-bn Ip-d-¨p D-bÀ-¶-Xn-\p 30

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

\m-ev-]-Xp-sIm-Ãw sIm-@v k-¼m-Zn-¨-Xv \m-ev Zn-h-kw sIm-@v ap-Sn-¡m-\pw km-[n-¡pw!

H-cp km-ed- n sXm-«S- p-¯ km-ed- n h-sc A-Xm-b-Xv Cu H-cp am-kw i-¼-fw h-cn-I-bpw A-Sp-¯ am-kw i-¼-fw h-cp¶-h-sc N-hn-«n h-en-¨p sIm-≠p-t]m-hpI-bpw A-Sp-¯a - m-kw A-Xv Xp-Sc - p-Ib - pw sN-¿p-¶p. A-Xm-b-Xv i-¼-fw ap-XÂ i-¼-fw h-sc.

In-«p-¶ i-¼-fw Xn-I-bm-sX h-cp-¶-Xv h- c p- ¶ km- e - d n am- k - h - h m- k - \ w h-sc Xn-I-bv-¡m³ ]-äm-¯ km-l-Ncyw. am-km-Zyw i-¼-fw hm-§p-I-bpw h-¶ D-S-s\ X-s¶ I-gn-ª am-k-s¯ I-S-§Ä XoÀ-¡p-I, B-Uw-_-c h-k-XnIÄ-hm-§p-I Xp-S-§n-b H-cp A-h-Ø ho-≠pw am-km-h-km-\w I-Sw hm-t§≠p-¶ km-l-N-cyw H-gn-hm-¡p-I.

Ir-Xy-am-b ¹m-\n-Mv C-Ãm-¯-Xv h-c-hv sN-e-hv I-W-¡p-I-sf ]-änbp- Å Ir- X y- a m- b ¹m- \ n- M v th- W w. F-§-s\-bm-Wp \n-§-fn-te-¡v ]-Ww h- c p- ¶ - X v F- § - s \- b m- W p ]- W w \-ã-s¸-Sp-¶-Xv F-¶ Ir-Xy-am-b ¹m³ D-≠m-¡p-I.


sS-Iv-t\m-f-Pn

Technology

hym-P k-À-«n-^n-¡-äp-I-Ä X-S-bm-³ t»m-Iv-sN-bn-³ A-[n-jvTn-X \q-X-\ km-t¦-Xn-I-hn-Zy tI-c-f-¯n \-S-¸n h-cp-¶p hym-P kÀ-«n-^n-¡-äp-IÄ C-¶v h-f-sc hym-]-I-am-Wv. KÄ-^v tPm-en-IÄ-¡pw a-äp-am-Wv hym-P³ G-sd-bpw D-]-tbm-Kn-¡p-¶-Xv. C-t¸m-fp-Å kÀ-«n-^n-¡-äv sh-cn-^n-t¡-j³ \-S-]-Sn-IÄ D-tZym-KmÀ-°n-IÄ-¡v [-\-þk-a-b-\-ãw G-sd h-cp-¯n-h-bv-¡p-¶-XmWv. A-Xn-s\-Ãmw H-cp ]-cn-lm-c-am-Wv Cu \q-X-\ km-t¦-Xn-I-hn-Zy

k-

À-Æ-I-em-im-e-IÄ-¡pw K-thj-W Øm-]-\-§-Ä-¡pw X-eth-Z-\ kr-ãn-¡p-¶ hym-P k-À-«n-^n-¡äp-I-Ä X-S-bm³ tI-c-f t»m-Iv-sN-bn-³ A-¡m-Z-an (sI-_n-F) t»m-Iv-sN-bn-³ A-[n-jvTn-X k-À-«n-^n-t¡-j-\p Xp-S-¡an-«p. C-´y-bn-em-Zy-am-bm-Wv H-cp k-À¡m-À ]T-\-K-th-j-W Øm-]-\w Cu \q-X-\ km-t¦-Xn-I-hn-Zy-bn-eq-sS hymP-k-À-«n-^n-¡-äp-I-sf t\-cn-Sm-³ ]-cnlm-c-amÀ-Kw I-≠p-]n-Sn-¡p-¶-Xv. IypB-À-tIm-Un-\p ]p-d-sa bp-Wo-¡v ssSw Ìmw-]v, t»m-Iv \-¼À - F-¶n-h Xn-cn-¨d - n-

b- ap-{Z-I-fm-bn k-cv-«n-^n-¡-äp-I-fn- D-]-tbm-Kn-¡pw. hn-h-c-km-t¦-Xn-I-hnZy-bn-se G-ä-hpw \q-X-\-hpw A-´m-cm{ã X-e-¯n- Aw-Ko-Im-c-ap-Å-Xp-am-b Cu k-À-«n-^n-t¡-j-³ Xp-S-¡-sa-¶ \n-e-bn- sI-_n-F-bp-sS k-À-«n-^n-¡äp-I-fn-em-Wv D-]-tbm-Kn-¡p-¶-Xv. ]n-¶oSv hym-]-I-am-bn Cu km-t¦-Xn-I-hn-Zy a-äp Øm-]-\-§-Ä-¡p \-Â-Ipw. A-Xn\p-Å N-À-¨-I-Ä Xp-S-§n-¡-gn-ªp. tI- c - f k- À - ¡ m- À Øm- ] - \ - a m- b sF- s F- s F- S n- F w- s I- b p- s S Io- g nep-Å t»m-Iv-sN-bn-³ ]T-\- K-th-j-W Øm- ] - \ - a m- b sI- _ n- F kz- ´ - a m- b m- W v Cu kÀ«n-^n-t¡-j-³ hn-I-kn-¸ns¨-Sp-¯-Xv. {I-a-t¡-Sp-IÄ- ¡ v km- [ y- X - b n- à m- ¯ Cu km-t¦-Xn-I-hn-Zy D-]tbm- K n- ¡ p- ¶ k- À v - « n- ^ n¡-äp-I-Ä hym-P-am-bn \n À-an-¡m-t\m A-h-bn- Xncp-¯-ep-IÄ h-cp-¯m-t\m I- g n- b p- I - b n- à . hn- t Z- i ¯pw a-äpw sXm-gn-ev tX-Snbpw D-]c - n-]T-\¯ - n-\m-bpw

t]m-Ip-¶-h-cp-sS C-¯-cw k-cv-«n-^n-¡äp-I-Ä-¡v B-tKm-f-X-e-¯n- Aw-KoIm-c-ap-≠m-bn-cn-¡pw. Cu k-À-«n-^n¡-äp-I-Ä \-Â-Ip-¶ Øm-]-\-§-fp-sS hn-izm-ky-X h-À-²n-¡p-I-bpw sN-¿pw. sXm-gn-ep-S-a-I-Ä-¡pw Øm-]-\ tae-[n-Im-cn-I-Ä-¡pw a-äpw k-Àv-«n-^n-¡än- {]nâ v sN-bv-Xn-cn-¡p-¶ Iyp-B-ÀtIm-Uv kv-am-À-Sv t^m-Wv D-]-tbm-Kn-¨v kv-Im-³ sN-bv-Xv C-Xn-sâ B-[n-Im-cnI-X a-\-Ên-em-¡m-\m-Ipw. tem-I-s¯hn- s S- b m- s W- ¦n- e pw bp- W o- ¡ v ssSw Ìmw-]pw t»m-Iv \-¼-dpw D-]-tbm-Kn-¨v Xn-cn-¨-dn-bm-\pw km-[n-¡pw. A-tX-ka-bw D-tZym-Km-À-°n-I-fp-sS kz-Im-cy-X Im-¯p-kq-£n-¡m-\p-am-hpw. sI-_n-F-bn- k-À-«n-ss^-Uv t»mIv-sN-bn-³ A-tkm-kn-tb-äv t{]m-{Kmw A-Sp-¯n-sS ]q-À¯ - n-bm-¡n-b hm-cm-´y _m-¨n-\m-Wv B-Zy-am-bn C-¯-c-¯nep-Å k-À-«n-^n-¡-äp-I-Ä e-`y-am-¡n-bXv. sI-_n-F-bp-sS ap-³ _m-¨p-I-fn-se B-bn-cn-t¯m-fw D-tZym-Km-À-°n-IÄ¡pw Cu kÀ-«n-^n-¡-äp-I-fp-sS hn-X-cWw B-cw-`n-¨n-«p-≠v. sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

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kw-cw-`-I-ku-lr-Z

kw-Øm-\a- m-Im-s\m-cp-§n

tI-c-fw

190 sX-c-sª-Sp-¡-s¸-« \-K-c-§-sf A-Xn-sâ D-]-`m-K-§-fnepw {]m-tZ-in-I X-e-¯n-ep-Å-Xp-am-b \nÀ-Æ-l-W- hym-h-km-bn-I \n-b-{´-W-§-sf-bm-Wv Cu-kv Hm-^v Uq-bn-Mv _n-kn-\-Êv sIm-@v AÀ-°-am-¡p-¶-Xv

tem

-I _m-¦v {]-kn-²o-I-cn¨n- « p- Å H- c p kq- N n- I bm-Wv Cu-kv Hm-^v Uq-bn-Mv _n-kn-\kv(C.H.Un._n.). tem-I-s¯ hn-hn-[ cm-Py-§-fn-ep-S-\o-f-ap-Å _n-kn-\-kv sN-¿p-¶-Xn-se \n-b-{´-W-§-sf-¡pdn- ¨ p- Å Ir- X y- a m- b H- c p ]T- \ - a m- W v C-Xv. hy-Xy-kv-X A-f-hp-tIm-ep-I-fp-sS B-sI Xp-I-bm-Wv B cm-Py-¯nsâ Cu-kv Hm-^v Uq-bn-Mv _n-kn\-kv. 190 sX- c - s ª- S p- ¡ - s ¸- « \- K - c - § - s f A- X n- s â D- ] - ` m- K §-f n-epw {]m-t Z-i n- I X- e - ¯ nep-Å-Xp-am-b \nÀ-Æ-l-W- hym-hkm-bn-I \n-b-{´-W-§-sf-bm-Wv Cu kq- N n- I sIm- ≠ v AÀ- ° am-¡p-¶-Xv. C-t¸mÄ \-S-¸n-em¡n- s ¡m- ≠ n- c n- ¡ p- ¶ hym- h km- b n- I ]- ² - X n B- ` y- ´ - c , sN-dp-In-S C-S-¯-cw I-¼-\n-Isf D-äp t\m-¡n-s¡m-≠pw A-hcp- s S {]- h À- ¯ - \ ta- J - e - b n {]m-hÀ-¯n-I-am-t¡-≠ \n-b-{´W-§-sf A-f-¶p-sIm-≠p-am-Wv. A-Xm-b-Xv H-cp hy-h-km-bw XpS-§p-I, \nÀ-½m-W A-\p-a-Xn-Isf ssI-Im-cyw sN-¿p-I, sshZyp- X n e- ` y- a m- ¡ p- I , h- k v - X p c-Pn-ÌÀ sN-¿p-I, hm-bv-] e-`yam- ¡ p- I , sN- d p- I n- S \n- t £- ] I-sc kw-c-£n-¡p-I, \n-Ip-Xn A-S¡ - p-I, A-XnÀ-¯n-If - n hym]m- c w km- [ y- a m- ¡ p- I , I- c m- d pIÄ \- S - ¸ n- e m- ¡ p- I , h- © - \ ]-cn-l-cn-¡p-I Xp-S-§n-b-h-bn D-≠m-tb-¡m-hp-¶ k-¦nÀ-®-X-

32

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

I-sf A-S-bm-f-s¸-Sp-¯p-¶p. tem-I _m-¦n-sâ G-ä-hpw ]p-Xn-b Cu-kv Hm-^v Uq-bn-Mv _n-kn-\-kv {]-Imcw 190 cm-Py-§-fnÂ, C³-Uy 100-mw Øm\-¯m-Wv. C-Xp-am-bn _-Ô-s¸-«v 2015  C³-Uym K-h-s×â v H-¶pw c-≠pw aq-¶pw sk-Î-dp-I-fn D-S-\o-fw \n-t£]-§Ä hÀ-[n-¸n-¡m-\pw h-f-cm-\pw I-gn-

hp-Å H-cp A-Sn-Øm-\ L-S\ - cq-]w sImSp-¡m-\pw Xo-cp-am-\n-¨p. C-´y K-h-s×ân-sâ C³-U-kv-{Snb t]m-fn-kn B³-Uv s{]m-tam-j³ Un-¸mÀ-Sv-saâ v Du-¶Â sIm-Sp-¯-Xv e-fn-X-hpw \ym-b-hp-am-b \n-e-hn-ep-Å \n-b-a-¯n-\pw K-h¬-saân-s\ Iq-SpX Im- c y- £ - h pw ^- e - { ]- Z - h pw e- f nX-hpw D-]-tKm-à-ln-X-am-¡m\pw th-≠n hn-h-c km-t¦-Xn-I hn-Zy-sb ]-cn-N-b-s¸-Sp-¯p-I F-¶-Xpw B-bn-cp-¶p. kw-Øm\-§-sf Cu-kv Hm-^v Uq-bn-Mv _n- k n- \ - k v {]- I m- c w Øm- \ \nÀ-W-bw \-S-¯p-I-bpw k-a-b{I-a-am-bn sh-Sn-¸m-¡Â \-S-¯pI-bpw C-´y K-h-s×â v sN-bvXp h-cp-¶p. F-{X e-fn-X-am-bn H-cp hy-h-km-bw sI-«n-¸-Sp-¡p¶p, h- k v - X p c- P n- k v - t {S- j ³, sXm- g n- e m- f n- I - f p- s S A- \ p- h À¯-\w, A-Sn-Øm-\ ku-I-cy§-fp-sS e-`y-X, B-Zm-b \n-IpXn {]-iv-\-§Ä, ]-cn-tim-[-\m ]-cn-jv-Im-c-§-fpw hy-h-km-b¯n-se A-k-¦oÀ-W-X F-¶nh-bm-Wv H-cp kw-Øm-\-¯n-sâ Øm-\w \nÀ-®-bn-¡p-¶-Xn-se L-S-I-§Ä. 2017 -18 se Øm-\ \nÀ-®-b {]-Im-cw tI-c-f-¯nsâ Øm-\w 21 B-Wv. ap³- \ n- c - b n- e p- Å a- ä v kwØm- \ - § Ä- ¡ n- S - b n kwØm- \ - s ¯ Xp- e y- \ n- e - b n \nÀ-¯m-\m-bn ]-cn-jv-Im-c-§Ä sIm-≠p-hc - m³ tI-cf - kÀ-¡mÀ Xo-cp-am-\n-¡p-I-bpw kw-Øm-\-


_n-kn-\-Êv

Business

¯v _n-kn-\-Êv sN-¿p-¶-Xn-sâ hn-hn-[ h- i - § Ä sa- ¨ - s ¸- S p- ¯ p- ¶ - X n- \ m- b n {]- t Xy- I ta- J - e - I Ä Xn- c n- ¨ - d n- b p- I bpw sN-bv-Xp. {]-[m-\-am-bpw A-Xn-\mbn I-s≠-¯n-b ta-J-e-IÄ C-h-bm-Wv. i). c-Pn-kv-t{S-j³ ii). h-cp-am-\w iii).ap-\n-kn-¸m-en-än sI-«n-S \n-ba - § - Ä iv). ]-©m-b-¯p sI-«n-S \n-b-a-§Ä v). kÀ-tÆ, `q-an tc-J-IÄ e-fn-X-am-bn H-cp ]p-Xn-b hy-h-kmbw B-cw-`n-¡p-¶-Xn-\v a-äp kw-Øm-\§-fp-sS an-I-¨ co-Xn-IÄ kzo-I-cn-¡m\pw-Xo-cp-am-\n-¨p. kw-Øm-\-¯v _n-kn-\-Êv A-´co-£w F-fp-¸-am-¡p-¶-Xn-\v a-äv kwØm-\-§-fp-sS an-I-¨ co-Xn-IÄ kzo-Icn-¡m-\pw Xo-cp-am-\n-¨p.

]p-Xn-b kw-cw-`-I-À t\-cn-Sp-¶ X-S-Ê-§-Ä k-a-c-§-fp-sS-bpw l-À-¯m-ep-I-fpsS-bpw B-[n-Iyw, hn-hn-[ G-P-³-kn-I-

fn- \n-¶pw X-t±-i Øm-]-\-§-fn- \n-¶pw ]-cn-tim-[-\-I-Ä ]q-À-¯n-bm¡n c- P n- k v - t {S- j - ³ \- S - ¯ p- h m- \ p- Å Im-e-Xm-a-kw, aq-e-[-\-k-am-l-c-W-¯n\p-Å _p-²n-ap-«p-I-Ä, A-Sn-Øm-\ kuI-cy-§-fp-sS A-]-cym-]v-X-X, C-§-s\ ]-e-Im-c-W-§-Ä H-cp kw-cw-`w B-cw-`n¡m-³ B-{K-ln-¡p-¶ G-sXm-cm-fp-sSbpw ap-¶n- hn-e-§p-X-Sn-I-fm-bn \n-¡p-¶p. H-cp {]-h-À-¯-\w B-cw-`n-¡m-³ ]-e h-Ip-¸p-I-fn- \n-¶p-Å ]-cn-tim[-\-bpw A-\p-a-Xn ]-{X-§-fpw B-hiy-am-Wv F-¶-Xm-bn-cp-¶p \n-e-hn-ep≠m-bn-cp-¶ Øn-Xn. G-sX-¦n-epw H-cp h-Ip-¸n-Â-\n-¶p-Å \-S-]-Sn {I-a-§-Ä k-a-b-_-Ôn-X-am-bn ]q-À-¯o-I-cn-¨mÂ-t]m-epw a-äp h-Ip-¸p-I-fn- \n-¶p-ÅIm-eX - m-ak - w kw-cw-`s - ¯ ]q-ÀW - a - m-bn C-Ãm-Xm-¡m-³ X-s¶ ]-cym-]v-X-am-Wv. ]p-Xn-b hy-h-km-b-§-Ä Xp-S-§p-hm-³ A-\p-a-Xn \-Â-Ip-¶-Xn-\v tI-c-fw i-cmi-cn 214 Zn-h-k-§-sf-Sp-¡pw. C-´y-³ i-cm-i-cn 118 Zn-h-k-§-fm-Wv. ]p-Xp kwc-`I - À - ¡ - m-bn F-fp-¸¯ - n- tem-¬ kuI-cy-§-Ä e-`y-am-¡p-I F-¶ e-£y-

"\-½p-sS \m-Sn-sâ hn-I-k-\¯n-\v th-@n B-Im-hp-¶ co-Xn-bn-Â {i-an-¨p-sIm-@ncn-¡p-¶-h-cm-Wv F-Ãm-X-e¯n-ep-ap-Å hy-h-km-bn-I-Ä. C-Xv \m-Sn-sâ `m-K-am-sW¶pw \m-Sn-\p-th-@n-bm-Wv C-h-À {]-h-À-¯n-¡p-¶-sX¶p-ap-Å [m-c-W-tbm-sS B-h-iy-am-b ]n-´p-W-bpw k-l-I-c-W-hpw. F-Ãm X-e§-fn-Â-\n-¶pw D-@m-tI-@Xm-Wv. B-Zy-a-Xv k-aq-l-¯nÂ-\n-¶p-@m-I-Ww, ]n-s¶ k-À-¡m-À-X-e-¯n-Â F-Ãm D-tZym-K-Ø-cp-sS `m-K-¯p \n-¶pw D-@m-I-Ww." t¯m-sS ]-e Im-e-§-fn-Â tZ-io-b-hpw {]m-tZ-in-I-hp-am-b ]-e {]-h-À-¯-\-§fpw D-≠m-bn-«p-s≠-¦n-epw \n-_-Ô-\I-fn-se k-¦o-À-W-X-I-fpw \-S-]-Sn-{I-a§-Ä-¡p-Å Im-e-Xm-a-k-hpw Im-c-Ww A-h-bv-s¡m-¶pw D-t±-in-¨ e-£y-§-Ä \n-d-th-äm-³ km-[n-¨n-Ã F-¶-Xv H-cp bmYm-À-Yy-am-Wv.

Cu-kv Hm-^v Uq-bn-Mv _n-kn-\-kv tI-c-f ta- Â - ] - d - ª X- S - Ê - § - s f- Ã mw k-a-{K-am-bn hn-e-bn-cp-¯n an-I-¨ hyh-b-km-b ku-lr-Zm-´-co-£w kr-ãn¡m-\p-Å \n-Ý-b Zm-À-Vy-¯n-em-Wv tI-c-f-k-À-¡m-À. kw-Øm-\-¯ hy-hkm-bw Xp-S-§m-\p-Å F-Ãm \-S-]-Sn-{Ia-§-fpw Cu-kv Hm-^v Uq-bn-Mv _n-kn\- Ê v kw- c w- ` - ¯ n- e q- s S e- f n- X - h pw kp-K-a-hp-am-¡p-I-bm-Wv k-À-¡m-cn-sâ

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_n-kn-\-Êv e-£yw. \n-t£-]w t{]m-Õm-ln-¸n-¡p¶-Xn-\m-bn \n-e-hn-ez-¶ \n-b-aw tI-c-f C³-sh-Ìv-saâ v {]-tam-j-\v B-³-Uv s^-kn-en-tä-j-\v B-Îv A-\p-k-cn-¨v hy-h-km-bw Xp-S-§m-\p-Å A-t]-£ Hm-¬-sse-\m-bn \-Â-In ap-¸-Xv Zn-h-k¯n-\p-Ån- sse-sk-³-kv e-`n-¡pw. C-Xn-sâ `m-K-am-bn t\-c-s¯ \n-e-hnep-≠m-bn-cp-¶ G-gp \n-b-a-§-fn- t`-ZK-Xn h-cp-¯n. tI-c-f ]-©m-b-{¯m-Pv B-Îv – 1994 tI-c-f ap-\n-kn-¸m-en-än B-Îv – 1994 tI-c-f en-^v-Sv B-³-Uv F-kv-I-te-ä-À B-Îv – 2013 tI- c - f {Ku- ≠ v hm- « - À (I- t {≠mÄ B-³-Uv sd-Kp-te-j-³) B-Îv – 2002 tI- c - f sl- U v tem- U v h- À - t ¡- g v - k v B-Îv- 1978 tI-c-f tjm-]v-kv B-³-Uv sIm-taÀjy- F-Ìm-»n-jv-saâ v B-Îv – 1960 tI-c-f tÌ-äv knw-KÄ hn-³-tUm-¢n-bd-³-kv t_m-À-Uv-kv B-³-Uv C-³-U-kv{Sn-b- Su-¬-jn-]v G-cn-b sU-h-se]v-saâ v B-Îv – 1999 G- g p h- I p- ¸ p- I - Ä - ¡ v \-  - t I≠n- b n- c p- ¶ A- t ]- £ - I - Ä G- I o- I cn- ¨ m- W v Hm- ¬ - s se- \ v kw- h n- [ m- \ w X-bm-dm-¡n-bn-cn-¡p-¶-Xv. ap-¸-Xv Zn-h-k¯n-\p-Ån- sse-sk-³-kv e-`n-¨n-sæn- Hm-¬s - se-³ kw-hn-[m-\¯ - n-eq-sS K-h-s×â v Aw-Ko-Ir-X sse-k-³-kv Hm-t«m-ta-än-¡m-bn e-`n-¡pw. A-t]-£bn-  F- s ´- ¦ n- e pw A- ] m- I - X - t bm a- X n- b m- b tc- J - I - f p- s S A- ` m- h - t am D-s≠-¦n- D-S-³ kw-cw-`-I-sâ {i-²bn-Â-s]-Sp-¯-Ww F-¶pw \n-b-aw hyh-Ø sN-¿p-¶p. \n-e-hn- H-cp h-À-j-t¯-¡v ssek-³-kv \-Â-In-bn-cp-¶-Xv A-©p-h-À-jt¯-¡v F-¶m-bn D-b-À-¯p-I-bpw sNbv-Xp. G-I Pm-e-I-¯n-eq-sS \-Â-Ip-¶ A-\p-a-Xn F-Ãm h-Ip-¸p-I-Ä-¡pw _m-[I-am-Wv. l-cn-X-hn-`m-K-¯n-Â-s]-« C-cp]-¯n-A-©n- Ip-d-hv sXm-gn-em-fn-I-Ä tPm-en sN-¿p-¶ ^m-Îd - n-IÄ - ¡ - v, a-en-\oI-c-W-\n-b-{´-W t_m-À-Un-sâ A-\p-aXn-bpw ^m-Î-do-kv B-³-Uv t_m-bn-teÀ-kv h-Ip-¸n- \n-¶p-Å sse-k-³-kpw e- ` n- ¡ m- ³ kz- b w km- £ y- s ¸- S p- ¯ nbm- a-Xn-bm-Ipw. C-´y-bn- Cu-kv Hm-^v Uq-bn-Mv _n-kn-\-kn-\v th- ≠n am-{Xw C-¯-c-¯n-ep-Å H-cp \n-b-aw ]m- k m- ¡ n- b B- Z y kw- Ø m- \ - a m- W v tI- c - f w. k- a q- l - ¯ n- s â F- à m X- e §-sf-bpw sXm-Sp-¶ k-Xz--c-X-e kv-]À-in-bm-b H-cp hn-I-k-\-am-Wv tI-c-fw 34

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

Business e-£y-am-¡p-¶-Xv F-¶-Xm-Wv C-tX¡p-dn-¨v ap-Jy-a-{´n ]n-W-dm-bn hn-P-b\v ]-d-ªn-cn-¡p-¶-Xv. "hy-h-km-bw XpS-§p-¶-Xn-\p ap-³-]p-Å {]-bm-k-§-Ä C- Ã m- X m- ¡ p- I - b pw, hy- h - k m- b - § - Ä ¡p-Å A-\p-aX - n-IÄ - th-K¯ - n-em-¡p-Ibpw sN-¿p-I F-¶-Xm-Wv Cu-kv Hm-^v Uq-bn-Mv _n-kn-\-kn-sâ B-Zy L-«w. A-tXm-sSm-¸w tI-c-fw \n-t£-] kulr-Z kw-Øm-\-a-Ã F-¶-Xn-\v sX-fnhm-bn D-¶-bn-¡-s¸-Sp-¶ Im-c-W-§-fpw C-Ãm-bv-a sN-¿-Ww. t\m-¡p-Iq-en C-Ãm-

Xm-¡p-¶-Xp-Ä-s¸-sS-bp-Å Im-cy-§-Ä C-Xn-sâ `m-K-am-Wv.' km-¼-¯n-I h-fÀ-¨-tbm-sSm-¸w km-¼-¯n-I \o-Xn-bpw t£-a-hpw F-¶-Xm-Wv tI-c-f k-Àv-¡mcn-sâ \n-e-]m-Sv. tI-c-f-N-cn-{X-¯n-em-Zyam-bn-«m-Wv G-gp-\n-b-a-§-Ä H-cp-an-s¨-Sp¯v A-Xn- t`-Z-K-Xn sIm-≠v h-cp-¶-Xv. Cu-kv Hm-^v Uq-bn-Mv _n-kn-\-Êv tI-cf-bp-sS G-ä-hpw t]m-kn-äo-hm-bp-Å Nph-Sp-sh-¸v \n-b-a-k-` sF-Iy-I-Wv-tT-\ ]m-km-¡n-b Cu \n-b-aw X-s¶-bm-Wv. A-Sp-¯ ]-Sn F-¶-Xv \-S-]-Sn {I-a-§-Ä¡p th-≠n-bp-Å A-t]-£-I-Ä-¡p-Å ¹m-äv-t^mw ]q-À-W-am-bpw Un-Pn-ä-ssekv sN-¿p-I F-¶p-Å-Xm-Wv. ]-Xn-\mev h-Ip-¸p-I-Ä G-tIm-]n-¸n-¨p sIm-≠v H-cp s]m-Xp-hm-b Un-Pn-ä- A-t]-£mkw-hn-[m-\w C-Xn-\m-bn X-¿m-dm-¡-s¸«n-«p-≠v. D-tZym-K-Ø-cp-am-bn _-Ô-s¸-« C-S-]m-Sp-I-fpw Im-e-Xm-a-k-hpw C-ÃmXm-¡m-\pw C-Xv k-lm-b-I-am-hpw. Cukv Hm-^v Uq-bn-Mv _n-kn-\-kv ^-e-{]Z-am-bn \-S-¸m-¡m-\v D-tZym-K-Ø-À-¡v th-≠ km-t¦-Xn-I-am-À-K-\n-À-tZ-i-§fpw a-t\m-`m-h-§-Ä A-\p-Iq-e-am-¡m\p-Å ]-cn-io-e-\-§-fpw \-Â-Ip-I F-¶Xm-Wv C-Xn-sâ aq-¶mw-L-«w. D- t Zym- K - Ø - c n-  X- s ¶ ]- e - X - c ¡m-dp-s≠-¶pw A-h-sc-sb-Ãmw H-tc-at\m-`m-h-ap-Å-h-cm-¡n am-tä-≠-Xp-≠v F-¶-Xp-am-Wv k-À-¡m-cv \n-e-]m-Sv. 'IrXy- a m- b n Im- cy- § Ä sN- b v - Xp- s Im- S p¡p-¶-h-cpw a-\x-]q-À-Æw Im-e-Xm-a-kw h-cp-¯p-¶h - c - pw kz-Im-cy-em-`w e-£yw sh-¡p-¶-h-cpw A-h-cn-ep-≠v. A-h-sc F-Ãm-h-sc-bpw H-tc tk-h-\-{]-Xn-_²-X D-Å-h-cm-¡n-am-äp-I F-¶-Xm-Wv Cu ]-cn-io-e-\-§-Ä sIm-≠v e-£yw h-¡p-¶-Xv.

P-\-§-fp-sS I-S-a "\-½p-sS \m-Sn-sâ hn-I-k-\-¯n-\v th- ≠ n B- I m- h p- ¶ co- X n- b n- Â {i- a n¨p- s Im- ≠ n- c n- ¡ p- ¶ - h - c m- W v F- Ã m- X e- ¯ n- e p- a p- Å hy- h - k m- b n- I - Ä . C- Xv \m-Sn-sâ `m-K-am-sW-¶pw \m-Sn-\p-th≠n-bm-Wv C-hÀ {]-h-À-¯n-¡p-¶-sX¶p-ap-Å [m-c-W-tbm-sS B-h-iy-am-b ]n-´p-W-bpw k-l-I-c-W-hpw. F-Ãm X-e-§-fn-Â-\n-¶pw D-≠m-tI-≠-Xm-Wv. k- a q- l - ¯ n- Â - \ n- ¶ p- ≠ m- I - W w, k- À ¡m-À-X-e-¯n-Â F-Ãm D-tZym-K-Ø-cpsS `m-K-¯p \n-¶pw D-≠m-I-Ww.' Cukv Hm-^v Uq-bn-Mv _n-kn-\-kv kw-cw-`w A-Xn-sâ F-Ãm A-cv-°-¯n-epw ]q-À-® e-£yw t\-Sm-\m-bn tI-c-f k-À-¡m-À P-\-§-Ä-¡m-bn \-Â-Ip-¶ k-tµ-iw C-Xm-Wv.


I-¼-\n \n-b-aw

Company Law

D-tZym-Kv B-[m-dpw

MSME c-Pn-kv-t{S-j-s\ kw-_-Ôn-¨ Nn-e ]p-Xn-b

Im-cy-§Ä ]-cn-N-b-s¸-Smw

MSME

c-Pn-kv-t{S-j-\pw

F-

Ãm hym-]m-c C-X-c Øm-]-\-§-fpw Fw F-kv Fw C c-Pn-kv-t{S-j³ F-Sp-¡p-I. MSME F-¶Xnsâ ]qÀ-® cq-]w ssa-t{Im kv-amÄ ao-Un-bw FâÀss{]-k-kv F-¶m-Wv. Np-cp-¡-¯n sN-dp-In-S Øm-]\-§Ä tI-{µ kÀ-¡m-cnsâ Io-gn c-Pn-ÌÀ sN-¿p-I F-¶-Xm-Wv C-Xp-sIm-≠v AÀ-°-am-¡p-¶-Xv. C-t¸mÄ C-Xn-s\ D-tZym-Kv B-[mÀ F-¶pw ]-d-bpw. ]-≠v F-kv F-kv sF (SSI) F-¶v A-dn-b-s¸-«n-cp-¶ A-sX c-Pn-kvt{S-j³ X-s¶-bm-Wv C-t¸m-g-s¯ MSME A-Y-hm D-tZymKv B-[mÀ. msme.gov.in F-¶ sh-_v-ssk-än ku-P\y-am-bn c-Pn-ÌÀ sN-¿m-hp-¶-Xm-Wv. tI-h-e-sam-cp c-Pn-kv-t{S-j³ F-¶-Xn-ep-]-cn sN-dp-In-S ta-J-e-bn e-`y-am-Ip-¶ ]-e B-\p-Iq-ey-§-fpw e-`n-¡m³ Cu c-Pnkv-t{S-j³ k-lm-b-I-am-Ipw. Nn-e \n-b-a-]-cn-c-£-IÄ, k-_v-kn-Un-IÄ Xp-S-§n-b-h-bv-¡v MSME c-Pn-kv-t{S-j³ B-h-iy-am-Wv. Hm¬-sse-\n sc-Pn-kv-t{S-j³ F-Sp-¡m³ {i-an¡pt¼mÄ H-cp Im-cyw {i-²n-¡p-I. MSME c-Pn-kv-t{S-j³ F-Sp-¡p-¶-Xn-\v bm-sXm-cp ^o-kpw A-S-bv-t¡-≠-Xn-Ã. F-¶m \n-§Ä Kq-Kn-fn M S M E c-Pn-kv-t{S-j³ tkÀ-

ssh-Zyp-Xn-bp-sS _n-Ãn e-`n-¡p-¶ C-f-hv ap-X-em-b ]-e B-\p-Iq-ey-§-fpw C-Xn-eq-sS t\-Smw ¨v sN-bv-Xv F-Sp-¡p-t¼mÄ ]-e sh-_v-ssk-äp-I-fpw ImWmw. A-h-bn I-b-dn t^mw ^n-Ãv sN-bv-Xp I-gn-bpt¼mÄ 1500 ap-X 2000 cq-] h-sc km-[m-c-W-K-Xn-bn s]-bv-sa³-dv \-S-¯p-¶-Xn-\v hn³-tUm h-cp-¶-Xm-Wv. A-Xv ip-² X-«n-¸m-Wv. A-Xn-\m msme.gov.in F-¶ sh_v-ssk-än X-s¶ tem-Kn³ sN-bv-Xv c-Pn-kv-t{S-j³ F-Sp-¡p-I. a-äp X-«n-¸v sh-_v ssk-äp-IÄ \n-§-fp-sS ]-Ww X-«n-sb-Sp-¡p-¶p F-¶-Xv am-{X-am-Wv A-hÀ sN¿p-¶ G-I tk-h-\w. A-Xn-\m A-¯-cw Im-cy-§-fn h-©n-X-cm-Im-Xn-cn-¡p-hm³ {i-²n-¡p-I.

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\n-b-a-Pm-e-Iw

Revenue Law

F-´m-Wp t]m-¡p-h-c-hv ?

F-§-s\ ]qÀ-¯n-bm-¡mw? Ø-e-¯n-sâ t]m-¡p-h-c-hv \-S-¯p-I F-¶-Xv h-en-b X-e-th-Z-\ ]n-Sn-¨ H-cp Im-cy-am-bm-Wv am-[y-a-§-fn-eq-sS-bpw a-äpw ]-e-cpw a-\-kn-em-¡n sh-¨n-cn-¡p-¶-Xv. A-{X-bv-¡v `o-I-c-\m-tWm Cu t]m-¡p-h-c-hv \-S-]-Sn-{I-a-§Ä?

\mw

H- c p `q- a n hm- § n- b m A-Xm-bX - v c-Pn-kvt- {S-j³ I-gn-ªm-ep-S³ \-ap-¡v (B-[m-c-¯nsâ) t]m-¡p-h-c-hv tIm-¸n e-`n-bv-¡pw. A- X v _- Ô - s ¸- « hn- t Ã- P m- ^ o- k n \n-Ýn-X ^o-skm-Sp-¡n \Â-Ip-I. hn-tÃPm-^o-kÀ A-Xv ]-cn-tim-[n-¨v "A' ^mdw X-¿m-dm-¡n k-_v-Un-hn-j³ C-Ãm¯-Xm-sW-¦n hn-tÃ-Pn X-s¶-bpw, k-_v Un-hn-j³ D-Å-Xm-sW-¦n X-lknÂ-ZmÀ-¡v A-b-¨pw t]m-¡p-h-c-hv ]m -Êm-¡p-¶p. A-Xn-\p ti-jw h-kv-Xphm-§n-b B-fp-sS t]-cn X-≠ -t¸À ]n-Sn-¨v I-cw A-S-bv-¡p-¶p. Cu h-kv-Xp ap³-]v B-cp-sS X-≠-t¸-cn B-bn-cpt¶m A- X n \n- ¶ pw ]qÀ- ® - a m- t bm `m-Kn-I-am-tbm ]p-Xn-b D-S-a-Ø-sâ t]cn B-Ip-¶p. B-Zy-s¯ X-≠-t¸-cn \n-¶pw t]m-¡v h-cp-¯n ]p-Xn-b X-≠t¸-cn h-cp-¶p. C-Xm-Wv t]m-¡p-h-c-hv. F-¶m C-sXm-cp sN-dn-b Im-cya-Ã.., h-kv-Xp-hn-sâ kÀ-sÆ \-¼À, k-_v Un-hn-j³ \-¼À, `p-an-bp-sS X-cw F-¶n-

36

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

h-bpw hy-à-am-bn ]-cn-tim-[n-¨v c-≠nepw hy-Xym-k-sam-¶p-an-sÃ-¶p t_m[y- s ¸- S - W w. B- h - i y- a m- s W- ¦ n Ø-e-]-cn-tim-[-\ \-S-¯-Ww. F-Ãmw i- c n- b m- b hn- [ - ¯ n- e m- s W- ¦ n Ime-X m-a-k -an-à m- s X t]m- ¡ p- h - c- h v ]mÊm-¡p-¶-Xm-Wv. F-¶m \n-e-hn Hm¬-sse³ t]m-¡p-h-c-hv B-bn-«p-Å hn-tÃ-Pp-I-fn c-Pn-kv-{SmÀ Hm-^o-kn \n-¶pw t\-cn-«v hn-tÃ-Pm-^n-kn-te-¡v Hm¬-sse-\m-bn B-[m-cw A-b-bv-¡p¶p, Xp-SÀ-¶v Hm¬-sse-\m-bn t]m-¡ph-c-hv \-S-¯p-¶p. F-¶m C-sX-Ãmw ]p-Xn-b-Xm-bn c-Pn-ÌÀ sN-¿p-¶ H-cp h-kv-Xp-hn-sâ (B-[m-c-¯n-sâ) Im-cyw. ]-c-¼-cm-KX-am-bn kn-²n-¨-tXm, Ip-Spw-_ kzt¯m B-sW-¦n-tem? \- ½ Ä hÀ- j - § Ä- ¡ p ap³- ] v hm§n-b-h-kv-Xp A-sÃ-¦n [-\-\n-Ý-bw h-gn Ip-Spw-_ ho-Xw In-«n-b-tXm, Zm-\bm-[m-c-am-bn In-«n-b-tXm B-b B-[mcw \m-fn-Xp-h-sc t]m-¡p-h-c-hv sN-bv-Xn«n-Ãm-sb-¦n Sn h-kv-Xp t]m-¡p-h-c-hv

sN- ¿ p- ¶ - X n\v B A-[m-c¯n-sâ \m-fnXp-h-sc-bp-Å _m-[y-Xm kÀ- « n- ^ n- ¡ äpw ap³ h-kvXp-hn-sâ I-cw A- S - ¨ p c- k oXp k- l n- X w B- [ m- c - ¯ nsâ ]- I À- ¸ n- D-am-tZ-hn Fw. t\m-sSm-¸w dn-«. sd-h\yp H-^n-jyÂ, K-h. Hm-^v tIcf A-t]-£ k-aÀ-¸n-¡p-Ibpw, A-Ê B-[m-cw hn-tÃ-Pm-^o-ksd t\-cn Im-Wn-¨v t_m-[y-s¸-Sp-¯pI-bpw th-Ww.Sn h-kv-Xp t\-cn I-≠v t_m-[y-s¸-«n-«m-Wv hn-tÃ-Pm-^o-kÀ t]m-¡p-h-c-hv \-S-]-Sn-IÄ sN-¿p-I. ]-«-b-§Ä B-sW-¦n-epw e-`n-¨m D-S-s\ t]m-¡p-h-c-hv \-S-¯n-I-cw A-Sbv - ¡ - W w. H- c p Im- c - W - h - i m- e pw ]- « bw em-an-t\-äv sN-bv-Xp h-bv-{Ip-Xv. H-cn-


\n-b-a-Pm-e-Iw

Revenue Law

¡Â em-an-t\-äv sN-bv-Xm A-Xn \n-¶pw ]-g-b co-Xn-bn Xn-cn-sI F-Sp¡p-hm³ km-[n-¡n-Ã. Nn-e-X-cw D-Zm:emâ v ss{S-_yq-W ]-«-b-§-fn-epw a-äpw Nn-e-t¸mÄ kÀ-sÆ \-¼À, k-_v Un-hn-j³ \-¼À F-¶n-h-bn Xn-cp¯-h-cp-t¯-≠-Xm-bn h-t¶-¡mw. eman-t\-äv sN-bv-X ]-«-b-¯n A-Xp km[y- a m- I n- à ' A- X n- \ m \- à {Sm³- k v ]-c³-dm-b I-h-dn-em-¡n ]n³-sN-bv-Xp kq-£n-bv-¡p-I. ]-e-cpw {]-am-Ww-sN-bv-Xv I-gn-ªv hÀ- j - § Ä I- g n- ª v t]m- ¡ p- h - c - h v \-S-¯m³ hn-tÃ-Pn-se-¯p-¶p. A-Xp t]m-se ]-«-bw In-«n-bn-«v A-Xp ho-«nÂ

`-{Z-am-bn kq-£n-¨p h-bv-¡pw. Nn-eÀ eman-t\-äv sN-bv-Xp h-sc kq-£n-¡p-¶p. F-¶m C-Xv b-Ym-k-a-bw t]m-¡p-hc- h v \- S - ¯ p- ¶ n- à . A- X p hÀ- j - § Ä¡p ti-jw F-s´-¦n-epw A-Xym-h-iyw D-≠m-Ip-t¼mÄ t]m-¡p-h-c-hv \-S-¯m\m- b n hn- t Ã- P n F- ¯ p- ¶ p. A- § s\-sbm-cn-¡-epw sN-¿-cp-Xv. \-½p-sS ssI-¿n h-kv-Xp D-s≠-¶p ]-d-ªn-«v F-´p Im-cyw.t]m-¡p-h-c-hp \-S-¯n kz-´w t]-cn X-≠-t¸-cv ]n-Sn-¨v I-cw A-S-¨m am-{X-ta G-Xv B-h-iy-¯n\pw D-]t- bm-Kn-¡m-t\m, ho-≠pw F-s´¦n-epw {I-b-hn-{I-bw X-S-Ê-§-fn-Ãm-sX \-S-¯m-\pw km-[n-¡p.

C-{X-bpw ]-d-ª-Xv h-kv-Xp \-½psS kz-´w ap-X-em-Wv. \-ap-¡v b-tY-ãw ssI-Im-cyw sN-¿p-¶-Xn-\v A-h-Im-ihpw D-≠v. A-Xn-\m A-Xv t]m-¡p-h-chv \-S-¯n-I-cw A-S-¨pw. hÀ-jw tXm-dpw I-cw H-Sp-¡n-bpw kq-£n-bv-¡p-I. I-cw C-t¸mÄ Hm¬-sse-\n-epw A-S-bv-¡mhp-¶-Xm-Wv. A-Xn-\m-bn www.reuenue. kerala.gov.in F-¶ sh-_v-ssk-äv k-µÀ-

\-½p-sS ssI-¿n h-kvXp D-s@¶p ]-d-ªn-«v F-´p Im-cyw. t]m-¡ph-c-hp \-S-¯n kz-´w t]-cn X-@-t¸-cv ]n-Sn-¨v I-cw A-S-¨m am-{X-ta G-Xv B-h-iy-¯n-\pw D-]tbm-Kn-¡m-t\m, ho-@pw F-s´-¦n-epw {I-b-hn{I-bw X-S-Ê-§-fn-Ãm-sX \-S-¯m-t\m km-[n-¡q sk-]v-äw_À 2019 | Sm-Iv-kv tI-cf

37


\n-b-a-Pm-e-Iw

Revenue Law

in-¡p-I. C-\n h-kv-Xp hm-§p-¶ k-a-b-¯v {i-²n-t¡-≠ Nn-e Im-cy-§Ä H-¶p t\m-¡mw. F-´p-sIm-≠m-Wv `q-an hm-§p-¶Xn-\v ap³-]v H-dn-Pn-\ B-[m-cw Im-WWw/th-Ww F-¶v ]-d-bp-¶-Xv? B-[mcw F-´m-sW-¶v F-Ãm-hÀ-¡p-a-dn-bmw. A-Xn-sâ Ir-Xy-am-b ]-IÀ-¸v c-Pn-ÌÀ Hm- ^ o- k n kq- £ n- ¨ n- « p- ≠ v F- ¶ pw B-[m-cw \-ã-s¸-«p t]m-bn F-¶p-Å Im-c-Ww sIm-≠v h-kv-Xp \-ã-s¸-Sp-Ibn-à F-¶pw F-Ãm-hÀ-¡pw A-dn-bmw. F-¶n-cp-¶m-epw H-dn-Pn-\ B-[m-cw ssI-h-iw kq-£n-t¡-≠ D-¯-c-hm-ZnXzw F-Ãm-hÀ-¡p-ap-≠v. _m-¦nw-Kv \n-ba-{]-Im-cw D-≠m-bn-«p-Å H-cp {]-tXy-I \n-b-aw B-Wv C-§-s\-sbm-cp B-hiyw D-≠m-¡n-bn-cn-¡p-¶-Xv. tamÀ- S v - t K- P v A- Y - h m ]- W - b w sh-¡Â h-kv-Xp-hn-sâ Im-cy-¯n c-≠m-bn X-cw Xn-cn-¡mw. 1.

Equitable Mortgage (Em)

2.

Registered

Mortgage (RM) EM F - ¶ p - ] - d - ª m  _ m - ¦ p IÄ/t\m¬ _m-¦n-Mv ^n-\m³-kv Øm]-\-§Ä/t\m-«n-ss^ sN-bv-Xn-«p-Å [-\-Im-cy-Øm-]-\-§Ä C-h-bv-¡v H-dnPn-\ B-[m-cw ssI-h-iw h-¨p I-gnªm A-Xv registered mortgage (RM) \p Xp-ey-am-b ]-W-bw B-bn I-W-¡m¡mw. A-§-s\ sN-¿p-I h-gn kw-`-hn¡p-¶-Xv _m-¦p-IÄ A-Y-hm [-\-Imcy-Øm-]-\-§Ä kq-£n-¨n-«p-Å H-cp c-Pn-Ì-dn ]-W-bw h-¨n-cn-¡p-¶ h-kvXp- h n- s â B- [ m- c - ¯ n- s e- b pw A- \ p_- Ô tc- J - I - f p- s S- b pw \- ¼ - c p- I Ä tc- J - s ¸- S p- ¯ n- s h- ¡  am- { X- a m- W v . A- t Xm- s Sm- ¸ w H- d n- P n- \  B- [ m- c w _m-¦p-IÄ kq-£n-¡p-Ib - pw sN-¿W - w. G-sX-¦n-epw Im-c-W-h-im H-dn-Pn\ B-[m-cw _m-¦n \n-¶v ]p-d-¯p t]m-bm EM C-Ãm-Xm-Ip-¶-Xpw ]-Wbw A-km-[p-hm-Ip-¶-Xp-am-Wv. a-sä-§pw c-Pn-kvt- {S-j³ \-S¡ - m-¯Xn-\m A-Y-hm tc-J-s¸-Sp-¯-ep-IÄ C-Ãm-¯-Xn-\m _m-¦n ]-W-bw sh¨n-«v D-t≠m F-¶v A-dn-bm³ bm-sXm-cp \n-b-a-]-c-am-b tc-J-I-fpw C-¶v e-`y-a-Ã. h-kv-Xp-hn-sâ Cu-Sn-t·Â ]-Ww I- S w sIm- S p- ¡ p- ¶ skm- s sk- ä n- I Ä t]m-se-bp-Å Øm-]-\-§Ä-¡v c-Pn-kvt{S-Uv tamÀ-«-tK-Pv (RM) B-Wv \-S-¯p¶- X v . A- X v c- P n- k v - { SmÀ Hm- ^ o- k n tc-J-s¸-Sp-¯p-¶-Xn-\m ]-W-bw sh-

38

Sm-Iv-kv tI-cf | sk-]v-äw_À 2019

H-dn-Pn-\ B-[m-c-anÃm-¯ km-l-N-cy-§-fn A-Xn-sâ b-YmÀ-° Im-c-Ww ]qÀ-®-am-bpw ]-cn-tim-[n-¨p-d-¸n-¨-Xn-\p ti-jw am-{X-ta ap-t¶m«p-t]m-Im-hq ¨n-«p-t≠m F-¶v A-dn-bm³ amÀ-¤-§fp-≠v. EM D- t ≠m F- ¶ v A- d n- b m- ¯ - X nep-Å Ip-d-hv ]-cn-l-cn-¡p-hm³ G-IamÀ-¤w H-dn-Pn-\ B-[m-cw D-Sa - Ø s - â ssI- h - i - a p- t ≠m F- ¶ p ]- c n- t im- [ n¡p-I am-{X-am-Wv. H- d n- P n- \  B- [ m- c w G- s X- ¦ nepw km- l - N - c y- ¯ n \- ã - s ¸- « pt]m-bn F-¶v ]-d-ªv hn-iz-kn-¸n-¡p-I B-sW-¦n A-Xn-sâ a-d-hn A-Xv G-sX-¦n-epw _m-¦n ]-W-bw C-cn-¡pI-bm-tWm F-¶p ]-cn-tim-[n-¡m³ bmsXm-cp h-gn-bpw C-Ãm-¯-Xn-\m `q-an hm-§p-t¼mÄ H-dn-Pn-\ B-[m-cw t\cn-«v I-≠p t_m-[y-s¸-«n-cn-t¡-≠-XmWv. A-Ãm-¯-]-£w ]n-¶o-Sv G-sX-¦nepw _m-¦n ]-W-bw C-cn-¡p-I-bm-Wv F-¶v A-dn-bp-I-bm-sW-¦n h-kv-Xp-hnsâ D-Sa - Ø m-hI - m-iw h-kvX - p hm-§n-b

BÄ-¡v C-Ãm-Xm-Ip-¶-Xpw ]qÀ-®-ambpw B-[m-cw A-km-[p-hpw _m-¦n-\v ]qÀ- ® A- h - I m- i w h- k v - X p- h n- t ·Â D-≠m-bn-cn-¡p-¶-Xp-am-Wv. ]-IÀ-¸p-IÄ F-Sp-¡p-¶X - p-sIm-≠v H-¶pw Cu \n-ba - ¯n \n-¶pw c-£s - ¸-Sm³ XÂ-¡m-ew ]-cn-lm-c-an-Ã. C-§-s\ B-[m-cw \-ã-s¸-«p I-gnª-hÀ X-{´-]-c-am-bn H-cp B-[m-cw IqSn \-S¯ - n H-dn-Pn-\ B-[m-cw D-≠m-¡p¶-Xpw ]n-¶o-Sv, \-ã-s¸-«-Xv ap-¶m-[m-c am-sW-¶v hm-§p-¶ B-sf hn-iz-kn-¸n¡p-¶ H-cp co-Xn-bpw \-S-¶p-h-cp-¶p-≠v. A-Xn-\m H-dn-Pn-\ B-[m-c-an-Ãm-¯ km-l-N-cy-§-fn A-Xn-sâ b-YmÀ-° Im-c-Ww ]qÀ-®-am-bpw hn-iz-k-\o-bw B-¡n-b-Xn-\p ti-jw am-{X-ta C-¯-cw \o-¡p-t]m-¡p-IÄ \-S-¯m-hq. Un-Pnä C-´y ]qÀ-W-tXm-Xn F-¯p-¶tXm-Sp-Iq-Sn C-Xn-s\m-s¡ H-cp ]-cn-lmcw B-tb-¡mw. sk³-{S c-Pn-kv-{Sn A-Y-hm CERSAI F-¶ ]p-Xn-b kw-hn[m-\w ]qÀ-W-tXm-Xn F-¯p-t¼mtg-¡pw C-Xn-\v H-cp-]-t£ ]-cn-lm-cw B-tb-¡mw. C-¶-s¯ km-l-N-cy-¯n H-dn-Pn\ B-[m-cw A-sÃ-¦n ap-¶m-[m-cw \-ãs - ¸-« H-cp h-kvX - p _m-¦n ]-Wb - w h-bv-¡p-I H-cp ]-cn-[n-h-sc A-km-[y-amsW-¶v ]-d-bmw. Nn-e _m-¦p-IÄ-¡v 13 sIm-Ã-t¯-¡pw Nn-e _m-¦p-IÄ-¡v 30 sIm-Ã-t¯-¡pw ]n-t¶m-«p-Å H-dn-Pn\ B-[m-c-§Ä \nÀ-_-Ô-am-Wv. `q-an hm-§p-t¼mÄ A-Xn-t·-ep-Å eo-K H-¸o-\n-b³ ]-cn-N-b-k-¼-¶-\m-b H-cp A-`n-`m-j-I-\n \n-¶pw F-Sp-¡p-¶-Xv h-f-sc \-¶m-bn-cn-¡pw.


Tax Kerala Vol 01 Issue 03

RNI Registration Number: KERBIL/2019/77092

Printed by Shri. Vipin Kumar K P, Door No:41/3940 C2 ,Lilgy Estate, Old Railway Station Road, Ernakulam-18. Published by: Shri. Vipin Kumar K P, on behalf of Vipin Kumar K P & Printed at Thulika Offset Printers, Kacheripady, Ernakulam -18 and Published from: Door No:41/3940 C2,Lilgy Estate, Old Railway Station Road, Ernakulam-18. Editor: Shri. Vipin Kumar K P.

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Tax Kerala September 2019  

TaxKerala, Kerala's Malayalam business magazine, was launched in 2016 and is the No.1 business and investment magazine. Today, TaxKerala cov...

Tax Kerala September 2019  

TaxKerala, Kerala's Malayalam business magazine, was launched in 2016 and is the No.1 business and investment magazine. Today, TaxKerala cov...

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