8
JéS> Pon 1 E{àb-‘o 2014 (OZVm ghH$mar ~±H$ {b., nwUo Ûmam àH$m{eV J¥hn{ÌH$m : Ho$di ImOJr {dVaUmgmR>r) AÜ`jm§Mo boIUrVyZ, Jw T>rnmS>ì¶mÀ¶m ew^ ‘whÿVm©da ZdrZ Am{W©H$ dfm©bm gwê$dmV Pmbr Amho. ZwH$˶mM g§nÞ Pmboë¶m Am{W©H$ dfm©V H$m‘{Jar CËH¥$ð> Amho. {deof ‘hÎdmMr ~m~ åhUOo Amnë¶m ~±Ho$Zo Xhm hOma H$moQ>r én¶mMm ì¶dgm¶ {dñVmamMm Q>ßnm nma Ho$bobm Amho. hr CnbãYr ~±Ho$V H$m¶©aV gd© H$‘©Mmè¶m§À¶m g§K{Q>V à¶ËZm§Mr ’$blwVr Amho. ‘r ~±Ho$À¶m gd© H$‘©Mmè¶m§Mo A{^Z§XZ H$aVmo. ZdrZ Am{W©H$ df© ZdrZ AmìhmZm§Zm gmo~V KoD$Z Ambo Amho. Mmby dfu ì¶dgm¶mÀ¶m g§»¶mË‘H$ dmT>r~amo~a JwUmË‘H$ dmT>rgmR>r à¶ËZ H$aUo A{YH$ JaOoMo Amho. H$mgm R>odrV à^mdr dmT> H$ê$Z Z’$m d¥Õr Amnbr àmW{‘H$Vm Amho. emIm§Mr aMZm, ‘m§S>Ur, J«mhH$ dJ© ¶m§Mm Aä¶mg H$ê$Z emIm§Zr ‘w»¶ H$m¶m©b¶mg H$mgm d¥ÕrgmR>r Cnm¶ ¶moOZm gwMdmì¶mV. H$Om©Mm {dñVma doJmZo hmoVmo Amho. H$Om©Mm XOm© amIʶmgmR>r A{YH$ à^mdr {Z¶§ÌU Amdí¶H$ Amho. H$m¢Q>ada godm XoUmè¶m H$‘©Mmè¶mV Zì¶mZo ^aVr Ho$boë¶m H$‘©Mmè¶m§Mo à‘mU dmT>Vo Amho. J«mhH$, J«mhH$ godm ¶m {df¶r Cn¶wº$ ‘mJ©Xe©Z gyMZm emIoV H$m¶©aV d[að> H$‘©Mmè¶m§Zr ZdrZ H$‘©Mmè¶m§Zm Úmì¶mV OoUoH$ê$Z Amnë¶m J«mhH$ godoMm ñVa amIbm OmB©b. Ho$.dm¶.gr., EE‘Eb, grAmaAoAma ¶m {df¶r ^maVr¶ [aPìh© ~±Ho$À¶m ‘mJ©Xe©H$ gyMZm§Mo nmbZ AmnUmg Jm§^r¶m©Zo H$aUo JaOoMo Amho. ˶mgmR>r Amnbr ì¶dñWm, H$m¶©nÕVr VgoM {Z¶§ÌU XoIrb à^mdr H$amdo bmJob. emIm§Zm H|$ÐñWmZr KoD$Z {Z¶moOZ Ho$ë¶mg ho ghO e³¶ hmoB©b. Amnë¶m gdmªZm ew^oÀN>m! { r ± { o JéS> Pon J J J J J J J J Jé é é é éS S S S S> P P P P P P P P P P P n n n n n n www.janatabankpune.com Amnë`m gdmªÀ`m ghH$m`m©Zo, Amnë`m ~±Ho$Zo {X. 31 _mM© 2014 AIoa ì`dgm`mMm EH$ _hÎdmMm Q>ßnm nyU© Ho$bm Amho. 31 _mM© 2014 AIoa Amnë`m ~±Ho$À`m R>odr ê$. 6119.86 H$moQ>r d ~±Ho$Mr H$O} é. 4133.34 H$moQ>r Pmbr, Á`m_wio EHy$U ì`dgm`mMm Q>ßnm é. 10,000 H$moQ>tMm nyU© Pmbm Amho. gd© H$_©Mmar, ImVoXma, g^mgX Am{U g§MmbH$ _§S>imZo Ho$boë`m `m ^ard H$m_{Jar~Ôb gdmªMo A{^Z§XZ! ì`dgm`mMr Jê$S> Pon! é.10,000 H$moQ>tMm ì`dgm`mMm Q>ßnm nyU©! ghH$ma ^maVr à{ejU g§ñWoÀ¶m XeH$nyVu g‘ma§^mV Amnë¶m ~±Ho$Mm {deof Jm¡ad H$aʶmV Ambm 2013-14 : Mr Amnbr H$m_{Jar R>odr 6119.86 H$moQ>r H$O© 4133.34 H$moQ>r EHy$U ì¶dgm¶ 10253.20 H$moQ>r ^mJ ^m§S>db 123.43 H$moQ>r à{VgodH$ ì¶dgm¶ 12.64 H$moQ>r Z’$m 58.52 H$moQ>r godH$ g§»¶m 811 {g¸$s‘Mo amÁ¶nmb ‘m. lr. lr{Zdmg nmQ>rb ¶m§À¶m hñVo gÝ‘mZ pñdH$maVmZm ‘m. lr. IiXH$agmho~. gmo~V Cnmܶj lr. g§O¶ bobo d grB©Amo lr. dg§V Hw$bH$Uu.

Garudzep issue May 2014 - Janata Sahakari Bank Ltd., Pune

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Page 1: Garudzep issue May 2014 - Janata Sahakari Bank Ltd., Pune

JéS> Pon

1

E{àb-‘o 2014 (OZVm ghH$mar ~±H$ {b., nwUo Ûmam àH$m{eV J¥hn{ÌH$m : Ho$di ImOJr {dVaUmgmR>r)

AÜ`jm§Mo boIUrVyZ,

JwT>rnmS>ì¶mÀ¶m ew^ ‘whÿVm©da ZdrZ Am{W©H$ dfm©bm gwê$dmV Pmbr Amho. ZwH$˶mM g§nÞ

Pmboë¶m Am{W©H$ dfm©V H$m‘{Jar CËH¥$ð> Amho. {deof ‘hÎdmMr ~m~ åhUOo Amnë¶m ~±Ho$Zo Xhm hOma H$moQ>r én¶mMm ì¶dgm¶ {dñVmamMm Q>ßnm nma Ho$bobm Amho.hr CnbãYr ~±Ho$V H$m¶©aV gd© H$‘©Mmè¶m§À¶m g§K{Q>V à¶ËZm§Mr ’$blwVr Amho. ‘r ~±Ho$À¶m gd© H$‘©Mmè¶m§Mo A{^Z§XZ H$aVmo. ZdrZ Am{W©H$ df© ZdrZ AmìhmZm§Zm gmo~V KoD$Z Ambo Amhoo. Mmby dfu ì¶dgm¶mÀ¶m g§»¶mË‘H$ dmT>r~amo~a JwUmË‘H$ dmT>rgmR>r à¶ËZ H$aUo A{YH$ JaOoMo Amho. H$mgm R>odrV à^mdr dmT> H$ê$Z Z’$m d¥Õr Amnbr àmW{‘H$Vm Amho. emIm§Mr aMZm, ‘m§S>Ur, J«mhH$ dJ© ¶m§Mm Aä¶mg H$ê$Z emIm§Zr ‘w»¶ H$m¶m©b¶mg H$mgm d¥ÕrgmR>r Cnm¶ ¶moOZm gwMdmì¶mV.H$Om©Mm {dñVma doJmZo hmoVmo Amho. H$Om©Mm XOm© amIʶmgmR>r A{YH$ à^mdr {Z¶§ÌU Amdí¶H$ Amho. H$m¢Q>ada godm XoUmè¶m H$‘©Mmè¶mV Zì¶mZo ^aVr Ho$boë¶m H$‘©Mmè¶m§Mo à‘mU dmT>Vo Amho. J«mhH$, J«mhH$ godm ¶m {df¶r Cn¶wº$ ‘mJ©Xe©Z gyMZm emIoV H$m¶©aV d[að> H$‘©Mmè¶m§Zr ZdrZ H$‘©Mmè¶m§Zm Úmì¶mV OoUoH$ê$Z Amnë¶m J«mhH$ godoMm ñVa amIbm OmB©b.Ho$.dm¶.gr., EE‘Eb, grAmaAoAma ¶m {df¶r ^maVr¶ [aPìh© ~±Ho$À¶m ‘mJ©Xe©H$ gyMZm§Mo nmbZ AmnUmg Jm§^r¶m©Zo H$aUo JaOoMo Amho. ˶mgmR>r Amnbr ì¶dñWm, H$m¶©nÕVr VgoM {Z¶§ÌU XoIrb à^mdr H$amdo bmJob. emIm§Zm H|$ÐñWmZr KoD$Z {Z¶moOZ Ho$ë¶mg ho ghO e³¶ hmoB©b.

Amnë¶m gdmªZm ew^oÀN>m!

oo

{ o r ± { o

JéS> Pon

JJJJJJJJJéééééSSSSS> PPPPPPPPPPPonnnnnn

www.janatabankpune.com

Amnë`m gdmªÀ`m ghH$m`m©Zo, Amnë`m ~±Ho$Zo {X. 31 _mM© 2014 AIoa ì`dgm`mMm EH$ _hÎdmMm Q>ßnm nyU© Ho$bm Amho. 31 _mM© 2014 AIoa Amnë`m

~±Ho$À`m R>odr ê$. 6119.86 H$moQ>rd

~±Ho$Mr H$O} é. 4133.34 H$moQ>rPmbr, Á`m_wio EHy$U ì`dgm`mMm Q>ßnm é. 10,000 H$moQ>tMmnyU© Pmbm Amho.gd© H$_©Mmar, ImVoXma, g^mgX Am{U g§MmbH$ _§S>imZo Ho$boë`m `m

^ard H$m_{Jar~Ôb gdmªMo A{^Z§XZ!

ì`dgm`mMr Jê$S> Pon!é.10,000 H$moQ>tMm ì`dgm`mMm Q>ßnm nyU©!

ghH$ma ^maVr à{ejU g§ñWoÀ¶m XeH$nyVu g‘ma§^mV Amnë¶m ~±Ho$Mm {deof Jm¡ad H$aʶmV Ambm

2013-14 : Mr Amnbr H$m_{Jar R>odr 6119.86 H$moQ>r

H$O© 4133.34 H$moQ>r

EHy$U ì¶dgm¶ 10253.20 H$moQ>r

^mJ ^m§S>db 123.43 H$moQ>r

à{VgodH$ ì¶dgm¶ 12.64 H$moQ>r

Z’$m 58.52 H$moQ>r

godH$ g§»¶m 811

{g¸$s‘Mo amÁ¶nmb ‘m. lr. lr{Zdmg nmQ>rb ¶m§À¶m hñVo gÝ‘mZ pñdH$maVmZm ‘m. lr. IiXH$agmho~. gmo~V Cnmܶj lr. g§O¶ bobo d grB©Amo lr. dg§V Hw$bH$Uu.

Page 2: Garudzep issue May 2014 - Janata Sahakari Bank Ltd., Pune

OZVm ghH$mar ~±H$ {b., nwUo

2

lr. AmewVmof Sw>§~ao ¶m§Zm {edZoar ^yfU nwañH$ma d S>m°. ‘Zmoha S>moio

¶m§Zm {S>. brQ> nXdr àXmZ

Reserve Bank Governor Mr. Raghuram Rajan on 03.06.2014, while presenting second Bimonthly Review of Monetary Policy reduced SLR by 50 basis points for Banks from23.00% to 22.50%. There is no change in other rates. All Banks in India will now have an uniform CRR of 4% and SLR 22.50%. The economists call it as a balancing act of the Governor. Reserve Bank of India the regulator of the Indian Economy and Supervisory head of the banks in India has the responsibility to make the funds available to vital components of the economy i.e. industries and agricultural sector to ensure development. Reserve Bank also has the responsibility to control infl ation. Monitoring of infl ation and development is done by Reserve Bank of India with the help of its monetary tools, CRR, SLR, Repo and Reverse Repo.

Impact of changein CRR and SLR –

Increase in CRR and SLR will result in reduction in lendable resources of banks, thus restricting supply of money in the market. Reduction in money supply will reduce demand and bring down the prices. Decrease in CRR and SLR will have the reverse effect.Impact of changein Repo and Reverse Repo –

In simple terms, repo rate is the rate of interest on loans sanctioned by Reserve Bank of India to the Commercial Banks and Reverse Repo the rate of interest on deposits of Commercial Banks with Reserve Bank. Increase in repo rates will increase the interest on loans borrowed by Commercial Banks. This will result in increase of interest rates of loans by Commercial banks to public. Increase in interest rates will reduce the credit expansion of commercial

banks and ultimately reducing supply of money in the market.

The present rate of infl ation is as high as 8.30% and needs corrections to bring it down to less than 5%. Present G.D.P. is as low as 4.4% and also needs an immediate correction to lift it more than 5%.

There is change in the Government at the center. The new government is aggressive towards the growth and development. Mr. Rajan has presented his fi rst Monetary review to the new government. The development activity is in full swing in the Country which needs strong fi nancial support. Mr. Rajan released Rs.35,000 crores to banks making 0.50% correction in the S.L.R. There is gradual reduction in S.L.R. From 34% in 1994 to 22.50% in 2014. It may be looked as a step towards abolition of directed investments unlike international practices.

���

Bimonthly Review of Monetary Policy

Amnë¶m OwÞa emIoVrb ImVoXma lr. AmewVmof H$ma^mar Sw>§~ao ¶m§Zm ¶m dfuMm {edZoar ^yfU nwañH$ma àXmZ H$aʶmV Ambm Amho. Vo emIoMo 20 dfm©nmgyZ ImVoXma AmhoV. lr. Sw>§~ao ¶m§Zm ‘m. ‘w»¶‘§Ìr ¶m§Mo hñVo {X. 19/2/14 amoOr ¶m nwañH$mamZo Jm¡a{dʶmV Ambo. VgoM AmUIr EH$ gÝ‘mZZr¶ ImVoXma S>m°. ‘Zmoha H¥$îU S>moio (am. Zmam¶UJm§d) ¶m§Zm nwUo ¶oWrb {Q>.‘.{dÚmnrR>mZo {S>.brQ>, nXdr Omhra Ho$br Amho. S>m°. S>moio ~±Ho$Mo g^mgX AmhoV d am ñd. g§KmMo OwÞa VmbwH$m ‘mOr g§KMmbH$ AmhoV d à{gÕ ZoÌVk AmhoV {X.15/2/14 amoOr nwUo ¶oWoM {Q>.‘.{dÚmnrR>mV S>m°. S>moio ¶m§Zm nXdr àXmZ H$m¶©H«$‘ g§nÞ Pmbm Amho. d[ab XmoÝhr J«mhH$m§Mm ~±Ho$er K[Zð> g§~§Y Amho. XmoÝhr ImVoXmam§Mo emIoV’}$ A{^Z§XZ!

Anydm© Am’$ioMo ñn¥hUr¶ ¶eAmnë¶m ghH$maZJa, nwUo emIoVrb A{YH$mar lr. JOmZZ

gXm{ed Am’$io ¶m§Mr H$ݶm Hw$. Anydm© JOmZZ Am’$io {hZo d¡ÚH$s¶ joÌmV CÎmw§J H$m‘{Jar Ho$br Amho. {VZo MBBS narjoV 73% JwU {‘idyZ B.J.Medical College $‘ܶo V¥Vr¶ H«$‘m§H$ {‘idbm. ~±Ho$V’}$ Anydm© d {VÀ¶m nmbH$m§Mo hm{X©H$ A{^Z§XZ!!

lr g{MZ IoS>oH$a A{^{ZV "AmOMm {Xdg ‘mPm' {MÌnQ>mbm gdm}Îm‘ ‘amR>r {MÌnQ>mMm

amï´>r¶ nwañH$ma OmhraAmnë¶m {dbonmb} emIoVrb ~MV R>od ImVoXma d

gwà{gÕ A{^ZoVo lr. g{MZ lrH$m§V IoS>oH$a ¶m§Zr A{^Z¶ Ho$bobm d ‘w»¶ ^y{‘H$m Agbobm ‘amR>r {MÌnQ> ""AmOMm {Xdg ‘mPm'' ¶mbm ¶§XmMm gdm}Îm‘ ‘amR>r {MÌnQ>mMm amï´>r¶ nwañH$mamZo gÝ‘m{ZV H$aʶmV Ambo Amho, A{^ZoVo lr. g{MZ IoS>oH$am§Mo Amnë¶m ~±Ho$er Iyn OwZo ñZoh~§Y AmhoV. AmnUm gdmªV’}$ ˶m§Mo hm{X©H$ A{^Z§XZ!

Page 3: Garudzep issue May 2014 - Janata Sahakari Bank Ltd., Pune

JéS> Pon

3

H$moëhmnya emIoÀ¶m dVrZo "BÀN>mnÌ' {df¶mdaÁ¶oð> ZmJ[aH$ ‘oimdm g§nÞ

H$moëhmnya emIoZo Á¶oð> ZmJ[aH$ ‘oimdm Am¶mo{OV Ho$bm hmoVm. ¶mdoir A°S>. {eamiH$a ¶m§Zr Á¶oð> ZmJ[aH$m§Zm BÀN>m nÌ ¶m {df¶mda ‘mJ©Xe©Z Ho$bo. ‘oimì¶mMr gwê$dmV emIm ì¶dñWmnH$ lr. àgÞ åhmH$doH$a ¶m§À¶m àmñVm{dH$mZo Pmbr. ~±Ho$Mo Cn‘hmì¶dñWmnH$ lr. lram‘ AmnQ>o ¶m§Zr ~±Ho$À¶m {d{dY ¶moOZm§Mr ‘m{hVr {Xbr. à‘wI dºo$ A°S>. a{d {eamiH$a ¶m§Mm ~±Ho$Mo g§MmbH$ lr. gwZrb ‘wVm{bH$ ¶m§Mo hñVo emb d lr’$i XoD$Z gËH$ma H$aUoV Ambm.

A°S>. adr {eamiH$a BÀN>mnÌmMo ‘hÎd gm§JVmZm åhUmbo, BÀN>mnÌ ho H$moU˶mhr Z‘wݶmV H$aVm ¶oVo, ˶mbm XmoZ gmjrXma Amdí¶H$ AgVmV. Amnbr ñd‘mbH$sMr g§nÎmr hr BÀN>m nÌmÛmao XoVm ¶oVo. BÀN>mnÌmbm H$moUVrhr ñQ>°ån S>çwQ>r Zmhr VgoM Zm|XUrMr JaO Zmhr ’$º$ Amnbr ‘mZ{gH$ d emar[aH$ pñWVr gwÑT> AgUo Amdí¶H$ Amho. Á¶mdoir

AmnU BÀN>mnÌ H$ê$ ˶m{Xder e³¶Vmo d¡ÚH$s¶ VnmgUr H$ê$Z Vgm XmIbm BÀN>mnÌm~amo~a OmoS>mdm. BÀN>mnÌmMr A§‘b~OmdUr H$aUogmR>r AmnU ì¶dñWmnH$ (EXECUTOR) Zo‘y eH$Vmo Ago H$m¶ÚmVrb {d{dY n¡by Amnë¶m gmo߶m d AmoKd˶m ^mfUmV A°S>. a{d {eamiH$a ¶m§Zr ‘m§S>bo.

¶mZ§Va Á¶oð> ZmJ[aH$m§er àýmoÎmao ñdê$nmV MMm© Pmbr. ~±Ho$Mo g§MmbH$ lr. gwZrb ‘wVm{bH$ ¶m§Zr ‘ZmoJV 춺$ Ho$bo Am{U BÀN>mnÌmg§X^m©Vrb Ep³P³¶wQ>a d Q´>ñQ>r hm {d^mJ OZVm ~±Ho$V Jobr AZoH$ df} ñdV§Ì d gj‘nUo H$m¶©aV AgboMr ‘m{hVr {Xbr. H$m¶©H«$‘mMo gyÌg§MmbZ d Am^maàXe©Z lr. C‘oe CXJmdH$a ¶m§Zr Ho$bo. lr. {dO¶ nwOmar ¶m§Mo ngm¶XmZmZo H$m¶©H«$‘mMr gm§JVm Pmbr. ¶m H$m¶©H«$‘mV Á¶oð> ZmJ[aH$ g§KmMo nXm{YH$mar, gXñ¶ VgoM emIoMo ‘mݶda ImVoXma, ZmJ[aH$ ‘moR>çm g§»¶oZo CnpñWV hmoVo.

S>m°. AnUm© Xoe_wI `m§Zmg_mOgodo~ÔbMm

"_Xa Voaogm EŠgb§Ýg A°dm°S>©'nwañH$ma àXmZ

Amnë`m H$d}ZJa emIoVrb ImVoXma S>m°. AnUm© Xoe_wI `m§Zm Ë`m§À`m g_mOgodo~Ôb ~|JiyaÀ`m People Foundation V\}$ "_Xa Voaogm EŠgb§Ýg A°dm°S>©' hm nwañH$ma àXmZ H$aÊ`mV Ambm. S>m°. AnUm© Xoe_wI `m _yiÀ`m OiJmdÀ`m! Cƒ {ejUm{Z{_Îm nwÊ`mV Amë`m.

nwʶmV Ë`m§Zr d¥Õm§gmR>r nmofH$ dmVmdaU Agob Aer VrZ _Obr B_maV ^mS>oVÎdmda KoVbr d d¥Õml_ gwê$ Ho$bm. Joë`m VrZ dfm©V gw_mao VrZeo d¥Õm§Zr "Am^mi_m`m' AZw^dbr Amho, Va gÜ`m 30 OU BW§ dmñVì`mg AmhoV.

Amnë¶m ’$½¶w©gZ amoS> emIoVrb godH$ g§^mOr T>mdao ¶m§Mr H$ݶm Apñ‘Vm T>mdao {hbm; nwʶmV Pmboë¶m d[að> JQ> amÁ¶ ‘¡XmZr ñnY}V ‘{hbm§À¶m bm§~ CS>r‘ܶo am¡ß¶nXH$ àmá Pmbo. Apñ‘VmMo ~±Ho$V’}$ hm{X©H$ A{^Z§XZ!

d[að>> JQ> amÁ¶ ‘¡XmZr ñnY}VApñ‘Vm T>mdaobm am¡ß¶ nXH$ àmá

MVwa§J à{Vð>mZ nwañH¥$Vgdm}Îm‘ {dÚmWu "JmoS>~mobo nwañH$ma'

Amnë¶m Xodê$I emIoVrbgodH$ lr. g§Xrn {gVmam‘ JmZy ¶m§Mo gwnwÌ {M. emXy©b g§Xrn JmZy ¶mg gdm}Îm‘ {dÚmWu åhUyZ gZ 2013-14 Mm "JmoS>~mobo nwañH$ma' àmá Pmbm Amho. hm nwañH$ma MVwa§J à{Vð>mZ ¶m g§ñWoZo nwañH¥$V Ho$bm Amho. H$moH$U emim§Vrb JwUdmZ {dÚm϶mªMm emoY KoD$Z ˶m§Mm gÝ‘mZ ¶m nwañH$mamÛmao H$aʶmV ¶oVmo.

emXÿ©bbm Jm¶Z-dmMZ Am{U H$sV©ZmMm N>§X Amho. emioÀ¶m hm°H$s d ’w$Q>~m°b gm‘ݶm§‘YyZhr àW‘ ¶oUmè¶m emXÿ©b g‘moa ñdm. {d.Xm.gmdaH$a ¶m§Mm AmXe© Amho.

nwañH$mamWu : emXy©b g§Xrn JmZy

Page 4: Garudzep issue May 2014 - Janata Sahakari Bank Ltd., Pune

OZVm ghH$mar ~±H$ {b., nwUo

4

nwUo : H$V©ì¶ ’$mD§$S>oeZ Am¶mo{OV Am§Va~±H$ {H«$Ho$Q>ñnY}V Amnë¶m ~±Ho$Zo ¶w{Z¶Z ~±H$ Am°’$ B§{S>¶mda ghO {dO¶ {‘idbm.

{dO¶ amOnyV ¶m§À¶m ^oXH$ Jmob§XmOrÀ¶m Omoamda OZVm ghH$mar ~±Ho$Zo ¶w{Z¶Z ~±Ho$Mm 87 Ymdm§Zr nam^d H$ê$Z ~moZg JwUmMr H$‘mB© Ho$br. OZVm ~±H$ g§KmZo àW‘ 4 ~mX 181 Ymdm Ho$ë¶m. àgÞm Xmg Zm~mX 53, amOrd eoIa 44 d ¶moJramO VmQ>io 39, ¶m§Zr Mm§Jbr ’$b§XmOr Ho$br. àζwÎmamV, {dO¶ amOnwVZo 14 Ymdm§V KoVboë¶m 4 ~it‘wio ¶w{Z¶Z ~±H$ g§K 19.1 fQ>H$mV

Ho$di 94 Ymdm§da ~mX Pmbm. amOrd eoIaZo 3, Va {V‘moVr dmK‘maoZo 2 JS>r ~mX Ho$bo.

˶mMà‘mUo gXþ qeXo gmIir {H«$Ho$Q> ñnY}V JQ> Cn{dOoVo nX nQ>H$mdyZ Amnë¶m g§KmZo Cnm§Ë¶ ’o$arn¶ªV ‘Ob ‘mabr. lr {dO¶ amOnyV ¶m§Zm "‘°Z Am°’$ Xr ‘°M' åhUyZ KmofrV Ho$bo.

nwUo {Oëhm {H«$Ho$Q> g§KQ>ZoÀ¶m (nrS>rgrE) gXÿ qeXo gmIir {H«$Ho$Q> ñnY}V Amnë¶m ~±Ho$Zo E‘Ho$Ho$ {H«$Ho$Q> ³b~Mm 119 Ymdm§Zr nam^d Ho$bm.

’$½¶w©gZ ‘hm{dÚm¶mÀ¶m ‘¡XmZmda

Pmboë¶m ¶m gm‘ݶmV AmnU àW‘ ’$b§XmOr ñdrH$mê$Z AmR> ~mX 269 Aer ‘moR>r Ymdg§»¶m C^mabr. ˶mV ‘hÎdmMm dmQ>m AmZ§X H§$XbJmdH$a (66), Am±Mb bwQ>o (57) d amOrd eoIa (53) ¶m§Zr Ho$boë¶m AY©eVH$mMm hmoVm. ˶mZ§Va {’$aH$s Jmob§XmO {dO¶ amOnyVZo 22 Ymdm XoD$Z Mma JS>r ~mX H$aVmZm Ho$boë¶m AMyH$ Jmob§XmOrÀ¶m Omoamda E‘Ho$Ho$ g§KmMm S>md 150 Ymdm§V AmQ>monbm. ˶m§À¶m gm¡a^ Hw$bH$UuZo Ho$bobr AY©eVH$s Ioir Anwar nS>br. Jobo 5 df} ¶m ñnY}V gVV hm JQ> {dO¶ àmá H$aV Amho. g§nyU© g§KmMo hm{X©H$ A{^Z§XZ!

H$V©ì¶ ’$mD§$S>oeZ d gXÿ qeXo gmIir {H«$Ho$Q> ñnYmª‘ܶo Amnë¶m g§KmMr M‘H$Xma H$m‘{Jar!

Hw$‘ma aoUwgo dralr nwañH$mamZo gÝ‘m{ZVAmnë¶m {Q>iH$amoS> emIoVrb ImVoXma lr.

Hw$‘ma aoUwgo ¶m§Zm Á¶mo H$sS>g² ³b~V’}$ "dralr nwañH$ma' àXmZ H$aʶmV Ambm Amho.

lr. aoUwgo ho YS>mS>rMo gm‘m{OH$ H$m¶©H$V} AmhoV. 2001 gmbr emIoV EH$m ImVoXmamMr amoI a¸$‘ nidyZ ZoUmè¶m Mmoamg ˶m§Zr emIoVM nH$Sy>Z {Xbo hmoVo. d ˶m~Ôb emIoV’}$, ~±Ho$V’}$ ˶m§Mm gËH$ma H$aʶmV Ambm hmoVm.

lr. aoUwgo ¶m§Mo ~±Ho$V’}$hm{X©H$ A{^Z§XZ!

Am‘wMm am‘ am‘ ¿¶mdm....

A.H«$. Zmd emIm/{d^mJ hþÔm

1 lr. kmZXod har^mD$ ~m§Ja {dbonmb} H${Zð> A{YH$mar

2 lr. Z§X{H$emoa à^mH$a ZmJnwao {Q>iH$ amoS> boI{ZH$

3 lr. bú‘U qÌ~H$ Hw$bH$Uu gram¶grS>r boI{ZH$

4 lr. amO|Ð em§Vmam‘ ~m§~wiH$a H$moëhmnya boI{ZH$

5 lr. O¶am‘ gImam‘ {XKo grAm¶grS>r boI{ZH$

6. lr. O¶d§V ~m~wamd bmoUmar VioJmd Xm^mS>o boI{ZH$

7. lr. ~mny e§H$a OJXmio ‘mH}$Q>¶mS>© boI{ZH$

8. lr. em§Vmam‘ {H$gZ JmOao {dbonmb} boI{ZH$

9. lr. ~mimgmho~ AmË‘mam‘ H$X‘ goH«o$Q>ar¶b {enmB©

10. lr. ^aV ‘{hnVr ‘m§S>oH$a {Q>iH$ amoS> [enmB©

11. lr. àH$me {Zd¥Îmr ‘maUo H$d}ZJa {enmB©

^mdnyU© lÕm§Obr

Amnë¶m ’$½¶w©gZ amoS> emIoVrb boI{ZH$ AmZ§X Ho$ed {Mbdoar ¶m§Mo{X. 25 ‘o 2014 amoOr Xþ:IX {ZYZ Pmbo Amho. ‘¥VmËå¶mg gX²JVr {‘imo hr àmW©Zm!

S>m°. g{dVm Xoenm§S>o¶m§Zm gwdU©nXH$

Amnë¶m H$d} amoS> emIoÀ¶m ImVoXma d Am~mgmho~ Jadmao ‘hm{dÚmb¶mVrb ‘mZgemó {d^mJmÀ¶m à‘wI S>m°. g{dVm Xoenm§S>o ¶m§Zm ½bmo~b BH$m°Zm°{‘H$ àmoJ«og A±S> [agM© BpÝñQ>Q>çyQ>V’}$ (MoÞB©) gwdU© nXH$$ XoD$Z Jm¡a{dʶmV Ambo. hm H$m¶©H«$‘ MoÞB© ¶oWo Pmbm. ‘mZgemómVrb àXrK© Aܶ¶Z Am{U g§emoYZ {Z{‘Îm ho JmoëS> ‘oS>b ˶m§Zm XoʶmV Ambo Amho.

~±Ho$V’}$ ˶m§Mo hm{X©H$ A{^Z§XZ!˶m§À¶m nwT>rb H$m¶m©g ew^oÀN>m!

‘mho ‘mM© Vo ‘o 2014 AIoa {Zd¥Îm godH$m§Mr ¶mXr

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JéS> Pon

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~mOramd amoS>, nwUo emIm : O¶ hmo!~mOramd amoS> emIoZo ~±Ho$À¶m é. 10,000

H$moQ>r ì¶dgm¶mÀ¶m C{Ôï>m~amo~aM emIoMo é. 1000 H$moQ>r ì¶dgm¶ C{Ôï> àmá H$arV AgVmZm ~±Ho$Zo {Xboë¶m C{Ôï>m§Mr Imbrbà‘mUo AmH$S>odmar gmܶ H$ê$Z ~±Ho$V EH$ AmXe© {Z‘m©U Ho$bm Amho.

R>odr 576.04 H$moQ>r

H$O© 471.28 H$moQ>r

EHy$U ì¶dgm¶ 1047.32 H$moQ>r

Z’$m 14.93 H$moQ>r

¶m ì¶dgm¶d¥ÕrV emIoVrb gd© A{YH$mar, boI{ZH$ d {enmB© ~§Yy§Zr ‘mobmMo ¶moJXmZ {Xbo Amho. {deofV: R>odrMo C{Ôï> àmá H$aUogmR>r nwUo

eha, Ah‘XZJa, gmobmnya, n§T>anya, åhgdS> AmXr {R>H$mUmhÿZ AWH$ n[al‘mÛmao ¶e àmá Ho$bo Amho.

emIoZo ^mJ^m§S>dbmMo C{Ôï> H$O©, bm°H$a d$CËH¥$ï> J«mhH$godm ¶m§Mo ghmæ¶mZo àmá Ho$bo Amho. ZOrH$Mo H$mimV emIm S>obr H$bo³eZ ¶moOZoÛmao OmñVrV OmñV J«mhH$m§Zm AmH${f©V H$ê$Z g‘mOmVrb gd© ñVamn¶ªV nmohmoMyZ Iè¶m AWm©Zo N>moQ>çm bmoH$m§Mr ‘moR>r ~±H$ hr {~éXmdbr {‘a{dʶmMm à¶ËZ gwê$ Ho$bm Amho.

~mOramd amoS> emIoÀ¶m ZwVZrH$aUmMo {Z{‘ÎmmZo lr g˶Zmam¶U ‘hmnyOoMo Am¶moOZ gmo‘dma, {X. 7 E{àb 2014 amoOr Ho$bo hmoVo. gXa H$m¶©H«$‘mg g‘mOmVrb {d{dY ñVamVrb ‘mݶda ImVoXma,

{hVqMVH$ Ago gw‘mao 2500 bmoH$m§Zr emIog ^oQ> XoD$Z ew^oÀN>m {Xë¶m. ˶mV àm‘w»¶mZo {MVio ~§Yy {‘R>mB©dmbo ¶m§Mo lr. lrH¥$îUH$mH$m {MVio, ^m.O.nm.Mo ehamܶj d ImgXma lr. A{Zbamd {eamoio, ZJagodH$ lr. AemoH$ ¶oZnwao, lr. ho‘§V amgZo, lr. {Xbrn H$mimoIo, S>r.B©.Eg gmogm¶Q>rÀ¶m {Z¶m‘H$ ‘§S>i d n[afXoMo Cnmܶj lr. {dH$mgamd H$mH$VH$a, gañdVr ‘§{Xa g§ñWoMo lr. e§VZy qMWS>o, Zm‘d§V AmWm}noS>rH$ gO©Z S>m°. {‘qbX ‘moS>H$ d gm¡. S>m°. H$mqbXr ‘moS>H$ Aem AZoH$m§Mm g‘mdoe hmoVm. ~±Ho$Mo Aܶj ‘m.lr. AaqdXamd IiXH$a d gd© g§MmbH$ gXa H$m¶©H«$‘mg CnpñWV amhÿZ ‘mݶdam§er g§dmX gmYbm.

JwT>rnmS>ì¶mÀ¶m ew^‘whÿVm©da ~mOramd amoS> emIoÀ¶m ZyVZrH$aUmMo CX²KmQ>Z ໶mV dH$sb A°S>. àVmnamd naXoer, ~±Ho$Mo Aܶj ‘m.lr. AaqdXamd IiXH$a ¶m§Mo hñVo H$aʶmV Ambo. ¶m àg§Jr ~±Ho$Mo g§MmbH$ ‘m.OJXreOr H$X‘, ‘m. {~ê$ Imo‘Uo, ‘m. gwZrb ‘wVm{bH$, ‘m. {H$emoa^mB© ehm, ‘m. bú‘U ndma, ‘m. {dO¶amd ^mdo CnpñWV hmoVo.

CX²KmQ>Z g‘¶r ~±H$ bdH$aM ghm AmH$S>r ì¶dgm¶ JmR>ob Agm {dœmg A°S>. àVmnamd naXoer ¶m§Zr 춺$ Ho$bm. ~±Ho$Mo XÿaÑï>r AgUmao ZoV¥Ëd, àm‘m{UH$ godH$ Am{U gwpñ‘V godm, A˶mYw{ZH$ V§ÌkmZ ¶mÀ¶m OmoamdaM ~±Ho$Zo ho C{Xï> gmܶ Ho$ë¶mMo ˶m§Zr gm§{JVbo. ~±Ho$bm nwT>rb dmQ>MmbrgmR>r ew^oÀN>m XoVmZm ˶m§Zr é. 10000 H$moQ>tMo ì¶dgm¶mMo C{Ôï> VgoM ~mOramd aomS> emIoMo é. 1000 H$moQ>tMo ì¶dgm¶mMo C{Ôï> àmá Ho$ë¶m~Ôb ˶m§Zr é.100000/- Mr ZdrZ R>od gwnyX© Ho$br.

Aܶj ‘m. lr. AaqdXamd IiXH$a ¶m§Mo hñVo OZVm ~±H$ ê$no S>o{~Q> H$mS>©Mo d ~±Ho$À¶m ZdrZ do~gmB©Q> noOMo CX²KmQ>Z H$aʶmV Ambo. ¶mgmR>r H$ï> KoUmè¶m S>mQ>m g|Q>aÀ¶m H$‘©Mmè¶m§Mo A{^Z§XZ Ho$bo Am{U

~±Ho$Vrb godH$, ImVoXma g^mgX d {hVqMVH$ ¶m§À¶m‘wio ~±H$ ì¶dgm¶mMo EH$-EH$ {eIa ga H$arV Agë¶mMr ^mdZm 춺$ Ho$br. VgoM ~±Ho$Mr ~mOramd amoS> emIoMr B‘maV gmag~mJ Vo e{ZdmadmS>m ¶m Q>mnyVrb gdm©V AmH$f©H$ dmñVy Agob, Agm {dœmg 춺$ Ho$bm.

CX²KmQ>Z àg§Jr ~±Ho$Mo gÝ‘mZZr¶

ImVoXma, g^mgX, {hVqMVH$ d godH$ ‘moR>çm g§»¶oZo CnpñWV hmoVo. H$m¶©H«$‘mMo àmñVm{dH$ ~±Ho$Mo à^mar ‘w»¶ H$m¶©H$mar A{YH$mar ‘m.lr. dg§Vamd Hw$bH$Uu ¶m§Zr Ho$bo VgoM gXa H$m¶©H«$‘mMo gyÌg§MmbZ lr. namJ R>mHy$a d Am^ma àXe©Z ~mOramd amoS> emIoMo emImì¶dñWmnH$ lr. OJXre H$í¶n¶m§Zr Ho$bo.

CX²KmQ>Z : ~mOramd amoS> emIoMo ZyVZrH$aU,OZVm ~±H$ ê$no S>o~rQ> H$mS>© d ZdrZ do~gmB©Q> noOMo....

N>m¶m{MÌmV AZwH«$‘o S>mdrH$Sy>Z ~±Ho$Mo g§MmbH$ ‘m.lr.OJXre H$X‘, ~±Ho$Mo Aܶj ‘m.lr. AaqdXamd IiXH$a, ~mOramd amoS> emIoMo emImì¶dñWmnH$ lr. OJXre H$í¶n, CX²KmQ>H$ ‘m.lr.A°S>.àVmn naXoer, ~±Ho$Mo à^mar ‘w»¶ H$m¶©H$mar A{YH$mar ‘m.lr.dg§Vamd Hw$bH$Uu.

Page 6: Garudzep issue May 2014 - Janata Sahakari Bank Ltd., Pune

OZVm ghH$mar ~±H$ {b., nwUo

6

Every individual has the same amount of time to his disposal i.e. twenty four hours. The beggar begging on the street or some top offi cial have the same amount of time. Every individual needs time for his personal use. Some have plenty of time and some starve for it. Time cannot be sold, purchased, rented, hired, stored, replaced. Time is absolutely perishable. Time cannot waste itself, it needs your help. Time is democratic uniform twenty four hours to every body irrespective of caste, creed, gender. Time is generous-you spend twenty four hours today. You will get another twenty four hours tomorrow. Time is most precious and purely a personal thing.Everybody must avoid followingTime Stealers-(i) Habits - Sleep, getting up late, day dreaming, complaining, comparison(ii) Technology - television, Radio, Mobile Phones, Social Media sites on internet(iii) Lack of self confi dence(iv) Inability to say 'no'(v) Confused responsibility and authority(vi) Procrastination(vii) Inadequate, inaccurate information(viii) Lack of communication(ix) Crisis Management(x) Lack of objective(xi) Ineffective delegation(xii)Telephonic interruption(xiii) Drop in visitors(xiv) Personal disorganizationStrategies for Time Management(1) Set your goals and a plan of action to achieve them .(2) Be objective in evaluation of situation and the people (3) Meet the dead lines(4) Practice emotional intelligence(5) List your priorities-prepare time log and execute them (6) Avoid time stealers(7) Be organized - Be alert, Watchful, knowledgeable(8) Arrange your desk, fi les neatly

(9) Handle each paper only once.(10) Be self confi dent - master tough situations, develop will powerHierarchy of time

DoDelayDelegateDump

Selective delay� 38% for problems today� 40% for problems coming weekend� 15% for problems after a week to a month� 5% for problems after one to six months� 2% for problems after six monthsLeisure and recreation � Refresh your mind� Reduce stress� Strengthen your bodyReading � Do not reread � Do not vocalize� Do not move your head� Increase reading spanWriting(1) Be précised(2) Use contractions(3) Plan beginning, middle, end(4) Use short terms, abbreviationsAt Home - (1) Use mails(2) Avoid peak hours(3) Organize your fi nances(4) Lessen your worries(5) Keep your budget within control(6) Do not be glued to TV(7) Preserve a set of spare keys(8) Get the family together in the morning (9) Bunch your appointments(10) Anticipate child care crisis(11) Have a master list(11) Teach your family systems and use them(12) Shop once a week(13) Keep repairs under control(14) Shop only twice a year for clothes(15) Entertain simply and stay calm(16) Accept selective invitations

Time Management

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JéS> Pon

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Q>m°{ZH$bm e{º$dY©H$ hm AJXr ¶mo½¶ Agm ‘amR>r à{VeãX Zìho; nU gd©gmYmaUnUo à˶oH$mÀ¶m ‘ZmV VmoM ^md AgVmo. åhUyZM, "S>m°³Q>a, Aeº$nUm dmQ>Vmo, Oam Q>m°{ZH$ {bhÿZ Úm' Ag§ ‘mUyg MQ>H$Z² ~mobyZ OmVmo. Am¡fYmonMmam§À¶m {Za{Zamù¶m àH$mamV Am{U emóm§V Q>m°{Z³gMm Cn¶moJ gm§{JVbobm Amho. n[apñWVrà‘mUo S>m°³Q>a, d¡Ú, h{H$‘ ˶m§Mm Cn¶moJ H$aVmV.

Vméʶ Am{U Am¶wd}X ¶m§À¶m g§X^m©V Q>m°{Z³gZm {deof ‘hÎd Amho. Vméʶ åhUOo H$m¶©j‘Vm, CËgmh, emar[aH$ Am{U ‘mZ{gH$hr, Ooìhm§ ˶m§Zr CUrd ̂ mgm¶bm bmJVo, ˶mdoir BVa CnMmamà‘mUo e{º$dY©H$m§Mrhr Cnm¶¶moOZm H$amdr bmJVo.

{ZgJ©H«$‘mZo d¶mÀ¶m gÎmarZ§Va earamMr PrO hmoV Agob, Var Vr ñdm^m{dH$ hmo¶.Am¶wd}Xemó gÎma dfm©n¶ªV Vméʶ‘¶m©Xm ‘mZVo. Vmon¶ªV gm‘mݶnUo earamVrb gd© YmVy, ómoVg², Ad¶d YS>YmH$Q>nUo H$m‘ H$amd¶mg hdoV.

earamVrb Ad¶dm§Mo {Z¶§ÌU, nmofU, ajU H$aUmar VrZ ‘ybVÎdo Am¶wd}X ‘mZVmo. dmV, {nÎm d H$’$ ho VrZ Xmof g‘pñWVrV Agbo H$s, earamMm JmS>m ZrQ> MmbVmo. ¶m XmoKm§Mo g§VwbZ {~KS>bo H$s Ñî¶, ag, aº$, ‘m§g, ‘oX, AñWr, ‘‚mm d ewH«$ ho gmV YmVy d nwarf, ‘yÌ d ñdoX ho VrZ ‘b {~KS>VmV. ¶m YmVy d ‘bm§Mo earamV {Z{‘©Vr d dhZ H$aUmar ñWmZo-ómoVgo AmhoV, Vr nU {~KS>VmV. åhUyZ earamg, H$moU˶mhr ^mJmH$[aVm, Ooìhm Q>m°{ZH$Mr JaO bmJVo ˶mdoiog, ¶m ómoVgm§Zm Vmob gm§^miʶmMr H$miOr H$er ¿¶mdr, ˶m§Mo H$[aVm H$m¶ H$amdo ho Am¶wd}X gm§JVmo. Am¶wd}XmÀ¶m {Za{Zamù¶m J«§WmV e{º$dY©H$mÀ¶m ~ë¶, agm¶Z, OrdZr¶, ~¥hUr¶, d¥î¶, dmOrH$a, ewH«$dY©H$, pñZ½Y, ñZohmonJ, ñVݶ, ñVݶd¥ÕrH$a, ewH«$àdV©H$, gÚ: ewH«$dY©H$, aº$dY©H$, ApñWdY©H$, ApñWg§YmZH$a, ‘oYmH$a, AmoOdY©H$ Aem {d{dY g§km gm§{JVë¶m AmhoV. Am¶wd}XmVrb XmofYmVy‘b {dkmZ d Ðì¶JwUemó {dkmZ d nmoQ>emIm§À¶m AmYmao AmYw{ZH$ g§X^m©V doJdoJù¶m Ad¶dm§À¶m ómoVgm§À¶mH$[aVm"Am¶wd}XrH$ Q>m°{ZH$' H$m¶ XoVm ¶oB©b, ¶mMm {dMma WmoS>³¶mV ‘m§S>rV AmhmoV.

1. àmUdh ómoVg: àmUVÎd ~iH$Q>nUo H$m‘ H$amdo åhUyZ e§¥J^ñ‘, gwdU©‘m{jH$m{X dQ>r, Mm¡gï> qnnir MyU©, ASy>igm, bmjm MyU©, bmjm{X

Jw½Jwi, Amamo½¶d{Y©Zr, dmgmnmH$ bmjm{X K¥V ¶m§Mm Cn¶moJ hmoVmo.

2. CXH$dh ómoVg: Mm§Jbr VhmZ bmJmdr åhUyZ Ðmjmgd d Ðmjm[aï>mMm Cn¶moJ hmoVmo. ߶mboë¶m nmʶmMm earambm Cn¶moJ ìhmdm, nmʶmMo AOrU© hmoD$ Z¶o åhUyZ gy§R>, ZmJa‘moWm ¶m§Zr {gÕ Ho$bobo Ob dmnamdo. ewÕ Mm§Jë¶m nmʶmMo g‘mYmZ H$mhr doJioM Amho. "CXH§$ AmídmgH$amUm§ loð>‘²!'

3. AÞdh ómoVg: AÞ n{hë¶mnmgyZ Vo nyU© nMZ hmoB©n¶ªV CÎm‘ H$m¶© ìhmdo åhUyZ Am‘b³¶m{X MyU©, Amodm, ~S>rjon, Ðmjmgd Ðm{j[aï>, Ambo bgyZ ¶m§Mm Cn¶moJ hmoVmo. AmbonmH$ AÞdh ómoVgmH$[aVm CÎm‘ Q>m°{ZH$ hmo¶.

4. Agdh ómoVg : OyZ H$mohù¶m ag, D$gmMm ag, JmB©Mo XÿY, eVmdar, Á¶oð>‘Y, ^wB©H$mohim, JmoIê$, VmOo Amdio, ’$io, ZmaimMo nmUr, gmIa, Jwidob gËd, Hw$î‘m§S>nmH$ ¶m§Mm Cn¶moJ agmdh ómoVgmÀ¶m gå¶H²$ nmofUmH$[aVm hmoVmo.

5. Aº$dh ómoVg : qnni, bmI, e¥§J^ñ‘, gwdU©, am¡ß¶, Vm‘«, bmo^ñ‘, Ho$ea, qnnir, {ebm{OV, M§Ðà^m, Amamo½¶d{Y©Zr, ~¥hËdmVqMVm‘Ur, M§ÐH$bm, gwdU©‘m{jH$mXrdQ>r, ’$b{ÌH$mXr H$mT>m, Hw$‘mar Amgd, H$moanS>rMm Ja, nmbo^mÁ¶m, H$S>Ymݶm§Mo H$T>U ¶m§Mm aº$dh ómoVgmÀ¶m nmofUmH$[aVm Cn¶moJ hmoVmo. ¶m{edm¶ nwZZ©dm ‘§Sy>a ~mbHo$ d d¥Õm§H$[aVm, H$mgrg ^ñ‘ {ó¶m§À¶m nm§Sw>VoH$[aVm {deof Cn¶wº$ Amho.

6. ‘m§gmdh ómoVg : eVmdar, AmñH§$X, ^wB©H$mohim, eVmdar H$ën, À¶dZàme, H$S>Ymݶo, Jhÿ, åherMo XÿY, Vyn, gmIaoMo nXmW©, A‘¥Vàme K¥V, emVdr K¥V ¶m§Mm Cn¶moJ ‘m§gmdh ómoVgm§À¶m nmofUmH$[aVm hmoVmo. eVmdar {gÕ Vob qH$dm ‘hmZmam¶U VobmZo ‘gmOhr Cn¶wº$ Amho.

7. ‘oXmodh ómoVg : AmñH§$Y, ^wB©H$mohim, {MH$Um‘yi, H$S>Ymݶo, Jhÿ, åherMo XÿY, Vyn, gmIa, Xhr, A‘¥Vàme K¥V ¶m§Mm Cn¶moJ ‘oXmodh ómoVgm§À¶m nmofUmH$[aVm hmoVmo.

8. ApñWdh ómoVg : e¥§J^ñ‘, gm§~aqeJ, bmjm{X Jw½Jwi, bmjm{X K¥V, ‘hm{ÎmH$ K¥V, ‘mH$m, eVmdar, qnnibmI, AOw©Zgmb, {MH$Um, AmñH§$Y, agm¶Z MyU©, nmbo^mÁ¶m, Jhÿ CS>rX ¶m§Mm Cn¶moJ ApñWdh ómoVgm§À¶m nmofUmH$[aVm hmoVmo.

9. ‘‚mmdh ómoVg : ~«m÷r, e§Inwînr, OQ>m‘mgr, ~Xm‘, Amdim, eVmdar, AH«$moS>, gmañdVm[aï>, ~«m÷rdQ>r, Vyn, gwdU©, À¶dZàme, ~«m÷ràme, qnni gmb ¶m§Mm Cn¶moJ ‘‚mmdh ñWmoVgm§À¶m nmofUmH$[aVm hmoVmo.

10. ewH«$dh ómoVg : AmñH§$Y, {MH$U, AdM~r, Vmbr‘ImZm, ^wB©H$mohim, JmoIê$, Mmon{MZr, haUIwar, XÿY, Vyn, A§S>r, ~Xm‘, agm¶Z MyU©, À¶dZàme , Hw$î‘m§S>nmH$, ‘Yw‘m{bZr dg§V, M§Ðà^m, bú‘r{dbmg, ¶m§Mm Cn¶moJ ewH«$dh ómoVgm§À¶m nmofUmH$[aVm hmoVmo.

11. ‘yÌdh ómoVg : JmoIê$, eVmdar, AmKmS>m, AmdirH$mR>r, {Oao, Jmojwam{X Jw½Jwi, agm¶Z MyU©, {ebm{OV, M§Ðà^m, eVmdar K¥V ¶m§Mm Cn¶moJ ‘yÌdh ómoVgm§À¶m nmofUmH$[aVm hmoVmo.

Am¶wd}XmMo CnMma AmO hOmamo df} Ag§»¶ d¡Ú ¶eñdrnUo H$aV Ambo AmhoV. H¥$e, ‘{V‘§X, jrU, AmË‘{dídmg J‘mdbobo, ewH«$mUy H$‘r Agbobo, OrU© ÁdamVyZ CR>bobo, nmo¶mÀ¶m {dH$mamMo amoJr, j¶r 춺$s Aem {d{dY {dH$mam§V d¡Ú bmoH$ H$iV ZH$iV "Q>m°{Z³g' XoV Ambo AmhoV.

Aer Am¡fYo H$moUH$moU˶m amoJm§V, AdñWoV earamÀ¶m ómoVgmV, Hw$R>o Q>m°{ZH$ åhUyZ Cn¶moJr nS>VmV. ¶mMr WmoS>³¶mV ‘m{hVr Amåhr XoV AmhmoV. ¶mnojm eoH$S>mo d¡Úm§Mo AZw^dmV AZoH$ {dH$maV AmUIr Q>m°{Z³g AgyZ eH$Vrb. ¶m Ñï>rZo {dMmambm MmbZm XoʶmH$[aVm Am¶wd}XrH$ CnMmam§Mr hr ’$º$ EH$ PbH$ Amho.

1. Ho$g : dS>mÀ¶m nma§ã¶màH$mUo ~iH$Q> d ‘w§½¶m§À¶m dUm©à‘mUo H$mù¶m^moa Ho$gm§H$[aVm dS>mÀ¶m nma§ã¶m, H$moa’$i, Amdù¶m§Mm ag, ‘mH$m, ZmJa‘moWm hr nmM Am¡fYo Vob V¶ma H$aʶmH$[aVm Cn¶moJr AmhoV. nmoQ>mV KoʶmgmR>r Amamo½¶d{Y©Zr gH$mir d gm¶§H$mir VrZ Jmoù¶m d agm¶Z MyU© gH$mir 1 M‘Mm VrZ ‘{hZon¶ªV ¿¶mdo.

Am¶wd}X à˶oH$mH$[aVm! Amamo½¶mda ~moby H$mhr - ̂ mJ 1

lr. d¡Ú {dZm¶H$ IS>rdmbo

dmMH$m§g Z‘« AmdmhZ JêS Pon ‘ܶo àH$m{eV H$aʶmgmR>r >emIm, H$‘©Mmar, J«mhH$, ~±H$, ~±{H$J ¶m§Mo {df¶r Cn¶w³V VgoM ‘hËdmMr ~mV‘r, ‘m{hVr, {deof

CnbãYr Jm¡ad nwañH$ma N>m¶m{MÌmgh E ’$moa gmB©PÀ¶m nm§T>è¶m H$mJXmda gwdmÀ¶ AjamV {bhÿZ ~§X nm{H$Q>mV Imbrb nζmda nmR>dmdm. lr.O¶§V bmoH$ao, ‘Zwî¶~i {dH$mg {d^mJ, ‘w»¶ H$m¶m©b¶, nwUo.

H«$‘e:

Page 8: Garudzep issue May 2014 - Janata Sahakari Bank Ltd., Pune

OZVm ghH$mar ~±H$ {b., nwUo

8

"kmZJ§Jm ~mb{dH$mg _§S>i' `m g§ñWoMo; lr_Vr nmd©Vr~mB© ZZdao hm`ñHy$b gmobmnya {OëømV _m¡Oo I§S>mir, Vm. _mi{eag `oWo Amho. {dÚmWug§»`m 500 Amho. emioOdi qdYZ {dhra AgyZhr nmÊ`mMm gmR>m H$aÊ`mMr ì`dñWm Zgë`mZo {dÚmÏ`mªMo {nÊ`mÀ`m nmÊ`mMo hmb hmoV hmoVo. ¶m~m~V emioMo {ejH$ lr. gnH$mio ga `m§Zr Amnë`m B§Xmnya emIoMo emImà_wI lr. grVmH$m§V _|S>OmoJr `m§À`mer g§nH©$ gmYbm. Anwè`m nmUrì`dñWo_wio {dÚmÏ`m©Mo {nÊ`mÀ`m nmÊ`m~m~V hmb hmoV Agë`mZo ~±Ho$H$Sy>Z hr ì`dñWm H$aÊ`mMr {dZ§Vr Ho$br.

~±Ho$Mo gm‘m{OH$ CÎmaXm{¶Îd : 26/2/2014 amoOr N>moQ>çmem H$m`©H«$_mV {nÊ`mÀ`m nmÊ`mMr Q>mH$s (2 hOma {bQ>a) emiobm ^oQ> XoÊ`mV Ambr. `mdoir lr. _|S>OmoJr `m§À`m~amo~a emIm H$_©Mmar lr. g{MZ Am§~oH$a CnpñWV hmoVo.emioMo gd© {ejH$, AÜ`j lr. gw^mf Jm§Yr, _w»`mÜ`mnH$ lr. dmK_moS>o, àmÜ`mnH$ lr. gnH$mio d XhmdrMo 100 {dÚmWu CnpñWV hmoVo.

gXa Q>mH$s g§ñWoV\}$ lr. Jm§Yr d lr. dmK_moS>o `m§Zr ñdrH$mabr d ~±Ho$Mo {deof Am^ma _mZbo.

B§Xmnya emIoV\}$ lr_Vr nmd©Vr~mB© ZZdao hm`ñHy$bbm {nÊ`mÀ`m nmÊ`mMr Q>mH$s ̂ oQ>

Am¡Úmo{JH$ joÌmV qdS>{‘bgmR>r bmJUmè¶m e{º$embr Q>m°dg©Mo CËnmXZ H$aUmè¶m d Amnë¶m H$moëhmnya emIoMo gÝ‘mZZr¶ g^mgX ImVoXma ‘o. S>rEZ qdS> {gñQ>r‘ B§{S>¶m àm¶ìhoQ> {b{‘Q>oS>bm XmoZ ¶eñdr ‘mZm§H$Zo ZwH$VrM àXmZ H$aʶmV Ambr. Q>rìhr¶y gmD$W E{e¶m ¶m O‘©Z H§$nZr nwañH¥$V g§ñWoH$Sy>Z AmoEMEgEg 18001-2007 d Am¶EgAmo 14001-2004 Aer ‘mZm§H$Zo XoʶmV Ambr. MoÞB© ¶oWrb J‘oem qdS>‘Yrb nm°da CËnmXH$ H§$nZrMo àm°S>³eZ hoS> amOHw$‘ma ¶m§À¶m hñVo hr ‘mZm§H$Zo àXmZ H$aʶmV Ambr. hodr ’°${~«Ho$eZ CËnmXZ joÌmV nwañH$ma {‘idUmar S>rEZ qdS> hr EH$‘od H§$nZr R>abr Amho. AmoEMEgEg 18001-2007 ho ‘mZm§H$Z ‘Zwî¶ gwa{jVVogmR>r, Va Am¶EgAmo 14001-2004 ho ‘mZm§H$Z n¶m©daUr¶ Ñï>rZo ‘hÎdmMo ‘mZbo OmVo. gd© {ZH$f VnmgyZM S>rEZ qdS>bm ¶m ‘mZm§H$ZmZo gÝ‘m{ZV H$aʶmV Ambo Amho. hr ‘mZm§H$Zo {‘idʶm‘ܶo A{ZHo$V nmMmoao, gwZrb Omoer ¶m§Zr Am°{S>Q> Ho$bo. Zo‘r H$ÝgëQ>§Q>Mo ghH$m¶© {‘imbo. nwañH$ma {dVaU gmohù¶mbm H§$nZrMo g§MmbH$ {XZoe ~wYbo, {ZVrZ dmS>rH$a, A{^OrV bHw§$Ðo, emh~ {H$Îmya AmXr CnpñWV hmoVo.

H$moëhmnya emIoMo ImVoXma S>rEZ qdS> CÚmoJmg

ISO ‘mZm§H$Zo àXmZ

H$moëhmnya : J‘oem qdS>{‘b nm°da H§$nZrMo àm°S>³eZ hoS> amOHw$‘ma ¶m§À¶m hñVo nwañH$ma ñdrH$maVmZm {XZoe ~wYbo, {ZVrZ dmS>rH$a, A{YH$mar d H$‘©Mmar, H$moëhmnya emIoMo gÝ‘mZZr¶ g^mgX ImVoXma.

OmJ{VH$ ~w{Õ~i ñnY}gmR>r Am§Vaamï´>r¶ n§M åhUyZ amO|Ð {eXmoao ¶m§Mr {ZdS>Amnë¶m qghJS>amoS> emIoVrb godH$ lr. amO|Ð {eXmoao ¶m§Mr

Am§Vaamï´>r¶ n§M åhUyZ OmJ{VH$ ~wÕr~i ñnY}‘ܶo {ZdS> Pmbobr Amho. A{Ib ^maVr¶ ~wÕr~i g§KQ>ZoZo 12 Vo 20 Owb¡ 2014 Xaå¶mZ nwʶmV hmoUmè¶m amï´>r¶ Hw$‘ma ~wÕr~i ñnYm© ˶mMà‘mUo ‘w§~B© ¶oWo hmoUmè¶m OmJ{VH$ Hw$‘ma ~wÕr~i ñnY}gmR>r n§M åhUyZ lr. amO|Ð {eXmoao ¶m§Mr {Z¶wº$s H$aʶmV Amë¶mMo H$i{dbo Amho.

~±Ho$V’}$ lr. {eXmoao ¶m§Mohm{X©H$ A{^Z§XZ!

lr. {Xbrn M§XdmUr "{eënH$ma Jm¡ad 2013' nwañH$mamZo gÝ‘m{ZV

~m§YH$m‘ joÌmVrb {deof ¶moJXmZm~Ôb Amnë¶m H$moëhmnya emIoMo gÝ‘mZZr¶ g^mgX ImVoXma lr. {Xbrn M§XdmUr (‘o. M§XdmUr {ga°{‘³gMo ^mJrXma) ¶m§Zm H$moëhmnya eha n[agamVrb "{eënH$ma Jm¡ad nwañH$ma' g{‘VrÀ¶m dVrZo "{eënH$ma Jm¡ad' nwañH$ma àXmZ H$aʶmV Ambm. hm{X©H$ A{^Z§XZ!

Jê$S> Pon hr J¥hn{ÌH$m Ho$di ImOJr {dVaUmgmR>r àH$m{eV Ho$br Amho. ¶mVrb ‘Vo ì¶{³VJV AgyZ ~±H$ ˶mMoer gh‘V AgobM Ago Zmhr.

J¥hn{ÌHo$gmR>r {bImU, gyMZm B. gmR>r ‘Zwî¶~i {dH$mg {d^mJ, ‘w»¶ H$Moar ¶oWo g§nH©$ H$amdm.

XÿaÜdZr : 020-24450540, ‘mo. Z§. 9970800348. g§nmXH$s¶ g‘Ýd¶ : ^mbM§Ð Hw$bH$Uu, OZg§nH©$ A{YH$mar (‘mo~m. : 9822882509)

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‘r am§JoVM hmoVmoAm‘À¶m EH$m emIoV h¶mVrMo XmIbo XoʶmgmR>r

n|eZa am§JoV C^o hmoVo. EH$ OU am§JoVyZ WmoS>ogo ~mhoa C^o am{hbo hmoVo. Am‘À¶m gøm KoUmè¶m A{YH$mè¶mbm Vo ‘m{hV ZìhVo. Vo nQ>H$Z ˶m n|eZabm åhUmbo H$s, Ahmo Vwåhr am§JoV Kwgy ZH$m. ¶mMm ˶m§Zm amJ Ambm. ˶m§Mm aº$Xm~ ¶m‘wio EH$X‘ dmT>bm d Vo VoWoM ~oewÕ Pmbo. ~±Ho$Vrb gd©OU Km~abo. OdiÀ¶m S>m°³Q>am§Zm ~mobmdbo. Z§Va Vo ewÕrda Ambo. ˶m§Zm H$m°’$s {Xbr. g§~§{YV A{YH$mè¶mZo ˶m§Zm {dMmabo H$s Vwåhmbm AMmZH$ H$m¶ Pmbo? Vo åhUmbo ‘r am§JoVM hmoVmo Oamgm ~mOybm gaH$bmo hmoVmo. ‘r am§JoV AgVmZm gwÕm gdmªg‘moa ‘r am§JoV KwgVmo¶ Ago Vwåhr H$m åhUmbmV ¶mMm ‘bm amJ Ambm.