izkf/dkj ls izdkf'kr - NPS Trustnpstrust.org.in/sites/default/files/PFRDA_Retirement...2 THE GAZETTE OF INDIA : EXTRAORDINARY [P ART III—SEC. 4] (vi) ^dE i uh * l s dE i uh v f /k

3089 GI/2016 (1)

jftLVªh laö Mhö ,yö&33004@99 REGD. NO. D. L.-33004/99

vlk/kj.k EXTRAORDINARY

Hkkx III—[k.M 4 PART III—Section 4

izkf/dkj ls izdkf'kr PUBLISHED BY AUTHORITY

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1- Lkaf{kIr ’kh"kZd vkSj izkjaHk -&¼1½ b u f o f u;ek sa d k laf {k I r uk e i sa”k u f uf /k f o f u;k ed v k S j fo d kl i zk f /k d j.k ¼lso k f uo ` fÙ k lyk gd k j½ fo f u;e] 2016 g SA

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(i)^v f /k f u;e* ls i sa”k u f uf /k fo fu;k ed v k S j f o dk l i zk f /kd j.k v f /k f u;e] 2013 ¼2013 d k 23½ v f Hk izsr g S (

(ii)^d k sb Z v U; i sa”k u Ld h e* v f /k f u;e d h /k k jk 12 dh mi &/k kjk ¼1½ d s [k aM ¼[k ½ esa mY ysf [k r d k sb Z v U; i sa”k u Ld h e v f Hk izsr g S (

(iii)^Lk ai jh {k d * ls , slk O;f Dr v f Hk iz sr g S ] ft ldh f u;q f DR k d aaiuh v f /kf u;e] 2013 d s v uq PN sn 139 d s rg r g qb Z gks v F k ok tk s d ai uh vf /k f u;e 1956 ¼1956 d k 1½ dh /k k jk 224 d s v /k h u fd lh dai uh ds ys[k k vk sa d h laijh {k k d jus d s f y, v fg Z r g S (

(iv)î z k f /k d j.k * ls i sas”k u f uf /k f o f u;k ed vk S j f od k l i zk f /kd j.k v f /kf u;e] 2013 d h /k kjk 3 d h mi &/k k jk 1 ds v arxZ r LF k kf i r i sa”k u f uf /k f of u;k ed v k S j f o dk l i zk f /kd j.k vf Hk iz sr g S (

(v)^v /;{k * ls i z k f /k d j.k d k v /;{k v f Hk iz sr g S (

2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART III—SEC. 4]

(vi)^d E i uh * ls dE i uh v f /k f u;e 2013 ds v /k h u f uxf er v F ko k d ai uh v f /kf u;e] 1956 ¼1956 d k 1½ d s v /kh u fo jf pr vkS j jf t LVªh d ` r dksb Z bd kb Z v f Hk izsr g S (

(vii)^v uq i k yu v f /k dk jh * ls lso k f uo ` fR r lykg kd j d s i zf rmR rjnk ;h ,slk O;f Dr v fH ki zsr g S ] v k S j ft ls ml : I k esa i nk f Hk f gr v k S j v f /kf u;e d s i zk o /k k uksa] i zk f /k d j.k vF ko k d sUnz h ; ljd kj }k jk le; le; i j tk jh f d ;s x;s f u;ek s ;k f o f u;ek sa] v f /k lwpuk v ksa] ek xZ n”k Z d f l) kark sa] f unsZ ”k ksa b R ;kf n dk v uq ik yu f d ;s t k us v kS j vf Hk nk rkv ksa d h f ”kd k ;rks d s f ujk d j.k d k s ek uh Vj d jus d k mR rjnkf ;R o lk Sai k x;k gS (

(viii)^Q h l v k S j “k qY d * ls jk ’Vªh; i sa”k u i z .k k yh ds v /k h u e/;of rZ ;k sa }k jk i zf rik f nr dh tk us o k yh lso kv ksa d s f y, i kf jJ f ed d s : I k esa ns; Q h l v kS j “k qY d v f Hk iz sr g S (

(ix)^lnL; * ls i z k f /kd j.k ds v/;{k lf g r mlds lnL; v f H ki zsr g S (

(x)^laH k k fo r v fH k nk rk * ls jk ’Vªh ; i sa”k u i z .kk yh ds H kk oh vf Hk nkrk v Fk ok v fH k nk rk vksa d k lewg v F ko k d ksb Z laxBu ;k f uxe ;k f u;k sDrk ] t k s v i us d eZ pk f j;ksa d s f y, jk ’Vªh ; i s”k u i z .k k yh d k s f d z ;kf Uo r d jus d h o kaN k j[k rk g ks v F k ok ,slh i sa”k u i z .kkyh d k s yk xw d j pq dk gks] v f Hk iz sr g S (

(xi)*lso k f uo ` fÙ k lyk gd k j*ls d k sb Z ,slk O;f Dr] iat h d ` r lk> snk j dai uh ] f uxf er f ud k ;] v Fk ok dksb Z i at h d r U;k l vF k ok laLF k k t ks laH k kf o r v fH k nk rk v ksa@v f Hk nk rkv ksa v F ko k v U; O;f Dr;k sa v F ko k O;f Dr;k sa d s lewg k sa v k S j t ks f d b u f of u;ek sa d s v /k h u i at h d r g ks] d ks jk ’Vªh ; isa”k u i z .kk yh v Fk ok i zk f /kd j.k }k jk fo f u;f er v U; isa”k u ;k st uk ij lyk g mi yC/k d jk us ds f y, lf d z ; :I k ls v uqc af /k r gksus d h ok aN k j[k rk gks] v f Hk iz sr g S (

¼2½ b u fo f u;ek sa esa i z ;q Dr vk S j b u fo f u;ek sa esa i f jHk kf ’k r u fd ;s x;s f d Urq v f /k f u;e esa i fjH k kf ’k r “k Cnksa v k S j i nksa d k ogh v F kZ gksxk t k s Ø e”k % mudk vf /k f u;e esa g S A

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3- izek.ki= vuqnÙk fd;s tkus ds fy, vkosnu -&¼1½ b u f o f u;ek sa d s i z k jaH k dh f rf Fk ls] lso k f uo` f Ùk lyk gd k j ds : I k esa d k ;Z jr v F k o k ,slk d k ;Z djus d h o k aN k j[k us o k yk vF kok {k erk /k k f jr d ksb Z O;f Dr] d E i uh vF ko k f uxf er b dkbZ v F ko k d ksb Z iat h d r U;k l v Fk ok lkslk ;Vh t ks f d f dlh H kh laH k kf o r v F ko k f o|ek u v fH k nk rk d k s] uo h u [k k rk [kk syus d k s lq d j c uk us v F k ok f o |ek u vf H k nk rk vksa d k s lyk g d k j lso k,aa i z Lrq r d jus d s mn~ ns” ; d s lk Fk jk ’Vªh ; i sa”k u i z .kk yh ¼, ui h, l½ v F ko k iz kf /k d j.k }k jk fo f u;f er dk sb Z v U; isa”k u Ld h e i j f yf [k r vF ko k ek Sf [kd f d lh H kh jhf r esa lso k f uo` f r lyk g dk j ds : I k esa lyk g iz nk u v Fk ok i zlkf jr d jus d h o kaN k j[k rk g ks] lso k f uo` fÙ k lykgd k j ds : I k esa d k ;Z d jus d s f y, iz kf /k d j.k ls] t S lk b u f ofu;ek sa esa f uf nZ ’V g k s] jf t LVªh d j.k i z ek .k i = v fH ki zk I r d j ldsxk A

¼2½ jf t LVªh d j.k i z ek .k i = vuq nR r f d ;s t k us d k v ko snu b u f of u;ek sa d h v uq lwph 2 esa f o f uf nZ ’V jhf r esa v iz f rns; v k osnu Q h l ds lank ; d s lk Fk ] i z Fk e v uq lwph esa f o f uf nZ ’V i zi= ^d * esaa f d ;k t k , xkA

4- jftLVªhdj.k ls NwV -&¼1½ f uE u O;f Dr;k sa v F k ok laLF k k vk sa d k s b u f u/k kZ f jr “k rk sZa d s v /;/ k h u f of u;e 3 d s v arxZ r jf t LVªh d j.k i z ek .k i = vf Hk iz kIr d juk v isf {k r ug ha g ksxk t ks%

¼d ½ i zk f /kd j.k }k jk f of u;f er d k sb Z e/;o rh Z vF ko k laLF kk dk s

¼[k ½ mi f o f u;e 2 d s v arxZ r ;F k k f of uf nZ ’V laLF k k ds v f rf jDr d k sb Z v U; laLF k k f t ls i z kf /k d j.k }k jk fo f uf nZ ’V f d ;k t k lds

¼2½ mu O;f Dr;k sa v F k o k laLF k kv ksa d k s f o f uf nZ’V “k rksZ a d h lar` f I r ds v /;/k h u jf t LVªh d j.k i z ek .k i = v fH ki zk I r d juk v isf {k r ug ha g k sxk tk s f d

¼d ½ f d lh o d h y] vf /k o DR kk vF k ok fo f /k dE i uh ] t ks v i us f o f /k d v uq ”kh yu d s lac a/k esa v i us xz k gd ksa d k s lso k f uo` fR r lyk g mi yC/k d jk rs g S aa

¼[k ½ b aLVh V~ ;q V v k WQ pk VZ MZ vd k maVl v k WQ b af M ;k ] baLVh V;q V v k WQ d Ei uh lsd Vªh t v k WQ b af M ;k ] baLVh V;q V v k WQ d k WLV , .M o dZ l v dk maVl v k WQ baf M ;k ] baLVh V;q V v k WQ , Dpq f jt v k WQ baf M ;k v Fk ok d ksb Z v U; O;o lk f ;d b d kb Z ft ls i z kf /k d j.k }k jk f uf nZ ’V f d ;k t k lds] d k d ksb Z lnL;] t ks v i us xz k gd ksa d k s v i uh O;olk f ;d lso k vk as d s lac a/k esa lso k f uo ` fR r lykg iz nk u d jrk g ksA

¼x½ d k sb Z v U; b d kb Z f t ls i z kf /kd j.k }k jk f uf nZ ’V f d ;k tk ld sA

¹Hkkx IIIµ[k.M 4º Hkkjr dk jkti=k % vlk/kj.k 3

i jUrq ;g f d ,slk O;f Dr v Fk ok b dk bZ b u f of u;ek saesa ;F k k fo fuf nZ ’V lk ek U; c k /;rk ¼vk sa½ v k Sj mÙ k jnk f ;Ro ksad s v uq ik yu ls v k c) d j jgsxk v k S j f d lh Hk h iz dk j d s O;f rØ e t S lk b u f o f u;eksaa es a mi yC/k g S ] d s f y, i w.k Z :I k ls mÙ k jnk ;h gk sxk ] b l c k r ds g ksrs g q , H kh f d , sls O;f Dr;k sa ;k laLF k k v ksa us b u f o f u;ek sa d s v arxZ r d k sb Z jftLVªh d j.k i z ek .k i = iz kI r ug ha f d ;k gS ;k mUgsa v uq nR r ug ha fd ;k x;k g SA

5- lwpukvksa] LiVhdj.kksa dk fn;k tkuk vkSj O;fDrxr izLrqfrdj.k -&¼1½iz kf /k d j.k ] vk osnd ls f o f u;e 3 ds mi f o f u;e 2 d s varxZ r f d ;s x;s v k osnu d s f ui Vk js d s iz ;kst u g srq lso k f uo` fÙ k lyk g lso k vk sa ls t q M+s f o ’k ;ksa d s c k js esa d k sb Z v f rf jDr lwpuk ;k Li ’Vhd j.k nsus d h v is{k k d j ld sxkA

¼2½ v k osnd ;k mld k iz k f /k d ` r i z f rf uf /k ] jf t LVhd j.k ds lalk /k u v kS j v uq nk u vF ko k NwV] t k s H kh yk xw g k s] d s lanH kZ esa];f n , slh v is{k k d h t k ;s] O;f Drxr v H ;k osnu d s f y, i zk f /kd j.k ds le> mi f LFk r g ksxk A

6- vkosnu ij fopkj fd;k tkuk vkSj ik=rk ekunaM -&i zek .k i = v uq nR r fd ;s t k us d s i z ;kst u g srq i z kf /k d j.k ] , sls lH kh fo ’k ;ksa d k s /;k u esa j [k sxk ] t ks jf t LVªh d j.k iz ek .k i= v uq nR r f d ;s t k us ls lac af /k r g S a v kS j f t uesa eq [;r% f uE u “k kf ey g Sa %&

¼d ½ D;k v k osnd pk gs o g ,d O;f Dr] f uxf er f ud k ; v Fk o k , d jft LVªh d ` r Lk k >snk jh Q eZ v Fk ok laLF k k vF kok U;k l g ks] yk xw f o f /k d s varxZ r i at h d r gS (

¼[k ½ D;k v ko snd t ks f d , d f uxf er f ud k ; g S ] v ko snd d s lH kh v H ;k osnd t k s f d lso k f uo f Ù k lyk g mi yC/k d jk rs g Sa] f o f u;e 7 esa ;F k k f ofuf nZ ’V iw.k Z :i s.k ;ksX ; g S a v kS j i z k ek f .k d gSa(

¼x½ D;k v k o snd Lo k f eRo i zf r’Bk u] d E i uh ] lh f er mi k ns;rk v ksa o k yh lk >snk j ;k laLF k k ;k U;k l] Lo k f eR ok f /kd k jdk sa v F ko k lH kh i .k /k kf j;k sa ;k U;k f l;k sa d h c gq yrk ;k U;k l d s lnL; t k s lso k f uo` f Ùk lykg nsus esa i z o` Ùk g Sa] f o f u;e 7 esa ;F k k fo f uf nZ ’V vg Zd vk S j iz k ek f.k d gS aA

¼?k ½ D;k vk osnd ds i k l ,d lso kf uo` f Ùk lyk d k j ds d k ;Zd yk ik sa d k iz Hk ko ”kk yh f uoZ g u d jus ds f y, I k ;kZ I r v k o ”;d c qf u;k nh <kapk g SA

¼M -½ D;k v k osnd ;k v k osnd ls i z R ;{k v Fk ok vi zR ;{k : I k ls lac a/k j[k us o k ys f d lh O;f Dr d k s i z kf /k d j.k }k jk iwoZ esa e /;o rh Z d s : I k esa ;k f d lh d k ;k Zsa d s lac a/k es a i z ek .k i = f n;s t k us d k s uk eat wj f d ;k x ;k g S ;f n g ks rk s ml b Ud k j ds D;k d k j.k F ksA

¼p½ D;k v k o snd ] mlls i z R ;{k ;k v i z R ;{k :I k ls lac a/k j[k us o k ys f d lh O;f Dr] laLF k k d s f o : ) iz kf /k d j.k ;k f d lh f of u;k ed iz kf /k d j.k ;k f d lh ljd k jh f oH kk x ;k f d lh f o R rh ; {k s= d h laLF kk ;k f dlh O;o lk f ;d bd kb Z ;k laLF k k u }k jk lacaf /k r v f /kf u;e] f u;ek sa ;k mlds v /k h u c uk;s x;s f o f u;ek sa d s v arxZ r f iNys i kap o ’kk sZa esa d k sbZ v uq ”kk lukR ed d k jZ ok bZ ;k dk sb Z v U; d k jZ ok bZ d h xb Z g S ;k , slk vk osnu f d ;s t k us v F kok O;f Dr d ks f I k Nys i kap o ’kk sZa esa f d lh U;k ;k f ;d v nk yr }k jk f d lh vk fF kZ d v i jk /k ] f t lesa uS f rd v n~ ;erk varo Z f yr g ks] d s f y, nks’k f l) f d ;k x;k gS (

¼N½ d ksb Z v U; ek i naM f t ls i z kf/k d j.k }k jk v f /klwf pr f d ;k ld s] t S lk f d o g v fH k nk rk vk sa d s f g r esa mf pr le> sA

7- Ikk=rk vkSj izek.khdj.k vis{kk -&

¼d ½ Lk so k f uo` fÙ k lykg nsus d k i z Lrk o d jus o k ys O;f Dr] Lo R o /kk jh ] lk> snk jksa] U ;k f l;k sa] b u f o f u;ek sa d s v arxZ r jf t LVªh d ` r lso kf uo f Ùk lykg dkj d s i zf rf uf /k ;ksa] lnL;k sa d ks g j le; U;wur e v g Z rk,a t k s f d f d lh Hk h ek /;e esa Luk rd g S ] c uk ;s j[k uk gksxk ] v k S j

¼[k ½ O;f Dr vk S j Lo Ro /k k jh ] lk> snk j] U;k f l;k sa] lso kf uo` f Ùk lyk g dk jksa d s i z f rf uf /k v kS j lnL; ;g lq f uf ”pr d jsaxs f d lso k f uo ` f r lykg d k i z Lrko d jus o k ys lH k h O;f Dr;ksa d s i k l] g j le; i j i zk f /kd j.k }k jk v f /k d r laLF kk u l s lso k f uo ` fÙ k ;kst uk f uekZ .k ;k lso k f uo f Ù k i jk e”kZ lso k vk sa i j oS /k i z ek .k i = gksA

i jUrq ;g g S f d , slk i z ek .k i = f uE u ek eyks esa v f uo k ;Z ugha g ksxk %

¼i½ H k k jrh ; iz f rH kwf r c ksM Z ds lk Fk ] mlds v i us f of u;ek sa d s v arxZ r jf t LVªh d ` r f d lh f uos”k lyk g dk j d s ek eys esa

¼ii½ f d lh i z ek f .kd f oÙ kh ; ;k st uk d k j ¼lh ,Q ih ½ ;k lg fo Ù kh ; ;k st ud k j ¼, ,Q ih ½ &Q kb usaf l;y I yk f uax LVS aM M Z l cksMZ b af M ;k ¼, Qi h, lch baf M ;k ½ }k jk f n;s x;s lso k f uo ` f Ùk ;kst uk izek .k h d j.k @.k ksa d s ek eys esaA

¼iii½ I k z kf /k d j.k }k jk f of uf nZ ’V d k sb Z v U; ek eyk

i jUrq ;g v k S j f d iz ek .kh d j.k v is{k k v ksa d s v uq i k yu d s lk F k f ujarjrk lq f uf ”pr d jus d s f y , f ujarj O;o lk f ;d f ”k {k k i w.k Z d jus i j v f /kd ` r laLF k k u ls i z ek .k h d j.k dh oS /k rk v uo flr g ksus ls i wo Z u;k iz ek .kh d j.k ;k fo |ek u i z ek .k hd j.k dk uo h uh d j.k iz kI r d juk g ksxk A


8-izfrHkwfr fu{ksi tek-&¼i½ lso k f uo f Ù k lykg d k j t ks f d , d f uxf er f ud k ; ;k lk >snk jh dE i uh ;k dk sb Z jf t LVªhd ` r U;k l ;k laLF k k gS ] v i uk d k jck j i zk jaH k d jus ls i wo Z jf t LVªh dj.k d s le; : I k ;s , d yk [k d h cS ad f u{ksi ;k f u’i k nu xk jaVh d s : I k esa lq j{k k jkf ”k i zk f /k dj.k d ks t ek d jk , xk A ;g i zfrH kwf r f u{k si @xk jaVh jf t LVªh dj.k d h o k Lrfo d ;k ubZ vo f/k v uq nR r g ksus d s mi jk ar N% ek g d h v o f /k rd o S /k jg sxk A , slk i z f rHkwf r f u{k si ;k xk ajVh f d lh v uq lwf pr o k f .k f T;d cS ad }k jk t k jh dh tk , xh v kS j t gka d k sb Z c Sad lso k f uo f Ù k lyk gd k j d h lso k vk sa d k iz Lrko d jrk g S ] rks i z f rH kwf r f u{k si f dlh vU; v uq lwf pr o k f .k f T;d c Sad d s }kjk f uxZ f er dh tk , xhA

¼ii½ lso k f uo f Ùk lyk gd k j tk s f d dk sb Z O;f Dr ;k Lo kf eR o i z f r’Bk u d k ekf yd gS ] viuk d k jck j iz k jaH k d jus ls iwoZ jf t LVªh d j.k ds le; : I k ;s nl g t k j dh cSad f u{k si ;k f u’i k nu xk jaVh ds : I k esa lq j{k k jk f ”k i zk f /kd j.k dk s t ek d jk, xkA ;g i zf rHk wf r f u{ksi @xk jaVh jft LVªh d j.k dh o k Lrfo d ;k ub Z v o f /k v uq nR r g ksus d s mi jkar N% ek g d h vo f /k rd o S /k jg sxk A Ik zk f /k d j.k }k jk f o f uf nZ ’V le;lh ek ] v f /ko f /k Z r u gk sus rd ] ;f n , slk t ek i zk I r ugh a g sk rk gS rks jf t LVªh d j.k jí gksuk nk ;h g ksxk A

9- jftLVªhdj.k izek.ki= vuqnRr fd;k tkuk -& i zk f /kdj.k }k jk larq f ’V gk sus i j f d v k osnd f o f u;e 6 esa ;F k k fo f uf nZ’V v is{k k v ks d h larq f ’V v kS j v uqik yu d jrk g S b l v k ”k ; dh lalwpuk v ko snd d ks H kst sxk v k S j nwljh v uq Lkwph esa f o f uf nZ ’V jf t LVªh d j.k @uoh uh d j.kQ hl d s lank ; d h i zk fI r g ksus i j , s ls jf t LVªh d j.k ds f uc a/k uk sa v k Sj “k rk sZ a d s v uq ik yu d s v uq lj.k d s v /;/k h u] i zF k e v uq lwph d s v arxZ r ;F k k f o f uf nZ ’V iz :I k [k esa jf t LVªh d j.k iz ek .k i = v uqnR r d jsxk A

10- izek.k i= dh fof/kekU;rk dh vof/k -&f of u;e 9 ds v arxZ r v uq nR r jf t LVªh d j.k i z ek .k i =] b lds t k jh f d ;s t ku s d h f rfF k ls rh u o ’k Z d h v of /k d s f y, fo f /k ek U; jg sxk A

11- izek.k i= dk uohuhdj.k -& ¼1½ i z ek .k i = dh fo f /k ek U;rk v of /k d s v olk u ls rh u ek g iwo Z ] lso k f uo f Ù k lykg dk j] ;f n , slh okaN k d jsa] jf t LVªh d j.k i z ek .ki = d s uo h uh d j.k dks v uq nR Rk fd ;s t k us ds f y, i zi= d esa v k osnu d j ld rk g SA

¼2½ mi f o f u;e 1 d s v arxZ r uo h uh d j.k g srq f d ;s x;s v k o snu i j mlh jh f r esa f o pk j f d ;k t k , xk f t l iz dk j f of u;e 3 d s mi f of u;e ¼2½ d s v arxZ r i z ek .k i = v uq nR r fd ;s t k us d s f y, fd ;s x;s v k o snu i j fd ;k t k rk gS A

i jUrq ;g f d g k ykaf d iz kf /k d j.k ] ok Lrf od v of /k d s nk S jk u lso kf uo` f Ùk lyk g dk j d s dk;Z f u’ik nu] [k ksys x;s u; s [k krk sa lf g r] i j H kh fo pk j d j ld rk g S A

¼3½ mi f o f u;e ¼1½ esa f o f uf nZ ’V le;k o f /k ds H k h rj uo h uhd j.k g srq v kosnu i z k I r ug ha g ksus d s ek eys es a] i z k f /kd j.k }k jk ] ,sls v k osnu i j iz kf /k d j.k }k jk f o fuf nZ ’V fo yEc Q h l ds lk Fk i zkI r gk sus i j f o pk j fd ;k tk ld rk g S A uoh uh d j.k ds f y, dk sbZ H k h v kosnu] f o |ek u jf t LVªh d j.k d h rk jh [k d h v o lk u f rfF k ls , d lk S v Llh f nuksa d h vo f /k ds I k ”pk r Lo h dk j ugh a f d;k t k , xkA

¼4½ f o |ek u lso kf uo f Ù k lykg dk j d ks i z kf /k d j.k ls , slk uo h uhd j.k v uq nR r d jok us d k dksb Z f o ”ks’k k f /k d k j ug ha g ksxk A

¼5½ i z kf /k d j.k ] ;f n og mf pr le> s] uo h uh d j.k d s le; f d lh f o|ek u lso k f uo` f Ùk lykgd k j d ks ys[k c ) f d ;s t k us o ky s d k j.k ksa ls] f d lh i k =rk lac a/k h f uc a/k uksa d k lek /k k u d jus ls N wV ns ld rk g S vk S j ,slh NwV d k s f d lh iz dk j d s f uca/k uk sa d s lf g r ;k f c uk v uq nR r f d ;k t k ldsxk A

12- izek.k i= vuqnRr fd;s tkus ls badkj djus dh n’kk esa izfØ;k -&¼1½ f o f u;e 3 d s v arxZ r f d ;s x ;s v k o snu i j f o pk j d jus d s Ik ”pk r] ;f n i zkf /k d j.k d h ;g jk ; g S f d v kosnd d ks i z ek .k i = ugh a f n;k t k uk pk fg , ] mlds }k jk ys[kc) f d ;s t k us o k ys d k j.k ksa ls v k o snu d k s uk eat wj f d ;k t k ld sxk A v ko snu uk eat wj f d ;s t k us ls i wo Z i zk f /kd j.k v kosnd d ks f o f uf nZ ’V le;lh ek d s Hk h rj df e;k sa d k s nwj d jus d k ;F kk sf pr v o lj i z nk u d j ld rk g SA

¼2½ i zk f /kd j.k }k jk v kosnu d k s uk eaat wj f d ;s t k us ds f u.k Z ; d h lalwpuk vk osnd d ks ,slk fo f u”p; f d ;s t k us ds rh l f nuksa d s v i ”pk r nh t k, xh A

¼3½ t gk a iz kf /k d j.k }k jk uoh uh d j.k i z ek .ki = gsrq f d ;s x;s v k osnu d ks uk eat wj d j f n;k t k rk g S vk osnd iz k f /k d j.k }kjk jf t LVªh d ` r lso k f uo f R r lyk g dk j d s : Ik esa d k ;Z d jus ls i z fojr jg sxk A

i jUrq ;g f d b u fo f u;eksa esa , slk dq N H kh varZ f of yr ug ha g S t ks f o f /k ds v /k h u vk osnd d k s mlls t qM +s v fH k nk rk vk sa d s lac a/k esa mld h ns;rk v k sa d ks i z Hk kf o r d jsxk A

13- izek.k i= dh ’krZsa -&f ofu;e 9 d s v arxZ r v uq nR r d ksb Z jf t LVªh d j.k i z ek .k i = f uE uf yf[k r “k rksZ a d s v /;/k h u gk sxk %&

¼d ½ lso k f uo f R r lyk g dk j vf /kf u;e v k S j b u f of u;ek sa d s i z ko/k k uksa v k S j jk ’Vªh ; isa”k u i z .k k yh d s o S f ”k ’V; ls v kc )d j jg sxk A

¼[k ½ lso kf uo f R r lyk g dk j ;f n i z kf /k d j.k d ks i wo Z esa f n;s x;s eg R oiw.k Z f oo j.kk sa esa ls f d lh t k ud k jh v Fk ok fo o j.k d ks f eF ;k ;k H kz k ed i k rk gS vF ko k i wo Z esa nh xb Z f d lh tk ud k jh esa d k sb Z egR oiw.k Z if jo rZ u g ksrk g S ] b ld h v fo yEc lwpuk i zk f /k d j.k d k s f yf [k r : Ik esa nsxk A

¼X k ½ lso k f uo` fR r lykg d k j v i us uk e d s lk Fk ^lso k f uo ` fR r lykg d k j* “k Cn dks lef o ’V d jsxk A


¼?k ½ i jUrq ;g f d ;g ;f n lso k f uo f R r lykg dk j d h lso k ,d i F k d : Ik ls v fH k Ks; f o H kkx ;k i z Hk k x ;k , d v /k h uLFk d s }k jk mi yC/k d jk bZ t k jg h g S rk s , slk i` Fk d f oH kk x ;k i zH kk x ;k v /k h uLFk vi us uk e d s lkF k ^ lso k f uo` fR r lykg d k j* “k Cn lek f o ’V d jsxk A

14- jftLVªhdj.k izek.ki= dk fuyEcu vkSj jídj.k fd;k tkuk -&lso k f uo` fÙ k lyk g dk j d ks i z nk u f d ;k x;k jf t LVªh d j.k i z ek .ki = f uE uf yf[k r ek eyksa eas f uyf E c r] jí ] lag j.k ;k ok i l f y;k t k uk ] t S lk H kh ek eyk gks] g ksuk nk;h g ksxk v F kk Z r ;f n lso k f uo f Ù k lyk g dk j % &

¼d½ f d lh , slh “k rksZ a d k i k yu d jus esa v lQ y jg rk gS ft ld s vk /k k j i j mls i at hd j.k iz ek .k i = i z nk u f d ;k x;k g S(

¼[k½ isa”k u f uf /k fo f u;k ed vk S j fo dk l iz kf /k d j.k vf /k f u;e] 2013] mlds v /k h u c uk ;s x;s f o f u;ek sa d s f d Ugh mi ca/k k sa v k S j i zk f /kd j.k }k jk le;≤ i j t k jh ,sls v U; ek xZ n”k Z d f l)kark s ;k f unsZ ”k ksa d k mY ya?k u d jrk g S ;k (

¼Xk½lso kf uo` f Ùk lykg dk j ds d k ;Z i k yu ls lac af /k r iz k f /k d j.k }k jk ;F kk vi sf {k r dk sb Z lwpuk nsus esa v lQ y jg rk g S

¼?k½ i z ek .k i = vf Hk iz kI r d jus g srq f n;s x;s v k o snu esa v lR ; ;k xyr t k ud k jh nsrk g S ;k egR oiw.k Z t k udk jh f Nik rk gS ;k i zd V d jus esa f o Q y jg rk g S (

¼M½ i zk f /kd j.k }k jk ;F kk vi sk f {kr v k of /k d f oo jf .k ;ka i z Lrq r ug ha d jrk g S (

¼p½ v f H k nk rk vksa d h f ”k dk ;rk sa d k f ujkd j.k d jus esa v lQ y jg rk g S ;k b lds lac a/k esa i z kf /k d j.k dks lek /k k uiz n : I k esa mÙ k j nsus esa v lQ y jg rk g S (

¼N½ i zk f /k d j.k }k jk v k ;ksf t r fd lh tkap esa lg ;k sx ug h a d jrk g S (

¼Tk½ v fH k nk rk vksa d s f g rksa i j i zf rd wy i zH kk o M k yus ;k mud s fg rk sa;k lko Z tf ud f g rds f o :) jh f r esa d k ;Z d jrk gS ;k jk ’Vªh ; isa”k u i z .kk yh ds Ø f ed f od k l d ks i z lk f jr ugh a d jrk ;k mDr ;k st uk dk mY ya?k u d jrk g SA

¼>½ ;f n mld s f o : ) fd lh v f Hk d j.k ;k i zk f /k d j.k us d iV ;k f o R rh ; v uqf pr O;o g k j d s lac a/k esa d k sb Z t kap i z kajH k dh g ks ;k mld s f o : ) fd lh fo f u;k ed b dk bZ ;k ljd k j }k jk v o jk s/k d ] of t Z r] vf Hk f u’ks/k k R d ;k bl i zd f r d k d ksb Z v k ns”k f n;k x;k gk s ;k ml i j U;k ;k f /kd j.k }k jk v k fF kZ d v i jk /k ;k ft lesa uS f rd v /k erk “kk f ey g S ds f y, nks’k f l) f d ;k x;k g ksA

¼´ ½ d k ;Z ;k yksi ksa ls lac af /k r d k sb Z v U; xf rf o f /k ;ka f t ls i z kf /k d j.k }k jk v f /klwpuk ;k i f ji= ;k ek xZ n”k Z d fl)k ark sa d s ek /;e ls f o f uf nZ ’V f d ;k tk ldsA

15- lsokfuo`fÙk lykgdkj }kjk /kkfjr dh tkus okyh Qhl -& ¼1½ lso k f uo ` fÙ k lyk gd kj jk ’Vªh ; isa”k u i z .kk yh esa “k kf ey g ksus g srq lso k f uo ` fÙ k lykg v kSj lq f o /kk mi yC/k d jk ;sxk v k S j jk ’Vªh ; i sa”k u i z .k k yh ds v ar xZ r v uq o rhZ lso k vkas d k s v f H k iz kI r d jus esa lg k ;rk d jsxk A lso k f uo ` fÙ k lyk g ] ;kst uk esa c us jg us v k S j v uq o rh Z lso kv ksa ;k ysu&n s u d s f y, lso k f uo` f Ùk lyk g dk j] i z kf /k d j.k }k jk f of uf nZ ’V f d ;s t k ld us o k ys v f /k d re “k qY d d s v /;/k h u Q hl iz Hk kf jr d j ld sxk A

jk ’Vªh ; i sa”k u iz .k k yh ds v arxZ r , d laH kk f o r v fH k nk rk dk s “kkf ey d jus d s f y, mif j lh ek , d lk S c hl : Ik ;s g ksxh f t le sa i z kf /k d j.k }k jk le;≤ i j la”k k s/k u f d ;k t k ldsxk v k S j i z kf /k d j.k }k jk ;Fk ksf pr i f ji=@ek xZ n”k Z d f l) kark sa@f unsZ ”k ksa d s f uxZ e d s ek /;e ls f of uf nZ ’V fd ;k t k ldsxk A vk Wu ck sf M Zax Q h l d k Hk q xrk u dso y iat h d j.k iz f Ø ;k ds i w.k Z g ksus@v f H k nkrk d s v k Wuck sM Z g ksus v k S j O;f ’Vd i sa”k u [k k rk ds l` t u ds I k ”pk r v k ns; g ksxk A

f d lh iz d k j d h v uqo rhZ lso k vk sa d s f y, ] O;f Drxr lso k f uo f Ù k lyk g dk j] iz f r laO;o gk j i j ch l :I k ;s ;k v f /kd re lk S :I k; s o k f ’k Zd ] f t lesa i z k f /kd j.k }k jk le;&le ; i j] b l lac a/k esa t S lk f d ;F kksf pr v f /k lwpuk v ksa] ek xZ n”k Z d f l)k ark sa]i f ji =k sa ;k f unsZ ”k ksa d s i f jf uxZ e ds ek /;e ls f o f uf nZ ’V f d ;k t k lds] la”k ks/k u f d ;k t k ldsxk ] d ks i z Hk kfjr d jus d k g d nk j g ksxk A

¼2½ , d laH kk fo r vf Hk nk rk ;k v f Hk nk rk ;k lewg ;k la;q Dr v f Hk nk rkv ksa d s , d o xZ d ks lyk g i z nk u d j jgs lso kf uo f Ùk lyk g dk j t ks f d , d O;f Dr ;k , d dE i uh ;k f uxf er f ud k ; ;k d ksb Z v U; laLF kk g S ] t S lk f d iz kf /k d j.k }k jk ;Fk ksf pr v f /k lwpuk v ksa] ek xZ n”k Zd f l) kark sa] i f ji =ks ;k f d lh v U; f unsZ ”k ksaa ;f n d k sb Z g ks d s f uxZ e ds ek /;e ls f o f uf nZ ’V d h t k ld us o k yh mi f j lh ek ds v /;/k h ulyk g dk j “k qY d i zH kk f jr d j ldrk g SA

, sls ek eyksa e]sa Q h l] lso k f uo f Ù k lyk gd k j v kS j laH k kf o r v fH k nk rk @v fH k nk rk vksa d s c h p f yf [kr d jk j ds v uq lk j vk ns; g ksxh A b lds v f rf jDr] , d lso k f uo` fÙ k lyk g d k j ;g lqf uf ”pr d jsx k f d i z Lrq r lso k vk sa d s f y, v f Hk nk rk vksa d s le wg lf g r laH kk f or v f Hk nk rk @v fH k nk rk vk sa ls i zH kk f jr d h tk us o k yh Qh l mf pr] rd Z laxr v k S j lE es; g S A

I kz nk u d h xb Z lso k ds f y, Lk ad f yr lH kh i zH kk jksa v k S j Q h l d k s lso k f uo f Ù k lykg dk j }k jk mi ;q Dr i z kf I r;ka t k jh d j lE;d : I k ls v fH k Lo h d r f d ;k t k, xkA


16- Lksokfuo`fÙk lykgdkj dh fuxjkuh ds fy, fudk; ;k fuxfer fudk;-&

¼1½ Lk so k f uo ` fÙ k lyk g dk j ds f d z ;k d yki ksa d h f uxjk uh ds i z ;k st uk Fk Z i zk f /k d j.k f d lh f udk ; ;k f uxf er f ud k ; d ks v f H kKk r d j ld rk g S A

¼2½ I k z kf /k d j.k ] , sls f ud k ; ;k f uxf er f ud k ; d k s Lo h d ` f r v uq nÙ k f d ;s t k us d s le ; , s ls f ud k ; ;k f uxf er f ud k ; d k s , sls f uca/k uk sa v k S j “k rk sZa t S lk fd i zk f /kd j.k }k jk fo f uf nZ’V fd ;k t k lds] lso k f uo` f Ùk lyk g dk j ds I k ;Z os{k .k vk S j iz ”kk lu i z R ;k ;k sf t r d j ld rk g S A

¼3½ i z k f /k d j.k ;g f of uf nZ ’V dj ld rk g S f d d ksb Z Hk h O;f Dr lso k f uo` f Ùk lyk gd k j ds : I k esa rc rd d k ;Z ug h a d j ld rk t c rd f d o g f dlh v fH k Kkr f ud k ; ;k f uxf er f ud k ; d k lnL; u g ks v k S j ,sls ek eys esa , sls f ud k ; ;k f uxf er f ud k ; d s b u f o f u;eksa v k S j mi f o f /k ;k sa ;k v uq PN snk sa d s mi c a/ k , sls lso k f uo ` fÙ k lykg dk j i j v k o ”;d i f jo rZ uksa d s lk F k ykxw g ksaxsA

v/;k; AAA

lkekU; nkf;Ro vkSj mÙkjnkf;Ro

17- lkekU; nkf;Ro -&

¼d ½, d lso kf uo f Ù k lykg dk j v i us vf Hk nk rkv ksa@laH k k fo r vf Hk nk rk vksa d s ens f o ”o luh ; {k erk ds lk Fk dk ;Z d jsxk vk S j lH kh i z dk j ds f g r la?k ’k Z tk s H kh vk S j t c dH kh Hk h mR i Uu gks] d k s Li ’V d jsxk A

¼[k ½ , d lso k f uo f Ù k lyk g dk j laH k kf o r vf Hk nk rkv ksa d k s lso k, a mi yC/k d jk us gsrq i at h d r mif LF kf r v f LrRo ds lk F k xBt ksM + d j ld rk g SA lso k f uo` f r lykg d k j dk s , sls O;o LF kk i u d jus esa mi f LF k f r v f LrR o dh la[;k i j f d lh i zd k j d k d ksb Z iz f rca/k ug ha g k sxk i jUrq ;g f d ,slk djus ls v f H k nk rk vk sa d s f g r] i zf rd wy : I k ls i zH kk fo r u gk srs g ksaA

¼X k ½ Lkso kf uo f Ù k lykg dk j }kjk jk ’Vªh ; i s”k u i z .kk yh ¼, uih, l½ ;k i zk f /k d j.k }k jk f of u;f er v U; isa”k u ;k st uk ] f t ld s lac a/k esa lyk g nh tk rh gS ] ds v f rf jDr laH kk fo r ;k v fH k nk rk f t ls lyk g nh xbZ gS d ks N ksM +d j f d lh v U; O;f Dr d h vk sj ls f d lh {k f riwf rZ ;k i kf jJ f ed ;k f d lh v U; iz : Ik i j f o pkj ug h a d jsxk A

¼?k ½ lso k f uo` f Ùk lyk gd k j v fH knk rk d s i sa”k u [k k rs esa f uo s”k ;k v a”k nk u d jus g srq lso k f uo f Ùk lyk g dk j d h {k erk d h :I k e sa f d lh i zd k j dh jkf ”k d k lad yu ug h a d jsxk A

¼³½ lso kf uo f Ùk lykg dk j laH k kf o r vf Hk nk rk ;k v fH k nk rk dks iat h d j.k gsrq jf t LVªh d j.k izi =] f ud kl i zi =] f of Hk Uu v U; i z i = v isf {k r mikarj.k ;k O;f Drxr eq [; f o o j.k ksa] mi f LFk f r v f LrR o ] isa”k u f uf /k ] f uos”k fod Y i esa i f jo rZ u vk S j jk ’Vªh ; i sa”k u i z .kk yh ;k v U; i sa”k u ;k st uk vk sa d s v /k h u lac af /k r v U; xf rf of/k ;k saa d s lac a/k esa alyk g nsxk A

¼p½ lso k f uo` f Ùk lyk gd k j vf Hk nk rk d ks v k of /k d vk /k k j i j i sa”ku f uf /k ;k sa d s d k ;Z i z n”k Z u] v /kh uLF k v kf Lr i ksVZ Q ksf y;k s ] , u, o h] lk ek U; f oR rh ; ck t k j : > k u ;k v U; lq laxr t k ud k jh bZ esy] lwpuk i =k sa ;k f of uf nZ ’V ek /;ek sa d s }k jk mi yC/k d jk ;sxk A

¼N½ lso k f uo ` fÙ k lyk g dk j v fH knk rk d ks f o fH k Uu uh f r;ksa , o aa i zk f /k d j.k }k jk tk jh ek xZ n”k Zd fl) kark sa] ;k jk ’Vªh ; i sa”k u i z .kk yh U;k l lf g r] jk ’Vªh ; i sa”k u i z .k k yh d s varxZ R k e/;o f rZ ;ksa ls lac af /k r v U; t k udk jh dks , d vk of /k d v k /kk j i j mi yC/k d jk ;sxk A

¼T k ½ , d lso kf uo f Ùk lyk g dk j v i uh v U; xf o f o f /k ;k sa v k S j , d lso kf uo f Ùk lyk g dk j d s : I k esa mld h xf rf o f /k ;k sa d s e/; I k ;kZ I r varj c uk ;s j[k sxk A

¼>½ , d lso k f uo` f Ùk lyk gd k j t ks f d lso kf uo` f Ùk lyk g dk jh ; lso k ds v f rf jDr H kh v U; xf rf of /k ;ksa esa “k k f ey gS ;g lq f uf ”pr d jsxk f d mldh lso k f uo` f Ùk lykg lso k ,a mld h lHk h v U; xf rfo f /k ;ksa ls Li ’V : Ik ls i ` Fk d jg sA

¼´ ½ Lk so k f uo f Ù k lykg dk j ;g lq f uf ”pr d jsxk f d v U; xf rf o f /k ;ksa d s lk F k lso kf uo f Ùk lykg d k j dh xf rf o f /k ;k sa d s f g rk sa d s la?k ’k Z d s f d lh ek eys esa] , sls fg rk sa d s la?k ’kZ ds c k js esa laH k kf or v f Hk nk rkv kas ;k v f Hk nk rkv ksa i g ys g h lq Li ’V d jsxk A

¼V½- lso k f uo ` fÙ k lyk gd k j v i us laH kk fo r ;k vf Hk nk rksa d h xksi uh ; t k ud k jh ] tk s mlds laK ku esa v k ;h gk s] f c uk laH k kf o r ;k v f Hk nk rk d h v uq ef r ds] f lo k; f d ,slk iz d Vh d j.k f d ;k t k uk i z pf yr f d lh dk uwu d s v uq ik yu ds rg r v isf {k r g ks] ds v f rf jDr iz d V ugh a d jsxk A

¼B½ , d lso k f uo f Ù k lyk g dk j i z kf /k d j.k }k jk le; le; i j ;F k kf o f uf nZ ’V ^ v i us xz k gd d ks t k us* i z f Ø ;k dk v uqi kyu d jsxk A

¼M ½ lso k f uo f Ù k lyk gd k j i zk f /kd j.k }k jk f of uf nZ ’V vk pk j lafg rk ls v k c) d j jgsxk A

¼<½ lso k f uo` f Ùk lykg dk j dai uh f u;a=.k esa i f jo rZ u ds ek eys esa le;c ) lwpuk i z kf /k d j.k d ks nsxk A

¼.k ½ lso kf uo f Ù k lykg d k j lwpuk ;k f jiksVk saZ d ks t S lk i zk f /kd j.k }k jk le; le; i j f of uf nZ ’V f d ;k tk ;s] i zk f /kd j.k dk s nsxk A


¼r½ lso k f uo f Ù k lykg dk j d k ;g nk f ;R o g ksxk f d o g lqf uf ”pr d js f d mld s i z f rf uf/k v k S j lk >snk j] lH k h le; i j i z kf /k d j.k }k jk ;Fk k f of uf nZ ’V i z ek .k h d j.k vk S j vg Z rk lac a/k h v is{k k v ksa d s v uq ik yu d ks] t S lk yk xw g ks] d k v uqi k yu d jsaxsA

18- dk;Z{ks=-& , d lso k f uo` fÙk lykg d k j }k jk f uE u d R ;ksa d k s f d ;k t k, xk %

¼i½ jk ’Vªh ; i sa”k u i z .k k yh vk S j i z kf /k d j.k }k jk fo f u;f er v U; i sa”k u ;k st uk v ksa d s lac a/k esa t k x: d rk i S nk d juk lso k f uof Ù k lyk g dk j d k lc ls eg Ro iw.k Z nk f ;R o g ksxk A

¼ii½ jk ’Vªh ; i sa”k u i z .k k yh ;k i zk f /k d j.k }k jk fo f u;f er v U; i sa”k u ;k st uk esa laH k k fo r v fH k nk rk vk sa d ks “k k f ey g ksus d s f y, lg k ;rk i z nk u d juk A

¼iii½ laH k k f o r vf Hk nk rkv ks d k s o ` )k o LF kk v k ; lq j{k k ] lso k f uo` fÙ k ;k st uk f uekZ .k ] muds }k jk f d ;s t k ld us o k ys v a”k nk u d s Lrj] o kaf N r lso kf uo f Ù k mn~ ns”;k sa d ks g k fly d jus ds mud s o rZ ek u vk S j H k fo ’; dh laH kk f o r v k ; ds laac a/k esa v kS j b u f u.k Z;k sa d k s ysus ls lac aaf /k r v U; eq n~ nksa v k S j di Viw.k Z fo Ø ; dh laH k ko uk v ksa ls c pus g srq i jk e”k Z nsuk A

¼iv½ laH k k f o r vf Hk nk rkv ksa v k S j v U; v f H k nk rk vksa d k s lso k f uo f Ù k c pr gsrq ;k st uk f uek Z .k esa lg k ;rk nsuk A

¼v½ lso k f uo f Ùk lyk g dk j ls laH k kf o r vf Hk nk rkv ksa d s lk F k O;o g k j d s nk S jk u O;o lk f ;d lE ;d lk o /kk uh d k f u’i k nu v isf {k r g S vk S j b l lanH k Z esa v k o ”;d n{k rk d k g ksuk v isf {k r gS A

¼vi½ lso k f uo ` fR r lykg dk j laH kk f o r v fH k nk rk vk sa d s lkF k O;ogk j d s nk S jk u Lo ra= v k S j f u’i {k o k rko j.k mi yC/k d jk ;sxk ] t ks mUg sa K k r laO;o g k jd f u.kZ ; ysus esa lg k ;d g ksxk v k S j b l i z ;k st uk Fk Z laH kk fo r@v fH k nk rk vk sa ds f g rksa d k s v xz .kh c uk k ;s j[ksxk A

¼vii½ lso k f uo` f Ùk lykg dk j]laH kkf o r vf Hk nk rkv ksa ;k v f Hk nk rkvk s d ks] mud s f uE u i g yq vk sa i j f o pk j d jrs g q, vk S j lo ksZ Pp c sg rj f u’Bk vk S j lk Q &lq Fk jh c k tk j O;o LFk kv ksa d s v k /k k j i j lc ls mi ;q Dr ;k st uk d k ladyu v k S j i jk e”k Z nsuk v isf {k r g SA

¼d ½ laH kk fo r v fH k nk rk d h ewyH k wr t k udk jh Tk S lk f d vk ;q ] o So k fg d f LFk f r] f uH k jZ rk ] o rZ ek u v k f Lr;ka] ns;rk , a] v k ;] [k jh n ;kst uk ] lso k f uo ` fÙ k v k ; ;k st uk ] lso kf uo f Ù k ds I k ”pk r d h ;k st uk, a] ik f jok f jd Lok LF ; b f rg k l vk S j nh ?k kZ ;q v k S j o rZ ek u Lok LF ; f LFk f r ls lac af /k r t k ud k jh d ks laxz f gr d jrs g q , lo ksZ Ù k e mRi k n d h [k jh n gsrq laH k kf o r v f Hk nk rk d h v ko ”;d rk vk sa i j lE ;d rR i jrk c jruk A

¼[k ½ laH kk fo r vf Hk nk rk d h f o Ùk h; v k S j lso k f uo` fÙ k y{;k sa d ks f pfUg r d juk A

¼x½ laH k k fo r vf Hk nk rk d h o rZ eku f o Ù kh ; iz kf LF kf r vk S j o rZ ek u f uo s”k ksa d k fo ”ys’k .k d juk

¼?k ½ laH k kf o r v fH k nk rk ;k vf Hk nk rk dk tk sf [k e i ` ’BH kwf e

¼³-½ v kf Lr v kcaVu

¼p½ f uo s”k vk caVu j.k uh f r

¼N½ v k of /k d f uxjk uh vk S j lark syu

¼T k ½ Lo ;a v Fk ok if jok j d h rRd k yh u vk S j lf Uud V H kf o ’; dh f oR rh ; iz f rc ) rkv ksa d h laH k k O;rk A

¼viii½ Lk so k f uo f Ù k lyk gd k j vf H k nk rk dk s i zk f /kd j.k }k jk f o fu;f er i sa”k u ;k st uk v k sa d s yk H k ksa d k s i zk I r d jus esa] v a”k nk u] f uo s”k ksa d s v k caVu v k S j i sa”k u f uf /k ;k sa d s p;u d s c k js esa v k lk u f u.k Z ;ksa d k s ysus esa lg ;k sx d j rs g q , ] leF kZ d jsxk A

¼ix½ Lk so k f uo f Ù k lykg dk j f uxek sa v kS j ljdk jh f oH kk xksa d s lkF k muds d eZ pkf j;k sa ds f y, lso k f uo ` fÙ k ;k st uk vksa d s laca/k esa t k x: d rk d k ;ZØ e pyk us gsrq lg Hk k xh g ksxk A

¼x½ Lk so k f uo f Ù k lykg d k j laH kk fo r v fH k nk rk dh :i js[kk vk S j f o |ek u c kt k j i f jf LF kf r;k sa] v k Sj f o Ùk h ; ck tk j vk S j v F kZ O;LFkk d s f o f Hk Uu ek un.M k sa esa laH k k for o ` f ) i j Lk E ;d :I k ls f o pk j d jus d s I k ”pk r f o fH k Uu fo Ù kh ; i z f rH kwf r;k sa d s t k sf [k e v k S j i z f rykH k ds c k js esa leq f pr : Ik ls ek xn”kZ u d jus vk S j i jk e”kZ nsus v k S j lkF k gh i zR ;sd vk f Lr o xksZ a ;F k k & b f Do Vh ] ljd k jh i z f rH kwf r;k sa] f uxe _ .k i =ksa esa f uf /k v kcaVu d s lc ls mi ;q Dr v uq ik r ds c k js esa H k h ] lykg nsus esa leF k Z g ksxk A lso k f uo ` fÙ k lyk g dk j f dlh v k f Lr d s i z n”k Z u gsrq f d lh iz dk j d h xkajVh / k k f jr ugha d jsxk A

¼xi½ Lk so k f uo` f Ùk lykg dk j iz k f /kd j.k }k jk mi yC/k v kS j Loh d ` r t k ud k jh ds v k /k k j i j] isa”k u f uf /k }k jk f d ;s x;s f uo s”k k sa v kS j ;k st uk d s iz f rykH kk sa d h rq yuk lf g r isa”k u f uf /k ds i z n”kZ u i j t k x: d rk mR i Uu d j ld rk g S A

¼xii½ lso k f uo` f Ùk lykg dk j e/;o f rZ ;ksa d k s , d le;c ) jh f r esa t k udk jh vk S j nLrko st ksa d k s ik jsf ’k r d jsxk ]v k S j v f Hk nk rk v ksa ls lad f yr O;f Drxr t k udk jh dh lH kh le; i j lok sZ PPk xksi uh ;rk c uk ;s j[ksxk v kS j v fH k nk rk dh lg ef r f y;s fc uk mld k mi ;k sx f d lh v U; xf rf o f /k ds f y, ugh a d jsxk A


19- tksf[ke i`"BHkwfe-& lso k f uo ` fÙ k lyk g dk j ;g lq f uf ”pr d jsxk f d &

¼d ½ o g laH kk fo r v fH k nk rk ;k v f Hk nk rk ls ,slh t k udk jh tks f d lso k f uo` f Ùk lykg nsus d s i z ;k sT k uk Fk Z v if jg k ;Z g S ] f t uEksa f uE u lek f o ’V g S %&

¼i½ v k ;q

¼ii½ v k ; f o o j.k

¼iii½ f o |ek u lso kf uo` f Ùk c pr@v k f Lr;ka

¼iv½ t k sf [k e o g u {k erk @lg u”k h yrk

¼v½ n s;rk , a@_ .k f oo j.k

¼vi½ i f jo k j d s v kf J r lnL;

¼vii½ t h o u@Lo k LF ; c h ek fo o j.k

¼viii½ v U; lac af /k r t k ud k jh

t k sf [k e i ` ’BH kwf e i = t S lk fd v uq lwph 4 esa f o f uf nZ ’V f d ;k x;k g S ;F kk i zk f /k d j.k }k jk le;≤ i j la”k k sf /k r] v fH ki z kIRk d jsxk A

¼[k ½ o g t ksf [k e f u/kk Z j.k gsrq ,d i zf dz ;k dk ik yu d jrk gS ft ls , d laH kk f o r v fH k nk rk ;k v f Hk nk rk mBk us d h o kaN k j[k rk g S vk S j leF kZ gS ] ;F kk

¼i½ v k esyd g kf u gsrq laH kk fo r v f Hk nk rk d h {k erk dk ewY ;kad u

¼ii½ b l c k r d k f u/kk Z j.k d juk f d D;k laH kk fo r v f Hk nk rk f uo s”k i zf dz ;k esa f uf g r c kt k j tk sf [k e dh v o /kk j.kk d ks le>us d h f LFk f r esa g S A

¼iii½ laaH k k f o r v fH k nk rk dk s i z ”uk sa d h i z f rf Ø ;k vkas d h mi ;q Dr O;k [;k d juk v k S j f uf ”pr mÙ k jksa i j v ui ;Z q Dr H kk j v k jksf i r u d juk A

¼iv½ ;g le>us v k S j ewY ;k af d r d jus es a leF k Z g ksuk f d lso k f uo ` fÙ k ;k st uk, a f t uesa nh ?k Z d k yh u f uE k kZ .k iwo Z v of /k ] vk S j ;k st uk ls “k h ?kz rjyrk ;k f udk l “kk f ey gS ] ykH ki z n ugha g S A

¼X k ½ T kg ka lk /k uksa d k b Lrsek y t k sf [k e i ` ’BH kwf e d s f y, f d ;k t k rk gks] ;g lq f uf ”pr f d ;k t k uk pkf g, f d lk /k u iz ;kst u g srq mf pr g ks v k S j lh ek, a f u/k kZ f jr g ks v k S j d e g ksA

¼?k ½ T k ksf [k e LF kk i uk ] f tls laH kkf o r vf Hk nk rk o g u d jus d h ok aN k j[k rk gS vk S j leFk Z g S ] g srq i z ;q Dr fd lh i z ”uk o yh esa d k sb Z H k h iz ”u ;k f oo j.kh f u’i {k ] Li ’V v k S j H kz eiw.k Z u gk s v kS j ;g lqf uf ”pr d jsxk f d

¼i½ I k z ”uk o yh v Li ’V ugh a g S ;k nk sg jh ud k jk R ed rk d k b Lrsek y u g k s ;k , sls t f Vy H k k ’kk esa u g k s f t ls laH k kf o r v f Hk nk rk ug ha le> ld rk g ksA

¼ii½ I k z ”uko yh , sls jh f r esa lajf pr u g k s f t lesa H k z ei w.k Z i z ”u g ksA

¼³½ laH kk f o r v fH k nk rk dh tk sf [k e i ` ’BH kwf e d k f u/k kZ j.k gks t k us i j] mls laH kk fo r v fH k nk rk dks lalwf pr d j f n;k t, xk A

¼p½ t k sf [k e f u/k kZ j.k dk s laH kk f or v f H k nk rk ;k v fH k nk rk }k jk mi yC/k t k udk jh ds v k /k k j i j v k of /k d vk /k k j i j v| ru f d;k t k rk g S A

20- laHkkfor vfHknkrk@vfHknkrkvksa dks izdVhdj.k -&

¼d ½ lso k f uo f Ù k lyk gd k j laH kk fo r v fH k nk rk dk s] v i us lH kh O;o lk ;] “kS {k f .k d b f rgk l] O;o lk f ;d vg Z rk v ksa lf g r mlds c kjs esa lH k h o k Lrf o d t k udk jh ] vuq ”k k luk R ed d k jZ ok bZ bf rgk l o s “k rsZa v k S j f u;e f t u i j o g lyk gd k j lso k ,a i z Lrq r d jsxk ] v U; e/;o f rZ ;k sa d s lk Fk lac ) hd j.k vk S j ,slh v U; t k ud k jh t ks f d mldh lso k ,a ysus v k S j u ysus d s K k r f u.k Z ; ysus ds f y, vf uo k ;Z g S ] d k i zd Vh d j.k d jsxk A

¼[k ½ lso kf uo f Ù k lyk gd k j vius laH k k fo r v fH k nk rk dk s f d lh H k h f o pk j.k pkg s o g i k f jJ f ed ;k {k f riwf rZ ;k f d lh v U; : I k esa] t S lk Hk h g ks] mld s }k jk i zk Ir ;k i zk I r;ksX ; d k iz d Vh d j.k d jsxk A

¼X k ½ lso k f uo` f Ùk lykg dk j vius laH k kf o r vf Hk nk rk d ks jk ’Vªh; i sa”k u i z .kk yh ;k iz k f /k d j.k }k jk fo f u;f er f d lh ;kst uk d s v /k h u fd lh e/;o rhZ ds lk F k ;k d s laca/k esa mR i Uu g q , f d lh H k h ok Lrf o d ;k laH kk fo r fg rks d s Vd jk o ft lesa , slh ok Lrfod


t k ud k jh ;k rF ; t ks f d lso kf uo f Ù k lyk gd k j lso k vk sa d s fu’i k nu es mld h o Lrq f u’Brk ;k Lo ra=rk d k s t ksf [k e esa M ky ld rk gS ] lekf o ’V g S ] d k i z d Vh d j.k d jsxk A

¼?k ½ lso k f uo` f Ùk lyk gd k j i jke”k Z nsrs g q , laH kk fo r v f Hk nk rk d k s lso k vk sa d h eq [; f o ”ks’k rkv ksa ls lac af /k r ;k f o ”k s’k : I k ls mR i k n ;k i zf rHk wf r;k sa] f o f Hk Uu i sa”k u f uf /k ;k sa v k S j o kf ’kZ dh lso k i z nk rkv ksa }k jk i z Lrq r f o fH k Uu f uo s”k v k f Lr o xksZ a v k S j o kf ’kZd h ;k st uk v ksa d s d k ;Z f u’i k nu vf Hkys[k k sa ls lac af /k r ok Lrfo d tk ud k jh dk I k ;kZ I r i z d Vh d j.k d jsxk A

¼³½ lso k f uo` fÙ k lykg dk j laH kk fo r v f Hk nk rk d k /;k u f uos”k fo d Yi vk S j ok f ’k Z dh fo d Yi ftld h og laH k kf o r vf Hk nk rkv ksa ;k v f Hk nk rkv ksa d s f y, laLrq f r d j jg k gS ] ls lac af /k r iz pk j lk exzh ] nLrk ost k sa esa psrk o f u;k sa] v Lo hd j.k ksa] d h v ksj d jk ;sxk A

¼p½ lso k f uo` f Ùk lykg dk j jk ’Vªh; i sa”k u i z .kk yh dk s f d lh v U; mR i k nk sa d s lk Fk f dlh xBt ksM + ;k v U; f o R rh ; mRi k n ds lkF k lalxZ esa i z Lrko u gk sus ;k lso kf uo f Ù k lyk gd k j }k jk mi yC/k lso k vk sa d s c k js esa lalwf pr d jsx k A

¼N½ lso k f uo` f Ùk lykg d k j fd lh i z dk j d k o DrO; nsus ls t k s f d jk ’Vªh ; i sa”k u i z .kk yh ;k iz kf /k d j.k dh Nf o dks f d lh : Ik esa v i ekf ur ;k v iz f rf’Br ;k f od ` r d jrk g ks] ls i jgst d jsxk A

21- vfHkys[kksa dks cuk;s j[kk tkuk-&

¼d ½ lso k f uo f Ù k lyk gd k j }k jk f uE u v fH k ys[k ksa %&

¼i½ laH k kf o r vf Hk nk rkv ksa@v f H k nkrk v ksa d s v i us xz kg d dk s t k us v f Hk ys[k ksa d k s

¼ii½ t k sf [k e i ` ’BHk wf e i = t S lk fd pk S Fk h v uq lwph esa f o f uf nZ ’V g S ;F k k iz kf /k d j.k }k jk le;& l;e i j la”k k sf /k r] lE ;d : I k ls H k jk g qv k v kS j laH k k fo r vf Hk nk rk@v f Hk nk rk d s lkF k v k S j v fH k nkrk }k jk g Lrk {k f jr le>k S rs d h i z f r;ka] ;f n d ksb Z gk s

¼iii½, d jf t LVj ;k laH kk fo r v f Hk nk rkv ksa ;k v f Hk nk rkv ksa d h v f Hk ys[k varf o Z’V lwph ] i jk e”k Z dh f rfF k ] i zH kk f jr Qh l] , sls i jk e”k Z ds f y, ;f n d ksb Z gks

¼iv½ d k sb Z v U; nLrk o st ;k vf Hk ys[k ] t Slk f d iz kf /k d j.k }k jk v f /k lwf pr f d ;k tk ldsA

¼[k ½ v fH k ys[k k sa d k s H kk Sf rd v kS j b Y kS DVªksf ud i zk : iksa es a , slh jh f r es c uk ;s j[k k t k ;sxk t k s i zk f /kd j.k ;k i zk f /kd j.k }k jk i zk f /k dr f d lh v U; O;f Dr }k jk tc dHk h H kh vi sf {k r gk s] iz kI r f d ;k tk ldsA

¼x½ lso k f uo` fÙ k lyk gd k j] f dlh O;f Drxr lso k f uo` fÙ k lyk gd k j ds f lok ; iz kf /k d j.k }k jk lso kf uo f Ùk lykg dk j lso k vk sa d s f y, ;F k k fo f uf nZ ’V lh ek vksa ls v f /k d jkf ”k d k Qh l d s : I k esa o lwy d j jg k g S ] b u f o f u;ek sa d s v uq i k yu d s lanH k Z esa pk VZ MZ v d k maVl v k WQ baf M ;k ds f dlh lnL; ls o k f ’k Zd lai jh {k k v k jaH k d jsxk A i jUrq ;g f d fd lh c Sad }k jk lso kf uo f Ùk lyk g i z Lrq r d jus d s ek eys esa , slk c Sad d h o S /kk f ud lai jh {kk ds d k;Z {k s= d s v arxZ r f d ;k tk , xkA

22- vuqikyu vf/kdkjh dh fu;qfDRk -&lso k f uo f Ù k lykg k d j tk s f d f uxf er f ud k; ;k lk > snk j d ai uh ;k d ksbZ jf t LVªh d ` r U;k l ;k laLF k k gS ] , d v uqi k yu vf /k dk jh dh f u;q f Dr d jsxk t ks v f /k f u;e] f o f u;eksa] i z k f /kd j.k }k jk t k jh ek xZ n”k Z d f l) kark sa] f unsZ ”k ksa d h v is{k k v ksa d s lanH k Z esa lso k f uo ` fÙ k lyk gd k j }k jk dk s i k yu f d ;s t k us d ks d jus d s fy, mÙ k jnk ;h gk sxk A O;f Drxr lso k fuo ` f Ùk lykg dk j d s f y, ] v uqi kyu d k nk f ;R o ,sls O;f Dr d k g ksxk f t lds uk e i j i z kf /k d j.k }k jk jf t LVªh d j.k iz ek .ki = v uqnR r f d ;k x;k gS A

23- f’kdk;rksa dk fuokj.k -&

¼d ½ lso k f uo f Ù k lyk gk dk j v fH knk rk v ksa d h f ”k dk ;rk sa d k “kh ?k z rk ls f uok j.k d jsxk A

¼[k ½ lso k f uo` f Ùk lyk g dk j isa”k u f uf /k fo f u;k ed vk S j fo dk l i zk f /kd j.k ¼vf Hk nk rk dh f ”k d k;r d k f uok j.k ½ f o f u;e] 2015 le;≤ i j ;F k k la”k ksf /k r d s mi ca/k k sa ls c k /; v kS j vk c) d j d jsxk A

24- fu"iknu lsokvksa dk i`FkDdj.k %&

lso k f uo ` fÙ k lyk gd k j tks f d c Sad ] xS j c Sad d k jh f oÙ kh ; d ai fu;k a ¼, uc h, Q lh ,l½ v kS j f uxf er f ud k ; g Sa] v i us laH k kf or v f Hk nk rkv ksa lso kv ksa d k f o rj.k v k S j f u’ik nu d jrk gS ] vi uh lso k f uo ` fÙ k lykg d k j lso k v ksa dk s v U; xf rf of /k ;ksa ls i F kd c uk; s j[k sxk %

i jUrq ;g f d lso kv ksa d k ,slk fo rj.k v kS j f u’i k nu f uE u d s v/;/k h u i z Lrq r fd ;k tk ldsxk %

¼d ½ laH k kf o r vf Hk nk rk ] lso kf uo f Ù k lykg dk j }k jk iz Lrq r lso k f u’i k nu vk S j f o rj.k d ks i z kIr d jus d s f y, f d lh iz dk j ls v k ca/k ug ha g ksxk A

¼[k ½ lso k f uo f Ù k lyk g dk j ] lso k f uo f Ù k lyk g dk j d h vi uh xf rf o f /k ;ksa v k S j lso kv ksa d s f u’i k nu v kS j f o rj.k ds e/; I k ;k ZI r nwjh d k lac a/k c uk ;s j[k sxk A


¼x½ laH k kf o r vf Hk nk rk }k jk lso k f u’i k nu ;k f o rj.k i z nk rk d ks lH k h iz d k j d h Q h l v kSj “k q Yd ksa d k lank ; lso k f uo` f Ùk lyk g dk j ds ek /;e u d jd s lh /ks lso k iz nk rkv ksa d k s f d ;k tk , xkA

¼?k ½ lso k f uo ` fÙ k lyk gd k j jk ’Vªh; i sa”k u i z .kk yh d k mi ;k sx d jus d h iwo Z o rhZ “k rZ ds v uq lk j v f Hk nk rk d ks f d lh Hk h jhf r esa mld h lso k, a ysus d s f y, ck /; ;k fo o ”k ugha d jsxk v kS j iz kf /k d j.k d h f c uk v uq ef r ds f dlh i z dk j dh lq xf Br lso k vk sa d k i z Lrko ugh a d jsxk A

v/;k; IV

fujh{k.k

25- izkf/kdj.k dk fujh{k.k laca/kh vf/kdkj -&¼1½ I kzk f /k d j.k Lo r% laK k u ls ;k t k ud k jh ;k f ”k d k ;r i zk I r gk sus i j , d ;k v f /kd O;f Dr;ksa d ks f uE u d k j.kksa esa ls f d lh d s f y, lso kf uo f Ùk lykg dk j ls lac af /k r ys[k k cf g ;ksa] v f Hk ys[kk sa v kS j nLrk o st ksa d s f ujh {k .k d jus ds f y, f ujh {k .k iz k f /k d k jh ds : I k esa f u;q Dr d j ld rk gS uk er %&

¼d ½ ;g lqf uf ”pr d jus ds f y, f d lso k f uo` f Ùk lyk g dk j }kjk ys[k k c fg ;ksa] v f H k ys[k ksa v k S j nLrk o st ksa d ks b u f of u;ek sa esa f o f uf nZ ’V jhf r esa c uk ;s j[k k g S

¼[k ½ vf Hk nk rkv ksa ;k f dlh v U; O;f Dr;k sa d h v k sj ls] lso k f uo fÙ k lyk gk d j d h xf rf of /k ;ksa ls lac af /k r f d lh f o ’k ; i zk I r f ”k dk ;rk sa d s f ujh {k .k ds f y,

¼x½ ;g lq f uf ”pr d juk d s f y , f d D;k lso kf uo f Ù k lyk g dkj }k jk v f /k f u;e v k S j b u f of u;ek sa d k i k yu f d ;k tk jgk gS ]

¼?k ½ i sa”k u lsDVj ;k v f Hk nk rkv ksa d s f g r esa lso kf uo f Ùk lykg d kj d s d k ;Z d yki ksa d h tkap d jus d s f y,

¼2½ c S ad }k jk lso k f uo f Ù k lykg i z Lrq r f d ;s t k us d s laca/k esa] mi f o f u;e ¼1½ d s v arxZ r ;F k k f ufg r lai jh {k k dh “k f Dr;k sa i j i zf rdwy i zH kk o M kys f c uk ] iz kf /k d j.k ] Hk k jrh ; f jt o Z cS ad ls ,slh “kf Dr;k sa dk i z ;ksx d jus] t S lk visf {k r g ks] d k v uq jk s/k d j ld rk gS A

26- fujh{k.k ds iwoZ lwpuk-&¼1½ f o f u;e 25 d s v /kh u dk sb Z f ujh {k .k d jus d s iwo Z i zk f /kd j.k lso kf uo f Ù k lykg dk j dk s nl d k ;Z f no l dh lwpuk nsxk %

¼2½ mi f o f u;e ¼1½ esa v arf uZf g r i j iz f rdwy i zH kk o Mk ys fc uk i jarq ;f n iz kf /k d j.k d k ;g lek /k k u g ks t k rk gS f d v f Hk nk rkv ksa d s f g rksa d h rR dk y j{k k ds f y, ,slh f d lh lwpuk d ks ug ha f n;k t k uk pk f g, ] o g f yf [k r :I k esa , d vk ns”k d s }k jk ,sls f d lh lwpuk ds f c uk lso k f uo ` fÙ k lyk gd k j ds d k ;Z dyk i ksa d k f ujh {k .k d jus d k f unsZ”k ns ld rk gS A

¼3½ f ujh {k .k d h vo f /k ds nk S jku] lso k f uo` f Ùk lyk gd k j f t ld k f ujh {k .k ;k ys[k k i jh {k k dh t k jg h gS ] f of u;e 25 esa v / k h u ;F k k micaf /k r v i us mÙ k jnk f ;R ok saa d k f uoZ g u d jus d s f y, ck /; g k sxk A

27- lsokfuo`fÙk lykgdkj dh fujh{k.k laca/kh ck/;rk,a-&

¼1½ lso k f uo f Ù k lykg d k j] f t ld s laca/k esa f o f u;e 25 ds v arxZ r f ujh {k .k d jus laca/k h v kns”k f n;k x;k gS vk S j d ksb Z vU; lac af /k r O;f Dr f t lds v kf /k iR ; esa, sls lso k f uo f Ù k lykg d kj d s d k ;Zd yk iksa v k S j O;gk j ls lac aaf /k r lq laxr t k ud k jh g ks]lso k f uo` f Ùk lyk gd k j ds i z frf uf /k lf g r] ;f n d k sb Z g ks] d k ;g d rZ O; g ksxk f d o g mld h v fH k j{kk ;k f u;a=.k es a d h i q Lrd ksa] ys[k k v ksa v k S j v U; n Lrk o st ksa v k S j , sls f o o j.k v k S j lwpuk d k s f ujh {k .k d rkZ iz k f /kd k jh dk s i z Lrq r d js t S lk fd f ujh {k .k d rk Z i zk f /kd k jh }k jk f ujh {k .k ds i z ;kst uk Fk Z v is{k k d h tk ;sA

¼2½ i zR ;sd lso kf uo f Ùk lykg dkj v k S j d ksb Z v U; O;f Dr f tld s v k f /k iR ; esa lso k f uo ` fÙ k lykg d k j d s O;o gk j vk S j dk ;Z d yk i k sa ls lacaf /k r lq laxr t k udk jh g ks] t kapd rk Z iz k f /k d k jh dks , slh lH kh lg k ;rk vk S j , sls lH kh lg ;k sx] t S lk f d f ujh {k .k ds lac a/k esa v i sf {k r g ks] v kS j f ujh {k .k ds lac a/k esa t kapd rk Z iz kf /k dk jh }k jk ekaxh xb Z ,slh tk ud k jh ] miyC/k d jk ;sxk A

¼3½ t kapd rk Z i zk f /k dk jh ] d s ikl f ujh {k .k ds i z ;kst uk F kZ f d lh Hk h d eZ pk jh ] f uns”k d ksa] lk > snk jk sa ;k lso k f uo ` fÙ k lyk gd k j d h laf d z ;kv ksa ls lacaf /k r ;k ds fy, mÙ k jnk ;h O;f Dr ;k dk sb Z v U; ,slk lgH kk xh f t ld s ik l , sls lso k f uo` f Ùk lyk gd k j ls lac af /k r lqlaxr t k ud k jh gks] d s g yQ uk eksa v k S j f oo j.k ksa d s v f Hk ys[k ksa d h t kap d jus d h “kf Dr g ksxh A

¼4½ t kapd rk Z i zk f /kd k jh ds i kl] f ujh {k .k ds i z ;k st uk Fk Z lso kf uo f Ù k lykg d k j ds nLrk o st ksa] i q Lrdksa] [k k rksaa] f d lh O;f Dr ls f t lds f u;a=.k ;k v f Hk j{k k esa , sls nLrk o st ] iq Lrd ;k [k k rs g ksa] d h v f /ki z ek f .k r i zf r;k sa d ks g k fly d jus d h “kf Dr gk sxh A

28- Ikzkf/kdj.k dks fjiksVZ izLrqr fd;k tkuk -&

t kapd rk Z i zk f /kd k jh ] f ujh {k .k lEi w.k Z gksus i j ;F k k ”kh ?k z laH k o g ks] , d f ujh {k .k f ji ksVZ i z kf /k d j.k d k s i z Lrq r d jsxk % i jUrq ;g f d ;f n i z kf /k d j.k }k jk , slk f unsZ f ”k r g ks] f ujh {k .k i zk f /kd k jh , d v arf je f ji ksVZ t ek d jk ld rk g S A


29- fujh{k.k fjiksVZ ij dkjZokbZ-&Ik zk f /kd j.k ] f ujh {k .k f jiksVZ i j f o pk j d jus d s I k ”pk r vk Sj lso k f uo` f Ùk lykg d k j ¼jksa½ ;k mld s i zk f /k d ` r i zf rf uf /k ;k sa d ks lq uo kb Z dk ;q f Dr;q Dr v olj nsus d s I k ”pk r f uE u lf g r , sls f unsZ ”k t k jh d j ld rk g S tks jk ’Vªh ; i sa”k u i z .k k yh ;k vf Hk nkrk v ksa d s Ø ec ) fo dk l esa mf pr le> s]&

¼d ½ lso k f uo f Ù k lyk gd k j dks , d f of ”k ’V vo f /k ds f y, lso kfuo ` f Ùk lykg u nsus d h vis{k k d juk A

¼[k ½ lso k f uo f Ù k lyk g dk j ls Q h l] iz Hk k jk sa ;k v U; i z d k j ls lac af /k r v fH k nk rk vk sa ls lad f yr /k ujk f ”k d ks v i sf {k r C;k t vk Sj {k f riwf rZ T kS lk f d iz k f /k d j.k }k jk fo f u/kk Zf jr f d ;k t k lds] d h o ki lh dh vi s{k k d juk A v fH k nk rk ¼vk sa½ d ks lso k f uo f Ùk lyk g dk j d s f d lh d k ;Z ;k yk si ksa d s d k j.k g q, uq d lk u d s ek eys esa] i z k f /k d j.k lso k f uo f Ù k lyk g dk j }k jk t ek d jk ;s x; h d k ;Z f u’i k nu xk ajVh d k b Lrsek y d j ld sxk v k S j lso k f uo f Ù k lyk g dk j d ks i z k f /k d j.k }k jk cuk b Z xbZ naM laf g rk ds v f rf jDr i sa”k u f uf /k fo f u;k ed v kS j fod k l i zk f /kd j.k v f /kf u;e]2013 d s iz ko /k k uk sa v kS j yk xw f o f u;ek sa d s v uq lk j mY ya?k u d h lhek v k S j mY ya?k u d s Lrj d k s /;k u esa j[k rs g q , vf Hk nk rk ¼v ksa½ d h {k f riwf rZ d juh iM+sxh A

¼x½ lso k f uo f Ù k lyk g dk j ds : I k esa i f jpk yu d jus ls , slh v o f /k tS lk f d fo f uf nZ’V f d;k t k lds] d s f y, lso k f uo` fÙk lyk g dk j d ks i zf o jr d jukA

v/;k; V

O;frØe dh n’kk esa izek.ki= fuyafcr ;k fujLr djuk

30- jftLVªhdj.k izek.k i= dk fuyEcu ;k fujLr djuk ¼1½i z k f /k d j.k dh f d lh v U; d k jZ o kb Z i j iz f rdwy i z Hkko M k ys f c uk ft ls i zk f /k d j.k }k jk f d ;k t k lds] lso k f uo` f Ùk lyk g dk j d ks v uq nR r f d ;k x;k jf t LVªh d j.k i z ek .k f uUu f dlh H k h f LFk f r esa f uyf E c r] f ujLr ;k o ki l f y;s t k us d s f y, nk;h g ksxk ] uk er %&

¼d ½f d lh “k rk sZa ;k f uca/k uk sa d k i k yu d jus esa v lQ y jg rk g S f t lds v k /k k j i j mls jf t LVªh d j.k iz ek .k i = v uq nR r f d;k x;k g S ]

¼[k ½v f /kf u;e ;k mld s v /k h u c uk ;s x;s f u;ek sa ;k f o f u;ek sa d s f d Ug h mic a/k ksa d k ;k t k jh fd ;s x; s f d Ug h ek xZ n”k Z d fl)k ark saa ;k v f /k lwpuk v ksa] f uns”k k sa] v uq ns”k ksa ;k i f ji =ksa d k mY ya?k u d jr k g S ]

¼x½Lo sPN k ls i z kf /k d j.k }k jk vuq nÙ k fd ;s x;s i z ek .k i = dks o k i l d jus d k v uq jks/k d jrk g S ]

¼?k ½, d f jlh o j] f jlh o j i zca/k d ] I kz ”k kld ;k lek u O;f Dr d ks lso k f uo ` fÙ k lyk gd k j ds m|ek sa ;k v kf Lr;k sa d s lac a/k esa f u;q f Dr d jrk g S ]

¼³½lso k f uo ` fÙ k lyk gd k j

¼i½ i f jlek i u g ks t k rk g S ¼i z kf /k d j.k }k jk iwo Z esa f yf [k r v uq eksf nr “k rk sZa i j i q uxZ Bu v F ko k f o y;u ds mn~ ns”; d s v f rf jDr½]

¼ii½ d k jksc k j can d j nsrk g S ]

¼iii½ i at h d j.k d s f d lh f u;e ;k “k rZ d s f d lh i zk o /kk u d k mY ya?k u d jrk g S ;k mld s }k jk f n;s x; s i z f rf uf /kR o ]o kjaVh v F ko k mn?k ks’k .k k dk f u’ik nu v F ko k v uq ik yu d jus es f o Qy jg rk g S v Fk ok i zk f /kd j.k ls f yf [k r : Ik esa uk sf Vl f eyus ls nl d k ;Z f no lksa esa , sls mY ya?k u ;k H kwy d k s Bh d ugha d j i krk g S ]

¼iv½ v i uk dk jck j ,slh jhfr esa d jrk gS t ks jk ’Vªh ; isa”k u i z .k k yh ds v fH k nk rk vksa d s f g rk sa i j i zf rdwy i z Hk ko M k yus ok yh g ks]

¼v½ i z k f /kd j.k }k jk d h t k us o k yh f d lh tkap esa lg ;k sx u g ha d jrk g S ]

¼vi½ jk ’Vªh ; i sa”k u i z .k k yh ;k f d lh v U; i sa”k u Ld h e ds rgr d k jksc k j esa g sjQ sj v k f yI r jg rk gS ]

¼vii½ v uq f pr d k jc k jh xf rfo f /k ;ksa esa v k f yI r jg rk g S ]

¼p½ ;f n lso k f uo` fÙ k lyk g dk j ] i zk f /k d j.k dh jk ; esa] iat h d j.k iz ek .k i = iz kI r d jus d s f y;s H k z ’V ;k Nyiw.k Z d k ;Z d jrk g S ;k mls f d lh ljdk jh iz kf /kd j.k ;k f of u;k ed }k jk dk yh lwph esa M k yk x;k gS ;k mld s f o :) f ujks/k k R ed ] f u’dk lu] f u’k s/k kR Ek d ;k ,slh iz d f r dk d k sb Z vk ns”k tk jh f d ;k x;k gk s ;k lso k f uo` fÙ k lyk gd k j ;k mld s f d lh i z /kk u vf /k dk jh ij U;k ;k f /k d j.k }k jk vk f Fk Zd vi jk/k d jus f t uesa uS f rd v /k erk Hk h “kk f ey g S ds f y, nksf ’k flf ) f d ;k x;k gk s]

¼N½ ;f n lso k f uo` f Ùk lykgd k j iz k f /k d j.k dks > wBk c ;k u ;k lwpuk i z Lrq r d jrk g S f tld k o Lrq xr i zH kk o i zk f /k d j.k ;k v f Hk nk rkv ksa d s v f /k dk jksa] nk f ;R o ksa ;k f g rks i j i M+rk g S ]

¼t ½ ;f n lso kf uo f Ùk lykgd k j iz kf /k d j.k }k jk ;Fk k v isf {k r v k of /k d f oo jf .k ;ka i z Lrq r ug ha d jrk g S ]


¼>½ ;f n lso kf uo f Ù k lykgd k j iz kf /k d j.k }k jk mlds d k jksc k j ls lac aaf /k r ;F k k v isf {k r d ksb Z lwpuk i z Lrq r ug ha d jrk gS ]

¼¥ ½ ;f n lso k f uo f Ù k lyk gdk j d s Lo kf eR o ] i zca/k u ;k i z eq [k v f /k dk f j;ksa esa d k sb Z c nyko gk srk g S f t lls i zk f /k d j.k d h jk ; esa v f H k nk rk vk sa d s f g rk sa i j iz f rd wy i z Hk ko i M+rk g S ]

¼V½ f uf nZ ’V y{;k sa d k s i z kI r d jus esa f uja rj v k S j mY ys[k uh ; <ax ls ;k v U; lso k f uo ` f Ùk lyk g dk jksa d h rq yuk esa f uE u d k;Z i z n”kZ u

¼B½ , slh jhf r esa d k ;Z d juk t ks v f H k nk rk vksa d s f g rks d s i z frd wy g k sA

¼M ½ iz k f /k d j.k }k jk dh tkus o k yh fd lh t kap esa lg ;k sx ug ha d jrk g S ]

¼<+½ v f /k f u;e d h /k k jk 28 d s rg r ;F k k f uf nZ ”V dksb Z O;frØ ei w.k Z dk ;Z d jrk gS ]

¼.k ½ dk sb Z v U; d k j.k ] t ks i zk f /kd j.k dh jk ; esa v uq nR r jf t LVªh d j.k i z ek .ki = d s f uyE c u] jí d j.k ;k o ki l ysus d k leq f pr vk /k k j g ks]

¼2½ iz kf /k d j.k mi &fo f u;e ¼1½ d s v /kh u “k f Dr;ksa i j iz f rd wy i zH kk o Mk ys f c uk ] jft LVªhd j.k iz ek .k i = dks jí d jus ;k f uyaf c r d jus d s c t k ;] jf t LVªh d j.k i z ek .k i = ds f uc a/k uk sa v k S j “k rk sZa d k s b l i z dk j lR ;k fi r ;k mi karf jr d jus d k f unsZ ”k ns ld sxk ] T k S lk og Bhd le>s ;k , slk v k ns”k i kf jr d j ldsxk t ks v f Hk nk rkv ks d s f g r esa yk H ki z n le>sA

¼3½ iat h d j.k i z ek .ki = d k fuyac u] f ujLrh d j.k ;k o ki l ysus laac a/k h vk ns”k rc rd ug ha f n;k t k, xk t c rd lac af /k r O;f Dr d k s b u fo f u;eksa d s v uq lk j t kap d s v arxZ r lq uok bZ dk mi ;q Dr vo lj ugha f n;k t k;sA

¼4½ , sls O;f Dr v k S j laLF k k,a f t Ug sa jf t LVªh d j.k d k iz ek .ki = v f Hk iz kI r f d ;s f c uk ;k ft ud s ek eyk sa esa i z ek .k i = v isf {k r u g ks] d k s f o f u;e 4 d s v arxZ r lso k f uo ` f Ùk lyk gd k j ls lac af /k r xf rf o f /k ;ksa d k s v k jaH k d jus g srq v uq K k r f d ;k x;k g S ] ,slh d k jZok bZ f t les lso kf uo` f Ùk lykg dk j d s : I k esa lso k ,a i z Lrq r d jus ls v o jks/k ] i zf rf u’ks/k ;k f uyE c u “k k f ey g S ] ds f y, nk ;h g ksxk A

31- izek.ki= ds fuyacu] jídj.k ;k vH;iZ.k dk izHkko -&¼1½ jf t LVªh d j.k iz ek .ki = d s f uyE c u] jí d j.k ;k v H ;iZ.k f d ;s t k us d h rk jh [k ls g h lac af /k r lso kf uo` f Ùk lykg dk j %&

¼d ½ jk ’Vªh ; isa”k u i z .kk yh vF kok v U; i sa”k u Ld h ek sa] t S lk Hk h ek eyk gk s] d s v UrxZ r d ksb Z u;k ysunsu d ju s ls i z f o jr jgsxk A

¼[k ½ vk f Lr;k sa] v fH k ys[k k sa] nLrk o st ksa ;k lwpuk d s c k js esa t k s lso kf uo` f Ùk lykg dk j d h v f Hk j{k k ;k f u;a=.k esa g k s] ,d f u/k k Zf jr le;lh ek esa v k S j b l i z dk j , slh jh f r esa t k s lq laxr f o f u;ek sa d s rg r v i sf {k r gk s ;k i z kf /k d j.k }k jk t S lk f unsZ”k f n;k t k ld s] d k jZ ok bZ d jsxk A

¼x½ v k f Lr;k sa] v f Hk ys[kk sa] nLrk o st ksa ;k lwpuk d k s t ks mld h v f Hk j{k k ;k f u;a=.k esa g k s] v U; lso k f uo` f Ùk lykg dk j d ks i z kf /k d j.k }k j f uf nZ ’V ,slh jh fr v k S j i z :I k esa v i us O;; i j v arf jr d jsxk A

;g Hk h lqf uf ”pr d jsxk f d lHk h lq laxr nLrk o st ksa] v f Hk ys[k ksa ;k lwpuk d k varj.k i zk f /kd j.k }k jk f uf nZ ”V f unsZ ’kksa d s v uq :Ik g ksA lso kf uo f Ùk lykg dk j dh v ksj ls f d lh Hk h i zd k j dk v lg ;k sx ;k xS j leFk Z u ;k vo jks/k lso kf uo f Ù k lykg dk j d ks “k kf Lr v f /k jksi .k ds f y, nk ;h g ksxk A

¼?k ½ lso k f uo f Ù k lyk gd k j rc rd i zk f /kd j.k ds f uns’k ksa d k v uq ik yu d jsxk t c rd lHk h v arj.k ;k dk jZ ok bZ i wjh ugh a g k s t k rh ;k t c rd iat h d j.k i z ek .k i = f uyaf c r jg rk g SA

32- vfHkfgr izkf/kdkjh dh fu;qfDRk-& ¼1½ tg ka v fH kf g r lnL; d k s ;g i z rh r gksrk g S f d f d lh lso k f uo` fÙ k lykg d k j f tls v f /k f u;e] b u f of u;ek sa ;k d s v arxZ r jf t LVªh d j.k i z ek .k i = v uq nÙ k f d ;k x;k gS ;k f d lh v U; O;f Dr }k jk f o f u;e 32 esa f o f uf nZ ’V iz d f r dh pwd dh xb Z g S o gk a o g eq [; eg ki zca/k d ls v f uE u Js.k h ds f d lh v f /k dk jh dk s ;k f d lh lerqY ; Js.k h d s f d lh v U; O;f Dr d ks v f Hk f g r i z kf /k dk jh d s : Ik esa f u;q Dr d j ld sxk A

¼2½ f d lh ,sls v f /kd k jh dh ] ftlus v f Hk df F k r v f rØ e.k dh ck c r v Uo s”k .k ;k f ujh {k .k f d ;k g S ] v fH kf g r i zk f /k d k jh ds : Ik e sa f u;q f Dr ug ha d h tk , xh A

33- lwpuk dk tkjh fd;k tkuk -& ¼1½ v f H k fg r i zk f /kd k jh ] ;f n mls , slk d jus d s ;q f Dr;q Dr v k /k k jksa d k i rk pyrk g S ] rk s o g lso k f uo ` fÙ k lyk g dk j ;k fd lh v U; lac af /k r O;f Dr d ks] mlls b l ck r d k d k j.k nf’kZr d jus d h v is{k k d jrs g q, fd D;k s u ml s v uq nÙ k f d , x;s j f t LVªh d j.k iz ek .ki = d ks f uyf E c r ;k jí d j f n;k t k ;s ;k D;k sa u mlesa mi c af /k r d ksb Z v U; d k jZo kb Z dh tk ;s] , d lwpuk tk jh d jsxk A

¼2½ mi f of u;e ¼1½ d s v /kh u i zR ;sd lwpuk esa] lwpuk i z kIr d jus o k ys O;f Dr }k jk f d;s x;s v f H k d fF k r v f rØ e.k d k s] v f /k f u;e] fo f u;eksa] f unsZ ’k ksa ;k i f ji =k sa d s mu mic a/k ksa d ks mi nf ’kZ r d jrs g q , ] f t udh c kor v f rØ e.k d jus d k v fH kd Fku f d ;k x;k gS ] fo f uf nZ ’V f d ;k t k , xkA


¼3½ mi f o f u;e ¼1½ d s v /k h u t k jh lwpuk d s lk Fk , sls nLrk o st k sa d h i zf r;ka] f t ud k v H ;k jksi.k d jus esa v o yE c f y;k x;k gS v k S j nLrk ost ksa d s lq laxr H k k x d s m) j.k ] , slh f jiksVZ ] f t uesa f d ;s x; s v Uo s”k .k ;k f ujh {k .k ] ;f n d k sb Z gks] esa f n;s x;s f u”d ”k Z v arf o Z "V g ks] mi kc ) dh tk ,axh A

¼4½ lwpuk i z k I r d jus o k ys O;f Dr ls] lwpuk esa af o f uf nZ "V ,slh v o f /k ds H k h rj] t k s mld h rkeh y g k sus d h rk jh [k ls b Dd h l f nu ls v f /k d ug ha g ksxh ] v f Hk fg r i zk f /kd k jh d ks , d f yf [k r v H ;k osnu i z Lrq r d jus d h v is{k k dh tk , xhA

34- lwpuk izkIr djus okys O;fDr }kjk mÙkj-& ¼1½ lw puk i z kI r d jus o k yk O;f Dr] v f Hk fg r i zk f /k dk jh dk s lwpuk e sa f o f uf nZ "V vo f /k d s H kh rj vi uk f yf [k r v H ;ko snu] mld s leFk Z u esa nLrk o st h lk {;] ;f n d ksb Z g ks] d s lk Fk iz Lrq r d jsxk A

i jUrq v f Hk f g r iz kf /k dk jh lwpuk i z kI r d jus o k ys O;f Dr }k jk n f ’kZ r I k ;k ZI r v k /kk jksa d s v k /k k j i j v k S j , sls f o Lrk j d s d k j.k ksa d ks ys[k c ) d jus d s I k ”pk r lwpuk esa f o f uf nZ "V v of /k dk s c <+k ld sxk A

¼2½ ;f n lwpuk i zk I r d jus o k yk O;f Dr] ml i z ;kst u d s f y, i znÙ k le; d s H kh rj dk j.k c rkv ks lwpuk d k mR rj ugha nsrk g S ] rk s v f Hk fg r i zk f /kd k jh ek ek ys esa ] , slk d jus d s d k j.k ksa d k s ys[k c ) d jrs g q, , di {kh ; d k jZo kbZ d j ld sxk v kS j le{k mi yC/k lk jo k u rF ;k sa d s v k /kk j i j , slk d jus d h f lQk f j’k d j ldsxk A

35- O;frØe dh n’kk esa dkjZokbZ -&vf Hk fg r i nk f /kd k jh ] lwpuk i z kI r d jus o k ys O;f Dr d s v H ;k osnuk as] ;f n d k sb Z g ks] ek e ys d s rF ;k sa v k S j i f jLF kf r;k sa rF k k v f /k f u;e] f o f u;eksa d s yk xw i z ko /kk uksa] i z k f /kd j.k }k jk f n;s x;s f un sZ ”k k sa ;k i f ji =ksa i j f o pk j d jus d s I k ”pk r] tg ka rF ;k sa ls ;g v isf {k r g ks] o gk a f uE uf yf [kr d h f lQ kf j’k d jrs g q , , d fji k sVZ iz Lrq r d jsxk &

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¼x½ v k ns”k esa f of uf nZ ’V v of /k d s f y, lwpuk iz kI r d jus o k ys O;f Dr d ks d kb Z u;k d k ;Z ] laf o nk i zk I r d jus ;k uo h u Ld he i z k jaH k d jus ls i z f rf’k) d juk %

¼?k ½ lwpuk iz kI r d jus O;f Dr d s i z /k k u v f /kd k jh d ks v k ns”k esa f o f uf nZ’V vo f /k ds f y, fdlh jft LVªh d ` r e/;o rh Z d s lkF k f u;k sf t r ;k mlds lg ;k sf t r g ksus ls f o o f tZ r d juk %

¼³½ v ko ”;d le>s t k ld us o k yh v U; “k rksZ a] iz f rca/k ksa ;k v uq ik yu dk s lwpuk i zk I r djus o k ys O;f Dr ;k mls i z /kk u v f /k dk jh ;k v U; v f /k dk jh ;k mlls lac af /k r fd lh v U; O;f Dr i j v f /k jk sf i r d juk (

¼Pk ½ lwpuk i zk I r d jus o k ys O;fDr d k s psrk o uh nsuk (

36- flQkfj’k ij dkjZokbZ djus dh izfØ;k -& ¼1½ v fH kf g r iz k f /k d k jh ls d k jZ o kb Z d jus d h f lQ kf j”k d jus o k yh f ji ksVZ i z kI r gk sus i j v f H kf g r lnL; i j ml i j f o pk j d jsxk v k S j lwpuk i z kI r d jus o k ys O;f Dr d k s , d d k j.k c rk vksa lwp uk ] f t lds lk F k vf Hk fg r i zk f /kd k jh }k jk i z Lrq r dh xb Z f ji ksVZ d h , d i zf r layX u g ksxh v k S j f tlesa lwpuk i z k I r d jus o k ys O;f Dr ls b l c k js esa f d mld s f o :) d ksb Z dk jZ ok bZ ] ft lds v arxZ R k leq f pr f unsZ ”k i kf jr d juk H k h g S ] D;ksa ug h a d h tk uh pkf g, ] f yf [k r vH ;ko snu i z Lrq r d jus d h vi s{k k d h xbZ gks] t k jh d jsxk A

¼2½ lwpuk i zk I r d jus o k yk O;fDr] lwpuk i zk fI r ds b Dd h l f nu d s H kh rj v fH kf g r lnL; dk s , d mÙk j Hk st sxk tk s ml mÙ kj i j] ;f n lwpuk i zk I r d jus o kys O;f Dr ls i zk I r g ksrk gS ] fo pk j d jus v kS j ml O;f Dr dk s lq uo kb Z dk vo lj nsus d s I k ”pk r] ;F k k laH k o “kh ?k z rk ls leq f pr v k ns”k i k f jr d j ld sxk v k S j lwpuk d k mÙ k j i z kI r g ksus ;k lq uo k bZ d h rk jh [k ls , d lk S chl f nu d s H kh rj v k ns”k i kf jr d jus d k i z ;k l fd ;k tk , xkA

¼3½ v f H kf g r lnL;] t g ka i z ”uxr f o ’k ;o Lrq lk jok u : Ik ls lek u ;k le: I k i z d f r d h g S ] lwpuk i zk I r d jus o k ys v usd O;f Dr;k sa d s laac a/k es , d lek u v k ns”k ik f jr d j ld sxk A

37- vkns’k dh lalwpuk-& ¼1½ b u f of u;ek sa d s v /k h u fdlh vf Hk f g r i zk f /kd k jh }k jk nh xb Z iz R ;sd f ji ksVZ v kS j v fH kf gr lnL; }k jk f d ;s x;s i z R ;sd vkns”k ] rk jh [k lf g r g Lrk {kf jr gk sxk A

¼2½ b u f o f u;eksa d s v /k h u i k f jr v k ns”k d h i z f r lso k f uo f Ù k lyk g dk j ;k lacaf /k r O;f Dr d k s H kst h t k, xh vk S j mls i z k f /k d j.k d h osc lkb V i j H kh M k yk tk ,xk A

38- ’kkfLr vkSj U;k;fu.kZ;u-& lso k f uo ` fÙ k lyk g dk j ;k fdlh lac af /k r v U; O;f Dr i j “k kfLr d k v f /k jksi .k ] ;f n d ksb Z gk s] v f /k f u;e v kS j i sa”k u f uf /k f of u;k ed v k S j fo d kl i zk f /kd j.k ¼U;k ; f u.k k Z ;d }k jk tk ap d h iz fØ ;k ½ f o f u;e] 2015 d s i z ko /kk uk sa d s v uq lk j f d ;k t k, xk A

39- izfrHkwfr vihy vf/kdj.k dks vihy-& lso k f uo f Ù k lyk g dk j ;k d ksb Z v U; lac af /k r O;f Dr] ;f n v f H k fg r lnL; }k jk i k f jr f d lh v k ns”k ls v larq ’V g S ] rks o g v f /k f u;e d h /k k jk 36 d h mi /kk jk ¼1½ ds v /k h u izf rH kwf r vi h y v f /kd j.k ds le{k v i h y d j ldsxk A


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3- f o f u;e 7 ds v uq : Ik mDr lk> snk jk sa }k jk iz kI r f d ;s x;s i z ek .k h d j.k d h i zf r A

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5- v k f Lr;ksa v k S j ns;rk v k sa d h f oo jf .k dk v k S j Lo Ro /kk jh ;k lk> snk jh dE i uh ds f uo y v ewrZ v kf Lr;k sa dk lunh ys[k k dk j }k jk v fH ki z ekf .kr i z ek .k h d j.k ¼vk osnu t ek d jk rs le; N ek g ls v f /k d dk u g ks½A


III vkonsd ,d fuxfer fudk; gksus ds ekeys esa ¼dEiuh vkSj lhfer ns;rkvksa okyh lk>snkjh ds vfrfjDr½ %

1- i .k /kk f jrk i ) f r v kS j f uns”k d ksa d h i` ’BHk wf e ¼f uns”k dk sa d s i gpk u v k S j v ko k l d s i rs d s lk{; layX u d jsa½ A

2- D;k v k osnd d ks d sUnz h ; ljd k j ;k jk T; f o /kk ueaM y d s f d lh v f /k f u;e ;k d k uwuk saa d s v arxZ r LF k k fi r ;k f uf eZ r f d ;k x;k g S v kS j D;k v ko snd d ks lso kf uo f Ùk lyk g dk j ds : I k esa d k ;Z d jus d s f y, v uq eksf nr f d ;k x;k g S ¼lcaaf /k r laf o f /k @v f /kf u;e d s lq laxr m) j.k d ks layX u d jsa½

3- v k osnd d s d eZ pkf j;k sa d h vk S j i z f rf uf /k ;ksa d h laa[;k ¼v k xs pyd j t k s î zf rf uf /k ;ksa* d s : Ik esa t k us t k ,axs½ t k s vk osnd d h v ksj ls b u fo f u;eksa d s varxZ r lso k f uo f Ù k lykg dks i z Lrkf o r i z f ri k nu@ i z f ri kf nr d jsaxsA

4- v k osnd }k jk ;g mn?kk s”k .kk fd mlds i z f rf uf /k o rZ ek u esa fo f u;e 7 esa f o f uf nZ ’V iz ek .k hd j.k vk S j v g Z rk lac a/k h vi s{k kv ksa d s lk F k v k c) d j g SaA

5- v k osnd ) k jk ;g mn?k ks’k .k k fd o g lg lq f uf ”pr d jsxk fd mld s lHk h i zf rf uf /k i j fof u;e 7 e sa f o f uf nZ ’V iz ek .kh d j.k v kS j vg Z rk lac a/k h ;ksX ;rk v k sa d k lH kh le; v uq i k yu d jsaA

6- , d lunh ys[k k d j ls “k q ) ek f y;r i z ek .ki =] t ks f d N% ek g ls v f /k d i q jk uk u gksA


iv- vkosnd ,d O;f"V gksus ds ekeys esa %

¼1½ v k osnd d k uk e] LF k k ;h irk ] i = O;o g k j d k i rk ] d k jc k j d k iz /kk u LF k k u] Vsf yQ ksu uE c j ¼jk sa½] Q S Dl uE c j ¼jksa½] b Z &esy d k i rk ] nLrk o st h lk {; d s lkF k A

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2- dkjckj dh ;kstuk

1- i z Lrkf o r dk jck j ;k st uk vk S j mls i z kI r d jus ds lk /k u

2- v f Hk nk rkv ksa d s t k sf [k e i ` ’BH kwf e v k S j lyk g d h mi ;q Drrk dk v kad yu d jus d s f y, i zf Ø ;k

3- vk/kkjHkwr volajpuk dk fooj.k

1- d k ;k Z y; LFk y d k f oo j.k ] d k ;k Z y; mid j.k ] Q uh Z pj v k S j f LF k jrk ] lEi zs’k .k lq fo /k k, a] v uq la/k k u {k erk] lso k f uo ` fÙ k lyk gd k j lso k ,a v kjaH k d jus d s f y, v uq la/k k u lk W¶Vo s;jA

2- ;g mn?k k s’k .kk f d v kosnd d s i k l lso kf uo f Ù k lykg d k j d h xf rfo f /k ;ksa d s i z Hk ko h f u’i k nu gsrq v ko ”;d v k /kk jH kwr v o lapjuk ek S twn g S A


4- dk;Zdkjh lsok,a

1- ;f n v k osnd , d f uxf er f ud k ; g S ] Li ’Vr;k mY ysf [k r d jsxk f d D;k v ko snd v i us v fH knk rk v ksa d k s lso k vk sa d s f o rj.k vk S j f u’ik nu d ks i z Lrk f o r d jrk g S

2- ;f n g k ¡] vk osnd d k s ;g mn?k k s’k .kk mi yC/k d jk uh i M+rh g S fd lso k ,a v /k h uLFk ;k i` Fkd : Ik ls v f H kK s; f o Hk k x ;k v uqH kk x d s }k jk i z Lrk f o r d h tk jgh gSaA

5- vU; tkudkjh@mn~?kks"kk.kk,a@fofu;ked dkjZokbZ

¼d ½ f o xr ik ap o ’k ksZ a esa yf E c r v k S j pq d rk lH kh fo ok nksa d k foo j.k

¼[k ½ D;k v k osnd ls i z R ;{k ;k v i zR ;{k : I k ls laac af /k r f d lh O;f Dr d s jf t LVªh i z ek .k i = v uq nÙ k fd ;s t k us g srq v k osnu d k s i zk f /kd j.k }k jk iwo Z esa v Lo h d k j f d ;k x;k g S ] ;f n g k ¡] rks mld k fo o j.k nsaA

¼x½ D;k v k osnd ls iz R ;{k ;k v iz R ;{k :I k ls lac af /k r f dlh O;f Dr ds f o :) vf /k f u;e ;k mld s v /kh u f uf eZ r f o f u;eksa d s varxZ r i z kf /k d j.k ;k f d lh v U; f of u;k ed i zk f /kd j.k ;k ljd k j us v kosnu f d ;s t k us dh rk jh [k ls f o xr ikap o ’k ksZ aa esa v uq ”kk lukR ed d k jZ ok bZ ;k v o jk s/k ] f u’dk lu ;k f u’ks/k k R ed vk ns”k ;k , slh dh i z d f r d k dksbZ v U; v k ns”k ik f jr f d ;k x;k g SA ;f n g k ¡] rk s ,slh d k jZo kb Z d k f o o j.k nsaA

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¼T k ½ d ksb Z v U; t k ud k jh t ks f d v ko snd }k jk i zf ri kf nr d h t k us o k yh lso k v ksa d h iz d f r ds lac a/k esa lq laxr le> h t k ;sA

mn~?kks"k.kk dFku

eS a@g e , rr }k jk lg er g Sa v kS j ?k k s’k .kk d jrk gw¡@d jrs g S a f d layX u i =k sa lf g r] v ko snu esa nh xb Z t k udk jh ] i w.kZ v k S j lR ; gS A vk S j eS a@g e b ld s v f rf jDr lg er g Sa f d eS a@ g e i z kf /k d j.k d ks v k o snu esa nh xb Z t k ud k jh esa f d lh i zd k j d s i f jo rZ u d s c k js esa rq jar lwf pr d jsaxsaA b ld s v f rf jDr eS a@ge i h ,Q vk jM h, vf /k f u;e] 2013 v k S j i h, Qv k jMh , ¼lso k f uo f Ùk lyk g dk j½ fo f u;e] 2016 lfgr b lds v /k h u f uf eZR k fo f u;ek sa] f u;ek sa v kS j iz kf /k d j.k }k jk le;≤ i j t k jh d ksb Z v U; ek xZ n”k Z d f l) kark sa@i f ji =ksa@v f /k lwpuk v k sa@f uns”k k sa] d k v uq ikyu d jus v k S j ls v kc )d j jgus d s f y, lg er gw¡A

b lds v f rf jDr eS a@g e jf t LVªhd j.k d h “k rksZ a ls lg er g S aA eSa@g e , sls i f jpk yukR ed f unsZ ”k ksa@v k ns”k k sa t S lk i zk f /k d j.k }k jk le;≤ i j f o f uf nZ ’V f d ;k t k ;s] ls v kc ) d j jg waxk @jg saxsA

d s f y, vk S j dh vksj ls

¼v k osnd d k uk e½

I kz k f /k d ` r g Lrk {k jh @v ko snd

¼g Lrk {k j½

¼f rf F k v kS j LFk k u½

Ikzi= [k

i h ,Q vk jM h, ¼lso k f uo f Ù k lyk gd k j½ f of u;e] 2016 ¼f of u;e 9 ns[k sa½

lso k f uo ` fÙ k lyk gd k j ds : I k esa jf t LVªh d j.k i z ek .k i =


i z kf /k d j.k ] isa”k u f uf /k f of u;k ed v kS j f od k l i zk f /kd j.k vf /kf u;e 2013 ¼2013 d k 23½ dh /k k jk 27 d h mi /k k jk ¼3½ v kS j mld s lk F k i f Br f of u;ek sa }k jk i z nR r “kf Dr;k sa d k i z ;ksx d jrs g q , iz k f /k d j.k ----------------------------------------------------

............................................. d ks v f /k f u;e v k S j mld s v /k h u f uf eZ r fo f u;ek sa esa f uf nZ ’V “k rk sZ a v k S j f uca/k uk sa ds

v /;/k h u lso kf uo f Ù k lykg d k j d s : I k esa d k ;Z d jus ds f y, ;g jf t LVªh d j.k iz ek .k i = iz nk u d jrk g SA

lso k f uo ` fÙ k lykg dk j d k jf t LVªh d j.k uE c j ----------------------------------------------------gS v kS j ;g &&& && &&&& &&&& &&& && d h v o f /k rd f o f /k ek U; jg sxk A

f nuk ad %

LF k k u % ub Z f nY yh

i sa”k u f uf /k f o f u;k ed iz k f /k d j.k v k S j f o dk l d h v ksj ls v k S j d s f y,

f}rh; vuqlwph

i h ,Q vk jM h, ¼lso k f uo f Ù k lyk gd k j½ f of u;e] 2016 ¼f of u;e 9 ns[k sa½

Qhl

1- i z R ;sd O;f Drxr v ko snd :I k ;s i kap lkS dh v iz f rns; v kosnu Q hl dk lank ; d jsxk vk S j izR ;sd v kosnd ] O;f Drxr v k osnd k sa ds v f rf jDr] jft LVªhd j.k iz ek .k i = v uq nR r ;k uoh uh d j.k f d ;s t k us g srq vk osnu i = ds lkF k : Ik ;s ikap g t k j dh vi zf rns; Q h l dk lank ; d jsxk A

2- , sls v k osnd t ks O;f Drxr : I k ls v k osnu d jrs g S a] i z k f /kd j.k }k jk i z ek .ki = v uq nR r ;k uoh uh d j.k f d ;s t k us d s le; jf t LVªh d j.k ;k uoh uh d j.k Q hl ds : I k esa d q y , d gt k j : i ;s d k lank ; d jsxk A

3- , sls v ko snd t ks f d dE i uh @f uxf er f ud k ;@ iat h d r U;k l@laLF k k g Sa] i z kf /k d j.k }k jk i z ek .k i = v uq nR r ;k uo h uh d j.k f d ;s t k us d s le; jf t LVªh d j.k ;k uo h uhd j.k Qh l ds : I k esa d q y nl g tk j : i ;s d k lank ; d jsxk A

4- i f jPN sn 2 v k S j 3 esa mY ysf [k r Q h l] i zk f /kd j.k ls lwpuk i z kf I r dh f rf Fk ls 15 f nu d s v i ”pk r ^î sa”k u f uf /k f o f u;k ed vk S j f od k l iz kf /k d j.k ^^ d s uk e ub Z f nY yh esa ns; ek ax M ªk Q ~ V ;k c Sad j psd }k jk ;k t S lk iz k f /k d j.k }k jk le;≤ i j f o f uf nZ ’V f d ;k t k ;s] ns; g k sxk A

5- b l v uq lwph ds v arxZ r Q h l d h jkf ”k dks i z kf /k d j.k }k jk le;≤ i j mi ;q Dr i f ji =ksa] f unsZ ”k ksa ;k v f /k lwpuk v ksa d k s t k jh d jds la”k ksf /k r f d ;k t k ldsxk A vk osnd d ks i z kf /kd j.k }k jk ;Fk k v f /klwf pr ykxw Q h l dk lank ; d juk v isf {k r g ksxk A

r`rh; vuqlwph

i h ,Q vk jM h, ¼lso k f uo f Ù k lyk gd k j½ f of u;e] 2016 ¼f of u;e 15 d s mi fo f u;e ¼14½ d ks ns[k sa½

lsokfuo`fÙk lykgdkj ds fy, vkpkj lfgark

1- lR;fu"Bk vkSj fu"i{krk

, d lso kf uo` f Ùk lyk gd k j lHk h le; i j v i us v f H k nk rk vk sa d s lo ksZ R re f g r vk S j jk ’Vªh ; i sa”k u i z .kk yh vk S j isa”k u lsDVj d s Ø ec ) fo dk l gsrq b Zek unk jh ] lR ;f u’Bk vk S j f u’i {krk d s lkF k dk ;Z d jsxk A

2- rRijrk

lso k f uo ` fÙ k lyk gd k j v f Hk nk rkv ksa d s lo ksZ R re f g r esa lE ;d d k S ”k y] lko /k k uh vk S j rR i jrk d s lk Fk dk ;Z d jsxk v k S j ;g lq f uf ”pr d jsxk f d xg u f o ”ys”k .k v kS j mi yC/k f o dY i ksa d ks /;k u esa j[k rs g q , lykg iz Lrq r d jsA

3- {kerk

Lk so k f uo f Ù k lykg dk j d s i k l mi ;q Dr lalk /k u] t ks f d ml d h d k jck j xf rf o f /k ;k sa d s i z H kko iw.k Z f u’ik nu g srq v k o ”;d g S ] g ksaxs v k S j mUg sa o g i z Hk ko dk jh <ax ls f u;k sf t r d jsxk A

4- laHkkfor vfHknkrkvksa@vfHknkrkvksa ds ckjs esa tkudkjh

lso k f uo ` f r lyk g dk j v i us laH k k f o r vf Hk nk rkv ksa ;k v f H k nk rk vk sa ls mi yC/k d jk b Z tk us o k yh lyk g ls lq laxr mud h f oÙ kh ; f LFk f r] f uos”k vuq H ko ksa v k S j lso k f uo f Ù k y{;ksa d s c k js esa t k ud k jh iz kI r d jsxk v k S j , slh tk udk jh d s lac a/k esa lo ksZ Pp xk si uh ;rk cuk ;s j[k sxk A


5- vius vfHknkrkvksa dks tkudkjh

lso k f uo ` fÙ k lyk g dk j v i us laH kk f o r vf Hk nk rkv ksa ;k v f H k nk rk vk sa d s lk F k O;og k j d jrs le; lq laxr o k Lrf o d t k ud k jh dk Ik ;k ZI r iz d Vhd j.k lq f uf ”pr d jsxk A

6- mfpr vkSj rdZlaxr izHkkj

lso k f uo ` fÙ k lykg d k j , d laH k kf o r v f Hk nk rk dk s i jk e”k Z miyC/k d jk rs le;] i zk f /k d j.k }k jk ;Fk k f of uf nZ ’V mi f j lh ek ds v /;/k h u] ;f n dk sb Z g ks] Q hl iz Hk kf jr d j ld rk g SA lso k f uo` r lykg dk j ;g lq f u”pr d jsxk fd v f Hk nk rkv ksa ls yh t k us o k yh Q h l mf pr v kS j rd Z laxr g k sA

7- fgr la?k"kZ

lso k f uo ` fÙ k lyk g dk j t gka rd laH k o g ks ld s] f g r la?k ’k Z dk i f jo tZ u d jus d k i z ;k l d jsxk v k S j t gk a , slk d juk laH k o u g ks] o g lq f u”pr d jsxk f d laH k kf o r v fH k nk rkv ksa d k s ;q f Dr;q Dr iz d V f d ;k t k ;s v kS j laH kk fo r v f Hk nk rk d s lkF k f u’i {k O;o gkj g ksA

8- vuqikyu

lso k f uo ` fÙ k lyk gd k j] vi us i zfrf uf /k ¼;k sa½ lf g r] mld s d k jc k j xf rfo f /k ;ks lac a/k h v k pj.k i j yk xw f of u;ek d v is{k k v ksa d k v uq ik yu d jsxk rk f d v fH k nk rk vksa d s lo ksZ Ù k e f gr d ks c <+k ok f n;k tk lds v kSj v i us O;o g k j esa lR ;f u’Bk c uk ;s j[k sxk A

9- ofj"B izca/ku dk mÙkjnkf;Ro

f uxf er f ud k ; d k o f j’B i zc a/k u f t ls lso k f uo f Ù k lykg dk j d s : I k esa jf t LVªh d ` r f d ;k x;k g S ] lapk yu d s ;F k ksf pr ek ud ksa d ks c uk ;s j[kus v k S j f uxf er f udk ; }k jk mf pr i zf Ø ;kv ksa d k v o yE c u lq f uf ”pr d jus dh i z kF kf ed ft E esnk jh d k o g u d jsxk A

lso k f uo ` fÙ k lykg dk j jk ’Vªh ; i sa”k u i z .kk yh ds v arxZ r v i uh xf rf o f /k ;ksa d s lapk yu e sa v f H knk rk v ksa d s f g rk sa d k s v i us Lo ;a d s f g rk sa d s Åi j LF kk u nsxk A

lso k f uo ` fÙ k lykg d k j] jk ’Vªh ; isa”k u iz .k k yh ;k iz k f /k d j.k ;k vU; e/;o f rZ ;k sa d s f o :) f d lh i z dk j dk vi d ’khZ ] v i ekf ur d jus o k yk c ;k u ;k f VIi .kh nsus ls Lo ;a d k s v yx jg sxk A

prqFkZ vuqlwph

O;fDrxr tksf[ke :ijs[kk i=

Ukke &&&&&&&&& fyax I kq0@ L =h vk;q

&&&&&&&&&&&&&

fUk{kk ,l,l l h ,p,l l h O; ol kf;d@ L o&fu; ksD rk Lu krd Lu krd ksÙ kj O; kol kf;d ¼l h,]l h,l]l h,e, bR; kf n½

O;kolk; osruH kksxh ¼l jd kjh@ fut h½g k¡@ ug ha ;fn g k¡]chek d h jkf” k Ñf’k

vkfJrksa dh laa[;k

&&&&&&&&&&&&

O;fDrxr thou chek O;fDrxr vkSj vkfJrksaa ds fy, O;fDrxr LokLF; chek g k¡@ ug ha ;fn g k¡]chek d h jkf” k

&&&&&&&&&&&&&&&

fuokl dk LFkku@Ukgj &&&&&&&& fuokl Okkf’kZd vk; fooj.k ekfyd ku k@ fd jk; s ij Ikzfrekg osru ¼:0 esa½ yxHkx 0&5 yk[k 5&10 yk[k

10&2 5 yk[k

25 yk[k ; k ml l s v f/ kd

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fooj.k ¼: yk[k esa½ ns;rk,a fooj.k ¼: yk[k esa½ ed ku&&&& d kj &&&&&

H kwfe&&&&& L kksu k] v kH kkw’k.k] c Sd fM iksftV &&&& &&&&

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PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY

NOTIFICATION

New Delhi, the 13th June, 2016

Pension Fund Regulatory and Development Authority (Retirement Adviser) Regulations, 2016

No. PFRDA/12/RGL/139/1.—In exercise of the powers conferred by sub-section (1) of Section 52 read with

clause (w) of sub-section (2) thereof and clause (d) of sub-section (2) of section 14 of the Pension Fund Regulatory and

Development Authority Act,2013 (23 of 2013), the Pension Fund Regulatory and Development Authority hereby makes

the following regulations, namely:-


CHAPTER I

PRELIMINARY

1. Short title and commencement .- (1) These regulations may be called the Pension Fund Regulatory and

Development Authority (Retirement Adviser) Regulations, 2016.

(2) They shall come into force on the date of their publication in the Official Gazette.

The objective of the regulations is to provide a framework for eligibility, registration process, fees etc. of

Retirement Adviser and to define the scope of work and responsibility of the Retirement Adviser to ensure

orderly growth of pension sector.

2. Definitions.- In this regulation, unless the context otherwise requires,—

(i) “Act” means the Pension Fund Regulatory and Development Authority Act , 2013 (23 of 2013);

(ii) “any other pension scheme” means any other pension scheme referred to in clause (b) of sub-section (1) of

section 12 of the Act;

(iii) “Auditor” means a person who is qualified to audit the accounts of a company under Section 224 of the

Companies Act, 1956 (1 of 1956) or appointed under Section 139 of the Companies Act, 2013.

(iv) “Authority” means the Pension Fund Regulatory and Development Authority established under sub-section

(1) of section 3 of the Pension Fund Regulatory and Development Authority Act, 2013;

(v) “Chairperson” means the Chairperson of the Authority;

(vi) “Company” means any entity formed and registered under Companies Act, 1956 or incorporated under the

Companies Act, 2013.

(vii) “Compliance Officer” shall be a person of responsibility from a Retirement adviser, and designated as

such, duly responsible for monitoring compliance of the provisions of Act, rules and regulations,

notifications, guidelines, instructions, etc., issued by the Authority or the Central Government from time to

time and for redressal of subscriber grievances.

(viii) “Fees and charges” means fees and charges payable as remuneration for services rendered by intermediaries

under National Pension System.

(ix) “Member” means member of the Authority and includes its Chairperson.

(x) “Prospects” means any prospective subscriber or group of subscribers of National Pension System or any

organisation or corporate or employer which desires to implement National Pension System for its

employees or has implemented such pension system for its employees.

(xi) “Retirement adviser” means any person being an individual, registered partnership firm, body corporate, or

any registered trust or society, which desires to engage in the activity of providing advice on National

Pension System or other pension scheme regulated by Authority to prospects/subscribers or other persons or

group of persons and is registered as such under these regulations.

(2) Words and expressions used and not defined in these regulations but defined in the Act, shall have the meanings

respectively assigned to them in the Act.

CHAPTER II

REGISTRATION OF RETIREMENT ADVISERS

3. Application for grant of certificate.- (1) On and from the commencement of these regulations, any

individual, firm or a corporate body or any registered trust or society, acting as a retirement adviser or desirous of

acting as such or holding himself or itself out as a retirement adviser by providing or disseminating advice in any

manner, either oral or in writing on National Pension System (NPS) or any pension scheme regulated by the

Authority, to any potential or existing subscriber, with the object of facilitating opening of new accounts or offering

advisory services to existing subscribers, shall obtain a certificate of registration to act as a retirement adviser from

the Authority as provided under these regulations :

(2) An application for grant of certificate of registration shall be made in Form A as specified in the First Schedule

to these regulations and shall be accompanied by a non-refundable application fee to be paid in the manner specified

in Second Schedule.

4. Exemption from registration.- (1) The following persons or entities shall not be required to seek registration

under regulation 3 subject to the fulfilment of the conditions stipulated therefor, —

(a) Any intermediary or entity regulated by the Authority.

(b) Any other entity as may be specified by the Authority other than specified under sub-regulation (2


(2) The following persons or entities shall not be required to obtain a certificate of registration subject to the

fulfilment of the conditions stipulated therefor, —

(a) Any advocate, solicitor or law firm, who provides retirement advice to their clients, incidental to

their legal practice;

(b) Any member of Institute of Chartered Accountants of India, Institute of Company Secretaries of

India, Institute of Cost and Works Accountants of India, Institute of Actuaries of India or any other

professional body as may be specified by the Authority, who provides retirement advice to his clients,

incidental to his professional service;

(c) Any other entity as may be specified by the Authority.

Provided that such persons or entities shall comply with the general obligation(s) and responsibilities as

specified in these regulations and shall be fully liable for any defaults, as provided under these regulations,

notwithstanding that such persons or entities have not obtained or granted any certificate of registration under these

regulations:

5. Furnishing of further information, clarification and personal representation.- (1) The Authority may require the

applicant to furnish further information or clarification regarding matters relevant to retirement advisory services for the

purpose of consideration of the application filed under sub-regulation (2) of regulation 3.

(2) The applicant or his authorised representative, if so required, shall appear before the Authority for personal

representation in regard to processing and grant of registration or exemption where so applicable.

6. Consideration of application and eligibility criteria.- For the purpose of the grant of certificate, the Authority shall

take into account all matters which are relevant to the grant of certificate of registration and in particular the following,

namely, —

(a) whether the applicant is an individual, a body corporate or a registered partnership firm or society or trust

registered under applicable law;

(b) where the applicant is a body corporate, all the representatives of the applicant who provide retirement advice

are appropriately qualified and certified as specified in regulation 7;

(c) Where the applicant is a proprietary concern, firm, limited liability partnership or trust or society, proprietors or

all partners or majority of trustees or members of the society who are engaged in giving retirement advice are

qualified and certified as specified in regulation 7;

(d) whether the applicant has the necessary infrastructure to effectively discharge the activities of a retirement

adviser;

(e) whether the applicant or any person directly or indirectly connected with the applicant has in the past been

refused certificate by the Authority in regard to any functions or as an intermediary and if so, the grounds for

such refusal;

(f) whether any disciplinary action or other measures have been taken by the Authority or any other regulatory

authority or by a government department or by any entity in the financial sector or by any professional body or

institution against any person or entity, either directly or indirectly connected with the applicant under the

respective Act, rules or regulations made thereunder in the past five years immediately preceding such

application or such person has been convicted by any court for commission of any economic offence or

involving moral turpitude in the past five years immediately preceding such application ;

(g) any other criteria that may be notified by the Authority, as may be deemed fit in the interest of subscribers.

7. Qualification and certification requirement.-

(a) The individual, proprietor, partners, trustees, members and representatives of a retirement adviser registered

under these regulations, offering retirement advice shall possess the minimum qualifications of that being a

Graduate in any discipline, at all times, and;

(b) Individuals and the proprietor, partners, trustees, members and representatives of retirement advisers to ensure

that the individuals offering retirement advice shall, at all times, possess a valid certification on retirement planning

or retirement advisory services from an Institute accredited by the Authority.

Provided that such certification shall not be mandatory in the following cases:

(i) an Investment Adviser registered with Securities and Exchange Board of India under its regulations

(ii) any Certified Financial Planner (CFP) or Associate Financial Planner (AFP)- Retirement Planning

Certification/s, awarded by Financial Planning Standards Board India (FPSB India)

(iii) any other cases as specified by Authority.

Provided further that fresh certification or renewal of the existing certificate through completing continuous

professional education by the accredited institute must be obtained before expiry of the validity of the existing


certificate to ensure continuity in compliance with certification requirements.

8. Security Deposit.- (i) Retirement Advisers which are body corporate or partnership firm or any registered trust or

society, on registration shall provide security deposit in the form of bank deposit or performance guarantee of Rs. one lac

to the Authority before commencement of its business. The deposit/ Guarantee shall be valid for a period of six months

beyond the original or renewed period of registration so granted. Such security deposit or guarantee shall be issued by a

scheduled commercial bank and where any bank is offering services of a retirement adviser, then security deposit shall be

issued by another scheduled commercial bank.

(ii) Retirement Advisers who are individuals or carrying on proprietary concerns, upon registration shall provide security

deposit in the form of bank deposit or performance guarantee of Rs. ten thousand to the Authority before

commencement of business. The bank deposit/Guarantee shall be valid for a period of six months beyond the original or

renewed period of registration period so granted. The registration is liable to be cancelled if such deposit is not received

within the time stipulated by the Authority, unless extended.

9. Grant of certificate of registration.- The Authority on being satisfied that the applicant satisfies and complies with

the requirements specified in regulation 6 shall send intimation to the applicant and on receipt of the payment of

registration/renewal fees as specified in Second Schedule, shall grant a certificate of registration in Form B as specified

under First Schedule, subject to observance of such terms and conditions accompanying such certificate of registration.

10. Period of validity of certificate.- The certificate of registration granted under regulation 9 shall be valid for a period

of three years from the date of its issue.

11. Renewal of certificate.- (1) Three months before the expiry of the period of validity of the certificate, the

retirement adviser may, if he so desires, make an application in Form A for grant of renewal of certificate of registration

(2) The application for renewal under sub-regulation (1) shall be dealt with in the same manner as if it were an

application made under sub-regulation (2) of regulation 3 for grant of certificate.

Provided however that the Authority may also take into consideration, the performance of the retirement adviser

during the original period of certification including the number of new accounts opened.

(3) . In case the application for renewal is not received within the time period stipulated in sub-regulation (1), the

Authority may consider the application on receipt of the same along with the late fee as specified by the Authority. No

application for renewal shall be accepted beyond a period of one hundred and eighty days from the date of expiry of

existing registration.

(4) An existing Retirement Adviser shall have no special rights or privilege for grant of such renewal by the Authority.

(5) The Authority may if it deems fit, exempt at the time of renewal, any existing Retirement Adviser from satisfying any

of the eligibility conditions, for reasons to be recorded in writing and such exemption may be granted with or without any

conditions.

12. Procedure where registration is refused.- (1) After considering an application made under regulation 3, if the

Authority is of the opinion that a certificate should not be granted to the applicant, it may reject the application for

reasons to be recorded in writing. The Authority may before rejecting the application give the applicant a reasonable

opportunity of curing the deficiencies within a specified time period.

(2) The decision of the Authority to reject the application shall be communicated to the applicant within thirty days of

such decision.

(3) Where an application for a certificate of renewal is rejected by the Authority, the applicant shall forthwith cease to

act as a retirement adviser certified by Authority :

Provided that nothing contained in this regulation shall affect the liability of the applicant towards the subscribers

associated with it, under law.

13. Conditions of certificate.-The certificate granted under regulation 9 shall, inter alia, be subject to the following

conditions:-

(a) the retirement adviser shall abide by the provisions of the Act and these regulations and features of National

Pension System;

(b) the retirement adviser shall forthwith inform the Authority in writing, if any information or particulars

previously submitted to the Authority are found to be false or misleading in any material particulars or if there is

any material change in the information already submitted;

(c) the retirement adviser shall include the words ‘retirement adviser ’ in its name:

(d) Provided that if the retirement advisory service is being provided by a separately identifiable department or

division or a subsidiary, such separately identifiable department or division or subsidiary shall include the

words ‘retirement adviser ’ in its name;

14. Suspension and Cancellation of Certificate of Registration.- The certificate of registration issued to the

Retirement Adviser shall be liable to be suspended, withdrawn, revoked or cancelled, as the case may be in the


following cases, namely if the Retirement Adviser :

(a) fails to comply with any of the conditions subject to which the certificate has been granted;

(b) contravenes any of the provisions of the Pension Fund Regulatory and Development Authority Act, 2013,

the regulations made thereunder and such other guidelines or directions issued by the Authority from time

to time; or;

(c) fails to furnish any information relating to his activities as retirement adviser, as required by the Authority;

(d) furnishes wrong or false information, or conceals or fails to disclose material facts in the application

submitted for obtaining the certificate;

(e) does not submit periodical returns as required by the Authority;

(f) fails to resolve the complaints of the subscribers or fails to give a satisfactory reply to the Authority in this

behalf;

(g) does not co-operate with any inspection conducted by the Authority;

(h) acts in a manner detrimental to or against the interest of the subscriber or against public interest or does not

promote orderly growth of National Pension System or violates the features of the said scheme;

(i) against whom any investigation has been commenced by any agency or authority in relation to activities of

fraud or financial impropriety or any orders of restraint, debarment, prohibition or like nature has been

passed against it by any regulatory body or by the government or has been convicted for commission of any

economic offences or involving moral turpitude by any court of law.

(j) Any other acts of commission or omission as may be specified by the Authority through notification or

circulars or guidelines.

15. Fees to be charged by the Retirement Adviser.- (1) A Retirement adviser shall provide retirement advice and

facilitate on-boarding to National Pension System and assist the subscriber in getting the subsequent services under

National Pension System. The fees for retirement advice, on-boarding and subsequent services or transaction may be

charged by the Retirement Adviser, subject to the maximum of charges as may be specified by the Authority.

The upper ceiling for on-boarding for a prospect under National Pension System shall be Rupees one hundred and

twenty only which shall be subject to revision by the Authority from time to time and as may be specified by the

Authority through issuance of appropriate circular/guidelines/directions. Payment of on-boarding fee will be chargeable

only on completion of the registration process/on-boarding of the subscriber and generation of individual pension

account.

For any subsequent services, the individual Retirement Adviser shall be entitled to charge upto Rupees. Twenty only per

transaction or a maximum of Rupees One Hundred annually which may be subject to revision by the Authority from time

to time, as may be specified in that behalf by issuance of appropriate notifications, guidelines, circulars or directions.

(2) Retirement Adviser which is an individual or a firm or body corporate or any other entity, advising a prospect or

subscriber or a group or class of subscribers collectively, may charge advisory fees, subject to any ceiling as may be

specified by Authority, through issuance of appropriate notifications ,guidelines, circulars or any other directions, if any.

The fees in such cases shall be chargeable as per the written agreement between the prospect/subscriber and the

Retirement Adviser. Further, a Retirement Adviser shall ensure that fees charged to the prospects/subscribers including

the group of subscribers are fair and reasonable and commensurate to the services offered.

All fee and charges collected shall be duly acknowledged by the retirement adviser by issuance of appropriate receipts

for the service provided.

16. Recognition of body or body corporate for monitoring of retirement advisers.- (1) The Authority may recognize

any body or body corporate for the purpose of monitoring the activities of retirement advisers.

(2) The Authority may, at the time of grant of recognition to such body or body corporate, delegate administration and

supervision of retirement advisers to such body or body corporate on such terms and conditions as may be specified by

the Authority.

(3) The Authority may specify that no person shall act as a retirement adviser unless he or she or it is a member of such a

recognized body or body corporate and in such event, provisions of these regulations and byelaws or articles of such

body or body corporate shall apply mutatis mutandis to such retirement advisers.

CHAPTER III

GENERAL OBLIGATIONS AND RESPONSIBILITIES

17. General responsibility.-

(a) A Retirement Adviser shall act in a fiduciary capacity towards his prospects/subscribers and shall

disclose all conflicts of interests as and when they arise;

(b) A Retirement Adviser may have a tie up with the registered Points of Presence for providing services to


the prospects. There shall be no restrictions on the number of Points of Presence with whom the

Retirement Adviser may enter into such arrangements provided that the interests of the subscribers are

not adversely affected.;

(c) A Retirement Adviser shall not receive any consideration by way of remuneration or compensation or

in any other form from any person other than the prospect or subscriber being advised, in respect of

National Pension System (NPS) or other pension scheme regulated by Authority, for which such advice

is provided;

(d) A Retirement Adviser shall not collect any amount in cash for investment or contribution to the

pension account of the subscribers in the capacity of Retirement Adviser;

(e) The Retirement Adviser shall advice the prospects or subscribers of the manner of filling the

registration form for enrolment, exit forms, various other forms required to modify or change personal

master details, nomination, Point of Presence, Pension Funds, investment choice and other related

activities under National Pension System or other pension schemes;.

(f) The Retirement Adviser shall advice the subscribers on a periodic basis about the performance of

Pension Funds, underlying asset portfolio, NAV, general financial market trend or any other relevant

information through dedicated e-mail, newsletters or other specified means ;

(g) The Retirement Adviser shall advice the subscribers on a periodic basis about the change in various

policies & guidelines issued by Authority, or other information pertaining to intermediaries under

National Pension System including the National Pension System Trust;

(h) A retirement adviser shall maintain an arms-length relationship between its activities as a Retirement

Adviser and its other activities;

(i) A Retirement Adviser which is also engaged in activities other than that of retirement advisory services

shall ensure that its retirement advisory services are clearly segregated from all its other activities;

(j) A Retirement Adviser shall ensure that in case of any conflict of interest on retirement advisory

activities with other activities, such conflict of interest shall be disclosed to the prospects or

subscribers, beforehand;

(k) A Retirement Adviser shall not divulge any confidential information about its prospect or subscriber,

which has come to his or its knowledge, without taking prior permission of its prospect or subscriber,

except where such disclosures are required to be made in compliance with any law for the time being in

force;

(l) A Retirement Adviser shall follow ‘Know Your Customer’ procedure as specified by the Authority

from time to time;

(m) A Retirement Adviser shall abide by Code of Conduct as specified by Authority;

(n) In case of change in control of firm of the Retirement Adviser, timely intimation shall be given to

Authority;

(o) Retirement Advisers shall furnish to the Authority information and reports as may be specified by the

Authority from time to time.

(p) It shall be the responsibility of the Retirement Adviser to ensure that its representatives and partners, as

applicable, comply with the certification and qualification requirements as specified by Authority at all

times.

18. Scope of Work.- A Retirement Adviser shall undertake the following activities:

(i) Creating awareness of National Pension System and other pension schemes regulated by Authority will be the

core responsibility of the Retirement Adviser;

(ii) To facilitate on-boarding of the prospective subscriber to National Pension System or other pension scheme

regulated by Authority;

(iii) To advise prospects on the necessity of old age income security, retirement planning, level of contributions they

can make , having regard to their current and future potential income to achieve desired retirement objectives

and other issues connected with taking of these decisions and avoid chances of mis-selling;

(iv) To help prospects and other subscribers in planning for retirement savings;

(v) The retirement adviser is expected to exercise professional due diligence while dealing with prospects and

possess the necessary skills towards this end;

(vi) The retirement adviser shall allow a free and frank atmosphere while dealing with prospects, which shall allow

them to take informed transactional decisions and for this purpose and shall keep the interest of the

prospect/subscriber in the forefront;


(vii) The retirement adviser is required to collect and suggest prospects or subscribers , the most suitable scheme,

taking into consideration the following aspects of the prospects and based on utmost good faith and fair market

practices:

a. Due diligence on the requirements of the prospects to suggest them the most suitable products by

collecting basic information of the prospects such as information pertaining to age, marital status,

dependents, current assets, liabilities, income, planned purchases, planned retirement age; plans post

retirement, family history of health and longevity and the current health position.

b. Identifying prospect’s financial and retirement goals.

c. Analyzing prospect’s current financial situation and current investments.

d. Risk profiling of the prospect or subscriber.

e. Asset Allocation

f. Investment allocation strategy

g. Periodic monitoring and balancing.

h. Likelihood of immediate and near future financial commitments of either self or family.

(viii) A Retirement Advisor will enable the subscribers to avail the benefits of pension schemes regulated by

Authority by supporting them in making simple decisions about contributions, investments allocation and

selection of Pension Funds.

(ix) A Retirement Adviser shall partner with corporates and Government departments to run awareness

programmes on retirement planning for their employees.

(x) A Retirement Advisor shall be able to appropriately guide and advice the subscriber about the risk and return

profiles of the different financial assets and also advise the most suitable ratio of fund allocation in each of the

asset classes viz. Equity, Government Securities, Corporate Bonds after duly considering the profile of the

prospect and prevailing market conditions, and expected growth in the various parameters of economy and

financial markets. A retirement advisor shall not hold out any guarantee for the performance of any asset.

(xi) Retirement Advisors may create awareness on the fund performance of each pension fund including

comparison of the returns of the scheme and investments made by the pension funds, on the basis of

information made available or approved by Authority.

(xii) Retirement Advisors would transmit information and documents to intermediaries in a time bound manner and

maintain utmost confidentiality at all times of personal information collected from subscribers and shall not

use it for any other activity without the consent of the subscriber.

19. Risk profiling. - Retirement Adviser shall ensure that,-

(a) it obtains from the prospects or subscribers, such information as is necessary for the purpose of giving

retirement advice, including the following:-

(i) age;

(ii) income details;

(iii) existing retirement savings/ assets;

(iv) risk appetite/ tolerance;

(v) liability/borrowing details.

(vi) dependent family members

(vii) life/health insurance details

(viii) any other relevant information

in the risk profiling sheet as specified in fourth schedule as amended by the Authority from time to time.

(b) it follows a process for assessing the risk, a prospect or subscriber is willing and able to take, including:

(i) assessing a prospect’s capacity for absorbing loss;

(ii) identifying whether prospect is in a position to understand the concept of market risk involved in the

process of investment;

(iii) appropriately interpreting prospect’s responses to questions and not attributing inappropriate weight to

certain answers.;

(iv) is able to understand and appreciate that retirement plans involve long gestation period, and early

liquidation or exit, from the scheme is not beneficial.

(c) where tools are used for risk profiling, it shall be ensured that the tools are fit for the purpose and any

limitations are identified and mitigated;


(d) any questions or description in any questionnaires used to establish the risk that a prospect is willing and

able to take are fair, clear and not misleading, and shall ensure that:

(i) questionnaire is not vague or use double negatives or in a complex language that the prospect may not

understand;

(ii) questionnaire is not structured in a way that it contains misleading questions.

(e) once the assessment is done, risk profile of the prospect is communicated to the prospect;

(f) risk assessment is updated periodically on the basis of the information provided by prospects or subscribers.

20. Disclosures to prospects/subscribers.- (a) A retirement adviser shall disclose to a prospective subscriber, all

material information about himself/itself including its business, disciplinary proceedings history, professional

qualifications, the terms and conditions on which it offers advisory services, affiliations with other intermediaries and

such other information as is necessary to take an informed decision on whether or not to avail his/its services;

(b) A retirement adviser shall disclose to its prospect, any consideration by way of remuneration or

compensation or in any other form whatsoever, received or receivable by it;

(c) A retirement adviser shall disclose to the prospect any actual or potential conflicts of interest arising from

any connection to or association with any intermediaries under National Pension System or any other

pension scheme regulated by Authority, including any material information or facts that might compromise

its objectivity or independence in the carrying on of retirement advisory services;

(d) A retirement adviser shall, while making an advice, make adequate disclosure to the prospect of all material

facts relating to the key features of the services or products or securities, particularly, performance track

record of various investment asset class and annuity schemes offered by various Pension Funds and

Annuity Service Providers.;

(e) A retirement adviser shall draw the prospect’s attention to the warnings, disclaimers in documents,

advertising materials relating to an investment choice and annuity choice which it is recommending to the

prospect/subscriber;

(f) A retirement adviser shall inform that National Pension System is not a tie-up with other products or

offered in combination with other financial products or services provided by the retirement adviser;

(g) A retirement adviser shall refrain from making any statements which are derogatory or disparages or

distorts the image of National Pension System or that of the Authority in any manner.

21. Maintenance of records.- (a) A Retirement Adviser shall maintain the following records,-

(i) Know Your Customer records of the prospects or subscriber;

(ii) Risk profiling sheet as specified in Fourth schedule as amended from time to time, duly filled up and

signed by the subscriber Copies of agreements with prospects or subscribers, if any;

(iii) A register or record containing list of the prospects or subscribers, the date of advice, fee charged , if any

for such advice.

(iv) Any other documents or records, as may be notified by the Authority.

(b) The records may be maintained in physical or electronic format in such manner that it can be retrieved whenever

required by the Authority or any other person authorised by the Authority.

(c) A Retirement Adviser, other than an individual Retirement Adviser generating a fees of amount of more than the limit

as specified by Authority for retirement advisory services, shall undertake yearly audit in respect of compliance with

these regulations from a member of Institute of Chartered Accountants of India. Provided that in case of banks offering

services of retirement adviser, the same shall be covered under the scope of its statutory audit.

22. Appointment of compliance officer.- A Retirement Adviser which is a body corporate or a partnership firm or any

registered trust or society shall appoint a compliance officer who shall be responsible for monitoring the compliance by

the Retirement Adviser in respect of the requirements of the Act, regulations, notifications, guidelines, instructions issued

by the Authority. For individual retirement advisers, compliances shall be the responsibility of such person in whose

name the certificate of registration has been granted by the Authority.

23. Redressal of grievances.- (a) A Retirement Adviser shall redress subscriber grievances promptly.

(b) A Retirement Adviser shall abide by and be bound by the provisions of the Pension Fund Regulatory

and Development Authority (Redressal of Subscriber Grievance) Regulations, 2015 as amended from time

to time.

24. Segregation of execution services.- Retirement Advisers which are banks, Non Banking Finance Companies

(NBFCs) and body corporate providing distribution or execution services to their prospects shall keep their retirement

advisory services segregated from other activities:

Provided that such distribution or execution services can only be offered subject to the following:


(a) The prospect shall not be under any obligation to avail the distribution or execution services offered by the

Retirement Adviser.

(b) The Retirement Adviser shall maintain arm’s length relationship between its activities as retirement adviser

and distribution or execution services.

(c) All fees and charges paid to distribution or execution service providers by the prospect shall be paid directly

to the service providers and not through the Retirement Adviser.

(d) The Retirement Adviser shall not force the subscriber in any manner to avail their services as a condition

precedent for subscribing to National Pension System or offer any tie up services without the approval of

the Authority.

CHAPTER IV

INSPECTION

25. Authority’s right to inspect. (1)The Authority may suo moto or upon receipt of information or complaint appoint

one or more persons as inspecting authority to undertake inspection of the books of accounts, records and documents

relating to retirement advisers for any of the following reasons, namely: -

(a) to ensure that the books of account, records and documents are being maintained by the retirement adviser in the

manner specified in these regulations;

(b) to inspect into complaints received from subscribers or any other person, on any matter having a bearing on the

activities of the retirement adviser;

(c) to ascertain whether the provisions of the Act and these regulations are being complied with by the retirement adviser;

(d) to inspect into the affairs of a retirement adviser, in the interest of the pension sector or in the interest of subscribers.

(2) In respect of banks offering services of retirement adviser, without prejudice to the powers of inspection as contained

under sub-regulation(1), the Authority may request the Reserve Bank of India to exercise such powers, as may be

required.

26. Notice before inspection.- (1) Before ordering an inspection under regulation 25, the Authority shall give not less

than ten days notice to the retirement adviser.

(2) Notwithstanding anything contained in sub-regulation (1), where the Authority is satisfied that in the interest of the

subscribers no such notice should be given, it may by an order in writing direct that the inspection of the affairs of the

retirement adviser be taken up without such notice.

(3) During the course of an inspection, the retirement adviser against whom the inspection is being carried out shall be

bound to discharge its obligations as provided in regulation 25.

27. Obligation of retirement adviser on inspection.- (1) It shall be the duty of every retirement adviser in respect of

whom an inspection has been ordered under the regulation 25 and any other associate person who is in possession of

relevant information pertaining to conduct and affairs of such retirement adviser, including representative of retirement

adviser, if any, to produce to the inspecting authority such books, accounts and other documents in his custody or control

and furnish him with such statements and information as the inspecting authority may require for the purposes of

inspection.

(2) It shall be the duty of every retirement adviser and any other associate person who is in possession of relevant

information pertaining to conduct and affairs of the retirement adviser to give to the inspecting authority all such

assistance and shall extend all such co-operation as may be required in connection with the inspection and shall furnish

such information as sought by the inspecting authority in connection with the inspection.

(3) The inspecting authority shall, for the purposes of inspection, have power to examine on oath and record the

statement of any employees, directors, partners or person responsible for or connected with the activities of retirement

adviser or any other associate person having relevant information pertaining to such retirement adviser.

(4) The inspecting authority shall, for the purposes of inspection, have power to obtain authenticated copies of

documents, books, accounts of retirement adviser, from any person having control or custody of such documents, books

or accounts.

28. Submission of report to the Authority.- The inspecting authority shall, as soon as possible, on completion of the

inspection submit an inspection report to the Authority: Provided that if directed to do so by the Authority, the inspecting

authority may submit an interim report.

29. Action on the inspection report.-The Authority may after consideration of the inspection report and after giving

reasonable opportunity of hearing to the retirement adviser(s) or its authorized representatives, issue such directions as it

deems fit for the orderly growth of National Pension System or the subscribers including,-

(a) requiring a retirement adviser not to provide retirement advice for a particular period;

(b) requiring the retirement adviser to refund any money collected as fees, charges or otherwise to the concerned

subscribers along with the requisite interest and compensation which may be prescribed by the Authority. In case of any

loss caused to the subscriber(s) by an act of commission or omission on the part of Retirement Adviser, the Authority

may invoke the Performance Guarantee submitted by the Retirement Adviser and Retirement Adviser may have to


compensate the subscriber(s) in addition to Authority initiating penal action keeping in mind the extent of violation and

level of violation as per the provisions of the Pension Fund Regulatory and Development Authority Act, 2013 and the

applicable regulations.

(c) prohibiting the retirement adviser from operating as a Retirement adviser for such period as may be specified.

CHAPTER V

SUSPENSION OR CANCELLATION OF CERTIFICATE AND ACTION IN CASE OF DEFAULT

30. Cancellation or suspension of certificate of registration.-(1) Without prejudice to any other action which may be

taken by the Authority, the certificate of a registration granted to a Retirement Adviser is liable to be suspended,

cancelled or withdrawn upon happening any of the following events, namely:-

(a) fails to comply with any of the terms and conditions subject to which a certificate of Registration has been

granted to it;

(b) contravenes any of the provisions of the Act or the rules or the regulations made or guidelines, notifications,

directions, instructions or circulars issued by the Authority thereunder;

(c) voluntarily applies to withdraw the certificate of registration granted by the Authority;

(d) a receiver, receiver and manager, administrator or similar person is appointed with respect to the assets and

undertakings of the retirement adviser;

(e) the retirement adviser,-

(i) goes into liquidation (other than for the purposes of a reconstruction or amalgamation on terms previously

approved in writing by the Authority);

(ii) ceases to carry on business;

(iii) breaches any provision of the terms and conditions of registration, or fails to observe or perform any

representation, warranty or undertaking given by the retirement adviser or fails to correct such breach or

failure within ten working days of receiving notice in writing from the Authority specifying such breach or

failure;

(iv) conducts its business in a manner prejudicial to the interest of the subscribers under National Pension

System;

(v) does not co-operate in any enquiry conducted by the Authority;

(vi) indulges in manipulating the business under the National Pension System or any other pension schemes;

(vii) indulges in unfair trade practices.

(f) if retirement adviser, in the opinion of the Authority, has engaged in corrupt or fraudulent practices in obtaining

the certificate of registration or has been blacklisted by any Government authority or regulator or an order of

restraint, debarment, prohibition or any order of such like nature has been passed against it or such retirement

adviser or any of its principal officer has been convicted by a court of law for commission of economic offences

or involving any moral turpitude;

(g) if retirement adviser submits to the Authority a false statement or information which has a material effect on the

rights, obligations or interests of the Authority or the subscribers;

(h) if retirement adviser does not submit periodical returns as required by the Authority;

(i) if retirement adviser fails to furnish any information as required by the Authority relating to its activities;

(j) there is a change in the ownership, management or key personnel of the retirement adviser which in the opinion

of the Authority adversely affects the interest of the subscribers;

(k) performance is significantly and consistently low compared to assigned targets or with reference to other

retirement advisers;

(l) acts in a manner prejudicial to the interests of the subscribers;

(m) does not cooperate in an inquiry conducted by the Authority;

(n) commits any acts of defaults as mentioned under section 28 of the Act;

(o) any other reason which in the opinion of the Authority warrants suspension, cancellation or withdrawal of the

certificate of registration granted.

(2) The Authority may without prejudice to the powers under sub-regulation (1) instead of cancelling or suspending or

withdrawing the certificate of registration, direct for varying or modifying the terms and conditions of the certificate of

registration, as it may deem fit or pass any other order, as may be deemed beneficial in the interest of the subscribers, for

reason to be recorded in writing.


(3) No order of cancellation, termination or suspension of registration shall be made unless the person concerned has

been given a reasonable opportunity of being heard under an inquiry conducted as per the Regulations.

(4) Persons or entities who are permitted to carry on the activities pertaining to retirement adviser under Regulation 4,

without having obtained a certificate of registration or in whose case such certificate is not required, may also be liable to

such actions, including being debarred, prohibited or suspended from offering services as such retirement adviser.

31. Effect of suspension or cancellation or withdrawal of certificate of registration.- (1) On and from the date of

suspension or cancellation of the certificate of registration, the retirement adviser shall-

(a) cease to transact fresh business under the National Pension System or other pension schemes, as the case may be;(b)

take such action in respect of the assets, records, documents or information that may be in the custody or control of the

retirement adviser, within the time limit and in the manner as may be required under the relevant regulations or as may be

directed by the Authority;

(c) transfer at its own cost the assets, records, documents or information that are in its custody or control to another

retirement adviser in the form and manner as may be directed by the Authority;

It shall also ensure that the transfer of all the relevant documents, record or information is made in accordance with the

directions issued by the Authority. Any form of non-support or non-cooperation or obstructions from the retirement

adviser shall render the retirement adviser liable for imposition of penalty;

(f) the retirement adviser shall be subject to the directions of the Authority until all such transfers or actions are

completed or until, the certificate of registration remains suspended.

32. Appointment of designated authority.- (1)Where it appears to the designated member that any retirement adviser

which has been granted certificate of registration under the Act, these regulations or any other concerned person has

committed any default of the nature specified in regulation 32, he may appoint an officer not below the rank of a Chief

General Manager, or any other officer of an equivalent rank as a designated authority.

(2) No officer who has conducted investigation or inspection in respect of the alleged violation shall be appointed as a

designated authority.

33. Issuance of notice.- (1) The designated authority shall, if it finds reasonable grounds to do so, issue a notice to the

retirement adviser or any other concerned person requiring it to show cause as to why the certificate of registration

granted to it, should not be suspended or cancelled or why any other action provided herein should not be taken.

(2) Every notice under sub-regulation (1) shall specify the contravention alleged to have been committed by the noticee

indicating the provisions of the Act, regulations, directions or circulars in respect of which the contravention is alleged to

have taken place.

(3) There shall be annexed to the notice issued under sub-regulation (1) copies of documents relied on in making of the

imputations and extracts of relevant portions of documents, reports containing the findings arrived at in an investigation

or inspection, if any, carried out.

(4) The noticee shall be called upon to submit within a period to be specified in the notice, not exceeding twenty-one

days from the date of service thereof, a written representation to the designated authority.

34. Reply by noticee. –(1 The noticee shall submit to the designated authority its written representation within the period

specified in the notice along with documentary evidence, if any, in support thereof:

Provided that the designated authority may extend the time specified in the notice for sufficient grounds shown bythe

noticee and after recording reasons of extension in writing.

(2) If the noticee does not reply to the show-cause notice, within the time granted for the purpose, the designated

authority may proceed with the matter exparte recording the reasons for doing so and make recommendation as the case

may be on the basis of material facts available before him.

35. Action in case of default.-After considering the representations, if any, of the noticee, the facts and circumstances of

the case and applicable provisions of the Act, regulations, directions, guidelines, notifications or circulars issued or

administered by the Authority, the designated authority shall submit a report, where the facts so warrant, recommending,-

(a) suspension of certificate of registration for a specified period;

(b) cancellation of certificate of registration;

(c) prohibiting the noticee to take up any new assignment or contract or launch new scheme for the period specified in

the order;

(d) debarring the principal officer of the noticee from being employed or associated with any registered intermediary, for

the period as may be specified;

(e) imposition of any other condition , restrictions or compliances as may be deemed necessary upon the noticee or its

principal officer or other officers or any other person concerned with it;

(f) warning the noticee.


36. Procedure for action on recommendation.- (1)On receipt of the report recommending measures from the

designated authority, the designated member shall consider the same and issue a show-cause notice to the noticee

enclosing a copy of the report submitted by the designated authority calling upon the noticee to submit its written

representation as to why the action, including passing of appropriate direction, should not be taken.

(2) The noticee may, within twenty-one days of receipt of the notice send a reply to the designated member who may

pass appropriate order after considering the reply, if any received from the noticee and providing the person with an

opportunity of being heard, as expeditiously as possible and endeavor shall be made to pass the order within one hundred

and twenty days from the date of receipt of reply of the notice or hearing.

(3) The designated member may pass a common order in respect of a number of noticees where the subject matter in

question is substantially the same or similar in nature.

37.Intimation of order.- (1)Every report made by a designated authority and every order passed by the designated

member under these regulations shall be dated and signed.

(2) A copy of the order passed under these regulations shall be sent to the retirement adviser or any person concerned

with it and also placed on the website of the Authority.

38. Penalty and adjudication.-The imposition of penalty, if any, on the retirement adviser or any person concerned shall

be in accordance with the provisions of the Act and the Pension Fund Regulatory and Development Authority(Procedure

for Inquiry by Adjudicating Officer) Regulations, 2015.

39. Appeals to Securities Appellate Tribunal.-The retirement adviser or any person concerned, aggrieved by an order

under these regulations, may prefer an appeal to the Securities Appellate Tribunal, against such order in accordance with

the provisions of sub-section (1) of section 36 of the Act.

Explanation.- For the purposes of this Chapter, the expression,-

(a) “designated authority” means an officer of the Authority appointed under sub-regulation (1) of regulation 32;

(b) “designated member” means the Chairperson or a whole-time member of the Authority designated for the purpose;

(c) “noticee” means the person to whom a notice has been issued under this Chapter.

CHAPTER VI

MISCELLANEOUS

40. Power of the Authority to issue clarifications etc. -In order to remove any difficulties in the application or

interpretation of these regulations, or for any other matter the Authority shall have the power to issue clarifications and

guidelines in the form of notes or circulars which shall be binding on the retirement adviser or any person connected with

it.

41. Power of the Authority over entity recognized under regulation 16.- The Authority shall have the right to alter,

modify and overrule any decision, action taken by the body or body corporate recognized under regulation 16

42. Power of Authority to issue directions—(1) Without prejudice to any order that may be issued under these

regulations, the Authority may, in the interest of the subscribers or for the purpose of securing the proper management of

retirement adviser , issue necessary direction which the Authority may deem fit and proper in the circumstances of the

case:

Provided that before issuing any directions, the Authority shall give to the persons concerned, a reasonable opportunity

of being heard:

Provided further that if the circumstances warrant that any interim direction is required to be passed immediately, the

Authority may give to the persons concerned, a reasonable opportunity of being heard after passing the direction, without

any undue delay.

HEMANT G. CONTRACTOR, Chairperson

[ADVT-III/4/Exty./142]

FIRST SCHEDULE

FORM A

Pension Fund Regulatory and Development Authority (Retirement Adviser) Regulations, 2016

[See Regulations 3 and 11]

Application for Grant of Certificate of Registration/Renewal as Retirement adviser

Pension Fund Regulatory and Development Authority, B-14/A,Chhatrapati Shivaji Bhawan, Qutab Institutional Area,

Katwaria Saria, New Delhi-110016

INSTRUCTIONS


1. This form is meant for use by the applicant for grant of certificate of registration as a retirement adviser.

2. The applicant should complete this form, and submit it, along with all supporting documents to the Authority at its

head office at New Delhi.

3. This application form should be filled in accordance with these regulations.

4. The application shall be considered by the Authority provided it is complete in all respects.

5. All information must be legible and all the pages must be numbered with signature/ stamp on each page of the form.

6. Information which needs to be supplied in more detail may be given on separate sheets which should be attached to the

application form and appropriately numbered.

7. The application must be signed.

8. The application must be accompanied by an application fee as specified in the Second Schedule to these regulations.

1. GENERAL INFORMATION

(a) Name, address of the registered office, address for correspondence and principal place of business, telephone

number(s), fax number(s), e-mail address of the applicant along with the documents

(b) Whether application is for registration/ renewal. Provide registration number if the application is for renewal of

certificate.

(c) Name, direct line number, mobile number and e-mail of the contact person(s).

(d) Legal structure of applicant - Whether the applicant is an individual, a proprietor, body corporate (including

company), partnership firm or limited liability partnership or society or trust.

(e) Whether the applicant is a bank /NBFC.

(f) Date and place of incorporation/ establishment, if any. If the applicant is incorporated outside India, details of such

incorporation.

(g) Whether the applicant is engaged in retirement advisory services prior to making application under these regulations.

(h) Whether the applicant is registered with SEBI, RBI, IRDAI or PFRDA in any capacity. If so, details of such

registration.

(i) Write-up on the activities of the applicant.

(For renewal application, provide details of existing retirement advisory services including number and type of

subscribers, assets under advice, revenue, profitability, products/ retirement products on which retirement advice was

provided, etc.)

(j) Details of the certification from the accredited institute as specified in regulations 7, where applicable.

2. DETAILS OF APPLICANT ( besides general information sought above Provide details of only the section

applicable to you)

I. In case applicant is a company:

1. Shareholding pattern and profile of the directors (Enclose identity proof and address proof of the directors).

2. Number of employees and agents of the applicant (hereinafter referred to as ‘representatives’) who render/ propose to

render retirement advice under these regulations on behalf of the applicant.

3. Declaration by the applicant that its representatives currently comply with the certification and qualification

requirements under regulation 7.

4. Declaration by the applicant that it shall ensure that its representatives comply with the certification and qualification

requirements under Regulation 7 at all times.

5. List of associated companies registered with SEBI, RBI, IRDAI or PFRDA along with the registration number.

6. If applicant is a bank or NBFC, then copy of approval from RBI for undertaking retirement advisory services.

7. Net worth certificate by a chartered accountant, not more than six months old. Please note that membership number of

the chartered accountant must be included in the certificate,

II. In case applicant is a proprietorship firm, partnership firm or a limited liability partnership:

1. Name of proprietor, names and beneficial ownership pattern of the partners engaged/proposed to engage in retirement

advice (Enclose identity proof and address proof of the partners).

2. Whether the aforesaid proprietor or partners have:

a. A professional qualification or post-graduate degree or post graduate diploma in finance, accountancy, business

management, commerce, economics, capital market, banking, insurance or actuarial science from a university or an

institution recognized by the Central Government or any State Government or a recognised foreign university or

institution or association; or


b. A graduate in any discipline with an experience of at least five years in activities relating to advice in financial

products or retirement products or fund or asset or portfolio management.

(Provide self- certified copies of supporting documents).

3. Copy of certification obtained by the aforesaid partners in accordance with regulation 7.

4. Declaration that the aforesaid proprietor or partners shall obtain fresh certification before expiry of the validity of the

existing certification to ensure continuity in compliance with certification requirements.

5. Copy of assets and liabilities statement and certification of net tangible assets of the proprietor or partnership firm

certified by a chartered accountant (not more than six months old at the time of filing of application). Please note that

membership number of the chartered accountant must be included in the certificate.

III. In case applicant is a body corporate (other than company or limited liability partnership):

1. Shareholding pattern and profile of the directors (Enclose identity proof and address proof of the directors).

2. Whether the applicant is set up or established under an Act or the laws of the Central or State Legislature and whether

the applicant is permitted to carry on of the activity of a retirement adviser (Enclose relevant extract of the relevant

Statute/Act).

3. Number of employees and agents of the applicant (hereinafter referred to as ‘representatives’) who render/ propose to

render retirement advice under these regulations on behalf of the applicant.

4. Declaration by the applicant that its representatives currently comply with the certification and qualification

requirements under regulation 7.

5. Declaration by the applicant that it shall ensure that its representatives comply with the certification and qualification

requirements under regulation 7 at all times.

6. Net worth certificate by a chartered accountant, not more than six months old. Please note that membership number of

the chartered accountant must be included in the certificate.

IV. In case applicant is an individual

(1) Name, permanent address, address for correspondence and principal place of business, telephone number(s), fax

number(s), e-mail address of the applicant along with the documentary proof.

(b) Whether application is for registration/ renewal. Provide registration number if the application is for renewal of

certificate.

(c) Educational qualification along with supporting documents I,e. mark sheet, certificate etc.

(d) Professional qualification along with the supporting documents I,e. mark sheet, certificate etc. where applicable.

3. BUSINESS PLAN

1. Proposed business plan & means of achieving the same.

2. Process for risk profiling of the subscriber and for assessing suitability of advice.

4. DETAILS OF INFRASTRUCTURE

1. Details of office space, office equipment, furniture and fixtures, communication facilities, research capacity, research

software for undertaking retirement advisory services.

2. Declaration that the applicant has the necessary infrastructure to effectively discharge the activities of a retirement

adviser.

5. EXECUTION SERVICES

1. If the applicant is a body corporate, to explicitly mention whether the applicant proposes to offer distribution or

execution services to its subscribers.

2. If yes, the applicant has to provide a declaration that the services are being offered through a subsidiary or separately

identifiable department or division.

6. OTHER INFORMATION/DECLARATIONS/ REGULATORY ACTIONS.-

(a) Details of all settled and pending disputes in the last 5 years.

(b) Whether any previous application for grant of certificate made by any person directly or indirectly connected with the

applicant has been rejected by the Authority; If yes, provide details of the same.

(c) Whether any disciplinary action or orders of restraint, debarment or prohibition of any orders of such like nature has

been taken by the Authority or any other regulatory authority or government against any person directly or indirectly

connected with the applicant under the Act or the regulations made there under in the last 5 years immediately preceding

the date of application. If yes, provide details of such action.

(d) Whether the applicant/directors/promoters/ partners have been convicted/ indicted/involved in any economic offence


or involving moral turpitude in the last 5 years immediately preceding the date of application. If yes, provide details of

the same.

(e) A credit report/ score from CIBIL for the applicant. (For applicants other than financial institutions & banking

companies)

(f) Declaration that the applicant, its representatives and partners, if any, are fit and proper persons based on the criteria

as specified by Pension Fund Regulatory and Development Authority (Retirement Adviser) Regulations, 2016;

(g) Declaration that the applicant shall not obtain any consideration by way of remuneration or compensation or any

other form whatsoever, from any person other than the subscriber being advised, in respect of the underlying products or

securities for which advice is provided to the subscriber.

(h) Any other information considered relevant to the nature of services to be rendered by the applicant.

7. DECLARATION STATEMENT

I/We hereby agree and declare that the information supplied in the application, including the attachment sheets, is

complete and true. AND I/ we further agree that, I/we shall notify the Authority immediately of any change in the

information provided in the application.I/ We further agree that I/ we shall comply with, and be bound by the Pension

Fund Regulatory and Development Authority Act, 2013 and the rules and regulations made thereunder including the

Pension Fund Regulatory and Development Authority (Retirement Advisers) Regulations, 2016, and any

guidelines/circulars/notifications/directions and instructions as may be issued by the Authority from time to time.

I/ We further agree that as a condition of registration, I/ we shall abide by such operational instructions/directives as may

be issued by the Authority from time to time.

For and on behalf of

(Name of the applicant)

Authorized signatory/ Applicant

(Signature)

(Date and Place)

FORM B

Pension Fund Regulatory and Development Authority (Retirement Adviser) Regulations, 2016 [See regulation 9]

Certificate of registration as Retirement Adviser.

In exercise of the powers conferred by sub-section 3 of section 27 of the Pension Fund Regulatory and Development

authority Act, 2013 (23 of 2013), read with the regulations made there under, the Authority hereby grants a certificate of

registration to _______________________________ act as a retirement adviser subject to the conditions specified

hereunder and in the Act and in the regulations made thereunder

II. The Registration Number of the retirement adviser is _____________ and shall remain valid until................

Date :

Place : New Delhi

For and on behalf of

Pension Fund Regulatory and Development Authority

SECOND SCHEDULE

Pension Fund Regulatory and Development Authority (Retirement Adviser) Regulations, 2016 [Regulation 9]

FEES

1. Every individual applicant shall pay non-refundable application fees of five hundred rupees and every applicant

other than individuals shall pay non-refundable application fees of five thousand rupees, along with the application for

grant or renewal of certificate of registration.

2. Applicants which are individuals shall pay a sum of one thousand rupees as registration/ renewal fee at the time

of grant or renewal of certificate by the Authority.

3 Applicants which are firms/body corporate/ registered trust /society shall pay a sum of ten thousand rupees as

registration/ renewal fee at the time of grant or renewal of certificate by the Authority.

4. The fee referred to in paragraph 2 and 3 shall be paid by the applicant within fifteen days from the date of

receipt of intimation from the Authority by a demand draft in favour of 'PENSION FUND REGULATORY AND

DEVELOPMENT AUTHORITY' payable at New Delhi. or as specified by the Authority from time to time.

5. The quantum of fee under this schedule may be revised by the Authority from time to time by issuing appropriate

circulars, directions or notifications. The Applicant shall be required to pay the applicable fee as notified by the authority.

THIRD SCHEDULE


Pension Fund Regulatory and Development Authority (Retirement Adviser) Regulations, 2016 [See sub-regulation (14)

of regulation 15]

CODE OF CONDUCT FOR RETIREMENT ADVISER

1. Honesty and fairness

A retirement adviser shall act with integrity, honesty, fairness and in the best interests of its subscribers and for orderly

growth of National Pension System and pension sector at all times..

2. Diligence

A retirement adviser shall act with due skill, care and diligence in the best interest of the subscribers and shall ensure that

its advice is offered after thorough analysis and taking into account available alternatives.

3. Capabilities

A retirement adviser shall have and employ effectively appropriate resources and procedures which are needed for the

efficient performance of its business activities.

4. Information about prospects/subscribers

A retirement adviser shall seek from its prospects or subscribers, information about their financial situation, investment

experience and retirement objectives relevant to the services to be provided and maintain confidentiality of such

information.

5. Information to its subscribers

A retirement adviser shall make adequate disclosures of relevant material information while dealing with its prospects or

subscribers.

6. Fair and reasonable charges

A retirement adviser advising a prospect may charge fees, subject to any ceiling as may be specified by the Authority, if

any. The retirement adviser shall ensure that the fee charged to the subscribers is fair and reasonable.

7. Conflicts of interest

A retirement adviser shall try to avoid conflicts of interest as far as possible and when they cannot be avoided, it shall

ensure that appropriate disclosures are made to the prospects and that the prospects are fairly treated.

8. Compliance

A retirement adviser including its representative(s) shall comply with all regulatory requirements applicable to the

conduct of its business activities so as to promote the best interests of subscribers and maintain integrity in its dealings..

9. Responsibility of senior management

The senior management of a body corporate which is registered as retirement adviser shall bear the primary

responsibility for ensuring the maintenance of appropriate standards of conduct and adherence to proper procedures by

the body corporate.

A retirement adviser shall place the interest of the subscriber over his self interest in conducting his activities under the

National Pension System

A retirement adviser shall refrain from making any derogatory, disparaging remarks or statements against the National

Pension system or the Authority or other intermediaries.

Fourth Schedule

Individual Risk Profiling Sheet

Name ___________ Gender M / F Age: ___________

Education: SSC HSC Graduate Masters Professionals (CA, CS, CMA etc.)

Profession

Salaried (Govt/

Pvt.)

Professional/

Self employed Agriculture No. of

Dependents ___________

Personal Life Insurance Y/N

If Y, Amount

of Covrage _______

Personal Health

Insurance for Self and

Dependents Y/N

If Y, Amount

of Coverage _______

City/Place of Residence: ___________ Residence: Owned/ Rented

Income Details per

annum 0-5 Lakh 5-10 Lakh 10-25 Lakh 25 Lakh or above

Take Home Salary per

month (in Rs.) ____________


Approx. Monthly

Expenditure per month

(in Rs.) Rent _____ Food ______ Education ______ Health________ EMIs ____ Miscl.______

Monthly Investment

Details (In Rs.) MFs/SIPs ______Bank Deposit/ FD/ RD_______ Shares/ Equity/ Bonds/ Debentures _____

Asset Details (value in

Lakh) House _____ Car _______ Land ____ Gold, Jewellery, Bank Deposits etc. _____

Liabiilty Details (value

in Lakh) House _____ Car _______ Personal Loan ___ Education Loan_____ Miscl. _______

Individual Risk

Profiling

On a scale of 1 to 5 kindly rate the following statements

1- Strongly Disagree; 2- Disagree; 3- No strong opinion/ Neutral view; 4- Agree; 5- Strongly Agree

a. For investments I follow the dictum" Be Safe than

Sorry" 1 2 3 4 5

„„

b. I find investment and other financial matters easy to

understand. 1 2 3 4 5

c. My retirement savings would be enough to take care of

post retiral expenses. 1 2 3 4 5

d. Investments in equity are safe. 1 2 3 4 5

e. I am concerned by the uncertaininty of the stock

market. 1 2 3 4 5

f. Investments in Government Securities are safe 1 2 3 4 5

„g. I prefer the safety of keeping my money in the bank. 1 2 3 4 5

h. Risk and Return go hand in hand. 1 2 3 4 5

i. Inflation is going to be high in future. 1 2 3 4 5

j. High inflation is going to eat into my retirement

savings. 1 2 3 4 5

k. I would need to supplement my retirement income by

working post my reitirement. 1 2 3 4 5

l. Investments in Corporate Bonds are safe. 1 2 3 4 5

m. I generally look at the safest investments, even if it

means less returns 1 2 3 4 5

„n. I associate the word ‘risk’ with the idea of

‘opportunity’. 1 2 3 4 5

Decleration:

I hereby declare that I have willingly provided the abovementioned information to the Retirement Adviser. However, the said information is

confidential and for the purpose of estimating the Individual Investment Risk Profile only. It should not be utilized for any other purpose or study

without my express permission and/or consent.

Signature Signature & Stamp

Subscriber Retirement Adviser

Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064

and Published by the Controller of Publications, Delhi-110054.

Documents

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