Labour Life October 2015 - Federal Bank Life Oct.2015.pdf2015 OCTOBER Ncn{Xw Ipdn®v bph-k-tΩ-f\w “If you can’t fly, then run, if you can’t run, then walk, if you can’t walk,

$Page 1: Labour Life October 2015 - Federal Bank Life Oct.2015.pdf2015 OCTOBER Ncn{Xw Ipdn®v bph-k-tΩ-f\w “If you can’t fly, then run, if you can’t run, then walk, if you can’t walk,$
2015OCTOBER

NcnXw Ipdn®v bph-k-tΩ-f\w

“If you can’t fly, then run,if you can’t run, then walk,

if you can’t walk, then crawl,but whatever you do,

you have to keep movingforward.”

-Martin Luther King Jr.

1234567890123456789012345678901212345678901234567890123456789012123456789012345678901234567890121234567890123456789012345678901212345678901234123456789012345678901234567890121234567890123456789012345678901212345678901234567890123456789012123456789012345678901234567890121234567890123412345678901234567890123456789012123456789012345678901234567890121234567890123456789012345678901212345678901234567890123456789012123456789012342 LABOUR LIFE October 2015

Xriq¿: tZiob s]mXp]Wn-ap-S°nt\m-S-\p-_-‘n®v sk]vXw-

_¿ 1 \v \S-Ønb ]Xn-tj[ ]I-S\w

Imk¿tKmUv : sk]vXw-_¿ 2 se tZiob ]Wn-ap-S-°n-

t\mS\p_-‘n®v \S-Ønb ]I-S\w

]me-°mSv: tZiob s]mXp-]-Wn-ap-S-°n-t\m-S-\p-_-‘n®vsk]vXw-_¿ 2 \v \S∂ kwbp‡ tSUv bqWn-b≥ [¿WsbFsI-_n-C-F^v Pn√m skI-´dn _n. cmw]Imiv A`n-kw-t_m-[\ sNøp∂p.

Be-∏pg: tZiob s]mXp-]-Wn-ap-S-°n-t\m-S-\p-_-‘n®v sk]vXw-_¿ 2 \v \S∂ PmY

tImgn-t°mSv: Unkw-_¿ 12 14 Xob-Xn-I-fn¬ \S-°p∂ BƒtIcfm Pn√m kl-I-cW _m¶v Fwtπm-bokv tIm¨Kkvkwÿm\ ktΩ-f-\-Øns‚ kzmK-X-kwL cq]o-I-cWw Fw.-sI.-cm-L-h≥ Fw.-]n. sk]vXw-_¿ 12\v DZvLm-S\w sNøp∂p

IÆq¿: _m¶v DtZym-Km¿∞n-Iƒ°mbn IÆq¿ XcwKw \S-Øp∂ sF_n-]n-Fkv ]co£ kuP\y ]cn-io-e\ ¢mkvFkv_nSn Akn. P\-d¬ amt\-P¿ F.-hn. kptc-jv_m_pDZvLm-S\w sNøp-∂p.

Fd-Wm-Ipfw : Fkv_nSnbpsS 70-˛mw hm¿jnIw ]am-Wn®vFkv_nSn Fwtπm-bokv bqWn-b≥ kwÿm\ hym]-I-ambnkwL-Sn-∏n® BtLmj ]cn-]m-Sn-I-fpsS `mK-ambn Fd-Wm-Ip-fØv \S∂ ]cn-]mSn s]m^. sI.-A-c-hn-μm-£≥ DZvLm-S\w sNøp-∂p.

Beph: FsI-_n-C-F^v tIμ-I-Ωn‰n AwK-ßƒ°mbnsk]vXw-_¿ 13-˛14 Xob-Xn-I-fn¬ kwL-Sn-∏n® Iymºv FsF-_n-CF sshkv ]kn-U‚ v hnizmkv DØKn DZvLm-S\w sNøp-∂p.

456789012345678901212345678901234567890123456789012123456789012345678901234567890121234567890123456789012345678901212345678901234567890123456456789012345678901212345678901234567890123456789012123456789012345678901234567890121234567890123456789012345678901212345678901234567890123456456789012345678901212345678901234567890123456789012123456789012345678901234567890121234567890123456789012345678901212345678901234567890123456October 2015 LABOUR LIFE 3

Chief Editor C D Josson

Managing Editor K S Krishna

Deputy Managing Editor Mathew George P

Editor S Ramakrishnan

Deputy Editor B Ramprakash

Deputy Editor P Rajan

Art Editor A K Sukumaran

Editorial Team Aniyan MathewM M AnsariA C JosephP V PrasadA AhamedM C PaulP SudhakaranSasidhara PanickerRamakrishnan KannomeP G Suma

ADVISORY BOARD P P Varghese

K Muraleedharan Pillai

P Pradeepkumar

R S Nambiar

M D Gopinath

Readers’ Editor T V Sivaramakrishnan

Readers’ Deputy Editor Kurian Mathew

Circulation TeamHead M A John

Member R Gopalakrishnan

K C Saju

K R Sebastian

Jayadeva Sharma

Finance TeamHead P Jayaprakash

Member T P Girish

Bank Employees’ PublicationsT.K.V. Memorial, PB No. 3673,

Mahakavi Bharathiyar Road, College P.O., Kochi - 682 035Ph: 0484 - 2363263, 2366832 (Fax)

[email protected] | www.bankunionakbef.in Disclaimer : The views expressed in the articles are not necessarily thoseof the Labour Life

Vol. 38 No. 7

ESTABLISHED IN 1978 Founder Chief Editor : T.K.V. Nair

Founder Editor : A.V.G. Nair

Bƒ tIcfm _m¶v Fwtπm-bokv sÛ-td-j≥ apJ-]Xw

453October 2015

D≈-S°w

4 bph-X-bmWv `mhn

From AKBEF General Secretary ˛ kn.-Un. tPmk¨

5 t_m[y-amWv ][m\w ˛ FUn-t‰m-dn-b¬

6 The beginning... ˛Uncle Joe

9 t]m‰n-km¿˛ IhnX ˛ HF≥hn

10 aq∂m¿ kacw \¬Ip∂ ]mTw ˛ F. Al-ΩZv

13 ]ns∂ ˛ IhnX ˛ Pnt\-jvIp-am¿ Fcaw

14 _m¶v Hmô-k¿ A[n-Im-cn-tbm, ˛sI. kXy-\m-Y≥

sXmgn-em-fntbm?

16 Bim-\n-√msX Hcp h¿jw ˛ jmPn tPm¨

17 \nim-K-‘n-Iƒ ]q°th˛ IhnX ˛ kpa ]n.-Pn.

18 ka-cm-\-¥cw ˛ -A_vZpƒkeow hS-°mt©cn

20 Small Payments ˛Ramprakash B

23 tNmZyw DØcw ˛ Fkv. cma-Ir-jvW≥

24 Iu≠¿ hrØm¥w ˛

hXymkw hcp∂ hgn-Iƒ ˛F. Al-ΩZv

26 kº-Zv-cwKw ˛ amXyp tPm¿÷v ]n

27 PXn-˛-aXw : IhnX ˛ A\n-b≥ amXyp

28 Income Tax Tips ˛T.V. Prakasan

apJ-NnXw: Cu e°-Ønse apJ-Nn-Xhpw bph-k-tΩ-

f\ hm¿Ø-I-tfmsSm∏w tN¿Øn-´p≈ t]mÃ-dp-Ifpw

tIm´-bØv sk]vXw-_¿ 26, 27 Xob-Xn-I-fn¬ \S∂

kwÿm\ bph-k-tΩ-f-\-Øn¬ D]-tbm-Kn-°-s∏- -h-bm-

Wv. ktΩ-f-\-Øns‚ ]N-c-Wm¿∞w bphm-°-ƒ°v \√

]mXn-\n-[y-ap≈ kzmK-X-kwLw Xøm-dm-°nb Cu

t]mÃ-dp-Iƒ ktΩ-f-\-Øn¬ ]s¶-Sp-Øp-h-cp-sS-sb√mw

]iwk ]nSn-®p-]-‰n.


From AKBEF General Secretary

bph-X-bmWv `mhn

""Ix Imex Im\n-an-Xm-Wn....'' F∂p XpS-ßp∂ kl-km_vZ ]g-°-ap≈ Hcp kwkvIrX t«mI-Øns‚ samgn-am‰w Cßs\:

""Imew GXvkplr-Øp-°ƒ B¿tZiw GXvhchv F¥vsNehv F¥vRm≥ BcvFs‚ i‡n FX-amXw? F∂v IqsS-°qsSBtem-Nn-t°-≠-Xm-Wv.''

FsF-_n-CF BZy-Imew apX¬ Ah-ew-_n®phcp∂ kao-]\w

""tNmcXp-Sn°pw sNdp-ssI-bp-Itft]dp-I- h∂o ]¥-ßƒ.''

F∂ sshtem-∏n≈n IhnXm iI-e-Øn¬ ]Xn- -en-°p∂p; Hcn-°¬IqSn AXv ASn-h-c-bn v Bh¿Øn-°p-∂p.

Acm-jvSo-b-hmZw Hcp kmam-PyXz sIWn

cmjvSw = cmPyw (tim-`n-°p-∂Xv F∂¿∞w)cmjvSobw = cmjvS-Imcyw; `c-W-Imcyw

Acm-jvSo-b-hmZw Hcp mj-\mbn sIm≠p-\-S-°p-∂-h-cpsS FÆw h¿≤n-°p-I-bmtWm? cmPy-Im-cy-ß-fn¬Xmev]-cy-an-s√∂p hcp-∂Xv \√- Im-cy-amtWm? c-W-IqSHØm-i-tbmsS cmPysØ sIm≈-b-Sn-°p∂ tIm¿∏-td-‰p-I-sfbpw a‰p Nqj-I-scbpw Agn-™m-Sm≥ A\p-h-Zn-°mtam? cmjvSob t_m[w Xs∂-bmWv ]uc-t_m-[w.AXn\v GsX-¶nepw cmjvSo-b-]m¿ń-bn¬ tN¿∂vIm¿tUm, ciotXm lmP-cm-t°-≠-Xn-√. ]t£, cmjvSobAh-t_m[w Hmtcm ]uc-t‚bpw A\n-hmcy LS-I-amWv;Ah-Im-i-amWv; DØ-c-hm-Zn-Xz-am-Wv.

hniz-km-ln-Xy-Im-c≥ s_¿t‰mƒUv _IvØns‚at\m-l-c-amb Hcp D≤-cWn NphsS tN¿°p∂p:

""The worst illiterate is the political illiterate. He hearsnothing, sees nothing, takes no part in political life. Hedoesn't seem to know that the cost of living, the price ofbeans, of flour, of rent, of medicines, all depend on politi-cal decisions. He even prides himself on his political ig-norance, sticks out his chest and says he hates politics. Hedoesn't know, the imbecile, that from his political non-participation comes the prostitute, the abandoned child,the robber and, worst of all, corrupt officials, the lackeysof exploitative multinational corporations.''

bphXe-ap-dbpw A¿ln-°p∂ Kuc-h-tØmsS CXvDƒs°m-≈p-sa∂v Dd-∏p-≠v.

Yes, a better world is possibleChange is the essence of life. "am‰p-hn≥ N´-ß-sf,

As√-¶n¬ am‰p-a-Xp-Ifo \nß-sf-Øm≥' F∂v ]mSn-bXvIpam-c-\m-im-\m-Wv. ""am‰-an-√m-Ø-sXm-∂p-amXw; AXvam‰w Xs∂...''

am‰-ßƒ \√-Xn-\m-h-W-sa∂v Dd-∏m-°m≥ Ign-b-Ww.Chn-sS-bmWv CS-s]-S-ep-I-fpsS ]k-‡n. AXn\v PmK-Xbpw thWw, Adn-hp-Iƒ Xncn-®-dn-hp-I-fm-I-Ww, Iq´mbns]mcp-X-Ww, i‡-amb ]h¿Ø-\-ßƒ thWw. FsF-_n-C-F-bpsS tdmfpw as‰m-∂-√.

an∂p-∂-sX√mw s]m∂-√. Hcp Kmw kz¿Whpw 916kz¿Whpw am‰n¬ H∂-√, Xncn-®-dn-bm≥ "aq∂mw IÆv'thWw. ]pXnb ]Z-ßƒ ˛ ]Xy-£-Øn¬ \√-sX∂vtXm∂p-∂h ˛ ]t£ NoØ e£y-ßƒ°v D]-tbm-Kn-°p∂ Ime-am-Wn-Xv. DZm:˛ Reforms F∂ hm°psIm≠vA[n-Im-cn-Iƒ Ct∏mƒ P\-hn-cp≤ ]cn-jv°m-c-ß-sf-bmWv kqNn-∏n-°p-∂-Xv.

""Unless the cake is big enough, it can't be cut into asmany pieces as we like'' ˛ CXv hf¿®-bpsS kn≤m-¥w(Theory of Growth). GDP Db-c-Ww. hf¿® thWw. tI°vhep-Xm-h-Ww. F∂m¬ tI°ns‚ henb Ij-W-ßƒAw_m-\n-amcpw AZm-\n-amcpw a√y-amcpw Hcp]nSn iX-tIm-So-iz-c-∑mcpw hngp-ßp-Ibpw sNdnb mKw amXw 120tImSn `mc-Xo-b¿°v e`n-°p-Ibpw sNbvXmtem?!

Ak-a-Xz-ßƒ h¿≤n∏n°p∂ hnI-k-\-a-√, \oXn-]q¿Δ-I-amb hnX-cWw F√m-h¿°pw Dd-∏m-°p∂ hnI-k\w\S-°-Ww. P\m-[n-]Xysa∂m¬ a‰p-≈-h-sc-°p-dn-s®mcpIcp-X¬ F∂m-W¿∞w. A deaf government and a dumbpeople do not make democracy.

F≥.-hn. IrjvW-hm-cn-b-cpsS hm°p-Iƒ Hm¿Øp-t]m-Ip∂p: ""A\-¥-amb Ime-Øn-eq-sS-bp≈ am\-h-h¿KØns‚ alm-]-bm-WsØ kw_-‘n®v kmam-\y-am-sbmcp Ah-t_m[w F\n-°p≠v. B tLmj-bm-X-bn¬ Fs‚ ÿm\w \n mcamWv; ]t£, Rm≥ Ahn-sS-bn-s√-¶n¬ Fs‚ B ÿm\w Hgn-™p-Xs∂ InS-°pw. B tLmj-bm-X-bpsS Cc-º-en¬ Fs‚ kzcwthdn-´p-tIƒ°pI ]bm-k-amWv. ]t£, AXp-IqsSsN√p-tºmtg AXn-s\mcp apg°w ssIh-cn-I-bp-≈p.''

AsX, as‰mcp temIw km[y-am-Wv ˛ IqSp-X¬\s√mcp temIw. AXv km£m-XvI-cn-°p-hm≥ \ap°vssItIm¿Øv apt∂-dmw.

kn.-Un. tPmk¨94470 85424

We are the future F∂pds° ]Jym-]n® AIBEA bph-k-Jm-°ƒ°v A`n-hm-Z-\-ßƒ!

_m¶nwKv hyh-km-b-Øns‚ ]qap-J-tØbv°v ]pXp-Xmbn IS-∂p-h∂ ]d-°pw- Im-ep-I-fp≈ 800 ¬ ]cwbphkJm°ƒ sk]vXw-_¿ 26, 27 Xob-Xn-I-fn¬ tIm´bØv tUm. F.-]n.-sP. A_vZpƒ Iemw \K-dn¬HØp-tN¿∂t∏mƒ AsXmcp Bthi kwK-a-am-bn.

From AKBEF General Secretary


FUn-t‰m-dn-b¬

t_m[yamWv ][m\w

sk]vXw_¿ 2 \v `mcXØnse hyhkmb˛hmWnPy taJesb BsIkvXw`n∏n® tZiob ]WnapS°mWv \S∂Xv. Cu ]WnapS°n¬ 15 tImSnsXmgnemfnIƒ ]s¶SpØp F∂mWv tSUv bqWnb\pIƒ IW°m°p∂Xv.15 tImSn F∂Xv sNdnb kwJyb√. Hmtcm sXmgnemfnbptSbpw IpSpw_Øn¬\mev t]¿ hoXw D≠v F∂v IW°m°nbm¬t]mepw 60 tImSn P\ßƒ]WnapS°ns‚ `mKØmWv F∂v IW°v Iq´mw. F∂m¬ CXvbmYm¿∞yamtWm? 60 tImSn P\ßƒ Db¿Øp∂ Bhiyßsf I≠ns√∂p\Sn°m≥ C¥y≥ `cWIqSØn\v km[n°ptam? Xo¿®bmbpw km[n°n√.At∏mƒ Cu k¶¬∏Øn¬ Ft¥m XIcmdp≠v F∂v IcpXWw.

ChnsSbmWv t_m[yØns‚ ]m[m\yw. ]WnapS°p∂ sXmgnemfnIfn¬FXt]¿°mWv ]WnapS°n\v B[mcamb ImcWßsf∏‰n Adnhp≈Xv F∂tNmZyw ]cntim[n°s∏tS≠XmWv. Ahcn¬Øs∂ FXt]¿°v CuImcyßsf°pdn®v hy‡amb Aht_m[hpw t_m[yhpw D≠v F∂Xvc≠masØ tNmZyw. kz¥w IpSpw_mwKßƒs°¶nepw Cu Aht_m[hpwt_m[yhpw ]I¿∂psImSp°m≥ FXt]¿°v km[n°p∂p F∂Xv as‰mcptNmZyw. CØcw Hcp ]Inb \S°p∂n√ F∂Xv hy‡amWv. ]WnapS°p∂sXmgnemfnIƒ bqWnb\pIfpsS A®S°ap≈ AwKßƒXs∂. F∂m¬bqWnb\n¬ \n∂v e`n°p∂ Adnhv t_m[ytØmsS Dƒs°m≈p∂h¿Npcp°w. Cßns\ hcptºmƒ ]WnapS°v h≥ hnPbamIpIbpw Bhiyßƒ\S∏mImXncn°pIbpw sNøp∂ ]tXyI ÿnXnhntijw D≠mIpIbmWv.

sk]vXw_¿ 2 s‚ ]WnapS°v hfsc hy‡amb, XnI®pw \ymbambBhiyßsf ap≥ \n¿Øn D≈Xmbncp∂p. \h en_d¬ \bßƒsNdp°s∏tS≠Xpw am‰s∏tS≠Xpw BWv F∂ ImcyØn¬ Hcp i¶bv°pwCSbn√. CØcw \bßƒ GsXms° cmPyßfn¬ \S∏nem°nbn´pt≠m BcmPyßfpsSsbms° kºZvLS\ XI¿∂v Xcn∏WambXmbn A\p`hw \sΩ]Tn∏n°p∂p. saIvkntIm, A¿P‚o\, _ko¬, Nnen, sh\ntkze,^nenss∏≥kv, Ct¥mt\jy XpSßn temIsaºmSpw \nch[nkºZvhyhÿIfmWv XI¿∂Sn™Xv. Cu \bßfpsS ]q¿ÆambNqjWØn\pw XI¿®bv°pw CXphsc hnt[bamImØ c≠v ][m\ kºZvhyhÿIƒ C¥ybpw ssN\bpw amXamWv. Cu cmPyßfn¬°qSn XmWvUh\rØw \SØm\p≈ XømsdSp∏mWv temIapXemfnØw Ct∏mƒ \SØp∂Xv.hkvXpX CXmbncns° \hen_d¬ \bßsf sNdp°p∂Xv \ymboIcn°m≥Hcp _p≤nap´pw C√. C¥ybnse km[mcW P\ßƒ t\cnSp∂_p≤nap´pIsf°pdn®v Hcmƒ ]d™v a\ nemt°≠ Imcyan√t√m. ImcWwCXv A\p`hkXyamWv.

At∏mƒ t_m[yamWv ]iv\w. Cu t]mcm´Øn¬ Ah\hs‚ [¿aw\n¿Δln°m≥ Hmtcm sXmgnemfntbbpw ]m]vXcm°pI F∂Xv tSUvbqWnb\pIƒ°p ap∂nep≈ sh√phnfnbpw. t_m[ytØmsS sNøp∂ kacwhnPbw ImWpw F∂ ImcyØn¬ bmsXmcp kwibØn\pw CSbn√. CXmWvaq∂mdn¬ Ct∏mƒ sXfnbn°s∏´Xv. CsXmcp ][m\s∏´ ]mTamWv.BhiyßfpsS bp‡nbpw [m¿anIXbpw t]mseXs∂ ][m\amWvkacØn¬ ]s¶Sp°p∂ sXmgnemfnIfpsS Adnhpw Aht_m[hpwt_m[yhpw.

Cu Adnhpw Aht_m[hpw t_m[yhpw hf¿ØnsbSp°m≥ Xohambn]bXv\nt°≠ ImeLámWnXv.


The Beginning......

I came into the trade union by accident andthe interesting reasons cannot be countedhere since it is too long to be written in aforeword. Suffice it say, that my acquain-tance with Com. Joe also played a signifi-cant part in my being encouraged to takepart in the trade union movement.

Many facts and circumstances are recalledin "Memories that Never Fade" about themilitant movement of the bankmen underthe banner of AlBEA. One of the manythings that shall never fade from my memoryis that inspite of the fact that Com. Joe some-times used to shrink into his own shell andwas "out of commission" for a while, hisrealistic approach, clarity of understandingand his sharp pen can never fade frommemories of those among whom he worked.In fact he ought to have continued inBombay to give the lead to the movement,and that is yet another thing that can neverfade from my memory.

P K MenonBombay08 05 89

(Late Com. P.K. Menon hailed from Chittur,Palakkad and was employed in Bank ofBaroda Mumbai for more than four de-cades. He was the General Secretary ofMaharastra State Bank Employees’ Federa-tion for nearly 25 years. He was also theFounder General Secretary of All IndiaBank Officers’ Association)

From the pages of 'Memories that Never Fade’ by Com. K.J. Joseph (Uncle Joe)

From the Foreword to the FirstEdition of

‘Memories thatNever Fade’

The origin of Indian Banking goes back to the lastquarter of last century, when Indian Industries be-gan to take shape. The period also saw the birth ofIndian National Congress, symbolising the aspira-tions and ambitions of our people for independenceand freedom from foreign yoke. There were one ortwo foreign Banks like - Chartered Bank of India,Australia andChina (establishedon the basis of aCharter fromQueen Victoria),Hongkong andShanghai BankingCorporation etc.which were serv-ing the needs ofEast India Com-pany and later,other foreign andBritish Companiesthat operated inIndia. When these foreign banks were reluctant tofinance growing Indian Textile and Jute industries,our Industrialists ventured into the business ofBanking.What are Banks? "Bankers are Nation's Book-keep-ers" said great Lenin in his famous book "Imperial-ism, the Highest stage of Capitalism" - (this pas-sage from the book was quoted before Sastry Tri-bunal by late Com. Chari, Counsel for AlBEA andJustice Sastry enquired whether the book was pro-scribed in India. "Fortunately not yet" quipped Com.Chari).When industrialists with their social status and re-spectability floated Banks, these Banks commandedconfidence of public. Thus, savings and surplus cashof professionals and agriculturists, flowed into Banksas deposits. These deposits were loaned to Direc-tors of Banks and transformed into capital to feedtheir industries.That was why all business houses, groups and evencommunities and castes had their own banks to

Com. K.J. Joseph, popularlyknown as Uncle Joe, was Asst.Secretary of AIBEA in the 1950s.He retired from Bank of India andwas instrumental in building upseveral prominent BankwiseUnions. Now settled at Palakkad,Uncle Joe is a voracious readerand a prolific writer. Labour Lifeis proud to reproduce some of hisinspiring articles.


mobilise depositsto assist their ex-panding industrialempire or to meetthe demands of lo-cal trade and com-merce. In short,Banks are the ful-crum, aroundwhich, the financialactivities of the na-tion revolves.Number of Banks

grew steadily alongwith the growth of indus-tries and enlargement of Trade and Commerce.When some of these ventures became "adven-tures", a few Banks collapsed and depositors -not Bankers - became bankrupt. Some banksmerged to become bigger units and CentralBank of India, United Bank of India and laterPunjab National Bank (after partition) etc.,were born out of these mergers.Service conditions in all Banks wereuniformally non-existent. If bigger Banks werea "Purse" for industrialists, smaller Banks werean extension of family concerns of local trad-ers and merchants. "Hire and Fire" was the"inherent fundamental right" of all Bankers -over-lords of Society. To submit meekly to all

insults and humiliations was the "hereditaryduty" of slaves - the Bank employees. Therewas no security of service, because TradeUnionism - Symbol of united and organisedresistance has not yet reached the "Babus" ofBanks.

How did Bank employees become aware oftrade unions? The period was 1945-46. Sec-ond World war came to an end. War produc-tions came to a halt. Thousands were thrownout of employment. Bengal was recoveringfrom the worst famine immortalised by lateKishen Chander in his novel "I cannotDie".World situation was in crucible of change.Fascism was defeated in Europe and Japan.East European countries joined the ranks ofsocialist world. A parallel world economy, in-dependent of capitalist order, was in the off-ing. China - the sleeping giant of Asia wasawakening with courage and comradeship. InIndia, the fall out of Quit India Movement andsubsequent revolt in Navy, Air Force and Armyand mounting working class struggles knockedout the teeth of roaring British Lion. Britainfinally decided to quit India.

Caught between the lower and upper classes,middle class "Babus" were squeezed andcrushed. Though they suffered in agony andpain, anger and protest was gripping them.

]¶m-fnØwBth-tim-÷z-ew

]Ya kwÿm\ bph-k-tΩ-f-\-Øns‚ XpS°wXs∂ Bth-tim-÷z-e-amb ]¶m-fn-Øw-sIm≠vkwLm-S-I-cpsS a\ v \nd-®p. ]Xo-£n-®-Xn-ep-a-∏pdw Hgp-In-h-s∂-Ønb bph-i‡nsb AXn-c‰kt¥m-j-tØm-sS-bmWv tIm´-bsØ kJm-°ƒhc-th-‰-Xv. 2011 ¬ amXw _m¶p-tPm-en-bn¬ ]th-in® tPm¿÷n nen∏v F∂ bph Pn√m skI- -dn-bpsS t\Xr-Xz-Øn¬ tIm´bw Pn√m IΩn‰n \S-Ønb Hcp-°-ßƒ F√m-h-cp-tSbpw ]iwk ]nSn-®p-]‰n. tIm´-bsØ ]apJ s]mXp-]-h¿Ø-I\pwtSUv bqWn-b≥ t\Xm-hp-amb AUz. hn.-_n. _n\psNb¿am-\pw tPm¿÷n ^nen∏v I¨ho-\-dp-ambn,FsI-_n-C-F^v Hm¿K.-sk-I-´dn A\n-b≥ amXyp,FsI-_n-C-F^v Pn√m sNb¿am≥ ]n.-F-kv. cho-μ-\mYv XpS-ßnb apXn¿∂ t\Xm-°-fpsS am¿§-\n¿t±-i-ß-tfmsS kwLm-S-\-an-Ihv Dd-∏m-°nb kzmK-X-kwLØn\v A`n-\μ-\-ßƒ! A\p-tam-Z-\-ßƒ!!


They could see that more and more workerswere being organised and pushed intostruggles. Textile workers of Bombay achieveda significant success in their battle demand-ing "war allowance", a forerunner of ourpresent dearness allowance. Employees of P&Tand Railways forced the mighty Governmentto appoint Commissions or Committees to en-quire into their service conditions. The engulf-ing struggles of working people opened theeyes of Bank employees and they saw a ray ofhope in Trade Unions.A beginning was made in National Bank ofIndia - a foreign Bank in Bombay. A union wasformed. Their agitation ended in victimisationof leaders including the General SecretaryCom.Cursetjee. Similar attempts for formationof Unions were taking place at Calcutta andRamesh Chakraborty, Naresh Paul and PrabhatKumar Kar were the pioneers there. In Lahore(prepartition days) Harbans Lal Parvana wasorganising the employees of Bharat Bank. InPunjab and UP the Unions were organised byA.C. Kakker and others. Slowly and steadily,Bank employees were finding expression oftheir oppressed and suppressed voice.

A strike or struggle can be defeated. Leaderscan be victimised. Employees may beterrorised into temporary submission. Fromthe ashes of defeat and ambers of anger, freshand furious fires of struggles will rise againand again. Because the wheel of history moveson, based on the laws of dialectical develop-ment of society. Working people and tradeunions are products of this historical processand Bank employees could not be mute wit-nesses to life and history." I love life and its beauty; therefore, I wentinto the battle. There are no spectators in reallife, we participate in life" wrote, JuliusFuschik, the great revolutionary, poet and pa-triot of Czechoslavakia, hours before he wasshot dead by Nazis. Yes....Bank employees 'par-ticipated in real life' suffered, sacrificed andsucceeded in illuminating the crowded corri-dors of history.“In my hand, I hold pen,In my heart, the light of consciousnessHow can your forces of oppressionever Win?” - Habib Jalib To be continued....

AXpeyh-N- mbn

AXp¬ ARvPm≥Bƒ C¥y Inkm≥ k` P\-d¬ skI-´dnAXp¬Ip-am¿ ARvPm≥ Xs‚ hnkva-b-I-c-amb ]kw-K-ssi-en-bn-eqsS bphm-°sfA£-cm¿∞-Øn¬ ssIøn-se-Sp-Øp. cmPyØv\ne-\n¬°p∂ cmjvSob kmaqly kml-N-cy-ßsf hne-bn-cp-Ønbpw bph-P-\-ßƒ°vhln -°m-\p≈ ]¶v FSp -Øp -Im -ńbpwAt±lw \S-Ønb ]kwKw bph-P-\-ßƒ°vhgn-Im- n-bm-bn. Hcp DØ-tc-¥y≥ Kma-k` HcpKmao-Ws\ in£n-®p. H∂p-In¬ 50 khmfXn∂p-I. As√-¶n¬ 50 sNcp∏Sn sIm≈p-I.]mhw BZyw D≈n- Xn-∂m≥ kΩ-Xn-®p. A©vD≈n Xn∂-t∏mƒ tXm∂n AXnepw t`ZwsNcp∏-Sn-bm-Wv. ]Øv sNcp-∏Sn sIm≠-t∏mƒKmao-W≥ ]d™p : C\n aXn D≈n Xnt∂m-fmw. ho≠pw A©v D≈n Xn∂-tXmsS sNcn-∏Sn Xs∂ t`Zw F∂v ]Jym-]n-®p. Cßs\amdn amdn sNcp-∏-Sn-sIm≠pw khmf Xn∂pwIjvS-s∏-Sp∂ Kmao-W-s\-t∏m-se-bmWv_n.sP.-]n.-sbbpw tIm¨K-kn-s\bpw amdnamdn kln-°p∂ C¥y≥ P\X F∂v At±-l-Øns‚ D]a k`sb Cf°n adn-®p.


s\©phncn®p\S°psa≥ tXmgtc!Ft¥,bdnbptam tIih≥ t]m‰nsb?Bcmcpa\ysct∂mcmXncp∂Xm˛amZcWob\mam ‘t]m‰nkmdn’s\?

tamk ns\t∏msetbImInbmbv Xs‚hmKvZØ`qansbtbm¿Øp ZpxJn°p∂,Pok ns\t∏mseb\y¿°pth≠n kz-˛PohnXwXs∂ Ipcnim°n am‰nb,ImWm\cpXmsØmcmWn∏gpXpIƒ]mW\nte‰nbms\mºcw t]dp∂,GXb¬°mc\pw IqS∏nd∏mb,]mSps]Sp∂h¿ X≥ ]Saq∏s\,IqSpIq´m\pw ads∂mcm]£nsb,\mSns‚ kz¥amw B t]m‰nkmdns\,\mSns‚ kzØmsbmcm t]m‰nkmdns\,\mtS! \n\°p ad°phm\mIptam?

Aßnßp]n™nb Pq∫X≥ Ioibn¬BcpsStbm k¶S°pdnam\ßƒ!sh‰nes®√an√m˛ sh‰ne, ]m°v,a‰p≈hbpw ISemkv s]mXn°p≈n¬!B¿j]cnthjtaXpan,s√¶nepwBtdgp\mfnse£uctijn∏p≠v!

Gsdhni∂p ZqcØp\ns∂Øp∂kvt\lnXs\ \√ `£Waq´p∂t\chpw, DÆmsXbq´p∂Xn≥ kpJwt\cmbpamkzZn°pw t]m‰nkmdns\,IÆpIfod\mhns√¶nep, taXpIÆocpamflmhnte°pƒhenbp∂,thfnIgn∏ns®mcnSØncpØphm≥tNenep’mln® tXmgsc tXm¬∏n®p]mXnsaømsf sXmgpXp ]ncns™mcmKuXa_p≤\mIpw t]m‰nkmdns\,\nßfdnbptam? s]mbvt]msbm ‘cn∂se’‘C∂n’ s‚ s\©ØpsXm´p tNmZn°p∂p!

hymk\pw `mk\pw iqZI\pw Imfn-˛Zmk\pw X≥klhmknIsf¶nepw\mSIimebn¬ I¿´≥ hent∏ms‚amXncn \n∂nSpam t]m‰nkmdns\,\mSIImc\pw, \´ph\pw, ]tg\mSIh≠nX≥ ssUhdpamtbms\\nßtfm¿°p∂pthm? cmPm∏m¿´√msX˛sbm∂pta kzoImcya√mØ tXmgtc!

"t]m‰nkm¿'

A≤ym]I\pw kmlnXy intcmaWnbpambncp∂ tIih≥ t]m‰n,

t]m‰nkm¿ F∂mWv ]cs° Adnbs∏ńcp∂Xv. IayqWnÃv ]ÿm\w

sIń∏SpØXnepw sI.]n.F.kn.bpsS hf¿®bnepw At±lØn\p≈

]¶v \nkvXpeamWv. aebmfØns‚ ]nb Ihn HF≥hn, t]m‰nkmdns\

DNnXtim`tbmsS Hm¿°pIbmWnhnsS.

IS∏mSv : P\bpKw

s]m^. H.F≥.hn. Ipdp∏v


kw-L-S-\m ]-cn-]m-Sn-I-fn¬ kw-_-‘n-°m≥ F-X bm-X sN-bv-Xm-epw, h¿-j-Øn¬ kp-lr-Øp-°-tfm-sSm-Øvc-≠v Zn-h-k-sØ bm-X F-∂-Xv Ip-sd-°m-e-am-bp-≈ ]-Xn-hm-Wv. aq-∂m-dn-te-°v sk-]v-Xw-_¿ 9, 10 Xn-ø-Xn-I-fn¬t]m-Im-\m-bn-cp-∂p Cu h¿-j-sØ πm≥. c-≠mw Xn-ø-XnsXm- v aq-∂m-dn-se tXm- w sXm-gn-em-fn-Iƒ k-a-c-ap-J-Øm-sW-∂-dn-™n-´pw R-ßƒ H-º-Xmw Xn-ø-Xn Im-e-Øv aq-∂m-dn-te-°v Xn-cn-®p. D-®-tbm-sS Hmƒ-Uv aq-∂m-dn-se-Øp-tºmƒ am-X-am-Wv k-a-c-Øn-s‚ cq-£-X t_m-[y-am-b-Xv.

I-S-Iƒ an-°-Xpw A-S-™p-In-S-°p-∂p. Sq-dn-Ãp-Iƒ \m-a-am-X-am-tb F-Øp-∂p-≈p. X-te Zn-h-kw BJP \SØnb

aq∂m¿ kacw F. AlΩZv

9447137280

l¿-Øm¬ h≥ hn-P-b-am-b-Xn-\v Im-c-Ww, Cu k-a-c-Øn-\v P-\-ß-sf-√mw a-\- -dn-™v ]n-¥p-W \¬-Ip-∂-XvsIm-≠m-bn-cp-∂p. G-h-sc-bpw A-Xv- p-X-s∏-Sp-Øn-s°m-≠v kv-Xo-sXm-gn-em-fn-Iƒ \-S-Øn-b t]m-cm- -am-Wv aq-∂m-dn¬ \-S-∂-Xv. ]-Ømw Zn-h-kw k-a-cw H-Øp Xo¿-∏m-sb-¶n-epw B-h-iy-ßƒ ]q¿-Æ-am-bn Aw-Ko-I-cn-°-s∏-Sm-ØA-h-ÿ-bn¬ aq-∂m¿ C-\n-bpw ]p-I-™p sIm-≠n-cn-°p-sa-∂p-d-∏m-Wv. ]-c-º-cm-K-XsS-bv-Uv bq-Wn-b≥ t\-Xm-°-tf-bpw P-\-]-Xn-\n-[n-I-sf-bpw Xo-≠m-∏m-S-I-se \n¿-Øn, sXm-gn-se-Sp-°p-∂ kv-Xo-Iƒ kz-bw ap-t∂m-´v h-∂v \-S-Øn-b t]m-cm-´w, tX-bn-e-tØm-´-ß-fn-se P-\-X,A-Sn-a-Ø-Øn-\pw, Nq-j-W-Øn-\pw a¿-±-\-ßƒ-°p-sa-Xn-sc, ]-Xn-‰m-≠p-Iƒ A-S-°n\n¿-Øn-b k-a-tcm-’p-I-X-bp-sS Xo-£v-W-am-b s]m-ń-sØ-dn-bm-bn-cp-∂p F-∂ Im-cyw Xo¿-®-bmWv.

sk-]v-Xw-_¿ 2 se tZ-io-b ]-Wn-ap-S-°n-s‚ Zn-\-Øn-em-Wv kv-Xo sXm-gn-em-fn-Iƒ Iq- -am-bn h-∂v aq-∂m¿ ]- -W-Øn-se Sm-‰m So I-º-\n-bp-sS sl-tUm-ô-kv sI-ń-S-Øn-\v ap-ºn¬ Ip-Øn-bn-cp-∏v k-a-cw B-cw-`n-®-Xv. C-cp-]-Xv i-X-am-\w t_m-W- pw, A-™q-dp cq-] an-\n-aw Iq-en-bp-am-Wv A-h¿ D-∂-bn-® ]-[m-\ Un-am‚p-Iƒ. C-h-bp-∂-bn-®v H-cp am-k-Øn-e-[n-I-am-bn tXm-´w ta-J-e-bn-seF-√m sS-bv-Uv bq-Wn-b-\p-I-fpw Iq-Sn ]-t£m-`w Xp-S-ßn-bn-cp-∂p-sh-¶n-epw, ]-Xy-£ k-a-c-]-cn-]m-Sn-I-sfm-∂pwkw-L-Sn-∏n-®n-cp-∂n-√. F-√mw N¿-®-bn-eq-sS ]-cn-l-cn-°m-sa-∂m-Wv bq-Wn-b≥ t\-Xm-°ƒ D-d-∏p-\¬-In-bn-cp-∂-Xv.

aq-∂m-dn-se Hm-t´m-˛-Sm-Iv-kn ssU-h¿-am-cpw tlm-´¬-˛-tjm-∏v Po-h-\-°m-cpw F-∂-√, km-[m-c-W-P-\-ß-fm-sIk-a-c-°m-sc ]n-¥p-W-®m-Wv kw-km-cn-®-Xv. k-a-c-sØ-°p-dn-®m-cm™-t∏mƒ, C-X-Im-e-hpw Nq-j-W-hn-t[-b-cm-b a-\p-jy-cp-sS kzm- m-hn-I ]-Xn-I-c-W-am-Wn-sX-∂m-W-h¿ hn-ti-jn-∏n-®-Xv. am-t\-Pv-sa‚p-I-fpw, I-¶m-Wn-am-cpw am-X-a-

F-sI-_n-C-F-^v tI-μ I-Ωn-‰n Aw-Kw F A-l-Ω-Zv kp-lr-Øp-°ƒ-s°m-∏w aq-∂m-dn¬ \-S-Øn-bH-cp kz-Im-cy k-μ¿-i-\-Øn-s‚ A-\p-`-h-ß-fm-WvCu te-J-\-Øn¬ ]-¶p-sh-bv-°p-∂-Xv. aq-∂m¿ k-a-c-Øn-s‚ F-√m A-¥¿-[m-c-I-fpw Cu te-J-\-Øn¬Dƒ-s°m-≠n-´p-≠v F-∂v A-h-Im-i-s∏-Sp-∂n-√.

kw-L-S-\-I-fp-sS N-´-°q-Sp-Iƒ t`-Zn-®p-sIm-≠vs]m-Sp-∂-s\-bp-≈ Nn-e ]-t£m-`-ßƒ h≥ i-≤]n-Sn-®p-]-‰p-∂-Xpw Nn-e hn-P-b-ßƒ I-c-ÿ-am-°p-∂-Xpw \-Ωƒ Im-Wm-dp-≠v. Cu h¿-jw C-Ø-cw H-cp]-t£m-`-Øn-eq-sS aq-∂m-dn-se sXm-gn-em-fn-Iƒ-°v20% t_m-W- v-˛-F-Iv-kv-tK-jy t\-Sm≥ km-[n-®-Xvi-t≤-bw X-s∂. F-∂m¬ C-tX k-a-c am¿-§w h-cpw h¿-j-ß-fn-se t_m-W- v X¿-°-ßƒ-°pw sXm-gn-em-fn-Iƒ-°p-t\-sc D-b¿-t∂-°m-hp-∂ a-‰v B-I-a-W-ßƒ-°pw F-Xn-sc Xp-S¿-®-bm-bn D-]-tbm-Kn-°m≥B-hn-√ F-∂-Xv ]-I¬-t]m-se hy-‡-am-Wv. A-ßn-s\ h-cp-tºmƒ tS-Uv bq-Wn-b-s‚ kp-c-£m I-h-N-Øn-\p-≈n¬ \n-∂p-sIm-≠p-X-s∂ t]m-cm-´w Xp-S-cp-I F-∂-Xm-bn-cn-°pw sXm-gn-em-fn-Iƒ-°v ÿm-bn-bm-bn A-h-ew-_n-°m-hp-∂ am¿-§w.

aq-∂m-dn¬, H-cp-]-t£ G-‰-hpw ]-[m-\-s∏-´ ]-iv-\w, sXm-gn-em-fn-I-fp-sS Po-hn-X \n-e-hm-c-am-Wv. Cu\n-e-hm-cw ]Tn-°m-\pw Im-em-\p-kr-X-am-bn D-b¿-Øn-s°m-≠p-h-cm-\pw tS-Uv bq-Wn-b≥ X-° k-a-b-Øvi-≤n-®n-√ F-∂-Xm-Ipw aq∂m-dnse G-‰-hpw h-en-bho-gv-N. C-hn-sS-bm-Wv G-sd Xn-cp-Ø-ep-Iƒ B-h-iy-am-bn h-cn-I. H-∏w, H-cn-°-epw hn-kv-a-cn-°m≥ ]m-Sn-√m-Ø, sXm-gn-em-fn-I-fp-sS P-\m-[n-]-Xy-]-c-am-b ]¶m-fn-Ø-hpw ]m-Xn-\n-[y-hpw.

F-Un-‰¿


I-bpw, ]-∏m-Ωmƒ, lp-ssk≥ k¬ dm-hp-Ø¿ F-∂o c-≠p sXm-gn-em-fn-Iƒ a-cn-®p ho-gp-I-bpw sN-bv-Xp. B k-a-c-Øn¬ ]-s¶-Sp-Ø a-cn-b, kn-\n C-∂pw aq-∂m¿ k-a-c-`q-an-bn-ep-≠v.

sIm-tfm-Wn-b¬ hm-gv-N-°m-e-Øn-s‚ Xp-S¿-®-bm-Wv \-Ωp-sS \m-ń-se tXm-´w ta-J-e. sh-≈-°m-cm-bn-cp-∂p ap-ºv ap-X-em-fn-am-sc-¶n¬ C-°m-e-Øv Sm-‰-sb-t∏m-ep-≈tIm¿-∏-td-‰p-I-fm-Wv Cu ta-J-e I-ø-S-°n-bn- p-≈-Xv. sIm-tfm-Wn-b¬ tam-U¬ A-[o-i-Xzw C-∂pw Xp-S¿-∂p sIm-≠n-cn-°p-∂p. Nn-e¿ B-tcm-]n-°p-∂-Xv t]m-se, aq-∂m-dn-se k-a-c-k-Jm-°ƒ-°v t]m-cm-´ ho-cyw ]-I¿-∂p In-ń-b-Xv X-an-gv Xo-h-hm-Zn-I-fn¬ \n-∂m-hm≥ X-c-an-√; a-dn-®v A-h-cp-sS kz-¥w N-cn-X-Øn¬ \n-∂v X-s∂-bm-sW-∂v Im-Wmw. c-≠p t]¿ sh-Sn-tb-‰p a-cn-bv-°p-I-bpw, B-bn-c-°-W-°n-\v t]-cp-sS ta¬ tI-kv Np-a-Øp-I-bpw, \n-c-h-[nt]¿ ]n-cn-®p-hn-S-s∏-Sp-I-bpw sN-bv-X A-∂-sØ ap-X-em-fn-Ø Iq-c-X-Iƒ-°pw Nq-j-W-ßƒ-°p-sa-Xn-sc, Xp-S¿-∂vD-b-tc-≠n-bn-cp-∂ t]m-cm- -ho-cyw, cm-jv-So-b- -tS-Uv bq-Wn-b≥ t\-Xr-Xz-Øn-\p Io-gn¬ X-Wp-Øp-d-™p In-S-∂p F-∂-Xm-Wv bm-Ym¿-∞yw. Cu \n-jv-In-b-X-s°-Xn-sc A-Sn-a k-am-\-am-b Po-hn-Xw \-bn-®p h-∂ sXm-gn-em-fn-I-fp-sSXo-h-]-Xn-I-c-Ww X-s∂-bm-bn-cp-∂p I-gn-™ Zn-h-k-ß-fn¬ aq-∂m-dn¬ \-S-∂ t]m-cm-´w.

Im-e-Øv H-º-Xv a-Wn-tbm-sS Hm-t´m dn-£-I-fn-epw Po-∏n-ep-am-bn a-e-a-S-°p-I-fn-se eb-ß-fn¬ \n-∂v sN-dp-kw-L-ß-fm-bn F-Øp-∂ kv-Xo sXm-gn-em-fn-Iƒ, kz-¥w ho-Sp-I-fn-se ]p-cp-j≥-am-sc t]m-epw k-a-c-ap-J-Øv \n-∂pwA-I-‰n \n¿-Øp-I-bm-bn-cp-∂p. C-X Im-e-hpw X-ßƒ Aw-Ko-I-cn-®p t]m-∂ ]p-cp-j-t\-Xr-Xz-Øn-s\-Xn-sc-bp-≈ A-hn-izm-k ]-Jym-]-\w Iq-Sn-bm-bn-cp-∂p A-Xv. tX-bn-e tXm-´-ß-fn¬ sIm-fp-¥v \p-≈m-\n-d-ßp-tºmƒ [-cn-°p-∂ h-kv-X-am-bn-cp-∂p A-h¿ k-a-c-ap-J-Øpw [-cn-®-Xv. H-cp kw-L-Sn-X tX-Xr-Xz-hp-an-√m-sX aq-hm-bn-c-tØm-fw t]¿ Zn-h-tk-\ ]-[m-\ k-a-c-th-Zn-bn-se-Øn F-∂-Xv A-¤p-X-I-cw X-s∂-bm-Wv. I-Øp-∂ sh-bn-en-epw, km-cn-Ø-e-∏p sIm-≠v X-e-aq-Sp-I t]m-epw sN-øm-sX \-Sp-tdm-Un¬ Ip-Øn-bn-cp-∂v A-h¿ ap-Zm-hm-Iyw ap-g-°n. am- p-s∏- n Pw-Kv-j-\n-epw, aq-∂m¿ Su¨ Pw-K-j-\n-epw A-h¿ h-gn X-S-™p. a-[p-c-˛-sIm-®n tZ-io-b ]mXbm-W-Xv. H-cmƒ t]m-epw A-Xn¬ A-k-ln-jv-Wp-X ]-I-Sn-∏n-®n-√. Xm-sg aq-∂m-dn¬\n-∂pw A-Sn-am-en-bn-te-°p-≈ hm-l-\ k-©m-cw A-\p-h-Zn-°p-I-bpw sN-bv-Xp.

Im-e-Øv 9 ap-X¬ ssh-Io-´v 6 h-sc-bm-bn-cp-∂p h-gnX-S-b¬. Sm-‰m I-º-\n-°pw, A-h-cp-sS Nq-j-W-ßƒ-°vNq-´p-]n-Sn-°p-∂-h¿-°p-sa-Xn-sc cq-£-am-b `m-j-bn¬ A-©m-dp t]¿ tN¿-∂v hn-fn-®p sIm-Sp-°p-∂ C-º-am¿-∂ ap-

\¬Ip∂ ]mTw

√, sS-bv-Uv bq-Wn-b≥ t\-Xm-°-fpw sXm-gn-em-fn-I-sf I-Sp-Ø Nq-j-W-Øn-\v hn-t[-b-cm-°n F-∂-h¿ ]-d-™p. I-gn-™ h¿-jw 19% t_m-W-kv am-t\-Pv-sa‚ v \¬-In-bn-´pw9% ]-e C-\-ß-fn-em-bn bq-Wn-b≥ t\-Xm-°ƒ Io-i-bn-em-°n-sb-∂pw, 10% am-X-sa sXm-gn-em-fn-Iƒ-°v e-`n-®p-≈q F-∂pw A-h¿ B-tcm-]n-°p-∂p.

aq-∂m¿ k-a-cw N-cn-X-]-c-am-b H-cp Xp-S¿-®-bm-Wv. tXm-´w sXm-gn-em-fn k-a-c-Øn-s‚ N-cn-Xw ]-cn-tim-[n-®m¬ 1958se sF-Xn-lm-kn-I ]-t£m-`-Øn¬ aq-∂m-dn-se C-cp-]-Xn-\m-bn-c-Øn-e-[n-Iw sXm-gn-em-fn-I-fm-Wv ]-s¶-Sp-Ø-Xv.24˛mw Zn-h-kw tIm -K-kv ]m¿- n k-a-c-Øn¬ \n-∂v ]n≥-am-dn. F-¶n-epw, I-Ωyq-Wn-Ãv ]m¿- n-bp-sS t\-Xr-Xz-Øn¬k-a-cw ap-t∂-dn. sXm-Æq-dp Zn-h-kw ]n-∂n-´-t∏m-tg-°pw,ap-X-em-fn-am-cp-sS I-Spw-]n-S-Øw aq-ew k-a-c-t\-Xr-Xz-Øn-s‚ im-k-\-Iƒ a-dn-I-S-∂v, I-Øn-bpw Ip-dp-h-Sn-bp-ta-¥nap-X-em-fn-am-tc-bpw, I-¶m-Wn-am-tc-bpw sXm-gn-em-fn-Iƒ t\-cn-´p. ]-t£m-`-I¿-°v t\-sc t]m-eo-kv sh-Sn-bp-Xn¿-°p-


Zm-hm-Iy-ßƒ, B-bn-c-°-W-°m-b k-a-c-ho-cmw-K-\-am¿ H-∂n-t®-‰p sNm-√p-∂ Im-gv-N B-th-i-I-cw X-s∂-bm-bn-cp-∂p.

aq-∂m-dn-se tX-bn-e-tØm- w sXm-gn-em-fn-Iƒ Xm-a-kn-°p-∂ e-b-ß-fn¬ (sse≥ hoSp-Iƒ) Im-Wp-∂-Xv Zm-cp-W-am-b Im-gv-N-I-fm-Wv. H-t∂m c-t≠m Ip-Sp- p ap-dn-I-fp-≈ Hm-tcm e-b-Øn-epw aq-∂pw \m-epw X-e-ap-d-I-fn¬-s∏-´ ]-Øpw ]-Xn-\-©pw Aw-K-ß-fp-≈ Ip-Spw-_-am-Wp-≈-Xv. _n-ó-jp-Im-cp-sS Im-e-Øv ]-Wn-X eb-ß-fn-sem-∂n-epw I-°q-kv t]m-ep-an-√. Im-Sn-\p-≈n-em-Wv Xm-a-k-sa-¶n-epw hn-d-sI-Sp-°-W-sa-¶n¬ ap-X-em-fn-°v hn-e-\¬-I-Ww.]-¥-≠v a-Wn-°q-tdm-fw tXm-´-Øn-en-d-ßn sIm-fp-¥v \p-≈p-∂-h¿-°v Nm-b Ip-Sn-°-W-sa-¶n¬ A-Xn-\p-≈ tX-bn-e t]m-epw hn-e-sIm-Sp-Øv hm-ß-Ww. I-d‚ v _n¬ X-øm-dm-°p-∂-Xpw Sm-‰m I-º-\n-b-sX. Zn-h-k-°q-en-bm-bn e-`n-°p-∂ 232/˛ cq-] sIm-≠v c-≠-‰-hpw Iq-ń ap-ń-°m-\m-hm-Ø Cu sXm-gn-em-fn-Iƒ an-\n-aw Iq-en 500/-˛ cq-]-sb-¶n-epw \¬-I-W-sa-∂m-h-iy-s∏-Sp-∂-Xn¬ bm-sXm-c-]m-I-X-bp-an-√. 20% t_m-W-kv e- y-am-bm¬ t]m-epw Hm-tcm sXm-gn-em-fn-°pw ]-c-am-h-[n e-`n-°p-I 3500/˛ cq-]-bm-Wv. ]-Øv Zn-h-k-tØm-fw k-a-cw \-S-Øn-b-Xn-s‚ -e-am-bn Hm-tcm sXm-gn-em-fn-°pw 2500/˛ cq-]-bp-sS th-X-\ \-jv-Sw D-≠m-bn F-∂v kv-]-jv-S-am-W-t√m?

sIm-Spw X-Wp-∏n-epw ]-¥-≠v a-Wn-°q-tdm-fw tXm-´-ß-fn-en-d-ßn \q-dpw \q-‰-º-Xpw In-tem sIm-fp-¥v \p-≈n,A-Xv Np-a-∂v ^m-Iv-S-dn-bn-se-Øn-®m¬ In-´p-∂ Xp-—-am-bth-X-\w A¬-∏w Iq-ń-Ø-c-W-sa-∂ sXm-gn-em-fn-I-fp-sS\n-c-¥-c-am-b B-h-iyw _-[n-c I¿-Æ-ß-fn-em-Wv ]-Xn-®-Xv. Ip-ń-Iƒ-°v ]Tn-°m≥ In-temao-‰-dp-Iƒ Xm-≠-Wwkv-Iq-fn-se-Øm≥. Hm-Ww, hn-jp Xp-S-ßn-b B-tLm-j-Zn-\-ß-fn¬ t]m-epw eo-thm a-‰m-\p-Iq-ey-ß-tfm C-√. sS-bv-Uv bq-Wn-b-\p-Iƒ \-S-Øp-∂ skm-ssk-‰n-Iƒ \¬-Ip-

∂ sN-dp-Xp-I-bp-sS hm-bv-]-Iƒ-°v 25% h-sc ]-en-i Cu-Sm-°p-I-bm-Wv. C-°m-cy-ßƒ-s°m-∂pw am-\y-am-sbm-cp ]-cn-lm-c-Øn-\v bq-Wn-b-\p-Iƒ-°m-bn-√ F-∂v sXm-gn-em-fnkv-Xo-Iƒ ]-cn-X-]n-bv-°p-∂p.

A-º-Xn-\m-bn-cw G-°-dn-e-[n-Iw h-cp-∂ I-Æ≥ tZ-h≥ tX-bn-e tXm- -Øn-s‚ D-S-a-ÿ-X Sm-‰ ssI-h-iw sh-®n-cn-°p-∂-Xv \n-b-a hn-t[-b-am-bn-´-√ F-∂m-Wv tI-c-fmk¿-°m¿, _-lp. tI-c-fm ssl-t°m-S-Xn-bn¬ Cu-bn-sSH-cp tI-kn¬ t_m-[n-∏n-®n-´p-≈-Xv. C-°m-cy-Øn¬ Sm-‰-s°-Xn-sc C-Xph-sc-bpw k¿-°m¿ H-cp \-S-]-Sn-bp-sa-Sp-Øn-ń-√. ]-Øp-Zn-h-k-sØ t]m-cm-´-ßƒ-s°m-Sp-hn¬ sk-]v-Xw-_¿ 12 \v F-Øn-t®¿-∂ H-Øp-Xo¿-∏v I-cm-dn¬ t]m-epw sXm-gn-em-fn-I-tfm-Sv h-©-\-bm-Wv A-[n-Ir-X¿ sN-bv-

kzXxkn≤ssien-bn¬ CHV

s]mXp-k-tΩ-f-\-Ønepw ]Xn-\n[n ktΩ-f-\-ØnepwXs‚ kzXx-kn-≤-amb ssien-bn-ep≈ c≠v D÷ze]kw-K-ß-fmWv FsF-_n-CF P\-d¬ skI- dn kn.-F®v. sh¶-Sm-New \S-Øn-b-Xv. P\-Iob _m¶nwKvÿm]n-s®-Sp-°m\pw kwc-£n-°m\pw FsF-_n-CF\S-Ønb ]h¿Ø-\-ßfpw AtXm-sSm∏w Poh-\-°m-cpsS tkh-\- -th-X\ hyh-ÿ-Iƒ sa®-s∏-Sp-Øp-hm≥\S-Ønb ]h¿Ø-\-ßfpw At±lw Xs‚ ]kw-K-ß-fn¬ hni-Zo-I-cn-®p. tIμ-K-h-s◊‚ns‚ sX‰mbkmº-ØnI \b-ßƒs°-Xnscbp≈ t]mcm- ß-fpsSap≥\n-c-bn¬ F∂p-sa∂t]mse _m¶v Poh-\-°m¿`mhn-bnepw \ne-sIm-t≈-≠-Xns‚ Bh-iy-IXAt±lw FSpØp ]d™p. C¥y-bn-em-Zy-ambnkwÿm\ bph-k-tΩ-f\w \S-Øm≥ ap≥I-sø-SpØFsI-_n -C -F-^ns\ At±lw ap‡-IWvTw]iwkn®p.

aq-∂m-dn-se A-Sn-a-k-am-\-am-b

kmlNcyØn¬ I-gn-™p-t]m-cp-∂

sXmgnem-fn-Iƒ-°n-S-bn-se s]¨

knwlßƒ sX-cp-hn-en-d-ßn

\SØnb Cu t]m-cm- -Øn¬ \n-∂pw,

-c-W-Iq-S-Øn-\v amXa-√,

hyhÿm]n-X tS-Uv

bqWnb\pIƒ°pw ]mT-ßƒ

]eXpw ]Tn°m-\p-≠v F-∂p-d-∏m-Wv.


X-sX-∂v B-tcm-]-W-ap-≠v. 20% t_m-W-kv F-∂-Xn\v ]-I-cw 8.33% t_m-W-kpw, 11.67% F-Iv-kvtK-jy-bpw F-∂m-Wv I-cm-dn-ep-≈-Xv. ap-Jy-a-¥n-bpw sXm-gn¬ a-¥n-bpw sXm-gn-em-fn-I-tfm-Sv ]-d-™-Xm-h-s´ 20% t_m-W-kv F-∂pw;h-cpw h¿-j-ß-fn¬ sXm-gn-em-fn-Iƒ t_m-W- m-h-iy-s∏-´v k-a-c-Øn-\n-d-ßn-bm¬, I-gn-™ h¿-jw 8.33% t_m-W-km-Wv \¬-In-b-sX-∂v ]-d-™v \n¬-°m≥ am-t\-Pv-sa‚n-\v _-ew \¬-Ip-∂-Xm-Wv Cu hy-h-ÿ F-∂v B-i-¶-s∏-Sp-∂-h-cp-≠v.

sk-]v-Xw-_¿ 10 \v aq-∂m-dn¬ \n-∂pw a-S-ßm-\n-cn-s°A-∂v Im-e-Øv ]-Øv a-Wn-°v Xn-cp-h-\-¥-]p-c-Øv \-S-°m-\n-cn-°p-∂ N¿-®-bn¬ ]-iv-\w H-Øp Xo-cm≥ km-[y-X-bp-s≠-∂m-bn-cp-∂p P-\-kw-km-cw. A-Xn-\m¬ ]-¥-≠va-Wn-tbm-sS aq-∂m¿ hn-´v A-Sn-am-en-bn-se-Øn D-® `-£-Ww I-gn-®v bm-X Xp-S-cm-sa-∂v Xo-cp-am-\n-®n-d-ßn. ]-≈n-hm-k¬ Pw-Kv-j-\n-se-Øp-tºmƒ A-™q-tdm-fw kv-XosXm-gn-em-fn-Iƒ N¿-® s]m-fn-™-X-dn-™v tdm-Un¬ Ip-Øn-bn-cp-∂v h-gn X-S-b¬ k-a-cw Xp-S-ßn-bn-cp-∂p. ssh-Io-´v 6 a-Wn-h-sc h-gn X-S-bp-sa-∂v ]-Jym-]n-®v A-Xym-th-i-tØm-sS ap-Zm-hm-Iyw ap-g-°p-∂ k-a-c-°m-tcm-Sv bm-sXm-cp hn-tZz-j-hpw R-ßƒ-°v tXm-∂n-bn-√ F-∂-Xm-Wv k-Xyw. A-Sp-Øp-≈ sN-dn-b I-S-bn¬ \n-∂pw, _n-kv-°-‰pwNm-b-bpw hm-ßn-°-gn-®v B-dv a-Wn-h-sc h-gn-bn¬ Im-Øp\n¬-°m≥ X-øm-sd-Sp-Øp. ]-Xn-hn¬ \n-∂pw hy-Xy-kv-X-am-bn, k-a-c-°m-tcm-Sv G-‰-hpw am-\y-am-bn-´m-bn-cp-∂p t]m-eo-kv C-S-s]-ń-cp-∂-Xv. C-Sp-°n F-kv.]n.bpw Ip-sd D-∂-X D-tZym-K-ÿ-cpw aq-∂m-dn-te-°p-≈ bm-X-ma-t≤y A-hn-sS Ip-Sp-ßn-bn- p-≠m-bn-cp-∂p. A-t±-l-hpw tdm-Un-en-d-ßnk-a-c-°m-cp-sS ap-Z-hm-Iyw hn-fn-Iƒ Iu-Xp-I-]q¿-Δw ho-£n-°p-I-bm-bn-cp-∂p.

k-a-c-tØm-Sv ao-Un-b-Iƒ Nn-‰-Ω \-bw Im-Wn-°p-∂pF-∂v k-a-c-°m¿ B-tcm-]n-®-Xn-\m¬, G-Xm-\pw Nm-\¬hm-l-\-ß-fpw ]-X-°m-cpw k-a-c cw-Kw H-∏n-sb-Sp-Øp sIm-≠n-cp-∂p. A-Xn-\n-sS ÿ-e-sØ-Øn-b aq-∂m¿ DYSP k-a-c-°m-cn¬ Nn-e-sc k-ao-]n-®v A-\p-\-b-s∏-Sp-Øn. ]-≈n-hm-k-en¬ \-S-Øp-∂ Cu h-gn X-S-b¬, A-]-Jym-]n-X-am-b H-∂-t√ F-∂pw, C-Xn-s\-Xn-sc P-\-tcm-jw D-≠m-In-t√ F-∂pw ku-ay-am-bn A-t±-lw D-W¿-Øn. C-S-°n-sSh-gn Xp-d-∂v sIm-Sp-Øp-sIm-≠v P-\-tZm-l-an-√m-Ø co-Xn-bn¬ ]-≈n-hm-k-en¬ \-S-Øp-∂ h-gn-X-S-b¬ k-a-cw am-‰-W-sa-∂v A-t±-lw \-S-Øn-b A- y¿-∞-\ k-a-c-°m¿ kzo-I-cn-°p-I-bpw, A-c-a-Wn-°q¿ C-S-hn-´v K-Xm-K-Xw A-\p-h-Zn-®p-sIm-≠v h-gn-Xp-d-°p-I-bpw sN-bv-Xp. aq-∂-c-tbm-sS ]-≈n-hm-k¬ hn-Sm≥, A-Xn-\m¬ R-ßƒ-°v km-[y-am-bn.Im-e-ß-fm-bp-≈ A-Sn-®-a¿-Ø-ep-Iƒ-°pw Nq-j-W-Øn-\pw]o-U-\-ßƒ-°n-an-c-bm-hp-∂ sXm-gn-em-fn-Iƒ £-a \-in-®v A-k-l-\o-b-am-b o-I-c-Im-ew Xp-S-cp-∂-Xn-t\-°mƒ t -Zw, a-c-W-am-sW-∂v ]-Jym-]n-®-Xp-sIm-≠m-Wv, tem-I-sØ-ºm-Spw A-\-h-[n sXm-gn-em-fn I¿-j-I ]-t£m- -ßƒ B¿-Øn-c-ºn-b-sX-∂v N-cn-Xw \-tΩm-Sv ]-d-bp-∂p. X-ß-fp-sSbm-X-\-Iƒ-°-dp-Xn h-cp-Øm≥ aq-∂m-dn-se A-Sn-a-k-am-\-am-b km-l-N-cy-Øn¬ I-gn-™p-t]m-cp-∂ sXm-gn-em-fn-Iƒ-°n-S-bn-se s]¨ knw-l-ßƒ sX-cp-hn-en-d-ßn \-S-Øn-b Cu t]m-cm-´-Øn¬ \n-∂pw, -c-W-Iq-S-Øn-\v am-X-a-√,hy-h-ÿm-]n-X tS-Uv bq-Wn-b-\p-Iƒ-°pw ]mT-ßƒ ]-e-Xpw ]Tn-°m-\p-≠v F-∂p-d-∏m-Wv.

Pnt\jv Ipam¿ Fcaw

hnjw Xn∂v apg®p

Irjn sNøWw

˛ ]n-s∂-bmhmw.

sImgp-t∏dn ho¿Øp

]pe¿®-bvs°-Wo‰p \S-°Ww

˛ ]n-s∂-bmhmw.

]pI-IqSn°nX®p

]®-a-cp-∂m-°Ww

˛ ]ns∂-bm-hmw.

IpSn®v th®p

h¿÷n®v Kpcp-hm-IWw

˛ ]ns∂-bmhmw.

kpJn®p aSpØp

XyPn®v Km‘n-bm-hWw

˛ ]ns∂-bmhmw.

AI-sØm-Xpßn ac-hn®p

Ab¬°m-tcm-Sv Iq-´p-Iq-SWw

˛ ]ns∂-bmhmw.

a\ v \∂m-hWw

£an®p hmbn-°Ww

˛ ]ns∂-bmhmw.

HSp-hn¬ \m´p-Im¿ ]d™p

DS≥ thWw

]ns∂-bm-bm¬ ]‰n√

sh®n-cp-∂m¬ \mdpw.

]ns∂


sk]v-Xw-_¿ 2 \v \-S-∂ tZ-io-b ]-Wn-ap-S-°v _m-¶nw-Kv ta-J-e-bn¬ Kw-ò-c hn-P-b-am-bn-cp-∂p F-∂-Xn¬ c-≠p-]-£-an-√. _m-¶nw-Kv cw-K-Øv tÃ-‰v _m-¶v Hm-^v C-¥y-bn-se kw-L-S-\-Iƒ-°v ta¬-t°m-bv-a-bp-≈ Po-h-\-°m-cp-sS-bpw Hm-ô-k¿-am-cp-sS-bpw kw-L-S-\-Iƒ C-Ø-cw k-a-c-ß-fn¬ s]m-Xp-sh ]-¶p tN-cm-dn-√. Cu kw-L-S-\-I-fp-sS Aw-K-ß-fn¬ ]-e-cpw Cu -hn-´p-\n¬-°¬ \n-e-]m-Sp-I-tfm-Sv am-\-kn-I-am-bn s]m-cp-Ø-s∏-Sm-dn-√, tI-c-f-Øn-se-¶n-epw, F-∂-Xv H-cp h-kv-Xp-X-bm-Wv. sXm-gn-em-fn-h¿-§w H-cp ]-Wn-ap-S-°v \-bn-°p-tºmƒ A-Xn¬ cm-jv-So-bw B-tcm-]n-®v am-dn \n¬-°p-∂ kw-L-S-\m t\-Xm-°ƒ ^-e-Øn¬ A-[n-Im-cn-h¿-§ ]o-W-\-am-Wv \-S-Øp-∂-Xv. ]-Wn-ap-S-°v Zn-h-kw ]-Wn-sb-Sp-°m-sX ]q¿-Æ th-X-\w ]-‰p-∂ ""sF-Iy-Zm¿-Vyw'' ]T-\m¿-l-am-b hn-j-b-am-Wv.

C-Ø-cw H-cp ]-›m-Ø-e-Øn-em-Wv 1982 P-\p-h-cn 19s‚ C-S-Xp-]-£- tS-Uv bq-Wn-b-\p-Iƒ \-bn-® A-Jn-te-¥ym ]-Wn-ap-S-°vv ap-X¬ 2015 k-]v-Xw-_¿ 2 s‚ _n.-Fw.-F- v H-gn-®p-≈ ap-gp-h≥ tS-Uv bq-Wn-b-\p-I-fpw ]-s¶-Sp-Ø tZ-io-b ]-Wn-ap-S-°pƒ-s∏-sS F-√m t]m-cm- -ß-fn-epw]-¶p-tN¿-∂ Bƒ C-¥ym _m-¶v Hm-ô-tk¿-kv A-tkm-kn-tb-j-s‚ sXm-gn-em-fn h¿-§-t_m-[-Øn-e-Sn-bp-d-® kw-L-S-\m-t_m-[w ]-k-‡-am-Ip-∂-Xv.

A-∂pw C-∂pw

1982se ]-Wn-ap-S-°n¬ sXm-gn-em-fn kw-L-S-\-Iƒ D-∂-bn-® ]-[m-\-s∏-´ B-h-iy-ßƒ C-h-bm-Wv.

1) hn-e-°-b-‰w X-S-bp-I

2) I¿-j-I¿-°v A-h-cp-sS D¬-∏-∂-ßƒ-°v \ym-b-am-bhn-e e-`y-am-°p-I.

3) s]m-Xp-hn-X-c-W k-º-Zm-bw i-‡n-s∏-Sp-Øp-I

Iq-en Iq-Sp-X-en-\p th-≠n-b-√, P-\-ß-fp-sS Po-hn-XwZp-cn-X-]q¿-Æ-am-°p-∂ k¿-°m¿ \-b-ßƒ Xn-cp-Ø-W-sa-∂m-h-iy-s∏-´m-bn-cp-∂p ]-Wn-ap-S-°v. 1981 s^-_p-h-cn 14\v P-∑w sIm-≠ F-sF-_n-H-F ]-ÿm-\w _m-¶v Hm-ô-k¿-am-cp-sS B-h-iy-ßƒ sam-Øw sXm-gn-em-fn-h¿-§-Øn-s‚ B-h-iy-ß-fp-am-bn _-‘-ap-≈-Xm-sW-∂ Xn-cn-®-dn-thm-sS-bm-Wv ]-kv-Xp-X ]-Wn-ap-S-°n¬ A-Wn-tN¿-∂-Xv. _m-¶v Hm-ô-k¿-am-cp-sS tk-h-\-th-X-\ ]-cn-jv-°-c-Ww B-h-iy-s∏-´v 1984 ¬ ]-Wn-ap-S-°m-lzm-\w \¬-In-b-Xv ]-`m-Xv-I¿ P-\-d¬ sk-I-´-dn-bm-bn-cp-∂ Po-h-\-°m-cp-sS q-cn-

_m-¶v Hm-ô-k¿ A-[n-Im-cn-tbm,sXm-gn-em-fn-tbm?

sI. kXy-\m-Y≥

95260 65125

]-£ ]-ÿm-\-am-b F-sF-_n-H-F B-bn-cp-∂p. k-a-cm-lzm-\-sØ Xp-S¿-∂v ]-`m-Xv-I¿ ]-kn-U-≠m-bn-cp-∂ F-sF-_n-H-F-bp-am-bn N¿-® sN-bv-Xv _m-¶v Hm-ô-k¿-am-cp-sS i-º-f-]-cn-jv-I-c-W-sØ-°p-dn-®p-≈ B-Zy-sØ tPm-bn‚ v t\m-´v H-∏n-´m≥ 1985 ¬ C-¥y≥ _m-¶v-kv A-tkm-kn-tb-j≥ \n¿-_-‘n-X-am-bn F-∂-sXm-cp N-cn-X-k-Xyw.As∂m∂pw FsF-_n-Hkn Fs∂mcp kwL-S-\-bn-√.1966 ap-X¬ Po-h-\-°m¿-°v D-`-b-I-£n I-cm¿ kw-hn-[m-\w e- y-am-bn-cp-∂-t∏mƒ Hm- o-k¿-am-cp-sS B-Zy-sØ hy-h-km-b-X-e tPm-bn‚ v t\m-´v G-Xm-≠v 20 h¿-jw I-gn-™v F-sF-_n-H-F cq-]o-I-c-W-Øn-\p-ti-jw am-X-am-Wvbm-Ym¿-∞y-am-b-Xv.

_m-¶v- Hm-ô-k¿-am-cp-sS `q-cn-]-£ kw-L-S-\ F-∂vho-ºn-f-°p-∂ F-sF-_n-H-kn sk-]v-Xw-_¿ 2 s‚ tZ-io-b ]-Wn-ap-S-°n¬ \n-∂v am-dn \n¬-°m-\p-≈ Im-c-W-ß-fm-bn ]-d-™-Xv, A-h¿ D-∂-bn-® B-h-iy-ßƒ kw-bp-‡ tS-Uv bq-Wn-b≥ A-h-Im-i-]-Xn-I-bn¬ Dƒ-s°m-≈n-®n-√ F-∂pw C-μ-[-\p- v t]m-se-bp-≈ tI-μ-k¿-°m-cn-s‚ ]-≤-Xn-Iƒ-s°-Xn-sc h-cm-\n-cn-°p-∂ k-a-c-ßƒ-°vDu¿-÷w kw- -cn-°m-\m-sW-∂pw B-Wv. C-Ø-cw ]-ÿm-\-ß-fp-sS km-am-\y t_m-[-sØ-°p-dn-®v ]-cn-X-]n-°p-I-b-√m-sX a-s‰-¥m-Wv sN-øp-I?

sk-]v-Xw-_¿ 2 tZ-io-b -]-Wn-ap-S-°n-se Nn-e ]-[m-\Un-am‚p-Iƒ:˛

1) hn-e-\n-e-hm-cw \n-b-¥n-°p-I

2) sXmgn¬cw-KsØ h≥tXm-Xn-ep-≈ I-cm¿-h¬-°-c-Ww A-h-km-\n-∏n-°p-I

3) 15000 cq-]-bn¬ Ip-d-bm-Ø an-\n-aw Iq-en D-d-∏m-°p-I

4) ]-Xn-tcm-[w/sd-bn¬-th/ C≥-jp-d≥-kv ta-J-e-I-fn¬t\-cn-´p-≈ hn-tZ-i-\n-t£-]w (FDI) X-S-bp-I.

5) s]m-Xp-ta-J-em _m-¶p-I-fn-se k¿-°m¿ Hm-l-cn Un-kn≥-sh-Ãv sN-øm-Xn-cn-°p-I.

6) I¿-j-I hn-cp-≤-am-b q-an-tb-s‰-Sp-°¬ _n¬ ]n≥-h-en-°p-I.

_m-¶nw-Kv ta-J-e-bn¬ Hm-ô-k¿-am¿ C-∂v t\-cn-Sp-∂Nn-e ]-[m-\ sh-√p-hn-fn-Iƒ:-˛

1) k¿-°m¿ ]-≤-Xn-Iƒ H-∂n-\p ]n-d-tI H-∂m-bn A-Sn-t®¬-∏n-°p-∂-Xpw Po-h-\-°m-c-S-°w B-h-iy-am-b A-Sn-ÿm-\ ku-I-cy-ß-fp-sS A-`m-h-hpw

2) D-∂-X A-[n-Im-cn-Iƒ-°v D-b¿-∂ tXm-Xn-ep-≈ C≥-


sk‚o-hp-Iƒ e-`n-°m-\m-bn \n¿-_-‘-]q¿-Δw Xo-cp-am-\n-°p-∂ bm-Ym¿-∞y-t_m-[-an-√m-Ø _n-kn-\- v_-Uv-P-‰p-Iƒ.

3) Hm- o-k¿-am¿ A-S-°-ap-≈-h-cp-sS A-\p- -h-°p-d-hpw,ta-e-[n-Im-cn-I-fp-sS A-\p-`m-h-c-ln-X-am-b s]-cp-am-‰ssi-en-bpw.

_m-¶v Hm- o-k¿-am¿ G-Xp h¿-§w?_m-¶v Hm-ô-k¿-am¿ A-[n-Im-cn-h¿-§-Øn-s‚ `m-K-am-

sW-∂ [m-c-W A-h¿-°n-S-bn¬ t_m-[-]q¿-Δw Ip-Øn-sh-bv-°m≥ ta-em-[n-Im-cn-Iƒ \-S-Øp-∂ i-aw hn-P-bn-°p-∂-Xn-s‚ ]-Xy-£ D-Zm-l-c-W-am-Wv sXm-gn-em-fn h¿-§-t_m-[-an-√m-Ø Hm- o-k¿ ]-ÿm-\-ßƒ-°v Hm- o-k¿-am-cp-sS C-S-bn-ep-≈ kzo-Im-cy-X-bpw A-h¿-°v am-t\-Pv-sa‚pw A-[n-Im-cn-I-fpw \¬-Ip-∂ t]m-’m-l-\-hpw. hn-π-hw ]-kw-Kn-°p-I-bpw, ]-Xn-tem-a-]-c-am-bn ]-h¿-Øn-°p-I-bpw sN-øm≥ C-Ø-c-°m¿-°v bm-sXm-cp a-Sn-bp-an-√.t\m-°p-Iq-en "sF-Iy-Zm¿-Vyw' C-h-cp-sS ap-J-ap-Z-bm-Wv.No work full pay B-Wv C-°q-´-cp-sS Im-gv-N-∏m-Sv. C-Ø-cwIm-gv-N-∏m-Sp-Iƒ am-‰n-sb-Sp-°m≥ h¿-§-t_m-[-ap-≈ ap-gp-h≥ Hm-ô-k¿ kp-lr-Øp-°-fpw I-£n-cm-jv-So-b t`-Z-

sa-t\y ]-h¿-Øn-t°-≠-Xn-s‚ A-\n-hm-cy-X \mw a-\- n-em-°n-tb Xo-cq. kz-¥w i-º-f-hpw B-\q-Iq-ey-ß-fpw,ÿm-\-°-b-‰-ß-fpw, ÿ-ew am-‰-ß-fpw am-Xw kz-]v-\wI-≠v kw-L-S-\-I-sf-bpw, t\-Xr-Xz-sØ-bpw t\-cn-´v hm-gv-Øp-I-bpw ]p-dw-Xn-cn-™v C-I-gv-Øp-I-bpw sN-øp-∂ kw-kv-°m-cw am-t‰-≠-Im-ew A-Xn-I-an-®n-cn-°p-∂p. hn-a¿-i-\-ßƒ ]-d-tb-≠ th-Zn-I-fn¬, ]-d-tb-≠-hn-[w, B¿-÷-h-tØm-sS D-∂-bn-°m-\pw sX-‰p Xn-cp-Ø¬ ]-In-b-bv-°v t\-Xr-Xzw \¬-Im-\pw t\-Xm-°-sf-t∏m-se A-Wn-Iƒ-°pw _m-[y-X-bp-s≠-∂v k-ao-]-Im-e kw-`-h-ßƒ sh-fn-s∏-Sp-Øp-∂p. tam-Wn-‰-dn-k-hpw, I-cn-b-dn-k-hpw ssI-ap-X-em-°n s^-bv-kv _p-°v hn-π-hpw \-S-Øp-∂ kp-lr-Øp-°-tfm-Sv H-c-t]-£. kz-¥w ta-J-e-sb-°p-dn-®v ]Tn-°m-\pw,B-flm¿-∞-am-bn ]-Wn-sb-Sp-°m-\pw, A-h-Im-i-ßƒ-°pth-≠n t]m-cm-Sm-\pw Iq-Sn \mw X-øm-dm-bn-s√-¶n¬ sXm-gn-em-fn-h¿-§ kw-kv-Ir-Xn-bn¬ A-Sn-bp-d-® ]-ÿm-\-ßƒ-°p-t]m-epw \-Ωp-sS ]-X-\w \n- -lm-b-cm-bn t\m-°n \n¬-°m-t\ I-gn-bq. a-d-°m-Xn-cn-°p-I: _m-¶v Hm-ô-k¿ ln-μn-bn¬ am-X-am-Wv A-[n-Im-cn. h¿-§-t_m-[-ap-≈-h-sc kw-_-‘n-®n-S-tØm-fw Hm-ô-k-dpw ]o-V-\-ßƒ-°v C-c-bm-Ip-∂ sXm-gn-em-fn am-X-am-Wv.

te_¿ sse^vB¿Sv FUn-‰dpw _m¶vHm^v C¥y ap≥ Poh-\-°m-c-\p-amb F.-sI.kpIp -am -cs‚ IYmkam -lmcw ""imJ-Iƒ°v j´¿ hogp -tºmƒ'' sk]vXw-_¿12\v ]Im-i\w sNbvXp.te_¿ sse^n-eqsS]cn -Nn -X -amb IY-Ifpƒs∏sS it≤-b-amb cN-\-I-fmWv Cu]pkvX-I-Øn¬ Dƒs∏-Sp-Øn-bn- p-≈-Xv.

Im¿´q¨ A°m-Zan skI-´dn Fw.-Fkv taml-\-N-μ≥cNn® ""Hcp tImaUnk¿Δokv tÃmdn'']Im-i\w sNbvXp.\¿Ω a[p-c-amb CuIY-I-fn¬ _m¶v A\p-` -h -ßƒ Xpfpºn\n¬°p-∂p. C¥y≥_m¶n¬ \n∂v amt\-P-cmbn hnc-an® taml-\-N-μ≥ hfsc ]i-kvX-\mb Im¿´q-Wn-ÃmWv.

]pkvXI ]cn-Nbw


Bƒ tI-c-fm tIm Hm-∏-td-‰o-hvA¿-_≥ _m-¶v Fw-tπm-bo-kv A-t m- n-tb-j-s‚ ÿm-]-I-t\-Xm-hpw\m-ep-]-Xn-‰m-≠n-te-sd A-Xn-s‚ A-a-c-°m-c-\p-am-bn-cp-∂ k:s]-cp-ßp-gnio-[-tc-´≥, ]n-b-s∏-´ ""B-im≥'' \-sΩ hn-´p-]n-cn-™n-´v sk-]v-‰w-_¿ 30\v H-cp h¿-jw Xn-I-bp-∂p. tI-c-f-Øn-se A-kw-L-Sn-X-cm-bn-cp-∂ A¿-∫≥ _m-¶v Po-h-\-°m-sc kw-L-Sn-∏n-®v, A¿-_≥ _m-¶v Po-h-\-°m-cp-sS B-Zy-sØ kw-L-S-\-bm-b F-sI-kn-bp-_n-C-F sb h-f¿-Øn h-ep-Xm-°n F-sF-_n-C-F- F-∂ h-en-b ]-ÿm-\-Øn-s‚ `m-K-am-°n am-‰p-∂-Xn-\v t\-Xr-Xzw \-ev-In-b io-[-tc-´≥Po-hn-X-Øn-s‚ A-h-km-\ \mƒ h-sc-bpw kw-L-S-\-bv-°p-th-≠n \n-e-sIm-≠v Pz-en-°p-∂ H-cp-]m-Sv \-√ Hm¿-Ω-Iƒ _m-°n h-®m-Wv 2014 sk-]v-‰w-_¿ 30 \v Im-e-b-h-\n-I-°p-≈n¬ a-d-™-Xv. 1986 ¬ Hu-tZym-Kn-I Po-hn-X-Øn¬ ]-th-in-® A-∂p ap-X¬ Cu]-ÿm-\-hp-am-bn _-‘-s∏-´v ]-h¿-Øn-°p-hm≥ F-\n-°v t]-c-W \-ev-In-b-Xv ]n-b-s∏-´ B-im-s‚ t\-Xr-Xz-am-Wv. tI-c-f-Øn-se A¿-_≥ k-l-I-c-W _m-¶v Po-h-\-°m¿ C-∂-\p-`-hn-®p-sIm-≠n-cn-°p-∂ F-√m B-\p-Iq-ey-ß-fpw t\-Sn-sb-Sp-°p-∂-Xn-\vio-[-tc-´≥ h-ln-® ]-¶v \n-kv-Xp-e-am-Wv. 1997 ¬ tIm-´-b-Øv h-®v \-S-∂ A-t m- n-tb-j-s‚ c-P-X-Pq-_n-en k-tΩ-f-\-Øn¬ h-®m-Wv io-[-tc--\p-am-bn A-Sp-Øn-S-]-g-Ip-hm≥ F-\n-

°v B-Zy-am-bn A-h-k-cw e- n-®-Xv. \n-kzm¿-∞ tk-h-\-Øn-s‚ a-Ip-tSm-Zm-l-c-W-am-bn-cp-∂p ]n-b-s∏- B-im≥.k¿-Δo-kn¬ \n-∂pw hn-c-an-® ti-j-hpw X-t∂m-sSm-∏-ap-≈-h¿-°p-th-≠nB-\p-Iq-ey-ßƒ t\-Sn-sb-Sp-°p-∂-Xn-\v t\-Xr-Xzw \¬-In-b io-[-tc-´≥,Xm≥ sa-\-s™-Sp-Øv h-f¿-Øn-b]ÿm-\-Øn-\p th-≠n A-tlm-cm-Xw ]-h¿-Øn-®p. cm-sh-t∂m ]-I-se-t∂m C-√m-sX tI-c-f-Øn-e-tßm-f-an-tßm-fw k-©-cn-®v kw-L-S-\-sb i-‡n-s∏-Sp-Øn. F-sF-_n-C-F P-\-d¬Iu¨-kn¬ Aw-Kw,F-sF-kn-_n-C-F- v, F-sI-_n-C-F- v tI-μ-I-Ωn-‰n-

Aw-Kw F-∂o \n-e-I-fn-sem-s° ]-h¿-Øn-®p. io-[-tc- ≥ A-Jn-te-¥ymX-e-Øn¬ X-s∂ i-≤n-°-s∏-ń-cp-∂H-cp t\-Xm-hm-bn-cp-∂p. B-im-t\m-sSm-∏w A-t m- n-tb-j-s‚ H-cp `m-c-hm-ln-sb-∂ \n-e-bn¬ F-\n-°v ]-h¿-Øn-°p-hm≥ km-[n-®-Xv h-en-b m-Ky-am-bn I-cp-Xp-∂p. A-t±-l-Øn¬ \n-∂pw e-`n-® Kp-W-]mT-ßƒ C-∂v F-\n-°pw F-s‚ k-l-]-h¿-Ø-I¿-°pwkw-L-S-\-sb ap-tºm- p \-bn-°p-∂-Xn-\p-≈ ]-tNm-Z-\w \¬-Ip-∂p. io-[-tc- -\p-am-bp-≈ Hm-tcm H-Øp-tN-c-epw,Hm-tcm bm-X-I-fpw C-t∏m-gpw a-\- n¬\n-∂pw am-bm-sX \n-ev-°p-∂p. ]n-Xr-Xp-ey-am-b hm-’-ey-hpw, k-tlm-Z-c-Xp-ey-am-b I-cp-X-epw, H-cp t\-Xm-hn-s‚ kw-c-£-W-hpw R-ßƒ-°v io-[-tc-´-\n¬ \n-∂pw e-`n-®n-cp-∂p.

A¿-_≥ _m-¶v Po-h-\-°m-cp-sSi-º-f-]-cn-jv-°-c-W \-S-]-Sn-Iƒ \-S-∂p-h-cp-∂ A-h-k-c-am-Wn-Xv. io-[-tc-´-s\-∂ a-l-Zv-hy-‡n-bp-sS A-`m-hwR-ßƒ G-‰-hp-ta-sd A-\p-`-hn-® k-μ¿-`-hpw C-Xp-X-s∂. i-º-f ]-cn-jv-°-c-W N¿-®-I-fn¬ A-t±-lw F-Sp-Øn-cp-∂ \n-e-]m-Sp-Iƒ, A-h-Im-i-ßƒ t\-Sn-sb-Sp-°p-∂-Xn¬ Im-Wn-®n-cp-∂ ssh- -hw H-s° F-X a-l-Ø-c-am-bn-cp-∂p. C-∂vv A-t±-l-Øn-s‚ A-

B-im-\n-√m-sX H-cp h¿-jw

jm-Pn tPm¨94474 20730

`m-h-Øn¬ Nn-e k-μ¿-`-ß-fn-se-¶n-epw ""B-im-\p-≠m-bn-cp-∂p-sh-¶n¬''F-∂v B-K-ln-®p t]m-bn- p-≠v. A-X-bv-°p h-ep-Xm-bn-cp-∂p R-ßƒ-°v R-ß-fp-sS io-[-tc-´≥.

H-‰ Zn-h-kw t]m-epw tcm-Kn-bm-bnIn-S-°-cp-sX-∂-Xv B-im-s‚ h-en-bB-K-l-am-bn-cp-∂p. 2014 sk-]v-‰w-_¿30 \v 92˛mw a-sØ h-b- n¬ \-sΩhn-´p-]n-cn-bp-∂-Xp-h-sc-bpw I¿-Ω-\n-c-X-\m-bn-cp-∂p io-[-tc-´≥. th¿-]m-Sn-s‚ c-≠v Zn-h-kw ap-ºpw A-Sp-Øp \-S-t°-≠ kn.kn. ao-‰n-ßn-s‚ A-P-≠F-¥m-bn-cn-°-W-sa-∂p \n¿-t±-in-°p-I-bpw kw-L-S-\-bp-sS ]-h¿-Ø-\-ß-sf-°p-dn-®v N¿-® sN-øp-I-bpw sN-bv-Xn-cp-∂p.

io-[-tc- ≥ t\-Xr-Xzw \¬-In h-f¿-Øn h-ep-Xm-°n-b kw-L-S-\-sb Iq-Sp-X¬ i-‡n-s∏-Sp-Øn ap-t∂m- v sIm-≠p-t]m-Ip-I F-∂ h-en-b Zu-Xy-am-Wv \-Ωƒ-°p-≈-Xv. I-£n-cm-jv-So-b Nn-¥-Iƒ-°-Xo-X-am-bn ]-h¿-Øn-°p-I-bpw tI-c-f-Øn-se A¿-_≥ _m-¶p-I-fp-sS D-∂-a-\-Øn-\pw A-Xn-se Po-h-\-°m-cp-sS A-h-Im-i-ßƒ-°pw th-≠nt]m-cm-Sp-I-bpw sN-øp-∂ Bƒ tI-c-ftIm- -Hm-∏-td-‰o-hv A¿-_≥ _m-¶v Fw-tπm-bo-kv A-t m- n-tb-j-s‚ ap-t∂m-´p-≈ ]-bm-W-Øn-\v s]-cp-ßp-gn io-[-tc- ≥ \¬-In-bn-cp-∂ i-‡-am-b t\-Xr-Xzw F-∂pw ]-tNm-Z-\-am-Wv.

A-t m- n-tb-j-s‚ F-√m-am-bn-cp-∂ ]n-b-s∏-´ io-[-tc-´≥ k-l-]-h¿-Ø-I-cp-sS C-S-bn¬ F-s∂-∂pw Pz-en-°p-∂ Hm¿-Ω-bm-bn-cn-°pw. "'B-im≥'' \-sΩ hn- p-]n-cn-™n- v H-cp h¿-jw ]q¿-Øn-bm-Ip-∂ Cu A-h-k-c-Øn¬ A-t±-lw Im-ń-Ø-∂ h-gn-I-fn-eq-sS k-©-cn-®v kw-L-S-\-sb i-‡n-s∏-Sp-Øp-I F-∂ h-en-b Zu-Xy-am-Wv\-ap-°p-≈-Xv. B a-lm-\p- m-h-s‚ Hm¿-Ω-bv-°v ap-∂n¬ H-cm-bn-cw c-‡-]p-jv-]-ßƒ A¿-∏n-°p-∂p.

teJ-I≥ Bƒ tI-c-fm tIm--˛-Hm-∏-td-‰o-hv A¿-_≥ _m-¶v Fw-tπm-

bo-kv A-t m- n-tb-j≥ P-\-d¬skI- -dnbmWv.


Rß-fmWv `mhnhn B¿ Z ^yq®¿ F∂ ktΩ-f-\-Øns‚ ASbmfhmNIw A¿∞-]q¿W-am-°p∂ N¿®bmWv ]X-\n-[n-Iƒ ImgvN-sh-®-Xv. kwLS\sb i‡-am-°m-\p≈\n¿t±-i-ßfpw DØ-c-hm-Zn-Ø-ßƒ Gs‰-Sp-°m-\p≈k∂≤Xbpw Inbm-fl-I-amb \n¿±-i-ßfpw N¿®-I-fn¬i≤n-°-s∏- p. ]cn-N-b-k-º-∂-cmb t\Xm-°sf t]mse]Iz-amb A`n-]m-b-ßƒ ]I-Sn-∏n® ]e kJm-°fpwN¿®-bpsS \ne-hmc-ap-b¿Øn. N¿®bv°v ASn-ÿm-\-am-b- tcJ FsI-_n-C-F^v P\-d¬ skI-´dn kn.-Un.tPmk¨ Ah-X-cn-∏n®p. N¿®-Iƒ D]-kw-l-cn-®p-sIm≠vAt±lw hni-Z-amb adp-]-Snbpw \¬In.

tIm -bsØ kJm-°ƒ Hcp-°nb Iem-hn-cp∂pw AXohlrZy-am-bn. Hm´w-Xp-≈¬ kq∏¿ln‰mbn. Km\-ta-fbpwananIvkpw \rØ-ßfpw Bkzm-Zy-am-bn.

Hcp ktΩ-f\ ]Xn-\n[n A`n-]m-b-s∏-´p: Most impor-tantly, we all came back to our branches full of energyand enthusiasm. CXp Xs∂-bmWv ktΩ-f-\-Øns‚hnPb ktμiw. FÆq-tdmfw bphm-°-fmWv ktΩ-f-\-Øn¬ ]s¶-Sp-Ø-Xv.

\nim-K-‘n-Iƒ]q°-th...\nem-hns‚ ssII-fn¬Btem-e-am-Sp-hm≥]qØp hnS¿s∂mcp\nim-K‘n ]pjv]ta

Bcpw ImWmsXsImgn™p hogthX]vX-\n-izm-k-ßƒ]I¿∂-sX-¥nt\m

Ccpƒho-W-h-gn-bn¬ImWm-a-d-bØv \n∂pwHgp-In-sbØpw K‘-ambv\n≥ kmao-]y-a-dn-bth

]I¬sh-fn-®-Øn¬hnS-cp-hm-\m-ImØ\n≥ au\ s\mºcwBcp-a-dn-bmsX t]mI-bmbv

kqcy-In-c-W-Øn≥]cn-cw- -W-a-dn-bp-hm≥sImXn-®nSpw \n∂p≈w\p≈n-t\m-hn-°p-hm-\mbv

]I-en\p hgn-amdn\ni-b-I∂p t]mIthsImgn™p hogp-hm≥hn[n-®-Xt√m \n≥ P∑w...

]n.-Pn. kpa94467 30969


sk-]v-Xw-_¿ 2 \v cm-Py-hym-]-I-am-bn sXm-gn-em-fn-Iƒ ]-Wn-ap-S-°n-b-t∏mƒ ]-ap-J hm¿-Øm Nm\ep-I-fnepwkm-aq-ly-am-[y-a-ß-fn-epw H-cp tNm-Zyw D-b¿-∂n-cp∂p. tI-h-ew 5 i-X-am-\w am-Xw h-cp-∂ C-¥y-bn-se kw-L-Sn-XsXm-gn-em-fn-Iƒ \-S-Øp-∂ ]-Wn-ap-S-°v k-a-c-Øn-\v \-tc-μ-tam-Un k¿-°m-cn-s‚ sXm-gn¬ ˛ km-º-Øn-I-\-b-ß-sf F-X-am-Xw kzm-[o-\n-°m-\m-Ip-sa-∂pw cm-Py-sØ A-Xn-i-‡-cm-b tIm¿-∏-td-‰p-Iƒ-°v F-¥v o-j-Wn-bm-Wv D-b¿-Øm-\m-hp-I F-∂p≈ tNm-Zy-ßfm-Wv N¿-® sN-ø-s∏- n-cp-∂-Xv.

C-¥y-bn-se am-[y-a DS-a-Ifpw IpØI ap-X-em-fn-am-cm-sW-∂pw A-h¿ N¿-® sN-øm\njvSs∏-Sp-∂-Xv Xo¿-®-bm-bpw sXm-gn-em-fn hn-cp-≤ B-i-b-ß-fm-bn-cn-°p-sa-∂pwD≈ km-am-\y t_m-[w cm-Py-sØ s]m-Xp km-aq-l-Øn-\p-≠v. B-b-Xp-sIm-≠p-X-s∂ A¿-ln-°p-∂ A-h-⁄-tbmsS Cu N¿-® \n-cm-I-cn-°p-I-bpw k-a-cw N-cn-X-hn-Pb-am-°n Xo¿-°p-I-bp-am-Wv sXmgn-em-fn-Iƒ sN-bv-X-Xv.

kw-L-Sn-X sXm-gn-em-fn-I-sf-°qSn A-kw-L-Sn-X ta-J-e-bn-te-bv-°v X-≈n-hn-Sp-∂ k¿-°m¿ \-b-ßƒ-s°-XnscB-bn-cp-∂p sk-]v-Xw-_¿ 2 -se tZ-io-b ]-Wn-ap-S-°v. sXm-gn-em-fn-Iƒ \n-c-¥-c t]m-cm- -ß-fn-eq-sS t\-Sn-sb-Sp-Ø A-h-Im-i-ßƒ \n-tj-[n-®v A-h-sc A-Sn-a-Iƒ B-°n-sIm-≠v apX-em-fn-h¿K-Øn\v Im-gv-N-sh-bv-°m≥ th-≠n sXm-gn¬ \n-b-a-ßƒ t`-Z-K-Xn sN-bv-Xp-sIm-≠n-cn-°p-I-bm-WvtIm¿-∏-td-‰p-I-fm¬ \n-b-¥n-°-s∏-Sp-∂ \-tc-μ-tam-Un k¿-°m¿. A-Xn-s\-Xn-cm-b sN-dp-Øp\n-ev-]v sXm-gn-em-fn-IƒD-b¿-Øp-tºmƒ A-Xn-s\ hn-e-Ip-d-®v Im-Wp-∂ X-c-Øn-te-°v N¿-®-Iƒ h-en-®n-g-°-s∏-Sp-∂-Xv h¿-§-aq-t∂-‰-Øn-s‚ ap-\-sbm-Sn-°p-I F-∂ tIm¿-∏-td-‰v Ip-Sn-e-X-¥w X-s∂-bm-Wv.

]-Xn-]-£-kz-cw Zp¿-_-e-s∏-´p-t∏m-b C-¥y-bn¬ cm-Py-Øn-s‚ k-a-kv-X hn-`-h-ß-fpw hn-ev-]-\-®-c-°m-°n am-‰p-∂ ap-X-em-fn-Ø \-b-ßƒ \-S-∏n-em-°p-∂-Xn-\v G-I]-Xn-_-\v-[w C-hn-S-sØ sXm-gn-em-fn-I-fpw I¿-j-I-cpw D-b¿-Øp-∂ ]-Xn-tcm-[-am-Wv. C-°m-e-a-X-bpw I-£n-cm-jv-So-b-Øn-s‚ ]n-∂m-ºp-d-ß-fn¬ A-e-k-am-bn A-e-™v Xn-cn-™n-cp-∂ tS-Uv bq-Wn-\p-Iƒ h¿-§-t_m-[-tØm-sS sF-Iy-sXm-gn-em-fn ]-ÿm-\-Øn-\p Io-gn¬ A-Wn-\n-c-°p-∂-Xv `-c-W-Ip-S-sØ sX-s√m-∂p-a-√ sNm-Sn-∏n-°p-∂-Xv. kz-¥w Im¬-°o-gn-se _n.-Fw.-F-kv F-∂ kw-L-S-\ Dƒ-s∏-sS H-gp-In-t∏m-bn Cu ]-hm-l-Øn-s‚ `m-K-am-Ip-∂pF-∂ ÿn-Xn-h-∂-t∏mƒ F-Sp-Øp-]-tbm-Kn-® Ko-_¬-kn-b≥ X-¥-am-bn-cp-∂p sXm-gn-em-fn-Iƒ-°pw k-a-c-Øn-\p-sa-Xn-cm-b am-[y-a-]-N-c-W-ßƒ (Im-e-tZ-i-ßƒ-°-Xo-X-

am-bn ^m-kn-Ãp-Iƒ H-cp-t]m-se Nn-¥n-°p-∂p F-∂-Xp-Iq-Sn C-Xn¬ \n-∂pw t_m-[y-s∏-Sp-∂p.)

k-a-c-Øn-s‚ hn-P-b-Øn-\v A-Xv F√m sXmgn-em-fn-I-fp-sSbpw ]-¶m-fn-Ø-ap-≈-Xm-bn-s°m-≈Wsa-∂v \n¿-_-‘-an-√. k-a-c-Øn-\v B-[m-c-am-b Im-c-W-ßƒ-°pw k-a-c-ap-b¿-Øp-∂ ap-Zm-hm-Iy-Øn-\p-am-Wv ]m-[m-\yw.

C-¥y-bp-sS kzm -X -¥y k-a-c -Øn¬ ]-¶m-fn-I-fm-b-h-cp-sS F-Æ-sa-Sp-Øm¬ i-X-am-\-°-W-°n¬ Xp -temw Xp-—-am-bn-cp-∂p.F-∂n- pw kq-cy-\-kv -X-an -°m-Ø H-cpkm - a m -Py -sØ ap-´p-Ip-Øn-°p-hm≥A - h ¿ - ° vkm-[n-®p. k-a -c -Øn -s‚B-kq-X-Ww, k-a-cw sN-øp-∂-h-s‚ \n-›-b-Zm¿-Vyw k-a-cw \-bn-°p-∂-h-cp-sS X-¥-⁄-X-bpw e-£y-t_m-[-hpwC-sXm-s°-bm-Wv k-a-c-sØ hn-P-b-Øn-te-°v \-bn-°p-∂-Xv. D-Zm-l-c-W-am-bn tI-μ kw-ÿm-\ `-c-W-Iq-S-ß-fp-sSap-∂n¬-t∏m-epw h-g-ßm-Ø Sm-‰-sb-∂ B-tKm-f Ip-Ø-Iò-a≥ aq-∂m-dn-se tXm-´w sXm-gn-em-fn k-a-c-Øn-\v ap-ºm-sI A-Sn-b-d-hv ]-d-bp-∂-Xn-\v Im-c-W-am-b-Xv ta¬-∏-d-™X-Xz-ßƒ B-Wv. ap-√-∏q k-a-c-sa-∂ Hm-a-\-t∏-cn- v aq-∂m¿k-a-c-Øn-s‚-bpw hn-π-h-ho-cyw Ip-d-®p Im-Wn-°p-hm≥ am-[y-a-ßƒ i-aw \-a-Øn. sXm-gn-em-fn-I-fp-sS \ym-b-am-bA-h-Im-i-ß-fpw B-\q-Iq-ey-ß-fpw \n-tj-[n-°p-∂ A-h-sc A-Sn-a k-am-\-am-b Po-hn-X km-l-N-cy-ß-fn-te-°v X-≈n-hn-Sp-∂ sXm-gn-ep-S-a-s°-Xn-cm-b t]m-cm- -sØ tS-Uyq-Wn-b-\p-Iƒ-s°-Xn-cm-b k-a-c-sa-∂v h-f-s®m-Sn-®v dn-t∏m¿-´v sN-øp-∂-Xn-\m-bn-cp-∂p _q¿-jzm am-[y-a-ßƒ i-an-®-Xv. hym-Jym-\w F-¥m-bn-cp-∂m-epw Nq-j-I-s\-Xn-cm-b Nq-jn-X i-‡n-bp-sS ap-t∂-‰-am-bn-cp-∂p aq-∂m-dn¬ hn-P-bwI-≠-Xv.

A_vZpƒkeow hS-°m-t©cn

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ka-cm-\-¥cw

B-h-\m-gn-bn¬ \n-∂pw G-‰-

hpw H-Sp-hn¬ F-Sp-Øv ]-tbm-

Kn-t°-≠ A-\n-›n-X-Im-e k-a-

c-sa-∂ A-ºm-Wv DLB k-a-c-

Øn¬ B-Zy-ta Fbv-sXm-Sp-°n-

b-Xv. A-Xn-\v e-£y-ÿm-\w Im-

Wp-hm-\m-bn-√. k-a-cw dn-th-gv-kv

Ko-b-dn¬ ho-Wp B-h-\m-gn

Iagv-Øn ho-c-N-c-aw ]m-]n-°p-

I F-∂-X-√m-sX a-‰p am¿-§-

ßƒ H-∂p-ap-≠m-bn-cp-∂n-√.


a-s‰m-cp-Zm-l-Ww h¨ -dm-¶v h¨ s]≥-j≥ k-a-c-am-Wv. \n-c-∂p-\n-∂m¬ cm-Py-Øn-s‚ c-≠-Xn-cp-Iƒ \n-c-ap-dn-bm-sX _-‘n-∏n-°m≥ X-° Aw-K-_-e-ap-≈ hn-ap-‡ `-S≥-am-cn¬ \n-∂pw P-¥¿-a-¥-dn¬ Dƒ-s°m-≈m-hp-∂-h¿am-X-am-Wv OROP k-a-c-Øn≥ ]-Xy-£ ]-¶m-fn-I-fm-bXv.A-Xpw Xßfp-sS Hu-tZym-Kn-I Po-hn-X-Øn-\n-S-bn¬ bm-sXm-cp k-a-cm-\p-`-h-ß-fpw C-√m-Ø-h¿. F-∂n-´pw A-km-[y-sa-∂v hn-e-bn-cp-Ø-s∏- B-h-iy-sØ t\-Sn-sb-Sp-°m≥,A-h-Im-i-am-°n am-‰p-hm≥ B k-a-c-Øn-\p I-gn™p.

-IÆ≥ tZh≥ ln¬ πmt‚-j≥ (KDHP) k-a-cw-t∏m-se X-s∂ ]p-Xn-b H-cp k-a-c-co-Xn-bpw OROP k-a-c-Øn¬]-co-£n-°-s∏-ń-√. ta-ev-]-d-™ k-a-c-Øn-s‚ B-kq-X-W-hpw k-a-cw sN-øp-∂-h-s‚ \n-›-b-Zm¿-Vy-hpw k-a-cw\-bn-°p-∂-h-s‚ X-¥-⁄-X-bpw e-£y-t_m-[-hpw X-s∂-bm-Wv Cu k-a-c-Øn-s‚-bpw hn-P-b-Øn-s‚ A-Sn-ÿm-\-in-e. Im-e-l-c-W-s∏-´-sX-∂v ]-e-t∏m-gpw hn-ti-jn-∏n-°-s∏-Sp-∂ ""a-c-Ww h-sc \n-cm-lmcw'' A-Xp am-X-am-bn-cp-∂p OROP k-a-c-Øn-s‚ Bbp[w.

a-c-Ww-h-sc \n-cm-lm-cw In-S-∂-Xp-sIm-≠p-am-Xw ka-cw hn-P-bn-°n-√ F-∂-Xn-\p-Iq-Sn \mw km-£n-I-fm-bn-cp-∂-t√m. [-\-e-£v-an _m-¶v k-a-c-Øn¬ C-tX ssi-en-X-s∂ B-bn-cp-∂p A-h-ew-_n-®n-cp-∂-Xv. Xr-»q¿- ]q-c∏-d-ºn-sem-cp k-a-c-∏-¥¬. am-dn am-dn a-c-Ww-h-cn-°m≥ X-øm-dm-b \n-c-h-[n k-Jm-°ƒ Bƒ-°p-´-ap-≠m-bn. A-ºm-cn-bp-≠m-bn. e-£-W-sam-Ø B-\-I-sf F-gp-s∂-≈n-®p ]-t£k-a-cw A-tX ]q-c-∏-d-ºn¬ F-´p-\n-e-bn¬ s]m-ń-sbm-Sp-ßn. k-a-c-Øn-s‚ B-kq-X-W-Øn¬ ]-‰n-b ]n-g-hm-WvDLB k-a-c-Øn-s‚ Z-b-\o-b ]-cm-P-b-Øn-\v Im-c-W-am-bXv.

k-a-cw k-a-c-Øn-\p th-≠n-bp-≈-X-√. k-a-cw ap-t∂m-´ph-bv-°p-∂ ap-Zm-hm-Iy-sØ km-£m¬-I-cn-°p-∂-Xn-\p-≈-Xm-Wv. Cu D-Ø-a-t_m-[y-Øn-s‚ A-Sn-ÿm-\-Øn¬]Izam-bn B-kq-X-Ww sN-ø-s∏-tS-≠-Xm-Wv k-a-cw.]t£m- w ]-Sn-]-Sn-bm-bn D-b¿-Øn-s°m-≠p h-cp-I-bpw A-Xn-s‚ Hm-tcm L- -Øn-epw N¿-®-bv-°pw A-\p-c-RvP-\-Øn-\p-ap-≈ A-h-k-c-ßƒ A-Xn-eq-sS kr-jv-Sn-°p-I-bpwthWw. H-cp N¿-®-bv-°v I-f-sam-cp-°p-I, A-Xn-eq-sS\ΩpsS B-h-iy-ß-sf Aw-Ko-I-cn-∏n-°p-I F-∂-Xn-\p--≈k-Ω¿± am¿-§-am-bm-Wv k-a-c-sØ D-]-tbm-Kn-t°-≠Xv.

B-h-\m-gn-bn¬ \n-∂pw G-‰-hpw H-Sp-hn¬ F-Sp-Øv ]-tbm-Kn-t°-≠ A-\n-›n-X-Im-e k-a-c-sa-∂ A-ºm-Wv DLBk-a-c-Øn¬ B-Zy-ta F-bv-sXm-Sp-°n-b-Xv. A-Xn-\v e-£y-ÿm-\w Im-Wp-hm-\m-bn-√. ]-tbm-Kn-°m≥ _m-°n-bp-≠m-bn-cp-∂ Bbp-[-ßƒ kq-N-\m k-a-c-Øn-s‚-bpw, [¿-Æ-bp-sS-bpw sU-tam¨-kv-tS-js‚-bp-am-Wv. k-a-cw dn-th-gv-kv Ko-b-dn¬ ho-Wp B-h-\m-gn I-an-gv-Øn ho-c-N-c-aw ]m-]n-°p-I F-∂-X-√m-sX a-‰p am¿-§-ßƒ H-∂p-ap-≠m-bn-cp-∂n-√.

_m-¶n-wKv ta-J-e-bn-se G-sXm-cp sXm-gn-em-fn k-a-c-Øn-s‚ ]-cm-P-b-hpw \-Ωp-tS-Xp-Iq-Sn-bm-Wv. Xn-I-®pw A-\ym-b-am-b H-cp ]n-cn-®p-hn-S¬ \-S-]-Sn-sb ]n≥-h-en-∏n-°m≥ I-gn-bm-sX-t]m-b-Xv k-a-c-Øn-s‚ B-kq-X-W-Øn-ep-≈ ]n-g-hpw]n-¥p-W-bv°m-s\-Øn-b-h-cp-sS A-Xn-cp I-S-∂ B-th-i-hpwaqeam-bn-cp-∂p F-∂-Xm-Wv k-a-cm-\-¥-c ]mTw

]n≥-Ip-dn-∏v: a-Wn-b-Sn-°m≥ h-∂-h≥ a-Wn-b-Sn-®n-´v -t]mbm¬ t]m-tc! ssU-h¿ ko-‰n¬ I-b-dn-bn-cp-∂vsIm°-bn¬-s°m-≠p X-t´-≠n-bn-cp-t∂m?

]I-S\w ]uVKwòcw]¶m-fn-Øw-sIm≠pw kPo-h-X-sIm≠pw GsdBI¿j-I-amb ]I-S -\ -amWv t]meokvKu≠n¬\n∂pw Xncp-\-°-c-bn-te°v \oßn-b-Xv. Ign-bp-∂Xpw KXm-K-X-Øn\v XS- -ap-≠m-°m-Xn-cn-°m≥ ]h¿Ø-I¿ i≤n-®p. D’m-lhpwBth-ihpw Xnc-X-√p-tºmgpw A®-S°w ssIhn-SmsX \S-Ønb ]I-S\w Xo¿®-bmbpw kvac-Wo-bw-X-s∂-bm-bn-cp-∂p. kn.-F®v.-hn. Dƒs∏-sS-bp≈ kap-∂X t\Xm-°ƒ ]I-S-\sØap∂n¬ \n∂pw \bn-®p.

Xncp-\-°-c-bn¬Xncp-h-©q¿

Xncp-\-°c ssaXm-\Øv F≥.-]n. cmPv \K-dn¬tN¿∂ s]mXp-k-tΩ-f\w a¥n Xncp-h-©q¿cm[m-Ir-jvW≥ DZvLm-S\w sNbvXp. X\n-t°sd aXn-∏p≈ tSUv bqWn-b-\mWv FsF-_n-CF F∂v At±lw ]d-™p. BiwkA¿∏n® kptc-jvIp-dp∏v Fw.-F¬.-F. ]_p-≤-cmb bphm-°ƒ kmaqly ]iv\-ß-fn¬kPo-h-ambn CS-s]-S-W-sa∂v A`y¿∞n-®p.FsF-_n-HF kwÿm\ P\-d¬ skI-´dnFw.-Un. tKm]n-\mYv Biwk A¿∏n-®p.


SMALLPAYMENTS!!!!The Reserve Bank of India, as expected, as asequel to Payment Banks, shortlisted 10 mi-cro lenders to set up small banks “to advanceloans primarily to the unbanked, small busi-nesses and farmers, micro and small indus-tries and unorganized sector entities which donot have access to finance from the largerbanks.”

With you at every stepThe ad lines or slogans of the biggest lender

of the country, SBI are “With you all the way,Pure Banking – Nothing else, The Nation Bankson us” etc. No doubt, the public sector behe-moth has been trying its best to give the bestto the Nation all along.

The RBI granted license to eleven entitiesto start operations as PaymentBanks. Telecom Operators and wal-let operators ruled the roost. Now,of the ten entities who have beenallowed to transform into smallbanks, micro finance providers arethe major lot. Out of ten, eight areMFIs, one a local area bank and onea non banking finance company.

Small Finance Banks are akin toregular commercial banks, exceptthat their scale of services will bemuch smaller. These types of dif-ferentiated or so called niche banksshould lend at least 75% of theirloans to the priority sector andmainly from areas where largebanks are not present. It is also acondition that 50% of the loansgranted by Small Finance Banksshould be under Rs 25 lakh cat-

Ramprakash B

94478 38492

egory. The minimum paid up capital for smallfinance banks is also fixed at Rs 100 crores.The initial contribution by the promoter shouldbe a minimum of 40% which can be broughtdown to 26% in next 12 years. It is said thatthe common thread that runs across the list ofthese ten successful applicants is that all ofthem have managed to extend credit to smallborrowers which no bank has been able toreach. The sole NBFC in the list is AU Finan-ciers, a Jaipur based company that extendscredit to SMEs including Vehicle and otherloans. Equitas Micro Finance, besides extend-ing loans for income generation, is operatingon a wider platform which includes schools also.

As is known to everyone, this type differ-entiated or narrow banking concept is experi-


mented on the recommendations of NachikethMor Committee which prescribed these stepsin the name of Financial Inclusion. Theoriginal idea of floating umpteen small privatebanks was mooted by none other than DrRaghuram Rajan, long before he assumedcharge of RBI. At that time the high-levelfinancial sector reforms committee headed byhim proposed ‘A hundred small steps’ toreform India’s financial sector.

Micro Finance Macro Vision“Micro Finance Macro Vision” is yet another

tag line of another entity which will soon be-come a small bank. It is with this ‘vision’ theyhave raised ‘finance’ for their operations sofar.

The rule says that the foreign shareholdingrules for Small Finance Banks will be the sameas the FDI policy for private sector banks,which as of now stipulates a foreignshareholding of up to 49 percent through theautomatic route and can go up to 74 percentafter getting the FIPB approval.

Majority of the ten entities that have beengranted license may have to lower their FDIin their companies as NBFCs are allowed toattract 100 percent FDI now. Reports revealthat Equitas, Ujjivan and Utkarsh have 93 per-cent, 90 percent and 85 percent foreign hold-ing respectively. So all the Small Finance Banks(SFBs) put together may have to raise a mini-mum of Rs 4000 crores in the next 18 monthsto commence their operations.

Another interesting fact isthat almost all who have ob-tained license to commencesmall finance banks have ei-ther a backing of Global Finan-cial Institutions or are pro-moted by one or other bank-ing professional. RameshRamanathan, promoter ofJanalakshmi Financial Ser-vices is the former ManagingDirector and European Headof Corporate Derivatives ofCiti Bank. He was also a mem-ber of RBI’s Financial Inclu-sion Committee!!!

Similarly Samit Ghosh ofUjjivan Financial Services is a

fomer Citi Bank Professional, Govind Singh ofUtkarsh Micro Finance was with three or morebanks. RGVN (North East) Micro Finance ispromoted by S M Palia, a former IDBI official.Some of these companies are also backed byIFC, World Bank, Morgan Stanley etc. Privateequity firms such as Warbug Pincus, KedaaraCapital, Chrys Capital etc. have also investedin these companies

Realising DreamsThe country has a history of more than thou-

sand bank failures prior to Nationalisation ofBanks in 1969 and another history of morethan 40 bank collapses in the postNationalisation Period. Some banks which wereopened with fanfare and gaiety in the post lib-eralization period by banking experts likeRamesh Gelli vanished within five years ofoperation. Notwithstanding, the bank had tobe taken over by a Nationalised Bank (withzero NPA) at that time.

A cursory glance of the various micro financeinstitutions which will soon become smallbanks reveals the astonishing fact about theinterest they charge on loans to small borrow-ers. It hovers between 20 to 30 percent andexcept for some Housing Loans, it is 15 per-cent. Profit being the mantra of the day, it isto be seen how these payment and small fi-nance banks are going to operate.

The RBI and in particular the governor ofRBI itself are skeptical about these ‘niche bank’


as during a recent interview, the RBI gover-nor quoted 1990s, the period when first roundof bank licenses were given. He said, “Manyplayers failed but later on were merged withtheir bigger counterparts”. If this be the case,why the hard earned savings of the commonman is exposed to loot?

“The detailed scrutiny involved assessmentof financial soundness, proposed business plan,fit and proper status based on due diligencereports received from the regulators, investi-gative agencies, banks, etc. An important fac-tor was proposed reach into unbanked areasand underserved sections of the population,”the RBI said in a statement at the time of grant-ing ‘in principle’ approval to the above ‘all andsundry’ to commence banking operations. Itis to be seen whether dreams will be realizedand there will be a UTKARSH (elevation) tothe various segments of the society throughthese measures.

Privatise, Privatise and PrivatiseIn a very surprising move, RBI on 29 Sept

cut repo rate by 50 basis points. No doubt, itwill bring down home and auto loan rates, pro-vided banks lower their base rates. At the sametime, it is going to be a bolt from the blue.With no proper social security measures in theNation, hundred thousands of old age peopleare living on the interest from bank deposits.With inflation always on top, the real interestrate is always negative. The rate cut will defi-nitely put the depositors into hardship

A few days back, Reuters reported that dis-cussions are going on in the Finance Ministry,Department of Industrial Policy and Promotionand the RBI to hike foreign ownership in pri-vate banks from the current 74 percent to 100percent. It is also told that options are beingconsidered to allow the additional 26 percentincrease through the approval route.

Addressing the 68th Annual General Meet-ing of Indian Banks’ Association, Finance Min-ister said the Government is willing to look atall other changes including bringing downgovernment equity to 52 percent in state runbanks.

The government has also appointed a highlevel panel headed by Justice A P Shah, formerChairman of the Law Commission to find outalternative options for public sector banks overand above the existing procedures which willgive more flexibility in the matter of recruit-ment of personnel.

All these measures, the dilution of govern-ment stake in PSBs, air dropping of personsfrom Corporate world to head PSBs, creatingnew private players in the banking space inthe name of Small and Private Banks, chang-ing the pattern of recruitment in PSBs, increas-ing the FDI in the banking sector are nothingbut pointers towards more and moreprivatization. The slogan “People’s money forpeople’s welfare and not for corporate loot”has to gain more momentum. Else the poorman’s money will be in the pockets of a few.

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]Ya kwÿm\ bph-k-tΩ-f-\-Øns‚ hºn®

hnP-b -sØ- Xp -S¿∂v tIc -f -Ønse F√m

Pn√Ifnepw bph-P\ ktΩ-f-\-ßƒ \S-Øm≥

Xocp-am-\-sa-Sp-Øp-sIm-≠mWv bph-k-tΩ-f\w

]ncn™Xv. _m¶p-I-fn-tebv°v IS-∂p-h-∂p-

sIm≠ncn-°p∂ bph-X-e-ap-dsb kwL-S-\m-cw-KØv

kPo-h-km-∂n-≤y-ambn hf¿Øn-sb-Sp-°m≥ Cu

Pn√m bph-k-tΩ-f -\ -ßƒ°v km[n°pw

F∂pd∏mWv.


tNm-Zyw : ]-Ømw D-`-b-I-£n I-cm¿ ]-Im-cw _m-¶v Po-h-\-°m-cp-sS £m-a-_-Ø I-W-°m-°p-∂-Xv F-ßn-s\-bm-Wv? tI-μ k¿-°m¿ Po-h-\-°m-cp-sS £m-a-_-Ø-bpw _m-¶v Po-h-\-°m-cp-sS £m-a-_-Ø-bpw X-Ωn¬ F-ßn-s\ Xm-c-X-ayw sN-øpw ?

D-Ø-cw : Nm-Wv-Un-K-Vn-epw, knw-e-bn-epw B-ÿm-\-am-bn tI-μ sXm-gn¬ h-Ip-∏n-\v Io-gn¬ ]-h¿-Øn-°p-∂te-_¿ _yq-tdm Hm-^v C-¥y ]-kn-≤o-I-cn-°p-∂ hy-h-km-b sXm-gn-em-fn-Iƒ-°p-≈ D-]-t`m-‡r hn-e-kq-Nn-I-sb A-Sn-ÿm-\-am-°n-bm-Wv _m-¶v Po-h-\-°m-cp-tS-bpw K-h¨-sa‚ v Po-h-\-°m-cp-tS-bpw£m-a-_-Ø I-W-°m-°p-∂-Xv.hn-e-kq-Nn-I-bp-sS 1960=100 F-∂ ti-Wn-bn¬ 4440 t]m-bn‚p-Iƒ-°v Xp-ey-am-bm-Wv A-Sn-ÿm-\ i-º-fw ]-Ømw I-cm-dn¬ \n¿-Æ-bn-®n-´p-≈-Xv. 2015 G-]n¬, sa-bv, Pq¨ am-k-ß-fn-se hn-e-kq-Nn-I-bp-sS i-cm-i-cn I-W-°m-°n-bm-Wv B-K-Ãv 1 ap-X¬ £m-a-_-Ø e-`n-°p-∂-Xv. C-Xv I-W-°m-°p-∂-Xv C-]-Im-c-am-Wv.

i-cm-i-cn 258.33. C-Xv 1960=100 F-∂ ti-Wn-bn-te-°v am-‰p-hm-\m-bn4.63 sIm-≠pw ]n-s∂ 4.93 sIm-≠pw Kp-Wn-°-Ww.

258.33 x 4.63 x 4.93 = 5896.61 58964440 t]m-bn‚n-\v Xp-ey-am-W-t√m A-Sn-ÿm-\ i-º-fw. A-Xn-\v ap-I-fn-ep-≈ hn-e kq-Nn-I-bv-°m-Wv £m-a-_-Ø.

5896 - 4440 = 1456 1456 ÷ 4 = 364 …m-_v. …m-_v H-∂n-\v 0.10%A-ßn-s\ 36.40% C-Xm-Wv _m-¶n¬ 2015 B-K-Ãv ap-X-ep-≈ Un-F.

G]n¬ 256

sabv 258

Pq¨ 261

tIμ Kh¨sa‚n¬ 2014 Pqembv apX¬ 2015 Pq¨ hscbp≈ Hcp h¿jsØ icmicn hnekqNnI

IW°m°pw. CXv 254.44 BWv. 1982=100 tiWnbn¬ 536 t]mbn‚pIƒ°p XpeyambmWv

ASnÿm\ iºfw \n¿Æbn®ncn°p∂Xv. 254.44 F∂ 2001=100 tiWnbnse kqNnIsb BZyw

1982=100 F∂ tiWnbnte°v amt‰≠Xp≠v. 254.44 x4.63=1178.06 1178.

C\n 1178 - 536 = 642 642536

x 100 = 119.78 119%

CXmWv tIμ Kh¨sa‚ v Poh\°mcpsS Ct∏mgsØ UnF \nc°v.

tIμ k¿°m¿ Poh\°mcpsS t^m¿ape _m¶n¬ D]tbmKn®m¬, ASnÿm\ kqNnI = 194.67(4440 t]mbn‚n\v Xpeyamb 2001=100 tiWnbnse \nehmcw). Ct∏mgsØ kqNnI = 254.44.

C\n, 254.44 - 194.67 = 59.7759.77

194.67x 100 = 30.70%. AXmbXv, _m¶v Poh\°m¿°v

hnekqNnI 2001=100

tkh-\- th-X\ hy-h-ÿ-I-sf-°p-dn-®p≈ kwi-b-ßƒ°v hni-Zo-I-cWw \¬Ip∂ Cu

]w‡nbn¬ \nßfpsS tNmZyßƒ°v I\dm _m¶v Fwtπmbokv bqWn-b≥ kwÿm\

skI- dn Fkv. cma-Ir-jvW≥ adp]Sn \¬Ip-∂p. ss_∏m¿ss´‰v sk‰n¬sa‚ns‚

`mK-ambpw sF_n-F- -bpsS \n¿t±-i-]-Im-chpw _m¶p-I-fn¬ s]mXp-hmbn \ne-hn-ep≈

tkh\˛thX\ hyh-ÿ-I-fmWv Cu ]w‡n-bn¬ ssIImcyw sNøp-∂Xv. CXn¬\n∂v

hyXy-kvX-am-bp≈ hyh-ÿ-Iƒ GsX-¶nepw Nne _m¶p-I-fn¬ amX-ambn \ne-hn-ep-

≈Xv ChnsS ssIImcyw sNø-s∏-Sp-∂n√ F∂Xv i≤n-t°-≠-Xm-Wv.

94475 34009

?=

tNmZywDØcw

_m¶nse t^m¿ape k¿°m¿ taJebn¬ kzoIcn®mtem? ASnÿm\ kqNnI 536 x 4.93 =2642.48 2642. Ct∏mgsØ ssXamk icmicn hnekqNnI 5896.

1960=100 F∂ tiWnbn¬ ASnÿm\ thX\w \qdv t]mbn‚n\v Xpeyambm¬ …m_v H∂n\v

4% UnF e`n°Ww. At∏mƒ ASnÿm\thX\w 2642 t]mbn‚n\v Xpeyambm¬ …m_n\v

0.1514% UnF BWv hcnI. _m¶nse Iogvhg°w A\pkcn®v CXv 0.16 BbmWv

IW°mt°≠Xv. 5896 - 2642=3254 t]mbn‚ v. 813 …m_v. 813 x 0.16 = 130.08 % BWv tIμ

Poh\°m¿°v e`n°pI. Ct∏mƒ Ah¿°v e`n°p∂ 119%tØ°mƒ 11.08% IqSpX¬.

_m¶nwKv taJebnse UnF kºZmbØns‚ ta∑ CXneqsS hy‡ambn a\ nem°mw.

Ct∏mƒ e`n°p∂ 36.40% tØ°mƒ 5.70% Ipdbpw.


_m-¶n-s‚ a-Zn-cm-in Hm-ô-kn¬ Zo¿-L-Im-ew ssU-h-dm-bn-cp-∂ _m-e-Æ≥, ¢¿-°m-bn s]-tam-j≥ t\-Sn,Sm≥-kv-^-dm-bn \m-ń-se ]p-Xn-b im-J-bn-se-Øn-b Im-cyw I-gn-™ e-°-Øn¬ kq-Nn-∏n-®n-cp-∂-t√m? [m-cm-fwc-k-I-c-am-b A-\p-`-h-ßƒ _m-e-Æ-t\m-sSm-∏w tPm-ensN-bv-X Im-e-Øv D-≠m-bn-´p-≠v.

]p-Xn-b im-J-bm-bn-cp-∂p-sh-¶n-epw, Pn-√-bn-se ]-[m\]- -W-Øn-em-bn-cp-∂-Xn-\m¬ Ip-d-™-Im-ew sIm-≠v h≥-_n-kn-\- m-Wv im-J-bn-ep-≠m-b-Xv. F¨-]-Xp-I-fp-sSXpS°-Im-e-am-Wv. Hm-h¿-ssSw A-e-h≥-kv \¬-Ip-∂-Xn\v\n-tcm-[-\-an-√m-Ø Im-ew.

B-fp-I-sf tkm-∏n-´v a-b-°p-∂ Im-cy-Øn¬ _n-cp-Zm-\-¥-c _n-cp-Zw t\-Sn-b ta-t\m≥ km-dm-Wv am-t\-P¿. H-cpa-Wn-°q-dn-\v A-e-h≥-kv \¬-In c-≠pw aq-∂pw a-Wn-°q-dn-s‚ Hm-h¿ ssSw tPm-en sN-øn-°m≥ an-Sp-°-\m-bn-cp-∂p ta-t\m≥ km¿. F-∂m¬ A-°u-≠‚ v k-eow km-dm-h-s´ sN-dn-b tXm-Xn¬ H-cp Ip-gn-a-Sn-b-\m-bn-cp-∂p. F-X-X-s∂ th-K-Øn¬ Kp-a-kv-X-∑m¿ tPm-en sN-bv-Xp sIm-≠n-cp-∂m-epw, k-eow km-dn-\-Xv sh-cn-ss^ sN-ø-W-sa-¶n¬ H-c¬-∏w sh-®v Xm-a-kn-∏n-t® ]-‰q. -""aq-∏m-Im≥ sh-°p-∂p'' F-∂m-W-t±-lw A-Xn-\v ]-d-bp-I. C-cp-∂v aq-Øm-epw, F≥-Sn-I-sfm-∂pw Iq-e-¶-j-am-bn sh-cn-ss^ sN-øm≥A-t±-lw ap-Xn-cm-dn-√. I-Æpw ]q-ń ]m- m-°n hn-Sp-I F-∂-Xm-Wv Sn-bm-s‚ \-bw! ""-…n-∏p-Iƒ Du-cn-an-∂p-∂p-''F∂m-Wv k-eow km¿ A-Xn-\v ]-d-bp-∂-Xv!!

sd-ko-]v-‰v Iym-jv Iu-≠-dn-em-Wv _m-e-Æ≥ A-∂n-cp-∂n-cp-∂-Xv. c-≠p-a-Wn-tbm-sS t]-bv-sa‚ v Iu-≠¿ t¢m-kv sN-bv-Xm¬, A-hn-S-sØ _m-°n Iym-jpw Iq-Sn _m-e-Æ-s‚ Iu-≠-dn-se-Øpw. c-≠pw Iq-Sn tN¿-Øv Iym-jv_p-°v F-gp-Xn t¢m-kv sN-ø-epw _m-e-Æ-s‚ Np-a-X-e-bm-bn-cp-∂p. F-s¥-¶n-epw hy-Xym-kw D-s≠-¶n¬ am-Xw,

k-lm-b-Øn-\v R-ß-fm-sc-sb-¶n-epw hn-fn-°pw. A-√m-sb-¶n¬ F-√mw F-gp-Xn sd-Un-bm-°n Iu-≠-dpw ]q-ń Xm-t°m¬ k-eow km-dn-s‚ ta-i-∏p-d-tØ-s°-dn-™v _m-e-Æ≥ A-©p a-Wn-tbm-sSÿ-ew Im-en-bm-°p-I-bm-Wv]-Xn-hv.

B-d-c-˛-G-gp-a-Wn-bm-hm-sXIym-jv sh-cn-ss^ sN-øm≥ k-eow km¿ X-øm-dm-hn-√. F-√mwI-gn-™v _m-¶v ]q-´p-tºm-tg-°pw an-° Zn-h-k-ß-fn-epw cm-Xn F-´p-a-Wn-bm-hm-dp-≠v. R-ßƒ aq-∂v \m-ev Kp-a-kv-X-∑m¿, \-°m-]n-® Hm-h¿-ssSwA-e-h≥-kv hm-ßn Balanc-ing, Interest ApplicationXp-S-ßn-b-h Xo¿-°m-\m-bn B-d-c- -G-gv a-Wn-h-sc _m-¶n-en-cn-°pw.

H-cp Zn-h-kw G-gv a-W n - b m - b -t∏mƒ k-eow km¿Iym-jv sh-cn-ss^ sN-øm≥Iu-≠-dn¬ I-b-dn.A¬-]w I-gn-™-t∏mƒR-ß-sf-sb-√mw B-th-i-

Iu≠-¿ hrØm¥wF. Al-ΩZv

94471 37280

hyXymkw

hcp∂ hgnIƒ!


]q¿-Δw Iu-≠-dn-te-°v hn-fn-®p. t¢m-knw-Kv Iym-jv 300/˛I Ip-d-hm-Wv. A-°m-e-Øv H-∂v, c-≠v, A-©v F-∂o sN-dp Xp-I-I-fp-sS I-d≥-kn t\m-´p-Iƒ [m-cm-fw k¿-°p-te-j-\n-ep-≠m-bn-cp-∂p. _m-e-Æ≥ t¢m-kv sN-bv-Xv sh-®-Xn-s‚ I-W-°p-Iƒ Ir-Xy-am-bn-cp-∂p F-¶n-epw, Iym-jv300/˛ cq-] Ip-d-hp-≠m-bn-cp-∂p. A-©p cq-] t\m- p-I-fp-sSsk-Iv-j-\p-Iƒ sh-® Iq-´-Øn¬ H-cp 2 cq-] t\m-ń-s‚sk-Iv-j≥ Iq-Sn sh-®-Xn-\m¬ _m-e-Æ-s‚ I-W-°n¬Iym-jv -Sm-en- B-bn-´p-≠m-hpw.

sam-ss_¬ t]m-bn- v ho-Sp-I-fn¬ sS-e-t^m¨ t]m-epwC-√m-Ø Im-e-am-Wv. ]-am-Z-am-sbm-cp tI-kn-\v Xp-ºp-≠m-°n-b A-t\z-j-tWm-tZym-K-ÿ-s‚ K-a-bn¬ k-eow km¿B-Àm-Z-tØm-sS kz-¥w kv-Iq- -dn-s‚ Xm-t°m¬ F-s‚ssI-bn¬ sh-®v X-∂v, _m-e-Æ-s\ D-S-s\ Iq- n-s°m-≠vh-cm≥ B-⁄m-]n-°p-∂p! \-K-c-Øn¬ \n-∂pw aq-∂p In-tem-ao-‰-dn-e-[n-Iw I-S-tem-c-tØ-°p-≈ tdm-Un-eq-sS t]m-I-Ww _m-e-Æ-s‚ h-k-Xn-bn-te-°v. A-hn-sS sN-√p-tºmƒH-‰-tØm¿-Øpw [-cn-®v i-co-c-Øn¬ F-Æ tX-®v Ip-fn-°m-\p-≈ ]p-d-∏m-Sn-em-bn-cp-∂p _m-e-Æ≥. A-Sn-b-¥n-c-am-bn _m-¶n-tem-s´m-∂v sN-√m≥ am-t\-P¿ ]-d-™n- p-≠v F-∂v am-X-sa _m-e-Æ-t\m-Sv Rm≥ ]-d-™p≈q.

]-Øv an-\n-´v sIm-≠v _m-e-Æ≥ Ip-fn-s®m-cp-ßn kv-Iq-´-dn¬ I-b-dn. h-≠n-tbm-´p-tºmƒ C-S-°n-sS F-s‚ i-co-c-Øn¬ tXm-≠n-sIm-≠v _m-e-Æ≥ tNm-Zn-®p sIm-t≠-bn-cp-∂p. F-∂-Xm-tSm _m-¶n¬ ]-iv-\w? kw-i-b-Øn-\n-S-\¬-Im-sX Rm≥ ]-d-™p-sIm-t≠-bn-cp-∂p, -am-t\-P¿A-Xym-h-iy-am-bn _m-e-Æ-s\ Im-W-W-sa-∂v ]-d-bp-∂p.A-X-tb F-\n-°-dn-bp- .

Su-Wn-\-Sp-sØ-Øm-dm-b-t∏mƒ A-Xm sd-bn¬-th tK-‰-S-°p-∂p. \n¿-Øn-b kv-Iq- -dn-\v ]n-∂n-en-cp-∂v _m-e-Æ≥X-s‚ C-S-Xv/h-e-Xv ssI-Iƒ am-dn am-dn D-]-tbm-Kn-®v i-co-c-Øn¬ tXm-≠n-bpw am-¥n-bpw ""F-¥m Im-cyw; ]-d-sb-tSm'' F-∂v tNm-Zn-®p sIm-≠n-cp-∂p. k-ln-sI-´v F-tXm H-cp Zp¿-_-e-\n-an-j-Øn¬ Rm≥ k-Xyw ]-d-™p; -_m-e-Æ≥ t¢m-kv sN-bv-Xv sh-® Iym-jn¬ 300/˛ cq-]-bp-sS Ip-d-hp-≠v.

D-S-s\ _m-e-Æ≥ kv-Iq-´-dn¬ \n-∂v Nm-Sn-bn-d-ßn \-S-°m-\m-cw- n-®p. tK-‰v Xp-d-∂-tXm-sS hm-l-\-ßƒ \o-ßm≥Xp-S-ßn-sb-¶n-epw, \n-hr-Øn-bn-√m-sX kv-Iq-´¿ tdm-U-cn-In-te-°v am-‰n \n¿-Øn, Rm≥ _m-e-Æ-s‚ ]n-∂m-se Hm-Sn! A-Sp-Ø H-cp am-S-°-S-bn¬ \n-∂pw _o-Un hm-ßn B-™p-h-en-bv-°p-I-bm-Wv Sn-bm≥! ""-_m-¶n-te-°v H-∂v h-cq,\-ap-°-hn-sS sN-∂v t\m-°mw'' F-∂v Xm-Wp-tI-W-t]-£n-®n-s´m-∂pw A-t±-lw I-\n-bp-∂n-√.

]-Sn-™m-sd am-\-Øv D-Zn-®p \n¬-°p-∂ H-cm-gv-N ]m-b-ap-≈ A-ºn-fn-am-a-t\-bpw t\m-°n, _o-Un B-™p-h-en-®v H-tc \n¬-∏m-Wv _m-e-Æ≥. C-t±-l-sØ _m-©n-te-s°-Øn-°m≥ F-¥m-Wv X-¥w F-∂v B-tem-Nn-®psIm-≠n-cn-t°, s]-s´-∂v _o-Un \n-e-tØ-°n-´v N-hn-ń-b-c-®v sI-Sp-Øn-s°m-≠v _m-e-Æ≥ hn-fn-®p Iq-hn, ""F-SmIm-cyw ]n-Sn-In-ń, Ãm-ºv hm-ßm≥ Ip-´≥ 300/˛ cq-] hm-ßo-´v, A-Xn-\v hu-®-dn-ń-ń-√m...... !''

Rm≥ Ãm¿-´m-°pw ap-tº _m-e-Æ≥ kv-Iq-´-dn¬ Hm-Sn-s®-∂v I-b-dn. _m-¶n¬ F-Øn F-√mw ]-cn-tim-[n-®-t∏mƒ Im-cyw i-cn-bm-sW-∂v t_m-[y-am-bn. ]yq¨ Ip-´≥ 300/˛ cq-] Ãm-ºv hm-ßm-\m-bn Im-e-Øv sIm-≠v t]m-b-Xm-Wv. F-∂m¬ hu-®-dn-ń-√. A-©v cq-]m t\m-´p-I-fp-sS sk-Iv-j-t\m-Sv tN¿-Øv H-cp c-≠p cq-] sk-Iv-j-\pwsh-®-tXm-sS, F-Iv-kv-s]‚o-®¿ hu-®¿ h-cm-Xn-cp-∂n-´pw,_m-e-Æ-\v t¢m-knw-Kv Iym-jv i-cn-bm-bn h-∂p.

k-lr-Z-b-\m-b ta-t\m≥ km¿, Cu ]-iv-\-Øn-s‚ km-t¶-Xn-I \m-aw A-t∏mƒ X-s∂ R-ß-sf ]Tn-∏n-°p-I-bpw sN-bv-Xp. ""-C-Xm-Wv Ip-ń-I-sf Compensating Error-! ''


amXyp tPm¿÷v ]n

94477 94106

kºZvcwKwkºZvcwKw

ssN\-bpsS hyh-kmb

cwKØv amμywIgn™ Bd-c - h¿jsØ

G‰hpw ISpØ amμy-amWv ssN\-bpsS hyh-km-b -cw-KØv sk]v‰w-_-dn¬ tcJ-s∏-Sp-Ø-s∏-´-Xv. Gjy≥sUh-e-]vsa‚ v _m¶v ssN\-bpsS]Xo-£n-X hf¿®m \nc°v 6.8 iX-am-\-ambn XmgvØn-b-Xn\p sXm´p-]n-d-sI-bmWv hyh-kmb cwKsØamμysØ kw_-‘n® IW-°p-Ifpw]pd-Øp-h-∂n-cn-°p-∂-Xv. (k¿°m¿e£y-an-ń-cn-°p∂ hf¿®m \nc°v 7iX-am-\-am-Wv.)

ssN\-bn¬ hyh-km-tbm-ev]m-Z-\-Ønepw Ib-‰p-a-Xn-bnepw sXmgn-enepw Ct∏mƒ Ipd-h-\p- -h-s∏-Sp-∂p.F∂m¬ ssN\-bn¬ Ct∏mƒ ImW-s∏-Sp∂ amμyw Xm¬°m-en-I-am-sW∂v Icp-Xp∂ kmº-ØnI hnZ-Kv≤-cp-ap-≠v. sNe-hp-Ifpw hmbv]-Ifpw h¿≤n-∏n-®p-sIm≠v kº-Zvhy-h-ÿsb DtØ-Pn-∏n-°m-\p≈ ia-ßƒ êw ImWp-sa-∂mWv Ch¿Icp-Xp-∂-Xv. hmbv]-bnepw D]-t`m-K-Ønepw hf¿® ssIh-cp-Øp-hm≥th≠n Ign™ \hw-_-dn-\p-tijwA©p-X-h-W-bmWv ]eni \nc-°p-I-fn¬ Ipdhp hcp-Øn-b-Xv. CubnsSAta-cn° kμ¿in® ssN\okv]kn-U‚ v jo Nn≥ ]nMv ssN\-bpsS hf¿® kpÿn-chpw kmam\ywthK-X-bm¿∂-Xp-am-sW∂v Xd-∏n®p]d-bp-I-bp-≠m-bn.

bp.-sI.-bpsS Dev]m-Z-\-£-aX

Pn˛7 cmjvS-ß-fn¬ G‰hpw

Ipdhv2014- se bp.-sI. bpsS Dev]m-Z\

£aX a‰p Pn˛7 cmjvS-ßsf At]-£n®v 1991˛ti-j-ap≈ G‰hpwIpd™ \ne-bn¬ FØn-t®¿∂n-cn-°p-∂p. CXv Pn˛7 cmjvS-ß-fpsS icm-i-cn-tb-°mƒ 20 iX-am\w Ipd-hm-Wv. bp.-sI.-bpsS \ne Ata-cn-°, P¿Ω-\n,^m≥kv F∂o cmjvS-ß-fp-tS-Xn-t\-°mƒ Gsd ]nd-Inepw C‰-en, Im\UF∂n-h-bp-tS-Xn-t\-°mƒ Ipd®p ]nd-In-ep-am-bn ÿnXn-sN-øp∂p.

Dev]m-Z-\-£-aXm hf¿® F√mhnI-knX cmPy-ß-fnepw Ipd-™n-´p-≠v. ]s£, bp.-sI.-bpsS Imcy-Øn¬hf-sc- IqSnb coXn-bn-em-bn-cp-∂p.

sXmgn-em-fn-I-fpsS Btfm-lcnDev]m-Z-\-Øn-ep-≠m-Ip∂ hf¿®bn-eqsS Cu Ahÿ adn-I-S-°-W-sa-∂mWv \n¿t±-iw. CXn-\mbn Dev]m-Z-t\m-]-I-c-W-ß-fnepw sXmgn-em-fn-I-fpsS sshZ-Kv≤yw h¿≤n-∏n-°p-∂-Xnepw ASn-ÿm\ kuI-cy-ß-fnepwIqSp-X¬ \nt£-]-ap-≠m-I-W-sa∂\n¿t±-i-amWv aptºm v shbv°-s∏- n-´p-≈-Xv.

Gjy-bpsS ]Xo-£n-°p∂

hf¿®-bn¬ Ipdhv hcp-Øn-

s°m≠v F.-Un.-_n.ssN\-bnepw C¥y-bnepw A\p-

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ssN\-bpsS kº-Zvhy-h-ÿ-bn¬ÿncX ssIh-cn-°p-∂-Xns‚ `mK-ambn Hcp amμyw ]Xo-£n-®n-cp-∂-Xmbpw `mhn-bn¬ IpØ-s\-bp≈

Hcp CSnh vD≠m-Ip-tam-sb-∂p≈ tNmZywamXta Ah-ti-jn -°p -∂p -≈ p - s h ∂ p ws ^ U - d ¬dnk¿hv A[y£ sP\‰vsbe≥ ]k vX m - h n - ® p .sXmgn¬ \nc°vA`n-hr-≤n-s∏-Sp-


Ibpw ]W-s∏-cp∏ \nc°v e£y-an´ c≠v iX-am-\-Øn¬ FØp-Ibpw sNøp-∂-Xphsc ]en-i-\n-c-°p-Iƒ XmgvØn \n¿Øp-I-sb-∂-XmWv sÛvs‚Zo¿L-Im-e-\-bw.

Ipd™ FÆ-hn-ebpw i‡-amb tUmfdpwImcWw ]W-s∏-cp -∏-\n -c°v Ata-cn -°-bn¬Ipd™p \n¬°p-I-bm-Wv. BK-Ãnse sXmgn-en-√mbva \nc°v 2008 \pti-j-ap≈ G‰hpw Ipd™\nc-°mb 5.1 iX-am-\-Øn¬ FØn-sb-¶nepw CutaJ-e-bn¬ C\nbpw sa®-amb \ne sÛv BK-ln-°p-∂p.

\nc-°p-Iƒ h¿[n-∏n-°p-tºmƒXs∂ AXv kmh-[m-\-am-bn-cn-°p-sa∂v ]Xo-£n-°-s∏-Sp-∂p. Cuh¿jw 0.25 iX-am-\hpw 2016-˛¬ 1 iX-am-\hpw 2017-˛¬ 1.25 iX-am-\hpw h¿[\ \nc-°p-I-fn¬ hcp-Øp-sa-∂mWv ]Xo-£n-°p-∂-Xv. sÛns‚ \nc-°p-Iƒ\n›-bn-°p∂ Hm∏¨ am¿°‰v IΩn‰n Cu h¿jwC\n HIvtSm-_-dnepw Unkw-_-dn-ep-amWv IqSp-I.

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INCOME TAX FOR THE FINT.V. Prakasan94475 79523

Tax Slab

EDUCATION CESS 3% OF INCOMETAXTax Rebate ( section 87A )Under section 87A resident individuals hav-ing net income not exceeding Rs 5 lakhs areeligible for a rebate of 100 % of income taxcalculated on net income or Rs 2000, which-ever is less.Contribution to new pension scheme by em-ployerAs per section 17 (1)(viii) contribution madeby the employer to new pension scheme isadded to salary in computation of total income.Deduction u/s 80CCD(1)Contribution to new pension scheme by em-ployee is exempted from computation of tax-able income ( maximum of 10 % of salary ).Total deduction 80CCE ( 80C,80CCC and80CCD(1)) shall not exceed Rs one lakh fiftythousand.Deduction u/s 80CCD(2)Employer contribution to new pension schemeis exempted from computation of taxable in-come. This deduction is in addition to one lakhfifty thousand rupees deduction as per sec-tion 80CCE

EXEMPTIONS1.HRAExemption u/s (13A) of I T Act. The amountshall be least of the following ( Who are inreceipt of H R A and paying rent forresidential accommodation )A. Actual H R A receivedB. The amount by which actual rent paid by

the employee exceeds 1/10 of salary (Basic+ special allowances ranking for PF )

C. 50 % of the amount of salary, where theaccommodation is at Bombay, Madras,Delhi or Calcutta. ( Basic + special allow-ances ranking for PF)

D. 40 % Of the amount of salary, in other places( Basic + special allowances ranking for PF)

2. PROFESSION TAXProfession tax paid by the employee is exemptfrom income tax u/s 16 (iii) of IT act

3. TRANSPORT ALLOWANCEEmployee who is blind or OH Rs 3200 P Mand others Rs 1600 P M is exempt from tax

LOSS UNDER THE HEAD INCOME FROMHOUSE PROPERTY ( u/s 24 )Rs 30000 for capital borrowed prior to01.04.1999 Rs 200000 for capital borrowedafter 1.4.1999

DEDUCTIONS1. DEDUCTION U/S 80-C ( NO INDI-

VIDUAL CEILING, OVERALL CEILINGRS 150000 )

QUALIFYING SAVINGS1. L I C premia self,spouse or child ( new

policies issued on or after 01.04.2013Annual premium 10% of sum assured )

2. P F contribution3. P P F4. 10 or 15 year post office cumulative time

deposit5. ULIP6. N S C7. Interest accrued on NSC ( except 6th year

interest )8. Subscription to any security of Central

Govt.


NANCIAL YEAR 2015-2016

9. Unit linked insurance plan of LIC mutualfund

10. Housing Loan repayment.11. Jeevan Dhara / Jeevan Akshy policies of

LIC12. Contribution to Equity linked savings

schemes of Mutual Funds13. Contribution to notified pension fund set

by the UTI/approved mutual funds.14. Deposit in Home loan scheme or pension

fund of NHB15. School fees incurred for education of two

kids16. Subscription to equity shares or deben-

tures allotted, forming part of any eligibleissue of capital approved by the board.

17. Subscription to any mutual fund referredto in clause (23D) of section 10 and ap-proved by the board

18. Deposit in banks for a period of 5 yearsand above ( Tax Saver Scheme )

19. Senior Citizen Deposit Scheme 200420. Post Office Time Deposit ( Five Years )21. Stamp duty, Registration fee and other ex-

penses for the purpose of transfer of houseproperty

22. Contribution to pension scheme of Govt

2. DEDUCTION U/S 80-CCCAmount deposited in an annuity plan ofLIC of India or any other insurer forReceiving pension, maximum Rs 150000

3. IMPORTANT ( 80CCE )TOTAL DEDUCTION U/S 80C, 80CCC and80CCD(1)SHALL NOT EXCEED RS 1.50LAKHS

4. DEDUCTION U/S 80-DPremium paid to effect or to keep in forceinsurance on the health of employee,spouse, children, dependent parents,Maximum Rs 25000. ( Rs 30000 for se-nior citizens ) Payment made for healthcheckup up to Rs 5000,within the overalldeduction of Rs 25000/30000

5. DEDUCTION U/S 80-DDMaintenance/medical treatment of handi-capped dependents. Disability 40 % to <80 % Rs 75000, disability 80 % or moreRs 125000. Assessee to furnish certifi-cate from medical authority.

6.DEDUCTION U/S 80-DDBExpenditure incurred for self or dependentfor treatment of special diseases and ail-ments. (Actual expenditure incurred or Rs40000 whichever is less. Rs 60000 for de-pendents age 60 or more. Rs 80000 forage 80 or more

7.DEDUCTION U/S 80-ERepayment of interest for loan taken bythe assessee for higher education of theassessee, spouse or Children.

8.DEDUCTION U/S 80-GDeduction in respect of donations - de-pending on the nature of donation, rate ofdeduction is 50% or 100 %. Donations paidin cash, maximum deduction Rs 10000only

9. DEDUCTION U/S 80-GGIn respect of rent paid by officers who areprovided with quarters

10. DEDUCTION U/S 80-GGADeduction in respect of donations forscientific research or rural develop-ment . Donations paid in cash, maximumeligibility Rs 10000 only

11. DEDUCTION U/S 80-UDeduction in case of permanent physicaldisability. Rs 75000 for disability 40% to<80% and Rs 125000 for disability 80 %or above.INTEREST ACCRUED ON NSC ( RS 100DENOMINATION )

PURCHASED ON ORAFTER 01.03.2003

FIRST YEAR 8.16SECOND YEAR 8.83THIRD YEAR 9.55FOURTH YEAR 10.33FIFTH YEAR 11.17SIXTH YEAR 12.08


Relief applicable for the financial year 2015-2016 for assessee’s who are in receipt of arrearsalary, in respect of the following cases1. 10% Income Tax payable for 2015-16 on account of arrear salary received, but not paid any

tax during the preceding financial years 2012-13, 2013-14, 2014-152. 20% Income Tax payable for 2015-16 on account of arrear salary received, but paid 10%

Tax for preceding financial years 2012-13, 2013-14, 2014-153. 30% Income Tax payable for 2015-16 on account of arrear salary received, but paid 20%

Tax for preceding financial years 2012-13, 2013-14, 2014-15Apportioning of contribution to PF on account of arrear salary is not possible for the respectivefinancial years. Total amount can be claimed for the year 2015-16 under section 80C

RATE OF INCOME TAX FOR THE FINANCIAL YEARS

2012-2013 2013-2014 2014-2015 2015-2016NIL UPTO 200000 UP TO 200000 UPTO 250000 UPTO 25000010 % 200001 - 500000 200001- 500000 250001-500000 250001 -50000020 % 500001-1000000 500001-1000000 500001-1000000 500001-100000030 % ABOVE 1000000 ABOVE 1000000 ABOVE 1000000 ABOVE 1000000

CASE STUDY: GROSS ARREAR SALARY FOR 2012-13 Rs 15000, 2013-14 Rs 90000, 2014-15 Rs. 105000

TAXABLE INCOME ( after all eligible deductions ) 2012-13 Rs 180000, 2013-14 Rs 190000,2014-15 Rs 220000

CALCULATION OF RELIEF:

Apportioning of ArrearsFor claiming relief under section 89

2012-13 2013-14 2014-15 2015-16TAXABLE SALARY 180000 190000 220000 250000Add: arrear 15000 90000 105000 210000Total 195000 280000 325000 460000Tax on above NIL 8000 7500 21000Less tax already paid NIL NIL NIL Less Rebate 87A ** NIL 2000 2000 2000Tax payable NIL 6000 5500 19000Education Cess 180 165 570Total NIL 6180 5665 19570Tax without arrear NILTax including arrear 19570Total payable 19570Payable after appropriation (6180 +5665) 11845Relief u/s 89 7725

** 100% tax or Rs 2000 whichever is less for Taxable income up to Rs 500000 ( Financial year2013-14 onwards )


bph-k-tΩ-f\w - ˛ ambmØ NnX-ßƒ

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\mYv Biwk A¿∏n-°p-∂p.

Vol. 38 No. 7 | Price Rs. 15 OCTOBER 2015 Labour Lifete_¿ sse^v

Edited & Published by S. Ramakrishnan, for Bank Employees’ Publications and printed by himat Amarakerala Industries, Kalabhavan Road, Kochi - 18 Phone : 2355952

The Bank Employees’Co-operative

Society Ltd. No. T 167SBT Employees’ Union Building, Pulimood, Thiruvananthapuram -1

Ordinary Loan Limit Rs. 7,00,000/-Emergency Loan Upto Rs. 1,00,000/-

New MDS Rs. 50,000/- | Rs. 1,00,000/- | Rs. 2,00,000/- | Rs. 3,00,000/-

We accept deposits onattractive interest rate

M P AJAYAKUMAR UBI PRESIDENTR SANTOSHKUMAR SBT SECRETARYP ASOKAN CB VICE PRESIDENTK SIVAKUMAR SBT JOINT SECRETRYK V ASOKAN FB TREASURERK RADHAKRISHNAN SBT DIRECTORA S SUGATHAN SBT ,,T AMBIKA SBT ,,K RAJAN IB ,,C KESAVANKUTTY BOI ,,P RAJAN SY.B ,,LEENA ROSE CBI ,,LOVELYKUTTY PNB ,,

Board of Directors

Serving Bank Employees for more than 5 decades

Documents

Labour Life October 2015 - Federal Bank Life Oct.2015.pdf2015 OCTOBER Ncn{Xw Ipdn®v bph-k-tΩ-f\w “If you can’t fly, then run, if you can’t run, then walk, if you can’t walk,