HIvtSm- ¿ 2019 hnehedgeohari.com/wp-content/uploads/2020/06/october.pdf · slUvPv Hmlcn HIvtSm-_¿...

1slUvPv Hmlcn HIvtSm-_¿ 2019

HIvtSm-_¿ 2019 hne : 30

CFwsFbpw ]oan-bhpw

Ipd-bv°m≥

Nne am¿K-ßƒ

apØq-‰ns‚ Hml-cnbpsS

]I-S-\sØ kacw

Fßs\ _m[n°pw?

kwhXv 2076¬

\nt£-]-n-°m≥

15 Hml-cn-Iƒ

2 slUvPv Hmlcn HIvtSm-_¿ 2019


amµyw h∂ hgnIƒ

Ign™ c≠v Zi-Ißƒ°nsS kw`-hn® BtKmf kmº-ØnI amµy-ßƒ ][m-\-ambpw Kpcp-X-c-amb kw`-h-ß-sfXpS¿∂m-bn-cp-∂p. 2001se kmº-ØnI amµy-Øn\v Imc-W-am-bXv sk]v‰w-_¿ 11\v \yqtbm¿°nse thƒUv tSUv sk‚-dn-s\-Xnsc D≠mb BI-a-W-am-bn-cp-∂p. 2008se kmº-ØnIamµyw bpF-knse k_vss]w ]Xn-k-‘nsb XpS¿∂mWvDcp-Øn-cn-™-Xv. Ct∏mƒ \mw IS-∂p-t]mbn sIm≠n-cn-°p∂BtKmf kmº-ØnI ]Xn-k-‘n- Bcw- n-®Xv ][m-\-ambpwhym]mc bp≤sØ XpS¿∂m-Wv.

F∂m¬ \ΩpsS cmPyØv Ct∏mƒ i‡n-bm¿Pn-®n-cn-°p∂ ]Xn-k-‘n-°v ImcWw hym]mc bp≤w amXa-√. Cu]Xn-k‘nbpsS thcp-Iƒ t\m v \ntcm-[-\-Ønepw Ign™h¿jw sk]v‰w-_dn¬ Bcw- n® [\-Zu¿e- y-Øn-ep-sams°]nW-™p-In-S-°p-∂p. 2016se t\m v \ntcm-[\w KmaoW kº-Zvhy-h-ÿ-sbbpw sNdp-InS kwcw-`-ßsfbpw XI¿Øp-I-f-™p. Ign™ h¿jw apX¬ _m¶nMv CXc [\-Imcyÿm]-\-ßfpsS [\-e- yX KWy-ambn Ipd-™-tXmsS hn]-Wn-bpsS ]h¿Ø\w aµ-K-Xn-bn-em-bn. CtX XpS¿∂mWv[\-Øns‚ sNehv Ipd-bv°m-\p≈ am¿Kw F∂ \ne-bn¬Ign™ s^_p-hcn apX¬ dnk¿hv _m¶v XpS¿®-bmbn]en-i-\n-c-°p-Iƒ sh´n-°p-d®Xv.

\nc-°p-Iƒ Ipd-®-Xns\ XpS¿∂v _m¶p-IfpsS [\-e-`yX KWy-ambn h¿[n-®p. AtX kabw hyh-kmb taJebnte°v Bh-iy-amb aqe-[\w FØp-∂n-√. CXv IuXp-I-I-c-ambn tXm∂m-hp∂ ÿnXn-hn-ti-j-amWv. Hcp mKØv _m¶p-IfpsS ssIhiw Db¿∂ [\e-`yX \ne-\n¬s° adp-`m-KØv Iº-\n-Iƒ aqe-[\w kam-l-cn-°p-∂-Xn-\mbn ]mSp-s]-Sp-∂p.

tIm¿∏-td‰v \nIpXn Cfhv F∂ hPm-bp[w sIm≠p-amXw kmº-ØnI amµysØ AXn-Po-hn-°m-\m-Iptam? D¬∏m-Z\ taJ-e-bn¬ IqSp-X¬ aqe-[\ \nt£]w sIm≠p-h-cm≥\nIpXn Cfhv hgn-sh-®m¬ henb am‰-ßƒ Xs∂ kw`-hn°pw. ]tbm-K-Øn¬ AXv FX-tØmfw kw -hn-°p-sa∂vImØn-cp∂v Xs∂ ImW-Ww.

slUvPv Hmlcnsb Ipdn-®p≈ \nß-fpsS hne-tb-dnbA`n-]m-b-ßfpw \n¿tZi-ßfpw kzmKXw sNøp∂-p.

sI.-A-c-hnµvFUn-‰¿,

slUvPv [email protected]

Volume: 9 Issue: 7Price: 30

Editorial

Company ManagementManaging DirectorAlex K Babu

Chief Executive OfficerVinay Sasidharan

EditorK. Aravind

Research TeamSenior Vice President- Research & AdvisoryKrishnan Thampi K.

Senior Technical AnalystAnish C.V.

Fundamental AnalystVishakh K.

Layout & DesignM.T.Gopalakrishnan,DezignCentre, Kochi.

Head OfficeHead OfficeHead OfficeHead OfficeHead OfficeHedge Equities,Hedge House,Mamangalam,Kochi,Pin-682 025Tel: 0484 6130400E-mail: [email protected]: www.hedgeohari.com

DisclaimerThe information contained inour report does not constitute anoffer to sell securities or the solicitation of an offer to buy, anysecurity. The information in our report is not intended as financialadvice. Hedge Equities Ltd do not undertake the responsibilityfor any investment decision taken by the readers based on thisreport. Moreover, none of the research report is intended as aprospectus within the meaning of the applicable laws of anyjurisdiction. The information and opinions contained in researchreports have been compiled or arrived at from sources believedto be reliable in good faith, but no representation or warranty,express or implied, is made by Hedge Equities Ltd to theiraccuracy. Moreover, you should be aware of the fact thatinvestments in securities or other financial instruments involverisks. Past results do not guarantee future performance.

October 2019


Contents October 2019

[\-IΩn Db-cp-∂-Xn\v Imc-W-am-Ip∂hn´p-ho-gvN-Iƒ°v Hcp-°a-s√∂ a´n-emWvBZy-sams° DtØ-PI]≤-Xn-Iƒ°m-bp≈ apd-hn-fn-I-tfmSvtIµ k¿°m¿ ]XnI-cn-®-Xv.F∂m¬ HSp-hn¬ hyh-kmb taJ-ebv°v\nIpXn C\-Øn¬ hºn® Cf-hp-Iƒ]Jym-]n®v kº-Zvhy-h-ÿbv°vDtØ-P\w \¬Im≥ k¿°m¿ Xbm-dm-bn.

\nIpXnam‰w

amµyw am‰ptam?............6

Zo]m-hen BtLmjØns‚ shSn-sI v Hmlcnhn]-Wn-bn¬ CXn-\Iw kw -hn®p Ign-™p.Cu kml-N-cy-Øn¬ Gsd ]Xo-£-I-tfm-sS-bmWv \nt£-]-I¿ aplq¿Ø hym]m-csØhc-th¬°m-s\m-cp-ßp-∂-Xv.

`h\ hmbv]-bpsS C Fw-sF, C≥jp-d≥kv ]oanbw XpS-ßn-b-hsb sNe-hp-I-fm-bmWv IW-°m-t°-≠-Xv. CXv Ipd-bv°m ≥km[n-®m¬ IqSp-X¬\nt£-]n-°m-\p≈ hgn-sbm-cp-ßpw.

kwhXv 2076¬ hn]Wn

IpXn-°m≥ km[yX.................10

CFw-sFbpw ]oan-bhpw Ipd-bv°m≥

Nne am¿K-ßƒ................................................32

t]m¿Svt^m-fn-tbm°v ]Xn-tcm[w Xo¿°p∂ taJ-e-I-fn¬\n∂p≈ Hml-cn-IfpsSbpw sNehv Ipd™ \ne-bn-ep-≈Hml-cn-IfpsSbpw Hcp aniWw BWv Rßƒ ip]m¿isNøp-∂-Xv.

kwhXv 2076¬ \nt£-]n-°m≥

15 Hml-cn-Iƒ...................................12

kacw aqew apØq‰v imJ-Iƒ ]q´n-bm¬ F¥p-kw- -hn°pw?...... 17

lnµp-ÿm≥ bqWn-en-h¿: amµyw _m[n-°mØ Iº\n................25

s]≥j≥ Bkq-X-W-Øn-\mbn FX XpI \nt£]n°Ww?......34

cq]-bpsS aqey-tim-jWw \nßsf Fßs\ _m[n°pw?...........42

F√m sse v C≥jp-d≥kv t]mfn-kn-Iƒ°pw \nIpXn Cfhn√...45

BtcmKy C≥jp-d≥kv ]oanbw Iam-Xo-X-ambn h¿[n-®m¬......... 46

knsFsF Db-cp-tºmƒ aqe-[\ t\´ \nIpXn Ipd-bp∂p.......... 48


Cover StoryCover Story

s]cp-h-gn-bn¬ A\-ßm-∏m-d-bmbn InS-°p∂ Im¿ Nne-t∏mƒ \mw X≈n Ãm¿Sv sNøn-°m-dp-≠v. ]gb tamU¬ kvIq -dp-Iƒ Ãm¿v Bbn-s√-¶n¬ H∂p sNcn®p sImSp-Øm¬

A\-ßn-Xp-S-ßpw. kº-Zvhy-h-ÿbpw Nne-t∏mƒ Cß-s\-sbms° Xs∂bm-Wv. apt∂m´p IpXn-°m≥ hnk-Ω-Xn-°p∂ kº-Zvhy-h-ÿbv°v Hcp X≈v \¬In-bm¬ AXv A\p-Iqe-ambn ]Xn-I-cn-s®∂p hcpw.

]en-i-\n-c-°p-Iƒ shń-°p-dbv°p∂Xpw[\-e- yX Dd-∏p-h-cp-Øp∂Xpw `cWXe-Øn¬ ÿncX ssIhcn-°p∂Xpw I\Øa¨kq¨ e`n-°p-∂Xpsams° kº-Zvhy-hÿ F∂ hml-\-Øn\v A\-ßm-\mbne`n°p∂ ssIXm-ßp-I-fm-Wv. Bdv amkwapºv hn]Wn D‰p-t\m-°n-bn-cp-∂Xv CsXm

s° kw -hn-°ptam F∂-Xm-bn-cp-∂p. hn]Wn BK-ln-®-sX√mw kw -hn-®p. ]eni \nc-°p-Iƒ KWy-ambn Ipd-™p, AXv [\-Øns‚ sNehv Ipd-®p, h≥`q-cn-]-£-tØmsS A[n-Im-c-Øn¬ h∂ c≠mw tamZn k¿°m¿ c-W-X-e-Ønse Aÿn-c-Xsb Ipdn-®p≠mbn-cp∂ Bi-¶-Isf Aÿm-\-Øm-°n.]Xo-£n-®-Xn-t\-°mƒ anI® ag s]bvXp.

hn]-Wn°v th≠-Xn-e-[nIw e`n-®p-sh∂p Xs∂ ]d-bmw. CX-sbms° A\p-IqeLS-I-ßƒ Dcp-Øn-cn-bp-sa∂v Bdv amkwapºv hn]Wn \nco-£-I-cn¬ an°-hcpw Icp-Xn-bn-cp-∂n-s√-∂-XmWv bmYm¿∞yw. ]t£CX-tbsd ssIXm-ßp-Iƒ e`n-®n´pw amµysØ AXn-Po-hn°m\m-ImsX kº-Zvhy-hÿ A\-ßm-∏m-d-bmbn XpS-¿∂p.

[\-IΩn Db-cp-∂-Xn\v Imc-W-am-Ip∂ hn´p-ho-gvN-Iƒ°v Hcp-°a-s√∂ ań-emWv BZy-sams°

DtØ-PI ]≤-Xn-Iƒ°m-bp≈ apd-hn-fn-I-tfmSv tIµ k¿°m¿ ]XnI-cn-®-Xv.

F∂m¬ HSp-hn¬ hyh-kmb taJ-ebv°v \nIpXn C\-Øn¬ hºn® Cf-hp-Iƒ ]Jym-]n®v

kº-Zvhy-h-ÿbv°v DtØ-P\w \¬Im≥ k¿°m¿ Xbm-dm-bn.

\nIp-Xn-am‰w

amµyw am‰p-tam?

D¬∏m-Z\ taJ-e-bn¬ aqe-[\ \nt£]w \S-Øm≥ Iº-\n-Isf t]cn-∏n°p∂ \nIpXn Cfhv hym]m-c-bp-≤sØXpS¿∂v C¥y°v e n® Ah-kcw apX-se-Sp-°m\mWv hgn-sbm-cp-°p-∂-Xv. Cu \S-]Snêw I≠m¬ C¥y-bnseD¬∏m-Z\ taJ-e-bn¬ IpXn-®p-Nm´w Xs∂ ]Xo-£n-°mw.


AeIvkv sI. _m_p


Cu kml-N-cy-Øn-emWv kmº-ØnIhf¿®sb Xzcn-X-s∏-Sp-Øp∂ DtØ-PI ]≤-Xn-Iƒ°m-bp≈ apd-hnfn Db¿∂-Xv. [\-IΩn Db-cp-∂-Xn\v hgn-sh-°p∂ hn´p-ho-gvN-Iƒs°m∂pw Hcp-°as√∂ ań-emWvBZy-sams° Cu apd-hn-fn-I-tfmSv k¿°m¿]Xn-I-cn-®-Xv. [\-IΩn IqSp-Ibpw k¿°m-cns‚ kmº-ØnI BtcmKyw hj-fm-Ip-Ibpw sNøp∂ ÿnXn Hgn-hm-°m≥ k¿°m¿I¿i-\-amb \ne-]mSv kzoI-cn-°p∂p F∂]Xo-Xn-bmWv BZyw P\n-∏n-®-Xv. F∂m¬HSp-hn¬ hyh-kmb taJ-ebv°v \nIpXnC\-Øn¬ hºn® Cf-hp-Iƒ \¬In kº-Zvhy-h-ÿbv°v DtØ-P\w \¬Im≥ k¿°m¿ Xbm-dm-bn. tIm¿∏-td‰v \nIpXn 30iX-am-\-Øn¬ \n∂pw 22 iX-am-\-ambn Ipd®v hyh-kmb taJ-e°v \¬Inb ssIXmßv]pXnb aqe-[\ \nt£-]-ßƒ°v hgn-sh-°p-sa∂pw AXp-hgn sXmgn-e-h-k-c-ßfpwD]-t`m-Khpw hf¿®bpw sa®-s∏-Sp-sa-∂p-amWv ]Xo-£n-°p-∂-Xv.

[\-Imcy a¥n \n¿aem koXm-cm-a≥\S-Ønb ]Jym-]\w A\p-k-cn®v tIm¿∏-td-‰p-Iƒ \¬tI≠ \nIpXn ê-Øn¬k¿ Nm¿PpIƒ Dƒs∏sS 25.17 iX-am-\-ambncn °pw. D¬∏m-Z\ taJ-e-bn¬ HIvtSm-_¿ H∂v apX¬ cPn-Ã¿ sNøp∂ Iº-\n-I-fpsS \nIpXn 25 iX-am-\-Øn¬ \n∂v 15iX-am-\-am-bmWv Ipd-®-Xv. k¿Nm¿Ppwskkpw Dƒs∏sS -eØn¬ 17.01 iX-am\w \nIp-Xn-bmIpw Cu Iº-\n-Iƒ \¬tI-≠-Xv. ]pXp-Xmbn XpS-ßp∂ Iº-\n-Iƒ2023 am¿®v 31\v apºv D¬∏m-Z\w XpS-ß-W-sa-∂mWv hyh-ÿ.

G‰hpw Db¿∂ \nc-°n¬ \nIpXn \¬Ip∂ Iº-\n-I-fpsS ]Xn Hmlcn hcp-am\wê-Øn¬ ]Øv iX-am-\-Øn-tesd Db-cpw.1.45 tImSn cq]-bmWv \nIpXn C\-Øn¬Iº-\n-Iƒ°v em`n-°m-\m-Ip-∂-Xv. CXv IqSp-

X¬ aqe-[\ \nt£]w \SØp-∂-Xn\v Iº-\n-Isf t]cn-∏n-°p-sa-∂mWv hne-bn-cp-Ø-s∏-Sp-∂-Xv.

hna¿i-I-cpsS hmZ-ßfn¬Ig-ºpt≠m?

AtX kabw k¿°m¿ kzoI-cn® DtØ-P\ \S-]Sn e-h-Øm-Iptam F∂v kwibw ]I-Sn-∏n-°p-∂-h-cp-≠v. Ah¿ ][m-\-ambpw D∂bn-°p-∂Xv Xmsg ]d-bp∂ hmZ-ß-fm-Wv.

1) kmº-ØnIXe-Øn-ep≈ ap≥I-cp-X-en¬ hn´p-hogvN sNbvXXns‚ ]Xym-Lm-X-ßƒ k¿°m¿ t\cn-tS≠n hcpw. k¿°m-cns‚ [\-IΩn samØ B`y-¥c D¬∏m-Z-\-Øns‚ \mev iX-am-\-ambn Db¿t∂-°pw.\ne-hn¬ 3.3 iX-am-\-amWv k¿°m¿ _P‰vsNbvXn-cn-°p∂ [\-I-Ωn. \nIpXn hcp-am\w Ipd-bp-∂Xv aqew [\-IΩn Cu \ne-hm-c-Øn-te°v FØn-°m-\m-Iptam F∂Bi¶ \ne-\n¬°p∂ L -Øn-emWv k¿°m¿ JP-\m-hn\v1.45 e£w tImSn cq] IqSn

\jvS-s∏-SpØp∂ ]Jym-]-\-ap-≠m-b-Xv.

\S∏p kmº-ØnI h¿jw G]n¬- -Pq¨ ssXam-k-Ønse [\-I-Ωn 4.32 e£wtImSn cq]-bmWv. Cu h¿jw samØ-Øn¬7.04 e£w tImSn cq]-bmWv k¿°m¿ _P‰v sNbvXn-cn-°p∂ [\-I-Ωn. CXns‚ 61.4iX-am-\amWv BZy ssXam-k-ØnseIΩn. AXm-bXv k¿°m¿ _P‰v sNbvX[\-IΩn ssIh-cn-°m≥ km[n-°-W-sa-¶n¬_m°n-bp≈ aq∂v ssXam-k-ß-fnse [\-IΩn 2.72 e£w tImSn cq]-bn¬ Ihn-bm≥]mSn-√. Cu e£yw ssIh-cn-°m≥ km[n-°ptam F∂v t]mepw Dd-∏n-√mØ kml-N-cy-Øn-emWv k¿°mcn\v 1.45 e£wtImSn cq]-bpsS hcp-am\ \jvS-ap-≠m-Ip-∂-Xv.

2) [\-IΩn IqSp∂Xv sIUn‰v td‰nMvGP≥kn-Iƒ "s\K-‰ohv' Bbn ImWp∂\S-]-Sn-bm-Wv. tIm¿∏-td‰v \nIpXn shń Ipd-®Xv tZmj-I-c-amb \S-]-Sn-bm-sW-∂mWvBtKmf td‰nMv GP≥kn-bmb Fkv&]nhne-bn-cp-Øn-b-Xv. k¿°m-cn\v IqSp-X¬ IS-_m-[yX hcp-Øn-sh-°p∂ \S-]Sn sIUn‰vtd‰nMv GP≥kn-Iƒ C¥ysb "Uu¨tKUv' sNøp-∂-Xn\v Imc-W-am-tb°pw.

3) kmº-ØnI DtØ-P\w hgn hf¿®Xzcn-X-s∏-Sp-Øp∂ coXn°v hnhn[ Xc-Øn-ep≈ tZmj-ê-ß-fp-≠v. lkz-Im-em-Sn-ÿm-\-Øn¬ kmº-ØnI ]h¿Ø-\-ßƒh¿[n-°m\pw hf¿® sa®-s∏-Sm-\pw CXvhgn-sh-°p-sa-¶nepw Zo¿L-Im-em-Sn-ÿm-\-Øn¬ CXv Xncn-®-Sn-Iƒ°v Imc-W-am-Ipw.BtKmf Xe-Øn-¬ ]Xn-Iqe LS-I-ßƒDcp-Øn-cn-bp-tºmƒ AXns‚ ]Xym-LmXwB`y-¥c Xe-Øn¬ IqSp-X¬ i‡-ambn]Xn- -en-°p-∂-Xn\pw kº-Zvhy-h-ÿ- Zq¿_-e-am-Ip-∂-Xn\pw BXy-¥n-I-ambn CucoXn hgn-sh°mhp-∂-Xm-Wv.

t_m≠p-Iƒ hgn IqSp-X¬ IS-sa-Sp-°p-Ibpw [\-I-Ωnbpw Id‚ v A°u≠v IΩnbpw Db-cp∂ Xc-Øn¬ k¿°m-cns‚ kmº-ØnI hybw h¿[n-∏n-°p-Ibpw sNøp∂coXn-bmWv 2009 apX¬ 2013 hsc C¥y]n¥p-S¿∂-Xv. ]t£ Cu coXn ]n∂oSvXncn-®-Sn-®p. Hcp ]t£ c≠mw bp]nFk¿°m-cns‚ ]X-\w kw -hn-®Xpw hf¿®Xzcn-X-s∏-Sp-Øp-∂-Xn\v IΩn-Iƒ \nb-¥-Wm-Xo-X-ambn Db-cp∂ hn[w hn´p-hogvN sNøp∂ coXn- Xncn-®-Sn-®Xv aqe-ap-≠mb kmº-ØnI ]Xn-k-‘nsb XpS¿∂m-Wv.

4) \ne-hn¬ cmPyw t\cn-Sp-∂Xv Unam‚nep-≠mb Ipdhv aqe-ap≈ amµy-am-Wv.AXp-sIm-≠p-Xs∂ D¬∏m-Z-\sØ Xzcn-X-s∏-Sp-Øp-∂-Xn\v ]Icw D]t-t`m-KsØt]m’m-ln-∏n-°p∂Xn-\p≈ \S-]-Sn-bmWvk¿°m¿ kzoI-cn-t°-≠n-bn-cp-∂-Xv. Unam‚ v sa®-s∏-Sp-Øm≥ Nc°p tkh\ \nIpXn (Pn-F-kvSn) Ipd-bv°p-I-bmWv k¿°m¿sNtø-≠n-bn-cp-∂-Xv. tIm¿∏-td‰v \nIpXnC\-Øn¬ \¬Inb 1.45 e£w tImSn

cq]bpsS Cfhv Nc°p tkh\ \nIpXnbn¬ \¬In-bn-cp-s∂-¶n¬ Nc-°p-I-fpsS hn

Ipd™ ]en-i-\n-c°v, `cWXe-Ønse ÿnc-X, ]Xo-£n-®-Xn-t\-°mƒ anI® a¨kq¨ XpS-ßnb A\p-Iqe LS-I-ßƒ Ign™ Bdv amk-Øn-\nsS Dcp-Øn-cn-™n´pwamµysØ AXn-Po-hn°m\m-ImsX kº-Zvhy-hÿ A\-ßm-∏m-d-bmbn XpS-cp-IbmWvsNøp∂-Xv.



Cover¬∏\ h¿[n-°p-Ibpw D]-t`mKw i‡n-s∏-Sp-Ibpw sNøp-am-bn-cp-∂p.

aqe-[\ \nt£-]sØt]m’m-ln∏n°p∂XvKpW-I-c-amIpw

C¥y D]-t`m-K-Øn¬ A[n-jvTn-Xambkº-Zvhy-h-ÿ-bm-Wv. BtKmf kmº-ØnIamµy-w cq£-amb 2008¬ t]mepw C¥y-bnseD]-t`mKw Imcy-ambn Ipd-™n-cp-∂n-√. AXn-\m¬ D]-t`mKw sa®-s∏-Sp-∂Xn\v hgn-sbm-cp-°p-I-bmWv th≠-sX∂ hmZw ]k-‡-am-Wv. F∂m¬ aqe-[\ \nt£-]sØbpwD¬∏m-Z-\-sØbpw t]m’m-ln-∏n-°p∂Ct∏m-gsØ \bØn\pw KpW-I-c-amb e-ßƒ krjvSn-°m-\m-Ipw. amX-hp-a-√, hym]m-c-bp≤sØ XpS¿∂p≈ khn-tij kml-N-cysØ KpW-]-c-ambn D]-tbm-K-s∏-Sp-Øm≥ Cu \S-]Sn cmPy-Øn\v klm-b-I-am-Ipw.

BtKmf kmº-ØnI amµyw Bcw-`n-®Xv ][m-\-ambpw hym]mc bp≤sØ XpS¿∂m-Wv. hym]m-c-bp≤w F∂v Ah-km-\n-°p-sa∂v B¿°pw ]h-Nn-°m-\m-In-√. AXp-sIm-≠p-Xs∂ \ne-hn-ep≈ amµyØn¬\n∂v Ft∏mƒ Ic Ibdn XpS-ßp-sa∂pw\ap°v Adn-bn-√. AXp-t]mse a‰v ]Xn-Iq-e-amb kml-N-cy-ßƒ \ne-\n¬°p-∂-Xn-\m¬ ]eni \nc°v Ipd-bv°p-∂Xp

Cover Story

Isf t]m’m-ln-∏n-°p∂ \S-]-Sn-bm-Wv.[\-Øns‚ sNehv Ipd™p \n¬°p∂kml-NcyØn¬ kzImcy aqe-[\ \nt£-]-ßƒ h¿[n-°p-∂-Xv ÿnc-X-bp≈ hf¿®bv°v hgn-sbm-cp-°pw. ASn-ÿm\ kuI-cy-ß-fpsS hnI-k-\-Øn\pw sXmgn-eh-kc-ß-fpsS krjvSn°pw kzImcy aqe-[\\nt£-]-ßƒ IqSntb Xocq. sXmgn-e-h-k-c-ßƒ h¿[n-°p-∂Xv kzm`m-hn-I-ambpw D]-t`mKw sa-®-s∏-Sp-∂-Xn\pw AXp hgn kmº-ØnI hf¿® i‡n-s∏-Sp-∂-Xn\pw Imc-W-am-Ipw.

D¬∏m-Z\ taJ-e-bn¬ HIvtSm-_¿ H∂vapX¬ cPn-Ã¿ sNøp∂ Iº-\n-I-fpsS\nIpXn 25 iX-am-\-Øn¬ \n∂v 15 iX-am-\-am-bn Ipd-®- \S-]Sn Cu taJ-ebv°p≈hºn® DtØ-P-\-am-Wv. \ne-hn¬ D¬∏m-Z-\-Øns‚ "l_v' Bb ssN\ t\cn-Sp∂]Xn-k‘n apX-se-Sp-°m≥ Cu \S-]Snklm-b-I-am-Ipw. hym]m-c-bp-≤sØ XpS¿∂vD¬∏m-Z\ taJ-e-I-fn¬ AS-®p-]q- ¬ ojWn t\cn-Sp-I-bmWv ssN\. B∏nƒ t]mep≈ Iº-\n-Iƒ Ah-cpsS D¬∏m-Z\ bqWn-‰p-Iƒ ssN\-bn¬ \n∂v am‰p-∂-Xn-\p≈Btem-N-\-bn-em-Wv.

C¥y-bn¬ ]pXnb D¬∏m-Z\ bqWn-‰p-Iƒ XpS-ßm≥ Iº-\n-Isf t]cn-∏n°p∂XmWv \nIpXnbn\-Ønse ]Øv iX-am\w Cfhv. CXv ew I≠m¬ C¥y-bnseD¬∏m-Z\ taJ-e-bn¬ henb IpXn-®p-Nm´wXs∂ ]Xo-£n-°mw. C¥y-bpsS Ib-‰p-aXnhcp-am\w h¿[n-°p-∂-Xn\pw Id‚ v A°u≠v IΩn \nb-¥-Wm-[o-\-am-°p-∂-Xn\pwCXv klm-b-I-am-Ipw. hcp-am\w h¿[n-°p-∂-tXmsS IqSp-X¬ Iº-\n-Iƒ bYm¿∞\nIpXn \¬Im≥ Xbm-dm-Ip-∂-tXmsS k¿°m-cns‚ hcp-am\w IqSp-Ibpw sNøpw.

tIm¿∏-td‰v \nIp-Xn°v ]Icw PnF-kvSn-bmWv Ipd-bvt°-≠n-bn-cp-∂-sX∂ hmZw

Unam‚ v Ipd-bp∂ kml-N-cy-Øn¬ bp‡n-k-l-am-sW∂v ]Xy-£-Øn¬ tXm∂m-sa-¶nepw CXv Zo¿L-Im-em-Sn-ÿm-\-Øn¬ kº-Zvhy-h-ÿbv°v tZmjw sNøpw. PnFkvSnIpd-®m¬ AXv ho≠pw ]gb \ne-bn-em-°pI Ffp-∏-a-√. A\p-Iq-e-amb kml-N-cy-Øn-te°v \msa-Øn-bm¬ t]mepw \nIpXn \nc°v ]gb \ne-hmcØn-te°v Db¿Øp-∂-Xn\v ISpØ FXn¿∏p-Isf t\cn-tS≠n hcpw. amX-hp-a-√, PnFkvSn Ipd®vD]-t`mKw Xzcn-X-s∏-Sp-Øp-∂Xv ]W-s∏-cp∏w Iam-Xo-X-ambn Db-cp-∂-Xn\v Imc-W-am-Ipw. AtXmsS \n-e-hn¬ ]en-i-\n-c°vIpd-bp-∂-Xns‚ B\p-Iqeyw kº-Zvhy-h-

[\-Øns‚ sNehv Ipd™p\n¬°p∂ kml-NcyØn¬kzImcy aqe-[\ \nt£-]-ßƒ h¿[n-°p-∂-Xv ÿnc-X-bp≈ hf¿®bv°v hgn-sbm-cp-°pw. tIm¿∏td‰v \nIpXnIpd-®Xv IqSp-X¬ aqe-[-\\nt£]w \S-Øp-∂-Xn\vIº-\n-Isf t]m’m-ln-∏n-°p∂ \S-]-Sn-bm-Wv.

sIm≠p-amXw amµysØ AXn-Po-hn-°m-\p≈ iaw ^e-h-Øm-Ip-∂n-√. Ign™h¿j-ß-fn¬ ][m-\ambpw k¿°mcns‚aqe-[\ \nt£]ßfmWv \S-∂-Xv. Cu\ne-bn¬ \n∂pw kzImcy aqe-[\ \nt£]w hf-cp∂ kml-N-cy-Øn-te°v \msatØ-≠-Xp≠v. Bsbmcp ]cn-h¿Ø\w kw -hn-°p-tºmƒ amXta \nc°v Ipd-bv°p-∂-Xns‚ KpW-^-e-ßƒ e`n-®p-Xp-S-ßp-Ibp-≈q. AXv tIm¿∏-td‰v \nIpXn Ipd-®Xphgn FX-tØmfw e`y-am-Ip-sa-∂v Adn-bm≥c≠v h¿j-sa-¶nepw ImØn-cn-t°≠n hcpw.

tIm¿∏td‰v \nIpXn Ipd-®Xv IqSp-X¬aqe-[-\ \nt£]w \S-Øp-∂-Xn\v Iº-\n-

\n¿aem koXm-cm-a≥


ÿbv°v \jvS-am-Ipw.

kº-Zvhy-h-ÿ-bnse[\-e-`yX Ipd®v ]W-s∏-cp∏w \nb-¥n-°m≥ dnk¿hv _m¶v CS-s]-Sp-∂-Xn-te°v Imcy-ß-sf-Øpw. ]W-s∏-cp∏w \nb-¥W hnt[-b-am-°m≥ ]eni \nc-°p-Iƒ Db¿Øp-∂Xv hf¿®sb ]Xn-Iq-e-ambn _m[n-°pw. ho≠pw kmº-ØnI]Xn-k‘n cq]w sIm≈p-∂-Xn\p≈ kml-N-cy-ßƒDcp-Øn-cn-bpw.

AXp-sIm≠v Zo¿L-Im-em-Sn-ÿm-\-Øn-ep≈ hf¿® ssIh-cn-°p-∂-Xn\pw \ne-\n¿Øp∂-Xn\pw th≠Xv D]-t`m-K-Øn\v ]IcwD¬∏m-Z\sØ t]m’m-ln-∏n-°p∂ coXn-bm-Wv.k¿°m-cns‚ \S -] -SnkzmK-Xm¿l-am-Ip-∂XpwCu ]›m-Ø-e-Øn-em-Wv.

Hmlcn hn]-Wn-apt∂‰w XpScpw

Hmlcn hn]-Wnsb kw_-‘n-®n-S-tØmfw tIm¿∏-td-‰p-I-fpsS hcp-am\w h¿[n-°p∂Xv as‰-¥n-ep-]cn apt∂m´p IpXn-°m-\p≈ t]c-ILSI-am-Wv. kº-Zvhy-h-ÿ-bpsS AXn-Po-h\w bmYm¿∞y-am-Im≥ ka-b-sa-Sp-°p-sa-¶nepw Hmlcn hn]-Wn-bnseIpXn∏v kw`-hn-°m≥ Iº-\n-I-fpsS hcp-am\ h¿[-bv°p Imc-W-am-Ip∂ \nIpXn \bw amXw aXn. ImcWw Iº-\n-IfpsS em -

£-a-Xbv°mWv hn]Wn aqeyw I¬∏n-°p-∂-Xv. AXp-sIm-≠v k¿°m-cns‚ ]pXnb\nIpXn \bw Hmlcn hn]-Wnsb kw_-‘n-®n-S-tØmfw \qdv iX-am\w "t]mkn-‰ohv'BWv.

tIm¿∏-td‰v \nIpXn Ipd-®-tXmsS G‰hpw Db¿∂ \nc-°n¬ \nIpXn \¬Ip∂Iº-\n-I-fpsS ]Xn Hmlcn hcp-am\w e-Øn¬ ]Øv iX-am-\-Øn-tesd h¿[\bmWv D≠m-Ip-∂-sX-∂n-cns° Cu Iº-\n-I-

fpsS Hml-cn-Iƒ Bbn-cn°pwhn]-Wn-bnse IpXn∏v \bn-°p-∂-Xv. Ign™ A©v h¿j-Øn-\nsS Hmlcn kqNn-I-I-fmb\n v‰n-sbbpw sk≥ sk-Ivkn-s\bpw apt∂m´p IpXn-∏n-®Xvem`-£-a-X-bn¬ ap∂n¬ \ne-\n¬°p∂ ]Øn¬ Xmsg amXap≈ h≥InS Iº-\n-I-fm-bn-cp-∂p. Cu ÿnXn-hn-tijØns‚ Bh¿Ø\w Xs∂-bm-bn-cn°pw XpS¿∂p≈ amk-ß-fnepw hn]-Wn-bn¬ ImWm-\m-Ip-I. ]Xn Hmlcn hcp-am\w KWy-ambn Db-cp∂, kqNn-I-bn¬Dƒs∏-´Xpw A√m-ØXp-ambIº-\n-I-sf "A]vtKUv' sNøm≥ t_m°-td-Pp-Ifpw A\-en-Ãp-Ifpw Xbm-dm-Ip-sa-∂n-cns° CØcw Hml-cn-I-fn-te°vIqSp-X¬ \nt£-]-sa-Øpw."slhn-sh-bn-‰p-Iƒ' \bn-°p∂ "dmen' XpS-cp-Ibpw sNøpw.

em`-£-a-X-bn¬ ap∂n¬\n¬°p∂ Iº-\nIƒ amXw

hn]-Wn-bnse Xmc-ß-fmbn XpS-cp∂ ÿnXn-bn¬ am‰-ap-≠m-In-√. IS-_m-[y-X-bnepw\jvS-Ønepw s]´p-g-ep∂ Iº-\n-I-fpsSHml-cn-I-ƒ XpS¿∂pw hn¬∏\ kΩ¿ZsØt\cn-tS≠n ht∂-°mw. AXp-sIm-≠p-Xs∂hn]-Wn-sb samØ-ambn \bn-°p∂ IpXn∏vA√ kw`-hn-°m≥ t]mIp-∂-Xv. Xnc-s™-SpØ anI® Iº-\n-Iƒ amXta Cu ]I-S-\-Øns‚ mK-am-Ip-I-bp-≈q.

`qcn-`mKw CS-Øcw Iº-\n-I-fnsebpwapt∂-‰-Øn\v C\nbpw ka-b-sa-Sp-°pw. CuIº-\n-IfpsS em -£-aX sa®-s∏-Sp-tºmƒamXta hn]-Wn-bnse IpXn-∏ns‚ `mK-am-Im≥ km[n-°p-I-bp-≈q. AtX kabw Ct∏mƒ Xs∂ hn]-Wn°v ]nb-¶-c-am-bn-cn-°p∂, anI® em`-£-a-X-bp≈ anUvIm-∏p-I-fn¬ apt∂‰w XpS-cpw. Cu khn-tijkml-Ncyw ap≥\n¿Øn-bmWv \nt£]Xocp-am-\-ßƒ ssIsIm-t≈-≠-Xv.

kº-Zvhy-h-ÿ-bpsS AXn-Po-h\w bmYm¿∞y-am-Im≥ ka-b-sa-Sp-°p-sa-¶nepw Hmlcnhn]-Wn-bnse IpXn∏v kw -hn-°m≥ Iº-\n-I-fpsS hcp-am\ h¿[\-bv°p Imc-W-am-Ip∂ \nIpXn \bw amXwaXn. ImcWw hn]Wn Iº-\n-IfpsS em -£-a-Xbv°mWvaqeyw I¬∏n-°p-∂-Xv.


Focus

kwhXv 2076¬ Hmlcn hn]Wn

IpXn-°m≥ km[yXIgn™ A©v h¿j-Øn-\nsS Hmlcn kqNn-I-sb apt∂m´p IpXn-∏n-®Xv em -£-a-X-bn¬ ap∂n¬

-\n¬°p∂ h≥InS Iº-\n-I-fm-bn-cp-∂p. Cu ÿnXn-hn-tijØns‚ Bh¿Ø\w

Xs∂-bm-bn-cn°pw XpS¿∂p≈ amk-ß-fnepw hn]-Wn-bn¬ ImWm-\m-Ip-I.

Zo]m-hen BtLmjØns‚ shSn-s°´vHmlcn hn]-Wn-bn¬ CXn-\Iw kw`-hn®pIgn-™p. tIm¿∏-td‰v \nIpXn 22 iX-am-\-ambn Ipd® k¿°m-cns‚ \S]Sn Iº-\n-I-fpsS hcp-am\ h¿[-\°v hgn-sh-°p-sa-∂n-cns° Hmlcn hn]Wn sk]v‰w-_¿ 20\vc≠m-bncw t]mbn-t‚mfw Db¿∂v Zo]m-henBtLmjw \S-Øp-∂-XmWv I≠-Xv. Cukml-N-cy-Øn¬ Gsd ]Xo-£-I-tfm-sS-bmWv \nt£-]-I¿ aplq¿Ø hym]m-csØhc-th¬°m-s\m-cp-ßp-∂-Xv.

kwhXv 2075:Hcp Ah-tem-I\w

Zo]mhen Hcp ]pXnb h¿j-Øns‚ XpS-°-am-bmWv C¥y-bn-seßpw sIm≠mSp-∂-Xv.lnµp Ie-≠¿ ]Imcw BN-cn-°-s∏-Sp∂]pXp-h¿j-sØ hc-th¬°ptºmƒ Hmlcn\nt£-]-I¿°v Bkq-XWw \S-Øp-∂-Xn\pw ]pXnb Xocp-am-

Zo]m-hen BtLmjØns‚shSn-s° v Hmlcn hn]-Wn-bn¬ CXn-\Iw kw -hn®p Ign-™p. Cu kml-N-cy-Øn¬Gsd ]Xo-£-I-tfm-sS-bmWv\nt£-]-I¿ aplq¿Ø hym]m-csØ hc-th¬°m-s\m-cp-ßp-∂-Xv. kwhXv 2076¬hn]Wn ]pXnb Db-c-ßfn¬FØn-tb-°pw.

\-ß-sf-Sp--°p-∂-Xn\pw ]gb h¿j-Øn-te°vHcp Xncn-™p-t\m´w \S-Øp∂Xn-\p-ap≈kµ¿ -amWv ssIh-cp-∂-Xv.

Ign™ h¿jw Hmlcn hn]Wn i‡-amb Hcp Xncp-Ø¬ t\cn´ kµ¿`-Øn-emWv aplq¿Ø hym]mcw \S∂-Xv. _m¶nMvCXc [\-Imcy ÿm]-\-ß-fpsS [\-e- yXIpd-bp∂ ]Xn-k-‘n°v 2018 sk]v‰w-_-dn-emWv XpS-°-an-´-Xv. AXns‚ ISpØ ]Xn- -e-\-ßƒ Ign™ h¿jw HIvtSm-_¿--Un-kw-_¿ ssXam-k-Øn-ep-≠m-bn. A∂v

XpS-ßnb kmº-ØnI ]Xn-k-‘n-bmWv]n∂oSv IqSp-X¬ i‡n-bm¿Pn-®-Xv.

kwhXv 2075¬ i‡-amb Db¿® XmgvNIfneqsSbmWv \n v‰n IS∂pt]mbXv. Ign™ h¿jsØ aplq¿Ø hym]mc Zn\amb\hw_¿ Ggn\v 10,598 t]mbn‚nembncp∂p\n v‰n hym]mcw Ahkm\n∏n®Xv. AhnsS

\n∂pw 14 iXam\w hsc \n v‰nDb¿∂p. hn]-Wnsb

kw_-‘n-®n-S-tØmf w

kw -h-ß-fpsS e-ßƒ \n¿Wm-b-I-am-Wv._m¶nMv CXc [\-Imcy ÿm]-\-ßƒ t\cn´ ]Xn-k-‘nsb XpS¿∂v Ign™ h¿jwHIvtSm-_-dn¬ Cu h¿jw 10,000 t]mbn‚ v\ne-hm-c-Øn-te°v CSn™ hn]Wn ]n∂oSv Xncn-®p-I-b-dn-bXv ]m¿e-sa‚ v Xnc-s™-Sp-∏n-t\mSv A\p-_-‘n-®m-Wv.

h≥`q-cn-]-£-tØmsS A[n-Im-c-Øn-te°v Xncn-s®-Ønb tamZn k¿°m-cn\p Io

gn¬ cmPyw c-W-ÿncXbm¿Pn-®Xv hn]Wn BtLm-jn-®p. F∂m¬ ]Xn-k

‘n IqSp-X¬ cq£-am-hp-Ibpw hym]mc bp≤w Xoh-am-bXv B tKmfkmº-ØnI amµy-Øn\v hgn-sh-°p-Ibpw sNbvX-tXmsS hn]Wn ho≠pw Xncp-Ø-ens‚]mX-bn-em-bn.

Ign™ h¿jw aplq¿Ø hym]mcw \S∂t∏mgp-≠m-bn-cp∂ \ne-hmcØn\v ASp-tØ°v ]n∂oSv \n

v‰n Xncp-Ø¬ t\cn´p Ign-™p. G‰hpw Db¿∂\ne-bn¬ \n∂pw 12 iX-am-\-tØmfw XncpØ-emWv D≠m-b-Xv. Hmlcn kqNn-I-I-fmb \n^v‰n-bn-sebpw sk≥sk-Ivkn-sebpwXncp-Ø¬ 10-˛12 iX-am-\-am-

sW-¶nepw kqNn-I-bn¬ Dƒ



Hcp Ic-I-b‰w kº-Zvhy-h-ÿ-bn¬ kw -hn-®p-Xp-S-ßptºmƒ XI¿® t\cn anI® Iº-\n-I-fpsS Hml-cn-Iƒ i‡-amb Xncn-®p-h-chv \SØpIXs∂ sNøpw. AØ-c-samcpIc-I-b-‰-Øn¬ ][m-\-ambpwt\´w sImøp-∂Xv Ct∏mƒaqey-X-I¿® t\cn taJ-e-I-fnse Hml-cn-I-fm-bn-cn-°pw.

s∏- Xpw A√m-ØXpw ]e Hml-cn-Ifpw F°m-e-sØbpw Xmgv∂ hne-bn-te°v XI¿∂-Sn-™p. \n v‰n-bnse 25 iX-am\w Hml-cn-Ifpw Hcp h¿jsØ G‰hpw Xmgv∂hne-bnse-Øn. AtX kabw sFSn, C≥jp-d≥kv XpS-ßnb taJ-e-Iƒ Cu Xncp-Ø-enepw anI® ]I-S\w ImgvN sh®p.HSp-hn¬ Iº-\n-Iƒ°v \nIpXn Ipd-®p-sIm≠v k¿°m¿ \S-Ønb ]Jym-]-\-amWvhn]-Wnbnse Ic-I-b‰w km[y-am-°n-b-Xv.11,650 t]mbn‚ v \ne-hm-c-Øn¬ \n∂pw11,300 t]mbn‚ v \ne-hm-c-Øn-te°v \n v‰nXncn-®p-I-bdn.

kº-Zvhy-h-ÿ t\cn-Sp∂]Xn-k-‘nbpw ]Xo-£bpw

kmº-ØnI kqN-I-ßƒ ]Xn-Iqeambn \n¬°p∂ ÿnXn-hn-ti-j-sØ-bmWv\mw Ct∏mƒ t\cn-Sp-∂-Xv. C¥y-bpsSsamØ B`y-¥c D¬∏mZ\ hf¿® G]n¬--Pq¨ ssXam-k-Øn¬ A©v iX-am-\-ambn

Ipd-™p. Ign™ A©v h¿jsØ G‰hpw Ipd™ ssXamk hf¿®-bmWv CXv.XpS¿®-bmbn Bdv ssXam-k-ßfn-embn hf¿®m \nc°v Xmtgm v t]mhp-I-bm-Wv.

P\p-h-cn- -am¿®v ssXam-k-Øn¬ Xs∂temI-Ønse G‰hpw Db¿∂ hf¿®m \nc-°p≈ cmPyw F∂ ÿm\w C¥y°v \jvS-am-bn-cp-∂p. B ssXam-k-Øn¬ ssN\ 6.2iX-am\w hf¿® ssIh-cn-®-t∏mƒ C¥yt\Sn-bXv 5.8 iX-am\w amX-am-bn-cp-∂p. G]n¬- -Pq¨ ssXam-k-Øn¬ hf¿®m \nc-°nse c≠mw ÿm\hpw C¥y°v \jvS-am-bn. 5.05 iX-am\w hf¿® ssIh-cn® Ct¥m-t\-jy-tb-°mƒ ]n∂n-embn C¥y.

G]n¬- -Pq¨ ssXam-k-Øn¬ 5.8 iX-am\w hf¿® ssIh-cn-°p-sa∂ dnk¿hv_m¶ns‚ IW-°p-Iq-´-ep-Isf Aÿm-\-Øm-°n-bmWv hf¿® A©v iX-am\w tcJ-s∏-Sp-Øn-b-Xv. CXv Xo¿Øpw A]-Xo-£n-X-am-sW-∂mWv dnk¿hv _m¶v Kh¿W¿i‡n-Im-¥-Zmkv ]Xn-I-cn®-Xv.

hym]mc bp≤w sImgp-°p∂ kml-N-cy-Øn¬ cq]bpw ]nSnhn´p hogpIbmWv. Ign™ amkßfn¬ cq]bpsS aqeyw henbXI¿®bmWv t\cn´Xv. Ncn-X-Øn¬ BZy-ambn tUmf-dns‚ aqeyw 70 cq]°v apI-fn-se-ØnbXv Ign™ h¿j-am-Wv. HmK-Ãn¬ho≠pw 70 cq] \ne-hm-c-Øn-te°v aqey-X-I¿® t\cn-´p. ASpØ Bdv amk-Øn-\p-≈n¬ cq] 75- 76 \ne-hm-c-Øn-te°v FØm-\p≈ km[y-X-bmWv hnZ-Kv[¿ Nq≠n-Im- p-∂-Xv.

]eni \nc°v 5.4 iX-am-\-ambn Ipd-™p-sh-∂Xv amX-am-bn-cp∂p GI A\p-Iqe LS-Iw. D]-t`mKvXr hym]mc hne kqNn-I-bpsS ASn-ÿm-\-Øn-ep≈ ]W-s∏-cp∏w \mev iX-am-\-Øn-\v Xmsg XpS-cp-∂XmWv XpS¿®bmbn \nc°v Ipd-bv°m≥ dnk¿hv _m¶n\v hgn-sbm-cp-°n-b-Xv.

Cu kml-N-cy-Øn-emWv tIm¿∏-td‰v\nIpXn sh´n-°p-d-bv°pI F∂ hPm-bp[w

k¿°m¿ ]tbm-Kn-®-Xv. Hmlcn hn]Wnsb kw_-‘n-®n-S-tØmfw CXv Xo¿Øpw A]-Xo-£n-X-am-bn-cp-∂p.

\nt£-]-I¿ F¥p-sN-øWw?kwhXv 2076¬ Hmlcn hn]Wn IpXn∏v

\S-Øm-\mWv km[y-X. Nm©m´hpw A\n›nXXzhpw \ne\n¬°p∂ kµ¿ -ß-fmWvanI® Hml-cn-Iƒ sNehv Ipd™ \ne-bn¬ hmßm-\p≈ Ah-k-cw D]-tbm-Kn-®-h¿°v AXns‚ KpW-^-e-ßƒ sImømw.H∏w Xs∂ Nm©m´ thf-bn¬ t]m¿Svt^m-fn-tbm°v Bh-iy-amb ]Xn-tcm[w Xo¿°m\pw \nt£-]-I¿ i≤n-t°-≠-Xp-≠v.

HcpIc-I-b‰w

kº-Zvhy -h-ÿ-bn¬kw`-hn-®p-Xp-S-ßptºmƒ XI¿® t\cn´anI® Iº-\n-I-fpsS Hml-cn-Iƒ i‡-ambXncn-®p-h-chv \SØpI Xs∂ sNøpw.

AØ-c-samcp Ic-I-b-‰-Øn¬ ][m-\-ambpw t\´w sImøp-∂Xv Ct∏mƒ aqey-X-I¿® t\cn´ Hmt´m-sam-ss_¬, _m¶nMvapX-emb taJ-e-I-fnse Hml-cn-I-fm-bn-cn-°pw. AXp-sIm-≠p-Xs∂ kwhXv 2075]n∂n´v ]pXnb h¿j-Øn-te°v IS-°p-tºmƒ CØcw Hml-cn-I-fnep≈ \nt£-]m-h-k-c-ßƒ D]-tbm-K-s∏-Sp-Øm-hp-∂-Xm-Wv.

AtX kabw kº-Zvhy-h-ÿ-bnse Ic-I-b‰w Ft∏mƒ kw`-hn-°p-sa∂v ]h-Nn-°m-\m-In-s√-∂n-cns° ]e L -ß-fn-embnamXta \nt£-]n-°m-hq. A\n-›n-XXzw\ne-\n¬°p∂ kml-Ncyw ASpØ ssXam-k-ß-fnepw \ne-\n¬°m-\p≈ km[yXap≥\n¿Øn t]m¿Svt^m-fn-tbmbpsS _me≥knMv \ne-\n¿Øm≥ ]Xn-tcm[ kz`mhap≈ sFSn t]mep≈ taJ-e-Iƒ°pw 50iX-am\w ]mXn-\n[yw t]m¿Svt^m-fn-tbm-bn¬ D≠m-I-Ww.

kwhXv 2076¬ \nt£-]n-°m-\mbn Xnc-s™-Sp-°m-hp∂ 15 Hml-cn-I-fpsS t]m¿Svt^m-fntbm BWv ASpØ t]Pp-I-fn¬\¬In-bn-cn-°p-∂-Xv.



Focus

kwhXv 2076¬ \nt£-]n-°m≥

15 Hml-cn-Iƒt]m¿Svt^m-fn-tbm°v ]Xn-tcm[w Xo¿°p∂ taJ-e-I-fn¬ \n∂p≈ Hml-cn-IfpsSbpw sNehv Ipd™

\ne-bn-ep-≈ Hml-cn-IfpsSbpw Hcp aniWw BWv Rßƒ ip]m¿i sNøp-∂-Xv.

lnµp-ÿm≥ bqWn-en-h¿GXv ]XnIqe kmlNcyØnepw \nt£]I¿°v ]Xntcm[Øns‚ kpc£nXXzw ]Icp∂ taJebmWv F vFwknPn.a‰v "AKkohv skIvSdpIƒ' hn]Wnbnse]XnIqe kmlNcyßfn¬ hoWpt]mbmepw t]m¿Svt^mfntbmbpsS \jvSw Ipd®v \nt£]sØ _me≥kvUv Bbn apt∂m´p sIm≠p t]mIm≥ F vFwknPn HmlcnIƒ°v Ignbp∂p.

kmº-ØnI amµysØ XpS¿∂v Ign™amk-ß-fn¬ F^v-Fw-knPn taJ-e-bnsehn¬∏\ Ipd-s™-¶nepw lnµp-ÿm≥ bqWn-en-hdns‚ _nkn-\kv anI® \ne-bn-em-Wv. D’-h-ko-W-Wn¬ F v-Fw-knPn taJ-e-bn¬ D≠m-Ip-sa∂v ]Xo-£n-°-s∏-Sp∂h¿[n-X-amb hn¬∏-\-bpsS ][m\ KpW-t`m-‡m-hm-bn-cn°pw lnµp-ÿm≥ bqWn-en-h¿.

C≥t^m-knkvcq]bpsS aqeytimjWw sFSn Iº\nIƒ°v Gsd KpWIcamIpsa∂ncns° CutaJebnse ªqNn]v Iº\nIƒ Ct∏mgsØ kmlNcyØn¬ \nt£]IcpsS t]m¿Svt^mfntbmbnep≠mIWw. cmPysØ G‰hpw henb c≠m-asØ sFSn Iº-\n-bmbC≥t^m-knkv Bbncn°Ww AXnsem∂v.anI-® ]h¿Ø\ ê-amWv Iº\n G]n

¬- -Pq¨ ssXamkØn¬ ]pd-Øp-hn- -Xv.

dne-b≥kv C‚-kvSokv\nt£]IcpsS t]m¿´vt^mfntbmbn¬D≠mbncnt°≠ HmlcnbmWv C¥y≥Iº\nIfn¬ em`£aXbn¬ H∂mw ÿm\Øv \n¬°p∂ dne-b≥kv C‚-kvSokv.][m\ _nkn-\-kmb s]tSm-sI-an-°¬knepw dnss -\nwKn-epw ÿncXbm¿ ∂ hf¿®bmWv Iº\n ssIhcn°p∂Xv.

sSentImw _nkn-\-knse hf¿®bpwHml-cn-bpsS apt∂-‰sØ XpW-°pw. sSentImw taJ-e-bn-¬ ]pXnb Xcw-K-ambn amdp-Ibpw \h-]-h-W-X-Iƒ°v XpS°w Ipdn-°p-Ibpw sNbvX dne-b≥kv Pntbm hcp-am\wh¿[n-∏n°m\p≈ km[yX \ne-\n¬°p-∂p.dos´bn¬ taJebnepw km∂n[yw i‡am°pIbmWv dneb≥kv.

knπBtKmf cwKsØ ]apJ ^m¿a Iº

\nIfnsem∂mb knπ Ib‰paXn tIµnX_nkn\kv sNøp∂ Iº\n F∂ \nebn¬cq]bpsS aqeytimjWØns‚ Hcp ][m\KpWt`m‡mhmbncn°pw. AÿncXbpwA\n›nXXzhpw \ne\n¬°p∂ Ct∏mgsØ kmlNcyØn¬ m¿a taJe t]m¿Svt^mfntbm°v IcptØIpsa∂ncns°\ymbamb hnebn¬ Ct∏mƒ e`yamb knπ\nt£] tbmKyamb HmlcnbmWv.

tKmZvsdPv t]m∏¿ókvamµysØ AXn-Po-hn®v dnb¬ FtÃ‰vtaJe Ic-I-b-dm≥ XpS-ßn-bm¬ AXns‚Hcp ][m\ KpW-t`m-‡mhv Bbn-cn°pwtKmZvsdPv t]m∏¿ókv. dnb¬ FtÃ‰vtaJebnse an° Iº\nIfn¬ \n∂pwhyXykvXambn IS_m[yX Xosc Ipd


slUvPv dnk¿®v


™Xpw anI® em`£aX \ne\n¿Øp∂Xpamb Iº\nsb∂ khntijX tKmZvsdPv t]m∏¿´okn\p≠v.

Fknknkmº-ØnI amµy-Øn¬ \n∂p≈ Ic-I-b‰wkw -hn®p XpS-ßp-tºmƒ h\ \n¿amWhpwa‰v \n¿amW ]h¿Ø\ßfpw KmaoW taJebn¬ h¿[n°pw. CXv kna‚n\p≈ BhiyIX Db¿Øpw. ]apJ kna‚ v \n¿amWIº\nbmb FknknbpsS _nkn\kv sa®s∏Sp∂Xn\v CXv hgnsbmcp°pw.

sPF-kvUªyp Ão¬hym]m-c-bp-≤sØ XpS¿∂v BtKmf Xe-Øn¬ \ne-\n¬°p∂ kmº-ØnI ]Xn-k-‘n-bmWv Ão¬ Dƒs∏-sS-bp≈ sa‰¬ taJ-esb ]Xn-Iq-e-ambn _m[n-®-Xv. AtXkabw B`y-¥c Xe-Øn¬ \n¿amW]h¿Ø-\-ßƒ sa®-s∏-Sp∂ Hcp kml-Ncyw Dcp-Øn-cn-bp-tºmƒ AXv Ão¬ Iº-\n-Iƒ°v KpW-I-c-am-Ipw. AØ-c-samcp Ic-I-b-‰-Øns‚ ][m \ KpW-t`m-‡m-°-fn-sem-∂m-bn-cn°pw sPF-kvUªyp Ão¬. ]h¿Ø\ sNehv temI-Ønse Xs∂ G‰hpwIpd™ \ne-hm-c-Øn-te°v sIm≠p-h-cm≥Iº-\n°v km[n-®n- p-≠v.

thmƒ´mkvD’-h-ko-k-Wn¬ P\ßfpsS D]t`mKwh¿[n®phcp∂ kmlNcyØn¬ I¨kyq-a¿ Ce-IvtSm-WnIvkv D¬∏-∂-ßƒ°p≈Unam‚ v ]tbm-P-\-s∏-Sp-Øm≥ k÷-ambIº-\n-bmWv Fb¿ I≠o-j-Wnw-Kv- F≥Pn-\o-b-dnwKv Iº-\n-bmb thmƒ´m-kv. Sm‰m Kq∏n¬ Dƒs∏´ thmƒ´mkv Fb¿ I≠o-j-W¿ t]mep≈ D¬∏-∂-ß-fn¬ C¥y-bnsekpÿm-]n-X-amb _m‚m-Wv. Ct∏mƒ sNehv Ipd™ \nebnemWv Cu Hmlcn e`yambncn°p∂Xv.

aloµ & aloµaloµ & alo-µ-bpsS hcp-am\w ][m-\-ambpw hml\ßfp-sSbpw Im¿jnI D]-I-c-W-ß-fpsSbpw D¬∏mZ\-Øn¬ \n∂m-Wv.temIsØ G‰hpw henb SmIvS¿ \n¿amW

Iº-\nbmWv aloµ-. hn¬∏-\-bpsS hym]vXw h¿[n-∏n®v hcp-am\w h¿[n-∏n-°p-∂-Xn-emWv Iº\n i≤-b¿∏n-®n-cn-°p-∂-Xv.

_PmPv Hmt´mkmº-ØnI amµy-Øn¬ \n∂p≈ Ic-I-b‰wXpS-ßp-∂-tXmsS KmaoW D]t`mKw sa®s∏Sptºmƒ CcpNI hml\ßfpsS hn¬∏\ h¿[n°m\p≈ kmlNcysamcpßpw.Ccp NI hml\ \n¿amW cwKsØ ]apJcmb _PmPv Hmt´mbv°v CXv KpWw sNøpw. Iº\nbpsS ap®I hml\ßƒ°pwi‡-amb Unam‚m-Wp-≈-Xv.

Fkv_nsFHcp Ic-I-b‰w kº-Zvhy-h-ÿ-bn¬ kw -hn-®p-Xp-S-ßptºmƒ XI¿® t\cn´ anI® Iº-\n-I-fpsS Hml-cn-Iƒ i‡-amb Xncn-®p-h-chv \SØpI Xs∂ sNøpw. AØ-c-samcpIc-I-b-‰-Øn¬ ][m-\-ambpw t\´w sImøp-∂Xv Ct∏mƒ aqey-X-I¿® t\cn´ _m¶nMvt]mep≈ taJ-e-I-fnse Hml-cn-I-fm-bn-cn-°pw. _m¶nMv Hml-cn-I-fnse Ic-I-b-‰sØ\bn-°p∂ Iº-\n-I-fn-sem∂v Fkv_nsFBbn-cn-°pw.

F®vUn-F vkn _m¶v\nt£]Isc Hcn°epw \ncmicm°mØ

AXoh ÿncXbp≈ Hmlcn F∂ \nebn¬ F®vUn-F vkn _m¶v GsXmcp \nt£]Is‚bpw t]m¿Svt^mfntbm°v apX¬Iq mbncn°pw. BkvXn-bpsS ASn-ÿm-\-Øn¬cmPysØ G‰hpw henb c≠m-asØ _m¶mb F®vUn-F vkn _m¶n-\mWv \n v‰n-bn¬ G‰hpw Db¿∂ shbn-t‰-Pp-≈-Xv. \n

v‰n-bpsS ]Øn-sem∂v shbn-t‰Pv F®vUn-F vkn _m¶ns‚ Hml-cn-°m-Wv. _me≥kvjo-‰nse Btcm-Ky-I-c-amb hf¿®bpw H∂m-¥cw BkvXn ta∑bpw amt\-Pvsa‚ vssh -hhpw F®vUn-F vkn _m¶ns\ hn]-Wn-bnse G‰hpw aqey-h-Ømb Hml-cn-I-fn-sem-∂m°n am‰p-∂p. em`£aXm A\p-]m-X-ß-fn¬ XpS¿∂pw anIhv ]pe¿Øm≥ _m¶n\v km[n-°p-sa-∂mWv ]Xo-£n-°p-∂-Xv.

-_-PmPv ^n\m≥kvD]-t`mKw sa®-s∏-Sp-tºmƒ Snhnbpw d^nPtd‰dpw hmjnwKv sajo\pw t]mep≈ hoSpIfnte°v Bhiyamb D]IcWßfpsSUnam‚ v Dbcpw. CØcw D¬∏∂ßƒ hmßp∂Xn\v Xmgv∂ hcpam\°m¿°v hmbv]IqSn Bhiyambn hcpsa∂Xn\m¬ I¨kyqa¿ n\m≥kv cwKØv ]h¿Øn°p∂_PmPv n\m≥kv t]mep≈ Iº\nIfpsS_nkn\kv sa®s∏Sm≥ km[yXbp≠v.

apØq‰v ^n\m≥kvC¥y-bnse G‰hpw henb kz¿W hmbv]mIº-\nbmb apØq‰v n\m≥kv kz¿W-hmbv] IqSmsX \qX\ D¬∏-∂-ßƒ ]pd-Øn-d-°m≥ ]tXyIw i≤n-°p-∂p. `h\ hmbv], hml\ hmbv] XpS-ßnb tkh-\-ßfpw Iº\n \¬Ip-∂p. kz¿W hne h¿[\apØq‰v n\m≥kv Dƒs∏sSbp≈ kz¿Whmbv]m ÿm]\ßƒ XpS¿∂pw anI®em` hf¿® t\Sm≥ hgn-sbm-cp-°n-t-b°pw.

]h¿KnUvDu¿P ]kcW cwKsØ ]apJ Iº-\n-bmWv ]h¿KnUv tIm¿∏-td-j≥. ASn-ÿm\ kuIcy cwKØv `mhn-bn¬ D≠m-Im-\n-cn-°p∂ IpXn-®p-Nm- -Øn¬ Hcp ][m\ ]¶vhln-°p-∂Xv ]h¿KnUv tIm¿∏-td-j≥Bbn-cn-°pw.



kºZvhy-hÿbn¬ \S°p-∂Xv

Hcp ip≤o-I-cW ]InbCt∏mgsØ L -Øn¬ [\-Øns‚ sNehv A¬∏w IqSn Ipd-bm≥ km[y-X-bp-≠v. ]t£ AXns‚

bYm¿∞ KpWw kº-Zvhy-h-ÿbv°v e`y-am-Im≥ A¬∏w IqSn ka-b-sa-Sp-°pw.

kmº-ØnI ]Xn-k-‘nsb Ipdn-®p≈N¿®-I-fmWv am[y-a-ß-fn¬ \nd-™p-\n¬°p-∂-Xv. Aip-`m]vXn hnizm-kn-bm-bn-cn-°pI F∂Xv Hcp ^mj≥ t]mse BbnXo¿∂n-cn-°p-∂p. AtX kabw amµy-Øns‚ \n¿h-N-\-ßƒ D≤-cn®v ChnsS HcpIpg-∏-hp-an-s√∂ AanX ip`m]vXn hnizmkØns‚ ]Nm-c-Icmbn ]h¿Øn-°p-∂-hcpwIpd-h-√. CXn-\n-S-bn¬ Fhn-sS-bmWv bmYm¿ ∞y-Øns‚ \ne?

cmPyw kmº-ØnI ]Xn-k-‘n-bn-eq-sS-bmWv IS-∂p-t]m-Ip-∂-sX∂ Imcy-Øn-se-¶nepw X¿°w D≠m-Im-\n-S-bn-√. AXv kmt¶-XnI \n¿h-N\w A\p-k-cn®v amµy-amtWm AtXm as‰s¥¶n-ep-amtWm F∂ImcysØ Ipdn®v amXta X¿°Øn\v CS-ap-≈q. kmº-ØnI ]Xn-k-‘n-bp-s≠-¶n¬AXns‚ AXn-Po-h\w GXv coXn-bn¬ kw -hn-°-Ww, As√-¶n¬ kw -hn-°p-sa-∂-XmWv\ΩpsS ap∂n-ep≈ hnj-bw.

]Xn-k‘nbn¬ \n∂p≈ kº-Zvhy-hÿbpsS AXn-Po-h\w IS∂p t]mIp-∂Xvaq∂v L -ß-fn-eq-sS-bm-Wv. AXn¬ BZywkw`-hn-°p-∂Xv [\-Øns‚ sNehv Ipd-bp-I-bm-Wv. aq∂m-asØ L´w [\-Øns‚e`yX IqSp-I-bm-Wv. \man-t∏mƒ IS-∂p-t]m-Ip-∂Xv CXv c≠n-\p-an-S-bn-ep≈ c≠m-asØL -Øn-eq-sS-bm-Wv.

dnk¿hv _m¶v ]en-i-\n-c-°p-Iƒ XpS¿®-bmbn sh´n-Ip-d-®-tXmsS [\Øns‚sNehv KWy-ambn Ipd™p Ign-™p. IS-sa-Sp∏v kpK-a-ambn \S-Øm-\p≈ kml-Ncyw HcpßpI F∂ H∂m-asØ L´w \mw]n∂n´p Ign-™p.

Ct∏mgsØ L´-Øn¬ [\-Øns‚sNehv A¬∏w IqSn Ipd-bm≥ km[y-X-bp-≠v. ]t£ AXns‚ bYm¿∞ KpWwkº-Zvhy-h-ÿbv°v e`y-am-Im≥ A¬∏wIqSn ka-b-sa-Sp-°pw. Cu L´-Øn-emWvkº-Zvhy-h-ÿ-bn¬ Bfl-hn-izmkw ]Xps° i‡n-s∏-Sp-∂-Xv. kº-Zvhy-hÿ IcIb-dp-∂Xns‚ e£-W-ßƒ ]I-Sn-∏n-°p-Ibm-sW∂ t_m[yw hcp-∂-tXmsS aq∂m-asØ L´-Øn-te°v IS-°pw. Cu L´-Øn¬ \nt£]w \S-Øm\pw AXn\p th≠ aqe-[\w hn]-Wn-bn-se-Øn-°m\pw aqe-[\ i‡n-°ƒ°v IqSp-X¬ Bfl-hn-izm-k-ap-≠m-Ipw. Ipd™ sNe-hn¬ IS-sa-Sp-

°m\pw AXv aSn IqSmsX \¬Im\pap≈A¥-co£w Cu L -Øn¬ kwPm-X-am-Ipw.

2008se ]Xn-k‘n Hcp _nkn-\kv NI-Øns‚ XpS¿®-bm-bn-cp-∂p. km[m-c -W-a-√mØ hf¿®°ptijw kw`-hn®Xf¿®-bpsSNI-am -b n -

ÿsb _m[n® æm\-X-bm-bn-cp∂p ]iv\-sa-¶n¬ Nne _nkn-\-kp-I-ƒ Aen™n √m-Xm-Ip-∂Xp t]mep≈ ImgvN-bmWv \man-t∏mƒ ImWp-∂Xv. Cu ]In-b-bn¬ AXn-Po-h\ tijn-bp≈ Iº-\n-Iƒ amXta \ne-\n¬°p-I-bp-≈q.

]e tIm¿∏-td‰v Kq∏p-Ifpw Xs∂ C√m-Xm-Ip-∂-Xns‚ sXm´-Sp-sØØn \n¬°p-Ibm-Wv. IS-s°-Wnbpw [\-Zu¿e- yhpw Ahsb XI¿Øp If-™p. C\n-sbmcp Ic-I-b‰w Akm-[y-am-sW∂ kqN\ \¬In-sIm≠v kp]-[m-\-amb BkvXn-Iƒ hn‰-gn®v IS-s°-Wn-bn¬ \n∂v ap‡-am-Im≥ ian-°p-I-bmWv ]e Iº-\n-I-fpw. H∏w kmt¶-Xn-I-amb "Unkvd-]vj'\pw kw`-hn-°p-∂p.kmt¶XnI hnZy-bnse am‰w _nkn-\kv tamU-ep-Isf am‰n-∏-Wn-bm≥ Iº-\n-Isf t]cn-∏n-°p-∂p. Cu ip≤o-I-cW ]In-b-bn¬anI-®Xv amXw A

Economy Watch

2008¬ kº-Zvhy-h-ÿsbBI-am\w _m[n® æm\-X-bm-bn-cp∂p ]iv\-sa-¶n¬ \man-t∏mƒ ImWp-∂Xv Nne _nkn-\-kp-I-ƒ Aen™n√m-Xm-Ip-∂Xp t]mep≈ ImgvN-bmWv.Cu ip≤o-I-cW ]In-b-bn¬ AXn-Po-h\ tijn-bp≈Iº-\n-Iƒ amXta \ne-\n¬°p-I-bp-≈q.

cp∂pAXv. BXf¿®sb Xm≠n-b-t∏mƒ an°-hmdpw F√m Iº-\n-Ifpw amµy-Øn¬ \n∂v ap‡-am-bn. F∂m¬ 2018¬ Bcw-`n® ]Xn-k‘nXo¿Øpw hyXy-kvX-am-Wv.

\mw IS-∂p-t]m-Ip-∂ ÿnXn-hn-tijwHcp ip≤o-I-cW ]Inb BsW∂v ]d-tb≠n hcpw. 2008¬ samØw kº-Zvhy-h-

Xn-Po-hn-°pw. km º-ØnI Btcm-Ky-an-√mØ Iº-\n-I-fpsS timjWw A\n-hm-cy-am-Wv. bYm¿∞-Øn¬ Cu]Inb kº-Zvhy-h-ÿbv°v Zo¿L-Im-em-Sn-ÿm-\-Øn¬ KpW-I-c-am-Wv.



"hnh-c-tZmjn' Bcv?

Swt]m ]htem?sUmWmƒUv Sw]v "hnh-c-tZmjn' F∂v hnti-jn-∏n-®Xv At±lw Xs∂ Gsd Xm¬∏-cy-sa-SpØv sÛ-d¬

dnk¿hns‚ Xe-∏Øv sIm≠ph∂ sPtdmw ]h-en-s\-bmWv F∂-XmWv IuXp-I-I-cw.

Xs‚ cmPysØ sk≥S¬ _m¶n\pw AXns‚ sNb¿am\pw ss[cytam hnh-ctamho£-Wtam Cs√∂v Hcp ]kn-U‚ v ]d-bp-∂Xv tIƒ°p-tºmƒ Xo¿Øpw hnNn-X-ambn tXm∂mw. bpF-kns‚ sk≥S¬ _m¶mb sÛ-d¬ dnk¿hv ]eni \nc°v Ipd-bv°p-∂Xp kw_-‘n®v ]Jym-]\w \S-Øn-b-t∏mgmWv ]kn-U‚ v sUmWmƒUv Sw]vsk≥S¬ _m¶n-\pw sNb¿am≥ sPtdmw]h-en-\p-sa-Xnsc iImc hm°p-Iƒ ]tbm-Kn-®-Xv. Sw]v "hnh-c-tZmjn' F∂v hnti-jn-∏n-®Xv ap≥ sNb¿t]-gvk¨ Pm\‰v sbe\vc≠m-a-sXmcp Dugw \¬ImsX At±lwXs∂ Gsd Xm¬∏-cy-sa-SpØv sÛ-d¬dnk¿hns‚ Xe-∏tØ°v sIm≠ph∂]h-en-s\-bmWv F∂-XmWv IuXp-I-I-cw.

2008\p tijw c≠m-asØ Xh-W-bmWvsÛ-d¬ dnk¿hv ]eni \nc°v Ipd-®-Xv.c≠v iX-am-\-Øn¬ \n∂pw 1.75 iX-am-\-ambn\nc°v Ipd-®Xv Xo¿Øpw A]-cym-]vX-am-sW-∂mWv Sw]ns‚ \ne-]m-Sv. ]eni \nc°v]qPytam AXn¬ Xmsgtbm Bbn Ipd-®p-sIm≠p hc-W-sa-∂mWv Sw]v Bh-iy-s∏-Sp-∂-Xv. sXmgn-en-√mbvam \nc°v bpF-kns‚Ncn-X-Ønse G‰hpw Ipd™ \ne-hm-c-Øn-se-ØpIbpw PnUn]n hf¿® c≠v iX-am-\-Øn¬ XpS-cp-Ibpw sNøp∂ kml-N-cy-Øn¬ ]eni \nc°v ]qPytam AXn¬ Xmsgtbm Bbn Ipd-bv°p-I-sb-∂Xv [\-X-Xz-im-kvX-Øns‚ ASn-ÿm-\-XXzßƒ°v \nc-°m-Ø-Xm-sW-¶nepw Sw]v Cu Bhiyw \nc-¥cw Bh¿Øn-°p-Ibpw AXns‚ t]cn¬sÛ-d¬ dnk¿hns\ Bt£-]n-°p-IbpwsNøp-∂-Xn\v ]n∂n¬ Nne Imc-Wßfp-≠v.

hym]m-c-bp-≤sØ t\cn-Sm≥hnhn[ cmPy-ß-ƒ Ah-ew-_n-°p∂ X¥-Øn\v Xncn-®-Sn-\¬Im\mbn tUmf-dns‚aqeyw Ipd-bv°p-I-bmWv Sw]ns‚ e£yw. F∂m¬ sÛd¬ dnk¿hv Id≥kn bp≤-Øn¬ X\n°v ]n¥pW \¬ImØ-Xns‚ C—m- w-K-amWv Sw]ns‚ hm°p-I-fnep≈-Xv.

\nc°v Ipd®v [\-Øns‚ sNehv Ipd-bv°p-∂-Xn-eqsS [\-e-`yX sa®-s∏-Sp-Øp-∂Xv P\-ß-fpsS D]-t`mKw h¿[n-°m≥ Imc-W-am-IpIbpw hf¿® sa®-s∏-Sp-Ibpw sNøpw. CXv ASpØ bpFkv ]kn-U‚ v Xnc-s™-Sp-∏n¬ c≠mw h´hpw Pbn-°m≥ hgn-sbm-cp-°p-sa-∂-XmWv Sw]ns‚ Hcp e£yw.]eni \nc°v Ipd-bv°p∂Xv F√m-bvt∏mgpwId≥kn-bpsS aqeyw CSn-bp-∂-Xn-\mWv hgn-sh-°p-∂-Xv. tUmf-dns‚ aqeyw Ipd-bp-∂XvIb-‰p-aXn hcp-am\w h¿[n-∏n-°m\pw hym]m-c-bp-≤-Øn¬ ta¬ss° t\Sm\pw bpF-kn\v klm-b-I-am-Ipw.

Sw]v Cd-°p-aXn Xocph IpØs\ Db¿Øn hym]m-c-bp-≤-Øn\v Xncn-sIm-fp-Øn-b-Xn\p tijw Xß-fpsS Id≥kn-bpsS aqeyw Ipd-®mWv ssN\ Dƒs∏-sS-bp≈ cmPy-ßƒ ]pXnb kml-N-cysØ t\cn- -Xv. ssN\bpw Xocph Db¿Øn-sb-¶nepw A¿hym]m-c bp≤sØ t\cn-Sm≥ e-]-Z-ambnImWp∂ am¿Kw bphms‚ aqey-tim-j-W-am-Wv. Xocph C\-Øn-ep-≠m-Ip∂ \jvSwbphms‚ aqey-tNm¿® aqew Ib-‰p-a-Xn°ve`n-°p∂ A[nI hcp-am-\-Øn-eqsS \nI-Ømw. bqtdm-]y≥ cmPy-ßfpw Cu coXn Xs∂-bmWv hym]mc bp≤sØ t\cn-Sm≥ A

h-ew-_n-°p-∂-Xv. adp-`m-KØv tUmf-dns‚aqeyw Db¿∂p-sIm-≠n-cn-°p-∂p. CXv aqewbpF-kns‚ Ib-‰p-aXn hcp-am\w Ipd-bp-I-bmWv sNbvX-Xv.

temI-Ønse hnhn[ sk≥S¬ _m¶p-Iƒ Ct∏mƒ \S-Øp-∂Xv td‰v amt\-Pvsa‚n-ep-]cn Id≥kn amt\-Pvsa‚m-Wv. Xß-fpsSId≥knbpsS aqeyw Ipd®v hym]m-c-bp-≤sØ t\cn-SpI F∂ hnhn[ cmPy-ß-fpsSX¥-Øn\v Xncn-®-Sn- \¬Im≥ tUmf-dns‚aqeyw Ipd-bv°p-I-bmWv Sw]ns‚ e£yw.AXn-\mWv ]eni \nc°v ]qPytam AXn\vXmsgtbm Bbn Ipd-bv°-W-sa∂v Sw]v Bh-iy-s∏-Sp-∂-Xv. \ne-hn¬ P¿a\n t]mep≈cmPy-ß-fn¬ \nc°v ]qPy-Øn\p Xmsg-bm-Wv. Cu \ne-hm-c-Øn¬ bpF-kv tUmf¿FØn-bm¬ Ib-‰p-aXn hcp-am\w KWy-ambnDb¿Øm\pw hym]m-c-bp-≤-Øn¬ ta¬ss° t\Sm\pw km[n-°p-sa∂ IW-°p-Iq-´-emWv sÛ-d¬ dnk¿hns\-Xnsc i‡-amb \ne-]mSv kzoI-cn-°m≥ Sw]ns\ t]cn-∏n-°p-∂-Xv. Xm≥ ]tXyI Xm¬∏-cy-sa-SpØvsIm≠p-h∂ sÛd¬ dnk¿hv sNb¿am≥Id≥kn bp≤-Øn¬ X\n°v ]n¥pW \¬Ip-∂n-s√∂ C—m- w-K-amWv Sw]ns‚ hm°p-I-fn¬ \ng-en-°p-∂-Xv.


Economy Watch

bpFkv ]kn-U‚ v sUmWmƒUv Sw]pw sÛv dnk¿hv sNb¿am≥ sPtdmw ]hepw


FÆ hne Db-cp-∂-Xn¬

kuZn-°p-ap≠v t]Sn\hw-_-tdmsS ]Xn-Zn\ FÆ D¬∏m-Z\w ho≠pw 120 e£w _mc-embn Db¿Øp-sa-∂mWv kuZn Atd_y

]d-bp-∂-Xv. hne ]nSn-®p-\n¿ØpI kuZn Atd-_y-bpsS IqSn Bh-iy-am-bXp sIm≠mWv AXv.

kuZn Atd-_y-bnse G‰hpw henbFÆ Iº-\n-bmb AcmwtImbpsS tIµ-Øn-ep-≠mb tUm¨ BI-aWw IqUv Hmbn¬hne IpXn-®p-b-cp-∂-Xn-\mWv hgn-sh-®-Xv.temI-Ønse IqUv Hmbn¬ D¬∏mZ\Øns‚ ]Øv iX-am\w kw`m-h\ sNøp∂kuZn Atd-_y-bvs°-Xn-cmb BI-aWwFÆ D¬∏m-Z-\-Øn¬ KWy-amb Ipd-hp-≠m-°p-sa∂ Bi-¶-bmWv IqUv Hmbn¬ hneIpXn®pb-cm≥ Imc-W-am-b-Xv. sk]v‰w-_¿BZyhm-c-Øn¬ _mc-en\v 59 tUmf-dn\v Xmsg-bm-bn-cp∂ IqUv hne-bmWv 70 tUmf-dn\vapI-fn-te°v IpXn-®p-b-cp-Ibpw ]n∂oSv 65tUmf¿ \ne-hm-c-Øn¬ ÿnc-X-bm¿Pn-°p-Ibpw sNbvX-Xv.

tUm¨ BI-aWw kuZn Atd-_y-bpsS FÆ D¬∏m-Z\w ]Ip-Xn-tbmfw Ipd-bm≥ Imc-W-am-bn. FÆ D¬∏m-Z-\-Øn¬]Xn-Zn\w 57 e£w _mc-ens‚ Ipdhm-hp-≠m-b-Xv. CXv temI-Ønse samØw IqUvHmbn¬ D¬∏m-Z-\-Øns‚ A©v iX-am\whcpw.

FÆ D¬∏m-Z-\-Øn-ep-≠m-Ip∂ Ipdhvaqew IqUv Hmbn¬ hne \qdv tUmf-dn-te°v

Db-cm-\p≈ km[y-X-bmWv \ne-\n¬°p-∂-Xv. Bh-iy-amb- IqUv Hmbnens‚ 80 iX-am-\hpw Cd°paXn sNøp∂ C¥ysb]Xn-Iq-e-ambn _m[n-°p∂ LSI-amWvIqUv Hmbn¬ hne-bnse Db¿®. IqUvHmbn¬ hne-bnse IpXn∏v aqew cmPysØC‘\ hne Db¿∂m¬ AXv ]W-s∏-cp∏wh¿[n-°p-∂-Xn\v hgn-sh-t®°mw. IqUv Hmbn-

kuZn Atd_y Dƒs∏-sS-bp≈ FÆ D¬∏m-ZI cmPy-ßƒ FÆ hne 70 tUmf-dn\vapI-fnte°v Db-cm≥ Xm¬∏-cy-s∏-Sp-∂n-√. sjbn¬ KymkvD¬∏m-Z\w h¿[n-°p-∂-Xn\pw Ce-IvSnIv hml-\-ß-fpsS hn]Wn hn]p-e-am-Ip-∂-Xn\pw FÆ hnebnse h¿[\ Imc-W-am-Ipw.

Economy Watch

ens‚ hne _mc-en\v 10 tUmf¿ Db-cp-tºmƒC¥y-bpsS Id‚ v A°u≠v IΩn 0.4˛0.50iX-am-\w h¿[n-°p-sa-∂mWv hnZ-Kv[¿ Nq≠n-°m-´p-∂-Xv. s_‚ v IqUns‚ hne-bn¬Hmtcm tUmf¿ Db-cp-tºmgpw C¥y-bpsSFÆ Cd-°p-aXn sNe-hn-ep-≠m-Ip∂ h¿[\ 200 tImSn tUmf-dm-bmWv IW-°m-°p--∂Xv. Ign™ kmº-ØnI h¿jw C¥y11,190 tImSn tUmf-dmWv FÆ Cd-°p-a-Xn-°mbn sNe-h-gn-®-Xv.

km[m-cW \ne-bn¬ IqUv Hmbn¬hnebpw BtKmf kmºØnI hf¿®bpwXΩn¬ _‘-ap-≠v. kmº-ØnI hf¿®t\Sp∂ L -ß-fn-¬ IqUv Hmbn¬ hne-bn¬ i‡-amb apt∂-‰-ap-≠m-Im-dp-≠v. BtKmf Unam‚ v h¿[n-°p-∂Xv IqUv Hmbn¬ hneDb¿Øpw. AXp-t]mse amµy Ime-ß-fn¬FÆ hne Ipd-bp-I-bmWv sNøp-I. \ne-hn¬ BtKmf Xe-Øn¬ kmº-ØnI amµyw\ne-\n¬°p-tºmƒ IqUv Hmbn¬ hne Db-cp-∂Xv BtKmf kº-Zvhy-h-ÿsb Xo¿ØpwtZmj-I-c-ambn _m[n-°pw.

kuZn Atd_y Dƒs∏-sS-bp≈ FÆD¬∏m-ZI cmPy-ßfpw FÆ hne _mc-en\v70 tUmf-dn\v apI-fn¬ Db-cm≥ Xm¬∏-cy-s∏-Sp-∂n-√. sjbn¬ Kymkv D¬∏m-Z\wh¿[n-°p-∂-Xn\pw Ce-IvSnIv hml-\-ß-fpsShn]Wn hn]p-e-amIp-∂-Xn\pw FÆ hnebnse h¿[\ Imc-W-am-Ipw. temIw apgp-h≥_Z¬ C‘\ am¿K-ß-fn-te°v Xncn-bp∂Xn\v Xncn-sIm-fp-Øp-I-bm-bn-cn°pwCØ-c-samcp ÿnXn-hn-tijw. AtXmsSFÆ D¬∏mZI cmPy-ßfpsS _nkn-\-kns‚ Xmfw sX‰pw. AXp-sIm≠mWv kuZnAtd_y Dƒs∏-sS-bp≈ FÆ D¬∏mZIcmPy-ßƒ Xß-fpsS _nkn-\kv ÿnc-X-tbmsS \ne-\n¬°m≥ hne 70 tUmf-dn\vXmsg \n¬°p∂-XmWv \√-sX∂v Xm¬∏-cy-s∏-Sp-∂-Xv.

\hw-_-tdmsS ]Xn-Zn\ FÆ D¬∏m-Z\who≠pw 120 e£w _mc-embn Db¿Øp-sa-∂mWv kuZn Atd_y ]d-bp-∂-Xv. hne]nSn-®p-\n¿ØpI kuZn Atd-_y-bpsS IqSnBh-iy-am-bXp sIm≠mWv AXv. AtXkabw Cdm≥ t]mep≈ cmPy-ßƒ lkz-Im-e-Øn-\p-≈n-ep-≠m-Ip∂ IqUv Hmbn¬hne h¿[-\-bn¬ \n∂pw t\´-ap-≠m-°m\mWv Xm¬∏-cy-s∏-Sp-∂-Xv.



kacw aqew apØq‰v imJ-Iƒ

]q- nbm¬ F¥p-kw- -hn°pw?kacw \S-°p∂ imJ-Iƒ AS-®p-]q-´n-bm¬ apØq-‰ns‚ em`-£-a-Xbv°v \n m-c-amb t]md¬ amXta

D≠m-IpI-bp≈q. Iº-\n-bpsS ]h¿Ø\ sNehv Ipd-bp-Ibpw sNøpw.

tIc-f-Ønse apØq‰v n\m≥kns‚ imJ-I-fn¬ knsF-Sn-bp-hns‚ t\Xr-Xz-Øn¬\S-°p∂ kacw Ipsd \mfp-I-fmbn am[yahm¿ØI-fn¬ \nd-bp-I-bm-Wv. HmKÃv 20\vBcw-`n® A\n-›nX Ime kacw aqew apØq-‰ns‚ tIc-f-Ønse 623 imJ-I-fn¬ ]Ip-Xnbpw AS-™p-In-S-°pIbm-Wv. ]t£ apØq-‰n\v G‰hpw IqSp-X¬ imJ-I-fp≈ tIc-f-Ønse ]h¿Ø-\sØ _m[n-°p∂ kacw Hmlcn hn]-Wn-bnse ]I-S-\sØ Imcy-ambn _m[n-®n- n-√. CsX-¥p-sIm-≠mWv?

tIc-f-Ønse imJ-I-fnse kacw Iº-\n-bpsS kmº-ØnI \nesb Imcy-ambn_m[n-°p-∂n-s√-∂Xp Xs∂-bmWv Imc-Ww.ap∂q-dn-tesd imJ-I-fn¬ \S-°p∂ kacwIº-\n-bpsS em -£-a-Xbv°v Imcy-amb tIm´w hcpØp∂ns√-∂-XmWv bmYm¿∞yw.

tIcfw Bÿm-\-ambn ]h¿Øn-°p∂Iº-\n°v kwÿm-\Øv hn]p-eamb imJm-irw-J-e-bm-Wp-≈-Xv. AtX kabw samØw_nkn-\-kns‚ \mev iX-am\w amX-amWvtIc-f-Øn¬ \n∂p≈Xv. Iº-\n-bpsS samØw em -Øn¬ tIc-f-Øn¬ \n∂p≈ imJ-I-fpsS kw`m-h\ tIhew Hcp iX-am-\-am-Wv. AXm-bXv tIc-f-Ønse kacw \S-°p∂ apgp-h≥ imJ-Ifpw (tI-c-f-Ønse AºXv iX-am\w imJ-I-fn-emWv kacw \S-°p-∂-Xv) AS-®p-]q- n-bm¬ t]mepw Iº-\n-bpsSem`-£a-Xbnep-≠m-°p∂ ]XymLmXw\n m-c-am-bn-cn-°pw.

Iº-\n-bpsS samØw imJ--I-fn¬ 14 iX-am-\hpw ]h¿Øn-°p-∂Xv tIc-f-Øn-em-Wv.Iº-\n-bpsS Poh-\-°m-cn¬ 13 iX-am-\hpwtIc-f-Øn¬ \n∂p-≈-h-cm-Wv. GI-tZiw3200 Poh-\-°m-cmWv tIc-f-Ønse imJ-I-fn¬ ]h¿Øn-°p-∂-Xv. 1600 tImSn cq]-bmWv tIc-f-Øn¬ \n∂p≈ _nkn-\kv. AtXkabw cmPysØ samØw _nkn-\kv GI-tZiw 35,000 tImSn cq]-bm-Wv. Ign™ h¿jw 1972 tImSn cq] em`w ssIh-cn® Iº-\n°v tIc-f-Øn¬ \n∂v e`n® em`w GI-tZiw 20 tImSn cq] amX-am-Wv. 632 imJ-I-fn¬ \n∂p≈ samØw em`-amWv Cu 20tImSn cq].

kacw \S-°p∂ AºXv iX-am\w imJ-Iƒ AS-®p-]q- n-bm¬ em -£-a-Xsb \n m-c-ambn amXta _m[n-°p-I-bp-≈q-sh∂vamX-a-√, Iº-\n-bpsS ]h¿Ø\ sNehv

Cover StoryMarket Trends

Ipd-bp-Ibpw sNøpw. _me≥kvjo-‰n¬ dnt´¨ Hm¨ Ak‰v t]mep≈ D¬∏m-Z\£aXm A\p-]m-X-ßƒ sa®-s∏-Spw. imJ-IƒAS-®p-]q- n-bXp aqew _nkn-\-knepw hcp-am-\-Øn-ep-ap-≠m-Ip∂ Ipdhv ]h¿Ø\sNehv Ipd-bp-∂-Xn-eqsS \nI-Øm-\m-Ipw.

A\n›nX thfIfnse kpc£nX \nt£] am¿Ksa∂ \nebn¬ kz¿WØn

apØq-‰ns‚ imJ-I-fn¬ 14iX-am-\hpw ]h¿Øn-°p-∂Xv tIc-f-Øn-em-sW¶nepwsamØw _nkn-\-kns‚ \meviX-am\w amX-amWv tIc-f-Øn¬ \n∂v e`n-°p-∂-Xv.apØq-‰ns‚ samØw em -Øn¬ tIc-f-Ønse imJ-I-fpsS kw`m-h\ tIhew HcpiX-am-\-am-Wv.

\p≈ hne h¿[n°ptºmƒ apØq‰v n\m≥kv Dƒs∏sSbp ≈ kz¿W hmbv]m ÿm]\ßƒ XpS¿∂pw anI® hmbv]m hf¿®bpw em`hf¿®bpw \ne-\n¿Øm-\mWv km[yX.

2008 apX¬ 2013 hsc kz¿W hne IpXn®pb¿∂Xv BtKmf kºZvhyhÿbn¬\ne\n∂ A\n›nXXzw ImcWamWv. Bka-bØv apØq‰v ^n\m≥kv t]mep≈kz¿W hmbv]m ÿm]\ßƒ anI® _nkn-\kv hf¿®-bmWv ssIh-cn-®n-cp-∂-Xv.kam-\-amb A\p-Iqe kml-N-cy-amWvCt∏mƒ Iº-\nsb kw_-‘n-®p-≈-Xv. AXn-\nsS tIc-f-Ønse imJ-I-fn¬ \S-°p∂kacw t]mep≈ ]mtZ-inI ]iv\-ßƒIº-\n-bpsS samØw ]I-S-\sØ _m[n-°m-\p≈ km[yX Ipd-hm-Wv.

kz¿W hne-bnse Nm©m´w _nkn-\-kns\ _m[n-°m-Xn-cn-°m≥ hne-bpsS \n›nX iX-am\w amXw hmbv] \¬Ip∂coXn-bmWv Iº\n A\p-h¿Øn-°p-∂-Xv. hne Db¿∂-t∏mƒ Cu A\p-]mXw Ipd®vdnkvIv ]cn-an-X-s∏-SpØm\p≈ \o°-hpwIº\n \S-Ønbn-´p-≠v.


hn]-Wn-bnse

CSn-hn¬

F¬-sF-kn°pw

ssIs]m≈nF¬-sF-kn-bpsS t]m¿Svt^m-fn-tbm-bn¬

350 Iº-\n-I-fpsS Hml-cn-I-fm-Wp-≈-Xv.

Cu h¿jw 86 iX-am\w apX¬ 97

iX-am\w hsc CSnhv t\cn´

Hml-cn-Iƒ F¬-sF-kn-bpsS

t]m¿Svt^m-fn-tbm-bnep≠v.

C¥y-bnse G‰hpw henb \nt£]ÿm]-\-amb sse v C≥jp-d≥kv tIm¿∏-td-j≥ (F¬-sF-kn) \S-Øn-bn-cn-°p∂Hmlcn \nt£]w hn]-Wn-bnse hn¬∏\kΩ¿ZsØ XpS¿∂v i‡-amb aqey-X-I¿®t\cn-Sp∂p. F¬-sF-kn-bpsS t]m¿Svt^m-fn-tbm-bnse 80 iX-am\w Hml-cn-Ifpw Cuh¿jw \jvSw tcJ-s∏-Sp-Øp-I-bmWv sNbvX-Xv. jn]v_n¬Un-Mv, ^q´vshb¿, ^m¿a,sFSn, kna‚ v, sIan-°¬kv XpS-ßnbGXm\pw taJ-e-Ifnse \nt£]w amX-amWvem -I-c-ambn \ne-\n¬°p-∂-Xv.

F¬-sF-kn-bpsS t]m¿Svt^m-fn-tbm-bnseCu h¿jw G‰hpw Db¿∂ em -ap-≠m-°nbHmlcn Km¿U≥ do®v jn]v_n¬UnMv &F≥Pn-\o-tbgvkv BWv. Cu Hmlcn Cuh¿jw P\p-hcn H∂n\p tijw 65 iX-am-\-amWv Db¿∂-Xv.

_m‰ C¥y, t]mIvS¿ & Kymw_vƒ sl¬Øv, slbvZ¬_¿Kv kna‚ v, KpP-dmØvtÃ‰v s]tSm-s\-‰v, ]nUn-en‰v C‚-kvSo-kv,Cµ-]ÿ Kymkv, cmtPjv FIvkvt]m¿Svkv,C≥t^m-kn-kv, sskUUv sh¬s\kv XpS-ßn-b-h-bmWv Cu h¿jw t\ -ap-≠m-°nbF¬-sF-kn-bpsS t]m¿Svt^m-fn-tbm-bnse a‰vHml-cn-Iƒ. AtX kabw dne-b≥kv Iayq-Wn-t°-j≥kv, tImIvkv & InMvkv, dne-b≥kv \mh¬, dne-b≥kv C≥ m-kvS-IvN¿,_¬dmw-]q¿ C‚-kvSo-kv, dne-b≥kv tlmw^n\m≥kv, sP‰v Fb¿thbvkv XpS-ßnbIº-\n-Iƒ Cu h¿jw i‡-amb CSnhvt\cn´p. 86 iX-am\w apX¬ 97 iX-am\whsc CSnhv t\cn´ Hml-cn-Iƒ t]m¿Svt^m-fn-tbm-bn¬ I\Ø hn≈¬ hogvØn. F¬-sF-kn-bpsS t]m¿Svt^m-fn-tbm-bn¬ 350 Iº-\n-I-fpsS Hml-cn-I-fm-Wp-≈-Xv.

Hml-cn -I-fpsS Xnc-s™-Sp-∏nsehogvN aqew kºØnse tNm¿®t\cn-Sp-∂- \nt£-] ÿm]-\-ß-fn¬ C¥y-bnse G‰hpw henb sse v sse v C≥jp-d≥kv Iº-\n-bmb F¬-sFkn IqSn-bp-≠v. I-S-s°-Wn- ]cn-l-cn-°m-\m-ImsX -]-Xn-k‘n t\cn-Sp∂ ]e Iº-\n-I-fnepw C¥y-bnse G‰hpw henb \nt£] ÿm]\amb F¬-sF-kn°v KWy-amb \nt£-]-ap-≠v.

t]m¿Svt^m-fntbm cq]-s∏-Sp-Øp-∂-Xn¬kmº-Zm-bn-I-amb coXn ]n¥p-S-cp-Ibpw AanX dnkvIv Hgn-hm-°p∂ \nt£-]-ssien

-C-¥y-bnse G‰hpw h-enb\nt£] ÿm]-\-amb F¬-sF-kn \S-Øn-bn-cn-°p∂Hmlcn \nt£]w i‡-ambaqey-X-I¿® t\cn-Sp∂p. F¬-sF-kn-bpsS t]m¿Svt^m-fn-tbm-bn¬ Dƒs∏´ 80 iX-am\w Hml-cn-Ifpw Cu h¿jw\jvSw tcJ-s∏-Sp-Øp-I-bmWvsNbvX-Xv.

kzoI-cn-°p-Ibpw sNøp-∂p-sh∂v Ah-Im-i-s∏-Sp∂F¬-sFkn tIm¿∏-td‰v `cW \ne-hm-c-Øn¬ ]nt∂m°w \n¬°p∂ I º-\n-I-fn¬DZm-c-amb \nt£-]-amWv \S-Øn-bn-cn-°p-∂-Xv.

t\csØ k¿°m-cns‚ kΩ¿Zw aqews]mXp-ta-Jem Hml-cn-I-fp-sSbpw a‰pw"Hm^¿ t^m¿ skbn¬' hnP-bn-∏n-°m≥F¬-sFkn Hml-cn-Iƒ hmßp-∂Xv km[m-c-W-am-bn-cp-∂p. F¬-sFkn s]mXp-ta-JemHml-cn-I-fn¬ \S-Ønb ]e \nt£-]hpw\jvS-Øn-\mWv hgn-sbm-cp-°n-b-Xv. AtXkabw anI® Iº-\n-I-fpsS Xnc-s™-Sp∏vadp- m-KØv \S-Øm\pw F¬-sF-kn°v Ign-bm-dp-≠v.

F¬-sFkn ka¿∞-ambn BkvXnssIImcyw sNøp∂ ÿm]-\-ß-fn-sem-∂m-bmWv Adn-b-s∏-Sp-∂-Xv. hn]Wn Db-cp∂kµ¿ -ß-fn¬ kqNn-I-tb-°mƒ anI® t\´wD≠m-°m≥ F¬-sF-kn°v km[n-°m-dp-≠v.CSn-hp-I-fn¬ F¬-sF-kn-bpsS t]m¿Svt^m-fntbm ]Xntcm[ kz`mhw ImWn-°m-dp-s≠-¶nepw hn]-Wn-bn¬ ]e Hml-cn-I-fn-ep-ap-≠mb I\Ø aqey-X-I¿® F¬-sF-kn-sbbpw ]Xn-Iq-e-ambn _m[n-®p.


Market Trends



"tSm]v ss^hv ' F∂ anØv

ayqNz¬ ^≠p-Iƒ Xnc-s™-Sp-°p-tºmƒ Ign™ Hcp h¿jsØ "tSm]v ss^hv' F∂ am\-ZWvUw

Ah-ew-_n-°p-∂Xn¬ Ig-ºn-√. lkz-Im-esØ ^≠p-I-fpsS ]I-S-\sØ ASn-ÿm-\-am°n \nt£]w

\S-Øp-∂Xv anI® coXn-bm-sW∂v ]d-bm-\m-In-√.

G‰hpw anI® ]I-S\w \S-Øp∂ ≠p-Ifn¬ \nt£]w \S-Øm-\mWv s]mXpsh\nt£-]-I¿ Xm¬∏-cy-s∏-Sp-∂-Xv. Hcp h¿jØn-\nsS G‰hpw Db¿∂ t\´w \¬Inb^≠p-Iƒ Xnc-s™-SpØv \nt£-]n-°p∂]h-WX s]mXp-sh-bp-≠v. CXv Ht´sd ≠p-Iƒ t]m¿Svt^m-fn-tbm-bn¬ Dƒs∏-Sp-∂-Xn\vImc-W-am-Ip-∂p. Hmtcm h¿jhpw B h¿jwanI® t\´w \¬Inb SmIvkv tkhnwKv πm\p-Iƒ (C-F¬-F-kv-F-kp-Iƒ) Xnc-s™-SpØv\nt£-]n-°p-∂-h-cpsS t]m¿Svt^m-fn-tbm-bn¬]tØmfw ^≠p-Iƒ ÿm\w ]nSn-°p-∂ÿnXn D≠m-Im-dp-≠v.

F∂m¬ Hcp h¿jsØ anI® t\ -Øns‚ amXw ASn-ÿm-\-Øn¬ ≠p-Iƒ Xnc-s™-Sp-°p-∂-Xv Hcp icn-bmb coXn-b-√. Ign™ A©v h¿j Ime-b-f-hn¬ Hmtcm h¿jhpw G‰hpw anI® t\´w \¬Inb A©v^≠p-Iƒ°v AtX \ne-hmcw ASpØ h¿j-ß-fn¬ \ne-\n¿Øm≥ km[n-®n- n-s√∂vImWmw. DZm-l-c-W-Øn\v 2016¬ G‰hpw Db¿∂ t\´w \¬Inb aƒ´n-Im]v ≠v BZnXy _n¿f k¨sse v CIzn‰n ≠m-bn-cp-∂p. F∂m¬ Ign™ Hcp h¿ j-Øn-\nsS Db¿∂ t\´w\¬Inb ^≠p-I-fn¬ Cu kvIoan\v 32-˛mwÿm\wamX-

ta-bp-≈q. AXp-sIm-≠p-Xs∂ ayqNz¬ ≠p-Iƒ Xnc-s™-Sp-°p-tºmƒ Ign™ Hcph¿jsØ "tSm]v ss^hv' F∂ am\-ZWvUwAh-ew-_n-°p-∂Xn¬ Ig-ºn-√.

lkz-Im-esØ ^≠p-I-fpsS ]I-S-\sØ ASn-ÿm-\-am°n \nt£]w \S-Øp-∂Xv anI® coXn-bm-sW∂v ]d-bm-\m-In-√.Cu h¿jw anI® ]I-S\w \S-Ønb ≠n\v ASpØ h¿jhpw B anIhv XpS-cm≥km[n-°-W-sa-∂n-√. lkz-Im-esØ ]I-S\Øn\v ]Icw hnhn[ hn]Wn Imem-h-ÿ-I-fn¬ t`Z-s∏´ ]I-S\w ImgvN sh°p∂ ≠p-I-fmWv Xnc-s™-Sp-t°-≠-Xv. Zo¿L-Im-em-Sn-ÿm-\-Øn-ep≈ ]I-S\w ]cn-K-Wn®v^≠p-Iƒ Xnc-s™-Sp-°p-tºmƒ t]m¿Svt^m-fn -tbm-bnse kvIoap -I-fpsS F Æw\nßƒ°v ssIImcyw sNøm-hp∂ hn [wIpd-bv°m≥ km[n-°pw-.

sshhn-[y-h¬°-c-W-amWv A®-S-°-tØm-sS-bp≈ \nt£-]-Øns‚ Bflm-hv.dnkvIv Ipd-bv°m\pw Zo¿L-Ime t\´w Dd-∏p-h-cp-Øm\pw \nt£-]-Øn¬ sshhn-[y-h¬°-cWw IqSntb Xocq. CIzn‰n ≠p-I-

fn¬ \nt£]w \S-Øp-tºmƒ

Cu ASn-ÿm\ XXzw \nt£-]-I¿ Ft∏mgpw Hm¿Øn-cn-t°-≠-Xp-≠v.

Hcp ≠v \nt£-]n-°m-\mbn Xnc-s™-Sp-°p-tºmƒ B ^≠ns‚ ]I-S\ ÿnc-Xbpw Zo¿L-Im-em-Sn-ÿm-\-Øn-ep≈ t\ -Ønse anIhpamWv IW-°n-se-Sp-t°-≠Xv.Zo¿L-Ime ho£-W-tØm-sS-bmIpw ≠vamt\-P¿am¿ t]m¿Svt^m-fntbm ssIImcywsNøp-∂-Xv. AXp-sIm-≠p-Xs∂ GsX-¶nepwHml-cn-bpsStbm taJ-e-bp-sStbm hf¿®mkm[yX aßp-I-bm-sW-¶n¬ hn¬∏\ \S

Øn \nt£] A\p-]mXw Ipd-bv°m≥^≠v amt\-P¿am¿ Xbm-dm-sb-∂p-h

cpw. CXv ]I-S-\-Øn¬ ]n∂n-emb^≠v ho≠pw anIhv ImWn-°p-

∂-Xn\v hgn-sh-°mw.

AXp-sIm≠v Ign™Hcp h¿jsØ ]I-S-\-Øn¬ BZysØ A©vkvIoap-I-fn¬ Dƒs∏- n-´n√ F∂Xv Hcp ^≠ns‚ ]I-S\w tami-ambnF∂v hne-bn-cp-Øm-\p≈ Imc-W-a-√.

lkz-Im-em-Sn-ÿm-\-Øn¬ ]n∂n-te°vt]mb Hcp ^≠v Zo¿L-Im-em-Sn-ÿm-\-Øn¬anI® t\´w \¬Im≥km[y-X-bn-s√∂v A\p-am-

\n-°p-∂-Xn\pw ASn-ÿm-\-an-√.

Cu h¿jw anI® ]I-S\w\S-Ønb ^≠n\v ASpØh¿jhpw B anIhv XpS-cm≥km[n-°-W-sa-∂n-√. lkz-Im-esØ t\´w am\-Z-WvU-am-°msX hnhn[ hn]Wn Imem-h-ÿ-I-fn¬ t`Z-s∏´ ]I-S\w ImgvN sh°p∂ ^≠p-I-fmWv Xnc-s™-Sp-t°-≠-XvF∂ hkvXpX \nt£-]-I¿Hm¿Øn-cn-t°-≠-Xp-≠v.

Mutual Fund



kvtamƒIm]v

^≠p-I-fn¬

\nt£-]Øn\v

A-h-kcwlkz-Im-e-Øn-\p-≈n¬ t\´w e`n-°p-sa∂ ]Xo-£-tbmsS kvtamƒIm]v ^≠p-I-fn¬ \nt£-]n-°-cp-Xv.

aq∂v- -A©v h¿j Ime-b-f-hn¬ anI® t\´w e£y-am°n amXta CØcw ^≠p-Iƒ Xnc-s™-Sp-°m-hq.

""a‰p-≈-h¿ B¿Øn ImWn-°p-tºmƒBi-¶-s∏-Sp-I, a‰p-≈-h¿ Bi¶s∏Sp-tºmƒ Zpcm-K-ln-bm-hpI˛'' hmd≥ _^-‰ns‚ Cu hnJymX kq‡w ]n¥p-S-cp∂Hcmsf kw_-‘n®v CIzn‰n ^≠p-I-fn¬\nt£-]-Øn\v Xp\n-bp-I-bm-sW-¶n¬kvtamƒIm]v ≠p-I-fnep-≈Xv kph¿Wm-h-kcamsW∂v tXm∂m-hp-∂-Xm-Wv. Imc-Wwhn]-Wnsb ]nSn-Iq-Snb oXn aqew G‰hpwI\Ø Xncn-®Sn t\cn-´Xv kvtamƒIm]vHml-cn-Ifpw AXp-hgn kvtamƒ Im]v ≠p-I-fp-am-Wv.

Ign™ Hcp h¿j-Øn-\nsS kvtamƒIm]v ≠p-Iƒ icm-icn 10 iX-am\w CSn-hmWv t\cn- -Xv. Ign™ aq∂v amk-Øn-\nsSamXw Cu ^≠p-I-fn¬ A©v iX-am\wCSn-hp-≠m-bn. AtX kabw \n^v‰n Ign-™ Hcp h¿j-Øn-\nsS 0.35 iX-am\w t\ -amWv tcJ-s∏-Sp-Øn-bXv. s]mXpsh hn]WnCSn-bp-tºmƒ kvtamƒIm]v Hml-cn-I-fnembn-cn°pw G‰hpw i‡-amb hn¬∏\ kΩ¿Z-ap-≠m-hp-I. Ign™ Hcp h¿j-Øn-\nsSI≠Xpw AXp-X-s∂.

2018 P\p-h-cn°p tijw _nF-kvCkvtamƒIm]v kqNn-I-bn-ep-≠mb CSnhv 24iX-am-\-am-Wv. CXv hn]Wn hnImcw ]Xn-Iq-e-am-bXv aqew XI¿® t\cn´ anI®kvtamƒIm]v Hml-cn-I-fn¬ \nt£]w \S-Øm-\p≈ Ah-k-c-am-Wv krjvSn-®n-cn-°p-∂-sX-∂mWv ]e ^≠v amt\-P¿amcpw A`n-]m-b-s∏Sp-∂-Xv. Ign™ ssXam-k-ß-fn¬tami-a-√mØ ]h¿Ø\ ê-ßƒ ]pd-Øp-hn´ kvtamƒIm]v Iº-\n-Ifpw CSnhv

Mutual Fund

t\cn- n- p-≠v. CXv hn]-Wn-bnse ]Xn-IqeImem-hÿ aqew kw -hn-®-Xm-Wv.

_nF-kvC kvtamƒIm]v kqNn-I-bn¬Dƒs∏´ 83 iX-am\w Hml-cn-Ifpw Ign™H∂c h¿jsØ Db¿∂ hne-bn¬ \n∂pw30 iX-am-\-Øn-tesd CSnhv t\cn-ń-´p-≠v.kvtamƒIm]v kqNnI 30 iX-am-\-Øn-tesdCSn-™-t∏msgms° i‡-amb Ic-I-b-‰-ap-≠m-bn- p-s≠∂pw AXn\p tijw ASpØaq∂v h¿jw icm-icn 20 iX-am\w t\´w\¬In-bn-´p-s≠-∂p-amWv ap≥Ime A\p-`-h-ßƒ ImWn-°p-∂-Xv.

Hmlcn hn]Wnbn¬ s]mXpsh h≥InSHml-cn-I-fm-Wv sNdp-InS Hml-cn-I-tf-°mƒ

sNe-th-dnb \nebnseØm-dp-≈Xv. h≥InSHml-cn-Iƒ henb apt∂‰ km[yX C√mØ\ne-bn-¬ Aan-X-aq-ey-Øn-te°v Dbcp-tºm-gmWv Xmc-X-tay\ sNehv Ipd™ \ne-bn-ep≈ CS-Øcw, sNdp-InS Hml-cn-I-fn¬\nt£]IcpsS Xm¬∏cyw h¿[n-°p-IbpwChbn¬ apt∂-‰-ap-≠m-Ip-Ibpw sNøp-∂-Xv.Cu apt∂-‰-Øn¬ \n∂v t\´-ap-≠m-°m≥kvtamƒIm]v ≠p-Iƒ klm-b-I-am-Wv.

AtX kabw kvtamƒIm]v Iº-\n-I-fpsS hcp-am\Øn¬ DS≥ Xs∂ i‡-ambhf¿®-bp-≠m-Ip-sa∂v ]Xo-£n-°m-\m-In-√.AXp-sIm-≠p-Xs∂ lkz-Im-e-Øn-\p-≈n¬t\´w e`n-°p-sa∂ ]Xo-£-tbmsS kvtamƒIm]v ≠p-I-fn¬ \nt£-]n-°-cp-Xv. aq∂v- -A©v h¿j Ime-b-f-hn¬ anI® t\´we£y-am°n amXta CØcw ≠p-Iƒ Xnc-s™-Sp-°m-hq. kmº-ØnI NIw Xncn™p XpS-ßp-∂-Xns‚ kqN-\-Iƒ e`n°ptºmƒ amXta CØcw ^≠p-Iƒ t\´w\¬IpI-bp-≈q. knÃ-am-‰nIv C≥sh-Ãvsa‚ v πm≥ (F-kv-sF-]n) ]Im-cw \nt£]w\SØp∂-h¿°v CØcw Hml-cn-I-fn¬ CSnhv A¬∏-Imew IqSn \ne-\n¬°p-I-bm-sW-¶n¬ AXns‚ ]tbm-P\w IqSn e`n-°pw.

h≥In-S, CS-Ø-cw, sNdp-InS Hml-cn-I-fpsS Hcp aniWw t]m¿ vt^m-fn-tbm-bn¬Dd-∏p-h-cp-Øp-I-bmWv sNtø-≠-Xv. AXp-sIm-≠p-Xs∂ t]m¿´vt^m-fn-tbm-bpsS 20 iX-am-\-Øn¬ IqSp-X¬ kvtamƒIm]v ^≠p-I-fn¬ \nt£-]n-°cp-Xv. AXv Fkv-sF]n]Imcw sNøp-I-bm-sW-¶n¬ IqSp-X¬ e-]-Z-am-Ipw.

h≥In-S, CS-Ø-cw, sNdp-InSHml-cn-I-fpsS Hcp aniWwt]m¿ vt^m-fn-tbm-bn¬ Dd-∏p-h-cp-Øp-I-bmWv sNtø-≠-Xv.AXp-sIm-≠p-Xs∂ t]m¿ vt^m-fn-tbm-bpsS 20 iX-am-\-Øn¬ IqSp-X¬ kvtamƒIm]v ^≠p-I-fn¬ \nt£-]n-°cp-Xv. Fkv-sF]n ]Imcw\nt£-]n°p-I-bm-sW-¶n¬IqSp-X¬ ê-]-Z-am-Ipw.



em¿PvIm]v ^≠p-Iƒ C\n

]g-b-Xp-t]mse BIn√anUvIm-]v, kvtamƒIm]v Iº-\n-I-fn¬ 20 iX-am-\-Øn¬ IqSp-X¬ \nt£]w \S-Øm≥

em¿PvIm]v ^≠p-Iƒ°v A\phmZan-√.

hn]-Wn-aq-ey-Øns‚ ASn-ÿm-\-Øn¬ayqNz¬ ≠p-I-fpsS h¿Ko-I-cWw kw_-‘n®v skIyq-cn-‰okv B‚ v FIvkvtN©vt_m¿Uv Hm v C¥y (sk-_n) \n_-‘-\-Iƒ ]pd-s∏-Sp-hn-®-Xn\p tijw ≠v amt\-P¿am¿ ssIImcyw sNøp∂ em¿PvIm]v^≠p-I-fpsS ]k‡n Ipd-bp-∂-Xmbnhn]Wn hrØ-ßƒ Nq≠n-Im- p-∂p.

G‰hpw Db¿∂ hn]-Wn-aq-ey-ap≈ 100Iº-\n-IsfbmWv sk_n em¿PvIm]vHmlcn-I-fmbn h¿Ko-I-cn-®n-cn-°p-∂-Xv.em¿PvIm]v ≠p-Iƒ 80 iX-am\w \nt£-]hpw \S-tØ-≠Xv Cu \qdv Iº-\n-I-fn-em-bn-cn-°-Ww. anUvIm-]v, kvtamƒ Im]vIº-\n-I-fn¬ 20 iX-am-\-Øn¬ IqSp-X¬\nt£]w \S-Øm≥ CØcw ≠p-Iƒ°vA\phmZan-√.

G‰hpw Db¿∂ hn]-Wn-aq-ey-ap≈ 100 Iº-\n-IsfbmWvsk_n em¿PvIm]v Hmlcn-I-fmbn h¿Ko-I-cn-®n-cn-°p-∂-Xv.em¿PvIm]v ≠p-Iƒ 80 iX-am\w \nt£-]hpw \S-tØ-≠Xv Cu \qdv Iº-\n-I-fn-em-Wv. AXn-\m¬ em¿PvIm]v^≠p-I-fpsS amt\-P¿am¿°vXnc-s™-Sp-∏n-\p≈ Ah-kcw ]cn-an-X-am-Wv.

t\csØ em¿PvIm]v ≠p-I-fpsS t]m¿Svt^m-fntbm cq]-s∏-Sp-Øp-tºmƒ ^≠vamt\-P¿amcpsS ta¬ CØcw \nb-¥-W-ßƒ C√m-bn-cp-∂p. F∂m¬ sk_n-bpsS\nb-¥Ww \ne-hn¬ h∂v Hcp h¿jw ]n∂n- -tXmsS ≠v amt\-P¿am¿ ssIImcywsNøp∂ em¿PvIm]v ^≠p-I-fpsS ]k‡n Xs∂ Ipd-™p-h-cn-I-bm-Wv.

em¿PvIm]v ≠p-Iƒ c≠p Xc-Øn-ep-≠v. ≠v amt\-P¿am-cpsS kPo-h-amb CS-s]-S¬ IqSmsX kqNn-Im-[n-jvTnX Hml-cn-I-fn¬ amXw \nt£-]n-°p∂ C≥UIvkv^≠p-Ifpw ≠v amt\-P¿am¿ Xnc-s™-Sp-°p∂ t]m¿Svt^m-fn-tbm-bn¬ \nt£-]n-°p∂ ≠p-I-fpw. DZm-l-c-W-Øn\v F®vUn-F vkn C≥UIvkv ≠v \n v‰n 50 πm≥\n^v‰n-bn¬ Dƒs∏´ 50 Hml-cn-I-fnemWv\nt£-]n-°p-∂-Xv. Hml-cn-I-fpsS shbn-t‰Ppw \n v‰n-bn-ep≈ shbn-t‰-Pn\v GXm≠vkam-\-am-bn-cn-°pw. \n^v‰n \¬Ip-∂-Xn\vGI-tZiw Xpey-amb dnt -WmWv Cu ≠v\¬Ip-I. F√m ^≠p-Ifpw Hcp amt\-P-dpsS ta¬t\m-´-Øn-emWv ]h¿Øn-°p-I-sb-¶nepw CØcw C≥UIvkv ^≠p-IƒkqNn-Isb ]n¥p-S-cpI amX-amWv sNøp-I. AXm-bXv Hcp ≠v amt\-P-¿ \S-Øp∂Hml-cn-I-fpsS Xnc-s™-Sp∏v CØcw ≠p-I-fpsS ]I-S-\sØ Imcy-ambn kzm[o-\n-°p-∂n-√.

AtX kabw ^≠v amt\-P¿ kPo-h-ambn ssIImcyw sNøp∂ kvIoap-I-fn¬amt\-P-dpsS Xnc-s™-Sp∏v ssh`hw ]IS\ anIhv Db¿Øm≥ klm-b-I-amb LS-I-am-Wv. AtX kabw em¿PvIm]v kvIoap-

Isf kw_-‘n-®n-S-tØmfw sk_n-bpsSh¿Ko-I-cWw h∂-tXmsS ≠v amt\-P¿°vXnc-s™-Sp-∏n\v hn]p-e-amb Ah-k-c-ß-fn-√. t]m¿Svt^m-fn-tbm-bnse 80 iX-am\wHml-cn-Ifpw G‰hpw Db¿∂ hn]-Wn-aq-ey-ap≈ BZysØ 100 Iº-\n-Ifmbn-cn-°-Ww.Ch-bn¬ s]SmØ Iº-\n-I-sfbpw t]m¿Svt^m-fn-tbmbn-¬ Dƒs∏-Sp-Øm-sa-¶nepw AØcw Iº-\n-I-fn¬ 20 iX-am\w \nt£]wamXta \S-Øm≥ Ah-k-c-ap-≈q. AXp-sIm-≠p-Xs∂ sk_n-bpsS \nb-¥Ww \ne-hn¬ hcp-∂-Xn\v apºv ]e em¿PvIm]v ≠p-Ifpw \¬In-bn-cp∂ Xc-Øn-ep≈ Db¿∂ t\´w Bh¿Øn-°m-\p≈ Ah-kcwCØcw ≠p-Iƒ°n-s√∂v ]d-bmw.

CØcw ≠p-Iƒ \nt£-]-Øn\v ]cn-K-W-\o-b-a-s√∂v A¿∞-an√.

dnkvIv k∂-≤X hfsc Ipd™ \nt£-]-I¿°v em¿Pv

Im]v ^≠p-Iƒ ]cn-K-Wn-°m-hp-∂-Xm-Wv. kqNn-Ibv°v Xpey-ambt\´w CØcw ≠p-I-fn¬ \n∂v e`n-°m\p≈ km[yX IqSp-X-em-Wv. AtX kabw CS-Øcw dnkvIvk∂-≤-X-bp-≈-h¿°vaƒ´n-Im]v ^≠p-I-fm

Wv IqSp-X¬ ]cn-K-W-\o-bw.


Mutual Fund


Mutual Fund

ayqNz¬ ≠p-I-fnse

C¥y-°m-cpsS \nt£]w

h¿[n-°p∂pIpSpw-_-ß-fpsS samØw BkvXn-bn¬ 60 iX-am\w [\-Imcy BkvXn-Ifpw 40 iX-am\w

ùXnI BkvXn-I-fp-am-Wv. samØw BkvXn-I-fpsS 3.60 iX-am\w ayqNz¬ ^≠p-I-fmWv.

C¥y-°m-cpsS kºm-Zy-Øn¬ ayqNz¬^≠p-I-fpsS ]¶v h¿[n-®p-h-cp-∂p. ayqNz¬^≠v hyh-km-b-hp-ambn _‘-s∏´p ]h¿Øn-°p∂ GP≥kn \S-Ønb ]T\ dnt∏m¿´mWv C°mcyw hy‡-am-°p-∂Xv.

2014¬ IpSpw-_-ß-fpsS samØw [\-Imcy BkvXn-I-fn¬ aq∂v iX-am-\w amX-am-bn-cp∂p ayqNz¬ ≠p-Iƒ. 2018¬ CXvBdv iX-am-\-ambn h¿[n-®p. Atkm-kn-tb-j≥ Hm v ayqNz¬ ≠vkv C≥ C¥y (Bw-^n)bpw t_mÃ¨ I¨kƒńMv Kq∏pwtN¿∂v \S-Ønb k¿th-bnse Is≠-Ø-emWv CXv.

IpSpw-_-ß-fpsS samØw BkvXn-bn¬60 iX-am\w [\-Imcy BkvXn-Ifpw 40 iX-am\w uXnI BkvXn-I-fp-am-Wv. kz¿Ww,`qan, sIńSw XpS-ßn-b-h-sb-bmWv uXnIBkvXn-Ifmbn IW-°m-°p-∂-Xv.

^nIvkUv sUt∏m-kn-‰p-Iƒ, t_m≠p-Iƒ, Hml-cn, ayqNz¬ ^≠v XpS-ßn-bh[\-Imcy BkvXn-I-fm-Wv. [\-Imcy BkvXn-IfpsS Bdv iX-am\w ayqNz¬ ≠p-I-fm-sW-∂Xn\v A¿∞w samØw BkvXn-I-fpsS 3.6 iX-am\w ayqNz¬ ^≠p-I-fmsW∂m-Wv.

ayqNz¬ ≠p-I-fpsS BkvXn-bn¬ CIzn‰n ≠p-I-fpsS ]¶m-fnØw 24 iX-am-\-Øn¬ \n∂v 45 iX-am-\-ambn Db¿∂-Xmbnas‰mcp dnt∏m¿´v Nq≠n-Im-´p-∂p. 2014\pw2018\pw CS-bn¬ CIzn‰n ^≠p-I-fpsSBkvXn 38.6 iX-am\w ]Xn-h¿j hf¿®-

bmWv ssIh-cn-®-Xv. AtX kabw ssl_nUv ≠p-I-fpsS BkvXn-bn¬ 54 iX-am\whf¿®-bp-≠m-bn. enIznUv ≠p-I-fpsS BkvXn-bn¬ 27 iX-am\w ]Xn-h¿j hf¿®-bp-≠m-b-t∏mƒ sU‰v ≠p-I-fpsS BkvXn-bn¬ F v iX-am\w hf¿® amX-am-Wp-≠m-b-Xv.

2019¬ ssl_nUv ^≠p-I-fpsS BkvXn-bnse hf¿® Ipd-™p. IS ]Xn-k-‘nsb XpS¿∂v sU‰v ≠p-I-fp-sSbpw enIznUv ≠p-I-fp-sSbpw BkvXn-bnepw ]cn-an-X-amb hf¿® amX-am-Wp-≠m-b-Xv.

2014\pw 2018\pw CS-bn-ep-≠mb as‰mcp]h-WX ayqNz¬ ^≠p-I-fpsS BkvXn-bn¬ hy‡n-I-fpsS \nt£]Øns‚ ]¶v

Db¿∂-Xm-Wv. 2014¬ ayqNz¬ ≠p-I-fpsSBkvXnbpsS 48 iX-am-\-am-bn-cp∂p hy‡n-I-fpsS \nt£-]w. CXv 58 iX-am-\-ambn Db¿∂p. Hcm-fpsS icm-icn ayqNz¬ ^≠v\nt£]w 1.02 e£w cq]-bn¬ \n∂v 1.69e£-ambn h¿[n-®p. AtX kabw \nt£] ÿm]-\-ß-fpsS t^mfn-tbm-I-fn¬ KWy-amb h¿[-\-bp-≠m-bn-√.

hy‡n-I-fpsS \nt£]w ][m-\-ambpwCIzn‰n ≠p-Ifnem-Wv. Ah-cpsS \nt£-]-Øns‚ 57.4 iX-am-\hpw CIzn‰n ^≠p-I-fm-Wv. AtX kabw \nt£] ÿm]-\-ß-fpsS \nt£]w ][m-\-ambpw sU‰v ≠p-I-fn-em-Wv. \nt£] ÿm]-\-ß-fpsSBkvXn-bpsS 77.2 iX-am-\hpw sU‰v ≠p-I-fm-Wv.

hy‡n-Iƒ IqSp-X-embpw \nt£]w \S-Øp-∂Xv sdKp-e¿ πm\p-Iƒ hgn-bm-Wv. 82.7iX-am-\hpw sdKp-e¿ πm\p-Iƒ hgn \nt£]w \S-Øp-∂p. AtX kabw \nt£]ÿm]-\-ß-ƒ ][m-\ambpw IΩn-j≥ _m[-I-a-√mØ Ub-dIvSv πm\p-Iƒ hgn-bmWv\nt£-]n-°p-∂-Xv. 70 iX-am\w \nt£-]hpw Ub-dIvSv πm\p-I-fn-em-Wv. Fwtπm-bokvt]mhn-U‚ v ^≠v Hm¿K-ss\-tk-j≥t]mep≈ GP≥kn-I-fpsS Hmlcn \nt£-]hpw h¿[n-®n- p-≠v. 2014 am¿®n¬ Fwtπm-bokv t]mhn-U‚ v ^≠v Hm¿K-ss\-tk-js‚ \nt£]w CSn-F- p-I-fpsS BkvXn-bpsS 1.7 iX-am-\-am-bn-cp-∂p. 2019 PqWn¬CXv 5.8 iX-am-\-ambn h¿[n-®p.

2014¬ IpSpw-_-ß-fpsSsamØw [\-Imcy BkvXn-I-fn¬ aq∂v iX-am-\w amX-am-bn-cp∂p ayqNz¬ ^≠p-Iƒ.2018¬ CXv Bdv iX-am-\-ambnh¿[n-®p. Hcm-fpsS icm-icnayqNz¬ ^≠v \nt£]w 1.02e£w cq]-bn¬ \n∂v 1.69e£-ambn h¿[n-®p.



sU‰v ^≠p-Iƒ BkvXn

Fgp-Xn-X-≈p-∂Xv XpS-cp∂pIgn™ Hcp h¿j-Øn-\nsS ]e sU‰v ^≠p-Ifpw Nne Iº-\n-IfpsS t_m≠p-Ifn¬ \nt£-]n®

XpI XncnsI e`n-°m-ØXv aqew \jvSw tcJ-s∏-Sp-Øn-bn- p-≠v.

IS∏X-ßƒ hgn kzoI-cn-°p∂ hmbv]-Iƒ Imem-h[n Ign-™-Xn\p tijw XncnsI\¬Ip∂Xn¬ Iº-\n-Iƒ hogvN hcp-Øp∂Xv ayqNz¬ ≠p-I-fpsS sU‰v kvIoap-I-fpsS Xmfw sX‰n-°p∂ ÿnXn-hn-tijw XpS-cp-∂p. 2018 sk]v‰w-_-dn¬ XpS-ßnb CuÿnXn hnhn[ sU‰v kvIoap-I-fn¬ \nt£-]n-®-h-sc-bmWv ]Xn-Iq-e-ambn _m[n-°p-∂-Xv.

Ign™ amkw BƒSntIm Im∏n-‰-¬t_m≠p-Iƒ hgn kzoI-cn® XpI Imem-h-[n°p tijw XncnsI \¬Ip-∂-Xn¬ hogvNhcp-Øn-b-Xns\ XpS¿∂v bpSnsF ayqNz¬^≠pw dne-b≥kv\nt∏m¨ Ak‰v amt\-Pvsa‚pw Cut_m≠pI-fn¬ \S-Ønb \nt£]w Fgp-Xn-X-≈p-Ibpw BkvXn shń-°p-d-bv°p-Ibpw sNbvXp. Fs ¬ Kq∏v CØ-c-Øn¬ \nt£]w XncnsI \¬Im-ØXvtIm´°v ayqNz¬ ≠ns‚bpw BZnXy_n¿f ayqNz¬ ^≠n-s‚bpw sU‰vkvIoap-Isf ]Xn-Iq-e-ambn _m[n-®p.

Ign™ A©vh¿j-Øn-\nsS BkvXn-bn¬ c≠v aS-tßmfw hf¿®-bmWv tIm¿∏-td‰v sU‰v ≠p-Iƒ ssIh-cn-®-Xv. Ign™ A©v h¿j-Øn-\nsS Cu ≠p-Iƒ \¬Inb ]Xn-h¿j t\´w 7.08 iX-am-\-am-Wv.

Ign™ Hcp h¿j-Øn-\nsS ]e sU‰v^≠p-Ifpw Iº-\n-Iƒ°v t_m≠p-Iƒ hgn\¬Inb XpI XncnsI e`n-°m-ØXv aqew\jvSw tcJ-s∏-Sp-Øn-bn- p-≠v. DZm-l-c-W-Øn\v Sm‰m tIm¿∏-td‰v t_m≠v ≠v Ign™ Hcp h¿j-Øn-\nsS 39 iX-am\w \jvS-amWv tcJ-s∏-Sp-Øn-b-Xv.

IS∏Xßfn¬ sU‰v ^≠v \nt£]n® XpI XncnsI In´m≥ km[yXbn√mØkmlNcyßfn¬ B\p-]m-Xn-I-ambn F≥

sk]v‰w-_-dn¬ BƒSntImIm∏n-‰-¬ t_m≠p-Iƒ hgnkzoI-cn® XpI Imem-h-[n°p tijw XncnsI \¬Ip-∂-Xn¬ hogvN hcp-Øn-b-Xns\ XpS¿∂v bpSnsF ayqNz¬^≠pw dne-b≥kv \nt∏mäyqNz¬ ^≠pw Cu t_m≠pI-fn¬ \S-Ønb \nt£]wFgp-Xn-X-≈n.

Fhn ]p\:IaoIcn°pI-bmWv sNøp-I.DZmlcWØn\v \nt£]w XncnsI \¬Ip∂Xn¬ hogvN hcpØnb Iº\nbn¬ HcpsU‰v ^≠v BkvXnbpsS ]Øv iXam\w\nt£]amWv \SØnbsX¶n¬ F≥-Fhnbn¬ ]Øv iX-am\w CSn-hp-≠m-Ip-∂p.Cu coXn-bn-ep≈ XI¿®-bmWv ]e sU‰vkvIoap-I-fp-sSbpw F≥-F-hn-bn¬ D≠m-b-Xv.

CØ-c-Øn-ep≈ \jvSw sU‰v ≠p-I-fn¬ kw -hn-°p-sa∂v km[m-cW \nt£-]-I¿ t\csØ H´pw ]Xo-£n-®n-cp-∂n-√.CIzn‰n ^≠p-I-fn¬ kw`-hn-°p-∂-Xn-t\-

°mƒ henb CSn-hmWv Nne sU‰v ^≠p-I-fpsS F≥-F-hn-bn¬ D≠m-b-Xv. h¿j-ßƒsIm≠v F≥-F-hn-bn¬ D≠mb hf¿®-bmWvGXm\pw Iº-\n-I-fpsS t_m≠p-I-fn¬ \nt£-]n® XpI XncnsI e`n-°m-ØXv aqewZnh-k-ßƒ°p-≈n¬ timjn-°p-∂-Xv.

IS-∏-X-ßƒ hgn kam-l-cn® [\w XncnsI \¬Ip∂Xn¬ hogvN hcpØnbXns\XpS¿∂v sIUn‰v td‰nMv GP≥knIfpsSUu¨tKUnMn\p hnt[bamb sFF¬& F vFkns‚ IS∏Xßfn¬ \nt£]n® sU‰v ayqNz¬ ^≠pIƒ i‡amb Xn

cn®Sn t\cn´tXmsS-bmWv \ne-hn-ep≈]Xn-k‘n Bcw-`n-®-Xv.

IS-∏-X-ßƒ hgn kam-l-cn® [\wXncnsI \¬Ip-∂-Xn¬ Iº-\n-Iƒ hogvN hcp-Øp-∂Xv AXn\p tijw XpS¿I-Y-bm-bn.

sIUn‰v td‰nMvGP≥knIfpsS i‡amb Uu¨tKUnMv ap≥Imeßfnepw HmlcnIfpsSbpw ayqNz¬ ^≠pIfpsSbpw ]IS\sØ ]XnIqeambn_m[n®n´p≠v.

sU‰v ≠p-I-fn¬ \nt£-]n-°p-tºmgpw ]cn-an-X-amb dnkvIns\ Ipdn®v \nt£-]-I¿°v t_m[y-ap-≠m-I-Ww. Nne-t∏m-sgms° IS-∏-X-ß-fn¬A[n-jvTn-X-amb ≠p-I-fn¬ \n∂v Aÿn-c-amb t\´w D≠m-Im\p≈ km[yXbp≠v.F∂m¬ Ct∏mƒ kw`hn®Xp t]mep≈]h-WXIƒ hnc-f-ambn amXw kw -hn-°p-∂-Xm-Wv.

AtX kabw enIznUv ≠p-Iƒ t]mep≈ lkz-ImetØ°v \nt£]w \S-Øm-hp∂ sU‰v ≠p-IfpsS F≥-F-hn-bn¬ CØcw CSnhv D≠m-bn-ń-√. Ct∏m-gsØkml-N-cy-Øn¬ enIznUv ^≠p-Iƒ BWv \nt£-]-Isc kw_-‘n-®n-S-tØmfwIqSp-X¬ kpc-£n-Xw.

Mutual Fund



slUvPv dnk¿®v

lkzIme \nt£-]-Øn-\mbn

A©v Hml-cn-Iƒ

Stock Recommendations

Ah\yp kq∏¿am¿Svkv

FknknASpØ h¿j-ß-fn¬ henb IpXn∏v \S-Øm≥ km[y-X-bp≈ taJ-e-I-fmWv ASn-ÿm\ kuIcy hnI-k-\hpw h\ \n¿amWhpw. ASn-ÿm\ kuIcy hnI-k-\Øn\pw `h\ \n¿amWØn\pw Bh-iy-ambkma-Kn-I-fmb kna‚ v D¬∏m-Zn-∏n-°p∂Fknkn°p Cu IpXn∏v KpW-I-c-am-Ipw.

s\kvte C¥yF^v-Fw-knPn cwKsØ ]apJ Iº-\n-bmWv s\kvte C¥y. s]mXpsh F^v-Fw-knPn Iº-\n-IfpsS _nkn-\kv D’hkokWn¬ Gsd sa®-s∏-Sp-∂-XmWv ImWm-dp-≈-Xv. Cu A\p-Iqe kml-N-cy-Øns‚KpW-t`m-‡m-°-fn-sem-∂m-bn-cn°pw s\kvte C¥y.

hmtß≠ hne 12,340 cq]

e£y-am-°p∂ hne 13,820 cq]

C]n-Fkv 175.18

]n/C 77.06

C‚kvSn ]n/C 51.88

hn]-Wn-aqeyw 130183 tImSn cq]

52 BgvNsØ 13629.45 cq]Db¿∂ hne

52 BgvNsØ 9047.05 cq]Xmgv∂ hne

Unhn-U‚ v 0.85%bo¬Uv

t^kv hmeyp 10 cq]

F≥-F-kvC NESTLEINDtImUv

_nF-kvC 500790tImUv

hmtß≠ hne 610 cq]

e£y-am-°p∂ hne 700 cq]

C]n-Fkv 14.61

]n/C 45.68

C‚kvSn ]n/C 43.96

hn]-Wn-aqeyw 22,108 tImSn cq]

52 BgvNsØ 673 cq]Db¿∂ hne

52 BgvNsØ 471 cq]Xmgv∂ hne


t^kv hmeyp 1 cq]

F≥-F-kvC VOLTAStImUv

_nF-kvC 500575tImUv



C]n-Fkv 91.9

]n/C 17.78

C‚kvSn ]n/C 34.16



52 BgvNsØ 1322.55cq]Xmgv∂ hne

Unhn-U‚ v 0.86 %

bo¬Uv

t^kv hmeyp 10 cq]

F≥-F-kvC ACCtImUv

_nF-kvC 500410tImUv



C]n-Fkv 23.14

]n/C 63.5

C‚kvSn ]n/C 56.15




Unhn-U‚ v -0.41%bo¬Uv

t^kv hmeyp 5 cq]

F≥-F-kvC APOLLOHOSPtImUv

_nF-kvC 508869tImUv

Un˛-am¿Sv tÃmdp-I-fpsS DS-aÿX hln-°p∂ Iº-\n-bmWv Ah\yp kq∏¿am¿Svkv. C¥y-bnseem`-Øn¬ ]h¿Øn-°p∂ hncfw dos´-bn¬ tÃmdp-I-fn-sem-∂mWv Un˛-am¿Sv. Iº-\n-bpsS ]tXyI ]h¿Ø\coXn-bmWv em -£-aX Db¿Øp-∂-Xn\p]n∂nse ][m\LS-Iw. D’h kok-Wp-I-fn¬ hn¬∏\ h¿[n-°p-∂Xv Iº-\n-bpsS _nkn-\kv sa®-s∏-Sp-∂-Xn\vhgn-sh-°pw.

BtcmKy ]cn-c£m cwKsØ cmPysØ ]apJ Iº-\n -bmWv At∏mtfm tlmkv]n-‰¬kv. cmPysØFgp-]-tXmfw ÿe-ß-fn-emWv Iº-\nbpsS Bip-]-Xn-Iƒ ]h¿Øn-°p-∂-Xv. kmt¶-Xn-I-ambn i‡-amb apt∂‰ ]h-W-X-bmWv Cu Hml-cn-bn¬ Ct∏mƒ\ne-\n¬°p-∂-Xv.1574 cq] e£y-am°n Cu Hmlcnhmßm-hp-∂-Xm-Wv.

At∏mtfm tlmkv]n-‰¬kv

thmƒ´mkvD’-h-ko-k-Wn¬ P\ßfpsS D]t`mKwh¿[n®phcp∂ kmlNcyØn¬ I¨kyq-a¿ Ce-IvtSm-WnIvkv D¬∏-∂-ßƒ°p≈Unam‚ v ]tbm-P-\-s∏-Sp-Øm≥ k÷-ambIº-\n-bmWv thmƒ´m-kv. Fb¿ I≠o-j-W¿ t]mep≈ D¬∏-∂-ß-fn¬ C¥y-bnsekpÿm-]n-X-amb _m‚m-Wv thmƒ´m-kv.



C]n-Fkv 16.36

]n/C 107.65

C‚kvSn ]n/C 70.34




Unhn-U‚ v ˛bo¬Uv

t^kv hmeyp 10 cq]

F≥-F-kvC DMARTtImUv

_nF-kvC 540376tImUv


lnµp-ÿm≥ bqWn-en-h¿:

amµyw _m[n-°mØ Iº\n]XnIqe kmlNcyßfnepw t]m¿Svt^mfntbmbpsS \jvSw Ipd®v \nt£]sØ

"_me≥kvUv ' Bbn apt∂m´p sIm≠pt]mIm≥ F^vFwknPn HmlcnIƒ°v Ignbp∂p.

tIcf-Ønse HmWtØmsS-bmWv cmPysØ D’-h-ko-k-Wn\v XpS-°-am-Ip-∂-Xv.Zo]m-h-en, InkvXp-akv XpS-ßnb BtLm-j-ß-fmWv hcpw-am-k-ß-fn¬ hn]-WnsbImØn-cn-°p-∂-Xv. s]mXpsh F v-Fw-knPnIº-\n-Iƒ°mWv D’h kok¨ GsdKpW-I-c-am-Ip-∂Xv. D’h kok-Wnse CuA\p-Iqe kml-Ncyw ]tbm-P-\-s∏-Sp-Øm≥ k÷-amb Iº-\n-bmWv F v-Fw-knPntaJ-e-bnse ]ap-J-cmb lnµp-ÿm≥bqWnen-h¿.

80 h¿j-ambn ]h¿Øn-®p-h-cp∂ C¥y-bnse BZysØ F v-Fw-knPn Iº-\n-bmblnµp-ÿm≥ bqWn-en-h¿ Ccp-]-tXmfw hn`mK-ß-fn-embn 85 _m‚p-I-fmWv hn]-Wn-bn-se-Øn-®n-´p-≈-Xv. tkm∏v, Ae-°p-s]m-Sn, jmw]q, SqØv t]Ãv, Nmb, Im∏n, sFkvIow, ]mt°PvUv £y D¬∏-∂-ßƒ XpS-ßnb hnhn[ hn`m-K-ß-fn-embn hym]-cn-®n-cn-°p∂ lnµp-ÿm≥ bqWn-en-h¿ Hcpkm[m-cW C¥y-°m-cs‚ ssZ\w-Zn\ Pohn-X-Øns‚ `mK-am-Wv. C¥y-°m-cn¬ ]Øvt]cn¬ Hº-Xm-fp-Ifpw lnµp-ÿm≥ bqWn-en-h¿ D¬∏-∂-ßƒ D]-tbm-Kn-°p-∂p-sh-∂mWv Iº-\n-bpsS Hcp ]T-\-Øn¬ ]d-bp-∂-Xv. eIvkv, sse v t_mbv, k¿ v F

slUvPv dnk¿®v

Ivk¬, ho¬, dn≥, s^b¿ & ehven, t]m≠vkv, hmsk-en≥, emIvsa, tUmhv, ¢n\nIvπkv, k¨kn¬°v, s]]vtkm-U‚ v, t¢mkvA]v, BIvkv, _qIv t_m≠v XpS-ßnbIº\nbpsS hnhn[_m‚p-I-ƒ icm-icnC¥y≥ D]-t`m-‡m-hn\v kp]-cn-Nn-X-am-Wv.

lnµp-ÿm≥ bqWn-en-hdn¬ bqWn-en-h-dn-\mWv 67 iX-am\w Hmlcn DS-a-ÿ-X-bp-≈-Xv. 18,000 Poh-\-°m-cp≈ Iº-\n-bpsShn‰p-h-chv 37,660 tImSn cq]-bm-Wv. 190 cmPy-ß-fn-emWv Iº-\n°v km∂n-[y-ap-≈-Xv.

GXv ]XnIqe kmlNcyØnepw \nt£]I¿°v ]Xntcm[Øns‚ kpc£nXXzw ]Icp∂ taJebmWv F^vFwknPn.a‰v "AKkohv skIvSdpIƒ' hn]Wnbn se]XnIqe kmlNcyßfn¬ hoWpt]mbmepw t]m¿Svt^mfntbmbpsS \jvSw Ipd®v \nt£]sØ "_me≥kvUv' Bbn apt∂m´p sIm≠p t]mIm≥ F^vFwknPnHmlcnIƒ°v Ignbp∂p.

kmº-ØnI amµysØ XpS¿∂v Ign™amk-ß-fn¬ F^v-Fw-knPn taJ-e-bnsehn¬∏\ Ipd-s™-¶nepw lnµp-ÿm≥bqWn-en-hdns‚ _nkn-\kv anI® \ne-bn-em-Wv. D’-h-ko-W-Wn¬ F^v-Fw-knPntaJ-e-bn¬ D≠m-Ip-sa∂v ]Xo-£n-°-s∏-Sp∂ h¿[n-X-amb hn¬∏-\-bpsS ][m\KpW-t`m-‡m-hm-bn-cn°pw lnµp-ÿm≥ bqWn-en-h¿.

Company Report

lnµp-ÿm≥ bqWn-en-h¿

C]n-Fkv 57.40

]n/C 62.96

C‚kvSn ]n/C 57.40

hn]-Wn-aqeyw 3,94,212 tImSn cq]



_p°v hmeyp 35.27 cq]

]n/_nhn 51.63


t^kv hmeyp 1 cq]

F≥-F-kvC HINDUNILVRtImUv

_nF-kvC 500696tImUv

\S∏p kmº-ØnI h¿jw G]n¬-˛-Pq¨ ssXam-k-Øn¬ lnµp-ÿm≥ bqWn-en-h¿ anI® ]I-S-\-amWv ImgvN sh®-Xv.1792 tImSn cq]-bmWv Cu ssXam-k-ØnseIº-\n-bpsS em`w. ap≥ h¿jw kam\Ime-b-f-hn-t\-°mƒ em`-Øn-ep-≠mbhf¿® 15 iX-am-\-am-Wv. 1565 tImSn cq]-bm-bn-cp∂p I-gn™ km-º-ØnI h¿jwG]n¬-˛-Pq¨ ssXam-k-Ønse em`w.10,509 tImSn cq]-bmWv samØw hcp-am-\w.ap≥h¿jw H∂mw ssXam-k-Øn¬ 9909tImSn cq]-bm-bn-cp∂p hcp-am-\w.

kmº-ØnI amµysØ XpS¿∂v Ign™ amk-ß-fn¬F^v-Fw-knPn taJ-e-bnsehn¬∏\ Ipd-s™-¶nepwlnµp-ÿm≥ bqWn-en-hdns‚_nkn-\kv anI® \ne-bn-em-Wv. D’-h- ko-k-Wn¬ F v-Fw-knPn taJ-e-bn¬ D≠m-Ip-sa∂v ]Xo-£n-°-s∏-Sp∂h¿[n-X-amb hn¬∏-\- Iº-\n°v Gsd KpW-I-c-am-Ipw.


Ip∂ Iº-\n-I-fpsS ]Xn Hmlcn hcp-am\-Øn¬ ]Øv iX-am-\-Øn-tesd h¿[-\-bmWv D≠m-hp-I.

tIm¿∏-td-‰p-I-fpsS hcp-am\ h¿[\ Db¿Øp∂Xn\v hgn-sh-°p∂ ]Jym-]-\sØ A£-cm¿∞-Øn¬ hn]Wn BtLm-jn-°p-I-bm-bn-cp-∂p. 11,650 t]mbn‚ v \ne-hm-c-Øn¬ \n∂pw 11,600 t]mbn‚ v \ne-hm-c-Øn-te°v \n^v‰n Xncn-®p-I-bdn.

hn]-Wn-bn-ep-≠mb IpXn-∏ns\ XpS¿∂v_PmPv n\m≥kv, ssS‰m≥ C‚-kvSo-kv,F®vUn-F vkn _m¶v, lnµp-ÿm≥ bqWn-

hn]Wnbn¬ Zo]m-hen

t\csØ FØn\n^v‰n 10,000 t]mbn‚n-te°v CSn-bm-\p≈ km[yX t]mepw hnZ-Kv[¿ ]h-Nn®p XpS-ßnb

ka-b-ØmWv hn]-Wn-bnse ]h-W-X-Iƒ am‰n-a-dn-°p∂ ]Jym-]\w k¿°m¿ \S-Øn-b-Xv.

Hmlcn hn]-Wn-bnse ]h-WX amdn-a-dn-™Xv s]mSp-∂-s\-bm-Wv. tIm¿∏-td‰v \nIpXn 30 iX-am-\-Øn¬ \n∂pw 22 iX-am-\-ambn Ipd® tIµ k¿°m-cns‚ \S-]Sn i‡-amb IpXn-∏n-\mWv hgn-sbm-cp-°n-bn-cn-°p-∂-Xv. kmº-ØnI amµysØ XpS¿∂v Hmlcn kqNn-I-bmb \n v‰n 10,000 t]mbn‚n-te°v CSn-bm-\p≈ km[yX t]mepw hnZ-Kv[¿]h-Nn®p XpS-ßnb ka-b-ØmWv hn]-Wn-bnse ]h-W-X-Iƒ am‰n-a-dn-°p∂ ]Jym-]\w k¿°m¿ \S-Øn-b-Xv.

HmKÃv Ah-km\w hn]-Wn-bn-ep-≠mbCSn-hn\v kam-\-ambn sk]v‰w-_-dnepw kmt¶-Xn-I-amb Xmßp \ne-hm-c-ßƒ XpS¿®-bmbn ]co-£n-°-s∏-Sp-∂-XmWv I≠-Xv.10,670 t]mbn‚ v hsc CSn™ \n v‰n IqSp-X¬ i‡-amb Xncp-Ø-en-te°v \oßp-sa∂ kqN\ \¬Inb ka-b-ØmWv k¿°m-cns‚ CS-s]-S-ep-≠m-b-Xv.

IqUv Hmbn¬ hne KWy-ambn Db¿∂Xvt]mep≈ ]Xn-Iqe LS-I-ßƒ i‡n-s∏-Sp-∂Xv hn]-Wnsb kΩ¿ZØnemgvØnb ka-bØv k¿°m¿ \S-Ønb ]Jym-]\w hn]-Wnbn¬ s]mSp∂s\ Bflhn-izmkØns‚ Xncn sImfp-Øn. sk]v‰w-_¿ 20\v ]Øvh¿j-Øn-\n-S-bnse G‰hpw Db¿∂ ]Xn-Zn\ apt∂-‰-amWv hn]-Wn-bn¬ D≠m-b-Xv.

k¿°m-cns‚ ]pXnb tIm¿∏-td‰v \nIpXn \bw Hmlcn hn]-Wnsb kw_-‘n-®n-S-tØmfw \qdv iX-am\w "t]mkn-‰ohv' BWv.tIm¿∏-td-‰p-Iƒ \¬Ip∂ \nIpXn ^e-Øn¬k¿Nm¿PpIƒ Dƒs∏sS25.17 iX-am-\-ambncn°pw.

D¬∏m-Z\ taJ-e-bn¬ HIvtSm-_¿ H∂v apX¬ cPn-Ã¿ sNøp∂ Iº-\n-I-fpsS \nIpXn 25iX-am-\-Øn¬ \n∂v 15iX-am-\-am-bmWv Ipd-®-Xv.k¿Nm¿Ppw skkpw Dƒs∏sS -eØn¬ 17.01 iX-am\w \nIp-Xn-bmIpwCu Iº-\n-Iƒ \¬tI-≠-Xv.

\nIpXn sh´n-Ip-d-®Xp hgn G‰hpw Db¿∂\nc-°n¬ \nIpXn \¬

Market Review

en-h¿, Gjy≥ s]bn‚ vkv, sFkn-sF-knsF _m¶v, tIm´°v aloµ _m¶v, tUm.-sd-UvVokv et_m-d- -do-kv XpS-ßnb Iº-\n-Iƒ Hcp h¿jsØ G‰hpw Db¿∂ hne-bn-te°v IpXn-®p.

]Xn Hmlcn hcp-am\w KWy-ambn Db-cp∂ kqNn-I-bn¬ Dƒs∏- Xpw A√m-ØXp-amb Iº-\n-I-sf "A]vtKUv' sNøm≥t_m°-td-Pp-Ifpw A\-en-Ãp-Ifpw Xbm-dm-Ip-sa-∂n-cns° CØcw Hml-cn-I-fn-te°vIqSp-X¬ \nt£-]-sa-Øpsa∂mWv ]Xo-£n-°-s∏-Sp-∂-Xv. CXv hn]-Wn-bnse IpXn∏vXpS-cp-∂-Xn\v hgn-sh-°pw.

sk]v‰w-_¿ H∂v apX¬ 20 hsc hntZi \n t£] ÿm]\ßƒ 8191 tImSn cq]bpsS A‰hn¬∏\ \SØnbt∏mƒ B`y-¥c \nt£] ÿm]-\-ßƒ 11,185 tImSncq]-bpsS A‰\nt£]ØneqsS hn]-Wn°vi‡-amb ]n¥pW \¬Ip-∂Xv XpS¿∂p.

hymh-km-bnI D¬∏m-Z\kqNnIbpw ]W-s∏-cp-∏hpw

HmKÃnse D]-t`mKvXr hne kqNn-I-bpsS ASn-ÿm-\-Øn-ep≈ ]W-s∏-cp∏w3.21 iXam\ambn Db¿∂p. Pqsse-bn¬ CXv3.15 iXam\ambncp∂p. dnk¿hv _m¶v e£yanSp∂ \mev iXam\Øn\v Xmsg ]Ws∏cp∏ \nc°v XpScp∂Xn\m¬ B¿_nsFbpsS [\ \bØn¬ am‰ap≠mIm\nSbn√.

AtX kabw samØ hne kqNnIsb ASn-ÿm-\-am-°n-bp≈ ]Ws∏-cp∏w 1.1 iXam\ambn ÿnc-X-bm¿Pn®p.Pqssebn¬ CXv 1.08 iXam\ambncp∂p. D]-t`mKvXr hne kqNnItb°mƒ Xmgv∂ \nebn¬ samØ hne kqNnI XpScp∂ ]hWXbmWv Ct∏mgp≈Xv.

Pqssebnse hymhkmbnI hf¿® 4.3 iXam\ambn Db¿∂p. PqWn¬ c≠v iX-am\w hf¿®-bmWv ssIh-cn-®n-cp-∂-Xv.

hn]Wn sk]v‰w 23 Hcp amksØ Hcp h¿jsØ

se \ne t\´w/\jvSw t\´w/\jvSw

\n v‰n 11,600.20 ---- --+4.10% --+6.24%Hmlcn tUm tPm¨kv 26,935.07 -- --- --+5.10% --+0.72%hn]Wn UmIvkv 12,468.01 +7.38% - +0.30%

\n°n 22,079.09 +6.61% - ---˛7.50%

ItΩm-Un‰n kz¿Ww (Hcp Hu¨kns‚ 1517.70 - ---+0.97% ---- ---+25.67%hn]Wn tUmf-dn-ep≈ hne)

IqUv Hmbn¬ (Hcp 64.28 ˛1.04% - 17.94%_mc-en\v tUmf-dn-ep≈ hne)

Id≥kn bpFkv tUmf¿ 70.94 cq] -- -- -˛0.51% ˛2.32%

Hml-cn, ItΩm-Un-‰n, Id≥knhn]-Wn-I-fpsS ]I-S\w

(sk]v‰w_¿ 23se hn]Wn \ne A\p-k-cn-®v)

hn]-Wn-bn-ep-≠mb IpXn-∏ns\ XpS¿∂v _PmPv n\m≥kv, ssS‰m≥ C‚-kvSo-kv,F®vUn-F vkn _m¶v, lnµp-ÿm≥ bqWn-en-h¿, Gjy≥s]bn‚vkv, sFkn-sF-knsF _m¶v, tIm´°v aloµ_m¶v, tUm.-sd-UvVokv em_vXpS-ßnb HmlcnIƒ Hcph¿jsØ G‰hpw Db¿∂hne-bn-te°v IpXn-®p.


Commodity Watch

kz¿WØn¬ apt∂‰w,

XpS¿∂v em -sa-Sp∏vsÛ-d-¬ dnk¿hv ]eni \nc°v 0.25 iX-am\w Ipd-s®-¶nepw XpS¿∂v

\nc°v Ipd-bv°p-∂-Xns\ Ipdn®v kqN-\- \¬Im-Xn-cp-∂Xv kz¿Whne

Db¿∂ \ne-hm-c-Øn¬ \n∂pw Xmtg°v hcp-∂-Xn\v Imc-W-am-bn.

BtKmf kº-Zvhy-hÿ sh√p-hnfn t\cn-Sp-∂ kml-N-cysØ ap≥\n¿Øn IpXn-®p-b¿∂cmPym¥c kz¿W hne AXn\p tijw em`-sa-Sp-∏n\v hnt[-b-am-Ip-∂-XmWv sk]v‰w-_-dn¬I≠-Xv. XpS¿∂v hn]-Wn-bpsSKXn \n¿W-bn-°p∂ LS-I-ß-fnse Ahy-‡-X em -sa-Sp-∏n\v][m\ Imc-W-am-bn.

sk]v‰w-_-dn¬ Hu¨kn\v1550 tUmf¿ hsc Db¿∂-Xn\ptijw kz¿W hne 1500 tUmf-dn\v Xmtg°v Hcp L -Øn¬ CSn-™p. Ggv h¿jsØ G‰hpwDb¿∂ \ne-hmcØn-te°v FØnb kz¿W hnesb ]t£XpS¿∂p≈ KXn kw_-‘n® Ahy-‡-X-bmWv ]Xn-Iq-e-ambn _m[n-®-Xv. bpFkvsk≥S¬ _m¶mb sÛ-d-¬ dnk¿hv ]eni \nc°v 0.25 iX-am\w Ipd-s®-¶nepwXpS¿∂v \nc°v Ipd-bv°p-∂-Xns\ Ipdn®vhy‡-amb kqN-\-sbm∂pw \¬Im-Xn-cp-∂Xv kz¿W hne Db¿∂ \ne-hm-c-Øn¬\n∂pw Xmtg°v hcp-∂-Xn\v Imc-W-am-bn.

2008\p tijw c≠m-asØ Xh-W-bmWvsÛ-d¬ dnk¿hv ]eni \nc°v Ipd-®-Xv. bpF-kns‚ kmº-ØnI hf¿® Ipd-

™-XmWv \nc°v Ipd-bv°p-∂-Xn\v sÛ-d¬ dnk¿hns\ t]cn-∏n-®-Xv. XpS¿∂pw \nc-°p-Iƒ Ipd-bv°p-I-bm-sW-¶n¬ AXvkz¿W hne Db-cp-∂-Xn\v Imc-W-am-Ipw.]en-i-\n-c°v Ipd-bv°p-∂Xv tUmf-dns‚aqeyw Ipd-bp∂-Xn\v hgn-sh-°p∂ LS-I-am-Wv. cmPym-¥c Xe-Øn¬ kz¿W-Øns‚hym]mcw \S-°p-∂Xv tUmf-dn-em-sW-∂n-cns° tUmf-dns‚ aqeyw Ipd-bp-∂Xv kz¿W hne Db-cm≥ klm-b-I-am-Wv. ]t£XpS¿∂pw ]en-i-\n-c-°p-Iƒ Ipd-bv°p-tam-

sb-∂Xp kw-_-‘n®v hy‡-amb Hcp kqN-\bpw sÛ-d¬ dnk¿hv sNb¿am≥ sPtdmw ]h¬ \¬In-bn-√.

BtKmf Xe-Øn¬ Ign™amk-ß-fn¬ tKmƒUv CSn-F- p-I-fn¬ KWy-amb \nt£]amWv\S-∂-Xv. C¥y-bnepw G]n¬H∂v apX¬ tKmƒUv CSn-F-^p-I-fnse \nt£]w Db-cp-I-bm-Wv.D’h kok-Wnse Unam‚pwh¿[n-X-amb \nt£] Xm¬∏-cyhpw kz¿W hne Db-cm≥ hgn-sbm-cp-°p∂ LS-I-ß-fm-Wv. kº-Zvhy-h-ÿ-bnse A\n-›n-XXzw i‡-am-Ip∂ kml-N-cy-Øn¬ kz¿W-Ønse \nt£]w

h¿[n-∏n-°p-I-bmWv slUvPv ^≠p-IƒsNøp-∂-Xv.

HmKÃv 22se- BkvXn hnhcw A\p-k-cn®v temIØnse G‰hpw henb tKmƒUv FIvkvtN©v tSUUv ≠mb Fkv-]n-Un B¿ tKmƒUv SÃns‚ ssIh-i-ap≈ kz¿Ww 894 SÆmbn h¿[n-®p. Ign™amk-ß-fn¬ KWy-amb h¿[-\-bmWv Fkv-]n-Un B¿ tKmƒUv SÃns‚ BkvXn-bn-ep-≠m-b-Xv. Hcp amk-Øn-\nsS A©v iX-am-\-Øn-tesd h¿[\ BkvXn-bn-ep-≠m-bn.

sh≈n-sh≈nbpsS cmPym¥c hnebnepw i‡-amb apt∂‰w Zriyambn. Hcp amkØn\nsSA©v iXam\Øntesd Db¿®-bmWvsh≈nbpsS hnebnep≠mbXv. kz¿Whnebnse apt∂-‰Øn\v ImcWamb LSIßƒ Xs∂bmWv sh≈nbpsS IpXn-∏n\pwhgn sh®Xv.

_mc-en\v 60 tUmf-dn\pw 70 tUmf-dn\pwCS-bn¬ IqUv Hmbn¬ hne Nm©m-Sp-∂-XmWv sk]v‰w-_dn¬ I≠-Xv. sk]v‰w-_¿BZy hm-c-Øn¬ _mc-en\v 59 tUmf-dn\vXmsg-bm-bn-cp∂ IqUv hne-bmWv 70 tUmf-dn\v apI-fn-te°v IpXn-®p-b-cp-Ibpw ]n∂oSv65 tUmf¿ \ne-hm-c-Øn¬ ÿnc-X-bm¿Pn-°p-Ibpw sNbvX-Xv. tUm¨ BI-aWwkuZn Atd-_y-bpsS FÆ D¬∏m-Z\w ]Ip-Xn-tbmfw Ipd-bm≥ Imc-W-am-bn. FÆ

D¬∏m-Z-\-Øn¬ ]Xn-Zn\w 57 e£w_mc-ens‚ Ipdhm-Wp-≠m-b-Xv. CXvtemI-Ønse samØw IqUv Hmbn¬D¬∏m-Z-\-Øns‚ 5iX-am\w hcpw.

d_¿d_¿ hne ho≠pw Nm©m- -Øn\v hnt[-

b-am-hp-I-bm-Wv. HmKÃv Ah-km\w Intem-Km-an\v 126 cq]-bnemWv B¿-F-kv-F-kv-F-kv-˛4 d_¿ hym]mcw sNbvXXv.

Hcp amkØn\ns-S Hcp Hu¨kv kz¿WØns‚hne-bn-ep-≠mb Ib-‰n-d°w (tUm-f-dn¬)

IqUv Hmbn¬


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TIME COUNTRY EVENTTIME COUNTRY EVENTOctober 1, 201910:30 AM INDIA Markit Manufacturing PMI SEP7:30 PM USA ISM Manufacturing PMI SEPOctober 3, 20197:30 PM USA ISM Non-Manufacturing PMI SEPOctober 4, 201911:45 AM INDIA RBI Interest Rate Decision6:00 PM USA Non Farm Payrolls SEP6:00 PM USA Balance of Trade AUGOctober 9, 201911:30 PM USA FOMC MinutesOctober 10, 20192:00 PM UK Balance of Trade AUG6:00 PM USA Inflation Rate YoY SEP6:00 PM USA Core Inflation Rate YoY SEPOctober 11, 20195:30 PM INDIA Industrial Production YoY AUG5:30 PM INDIA Manufacturing Production YoY AUG7:30 PM USA Michigan Consumer Sentiment Prel OCTOctober 14, 20198:00 AM CHINA Balance of Trade SEP8:00 AM CHINA Exports YoY SEP8:00 AM CHINA Imports YoY SEP12:00 PM INDIA WPI Fuel YoY SEP12:00 PM INDIA WPI Manufacturing YoY SEP12:00 PM INDIA WPI Food YoY SEP12:00 PM INDIA WPI Inflation YoY SEP5:30 PM INDIA Inflation Rate YoY SEP

October 15, 20197:00 AM CHINA Inflation Rate YoY SEP2:00 PM UK Claimant Count Change SEP5:30 PM INDIA Balance of Trade SEPOctober 16, 20192:00 PM UK Inflation Rate YoY SEP6:00 PM USA Retail Sales MoM SEPOctober 18, 20197:30 AM CHINA GDP Growth Rate YoY Q3October 21, 20197:00 AM CHINA Loan Prime Rate 1YOctober 23, 20197:30 PM EUROPE Consumer Confidence Flash OCTOctober 24, 20195:15 PM EUROPE ECB Interest Rate Decision6:00 PM EUROPE ECB Press Conference6:00 PM USA Durable Goods Orders MoM SEPOctober 30, 20193:30 PM EUROPE Business Confidence OCT6:00 PM USA GDP Growth Rate QoQ Adv Q311:30 PM USA Fed Interest Rate DecisionOctober 31, 20195:31 AM UK Gfk Consumer Confidence OCT6:30 AM CHINA NBS Manufacturing PMI OCT3:30 PM EUROPE GDP Growth Rate QoQ Flash Q36:00 PM USA Personal Income MoM SEP6:00 PM USA Personal Spending MoM SEP


Fkv-sF]n

ê-]-Z-amIm≥

^≠v anI-®-Xm-IWwFkv-sF]n \jvS-ap-≠m-°p-∂ Nne ]tXyI kml-N-cy-ßsf

Zo¿L-Ime \nt£-]-Øn-eq-sSbpw anI® ^≠p-I-fpsS

Xnc-s™-Sp-∏n-eq-sSbpw AXn-Po-hn-°m-\m-Ipw.

Zo¿L-Im-em-Sn-ÿm-\-Øn¬ Hmlcn hn]-Wnbn¬ \n∂v t\´w sImøm≥ th≠n-bmWvFkv-sF]n (kn-Ã-am-‰nIv C≥sh-Ãvsa‚ vπm≥) t]mep≈ \nt£] coXn-Iƒ Ah-ew-_n-°p-∂-Xv. F∂m¬ ≠p-I-fpsS ]I-S\w tami-am-Ip-∂Xpw Hmlcn hn]Wn CSnhv t\cn-Sp-∂Xpw t]mep≈ ]Xn-Iqe LS-I-ßƒ \nt£]w lkz-Im-em-Sn-ÿm-\-Øn¬ e-]-Z-am-ImsX t]mIp-∂-Xn\v Imc-W-am-Imw. ]t£ CØcw kml-N-cy-ß-fn¬\ncm-i-cm-ImsX \nt£-]sØ e£y-ß-fp-ambn _‘n-∏n-°p-Ibpw e£yw ssIh-cn-°p-∂-Xn-\p≈ Ime-b-fhv hsc \nt£]wXpS-cp-I-bp-amWv th≠-Xv. amX-hp-a-√, CS-°m-e-Øp-≠m-Ip∂ CSnhv Ipd™ sNe-hn¬ bqWn-‰pI-ƒ hmßp-∂-Xn\pw AXp-hgnZo¿L-Im-em-Sn-ÿm-\-Øn¬ t\ -ap-≠m-°p-∂-Xn\pw hgn-sbm-cp-°pw.

DZm-l-c-W-Øn\v dne-b≥kv SmIvkv tkh¿ ≠n¬ aq∂v h¿j-ambn Fkv-sF]nhgn \nt£]w \S-Øp-∂-h¿ \jvS-amWvt\cn-Sp-∂-Xv. 2017 HIvtSm-_¿ H∂v apX¬2019 sk]v‰w-_¿ H∂v hsc 36,000 cq] (]Xn-amkw Bbn-cw cq]) \nt£-]n® Hcm-fpsS \nt£-]-aqeyw sk]v‰w-_¿ ]Øn\v30,051 cq]-bm-bn-cn-°pw. GI-tZiw 6000 cq]-bpsS \jvS-amWv C°m-e-b-f-hn¬ kw`-hn-®-Xv. AtX kabw aq∂v h¿jw apºv 7.25iX-am\w \nc-°n¬ 1000 cq] hoXw sd°-dnMv sUt∏m-kn-‰n¬ \nt£-]n® Hcmƒ°v36 amk-Øn\p tijw e`n-°p-∂Xv 40,323cq]-bm-bn-cn-°pw.

kzm`m-hn-I-ambpw Cu Xmc-Xayw Fkv-sF]n \nt£]w \S-Øn-b-hsc \ncm-i-s∏-Sp-Øp-∂Xv kzm`m-hn-Iw. ]t£ Fkv-sF]n\jvS-ap-≠m-°p-∂ Nne ]tXyI kml-N-cy-ßsf Zo¿L-Ime \nt£-]-Øn-eq-sSbpwanI® ≠p-I-fpsS Xnc-s™-Sp-∏n-eq-sSbpwAXn-Po-hn-°m-\m-Ipw. DZm-l-c-W-Øn\v BIvknkv temwKv tSw CIzn‰n F∂ SmIvkvtkh¿ ≠n¬ kam-\-amb Ime-b-f-hn¬\nt£]w \S-Øn-b-h¿°v \jvSw kw`-hn-®n-ń-√. 2016 HIvtSm-_¿ H∂v apX¬ 2019sk]v‰w-_¿ H∂v hsc 36,000 cq] (]Xn-

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amkw Bbn-cw cq]) \nt£-]n® Hcm-fpsS \nt£-]-aqeyw sk]v‰w-_¿ ]Øn\v 39,551 cq]-bm-bn-cn-°pw. Zo¿L-Im-em-Sn-ÿm-\-Øn¬ Cu^≠v IqSp-X¬anI® t\´-amWv \¬In-bn-´p-≈-Xv. Ign™ A©v h¿jIme -b -f -hn¬ Fkv-sF]n hgn60,000 cq]\nt£-]n®Hcmƒ°v e`n® t\´w 74,803cq]-bm-Wv.

Hmlcn hn]WnbpsS ]I-S\w tami-am-Ip-∂-Xn\v ]pdsa^≠p-I-fpsS Xnc-s™-Sp-∏n¬ kw -hn-°p∂]ng-hp-Ifpw Fkv-sF]n hgn-bp≈ \nt£-]sØ ]Xn-Iq-e-ambn _m[n-°m-hp-∂-Xm-Wv. DZm-l-c-W-Øn\v dne-b≥kv SmIvkvtkh¿ ≠v Xmgv∂ \ne-bn-ep≈ td‰nMv

amX-ap≈ ≠m-Wv. ]apJ ayqNz¬ ≠vKth-jW ÿm]-\-amb hmeyp-dn -k¿®v.tImw Cu ^≠n\v \¬In-bn-cn-°p∂XvknwKnƒ Ãm¿ td‰nMv B-Wv. hnhn[ Ime-b-f-hp-I-fpsS ASn-ÿm-\-Øn¬ ]cn-tim-[n-®m¬ SmIvkv tkhnwKv πm\p-I-fpsS icm-i-cn-tb-°mƒ Xmgv∂ ]I-S-\-amWv Cu ≠vImgvN sh®-Xv.

Ign™ A©v h¿j-Øn-\nsS SmIvkvtkhnwKv πm\p-I-ƒ 7.78 iX-am\w icm-icn]Xn-h¿j t\´w \¬In-b-t∏mƒ Cu ≠v\¬In-bXv 2.75 iX-am\w t\´w amX-am-Wv.AXp-t]mse Ign™ aq∂v h¿j Ime-b-f-hn¬ SmIvkv tkhnwKv πm\p-I-ƒ 5.16 iX-am\w icm-icn ]Xn-h¿j t\´w \¬In-b-t∏mƒ Cu ≠v \¬In-bXv 2.12 iX-am\w\jvS-amWv.

^≠p-I-fpsS anIhv Fkv-sF]n ê-]-Z-am-Ip-∂-Xn¬ ][m\ LS-I-am-Wv. e£y-_-‘n-X-ambn \nt£]w \S-Øp-∂-h¿°vFkv-sF]n hgn Zo¿L-Im-em-Sn-ÿm-\-Øn¬at‰Xv \n›nX hcp-am\ ]≤-Xn-tb-°mfpwanI® t\ -ap-≠m-\m-Ipw.

^≠p-I-fpsS Xnc-s™-Sp-∏n¬ kw -hn-°p∂ ]ng-hp-Iƒ Fkv-sF]n hgn-bp≈\nt£-]sØ ]Xn-Iq-e-ambn_m[n-°m-hp-∂-Xm-Wv. DZm-l-c-W-Øn\v Fkv-sF]n hgn\nt£-]w \S-Øn-b-h¿°v\jvSw \¬Inb dne-b≥kvSmIvkv tkh¿ ^≠v Xmgv∂\ne-hmc-Øn-ep≈ td‰nMvamX-ap≈ ^≠m-Wv.



Hmlcn hn]-Wn-bn¬ Fßs\

\nt£]w \S-ØWw?Hmlcn \nt£-]-am-bmepw ayqNz¬ ^≠v \nt£-]-am-bmepw AXv sNøp-∂Xn\v hnZ-Kv[-cpsS

tkh\w tXSpI Xs∂ thWw. anI® AssUz-k-dpsS klm-b-tØmsS amXta icn-bmb

\nt£] Xocp-am-\-ß-sf-Sp-°m≥ km[m-c-W-°m¿°v km[n-°q.

Hmlcn hn]Wnbnte°v sNdp-InS \nt£-]-I¿ IqSp-X-embn BIr-jvS-cm-Ip-∂-XmWvImWp-∂-Xv. Hmlcn t]mep≈ [\-ImcyBkvXn-I-fpsS aqeyw sNdp-InS \nt£-]-I-cn¬ sNdn-sbmcp iX-am\w t]sc-¶nepwXncn-®-dn™p XpS-ßn-bn-cn-°p-∂p-sh∂Xv\√ kqN-\-bm-Wv. ]t£ Hmlcn \nt£]w Fßs\ sNø-W-sa-∂Xv F√m-bvt∏mgpw\nt£-]-Isc Ipg-°p∂ tNmZy-am-Wv. t\cn vHml-cn-I-fn¬ \nt£-]n-°p-∂-Xm-tWmAtXm ayqNz¬ ≠p-I-fpsS am¿Kw tXSp-∂-XmtWm \√-sX∂ kwibw kzm`m-hn-I-am-Wv.

Hmlcn \nt£-]-am-bmepw ayqNz¬^≠v \nt£-]-am-bmepw AXv sNøp-∂Xn\vhnZ-Kv[-cpsS tkh\w tXSpI Xs∂ thWw.AssUz-k-dpsS klm-b-tØmsS amXtaicn-bmb \nt£] Xocp-am-\-ß-sf-Sp-°m≥km[m-c-W-°m¿°v km[n-°q. AXn\v apºvBZyw sNtø-≠Xv Hmlcn \nt£-]hpwayqNz¬ ≠v \nt£-]hpw XΩn-ep≈ hyXymkw F¥m-sW∂v hy‡-ambn Xncn-®-dn-bpIbmWv. c≠v coXn-I-fp-sSbpw kz`m-h-Ønepw Dt±-iy-Øn-ep-ap≈ hyXymkw Xncn-®-dn-bp-I-sb-∂Xv \nt£-]-Isc kw_-‘n®vhfsc ][m-\-s∏´ Imcy-am-Wv. Cu hy

]w ]n≥h-en®v em -sa-Sp-°p-∂-Xns\ Ipdn®vNn¥n-°pI kzm`m-hn-I-am-Wv. hfsc sNdnbka-b-Øn-\p-≈n¬ anI® em`w Inń-bt√mF∂ Nn¥-bmIpw \nt£-]-Is\ \bn-°p-∂-Xv. F∂m¬ ]n∂oSv Cu ]Ww F¥vsNøpw? as‰mcp Hml-cn-bn¬ \nt£-]n®v\jvS-amWv t\cn-Sp-∂-sX-¶n¬ t\csØem`w e`n-®-Xns‚ BÀm-Zw C√m-Xm-Ipw.Cßs\ hmßnbpw hn‰pw apt∂m´p t]mIp-∂-Xn-\n-S-bn¬ FX-tØmfw em -amWv Hcpkm[m-cW \nt£-]-I\v D≠m-°m-\m-Ip-I?\nßƒ Hcp s]m -j-W¬ tSU-d-s√-¶n¬Cu coXn-bn-eq-sS XpS¿®bmbn em -ap-≠m-°pI F∂Xv Gsd ]bm-k-I-c-amb coXn-bm-Wv.

F¥n-\mWv \nt£-]n-°p-∂-sX∂ tNmZy-Øn\v icn-bmb DØcw Is≠-Øn-bm¬\nßƒ°v icn-bmb \nt£] coXnbpw Is≠-Øm-\m-Ipw. \nt£]w e-]-Z-am-Ip-∂-Xn\v PohnXe£yßfp-ambn _‘n-∏n-°pIsb∂Xv hfsc ][m-\-am-Wv. hcp-am-\-Øn¬ \n∂pw \mw kºm-Zy-ambn Is≠-Øp∂ an®-[\w D]-tbm-Kn-®mWv Pohn-X-Ønse hnhn[ e£yßƒ km£m¬°-cn-°p-∂-Xv. Ipń-I-fpsS hnZym- ym-kw, hnhm-lw, dn -b¿sa‚ v Pohn-X-Ønse hcp-am\w

Xymkw a\-kn-em-°p-∂-Xn\v apºv as‰m∂vsNtø-≠Xp-≠v. Xm≥ F¥n-\mWv \nt£-]n-°p-∂-sX∂ tNmZy-Øn\v \nt£-]-I≥kzbw DØcw Is≠-ØWw.

Hmlcn hn]-Wn-bn¬ \nt£-]n-°p∂Hcmƒ Hcp amk-Øn-\p-≈n¬ ]tØm ]Xn\t©m iX-am\w t\´w e`n-®m¬ \nt£

slUvPv Hmlcn HIvtSm-_¿ 2019

F¥n-\mWv \nt£-]n-°p-∂-sX∂ tNmZy-Øn\v icn-bmbDØcw Is≠-Øn-bm¬ \nßƒ°v icn-bmb \nt£]coXnbpw Is≠-Øm-\m-Ipw.\nt£]w ê-]-Z-am-Ip-∂-Xn\v PohnXe£yßfp-ambn_‘n-∏n-°pIsb∂Xv hfsc ][m-\-am-Wv. an®-[\w D]-tbm-Kn-®mWv \mw hnhn[ e£yßƒ km£m¬°-cn-°p-∂-Xv.

Class Room

30


XpS-ßnb hnhn[ e£yßƒ km£m¬°-cn-°p-∂-Xn-\mbn \nt£]w \S-Øp∂ HcmƒCu e£y-ß-fn-te-°p≈ Ime-b-fhv IW-°m-°n-bmWv \nt£]w \S-tØ-≠-Xv. ]Øvh¿j-Øn\p tijw aI-fpsS D∂X hnZym-`ym-kw, 20 h¿j-Øn\p tijw hnhm-lw,25 h¿j-Øn\p tijw Xs‚ dn´-b¿sa‚ vF∂n-ßs\bp≈ e£y-ßfpw Ime-b-fhpwXocp-am\n-®p-I-gn-™m¬ FX XpI \nt£]n°Wsa∂pw \nt£]Øn¬ \n∂vFXtØmfw t\´w BhiyamsW∂pap≈ImcyØn¬ hy‡-X-bp-≠m-Ipw.

Xo¿®-bmbpw Hml-cn-Iƒ kºØv hf¿Øp-∂-Xn-\p≈ anI® am¿K-am-Wv. Npcp-ßnb Ime-b-f-hn-\p-≈n¬ ]e aS-ßv t\´w \¬Inb Hml-cn-I-fp-≠v. F∂m¬ CØcw Hml-cn-Iƒ Is≠-Øp-I-sb-∂Xv km[m-cW \nt£-]Is\ kw_-‘n®v ZpjvI-c-amb G¿∏m-Sm-Wv. _nkn-\-kp-Isf _m[n-°m-hp∂hnhn[ ]iv\-ßsf Ipdn®v hni-I-e\wsNøm\pw IrXy-amb Xocp-am-\-ß-sf-Sp-°m\pw km[n-°mØ km[m-c-W-°m¿°v Hmlcn \nt£]w ssIImcyw sNøpI Ffp-∏-a-√. hnhn[ e£y-ßƒ ssIh-cn-°p-∂-Xn-\mbn ]Xn-amk ASn-ÿm-\-Øn¬ ÿnc-ambn \nt£-]n-°p∂ coXn ]n¥p-S-cp-∂-h¿°v hn]-Wntbm Hml-cn-Itfm Ftßm- mWv\oßp-∂-sX∂v t\m°n Xocp-am-\-ß-sf-Sp-°m-\p-am-In-√. C∂v anI® ]I-S\w \S-Øp∂ taJ-e-bm-In√ \msf anIhv ]pe¿Øp-∂-sX-∂n-cns° _nkn-\-knse A]-h-N-\o-b-Xbv°v A\p-k-cn®v t]m¿´vt^m-fntbm_me≥kv sNøpI F∂Xv km[m-cW\nt£-]-I\v Ffp-∏-ap≈ Imcy-a-√.

ayqNz¬ ≠p-Iƒ Hcp anI® \nt£]D]-I-c-W-am-Ip-∂Xv Cu ]›m-Ø-e-Øn-em-Wv. ayqNz¬ ^≠p-Ifn¬ \nt£-]-I≥

Hml-cn-Iƒ hmßp-∂Xv Hcp_nkn-\kns‚ `mK-am-Ip-∂-Xn\v Xpey-am-Wv. Hcp Iº-\n-bpsS _nkn-\-knse hf¿®tbm Xf¿®tbm Hml-cn-bpsS hne-bnepw ]Xn- -en-°pw.\ymb-amb hne-bn¬ hmßm-hp∂ anI® _nkn-\kn¬]¶mfnbmIp∂Xp t]msebmIWw Hmlcn \nt£]sØ kao]nt°≠Xv.

Xs‚ kºmZyw ssIImcyw sNøm≥ hnZ-Kv[-\mb Hcp ≠v amt\-Psd G¬∏n-°p-I-bmWv sNøp-∂-Xv. Hmtcm Ime-sØbpwHmlcn hn]-Wn-bpsS KXn-hn-K-Xn-Iƒ°v A\p-k-cn®v \nt£] A\p-]mXw Iao-I-cn®pw BkvXn-I-fpsS ]p\¿hn-\ymkw \S-Ønbpw ^≠v amt\-P-dmWv Fßs\ \nt£]w \S-Ø-W-sa∂v Xocp-am-\n-°p-∂-Xv. AtXkabw ayqNz¬ ≠p-Iƒ Xnc-s™-Sp-°p-∂-Xnepw AssUz-k-dpsS tkh\w Bh-iy-am-Wv.

AssUz-k-dpsS tkh\w kzoI-cn®v Hmlcn \nt£-]hpw \S-Øm-at√m F∂ tNmZyw kzm`m-hn-I-am-Wv. ayqNz¬ ≠p-I-fmWvkm[m-c-W-°m¿°v A\p-tbm-Py-sa∂XpsIm≠v Ah¿ Hmlcn \nt£-]sØ ssIsbm-gn-b-W-sa∂v A¿∞-an-√. hnZ-Kv[-cpsSklm-b-tØmsS Hml-cn-I-fnepw \nt£]w\S-Øm-hp-∂-Xm-Wv. ]t£ amk-h-cp-am-\-°m-

Hcp Iº-\n-bpsS Hmlcn Xnc-s™-Sp-Øv \nt£-]n-®p-sh-∂-Xp-sIm≠v \nt£-]-Is‚tPmen ]q¿Øn-bm-Ip-∂n-√. Iº-\n-bpsS_nkn-\-kns\ Ipdn®v IqSp-X-embn a\-kn-em-°p-Ibpw _nkn-\kv \S-Øn-∏n¬ Iº\nFX-tØmfw hnP-b-I-c-ambn apt∂m- p-t]m-Ip-∂p-sh∂v hne-bn-cp-Øp-Ibpw sNtø-≠Xv\nt£-]-Is‚ _m[y-X-bm-Wv.

anI® _nkn-\kv \S-Øp∂ Hcp Iº-\n-bpsS Hmlcn sNehv Ipd™ \nebn¬e`n-°p-tºmƒ hmßp-I-sb-∂Xp t]mse hfsc sNe-th-dnb \ne-bn-se-Øp-tºmƒ em -sa-Sp-°m\pw \nt£-]-I¿ i≤n-°-Ww. HcpHmlcn \S∏p kmº-ØnI h¿jw ]Xo-£n-°p∂ ]Xn Hmlcn hcp-am-\-Øns‚ 20 aS-ßn¬ hym]mcw sNøp-tºmƒ hmßnb Hcmƒ°v Hcp h¿j-Øn\p tijw AXv 25 aS-ßn¬ hym]mcw sNøp-tºmgpw sNe-th-dnb\ne-bn-em-sW∂v Icp-tX-≠-Xn-√. F∂m¬\S∏p kmº-ØnI h¿jw ] Xo-£n-°p∂]Xn Hmlcn hcp-am-\-Øns‚ 50- 55 aS-ßn¬hym]mcw sNøp∂ Hcp Hmlcn sNe-th-dnb \ne-bn-em-sW∂ A\p-am-\-Øn-se-Øm-hp-∂-Xm-Wv. AØ-c-samcp kml-N-cy-Øn¬Db¿∂ ]oanbw e`n-°p-tºmƒ hns‰m-gn-bpI F∂ \ne-]m-Sns‚ ASn-ÿm-\-Øn¬`mKn-I-ambn em -sa-Sp-°m-hp-∂-Xm-Wv.

Zo¿L-Ime \nt£-]-sa∂ \ne-bn¬Hml-cn-Iƒ hmßp-Xn\v _nkn-\-kv, aqeyw,amt\-Pvsa‚ v, hcp-am\w F∂o \mev LS-I-ß-fpsS ASn-ÿm-\-Øn-em-IWw Xocp-am-\-sa-Sp-t°-≠-Xv. CØ-c-Øn¬ Hml-cn-Isfkao-]n-°p-∂-h¿°v ayqNz¬ ≠pI-fnseFkv-sF]n hgn-bp≈ \nt£-]-Øn\v ]pdsa aqt∂m At©m h¿j Ime-b-fhv ap∂n¬ I≠v Hmlcn \nt£]w \S-Øm-hp-∂-Xm-Wv.

slUvPv Hmlcn HIvtSm-_¿ 2019

cmb km[m-c-W-°m¿°vPohn-X-e-£y-ßƒ ap≥\n¿Øn Fkv-sF]nbneqsS \nt£]w \S-Øp-∂-Xn\v A\p-tbmPyw ayqNz¬ ≠p-I-fm-Wv. Hml-cn-I-fn¬ \nt£-]n-°m≥IqSn Xm¬∏-cy-ap-≈-h¿°vas‰mcp coXnbpw \ne-]mSpw ]Xn-_-≤-Xbpw Bh-iy-am-Wv.

Hml-cn-Iƒ hmßp-∂Xv Hcp _nkn-\kns‚ mK-am-Ip-∂-Xn\v Xpey-am-Wv.Hcp Iº-\n-bpsS _nkn-\-knse hf¿®tbm Xf¿®tbm Hml-cn-I-fpsS hne-bnepw ]Xn-^-en-°pw.

\ymb-amb hne-bn¬hmßm-hp∂ anI® _nkn-\kv F∂ coXn-bn¬BIWw Hmlcn hmßp-∂-Xns\ \nt£-]-I¿ ImtW-≠-Xv. Hcp AssUz-k-dpsS D]-tZ-i-a-\p-k-cn®v

31


CFw-sFbpw ]oan-bhpw

Ipd-bv°m≥ Nne am¿K-ßƒ`h\ hmbv]-bpsS CFw-sF, C≥jp-d≥kv ]oanbw XpS-ßn-b-hsb sNe-hp-I-fm-bmWv IW-°m-t°-≠-Xv.

Cu sNe-hp-Iƒ Ipd-bv°m≥ km[n-®m¬ IqSp-X¬ \nt£-]n-°m-\p≈ hgn-sbm-cp-ßpw.

\nt£-]-Ønepw C≥jp-d≥knepw hmbv]-bpsS Xncn-®-S-hnepw Nne Imcy-ßƒ i≤n-®m¬ \nß-ƒ°v IqSp-X¬ kºm-Zn-°m≥]‰pw. C≥jp-d≥kv ]oan-b-Ønepw hmbv]-bpsS CFw-sF-bnepw hcp-Øp∂ sNdnbam‰-ßƒ Zo¿L-Im-em-Sn-ÿm-\-Øn¬ \nßƒ°v \s√mcp XpI em`n-°p-∂-Xn\v hgn-sbm-cp-°pw.

tSw t]mfnkn FSp-°p-tºmƒ AXv Bh-iy-amb Ime-b-f-hn-te°v amX-ambn FSp-°p-I-bm-sW-¶n¬ ]oanbw Ipd-bv°m-\m-Ipw.tPmen sNbvXv \nßƒ hcp-am-\-ap-≠m-°p∂ ImeØv A]-Xo-£n-X-ambn acWwkw`-hn-®m¬ IpSpw-_-Øn\v kmº-ØnI]n¥pW e`n-°p-∂-Xn\v th≠n-bmWv tSwt]mfnkn FSp-°p-∂-Xv. AXp-sIm≠p Xs∂dn´-b¿sa‚n\p tijw tSw t]mfn-kn-bpsSIh-tdPv Bh-iy-an-√. \nßƒ tPmen sNøp∂ Ime-b-f-hn¬ amXta tSw t]mfn-kn-bpsS Ih-tdPv Bh-iy-ap-≈q. ]ecpw C°mcyw Hm¿°msX Zo¿L-amb Ime-b-f-hn-te°vtSw t]mfnkn FSp-°m-dp-≠v. AtX kabwtPmen sNøp∂ Ime-b-f-hn-te°v amXambnt]mfnkn FSp-Øm¬ ]oanbw Ipd-bv°m-\m-Ipw.

Financial Planning

DZm-l-c-W-Øn\v 35 hb-kp≈ Hcmƒ 55hb-kn-emWv hnc-an-°p-∂-sX-∂n-cn-°-s´.Abmƒ°v 20 h¿j-tØ°v tSw t]mfnknFSp-Øm¬ aXn-bm-Ipw. Hcp tImSn cq] kwAtjz¿tUmsS 20 h¿j-tØ°v sFkn-sFknsF ]qU≥jy¬ sse^v C≥jp-d≥kns‚ tSw t]mfnkn Hm¨sse-\n¬ FSp-Øm¬ hcp∂ ]oanbw 11,447 cq]-bm-Wv.AtX kabw Abmƒ 35 h¿j-tØ-°mWvt]mfnkn FSp-°p-∂-sX-¶n¬ \¬tI≠hm¿jnI ]oanbw 14,675 cq]-bm-Wv. AXm-bXv dn´-b¿sa‚n\p tijw ]Øv h¿j-tØ°v IqSn Ih-tdPv Zo¿Ln-∏n-®n-em¬A[n-I-ambn hcp∂ ]Xn-h¿j ]oanbw3228 cq]-bm-Wv. 35 h¿j-tØ°v t]mfnknFSp-Øm¬ 2,84,685 cq] A[n-I-ambn \¬I-Ww. t]mfnkn Ime-b-fhv 20 h¿j-ambnIpd-®m¬ CXbpw XpI Abmƒ°v em`n-°m-\m-Ipw.

`h\ hmbv]-bpsS ]en-i-\n-c°v sIUn‰v kvtImdp-ambn _‘-s∏- mWv \n›-bn-°-s∏-Sp-∂-Xv. _m¶v hmKvZm\w sNøp∂ G‰hpw Ipd™ ]eni \nc°v e`n-°-W-sa-

¶n¬ \nß-fpsS sIUn‰v kvtIm¿ anI-®Xm

tPmen sNøp∂ Ime-b-f-hn-¬amXta tSw t]mfn-kn-bpsSIh-tdPv Bh-iy-ap-≈q. ]ecpw C°mcyw Hm¿°msX Zo¿L-amb Ime-b-f-hn-te°v t]mfnkn FSp-°m-dp-≠v. tPmensNøp∂ Ime-b-f-hn-te°vamXambn t]mfnkn FSp-Øm¬ ]oanbw C\-Øn-ep≈sNehv Ipd-bv°m-w.

bn-cn-°-Ww. sIUn‰v kvtIm¿ 750\v apI-fn-ep-s≠-¶n¬ dnkvIv Ipd™ D]-t`m-‡m-°-fm-bmIpw \nßƒ ]cn-K-Wn-°-s∏-Sp-I. 800\vapI-fn-emWv kvtIm¿ F¶n¬ \nßƒ°vG‰hpw Xmgv∂ ]eni \nc-°n¬ Xs∂ hmbv] e`y-am-Ipw.

DZm-l-c-W-Øn\v \nßƒ 20 h¿j-tØ°vFkv_n-sF-bn¬ \n∂v Fwkn-F¬Bdn(am¿Pn-\¬ tImÃv Hm v se‚nMv td‰v)s\ASn-ÿm-\-am°n 75 e£w cq]-bpsS `

h\ hmbv] FSp-°p∂p F∂v Icp-Xp-I. \nßƒ 800\v apI-fn¬ sIUn‰vkvtImdp≈ ]pcp-j-\m-sW-¶n¬ 8.65iX-am-\-Øn\v \nßƒ°v hmbv] e`n-°pw.

AtX kabw \nß-fpsS sIUn‰vkvtIm¿ 800\v Xmsg-bm-

sW-¶n¬ 8.75 iX-am-\-Øn-\m-bn-cn°pw]eni e`n-°p-∂-Xv. 8.65 iX-am-\-Øn\v hmbv] FSp-Øm¬ \¬tI≠n hcp∂ sam

Øw ]eni 82.92e£w cq]-bm-bn-cn-

°pw. AtX kabw 8.75iX-am-\-Øn-\m-Wv hmbv] e`y-am-Ip-∂-sX-¶n¬ 84.07 e£w cq] ]en-i-bmbn \¬tI-≠n hcpw. AXm-bXv 0.10 iX-am\w ]eniIpd-™m¬ \nßƒ°v ]eni C\-Øn¬20 h¿jw sIm≠v em`n-°m-\m-Ip-∂Xv 1.15



e£w cq]-bm-Wv.

AXp-sIm≠v sIUn‰vkvtIm¿ G‰hpw anI® \nebn¬ \ne-\n¿Øm≥Ft∏mgpw i≤n-°p-I.sIUn‰v Im¿Uv _n√p-Ifpw CFw-sFbpw IrXy-k-a-bØv AS-®p-Xo¿Øm¬ sIUn‰v kvtIm¿ sa®-s∏-Sp-Øm≥km[n -°pw._m¶p-I-fn¬\n∂pw [\-Im-cy ÿm]-\-ß-fn¬\n∂pw tiJ -c n -°p∂hy‡n-I-fpsS ap≥Imehmbv] kw_-‘n® hnh-c -ßƒ, hmbv]-I-fpsS Xncn-®-Shvkw_-‘n® hni-Zmw-i-ßƒ Ch-sb√mw ]cn-K-Wn-®mWvsIUn‰v _yqtdm-IƒsIUn‰v lnÃdn Xbm-dm°p-∂Xv. h-\-hm-bv], hml\hmbv], hy‡n-KX hmbv], sIUn‰v Im¿Uvhmbv] XpS-ßnb F√m Xcw hmbv]-I-fp-sSbpw hni-Zmw-i-ßƒ sIUn‰v _yqtdm-IƒtiJ-cn-°p-∂p-≠v. CØcw hni-Zmw-i-ß-sf√mw Dƒs∏´ hmbv]m Ncn-X-Øns‚ ASn-ÿm-\-ØnemWv sIUn‰v _yqtdm-Iƒ sIUn‰v kvtIm¿ \n¿W-bn-°p-∂-Xv.

`h\ hmbv]-bpsS ]en-i-\n-c°v CSn-bp∂ ]h-W-X-bmWv Ct∏mƒ \ne-hn-ep-≈-Xv. AtX kabw Xma-kn-bmsX ]eni\nc-°ns‚ CSn-hns‚ NIw Ah-km-\n-°m-\mWv km[y-X. ]eni \nc°v ho≠pw Db¿∂p XpS-ßp-tºmƒ CFw-sF-bnepw h¿[-\-bp-≠m-Ipw. -\n-c°v h¿[n-°p-tºmƒ ]eni C\-Ønse sNehv Ipd-bv°m-\mbn hmbv]-bpsS Ime-b-fhv Ipd-bv°m-hp-∂-Xm-Wv.

DZm-l-c-W-Øn\v 8.50 iX-am\w \nc-°n¬50 e£w cq]-bpsS h\ hmbv] 20 h¿j-tØ°v FSp-°p-I-bm-sW-¶n¬ 54.14 e£wcq]-bm-bn-cn°pw AS-bvt°≠ samØw ]en-i. 43,391 cq]-bm-bn-cn°pw CFw-sF. AtXkabw ]eni \nc°v 8.75 iX-am-\-ambn Db¿∂m¬ hmbv]m Ime-b-fhv 21 h¿j-tØ°v Zo¿Ln-∏n-°p-I-bmWv sNøp-I. CXp-hgn]eni C\-Øn-ep≈ sNehv 59.41 e£wcq]-bmbn Db-cp-∂p. AXm-bXv ]eni C\-Øn¬ A[n-I-ambn \¬tI≠ XpI 5.27e£w cq]-bm-Wv.

AtX kabw CFwsF sNdnb tXmXn¬ h¿[n-∏n-°p-I-bm-sW-¶n¬ \nßƒ°vhmbv]m Ime-b-f-hn-\nsS henb XpI em`n-

`h\ hmbv]-bpsS ]en-i-\n-c°v sIUn‰v kvtImdp-ambn_‘-s∏-´mWv \n›-bn-°-s∏-Sp-∂-Xv. 800\v apI-fn-emWv kvtIm¿ F¶n¬ \nßƒ°v G‰hpw Xmgv∂ ]eni\nc-°n¬ Xs∂ hmbv] e`y-am-Ipw.anI®sIUn‰v kvtIm¿]eni C\-Ønep≈ sNehvIpd-bm≥ klm-bn-°pw.

°m-\m-Ipw. DZm-l-c-W-Øn\v CFwsF 43,391cq]-bn¬ \n∂pw 44,186 cq]-bmbn h¿[n-∏n-°p∂p F∂n-cn-°-s´. 795 cq]-bmWv ]Xn-amkw CFwsF C\-Øn¬ A[n-I-ambn\nßƒ \¬tI≠n hcp∂ XpI. \nßƒ\¬tI≠ samØw ]eni C\-Øn-ep≈sNehv 56.04 e£w cq]-bm-bn-cn-°pw. CXphgn samØw 3.49 e£w cq]-bmWv \nßƒ°v ]en C\-Øn¬ em`n-°m-\m-Ip-∂-Xv.

BtcmKy C≥jp-d≥kv t]mfn-kn-bpsS]oanbw km[m-cW \ne-bn¬ Hcp h¿j-tØ-°mWv AS-bv°p-∂-Xv. CXv ct≠maqt∂m h¿j-tØ°v AS-bv°m\pw Ah-k-c-ap-≠v. Cßs\ sNøp-tºmƒ ]oanbw C\-

Øn-ep≈ sNehv Ipd-bv°m-\m-Ipw.

DZm-l-c-W-Øn\v 36 hb-kp≈ HcmƒA©v e£w cq] Ih-td-Pp≈ sFkn-sF-knsF ew_m¿Uns‚ BtcmKy C≥jp-d≥kv t]mfnkn FSp-°p-I-bm-sW-¶n¬ 5513cq]-bm-bn-cn°pw ]oan-bw. Abmƒ ASpØh¿jw 37-- mw hb-kn¬ ]oanbw AS-bv°p-tºmƒ CXv 7032 cq]-bmbn Db-cpw. AXm-bXv c≠v h¿j-tØ°v AS-bvtt°≠nhcp∂ XpI 12,545 cq]. AtX kabw 36hbkn¬ c≠v h¿j-tØ°v t]mfnkn FSp-°p-I-bm-sW-¶n¬ 9924 cq] ]oanbw \¬In-bm¬ aXn-bm-Ipw. 2621 cq]-bm-Wv ]oanbwC\-Øn¬ em`n-°m-\m-Ip-∂-Xv. AXm-bXv20.81 iX-am\w XpI em`n-°m-\m-Ip-∂p.

Btcm-Ky-amWv kºØv F∂m-Wt√m]am-Ww. BtcmKyw tami-am-Ip-∂Xv \nß-fpsS bYm¿∞ kºØv Ipd-bp-∂-Xn\pwImc-W-am-Ipw. C≥jp-d≥kv ]oanbw \nß-fpsS Btcm-KysØ IqSn Bi-bn-®mWv Ccn-°p-∂-Xv.

DZm-l-c-W-Øn\v 35 hb-kp≈ Hcmƒ°v5500- 6500 cq]-bm-bn-cn°pw BtcmKy C≥jp-d≥kv ]oan-bw. AtX kabw Abmƒ°v]talw t]mep≈ Pohn-X-ssien tcmK-ß-fp-s≠-¶n¬ ]oan-b-Øn¬ 30 iX-am\wapX¬ 300 iX-am\w hsc h¿[-\-bp-≠m-Imw. BtcmKy C≥jp-d≥kv Iº-\n-bpsS\b-ßƒ°v A\p-k-cn-®m-bn-cn°pw ]oanbw\n›-bn-°-s∏-Sp-∂-Xv.



\nt£-]-Øn-eqsS 30 h¿j-Øn\p tijw Hcp tImSn cq]kºm-Zn-°pI F∂ e£y-hp-ambn apt∂m- p-t]m-Ip∂ Hcmƒ°v Xm≥ hen-sbmcp XpI-bmWv kºm-Zn-°m-\mbn Bkq-XWw sNbvXn-cn-°p-∂-sX∂vtXm∂m-sa-¶nepw `mhn-bnsePohn-X-B-h-iy-ßƒ \nd-th-‰m≥ t]mepw B XpI ]cym-]vX-am-bn-sb-∂p-h-cn-√.

s]≥j≥ Bkq-X-W-Øn-\mbn

FX XpI \nt£-]n-°Ww?

dn -b¿sa‚n\p tijw

\ne-hn-ep≈ Pohn-X-ssien

\ne-\n¿Øn sIm≠v

Pohn-°m≥ FX XpI

Bh-iy-ambn hcp-sa∂v

IW-°m-°n-bmWv

\nt£] XpI

\n›-bn-t°-≠-Xv.

Nne hnti-j-W-ßƒ°v Imem-¥-c-Øn¬A¿∞-hym]vXn \jvS-s∏-Sm-dp-≠v. P\m-[n-]Xyw hmgp∂ ImeØv cmPmhv F∂ hnti-jWw Ct∏mgpw Hcp kº-Zm-b-sa∂ \ne-bn¬ t]cn-s\m∏w sIm≠p-\-S-°p-∂-hcp≠v.t]cn-¬ amXtabp≈q Ah¿°v cmP-IobX.kmaq-ln-I-amb am‰w h∂-t∏mƒ \jvS-s∏- -XmWv cmPmhv F∂ ]Z-hn-bpsS A¿∞-hym-]vXn. kmº-Øn-I-amb D∂-Xnsb Ipdn-°p∂hm°p-Iƒ°pw CXp-t]mse A¿∞w \jvS-s∏- n- p-≠v.

e£w cq] ssIh-i-ap-≈-bmsf e£-]`p F∂mWv ap≥Im-e-ß-fn¬ hnfn-®n-cp-∂-Xv. C∂v sFSn t]mep≈ taJ-e-I-fn¬At©m ]tØm h¿jw A\p-`-h-]-cn-N-b-ap-≈-h¿t°m Hm^o-k¿ dm¶n-ep≈ k¿°m¿ DtZym-K-ÿ¿t°m Hcp e£w cq]°vapI-fn¬ amkiºfw Xs∂ e`n-°p-∂p. Ah-sc-bmcpw e£-]`p F∂v hnfn-°m-dn-√.hnfn-°p-I-bm-sW-¶n¬ Xs∂ AXv ]cn-lm-k-amtb Icp-Xq. e£w cq] ssIh-i-ap-≈-h≥ ]`p-hm-bn-cp-s∂-¶n¬ tImSn cq] ssIbn-ep-≈-h¿ tImSo-iz-c≥am-cm-bn-cp-∂p. HcptImSn cq] C∂pw henb XpI-bm-sW-¶nepwtImSo-iz-c≥ F∂v AXbpw ]Ww ssIh-i-ap-≈-bmsf Bcpw hnfn-°m-dn-√.

ap≥Im-e-ß-fn¬ Hcp tImSn cq] ssIh-i-ap-≈-h¿ A]q¿h-am-bn-cp-∂p. Cuiz-cs‚]tXyI A\p-K-l-ap≈-h¿°v amXw km[y-amb Imcy-am-bmWv A∂v BfpIƒ AØ-cw t\ -ßsf I≠n-cp-∂-Xv. AXp-sIm≠vHcp tImSn cq] ssIh-i-ap-≈-h≥ tImSo-iz-c-\mbn IW-°m-°-s∏- p. F∂m¬ C∂vHcp tImSn cq] sIm≠p amXw \ΩpsS Pohn-X-e-£y-ß-sf√mw km£m¬°-cn-°m≥t]mepw km[n-°-W-sa-∂n-√.

\nt£-]-Øn-eqsS 30 h¿j-Øn\p tijwHcp tImSn cq] kºm-Zn-°pI F∂ e£y-hp-ambn apt∂m- p-t]m-Ip∂ Hcmƒ°v Xm≥hen-sbmcp XpI-bmWv kºm-Zn-°m-\mbnBkq-XWw sNbvXn-cn-°p-∂-sX∂v tXm∂m-sa-¶nepw `mhn-bnse Pohn-X-B-h-iy-ßƒ\nd-th-‰m≥ t]mepw B XpI ]cym-]vX-am-bn-sb-∂p-h-cn-√.

DZm-l-c-W-Øn\v \ne-hn¬ 30 hb-kp≈HcmfpsS PohnX sNehv h¿j-Øn¬ aq∂ve£w cq]-bm-sW-∂n-cn-°-s´. 30 h¿j-Øn\p tijw 60 hb-kn¬ dn -b¿sa‚ v F∂e£y-tØmsS At±lw Hcp CIzn‰n ayq Nz¬ ≠n¬ \nt£]w \S-Øp-∂p. knÃ-am-‰nIv C≥sh-Ãvsa‚ v πm≥ (F-kv-sF-]n)]Imcw 3000 cq]-bmWv At±lw ]Xn-amkw\nt£-]n-°p-∂-Xv. ]Xn-h¿jw 12 iX-am\wicm-icn dnt´¨ e`n-°p-sa∂ ]Xo-£-bn¬30 h¿j-Øn\p tijw 1.05 tImSn cq] F∂

e£y-tØm-sS-bmWv \nt£] Bkq-X-Ww.

F∂m¬ 30 h¿j-Øn\p tijw \ne-hn-ep≈ Pohn-X-ssien \ne-\n¿Øn-sIm≠v dn -b¿sa‚ v PohnXw kpK-a-ambn apt∂m- p-sIm-≠p-t]m-Ip-∂-Xn\v At±-l-Øn\v Hcp tImSncq] aXn-bm-Iptam? icm-icn ]W-s∏-cp-∏- \n-c°v Bdv iX-am-\-ambn IW-°m-°p-I-bm-sW-¶n¬ 30 h¿j-Øn\p tijw hcp-am-\-an-√mØ ImesØ Pohn-X Bh-iy-ßƒ°mbn At±-l-Øn\v ]Xn-h¿jw 17.23 e£wcq] Bh-iy-ambn hcpw.

A∂v _m¶v ÿnc-\n-t£-]-Øn¬ \n∂pw e`n-°p∂ ]eni Bdv iX-am-\-am-sW-¶n¬ Hcp tImSn cq] _m¶n¬ \nt£-]n-®m¬ At±-l-Øn\v e`n-°p-∂Xv Bdv e£wcq] amX-am-bn-cn-°pw. \nIpXn IqSn Ingn-®m¬ dnt´¨ ]ns∂bpw Ipd-bpw. AXm-bXvAt±-l-Øn\v Pohn-°m≥ Bh-iy-amb XpI-bpsS aq∂n-sem∂n¬ Xmsg amXta HcptImSn cq] _m¶n¬ \nt£-]n-®m¬ e`n-°p-I-bp-≈q. _m¶n¬ \nt£-]n-°p-∂-Xn\v]Icw sU‰v ≠n¬ \nt£-]n-®m¬ A¬∏w IqSn Db¿∂ dnt´¨ ]Xo-£n-°m-sa-¶nepw apI-fn¬ ]d™ XpI e`n-°n-√.

30 h¿j-Øn\p tijw \nt£-]-Øn¬\n∂pw ]Xn-h¿jw Bdv iX-am\w dnt´WneqsS 17.23 e£w cq] e`n-°-W-sa-¶n¬ 2.9 tImSn cq] At±-l-Øns‚ ssIbn-ep-≠m-I-Ww. \ne-hn-ep≈ Fkv-sF]n At±lw XpS-cp-I-bmsW¶n¬ CXbpw XpI e`n-°m≥ ]Xn-h¿jw 16.5 iX-am\w dnt´¨e`n-°-Ww. CXv ssIh-cn-°pI Ffp-∏-a-√.12 iX-am\w t]mse ssIh-cn-°m≥ km[y-X-bp≈ dnt -WmWv ]Xo-£n-°p-∂-sX-¶n¬]Xn-amk \nt£] XpI 8,500 cq]-bmbn Db¿Ø-Ww.

Financial Planning



Financial Planning

F≥]n-F-kn¬ sIUn‰v Im¿Uv

hgn \nt£-]n°mwssIhiw ]W-an-√mØ Ah-k-c-ß-fn¬ t]mepw sIUn‰v Im¿Uv hgn F≥]n-Fkv \nt£]w

\S-Øp-∂Xn-eqsS \nIpXn Cfhv t\Sn-sb-Sp-°mw.

\mj-W¬ s]≥j≥ knÃw AYhmtZiob s]≥j≥ ]≤-Xn-bn¬ \nt£-]n-°pI hgn 50,000 cq]-bpsS ]tXyI \nIpXnHgn-hmWv e`y-am-Ip-∂-Xv. sIUn‰v Im¿UvD]-tbm-Kn®pw tZio-b s]≥j≥ ]≤-Xn-bn¬\nt£-]n-°mw F∂Xv Hcp ][m\ khn-ti-j-X-bm-Wv.

ssIhiw \nt£-]n-°m≥ Bhiy-amb]W-an-s√-¶n¬ t]mepw sIUn‰v Im¿Uv hgn\nIpXn Cfhv t\Sn-sb-Sp-°p-Ibpw Zo¿L-Ime \nt£]w \S-Øp-I-bp-am-hmw. 50,000cq] \nt£-]n-°p-tºmƒ 30 iX-am\w \nIpXn …m_n¬ s]Sp∂ Hcmƒ hnZym- ymkskkv Dƒs∏sS 15,450 cq]bmWv \nIpXnC\-Øn¬ em`n-°p-∂-Xv. ssIhiw ]W-an-√mØ Ah-k-c-ß-fn¬ t]mepw sIUn‰vIm¿Uv hgn F≥]n-Fkv \nt£]w \S-Øp-∂Xn-eqsS Cu Cfhv t\Sn-sb-Sp-°mw.

sIUn‰v Im¿Uv hgn-bp≈ CS-]m-Sn\v 50Znhkw hsc ]eni \¬tI-≠-Xn-√. 50 Znh-k-Øn\p tijw c≠-c- -aq∂v iX-am\w ]Xn-amkw ]eni \¬tI≠n hcpw. Bdv amkwIgn-™mWv Cu XpI Xncn-®-S-°p-∂-sX-¶n¬t]mepw A[nI \nIpXn Cfhpw Zo¿L-Ime\nt£-]-Øn¬ \n∂p≈ aqe-[\ t\´hpwIW-°n-se-Sp-°p-tºmƒ "IS-sa-Sp-Øp≈\nt£]w' em -I-cw Xs∂.

sIUn‰v Im¿Uv D]-tbm-Kn®vF≥]n-F-kn¬ \nt£]w \S-Øn-b-Xn\p tijw Bdv amkwIgn-™mWv XpI Xncn-®-S-°p-∂-sX-¶n¬ t]mepw \nIpXnCfhpw Zo¿L-Ime \nt£-]-Øn¬ \n∂p≈ aqe-[\ t\´hpw IW-°n-se-Sp-°p-tºmƒ"IS-sa-Sp-Øp≈ \nt£]w'em -I-cw Xs∂.

F≥]nFknse \nt£]Øn\v BZm-b-\n-IpXn \nbaw 80 (kn) ]Imchpw 80 knknUn (1-_n) ]Icmhpw \nIpXn Cfhve`n°p∂XmWv. BZm-b-\n-IpXn \nbaw 80(kn) A\p-k-cn-®p≈ H∂c e£w cq] hsc-bp≈ \nt£-]-Øn\mWv \nIpXn Cfhv.80 kn°p ]pdsa 80 knkn Un (1-_n) F∂sk£\p Iogn-embn F≥]nFknse 50,000cq] hsc-bp≈ \nt£-]-Øn\v A[nI\nIpXn Hgnhv t\Sn-sb-Sp-°mw. 80 knknUn(1-_n)°p Iognembn Cfhv e n°p∂Xv F≥]nFknse \nt£]Øn\v amXamWv. Cßs\ samØw c≠v e£w cq]bv°v \nIpXnCfhv t\Smw. c≠v e£w cq] hsc-bp≈\nt£-]-Øn\v \nIpXn Cfhv e`y-am-Ip∂GI \nt£] ]≤-Xn-bmWv F≥]n-F-kv.

https://enps.nsdl.com F∂ sh_vssk‰vhgn-bmWv F≥]n-F-kn¬ Hm¨sse-\mbn\nt£-]n-°m≥ km[n-°p-I. CXn-\mbn Hm¨sse≥ F≥]n-Fkv A°u≠v D≠m-bn-cn-°-Ww. sIUn‰v Im¿Uv, sU_n‰v Im¿Uv,s\‰v _m¶nMv XpS-ßnb hnhn[ am¿K-ß-fn-eqsS \nt£]w \S-Ømw. \nß-fpsS ]m≥(s]¿a-\‚ v dn -b¿sa‚ v A°u≠v \º¿),P\\ XobXn F∂nh \¬In-bm¬ A°u-≠n-te°v tIm¨Sn-_yq-j≥ \S-Øm-\p≈πm‰vt^m-an-te°v FØmw.

ayqNz¬ ≠p-I-fntem Hml-cn-I-fntemsIUn‰v Im¿Uv hgn \nt£]w \S-Øm≥A\p-hm-Z-an-√. ayqNz¬ ≠p-I-fpsS SmIvkvtkhnwKvkv kvIoap-I-fn¬ Hm¨sse\mbn\nt£-]n-°m-sa-¶nepw sIUn‰v Im¿Uv hgn\nt£]w \S-Øm≥ km[n-°n-√. ]q¿W-ambpw Hmlcn hn]-Wn-bn¬ \nt£]w \S-Øp∂ CØcw kvIoap-I-fn¬ sIUn‰vIm¿Uv hgn \nt£-]n-°m≥ Ah-kcw\¬In-bm¬ AXv Aan-X-ambn IS-sa-SpØv\nt£]w \S-Øp∂ Dul-I-®-hS coXn°vhgn-sh-°m-\p≈ km[y-Xsb ap≥\n¿Øn-bmWv CXv. AtX kabw 50 iX-am\w hsc

Hmlcn hn]-Wn-bn¬ \nt£-]n-°p∂F≥]n-F-kn¬ sIUn‰v Im¿Uv hgn

\nt£]w \S-Øm≥ A\p-hmZw\¬In-bn-cn-°p-∂Xv AXv s]≥j≥ Bkq-X-WsØ ap≥\n¿Ønbp≈ Hcp Zo¿L-Ime\nt£] ]≤Xn Bb-Xn-\m-em-Wv.

F≥]n-F-kn¬ \n∂v\nt£]w ]n≥hen°ptºmƒ \qdv iX-am\wXpIbpw \nIpXn hnap‡am°nbn´p≠v. ^e-Øn¬ ]n]n-F- v, C]n-F- v XpS-ßnb Zo¿L-Ime \nt£] ]≤-Xn-Isf t]mse F≥]n-Fkpw

\nt£]w ]n≥h-en-°p-tºmƒ \qdv iX-am\w \nIp

Xn Cfhv e`n-°p∂ ]≤-Xn-bmWv Ct∏mƒ.



t\man\nbpambn ]¶p-sh-t°≠

Nne Imcy-ßƒ_m¶v A°u-≠nepw C≥jp-d≥kv t]mfn-kn-bnepw Uoam‰v A°u-≠nepw t\man-\n-bpsS t]cv Dƒs∏-Sp-Øm≥

]tXyIw i≤n-t°≠-Xp-≠v.

sse v C≥jp-d≥kv t]mfnknsbSp-°p-∂Xpw hcp-am-\-Øns‚ \s√mcp ]¶v kºmZyØn-te°v \o°nsh-°p-∂-Xp-sam-s° Xßsf Bi-bn-®n-cn-°p-∂-h-cpsS PohnXw kpc-£n-X-am-°p-∂-Xn\p th≠n-bmWv. Krl-\m-Y\v A]-Xo-£n-X-amb acWw kw -hn-°p-I-bm-sW-¶n¬ C≥jp-d≥kv t]mfn-kn-XpIbpw kºm-Zy-hpsams° Bin-X¿°vIrXy ka-bØv e`n-°-W-sa-¶n¬ Nne Imcy-ßƒ i≤n-t°-≠-Xp-≠v.

\nß-fpsS hntbm-K-Øn\p tijhpwtcJ-Ifpw ]mkvth¿Up-I-fpw t\man-\n°ve`y-am-bn-cn-°-Ww. _m¶nwKv CS-]m-Sp-Iƒ°pwC≥jp-d≥kv ]oanbw AS-bv°p-∂-Xn\pwayqNz¬ ≠v, s]≥j≥ kvIow XpS-ßn-b-h-bn¬ \nt£-]n-°p-∂-Xn\pw BZmb \nIpXn dnt´¨ b¬ sNøp-∂-Xn\psa√mw \mwC∂v C‚¿s\-‰n-s\-bmWv Bi-bn-°p-∂-Xv.CXn-s\-√m-ambn Hcp Iq´w bqk¿ s\bn-ap-Ifpw ]mkvth¿UpIfp-ap-≠m-bn-cn-°pw.\nßƒ°v amXw Adn-bm-hp∂ Ch t\man-\n-bp-ambn IqSn ]¶v sh°m≥ i≤n-°-Ww.

F√m bqk¿ s\bn-ap-IfpsSbpw ]mkvth¿UpI-fp-sSbpw Hcp ]n‚ v Hu v FSpØvkpc-£n-X-ambn kq£n-°p-∂Xv \√-Xm-bn-cn-°pw. CXns‚ HcptIm∏n t\man-\n°pwssIam-dm-hp-∂-Xm-Wv. ]mkvth¿U v

\nß-fpsS hntbm-K-Øn\ptijhpw tcJ-Ifpw ]mkvth¿Up-I-fpw t\man-\n°v e y-am-bn-cn-°-Ww. F√m bqk¿ s\bn-ap-IfpsSbpw ]mkvth¿UpI-fp-sSbpw Hcp ]n‚v Hu vFSpØv kpc-£n-X-ambn kq£n-°p-∂Xv \√-Xm-bn-cn-°pw.CXns‚ ]I¿∏v t\man-\n°vssIam-dm-hp-∂-Xm-Wv.

amt\-P¿ Bπn-t°-j-\n-emWv CsX√mwtÃm¿ sNbvXn-cn-°p-∂-sX-¶n¬ AXns‚bqk¿ s\bnapw ]mkvth¿Upw t\man-\n-bp-ambn ]¶p sh°p-∂Xv \√-Xm-bn-cn-°pw.

_m¶v A°u-≠nepw C≥jp-d≥kvt]mfn-kn-bnepw Uoam‰v A°u-≠nepw t\man-\n-bpsS t]cv Dƒs∏-Sp-Øm≥ ]tXyIwi≤n-°-Ww. CXv ]Ww Bin-XcpsS t]cn-

te°v kpKaambn ssIam-dm≥ klm-b-

I-am -Ipw.t \ m

an\n F∂-Xp-sIm≠v A¿∞-am-°p-∂Xv \nb-a-]-c-amb Ah-Im-in-Iƒ°p \nt£]w ssIam-dp-∂Xp hsc-bp≈ SÃn F∂v amX-am-sW-¶nepw t\man-\n-bpsS t]cv Dƒs∏-Sp-Øp-∂Xv Bi-b-°p-g-∏-ßfpw kmt¶XnI _p≤n-ap- p-Ifpw Hgn-hm-°p-∂-Xn\v klm-b-I-am-Ipw.

dn -b¿sa‚ v Ign™-h¿ hn¬∏Xw Xbm-dm-°m≥ ]tXyIw i≤n-°-Ww. A]-Xo-£n-X-amb hntbm-K-Øn\p tijw kzØn\pwkºm-Zy-Øn\pw th≠n \nb-a-]-c-amb X¿°-ßƒ D≠m-Ip-∂Xv Hgn-hm-°m≥ CXv klm-b-I-am-Ipw.

`h-\-hmbv] FSp-Øn- p-≈-h¿ AXn\vaXn-bmb C≥jp-d≥kv Ih-tdPv Dd-∏p-h-cp-Øm≥ i≤n-°-Ww. hmbv]bpsS Xncn-®-ShvDd-∏p-h-cp-Øm\p≈ _m[yX hmbv] FSp-°p-∂-h¿°p-ap-≠v. hoSv F∂pw IpSpw-_-Øn-t‚Xv Xs∂-bm-bn-cn-°m≥ Nne dnkvIp-IƒC≥jp-d≥kn-eqsS Ih¿ sNøm\pw i≤n-t°-≠-Xp-≠v.

hmbv] Xncn-®-S-°p-∂-Xn¬ Fs¥-¶nepwhogvN h∂m¬ Xncn-®-Shv IpSpw-_mw-K-ß-fpsS _m[y-X-bmbn amdpw. IpSpw-_mw-K-ßƒ°v B _m[yX \nd-th-‰m≥ km[n-°p-∂n-s√-¶n¬ _m¶v P]vXn t]mep≈ ]Xym-Lm-X-ßsf t\cn-tS≠n hcpw. CØcw dnkvIp-Iƒ ap∂n¬ I≠v C≥jp-d≥kv Ih-tdPvDd-∏p-h-cp-Øm≥ i≤n-°-Ww. hmbv]-sb-Sp-Ø-bm-fpsS acWw aqew hmbv]m Xncn-®-ShvapS-ßm-Xn-cn-°m-\p≈ am¿Kw tSw C≥jp-d≥

kv t]mfn-kn-bm-Wv. Hcp hy‡n°v ASn-ÿm-\-]-c-ambn th≠ C≥jpd≥kpI-fn-sem-∂m∂mWv tSw C≥jp-d≥kv.

F√m \nt£-]-ß-fp-sSbpw hni-Zmw-i-ßƒ t\man-\n°v IqSn e`y-am-Ip∂ Xc-Øn¬ kq£n-t°≠-Xp-≠v. _m¶v \nt£-]w, sse vC≥jp-d≥kv, hml\ C≥jp-d≥kv, BtcmKy C≥jp-d≥kv t]mfn-kn-Iƒ, a‰v \nt£-]-ßƒ, ssIh-i-ap≈ `qanXpS-ßnb F√m BkvXn-I-fp-sSbpw kºm-Zy-ß-fp-sSbpw hnh-c-ßƒ Hcp ]tXyI t^mƒU-dn-em°n Iºyq- -dn¬ kq£n-°p-Ibpw CXn-s‚-sb√mw ]I¿∏v IS-emkv cq]-Øn¬ ssIh

iw sh°p-Ibpw thWw.

Financial Planning



`h\ hmbv]m \nc°v sdt∏m

\nc-°n\v A\p-k-cn®v Ipdbpw

cmPysØ G‰hpw henb

hmWnPy _m¶mb

Fkv_n-sF-bmWv

BZyw `h\ hmbv]-bpsS

\nc°v sdt∏m

\nc°pambn _‘n-∏n-®-Xv.

`h\ hmbv]-bpsS ]eni \nc°v sdt∏m\nc-°p- (dn-k¿hv _m¶n¬ \n∂v _m¶pIƒFSp-°p∂ hmbv]-bpsS \nc-°v) ambn _‘n-∏n® s]mXp-ta-Jem _m¶p-I-fpsS \S-]Sn D]-t`m-‡m-°ƒ°v IqSp-X¬ KpW-I-c-am-Ipw. sdt∏m \nc-°n¬ CSn-hp-≠m-Ip-tºmƒ DS≥ AXv ]en-i-\n-c-°n¬ ]Xn-^-en-°m≥ CXv klm-b-I-am-Ipw.

Pqsse-bn¬ cmPysØ G‰hpw henbhmWnPy _m¶mb Fkv_n-sF-bmWv BZyw`h\ hmbv]-bpsS \nc°v sdt∏m \nc°pambn _‘n-∏n-®-Xv. ]n∂mse _m¶v Hm^v_tdm-U, kn‚n-t°‰v _m¶v XpS-ßnb s]mXp-ta-Jem _m¶p-Ifpw kam-\-amb ]≤XnAh-X-cn-∏n®p.

dnk¿hv _m¶v sdt∏m \nc°v Ipd-bv°p-tºmƒ _m¶p-Iƒ AXns‚ B\p-IqeywD]-t`m-‡m-°ƒ°v ]q¿W-ambn \¬Ip-∂n-s√∂ ]cmXn \o≠ Ime-am-bp-≠v. sdt∏m\nc-°n¬ D≠m-Ip-∂-Xn\v Xpey-amb Ipdhvan°-t∏mgpw hmbv]m ]eni \nc-°n¬ D≠m-Im-dn-√.

AtX kabw h\ hmbv]-bpsS \nc°vsdt∏m \nc°pambn _‘n-∏n-°p∂-tXmsSsdt∏m \nc-°n¬ D≠m-Ip∂ Ipd-hn\vXpey-amb am‰w hmbv]m \nc-°n-ep-ap-≠m-Ipw. DZm-l-c-W-Øn\v HmK-Ãn¬ dnk¿hv_m¶v sdt∏m \nc°v 0.35 iX-am\w Ipd®-t∏mƒ Fkv_n-sF-bpsS sdt∏m en¶vUvse‚nMv td‰v (B¿-F¬-F¬-B¿) Xpey-ambn Ipd-™p.

dnk¿hv _m¶v sdt∏m \nc°vIpd-bv°p-tºmƒ _m¶p-IƒAXns‚ B\p-Iqeyw D]-t`m-‡m-°ƒ°v ]q¿W-ambn \¬Ip-∂n-s√∂ ]cmXn \o≠Ime-am-bp-≠v. `h\ hmbv]m-\nc°v sdt∏m \nc°pambn_‘n-∏n-®-tXmsS sdt∏m \nc-°n¬ D≠m-Ip∂ Ipd-hn\vXpey-amb am‰w hmbv]m \nc-°n-ep-ap-≠m-Ipw.

Fkv_n-sF-bpsS km[m-cW h\ hmbv]-bpsS Ip-d™ ]eni \nc°v 8.25 iX-am-\-am-Wv. AtX kabw sdt∏m en¶vUvse‚nMv td‰v 0.20 iX-am\w Xmsg-bm-Wv.sdt∏m \nc°v Ipdhv hcp-Øn-bm¬ sXm´-SpØ amk-amWv sdt∏m en¶vUv se‚nMvtd‰n¬ AXv ]Xn- -en-°p-∂-Xv.

HmK-Ãn¬ dnk¿hv _m¶v sdt∏m \nc°v0.35 iX-am\w Ipd®Xns\ XpS¿∂v Fkv_n-sF-bpsS sdt∏m en¶vUv se‚nMv td‰vsk]v‰w-_¿ H∂v apX¬ 8.05 iX-am-\-ambnIpd-™p.

t\csØ samØw _m¶nMv kwhn-[m\w

Personal Finance

Xs∂ sdt∏m en¶vUv se‚nMv td‰ns‚ amXr-I-bn-te°v amtd-≠Xv Bh-iy-amsW∂vdnk¿hv _m¶v Kh¿W¿ i‡n-Im¥ Zmkv]d-™n-cp-∂p.

AtX kabw am¿Pn-\¬ tImÃv Hm^vse‚nMv (Fw-kn-F¬-B¿) A\p-k-cn®vt\csØ hmbv]sbSpØh¿°v ASpØh¿jw G]nen¬ amXta ]eni \nc°nse hyXnbm\w _m[IamIq. ]pXp-Xmbnhmbv]-sb-Sp-°p∂ D]-t`m-‡m-°ƒ°mWvhmbv]m \nc°v Ipd®Xns‚ B\pIqeywDS≥ e`n°pI.

Fw-kn-F¬-B¿ A[n-jvTnX hmbv]FSp-Ø-h¿°v sdt∏m en¶vUv se‚nMv td‰nte°v amdm-\p≈ Ah-kcw Fkv_nsF\¬Ip-∂p-≠v. _m°n-bp≈ hmbv]m XpI-bpsS 0.25 iX-am\w Cßs\ amdp-∂-Xn-\p≈ Nm¿Pmbn CuSm-°pw. a‰v _m¶p-Ifpwsdt∏m en¶vUv se‚nMv td‰n¬ hmbv]e`y-am-°p-sa-∂mWv ]Xo-£n-°p-∂-Xv.

]pXnb kvIoan-te°v amdn-bm-ep≈KpW- ew IW-°m°n thWw D]-t`m-‡m-°ƒ CXp-kw-_-‘n®v Xocp-am-\-sa-Sp-t°-≠-Xv. Htc _m¶ns‚ kvIoan-te°v amdp-I-bm-sW-¶n¬ hcp-∂-Xn¬ IqSp-X¬ Nm¿Pp-Iƒ as‰mcp _m¶ns‚ kvIoan-te°v amdp-tºmƒ D≠m-Ipw. t]mk-knMv okv, \nb-a-]-c-amb \S-]-Sn-Iƒ°p≈ Nm¿Pp-Iƒ XpS-ßn-bh _m[-I-am-Ipw. CsX√mw IW-°m°n thWw amdp-∂Xv em`-I-c-amtWmF∂v ]cn-tim-[n-t°-≠-Xv.



]pXnb \nc°v \n¿W-b coXn

`h\ hmbv]m ÿm]-\-ßsf

Fßs\ _m[n°pw?_m¶v Xnc-s™-Sp-°p∂ s_©vam¿°n\v apI-fn¬ \n›nX kvs]Uv G¿s∏-Sp-Øn-bmWv ASn-ÿm\

\nc°v \n›-bn-°p-∂-Xv. kvs]Uv FX-tØm-f-am-Im-sa-∂v _m¶p-I-fmWv Xocp-am-\n-°p-∂-Xv.

HIvtSm-_¿ H∂v apX¬ _m¶p-Ifn¬ \n∂vFSp-°p∂ GXp Xcw hmbv]bpsSbpw ]en-i-\n-c°v dnk¿hv _m¶v \n›-bn-®n-´p≈\mev s_©vam¿°p-I-fp-ambn _‘n-∏n-°p-∂Xv D]-t`m-‡m-°ƒ°v KpW-I-c-am-Ipw.

sdt∏m \nc-°v, aq∂v amksØ k¿°mcns‚ Sjdn _n√ns‚ bo¬Uv, Bdv amksØ k¿°mcns‚ Sjdn _n√ns‚ bo¬Uv,^n\m≥jy¬ s_©vam¿°v C¥y ss]h‰venan-‰Uv ]pd-s∏-Sp-hn-°p∂ at‰-sX-¶nepw\nc°v F∂nh-bn¬ GsX-¶n-ep-ambn hmbv]m \nc-°ns\ _‘n-∏n-°-W-sa-∂mWv dnk¿hv _m¶ns‚ k¿°p-e-dn¬ ]d-bp-∂-Xv.

an° s]mXp-ta-Jem _m¶p-Ifpw sdt∏m\nc-°p-ambn _‘n-∏n-®p≈ h\, hml\hmbv]m \nc°pIƒ sk]v‰w-_-dn¬ Xs∂]Jym-]n®ncp-∂p. kzImcy _m¶p-Ifpw HIvtSm-_¿ H∂v apX¬]pXnb hmbv]m\nc°v \n¿WbcoXn-bpsS N´ -°q - S n¬h∂p.

dnk¿hv _m¶v \n¿tZ-in-®n-cn-°p∂ \mevs_©vam¿°p-I-fp-ambn _‘n-∏n-®p≈]eni \nc°v aq∂v amkw IqSp-tºmƒ HcpXh-W-sb-¶nepw ]p\¿\n¿Wbw \S-Øn-bn-cn-°-Ww. CtXmsS s_©v am¿°n¬ hcp∂am‰-Øn\v A\p-k-cn®v aq∂v amkw IqSp-tºmƒ ]eni \nc°v amdp∂ coXn-bmWv\ne-hn¬ h∂n-cn-°p-∂-Xv. aq∂v amk-Øn-\nsS H∂n¬ IqSp-X¬ XhW \nc-°n¬am‰w hcm\pw km[y-X-bp-≠v.

dnk¿hv _m¶v sdt∏m \nc-°n¬ hcp-Øp∂ am‰w Xma-kn-bmsX ]en-i-\n-c-°p-I-fn¬ ]Xn- -en-°p-∂-Xn\v ]pXnb coXn hgn-sbm-cp-°pw. sdt∏m \nc°v Ipd-®m¬ `qcn-]£w D]-t`m-‡m-°ƒ°pw AXns‚ KpWwe`yam-°p-I-sb∂ e£y-tØm-sS-bmWv ]pXnb coXn sIm≠p-h-∂n-cn-°p-∂-Xv.

\ne-hn¬ Fkv_nsF sdt∏m en¶vUvse‚nMv td‰n¬ am‰w hcp-Øp-∂Xv

dnk¿hv _m¶v sdt∏m \nc-°n¬am‰w hcp-Øn-b-Xn\ptij-

ap≈ ASpØ amk-Øn-em-Wv. DZm-l-c-W-Øn\v

HmK-Ãn¬ sdt∏m \nc°v dnk¿hv _m¶vIpd-®p.

sk]v‰w-_¿ H∂v apX¬Fkv_nsFsdt∏m en¶vUv se‚nMvtd‰v A\p-k-cn®v ]pXnb\nc°v G¿s∏-SpØn. HIvtSm-_-dn¬\S-°p∂ [\ \b Ah-tem-I\ tbmK-Øn¬ dnk¿hv _m¶v ho≠pw sdt∏m \nc°v Ipd-bv°p-I-

bm-sW-¶n¬ \hw-_¿ H∂v apX¬ h

Personal Finance

s_©vam¿°n¬ hcp∂ am‰-Øn\v A\p-k-cn®v ]eni\nc°v amdp∂ coXn-bmWv \ne-hn¬ h∂n-cn-°p-∂-Xv. dnk¿hv _m¶v \n¿tZ-in-®n-cn-°p∂s_©vam¿°p-I-fp-ambn_‘n-∏n-®p≈ ]eni \nc°vaq∂v amkw IqSp-tºmƒ HcpXh-W-sb-¶nepw ]p\¿\n¿Wbw \S-Øn-bn-cn-°-Ww.



\ hmbv]-bpsS \nc°v Ipd-bpw.

Xnc-s™-Sp-°p∂ s_©vam¿°n\v apI-fn¬ \n›nX kvs]Uv G¿s∏-Sp-Øn-bmWv_m¶p-Iƒ Ah-bpsS ASn-ÿm\ \nc°v\n›-bn-°p-∂-Xv. kvs]Uv FX-tØm-f-am-Im-sa-∂Xv _m¶p-I-fmWv Xocp-am-\n-°p-∂-Xv. DZm-l-c-W-Øn\v F kv_nsF sdt∏m \nc -°n¬ \n∂pw 2.25 iX-am-\-amWv kvs]Uv G¿s∏-Sp-Øn-bn-cn-°p-∂-Xv. D]-t`m-‡m-hns‚sIUn‰v kvtImdpw hmbv]m XpIbpw A\p-k-cn®v ho≠pw 0.40 iX-am\w apX¬1.10 iX-am\w hsc \nc°v IqSm-hp-∂-Xm-Wv. \ne-hn¬8.05 iX-am-\-amWv sdt∏m en¶vUv se‚nMvtd‰v ]Im-c-ap≈ Fkv _n-sF-bpsS h\ hmbv]m\nc-°v. 30 e£-Øn\v XmsgbmWv hmbv]m XpI-sb-¶n¬amX-amWv Cu \nc°v e`y-am-Ip-∂-Xv. H∏w anI® sIUn‰v kvtImdpw D≠m-bn-cn-°-Ww. sIUn‰v kvtIm¿800\v Xmsg-bm-sW-¶n¬ ]eni\nc°v 1.10 iX-am\w hsc Db-cmw.

_m¶p-Iƒ Ah-bpsS ]h¿Ø\ sNe-hns‚ ASn-ÿm-\-Øn-emWv kvs]Uv \n›-bn-°p-∂-Xv. sdt∏m en¶vUv se‚nMv td‰v]Im-c-ap≈ Fkv_n-sF-bpsS `h\ hmbv]m \nc-°v 8.05 iX-am-\-am-sW-¶n¬ _m¶vHm v _tdmU 8.35 iX-am-\-amWv hmbv]m\nc°v \n›-bn-®n-cn-°p-∂-Xv.

\ne-hn-ep≈ D]-t`m-‡m-°ƒ°v amX-amWv sdt∏m en¶vUv se‚nMv td‰v _m[-I-am-Ip-∂-Xv. ]gb D]-t`m-‡m-°ƒ°v ]gb \nc°v XpS-cpw.

sdt∏m \nc-°v, aq∂v amksØ k¿°mcns‚ Sjdn _n√ns‚ bo¬Uv, Bdv amksØ k¿°mcns‚ Sjdn _n√ns‚ bo¬Uv, ^n\m≥jy¬ s_©vam¿°v C¥yss]h‰v enan-‰Uv ]pd-s∏-Sp-hn-°p∂ at‰-sX-¶nepw \nc°v F∂nh-bn¬ GsX-¶n-ep-ambn hmbv]m \nc-°ns\ _‘n-∏n-°-W-sa-∂ dnk¿hv _m¶ns‚ \n¿tZiw _m¶p-Iƒ°v amX-amWv _m[Iw.

_m¶p-Iƒ ]eni \nc°v Ipd-bv°p-∂Xv_m¶nwKv CXc [\-Imcy ÿm]-\-ß-fp-sSbpw h\ hmbv]m ÿm]-\-ß-sfbpw tZmj-I-c-ambn _m[n-°m-\p≈ km[y-X-bp-t≠m?_m¶nwKv CXc [\-Imcy ÿm]-\-ß-fp-sSbpw h\ hmbv]m ÿm]-\-ß-fp sSbpw_nkn-\kv coXn-bnse hyXymkw ImcWw

CXv Imcy-ambn _m[n-°n-s√-∂mWv \nco-£-I¿ Nq≠n-Im- p-∂-Xv.

_m¶p-Iƒ hmbv] \¬Im≥ Xbm-dm-ImØ Db¿∂ dnkvIp≈ hn`m-K-Øn¬s]Sp∂ D]-t`m-‡m-°ƒ°mWv _m¶nwKv

_m¶p-Iƒ hmbv] \¬Im≥Xbm-dm-ImØ Db¿∂ dnkvIp≈ hn m-K-Øn¬ s]Sp∂ D]-t`m-‡m-°ƒ°mWv _m¶nMvCXc [\-Imcy ÿm]-\-ßfp-w `h\ hmbv]m ÿm]-\-ß-fpw ][m-\-ambpw hmbv]\¬Ip-∂-Xv. Ch-bpsS _nkn\kns\ _m¶p-I-fpsS \nc°v \n¿Wb coXnbnse am‰w_m[n-°m-\n-S-bn-√.

ÿm]-\-ß-sfbpw ][m-\-ambpw Bi-bn-°p-∂-Xv.

sdt∏m \nc-°p-ambn hmbv]m \nc-°ns\ _‘n-∏n-°p∂ ]pXnb coXn \ne-hn¬hcp-∂Xp hsc Fkv_nsF Ign-™m¬G‰hpw Ipd™ ]eni \nc°n¬ hmbv] \¬In-bn-cp -∂Xv `h\hmbv]m ÿm]-\-amb F®vUn-F- vk n -

bm -W v .Fkv_nsF \¬

In-bn-cp-∂-Xn-t\-°mƒ 0.05 iX-am\w amXw IqSp-X-em-bn-cp∂p

F®vUn-F-^vkn \¬In-bn-cp∂ hmbv]bpsS Ipd™ \nc-°v. sdt∏m \nc-

°p-ambn hmbv]m \nc-°ns\ _‘n-∏n-°p∂ ]pXnb coXn h∂-tXmsS Cu hyXym

kw 0.30 iX-am-\-ambn h¿[n-®p. \ne-hn¬ F®vUn-F-^vknbpw _m¶v

Hm v _ tdm-Ubpw 8.35 iX-am\w\nc-°n-emWv hmbv] \¬Ip-∂-

Xv.

F®vUn-F vkn a’-cn-°p-∂Xv ][m-\-ambpw _m¶p-I-fp-ambn Xs∂-bm-Wv._m¶p-Isf hmbv]-bv°mbn Bi-bn-°p∂ sIUn‰v kvtImdpw a‰v hm

bv]m tbmKyXm LS-I-ßfpw Db¿∂ \ne-bn-emb D]-

t`m-‡m-°ƒ Xs∂-bmWv F®vUn-F- vkn-bpsS ][m\ D]-t`m-‡m-

°ƒ. qcn- mKw h\ hmbv]m ÿm]-\ßfn¬ \n∂v hyXy-kvX-ambn F®vUn-F vkn\nt£-]-ßƒ kzoI-cn-°p-∂p-ap-≠v.

AtX kabw F®vUn-F-^vknsbbpwF¬-sF kn luknMv n\m≥kn-s\bpwt]mep≈ Iº-\n-I-fn¬ \n∂v hyXy-kvX-ambn an° `h\ hmbv]m ÿm]-\ßfpwsIUn‰v kvtIm¿ Ipd-™, _m¶p-I-fn¬\n∂v hmbv] e`n-°m-\p≈ tbmKyXm am\-Z-WvU-Øns‚ ASn-ÿm-\-Øn¬ dnkvIvDb¿∂ D]-t`m-‡m-°-sf-bmWv e£y-an-Sp-∂-Xv.

CØcw ÿm]-\-ßƒ s]mXp-P-\-ß-fn¬ \n∂pw \nt£]w kzoI-cn-°m-Ø-Xn-\m¬ sdt∏m \nc-°p-ambn _‘n-∏n-°-W-sa∂ \n¿tZiw Cu ÿm]-\-ßƒ°v _m[-I-am-°m≥ km[n-°n-√.

dnkvIv IqSnb D]-t`m-‡m-°ƒ°v Db¿∂ \nc-°n¬ hmbv] \¬Ip∂ _nkn-\kvcoXn-bmWv an° `h\ hmbv]m ÿm]-\ßfpw ]n¥p-S-cp-∂sX∂n-cns° Cu _nkn-\kns\ amdnb kml-N-cyw tZmj-I-c-ambn_m[n-°m≥ km[yX Ipd-hm-Wv.

CXc [\-Imcy ÿm]-\-ß-fpw-`h\ hmbv]m ÿm]-\-ß-fpw][m-\-ambpw hmbv] \¬Ip-∂-Xv.AXp-sIm-≠p-Xs∂ ]eni \nc°v _m¶p-I-fn¬ Ipd-bp∂p F∂Xv ChnsS Hcp][m\ LS-I-am-Ip-∂n-√. Db¿∂ \nc-°n¬hmbv]-sb-Sp-°m≥ \n¿_-‘n-X-amb Hcphn`mKw D]-t`m-‡m-°-fmWv _m¶nwKv CXc[\-Imcy ÿm]-\-ß-sfbpw h\ hmbv]m



_m¶p-I-fpsS eb\w \nßsf

Fßs\ _m[n°pw?hmbv] FSp-Ø-h-cpsS ]eni\nc-°n¬ eb-\-Øn\p tijw am‰-ap-≠m-Im-\n-S-bn-√. ^nIvkUv

sUt∏m-kn-‰p-Ifpw hmbv]-Ifpw Icm-dp-I-fm-b-Xn-\m¬ Ch-bpsS \nc°v am‰-an-√msX XpS-cpw.

]Øv s]mXp-ta-Jem _m¶p-Isfebn-∏n®v \mev henb _m¶p-I-fm°n am‰m-\mWv tIµ-k¿°m-cns‚Xocp-am-\w. CtXmsS C¥y-bnses]mXp-ta-Jem _m¶p-I-fpsS FÆw27¬ \n∂v 12 Bbn Npcp-ßpw. s]mXp-ta-Jem _m¶nMv kwhn-[m\wIqSp-X¬ Imcy-£-a-am-°pI F∂e£y-tØm-sS-bmWv Cu eb-\w.CXv D]-t`m-‡m-°sf Fß-s\-bm-bn-cn°pw _m[n-°pI?

_m¶nMv kwhn-[m-\-Øns‚Imcy-£-aX h¿[n-°p-∂-tXmsS D]-t`m-‡m-°ƒ°v IqSp-X¬ sa®-s∏´D¬∏-∂-ßfpw tkh-\-ßfpw e`n-°m-\p≈ hgn-sbm-cp-ßpw. _m¶vHm v _tdm-U-bn¬ hnPb _m¶pwtZ\ _m¶pw ebn-®-tXmsS D]-t`m-‡m-°ƒ°v sa®-s∏´ tkh\w en®p XpS-ßn-b-Xmbn _m¶nMv hrØ-

ßƒ Nq≠n-Im- p-∂p. aq∂v _m¶p-Iƒ ebn-®-tXmsS _m¶v Hm v _tdm-U-bpsS GXv imJ-bnepw D]-t`m-‡m-°ƒ°v tkh\w e`y-am-°nbn´p-≠v. ^nIvkUv sUt∏m-kn‰v t]mep≈ D¬∏-∂-ß-fpsS ]eni \nc-°nepwam‰w hcp-Øn-bn- n-√.

ebn-°-s∏-Sp∂ H∂n-tesd _m¶p-I-fn¬D]-t`m-‡m-hn\v A°u-≠p-I-fp-s≠-¶n¬Cu A°u-≠p-Iƒ Hcp IÃ-a¿ sFUn°pIogn-embn ]cn-]m-en-°-s∏-Spw. ]pXn-b-XmbnsI ssh kn \S-]Sn Ia-Øn-eqsS IS∂pt]mtI-≠-Xn-s√-¶nepw _m¶n¬ \¬In-bn-´p≈ C˛-sa-bn¬ sFUnbpw t^m¨ \ºcpw Ct∏mƒ D]-tbm-K-Øn-ep-≈Xp Xs∂-bm-tWm-sb∂v Dd-∏p-h-cp-tØ-≠-Xp-≠v. A°u≠v kw_-‘-amb ]pXnb hnh-c-ßƒe`y-am-Ip-∂-Xn¬ Fs¥-¶nepw XSkw D≠m-Im-Xn-cn-°m≥ CXv \nßsf klm-bn-°pw.sF v-Fkvkn tImUnepw a‰pw am‰w D≠m-Imw. CØcw am‰-ßƒ i≤n-t°-≠-Xp-≠v.

hmbv] FSp-Ø-h-sctbm tem°¿ DS-a-I-sftbm Im¿Uv DS-a-I-sftbm eb\w DS≥GsX-¶nepw Xc-Øn¬ _m[n-°n-√. _m¶p-I-fpsS sFSn kwhn-[m\w GtIm]n-∏n-°p-tºmƒ amX-am-bn-cn°pw am‰-ßƒ hcp-∂-Xv.CXn\v H∂-c- -c≠v h¿jw hsc ka-b-sa-Sp-°pw.

hmbv] FSp-Ø-h-sctbmtem°¿ DS-a-I-sftbm Im¿Uv DS-a-I-sftbm eb\w DS≥GsX-¶nepw Xc-Øn¬ _m[n-°n-√. _m¶p-I-fpsS sFSnkwhn-[m\w GtIm]n-∏n-°p-tºmƒ amX-am-bn-cn°pw am‰-ßƒ hcp-∂-Xv. CXn\v c≠vh¿jw hsc ka-b-sa-Sp-°pw.

hmbv] FSp-Ø-h-cpsS ]eni \nc-°n¬eb-\-Øn\p tijw am‰-ap-≠m-Im-\n-S-bn-√.^nIvkUv sUt∏m-kn-‰p-Ifpw hmbv]-IfpwIcm-dp-I-fm-b-Xn-\m¬ Ch-bpsS \nc°v am‰-an-√msX XpS-cpw. \nß-fpsS hmbv] ebn-∏n-°-s∏-Sp∂ _m¶n-te°v am‰-s∏-Sp-Ibpw CFwsF ]Xnhv t]mse AS-°p∂Xv XpS-cpIbpw sNøpw. Nne s]mXp-ta-Jem _m¶p-

Personal Finance

Iƒ \ne-hn¬ sdt∏m \nc-°p-ambn _‘n-∏n®v `h\ hmbv] \¬Ip-∂p-≠v. CØcw_m¶p-Iƒ ebn-∏n-°-s∏-Sp-∂-tXmsS kvIowCØ-c-Øn¬ Xs∂ XpS-cp-tam-sb∂ kwibwD]-t`m-‡m-°ƒ°v D≠m-Imw. F√m _m¶p-Ifpw sdt∏m \nc-°p-ambn _‘n-∏n®p≈hmbv]m kvIoap-Iƒ Bcw- n-°p-∂-Xn-\m¬CØcw Bi-b-Ip-g-∏-ßƒ Hgn-hm-Ipw.

eb-\-Øn\p tijw Hcp hn`mKw imJ-Iƒ AS-®p-]q- p-∂-tXmsS CØcw imJ-I-fnse A°u-≠p-Iƒ a‰v imJ-I-fn-te°v am‰-s∏-Spw. CXp-kw-_-‘n® hnhcw D]-t`m-‡m-hns\ _m¶v Adn-bn-°p-∂-Xm-Wv. CXv GsX-¶nepw Xc-Øn¬ tkh-\-ß-fpsS e`y-XsbXS-k-s∏-Sp-Øn-√.

sNdnb _m¶p-I-fn¬ e`n-°p∂ hy‡n-K-X-amb tkh-\-ßƒ henb _m¶p-I-fn¬\n∂v apº-tØXp t]mse e`n-°p-∂n-s√∂tXm∂¬ D]-t`m-‡m-°ƒ°p-≠m-Imw. F∂m¬ _m¶nMv kwhn-[m\w IqSp-X¬ Imcy-£-a-am-hp-Ibpw kmt¶-XnI hnZy-bpsS D]-tbmKw h¿[n-°p-Ibpw sNøp-∂-tXmsS hy‡n-KX tkh-\-Øns‚ Bh-iy-IX Ipd-™p-h-cpw.


41slUvPv Hmlcn HIvtSm-_¿ 2019 41slUvPv Hmlcn HIvtSm-_¿ 2019

t]gvk-W¬ temWns‚ ]eni

\nc°v Fßs\ Ipdbv°mw?t]gvk-W¬ tem¨ FSp-°p-∂h¿°v hnhn[ am\-Z-WvU-ß-fpsS ASn-ÿm-\-Øn¬ ]eni \nc°v

Ipd-®p-sIm-≠p-h-cm≥ km[n-°pw.

kz¿W hmbv] FSp-°-W-sa-¶n¬ ]W-b-s∏-Sp-Øm≥ ssIbn¬ kz¿Ww thWw.C≥jp-d≥kv t]mfn-kntbm ayqNz¬ ≠vbqWn-‰p-Itfm ]W-b-s∏-SpØn hmbv] FSp-°m\pw AsXms° ssIh-i-ap-≈-h¿t°]‰q. H∂pw ]W-b-s∏-Sp-Øm-\n-√m-Ø-h¿°vt]gvk-W¬ temWns\ Bi-bn-°p-Itb\nhr-Øn-bp≈q; ]tXy-In®v ssIhiw kz¿Wtam ayqNz¬ t≠m t]mep≈ BkvXn-Iƒ ssIh-i-an-√mØ sNdp-∏-°m¿°v.

Hcp ]W-b-hp-an-√msX \¬Ip∂ hmbv]Bb-Xn-\m¬ t]gvk-W¬ temWns‚ ]eni\nc°v Db¿∂-Xm-Wv. F∂m¬ hmbv] FSp-°p-∂-bm-sf kw_-‘n® hnhn[ am\-Z-WvU-ß-fpsS ASn-ÿm-\-Øn¬ ]eni \nc°vIpd-®p-sIm-≠p-h-cm≥ km[n-°pw.

t]gvk-W¬ temWns‚ ]eni \nc°vIpd-bv°m-\p≈ G‰hpw \√ am¿Kw anI®sIUn‰v kvtIm¿ \ne-\n¿Øp-I-bm-Wv. D]-t`m-‡m-hns‚ ap≥Ime hmbv]m Ncn-Xw,At]-£n-®n-´p≈ hmbv]m XpI, tPmensNøp∂ ÿm]-\-Øns‚ kz`mhw XpS-ßn-b-h-sbms° hmbv]m tbmKyX hne-bn-cp-Øp-tºmƒ ]cn-K-Wn-°-s∏-Spw.

750\v apI-fn¬ sIUn‰v kvtIm¿ Ds≠-¶n¬ \nßƒ°v t]gvk-W¬ temWns‚

750\v apI-fn¬ sIUn‰vkvtIm¿ Ds≠-¶n¬ \nßƒ°v t]gvk-W¬ temWns‚]eni\nc°v Ipd™ \ne-hm-c-Øn-te°v FØn-°m≥km[n-°pw. sIUn‰v Im¿Uv_n√p-Ifpw CFw-sFbpwIrXy-k-a-bØv AS-®p-Xo¿Øm¬ sIUn‰v kvtIm¿ sa®-s∏-Sp-Øm≥ km[n-°pw.

]eni \nc°v Ipd™ \ne-hm-c-Øn-te°vFØn-°m≥ km[n-°pw. sIUn‰v Im¿Uv_n√p-Ifpw CFw-sFbpw IrXy-k-a-bØvAS-®p-Xo¿Øm¬ sIUn‰v kvtIm¿ sa®-s∏-Sp-Øm≥ km[n-°pw. \nßƒ°v ]c-am-h[n FSp-°m-hp∂ hmbv]-bpsS 30 iX-am-\-Øn¬ IqSmsX hmbv]m hn\n-tbmKw \S-Øp-I-bm-sW-¶n¬ sIUn‰v kvtIm¿ sa®-s∏-Spw.

sIUn‰v dnt∏m¿ v \n›nX Imebfhn-\p-≈n¬ ]cn-tim-[n-°p-∂Xv sIUn‰v kvtIm¿ FhnsS \n¬°p-∂p-sh∂v hne-bn-cp-Øm≥ klm-b-I-am-Ipw. sIUn‰v kvtIm¿ kuP-\y-ambn Hm¨sse≥ hgn Adn-bm≥ km[n-°pw. sIUn‰v Im¿Uv hmbv]-Iƒ FSp-°p-∂Xv ]c-am-h[n Ipd-bv°m≥ ian-°p-I. sIUn‰v Im¿Up-Iƒ Bh-iy-Øn¬ IqSp-X¬ ssIhiw sh°p-∂Xpw \√ ioe-a-√.sIUn‰v Im¿Up-I-fpsS Hm -dp-I-fn¬ hiw-h-Z-cmbn ]pXnb At]-£-Iƒ \¬In Im¿Up-I-fpsS FÆw h¿[n-∏n-°-cp-Xv.

\ne-hn¬ hmbv]-I-fp-s≠-¶n¬ hmbv]mtbmKyX AXn\v A\p-k-cn®v Ipd-bpw. iº-fw, hmbv]-bpsS amk-KUp F∂n-h-sb√mwIW-°n-se-Sp-ØmWv \nßƒ°v A\p-h-Zn-°m-hp∂ hmbv]m-XpI _m¶v \n›-bn-°p-

∂-Xv. Xncn-®-Shv Ime-b-fhv Ah-km-\n-°m-dmb \ne-hn-ep≈ hmbv]-Iƒ t¢mkv sNøp-∂Xv hmbv]m tbmKyX h¿[n-∏n-°m≥ klm-b-I-am-Ipw. sIUn‰v kvtIm¿ sa®-s∏-Sp-Øp-∂-Xn\pw t`Z-s∏´ ]en-i-\n-c°v Dd-∏p-h-cp-Øp-∂-Xn\pw CXn-eqsS km[n-°pw.

D]-t`m-‡m-hns‚ ]IrXw hmbv]mtbmKyX \n¿W-bn-°p-∂-Xn¬ Hcp ][m\LS-I-am-Wv. ap≥Im-eØv hogvN hcp-ØmsXhmbv]m XpI Xncn-®-S-® Ncn-X-amWv \nßƒ

°p-≈-sX-¶n¬ AXv]pXnb hmbv] FSp-°p-tºmƒ KpW-I-c-am-Ipw.]pXnb tPmenbn¬ ]th-in°p∂-Xn\v \ne-hn¬ Xma-kn-°p∂ \K-c-Øn-se-Øn-bXv ASp-Øn-sS-bm-sW-¶n¬ \nßƒ Db¿∂ dnkvIp≈D]-t`m-‡m-hm-bn-´m-bn-cn°pw ]cn-K-Wn-°-s∏-SpI. AXv BZysØ tPmen-bm-sW-¶n¬ dnkvIv]ns∂bpw IqSpw. AtXkabw \nßƒ°v _m¶n¬ Hcp kmedn A°u≠p-s≠-¶n¬, Zo¿L-amb CS-]mSv Ncn-XhpwanI® hcp-am-\-hp-ap-s≠-¶n¬ \nßsf dnkvIv Ipd™ D]-t`m-‡m-hm-bn- m-bn-cn°pw _m¶v ]cn-K-Wn-°-pI.

Personal Finance


cq]-bpsS aqey-tim-jWw

\nßsf Fßs\ _m[n°pw?hntZ-iØv ]T\w \S-Øp-∂-h¿°v cq]-bpsS aqey-tim-jWw hgn-bp≠mIp∂ AanX sNehv

aqe-ap≈ \jvSw Ipd-bv°m≥ slUvPnwKv coXn-Iƒ A\p-h¿Øn-°m-hp-∂-Xm-Wv.

HmKÃv BZy-hmcw apX¬ tUmf-dns‚aqeyw 70 cq]°v apI-fn¬ XpS-cp-I-bm-Wv.cq]-bpsS aqey-Øn-ep-≠mIp∂ Cu timjWw kº-Zvhy-h-ÿ-sbbpw hy‡n-I-fpsSkmº-ØnI ]h¿Ø-\-ß-sfbpw _m[n-°p∂ ][m\ LS-I-am-Wv.

IqUv Hmbn-ens‚ hne Db-cp-∂Xv hym]mc IΩn Db¿Øp∂ LS-I-am-Wv. CXv cq]-bpsS aqeysØ ]Xn-Iq-e-ambn _m[n-°p-∂p. hntZi \nt£] ÿm]-\-ßƒ XpS¿®-bmbn Hml-cn-Iƒ hn¬°p-∂Xv cq]-bpsSaqey-X-I¿®°v Imc-W-am-Ip∂ as‰m-cp LS-I-am-Wv.

cq]-bpsS aqey-Øn-ep-≠m-Ip∂ CSnhvaqew Hcp mKØv C¥y≥ kº-Zvhy-h-ÿ-a√n-Sp-Ibm-Wv. ]W-s∏-cp∏w Db-cm≥ cq]-bpsS aqey-tim-jWw Imc-W-am-Im-hp-∂-Xm-Wv. km[m-cW \ne-bn¬ Ib-‰p-aXn \S-Øp

∂ Iº-\n-IfpwhntZi C

¥y-°m-

cpw cq]-bpsS aqey-X-I¿®-bpsS KpWt`m-‡m-°-fm-Wv. AtX kabw sFSn t]mep≈ tUmf-dn¬ hcp-am\w t\Sp∂ Ib-‰p-aXntIµnX taJ-e-Iƒ°mWv cq]-bpsS aqey-X-I¿® KpW-I-c-am-Ip-∂-Xv. bpFkv CXccmPy-ß-fn-te-°p≈ Ib‰paXn \S-Øp∂Iº-\n-Iƒ°v henb t\´-ap-≠m-Im-\n-S-bn-√. ImcWw a‰v Id≥kn-I-fpw cq-]-bvs°m∏waqey-tim-jWw t\cn-Sp-∂p-≠v.

tIc-f-Øns‚ kºZvhyhÿbn¬ hntZi ae-bm-fn-I-ƒ sNep-Øp∂ kzm[o\w \n¿Wm-b-I-am-Wv. tIc-f-Ønse Hcp hn`mKw IpSpw-_-ß-fpsS Db¿∂ kmº-ØnI tijnbpw anI® PohnX \ne-hm-chpw Kƒ v ae-bm-fn-I-fpsS A[zm-\-Øns‚ e-am-Wv. cq]-bpsS aqeyw CSn-bp-tºmƒ B A[zm-\-Øn\vhne-tb-dp-∂p. ]t£ BtKmf kmº-ØnIamµyw Kƒ v ae-bm-fn-IfpsSbpw hcp-am\wIpd-bm≥ Imc-W-am-b-Xn-\m¬ Ct∏m-gsØcq]-bpsS aqey-tim-jWw Ah¿°pw Imcy-ambn KpW-]-Z-am-bn-sb∂v ]d-bm-\m-In-√.

C‘\ hne Db-cp-∂-Xn-\mWv cq]-bpsSaqey-X-I¿® hgn-sh-°p-∂-Xv. \ne-hn¬ CXv]W-s∏-cp-∏w Db-cp-∂-Xn\v Imc-W-am-Im-ØXv kº-Zvhy-h-ÿ-bnse CS¿® aqew D]-t`mKw Ipd-™-Xn-\m-em-Wv. AtX kabwhy‡nKX _P‰v Db-cp-∂-Xn\v C‘\ hne-bnse h¿[\ Imc-W-am-Ip-∂p.

hntZ-iØv D]-cn-]-T\w \S-Øp-∂-hsc cq]-bpsS aqey-tim-jWw tZmj-

I-c-ambn _m[n-°pw. 2017¬ HcptUmf-dn\v 65 cq] \¬In-bn-cp

∂ ÿm\Øv Ct∏mƒ 71.5cq]-bmWv \¬tI-≠-

Xv. AXm-bXv

hntZ-iØv D]-cn-]-T\w \S-Øp-∂-hsc cq]-bpsS aqey-tim-jWw tZmj-I-c-ambn _m[n-°pw. 2017¬ Hcp tUmf-dn\v65 cq] \¬In-bn-cp∂ ÿm\Øv Ct∏mƒ 71 cq]-bmWv\¬tI-≠-Xv. AXm-bXv sNe-hp-I-fn¬ ]Øv iX-am\w h¿[\ Id≥kn-bpsS aqey-Øns‚ ASn-ÿm-\-Øn¬ amXwD≠m-Ip-∂p.

sNe-hp-I-fn¬ ]Øv iX-am\w h¿[\ Id≥kn-bpsS aqey-Øns‚ ASn-ÿm-\-Øn¬amXw D≠m-Ip-∂p. hntZ-iØv ]Tn-°p-∂-h¿°mbn ]Ww Ab-°p-tºmƒ AXv H‰Xh-W-bmbn sNøp-∂-Xn\v ]Icw HmtcmssXam-k-Øn-ep-ambn Ab-°p∂ coXnA\p-h¿Øn-°p-∂-XmIpw DNn-Xw.

hntZ-iØv ]T\w \S-Øp-∂-h¿°v cq]-bpsS aqey-tim-jWw hgn-bp≈ AanX sNehv aqe-ap≈ \jvSw Ipd-bv°m≥ slUvPnwKv coXn-Iƒ A\p-h¿Øn-°m-hp-∂-Xm-Wv. tUmfdn¬ \nt£]n°p∂Xn\p≈ Hcpam¿Kw Id≥kn hym]mcamWv. F≥FkvCbnse Id≥kn tSUnwKv πm‰v t^mw D]tbmKn®v bpFkv tUmf¿˛cq] s]bdn¬hym]mcw sNømw. bpFkv tUmfdns‚aqeyw Dbcpsa∂ ]Xo£ \ne\n¬°p∂

kmlNcyØn¬ tUmf¿˛cq] s]b¿ hmßpIbmWv sNtø≠Xv.

bpFkv t]mep≈ cmPy-ß-fnte°v bmX \S-Øp-∂-h-cpsS sNehvh¿[n-°m≥ cq]-bpsSaqey-tim-jWw Imc-W-am-Ip-∂p. CØcw kml-N-cy-ß-fn¬ tjm∏nwKv ]c-am-h[n Ipd-bv°pI amXta sNe

hv \nb-¥n-°m≥ am¿K-ap-≈q.


Personal Finance


kwbp-‡- hmbv]bv°v

KpW-ßfpw tZmj-ßfpap≠vCFwsF AS-bv°p-∂Xv Hcmƒ amX-am-sW-¶nepw `h-\-Øn\v kwbp-‡ DS-a-ÿ-X-bp-s≠-¶n¬

hmbv]bv°v At]-£n-°p-∂Xpw kwbp-‡-am-bn Bbn-cn-°-Ww.

`h\ hmbv] FSp-°p-tºmƒ `mcybpw `¿Ømhpw kwbp-‡-ambn At]£Icm-Im≥]e _m¶p-Ifpw Bh-iy-s∏-Sm-dp-≠v. mcybpw`¿Ømhpw kwbp-‡-ambn hmbv] FSp-°p-tºmƒ Nne KpW-ß-fp-w H∏w Nne \yq\-X-Ifpw IqSn-bp-s≠∂v a\-kn-em-t°-≠-Xp-≠v.

`h-\-Øns‚ DSaÿX kwbp-‡-ambn`mcybv°pw `¿Ømhn\pamsW-¶n¬ Ccp-hcpw tN¿∂v hmbv]°v At]-£n-t°≠nhcpw. CFwsF AS-bv°p-∂Xv Hcmƒ amX-am-sW-¶nepw kwbp-‡X DS-a-ÿ-X-bp-s≠-¶n¬ hmbv]°v At]-£n-°p-∂Xpw kwbp-‡-am-bn Bbn-cn-°-Ww.

`mcy°pw `¿Øm-hn\pw hcp-am-\-ap-s≠-¶n¬ Ccp-hcpw tN¿∂v At]-£n-°p-tºmƒhmbv]m tbmKyX Db¿Øm-hp-∂-Xm-Wv. DZm-l-c-W-Øn\v `¿Øm-hn-\p≈ ]c-am-h[nhmbv]m tbmKyX 30 e£hpw mcy-bv°p≈hmbv]m tbmKyX 20 e£-hp-am-sW-¶n¬ Ccp-hcpw tN¿∂v At]-£n-°p-tºmƒ 50 e£-bpsS cq]bpsS hmbv] e`y-am-Ipw.

`mcysb IqSn At]-£-I-bm-°p-∂-Xns‚Hcp KpWw ]en-i-\n-c°v Ipd-bp-sa-∂-Xm-Wv.]e _m¶p-Ifpw kvXoIƒ°v Ipd™ \nc-°n¬ hmbv] A\p-h-Zn-°p-∂p-≠v. mcybpw`¿Ømhpw tN¿∂v At]-£n-®m¬ kvXoIƒ°p≈ Ipd™ \nc°v e`y-am-Ipw.

Ccp-h¿°pw \nIpXn Cfhv e`n-°p-∂p-sh-∂-XmWv as‰mcp KpWw. BZmb \nIpXn

`mcybpw `¿Ømhpw kwbp-‡-ambn FSpØ hmbv]-bpsS Xncn-®-Shv Hcmƒ apS-°p-I-bm-sW-¶n¬ AXv Ccp-h-cp-sSbpw sIUn‰v kvtIm¿ Ipd-bp-∂-Xn\v Imc-W-am-Ipw. Xncn-®-Shv apS-ßp-I-bm-sW-¶n¬AXv `mhn-bnse Ccp-h-cp-sSbpw hmbv]m tbmKy-Xsb]Xn-Iq-e-ambn _m[n-°pw.

\nbaw 80 kn ]Imcw H∂c e£w cq] hsc-bp≈ aqe-[-\-Øn-t∑-ep≈ Xncn-®-S-hn\v\nIpXn Cfhv e`y-am-Wv. CXv Ccp-h¿°pwAh-Im-i-s∏-Smw. e-Øn¬ BZmb \nIpXn\nbaw 80 kn ]Imcw aq∂v e£w cq] hsc-bp≈ \nIpXn Cfhv `mcy°pw `¿Øm-hn\pw tN¿∂v t\Sn-sb-Sp-°mw.

BZmb \nIpXn \nbaw 24 ]Imcw ]en-i-bn-\-Øn-ep≈ c≠v e£w cq] hsc-bp≈ Xncn-®-Shn\v Cfhv e`y-am-Wv. Ccp-h¿°v tN¿∂v \mev e£w cq] hsc-bp≈]eni C\-Øn-ep≈ Xncn-®-S-hn\v Cfhv e`y-

am-Ipw. AXm-bXv ]Xn-h¿jw samØw Ggve£w cq] hsc-bp≈ Xncn-®-S-hn-\mWv \nIpXn Cfhv e`y-am-Ip-∂-Xv.

CXbpw KpW-h-i-ßƒ kwXr-]vX-ambHcp `mcym- ¿Xr-_-‘-Øns‚ ]Xn- -e-\-amWv. AtX kabw `mcybpw `¿ØmhpwXΩn¬ GsX-¶nepw Xc-Øn-ep≈ hntbm-Pn-∏p-Itfm `n∂-X-Itfm D≠m-bm¬ AXvhmbv]-bpsS Xncn-®-S-hn¬ ]Xn- -en-°mw.

DZm-l-c-W-Øn\v mcy tIm -B-πn-°‚ vamX-am-bn-cn-°p-Ibpw `¿Ømhv CFwsFAS-bv°p-∂Xv \n¿Øp-Ibpw sNbvXm¬ Xncn-®-S-hns‚ apgph≥ _m[y-Xbpw `mcy-bp-tS-Xm-Ipw. PohnX ]¶m-fn-sem-cmƒ acn-®m¬hmbv]m Xncn-®-Shv at‰-bm-fpsS _m[y-X-bm-bn-cn-°pw.

`mcybpw ¿Ømhpw kwbp-‡-ambn FSpØ hmbv]-bpsS Xncn-®-Shv Hcmƒ apS-°p-I-bm-sW-¶n¬ AXv Ccp-h-cp-sSbpw sIUn‰vkvtIm¿ Ipd-bp-∂-Xn\v Imc-W-amIpw. hmbv]m Xncn-®-Shv apS-ßp-I-bm-sW-¶n¬ AXv`mhn-bnse Ccp-h-cp-sSbpw hmbv]m tbmKy-Xsb ]Xn-Iq-e-ambn _m[n-°pw.

PohnX ]¶m-fn-I-fn¬ Hcm-fpsS acWwat‰-bm-fpsS _m[yX h¿[n-∏n-°m-Xn-cn-°m≥Ccp-h-cp-sSbpw t]cn¬ kwbp-‡-ambn HcptSw t]mfnkn FSp-°pbpw `h\ hmbv]bpsS Xncn-®-Shv Ih-td-Pn¬ Dƒs∏-Sp-Øp-Ibpw sNøm-hp-∂-Xm-Wv.


Personal Finance


49 cq]bv°pw BtcmKy

C≥jp-d≥kv t]mfnknsU¶n C≥jp-d≥kv, ^n‰v\kv C≥jp-d≥kv, sImXpIv C≥jp-d≥kv˛ CØcw

t]mfn-kn-Iƒ FSp-°m≥ ]tXyI IS-emkv tPmen-I-sfm∂pw Bh-iy-an-√.

hfsc sNdnb ]oanbw amXw CuSm-°n-bp≈ t]mfn-kn-Iƒ Cubn-sS-bmbn sse^v, P\-d¬ C≥jp-d≥kv Iº-\n-Iƒ ]pd-Øn-d-°n-bn- p-≠v. hnhn[ UnPn-‰¬ Nm\-ep-Iƒ hgn-bmWv CØcw t]mfn-kn-I-fpsShn¬∏\ \S-°p-∂-Xv. sU¶n C≥jp-d≥kv,^n‰v\kv C≥jp-d≥kv, sImXpIv C≥jp-d≥kv XpS-ßn-bh CXn¬ Dƒs∏-Sp-∂p.

sam_n-IznIv t]mep≈ UnPn-‰¬ πm‰vt^m-ap-Iƒ hgn CØcw t]mfn-kn-Iƒ hfsc Ffp-∏-Øn¬ hmßm≥ km[n-°pw. Hcpt^mw ]qcn∏n®v \¬Ip-Itbm saUn-°¬sSÃn\v hnt[-b-am-Ip-Itbm H∂pw sNtø-≠-Xn-√. IqSp-X-embpw sNdp-∏-°m-cmWv CØcw t]mfn-kn-Iƒ UnPn-‰¬ πm‰vt^m-ap-Iƒ hgn hmßp-∂-Xv. IS-emkv tPmen-IƒH∂pw Xs∂ Bh-iy-an-√m-ØXv sNdp-∏-°m-cmb D]-t`m-‡m-°sf CØcw t]mfn-kn-Iƒ hmßp-∂-Xn\v t]cn-∏n-°p∂ LS-I-am-Wv.

Nne ]tXyI kok-Wp-I-fn¬ D≠m-Ip∂ dnkvIns\-Xn-cmb ]cn-c-£-bmWv CØcw t]mfn-kn-Iƒ \¬Ip-∂-Xv. DZm-l-c-W-Øn\v amIvkv _p] C≥jp-d≥kv sam_n-IznIvhgn a¨kq¨ ImeØv D≠m-Ip∂ ate-dn-b°pw sU¶n ]\n°pw Ih-tdPv \¬Ip∂ t]mfnkn hn¬°p-∂p-≠v. ssiXy Ime-ß-fn¬ Zn√n t]mep≈ ]tZ-i-ß-fn¬ hmbp-

]tXyI Ih-tdPv \¬Ip∂C≥jp-d≥kv t]mfn-kn-I-fpsSG‰hpw henb khn-ti-jX]oanbw hfsc Ipd-hmWv F∂-Xm-Wv. DZm-l-c-W-Øn\v amIvkv _p] C≥jp-d≥kv ate-dn-b°pw sU¶n ]\n°pw Ih-tdPv \¬Ip∂ t]mfnkn°vCuSm-°p-∂ ]oanbw shdpw49 cq] amX-am-Wv.

hn-eqsS ]I-cp∂ tcmK-ßƒ°p≈ Ih-td-Pn\pw Unam‚ v h¿[n-®p-h-cp-∂p-≠v.

CØcw t]mfn-kn-I-fpsS G‰hpw henbkhn-ti-jX ]oanbw hfsc Ipd-hmWv F∂-Xm-Wv. DZm-l-c-W-Øn\v amIvkv _p]C≥jp-d≥kv ate-dn-b°pw sU¶n ]\n°pwIh-tdPv \¬Ip∂ t]mfnkn°v CuSm-°p-∂Xv shdpw 49 cq] amX-am-Wv. AkpJw_m[n-®v NnIn’ tXSn-bm¬ 10,000 cq] e`n-°pw. tNmf aWvUe C≥jp-d≥kv Iº-\n-bpsS Hcp e£w cq]-bpsS A]-IS C≥jp-

d≥kns‚ ]oanbw 20 cq] amXw.

CØcw t]mfn-kn-Iƒ Zo¿L Ime-b-f-hn-te°v e`y-a-√. sNdnb Ime-b-f-hp-I-fn-te°v amX-amWv CØcw t]mfn-kn-Iƒ FSp-°m-\m-hp-I. ASpØ h¿jw ]oanbw ]pXp-°n-bn-s√-¶n¬ henb \jvSw ]oanbw C\-Øn¬ kw -hn-°p-∂n-√. CØcw t]mfn-kn-Iƒ hfsc sNdnb ]oan-b-Øn¬ e`y-am-b-Xn-\m¬ henb kmº-ØnI \jvSw kw`-hn-°p-∂n-√. AtX kabw ka-K-ambBtcm-Ky, sse v C≥jp-d≥kv t]mfn-kn-Iƒ°v ]Icambn CØcw t]mfn-kn-Isf]cn-K-Wn-°-cp-Xv. Ch \nßƒ°v Bh-iy-amb C≥jp-d≥kv Ih-tdPv \¬Ip∂n-√.

DZm-l-c-W-Øn\v ate-dn-b°pw sU¶n]\n°pw Ih-tdPv \¬Ip∂ t]mfnkn°pIogn¬ ikvX-In-b°v Ih-tdPv e`y-a-√.AXp-sIm≠v BtcmKy kw_-‘-amb]iv\-ßƒ aqew kw`-hn-°m-hp∂ henbkmº-ØnI _m[yX eLq-I-cn-°m≥km[m-cW BtcmKy C≥jp-d≥kv t]mfn-kn-Iƒ Xs∂ FSp-t°-≠-Xp-≠v. ]tXyIt]mfn-kn-Iƒ Ih-tdPv \¬Ip-∂Xv kw_-‘n®v ]pd-s∏-Sp-hn-®n-´p≈ \n_-‘-\-IƒIqSn i≤n-t°-≠-Xp-≠v.

km[m-cW BtcmKy C≥jp-d≥kv t]mfn-kn-Iƒ PohnX Imew apgp-h≥ ]pXp-°m-\m-Ipw. F∂m¬ ]tXyI Ih-tdPv \¬Ip∂ t]mfn-kn-Iƒ F√m-bvt∏mgpw e`y-am-Iptam F∂ Imcy-Øn¬ Ahy-‡-X-bp-≠v.CØcw sNdnb ]oan-b-ap≈ t]mfn-kn-IƒXm¬°m-enI Bhiyw F∂ \ne-bn¬

amXta ]cn-K-Wn-°m-hq.

sU¶n ]\n ]S¿∂p ]nSn-°p∂ kok-Wn¬ AXv ]nSns]´m-

ep-≠m-Im-hp∂ sNe-hp-Isf]cn-an-X-s∏-Sp-Øm≥ Ipd®v

BgvN-Itfm amk-ßtfmamXw ]tbm-P-\-s∏-Sp-Øm-hp∂ t]mfnkn F∂ \ne-bn¬ amXtaCØcw t]mfn-kn-Isf ImWm-hq. aXn-bmb BtcmKy C≥jp-d≥kv Ih-tdPv Dd-∏p-h-cp-ØpI F∂XvCXn\v ]pd-sa-bp≈Imcy-am-Wv.


Insurance


Insurance

F√m sse^v C≥jp-d≥kv

t]mfn-kn-Iƒ°pw

\nIpXn Cfhv e`y-a√]n]n-F- v, C]n-F- v, F≥]n-Fkv XpS-ßnb Zo¿L-Ime \nt£] ]≤-Xn-Isf t]mse

]q¿W-amb \nIpXn Cf-hp-Iƒ sse^v C≥jp-d≥kv t]mfn-kn-Iƒ°v e`n-°p-∂n-√.

sse^v C≥jp-d≥kns\ \nt£-]-am-bmWv C¥y-bnse P\-ßƒ sX‰n-≤-cn-®n-cn-°p-∂-Xv. F≥tUm-hvsa‚ v πm\p-Ifpw aWn_m°v πm\p-Ifpw t]mep≈ t]mfn-kn-Iƒhym]-I-ambn hn‰-gn-°-s∏-Sp-∂Xv AXp-sIm-≠m-Wv. sse v C≥jp-d≥kv Iº-\n-IfpwCu sX‰n-≤m-cW apX-se-SpØpw hf¿Øn-bp-amWv hn¬∏\ sImgp-∏n-°p-∂-Xv. Cu]h-WX°v XS-bn-Sm≥ \nIpXn kw_-‘-amb I¿i\ hyh-ÿ-Iƒ klm-b-I-am-Iptam?

]n]n-F- v, C]n-F- v, F≥]n-Fkv XpS-ßnb Zo¿L-Ime \nt£] ]≤-Xn-Isft]mse ]q¿W-amb \nIpXn Cf-hp-Iƒ sse^v C≥jp-d≥kv t]mfn-kn-Iƒ°v, ]tXy-In®v \nt£]w IqSn Dƒs∏-Sp-Øn-bp≈ t]mfn-kn-Iƒ°v e`n-°p-∂n-√. t]mfn-kn-I-fpsS\nt£] Ime-b-fhv ]q¿Øn-bm-Ip-tºmƒe`n-°p∂ hcp-am-\-Øn\v \nIpXn \¬Ip-∂Xp kw_-‘n® hyh-ÿ-Iƒ Ign™_P-‰n¬ I¿i-\-am-°n-bn-cn-°p-I-bmWv.

BZmb \nIpXn \nbaw 194 Un F Cuh¿jw t`Z-KXn hcp-Øn-bn-´p-≠v. ]pXnbt`Z-KXn ]Imcw sse v C≥jp-d≥kv t]mfn-kn-I-fpsS Ime-b-fhv ]q¿Øn-bm-Ip-tºmƒe`n-°p∂ A‰-h-cp-am\w \nIpXn hnt[-b-am-sW-¶n¬ A©v iX-am\w SnUn-Fkv _m[-I-am-Ipw. C≥jp-d≥kv Iº-\n-bn¬ \n∂pe`n® XpIbn¬ \n∂pw AXp-hsc AS®]oanbw XpI Ingn-®mWv A‰hcp-am\w I

sse v C≥jp-d≥kv t]mfn-kn-I-fpsS Ime-b-fhv ]q¿Øn-bm-Ip-tºmƒ e`n-°p∂A‰-h-cp-am\w \nIpXn hnt[-b-am-sW-¶n¬ A©v iX-am\w SnUn-Fkv _m[-I-am-Ipw.C≥jp-d≥kv Iº-\n-bn¬\n∂p e`n® XpIbn¬ \n∂pw AXp-hsc AS® ]oanbw XpI Ingn-®mWv A‰hcp-am\w IW-°m-°p-∂-Xv.

W-°m-°p-∂-Xv. t_mW-kn-s\bpw A‰-h-cp-am-\-ambn IW-°m-°pw. t\csØ Hcp iX-am-\-amWv SnUn-Fkv Bbn CuSm-°nbn-cp-∂-Xv.

AtX kabw C≥jp-d≥kv Iº-\n-bn¬\n∂v e`n-°p∂ samØw XpI Hcp e£wcq]°v Xmsg-bm-sW-¶n¬ SnUn-Fkv _m[-I-a-√. t]mfnkn DSa acn-®-Xn\p tijw t\man\n°v kw Atjz¿Uv ssIam-dp-I-bm-sW-¶nepw SnUn-Fkv _m[-I-a-√. AXn-\m¬tSw t]mfn-kn-I-fnse s¢bn-an\v SnUn-Fkv_m[-I-am-In-√.

hm¿jnI ]oanbw C≥jp-d≥kv XpI(kw Atjz¿Uv)-bpsS ]Øv iX-am-\-Øn\v apI-fn-em-sW-¶n¬ BZmb \nIpXn _m[-IamIpw. DZm-l-c-W-Øn\v c≠v e£w cq]C≥jp-d≥kv XpIbp≈ Hcp t]mfn-kn-bpsShm¿jnI ]oanbw 20,000 cq]bv°v apI-fn-em-sW-¶n¬ e`n-°p∂ hcp-am-\-Øn\v \nIpXn _m[-I-am-Ipw.

2012 G]n¬ H∂n\v apsº-SpØ sse vC≥jp-d≥kv t]mfn-kn-IfpsS Imcy-Øn¬C≥jp-d≥kv XpI ]oanbØns‚ A©n-c-´n-bn¬ Xmsg-bm-sW-¶n¬ \nIpXn Cfhv e`y-ambn-cn°n√. AXm-bXv t]mfn-kn- Ime-b-fhv ]q¿Øn-bm-Ip-tºmƒ e`n-°p∂ hcp-am\w a‰v hcp-am-\-Øn¬ Dƒs∏-SpØn Xs‚\nIpXn …m_v A\p-k-cn-®p≈ \nIpXn \¬Im≥ t]mfnkn DSa _m[y-ÿ-\m-Wv.

2012- 13¬ \ne-hn¬ h∂ N´w A\p-k-cn®v F√m sse v C≥jp-d≥kv t]mfn-kn-Iƒ°pw BZm-b-\n-IpXn \nbaw sk£≥80 (kn) ]Imcw \nIpXn Cfhv e`n-°p-∂-X-√. hm¿jnI ]oanbw C≥jp-d≥kv XpI(kw A tjz¿Uv)-bpsS ]Øv iX-am-\-Øn\v apI-fnem-sW-¶n¬ \nIpXn Cfhv e`y-a√. CØcw t]mfn-kn-I-fn¬ \n∂v \nt£]w ]n≥h-en-°p-tºmgpw e`n-°p∂ hcp-am-\-Øn\v \nIpXn \¬tI≠n hcpw. \nt£]w ]n≥h-en-°p-tºmƒ A©v iX-am\w SnUn-F-kn\p tij-ap≈ XpI t]mfnkn DSat\cn v \¬Inbn-cn-°-Ww.



BtcmKy C≥jp-d≥kv ]oanbw

Iam-Xo-X-ambn h¿[n-®m¬....

Nne kµ¿ -ß-fn¬

BtcmKy C≥jp-d≥kv

sNe-th-dn-b-Xm-Ip-Ibpw

t]mfnkn ]pXp-°p-∂Xv

henb kmº-ØnI

`mc-am-hp-Ibpw sNøm-dp-≠v.

Hcmƒ°v ASn-ÿm-\-]-c-ambn Bh-iy-ambdnIvkv Ih-td-Pp-I-fn-sem-∂mWv BtcmKyC≥jp-d≥kv. AXp-sIm-≠p-Xs∂ AXvIrXy-ambn ]oanbw AS®v ]pXp°n ]cn-c£ Zo¿L-Im-e-tØ°v e`y-am-Ip-∂p-s≠∂vDd∏v hcp-tØ-≠-Xp-≠v. AtX kabw Nnekµ¿ -ß-fn¬ BtcmKy C≥jp-d≥kv t]mfnkn sNe-th-dn-b-Xm-Ip-Ibpw AXv XpS-cp-∂Xv henb kmº-ØnI mc-am-hp-Ibpw sNøm-dp-≠v. AØcw Ah-kcßfn¬ F¥mWvsNtø-≠Xv?

ASp-Øn-sS-bmbn apXn¿∂ ]uc≥am-cpsS BtcmKy C≥jp-d≥kv ]pXp-°p-∂-Xn-\p≈ ]oan-b-Øn¬ \qdv iX-am\w hsch¿[-\-bp-≠m-bn-´p-≠v. ]ecpw Ih-tdPv \jvS-am-Ip-at√m F∂ Bi-¶-bn¬ Db¿∂]oanbw \¬In t]mfn-kn-Iƒ ]pXp-°m-dp-≠v. ]t£ ]oan-bhpw t]mfnkn Ih-tdPv XpIbpw XΩn-ep≈ A\p-]mXw ]cn-K-Wn-®p-thWw AØcw Ah-k-c-ß-fn¬t]mfnkn ]pXp-°-tWm-sb∂ Imcy-Øn¬Xocp-am-\-sa-Sp-t°-≠-Xv.

Ih-tdPv XpI-bpsS ]Øv iX-am-\-Øn¬IqSp-X-emWv ]oan-b-sa-¶n¬ t]mfnkn ]pXp-°p∂Xn\v apºv Btem-Nn-t°-≠-Xp-≠v. DZm-l-c-W-Øn\v apXn¿∂ ]uc≥am-cpsS \meve£w cq] Ih-td-Pp≈ t]mfn-kn-bpsShm¿jnI ]oanbw 50,000 cq]-bmbn Db-cp-I-bm-sW-¶n¬ t]mfnkn ]pXp-°m-Xn-cn-°p-∂-XmIpw DNn-Xw. apdn hmSI ]cn[n t]mep≈\n_-‘-\-Iƒ IqSn-bp-s≠-¶n¬ AØcwt]mfn-kn- Xo¿Øpw sNe-th-dn-b-Xm-sW∂vXo¿®-s∏-Sp-Ømw.

ASp-Øn-sS-bmbn apXn¿∂]uc≥am-cpsS BtcmKy C≥jp-d≥kv ]pXp-°p-∂-Xn-\p≈ ]oan-b-Øn¬ \qdv iX-am\w hsc h¿[-\-bp-≠m-bn- p-≠v. ]oan-bhpw Ih-tdPv XpIbpw XΩn-ep≈ A\p-]mXw]cn-K-Wn-®p-thWw AØcwAh-k-c-ß-fn¬ t]mfnkn]pXp-°-tWm-sb∂v Xocp-am-\nt°-≠-Xv.

AØcw kml-N-cy-ß-fn¬ NnIn’mBh-iy-ßƒ°mbn Hcp Fa¿P≥kn ≠vkzcq-]n-°p-I-bmWv sNtø-≠-Xv. ]oan-b-Øn-\mbn \¬tI≠ XpIbpw Ign-bp-sa-¶n¬AXn\v ]pdsa \n›nX XpIbpw ^nIvkUv sUt∏m-knt‰m sU‰v t≠m t]mep≈am¿K-ß-fn¬ \nt£-]n®v Fa¿P≥kn ≠vkzcq-]n-°mhp-∂-Xm-Wv.

apdn hmSI ]cn[n kw_-‘n® \n_‘\ BtcmKy C≥jp-d≥kv s¢bnw A\p-h-Zn-°-s∏-Sp-∂-Xn¬ \n¿Wm-b-I-am-Wv. apdnhmS-Ibv°v A\p-k-cn®v tUmIvS¿am-cpsS^okv, \gvknMv Nm¿Pv XpS-ßnb F√m Bip-]Xn sNe-hp-Ifpw h¿[n-°pw. Cßs\h¿[\ kw -hn-°p-tºmƒ \nßƒ°v apgp-

h≥ sNe-hn\pw s¢bnw e`n-°msX t]mIm-hp∂ kµ¿`ß --fp-≠m-Imw. DZm-l-c-WØn\v]Øv h¿jw apºv 45 hb-kp≈ Hcmƒ aq∂ve£w cq]-bpsS t]mfnkn apdn hmSI ]cn[n ]Xn-Zn\w 3000 cq] F∂ \n_-‘-\-tbmsS FSp-Øp-sh-∂n-cn-°-s´. Ct∏m-ƒ]oanbw 20,000 cq]-bmbn Db¿∂p-sh∂v Icp-Xp-I. Bip-]-Xn-bn¬ 5000 cq ] sNe-hp≈apdn-bmWv \nßƒ FSp-Ø-sX-¶n¬ \nßƒ°v apgp-h≥ sNe-hn\pw s¢bnw e`n-°n-√.DZm-l-c-W-Øn\v Hcp e£w cq]-bmWv Bip-]Xn _ns√-¶n¬ AXn¬ 60,000 cq]bv°vamXta s¢bnw A\p-h-Zn-°-s∏-Sp-I-bp-≈q._m°n 40,000 cq] t]m°-‰n¬ \n∂v \¬tI≠n hcpw. hm¿jnI ]oanbw IqSn IW-°m-°n-bm¬ \nßƒ°v hcp∂ sNehv 60,00cq]-bm-bn-cn-°pw.

CXn\v ]pdsa tcmK-ßƒ°pw NnIn-’-Iƒ°pw G¿s∏-Sp-Øn-bn- p≈ ]cn-[nbpw_m[-I-am-Wv. Nne ikvX-In-b-Iƒ°v hcp∂ sNe-hn\v A\p-h-Zn-°m-hp∂ ]c-am-h[nXpIbv°v ]cn[n G¿ s∏-Sp-Øm-dp-≠v. kwAtjz¿Uns‚ 25- 50 iX-am-\-amWv NnetcmK-ßƒ°pw ikvX-In-b-Iƒ°pw ]c-am-h[n A\p-h-Zn-°p∂ s¢bnw.

t]mfnkn ]oanbw Ipd-bv°p-∂-Xn-\p≈Hcp am¿Kw tSm]v- -A]v t]mfnkn FSp-°p-I-bm-Wv. ]mb-ta-dptºmƒ Ih-tdPv XpIDb¿Øp-∂-Xn\v tSm]v- -A]v t]mfnkn FSp-Øm¬ ]oanbw C\-Øn-ep≈ sNehv Ipd-bpw. ][m\ t]mfn-kn-bpsS Ih-tdPv XpI]q¿W-ambn D]-tbm-Kn®p Ign-™m¬ tSm]v--A]v t]mfnkn D]tbmK-s∏-Sp-Ømw.

Insurance


BtcmKy C≥jp-d≥kv ]oanbw

Iam-Xo-X-ambn h¿[n-®m¬....


SnUn-Fkv _m[-I-amb

CS-]m-Sp-Iƒhy‡n-Itfm lnµp Ahn- ‡ IpSpw-_tam Icm-dp-Im¿°pw s]m -j-W-ep-Iƒ°pw \¬Ip∂ 50 e£w

cq]°v apI-fn-ep≈ XpIbv°v SnUn-Fkv _m[-I-am-Wv. A©v iX-am-\-amWv SnUn-Fkv CuSm-t°-≠-Xv.

km[mcW \nebn¬ _P‰nse BZmb\nIpXnbpambn _‘s∏´ ]Jym]\ßƒ]m_eyØn¬ hcp∂Xv kmºØnI h¿jØns‚ Bcwàmb G]n¬ H∂n\mWv.AtX kabw 2019˛20se ]q¿W _P‰v PqssebnemWv AhXcn∏n®Xv F∂Xn\m¬sk]v‰w_¿ H∂n\mWv BZmb \nIpXnbpambn _‘s∏´ ]Jym]\ßƒ ]m_eyØn¬ h∂Xv.

\nehn¬ h\w hmßptºmƒ 50 e£wcq]°v apIfnemWv hnesb¶n¬ hmßp∂bmƒ Hcp iXam\w XpI SnUnFkv BbnCuSmt°≠Xp≠v. SnUnFkv CuSm°ptºmƒ hnebn¬ Fs¥ms° Dƒs∏SpØWsa∂v Ign™ _P‰n¬ hy‡am°nbn´p≠v. t\csØ h\Øns‚ hne amXamWv SnUnFkn\mbn ]cnKWn®ncp∂Xv. C\n apX¬ ¢_v AwKXzw, Im¿ ]m¿°nMvôkv, sshZypXn°pw sh≈Øn\pap≈kuIcyßƒ°mbn \¬Ip∂ XpI XpSßnbhsb√mw `h\ hnebvs°m∏w tN¿ØmWv SnUnFkv CuSmt°≠Xv. sk]v‰w_¿ H∂v apX¬ CXv \nehn¬ h∂p.

_m¶v, klIcW _m¶v, t]mÃv Hmôkv A°u≠pIfn¬ \n∂pw ]Xnh¿jw Hcp tImSn cq]°v apIfnep≈ XpI Imjv Bbn ]n≥hen®m¬ C\n apX¬ SnUnFkv _m[IamWv. ]n≥hen°p∂ XpIbpsS c≠v iXam\amWv SnUnFkv Bbn \¬tI≠Xv. henbXpIbpsS Imjv CS]mSpIƒ \n

_m¶v, klIcW _m¶v,t]mÃv Hm okv A°u≠pIfn¬ \n∂pw ]Xnh¿jw HcptImSn cq]°v apIfnep≈XpI Imjv Bbn ]n≥hen®m¬ C\n apX¬ SnUnFkv_m[IamWv. A°u-≠n¬\n∂v ]n≥hen°p∂ XpIbpsS c≠v iXam\amWv SnUnFkv Bbn \¬tI≠Xv.

cp’mls∏SpØm\pw Imjv CXc CS]mSpIƒ t]m’mln∏n°m\pamWv Cu\S]Sn.

hy‡n-Itfm lnµp Ahn-`‡ IpSpw-_tam Icm-dp-Im¿°pw s]m -j-W-ep-Iƒ°pw \¬Ip∂ 50 e£w cq]°v apI-fn-ep≈ XpIbv°v SnUn-Fkv _m[-I-am-Wv. A©v iX-am-\-amWv SnUn-Fkv CuSm-t°-≠-Xv. `h\w \ho-I-cn-°p-∂-Xnt\m hnhmlNS-ßp-Iƒt°m a‰v Bh-iy-ßƒt°m HcpIcm-dp-Im-ct\m s]m^-j-W-ent\m amX-ambn 50 e£w cq]°v apI-fn-ep≈ XpI\¬Ip-tºmƒ SnUn-Fkv CuSm°n _m°nXpI amXta \¬Im≥ ]mSp-≈q. hy‡n-]-c-amb Bh-iy-ßƒ°m-bmepw _nkn-\kvBh-iy-ßƒ°m-bmepw CXv _m[-I-am-Wv.AtX kabw SnU n - F k vCuSm-°p∂ hy

‡n-t°m lnµp Ahn-`‡ IpSpw-_Ønt\m Sm≥ (SmIvkv UnU-£≥ A

°u≠v \º¿) Bh-iy-an-√.

C≥jp-d≥kv t]mfn-kn-I-fpsS Ime-b-fhv ]q¿Øn-bm-Ip-tºmƒ e`n-°p∂ A‰-h-cp-am\w \nIpXn hnt[-b-am-sW-¶n¬ A©viX-am\w SnUn-Fkv _m[-I-am-Ipw. C≥jp-d≥kv Iº-\n-bn¬\n∂p e`n® XpIbn¬ \n∂pwAXp-hsc AS® ]oanbw XpI

Ingn-®mWv A‰hcp-am\w IW-°m-°p-∂-Xv. t\csØ C≥jp-d≥kv Iº-\n-bn¬ \n∂v e`n-°p∂samØw XpI-bpsS Hcp iX-am-\-amWv SnUn-Fkv Bbn CuSm-t°-≠n-bn-cp-∂-Xv. C≥jp-d≥kv Iº-\n-bn¬ \n∂v e`n-°p∂ samØwXpI Hcp e£w cq]°v Xmsg-

bm-sW-¶n¬ SnUn-Fkv _m[-I-a-√.

50,000 cq]°v Xmsg-bp≈ CS-]m-Sp-Ifpw _m¶p-Iƒ dnt∏m¿´v sNøm≥ k¿°m¿ Bh-iy-s∏-t´-°pw. sFSn-B¿ ]cn-tim-[n-°p-tºmƒ C-Øcw dnt∏m¿´p-IƒIqSn ]cn-K-Wn-°pw.

]m≥ B[m-dp-ambn _‘n-∏n-®n-s√-¶n¬\n›nX Ime-b-f-hn-\Iw ]m≥ Akm-[p-hm-°-s∏-Spw. Nne ]tXyI CS-]m-Sp-Iƒ°v amXta ]m\n\v ]Icw B[m¿ D]-tbm-Kn-°m-\m-Iq. ]t£ GsXm-s°-bmWv Cu ]tXyI CS-]m-Sp-I-sf∂v k¿°m¿ CXp-hschn⁄m-]\w Cd-°n-bn- n-√.


Tax Planning


\S∏p kmº-ØnI h¿j-Ønse tImÃvC≥ vtf-j≥ C≥UIvkv 289 Bbn sk≥S¬ t_m¿Uv Hm v Ub-dIvSv SmIvkkv ]Jym-]n-®p. 2018- 19 kmº-ØnI h¿j-ØnsetImÃv C≥ vtf-j≥ C≥UIvkv 280 BWv.

2017- 18 kmº-ØnI h¿jw apX¬ tImÃv C≥ vtf-j≥ C≥U-Ivkns‚ ASn-ÿm\ h¿jw 1981¬ \n∂pw 2001 Bbn am‰n-bn-´p-≠v. 2017se _P-‰n-emWv CXp-kw-_-‘n®]Jym-]-\-ap-≠m-b-Xv. ]pXp-°nb tImÃv C≥^vtf-j≥ C≥U-Ivkv ]Imcw \nIpXnIW-°m-°p-tºmƒ 2017-˛18\v apºp-≠m-bn-cp∂ coXn-bn-te-Xn-t\-°mƒ \nIpXn _m[yX Ipd-bpw.

C≥ vtf-js‚ (]-W-s∏-cp-∏w) ASn-ÿm-\-Øn¬ BkvXn-bpsS hne-bn-ep-≠mb h¿[\ IW-°m-°p-∂-Xn-\p≈ am\-Z-WvU-amWvtImÃv C≥ vtf-j≥ C≥UIvkv. nIvkUvsUt∏m-kn-‰p-I-fn¬ \n∂pw a‰pw e`n-°p∂]en-i samØw hcp-am-\-Øn¬ Dƒs∏-Sp-Øn-bmWv \nIpXn \¬tI-≠Xv. AtX kabwdnb¬ FtÃ-‰v, kz¿Ww, sU‰v ≠p-IƒXpS-ßn-b-h-bn¬ \n∂p≈ Zo¿L-Ime aqe-[\ t\´w tImÃv C≥ vtf-j≥ C≥UIvkns\ ASn-ÿm-\-am-°n-bmWv IW-°m-°p-∂-Xv.

DZm-l-c-W-Øn\v sU‰v ≠p-Iƒ aq∂vh¿j-Øn\p apºmWv hn¬°p-∂-sX-¶n¬aqe-[\ t\´w hcp-am-\-Øn-s\m∏w Dƒs∏-SpØn \nIpXn …m_v A\p-k-cn®v \nIpXn\¬IWw. AtX kabw aq∂v h¿j-Øn\ptij-amWv hn¬°p-∂-sX-¶n¬ t\csØ \S-Ønb \nt£-]-Øns‚ tImÃv C≥ vtf-j≥

2019- 20se tImÃv C≥ vtf-j≥ C≥UIvkv (kn-sF-sF)289 Bbn sk≥S¬ t_m¿Uv Hm v Ub-dIvSv SmIvkkv]Jym-]n-®p. 2018- 19 kmº-ØnI h¿j-Ønse tImÃvC≥^vtf-j≥ C≥UIvkv280 BWv. Db¿∂ knsFsF A\p-k-cn®v IW-°m-°p-tºmƒ aqe-[\ t\´w Ipd-bpw.

C≥UIvkv A\p-k-cn®v IW-°m°nb Ct∏mgsØ aqey-tØ-°mƒ IqSp-X-embn e`n®XpI-bpsS 20 iX-am\w \nIpXn \¬IWw.

`h-\tam a‰v sI´n-S-ßtfm qantbm hmßn-b-Xn\p tijw c≠v h¿jw ]q¿Øn-bm-Ip-∂-Xn\p apºmWv hn¬°p-∂-sX-¶n¬ aqe-[\ t\´w hcp-am-\-Øn-s\m∏w tN¿Øv \nIpXn …m_v A\p--cn®v \nIpXn \¬IWw.AtX kabw c≠v h¿j-Øn\p tij-amWvhn¬°p-∂-sX-¶n¬ Zo¿L-Ime aqe[\ t\ -ambn e`n® XpI-bpsS 20 iX-am\w \nIpXn\¬IWw.

BkvXn-bpsS hn¬∏-\-bn-eqsS e`n®Zo¿L-Ime aqe[\ t\´w FX-sb∂v IW-°m-°-W-sa-¶n¬ tImÃv C≥^vtf-j≥C≥UIvkv A\p-k-cn®v Ct∏m-gsØ aqeyw

IW-°m-t°≠-Xp-≠v. DZm-l-c-W-Øn\v 2004-˛05-¬ 30 e£w cq]bv°v \nßƒ Hcp `h\w hmßn-sb∂v Icp-Xp-I. 2019˛20¬ Cu`h\w 80 e£w cq]bv°v hn‰p-sh-∂n-cn-°-s´. 2004-˛05-sebpw 2019˛20-sebpw tImÃvC≥ vtf-j≥ C≥UIvkv Adn-™m¬ bYm¿∞ aqe-[\ t\´w IW-°m-°mw.www.incometaxindia.gov.inF∂ sh_v ssk-‰n¬ \n∂pw Hmtcmh¿jsØbpw tImÃv C≥^vtf-j≥C≥UIvkv Adn-bm-\m-Ipw.

hn‰ h¿j-sØ tImÃv C≥ vtf-j≥C≥UIvkns\ hmßnb h¿jsØ tImÃvC≥ vtf-j≥ C≥UIvkv sIm≠v lcn-®m¬In´p∂ XpIsb \nt£]w \S-Ønb XpIsIm≠v KpWn-®m¬ tImÃv C≥ vtf-j≥C≥UIvkns‚ ASn-ÿm-\-Øn-ep≈ \nt£-]-aqeyw In´pw.

`h\w hmßnb 2004- 05-se tImÃv C≥vtf-j≥ C≥UIvkv 113 BWv. hn¬∏\

\S∂ \S∏p kmº-ØnI h¿j-ØnsetImÃv C≥ vtf-j≥ C≥UIvkv 289Dw.30,00,000 X (289/113)= 76,72,566 BWv \nß-fpsS h-\-Øns‚ Ct∏m-gsØ aqeyw. CXvhn‰ XpI-bn¬ \n∂pw Ingn-®m¬ \nß-fpsSZo¿L-Ime aqe-[\ t\´w FX-sb∂v Is≠-Ømw. AXm-bXv 80,00,000˛76,72,566= 3,27,434cq] BWv \nß-fpsS Zo¿L-Ime aqe-[\t\´w. Cu XpI-bpsS 20 iX-am-\-amWv \nßƒ Zo¿L-Ime aqe-[\ t\´ \nIp-Xn-bmbn\¬tI-≠Xv. AXm-bXv 65,486.8 cq]-bm-bn-cn°pw \nßƒ \¬tI≠ Zo¿L-Ime aqe-[\ t\´ \nIp-Xn-.

knsFsF

Db-cp-tºmƒ

aqe[\ t\´

\nIpXn Ipd-bp∂p

2017- 18 kmº-ØnI h¿jw apX¬

tImÃv C≥^vtf-j≥ C≥U-Ivkns‚

ASn-ÿm\ h¿jw 1981¬ \n∂pw

2001 Bbn am‰n-bn- p-≠v.

Tax Planning



do ^≠v In´m≥ _m¶v A°u≠v

en¶v sNøWwam¿®v H∂v apX¬ Hm¨sse≥ hgn amX-amWv SmIvkv do ^≠v sNøp-∂-Xv. C˛do ^≠v e`n-°-W-sa-¶n¬

_m¶v A°u≠v SmIvkv A°u-≠p-ambn en¶v sNbvXn-cn-°-Ww.

Ign™ h¿jw ^b¬ sNbvX C≥IwSmIvkv dnt -Wns‚ do ≠v \nßƒ°v e`nt®m? CXp-hsc e`n-®n-s√-¶n¬ SmIvkv do^≠v e`n-°p-∂-Xn-\p≈ \S-]Sn Iaw]q¿Øn-bm-°m-ØXv aqe-am-Imw. do ≠v e n-°-W-sa-¶n¬ _m¶v A°u≠v \nß-fpsSSmIvkv A°u-≠p-ambn _‘n-∏n-®n-cn-°-Ww.Cubn-sS-bmWv Cu hyhÿ \n¿_-‘-am-°n-b-Xv.

_m¶v A°u≠v SmIvkv A°u-≠p-ambnen¶v sNøm≥ Hm¨sse≥ SmIvkv A°u-≠n¬ temKn≥ sNbvXv s]mss^¬ sk‰n-Mvkn¬ t]mb-Xn\p tijw "]o hmen-tU‰vbqh¿ _m¶v A°u≠v' F∂-Xn¬ ¢n°vsNøp-I. XpS¿∂v _m¶v A°u≠v \º¿,sFF- v-Fkvkn tImUv, samss_¬ \º¿,C -sa-bn¬ hnemkw XpS-ßnb hni-Zm-wi-ßƒ \¬IpI.

t]cv, P\-\-Xo-b-Xn, samss_¬ \º¿,XpS-ßnb \nßƒ \¬Inb hnh-c-ßƒ_m¶nse sdt°m¿Up-ambn HØp-t]m-Ip-∂-Xm-sW-¶n¬ A°u≠pIƒ XΩn-¬ _‘n-

_m¶v A°u≠v SmIvkv A°u-≠p-ambn en¶v sNøm≥ Hm¨sse≥ SmIvkv A°u-≠n¬ temKn≥ sNbvXv s]mss^¬ sk‰n-Mvkn¬ t]mb-Xn\p tijw "]o hmen-tU‰vbqh¿ _m¶v A°u≠v ' F∂-Xn¬ ¢n°v sNøp-I. XpS¿∂v _m¶v A°u≠v kw_-‘n® hnhcßƒ \¬IpI.

∏n-°-s∏Spw. _m¶nse hnh-c-ßƒ C≥IwSmIvkv Un∏m¿ vsa‚ns‚ Um‰m-t_-kp-ambn_‘n-∏n-®n- p-s≠-¶n¬ CXv DS≥ hmen-tU‰vsNø-s∏-Spw. _m¶nse hnh-c-ßƒ C≥IwSmIvkv Un∏m¿ vsa‚ns‚ Um‰m-t_-kp-ambnen¶v sNø-s∏ńń-s√-¶n¬ C≥Iw SmIvkv

Un∏m¿ vsa‚ v _m¶p-ambn _‘-s∏ v hnh-c-ßƒ ÿnco-I-cn-t°-≠-Xp-≠v.

t]cnse A£-c-ßtfm \ºtcm sX‰mbntcJ-s∏-Sp-ØnbXv aqew C≥Iw SmIvkvUn∏m¿ vsa‚nsebpw _m¶n-sebpw hnh-c-ßƒ XΩn¬ s]mcp-Ø-t°Sv D≠m-Ip-I-bm-sW-¶n¬ hmen-tU-j≥ ]q¿W-am-In-√. sX‰mbn InS-°p∂ hnhcw GXmtWm AXvXncp-Øn-bm¬ amXta hmen-tU-j≥ \S-°p-I-bp-≈q. _m¶v imJ kµ¿in®v SmIvkvUn∏m¿Svsa‚ns‚ sh_vssk-‰n¬ A°u≠v ]o -hm-en-tU‰v sNøm≥ At]£ \¬Ip-Ibpw sNøm-hp-∂-Xm-Wv.

_m¶v A°u≠v ]o -hm-en-tU‰v sNbvXn-s√-¶n¬ SmIvkv do ≠v e`n-°p-∂-X-√. 2019am¿®v H∂v apX¬ Hm¨sse≥ hgn amX-amWv do ≠v sNøp-∂-Xv. C˛do ≠v e`n-°-W-sa-¶n¬ _m¶v A°u≠v SmIvkvA°u-≠p-ambn en¶v sNbvXn-cn-°-Ww. AXp-sIm-≠p-Xs∂ A°u-≠p-Iƒ \n¿_-‘-ambpw _‘n-∏n®ncn-°-Ww.

hntZi C¥y-°m-cmWv Cu hyhÿaqew Ipg-ßp-∂-Xv. BZmb \nIpXn hIp∏vhntZ-i-sØ t^m¨ \º-cp-Iƒ kzoI-cn-°m-dn-√. AXp-sIm-≠p-Xs∂ hntZi C¥y-°m¿\mń-ep≈ _‘p-°-fpsS \º-cm-bn-cn°pwBZmb \nIpXn hIp-∏n¬ \¬Ip-∂-Xv.AtX kabw _m¶n¬ \¬In-bn-cn-°p-∂XvhntZ-isØ \º-cm-bn-cn-°pw. hntZ-iØp\n∂pw _m¶v A°u≠v ssIImcyw sNøp-∂-Xn-\p≈ kuI-cy-Øn\p th≠n-bmWvan°-hcpw Cßs\ sNøp-∂-Xv. CØcwkml-N-cy-ß-fn¬ A°u≠v ]o -hm-en-tU‰vsNøm≥ km[n-°n-√. Cu coXn-bn¬ _m¶n-sebpw BZmb \nIpXn hIp-∏nepw \¬In-bn-cn-°p∂ samss_¬ \º-cp-Iƒ hyXy-kvX-am-sW-¶n¬ do ≠v e`n-°pI Akm-[y-am-Wv.

Cu hyhÿ A\m-h-iyamb Bi-b-Ip-g∏w D≠m-°p∂p F∂ Btcm-]-W-ap-≠v.BZmb \nIpXn \nb-a-ß-fn-se-hn-sSbpw do^≠v kw_-‘n®v CØcw hyh-ÿ-IƒC√. BZmb \nIpXn hIp∏v kuI-cy-Øn\pth≠n sIm≠p-h∂ Hcp hyhÿ amX-amWvCXv. AXv ]e¿°pw Aku-Icyw krjvSn-°p∂ kml-N-cy-Øn¬ BZmb \nIpXnhIp∏v CXp kw_-‘n®v ]p\-cm-tem-N\ \S-Øptam F∂mWv Adn-tb-≠-Xv.


Tax Planning

50 slUvPv Hmlcn HIvtSm-_¿ 201950 slUvPv Hmlcn HIvtSm-_¿ 2019


RNI NO. KERMAL /2011/39839 HEDGE OHARI Registered No. KL/EKM/724/2018-20 Publishing Date : 1-10-2019Total Pages: 52

Printed, published and owned by Alex K.Babu, printed at Sterling Print House (P) Ltd., Ponekkara-Cheranelloor Road, AIMS Ponekkara PO, Cochin-41for Varna Offset Printers (EKM) and published at Hedge Equities, Hedge House, Mamangalam, Kochi, Pin- 682 025. Editor: K. Aravind

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