[kktxh izoklh okgrwdhps forrh; livhdj.k[kktxh izoklh...

147

izdj.kizdj.kizdj.kizdj.k 6666 osososos

[kktxh izoklh okgrwdhps foRrh; Li"Vhdj.k[kktxh izoklh okgrwdhps foRrh; Li"Vhdj.k[kktxh izoklh okgrwdhps foRrh; Li"Vhdj.k[kktxh izoklh okgrwdhps foRrh; Li"Vhdj.k

(FINANCIAL ANALYSIS OF PRIVATE PASSENGER TRANSPORT)

6666----1111---- izLrkoukizLrkoukizLrkoukizLrkouk ¼¼¼¼Introduction½ %½ %½ %½ %

xzkeh.k dksYgkiwj ftYºîkrhy [kktxh izoklh okgrwdhpk vH;kl djr

vlrkuk okgu ekydkP;k foRrh; ckchps Li’Vhdj.k dj.ks vko”;d vkgs-

csdk;ns”khj O;olk; Eg.kwugh okguekydkdMwu@ pkydkadMwu vukf/k—rfjR;k

eglwy xksGk dsyk tkrks- mRiUUkkps izek.k ikgrk v”kk izdkjph jDde

Hkkxo.;ke/;s R;kapk eksBk [kpZ gksr vlrks- Eg.kwup ;k [kktxh izoklh okgrwdhyk

[kjk foG[kk vkgs rks ^,UVªh* pk- izR;sd oMki pkyd@ekyd efgU;kyk 1000 rs

2000 :i;ki;Zar gIrk Hkjrkr- efgU;kyk lqekjs vMhp dksVhpk gIrk xksGk gkrks-

dksYgkiwj ftYºîkrhy vankts 10]000 okgus oMki O;olk; djrkr- rlsp cÚ;kp

osGsyk dk;|koj cksV Bsowu ljdkjh ;a=.ksdMwup eglwy xksGk dsyk tkr vkgs-

;k loZ ckch tk.kwu ?ks.;kpk iz;Ru lnj la”kks/kukP;k ek/;ekrwu dsyk tk.kkj

vkgs-

6666----2222---- okgukalaca/kh %okgukalaca/kh %okgukalaca/kh %okgukalaca/kh %

6666----2222----1111---- okgu uksan.kh o’kZ okgu uksan.kh o’kZ okgu uksan.kh o’kZ okgu uksan.kh o’kZ ¼¼¼¼Registration Year½ %½ %½ %½ %

Okkgukalaca/kh ekfgrh tk.kwu ?ks.;kP;k n`’Vhus [kjsnh dsysY;k okgukps uksan.kh

o’kZ gs rDrk 6-1 gk [kjsnh dsysY;k okgukps uksan.kh o’kZ n”kZorks-

148

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----1111----

okgu uksan.kh o’kZ %okgu uksan.kh o’kZ %okgu uksan.kh o’kZ %okgu uksan.kh o’kZ %

vvvv----uuuu---- Ukksan.kh oUkksan.kh oUkksan.kh oUkksan.kh o""""kZkZkZkZ Okkgu la[;kOkkgu la[;kOkkgu la[;kOkkgu la[;k izek.kizek.kizek.kizek.k (%)

1- 1985 rs 1990 00 00

2- 1990 rs 1995 06 06

3- 1995 rs 2000 28 28

4- 2000 rs 2005 30 30

5- 2005 rs 2010 36 36

,dw.k,dw.k,dw.k,dw.k 100 100

rQkor (Range) 63-63636

mijksDr dks’Vdko:u Li’V gksrs dh]

1- lokZr tkLr uksan.kh gh 2005&10 ;k o’khZ >kyh- dkj.k 2005 uarj

oMki O;olk; eksB~îk izek.kkr lq: >kyk- ;k dkyko/khuarj gh eksB~îk

izek.kkr okgu uksan.kh >kyh vkgs- dkj.k vfydMs eksVj okgu daiU;kauh

^MkÅu isesaV* Hkjk o xkMh [kjsnh djk- gh ;kstuk jkcoyh vkgs- ifj.kkeh

thiP;k uksan.khr >ikV~îkus ok< gksr vkgs-

2- lokZr deh ukasn.kh gh 1990&95 ;k dkGkr >kyh- dkj.k ;k dkGkr

oMki O;olk; Qkjlk izpyhr uOgrk-

3- lokZr tkLr okgu uksan.kh gh 2005 rs 2010 ;ko’khZ >kyh vlwu rh 36

okgukaph >kyh vkgs- lokZr deh okgu uksan.kh gh 1990 rs 1995 ;k

dkGkr >kyh vlwu rh 6 brdh vkgs- R;k nksUghrhy rQkor 63-63636

vkgs-

149

vkvkvkvk————rh rh rh rh ØØØØ---- 6666----1111----

6666----2222----2222---- okgu [kjsnh o’kZ okgu [kjsnh o’kZ okgu [kjsnh o’kZ okgu [kjsnh o’kZ ¼¼¼¼Vehical Purchased Year½ ½ ½ ½ :


okgu [kjsnh o’kZ %okgu [kjsnh o’kZ %okgu [kjsnh o’kZ %okgu [kjsnh o’kZ %

vvvv----uuuu---- [kjsnh o’kZ[kjsnh o’kZ[kjsnh o’kZ[kjsnh o’kZ Okkgu la[;kOkkgu la[;kOkkgu la[;kOkkgu la[;k izek.k izek.k izek.k izek.k (%)

1- 1985 rs 1990- 0 0

2- 1990 rs 1995- 3 3

3- 1995 rs 2000- 15 15

4- 2000 rs 2005- 16 16

5- 2005 rs 2010- 66 66


mijksDr rDR;ko:u vls fun”kZukl ;srs dh]

1- lokZr deh [kjsnh gh 1990&95 ;k dkGkr >kyh vlwu frps izek.k 3

VDds vkgs-

0%

6%

28%

30%

36%

0000

5555

10101010

15151515

20202020

25252525

30303030

35353535

40404040

1985 rs 1985 rs 1985 rs 1985 rs 1990199019901990

1990 rs 1990 rs 1990 rs 1990 rs 1995199519951995

1995 rs 1995 rs 1995 rs 1995 rs 2000200020002000

2000 rs 2000 rs 2000 rs 2000 rs 2005200520052005

2005 rs 2005 rs 2005 rs 2005 rs 2010201020102010

Ukksan.kh Ukksan.kh Ukksan.kh Ukksan.kh >kysY;k >kysY;k >kysY;k >kysY;k

okgukaph VDdsokjhokgukaph VDdsokjhokgukaph VDdsokjhokgukaph VDdsokjh

Ukksan.kh o’kZUkksan.kh o’kZUkksan.kh o’kZUkksan.kh o’kZ

okgu uksan.kh okgu uksan.kh okgu uksan.kh okgu uksan.kh o’kZ

150

2- 1990&95 P;k ekukus ;k o’kkZe/;s okgukaP;k [kjsnhr izpaM ok< >kyh

vlwu rh 66 VDds brdh vkgs- dkj.k fofo/k Qk;ukUl daiU;k okgukaoj

90 VDds dtZ nsrkr- R;kpcjkscj uksdjh ulY;keqGs dtkZpk gIrk tkÅu

FkksMsQkj f”kYyd jkghy ;k vis{ksus okgu [kjsnh dsyh tkrs-

vkvkvkvk————rh rh rh rh ØØØØ---- 6666----2222

,d jdeh dj vkdkjrkuk okgukP;k [kjsnh fcyke/;s (Purchase In Voice)]

okgukph ewG mRiknu [kpZ (Basic Production Cost)] mRiknu “kqYd (Central

Excise) o foØhdj (Sales Tax) ;kapk lekos”k vlyk ikfgts- ;k loZ ?kVdkaph

,d=hr fdaer Eg.ktsp okgukph [kjsnh fdaer (Cost of Vehicle) gks;-

0000%3333%

15151515%

16161616%

66666666%

0000

10101010

20202020

30303030

40404040

50505050

60606060

70707070

1985 rs 1985 rs 1985 rs 1985 rs 1990199019901990----

1990 rs 1990 rs 1990 rs 1990 rs 1995199519951995----

1995 rs 1995 rs 1995 rs 1995 rs 2000200020002000----

2000 rs 2000 rs 2000 rs 2000 rs 2005200520052005----

2005 rs 2005 rs 2005 rs 2005 rs 2010201020102010----

[kjsnh [kjsnh [kjsnh [kjsnh dsysY;k dsysY;k dsysY;k dsysY;k

okgukaph VDdsokjhokgukaph VDdsokjhokgukaph VDdsokjhokgukaph VDdsokjh

[kjsnh o’kZ[kjsnh o’kZ[kjsnh o’kZ[kjsnh o’kZ

okgu [kjsnh okgu [kjsnh okgu [kjsnh okgu [kjsnh o’kZ Z Z Z

151

6666----2222----3333---- okgukph ewG fdaer okgukph ewG fdaer okgukph ewG fdaer okgukph ewG fdaer ¼¼¼¼Original Price of Vehical½ ½ ½ ½ :

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----3333---- okgukph ewG fdaer %okgukph ewG fdaer %okgukph ewG fdaer %okgukph ewG fdaer %

vvvv----uuuu---- ewG fdaer ¼:i;s½ewG fdaer ¼:i;s½ewG fdaer ¼:i;s½ewG fdaer ¼:i;s½ Okkgu la[;kOkkgu la[;kOkkgu la[;kOkkgu la[;k izek.k izek.k izek.k izek.k (%) 1- 50]000 Ik;Zar- 10 10

2- 50]000 rs 1]00]000- 50 50

3- 1]00]000 rs 1]50]000- 14 14

4- 1]50]000 rs 2]00]000- 13 13

5- 2]00]000 rs 2]50]000- 12 12

6- 2]50]000 rs 3]00]000- 00 00

7- 3]00]000 P;k iq<s- 01 01


ojhy rDR;ko:u vls fu’d’kZ dk<rk ;srkr dh]

1- okgukaP;k fdaerhr o’kkZuqo’ksZ ok< gksr vkgs-

2222---- :i;s 50]000&1]00]000 ;k fdaerhr lokZf/kd okgus gksrh-

6666----2222----4444---- okgukph l/;kph fdaer %okgukph l/;kph fdaer %okgukph l/;kph fdaer %okgukph l/;kph fdaer %


okgukph l/;kph fdaerokgukph l/;kph fdaerokgukph l/;kph fdaerokgukph l/;kph fdaer

vvvv----uuuu---- l/;kph fdaer ¼:i;s½l/;kph fdaer ¼:i;s½l/;kph fdaer ¼:i;s½l/;kph fdaer ¼:i;s½ Okkgu la[;kOkkgu la[;kOkkgu la[;kOkkgu la[;k izek.k izek.k izek.k izek.k (%)

1- 50]000 Ik;Zar- 40 40

2- 50]000 rs 1]00]000- 38 38

3- 1]00]000 rs 1]50]000- 18 18

4- 1]50]000 rs 2]00]000- 02 02

5- 2]00]000 rs 2]50]000- 02 02

6- 2]50]000 rs 3]00]000- 00 00

7- 3]00]000 P;k iq<s- 00 00


152

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] 1]00]000 :Ik;kai;Zar

vl.kkjh okgus lokZf/kd vkgsr- R;kuarj 1]00]000&2]00]000 ;k iVhe/;s

okgukaph [kjsnh R;k [kkyks[kky vkgs- dkj.k vfydMs okgukaP;k fdaerh eksB~îk

izek.kkr deh gksr vkgsr- dkj.k cktkjkr izpaM Li/kkZ vlY;keqGs tkLrhr tkLr

xzkgd vkiY;kdMs vks<.;klkBh daiU;k xkM~îkaP;k fdaerh deh djhr vkgsr-

6666----2222----5555---- okgu [kjsnh % ¼tquokgu [kjsnh % ¼tquokgu [kjsnh % ¼tquokgu [kjsnh % ¼tqus@uos½ s@uos½ s@uos½ s@uos½

eqyk[krh njE;ku okguekydkauk okgu tqus dh uos [kjsnh dsys vkgs vls

fopkjys- dkj.k ;ko:u ;k O;olk;kr fdrh okgus uO;kus [kjsnh dsyh vkgsr-

rlsp tqU;k okgukaps izek.k fdrh vkgs gs tk.kwu ?ks.;kpk iz;Ru dj.;kP;k n`’Vhus

R;kauk gk iz”u fopkjyk vlrk R;kauh iq<hyizek.ks mRRkjs fnyh-


okgu [kjsnh izdkj %okgu [kjsnh izdkj %okgu [kjsnh izdkj %okgu [kjsnh izdkj %

vvvv----uuuu---- okgu [kjsnh izdkjokgu [kjsnh izdkjokgu [kjsnh izdkjokgu [kjsnh izdkj Okkgu la[;kOkkgu la[;kOkkgu la[;kOkkgu la[;k izek.k izek.k izek.k izek.k (%)

1- Tkqus okgu- 60 60

2- Ukos okgu- 40 40


ojhy rDR;ko:u vls fun”kZukl ;srs dh] 40 VDds okgu ekydkauh okgu

uohu [kjsnh dsys vkgs- rj 60 VDds okguekydkauh okgu tqus [kjsnh dsys vkgs-

dkj.k ;k O;olk;kr uohu okgu [kjkc jLR;keqGs Qkjls ijoMr ukgh( vls

okguekydkaps Eg.k.ks vkgs-

6666----2222----6666---- okgu la[;k %okgu la[;k %okgu la[;k %okgu la[;k %

[kktxh izoklh okgrwdhpk vH;kl djhr vlrkuk 10 rkyqD;kapk vH;kl

dsyk vkgs- R;ke/;s izR;sd rkyqD;kr l/;k okgu la[;k fdrh vkgs- ;kpk vankt

iz”ukoyhP;k vk/kkjs ?ks.;kr vkyk-

153


rkyqdkfugk; okgu la[;k %rkyqdkfugk; okgu la[;k %rkyqdkfugk; okgu la[;k %rkyqdkfugk; okgu la[;k %

vvvv----uuuu---- rkyqdkrkyqdkrkyqdkrkyqdk oMkiph la[;koMkiph la[;koMkiph la[;koMkiph la[;k izek.k izek.k izek.k izek.k (%)

1- HkqnjxM- 55 6-13

2- dkxy- 105 11-70

3- jk/kkuxjh- 38 04-24

4- gkrd.kaxys- 138 15-38

5- “kkgwokMh- 66 07-36

6- iUgkGk- 52 05-80

7- vktjk- 45 05-01

8- xMfgaXyt- 78 08-69

9- f”kjksG- 40 04-46

10- djohj- 280 31-22


mijksDr rDR;ko:u vls fun”kZukl ;srs dh] oMki okgukaph la[;k lokZr

tkLr dkxy rkyqD;kr gksrh- dkj.k djohj rkyqdk gk vkS|ksfxd] O;kikjh o

“kS{kf.kdn`’V~Ók izxr”khy vkgs- rlsp jk/kkuxjhe/;s oMkiph la[;k deh vkgs-

dkj.k rks nqxZe o vizxr vlk rkyqdk vkgs- rlsp ;k rkyqD;krhy cjhp xkos

ftYºîkP;k fBdk.kh vlY;keqGs [ksMîkrwu fofo/k dkj.kklkBh “kgjkdMs ;s.kkÚ;kaps

izek.k vf/kd vkgs- ;k rkyqD;kr ,e~- vk;- Mh- lh- xksdwG f”kjxko] f”kjksyh ,e~-

vk;- Mh- lh- 1 fo|kihB] 17 egkfo|ky;s] 128 mPp ek/;fed “kkGk] 644

nqX/kfodkl lgdkjh laLFkk] 3 lk[kj dkj[kkus vkgsr-

6666----3333---- mRiUuckchlaca/kh %mRiUuckchlaca/kh %mRiUuckchlaca/kh %mRiUuckchlaca/kh %

Okkguekydkauk iz”ukoyh njE;ku dkgh mRiUuckchfo’k;h iz”u fopkj.;kr

vkys- R;ke/;s R;kaP;kdMwu mRiUuklaca/kh ;ksX; ekfgrh feGo.;klkBh R;kauk iq<hy

iz”u fopkj.;kr vkys-

6666----3333----1111---- izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %

oMkiP;k fnolk gks.kkÚ;k QsÚ;koMkiP;k fnolk gks.kkÚ;k QsÚ;koMkiP;k fnolk gks.kkÚ;k QsÚ;koMkiP;k fnolk gks.kkÚ;k QsÚ;kvvvv----uuuu---- fnolkrhy QsÚ;kfnolkrhy QsÚ;kfnolkrhy QsÚ;kfnolkrhy QsÚ;k1- 1 Qsjh- 2- 2 QaÚ;k- 3- 3 QsÚ;k- 4- 4 QsÚ;k- 5- 5 QsÚ;k- 6- 6 QsÚ;k- 7- 7 QsÚ;k-

,dw.k,dw.k,dw.k,dw.k

0000

5555

10101010

15151515

20202020

25252525

30303030

35353535

6666----13131313%

11111111----71717171%

oMkiph oMkiph oMkiph oMkiph la[;kla[;kla[;kla[;k

rkyqdkfugk; okgu la[;k izek.krkyqdkfugk; okgu la[;k izek.krkyqdkfugk; okgu la[;k izek.krkyqdkfugk; okgu la[;k izek.k

154



R;ke/;s R;kaP;kdMwu mRiUuklaca/kh ;ksX; ekfgrh feGo.;klkBh R;kauk iq<hy

izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %izR;sd fno”kh gks.kkÚ;k ,dw.k QsÚ;k %

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----7777---- oMkiP;k fnolk gks.kkÚ;k QsÚ;koMkiP;k fnolk gks.kkÚ;k QsÚ;koMkiP;k fnolk gks.kkÚ;k QsÚ;koMkiP;k fnolk gks.kkÚ;k QsÚ;k

fnolkrhy QsÚ;kfnolkrhy QsÚ;kfnolkrhy QsÚ;kfnolkrhy QsÚ;k OkkguekydOkkguekydOkkguekydOkkguekyd izek.k izek.k izek.k izek.k 18

39

26

12

2

2

1

100

%

4444----24242424%

15151515----38383838%

7777----36363636% 5555----80808080% 5555----02020202%

8888----70707070%

4444----46464646%

31313131

rkyqdsrkyqdsrkyqdsrkyqds

rkyqdkfugk; okgu la[;k izek.krkyqdkfugk; okgu la[;k izek.krkyqdkfugk; okgu la[;k izek.krkyqdkfugk; okgu la[;k izek.k


R;ke/;s R;kaP;kdMwu mRiUuklaca/kh ;ksX; ekfgrh feGo.;klkBh R;kauk iq<hy

izek.k izek.k izek.k izek.k (%) 18

39

26

12

2

2

1

100

31313131----22222222%

155

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] fnolkrwu 2 osGk QsÚ;k

gks.kkÚ;kaps izek.k vf/kd vlwu rs 39 VDds vkgs- rj 7 osGk QsÚ;k gks.kkjs 1

vkgsr- Eg.ktsp tkLr QsÚ;k dsY;k rj Qsjhrhy varj deh vlrs- rj deh QsÚ;k

Eg.kts varj tkLr fdaok R;k jLR;koj okgukaph la[;k vf/kd vlrs-

6666----3333----2222---- izR;sd Qsjhiklwu feG.kkjs mRiUu %izR;sd Qsjhiklwu feG.kkjs mRiUu %izR;sd Qsjhiklwu feG.kkjs mRiUu %izR;sd Qsjhiklwu feG.kkjs mRiUu %


izR;sd Qsjhiklwu feG.kkjs mRiUu %izR;sd Qsjhiklwu feG.kkjs mRiUu %izR;sd Qsjhiklwu feG.kkjs mRiUu %izR;sd Qsjhiklwu feG.kkjs mRiUu %

vvvv----uuuu---- izR;sd Qsjhrhy izR;sd Qsjhrhy izR;sd Qsjhrhy izR;sd Qsjhrhy

mRiUu ¼:Ik;s½mRiUu ¼:Ik;s½mRiUu ¼:Ik;s½mRiUu ¼:Ik;s½

nSfud ljkljhnSfud ljkljhnSfud ljkljhnSfud ljkljh

¼:Ik;s½ ¼:Ik;s½ ¼:Ik;s½ ¼:Ik;s½

okguekydokguekydokguekydokguekyd izek.k izek.k izek.k izek.k (%)

1- 100 Ik;Zar- 50 30 30

2- 100 rs 200- 150 25 25

3- 200 rs 300- 150 16 16

4- 300 rs 400- 350 25 25

5- 400 rs 500- 450 1 1

6- 500 rs 600- 550 1 1

7- 600 rs 700- 650 2 2

,dw.k,dw.k,dw.k,dw.k 2450 100 100

ojhy rDR;ko:u vls Li’V gksrs dh] izR;sd Qsjhyk 100 :Ik;s mRiUu

feGo.kkjs lokZf/kd okguekyd ;kaps izek.k 30 VDds vlwu 500&600 izek.kkr

mRiUu feG.kkjs 1 VDds vkgsr- dkj.k lokZauk R;kaps nSuafnu [kpZ otk tkrk Qkj

deh jDde f”kYyd vlrs-

156

6666----3333----3333---- izR;sd fno”kh feG.kkjs mRiUu %izR;sd fno”kh feG.kkjs mRiUu %izR;sd fno”kh feG.kkjs mRiUu %izR;sd fno”kh feG.kkjs mRiUu %

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----9999---- izR;sd fno”khps izR;sd fno”khps izR;sd fno”khps izR;sd fno”khps mRiUu %mRiUu %mRiUu %mRiUu %

vvvv----uuuu---- mRiUu ¼:Ik;s½mRiUu ¼:Ik;s½mRiUu ¼:Ik;s½mRiUu ¼:Ik;s½ Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izzek.k izzek.k izzek.k izzek.k (%)

1- 250 Ik;Zar- 28 28

2- 250 rs 500- 42 42

3- 500 rs 750- 09 09

4- 750 rs 1000- 16 16

5- 1000 rs 1250- 01 01

6- 1250 rs 1500- 03 03

7- 1500 rs 1750- 01 01


mijksDr rDR;ko:u vls fun”kZukl ;srs dh] izR;sd fno”kh 250&500

:Ik;s mRiUu feGo.kkjs 42 VDds okguekyd vlwu 1500&1700 :i;s QDr 1

VDds t.k feGorkr- dkj.k ykac varjkoj deh QsÚ;k R;keqGs mRiUugh deh

feGrs-

6666----3333----4444---- oMkiP;k ok<R;k Li/ksZeqGs O;olk;kaoj dkgh ifj.kkoMkiP;k ok<R;k Li/ksZeqGs O;olk;kaoj dkgh ifj.kkoMkiP;k ok<R;k Li/ksZeqGs O;olk;kaoj dkgh ifj.kkoMkiP;k ok<R;k Li/ksZeqGs O;olk;kaoj dkgh ifj.kkeeee >kyk vkgs dk>kyk vkgs dk>kyk vkgs dk>kyk vkgs dk\\\\

gs tk.kwu ?ks.;klkBh R;kauk iz”u fopkjyk vlrk [kkyhyizek.ks mRrjs

ns.;kr vkyh-

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----10101010---- oMki Li/ksZpk ifj.kke %oMki Li/ksZpk ifj.kke %oMki Li/ksZpk ifj.kke %oMki Li/ksZpk ifj.kke %

vvvv----uuuu---- oMki Li/ksZfo"k;h eroMki Li/ksZfo"k;h eroMki Li/ksZfo"k;h eroMki Li/ksZfo"k;h er Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%) 1- gks;- 94 94

2- Ukkgh- 06 06


ojhy rDR;ko:u vls fun”kZukl ;srs dh] 94 VDds okguekydkP;k ers]

ok<R;k Li/ksZeqGs R;kpk ;k O;olk;koj ifj.kke >kyk vkgs- dkj.k iwohZ 3 rs 4

QsÚ;k gksr gksR;k- l/;k ,d Qsjh gksrs dh ukgh ;kph “kadk vlrs-

157

6666----4444---- ekydkpk ,dw.k ekfld [kpZ ekydkpk ,dw.k ekfld [kpZ ekydkpk ,dw.k ekfld [kpZ ekydkpk ,dw.k ekfld [kpZ (Monthly Total Expenditure of Owner):

[kktxh izoklh okgrwd dj.kkÚ;k okgu pkydkauk ekfld [kpZ fo’k;h

fopkj.kk dsyh vlrk R;kauh gk iz”u ekydkauk fopkjk vlk mRrj fnys- R;kps

dkj.k R;kaP;k ers] R;kauk QDRk ixkj ?ks.;k”kh eryc vlrks- fnolHkjkr th

dkgh dekÃ gksÃy R;krhy brj [kpZ otk tkrk ts f”kYyd jkfgy rs ekydkP;k

gkrkr usÅu fnys tkrs- i.k T;k okgukaoj Lor% pkyd gsp ekyd vkgsr v”kkp

yksdkauk gk iz”u fopkjyk vlrk R;kauh rks vf/kd i/nr”khji.ks lkax.;kpk iz;Ru

dsyk-

Okkgu ekydkauh vls lkafxrys dh] R;kauk ba/ku [kjsnh] okgu nq:Lrh]

iksfylkauk n~îkos ykx.kkjs gIrs] izknsf”kd ifjogu vf/kdkÚ;kauk n~îkok ykx.kkjk

gIrk] okgukph ltkoV] Lor% pk fdjdksG [kpZ v”kk i/nrhus R;kauk ekfld [kpZ

djkok ykxrks- ,dk okguekydkyk fnolk ljkljh 1500 :i;s mRiUu feGr

vlsy rj R;ke/;s 1]000 :i;s fnolk fofo/k ckchaoj [kpZ gksÅu 500 :i;s

f”kYyd jkgrkr- v”kkizdkjs ,dk okguekydkpk ljkljh [kpZ 30]000 :i;s

vlrks- R;kaP;k [kpkZpk fopkj dsY;kl cÚ;kp izek.kkr feGdrhis{kk [kpZp vf/kd

djkok ykxrks- R;keqGs dkgh t.kkauk ;k O;olk;kr rksVk >kY;keqGs

vkRegR;slkj[ks ekxZ fLodkjys vkgsr- rj dkght.k O;lukaP;k vkgkjh xsys vkgsr-

;kpk vFkZ gk O;olk; csHkjo”kkpk vkgs] vls EgVY;kl okoxs gks.kkj ukgh- R;kaP;k

[kpkZpk lfoLrj ri”khy iq<hyizek.ks &

6666----4444----1111---- okgu [kpkZpk lokZr eksBk ?kVd %okgu [kpkZpk lokZr eksBk ?kVd %okgu [kpkZpk lokZr eksBk ?kVd %okgu [kpkZpk lokZr eksBk ?kVd %

Okkguekydkauk iz”ukoyhe/;s lokZr tkLr [kpkZpk ?kVd dks.krk\ vlk

iz”u fopkjyk vlrk cÚ;kp okguekydkauh iq<hyizek.ks mRrjs fnyh vkgsr-

158

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----11111111---- okgu [kpkZps ?kVd %okgu [kpkZps ?kVd %okgu [kpkZps ?kVd %okgu [kpkZps ?kVd %

vvvv----uuuu---- Okkgu [kpkZps ?kVdOkkgu [kpkZps ?kVdOkkgu [kpkZps ?kVdOkkgu [kpkZps ?kVd Okkgu ekyd la[;kOkkgu ekyd la[;kOkkgu ekyd la[;kOkkgu ekyd la[;k izzek.k izzek.k izzek.k izzek.k (%) 1- vkj-Vh-vks] iksfyl ,UVªh- 04 3-23

2- baftu fxvj ckWDl- 04 3-23

3- Vk;j- 21 16-94

4- deku ikVs- 01 0-81

5- baftu odZ- 52 41-94

6- fM>sy @ isVªksy- 12 9-68

7- ckWMh- 02 1-61

8- Xkzhl- 01 0-81

9- vkWÃy psat- 02 1-61

10- esaVuUl- 11 8-87

11- CykWd fiLVu- 04 3-23

12- dkgh mRrj ukgh- 10 8-06


Lkjkljh %& (Mean) 10-33

izek.k fopyu %& (S.D.) 13-80

cnykpk xq.kkad (c.v.) & 133-59

fdeku %& (Minimum) 01

deky %& (Maximum) 52

ljkljh %&¼Average½ 10-33

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] lokZr tkLr [kpZ gk baftu

nq:LrhlkBh ;srks- vls R;kaps Eg.k.ks vkgs- dkj.k jLR;kaph ok<rh nqnZ”kk ;kyk

dkj.khHkwr vkgs- okgukph xrh fuekZ.k dj.;kdjrk rlsp okgu Hkkj >si.;kbrir

okgukps baftu iw.kZ dk;Z{ke vl.ks vko”;d vlrs- rlsp baftuph dk;Z{kerk]

czsd] Vk;lZ] LVsvfjax] okgukaps fnos] ok;ij] gkWuZ] vkjls] fu;a=.k {kerk] fOgy

vykbuesaV] rkaf=d nks’k] vkokt v”kk egRoiw.kZ xks’VhdMs okguekydkus y{k ns.ks

xjtsps vlrs- R;keqGs ;k loZ ckchaoj lokZr TkkLr [kpZ dsyk tkrks-

rlsp vkEgh rF;kps fo”ys’k.k dj.;klkBh “ksdMsokjh] ljkljh] fdeku]

deky] izek.k fopyu bR;knh la[;k”kkL=h; ra=kpk (Quantitive Technique) okij

159

dsyk vkgs- R;ke/;s okguekydkyk ;s.kkjk okgu [kpZ gk ljkljhus 10-33 brdk

vkgs- fofo/k ?kVdkoj okgu[kpZ dj.kkjs okguekyd vlwu lokZr tkLr baftu

odZ [kpZ dj.kkjs 52 vkgsr rj lokZr deh dekuikVs o xzhloj [kpZ dj.kkjs

okguekyd 1 vkgsr- R;keqGs R;kaps izek.k fopyu 13-80 brds vlwu R;kaP;k

nksUghe/;s >kysY;k cnykapk xq.kkad Eg.kts ¼c.v.½ & 133-59 brdk vkgs-

6666----4444----2222---- ba/ku [kpZ ba/ku [kpZ ba/ku [kpZ ba/ku [kpZ (Fuel Expenditure) :

izR;sd okguekydkyk efgU;kyk ;s.kkjk ba/ku [kpZ gk cÚ;kp eksB~Ók

izek.kkr vlyk rjh R;kyk Ik;kZ; ukgh- dkj.k ba/kukf”kok; okgu pkyo.ks “kD;

ulrs- rlsp ;k ba/kukP;k fdaerh fnolsafnol izpaM izek.kkr ok<r vkgsr- R;keqGs

okguekydkauk gk O;olk; ijoMr ukgh- 15 uksOgsacj 2011 uqlkj isVªksyph fdaer

“kgjke/;s 74-36 iSls rj “kgjkckgsj 70-36 iSls vkgs- rj fM>syph fdaer

“kgjke/;s 46-25 iSls] “kgjkckgsj 44-25 iSls vkgs-

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----12121212---- ekfld ba/ku [kpZ %ekfld ba/ku [kpZ %ekfld ba/ku [kpZ %ekfld ba/ku [kpZ %

vvvv----uuuu---- Ekkfld ba/ku [kpZ ¼:Ik;s½Ekkfld ba/ku [kpZ ¼:Ik;s½Ekkfld ba/ku [kpZ ¼:Ik;s½Ekkfld ba/ku [kpZ ¼:Ik;s½ Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%)

1- 3000 Ik;Zar- 10 10

2- 3000 rs 6000- 34 34

3- 6000 rs 9000- 19 19

4- 9000 rs 12]000- 17 17

5- 12]000 rs 15]000- 05 05

6- 15]000 rs 18]000- 02 02

7- 18]000 rs 21]000- 02 02

8- 21]000 rs 24]000- 05 05

9- 24000 rs 27]000- 00 00

10- 27]000 rs 30]000- 03 3

11- 30]000 is{kk vf/kd- 03 03


160

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] izR;sd fno”kh 100 rs 200

:i;s Ik;Zar fM>sy ykx.kkjs okguekyd 34 vkgsr- rj R;kauk efgU;kyk 3000 rs

6000 :Ik;s ,o<k fM>sy [kpZ ;srks- dkj.k R;kaP;k okgukP;k Qsjhps varj deh

vkgs- ;kmyV fnolkyk 1000 :Ik;sP;k iq<s fM>sy [kpZ dj.kkjs Eg.ktsp

efgU;kyk 30]000 :Ik;s ;kaps izek.k 3 VDds vkgs- dkj.k R;kaP;k izoklkps varj

vf/kd vkgs-

6666----4444----3333---- okgu nq:Lrh %okgu nq:Lrh %okgu nq:Lrh %okgu nq:Lrh %

vki.k pkyfor vlysys okgu pkyo.;kP;kn`’Vhus fo”oklkgZ vkf.k l{ke

vkgs] ;kph izFke [kk=h d:u ?ks.ks gh vkiyh tckcnkjh Bjrs- dkj.k vkiY;k

okguke/khy nks’k gs Lor% yk vkf.k jLR;kojhy brjkauk /kksD;ke/;s ?kkyw “kdrkr-

usgeh l{kei.ks okgu mi;ksxkr jkfgys ikfgts] ;kdjhrk okgukP;k fu;fer

ns[kHkkyhdMs Eg.kts okgu nq:LrhdMs osGhp y{k fnys xsys tkrs- R;k okgu

nq:Lrhoj efgU;kyk fdrh [kpZ dsyk tkrks rs iq<hyizek.ks %

161

rDRkk ØrDRkk ØrDRkk ØrDRkk Ø---- 6666----13131313----

Okkgu nq:LrhOkkgu nq:LrhOkkgu nq:LrhOkkgu nq:LrhP;k ekfld [kpkZuqlkj ekyd P;k ekfld [kpkZuqlkj ekyd P;k ekfld [kpkZuqlkj ekyd P;k ekfld [kpkZuqlkj ekyd oxhZdj.k %oxhZdj.k %oxhZdj.k %oxhZdj.k %

vvvv----uuuu---- Okkgu [kpZ ¼:Ik;s½Okkgu [kpZ ¼:Ik;s½Okkgu [kpZ ¼:Ik;s½Okkgu [kpZ ¼:Ik;s½ ,dw.k [kpZ,dw.k [kpZ,dw.k [kpZ,dw.k [kpZ Okkgu Okkgu Okkgu Okkgu

ekyd ekyd ekyd ekyd

la[;k la[;k la[;k la[;k

Lkjkljh Lkjkljh Lkjkljh Lkjkljh

(Average)

deky deky deky deky

(Maximum)

fdeku fdeku fdeku fdeku

(Minimum)

izek.k fopyu izek.k fopyu izek.k fopyu izek.k fopyu

(S.D.)

1- 100 Ik;Zar- 2]070- 33 62-72 100 10 32-01784

2- 100 rs 200 3]275 17 192-62 200 150 17-14986

3- 200 rs 300 1]750 06 291-67 300 250 20-41241

4- 300 rs 400 400 01 400 400 400 000

5- 400 rs 500 1]000 02 500 500 500 000

6- 500 rs 600 00 00 000 000 000 000

7- 600 rs 700 650 01 650 650 650 000

8- 700 rs 800- 00 00 000 000 000 000

9- 800 rs 900- 800 01 800 800 800 000

10 - 900 rs 1000 12]000 12 1000 1-000 1000 000

11- 1000rs 1500 4]100 03 1366-67 1500 1200 152-7525

12- 1500rs 2000- 22]000 11 2000 2000 2000 000

13- 2000rs 2500- 6]700 03 2233-33 2500 2000 251-6611

14- 2500rs 3000- 6]000 02 30]000 3000 3000 000

15- 3000rs 3500- 000 00 000 0000 000 000

16- 3500rs 4000- 000 00 000 0000 000 000

17- 4000rs 4500- 000 00 000 0000 000 000

18- 4500rs 5000- 40]000 08 5]000 5000 5000 000

,dw.k,dw.k,dw.k,dw.k 1]00]745 100 1]007-45 5000 10 1408-049

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] efgU;kyk 100 :Ik;s i;Zar

[kpZ ;s.kkjs 33 ekyd vkgsr- 900 rs 1000 i;Zar [kpZ ;s.kkjs 12 okgu ekyd

vlwu 4500 rs 5000 [kpZ ;s.kkjs 8 okgu ekyd vkgsr- dkj.k okgu tj tqus

vlsy rj rs okjaokj nq:Lrhyk ;srs- ;kmyV uohu okgukph Qkj”kh nq:Lrh

djkoh ykxr ukgh-

okgu nq:LrhP;k ekfld [kpkZP;k rF;kps fo”ys’k.k dj.;klkBh ljkljh]

deky] fdeku] izek.k fopyu ;k la[;k”kkL=h; ra=kpk okij dsyk vkgs- Eg.ktsp

162

ts okguekyd okgunq:LrhlkBh th jDde Hkjrkr rh lokZr tkLr 2500 vlwu

dehr deh 2000 vkgs- R;krhy rQkor 251-6611 vlwu lokZr deh 17-14986

vkgs-

6666----4444----5555---- vuf/kÑr izos”k dj & ,UVªh vuf/kÑr izos”k dj & ,UVªh vuf/kÑr izos”k dj & ,UVªh vuf/kÑr izos”k dj & ,UVªh ¼¼¼¼Entry½ %½ %½ %½ %

l/;k [kktxh izoklh okgrwdhyk [kjk foG[kk vkgs] rks csdk;ns”khj

,UVªhpk- izR;sd okgu pkyd vFkok okgu ekyd ;k fo’k;koj vxnh iksVfrMdhus

cksyr vlrks- dkj.k izR;sd osGh izR;sd efgU;kyk iksfylkauk R;kaP;k ,UVªhph

Bjkfod jDde gh Hkjkoh ykxrp vlrs- izR;sdkyk Hkjkoh ykx.kkjh ,UVªh gh

osxosxGh vlrs- rh 200] 500] 1000] 1500 bR;knh P;k iVhr vlrs- gh ,UVªh

olwy dj.;klkBh R;k R;k iksfyl Bk.;kps gokynkj “kD;rks 10 rkj[ksP;k vkr

,UVªh olwy dj.;klkBh ;srkr- R;klkBh iksfyl Bk.;kps e/;orhZ fBdk.k fuoMys

tkrs- R;kuarj tj ,[kkn~Ókus fnysY;k rkj[ksyk ,UVªh Hkjyh ukgh rj ijr dsOgk

rjh ;sÅu R;kaP;kdMwu olwyh dsyh tkrs- ijarq ,UVªh Hkjysyh ikorh ek= fnyh

tkr ukgh- izR;sd okgu ekydkyk Hkjkoh ykx.kkjh ,UVªhph jDde osxosxGh

vlrs- dkj.k R;k okgu/kkjdkP;k izoklkP;k VII;kr tso<h iksfyl Bk.kh vlrhy

R;k fBdk.kh osxosxGîk izek.kkr ,UVªh Hkjkoh ykxrs- mnk- eqnkGfrV~Vk& fuik.kh

;k ekxkZoj vl.kkÚ;k okguekydkyk xkjxksVh] eqjxwM o fyaxuwj ;k fBdk.kh

,UVªh Hkjkoh ykxrs- 2011 P;k vkdMsokjhuqlkj R;kauk xkjxksVh 150 :Ik;s] eqjxwM

500 :Ik;s] fyaxuwj 200 :i;s v”kk izek.kkr ,UVªh Hkjkoh ykxrs-

ftYºîkrhy izR;sd iksyhl Bk.;kps Bjkfod deZpkjh jLR;koj Fkkacysys

vlrkr- fo”ks’kr% “kgjkrhy vkf.k yxrP;k iksyhl Bk.;kP;k deZpkÚ;kaph vf/kd

ng”kr vlrs- BjysY;k rkj[ksyk gIrk feGkyk ukgh rj okgukaoj FksV dkjokÃp

gksrs- R;keqGs brj dks.krhgh vkfFkZd dkes Fkkacyh rjh pkyrhy i.k gIrk Fkkacowu

pkyr ukgh- v”kh okgu/kkjdkaph ifjfLFkrh vkgs- miyC/k ekfgrhuqlkj tks oMki

pkyd ftrD;k iksyhl Bk.;kaP;k gn~nhrwu izokl djrks rso<~îk izek.kkar R;kyk

T;knk gIrs n~îkos ykxrkr- ,dk iksyhl Bk.;kpk gIrk lk/kkj.ki.ks 300 rs 500

:i;s vkgs- iksyhl Bk.;kP;k gn~nhr jLrk fdrh fd-eh- vkgs ;kojgh gIR;kaps nj

163

Bjysys vkgsr- izknsf”kd ifjogu dk;kZy;kpk gIrk osxGkp vlrks- vkj- Vh- vks

lkBh gIR;kapk ,dp nj vlY;kps cgqrsdkauh lkafxrys- R;kauk ljldV 500

:i;s n~îkos ykxrkr- v”kkizdkjps gIrs xksGk dj.;klkBh iaVj useys vkgsr-

vusd fBdk.kh oMki dj.kkÚ;kiSdhp ,[kknk iaVjps dke djrks- ftYºîkr oMki

O;olk; dj.kkjh lqekjs 10]000 okgus vkgsr- R;kiSdh dsoG 334 ijokuk/kkjd

vkgsr- R;kauk 9$1 pk ijokuk feGkyk vkgs- brD;k izok”kkaph okgrwd dsyh rj

R;kauk ijoMr ukgh-


ekfld ,UVªhuqlkj ekyd oxhZdj.k %ekfld ,UVªhuqlkj ekyd oxhZdj.k %ekfld ,UVªhuqlkj ekyd oxhZdj.k %ekfld ,UVªhuqlkj ekyd oxhZdj.k %

vvvv----

uuuu----

jDdejDdejDdejDde

¼:Ik;s½¼:Ik;s½¼:Ik;s½¼:Ik;s½

,dw.k ,UVªh ,dw.k ,UVªh ,dw.k ,UVªh ,dw.k ,UVªh

jDdejDdejDdejDde

Okkgu Okkgu Okkgu Okkgu

ekyd ekyd ekyd ekyd

la[;kla[;kla[;kla[;k

LkjkljhLkjkljhLkjkljhLkjkljh

(Average)

dekydekydekydeky

(Maximum)

fdekufdekufdekufdeku

(Minimum)

izek.k fopyuizek.k fopyuizek.k fopyuizek.k fopyu

(S.D.)

1- 100 Ik;Zar 915 11 83-18182 100 20 31-32672

2- 100 rs 200 1450 08 181-25 200 50 53-03301

3- 200 rs 300 1150 04 287-5 300 250 25

4- 300 rs 400 800 02 400 400 400 00

5- 400 rs 500 4500 09 500 500 500 00

6- 500 rs 1000 8]600 09 955-56 1000 600 133-3333

7- 1000rs 1500 4]100 03 1366-67 1500 1200 152-7525

8- 1500rs 2000 10]000 05 2000 2000 2000 0

9- 2000rs 2500 2]500 01 2500 2500 2500 00

10- 2500rs 3000 27]000 09 3000 3000 3000 00

11- 3000rs 3500 3]500 01 3500 3500 3500 00

12 3500rs 4000 8]000 02 4000 4000 4000 00

13- 4000rs 4500 4]500 01 4500 4500 4500 00

14- 4500rs 5000 15]000 03 5000 5000 5000 00

15- 5000is{kk vf/kd 38]000 05 7600 9000 6000 3141-641

,dw.k,dw.k,dw.k,dw.k 1]30]015 100 1300130013001300-15 9000 20 2135213521352135-906

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] 100 :Ik;kai;Zr efgU;kyk

,UVªh Hkj.kkjs 11 okgu ekyd vkgsr- rlsp 5000 :Ik;kais{kk vf/kd ,UVªh Hkj.kkjs

164

5 okguekyd vlwu dkghgh mRrjs u ns.kkjs 27 okguekyd vkgsr- dkj.k R;kauk

,UVªhcn~ny cksy.;kl fHkrh okVrs- R;kaP;k ers] gh ekfgrh iksfyl fdaok vkj- Vh-

vks- uk dGoY;kl vkiY;koj dkjokÃ gksÃy ;k fHkrhiksVh R;kauh dkghgh mRrjs

fnyh ukghr-

rF;kps fo”ys’k.k vf/kd pkaxY;k i/nrhus dj.;klkBh la[;k”kkL=h;

i/nrhpk okij dsyk vkgs- R;ke/;s okguekydkyk ,UVªh Eg.kwu ljkljh 1300-15

brdk ekfld [kpZ gksrks- 1000 rs 1500 i;Zar ekfld ,UVªhP;k gIR;kph jDde

1500 gh lokZr tkLr o lokZr deh 1200 vkgs- R;ke/;s R;kaps izek.k fopyu

s.D. 152-7525 vkgs- rj 100 :i;si;Zar ,UVªh Hkj.kkjs 11 okguekyd vlwu rs

tkLrhr tkLr 100 :i;s o dehr deh 20 :i;s ,UVªh Hkjrkr- R;kps izek.k

fopyu 31-32672 vkgs- rj R;k nksUgh jDdekrhypk s.D. 2135-906 vkgs- ;kpk

vFkZ ts okguekyd T;k jDdek Hkjrkr R;ke/;s eksB~îk izek.kkr rQkor vkgs-

dkj.k Hkj.kkÚ;k jDdese/;s ftrdk Qjd tkLr frrdk s.D. xq.kkad tkLr vlrks-

R;keqGs rks 2135-906 brdk vkgs-

6666----4444----6666---- naM naM naM naM ¼¼¼¼Penelty½ %½ %½ %½ %

izR;sd efgU;kyk ,l~- Vh- egkeaMG vkf.k iksfyl ;kaP;korhus voS/k izoklh

okgrwd dj.kkÚ;k okgu ekydkaoj dkjokÃ dsyh tkrs- csdk;ns”khj izoklh okgrwd

dj.kkÚ;k okgupkydkadMwu 34]16]000 :Ik;kapk naM olwy dj.;kr vkyk-

izknsf”kd ifjogu foHkkxkP;k [kkl iFkdkus 31 vkWDVksacj 2004 i;Zar gh dkjokÃ

dsyh gksrh- izknsf”kd ifjogu vf/kdkÚ;ka”kh ppkZ dsyh vlrk vls vk<Gwu vkys

dh] naM dj.;kph fofo/k dkj.ks vlrkr- R;ke/;s okguekyd] pkyd

vk<GY;kl R;kyk naM dsyk tkrks- naM dj.;kph jDde gh osxosxGh vlrs-

izR;sdkus fdrh xqUgs dsys vkgsr R;koj naM voyacwu vlrks-

izknsf”kd ifjogu vf/kdkjh dk;kZy; vkf.k ,l~- Vh- P;k iFkdkdMwu

gks.kkjk ikBykx pqdfo.ks vR;ar egRRokps vlrs- vls oMkipkydkaps er vkgs-

R;kauh dkjokÃ dsY;kl naM ge[kkl gksrks- eksVkj okgu vf/kfu;e 1988 P;k

dye 66 ¼1½ 192 uqlkj csdk;nk izoklh okgrwd vkf.k dye 46 ¼192½ uqlkj

165

okgrwd ijokU;kpk Hkax dsY;kps 2 xqUgs dsys tkrkr- R;kauk izR;sdh 1000 :i;s

naM vkgs- ;k iFkdkauk pqdo.;kpk vkVksdkV iz;Ru gksrks- ifj.kkeh ikBykx lq:

gksrks- R;keqGs Fkkac.;kpk b”kkjk dsY;kuarj iGwu xsY;kpk] Hkj/kko xsY;kus osx

e;kZnsps mYYka?ku dsY;kpk vkf.k jLR;kojhy brjkaP;k thohrkl /kksdk mRiUu

dsY;kpk vls 3 xqUgsgh nk[ky gksrkr- v”kkrp pkydkadMs okgu pkyo.;kpk

ijokuk ulY;kl gks.kkjk xqUgk osxGkp vlrks- v”kkizdkjs ,dnk dkjokÃ >kysY;k

okgukyk fdeku 3 rs 5 gtkj :i;s naM Hkjkokp ykxrks- ,[kkn~îk efgU;kr ,dk

okgukaoj okjaokj dkjokÃ >kY;kl R;kyk iqUgk jLR;koj ;sÅu O;olk;

dj.;klkBhP;k ba/kukyk dtZp dk<kos ykxrs- vls vusd oMki ekydkauh

lkafxrys-


ekfld naMkuqlkj ekyd oxhZdj.k %ekfld naMkuqlkj ekyd oxhZdj.k %ekfld naMkuqlkj ekyd oxhZdj.k %ekfld naMkuqlkj ekyd oxhZdj.k %

mijksDr rDR;kuqlkj vls fun”kZukl ;srs dh] 500 :Ik;si;Zar ekfld naM

Hkj.kkÚ;k okgdkaps izek.k 4 VDds vlwu 5000 is{kk vf/kd naM Hkj.kkjs 10 VDds

vvvv----uuuu---- Ekkfld naM jDde Ekkfld naM jDde Ekkfld naM jDde Ekkfld naM jDde

¼:Ik;s½¼:Ik;s½¼:Ik;s½¼:Ik;s½

,dw.k jDde,dw.k jDde,dw.k jDde,dw.k jDde okgu ekyd la[;k okgu ekyd la[;k okgu ekyd la[;k okgu ekyd la[;k izek.kizek.kizek.kizek.k

(%)

1- 500 Ik;Zar- 2470 4 4

2- 500 rs 1000- 2000 3 3

3- 1000 rs 1500 4200 7 7

4- 1500 rs 2000 8000 13 13

5- 2000 rs 2500 4200 07 7

6- 2500 rs 3000 3000 05 5

7- 3000 rs 3500 000 00 0

8- 3500 rs 4000 000 00 0

9- 4000 rs 4500 000 01 1

10- 4500 rs 5000 30]000 50 50

11- 5000 is{kk vf/kd 6]000 10 10

,dw.k,dw.k,dw.k,dw.k 59]870 100 100

166

ekyd vkgsr- dkj.k R;kauh vf/kd izek.kkr okgrwdhP;k fu;ekaps mYya?ku dsysys

vkgs R;keqGs R;kauk tkLr naM Hkjkok ykxrks-

6666----4444----7777---- c¡d dtZ c¡d dtZ c¡d dtZ c¡d dtZ ¼¼¼¼Bank loan½ %½ %½ %½ %

Ikz”ukoyhP;k vk/kkjs izR;sd okgu ekydkyk c¡dsps dtZ ?ksrys vkgs dk\

vlk iz”u fopkj.;kr vkyk- dkj.k ;k [kktxh izoklh okgrwdhe/;s e/;eoxhZ;

r:.kp vf/kd vkgsr- vYif”kf{kr] lqf”kf{kr csjkstxkj rs vxnh inoh/kj >kysY;k

r:.kkauh jkstxkjkps lk/ku Eg.kwu ;ke/;s >si ?ksryh-

ojhy vYiHkw/kkjd vlrkuk rqViqaT;k “ksrhyk rkj.k Bsowu dtZ dk<wu

okgus [kjsnh dsyh vkgsr- xzkeh.k Hkkxkrhy r:.koxZp ;ke/;s eksB~îk izek.kkr

mrjyk vkgs- R;keqGs R;kauh dtZ ?ksrys vkgs vls Eg.k.kkjs 88 VDds okguekyd

vkgsr- rj 12 VDds okguekydkP;k ers] dtZ ?ksrys ukgh- Eg.ktsp dtZ

?ks.kkÚ;kaph la[;k vf/kd vkgs- dkj.k ;k O;olk;ke/;s loZlkekU; dqVwackrhy

r:.k vf/kd vkgsr- vls fnlwu ;srs-

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----16161616---- okguekydkaP;k dtkZps L=ksr %okguekydkaP;k dtkZps L=ksr %okguekydkaP;k dtkZps L=ksr %okguekydkaP;k dtkZps L=ksr %

vvvv----uuuu---- dtkZps L=ksrdtkZps L=ksrdtkZps L=ksrdtkZps L=ksr Okkguekyd la[;kOkkguekyd la[;kOkkguekyd la[;kOkkguekyd la[;k izek.k izek.k izek.k izek.k (%) 1- vk;- lh- vk;- c¡d- 2 2-27

2- c¡d vkWQ bafM;k- 4 4-55

3- LVsV c¡d vkWQ bafM;k- 2 2-27

4- c¡d vkWQ egkjk’Vª- 3 3-41

5- ;quk;VsM dks& vkWi- c¡d- 4 4-55

6- ftYgk e/;orhZ lg- c¡d- 10 11-36

7- irlaLFkk- 38 43-18

8- Lkkodkj- 2 2-27

9- brj- 23 26-14

,dw.k,dw.k,dw.k,dw.k---- 88 100

mijksDr rDR;ko:u vls fnlwu ;srs dh] irlaLFksdMwu dtZ ?ks.kkÚ;kaps

izek.k vf/kd vlwu rs 43-18 VDds vkgs- dkj.k irlaLFkkapk O;kt nj vf/kd

vlyk rjh vksG[khus iVdu dtZ xkoikrGhoj eatwj d:u ?ks.;kl ;k r:.kkapk

vf/kd dy vkgs- ;kmyV brj c¡dkadMwu¼

dtZ ?ks.kkÚ;kaps izek.k deh fnlwu ;srs

Hkjiwj dkxni=kaph iwrZrk djkoh ykxrs

yksd irlaLFkk] lkodkj] fe= ;kaP;kdMwu dtZ miyC/k d:u ?ksÅu okgu [kjsnh

djrkr-

Okkguekydkauk c¡dspk gIrk osGsr Hkj.ks “kD; gksrs dk

vlrk osGsr Hkj.ks “kD; gksrs vls Eg.k.kkÚ;kaps izek.k dsoG

61 VDds okguekydkaP;k ers] gIrk osGsr Hkj.ks “kD; ulrs

xjtk Hkkxowu rlsp naM] vkj

bR;knh eqGs c¡dkaps gIrs osGsoj tkr ukghr

izlaxh xkM~îk vks<wu usrkr vls oMki ekydkaps Eg.k.ks vkgs

6666----4444----8888---- c¡d gIrk %c¡d gIrk %c¡d gIrk %c¡d gIrk %

Okkguekydkauk c¡dsdMwu dtZ ?ksÅu xkM~îk [kjsnh djkO;k ykxrk

okgukaP;k fdaerhe/;s l/;k eksB~îk izek.kkr ok< gksr vkgs

[kpkZe/;s c¡d gIR;koj dkgh jDde [kpZ djkoh ykxrs

167

;kmyV brj c¡dkadMwu¼ICICI, BOI, SBI, BOM, UCB, DCC etc.

dtZ ?ks.kkÚ;kaps izek.k deh fnlwu ;srs- dkj.k ;k okguekydkaP;k ers] c¡dkauk

Hkjiwj dkxni=kaph iwrZrk djkoh ykxrs- rlsp dtZ osGsr feGr ukgh


Okkguekydkauk c¡dspk gIrk osGsr Hkj.ks “kD; gksrs dk\ vlk iz”u fopkjyk

vlrk osGsr Hkj.ks “kD; gksrs vls Eg.k.kkÚ;kaps izek.k dsoG 27

VDds okguekydkaP;k ers] gIrk osGsr Hkj.ks “kD; ulrs

xjtk Hkkxowu rlsp naM] vkj- Vh- vks- gIrs] i;kZoj.k dj] eksVj okgu dj

bR;knh eqGs c¡dkaps gIrs osGsoj tkr ukghr- R;keqGs c¡dkaps vf/kdkjh nkjkr ;srkr

izlaxh xkM~îk vks<wu usrkr vls oMki ekydkaps Eg.k.ks vkgs-


Okkguekydkauk c¡dsdMwu dtZ ?ksÅu xkM~îk [kjsnh djkO;k ykxrk

okgukaP;k fdaerhe/;s l/;k eksB~îk izek.kkr ok< gksr vkgs- R;keqGs R;kauk ,dw.k

[kpkZe/;s c¡d gIR;koj dkgh jDde [kpZ djkoh ykxrs-

BOM, UCB, DCC etc.½

dkj.k ;k okguekydkaP;k ers] c¡dkauk

rlsp dtZ osGsr feGr ukgh- R;keqGs


vlk iz”u fopkjyk

27 VDds vkgs- brj

VDds okguekydkaP;k ers] gIrk osGsr Hkj.ks “kD; ulrs- dkj.k dkSVwafcd

gIrs] i;kZoj.k dj] eksVj okgu dj

R;keqGs c¡dkaps vf/kdkjh nkjkr ;srkr-

Okkguekydkauk c¡dsdMwu dtZ ?ksÅu xkM~îk [kjsnh djkO;k ykxrkr- dkj.k

R;keqGs R;kauk ,dw.k

168

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----17171717---- c¡d gIrk] ijrQsM] f'kYyd jDde c¡d gIrk] ijrQsM] f'kYyd jDde c¡d gIrk] ijrQsM] f'kYyd jDde c¡d gIrk] ijrQsM] f'kYyd jDde %%%%

c¡dkc¡dkc¡dkc¡dk ,dw.k jDde,dw.k jDde,dw.k jDde,dw.k jDde izek.k izek.k izek.k izek.k % ljkljhljkljhljkljhljkljh dekydekydekydeky fdekufdekufdekufdeku izek.k fopyuizek.k fopyuizek.k fopyuizek.k fopyu

ICICI Bank 300000 2-77 150000 200000 100000 70710-68

BOI 711000 6-56 142200 200000 50000 55490-54

SBI 250000 2-3 125000 150000 100000 35355-34

KDCC 530000 4-89 17666-7 350000 50000 155349-10

BOM 605000 5-58 151250 320000 35000 121954-6

UCB 1710000 15-77 171000 500000 40000 148731-7

Patsantha 2898000 26-72 102578-9 320000 50000 66216-53

Savkar 30000 0-28 15000 20000 10000 7071-068

Other 3812000 35-15 165739-1 400000 7000 119082-9

c¡dkc¡dkc¡dkc¡dk ijr QsM jDdeijr QsM jDdeijr QsM jDdeijr QsM jDde izek.kizek.kizek.kizek.k ljkljhljkljhljkljhljkljh dekydekydekydeky fdekufdekufdekufdeku izek.k fopyuizek.k fopyuizek.k fopyuizek.k fopyu

ICICI Bank 180000 3-04 180000 180000 180000 0

BOI 240000 4-05 4800 80000 30000 21389-25

SBI 100000 1-69 50000 50000 50000 0

KDCC 200000 3-38 66666-67 100000 10000 49328-83

BOM 285000 4-81 71250 150000 5000 66128-03

UCB 1230000 20-76 123000 350000 20000 116528-5

Patsantha 1870006 31-56 49210-68 320000 0 72176-21

Savkar 20000 0-34 10000 10000 10000 0

Other 1800000 30-38 78260-87 250000 0 64691-68

c¡dkc¡dkc¡dkc¡dk gIrk jDdegIrk jDdegIrk jDdegIrk jDde izek.kizek.kizek.kizek.k % ljkljhljkljhljkljhljkljh dekydekydekydeky fdekufdekufdekufdeku izek.k fopyuizek.k fopyuizek.k fopyuizek.k fopyu

ICICI Bank 5000 1-51 2500 3000 2000 707-1068

BOI 19000 5-73 3800 5000 3000 758-2875

SBI 8200 2-47 4100 4700 3500 848-5281

KDCC 11500 3-47 3833-333 8000 1500 3617-089

BOM 18500 5-58 4625 8000 2000 2495-83

UCB 37500 11-31 3750 7000 2000 1427-702

Patsantha 124400 37-52 3273-684 9000 1000 1977-807

Savkar 4700 1-42 2350 3500 1200 1626-346

Other 102800 31-00 4469-565 8000 1000 2232-056

c¡dkc¡dkc¡dkc¡dk f'kYyd jDdef'kYyd jDdef'kYyd jDdef'kYyd jDde izek.kizek.kizek.kizek.k % ljkljhljkljhljkljhljkljh dekydekydekydeky fdekufdekufdekufdeku izek.k fopyuizek.k fopyuizek.k fopyuizek.k fopyu

ICICI Bank 95000 1-58 47500 75000 20000 38890-87

BOI 471000 7-83 94200 120000 20000 42079-69

SBI 150000 2-49 75000 100000 50000 35355-34

KDCC 420000 6-98 140000 250000 40000 105356-5

BOM 275000 4-57 68750 125000 30000 40901-3

UCB 480000 7-98 48000 200000 0 55737-48

Patsantha 1890000 31-41 49736-84 150000 0 37512-92

Savkar 10000 0-17 5000 10000 0 7071-068

Other 2227000 37-01 96826-09 350000 5000 94792-13

fVi & ¼brj & nsuk c¡d] dYykIik..kk vkokMs turk c¡d] vktjk vcZu bR;knh½ fVi & ¼brj & nsuk c¡d] dYykIik..kk vkokMs turk c¡d] vktjk vcZu bR;knh½ fVi & ¼brj & nsuk c¡d] dYykIik..kk vkokMs turk c¡d] vktjk vcZu bR;knh½ fVi & ¼brj & nsuk c¡d] dYykIik..kk vkokMs turk c¡d] vktjk vcZu bR;knh½

169

mijksDr rDR;ko#u vls funZ”kZukl ;srs dh] okgu ekydkauh lokZr tkLr

dtZ irlaLFkkdMwu ?ksrys vlwu R;kps izek.k 26-72 VDds vkgs- dkj.k c¡dkdMwu

dtZ eatwj gks.;kl cjkp foyac gksr vlrks- ijrQsMgh ekyd osGsoj djrkr-

lokZr tkLr gIrk jDde irlaLFksph vlwu frps izek.k 37-72 VDds vkgs-

f'kYyd jDde lokZr tkLr irlaLFksph rj lokZr deh lkodkjkaph vkgs-

6666----4444----9999---- gIrk osGsr u Hkj.;kph dkj.ks %gIrk osGsr u Hkj.;kph dkj.ks %gIrk osGsr u Hkj.;kph dkj.ks %gIrk osGsr u Hkj.;kph dkj.ks %


gIrk osGsr u Hkj.;kph dkj.ks %gIrk osGsr u Hkj.;kph dkj.ks %gIrk osGsr u Hkj.;kph dkj.ks %gIrk osGsr u Hkj.;kph dkj.ks %

vvvv----uuuu---- c¡d gIrk osGsr u Hkj.;kph dkj.ksc¡d gIrk osGsr u Hkj.;kph dkj.ksc¡d gIrk osGsr u Hkj.;kph dkj.ksc¡d gIrk osGsr u Hkj.;kph dkj.ks Ekkyd Ekkyd Ekkyd Ekkyd


izek.k izek.k izek.k izek.k (%)

1- /kank O;ofLFkr gksr ukgh- 10 04-80

2- xkMhpk esaVuUl vf/kd vlrks- 40 19-24-

3- vkj- Vh- vks-] iksfyl gIrs] naM bR;knh 13 06-25

4- Li/kkZ ok<yh] ifj.kkeh QsÚ;k deh- 25 12-02

5- Okk<rk ?kj[kpZ- 12 05-76

6- Okk<rh egkxkÃ- 19 09-14

7- Okkgukapk [kpZ vf/kd- 14 06-74

8- vkj- Vh- vks- njjkst jLR;koj vkgs- 22 10-57

9- O;olk;kr iqjsiwj feGdr gksr ukgh- 18 08-66

10- O;olk;kph vfuf”prrk- 02 00-96

11- ba/ku njok<- 31 14-90

12- eqykaps f”k{k.k] mRiknu deh- 02 00-96


mijksDr rDR;ko:u vls fun”kZukl ;srs dh] xkMhpk esaVuUl [kpZ

ok<Y;keqGs dtZgIrk Hkj.ks dBh.k gksrs- vls Eg.k.kkÚ;kaps izek.k 19-24 VDds vkgs-

rj ba/ku njok<hpk QVdk 14-90 VDds okgu/kkjdkauk clrks- Eg.ktsp okgu

170

ekydkauh c¡d gIrk Hkj.ks vo?kM vkgs ;kph fofo/k dkj.ks lkafxryh vkgsr-

6666----4444----10101010---- dkexkj osru dkexkj osru dkexkj osru dkexkj osru ¼¼¼¼Wages of Labour½½½½ :

[kktxh izoklh okgrwdhpk vH;kl djhr vlrkuk okguekydkauk

dkexkjkaP;k Eg.ktsp okgu pkydkaP;k ixkjkfo’k;h dkgh iz”u iz”ukoyhP;k

vk/kkjs fopkj.;kr vkys- R;ke/;s okgupkydkP;k use.kwdhfo’k;h tk.kwu ?ksrys

vlrk R;kauh [kkyhyizek.ks mRrjs fnyh-

6666----4444----10101010----1111---- okgupkyd okgupkyd okgupkyd okgupkyd use.kwduse.kwduse.kwduse.kwd ¼¼¼¼Appointment of Driver½½½½ %

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----19191919---- okgupkyd use.kwd %okgupkyd use.kwd %okgupkyd use.kwd %okgupkyd use.kwd %

vvvv----uuuu---- ixkjkps Lo:iixkjkps Lo:iixkjkps Lo:iixkjkps Lo:i Okkgu ekyd la[;kOkkgu ekyd la[;kOkkgu ekyd la[;kOkkgu ekyd la[;k izek.k izek.k izek.k izek.k (%) 1- vksG[k 86 86

2- Tkkfgjkr nsÅu ------- -------

3- brjkaP;k f”kQkjlho:u

14 14


mijksDr rDR;ko:u vls fun”kZukl ;srs dh] toGtoG 86 VDds

okguekyd gs vksG[kho:u okgupkydkph use.kwd djrkr- rj 14 VDds

okguekyd gs brjkaP;k f”kQkjlho:u okgupkydkaph use.kwd djrkr- dkj.k rks

okgupkyd gk yqckM.kwd dj.kkjk] nkaM~îk ekj.kkjk ukgh uk\ ;kph pkSd”kh d:u

vksG[k vl.kkÚ;kp okgupkydkph use.kwd dsyh tkrs-

6666----4444----10101010----2222---- osru ns.;kpk dkyko/kh %osru ns.;kpk dkyko/kh %osru ns.;kpk dkyko/kh %osru ns.;kpk dkyko/kh %

Okkguekyd gs Lor %P;k okgukaoj pkyd Eg.kwu use.kwd djrkr- rsOgk

R;kauk Bjkfod jDde osru Eg.kwu fnyh tkrs- dkgh osGk fnolkyk] vkBoM~îkyk

fdaok efgU;kyk osru fnys tkrs- dkgh pkyd gs ekydkadMwu vkxkow jDde

?ksrkr- R;keqGs okgupkydkauk fnysyh jDde QsMwu ?ksrY;kf”kok; iq<pk ixkj

fnyk tkr ukgh- v”kh i/nr ;k O;olk;kr vkgs-

171

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----20202020---- osru ns.;kpk dkyko/kh %osru ns.;kpk dkyko/kh %osru ns.;kpk dkyko/kh %osru ns.;kpk dkyko/kh %

vvvv----uuuu---- ixkjkps Lo:iixkjkps Lo:iixkjkps Lo:iixkjkps Lo:i Okkgu ekyd la[;kOkkgu ekyd la[;kOkkgu ekyd la[;kOkkgu ekyd la[;k izek.k izek.k izek.k izek.k (%) 1- njjkst 20 20

2- nj vkBoMk 05 05

3- efguk 75 75


mijksDr rDR;ko:u vls fun”kZukl ;srs dh] pkydkapk ixkj gk

efgU;kyk dj.kkjs 75 VDds ekyd vkgsr- rj fnolkyk ixkj dj.kkjs 20 VDds

okguekyd vkgsr- ;kpk vFkZ T;k okguekydkapk ixkj efgU;kyk gksrks- R;kaph

vkfFkZd ifjLFkrh cÚ;kiSdh vkgs- ;k myV ixkj fnolkayk T;kauk fnyk tkrks rs

okgupkyd xjhc dqVwackrhy vkgsr-

okguekydkauk efgU;kyk feG.kkÚ;k mRiUukrwu dkexkjkauk ixkj gk |kok

ykxrks- gk ixkj Bjor vlrkuk R;kapk vuqHkokpk fopkj dsyk tkrks- rlsp

R;kauh ekxhy osGh fdrh ixkj ?ksryk- rlsp R;kus nqlÚ;kaph xkMh dk lksMyh\

R;k loZ iz”ukapk Ågkiksg dsY;kuarj R;kuk okguekyd Lor% P;k xkMhoj pkyd

Eg.kwu Bsowu ?ksrkr- rs efgU;kyk dkexkjkauk fdrh [kpZ djrkr- gs iq<hy

rDR;ko:u y{kkr ;sÃy-

6666----4444----11111111---- ekfld dkexkj osru [kpZ %ekfld dkexkj osru [kpZ %ekfld dkexkj osru [kpZ %ekfld dkexkj osru [kpZ %

rDrkrDrkrDrkrDrk---- ØØØØ---- 6666----21212121---- ekfld dkexkj osru [kpZ %ekfld dkexkj osru [kpZ %ekfld dkexkj osru [kpZ %ekfld dkexkj osru [kpZ %

vvvv----uuuu---- dkexkj osru ¼:dkexkj osru ¼:dkexkj osru ¼:dkexkj osru ¼:Ik;s½Ik;s½Ik;s½Ik;s½ Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%) 1- 1000 Ik;Zar- 1 3-03

2- 1000 rs 1500- 4 12-12

3- 1500 rs 2000- 0 0-00

4- 2000 rs 2500- 6 18-18

5- 2500 rs 3000- 21 63-64

6- 3000 rs 3500- 0 0-00

7- 3500 rs 4000- 1 3-03


172

ojhy rDR;ko:u vls fun”kZukl ;srs dh] efgU;kyk dkexkjkauk

2500&3000 :Ik;s ixkj 63-64 VDds ekyd vkgsr- rj 3500&4000 :Ik;s

ixkj ns.kkjs 3-03 VDds ekyd vkgsr- ;kpk vFkZ vtwugh dkexkjkauk Eg.kts

okgu pkydkauk R;kaP;k dqVwackP;k xjtk iw.kZ gksrhy ,o<s mRiUu fdaok ixkj

fnyk tkr ukgh- vls okgu pkydkaps Eg.k.ks vkgs-

6666----4444----12121212---- okgukph varxZr ltkoV %okgukph varxZr ltkoV %okgukph varxZr ltkoV %okgukph varxZr ltkoV %

xkMhP;k ewG jpuse/;s tjklq/nk cny u djrk laiw.kZ xkMh lto.;klkBh

okguekydkaph p<kvks< vlrs- xkMh [kjsnh dsyh dh] rh lto.;klkBh vxnh

[kkl esgur ?ksryh tkrs- xkMhlkscr dkgh vWfDllsjht feGrkr i.k R;klkBh

tknk fdaer ekstkoh ykxrs- R;ke/;s izkeq[;kus lhV dOgj] eWfVax] LVsvfjax dOgj]

ij¶;we] eafnj] luxkWxy fQYe] ckWMh dOgj] ÝaaaV xkMZ] yxst dWfjvj] Oghy dWi]

gkWuZ] fjOglZ gkWuZ] vkjls] E;wf>d flLVhe] QWUlh ykÃV] lsaVj ykWdhax] ikWoj

foaMks] Mksvj ok;ij] lkÃV xzkfQDl] LikW;yj] lkÃV eksYMhax bR;knh izdkjs

okgukph varxZr ltkoV dsyh tkrs- R;klkBh okguekydkauk efgU;kP;k

mRiUukrwu dkgh jDde cktwyk dk<wu Bsokoh ykxrs-

dkj.k okguekydkP;k ers] xkMh lqO;ofLFkr] uhVusVdh vlsy rj izoklh

lek/kkukus clrks- dkgh izoklh xkMh tjk vO;ofLFkr okVyh rj nqlÚ;k oMkiph

okV ikgr jkgrkr- R;keqGs xkMh ltkoV dj.ks vko”;d vlrs-


okgu ltkoV dj.kkÚ;k okguekydkps izek.k %okgu ltkoV dj.kkÚ;k okguekydkps izek.k %okgu ltkoV dj.kkÚ;k okguekydkps izek.k %okgu ltkoV dj.kkÚ;k okguekydkps izek.k %

vvvv----uuuu---- Okkgu ltkoV dsys tkrs dkOkkgu ltkoV dsys tkrs dkOkkgu ltkoV dsys tkrs dkOkkgu ltkoV dsys tkrs dk\\\\ izek.k izek.k izek.k izek.k (%)

1- gks; 76

2- ukgh 24

,dw.k,dw.k,dw.k,dw.k 100

Okkgu ltkoV dsyh tkrs Eg.k.kkÚ;kaps izek.k lokZf/kd Eg.ktsp 76 VDds

vkgs rlsp 24 VDds okguekydkP;k ers] okgu ltkoV dj.ks “kD; gksr ukgh-

173

dkj.k ok<rh egkxkÃ] ba/ku ok< ;k loZ dkj.kakeqGs okgu ltkoV dj.ks “kD;

ulrs-

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----23232323---- okgu okgu okgu okgu ltkoVhojhy [kpZ %ltkoVhojhy [kpZ %ltkoVhojhy [kpZ %ltkoVhojhy [kpZ %

vvvv----uuuu---- jDde ¼:i;s½jDde ¼:i;s½jDde ¼:i;s½jDde ¼:i;s½ Okkgu ekydOkkgu ekydOkkgu ekydOkkgu ekyd izek.k izek.k izek.k izek.k (%)

1- 100 Ik;Zar- 39 51-32

2- 100 rs 200- 23 30-26

3- 200 rs 300- 02 2-63

4- 300 rs 400- 02 2-63

5- 400 rs 500- 10 13-16

6- 500 is{kk vf/kd- 00 0-00


mijksDr rDR;ko:u vls fun”kZukl ;srs dh] efgU;kyk okgu ltkoVhoj

100 :Ik;s i;Zar [kpZ dj.kkjs 51-32 VDds okguekyd vkgsr rj 400 rs 500

:Ik;s [kpZ dj.kkjs 13-16 VDds okguekyd vkgsr- ;kpk vFkZ 76 okguekyd

okgu ltkoVhoj deh izek.kkr dk vlsuk [kpZ djr vlrkr-

6666----4444----13131313---- foek ¼foek ¼foek ¼foek ¼Insurance½½½½ %

eksVj okgu dk;|karxZr eksVj okgu vi?kkr uqdlku rjrwnhdfjrk eksVj

okgu foek xjt rjrwn dk;+|kus ca/kudkjd Bjfoyh vkgs- eksVj okgukyk foek

laj{k.k ?ksrY;kf”kok; lkoZtfud fBdk.kh okgu okij djrk ;sr ukgh- v”kk

fu;ekuqlkj izR;sd okgukyk foek laj{k.k dj.ks xjtsps >kys o toGtoG loZ

okgus vkrk ^vWDV vksUyh bUlwjUl* (Act only Insurance) gksÅ ykxyh vkgsr- ts

yksd vkiY;k okgukapk fjrlj foek laj{k.k ?ksr ukghr] R;kauk dk;ns”khj laj{k.k

feGr ukgh- f”kok; v”kh okgus tIr dj.;kpk vf/kdkj eksVj okgu dk;+|kus

iz”kklukyk fnyk vkgs- nqpkdh okgu] pkj pkdh okgu] def”kZ;y OgsÃdy v”kh

eksVjokgu foek i/nrh vkgsr- Lor% ekyd ;k ukR;kus okijyh tk.kkjh [kktxh

okgus ;k d{ksr ;srkr-

174

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----24242424---- foek jDdesojhy [kpZ %foek jDdesojhy [kpZ %foek jDdesojhy [kpZ %foek jDdesojhy [kpZ %

vvvv----uuuu---- foek jDde ¼:Ik;s½foek jDde ¼:Ik;s½foek jDde ¼:Ik;s½foek jDde ¼:Ik;s½ okguekydokguekydokguekydokguekyd izek.k izek.k izek.k izek.k (%)

1- 500 Ik;Zar- 16 25-00

2- 500 rs 1000 04 06-25

3- 1000 rs 1500- 09 14-06

4- 1500 rs 2000- 00 0-00

5- 2000 rs 2500- 00 0-00

6- 2500 rs 3000- 08 12-50

7- 3000 rs 3500- 03 04-69

8- 3500 rs 4000- 03 04-69

9- 4000 rs 4500- 02 03-13

10- 4500 rs 5000- 03 04-69

11- 5000 is{kk vf/kd- 16 25-00


ljkljh (Mean) % 5-82

izek.k fopyu (S.D.) : 5-49

cnykpk xq.kkad (C.V.) : 94-34

deky (Maximum) : 16

fdeku (Minimum) : 0

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] 500 :Ik;s Ik;Zar foek Hkj.kkjs

25 VDds okguekyd vkgsr rj 5000 is{kk tkLr foek Hkj.kkjs 25 VDds

okguekyd vkgsr- foek jDdesoj [kpZ dj.kkjs lokZr tkLr 16 okguekyd

vlwu lokZr deh gIrk Hkj.kkjs 2 okguekyd vkgsr-rlsp 500 :i;s foek

jDde Hkj.kkjs 16 okguekyd vlwu lokZr deh 4000 rs 4500 :i;s i;Zar

foek jDde Hkj.kkjs 2 okguekyd vkgsr- R;kaP;krhy izek.k fopyu 5-49 vkgs-

175

dkj.k T;k foek jDde HkjY;k tkrkr R;krhy rQkor deh vkgs- rj R;krhy

cnykapk xq.kkad 94-34 brdk vkgs- izR;sd okgukyk /kksdk fdrhizek.kkr vlw

“kdrks ;kph ,d e;kZnk fopkjkr ?ksrysyh vlrs vkf.k /kksD;kps izek.k y{kkr

?ksÅu foek gIrk vkdkj.kh dsyh tkrs- tj /kksdk deh vlsy rj R;kapk foek

gIrk vkdkj.kh ns[khy deh izek.kkr dsyh tkrs- R;keqGs izR;sd okguekydkP;k

foE;ke/;s deh vf/kd izek.kkr Qjd fnlwu ;srks- rlsp T;k dkj.kkadfjrk

okgukpk okij gks.kkj vkgs R;kpk ns[khy fopkj dsyk tkrks- mnk- izk;OgsV]

def”kZ;y] D;wcWd diWflVh] xzksl OgsÃdy osV] okijkps fBdk.k] iWlsatj dWfjax

diWflVh] okgukps o; bR;knh xks’Vh fopkjkr ?ksrY;k tkrkr- rlsp [kkyhy

izek.kkr foek gIrk vkdkjyk tkrks-

1- 6 efgUksis{kk deh vlysl & Nil

2- 6 efgusiklwu 1 o’kkZi;Zar & 5 VDds

3- 1 o’kkZiklwu 2 o’kkZi;Zar & 10 VDds-

4- 2 o’kkZiklwu 3 o’kkZi;Zar & 15 VDds




8- 10 o’kkZis{kk tkLr vlY;kl & 50 VDds-

v”kk izek.kkr okgukps o; fopkjkr ?ksÅu foek gIrk Bjoyk tkrks-

R;keqGs izR;sd okgu ekydkyk osxosxGk foek gIrk Hkjkok ykxrks-

6666----4444----14141414---- okgu djokgu djokgu djokgu dj ¼¼¼¼Motor Vehical Tax½ %½ %½ %½ %

dks.kR;kgh izdkjph xkMh [kjsnh dsY;kuarj izR;sd okguekydkyk ^eksVj

OgÃdy VWDl*] (Motor Vehicle Tax), izoklh dj (Passenger Tax) vkf.k i;kZoj.k

dj (Environment Tax) Hkj.ks eksVj okgu dk;nk] 1988 uqlkj ca/kudkjd Bjrs-

ijarq i;kZoj.k dj 2008 iklwu ykxw dj.;kr vkyk vkgs- R;keqGs ;k [kktxh

izoklh okgrwdnkjkaukgh VWDl Hkjkok ykxrks- izR;sd okgukacjkscj VWDl cqd

vl.ks vko”;d vkgs-

176

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----25252525---- okguekydkauokguekydkauokguekydkauokguekydkauk Hkjkok ykx.kkjk okf"kZd VWDl k Hkjkok ykx.kkjk okf"kZd VWDl k Hkjkok ykx.kkjk okf"kZd VWDl k Hkjkok ykx.kkjk okf"kZd VWDl

vvvv----uuuu---- jDde ¼:i;s½jDde ¼:i;s½jDde ¼:i;s½jDde ¼:i;s½ Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%)

1- 500 is{kk deh 12 12

2- 500 rs 1000 15 15

3- 1000 rs 1500 34 34

4- 1500 rs 2000 22 22

5- 2000 rs 2500 03 03

6- 2500 rs 3000 04 04

7- 3000 P;k iq<s 10 10


Okjhy dks’Vdko:u vls fun”kZukl ;srs dh] 1000 rs 1500 :Ik;s Ik;Zar

VWDl Hkj.kkÚ;kaps izek.k 34 VDds vlwu 2000 rs 2500 i;Zar VWDl Hkj.kkjs 3

VDds okguekyd vkgsr- VWDl jDdese/;s Qjd fnlwu ;srks dkj.k tsOgk uohu

xkMh [kjsnh dsyh tkrs rsOgk xkMhoj tso<k VWDl vlrks R;kP;k 10 VDds VWDl

gk o’kkZyk ?ksryk tkrks- pkjpkdh okgukaP;kdMwu 8 o’kkZuarj Ik;kZoj.k dj

vkdkjyk tkrks- rj eksVj okgu dj izR;sd o’khZ ?ksryk tkrks-

6666----4444----15151515---- Lor% pk fdjdksG [kpZ % Lor% pk fdjdksG [kpZ % Lor% pk fdjdksG [kpZ % Lor% pk fdjdksG [kpZ %

Okkgu ekydkauk ba/ku[kpZ okgu nq:Lrh] okgu foek] c¡d gIrk okgrwd

dj bR;knh [kpkZcjkscjp Lor%lkBh dkgh [kpZ djkok ykxrks- mnk- pgkik.kh]

rack[kw] is;s] tso.k bR;knh ;klkBh tks fdjdksG [kpZ djkok ykxrks- R;kpk

lekos”k brj [kpkZe/;s gksrks- O;luh ekydkpk [kpZ tkLr rj fuO;Zluh

ekydkpk [kpZ deh vlrks- rks fnolk 30 rs 50 :Ik;s ,o<k vlrks-

177

rDrkrDrkrDrkrDrk---- ØØØØ---- 6666----26262626---- okgu ekydkapk fdjdksG [kpZ okgu ekydkapk fdjdksG [kpZ okgu ekydkapk fdjdksG [kpZ okgu ekydkapk fdjdksG [kpZ

vvvv----uuuu---- fdjdksG [kpZ ¼:Ik;s½fdjdksG [kpZ ¼:Ik;s½fdjdksG [kpZ ¼:Ik;s½fdjdksG [kpZ ¼:Ik;s½ Okkguekyd la[;kOkkguekyd la[;kOkkguekyd la[;kOkkguekyd la[;k izek.k izek.k izek.k izek.k (%)

1- 50 Ik;Zar- 57 72-15

2- 50 rs 100- 14 17-72

3- 100 rs 150- 00 00-00

4- 150 rs 200- 1 01-27

5- 200 rs 250- 1 01-27

6- 250 rs 300- 3 03-80

7- 300 rs 350- 00 00-00

8- 350 rs 450- 03 03-80


mijksDr dks’Vdko:u vls fun”kZukl ;srs dh] tkLrhr tkLr 50 :Ik;s

[kpZ dj.kkÚ;kaps izek.k 72-15 VDds vlwu 350 rs 450 :Ik;s [kpZ dj.kkjs 3-80

VDds ekyd vkgsr- ;kps dkj.k R;kaP;k ers] Lor%oj [kpZ dj.;kph ifjfLFkrh

jkfgyh ukgh- isVªksyps nj fnolsafnol ok<r vlY;keqGs ;k O;olk;kr Qkjlk

Qk;nk jkghyk ukgh- R;keqGs dkVdljhus O;olk; dsyk rjp Qk;nk gksrks-

6666----4444----16161616---- cpr izo`Rrhfo"k;h ¼cpr izo`Rrhfo"k;h ¼cpr izo`Rrhfo"k;h ¼cpr izo`Rrhfo"k;h ¼Saving Tendency½ %½ %½ %½ %

oMkiekydkP;k ,dw.k mRiUukpk vkf.k [kpkZpk fopkj djrk vls okVrs

dh] R;kaP;kdMwu cpr gks.ks “kD;p ukgh- dkj.k dks.kR;kgh “kkldh; vFkok

[kktxh laLFkse/;s lDrhus cpr d:u ?ksryh tkrs- mnk- izkWOghMaV QaM- ijarq ;k

okguekydkauk R;kaP;k mRiUu o [kpkZpk rkGesG ?kkyrk ukdhuÅ ;srkr- ;k

okguekydkaP;k cprhfo’k;h tk.kwu ?ksrys vlrk iq<hy ekfgrh feGkyh-

178

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----27272727---- oMki ekyd cpr izek.k oMki ekyd cpr izek.k oMki ekyd cpr izek.k oMki ekyd cpr izek.k

vvvv----uuuu---- Okkguekyd cpr djrkr dkOkkguekyd cpr djrkr dkOkkguekyd cpr djrkr dkOkkguekyd cpr djrkr dk\\\\ Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%)

1- gks; 91 91

2- Ukkgh 09 09


Okjhy dks’Vdko:u vls fun”kZukl ;srs dh] 91 VDds okguekyd cpr

djrkr rj 9 VDds okguekydkauh udkjkRed mRrjs fnyh vkgsr- R;kaP;k ers]

,dw.k mRiUu vkf.k ,dw.k [kpZ ;krwu cprhdMs ikgrklq/nk ;sr ukgh- rj dkgh

okguekydkaP;k lkax.;ko:u ,d= dqVwac i/nr vlY;keqGs rs vkiY;k mRiUukpk

loZ Hkkx dqVwac izeq[kkdMs nsr vlrkr- ifj.kkeh O;fDr”k% R;kauk cprhph xjt

okVr ukgh-

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----28282828---- cprhps Lo:i cprhps Lo:i cprhps Lo:i cprhps Lo:i

vvvv----uuuu---- Ckprhps Lo:iCkprhps Lo:iCkprhps Lo:iCkprhps Lo:i Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%)

1- fu;feri.ks- 50 54-95

2- izlaxkkuq:i- 41 45-05


mijksDr rDR;ko:u vls fun”kZukl ;srs dh] fu;feri.ks cpr dj.kkÚ;kps

izek.k 54-95 VDds vkgs- rj izlaxkuq:i ¼,dne iSls vkY;koj½ cpr dj.kkÚ;kps

izek.k 45-05 VDds vkgs- ;kpk vFkZ tsOgk ,[kk|k fno”kh Qk;nk vf/kd gksÃy

rsOgk izkeq[;kus cpr dsyh tkrs-

179


cpr dj.;kph dkj.ks cpr dj.;kph dkj.ks cpr dj.;kph dkj.ks cpr dj.;kph dkj.ks

vvvv----uuuu---- Ckpr dj.;kph dkj.ksCkpr dj.;kph dkj.ksCkpr dj.;kph dkj.ksCkpr dj.;kph dkj.ks Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%)

1- o`/nkidkGkph rjrwn Eg.kwu- 15 9-15

2- eqykaP;k f”k{k.kklkBh- 53 32-32

3- eqykaP;k fookgklkBh- 09 5-49

4- Tkfeu] cSy bR;knh “ksrhlkBh LFkkoj

ekyeRrk [kjsnh dj.;klkBh-

02 1-22

5- m|ksxkph ok< o lq/kkj.kk ;klkBh- 20 12-20

6- ?kj cka/k.kh o brj ekyeRrk ;kaP;k

rjrwnhlkBh-

08 4-88

7- fVdkow miHkksX; oLrw [kjsnh dj.;klkBh- 06 3-66

8- dtZQsMhlkBh rjrwn Eg.kwu- 46 28-05

9- Tkknk mRiUu feGo.;klkBh 05 3-05


ojhy dks’Vdko:u vls y{kkr ;srs dh] eqykaP;k f”k{k.kklkBh Eg.kwu cpr

dj.kkÚ;kaps izek.k lokZf/kd Eg.ktsp 32-32 VDds vkgs- rj xkMh [kjsnhlkBh

c¡dsdMwu ?ksrysY;k dtkZph ijrQsM dj.;klkBh Eg.kwu 28-05 VDds okguekyd

cpr djrkr- tj brj fofo/k dkj.kklkBh cpr dsyh tkrs- oMkiekydkaP;k ers]

iwohZis{kk l/;k cpr dj.;kps izek.k ok<ysys vkgs- dkj.k ok<rh egkxkÃ] eqykaph

yXu] lksU;kps xxukyk fHkMysys nj ;k lokZalkBh rjrwn Eg.kwu l/;k cpr dsyh

tkrs-

dkgh okguekydkaP;k ers] l/;k iksVkyk fpeVk nsÅu eqykaP;k

f”k{k.kklkBh cpr djrks dkj.k vkEgh f”kdyks ukgh] ifjfLFkrh uOgrh i.k

eqykaP;kojrh rh osG ;sÅ u;s vls okVrs-

180

rDrk ØrDrk ØrDrk ØrDrk Ø---- 6666----30303030---- cpr dj.;kps ekxZ cpr dj.;kps ekxZ cpr dj.;kps ekxZ cpr dj.;kps ekxZ

vvvv----uuuu---- Ckprhps ekxZCkprhps ekxZCkprhps ekxZCkprhps ekxZ Ekkyd la[;kEkkyd la[;kEkkyd la[;kEkkyd la[;k izek.k izek.k izek.k izek.k (%)

1- c¡d 16 17-58

2- fiXeh 10 10-99

3- fHk”kh 11 12-08

4- irlaLFkk 45 49-46

5- iks’V vkWQhl 08 08-80

6- Ckpr xV 01 01-09


mijksDr dks’Vdko:u vls fun”kZukl ;srs dh] okgupkydkais{kk

okguekydkaps cpr dj.;kps izek.k vf/kd vkgs- R;ke/;s irlaLFkke/;s cpr

dj.;kps izek.k lokZf/kd vlwu rs 49-46 VDds vkgs- rj c¡dse/;s cpr dj.kkjs

17-58 VDds okguekyd vkgsr- ;kpk vFkZ okguekydkauk irlaLFkke/;s cpr

dj.ks lks;hLdj okVrs-


ekfld cprhph jDde ekfld cprhph jDde ekfld cprhph jDde ekfld cprhph jDde

vvvv----uuuu---- jDde ¼:i;s½jDde ¼:i;s½jDde ¼:i;s½jDde ¼:i;s½ ljkljh jDdeljkljh jDdeljkljh jDdeljkljh jDde

¼:i;s½¼:i;s½¼:i;s½¼:i;s½

Okkguekyd Okkguekyd Okkguekyd Okkguekyd


izek.k izek.k izek.k izek.k (%)

1- 500 rs 1000 750 13 14-28

2- 1000 rs 1500 1]250 46 50-56

3- 1500 rs 2000 1]750 06 06-59

4- 2000 rs 2500 2]250 14 15-39

5- 2500 rs 3000 2]750 05 05-49

6- 3000 P;k iq<s 3]250 07 07-69

,dw.k,dw.k,dw.k,dw.k 12]000 91 100

181

mijksDr rDR;ko:u vls fun”kZukl ;srs dh] 1000 rs 1500 :Ik;s Ik;Zar cpr

dj.kkjs okguekyd lokZf/kd vlwu rs 50-56 VDds vkgsr] rj 2500 rs 3000

:Ik;sIk;Zar cpr dj.kkjs lokZr deh vlwu R;kaps izek.k 05-49 VDds vkgs- dkj.k

R;kaps mRiUu deh vkgs-

xzkeh.k dksYgkiwj ftYºîkrhy [kktxh izoklh okgrwdhpk vH;kl djr

vlrkuk ,d okguekyd o ,d okgupkyd ;kaps O;’Vh v/;;u (Case Study)

dsys vkgs- rs iq<hy izek.ks %

O;"Vh v/;;u & O;"Vh v/;;u & O;"Vh v/;;u & O;"Vh v/;;u & 1111

Okkguekydkps uko %Okkguekydkps uko %Okkguekydkps uko %Okkguekydkps uko % Jh- dsjck fnudj exnwe-

iRRkk %iRRkk %iRRkk %iRRkk % eq- iks- bLiwyhZ] rk- djohj ] ft- dksYgkiwj-

o; %o; %o; %o; % 38 o’ksZ-

f'k{k.k f'k{k.k f'k{k.k f'k{k.k %%%% 12 oh-

mRiUukps lk/ku %mRiUukps lk/ku %mRiUukps lk/ku %mRiUukps lk/ku % “ksrh vkf.k oMki O;olk;-

okf"kZd mRiUu %okf"kZd mRiUu %okf"kZd mRiUu %okf"kZd mRiUu % 2 yk[k-

okgu [kjsnh o"kZ %okgu [kjsnh o"kZ %okgu [kjsnh o"kZ %okgu [kjsnh o"kZ % 2005-

okgu [kjsnh fdaer %okgu [kjsnh fdaer %okgu [kjsnh fdaer %okgu [kjsnh fdaer % 3 yk[k-

okgrwdhpk ekxZ %okgrwdhpk ekxZ %okgrwdhpk ekxZ %okgrwdhpk ekxZ % dksYgkiwj & xkjxksVh-

oMki O;olk;krwu feG.kkÚ;k mRiUuklaca/khoMki O;olk;krwu feG.kkÚ;k mRiUuklaca/khoMki O;olk;krwu feG.kkÚ;k mRiUuklaca/khoMki O;olk;krwu feG.kkÚ;k mRiUuklaca/kh

iz”ukoyh Hk:u ?ksr vlrkuk iz”ukoyh O;frfjDr ;k O;olk;klaca/kh dkgh

iz”u fopkj.;kr vkys- R;ke/;s R;kauh vls lkafxrys dh] oMki okgrwdhlkBh Lor%

ph 3 oMki okgus vkgsr- R;kaP;k ers] tsOgk rs ;k O;olk;kr vkys rsOgk R;kauh

ftYgk e/;orhZ lgdkjh c¡d] dksYgkiwj ;kaP;kdMwu dtZ ?ksÅu 2005 e/;s 1

oMki okgu [kjsnh dsys- R;kuarj efgU;kyk 3 gtkj :i;kapk gIrk ykoyk- “ksrh

2 ,dj vlY;keqGs FkksMsQkj “ksrhrwu mRiUu feGr gksrs R;koj lalkj pkyr

gksrk- xkMhps dtZ fQVsi;Zar jk=afnol gk O;olk; pkyw Bsoyk- R;kuarj

O;olk;kr FkksMk te clY;kuarj vk.k[kh 2 xkM~îk [kjsnh dsY;k-

182

R;kaP;k ers] rs njjkst igkVs 4-00 oktrk jsYos LVs”kutoG oMki okgu

usÅu ykorkr- ldkGh izoklh jsYos] ,l~- Vh- e/kwu ;s.kkjs osxosxGîk xkoh tk.kkjs

vlrkr- v”kk osGh frUghgh oMki okgus fofo/k ekxkZoj izoklh ?ksÅu tkrkr-

R;keqGs ldkGh 11-00 oktsi;Zar nksu QsÚ;k tjh >kY;k rjh 2]500 rs 3]000

:i;si;Zar Qk;nk gksrks-

;k okgukaoj pkyd Eg.kwu vksG[khP;k fe=kaph fu;qDrh dsyh vkgs- R;kauk

vkBoM~îkyk 500 :i;s ixkj fnyk tkrks- ba/ku [kpZ] okgu nq:Lrh] brj [kpZ

tkÅu efguk 30]000 rs 40]000 mRiUu feGorks-

v”kk i/nrhus fuO;Zluh o izkekf.kd jkgwu gk O;olk; dsyk rj Hkjiwj

Qk;nk gksrks- v”kh izfrfØ;k R;kauh O;Dr dsyh-

O;"Vh v/;;u & O;"Vh v/;;u & O;"Vh v/;;u & O;"Vh v/;;u & 2222

Okkgupkydkps uko %Okkgupkydkps uko %Okkgupkydkps uko %Okkgupkydkps uko % Jh- eglwc ckckyky vRrkj-

iRrk %iRrk %iRrk %iRrk % eq- iks- daqHkkst] rk- gkrd.kaxys] ft- dksYgkiwj-

o; %o; %o; %o; % 28 o’ksZ-

f'k{k.k %f'k{k.k %f'k{k.k %f'k{k.k % ch- dkWe-

okf"kZd mRiUu %okf"kZd mRiUu %okf"kZd mRiUu %okf"kZd mRiUu % 50 gtkj-

mRiUukps lk/ku %mRiUukps lk/ku %mRiUukps lk/ku %mRiUukps lk/ku % oMki O;olk;-

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183

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184

HYPOTHESIS TESTING

A. Passengers:

Hypothesis 1:

Frequency of Vadap is more than that off ST

H0: There is no significant difference in the opinions of the passengers that

frequency of vadap and ST is same. (i.e. Ho: P1=P2)

H1: Proportion of passengers agreed that frequency of vadap is more than ST (i.e.

P1>P2)

In order to test the null hypothesis, the suitable test is Z-test for difference of

proportions and it has been used for that purpose.

Sample 1: n = 300, proportion = 0.38


Test statistic: z = (0.38 - 0.39) / 0.0397303 = -0.251697

Two-tailed p-value = 0.8013 (one-tailed = 0.4006)

Here the Z critical value at 5% level of significance is 1.96. Since the absolute

value of Z is less than critical value, the null hypothesis has been accepted,

Thus it is inferred that there is no significant difference in the opinions of the

passengers that frequency of vadap and ST is same.

izok”kkaP;k erkuqlkj] oMki vkf.k ,l~- Vh- ;kaph ljkljh la[;k

lkj[kh vkgs-

185

Hypothesis 2 :

There is significant difference in destination reaching time between Vadap and

ST

H0: There is no significant difference in the opinion of the passengers that

destination reaching time between Vadap and ST.

H1: Proportion of passengers agreed that destination reaching time by of vadap is

greater than ST (i.e. P1>P2)

In this case, the correct statistical test to test the null hypothesis is Z-test for

difference of proportions. The result is as follows:



Test statistic: z = (0.32 - 0.07) / 0.0323497 = 7.72806

Two-tailed p-value = 1.092e-014 (one-tailed = 5.46e-015)

Here the Z critical value at 5% level of significance is 1.96. Since the absolute

value of Z is greater than critical value, the null hypothesis has been rejected

and alternative hypothesis has been accepted, Thus it is inferred that there is

proportion of passengers agreed that destination reaching time is less by

Vadap than ST.

izok”kkaP;k erkuqlkj] ,l~- Vh- is{kk oMkiP;k QsÚ;k vf/kd vkgsr-

186

B. Vadap Drivers:

Hypothesis 3:

The proportion of Vadap drivers agreed that they are facing difficulties from

ST officers is significant.

Ho: The proportion of Vadap drivers agreed that they are facing difficulties from

ST officers is not significant (i.e. P=0.4)

H1: The proportion of Vadap drivers agreed that they are facing difficulties from

ST officers is significant (i.e. P > 0.4)

In order to test the null hypothesis Z-test for significance of proportion has

been applied as the sample size is large. The test result is as follows: Sample

size: n = 100 Sample proportion = 0.6

Test statistic: z = (0.6 - 0.4)/0.0489898 = 4.08248


Since the observed Z value (absolute) is greater than Z critical value, the null

hypothesis has been rejected and the alternative has been accepted. Thus it is

inferred that the proportion of Vadap drivers facing difficulties from ST

officials is significant.

oMki Okkgupkydkauk ,l~- Vh- P;k vf/kdkÚ;kdMwu leL;kauk

lkeksjs tkos ykxrs-

187

Hypothesis 4:

Proportion of Vadap drivers opined that availability of ST is time to time is

significant.

H0: Proportion of Vadap drivers opined that availability of ST is time to time is

not 0.5(i.e. P=0.5)

H1: Proportion of Vadap drivers opined that availability of ST is time to time is

less than 0.5 (i.e. P<0.5)

Sample size: n = 100 Sample proportion = 0.23

Test statistic: z = (0.23 - 0.5)/0.05 = -5.4


Since the observed Z value (absolute) is greater than Z critical value, the null

hypothesis has been rejected and the alternative has been accepted. Thus it is

inferred that the proportion of Vadap drivers opined that availability of ST is

time to time is less than 0.5 (i.e. P<0.5).

oMki okgupkydkaP;k erkuqlkj]] ,l~- Vh- ph miyC/krk osGsoj

vlrs-

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