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मुद्रास्फीति पर घरेलू अपेक्षाओं का सर्वेक्षण

आज, रिज़र्व बैंक ने मार्च 2025 के अपने द्विमासिक मुद्रास्फीति पर घरेलू अपेक्षाओं का सर्वेक्षण (आईईएसएच)1 2 के परिणाम जारी किए हैं। यह सर्वेक्षण 1-10 मार्च, 2025 के दौरान 19 प्रमुख शहरों में किया गया था, जिसमें 6,091 वैध प्रतिक्रियाएँ मिलीं।

मुख्य विशेषताएँ:

  1. पिछले सर्वेक्षण दौर की तुलना में परिवारों की औसत मुद्रास्फीति धारणा 50 आधार अंकों (बीपीएस) घटकर 7.8 प्रतिशत हो गई, जो महामारी के समय से अपने सबसे निचले स्तर पर है [चार्ट 1ए और 1बी; टेबल 3]।

  2. आगामी तीन महीने और एक वर्ष की अवधि के लिए भी मुद्रास्फीति पर अपेक्षाएँ 40 बीपीएस और 50 बीपीएस घटकर क्रमशः 8.9 प्रतिशत और 9.7 प्रतिशत हो गईं हैं [चार्ट 1ए और 1बी; टेबल 3]।

  3. पिछले सर्वेक्षण दौर की तुलना में परिवारों के एक कम हिस्से ने निकट भविष्य और आने वाले वर्ष दोनों के लिए सामान्य कीमतों और मुद्रास्फीति में वृद्धि की आशंका जताई है [टेबल 1(ए) और 1(बी)]।

  4. उत्तरदाताओं को अधिकांश उत्पाद समूहों, विशेष रूप से खाद्य उत्पादों और आवास के लिए, दोनों समय अवधियों में मुद्रास्फीति के दबाव में कमी की अपेक्षा है [टेबल 1(ए) और 1(बी)]।

Chart 1a & 1b

Note: कृपया समय क्षृंखला डेटा के लिए एक्सेल फ़ाइल देखें3

Table 1(a): Product-wise Expectations of Prices for Three Months ahead
(Percentage of Respondents)
Survey period ended Mar-24 Sep-24 Nov-24 Jan-25 Mar-25
General Estimate SE Estimate SE Estimate SE Estimate SE Estimate SE
Prices will increase 76.5 0.85 79.7 0.89 79.3 0.89 81.6 0.79 80.7 0.87
Price increase more than current rate 53.1 1.08 55.5 1.21 53.6 1.24 57.9 1.11 54.7 1.15
Price increase similar to current rate 18.2 0.79 19.2 0.86 19.9 0.87 19.2 0.86 20.8 0.86
Price increase less than current rate 5.2 0.44 5.0 0.55 5.8 0.49 4.4 0.44 5.2 0.47
No changes in prices 19.6 0.80 17.9 0.85 18.7 0.87 16.5 0.76 17.3 0.84
Decline in prices 3.9 0.38 2.5 0.32 2.0 0.29 2.0 0.29 2.0 0.27
Food Product                    
Prices will increase 76.7 0.81 83.9 0.75 83.9 0.75 83.2 0.77 83.1 0.77
Price increase more than current rate 54.4 1.00 60.7 1.07 60.7 1.08 59.3 1.03 57.8 1.09
Price increase similar to current rate 15.7 0.69 16.7 0.77 17.0 0.81 17.3 0.78 18.3 0.79
Price increase less than current rate 6.6 0.50 6.6 0.58 6.2 0.50 6.7 0.53 7.0 0.54
No changes in prices 15.1 0.68 11.2 0.67 11.1 0.64 11.5 0.66 12.2 0.69
Decline in prices 8.2 0.54 4.9 0.42 5.0 0.44 5.3 0.45 4.7 0.40
Non- Food Product                    
Prices will increase 71.5 0.87 76.1 0.92 75.9 0.90 75.2 0.86 75.6 0.89
Price increase more than current rate 48.9 1.01 52.4 1.11 51.7 1.14 52.5 1.04 53.3 1.07
Price increase similar to current rate 16.2 0.71 17.7 0.78 17.9 0.78 16.8 0.74 15.3 0.74
Price increase less than current rate 6.4 0.48 6.1 0.55 6.3 0.50 6.0 0.47 7.0 0.54
No changes in prices 20.9 0.80 19.1 0.85 19.9 0.85 20.4 0.79 20.2 0.82
Decline in prices 7.7 0.51 4.7 0.42 4.2 0.39 4.4 0.40 4.2 0.39
Household Durables                    
Prices will increase 64.7 0.92 64.9 1.03 66.5 1.00 67.0 0.99 66.7 0.98
Price increase more than current rate 43.8 1.01 45.9 1.11 46.3 1.11 46.9 1.09 45.2 1.11
Price increase similar to current rate 15.5 0.70 14.2 0.71 14.5 0.70 14.7 0.71 15.8 0.74
Price increase less than current rate 5.4 0.44 4.7 0.48 5.7 0.50 5.4 0.45 5.8 0.51
No changes in prices 26.1 0.85 25.2 0.97 24.8 0.89 25.3 0.92 24.6 0.90
Decline in prices 9.2 0.57 9.8 0.55 8.7 0.55 7.8 0.50 8.6 0.52
Cost of Housing                    
Prices will increase 76.9 0.83 77.7 0.88 78.9 0.85 78.5 0.91 78.0 0.88
Price increase more than current rate 55.8 1.07 56.9 1.11 57.4 1.14 58.0 1.10 56.5 1.09
Price increase similar to current rate 16.4 0.74 16.3 0.75 16.4 0.76 15.6 0.75 16.0 0.73
Price increase less than current rate 4.7 0.40 4.5 0.48 5.1 0.46 4.9 0.44 5.4 0.48
No changes in prices 19.6 0.78 19.1 0.87 18.2 0.79 18.3 0.87 19.1 0.84
Decline in prices 3.5 0.36 3.3 0.35 2.9 0.33 3.2 0.36 2.9 0.34
Cost of Services                    
Prices will increase 65.0 0.97 66.9 1.04 66.3 0.99 68.4 0.99 69.3 0.98
Price increase more than current rate 45.5 1.09 46.9 1.15 46.6 1.12 48.2 1.10 49.0 1.10
Price increase similar to current rate 14.4 0.70 15.5 0.73 14.8 0.70 14.9 0.74 14.9 0.71
Price increase less than current rate 5.2 0.45 4.5 0.46 5.0 0.44 5.4 0.45 5.3 0.46
No changes in prices 30.1 0.92 29.8 1.01 30.7 0.98 28.4 0.96 27.8 0.95
Decline in prices 4.8 0.43 3.2 0.35 2.9 0.33 3.1 0.36 3.0 0.34
Note:
1. The table provides estimates and standard errors (SE) for qualitative responses.
2. Constituent items may not add up to the corresponding total, due to rounding off.

 

Table 1(b): Product-wise Expectations of Prices for One Year ahead
(Percentage of Respondents)
Survey period ended Mar-24 Sep-24 Nov-24 Jan-25 Mar-25
General Estimate SE Estimate SE Estimate SE Estimate SE Estimate SE
Prices will increase 87.4 0.67 89.4 0.73 89.6 0.67 90.6 0.62 89.7 0.67
Price increase more than current rate 64.7 1.08 66.5 1.20 66.9 1.14 68.7 1.06 65.4 1.12
Price increase similar to current rate 18.5 0.83 18.6 0.91 18.6 0.85 18.1 0.87 19.7 0.88
Price increase less than current rate 4.2 0.41 4.4 0.50 4.1 0.40 3.8 0.43 4.6 0.44
No changes in prices 9.7 0.59 8.6 0.67 8.2 0.62 7.4 0.55 8.4 0.62
Decline in prices 2.9 0.35 2.0 0.28 2.2 0.30 2.0 0.29 1.9 0.27
Food Product                    
Prices will increase 84.5 0.73 86.6 0.78 89.0 0.66 88.8 0.65 87.9 0.66
Price increase more than current rate 59.5 1.10 61.8 1.20 64.4 1.13 63.5 1.10 60.8 1.09
Price increase similar to current rate 19.8 0.80 19.2 0.85 19.3 0.87 19.7 0.89 21.1 0.83
Price increase less than current rate 5.2 0.45 5.6 0.55 5.3 0.48 5.6 0.51 6.1 0.49
No changes in prices 10.1 0.61 9.7 0.66 7.3 0.53 7.7 0.55 8.9 0.58
Decline in prices 5.4 0.44 3.8 0.38 3.7 0.38 3.5 0.36 3.2 0.33
Non- Food Product                    
Prices will increase 81.1 0.76 82.4 0.85 81.9 0.81 83.3 0.78 82.6 0.78
Price increase more than current rate 56.3 1.09 58.3 1.20 56.7 1.19 59.4 1.16 56.7 1.11
Price increase similar to current rate 19.5 0.82 18.5 0.83 19.5 0.84 18.6 0.84 20.0 0.83
Price increase less than current rate 5.3 0.47 5.6 0.57 5.6 0.48 5.2 0.46 6.0 0.50
No changes in prices 14.1 0.69 14.0 0.77 14.7 0.76 13.2 0.69 13.9 0.71
Decline in prices 4.8 0.44 3.6 0.37 3.4 0.36 3.6 0.37 3.5 0.35
Household Durables                    
Prices will increase 74.5 0.83 76.2 0.93 76.8 0.90 76.3 0.90 75.4 0.90
Price increase more than current rate 52.3 1.06 54.5 1.16 54.8 1.18 54.3 1.13 51.9 1.12
Price increase similar to current rate 17.3 0.76 16.5 0.79 16.9 0.76 17.0 0.80 17.9 0.78
Price increase less than current rate 5.0 0.45 5.1 0.50 5.0 0.45 5.0 0.47 5.6 0.46
No changes in prices 18.1 0.76 17.3 0.79 17.6 0.81 18.0 0.82 17.9 0.78
Decline in prices 7.4 0.51 6.5 0.49 5.6 0.46 5.6 0.43 6.6 0.48
Cost of Housing                    
Prices will increase 87.2 0.66 87.7 0.74 88.8 0.70 88.7 0.66 88.3 0.67
Price increase more than current rate 65.6 1.01 65.9 1.07 66.7 1.09 67.6 1.05 66.5 1.03
Price increase similar to current rate 17.2 0.74 17.0 0.79 17.6 0.83 17.0 0.80 17.6 0.80
Price increase less than current rate 4.4 0.39 4.8 0.53 4.5 0.45 4.1 0.45 4.2 0.39
No changes in prices 9.5 0.57 8.9 0.60 8.7 0.61 8.8 0.59 9.3 0.60
Decline in prices 3.3 0.36 3.4 0.40 2.5 0.30 2.5 0.31 2.3 0.30
Cost of Services                    
Prices will increase 80.1 0.78 82.2 0.85 81.7 0.90 81.9 0.85 82.4 0.79
Price increase more than current rate 56.3 1.08 58.8 1.18 58.4 1.19 58.8 1.15 59.4 1.07
Price increase similar to current rate 18.9 0.78 17.9 0.80 18.3 0.82 18.2 0.82 17.6 0.79
Price increase less than current rate 4.9 0.45 5.5 0.57 4.9 0.44 5.0 0.47 5.4 0.45
No changes in prices 16.0 0.71 15.3 0.80 15.7 0.84 15.5 0.79 15.0 0.74
Decline in prices 3.9 0.38 2.4 0.30 2.6 0.32 2.6 0.33 2.6 0.31
Note:
1. The table provides estimates and standard errors (SE) for qualitative responses.
2. Constituent items may not add up to the corresponding total, due to rounding off.

 

 

 

 

 

Table 2: Inflation Expectations of Various Groups: Mar-25
  Current Perception Three Months ahead Expectation One Year ahead Expectation
Mean Median Mean Median Mean Median
Estimate SE Estimate SE Estimate SE Estimate SE Estimate SE Estimate SE
Overall 8.5 0.08 7.8 0.11 9.5 0.08 8.9 0.13 9.4 0.11 9.7 0.23
Gender-wise                        
Male 8.8 0.12 8.1 0.15 9.6 0.12 8.9 0.20 9.5 0.16 9.9 0.23
Female 8.6 0.11 7.7 0.15 9.6 0.12 9.1 0.23 9.5 0.14 9.8 0.23
Category-wise                        
Financial Sector Employees 9.3 0.47 8.6 0.53 10.6 0.47 10.2 0.59 10.2 0.75 10.3 1.05
Other Employees 8.5 0.16 7.8 0.21 9.5 0.17 8.9 0.25 9.6 0.20 10.1 0.20
Self Employed 8.8 0.19 8.4 0.26 9.7 0.20 9.3 0.40 9.5 0.24 10.0 0.23
Homemaker 8.6 0.13 7.8 0.18 9.6 0.14 9.1 0.27 9.5 0.17 9.8 0.29
Retired Persons 9.3 0.33 8.9 0.65 10.4 0.35 10.1 0.52 9.7 0.43 9.5 0.56
Daily Workers 8.4 0.28 7.5 0.44 9.3 0.27 8.4 0.43 8.9 0.35 8.7 0.47
Other category 8.4 0.19 7.6 0.23 9.4 0.21 8.7 0.32 9.5 0.25 9.7 0.43
Age Group-wise                        
Up to 25 years 7.9 0.18 7.1 0.22 8.8 0.19 8.3 0.20 9.0 0.22 9.0 0.36
25 to 30 years 8.2 0.16 7.5 0.17 9.3 0.17 8.7 0.21 9.7 0.20 10.0 0.21
30 to 35 years 8.2 0.17 7.2 0.24 9.3 0.19 8.6 0.27 9.1 0.24 9.0 0.34
35 to 40 years 8.8 0.18 8.1 0.22 9.6 0.20 9.1 0.37 9.3 0.25 9.8 0.32
40 to 45 years 9.1 0.19 8.8 0.34 10.0 0.20 9.9 0.31 9.8 0.25 10.3 0.11
45 to 50 years 8.8 0.23 8.4 0.26 9.8 0.24 9.6 0.35 9.6 0.29 9.9 0.29
50 to 55 years 8.7 0.26 8.0 0.54 9.4 0.28 9.1 0.61 9.0 0.33 9.0 0.58
55 to 60 years 9.2 0.28 8.6 0.62 9.9 0.29 9.3 0.69 9.5 0.36 8.9 0.81
60 years and above 9.3 0.24 8.8 0.61 10.3 0.25 9.9 0.42 9.7 0.32 9.9 0.36
City-wise                        
Ahmedabad 6.3 0.17 6.0 0.14 7.1 0.19 6.7 0.17 7.0 0.29 7.1 0.24
Bengaluru 6.3 0.21 5.6 0.13 7.8 0.21 7.1 0.32 8.1 0.25 7.7 0.37
Bhopal 9.2 0.54 8.9 1.14 10.3 0.47 10.3 0.35 9.9 0.61 10.3 0.56
Bhubaneswar 8.1 0.47 6.9 0.84 9.8 0.47 9.0 0.96 10.0 0.51 9.4 0.87
Chennai 8.4 0.30 8.0 0.64 9.1 0.40 8.7 0.88 9.4 0.48 9.9 0.66
Delhi 9.5 0.20 9.3 0.46 9.8 0.21 9.5 0.40 9.4 0.28 9.8 0.39
Guwahati 9.3 0.54 9.8 0.79 10.0 0.63 10.2 0.76 10.8 0.71 11.6 1.48
Hyderabad 7.7 0.27 6.8 0.43 9.7 0.32 9.3 0.60 9.8 0.35 10.1 0.31
Jaipur 7.1 0.38 6.4 0.55 7.8 0.37 7.1 0.46 7.6 0.88 7.4 0.88
Jammu 10.3 0.63 9.9 1.74 9.4 0.72 8.7 1.72 9.5 0.73 8.9 1.90
Kolkata 11.4 0.26 10.7 0.19 11.9 0.27 12.0 1.00 11.4 0.32 12.2 1.08
Lucknow 8.2 0.31 7.7 0.36 8.9 0.35 8.5 0.37 8.6 0.49 8.9 0.72
Mumbai 8.6 0.20 8.0 0.23 10.1 0.23 10.0 0.25 10.1 0.28 10.4 0.18
Nagpur 8.2 0.42 7.8 0.60 9.6 0.45 9.1 0.70 9.5 0.57 10.1 0.77
Patna 7.5 0.69 7.0 0.40 8.1 0.85 7.6 0.68 8.3 0.82 7.9 0.59
Thiruvananthapuram 7.8 0.59 6.8 0.77 9.4 0.56 8.4 0.82 10.9 0.62 10.7 0.73
Chandigarh 9.2 0.59 8.5 0.69 9.8 0.73 9.2 0.85 9.9 0.73 9.7 0.75
Ranchi 8.8 0.38 8.0 0.28 9.2 0.37 8.4 0.35 9.2 0.50 8.8 0.55
Raipur 10.0 0.42 10.1 0.45 10.5 0.42 10.3 0.49 9.8 0.53 10.0 0.57
Note: The table provides estimates and standard errors (SE) for quantitative responses.

 

Table 3: Household Inflation Expectations – Current Perception, Three Months and One Year Ahead Expectations
  Current Perception Three Months ahead Expectation One Year ahead Expectation
Mean Median Mean Median Mean Median
Estimate SE Estimate SE Estimate SE Estimate SE Estimate SE Estimate SE
Mar-24 8.7 0.09 8.1 0.13 9.6 0.09 9.0 0.16 9.5 0.10 9.8 0.19
Sep-24 8.6 0.09 8.1 0.13 9.6 0.10 9.2 0.23 9.6 0.12 10.0 0.14
Nov-24 8.9 0.09 8.4 0.13 9.7 0.10 9.1 0.20 9.7 0.12 10.1 0.11
Jan-25 8.8 0.08 8.3 0.11 9.8 0.09 9.3 0.23 9.9 0.11 10.2 0.07
Mar-25 8.5 0.08 7.8 0.11 9.5 0.08 8.9 0.13 9.4 0.11 9.7 0.23
Note: The table provides estimates and standard errors (SE) for quantitative responses.

 

 

Table 4: Households Expecting General Price Movements in Coherence with Movements in Price Expectations of Various Product Groups: Three Months Ahead and One Year Ahead
(Percentage of Respondents)
Survey period ended Food Non-Food Households durables Housing Cost of services
Three Months Ahead
Mar-24 65.4 66.1 61.2 64.6 66.8
Sep-24 66.0 66.4 61.6 65.6 67.5
Nov-24 65.7 66.2 61.0 64.1 71.3
Jan-25 66.2 66.2 61.1 65.3 66.0
Mar-25 64.4 67.6 60.1 65.0 68.8
One Year Ahead
Mar-24 74.6 73.6 68.3 75.0 74.2
Sep-24 78.8 75.1 68.7 77.9 75.9
Nov-24 79.6 73.8 70.1 75.7 74.4
Jan-25 75.3 73.1 67.8 75.3 73.9
Mar-25 74.3 72.7 67.0 75.4 76.9

 

 

Table 5(a): Cross-tabulation of Number of Respondents by Current Inflation Perception and Three Months Ahead Inflation Expectations: Mar-25
Three Months Ahead Inflation Rate (per cent)
Current Inflation Rate (per cent)   <1 1-<2 2-<3 3-<4 4-<5 5-<6 6-<7 7-<8 8-<9 9-<10 10-<11 11-<12 12-<13 13-<14 14-<15 15-<16 >=16 No idea Total
<1 12 1 2 1 1 2 0 0 0 0 2 0 0 0 0 0 0 0 21
1-<2 2 28 21 12 1 1 1 1 1 0 0 0 0 0 0 0 0 0 68
2-<3 0 6 91 73 40 15 7 4 9 0 1 0 0 0 0 0 0 0 246
3-<4 0 4 10 71 47 70 14 1 1 0 0 0 0 0 0 0 0 0 218
4-<5 0 1 11 11 132 114 55 18 11 2 11 0 0 1 0 0 19 0 386
5-<6 1 4 14 32 29 459 215 207 78 13 115 1 23 1 0 2 9 0 1203
6-<7 0 1 1 4 7 13 215 100 76 24 22 2 3 0 0 0 9 0 477
7-<8 0 0 0 5 4 14 5 226 138 56 78 5 6 1 0 2 1 0 541
8-<9 0 0 0 0 5 8 4 6 184 101 146 11 14 6 1 2 8 0 496
9-<10 0 0 0 1 2 0 1 1 8 82 71 18 24 1 2 0 2 0 213
10-<11 0 2 10 4 1 48 8 8 18 9 425 77 204 40 16 207 79 1 1157
11-<12 0 0 0 2 4 3 0 0 0 0 0 19 8 3 2 2 0 0 43
12-<13 0 0 0 2 0 9 1 0 0 0 1 3 41 10 16 32 7 0 122
13-<14 0 0 0 0 1 1 5 0 0 0 1 0 0 6 4 5 0 0 23
14-<15 0 0 0 0 0 0 1 7 0 1 1 0 0 0 8 4 3 0 25
15-<16 0 1 1 0 1 5 0 1 1 0 7 0 0 4 0 83 108 0 212
>=16 0 0 0 0 0 13 0 2 0 0 28 0 2 0 0 19 571 5 640
Total 15 48 161 218 275 775 532 582 525 288 909 136 325 73 49 358 816 6 6091

 

 

Table 5(b): Cross-tabulation of Number of Respondents by Current Inflation Perception and One Year Ahead Inflation Expectations: Mar-25
One Year Ahead Inflation Rate (per cent)
Current Inflation Rate (per cent)   <1 1-<2 2-<3 3-<4 4-<5 5-<6 6-<7 7-<8 8-<9 9-<10 10-<11 11-<12 12-<13 13-<14 14-<15 15-<16 >=16 No idea Total
<1 8 1 3 4 0 3 1 0 0 0 0 0 0 0 0 0 1 0 21
1-<2 10 18 16 8 4 8 1 1 0 0 2 0 0 0 0 0 0 0 68
2-<3 35 2 49 42 55 29 10 7 3 0 14 0 0 0 0 0 0 0 246
3-<4 24 1 9 31 41 67 26 8 2 0 8 0 0 0 0 0 0 1 218
4-<5 48 0 3 13 60 89 79 31 18 8 16 0 0 0 1 1 19 0 386
5-<6 127 2 6 17 20 254 148 190 132 38 201 7 30 3 4 13 11 0 1203
6-<7 62 0 0 1 3 11 103 91 96 31 52 5 13 1 2 1 5 0 477
7-<8 45 0 0 0 1 14 6 115 91 81 118 16 32 1 8 10 3 0 541
8-<9 31 0 0 0 2 5 5 4 99 58 181 21 56 11 3 10 10 0 496
9-<10 11 0 0 1 0 2 1 3 5 45 37 31 43 7 10 13 4 0 213
10-<11 95 1 0 2 0 26 3 5 9 6 284 45 167 52 34 249 175 4 1157
11-<12 9 0 0 0 1 2 0 0 0 1 0 11 3 7 4 5 0 0 43
12-<13 12 0 1 0 0 3 0 0 0 0 2 2 18 11 20 29 24 0 122
13-<14 9 0 0 0 0 0 0 0 0 0 1 1 0 3 3 5 1 0 23
14-<15 11 0 0 0 0 0 0 0 0 0 0 0 0 0 6 3 5 0 25
15-<16 16 0 2 0 0 3 0 0 0 0 5 1 0 0 0 51 134 0 212
>=16 61 0 0 0 1 8 0 1 0 0 20 0 2 0 0 6 540 1 640
Total 614 25 89 119 188 524 383 456 455 268 941 140 364 96 95 396 932 6 6091

 


1 यह सर्वेक्षण भारतीय रिज़र्व बैंक के द्वारा द्विमाही अंतरालों पर संचालित किया जाता है; यह निकट भविष्य में मुद्रास्फीतिकारी दबावों पर उत्तरदाताओं से प्राप्त निदेशात्मक जानकारी प्रदान करता है और उनकी स्वयं की खपत प्रवृत्ति को प्रतिबिंबित करता है। सर्वेक्षण के परिणाम उत्तरदाताओं के विचारों को दर्शाते हैं, जो जरूरी नहीं कि रिज़र्व बैंक द्वारा मान्यता प्राप्त हों।

2 मुद्रास्फीति प्रत्याशाओं के सभी अनुमान मीडियन के रूप में दिए गए हैं, जब तक अन्यथा न कहा गया हो।

3 पिछले सर्वेक्षण चक्र के परिणाम बैंक की वेबसाइट पर फ़रवरी 07, 2025 को जारी किए गए थे। सर्वेक्षण के पिछले चक्रों के लिए यूनिट-स्तर के डेटा, बैंक के भारतीय अर्थव्यवस्था पर डेटाबेस (DBIE) पोर्टल (वेबलिंक : https://data.rbi.org.in/DBIE/#/dbie/home) पर 'यूनिट-स्तर डेटा' शीर्षक के अंतर्गत उपलब्ध हैं।

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