<p class="pntext1"> ;tortk; jJ/ yakskXkoeK d/ eb/w dk fBgNkok-;obheoD gqfefonk</p> - ਆਰਬੀਆਈ - Reserve Bank of India
;tortk; jJ/ yakskXkoeK d/ eb/w dk fBgNkok-;obheoD gqfefonk
nkoHphHnkJh|2005-06|48
nkoHghH;hHvhH;hHTHnkoHn?cHphH;hHBzL12|07H38H01|2005-06
12 i[bkJh, 2005
u/now?B|
nB[;{fus tgkoe p?IeK d/ ;w{j ;hHJhHTHn?;H
(nkoHnkoHphHn?;Hs'I fpBK)
;qhwkB ih,
;tortk; j'J/ yakskXkoeK d/ eb/w dk fBgNkok-;obheoD gqfefonk
Gkosh foiaot p?Ie d/ fwsh 3 Btzpo, 2003 dh ;kbkBk Bhsh d/ fwv Now foftT{ n?bkB nB[;ko, nkw b'eK dhnK ;/tktK d/ fwnko ftZu ;[Xko fbnkT[D bJh nkoHphHnkJhH B/ g'q;hiao n?Iv gq'ckow?I; nkfvN nkB gpfbe ;oft;ia (;hHghHghHJ/HghHn?;H) ew/Nh dh ;EkgBk ehsh. p?Ie nkgq/;aBi s/ ew/Nh dh n'N BzzL3 i' iwQK yakfsnK ns/ ftneshnK (BkB fpiB?;) B{z j'o ;j{bsK ;pzXh gkfJnk fe ;tortk;h yakskXkoeK d/ gfotkoK bJh pVh e;aNdkfJe gqfefonk bkr{ ehsh iKdh j? fi; Bkb fJBQK gfotkoK d/ w?IpoK B{z pVh w[;aeb ns/ fdZesK dk ;kjwDk eoBk g?Idk j? id'I fe ;torh yakskXkoeK d/ eb/wK d/ fBgNko/ bJh p?IeK B{z ;kv/ r;ash gZso BzLnkoHghH;hHvhH;hHTHBzLnkoHn?cHphH;hH09H|07H38H01|2000-2001 fwsh 22 nr;s, 2000 ns/ nkoHghH;hHvhH;hHTHBzLnkoHn?cHphH;hH59|07H28H01|2000-2001 fwsh 27 cotoh, 2001 okjhI ;g;aN jdkfJsK ikoh ehshnK rJhnK jB. ;h gh gh J/ gh n?; dhnK T[go'es f;cako;aK dh o";aBh ftu w"i{dk gqpzX foftT{ ehsk iKdk j? ns/ ;torh yakskXkoeK d/ eb/wK dk fpBK fe;/ fjueukjN ns/ s[ozs fBgNko/ bJh gfjbhnK jdkfJsK dh EK BthInK jdkfJsK ikoh ehshnK iKdhnK jB.
2- iwQK yakfsnK ftZu pekJ/ B{z i'VBk
T- yakfsnK Bkb T[so ihts|Bkwiadrh Xkok
2H1 fit/I fe s[;hI ikDd/ j', iwQK yakfsnK d/ e/; ftZu fiZE/ iwQKeosk Bkwiadrh ;j{bs dh tos'I eodk j? ns/ gqwkfDe s"o s/ Bkwiadrh eodk j? iK fiZE/ T[soihts Xkok Bkb yaksk y'fbQnk iKdk j? (**iK sK T[so ihts** iK e'Jh th iK T[so ihts iK gfjbK iK T[so ihts iK pknd dk iK T[soihts**);tortk;h yaksk Xkoe dk T[soihts|Bkwiad yaks/ ftub/ pekJ/ dh ndkfJrh bJh p?Ie dhnK d/DdkohnK dk gqwkfDe G[rskB g/;a eo/rk ;aos fJj j? fe L-
(T) p?Ie tos'I tZb :'r fXnkB d/t/ ns/ T[so ihts|Bkwiad dh ;aBkyas ;Ekgs eoB bJh ;ktXkBh tos/ ns/ yaksk Xkoe dh w"s Y[et/I d;skt/ih ;p{s i[NkJ/ ikDL
(n) fe;/ nfXekos e'oN tb'I p?Ie ftu'_ fwqse d/ yaks/ ftu'_ ndkfJrh bJh e'Jh o'e Bk bkJh j't/.
(J) T[sZo ihts ftnesh|Bkwiad B{z ;g;aN eo d/Dk ukjhdk j? fe T[j ;torh yakskXkoe d/ ekB{zBh tkfo; d/ No;Nh ti'I p?Ie s'I ndkfJrh gqkgs eo/rk s/ fJj ndkfJrh i/ T[so ihts |Bkwiad fto[ZX fe;/ dh e'Jh ndkfJrh pDdh j't/, fJj T[; bJh gqGkts BjhI j't/rh.
2H2 fJj ;wM fbnk ikt/ fe gfjbhnK jdkfJsK d/ sknp/ T[so ihtsK|Bkwiad B{z ehsh rJh ndkfJrh s'I p?Ie dhnK d/DdkohnK dh g{oh soQK w[nkch ;Ekgs j'Dh ukjhdh j?,ekB{zBh d;skt/i w[jZJhnk eotkT[D dh fiZd p/b'Vh j?, T[soihtsK|Bkwiad bJh e/tb p/b'Vh n;[ftXk dk ekoD pDdh j? ns/ fGnkBe fBohye gqtkBrh B{z ;Zdk d/t/rh. nfij/ e/;K ftZu p?IeK B{z jdkfJs ehsh iKdh j? fe fwqse yaksk Xkoe dh T[so ihtsK|Bkwiad B{z ndkfJrh eod/ ;w/I tkfo; ;oNhfce/N, gq;ak;B iK t;hns gqwkD gZso iK T[soihtsK|Bkwiad s'I iawkBs pKv fwqse d/ yaks/ ftZu gJh oew d/ pkti{d w[jZJhnk eoB dh fiZd s'I pki nkfJnk ikt/.
n- T[so ihts|Bkwiad Xkok s'I fpBK yaks/
2H3 T[; e/; ftu fiZE/ fwqse yaksk Xkoe B/ e'Jh Bkwiadrh th ehsh j't/ iK T[; s'_ j'ot/I Yzr Bkb yaksk j't/ **iK T[soihts** (fit/I fe fJeZbk iK oZb e/ yaksk ubkfJnk ik fojk j't/), d/ ;pzX ftu p?Ie B{z jdkfJs ehsh iKdh j? fe nkw nkdwh B{z j[zdh p/b'Vh n;[ftXk s'I fpBK yakskXkoe d/ ekB{zBh tkfo; B{z f;ZX/ Yzr Bkb ndkfJrh dh ftXh ngDkJh ikt/. fJ; ;pzX ftZu p?IeK w?B/iw?IN gqDkbh nkgD/ i'fyaw B{z fXnkB ftZu oZy/, fwqse yaksk Xkoe B{z pekJ/ dh ndkfJrh bJh xZN s'I xZN gqt/;a ;hwK fB;afus eo/ fi; Bkb fwqse yaksk Xkoe, joikB/ dk gZso d;skt/i w[jZJhnk eotkT[D s'I fpBK nkgD/ eb/w dk fBgNkok eo ;e/.
3- fwnkdh iwQK yakfsnK dh g{ot ;wkgsh
fwnkdh iwQK g{zihnK d/ e/; ftu p?IeK B{z jdkfJs ehsh iKdh j? fe yaksk y'bQD d/ cakow ftu fJj Xkok ;akwb eo fdZsh ikt/ fe yaksk Xkoe dh w"s s'I pknd fwnkdh iwQK g{zihnK ftZu g{ot ;wkgsh dh fJikias j't/rh. yaksk y'bQD d/ ckow ftu fJj ;aos doi j'Dh ukjhdh j? fe g{ot fBek;h dh fJikias j't/rh fJ; g{ot fBek;h s/ fe;/ soQK dh e'Jh i[owkBk ch; BjhI bJh ikt/rh.
4- fwqse yakskXkoh d/ BK d/ tjkU dk fJbkia
T[go'es ;pzXh iwQK yaks/ d/ T[soihtsK|BkwiadK B{z w[;aeb s'I pukfJnk ikt//. p?IeK B{z jdkfJs ehsh iKdh j? fe fwqse yakskXkohnK d/ BK s/ gkJhg bkJhBK d/ tjkU d/ fJbkia bJh T[soihteK|Bkwiad s'I Y[etK fJeokoBkwk|nfXeko gqkgs ehsk ikt/. fJ; ;pzX ftZu p?IeK j/m fbyhnK d' rZbK ftu' e'Jh fJe ngDk ;edh j?.
fwqse tb'I T[soihtsK|Bkwiad tb'I p?Ie n?;N/N nkc ;qh------------soQK dk yaksk y'bQ e/ nfXekos ehsk ikt/ fwqse fiZE/ fwqse yakskXkoh d/ BK s/ uZb ojhnK gkJhg bkJhBK bJh iwQK eotkT[D dh nkfrnk BjhI j't/rh i/ e'Jh oew eYtkJh Bk rJh j't//.
T[soihtsK|Bkwiad iK gkJhg bkJhB tjktK G/iD B{z tkg; eoB bJh p?Ie B{z nfXfeqs eo/rk. **yakskXkoe ;tortk; j' frnk j?** ns/ T[j fJ;/ nB[;ko T[soihtsK|Bkwiad B{z ;{fus eo/rk. T[soihts|Bkwiad|ekB{zBh tkfo; ndkfJrh G/iD tkb/ B{z ftukoB:'r d;skt/i okjhI gj[zu eo/rk iK JhH;hHn?;H okjhI Y[et/I bkG bJh BK s/ pdbh eotkJ/rk.
5- b"eoK dhnK iwQK g{zihnK ns/ t;sK dh ;[oZfynk
fwqse b"eo feokJ/dko d/ Bkwiad|iwQK t;sK dh ;[oZfynk (fiZE/ Bkwiadrh ehsh rJh j't/. iK fwqse T[fuZsihts (fiZE/ b"eo|t;sK dh ;[oZfynk B{z T[soihts Xkok okjhI fBoXkos ehsk ikDk j't/)fwqse tb'I feokJ/ s/ bJ/ rJ/ bkeo|uhiaK t;sK dh ;[oZfynk dk nB[wkB bkfJnk ikDk j't/, dhnK p/BshnK vhb eoB bJh gfjbK tkbhnK gj[zuK|jdkfJsK B{z ngDkJhnK ikD. fJ; ;pzXh fd;ak fBod/;a tZyo/ s"o s/ ikoh ehs/ ik u[Ze/ jB.
6- eb/wK d/ fBgNko/ bJh ;wK ;hwK
p?IeK B{z jdkfJs ehsh iKdh j? fe fwqse yaksk XkoeK d/ T[soihtsK|Bkwiad dh ndkfJrh dk G[rskB fwqse dh w"s d/ ;p{s ns/ eb/wK bJh Y[ethI ;aBkyas eoe/ eb/w wzrD s'I 15 fdBK d/ nzdo nzdo T[; d/ eb/w dk fBgNkok ehsk ikt/.
p?IeK B{z ukjhdk j? fe Y[et/I ;w/I nzdo gqkgs j'J/ fwqseK iwQKg{zih|b"eo feokJ/dkoK|iwQK t;sK dh ;[oZfynk ;pzXh gqkgs j'J/ eb/wK dh ft;fsqs n'N p'ov dh e;Nw ;oft; ew/Nh B{z 15 fdBK d/ ftu ftu G/iD ns/ fJ; ;w/I ;hwK s'I pknd bzfps e/;K dk ekoD th dZf;nk ikt/.
7- p?Ifezr o?r{b/;aB n?eN, 1949 dhnK XkoktK
fJ; ;pzX ftu p?fezr o?r{b/;aB n?eN 1949 dhnK XkoktK d/ Gkr 45 J/ s'I 45 i?v n?c ns/ p?Ifezr ezgBh (BkwhB/;aB) o{b 1985 tZb th nkg dk fXnkB fdtkfJnk iKdk j?.
8- gqDkbhnK|ftXhnK dk gqfefonk ;obheoD
fwqse gqfsfBZXhnK d/ eb/wK d/ fBgNko/ bJh n?BHJ/HphHJ/HnkoHvhHB/ B/wpZX wkvb nkgq/;aBb gq';hiao(n?wHUHghH) dh jdkfJs ehsh j?, tZy tZy jkbsK ftZu fJ; r;ash gZso ftZu doi jdkfJsK nB[;ko p?IeK B{z ekotkJh eoBh ukjhdh j? noEks fJj jdkfJsK ngBkT[DhnK ukjhdhnK jB. fJ; bJh p?IeK B{z fwqseK d/ gqfsfBZXK d/ eb/wK d/ fBgNko/ Bkb ;pzXs fit/I fe iwQK g{zihnK|feokJ/ d/ bkeoK|iwQK t;sK dh okyh -;[oZfynk bJh nkgDh ft;fsqs gqDkbhnK ns/ gqfefonktK B{z foftT{ eoBk ukjhdk j?. fJ; wzst bJh ;ob Bhsh|gqfefonk pDk e/ p'ov dh gotkBrh Bkb ekB{zBh XkoktK gfjbhnK jdkfJsK ns/ n?BHJ/HphHJ/HnkoHvhHd[nkok n?wHUHghHB/wpZX eotk e/ bkr{ ehs/ ikD.
9- rkje nrtkJh ns/ gquko
BkwhB/;aB ;j{bs ns/ T[soihtsK XkoktK d/ bkGK ;pzXh iwQK g{zihnK d/ yaksk XkoeK B{z gquko okjhI t/ot/ ;fjs nrtkJh d/D bJh p?IeK B{z jdkfJs ehsh iKdh j?. gquko ;wZroh ftu fJ; s/ tX/o/ ia'o fdZsk ikt/ fe ;KM/ yakskXkoeK ftu' fe;/ dh w"s j'D dh ;{os ftZu T[soihts yakskXkoe dk yaksk ubkT[D dk nkgD/ nkg nfXeko BjhI pD iKdk id'I se T[soihts Xkok Bk j't/.
10- fJBQK jdkfJsK Bkb fwqse yaksk XkoeK d/ T[so ihtsK|BkwiadK B{z fdZsh ik ojh rkje ;/tk d/ fwnko ftu pj[s tXhnk ;[Xko j'D dh nk; j?.
11- fJ; dh gj[zu G/ih ikt/.
fjs{,
;jh|-
(;hHn?;Hw{oEh)
w[Zy wjKgqpzXe-fJzukoi