State Consumer Disputes Redressal Commission
B.M.Bank Of India vs Rishiraj Singh on 24 February, 2016
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miHkksDrk fookn Áfrrks"k.k vk;ksx] i.Mjh] jk;iqj vihy Øekad% FA/15/572 lafLFkr fnukad% 19.10.2015 Jheku~ 'kk[kk izca/kd] cSad vkWQ bafM;k] 'kk[kk dksjck] fodkl dkWEiysDl] dksjck rglhy ,oa ftyk&dksjck ¼N-x-½ -----vihykFkhZ fo:) _f"kjkt flag] mez 46 o"kZ vkRet Lo- eqjyh flag] fuoklh&,y-vkbZ-th-&119] iafMr jfo'kadj 'kqDy uxj] dksjck] rglhy ,oa ftyk&dksjck ¼N-x-½ - ----mRrjoknh le{k% ekuuh; U;k;ewfrZ vkj-,l-"kekZ] v/;{k ekuuh; lqJh fguk BDdj] lnL;k ekuuh; Jh Mh-ds-iksn~nkj] lnL;
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ds-vkuankuh] vf/koDrkA mRrjoknh dh vksj ls Jh /kus'k flag] vf/koDrkA vkns'k fnukad% 24@02@2016 }kjk% ekuuh; lqJh fguk BDdj] lnL;k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e 1986 ds vUrxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] dksjck¼N-x-½ ¼ftls vkxs laf{kIr esa *ftyk Qksje* lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad CC/14/95 **_f"kjkt flag fo:) 'kk[kk izca/kd cSad vkWQ bafM;k** esa ikfjr vkns"k fnukad 24-09-2015] ls {kqC/k gksdj izLrqr dh xbZ gSA ftyk Qksje }kjk mRrjoknh dh ifjokn Lohdkj dj // 2 // vuqrks"k iznku fd;s x;s o vihykFkhZ dks funsZf'kr fd;k x;k fd ifjoknh dh cSad [kkrs dzekad 947110100008001 esa ls vKkr O;fDr }kjk voS/k :i ls fudkyh xbZ jkf'k 67]250@&:- e; C;kt 9% okf"kZd dh nj ls ifjokn fnukad ls Hkqxrku fnukad rd dk C;kt vkns'k fnukad ls nks ekg dh vof/k ds Hkhrj iznku djsa] ,oa pwd dh fLFkfr esa mijksDr jkf'k ij 12% okf"kZd dh nj ls C;kt ns; gksxkA ekufld larki gsrq {kfriwfrZ 5]000@&:- okn O;; 2]000@&:- dk Hkh Hkqxrku djsaxsA 2- mRrjoknh ds }kjk izLrqr ifjokn ds Lohd`r rF; ;g gS fd ifjoknh us vukosnd cSad 'kk[kk dksjck esa cpr [kkrk dzekad 947110100008001 gSA vukosnd cSad }kjk ifjoknh dks ,d ,Vh,e dkMZ Hkh tkjh fd;k x;k gS ftldk dzekad 4052380489083332 ifjoknh mDr [kkrs esa jkf'k tek Hkh djrk gS ,oa vkgj.k Hkh djrk gSA ifjokn i= ds 'ks"k rF;ksa dk la{ksi lkj bl izdkj gS fd ifjoknh ds fnukad 23-04-2014] 24-04-2014 vKkr O;fDr }kjk eksckbZy Qksu ua- 9534104716 ls ifjoknh ds eksckbZy ua- 9826198915 ij Qksu dj ifjoknh dks crk;k x;k fd cSad vkWQ bafM;k ls feJk cksy jgk gS ,oa ifjoknh ls mlds ,Vh,e dkMZ ds ckjs esa iwNk x;kA ifjoknh us mRrj fn;k fd ^^,Vh,e dkMZ ?kj ij gS**] rc feJk }kjk dgk x;k fd ^^dqN nsj ckn Qksu djds lwfpr djukA** ifjoknh us mlds vk/ks ?kaVs ckn ml vKkr O;fDr dks Qksu fd;k] rc mlus ifjoknh ds cSad ,dkmaV esa 71]032@&:- 'ks"k jkf'k gksuk crk;k rFkk mldk ,Vh,e dkMZ dk uacj Hkh crk;k ,oa ;g Hkh lwfpr fd;k fd mldk vkoklh; irs dk izek.k¼,Msªl iqzQ½ xyr gS blfy;s ,Vh,e dkMZ dk uacj ifjofrZr gksdj vc 2570 gks x;k gSA rc ifjoknh us vKkr O;fDr dks ,Vh,e dkMZ dk xksiuh; uacj 7723 gksuk crk;k mlds i'pkr~ vKkr O;fDr us ifjoknh ls dgk fd rhu ?kaVs ckn xksiuh; fiu uacj 2570 izkjaHk gks tk;sxk rFkk // 3 // iwoZ dk uacj fujLr dj fn;k gSA ifjoknh us 'kke djhc 5 cts vius ,Vh,e dkMZ dk iz;ksx fd;k rc nksuksa gh xksiuh; uacj ls ,Vh,e uacj lapkfyr ugha gqbZ mlds ckn fnukad 25-04-2014 dks vukosnd cSad 'kk[kk dksjck esa tkdj ,Vh,e dkMZ ds xksiuh; uacj ds ckjs esa crk;k] rc vukosnd cSad us ifjoknh ls dgk x;k fd ^^bl rjg dk dksbZ Qksu ifjoknh dks ugh fd;k x;k gS ,oa ;g tkudkjh Hkh nh dh bl rjg xyr O;fDr ds }kjk Qksu dj bathfu;fjax dkyst dh Nk=k ds [kkrs ls 2]000@&:- dh jkf'k dk vkgj.k dj fy;s tkus dh f'kdk;r Hkh vkbZ gSA** ,slh lwpuk izkIr gksus ij ifjoknh us vukosnd cSad dks cpr [kkrk o ,Vh,e dkMZ dk uacj rRdky LFkfxr djus dk fuosnu fd;kA vukosnd cSad }kjk ifjoknh dk [kkrk Qzht dj fn;k x;kA ,d lIrkg ckn ifjoknh dks irk izek.k ds lkFk iqu% [kkrk pkyw djus gsrq cSad vkus dgk x;kA ,oa ifjoknh dks ;g Hkh lwfpr fd;k x;k fd vc mlds [kkrs ls dksbZ Hkh O;fDr jkf'k dk ysunsu ugha dj ldsxk ml le; ifjoknh ds [kkrs esa 71]025@&:- lqjf{kr tek gksuk lwfpr fd;k x;kA ifjoknh ,d lIrkg ckn fnukad 29-04-2014 dks vukosnd cSad 'kk[kk esa x;k rc vukosnd }kjk vko';d dk;Zokgh djus ds ckn ifjoknh ds [kkrs dks vuQzht fd;k x;k o ifjoknh dks lwfpr fd;k x;k fd ,Vh,e dkMZ ls xksiuh; uacj dks cny ys ifjoknh ,Vh,e dkMZ ds xksiuh; uacj cnyus dk iz;kl fd;k] ijarq ,Vh,e dk lapkyu ugha gks ldkAifjoknh us mijksDr rF; vukosnd cSad dks lwfpr fd;k rks ifjoknh dks dgk x;k fd ia- jfo'kadj 'kqDy uxj ds ,Vh,e ls ,Vh,e dk lapkyu djds ns[ksA ifjoknh us mlh le; vukosnd cSad dks dgk fd ^^tc bl ,Vh,e dk lapkyu ugha gks jgk gS rks ia- jfo'kadj 'kqDy uxj ds ,Vh,e ls dSls lapkfyr gksxkA** ifjoknh fnukad 08-05-2014 dks cSad [kkrs ls vkgj.k djus gsrq ,Vh,e x;k rks mlds iqjkus xksiuh; uacj 7723 ds iz;ksx ls gh 1]000@&:- dk vkgj.k fd;kA ,oa tks mlesa ,Vh,e ls Lyhi fudyh // 4 // mlesa [kkrs dh 'ks"k jkf'k 1]775@&:- Fkh ifjoknh mlds ckn tkudkjh ysus gsrq vukosnd cSad tkdj laidZ fd;k ftlls irk pyk fd mlds [kkrs ls 67]250@& :- vukf/kd`r :i ls vkgfjr dj yh xbZ gSA ifjoknh dks ;g Hkh irk pyk fd mlds [kkrs ls vKkr O;fDr }kjk fnukad 05-05-2014 ls fnukad 07-05-2014 rd mijksDr jkf'k;ka vkgfjr dj yh xbZ gSA mijksDr lwpuk ds ckn ifjoknh ds [kkrs dk ,Vh,e dkMZ uacj fnukad 08-05-2014 dks vukosnd 'kk[kk }kjk cnyk x;k bl izdkj vukosnd cSad ds deZpkfj;ksa }kjk gh lsok esa fuEurk dh xbZ gS ,oa mlds [kkrs ls voS/k :i ls jkf'k dk vkgj.k dj fy;k x;k gSA ftyk Qksje ds le{k ifjokn izLrqr dj bl izdkj [kkrs ls fudkyh xbZ jkf'k 67]250@&:- ekufld {kfriwfrZ gsrq 20]000@&:- ,oa vU; O;; 5]000@&:- 12% okf"kZd dh nj ls C;kt rFkk okn O;; vukosnd ls fnyk;s tkus dh izkFkZuk dh xbZA 3- vukosnd cSad }kjk mRrj izLrqr dj Lohd`r rF;ksa ds vfrfjDr tks dFku fd;k gS mldk la{ksi lkj bl izdkj gS fd ifjoknh _f"kjkt flax ds }kjk vukosnd ds eq[; izca/kd dks fnukad 19-05-2014 dks vius cpr [kkrs ls vKkr pksjksa }kjk 67]000@&:- ,Vh,e dzekad ds QthZ iz;ksx }kjk pksjh@vkgfjr fd;s tkus dh lwpuk nh xbZ FkhA tc ifjoknh }kjk gh fnukad 25-04-2014 dks vukosnd dks ekSf[kd tkudkjh nh xbZ Fkh fd mlds [kkrs ls vKkr O;fDr }kjk ,Vh,e fiu ua- lhchlh uacj dh tkudkjh izkIr dj yh xbZ gSA rc izca/kd }kjk ifjoknh dks lwfpr fd;k x;k Fkk fd "KYC nLrkost ds vHkko esa mldk [kkrk QzhTM gS rFkk mlds [kkrs esa tek jkf'k lqjf{kr gS fdlh vKkr O;fDr }kjk mlds [kkrs ls :i;s ugha fudkys tk ldrs gSA** ifjoknh ds }kjk vKkr O;fDr dks xksiuh; fiu dh tkudkjh nsus ij gh baVjusV ds ek/;e ls ifjoknh ds [kkrs ls iSlk fudyk tk ldrk gS blfy;s ifjoknh rRdky fiu uacj // 5 // ifjofrZr dj ns ;k [kkrs ls leLr jkf'k fudkydj lqjf{kr dj ys] ijarq ifjoknh }kjk bl izdkj lko/kku fd;s tkus ij Hkh rRdky dksbZ Hkh dk;Zokgh ugha dh xbZ ,oa pkj fnu i'pkr~ fnukad 29-04-2014 dks cSad ds izca/kd ds le{k nLrkost tek dj mlds [kkrs dks vufQzt djus dk fuosnu fd;k x;kA ifjoknh }kjk mDr cSad esa tek iwjh jde fudkyh tk lds fdarq ifjoknh }kjk izca/kd dks ;g dgk x;k fd vHkh rqjar vkrk gwa ifjoknh mlds ckn ukS fnu rd pqipki cSBk jgk vkSj fnukad 08-05-2014 dks tc ifjoknh ls 1]000@&:- fudkys rc irk pyk fd mlds [kkrs esa 1]775@&:- gh 'ks"k gS ,oa 67]000@&:- dh jkf'k vKkr O;fDr ds }kjk fudky yh xbZ gSA mijksDr rF;ksa dh tkudkjh fnukad 08-05-2014 dks gks tkus ds i'pkr~ Hkh vukosnd cSad dks lwfpr ugha fd;k ,oa foyac ls fnukad 19-05-2014 dks vukosnd cSad vkdj izca/kd dks tkudkjh nh FkhA ifjoknh us ;g Hkh crk;k fd vKkr O;fDr ds eksckbZy uacj ij Qksu djus ij mlus viuk uke euh"k LFkku eqacbZ gksuk O;Dr fd;k FkkA ifjoknh }kjk ;g Hkh dgk x;k fd ml euh"k uked O;fDr }kjk gh [kkrs ls jde fudkyh xbZ gS bl izdkj ifjoknh ds Lo;a dh ykijokgh ds dkj.k gh mlds cpr [kkrs ls :i;s fudky fy;s x;s gS vukosnd }kjk lsok esa fuEurk ugha dh xbZ gSA ifjoknh ds }kjk iqfyl pkSdh lh-,l-bZ-ch-Fkkuk dksrokyh esa f'kdk;r fd;s tkus ij 'kk[kk izca/kd dks i= fnukad 15-10-2014 izsf"kr fd;k x;k FkkA vukosnd cSad }kjk tkudkjh nh xbZ fd ifjoknh us vukosnd cSad ds deZpkfj;ksa ds fo:) feyhHkxr dj Ny] csbZekuh] dwVjpuk ls mlds [kkrs ls pksjh dj >wBk vkjksi yxk;k gSA ;g Hkh vkifRr dh xbZ fd Ny] csbZekuh] dwVjpuk] xcu vkfn ls lacaf/kr vkjksiksa dk fujkdj.k djus dk {ks=kf/kdkj ftyk Qksje dks ugha gS izLrqr ifjokn vr% lO;; fujLr fd;k tkosaA // 6 // 4- fo}ku ftyk Qksje }kjk fofu'p; fy;k x;k fd vukosnd }kjk lsok esa fuEurk dh xbZ ftlds ifj.kkeLo:i ifjoknh dks uqdlkuh gqbZ vkfFkZd {kfr o ekufld ijs'kkuh gqbZ ifjoknh vuqrks"k izkIr djus dk vf/kdkjh gS vr% ifjokn Lohdkj dj vuqrks"k iznku fd;s x;sA 5- gekjs le{k vihykFkhZ dh vksj ls Jh ds-vkuankuh vf/koDrk o mRrjoknh dh vksj ls /kus'k flax vf/koDrk }kjk vafre rdZ izLrqr fd;s x;s o gekjs }kjk ewy vfHkys[k dk Hkh ifj'khyu fd;k x;kA 6- vihykFkhZ ds fo}ku vf/koDrk }kjk gekjs le{k eq[;r% ;g rdZ fd;k x;k fd ftyk Qksje }kjk ikfjr vkns'k vf/kdkfjrk ls ijs tkdj fof/k fo:) fofu'p; fy;k x;k gSA ifjokn izdj.k ds rF; vijkf/kd ?kVuk ls lacaf/kr gS ftlds fujkdj.k dk vf/kdkj ftyk Qksje dks ugha gksxkA ftyk Qksje }kjk bl rF; dks vuns[kk fd;k x;k gS ifjoknh us cSad dks fnukad 25-04-2014 dks ;g lwpuk nh xbZ Fkh fd vKkr O;fDr }kjk xksiuh; fiu dh tkudkjh yh xbZ gS ijarq fQj Hkh ,Vh,e fiu uacj cnyus gsrq fyf[kr esa vkosnu ugha fn;k FkkA ftlds vHkko esa cSad fu;ekuqlkj ,Vh,e uacj cny ugha ldrh Fkh bl rF; dks Hkh vuns[kk fd;k x;k gS fd ifjoknh }kjk fnukad 29-04-2014 dks vkoklh; irk izek.k nsdj [kkrk vuQzht djus dk vkxzg fd;k FkkA Lo;a ifjoknh }kjk Hkh bl rF; dks Lohdkj fd;k x;k gS fd vukosnd cSad }kjk xksiuh; fiu uacj cnyus ds funsZ'k fn;s FksA ifjoknh }kjk mlds cpr [kkrs ls fnukad 08-05-2014 dks vukf/kd`r :i ls fudkyh xbZ jkf'k ds cgqr gh foyac ls fnukad 19-05-2014 dks cSad dks lwfpr fd;k FkkA ifjoknh }kjk Lo;a xksiuh; ikloMZ crkdj xksiuh;rk Hkax dh gS ftlds fy;s og Lo;a ftEesnkj gS cSad }kjk dksbZ Hkh lsok esa fuEurk ;k vijkf/kd nqjkpj.k ugha fd;k x;k gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr djus dk // 7 // fuosnu fd;k x;kA vihykFkhZ ds fo}ku vf/koDrk }kjk fuEufyf[kr U;k;n`"Vkar ij fo'okl fd;k x;k%& N-x-jkT; mi-fo-izfr-vk;ksx] jk;iqj] egkizca/kd Hkkjrh; LVsV cSad fo:) jax cgknqj flag Fkkik] vihy dza- FA/13/62 vkns'k fnukad 26-12-2013- bl jkT; vk;ksx }kjk bl izdj.k esa ;g fu"d"kZ fn;k x;k Fkk fd%& ^^ifjoknh }kjk lE;d ltxrk o lko/kkuh ugha cjrh xbZ u gh mldh iRuh }kjk fiu dh xksiuh;rk ds egRo dks le>k x;kA vr% Lo;a vius gh d`R; }kjk cSad [kkrs dh lqj{kk dks Hkax fd;k x;k] mlds fy;s Lo;a ifjoknh mRrjnk;h gSA gekjs er esa vihykFkhZ cSad }kjk ifjoknh ds izfr lsok esa fuEurk ugha dh xbZ gSA** 7- mRrjoknh ds fo}ku vf/koDrk }kjk eq[;r% ;g rdZ fd;k x;k fd ifjoknh@mRrjoknh us viuk [kkrk vuQzht djus ds ckn 'kk[kk cSad ds ikl gh fLFkr ,Vh,e esa tkdj xksiuh; fiu cnyus dk iz;kl fd;k Fkk] ijarq ,Vh,e dk lapkyu ugha gks ldk FkkA rc cSad dks bl laca/k esa lwpuk fn;s tkus ij cSad us Lo;a ,Vh,e fiu ugha cnyk ,oa ifjoknh@mRrjoknh ls dgk fd ia- jfo'kadj 'kqDy uxj esa fLFkr ,Vh,e esa tkdj viuk fiu cny yksA bl izdkj vukosnd@vihykFkhZ cSad }kjk ,Vh,e dk fiu ugha cnyk x;k] D;ksafd ifjoknh@mRrjoknh ls utnhd fLFkr ,Vh,e ls fiu ugha cnyk tk ldk Fkk rks nwljs ,Vh,e ls fiu dSls cnyk tkrk bl izdkj vukosnd@vihykFkhZ cSad }kjk xksiuh; fiu cnyus esa dksbZ Hkh lgk;rk iznku ugha dh xbZA cSad }kjk lsok esa fuEurk dh xbZ gS o cSad ds deZpkfj;ksa }kjk gh ifjoknh ds [kkrs ls jkf'k vkgfjr dh xbZ FkhA ftyk Qksje }kjk ikfjr vkns'k mfpr o U;k;laxr gS] vihy fujLr fd;s tkus dh izkFkZuk dh xbZA // 8 // 8- izdj.k esa ;g Lohd`r rF; gS fd ifjoknh@mRrjoknh dk fnukad 19-04-2014 dks mldk cpr [kkrk vkoklh; irk izek.k fn;s tkus ds i'pkr~ gh vuQzht gqvk Fkk ,oa ;g Hkh Lohd`r rF; gS fd vukosnd@vihykFkhZ cSad }kjk ifjoknh@mRrjoknh dks ,Vh,e dk xksiuh; fiu cnyus dk funsZ'k fn;k x;k FkkA ;g ,d loZfofnr rF; gS fd ,Vh,e dk ikloMZ dh xksiuh;rk cuk;s j[kus dh ftEesnkjh ,Vh,e dkMZ izkIr djus ds ckn dkMZ/kkjh dh gksrh gSA xksiuh;rk Hkax fd;s tkus ij fdlh Hkh vkgj.k laca/kh vizR;kf'kr ?kVuk dh tokcnkjh dkMZ/kkjh dh gh gksrh gSA ifjoknh@mRrjoknh }kjk ;g Lohdkj fd;k x;k gS fd fnukad 29-04-2014 dks tc mldk [kkrk vuQzht fd;k x;k Fkk ,oa cSad }kjk xksiuh; fiu uacj cnyus ds funsZ'k fn;s x;s Fks] ijarq mlds }kjk ,Vh,e dkMZ dk fiu uacj cnyk ugha tk ldk FkkA bl rF; ds leFkZu esa ifjoknh@mRrjoknh }kjk lat; pkSgku tks fd ,Vh,e cSad vkWQ bafM;k eq[; 'kk[kk dksjck dk lqj{kk xkMZ gS dk 'kiFk i= izLrqr fd;k gSA ftlus vius 'kiFk i= dafMdk 2 esa fuEukuqlkj dFku fd;k gS fd%& ^^2- ;g fd] fnukad 25@04@2014 dks _f"kjkt flag 'kk[kk izca/kd ds ikl vk;s Fks rFkk cSad izca/kd us _f"kjkt flag dks dgk x;k gS mudk [kkrk Qzht gS rFkk mlds mijkar 'kk[kk izca/kd us _f"kjkt flag iqu% ,Msªl izqQ ds lkFk cSad vkus dks dgk x;k rFkk _f"kjkt flag 29@04@2014 dks ,Msªl ds lkFk 'kk[kk vk;s Fks ,oa vius [kkrs dks vuQzht djk;s Fks ,oa ,0Vh0,e esa viuk xksiuh; fiu dksM cnyus dk iz;kl dj jgs Fks vkSj fiu dksM ugha cny jgk Fkk rc og czkap eSustj ls Hkh bl laca/k esa crk;s Fks rc bUgs czkap eSustj }kjk dgk x;k fd vki jfo 'kadj 'kqDy uxj ls viuk ,-Vh-,e fiu dksM cnyus dk iz;kl dj yks rc _f"kjkt flag ls ;g Hkh dgk fd eq[; 'kk[kk ds ,Vh,e ls fiu dksMZ ugha // 9 // cny jgk gS rks fQj jfo 'kadj 'kqDy uxj ds ,Vh,e ls dSls cnysxkA** bl izdkj ifjoknh@mRrjoknh }kjk okLro esa vius ,Vh,e dkMZ ds xksiuh; fiu dks cnyus dk iz;kl fd;k x;k Fkk] ijarq cny ugha ldk Fkk] rc ,slh fLFkfr esa mls ,Vh,e dkMZ dks rqjar gh jn~n djok nsuk FkkA bl gsrq vukosnd@vihykFkhZ cSad esa rqjar gh vkosnu nsdj u;k ,Vh,e dkMZ izkIr dj ysuk FkkA ifjoknh@mRrjoknh }kjk vius ifjokn i= esa ;g vfHkdFku fd;k gS fd fdlh vKkr O;fDr }kjk tks Lo;a dks cSad vkWQ bafM;k dk crk jgk Fkk dks nksckjk Qksu djus ds iwoZ cSad esa gh Qksu djds iwNuk Fkk fd ^^D;k okLro esa cSad ls ,Vh,e dkMZ ds uacj ds laca/k esa tkudkjh ekaxh tk jgh gSA** ftl cSad }kjk ,Vh,e dkMZ iznku fd;k tk jgk gS o mlds iz;ksx gsrq vius xzkgd dks xksiuh; ikloMZ Hkh iznku fd;k tk jgk gS ,slh fLFkfr esa cSad }kjk Lo;a Qksu djds fdlh Hkh xzkgd ls mldk xksiuh; ikloMZ D;ksadj ekaxk tkosxkA D;ksafd cSad }kjk gh ;g funsZ'k fn;k tkrk gS fd mDr xksiuh; fiu vius ifjtuksa ,oa cSad deZpkfj;ksa dks Hkh iznku ugha dh tkuh gSA bl izdkj ifjoknh@mRrjoknh }kjk Lo;a igyh ckj mis{kk dh xbZ tc mlus fdlh vUtku O;fDr dks vius ,Vh,e dkMZ dk xksiuh; fiu iznku fd;k ,oa mlds i'pkr~ ifjoknh@mRrjoknh }kjk nwljh xyrh rc dh xbZ tc cSad }kjk mls xksiuh; fiu cnyus dk funsZ'k fn;k x;k o bl rF; dk [kaMu fd;k x;k fd ^^cSad }kjk fdlh Hkh feJk us Qksu djds xksiuh; fiu dh tkudkjh ugh yh FkhA** rc ifjoknh@mRrjoknh us xksiuh; cnyus dk ,d iz;kl fd;k tks foQy jgk] rc mls ,Vh,e dkMZ jn~n djokus gsrq cSad esa vkosnu nsuk Fkk] ijarq ,slk ugha fd;k x;kA ifjoknh@mRrjoknh }kjk xksiuh; fiu cnyus gsrq nwljs ,Vh,e tkdj iz;kl Hkh ugha fd;k x;k ,oa u gh ,Vh,e dkMZ jn~n djus gsrq cSad esa vkosnu fn;k x;kA ifjoknh@mRrjoknh us ek= bruk gh vfHkdFku fd;k gS fd mlus viuk // 10 // xksiuh; fiu cnyus dk iz;kl djus ds i'pkr~ cSad esa lwfpr fd;k fd ^^,Vh,e lapkfyr ugha gks jgk gS** ]rc nwljs ,Vh,e ls xksiuh; fiu cnyus dk cSad izca/kd }kjk funsZ'k fn;s tkus ij ifjoknh@mRrjoknh }kjk ek= ;g dgk x;k fd ^^;gka ds ,Vh,e ls ugha cny jgk gS rks vU; ,Vh,e jfo'kadj uxj ,Vh,e ls dSls cnysxkA** ijarq ifjoknh@mRrjoknh }kjk cSad izca/kd dks xksiuh; fiu cnyus ;k ,Vh,e dkMZ jn~n djus ds ekSf[kd funsZ'k Hkh ugha fn;s Fks] ifjoknh@mRrjoknh ogkWa ls pyk x;k FkkA gekjs erkuqlkj ftyk Qksje }kjk ;g fu"d"kZ fudkydj fd vukosnd@vihykFkhZ cSad }kjk lsok esa fuEurk o O;kolkf;d nqjkpj.k fd;k x;k gS] fof/kd =qfV dh gS ifjoknh@mRrjoknh }kjk Lo;a ds mis{kkiw.kZ d`R;ksa o xyfr;ksa ds dkj.k mls vkfFkZd gkfu gqbZ gS vukosnd@vihykFkhZ cSad }kjk mlds lkFk lsok esa fuEurk ugha dh xbZ gS viuh vkfFkZd {kfr ds fy;s ifjoknh@mRrjoknh Lo;a ftEesnkj gSA 9- mijksDrkuqlkj izdj.k ds rF;ksa ij fopkj&foe'kZ djus ds mijkar o nLrkostksa ds ifj'khyu i'pkr~ ge bl fu"d"kZ ij igaqprs gS fd vihykFkhZ }kjk izLrqr vihy Lohdkj fd;s tkus ;ksX; gS vr% Lohdkj dh tkrh gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkrk gSA vihy O;; ds laca/k esa dksbZ vkns'k ugha fd;k tk jgk gSA ¼U;k;ewfrZ vkj-,l- "kekkZ½ ¼fguk BDdj½ ¼Mh-ds-iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL;k lnL; lnL;
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