{"id":268096,"date":"2024-02-29T02:17:30","date_gmt":"2024-02-29T02:17:30","guid":{"rendered":"https:\/\/www.paymeindia.in\/blog\/?p=268096"},"modified":"2025-02-14T07:46:32","modified_gmt":"2025-02-14T07:46:32","slug":"cash-reserve-ratio-crr","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/","title":{"rendered":"\u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (\u0938\u0940\u0906\u0930\u0906\u0930) &#8211; \u0935\u094d\u092f\u093e\u0916\u094d\u092f\u093e, \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0926\u0930, \u0914\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0930 \u092a\u094d\u0930\u092d\u093e\u0935 (2024)"},"content":{"rendered":"<p>\u0938\u0940\u0906\u0930\u0906\u0930 \u0915\u093e \u092e\u0924\u0932\u092c \u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (Cash Reserve Ratio) \u0939\u0948, \u0914\u0930 \u092f\u0939 \u0915\u093f\u0938\u0940 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0915\u0941\u0932 \u091c\u092e\u093e \u0915\u093e \u0935\u0939 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u0948 \u091c\u093f\u0938\u0947 \u091c\u094b\u0916\u093f\u092e-\u092e\u0941\u0915\u094d\u0924 \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u0915\u0926\u0940 \u092e\u0947\u0902 \u0930\u0916\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0906\u0930\u092c\u0940\u0906\u0908 \u0938\u0940\u0906\u0930\u0906\u0930 \u0924\u092f \u0915\u0930\u0924\u093e \u0939\u0948, \u0914\u0930 \u092f\u0939 \u0927\u0928\u0930\u093e\u0936\u093f \u0915\u0940 \u0935\u0939 \u0930\u093e\u0936\u093f \u0939\u0948 \u091c\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0924\u0930\u0932\u0924\u093e \u0938\u0902\u0915\u091f \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u091c\u092e\u093e \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u092c\u0948\u0902\u0915 \u0907\u0938 \u0930\u093e\u0936\u093f \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0947, \u0928 \u0939\u0940 \u0909\u0928\u094d\u0939\u0947\u0902 \u0906\u0930\u092c\u0940\u0906\u0908 \u0938\u0947 \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0939\u092e\u0928\u0947 \u0938\u0940\u0906\u0930\u0906\u0930, \u0938\u0940\u0906\u0930\u0906\u0930 \u0915\u093e \u092a\u0942\u0930\u093e \u0930\u0942\u092a \u0914\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0930 \u0907\u0938\u0915\u0947 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0930 \u091a\u0930\u094d\u091a\u093e \u0915\u0940 \u0939\u0948\u0964<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u0928\u0915\u0926\u00a0\u0906\u0930\u0915\u094d\u0937\u093f\u0924\u00a0\u0905\u0928\u0941\u092a\u093e\u0924\u00a0\u0915\u094d\u092f\u093e\u00a0\u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%af-%e0%a4%95%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u0928\u0915\u0926\u00a0\u0906\u0930\u0915\u094d\u0937\u093f\u0924\u00a0\u0905\u0928\u0941\u092a\u093e\u0924\u00a0\u0915\u0948\u0938\u0947\u00a0\u0915\u093e\u0930\u094d\u092f\u00a0\u0915\u0930\u0924\u093e\u00a0\u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%95%e0%a4%bf%e0%a4%b8%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%ac%e0%a4%a8%e0%a4%be%e0%a4%8f-%e0%a4%b0%e0%a4%96%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a5%8b%e0%a4%82-%e0%a4%ae%e0%a4%b9%e0%a4%a4%e0%a5%8d%e0%a4%b5%e0%a4%aa%e0%a5%82%e0%a4%b0%e0%a5%8d%e0%a4%a3-%e0%a4%b9%e0%a5%88\" >\u0915\u093f\u0938\u0940\u00a0\u092c\u0948\u0902\u0915\u00a0\u0915\u0947\u00a0\u0932\u093f\u090f\u00a0\u0928\u0915\u0926\u00a0\u0906\u0930\u0915\u094d\u0937\u093f\u0924\u00a0\u0905\u0928\u0941\u092a\u093e\u0924\u00a0(\u0938\u0940\u0906\u0930\u0906\u0930)\u00a0\u092c\u0928\u093e\u090f\u00a0\u0930\u0916\u0928\u093e\u00a0\u0915\u094d\u092f\u094b\u0902\u00a0\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923\u00a0\u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%b5%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a4%ae%e0%a4%be%e0%a4%a8-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%a6%e0%a4%b0-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88-2024\" >\u092d\u093e\u0930\u0924\u00a0\u092e\u0947\u0902\u00a0\u0935\u0930\u094d\u0924\u092e\u093e\u0928\u00a0\u0938\u0940\u0906\u0930\u0906\u0930\u00a0\u0926\u0930\u00a0\u0915\u094d\u092f\u093e\u00a0\u0939\u0948? (2024)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%b5%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a4%ae%e0%a4%be%e0%a4%a8-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%85%e0%a4%b0%e0%a5%8d%e0%a4%a5%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%b5%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%be-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%87%e0%a4%b8%e0%a4%95%e0%a5%80-%e0%a4%ad%e0%a5%82%e0%a4%ae%e0%a4%bf%e0%a4%95%e0%a4%be\" >\u092d\u093e\u0930\u0924\u00a0\u092e\u0947\u0902\u00a0\u0935\u0930\u094d\u0924\u092e\u093e\u0928\u00a0\u0938\u0940\u0906\u0930\u0906\u0930\u00a0\u0914\u0930\u00a0\u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e\u00a0\u092e\u0947\u0902\u00a0\u0907\u0938\u0915\u0940\u00a0\u092d\u0942\u092e\u093f\u0915\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%b8%e0%a5%80%e0%a4%a7%e0%a4%be-%e0%a4%b8%e0%a4%b9%e0%a4%b8%e0%a4%82%e0%a4%ac%e0%a4%82%e0%a4%a7-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%89%e0%a4%a7%e0%a4%be%e0%a4%b0-%e0%a4%a6%e0%a4%b0%e0%a5%87%e0%a4%82\" >\u0938\u0940\u0927\u093e\u00a0\u0938\u0939\u0938\u0902\u092c\u0902\u0927:\u00a0\u0938\u0940\u0906\u0930\u0906\u0930\u00a0\u0914\u0930\u00a0\u0909\u0927\u093e\u0930\u00a0\u0926\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a5%8b%e0%a4%82-%e0%a4%ae%e0%a4%b9%e0%a4%a4%e0%a5%8d%e0%a4%b5%e0%a4%aa%e0%a5%82%e0%a4%b0%e0%a5%8d%e0%a4%a3-%e0%a4%b9%e0%a5%88\" >\u092c\u0948\u0902\u0915\u094b\u0902\u00a0\u0915\u0947\u00a0\u0932\u093f\u090f\u00a0\u0928\u0915\u0926\u00a0\u0906\u0930\u0915\u094d\u0937\u093f\u0924\u00a0\u0905\u0928\u0941\u092a\u093e\u0924\u00a0(\u0938\u0940\u0906\u0930\u0906\u0930)\u00a0\u0915\u094d\u092f\u094b\u0902\u00a0\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923\u00a0\u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%9c%e0%a4%ae%e0%a4%be%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a4%be%e0%a4%93%e0%a4%82-%e0%a4%95%e0%a5%8b-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5%e0%a4%bf%e0%a4%a4-%e0%a4%95%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u0928\u0915\u0926\u00a0\u0906\u0930\u0915\u094d\u0937\u093f\u0924\u00a0\u0905\u0928\u0941\u092a\u093e\u0924\u00a0(\u0938\u0940\u0906\u0930\u0906\u0930)\u00a0\u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902\u00a0\u0915\u094b\u00a0\u0915\u0948\u0938\u0947\u00a0\u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924\u00a0\u0915\u0930\u0924\u093e\u00a0\u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%ab%e0%a5%89%e0%a4%b0%e0%a5%8d%e0%a4%ae%e0%a5%82%e0%a4%b2%e0%a4%be\" >\u0928\u0915\u0926\u00a0\u0906\u0930\u0915\u094d\u0937\u093f\u0924\u00a0\u0905\u0928\u0941\u092a\u093e\u0924\u00a0\u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%80-%e0%a4%97%e0%a4%a3%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >\u0928\u0915\u0926\u00a0\u0906\u0930\u0915\u094d\u0937\u093f\u0924\u00a0\u0905\u0928\u0941\u092a\u093e\u0924\u00a0(\u0938\u0940\u0906\u0930\u0906\u0930)\u00a0\u0915\u0940\u00a0\u0917\u0923\u0928\u093e\u00a0\u0915\u0948\u0938\u0947\u00a0\u0915\u0930\u0947\u0902?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%b5%e0%a4%be%e0%a4%a3%e0%a4%bf%e0%a4%9c%e0%a5%8d%e0%a4%af%e0%a4%bf%e0%a4%95-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a5%8b%e0%a4%82-%e0%a4%aa%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%82%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a3-%e0%a4%86%e0%a4%b0%e0%a4%ac%e0%a5%80%e0%a4%86%e0%a4%88-%e0%a4%a6%e0%a5%8d%e0%a4%b5%e0%a4%be%e0%a4%b0%e0%a4%be-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a4%be-%e0%a4%89%e0%a4%aa%e0%a4%af%e0%a5%8b%e0%a4%97\" >\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915\u00a0\u092c\u0948\u0902\u0915\u094b\u0902\u00a0\u092a\u0930\u00a0\u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923:\u00a0\u0906\u0930\u092c\u0940\u0906\u0908\u00a0\u0926\u094d\u0935\u093e\u0930\u093e\u00a0\u0938\u0940\u0906\u0930\u0906\u0930\u00a0\u0915\u093e\u00a0\u0909\u092a\u092f\u094b\u0917<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%ac%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%9c-%e0%a4%a6%e0%a4%b0%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%87-%e0%a4%ac%e0%a5%80%e0%a4%9a-%e0%a4%b8%e0%a4%b9%e0%a4%9c%e0%a5%80%e0%a4%b5%e0%a5%80-%e0%a4%b8%e0%a4%82%e0%a4%ac%e0%a4%82%e0%a4%a7\" >\u0938\u0940\u0906\u0930\u0906\u0930\u00a0\u0914\u0930\u00a0\u092c\u094d\u092f\u093e\u091c\u00a0\u0926\u0930\u094b\u0902\u00a0\u0915\u0947\u00a0\u092c\u0940\u091a\u00a0\u0938\u0939\u091c\u0940\u0935\u0940\u00a0\u0938\u0902\u092c\u0902\u0927<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%aa%e0%a4%b0-%e0%a4%ac%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%9c-%e0%a4%a6%e0%a4%b0-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%89%e0%a4%a4%e0%a4%be%e0%a4%b0%e2%80%93%e0%a4%9a%e0%a4%a2%e0%a4%bc%e0%a4%be%e0%a4%b5-%e0%a4%95%e0%a4%be-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5\" >\u0938\u0940\u0906\u0930\u0906\u0930\u00a0\u092a\u0930\u00a0\u092c\u094d\u092f\u093e\u091c\u00a0\u0926\u0930\u00a0\u092e\u0947\u0902\u00a0\u0909\u0924\u093e\u0930&#8211;\u091a\u0922\u093c\u093e\u0935\u00a0\u0915\u093e\u00a0\u092a\u094d\u0930\u092d\u093e\u0935<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%b7\" >\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/cash-reserve-ratio-crr\/#%e0%a4%85%e0%a4%95%e0%a5%8d%e0%a4%b8%e0%a4%b0-%e0%a4%aa%e0%a5%82%e0%a4%9b%e0%a5%87-%e0%a4%9c%e0%a4%be%e0%a4%a8%e0%a5%87-%e0%a4%b5%e0%a4%be%e0%a4%b2%e0%a5%87-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%b6%e0%a5%8d%e0%a4%a8\" >\u0905\u0915\u094d\u0938\u0930\u00a0\u092a\u0942\u091b\u0947\u00a0\u091c\u093e\u0928\u0947\u00a0\u0935\u093e\u0932\u0947\u00a0\u092a\u094d\u0930\u0936\u094d\u0928<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b>\u00a0<b>\u0915\u094d\u092f\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0938\u0940\u0906\u0930\u0906\u0930, \u092f\u093e &#8220;\u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924&#8221;, \u090f\u0915 \u092e\u094c\u0932\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0909\u092a\u0915\u0930\u0923 \u0939\u0948 \u091c\u094b \u092c\u0948\u0902\u0915 \u0915\u0940 \u0915\u0941\u0932 \u091c\u092e\u093e \u0915\u093e \u0935\u0939 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948 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id=\"%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%af-%e0%a4%95%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b>\u00a0<b>\u0915\u0948\u0938\u0947<\/b>\u00a0<b>\u0915\u093e\u0930\u094d\u092f<\/b>\u00a0<b>\u0915\u0930\u0924\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (\u0938\u0940\u0906\u0930\u0906\u0930) \u0915\u0947 \u0924\u0902\u0924\u094d\u0930 \u092e\u0947\u0902 \u090f\u0915 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u094b \u0906\u0930\u0915\u094d\u0937\u093f\u0924 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id=\"%e0%a4%95%e0%a4%bf%e0%a4%b8%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%ac%e0%a4%a8%e0%a4%be%e0%a4%8f-%e0%a4%b0%e0%a4%96%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a5%8b%e0%a4%82-%e0%a4%ae%e0%a4%b9%e0%a4%a4%e0%a5%8d%e0%a4%b5%e0%a4%aa%e0%a5%82%e0%a4%b0%e0%a5%8d%e0%a4%a3-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0915\u093f\u0938\u0940<\/b>\u00a0<b>\u092c\u0948\u0902\u0915<\/b>\u00a0<b>\u0915\u0947<\/b>\u00a0<b>\u0932\u093f\u090f<\/b>\u00a0<b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b><b>\u00a0(<\/b><b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b><b>)\u00a0<\/b><b>\u092c\u0928\u093e\u090f<\/b>\u00a0<b>\u0930\u0916\u0928\u093e<\/b>\u00a0<b>\u0915\u094d\u092f\u094b\u0902<\/b>\u00a0<b>\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (\u0938\u0940\u0906\u0930\u0906\u0930) \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u0928\u093f\u092f\u093e\u092e\u0915 \u0909\u092a\u0915\u0930\u0923 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 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id=\"%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%b5%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a4%ae%e0%a4%be%e0%a4%a8-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%a6%e0%a4%b0-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88-2024\"><\/span><b>\u092d\u093e\u0930\u0924<\/b>\u00a0<b>\u092e\u0947\u0902<\/b>\u00a0<b>\u0935\u0930\u094d\u0924\u092e\u093e\u0928<\/b>\u00a0<b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b>\u00a0<b>\u0926\u0930<\/b>\u00a0<b>\u0915\u094d\u092f\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>? (2024)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\">\u092d\u093e\u0930\u0924\u00a0\u092e\u0947\u0902\u00a0\u0935\u0930\u094d\u0924\u092e\u093e\u0928\u00a0\u0938\u0940\u0906\u0930\u0906\u0930\u00a0\u0926\u0930\u00a04.5%\u00a0\u0939\u0948\u0964<\/p>\n<h2><span class=\"ez-toc-section\" 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id=\"%e0%a4%b8%e0%a5%80%e0%a4%a7%e0%a4%be-%e0%a4%b8%e0%a4%b9%e0%a4%b8%e0%a4%82%e0%a4%ac%e0%a4%82%e0%a4%a7-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%89%e0%a4%a7%e0%a4%be%e0%a4%b0-%e0%a4%a6%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>\u0938\u0940\u0927\u093e<\/b>\u00a0<b>\u0938\u0939\u0938\u0902\u092c\u0902\u0927<\/b><b>:\u00a0<\/b><b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b>\u00a0<b>\u0914\u0930<\/b>\u00a0<b>\u0909\u0927\u093e\u0930<\/b>\u00a0<b>\u0926\u0930\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0938\u0940\u0906\u0930\u0906\u0930 \u0914\u0930 \u0909\u0927\u093e\u0930 \u0926\u0930\u0947\u0902 \u090f\u0915 \u0938\u0940\u0927\u093e \u0938\u0902\u092c\u0902\u0927 \u0938\u093e\u091d\u093e \u0915\u0930\u0924\u0940 \u0939\u0948\u0902 \u091c\u094b \u0915\u093f\u0938\u0940 \u0926\u0947\u0936 \u0915\u0940 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f \u092a\u0930 \u0915\u093e\u092e \u0915\u0930\u0924\u0940 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id=\"%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a5%8b%e0%a4%82-%e0%a4%ae%e0%a4%b9%e0%a4%a4%e0%a5%8d%e0%a4%b5%e0%a4%aa%e0%a5%82%e0%a4%b0%e0%a5%8d%e0%a4%a3-%e0%a4%b9%e0%a5%88\"><\/span><b>\u092c\u0948\u0902\u0915\u094b\u0902<\/b>\u00a0<b>\u0915\u0947<\/b>\u00a0<b>\u0932\u093f\u090f<\/b>\u00a0<b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b><b>\u00a0(<\/b><b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b><b>)\u00a0<\/b><b>\u0915\u094d\u092f\u094b\u0902<\/b>\u00a0<b>\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0924\u0930\u0932\u0924\u093e \u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u091c\u092e\u093e \u0930\u093e\u0936\u093f \u0915\u093e \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0916\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0928\u0947 \u0938\u0947 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f \u0927\u0928 \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u0932\u092c\u094d\u0927 \u0928\u0939\u0940\u0902 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0924\u0930\u0932\u0924\u093e \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f \u0915\u094b \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u093f\u092f\u093e \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u093e \u090f\u0915 \u0909\u092a\u0915\u0930\u0923 \u0939\u0948\u0964 \u0938\u0940\u0906\u0930\u0906\u0930 \u092e\u0947\u0902 \u0938\u092e\u093e\u092f\u094b\u091c\u0928 \u092e\u0941\u0926\u094d\u0930\u093e\u0938\u094d\u092b\u0940\u0924\u093f \u0914\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u092e\u0941\u0926\u094d\u0930\u093e \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u090b\u0923 \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u092f\u093e \u0938\u0902\u0915\u0941\u091a\u0928 \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0938\u092e\u0917\u094d\u0930 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0914\u0930 \u0932\u091a\u0940\u0932\u0947\u092a\u0928 \u0915\u094b \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0909\u092a\u0915\u0930\u0923 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0940 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u091c\u094b\u0916\u093f\u092e \u0932\u0947\u0928\u0947 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u090f\u0915 \u0938\u094d\u0925\u093f\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u093e\u0924\u093e\u0935\u0930\u0923 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0924\u0940 \u0939\u0948\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u0932\u092c\u094d\u0927 \u0927\u0928\u0930\u093e\u0936\u093f \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0915\u0947 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0909\u091a\u094d\u091a \u0938\u0940\u0906\u0930\u0906\u0930 \u0924\u0930\u0932\u0924\u093e \u0915\u094b \u0915\u092e\u091c\u094b\u0930 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902, \u091c\u092c\u0915\u093f \u0915\u092e \u0938\u0940\u0906\u0930\u0906\u0930 \u0915\u0947 \u092a\u0930\u093f\u0923\u093e\u092e\u0938\u094d\u0935\u0930\u0942\u092a \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0915\u094b \u092a\u094d\u0930\u094b\u0924\u094d\u0938\u093e\u0939\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%9c%e0%a4%ae%e0%a4%be%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a4%be%e0%a4%93%e0%a4%82-%e0%a4%95%e0%a5%8b-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5%e0%a4%bf%e0%a4%a4-%e0%a4%95%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b><b>\u00a0(<\/b><b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b><b>)\u00a0<\/b><b>\u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902<\/b>\u00a0<b>\u0915\u094b<\/b>\u00a0<b>\u0915\u0948\u0938\u0947<\/b>\u00a0<b>\u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924<\/b>\u00a0<b>\u0915\u0930\u0924\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 \u092c\u0948\u0902\u0915 \u0915\u0940 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0914\u0930 \u091c\u092e\u093e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0915\u0947 \u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u0938\u0940\u0906\u0930\u0906\u0930 \u092c\u0922\u093c\u093e\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u091c\u092e\u093e \u0915\u093e \u090f\u0915 \u092c\u0921\u093c\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0930\u093f\u091c\u0930\u094d\u0935 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0930\u0916\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u0940 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0938\u0940\u092e\u093f\u0924 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u0915\u093e\u0930\u0923 \u092f\u0939 \u0939\u0948 \u0915\u093f \u0907\u0938\u0938\u0947 \u091c\u092e\u093e \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0915\u0941\u0932 \u0915\u092e\u093e\u0908 \u092a\u0930 \u0905\u0938\u0930 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u092e \u0938\u0940\u0906\u0930\u0906\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u0927\u093f\u0915 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u091c\u092e\u093e \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0905\u0927\u093f\u0915 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%ab%e0%a5%89%e0%a4%b0%e0%a5%8d%e0%a4%ae%e0%a5%82%e0%a4%b2%e0%a4%be\"><\/span><b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b>\u00a0<b>\u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0915\u094b\u0908 \u0928\u0940\u091a\u0947 \u0926\u093f\u090f \u0917\u090f \u0938\u094d\u0925\u093e\u0928 \u092e\u0947\u0902 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0942\u0924\u094d\u0930 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<p><b>\u0938\u0940\u0906\u0930\u0906\u0930 = (\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0915\u0941\u0932 \u092e\u093e\u0902\u0917 \u0914\u0930 \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e) \/ (\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u0930\u0916\u0947 \u0917\u090f \u0915\u0941\u0932 \u092d\u0902\u0921\u093e\u0930) \u00d7 100\u00a0<\/b><\/p>\n<p><b>\u0907\u0938 \u0938\u0942\u0924\u094d\u0930 \u092e\u0947\u0902:\u00a0<\/b><\/p>\n<ul>\n<li>\u0938\u0940\u0906\u0930\u0906\u0930 \u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u0928\u093f\u0927\u093f\u0924\u094d\u0935 \u0915\u0930\u0924\u093e \u0939\u0948,<\/li>\n<li>&#8220;\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0930\u0916\u0947 \u0917\u090f \u0915\u0941\u0932 \u092d\u0902\u0921\u093e\u0930&#8221; \u0938\u0947 \u0924\u093e\u0924\u094d\u092a\u0930\u094d\u092f \u0909\u0938 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u093e\u0936\u093f \u0915\u0940 \u0915\u0941\u0932 \u0930\u093e\u0936\u093f \u0938\u0947 \u0939\u0948 \u091c\u093f\u0938\u0947 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<\/li>\n<li>&#8220;\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0915\u0941\u0932 \u092e\u093e\u0902\u0917 \u0914\u0930 \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e&#8221; \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0930\u0916\u0940 \u0917\u0908 \u092e\u093e\u0902\u0917 \u091c\u092e\u093e \u0914\u0930 \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e \u0915\u0947 \u092f\u094b\u0917 \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u0928\u093f\u0927\u093f\u0924\u094d\u0935 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<p>\u0938\u0940\u0906\u0930\u0906\u0930 \u0915\u094b \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u094d\u092f\u0915\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u093f\u0923\u093e\u092e \u0915\u094b 100 \u0938\u0947 \u0917\u0941\u0923\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0905\u0928\u0941\u092a\u093e\u0924 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0924\u0930\u0932\u0924\u093e \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u093f\u092f\u093e \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u093e \u090f\u0915 \u092a\u094d\u0930\u092e\u0941\u0916 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f \u0909\u092a\u0915\u0930\u0923 \u0939\u0948\u0964<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%a8%e0%a4%95%e0%a4%a6-%e0%a4%86%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%bf%e0%a4%a4-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%aa%e0%a4%be%e0%a4%a4-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%80-%e0%a4%97%e0%a4%a3%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b><b>\u00a0(<\/b><b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b><b>)\u00a0<\/b><b>\u0915\u0940<\/b>\u00a0<b>\u0917\u0923\u0928\u093e<\/b>\u00a0<b>\u0915\u0948\u0938\u0947<\/b>\u00a0<b>\u0915\u0930\u0947\u0902<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0928\u0915\u0926<\/span>\u00a0<span style=\"font-weight: 400;\">\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/span>\u00a0<span style=\"font-weight: 400;\">\u0905\u0928\u0941\u092a\u093e\u0924<\/span><span style=\"font-weight: 400;\">\u00a0(<\/span><span style=\"font-weight: 400;\">\u0938\u0940\u0906\u0930\u0906\u0930<\/span><span style=\"font-weight: 400;\">)\u00a0<\/span><span style=\"font-weight: 400;\">\u0915\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0917\u0923\u0928\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0928\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0932\u093f\u090f<\/span><span style=\"font-weight: 400;\">,\u00a0<\/span><span style=\"font-weight: 400;\">\u0906\u092a<\/span>\u00a0<span style=\"font-weight: 400;\">\u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924<\/span>\u00a0<span style=\"font-weight: 400;\">\u0938\u0942\u0924\u094d\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0909\u092a\u092f\u094b\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0947\u0902\u0917\u0947<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0938\u0940\u0906\u0930\u0906\u0930<\/span><span style=\"font-weight: 400;\">\u00a0= (<\/span><span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u092a\u094d\u0930\u0923\u093e\u0932\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0941\u0932<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u093e\u0902\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u0914\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u0938\u093e\u0935\u0927\u093f<\/span>\u00a0<span style=\"font-weight: 400;\">\u091c\u092e\u093e<\/span><span style=\"font-weight: 400;\">) \/ (<\/span><span style=\"font-weight: 400;\">\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915\u094b\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0926\u094d\u0935\u093e\u0930\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0930\u0916\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0917\u090f<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0941\u0932<\/span>\u00a0<span style=\"font-weight: 400;\">\u0930\u093f\u091c\u0930\u094d\u0935<\/span><span style=\"font-weight: 400;\">) \u00d7 100<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0938\u0940\u0906\u0930\u0906\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0917\u0923\u0928\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0928\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0932\u093f\u090f<\/span>\u00a0<span style=\"font-weight: 400;\">\u091a\u0930\u0923<\/span><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u0926\u0930<\/span><span style=\"font-weight: 400;\">&#8211;<\/span><span style=\"font-weight: 400;\">\u091a\u0930\u0923<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u093f\u0915\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u092f\u0939\u093e\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0926\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0917\u0908<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u0948<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0930\u0916\u0947 \u0917\u090f \u0915\u0941\u0932 \u0930\u093f\u091c\u0930\u094d\u0935 \u0915\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u0923 \u0915\u0930\u0947\u0902\u0964 \u0907\u0938\u092e\u0947\u0902 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0928\u093f\u0927\u093f \u0915\u0940 \u0915\u0941\u0932 \u0930\u093e\u0936\u093f \u0936\u093e\u092e\u093f\u0932 \u0939\u0948 \u091c\u093f\u0938\u0947 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0909\u0928\u0915\u0940 \u0915\u0941\u0932 \u091c\u092e\u093e \u0930\u093e\u0936\u093f \u0915\u093e \u090f\u0915 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0915\u0941\u0932 \u092e\u093e\u0902\u0917 \u0914\u0930 \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e \u0915\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u0923 \u0915\u0930\u0947\u0902\u0964 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0930\u0916\u0940 \u0917\u0908 \u0915\u0941\u0932 \u092e\u093e\u0902\u0917 \u091c\u092e\u093e (\u091a\u0947\u0915\u093f\u0902\u0917 \u0916\u093e\u0924\u0947) \u0914\u0930 \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e (\u092c\u091a\u0924 \u0916\u093e\u0924\u0947, \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e, \u0906\u0926\u093f) \u0915\u094b \u091c\u094b\u0921\u093c\u0947\u0902\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0932\u093e\u0917\u0942<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<p><b>CRR\u00a0<\/b><b>\u0938\u0942\u0924\u094d\u0930<\/b>\u00a0<b>\u092e\u0947\u0902<\/b>\u00a0<b>\u092e\u093e\u0928\u094b\u0902<\/b>\u00a0<b>\u0915\u094b<\/b>\u00a0<b>\u092a\u094d\u0930\u0924\u093f\u0938\u094d\u0925\u093e\u092a\u093f\u0924<\/b>\u00a0<b>\u0915\u0930\u0947\u0902<\/b><b>:<\/b><\/p>\n<p style=\"padding-left: 40px;\"><b><span style=\"font-weight: 400;\">\u0938\u0940\u0906\u0930\u0906\u0930<\/span><span style=\"font-weight: 400;\">\u00a0= (<\/span><span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u092a\u094d\u0930\u0923\u093e\u0932\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0941\u0932<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u093e\u0902\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u0914\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u0938\u093e\u0935\u0927\u093f<\/span>\u00a0<span style=\"font-weight: 400;\">\u091c\u092e\u093e<\/span><span style=\"font-weight: 400;\">) \/ (<\/span><span style=\"font-weight: 400;\">\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915\u094b\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0926\u094d\u0935\u093e\u0930\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0930\u0916\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0917\u090f<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0941\u0932<\/span>\u00a0<span style=\"font-weight: 400;\">\u0930\u093f\u091c\u0930\u094d\u0935<\/span><span style=\"font-weight: 400;\">) \u00d7 100<\/span><\/b><\/p>\n<p><b>\u0917\u0923\u0928\u093e<\/b>\u00a0<b>\u0914\u0930<\/b>\u00a0<b>\u0935\u094d\u092f\u093e\u0916\u094d\u092f\u093e<\/b>\u00a0<b>\u0915\u0930\u0947\u0902<\/b><b>:<\/b><\/p>\n<p>\u0938\u0940\u0906\u0930\u0906\u0930 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0917\u0923\u0928\u093e \u0915\u0930\u0947\u0902\u0964 \u092f\u0939 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0941\u0932 \u091c\u092e\u093e \u0915\u0947 \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u0947 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0928\u093f\u0927\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0930\u0916\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%be%e0%a4%a3%e0%a4%bf%e0%a4%9c%e0%a5%8d%e0%a4%af%e0%a4%bf%e0%a4%95-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a5%8b%e0%a4%82-%e0%a4%aa%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%82%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a3-%e0%a4%86%e0%a4%b0%e0%a4%ac%e0%a5%80%e0%a4%86%e0%a4%88-%e0%a4%a6%e0%a5%8d%e0%a4%b5%e0%a4%be%e0%a4%b0%e0%a4%be-%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a4%be-%e0%a4%89%e0%a4%aa%e0%a4%af%e0%a5%8b%e0%a4%97\"><\/span><b>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915<\/b>\u00a0<b>\u092c\u0948\u0902\u0915\u094b\u0902<\/b>\u00a0<b>\u092a\u0930<\/b>\u00a0<b>\u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923<\/b><b>:\u00a0<\/b><b>\u0906\u0930\u092c\u0940\u0906\u0908<\/b>\u00a0<b>\u0926\u094d\u0935\u093e\u0930\u093e<\/b>\u00a0<b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b>\u00a0<b>\u0915\u093e<\/b>\u00a0<b>\u0909\u092a\u092f\u094b\u0917<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u0915\u094b \u0938\u092e\u093e\u092f\u094b\u091c\u093f\u0924 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0906\u0930\u092c\u0940\u0906\u0908 \u0915\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0924\u0930\u0932\u0924\u093e \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0909\u091a\u094d\u091a \u0938\u0940\u0906\u0930\u0906\u0930 \u0938\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0927\u0928\u0930\u093e\u0936\u093f \u0928\u093f\u0915\u0932 \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u0930\u0932\u0924\u093e \u0918\u091f\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092e\u0941\u0926\u094d\u0930\u093e\u0938\u094d\u092b\u0940\u0924\u093f \u0915\u0947 \u0926\u092c\u093e\u0935 \u092a\u0930 \u0905\u0902\u0915\u0941\u0936 \u0932\u0917\u0924\u093e \u0939\u0948\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u0914\u0930 \u0906\u0930\u092c\u0940\u0906\u0908 \u092e\u0941\u0926\u094d\u0930\u093e \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0938\u0940\u0906\u0930\u0906\u0930 \u092c\u0922\u093c\u093e\u0928\u0947 \u0938\u0947 \u090b\u0923 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e \u092a\u0930 \u0905\u0938\u0930 \u092a\u0921\u093c\u0924\u093e \u0939\u0948, \u0916\u0930\u094d\u091a \u0914\u0930 \u092e\u093e\u0902\u0917 \u0915\u094b \u0915\u092e \u0915\u0930\u0915\u0947 \u092e\u0941\u0926\u094d\u0930\u093e\u0938\u094d\u092b\u0940\u0924\u093f \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u090f\u0915 \u0907\u0937\u094d\u091f\u0924\u092e \u0938\u0940\u0906\u0930\u0906\u0930 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0914\u0930 \u0905\u091f\u0915\u0932\u094b\u0902 \u092a\u0930 \u0905\u0902\u0915\u0941\u0936 \u0932\u0917\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u0938\u0902\u0924\u0941\u0932\u0928 \u0938\u0947 \u092c\u091a\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0938\u0940\u0906\u0930\u0906\u0930 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f \u0915\u094b \u0938\u092e\u093e\u092f\u094b\u091c\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0909\u092a\u0915\u0930\u0923 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0914\u0930 \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u0938\u092e\u0917\u094d\u0930 \u090b\u0923 \u0938\u094d\u0925\u093f\u0924\u093f\u092f\u093e\u0901 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u0938\u0940\u0906\u0930\u0906\u0930 \u090f\u0915 \u0935\u094d\u092f\u093e\u092a\u0915 \u0935\u093f\u0935\u0947\u0915\u092a\u0942\u0930\u094d\u0923 \u0909\u092a\u0915\u0930\u0923 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u094b \u092a\u094d\u0930\u0923\u093e\u0932\u0940\u0917\u0924 \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0938\u0947 \u092c\u091a\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0928 \u091c\u092e\u093e\u0913\u0902 \u0915\u094b \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0928\u093f\u0927\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0930\u0916\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u093e \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u092c\u0922\u093c\u0947\u0917\u093e \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0915\u091f \u0915\u093e \u091c\u094b\u0916\u093f\u092e \u0915\u092e \u0939\u094b\u0917\u093e\u0964<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%ac%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%9c-%e0%a4%a6%e0%a4%b0%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%87-%e0%a4%ac%e0%a5%80%e0%a4%9a-%e0%a4%b8%e0%a4%b9%e0%a4%9c%e0%a5%80%e0%a4%b5%e0%a5%80-%e0%a4%b8%e0%a4%82%e0%a4%ac%e0%a4%82%e0%a4%a7\"><\/span><b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b>\u00a0<b>\u0914\u0930<\/b>\u00a0<b>\u092c\u094d\u092f\u093e\u091c<\/b>\u00a0<b>\u0926\u0930\u094b\u0902<\/b>\u00a0<b>\u0915\u0947<\/b>\u00a0<b>\u092c\u0940\u091a<\/b>\u00a0<b>\u0938\u0939\u091c\u0940\u0935\u0940<\/b>\u00a0<b>\u0938\u0902\u092c\u0902\u0927<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (\u0938\u0940\u0906\u0930\u0906\u0930) \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0915\u093f\u0938\u0940 \u0926\u0947\u0936 \u0915\u0940 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f \u0915\u0947 \u092d\u0940\u0924\u0930 \u090f\u0915 \u0938\u0939\u091c\u0940\u0935\u0940 \u0938\u0902\u092c\u0902\u0927 \u0938\u093e\u091d\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0938\u0940\u0906\u0930\u0906\u0930 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u091c\u092e\u093e \u0930\u093e\u0936\u093f \u0915\u094b \u0930\u093f\u091c\u0930\u094d\u0935 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0939\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u0938\u092e\u0917\u094d\u0930 \u0927\u0928 \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u0938\u0940\u0906\u0930\u0906\u0930 \u0926\u0930 \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948, \u0924\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u0930\u0932\u0924\u093e \u0938\u0916\u094d\u0924 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u092e \u0938\u0940\u0906\u0930\u0906\u0930 \u0909\u092a\u0932\u092c\u094d\u0927 \u0927\u0928 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0924\u093e \u0939\u0948, \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0914\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0917\u0924\u093f\u0935\u093f\u0927\u093f \u0915\u094b \u092a\u094d\u0930\u094b\u0924\u094d\u0938\u093e\u0939\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b8%e0%a5%80%e0%a4%86%e0%a4%b0%e0%a4%86%e0%a4%b0-%e0%a4%aa%e0%a4%b0-%e0%a4%ac%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%9c-%e0%a4%a6%e0%a4%b0-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%89%e0%a4%a4%e0%a4%be%e0%a4%b0%e2%80%93%e0%a4%9a%e0%a4%a2%e0%a4%bc%e0%a4%be%e0%a4%b5-%e0%a4%95%e0%a4%be-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5\"><\/span><b>\u0938\u0940\u0906\u0930\u0906\u0930<\/b>\u00a0<b>\u092a\u0930<\/b>\u00a0<b>\u092c\u094d\u092f\u093e\u091c<\/b>\u00a0<b>\u0926\u0930<\/b>\u00a0<b>\u092e\u0947\u0902<\/b>\u00a0<b>\u0909\u0924\u093e\u0930<\/b><b>&#8211;<\/b><b>\u091a\u0922\u093c\u093e\u0935<\/b>\u00a0<b>\u0915\u093e<\/b>\u00a0<b>\u092a\u094d\u0930\u092d\u093e\u0935<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092e\u0947\u0902 \u0909\u0924\u093e\u0930-\u091a\u0922\u093c\u093e\u0935 \u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (\u0938\u0940\u0906\u0930\u0906\u0930) \u0915\u0940 \u0917\u0924\u093f\u0936\u0940\u0932\u0924\u093e \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948, \u0924\u094b \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0915\u0940 \u0932\u093e\u0917\u0924 \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u090b\u0923 \u0915\u0940 \u092e\u093e\u0902\u0917 \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0935\u0939\u0940\u0902, \u0938\u0940\u0906\u0930\u0906\u0930 \u092e\u0947\u0902 \u0915\u092e\u0940 \u0938\u0947 \u0909\u0927\u093e\u0930\u0940 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u090b\u0923 \u0915\u0940 \u092e\u093e\u0902\u0917 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u0938\u0940\u0906\u0930\u0906\u0930 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u092f\u0939 \u0938\u0902\u092c\u0902\u0927 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f, \u0924\u0930\u0932\u0924\u093e \u0914\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%b7\"><\/span><b>\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0905\u0902\u0924\u093f\u092e \u0928\u094b\u091f \u092a\u0930, \u0938\u0940\u0906\u0930\u0906\u0930 \u0909\u0928 \u092a\u094d\u0930\u092e\u0941\u0916 \u0909\u092a\u0915\u0930\u0923\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u0939\u0948 \u091c\u093f\u0938\u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0926\u0947\u0936 \u092e\u0947\u0902 \u092e\u0941\u0926\u094d\u0930\u093e\u0938\u094d\u092b\u0940\u0924\u093f \u0914\u0930 \u0924\u0930\u0932\u0924\u093e \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0947 \u0927\u0928 \u0915\u094b \u092a\u093e\u0930\u094d\u0915 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u092f\u0939 \u0924\u0930\u0932\u0924\u093e \u0938\u0902\u0915\u091f \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%85%e0%a4%95%e0%a5%8d%e0%a4%b8%e0%a4%b0-%e0%a4%aa%e0%a5%82%e0%a4%9b%e0%a5%87-%e0%a4%9c%e0%a4%be%e0%a4%a8%e0%a5%87-%e0%a4%b5%e0%a4%be%e0%a4%b2%e0%a5%87-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%b6%e0%a5%8d%e0%a4%a8\"><\/span><b>\u0905\u0915\u094d\u0938\u0930<\/b>\u00a0<b>\u092a\u0942\u091b\u0947<\/b>\u00a0<b>\u091c\u093e\u0928\u0947<\/b>\u00a0<b>\u0935\u093e\u0932\u0947<\/b>\u00a0<b>\u092a\u094d\u0930\u0936\u094d\u0928<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\"><b>CRR\u00a0<\/b><b>\u0914\u0930<\/b><b>\u00a0SLR\u00a0<\/b><b>\u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/b>\u00a0<b>\u0909\u0926\u094d\u092f\u094b\u0917<\/b>\u00a0<b>\u0915\u094b<\/b>\u00a0<b>\u0915\u0948\u0938\u0947<\/b>\u00a0<b>\u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924<\/b>\u00a0<b>\u0915\u0930\u0924\u0947<\/b>\u00a0<b>\u0939\u0948\u0902<\/b><b>?<\/b><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">CRR\u00a0<\/span><span style=\"font-weight: 400;\">\u0926\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u0924\u0930\u0932\u0924\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u094b<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0928\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0926\u0926<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0924\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u0948<\/span><span style=\"font-weight: 400;\">,\u00a0<\/span><span style=\"font-weight: 400;\">\u091c\u092c\u0915\u093f<\/span><span style=\"font-weight: 400;\">\u00a0SLR\u00a0<\/span><span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u0909\u0926\u094d\u092f\u094b\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u090b\u0923<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u0943\u0926\u094d\u0927\u093f<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u094b<\/span>\u00a0<span style=\"font-weight: 400;\">\u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0924\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u0948\u0964<\/span><\/p>\n<p style=\"padding-left: 40px;\"><b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b><b>\u00a0(CRR)\u00a0<\/b><b>\u092c\u0948\u0902\u0915\u094b\u0902<\/b>\u00a0<b>\u0915\u0940<\/b>\u00a0<b>\u090b\u0923<\/b>\u00a0<b>\u0926\u0947\u0928\u0947<\/b>\u00a0<b>\u0915\u0940<\/b>\u00a0<b>\u0915\u094d\u0937\u092e\u0924\u093e<\/b>\u00a0<b>\u0915\u094b<\/b>\u00a0<b>\u0915\u0948\u0938\u0947<\/b>\u00a0<b>\u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924<\/b>\u00a0<b>\u0915\u0930\u0924\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">CRR\u00a0<\/span><span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u0943\u0926\u094d\u0927\u093f<\/span>\u00a0<span style=\"font-weight: 400;\">\u0938\u0940\u0927\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u090b\u0923\u094b\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u094d\u092f\u093e\u091c<\/span>\u00a0<span style=\"font-weight: 400;\">\u0926\u0930\u094b\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u094b<\/span>\u00a0<span style=\"font-weight: 400;\">\u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0930\u0924\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u0948<\/span><span style=\"font-weight: 400;\">,\u00a0<\/span><span style=\"font-weight: 400;\">\u091c\u093f\u0938\u0938\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0938\u092e\u0917\u094d\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u094d\u092f\u093e\u091c<\/span>\u00a0<span style=\"font-weight: 400;\">\u0926\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u0943\u0926\u094d\u0927\u093f<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u094b\u0924\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u0948\u0964<\/span><\/p>\n<p style=\"padding-left: 40px;\"><b>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915<\/b>\u00a0<b>\u092c\u0948\u0902\u0915\u094b\u0902<\/b>\u00a0<b>\u0926\u094d\u0935\u093e\u0930\u093e<\/b>\u00a0<b>\u090b\u0923<\/b>\u00a0<b>\u0938\u0943\u091c\u0928<\/b>\u00a0<b>\u092a\u0930<\/b>\u00a0<b>\u0928\u0915\u0926<\/b>\u00a0<b>\u0906\u0930\u0915\u094d\u0937\u093f\u0924<\/b>\u00a0<b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b><b>\u00a0(CRR)\u00a0<\/b><b>\u0915\u093e<\/b>\u00a0<b>\u0915\u094d\u092f\u093e<\/b>\u00a0<b>\u092a\u094d\u0930\u092d\u093e\u0935<\/b>\u00a0<b>\u092a\u0921\u093c\u0924\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">CRR\u00a0<\/span><span style=\"font-weight: 400;\">\u0926\u0930<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u0943\u0926\u094d\u0927\u093f<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0924\u0932\u092c<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u0948<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u093f<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915\u094b\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u094b<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u092a\u093e\u0938<\/span>\u00a0<span style=\"font-weight: 400;\">\u091c\u092e\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0947<\/span>\u00a0<span style=\"font-weight: 400;\">\u0930\u0942\u092a<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span>\u00a0<span style=\"font-weight: 400;\">\u0928\u0915\u0926\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u090f\u0915<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0921\u093c\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u093f\u0938\u094d\u0938\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u092c\u0928\u093e\u090f<\/span>\u00a0<span style=\"font-weight: 400;\">\u0930\u0916\u0928\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u094b\u0917\u093e\u0964<\/span><\/p>\n<p style=\"padding-left: 40px;\"><b>\u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/b>\u00a0<b>\u092e\u0947\u0902<\/b><b>\u00a0CRR\u00a0<\/b><b>\u0915\u094d\u092f\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span><span style=\"font-weight: 400;\">\u00a0CRR\u00a0<\/span><span style=\"font-weight: 400;\">\u0915\u093e<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0924\u0932\u092c<\/span>\u00a0<span style=\"font-weight: 400;\">\u0915\u0948\u0936<\/span>\u00a0<span style=\"font-weight: 400;\">\u0930\u093f\u091c\u093c\u0930\u094d\u0935<\/span>\u00a0<span style=\"font-weight: 400;\">\u0905\u0928\u0941\u092a\u093e\u0924<\/span>\u00a0<span style=\"font-weight: 400;\">\u0939\u0948\u0964<\/span><\/p>\n<p style=\"padding-left: 40px;\"><b>\u092d\u093e\u0930\u0924<\/b>\u00a0<b>\u092e\u0947\u0902<\/b><b>\u00a02024\u00a0<\/b><b>\u092e\u0947\u0902<\/b><b>\u00a0CRR\u00a0<\/b><b>\u0905\u0928\u0941\u092a\u093e\u0924<\/b>\u00a0<b>\u0915\u094d\u092f\u093e<\/b>\u00a0<b>\u0939\u0948<\/b><b>?<\/b><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u092d\u093e\u0930\u0924<\/span>\u00a0<span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span><span style=\"font-weight: 400;\">\u00a02024\u00a0<\/span><span style=\"font-weight: 400;\">\u092e\u0947\u0902<\/span><span style=\"font-weight: 400;\">\u00a0CRR\u00a0<\/span><span style=\"font-weight: 400;\">\u0915\u0940<\/span>\u00a0<span style=\"font-weight: 400;\">\u0935\u0930\u094d\u0924\u092e\u093e\u0928<\/span>\u00a0<span style=\"font-weight: 400;\">\u0926\u0930<\/span><span style=\"font-weight: 400;\">\u00a04.5%\u00a0<\/span><span style=\"font-weight: 400;\">\u0939\u0948\u0964<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><strong>PayMe <\/strong><strong>\u0915\u0947<\/strong> <strong>\u0909\u0924\u094d\u092a\u093e\u0926\u094b\u0902<\/strong> <strong>\u0915\u094b<\/strong> <strong>\u0926\u0947\u0916\u0947\u0902<\/strong><strong>:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.paymeindia.in\/personal-loan\/\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/personal-loan-for-women\/\">\u092e\u0939\u093f\u0932\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/credit-assist\/\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0905\u0938\u093f\u0938\u094d\u091f<\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0938\u0940\u0906\u0930\u0906\u0930 \u0915\u093e \u092e\u0924\u0932\u092c \u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (Cash Reserve Ratio) \u0939\u0948, \u0914\u0930 \u092f\u0939 \u0915\u093f\u0938\u0940 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0915\u0941\u0932 \u091c\u092e\u093e \u0915\u093e \u0935\u0939 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u0948 \u091c\u093f\u0938\u0947 \u091c\u094b\u0916\u093f\u092e-\u092e\u0941\u0915\u094d\u0924 \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u0915\u0926\u0940 \u092e\u0947\u0902 \u0930\u0916\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0906\u0930\u092c\u0940\u0906\u0908 \u0938\u0940\u0906\u0930\u0906\u0930 \u0924\u092f \u0915\u0930\u0924\u093e \u0939\u0948, \u0914\u0930 \u092f\u0939 \u0927\u0928\u0930\u093e\u0936\u093f \u0915\u0940 \u0935\u0939 \u0930\u093e\u0936\u093f \u0939\u0948 \u091c\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0924\u0930\u0932\u0924\u093e \u0938\u0902\u0915\u091f \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":267958,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"\u0915\u0948\u0936 \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u0930\u0947\u0936\u093f\u092f\u094b (CRR) \u2013 CRR \u0915\u0940 \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0926\u0930 \u0914\u0930 \u0917\u0923\u0928\u093e","_seopress_titles_desc":"\u0928\u0915\u0926 \u0906\u0930\u0915\u094d\u0937\u093f\u0924 \u0905\u0928\u0941\u092a\u093e\u0924 (\u0938\u0940\u0906\u0930\u0906\u0930) \u0915\u094d\u092f\u093e \u0939\u0948? \u0935\u0930\u094d\u0924\u092e\u093e\u0928 (2024) \u092e\u0947\u0902 \u2713 \u0938\u0940\u0906\u0930\u0906\u0930 \u0926\u0930 \u0915\u0940 \u091c\u093e\u0901\u091a \u2713 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092e\u0939\u0924\u094d\u0935 \u2713 \u0938\u0940\u0906\u0930\u0906\u0930 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902 \u0914\u0930 \u0907\u0938\u0915\u093e \u2713 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