{"id":305591,"date":"2025-01-05T05:13:34","date_gmt":"2025-01-05T05:13:34","guid":{"rendered":"https:\/\/www.paymeindia.in\/blog\/?p=305591"},"modified":"2025-02-14T07:53:41","modified_gmt":"2025-02-14T07:53:41","slug":"vidyalakshmi-education-loan-portal","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/","title":{"rendered":"\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923: \u092a\u093e\u0924\u094d\u0930\u0924\u093e, \u092f\u094b\u091c\u0928\u093e \u0935\u093f\u0935\u0930\u0923 \u0914\u0930 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u0936\u093f\u0915\u094d\u0937\u093e \u0915\u093f\u0938\u0940 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u0909\u0928\u094d\u0928\u0924\u093f \u0914\u0930 \u0926\u0947\u0936 \u0915\u0947 \u0935\u093f\u0915\u093e\u0938 \u0915\u0940 \u0928\u0940\u0902\u0935 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u0915\u0947 \u092f\u0941\u0935\u093e\u0913\u0902 \u0915\u094b \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0928\u093e \u0939\u092e\u093e\u0930\u0947 \u0926\u0947\u0936 \u0915\u094b \u092a\u094d\u0930\u0917\u0924\u093f \u0915\u0940 \u0913\u0930 \u0932\u0947 \u091c\u093e\u0928\u0947 \u0915\u093e \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0915\u0926\u092e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0915\u0908 \u0939\u094b\u0928\u0939\u093e\u0930 \u091b\u093e\u0924\u094d\u0930 \u0910\u0938\u0947 \u092d\u0940 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u0905\u092a\u0928\u0940 \u092a\u0922\u093c\u093e\u0908 \u092e\u0947\u0902 \u0909\u0924\u094d\u0915\u0943\u0937\u094d\u091f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0906\u0930\u094d\u0925\u093f\u0915 \u0915\u093e\u0930\u0923\u094b\u0902 \u0938\u0947 \u0905\u092a\u0928\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u092a\u0942\u0930\u0940 \u0928\u0939\u0940\u0902 \u0915\u0930 \u092a\u093e\u0924\u0947\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u090f\u091c\u0941\u0915\u0947\u0936\u0928 \u0932\u094b\u0928 \u092f\u094b\u091c\u0928\u093e \u0910\u0938\u0947 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u0939\u093e\u0930\u093e \u0939\u0948\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u0909\u0928\u094d\u0939\u0947\u0902 \u0909\u0928\u0915\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0939\u093e\u092f\u0924\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u0947 \u0905\u092a\u0928\u0947 \u0938\u092a\u0928\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930 \u0938\u0915\u0947\u0902\u0964 \u0907\u0938 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0939\u092e \u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921, \u0907\u0938\u0915\u0947 \u0932\u093e\u092d, \u0914\u0930 \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u091a\u0930\u094d\u091a\u093e \u0915\u0930\u0947\u0902\u0917\u0947\u0964<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u090b\u0923 \u0915\u094d\u092f\u093e \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\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%be%e0%a4%ad-%e0%a4%b9%e0%a5%88%e0%a4%82\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0915\u094d\u092f\u093e \u0932\u093e\u092d \u0939\u0948\u0902?<\/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\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%aa%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%ae%e0%a4%be%e0%a4%a8%e0%a4%a6%e0%a4%82%e0%a4%a1\" >\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921<\/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\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%a6%e0%a5%8d%e0%a4%b5%e0%a4%be%e0%a4%b0%e0%a4%be-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a6%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a4%bf%e0%a4%8f-%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%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a4%be%e0%a4%b0\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930<\/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\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%8d%e0%a4%9f%e0%a4%b2-%e0%a4%aa%e0%a4%b0-%e0%a4%b0%e0%a4%9c%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%9f%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0930\u091c\u093f\u0938\u094d\u091f\u0930 \u0914\u0930 \u0906\u0935\u0947\u0926\u0928 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#1-%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%8d%e0%a4%9f%e0%a4%b2-%e0%a4%aa%e0%a4%b0-%e0%a4%b0%e0%a4%9c%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%9f%e0%a4%b0-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >1. \u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0930\u091c\u093f\u0938\u094d\u091f\u0930 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#2-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%b6%e0%a5%81%e0%a4%b0%e0%a5%82-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >2. \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0936\u0941\u0930\u0942 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#3-%e0%a4%86%e0%a4%b5%e0%a4%b6%e0%a5%8d%e0%a4%af%e0%a4%95-%e0%a4%a6%e0%a4%b8%e0%a5%8d%e0%a4%a4%e0%a4%be%e0%a4%b5%e0%a5%87%e0%a4%9c-%e0%a4%85%e0%a4%aa%e0%a4%b2%e0%a5%8b%e0%a4%a1-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >3. \u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u0905\u092a\u0932\u094b\u0921 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#4-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a4%be-%e0%a4%9a%e0%a4%af%e0%a4%a8-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >4. \u0932\u094b\u0928 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u091a\u092f\u0928 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#5-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%9c%e0%a4%ae%e0%a4%be-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >5. \u0906\u0935\u0947\u0926\u0928 \u091c\u092e\u093e \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#6-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%bf%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a5%80-%e0%a4%9c%e0%a4%be%e0%a4%82%e0%a4%9a-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >6. \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902<\/a><\/li><\/ul><\/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\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094d\u092f\u093e \u0939\u0948?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#1-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%85%e0%a4%b5%e0%a4%95%e0%a4%be%e0%a4%b6-%e0%a4%85%e0%a4%b5%e0%a4%a7%e0%a4%bf-moratorium-period\" >1. \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0915\u093e\u0936 \u0905\u0935\u0927\u093f (Moratorium Period):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#2-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%b5%e0%a4%bf%e0%a4%95%e0%a4%b2%e0%a5%8d%e0%a4%aa\" >2. \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0935\u093f\u0915\u0932\u094d\u092a:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%88%e0%a4%8f%e0%a4%ae%e0%a4%86%e0%a4%88-%e0%a4%95%e0%a5%87-%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a5%8d%e0%a4%af%e0%a4%ae-%e0%a4%b8%e0%a5%87-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8\" >\u0908\u090f\u092e\u0906\u0908 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%b2%e0%a4%9a%e0%a5%80%e0%a4%b2%e0%a4%be-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a4%be%e0%a4%b2-flexible-tenure\" >\u0932\u091a\u0940\u0932\u093e \u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0932 (Flexible Tenure):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%97%e0%a5%8d%e0%a4%b0%e0%a5%87%e0%a4%9c%e0%a5%81%e0%a4%8f%e0%a4%9f%e0%a5%87%e0%a4%a1-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be\" >\u0917\u094d\u0930\u0947\u091c\u0941\u090f\u091f\u0947\u0921 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u092f\u094b\u091c\u0928\u093e:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#3-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%80-%e0%a4%aa%e0%a5%82%e0%a4%b0%e0%a5%8d%e0%a4%b5-%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-prepayment\" >3. \u090b\u0923 \u0915\u0940 \u092a\u0942\u0930\u094d\u0935-\u092d\u0941\u0917\u0924\u093e\u0928 (Prepayment):<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b8%e0%a4%be%e0%a4%ae%e0%a4%be%e0%a4%a8%e0%a5%8d%e0%a4%af-%e0%a4%9a%e0%a5%81%e0%a4%a8%e0%a5%8c%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%82-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88%e0%a4%82\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0902 \u0914\u0930 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%a7%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%a8-%e0%a4%a6%e0%a5%87%e0%a4%a8%e0%a5%87-%e0%a4%af%e0%a5%8b%e0%a4%97%e0%a5%8d%e0%a4%af-%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%ac%e0%a4%be%e0%a4%a4%e0%a5%87%e0%a4%82\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093e\u0924\u0947\u0902<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#1-%e0%a4%aa%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%ae%e0%a4%be%e0%a4%a8%e0%a4%a6%e0%a4%82%e0%a4%a1\" >1. \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#2-%e0%a4%8b%e0%a4%a3-%e0%a4%b0%e0%a4%be%e0%a4%b6%e0%a4%bf-%e0%a4%94%e0%a4%b0-%e0%a4%95%e0%a4%b5%e0%a4%b0%e0%a5%87%e0%a4%9c\" >2. \u090b\u0923 \u0930\u093e\u0936\u093f \u0914\u0930 \u0915\u0935\u0930\u0947\u091c:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#3-%e0%a4%ac%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%9c-%e0%a4%a6%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ac%e0%a5%8d%e0%a4%b8%e0%a4%bf%e0%a4%a1%e0%a5%80\" >3. \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0914\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#4-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%b6%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a5%87%e0%a4%82\" >4. \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0936\u0930\u094d\u0924\u0947\u0902:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#5-%e0%a4%b8%e0%a4%ae%e0%a4%af-%e0%a4%aa%e0%a4%b0-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%9c%e0%a4%ae%e0%a4%be-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >5. \u0938\u092e\u092f \u092a\u0930 \u0906\u0935\u0947\u0926\u0928 \u091c\u092e\u093e \u0915\u0930\u0947\u0902:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#6-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%80-%e0%a4%a4%e0%a5%81%e0%a4%b2%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >6. \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#7-%e0%a4%8b%e0%a4%a3-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%ac%e0%a4%82%e0%a4%a7-%e0%a4%95%e0%a5%8b-%e0%a4%b8%e0%a4%ae%e0%a4%9d%e0%a5%87%e0%a4%82\" >7. \u090b\u0923 \u0905\u0928\u0941\u092c\u0902\u0927 \u0915\u094b \u0938\u092e\u091d\u0947\u0902:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%8d%e0%a4%9f%e0%a4%b2-%e0%a4%aa%e0%a4%b0-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%bf%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%9f%e0%a5%8d%e0%a4%b0%e0%a5%88%e0%a4%95-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0948\u0938\u0947 \u091f\u094d\u0930\u0948\u0915 \u0915\u0930\u0947\u0902?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%a4%e0%a5%87%e0%a4%9c-%e0%a4%95%e0%a4%b0%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b8%e0%a5%81%e0%a4%9d%e0%a4%be%e0%a4%b5\" >\u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0924\u0947\u091c \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0941\u091d\u093e\u0935:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%80-%e0%a4%85%e0%a4%a8%e0%a5%8d%e0%a4%af-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be%e0%a4%93%e0%a4%82-%e0%a4%b8%e0%a5%87-%e0%a4%a4%e0%a5%81%e0%a4%b2%e0%a4%a8%e0%a4%be\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0940 \u0905\u0928\u094d\u092f \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0938\u0947 \u0924\u0941\u0932\u0928\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%9b%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b8%e0%a4%b9%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%9a%e0%a5%81%e0%a4%a8%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a5%87-%e0%a4%9f%e0%a4%bf%e0%a4%aa%e0%a5%8d%e0%a4%b8\" >\u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u091a\u0941\u0928\u0928\u0947 \u0915\u0947 \u091f\u093f\u092a\u094d\u0938<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%a4%e0%a4%b9%e0%a4%a4-%e0%a4%85%e0%a4%a7%e0%a4%bf%e0%a4%95%e0%a4%a4%e0%a4%ae-%e0%a4%8b%e0%a4%a3-%e0%a4%b0%e0%a4%be%e0%a4%b6%e0%a4%bf-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924 \u0905\u0927\u093f\u0915\u0924\u092e \u090b\u0923 \u0930\u093e\u0936\u093f \u0915\u094d\u092f\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%8b%e0%a4%a3-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%95%e0%a4%bf%e0%a4%a4%e0%a4%a8%e0%a4%be-%e0%a4%b8%e0%a4%ae%e0%a4%af-%e0%a4%b2%e0%a4%97%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 \u0915\u093f\u0924\u0928\u093e \u0938\u092e\u092f \u0932\u0917\u0924\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/#%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%ae%e0%a5%88%e0%a4%82-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a4%b0-%e0%a4%b8%e0%a4%95%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%82%e0%a4%82-%e0%a4%af%e0%a4%a6%e0%a4%bf-%e0%a4%ae%e0%a5%88%e0%a4%82-%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%a8%e0%a4%be%e0%a4%97%e0%a4%b0%e0%a4%bf%e0%a4%95-%e0%a4%a8%e0%a4%b9%e0%a5%80%e0%a4%82-%e0%a4%b9%e0%a5%82%e0%a4%82\" >\u0915\u094d\u092f\u093e \u092e\u0948\u0902 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902 \u092f\u0926\u093f \u092e\u0948\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093e\u0917\u0930\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u0942\u0902?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u090b\u0923 \u0915\u094d\u092f\u093e \u0939\u0948?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u090b\u0923 \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u090f\u0915 \u092a\u0939\u0932 \u0939\u0948, \u091c\u093f\u0938\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0909\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u092e\u0926\u0926 \u0915\u0930\u0928\u093e \u0939\u0948 \u091c\u094b \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0930\u0932, \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u0914\u0930 \u0938\u0941\u0932\u092d \u092c\u0928\u093e\u0924\u0940 \u0939\u0948, \u0924\u093e\u0915\u093f \u091b\u093e\u0924\u094d\u0930 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0905\u092a\u0928\u0940 \u092a\u0922\u093c\u093e\u0908 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0939\u093e\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0947\u0902\u0964 \u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u090f\u0915 \u0911\u0928\u0932\u093e\u0907\u0928 \u092e\u0902\u091a \u0939\u0948, \u091c\u093f\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e \u0935\u093f\u092d\u093e\u0917, \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u0935\u093f\u092d\u093e\u0917, \u0914\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915 \u0938\u0902\u0918 (IBA) \u0915\u0947 \u0938\u0939\u092f\u094b\u0917 \u0938\u0947 \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964 \u0907\u0938 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947, \u0909\u0938\u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u091c\u093e\u0928\u0928\u0947 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u090f\u0915 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0914\u0930 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e-\u0905\u0928\u0941\u0915\u0942\u0932 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0939\u0948 \u091c\u094b \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0915\u0930 \u092c\u0928\u093e\u0908 \u0917\u0908 \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u092f\u0939 \u092a\u094b\u0930\u094d\u091f\u0932 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0938\u092d\u0940 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0940 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0940 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u094b \u0926\u0947\u0916\u0928\u0947, \u0909\u0928\u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0928\u0947 \u0914\u0930 \u0909\u0928\u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0906\u0938\u093e\u0928 \u092c\u0928\u093e\u0924\u093e \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 \u090f\u0915 \u0938\u093f\u0902\u0917\u0932-\u0935\u093f\u0902\u0921\u094b \u0938\u093f\u0938\u094d\u091f\u092e \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u0939\u093e\u0902 \u091b\u093e\u0924\u094d\u0930 \u090f\u0915 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u092a\u0924\u094d\u0930 (Common Education Loan Application Form) \u092d\u0930\u0915\u0930 \u0915\u0908 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u0938\u092d\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092d\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u091b\u093e\u0924\u094d\u0930 \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0939\u093e\u092f\u0924\u093e \u0915\u094b \u0905\u0927\u093f\u0915\u0924\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092d\u0940 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0938\u0947 \u0905\u0935\u0917\u0924 \u0939\u094b \u0938\u0915\u0947\u0902\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%be%e0%a4%ad-%e0%a4%b9%e0%a5%88%e0%a4%82\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0915\u094d\u092f\u093e \u0932\u093e\u092d \u0939\u0948\u0902?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0909\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u0908 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0914\u0930 \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0932\u093e\u092d \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u094b \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0915\u0941\u091b \u092a\u094d\u0930\u092e\u0941\u0916 \u0932\u093e\u092d \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0939\u0948\u0902:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0907\u0938 \u0924\u0930\u0939 \u0938\u0947 \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 \u0915\u093f \u092f\u0939 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092b\u093e\u092f\u0924\u0940 \u0939\u094b\u0964 \u0916\u093e\u0938\u0924\u094c\u0930 \u092a\u0930 \u0909\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0930\u093e\u0939\u0924 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948 \u091c\u094b \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e\u091c\u094b\u0930 \u0935\u0930\u094d\u0917 \u0938\u0947 \u0906\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0930\u093f\u092f\u093e\u092f\u0924\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u092a\u0930 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u0940 \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u0915\u0947 \u0938\u092a\u0928\u0947 \u092a\u0942\u0930\u0947 \u0915\u0930\u0928\u093e \u0906\u0938\u093e\u0928 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 (CSIS) \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0909\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u093f\u0928\u0915\u0940 \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0906\u092f \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0938\u0940\u092e\u093e \u0938\u0947 \u0915\u092e \u0939\u0948\u0964 \u092f\u0939 \u0938\u0941\u0935\u093f\u0927\u093e \u090b\u0923 \u0915\u0940 \u0915\u0941\u0932 \u0932\u093e\u0917\u0924 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0907\u0938\u0947 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915 \u092a\u094d\u0930\u092c\u0902\u0927\u0928\u0940\u092f \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<\/ol>\n<ol start=\"2\">\n<li><b> <\/b><b>\u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u092a\u0924\u094d\u0930:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u090f\u0915 \u092e\u093e\u0928\u0915\u0940\u0915\u0943\u0924 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u092a\u0924\u094d\u0930 (CELAF) \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u092f\u0939 \u092b\u0949\u0930\u094d\u092e \u0915\u0947\u0935\u0932 \u090f\u0915 \u092c\u093e\u0930 \u092d\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0947 \u090f\u0915 \u0938\u093e\u0925 \u0905\u092a\u0928\u0940 \u092a\u0938\u0902\u0926 \u0915\u0947 3 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0938\u092c\u092e\u093f\u091f \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u0938\u092e\u092f \u0914\u0930 \u092e\u0947\u0939\u0928\u0924 \u0915\u0940 \u092c\u091a\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0939\u0930 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0932\u093f\u090f \u0905\u0932\u0917-\u0905\u0932\u0917 \u092b\u0949\u0930\u094d\u092e \u092d\u0930\u0928\u0947 \u0915\u0940 \u091d\u0902\u091d\u091f \u0938\u092e\u093e\u092a\u094d\u0924 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938 \u092e\u093e\u0928\u0915\u0940\u0915\u0943\u0924 \u092a\u094d\u0930\u093e\u0930\u0942\u092a \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u092d\u0940 \u0906\u0935\u0936\u094d\u092f\u0915 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u090f\u0915 \u0939\u0940 \u092b\u0949\u0930\u094d\u092e \u092e\u0947\u0902 \u0926\u0930\u094d\u091c \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0917\u0932\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0938\u0941\u0917\u092e \u0914\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u092c\u0928\u0924\u0940 \u0939\u0948\u0964<\/span><\/span><\/li>\n<li><b> \u0932\u091a\u0940\u0932\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0935\u093f\u0915\u0932\u094d\u092a<\/b><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0932\u0947\u0924\u0947 \u0938\u092e\u092f, \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0938\u094d\u0925\u0917\u0928 \u0905\u0935\u0927\u093f (Moratorium Period) \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0947 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0915\u093e\u0936 (Repayment Holiday) \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u0905\u0935\u0927\u093f \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0935\u093f\u0926\u094d\u092f\u093e\u0930\u094d\u0925\u093f\u092f\u094b\u0902 \u0915\u094b \u090b\u0923 \u0915\u0940 \u0915\u093f\u0938\u094d\u0924\u094b\u0902 \u0915\u093e 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\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0935\u093f\u0926\u094d\u092f\u093e\u0930\u094d\u0925\u093f\u092f\u094b\u0902 \u0915\u094b \u090f\u0915 \u0938\u0941\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093f\u0924 \u090b\u0923 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u093e \u0905\u0928\u0941\u092d\u0935 \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u092c\u0948\u0902\u0915 \u0907\u0938 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0906\u0935\u0947\u0926\u0928 \u0914\u0930 \u090b\u0923 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0926\u0947\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f 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40px;\"><span style=\"font-weight: 400;\">\u0927\u0928\u0930\u093e\u0936\u093f \u0924\u0915 \u091c\u0932\u094d\u0926\u0940 \u092a\u0939\u0941\u0901\u091a \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948 \u0915\u093f \u0935\u093f\u0926\u094d\u092f\u093e\u0930\u094d\u0925\u0940 \u0938\u092e\u092f \u092a\u0930 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938, \u0939\u0949\u0938\u094d\u091f\u0932 \u092b\u0940\u0938 \u0914\u0930 \u0905\u0928\u094d\u092f \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0916\u0930\u094d\u091a\u0947 \u091a\u0941\u0915\u093e \u0938\u0915\u0947\u0902\u0964 \u0907\u0938\u0938\u0947 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0915\u093f\u0938\u0940 \u092d\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0924\u0928\u093e\u0935 \u0938\u0947 \u092c\u091a\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0935\u0947 \u0905\u092a\u0928\u0940 \u092a\u0922\u093c\u093e\u0908 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930 \u092a\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/p>\n<ol start=\"5\">\n<li><b> \u0915\u0930 \u0932\u093e\u092d:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u0947 \u0935\u093f\u0926\u094d\u092f\u093e\u0930\u094d\u0925\u0940 \u0906\u092f\u0915\u0930 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u0927\u093e\u0930\u093e 80E \u0915\u0947 \u0924\u0939\u0924 \u092c\u094d\u092f\u093e\u091c \u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u0930 \u0915\u0930 \u091b\u0942\u091f \u0915\u093e \u0932\u093e\u092d \u0909\u0920\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0928\u094d\u092f \u0915\u0930 \u092c\u091a\u0924 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, 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\u0915\u093f\u090f \u092c\u093f\u0928\u093e \u091c\u093e\u0930\u0940 \u0930\u0916 \u0938\u0915\u0947\u0902\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%aa%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%ae%e0%a4%be%e0%a4%a8%e0%a4%a6%e0%a4%82%e0%a4%a1\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0941\u091b \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0939\u0948\u0902:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0928\u093e\u0917\u0930\u093f\u0915\u0924\u093e:<\/b><span style=\"font-weight: 400;\"> \u091b\u093e\u0924\u094d\u0930 \u092d\u093e\u0930\u0924 \u0915\u093e \u0928\u093e\u0917\u0930\u093f\u0915 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u092f\u094b\u0917\u094d\u092f\u0924\u093e:<\/b><span style=\"font-weight: 400;\"> \u091b\u093e\u0924\u094d\u0930 \u0928\u0947 10+2 \u092f\u093e \u0938\u092e\u0915\u0915\u094d\u0937 \u092a\u0930\u0940\u0915\u094d\u0937\u093e \u0928\u094d\u092f\u0942\u0928\u0924\u092e 50% \u0905\u0902\u0915\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0909\u0924\u094d\u0924\u0940\u0930\u094d\u0923 \u0915\u0940 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092a\u094d\u0930\u0935\u0947\u0936:<\/b><span style=\"font-weight: 400;\"> \u091b\u093e\u0924\u094d\u0930 \u0915\u094b \u092d\u093e\u0930\u0924 \u092f\u093e \u0935\u093f\u0926\u0947\u0936 \u092e\u0947\u0902 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0935\u093f\u0936\u094d\u0935\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u092f \u092e\u0947\u0902 \u092a\u094d\u0930\u0935\u0947\u0936 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0905\u0927\u094d\u092f\u092f\u0928 \u0935\u093f\u0915\u0932\u094d\u092a:<\/b> <span style=\"font-weight: 400;\">\u092d\u093e\u0930\u0924 \u092f\u093e \u0935\u093f\u0926\u0947\u0936 \u092e\u0947\u0902 \u092a\u0922\u093c\u093e\u0908 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u094b\u0908 \u092d\u0940 \u0918\u0930\u0947\u0932\u0942 \u092f\u093e \u0905\u0902\u0924\u0930\u094d\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u091b\u093e\u0924\u094d\u0930 \u0907\u0938 \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u092c\u094d\u0938\u093f\u0921\u0940:<\/b> <span style=\"font-weight: 400;\">\u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924, \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0940 \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0906\u092f \u090f\u0915 \u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0938\u0940\u092e\u093e \u0938\u0947 \u0905\u0927\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u092f\u0926\u093f \u0906\u092a \u0907\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a \u0935\u093f\u0926\u094d\u092f\u093e\u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0905\u092a\u0928\u0940 \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0927\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u091c\u093f\u0938 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0906\u092a \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0909\u0938\u0915\u0947 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0928\u093e \u0909\u091a\u093f\u0924 \u0930\u0939\u0947\u0917\u093e\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%a6%e0%a5%8d%e0%a4%b5%e0%a4%be%e0%a4%b0%e0%a4%be-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a6%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a4%bf%e0%a4%8f-%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%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a4%be%e0%a4%b0\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u094b \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u092f\u093e\u0924\u094d\u0930\u093e \u0915\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u091a\u0930\u0923\u094b\u0902 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0915\u093f\u090f \u0917\u090f \u0939\u0948\u0902\u0964<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u094d\u0928\u093e\u0924\u0915 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 (Undergraduate Education Loan):<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u092f\u0939 \u0909\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u0948 \u091c\u094b \u092d\u093e\u0930\u0924 \u092f\u093e \u0935\u093f\u0926\u0947\u0936 \u092e\u0947\u0902 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0938\u0947 \u0938\u094d\u0928\u093e\u0924\u0915 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\u0935\u0947 \u091b\u093e\u0924\u094d\u0930 \u091c\u093f\u0928\u094d\u0939\u094b\u0902\u0928\u0947 \u092e\u0947\u0930\u093f\u091f \u092f\u093e \u092a\u094d\u0930\u0935\u0947\u0936 \u092a\u0930\u0940\u0915\u094d\u0937\u093e \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u093f\u0938\u0940 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0935\u093f\u0936\u094d\u0935\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u092f \u092e\u0947\u0902 \u0938\u094d\u0928\u093e\u0924\u0915 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u092e\u0947\u0902 \u092a\u094d\u0930\u0935\u0947\u0936 \u0932\u093f\u092f\u093e \u0939\u0948, \u0907\u0938 \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u0948\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u090b\u0923 \u0930\u093e\u0936\u093f \u092e\u0947\u0902 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938, \u092a\u0930\u0940\u0915\u094d\u0937\u093e \u0936\u0941\u0932\u094d\u0915, \u092a\u0941\u0938\u094d\u0924\u0915\u093e\u0932\u092f \u0936\u0941\u0932\u094d\u0915, \u092a\u0941\u0938\u094d\u0924\u0915\u094b\u0902 \u0915\u0940 \u0932\u093e\u0917\u0924, \u0906\u0935\u093e\u0938 \u0914\u0930 \u0905\u0928\u094d\u092f \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0916\u0930\u094d\u091a \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u094d\u0928\u093e\u0924\u0915\u094b\u0924\u094d\u0924\u0930 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 (Postgraduate Education Loan):<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u092f\u0939 \u0909\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u0948 \u091c\u094b \u092d\u093e\u0930\u0924 \u092f\u093e \u0935\u093f\u0926\u0947\u0936 \u092e\u0947\u0902 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0938\u0947 \u0938\u094d\u0928\u093e\u0924\u0915\u094b\u0924\u094d\u0924\u0930 (\u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e) \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0928\u0947 \u0938\u094d\u0928\u093e\u0924\u0915 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u092a\u0942\u0930\u093e \u0915\u0930 \u0932\u093f\u092f\u093e \u0939\u094b \u0914\u0930 \u092d\u093e\u0930\u0924 \u092f\u093e \u0935\u093f\u0926\u0947\u0936 \u092e\u0947\u0902 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0935\u093f\u0936\u094d\u0935\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u092f \u092e\u0947\u0902 \u092a\u094d\u0930\u0935\u0947\u0936 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u093f\u092f\u093e \u0939\u094b\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0907\u0938 \u090b\u0923 \u0915\u0940 \u0930\u093e\u0936\u093f \u092e\u0947\u0902 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938, \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0936\u0941\u0932\u094d\u0915, \u0906\u0935\u093e\u0938 \u0935\u094d\u092f\u092f, \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e \u0915\u093e\u0930\u094d\u092f, \u0925\u0940\u0938\u093f\u0938 \u092f\u093e \u0935\u093f\u0936\u0947\u0937 \u0909\u092a\u0915\u0930\u0923\u094b\u0902 \u0915\u0940 \u0932\u093e\u0917\u0924 \u0914\u0930 \u0935\u093f\u0926\u0947\u0936 \u092e\u0947\u0902 \u0905\u0927\u094d\u092f\u092f\u0928 \u0915\u0947 \u0932\u093f\u090f \u092f\u093e\u0924\u094d\u0930\u093e \u0935\u094d\u092f\u092f \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 (Vocational Education Loan):<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u092f\u0939 \u0909\u0928 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u0948 \u091c\u094b \u0932\u0918\u0941 \u0905\u0935\u0927\u093f \u092f\u093e \u0915\u094c\u0936\u0932 \u0935\u093f\u0915\u093e\u0938 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\u091b\u093e\u0924\u094d\u0930 \u0915\u094b \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0915\u094c\u0936\u0932 \u0935\u093f\u0915\u093e\u0938 \u0928\u093f\u0917\u092e (NSDC) \u092f\u093e \u0938\u0947\u0915\u094d\u091f\u0930 \u0938\u094d\u0915\u093f\u0932 \u0915\u093e\u0909\u0902\u0938\u093f\u0932 \u091c\u0948\u0938\u0940 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0913\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u092e\u093e\u0923\u093f\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0938\u0947 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u092f\u093e \u0915\u094c\u0936\u0932 \u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u092e\u0947\u0902 \u0928\u093e\u092e\u093e\u0902\u0915\u093f\u0924 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\u090b\u0923 \u0930\u093e\u0936\u093f \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092e\u0941\u0916\u094d\u092f\u0924\u0903 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u0936\u0941\u0932\u094d\u0915 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0915\u0941\u091b \u092c\u0948\u0902\u0915 \u092a\u0930\u0940\u0915\u094d\u0937\u093e \u0936\u0941\u0932\u094d\u0915, \u092a\u094d\u0930\u092e\u093e\u0923\u0928 \u0936\u0941\u0932\u094d\u0915 \u0914\u0930 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e \u092e\u0947\u0902 \u0906\u0935\u0936\u094d\u092f\u0915 \u0909\u092a\u0915\u0930\u0923\u094b\u0902 \u0915\u0940 \u0932\u093e\u0917\u0924 \u092d\u0940 \u0915\u0935\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932<\/b><span style=\"font-weight: 400;\"> \u0938\u094d\u0928\u093e\u0924\u0915, \u0938\u094d\u0928\u093e\u0924\u0915\u094b\u0924\u094d\u0924\u0930 \u092f\u093e \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e\u094b\u0902 \u092e\u0947\u0902 \u0926\u093e\u0916\u093f\u0932\u093e \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u0947 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0947 \u090b\u0923 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0909\u0928\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u091a\u093e\u0939\u0947 \u091c\u094b \u092d\u0940 \u0939\u094b, \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u0915\u094b \u0906\u0917\u0947 \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0938\u093e\u0927\u0928 \u092e\u093f\u0932 \u0938\u0915\u0947\u0902\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%8d%e0%a4%9f%e0%a4%b2-%e0%a4%aa%e0%a4%b0-%e0%a4%b0%e0%a4%9c%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%9f%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%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>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0930\u091c\u093f\u0938\u094d\u091f\u0930 \u0914\u0930 \u0906\u0935\u0947\u0926\u0928 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0906\u0938\u093e\u0928 \u0914\u0930 \u091a\u0930\u0923\u092c\u0926\u094d\u0927 \u0939\u0948\u0964 \u0928\u0940\u091a\u0947 \u0926\u093f\u090f \u0917\u090f \u091a\u0930\u0923\u094b\u0902 \u0915\u093e \u0905\u0928\u0941\u0938\u0930\u0923 \u0915\u0930\u0915\u0947 \u0906\u092a \u0938\u0930\u0932\u0924\u093e \u0938\u0947 \u0907\u0938 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0930\u091c\u093f\u0938\u094d\u091f\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0905\u092a\u0928\u093e \u0906\u0935\u0947\u0926\u0928 \u0938\u092c\u092e\u093f\u091f \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902:<\/span><\/p>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"1-%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%8d%e0%a4%9f%e0%a4%b2-%e0%a4%aa%e0%a4%b0-%e0%a4%b0%e0%a4%9c%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%9f%e0%a4%b0-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>1. \u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0930\u091c\u093f\u0938\u094d\u091f\u0930 \u0915\u0930\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947,<\/span><a href=\"https:\/\/www.vidyalakshmi.co.in\/\"> <span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0940 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0935\u0947\u092c\u0938\u093e\u0907\u091f<\/span><\/a><span style=\"font-weight: 400;\"> \u092a\u0930 \u091c\u093e\u090f\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0939\u094b\u092e\u092a\u0947\u091c \u092a\u0930 &#8220;\u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u0947\u0936\u0928&#8221; \u092f\u093e &#8220;\u0938\u093e\u0907\u0928 \u0905\u092a&#8221; \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u094b \u091a\u0941\u0928\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u0947\u0936\u0928 \u092b\u0949\u0930\u094d\u092e \u092e\u0947\u0902 \u0905\u092a\u0928\u093e \u0928\u093e\u092e, \u0908\u092e\u0947\u0932 \u0906\u0908\u0921\u0940, \u092e\u094b\u092c\u093e\u0907\u0932 \u0928\u0902\u092c\u0930, \u0914\u0930 \u092a\u093e\u0938\u0935\u0930\u094d\u0921 \u091c\u0948\u0938\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092d\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u0947\u0936\u0928 \u0915\u0947 \u092c\u093e\u0926 \u0906\u092a\u0915\u094b \u090f\u0915 \u0908\u092e\u0947\u0932 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0917\u093e, \u091c\u093f\u0938\u092e\u0947\u0902 \u0926\u093f\u090f \u0917\u090f \u0932\u093f\u0902\u0915 \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0915\u0947 \u0905\u092a\u0928\u0947 \u0916\u093e\u0924\u0947 \u0915\u094b \u0938\u0915\u094d\u0930\u093f\u092f \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"2-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%b6%e0%a5%81%e0%a4%b0%e0%a5%82-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>2. \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0936\u0941\u0930\u0942 \u0915\u0930\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u0947\u0936\u0928 \u092a\u0942\u0930\u093e \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0905\u092a\u0928\u0947 \u0915\u094d\u0930\u0947\u0921\u0947\u0902\u0936\u093f\u092f\u0932\u094d\u0938 (\u0908\u092e\u0947\u0932 \u0906\u0908\u0921\u0940 \u0914\u0930 \u092a\u093e\u0938\u0935\u0930\u094d\u0921) \u0915\u0947 \u0938\u093e\u0925 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 &#8220;\u090f\u092a\u094d\u0932\u093e\u0908 \u092b\u0949\u0930 \u090f\u091c\u0941\u0915\u0947\u0936\u0928 \u0932\u094b\u0928&#8221; \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0906\u0935\u0947\u0926\u0928 \u092b\u0949\u0930\u094d\u092e \u0915\u094b \u0927\u094d\u092f\u093e\u0928\u092a\u0942\u0930\u094d\u0935\u0915 \u092a\u0922\u093c\u0947\u0902 \u0914\u0930 \u0909\u0938\u092e\u0947\u0902 \u092e\u093e\u0902\u0917\u0940 \u0917\u0908 \u0938\u092d\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0938\u0939\u0940-\u0938\u0939\u0940 \u092d\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"3-%e0%a4%86%e0%a4%b5%e0%a4%b6%e0%a5%8d%e0%a4%af%e0%a4%95-%e0%a4%a6%e0%a4%b8%e0%a5%8d%e0%a4%a4%e0%a4%be%e0%a4%b5%e0%a5%87%e0%a4%9c-%e0%a4%85%e0%a4%aa%e0%a4%b2%e0%a5%8b%e0%a4%a1-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>3. \u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u0905\u092a\u0932\u094b\u0921 \u0915\u0930\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0906\u0935\u0947\u0926\u0928 \u092b\u0949\u0930\u094d\u092e \u092d\u0930\u0928\u0947 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928, \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u094b\u0902 \u0915\u094b \u0938\u094d\u0915\u0948\u0928 \u0915\u0930\u0915\u0947 \u0905\u092a\u0932\u094b\u0921 \u0915\u0930\u0947\u0902\u0964 \u0907\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u092a\u0924\u094d\u0930, \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u092a\u094d\u0930\u092e\u093e\u0923\u092a\u0924\u094d\u0930, \u090f\u0921\u092e\u093f\u0936\u0928 \u0932\u0947\u091f\u0930, \u0914\u0930 \u0906\u092f \u092a\u094d\u0930\u092e\u093e\u0923\u092a\u0924\u094d\u0930 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"4-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a4%be-%e0%a4%9a%e0%a4%af%e0%a4%a8-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>4. \u0932\u094b\u0928 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u091a\u092f\u0928 \u0915\u0930\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0909\u092a\u0932\u092c\u094d\u0927 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0909\u0928\u0915\u0940 \u0932\u094b\u0928 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928\u092a\u0942\u0930\u094d\u0935\u0915 \u092a\u0922\u093c\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u092a\u0928\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0914\u0930 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u092c\u0948\u0902\u0915 \u0914\u0930 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u091a\u092f\u0928 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"5-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%9c%e0%a4%ae%e0%a4%be-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>5. \u0906\u0935\u0947\u0926\u0928 \u091c\u092e\u093e \u0915\u0930\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0938\u092d\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0906\u0935\u0947\u0926\u0928 \u0915\u094b \u091c\u092e\u093e \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0906\u0935\u0947\u0926\u0928 \u091c\u092e\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0906\u092a\u0915\u094b \u090f\u0915 \u0930\u0947\u092b\u0930\u0947\u0902\u0938 \u0928\u0902\u092c\u0930 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0917\u093e, \u091c\u093f\u0938\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u0905\u092a\u0928\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"6-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%bf%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a5%80-%e0%a4%9c%e0%a4%be%e0%a4%82%e0%a4%9a-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>6. \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0947\u0902 \u0914\u0930 &#8220;\u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 \u0938\u094d\u091f\u0947\u091f\u0938&#8221; \u0938\u0947\u0915\u094d\u0936\u0928 \u092e\u0947\u0902 \u091c\u093e\u0915\u0930 \u0905\u092a\u0928\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u0917\u0930 \u0906\u092a\u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u092e\u0947\u0902 \u0915\u094b\u0908 \u0938\u092e\u0938\u094d\u092f\u093e \u0939\u094b, \u0924\u094b \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0926\u093f\u090f \u0917\u090f \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u092e\u093e\u0927\u093e\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0907\u0938 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0939\u0940 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u092a\u0942\u0930\u093e \u0915\u0930\u0915\u0947 \u0906\u092a \u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u093e \u0906\u0935\u0947\u0926\u0928 \u0938\u092b\u0932\u0924\u093e\u092a\u0942\u0930\u094d\u0935\u0915 \u091c\u092e\u093e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094d\u092f\u093e \u0939\u0948?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0924\u0939\u0924 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0930\u093e\u0936\u093f \u0915\u093e \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u090f\u0915 \u0938\u0930\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0928\u0940\u091a\u0947 \u0926\u0940 \u0917\u0908 \u0939\u0948:<\/span><\/p>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"1-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%85%e0%a4%b5%e0%a4%95%e0%a4%be%e0%a4%b6-%e0%a4%85%e0%a4%b5%e0%a4%a7%e0%a4%bf-moratorium-period\"><\/span><b>1. \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0915\u093e\u0936 \u0905\u0935\u0927\u093f (Moratorium Period):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915 \u090f\u0915 &#8220;\u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0915\u093e\u0936&#8221; \u0905\u0935\u0927\u093f \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0947 \u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u092d\u0940 \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0905\u0935\u0927\u093f \u0915\u094b\u0930\u094d\u0938 \u0915\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u092c\u0930\u093e\u092c\u0930 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0907\u0938\u0915\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 6 \u0938\u0947 12 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e \u0938\u092e\u092f \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u091b\u093e\u0924\u094d\u0930 \u0928\u094c\u0915\u0930\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0907\u0938 \u0905\u0935\u0927\u093f \u0915\u0947 \u0926\u094c\u0930\u093e\u0928, \u091b\u093e\u0924\u094d\u0930 \u0915\u094b \u090b\u0923 \u0915\u093e \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u0941\u091b \u092c\u0948\u0902\u0915 \u0907\u0938 \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u0915\u0947\u0935\u0932 \u0938\u093e\u0927\u093e\u0930\u0923 \u092c\u094d\u092f\u093e\u091c \u0932\u0947\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0947 \u091b\u093e\u0924\u094d\u0930 \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u0947 \u0915\u0940 \u092c\u093e\u0927\u094d\u092f\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u092f\u0926\u093f \u091b\u093e\u0924\u094d\u0930 \u0907\u0938 \u092c\u094d\u092f\u093e\u091c \u0915\u094b \u0938\u092e\u093e\u0928\u093e\u0902\u0924\u0930 \u092e\u0947\u0902 \u091a\u0941\u0915\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u0909\u0928\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"2-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%b5%e0%a4%bf%e0%a4%95%e0%a4%b2%e0%a5%8d%e0%a4%aa\"><\/span><b>2. \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0935\u093f\u0915\u0932\u094d\u092a:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"%e0%a4%88%e0%a4%8f%e0%a4%ae%e0%a4%86%e0%a4%88-%e0%a4%95%e0%a5%87-%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a5%8d%e0%a4%af%e0%a4%ae-%e0%a4%b8%e0%a5%87-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8\"><\/span><b>\u0908\u090f\u092e\u0906\u0908 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u0938\u092e\u093e\u092a\u094d\u0924 \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u091b\u093e\u0924\u094d\u0930 \u0915\u094b \u090b\u0923 \u0930\u093e\u0936\u093f \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0915\u094b \u0938\u092e\u093e\u0928 \u092e\u093e\u0938\u093f\u0915 \u0915\u093f\u0938\u094d\u0924\u094b\u0902 (Equated Monthly Installments \u092f\u093e EMI) \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u091a\u0941\u0915\u093e\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0908\u090f\u092e\u0906\u0908 \u0915\u0940 \u0930\u093e\u0936\u093f \u090b\u0923 \u0915\u0940 \u0930\u093e\u0936\u093f \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0924\u092f \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"%e0%a4%b2%e0%a4%9a%e0%a5%80%e0%a4%b2%e0%a4%be-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a4%be%e0%a4%b2-flexible-tenure\"><\/span><b>\u0932\u091a\u0940\u0932\u093e \u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0932 (Flexible Tenure):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915 \u0932\u091a\u0940\u0932\u093e \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0932 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u090b\u0923 \u0930\u093e\u0936\u093f \u0914\u0930 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 5 \u0938\u0947 15 \u0935\u0930\u094d\u0937\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u092e\u0947\u0902 \u092e\u093e\u0938\u093f\u0915 \u0915\u093f\u0938\u094d\u0924\u0947\u0902 \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0915\u0941\u0932 \u092c\u094d\u092f\u093e\u091c \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0935\u0939\u0940\u0902, \u091b\u094b\u091f\u0940 \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u092e\u093e\u0938\u093f\u0915 \u0915\u093f\u0938\u094d\u0924\u0947\u0902 \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u092c\u094d\u092f\u093e\u091c \u092a\u0930 \u092c\u091a\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"%e0%a4%97%e0%a5%8d%e0%a4%b0%e0%a5%87%e0%a4%9c%e0%a5%81%e0%a4%8f%e0%a4%9f%e0%a5%87%e0%a4%a1-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be\"><\/span><b>\u0917\u094d\u0930\u0947\u091c\u0941\u090f\u091f\u0947\u0921 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u092f\u094b\u091c\u0928\u093e:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u0941\u091b \u092c\u0948\u0902\u0915 \u092f\u0939 \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u092e\u0947\u0902 \u0908\u090f\u092e\u0906\u0908 \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925 \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092f\u0939 \u0935\u093f\u0915\u0932\u094d\u092a \u0909\u0928 \u0928\u090f \u0938\u094d\u0928\u093e\u0924\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u0948, \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0909\u092e\u094d\u092e\u0940\u0926 \u0939\u0948 \u0915\u093f \u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925 \u0909\u0928\u0915\u0940 \u0906\u092f \u092c\u0922\u093c\u0947\u0917\u0940\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"3-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%80-%e0%a4%aa%e0%a5%82%e0%a4%b0%e0%a5%8d%e0%a4%b5-%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-prepayment\"><\/span><b>3. \u090b\u0923 \u0915\u0940 \u092a\u0942\u0930\u094d\u0935-\u092d\u0941\u0917\u0924\u093e\u0928 (Prepayment):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u094b \u090b\u0923 \u0930\u093e\u0936\u093f \u0915\u094b \u0906\u0902\u0936\u093f\u0915 \u092f\u093e \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0932 \u0938\u092e\u093e\u092a\u094d\u0924 \u0939\u094b\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092a\u0942\u0930\u094d\u0935-\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0947 \u0915\u0908 \u092b\u093e\u092f\u0926\u0947 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 \u092c\u094d\u092f\u093e\u091c \u0915\u093e \u092c\u094b\u091d \u0915\u092e \u0939\u094b\u0928\u093e \u0914\u0930 \u090b\u0923 \u0915\u0940 \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u0915\u092e\u0940 \u0906\u0928\u093e\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u092a\u0942\u0930\u094d\u0935-\u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u0930 \u0915\u094b\u0908 \u0926\u0902\u0921 \u0928\u0939\u0940\u0902 \u0932\u0917\u093e\u0924\u0947, \u0935\u093f\u0936\u0947\u0937\u0915\u0930 \u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u092c\u093e\u0926\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u092a\u0942\u0930\u094d\u0935-\u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u0947 \u092a\u0939\u0932\u0947 \u092c\u0948\u0902\u0915 \u0938\u0947 \u092a\u0941\u0937\u094d\u091f\u093f \u0915\u0930 \u0932\u0947\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b8%e0%a4%be%e0%a4%ae%e0%a4%be%e0%a4%a8%e0%a5%8d%e0%a4%af-%e0%a4%9a%e0%a5%81%e0%a4%a8%e0%a5%8c%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%82-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88%e0%a4%82\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0902 \u0914\u0930 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table width=\"902\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\" width=\"193\"><b>\u00a0<\/b><\/td>\n<td style=\"text-align: center;\" width=\"337\"><b>\u091a\u0941\u0928\u094c\u0924\u0940<\/b><\/td>\n<td style=\"text-align: center;\" width=\"372\"><b>\u0938\u092e\u093e\u0927\u093e\u0928<\/b><\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u0932\u094b\u0928 \u0915\u0940 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0928\u093e<\/td>\n<td width=\"337\">\u091b\u093e\u0924\u094d\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930, \u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u0914\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0936\u0930\u094d\u0924\u094b\u0902 \u091c\u0948\u0938\u0940 \u0932\u094b\u0928 \u0915\u0940 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0928\u0947 \u092e\u0947\u0902 \u0915\u0920\u093f\u0928\u093e\u0908 \u092e\u0939\u0938\u0942\u0938 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td>\n<td width=\"372\">\u0932\u094b\u0928 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u094b\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u0938\u0947 \u092a\u0922\u093c\u0947\u0902 \u0914\u0930 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092d\u094d\u0930\u092e \u0915\u0947 \u0932\u093f\u090f \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0915\u093e\u0930\u093f\u092f\u094b\u0902 \u0938\u0947 \u0938\u094d\u092a\u0937\u094d\u091f\u0940\u0915\u0930\u0923 \u0932\u0947\u0902\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u0905\u0927\u0942\u0930\u0940\/\u0917\u0932\u0924 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940\u0915\u0930\u0923<\/td>\n<td width=\"337\">\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u094b\u0902 \u0915\u0940 \u0915\u092e\u0940 \u092f\u093e \u0917\u0932\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0932\u094b\u0928 \u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917 \u092e\u0947\u0902 \u0926\u0947\u0930\u0940 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/td>\n<td width=\"372\">\u0906\u0935\u0947\u0926\u0928 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u094b\u0902 \u0915\u0940 \u0938\u0942\u091a\u0940 \u0924\u0948\u092f\u093e\u0930 \u0915\u0930\u0947\u0902 \u0914\u0930 \u0905\u092a\u0932\u094b\u0921 \u0915\u093f\u090f \u0917\u090f \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u094b\u0902 \u0914\u0930 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u094b \u0926\u094b\u092c\u093e\u0930\u093e \u091c\u093e\u0902\u091a\u0947\u0902\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u0932\u094b\u0928 \u0935\u093f\u0924\u0930\u0923 \u092e\u0947\u0902 \u0926\u0947\u0930\u0940<\/td>\n<td width=\"337\">\u0932\u094b\u0928 \u0935\u093f\u0924\u0930\u0923 \u092e\u0947\u0902 \u0926\u0947\u0930\u0940 \u0938\u0947 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938 \u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0905\u0928\u094d\u092f \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u092a\u0930 \u0905\u0938\u0930 \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/td>\n<td width=\"372\">\u0932\u094b\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0938\u092e\u092f \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0939\u0932\u0947 \u0938\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0947\u0902 \u0914\u0930 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0924\u0947\u091c \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092c\u0948\u0902\u0915 \u0915\u0947 \u0938\u093e\u0925 \u0928\u093f\u092f\u092e\u093f\u0924 \u0938\u0902\u092a\u0930\u094d\u0915 \u092e\u0947\u0902 \u0930\u0939\u0947\u0902\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e\u090f\u0902<\/td>\n<td width=\"337\">\u0915\u0908 \u091b\u093e\u0924\u094d\u0930 CSIS \u091c\u0948\u0938\u0940 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u091c\u093e\u0928\u0924\u0947 \u0939\u0948\u0902\u0964<\/td>\n<td width=\"372\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0947\u0902 \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u092a\u0942\u091b\u0947\u0902 \u0915\u093f \u0915\u094d\u092f\u093e \u0906\u092a \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u0948\u0902\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e<\/td>\n<td width=\"337\">\u0928\u090f \u0938\u094d\u0928\u093e\u0924\u0915\u094b\u0902 \u0915\u094b \u0915\u092e \u092a\u094d\u0930\u093e\u0930\u0902\u092d\u093f\u0915 \u0906\u092f \u092f\u093e \u0928\u094c\u0915\u0930\u0940 \u0915\u0940 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0915\u0947 \u0915\u093e\u0930\u0923 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u0915\u0920\u093f\u0928\u093e\u0908 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/td>\n<td width=\"372\">\u0932\u0902\u092c\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0935\u093f\u0915\u0932\u094d\u092a \u0914\u0930 \u0917\u094d\u0930\u0947\u091c\u0941\u090f\u091f\u0947\u0921 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u093e \u091a\u092f\u0928 \u0915\u0930\u0947\u0902\u0964<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%a7%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%a8-%e0%a4%a6%e0%a5%87%e0%a4%a8%e0%a5%87-%e0%a4%af%e0%a5%8b%e0%a4%97%e0%a5%8d%e0%a4%af-%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%ac%e0%a4%be%e0%a4%a4%e0%a5%87%e0%a4%82\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093e\u0924\u0947\u0902<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0924\u0947 \u0938\u092e\u092f, \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0930\u0932 \u0914\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0941\u091b \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093f\u0902\u0926\u0941\u0913\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0928\u093e \u091a\u093e\u0939\u093f\u090f:<\/span><\/p>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"1-%e0%a4%aa%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%ae%e0%a4%be%e0%a4%a8%e0%a4%a6%e0%a4%82%e0%a4%a1\"><\/span><b>1. \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0947\u0902 \u0915\u093f \u0906\u092a \u090b\u0923 \u0915\u0947 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u092e\u0947\u0902 \u090f\u0915 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0935\u093f\u0936\u094d\u0935\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u092f \u0938\u0947 \u092a\u094d\u0930\u0935\u0947\u0936 \u092a\u0924\u094d\u0930, \u0915\u094b\u0930\u094d\u0938 \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930, \u0914\u0930 \u0938\u0939-\u0906\u0935\u0947\u0926\u0915 \u0915\u0940 \u0906\u092f \u091c\u0948\u0938\u0940 \u0936\u0930\u094d\u0924\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u091c\u093f\u0938 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0906\u092a \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0909\u0938\u0915\u0947 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0928\u093f\u092f\u092e \u0914\u0930 \u0936\u0930\u094d\u0924\u0947\u0902 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0938\u092e\u091d \u0932\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"2-%e0%a4%8b%e0%a4%a3-%e0%a4%b0%e0%a4%be%e0%a4%b6%e0%a4%bf-%e0%a4%94%e0%a4%b0-%e0%a4%95%e0%a4%b5%e0%a4%b0%e0%a5%87%e0%a4%9c\"><\/span><b>2. \u090b\u0923 \u0930\u093e\u0936\u093f \u0914\u0930 \u0915\u0935\u0930\u0947\u091c:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u092e\u091d\u0947\u0902 \u0915\u093f \u090b\u0923 \u0915\u093f\u0928-\u0915\u093f\u0928 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0947\u0917\u093e, \u091c\u0948\u0938\u0947 \u0915\u093f \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938, \u0906\u0935\u093e\u0938 \u0935\u094d\u092f\u092f, \u0914\u0930 \u092f\u093e\u0924\u094d\u0930\u093e \u0916\u0930\u094d\u091a\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092f\u0926\u093f \u0906\u092a \u0915\u093f\u0938\u0940 \u0909\u091a\u094d\u091a \u0932\u093e\u0917\u0924 \u0935\u093e\u0932\u0947 \u0915\u094b\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u091c\u093e \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0939 \u0906\u0915\u0932\u0928 \u0915\u0930\u0947\u0902 \u0915\u093f \u090b\u0923 \u0906\u092a\u0915\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930 \u0930\u0939\u093e \u0939\u0948 \u092f\u093e \u0928\u0939\u0940\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"3-%e0%a4%ac%e0%a5%8d%e0%a4%af%e0%a4%be%e0%a4%9c-%e0%a4%a6%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ac%e0%a5%8d%e0%a4%b8%e0%a4%bf%e0%a4%a1%e0%a5%80\"><\/span><b>3. \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0914\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0938\u092c\u0938\u0947 \u0915\u093f\u092b\u093e\u092f\u0924\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0909\u092a\u0932\u092c\u094d\u0927 \u0938\u092d\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0940 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092f\u0939 \u092d\u0940 \u091c\u093e\u0902\u091a\u0947\u0902 \u0915\u093f \u0915\u094d\u092f\u093e \u0906\u092a \u0915\u093f\u0938\u0940 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e, \u091c\u0948\u0938\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e\u091c\u094b\u0930 \u0935\u0930\u094d\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f &#8220;\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e&#8221; (CSIS), \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u0948\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"4-%e0%a4%aa%e0%a5%81%e0%a4%a8%e0%a4%b0%e0%a5%8d%e0%a4%ad%e0%a5%81%e0%a4%97%e0%a4%a4%e0%a4%be%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%b6%e0%a4%b0%e0%a5%8d%e0%a4%a4%e0%a5%87%e0%a4%82\"><\/span><b>4. \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0936\u0930\u094d\u0924\u0947\u0902:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u090b\u0923 \u0915\u094b \u0905\u0902\u0924\u093f\u092e \u0930\u0942\u092a \u0926\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0905\u0935\u0927\u093f, \u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f, \u0914\u0930 \u0908\u090f\u092e\u0906\u0908 \u0938\u0902\u0930\u091a\u0928\u093e \u0915\u0940 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0906\u092f \u092e\u0947\u0902 \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u094b\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0939\u0948, \u0924\u094b &#8220;\u0917\u094d\u0930\u0947\u091c\u0941\u090f\u091f\u0947\u0921 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u092f\u094b\u091c\u0928\u093e&#8221; \u091c\u0948\u0938\u0947 \u0932\u091a\u0940\u0932\u0947 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"5-%e0%a4%b8%e0%a4%ae%e0%a4%af-%e0%a4%aa%e0%a4%b0-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%9c%e0%a4%ae%e0%a4%be-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>5. \u0938\u092e\u092f \u092a\u0930 \u0906\u0935\u0947\u0926\u0928 \u091c\u092e\u093e \u0915\u0930\u0947\u0902:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u090b\u0923 \u0915\u0947 \u0935\u093f\u0924\u0930\u0923 \u092e\u0947\u0902 \u0926\u0947\u0930\u0940 \u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u092e\u092f \u092a\u0930 \u0905\u092a\u0928\u093e \u0906\u0935\u0947\u0926\u0928 \u091c\u092e\u093e \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0926\u0947\u0930\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938 \u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0905\u0928\u094d\u092f \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0938\u092e\u092f-\u0938\u0940\u092e\u093e\u0913\u0902 \u092e\u0947\u0902 \u0938\u092e\u0938\u094d\u092f\u093e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"6-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%80-%e0%a4%a4%e0%a5%81%e0%a4%b2%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>6. \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u090f \u0917\u090f \u090b\u0923\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902\u0964 \u0909\u0928\u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902, \u090b\u0923 \u0938\u0940\u092e\u093e, \u0914\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"7-%e0%a4%8b%e0%a4%a3-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%ac%e0%a4%82%e0%a4%a7-%e0%a4%95%e0%a5%8b-%e0%a4%b8%e0%a4%ae%e0%a4%9d%e0%a5%87%e0%a4%82\"><\/span><b>7. \u090b\u0923 \u0905\u0928\u0941\u092c\u0902\u0927 \u0915\u094b \u0938\u092e\u091d\u0947\u0902:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u090b\u0923 \u0915\u0940 \u0936\u0930\u094d\u0924\u094b\u0902 \u0914\u0930 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928\u092a\u0942\u0930\u094d\u0935\u0915 \u092a\u0922\u093c\u0947\u0902\u0964 \u0907\u0938\u092e\u0947\u0902 \u090b\u0923 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0936\u0941\u0932\u094d\u0915, \u0926\u0902\u0921, \u0914\u0930 \u092a\u0942\u0930\u094d\u0935-\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0947 \u0935\u093f\u0915\u0932\u094d\u092a \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092f\u0926\u093f \u0915\u093f\u0938\u0940 \u092d\u0940 \u0936\u0930\u094d\u0924 \u092f\u093e \u0916\u0902\u0921 \u0915\u094b \u0932\u0947\u0915\u0930 \u0915\u094b\u0908 \u0905\u0938\u094d\u092a\u0937\u094d\u091f\u0924\u093e \u0939\u0948, \u0924\u094b \u092c\u0948\u0902\u0915 \u0905\u0927\u093f\u0915\u093e\u0930\u0940 \u0938\u0947 \u0938\u0902\u092a\u0930\u094d\u0915 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u092f\u0926\u093f \u091b\u093e\u0924\u094d\u0930 \u0907\u0928 \u0938\u092d\u0940 \u092c\u093f\u0902\u0926\u0941\u0913\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0924\u0947 \u0939\u0941\u090f \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0935\u0947 \u090f\u0915 \u0938\u0942\u091a\u093f\u0924 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0905\u092a\u0928\u0940 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u092f\u093e\u0924\u094d\u0930\u093e \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0939\u093e\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%aa%e0%a5%8b%e0%a4%b0%e0%a5%8d%e0%a4%9f%e0%a4%b2-%e0%a4%aa%e0%a4%b0-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%bf%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%9f%e0%a5%8d%e0%a4%b0%e0%a5%88%e0%a4%95-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0948\u0938\u0947 \u091f\u094d\u0930\u0948\u0915 \u0915\u0930\u0947\u0902?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0905\u092a\u0928\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0928\u093e \u090f\u0915 \u0938\u0930\u0932 \u0914\u0930 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e-\u0905\u0928\u0941\u0915\u0942\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0939\u0948\u0964 \u0905\u092a\u0928\u0940 \u0906\u0935\u0947\u0926\u0928 \u0938\u094d\u0925\u093f\u0924\u093f \u091c\u093e\u0928\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u0940\u091a\u0947 \u0926\u093f\u090f \u0917\u090f \u091a\u0930\u0923\u094b\u0902 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0947\u0902:<\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0915\u0940 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u092a\u0930 \u091c\u093e\u090f\u0902:<\/b><b><br \/>\n<\/b><a href=\"https:\/\/www.vidyalakshmi.co.in\/Students\/\"> <span style=\"font-weight: 400;\">https:\/\/www.vidyalakshmi.co.in\/Students\/<\/span><\/a><span style=\"font-weight: 400;\"> \u0932\u093f\u0902\u0915 \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0947\u0902 \u0914\u0930 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u201c\u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 \u0938\u094d\u091f\u0947\u091f\u0938\u201d \u092c\u091f\u0928 \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u0921\u0948\u0936\u092c\u094b\u0930\u094d\u0921 \u092a\u0930 \u0906\u092a\u0915\u094b \u201c\u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 \u0938\u094d\u091f\u0947\u091f\u0938\u201d \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092e\u093f\u0932\u0947\u0917\u093e\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0926\u0947\u0916\u0947\u0902:<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">&#8220;\u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 \u0938\u094d\u091f\u0947\u091f\u0938&#8221; \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0906\u092a \u0905\u092a\u0928\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0938\u092c\u092e\u093f\u091f \u0915\u093f\u090f \u0917\u090f \u0938\u092d\u0940 \u0906\u0935\u0947\u0926\u0928\u094b\u0902 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u0939\u0930 \u091a\u0930\u0923 \u092a\u0930 \u0905\u092a\u0921\u0947\u091f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u093e\u0915\u093f \u0906\u092a \u0907\u0938\u0915\u0940 \u092a\u094d\u0930\u0917\u0924\u093f \u0938\u0947 \u0905\u0935\u0917\u0924 \u0930\u0939\u0947\u0902\u0964<\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> \u091c\u0948\u0938\u0947 \u0939\u0940 \u0906\u092a\u0915\u093e \u090b\u0923 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0939\u094b\u0917\u093e, \u0909\u0938\u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0926\u093f\u0916\u093e\u0908 \u0926\u0947\u0917\u0940\u0964<\/span><\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<h3 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%a4%e0%a5%87%e0%a4%9c-%e0%a4%95%e0%a4%b0%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b8%e0%a5%81%e0%a4%9d%e0%a4%be%e0%a4%b5\"><\/span><b>\u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0924\u0947\u091c \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0941\u091d\u093e\u0935:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0905\u092a\u0928\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u091f\u094d\u0930\u0948\u0915 \u0915\u0930\u0924\u0947 \u0930\u0939\u0947\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> \u092f\u0926\u093f \u092c\u0948\u0902\u0915 \u0915\u094b \u0906\u092a\u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0915\u093f\u0938\u0940 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092f\u093e \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b, \u0924\u094b \u0909\u0928\u0915\u0940 queries \u0915\u093e \u0938\u092e\u092f \u092a\u0930 \u0909\u0924\u094d\u0924\u0930 \u0926\u0947\u0902\u0964 \u0907\u0938\u0938\u0947 \u0906\u092a\u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0924\u0947\u091c \u0939\u094b \u091c\u093e\u090f\u0917\u0940\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%80-%e0%a4%85%e0%a4%a8%e0%a5%8d%e0%a4%af-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be%e0%a4%93%e0%a4%82-%e0%a4%b8%e0%a5%87-%e0%a4%a4%e0%a5%81%e0%a4%b2%e0%a4%a8%e0%a4%be\"><\/span><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0940 \u0905\u0928\u094d\u092f \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0938\u0947 \u0924\u0941\u0932\u0928\u093e<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u0942\u091a\u093f\u0924 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0928\u0947 \u0939\u0947\u0924\u0941 \u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0940 \u0905\u0928\u094d\u092f \u0932\u094b\u0915\u092a\u094d\u0930\u093f\u092f \u090b\u0923 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0924\u0941\u0932\u0928\u093e \u092f\u0939\u093e\u0902 \u0926\u0940 \u0917\u0908 \u0939\u0948: \u2013<\/span><\/p>\n<table width=\"1186\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\" width=\"193\"><b>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/b><\/td>\n<td style=\"text-align: center;\" width=\"337\"><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923<\/b><\/td>\n<td style=\"text-align: center;\" width=\"372\"><b>CSIS (\u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u0938\u0947\u0915\u094d\u091f\u0930 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0938\u092c\u094d\u0938\u093f\u0921\u0940)<\/b><\/td>\n<td style=\"text-align: center;\" width=\"284\"><b>CGFSEL (\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0917\u093e\u0930\u0902\u091f\u0940 \u092b\u0902\u0921 \u0938\u094d\u0915\u0940\u092e \u092b\u0949\u0930 \u090f\u091c\u0941\u0915\u0947\u0936\u0928 \u0932\u094b\u0928)<\/b><\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f<\/td>\n<td width=\"337\">\u092f\u0939 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u090f\u0915 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u0939\u093e\u0902 \u0938\u0947 \u0935\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td>\n<td width=\"372\">\u092f\u0939 \u0908\u0921\u092c\u094d\u0932\u094d\u092f\u0942\u090f\u0938 (\u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e\u091c\u094b\u0930 \u0935\u0930\u094d\u0917) \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u092c\u094d\u092f\u093e\u091c \u092a\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td>\n<td width=\"284\">\u092f\u0939 \u0938\u092e\u093e\u091c \u0915\u0947 \u0915\u092e\u091c\u094b\u0930 \u0935\u0930\u094d\u0917 \u0915\u0947 \u092a\u093e\u0924\u094d\u0930 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u092c\u093f\u0928\u093e \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0947 \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u090b\u0923 \u0930\u093e\u0936\u093f<\/td>\n<td width=\"337\">\u090b\u0923 \u0930\u093e\u0936\u093f \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092d\u093f\u0928\u094d\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u20b97.5 \u0932\u093e\u0916 \u0924\u0915 \u0915\u0947 \u092c\u093f\u0928\u093e \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0947 \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td>\n<td width=\"372\">\u0907\u0938\u092e\u0947\u0902 \u090b\u0923 \u0930\u093e\u0936\u093f \u0915\u0940 \u0915\u094b\u0908 \u0938\u0940\u092e\u093e \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u092f\u0939 \u092e\u0942\u0932 \u090b\u0923 \u092f\u094b\u091c\u0928\u093e \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td>\n<td width=\"284\">\u092f\u0939 \u20b97.5 \u0932\u093e\u0916 \u0924\u0915 \u0915\u093e \u090b\u0923 \u0915\u0935\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u092c\u094d\u092f\u093e\u091c \u0926\u0930<\/td>\n<td width=\"337\">\u092c\u0948\u0902\u0915 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092d\u093f\u0928\u094d\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092a\u094b\u0930\u094d\u091f\u0932 \u0909\u0927\u093e\u0930\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u0947 \u092c\u0940\u091a \u0924\u0941\u0932\u0928\u093e \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td>\n<td width=\"372\">\u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u0926\u094c\u0930\u093e\u0928, \u092c\u094d\u092f\u093e\u091c \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0926\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/td>\n<td width=\"284\">\u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u092e\u093e\u0928\u0915 \u0926\u0930\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u092a\u093e\u0924\u094d\u0930\u0924\u093e<\/td>\n<td width=\"337\">\u092f\u0939 \u0909\u0928 \u0938\u092d\u0940 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0916\u0941\u0932\u093e \u0939\u0948, \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0935\u093f\u0936\u094d\u0935\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u092f \u0938\u0947 \u092a\u094d\u0930\u0935\u0947\u0936 \u092a\u0924\u094d\u0930 \u0939\u0948 \u0914\u0930 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0940 \u0906\u092f \u20b94-5 \u0932\u093e\u0916 \u0915\u0947 \u092c\u0940\u091a \u0939\u0948\u0964<\/td>\n<td width=\"372\">\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u092a\u093e\u0930\u093f\u0935\u093e\u0930\u093f\u0915 \u0906\u092f \u20b94.5 \u0932\u093e\u0916 (\u0908\u0921\u092c\u094d\u0932\u094d\u092f\u0942\u090f\u0938 \u0936\u094d\u0930\u0947\u0923\u0940) \u0924\u0915 \u0935\u093e\u0932\u0947 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0916\u0941\u0932\u093e \u0939\u0948\u0964<\/td>\n<td width=\"284\">\u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0914\u0930 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u092a\u093e\u0924\u094d\u0930 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0916\u0941\u0932\u093e \u0939\u0948\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e<\/td>\n<td width=\"337\">\u092f\u0939 \u090f\u0915\u0932 \u0916\u093f\u0921\u093c\u0915\u0940 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u092b\u0949\u0930\u094d\u092e (CELAF) \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/td>\n<td width=\"372\">\u0906\u0935\u0947\u0926\u0928 \u092e\u0942\u0932 \u090b\u0923 \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915\u0940\u0915\u0943\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0905\u0932\u0917 \u0938\u0947 \u0932\u093e\u0917\u0942 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/td>\n<td width=\"284\">\u092a\u093e\u0924\u094d\u0930 \u090b\u0923 \u0915\u0947 \u0906\u0935\u0947\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u0940\u0927\u0947 \u092a\u0947\u0936 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/td>\n<\/tr>\n<tr>\n<td width=\"193\">\u092e\u0941\u0916\u094d\u092f \u0932\u093e\u092d<\/td>\n<td width=\"337\">\u0915\u0908 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u090f\u0915 \u0939\u0940 \u092c\u093e\u0930 \u092e\u0947\u0902 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924, \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092c\u093e\u0930-\u092c\u093e\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940\u0915\u0930\u0923 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/td>\n<td width=\"372\">\u090b\u0923 \u0915\u0940 \u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u092a\u093e\u0924\u094d\u0930 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u094d\u092f\u093e\u091c \u092a\u0930 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u091a\u0924\u0964<\/td>\n<td width=\"284\">\u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0940 \u091a\u093f\u0902\u0924\u093e \u0915\u093f\u090f \u092c\u093f\u0928\u093e \u0915\u092e\u091c\u094b\u0930 \u0935\u0930\u094d\u0917 \u0915\u0947 \u092a\u093e\u0924\u094d\u0930 \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0927\u0928 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%9b%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b8%e0%a4%b9%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%9a%e0%a5%81%e0%a4%a8%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a5%87-%e0%a4%9f%e0%a4%bf%e0%a4%aa%e0%a5%8d%e0%a4%b8\"><\/span><b>\u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u091a\u0941\u0928\u0928\u0947 \u0915\u0947 \u091f\u093f\u092a\u094d\u0938<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0905\u092a\u0928\u0940 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u0905\u092a\u0928\u0947 \u0915\u094b\u0930\u094d\u0938 \u0915\u0940 \u0932\u093e\u0917\u0924, \u091c\u0948\u0938\u0947 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938, \u0930\u0939\u0928\u0947 \u0915\u093e \u0916\u0930\u094d\u091a, \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0947\u0902 \u0914\u0930 \u0909\u0938\u0940 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u090b\u0923 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0924\u092f \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0926\u0940 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902 \u0924\u093e\u0915\u093f \u0906\u092a \u0938\u092c\u0938\u0947 \u0915\u093f\u092b\u093e\u092f\u0924\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u093e \u091a\u092f\u0928 \u0915\u0930 \u0938\u0915\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0905\u0935\u0927\u093f, \u0908\u090f\u092e\u0906\u0908 \u0938\u0902\u0930\u091a\u0928\u093e, \u0914\u0930 \u092b\u094d\u0932\u0947\u0915\u094d\u0938\u093f\u092c\u0932 \u092d\u0941\u0917\u0924\u093e\u0928 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 (Collateral) \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0915\u094b \u0938\u092e\u091d\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u092f\u0939 \u091c\u093e\u0902\u091a\u0947\u0902 \u0915\u093f \u0915\u094d\u092f\u093e \u092c\u0948\u0902\u0915 \u0915\u094b \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u094b\u0908 \u0917\u093e\u0930\u0902\u091f\u0940 \u092f\u093e \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0948, \u0914\u0930 \u092f\u0939 \u0906\u092a\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0939\u0948 \u092f\u093e \u0928\u0939\u0940\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u092e\u094b\u0930\u0947\u091f\u094b\u0930\u093f\u092f\u092e \u0905\u0935\u0927\u093f (\u091c\u093f\u0938\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0915\u093e\u0936 \u092d\u0940 \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948) \u0915\u094b \u0938\u092e\u091d\u0947\u0902 \u0914\u0930 \u0926\u0947\u0916\u0947\u0902 \u0915\u093f \u092f\u0939 \u0906\u092a\u0915\u0947 \u0915\u094b\u0930\u094d\u0938 \u0914\u0930 \u0928\u094c\u0915\u0930\u0940 \u092a\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0938\u092e\u092f \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u092f\u093e \u0928\u0939\u0940\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902:<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0947\u0902 \u0915\u093f \u0915\u094d\u092f\u093e \u0906\u092a \u0915\u093f\u0938\u0940 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e\u091c\u094b\u0930 \u0935\u0930\u094d\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092f\u094b\u091c\u0928\u093e (CSIS)\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a6%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b2%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%8d%e0%a4%ae%e0%a5%80-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%a4%e0%a4%b9%e0%a4%a4-%e0%a4%85%e0%a4%a7%e0%a4%bf%e0%a4%95%e0%a4%a4%e0%a4%ae-%e0%a4%8b%e0%a4%a3-%e0%a4%b0%e0%a4%be%e0%a4%b6%e0%a4%bf-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924 \u0905\u0927\u093f\u0915\u0924\u092e \u090b\u0923 \u0930\u093e\u0936\u093f \u0915\u094d\u092f\u093e \u0939\u0948?<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924 \u0905\u0927\u093f\u0915\u0924\u092e \u20b94 \u0932\u093e\u0916 \u0924\u0915 \u0915\u093e \u090b\u0923 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u090b\u0923 \u0915\u0940 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0927\u093f 15 \u0938\u093e\u0932 \u0924\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 8.40% \u0938\u0947 \u0936\u0941\u0930\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948, \u0939\u093e\u0932\u093e\u0902\u0915\u093f \u092f\u0939 \u0905\u0932\u0917-\u0905\u0932\u0917 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092d\u093f\u0928\u094d\u0928 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/span><\/p>\n<h2 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"%e0%a4%8b%e0%a4%a3-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a5%80-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%95%e0%a5%8d%e0%a4%b0%e0%a4%bf%e0%a4%af%e0%a4%be-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%95%e0%a4%bf%e0%a4%a4%e0%a4%a8%e0%a4%be-%e0%a4%b8%e0%a4%ae%e0%a4%af-%e0%a4%b2%e0%a4%97%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 \u0915\u093f\u0924\u0928\u093e \u0938\u092e\u092f \u0932\u0917\u0924\u093e \u0939\u0948?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u092a\u094b\u0930\u094d\u091f\u0932 \u092a\u0930 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u093e \u0938\u092e\u092f \u0905\u0932\u0917-\u0905\u0932\u0917 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0932\u0917 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930, \u092f\u0939 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e 30 \u0926\u093f\u0928\u094b\u0902 \u0938\u0947 \u0915\u092e \u0938\u092e\u092f \u092e\u0947\u0902 \u092a\u0942\u0930\u0940 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u094b\u0902 \u0915\u0940 \u0915\u092e\u0940 \u092f\u093e \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092e\u093e\u0902\u0917\u0947 \u091c\u093e\u0928\u0947 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0926\u0947\u0930\u0940 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> \u0907\u0938\u0932\u093f\u090f, \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u094b \u0938\u092e\u092f \u092a\u0930 \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0938\u092d\u0940 \u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u092a\u0939\u0932\u0947 \u0938\u0947 \u0924\u0948\u092f\u093e\u0930 \u0930\u0916\u0928\u0947 \u091a\u093e\u0939\u093f\u090f\u0964<\/span><\/p>\n<h2 style=\"padding-left: 40px;\"><span class=\"ez-toc-section\" id=\"%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%ae%e0%a5%88%e0%a4%82-%e0%a4%b6%e0%a4%bf%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a4%be-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%86%e0%a4%b5%e0%a5%87%e0%a4%a6%e0%a4%a8-%e0%a4%95%e0%a4%b0-%e0%a4%b8%e0%a4%95%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%82%e0%a4%82-%e0%a4%af%e0%a4%a6%e0%a4%bf-%e0%a4%ae%e0%a5%88%e0%a4%82-%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%a8%e0%a4%be%e0%a4%97%e0%a4%b0%e0%a4%bf%e0%a4%95-%e0%a4%a8%e0%a4%b9%e0%a5%80%e0%a4%82-%e0%a4%b9%e0%a5%82%e0%a4%82\"><\/span><span style=\"font-weight: 400;\"><b>\u0915\u094d\u092f\u093e \u092e\u0948\u0902 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0902 \u092f\u0926\u093f \u092e\u0948\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093e\u0917\u0930\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u0942\u0902?<\/b><br \/>\n<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0928\u0939\u0940\u0902, \u092f\u0926\u093f \u0906\u092a \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093e\u0917\u0930\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u0948\u0902 \u0924\u094b \u0906\u092a \u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u0936\u093f\u0915\u094d\u0937\u093e \u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0938\u0915\u0924\u0947\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u091b\u093e\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u0915\u094b \u0938\u092e\u0930\u094d\u0925\u0928 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u0928\u093e\u0908 \u0917\u0908 \u0939\u0948\u0964<br \/>\n\u090b\u0923 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u0906\u0935\u0947\u0926\u0915 \u0915\u094b \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e, \u091c\u093f\u0938\u092e\u0947\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u0928\u093e\u0917\u0930\u093f\u0915 \u0939\u094b\u0928\u093e \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u0948\u0964<br \/>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0936\u093f\u0915\u094d\u0937\u093e \u0915\u093f\u0938\u0940 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u0909\u0928\u094d\u0928\u0924\u093f \u0914\u0930 \u0926\u0947\u0936 \u0915\u0947 \u0935\u093f\u0915\u093e\u0938 \u0915\u0940 \u0928\u0940\u0902\u0935 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u0915\u0947 \u092f\u0941\u0935\u093e\u0913\u0902 \u0915\u094b \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0928\u093e \u0939\u092e\u093e\u0930\u0947 \u0926\u0947\u0936 \u0915\u094b \u092a\u094d\u0930\u0917\u0924\u093f \u0915\u0940 \u0913\u0930 \u0932\u0947 \u091c\u093e\u0928\u0947 \u0915\u093e \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0915\u0926\u092e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0915\u0908 \u0939\u094b\u0928\u0939\u093e\u0930 \u091b\u093e\u0924\u094d\u0930 \u0910\u0938\u0947 \u092d\u0940 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u0905\u092a\u0928\u0940 \u092a\u0922\u093c\u093e\u0908 \u092e\u0947\u0902 \u0909\u0924\u094d\u0915\u0943\u0937\u094d\u091f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":304180,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u090f\u091c\u0941\u0915\u0947\u0936\u0928 \u0932\u094b\u0928: \u092a\u094b\u0930\u094d\u091f\u0932 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0911\u0928\u0932\u093e\u0907\u0928 \u0906\u0935\u0947\u0926\u0928 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902","_seopress_titles_desc":"\u0935\u093f\u0926\u094d\u092f\u093e \u0932\u0915\u094d\u0937\u094d\u092e\u0940 \u090f\u091c\u0941\u0915\u0947\u0936\u0928 \u0932\u094b\u0928 \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u092a\u0942\u0930\u0940 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