{"id":307592,"date":"2025-03-24T05:38:12","date_gmt":"2025-03-24T05:38:12","guid":{"rendered":"https:\/\/www.paymeindia.in\/blog\/?p=307592"},"modified":"2025-03-31T12:40:15","modified_gmt":"2025-03-31T12:40:15","slug":"%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/","title":{"rendered":"\u090f\u092b\u0913\u0906\u0908\u0906\u0930 (FOIR) \u0915\u094d\u092f\u093e \u0939\u0948?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947, \u0938\u092d\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928, \u0938\u093e\u0925 \u0939\u0940 \u092c\u0948\u0902\u0915 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u094b \u0915\u0920\u094b\u0930 \u0930\u0942\u092a \u0938\u0947 \u091c\u093e\u0902\u091a\u0924\u0947 \u0939\u0948\u0902. \u091c\u092c \u0915\u094b\u0908 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u092f\u093e \u0915\u093f\u0938\u0940 \u0926\u0942\u0938\u0930\u0947 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u0924\u094b \u0932\u094b\u0928 \u090f\u092a\u094d\u0932\u0940\u0915\u0947\u0936\u0928 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0939\u094b\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0909\u0928\u094d\u0939\u0947\u0902 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u091c\u093e\u0902\u091a\u094b\u0902 \u0915\u0940 \u090f\u0915 \u0915\u094d\u0930\u092e \u0938\u0947 \u0917\u0941\u091c\u0930\u0928\u093e \u092a\u095c\u0924\u093e \u0939\u0948. \u0915\u094d\u092f\u0942\u0902\u0915\u093f \u0915\u093f\u0938\u0940 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u0932\u094b\u0928 \u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u094b \u091c\u093e\u0928\u0928\u093e \u095b\u0930\u0942\u0930\u0940 \u0939\u0948 \u0915\u0940 \u0935\u094b \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930 \u092a\u093e\u092f\u0947\u0917\u093e \u092f\u093e \u0928\u0939\u0940\u0902\u0964 \u0905\u0917\u0930 \u0910\u0938\u093e \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0924\u094b \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948 \u092c\u0948\u0902\u0915 \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928 \u0909\u0920\u093e\u0928\u093e \u092a\u095c\u0947 \u0905\u0917\u0930 \u0906\u0935\u0947\u0926\u0928\u0915\u0930\u094d\u0924\u093e \u0932\u094b\u0928 \u0938\u092e\u092f \u092a\u0930 \u0928\u0939\u0940\u0902 \u091a\u0942\u0915\u093e \u092a\u0924\u093e \u0939\u0948. \u0907\u0928 \u0938\u092c \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0939\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0906\u0935\u0947\u0926\u0915\u0915\u0930\u094d\u0924\u093e \u0915\u0947 \u092c\u0948\u0915\u0917\u094d\u0930\u093e\u0909\u0902\u0921 \u0915\u0940 \u0915\u095c\u0940 \u091c\u093e\u0902\u091a \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0910\u0938\u0947 \u0939\u0940 \u0915\u0941\u091b \u0915\u093e\u0930\u0915 \u0939\u0948\u0902 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u092c\u0948\u0902\u0915 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0906\u0935\u0947\u0926\u0928 \u090f\u092a\u094d\u0932\u0940\u0915\u0947\u0936\u0928 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0926\u0947\u0916\u0924\u093e \u0939\u0948\u0964 \u0909\u0928\u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u0906\u092f \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u0947 \u0932\u093f\u090f \u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0939\u0948\u0964<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u090f\u092b\u0913\u0906\u0908\u0906\u0930 \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\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%8b-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%95%e0%a5%88%e0%a4%b2%e0%a4%95%e0%a5%81%e0%a4%b2%e0%a5%87%e0%a4%9f-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\" >\u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0915\u094b \u0915\u0948\u0938\u0947 \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f \u0915\u0930\u0947\u0902?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%88%e0%a4%b2%e0%a4%95%e0%a5%81%e0%a4%b2%e0%a5%87%e0%a4%9f-%e0%a4%95%e0%a4%b0%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a4%be-%e0%a4%ab%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%ae%e0%a5%82%e0%a4%b2%e0%a4%be\" >\u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f \u0915\u0930\u0928\u0947 \u0915\u093e \u092b\u093e\u0930\u094d\u092e\u0942\u0932\u093e:<\/a><\/li><\/ul><\/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\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%a8%e0%a4%bf%e0%a4%b6%e0%a5%8d%e0%a4%9a%e0%a4%bf%e0%a4%a4-%e0%a4%a6%e0%a4%be%e0%a4%af%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%b5-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\" >\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935 \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-5\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%b8%e0%a5%8d%e0%a4%b5%e0%a5%80%e0%a4%95%e0%a5%83%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%ac%e0%a5%87%e0%a4%b9%e0%a4%a4%e0%a4%b0%e0%a5%80%e0%a4%a8-%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0\" >\u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u090f\u092b\u0913\u0906\u0908\u0906\u0930<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%b5%e0%a4%bf%e0%a4%ad%e0%a4%bf%e0%a4%a8%e0%a5%8d%e0%a4%a8-loans-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%b6%e0%a4%82%e0%a4%b8%e0%a4%bf%e0%a4%a4-foir-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%bf%e0%a4%b6%e0%a4%a4\" >\u0935\u093f\u092d\u093f\u0928\u094d\u0928 Loans \u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u0936\u0902\u0938\u093f\u0924 FOIR \u092a\u094d\u0930\u0924\u093f\u0936\u0924:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%8b%e0%a4%a3%e0%a4%a6%e0%a4%be%e0%a4%a4%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%b8%e0%a4%be%e0%a4%b0-%e0%a4%ad%e0%a4%bf%e0%a4%a8%e0%a5%8d%e0%a4%a8%e0%a4%a4%e0%a4%be%e0%a4%8f%e0%a4%82-%e0%a4%94%e0%a4%b0-%e0%a4%ae%e0%a4%82%e0%a4%9c%e0%a5%82%e0%a4%b0%e0%a5%80-%e0%a4%95%e0%a5%87-%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%ae\" >\u090b\u0923\u0926\u093e\u0924\u093e \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092d\u093f\u0928\u094d\u0928\u0924\u093e\u090f\u0902 \u0914\u0930 \u092e\u0902\u091c\u0942\u0930\u0940 \u0915\u0947 \u0928\u093f\u092f\u092e<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#foir-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%86%e0%a4%aa%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%95%e0%a5%8b-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5%e0%a4%bf%e0%a4%a4-%e0%a4%95%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\" >FOIR \u0915\u0948\u0938\u0947 \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\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-9\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%89%e0%a4%9a%e0%a5%8d%e0%a4%9a-foir-%e0%a4%85%e0%a4%b8%e0%a5%8d%e0%a4%b5%e0%a5%80%e0%a4%95%e0%a5%83%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a4%be-%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%95-%e0%a4%ac%e0%a4%a2%e0%a4%bc%e0%a4%a8%e0%a4%be\" >\u0909\u091a\u094d\u091a FOIR: \u0905\u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u093e \u0930\u093f\u0938\u094d\u0915 \u092c\u095d\u0928\u093e\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%85%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a5%82%e0%a4%b5%e0%a4%b2-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%85%e0%a4%aa%e0%a4%a8%e0%a5%87-foir-%e0%a4%95%e0%a5%8b-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%b8%e0%a5%81%e0%a4%a7%e0%a4%be%e0%a4%b0%e0%a5%87%e0%a4%82\" >\u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0947 FOIR \u0915\u094b \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#foir-%e0%a4%95%e0%a5%80-%e0%a4%a4%e0%a5%81%e0%a4%b2%e0%a4%a8%e0%a4%be-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%a6%e0%a5%82%e0%a4%b8%e0%a4%b0%e0%a5%87-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%aa%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%95\" >FOIR \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0926\u0942\u0938\u0930\u0947 \u0932\u094b\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u0947 \u0915\u093e\u0930\u0915\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%b7\" >\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-foir-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\/#%e0%a4%85%e0%a4%95%e0%a5%8d%e0%a4%b8%e0%a4%b0-%e0%a4%aa%e0%a5%82%e0%a4%9b%e0%a5%87-%e0%a4%9c%e0%a4%be%e0%a4%a8%e0%a5%87-%e0%a4%b5%e0%a4%be%e0%a4%b2%e0%a5%87-%e0%a4%b8%e0%a4%b5%e0%a4%be%e0%a4%b2\" >\u0905\u0915\u094d\u0938\u0930 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0935\u093e\u0932<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0915\u094d\u092f\u093e \u0939\u0948?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u092f\u0947 \u090f\u0915 \u0905\u0928\u0941\u092a\u093e\u0924 \u0939\u0948 \u091c\u093f\u0938\u0947 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0902 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902 \u0915\u093f\u0938\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u0932\u094b\u0928 \u092d\u0941\u0917\u0924\u093e\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u091c\u093e\u0928\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f. \u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0915\u0940 \u0917\u0923\u0928\u093e \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092e\u093e\u0938\u093f\u0915 \u0916\u0930\u094d\u091a\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0915\u0947 \u0914\u0930 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f, \u0928\u093f\u0935\u0947\u0936 \u0915\u091f\u094c\u0924\u0940 \u0914\u0930 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u0915\u0930 \u091c\u0948\u0938\u0940 \u0935\u0948\u0927\u093e\u0928\u093f\u0915 \u0915\u091f\u094c\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0915\u0930 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0905\u0917\u0930\u00a0 \u0915\u093f\u0930\u093e\u090f \u0938\u0939\u093f\u0924 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u094b \u0906\u092f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935 \u092e\u093e\u0928\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948, \u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u090f\u0915 \u0909\u092e\u094d\u092e\u0940\u0926\u0935\u093e\u0930 \u0915\u0940 \u0921\u093f\u0938\u094d\u092a\u094b\u091c\u0947\u092c\u0932 \u0906\u092f \u0915\u094b \u0907\u0902\u0917\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u093f\u0938\u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0935\u0947 \u092e\u094c\u091c\u0942\u0926\u093e \u0914\u0930 \u0928\u090f \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092a\u0930\u093f\u0923\u093e\u092e\u0938\u094d\u0935\u0930\u0942\u092a, \u0915\u093f\u0938\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u0932\u094b\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0909\u0928\u0915\u0947 \u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0938\u0947 \u0915\u093e\u092b\u0940 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%8b-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%95%e0%a5%88%e0%a4%b2%e0%a4%95%e0%a5%81%e0%a4%b2%e0%a5%87%e0%a4%9f-%e0%a4%95%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>\u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0915\u094b \u0915\u0948\u0938\u0947 \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f \u0915\u0930\u0947\u0902?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u092f\u0939 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u0906\u092f \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u094b \u092e\u094c\u091c\u0942\u0926\u093e \u0932\u094b\u0928 \u0908\u090f\u092e\u0906\u0908, \u0915\u093f\u0930\u093e\u092f\u093e \u0914\u0930 \u0905\u0928\u094d\u092f \u092e\u093e\u0938\u093f\u0915 \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \u091c\u0948\u0938\u0947 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u092a\u0930 \u0916\u0930\u094d\u091a \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0-%e0%a4%95%e0%a5%88%e0%a4%b2%e0%a4%95%e0%a5%81%e0%a4%b2%e0%a5%87%e0%a4%9f-%e0%a4%95%e0%a4%b0%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a4%be-%e0%a4%ab%e0%a4%be%e0%a4%b0%e0%a5%8d%e0%a4%ae%e0%a5%82%e0%a4%b2%e0%a4%be\"><\/span><b>\u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f \u0915\u0930\u0928\u0947 \u0915\u093e \u092b\u093e\u0930\u094d\u092e\u0942\u0932\u093e:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"padding-left: 40px;\">\u090f\u092b\u0913\u0906\u0908\u0906\u0930 = \u0915\u0941\u0932 \u092e\u093e\u0938\u093f\u0915 \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \/ \u0915\u0941\u0932 \u092e\u093e\u0938\u093f\u0915 \u0906\u092f x 100<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%a8%e0%a4%bf%e0%a4%b6%e0%a5%8d%e0%a4%9a%e0%a4%bf%e0%a4%a4-%e0%a4%a6%e0%a4%be%e0%a4%af%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%b5-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935 \u0915\u094d\u092f\u093e \u0939\u0948?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935 \u090f\u0915 \u092c\u093e\u0930-\u092c\u093e\u0930 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u093e \u092e\u093e\u0938\u093f\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 \u0939\u0948, \u091c\u0948\u0938\u0947 \u0915\u093f\u0930\u093e\u092f\u093e \u092f\u093e \u0932\u094b\u0928 \u0908\u090f\u092e\u0906\u0908\u0964 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u094b \u0932\u094b\u0928 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u0940\u00a0 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092e\u093e\u0938\u093f\u0915 \u0926\u093e\u092f\u093f\u0924\u094d\u0935 30,000 \u0939\u0948 \u0914\u0930 \u092e\u093e\u0938\u093f\u0915 \u0906\u092f 1, 20,000 \u0939\u0948:<\/p>\n<p style=\"padding-left: 40px;\"><strong>(30,000 \/ 1,20,000 ) * 100 = 33.33%<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%b8%e0%a5%8d%e0%a4%b5%e0%a5%80%e0%a4%95%e0%a5%83%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%ac%e0%a5%87%e0%a4%b9%e0%a4%a4%e0%a4%b0%e0%a5%80%e0%a4%a8-%e0%a4%8f%e0%a4%ab%e0%a4%93%e0%a4%86%e0%a4%88%e0%a4%86%e0%a4%b0\"><\/span><b>\u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u090f\u092b\u0913\u0906\u0908\u0906\u0930<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0941\u0930\u094d\u0923 \u0915\u093e\u0930\u0915 \u0939\u0948 \u0916\u093e\u0938\u0915\u0930 \u0909\u0938 \u0935\u0958\u094d\u0924 \u091c\u092c \u0932\u0947\u0902\u0921\u0930 \u0932\u094b\u0928 \u0906\u0935\u0947\u0926\u0928 \u0915\u0940 \u090f\u092a\u094d\u0932\u0940\u0915\u0947\u0936\u0928 \u0915\u094b \u092e\u0902\u095b\u0942\u0930 \u0915\u0930 \u0930\u0939\u093e \u0939\u094b\u0924\u093e \u0939\u0948. \u092f\u0939 \u092e\u094c\u091c\u0942\u0926\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0926\u093e\u092f\u093f\u0924\u094d\u0935 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u094b\u0917 \u0915\u0940 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0940 \u0909\u0928\u0915\u0940 \u0906\u092f \u0915\u0947 \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0915\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094d\u0937\u092e\u0924\u093e \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%ad%e0%a4%bf%e0%a4%a8%e0%a5%8d%e0%a4%a8-loans-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%b6%e0%a4%82%e0%a4%b8%e0%a4%bf%e0%a4%a4-foir-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%bf%e0%a4%b6%e0%a4%a4\"><\/span>\u0935\u093f\u092d\u093f\u0928\u094d\u0928 Loans \u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u0936\u0902\u0938\u093f\u0924 FOIR \u092a\u094d\u0930\u0924\u093f\u0936\u0924:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><b>\u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 ( 40-50%)<\/b><\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0932\u094b\u0928 \u0939\u094b\u0924\u093e \u0939\u0948 \u0907\u0938\u0932\u093f\u090f \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0907\u0938\u0915\u093e FOIR 40-50% \u0939\u0940 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902 \u0924\u093e\u0915\u0940 \u091c\u094b\u0916\u093f\u092e \u0915\u092e \u0939\u0940 \u0930\u0939\u0947. \u091c\u093f\u0928 \u0906\u0935\u0947\u0926\u0915\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u0906\u092f \u0928\u093f\u092f\u092e\u093f\u0924 \u0914\u0930 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0909\u091a\u094d\u091a \u0939\u094b\u0924\u093e \u0939\u0948, \u0909\u0928\u094d\u0939\u0947\u0902 \u0907\u0938 \u0938\u0940\u092e\u093e \u0915\u0947 \u090a\u092a\u0930\u0940 \u0938\u094d\u0924\u0930 \u092a\u0930 \u0905\u0928\u0941\u092e\u094b\u0926\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0928\u0940 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/span><\/p>\n<ul>\n<li><b>\u0939\u094b\u092e \u0932\u094b\u0928 (50-60%)\u00a0<\/b><\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0939\u094b\u092e \u0932\u094b\u0928 \u092e\u0947\u0902 \u0932\u0902\u092c\u0947 \u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0932 \u0914\u0930 \u0909\u091a\u094d\u091a \u0930\u093e\u0936\u093f \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902. \u0907\u0938\u0932\u093f\u090f \u0932\u0947\u0902\u0921\u0930\u094d\u0938 50-60% \u0915\u093e FOIR \u0939\u0940 \u092e\u0902\u091c\u0942\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902. \u0905\u0917\u0930 \u0906\u0935\u0947\u0926\u0915\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u092e\u095b\u092c\u0942\u0924 \u0939\u0948 \u0924\u094b \u0915\u0941\u091b \u092c\u0948\u0902\u0915 \u0932\u094b\u0928 \u0915\u094b \u0909\u091a\u094d\u091a FOIR \u092a\u0930 \u092e\u0902\u095b\u0942\u0930 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/p>\n<ul>\n<li><b>\u0935\u094d\u092f\u0935\u094d\u0938\u093e\u092f \u0932\u094b\u0928\u00a0<\/b><\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f FOIR \u0932\u0947\u0928\u093e \u0915\u0941\u091b \u0915\u093e\u0930\u0915\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u0948\u0938\u0947 \u0928\u093f\u092f\u092e\u093f\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f, \u0906\u092f \u0914\u0930 \u0932\u094b\u0928 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930, \u0905\u0917\u0930 \u0906\u0935\u0947\u0926\u0915\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u092e\u095b\u092c\u0942\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0924\u094b \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0909\u0928\u094d\u0939\u0947\u0902 \u0909\u091a\u094d\u091a FOIR \u0915\u0940 \u092e\u0902\u095b\u0942\u0930\u0940 \u0926\u0947 \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%e0%a4%8b%e0%a4%a3%e0%a4%a6%e0%a4%be%e0%a4%a4%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%85%e0%a4%a8%e0%a5%81%e0%a4%b8%e0%a4%be%e0%a4%b0-%e0%a4%ad%e0%a4%bf%e0%a4%a8%e0%a5%8d%e0%a4%a8%e0%a4%a4%e0%a4%be%e0%a4%8f%e0%a4%82-%e0%a4%94%e0%a4%b0-%e0%a4%ae%e0%a4%82%e0%a4%9c%e0%a5%82%e0%a4%b0%e0%a5%80-%e0%a4%95%e0%a5%87-%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%ae\"><\/span><b>\u090b\u0923\u0926\u093e\u0924\u093e \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092d\u093f\u0928\u094d\u0928\u0924\u093e\u090f\u0902 \u0914\u0930 \u092e\u0902\u091c\u0942\u0930\u0940 \u0915\u0947 \u0928\u093f\u092f\u092e<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><b>\u0909\u091a\u094d\u091a FOIR \u0938\u0941\u0935\u093f\u0927\u093e: <\/b><span style=\"font-weight: 400;\">\u0915\u0941\u091b \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0909\u0928 \u0906\u0935\u0947\u0926\u0915\u094b\u0902 \u0915\u094b \u0909\u091a\u094d\u091a FOIR \u0926\u0947 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u0940 \u0906\u092f \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948 \u092f\u093e \u0909\u0928\u0915\u0940 \u0906\u092f \u0915\u093e \u0905\u0932\u0917 \u0938\u0947 \u092d\u0940 \u0915\u094b\u0908 \u0938\u094d\u0930\u094b\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u092f\u093e \u092b\u093f\u0930 \u0909\u0928\u0915\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0907\u0924\u093f\u0939\u093e\u0938 \u092e\u095b\u092c\u0942\u0924 \u0939\u094b\u0924\u093e \u0939\u0948\u0964\n<p><\/span><\/li>\n<li><b>FOIR \u0915\u0940 \u0915\u092e \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e:<\/b><span style=\"font-weight: 400;\"> \u0935\u094b \u0906\u0935\u0947\u0926\u0915 \u091c\u093f\u0928\u0915\u0940 \u0906\u092f \u0928\u093f\u092f\u092e\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0909\u091a\u094d\u091a \u092e\u094c\u091c\u0942\u0926\u093e \u0926\u0947\u0928\u0926\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u092e \u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964\n<p><\/span><\/li>\n<li><b>\u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u0914\u0930 \u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0932 \u092a\u094d\u0930\u092d\u093e\u0935:<\/b><span style=\"font-weight: 400;\"> \u0932\u094b\u0928 \u0915\u0940 \u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u0915\u093e\u0930\u0923 \u090f\u092b\u0913\u0906\u0908\u0906\u0930 \u0925\u094b\u0921\u093c\u093e \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092e\u093e\u0938\u093f\u0915 \u0908\u090f\u092e\u0906\u0908 \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"foir-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%86%e0%a4%aa%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%95%e0%a5%8b-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5%e0%a4%bf%e0%a4%a4-%e0%a4%95%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%b9%e0%a5%88\"><\/span><b>FOIR \u0915\u0948\u0938\u0947 \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u090f\u092b\u0913\u0906\u0908\u0906\u0930 (\u0906\u092f \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935) \u0906\u092a\u0915\u0947 \u0932\u094b\u0928 \u0905\u0928\u0941\u092e\u094b\u0926\u0928 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0902\u0921\u0930 \u0907\u0938 \u092e\u093e\u092a\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u092f\u0939 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0906\u092a\u0915\u0940 \u0906\u092f \u0915\u093e \u0915\u093f\u0924\u0928\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u092a\u0939\u0932\u0947 \u0938\u0947 \u0939\u0940 \u092e\u094c\u091c\u0942\u0926\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930 \u0939\u0948\u0964<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%e0%a4%89%e0%a4%9a%e0%a5%8d%e0%a4%9a-foir-%e0%a4%85%e0%a4%b8%e0%a5%8d%e0%a4%b5%e0%a5%80%e0%a4%95%e0%a5%83%e0%a4%a4%e0%a4%bf-%e0%a4%95%e0%a4%be-%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%95-%e0%a4%ac%e0%a4%a2%e0%a4%bc%e0%a4%a8%e0%a4%be\"><\/span><b>\u0909\u091a\u094d\u091a FOIR: \u0905\u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u093e \u0930\u093f\u0938\u094d\u0915 \u092c\u095d\u0928\u093e<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\">\u0909\u091a\u094d\u091a FOIR (50-60% \u0938\u0947 \u090a\u092a\u0930)<\/span> <span style=\"font-weight: 400;\">\u092f\u0939 \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u0940 \u0906\u092f \u0915\u093e \u090f\u0915 \u092c\u0921\u093c\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u092a\u0939\u0932\u0947 \u0938\u0947 \u0939\u0940 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u093f\u092f\u093e \u091c\u093e \u0930\u0939\u093e \u0939\u0948\u0964<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u090b\u0923\u0926\u093e\u0924\u093e \u0907\u0938\u0947 \u0909\u091a\u094d\u091a \u0930\u093f\u0938\u094d\u0915 \u0935\u093e\u0932\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u092f\u0926\u093f \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u092e\u093f\u0932 \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u094b \u0906\u092a\u0915\u094b \u0915\u092e \u0932\u094b\u0928 \u0930\u093e\u0936\u093f \u092f\u093e \u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948 \u0964<\/span><\/li>\n<\/ul>\n<p><b>\u0915\u092e FOIR: \u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0940 \u092c\u0947\u0939\u0924\u0930 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0901<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">\u0915\u092e FOIR (40-50% \u0938\u0947 \u0928\u0940\u091a\u0947) \u0915\u093e \u0905\u0930\u094d\u0925 \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0932\u094b\u0928 EMI \u0915\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0921\u093f\u0938\u094d\u092a\u094b\u091c\u0947\u092c\u0932 \u0906\u092f \u0939\u0948\u0964<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u090b\u0923\u0926\u093e\u0924\u093e \u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0927\u093f\u0915 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u092c\u0947\u0939\u0924\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u092d\u0940 \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/li>\n<\/ul>\n<p><b>\u090b\u0923\u0926\u093e\u0924\u093e FOIR \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0930\u093f\u0938\u094d\u0915 \u0915\u093e \u0905\u0902\u0926\u093e\u091c\u093e \u0915\u0948\u0938\u0947 \u0932\u0917\u093e\u0924\u0947 \u0939\u0948\u0902?\u00a0<\/b><\/p>\n<p>\u090b\u0923\u0926\u093e\u0924\u093e \u0909\u0928 \u0906\u0935\u0947\u0926\u0915\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0926\u0947\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0928\u0915\u093e <strong>FOIR (Fixed Obligation to Income Ratio)<\/strong> \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0947 \u0915\u093f \u0935\u0947 \u0932\u094b\u0928 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u091a\u0941\u0915\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<ul>\n<li><strong>\u0909\u091a\u094d\u091a FOIR<\/strong> \u0935\u093e\u0932\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u094c\u091c\u0942\u0926\u093e \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u093e \u092f\u093e \u0906\u092f \u0938\u094d\u0930\u094b\u0924 \u092c\u0922\u093c\u093e\u0928\u093e \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<li>\u0915\u0941\u091b \u090b\u0923\u0926\u093e\u0924\u093e \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u092f\u0926\u093f \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0947 \u092a\u093e\u0938 <strong>\u0909\u091a\u094d\u091a \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930, \u0938\u094d\u0925\u093f\u0930 \u0906\u092f \u092f\u093e \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong> \u0939\u094b\u0964<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%85%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a5%82%e0%a4%b5%e0%a4%b2-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%85%e0%a4%aa%e0%a4%a8%e0%a5%87-foir-%e0%a4%95%e0%a5%8b-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%b8%e0%a5%81%e0%a4%a7%e0%a4%be%e0%a4%b0%e0%a5%87%e0%a4%82\"><\/span><b>\u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0947 FOIR \u0915\u094b \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0905\u0917\u0930 FOIR \u0915\u092e \u0939\u094b\u0917\u093e \u0924\u094b \u0932\u094b\u0928 \u092e\u0902\u091c\u0942\u0930 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0905\u0935\u0938\u0930 \u095b\u094d\u092f\u093e\u0926\u093e \u092c\u095d \u091c\u093e\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0905\u0917\u0930 \u0906\u092a\u0915\u093e\u00a0 FOIR \u0909\u091a\u094d\u091a \u0939\u0948 \u0924\u094b \u0907\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u091a\u0947 \u0926\u093f\u090f \u0917\u090f \u091a\u0930\u0923\u094b\u0902 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0947\u0902:\u00a0<\/span><\/p>\n<ol>\n<li><b> \u092e\u094c\u091c\u0942\u0926\u093e \u0932\u094b\u0928 \u0914\u0930 EMI \u0915\u092e \u0915\u0930\u0947\u0902<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u092a\u0928\u0947 \u0915\u0941\u0932 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u091b\u094b\u091f\u0947 \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092c\u0915\u093e\u092f\u093e \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u090f\u0915 \u0939\u0940 \u0938\u092e\u092f \u092e\u0947\u0902 \u0915\u0908 \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0938\u0947 \u092c\u091a\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u0941\u0932 EMI \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0932\u094b\u0928 \u0938\u092e\u0947\u0915\u0928 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b> \u0906\u092f \u0915\u0947 \u0938\u094d\u0930\u094b\u0924 \u092c\u0922\u093c\u093e\u090f\u0901<\/b><\/li>\n<\/ol>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092b\u094d\u0930\u0940\u0932\u093e\u0902\u0938\u093f\u0902\u0917, \u0915\u093f\u0930\u093e\u092f\u0947 \u0915\u0940 \u0906\u092f \u092f\u093e \u0928\u093f\u0935\u0947\u0936 \u091c\u0948\u0938\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0906\u092f \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0940 \u0916\u094b\u091c \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u092f\u0926\u093f \u0938\u0902\u092d\u0935 \u0939\u094b, \u0924\u094b \u0905\u092a\u0928\u0940 \u0928\u094c\u0915\u0930\u0940 \u092e\u0947\u0902 \u0935\u0947\u0924\u0928 \u0935\u0943\u0926\u094d\u0927\u093f \u0915\u0947 \u0932\u093f\u090f \u092c\u093e\u0924\u091a\u0940\u0924 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0906\u092f \u0938\u094d\u0930\u094b\u0924 (\u091c\u0948\u0938\u0947 \u091c\u0940\u0935\u0928\u0938\u093e\u0925\u0940 \u0915\u0940 \u0906\u092f) \u0926\u093f\u0916\u093e\u090f\u0901\u0964<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b> EMI \u092c\u094b\u091d \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u0932\u094b\u0928 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0947\u0902<\/b><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\">\u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u0932\u094b\u0928 \u0915\u093e \u091a\u092f\u0928 \u0915\u0930\u0928\u0947 \u0938\u0947 <strong>EMI \u0930\u093e\u0936\u093f \u0915\u092e<\/strong> \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 <strong>FOIR \u0915\u092e<\/strong> \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964\u00a0 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0927\u094d\u092f\u093e\u0928 \u0930\u0916\u0947\u0902 \u0915\u093f <strong>\u0932\u094b\u0928 \u0905\u0935\u0927\u093f \u092c\u0922\u093c\u0928\u0947 \u0938\u0947 \u0915\u0941\u0932 \u092c\u094d\u092f\u093e\u091c \u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0927\u093f\u0915<\/strong> \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0932\u094b\u0928 \u092e\u0939\u0902\u0917\u093e \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<ol start=\"4\">\n<li><b> \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u094b\u092b\u093c\u093e\u0907\u0932 \u0915\u094b \u0905\u0928\u0941\u0915\u0942\u0932\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0915\u093e\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093e\u0907\u0928 \u092c\u0902\u0926 \u0915\u0930\u0947\u0902<\/b><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0905\u092a\u0928\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u092f\u094b\u0917\u094d\u092f\u0924\u093e \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0937\u094d\u0915\u094d\u0930\u093f\u092f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0914\u0930 \u0905\u092a\u094d\u0930\u092f\u0941\u0915\u094d\u0924 \u0932\u094b\u0928 \u0916\u093e\u0924\u0947 \u092c\u0902\u0926 \u0915\u0930\u0947\u0902\u0964\u00a0<\/span><span style=\"font-weight: 400;\">\u092c\u0939\u0941\u0924 \u0905\u0927\u093f\u0915 \u0916\u0941\u0932\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093e\u0907\u0928\u0947\u0902 \u0909\u0927\u093e\u0930\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u091a\u094d\u091a \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u094b\u0916\u093f\u092e \u0915\u093e \u0938\u0902\u0915\u0947\u0924 \u0926\u0947 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"foir-%e0%a4%95%e0%a5%80-%e0%a4%a4%e0%a5%81%e0%a4%b2%e0%a4%a8%e0%a4%be-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%a6%e0%a5%82%e0%a4%b8%e0%a4%b0%e0%a5%87-%e0%a4%b2%e0%a5%8b%e0%a4%a8-%e0%a4%aa%e0%a4%be%e0%a4%a4%e0%a5%8d%e0%a4%b0%e0%a4%a4%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%95\"><\/span><b>FOIR \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0926\u0942\u0938\u0930\u0947 \u0932\u094b\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u0947 \u0915\u093e\u0930\u0915\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0939\u093e\u0932\u093e\u0915\u093f\u0902 \u0932\u094b\u0928 \u0915\u0940 \u092e\u0902\u095b\u0942\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f FOIR \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091a\u093e\u092c\u0940 \u0939\u0948. \u0932\u0947\u0915\u093f\u0928 \u0932\u0947\u0902\u0921\u0930\u094d\u0938 \u0926\u0942\u0938\u0930\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u093e\u0930\u0915 \u0915\u094b \u092d\u0940 \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902. \u0928\u093f\u091a\u0947 \u0910\u0938\u0947 \u0939\u0940 \u0915\u0941\u091b \u0915\u093e\u0930\u0915 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0938\u092e\u091d\u0947\u0902\u0917\u0947 \u091c\u094b\u00a0 FOIR \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0939\u0948\u0902:\u00a0<\/span><\/p>\n<p><b>FOIR \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u0930\u094d\u091c \u0938\u0947 \u0906\u092f \u0905\u0928\u0941\u092a\u093e\u0924:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FOIR \u0914\u0930 \u0915\u0930\u094d\u091c \u0938\u0947 \u0906\u092f \u0915\u093e \u0905\u0928\u0941\u092a\u093e\u0924 \u0926\u094b\u0928\u094b\u0902 \u0939\u0940 \u0906\u092f \u0915\u0940 \u092a\u0930\u0938\u0947\u0902\u091f\u0947\u091c \u0915\u094b \u092e\u093e\u092a\u0924\u0947 \u0939\u0948\u0902.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u0930\u094d\u091c \u0938\u0947 \u0906\u092f \u0915\u093e \u0905\u0928\u0941\u092a\u093e\u0924 \u092e\u0947\u0902 \u0938\u093e\u0930\u0947 \u0916\u0930\u094d\u091a \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u0948\u0938\u0947 \u0915\u0940 \u0932\u094b\u0928 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0928\u093e \u091a\u0941\u0915\u093e\u0908 \u0917\u0908 \u0930\u093e\u0936\u093f \u092c\u0932\u094d\u0915\u093f FOIR \u0938\u093f\u0930\u094d\u092b \u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0911\u092c\u094d\u0932\u093f\u0917\u0947\u0936\u0928 \u0915\u094b \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u0948\u0938\u0947 \u0915\u0940 EMI \u0914\u0930 \u0915\u093f\u0930\u093e\u092f\u093e\u0964\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u092e FOIR \u092f\u093e DTI \u092c\u0947\u0939\u0924\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094d\u0937\u092e\u0924\u093e \u0915\u093e \u0938\u0902\u0915\u0947\u0924 \u0926\u0947\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<p><b>FOIR \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0906\u092a\u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0907\u0924\u093f\u0939\u093e\u0938, \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0909\u092a\u092f\u094b\u0917 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u0928\u0941\u0936\u093e\u0938\u0928 \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0932\u094b\u0928 \u090f\u092a\u094d\u0932\u0940\u0915\u0947\u0936\u0928 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 FOIR \u0906\u092a\u0915\u0940 \u0906\u092f \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u094b \u092e\u093e\u092a\u0924\u093e \u0939\u0948.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0909\u091a\u094d\u091a \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0915\u092d\u0940-\u0915\u092d\u0940 \u0909\u091a\u094d\u091a FOIR \u0915\u0940 \u092d\u0930\u092a\u093e\u0908 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0932\u094b\u0928 \u092e\u0902\u095b\u0942\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u0924\u0941\u0932\u093f\u0924 FOIR \u0905\u092d\u0940 \u092d\u0940 \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%b7\"><\/span><b>\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0932\u094b\u0928 \u092e\u0902\u095b\u0942\u0930\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f FOIR (\u0906\u092f \u0905\u0928\u0941\u092a\u093e\u0924 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935) \u0915\u094b \u0938\u092e\u091d\u0928\u093e \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948\u0964 \u092f\u0939 \u090b\u0923\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u094b \u092f\u0939 \u0906\u0915\u0932\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u094d\u092f\u093e \u0906\u092a \u0905\u092a\u0928\u0940 \u092e\u094c\u091c\u0942\u0926\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u095b\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0932\u094b\u0928 \u0915\u0940 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u090f\u0915 \u0906\u0926\u0930\u094d\u0936 FOIR \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092f\u094b\u091c\u0928\u093e \u092c\u0928\u093e\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u0905\u0928\u093e\u0935\u0936\u094d\u092f\u0915 \u090b\u0923\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u093e, \u0906\u092f \u0915\u0947 \u0938\u094d\u0930\u094b\u0924\u094b\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0928\u093e \u0914\u0930 \u0938\u0939\u0940 \u0932\u094b\u0928 \u0905\u0935\u0927\u093f \u091a\u0941\u0928\u0928\u093e \u0906\u092a\u0915\u0940 \u0932\u094b\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u092c\u0947\u0939\u0924\u0930 \u0932\u094b\u0928 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0932\u093f\u090f, \u090f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0932\u093e\u0939\u0915\u093e\u0930 \u0938\u0947 \u0938\u0932\u093e\u0939 \u0915\u0930\u0928\u0947 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902\u0964 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e \u092e\u093e\u0930\u094d\u0917\u0926\u0930\u094d\u0936\u0928 \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0947 FOIR \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u0928\u0947 \u0914\u0930 \u0938\u0939\u0940 \u0936\u0930\u094d\u0924\u094b\u0902 \u092a\u0930 \u0932\u094b\u0928 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%e0%a4%85%e0%a4%95%e0%a5%8d%e0%a4%b8%e0%a4%b0-%e0%a4%aa%e0%a5%82%e0%a4%9b%e0%a5%87-%e0%a4%9c%e0%a4%be%e0%a4%a8%e0%a5%87-%e0%a4%b5%e0%a4%be%e0%a4%b2%e0%a5%87-%e0%a4%b8%e0%a4%b5%e0%a4%be%e0%a4%b2\"><\/span><b>\u0905\u0915\u094d\u0938\u0930 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0935\u093e\u0932<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><b> \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092e\u0947\u0902 FOIR \u0915\u094d\u092f\u093e \u0939\u0948?<\/b><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">FOIR \u090f\u0915 \u092e\u093e\u092a\u0928 \u0939\u0948 \u091c\u093f\u0938\u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u092c\u0948\u0902\u0915 \u0908\u090f\u092e\u0906\u0908 \u0914\u0930 \u0915\u093f\u0930\u093e\u090f \u091c\u0948\u0938\u0947 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u092a\u0930 \u0916\u0930\u094d\u091a \u0915\u0940 \u0917\u0908 \u0906\u092f \u0915\u0947 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0930\u0915\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u0932\u094b\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0915\u092e FOIR \u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<ol start=\"2\">\n<li><b> FOIR \u0915\u094b \u0915\u0948\u0938\u0947 \u092e\u093e\u092a\u093e \u091c\u093e\u0924\u093e \u0939\u0948?\u00a0<\/b><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">FOIR \u0915\u094b \u0907\u0938 \u092b\u093e\u0930\u094d\u092e\u0942\u0932\u093e \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u092e\u093e\u092a\u093e \u091c\u093e\u0924\u093e \u0939\u0948:<\/span><\/p>\n<p style=\"padding-left: 80px;\"><b>\u090f\u092b\u0913\u0906\u0908\u0906\u0930 = ( <\/b><b>\u0915\u0941\u0932 \u092e\u093e\u0938\u093f\u0915 \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \/ <\/b><b>\u0915\u0941\u0932 \u092e\u093e\u0938\u093f\u0915 \u0906\u092f<\/b> ) <span style=\"font-weight: 400;\">x 100\u00a0<\/span><\/p>\n<ol start=\"3\">\n<li><b> \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0906\u0926\u0930\u094d\u0936 FOIR \u0915\u094d\u092f\u093e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f?\u00a0<\/b><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">\u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0906\u0926\u0930\u094d\u0936 FOIR \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0935\u0947\u0924\u0928\u092d\u094b\u0917\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f 40-50% \u0914\u0930 \u0959\u0941\u0926 \u0915\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f 50-60% \u0939\u0948, \u091c\u094b \u090b\u0923\u0926\u093e\u0924\u093e \u0915\u0940 \u0928\u0940\u0924\u093f \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><b>4.\u0932\u094b\u0928 \u092e\u0902\u095b\u0942\u0930\u0940 \u0915\u0947 \u0905\u0935\u0938\u0930 \u0915\u094b \u092c\u095d\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u0948\u0902 \u0905\u092a\u0928\u0947 FOIR \u0915\u094b \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930 \u0938\u0915\u0924\u093e \u0939\u0942\u0901?<\/b><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">FOIR \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0914\u0930 \u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-weight: 400;\"> \u092e\u094c\u091c\u0942\u0926\u093e \u090b\u0923\u094b\u0902 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0947\u0902 \u2013 \u091b\u094b\u091f\u0947 \u090b\u0923\u094b\u0902 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092c\u0915\u093e\u092f\u093e \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u0906\u092f \u092c\u0922\u093c\u093e\u090f\u0901 \u2013 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0906\u092f \u0938\u094d\u0930\u094b\u0924 \u0926\u093f\u0916\u093e\u090f\u0901\u0964<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u0947\u0902 \u2013 EMI \u0915\u093e \u092c\u094b\u091d \u0915\u092e \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u0928\u090f \u090b\u0923\u094b\u0902 \u0938\u0947 \u092c\u091a\u0947\u0902 \u2013 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0928\u090f \u0909\u0927\u093e\u0930\u094b\u0902 \u0915\u094b \u0938\u0940\u092e\u093f\u0924 \u0915\u0930\u0947\u0902\u0964<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u0938\u0939-\u0906\u0935\u0947\u0926\u0915 \u091c\u094b\u0921\u093c\u0947\u0902 \u2013\u00a0 \u0932\u094b\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092c\u0922\u093c\u093e\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>\u092f\u0947 \u092d\u0940 \u092a\u095d\u0947,<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/hi\/what-is-atm\/\">\u090f\u091f\u0940\u090f\u092e \u0915\u094d\u092f\u093e \u0939\u0948: \u092a\u094d\u0930\u0915\u093e\u0930, \u0909\u092a\u092f\u094b\u0917 \u0914\u0930 \u092a\u094d\u0930\u092e\u0941\u0916 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/hi\/difference-between-fixed-capital-and-working-capital\/\">\u0938\u094d\u0925\u093e\u092f\u0940 \u092a\u0942\u0902\u091c\u0940 \u0914\u0930 \u0915\u093e\u0930\u094d\u092f\u0936\u0940\u0932 \u092a\u0942\u0902\u091c\u0940 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/hi\/impact-of-gst-on-financial-services\/\">\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e\u0913\u0902 \u092a\u0930 \u091c\u0940\u090f\u0938\u091f\u0940 \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/hi\/what-is-term-loan\/\">\u091f\u0930\u094d\u092e \u0932\u094b\u0928 \u0915\u0940 \u092a\u0930\u093f\u092d\u093e\u0937\u093e, \u092a\u094d\u0930\u0915\u093e\u0930 \u0914\u0930 \u0932\u093e\u092d<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/hi\/vidyalakshmi-education-loan-portal\/\">\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<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0932\u094b\u0928 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947, \u0938\u092d\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928, \u0938\u093e\u0925 \u0939\u0940 \u092c\u0948\u0902\u0915 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0940 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0915\u094b \u0915\u0920\u094b\u0930 \u0930\u0942\u092a \u0938\u0947 \u091c\u093e\u0902\u091a\u0924\u0947 \u0939\u0948\u0902. \u091c\u092c \u0915\u094b\u0908 \u092d\u0940 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u092f\u093e \u0915\u093f\u0938\u0940 \u0926\u0942\u0938\u0930\u0947 \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u0924\u094b \u0932\u094b\u0928 \u090f\u092a\u094d\u0932\u0940\u0915\u0947\u0936\u0928 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0939\u094b\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0909\u0928\u094d\u0939\u0947\u0902 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u091c\u093e\u0902\u091a\u094b\u0902 \u0915\u0940 \u090f\u0915 \u0915\u094d\u0930\u092e \u0938\u0947 \u0917\u0941\u091c\u0930\u0928\u093e \u092a\u095c\u0924\u093e \u0939\u0948. \u0915\u094d\u092f\u0942\u0902\u0915\u093f \u0915\u093f\u0938\u0940 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":307595,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"FOIR \u0915\u094d\u092f\u093e \u0939\u0948? \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u0915\u0947 \u0932\u093f\u090f \u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0911\u092c\u094d\u0932\u093f\u0917\u0947\u0936\u0928 \u091f\u0942 \u0907\u0928\u0915\u092e \u0930\u0947\u0936\u093f\u092f\u094b \u0938\u092e\u091d\u0947\u0902","_seopress_titles_desc":"FOIR (\u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0911\u092c\u094d\u0932\u093f\u0917\u0947\u0936\u0928 \u091f\u0942 \u0907\u0928\u0915\u092e \u0930\u0947\u0936\u093f\u092f\u094b) \u0915\u094d\u092f\u093e \u0939\u0948, \u092f\u0939 \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935\u0932 \u092e\u0947\u0902 \u0915\u0948\u0938\u0947 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948, \u0907\u0938\u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902, \u0914\u0930 \u0932\u094b\u0928 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947 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