{"id":307658,"date":"2025-03-13T06:05:21","date_gmt":"2025-03-13T06:05:21","guid":{"rendered":"https:\/\/www.paymeindia.in\/blog\/?p=307658"},"modified":"2025-04-09T10:15:38","modified_gmt":"2025-04-09T10:15:38","slug":"personal-loans-for-financial-planning","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/hi\/personal-loans-for-financial-planning\/","title":{"rendered":"\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923: \u0906\u092a\u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0915\u093e \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0938\u093e\u0927\u0928"},"content":{"rendered":"\r\n<p class=\"wp-block-paragraph\" data-start=\"61\" data-end=\"488\">\u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u090b\u0923 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0909\u092a\u0915\u0930\u0923 \u0939\u0948, \u091c\u094b \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u092c\u0902\u0927\u093f\u0924 \u0915\u0930\u0928\u0947, \u090b\u0923\u094b\u0902 \u0915\u094b \u0938\u092e\u0947\u0915\u093f\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0928\u093f\u0935\u0947\u0936\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u090f\u091a\u0921\u0940\u090f\u092b\u0938\u0940 \u0914\u0930 \u090f\u0938\u092c\u0940\u0906\u0908 \u091c\u0948\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u092a\u094d\u0930\u0924\u093f\u0938\u094d\u092a\u0930\u094d\u0927\u093e\u0924\u094d\u092e\u0915 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0914\u0930 \u0932\u091a\u0940\u0932\u0947 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925, \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0905\u092a\u0928\u0940 \u0924\u093e\u0924\u094d\u0915\u093e\u0932\u093f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0905\u092a\u0928\u0947 \u090b\u0923 \u0926\u093e\u092f\u093f\u0924\u094d\u0935\u094b\u0902 \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0905\u092a\u0928\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0915\u094b \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u0935\u0938\u0930\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/personal-loans-for-financial-planning\/#%e0%a4%b5%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ac%e0%a4%82%e0%a4%a7%e0%a4%a8-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%b8%e0%a4%b9%e0%a4%be%e0%a4%af%e0%a4%95-%e0%a4%b9%e0%a5%88%e0%a4%82\" >\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u092e\u0947\u0902 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u0948\u0938\u0947 \u0938\u0939\u093e\u092f\u0915 \u0939\u0948\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/personal-loans-for-financial-planning\/#%e0%a4%b5%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a4%be-%e0%a4%b8%e0%a4%b0%e0%a5%8d%e0%a4%b5%e0%a5%8b%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%ae-%e0%a4%89%e0%a4%aa%e0%a4%af%e0%a5%8b%e0%a4%97\" >\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0938\u0930\u094d\u0935\u094b\u0924\u094d\u0924\u092e \u0909\u092a\u092f\u094b\u0917<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/personal-loans-for-financial-planning\/#%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a4%be-%e0%a4%89%e0%a4%aa%e0%a4%af%e0%a5%8b%e0%a4%97-%e0%a4%95%e0%a4%b0%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a5%87-%e0%a4%ab%e0%a4%be%e0%a4%af%e0%a4%a6%e0%a5%87-%e0%a4%94%e0%a4%b0-%e0%a4%a8%e0%a5%81%e0%a4%95%e0%a4%b8%e0%a4%be%e0%a4%a8\" >\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paymeindia.in\/blog\/hi\/personal-loans-for-financial-planning\/#%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%95%e0%a4%b0%e0%a5%8d%e0%a4%b7-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%86%e0%a4%aa%e0%a4%95%e0%a5%8b-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%b2%e0%a5%87%e0%a4%a8%e0%a4%be-%e0%a4%9a%e0%a4%be%e0%a4%b9%e0%a4%bf%e0%a4%8f\" >\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937: \u0915\u094d\u092f\u093e \u0906\u092a\u0915\u094b \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u093f\u090f?<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"\" data-start=\"490\" data-end=\"541\"><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ac%e0%a4%82%e0%a4%a7%e0%a4%a8-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a5%88%e0%a4%b8%e0%a5%87-%e0%a4%b8%e0%a4%b9%e0%a4%be%e0%a4%af%e0%a4%95-%e0%a4%b9%e0%a5%88%e0%a4%82\"><\/span>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u092e\u0947\u0902 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u0948\u0938\u0947 \u0938\u0939\u093e\u092f\u0915 \u0939\u0948\u0902<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"543\" data-end=\"590\"><strong data-start=\"543\" data-end=\"590\">\u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0932\u0915\u094d\u0937\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f 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style=\"padding-left: 40px;\" data-start=\"933\" data-end=\"1324\">\u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u090b\u0923 \u0915\u093e \u090f\u0915 \u092a\u094d\u0930\u092e\u0941\u0916 \u0932\u093e\u092d \u092f\u0939 \u0939\u0948 \u0915\u093f \u0935\u0947 \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0947 \u0924\u094d\u0935\u0930\u093f\u0924 \u0927\u0928 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u090f\u091a\u0921\u0940\u090f\u092b\u0938\u0940 \u0914\u0930 \u0906\u0908\u0938\u0940\u0906\u0908\u0938\u0940\u0906\u0908 \u091c\u0948\u0938\u0947 \u092c\u0948\u0902\u0915 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 24 \u0938\u0947 48 \u0918\u0902\u091f\u0947 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0906\u0935\u0947\u0926\u0928\u094b\u0902 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\u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"1326\" data-end=\"1370\"><strong data-start=\"1326\" data-end=\"1370\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902<\/strong><\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"1372\" data-end=\"1716\">\u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u090b\u0923 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0935\u0947 \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u0927\u093f\u0915 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u0932\u094d\u092a \u092c\u0928\u0924\u0947 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 10.5% \u0938\u0947 24% \u0924\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u091c\u092c\u0915\u093f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 36% \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u091a\u092f\u0928 \u0915\u0930\u0915\u0947, \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u092c\u094d\u092f\u093e\u091c \u092d\u0941\u0917\u0924\u093e\u0928 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u091a\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\n<h3 class=\"\" data-start=\"1718\" data-end=\"1774\"><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-%e0%a4%95%e0%a5%87-%e0%a4%b2%e0%a4%bf%e0%a4%8f-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a4%be-%e0%a4%b8%e0%a4%b0%e0%a5%8d%e0%a4%b5%e0%a5%8b%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%ae-%e0%a4%89%e0%a4%aa%e0%a4%af%e0%a5%8b%e0%a4%97\"><\/span>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0938\u0930\u094d\u0935\u094b\u0924\u094d\u0924\u092e \u0909\u092a\u092f\u094b\u0917<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"1776\" data-end=\"1788\"><strong data-start=\"1776\" data-end=\"1788\">\u090b\u0923 \u0938\u092e\u0947\u0915\u0928<\/strong><\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"1790\" data-end=\"2153\">\u090b\u0923 \u0938\u092e\u0947\u0915\u0928 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0938\u092c\u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0924\u0930\u0940\u0915\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u0939\u0948\u0964 \u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0935\u093e\u0932\u0947 \u0915\u0908 \u090b\u0923\u094b\u0902, \u091c\u0948\u0938\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u092c\u0948\u0932\u0947\u0902\u0938, \u0915\u094b \u090f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u092e\u0947\u0902 \u0938\u092e\u0947\u0915\u093f\u0924 \u0915\u0930\u0915\u0947, \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u093e \u0932\u093e\u092d \u0909\u0920\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 10.5% \u0938\u0947 24% \u0915\u0947 \u092c\u0940\u091a \u0939\u094b\u0924\u0940 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0930\u0923\u0928\u0940\u0924\u093f \u092e\u093e\u0938\u093f\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0915\u0941\u0932 \u092c\u094d\u092f\u093e\u091c \u092d\u093e\u0930 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0906\u0938\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"2155\" data-end=\"2174\"><strong data-start=\"2155\" data-end=\"2174\">\u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0916\u0930\u094d\u091a\u0947<\/strong><\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"2176\" data-end=\"2496\">\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0905\u092a\u094d\u0930\u0924\u094d\u092f\u093e\u0936\u093f\u0924 \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0916\u0930\u094d\u091a\u094b\u0902, \u091c\u0948\u0938\u0947 \u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e \u092c\u093f\u0932 \u092f\u093e \u0924\u093e\u0924\u094d\u0915\u093e\u0932\u093f\u0915 \u0935\u093e\u0939\u0928 \u092e\u0930\u092e\u094d\u092e\u0924, \u0915\u094b \u0915\u0935\u0930 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u091c\u0939\u093e\u0902 \u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e \u0906\u092a\u093e\u0924 \u0938\u094d\u0925\u093f\u0924\u093f\u092f\u093e\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0924\u0928\u093e\u0935 \u0915\u093e \u0915\u093e\u0930\u0923 \u092c\u0928 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902, \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0909\u091a\u094d\u091a \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0926\u0930\u094b\u0902 (APRs) \u0935\u093e\u0932\u0947 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0924\u094d\u0935\u0930\u093f\u0924 \u0927\u0928 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"2498\" data-end=\"2523\"><strong data-start=\"2498\" data-end=\"2523\">\u0917\u0943\u0939 \u0938\u0941\u0927\u093e\u0930 \u0914\u0930 \u0928\u0935\u0940\u0928\u0940\u0915\u0930\u0923<\/strong><\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"2525\" data-end=\"2906\">\u0917\u0943\u0939 \u0938\u0941\u0927\u093e\u0930 \u0914\u0930 \u0928\u0935\u0940\u0928\u0940\u0915\u0930\u0923 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u092e\u0942\u0932\u094d\u092f \u0915\u094b \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u091c\u0939\u093e\u0902 \u0930\u093f\u092f\u0932 \u090f\u0938\u094d\u091f\u0947\u091f \u090f\u0915 \u092a\u094d\u0930\u092e\u0941\u0916 \u0928\u093f\u0935\u0947\u0936 \u0939\u0948, \u0928\u0935\u0940\u0928\u0940\u0915\u0930\u0923 \u0938\u0947 20% \u0938\u0947 30% \u092f\u093e \u0905\u0927\u093f\u0915 \u0915\u093e \u0930\u093f\u091f\u0930\u094d\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u090f\u0915 \u0938\u0941\u0935\u093f\u0927\u093e\u091c\u0928\u0915 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0917\u0943\u0939\u0938\u094d\u0935\u093e\u092e\u0940 \u091c\u091f\u093f\u0932 \u0917\u0943\u0939 \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u090b\u0923\u094b\u0902 \u0938\u0947 \u092c\u091a \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0928\u092e\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940\u0915\u0930\u0923 \u0914\u0930 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"2908\" data-end=\"2943\"><strong data-start=\"2908\" data-end=\"2943\">\u0936\u093f\u0915\u094d\u0937\u093e \u0914\u0930 \u0915\u0930\u093f\u092f\u0930 \u0935\u093f\u0915\u093e\u0938 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936<\/strong><\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"2945\" data-end=\"3327\">\u0936\u093f\u0915\u094d\u0937\u093e \u0914\u0930 \u0915\u0930\u093f\u092f\u0930 \u0935\u093f\u0915\u093e\u0938 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0932\u093e\u092d \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0909\u091a\u094d\u091a \u0936\u093f\u0915\u094d\u0937\u093e \u092f\u093e \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915 \u092a\u094d\u0930\u092e\u093e\u0923\u092a\u0924\u094d\u0930 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0906\u092f \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u090f\u0902 \u092c\u0922\u093c \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u090f\u0915 \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093f\u0924 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0938\u0947 \u0921\u093f\u0917\u094d\u0930\u0940 \u0935\u0947\u0924\u0928 \u0938\u0902\u092d\u093e\u0935\u0928\u093e\u0913\u0902 \u0915\u094b 30% \u092f\u093e \u0905\u0927\u093f\u0915 \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u0915\u0935\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u0930\u094d\u0925\u0928 \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"3329\" data-end=\"3366\"><strong data-start=\"3329\" data-end=\"3366\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u093e \u092f\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0915\u0930\u0928\u093e<\/strong><\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"3368\" data-end=\"3720\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0938\u0902\u091a\u093e\u0932\u0928 \u092f\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u090f\u0915 \u0909\u0924\u094d\u0915\u0943\u0937\u094d\u091f \u0938\u0902\u0938\u093e\u0927\u0928 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u091c\u0939\u093e\u0902 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u090b\u0923 \u0905\u0915\u094d\u0938\u0930 \u0915\u0920\u094b\u0930 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0914\u0930 \u0932\u0902\u092c\u0940 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0906\u0924\u0947 \u0939\u0948\u0902, \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u090f\u0915 \u0905\u0927\u093f\u0915 \u0938\u0941\u0932\u092d \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u20b950,000 \u0938\u0947 \u20b950 \u0932\u093e\u0916 \u0924\u0915 \u0915\u0940 \u0930\u093e\u0936\u093f \u0915\u0947 \u0938\u093e\u0925, \u0909\u0926\u094d\u092f\u092e\u0940 \u0907\u0928\u094d\u0935\u0947\u0902\u091f\u094d\u0930\u0940, \u0935\u093f\u092a\u0923\u0928 \u092f\u093e \u0909\u092a\u0915\u0930\u0923 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u092a\u0942\u0902\u091c\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"3722\" data-end=\"3744\"><strong data-start=\"3722\" data-end=\"3744\">\u092c\u0921\u093c\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f<\/strong><\/p>\r\n<p class=\"\" style=\"padding-left: 40px;\" data-start=\"3746\" data-end=\"4128\">\u0936\u093e\u0926\u093f\u092f\u094b\u0902, \u092f\u093e\u0924\u094d\u0930\u093e \u092f\u093e \u0907\u0932\u0947\u0915\u094d\u091f\u094d\u0930\u0949\u0928\u093f\u0915\u094d\u0938 \u091c\u0948\u0938\u0947 \u092c\u0921\u093c\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u090f\u0915 \u0932\u093e\u0917\u0924-\u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0930\u0923\u0928\u0940\u0924\u093f \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u091c\u0939\u093e\u0902 \u0936\u093e\u0926\u093f\u092f\u094b\u0902 \u0915\u0940 \u0932\u093e\u0917\u0924 \u20b910 \u0932\u093e\u0916 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948, \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0907\u0928 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u090f\u0915 \u0924\u0930\u0940\u0915\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u092a\u094d\u0930\u0924\u093f\u0938\u094d\u092a\u0930\u094d\u0927\u093e\u0924\u094d\u092e\u0915 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0914\u0930 \u0932\u091a\u0940\u0932\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925, \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u0921\u093c\u0947 \u0916\u0930\u0940\u0926\u093e\u0930\u0940 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\n<h3 class=\"\" data-start=\"4130\" data-end=\"4179\"><span class=\"ez-toc-section\" id=\"%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%95%e0%a4%be-%e0%a4%89%e0%a4%aa%e0%a4%af%e0%a5%8b%e0%a4%97-%e0%a4%95%e0%a4%b0%e0%a4%a8%e0%a5%87-%e0%a4%95%e0%a5%87-%e0%a4%ab%e0%a4%be%e0%a4%af%e0%a4%a6%e0%a5%87-%e0%a4%94%e0%a4%b0-%e0%a4%a8%e0%a5%81%e0%a4%95%e0%a4%b8%e0%a4%be%e0%a4%a8\"><\/span>\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<p class=\"\" data-start=\"4181\" data-end=\"4190\"><strong data-start=\"4181\" data-end=\"4190\">\u092b\u093e\u092f\u0926\u0947<\/strong><\/p>\r\n<ol data-start=\"4192\" data-end=\"5069\">\r\n<li class=\"\" data-start=\"4192\" data-end=\"4652\">\r\n<p class=\"\" data-start=\"4195\" data-end=\"4239\"><strong data-start=\"4195\" data-end=\"4239\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902<\/strong><\/p>\r\n<p class=\"\" data-start=\"4244\" data-end=\"4652\">\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u0940 \u090f\u0915 \u092a\u094d\u0930\u092e\u0941\u0916 \u0935\u093f\u0936\u0947\u0937\u0924\u093e \u0909\u0928\u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u0940 \u0926\u0930\u0947\u0902 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 10.5% \u0938\u0947 24% \u092a\u094d\u0930\u0924\u093f \u0935\u0930\u094d\u0937 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u091c\u092c\u0915\u093f \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 36% \u092f\u093e \u0909\u0938\u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u094b \u092c\u0921\u093c\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0905\u0927\u093f\u0915 \u0932\u093e\u0917\u0924-\u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924, \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0908\u090f\u092e\u0906\u0908 \u092c\u091c\u091f\u093f\u0902\u0917 \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0905\u092a\u0928\u0947 \u092e\u093e\u0938\u093f\u0915 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0940 \u092f\u094b\u091c\u0928\u093e \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\r\n<\/li>\r\n<li class=\"\" data-start=\"4654\" data-end=\"5069\">\r\n<p class=\"\" data-start=\"4657\" data-end=\"4700\"><strong data-start=\"4657\" data-end=\"4700\">\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0908\u090f\u092e\u0906\u0908 \u0938\u0947 \u092c\u091c\u091f \u092c\u0928\u093e\u0928\u093e \u0906\u0938\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948<\/strong><\/p>\r\n<p class=\"\" data-start=\"4705\" data-end=\"5069\">\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0938\u092e\u093e\u0928 \u092e\u093e\u0938\u093f\u0915 \u0915\u093f\u0938\u094d\u0924\u0947\u0902 (\u0908\u090f\u092e\u0906\u0908) \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u090f\u0915 \u092a\u094d\u0930\u092e\u0941\u0916 \u0932\u093e\u092d \u0939\u0948\u0902, \u091c\u094b \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u094d\u0935\u093e\u0928\u0941\u092e\u093e\u0928\u093f\u0924 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0930\u093e\u0936\u093f \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915, \u091c\u0948\u0938\u0947 \u090f\u0938\u092c\u0940\u0906\u0908 \u0914\u0930 \u090f\u091a\u0921\u0940\u090f\u092b\u0938\u0940, 1 \u0938\u0947 5 \u0935\u0930\u094d\u0937\u094b\u0902 \u0915\u0947 \u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0932 \u0915\u0947 \u0938\u093e\u0925 \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0927\u093f \u091a\u0941\u0928 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u092a\u0942\u0930\u094d\u0935\u093e\u0928\u0941\u092e\u093e\u0928\u093f\u0924\u093e \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u092c\u091c\u091f\u093f\u0902\u0917 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\r\n<\/li>\r\n<\/ol>\r\n<ol start=\"3\" data-start=\"0\" data-end=\"788\">\r\n<li class=\"\" data-start=\"0\" data-end=\"409\">\r\n<p class=\"\" data-start=\"3\" data-end=\"409\"><strong data-start=\"3\" data-end=\"39\">\u0915\u094b\u0908 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902<\/strong><br data-start=\"39\" data-end=\"42\" \/>\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u092f\u093e\u0928\u0940 \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0940 \u0915\u094b\u0908 \u092d\u0940 \u0938\u0902\u092a\u0924\u094d\u0924\u093f (\u091c\u0948\u0938\u0947 \u0918\u0930 \u092f\u093e \u0915\u093e\u0930) \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u092f\u0939 \u0909\u0928\u094d\u0939\u0947\u0902 \u0909\u0928 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0906\u0926\u0930\u094d\u0936 \u092c\u0928\u093e\u0924\u093e \u0939\u0948 \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u0938\u0902\u092a\u093e\u0930\u094d\u0936\u094d\u0935\u093f\u0915 \u0928\u0939\u0940\u0902 \u0939\u0948 \u092f\u093e \u091c\u094b \u091c\u094b\u0916\u093f\u092e \u0909\u0920\u093e\u0928\u093e \u0928\u0939\u0940\u0902 \u091a\u093e\u0939\u0924\u0947\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0915\u0908 \u0909\u0927\u093e\u0930\u0926\u093e\u0924\u093e \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u094b\u0902 \u0914\u0930 \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u0947 \u0938\u093e\u0925 \u090b\u0923 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0914\u0930 \u092d\u0940 \u0906\u0938\u093e\u0928 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\r\n<\/li>\r\n<li class=\"\" data-start=\"411\" data-end=\"788\">\r\n<p class=\"\" data-start=\"414\" data-end=\"788\"><strong data-start=\"414\" data-end=\"442\">\u0924\u094d\u0935\u0930\u093f\u0924 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0914\u0930 \u0935\u093f\u0924\u0930\u0923<\/strong><br data-start=\"442\" data-end=\"445\" \/>\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0924\u094d\u0935\u0930\u093f\u0924 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0914\u0930 \u0935\u093f\u0924\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f \u091c\u093e\u0928\u0947 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u092a\u094d\u0930\u092e\u0941\u0916 \u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u090f\u0928\u092c\u0940\u090f\u092b\u0938\u0940 (\u091c\u0948\u0938\u0947 HDFC, ICICI, PayMe India) \u0926\u094d\u0935\u093e\u0930\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u0913\u0902 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u090b\u0923 \u0906\u0935\u0947\u0926\u0928 \u0915\u094b \u0915\u0941\u091b \u0939\u0940 \u092e\u093f\u0928\u091f\u094b\u0902 \u092e\u0947\u0902 \u092e\u0902\u091c\u0942\u0930\u0940 \u0926\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0930\u093e\u0936\u093f 24 \u0938\u0947 48 \u0918\u0902\u091f\u094b\u0902 \u092e\u0947\u0902 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u0938\u0941\u0935\u093f\u0927\u093e \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0924\u094d\u092f\u0902\u0924 \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0939\u0948\u0964<\/p>\r\n<\/li>\r\n<\/ol>\r\n<p class=\"\" data-start=\"795\" data-end=\"805\"><strong data-start=\"795\" data-end=\"805\">\u0928\u0941\u0915\u0938\u093e\u0928<\/strong><\/p>\r\n<ol data-start=\"807\" data-end=\"1828\">\r\n<li class=\"\" data-start=\"807\" data-end=\"1141\">\r\n<p class=\"\" data-start=\"810\" data-end=\"1141\"><strong data-start=\"810\" data-end=\"861\">\u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 (\u0915\u092e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u0935\u093e\u0932\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f)<\/strong><br data-start=\"861\" data-end=\"864\" \/>\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u092e <strong data-start=\"883\" data-end=\"898\">CIBIL \u0938\u094d\u0915\u094b\u0930<\/strong> \u0939\u0948 (\u0909\u0926\u093e\u0939\u0930\u0923: 650 \u0938\u0947 \u0915\u092e), \u0924\u094b \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0915\u093e\u092b\u0940 \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902 \u2014 \u0915\u092d\u0940-\u0915\u092d\u0940 24% \u0938\u0947 \u090a\u092a\u0930\u0964 \u092f\u0939 \u090b\u0923 \u0915\u094b \u092e\u0939\u0902\u0917\u093e \u092c\u0928\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0914\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0920\u093f\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0910\u0938\u0947 \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902, \u0932\u094b\u0928 \u0915\u0940 \u0915\u0941\u0932 \u0932\u093e\u0917\u0924 \u092c\u0939\u0941\u0924 \u0905\u0927\u093f\u0915 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092f\u0939 \u0935\u093f\u0915\u0932\u094d\u092a \u0909\u091a\u093f\u0924 \u0928\u0939\u0940\u0902 \u0930\u0939\u0924\u093e\u0964<\/p>\r\n<\/li>\r\n<li class=\"\" data-start=\"1143\" data-end=\"1488\">\r\n<p class=\"\" data-start=\"1146\" data-end=\"1488\"><strong data-start=\"1146\" data-end=\"1177\">\u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0908\u090f\u092e\u0906\u0908 \u0914\u0930 \u0915\u092e \u0932\u091a\u0940\u0932\u093e\u092a\u0928<\/strong><br data-start=\"1177\" data-end=\"1180\" \/>\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923\u094b\u0902 \u092e\u0947\u0902 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u091f\u0947\u0928\u094d\u092f\u094b\u0930 \u0914\u0930 \u0908\u090f\u092e\u0906\u0908 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u092e\u0947\u0902 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u0938\u092e\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 \u090b\u0923 \u091a\u0941\u0915\u093e\u0928\u0947 \u092a\u0930 \u092a\u094d\u0930\u0940-\u092a\u0947\u092e\u0947\u0902\u091f \u0936\u0941\u0932\u094d\u0915 \u092d\u0940 \u0932\u0917 \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u094b \u0915\u0941\u0932 \u0916\u0930\u094d\u091a \u0915\u094b \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092f\u0939 \u0936\u0941\u0932\u094d\u0915 2% \u0938\u0947 5% \u0924\u0915 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u094b \u0905\u091a\u093e\u0928\u0915 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0906\u092f (\u091c\u0948\u0938\u0947 \u092c\u094b\u0928\u0938) \u0938\u0947 \u090b\u0923 \u0938\u092e\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u094b \u0939\u0924\u094b\u0924\u094d\u0938\u093e\u0939\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\r\n<\/li>\r\n<li class=\"\" data-start=\"1490\" data-end=\"1828\">\r\n<p class=\"\" data-start=\"1493\" data-end=\"1828\"><strong data-start=\"1493\" data-end=\"1530\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935<\/strong><br data-start=\"1530\" data-end=\"1533\" \/>\u092f\u0926\u093f \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0915\u093e \u0938\u092e\u092f \u092a\u0930 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u092f\u0939 <strong data-start=\"1600\" data-end=\"1617\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930<\/strong> \u0915\u094b \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u090f\u0915 \u091a\u0942\u0915 \u092f\u093e \u0926\u0947\u0930\u0940 CIBIL \u0938\u094d\u0915\u094b\u0930 \u0915\u094b 50 \u0938\u0947 100 \u0905\u0902\u0915\u094b\u0902 \u0924\u0915 \u0917\u093f\u0930\u093e \u0938\u0915\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u090b\u0923 \u0932\u0947\u0928\u093e \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0935\u0924\u0902\u0924\u094d\u0930\u0924\u093e \u0914\u0930 \u0909\u0927\u093e\u0930 \u0915\u094d\u0937\u092e\u0924\u093e \u0926\u094b\u0928\u094b\u0902 \u092a\u0930 \u0905\u0938\u0930 \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\r\n<\/li>\r\n<\/ol>\r\n<h3 class=\"\" data-start=\"1835\" data-end=\"1883\"><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-%e0%a4%95%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%86%e0%a4%aa%e0%a4%95%e0%a5%8b-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%97%e0%a4%a4-%e0%a4%8b%e0%a4%a3-%e0%a4%b2%e0%a5%87%e0%a4%a8%e0%a4%be-%e0%a4%9a%e0%a4%be%e0%a4%b9%e0%a4%bf%e0%a4%8f\"><\/span>\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937: \u0915\u094d\u092f\u093e \u0906\u092a\u0915\u094b \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u093f\u090f?<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<p class=\"\" data-start=\"1885\" data-end=\"2156\">\u092f\u0926\u093f \u0906\u092a \u0905\u092a\u0928\u0947 <strong data-start=\"1897\" data-end=\"1917\">\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0932\u0915\u094d\u0937\u094d\u092f\u094b\u0902<\/strong> \u0915\u094b \u0930\u0923\u0928\u0940\u0924\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u093f\u0924 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902 \u2014 \u091c\u0948\u0938\u0947 \u090b\u0923 \u0938\u092e\u0947\u0915\u0928, \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0916\u0930\u094d\u091a, \u0936\u093f\u0915\u094d\u0937\u093e, \u0917\u0943\u0939 \u0938\u0941\u0927\u093e\u0930 \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u2014 \u0924\u094b <strong data-start=\"2038\" data-end=\"2054\">\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923<\/strong> \u090f\u0915 \u0909\u092a\u092f\u094b\u0917\u0940 \u0909\u092a\u0915\u0930\u0923 \u0938\u093e\u092c\u093f\u0924 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u093e\u0932\u093e\u0901\u0915\u093f, \u090b\u0923 \u0932\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u092c\u093e\u0924\u094b\u0902 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948:<\/p>\r\n<ul data-start=\"2158\" data-end=\"2382\">\r\n<li class=\"\" data-start=\"2158\" data-end=\"2225\">\r\n<p class=\"\" data-start=\"2160\" data-end=\"2225\">\u0905\u092a\u0928\u0947 <strong data-start=\"2165\" data-end=\"2182\">\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930<\/strong> \u0915\u0940 \u091c\u093e\u0901\u091a \u0915\u0930\u0947\u0902 \u0914\u0930 \u0909\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902 \u092f\u0926\u093f \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u094b\u0964<\/p>\r\n<\/li>\r\n<li class=\"\" data-start=\"2226\" data-end=\"2334\">\r\n<p class=\"\" data-start=\"2228\" data-end=\"2334\">\u092c\u094d\u092f\u093e\u091c 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\u0939\u0948\u0902, \u0905\u092a\u0928\u0947 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":307178,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"\u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928: \u091c\u093e\u0928\u0947\u0902 \u0938\u0939\u0940 \u0928\u093f\u0930\u094d\u0923\u092f \u0915\u0948\u0938\u0947 \u0932\u0947\u0902","_seopress_titles_desc":"\u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u090b\u0923 \u0932\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0907\u0938\u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u091c\u093e\u0928\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 \u091c\u093e\u0928\u093f\u090f \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u0948\u0938\u0947 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