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Printed & Published by NISHIKANT VINAYAK GURJAR on behalf of Mumbai Grahak Panchayat, Printed at India Printing Works, 42 G. D. Ambekar Marg, Wadala, Mumbai - 400 031 and Published at Mumbai Grahak Panchayat, Grahak Bhawan, Sant Dnyaneshwar Marg, JVPD Scheme, Juhu, Vile Parle (West), Mumbai - 400 056 Ph.: 26288624, 26281832, Fax : 26250916. • Email : mpanchayat@gmail.com • Vitaran Email : mgpvitaran@yahoo.co.in • Website: mumbaigrahakpanchayat.org • Editor : Shubhada Chaukar

{ghmoa d bmoH$dU JhynrR>- à¶ËZ Omar 2

RERA Settlement - 79% 4

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Mobile App for Consumer Complaints 19

‘Trans-Fat Free’ logo 19

New Consumer Protection Act, 2019 20

Property Web Portals Must Register With Maharera 21

Insurance gets more inclusive, transparent and customer friendly 22

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J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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aoamMm ’o$am

RERA Settlement - 79%- Sharmila Ranade

Real Estate (Regulation and Development) Act has provided a platform for the aggrieved home buyers to seek relief from the faulting Developers. MGP has been actively involved in Conciliation with Developers Associations since March 2018 to facilitate the settlement of such disputes.

Presently 25 Conciliation Benches are operating in Mumbai, Thane, Pune, Nasik where MGP Volunteers are nominated as Conciliators. Disputes pertaining to claiming interest for delay in handing over the

paid to the Developer, Non formation of Cooperative Housing Society, Non Issuance

before the Conciliation Benches.As of September 2019, 465 cases were

referred for Conciliation out which 318 were referred to Benches in Mumbai and Thane and 147 were referred to Benches in Pune. 210 cases in Mumbai and 98 cases in Pune were successfully settled. Settlements could not be arrived at in 67 cases in Mumbai and 16 cases in Pune. Hearings are in process for

18 cases in Mumbai and 17cases in Pune. It may be noted that the success ratio for Settlement is 78.77%.

MahaRERA has been referring certain cases to Designated Conciliation Benches when the disputing parties agree to resolve their dispute by way of Conciliation. As of now 6 Designated Conciliation Benches are operating in Mumbai and Pune. As of now 13 cases have been referred by MahaRERA out of which 7 have been settled successfully and hearing is in process for 5 cases. Settlement could not be reached in one case.

To MahaRERA,On 12th Oct. 2019, Conciliation case

hearing took place in Andheri.The branch was

addressed by Mr. Paras Gundecha and Adv. Sharmila Ranade. From the time. I entered the premise, there was warmth and positive attitude in every person involved,

Paras Sir and Sharmila Medam. They made me feel like a family.

I really appreciate and thank the two along with Mr. Vishal Doshi from the developers side, for making this hearing a

Regards,Viraj Raje

Happy to share this Letter of

RERA Conciliation -

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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noR>m§Mm gwdU©{ÌH$moU!g§nmXH$s`

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- AZwamYm Xoenm§So>n§Mm¶V noR> à‘wI

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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{d{dY J¥h{Z‘m©U àH$ënm§Mr do~ nmoQ>©bdê$Z Om{hamV H$aUmè`m Mma do~ nmoQ>©bZm aoam H$m`ÚmÀ`m H$joV AmUÊ`mMm ‘hÎdnyU© AmXoe ‘hmaoamZo {Xbm Amho. `m do~nmoQ>©bZm aoam H$m`ÚmÀ`m H$joV AmUmdo, Aer AmJ«hr ‘mJUr ‘w§~B© J«mhH$ n§Mm`VrZo ‘hmaoam àm{YH$aUmH$So> Ho$br hmoVr. Ë`mda àm{YH$aUmZo {ZH$mb {Xbm Amho.

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do~nmoQ>©bhr aoamÀ`m H$joV

"JmoqdX {‘ëH$ A±S> {‘ëH$ àm°S>ŠQ²g', ’$bQ>UÀ`m ‘mH}$qQ>J Q>r‘V’}$ IaoXr g{‘Vr AÜ`jm N>m`m dma§Jo `m§Mm 1 Am°ŠQ>mo~a 2019 amoOr J«mhH$ dZ oWo gËH$ma H$aÊ`mV Ambm. ZdamÌr{Z{‘Îm {d{dY joÌm§‘Ü`o C„oIZr` H$m`© H$aUmè`m ZD$ ‘{hbm§Mm gËH$ma H$aÊ`mMm CnH«$‘ Ë`m§À`m H§$nZrV’}$ ‘mJrb XmoZ dfmªnmgyZ am~dÊ`mV `oVmo. `mdfu `m ZD$ OUt‘Ü`o g¨ñWoÀ`m Amnë`m Á`oð> H$m`©H$Ë`m© N>m`m dma§Jo `m§Mm g‘mdoe H$aÊ`mV Ambm Amho.

N>m`mVmBªMo ‘Z…nyd©H$ A{^Z§XZ!

N>m`m dma§Jo `m§Mm gËH$ma

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

7

Joë`m H$mhr dfmª‘Ü`o EH$ {dbjU n[apñWVr CX²^dbr Amho. g‘mOmbm N>iUmè`m g‘ñ`oda ì`mnH$ VmoS>Jm H$mT>Ê`mgmR>r emgZ EImXr `moOZm hmVmV KoVo. {VMr A§‘b~OmdUr àJVrnWmda AgVmZm n`m©daU g§dY©ZmMm ‘wÔm nwT>§ H$ê$Z {Vbm {damoY Ho$bm OmVmo. H$mhr doim

‘m‘bm Ý`m`mb`mV nmoMVmo. VoWrb {Xa§JmB©nm`r {ZdmS>m bdH$a hmoV Zmhr. n[aUm‘r `moOZm nyU©Ëdmbm ZoÊ`mg {db§~ hmoVmo, {VMm IM©hr dmT>Vmo Am{U Vmoda Ë`m g‘ñ`oZ§ A{YH$ J§^ra én YmaU Ho$ë`m‘wi§ Vr moOZmhr Anwar R>aVo. `m gd© KQ>Zo‘Ü`o Ë`m `moOZoMm bm^ Á`mbm {‘iÊ`mMr Anojm AgVo Am{U Á`mM§ à{V{Z{YËd AmnUM H$aV AmhmoV, Agm àemgZmMm Vg¨M Am§XmobH$m§Mmhr Xmdm AgVmo Ë`m J«mhH$mbm Ë`m à{H«$`oV gm‘rbhr H$ê$Z KoVb§ OmV Zmhr. Ë`mbm J¥hrV Yab§ OmV§. Ë`mÀ`m ‘VmMm H$moUrM {dMma H$aV Zmhr. Zm àemgZ, Zm Am§XmobH$ Zm Ý`m`mb`.

J«mhH$mbm Ag¨ dmè`mda gmoS>Ê`mMr na§nam OwZrM Amho. Ë`mV AmOda J«mhH$mM§ joÌ CËnm{XV ‘mbmnwaV§M Agë`mMm g‘O ê$T> Pmbm hmoVm. eoV‘mb åhUOoM {H$amUm ‘mb qH$dm CËnm{XV åhUOo J¥hmon`moJr ‘mb `m§À`m~m~VrVhr Q>§MmB©À`m AW©ì`dñWoV J«mhH$mÀ`m ‘mWr H$‘r XOm©Mm ‘mb Z nadS>Umè`m qH$‘VrV ‘mabm OmV Ago. Am{U hV~bVoÀ`m AdñWoV Vr ‘wñH$Q>Xm~r

‘oQ´mo Am{U J«mhH${hV

ghZ H$aÊ`mdmMyZ J«mhH$mbm H$moUVmM n`m©`hr {XgV Zgo. `mM§ EH$ à‘wI H$maU åhUOo J«mhH$ g§K{Q>V Zmhr. H$m‘Jma dJ©, CÚmoOH$ Ago àË`oH$ joÌmVrb {hVg§~§Yr g§KQ>ZoÀ`m Omoamda Amnë`m ‘mJÊ`m ‘mÝ` H$ê$Z KoD$ eH$V hmoVo Am{U AmhoV. J«mhH$mbm ‘mÌ Amnë`m h¸$m§Mr OmUrdM Pmbobr Zgë`m‘wi§ g§KQ>ZoÀ`m gm‘Ï`m©~m~VrV Vmo AZ{^kM amhVmo.

`mV n{hbm ~Xb Pmbm Vmo ‘w§~B© J«mhH$ n§Mm`VrÀ`m ñWmnZoZ§Va. X¡Z§{XZ Am`wî`mV JaOoMm AgUmam {H$amUm ‘mb Am{U J¥hmon`moJr dñVy `m§M§ {dVaU n§Mm`VrZ§ gwê$ Ho$ë`mnmgyZ J«mhH$mÀ`m {hVmM§ g§ajU H$aÊ`mbm àmYmÝ` {Xb§ OmD$ bmJb§. na§Vw EH§$XarV bmoH$g¨»`oÀ`m VwbZoV hohr g§KQ>Z AënñdënM åhUmd§ bmJob.

Am{W©H$ CXmarH$aUmM§ YmoaU 1990À`m eVH$mV am~db§ OmD$ bmJë`mZ§Va J«mhH$mgmR>r godm joÌhr Iwb§ Pmb§. qH$~hþZm AmO ì`már Am{U {dñVma m§À`m g§X^m©V VoM joÌ daMT> Amho. `mM YmoaUmnm`r ~mOmanoR>oM§ VÎd godm joÌmbmhr bmJy Pmb§. ‘mJUr Am{U nwadR>m m§À`mVrb g‘VmobmMm n[aUm‘ ‘mbmMm XOm© Am{U qH$‘V `m§À`mda An[ahm`©nUo nSy> bmJbm. Ë`mVyZ CËnm{XV ‘mbmÀ`m ~m~VrV Var J«mhH$ amOm Agë`mM§ àVrV hmoD$ bmJb§. godm joÌmÀ`m ~m~VrV ‘mÌ n[apñWVr AOyZhr ì`ñVM am{hbr Amho.

dmñV{dH$ AmO dmhVyH$ `§ÌUm, ~±qH$J `§ÌUm, Amamo½`godm, {ejU, ‘Zmoa§OZ, {d‘mì`dhma... EH$hr joÌ Ag¨ Zmhr H$s {OW§ J«mhH$mMo {hVg§~§Y ’$ma ‘moR>çm à‘mUmV Jw§Vbobo ZmhrV. na§Vw J«mhH$mÀ`mM CXmgrZVonm`r Ë`m§M§ g¨ajU H$aÊ`mH$So> Xwb©j hmoV Amho. n[aUm‘r `m joÌm§‘Yrb nwadR>mXma Am{U H$m‘Jma Amnmnbo {hVg§~§Y OmonmgÊ`mgmR>r àË`oH$ doir gd©gm‘mÝ` J«mhH$mbmMm doR>rbm YaV AmhoV. ~±H$ H$‘©Mmar g¨nmda OmVmV. Mma-Mma nmM-nmM {Xdg gbJ ~±H$m ~§X amhVmV. Ë`mMm ’$Q>H$m J«mhH$mbmM ~gVmo. Zm ~±H$ àemgZmM§ H$mhr

- S>m°. ~mi ’$m|S>Ho$

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

8

ZwH$gmZ hmoV, Zm H$‘©Mmè`m§M§. àË`oH$ godmjoÌ~m~VrV hrM n[apñWVr Amho.

‘oQ´mo aoëdoÀ`m Amao‘Yrb H$maeoS> g§~§YmV àemgZ Am{U n`m©daUdmXr Am§XmobH$ `m§À`m‘Ü`o Omo g§Kf© gÜ`m Mmby Amho, Ë`mMr JVhr doJir Zmhr. Ë`m ‘oQ´moÀ`m ~m§YUrnm`r gÜ`mÀ`m OrdKoÊ`m dmhVyH$ H$m|S>rVyZ Á`mMr gwQ>H$m hmoÊ`mMr eŠ`Vm Amho Ë`m J«mhH$mMm {dMma H$moUrhr H$aV Zmhr. VWm{n Ë`m J«mhH$mÀ`m {hVmM§M AmnU ajU H$aV Agë`mMm Xmdm gd©M OU H$aV AmhoV. ‘mÌ IamoIaM Ë`m J«mhH$mM§ `m ~m~VrV H$m` ‘V Amho ho H$moUrhr {dMmaV Zmhr. ghZeº$sMr n[agr‘m àX{e©V H$aÊ`mMr gd` A§JdiUr nS>ë`m‘wi§ J«mhH$hr `m ~m~VrV ‘yJ {JiyZ Jßn Amho.

`m g§Kfm©À`m ~m~VrV XmoÝhr nj AmnbrM ~mOy Iar Am{U VH©$g¨JV Agë`mMm AmJ«h YaV AmhoV. dmñV{dH$ Aem H$moUË`mhr àH$ënmV Zâ`mVmoQ>çmMm Vmio~§X H$mTy>Z H$moUV§ nmaS§> daMT> hmoV§, mMm doY ¿`m`bm hdm. d¥jVmoS> Pmë`m‘wi§ n`m©daUmM§ ZwH$gmZ hmoB©b ho {Z{d©dmX. na§Vw Vo Ho$b§ Zmhr Va ‘oQ´mo àH$ën nyU© hmoÊ`mbm Or Iri ~gob qH$dm {db§~ hmoB©b Vohr ZwH$gmZM Amho. H$moUV§ ZwH$gmZ gmogÊ`mMr J«mhH$mMr V`mar Amho, hohr AO‘md`mbm

hd§. H$maU H$moUVmhr ’$m`Xm {dZm‘yë` {‘iV ZgVmo. B§J«OrV åhU Amho- XoAa BO Zmo ’«$s b§M. {ZgJm©Mmhr hmM {Z`‘ Amho. gOrdm§À`m CËH«$m§VrV `mMr à{MVr dma§dma {‘imbobr Amho. Ë`m‘wi§ ‘oQ´mo àH$ën nyd©{Z`mo{OV doimnÌH$mZwgma H$m`m©pÝdV Pmë`mZ§ J«mhH$mMm {H$Vr Am{U H$moUVm ’$m`Xm hmoUma Amho, Vg¨M dmhVyH$ H$m|S>r H$‘r Pmë`m‘wi§ B§YZmMr ~MV Am{U CËgO©Zmnm`r hmoUma§ hdoM§ àXyfU `mV hmoUmar KQ> hohr J«mhH$mÀ`m ’$m`ÚmM§M Amho. Vmo ’$m`Xm {‘idÊ`mgmR>r H$moUVr qH$‘V MwH$Vr H$aÊ`mMr J«mhH$mMr V`mar Amho `mMm {dMma H$moUrhr H$aVmZm {XgV Zmhr. CbQ>njr n`m©daU g§dY©ZmMm ’$m`Xm {‘idÊ`mgmR>r ‘oQ´moÀ`m ~m~VrV H$moUV§ ZwH$gmZ gmogÊ`mMr Ë`mMr V`mar Amho hohr J«mhH$mbm H$moUrhr {dMmabob§M Zmhr, Ë`m~m~VrVë`m Ë`mÀ`m ‘ZmMm H$m¡b KoU§ Va XyaM am{hb§.

åhmVmar ‘oë`mM§ Xw…I Zmhr nU H$mi gmoH$mdVmo, AerM hr pñWVr Amho. Vr A{YH$ H$mi gmogV amhU§ åhUOo J«mhH$mZ§ Amnë`m h¸$m§da H$m`‘Mr {Vbm§Obr XoÊ`mgmaI§ hmoB©b. `mMr OmUrd gd© g¨~§{YVm§Zm H$ê$Z XoÊ`mbm AmO àmW{‘H$Vm Úm`bm hdr.

A§Yoar n§Mm`V noR> gwê$ hmoVr. gdmªZm JUnVrÀ`m AmJ‘ZmMo doY bmJbobo... Amnë¶m g§ñWoÀ¶m {dVaUmÀ¶m ñQ>m°cda Amnco H$m¶©H$V} H$mhr dñVy {dH$V hmoVo. Ë`mV ‘moXH$ {nR>r g¨nbr. J«mhH$ ZmamO hmoD$Z naV OmVmhoV, ho nmhÿZ n§Mm`V noR> à‘wIm§Zr "AmnUM {nR>r V`ma H$ê$Z, J«mhH$m§Zm CnbãY H$ê$Z XoD$' Agm {dMma ‘m§S>bm. Ë`mbm ^¸$‘ nmqR>~m {Xbm- Amgmdar ZmMUo Am{U CëH$m nmQ>rb øm§Zr.

Á`m Vm§XimMr IaoXr H$am`Mr, Ë`mMo ‘moXH$ ZrQ> ~ZVrb H$m! hm àý gmoS>dbm CëH$mZo... Z‘wZm åhUyZ AmUboë`m Vm§XimMr {VZo VmVS>rZo KaK§Q>rda {nR>r Ho$br, CH$S> H$mT>br Am{U ‘moXH$ H$ê$Z Vo noR>oV AmUyZ XmIdbo!

à`moJ `eñdr Pmbm ho ~KyZ noR> à‘wI AZwamYm Xoenm§So> Vm§Xyi IaoXrbm ñdV… Joë`m. Ë`mMdoir AmgmdarZo

KaMo Vm§Xyi M¸$sdmë`mH$So> Xim`bm nmR>dbo. da Ë`mbm V§~r {Xbr, ho Vm§Xyi Xië`mda ‘r oB©n`ªV Xwga§ H$moUV§hr YmÝ` Xim`M§ Zmhr!

AZwamYm Vm§Xyi KoD$Z Amë`m. Ë`m§À`mgmo~V Amgmdar M¸$sda Jobr. Vm§Xyi XiyZ KoVbo. VoWyZ J«mhH$ ^dZmV ZoD$Z n°qH$J H$ê$Z KoVbo Am{U Vo n°H$ n§Mm`V noR>oV AmUbo.

{nR>r Zmhr åhUyZ ZmamO Pmboë`m J«mhH$m§Zm gmo‘dmar noR>oV `oD$Z Mm¡H$er H$am`bm gm§{JVbo hmoVo. Ë`m gd© J«mhH$m§Zr VmOr, ‘moXH$ {nR>r IaoXr Ho$br. Ë`m§À`m Mohè`mdaMm AmZ§X H$m`©H$Ë`mªZm g‘mYmZ XoD$Z Jobm.

BVam§gmR>r YS>nS>Umè`m, Amnbm doi IMu KmbyZ AmZ§XmZo, CËgmhmZo H$m`© H$aUmè`m `m gd© H$m`©H$Ë`mªZm ‘ZmnmgyZ gbm‘!

- Zrbm åhmÌo

øm H$m`©H$Ë`mªZm gbm‘...

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

9

~±H$ H$m Am{U H$er ~wS>Vo ho gd©gm‘mÝ` ~±H$ J«mhH$mbm g‘OUo AeŠ`! gr.Ho$.nr. ~±Ho$À`m R>odrXmam§Mr OI‘ ^ê$Z `m`À`m AmV n§Om~ Am{U ‘hmamï´> ghH$mar ~±Ho$Mr ~mV‘r Ambr. AZoH$m§À`m nm`mImbMr dmiy gaH$br. H$ï>mMm Am{U h¸$mMm n¡gm Z¸$s Hw$R>o Am{U H$gm Jm`~ hmoVmo, ho gaH$mar `§ÌUm§da {dœmg R>odUmè`m gm‘mÝ` ZmJ[aH$m§Zm H$go H$iUma? Aem doir ~±Ho$Vrb R>odrMm {d‘m AgVmo Am{U Ë`m‘wio ImVoXmamÀ`m R>odr g¨a{jV AgVmV, Ago g‘Obo, H$s Amem bJoM n„drV hmoVmV. ‘mÌ `m ~m~VrV n¸$s ‘m{hVr AgUo ’$ma ‘hÎdmMo AgVo. {edm` R>od {d‘m `moOZoVyZ Amnbo {H$Vr n¡go H$Yr {‘iVrb, ho Z¸$s H$iUo, ‘hm‘wpíH$b. åhUyZ g‘OyZ KoD$, AmnU Amnë`m ~±Ho$Vrb n¡emMo {då`mÛmao ajU H$aÊ`mMo H$mhr Cnm`! J«mhH$ n§Mm`VrMo g^mgX åhUyZ Amnë`mbm hr ‘m{hVr A{YH$ Cn`wº$ R>ê$ eH$Vo. Vwåhr BVam§Zmhr `m~m~V OmJê$H$ H$ê$ eH$Vm.

~±H$m§‘Yrb H$moUË`m àH$maÀ`m R>odtZm {då`mMo g¨ajU AgVo Am{U Vo H$moUm‘m’©$V {Xbo OmVo?

~±H$m§‘Yrb gd© àH$maÀ`m R>odtZm {då`mMo g¨ajU AgVo. "R>odr' `mMm AW© ’$º$ "‘wXV R>odr' ZìhoV, Va ~MV ImVo, Mmby ImVo, [aH$[a¨J ImVo, Aem gJù`m ImË`m§‘Yrb {e„H$ a¸$‘hr Ë`mV A§V^y©V AgVo. ho g¨ajU {S>nm°{PQ> BÝewaÝg A±S> H«o$S>rQ> J°a§Q>r H$m°nm}aoeZ' (DICGC)`m [aPd© ~±Ho$Zo ñWmnZ Ho$boë`m ‘hm‘§S>imV’}$ {Xbo OmVo.

H$moUH$moUË`m àH$maÀ`m ~±H$m§Zm ho g¨ajU bmJy Amho?[aPd© ~±Ho$À`m AIË`marV `oUmè`m gd© ~±H$mVrb

R>odtZm, åhUOoM gaH$mar ~±H$m, ImOJr ~±H$m, eoS>çwëS> d {~Ja eoS>çwëS> ghH$mar ~±H$m, `m gdmªZm ho g¨ajU {‘iVo. ‘mÌ nVnoT>çm Am{U ImOJr H§$nÝ`m§Vrb ‘wXV R>odtZm ho g¨ajU bmJy hmoV Zmhr; åhUOoM `m àH$maÀ`m R>odr A{O~mVM g¨a{jV ZmhrV.

~wS>Umè`m ~±H$m Am{U {då`mMo g¨ajU- A^` XmVma

Amnë`m R>odr doJdoJù`m ~±H$m§‘Ü`o AgVrb Va ho g¨ajU H$em àH$mao {‘iVo?

EH$mnojm A{YH$ ~±H$m§‘Ü`o R>odr R>odë`m AgVrb, Va àË`oH$ ~±Ho$Vrb é. 1 bmIn`ªVÀ`m R>odtZm ho g¨ajU bmJy hmoVo. ‘mÌ EH$mM ~±Ho$À`m doJdoJù`m emIm§‘Ü`o R>odrR>odë`m AgVrb Va - EH$mM ~±Ho$À`m doJdoJù`m emIm§‘Ü`o Agboë`m EH$mM ì`º$sÀ`m R>odtMr EH${ÌV a¸$‘ Oa é.1 bmInojm OmñVr Agob, Va ho g¨ajU ’$º$ é. 1 bmIn`ªVM bmJy Amho, Agm {Z`‘ Amho. VgoM ì`mOmgmR>r doJio g¨ajU Zmhr. A{YH$ ñnï> H$ê$Z gm§Jm`Mo åhUOo, g‘Om R>odrMr a¸$‘ é. 1 bmI Amho Am{U ì`mO é.2,000 Amho, Va g¨ajU é.1 bmI n`ªVM {‘iob; R>odrMr a¸$‘ é. 75,000 Amho Am{U ì`mO é.3,000 Amho, Va é. 78,000 `m nyU© aH$‘og g¨ajU Amho.

EH$mM ~±Ho$Vrb EH$ R>od A Am{U ~ `m Zmdm§Zr Amho, Va Xwgar ~ Am{U A `m Zmdm§Zr Amho, Va `m XmoZhr R>odtZm {d‘m g¨ajU {‘iob?

XmoÝhr R>odt‘Ü`o Zmdo Oar gmaIr Agbr Var n{hbo Zmd doJio Amho, Ë`m‘wio {d‘m g¨ajUmÀ`m Ñï>rZo `m XmoÝhr R>odr doJdoJù`m g‘Oë`m OmVrb. VgoM g‘Om A Am{U ~ `m ZmdmZo EH$mM ~±Ho$À`m EH$mM AWdm doJdoJù`m emIm§V Mma doJdoJù`m R>odr AmhoV Am{U ~ Am{U A `m ZmdmZo VrZ doJdoJù`m R>odr AmhoV, Va "A' Mo n{hbo Zmd d ~ Mo Xwgao Zmd Agboë`m Mmahr R>odr EH${ÌV Yaë`m OmVrb Am{U "~' Mo n{hbo Zmd d A Mo Xwgao Zmd Agboë`m VrZhr R>odr EH${ÌV Yaë`m OmVrb.

Á`m‘Ü`o Zmdm§Mm H«$‘ doJdoJim Amho Ë`m R>odr ñdV§Ì g‘Oë`m OmD$Z, àË`oH$s 1 bmImMo g¨ajU àmá H$aVrb Ogo - A, ~ Am{U H$; A, H$ Am{U ~; H$, ~ Am{U A; ~, A Am{U H$; B.B.

ho {d‘m g¨ajU AmUIr H$em àH$mao {‘iVo?AmUIrZ n`m©` AmhoV. g‘Om ì`º$sMr doJdoJir

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

10

ImVr doJdoJù`m A{YH$mam§‘Ü`o (ì`º$s, ^mJrXma, g¨MmbH$, BË`mXr) AgVrb, Va ho {d‘m g¨ajU nwT>rbà‘mUo bmJy hmoVo - lr`wV A `m§Mo ì`{º$JV ImVo, lr`wV A - A~H$ Am{U H§$nZrMo ^mJrXma, lr`wV A - Hw$‘mar H$ Mo dS>rb, lr`wV A - A~H$ CÚmoJ {b{‘Q>oS>Mo g¨MmbH$ BË`mXr. Aem àH$mao doJdoJù`m A{YH$mamV R>odboë`m R>odr AgVrb, Va Ë`m doJdoJù`m JUë`m OmVrb Am{U Ë`m§Zm {d‘mgwajm {‘iob.

`m {då`mgmR>r R>odrXmam§Zm H$mhr hám AWdm ewëH$ ^amdo bmJVo H$m?

Zmhr. `m {då`mgmR>rMm hám ~±H$m ^aVmV.

~±H$m§‘Ü`o Agboë`m gaH$mar `moOZmVrb R>odtZmhr {d‘m g¨ajU Amho H$m?

doJdoJù`m gaH$mar `moOZm§‘Ü`o, Ogo H$s ^{dî` {Zdm©h {ZYr, d[að> ZmJ[aH$ ~MV ImVo, BË`mXt‘Ü`o ~±H$m§‘m’©$V Jw§Vdbobr a¸$‘ hr ~±H$ R>odt‘Ü`o ‘moS>V Zmhr. Ë`m‘wio ho {d‘m g¨ajU m R>odtgmR>r Zmhr. na§Vw m moOZm gaH$mar Agë`mZo Ë`m g¨nyU©nUo gwa{jV JUë`m OmVmV.

hr {då`mMr a¸$‘ R>odrXmambm H$Yr {‘iVo?Ooìhm EImXr ~±H$ {Xdmù`mV {ZKyZ ~§X nS>Vo, Voìhm

hr a¸$‘ Ë`m ~±Ho$da Zo‘boë`m àemgH$m‘m’©$V R>odrXmam§Zm {Xbr OmVo.

`m{df`r AmnUmg A{YH$ H$mhr OmUyZ ¿`m`Mo Agob, Va Vr ‘m{hVr - https://www.dicgc.org.in/FD_A-GuideToDepositInsurance.html `m qbH$da {‘iob.

H$mhr ~±H$m ^m§S>dbr n`m©áVm (capital adequacy) åhUyZ {d{eï> H$mbmdYrgmR>r XrK© ‘wXVrÀ`m (gmYmaUnUo 5 Vo 7 df}) R>odr ñdrH$maVmV. Aem R>odtZm Long Term Deposits (sub-standard) Ago åhUVmV. Aem R>odtda Zoh‘rÀ`m R>odtnojm OmñVr ì`mO XoÊ`mV `oVo. ‘mÌ `m R>odtZm {då`mMo g¨ajU ZgVo. H$mhr AndmXmË‘H$ n[apñWVr dJiVm `m R>odr ‘wXVrnydu H$mTy>Z KoVm `oV ZmhrV Am{U Ë`m§À`mda H$O©hr {‘iV Zmhr. Ë`m‘wio Aer R>od R>oD$ BpÀN>Umè`m§Zr gd© {Z`‘ d AQ>r g‘OmdyZ KoD$Z ‘JM n¡go Jw§VdmdoV.

nrE‘gr ~±Ho$da AbrH$So> [aPd© ~±Ho$Zo AmUboë`m {Z~©Ym§Mr Am{U Ë`m{Z{‘ÎmmZo ~±qH$Jg¨~§Yr CnpñWV Pmboë`m àýmMr XIb KoUo OéarMo Amho. ~±H$m, {dÎmg¨ñWm, {~Ja ~±qH$J {dÎmg¨ñWm `m§À`m H$m‘H$mOmda {Z`‘Z H$aÊ`mMm A{YH$ma [aPd© ~±Ho$g Amho. ñdm`Îm g¨ñWm AgyZhr, Ì`ñWnUo Am{U nmaXe©H$arVrZo H$moUË`mhr hñVjonm{edm` ho H$m‘ [aPd© ~±H$ H$aVo H$m, `m{df`r e§H$m dmQ>mdr, Aer pñWVr gܶm Amho. Aem H$moUË`m KQ>Zm AbrH$S>À`m H$mimV Pmë`m, Á`m‘wio EH$m {XdgmV `m ~±Ho$da {Z`§ÌU AmUmdo Ago {eIa ~±Ho$g dmQ>bo Am{U Ë`m§Zr R>odrXmam§Zm 6 ‘{hÝ`m§VyZ EH$ hOma én`o H$mT>Ê`mMr nadmZJr CXma hmoD$Z {Xbr? ~a§ `mZ§Va Aem H$moUË`m KQ>Zm Pmë`m H$s Á`m‘wio ~±Ho$Mr pñWVr H$mhr Vmgm§VM EdT>r gwYmabr H$s ImVoXmam§Zm hr a¸$‘ H$mT>Ê`mMr ‘`m©Xm àW‘ 10 hOma d Z§Va 25 hOma én`o Am{U `mZ§Va 40 hOma én`m§n`ªV dmT>dyZ XoÊ`mV Ambr?

~±H$m KYC H$aVmV, ~±Ho$Mr KYB (Know your Bank) Hw$Ur H$am`Mr, Aem Ame`mÀ`m nmoñQ> ìhm°Q²gAnda PiH$ë`m. `m {dYmZmV Z¸$sM VÏ` Amho. EH§$XarVM Amnë`mbm Or ‘m{hVr CnbãY Amho, {VÀ`m gË`AgË`m{df`r `mVyZ e§H$m {Z‘m©U hmoVmV. `mV gh^mJr Vnmg `§ÌUm EH$Va gwñV Pmboë`m AmhoV Am{U `mV gwYmaUm hmoÊ`mMr JaO Ë`m§Zm dmQ>V Zmhr. Aem àH$maMr hr H$mhr n{hbr KQ>Zm Zmhr. MyH$ hmoVo Ver Vr gwYmaVmhr `oVo, nU AmnU ‘mÌ nwÝhm nwÝhm Ë`mM MwH$m H$aVmo AmhmoV.

~±H$m d {~Ja ~±qH$J H§$nÝ`m§Mm ‘hÎdmMm ì`dgm` J«mhH$m§H$Sy>Z R>odr ñdrH$mê$Z H$O© XoUo. ì`º$s Am{U CÚmoJm§Zm ì`mO AmH$mê$Z n¡gm (^m§S>db) nwadUo. `mVrb H$mhr H$O} VmaUmgh (CXm. J¥hH$O©, dmhZ H$O©) Va H$mhr H$O} hr {dZmVmaU (CXm. H«o${S>Q> H$mS©>, H°$e H«o${S>Q> gw{dYm) `m àH$mamV AgVmV. `mV Agbobr OmoIr‘ bjmV KoD$Z Ë`mMo `mo½` ì`dñWmnZ ìhmdo `m hoVyZo ~±H$m nVXOm© {Z{üV H$aUmè`m (Rating Agencies)

~±H$m Amncr KYC H$aVmV. ~±Ho$Mr KYC Hw$Ur H$am`Mr? EH$ OmJê$H$ J«mhH$ åhUyZ AmnU H$m¶ H$am¶Mo, Vo g‘OyZ ¿¶m.

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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‘yë`m§H$ZmMo ‘yë`m§H$Zd ‘yë`m§H$Z (Credit Information Companies) H$aUmè`m H§$nÝ`m `m§Mo gmhmæ` KoV AgVmV. `mgmR>r ‘XV ìhmdr åhUyZ Amnë`m gd© ì`{º$JV Am{U g¨ñWmË‘H$ J«mhH$m§À`m ì`dhmam§Mr ‘m{hVr, ‘m{hVr g¨H$bZ H$aUmè`m `m H§$nÝ`m§Zm Xa‘hm nmR>drV AgVmV. `mV H$O}, ’o$S>Ê`mMm nÕVr, H$Om©Mr dma§dmaVm, háo ^am`Mr doi, ^aÊ`mMr nÕV, WH$~mH$s, h‘r a¸$‘, Om‘rZ Aem àH$maMr ‘m{hVr AgVo `mda à{H«$`m H$ê$Z Am{U Ë`mV AÝ` CnbãY ‘m{hVr {‘idyZ ‘yë`m§H$Z H§$nZr ì`º$s Am{U g¨ñWm `m§À`m {dœmgmh©VoMo ‘yë`m§H$Z

H$arV AgVmV. ho ‘yë`m§H$Z VrZ AmH$S>r ñdê$nmV 300 Vo 900 `m A§H$mV Ho$bo OmV AgyZ Vo 750 Agob Va H$O©/H«o${S>Q> H$mS©> {‘iÊ`mV AS>MU `oV Zmhr. Á`m§Mo ‘yë`m§H$Z gdm}ƒ Amho Ë`m§Zm ì`mOXamV, à{H«$`m ewëH$mV {H$aH$moi gdbVrhr {‘iVmV. ‘yë`m§H$Z H§$nZrZo {Xboë`m AhdmbmMr, H$O© qH$dm H«o${S>Q> H$mS©> XoUmè`m g¨ñWog OmoIr‘ ì`dñWmnZ H$aÊ`mg ‘XV hmoVo. gÜ`m [aPd© ~±Ho$Zo ‘mÝ`Vm {Xboë`m Transunion CIBIL ltd, Equifax CIS, Experian CIC, CRIF high mark CIS `m Mma ‘yë`m§H$Z H§$nÝ`m AmhoV. ~±H$m, {dÎmg¨ñWm, {~Ja ~±qH$J g¨ñWm gd© ì`{º$JV Am{U g¨ñWmË‘H$ ì`dhmam§Mr ‘m{hVr Ë`m§Zm nwadVmV. `m gd© ì`dhmam§Mr da gm§{JVë`mà‘mUo doJdoJir Zm|X Am{U AÝ` ì`{º$JV ‘m{hVr `m§Mo n¥W¸$aU H$ê$Z {dñV¥V Ahdmb ~Zdbm

- CX` qnJioOmVmo Am{U Vmo Ë`m ì`º$sg AJa H$O© XoUmè`m g¨ñWoZo ‘m{JVë`mg {Xbm OmVmo. Ago Ahdmb MwH$sMo ~ZV AgmdoV Agm EH$ ì`{º$JV AZw^d "‘ZrbmB©’$'À`m Am°JñQ> ‘{hÝ`mÀ`m A§H$mV {Xbm Amho.

‘m{hVr A{YH$mamMo àgmaH$ {Jare {‘Îmb `m§Zr AbrH$So>M EH$m ~±Ho$Mo H«o${S>Q> H$mS©> {‘idÊ`mgmR>r AO© Ho$bm hmoVm, na§Vw Trans Union CIBIL ltd `m H§$nZrZo Ë`m§Mo ‘yë`m§H$Z 662 åhUOoM {dœmgmh© Zmhr, Agm Ahdmb {Xë`mZo, Vo Iam~ Agë`mMo H$maU XoD$Z H«o${S>Q> H$mS©> XoÊ`mg ZH$ma {Xbm. {Z`{‘VnUo 25 df} H$mQ>oH$moanUo

ì`dhma H$aUmè`m ì`º$sg hm ‘moR>m Y¸$m hmoVm. [aPd© ~±Ho$À`m {Z`‘mZwgma Aem àH$mao J«mhH$m§Mr ‘m{hVr g¨H${bV H$aUmè`m H§$nÝ`m§Zm g¨~§{YV J«mhH$mZo ‘mJUr Ho$ë`mg H°$b|S>a dfm©V EH$Xm Ë`mMm {dñV¥V OmoIr‘ Ahdmb {dZm‘yë` XoUo ~§YZH$maH$ Amho. `mà‘mUo {‘Îmb `m§Zr Amnë`m AhdmbmMr ‘mJUr Ho$br AgVm Agm {dñV¥V Ahdmb Z XoVm ’$º$ Ë`mMo ‘yë`m§H$Z {H$Vr Vo gm§JÊ`mV Ambo Am{U {dñV¥V Ahdmb hdm Agë`mg Ë`mgmR>r bmJUmao n¡go {H$Vr Vo gm§JÊ`mV Ambo. `m H§$nÝ`m Amnbm Ahdmb H$gm V`ma H$aVmV (~ZdVmV!) Vo Hw$UmbmM gm§JV ZmhrV. `mg¨~§Yr H$moUmbm VH«$ma H$am`Mr Agob Va Aer VH«$ma H$aÊ`mMr gmo`, ‘m{hVr V§ÌkmZ H§$nZr åhUyZ ñdV…Mr nmR> WmonQy>Z KoUmè`m `m H§$nZrÀ`m g¨Ho$VñWimda Zmhr. Ë`m‘wio Amnbr VH«$ma

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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CIBIL H$So> nmohmoMdUo, hoM ‘moR>o AmìhmZmË‘H$ H$m‘ hmoD$Z OmVo. à`ËZnyd©H$ VH«$ma Ho$ë`mda AMmZH$ `m aoqQ>J‘Ü`o 800 n`ªV dmT> H$aÊ`mV Ambr. ‘yë`m§H$Z H$‘r AgÊ`mgmR>rMo CIBIL Zo {Xbobo H$maU {dg¨JV hmoVo Am{U Vo VH«$maH$Ë`m©À`m ~±Ho$Zo {Xboë`m ì`dhmamer g¨~§{YV ZìhVo. EH$Xm ì`dhma H$‘r-A{YH$ OmoI‘rMm H$gm R>admdm `mg¨~§Yr [aPd© ~±Ho$Mr Or ‘mJ©Xe©H$ VÎdo AmhoV, Ë`mV Aem ì`dhmamVrb OmoIr‘ AJXrM ZJÊ` hmoVr. Ë`m‘wio ‘yë`m§H$Z ‘moR>`m à‘mUmV H$‘r A{YH$ H$go Pmbo Vo ZdbM åhUmdo bmJob. Ë`m‘wioM Aem ‘yë`m§H$Z `§ÌUoV H$mhrVar JS>~S> Agmdr, Ë`mMm ’$m`Xm H$mhr g‘mO {dKmVH$ bmoH$ Amnë`m ñdmWm©gmR>r H$ê$ eH$VmV. Voìhm `m ‘yë`m§H$ZmMo ‘yë`m§H$Z hmoÊ`mMr Oéar AmO {Z‘m©U Pmbr Amho.ho H$am :· EH$ OmJê$H$ J«mhH$ åhUyZ Amnë`mbm H$O© ¿`m`Mo

Agmo AWdm Zgmo AmnU Amnbo nV‘yë`m§H$Z H$ê$Z ¿`mdo Am{U Vo `mo½` Zgob Va ‘yë`m§H$Z H§$nZrH$So> VH«$ma H$amdr. ho ‘yë`m§H$Z dfm©VyZ EH$Xm {dZm‘yë`

{‘iVo. `m{Z{‘ÎmmZo AmnUmg ^{dî`mV {H$Vr H$O© {‘iy eHo$b `mMm A§XmO ~m§YVm `oVmo qH$dm ‘yë`m§H$Z dmT>dÊ`mMm à`ËZ H$aVm `oVmo.

· ì`dgm`mÀ`m {Z{‘ÎmmZo AmnUmg dma§dma H$O© KoÊ`mMr Oê$a nS>V Agob Va arVga ’$s ^ê$Z {Z`{‘V Ahdmb ¿`mdoV Am{U Ë`mZwgma Amdí`H$ Vo Cnm` `moOmdoV.

· AmnU Om‘rZXma Agbobr ì`º$s doioda H$O© ’o$S>V Agë`mMr ImÌr H$ê$Z ¿`mdr. AmnU ì`dpñWV Agbmo Am{U Om‘rZXma H$O© {Z`{‘V ’o$S>V Zgob Va Ë`mMm n[aUm‘ Amnë`m ‘yë`m§H$Zmda hmoV AgVmo.

· Amnbr gd© H$O} {Z`{‘VnUo ’o$S>drV. H«o${S>Q> H$mS©>darb {d{hV ‘`m©XoÀ`m AmVM ì`dhma nyU© H$amdoV.

· H$mS©> H§$nZr Oa Aer ‘`m©Xm ñdV…hÿZ dmT>dyZ XoV Agob Va Vr dmT>dyZ ¿`mdr, H$maU Aer ‘`m©Xm Z ‘mJVm dmT>dbr OmUo åhUOo Amnbo ‘yë`m§H$Z C§MmdV Agë`mMo bjU Amho.

ghH$mar J¥h{Z‘m©U g§ñWm§Zr Ë`m§À`mH$S>rb Amoë`m H$Mè`mMo Ë`m§À`mM AmdmamV IV V`ma H$ê$Z jonU^y‘rda nmR>dë`m OmUmè`m H$Mè`mMo à‘mU H$‘r ìhmdo m CÔoemZo MGP Zo Aem H¥${Verb gmogm`Q>çm§Zm Am{W©H$ àmoËgmhZ XoÊ`mMo R>a{dbo Amho. hr `moOZm gwédmVrbm R>mUo, S>m|{~dbrAm{U H$m§{Xdbr `m ^m¡Jmo{bH$ {d^mJm§‘Yrb gmogm`Q>çm§Zm bmJy hmoVr. darb {d^mJm§‘Yrb H$mhr gmogm`Q>çm§Zm g§~§{YV {d^mJmÀ`m H$m`©H$Ë`mªZr EH$m nÌmÛmao g¨nH©$ H$ê$Z darb `moOZoMr ‘m{hVr {Xbr. R>mUo {d^mJm§VJ©V Eoamobr `oWrb "JwS>{db hm‘©Zr gmogm`Q>r'Zo darb `moOZm ñdrH$mê$Z Ë`mZwgma H$m`© H$aÊ`mg ’o$~«wdmar 2019 nmgyZ gwédmV Ho$br. XmoZXm narjU Ho$ë¶mda hr gmogm`Q>r Am{W©H$ àmoËgmhZ `moOZogmR>r nmÌ Amho, Ago OmUdco. "JwS>{db hm‘©Zr gmogm`Q>r'bm é.15,000 qH$dm àH$ën C^maUr IMm©À`m AYu a¸$‘ `mn¡H$s Or

H$‘r Agob Vr g§ñWoH$Sy>Z n`m©daUr` H$m‘mgmR>r Am{W©H$ àmoËgmhZ åhUyZ XoÊ`mV `oB©b.

hr à{H«$`m nyU© Pmë`mZ§Va darb `moOZm AmUIr VrZ ^m¡Jmo{bH$ {d^mJm§Zr hmVr KoÊ`mMo AmdmhZ g§ñWoZo Ho$bo Amho. BÀNw>H$ {d^mJm§Zr n`m©daU {d^mJmer g¨nH©$ gmYmdm.

IV H$aUmè¶m gmogm`Q>çm§Zm Am{W©H$ àmoËgmhZ - ñdmVr {Q>„ÿ

g‘Ýd`H$, n`m©daU {d^mJ

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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R>mUo `oWo gwg‚m dmVmZwHw$brV Aem H$m§Vr {dgm[a`m hm°b‘Ü`o ‘w§~B© J«mhH$ n§Mm`V noR> 23 gßQ>|~a Vo 30 gßQ>|~a `m H$mbmdYrV ^abr hmoVr. ew^ma§^ A{Ve` gmYonUmZo nU ‘m§Jë`nyU© dmVmdaUmV JUoe nyOZmZo H$aÊ`mV Ambm. R>mÊ`mÀ`m Á`oð> H$m`©H$Ë`m© ‘mOr H$m`m©Ü`j gwf‘m ZmVy `m§Zr JUoenyOZ Ho$bo. noR>oMr Ywam A§Obr ~mnQ> d ew{MVm nmQ>UH$a `m§Zr g‘W©nUo nobbr Am{U hm OJÞmWmMm aW H$m`m©pÝdV R>odÊ`mMo H$m‘ gd© H$m`©H$Ë`mªZr AmZ§XmZo, CËgmhmZo, ghH$m`m©Zo Am{U Ioir‘oirZo Ho$bo.

noR>oV IaoXr H$aUmè`m J«mhH$m§À`m à{V{H«$`m- "Amåhr Vw‘À`m n§Mm`V noR>ogmR>r Wm§~Vmo H$maU BVa J«mhH$ noR>m§nojm BWo Img Ago H$mhrVar AgVo. ‘mbmMm XOm© CÎm‘ Am{U amñV ^md, Iam~ qH$dm Zmng¨V ‘mb naV KoVbm OmVmo. nmdVrMm AmJ«h Am{U ^mdmMr KmgmKrg Zgë`mZo ’$gbo OmÊ`mMr ^mdZm ZgVo.' EH$m R>mUoH$a J¥{hUrZo g‘mYmZ ì`º$ H$ê$Z åhQ>bo, "{XdmirMm ’$ami ~Zdm`bm Añgb Ho$ea-dobMr Am{U I‘§J ^mOUr BWo g¨ñWoÀ`m ñQ>m°bda KoVbr åhUOo qMVmM ZH$mo. EH$mM N>ÌmImbr H$nSo>, XmJ-Xm{JZo, oQ>dñVy, Zì`m àH$maMr ^m§S>r gd© H$mhr

Aer a§Jbr R>mÊ`mMr noR>!

Am{U AmVm Va H$mS>m©Mm dmnagwÕm H$aVm oVmo.' JmioYmaH$m§Zr {dH«$s~Ôb, ì`dñWo~Ôb Am{U

H$m`©H$Ë`mªÀ`m ghH$m`m©~Ôb g‘mYmZ ì`º$ Ho$bo. em§{VdZ, {dœmg, AmYma `m g¨ñWm§Mo Jmio gm‘m{OH$ OmUrdoVyZ R>odÊ`mV Ambo hmoVo. ZoÌXmZmÀ`m ñQ>m°bda Wm§~yZ bmoH$ ‘m{hVr KoV hmoVo. {ejU {d^mJmMm "OmJmo J«mhH$ OmJmo' ñQ>m°b J«mhH$m§À`m ‘m{hVrV ^a KmbV hmoVm.

g‘mamonmÀ`m {Xder H$m`m©Ü`j A°S>. {earf Xoenm§So> `m§Zr noR>obm ^oQ> XoD$Z g‘mYmZ ì`º$ Ho$bo. R>mÊ`mVrb AZoH$ à{V{ð>V ZmJ[aH$hr AmdOy©Z `oD$Z Jobo. J«mhH$m§Mr IaoXrgmR>r Pw§~S> CS>mbr hmoVr. eodQ>À`m {Xder {dVaUmMo Cabobo gm‘mZ emhÿ ‘mH}$Q>bm nmohmoM{dÊ`mMo ‘hÎdmMo Am{U O~m~XmarMo H$m‘ H$m`m}nmÜ`j à^mH$a JdmUo d H$m¡ñVw^ gwio `m§Zr nma nmS>bo. EH$ Zdo H$m`©H$V} Hw§$Q>o `m§Zr {dVaUmVrb nXmW© XoUo, {Xdg^amMm {hemo~ R>odUo ho H$m‘ A{Ve` CËgmhmZo Am{U hgV‘wImZo Ho$bo. EH§$Xa R>mÊ`mMr noR> Mm§JbrM `eñdr Pmbr.

- amo{hUr ^mdo

`mdfu Amnë`m noR>oÀ`m AÜ`jm AZwamYm Xoenm§So> øm§Zr "S>m|{~dbrV Amnbr noR> ^amdr' Agm {dMma ‘m§S>bm. noR> g{‘VrÀ`m AÜ`jm AZwamYm Xoenm§So> S>m|{~dbrbm `oD$Z H$m`©H$Ë`mªer gwg§dmX gmYbm. VgoM, "OmJmo J«mhH$ OmJmo'À`m ñQ>m°bgmR>r H$m`©H$V} V`ma H$aÊ`mg {ejU {d^mJmÀ`m à‘wI dgw§Yam XodYahr Amë`m hmoË`m. ¶m XmoKtÀ¶m ^oQ>r‘wio H$m¶©H$˶mªMm CËgmh dmT>bm.

Am{U Vmo {Xdg COmS>bm. 1 Am°ŠQ>mo~a 2019. "Amåhr S>m|{~dbrH$a' ‘m{gH$mMo H$m`©H$mar g§nmXH$ à^y H$mngo øm§À`m hñVo EH$ N>moQ>oImZr CX²KmQ>Z gmohim g§nÞ Pmbm. doJdoJù`m CËnmXZm§Zr noR> gObr hmoVr. ßbmpñQ>H$ {neì`m§Zm gº$ ‘ZmB© hmoVr Am{U {nÊ`mÀ`m bhmZ bhmZ

Q>mJ}Q> nma Ho$co!

~mQ>ë`m Z R>odVm ‘moR>çm ewÕ nmÊ`mÀ`m ~mQ>ë`m Am{U {S>ñnoÝga‘YyZ gd© J«mhH$, ñQ>m°b hmoëS>a, H$m`©H$Ë`mªgmR>r ‘mo’$V nmÊ`mMr gmo` Ho$br hmoVr.

gd© H$m`©H$Ë`mªMm CËgmhm‘wio noR> CÎm‘arË`m eñdr Pmbr. n{hë`m noR>og Amåhr EH$ Q>mJ}Q> R>odbo hmoVo Am{U Vo nma Ho$bo. AmVm nwT>À`m dfu ‘moR>o Q>mJ}Q> R>odÊ`mMm {dœmg dmT>bm Amho.

- amOZ X. g‘oi

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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gmV Vo 13 AmŠQ>mo~a 2019 ¶m H$mimV dgB©V noR> abr hmoVr. {dama-Zmbmgmonmam-dgB© `oWrb H$m`©H$Ë`m©Mm CËñ’y$V© gh^mJ `m noR>o‘Ü`o hmoVmo. ‘w§~B© J«mhH$ n§Mm`V H$m`©dmh A{ZVm ImZmobH$a `m§Mm gh^mJ ‘mÌ ’$maM C„oIZr`. noR> à‘wI Ago {~ê$X Z KoVm Ë`m gd© ^y{‘H$m nma nmS>VmV. H$m`©H$Ë`mªZm àoaUm XoÊ`mgmR>r n§Mm`V noR> à‘wI AZwamYm Xoenm§So> dgB©n`ªV AmdOy©Z Amë`m.

n§Mm`V noR>oMo CX²KmQ>Z AmJù`m-doJù`m nÕVrZo Pmbo. dgB©Vrb g‘mOgodoV ‘mhra AgUmam d JwJb‘Ü`o ‘moR>o nX ^yfdUmao {MÝ‘` JdmUH$a d nÌH$ma-boIH$ doXdVr {MniyUH$a `m XmoZ VéU à{V{ZYter ‘¥Xwbm {MniyUH$a `m§Zr gwg§dmX gmYbm. `m H$m`©H«$‘mg ‘w§~B© J«mhH$ n§Mm`VrMo H$m`m©Ü`j A°S>. {earf Xoenm§So> AmdOy©Z CnpñWV hmoVo. Á`oð> gm{hpË`H$m drUm JdmUH$a `m§Mr {deof CnpñWVr hmoVr.

`m H$m`©H«$‘mV {d{dY d`moJQ>mVrb bmoH$m§Mo n§Mm`V noR>m `m {df`m~m~V {dMma‘§WZ Pmbo. ‘¥Xwbm {MniyUH$a `m§Zr {dMmaboë`m àýmVyZ ‘w§~B© J«mhH$ n§Mm`VrÀ`m

dgB© noR> Vw’$mZ ¶eñdr!

‘hÎdmÀ`m CnH«$‘m§V ZdrZ {nT>rbm g‘m{dï> H$aÊ`mgmR>r Z¸$s H$m` H$amdo bmJob, `mMo {dMma‘§WZ gwê$ Pmbo.

`m noR>oV amÌr {dH«$sMm AmH$S>m XoUmao ñQ>m°bYmaH$m§Mo Mohao nmhUo, Ë`m§À`m {dH«$s~m~VÀ`m ^mdZm {Q>nUo ho ‘Zmbm g‘mYmZ XoUmao R>aco. "OmJmo J«mhH$'À`m ñQ>m°bda bhmZ ‘wbm§~amo~a ‘moR>r ‘mUgohr CËgwH$VoZo, Hw$VyhbmZo àý {dMmaV hmoVr. Amnbo H$m`©H$V} Ë`m§Mo e§H$m-g‘mYmZ H$aV hmoVo. AZoH$ OU g§K ñWmnZ H$ê$, Ago AmœmgZ XoD$Z Jobo. J«mhH$m§À`m ~mobŠ`m à{V{H«$`m nwT>rb àJVrgmR>r Z¸$sM àoaUm XoUmè`m hmoË`m. {dVaUmMm ñQ>m°b R>odÊ`m‘mJo Amnë`m gm‘mZmMm XOm© g^mgX ZgUmè`m ì`º$s¨Zm AZw^d XoD$Z g^mgX hmoÊ`mg àd¥Îm H$aUo hmM hmoVm.

IaoXrMm AmZ§X ‘Z‘wamX bwQ>Umao J«mhH$ d dgB©V J«mhH$m§er md{ZH$ ZmVo Owibo Ago gm§JUmao ñQ>m°bYmaH$, df©^a ‘ohZV H$aUmè`m Am‘À`m n§Mm`V noR> AÜ`jm d gd© H$m`©H$V} `m§Zm hr noR> g‘mYmZ XoD$Z Jocr.

- ‘oKZm Hw$bH$Uu

‘w§~B© J«mhH$ n§Mm`V hr EH$ ‘moR>r J«mhH$ Midi Amho. ‘mP§ d`, Aä`mg Am{U AZw d bjmV KoVm ‘mÂ`mgma»`m bhmZ ‘wbrMr ‘V§ {dMmamV KoÊ`mgmaIr Agy eH$VmV, hm IwbonUm ‘w§~B© J«mhH$ n§Mm`VrZo XmIdbm. àM§S> Aä`mg Agbobr Am{U {XdgamÌ Ho$di H$m‘mMmM {dMma H$aUmar ‘§S>ir g‘moa AgVmZm ‘bm ‘mPr ‘V§ ‘m§S>Vm Ambr. A°S>. {earf Xoenm§So> gam§Zr ñdV… ‘mP§ åhUU§ bjnyd©H$ EoH$b§, ‘mÂ`m ‘wX²Úm§Mr Zm|X KoVbr Am{U Ë`mda à{V{H«$`mhr {Xë`m. Á`m ì`º$sZo MidirM§ H$m © g wº$ amï>m§n ªV nmohmoMdb§, Ë`m ì`º$sZo ‘mÂ`mgma»`m ‘wbrÀ`m åhUÊ`mMm Jm§ r`m©Zo {dMma Ho$bm, hr eãXm§V ì`º$ Z H$aVm oÊ`mBVH$s ‘moR>r ~m~ Amho!

‘mÂ`m Ñï>rZo hr Ho$di gwédmV Amho. Or Midi AË`§V ‘ohZVrZo Am{U J«mhH$ h¸$m§~ÔbÀ`m AmË‘r`VoZo

‘m¡ë¶dmZ g§Yr

C^r am{hbr Am{U BVH$s XeH§$ AZoH$m§Zr Amnbm Ord AmoVyZ Vr g{H«$` R>odbr, Ë`m MidirgmR>r Amnbmhr hmV^ma bmJmdm, hr BÀN>m hiyhiy {Z‘m©U hmoVM hmoVr.

bhmZnUmnmgyZ Á`m g¨ñWoM§ H$m‘ ~KV Ambo Vr g¨ñWm ^{dî`mV ^¸$‘ amIU§ hr Am‘À`m {nT>rMr O~m~Xmar Amho ho ‘bm ‘mhrV hmoV§, OmUdV hmoV§. Ë`mgmR>r àË`jmV H$m` H$amd§ bmJob `mMr dmQ> emoYÊ`mAmYrM `m H$m`©H«$‘mÀ`m {Z{‘ÎmmZo ‘mÂ`mgmR>r EH$ XadmOm Iwbm Pmbm.

- doXdVr {MniyUH$a

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

15

dmMy AmZ§Xo

OmZodmar 2020 À`m dmQ>nmVrb nwñVHo$

Bån’}$ŠQ> - g¨O` ‘m§OaoH$a g§O` ‘m§OaoH$a. 1980-90À`m XeH$mVrb {H«$Ho$Q>nQy>. "IoimV Iyn H$mhr Ord ZgVmZmhr' d{S>bm§Mr bmoH${à`Vm ~KyZ ^mamdyZ Joë`m‘wio {H«$Ho$Q> hm gmo`rMm ‘mJ© {ZdS>bm', Ago g¨O` åhUVmo. Z§Va ‘mÌ Ë`mZo {H«$Ho$Q>gmR>r ñdV…bm PmoHy$Z {Xbo. 100hÿZ A{YH$ Am§Vaamï´>r` gm‘Zo Vmo Ioibm. Z§Vahr "H$m°‘|Q>oQ>a' åhUyZ ‘moR>r goH§$S> BqZJ JmOdbr. `m {H«$Ho$Q>nQy>Mo àm§Oi AmË‘H$WZ Z¸$s dmMm.

{dO` ‘m§OaoH$a `m§À`m VmnQ> ñd^mdm‘wio VmUnyU© ~mbnU dmQ>çmbm Ambo, ho Vmo gSo>VmoS>nUo {b{hVmo. d{S>bm§À`m bm¡{H$H$m‘wio ~mbnUr AZoH$ ‘moR>çm IoimSy§>Mm ghdmg H$gm {‘imbm, "^{dî`mVbm H$gmoQ>rnQy>' åhUyZ d{S>bm§Zr Ë`mbm

H$g¨ KS>db§, hohr g¨O`Zo ‘moH$ionUmZo {b{hbo Amho.{H«$Ho$Q>nQy> Pmë`mZ§VaÀ`m a§OH$ AmR>dUr OmJdVmZm

dmSo>H$a, JmdgH$a, g§Xrn nmQ>rb, adr emór, H${nb Xod, B‘«mZ ImZ, V|Sw>bH$a `m§À`m ghdmgmVrb jUhr Ë`m§Zr {b{hbo AmhoV. `emÀ`m Am{U An`emÀ`m doir AZw^dbobr ‘ZmodñWm Ë`mZo dU©Z Ho$br Amho.

{H«$Ho$Q> OJVmVrb dmVmdaU, g§Kf©, àd¥Îmr, AmìhmZo, X~md Ago AZoH$ H§$Jmoao Ë`m§Zr XmIdyZ {Xbo AmhoV. Ë`m§Mr {ZarjUo VrúU AmhoV. {dûcofH$mÀ`m ^y{‘Ho$VyZ ñdV…À`m H$m‘{JarMm Am{U {H«$Ho$Q> {dœmVrb KQ>Zm§Mm AmT>mdm Ë`m§Zr m nwñVH$mVyZ KoVbm Amho. ñdV… dmMm`bm Am{U ^oQ> Úm`bm CÎm‘ nwñVH$ Amho ho.

- ew^Xm Mm¡H$a

Bån’}$³Q> - coIH$ … g§O¶ ‘m§OaoH$a, AZwdmX … ‘rZm H${U©H$, Aja àH$meZ, N>mnrc qH$‘V … 250/-, dmQ>nmVrc

qH$‘V … 178/-

am° - ^maVr` JwáMa g¨ñWoMr JyT>JmW>m"am°' `m JwáMa g¨ñWo{df`r AZoH$m§À`m ‘ZmV Hw$Vyhb Amho. VgoM {VÀ`m{df`r AZoH$ Amjonhr KoVbo OmVmV. amï´>r` d Am§Vaamï´>r` ñVamda `m g¨ñWo{df`r `oUmè`m ~mVå`m ‘ZmV CËgwH$Vo~amo~a e§H$mhr {Z‘m©U H$aVmV. Ë`mbm CÎma åhUOo ho nwñVH$. am°, "[agM© A°ÊS> A°Zm{b{gg qdJ'À`m OÝ‘mnmgyZ AmoiI H$ê$Z XoD$Z, ‘hÎdnyU© KQ>Zm§‘mJrb am°À`m H$m`©dmhrMr OmZnhMmZ boIH$ H$ê$Z XoVmV.

~m§JbmXoeÀ`m {Z{‘©Vr‘mJrb g¨nyU© nmœ©^y‘r g‘OyZ KoÊ`mgmR>r `m nwñVH$mVrb àH$aUo 4 Vo 8 dmMm`bm hdrV. Jwáhoa ho EImÚm XoemMm ZH$mem ~Xby eH$VmV, ho `mVyZ g‘OVo. "{g¸$s‘' ho N>moQ>ogo Am{U gr‘oÀ`m Ñï>rZo ‘hÎdmMo amÁ`. Vo ñdV§Ì ahmUo ho qhXwñWmZÀ`m Ñï>rZo AË`§V

YmoŠ`mMo. am°À`m hñVH$m§Zr {g¸$s‘bm ^maVmÀ`m g§KamÁ`mV {dbrZ hmoÊ`mg ^mJ nmS>bo Am{U ^maVmMr g§ajU ì`dñWm ~iH$Q> Pmbr.

am° åhQ>bo H$s Ë`mMo g¨ñWmnH$ am‘oœa ZmW H$md m§Zm {dgaVm `oUo eŠ` Zmhr. Am§Vaamï´>r` ZoVo, JwáMa g¨ñWm à‘wI `m§À`mer Agboë`m gm¡hmX©nyU© g¨~§YmMm ’$m`Xm Vo Amnë`m Xoembm H$gm Am{U {H$Vr H$ê$Z KoVmV, ho dmMyZ Amü`m©Zo W¸$ ìhm`bm hmoVo. EH$m ‘mJyZ EH$ àH$aUo dmMVmZm OwÝ`m KQ>Zm§‘mJrb Jw{nVo dmMm`bm {‘iVmV. "amBQ> Am°a am±J... ‘m` H§$Q´r' ho YmoaU Agboë`m am°À`m nS>Úm‘mJrb H$m`m©Mm boImOmoIm g‘OyZ KoÊ`mgmR>r ho nwñVH$ {dH$V ¿`m.

- AZwamYm Zagmioam° - maVr¶ JwáMa g§ñWoMr JyT>JmWm - coIH$ … a{d Am‘co, ‘Zmo{dH$mg àH$meZ, N>mnrc qH$‘V … 299/-, dmQ>nmVrc qH$‘V … 214/-

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

16

J«mhH$ n§Mm`V noR> … nZdoc d Zm{eH$ñQ>m°b d¡{eï>ço nZdob Zm{eH$gmB©‘m H$boŠeZ gd© àH$maÀ`m gmS>çmamOy E~«m°`S>ar dŠg© Amgm‘, Q>ga {gëH$ gmarO d S´o>g ‘Q>o[aAblr {gëH$ H$m§Mrnwa‘, H$m§Orda‘ doS>tJ {gëH$ gmS>çmñdm{‘Zr H$boŠeZ BaH$b, noedmB© {gëH$, BMbH$a§Or H$m°Q>Z gmS>çmgmYZm gmarO gmD$W H$m°Q>Z gmS>çmAWd© H$boŠeZ Om‘XmZr, H$moam, Bar, ~Zmagr, H$mogm {gëH$Am{XVr H$boŠeZ {d{dY àH$maMo S´o>g ‘Q>o[aAbhþJir h±S>rH«$mâQ> H$mobH$mVm S´o>g ‘Q>o[aAb, gmS>çm, MmXar B.AmeyO H$boŠeZ S´o>g ‘Q>o[aAbAZwamYmO² H$boŠeZ ‘hoœar, H$b‘H$mar, ß`wAa {gëH$ S´o>g ‘Q>o[aAbEìh[aqWJ ’$m°a ha {‘Šg A°ÊS> ‘°M H$m°Q>Z S´o>g ‘Q>o[aAbñdmVr E§Q>aàm`Pog Xm~y qàQ>, JmoQ>m nÅ>r, ßbmPmo, ñH$Q>© ßbmPmoAm~§Y AmQ>©g² àm. {b. dmabr qàQ>oS> am° {gëH$ S´o>g ‘Q>o[aAb, em°Q>© Q>m°ßg²‘mohH$ {H«$EeÝg ’°$Ýgr Hw$Vu, H$b‘H$mar, BŠH$V ao{S>‘oS> Hw$V}ñne© {H«$EeÝg bIZdr Hw$Vu, n{Q>`mbm, ßbmPmo, S´o>g ‘Q>o[aAbd¥ï>r {H«$EeZ ImXr Hw$Vu, hm’$ ñH$Q>©, ImXr Q>m°ßgdëbar ’°$eZ So>{Z‘ H$mnS>mÀ¶m Hw$Vu, O°Ho$Q>, ßbmPmogmam H$boŠeÝg aoS>r‘oS> Hw$Vu, ßbmPmo, XwnÅ>o B.H$m`am H$boŠeZ bo{JÝg, O°Ho$Q>g², {gëH$ Hw$Vu, S´o>g ‘Q>o[aAbAZ§Xm {H«$EeZ AmYw{ZH$ ’°$eZMo ãbmD$O, O°Ho$Q>g², ñH$Q>© B.bwH$ A°Q> ‘r gd© d`moJQ>m§gmR>r CÎm‘ XOm©Mo ZmB©Q> gyQ>ñdpñVH$ hmo{OAar boS>rO A§S>aJm‘]Q>g²‘m`boH$s ~m{Q>H$/O`nya JmD$Ýg{àVr Jm‘]Q>g² XO}Xma JmD$Ýg, {’$qS>J JmD$Ýg, ZmB©Q> S´o>g^maVr` ImXr g|Q>a b|Jo, Pã~o, eQ>©g², n§Mo, hmVê$‘mb, O°Ho$Q>g²pãbg Q>r eQ>©g² H°${bJ«m’$sMo Q>r eQ>©g² (H$m°badmbo)S>r.Q>r.{ZQ>doAa ~{Z`Ýg, Q´>°H$gyQ>, Q>r eQ>©g², gm°Šg B.{ZAmo Jm‘]Q>g² bhmZ-‘moR>çm§Mo Q>r eQ>©g², hmo{OAar Q´>°H$ gyQ>O`nya h±S>by‘ ~oS>erQ>, S´o>g ‘Q>o[aAb, aO`m B.A{hë`m ‘{hbm ‘§S>i CÎm‘ XOm©À`m ‘b‘bÀ`m JmoYS>çm{ed‘² ~«Xg© Á`yQ>, H°$ÝS>r qàQ>, Xm~y qàQ>, BŠH$V ~oS>{eQ>g²ñQ nZdo

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

17

ñQ>m°b d¡{eï>ço nZdob Zm{eH$ZmJnya ñnoeb ~oS>erQ>, MmXar BË`mXr

{ZÐm {H«$EeÝg ‘|T>rÀ`m bmoH$arnmgyZ ~Zdboë`m JmÚm

am{YH$m E§Q>aàm`Pog bhmZ ‘wbm§gmR>r d ‘moR>çm§gmR>r bmoH$arMo H$nSo>

‘ëhma {H«$EeZ bhmZ ‘wbm§Mo H$nSo>, ’«$m°Šg B.

{M{ÌH$m dwbÝg bhmZ ‘wbm§gmR>r d ‘moR>çm§gmR>r bmoH$arMo H$nSo>

{ed‘ ~°½O AmH$f©H$ a§Jg¨JVrÀ`m ng}g, So>{Z‘ ~°½O, g°H$ B.

nwAoåg² H°$ar A-do Á`yQ> Am{U {S>Pm`Za ~°½O/ng}g

Eg A±ÊS> Eg ~°½O² ’°$Ýgr ~°½O, ng}g Am{U ~o~r ~°½O

{dH$mg boXg© boXa ng}g, nmD$M, boXa O°Ho$Q>g² B.

So>H$mo pìhbo {d{dY àH$maMo nmD$M, dm°boQ>, ~°½O, g°H$ B.

CÚ{‘Vm ‘{hbm ~MV JQ>m§Zr ~Zdboë`m ng}g, ’$moëS>g©

Q´>°{S>eZb Am°Zm©‘oQ>g² B{‘Q>oeZ Ádobar, A{Q©>{’$eb Ádobar

AZÝ`m H$boŠeZ gr PoS> S>m`‘§S> Ádobar d BVa Ádobar

Zm{dÝ`m Ádobar gr PoS> S>m`‘§S> Ádobar d BVa Ádobar

A°S>‘m`a H$boŠeZ B{‘Q>oeZ Ádobar

’°$eZ Š`wam Ádobar Q>oamH$moQ>m Ádobar

a{gH$m Ab§H$ma ‘m`H«$mo JmoëS> ßboQ>oS> d BVa Ádobar

AmQ>© BZ g¨ñH¥$Vr go‘r ào{eAg ñQ>moZ, ½bmg ~rS²g Ádobar

{Xàm H$m°ñ‘oQ>rŠg² àm.{b. {d{dY àH$maMo e°åny, gm¢X`© àgmYZo

ñnm`H$m hmo‘ A°ÊS> hm`{OZ àm°S>ŠQ>g

KaJwVr gm’$g’$mB©Mr CËnmXZo

`wWmo{n`m (~adm) Jm`rÀ`m VwnmnmgyZÀ`m {bnñQ>rH$, ’$mD$§So>eZ H«$s‘

ãbm°g‘ A°ÊS> BgoÝg naâ`yåg

AI§S>Á`moV Q>mi, K§Q>r, Pm§O B.

aOV ñne©U‘² Mm§XrMm ‘wbm‘m {Xbobr XodnyOoMr CnH$aUo

A‘o` àm°S>ŠQ>g² nyOm gm{hË`, H$ma naâ`w‘, AÎmao B.

[anb H$boŠeZ amOñWmZr emo{^d§V dñVy, VmoaUo

ñdH$ën CÚmoJ emo{^d§V ’«o$‘, {Xdo, ’w$bo, VmoaUo, Pw§~a B.

gmd§VdmS>r IoiUr gmd§VdmS>r ñnoeb bmH$S>r IoiUr

{dZ` E§Q>aàm`Pog {H$MZ‘Yrb {d{dY AmH$f©H$ ñQ>°ÊS>g², hmoëS>a B.

d§e JmS©>Z BZmoìhoQ>rìhO² ’$mopëS>¨J MQ>`m, ’$mopëS>¨J doVmMo nS>Xo

‘hmbú‘r E§Q>aàm`Pog {H$MZ doAa

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

18

JmoaoJmd {d^mJmMr ‘m{gH$ g^m a{ddma 19 gßQ>|~a 2019 amoOr gpÝ‘Ì emim, JmoaoJmd (ny) `oWo KoÊ`mV Ambr. `m g^oV 45 gXñ` gh^mJr Pmbo hmoVo.

gd©àW‘ {d^mJmMo H$m`m©Ü`j e{eH$m§V gmidr `m§Zr g^oMo AÜ`jñWmZ ñdrH$mabo. M§ÐeoIa ^mogbo `m§Zm ‘mJrb ‘{hÝ`mMo B{Vd¥Îm dmMbo.

`m g^oV gpìh©g M°ZobMo ‘hÎd nwÝhm EH$Xm g‘OmdyZ gm§JÊ`mV Ambo. ‘bo{e`m/qgJmnya ghbr~ÔbMr ‘hÎdmMr d a§OH$ ‘m{hVr AÜ`jm§Zr g^oV {Xbr. AmnU ghbtMo Am`moOZ amñV ^mdmV Am{U gd© gh^mJr gXñ`m§Mo g‘mYmZ hmoB©b Aem nÕVrV H$ê$ eH$Vmo, ho `m nm`bQ> àmoOoŠQ>Mo ‘mob! `m g^oV E.Ama.Qy>g©Mo ‘mbH$ gmd§V nVr-nËZr `m§Mm gËH$ma H$aÊ`mV Ambm.

g^oÀ`m Xwgè`m gÌmV S>m°. àXrn VidiH$a (M.D. F.I.C. . F.I.C.P.) `m§Mr AmoiI gwf‘m ‘oór `m§Zr H$ê$Z {Xbr. S>m°. VidiH$a `m§Zr ‘Yw‘ohmMr

JmoaoJmd {d^mJmV ‘Yw‘oh VÁkm§Mo ^mfU

bjUo, ‘Yw‘ohnmgyZ ñdV…Mo g¨ajU H$go H$amdo, Ë`mMm gm‘Zm H$gm H$amdm Am{U Vmo H$gm naVdyZ bmdmdm, `mMr ‘m{hVr AZoH$ CXmhaUo XoD$Z d ñbmB©S> emo Ûmam XmI{dbr. VgoM {dMmaboë`m àým§Mr CÎmaohr {Xbr. Vo åhUmbo- ""OJ^amV 33 H$moQ>r bmoH$m§Zm ‘Yw‘oh Amho. Xa ghm ‘{hÝ`m§Zr aº$ d bKdr Vnmgmdr. amoO H$‘rV H$‘r 30 {‘{ZQ>o Mmbmdo, nmohmdo, gm`H$b Mmbdmdr. hm` àmo{Q>ZMr OrdZe¡br naXoemZo ZmH$mabr, AmnU ‘mÌ Vr ñdrH$mabr Amho. ~°[aE{Q>H$ gO©arZohr dOZ H$‘r H$ê$Z ‘Yw‘oh {Z`§ÌUmV R>odVm `oVmo. {Z`§ÌUmV Zgbobm ‘Yw‘oh hm J§^ra AmOma AgVmo. ImÚ Vob {XdgmV 4 M‘MoM ¿`m.'' {gßbm H§$nZrMr OoZ[aH$ Am¡fYo ¿`mdr Agohr Ë`m§Zr gwMdbo.

S>m°ŠQ>am§Mo ñdmJV AemoH$ gm‘§V `m§Zr Ho$bo. Am^ma àXe©Z S>m°. gw{Zb nd©VH$a `m§Zr Ho$bo.

- e{eH$m§V gmidr, H$m`m©Ü`j

ñQ>m°b d¡{eï>ço nZdob Zm{eH$Amo‘H$ma ‘mH}$Q>tJ hmS©> A°ZmoS>mBO²S> {H$MZdoAa{à`m E§Q>aàm`Pog J°g {JPg©, aoZm°ëS> ’y$S> àmogogalr{dZm`H$ E§Q>aàm`Pog KaJwVr g’$mB©Mo {d{dY ~«e d am§Jmoù`mhmo‘mH$mob KaJwVr gm’$g’$mB©Mr CËnmXZoEg.Ho$.E§Q>aàm`Pog ’$mopëS§>J Q>o~cAma h±S>r {H«$EeZ d¡{dÜ`nyU© AmH$f©H$ H«$moH$ar, Q>oamH$moQ>m ^m§S>rerbmVmB© ’y$S> àm°S>ŠQ>g bmoUMo, ga~V BË`mXr.ào{e`m dmibobm H$m§Xm, nw{XZm, Q>mo‘°Q>mo, eodJm nmdS>a B.doñQ>Z© KmQ {d{dY àH$maMo ‘YamOy ’w$Q>doAa nmXÌmUo (‘mWoamZ ñnoeb)

{d{dY S>rPmB©ÝgÀ`m Mnbm, g±S>ëg, eyO B.g§ñWoMr XmcZoOmJmo J«mhH$ OmJmo {ejU {d^mJmV’}$ J«mhH$ OmJ¥Vr A{^`mZ‘w§~B© J«mhH$ n§Mm`V {dVaU Am{U àH$meZo

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

19

Dr. Harsh Vardhan, Union Minister of Health and Family Welfare launched the 'Trans Fat- Free' logo of the Food Safety & Standards Authority of India (FSSAI), at the 8th International Chefs’ Conference (ICC VII) in New Delhi, on 4th October 2019. An important milestone in the movement against Trans-Fats, it also provided momentum to the ‘Eat Right India’ movement of FSSAI.

Food establishments, which use trans-fat-free oil and do not have industrial trans-fat more than 0.2g/100g of food, can display the 'Trans-fat-free' logo at their outlets, and on their food products. The use of the said logo is voluntary. Industrial trans-fats are made by adding hydrogen to liquid vegetable oils to make them more solid, and to increase the shelf life of foods. Trans-fats are largely present in partially hydrogenated vegetable fats/oils, vanaspati, margarine, and bakery shortenings, and can be found in baked and fried foods.

‘Trans-Fat Free’ logo1,000 chefs pledge to use trans-fat free oils/fats in their recipes

The Union Health Minister said, “Trans-fats are the worst type of fats with known health risks. FSSAI is committed to reducing the industrially-produced trans-fatty acids to less than 2% by 2022 in a phased manner”.

At the same event, Dr. Harsh Vardhan released a slogan ‘Chefs 4 Trans Fat Free’, under which more than 1,000 chefs from different parts of the country took a pledge to use trans-fat-free oils in their recipes. He also launched the Green Purple initiative logo. This initiative aims to qualify chefs on food safety legal requirements and sustainable cooking methods, for promoting

program that includes key areas of trans-fat-free cooking, using less sodium, and hygienic, seasonal, eco-friendly, less-energy consuming cooking methods. The chefs shall thereafter ensure global standards of food safety and sustainable environment practices.

Courtesy : Press Information Bureau

The Mobile App is an alternate way to register consumer-related grievances on the portal https://consumerhelpline.gov.in. The website was launched by the department of consumer affairs, government of India to create awareness, advise and redress consumer grievances and act as a central registry for lodging consumer grievances.

Though all efforts will be made to address grievances registered on the portal, if the grievance is not redressed to full satisfaction, a consumer has the choice to approach the appropriate consumer forum. As per the

Mobile App for Consumer ComplaintsConsumer Protection Act, consumers can approach consumer forums at the district, state and national level for dispute resolution.

An aggrieved consumer can register grievance by either calling the

toll-free number 1800-11-4000 or 14404 to talk to an agent to register it or register online on the portal or through the mobile app, in which case, the consumer gets an user ID and password to lodge a grievance.1

The app also has consumer awareness material, addresses of various consumer forums and other related useful sites.

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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New Consumer Protection Act, 2019- Adv. Shirish Deshpande

Part 3

UNFAIR CONTRACT TERMSOne of the new provisions added in the

CPA, 2019 is that of Unfair Contract (UC). This is different from Unfair Trade Practice (UTP)

"Unfair Contract" means a contract between a manufacturer or trader or service provider (like Builder/Developer, Finance Companies etc.) and Consumer, which contains certain terms which are unfair to

in rights of such consumer.

2) Imposing heavy penalty on the consumer for breach of contract wholly disproportionate to the loss suffered due to such breach. eg Builder imposing term of forfeiture of the entire amount paid by the homebuyer in the event of cancellation of booking by the

homebuyer.3) Refusing to accept early repayment of

debts4) Entitling a party to contract to terminate

the contract unilaterally without reasonable cause. Eg. Builder reserving right to terminate Agreement for Sale without notice in case of default in payments by consumer.

5) Permitting one party to assign contract to the other without consent of the consumer.

6) Imposing on consumer any unreasonable charge, obligation or condition which puts such consumer to disadvantage.Such Unfair Terms in contract can now

be challenged under CPA, 2019.However, the powers to strike down

such unfair contract terms are given only to State Commission and National Commission. District Commission is not given this power. Hence Complaints challenging Unfair

National Commission. This provision of striking down Unfair

consumers from lot of market transactions where consumers have to reluctantly agree to sign such unfair terms.

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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In a long-awaited judgement, MahaRERA Bench has declared that Property Web Portals which go beyond mere advertising and actually facilitate and negotiate sale/purchase of properties for Developers & Home-buyers must register themselves as Real Estate Agent with MahaRERA

this landmark judgement, the leading property web portals like Magicbricks, 99acres.com, Makaan.com, Housing.com etc will have to register their Portals with MahaRERA.

Mumbai Grahak Panchayat (MGP), had written a letter to MahaRERA Chairman pointing out that the activities of property web portals like Magicbricks, 99acres.com, Makaan.com, Housing.com etc come

Development) Act, 2016 and but they had not registered them with MahaRERA and

to that effect. Considering the gravity of this important issue, MahaRERA treated this letter as Suo Motu Complaint and issued Notices to all these 4 Property Web portals and also sought views from the Promoters’ bodies like NAREDCO, MCHI, CREDAI. All the Web portals claimed that they are not

they are not providing any service to either the promoters or to home-buyers, nor do they facilitate or negotiate the sale of properties and hence they are not required to register as Real Estate Agent with MahaRERA. They also vehemently contended that they are merely advertising the properties like any other print media does it.

Property Web Portals Must Register With Maharera

MahaRERA Bench comprising Vijay Satbir

represented by senior counsel Adv. Darius

and MGP Chairman Adv. Shirish Deshpande. In a detailed judgement

running into 279 pages, the MahaRERA Bench has negatived most of the objections of the Web Portal companies and upheld the MGP’s main contention that web portals like Magicbricks, 99acres.com, Housing.com and Makaan.com

are carrying on activities which clearly fall

The MahaRERA bench has also observed that there is a sharp difference between advertising and the activities of most of the property web portals which go beyond merely advertising the properties and in fact promote, facilitate and negotiate on behalf of the Developers or Home-buyers. The bench

merely advertising the properties (like print media) need not register as Real Estate Agent but those who go beyond mere advertising must register as Real Estate Agent with MahaRERA within two months.

Dealing with the issue of Property portals which operate in many states, the MahaRERA bench has observed that such Portals need to register with all such State RERA Authorities.

Sharmila Ranade, Varsha Raut & Dr Archana Sabnis ably assisted Adv Shirish Deshpande in this matter.

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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Aiming to improve the transparency, comprehensiveness and customer friendliness of health, life and travel insurance policies, the Insurance Regulatory and Development Authority of India (IRDAI), in September 2019, issued slew of circulars specifying new guidelines for insurance companies.Health Insurance

The IRDAI announced a set of guidelines demanding that insurers should

the persons to be insured who disclosed pre-

buying a health insurance policy, these guidelines now offer additional clarity to insurers in terms of which diseases can be

will never get covered by insurance.The insurance regulator has also

maintenance, internal congenital diseases, age-related macular degeneration, puberty and menopause-related disorders and mental illnesses will no longer be allowed to be

porting from one insurer to another and if out of the total waiting period of 48 months, if he has already completed 24 months, then the new insurer cannot impose a waiting period of more than 24 months for that disease.

These guidelines are applicable to

Insurance gets more inclusive, transparent and customer friendly

domestic health insurance policies only. Life Insurance

Insurance companies must now provide

of sale. The buyer and the sales intermediary will both have to sign the illustration, which has been approved by the CEO and the appointed actuary, and it will be part of the policy document.

The illustrations must specify clearly

and which are non-guaranteed. In the case

percent and 8 percent- have to be assumed. It must be clearly stated that these are not guaranteed, nor are they the upper and lower

IRDAI further mandated life insurers, agents and intermediaries to collect suitability information (age, income, family status, life

insurance portfolio) of every prospective policyholder and offer tailored product recommendations accordingly.Travel Insurance

IRDAI mandated that insurers must ensure that travel portals do not make travel insurance a pre-selected option. There must be a provision to allow the person buying a travel

conditions offered under the travel insurance cover on the screen itself. The person’s consent shall be obtained by getting them to select a radio button by the travel insurer to

in agreement with the purchase.Adapted from an article in Money life,

10 Oct 2019

J«mhH$ {VVwH$m ‘oidmdm Zmoìh|~a 2019

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• Postal registration No. MCN/158/2017-2019 • WPP licencse No. MR/TECH/WPP-137/North/2019 • Licencse to post without prepayment, on 5th & 6th • Vile Parle (W) P.O. Mumbai 400 056 RNI No. MAHBIL/2011/39044

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