{"id":12972,"date":"2024-10-30T11:13:08","date_gmt":"2024-10-30T11:13:08","guid":{"rendered":"https:\/\/www.nextias.com\/blog\/?p=12972"},"modified":"2025-09-01T10:31:39","modified_gmt":"2025-09-01T10:31:39","slug":"%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95","status":"publish","type":"post","link":"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/","title":{"rendered":"\u092c\u0948\u0921 \u092c\u0948\u0902\u0915: \u0905\u0930\u094d\u0925, \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0901 \u0914\u0930 \u0930\u0942\u092a\u0930\u0947\u0916\u093e \u0906\u0926\u093f"},"content":{"rendered":"\n<p><em><strong>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915<\/strong> \u092d\u093e\u0930\u0924 \u0915\u0940 \u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (\u090f\u0928\u092a\u0940\u090f) \u0915\u0940 \u0932\u0917\u093e\u0924\u093e\u0930 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u0947 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0909\u092d\u0930\u093e \u0939\u0948\u0964 \u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0914\u0930 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u092e\u0930\u094d\u092a\u093f\u0924 \u0907\u0915\u093e\u0908 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902, \u0907\u0938\u0928\u0947 \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0940 \u0926\u093f\u0936\u093e \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092a\u094d\u0930\u092f\u093e\u0938 \u0915\u093f\u090f \u0939\u0948\u0902\u0964 <strong>\u0907\u0938 \u0932\u0947\u0916 \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0905\u0935\u0927\u093e\u0930\u0923\u093e, \u0907\u0938\u0915\u0947 \u0905\u0930\u094d\u0925, \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902, \u0935\u093f\u0915\u093e\u0938, \u0930\u0942\u092a\u0930\u0947\u0916\u093e, \u0909\u092a\u0932\u092c\u094d\u0927\u093f\u092f\u094b\u0902, \u091a\u093f\u0902\u0924\u093e\u0913\u0902 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0905\u0935\u0927\u093e\u0930\u0923\u093e\u0913\u0902 \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u0905\u0927\u094d\u092f\u092f\u0928 \u0915\u0930\u0928\u093e \u0939\u0948\u0964<\/strong><\/em><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_56_1 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/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.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\" title=\"\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u094d\u092f\u093e \u0939\u0948?\">\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \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.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u093e \u0935\u093f\u0915\u093e\u0938\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u093e \u0935\u093f\u0915\u093e\u0938<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%80_%E0%A4%86%E0%A4%B5%E0%A4%B6%E0%A5%8D%E0%A4%AF%E0%A4%95%E0%A4%A4%E0%A4%BE\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A4%BE_%E0%A4%A2%E0%A4%BE%E0%A4%82%E0%A4%9A%E0%A4%BE\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u093e \u0922\u093e\u0902\u091a\u093e\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u093e \u0922\u093e\u0902\u091a\u093e<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%A8%E0%A5%87%E0%A4%B6%E0%A4%A8%E0%A4%B2_%E0%A4%8F%E0%A4%B8%E0%A5%87%E0%A4%9F_%E0%A4%B0%E0%A5%80%E0%A4%95%E0%A4%82%E0%A4%B8%E0%A5%8D%E0%A4%9F%E0%A5%8D%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%82%E0%A4%AA%E0%A4%A8%E0%A5%80_%E0%A4%B2%E0%A4%BF%E0%A4%AE%E0%A4%BF%E0%A4%9F%E0%A5%87%E0%A4%A1_NARCL\" title=\"\u0928\u0947\u0936\u0928\u0932 \u090f\u0938\u0947\u091f \u0930\u0940\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (NARCL)\">\u0928\u0947\u0936\u0928\u0932 \u090f\u0938\u0947\u091f \u0930\u0940\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (NARCL)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%87%E0%A4%82%E0%A4%A1%E0%A4%BF%E0%A4%AF%E0%A4%BE_%E0%A4%A1%E0%A5%87%E0%A4%AC%E0%A5%8D%E0%A4%9F_%E0%A4%B0%E0%A4%BF%E0%A4%9C%E0%A4%BC%E0%A5%89%E0%A4%B2%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%82%E0%A4%AA%E0%A4%A8%E0%A5%80_%E0%A4%B2%E0%A4%BF%E0%A4%AE%E0%A4%BF%E0%A4%9F%E0%A5%87%E0%A4%A1_IDRCL\" title=\"\u0907\u0902\u0921\u093f\u092f\u093e \u0921\u0947\u092c\u094d\u091f \u0930\u093f\u091c\u093c\u0949\u0932\u094d\u092f\u0942\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (IDRCL)\">\u0907\u0902\u0921\u093f\u092f\u093e \u0921\u0947\u092c\u094d\u091f \u0930\u093f\u091c\u093c\u0949\u0932\u094d\u092f\u0942\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (IDRCL)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%87_%E0%A4%AA%E0%A4%95%E0%A5%8D%E0%A4%B7_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%A4%E0%A4%B0%E0%A5%8D%E0%A4%95\" title=\"\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u0915\u094d\u0937 \u092e\u0947\u0902 \u0924\u0930\u094d\u0915\">\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u0915\u094d\u0937 \u092e\u0947\u0902 \u0924\u0930\u094d\u0915<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%87_%E0%A4%96%E0%A4%BF%E0%A4%B2%E0%A4%BE%E0%A4%AB_%E0%A4%A4%E0%A4%B0%E0%A5%8D%E0%A4%95\" title=\"\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0924\u0930\u094d\u0915\">\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0924\u0930\u094d\u0915<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%ac%e0%a5%88%e0%a4%a1-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%B7\" title=\"\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937\">\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-24eea28f28ee5dfdcb4d16773a1490a0\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915<\/strong> \u090f\u0915 \u0935\u093f\u0936\u0947\u0937 \u090f\u0938\u0947\u091f \u0930\u093f\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0939\u0948 \u091c\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u090f\u0928\u092a\u0940\u090f \u0916\u0930\u0940\u0926\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0909\u0928\u0915\u093e \u092a\u0941\u0928\u0930\u094d\u0917\u0920\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0939 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0914\u0930 \u091c\u092e\u093e \u0932\u0947\u0928\u0947 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 <a href=\"https:\/\/www.nextias.com\/blog\/\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915-\u092c\u0948\u0902\u0915\/\" data-type=\"link\" data-id=\"https:\/\/www.nextias.com\/blog\/\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915-\u092c\u0948\u0902\u0915\/\"><strong>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902<\/strong><\/a> \u0915\u094b \u0905\u092a\u0928\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0915\u094b \u0938\u093e\u092b \u0915\u0930\u0928\u0947 \u0914\u0930 \u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 \u0915\u094b \u0939\u0932 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 \u0915\u093e \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u0906\u092e \u0924\u094c\u0930 \u092a\u0930 \u090b\u0923 \u0915\u0947 \u092c\u0941\u0915 \u0935\u0948\u0932\u094d\u092f\u0942 \u0938\u0947 \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u092c\u0948\u0902\u0915 \u092c\u093e\u0926 \u092e\u0947\u0902 \u091c\u093f\u0924\u0928\u093e \u0938\u0902\u092d\u0935 \u0939\u094b \u0909\u0924\u0928\u093e \u0935\u0938\u0942\u0932\u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938\u0947 \u0905\u0915\u094d\u0938\u0930 \u090f\u0928\u092a\u0940\u090f \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947, \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0915\u0930\u0928\u0947, \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u092a\u0942\u0902\u091c\u0940 \u0915\u094b \u0905\u0928\u0932\u0949\u0915 \u0915\u0930\u0928\u0947, \u090b\u0923 \u0938\u0943\u091c\u0928 \u0915\u094b \u092c\u0922\u093c\u093e\u0928\u0947 \u0914\u0930 \u092a\u0930\u093f\u0923\u093e\u092e\u0938\u094d\u0935\u0930\u0942\u092a, \u091f\u094d\u0935\u093f\u0928 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f (\u091f\u0940\u092c\u0940\u090f\u0938) \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u0947 \u0915\u093e\u0930\u0923 \u092c\u0928\u0947 \u0926\u0941\u0937\u094d\u091a\u0915\u094d\u0930 \u0938\u0947 \u092c\u093e\u0939\u0930 \u0928\u093f\u0915\u0932\u0928\u0947 \u0915\u093e \u090f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0909\u092a\u093e\u092f \u092c\u0924\u093e\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-a9c3ca089cd41fb3bdbeec92f8a93e59\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u093e \u0935\u093f\u0915\u093e\u0938<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0930\u094d\u0935\u0947\u0915\u094d\u0937\u0923 2016-17 \u0928\u0947 \u090f\u0928\u092a\u0940\u090f \u0915\u0940 \u092c\u0922\u093c\u0924\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0938\u0947 \u0928\u093f\u092a\u091f\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u092a\u0941\u0928\u0930\u094d\u0935\u093e\u0938 \u090f\u091c\u0947\u0902\u0938\u0940 (PARA) \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0940 \u0938\u093f\u092b\u093e\u0930\u093f\u0936 \u0915\u0940 \u0925\u0940\u0964<\/li>\n\n\n\n<li>\u092c\u091c\u091f 2021 \u092e\u0947\u0902 \u090f\u0915 \u090f\u0938\u0947\u091f \u0930\u093f\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 (ARC)-\u090f\u0938\u0947\u091f \u092e\u0948\u0928\u0947\u091c\u092e\u0947\u0902\u091f \u0915\u0902\u092a\u0928\u0940 (AMC) \u0938\u0902\u0930\u091a\u0928\u093e \u0915\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935 \u0930\u0916\u093e \u0917\u092f\u093e, \u091c\u093f\u0938\u092e\u0947\u0902 ARC \u090b\u0923 \u0915\u094b \u090f\u0915\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0947\u0917\u0940 , \u091c\u092c\u0915\u093f AMC \u090f\u0915 \u0938\u092e\u093e\u0927\u093e\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0915 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0947\u0917\u0940\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-41b5847e28fd936e5ca97e1866bb1ad2\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%80_%E0%A4%86%E0%A4%B5%E0%A4%B6%E0%A5%8D%E0%A4%AF%E0%A4%95%E0%A4%A4%E0%A4%BE\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0906\u0930\u094d\u0925\u093f\u0915 \u092a\u0941\u0928\u0930\u094d\u092a\u094d\u0930\u093e\u092a\u094d\u0924\u093f:<\/strong> \u092e\u0939\u093e\u092e\u093e\u0930\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u0941\u0906 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u0930\u092c\u0940\u0906\u0908 \u0915\u094b \u0909\u092e\u094d\u092e\u0940\u0926 \u0939\u0948 \u0915\u093f \u0906\u0930\u094d\u0925\u093f\u0915 \u092e\u0902\u0926\u0940 \u0938\u0947 \u0928\u093f\u092a\u091f\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u091c\u094b \u091b\u0939 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e \u092e\u094b\u0930\u093e\u091f\u094b\u0930\u093f\u092f\u092e \u0918\u094b\u0937\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u0909\u0938\u0915\u0947 \u092c\u093e\u0926 \u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 (Bad Loans) \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u094b\u0928\u0947 \u0915\u0940 \u0906\u0936\u0902\u0915\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u092e\u0930\u094d\u0925\u0928:<\/strong> \u092a\u0947\u0936\u0947\u0935\u0930 \u0922\u0902\u0917 \u0938\u0947 \u0938\u0902\u091a\u093e\u0932\u093f\u0924, \u0928\u093f\u091c\u0940 \u090b\u0923\u0926\u093e\u0924\u093e\u0913\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u093f\u0924 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u092e\u0930\u094d\u0925\u093f\u0924 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915, <a href=\"https:\/\/www.nextias.com\/blog\/\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924-\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901\/\" data-type=\"link\" data-id=\"https:\/\/www.nextias.com\/blog\/\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924-\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901\/\"><strong>\u0928\u0949\u0928-\u092a\u0930\u092b\u0949\u0930\u094d\u092e\u093f\u0902\u0917 \u090f\u0938\u0947\u091f\u094d\u0938 (NPA)<\/strong><\/a> \u0938\u0947 \u0928\u093f\u092a\u091f\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0924\u0902\u0924\u094d\u0930 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u0909\u092a\u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u0938\u092b\u093e\u0908 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0924\u0947\u091c \u0915\u0930\u0928\u0947 \u0915\u0947 \u090f\u0915 \u0938\u093e\u0927\u0928 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0926\u0947\u0916\u093e \u091c\u093e \u0930\u0939\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u090f\u0928\u092a\u0940\u090f \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f:<\/strong> \u0915\u0947.\u0935\u0940. \u0915\u093e\u092e\u0925 \u0938\u092e\u093f\u0924\u093f \u0928\u0947 \u0909\u0932\u094d\u0932\u0947\u0916 \u0915\u093f\u092f\u093e \u0915\u093f \u0915\u094b\u0935\u093f\u0921-19 \u0915\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0906\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u20b915.52 \u0932\u093e\u0916 \u0915\u0930\u094b\u0921\u093c \u0915\u093e \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u093e \u090b\u0923 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u0941\u0906, \u091c\u092c\u0915\u093f \u092e\u0939\u093e\u092e\u093e\u0930\u0940 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0939\u0940 \u20b922.20 \u0932\u093e\u0916 \u0915\u0930\u094b\u0921\u093c \u0915\u093e \u0905\u0928\u094d\u092f \u090b\u0923 \u0924\u0928\u093e\u0935 \u092e\u0947\u0902 \u0925\u093e\u0964\n<ul class=\"wp-block-list\">\n<li>NPA \u0915\u0940 \u0907\u0938 \u091a\u094c\u0902\u0915\u093e \u0926\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0938\u0902\u0916\u094d\u092f\u093e \u0915\u0947 \u0915\u093e\u0930\u0923 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0926\u094b\u0939\u0930\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u0939\u094b \u0917\u0908 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0905\u0902\u0924\u0930\u094d\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0909\u0926\u093e\u0939\u0930\u0923:<\/strong> \u0915\u0908 \u0905\u0928\u094d\u092f \u0926\u0947\u0936\u094b\u0902 \u0928\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0924\u0928\u093e\u0935 \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0938\u0947 \u0928\u093f\u092a\u091f\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u0938\u094d\u0925\u093e\u0917\u0924 \u0924\u0902\u0924\u094d\u0930 \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u093f\u090f \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-965e0b1e9dafeec1a83808cde286909b\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A4%BE_%E0%A4%A2%E0%A4%BE%E0%A4%82%E0%A4%9A%E0%A4%BE\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u093e \u0922\u093e\u0902\u091a\u093e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u0935\u093f\u0936\u093e\u0932 \u090f\u0928\u092a\u0940\u090f (\u0928\u0949\u0928-\u092a\u0930\u092b\u0949\u0930\u094d\u092e\u093f\u0902\u0917 \u090f\u0938\u0947\u091f\u094d\u0938) \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u0947 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f, \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0928\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u093f\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u092b\u093f\u0930 \u0909\u0928\u094d\u0939\u0947\u0902 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u092c\u0947\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0926\u094b \u0928\u0908 \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0901 \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u0940 \u0939\u0948\u0902:<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-3502292f42930a84c91362ea76ea68af\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%A8%E0%A5%87%E0%A4%B6%E0%A4%A8%E0%A4%B2_%E0%A4%8F%E0%A4%B8%E0%A5%87%E0%A4%9F_%E0%A4%B0%E0%A5%80%E0%A4%95%E0%A4%82%E0%A4%B8%E0%A5%8D%E0%A4%9F%E0%A5%8D%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%82%E0%A4%AA%E0%A4%A8%E0%A5%80_%E0%A4%B2%E0%A4%BF%E0%A4%AE%E0%A4%BF%E0%A4%9F%E0%A5%87%E0%A4%A1_NARCL\"><\/span><strong>\u0928\u0947\u0936\u0928\u0932 \u090f\u0938\u0947\u091f \u0930\u0940\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (NARCL)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NARCL \u0915\u094b \u0915\u0902\u092a\u0928\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0947 \u0924\u0939\u0924 \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938\u0928\u0947 <strong>\u090f\u0938\u0947\u091f \u0930\u0940\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 (ARC)<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 <a href=\"https:\/\/www.nextias.com\/blog\/\u092d\u093e\u0930\u0924\u0940\u092f-\u0930\u093f\u091c\u093c\u0930\u094d\u0935-\u092c\u0948\u0902\u0915-rbi\/\" data-type=\"link\" data-id=\"https:\/\/www.nextias.com\/blog\/\u092d\u093e\u0930\u0924\u0940\u092f-\u0930\u093f\u091c\u093c\u0930\u094d\u0935-\u092c\u0948\u0902\u0915-rbi\/\"><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915<\/strong><\/a> \u0938\u0947 \u0932\u093e\u0907\u0938\u0947\u0902\u0938 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u093f\u092f\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>NARCL \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u0932\u0917\u092d\u0917 \u20b92 \u0932\u093e\u0916 \u0915\u0930\u094b\u0921\u093c \u0915\u0940 \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 \u0905\u0932\u0917-\u0905\u0932\u0917 \u091a\u0930\u0923\u094b\u0902 \u092e\u0947\u0902 \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u093f\u0924 \u0915\u0930\u0947\u0917\u093e\u0964<\/li>\n\n\n\n<li>\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 (PSBs) \u0915\u0947 \u092a\u093e\u0938 NARCL \u092e\u0947\u0902 51% \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0930\u0939\u0947\u0917\u093e\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-9e4f44583114a91d3db953aae40e0235\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%87%E0%A4%82%E0%A4%A1%E0%A4%BF%E0%A4%AF%E0%A4%BE_%E0%A4%A1%E0%A5%87%E0%A4%AC%E0%A5%8D%E0%A4%9F_%E0%A4%B0%E0%A4%BF%E0%A4%9C%E0%A4%BC%E0%A5%89%E0%A4%B2%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%82%E0%A4%AA%E0%A4%A8%E0%A5%80_%E0%A4%B2%E0%A4%BF%E0%A4%AE%E0%A4%BF%E0%A4%9F%E0%A5%87%E0%A4%A1_IDRCL\"><\/span><strong>\u0907\u0902\u0921\u093f\u092f\u093e \u0921\u0947\u092c\u094d\u091f \u0930\u093f\u091c\u093c\u0949\u0932\u094d\u092f\u0942\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (IDRCL)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u090f\u0915 \u0905\u0928\u094d\u092f \u0938\u0902\u0938\u094d\u0925\u093e, \u0907\u0902\u0921\u093f\u092f\u093e \u0921\u0947\u092c\u094d\u091f \u0930\u093f\u091c\u093c\u0949\u0932\u094d\u092f\u0942\u0936\u0928 \u0915\u0902\u092a\u0928\u0940 \u0932\u093f\u092e\u093f\u091f\u0947\u0921 (IDRCL), \u092b\u093f\u0930 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u0947\u091a\u0928\u0947 \u0915\u093e \u092a\u094d\u0930\u092f\u093e\u0938 \u0915\u0930\u0947\u0917\u0940\u0964<\/li>\n\n\n\n<li>PSBs \u0914\u0930 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 (FIs) \u0915\u0947 \u092a\u093e\u0938 IDRCL \u092e\u0947\u0902 \u0905\u0927\u093f\u0915\u0924\u092e 49% \u0939\u093f\u0938\u094d\u0938\u0947\u0926\u093e\u0930\u0940 \u0939\u094b\u0917\u0940\u0964 \u0936\u0947\u0937 51% \u0939\u093f\u0938\u094d\u0938\u0947\u0926\u093e\u0930\u0940 \u0928\u093f\u091c\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u090b\u0923\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0939\u094b\u0917\u0940\u0964<\/li>\n\n\n\n<li>NARCL-IDRCL \u0922\u093e\u0902\u091a\u093e \u0928\u090f \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0938\u0902\u0930\u091a\u0928\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0947\u0917\u093e\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-1b182defc0f87794c7cdf5a904e055c2\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%87_%E0%A4%AA%E0%A4%95%E0%A5%8D%E0%A4%B7_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%A4%E0%A4%B0%E0%A5%8D%E0%A4%95\"><\/span><strong>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u0915\u094d\u0937 \u092e\u0947\u0902 \u0924\u0930\u094d\u0915<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u090f\u0928\u092a\u0940\u090f \u092e\u0947\u0902 \u0915\u092e\u0940 \u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0939\u094b\u0917\u093e\u0964<\/li>\n\n\n\n<li>\u091c\u094b \u092a\u0942\u0902\u091c\u0940 \u092a\u0939\u0932\u0947 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0932\u0949\u0915 \u0925\u0940, \u0935\u0939 \u0905\u092c \u0905\u0928\u0932\u0949\u0915 \u0939\u094b \u091c\u093e\u090f\u0917\u0940, \u091c\u093f\u0938\u0938\u0947 \u090b\u0923 \u0938\u0943\u091c\u0928 \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u094b\u0917\u0940\u0964<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915 \u0915\u094b \u091c\u092e\u093e \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0928\u0947 \u0914\u0930 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0905\u092a\u0928\u0947 \u092e\u0941\u0916\u094d\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u090f\u0917\u093e\u0964 \u0915\u094d\u092f\u094b\u0915\u093f \u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 \u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u0915\u093e \u0915\u093e\u0930\u094d\u092f \u0907\u0938 \u0915\u093e\u0930\u094d\u092f \u092e\u0947\u0902 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e\u0924\u093e \u0935\u093e\u0932\u0947 \u092c\u0948\u0902\u0915 \u0915\u094b \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u093f\u0924 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u090f\u0915 \u0938\u093e\u0925 \u0915\u0908 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u090f\u0928\u092a\u0940\u090f \u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u092e\u0947\u0902 \u0938\u092e\u0928\u094d\u0935\u092f \u0914\u0930 \u0926\u0947\u0930\u0940 \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u093e \u0938\u092e\u093e\u0927\u093e\u0928 \u0939\u094b\u0917\u093e\u0964 \u0910\u0938\u0947 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0938\u0947 \u0915\u0908 \u092c\u0948\u0902\u0915 \u090f\u0915 \u0938\u093e\u0925 \u0905\u092a\u0928\u0947 \u090f\u0928\u092a\u0940\u090f \u0915\u094b \u0909\u0928\u0915\u0947 \u092a\u093e\u0938 \u0938\u094d\u0925\u093e\u0928\u093e\u0902\u0924\u0930\u093f\u0924 \u0915\u0930 \u0938\u0915\u0947\u0902\u0917\u0947 \u0914\u0930 \u0905\u092a\u0928\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0915\u0930 \u0938\u0915\u0947\u0902\u0917\u0947\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-6a84bd222996844c4e56eb737efed7e8\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%88%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%87_%E0%A4%96%E0%A4%BF%E0%A4%B2%E0%A4%BE%E0%A4%AB_%E0%A4%A4%E0%A4%B0%E0%A5%8D%E0%A4%95\"><\/span><strong>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0924\u0930\u094d\u0915<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0928\u0948\u0924\u093f\u0915 \u0938\u0902\u0915\u091f (\u092e\u094b\u0930\u0932 \u0939\u0948\u091c\u093c\u0930\u094d\u0921):<\/strong> \u0915\u0930\u0926\u093e\u0924\u093e\u0913\u0902 \u0915\u0947 \u092a\u0948\u0938\u0947 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0905\u0915\u094d\u0937\u092e \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092c\u091a\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0917\u093e\u0964 \u0910\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u090f\u0928\u092a\u0940\u090f \u0915\u093e \u0917\u093e\u0930\u0902\u091f\u0940\u0915\u0943\u0924 \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u090b\u0923 \u0926\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u093e\u0935\u0927\u093e\u0928\u0940 \u092c\u0930\u0924\u0928\u0947 \u0938\u0947 \u0930\u094b\u0915 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u090f\u0928\u092a\u0940\u090f \u0915\u093e \u092e\u0942\u0932\u094d\u092f \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u0923:<\/strong> \u092f\u0926\u093f \u090f\u0928\u092a\u0940\u090f \u0905\u0927\u093f\u0915 \u0915\u0940\u092e\u0924 \u092a\u0930 \u092c\u0947\u091a\u0947 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0938\u094d\u0935\u092f\u0902 \u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u0935\u093f\u092b\u0932 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092f\u0926\u093f \u090f\u0928\u092a\u0940\u090f \u0915\u092e \u0915\u0940\u092e\u0924 \u092a\u0930 \u092c\u0947\u091a\u0947 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u0927\u093f\u0915 \u0928\u0941\u0915\u0938\u093e\u0928 \u0909\u0920\u093e\u0928\u093e \u092a\u0921\u093c\u0947\u0917\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0915\u094b\u0908 \u0920\u094b\u0938 \u092a\u094d\u0930\u092d\u093e\u0935 \u0928\u0939\u0940\u0902:<\/strong> \u0907\u0938\u0938\u0947 \u0915\u0947\u0935\u0932 \u0916\u0930\u093e\u092c \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u090f\u0915 \u0907\u0915\u093e\u0908 \u0938\u0947 \u0926\u0942\u0938\u0930\u0940 \u0907\u0915\u093e\u0908 \u092e\u0947\u0902 \u0938\u094d\u0925\u093e\u0928\u093e\u0902\u0924\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u0915\u093e\u0930\u094d\u092f \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u0915\u0940 \u0915\u092e\u0940:<\/strong> \u0907\u0938\u0938\u0947 \u0909\u0928 \u092e\u0942\u0932 \u0905\u0902\u0924\u0930\u094d\u0928\u093f\u0939\u093f\u0924 \u0938\u092e\u0938\u094d\u092f\u093e\u0913\u0902 \u0915\u093e \u0938\u092e\u093e\u0927\u093e\u0928 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0928\u0915\u0947 \u0915\u093e\u0930\u0923 \u090f\u0928\u092a\u0940\u090f \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u0941\u0908 \u0939\u0948\u0964 \u0936\u093e\u0938\u0928 \u0938\u0941\u0927\u093e\u0930\u094b\u0902 \u0915\u0947 \u092c\u093f\u0928\u093e, \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915 (\u0915\u0941\u0932 \u090f\u0928\u092a\u0940\u090f \u0915\u093e 86% \u0939\u093f\u0938\u094d\u0938\u093e) \u0909\u0938\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0915\u093e\u0930\u094b\u092c\u093e\u0930 \u0915\u0930\u0924\u0947 \u0930\u0939\u0947\u0902\u0917\u0947, \u091c\u093f\u0938 \u0924\u0930\u0939 \u0938\u0947 \u0935\u0947 \u092a\u0939\u0932\u0947 \u0915\u0930\u0924\u0947 \u0930\u0939\u0947 \u0939\u0948\u0902 \u0914\u0930 \u092b\u093f\u0930 \u0938\u0947 \u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 \u0915\u093e \u0922\u0947\u0930 \u0932\u0917 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0905\u0902\u0924\u0930\u094d\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0905\u0928\u0941\u092d\u0935:<\/strong> \u091c\u0948\u0938\u0947 \u0915\u0940 \u0938\u094d\u0935\u0940\u0921\u0928 \u092e\u0947\u0902 \u0926\u0947\u0916\u093e \u0917\u092f\u093e, \u0910\u0938\u0947 \u092c\u0948\u0902\u0915 \u091b\u094b\u091f\u0947 \u092e\u0942\u0932\u094d\u092f \u0915\u0947 \u0906\u0935\u093e\u0938 \u090b\u0923 \u092e\u0947\u0902 \u090f\u0928\u092a\u0940\u090f \u0915\u0947 \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902 \u092c\u0947\u0939\u0924\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u092d\u093e\u0930\u0924 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902, \u090f\u0928\u092a\u0940\u090f \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u092b\u0948\u0932\u0947 \u0939\u0941\u090f \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923:<\/strong> \u0910\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0924\u094d\u0924 \u091c\u0941\u091f\u093e\u0928\u093e \u0915\u0920\u093f\u0928 \u0939\u0948\u0964 \u092e\u0939\u093e\u092e\u093e\u0930\u0940 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u092c\u0941\u0930\u0940 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0916\u0930\u0940\u0926\u093e\u0930 \u0922\u0942\u0902\u0922\u0928\u093e \u090f\u0915 \u091a\u0941\u0928\u094c\u0924\u0940 \u0939\u0948, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0924\u092c \u091c\u092c \u0938\u0930\u0915\u093e\u0930\u0947\u0902 \u0930\u093e\u091c\u0915\u094b\u0937\u0940\u092f \u0918\u093e\u091f\u0947 \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930 \u0930\u0939\u0940 \u0939\u0948\u0902\u0964 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930, \u0910\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0938\u092e\u0938\u094d\u092f\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u0947\u0935\u0932 \u090f\u0915 \u0938\u0924\u0939\u0940 \u0914\u0930 \u0905\u0938\u094d\u0925\u093e\u092f\u0940 \u0938\u092e\u093e\u0927\u093e\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-d559de54b11383b1118ac748f14fb3da\" style=\"color:#015aa7\"><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><strong>\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \u090f\u0928\u092a\u0940\u090f \u0915\u0940 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u094b \u0938\u0902\u092c\u094b\u0927\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0926\u093f\u0936\u093e \u092e\u0947\u0902 \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0915\u0926\u092e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u092d\u0940 \u092c\u0928\u0940 \u0939\u0941\u0908 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u0947 \u0938\u092b\u0932 \u0915\u093e\u0930\u094d\u092f\u093e\u0928\u094d\u0935\u092f\u0928 \u0938\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0914\u0930 \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0938\u092e\u0917\u094d\u0930 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u092a\u0930 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\u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0909\u092d\u0930\u093e \u0939\u0948\u0964 \u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0914\u0930 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u092e\u0930\u094d\u092a\u093f\u0924 \u0907\u0915\u093e\u0908 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902, \u0907\u0938\u0928\u0947 \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0938\u092e\u093e\u0927\u093e\u0928 \u0915\u0940 \u0926\u093f\u0936\u093e \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092a\u094d\u0930\u092f\u093e\u0938 \u0915\u093f\u090f \u0939\u0948\u0902\u0964 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