{"id":21125,"date":"2025-09-01T09:35:56","date_gmt":"2025-09-01T09:35:56","guid":{"rendered":"https:\/\/www.nextias.com\/blog\/?p=21125"},"modified":"2025-12-26T11:38:56","modified_gmt":"2025-12-26T11:38:56","slug":"%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8","status":"publish","type":"post","link":"https:\/\/www.nextias.com\/blog\/%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/","title":{"rendered":"\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 (\u090f\u0928\u092a\u0940\u090f): \u0915\u093e\u0930\u0923, \u092a\u094d\u0930\u092d\u093e\u0935 \u0914\u0930 \u0938\u092e\u093e\u0927\u093e\u0928"},"content":{"rendered":"\n<p>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0932\u093f\u090f <strong>\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>NPA<\/strong>) <\/strong>\u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091a\u093f\u0902\u0924\u093e \u0915\u093e \u0935\u093f\u0937\u092f \u092c\u0928 \u0917\u0908 \u0939\u0948\u0902, \u091c\u094b \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0914\u0930 \u0935\u093f\u0915\u093e\u0938 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0930\u0939\u0940 \u0939\u0948\u0902\u0964 \u092d\u093e\u0930\u0924 \u091c\u0948\u0938\u0940 \u092c\u0922\u093c\u0924\u0940 \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u091a\u093f\u0902\u0924\u093e \u0915\u093e \u0935\u093f\u0937\u092f \u0939\u0948\u0964 \u0907\u0938 \u0932\u0947\u0916 \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \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 \u0905\u0935\u0927\u093e\u0930\u0923\u093e, \u0907\u0938\u0915\u0947 \u0905\u0930\u094d\u0925, \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923, \u092c\u0922\u093c\u0924\u0947 \u090f\u0928\u092a\u0940\u090f \u0915\u0947 \u0915\u093e\u0930\u0923, \u0907\u0938\u0915\u0947 \u092c\u0922\u093c\u0928\u0947 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u0920\u093e\u090f \u0917\u090f \u0915\u0926\u092e \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<\/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%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%97%E0%A5%88%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A4%BE%E0%A4%81_NPA_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88%E0%A4%82\" title=\"\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 (NPA) \u0915\u094d\u092f\u093e \u0939\u0948\u0902?\">\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 (NPA) \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%97%E0%A5%88%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_NPA_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%B0%E0%A5%8D%E0%A4%97%E0%A5%80%E0%A4%95%E0%A4%B0%E0%A4%A3\" title=\"\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 (NPA) \u0915\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923\">\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 (NPA) \u0915\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923<\/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%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%B5%E0%A5%83%E0%A4%A6%E0%A5%8D%E0%A4%A7%E0%A4%BF_%E0%A4%95%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A4%A3\" title=\"\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 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href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%AC%E0%A4%A2%E0%A4%BC%E0%A4%A4%E0%A5%80_%E0%A4%97%E0%A5%88%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%86%E0%A4%B8%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AD%E0%A4%BE%E0%A4%B5\" title=\"\u092c\u0922\u093c\u0924\u0940 \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0906\u0938\u094d\u0924\u093f\u092f\u094b\u0902 (\u090f\u0928\u092a\u0940\u090f) \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935\">\u092c\u0922\u093c\u0924\u0940 \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0906\u0938\u094d\u0924\u093f\u092f\u094b\u0902 (\u090f\u0928\u092a\u0940\u090f) \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%95%E0%A5%8B_%E0%A4%B0%E0%A5%8B%E0%A4%95%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%89%E0%A4%A0%E0%A4%BE%E0%A4%8F_%E0%A4%97%E0%A4%8F_%E0%A4%95%E0%A4%A6%E0%A4%AE\" title=\"\u090f\u0928\u092a\u0940\u090f \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u0920\u093e\u090f \u0917\u090f \u0915\u0926\u092e\">\u090f\u0928\u092a\u0940\u090f \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u0920\u093e\u090f \u0917\u090f \u0915\u0926\u092e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%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><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%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7_%E0%A4%89%E0%A4%B2%E0%A5%8D%E0%A4%B2%E0%A5%87%E0%A4%96_%E0%A4%96%E0%A4%BE%E0%A4%A4%E0%A4%BE_%E0%A4%8F%E0%A4%B8%E0%A4%8F%E0%A4%AE%E0%A4%8F\" title=\"\u0935\u093f\u0936\u0947\u0937 \u0909\u0932\u094d\u0932\u0947\u0916 \u0916\u093e\u0924\u093e (\u090f\u0938\u090f\u092e\u090f)\">\u0935\u093f\u0936\u0947\u0937 \u0909\u0932\u094d\u0932\u0947\u0916 \u0916\u093e\u0924\u093e (\u090f\u0938\u090f\u092e\u090f)<\/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%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%9F%E0%A5%8D%E0%A4%B5%E0%A4%BF%E0%A4%A8_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%B6%E0%A5%80%E0%A4%9F_%E0%A4%B8%E0%A4%AE%E0%A4%B8%E0%A5%8D%E0%A4%AF%E0%A4%BE_TBS\" title=\"\u091f\u094d\u0935\u093f\u0928 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0938\u092e\u0938\u094d\u092f\u093e (TBS)\">\u091f\u094d\u0935\u093f\u0928 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0938\u092e\u0938\u094d\u092f\u093e (TBS)<\/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%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%AB%E0%A5%8B%E0%A4%B0_%E0%A4%86%E0%A4%B0_4R_%E0%A4%B8%E0%A4%AE%E0%A4%BE%E0%A4%A7%E0%A4%BE%E0%A4%A8_%E0%A4%A6%E0%A5%83%E0%A4%B7%E0%A5%8D%E0%A4%9F%E0%A4%BF%E0%A4%95%E0%A5%8B%E0%A4%A3\" title=\"\u092b\u094b\u0930 \u0906\u0930 (4R) \u0938\u092e\u093e\u0927\u093e\u0928 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923\">\u092b\u094b\u0930 \u0906\u0930 (4R) \u0938\u092e\u093e\u0927\u093e\u0928 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AF%E0%A4%83_%E0%A4%AA%E0%A5%82%E0%A4%9B%E0%A5%87_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A5%87_%E0%A4%B5%E0%A4%BE%E0%A4%B2%E0%A5%87_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%B6%E0%A5%8D%E0%A4%A8\" title=\"\u092a\u094d\u0930\u093e\u092f\u0903 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928\">\u092a\u094d\u0930\u093e\u092f\u0903 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%97%e0%a5%88%e0%a4%b0-%e0%a4%a8%e0%a4%bf%e0%a4%b7%e0%a5%8d%e0%a4%aa%e0%a4%be%e0%a4%a6%e0%a4%bf%e0%a4%a4-%e0%a4%aa%e0%a4%b0%e0%a4%bf%e0%a4%b8%e0%a4%82%e0%a4%aa%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a4%bf%e0%a4%af%e0%a4%be%e0%a4%81-%e0%a4%8f%e0%a4%a8%e0%a4%aa%e0%a5%80%e0%a4%8f-%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a4%a3-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%ad%e0%a4%be%e0%a4%b5-%e0%a4%94%e0%a4%b0-%e0%a4%b8%e0%a4%ae%e0%a4%be%e0%a4%a7%e0%a4%be%e0%a4%a8\/#%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A4%BE_%E0%A4%A8%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\" title=\"\u090f\u0928\u092a\u0940\u090f \u0915\u093e \u092a\u0942\u0930\u093e \u0928\u093e\u092e \u0915\u094d\u092f\u093e \u0939\u0948?\">\u090f\u0928\u092a\u0940\u090f \u0915\u093e \u092a\u0942\u0930\u093e \u0928\u093e\u092e \u0915\u094d\u092f\u093e \u0939\u0948?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-cf076941aa12716a73412cec7418c472\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%97%E0%A5%88%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A4%BE%E0%A4%81_NPA_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88%E0%A4%82\"><\/span><strong>\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 (NPA) \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\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 (\u090f\u0928\u092a\u0940\u090f) \u0909\u0928 \u090b\u0923 \u092f\u093e \u0905\u0917\u094d\u0930\u093f\u092e \u0930\u093e\u0936\u093f\u092f\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0928\u0915\u093e \u092e\u0942\u0932\u0927\u0928 \u092f\u093e \u092c\u094d\u092f\u093e\u091c \u092d\u0941\u0917\u0924\u093e\u0928 90 \u0926\u093f\u0928\u094b\u0902 \u0915\u0940 \u0905\u0935\u0927\u093f \u0938\u0947 \u092c\u0915\u093e\u092f\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-28e164bef44c4cea67ca2676a413c40d\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%97%E0%A5%88%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_NPA_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%B0%E0%A5%8D%E0%A4%97%E0%A5%80%E0%A4%95%E0%A4%B0%E0%A4%A3\"><\/span><strong>\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 (NPA) \u0915\u093e \u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092c\u094d\u092f\u093e\u091c \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930, \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 \u0915\u094b \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0924\u0940\u0928 \u0936\u094d\u0930\u0947\u0923\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0918\u091f\u093f\u092f\u093e \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0910\u0938\u0940 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 12 \u092e\u0939\u0940\u0928\u0947 \u092f\u093e \u0909\u0938\u0938\u0947 \u0915\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u0932\u093f\u090f \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 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u0909\u0928\u094d\u0939\u0947\u0902 \u0918\u091f\u093f\u092f\u093e \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u092f\u0926\u093f \u0915\u094b\u0908 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f 12 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u0932\u093f\u090f \u0918\u091f\u093f\u092f\u093e \u0936\u094d\u0930\u0947\u0923\u0940 \u092e\u0947\u0902 \u0930\u0939\u0924\u0940 \u0939\u0948, \u0924\u094b \u0907\u0938\u0947 \u0938\u0902\u0926\u093f\u0917\u094d\u0927 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0918\u093e\u091f\u0947 \u0935\u093e\u0932\u0940\/\u0939\u093e\u0928\u093f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0935\u0947 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 \u091c\u093f\u0928\u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u0915\u0940 \u092c\u0939\u0941\u0924 \u0915\u092e \u092f\u093e \u0915\u094b\u0908 \u0938\u092e\u094d\u092d\u093e\u0935\u0928\u093e \u0928\u0939\u0940\u0902 \u0924\u0925\u093e \u0905\u092c \u092c\u0948\u0902\u0915 \u092f\u094b\u0917\u094d\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u0930\u0939 \u0917\u092f\u0940 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-98d57fa32215d06fd16de3369c5ba9d5\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%97%E0%A5%88%E0%A4%B0-%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%B8%E0%A4%82%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%B5%E0%A5%83%E0%A4%A6%E0%A5%8D%E0%A4%A7%E0%A4%BF_%E0%A4%95%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A4%A3\"><\/span><strong>\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (\u090f\u0928\u092a\u0940\u090f) \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0915\u0947 \u0915\u093e\u0930\u0923<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0940 \u0905\u0924\u093f-\u0906\u0936\u093e\u0935\u093e\u0926\u093f\u0924\u093e<\/strong> : 2006-08 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u091c\u092c \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0914\u0930 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u0922\u093e\u0902\u091a\u093e \u0935\u093f\u0915\u093e\u0938 \u0915\u0940 \u0913\u0930 \u092c\u0922\u093c \u0930\u0939\u0947 \u0925\u0947, \u0924\u092c \u092c\u0948\u0902\u0915\u094b\u0902 \u0928\u0947 \u0905\u0927\u093f\u0915 \u091c\u0935\u093e\u092c\u0926\u0947\u0939\u093f\u0924\u093e \u0914\u0930 \u0924\u0924\u094d\u092a\u0930\u0924\u093e \u0928\u0939\u0940\u0902 \u0926\u093f\u0916\u093e\u0908\u0964<\/li>\n\n\n\n<li><strong>\u0927\u0940\u092e\u0940 \u0935\u0943\u0926\u094d\u0927\u093f <\/strong>: 2008 \u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0915\u091f \u0928\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u0926\u0930 \u0915\u094b \u0927\u0940\u092e\u093e \u0915\u0930 \u0926\u093f\u092f\u093e, \u091c\u093f\u0938\u0938\u0947 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093e\u092d \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u0941\u090f \u0914\u0930 \u0909\u0928\u0915\u0940 \u0938\u092e\u092f \u092a\u0930 \u090b\u0923 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u092d\u0940 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b \u0917\u0908\u0964<\/li>\n\n\n\n<li><strong>\u092c\u093e\u0939\u094d\u092f \u0915\u093e\u0930\u0915<\/strong> : \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0915\u091f \u0915\u0947 \u092c\u093e\u0926 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u0947 \u0914\u0930 \u0935\u093f\u0915\u093e\u0938 \u0926\u0930 \u092e\u0947\u0902 \u0917\u093f\u0930\u093e\u0935\u091f \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0928\u0947 \u0906\u0938\u093e\u0928 \u092e\u0941\u0926\u094d\u0930\u093e \u0928\u0940\u0924\u093f \u0915\u094b \u0905\u092a\u0928\u093e\u092f\u093e, \u091c\u093f\u0938\u0938\u0947 \u092d\u093e\u0930\u0924 \u091c\u0948\u0938\u0947 \u0909\u092d\u0930\u0924\u0947 \u092c\u093e\u091c\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0924\u0930\u0932\u0924\u093e \u092c\u0922\u093c\u0940\u0964\n<ul class=\"wp-block-list\">\n<li>\u0907\u0938 \u0918\u091f\u0928\u093e \u0928\u0947 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u0915\u0940\u092e\u0924\u094b\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u092f\u093e \u0914\u0930 \u092e\u0941\u0926\u094d\u0930\u093e\u0938\u094d\u092b\u0940\u0924\u093f \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u093f\u092f\u093e \u0938\u093e\u0925 \u0939\u0940 \u0938\u093e\u0925 \u092e\u0941\u0926\u094d\u0930\u093e\u0938\u094d\u092b\u0940\u0924\u093f\u091c\u0928\u093f\u0924 \u092e\u0902\u0926\u0940 \u0915\u0947 \u0916\u0924\u0930\u0947 \u0915\u094b \u092d\u0940 \u091c\u0928\u094d\u092e \u0926\u093f\u092f\u093e\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0914\u0930 \u0928\u0940\u0924\u093f\u0917\u0924 \u091c\u094b\u0916\u093f\u092e<\/strong> : \u0939\u093e\u0932 \u0915\u0947 \u0935\u0930\u094d\u0937\u094b\u0902 \u092e\u0947\u0902 \u0905\u0938\u094d\u0925\u093f\u0930 \u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915 \u0922\u093e\u0902\u091a\u0947 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0915\u0941\u091b \u0909\u0926\u094d\u092f\u094b\u0917\u094b\u0902 \u092e\u0947\u0902 \u0926\u092c\u093e\u0935 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u095c\u093e \u0964\n<ul class=\"wp-block-list\">\n<li>\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0926\u0915\u094d\u0937\u093f\u0923 \u092d\u093e\u0930\u0924 \u0915\u0947 \u0915\u0941\u091b \u0930\u093e\u091c\u094d\u092f\u094b\u0902 \u092e\u0947\u0902 \u0916\u0928\u0928 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0928\u0947 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u092a\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0914\u0930 \u0938\u0902\u091a\u093e\u0932\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u0926\u092c\u093e\u0935 \u0921\u093e\u0932\u093e, \u091c\u093f\u0938\u0915\u093e \u092d\u093e\u0930\u0924\u0940\u092f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0938\u092e\u0917\u094d\u0930 \u0928\u093f\u0935\u0947\u0936 \u092a\u0930 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0921\u093c\u093e\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0909\u0926\u094d\u092f\u094b\u0917-\u0935\u093f\u0936\u093f\u0937\u094d\u091f \u091c\u094b\u0916\u093f\u092e<\/strong> : \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \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 \u0915\u0947 \u0938\u094d\u0924\u0930 \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0915\u0947 \u0932\u093f\u090f \u0909\u0926\u094d\u092f\u094b\u0917-\u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0915\u093e\u0930\u0923 \u092d\u0940 \u092e\u094c\u091c\u0942\u0926 \u0939\u0948\u0902\u0964\n<ul class=\"wp-block-list\">\n<li>\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0935\u093f\u092e\u093e\u0928\u0928 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u090f\u0928\u092a\u0940\u090f \u0915\u093e \u0909\u091a\u094d\u091a \u0938\u094d\u0924\u0930 \u0935\u093f\u092e\u093e\u0928\u0928 \u091f\u0930\u092c\u093e\u0907\u0928 \u0908\u0902\u0927\u0928 \u0915\u0940 \u0909\u091a\u094d\u091a \u0932\u093e\u0917\u0924 \u0915\u0947 \u0932\u093f\u090f \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930 \u0920\u0939\u0930\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u090f\u092f\u0930\u0932\u093e\u0907\u0902\u0938 \u0915\u0947 \u0915\u0941\u0932 \u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u0932\u093e\u0917\u0924 \u0915\u093e 45% \u0939\u0948, \u091c\u092c\u0915\u093f \u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0914\u0938\u0924 30% \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u092e\u091c\u094b\u0930 \u090b\u0923 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940<\/strong> : \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u090b\u0923 \u0926\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u090b\u0923 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0917\u0941\u0923\u0935\u0924\u094d\u0924\u093e \u0915\u093e \u0928\u093f\u092e\u094d\u0928 \u0938\u094d\u0924\u0930 \u0915\u093e \u0939\u094b\u0928\u093e\u0964<\/li>\n\n\n\n<li><strong>\u090b\u0923 \u0915\u093e \u0935\u093f\u091a\u0932\u0928<\/strong> : \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0915\u092e\u091c\u094b\u0930 \u0905\u0902\u0924\u093f\u092e -\u0909\u092a\u092f\u094b\u0917 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u092b\u0902\u0921 \u0915\u093e \u0905\u0928\u094d\u092f \u0917\u0948\u0930-\u091c\u0930\u0942\u0930\u0940 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u093f\u092f\u093e \u091c\u093e\u0928\u093e\u0964<\/li>\n\n\n\n<li><strong>\u091c\u093e\u0928\u092c\u0942\u091d\u0915\u0930 \u090b\u0923 \u0928\u0939\u0940\u0902 \u091a\u0941\u0915\u093e\u0928\u0947 \u0935\u093e\u0932\u0947<\/strong> : \u0907\u0928\u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0909\u091a\u093f\u0924 \u0924\u0902\u0924\u094d\u0930 \u0915\u0940 \u0915\u092e\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u091c\u093e\u0928\u092c\u0942\u091d\u0915\u0930 \u090b\u0923 \u0928\u0939\u0940\u0902 \u091a\u0941\u0915\u093e\u0928\u0947 \u0935\u093e\u0932\u094b\u0902 \u0915\u0940 \u0938\u0902\u0916\u094d\u092f\u093e \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u0941\u0908 \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u091c\u093e\u0928\u092c\u0942\u091d\u0915\u0930 \u090b\u0923 \u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0935\u0947 \u0932\u094b\u0917 \u0939\u0948\u0902 \u091c\u094b \u0938\u0915\u094d\u0937\u092e \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926 \u090b\u0923 \u0928\u0939\u0940\u0902 \u091a\u0941\u0915\u093e\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902 \u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0932\u093e\u0932\u092b\u0940\u0924\u093e\u0936\u093e\u0939\u0940 <\/strong>: \u0938\u0930\u0915\u093e\u0930\u0940 \u092e\u0902\u091c\u0942\u0930\u0940 \u092e\u0947\u0902 \u0926\u0947\u0930\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0930\u0941\u0915\u0940 \u0939\u0941\u0908 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0940 \u0938\u0902\u0916\u094d\u092f\u093e \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u0941\u0908 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0928\u0940\u0924\u093f\u0917\u0924 \u0926\u0942\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0915\u093e \u0905\u092d\u093e\u0935<\/strong> : \u0926\u093f\u0935\u093e\u0932\u093f\u092f\u093e\u092a\u0928 \u0914\u0930 \u0926\u093f\u0935\u093e\u0932\u093f\u092f\u093e\u092a\u0928 \u0938\u0902\u0939\u093f\u0924\u093e (IBC) \u0924\u0925\u093e SARFAESI \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u091c\u0948\u0938\u0947 \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 \u0938\u0947 \u0928\u093f\u092a\u091f\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093e\u0928\u0942\u0928\u0940 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902 \u0924\u0948\u092f\u093e\u0930 \u0915\u093f\u090f \u0917\u090f \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 <\/strong>: \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0939\u093e\u0908-\u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0927\u094b\u0916\u0947\u092c\u093e\u091c \u0915\u094b \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u0915\u091f\u0918\u0930\u0947 \u092e\u0947\u0902 \u0932\u093e\u0928\u0947 \u092e\u0947\u0902 \u0935\u093f\u092b\u0932 \u0930\u0939\u0940 \u0939\u0948\u0964 \u090f\u0928\u092a\u0940\u090f \u0938\u0902\u0915\u091f \u0915\u0947 \u092c\u093e\u0926 \u0939\u0940 \u0906\u0930\u092c\u0940\u0906\u0908 \u0928\u0947 \u091c\u093e\u0902\u091a \u090f\u091c\u0947\u0902\u0938\u093f\u092f\u094b\u0902 \u0915\u094b \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0947 \u092e\u093e\u092e\u0932\u094b\u0902 \u0915\u0940 \u091c\u0932\u094d\u0926 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u0947 \u0932\u093f\u090f \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0938\u0947\u0932 \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0940\u0964<\/li>\n\n\n\n<li><strong>\u0905\u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u090b\u0923 \u0935\u0938\u0942\u0932\u0940 \u0928\u094d\u092f\u093e\u092f\u093e\u0927\u093f\u0915\u0930\u0923<\/strong> : \u090b\u0923 \u0935\u0938\u0942\u0932\u0940 \u0928\u094d\u092f\u093e\u092f\u093e\u0927\u093f\u0915\u0930\u0923\u094b\u0902 \u0915\u0947 \u0938\u092e\u0915\u094d\u0937 \u092e\u093e\u092e\u0932\u094b\u0902 \u0915\u0947 \u0938\u092e\u093e\u0927\u093e\u0928 \u092e\u0947\u0902 \u0905\u0928\u093e\u0935\u0936\u094d\u092f\u0915 \u0926\u0947\u0930\u0940 \u0939\u0941\u0908 \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u0915\u093e\u0930\u0923 \u090f\u0928\u092a\u0940\u090f \u092e\u0947\u0902 \u0935\u0943\u0927\u093f \u0939\u0941\u0908\u0964<\/li>\n\n\n\n<li><strong>\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0930\u093e\u091c\u0928\u0940\u0924\u093f\u0915 \u0939\u0938\u094d\u0924\u0915\u094d\u0937\u0947\u092a<\/strong> : \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0906\u0938\u094d\u0924\u093f\u092f\u093e\u0901 \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0939\u0948\u0902, \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0909\u0928\u0915\u0947 \u0916\u0930\u093e\u092c \u092a\u094d\u0930\u0936\u093e\u0938\u0928, \u0930\u093e\u091c\u0928\u0940\u0924\u093f\u0915 \u0939\u0938\u094d\u0924\u0915\u094d\u0937\u0947\u092a \u0914\u0930 \u0938\u094d\u0935\u0924\u0902\u0924\u094d\u0930 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0928\u0947 \u0935\u093e\u0932\u0940 \u0938\u0902\u0938\u094d\u0925\u093e \u0915\u0940 \u0915\u092e\u0940 \u0938\u0947 \u091c\u094b\u0921\u093c\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u090b\u0923 : <\/strong>\u0915\u0943\u0937\u093f \u0914\u0930 \u0938\u0942\u0915\u094d\u0937\u094d\u092e, \u0932\u0918\u0941 \u090f\u0935\u0902 \u092e\u0927\u094d\u092f\u092e \u0909\u0926\u094d\u092f\u094b\u0917 (MSME) \u091c\u0948\u0938\u0947 \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0935\u093e\u0932\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u090b\u0923 \u0926\u0947\u0928\u0947 \u0938\u0947 \u092d\u0940 \u090f\u0928\u092a\u0940\u090f \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u0941\u0908 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u090b\u0923 \u0938\u0902\u0938\u094d\u0915\u0943\u0924\u093f<\/strong> : \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u093e\u0930-\u092c\u093e\u0930 \u0915\u0943\u0937\u093f \u090b\u0923 \u092e\u093e\u092b\u0940 \u0915\u0940 \u0918\u094b\u0937\u0923\u093e \u0928\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u090b\u0923 \u0938\u0902\u0938\u094d\u0915\u0943\u0924\u093f \u092a\u0930 \u092a\u094d\u0930\u0924\u093f\u0915\u0942\u0932 \u092a\u094d\u0930\u092d\u093e\u0935 \u0921\u093e\u0932\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u090b\u0923 \u0938\u0942\u091a\u0928\u093e \u092a\u0930 \u090f\u0915\u0940\u0915\u0943\u0924 \u0921\u0947\u091f\u093e\u092c\u0947\u0938 \u0915\u093e \u0905\u092d\u093e\u0935: <\/strong>\u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902, \u090b\u0923 \u0938\u0902\u092c\u0902\u0927\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0938\u092e\u0941\u091a\u093f\u0924 \u0938\u092e\u0928\u094d\u0935\u092f \u0915\u0947 \u092c\u093f\u0928\u093e \u0915\u0908 \u090f\u091c\u0947\u0902\u0938\u093f\u092f\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u090f\u0915\u0924\u094d\u0930 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u0906\u0930\u092c\u0940\u0906\u0908 \u0915\u0947 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u0940 \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935 \u0915\u094b \u0915\u093e\u0928\u0942\u0928\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c \u0930\u0939\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-e8ae64852986ae14caae775783818d0b\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A4%A2%E0%A4%BC%E0%A4%A4%E0%A5%80_%E0%A4%97%E0%A5%88%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AA%E0%A4%BE%E0%A4%A6%E0%A4%BF%E0%A4%A4_%E0%A4%86%E0%A4%B8%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AD%E0%A4%BE%E0%A4%B5\"><\/span><strong>\u092c\u0922\u093c\u0924\u0940 \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0906\u0938\u094d\u0924\u093f\u092f\u094b\u0902 (\u090f\u0928\u092a\u0940\u090f) \u0915\u093e \u092a\u094d\u0930\u092d\u093e\u0935<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092c\u0922\u093c\u0924\u0940 \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0906\u0938\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0938\u092e\u0917\u094d\u0930 \u0935\u093f\u0915\u093e\u0938 \u092a\u0930 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0921\u093c\u0924\u093e \u0939\u0948, \u091c\u0948\u0938\u093e \u0915\u093f \u0928\u0940\u091a\u0947 \u0926\u0947\u0916\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"654\" height=\"411\" src=\"https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image.png\" alt=\"\u092c\u0922\u093c\u0924\u0940 \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0906\u0938\u094d\u0924\u093f\u092f\u094b\u0902\" class=\"wp-image-12934\" srcset=\"https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image.png 654w, https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-411x258.png 411w, https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-150x94.png 150w\" sizes=\"auto, (max-width: 654px) 100vw, 654px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"637\" height=\"390\" src=\"https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-1.png\" alt=\"\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 \" class=\"wp-image-12935\" srcset=\"https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-1.png 637w, https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-1-421x258.png 421w, https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-1-150x92.png 150w\" sizes=\"auto, (max-width: 637px) 100vw, 637px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0932\u093e\u092d\u092a\u094d\u0930\u0926\u0924\u093e <\/strong>: \u0914\u0938\u0924\u0928, \u092c\u0948\u0902\u0915 \u0935\u0943\u0926\u094d\u0927\u093f\u0936\u0940\u0932 \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) \u092a\u0930 \u0932\u0917\u092d\u0917 25% \u0938\u0947 30% \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0915\u093e \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0932\u093e\u092d\u092a\u094d\u0930\u0926\u0924\u093e \u092a\u0930 \u0938\u0940\u0927\u093e \u0905\u0938\u0930 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (\u090b\u0923) \u0938\u0902\u0915\u0941\u091a\u0928<\/strong>: \u092c\u0922\u093c\u0940 \u0939\u0941\u0908 \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) \u0928\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0905\u0927\u093f\u0915 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0915\u094b \u0915\u092e \u0915\u0930 \u0926\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u092c\u094d\u092f\u093e\u091c \u0906\u092f \u0915\u092e \u0939\u094b \u0917\u0908 \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u092e\u0941\u0926\u094d\u0930\u093e \u092d\u0902\u0921\u093e\u0930 \u0915\u094b \u0938\u0902\u0915\u0941\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u092e\u0902\u0926\u0940 \u0915\u0940 \u0938\u092e\u094d\u092d\u093e\u0935\u0928\u093e \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0926\u0947\u092f\u0924\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928<\/strong> : \u0909\u091a\u094d\u091a \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 (\u090f\u0928\u092a\u0940\u090f) \u090f\u0915 \u0924\u0930\u092b \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u091c\u092e\u093e \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0914\u0930 \u0926\u0942\u0938\u0930\u0940 \u0913\u0930 \u0905\u0917\u094d\u0930\u093f\u092e\u094b\u0902 \u092a\u0930 \u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0932\u0917\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u091c\u092c\u0942\u0930 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u0938\u0941\u091a\u093e\u0930\u0942 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092e\u0927\u094d\u092f\u0938\u094d\u0925\u0924\u093e \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 \u092c\u093e\u0927\u093e \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948 \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0947 \u0938\u093e\u0925-\u0938\u093e\u0925 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u0915\u094b \u092d\u0940 \u092c\u093e\u0927\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092a\u0942\u0902\u091c\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924\u0924\u093e<\/strong> : \u092c\u0947\u0938\u0932 \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u091c\u094b\u0916\u093f\u092e-\u092d\u093e\u0930\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u092a\u0942\u0902\u091c\u0940 \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964\n<ul class=\"wp-block-list\">\n<li>\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\u0947 \u0938\u094d\u0924\u0930 \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u091c\u094b\u0916\u093f\u092e \u092d\u093e\u0930\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u0932\u093f\u090f \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0947 \u092a\u0942\u0902\u091c\u0940 \u0906\u0927\u093e\u0930 \u0915\u094b \u0914\u0930 \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938\u0938\u0947 \u0938\u0930\u0915\u093e\u0930 \u092a\u0930 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u092a\u0942\u0902\u091c\u0940\u0915\u0930\u0923 \u0915\u093e \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092c\u094b\u091d \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0936\u0947\u092f\u0930\u0927\u093e\u0930\u0915\u094b\u0902 \u0915\u093e \u0935\u093f\u0936\u094d\u0935\u093e\u0938 <\/strong>: \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0906\u0938\u094d\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f \u0938\u0947 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0914\u0930 \u0932\u093e\u092d\u092a\u094d\u0930\u0926\u0924\u093e \u092a\u0930 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0921\u093c\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u092a\u0930\u093f\u0923\u093e\u092e\u0938\u094d\u0935\u0930\u0942\u092a, \u0936\u0947\u092f\u0930\u0927\u093e\u0930\u0915\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u092a\u0942\u0902\u091c\u0940 \u092a\u0930 \u092c\u093e\u091c\u093e\u0930 \u0930\u093f\u091f\u0930\u094d\u0928 \u0928\u0939\u0940\u0902 \u092e\u093f\u0932 \u092a\u093e\u0924\u093e \u0914\u0930 \u0909\u0928\u0915\u0947 \u0928\u093f\u0935\u0947\u0936 \u0915\u093e \u092e\u0942\u0932\u094d\u092f \u0915\u092e \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0935\u093f\u0936\u094d\u0935\u093e\u0938:<\/strong> \u090f\u0928\u092a\u0940\u090f \u0915\u0947 \u0909\u091a\u094d\u091a \u0938\u094d\u0924\u0930 \u0938\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f\u0924\u093e \u092a\u0930 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0921\u093c\u0924\u093e \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0940 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0914\u0930 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f\u0924\u093e \u092e\u0947\u0902 \u0906\u092e \u091c\u0928\u0924\u093e \u0915\u0947 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u094b \u0915\u092e \u0915\u0930\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-7d29211b1f56f47f246555468456f00e\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%95%E0%A5%8B_%E0%A4%B0%E0%A5%8B%E0%A4%95%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%89%E0%A4%A0%E0%A4%BE%E0%A4%8F_%E0%A4%97%E0%A4%8F_%E0%A4%95%E0%A4%A6%E0%A4%AE\"><\/span><strong>\u090f\u0928\u092a\u0940\u090f \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u0920\u093e\u090f \u0917\u090f \u0915\u0926\u092e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u090b\u0923 \u0935\u0938\u0942\u0932\u0940 \u0928\u094d\u092f\u093e\u092f\u093e\u0927\u093f\u0915\u0930\u0923 (\u0921\u0940\u0906\u0930\u091f\u0940): <\/strong>\u092e\u093e\u092e\u0932\u094b\u0902 \u0915\u094b \u0928\u093f\u092a\u091f\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0938\u092e\u092f \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f 2013 \u092e\u0947\u0902 \u0907\u0938\u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0940 \u0917\u0908 \u0925\u0940\u0964\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u092c\u0915\u093e\u092f\u093e \u090b\u0923 \u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1993 \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u093e\u0938\u093f\u0924 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u0942\u091a\u0928\u093e \u092c\u094d\u092f\u0942\u0930\u094b:<\/strong> \u0935\u093f\u0932\u092b\u0941\u0932 \u0921\u093f\u092b\u0949\u0932\u094d\u091f\u0930\u094d\u0938 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0938\u093e\u091d\u093e \u0915\u0930\u0915\u0947 \u090f\u0928\u092a\u0940\u090f \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f 2000 \u092e\u0947\u0902 \u0907\u0938\u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0940 \u0917\u0908 \u0925\u0940\u0964<\/li>\n\n\n\n<li><strong>\u090f\u0938\u0947\u091f \u0930\u093f\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 (\u090f\u0906\u0930\u0938\u0940):<\/strong> \u0928\u094d\u092f\u093e\u092f\u093e\u0932\u092f\u094b\u0902 \u0915\u094b \u0926\u0930\u0915\u093f\u0928\u093e\u0930 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f, \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u090b\u0923\u094b\u0902 \u0938\u0947 \u092e\u0942\u0932\u094d\u092f \u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u092e\u0947\u0902 \u0924\u0947\u091c\u093c\u0940 \u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0906\u0930\u0938\u0940 \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0940 \u0917\u0908 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u0915\u0930\u0923 \u0914\u0930 \u092a\u0941\u0928\u0930\u094d\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0924\u0925\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0939\u093f\u0924 \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e (SARFAESI) , 2002:<\/strong> \u092f\u0939 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u0915\u0930\u0923 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u093e\u0928\u0942\u0928\u0940 \u0922\u093e\u0902\u091a\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u090b\u0923 \u0935\u0938\u0942\u0932\u0940 \u0915\u0947 \u0932\u093f\u090f \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0940 \u0917\u0908 \u0905\u091a\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u094b, \u092c\u093f\u0928\u093e \u090b\u0923 \u0935\u0938\u0942\u0932\u0940 \u0928\u094d\u092f\u093e\u092f\u093e\u0927\u093f\u0915\u0930\u0923 (\u0921\u0940\u0906\u0930\u091f\u0940) \u0938\u0947 \u0917\u0941\u091c\u093c\u0930\u0947, \u091c\u092c\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u0905\u0927\u093f\u0915\u093e\u0930 \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u090b\u0923 \u092a\u0941\u0928\u0930\u094d\u0917\u0920\u0928: <\/strong>\u0907\u0938\u0947 2005 \u092e\u0947\u0902 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0905\u0935\u0927\u093f \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u0947 \u0938\u093e\u0925-\u0938\u093e\u0925 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0915\u0947 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u092a\u0930 \u090b\u0923 \u0915\u0947 \u092c\u094b\u091d \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0932\u093e\u0917\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e\u0964<\/li>\n\n\n\n<li><strong>5:25 \u0928\u093f\u092f\u092e:<\/strong> 2014 \u092e\u0947\u0902 \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e, \u0907\u0938\u0947 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u0922\u093e\u0902\u091a\u0947 \u0914\u0930 \u0915\u094b\u0930 \u0909\u0926\u094d\u092f\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e \u090b\u0923\u094b\u0902 \u0915\u0947 \u0932\u091a\u0940\u0932\u0947 \u092a\u0941\u0928\u0930\u094d\u0917\u0920\u0928 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u090b\u0923\u0926\u093e\u0924\u093e \u092b\u094b\u0930\u092e (\u091c\u0947\u090f\u0932\u090f\u092b):<\/strong> 2014 \u092e\u0947\u0902 \u0938\u094d\u0925\u093e\u092a\u093f\u0924, \u0907\u0938\u0947 \u0910\u0938\u0947 \u092a\u0930\u093f\u0926\u0943\u0936\u094d\u092f\u094b\u0902 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0921\u093f\u091c\u093c\u093e\u0907\u0928 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e \u091c\u0939\u093e\u0901 \u090f\u0915 \u092c\u0948\u0902\u0915 \u0938\u0947 \u0932\u093f\u090f \u0917\u090f \u090b\u0923 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0905\u0928\u094d\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u0932\u093f\u090f \u0917\u090f \u090b\u0923\u094b\u0902 \u0915\u094b \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092e\u093f\u0936\u0928 \u0907\u0902\u0926\u094d\u0930\u0927\u0928\u0941\u0937:<\/strong> \u0907\u0938\u0947 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0915\u093e\u092e\u0915\u093e\u091c \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0915\u0947 \u0932\u093f\u090f 2015 \u092e\u0947\u0902 \u090f\u0915 \u0935\u094d\u092f\u093e\u092a\u0915 7-\u0906\u092f\u093e\u092e\u0940 \u0938\u0941\u0927\u093e\u0930 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0932\u0949\u0928\u094d\u091a \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e\u0964\n<ul class=\"wp-block-list\">\n<li>\u092e\u093f\u0936\u0928 \u0907\u0902\u0926\u094d\u0930\u0927\u0928\u0941\u0937 \u0915\u0947 \u0924\u0939\u0924 \u0938\u0941\u0927\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902: \u0928\u093f\u092f\u0941\u0915\u094d\u0924\u093f\u092f\u093e\u0901, \u092c\u0948\u0902\u0915 \u092c\u094b\u0930\u094d\u0921 \u092c\u094d\u092f\u0942\u0930\u094b, \u092a\u0942\u0902\u091c\u0940\u0915\u0930\u0923, \u0924\u0928\u093e\u0935 \u092e\u0941\u0915\u094d\u0924\u093f, \u0938\u0936\u0915\u094d\u0924\u093f\u0915\u0930\u0923, \u091c\u0935\u093e\u092c\u0926\u0947\u0939\u0940 \u0915\u0947 \u0932\u093f\u090f \u0930\u0942\u092a\u0930\u0947\u0916\u093e \u0914\u0930 \u0936\u093e\u0938\u0928 \u0938\u0941\u0927\u093e\u0930\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0930\u0923\u0928\u0940\u0924\u093f\u0915 \u090b\u0923 \u092a\u0941\u0928\u0930\u094d\u0917\u0920\u0928 (\u090f\u0938\u0921\u0940\u0906\u0930): <\/strong>\u092f\u0939 \u092f\u094b\u091c\u0928\u093e 2015 \u092e\u0947\u0902 \u0936\u0941\u0930\u0942 \u0915\u0940 \u0917\u0908 \u0925\u0940, \u091c\u093f\u0938\u0915\u0947 \u0924\u0939\u0924 \u0905\u0917\u0930 \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f, \u091c\u093f\u0928\u094d\u0939\u094b\u0902\u0928\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 \u090b\u0923 \u0932\u093f\u092f\u093e \u0939\u0948, \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u0905\u0938\u092e\u0930\u094d\u0925 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915 \u0906\u0902\u0936\u093f\u0915 \u092f\u093e \u092a\u0942\u0930\u094d\u0923 \u090b\u0923 \u0915\u094b \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u0936\u0947\u092f\u0930\u094b\u0902 \u092e\u0947\u0902 \u092c\u0926\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u0941\u0923\u0935\u0924\u094d\u0924\u093e \u0938\u092e\u0940\u0915\u094d\u0937\u093e (AQR):<\/strong> 2015 \u092e\u0947\u0902 \u090f\u0915 \u0928\u093f\u0935\u093e\u0930\u0915 \u0909\u092a\u093e\u092f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e, \u0907\u0938\u092e\u0947\u0902 \u0909\u0928 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u094d\u0930\u093e\u0930\u0902\u092d\u093f\u0915 \u092a\u0939\u091a\u093e\u0928 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948 \u091c\u094b \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0926\u093f\u0935\u093e\u0932\u093e \u0914\u0930 \u0926\u093f\u0935\u093e\u0932\u093f\u092f\u093e\u092a\u0928 \u0938\u0902\u0939\u093f\u0924\u093e (IBC): <\/strong>\u0907\u0938\u0947 2016 \u092e\u0947\u0902 \u0905\u0927\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e \u0914\u0930 \u092f\u0939 \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0939\u093f\u0924 \u0932\u0947\u0928\u0926\u093e\u0930\u094b\u0902 \u0915\u094b \u092c\u0915\u093e\u092f\u093e \u0935\u0938\u0942\u0932\u0928\u0947 \u0914\u0930 \u0916\u0930\u093e\u092c \u090b\u0923\u094b\u0902 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u092a\u0937\u094d\u091f \u0914\u0930 \u0924\u0947\u091c\u093c \u0926\u093f\u0935\u093e\u0932\u093f\u092f\u0947\u092a\u0928 \u0915\u0940 \u0915\u093e\u0930\u094d\u092f\u0935\u093e\u0939\u0940 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915: <\/strong>\u092c\u0948\u0921 \u092c\u0948\u0902\u0915 \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 (ARC) \u0939\u0948 \u091c\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0938\u0947 NPA \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<\/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>\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 (\u090f\u0928\u092a\u0940\u090f) \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0914\u0930 \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091a\u0941\u0928\u094c\u0924\u0940 \u0939\u0948\u0902\u0964 \u0939\u093e\u0932\u093e\u0901\u0915\u093f \u0907\u0938 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u094b \u0939\u0932 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0908 \u0909\u092a\u093e\u092f \u0915\u093f\u090f \u0917\u090f \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u0940 \u092a\u0941\u0928\u0930\u093e\u0935\u0943\u0924\u094d\u0924\u093f \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u092c\u0928\u093e\u090f \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0930\u0902\u0924\u0930 \u092a\u094d\u0930\u092f\u093e\u0938\u094b\u0902 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0948\u0964 \u090f\u0928\u092a\u0940\u090f \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092e\u091c\u092c\u0942\u0924 \u090b\u0923 \u0938\u0902\u0938\u094d\u0915\u0943\u0924\u093f, \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u091c\u094b\u0916\u093f\u092e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0914\u0930 \u092e\u091c\u092c\u0942\u0924 \u0936\u093e\u0938\u0928 \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-9261c1a00c279a6c767612dee4c32c12\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7_%E0%A4%89%E0%A4%B2%E0%A5%8D%E0%A4%B2%E0%A5%87%E0%A4%96_%E0%A4%96%E0%A4%BE%E0%A4%A4%E0%A4%BE_%E0%A4%8F%E0%A4%B8%E0%A4%8F%E0%A4%AE%E0%A4%8F\"><\/span><strong>\u0935\u093f\u0936\u0947\u0937 \u0909\u0932\u094d\u0932\u0947\u0916 \u0916\u093e\u0924\u093e (\u090f\u0938\u090f\u092e\u090f)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u090f\u0915 \u0910\u0938\u093e \u0916\u093e\u0924\u093e \u0939\u0948 \u091c\u094b \u0924\u0928\u093e\u0935 \u0915\u0947 \u0936\u0941\u0930\u0941\u0906\u0924\u0940 \u0938\u0902\u0915\u0947\u0924 \u0926\u093f\u0916\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u0915\u093e\u0930\u0923 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0938\u092e\u092f \u092a\u0930 \u090b\u0923 \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u091a\u0942\u0915 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092f\u0926\u094d\u0927\u092a\u093f \u0907\u0938\u0947 \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0906\u0930\u092c\u0940\u0906\u0908 \u0926\u093f\u0936\u093e\u0928\u093f\u0930\u094d\u0926\u0947\u0936\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0905\u092d\u0940 \u0924\u0915 \u0917\u0948\u0930 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (\u090f\u0928\u092a\u0940\u090f) \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 \u0964<\/li>\n\n\n\n<li>\u090f\u0938\u090f\u092e\u090f \u0916\u0930\u093e\u092c \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0917\u0941\u0923\u0935\u0924\u094d\u0924\u093e \u0915\u0947 \u0932\u0915\u094d\u0937\u0923 \u0926\u093f\u0916\u093e\u0924\u093e \u0939\u0948 \u091c\u094b \u090f\u0928\u092a\u0940\u090f\/\u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background\" style=\"background-color:#fff2cc\"><tbody><tr><td><strong>\u090f\u0938\u090f\u092e\u090f \u0909\u092a-\u0936\u094d\u0930\u0947\u0923\u093f\u092f\u093e\u0901<\/strong><\/td><td><strong>\u0935\u0930\u094d\u0917\u0940\u0915\u0930\u0923 \u0915\u093e \u0906\u0927\u093e\u0930 \u2013 \u092e\u0942\u0932\u0927\u0928 \u092f\u093e \u092c\u094d\u092f\u093e\u091c \u092d\u0941\u0917\u0924\u093e\u0928 \u091c\u094b \u0915\u093f \u092c\u0915\u093e\u092f\u093e \u0939\u0948<\/strong><\/td><\/tr><tr><td>SMA-0<\/td><td>1-30 \u0926\u093f\u0928<\/td><\/tr><tr><td>SMA-1<\/td><td>31-60 \u0926\u093f\u0928<\/td><\/tr><tr><td>SMA-2<\/td><td>61-90 \u0926\u093f\u0928<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-c47f3bff5ee6905811735ba66332c9f7\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%9F%E0%A5%8D%E0%A4%B5%E0%A4%BF%E0%A4%A8_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%B6%E0%A5%80%E0%A4%9F_%E0%A4%B8%E0%A4%AE%E0%A4%B8%E0%A5%8D%E0%A4%AF%E0%A4%BE_TBS\"><\/span><strong>\u091f\u094d\u0935\u093f\u0928 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0938\u092e\u0938\u094d\u092f\u093e (TBS)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u091f\u094d\u0935\u093f\u0928 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0938\u092e\u0938\u094d\u092f\u093e (TBS) \u092d\u093e\u0930\u0924\u0940\u092f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0932\u093f\u090f \u0926\u094b\u0939\u0930\u0947 \u0938\u0902\u0915\u091f \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u090b\u0923\u0917\u094d\u0930\u0938\u094d\u0924 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 : \u0930\u0941\u0915\u0940 \u0939\u0941\u0908 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e\u090f\u0902 \u0914\u0930 \u092e\u093e\u0902\u0917 \u092e\u0947\u0902 \u0915\u092e\u0940 \u091c\u0948\u0938\u0947 \u0915\u093e\u0930\u0923\u094b\u0902 \u0938\u0947 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0940 \u090b\u0923 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u092a\u0930\u093f\u0923\u093e\u092e \u090b\u0923 \u0915\u0947 \u0938\u0902\u091a\u092f \u0914\u0930 \u092c\u0922\u093c\u0924\u0947 \u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (NPAs) \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u090b\u0923-\u092d\u093e\u0930\u093f\u0924 \u092c\u0948\u0902\u0915 : \u091c\u092c \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u092e\u0942\u0932\u0927\u0928 \u092f\u093e \u092c\u094d\u092f\u093e\u091c \u091a\u0941\u0915\u093e\u0928\u0947 \u092e\u0947\u0902 \u0935\u093f\u092b\u0932 \u0930\u0939\u0924\u0940 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092d\u0940 \u0938\u092e\u0938\u094d\u092f\u093e\u0913\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964 \u092c\u0922\u093c\u0924\u0947 \u090f\u0928\u092a\u0940\u090f \u0938\u0947 \u0906\u092f \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0905\u0927\u093f\u0915 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0932\u093e\u092d \u092e\u0947\u0902 \u0917\u093f\u0930\u093e\u0935\u091f \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915 \u091c\u094b\u0916\u093f\u092e \u0932\u0947\u0928\u0947 \u092e\u0947\u0902 \u0939\u093f\u091a\u0915\u093f\u091a\u093e\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0938\u0947 \u0915\u0924\u0930\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background has-fixed-layout\" style=\"background-color:#ebecf0\"><tbody><tr><td>\u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u090b\u0923 \u0915\u093e 40% \u0939\u093f\u0938\u094d\u0938\u093e \u0909\u0928 \u0915\u092e\u094d\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u093e \u0939\u0948 \u091c\u094b \u0905\u092a\u0928\u0947 \u092c\u094d\u092f\u093e\u091c \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0906\u092f \u0905\u0930\u094d\u091c\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930 \u092a\u093e \u0930\u0939\u0940 \u0939\u0948\u0902\u0964<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-f1e0a9cf332f662665ccd0fc68b2c40f\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AB%E0%A5%8B%E0%A4%B0_%E0%A4%86%E0%A4%B0_4R_%E0%A4%B8%E0%A4%AE%E0%A4%BE%E0%A4%A7%E0%A4%BE%E0%A4%A8_%E0%A4%A6%E0%A5%83%E0%A4%B7%E0%A5%8D%E0%A4%9F%E0%A4%BF%E0%A4%95%E0%A5%8B%E0%A4%A3\"><\/span><strong>\u092b\u094b\u0930 \u0906\u0930 (4R) \u0938\u092e\u093e\u0927\u093e\u0928 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0930\u094d\u0935\u0947\u0915\u094d\u0937\u0923 2015-16 \u092e\u0947\u0902 \u092c\u0922\u093c\u0924\u0947 \u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (NPAs) \u0914\u0930 \u091f\u094d\u0935\u093f\u0928 \u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u094b \u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u0942\u092a \u0938\u0947 \u0939\u0932 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u2018\u092b\u094b\u0930 \u0906\u0930 (4R) \u0938\u092e\u093e\u0927\u093e\u0928 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923\u2019 \u0915\u0940 \u0938\u093f\u092b\u093e\u0930\u093f\u0936 \u0915\u0940 \u0917\u092f\u0940\u0964 \u0907\u0938 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0915\u0947 4R \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"367\" src=\"https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-2.png\" alt=\"\" class=\"wp-image-12947\" srcset=\"https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-2.png 576w, https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-2-405x258.png 405w, https:\/\/wp-images.nextias.com\/cdn-cgi\/image\/format=auto\/blog\/uploads\/2024\/10\/image-2-150x96.png 150w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-66a62fb704c6d8accdea1aafe028b9b2\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AF%E0%A4%83_%E0%A4%AA%E0%A5%82%E0%A4%9B%E0%A5%87_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A5%87_%E0%A4%B5%E0%A4%BE%E0%A4%B2%E0%A5%87_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%B6%E0%A5%8D%E0%A4%A8\"><\/span><strong>\u092a\u094d\u0930\u093e\u092f\u0903 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1730162263609\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"%E0%A4%8F%E0%A4%A8%E0%A4%AA%E0%A5%80%E0%A4%8F_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A4%BE_%E0%A4%A8%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>\u090f\u0928\u092a\u0940\u090f \u0915\u093e \u092a\u0942\u0930\u093e \u0928\u093e\u092e \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u090f\u0928\u092a\u0940\u090f \u0915\u093e \u092a\u0942\u0930\u093e \u0928\u093e\u092e <strong>\u0928\u0949\u0928 \u092a\u0930\u092b\u0949\u0930\u094d\u092e\u093f\u0902\u0917 \u090f\u0938\u0947\u091f<\/strong> \u0939\u0948\u0964<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0932\u093f\u090f \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 (\u090f\u0928\u092a\u0940\u090f) \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091a\u093f\u0902\u0924\u093e \u0915\u093e \u0935\u093f\u0937\u092f \u092c\u0928 \u0917\u0908 \u0939\u0948\u0902, \u091c\u094b \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0914\u0930 \u0935\u093f\u0915\u093e\u0938 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0930\u0939\u0940 \u0939\u0948\u0902\u0964<\/p>\n","protected":false},"author":9,"featured_media":21130,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83],"tags":[],"class_list":["post-21125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-83"],"_links":{"self":[{"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/posts\/21125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/comments?post=21125"}],"version-history":[{"count":2,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/posts\/21125\/revisions"}],"predecessor-version":[{"id":21129,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/posts\/21125\/revisions\/21129"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/media\/21130"}],"wp:attachment":[{"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/media?parent=21125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/categories?post=21125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/tags?post=21125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}