{"id":7513,"date":"2024-04-24T11:07:26","date_gmt":"2024-04-24T11:07:26","guid":{"rendered":"https:\/\/www.nextias.com\/blog\/?p=7513"},"modified":"2024-04-26T10:59:41","modified_gmt":"2024-04-26T10:59:41","slug":"%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95","status":"publish","type":"post","link":"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/","title":{"rendered":"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915: \u0905\u0930\u094d\u0925, \u092a\u094d\u0930\u0915\u093e\u0930 \u090f\u0935\u0902 \u092e\u0939\u0924\u094d\u0924\u094d\u0935"},"content":{"rendered":"\n<p><em><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 <\/strong>\u092a\u0930\u093f\u0926\u0943\u0936\u094d\u092f \u092e\u0947\u0902 <strong>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 <\/strong>\u0905\u092a\u0928\u0940 \u0905\u0935\u0927\u093e\u0930\u0923\u093e \u0914\u0930 \u0915\u093e\u0930\u094d\u092f\u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u090f\u0915 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0938\u094d\u0925\u093e\u0928 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902\u0964 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u090f\u0915 \u0938\u092e\u0941\u0926\u093e\u092f-\u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0915\u094b \u0905\u092a\u0928\u093e\u0924\u0947 \u0939\u0941\u090f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928 \u0915\u094b \u0938\u0941\u0917\u092e \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948\u0902, \u0935\u093f\u0936\u0947\u0937\u0915\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0914\u0930 \u0915\u0943\u0937\u093f \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902, \u0907\u0938\u0932\u093f\u090f <strong>NEXT IAS<\/strong> \u0915\u0947 \u0907\u0938 \u0932\u0947\u0916 \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u0905\u0927\u094d\u092f\u092f\u0928 \u0915\u0930\u0928\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0909\u0928\u0915\u0947 \u0905\u0930\u094d\u0925, \u092a\u094d\u0930\u0915\u093e\u0930, \u0938\u0902\u0930\u091a\u0928\u093e, \u092e\u0939\u0924\u094d\u0924\u094d\u0935 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0924\u0925\u094d\u092f \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0964<\/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%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%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%8B%E0%A4%A4%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82\" title=\"\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u0947 \u0939\u0948\u0902?\">\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u0947 \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%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%80_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7%E0%A4%A4%E0%A4%BE%E0%A4%8F%E0%A4%81\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901<\/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%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%A8\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u0928\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u0928<\/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%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%B5%E0%A4%BE%E0%A4%A3%E0%A4%BF%E0%A4%9C%E0%A5%8D%E0%A4%AF%E0%A4%BF%E0%A4%95_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%94%E0%A4%B0_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A5%80%E0%A4%9A_%E0%A4%85%E0%A4%82%E0%A4%A4%E0%A4%B0\" title=\"\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930\">\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930<\/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%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e<\/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%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%B6%E0%A4%B9%E0%A4%B0%E0%A5%80_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_UCBs\" title=\"\u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (UCBs)\">\u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (UCBs)<\/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%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%97%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AE%E0%A5%80%E0%A4%A3_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_RCBs\" title=\"\u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (RCBs)\">\u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (RCBs)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%85%E0%A4%B2%E0%A5%8D%E0%A4%AA%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE%E0%A4%8F%E0%A4%81_Short-Term_Structures\" title=\"\u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901 (Short-Term Structures)\">\u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901 (Short-Term Structures)<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%B0%E0%A4%BE%E0%A4%9C%E0%A5%8D%E0%A4%AF_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_State_Cooperative_Banks\" title=\"\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (State Cooperative Banks)\">\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (State Cooperative Banks)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%9C%E0%A4%BF%E0%A4%B2%E0%A4%BE_%E0%A4%95%E0%A5%87%E0%A4%82%E0%A4%A6%E0%A5%8D%E0%A4%B0%E0%A5%80%E0%A4%AF_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_DCCBs\" title=\"\u091c\u093f\u0932\u093e \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (DCCBs)\">\u091c\u093f\u0932\u093e \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (DCCBs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%A5%E0%A4%AE%E0%A4%BF%E0%A4%95_%E0%A4%95%E0%A5%83%E0%A4%B7%E0%A4%BF_%E0%A4%8B%E0%A4%A3_%E0%A4%B8%E0%A4%AE%E0%A4%BF%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A4%BE%E0%A4%81_PACS\" title=\"\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0915\u0943\u0937\u093f \u090b\u0923 \u0938\u092e\u093f\u0924\u093f\u092f\u093e\u0901 (PACS)\">\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0915\u0943\u0937\u093f \u090b\u0923 \u0938\u092e\u093f\u0924\u093f\u092f\u093e\u0901 (PACS)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%A6%E0%A5%80%E0%A4%B0%E0%A5%8D%E0%A4%98%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE%E0%A4%8F%E0%A4%81_Long-Term_Structures\" title=\"\u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901 (Long-Term Structures)\">\u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901 (Long-Term Structures)<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%B0%E0%A4%BE%E0%A4%9C%E0%A5%8D%E0%A4%AF_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%95%E0%A5%83%E0%A4%B7%E0%A4%BF_%E0%A4%94%E0%A4%B0_%E0%A4%97%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AE%E0%A5%80%E0%A4%A3_%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_SCARDBs\" title=\"\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (SCARDBs)\">\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (SCARDBs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%A5%E0%A4%AE%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%95%E0%A5%83%E0%A4%B7%E0%A4%BF_%E0%A4%94%E0%A4%B0_%E0%A4%97%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AE%E0%A5%80%E0%A4%A3_%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_PCARDBs\" title=\"\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (PCARDBs)\">\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (PCARDBs)<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A5%8D%E0%A4%B5\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u092e\u0939\u0924\u094d\u0924\u094d\u0935\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u092e\u0939\u0924\u094d\u0924\u094d\u0935<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%B5%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%A8_%E0%A4%B8%E0%A4%82%E0%A4%B6%E0%A5%8B%E0%A4%A7%E0%A4%A8_%E0%A4%85%E0%A4%A7%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE_2020\" title=\"\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 (\u0938\u0902\u0936\u094b\u0927\u0928) \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 2020\">\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 (\u0938\u0902\u0936\u094b\u0927\u0928) \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 2020<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95\/#%E0%A4%85%E0%A4%A7%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE_%E0%A4%95%E0%A5%80_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AE%E0%A5%81%E0%A4%96_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7%E0%A4%A4%E0%A4%BE%E0%A4%8F%E0%A4%81\" title=\"\u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901\">\u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%AA%E0%A4%B0_%E0%A4%B8%E0%A4%BE%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A5%8D%E0%A4%AF%E0%A4%A4_%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_FAQs\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u092a\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924: \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928 (FAQs)\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u092a\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924: \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928 (FAQs)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%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%95%E0%A4%BE_%E0%A4%AA%E0%A4%B9%E0%A4%B2%E0%A4%BE_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%8C%E0%A4%A8_%E0%A4%B8%E0%A4%BE_%E0%A4%B9%E0%A5%88\" title=\"\u092d\u093e\u0930\u0924 \u0915\u093e \u092a\u0939\u0932\u093e \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0915\u094c\u0928 \u0938\u093e \u0939\u0948?\">\u092d\u093e\u0930\u0924 \u0915\u093e \u092a\u0939\u0932\u093e \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0915\u094c\u0928 \u0938\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.nextias.com\/blog\/%e0%a4%b8%e0%a4%b9%e0%a4%95%e0%a4%be%e0%a4%b0%e0%a5%80-%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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%8B_%E0%A4%95%E0%A5%8C%E0%A4%A8_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%82%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A4%BF%E0%A4%A4_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" title=\"\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0915\u094c\u0928 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948?\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0915\u094c\u0928 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\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-3f3a48aa0dd1b62e5d899ae9acad0f62\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%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%8B%E0%A4%A4%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82\"><\/span><strong>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u0947 \u0939\u0948\u0902?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915, \u0909\u0928 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0924\u0939\u0924 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u0925\u093e <strong>\u0905\u092a\u0928\u0947 \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u092f\u094b\u0917 \u0914\u0930 \u092a\u093e\u0930\u0938\u094d\u092a\u0930\u093f\u0915 \u0932\u093e\u092d \u0915\u0947 \u0938\u093f\u0926\u094d\u0927\u093e\u0902\u0924\u094b\u0902 \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924<\/strong> \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-c24805e6eb5763d58d2ba9c715089c16\" 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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%80_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7%E0%A4%A4%E0%A4%BE%E0%A4%8F%E0%A4%81\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0947 \u0905\u092a\u0928\u0947 \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u092c\u0948\u0902\u0915 \u0915\u0947 <strong>\u0936\u0947\u092f\u0930\u0927\u093e\u0930\u0915 \u0914\u0930 \u0917\u094d\u0930\u093e\u0939\u0915<\/strong> \u0926\u094b\u0928\u094b\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964\n<ul class=\"wp-block-list\">\n<li>\u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930, \u092f\u0939 \u0915\u0939\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0915\u093f <strong>\u0917\u094d\u0930\u093e\u0939\u0915 \u0939\u0940 \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092e\u093e\u0932\u093f\u0915<\/strong> \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0928\u093e\u092e \u0907\u0938\u0932\u093f\u090f \u0930\u0916\u093e \u0917\u092f\u093e \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0928\u0915\u093e <strong>\u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0905\u092a\u0928\u0947 \u0939\u093f\u0924\u0927\u093e\u0930\u0915\u094b\u0902 \u0915\u093e \u0938\u0939\u092f\u094b\u0917<\/strong> \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 <strong>&#8220;\u090f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f, \u090f\u0915 \u0935\u094b\u091f&#8221;<\/strong> \u0915\u0947 \u0938\u093f\u0926\u094d\u0927\u093e\u0902\u0924 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0938\u0939\u092f\u094b\u0917, \u0938\u094d\u0935\u092f\u0902 \u0938\u0939\u093e\u092f\u0924\u093e \u0914\u0930<strong> &#8216;\u0928\u093e \u0932\u093e\u092d \u0914\u0930 \u0928\u093e \u0939\u093e\u0928\u093f&#8217; <\/strong>\u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092a\u094d\u0930\u092c\u0902\u0927\u093f\u0924 \u0915\u093f\u090f \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u092c\u0948\u0902\u0915 <strong>\u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0915\u0947<\/strong> \u0938\u093e\u0925-\u0938\u093e\u0925 <strong>\u091c\u092e\u093e\u090f\u0901 \u092d\u0940 \u0938\u094d\u0935\u0940\u0915\u093e\u0930<\/strong> \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background\" style=\"background-color:#ebecf0\"><tbody><tr><td>&#8211; \u0907\u0928\u094d\u0939\u0947\u0902 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0930\u093e\u091c\u094d\u092f \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u093e\u0930\u093f\u0924 <strong>\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u093e\u0901 \u0905\u0927\u093f\u0928\u093f\u092f\u092e<\/strong> \u0915\u0947 \u0924\u0939\u0924 \u0938\u092e\u094d\u092e\u093f\u0932\u093f\u0924 \u0914\u0930 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<br>&#8211; \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 <strong>(\u0928\u093e\u092c\u093e\u0930\u094d\u0921) \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u093e \u0936\u0940\u0930\u094d\u0937<\/strong> \u0928\u093f\u0915\u093e\u092f \u0939\u0948\u0964<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-a8887888802fc2e80a84ecccc3431124\" 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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%A8\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u0928<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u092f\u0947 \u092c\u0948\u0902\u0915 \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0926\u094b\u0939\u0930\u0947 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0906\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915: \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1949 \u0914\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0927\u093f (\u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u093e) \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1965 \u0915\u0947 \u0924\u0939\u0924,<\/strong> \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0939\u0932\u0941\u0913\u0902, \u091c\u0948\u0938\u0947 \u092a\u0942\u0902\u091c\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924\u0924\u093e, \u091c\u094b\u0916\u093f\u092e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0914\u0930 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0947 \u092e\u093e\u0928\u0926\u0902\u0921 \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0909\u0924\u094d\u0924\u0930\u0926\u093e\u092f\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0930\u093e\u091c\u094d\u092f \u092f\u093e \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 \u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u093e\u0930 (RCS)<\/strong>: \u0935\u0947 \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u092a\u0939\u0932\u0941\u0913\u0902 \u0915\u0947 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0915\u0947 \u0932\u093f\u090f \u0909\u0924\u094d\u0924\u0930\u0926\u093e\u092f\u0940 \u0939\u0948, \u091c\u0948\u0938\u0947 \u0928\u093f\u0917\u092e\u0928, \u092a\u0902\u091c\u0940\u0915\u0930\u0923, \u092a\u094d\u0930\u092c\u0902\u0927\u0928, \u0932\u0947\u0916\u093e \u092a\u0930\u0940\u0915\u094d\u0937\u093e, \u0928\u093f\u0926\u0947\u0936\u0915 \u092e\u0902\u0921\u0932 \u0915\u093e \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u0914\u0930 \u092a\u0930\u093f\u0938\u092e\u093e\u092a\u0928\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-6b815b910b9caa6a407c51906974c74e\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B5%E0%A4%BE%E0%A4%A3%E0%A4%BF%E0%A4%9C%E0%A5%8D%E0%A4%AF%E0%A4%BF%E0%A4%95_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%94%E0%A4%B0_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A5%80%E0%A4%9A_%E0%A4%85%E0%A4%82%E0%A4%A4%E0%A4%B0\"><\/span><strong>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0905\u0902\u0924\u0930<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background\" style=\"background-color:#ebecf0\"><thead><tr><th>\u0905\u0902\u0924\u0930 \u0915\u093e \u0906\u0927\u093e\u0930<\/th><th>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915<\/th><th>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915<\/th><\/tr><\/thead><tbody><tr><td>\u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902<\/td><td>\u0938\u0902\u092f\u0941\u0915\u094d\u0924 \u092a\u0942\u0901\u091c\u0940 \u092c\u0948\u0902\u0915<\/td><td>\u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u090f\u0901<\/td><\/tr><tr><td>\u0936\u093e\u0938\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e<\/td><td>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e 1949<\/td><td>\u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u093e\u0901 \u0905\u0927\u093f\u0928\u093f\u092f\u092e 1904<\/td><\/tr><tr><td>\u0935\u093f\u0928\u093f\u092f\u092e\u0928<\/td><td>\u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0930\u0942\u092a \u0938\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u092e\u0947\u0902<\/td><td>\u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0905\u0927\u0940\u0928<\/td><\/tr><tr><td>SLR \u0914\u0930 CRR \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u090f\u0901<\/td><td>\u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u0930\u0942\u092a \u0938\u0947 \u0905\u0927\u093f\u0915<\/td><td>\u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e<\/td><\/tr><tr><td>\u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u0940 \u0935\u094d\u092f\u093e\u092a\u0915\u0924\u093e<\/td><td>\u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u0942\u092a \u0938\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0901<\/td><td>\u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0915\u0943\u0924 \u0915\u092e \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0901<\/td><\/tr><tr><td>\u0915\u093e\u0930\u094d\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930<\/td><td>\u092c\u0921\u093c\u0947 \u092a\u0948\u092e\u093e\u0928\u0947 \u092a\u0930 \u0938\u0902\u091a\u093e\u0932\u0928, \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0926\u0947\u0936\u0935\u094d\u092f\u093e\u092a\u0940<\/td><td>\u091b\u094b\u091f\u0947 \u092a\u0948\u092e\u093e\u0928\u0947 \u092a\u0930 \u0938\u0902\u091a\u093e\u0932\u0928, \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u090f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0924\u0915 \u0938\u0940\u092e\u093f\u0924<\/td><\/tr><tr><td>\u091c\u092e\u093e\u090f\u0901 \u0930\u093e\u0936\u093f \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930<\/td><td>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u091c\u092e\u093e\u090f\u0901 \u0930\u093e\u0936\u093f \u092a\u0930 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>\u091c\u092e\u093e\u090f\u0901 \u0930\u093e\u0936\u093f \u092a\u0930 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0915\u0943\u0924 \u0905\u0927\u093f\u0915 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><\/tr><tr><td>\u092e\u0941\u0916\u094d\u092f \u0915\u093e\u0930\u094d\u092f<\/td><td>\u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0909\u0926\u094d\u092f\u094b\u0917, \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0914\u0930 \u0935\u093e\u0923\u093f\u091c\u094d\u092f \u0915\u094b \u0905\u0932\u094d\u092a\u0915\u093e\u0932\u0940\u0928 \u0935\u093f\u0924\u094d\u0924 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u092e\u0947\u0902 \u0928\u093f\u0930\u094d\u092f\u093e\u0924 \u0906\u0926\u093f \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 \u092d\u0940 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/td><td>\u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0915\u0943\u0937\u0915\u094b\u0902 \u0915\u0940 \u090b\u0923 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><\/tr><tr><td>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e<\/td><td>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u0947\u0935\u0932 \u0916\u093e\u0924\u093e\u0927\u093e\u0930\u0915 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0909\u0928\u0915\u0947 \u092a\u093e\u0938 \u092e\u0924 \u0926\u0947\u0928\u0947 \u0915\u093e \u0915\u094b\u0908 \u0905\u0927\u093f\u0915\u093e\u0930 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e \u0939\u0948, \u0907\u0938\u0932\u093f\u090f \u0909\u0928\u0915\u093e \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u090b\u0923 \u0928\u0940\u0924\u093f \u092a\u0930 \u0915\u094b\u0908 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/td><td>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0938\u0926\u0938\u094d\u092f \u0936\u0947\u092f\u0930\u0927\u093e\u0930\u0915 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u0907\u0938\u0932\u093f\u090f \u0909\u0928\u0915\u0940 \u092e\u0924\u0926\u093e\u0928 \u0936\u0915\u094d\u0924\u093f \u0915\u0947 \u0915\u093e\u0930\u0923 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u090b\u0923 \u0928\u0940\u0924\u093f \u092a\u0930 \u0909\u0928\u0915\u093e \u0915\u0941\u091b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/td><\/tr><tr><td>\u090b\u0923 \u0926\u0947\u0928\u0947 \u092e\u0947\u0902 \u0932\u091a\u0940\u0932\u093e\u092a\u0928<\/td><td>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915 \u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0938\u0916\u094d\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>\u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0938\u0916\u094d\u0924 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0932\u091a\u0940\u0932\u0947\u092a\u0928 \u0915\u0940 \u0905\u0927\u093f\u0915 \u0917\u0941\u0902\u091c\u093e\u0907\u0936 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/td><\/tr><tr><td><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-2e3b714c1f8ac116614c838c2e045cc5\" 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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0938\u0902\u0930\u091a\u0928\u093e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0924\u0939\u0924 \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (RCBs) \u0914\u0930 \u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (UCBs) \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964 \u0909\u0928\u094d\u0939\u0947\u0902 \u0906\u0917\u0947 \u0909\u092a-\u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 \u091c\u0948\u0938\u093e \u0915\u093f \u0928\u0940\u091a\u0947 \u0926\u093f\u0916\u093e\u092f\u093e \u0917\u092f\u093e \u0939\u0948:<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-1c93b8d4f0cc378c5c70d62ab3cf0e94\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%B6%E0%A4%B9%E0%A4%B0%E0%A5%80_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_UCBs\"><\/span><strong>\u0936\u0939\u0930\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (UCBs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0947 \u0936\u0939\u0930\u0940 \u0914\u0930 \u0905\u0930\u094d\u0927-\u0936\u0939\u0930\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u091b\u094b\u091f\u0947 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0914\u0930 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u094b \u090b\u0923 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0909\u0928\u0915\u0947 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0936\u093e\u0938\u0928 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930, \u0909\u0928\u094d\u0939\u0947\u0902 \u0926\u094b \u092a\u094d\u0930\u0915\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 &#8211; \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0917\u0948\u0930-\u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u092c\u0948\u0902\u0915\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-b8360e68eec5e79be29e9341b6aedb93\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%97%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AE%E0%A5%80%E0%A4%A3_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_RCBs\"><\/span><strong>\u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (RCBs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0947 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u0915\u0947 \u0932\u094b\u0917\u094b\u0902 \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u090b\u0923 \u0926\u0947\u0928\u0947 \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930, \u0909\u0928\u094d\u0939\u0947\u0902 <strong>2 \u0909\u092a-\u0936\u094d\u0930\u0947\u0923\u093f\u092f\u094b\u0902<\/strong> \u092e\u0947\u0902 \u0935\u093f\u092d\u093e\u091c\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948 &#8211; \u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901 \u0914\u0930 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-219a90b3d9eba73926e10de6137ba9f5\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%85%E0%A4%B2%E0%A5%8D%E0%A4%AA%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE%E0%A4%8F%E0%A4%81_Short-Term_Structures\"><\/span><strong>\u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901 (Short-Term Structures)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0947 \u0915\u0943\u0937\u093f \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902, \u092c\u0940\u091c \u0914\u0930 \u0909\u0930\u094d\u0935\u0930\u0915 \u0916\u0930\u0940\u0926\u0928\u0947 \u0906\u0926\u093f \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f <strong>1 \u0935\u0930\u094d\u0937 \u0924\u0915 \u0915\u093e<\/strong> \u090b\u0923 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0907\u0928\u0915\u093e <strong>3-\u0938\u094d\u0924\u0930\u0940\u092f \u0938\u0947\u091f\u0905\u092a \u0939\u094b\u0924\u093e<\/strong> \u0939\u0948:<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B0%E0%A4%BE%E0%A4%9C%E0%A5%8D%E0%A4%AF_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_State_Cooperative_Banks\"><\/span><strong>\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (State Cooperative Banks)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0930\u093e\u091c\u094d\u092f \u0915\u093e \u0905\u092a\u0928\u093e \u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u094b \u0909\u0938 \u0935\u093f\u0936\u0947\u0937 \u0930\u093e\u091c\u094d\u092f \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f <strong>\u0936\u0940\u0930\u094d\u0937 \u0928\u093f\u0915\u093e\u092f <\/strong>\u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0947 <strong>\u0930\u093e\u091c\u094d\u092f \u0938\u094d\u0924\u0930 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/strong><\/li>\n\n\n\n<li>\u092f\u0939 \u090f\u0915 \u0924\u0930\u092b RBI \u090f\u0935\u0902 \u0928\u093e\u092c\u093e\u0930\u094d\u0921 \u0924\u0925\u093e \u0926\u0942\u0938\u0930\u0940 \u0924\u0930\u092b \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092f\u093e \u091c\u093f\u0932\u093e \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u090f\u0935\u0902 \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0915\u0943\u0937\u093f \u090b\u0923 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u092e\u0927\u094d\u092f\u0938\u094d\u0925 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%9C%E0%A4%BF%E0%A4%B2%E0%A4%BE_%E0%A4%95%E0%A5%87%E0%A4%82%E0%A4%A6%E0%A5%8D%E0%A4%B0%E0%A5%80%E0%A4%AF_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_DCCBs\"><\/span><strong>\u091c\u093f\u0932\u093e \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (DCCBs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0947 <strong>\u091c\u093f\u0932\u093e \u0938\u094d\u0924\u0930 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f<\/strong> \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0909\u0928\u094d\u0939\u0947\u0902 \u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0938\u0947 \u090b\u0923 \u092e\u093f\u0932\u0924\u093e \u0939\u0948 \u0924\u0925\u093e \u092f\u0939 \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0915\u0943\u0937\u093f \u090b\u0923 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u090f\u0935\u0902 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%A5%E0%A4%AE%E0%A4%BF%E0%A4%95_%E0%A4%95%E0%A5%83%E0%A4%B7%E0%A4%BF_%E0%A4%8B%E0%A4%A3_%E0%A4%B8%E0%A4%AE%E0%A4%BF%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A4%BE%E0%A4%81_PACS\"><\/span><strong>\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0915\u0943\u0937\u093f \u090b\u0923 \u0938\u092e\u093f\u0924\u093f\u092f\u093e\u0901 (PACS)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0915\u0943\u0937\u093f \u090b\u0923 \u0938\u092e\u093f\u0924\u093f\u092f\u093e\u0901 (PACS) \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 <strong>\u090f\u0915 \u092e\u0942\u0932 \u0907\u0915\u093e\u0908 <\/strong>\u0914\u0930 <strong>\u0938\u092c\u0938\u0947 \u091b\u094b\u091f\u0940 \u0938\u0939\u0915\u093e\u0930\u0940 \u090b\u0923 \u0938\u0902\u0938\u094d\u0925\u093e \u0939\u0948\u0964<\/strong><\/li>\n\n\n\n<li>\u092f\u0947 <strong>\u0917\u094d\u0930\u093e\u092e \u092a\u0902\u091a\u093e\u092f\u0924 \u0914\u0930 \u0917\u094d\u0930\u093e\u092e \u0938\u094d\u0924\u0930 <\/strong>\u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u092f\u0947 \u0905\u092a\u0928\u0947 \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0915\u094b \u0915\u0943\u0937\u093f \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f <strong>\u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u090b\u0923 (1 \u0935\u0930\u094d\u0937 \u0938\u0947 3 \u0935\u0930\u094d\u0937)<\/strong> \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-d7e0f36db85034484201509c2b4823f5\" style=\"color:#ff6a00\"><span class=\"ez-toc-section\" id=\"%E0%A4%A6%E0%A5%80%E0%A4%B0%E0%A5%8D%E0%A4%98%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A4%82%E0%A4%B0%E0%A4%9A%E0%A4%A8%E0%A4%BE%E0%A4%8F%E0%A4%81_Long-Term_Structures\"><\/span><strong>\u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0938\u0902\u0930\u091a\u0928\u093e\u090f\u0901 (Long-Term Structures)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0947 <strong>\u092e\u0927\u094d\u092f\u092e \u0914\u0930 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0928\u093f\u0927\u093f \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 (1.5 \u0935\u0930\u094d\u0937 &#8211; 25 \u0935\u0930\u094d\u0937)<\/strong> \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090b\u0923 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f \u092d\u0942\u092e\u093f \u0935\u093f\u0915\u093e\u0938, \u092a\u0902\u092a \u0916\u0930\u0940\u0926 \u0906\u0926\u093f \u0915\u0947 \u0932\u093f\u090f\u0964<\/li>\n\n\n\n<li>\u0909\u0928\u0915\u0947 \u092a\u093e\u0938 <strong>\u090f\u0915 2-\u0938\u094d\u0924\u0930\u0940\u092f \u0938\u0947\u091f\u0905\u092a<\/strong> \u0939\u0948:<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B0%E0%A4%BE%E0%A4%9C%E0%A5%8D%E0%A4%AF_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%95%E0%A5%83%E0%A4%B7%E0%A4%BF_%E0%A4%94%E0%A4%B0_%E0%A4%97%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AE%E0%A5%80%E0%A4%A3_%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_SCARDBs\"><\/span><strong>\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (SCARDBs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (SCARDBs) <strong>\u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 <\/strong>\u0915\u0947 \u0932\u093f\u090f \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u090b\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%A5%E0%A4%AE%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%95%E0%A5%83%E0%A4%B7%E0%A4%BF_%E0%A4%94%E0%A4%B0_%E0%A4%97%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AE%E0%A5%80%E0%A4%A3_%E0%A4%B5%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_PCARDBs\"><\/span><strong>\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (PCARDBs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u092c\u0948\u0902\u0915 (PCARDBs) \u0915\u093e \u0932\u0915\u094d\u0937\u094d\u092f <strong>\u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u091b\u094b\u091f\u0947 \u0914\u0930 \u0938\u0940\u092e\u093e\u0902\u0924 \u0915\u093f\u0938\u093e\u0928\u094b\u0902, \u0915\u0943\u0937\u093f \u0936\u094d\u0930\u092e\u093f\u0915\u094b\u0902 \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0915\u093e\u0930\u0940\u0917\u0930\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f<\/strong> \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-115a47c6e954146d07ad2d247bac44b5\" 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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%A4%E0%A5%8D%E0%A4%B5\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u092e\u0939\u0924\u094d\u0924\u094d\u0935<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924\u0940\u092f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u093e\u0930\u094d\u092f\u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0909\u0928\u0915\u0940 \u0915\u0941\u091b \u092a\u094d\u0930\u092e\u0941\u0916 \u092d\u0942\u092e\u093f\u0915\u093e\u0913\u0902 \u0915\u094b \u0928\u093f\u092e\u094d\u0928 \u092a\u094d\u0930\u0915\u093e\u0930 \u0938\u0947 \u0926\u0947\u0916\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928<\/strong>: \u0938\u092e\u093e\u091c \u0915\u0947 \u0909\u0928 \u0935\u0930\u094d\u0917\u094b\u0902 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u093e, \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0916\u093e\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u0948 \u092f\u093e \u091c\u093f\u0928\u0915\u0947 \u092a\u093e\u0938 \u0915\u092e \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0901 \u0939\u0948\u0902, \u0935\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0928\u0947 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u090b\u0923 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0906\u0938\u093e\u0928\u0940<\/strong>: \u0935\u0947 \u0905\u092a\u0928\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u0924\u093f\u0938\u094d\u092a\u0930\u094d\u0927\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u092a\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0924\u0915 \u0906\u0938\u093e\u0928 \u092a\u0939\u0941\u0902\u091a \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u092c\u091a\u0924 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0928\u093e: \u0935\u0947 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u0947 \u0905\u0928\u0941\u0930\u0942\u092a \u091c\u092e\u093e \u0916\u093e\u0924\u0947 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0915\u0947 \u092c\u091a\u0924 \u0915\u0940 \u0906\u0926\u0924\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u094b\u0924\u094d\u0938\u093e\u0939\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0935\u093f\u0915\u093e\u0938<\/strong>: \u092f\u0947 \u092c\u0948\u0902\u0915 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u0922\u0902\u0917 \u0938\u0947 \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0915\u0943\u0937\u093f \u0914\u0930 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u093f\u0924 \u0915\u0930\u0915\u0947 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0935\u093f\u0915\u093e\u0938 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0935\u093f\u0915\u093e\u0938<\/strong>: \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0915\u093f\u0938\u093e\u0928\u094b\u0902, \u091b\u094b\u091f\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0914\u0930 \u0928\u093f\u092e\u094d\u0928-\u0906\u092f \u0935\u093e\u0932\u0947 \u0918\u0930\u094b\u0902 \u0915\u0940 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u091c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u093e\u0915\u094d\u0937\u0930\u0924\u093e \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0928\u093e<\/strong>: \u092f\u0947 \u092c\u0948\u0902\u0915 \u092a\u094d\u0930\u093e\u092f: \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u093e\u0915\u094d\u0937\u0930\u0924\u093e \u0936\u093f\u0915\u094d\u0937\u0915 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0936\u0915\u094d\u0924 \u092c\u0928\u093e\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0941\u0935\u093f\u0927\u093e\u0913\u0902 \u0938\u0947 \u0935\u0902\u091a\u093f\u0924 \u0935\u0930\u094d\u0917\u094b\u0902 \u0924\u0915 \u0938\u0902\u0938\u094d\u0925\u093e\u0917\u0924 \u090b\u0923 \u0915\u0940 \u0906\u0938\u093e\u0928 \u092a\u0939\u0941\u0901\u091a \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u0915\u0930\u0915\u0947, <strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 <\/strong>\u0926\u0947\u0936 \u0915\u0947 \u0938\u093e\u092e\u093e\u091c\u093f\u0915-\u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0909\u0928\u0915\u0940 \u092d\u0942\u092e\u093f\u0915\u093e \u091b\u094b\u091f\u0947 \u0909\u0926\u094d\u092f\u094b\u0917\u094b\u0902, \u0938\u094d\u0935\u0930\u094b\u091c\u0917\u093e\u0930 \u0914\u0930 \u0909\u0928 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0928\u0947 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u0928\u0940 \u0939\u0941\u0908 \u0939\u0948 \u091c\u094b \u092c\u0921\u093c\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0915\u0920\u094b\u0930 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0928\u0939\u0940\u0902 \u0915\u0930 \u092a\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0926\u0947\u0936 \u0915\u0947 \u092c\u0926\u0932\u0924\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0914\u0930 \u0924\u0915\u0928\u0940\u0915\u0940 \u092a\u0930\u093f\u0926\u0943\u0936\u094d\u092f \u0915\u0947 \u0938\u093e\u0925, \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0914\u0930 \u0936\u0939\u0930\u0940 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u094b \u0938\u0936\u0915\u094d\u0924 \u092c\u0928\u093e\u0928\u0947 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e \u0939\u0948, \u091c\u094b \u0938\u092e\u093e\u0935\u0947\u0936\u0940 \u0935\u093f\u0915\u093e\u0938 \u0914\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u0915\u0947 \u092d\u093e\u0930\u0924 \u0915\u0947 \u090f\u091c\u0947\u0902\u0921\u0947 \u0915\u094b \u0906\u0917\u0947 \u092c\u0922\u093c\u093e\u090f\u0917\u093e\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-b56217cc1a67c2517fa04706509f42f5\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97_%E0%A4%B5%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%A8_%E0%A4%B8%E0%A4%82%E0%A4%B6%E0%A5%8B%E0%A4%A7%E0%A4%A8_%E0%A4%85%E0%A4%A7%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE_2020\"><\/span><strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 (\u0938\u0902\u0936\u094b\u0927\u0928) \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 2020<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0915\u0941\u091b UCBs, \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0938\u0902\u0915\u091f\u094b\u0902 \u0915\u0947 \u092e\u0926\u094d\u0926\u0947\u0928\u091c\u0930, \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1949 \u0915\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 (\u0938\u0902\u0936\u094b\u0927\u0928) \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 2020 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u0902\u0936\u094b\u0927\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e\u0964 \u0907\u0938\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0938\u092d\u0940 UCBs \u0914\u0930 \u092c\u0939\u0941-\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0915\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u092e\u0947\u0902 \u0932\u093e\u0928\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-dda6e4e3389a4239e2c5aef2e29ab5f2\" style=\"color:#015aa7\"><span class=\"ez-toc-section\" id=\"%E0%A4%85%E0%A4%A7%E0%A4%BF%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE_%E0%A4%95%E0%A5%80_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AE%E0%A5%81%E0%A4%96_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7%E0%A4%A4%E0%A4%BE%E0%A4%8F%E0%A4%81\"><\/span><strong>\u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092a\u0939\u0932\u0947, \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b <strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e, 1949 <\/strong>\u0915\u0947 \u0915\u0908 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928\u094b\u0902 \u0938\u0947 \u091b\u0942\u091f \u0926\u0940 \u0917\u0908 \u0925\u0940\u0964 2020 \u0915\u093e \u0938\u0902\u0936\u094b\u0927\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0907\u0928\u092e\u0947\u0902 \u0938\u0947 \u0915\u0941\u091b \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928\u094b\u0902 \u0915\u094b \u0909\u0928 \u092a\u0930 \u0932\u093e\u0917\u0942 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u093e \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0947 \u0924\u0939\u0924 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0938\u092e\u093e\u0928 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f <strong>\u092a\u094d\u0930\u092c\u0902\u0927\u0928, \u092a\u0942\u0902\u091c\u0940, \u0911\u0921\u093f\u091f \u0914\u0930 \u0938\u092e\u093e\u092a\u0928<\/strong> \u0915\u0947 \u0938\u0902\u092c\u0902\u0927 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u092a\u0930 RBI \u0928\u093f\u092f\u093e\u092e\u0915 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0915\u0930\u0928\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>RBI \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0905\u0927\u094d\u092f\u0915\u094d\u0937 \u0915\u0940 \u0938\u0947\u0935\u093e \u0915\u0947 \u0932\u093f\u090f \u0936\u0930\u094d\u0924\u094b\u0902 \u0914\u0930 \u092f\u094b\u0917\u094d\u092f\u0924\u093e\u0913\u0902 \u0915\u094b \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 (\u092a\u0939\u0932\u0947, \u092f\u0939 \u0915\u0947\u0935\u0932 \u092c\u0939\u0941-\u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u0940 \u0925\u093e\u0964)\n<ul class=\"wp-block-list\">\n<li>RBI \u0910\u0938\u0947 \u0905\u0927\u094d\u092f\u0915\u094d\u0937 \u0915\u094b \u0939\u091f\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u091c\u094b \u2018\u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0914\u0930 \u092f\u094b\u0917\u094d\u092f\u2019 \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u090f\u0915 \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u094b \u0928\u093f\u092f\u0941\u0915\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0939 \u092f\u094b\u0917\u094d\u092f \u0938\u0926\u0938\u094d\u092f\u094b\u0902 \u0915\u0940 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0938\u0902\u0916\u094d\u092f\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0926\u0947\u0936\u0915 \u092e\u0902\u0921\u0932 \u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u0917\u0920\u0928 \u0915\u0947 \u0928\u093f\u0930\u094d\u0926\u0947\u0936 \u091c\u093e\u0930\u0940 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>RBI \u0930\u093e\u091c\u094d\u092f \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0938\u0947 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0928\u093f\u0926\u0947\u0936\u0915 \u092e\u0902\u0921\u0932 \u0915\u094b \u0915\u094b \u092d\u0902\u0917 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u092f\u0939 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0915\u094b \u091c\u0928\u0939\u093f\u0924 \u092e\u0947\u0902 \u0915\u093f\u0938\u0940 \u092c\u0948\u0902\u0915 \u0915\u093e \u0935\u093f\u0932\u092f \u092f\u093e \u092a\u0941\u0928\u0930\u094d\u0917\u0920\u0928 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u093e \u0939\u0948, \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u0925\u0917\u0928 (moratorium) \u0906\u0926\u0947\u0936 \u0926\u0947\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0938\u094d\u0925\u0917\u0928 \u0906\u0926\u0947\u0936 \u0928 \u0915\u0947\u0935\u0932 \u091c\u092e\u093e\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u094b \u0938\u0940\u092e\u093f\u0924 \u0915\u0930 \u0926\u0947\u0924\u093e \u0939\u0948 \u092c\u0932\u094d\u0915\u093f \u092c\u0948\u0902\u0915 \u0915\u0947 \u090b\u0923 \u0938\u0902\u091a\u093e\u0932\u0928 \u0915\u094b \u092d\u0940 \u092c\u093e\u0927\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li>\u092a\u0939\u0932\u0947, RBI \u0915\u094b \u0915\u093f\u0938\u0940 \u092d\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0915\u091f \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930 \u0930\u0939\u0947 \u092c\u0948\u0902\u0915 (stressed banks) \u0915\u0947 \u0932\u093f\u090f \u092a\u0941\u0928\u0930\u0941\u0926\u094d\u0927\u093e\u0930 \u092f\u094b\u091c\u0928\u093e \u0924\u0948\u092f\u093e\u0930 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0909\u0938\u0947 \u0938\u094d\u0925\u0917\u0928 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0930\u0916\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0925\u093e\u0964 \u0938\u094d\u0925\u0917\u0928 \u0905\u0935\u0927\u093f \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0915\u094b\u0908 \u0915\u093e\u0928\u0942\u0928\u0940 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u092a\u094d\u0930\u093e\u0930\u092e\u094d\u092d \u0928\u0939\u0940\u0902 \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0925\u0940\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u0905\u092c \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u0932\u0947\u0916\u093e \u092a\u0930\u0940\u0915\u094d\u0937\u0923 \u0905\u0928\u0941\u0938\u0942\u091a\u093f\u0924 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u0938\u092e\u093e\u0928 \u0938\u094d\u0924\u0930 \u092a\u0930 \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0917\u093e\u0964<\/li>\n\n\n\n<li>\u092a\u0930\u093f\u0938\u092e\u093e\u092a\u0928 \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0915\u0941\u091b \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u0914\u0930 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u0930\u093f\u0938\u092e\u093e\u092a\u0928 \u0915\u0940 \u0915\u093e\u0930\u094d\u092f\u0935\u093e\u0939\u0940 \u0915\u0947 \u0924\u094d\u0935\u0930\u093f\u0924 \u0928\u093f\u092a\u091f\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0936\u0947\u0937 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u0905\u092c \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u092a\u0930 \u0932\u093e\u0917\u0942 \u0939\u094b\u0902\u0917\u0947\u0964<\/li>\n\n\n\n<li>\u092f\u0939 \u0938\u0902\u0936\u094b\u0927\u0928 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u0915\u093e\u0928\u0942\u0928\u094b\u0902 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0930\u093e\u091c\u094d\u092f \u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u093e\u0930\u094b\u0902 \u0915\u0940 \u092e\u094c\u091c\u0942\u0926\u093e \u0936\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0939 \u0938\u0902\u0936\u094b\u0927\u0928 \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0915\u0943\u0937\u093f \u090b\u0923 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 (PACS) \u092f\u093e \u0909\u0928 \u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u092a\u0930 \u0932\u093e\u0917\u0942 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u093f\u0928\u0915\u093e \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0914\u0930 \u092e\u0941\u0916\u094d\u092f \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0943\u0937\u093f \u0935\u093f\u0915\u093e\u0938 \u0915\u0947 \u0932\u093f\u090f \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0935\u093f\u0924\u094d\u0924 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-43b21c712d8b97b70cc86f3b077c1dfc\" 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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%AA%E0%A4%B0_%E0%A4%B8%E0%A4%BE%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A5%8D%E0%A4%AF%E0%A4%A4_%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_FAQs\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u092a\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924: \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928 (FAQs)<\/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-1713955477470\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A4%B9%E0%A4%B2%E0%A4%BE_%E0%A4%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%95%E0%A5%8C%E0%A4%A8_%E0%A4%B8%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>\u092d\u093e\u0930\u0924 \u0915\u093e \u092a\u0939\u0932\u093e \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0915\u094c\u0928 \u0938\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092a\u0939\u0932\u093e \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0905\u0928\u094d\u092f\u094b\u0928\u094d\u092f\u093e \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 (Anyonya Co-operative Bank) \u0925\u093e, \u091c\u093f\u0938\u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0935\u0930\u094d\u0937 1889 \u092e\u0947\u0902 \u0935\u0921\u094b\u0926\u0930\u093e, \u0917\u0941\u091c\u0930\u093e\u0924 \u092e\u0947\u0902 \u0939\u0941\u0908 \u0925\u0940\u0964 \u092f\u0939 \u0905\u092c \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1713955486258\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><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%B8%E0%A4%B9%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%8B_%E0%A4%95%E0%A5%8C%E0%A4%A8_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%82%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A4%BF%E0%A4%A4_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0915\u094c\u0928 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915, \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0930\u093e\u091c\u094d\u092f \u092f\u093e \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 \u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u093e\u0930 \u0915\u0947 \u0926\u094b\u0939\u0930\u0947 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u092e\u0947\u0902 \u0906\u0924\u0947 \u0939\u0948\u0902\u0964 \u091c\u0939\u093e\u0901 RBI \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0939\u0932\u0941\u0913\u0902 \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u0935\u0939\u0940\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u0938\u092e\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0930\u091c\u093f\u0938\u094d\u091f\u094d\u0930\u093e\u0930 \u0907\u0928 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928-\u0938\u0902\u092c\u0902\u0927\u0940 \u092a\u0939\u0932\u0941\u0913\u0902 \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u092d\u093e\u0930\u0924\u0940\u092f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0930\u093f\u0926\u0943\u0936\u094d\u092f \u092e\u0947\u0902 \u0938\u0939\u0915\u093e\u0930\u0940 \u092c\u0948\u0902\u0915 \u0905\u092a\u0928\u0940 \u0905\u0935\u0927\u093e\u0930\u0923\u093e \u0914\u0930 \u0915\u093e\u0930\u094d\u092f\u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u090f\u0915 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0938\u094d\u0925\u093e\u0928 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n","protected":false},"author":9,"featured_media":7527,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83],"tags":[86],"class_list":["post-7513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-83","tag---3"],"_links":{"self":[{"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/posts\/7513","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=7513"}],"version-history":[{"count":6,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/posts\/7513\/revisions"}],"predecessor-version":[{"id":7560,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/posts\/7513\/revisions\/7560"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/media\/7527"}],"wp:attachment":[{"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/media?parent=7513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/categories?post=7513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nextias.com\/blog\/wp-json\/wp\/v2\/tags?post=7513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}