Académique Documents
Professionnel Documents
Culture Documents
CLERK-VII-2017
gh^mJr g§ñWmAm| _|
{b{nH$s` g§dJ© W¥J
Am°ZbmBZ narjm (CWE) W… ¥ <nH gyMZm nwpñVH$m
I. ¤¸‹`œ
©{…* ¤ÈyLÛ[ ©∂ <W¥ x[¤R… gh^mJr ~¢H$m| _| {b{nH$s` g§dJ© H$s ^Vu Ho$ {bE CWE (Am°ZbmBZ) W…¥ <nH ©{[‹… <∆‚[¤R W…¥ ¤ÈvœbM‹ {…* x[∆…uR <W¥œ[ $
ë. <ˆy Am°ZbmBZ ¤‹∏√[ {…* x[¤ Æ∂l> ‹©… ©∂* zyy… yrÆr<ÕÛ <∆<gL ¤©nbx[…* Ûs[ yrÆr<ÕÛ {[{n[…* W…¥ Æ[‹… {…* {©›∆¤q‰„ xRbu…Ò Êy ¤b˘◊ÛW¥[ {…* <uH
EH ©∂* $ CÎmam| W¥J ˆ[r` Am°ZbmBZ W¥J ˆ[HE∏ xÛ# x[¤ zM‹ uÒ[„R… W…¥ xRbu…Ò[…* W¥[… Gœ[R¤q∆„W¥ ¤’…* $ x[¤W¥[… yn[© u∏ ˆ[Û∏ ©∂ <W¥ Êy
¤b˘◊ÛW¥[ W¥[… Gœ[R¤q∆„W¥ ¤’…* Zœ[…*<W¥ œ© x[¤W¥[… ¤‹∏√[ W¥J Û∂œ[‹∏ W¥‹R… W…¥ <nH y©[œÛ[ W¥‹…E∏ $
í. Am°ZbmBZ ¤‹∏√[ {…* Æ∂l>R… y… ¤q∆„ x[¤W¥[… ¤q‰„ Ì¥¤ y… yb<R˘∞`Û W¥‹ n…R[ `[¸©H <W¥ x[¤ {dkmnZ {…* <RÕ[„¸‹Û ¤[ÓÛ[ W…¥ {[Rur~>[…* W¥[… yg∏ ¤ÈW¥[‹
y… ¤q‹[ W¥‹Û… ©∂* $
ì. H¥$n`m ZmoQ> H$a| {H$ `h EH$ à{V`mo{JVmË_H$ narjm h¡ Am¡a Bg_| CÎmrU© hmoZm hr n`m©ßV Zht Ÿ& AmJo H$s M`Z à{H«$`m Ho$ {bE nmÌVm àmßV H$aZo Ho$ {bE
AmnH$mo _o[aQ> gyMr _| CÀM ñWmZ àmßV H$aZm hmoJm Ÿ& AV… narjm Ho$ {bE Amn nyar _ohZV H$a| Ÿ&
ë. R[…Â> W¥‹R… œ[…iœ Æ[Û…* # W°¥¤œ[ Æbn[∆[ ¤Ó ¤‹ <uœ… ©´H x¤R… narjmWu H«$_m§H$, ¤‹∏√[ Û[‹∏Ã, [anmo{Q>ªJ y{œ Ûs[ ◊s[R W¥[… Gœ[R¤q∆„W¥ R[…Â> W¥‹
n…* $ W°¥¤œ[ œ© g∏ R[…Â> W¥‹…* <W¥ œ© Æbn[∆[ ¤Ó {H$gr ^r gh^mJr g§ñWmAm| _[‹[ ‹[…ˆE[‹ u…R… W¥[ ¤È◊Û[∆ R©∏* ©∂ $
í. z¤˘◊s<Û W¥J ¤[ÆNu∏ # x[¤W¥[… `[<©H <W¥ x[¤ Æbn[∆[ ¤Ó {…* <uœ… Eœ… y{œ y… ¤©n… ¤‹∏√[ g∆R {…* z¤˘◊sÛ ©[… ˆ[œ…* $ [anmo{Q>ªJ g_` Ho$
30 {_ZQ> ~mX AmZo dmbo z»{∏u∆[‹[…* W¥[… ¤‹∏√[ g∆R {…* ¤È∆…Ò W¥J xRb{<Û R©∏* u∏ ˆ[œ…E∏ $ Bg g§~§Y _| {H$gr ^r ~mV na {dMma Zht {H$`m OmEJm &
ì. Æbn[∆[ ¤Ó ˆ{[ W¥‹R[ # narjm XoZo Ho$ {bE ¤‹∏√[ W…¥Nfi ¤‹ AmVo g_` Bg Æbn[∆[ ¤Ó Ho$ gmW AnZr \$moQ>mo nhMmZ Ho$ à_mU _yb ê$n
_| Am¡a gmW _| \$moQ>moH$mnr AnZo gmW Adí` bmE| & Æb n [∆[ ¤Ó R bmZo `m \$moQ>mo nhMmZ Ho$ à_mU _yb én _| Am¡a gmW _|
\$moQ>moH$mnr Z bmZo W¥J ˘◊s<Û {…* x[¤W¥[… ¤‹∏√[ {…* Æ∂l>R… W¥J xRb{<Û R©∏* u∏ ˆ[œ…E∏ $ Gœ[R ‹©… AmnH$mo ¤‹∏√[ H$j {…* <R‹∏√W¥ W…¥ y{√
~wbmdm nÌ na {XE JE g§~{§ YV ñWmZ na AnZo ~m`| A§JRy >o H$m {ZemZ ñnï> ê$n go bJmZm h¡ Am¡a hñVmja ñnï> ê$n go H$aZo h¢Ÿ $ ¤‹∏√[ H$j {…* <R‹∏√W¥
ˆÆ z»{∏u∆[‹[…* y… Æbn[∆[ ¤Ó HW¥<ÓÛ W¥‹Û[ ©∂ ÛÆ AnZo Æbn[∆[ ¤Ó Ho$ gmW AnZr \$moQ>mo nhMmZ Ho$ à_mU H$s \$moQ>moH$mnr R>rH$
àH$ma ñQ>onb H$a Ho$ zy… y[r ∂ ¤ ur … $
î. xRbu…Ò[…* W¥[ ¤[nR W¥‹R[ # AmnH$mo narjm XoZo Ho$ {bE ~wbm`m J`m h¡ Bg {bE ¤‹∏√[ W…¥ u[∂‹[R ¤‹∏√[ ¤ÈÒ[yW¥[…* Ûs[ <R‹∏√W¥[…* _[‹[ u∏ EÊ„
<©u[œÛ[…* W¥[ x[¤W¥[… ¤‹∏√[ W…¥ yg∏ ◊Û‹[…* ¤‹ A{V gVH©$Vm go ¤[nR W¥‹R[ ©[…E[ $ xE‹ x[¤R… ÊR <©u[œÛ[…* W¥[ zÎnr≈R <W¥œ[ Û[… x[¤W¥[…
xœ[…iœ ≈[…<≠Û W¥‹ <uœ[ ˆ[œ…E[ Ûs[ x[¤W¥[… ¤‹∏√[ g∆R y… `n… ˆ[R… W…¥ <nH g∏ W¥©[ ˆ[ yW¥Û[ ©∂ $
H$moB© ^r ñQ>eo Zar AmBQ>_ O¡go nmR>ç gm_J«r (_wÐrV `m {b{IV), H$mJO Ho$ Qw>H$‹S>o Á`m_oQ>´ r/n|{gb ~m°Šg, ßbmpñQ>H$ nmCM, H¡$bHw$boQ>a, ñHo$b, amBqQ>J
n¡S>, noZ S´>mBd, bm°J Q>~o b, BboŠQ´>m{° ZH$ noZ/ñH¡$Za Ÿ& H$moB© ^r g§Mma CnH$aU O¡go _mo~mBb \$moZ, ãbyQ>y W, B©`a\$moZ, _mBH«$mo\$moZ, noOa, hoëW ~¢S> Am{X
Ÿ& AÝ` dñVwE§ O¡go Jm°Jëg, h¢S>~J¡ , ho`a-{nZ, ho`a-~¢S>, ~oëQ>, Q>mno r, H$moB© ^r K‹S>r/hmW-K‹S>r, H¡$_am, YmVw H$s H$moB© ^r dñVw, Iwbr hþB© `m n¡H$ H$s JB©
H$moB© ^r ImÚ gm_J«r, nmZr H$s ~moVbo Ÿ& Eogr H$moB© ^r AÝ` dñVw, {OgH$m BñVo_mb H¡$_am, ã`yQ>y W CnH$aUm| Am{X O¡go g§Mma CnH$aUm| H$mo {N>nmZo Ho$ {bE
AZw{MV gmYZm| hoVw {H$`m Om gHo$ Ÿ&
g^r Am^yfU O¡go A§JyR>r, ~m{b`m§, ZmoµO-{nZ, MoZ/ZoH$bog, n|S>|Q>, ~¡O, ~«moM Am{X H$s AÀN>r Vah go Om§M H$s Om`oJr & ˆ[… z»{∏u∆[‹ RW¥n W¥‹Û…
xs∆[ y©[œÛ[ W¥‹Û… œ[ y©[œÛ[ n…Û… ¤[œ[ ˆ[HE[ zy… xœ[…iœ ≈[…<≠Û W¥‹ <uœ[ ˆ[œ…E[ $
7 . boIZ gm_J«r H$m ¤Èœ[…E # narjm Ho$ g_` x[¤ x¤R… y[s Æ[n •∆[ÊrÂ> ¤…R, nopÝgb Am¡a a~‹S> x∆∞œ bmE§>Ÿ&
2
8 . W¥c`[ W¥[œ„ ¤b˘◊ÛW¥[ ¤‹ W¥‹R[ # x[¤ yg∏ x[∆∞œW¥ W¥c`[ W¥[œ„ {XE JE H$mJO na H$a|Ÿ&
x[¤W¥[… `[<©H <W¥ W¥{‹[ N>mo‹S>R… y… ¤©n… H$ÀMo H$m_ Ho$ {bE {X`m J`m H$mJO <R‹∏√W¥ W¥[… y[∂*¤ u…* $
9 . œ[Ó[ gM[ R©∏* <uœ[ ˆ[HE[ # ¤‹∏√[ W…¥ yrÆrÕ {…* œ[Ó[ gM[ œ[ xNœ Ã`…„ R©∏* <uH ˆ[HÀE… $
10. narjm Ho$ g§MmbZ _| {H$gr g_ñ`m H$s g§^mdZm go nyar Vah BZH$ma Zht {H$`m Om gH$Vm h¡ {OgH$s dOh go [aOëQ> H$mo OZaoQ> H$aZm Am¡a/`m gwnwX©
H$aZm à^m{dV hmo gH$Vm h¡ Ÿ& Bg dmaXmV Ho$ ~mX nyam à`mg {H$`m OmEJm {H$ g_ñ`m H$m g_mYmZ hmo OmE {Og_| `{X Amdí`H$ hþAm Vmo Xygar narjm
H$m g§MmbZ {H$`m OmZm ^r em{_b hmoJm Ÿ&
2 . ˆÆ x[¤W¥[… ¤ar√[ àmaå^ W¥‹R… W¥[ yrW…¥Û <uœ[ ˆ[œ… Û[… ◊Wq¥n/W¥[ºn…ˆ/<∆∞∆<∆∑[nœ W¥J ¤‹∏√[x[…* W¥J Û‹© yg∏ ¤È∞R ¤’R… {…* x¤R[ y{œ
R˝> {Û W¥J<ˆH $ œ… ¤È∞R ∆◊Ûb<R˛> ¤ÈW¥[‹ W…¥ ©∂*, xÛ# x[¤ HW¥-HW¥ ¤È∞R W¥[… y[∆Õ[R∏ y… ¤’W¥‹ Ûb‹NÛ zyW…¥ zM‹ uÒ[„ u∏<ˆH $ œ<u x[¤W¥[…
W¥[…Ê„ ¤È∞R W¥<l>R nEÛ[ ©∂ Û[… zy ¤‹ y{œ R˝> {Û W¥J<ˆH $ zy… Ú>[…AW¥‹ xEn… ¤È∞R W¥[ zM‹ u∏<ˆœ… $ Ú>[…A… EH {b˘∞W¥n ¤È∞R[…* W¥[… yÆy… xNÛ
{…*, œ<u y{œ Æ`…, Û[… ©n <W¥œ[ ˆ[ yW¥Û[ ©∂ $
3 . œ© x[¤W…¥ <©Û {…* ©∂ <W¥ Am°ZbmBZ àma§{^H$ narjm _| <uœ… ©´H y{œ {…* y… yg∏ ¤È∞R[∆<nœ[…* W…¥ <nH z<`Û y{œ u…* $ <W¥y∏ HW¥ ¤È∞R[∆n∏ {…* Æ©´Û
x<ÕW¥ y{œ nE[R[ z<`Û R©∏* ©[…E[ Zœ[…*<W¥ Êyy… xNœ ¤È∞R[∆<nœ[…* W…¥ <nH W¥{ y{œ Æ`…E[ $
3
{©Îd¤q ‰ „
Am° Z bmBZ narjm (àma§ { ^H$/_w » `) Ho $ g_` `m ~mX _| M`Z à{H« $ `m Ho $ Xm¡ a mZ, `{X Cå_rXdma {ZåZ {b{IV H$m Xmo f r hmo (`m
`m nm`m J`m
hmo )-
(ii) {H$gr H$m h_eŠb ~Z Ho $ AmE `m {H$gr H$mo AnZm h_eŠb ~Zm Ho $ ^o O o `m
(iii) narjm H$j _| Xw ì `© d hma H$ao `m narjm H$s gm_J« r `m CgH$s {H$gr AÝ` OmZH$mar H$mo _m¡ { IH$ {b{IV {H$gr ^r ê$n _| ,
Bbo Š Q´ > m° { ZH$br `m _H¡ $ {ZH$br {H$gr ^r CÔo í ` go , ny U © V `m `m A§ e V… àH$Q> H$aZo , àH$m{eV H$aZo , nw Z : àñVw V H$aZo , Q´ > m§ g {_Q>
H$aZo , ñQ>mo a H$aZo `m CgHo $ Q´ > m§ g {_eZ Am¡ a ñQ>mo a o O H$mo gw J _ ~ZmE `m
(iv) M`Z Ho $ {bE CgH$s Cå_rXdmar Ho $ g§ ~ § Y _o § A{Z`{_V `m AZw { MV gmYZm| H$m ghmam bo `m
(vi) narjm/gmjmËH$ma hmb _| _mo ~ mBb \$mo Z `m g§ M ma Ho $ Bbo Š Q´ > m° { ZH$ CnH$aU bmE, Vmo Eo g m Cå_rXdma Amnam{YH$ A{^`mo O Z
H$m ^mJr Am¡ a {ZåZ{b{IV H$m ^mJr hmo J m …
(A) Cg narjm _| A`mo ½ ` R>ham {X`m OmEJm, {OgH$m dh Cå_rXdma hmo Ÿ&
(~) AmB© . ~r. nr. Eg. Ûmam br OmZo dmbr {H$gr narjm Ho $ {bE `m Vmo h_o e m Ho $ {bE `m {d{Z{X© ï > Ad{Y Ho $ {bE {dd{O© V
H$a {X`m OmEJm &
ghr d JbV CÎmam| Ho$ n¡Q>Z© _| g_mZVm W¥[ ¤Û[ nE[R… W… ¥ <nH x[B© .Æ∏.¤∏.Hy. z»{∏u∆[‹ W… ¥ ¤È v œb M ‹[… * W¥[ ¤‹∏√[ {… * y˘»{<nÛ xNœ
z»{∏u∆[‹[… * W… ¥ y[s <∆∞n… ≠ ‰ W¥‹… E [ $ `{X Bg g§~§Y _| AmB©. ~r. nr. Eg Ûmam AnZmB© JB© {díbofUmË_H$ à{H«$`m _| œ© AZw_mZ bJVm/
{ZîH$f© {ZH$bVm ©∂ <W¥ ¤ÈvœbM‹[…* {…* y©g[<EÛ[ W¥J EÊ„ ©∂ x[∂‹ ¤È[•Û A§H$ ∆[◊Û<∆W¥/d¡Y R©∏* ©§∂ Û[… AmB©. ~r. nr. Eg [~Zm H$moB© H$maU ~VmE Eogo
Cå_rXdmam| (A`mo½` R>hamE JE) H$s z»{∏u∆[‹∏ ‹u¨ u W¥‹R… W¥[ x<ÕW¥[‹ x[‹<√Û ‹ÃÛ[ ©∂ $
AmnH$mo {ZåZ gyMr~Ô XñVmdoOm| Ho$ {~Zm Am°ZbmBZ narjm _| ~¡R>Zo Zht {X`m OmEJm Ÿ&
(i) Æbn[∆[ ¤Ó ¤‹ ©[n ©∏ {…* <Ãr`[œ[ ©´x[ ¤[y¤[…Â>„ x[W¥[‹ W¥[ x¤R[ \¥[…Â>[… ({Ogo Am°Z bmBZ AßbrHo$eZ \$m_© na AnbmoS>
{H$E O¡gm hr hmoZm Mm{hE) <`¤W¥[Hr $
(ii) \$moQ>mo bJm nhMmZ H$m à_mU _yb ê$n _| Am¡a gmW _| \$moQ>moH$mnr Ÿ&
4
IV. Am°ZbmBZ ¤‹∏√[
&. Am°ZbmBZ àma§{^H$ narjm …
àma§{^H$ narjm {Og_| Am°ZbmBZ dñVw{ZîR narjm 100 A§H$ H$s hmoJr Ÿ& `h narjm 1 K§Q>o H$s hmoJr Am¡a {ZåZmZwgma 3 IÊS> hm|Jo Ÿ…
H«$. g§. àíZmdbr H$m Zm_ àíZ H$s g§»`m A{YH$V_ A§H$ Ad{Y
1. A§JO
o« r ^mfm 30 30
2. Am§{H$H$ j_Vm 35 35 1 KÊQ>o H$m
g_J« g_`
3. VH©$epŠV j_Vm 35 35
Hw $ b 100 100
Cå_rXdmamo§ H$mo àË`ooH$ àíZmdbr _| {ZYm©[aV H$Q>-Am°\$ A§H$m| Ho$ AZwgma àË`oH$ àíZmdbr _| CÎmrU© hmoZm hmoJm Ÿ& àË`oH$ Cå_rXdma H$mo àË`oH$ àíZmdbr _|
Am¡a Hw$b A§H$m|, `{X Amdí`H$ hþAm Vmo, _| go Ý`yZV_ A§H$ boZo hm|Jo Vm{H$ Cgo _w»` narjm _| em°Q>©{bñQ> H$aZo na {dMma {H$`m Om gHo$ Ÿ& CnbãY [apŠV`m|
H$s g§»`m na {Z^©a H$aVo hþE H$Q> Am°\$ V` H$s OmEJr Am¡a Cå_rXdmam| H$mo _w»` narjm hoVw em°Q>{© bñQ> {H$`m OmEJm Ÿ& VWm{n, Bg g§~Y§ _| AmB©. ~r. nr. Eg.
H$m {ZU©` Aä`{W©`m| Ho$ {bE A§{V_ Am¡a g§~§YH$mar hmoJm Ÿ&
Ÿ&&. Am°ZbmBZ _w»` narjm …
_w»` narjm {Og_| Am°ZbmBZ dñVw{ZîR narjm 200 A§H$m| H$s hmoJr Ÿ& Bg narjm H$m Hw$b g_` 160 {_ZQ> H$m hmoJm &
WÈ¥. ¤È∞R[∆n∏ W¥[ R[{ ¤È∞R[…* W¥J x<ÕW¥Û{ xrW¥ narjm H$m àË`oH$ narjm Ho$ {bE Am~§{Q>V
yr . (AZwH«$_ _| Zht) §Ô œ[
yÔœ[ _mÜ`_ g_` (n¥WH$ g_`)
1. gm_mÝ` / {dÎmr` OmJê$H$Vm 50 50 A§J«oOr Ed_² {hÝXr 35 {_ZQ>
Cå_rXdmamo§ H$mo àË`ooH$ àíZmdbr _| {ZYm©[aV H$Q>-Am°\$ A§H$m| Ho$ AZwgma àË`oH$ àíZmdbr _| CÎmrU© hmoZm hmoJm Ÿ& àË`oH$ Cå_rXdma H$mo àË`oH$ àíZmdbr _|
Am¡a Hw$b A§H$m| _| go Ý`yZV_ A§H$ boZo hm|Jo Vm{H$ Cgo AZ§{V_ Am§~Q>Z Ho$ {bE {dMma {H$`m Om gHo$ Ÿ& VWm{n, Bg g§~§Y _| AmB©. ~r. nr. Eg. H$m {ZU©`
Aä`{W©`m| Ho$ {bE A§{V_ Am¡a g§~Y§ H$mar ahoJm Ÿ&
xE‹ x[¤ ∆◊Ûb<R·l> ¤È∞R[∆<nœ[…* {…* EnÛ zM‹ u…*E… Û[… ur~> ◊∆Ì¥¤ x[¤W…¥ xrW¥[…* {…* W¥Â>[∂Û∏ W¥J ˆ[œ…E∏ $ <W¥y∏ g∏ ¤È∞R[∆n∏ {…* ¤qÚ>… ˆ[R…
∆[n… ¤Èvœ…W¥ ¤È∞R W…¥ ¤[À` ∆∂W¥˘Î¤W¥ zM‹ <uœ… ˆ[Û… ©∂* $ H…y… <W¥y∏ g∏ ¤È∞R W…¥ <RÕ[„¸‹Û xrW¥[…* {…* y…, <ˆyW¥[ x[¤R… EnÛ zM‹ <uœ[ ©∂, ur~> W…¥ Ì¥¤
{…* HW¥ -`[∂s[Ê„ œ[ ê.. íï xrW¥ W¥[Â> <nH ˆ[œ…*E… $ xE‹ W¥[…Ê„ ¤È∞R Ã[n∏ Ú>[…A <uœ[ ˆ[Û[ ©∂, xs[„Û¨ x[¤ zyW¥[ zM‹ R©∏* u…Û… ©∂*, Û[… zy ¤È∞R W…¥
<nH xrW¥[…* {…* W¥[…Ê„ g∏ W¥Â>[∂Û∏ R©∏* W¥J ˆ[œ…E∏ $ xÛ# zM‹ u…Û… y{œ x[¤W¥[… xvœrÛ y[∆Õ[R ‹©R[ `[<©œ… $
5
Z_yZm àíZ Am°ZbmBZ àma§{^H$ Am¡a Am°ZbmBZ _w»` narjm
ZrMo Hw$N> Z_yZo Ho$ àíZ {XE JE h¢ Omo àË`oH$ àíZmdbr _| go MwZo J`o h¢ Ÿ& `o àíZ Ho$db CXmhaU Ho$ {b`o h¢, ì`mnH$ Zht Ÿ& AV… dmñV{dH$ narjm _| AmnH$mo
BZ_| go Hw$N> `m g^r àH$ma Ho$ àíZ {_b gH$Vo h¢ `m do ^r {_b gH$Vo h¢ {OZH$m CXmhaU `hm± Zht {X`m J`m h¡ Ÿ&
gm_mÝ` / {dÎmr` OmJê$H$Vm
œ© ¤È∞R[∆n∏ x[¤W¥J {dJV Ed§ dV©_mZ KQ>ZmAm|, gm_m{OH$ {dÎmr` <∆W¥[y Ho$ gmW gmW ~¢qH$J CÚmoJ _| K{Q>V KQ>ZmAm| Ho$ ~mao _| gMoVVm W…¥ {[¤R W…¥
<nœ… ©∂ $
¤È .1. <R»R<n<ÃÛ {…* y… <W¥y <∆M∏œ yr◊s[R R… ~¢H$mo Ho$ {bE x¤R… EÈ[©W¥ W¥[… ˆ[R[…* (know your customer) {Xem{ZX}e ÒbÌ¥ W¥J ©∂ ?
(ë) x[Ê„~>∏Æ∏x[Ê„ (IDBI) (í) g[.¸‹.Æ∂*. (ì) R[Æ[~>„
(î) <y~>Æ∏ (SIDBI) (ï) {XE JE {dH$ënm| H$mo N>mo‹S>H$a AÝ`
¤È .2. g[‹Û {…*, <R»R<n<ÃÛ {…* y… <W¥y √…Ó R…, ‹[ œ[…* W¥J x[œ W¥J ∆°|∏ Ûœ W¥‹R… {…*, x<ÕW¥Û{ œ[…Eu[R <uœ[ ©∂ ?
(ë) ®¥ˆ[ (í) ¤œ„Â>R (ì) y…∆[ (î) ¤¸‹∆©R (ï) W°¥<≠
¤È .3. [ŸZåZ _| go {H$g amï—r`H¥$V ~¢H$ H$m _w»`mb` _hmamï—> amÁ` _| pñWV Zht h¡ >?
(1) XoZm ~¢H (2) g|Q—>b ~¢H$ Am°\$ B§{S>`m (3) ~¢H$ Am°\$ B§{S>`m
(4) `y{Z`Z ~¢H$ Am°\$ B§{S>`m (5) `yZmB{Q>S> ~¢H$ Am°\$ B§{S>`m
¤È .4. {ZåZ{b{IV _| go H$m¡Z dV©_mZ _| ^maV H$m àYmZ_§Ìr h¡ ?
(1) S>m. E. nr. Oo. AãXwb H$bm_ (2) S>m. _Z_mohZ qgh (3) lr àU~ _wIOu
(4) lr ZaoÝÐ _moXr (5) {XE JE {dH$ënm| H$mo N>mo‹S>H$a AÝ`
A§J«oOr ^mfm / gm_mÝ` A§Jo«Or
Bg àíZmdbr H$m à`moOZ AmnHo$ A§J«oOr ^mfm kmZ H$s narjm H$aZm h¡Ÿ& ì`mH$aU, eãXmdbr, dmŠ` nyU© H$aZm, g_mZmWu, {dbmo_mWu, AZwÀN>oX H$s
~moYJå`Vm Am{X àíZm| go AmnHo$ A§J«oOr ^mfm g§~§Yr kmZ H$s narjm H$s OmEJrŸ& ZrMo Hw$N> Z_yZo Ho$ àíZ àñVwV h¢, CZH$m AÜ``Z H$a| Am¡a CÎma X|Ÿ&
{ZX}e … {ZåZ{b{IV dmŠ`m| H$mo gmW©H$ T>§J go nyU© H$aZo Ho$ {bE dmŠ`m| Ho$ ZrMo {X`o J`o eãXm| _| go Cn`wŠV eãX H$m M`Z H$a| Ÿ&
à. 5. He quickly glanced .............................. the book to find what it said about the Indian economy.
(1) at (2) through (3) in (4) to (5) over
{ZX}e … H¥$n`m àË`oH$ dmŠ` n‹T>H$a `h nVm H$a| {H$ Š`m Cg_| H$moB© ì`mH$aU g§~§Yr JbVr h¡ ? `{X H$moB© JbVr hmo Vmo dh dmŠ` Ho$ {H$gr EH$ ^mJ
_| hmoJr Ÿ& Cg ^mJ H$m H«$_m§H$ hr AmnH$m CÎma h¡ Ÿ& `{X dmŠ` _| H$moB© JbVr Zht h¡ Vmo CÎma (5) h¡ Ÿ&
à. 8. I am twenty / two years old / when I first / joined the bank. No error
(1) (2) (3) (4) (5)
Bg àíZ _| H$moB© JbVr Zht h¡ Ÿ& AV… Bg àíZ H$m R>rH$ CÎma ‘5’ h¡ Ÿ&
à. 10. Of all the teachers / in our school / our class teacher / were very strict. No error
(1) (2) (3) (4) (5)
6
{ZX}e … àË`oH$ àíZ _| {X`o J`o nm±M {dH$ënm| _| go Eogm eãX MwZ| Omo AW© H$s ÑpîQ> go ~‹S>o Ajam| _| {bIo J`o eãX Ho$ AW© Ho$ g_rn hmo &
à.11. LETHAL
(1) light (2) dangerous (3) deadly (4) cruel (5) thoughtless
à. 12. CENTENARY
(1) a guard (2) a hundred years (3) a very old man (4) hundred runs (5) hundredth anniversary
à. 13. TRIUMPH
(1) conquer (2) smash (3) earn (4) brave (5) capture
{ZX}e … àË`oH$ àíZ _| {X`o J`o nm±M {dH$ënm| _| go Eogm eãX MwZ| Omo AW© H$s ÑpîQ> go ~‹S>o Ajam| _| {bIo J`o eãX H$m {dnarVmWu hmo Ÿ&
à. 14. LIVELY
(1) simple (2) weak (3) dull (4) angry (5) moron
à. 15. INADVERTENT
(1) adequate (2) available (3) sluggish (4) negligent (5) intentional
à. 16. INEPT
(1) accurate (2) skilful (3) sensible (4) artistic (5) apt
BgHo$ A{V[aŠV AmnH$s AZwÀN>oX H$s ~moYJå`Vm H$s narjm Ho$ {bE AZwÀN>oX na AmYm[aV àíZ hm|Jo Ÿ&
VH© $ epŠV j_Vm Am¡ a H§ $ åß`y Q >a `mo ½ `Vm
`h àíZmdbr `h XoIZo Ho$ {bE h¡ {H$ Amn {H$VZr AÀN>r Vah go gmoM gH$Vo h¢ ŸAm¡a H$åß`yQ>a Ho$ gmW H$m_ H$aZo H$s AmnH$s A{^ê${M/kmZ
g§~§Yr {ZU©` boZo Ho$ {b`o ^r h¡ Ÿ& Bg_| {d{^ÝZ àH$ma Ho$ àíZ hm|Jo Ÿ& `hm± Z_yZm Ho$ V¡a na àíZ {X`o h¢ Ÿ&
{ZX}e … {ZåZ{b{IV àË`oH$ àíZ _|, nm§M Aja g_yh `m eãX {X`o J`o h¢ Ÿ& BZ_| go Mma Aja g_yhm| `m eãXm| _| {H$gr Z {H$gr àH$ma H$s g_mZVm
h¡ O~{H$ EH$ {^ÝZ h¡ Ÿ& kmV H$s{OE {H$ H$m¡Zgm EH$ {^ÝZ h¡ Ÿ&
à.17. (1) H$mbm (2) bmb (3) ham (4) a§J (5) nrbm
CŠV nm§M° m| _| ‘H$mbm’, ‘bmb’, ‘ham’ VWm ‘nrbm’ EH$ g_yh ~ZmVo h¢ Š`m|{H$ do g^r a§Jm| Ho$ Zm_ h¢ Ÿ& a§J {H$gr a§J H$m Zm_ Zht h¢ Ÿ& AV… CÎma (4) h¡ Ÿ&
A~ {ZåZ{b{IV àíZ hb H$aZo H$m à`mg H$s{OE Ÿ&
à.18. (1) BC (2) MN (3) PQ (4) XZ (5) ST
à.19. (1) Am_ (2) go~ (3) g§Vam (4) A_ê$X (5) Jwbm~
{ZX}e … ZrMo {X`o J`o àË`oH$ àíZ _| EH$ àíZ {M• bJm h¡ Ÿ& CgHo$ ZrMo {X`o J`o nm±M {dH$ënm| _| go Ho$db H$moB© EH$ hr Cg Vah Ho$ g§~§Y H$mo àH$Q>
H$aVm h¢ Omo {H$ àíZ _| … … {M• Ho$ ~m`t Amoa dmbo Xmo eãXm| _| h¡ Ÿ& ghr CÎma kmV H$s{O`oŸ&
à.20. MaU … _Zwî` … … Iwa … ?
(1) n¡a (2) Hw$Îmm (3) Kmo‹S>m (4) b‹S>H$m (5) OyVm
CŠV CXmhaU _| ‘MaU’ Am¡a ‘_Zwî`’ _| Omo g§~§Y h¡ Cgr Ho$ AZwgma ‘Iwa’ H$m ‘Kmo‹S>m’ {dH$ën go h¡, AV… AmnH$m CÎma 3 h¡ Ÿ&
A~ {ZåZ{b{IV àíZ hb H$aZo H$m à`mg H$s{OE Ÿ&
à.21. {XZ … amV … … X`mbw … ?
(1) A§Yoam (2) àH$me_mZ (3) H«y$a (4) CXma (5) H¥$VkVm
à.22. Pmon‹S>r … _hb … … IaJmoe … ?
(1) JS²>T>m (2) JmOa (3) hmWr (4) N>moQ>m (5) Myhm
A~ {ZåZ{b{IV àíZ H$m AÜ``Z H$s{OE Ÿ&
à.23. TOPS Ho$ Ajam| H$mo nwZì`©dpñWV H$aHo$ `{X O go ewé hmoZodmbm H$moB© gmW©H$ eãX ~Zm`m Om gHo$ Vmo Cg eãX H$m A§{V_ Aja AmnH$m
CÎma h¡Ÿ& `{X EH$ go A{YH$ eãX ~Z gH$Vo hm| Vmo CÎma h¡ M Am¡a `{X H$moB© eãX Z ~Z gH$Vm hmo Vmo CÎma h¡ X Ÿ&
(1) T (2) P (3) M (4) S (5) X
7
à.24. ‘Hw$N> ZoVm ~oB©_mZ hmoVo h¢ Ÿ& gË`{à` ZoVm h¡ Ÿ&’ BZ Xmo H$WZm| go {ZåZ{b{IV _| go H$m¡Z gm {ZpíMV {ZîH$f© {ZH$bVm h¡ ?
(1) gË`{à` B©_mZXma h¡ (2) gË`{à` ~oB©_mZ h¡ (3) Hw$N> ZoVm B©_mZXma hmoVo h¢
(4) ZoVm gm_mÝ`V… ~oB©_mZ hmoVo h¢ (5) gË`{à` H$^r-H$^r ~oB©_mZ hmo OmVo h¢
à.25. `{X ‘A ” B’ H$m AW© h¡ ‘A _| B OmoS>|>’, ‘A ’ B’ H$m AW© h¡ ‘A _| go B KQ>m`|>’,
‘A # B’ H$m AW© h¡ ‘A H$mo B go {d^m{OV H$a|’ Am¡a ‘A ✶ B’ H$m AW© h¡ ‘A H$m B go JwUm H$a|’; V~ {ZåZ{b{IV _| go H$m¡Zgm Xmo {XZ
Ho$ {dH«$` H$m Am¡gV h¡ O~ S1 Am¡a S2 H«$_e… nhbo Am¡a Xygao {XZ Ho$ {dH«$` h¢ ?
(1) (S1 ’ S2) # 2 (2) 2 # (S1 ” S2) (3) (S1 ” S2 # 2)
(4) (S1 ✶ S2) # (S1 ” S2) (5) {XE JE {dH$ënm| H$mo N>mo‹S>H$a AÝ`
à.26. _VXmVm Ho$ én _| a{OñQ>S>© AR>mah df© go A{YH$ Am`w H$m n«Ë`oH$ ì`{º$ _VXmZ H$a gH$Vm h¡ Ÿ& ~rg df© nyd© OÝ_m hþAm _Yw _VXmZ H$a
gH$Vm h¡ `m Zht `h nVm bJmZo H$o {bE {ZåZ{b{IV _| go Am¡a Š`m OmZH$mar Amdí`H$ h¡ Ÿ&
(&) _Yw H$s OÝ_ VmarI (&&) _Yw _VXmVm Ho$ én _| a{OñQ>S>© h¡ `m Zht.
(1) Ho$db Ÿ& (2) Ho$db Ÿ&& (3) `m Vmo Ÿ& Am¡a Ÿ&&(4) Z Vmo Ÿ& Am¡a Zhr Ÿ&& (5)Ÿ& Am¡a Ÿ&& XmoZm|
à.27. ZrMo {XE JE àË`oH$ àíZ _| Xmo H$WZ Am¡a CgHo$ ~mX Xmo {ZîH$f© Ÿ& Am¡a Ÿ&& {X`o JE h¢ Ÿ& AmnH$mo {XE JE XmoZm| H$WZm| H$mo gË` g_PZm h¡ ^bo
hr do gd©kmV VÏ`m| go _ob Z ImVo hm| Ÿ& XmoZm| {ZîH$fm] H$mo n{‹T>E Am¡a {\$a V` {H${OE {H$ {XE JE {ZîH$fm] _| go H$m¡Zgm {ZîH$f© VH©$g§JV én
go BZ XmoZm| H$WZm| H$m AZwgaU H$aVm h¡, Mmho gd©kmV VÏ` Hw$N> ^r hm| Ÿ&
H$WZ … g^r _erZ {I‹S>H$s`m§ h¡ Ÿ& g^r {I‹S>H$s`m§ ~mXb h¢ Ÿ&
{ZîH$f© … Ÿ& g^r _erZ ~mXb h¢ Ÿ&
&& g^r ~mXb _erZ h¢ Ÿ&
(1) H$moB© AZwgaU Zht H$aVm h¡ Ÿ& (2) Ho$db Ÿ& AZwgaU H$aVm h¡ Ÿ& (3) Ÿ& Am¡a Ÿ&& XmoZm| AZwgaU H$aVo h¢ Ÿ&
(4) Ho$db Ÿ&& AZwgaU H$aVm h¡ Ÿ& (5) `m Vmo Ÿ& `m Ÿ&& AZwgaU H$aVm h¡ Ÿ&
9
Am° Z bmBZ narjm Ho $ ñdén H$m {ddaU
1. Cå_rXdma H$mo bm°JBZ ñH«$sZ {XImB© nS>oJrŸ& Cå_rXdma H$mo AnZo `yOa AmB© S>r. Am¡a nmgdS>©, Omo ~wbmdm nÌ _| {X`m J`m h¡, H$m à`moJ H$aVo hþE bm°J
BZ H$aZm hmoJmŸ&
2. bm°J BZ H$aZo Ho$ ~mX, Cå_rXdma H$s àmo\$mBb (Zm_, amob Z., \$moQ>mo BË`m{X) àX{e©V H$s OmE§Jr Am¡a Cå_rXdma H$mo ‘I confirm’ ~Q>Z na pŠbH$
H$aHo$ àmo\$mBb ghr h¡ H$s nw{ï> H$aZr h¡ Ÿ&
4. Cå_rXdma H$mo AZwXoe Ü`mZ go n‹T> boZo Mm{hE Am¡a ñH«$sZ Ho$ ~m°Q>_ _| {XE JE ~m°Šg _| ‘MoqH$J’ (pŠbH$) H$aHo$ BÝh| nT> {b`m J`m {Z{X©ï> H$a XoZm
Mm{hE, CgHo$ ~mX ‘I am ready to begain’ ~Q>Z EpŠQ>doQ> hmoJmŸ&
5. ‘I am ready to begin’ ~Q>Z na pŠbH$ H$aZo Ho$ ~mX narjm H$m dmñV{dH$ g_` Ama§^ hmoJmŸ&
6. Am°ZbmBZ àma§{^H$ narjm _| 100 àíZ hm|Jo Am¡a Am°ZbmBZ _w»` narjm _| 190 àíZ hm|Jo Am¡a àË`oH$ àíZ Ho$ 5 {dH$ën hm|Jo Ÿ&
7. A§J«oOr ^mfm/gm_mÝ` A§J«oOr Ho$ àíZm| H$mo N>mo‹S>H$a eof g^r àíZ qhXr Am¡a A§J«oOr _| CnbãY hm|JoŸ& {XE JE àíZ H$mo Xygar ^mfm _| XoIZo Ho$ {bE,
Cå_rXdma ‘view in’ S´>m°n S>mCZ ~m°Šg na pŠbH$ H$aHo$ BpÀN>V ^mfm MwZ gH$Vm h¡Ÿ&
9. àíZ H$m CÎma XoZo Ho$ {bE Cå_rXdma H$mo Cg {dH$ën na ‘_mCg pŠbH$’ H$aZm hmoJm, {Ogo dh C{MV/ghr g_PVm h¡Ÿ& {Og {dH$ën H$mo pŠbH$
{H$`m OmEJm, dh hmB©bmEQ> hmo OmEJm Cgo Cå_rXdma Ûmam àíZ H$m {X`m J`m CÎma g_Pm OmEJmŸ&
10. EH$ àíZ H$m CÎma MwZ boZo Ho$ ~mX Cå_rXdma H$mo AnZo CÎma H$mo god H$aZo Am¡a AJbo àíZ na OmZo Ho$ {bE ‘SAVE & NEXT’ ~Q>Z na pŠbH$ H$aZm
Mm{hEŸ& Ü`mZ aho, ‘Save & Next’ ~Q>Z na pŠbH$ {H$E {~Zm àíZ Ho$ {bE MwZm J`m CÎma god Zht {H$`m OmEJmŸ&
11. `{X Cå_rXdma {H$gr àíZ H$mo hb Zht H$aZm MmhVm h¡ Vmo Cgo Cg àíZ Ho$ {H$gr {dH$ën na pŠbH$ Zht H$aZm Mm{hEŸ& Cå_rXdma àË`oH$ àíZ Ho$
gm_Zo {XE JE ‘CLEAR RESPONSE’ button na pŠbH$ H$a Ho$ {H$gr àíZ {deof Ho$ AnZo CÎma H$mo Mmho Vmo {S>{gboŠQ> H$a gH$Vm h¡Ÿ&
12. `{X H$moB© Cå_rXdma {H$gr àíZ {deof H$mo N>mo‹S>Zm MmhVm h¡ Am¡a ~mX _| bo{H$Z AnZr narjm gpã_Q> H$aZo go {\$a go hb H$aZm MmhVm h¡ `m Cå_rXdma
{H$gr àíZ {deof Ho$ CÎma na ‘pŠbH$’ (M`Z) H$aVm h¡ bo{H$Z ~mX _| CgH$s g_rjm H$aZm MmhVm h¡, Vmo dh CnbãY H$amE JE H$mJO na àíZ g§»`m
ZmoQ> H$a gH$Vm h¡Ÿ&
Eogr pñW{V _| Cå_rXdma ‘MARK FOR REVIEW & NEXT’ ~Q>Z na ^r pŠbH$ H$a gH$Vm h¡Ÿ& `{X {H$gr àíZ {deof Ho$ {bE EH$ CÎma MwZm
J`m h¡ {Ogo ‘MARK FOR REVIEW & NEXT’ Ho$ ê$n _| _mH©$ {H$`m J`m h¡, Vmo _mH©$ {H$`m J`m CÎma A§{V_ _yë`m§H$Z _| em{_b {H$`m OmEJmŸ&
13. hb {H$E JE Am¡a N>mS‹o > {XE JE àíZm| H$s g§»`mE§ ^r ñH«$sZ H$s XmB© Amoa {XImB© OmE§JrŸ& Cå_rXdma `{X CZ_| go {H$gr àíZ H$mo hb H$aZm `m g§emo{YV
H$aZm Mmho Vmo Cg àíZ {deof H$mo XoIZo Ho$ {bE Cg àíZ g§»`m na pŠbH$ H$a gH$Vm h¡Ÿ&
10
14. àíZ H$s pñW{V na {Z^©a H$aVo hþE àË`oH$ àíZ g§»`m a§J {deof _| {XIoJr :
15. O~ VH$ narjm H$m nyam g_`, Am°ZbmBZ àmapå^H$ narjm Ho$ {bE 1 K§Q>m Am¡a Am°ZbmBZ _w»` narjm Ho$ {bE 160 {_ZQ>,
gånÞ Z hmo OmE, V~ VH$ Cå_rXdma H$mo AnZo CÎma H$mo g~{_Q> H$aZo H$s AZw_{V Zht hmoJr &
16. Cå_rXdma ñH«$sZ H$s XmBª Amoa {XImB© JB© àíZ g§»`m na pŠbH$ H$aHo$, Am°ZbmBZ àma§{^H$ narjm _| {d{^Þ àíZmd{b`m| _|
Am¡a Am°ZbmBZ _w»` narjm _| àíZmdbr Ho$ ^rVa, àíZm| Ho$ ~rM Z¡{dJoQ> H$a gH$Vm h¡ Ÿ&
17. O~ Cå_rXdma {H$gr àíZ na pŠbH$ H$aoJm, Vmo Cg àíZ H$mo ñH«$sZ na {XIZo _| Hw$N> g_` bJoJmŸ& Bg à{H«$`m _| bJZo dmbm g_` narjm Ho$ {bE
{XE JE Hw$b g_` _| go H$mQ>m Zht OmEJmŸ&
18. narjm Ama§^ hmoZo Ho$ ~mX {H$gr ^r narpñW{V _| Cå_rXdma ‘H$s ~moS>© H$s {H$gr ^r Hw§$Or’ na pŠbH$ Z H$ao Š`m|{H$ Bggo narjm
na Vmbm bJ OmEJmŸ&
1. Cå_rXdmam| H$mo narjm H$m nyam g_` gånÝZ hmoZo go nhbo AnZo CÎma àñVwV H$aZo H$s AZw_{V Zht h¡Ÿ&
2. Cå_rXdma AnZo CÎmam| H$mo Ho$db ‘gpã_Q’> ~Q>Z pŠbH$ H$aZo go nhbo hr ~Xb gH$Vm h¡Ÿ&
3. narjm Ad{Y g_má hmoZo Ho$ ~mX Cå_rXdma {H$gr ^r àíZ H$mo hb `m MoH$ Zht H$a nmE§JoŸ& Cå_rXdma Ho$ CÎma H§$ß`yQ>a {gñQ>_ Ûmam AnZo Amn god
H$a {bE OmE§Jo ^bo hr CgZo ‘gpã_Q’> ~Q>Z Z X~m`m hmoŸ&
11