बुधवार, 15 सितंबर 2010

new cpf system

v”kkldh; fo|ky;ksa esas lh ih ,Q dVkSrh vkSj ljdkj ds fu;e fnukad 15-01-10

Ikqjkuh isa”ku ;kstuk ls ijs”kku dsUnz ljdkj }kjk lu~ 2005 ls ubZ va”knk;h isa”ku ;kstuk ¼ lh ih ,Q ½ izkjaHk dh xbZ gS A bl isa”ku ;kstuk esa ljdkj deZpkjh ds osru ls nl izfr”kr va”k ysdj mruk gh va”k Lo;a mlesa tekdj th ih ,Q ij ns; C;kt ds rqY; C;kt nsrh gS A bl isa”ku ;kstuk ds varxZr mRrjk[kaM ds ljdkjh fo|ky;ksa ds v/;kidksa ds lh ih ,Q dVkSrh dh izfdz;k rks izkjaHk gS ysfdu v”kkldh; fo|ky;ksa ds lh ih ,Q dVkSrh dks ysdj yxkrkj Hkze cuk gqvk gS A bl izdj.k esa ljdkj }kjk tkjh fu;ekoyh dh “kCnkoyh ij ,d n`f’V Mkyuk vko”;d gks tkrk gS A ljdkj ds “kCnksa esa & ftu Lok;Rr”kklh laLFkkvksa ,oa LFkkuh; fudk;ksa esa va”knku isa”ku ;kstuk ykxw gS rFkk jktdks’k ls ,dhd`r ys[kk ,oa Hkqxrku iz.kkyh ls osru vkgfjr ugha gkrk ,slh laLFkkvksa esa tc rd Hkkjr ljdkj }kjk mRrjk[kaM jkT; ds isa”ku Q.M ds fo’k; esa isa”ku Q.M eSustj fu;qDr ugha gksrk rc rd fdlh jk’Vªh;d`r cSad ;k ,slh laLFkk esa tgka U;wure lkekU; Hkfo’; fuf/k ij ns; C;kt ls de C;kt vuqeU; u gks ] lqjf{kr fuos”k fd;k tk; rkfd tSls gh Q.M eSustj fu;qDr gks C;kt lfgr ,slh /kujkf”k izR;sd deZpkjh ds fooj.k lfgr Q.M eSustj dks gLrkarfjr dj fn;k tk; A

ljdkj dk bl lanHkZ esa dguk gS fd dsUnz ljdkj dh rjQ ls tc rd QaM esustj dh fu;qfDr ugha gksrh rc rd ,sls jk’Vªh;d`r cSad esa [kkrk [kksyk tk; tgka ij fn;k tkus okyk C;kt lkekU; Hkfo’; fuf/k ij ns; C;kt ls de u gks A ogak ij ,dkmUV [kksys tkus ds ckn osru dk nl izfr”kr ml ,dkmUV esa rFkk mruh gh jkf”k ljdkj dh rjQ ls mlesa tek dh tk,xh A QaM eSustj dh fu;qfDr ds ckn ;g lkjk /ku ml ubZ O;oLFkk esa LFkkukarfjr dj fn;k tk,xk A bl laca/k esa esjk ljdkj ls ;g vuqjks/k gS fd d`Ik;k ljdkj gh gesa ;g crk ns fd mlus lh ih ,Q ds lanHkZ esa fdu cSadksa dks th ih ,Q ds rqY; C;kt fdlh cpr [kkrs ij fn;s tkus ds fy, vf/kd`r fd;k gS ;k ljdkj us dkSu dkSu ls cSad dks bl lanHkZ esa bl nj ij C;kt fn;s tkus ds fy, vf/kd`r fd;k gS A ljdkj dk fdlh laLFkk esa ,dkmaV [kksys tkus ls D;k eryc gS ,slh dkSu lh laLFkkvksa ds ckjs esa ljdkj dguk ;k crkuk pkgrh gS ;g Hkh Li’V ugha fd;k x;k gS A D;k dksbZ ih ih ,Q tSlh O;oLFkk ds fo’k; esa ljdkj ladsr djuk pkgrh gS ;k dksbZ vkSj O;oLFkk gS ftlds ckjs esa tulkekU; vifjfpr gS ;k ;g vkdk”kdqlqe dh rjg flQZ Hkjekus ds fy, gh fy[kk x;k gS A D;k ljdkj us cSadksa dks bl lanHkZ esa dksbZ funsZ”k fn;s gSa fd brus C;kt ij [kkrs [kksys tk,sa rkfd lh ih ,Q dVkSrh gks lds A fofnr gks fd cSad bl C;kt ij lh ih ,Q dVkSrh gsrq dksbZ ,dkmaV [kksyus ds fy, jkth ugha gSa rks fQj ljdkj }kjk tkjh ;g oSdfYid O;oLFkk D;k gS \

lPpkbZ rks okLro esa ;gh gS fd ljdkj dks [kqn ;g irk ugha gS fd ,sls dkSu ls cSad gSa tks th ih ,Q ds cjkcj dk vkB izfr”kr C;kt cpr [kkrs ij nsrs gSa A lkekU;r;k dksbZ Hkh cSad vkt lk<+s rhu izfr”kr ls vf/kd C;kt fdlh Hkh lsfoax ,dkmUV ij nsus dks rS;kj ugha gS A ,slh fLFkfr esa u ukS eu rsy gksxk vkSj u jk/kk ukpsxh A ;kfu u rks vkB izfr”kr C;kt gksxk vkSj u ,dkmUV [kqysxk rFkk ,sls reke v/;kid blds tfj;s feyus okys C;kt ls oafpr jgsaxs rFkk uqdlku mBkrs jgsaxs A lwpuk ds vf/kdkj ds vUrxZr bl laca/k esa fo|ky;h f”k{kk ] f”k{kk funs”kky; ] nsgjknwu ls irk djus ij ogka ls izkIr lwpuk ds vuqlkj ftys ds Mh bZ vks dk;kZy; gh bl laca/k esa tkudkjh nsaxs A ftys ds Mh bZ vks dk;kZy; esa bl laca/k esa Lo;a nqfo/kk gS rFkk larks’kizn tokc dk vHkko ns[kus dks feyrk gS A dqN yksx lkekU; C;kt jkf”k ij [kkrk [kksys tkus dks gh mi;qDr eku jgs gSa tcfd ;g ns[kus esa Li’Vr% fu;e fo:) fn[krk gS A dsUnz ljdkj }kjk QaM eSustj fu;qDr fd;s tkus dh viq’V [kcjsa tc rc lekpkji=ksa esa Nirh jgrh gSa A le>us esa ugah vkrk fd dc rd v”kkldh; ek/;fed fo|ky;ksa ds v/;kid lh ih ,Q ds C;kt ds :Ik esa gksus okyh {kfr dks lgu djrs jgsaxs A D;k ljdkj bl {kfriwfrZ dh ftEesnkjh ysxh \ ;fn ugh arks D;ksa ugha bl laca/k esa lac) foHkkx dk;Zokgh djrk \ ljdkj ls bl laca/k esa vuqjks/k gS fd C;kttU; ?kkVs dks utjvankt u djrs gq, “kh/kzrkiwoZd dk;Zokgh djs rkfd v”kkldh; fo|ky;ksa ds v/;kid vkSj v/;kfidk,sa Hkh bl ykHk ls oafpr u jgsa rFkk fuf”par gks ldsa A

MkW f}tsUnz ]

egkea=h ,e vkbZ lh

Tokykiqj ] gfj}kj

Lksok esa

Jheku~ egksn; !

egksn; !

lfou; fuosnu gS fd dsUnz ljdkj }kjk fiNyh is”ku;qDr lsokvksa ls gksus okys gkfu ykHk ds vkdyu djus ds ckn lu~ 2005 ls u;h isa”ku ;kstuk ykxw dh xbZ gS A blesa tks foHkkx ljdkj ls lh/ks tqM+s gSa mudh lh ih ,Q dVkSrh izkjaHk gks pqdh gS ysfdu fo|ky;ksa ds ekeys esa mRrjk[akM esa tks ek/;fed fo|ky; izca/ku ds vUrxZr gSa mudh lh ih ,Q dVkSrh vHkh Hkh izkjaHk ugha gks ik;h gS A fofnr gks fd bu lHkh fo|ky;ksa esa ,dhd`r ys[kk o Hkqxrku iz.kkyh ls osru vkgfjr ugha gksrk A bl laca/k esa ljdkj ds }kjk tks fu;ekoyh izLrqr dh xbZ gS mlds “kCn vxzfyf[kr gaS & ftu Lok;Rr”kklh laLFkkvksa ,oa LFkkuh; fudk;ksa esa va”knku isa”ku ;kstuk ykxw gS rFkk jktdks’k ls ,dhd`r ys[kk ,oa Hkqxrku iz.kkyh ls osru vkgfjr ugha gkrk ,slh laLFkkvksa esa tc rd Hkkjr ljdkj }kjk mRrjk[kaM jkT; ds isa”ku Q.M ds fo’k; esa isa”ku Q.M eSustj fu;qDr ugha gksrk rc rd fdlh jk’Vªh;d`r cSad ;k ,slh laLFkk esa tgka U;wure lkekU; Hkfo’; fuf/k ij ns; C;kt ls de C;kt vuqeU; u gks ] lqjf{kr fuos”k fd;k tk; rkfd tSls gh Q.M eSustj fu;qDr gks C;kt lfgr ,slh /kujkf”k izR;sd deZpkjh ds fooj.k lfgr Q.M eSustj dks gLrkarfjr dj fn;k tk; A

bl laca/k esa eq>s ;g dguk gS fd vkids foHkkx ds ikl ,sls fdrus cSadksa dh tkudkjh gS tks mfYyf[kr fu;eska ds vuqlkj th ih ,Q ij ns; C;kt ds leku C;kt nsrs gSa A ns”k ds leLr jk’Vªh;d`r cSad ;k leLr laLFkk,a ljdkj dh N=Nk;k esa gh Qyrh Qwyrh gSa A vr,o fuf”pr rkSj ij bl laca/k esa ljdkj ;k vkids foHkkx ds ikl mu lHkh cSadksa ;k laLFkkvksa ds ckjs esa tkudkjh gksxh tks mfYyf[kr ljdkjh fu;e ds vuqlkj th ih ,Q ds cjkcj C;kt nsrs gksa A laLFkkvksa ls ljdkj dk D;k eryc gS ;g le> ls ij gS d`Ik;k bu laLFkkvksa ds ckjs esa Hkh Ik;kZIr tkudkjh miyC/k djkus dh d`ik djsa tks th ih ,Q ds cjkcj C;kt nsus ds fy, rS;kj gSa A gekjh viuh tkudkjh o cSadksa ls ckrphr ds ckn dksbZ Hkh cSad bl laca/k esa lh ih ,Q vdkmUV [kqyokus ds fy, rS;kj ugha gS A rks D;k uo fu;qDr yksx rhu rhu pkj pkj o’kksZa ls fu;qfDr ikus ds ckotwn lh ih ,Q dVokus dh jkg ns[krs jgsaxs A blls gksus okyh {kfr dk ftEesnkj dkSu gksxk A bl ij ns; C;kt ls lHkh fu;qDr O;fDr;ksa dks dc rd oafpr jguk iM+sxk A

d`Ik;k bl laca/k esa dzeokj lwpuk nsus dh d`Ikk djsa &

1& ,sls dkSu dkSu ls jk’Vªh;d`r cSad gSa tks lh ih ,Q ,dkmaV [kksy jgs gSa o ml ij th ih ,Q ij ns; C;kt ds cjkcj C;kt ns jgs gSa \

2& ,slh dkSu lh laLFkk,a gSa tks lh ih ,Q ,dkmaV [kksy jgh gSa o th ih ,Q ij ns; C;kt ds cjkcj C;kt ns jgh gSa \ o bu laLFkkvksa ls D;k vfHkizk; gS \

3& bu laLFkkvksa dh ,d fyLV rFkk mu lHkh cSadks dh ,d fyLV Hkh nsus dh d`ik djsa A

4& mfYyf[kr Q.M eSustj dh fu;qfDr dc rd gksus okyh gS \

5& D;k ljdkj }kjk cSadksa ,oa mu laLFkkvksa dks bl laca/k esa th ih ,Q ds cjkcj C;kt fn;s tkus laca/kh dksbZ vkns”k fn;s x;s gSa \

6& D;k bl nkSjku fu;qDr O;fDr;ksa dks gksus okyh C;kt dh gkfu dh Hkjik;h foHkkx }kjk dh tk,xh \

7& D;k bl gsrq vU; dksbZ oSdfYid O;oLFkk Hkh gS \

vkils bl laaca/k esa vuqjks/k gS fd bl izi= esa mfYyf[kr lwpuk,a miyC/k djkus dh d`ik djsa A

fuosnd&

MkW f}tsUnz oYyHk “kekZ

Xkzke eksrhpwj ] iksLV gfjiqj dyka

}kjk jk;okyk ] nsgjknwu

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