इनड्राइभको फाइनान्सियल लिटरेसी कोर्समा २,५०० भन्दा बढी ड्राइभर पार्टनर सहभागी

sf7df8f}+ . ljZjJofkL df]laln6L tyf 8]lne/L Kn]6kmd{ Og8«fOen] g]kfndf ;~rfng u/]sf] …of]/ kmÞfOgfG;];M ufO8 6' dgL slGkm8]G;Ú -Your FinancesM Guide to Money Confidence_ gfds kmÞfOgflG;on ln6/];L sf];{ @,%)) eGbf a9L 8«fOe/ kf6{g/n] ;kmntfk"j{s k"/f u/]sf 5g\ . 8«fOe/ kf6{g/nfO{ cfˆgf] cfDbfgL / vr{ Joj:yfkg ug{, ah]6 agfpg, art ug]{ afgL ljsf; ug{ tyf cfly{s lg0f{o lng ;xof]u ug]{ p2]Zon] of] sf];{ ;~rfng ul/Psf] xf] .

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Og8«fOe Pksf] 8«fOe/ df]8 > 8«fOe/ Ps]8]dL dfkm{t pknAw of] sf];{ 8«fOe/ kf6{g/sf] b}lgs cfly{s cfjZostfnfO{ Wofgdf /fv]/ tof/ ul/Psf] 5 . ljz]ifu/L b}lgs ¿kdf cfDbfgLdf ptf/r9fj x'g ;Sg] 8«fOe/ kf6{g/n] cfˆgf] cfDbfgL / vr{nfO{ Jojl:yt ¿kdf a'‰g, of]hgf agfpg tyf cfly{s lg0f{o lng ;s"g\ eGg] p2]Zon] sf];{df ;/n / Jofjxfl/s hfgsf/L ;d]l6Psf] 5 .

sf];{df cfDbfgL tyf vr{ Joj:yfkg, cfly{s nIo lgwf{/0f, art tyf cfsl:ds sf]if, lhDd]jf/ ¿kdf C0f lng] tl/sf / Og8«fOedfkm{t yk cfDbfgLsf cj;/ nufotsf ljifo ;d]l6Psf 5g\ . k|To]s df]8\o'ndf l;s]sf ljifonfO{ cfˆgf] jf:tljs cfly{s cj:yf;Fu hf]8]/ k|of]u ug{ ;Sg] u/L Jofjxfl/s cEof; tyf SofNs'n]6/;d]t pknAw u/fOPsf] 5 .

Og8«fOe g]kfnsL l;lgo/ 8«fOe/ ck/];G; :k];ln:6 ;'lgtf lhdL /fO{n] elgg\, æ8«fOe/ kf6{g/x¿n] b}lgs ¿kdf ljleGg cfly{s lhDd]jf/L Joj:yfkg ul//x]sf x'G5g\ / pgLx¿sf] cfDbfgL klg sfd ug]{ ;do tyf b}lgs kl/l:yltcg';f/ km/s x'g ;S5 . To;}n] kmÞfOgflG;on ln6/];L;DaGwL 1fgnfO{ ;/n, Jofjxfl/s / ;xh ¿kdf pknAw u/fpg' dxTjk"0f{ 5 . …of]/ kmÞfOgfG;];M ufO8 6' dgL slGkm8]G;Ú dfkm{t 8«fOe/ kf6{g/nfO{ ah]6 Joj:yfkg, artsf] of]hgf, C0f;DaGwL lg0f{o tyf cfDbfgL Joj:yfkgdf ;xof]u k'Ug] pkof]uL hfgsf/L / pks/0f pknAw u/fpg rfx]sf 5f}F .Æ

sf];{ k"/f u/]sf 8«fOe/ kf6{g/x¿n] klg o;sf] ;/n / Jofjxfl/s z}nL pkof]uL /x]sf] atfPsf 5g\ .

sf];{ k"/f u/]sf Ps 8«fOe/ kf6{g/n] eg], æo; sf];{af6 art, ah]6 / k};fsf] Joj:yfkgaf/] Jofjxfl/s 1fg kfPF. sf];{ ;/n / a'‰g ;lhnf] lyof] . sf];{ k"/f u/]kl5 d}n] b}lgs vr{sf] lx;fa /fVg], ah]6 agfpg] / lgoldt ¿kdf art ug]{ afgL ljsf; ug{ yfn]sf] 5' .Æ

kmÞfOgflG;on ln6/];L sf];{sf rf/ d'Vo df]8\o'n

df]8\o'n !M ah]6 Joj:yfkg

o; df]8\o'ndf cfDbfgL / vr{sf] cj:yf a'‰g], b}lgs tyf dfl;s vr{nfO{ of]hgfa4 ¿kdf Joj:yfkg ug]{ / cfDbfgLcg';f/ vr{nfO{ Jojl:yt ug]{ ljifo ;d]l6Psf] 5 .

df]8\o'n @M cfly{s nIo xfl;n ug]{

o;df cfly{s nIo lgwf{/0f ug]{, cfsl:ds cj:yfsf nflu /sd 5'6\ofpg], lgoldt art ug]{ afgL ljsf; ug]{ tyf 7"nf vl/bsf nflu cfly{s ¿kdf tof/L ug]{ ljifo ;d]l6Psf 5g\ .

df]8\o'n #M ;'/lIft ¿kdf C0f lng]

o; df]8\o'nn] lhDd]jf/ ¿kdf C0f lng] tl/sf, /fd|f] / v/fa C0faLrsf] km/s tyf C0f lng'cl3 To;af6 l;h{gf x'g] cfly{s bfloTj Joj:yfkg ug{ ;lsG5 ls ;lsFb}g eg]/ d"Nof+sg ug]{ ljifodf hfgsf/L lbG5 .

df]8\o'n $M Og8«fOedfkm{t yk cfDbfgL

o;df Og8«fOe Pkdfkm{t pknAw cfDbfgLsf cj;/nfO{ k|efjsf/L ¿kdf pkof]u ug]{ tyf Kn]6kmd{dfkm{t cfˆgf] cfDbfgL a9fpg ;lsg] pkfoaf/] Jofjxfl/s hfgsf/L lbOPsf] 5 .

sf];{dfkm{t 8«fOe/ kf6{g/n] cfˆgf] ah]6 Joj:yfkg ug]{, cfDbfgL / vr{sf] of]hgf agfpg], cfly{s nIo lgwf{/0f ug]{, lgoldt art ug]{ tyf C0f lng'cl3 cfˆgf] cfly{s Ifdtfsf] d"Nof+sg ug]{ ljifodf cfwf/e"t Jofjxfl/s 1fg xfl;n ug{ ;S5g\ .

8«fOe/ kf6{g/sf] b}lgs cfjZostf / bL3{sfnLg cfly{s Joj:yfkgdf ;xof]u k'¥ofpg] p2]Zon] ;~rfng ul/Psf] of] kxnn] pgLx¿nfO{ /fO8 ;]jf;Fu ;DalGwt ;Lksf cltl/Qm b}lgs hLjgdf pkof]uL kmÞfOgflG;on ln6/];L / l;sfOsf] cj;/ pknAw u/fpg] Og8«fOesf] k|of;nfO{ lg/Gt/tf lbPsf] 5 .

Og8«fOen] 8«fOe/ df]8 > 8«fOe/ Ps]8]dL dfkm{t kmÞfOgflG;on ln6/];L sf];{ pknAw u/fpFb} yk 8«fOe/ kf6{g/nfO{ rf/j6} df]8\o'n k"/f ug{ k|f]T;flxt ug]{ hgfPsf] 5 .

Og8«fOesf] kmÞfOgflG;on ln6/];L sf];{df @,%)) eGbf a9L 8«fOe/ kf6{g/ ;xefuL

sf7df8f}+ . ljZjJofkL df]laln6L tyf 8]lne/L Kn]6kmd{ Og8«fOen] g]kfndf ;~rfng u/]sf] …of]/ kmÞfOgfG;];M ufO8 6' dgL slGkm8]G;Ú -Your FinancesM Guide to Money Confidence_ gfds kmÞfOgflG;on ln6/];L sf];{ @,%)) eGbf a9L 8«fOe/ kf6{g/n] ;kmntfk"j{s k"/f u/]sf 5g\ . 8«fOe/ kf6{g/nfO{ cfˆgf] cfDbfgL / vr{ Joj:yfkg ug{, ah]6 agfpg, art ug]{ afgL ljsf; ug{ tyf cfly{s lg0f{o lng ;xof]u ug]{ p2]Zon] of] sf];{ ;~rfng ul/Psf] xf] .

Og8«fOe Pksf] 8«fOe/ df]8 > 8«fOe/ Ps]8]dL dfkm{t pknAw of] sf];{ 8«fOe/ kf6{g/sf] b}lgs cfly{s cfjZostfnfO{ Wofgdf /fv]/ tof/ ul/Psf] 5 . ljz]ifu/L b}lgs ¿kdf cfDbfgLdf ptf/r9fj x'g ;Sg] 8«fOe/ kf6{g/n] cfˆgf] cfDbfgL / vr{nfO{ Jojl:yt ¿kdf a'‰g, of]hgf agfpg tyf cfly{s lg0f{o lng ;s"g\ eGg] p2]Zon] sf];{df ;/n / Jofjxfl/s hfgsf/L ;d]l6Psf] 5 .

sf];{df cfDbfgL tyf vr{ Joj:yfkg, cfly{s nIo lgwf{/0f, art tyf cfsl:ds sf]if, lhDd]jf/ ¿kdf C0f lng] tl/sf / Og8«fOedfkm{t yk cfDbfgLsf cj;/ nufotsf ljifo ;d]l6Psf 5g\ . k|To]s df]8\o'ndf l;s]sf ljifonfO{ cfˆgf] jf:tljs cfly{s cj:yf;Fu hf]8]/ k|of]u ug{ ;Sg] u/L Jofjxfl/s cEof; tyf SofNs'n]6/;d]t pknAw u/fOPsf] 5 .

Og8«fOe g]kfnsL l;lgo/ 8«fOe/ ck/];G; :k];ln:6 ;'lgtf lhdL /fO{n] elgg\, æ8«fOe/ kf6{g/x¿n] b}lgs ¿kdf ljleGg cfly{s lhDd]jf/L Joj:yfkg ul//x]sf x'G5g\ / pgLx¿sf] cfDbfgL klg sfd ug]{ ;do tyf b}lgs kl/l:yltcg';f/ km/s x'g ;S5 . To;}n] kmÞfOgflG;on ln6/];L;DaGwL 1fgnfO{ ;/n, Jofjxfl/s / ;xh ¿kdf pknAw u/fpg' dxTjk"0f{ 5 . …of]/ kmÞfOgfG;];M ufO8 6' dgL slGkm8]G;Ú dfkm{t 8«fOe/ kf6{g/nfO{ ah]6 Joj:yfkg, artsf] of]hgf, C0f;DaGwL lg0f{o tyf cfDbfgL Joj:yfkgdf ;xof]u k'Ug] pkof]uL hfgsf/L / pks/0f pknAw u/fpg rfx]sf 5f}F .Æ

sf];{ k"/f u/]sf 8«fOe/ kf6{g/x¿n] klg o;sf] ;/n / Jofjxfl/s z}nL pkof]uL /x]sf] atfPsf 5g\ .

sf];{ k"/f u/]sf Ps 8«fOe/ kf6{g/n] eg], æo; sf];{af6 art, ah]6 / k};fsf] Joj:yfkgaf/] Jofjxfl/s 1fg kfPF. sf];{ ;/n / a'‰g ;lhnf] lyof] . sf];{ k"/f u/]kl5 d}n] b}lgs vr{sf] lx;fa /fVg], ah]6 agfpg] / lgoldt ¿kdf art ug]{ afgL ljsf; ug{ yfn]sf] 5' .Æ

kmÞfOgflG;on ln6/];L sf];{sf rf/ d'Vo df]8\o'n

df]8\o'n !M ah]6 Joj:yfkg

o; df]8\o'ndf cfDbfgL / vr{sf] cj:yf a'‰g], b}lgs tyf dfl;s vr{nfO{ of]hgfa4 ¿kdf Joj:yfkg ug]{ / cfDbfgLcg';f/ vr{nfO{ Jojl:yt ug]{ ljifo ;d]l6Psf] 5 .

df]8\o'n @M cfly{s nIo xfl;n ug]{

o;df cfly{s nIo lgwf{/0f ug]{, cfsl:ds cj:yfsf nflu /sd 5'6\ofpg], lgoldt art ug]{ afgL ljsf; ug]{ tyf 7"nf vl/bsf nflu cfly{s ¿kdf tof/L ug]{ ljifo ;d]l6Psf 5g\ .

df]8\o'n #M ;'/lIft ¿kdf C0f lng]

o; df]8\o'nn] lhDd]jf/ ¿kdf C0f lng] tl/sf, /fd|f] / v/fa C0faLrsf] km/s tyf C0f lng'cl3 To;af6 l;h{gf x'g] cfly{s bfloTj Joj:yfkg ug{ ;lsG5 ls ;lsFb}g eg]/ d"Nof+sg ug]{ ljifodf hfgsf/L lbG5 .

df]8\o'n $M Og8«fOedfkm{t yk cfDbfgL

o;df Og8«fOe Pkdfkm{t pknAw cfDbfgLsf cj;/nfO{ k|efjsf/L ¿kdf pkof]u ug]{ tyf Kn]6kmd{dfkm{t cfˆgf] cfDbfgL a9fpg ;lsg] pkfoaf/] Jofjxfl/s hfgsf/L lbOPsf] 5 .

sf];{dfkm{t 8«fOe/ kf6{g/n] cfˆgf] ah]6 Joj:yfkg ug]{, cfDbfgL / vr{sf] of]hgf agfpg], cfly{s nIo lgwf{/0f ug]{, lgoldt art ug]{ tyf C0f lng'cl3 cfˆgf] cfly{s Ifdtfsf] d"Nof+sg ug]{ ljifodf cfwf/e"t Jofjxfl/s 1fg xfl;n ug{ ;S5g\ .

8«fOe/ kf6{g/sf] b}lgs cfjZostf / bL3{sfnLg cfly{s Joj:yfkgdf ;xof]u k'¥ofpg] p2]Zon] ;~rfng ul/Psf] of] kxnn] pgLx¿nfO{ /fO8 ;]jf;Fu ;DalGwt ;Lksf cltl/Qm b}lgs hLjgdf pkof]uL kmÞfOgflG;on ln6/];L / l;sfOsf] cj;/ pknAw u/fpg] Og8«fOesf] k|of;nfO{ lg/Gt/tf lbPsf] 5 .

Og8«fOen] 8«fOe/ df]8 > 8«fOe/ Ps]8]dL dfkm{t kmÞfOgflG;on ln6/];L sf];{ pknAw u/fpFb} yk 8«fOe/ kf6{g/nfO{ rf/j6} df]8\o'n k"/f ug{ k|f]T;flxt ug]{ hgfPsf] 5 .