2.
   2022
/  
 
(  )
: 3     :100
:     -    ,         
           20       
 1000   5-6      
-
1.        
2.          
-
3.        
4.      
-
5.         
2.
6. -        
-
7.        
8.           
   2022
/  
 
(  )
: 3     :100
:     -    ,         
           20       
 1000   5-6      
-
1.        
: 
"  "   ,        ,
 ,            ,   
           ,      
2.
       ,        ' 

             
 ,   

 ,     ,    '   ,   

         ,     ,  
      
 ,       ,     
                  

 
   ,             
 ,  , ,       
  
      -   
1.  -        
                   
     ,                
   :
    ?
     
  ?
      ?
      - , , ,   ?
      
    ,   
 
   ,         ,  
               
 ,       
 
    :
   
   
  
   
   
 ,      
 
2.   -        
2.
     
   ,        
  -     
   '    
 :
 ( , , ,  )
-  (, , )
   
         
    
  :
      
    

    
       
        
 
3.   -    
        ,       :
      ?
         
     '   :
   
   
,     
   '     
     
       
      ,  
         
 :
   '    
   
        
    -  
       
 
2.
4.  -    
                 
 ,            
  
    :
  -  
   
  
    
      :
           
          
  
-  ,              
5.  -    
        , 
         
 ?       ,          
    
                  :
     

         
       
     
     ,     (CAG)     
  
 
      
           
      
6.    -   '  
2.
        
        
  ,               
    :
        
-       
    
  
  
              
 
7.    -    
          
,     
   ,       :
   (  , ...)
 
   

            
 :
     
    '    
  '  

      ,    
8.      
         
      
    
  
          :
 
   
    
      
2.
          
9.    
       ,      '    
    :
      ?
       ?
        ?
 , , - ,  ,        
   

                   
   ,       ,          
            
 ,  
 ,    ,        
   ,              
  ,       ,       
   ,     , -    ,      
 
 ,        
 -      
         ,         ,   
        
2.          
:🌟-
 ,              ,        
   ,  '   ,   
 ,    
        ,         
         
2.
👉   :                 
 
 ,    
 ,      , 
   -    '
🌟    
           
      
       
1.    
  ,     
   
   ,         
  
:  , ,  
👉  ,   
 
2.    
     
    , ,    
    '    
      
   
:             
👉          
3.     
        
              
:        (CAG)  
👉   
          
4.    
             
,  ,      
:     ,  '      
👉        
5.     
2.
   ,             
  
            

:    
👉   
        
6.    
               
   ,    
  
 
:         
👉           
🌟    
    -             
 ,      
 
1.     
             
         
 
:   ,          
👉       
 
2.   
         
          
:            
👉      
 
3.     
           
       
 
:  ,   ,        
 
👉     
 
2.
4.    
               

:        
  
👉       
5.    
          
,       
 
: CAG         
👉       
 
6.   
            
         
:           

👉       
7.   
        
:       
👉           
8.   
      
     ,        
:      '  '   

👉        
 
9.   
   -          
:       
2.
👉       
 
📖  
             ()  
,    ( ) '   ,   
      
  (),       ( ),   
     ()
👉  '          -     '
🌟 
       
    
       ,     
  
  ,          
, ,        
     
👉       ,      
 '   
📊 


  
  
   

  
  
 
 
 
 



, , 
🌍  
           
       
 ,           -     
,     '  ,         
  
2.
-
3.        
: 
   ,      ,    
     ,    , "      
 "     ,     '  ,    
     
            
     ,           
  
                      
         
        :
     ,
     ,
  ,
    ,
     
          
 ,       ,   '       
         
   :
 =   +      
  :
      (, , , ),
        (, , , ,   ,
)
 ,     
;    ,    
    
 
2.
 
  ?
    
:
    ,
      ,
   
 ,
     ,
     
  ,   ,      
  
                
   
             

     
1.   
                  ,
  '           
  ,    :
1   31 
    
  :
          ,
 '   ,
       
 
 ,          
2.   
2.
           -      
    -               
   
   
? 
     :
   ,
,
        
      
 ,           
3.     
           
     - 
 '    
             :
,
,
   
              ,  
    
 
4.   
 ,   -   '  
  
           
 :   ₹100       ,     
  ₹500  
   ,      
    
      :
  ,
  ,
      
 
2.
5.   
  ',             
   
  =  = 
       ,        ,     
 
              
,          
6.   
        ,         :
 ,
,
  ,
 , 
   ,             
   
             
 
7.   
 ,              
 ,       
  :
     ,
   
 ,
    
 
8.       
2.
                
      
    
 :
      ,
 ,
   
           
 
9.   

        ,        
   ,  '    :
  ,
  ,
  ,
 
  ,       
10.   
              
    -           
          
 

                  , 
 , -        
 
, ,   , , , , ,  ,  
       ,       
  
 
2.
4.      
:🌟-
                
(, , ,  
)        (, , 
,  , , )        
;   
,          
👉   :              
    -     , ,    '  
     ',      ,      ,
    
🌟    -- 
1.     
           
      
         
  
   ,     
    ,   
 
   
👉            
2.    
             
           ,   -
  
    -        
👉               , 
     
3.     
  (   , , )        
  
      (  )  -  (,
-, )    
        
2.
👉            ,       

4.     
           
        ,  ,       
 
,           ,     
       
👉              
    
5.  /   - 
   ,      ()    () 
-   
  
           
👉                    
,         
6.     
     
   ,     
 
 
     (CBDT)        (CBIC) 
-   
             
👉          ,     
   
7.     
      ,        
            
 
           
👉                   
   
8.    
2.
            ,      
    
 ,       '   
👉                  
 
9.   
   ,        
  ,     '  
         
 
  
          
👉                  ' 

 
10.    
     '   1         
      ,        
  
       :
o    (  )
o   (    )
👉                    
11.     
    ,     '   
   '   ,          
,   
 
   '    ,           
          
👉           '      '   

12.   
     ,        
     
         
2.
    (CAG)        
 
👉                  
🌟     
:     
  :     
 :          
 :            
:           
📖  
              
 , 
  
 ,   
 ,  '   ,    
,         ,      -
     ,   '     
🌟 
     ,      


        
 
, , -       
     
            
 
📊 

 

      
 

    - 

    

       
- 
      
 
      
   
    
   
     

   

        
 
  '       
2.

  ,   
🌍  
             
  
       ,          
          ,       
  
 
-
5.        
:   
              

,       
 ,    ,  
 ,   

       -      
    
   
  ,  ,       
    '       
 ,    ,   
       
         ?  
      ?    
      ?
                     
        '            
                   
        
🎯      
  ?
  ,             , 
       , ,   
 
     ,        
 ,  
   :
       
     

       
 
       
2.
    , "     ,     "
  — "     
"
  ',           
   
    
              
              :
👉               
  
   ,             

                
,   
      
💰         ?
       -    
      
   ,       
 -    
  
  -     
 ,            
          '   
  
         
    '   ,  '   
 ,       
    :
   
 
   
     
    ,         ,   ,   
         
        
      
         
          
2.
 ' 
           ?  
                 
       :



  
               '  
   
  
     ,            '  
          
  :
 
 
 '  
 
  
         '    '  
-   
   ,       '        
          :
 
  ()         
          
     -        
    
          
2.
             
 ,
    ,         
    (CAG)  
    ,              
        (CAG)     -  

                  
  :
 
  

  
           '   
  
      
 
 ,    - 
       '          , 
          :
  '   

 ?
 
  ?
  
 ?
             
      
🌟      
        
 :
       
     '
  
      
2.
      
          
   
   ,    -    
      ?
   
         :
           
        
 
          
 ,      ,            
   

                 

        ,       
    ,    ,      ,  
 ,      '  ,      
 
   ,           ,   
  ,    
      :
6. -        
:🌟- :    
🌟-
        :        , 
              ,      
              , ,   ?
2.
👉     -  (ZBB) 
         
, ZBB              
       ,            
  
🌟-   
:-       " "    ,   
        
    ,      

         
    
      
 
👉   : ZBB       
      
,     
       ,      
        
🌟ZBB     
1.   :      
2. 
 :          
3.  :  " "         
       
4.  '   :   -  '  
5. :, ,        
🌟-    
1.     
             
: , , ,      
2.     
   ,          

 
           
   
3.      
          '   
                
4.   
2.
                
👉    
            
 
🌟-   
1.     
o        
  
   

o        
2.    
o        '     
3.     
o                

4.   
o               
5.    
o       
🌟-    
1.  
o             
2. 
o              

3.    
o        
 
4.    
o           '    
👉ZBB              
 
🌟ZBB  
:           

:    ,     
     
  :             
ZBB     
2.
👉:     -       
     
📖  
                   
     ' ₹5,000  ,         :
"      ?  
     ?    
'     ?"
👉ZBB       -   '        
         
🌟 
:,        
:     , ,     
   :ZBB            
         
📊 

  
- 


   


   

   

 
  

,   
-   ,  
  

  
 
 , 
🌍  
-          '      
     ,     ,    ,  
 
              
👉  : ZBB     
 -    ,   
       
          , 
     
 
2.
-
7.        
:   
            
       ,    , "       
,"   
   '    ?   
  ?   ',

              
    
           
    , , , ,         ,   
      ,             
  
  ,   , ,        
         ,       
       
  
    "Audire"   ,        , 
    
 ,         , 
              -
    
   
   :
👉                   
       ,         

  
    ,       
              ,
, ,                 
        ,          
   
   
 , 
       :
      
     
  
2.
        
   ?
                
  '  
     '         
 ,            
  
          
 
  
     :     
?    '    

 ?
           
1.     
 
          , , ,  ,
            ,   
         ,      
   
      :
     
  
     
     ,     
      '
        
2.      
             ,       
 :
 
2.
     
  
 
          ,        

         ,        
            ,      
  
3.          
  
                   

   ? 
! 
          
          
,  , , ,         -
            :
  
  
    
        
 ,       
 
4.         
       
       
          ,     
       ',        :
   
    
     
          
5.       
      ,          
        :
2.
 
 
 
                 
             
6.      
   ,                 
 ,                  

         
 
 ,               
7.     
 ,               
:
 
  
     
  
    ,           
  
 
8.      
           '    ,   
 ,              
       ,      
        

2.
  ,        
;       ,
        ,  ,   
          ,       
 
      ,       , 
     
      ,            -
 ,            ,  
      '    
 ,            
,     ,
                
8.           
:🌟    
🌟-
                   
    ,     ,   ,   
 ,              
👉   :      ""  ,    
    
              
🌟    
          ,        
    ,  -            
       ,   -   :
1.      (DEA)
: ,    ,       

:
o   
 
o         
o           
o IMF             
:   
2.
👉   " " ,        
2.    (DoE)
:          
 
:
o         
o           
o    ,      
o      
 
: 
👉    "" ,   
       
3.    (DoR)
:      
:
o   ( ,  )    
o   (, , )    
o             
 
: 
👉   " " ,          


4.        (DFS)
:,        
:
o             
o        
o             
o RBI, IRDAI,  PFRDA      
:     
👉   "" ,   
         
 
5.         (DIPAM)
:           
:
2.
o     (PSUs)       
    
 
o         
o       
: (     )
👉DIPAM " " ,    
         
   
6.     (DPE)
:     (CPSEs)      
:
o PSUs       -   
o       
o        
: ( )
👉    "" ,         

🌟   
           
          
       ,      
 
👉    
               
 
🌟  
1.   :  
         
    
2.  :    
    
3.   :,      
4. :      
5.   :       
📖  
       :
          
 
2.
        
              
                
                 
 
             
 
 
👉  ,   ()    '     
📊 

 
 
,  ,    

 ,  
 
   

, , 
 
  ,  

     
🌍  
             
    
      ,        
      
 ,    - 
"               
 
       ,       
 "