{"id":43,"date":"2025-07-22T06:43:44","date_gmt":"2025-07-22T06:43:44","guid":{"rendered":"https:\/\/deshkarya.com\/?p=43"},"modified":"2025-07-22T06:43:47","modified_gmt":"2025-07-22T06:43:47","slug":"%e0%a4%aa%e0%a5%88%e0%a4%b6%e0%a4%be%e0%a4%9a-%e0%a4%af%e0%a5%8b%e0%a4%97%e0%a5%8d%e0%a4%af-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%b5%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%be%e0%a4%aa%e0%a4%a8-%e0%a4%95","status":"publish","type":"post","link":"https:\/\/deshkarya.com\/?p=43","title":{"rendered":"\u092a\u0948\u0936\u093e\u091a \u092f\u094b\u0917\u094d\u092f \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e\u092a\u0928 \u0915\u0938 \u0915\u0930\u093e\u092f\u091a\u0902&#8230;"},"content":{"rendered":"\n<p>            <strong>\u0906\u091c\u091a\u094d\u092f\u093e <\/strong>\u0938\u094d\u092a\u0930\u094d\u0927\u093e\u0924\u094d\u092e\u0915 \u092f\u0941\u0917\u093e\u0924 \u092a\u0948\u0938\u093e \u0915\u092e\u0935\u0923\u0947 \u091c\u093f\u0924\u0915\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947, \u0924\u093f\u0924\u0915\u0947\u091a \u0924\u094d\u092f\u093e\u091a\u0947 \u092f\u094b\u0917\u094d\u092f \u0928\u093f\u092f\u094b\u091c\u0928 \u0915\u0930\u0923\u0947\u0938\u0941\u0926\u094d\u0927\u093e \u0924\u093f\u0924\u0915\u0947\u091a \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u0947 \u0906\u0939\u0947. \u0905\u0928\u0947\u0915 \u0932\u094b\u0915 \u092a\u0948\u0938\u0947 \u0915\u092e\u093e\u0935\u0924\u093e\u0924, \u092a\u0923 \u0924\u094d\u092f\u093e\u091a\u0947 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e\u092a\u0928 \u092f\u094b\u0917\u094d\u092f \u092a\u0926\u094d\u0927\u0924\u0940\u0928\u0947 \u0915\u0930\u0924 \u0928\u093e\u0939\u0940\u0924. \u0924\u094d\u092f\u093e\u092e\u0941\u0933\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0905\u0921\u091a\u0923\u0940 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0939\u094b\u0924\u093e\u0924. \u092f\u093e \u0932\u0947\u0916\u093e\u0924 \u0906\u092a\u0923 \u092a\u093e\u0939\u0923\u093e\u0930 \u0906\u0939\u094b\u0924 \u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928 \u092e\u094d\u0939\u0923\u091c\u0947 \u0915\u093e\u092f, \u0924\u094d\u092f\u093e\u091a\u0947 \u092e\u0939\u0924\u094d\u0924\u094d\u0935, \u0906\u0923\u093f \u0915\u094b\u0923\u0924\u094d\u092f\u093e \u0917\u094b\u0937\u094d\u091f\u0940 \u0932\u0915\u094d\u0937\u093e\u0924 \u0918\u0947\u090a\u0928 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u094d\u0935\u093e\u0935\u0932\u0902\u092c\u0928 \u0938\u093e\u0927\u0924\u093e \u092f\u0947\u0924\u0947.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/deshkarya.com\/wp-content\/uploads\/2025\/07\/save-money-1-1024x683.jpg\" alt=\"\" class=\"wp-image-46\" srcset=\"https:\/\/deshkarya.com\/wp-content\/uploads\/2025\/07\/save-money-1-1024x683.jpg 1024w, https:\/\/deshkarya.com\/wp-content\/uploads\/2025\/07\/save-money-1-300x200.jpg 300w, https:\/\/deshkarya.com\/wp-content\/uploads\/2025\/07\/save-money-1-768x512.jpg 768w, https:\/\/deshkarya.com\/wp-content\/uploads\/2025\/07\/save-money-1.jpg 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u00a0<strong>\u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928 \u092e\u094d\u0939\u0923\u091c\u0947 \u0915\u093e\u092f?<\/strong><\/p>\n\n\n\n<p>\u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928 \u092e\u094d\u0939\u0923\u091c\u0947 \u0906\u092a\u0932\u094d\u092f\u093e \u0909\u0924\u094d\u092a\u0928\u094d\u0928\u093e\u0928\u0941\u0938\u093e\u0930 \u0916\u0930\u094d\u091a, \u092c\u091a\u0924, \u0917\u0941\u0902\u0924\u0935\u0923\u0942\u0915 \u0906\u0923\u093f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092f\u093e\u0902\u091a\u0947 \u0938\u0902\u0924\u0941\u0932\u0928 \u0938\u093e\u0927\u0923\u0947. \u090f\u0916\u093e\u0926\u094d\u092f\u093e \u0935\u094d\u092f\u0915\u094d\u0924\u0940\u0932\u093e \u0915\u093f\u0902\u0935\u093e \u0915\u0941\u091f\u0941\u0902\u092c\u093e\u0932\u093e \u0924\u094d\u092f\u093e\u0902\u091a\u094d\u092f\u093e \u0906\u092f\u0941\u0937\u094d\u092f\u093e\u0924\u0940\u0932 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u094d\u092f\u093e \u091f\u092a\u094d\u092a\u094d\u092f\u093e\u0902\u0938\u093e\u0920\u0940 (\u091c\u0938\u0947 \u0915\u0940 \u2013 \u0936\u093f\u0915\u094d\u0937\u0923, \u0918\u0930\u0916\u0930\u0947\u0926\u0940, \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940) \u092a\u0948\u0938\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0905\u0938\u0924\u093e\u0924. \u0939\u0940 \u0924\u092f\u093e\u0930\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928\u093e\u0924\u0942\u0928 \u0936\u0915\u094d\u092f \u0939\u094b\u0924\u0947.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u00a0<strong>\u0915\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947 \u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u00a0\u0905\u0928\u092a\u0947\u0915\u094d\u0937\u093f\u0924 \u0916\u0930\u094d\u091a \u091f\u093e\u0933\u0923\u094d\u092f\u093e\u0938\u093e\u0920\u0940<br>\u091c\u0940\u0935\u0928\u093e\u0924 \u0905\u0928\u092a\u0947\u0915\u094d\u0937\u093f\u0924 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u0940 \u092f\u0947\u090a \u0936\u0915\u0924\u0947 \u2013 \u091c\u0938\u0947 \u0915\u0940 \u0906\u091c\u093e\u0930\u092a\u0923, \u0928\u094b\u0915\u0930\u0940 \u0917\u092e\u093e\u0935\u0923\u0947 \u0915\u093f\u0902\u0935\u093e \u0905\u092a\u0918\u093e\u0924. \u0905\u0936\u093e\u0935\u0947\u0933\u0940 \u0924\u0941\u092e\u091a\u094d\u092f\u093e\u0915\u0921\u0947 \u0907\u092e\u0930\u094d\u091c\u0928\u094d\u0938\u0940 \u092b\u0902\u0921 \u0905\u0938\u0947\u0932, \u0924\u0930 \u092e\u094b\u0920\u093e \u0906\u0927\u093e\u0930 \u092e\u093f\u0933\u0924\u094b.<\/li>\n\n\n\n<li>\u00a0\u0909\u0924\u094d\u0924\u092e \u092d\u0935\u093f\u0937\u094d\u092f\u093e\u0938\u093e\u0920\u0940 \u0924\u092f\u093e\u0930\u0940<br>\u092e\u0941\u0932\u093e\u0902\u091a\u0947 \u0936\u093f\u0915\u094d\u0937\u0923, \u0932\u0917\u094d\u0928 \u0915\u093f\u0902\u0935\u093e \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0928\u0902\u0924\u0930\u091a\u093e \u0915\u093e\u0933 \u0906\u0930\u094d\u0925\u093f\u0915\u0926\u0943\u0937\u094d\u091f\u094d\u092f\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0920\u0947\u0935\u0923\u094d\u092f\u093e\u0938\u093e\u0920\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928 \u0917\u0930\u091c\u0947\u091a\u0947 \u0906\u0939\u0947.<\/li>\n\n\n\n<li>\u00a0\u0917\u0941\u0902\u0924\u0935\u0923\u0941\u0915\u0940\u0924\u0942\u0928 \u0909\u0924\u094d\u092a\u0928\u094d\u0928<br>\u092f\u094b\u0917\u094d\u092f \u0920\u093f\u0915\u093e\u0923\u0940 \u0917\u0941\u0902\u0924\u0935\u0923\u0942\u0915 \u0915\u0947\u0932\u094d\u092f\u093e\u0938 \u0915\u0947\u0935\u0933 \u092c\u091a\u0924 \u0928 \u0939\u094b\u0924\u093e \u0924\u094d\u092f\u093e\u0924\u0942\u0928 \u0909\u0924\u094d\u092a\u0928\u094d\u0928\u0939\u0940 \u092e\u093f\u0933\u0924\u0947.<\/li>\n<\/ol>\n\n\n\n<p><strong>\u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928 \u0915\u0938\u0947 \u0915\u0930\u093e\u0935\u0947?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u00a0\u0906\u092a\u0932\u0947 \u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u0906\u0923\u093f \u0916\u0930\u094d\u091a \u0938\u092e\u091c\u0942\u0928 \u0918\u094d\u092f\u093e<\/li>\n<\/ol>\n\n\n\n<p>\u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092e\u0939\u093f\u0928\u094d\u092f\u093e\u091a\u093e \u0924\u092a\u0936\u0940\u0932\u0935\u093e\u0930 \u0916\u0930\u094d\u091a \u0932\u093f\u0939\u0942\u0928 \u0920\u0947\u0935\u093e. \u0915\u094b\u0923\u0924\u094d\u092f\u093e \u0917\u094b\u0937\u094d\u091f\u0940\u0902\u0935\u0930 \u091c\u093e\u0938\u094d\u0924 \u0916\u0930\u094d\u091a \u0939\u094b\u0924\u094b\u092f, \u0939\u0947 \u0913\u0933\u0916\u093e \u0906\u0923\u093f \u0905\u0928\u093e\u0935\u0936\u094d\u092f\u0915 \u0916\u0930\u094d\u091a \u0915\u092e\u0940 \u0915\u0930\u093e.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\u00a0\u092c\u091a\u0924 \u0915\u0930\u0923\u0947 \u0939\u0947 \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915<\/li>\n<\/ol>\n\n\n\n<p>\u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092e\u0939\u093f\u0928\u094d\u092f\u093e\u091a\u094d\u092f\u093e \u0909\u0924\u094d\u092a\u0928\u094d\u0928\u093e\u0924\u0942\u0928 \u0915\u093f\u092e\u093e\u0928 20% \u092c\u091a\u0924 \u0915\u0930\u0923\u094d\u092f\u093e\u091a\u093e \u0928\u093f\u092f\u092e \u092a\u093e\u0933\u093e. &#8220;\u0935\u093e\u092a\u0930\u0942\u0928 \u0909\u0930\u0932\u0947\u0932\u0947 \u0936\u093f\u0932\u094d\u0932\u0915 \u0920\u0947\u0935\u0942&#8221; \u0939\u0940 \u092e\u093e\u0928\u0938\u093f\u0915\u0924\u093e \u091a\u0941\u0915\u0940\u091a\u0940 \u0906\u0939\u0947.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u00a0\u0917\u0941\u0902\u0924\u0935\u0923\u0942\u0915 \u0938\u0941\u0930\u0942 \u0915\u0930\u093e<\/li>\n<\/ol>\n\n\n\n<p>\u092e\u094d\u092f\u0941\u091a\u094d\u092f\u0941\u0905\u0932 \u092b\u0902\u0921\u094d\u0938 (SIP) \u2013 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u0940\u0928 \u092b\u093e\u092f\u0926\u0947<\/p>\n\n\n\n<p>PPF (Public Provident Fund) \u2013 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0906\u0923\u093f \u0915\u0930\u092e\u0941\u0915\u094d\u0924<\/p>\n\n\n\n<p>\u0938\u094d\u091f\u0949\u0915\u094d\u0938 \u2013 \u091c\u094b\u0916\u0940\u092e \u0905\u0938\u0932\u0940 \u0924\u0930\u0940 \u091a\u093e\u0902\u0917\u0932\u0947 \u092a\u0930\u0924\u093e\u0935\u0947 \u092e\u093f\u0933\u0942 \u0936\u0915\u0924\u093e\u0924<\/p>\n\n\n\n<p>\u0938\u094b\u0928\u0947 \u0935 \u0930\u093f\u0905\u0932 \u0907\u0938\u094d\u091f\u0947\u091f \u2013 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092a\u0923 \u0935\u093f\u0936\u094d\u0935\u093e\u0938\u093e\u0930\u094d\u0939 \u0917\u0941\u0902\u0924\u0935\u0923\u0942\u0915<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>\u00a0\u0935\u093f\u092e\u093e \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u0906\u0935\u0936\u094d\u092f\u0915<\/li>\n<\/ol>\n\n\n\n<p>\u0906\u0930\u094b\u0917\u094d\u092f \u0935\u093f\u092e\u093e \u2013 \u0935\u0948\u0926\u094d\u092f\u0915\u0940\u092f \u0916\u0930\u094d\u091a\u093e\u0938\u093e\u0920\u0940<\/p>\n\n\n\n<p>\u091c\u0940\u0935\u0928 \u0935\u093f\u092e\u093e \u2013 \u0915\u0941\u091f\u0941\u0902\u092c\u093e\u0938\u093e\u0920\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>\u00a0\u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u093e\u0915\u094d\u0937\u0930\u0924\u093e \u0935\u093e\u0922\u0935\u093e<\/li>\n<\/ol>\n\n\n\n<p>\u092b\u093e\u092f\u0928\u093e\u0928\u094d\u0938\u0936\u0940 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u092a\u0941\u0938\u094d\u0924\u0915\u0947, \u092c\u094d\u0932\u0949\u0917, \u092f\u0942\u091f\u094d\u092f\u0942\u092c \u091a\u0945\u0928\u0932\u094d\u0938 \u0915\u093f\u0902\u0935\u093e \u0935\u0947\u092c\u093f\u0928\u093e\u0930\u094d\u0938 \u092a\u093e\u0939\u093e. &#8216;\u092b\u093e\u092f\u0928\u093e\u0928\u094d\u0938&#8217; \u0938\u092e\u091c\u0942\u0928 \u0918\u0947\u0924\u0932\u094d\u092f\u093e\u0938 \u0928\u093f\u0930\u094d\u0923\u092f \u0905\u0927\u093f\u0915 \u091a\u093e\u0902\u0917\u0932\u0947 \u0918\u0947\u0924\u093e \u092f\u0947\u0924\u093e\u0924.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u00a0<strong>\u0917\u0943\u0939\u093f\u0923\u0940\u0902\u0938\u093e\u0920\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u093f\u092f\u094b\u091c\u0928<\/strong><\/p>\n\n\n\n<p>\u0905\u0928\u0947\u0915 \u0917\u0943\u0939\u093f\u0923\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u094d\u092f\u0935\u0939\u093e\u0930\u093e\u0924 \u0938\u0915\u094d\u0930\u093f\u092f \u0928\u0938\u0924\u093e\u0924, \u092a\u0923 \u0924\u094d\u092f\u093e \u0918\u0930\u093e\u091a\u093e \u0906\u0930\u094d\u0925\u093f\u0915 \u0915\u0923\u093e \u0905\u0938\u0924\u093e\u0924. \u0918\u0930\u0917\u0941\u0924\u0940 \u0916\u0930\u094d\u091a\u093e\u091a\u0947 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e\u092a\u0928, \u092c\u091a\u0924\u0940\u091a\u094d\u092f\u093e \u092f\u094b\u091c\u0928\u093e \u092f\u093e\u092e\u0927\u094d\u092f\u0947 \u0924\u094d\u092f\u093e\u0902\u091a\u093e \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u093e \u0935\u093e\u091f\u093e 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