{"id":339211,"date":"2022-12-14T18:52:07","date_gmt":"2022-12-14T13:22:07","guid":{"rendered":"https:\/\/zerodha.com\/z-connect\/?p=339211"},"modified":"2022-12-14T21:27:01","modified_gmt":"2022-12-14T15:57:01","slug":"%e0%a4%ac%e0%a4%a2%e0%a4%bc%e0%a4%a4%e0%a5%87-%e0%a4%a1%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%95%e0%a5%8d%e0%a4%b2%e0%a5%8b%e0%a4%9c%e0%a4%bc%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%9f%e0%a5%8d%e0%a4%b0","status":"publish","type":"post","link":"https:\/\/zerodha.com\/z-connect\/hindi\/%e0%a4%ac%e0%a4%a2%e0%a4%bc%e0%a4%a4%e0%a5%87-%e0%a4%a1%e0%a4%bf%e0%a4%b8%e0%a5%8d%e0%a4%95%e0%a5%8d%e0%a4%b2%e0%a5%8b%e0%a4%9c%e0%a4%bc%e0%a4%b0-%e0%a4%94%e0%a4%b0-%e0%a4%9f%e0%a5%8d%e0%a4%b0","title":{"rendered":"\u092c\u095d\u0924\u0947 \u0921\u093f\u0938\u094d\u0915\u094d\u0932\u094b\u095b\u0930 \u0914\u0930 \u091f\u094d\u0930\u093e\u0902\u0938\u092a\u0947\u0930\u0947\u0902\u0938\u0940 \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930\u00a0"},"content":{"rendered":"<p>\u092e\u0948\u0902 \u092a\u093f\u091b\u0932\u0947 \u0915\u0941\u091b \u0926\u093f\u0902\u0928\u094b \u0938\u0947 \u091a\u093e\u0930\u094d\u0932\u0940 \u092e\u0902\u0917\u0930 \u0915\u094b \u092a\u095d \u0914\u0930 \u0938\u0941\u0928 \u0930\u0939\u093e \u0939\u0942\u0901, \u0914\u0930 \u0907\u0928\u094d\u0939\u0947\u0902 \u092a\u095d\u0924\u0947 \u0939\u0941\u090f \u092e\u0948\u0902 \u0916\u0941\u0926 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0914\u0930 Zerodha \u0915\u094b \u0915\u0948\u0938\u093e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0938\u093f\u0916\u0924\u093e \u0939\u0942\u0901\u0964 \u0907\u0938 \u0938\u0940\u0959 \u0915\u093e \u0938\u0902\u091b\u0947\u092a <a href=\"https:\/\/tradingqna.com\/t\/charlie-mungers-100-quotes\/139556\">\u0907\u0938 \u0932\u093f\u0938\u094d\u091f<\/a> \u092e\u0947\u0902 \u0926\u093f\u090f \u0917\u090f \u091a\u093e\u0930\u094d\u0932\u0940 \u092e\u0902\u0917\u0930 \u0915\u0940 \u0915\u0941\u091b \u0915\u0939\u093e\u0935\u0924\u094b\u0902 \u0938\u0947 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948 :<\/p>\n<ul>\n<li>One of the greatest ways to avoid trouble is to keep it simple\u2026 the system often goes out of control.<\/li>\n<li>I would argue that passion is more important than brainpower.<\/li>\n<li>Remember that reputation and integrity are your most valuable assets and can be lost in a heartbeat.<\/li>\n<li>To get what you want, you have to deserve what you want. The world is not yet a crazy enough place to reward a whole bunch of undeserving people.<\/li>\n<li>Is there such a thing as a cheerful pessimist? That\u2019s what I am.<\/li>\n<li>The best thing a human can do is to help another human being know more.<\/li>\n<li>Assume life will be really tough, and then ask if you can handle it. If the answer is yes, you\u2019ve won.<\/li>\n<\/ul>\n<p>\u0939\u092e\u0928\u0947 \u0936\u0941\u0930\u0941\u0935\u093e\u0924 \u0938\u0947 \u0939\u0940 \u0939\u0930 \u0905\u0935\u0938\u0930 \u092a\u0930 \u0938\u094d\u091f\u0949\u0915 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u092a\u0930 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0932\u093e\u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0915\u0940, \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0907\u0938\u0915\u0947 \u0930\u093f\u0938\u094d\u0915 \u0938\u0947 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u093e\u092f\u093e \u0914\u0930 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0930\u094d\u0938 \u0914\u0930 \u091f\u094d\u0930\u0947\u0921\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0939\u0930 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092c\u093e\u0902\u091f\u0940 \u0939\u0948\u0964 \u0915\u094d\u092f\u094b\u0902\u0915\u0940 \u0939\u092e\u093e\u0930\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u0940 \u0938\u092b\u0932\u0924\u093e \u0915\u093e \u0915\u093e\u0930\u0923 \u0906\u092a\u0915\u093e \u092d\u0930\u094b\u0938\u093e \u0930\u0939\u093e \u0939\u0948, \u0939\u092e \u092c\u093f\u095b\u0928\u0947\u0938 \u0914\u0930 \u0906\u092a\u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u0914\u0930 \u092a\u094d\u0930\u092f\u093e\u0938 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0939\u092e\u0928\u0947 \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 <a href=\"https:\/\/zerodha.com\/marketintel\/disclosures\/\">\u091f\u0947\u0915\u094d\u0928\u093f\u0915\u0932 \u0917\u094d\u0932\u093f\u091a \u0915\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f<\/a> \u0915\u094b \u0926\u093f\u0916\u093e\u092f\u093e\u0964 \u0907\u0928 \u091f\u0947\u0915\u094d\u0928\u093f\u0915\u0932 \u0907\u0936\u0942 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u094d\u0938 \u0915\u094b \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u092a\u0947 \u092b\u093e\u0907\u0932 \u0915\u0930\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u091f\u0949\u0915 \u092c\u094d\u0930\u094b\u0915\u0930\u094d\u0938 \u0915\u094b \u0915\u0908 \u0938\u0959\u094d\u0924 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u093e \u092a\u093e\u0932\u0928 \u0915\u0930\u0928\u093e \u092a\u095c\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u092d\u0940 \u0915\u094b\u0908 \u0907\u0936\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948, \u0924\u094b \u0909\u0938\u0947 \u092c\u094d\u0930\u094b\u0915\u0930\u094d\u0938 \u0915\u094b \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u094d\u0938 \u0915\u0947 \u0915\u0947 \u092a\u093e\u0938 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948 \u0932\u0947\u0915\u093f\u0928 \u0939\u092e\u0928\u0947 \u0907\u0928 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u094d\u0938 \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u094b \u092a\u092c\u094d\u0932\u093f\u0915 \u0915\u0930 \u0926\u093f\u092f\u093e \u0939\u0948\u0964<br \/>\n\u0905\u092c \u0938\u0947 \u0939\u0930 6 \u092e\u0939\u0940\u0902\u0928\u094b\u0902 \u092e\u0947\u0902, \u0939\u092e \u0905\u092a\u0928\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u092a\u0930\u092b\u0949\u0930\u092e\u0947\u0902\u0938 \u0914\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u092a\u0930 \u0905\u092a\u0921\u0947\u091f \u0915\u094b \u092a\u092c\u094d\u0932\u093f\u0936 \u0915\u0930\u0947\u0902\u0917\u0947\u0964 \u0938\u093e\u0925 \u092e\u0947\u0902 \u090f\u0915 \u092c\u094d\u0930\u094b\u0915\u0930 \u0915\u0940 \u0924\u0930\u0939 \u0939\u092e \u091c\u093f\u0928 \u0930\u093f\u0938\u094d\u0915 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0939\u093e\u092f\u0930-\u0930\u093f\u0938\u094d\u0915 \u092a\u094d\u0930\u094b\u0921\u0915\u094d\u091f \u092a\u0930 \u091f\u094d\u0930\u0947\u0921 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u0938\u094d\u091f\u092e\u0930\u094b\u0902 \u0915\u093e \u092a\u0930\u092b\u0949\u0930\u092e\u0947\u0902\u0938, \u0915\u093f\u0938\u0940 \u092d\u0940 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u091f\u0947\u0915\u094d\u0928\u093f\u0915\u0932 \u0907\u0936\u0942 \u0915\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f, \u0915\u0938\u094d\u091f\u092e\u0930 \u0938\u092a\u094b\u0930\u094d\u091f \u092a\u0930\u092b\u0949\u0930\u092e\u0947\u0902\u0938 \u092a\u0930 \u0939\u092e\u093e\u0930\u0947 \u0907\u0902\u091f\u0930\u0928\u0932 \u092e\u0948\u091f\u094d\u0930\u093f\u0915\u094d\u0938 \u0914\u0930 \u0915\u094d\u0935\u093e\u0932\u093f\u091f\u0940 \u0914\u0930 \u092d\u0940 \u092c\u0939\u0941\u0924 \u0915\u0941\u091b \u092c\u093e\u0924\u094b\u0902 \u092a\u0930 \u0905\u092a\u0921\u0947\u091f \u0926\u0947\u0902\u0917\u0947\u0964<\/p>\n<h3>\u092c\u093f\u095b\u0928\u0947\u0938<\/h3>\n<p><a href=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/nYc9W-monthly-accounts-opened.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-339228 aligncenter\" src=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/nYc9W-monthly-accounts-opened.png\" alt=\"\" width=\"616\" height=\"416\" srcset=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/nYc9W-monthly-accounts-opened.png 616w, https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/nYc9W-monthly-accounts-opened-300x203.png 300w\" sizes=\"auto, (max-width: 616px) 100vw, 616px\" \/><\/a><\/p>\n<p><a href=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/DlwMl-zerodha-s-active-clients-as-a-of-nbsp-nse-s-total-active-clients.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-339255 aligncenter\" src=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/DlwMl-zerodha-s-active-clients-as-a-of-nbsp-nse-s-total-active-clients.png\" alt=\"\" width=\"616\" height=\"416\" srcset=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/DlwMl-zerodha-s-active-clients-as-a-of-nbsp-nse-s-total-active-clients.png 616w, https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/DlwMl-zerodha-s-active-clients-as-a-of-nbsp-nse-s-total-active-clients-300x203.png 300w\" sizes=\"auto, (max-width: 616px) 100vw, 616px\" \/><\/a><\/p>\n<p><a href=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/YRlOD-revenue-amp-pat-in-rs-crores-.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-339229 aligncenter\" src=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/YRlOD-revenue-amp-pat-in-rs-crores-.png\" alt=\"\" width=\"616\" height=\"416\" srcset=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/YRlOD-revenue-amp-pat-in-rs-crores-.png 616w, https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/YRlOD-revenue-amp-pat-in-rs-crores--300x203.png 300w\" sizes=\"auto, (max-width: 616px) 100vw, 616px\" \/><\/a><\/p>\n<p>\u092e\u093e\u0930\u094d\u091a 2020, \u091c\u092c\u0938\u0947 \u0915\u094b\u0935\u093f\u0921 \u0906\u092f\u093e \u0939\u0948, \u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0940 \u091f\u0940\u092e \u0915\u094b \u090f\u0915 \u0908\u092e\u0947\u0932 \u092d\u0947\u091c\u093e \u091c\u093f\u0938\u092e\u0947 \u092e\u0948\u0902\u0928\u0947 \u0915\u0939\u093e \u0915\u093f \u0939\u092e \u0910\u0938\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 \u091c\u093e \u0930\u0939\u0947 \u0939\u0948\u0902 \u091c\u0939\u093e\u0901 \u0939\u092e\u093e\u0930\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u092a\u0930 \u092b\u0930\u094d\u0915 \u092a\u095c \u0938\u0915\u0924\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938 \u0938\u092e\u092f \u0939\u092e\u0947\u0902 \u092c\u093f\u095b\u0928\u0947\u0938 \u092a\u0930 \u0915\u093e\u092b\u0940 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u0915\u0940 \u091c\u0930\u0941\u0930\u0924 \u0939\u0948\u0964 \u091c\u0948\u0938\u093e \u0915\u093f \u0917\u094d\u0930\u093e\u092b \u092e\u0947\u0902 \u0926\u093f\u0916\u093e\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u092e\u0948\u0902 \u0907\u0938 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u092d\u0935\u093f\u0937\u094d\u092f\u0935\u093e\u0923\u0940 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0917\u0932\u0924 \u0925\u093e\u0964 \u0914\u0930 \u0924\u092c\u0938\u0947 \u0939\u092e\u093e\u0930\u0947 \u0915\u0938\u094d\u091f\u092e\u0930, \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u0914\u0930 \u092a\u094d\u0930\u0949\u092b\u093f\u091f \u092e\u0947\u0902 5 \u0917\u0941\u0928\u093e \u0915\u0940 \u092c\u095d\u094b\u0924\u0930\u0940 \u0939\u0941\u092f\u0940 \u0939\u0948\u0964<\/p>\n<p>\u0939\u092e\u093e\u0930\u0947 \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u092e\u0947\u0902, ~25% \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u091f\u094d\u0930\u093e\u0902\u0938\u0915\u094d\u0936\u0928 \u091a\u093e\u0930\u094d\u091c\u0947\u0938 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0939\u092e \u0915\u0938\u094d\u091f\u092e\u0930\u094d\u0938 \u0938\u0947 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0938\u0940\u0927\u0947 \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c\u0947\u0938 \u0915\u094b \u0926\u0947 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0932\u093f\u090f \u092f\u0939 \u0939\u092e\u093e\u0930\u093e \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u0928\u0939\u0940\u0902 \u0939\u0948 \u0914\u0930 \u0907\u0938\u0947 \u0939\u091f\u093e\u0928\u0947 \u092a\u0930, \u0939\u092e\u093e\u0930\u0940 \u092e\u093e\u0930\u094d\u091c\u093f\u0928\u094d\u0938(PBT\/Revenue) ~70% \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0906\u091c \u0939\u092e\u093e\u0930\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u093e \u0928\u0947\u091f\u0935\u0930\u094d\u0925 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u092e\u092f \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0915\u0947 \u0930\u0916\u0947 \u0939\u0941\u090f \u092b\u0902\u0921\u094d\u0938 \u0915\u093e ~30% \u0939\u0948\u0964 \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u0915\u0947 \u0915\u0941\u0932 \u092b\u0902\u0921\u094d\u0938 \u0915\u093e 30% \u0915\u0948\u092a\u093f\u091f\u0932 \u0930\u0916\u0928\u0947 \u0915\u093e \u092e\u0924\u0932\u092c \u092f\u0939 \u0939\u0948 \u0915\u093f \u0939\u092e \u0915\u0948\u092a\u093f\u091f\u0932 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0936\u093e\u092f\u0926 \u0935\u093f\u0936\u094d\u0935 \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092c\u094d\u0930\u094b\u0915\u0930\u094d\u0938 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u0939\u0948\u0902\u0964 \u0936\u0941\u0930\u0935\u093e\u0924 \u0938\u0947 \u0939\u0940 \u0939\u092e\u093e\u0930\u0947 \u090a\u092a\u0930 \u0915\u094b\u0908 \u0958\u0930\u094d\u095b \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0939\u092e\u093e\u0930\u0947 \u0907\u0938 \u0938\u092b\u0930 \u092e\u0947\u0902 \u0939\u092e \u0915\u0908 \u092c\u093e\u0930 \u0938\u0939\u0940 \u0938\u092e\u092f \u092a\u0930 \u0938\u0939\u0940 \u091c\u0917\u0939 \u092a\u0930 \u0925\u0947, \u091c\u093f\u0938\u0915\u0947 \u0915\u093e\u0930\u0923 \u0939\u092e\u093e\u0930\u0947 \u092a\u094d\u0930\u0949\u095e\u093f\u091f\u094d\u0938 \u092c\u0922\u0947 \u0914\u0930 \u0939\u092e\u093e\u0930\u093e \u0928\u0947\u091f\u0935\u0930\u094d\u0925 \u092c\u095d\u093e\u0964 \u0907\u0938 \u0935\u091c\u0939 \u0938\u0947 \u092c\u094d\u0930\u094b\u0915\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0928\u090f \u0928\u093f\u092f\u092e (higher working capital) \u0906\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u0939\u092e\u0947\u0902 \u0915\u0948\u092a\u093f\u091f\u0932 \u0915\u0940 \u0915\u092e\u0940 \u0928\u0939\u0940\u0902 \u092a\u095c\u0940\u0964<\/p>\n<p>\u0939\u092e \u091c\u093f\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0907\u0938 \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u094b \u091a\u0932\u093e\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0939\u092e\u093e\u0930\u0947 \u092a\u094d\u0930\u094b\u0921\u0915\u094d\u091f \u0914\u0930 \u092b\u093f\u0932\u0949\u0938\u094b\u092b\u093f\u090f\u0938 \u0939\u092e\u093e\u0930\u0940 \u0938\u092b\u0932\u0924\u093e \u0915\u093e \u0915\u093e\u0930\u0923 \u0939\u0948, \u0907\u0928 \u092c\u093e\u0924\u094b\u0902 \u0928\u0947 \u0939\u092e\u093e\u0930\u0947 \u0914\u0930 \u0907\u0938 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u0947 \u092c\u095d\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u090f\u0915 \u0914\u0930 \u0915\u093e\u0930\u0923 \u092d\u093e\u0930\u0924 \u0915\u093e \u092c\u0941\u0932 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0939\u0948\u0964 eKYC, \u0911\u0928\u0932\u093e\u0907\u0928 \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u093f\u0917\u094d\u0928\u0947\u091a\u0930 \u0914\u0930 UPI \u091c\u0948\u0938\u0947 \u0921\u0947\u0935\u0932\u092a\u092e\u0947\u0902\u091f\u094d\u0938 \u0928\u0947 \u092c\u0939\u0941\u0924 \u092c\u095c\u0940 \u092e\u093e\u0924\u094d\u0930\u093e \u092e\u0947\u0902 \u0911\u092b\u0932\u093e\u0907\u0928 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u094b \u0911\u0928\u0932\u093e\u0907\u0928, \u092a\u0947\u092a\u0930-\u0932\u0947\u0938 \u092e\u0947\u0902 \u092c\u0926\u0932 \u0926\u093f\u092f\u093e, \u091c\u093f\u0938\u0938\u0947 \u092c\u0939\u0941\u0924 \u092c\u095c\u0940 \u0938\u0902\u0916\u094d\u092f\u093e \u092e\u0947\u0902 \u0932\u094b\u0917\u094b\u0902 \u0928\u0947 \u092d\u093e\u0917 \u0932\u093f\u092f\u093e \u0914\u0930 \u0916\u093e\u0938\u0915\u0930 \u0939\u092e\u093e\u0930\u0947 \u0915\u0938\u094d\u091f\u092e\u0930\u094b\u0902 \u0928\u0947 \u0939\u092e\u0947\u0902 \u0935\u0930\u094d\u0921- \u0911\u095e-\u092e\u093e\u0909\u0925(word-of-mouth) \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0939\u092e\u0947\u0902 \u091a\u0941\u0928\u093e\u0964<\/p>\n<p>\u0939\u092e\u093e\u0930\u0947 \u0939\u093e\u092f\u0930 \u0917\u094d\u0930\u0949\u0938 \u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u0915\u093e \u0915\u093e\u0930\u0923 \u0939\u092e\u093e\u0930\u093e \u0938\u0939\u0940 \u0928\u093f\u0930\u094d\u0923\u092f \u0914\u0930 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0939\u0948\u0964<\/p>\n<ul>\n<li>\u0939\u092e \u0915\u094b\u0908 \u092d\u0940 \u092a\u0948\u0938\u093e \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u093f\u0902\u0917 \u092f\u093e \u090f\u0921\u0935\u0930\u091f\u093e\u0907\u091c\u093f\u0902\u0917 \u092a\u0930 \u0916\u0930\u094d\u091a \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<li>\u0939\u092e\u093e\u0930\u093e \u091f\u0947\u0915 \u0907\u0902\u092b\u094d\u0930\u093e\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u091a\u0930 high quality Free and open source software (FOSS) \u0915\u093e \u092c\u0928\u093e \u0939\u0948 \u091c\u093f\u0938\u0947 \u0939\u092e\u093e\u0930\u0940 \u0916\u0941\u0926 \u0915\u0940 \u091f\u0940\u092e \u092e\u0947\u0928\u094d\u091f\u0947\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n<li>\u0939\u092e \u092c\u093e\u0939\u0930 \u0915\u0947 SaaS\/\u0935\u0947\u0902\u0921\u0930 \u0914\u0930 \u0932\u0949\u0915-\u0907\u0928 \u0914\u0930 \u0938\u0947\u0932\u094d\u092b-\u0939\u094b\u0938\u094d\u091f \u0938\u093f\u0938\u094d\u091f\u092e \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0928\u0939\u0940\u0902 \u0939\u0948 \u0914\u0930 \u0907\u0928\u0915\u0947 \u0909\u092a\u092f\u094b\u0917 \u0938\u0947 \u092c\u091a\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<li>\u0939\u092e\u0928\u0947 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u0947 \u091f\u094d\u0930\u0947\u0902\u0921 \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924 \u0916\u0941\u0926 \u0915\u094b \u0938\u0939\u0940 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u0927\u0940\u0930\u0947 \u0927\u0940\u0930\u0947 \u0906\u0917\u0947 \u092c\u095d\u093e\u092f\u093e \u0939\u0948\u0964<\/li>\n<li>\u0939\u092e \u0907\u0938 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0915\u093e\u092b\u0940 \u0938\u093e\u0935\u0927\u093e\u0928 \u0930\u0939\u0947\u0902 \u0939\u0948 \u0915\u093f \u091c\u092c \u092c\u093f\u095b\u0928\u0947\u0938 \u0905\u091a\u094d\u091b\u093e \u0939\u094b \u0924\u092c \u0939\u092e \u092c\u095c\u0947 \u092c\u095c\u0947 \u0915\u092e\u093f\u091f\u092e\u0947\u0902\u091f\u0938 \u0928\u093e \u0932\u0947\u0902 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0936\u0949\u0930\u094d\u091f \u091f\u0930\u094d\u092e \u0915\u0947 \u092c\u0942\u092e \u0915\u0947 \u092c\u093e\u0926 \u0930\u0947\u0935\u0947\u0930\u094d\u0938\u0928 \u0914\u0930 \u0915\u0930\u0947\u0915\u094d\u0936\u0902\u0938 (reversions and corrections) \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<h3>\u0939\u092e \u0905\u092a\u0928\u0940 \u0938\u092b\u0932\u0924\u093e \u0915\u0947 \u092c\u093e\u0926 \u0915\u094d\u092f\u093e \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902?<\/h3>\n<p>\u090f\u0915 \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u0940 \u0924\u0930\u0939 \u0939\u092e\u0928\u0947 \u092a\u093f\u091b\u0932\u0947 \u0915\u0941\u091b \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0915\u094d\u0915\u0940 \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u094c\u092d\u093e\u0917\u094d\u092f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u093f\u092f\u093e\u0964 \u0936\u0941\u0930\u0941\u0935\u093e\u0924 \u0915\u0947 \u0926\u093f\u0928\u094b\u0902 \u0938\u0947 \u0939\u0940 \u0939\u092e\u0928\u0947 \u0939\u092e\u093e\u0930\u0947 \u092a\u093e\u0938 \u0909\u092a\u0932\u092c\u094d\u0927 \u0938\u093e\u0927\u0928\u094b\u0902 \u0938\u0947 \u092c\u0939\u0941\u0924 \u0938\u093e\u0930\u0940 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u092e\u0938\u094d\u092f\u093e\u093e\u0913\u0902 \u0915\u094b \u0938\u092a\u094b\u0930\u094d\u091f \u0915\u093f\u092f\u093e\u0964 \u0932\u0947\u0915\u093f\u0928, \u092a\u093f\u091b\u0932\u0947 2 \u0938\u093e\u0932\u094b\u0902 \u0928\u0947 \u0939\u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u092b\u093e\u0907\u0928\u0947\u0902\u0938\u093f\u092f\u0932 \u0938\u092b\u0932\u0924\u093e \u0926\u0940\u0964 \u0907\u0938\u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926 \u0939\u092e \u092f\u0939 \u092e\u093e\u0928\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u092a\u0948\u0938\u0947 \u0915\u093e \u090f\u0915 \u0939\u0940 \u091c\u0917\u0939 \u092a\u0930 \u0930\u0939\u0928\u093e \u092d\u0940 \u090f\u0915 \u092c\u095c\u0940 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u092e\u0938\u094d\u092f\u093e \u0939\u0948\u0964 \u0909\u0938\u0915\u0947 \u092c\u093e\u0926 \u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 (climate change) \u0915\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0939\u0948 \u091c\u093f\u0938\u0938\u0947 \u0938\u093f\u0930\u094d\u092b \u092e\u0928\u0941\u0937\u094d\u092f\u094b\u0902 \u092a\u0930 \u0939\u0940 \u0928\u0939\u0940\u0902 \u092c\u0932\u094d\u0915\u093f \u0907\u0938 \u0927\u0930\u0924\u0940 \u0915\u0940 \u0939\u0930 \u092a\u094d\u0930\u091c\u093e\u0924\u093f \u092a\u0930 \u092b\u0930\u094d\u0915 \u092a\u095c\u0947\u0917\u093e\u0964<\/p>\n<p>\u0939\u092e\u0928\u0947 \u0907\u0938\u0940 \u0938\u092e\u0938\u094d\u092f\u093e ,\u091c\u094b \u092e\u093e\u0928\u0935\u0924\u093e \u0915\u0947 \u0932\u093f\u090f \u090f\u0915\u092e\u093e\u0924\u094d\u0930 \u0916\u0924\u0930\u093e \u0939\u0948\u0902, \u092a\u0930 \u092b\u094b\u0915\u0938 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f 2020 \u092e\u0947\u0902 <a href=\"https:\/\/rainmatter.org\/\">Rainmatter Foundation<\/a> \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0915\u0940, \u091c\u094b \u0915\u093f \u090f\u0915 \u0928\u0949\u0928-\u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0906\u0930\u094d\u0917\u0947\u0928\u093e\u0908\u091c\u0947\u0936\u0928 \u0939\u0948\u0964 \u092f\u0939 \u0938\u0902\u0938\u094d\u0925\u093e \u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 (climate change), \u0907\u0915\u094b\u0932\u0949\u091c\u093f\u0915\u0932 \u0930\u0947\u0938\u094d\u091f\u094b\u0930\u0947\u0936\u0928 (ecological restoration) \u092a\u0930 \u092b\u094b\u0915\u0938 \u0915\u0930\u0935\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939 \u090f\u0915 \u0910\u0938\u093e \u092e\u0941\u0926\u094d\u0926\u093e \u0939\u0948 \u091c\u093f\u0938\u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u092c\u093e\u0924 \u0928\u0939\u0940\u0902 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0939\u092e\u0928\u0947 Rs 750 \u0915\u0930\u094b\u0921\u093c \u092e\u0947\u0902 \u0938\u0947 \u092e\u0941\u0916\u094d\u092f \u0930\u0942\u092a \u0938\u0947 \u0907\u0928 \u0915\u093e\u0930\u0923\u094b\u0902 \u092e\u0947\u0902 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u0902\u0915\u0932\u094d\u092a \u0932\u093f\u092f\u093e \u0925\u093e, \u0914\u0930 \u0932\u0917\u092d\u0917 Rs 300 \u0915\u0930\u094b\u0921\u093c \u092a\u0939\u0932\u0947 \u0939\u0940 \u0926\u093f\u090f \u091c\u093e \u091a\u0941\u0915\u0947 \u0939\u0948\u0902\u0964 \u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 \u0910\u0938\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0939\u0948 \u091c\u093f\u0938\u0947 \u0915\u094b\u0908 \u091f\u0947\u0915\u094d\u0928\u094b\u0932\u0949\u091c\u0940 \u092f\u093e \u0915\u094b\u0908 \u0938\u0902\u0938\u094d\u0925\u093e \u0928\u0939\u0940\u0902 \u0938\u0941\u0932\u091d\u093e \u0938\u0915\u0924\u0940 \u0939\u0948 \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0939\u092e\u093e\u0930\u093e \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0939\u0948 \u0915\u093f \u091c\u094b \u0938\u093e\u0927\u0928 \u0939\u092e\u0928\u0947 \u0907\u0915\u091f\u094d\u0920\u0947 \u0915\u093f\u092f\u0947 \u0939\u0948, \u0909\u0928\u0915\u093e \u0938\u0939\u0940 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0924\u092d\u0940 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u092c \u0939\u092e \u0938\u092e\u093e\u091c \u0915\u0947 \u0907\u0938 \u0939\u093f\u0938\u094d\u0938\u0947 \u092e\u0947\u0902 \u092d\u0940 \u092f\u094b\u0917\u0926\u093e\u0928 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0938\u093f\u0930\u094d\u092b \u0939\u092e\u093e\u0930\u093e \u0938\u094b\u091a\u0928\u093e \u0939\u0940 \u0928\u0939\u0940\u0902 \u0939\u0948 \u092c\u0932\u094d\u0915\u093f \u092f\u0939\u0940 \u090f\u0915 \u0938\u0939\u0940 \u0938\u094b\u091a(common sense) \u0939\u0948\u0964 \u092f\u0926\u093f \u0938\u092e\u093e\u091c \u0939\u0940 \u0928\u0939\u0940\u0902 \u0939\u0948 \u0924\u094b \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u0948\u0938\u0947 \u0939\u094b\u0917\u093e ! \u092f\u0939\u093e\u0902 \u0915\u0941\u091b <a href=\"https:\/\/rainmatter.org\/projects\/\">\u0906\u0930\u094d\u0917\u0947\u0928\u093e\u0908\u091c\u0947\u0936\u0928 \u0915\u0940 \u0932\u093f\u0938\u094d\u091f<\/a> \u0939\u0948 \u091c\u093f\u0938 \u092a\u0930 Rainmatter Foundation \u0915\u093e\u092e \u0915\u0930 \u0930\u0939\u093e \u0939\u0948\u0964<\/p>\n<p>\u0928\u0949\u0928-\u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0906\u0930\u094d\u0917\u0947\u0928\u093e\u0908\u091c\u0947\u0936\u0928 \u0914\u0930 \u0907\u0928\u0915\u0947 \u0915\u093e\u0930\u0923\u094b\u0902 \u0915\u094b \u0938\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0928\u0947 \u0915\u0947 \u0906\u0932\u093e\u0935\u093e, \u0939\u092e \u0907\u0928 \u091b\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u090f\u0902\u091f\u0930\u092a\u094d\u0930\u0947\u0928\u094d\u092f\u094b\u0930\u0936\u093f\u092a (entrepreneurship) \u0915\u094b \u092d\u0940 \u0938\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u092e\u0928\u0947 \u092b\u0949\u0930-\u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f \u0915\u094b \u0907\u0938 \u0924\u0930\u0939 \u0938\u0947 \u092c\u0928\u093e\u092f\u093e \u0939\u0948 \u0915\u093f \u0939\u092e\u093e\u0930\u093e \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u093e \u092a\u094d\u0930\u0949\u092b\u093f\u091f \u092b\u093e\u0909\u0902\u0921\u0947\u0936\u0928 \u0915\u094b 100% \u091c\u093e\u092f\u0947\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u0939\u092e Zerodha \u0915\u0947 \u0939\u0930 \u0938\u093e\u0932 \u0915\u0947 \u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0915\u093e \u0915\u092e \u0938\u0947 \u0915\u092e 15% \u092b\u093e\u0909\u0902\u0921\u0947\u0936\u0928 \u0915\u094b \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>\u092a\u0942\u0930\u0947 \u0907\u0915\u094b\u0938\u093f\u0938\u094d\u091f\u092e \u092e\u0947\u0902 \u090f\u0915 \u0925\u0940\u0938\u093f\u0938 \u0915\u0947 \u0938\u093e\u0925 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930\u0928\u0947 \u0915\u093e \u0935\u093f\u091a\u093e\u0930 Rainmatter Fintech \u0915\u0947 \u0938\u093e\u0925 2016 \u092e\u0947\u0902 \u0906\u092f\u093e, \u091c\u0939\u093e\u0901 \u0939\u092e\u0928\u0947 \u0909\u0928 \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a \u0915\u094b \u0938\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0915\u0940, \u091c\u094b \u0915\u0948\u092a\u093f\u091f\u0932 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0915\u0947 \u0907\u0915\u094b\u0938\u093f\u0938\u094d\u091f\u092e \u0915\u094b \u092c\u095d\u093e \u0938\u0915\u0924\u0947 \u0925\u0947 \u0914\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f\u0930\u094d\u0938 \u0915\u094b \u0909\u0928\u0915\u0947 \u092a\u0948\u0938\u0947 \u0915\u094b \u092c\u095d\u093e\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0925\u0947\u0964 \u092f\u0939\u093e\u0901 <a href=\"https:\/\/rainmatter.com\/\">\u0909\u0928 \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a \u0915\u0940 \u0932\u093f\u0938\u094d\u091f<\/a> \u0939\u0948, \u091c\u093f\u0928\u0915\u0940 \u092e\u0926\u0926 \u092b\u093f\u0928\u091f\u0947\u0915 \u0915\u0947 \u092b\u0923\u094d\u0921 \u0938\u0947 \u0939\u0941\u092f\u0940 \u0939\u0948\u0964<\/p>\n<p>\u0939\u092e\u093e\u0930\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u0947 \u092a\u094d\u0930\u0949\u092b\u093f\u091f\u0947\u092c\u0932 \u0939\u094b\u0928\u0947 \u0915\u093e \u090f\u0915 \u092e\u0924\u0932\u092c \u092f\u0939 \u092d\u0940 \u0939\u0948 \u0915\u093f \u0939\u092e \u0926\u0947\u0936 \u0915\u094b \u0907\u0928\u0915\u092e \u091f\u0948\u0915\u094d\u0938 \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u092e\u0926\u0926 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964 March 2019 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0905\u092c \u0924\u0915 \u0939\u092e\u0928\u0947 Rs 1800 \u0915\u0930\u094b\u095c \u0915\u093e \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u091f\u0948\u0915\u094d\u0938 \u0926\u093f\u092f\u093e \u0939\u0948\u0964<\/p>\n<h3>\u0930\u093f\u0938\u094d\u0915<\/h3>\n<h4>\u0939\u093e\u0908 \u092c\u0940\u091f\u093e \u092c\u093f\u095b\u0928\u0947\u0938<\/h4>\n<p>\u0932\u094b\u0917 \u0938\u094b\u091a\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0939\u0930 \u092c\u0941\u0932 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0915\u0940 \u090a\u0902\u091a\u093e\u0908 \u092a\u0930 \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u092b\u0930\u094d\u092e \u091c\u0948\u0938\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u0905\u091a\u094d\u091b\u093e \u092a\u0948\u0938\u093e \u0915\u092e\u093e\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0939\u092e\u0947\u0936\u093e \u0915\u0947 \u0932\u093f\u090f \u0915\u0948\u0936 \u091c\u0947\u0928\u0947\u0930\u0947\u091f \u0915\u0930\u0915\u0947 \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0938\u091a \u0928\u0939\u0940\u0902 \u0939\u0948, \u0939\u092e\u093e\u0930\u093e \u092c\u093f\u095b\u0928\u0947\u0938 \u092e\u093e\u0930\u094d\u0915\u0947\u091f (\u0939\u093e\u0908 \u092c\u0940\u091f\u093e) \u0914\u0930 \u0909\u0924\u093e\u0930-\u091a\u0922\u093e\u0935 \u092a\u0930 \u0915\u093e\u092b\u0940 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u092c\u0941\u0932 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u090f\u0915 \u0938\u094d\u0924\u0930 \u092a\u0930 \u0930\u0942\u0915 \u091c\u093e\u0924\u093e \u0939\u0948 \u092f\u093e \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u094d\u0938 \u0915\u093e \u091f\u094d\u0930\u0947\u0902\u0921 \u0928\u0940\u091a\u0947 \u0939\u094b\u0924\u093e \u0939\u0948 \u0924\u094b \u0939\u092e\u093e\u0930\u0947 \u092b\u093e\u0907\u0928\u0947\u0902\u0938\u093f\u092f\u0932\u0938 \u092a\u0930 \u0924\u0941\u0930\u0902\u0924 \u092b\u0930\u094d\u0915 \u092a\u095c\u0924\u093e \u0939\u0948\u0964 \u091a\u093e\u0939\u0947 \u0935\u0939 \u0938\u0928 2000 \u0915\u0940 \u0936\u0941\u0930\u0941\u0935\u093e\u0924 \u0939\u094b, 2008 \u0915\u093e \u0917\u094d\u0932\u094b\u092c\u0932 \u092b\u093e\u0907\u0928\u0947\u0902\u0938\u093f\u092f\u0932 \u0915\u094d\u0930\u093e\u0907\u0938\u093f\u0938 \u0939\u094b \u092f\u093e US (2022) \u092e\u0947\u0902 \u0905\u092d\u0940 \u0915\u093e \u0938\u092e\u092f \u0939\u094b\u0964 \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u092b\u0930\u094d\u092e \u0915\u093e \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u0924\u0941\u0930\u0902\u0924 \u0917\u093f\u0930\u0924\u093e \u0939\u0948 \u091c\u0948\u0938\u0940 \u0939\u0940 \u092c\u0941\u0932 (bulls) \u091f\u094d\u0930\u0947\u0921 \u0915\u0930\u0928\u093e \u092c\u0902\u0926 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>\u091c\u0948\u0938\u093e \u0915\u093f \u0906\u092a \u092a\u0939\u0932\u0947 \u0917\u094d\u0930\u093e\u092b \u092e\u0947\u0902 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0939\u092e\u0928\u0947 \u091c\u0928\u0935\u0930\u0940 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0905\u092c \u0924\u0915 \u0916\u0941\u0932\u0928\u0947 \u0935\u093e\u0932\u0947 \u0905\u0915\u093e\u0909\u0902\u091f \u092e\u0947\u0902 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0932\u0917\u092d\u0917 50% \u0915\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0926\u0947\u0916\u0940 \u0939\u0948 \u0914\u0930 \u092f\u0939\u0940 \u091f\u094d\u0930\u0947\u0902\u0921 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u092e\u0947\u0902 \u0938\u092d\u0940 \u0915\u0947 \u0932\u093f\u090f \u0939\u0948\u0964 \u0928\u090f \u0905\u0915\u093e\u0909\u0902\u091f \u0916\u0941\u0932\u0928\u0947 \u092e\u0947\u0902 \u0915\u092e\u0940 \u0906\u092f\u0940 \u0939\u0948 \u0932\u0947\u0915\u093f\u0928 \u0907\u0902\u0921\u0938\u094d\u091f\u094d\u0930\u0940 \u092e\u0947\u0902 \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u092e\u0947\u0902 \u0915\u094b\u0908 \u0915\u092e\u0940 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0910\u0938\u093e \u0907\u0938\u0932\u093f\u090f \u0939\u0948 \u0915\u094d\u092f\u094b\u0915\u093f \u0939\u092e (all-time highs) \u0938\u092c\u0938\u0947 \u090a\u092a\u0930 \u0915\u0947 \u0938\u094d\u0924\u0930 \u092e\u0947\u0902 \u0939\u0948\u0964 \u092f\u0926\u093f \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u094d\u0938 \u0905\u091a\u094d\u091b\u0947 \u0938\u0947 \u092a\u0930\u092b\u0949\u0930\u094d\u092e \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u092e\u0947\u0902 \u0915\u093e\u092b\u0940 \u0915\u092e\u0940 \u0906\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0938\u093e\u0925 \u0939\u0940 \u0905\u0915\u093e\u0909\u0902\u091f \u0916\u0941\u0932\u0928\u0947 \u0915\u0947 \u0915\u092e\u0940 \u0915\u0947 \u0938\u093e\u0925 \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u092e\u0947\u0902 \u092d\u0940 \u0915\u092e\u0940 \u0926\u0947\u0916\u0928\u0947 \u0915\u094b \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0939\u092e \u0907\u0938 \u0938\u093e\u0932 \u092d\u0940 \u0909\u0924\u0928\u093e \u0939\u0940 \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u0914\u0930 \u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0925\u0947, \u091c\u093f\u0924\u0928\u093e \u0939\u092e\u0928\u0947 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\u092e\u0947\u0902 \u0915\u093e\u095e\u0940 \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u0915\u092e\u093e\u092f\u093e \u0925\u093e, \u0939\u092e\u0928\u0947 \u0909\u0938 \u0926\u093f\u0928 \u0909\u0938\u0947 \u0916\u094b \u0926\u093f\u092f\u093e \u0925\u093e\u0964 \u0905\u0932\u0917-\u0905\u0932\u0917 \u0938\u094d\u0915\u094d\u0930\u093f\u092a\u094b\u0902 \u092a\u0930 \u0907\u0938 \u0924\u0930\u0939 \u0915\u0940 \u0915\u0908 \u0918\u091f\u0928\u093e\u090f\u0901 \u0939\u0941\u0908 \u0939\u0948\u0902, \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902 \u091c\u092c GBPINR \u090f\u0915 \u0926\u093f\u0928 \u092e\u0947\u0902 ~4% \u092c\u0922\u093c \u0930\u0939\u093e \u0925\u093e \u091c\u092c \u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u0915\u0940 \u095b\u0930\u0942\u0930\u0924 ~2% \u0925\u0940\u0964 \u0907\u0938 \u0930\u093f\u0938\u094d\u0915 \u0938\u0947 \u092c\u091a\u0928\u0947 \u0915\u093e \u0915\u094b\u0908 \u0930\u093e\u0938\u094d\u0924\u093e \u0928\u0939\u0940\u0902 \u0939\u0948, \u0914\u0930 \u0939\u092e \u0915\u093f\u0938\u0940 \u092d\u0940 \u0926\u093f\u0928 \u090f\u0915 \u092c\u0921\u093c\u0940 \u0918\u091f\u0928\u093e \u0915\u0947 \u0938\u093e\u0925 \u091c\u093e\u0917 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u092a\u0942\u0930\u0947 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u092f\u093e \u0907\u0902\u0921\u093f\u0935\u093f\u091c\u0941\u0905\u0932 \u0938\u094d\u0915\u094d\u0930\u093f\u092a \u0915\u094b 20% \u0938\u0947 \u095b\u094d\u092f\u093e\u0926\u093e \u092f\u093e \u0915\u092e \u0924\u0915 \u0932\u0947 \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 \u0915\u094d\u0932\u093e\u0907\u0902\u091f \u092f\u0939\u093e\u0901 defaulter \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u092c \u092c\u094d\u0930\u094b\u0915\u0930 \u092a\u0930 \u092a\u0942\u0930\u0940 \u0932\u093e\u092f\u092c\u093f\u0932\u093f\u091f\u0940 \u0906 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964 \u0939\u092e \u0905\u092a\u0928\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u0940 \u0936\u0941\u0930\u0941\u0935\u093e\u0924 \u0938\u0947 \u0939\u0940 \u0905\u092a\u0928\u0947 \u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0915\u093e 10% \u090f\u0915 \u0935\u0949\u0930 \u091a\u0947\u0938\u094d\u091f \u092e\u0947\u0902 allocate \u0915\u0930 \u0930\u0939\u0947 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u093e\u0915\u093f \u091c\u092c \u092d\u0940 \u0915\u094b\u0908 black swan \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u092c \u0909\u0938\u0947 \u0915\u0935\u0930 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092f\u0947 \u092e\u0926\u0926 \u0915\u0930\u0947\u0964<\/p>\n<p>\u0915\u094b\u0908 \u092d\u0940 \u0930\u0947\u0917\u0941\u0932\u0947\u091f\u0930\u0940 \u092c\u0926\u0932\u093e\u0935, \u091a\u093e\u0939\u0947 \u0935\u0939 F&amp;O \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u094b\u0921\u0915\u094d\u091f \u091a\u0941\u0928\u0928\u093e \u0939\u094b, \u095b\u094d\u092f\u093e\u0926\u093e \u092e\u093e\u0930\u094d\u091c\u093f\u0928, STT \u092e\u0947\u0902 \u092c\u0922\u093c\u094b\u0924\u0930\u0940, \u092f\u093e \u092b\u093f\u0930 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0915\u0947 \u0909\u0924\u093e\u0930-\u091a\u095d\u093e\u0935 \u092e\u0947\u0902 \u0917\u093f\u0930\u093e\u0935\u091f, \u090f\u0915\u094d\u091f\u093f\u0935 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u0935\u0949\u0932\u094d\u092f\u0942\u092e \u0914\u0930 \u0939\u092e\u093e\u0930\u0947 \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u092e\u0947\u0902 \u0917\u093f\u0930\u093e\u0935\u091f \u0915\u093e \u0915\u093e\u0930\u0923 \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092e\u0948\u0902 \u0905\u092a\u0928\u0940 \u091f\u0940\u092e \u0938\u0947 \u0939\u092e\u0947\u0936\u093e \u0915\u0939\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0942\u0901 \u0915\u093f \u0939\u092e \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u092e\u0947\u0902 30% \u0915\u0940 \u0917\u093f\u0930\u093e\u0935\u091f \u0938\u0947 \u0938\u093f\u0930\u094d\u092b \u090f\u0915 \u0938\u0930\u094d\u0915\u0941\u0932\u0930 \u0926\u0942\u0930 \u0939\u0948\u0902\u0964 \u091c\u093f\u0938 \u0924\u0930\u0939 \u0938\u0947 \u0939\u092e \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948 \u0914\u0930 \u0939\u092e\u0928\u0947 \u0936\u0941\u0930\u0941\u0906\u0924 \u0938\u0947 \u091c\u094b \u092a\u094d\u0930\u0949\u092b\u093f\u091f \u0915\u092e\u093e\u092f\u093e \u0939\u0948 \u0909\u0938\u0915\u093e \u092c\u0939\u0941\u0924 \u0927\u0928\u094d\u092f\u0935\u093e\u0926 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0938\u0915\u0947 \u0935\u091c\u0939 \u0938\u0947 \u0939\u092e\u093e\u0930\u0947 \u092a\u093e\u0938 15 \u0935\u0930\u094d\u0937\u094b\u0902 \u0938\u0947 \u095b\u094d\u092f\u093e\u0926\u093e \u0915\u093e \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f \u092d\u0932\u0947 \u0939\u0940 \u0939\u092e\u0947\u0902 \u0905\u092a\u0928\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u092e\u0949\u0921\u0932 \u0915\u094b \u092c\u0926\u0932\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u091c\u092c\u0942\u0930 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u094b, \u0939\u092e\u093e\u0930\u0947 \u092a\u093e\u0938 \u0907\u0938 \u092a\u0930 \u0938\u094b\u091a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0938\u092e\u092f \u0939\u094b\u0917\u093e\u0964<\/p>\n<h4>\u0938\u092e\u094d\u092c\u0902\u0927\u093f\u0924 \u0930\u093f\u0938\u094d\u0915<\/h4>\n<p>\u0905\u092a\u0928\u0947 \u0916\u0941\u0926 \u0915\u0947 \u092b\u0902\u0921 \u0938\u0947, \u0939\u092e \u092c\u0948\u0902\u0915 FDs, \u0917\u0935\u0930\u094d\u0928\u092e\u0947\u0902\u091f \u092c\u0949\u0928\u094d\u0921 \u092e\u0947\u0902 \u0907\u0928\u094d\u0935\u0947\u0938\u094d\u091f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u090f\u0915 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\u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940\u095b \u092e\u0947\u0902 13 \u092a\u094d\u0930\u0924\u093f\u0936\u0924, \u091f\u0948\u0915\u094d\u0938-\u092b\u094d\u0930\u0940 \u092c\u0949\u0928\u094d\u0921 \u092e\u0947\u0902 9 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0914\u0930 \u0917\u094b\u0932\u094d\u0921 \u092c\u0949\u0928\u094d\u0921 \u092e\u0947\u0902 13 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u093e \u090f\u0915\u094d\u0938\u092a\u094b\u095b\u0930 \u0939\u0948\u0964<\/p>\n<p><a href=\"https:\/\/zerodhacapital.com\/\">Zerodha Capital<\/a>, \u091c\u094b \u0915\u0940 Zerodha \u0915\u0947 NBFC \u0915\u093e \u092d\u093e\u0917 \u0939\u0948, \u0932\u094b\u0928 \u0905\u0917\u0947\u0902\u0938\u094d\u091f \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940\u095b (LAS) \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947, \u0939\u092e\u0928\u0947 \u0905\u092c \u0924\u0915 \u0932\u0917\u092d\u0917 70 \u0915\u0930\u094b\u0921\u093c \u0930\u0941\u092a\u092f\u0947 \u0924\u0915 \u0915\u093e \u0932\u094b\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u092f\u093e \u0939\u0948\u0964 NBFC \u0917\u093e\u0907\u0921\u0932\u093e\u0907\u0928\u094d\u0938 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940\u095b \u092a\u0930 \u092e\u093f\u0928\u093f\u092e\u092e \u0939\u0947\u092f\u0930\u0915\u091f \u092f\u093e \u092e\u0948\u0915\u094d\u0938\u093f\u092e\u092e \u0932\u094b\u0928 50% \u0939\u0940 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0939\u092e \u0915\u0947\u0935\u0932 \u0938\u094d\u091f\u0949\u0915 \u0915\u0947 \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0915\u0947 \u0916\u093f\u0932\u093e\u095e \u0909\u0927\u093e\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u095e\u093f\u0932\u0939\u093e\u0932 \u092f\u0947 50 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0938\u0947 \u0915\u092e \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f, \u0907\u0938 \u092c\u093f\u095b\u0928\u0947\u0938 \u092e\u0947\u0902 \u092c\u0939\u0941\u0924 \u0915\u092e \u0930\u093f\u0938\u094d\u0915 \u0939\u0948\u0964 \u0915\u0938\u094d\u091f\u092e\u0930\u094d\u0938 \u091c\u094b \u0938\u094d\u091f\u0949\u0915 \u0939\u094b\u0932\u094d\u0921 \u0915\u0930\u0924\u0947, \u0909\u0928\u094d\u0939\u0947\u0902 \u095b\u094d\u092f\u093e\u0926\u093e \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f \u0928\u093e \u0926\u0947\u0928\u093e \u092a\u095c\u0947 \u0907\u0938 \u0907\u0930\u093e\u0926\u0947 \u0938\u0947 \u0939\u092e\u0928\u0947 LAS \u0936\u0941\u0930\u0941\u0935\u093e\u0924 \u0915\u093f \u0925\u0940\u0964 \u091a\u0942\u0902\u0915\u093f LAS \u0938\u0947\u092b \u0939\u0948, \u0939\u092e \u095e\u093f\u0932\u0939\u093e\u0932 10.5% \u092a\u0930 \u0909\u0927\u093e\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>\u0939\u092e\u0928\u0947 \u0905\u092a\u0928\u0947 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u092a\u0930 \u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u092b\u0902\u0921\u093f\u0902\u0917 \u0915\u093f \u0936\u0941\u0930\u0941\u0935\u093e\u0924 \u0928\u0939\u0940\u0902 \u0915\u093f \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0939\u092e \u092e\u093e\u0928\u0924\u0947 \u200b\u200b\u0939\u0948 \u0915\u093f \u092f\u0939 \u0930\u093f\u091f\u0947\u0932 \u0915\u0938\u094d\u091f\u092e\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u0940 \u092a\u094d\u0930\u094b\u0921\u0915\u094d\u091f \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0930\u093f\u091f\u0947\u0932 \u0915\u0938\u094d\u091f\u092e\u0930 \u092f\u0939 \u0938\u094b\u091a\u0915\u0930 \u0938\u094d\u091f\u0949\u0915 \u0916\u0930\u0940\u0926\u0924\u0947\u0902 \u0939\u0948 \u0915\u093f \u0915\u0940\u092e\u0924 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\u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0932\u093e\u0932\u091a \u0928\u0939\u0940\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0947\u0902\u0917\u0947 \u091c\u093f\u0938\u0938\u0947 \u091c\u092c \u091c\u093c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u092d\u0940 \u0939\u094b \u0935\u0939 \u0909\u0927\u093e\u0930 \u0932\u0947\u0915\u0930 \u091f\u094d\u0930\u0947\u0921 \u0915\u0930\u0947\u0964<\/p>\n<p>Zerodha \u0915\u0940 \u092a\u0942\u0930\u0940 \u091f\u0940\u092e ESOPs \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u092e\u0947\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u093f\u0938\u094d\u0938\u0947\u0926\u093e\u0930 \u0939\u0948\u0964 \u095b\u094d\u092f\u093e\u0926\u093e\u0924\u0930 \u0915\u0947 \u0932\u093f\u090f, \u092f\u0939 \u0909\u0928\u0915\u0947 \u0907\u0902\u0921\u093f\u0935\u093f\u091c\u0941\u0905\u0932 \u0928\u0947\u091f\u0935\u0930\u094d\u0925 \u0915\u093e \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u094b\u0917\u093e\u0964 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u092f\u0939 \u092d\u0940 \u0939\u0948 \u0915\u093f \u091f\u0940\u092e \u092e\u0947\u0902 \u0939\u0930 \u0915\u093f\u0938\u0940 \u0915\u094b \u092f\u0939 \u095b\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \u0939\u094b\u0917\u0940 \u0915\u0940 \u0915\u0938\u094d\u091f\u092e\u0930\u094d\u0938 \u0915\u0947 \u0938\u093e\u0925 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0924\u0930\u0939 \u0915\u093e \u0915\u094b\u0908 \u0938\u092e\u091d\u094c\u0924\u093e \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0964<\/p>\n<h3>Disclosure \u2013 \u091f\u0947\u0915\u094d\u0928\u093f\u0915\u0932 \u0907\u0936\u0942<\/h3>\n<p>\u0915\u094b\u0908 \u092d\u0940 \u091f\u0947\u0915 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e 100% \u0905\u092a-\u091f\u093e\u0907\u092e \u0914\u0930 0% \u091f\u0947\u0915\u094d\u0928\u093f\u0915\u0932 \u0907\u0936\u0942 \u0915\u0940 \u0917\u093e\u0930\u0902\u091f\u0940 \u0928\u0939\u0940\u0902 \u0926\u0947 \u0938\u0915\u0924\u093e, \u092d\u0932\u0947 \u0939\u0940 \u0935\u0947 \u0926\u0941\u0928\u093f\u092f\u093e \u0915\u0940 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u091f\u0947\u0915 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u0939\u094b\u0902\u0964 \u0959\u093e\u0938 \u0924\u094c\u0930 \u092a\u0930 \u0938\u094d\u091f\u0949\u0915 \u092c\u094d\u0930\u094b\u0915\u0930\u0947\u091c \u0930\u0940\u092f\u0932-\u091f\u093e\u0907\u092e \u0938\u093f\u0938\u094d\u091f\u092e \u0915\u0940 \u090f\u0915 \u092c\u0939\u0941\u0924 \u0939\u0940 \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0938\u0940\u0930\u0940\u095b \u0939\u0948, \u091c\u094b \u090f\u0915 \u0926\u0942\u0938\u0930\u0947 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 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\u0938\u0939\u0928\u093e \u0928\u093e \u092a\u095c\u0947\u0964<\/p>\n<p>\u091c\u092c \u092d\u0940 \u0915\u094b\u0908 \u091f\u0947\u0915\u094d\u0928\u093f\u0915\u0932 \u0938\u092e\u0938\u094d\u092f\u093e \u0906\u0924\u0940 \u0939\u0948 (15 \u092e\u093f\u0928\u091f \u0938\u0947 \u095b\u094d\u092f\u093e\u0926\u093e \u0938\u092e\u092f \u0915\u0947 \u0932\u093f\u090f \u091f\u094d\u0930\u0947\u0921 \u0915\u094b \u0905\u0938\u0930 \u0915\u0930\u0924\u093e \u0939\u094b), \u0924\u092c \u0939\u092e\u0947\u0902 \u092f\u0947 \u0906\u0926\u0947\u0936 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0915\u0940 \u0939\u092e \u0907\u0938\u0915\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f 2 \u0918\u0902\u091f\u0947 \u0915\u0947 \u0905\u0902\u0926\u0930 \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c\u094b\u0902 \u0915\u094b \u0915\u0930\u0947\u0902, \u0907\u0938\u0915\u0947 \u092c\u093e\u0926 \u0905\u0917\u0932\u0947 \u0926\u093f\u0928 preliminary 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\u0907\u0938\u0932\u093f\u090f \u091c\u092c \u0939\u092e \u0905\u092a\u0928\u0947 \u092c\u093f\u095b\u0928\u0947\u0938 \u0915\u094b \u0926\u0947\u0916\u0924\u0947 \u0939\u0948\u0902, \u0924\u092c \u0939\u092e\u0947\u0902 \u0932\u0917\u0924\u093e \u0939\u0948 \u0915\u093f \u0905\u092a\u0928\u0947 \u0915\u0938\u094d\u091f\u092e\u0930\u094d\u0938 \u0915\u093f \u0939\u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0928\u0940 \u091a\u093e\u0939\u093f\u090f \u091c\u094b \u0932\u0902\u092c\u0947 \u0938\u092e\u092f \u0924\u0915 \u0909\u0928\u0915\u0947 \u0915\u093e\u092e \u0906\u090f\u0964 \u0907\u0938\u0915\u0947 \u091a\u0932\u0924\u0947 \u092d\u0932\u0947 \u0939\u0940 \u0936\u0949\u0930\u094d\u091f \u091f\u0930\u094d\u092e \u0915\u0947 \u0932\u093f\u090f \u0939\u092e\u0947\u0902 \u0905\u092a\u0928\u093e \u0930\u0947\u0935\u0947\u0928\u094d\u092f\u0942 \u0915\u092e \u0915\u0930\u0928\u093e \u092a\u095c\u0947\u0964 \u0939\u092e \u0909\u0928\u094d\u0939\u0947\u0902 \u092c\u0924\u093e\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948 \u0915\u093f \u0938\u094d\u091f\u0949\u0915 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u092e\u0947\u0902 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0914\u0930 \u091c\u0932\u094d\u0926 \u092a\u0948\u0938\u0947 \u0928\u0939\u0940\u0902 \u0915\u092e\u093e\u090f \u091c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0964 \u0939\u092e \u0909\u0928\u094d\u0939\u0947\u0902 \u0930\u093f\u0938\u094d\u0915 \u0932\u0947\u0928\u0947 \u0938\u0947 \u092c\u091a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0915\u0947 \u091a\u0932\u0924\u0947 \u0935\u0947 \u092a\u0948\u0938\u0947 \u0938\u0947 \u091c\u0941\u095c\u0947 \u0938\u0939\u0940 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947 \u0938\u0915\u0947\u0964<\/p>\n<h3>Disclosure &#8211; \u0915\u0938\u094d\u091f\u092e\u0930 \u0930\u0947\u091f\u093f\u0902\u0917\u094d\u0938<\/h3>\n<p><a href=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/eyxXI-average-support-call-ticket-ratings.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-339230 aligncenter\" src=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/eyxXI-average-support-call-ticket-ratings.png\" alt=\"\" width=\"616\" height=\"416\" srcset=\"https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/eyxXI-average-support-call-ticket-ratings.png 616w, https:\/\/zerodha.com\/z-connect\/wp-content\/uploads\/2022\/12\/eyxXI-average-support-call-ticket-ratings-300x203.png 300w\" sizes=\"auto, (max-width: 616px) 100vw, 616px\" \/><\/a><\/p>\n<p>\u0905\u0917\u0938\u094d\u0924 2021 \u0915\u0947 \u0906\u0938\u092a\u093e\u0938 \u0930\u0947\u091f\u093f\u0902\u0917 \u092e\u0947\u0902 \u0915\u093e\u095e\u0940 \u0938\u0941\u0927\u093e\u0930 \u0924\u092c \u0939\u0941\u0906 \u091c\u092c \u0939\u092e\u0928\u0947 \u0905\u092a\u0928\u0940 \u0907\u0928\u092c\u093e\u0909\u0902\u0921 \u0938\u0947\u0932\u094d\u0938 \u091f\u0940\u092e \u0915\u094b \u0938\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u093f\u092f\u093e \u0925\u093e\u0964<\/p>\n<p>\u0939\u092e \u0915\u0949\u0932 \u0914\u0930 \u091f\u093f\u0915\u091f \u0926\u094b\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u0940 \u0930\u0947\u091f\u093f\u0902\u0917 \u0915\u094b \u0917\u0902\u092d\u0940\u0930\u0924\u093e \u0938\u0947 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0907\u0938\u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0939\u092e\u093e\u0930\u0947 \u0907\u0902\u091f\u0930\u0948\u0915\u094d\u0936\u0928 \u0915\u0940 \u0913\u0935\u0930\u0949\u0932 \u0915\u094d\u0935\u093e\u0932\u093f\u091f\u0940 \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u092e \u0932\u0917\u093e\u0924\u093e\u0930 \u0938\u0941\u0927\u093e\u0930 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093e\u092e \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0914\u0930 \u0906\u092a\u0915\u0940 \u0930\u0947\u091f\u093f\u0902\u0917 \u0938\u0947 \u0939\u092e\u0947\u0902 \u0915\u093e\u092b\u0940 \u092e\u0926\u0926 \u092e\u093f\u0932\u0947\u0917\u0940\u0964<\/p>\n<p>\u0906\u092a\u0915\u0940 \u0928\u093f\u0930\u0902\u0924\u0930 \u0938\u0930\u093e\u0939\u0928\u093e \u0914\u0930 \u0938\u092a\u094b\u0930\u094d\u091f \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u093e\u0930 \u092b\u093f\u0930 \u0938\u0947 \u0927\u0928\u094d\u092f\u0935\u093e\u0926\u0964 \u0905\u0917\u0930 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u094b\u0908 \u092a\u094d\u0930\u0936\u094d\u0928 \u0939\u0948\u0902, \u0924\u092c \u0906\u092a <a href=\"https:\/\/tradingqna.com\/\">tradingqna.com<\/a> \u092a\u0930 \u091c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u0939\u093e\u0901 \u0939\u092e \u0939\u0930 \u0924\u0930\u0939 \u0915\u0947 \u092a\u094d\u0930\u0936\u094d\u0928\u094b\u0902 \u0915\u093e \u0909\u0924\u094d\u0924\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902, \u091a\u093e\u0939\u0947 \u0935\u0939 Zerodha \u0938\u0947 \u091c\u0941\u095c\u093e \u0939\u094b \u092f\u093e \u092b\u093f\u0930 \u0915\u094b\u0908 \u0906\u092e \u092a\u094d\u0930\u0936\u094d\u0928 \u0939\u094b \u091c\u094b \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0938\u0947 \u091c\u0941\u095c\u093e \u0939\u094b\u0964<\/p>\n<p>\u0936\u0941\u092d\u0915\u093e\u092e\u0928\u093e\u090f\u0902,<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092e\u0948\u0902 \u092a\u093f\u091b\u0932\u0947 \u0915\u0941\u091b \u0926\u093f\u0902\u0928\u094b \u0938\u0947 \u091a\u093e\u0930\u094d\u0932\u0940 \u092e\u0902\u0917\u0930 \u0915\u094b \u092a\u095d \u0914\u0930 \u0938\u0941\u0928 \u0930\u0939\u093e \u0939\u0942\u0901, \u0914\u0930 \u0907\u0928\u094d\u0939\u0947\u0902 \u092a\u095d\u0924\u0947 \u0939\u0941\u090f \u092e\u0948\u0902 \u0916\u0941\u0926 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0914\u0930 Zerodha \u0915\u094b \u0915\u0948\u0938\u093e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0938\u093f\u0916\u0924\u093e \u0939\u0942\u0901\u0964 \u0907\u0938 \u0938\u0940\u0959 \u0915\u093e \u0938\u0902\u091b\u0947\u092a \u0907\u0938 \u0932\u093f\u0938\u094d\u091f \u092e\u0947\u0902 \u0926\u093f\u090f \u0917\u090f \u091a\u093e\u0930\u094d\u0932\u0940 \u092e\u0902\u0917\u0930 \u0915\u0940 \u0915\u0941\u091b \u0915\u0939\u093e\u0935\u0924\u094b\u0902 \u0938\u0947 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948 : One of the greatest ways to 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