{"id":39109,"date":"2025-05-31T15:20:44","date_gmt":"2025-05-31T09:50:44","guid":{"rendered":"https:\/\/www.4numberplatform.com\/?p=39109"},"modified":"2025-06-02T02:18:25","modified_gmt":"2025-06-01T20:48:25","slug":"%e0%a6%9a%e0%a6%95%e0%a7%8d%e0%a6%b0%e0%a6%ac%e0%a7%8d%e0%a6%af%e0%a7%82%e0%a6%b9%e0%a7%87-%e0%a6%ad%e0%a6%be%e0%a6%b0%e0%a6%a4%e0%a7%87%e0%a6%b0-%e0%a6%85%e0%a6%b0%e0%a7%8d%e0%a6%a5%e0%a6%a8-2","status":"publish","type":"post","link":"https:\/\/www.4numberplatform.com\/?p=39109","title":{"rendered":"\u099a\u0995\u09cd\u09b0\u09ac\u09cd\u09af\u09c2\u09b9\u09c7 \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u2014 \u0997\u09b2\u09cd\u09aa \u09af\u0996\u09a8 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4"},"content":{"rendered":"<h2><strong>\u09b8\u09c1\u09ae\u09a8 \u0995\u09b2\u09cd\u09af\u09be\u09a3 \u09ae\u09cc\u09b2\u09bf\u0995<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><strong>\u09aa\u09c2\u09b0\u09cd\u09ac-\u09aa\u09cd\u09b0\u09b8\u0999\u09cd\u0997: <\/strong><a href=\"https:\/\/www.4numberplatform.com\/?p=38863\"><strong>\u09aa\u09cd\u09b0\u09b8\u09cd\u09a4\u09be\u09ac\u09a8\u09be<\/strong><\/a><\/p>\n<pre><img data-attachment-id=\"35761\" data-permalink=\"https:\/\/www.4numberplatform.com\/?attachment_id=35761\" data-orig-file=\"https:\/\/i1.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2023\/12\/suman-kalyan-moulik.jpg?fit=300%2C420&amp;ssl=1\" data-orig-size=\"300,420\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"suman kalyan moulik\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2023\/12\/suman-kalyan-moulik.jpg?fit=214%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2023\/12\/suman-kalyan-moulik.jpg?fit=300%2C420&amp;ssl=1\" loading=\"lazy\" class=\"wp-image-35761 alignleft\" src=\"https:\/\/i1.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2023\/12\/suman-kalyan-moulik.jpg?resize=150%2C210&#038;ssl=1\" alt=\"\" width=\"150\" height=\"210\" srcset=\"https:\/\/i1.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2023\/12\/suman-kalyan-moulik.jpg?resize=214%2C300&amp;ssl=1 214w, https:\/\/i1.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2023\/12\/suman-kalyan-moulik.jpg?w=300&amp;ssl=1 300w\" sizes=\"(max-width: 150px) 100vw, 150px\" data-recalc-dims=\"1\" \/>\n<span style=\"color: #ff0000;\"><em><strong><span style=\"font-size: 14pt; font-family: Kalpurush;\">\u09ac\u09bf\u09b6\u09cd\u09ac\u09be\u09df\u09a8\u09c7\u09b0 \u09b8\u09c2\u099a\u09a8\u09be\u09aa\u09b0\u09cd\u09ac\u09c7 \u09ac\u09b2\u09be \u09b9\u09df\u09c7\u099b\u09bf\u09b2, \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09b0\u09be \u098f\u0995 \u0989\u099c\u09cd\u099c\u09cd\u09ac\u09b2 \u099c\u09c0\u09ac\u09a8\u09c7\u09b0 \u09b8\u09cd\u09ac\u09aa\u09cd\u09a8 \u09a6\u09c7\u0996\u09c7\u2014 \u09af\u09be \u09a4\u09be\u09b0\u09be \u098f\u09a4\u09a6\u09bf\u09a8 \u098f-\u09a6\u09c7\u09b6\u09c7 \u09aa\u09be\u09df\u09a8\u09bf\u0964 \u09a4\u09bf\u09a8 \u09a6\u09b6\u0995 \u09a7\u09b0\u09c7 \u09b8\u09c7\u0987 \u09b8\u09cd\u09ac\u09aa\u09cd\u09a8\u09c7\u09b0 \u09aa\u09c7\u099b\u09a8\u09c7 \u099b\u09c1\u099f\u09a4\u09c7 \u099b\u09c1\u099f\u09a4\u09c7 \u0986\u099c \u09ad\u09be\u09b0\u09a4\u09c0\u09df \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4 \u098f\u0995 \u09a6\u09c7\u0993\u09df\u09be\u09b2\u09c7\u09b0 \u09ae\u09c1\u0996\u09cb\u09ae\u09c1\u0996\u09bf \u098f\u09b8\u09c7 \u09a6\u09be\u0981\u09dc\u09bf\u09df\u09c7\u099b\u09c7\u0964 \u09af\u09a6\u09bf \u09ae\u09be\u0987\u09a8\u09c7 \u09a8\u09be \u09ac\u09be\u09dc\u09c7, \u09af\u09a6\u09bf \u0995\u09be\u099c\u09c7\u09b0 \u09b8\u09c1\u09af\u09cb\u0997 \u09a8\u09be \u09ac\u09be\u09dc\u09c7, \u0995\u09bf\u0982\u09ac\u09be \u09af\u09a6\u09bf \u0995\u09be\u099c\u099f\u09be\u0987 \u099a\u09b2\u09c7 \u09af\u09be\u09df\u2014 \u09a4\u09ac\u09c7 \u09b9\u09be\u09a4\u09c7 \u099f\u09be\u0995\u09be\u09b0 \u099c\u09cb\u0997\u09be\u09a8 \u09a5\u09be\u0995\u09ac\u09c7 \u09a8\u09be\u0964 \u09ab\u09b2\u09a4 \u099a\u09be\u09b9\u09bf\u09a6\u09be \u09ac\u09be\u09dc\u09ac\u09c7 \u09a8\u09be, \u0986\u09b0 \u0989\u09ce\u09aa\u09be\u09a6\u09a8\u0993 \u09ac\u09be\u09dc\u09ac\u09c7 \u09a8\u09be\u0964 \u098f\u0987\u09ad\u09be\u09ac\u09c7 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf \u0998\u09c1\u09b0\u09aa\u09be\u0995 \u0996\u09be\u09ac\u09c7 \u098f\u0995 \u09ac\u09bf\u09b7\u099a\u0995\u09cd\u09b0\u09c7\u0964 \u0986\u09b8\u09b2\u09c7, \u0987\u09a4\u09bf\u09b9\u09be\u09b8 \u09ac\u09b2\u09c7, \u0993\u0987 \u09b8\u09cd\u09ac\u09aa\u09cd\u09a8 \u09a6\u09c1\u0983\u09b8\u09cd\u09ac\u09aa\u09cd\u09a8\u09c7 \u09aa\u09b0\u09bf\u09a3\u09a4 \u09b9\u09df\u2014 \u09b8\u09c7\u099f\u09be\u0987 \u09ac\u09be\u099c\u09be\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u09b0 \u09b8\u09cd\u09ac\u09be\u09ad\u09be\u09ac\u09bf\u0995 \u0997\u09a4\u09bf<\/span><\/strong><\/em><\/span><\/pre>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09a6\u09c3\u09b6\u09cd\u09af\u099f\u09be \u098f-\u09ac\u099b\u09b0\u09c7\u09b0 \u09ac\u09be\u099c\u09c7\u099f \u09ac\u0995\u09cd\u09a4\u09c3\u09a4\u09be\u09b0 \u09b6\u09c7\u09b7 \u09aa\u09b0\u09cd\u09ac\u0964 \u0996\u09be\u09a8\u09bf\u0995 \u09ac\u09bf\u09b0\u09a4\u09bf \u09a8\u09bf\u09df\u09c7 \u0985\u09b0\u09cd\u09a5\u09ae\u09a8\u09cd\u09a4\u09cd\u09b0\u09c0\u09b0 \u0998\u09cb\u09b7\u09a3\u09be\u2014 \u09e7\u09e8 \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u0986\u09df\u09c7\u09b0 \u09ae\u09be\u09a8\u09c1\u09b7\u09a6\u09c7\u09b0 \u0995\u09cb\u09a8\u0993 \u0986\u09df\u0995\u09b0 \u09b2\u09be\u0997\u09ac\u09c7 \u09a8\u09be\u0964<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> \u0989\u09b2\u09cd\u09b2\u09be\u09b8\u09c7 \u09ab\u09c7\u099f\u09c7 \u09aa\u09a1\u09bc\u09b2 \u09b8\u0982\u09b8\u09a6; \u09b8\u09c7\u0987 \u0989\u09b2\u09cd\u09b2\u09be\u09b8 \u09af\u09c7\u09a8 \u09b6\u09a4\u0997\u09c1\u09a3 \u09b9\u09df\u09c7 \u09a7\u09cd\u09ac\u09a8\u09bf\u09a4 \u09b9\u09b2 \u09b8\u09b0\u0995\u09be\u09b0\u09bf \u0993 \u0995\u09b0\u09cd\u09aa\u09cb\u09b0\u09c7\u099f \u0985\u09ab\u09bf\u09b8\u09c7, \u09b8\u09cd\u0995\u09c1\u09b2-\u0995\u09b2\u09c7\u099c \u09a4\u09a5\u09be \u09ac\u09be\u09a3\u09bf\u099c\u09cd\u09af \u09ae\u09b9\u09b2\u09c7\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400; 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font-size: 14pt; font-family: Kalpurush;\">\u098f\u0987 \u099a\u09be\u09b9\u09bf\u09a6\u09be-\u09b9\u09cd\u09b0\u09be\u09b8\u09c7\u09b0 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u0995\u09c7\u09ac\u09b2 \u098f\u09ab\u098f\u09ae\u09b8\u09bf\u099c\u09bf (Fast Moving Consumer Goods) \u0996\u09be\u09a4\u09c7\u0987 \u09b8\u09c0\u09ae\u09be\u09ac\u09a6\u09cd\u09a7 \u09a5\u09be\u0995\u099b\u09c7 \u09a8\u09be, \u09a4\u09be \u09a7\u09c0\u09b0\u09c7 \u09a7\u09c0\u09b0\u09c7 \u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7\u0993 \u099b\u09dc\u09bf\u09df\u09c7 \u09aa\u09dc\u099b\u09c7\u0964 \u09e8\u09e6\u09e8\u09ea \u09b8\u09be\u09b2\u09c7\u09b0 \u09a6\u09c1\u09b0\u09cd\u0997\u09be\u09aa\u09c1\u099c\u09cb \u09a5\u09c7\u0995\u09c7 \u09a6\u09c0\u09aa\u09be\u09ac\u09b2\u09bf \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u09b8\u09ae\u09df, \u09af\u09be \u09ad\u09be\u09b0\u09a4\u09c7 \u2018\u0989\u09ce\u09b8\u09ac\u09c7\u09b0 \u09ae\u09be\u09b8\u2019 \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u09aa\u09b0\u09bf\u099a\u09bf\u09a4, \u09b8\u09c7\u0987 \u09b8\u09ae\u09df\u09c7\u0993 \u0985\u099f\u09cb\u09ae\u09cb\u09ac\u09be\u0987\u09b2 \u09b8\u09c7\u0995\u09cd\u099f\u09b0\u09c7 \u09a6\u09c7\u0996\u09be \u09af\u09be\u099a\u09cd\u099b\u09c7 \u098f\u0995 \u0985\u09b8\u09cd\u09ac\u09be\u09ad\u09be\u09ac\u09bf\u0995 \u09aa\u09b0\u09bf\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf\u2014 \u09ed \u09b2\u0995\u09cd\u09b7 \u09ae\u09bf\u09a1\u09b2 \u0993 \u09b2\u09cb\u09df\u09be\u09b0 \u09b8\u09c7\u0997\u09ae\u09c7\u09a8\u09cd\u099f\u09c7\u09b0 \u0997\u09be\u09dc\u09bf \u09ac\u09bf\u0995\u09cd\u09b0\u09bf \u09a8\u09be \u09b9\u09df\u09c7 \u09b8\u09cd\u099f\u09cb\u09b0\u09c7 \u09aa\u09dc\u09c7 \u09b0\u09df\u09c7\u099b\u09c7, \u09af\u09be\u09b0 \u09b8\u09ae\u09cd\u09ae\u09bf\u09b2\u09bf\u09a4 \u09ac\u09be\u099c\u09be\u09b0\u09ae\u09c2\u09b2\u09cd\u09af \u09aa\u09cd\u09b0\u09be\u09df \u09ed\u09ef,\u09e6\u09e6\u09e6 \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be\u0964<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09b8\u09b0\u0995\u09be\u09b0\u09bf \u09aa\u09b0\u09bf\u09b8\u0982\u0996\u09cd\u09af\u09be\u09a8\u09c7 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09c7\u09b0 \u098f\u0987 \u09b8\u0982\u0995\u099f \u09b8\u09cd\u09aa\u09b7\u09cd\u099f\u09ad\u09be\u09ac\u09c7 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ab\u09b2\u09bf\u09a4 \u09b9\u099a\u09cd\u099b\u09c7\u0964 \u0985\u09b0\u09cd\u09a5\u09ae\u09a8\u09cd\u09a4\u09cd\u09b0\u0995\u09c7\u09b0 \u09e8\u09e6\u09e8\u09ea \u09b8\u09be\u09b2\u09c7\u09b0 \u09a1\u09bf\u09b8\u09c7\u09ae\u09cd\u09ac\u09b0 \u09ae\u09be\u09b8\u09c7\u09b0 \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u0985\u09a8\u09c1\u09af\u09be\u09df\u09c0, \u098f\u09ab\u098f\u09ae\u09b8\u09bf\u099c\u09bf \u09b8\u09c7\u0995\u09cd\u099f\u09b0\u09c7 \u099a\u09be\u09b9\u09bf\u09a6\u09be \u09a6\u09cd\u09b0\u09c1\u09a4 \u0995\u09ae\u099b\u09c7 \u098f\u09ac\u0982 \u0985\u099f\u09cb\u09ae\u09cb\u09ac\u09be\u0987\u09b2 \u0996\u09be\u09a4\u09c7\u09b0 \u09b8\u09be\u09b0\u09cd\u09ac\u09bf\u0995 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09ae\u09be\u09a4\u09cd\u09b0 \u09e8.\u09e9 \u09b6\u09a4\u09be\u0982\u09b6\u09c7 \u09b8\u09c0\u09ae\u09bf\u09a4 \u09b9\u09df\u09c7 \u09aa\u09dc\u09c7\u099b\u09c7\u0964 \u09e8\u09e6\u09e8\u09e9-\u09e8\u09ea \u09b8\u09be\u09b2\u09c7\u09b0 \u0997\u09c3\u09b9\u09b8\u09cd\u09a5\u09be\u09b2\u09bf\u09b0 \u09ac\u09cd\u09af\u09df \u09b8\u0982\u0995\u09cd\u09b0\u09be\u09a8\u09cd\u09a4 \u09a8\u09cd\u09af\u09be\u09b6\u09a8\u09be\u09b2 \u09b8\u09cd\u09af\u09be\u09ae\u09cd\u09aa\u09b2 \u09b8\u09be\u09b0\u09cd\u09ad\u09c7 \u0985\u09ab\u09bf\u09b8 (NSSO)-\u098f\u09b0 \u09b8\u09ae\u09c0\u0995\u09cd\u09b7\u09be \u0985\u09a8\u09c1\u09af\u09be\u09df\u09c0, \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4 \u09aa\u09b0\u09bf\u09ac\u09be\u09b0\u09c7\u09b0 \u0997\u09dc\u09aa\u09dc\u09a4\u09be \u0986\u09df\u09c7\u09b0 \u09aa\u09cd\u09b0\u09be\u09df \u09ec\u09eb \u09b6\u09a4\u09be\u0982\u09b6 \u0996\u09b0\u099a \u09b9\u09df\u09c7 \u09af\u09be\u099a\u09cd\u099b\u09c7 \u0996\u09be\u09ac\u09be\u09b0, \u09ac\u09be\u09dc\u09bf\u09ad\u09be\u09dc\u09be, \u09b6\u09bf\u0995\u09cd\u09b7\u09be \u0993 \u099a\u09bf\u0995\u09bf\u09ce\u09b8\u09be\u09b0 \u09ae\u09a4\u09cb \u0985\u09a4\u09cd\u09af\u09be\u09ac\u09b6\u09cd\u09af\u0995\u09c0\u09df \u0996\u09be\u09a4\u09c7\u0964 \u09ab\u09b2\u09c7 \u0996\u09b0\u099a \u0995\u09b0\u09be\u09b0 \u09ae\u09a4\u09cb \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u099f\u09be\u0995\u09be \u09a4\u09be\u09a6\u09c7\u09b0 \u09b9\u09be\u09a4\u09c7 \u09a5\u09be\u0995\u099b\u09c7 \u09a8\u09be\u0964<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u098f\u0995\u0987 \u09b8\u0999\u09cd\u0997\u09c7 \u0986\u09b0\u09c7\u0995\u099f\u09bf \u0997\u09c1\u09b0\u09c1\u09a4\u09b0 \u09a6\u09bf\u0995 \u09b9\u09b2 \u09aa\u09b0\u09bf\u09ac\u09be\u09b0\u09aa\u09bf\u099b\u09c1 \u098b\u09a3\u09c7\u09b0 \u09b9\u09be\u09b0 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u0964 \u09a6\u09c7\u09b6\u09c7\u09b0 \u09a8\u09ae\u09bf\u09a8\u09be\u09b2 \u099c\u09bf\u09a1\u09bf\u09aa\u09bf\u09b0 \u0985\u09a8\u09c1\u09aa\u09be\u09a4\u09c7 \u098f\u0987 \u098b\u09a3 \u09ae\u09be\u09b0\u09cd\u099a \u09e8\u09e6\u09e8\u09ea-\u098f \u09a6\u09be\u0981\u09dc\u09bf\u09df\u09c7\u099b\u09c7 \u09e7\u09ed.\u09ea \u09b6\u09a4\u09be\u0982\u09b6, \u09e8\u09e6\u09e8\u09e9 \u09b8\u09be\u09b2\u09c7\u09b0 \u09ae\u09be\u09b0\u09cd\u099a\u09c7 \u09af\u09be \u099b\u09bf\u09b2 \u09e7\u09ea.\u09ee \u09b6\u09a4\u09be\u0982\u09b6 \u098f\u09ac\u0982 \u09e8\u09e6\u09e8\u09e8 \u09b8\u09be\u09b2\u09c7\u09b0 \u09ae\u09be\u09b0\u09cd\u099a\u09c7 \u09e7\u09ea.\u09e7\u09ed \u09b6\u09a4\u09be\u0982\u09b6\u0964<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a> \u098f\u0987 \u098a\u09b0\u09cd\u09a7\u09cd\u09ac\u09ae\u09c1\u0996\u09c0 \u098b\u09a3\u09c7\u09b0 \u09aa\u09cd\u09b0\u09ac\u09a3\u09a4\u09be \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09c7\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u099a\u09be\u09aa\u09c7 \u09a5\u09be\u0995\u09be\u09b0 \u098f\u0995\u099f\u09bf \u09ac\u09dc \u0987\u0999\u09cd\u0997\u09bf\u09a4\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u098f \u09a6\u09c7\u09b6\u09c7 \u0997\u09b0\u09bf\u09ac \u09ae\u09be\u09a8\u09c1\u09b7\u09c7\u09b0 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09ac\u09bf\u09aa\u09b0\u09cd\u09af\u09df \u09ae\u09c2\u09b2\u09a7\u09be\u09b0\u09be\u09b0 \u09b8\u0982\u09ac\u09be\u09a6\u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7 \u09b8\u09c7\u09ad\u09be\u09ac\u09c7 \u0986\u09b2\u09cb\u099a\u09bf\u09a4 \u09a8\u09be \u09b9\u09b2\u09c7\u0993 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09c7\u09b0 \u09b8\u0982\u0995\u099f \u09ac\u09c7\u09b6 \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac \u09a6\u09bf\u09df\u09c7 \u099c\u09be\u09df\u0997\u09be \u09aa\u09be\u09df\u0964 \u09af\u09c7\u09ae\u09a8 \u09ac\u09be\u0982\u09b2\u09be \u09a6\u09c8\u09a8\u09bf\u0995 <em>\u0986\u09a8\u09a8\u09cd\u09a6\u09ac\u09be\u099c\u09be\u09b0 \u09aa\u09a4\u09cd\u09b0\u09bf\u0995\u09be<\/em>\u2013\u09b0 \u09e7\u09ea \u09a8\u09ad\u09c7\u09ae\u09cd\u09ac\u09b0, \u09e8\u09e6\u09e8\u09ea \u09b8\u0982\u0996\u09cd\u09af\u09be\u09b0 \u098f\u0995 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8\u09c7 \u098f\u0995\u099f\u09bf \u0997\u09c1\u09b0\u09c1\u09a4\u09cd\u09ac\u09aa\u09c2\u09b0\u09cd\u09a3 \u09b8\u09be\u09b0\u09a3\u09c0 \u09aa\u09cd\u09b0\u0995\u09be\u09b6\u09bf\u09a4 \u09b9\u09df, \u09af\u09c7\u0996\u09be\u09a8\u09c7 \u09a4\u09c1\u09b2\u09c7 \u09a7\u09b0\u09be \u09b9\u09df\u09c7\u099b\u09c7 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09c7\u09b0 \u0996\u09b0\u099a \u0995\u09ae\u09bf\u09df\u09c7 \u09a6\u09c7\u0993\u09df\u09be\u09b0 \u09aa\u09cd\u09b0\u09c7\u0995\u09cd\u09b7\u09be\u09aa\u099f:<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\"><strong>\u0996\u09b0\u099a \u0995\u09ae\u09be\u099a\u09cd\u099b\u09c7 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u0985\u0995\u09cd\u099f\u09cb\u09ac\u09b0\u09c7 \u09ae\u09c2\u09b2\u09cd\u09af\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09b9\u09be\u09b0: \u09ec.\u09e8\u09e7%<\/span><br \/>\n<span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u0996\u09be\u09a6\u09cd\u09af\u09aa\u09a3\u09cd\u09af\u09c7\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09b9\u09be\u09b0: \u09e7\u09e6.\u09ee\u09ed%<\/span><br \/>\n<span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u098f\u0995 \u09ac\u099b\u09b0\u09c7 \u0997\u09dc \u09ae\u09c2\u09b2\u09cd\u09af\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf: \u09eb%, \u0996\u09be\u09a6\u09cd\u09af\u09aa\u09a3\u09cd\u09af\u09c7 \u0997\u09dc \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf: \u09ee%<\/span><br \/>\n<span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09b8\u09bf\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0999\u09cd\u0995\u09c7\u09b0 \u09b8\u09ae\u09c0\u0995\u09cd\u09b7\u09be \u09ac\u09b2\u099b\u09c7 \u09b6\u09b9\u09b0\u09c7\u09b0 \u099a\u09be\u09b9\u09bf\u09a6\u09be \u0997\u09a4 \u09a6\u09c1-\u09ac\u099b\u09b0\u09c7 \u09a4\u09b2\u09be\u09a8\u09bf\u09a4\u09c7, \u0989\u09ce\u09b8\u09ac\u09c7\u0993 \u09ac\u09be\u09dc\u09c7\u09a8\u09bf \u099a\u09be\u09b9\u09bf\u09a6\u09be<\/span><br \/>\n<span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09ed.\u09e8 \u09b6\u09a4\u09be\u0982\u09b6 \u099c\u09bf\u09a1\u09bf\u09aa\u09bf \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u098f\u0996\u09a8 \u09a6\u09c2\u09b0 \u0985\u09b8\u09cd\u09a4<\/span><br \/>\n<span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09ac\u09cd\u09af\u09be\u0999\u09cd\u0995 \u0985\u09ac \u0986\u09ae\u09c7\u09b0\u09bf\u0995\u09be\u09b0 \u0985\u09a8\u09c1\u09ae\u09be\u09a8 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u0986\u099f\u0995\u09be\u09ac\u09c7 \u09ec.\u09ee \u09b6\u09a4\u09be\u0982\u09b6\u09c7<\/span><br \/>\n<span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09a8\u09a5\u09bf\u09ad\u09c1\u0995\u09cd\u09a4 \u09b8\u0982\u09b8\u09cd\u09a5\u09be\u0997\u09c1\u09b2\u09bf\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09a8\u09bf\u09b0\u09bf\u0996\u09c7 \u09ac\u09c7\u09a4\u09a8\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09b9\u09be\u09b0 \u09ae\u09be\u09a4\u09cd\u09b0 \u09e8%<\/span><br \/>\n<span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u0997\u09a4 \u09a6\u09b6 \u09ac\u099b\u09b0\u09c7 \u09ac\u09c7\u09a4\u09a8\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u0997\u09dc \u09ae\u09be\u09a4\u09cd\u09b0 \u09ea.\u09ea%<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u098f\u099b\u09be\u09dc\u09be\u0993 \u0986\u09b0\u0993 \u098f\u0995 \u099a\u09bf\u09a8\u09cd\u09a4\u09be\u09b0 \u09ac\u09bf\u09b7\u09df \u09b9\u09b2 \u09b8\u099e\u09cd\u099a\u09df\u09c7\u09b0 \u09b9\u09be\u09b0\u0964 \u09b0\u09bf\u099c\u09be\u09b0\u09cd\u09ad \u09ac\u09cd\u09af\u09be\u0999\u09cd\u0995\u09c7\u09b0 \u09b8\u09be\u09ae\u09cd\u09aa\u09cd\u09b0\u09a4\u09bf\u0995 \u09a4\u09a5\u09cd\u09af \u09ac\u09b2\u099b\u09c7, \u099c\u09bf\u09a1\u09bf\u09aa\u09bf\u09b0 \u09b6\u09a4\u09be\u0982\u09b6 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u09b8\u099e\u09cd\u099a\u09df\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u0997\u09a4 \u09aa\u099e\u09cd\u099a\u09be\u09b6 \u09ac\u099b\u09b0\u09c7 \u098f\u0987 \u09aa\u09cd\u09b0\u09a5\u09ae \u09b8\u09ac\u099a\u09c7\u09df\u09c7 \u09a8\u09bf\u099a\u09c7 \u09a8\u09c7\u09ae\u09c7 \u098f\u09b8\u09c7\u099b\u09c7\u0964<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400; 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font-size: 14pt; font-family: Kalpurush;\">\u09ac\u09b2\u09ac\u09be\u09b0 \u09ac\u09bf\u09b7\u09df, \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09c7\u09b0 \u09ac\u09c7\u09b6\u09bf\u09b0\u09ad\u09be\u0997 \u0996\u09b0\u099a\u0987 \u09b9\u09df\u09c7 \u09a5\u09be\u0995\u09c7 \u0987\u098f\u09ae\u0986\u0987 (\u0987\u0995\u09c1\u09df\u09be\u09b2 \u09ae\u09be\u09a8\u09cd\u09a5\u09b2\u09bf \u0987\u09a8\u09b8\u09cd\u099f\u09b2\u09ae\u09c7\u09a8\u09cd\u099f)-\u09a8\u09bf\u09b0\u09cd\u09ad\u09b0\u0964 \u09a4\u09be\u0987 \u098f\u0987 \u09ac\u09be\u09dc\u09a4\u09bf \u0996\u09b0\u099a \u09b8\u09be\u09ae\u09b2\u09be\u09a8\u09cb\u09b0 \u099c\u09a8\u09cd\u09af \u09aa\u09cd\u09b0\u09a5\u09ae\u09c7\u0987 \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8 \u0986\u09df\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u0964 \u0986\u09b0 \u098f\u0996\u09be\u09a8\u09c7\u0987 \u09a6\u09cd\u09ac\u09bf\u09a4\u09c0\u09df \u09ab\u09cd\u09af\u09be\u0995\u09cd\u099f\u09b0\u099f\u09bf \u0986\u09b8\u09c7\u0964 \u0985\u09b0\u09cd\u09a5\u09a8\u09c8\u09a4\u09bf\u0995 \u09b8\u09ae\u09c0\u0995\u09cd\u09b7\u09be\u0997\u09c1\u09b2\u09bf (\u09ac\u09bf\u09b6\u09c7\u09b7 \u0995\u09b0\u09c7 \u09b8\u09c7\u09a8\u09cd\u099f\u09be\u09b0 \u09ab\u09b0 \u09ae\u09a8\u09bf\u099f\u09b0\u09bf\u0982 \u0987\u09a8\u09cd\u09a1\u09bf\u09df\u09be\u09a8 \u0987\u0995\u09cb\u09a8\u09ae\u09bf \u09a6\u09cd\u09ac\u09be\u09b0\u09be \u09aa\u09cd\u09b0\u09a6\u09a4\u09cd\u09a4 \u09a4\u09a5\u09cd\u09af) \u0985\u09a8\u09c1\u09af\u09be\u09df\u09c0, \u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u09ac\u09c7\u09a4\u09a8\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u0997\u09dc\u09aa\u09dc\u09a4\u09be \u09ae\u09be\u09a4\u09cd\u09b0 \u09e6.\u09e6\u09e7 \u09b6\u09a4\u09be\u0982\u09b6\u0964 \u098f\u0996\u09be\u09a8\u09c7 &#8216;\u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u09ac\u09c7\u09a4\u09a8&#8217; \u09ac\u09b2\u09a4\u09c7 \u09ae\u09c1\u09a6\u09cd\u09b0\u09be\u09b8\u09cd\u09ab\u09c0\u09a4\u09bf\u09b0 \u09b9\u09be\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac \u0995\u09b0\u09c7 \u09ac\u09c7\u09a4\u09a8 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09ac\u09cb\u099d\u09be\u09a8\u09cb \u09b9\u099a\u09cd\u099b\u09c7\u0964 \u0986\u09ac\u09be\u09b0, \u09ab\u09bf\u0995\u09bf-\u0995\u09bf\u0989\u09b8 \u0995\u09aa \u09b8\u09ae\u09c0\u0995\u09cd\u09b7\u09be \u09ac\u09b2\u099b\u09c7 \u09af\u09c7 \u09e8\u09e6\u09e7\u09ef-\u09e8\u09e9-\u098f\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09ac\u09c7\u09a4\u09a8\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09ae\u09c2\u09b2 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u0997\u09c1\u09b2\u09cb\u09a4\u09c7 (\u098f\u09ab\u098f\u09ae\u09b8\u09bf\u099c\u09bf, \u0986\u0987\u099f\u09bf, \u09ac\u09bf\u098f\u09ab\u098f\u09b8) \u09e6.\u09ee-\u09eb.\u09ea \u09b6\u09a4\u09be\u0982\u09b6\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09b8\u09c0\u09ae\u09be\u09ac\u09a6\u09cd\u09a7 \u099b\u09bf\u09b2\u0964 \u09ab\u09b2\u09c7 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09b6\u09cd\u09b0\u09c7\u09a3\u09bf \u09ac\u09be\u09a7\u09cd\u09af \u09b9\u099a\u09cd\u099b\u09c7 \u09a4\u09be\u09a6\u09c7\u09b0 \u099a\u09be\u09b9\u09bf\u09a6\u09be\u09b0 \u0995\u09be\u099f\u099b\u09be\u0981\u099f \u0995\u09b0\u09a4\u09c7\u0964<a href=\"#_ftn13\" name=\"_ftnref13\">[13]<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u098f\u0996\u09be\u09a8\u09c7\u0987 \u0986\u09b8\u099b\u09c7 \u09a4\u09c3\u09a4\u09c0\u09df \u09ab\u09cd\u09af\u09be\u0995\u09cd\u099f\u09b0\u099f\u09bf\u2014 \u09a8\u09a4\u09c1\u09a8 \u0995\u09b0\u09cd\u09ae\u09b8\u0982\u09b8\u09cd\u09a5\u09be\u09a8\u09c7\u09b0 \u0985\u09ad\u09be\u09ac\u0964 \u099b\u09ac\u09bf\u099f\u09be \u09aa\u09be\u09b2\u09cd\u099f\u09be\u09a4\u09c7 \u09aa\u09be\u09b0\u09a4 \u09a8\u09a4\u09c1\u09a8 \u0995\u09b0\u09cd\u09ae\u09b8\u0982\u09b8\u09cd\u09a5\u09be\u09a8\u09c7\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09b6\u09cd\u09b0\u09c7\u09a3\u09bf\u09b0 \u09aa\u09b0\u09bf\u09a7\u09bf \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09ac\u09be\u09b8\u09cd\u09a4\u09ac \u09aa\u09b0\u09bf\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf \u09ad\u09bf\u09a8\u09cd\u09a8\u0964 \u09a8\u09b0\u09c7\u09a8\u09cd\u09a6\u09cd\u09b0 \u09ae\u09cb\u09a6\u09bf\u09b0 \u09b6\u09be\u09b8\u09a8\u09be\u09ae\u09b2\u09c7 \u09b8\u09ac\u099a\u09c7\u09df\u09c7 \u0989\u09a6\u09cd\u09ac\u09c7\u0997\u09c7\u09b0 \u09ac\u09bf\u09b7\u09df \u09b9\u09b2 \u0995\u09cd\u09b0\u09ae\u09ac\u09b0\u09cd\u09a7\u09ae\u09be\u09a8 \u0995\u09b0\u09cd\u09ae\u09b9\u09c0\u09a8\u09a4\u09be \u0993 \u09a8\u09a4\u09c1\u09a8 \u0995\u09b0\u09cd\u09ae\u09b8\u0982\u09b8\u09cd\u09a5\u09be\u09a8\u09c7\u09b0 \u0985\u09ad\u09be\u09ac\u0964 \u0986\u09ae\u09b0\u09be \u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 \u09b8\u09ae\u09df\u09c7 \u098f-\u09ac\u09bf\u09b7\u09df\u09c7 \u09ac\u09bf\u09b8\u09cd\u09a4\u09be\u09b0\u09bf\u09a4 \u0986\u09b2\u09cb\u099a\u09a8\u09be \u0995\u09b0\u09ac\u0964 \u09a4\u09ac\u09c7 \u09ae\u09be\u09b0\u09cd\u09b8\u09c7\u09b2\u09be\u09b8\u09c7\u09b0 \u09b0\u09bf\u09aa\u09cb\u09b0\u09cd\u099f \u0986\u09b0\u09c7\u0995\u099f\u09bf \u0985\u09b6\u09a8\u09bf\u09b8\u0999\u09cd\u0995\u09c7\u09a4 \u09ac\u09df\u09c7 \u0986\u09a8\u09c7 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09a6\u09c7\u09b0 \u099c\u09a8\u09cd\u09af\u0964 \u0995\u09c3\u09a4\u09cd\u09b0\u09bf\u09ae \u09ac\u09c1\u09a6\u09cd\u09a7\u09bf\u09ae\u09a4\u09cd\u09a4\u09be\u09b0 (\u098f\u0986\u0987) \u0995\u09be\u09b0\u09a3\u09c7 \u09af\u09c7 \u099a\u09be\u0995\u09b0\u09bf\u0997\u09c1\u09b2\u09cb \u098f\u0996\u09a8\u0993 \u0986\u099b\u09c7, \u09b8\u09c7\u0997\u09c1\u09b2\u09cb\u09b0\u0993 \u09ac\u09bf\u09b2\u09c1\u09aa\u09cd\u09a4 \u09b9\u0993\u09df\u09be\u09b0 \u09b8\u09ae\u09cd\u09ad\u09be\u09ac\u09a8\u09be \u09b0\u09df\u09c7\u099b\u09c7\u0964 \u09ac\u09bf\u09b6\u09c7\u09b7 \u0995\u09b0\u09c7 \u09b8\u09c1\u09aa\u09be\u09b0\u09ad\u09be\u0987\u099c\u09be\u09b0, \u0995\u09cd\u09b2\u09cd\u09af\u09be\u09b0\u09bf\u0995\u09cd\u09af\u09be\u09b2 \u0995\u09cd\u09af\u09be\u09a1\u09be\u09b0 \u098f\u09ac\u0982 \u09ac\u09cd\u09af\u09be\u0995\u09b2\u09be\u0987\u09a8 \u09b8\u09cd\u099f\u09be\u09ab\u09a6\u09c7\u09b0 \u09ae\u09a4\u09cb \u099a\u09be\u0995\u09b0\u09bf\u0997\u09c1\u09b2\u09cb\u0964 \u09b8\u09ae\u09cd\u09aa\u09cd\u09b0\u09a4\u09bf \u0989\u0987\u09aa\u09cd\u09b0\u09cb \u099a\u09c7\u09df\u09be\u09b0\u09ae\u09cd\u09af\u09be\u09a8 \u098f\u0995 \u09b8\u09be\u0995\u09cd\u09b7\u09be\u09ce\u0995\u09be\u09b0\u09c7 \u09ac\u09b2\u09c7\u099b\u09c7\u09a8, \u0986\u09ae\u09b0\u09be \u09ac\u09c1\u099d\u09a4\u09c7 \u09aa\u09be\u09b0\u099b\u09bf, \u098f\u0995\u099f\u09bf \u09ac\u09bf\u09b6\u09c7\u09b7 \u09a7\u09b0\u09a8\u09c7\u09b0 \u099a\u09be\u0995\u09b0\u09bf \u0995\u09c3\u09a4\u09cd\u09b0\u09bf\u09ae \u09ac\u09c1\u09a6\u09cd\u09a7\u09bf\u09ae\u09a4\u09cd\u09a4\u09be\u09b0 \u0995\u09be\u09b0\u09a3\u09c7 \u09ac\u09bf\u09b2\u09c1\u09aa\u09cd\u09a4 \u09b9\u09df\u09c7 \u09af\u09be\u09ac\u09c7\u0964<a href=\"#_ftn14\" name=\"_ftnref14\">[14]<\/a> \u09b8\u09cc\u09b0\u09ad \u09ae\u09c1\u0996\u09be\u09b0\u09cd\u099c\u09bf \u09b8\u0996\u09c7\u09a6\u09c7 \u09ae\u09a8\u09cd\u09a4\u09ac\u09cd\u09af \u0995\u09b0\u09c7\u099b\u09c7\u09a8: &#8220;I think the defining flavour of this decade will be effectively, the gradual demise of salary employment as a worthwhile avenue for educated, determined, hardworking people.&#8221;<a href=\"#_ftn15\" name=\"_ftnref15\">[15]<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09ac\u09bf\u09b6\u09cd\u09ac\u09be\u09df\u09a8\u09c7\u09b0 \u09b8\u09c2\u099a\u09a8\u09be\u09aa\u09b0\u09cd\u09ac\u09c7 \u09ac\u09b2\u09be \u09b9\u09df\u09c7\u099b\u09bf\u09b2, \u098f\u0987 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09b0\u09be \u098f\u0995 \u0989\u099c\u09cd\u099c\u09cd\u09ac\u09b2 \u099c\u09c0\u09ac\u09a8\u09c7\u09b0 \u09b8\u09cd\u09ac\u09aa\u09cd\u09a8 \u09a6\u09c7\u0996\u09c7\u2014 \u098f\u0995\u099f\u09bf \u098f\u09ae\u09a8 \u099c\u09c0\u09ac\u09a8, \u09af\u09be \u09a4\u09be\u09b0\u09be \u098f\u09a4\u09a6\u09bf\u09a8 \u098f-\u09a6\u09c7\u09b6\u09c7 \u09aa\u09be\u09df\u09a8\u09bf\u0964 \u098f\u0987 \u0995\u09a5\u09be\u09b0 \u09ae\u09c2\u09b2 \u0985\u09a8\u09c1\u09aa\u09cd\u09b0\u09c7\u09b0\u09a3\u09be \u0986\u09b8\u09b2\u09c7 \u099c\u09c7\u09ae\u09b8 \u099f\u09cd\u09b0\u09be\u09b8\u09b2\u09cb \u0985\u09cd\u09af\u09be\u09a1\u09be\u09ae\u09b8\u09c7\u09b0 \u09ac\u09b9\u09c1-\u0986\u09b2\u09cb\u099a\u09bf\u09a4 \u2018\u0986\u09ae\u09c7\u09b0\u09bf\u0995\u09be\u09a8 \u09a1\u09cd\u09b0\u09bf\u09ae\u2019-\u098f\u09b0 \u09ad\u09be\u09b0\u09a4\u09c0\u09df\u0995\u09b0\u09a3\u0964 \u09e7\u09ef\u09e9\u09e7 \u09b8\u09be\u09b2\u09c7 \u0985\u09cd\u09af\u09be\u09a1\u09be\u09ae\u09b8 \u09ac\u09b2\u09c7\u099b\u09bf\u09b2\u09c7\u09a8: &#8220;\u2026that dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement.&#8221;<a href=\"#_ftn16\" name=\"_ftnref16\">[16]<\/a> \u09a4\u09bf\u09a8 \u09a6\u09b6\u0995 \u09a7\u09b0\u09c7 \u09b8\u09c7\u0987 \u09b8\u09cd\u09ac\u09aa\u09cd\u09a8\u09c7\u09b0 \u09aa\u09c7\u099b\u09a8\u09c7 \u099b\u09c1\u099f\u09a4\u09c7 \u099b\u09c1\u099f\u09a4\u09c7 \u0986\u099c \u09ad\u09be\u09b0\u09a4\u09c0\u09df \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4 \u098f\u0995 \u09a6\u09c7\u0993\u09df\u09be\u09b2\u09c7\u09b0 \u09ae\u09c1\u0996\u09cb\u09ae\u09c1\u0996\u09bf \u098f\u09b8\u09c7 \u09a6\u09be\u0981\u09dc\u09bf\u09df\u09c7\u099b\u09c7\u0964 \u09b8\u09cb\u099c\u09be \u0995\u09a5\u09be\u09df, \u09af\u09a6\u09bf \u09ae\u09be\u0987\u09a8\u09c7 \u09a8\u09be \u09ac\u09be\u09dc\u09c7, \u09af\u09a6\u09bf \u0995\u09be\u099c\u09c7\u09b0 \u09b8\u09c1\u09af\u09cb\u0997 \u09a8\u09be \u09ac\u09be\u09dc\u09c7, \u0995\u09bf\u0982\u09ac\u09be \u09af\u09a6\u09bf \u0995\u09be\u099c\u099f\u09be\u0987 \u099a\u09b2\u09c7 \u09af\u09be\u09df\u2014 \u09a4\u09ac\u09c7 \u09b9\u09be\u09a4\u09c7 \u099f\u09be\u0995\u09be\u09b0 \u099c\u09cb\u0997\u09be\u09a8 \u09a5\u09be\u0995\u09ac\u09c7 \u09a8\u09be\u0964 \u09ab\u09b2\u09a4 \u099a\u09be\u09b9\u09bf\u09a6\u09be \u09ac\u09be\u09dc\u09ac\u09c7 \u09a8\u09be, \u0986\u09b0 \u0989\u09ce\u09aa\u09be\u09a6\u09a8\u0993 \u09ac\u09be\u09dc\u09ac\u09c7 \u09a8\u09be\u0964 \u098f\u0987\u09ad\u09be\u09ac\u09c7 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf \u0998\u09c1\u09b0\u09aa\u09be\u0995 \u0996\u09be\u09ac\u09c7 \u098f\u0995 \u09ac\u09bf\u09b7\u099a\u0995\u09cd\u09b0\u09c7\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt; font-family: Kalpurush;\">\u09a8\u09bf\u09b0\u09cd\u09ae\u09b2\u09be \u09b8\u09c0\u09a4\u09be\u09b0\u09be\u09ae\u09a8 \u0986\u09df\u0995\u09b0\u09c7 \u099b\u09be\u09dc \u09a6\u09bf\u09df\u09c7 \u098f\u0987 \u09a6\u09c7\u0993\u09df\u09be\u09b2 \u09ad\u09be\u0999\u09be\u09b0 \u09b8\u09cd\u09ac\u09aa\u09cd\u09a8 \u09a6\u09c7\u0996\u099b\u09c7\u09a8\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u0987\u09a4\u09bf\u09b9\u09be\u09b8 \u09ac\u09b2\u099b\u09c7, \u098f\u0987 \u09b8\u09cd\u09ac\u09aa\u09cd\u09a8 \u09a6\u09c1\u0983\u09b8\u09cd\u09ac\u09aa\u09cd\u09a8\u09c7 \u09aa\u09b0\u09bf\u09a3\u09a4 \u09b9\u09df\u2014 \u098f\u099f\u09be\u0987 \u09ac\u09be\u099c\u09be\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u09b0 \u09b8\u09cd\u09ac\u09be\u09ad\u09be\u09ac\u09bf\u0995 \u0997\u09a4\u09bf\u0964<\/span><\/p>\n<p><img data-attachment-id=\"39110\" data-permalink=\"https:\/\/www.4numberplatform.com\/?attachment_id=39110\" data-orig-file=\"https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?fit=980%2C654&amp;ssl=1\" data-orig-size=\"980,654\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"sumankalyanin@1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?fit=980%2C654&amp;ssl=1\" loading=\"lazy\" class=\"aligncenter wp-image-39110 size-shareaholic-thumbnail\" src=\"https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?resize=640%2C427&#038;ssl=1\" alt=\"\" width=\"640\" height=\"427\" srcset=\"https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?resize=640%2C427&amp;ssl=1 640w, https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?resize=768%2C513&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/sumankalyanin@1.jpeg?w=980&amp;ssl=1 980w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3>\u09b8\u09b9\u09be\u09df\u0995 \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7 \u0993 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8:<\/h3>\n<ul>\n<li><strong><span style=\"font-size: 14pt; font-family: Kalpurush;\"><a href=\"https:\/\/www.indiatoday.in\/business\/story\/5-key-tax-reforms-for-middle-class-introduced-in-budget-2025-no-tax-till-rs-12-lakh-revised-tax-slabs-extension-in-updated-tax-filing-2674538-2025-02-04\">5 key tax reforms for middle class introduced in budget 2025<\/a>. India Today. Feb 4, 2025.<\/span><\/strong><\/li>\n<li><strong><span style=\"font-size: 14pt; font-family: Kalpurush;\">Omar, Paurush. <a href=\"https:\/\/economictimes.indiatimes.com\/magazines\/panache\/is-rs-7-crore-net-worth-the-new-indian-middle-class-reddit-post-sparks-debate-on-the-changing-social-hierarchy\/articleshow\/120381570.cms?from=mdr\">Is \u20187 crore net worth\u2019 the new Indian middle class? Reddit post sparks debate on the changing social hierarchy<\/a>. Economic Times. April 17, 2025.<\/span><\/strong><\/li>\n<li><strong><span style=\"font-size: 14pt; font-family: Kalpurush;\">Venu, M. K. <a href=\"https:\/\/thewire.in\/macro\/consumption-data-shows-the-indian-middle-class-is-shrinking\">Consumption data shows the Indian middle class is shrinking<\/a>. The Wire. Oct 21, 2024.<\/span><\/strong><\/li>\n<li><strong><span style=\"font-size: 14pt; font-family: Kalpurush;\">Mohan, Deepanshu &amp; Singh, Ankur. <a href=\"https:\/\/thewire.in\/economy\/can-union-budget-2025-save-indias-shrinking-middle-class\">Can union budget 2025 save Indian shrinking middle class?<\/a> The Wire. Jan 16, 2025.<\/span><\/strong><\/li>\n<li><strong><span style=\"font-size: 14pt; font-family: Kalpurush;\"><a href=\"https:\/\/www.businesstoday.in\/personal-finance\/investment\/story\/indias-middle-class-is-having-a-meltdown-marcellus-report-reveals-3-key-threats-to-its-survival-455118-2024-11-26\">India&#8217;s middle-class is having a meltdown: Report reveals 3 key threats to its survival<\/a>. Business Today. Nov 26, 2024.<\/span><\/strong><\/li>\n<li><strong><span style=\"font-size: 14pt; font-family: Kalpurush;\">Prasanna, Pooja. <a href=\"https:\/\/www.thenewsminute.com\/videos\/let-me-explain\/indian-middle-class-rising-financial-burden-whats-the-way-out-lme-58\">Indian middle class &amp; rising financial burden. What&#8217;s the way out?<\/a> The News Minute. Jan 18, 2025.<\/span><\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>[\u0986\u09ac\u09be\u09b0 \u0986\u0997\u09be\u09ae\u09c0 \u09b8\u0982\u0996\u09cd\u09af\u09be\u09df]<\/strong><\/p>\n<hr \/>\n<p><strong><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u09ac\u09be\u09b8\u09cd\u09a4\u09ac\u09c7 \u09b8\u09cd\u099f\u09cd\u09af\u09be\u09a8\u09cd\u09a1\u09be\u09b0\u09cd\u09a1 \u09a1\u09bf\u09a1\u09be\u0995\u09b6\u09a8 \u09a7\u09b0\u09b2\u09c7 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3\u099f\u09be \u09b9\u09ac\u09c7 \u09e7\u09e8 \u09b2\u0995\u09cd\u09b7 \u09ed\u09eb \u09b9\u09be\u099c\u09be\u09b0 \u099f\u09be\u0995\u09be\u0964 \u0986\u09df\u0995\u09b0 \u09ac\u09bf\u09ad\u09be\u0997\u09c7\u09b0 \u0998\u09cb\u09b7\u09bf\u09a4 \u09a8\u09a4\u09c1\u09a8 \u0995\u09b0 \u0995\u09be\u09a0\u09be\u09ae\u09cb \u0985\u09a8\u09c1\u09af\u09be\u09df\u09c0, \u09a8\u09a4\u09c1\u09a8 \u09b0\u09c7\u099c\u09bf\u09ae\u09c7 \u09ed \u09b2\u0995\u09cd\u09b7 \u099f\u09be\u0995\u09be\u09b0 \u09a8\u09bf\u099a\u09c7 \u0995\u09b0 \u099b\u09be\u09dc \u098f\u09ac\u0982 \u09b8\u09cd\u099f\u09cd\u09af\u09be\u09a8\u09cd\u09a1\u09be\u09b0\u09cd\u09a1 \u09a1\u09bf\u09a1\u09be\u0995\u09b6\u09a8 \u09eb\u09e6,\u09e6\u09e6\u09e6 \u099f\u09be\u0995\u09be \u09a7\u09b0\u09c7 \u0995\u09bf\u099b\u09c1 \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u09a7\u09be\u09aa\u09c7 \u09e7\u09e8 \u09b2\u0995\u09cd\u09b7 \u09ed\u09eb \u09b9\u09be\u099c\u09be\u09b0 \u099f\u09be\u0995\u09be\u09b0 \u0985\u09ac\u09a7\u09bf \u099b\u09be\u09dc \u09aa\u09be\u0993\u09df\u09be \u09b8\u09ae\u09cd\u09ad\u09ac\u0964 \u09b8\u09c2\u09a4\u09cd\u09b0: <a href=\"https:\/\/www.indiabudget.gov.in\/doc\/budget_speech.pdf\">\u0995\u09c7\u09a8\u09cd\u09a6\u09cd\u09b0\u09c0\u09df \u09ac\u09be\u099c\u09c7\u099f \u09ac\u0995\u09cd\u09a4\u09c3\u09a4\u09be<\/a>, \u09e7 \u09ab\u09c7\u09ac\u09cd\u09b0\u09c1\u09df\u09be\u09b0\u09bf \u09e8\u09e6\u09e8\u09eb\u0964<\/strong><br \/>\n<strong><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u09aa\u09b0\u09bf\u09ae\u09be\u09a3\u099f\u09be \u0997\u09a1\u09bc\u09aa\u09a1\u09bc\u09a4\u09be \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u09ae\u09be\u09a5\u09be\u09aa\u09bf\u099b\u09c1 \u09ec\u09eb-\u09ed\u09e6 \u09b9\u09be\u099c\u09be\u09b0 \u099f\u09be\u0995\u09be \u09a7\u09b0\u09be \u09af\u09c7\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/strong><br \/>\n<strong><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> \u09ae\u09cc\u09b2\u09bf\u0995, \u09b8\u09c1\u09ae\u09a8 \u0995\u09b2\u09cd\u09af\u09be\u09a3\u0964 <a href=\"https:\/\/www.4numberplatform.com\/?p=38863\">\u099a\u0995\u09cd\u09b0\u09ac\u09cd\u09af\u09c2\u09b9\u09c7 \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u2014 \u09aa\u09cd\u09b0\u09b8\u09cd\u09a4\u09be\u09ac\u09a8\u09be<\/a>\u0964 \u099a\u09be\u09b0 \u09a8\u09ae\u09cd\u09ac\u09b0 \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u099f\u09ab\u09b0\u09cd\u09ae\u0964 \u098f\u09aa\u09cd\u09b0\u09bf\u09b2, \u09e8\u09e6\u09e8\u09eb\u0964<\/strong><br \/>\n<strong><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.oecd.org\/content\/dam\/oecd\/en\/publications\/reports\/2019\/05\/under-pressure-the-squeezed-middle-class_f3fa7167\/689afed1-en.pdf\">Under Pressure: The Squeezed Middle Class<\/a>. OECD.<\/strong><br \/>\n<strong><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.ice360.in\/app\/uploads\/2022\/11\/middle-class-brochure-2022.pdf\">Gearing Up for a Billion-Plus Middle Class by 2047<\/a>. PRICE.<\/strong><br \/>\n<strong><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/economictimes.indiatimes.com\/industry\/banking\/finance\/only-6-68-of-population-filed-income-tax-return-in-2023-24-fiscal\/articleshow\/116400121.cms?utm_source=chatgpt.com&amp;from=mdr\">Only 6.68% of population filed income tax return in 2023-24 fiscal<\/a>. The Economic Times. Dec 17, 2024.<\/strong><br \/>\n<strong><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/retail.economictimes.indiatimes.com\/news\/food-entertainment\/personal-care-pet-supplies-liquor\/fmcg-sector-facing-sluggish-demand-fb-growth-declines-to-1-5-2-nestle-india-cmd\/114487267?\">FMCG sector facing sluggish demand, F&amp;B growth declines to 1.5-2%: Nestle India CMD<\/a>. ET Retail.com. Oct 23, 2024.<\/strong><br \/>\n<strong><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.hindustantimes.com\/business\/car-sales-in-festive-season-low-vehicles-worth-rs-79-000-crore-lying-unsold-report-101730286291370.html?\">Car sales in festive season low, vehicles worth \u20b979,000 crore lying unsold: Report<\/a>. Hindustan Times. Oct 30, 2024.<\/strong><br \/>\n<strong><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.mospi.gov.in\/sites\/default\/files\/publication_reports\/Final_Report_HCES_2023-24L.pdf\">Survey on Household Consumption Expenditure: 2023-24<\/a>. NSSO.<\/strong><br \/>\n<strong><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> Agrawal, Ashish. <a href=\"https:\/\/www.financialexpress.com\/business\/industry-insights\/the-great-indian-household-debt-bubble-fact-or-fiction\/3803300\/\">The Great Indian Household Debt Bubble: Fact or Fiction?<\/a> Financial Express. Apr 15, 2025.<\/strong><br \/>\n<strong><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <u>\u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u09b8\u099e\u09cd\u099a\u09af\u09bc\u09c7\u09b0 \u09a8\u09bf\u09ae\u09cd\u09a8\u09ae\u09c1\u0996\u09c0 \u09aa\u09cd\u09b0\u09ac\u09a3\u09a4\u09be:<\/u><\/strong><\/p>\n<ul>\n<li><strong>\u09e8\u09e6\u09e8\u09e8-\u09e8\u09e9 \u0985\u09b0\u09cd\u09a5\u09ac\u099b\u09b0\u09c7, \u09a8\u09c7\u099f \u09b9\u09be\u0989\u09b8\u09b9\u09cb\u09b2\u09cd\u09a1 \u09ab\u09bf\u09a8\u09be\u09a8\u09cd\u09b8\u09bf\u09af\u09bc\u09be\u09b2 \u09b8\u09c7\u09ad\u09bf\u0982\u09b8 \u099c\u09bf\u09a1\u09bf\u09aa\u09bf\u09b0 \u09ae\u09be\u09a4\u09cd\u09b0 \u09eb% \u099b\u09bf\u09b2, \u09af\u09be \u0997\u09a4 \u09ea\u09ed \u09ac\u099b\u09b0\u09c7 \u09b8\u09b0\u09cd\u09ac\u09a8\u09bf\u09ae\u09cd\u09a8\u0964<\/strong><\/li>\n<li><strong>\u09e8\u09e6\u09e8\u09e9-\u09e8\u09ea \u0985\u09b0\u09cd\u09a5\u09ac\u099b\u09b0\u09c7, \u098f\u0987 \u09b9\u09be\u09b0 \u09b8\u09be\u09ae\u09be\u09a8\u09cd\u09af \u09ac\u09c7\u09a1\u09bc\u09c7 \u09eb.\u09e9% \u09b9\u09af\u09bc\u09c7\u099b\u09c7, \u09a4\u09ac\u09c7 \u098f\u099f\u09bf \u098f\u0996\u09a8\u0993 \u0990\u09a4\u09bf\u09b9\u09be\u09b8\u09bf\u0995\u09ad\u09be\u09ac\u09c7 \u09a8\u09bf\u09ae\u09cd\u09a8 \u09aa\u09b0\u09cd\u09af\u09be\u09af\u09bc\u09c7 \u09b0\u09af\u09bc\u09c7\u099b\u09c7\u0964<\/strong><\/li>\n<li><strong>\u098f\u0987 \u09b9\u09cd\u09b0\u09be\u09b8\u09c7\u09b0 \u09aa\u09c7\u099b\u09a8\u09c7 \u09aa\u09cd\u09b0\u09a7\u09be\u09a8 \u0995\u09be\u09b0\u09a3\u0997\u09c1\u09b2\u09bf\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09b0\u09af\u09bc\u09c7\u099b\u09c7 \u09ac\u09be\u09a1\u09bc\u09a4\u09bf \u098b\u09a3\u09c7\u09b0 \u09ac\u09cb\u099d\u09be \u098f\u09ac\u0982 \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u099e\u09cd\u099a\u09af\u09bc \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u09c7\u09b0 \u09aa\u09cd\u09b0\u09ac\u09a3\u09a4\u09be\u0964<\/strong><\/li>\n<\/ul>\n<p><strong>\u098f\u0987 \u09a4\u09a5\u09cd\u09af\u0997\u09c1\u09b2\u09bf \u09b0\u09bf\u099c\u09be\u09b0\u09cd\u09ad \u09ac\u09cd\u09af\u09be\u0999\u09cd\u0995\u09c7\u09b0 &#8220;<a href=\"https:\/\/rbi.org.in\/Scripts\/AnnualPublications.aspx?head=Handbook+of+Statistics+on+Indian+Economy\">Handbook of Statistics on the Indian Economy<\/a>&#8221; \u098f\u09ac\u0982 \u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u09aa\u09cd\u09b0\u0995\u09be\u09b6\u09a8\u09be\u09af\u09bc \u09aa\u09be\u0993\u09af\u09bc\u09be \u09af\u09be\u09af\u09bc\u0964<\/strong><br \/>\n<strong><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/marcellus.in\/blogs\/why-is-the-indian-middle-class-suffering\/\">Why is the Indian Middle-Class Suffering?<\/a> Nov 24, 2024; <a href=\"https:\/\/marcellus.in\/blogs\/indias-middle-class-is-losing-ground-to-the-rich-and-the-poor\/\">India\u2019s Middle Class is Losing Ground to the Rich &amp; the Poor<\/a>. Jan 23, 2025; <a href=\"https:\/\/marcellus.in\/blogs\/the-most-indebted-people-in-the-world\/\">The Most Indebted People in the World<\/a>. Mar 5, 2025.<\/strong><br \/>\n<strong><a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <u>\u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u09ac\u09c7\u09a4\u09a8\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09ae\u09be\u09a4\u09cd\u09b0 \u09e6.\u09e6\u09e7%<\/u>&#8212; India Ratings &amp; Research (Ind-Ra)-\u098f\u09b0 \u098f\u0995\u099f\u09bf \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8\u09c7 \u09a6\u09c7\u0996\u09be \u0997\u09c7\u099b\u09c7, \u09e8\u09e6\u09e7\u09ef-\u09e8\u09e6 \u0985\u09b0\u09cd\u09a5\u09ac\u099b\u09b0\u09c7\u09b0 \u09a6\u09cd\u09ac\u09bf\u09a4\u09c0\u09af\u09bc \u09a4\u09cd\u09b0\u09c8\u09ae\u09be\u09b8\u09bf\u0995 \u09a5\u09c7\u0995\u09c7 \u09e8\u09e6\u09e8\u09ea-\u09e8\u09eb \u0985\u09b0\u09cd\u09a5\u09ac\u099b\u09b0\u09c7\u09b0 \u09aa\u09cd\u09b0\u09a5\u09ae \u09a4\u09cd\u09b0\u09c8\u09ae\u09be\u09b8\u09bf\u0995 \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u099c\u09be\u09a4\u09c0\u09af\u09bc \u09b8\u09cd\u09a4\u09b0\u09c7 \u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u09ac\u09c7\u09a4\u09a8\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09b9\u09be\u09b0 \u099b\u09bf\u09b2 \u09ae\u09be\u09a4\u09cd\u09b0 \u09e6.\u09e6\u09e7%\u0964 \u098f\u0987 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8\u09c7 \u0986\u09b0\u0993 \u0989\u09b2\u09cd\u09b2\u09c7\u0996 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7 \u09af\u09c7, \u09b9\u09b0\u09bf\u09af\u09bc\u09be\u09a8\u09be \u0993 \u0989\u09a4\u09cd\u09a4\u09b0\u09aa\u09cd\u09b0\u09a6\u09c7\u09b6\u09c7\u09b0 \u09ae\u09a4\u09cb \u09b0\u09be\u099c\u09cd\u09af\u0997\u09c1\u09b2\u09bf\u09a4\u09c7 \u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u09ac\u09c7\u09a4\u09a8 \u09b9\u09cd\u09b0\u09be\u09b8 \u09aa\u09c7\u09af\u09bc\u09c7\u099b\u09c7\u0964 \u09ac\u09bf\u09b8\u09cd\u09a4\u09be\u09b0\u09bf\u09a4 \u09aa\u09a1\u09bc\u09c1\u09a8: Raghavan, TCA Sharad. <a href=\"https:\/\/theprint.in\/economy\/real-wages-grew-just-0-01-over-the-last-5-years-and-contracted-in-haryana-up-ind-ra-report-finds\/2379071\/\">Real wages grew just 0.01% over the last 5 years and contracted in Haryana &amp; UP, Ind-Ra report finds<\/a>. The Print. Nov 28, 2024.<\/strong><\/p>\n<p><strong><u>\u09e8\u09e6\u09e7\u09ef-\u09e8\u09e9: \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u0996\u09be\u09a4\u09c7 \u09ac\u09c7\u09a4\u09a8 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09b9\u09be\u09b0<\/u>\u2014 FICCI-Quess Corp-\u098f\u09b0 \u098f\u0995\u099f\u09bf \u09b8\u09ae\u09c0\u0995\u09cd\u09b7\u09be \u0985\u09a8\u09c1\u09af\u09be\u09af\u09bc\u09c0, \u09e8\u09e6\u09e7\u09ef \u09a5\u09c7\u0995\u09c7 \u09e8\u09e6\u09e8\u09e9 \u09b8\u09be\u09b2\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u0996\u09be\u09a4\u09c7 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09ac\u09c7\u09a4\u09a8 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u09b0 \u09b9\u09be\u09b0 \u099b\u09bf\u09b2 \u09a8\u09bf\u09ae\u09cd\u09a8\u09b0\u09c2\u09aa:<\/strong><\/p>\n<ul>\n<li><strong>FMCG: \u09eb.\u09ea%<\/strong><\/li>\n<li><strong>IT: \u09ea.\u09e6%<\/strong><\/li>\n<li><strong>BFSI (\u09ac\u09cd\u09af\u09be\u0999\u09cd\u0995\u09bf\u0982, \u09ab\u09bf\u09a8\u09be\u09a8\u09cd\u09b8, \u0987\u09a8\u09b8\u09cd\u09af\u09c1\u09b0\u09c7\u09a8\u09cd\u09b8): \u09e8.\u09ee%<\/strong><\/li>\n<li><strong>\u09b0\u09bf\u099f\u09c7\u0987\u09b2: \u09e9.\u09ed%<\/strong><\/li>\n<li><strong>\u09b2\u099c\u09bf\u09b8\u09cd\u099f\u09bf\u0995\u09b8: \u09ea.\u09e8%<\/strong><\/li>\n<li><strong>EMPI (\u0987\u099e\u09cd\u099c\u09bf\u09a8\u09bf\u09af\u09bc\u09be\u09b0\u09bf\u0982, \u09ae\u09cd\u09af\u09be\u09a8\u09c1\u09ab\u09cd\u09af\u09be\u0995\u099a\u09be\u09b0\u09bf\u0982, \u09aa\u09cd\u09b0\u09b8\u09c7\u09b8, \u0987\u09a8\u09ab\u09cd\u09b0\u09be\u09b8\u09cd\u099f\u09cd\u09b0\u09be\u0995\u099a\u09be\u09b0): \u09e6.\u09ee%<\/strong><\/li>\n<\/ul>\n<p><strong>\u09ac\u09bf\u09b8\u09cd\u09a4\u09be\u09b0\u09bf\u09a4 \u09aa\u09dc\u09c1\u09a8: Das, Yudhajit Shankar. <a href=\"https:\/\/www.indiatoday.in\/business\/story\/corporate-tax-break-middle-class-hurt-salary-hike-wages-income-tax-private-companies-2650554-2024-12-17\">How big corporates are choking middle class, hurting India growth story<\/a>. India Today. Dec 19, 2024.<\/strong><\/p>\n<p><strong>\u098f\u0987 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8\u09c7 \u0986\u09b0\u0993 \u0989\u09b2\u09cd\u09b2\u09c7\u0996 \u0995\u09b0\u09be \u09b9\u09af\u09bc\u09c7\u099b\u09c7 \u09af\u09c7, \u09e8\u09e6\u09e7\u09ef-\u09e8\u09e9 \u09b8\u09ae\u09af\u09bc\u0995\u09be\u09b2\u09c7 \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u0995\u09b0\u09cd\u09aa\u09cb\u09b0\u09c7\u099f \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u099a\u09be\u09b0\u0997\u09c1\u09a3 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09aa\u09c7\u09af\u09bc\u09c7\u099b\u09c7, \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09ac\u09c7\u09a4\u09a8\u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09b8\u09cd\u09a5\u09ac\u09bf\u09b0 \u099b\u09bf\u09b2\u0964 \u098f\u0987 \u09ac\u09c8\u09b7\u09ae\u09cd\u09af \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u09a4\u09c7 \u099a\u09be\u09b9\u09bf\u09a6\u09be \u09b9\u09cd\u09b0\u09be\u09b8 \u098f\u09ac\u0982 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\u09b6\u09cd\u09b0\u09c7\u09a3\u09bf\u09b0 \u0989\u09aa\u09b0 \u099a\u09be\u09aa \u09b8\u09c3\u09b7\u09cd\u099f\u09bf \u0995\u09b0\u099b\u09c7\u0964 \u09ac\u09bf\u09b8\u09cd\u09a4\u09be\u09b0\u09bf\u09a4 \u09aa\u09a1\u09bc\u09c1\u09a8: Brij, Arjun. <a href=\"https:\/\/swarajyamag.com\/news-brief\/corporate-profits-quadruple-as-wage-growth-stalls-raising-concerns-for-indias-economy-report\">Corporate Profits Quadruple As Wage Growth Stalls, Raising Concerns For India\u2019s Economy: Report<\/a>. Swarajya. Dec 12, 2024.<\/strong><br \/>\n<strong><a href=\"#_ftnref14\" name=\"_ftn14\">[14]<\/a> Bakshi, Sameer Ranjan. <a href=\"https:\/\/economictimes.indiatimes.com\/tech\/information-tech\/35-revenue-growth-to-diversity-thierry-delaporte-lists-wipro-feats-during-4-year-stint\/articleshow\/109137542.cms\">Former Wipro CEO Thierry Delaporte recaps his four-year stint in email to staff<\/a>. Economic Times. Apr 8, 2024.<\/strong><br \/>\n<strong><a href=\"#_ftnref15\" name=\"_ftn15\">[15]<\/a> Mukherjee, Anubhav. <a href=\"https:\/\/www.livemint.com\/companies\/people\/death-of-salaried-employment-saurabh-mukherjea-predicts-grim-outlook-for-indias-middle-class-in-this-decade-11745139726130.html\">\u2018Death of salaried employment\u2019: Saurabh Mukherjea predicts grim outlook for India&#8217;s middle class in this decade<\/a>. The Mint. Apr 20, 2025.<\/strong><br \/>\n<strong><a href=\"#_ftnref16\" name=\"_ftn16\">[16]<\/a> Adams, James Truslow. <em>The Epic of America<\/em>, 1931.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div class=\"fb-background-color\">\n\t\t\t  <div \n\t\t\t  \tclass = \"fb-comments\" \n\t\t\t  \tdata-href = \"https:\/\/www.4numberplatform.com\/?p=39109\"\n\t\t\t  \tdata-numposts = \"100\"\n\t\t\t  \tdata-lazy = \"true\"\n\t\t\t\tdata-colorscheme = \"light\"\n\t\t\t\tdata-order-by = \"time\"\n\t\t\t\tdata-mobile=true>\n\t\t\t  <\/div><\/div>\n\t\t  <style>\n\t\t    .fb-background-color {\n\t\t\t\tbackground: #ffffff !important;\n\t\t\t}\n\t\t\t.fb_iframe_widget_fluid_desktop iframe {\n\t\t\t    width: 100% !important;\n\t\t\t}\n\t\t  <\/style>\n\t\t  ","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>\u09b8\u09c1\u09ae\u09a8 \u0995\u09b2\u09cd\u09af\u09be\u09a3 \u09ae\u09cc\u09b2\u09bf\u0995 <a class=\"mh-excerpt-more\" href=\"https:\/\/www.4numberplatform.com\/?p=39109\" title=\"\u099a\u0995\u09cd\u09b0\u09ac\u09cd\u09af\u09c2\u09b9\u09c7 \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u2014 \u0997\u09b2\u09cd\u09aa \u09af\u0996\u09a8 \u09ae\u09a7\u09cd\u09af\u09ac\u09bf\u09a4\u09cd\u09a4\"><\/a><\/p>\n<\/div>","protected":false},"author":8,"featured_media":39108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[2430],"tags":[632,3001],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/06\/suman-kalyan.jpg?fit=1024%2C518&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p8MQkn-aaN","jetpack_likes_enabled":true,"jetpack-related-posts":[{"id":39993,"url":"https:\/\/www.4numberplatform.com\/?p=39993","url_meta":{"origin":39109,"position":0},"title":"\u099a\u0995\u09cd\u09b0\u09ac\u09cd\u09af\u09c2\u09b9\u09c7 \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u2014 \u099f\u09be\u0995\u09be\u09b0 \u09a7\u09be\u09b0\u09be\u09ac\u09be\u09b9\u09bf\u0995 \u09ae\u09c2\u09b2\u09cd\u09af\u09b9\u09cd\u09b0\u09be\u09b8","date":"November 22, 2025","format":false,"excerpt":"\u09b8\u09c1\u09ae\u09a8 \u0995\u09b2\u09cd\u09af\u09be\u09a3 \u09ae\u09cc\u09b2\u09bf\u0995 \u00a0 \u098f\u0995\u09b8\u09ae\u09df \u09a8\u09b0\u09c7\u09a8\u09cd\u09a6\u09cd\u09b0 \u09ae\u09cb\u09a6\u09bf \u09af\u0996\u09a8 \u0997\u09c1\u099c\u09b0\u09be\u09a4\u09c7\u09b0 \u09ae\u09c1\u0996\u09cd\u09af\u09ae\u09a8\u09cd\u09a4\u09cd\u09b0\u09c0 \u099b\u09bf\u09b2\u09c7\u09a8, \u09a4\u0996\u09a8 \u09a8\u09bf\u09df\u09ae\u09bf\u09a4 \u099f\u09be\u0995\u09be\u09b0 \u0985\u09ac\u09ae\u09c2\u09b2\u09cd\u09af\u09be\u09df\u09a8 \u09a8\u09bf\u09df\u09c7 \u09a4\u09bf\u09a8\u09bf \u09a4\u09ce\u0995\u09be\u09b2\u09c0\u09a8 \u09aa\u09cd\u09b0\u09a7\u09be\u09a8\u09ae\u09a8\u09cd\u09a4\u09cd\u09b0\u09c0 \u09ae\u09a8\u09ae\u09cb\u09b9\u09a8 \u09b8\u09bf\u0982\u0995\u09c7 \u0986\u0995\u09cd\u09b0\u09ae\u09a3 \u0995\u09b0\u09a4\u09c7\u09a8\u0964 \u098f\u0995 \u099c\u09a8\u09b8\u09ad\u09be\u09df \u09a4\u09bf\u09a8\u09bf \u09ac\u09b2\u09c7\u099b\u09bf\u09b2\u09c7\u09a8: \"\u09aa\u09cd\u09b0\u09a7\u09be\u09a8\u09ae\u09a8\u09cd\u09a4\u09cd\u09b0\u09c0 \u0993 \u09ad\u09be\u09b0\u09a4\u09c0\u09df \u09ae\u09c1\u09a6\u09cd\u09b0\u09be \u09a6\u09c1\u0987\u0987 \u0986\u099c \u09a8\u09c0\u09b0\u09ac\u0964 \u098f\u0995\u099f\u09be \u09b8\u09ae\u09df \u099b\u09bf\u09b2 \u09af\u0996\u09a8 \u09aa\u09c3\u09a5\u09bf\u09ac\u09c0\u099c\u09c1\u09dc\u09c7 \u09ad\u09be\u09b0\u09a4\u09c0\u09df \u09b0\u09c1\u09aa\u09bf\u09b0 \u0986\u0993\u09df\u09be\u099c \u09b6\u09cb\u09a8\u09be \u09af\u09c7\u09a4\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u0986\u099c \u09b8\u09c7 \u09b6\u09ac\u09cd\u09a6 \u09b9\u09be\u09b0\u09bf\u09df\u09c7\u099b\u09c7\u0964 \u098f\u0995\u0987\u09ad\u09be\u09ac\u09c7\u2026","rel":"","context":"In &quot;\u09ac\u09bf\u09b6\u09c7\u09b7 \u09a8\u09bf\u09ac\u09a8\u09cd\u09a7 \u0993 \u09b8\u09be\u0995\u09cd\u09b7\u09be\u09ce\u0995\u09be\u09b0&quot;","img":{"alt_text":"","src":"https:\/\/i1.wp.com\/www.4numberplatform.com\/wp-content\/uploads\/2025\/11\/sumankalyan.jpg?fit=1024%2C518&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":39016,"url":"https:\/\/www.4numberplatform.com\/?p=39016","url_meta":{"origin":39109,"position":1},"title":"\u099c\u09be\u09aa\u09be\u09a8, \u09b0\u09be\u09ae\u09be \u0995\u09c8\u09ac\u09b0\u09cd\u09a4 \u098f\u09ac\u0982 \u099c\u09bf\u09a1\u09bf\u09aa\u09bf\u09b0 \u0997\u09b2\u09cd\u09aa","date":"May 29, 2025","format":false,"excerpt":"\u09b8\u09c1\u09ae\u09a8 \u0995\u09b2\u09cd\u09af\u09be\u09a3 \u09ae\u09cc\u09b2\u09bf\u0995 \u00a0 \u098f\u0995\u099f\u09bf \u09a6\u09c7\u09b6\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf \u0986\u09a6\u09a4\u09c7 \u0995\u09c7\u09ae\u09a8 \u099a\u09b2\u099b\u09c7, \u09a4\u09be \u09ac\u09cb\u099d\u09be \u09af\u09be\u09df \u09b8\u09c7\u0987 \u09a6\u09c7\u09b6 \u0995\u09cd\u09b7\u09c1\u09a7\u09be\u0995\u09c7 \u0995\u09a4\u099f\u09be \u099c\u09df \u0995\u09b0\u09a4\u09c7 \u09aa\u09c7\u09b0\u09c7\u099b\u09c7, \u09b8\u09c7\u0987 \u09a8\u09bf\u09b0\u09bf\u0996\u09c7\u0964 \u0985\u09a5\u099a \u09aa\u09c3\u09a5\u09bf\u09ac\u09c0\u09b0 \u2018\u099a\u09a4\u09c1\u09b0\u09cd\u09a5 \u09ac\u09c3\u09b9\u09a4\u09cd\u09a4\u09ae\u2019 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u09b0 \u09a2\u09be\u0995\u09a2\u09cb\u09b2 \u09aa\u09c7\u099f\u09be\u09a8\u09cb \u09ad\u09be\u09b0\u09a4\u09c7\u09b0 \u09ed\u09e6 \u09b6\u09a4\u09be\u0982\u09b6 \u09ae\u09be\u09a8\u09c1\u09b7 \u0995\u09cb\u09a8\u0993 \u09a8\u09be \u0995\u09cb\u09a8\u0993\u09ad\u09be\u09ac\u09c7 \u0996\u09be\u09a6\u09cd\u09af-\u09b8\u0982\u0995\u09cd\u09b0\u09be\u09a8\u09cd\u09a4 \u09a8\u09bf\u09b0\u09be\u09aa\u09a4\u09cd\u09a4\u09be\u09b9\u09c0\u09a8\u09a4\u09be\u09df \u09ad\u09cb\u0997\u09c7\u0964 \u0995\u09cd\u09b7\u09c1\u09a7\u09be 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