 o`)koLFkk thou dh lPpkbZ rFkk ,d lkoZHkkSfed ,oa 'kk’or voLFkk gSA mlls thou esa dbZ

'kkjhfjd] eukfld rFkk lajpukRed vkrs gSaA

 cSUtkfeu ykWl ds vuqlkj o`)koLFkk ,d fof’k"V chekjh ds leku gS ;g og chekjh gS tks
çR;sd O;fDr dks yxrh gSA
 fo’o ds vf/kdka’k ns’kksa esa lkekU;r% 65 o"kZ ls vf/kd vk;q ds O;fDr;ksa dh x.kuk o`) oxZ ds
vUrxZr dh tkrh gSA ijUrq Hkkjr esa ;g vk;q 60 o"kZ dj fn;k x;k gSA
¼1½ tu LokLF; ds Lrj esa lq/kkj ¼2½ fpfdRlk lqfo/kk esa o`f) f’k{kk] ¼3½ f’k{kk] ¼4½ csgrj iks"k.k
¼5½ thou Lrj esa lq/kkj tSls lkekftd dkjdks rFkk ¼6½ rduhdh fodkl ds dkj.k tula[;kxr
ifjorZu gksrs gSa rFkk ;g ifjorZu o`) tuksa ds tula[;k esa ns[kus dks feyrh gSA
;fn tula[;k çk:i dks ns[kk tk; rks Li"V gksrk gS fd budh tula[;k esa fujarj o`f) gks
jgh gS tks fn;s x;s gS&

1901 38-60 56-35 5-05

1951 37-50 56-35 5-65
1981 39-54 53-92 5-90
2001 35-30 56-90 6-90
2011 34-70 7-4
2026 12-7

 mi;qZDr vkadM+s ls Li"V gS fd 19-51 esa mudh tula[;k 2 djksM+ Fkh ysfdu orZeku le; esa
7-5 djksM+ gS vFkkZr 2001 esa ;g tula[;k 76 fefy;u gS] tks 2021 rd 137 feyf;u rFkk
2025 rd 146 fefy;u gks tkus dh laHkkouk gS rFkk 2050 rd 32-6 djksM+ gks tk;sxhA

pg. 1
 mi;qZDr rF;ksa ls Li"V gS fd o`)koLFkk rsth ls c<+ jgh gS] blds fy, cgqr ls dkjd ftEesnkj
gS%&
(i) vkS|ksfxdj.k rFkk uxjhdj.k
(ii) f’k{kk
(iii) foyec 'kkfn;ka
(iv) esfMdy lqfo/kkvksa esa lq/kkj
(v) e`R;qnj esa dehA

(i) Hkkjr esa cqtqxksZ dk ges’kk ls lEeku jgk gS] os ifjokj ds eqf[k;k gksrs gSa ijUrq
vkS|ksfxdj.k] uxjhdj.k rFkk vk/kqfud f’k{kk us bl çcy çfreku esa ifjorZu yk;k gSA
(ii) rsth ls cnyrh nqfu;k ,oa rduhdh us u;h ih<+h dks rjthg nsuk 'kq: fd;k gS rFkk
iqjkus ih<+h ds yksxksa dks egRoghu le>us yxh gSA mudh vmRikndrk rFkk lhekUrhdj.k
dks muds detksj LokLF; ,oa ckSf)d {kerk dh deh ds v/kkj ij rdZlx a r le>k tk
jgk gSA blfy, mudh fuHkZjrk ubZ ih<+h ij c<+rh tk jgh gSA
(iii) vkt mUgsa 'kkjhfjd rFkk lkekftd :i esa o`) lEeku tk jgk gSA 'kkjhfjd o)koLFkk ,d
uSlfxZd rF; gS ijUrq lkekftd Ageing ¼o`)koLFkk½ ,d ,slh fLFkfr gS ftlesa mUgsa ml
rjg ls vyx&Fkyx fd;k tk jgk gSA ftlds vk/kkj ij os vius dks egRoghu le>us
yxs gSaA vr% mudh leL;k fuEufyf[kr gSa %&
o 'kkjhfjd detksjh rFkk chekjhA
o Ekufld ruko rFkk volknA
o ifjokj rFkk lekt ds lkFk lek;kstu dh leL;kA
o vyxko] vdsykiu rFkk foyxkoA
o [kkyh le; dks xqtkjus dh leL;kA
o Lkisf{kd oapu (Relative Deprivation) & igys dh rqyuk eas detksj eglwl djukA
o vkfFkZd leL;k,sa %& ;qok oxZ] xjhch (30%)] Hksn&Hkko] laifÙk oxZ vf/kdkj] vkfFkZd
lhekUrhdj.k] csjkstxkjhA
o lkekftd lqj{kk dk vHkkoA
o dk;Z lgHkkfxrk dh deh & fgalk & lkekftd] ikfjokfjd

pg. 2
 Section – 125 of Cr. PC Hkj.k&iks"k.k dk vf/kdkjA
 Domestic Violance Act, 2005 & 'kkjhfjd] ekufld] vkfFkZd] ;kSu rFkk vU; ls lqj{kk
 ljdkj dks o`)tuksa ls lacaf/kr uhfr;ksa ij lq>ko nsukA muds
dY;k.k ds fy, ljdkj dks funsZ’k nsukA

(i) foÙkh; lqj{kk
(ii) LokLF; laca/kh ns[kHkky
(iii) Lkekftd lqj{kk
(iv) os ,d lalk/ku gSa rFkk mUgsa lqfo/kk eqgS;k djk;k tk; rkfd ifjokj ,oa lekt dks
viuk ;ksxnku ns ldsA
(v) vkJ; dh O;oLFkk (10% edku½
(vi) euksjatu ds lk/kuksa dk fodkl
(vii) oSls yksxksa dks çf’kf{kr djuk tks o`)tuksa dh lsok djuk pkgrk gSA
(viii) ifjokj dks muds ns[kjs[k ds fy, çksRlkfgr djukA
(ix) vkRefuHkZj gksus ds fy, muds chp tkx:drk iSnk djukA
(x) o`)koLFkk ds fy, ekufld :i ls rS;kj djukA
(xi) NGOs dks bl fn’kk esa çsfjr djukA


(i) çFke ç;kl 1840] caxykSj esaA
(ii) blds fy, ftyk Lrj ij [kksyk x;k gSA
(iii) o`)k vkJe esa fuEufyf[kr çko/kku gS % ¼vkuUn fudsru] gsYist bafM;k] ,t ds;j½
o ekSfyd vko’;drkvksa dh iwfrZ ¼diM+k] Hkkstu] fpfdRlk½
o euksjatu ds lk/ku }kjk mudks eukSoSKkfud lgk;rkA
o /kkfeZd rFkk jk"ªh; dk;ZØeksa dk fu;kstu djkukA
o mUgsa mi;qDr O;olk; ds fy, çsfjr djuk rFkk mlesa yxkukA

pg. 3

(i) New Indira Gandhi National Pension Scheme

(ii) mez 60 o"kZ

(iii) o`)] xjhc] fo/kok] foykax dksA
(iv) fofHkUu isa’ku Ldhe (E.S.I. 1945)
(v) ofj"B ukxfjd cpr ;kstuk] 2004] 9% C;ktnj
(vi) vk;dj esa NwV %& 60 $ o"kZ] 2]50000@&] 80 $ o"kZ] 5]00000@&
 Ageing U.N.O.

(i) tula[;k dk lkekU; o`f) nj 17-8% rks cqtqxksZa dk 38-5%

(ii) phu rFkk Hkkjr esa o`)ksa dh la[;k 4-4% ls rFkk fo’o vkSlr 2-6% dk gSA
(iii) vUuiw.kkZ vUu ;kstuk] 2000 & ysfdu vUu ubZ isa’ku ;kstuk 2007 esa 'kkfey dj fn;k
x;k gSA

(i) 5-5 o"kZ rFkk vf/kd
(ii) Money invested 33,3.35 – 3, 66, 665%

(iii) U;wure isa’ku 250/- vf/kdre & 2000@&] 9% interest


(i) o`)ksa dks fpfdRldh; lqfo/kk,sa miyC/k djkukA
(ii) o`)ksa ds fy, va’kdkfyd jkstxkj
(iii) muds fy, Hkze.kksa ,oa ;k=kvksa dh O;oLFkk djuk
(iv) muds leL;kvksa ij 'kks/k djuk
(v) 50 o"kZ ls vf/kd ok;q okys iq:"kksa rFkk fL=;ksa dks vkoklh; ,oa laLFkkxr lqfo/kkvksa ds
ek/;e ls 'kSf{kd] euksjatukRed] lkaLÑfrd lsok,a çnku djukA

pg. 4

(i) o`)koLFkk esa mudh leqfpr ns[k&Hkky djuk
(ii) larkuksa dks vius cqtx
q ksZ dh ns[kHkky djus ds fy, ck/; djuk] ,slk ugha djus ij
dkuwuh dk;ZokbZ djukA
(iii) vogsyuk djus ij 5000 :- tqekZuk rFkk 3 eghus rd tsy dk çko/kkuA
(iv) bl fo/ks;d esa ofj"B ukxfjdksa dks olh;r cnyus dk fodYi çkIr gksxkA

(i) o`) yksxksa ds ekuoh; t:jrksa rFkk fodkl ds fy, jk"Vªh; ra= dks etcwr djukA
(ii) fjlpZ dk;Z&[kkldj muds tulkaf[;dh] lkekftd] lkaLÑfrd] vkfFkZd vk;keksa ij
(iii) leqnk; ;k laLFkk vk/kkfjr ns[kjs[k O;oLFkk dh LFkkiuk djukA
(iv) fodkl ls lacaf/kr uhfr;ksa rFkk dk;ZØeksa esa o`) O;fDr;ksa ds laxBuksa rFkk lfefr;ksa dks
'kkfey djukA

(i) bldk eq[; mís’; gS NGOs rFkk Lo;alsoh laLFkkuksa dks foÙkh; lgk;rk çnku djuk
(upto 90%)

(i) SHG, Voluntary Organisation rFkk iapk;rhjkt laLFkk dks o`)kvkJe rFkk ckgqvk;keh
lsok ds fy, lgk;rk nsukA
(ii) Alzheimer Disease, dementia, Parkinson’s disease depression & psychological
disorders dks nwj djus ds fy, National Mental Health program dh 'kq:vkrA
(iii) National Housing Bank ds }kjk Reverse Mortgage ;kstuk ftlds rgr ?kj dks
ca/kd ds vk/kkj ij o`)tuksa dks ,d fuf’pr vk; lqfuf’pr djukA

(i) Ms ds;j lsUVj ;k Dyc
(ii) 'kkjhfjd ,oa ekufld jksxksa ls xzflr yksxksa ds fy, lykg nsukA
(iii) laLFkkxr laca/kksa dks fodflr djukA
(iv) foÙkh; lgk;rk nsukA

pg. 5
 ;g fofHkUu dkjdksa ij vk/kkfjr gS tSls fd mudh
tula[;k rsth ls c<+uk] cnyrs vkfFkZd&lkekftd ifjn`’;] esfMdy lkbUl esa fodkl bR;kfnA
vr% blds vUrxZr fuEufyf[kr ckrsa gSaA
(i) o`)koLFkk dks lqfo/kktud cukuk rFkk bldh xfjek cuk, j[kus ds fy, ?kjksa esa gh
o`)koLFkk thou;kiu djukA lkFk gh lkFk vk; dh lqj{kk] LokLF; ns[kHkky rFkk
o`)koLFkk is’a ku rFkk LokLF; chek ;kstukvksa rd igq¡p cukuk gSA
(ii) ofj"B ukxfjdksa dks ns’k dk ewY;oku lalk/ku ekurs gq, muds fy, leku voljksa]
vf/kdkjksa dk laj{k.k vkSj lekt esa mudh iw.kZ Hkkxhnkjh lqfuf’pr djukA blds fy,
BPL okys ofj"B ukxfjdksa dks lkekftd lqj{kk] LokLF; ns[k js[k] vkokl ,oa dY;k.k
dks lqfuf’pr djus ds fy, jkT; dh Hkwfedk dks c<+kukA
(iii) ekrk&firk Hkj.k&iks"k.k ,oa ofj"B ukxfjd vf/kfu;e 2007 dk fØ;kUo;u djukA
(iv) bafnjk xk¡/kh jk"Vªh; o`)koLFkk isa’ku ;kstuk ds vUrxZr o;kso) dks 'kkfey djukA
(v) xjhch js[kk ds uhps jgus okys lHkh ofj"B ukxfjdksa rd lkoZtfud forj.k ç.kkyh
lqfuf’pr djukA
(vi) mudh LokLF; ns[kjs[k gsrq mPp çkFkfedrkA
(vii) iapk;rh jkt laLFkk dks bl uhfr dks ykxw djus gsrq funsZ’k fn;k tk;sxkA
(viii) lkekftd U;k; rFkk vf/kdkfjrk ea=h dh v/;{krk esa ,d jk"Vªh; ofj"B ukxfjd
ifj"kn dh LFkkiuk dh tk,xh ftldk dk;Zdky 5 lky gksxk rFkk bl uhfr dh
fuxjkuh djsxkA
(ix) jk"Vªh; ofj"B ukxfjd vk;ksx dk xBu fd;k tk;sxkA
(x) ofj"B ukxfjdksa ds fy, dY;k.k dks"k dk xBu fd;k tk;sxkA
 2010 esa vlaxfBr {ks= ds ukxfjdksa ds fy, tkjh dh x;h isa’ku ;kstuk
gS ftldk fu;a=.k is’a ku QaM jsX;wysVjh ,oa MsoyiesUV vFkkWfjVh (PFRDA) djrk gSA
(i) ;g LoSfNd ;kstuk gS ftldk [kkrk ns’k Hkj esa dgha Hkh pyk;k tk ldrk gSA
(ii) ;g ek= 100@& ds fuos’k ls Hkh pykbZ tk ldrh gS rFkk blesa chp ls fudklh ugha
dh tk ldrh gSA

pg. 6
 (iii) ;g 18&55 o"kZ ds lHkh ukxfjdksa dks miyC/k gS tks 60 o"kZ ls 'kq: gksdj e`R;q rd
pysxkA
(iv) U;wure çfro"kZ va’knku &1000@& rFkk vf/kdre 12000@& gSA

(i) ;g LokyEcu ;kstuk dks Replace djsxkA
(ii) blds vUrxZr 60 lky dh mez ls isa’ku feysxk rFkk de ls de va’knku &
1000@& çfrekg
2000@& çfrekg
3000@& izfrekg
4000@& çfrekg
vf/kdre 5000@& çfrekg
(iii) vk;q lhek %& 18&40 o"kZ
(iv) va’knku %& de ls de 20 o"kZ
(v) dsUnz ljdkj dk lg;ksx 50@ ;k fQj 1000@ çfro"kZ & 5 o"kksZa rd

(i) muds dY;k.k gsrq %&
(ii) Public Provident Fund rFkk Employee Provident Fund ds jkf’k dks [kpZ djuk ftl
ij fdlh us nkok ugha fd;k gS rFkk tks 7 lkyksa ls yafcr iM+k gSA
(iii) PPF ls 3000 djksM+ rFkk
EPF ls 6000 djksM+ ds jkf’k dk nkokA
(iv) ;g vUrj ea=kyh; lfefr ds }kjk funsZf’kr gksxkA

(i) o`)kJeksa dh LFkkiuk
(ii) Day care centres
(iii) ofj"B ukxfjd cpr ;kstuk
(iv) ofj"B esfMDyse ;kstuk bR;kfnA

pg. 7
 United Nations
(i) jk"Vªh; ra= dh LFkkiuk rFkk mldh etcwrh rkfd muds fodkl ds laHkkouk dks çkIr
fd;k tk ldsA
(ii) mldh leL;kvksa ij 'kks/k dk;Z dks c<+kokA
(iii) lkeqnk; vk/kkfjr ns[kjs[k dks c<+kokA
(iv) ofj"Btuksa dk laxBu cukuk tk muds fodkl laca/kh uhfr;ksa esa Hkkx ysA

pg. 8