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src=\"https:\/\/ncfe.org.in\/wp-content\/uploads\/2023\/12\/03_reg_consumer-1.svg\" class=\"attachment-full size-full wp-image-2231\" alt=\"\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/ncfe.org.in\/ka\/wp-content\/uploads\/evideos\/Topic%20_17_Regulation_and_Consumer_Protection\/story_html5.html\">\u0ca8\u0cbf\u0caf\u0c82\u0ca4\u0ccd\u0cb0\u0ca3 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0c97\u0ccd\u0cb0\u0cbe\u0cb9\u0c95 \u0cb0\u0c95\u0ccd\u0cb7\u0ca3\u0cc6<\/a><\/h3><p class=\"elementor-image-box-description\">\n<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3ef65a e-con-full  namula-modal-box  e-flex e-con e-child\" data-id=\"e3ef65a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e608c4c ncfe-sample-modules elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"e608c4c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/ncfe.org.in\/ka\/wp-content\/uploads\/evideos\/Topic_10_Planning_and_Managing_Finance\/story_html5.html\" tabindex=\"-1\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/ncfe.org.in\/wp-content\/uploads\/2023\/12\/04_retirement-1.svg\" class=\"attachment-full size-full wp-image-2232\" alt=\"\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/ncfe.org.in\/ka\/wp-content\/uploads\/evideos\/Topic_10_Planning_and_Managing_Finance\/story_html5.html\">\u0ca8\u0cbf\u0cb5\u0cc3\u0ca4\u0ccd\u0ca4\u0cbf 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src=\"https:\/\/ncfe.org.in\/wp-content\/uploads\/2023\/12\/05_investment-1.svg\" class=\"attachment-full size-full wp-image-2233\" alt=\"\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/ncfe.org.in\/ka\/wp-content\/uploads\/evideos\/Topic_08_Investments\/story_html5.html\">\u0cb9\u0cc2\u0ca1\u0cbf\u0c95\u0cc6<\/a><\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9ae8cd e-con-full  namula-modal-box  e-flex e-con e-child\" data-id=\"d9ae8cd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0334f80 ncfe-sample-modules elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"0334f80\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/ncfe.org.in\/ka\/wp-content\/uploads\/evideos\/Topic_15_Balancing_Risk_and_Reward\/story_html5.html\" tabindex=\"-1\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/ncfe.org.in\/wp-content\/uploads\/2023\/12\/06_risk_rewards-2.svg\" class=\"attachment-full size-full wp-image-2222\" alt=\"\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/ncfe.org.in\/ka\/wp-content\/uploads\/evideos\/Topic_15_Balancing_Risk_and_Reward\/story_html5.html\">\u0c85\u0caa\u0cbe\u0caf \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0caa\u0ccd\u0cb0\u0ca4\u0cbf\u0cab\u0cb2\u0c97\u0cb3\u0ca8\u0ccd\u0ca8\u0cc1 \u0cb8\u0cae\u0ca4\u0ccb\u0cb2\u0ca8 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src=\"https:\/\/ncfe.org.in\/wp-content\/uploads\/2023\/12\/07_fin_safety-1.svg\" class=\"attachment-full size-full wp-image-2223\" alt=\"\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/ncfe.org.in\/ka\/wp-content\/uploads\/evideos\/Topic_14_Financial_Safety_Nets_and_Insurance\/story_html5.html\">\u0cb9\u0ca3\u0c95\u0cbe\u0cb8\u0cc1 \u0cb8\u0cc1\u0cb0\u0c95\u0ccd\u0cb7\u0ca4\u0cbe \u0c9c\u0cbe\u0cb2\u0c97\u0cb3\u0cc1 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0cb5\u0cbf\u0cae\u0cc6<\/a><\/h3><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3214e8f elim-padding e-flex e-con-boxed e-con e-parent\" data-id=\"3214e8f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec1ca8 elementor-widget elementor-widget-text-editor\" data-id=\"6ec1ca8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>* \u0cb8\u0c82\u0caa\u0cc2\u0cb0\u0ccd\u0ca3 20 \u0cae\u0cbe\u0ca1\u0ccd\u0caf\u0cc2\u0cb2\u0ccd\u200c\u0c97\u0cb3\u0ca8\u0ccd\u0ca8\u0cc1 \u0caa\u0ccd\u0cb0\u0cb5\u0cc7\u0cb6\u0cbf\u0cb8\u0cb2\u0cc1, \u0ca6\u0caf\u0cb5\u0cbf\u0c9f\u0ccd\u0c9f\u0cc1 \u0ca8\u0cae\u0ccd\u0cae \u0c87-\u0c8e\u0cb2\u0ccd\u0c8e\u0c82\u0c8e\u0cb8\u0ccd \u0caa\u0ccb\u0cb0\u0ccd\u0c9f\u0cb2\u0ccd\u200c\u0ca8\u0cb2\u0ccd\u0cb2\u0cbf \u0ca8\u0ccb\u0c82\u0ca6\u0cbe\u0caf\u0cbf\u0cb8\u0cbf\u0c95\u0cca\u0cb3\u0ccd\u0cb3\u0cbf.<\/p><p>\u0caf\u0cbe\u0cb5\u0cc1\u0ca6\u0cc7 \u0ca8\u0ccb\u0c82\u0ca6\u0cbe\u0caf\u0cbf\u0ca4 \u0cac\u0cb3\u0c95\u0cc6\u0ca6\u0cbe\u0cb0\u0cb0\u0cc1 \u0c95\u0ccb\u0cb0\u0ccd\u0cb8\u0ccd \u0c85\u0ca8\u0ccd\u0ca8\u0cc1 \u0caa\u0ccd\u0cb0\u0cb5\u0cc7\u0cb6\u0cbf\u0cb8\u0cac\u0cb9\u0cc1\u0ca6\u0cc1 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0ca8\u0ccb\u0c82\u0ca6\u0ca3\u0cbf\u0caf\u0cc1 \u0c89\u0c9a\u0cbf\u0ca4\u0cb5\u0cbe\u0c97\u0cbf\u0ca6\u0cc6. \u0ca8\u0ccb\u0c82\u0ca6\u0ca3\u0cbf\u0caf\u0ca8\u0ccd\u0ca8\u0cc1 \u0caa\u0cc2\u0cb0\u0ccd\u0ca3\u0c97\u0cca\u0cb3\u0cbf\u0cb8\u0cb2\u0cc1 \u0cac\u0cb3\u0c95\u0cc6\u0ca6\u0cbe\u0cb0\u0cb0\u0cc1 \u0ca6\u0cc3\u0ca2\u0cc0\u0c95\u0cc3\u0ca4 \u0c87\u0cae\u0cc7\u0cb2\u0ccd \u0c90\u0ca1\u0cbf \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0cae\u0cca\u0cac\u0cc8\u0cb2\u0ccd \u0cb8\u0c82\u0c96\u0ccd\u0caf\u0cc6\u0caf\u0ca8\u0ccd\u0ca8\u0cc1 \u0c92\u0ca6\u0c97\u0cbf\u0cb8\u0cac\u0cc7\u0c95\u0cc1.<\/p><p>\u0cac\u0cb3\u0c95\u0cc6\u0ca6\u0cbe\u0cb0\u0cb0\u0cc1 \u0c87\u0cb2\u0ccd\u0cb2\u0cbf<a href=\"https:\/\/ncfearthashiksha.in\"> https:\/\/ncfearthashiksha.in<\/a> \u0ca8\u0cb2\u0ccd\u0cb2\u0cbf \u0ca8\u0ccb\u0c82\u0ca6\u0cbe\u0caf\u0cbf\u0cb8\u0cbf\u0c95\u0cca\u0cb3\u0ccd\u0cb3\u0cac\u0cb9\u0cc1\u0ca6\u0cc1 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0cb8\u0ccd\u0cae\u0cbe\u0cb0\u0ccd\u0c9f\u0ccd\u200c\u0cab\u0ccb\u0ca8\u0ccd\/ \u0caa\u0cbf\u0cb8\u0cbf \u0cae\u0cc2\u0cb2\u0c95 \u0c95\u0ccb\u0cb0\u0ccd\u0cb8\u0ccd \u0c85\u0ca8\u0ccd\u0ca8\u0cc1 \u0caa\u0ccd\u0cb0\u0cb5\u0cc7\u0cb6\u0cbf\u0cb8\u0cac\u0cb9\u0cc1\u0ca6\u0cc1. iOS\/\u0c86\u0c82\u0ca1\u0ccd\u0cb0\u0cbe\u0caf\u0ccd\u0ca1\u0ccd \u0cb8\u0ccd\u0c9f\u0ccb\u0cb0\u0ccd\u200c\u0ca8\u0cbf\u0c82\u0ca6 \u0c85\u0ca7\u0cbf\u0c95\u0cc3\u0ca4 \u0cae\u0cc2\u0ca1\u0cb2\u0ccd \u0c85\u0caa\u0ccd\u0cb2\u0cbf\u0c95\u0cc7\u0cb6\u0ca8\u0ccd \u0ca1\u0ccc\u0ca8\u0ccd\u200c\u0cb2\u0ccb\u0ca1\u0ccd \u0cae\u0cbe\u0ca1\u0cc1\u0cb5 \u0cae\u0cc2\u0cb2\u0c95 \u0cae\u0cca\u0cac\u0cc8\u0cb2\u0ccd \u0c85\u0caa\u0ccd\u0cb2\u0cbf\u0c95\u0cc7\u0cb6\u0ca8\u0ccd \u0cac\u0cb3\u0cb8\u0cbf \u0c95\u0ccb\u0cb0\u0ccd\u0cb8\u0ccd \u0c85\u0ca8\u0ccd\u0ca8\u0cc1 \u0caa\u0ccd\u0cb0\u0cb5\u0cc7\u0cb6\u0cbf\u0cb8\u0cac\u0cb9\u0cc1\u0ca6\u0cc1.<\/p><p>\u0caa\u0ccd\u0cb0\u0ca4\u0cbf\u0c95\u0ccd\u0cb0\u0cbf\u0caf\u0cc6\u0c97\u0cbe\u0c97\u0cbf \u0c85\u0ca5\u0cb5\u0cbe \u0c8e\u0ca8\u0ccd.\u0cb8\u0cbf.\u0c8e\u0cab\u0ccd.\u0c87 \u0c87-\u0c8e\u0cb2\u0ccd\u0c8e\u0c82\u0c8e\u0cb8\u0ccd \u0c97\u0cc6 \u0cb8\u0c82\u0cac\u0c82\u0ca7\u0cbf\u0cb8\u0cbf\u0ca6 \u0caf\u0cbe\u0cb5\u0cc1\u0ca6\u0cc7 \u0caa\u0ccd\u0cb0\u0cb6\u0ccd\u0ca8\u0cc6\u0c97\u0cb3\u0cbf\u0c97\u0cc6 \u0ca6\u0caf\u0cb5\u0cbf\u0c9f\u0ccd\u0c9f\u0cc1 \u0ca8\u0cae\u0c97\u0cc6 &#8220;<strong>elms@ncfe.org.in<\/strong>&#8221; \u0ca8\u0cb2\u0ccd\u0cb2\u0cbf \u0cac\u0cb0\u0cc6\u0caf\u0cbf\u0cb0\u0cbf<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c240e3 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"8c240e3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0daab2 elementor-widget elementor-widget-ucaddon_blox_btn_group\" data-id=\"c0daab2\" data-element_type=\"widget\" data-widget_type=\"ucaddon_blox_btn_group.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n<!-- start Button Group -->\n\t\t<link id='font-awesome-css' href='https:\/\/ncfe.org.in\/ka\/wp-content\/plugins\/unlimited-elements-for-elementor\/assets_libraries\/font-awesome6\/fontawesome-all.min.css' type='text\/css' rel='stylesheet' >\n\t\t<link id='font-awesome-4-shim-css' href='https:\/\/ncfe.org.in\/ka\/wp-content\/plugins\/unlimited-elements-for-elementor\/assets_libraries\/font-awesome6\/fontawesome-v4-shims.min.css' type='text\/css' rel='stylesheet' >\n\n<style>\/* widget: Button Group *\/\n\n#uc_blox_btn_group_elementor_c0daab2\n{\n  display:flex;\n  flex-wrap: wrap;\n}\n\n#uc_blox_btn_group_elementor_c0daab2 a\n{\n  display:block;\n  text-decoration:none;\n  transition:0.3s;\n\n}\n\n#uc_blox_btn_group_elementor_c0daab2 .blox_btn_group_inner\n{\n  display:inline-flex;\n  align-items:center;\n}\n\n#uc_blox_btn_group_elementor_c0daab2 .blox_btn_group_inner .ue-btn-icon\n{\n  line-height:1em;\n}\n\n#uc_blox_btn_group_elementor_c0daab2 .blox_btn_group_inner .ue-btn-icon svg\n{\n  height:1em;\n  width:1em;\n}\n\n<\/style>\n\n<div id=\"uc_blox_btn_group_elementor_c0daab2\" class=\"blox_btn_group uc-items-wrapper \" >\n  <a class=\"elementor-repeater-item-94f29af \" href=\"https:\/\/ncfearthashiksha.in\/\" id=\"uc_blox_btn_group_elementor_c0daab2_item1\"  target='_blank'>\n  <div class=\"blox_btn_group_inner\">\n        <div class=\"ue-btn-icon\"><img src='https:\/\/ncfe.org.in\/hi\/wp-content\/uploads\/2023\/12\/lab_profile.svg' class='uc-svg-image'><\/div>\n        <div class=\"ue-btn-txt\">Money & Transactions<\/div>\n  <\/div>\n<\/a>\n<a class=\"elementor-repeater-item-47c4682 \" href=\"https:\/\/ncfearthashiksha.in\/\" id=\"uc_blox_btn_group_elementor_c0daab2_item2\"  target='_blank'>\n  <div class=\"blox_btn_group_inner\">\n        <div class=\"ue-btn-icon\"><img src='https:\/\/ncfe.org.in\/hi\/wp-content\/uploads\/2023\/12\/ico_planning.svg' class='uc-svg-image'><\/div>\n        <div class=\"ue-btn-txt\">Planning & Managing Finances<\/div>\n  <\/div>\n<\/a>\n<a class=\"elementor-repeater-item-9bfee40 \" href=\"https:\/\/ncfearthashiksha.in\/\" id=\"uc_blox_btn_group_elementor_c0daab2_item3\"  target='_blank'>\n  <div class=\"blox_btn_group_inner\">\n        <div class=\"ue-btn-icon\"><img src='https:\/\/ncfe.org.in\/hi\/wp-content\/uploads\/2023\/12\/ico_rewards.svg' class='uc-svg-image'><\/div>\n        <div class=\"ue-btn-txt\">Risk & Reward<\/div>\n  <\/div>\n<\/a>\n<a class=\"elementor-repeater-item-1d5a838 \" href=\"https:\/\/ncfearthashiksha.in\/\" id=\"uc_blox_btn_group_elementor_c0daab2_item4\"  target='_blank'>\n  <div class=\"blox_btn_group_inner\">\n        <div class=\"ue-btn-icon\"><img src='https:\/\/ncfe.org.in\/hi\/wp-content\/uploads\/2023\/12\/ico_fin_landscape.svg' class='uc-svg-image'><\/div>\n        <div class=\"ue-btn-txt\">Financial Landscape<\/div>\n  <\/div>\n<\/a>\n<a class=\"elementor-repeater-item-1593b92 \" href=\"https:\/\/ncfearthashiksha.in\/\" id=\"uc_blox_btn_group_elementor_c0daab2_item5\"  target='_blank'>\n  <div class=\"blox_btn_group_inner\">\n        <div class=\"ue-btn-icon\"><img src='https:\/\/ncfe.org.in\/hi\/wp-content\/uploads\/2023\/12\/ico_insurance.svg' class='uc-svg-image'><\/div>\n        <div class=\"ue-btn-txt\">Insurance<\/div>\n  <\/div>\n<\/a>\n\n  \n\n\n<\/div>\n<!-- end Button Group -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0c87-\u0cb2\u0cb0\u0ccd\u0ca8\u0cbf\u0c82\u0c97\u0ccd \u0cae\u0ccd\u0caf\u0cbe\u0ca8\u0cc7\u0c9c\u0ccd\u0cae\u0cc6\u0c82\u0c9f\u0ccd \u0cb8\u0cbf\u0cb8\u0ccd\u0c9f\u0cae\u0ccd \u0c8e\u0ca8\u0ccd.\u0cb8\u0cbf.\u0c8e\u0cab\u0ccd.\u0c87 \u0cac\u0ccd\u0caf\u0cbe\u0c82\u0c95\u0cbf\u0c82\u0c97\u0ccd, \u0cb8\u0cc6\u0c95\u0ccd\u0caf\u0cc1\u0cb0\u0cbf\u0c9f\u0cc0\u0cb8\u0ccd \u0cae\u0cbe\u0cb0\u0ccd\u0c95\u0cc6\u0c9f\u0ccd\u200c\u0c97\u0cb3\u0cc1, \u0cb5\u0cbf\u0cae\u0cc6 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0caa\u0cbf\u0c82\u0c9a\u0ca3\u0cbf \u0c89\u0ca4\u0ccd\u0caa\u0ca8\u0ccd\u0ca8\u0c97\u0cb3\u0cbf\u0c82\u0ca6 \u0cb5\u0cbf\u0cb7\u0caf\u0c97\u0cb3\u0ca8\u0ccd\u0ca8\u0cc1 \u0c92\u0cb3\u0c97\u0cca\u0c82\u0ca1 \u0cae\u0cc2\u0cb2\u0cad\u0cc2\u0ca4 \u0cb9\u0ca3\u0c95\u0cbe\u0cb8\u0cc1 \u0cb6\u0cbf\u0c95\u0ccd\u0cb7\u0ca3\u0ca6 \u0c95\u0cc1\u0cb0\u0cbf\u0ca4\u0cc1 \u0c87-\u0cb2\u0cb0\u0ccd\u0ca8\u0cbf\u0c82\u0c97\u0ccd \u0c95\u0ccb\u0cb0\u0ccd\u0cb8\u0ccd \u0c85\u0ca8\u0ccd\u0ca8\u0cc1 \u0caa\u0ccd\u0cb0\u0cbe\u0cb0\u0c82\u0cad\u0cbf\u0cb8\u0cbf\u0ca6\u0cc6. \u0cb5\u0cbf\u0cb7\u0caf\u0c97\u0cb3\u0cc1 \u0cb9\u0ca3 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0cb5\u0cb9\u0cbf\u0cb5\u0cbe\u0c9f\u0cc1\u0c97\u0cb3\u0cc1, \u0cb9\u0ca3\u0c95\u0cbe\u0cb8\u0cc1 \u0ca6\u0cbe\u0c96\u0cb2\u0cc6\u0c97\u0cb3\u0cc1 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0c92\u0caa\u0ccd\u0caa\u0c82\u0ca6\u0c97\u0cb3\u0cc1, \u0c86\u0ca6\u0cbe\u0caf \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0cb5\u0cc6\u0c9a\u0ccd\u0c9a\u0c97\u0cb3 \u0ca8\u0cbf\u0cb0\u0ccd\u0cb5\u0cb9\u0ca3\u0cc6, \u0ca6\u0cc0\u0cb0\u0ccd\u0c98\u0cbe\u0cb5\u0ca7\u0cbf\u0caf \u0caf\u0ccb\u0c9c\u0ca8\u0cc6, \u0cb9\u0ca3\u0c95\u0cbe\u0cb8\u0cc1 \u0cb8\u0cc1\u0cb0\u0c95\u0ccd\u0cb7\u0ca4\u0cbe \u0c9c\u0cbe\u0cb2\u0c97\u0cb3\u0cc1 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0cb5\u0cbf\u0cae\u0cc6, \u0cb9\u0c97\u0cb0\u0ca3\u0c97\u0cb3\u0cc1 \u0cae\u0ca4\u0ccd\u0ca4\u0cc1 \u0cb5\u0c82\u0c9a\u0ca8\u0cc6\u0c97\u0cb3\u0cc1 \u0cae\u0cc1\u0c82\u0ca4\u0cbe\u0ca6 20 \u0cae\u0cbe\u0ca1\u0ccd\u0caf\u0cc2\u0cb2\u0ccd\u200c\u0c97\u0cb3\u0cbe\u0c97\u0cbf \u0cae\u0ca4\u0ccd\u0ca4\u0cb7\u0ccd\u0c9f\u0cc1 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