If I were to prepare a code of ethics for civil servants, I would prioritize the following five fundamental values:

1. Integrity: Civil servants must act with honesty and uphold the highest ethical standards. Integrity fosters public trust and ensures that decisions are made transparently, free from corruption or deceit.
2. Impartiality: Civil servants should treat all individuals fairly and without bias, ensuring that decisions are based on merit rather than personal preferences or external influences. This value is crucial for maintaining public confidence in government actions.
3. Accountability: Civil servants must be answerable for their actions and decisions. This includes being transparent about their work and the outcomes of their decisions, allowing for public scrutiny and the ability to correct mistakes when necessary.
4. Respect: Civil servants should treat all individuals with dignity and respect, recognizing the diversity of the community they serve. This includes listening to different viewpoints and valuing the contributions of others, fostering an inclusive environment.
5. Public Service Orientation: The primary duty of civil servants is to serve the public interest. This means prioritizing the needs and welfare of citizens above personal gain and consistently striving to improve the quality of services provided to the community.

By embedding these values into a code of ethics, civil servants can better serve society and enhance the effectiveness and credibility of public administration.

यदि मुझे लोक सेवकों हेतु ‘नैतिक आचार संहिता’ निर्मित करनी हो, तो मैं निम्नलिखित पाँच आधारभूत मूल्यों को प्राथमिकता दूंगा:

1. ईमानदारी: लोक सेवकों को हमेशा सत्य और पारदर्शिता के साथ कार्य करना चाहिए। ईमानदारी से वे न केवल अपने कार्य में विश्वसनीयता बनाए रखते हैं, बल्कि जनता के विश्वास को भी मजबूत करते हैं।
2. निष्पक्षता: सभी नागरिकों के प्रति समान व्यवहार करना आवश्यक है। यह सुनिश्चित करता है कि किसी भी प्रकार की पक्षपात या भेदभाव न हो और सभी को समान अवसर मिले।
3. जवाबदेही: लोक सेवकों को अपने कार्यों के लिए जवाबदेह होना चाहिए। वे अपने निर्णयों और कार्यों का सही-सही विवरण प्रस्तुत कर सकें और आवश्यकतानुसार सुधारात्मक कदम उठाने के लिए तैयार रहें।
4. सम्मान: सभी नागरिकों और सहकर्मियों का सम्मान करना आवश्यक है। यह एक सकारात्मक कार्य वातावरण को प्रोत्साहित करता है और टीम कार्य को बढ़ावा देता है।
5. सर्वोत्तम सेवा: लोक सेवकों को हमेशा नागरिकों की भलाई और सेवा को प्राथमिकता देनी चाहिए। उनका मुख्य उद्देश्य समाज के उत्थान के लिए कार्य करना होना चाहिए, न कि व्यक्तिगत लाभ के लिए।

इन मूल्यों का पालन करके लोक सेवक न केवल अपनी नैतिकता को मजबूत करेंगे, बल्कि समाज में विश्वास और सुरक्षा की भावना को भी बढ़ाएंगे।

Let the principal amount lent be $PP$P. The annual compound interest rate is 124%, which can be expressed as a multiplier of $1+1.24=2.241\; +\; 1.24\; =\; 2.24$1+1.24=2.24.

The person receives three equal installments of ₹91,854. The timing of the installments is as follows:

1. First installment (at time 0): ₹91,854
2. Second installment (after 1 year): ₹91,854
3. Third installment (after 2 years): ₹91,854

Calculation of Future Value for Each Installment

1. First Installment: Since it is paid immediately, it does not earn any interest.

   $Future Value=91,854\backslash text\{Future\; Value\}\; =\; 91,854$Future Value=91,854

2. Second Installment: This installment is paid after 1 year, so it will earn interest for 1 year.

   $Future Value=91,854\times 2.24=205,181.76\backslash text\{Future\; Value\}\; =\; 91,854\; \backslash times\; 2.24\; =\; 205,181.76$Future Value=91,854×2.24=205,181.76

3. Third Installment: This installment is paid after 2 years, so it will earn interest for 2 years.

   $Future Value=91,854\times (2.24{)}^2=91,854\times 5.0176\approx 460,354.57\backslash text\{Future\; Value\}\; =\; 91,854\; \backslash times\; (2.24)^2\; =\; 91,854\; \backslash times\; 5.0176\; \backslash approx\; 460,354.57$Future Value=91,854×(2.24)2=91,854×5.0176≈460,354.57

Total Amount Received

Now, we sum the future values of all installments:

$Total Amount Received=91,854+205,181.76+460,354.57\approx 757,390.33\backslash text\{Total\; Amount\; Received\}\; =\; 91,854\; +\; 205,181.76\; +\; 460,354.57\; \backslash approx\; 757,390.33$Total Amount Received=91,854+205,181.76+460,354.57≈757,390.33

Calculation of Principal Amount

The total amount received can be equated to the amount owed after 2 years. The formula is:

$P\times (2.24{)}^2=757,390.33P\; \backslash times\; (2.24)^2\; =\; 757,390.33$P×(2.24)2=757,390.33

Calculating $PP$P:

$P\times 5.0176=757,390.33\hspace{0.25em} ⟹\hspace{0.25em} P=\frac{757,390.33}{5.0176}\approx 150,000P\; \backslash times\; 5.0176\; =\; 757,390.33\; \backslash implies\; P\; =\; \backslash frac\{757,390.33\}\{5.0176\}\; \backslash approx\; 150,000$P×5.0176=757,390.33⟹P=5.0176757,390.33​≈150,000

Total Interest Earned

The total interest earned by the person is:

$Interest=Total Amount Received-Principal=757,390.33-150,000\approx 607,390.33\backslash text\{Interest\}\; =\; \backslash text\{Total\; Amount\; Received\}\; –\; \backslash text\{Principal\}\; =\; 757,390.33\; –\; 150,000\; \backslash approx\; 607,390.33$Interest=Total Amount Received−Principal=757,390.33−150,000≈607,390.33

Thus, the amount of interest earned by him is approximately ₹607,390.33.