Dogri to English:
असल च, जेकर भविक्ख च नवेश थमां ब्याज आमदनी च गिरावट औंदी ऐ तां एह्‌‌ योजना नेहे अप्रत्याशत नवेशें दा इक विकल्प प्रदान करदी ऐ।
So, if there is a future fall in the interest income from investment then this scheme provides an alternative from such unpredictable investments.