Cfly (S Jif (@) &. SF) DF) LB - S GLLT: G) KFN /fi6 A) +S

cfly{s jif{ @)^&.
^*
sf]
df}lb|s gLlt
g]kfn /fi6« a}+s

s]Gb|Lo sfof{no
afn'jf6f/, sf7df8f}+
@)^&
ueg{/ 8f= o'j/fh vltj8fn]
@)^& ;fpg !@ ut]
;fj{hlgs hfgsf/Lsf nflu hf/L ug'{ePsf]
cfly{s jif{ @)^&.^*

sf]
df}lb|s gLlt
g]kfn /fi6« a}+s

s]Gb|Lo sfof{no
ljifo ;"rL
ljj/0f k[i7
k[i7e"ld !
cGt/f{li6«o cfly{s kl/b[io @
cfGtl/s cfly{s l:ylt #
ufx{:Yo pTkfbg #
d"No %
;/sf/L ljQ ^
afXo If]q ^
ljQLo ahf/ *
df}lb|s tyf ljQLo Joj:yfkg !!
cfly{s jif{ @)^^.^& sf] df}lb|s gLlt tyf ljQLo If]q sfo{qmd !$
df}lb|s gLltsf] sfo{lbzf !$
cfly{s tyf df}lb|s nIo !^
df}lb|s gLlt ;~rfng tyf pks/0f !*
ljQLo If]q ;'wf/, lgodg tyf ;'kl/j]If0f @)
ljb]zL ljlgdo Joj:yfkg @$
n3'ljQ tyf ljQLo kx'Fr @^
cGTodf @*
cg';"rL ! M cfly{s jif{ @)^^.^& sf] df}lb|s gLltdf pNn]v ePsf gLltut
Joj:yfx¿sf] k|ult tflnsf ljj/0f #)
cg';"rL @ M df}lb|s ;e]{If0fsf] k|If]k0f $)
cg';"rL # M kl/jTo{ ljb]zL d'b|f e'QmfgL u/L ef/taf6 cfoft ug{ kfOg]
j:t'x¿sf] ;"rL $!
tflnsf ;"rL
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
g]kfn
kmf]g g+= $$!!^#*

Website: www.nrb.org.np
df}lb|s gLlt @)^&÷^*
cfly{s jif{ @)^&÷^* sf] df}lb|s gLlt
k[i7e"ld
1. g]kfn /fi6« a}+s P]g, @)%* n] lglb{i6 u/] jdf]lhd d"No l:y/tf / jfXo tyf ljQLo
If]q :yfloTj sfod ub}{ pRr tyf lbuf] cfly{s j[l4sf] nflu ;xh jftfj/0f lgdf{0f
ug]{ d"ne"t p2]Zo ;lxt o; a}+sn] cfly{s jif{ @)%(.^) b]lv jflif{s ?kdf df}lb|s
gLlt th'{df u/L ;fj{hlgs ub}{ cfPsf] 5 . o; qmddf cfly{s jif{ @)^^.^& sf] df}lb|s
gLlt @)^^ ;fpg ( ut] / To;sf] dWofjlw ;dLIff @)^^ r}t @) ut] ;fj{hlgs
ul/Psf] lyof] .
2. cfly{s jif{ @)^^.^& df df}lb|s Joj:yfkg r'gf}tLk"0f{ /Xof] . lgof{tdf x|f; / cfoftdf
pRr j[l¢ x'g uO{ d'n'ssf] e'QmfgL ;Gt'ng 3f6fdf /Xof]] eg] vfBfGgsf] d"Nodf pRr
j[l4 sfod} /xFbf d'b|f:kmLltb/ bf]xf]/f] cÍd} /xg uof] . zf]wgfGt/ 3f6f pRr /xg uO{
ljb]zL d'b|f ;l~rltdf x|f; tyf lgIf]ksf] j[l4df lzlyntf cfPsf]n] a}lsË If]qsf]
t/ntfdf ;+s'rg cfof] . ;fy}, 3/hUuf sf/f]jf/tkm{ a}+s shf{ clws ?kdf a9\g hfFbf
cy{tGqsf cGo pTkfbgzLn If]qtkm{ shf{ k|jfx ug{ ;fwgsf] cefj x'g] cj:yf ;[hgf
x'g uof] . cy{tGqdf ljsl;t x'Fb} u/]sf oL c;xh l:yltsf] ;fdgf ug{ cfly{s jif{
@)^^÷^& sf] dWolt/ tyf To;kl5 df}lb|s gLltsf] cw{jflif{s ;dLIffdfk{mt df}lb|s
tyf shf{ Joj:yfkg / ljb]zL ljlgdosf If]qdf cfjZos sbdx¿ rflnof] .
kmn:j?k, d'n'ssf] ljQLo k|0ffnLsf] t/ntf tyf zf]wgfGt/ l:yltdf qmlds ;'wf/ eO{
;dli6ut cfly{s :yfloTj xfl;n xF'b} cfPsf] 5 .
3. Psflt/ Go"g cfly{s j[l4b/ / csf{lt/ b'O{ c+ssf] d"No j[l4b/, pRr zf]wgfGt/ 3f6f
tyf cl3Nnf jif{x¿sf] clws df}lb|s lj:tf/ / kl5Nnf] ;dodf rflnPsf sbdx¿af6
x'g ;Sg] df}lb|s ;+s'rgsf] kl/b[iodf ;Gt'lnt df}lb|s gLlt th'{df ug'{ lgs} r'gf}tLk"0f{
sfo{ ePsf] 5 . ljQLo k|0ffnLsf] :yfloTj, shf{sf] pTkfbs pkof]u, ljQLo kx'Fr
clej[l4 / lgIf]ksf] ;'/If0f h:tf ;jfnx¿ klg s]Gb|Lo a}+sn] ;Daf]wg ug'{ kg]{
ckl/xfo{ ljifox¿ x'g\ . g]kfn /fi6« a}+ssf] cfufdL gLlt tyf sfo{qmdx¿ o;}tkm{
pGd'v x'g' kg]{ tYo lglj{jfb 5 .
4. cl3Nnf] cfly{s jif{sf] d'n'ssf] cfly{s tyf ljQLo l:ylt / df}lb|s gLltsf]
sfof{Gjogsf] ;dLIff ;lxt cfGtl/s tyf jfXo cfly{s kl/b[iosf] ljZn]if0fsf] cfwf/df
ca cjnDag ul/g] df}lb|s gLltsf] sfo{lbzf tyf ;f]sf] Joj:yfkg ;DaGwL sfo{qmd
;dfj]z u/L cfly{s jif{ @)^&.^* sf] of] df}lb|s gLlt ;fj{hlgs hfgsf/Lsf] nflu
k|:t't ul/Psf] 5 . o; a}+ssf] sfd sf/jfxLnfO{ kf/bzL{ agfpg] p2]Zon] cfly{s jif{
@)^&.^* df sfof{Gjogdf NofOg] ljQLo If]q ;'wf/, lgodg tyf ;'kl/j]If0f, ljb]zL
ljlgdo / n3'ljQ ;DaGwL sfo{qmdx¿nfO{ klg df}lb|s gLltsf] o; b:tfj]hdf ;+nUg
ul/Psf] 5 .
5. of] df}lb|s gLlt tof/ ubf{ ;/f]sf/jfnf g]kfn a}+s;{ ;+3, 8]enkd]06 a}+s;{
Pzf]l;P;g, g]kfn ljQLo ;+:yf ;+3, g]kfn n3'ljQ a}+s;{ ;+3, pBf]u jfl0fHo ;+3x¿,
1
C0f pkef]Qmf ;+3x¿ / pBf]uL–Joj;foLx¿;+u ePsf cGt/lqmofx¿af6 cfPsf

;'emfjnfO{ oyf;So ;dfj]z ul/Psf] 5 . df}lb|s gLlt Ps ultzLn ljifo ePsf]
;Gb{edf cfly{s kl/;"rsx¿ tyf cfly{s kl/b[Zodf b]lvg] kl/jt{g;Fu} k|:tfljt gLlt
tyf sfo{qmdx¿ klg ;dfof]hg ub}{ nlug]5 .
cGt/f{li6«o cfly{s kl/b[io
6. ljZj cy{tGq cfly{s dGbLsf] r/0faf6 k'g?Tyfgtkm{ cu|;/ 5 . s]Gb|Lo a}+s, ;/sf/ /
ljZj ljQLo ;+u7gx¿sf] ;dGjofTds k|of;af6 pkef]Qmf / nufgLstf{x?df
cfTdljZjf; ;'b[9 aGb} uPsf] / o;af6 cfGtl/s tyf jfXo dfudf j[l4 xF'b} cfPsf]
5 . cGt/f{li6«o d'b|f sf]ifsf] kl5Nnf] ljZn]if0f cg';f/ ;g\ @))( df )=^ k|ltztn]
;+s'lrt ePsf] ljZj cy{tGq ;g\ @)!) df $=^ k|ltztn] / ;g\ @)!! df $=#
k|ltztn] lj:tf/ x'g] k|If]k0f 5 . ljZjsf] ;j}eGbf 7"nf] cd]l/sL cy{tGq ;g\ @))( df
sl/a @=$ k|ltztn] ;+s'lrt ePsf]df ;g\ @)!) df #=# k|ltztn] / ;g\ @)!! df
@=( k|ltztn] lj:tf/ x'g] k|If]k0f /x]sf] 5 . To;}u/L, ;du| o'/f] If]qsf] pTkfbg ;g\
@))( df $=! k|ltztn] ;+s'lrt ePsf]df ;g\ @)!) df ! k|ltztn] / ;g\ @)!! df
!=# k|ltztn] a9\g] k|If]k0f ul/Psf] 5 . pbLodfg tyf ljsf;zLn d'n'sx?sf] cfly{s
j[[l4b/ ;g\ @))( df @=% k|ltzt /x]sf]df ;g\ @)!) df ^=* k|ltzt / ;g\ @)!! df
^=$ k|ltzt /xg] k|If]k0f ul/Psf] 5 .
7. g]kfnsf l5d]sL d'n'sx¿dWo] ef/tLo cy{tGq ;g\ @))( df %=& k|ltztn] j[l4
ePsf]df ;g\ @)!) df (=$ k|ltztn] lj:tf/ x'g] cg'dfg 5 eg] ;g\ @)!! df *=$
k|ltztn] lj:tf/ x'g] k|If]k0f ul/Psf] 5 . To;}u/L, ;g\ @))( df rLgsf] pTkfbg (=!
k|ltztn] a9]sf]df ;g\ @)!) df !)=% k|ltztn] a9\g] cg'dfg 5 . ;g\ @)!! df
rLgsf] cfly{s j[l4b/ (=^ k|ltzt /xg] k|If]k0f 5 . cfGtl/s dfu tyf lgof{tsf]
If]qdf ;'wf/ cfPsf]n] oL d'n'sx¿sf] cfly{s j[l4b/ a9\g] cg'dfg /x]sf] xf] .
8. ljsl;t tyf pbLodfg b]zx¿sf] cfly{s j[l4b/df cfPsf] ;'wf/n] ljZj cy{tGqnfO{
k'g?Tyfg r/0fdf cu|;/ u/fpg cxd\ e"ldsf lgjf{x u/]sf] ePklg ljsl;t
d'n'sx¿df a]/f]huf/L b/ / ;/sf/L ljQ 3f6f pRr :t/df /x]sf]n] cfly{s k'g?Tyfgsf]
k|lqmofdf r'gf}tL tyf hf]lvdx¿ sfod} /x]sf] b]lvG5 . sltko o'/f]kLog d'n'sx¿df
pRr ;/sf/L ljQ 3f6fsf] sf/0faf6 xfn} ;[lht C0f ;+s6n] o'/f] If]q dfq geP/
ljZj cfly{s k'g?Tyfgsf] k|lqmofd} yk cfzÍf pTkGg u/]sf] 5 .
9. ljZjJofkL cfly{s ;+s6 ulxl/+b} hfFbf ljZjsf clwsf+z b]zx¿df Go"g :t/df k'u]sf]
d'b|f:kmLltb/ cfly{s k'g?Tyfgsf] qmd;Fu} a9\g] qmddf /x]sf] 5 . ;g\ @))( df
ljsl;t d'n'sx?df pkef]Qmf d'b|f:kmLltb/ )=! k|ltzt /x]sf]df ;g\ @)!) df !=$
k|ltzt / ;g\ @)!! df !=# k|ltzt /xg] k|If]k0f ul/Psf] 5 . To:t}, pbLodfg tyf
ljsf;f]Gd'v d'n'sx¿df ;g\ @))( df d'b|f:kmLltb/ %=@ k|ltzt /x]sf]df ;g\ @)!)
df ^=# k|ltzt k'Ug] cg'dfg 5 eg] ;g\ @)!! df % k|ltzt /xg] k|If]k0f ul/Psf] 5 .
cfly{s k'g?Tyfgsf] qmddf ckgfOPsf] nlrnf] df}lb|s tyf ljQ gLltsf] k|efj /
OGwgsf] d"Nodf j[l4 x'Fb} cfPsfn] ;g\ @)!) df d'b|f:kmLltb/ a9\g] cg'dfg /x]sf] xf] .
l5d]sL d'n's ef/tdf ;g\ @))( sf] h'g dlxgfdf yf]s d"No ;"rsfÍdf cfwfl/t d"No
2
j[l4 ! k|ltztn] C0ffTds /x]sf]df ;g\ @)!) sf] ;f]xL dlxgfdf !)=^ k|ltzt /x]sf]
5 eg] vfBfGg ;d"xsf] d"No j[l4b/ !$=^ k|ltzt /x]sf] 5 .
10. ljZj ljQLo ;+s6sf] ;fdgf ug{ ;/sf/L ljQ tyf df}lb|s gLltsf] ;+of]hgsf/L
e"ldsfnfO{ b[li6ut u/L ljZje/ g} s]Gb|Lo a}+sx?n] gLltut b/x?df Jofks s6f}tL
u/]sf lyP . ljZj cy{tGq dGbLsf] cj:yfaf6 ;'wf/f]Gd'v lbzfdf cu|;/ ePsf] ePklg
hf]lvd tyf r'gf}tLx¿ ljBdfg /x]sf]n] clwsf+z d'n'sx¿ ;'/lIft alx{udg /0fgLlt
to ug{df s]lGb|t 5g\ . cd]l/sL k]m8/n l/he{n] nfdf] ;dob]lv nlIft km08;\ /]6 z'Go
b]lv )=@% k|ltzt sfod u/]sf]] 5 . pkef]u tyf nufgL k|f]T;flxt ug{ ef/t / rLgsf
s]Gb|Lo a}+sx¿n] klg gLltut b/x¿df s6f}tL u/]sf lyP . ef/tLo l/he{ a}+sn] l/kf]
b/ ( k|ltztaf6 36fP/ $=&% k|ltztdf / clgjfo{ gub df}Hbft b/ ( k|ltztaf6
36fP/ % k|ltzt sfod u/]sf]df a9\bf] d'b|f:kmLltsf] cj:yfnfO{ ;Daf]wg ug{ df}lb|s
gLltsf] sl;nf] c8fgsf] z'?jfttkm{ ;+s]t ub}{ xfn clgjfo{ gub df}Hbft b/ ^
k|ltzt / l/kf] b/ %=% k|ltzt sfod u/]sf] 5 . rLgsf] s]Gb|Lo a}+sn] klg xfn;fn}
clgjfo{ gub df}Hbft cg'kftnfO{ %) cfwf/ ljGb'n] a9fP/ df}lb|s gLltsf] sfo{lbzf
s]xL sl;nf] x'g]tkm{ ;+s]t u/]sf] 5 .
cfGtl/s cfly{s l:ylt
ufx{:Yo pTkfbg
11. cfly{s jif{ @)^^.^& sf] ah]6 jQmJodf %=% k|ltztsf] cfly{s j[l4 xfl;n ug]{ nIo
/flvPsf] lyof] . g]kfn ;/sf/, s]Gb|Lo tYofÍ ljefusf cg';f/ cfly{s jif{ @)^^.^&
df s'n ufx{:Yo pTkfbgsf] j[l4b/ cfwf/e"t d"Nodf #=% k|ltzt / pTkfbssf] d"Nodf
$=^ k|ltzt /x]sf] k|f/lDes cg'dfg ul/Psf] 5 . cfly{s jif{ @)^%.^^ df s'n ufx{:Yo
pTkfbgsf] j[l4b/ cfwf/e"t Pjd\ pTkfbssf] d"Nodf qmdzM $ k|ltzt tyf $=(
k|ltzt /x]sf] lyof] .
12. cfly{s jif{ @)^^÷^& df df};d cg's"n /xL s[lif If]qsf] pTkfbg a9\g], nufgLsf]
jftfj/0fdf ;'wf/ eO{ pBf]u Joj;fo, ko{6g tyf ;]jf If]qx¿df lj:tf/ cfpg] /
;/sf/sf] k"FhLut vr{df ;'wf/ eO{ cfly{s j[l4df ;sf/fTds of]ubfg k'Ug] ck]Iff
ul/Psf] lyof] . t/, k|lts"n df};dsf sf/0fn] vfBfGg afnLsf] pTkfbgdf pRr lu/fj6
cfO{ s[lif If]qsf] pTkfbg j[l4b/ Go"g /x]sf]n] ;du| cfly{s j[l4b/ ck]Iff ul/P eGbf
Go"g /x]sf] xf] . aGb–x8tfn, sdhf]/ >d ;DaGw, ljB't cfk"lt{df sdL h:tf k|d'v
sf/0fx¿n] ubf{ klg nlIft cfly{s j[l4 xfl;n x'g sl7g ePsf] xf] .
13. s[lif If]qsf] pTkfbg w]/} xb;Dd dg;'gsf] cj:yfdf lge{/ /xg] u/]sf]df cfly{s jif{
@)^^÷^& df jif]{ dg;'g l9nf u/L z'? ePsf], jiff{sf] dfqf klg cf};t eGbf lgs} sd
/x]sf] tyf sltko lhNnfx¿df gbL s6fg / af9Ljf6 ;d]t afnLgfnLdf IftL k''u]sf]
sf/0f k|d'v vfBfGg afnLsf] pTkfbgdf k|lts"n k|efj kg{ uO{ ;du| s[lif If]qsf]
pTkfbg !=! k|ltztn] dfq a9]sf] k|f/lDes cg'dfg 5 . g]kfn ;/sf/, s[lif tyf
;xsf/L dGqfnon] @)^& a}zfv dlxgfdf ;fj{hlgs u/]sf] s[lif pTkfbgsf] k|f/lDes
cg'dfg cg';f/ cfly{s jif{ @)^^÷^& df wfgsf] pTkfbg cl3Nnf] jif{ eGbf !!=!
k|ltztn] / ds}sf] pTkfbgdf #=( k|ltztn] sdL cfpg] b]lvPsf] 5 . jif]{ dg;'g
3
sdhf]/ /x]tfklg lxpFb] jiff{ ;Gtf]ifk|b /x]sf]n] uxF' tyf hf}sf] pTkfbgdf qmdzM !%=*
k|ltzt / !*=* k|ltztn] j[l4 ePsf] / t/sf/L tyf kmnk"mnsf] pTkfbgdf klg j[l4
x'g] k|f/lDes cg'dfg 5 .
14. cfly{s jif{ @)^^.^& df pBf]u If]qsf] pTkfbg #=( k|ltztn] j[l4 ePsf] cg'dfg 5 .
pBf]u cGt{ut pTkfbgd"ns pBf]u, lgdf{0f, vfgL tyf pTvgg / ljB't, Uof; tyf
kfgL pkIf]qx¿sf] pTkfbg qmdzM @=^ k|ltzt, ^=^ k|ltzt, $=@ k|ltzt / )=%
k|ltztn] a9]sf] k|f/lDes cg'dfg /x]sf] 5 . ljB't pkIf]qsf] pTkfbg dfu adf]lhd
j[l4 x'g g;Sbf dfu / hl8t IfdtfaLr cGt/ a9\b} uPsfn] cf}Bf]lus tyf ;]jf
If]qsf] pTkfbsTj nufot ;du| cfly{s tyf b}lgs lqmofsnfkdf uDeL/ k|lts"n k|efj
kl//x]sf] 5 .
15. pBf]utkm{ /f]huf/L tyf cfo cfh{gsf cfwf/df ;a}eGbf a9L of]ubfg /x]sf]
pTkfbgd"ns pBf]usf] pTkfbg cl3Nnf] jif{sf] t'ngfdf s]xL j[l4 ePklg ;Gtf]ifk|b eg]
/x]sf] 5}g . cfly{s jif{ @)^^.^& sf] t];|f] qodf;sf] k|f/lDes cf}Bf]lus pTkfbg
;"rsfÍ cg';f/ pQm cjlwdf cf}Bf]lus pTkfbg #=& k|ltztn] a9]sf] 5 . cf}Bf]lus
pTkfbg ;d"x cGtu{t tf]/Lsf] t]n, b'Uw pTkfbg, cf}iflw, ;fj'g, Knfli6s, PNd'lgodsf
;fdfu|L, O§f, l;d]G6, kmnfdsf] 58\ tyf kftf, lh=cfO{ kfOk / ljB'tLo tf/ h:tf
j:t'x¿sf] pTkfbgdf j[l4 ePsf] 5 eg] ag:klt £o", lrgL, tof/L kf]zfs / kmlg{r/sf]
pTkfbgdf lu/fj6 cfPsf] 5 .
16. cl3Nnf] jif{sf] t'ngfdf ;]jf If]qsf] j[l4b/ s]xL Go"g /xg] cg'dfg ePtfklg cGo
If]qx¿sf] j[l4b/sf] t'ngfdf eg] pRr /x]sf] b]lvPsf] 5 . cl3Nnf] jif{sf] ^=#
k|ltztsf] t'ngfdf cfly{s jif{ @)^^.^& df o; If]qsf] j[l4 %=% k|ltzt /x]sf] cg'dfg
5 . ;]jf If]q cGt{ut xf]6n tyf /]i6'/]06, oftfoft tyf ;~rf/, lzIff, yf]s tyf v'b|f
Jofkf/, :jf:Yo tyf ;fdflhs sfo{ / cGo ;fd'bflos ;]jf pk–If]qx¿sf] j[l4b/
qmdzM *=% k|ltzt, ^=% k|ltzt, ^=% k|ltzt, %=^ k|ltzt, %=^ k|ltzt / ^=!
k|ltzt /x]sf] cg'dfg 5 .
17. cfly{s jif{ @)^%.^^ df xjfO{dfu{af6 g]kfn e|d0fdf cfpg] ko{6s ;+Vof )=(
k|ltztn] sdL cfPsf]df cfly{s jif{ @)^^.^& sf] P3f/ dlxgf;Dddf !@=# k|ltztn]
j[l4 ePsf] 5 . ;g\ @)!) sf] hgj/Lb]lv h'g dlxgf;Dd xjfO{dfu{af6 g]kfn e|d0fdf
cfpg] ko{6s ;+Vof cl3Nnf] jif{sf] ;f]xL cjlwsf] t'ngfdf !*=! k|ltztn] j[l4 ePsf]
5 . o; cjlwdf ef/tLo ko{6s cfudg !!=# k|ltztn] a9]sf] 5 eg] cGo d'n'saf6
cfpg] ko{6sx¿sf] ;+Vof @)=^ k|ltztn] a9]sf] 5 . ljZj cfly{s dGbLdf ;'wf/ tyf
g]kfndf xjfO{ p8fg eg]{ jfXo sDkgLx¿sf] ;+Vofsf ;fy} p8fg cfj[lQdf ;d]t j[l4
ePsf]n] ko{6s cfudg j[l4df ;xof]u k'u]sf] xf] . ko{6s cfudgdf ePsf] j[l4af6
xf]6n tyf /]i6'/]06 ;]jfsf] j[l4b/ pRr /xg hfg] b]lvPsf] 5 .
18. d'n'ssf] cfly{s lqmofsnfknfO{ dfu kIfaf6 ljZn]if0f ubf{ cfly{s jif{ @)^^.^& df
v'b jfXo dfudf ;+s'rg cfPsf]n] s'n ufx{:Yo pTkfbgsf] j[l4df cfGtl/s dfusf]
of]ubfg k|d'v /x]sf] b]lvPsf] 5 . cfGtl/s dfu cGtu{t s'n pkef]u -@)%&.%* sf]
d"Nodf_ *=$ k|ltztn] j[l4 eO{ s'n ufx{:Yo pTkfbgsf] (!=% k|ltzt k'u]sf] cg'dfg
4
5 . s'n pkef]u dWo] lghL If]qsf] pkef]u &=* k|ltztn] / ;/sf/L If]qsf] pkef]u
!#=! k|ltztn] j[l4 ePsf] cg'dfg 5 . lghL pkef]udf vfB eGbf u}/–vfB tyf
;]jftkm{sf] j[l4b/ pRr /x]sf] 5 . cfGtl/s dfusf] csf]{ dxTjk"0f{ c+z s'n l:y/ k"FhL
lgdf{0f %=# k|ltztn] j[l4 eO{ s'n ufx{:Yo pTkfbgsf] !*=^ k|ltztdf ;Lldt ePsf]
cg'dfg 5 . ;/sf/L If]qsf] t'ngfdf lghL If]qsf] nufgL sdhf]/ /x]sf]n] lghL If]qsf]
nufgL;Fu s'n ufx{:Yo pTkfbgsf] cg'kft !$=^ k|ltzt /x]sf] cg'dfg 5 . cfly{s jif{
@)^^.^& df j:t' tyf ;]jfsf] lgof{t !$=^ k|ltztn] 36]sf] t/ j:t' tyf ;]jfsf]
cfoft eg] @^=( k|ltztn] a9]sf] cg'dfg /x]sf]n] v'b jfXo dfudf pRr ;+s'rg
b]lvPsf] 5 .
19. g]kfnsf k|d'v /f]huf/ uGtJo d'n'sx¿df ljZj cfly{s dGbLsf] k|efj Go"g x'b} uPsf]n]
>ldsx?sf] dfu klg a9\g yfn]sf] 5 . cfly{s jif{ @)^%.^^ df j}b]lzs /f]huf/Ldf
hfg]x¿sf] ;+Vof !@=* k|ltztn] 36]sf]df cfly{s jif{ @)^^.^& df j}b]lzs /f]huf/sf
nflu :jLs[lt lng]sf] ;+Vof #%=$ k|ltztn] a9]sf] 5 . o; cjlwdf j}b]lzs /f]huf/sf
nflu :jLs[lt lng]sf] ;+Vofdf dn]l;of @$)=* k|ltzt, ;fpbL c/j #&=& k|ltzt /
o'gfO{6]8 c/a O{ld/]6\; #&=$ k|ltztn] a9]sf] 5 . dn]l;ofn] a+unfb]zaf6 sfdbf/
n}hfg /f]s nufPsf]n] g]kfnL sfdbf/x¿sf] pRr dfu eO{ dn]l;ofsf] nflu j}b]lzs
/f]huf/df hfg :jLs[t lng]sf] ;+Vofdf pRr j[l4 ePsf] xf] .
d"No
20. cl3Nnf] cfly{s jif{sf] t'ngfdf cfly{s jif{ @)^^.^& df d"No j[l4b/df s]xL ;'wf/
ePtfklg cf};t jflif{s d'b|f:kmLltb/ b'O{ c+sdf /x]sf] cg'dfg 5 . vf;u/L df};dL
k|lts"ntfsf] sf/0fn] s[lifhGo j:t'x¿sf] pTkfbg / cfk'lt{ cj:yfdf pNn]Vo ;'wf/ x'g
g;s]sf], phf{ ;+s6, tna tyf Hofnfb/ j[l4 / l5d]sL d'n's ef/tdf vfBfGg ;d"xsf]
d"No j[l4b/ pRr /xg uPsf]n] d"Nodf rfk k/]sf] xf] . kl5Nnf dlxgfx¿df eg] d"No
j[l4b/df s]xL ;'wf/ ePsf] 5 . @)^& h]7 dlxgfdf jflif{s ljGb'ut cfwf/df pkef]Qmf
d"No j[l4b/ (=^ k|ltzt /x]sf] 5 . @)^^ h]7 dlxgfdf o:tf] d'b|f:kmLltb/ !@=#
k|ltzt /x]sf] lyof] . vfB tyf k]o kbfy{ ;d"xsf] jflif{s ljGb'ut d"No j[l4b/ !!=#
k|ltzt / u}/–vfB tyf ;]jf ;d"xsf] jflif{s ljGb'ut d"No j[l4b/ &=# k|ltzt /x]sf]
5 . cl3Nnf] jif{sf] o;} dlxgfdf oL ;d"xx¿sf] d"No j[l4b/ qmdzM !( k|ltzt / %=!
k|ltzt /x]sf] lyof] . vfBfGg ;d"xsf] d"No j[l4b/ 36\g] qmddf /x]klg u}/–vfB tyf
;]jf ;d"xsf] d"No j[l4b/ eg] a9\g] qmddf /x]sf] 5 .
21. yf]s d"Nol:ylttkm{ ck]Iffs[t ?kdf a9L ;'wf/ ePsf] 5 . @)^& h]7 dlxgfdf /fli6«o
yf]s d"No ;"rsfÍsf] jflif{s ljGb'ut j[l4b/ ^=# k|ltzt dfq /x]sf] 5 hals cl3Nnf]
jif{sf] o;} cjlwdf ;f] j[l4b/ !& k|ltzt /x]sf] lyof] . yf]s d"No cGtu{tsf s[lifhGo
j:t', :jb]zL pTkflbt j:t' / cfoftLt j:t''x¿sf] d"No qmdzM ^ k|ltzt, *=% k|ltzt
/ %=& k|ltztn] j[l4 ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf oL j:t'x¿sf] d"No
qmdzM ##=$ k|ltzt, ^ k|ltzt / )=@ k|ltztn] a9]sf] lyof] . pQm cjlwdf gub]afnL,
kmnkm"n tyf t/sf/L / /f;folgs dnsf] d"Nodf lu/fj6 cfPsf] sf/0fn] d"No ;"rsfË
36]sf] xf] .
5
22. @)^& h]7 dlxgfdf jflif{s ljGb'ut /fli6«o tna tyf Hofnfb/ ;"rsfÍ !#=$
k|ltztn] j[l4 ePsf] 5 . cl3Nnf] jif{ ;f] ;"rsfÍ @!=% k|ltztn] a9]sf] lyof] . pQm
;"rsfÍdWo] tna ;"rsfÍ !#=* k|ltzt / Hofnfb/ ;"rsfÍ !#=# k|ltztn] a9]sf] 5 .
tnj ;"rsfÍ cGtu{t lzIffdf @@=$ k|ltztsf] pNn]Vo j[l4 ePsf] 5 . Hofnfb/
;"rsfÍ cGtu{t s[lif dhb'/, cf}Bf]lus dhb'/ / lgdf{0f dhb'/sf] Hofnfb/ ;"rsfÍ
qmdzM !*=* k|ltzt, $=$ k|ltzt / !!=% k|ltztn] j[l4 ePsf] 5 . @)^^ ;fpg
dlxgfb]lv ;/sf/L sd{rf/L nufot ;'/IffsdL{, lzIfs tyf ;+:yfgsf sd{rf/Lsf]
tnadf j[l4 ePsf] sf/0fn] pQm ;"rsfÍdf a9L rfk k/]sf] xf] .
;/sf/L ljQ
23. cfly{s jif{ @)^^.^& df gub k|jfxdf cfwfl/t s'n ;/sf/L vr{ @)=@ k|ltztn] a9]/
¿= @$* ca{ #& s/f]8 k'u]sf] 5 . cl3Nnf] jif{ pQm vr{ #&=* k|ltztn] a9]sf] lyof] .
s'n vr{dWo] rfn" vr{ @)=& k|ltzt / k"FhLut vr{ @)=@ k|ltztn] a9]sf] 5 .
cl3Nnf] jif{ pk/f]Qm vr{x¿ qmdzM #%=$ k|ltzt / $% k|ltztn] a9]sf lyP .
;/sf/L sd{rf/Lx¿ Pj+ lzIfsx¿sf] tna eQfdf ul/Psf] j[l4, ljz]if ;'/Iff of]hgfdf
ul/Psf]] vr{ tyf ljBfno cg'bfgdf ePsf] j[l4 h:tf sf/0fx?n] ubf{ rfn" vr{ a9]sf]
xf] . cfly{s jif{ @)^^÷^& df gub k"FhLut vr{ ah]6 cg'dfgsf] &! k|ltzt ePsf]
5 . ;f]em} e'QmfgL / j:t'ut ;xfotf :j?k ePsf] k"FhLut vr{ hf]8\bf cfly{s
jif{el/df ;f] vr{ ah]6 cg'dfgsf] sl/j *@ k|ltzt k'Ug] cy{ dGqfnosf] cg'dfg 5 .
24. cfly{s jif{ @)^^.^& df g]kfn ;/sf/sf] /fh:j ;+sng @%=$ k|ltztn] j[l4 eO{ ¿=
!&( ca{ (% s/f]8 k'u]sf] 5 . cfly{s jif{ @)^%.^^ df /fh:jsf] j[l4b/ ##=# k|ltzt
/x]sf] lyof] . cfoftdf ePsf] j[l4 / ;+/rgfut tyf k|zf;lgs ;'wf/ cGtu{t æs/
;xeflutf jif{ @)^^.^&Æ+ sf] sfof{Gjog, :yfoL n]vf gDa/ lng]sf] ;+Vofdf j[l4, s/
:jo+;]jsx¿sf] kl/rfng, /fh:j k|zf;gdf ;'wf/ / /fh:j r'xfj6 lgoGq0fn] ubf{
/fh:j kl/rfngdf j[l4 ePsf] xf] . /fh:j kl/rfngsf cltl/Qm ;/sf/nfO{ k|fKt x'g]
j}b]lzs gub cg'bfg !=( k|ltztn] / j}b]lzs gub C0f !$=% k|ltztn] a9]sf] 5 .
25. cfly{s jif{ @)^^.^& df gub k|jfxdf cfwfl/t ;/sf/sf] ah]6 ¿= #( ca{ * s/f]8n]
3f6fdf /x]sf] 5 . cl3Nnf] jif{ ;/sf/L ah]6 ¿= #$ ca{ #^ s/f]8n] 3f6fdf /x]sf]
lyof] . cfly{s jif{ @)^^.^& df g]kfn ;/sf/n] ¿ ^ ca{ !^ s/f]8sf] clwljsif{ ;d]t
u/L ¿ #^ ca{ & s/f]8 cfGtl/s C0f kl/rfng u/]sf] 5 . o; cjlwdf g]kfn
;/sf/n] u/]sf] ¿ & ca{ (# s/f]8sf] cfGtl/s C0f e'QmfgL / g]kfn /fi6« a}+saf6
pkof]u u/]sf] clwljsif{nfO{ ;dfof]hg ubf{ ¿ @! ca{ (( s/f]8 v'b cfGtl/s C0f
kl/rfng ePsf] 5 .
afXo If]q
26. ;g\ @))* b]lv pTkGg ljZj ljQLo ;+s6af6 ;[lht k|lts"n cj:yfdf ;d]t
;Gtf]ifhgs /x]sf] g]kfnsf] jfXo If]q sf/f]jf/sf]] l:ylt cfly{s jif{ @)^^.^& df
sdhf]/ /Xof] . lgof{tdf lzlyntf tyf cfoftdf pRr j[l4 x'g hfFbf Jofkf/ 3f6fdf
pRr lj:tf/ eO{ cfly{s jif{ @)^^.^& sf] P3f/ dlxgfdf rfn" vftf ¿= #$ ca{ %(
s/f]8n] 3f6fdf /x]sf] sf/0f ;du| zf]wgfGt/ l:ylt ¿= !% ca{ & s/f]8n] 3f6fdf
6
/x]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf ¿= #( ca{ ^ s/f]8sf] zf]wgfGt/ art /x]sf]
lyof] . cfly{s jif{ @)^^÷^& sf kl5Nnf dlxgfx¿df lnOPsf df}lb|s sbdx¿sf
sf/0f zf]wgfGt/ l:yltdf qmdzM ;'wf/ x'Fb} uO/x]sf]n] cfly{s jif{el/df ;f] 3f6f ¿ %
ca{sf] xf/fxf/Ldf /xg ;s]sf] cg'dfg 5 .
27. cfly{s jif{ @)^^.^& sf] P3f/ dlxgfdf j}b]lzs /f]huf/Laf6 k|fKt ljk]|if0f !!=*
k|ltztn] j[l4 eO{ ¿= @!! ca{ !& s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf
o:tf] ljk|]if0f cfk|jfx ¿= !** ca{ ** s/f]8 /x]sf] lyof] . cd]l/sL 8n/df u0fgf
ubf{ ljk|]if0f cfk|jfx !%=@ k|ltztn] j[l4 eO{ cd]l/sL 8n/ @ ca{ *# s/f]8 k'usf]
5 . cl3Nnf] jif{sf] o;} cjlwdf cd]l/sL 8n/ @ ca{ $^ s/f]8 j/fj/sf] ljk|]if0f k|fKt
ePsf] lyof] . ljZj cfly{s ;+s6sf] k|efjsf sf/0f s]xL ;do;Dd j}b]lzs /f]huf/Ldf
hfg] sfdbf/sf] ;+Vofdf sdL cfPsf]n] lghL If]qsf] ljk|]if0f cfk|jfxsf] j[l4b/df sdL
cfPsf] ePklg ljZj >d ahf/df sfdbf/sf] dfudf x'g yfn]sf] ;'wf/sf sf/0f j}b]lzs
/f]huf/L tyf ljk|]if0f cfk|jfxdf b|'tQ/ j[l4 x'g yfn]sf] 5 .
28. j}b]lzs Jofkf/tk{m cfly{s jif{ @)^^.^& sf] P3f/ dlxgfdf ef/ttkm{sf] lgof{t $=%
k|ltztn] / cGo d'n'stk{m !*=% k|ltztn] x|f; cfO{ s'n j:t' lgof{t (=* k|ltztn]
36]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf ef/ttk{msf] lgof{t *=% k|ltztn] / cGo
d'n'stk{msf] lgof{t @(=& k|ltztn] a9]sf] sf/0f s'n j:t' lgof{t !%=* k|ltztn]
a9]sf] lyof] . ;dLIff cjlwdf ef/ttk{m d'Votof tof/L kf]zfs, h:tfkftf,
hL=cfO{=kfOk, 6'yk]i6, rfprfp / h'; Pjd\ cGo d'n'stk{m klZdgf, pmgL un}+rf,
tof/L kf]zfs / bfnsf] lgof{tdf sdL cfPsf] 5 .
29. cfly{s jif{ @)^^.^& sf] P3f/ dlxgfdf s'n j:t' cfoft #%=@ k|ltztn] a9]sf] 5 .
cl3Nnf] jif{sf] ;f]xL cjlwdf s'n cfoft @^=$ k|ltztn] a9]sf] lyof] . s'n j:t'
cfoft dWo] ef/taf6 ePsf] cfoft #%=& k|ltzt / cGo d'n'saf6 ePsf] cfoft
#$=^ k|ltztn] a9]sf] 5 . cl3Nnf] jif{ ef/taf6 !!=( k|ltzt / cGo d'n'saf6 %@=$
k|ltztn] cfoftdf j[l4 ePsf] lyof] . ef/taf6 d'Votof ;jf/L ;fwg tyf kf6{k'hf{,
x6 /f]N8 ;L6 Og SjfOn, s[lif ;DaGwL pks/0f, /;folgs dn, Pd P; ljn]6 tyf
cf}iflw / cGo d'n'saf6 ljz]ifu/L ;'g, kf]lnlyg u|]g'oN;, b"/;+rf/sf pks/0f tyf
kf6{k'hf{, :6Ln /8 tyf ;L6, sDKo'6/ tyf kf6{k'hf{ / cGo d]lzg/L tyf kf6{k'hf{sf]
cfoftdf lj:tf/ ePsf] 5 .
30. cfly{s jif{ @)^^.^& sf] P3f/ dlxgfdf lgof{t÷cfoft cg'kft !^=! k|ltzt /x]sf] 5 .
cl3Nnf] jif{sf] o;} cjlwdf o:tf] cg'kft @$=@ k|ltzt /x]sf] lyof] . kmn:j?k, s'n
Jofkf/df lgof{tsf] c+z !#=( k|ltztdf em/]sf] 5 eg] cfoftsf] c+z ;f]xL cg'?k *^=!
k|ltzt k'u]sf] 5 . ut jif{sf] o;} cjlwdf s'n Jofkf/df lgof{t / cfoftsf] c+z
qmdzM !(=% k|ltzt / *)=% k|ltzt /x]sf] lyof] .
31. ef/t;Fusf] pRr Jofkf/ 3f6fnfO{ wfGg cfly{s jif{ @)^^.^& df cd]l/sL 8n/ @ ca{
!( s/f]8 laqmL u/L ef/tLo ¿k}ofF !)@ ca{ ( s/f]8 vl/b ePsf] 5 . cl3Nnf] jif{sf]
o;} cjlwdf cd]l/sL 8n/ ! ca{ %@ s/f]8 laqmL u/L ef/tLo ¿k}ofF &# ca{ $)
7
s/f]8 vl/b ePsf] lyof] . d'Votof k]6«f]lnod kbfy{sf] cfoft ef/taf6 ug'{k/]sf]
k[i7e"lddf ef/tLo d'b|f vl/b klg a9\g yfn]sf] xf] .
32. cfly{s jif{ @)^^.^& df cd]l/sL 8n/ e'QmfgL u/L ef/taf6 x'g] cfoftdf klg pRr
j[l4 ePsf] 5 . cfly{s jif{ @)^%÷^^ sf] P3f/ dlxgfdf ¿= @* ca{ *& s/f]8
a/fa/sf] cfoft ePsf]df cfly{s jif{ @)^^.^& sf] ;f]xL cjlwdf ¿= $% ca{ %(
s/f]8 a/fa/sf] cfoft ePsf] 5 . cl3Nnf] jif{sf] t'ngfdf pTkfbgd"ns pBf]usf]
pTkfbg j[l4 ePsf] tyf ef/tLo ¿k}ofF cd]l/sL 8n/;Fu clwd"Nog ePsf]n] cd]l/sL
8n/ e'Qmfg u/L ef/taf6 ug]{ cfoftdf lj:tf/ ePsf] xf] .
33. @)^& c;f/ !* ut];Dddf s'n ljb]zL ljlgdo ;l~rlt @)^^ c;f/ d;fGtsf]
t'ngfdf ^=( k|ltztn] 36]/ ¿= @%( ca{ (@ s/f]8 k'u]sf] 5 . tyflk, @)^& c;f/
d;fGt;Dddf ;f] ;l~rltsf] :t/df pNn]Vo ;'wf/ eO{ ¿ @^& ca{ k'u]sf] cg'dfg 5 .
@)^^ c;f/ d;fGtsf] t'nfgfdf of] $ k|ltztn] sd xf] . cl3Nnf] jif{sf] ;f]xL cjlwdf
s'n ;l~rlt @&=* k|ltztn] a9]sf] lyof] . Jofkf/ 3f6fdf pRr lj:tf/ eO{ rfn" vftf
3f6fdf /x]sf] sf/0f ljb]zL ljlgdo ;l~rltdf sdL cfPsf] xf] . cd]l/sL 8n/df @)^^
c;f/ d;fGtsf] t'ngfdf @)^& h]7 d;fGtdf s'n ;l~rlt &=^ k|ltztn] sdL eO{
cd]l/sL 8n/ # ca{ #! s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf cd]l/sL
8n/df s'n ;l~rlt !%=* k|ltztn] a9]sf] lyof] . cfly{s jif{ @)^^.^& sf] P3f/
dlxgfsf] cfoftnfO{ cfwf/ dfGbf ljb]zL ljlgdo ;l~rltsf] ljBdfg :t/ sl/j *
dlxgfsf] j:t' cfoft / sl/j & dlxgfsf] j:t' tyf ;]jfsf] cfoft wfGg kof{Kt /x]sf]
5.
ljQLo ahf/
34. cfly{s jif{ @)^^.^& df o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿sf]
;+Vofdf ;fdfGo j[l4 ePsf] 5 . @)^& c;f/ d;fGt;Dddf @& jfl0fHo a}+s, &(
ljsf; a}+s, &( ljQ sDkgL, !* n3'ljQ ljsf; a}+s u/L æsÆ b]lv æ3Æ ju{sf a}+s
tyf ljQLo ;+:yfx¿sf] ;+Vof @)# k'u]sf] 5 . @)^^ c;f/ d;fGtdf jfl0fHo a}+s @^,
ljsf; a}+s ^#, ljQ sDkgL && / n3'ljQ ljsf; a}+s !% u/L pQm ;+Vof hDdf !*!
/x]sf] lyof] . To;}u/L, jfl0fHo a}+sx¿sf] zfvf ;+Vof @)^^ c;f/sf] &%@ af6 a9]/
@)^& c;f/ dlxgf;Dddf (^^ k'u]sf] 5 . jfl0fHo a}+ssf zfvfx¿sf] ef}uf]lns
ljt/0fnfO{ x]bf{ sf7df08f} pkTosfdf ##$, kxf8df @$@ / t/fO{df #() a}+s zfvf
/x]sf 5g\ .
35. a}+s tyf ljQLo ;+:yfx¿sf] ;+VofTds j[l4;Fu} pgLx¿n] u/]sf] shf{ nufgLsf]
u'0f:t/df klg qmdzM ;'wf/ cfO/x]sf] b]lvG5 . @)^^ r}t dlxgfsf] cGTo;Dd cfOk'Ubf
jfl0fHo Af}+sx¿sf] v/fa shf{ cg'kft #=! k|ltztdf em/]sf] 5 . pQm cg'kft @)^^
c;f/ d;fGtdf #=^ k|ltzt /x]sf] lyof] . ljQLo If]q ;'wf/ sfo{qmd cGtu{t ljz]if
;/f]sf/ /x]sf g]kfn a}+s lnld6]8 / /fli6«o jfl0fHo a}+s lnld6]8sf] v/fj shf{ cg'kft
qmdzM $=( k|ltzt / !@=! k|ltzt /x]sf] 5 . @)^^ c;f/ d;fGt;Dddf tL
a}+sx¿sf] pQm cg'kft qmdzM %=$ k|ltzt / !%=& k|ltzt /x]sf] lyof] .
8
36. o; a}+saf6 Ohfht k|fKt u/]sf æsÆ ju{sf a}+sx¿sf] s'n lgIf]k @)^^ c;f/sf]
t'ngfdf !@=@ k|ltztn] j[l4 eO{ @)^& c;f/df ¿ ^!& ca{ k'u]sf] cg'dfg 5 .
kl5Nnf dlxgfx¿df lgIf]ksf] j[l4b/ pNn]Vo /x]sf] 5 . shf{tkm{ @)^^ c;f/sf]
t'ngfdf !&=^ k|ltztn] j[l4 eO{ @)^& c;f/df ¿ %(@ ca{ k'u]sf] cg'dfg 5 . ævÆ
ju{sf ljsf; a}+sx¿sf] lgIf]k kl/rfng @)^^ c;f/ d;fGtsf] t'ngfdf $!=!
k|ltztn] j[l4 eO{ @)^& h]7 d;fGtdf ¿ ^* ca{ #$ s/f]8 k'u]sf] 5 . To;}u/L, shf{
tyf nufgL @)^^ c;f/ d;fGtsf] ¿ $! ca{ @$ s/f]8af6 %#=@ k|ltztn] j[l4 eO{
¿= ^# ca{ !* s/f]8 k'u]sf] 5 . æuÆ ju{sf ljQ sDkgLx¿sf] s'n lgIf]k @)^^ c;f/
d;fGtsf] ¿ %& ca{ * s/f]8af6 @$=* k|ltztn] j[l4 eO{ @)^& h]7 d;fGtdf
¿= &! ca{ @# s/f]8 k'u]sf] 5 eg] shf{ tyf nufgL @)^^ c;f/ d;fGtsf] ¿ %(
ca{ ($ s/f]8af6 @&=$ k|ltztn] j[l4 eO{ @)^& h]7 d;fGtdf ¿ &^ ca{ #( s/f]8
k'u]sf] 5 .
37. b]zdf gf]6sf] dfu / cfk"lt{aLr ;Gt'ng Nofpg gf]6sf] lg/Gt/ cfk"lt{ u/L
lgIf]kstf{x¿n] cfkm\gf] lgIf]ksf] e'QmfgL k|fKt ug]{ ;'lglZrttf sfod ug{ g]kfn /fi6«
a}+sn] k|To]s b/sf] gf]6sf] dfu k|If]k0fsf] cfwf/df sDtLdf # jif{sf] nflu cfjZos
gf]6 df}Hbft /xg] Joj:yf ldnfPsf] 5 .
38. a}+s tyf ljQLo ;+:yfsf] ;+VofTds lj:tf/n] ;Lldt Joj;flos tyf ef}uf]lns If]qdf
k|lt:kwf{sf] cj:yf ;[hgf u/]klg sltko pTkfbg If]q / ef}uf]lns If]qdf ljQLo kx'Fr
k'Ug ;s]sf] 5}g . cfly{s jif{ @)^^÷^& sf] h]7;Ddsf] a}+sx¿sf] Joj;flos If]qut
shf{sf] ljt/0fnfO{ x]bf{ s[liftkm{ cf};t # k|ltzt, ko{6gtkm{ cf};t @ k|ltzt /
ljB'ttkm{ cf};t ! k|ltzt shf{ k|jfx ePsf] b]lvG5 . s[lif ljsf; a}+s afx]ssf cGo
ÆsÆ ju{sf j}+sx¿sf] s[lif If]qdf ePsf] shf{ nufgL s'n shf{sf] !=! k|ltzt dfq
5 . To:t}, d'n'ssf @$ lhNnfdf ljQLo ;+:yfx¿sf] pkl:ylt k|lt lhNnf cf};t # j6f
jf Tof] eGbf sd dfq 5 . lk5l8Psf !^ lhNnfx¿df k|lt lhNnf Ps a}+s tyf ljQLo
;+:yf dfq 5g\, hasL sf7df8f}+ aflx/ ;d]t s'g} lhNnfdf !)# j6f;Dd ljQLo ;+:yf
eO;s]sf 5g\ . d'n'ssf] cfly{s j[l4sf] nflu clt g} dxTjk"0f{ If]q tyf cfly{s
;fdflhs ljsf;sf nflu yk Wofg lbg' kg]{ ef}uf]lns If]qdf ljQLo ;]jf k'Ug g;Sbf
ljQLo k|0ffnLdf ;+/rgfTds ;'wf/sf] cfjZostf 68\sf/f] ?kdf b]lvPsf] 5 .
39. ;xsf/L P]g, @)$* adf]lhd :yfkgf eO{ art tyf C0fsf] sf/f]jf/ ug]{ ;xsf/L
;+:yfx¿sf] ;+Vofdf pNn]Vo lj:tf/ eO{ xfn o:tf ;+:yfx¿sf] ;+Vof sl/j !*
xhf/sf] xf/fxf/Ldf k'u]sf] / o;dWo] art tyf C0f kl/rfng ug]{ Psn p2]Zon]
:yflkt o:tf ;+:yfx¿sf] ;+Vof sl/j * xhf/ k'u]sf] cg'dfg 5 . xfn} o; a}+saf6 !%
lhNnfdf ul/Psf] !#^ 7"nf tyf demf}Nff art tyf C0f ;xsf/L ;+:yfx?sf]
cWoogaf6 pQm ;+:yfx¿n] @)^^ r}t d;fGt;Dddf ¿ @$ ca{ art ;+sng u/L ¿
@! ca{ C0f k|jfx u/]sf] b]lvG5 . o; tYosf] cfwf/df b]ze/ ;+rfngdf /x]sf o:tf
;+:yfx¿af6 sl/j s'n ¿ ^) ca{ a/fa/sf] art kl/rfng / ¿ %^ ca{ C0f k|jfx
u/]sf] cg'dfg 5 . o:tf] art kl/rfng jfl0fHo a}+sx¿n] o;} cjlwdf kl/rfng
u/]sf] s'n lgIf]k;+u t'ngf ubf{ sl/j !) k|ltzt x'g cfpF5 . ;xsfl/tfsf] l;4fGtdf
9
cfwfl/t eO{ ;+rfng x'g] o:tf ;+:yfx¿sf] a9\bf] ;+VofTds pkl:ylt / sf/f]jf/af6
ljQLo dWo:ytfsf] ;]jfdf k|lt:kwf{ / ljQLo kx'Fr clej[l4df ;xof]u k'Ug uPsf] 5 .
40. cfly{s jif{ @)^^÷^& df cNksfnLg tyf bL3{sfnLg Jofhb/x¿ cl3Nnf] jif{sf]
t'ngfdf pRr /x] . cl3Nnf] jif{ %=*# k|ltzt sfod /x]sf] (!–lbg] 6]«h/L ljN;sf]
efl/t cf};t Jofhb/ cfly{s jif{ @)^^÷^& df ^=% k|ltzt k'u]sf] 5 . cfly{s jif{
@)^%÷^^ df efl/t cf};t cGt/–a}+s Jofhb/ %=)& k|ltzt /x]sf]df @)^^÷^& df
&=&$ k|ltzt sfod ePsf] 5 . rfn" cfly{s jif{df t/ntfdf ;+s'rg cfPsf]n] @)^^
k';, df3 tyf @)^& h]7, c;f/ dlxgfdf Jofhb/ s]xL pRr /Xof] . @)^^ df3
dlxgfdf (!–lbg] 6«]h/L ljN;sf] efl/t cf};t Jofhb/ (=)! k|ltzt /Xof] eg] k';
dlxgfdf efl/t cf};t cGt/ a}+s Jofhb/ !@=*& k|ltzt /Xof] . cNksfnLg ahf/
Jofhb/sf cltl/Qm jfl0fHo a}+sx¿n] lgIf]kdf k|bfg ug]{ Jofhb/ klg a9]sf] 5 . @)^^
c;f/ dlxgfsf] t'ngfdf @)^& h]7 dlxgfdf b'O{–jif]{ / b'O{ jif{eGbfdflysf] d'2lt
lgIf]ksf] clwstd jflif{s Jofhb/ (=%) k|ltztaf6 a9]/ !# k|ltzt;Dd k'u]sf] 5 .
lgIf]ksf] Jofhb/df ePsf] j[l4;Fu} shf{sf Jofhb/x¿df qmdzM % k|ltzt ljGb';Ddn]
j[l4 ePsf] 5 .
41. k"FhL jhf/sf]] Ps c+usf] ?kdf /x]sf] g]kfn ;/sf/sf] ljsf; C0fkq sf/f]jf/ cfly{s
jif{ @)^!.^@ b]lv af]nsaf]n k|s[ofaf6 ;d]t laqmL ug{ z'? ul/Psf] 5 . cfly{s jif{
@)^^.^& df s'n ¿= ( ca{ $ s/f]8sf] ljsf; C0fkq af]nsaf]n k|s[of dfk{mt\ laqmL
ul/of] . o;/L laqmL ul/Psf] ljsf; C0fkqdWo] @)^^ df3df ¿= ! ca{ %) s/f]8sf]
#–jif]{, @)^& h]7df ¿= @ ca{ %% s/f]8sf] %–jif]{ / @)^& c;f/df ¿= $ ca{ ((
s/f]8sf] %–jif]{ cjlwsf /x]sf 5g\ . pk/f]Qm ;a} C0fkqx¿sf] c+lst Jofhb/ (
k|ltzt /x]sf] 5 . j}b]lzs /f]huf/ art kqsf] laqmL klg o; cfly{s jif{af6 z'?
ul/Psf] 5 . oBlk, gLltut Joj:yf ug{ nfdf] ;do nfUg uO{ laqmLsf nflu
;dofefjsf] sf/0fn] of] laqmL ck]Iffs[t kl/df0fdf x'g ;s]g .
42. cfly{s jif{ @)^^.^& df lwtf]kq ahf/ lzlyn /Xof] . jflif{s ljGb'ut cfwf/df @)^^
c;f/ d;fGtdf &$(=! ljGb'df /x]sf] g]K;] ;"rsfÍ #^=@ k|ltztn] 36L @)^& c;f/
d;fGtdf $&&=& ljGb'df em/]sf] 5 . nufgLstf{sf] cfTdljZjf;df sdL cfPsf],
3/hUuftkm{ nufgL a9]sf], jfl0fHo a}+sx¿n] r'Qmf k"FhL tf]lsPsf] :t/df k'¥ofpg
xsk|b tyf af]g; z]o/ hf/L u/L z]o/ ;+Vofdf j[l4 u/]sf], z]o/sf] lwtf]df hfg]
dflh{g shf{df s8fO{ ul/Psf] / k"FhLut nfesf] ;Defjgf 36\b} uPsf]n] g]K;]
kl/;"rsdf lu/fj6 cfPsf] xf] .
43. @)^& h]7sf] cGTodf ahf/ k"FhLs/0f jflif{s ljGb'ut cfwf/df !&=@ k|ltztn] 36L ¿=
#&# ca{ %@ s/f]8 k'u]sf] 5, h'g /sd s'n ufx{:Yo pTkfbgsf] #$=% k|ltzt x'g
cfpF5 . ahf/ k"FhLs/0fdf a}+s tyf ljQLo ;+:yfx¿sf] c+z &#=! k|ltzt, pTkfbg
tyf k|zf]wg If]qsf] @ k|ltzt, xf]6nx¿sf] !=$ k|ltzt, Jofkfl/s ;+:yfx¿sf] )=$
k|ltzt, hnljB'tsf] $=# k|ltzt / cGosf] !*=^ k|ltzt /x]sf] 5 .
44. z]o/sf] d"Nodf cfpg] pQf/r9fjn] nufgLstf{x¿sf] dgf]jn tyf ;du| ljQLo
:yfloTjdf g} k|lts"n c;/ kfg{ ;Sg] ePsf]n] z]o/ ahf/sf] lbuf] / l:y/ ljsf;sf]
10
nflu o; a}+sn] cfly{s jif{ @)^$.^% df z]o/sf] lwtf]df k|jfx x'g] dflh{g k|s[ltsf]
shf{ ;DaGwdf gofF Joj:yf sfod u/L o:tf] shf{ k|bfg ubf{ ljut !*) lbgsf]
cf};t z]o/ d"No jf kl5Nnf] ahf/ d"No, h'g sd 5 ;f]sf] %) k|ltzt;Dd shf{ k|bfg
ug{ kfpg] gLltut Joj:yf ul/Psf] lyof] . cfly{s jif{ @)^%.^^ df o; ;DjGwL
Joj:yfdf yk ;'wf/ ub}{ dflh{g sn ug'{ kg]{ Joj:yf ul/Psf] lyof] . z]o/ ahf/df
b]lvPsf] lzlyntfnfO{ b[li6ut u/L cfly{s jif{ @)^^÷^& df o; a}+sn] dflh{g
k|s[ltsf] shf{ gjLs/0f tyf dflh{g sn ;DaGwL Joj:yfnfO{ s]xL v's'nf] agfPsf]
lyof] .
df}lb|s tyf ljQLo Joj:Yffkg
45. cfly{s jif{ @)^^÷^& sf] df}lb|s gLltn] ah]6 jQmJodf pNn]lvt %=% k|ltztsf]
cfly{s j[l4 xfl;n ug{ ;xh x'g] u/L df}lb|s t/ntf Joj:yfkg ug]{ pNn]v u/]sf]
lyof] . s[lif tyf cf}Bf]lus If]qsf] pTkfbg j[l4b/ Go"g /x]sf]n] cfly{s jif{ @)^^÷^&
df cfwf/e"t d"Nodf cfly{s j[l4b/ #=% k|ltzt /x]sf] cg'dfg dfly pNn]v eO;s]sf]
5 . cfly{s jif{ @)^^÷^& df df}lb|s t/ntfdf ;+s'rg cfPklg cl3Nnf] jif{ cy{tGqdf
/x]sf] clws t/ntfsf] cjl:ylt (Liquidity Overhang) / o; a}+sn] v'nf ahf/
sf/f]jf/dfkm{t k|jfx u/]sf]] t/ntfn] cfly{s j[l4sf] nflu cfjZos df}lb|s t/ntfsf]
cfk"lt{ u/]sf]n] t/ntf ;+s'rgaf6 cfly{s j[l4df vf;} k|lts"n k|efj k/]sf] 5}g .
46. cfly{s jif{ @)^^÷^& sf] df}lb|s gLltdf jflif{s cf};t pkef]Qmf d"No j[l4 & k|ltzt
/xg] k|If]k0f ul/Psf]df To:tf] j[l4b/ !)=% k|ltzt /xg] ;+zf]lwt cg'dfg 5 . a}+lsË
If]qsf] t/ntf ;+s'rgn] dfu kIfaf6 d"Nodflysf] rfk sd ug{ ;xof]u k'u]sf] ePklg
vfB j:t'x¿sf] d"No j[l4 pRr /x]sf]n] ;du| d'b|f:kmLltb/ pRr /xg uPsf] xf] .
sdhf]/ ljt/0f k|0ffnL, cGt/fli6«o ahf/df lrgL nufot s]xL pkef]Uo j:t'x¿sf]
pRr d"No j[l4 tyf s[lif pTkfbgsf] j[l4b/df cfPsf] x|f;sf sf/0f vfBfGgsf] d"Nodf
rfk k/]sf] 5 . 3/hUufdf ePsf] ck|Tofl;t d"Noj[l4 / To;n] qmozlQmdf NofPsf]
kl/jt{g klg d"No j[l4sf] sf/0f ag]sf] 5 . /fhg}lts ;+s|d0fsfn, sdhf]/ >d
;DaGw, ljB't cfk"lt{ ;d:of / cy{tGqsf] cGo ;+/rgfut sf/0fn] cfGtl/s cf}Bf]lus
pTkfbg k"0f{ Ifdtfdf x'g g;s]sf]n] cfGtl/s dfu / cfk"lt{aLrsf] c;Gt'ng a9\b}
uO/x]sf] 5 .
47. cfly{s jif{ @)^^÷^& sf] df}lb|s gLltdf zf]wgfGt/ art ¿ !* ca{ /xg] nIo
/x]sf]df cfly{s jif{sf] klxnf] 5 dlxgfsf] l:yltnfO{ Wofgdf /fvL df}lb|s gLltsf]
cw{jflif{s ;dLIffdf zf]wgfGt/ l:ylt ¿ * ca{ ** s/f]8n] 3f6fdf /xg] cg'dfg
ul/Psf] lyof] . ;'g tyf rfFbL / uf8L tyf uf8Lsf] kf6{k'hf{sf] cfoft pRr /x]sf],
lgof{t Jofkf/df x|f; cfPsf] / cfly{s jif{ @)^%÷^^ sf] t'ngfdf cfly{s jif{
@)^^÷^& df j}b]lzs /f]huf/Ltkm{sf] ljk|]if0f cfk|jfxsf] j[l4b/df sdL cfPsf]n]
zf]wgfGt/ 3f6f pRr /xg uPsf] xf] . zf]wgfGt/ 3f6fdf ;'wf/ Nofpg cfly{s jif{
@)^^÷^& df df}lb|s pkfosf] ?kdf shf{sf] clws lj:tf/ x'g glbg Jofhb/ s]xL
pRr /fVg] /0fgLlt cjnDjg u/L v'nf jhf/ sf/f]jf/nfO{ ;Gt'lnt 9+uaf6 ;+rfng
ul/g'sf ;fy} o; a}+sn] k|bfg ug]{ :yfoL t/ntf ;'ljwfsf] Jofhb/ lgwf{/0f ug]{
ljBdfg k|lqmofdf kl/jt{g ul/of] . csf]{tkm{, ;'g tyf rfFbL cfoftdf s8fO{ ul/of] eg]
11
df}lb|s gLltsf] cw{jflif{s ;dLIffdf pko'{Qm sbdx¿nfO{ lg/Gt/tf lbb}+ /fxbfgL

afktsf] ;6xL ;'ljwf / 8«fˆ6 6L6Laf6 x'g] j}b]lzs Jofkf/sf] e'QmfgL /sddf klg
s6f}tL ul/of] . pNn]lvt pkfox¿sf sf/0f @)^^ kmfu'g d;fGtdf ¿ @# ca{ %#
s/f]8 k'u]sf] zf]wgfGt/ 3f6fdf qmlds ;'wf/ eO{ @)^& h]7 d;fGtdf o:tf] 3f6f ¿
!% ca{ & s/f]8df em/]sf] 5 eg] cfly{s jif{sf] cGTo;Dddf ;f] 3f6f sl/a ¿ % ca{
/xg] ;+zf]lwt cg'dfg /x]sf] 5 .
48. cfly{s jif{ @)^^÷^& df df}lb|s nIox¿dWo] lj:t[t d'b|fk|bfo !& k|ltztn] j[l4 x'g]
k|If]k0f /x]sf]df oyfy{df !$ k|ltztn] a9]sf] cg'dfg 5 . cfly{s jif{ @)^^÷^& sf]
P3f/ dlxgfdf pQm d'b|fk|bfo *=@ k|ltztn] a9]sf] 5 . v'b j}b]lzs ;DklQ nlIft u/]
eGbf pNn]Vo ?kdf sd /x]sf]n] df}lb|s lj:tf/ k|If]k0f ul/P eGbf Go"g /xg uPsf] xf] .
df}lb|s of]ufÍsf] j[l4b/df sdL cfPklg lghL If]qtkm{sf] shf{ lj:tf/ eg] jfl~5t
:t/df /x]sf] 5 .
49. cfly{s jif{ @)^^÷^& df s'n cfGtl/s shf{ !(=# k|ltztn] a9\g] k|If]k0f ul/Psf]df
!( k|ltztn] j[l4 ePsf] ;+zf]lwt cg'dfg 5 . cfly{s jif{ @)^^÷^& sf] P3f/
dlxgfdf cfGtl/s shf{ !@=( k|ltztn] a9]sf] 5 . g]kfn ;/sf/dflysf] bfjL pRr
b/n] lj:tf/ ePsf]n] s'n cfGtl/s shf{ k|If]k0fsf] xf/fxf/Ldf /xsf] xf] . cfly{s jif{
@)^^÷^& df g]kfn ;/sf/dflysf] a}+lsË If]qsf] bfjL @%=# k|ltztn] a9]sf] cg'dfg
5 . To;}u/L, cfly{s jif{ @)^^÷^& df lghL If]qtkm{sf] shf{ @)=& k|ltztn] a9\g]
k|If]k0f /x]sf]df !&=^ k|ltztn] a9]sf] ;+zf]lwt cg'dfg /x]sf] 5 . a}+lsË If]qsf]
t/ntfdf sdL cfPsf]n] lghL If]qtkm{sf] shf{sf] j[l4b/ k|If]lkteGbf ;LdfGt sd /x]sf]
xf] . rfn" cfly{s jif{sf] P3f/ dlxgfdf lghL If]qtkm{sf] shf{ !&=$ k|ltztn] a9]sf]
5.
50. cfly{s jif{ @)^^÷^& df jfl0fHo a}+sx¿sf] lgIf]k j[l4b/ Go"g /Xof] . cfly{s jif{
@)^^÷^& sf] P3f/ dlxgfdf lgIf]k j[l4b/ ^=# k|ltzt /x]sf] 5 eg] shf{ tyf
nufgLsf] j[l4b/ !$=! k|ltzt / lghL If]qtkm{sf] shf{ j[l4b/ !&=@ k|ltzt /x]sf] 5 .
kl5Nnf dlxgfx¿df lgIf]ksf] Jofhb/df ePsf] j[l4sf sf/0f a}+sx¿df lgIf]k a9\g]
qmd hf/L 5 . tyfkL ljsf; a}+s / ljQ sDkgLx¿sf] lgIf]ksf] j[l4b/sf] t'ngfdf of]
sd /x]sf] 5 .
51. pTkfbgd"ns If]qtkm{ kof{Kt shf{ k|jfx x'g g;s]sf] / t/ntfdf ;+s'rg cfPsf]
l:yltnfO{ b[li6ut u/L o; a}+sn] cfly{s jif{ @)^^÷^& sf] df}lb|s gLltsf] dWofjlw
;dLIffdf tf]lsPsf pTkfbgd"ns If]qtkm{ shf{ k|jfx a9fpg] p2]Zon] a}+s tyf ljQLo
;+:yfx¿nfO{ k'g/shf{ ;'ljwf pknJw u/fpg] Joj:yf u¥of] . o; Joj:yfaf6
pTkfbgd"ns pBf]utkm{ shf{ k|jfx eO{ pTkfbg j[l4, d"No l:y/tf / jfXo tyf ljQLo
:yfloTj sfod ug{ ;xof]u k'Ug] ck]Iff lnOPsf] 5 . @)^& c;f/ d;fGt;Dddf !@
j6f a}+sx¿nfO{ s'n ¿ # ca{ %# s/f]8 k'g/shf{ ;'ljwf :jLs[t ul/Psf]df ( j6f
a}+sx¿nfO{ ¿ @ ca{ *% s/f]8 ;'ljwf pknJw u/fO{ ;lsPsf] 5 . To;}u/L, # ljsf;
a}+s tyf ! ljQ sDkgLn] klg o; ;'ljwf cGtu{t ¿ %* s/f]8 $@ nfv ;'ljwf
pkof]u u/]sf 5g\ .
12
52. lghL If]qtkm{ k|jflxt shf{sf] j[l4b/ ljut s]xL jif{b]lv pRr /xFb} cfPsf] ePklg s'n
shf{df s[lif tyf pTkfbg If]qtkm{sf] shf{sf] c+z 36\g] qmddf /x]sf] 5 . @)^$ c;f/
d;fGtdf s[lif If]qdf s'n shf{sf] ^ k|ltzt shf{ k|jflxt ePsf]df ;f] cg'kft 36\b}
@)^% c;f/ d;fGtdf $=% k|ltzt / @)^& h]7df # k|ltzt sfod x'g cfPsf] lyof] .
shf{sf] kl/df0fdf x]bf{ @)^& h]7 d;fGtdf jfl0fHo a}+sx¿sf] lghL If]qtkm{sf] s'n
shf{ k|jfx ¿ $&^ ca{ # s/f]8 /x]sf]df s[lif If]qtkm{sf] shf{ k|jfx # k|ltzt cyf{t
s'n ¿ !$ ca{ #$ s/f]8 /x]sf] 5, h;dWo] s[lif ljsf; a}+ssf] dfq o; If]qtkm{sf]
shf{ k|jfx ¿ ( ca{ #% s/f]8 5 . To;}u/L, pTkfbg If]qtkm{sf] shf{ klg 36\g] qmddf
/x]sf] 5 . @)^$ c;f/ d;fGtdf s'n shf{sf] @^=( k|ltzt shf{ pTkfbg If]qtkm{
k|jflxt ePsf]df ;f] cg'kft 36\b} @)^& h]7 d;fGtdf @)=& k|ltzt sfod ePsf] 5 .
o;sf] ljkl/t l/on :6]6tkm{sf] shf{ k|jfx eg] pRr b/n] a9]sf] 5 . @)^$ c;f/
d;fGtdf o; If]qdf s'n shf{sf] !=! k|ltzt dfq shf{ k|jfx ePsf]df @)^& h]7
d;fGtdf ( k|ltzt k'u]sf] 5 . shf{sf] o; k|j[lQn] 5gf}6k"0f{ shf{ gLlt cjnDjg u/L
s[lif, phf{, pTkfbgd"ns pBf]u tyf ko{6g h:tf pTkfbgzLn If]qx¿df shf{ k|jfx
a9fpg yk kxn ug'{ kg]{ cfjZostf b]lvPsf] 5 .
53. zf]wgfGt/ 3f6f / ;fwgsf] ;|f]tsf] t'ngfdf shf{ k|jfxsf] j[l4b/ pRr /x]sf]n] jfl0fHo
a}+sx¿sf] t/n ;DklQ cfly{s jif{ @)^^÷^& sf] P3f/ dlxgfdf %=! k|ltztn] 36L ¿
!&* ca{ %) s/f]8 sfod ePsf] 5 . pQm ;DklQdWo] ljb]zdf /x]sf] df}Hbft ¿ $(
ca{ ## s/f]8 / ;/sf/L ;'/If0f kqdf nufgL ¿ &! ca{ (% s/f]8 /x]sf] 5 . @)^&
h]7 d;fGtdf t/n ;DklQ s'n lgIf]k;Fusf] cg'kftdf #)=% k|ltzt /x]sf] 5 . @)^^
c;f/ d;fGtdf pQm cg'kft #$=@ k|ltzt /x]sf] lyof] . t/ntf–lgIf]k cg'kftdf sdL
cfPsf] ePklg s'n ;DklQ÷bfloTj ;+/rgfdf t/n ;DklQsf] dfqf tf]lsPsf]
cg'kfteGbf pRr /x]sf]n] a}+lsË If]qdf t/ntfsf] l:ylt ;'ljwfhgs /x]sf] ;+s]t
ub{5 .
54. zf]wgfGt/ 3f6fsf] sf/0f a}+lsË If]qsf] lgIf]k tyf cGo ;fwg kl/rfngdf sdL
cfP;Fu} kf]6{kmf]lnof] ;+/rgfdf ;dfof]hg x'g g;Sbf jfl0fHo a}+s tyf ljQLo
;+:yfx¿n] s]xL ;do;Dd t/ntf ;d:of ;fdgf u/] . pQm ;d:of ;dfwfgsf] nflu
jfl0fHo a}+sx¿n] ljb]zdf /x]sf] df}HbftnfO{ klg s]xL xb;Dd pkof]udf NofP . t/ntf
;+s'rgsf sf/0fn] k|0ffnLut hf]lvd (Systemic Risk) cfpg glbg df}lb|s
Joj:yfkgsf] k|d'v pkfosf] ¿kdf o; a}+saf6 v'nf ahf/ sf/f]af/nfO{ hf]8 lbOof] .
v'nf ahf/ sf/f]jf/ cGtu{t l/kf] tyf l/e;{ l/kf] af]nsaf]nsf] cjlwnfO{ ljBdfg @*
lbgaf6 a9fO{ $% lbg k'¥ofOof] .
55. cfly{s jif{ @)^^÷^& df vl/b af]nsaf]n / l/kf] af]nsaf]ndfkm{t qmdzM ¿ # ca{
#* s/f]8 / ¿ !#! ca{ ^* s/f]8 u/L s'n ¿ !#% ca{ ^ s/f]8 t/ntf k|jfx ul/of]
eg] ;f]em} laqmL af]nsaf]naf6 ¿ & ca{ $$ s/f]8 / l/e;{ l/kf] af]nsaf]naf6 ¿ !
ca{ u/L s'n ¿ * ca{ $$ s/f]8 t/ntf k|zf]rg ul/of] . @)^& c;f/ d;fGt;Dddf
g]kfn /fi6« a}+saf6 ul/Psf] l/kf] dWo] ¿ @ ca{ # s/f]8 aSof}tf /x]sf] 5 . v'nf ahf/
sf/f]jf/sf] k|efjsf/L sfof{Gjogaf6 ljQLo ahf/nfO{ l:y/tf k|bfg ug{ d2t k'u]sf]
5.
13
56. cfly{s jif{ @)^^÷^& df g]kfn /fi6« a}+sn] ljb]zL ljlgdo ahf/ x:tIf]kdfkm{t
jfl0fHo a}+sx¿af6 cd]l/sL 8n/ ! ca{ ^) s/f]8 v'b vl/b u/L ¿ !!* ca{ ^^
s/f]8 a/fa/sf] t/ntf k|jfx u/]sf] 5 . cl3Nnf] jif{sf] o;} cjlwdf ljb]zL ljlgdo
ahf/ x:tIf]kdfkm{t jfl0fHo a}+sx¿af6 cd]l/sL 8n/ ! ca{ *$ s/f]8 v'b vl/b eO{
¿ !$@ ca{ %) s/f]8 a/fa/sf] t/ntf k|jfx ePsf] lyof] .
57. t/ntf ;d:of ;dfwfgsf nflu jfl0fHo a}+s tyf ljQLo ;+:yfx¿sf nflu o; a}+saf6
pknAw x'Fb} cfPsf] cNksfnLg :yfoL t/ntf ;'ljwf cGtu{t cfly{s jif{ @)^^÷^& df
s'n ¿ (% ca{ ($ s/f]8 pkof]u ePsf] 5 . cfly{s jif{ @)^%÷^^ sf] o;} cjlwdf
s'n ¿ !)& ca{ &* s/f]8 ;'ljwf pkof]u ePsf] lyof] . o; cfly{s jif{df ljsf; a}+s
tyf ljQ sDkgLn] klg o; ;'ljwf cGt{ut qmdzM ¿ ^( s/f]8 &) nfv / ¿ @ s/f]8
&) nfvsf] ;'ljwf pkof]u u/]sf 5g\ . To;}u/L, jfl0fHo a}+sx¿n] cfly{s jif{
@)^%÷^^ df s'n ¿ @(# ca{ $@ s/f]8sf] cGt/–a}+s sf/f]jf/ u/]sf]df cfly{s jif{
@)^^÷^& df pQm sf/f]jf/ s'n ¿ @^* ca{ *% s/f]8 /x]sf] 5 .
58. cfly{s jif{ @)^^÷^& df lghL If]qdf k|jflxt a}+s shf{nfO{ jfl~5t ;Ldfleq sfod
/fVg v'nf ahf/ sf/f]jf/nfO{ ;Gt'lnt tj/af6 ;+rfng ug'{sf cltl/Qm a}+sx¿n]
kf]6{kmf]lnof] ;+/rgfdf t/ntf Joj:yfkgnfO{ pRr / shf{ lj:tf/nfO{ sd k|fyldstf
lbpg eGg] p2]Zon] :yfoL t/ntf ;'ljwfsf] Aofhb/ u0fgf ug]{ ;fljssf] k|lqmofdf
a}+sb/nfO{ klg Pp6f cfwf/sf] ?kdf ;dfj]z u/L Go"gtd Jofhb/ (=% k|ltzteGbf
sd x'g g;Sg] Joj:yf ul/of] . To;}u/L, clws shf{ lj:tf/af6 ljQLo :yfloTjdf kg{
;Sg] hf]lvdnfO{ b[li6ut u/L shf{–lgIf]k -k|fylds k"FhL ;d]t_ cg'kft qmdzM 36fp+b}
nuL @)^( k';;Dddf *) k|ltzt sfod ug'{ kg]{ Joj:yf ul/of] .
59. ljQLo :yfloTjnfO{ ;'b[9 u/L a}+s tyf ljQLo If]qdf k|0ffnLut hf]lvd cfpg glbg
cfly{s jif{ @)^^÷^& df a}+s tyf ljQLo ;+:yfn] j}wflgs t/ntf, v'b t/ntf /
shf{–lgIf]k cg'kft sfod ug'{ kg]{ Joj:yf ul/Psf] 5 . To;}u/L, shf{sf] clws]lGb|t
hf]lvdnfO{ sd ug{ l/on :6]6 tyf 3/hUufdf /x]sf] nufgLnfO{ Ps lglZrt
;dofjlwleq tf]lsPsf] ;Ldfdf Nofpg' kg]{ Joj:yf ul/Psf] 5 . o; Joj:yfaf6
pTkfbgd"ns If]qtkm{ shf{ k|jfxnfO{ k|f]T;flxt ug{ ;xof]u ldNg'sf] ;fy} t/ntf tyf
df}lb|s Joj:yfkgdf ;d]t yk ;3fp k'u]sf] 5 .
cfly{s jif{ @)^&÷^* sf] df}lb|s gLlt tyf ljQLo If]q sfo{qmd
60. /fli6«o cy{tGqsf] kl/b[Zo / cGt/f{li6«o cfly{s hut\df ljsl;t 36gfqmdx¿n] g]kfnL
cy{tGqdf kfg{ ;Sg] k|efj ;d]tsf] ljZn]if0fsf] cfwf/df cfly{s jif{ @)^&÷^* sf]
df}lb|s gLltsf] sfo{lbzf, sfo{qmd / df}lb|s pks/0fsf] rog ul/Psf] 5 . ;dli6ut
cfly{s :yfloTj xfl;n ub}{ lqjifL{o of]hgfn] ck]Iff u/]sf] cfly{s j[l4b/ xfl;n ug{
6]jf k'¥ofpg] /0fgLlt df}lb|s gLltn] lnPsf] 5 .
df}lb|s gLltsf] sfo{lbzf
61. clxn] jfXo If]q :yfloTj df}lb|s gLltsf] k|d'v ;/f]sf/sf] ljifo ePsf] 5 . jfXo If]q
:yfloTjsf] kl/;"rssf] ?kdf /x]sf] zf]wgfGt/ l:ylt xfn 3f6fdf /x]sf] 5 . ljb]zL
14
ljlgdo ;l~rlt ;Gtf]ifhgs cj:yfdf /x]tfklg jfXo If]q :yfloTjdf s]xL hf]lvdx¿
oBlk ;lGglxt 5g\ . zf]wgfGt/ 3f6fsf] :t/df sdL cfp+b} uPklg nufgLsf]
jftfj/0fdf ck]lIft ;'wf/ cfpg g;s]sf] jt{dfg kl/l:yltdf cg'Tkfbs If]qtkm{ shf{
lj:tf/ x'g uPdf ljb]zL ljlgdo ;l~rltdf yk bjfj kg]{ ;Defjgf /xG5 . o;
tYonfO{ b[li6ut u/]/ df}lb|s gLlt th'{df ul/Psf] 5 .
62. df}lb|s tyf ;dli6ut cfly{s Joj:yfkgdf d"No j[l4 ljut s]xL jif{b]lv k|d'v
r'gf}tLsf] ¿kdf /xFb} cfPsf] 5 . g]kfndf dfq} geP/ vfBfGgsf] d"No j[l4 l5d]sL b]z
ef/t / cGo ljsf;zLn b]zx¿df klg k|d'v lrGtf / rf;f]sf] ljifo /x]sf] 5 .
cfk"lt{hGo cj/f]w / ;+/rgfut sf/0fn] l;lh{t d"No j[l4 lgoGq0fdf df}lb|s gLltsf]
k|of]u clxn] ;fj{hlgs ax;sf] ljifo ag]sf] 5 . g]kfn ;fgf] tyf v'nf cy{tGq / l:y/
ljlgdob/ k|0ffnL c+lusf/ u/]sf] d'n's ePsf]n] d"No j[l4 lgoGq0fdf df}lb|s gLltsf
;Ldfx¿ /x]klg cJofkfl/s j:t'x¿sf] d"Nodf df}lb|s lj:tf/sf] k|efjnfO{ OGsf/ ug{
;lsGg . o;y{, clws df}lb|s lj:tf/n] cJofkfl/s j:t' tyf ;]jfsf] dfu a9fO{ d"No
j[l4 u/fpg ;Sg]tkm{ ;r]t /xL df}lb|s gLlt th'{df ul/Psf] 5 .
63. ef/t tyf ljsl;t cy{tGqsf] t'ngfdf g]kfndf d'b|f:kmLltb/ km/s /xg uPdf g]kfnL
¿k}ofFsf] Jofkf/ efl/t oyfy{ k|efjsf/L ljlgdo b/ klg s]xL dfqfdf kl/jt{g x'g
;Sg] x'G5 . o;af6 Jofkf/sf] k|lt:kwL{ Ifdtfdf k|efj kg{ ;Sg] ePsf]n] afXo If]q
:yfloTjsf nflu oyfy{ k|efjsf/L ljlgdo b/ t6:y agfO{ /fVg g]kfn /fi6« a}+sn]
o;sf] lgoldt cg'udg u/L df}lb|s Joj:yfkg ug]{5 .
64. ljQLo :yfloTj sfod ug]{ sfo{ s]Gb|Lo a}+sx¿sf] ;/f]sf/sf] ljifo /xFb} cfPsf]df ljZj
ljQLo ;+s6 kl5 s]Gb|Lo a}+sx¿sf] nflu of] ljifo k|d'v gLltut rf;f]sf] ?kdf cufl8
cfPsf] 5 . o;} tYonfO{ b[li6ut u/L o; a}+sn] ljQLo :yfloTjnfO{ klg df}lb|s
gLltsf] Ps k|d'v p2]Zosf] ?kdf c+lusf/ u/]sf] 5 . ljQLo ;+:yfx¿df b]lvPsf
sdhf]/Lx¿nfO{ ;dod} ;Daf]wg ug{ k"j{ ;r]ttf k|0ffnL, lz3| ;'wf/fTds sf/jfxL,
u|fxs klxrfg gLlt / hf]lvddf cfwfl/t ;'kl/j]If0f k|0ffnL nfu" ul/Psf]df ljQLo
:yfloTj sfod ug]{ sfo{nfO{ yk ;'b[9Ls/0f ug{ s]xL lglZrt kl/;"rsx¿sf] cfwf/df
a}+s tyf ljQLo ;+:yfx¿sf] bjfj k/LIf0f (Stress Test) ug]{ / cfsl:ds of]hgf
(Contingency Plan) agfpg] sfo{nfO{ cufl8 a9fpg' h?/L 5 . ;fy}, a}+s tyf
ljQLo ;+:yfx¿sf] ljQLo IfdtfnfO{ ;'b[9 agfO{ /fVg k"FhL kof{Kttf cg'kft, clgjfo{
gub cg'kft, j}wflgs t/ntf cg'kft, v'b t/ntf cg'kft, shf{–lgIf]k cg'kft /
If]qut shf{ ;LdfnfO{ k|efjsf/L ¿kdf sfof{Gjog ug{ klg df}lb|s gLltn] pNn]Vo
e"ldsf lgjf{x ug'{ kg]{5 .
65. xfn a}+lsË shf{sf] lj:tf/ jfl~5t :t/df /x]sf] ePklg shf{sf] If]qut ljt/0f eg]
;Gtf]ifhgs /xg ;s]sf] 5}g . pTkfbgd"ns If]qtkm{sf] shf{ v'lDrb} hfg' / cg'Tkfbs
If]qtkm{sf] shf{ nufgL lj:tf/ x'Fb} hfg] cj:yf ljQLo tyf ;dli6ut cfly{s
:yfloTjsf] b[li6n] hf]lvdk"0f{ x'g] x'Fbf To:tf If]qtkm{sf] nufgLnfO{ lg?T;flxt ub}{
pTkfbgd"ns If]qtkm{ shf{ k|jfx a9fpg df}lb|s Joj:yfkg /0fgLlt, pks/0f 5gf}6 /
kl/rfng klg ;f]xL cg'?k x'g] u/L s]lGb|t ug'{ kg{] x'G5 . o;sf] nflu df}lb|s gLltsf]
sfo{lbzf to ubf{ df}lb|s ;xhtfsf] ;fdfGo pks/0fx¿df (General Instruments)
15
eGbf klg If]qut shf{d'vL pks/0fx¿df hf]8 lbg cfjZos 5 . o;} cjwf/0ff cg'?k
tf]lsPsf pTkfbgd"ns If]qdf shf{ k|jfxnfO{ ;xh agfpg k'g/shf{df lj:tf/ ug'{sf]
cltl/Qm g}lts bjfj (Moral Suasion) dfkm{t klg shf{ k|jfxnfO{ lglb{i6 ug]{ gLlt
lnOPsf] 5 .
66. df}lb|s gLltnfO{ Jofhb/ Joj:yfkgdf klg s]lGb|t ug'{ kg]{ 68\sf/f] cfjZostf
b]lvPsf] 5 . Go"g Jofhb/sf] l:yltdf cg'Tkfbs tyf hf]lvdk"0f{ If]qdf shf{sf] dfu
a9\g uO{ ;f]sf] u'0f:t/df x|f; cfPdf cfly{s tyf ljQLo ;Gt'ngdf k|lts"n k|efj kg{
;Sg] ;Defjgf /xG5 . a}+s tyf ljQLo ;+:yfn] cfjlws lgIf]kdf k|bfg ug]{ Jofhb/
d'b|f:kmLltb/ eGbf Hofb} Go"g /x]df cgf}krfl/s If]qtkm{ ljQLo ;fwg k|jflxt x'g uO{
cg'Tkfbs If]qtkm{ To;sf] pkof]unfO{ k|f]T;fxg ldNg ;Sb5 . o;y{, ;j{;fw/0f;Fu
5l/P/ /x]sf] ljQLo ;fwgnfO{ a}+lsË k|0ffnLdf cfslif{t ug{ tyf cg'Tkfbs If]qdf x'g]
nufgL / pkef]unfO{ lg?T;flxt ug{ lgIf]ksf] oyfy{ Jofhb/ ;sf/fTds x'g' cfjZos
5 . ;fy}, g]kfnaf6 l5d]sL d'n'sdf x'g ;Sg] k"FhL knfognfO{ lg?T;flxt ug{ klg
Jofhb/ l5d]sL d'n'ssf] Jofhb/;Fu k|lt:kwL{ x'g' h?/L 5 . o; kIfnfO{ klg b[li6ut
u/L df}lb|s gLlt to ul/Psf] 5 .
67. cfly{s pbf/Ls/0f gLltsf] cjnDag;Fu} lghL If]qsf] ;xeflutfdf a}+s tyf ljQLo
;+:yfx¿ :yfkgf x'g] sfo{n] tLj|tf kfPsf] / a}+s tyf ljQLo ;+:yfx¿sf] pkl:yltdf
cfPsf] tLj| lj:tf/n] ljQLo ahf/ ;+oGq k|uf9 x'g uO{ ljQLo ;fwg kl/rfng /
ljQLo ;]jf lj:tf/df k|lt:kwf{ a9\b} uPsf] ePklg lgIf]k tyf shf{sf] Jofhb/aLrsf]
cGt/df eg] ck]Iffs[t sdL cfpg ;]s]sf] 5}g . cfly{s jif{ @)^^÷^& sf] k|yd tLg
qodf;df jfl0fHo a}+sx¿sf] cf};t Jofhb/ cGt/ $=# k|ltzt /x]sf] b]lvPsf] 5 .
ljQLo ;fwg kl/rfngdf s'zntf clej[l4 u/L lgIf]k tyf shf{sf] Jofhb/aLrsf]
cGt/df sdL Nofpg Jofhb/ cGt/sf] lgoldt cg'udg u/L cf};t eGbf a9L Jofhb/
cGt/ /x]sf a}+s tyf ljQLo ;+:yfx¿nfO{ pQm cGt/ qmdzM 36fpb} nUg]tkm{ clek|]l/t
ug{sf] nflu cGo pkfox¿sf cltl/Qm k'g/shf{ ;'ljwf pknJw u/fpFbf Jofhb/
cGt/nfO{ klg Wofg lbOg]5 . o;af6 Jofhb/ cGt/df sdL cfO{ artstf{ /
nufgLstf{ b'a}nfO{ kmfObf k'Ug] ljZjf; lnOPsf] 5 .
cfly{s tyf df}lb|s nIo
68. Jofkf/ tyf zf]wgfGt/ 3f6fsf] sf/0f ljb]zL ljlgdo ;l~rltdf bjfj kl//x]sf] jt{dfg
kl/l:yltdf cfly{s jif{ @)^&÷^* sf] df}lb|s gLltsf] k|d'v nIo zf]wgfGt/ art
xfl;n u/L ljb]zL ljlgdo ;l~rlt ;'ljwfhgs l:yltdf sfod /fVg] /x]sf] 5 . ljb]zL
d'b|f cfh{g ug]{ ;|f]tx¿nfO{ b[li6ut u/L cfly{s jif{ @)^&÷^* sf] nflu slDtdf ^
dlxgfsf] j:t' tyf ;]jf cfoft wfGg ;Sg] u/L ljb]zL ljlgdo ;l~rltsf] nIo
lgwf{/0f ul/Psf] 5 . cfoft / ljb]zL ljlgdo cfh{gsf ;|f]tx¿sf] ljBdfg k|j[lQnfO{
b[li6ut ubf{ ljb]zL ljlgdo ;l~rltsf] pQm nIo xfl;n ug{ cfly{s jif{ @)^&÷^*
sf] nflu ¿ ( ca{sf] xf/fxf/Ldf zf]wgfGt/ art sfod ug]{ nIo lgwf{/0f ul/Psf] 5 .
69. ljb]zL ljlgdo ;l~rltdf bjfj kl//x]sf] jt{dfg kl/l:yltdf ljb]zL d'b|f cfh{gsf
;|f]tx¿dWo] ljk|]if0fsf cltl/Qm j}b]lzs ;xof]u kl/rfngdf klg hf]8 lbg' cfjZos
16
5 . o;sf nflu df}lb|s gLlt / ljQ gLlt b'a}sf] e"ldsf dxTjk"0f{ x'g]5 . j}b]lzs
nufgLsf nflu cg's"n jftfj/0f ;[hgf ug{ klg ljb]zL d'b|f cfh{g / ;l~rlt j[l4
ckl/xfo{ 5 .
70. cfly{s jif{ @)^&÷^* sf] df}lb|s gLltsf] csf]{ k|d'v nIo d'b|f:kmLltsf/L ck]Iffdf
c+s'z nufpg] /xsf] 5 . d"No j[l4df vfBhGo j:t'x¿sf] cxd\ e"ldsf /x]sf]n] s[lif
If]qsf] pTkfbg ;Gtf]ifk|b gePdf, k]6«f]lnod kbfy{sf] d"No lg/Gt/ al9/x]df tyf
;LdfjtL{ If]qdf d"No j[l4 pRr /lx/x]df d"No j[l4nfO{ Psn cÍdf /fVg] sfo{ eg]
r'gf}tLk"0f{ x'g] b]lvG5 . tyfkL cfGtl/s ljt/0f k|0ffnL / >d ;DjGw ;'wf/ eO{
cf}Bf]lus ultljlw lj:tfl/t ePdf cfly{s jif{ @)^&÷^* df jflif{s cf};t d'b|f:kmLlt
& k|ltzt /xg] k|If]k0f 5 . o; k|If]k0fdf ;/sf/L ;+:yfgx¿sf] j:t' / ;]jfsf] d"Nodf
ul/g] ;dfof]hgaf6 ;du| d"Nodf kg{ ;Sg] c;/nfO{ ;dfj]z ul/Psf] 5}g . df}lb|s
lj:tf/af6 d"Nodf rfk kg{ glbg eg] df}lb|s tyf shf{ of]ufÍx¿sf] j[l4nfO{
;Gt'ngdf /flvg]5 .
71. rfn" lqjifL{o of]hgfsf] cjwf/0ffkqdf pNn]lvt %=% k|ltztsf] jflif{s cf};t cfly{s
j[l4b/sf] nIo d'VotM s[lif If]qsf] of]ubfg, lghL If]qsf] nufgL j[l4 / g]kfn ;/sf/sf]
k"FhLut vr{df lge{/ /xg] b]lvG5 . jif]{afnLsf] nflu cfjZos dg;'g ;dod} z'?
gePsf]n] d'Vo afnL wfgsf] pTkfbgdf gsf/fTds c;/ kg{ ;Sg] b]lvPsf] 5 . o;y{,
ljlgof]lht k"FhLut vr{ x'g ;s]df tyf lghL If]qsf] cfly{s ultljlwdf ck]lIft ;'wf/
cfPdf dfq pNn]lvt cfly{s j[l4b/ ;Dej b]lvG5 . ;f] cfly{s j[l4b/ xfl;n ug{
;xhtf k|bfg ug{ cfjZos kg]{ shf{ / df}lb|s t/ntfsf] Joj:yfkg df}lb|s gLltsf]
cGtlg{lxt nIo /xg]5 .
72. df}lb|s gLltsf] cGtl/d nIosf] ?kdf lnOPsf] lj:t[t d'b|f k|bfosf] j[l4b/ cfly{s jif{
@)^&÷^* df !% k|ltzt /xg] k|If]k0f 5 . cfly{s j[l4 %=% k|ltzt xfl;n ug]{,
d'b|f:kmLltnfO{ & k|ltztdf ;Lldt /fVg] tyf e'QmfgL ;Gt'ngdf ;'wf/ u/L ¿ ( ca{sf]
zf]wgfGt/ art xfl;n ug]{ nIosf cfwf/df df}lb|s k|If]k0f ul/Psf] 5 . cfly{s
j[l4nfO{ cfjZos kg]{ df}lb|s t/ntfsf] Joj:yfkg ubf{ cfGtl/s shf{ lj:tf/n] v'b
j}b]lzs ;DklQdf kfg{ ;Sg] rfktkm{ eg] a}+s ;r]t /x]sf] 5 .
73. cfly{s jif{ @)^&÷^* df s'n cfGtl/s shf{ !% k|ltztn] j[l4 x'g] k|If]k0f 5 . s'n
cfGtl/s a}+s shf{dWo] jfl0fHo a}+sx¿af6 lghL If]qdf k|jfx x'g] shf{sf] j[l4b/
cl3Nnf] jif{sf] !&=* k|ltztsf] cg'dfgsf] t'ngfdf cfly{s jif{ @)^&÷^* df !^=$
k|ltzt /xg] k|If]k0f 5 . ;/sf/tkm{ k|jfx x'g] shf{sf] j[l4b/ eg] cfly{s jif{
@)^^÷^& eGbf Go"g /xg] cg'dfg ul/Psf] 5 . cfly{s jif{ @)^&÷^* df pNn]Vo
kl/df0fdf ljb]zL ;xfotfsf] k|ltj4tf k|fKt ePsf] / ;/sf/n] p7fpg] cfGtl/s C0fsf]
7"nf] lx:;f u}/–a}+lsË If]qaf6 p7fpg ;Sg] cj:yf /x]sf]n] ;/sf/nfO{ hfg] a}+lsË
shf{sf] j[l4b/df s]xL sd cg'dfg /flvPsf] xf] . lghL If]qtkm{ hfg] shf{sf] k|jfx klg
cg'Tkfbs j:t' cfoft / pkef]uaf6 pTkfbgzLn If]qtkm{ pTk|]l/t ubf{ ;f] shf{ lj:tf/
cfly{s j[l4sf] nIonfO{ xfl;n ug{ kof{Kt x'g] cg'dfg 5 .
17
74. nlIft cfly{s j[l4b/, zf]wgfGt/ art / Jofhb/ j[l4sf] ljBdfg k|j[lQaf6 lgIf]k
kl/rfngdf kg]{ ;sf/fTds k|efj ;d]tsf] cfwf/df cfly{s jif{ @)^&÷^* df jfl0fHo
a}+sx¿sf] s'n lgIf]k kl/rfng !% k|ltzt cyf{t ¿ (@ ca{n] j[l4 eO{ s'n ¿ &)(
ca{ k'Ug] k|If]k0f ul/Psf] 5 eg] a}+sx¿af6 lghL If]qdf hfg] shf{ !^=$ k|ltztn]
a9\bf klg shf{–lgIf]k cg'kft eg] tf]lsPsf] ;Ldf -*% k|ltzt_ leq} sfod /xg]5 .
df}lb|s gLlt ;+rfng tyf pks/0f
75. df}lb|s gLltsf] k|d'v pks/0fsf] ¿kdf v'nf ahf/ sf/f]af/nfO{ lnOg] 5 .
cfjZostfcg';f/ ;f]em} vl/b af]nsaf]n (Outright Purchase Auction) tyf l/kf]
af]nsaf]n / ;f]em} laqmL af]nsaf]n (Outright Sale Auction) tyf l/e;{ l/kf]
af]nsaf]n h:tf v'nf ahf/ pks/0fx¿sf] dfWodaf6 t/ntf k|jfx / k|zf]rg u/L
df}lb|s Joj:yfkg ul/g]5 . df}lb|s Joj:yfkgdf jfl0fHo a}+ssf ;fy} ævÆ / æuÆ
ju{sf ljQLo ;+:yfx¿nfO{ df}lb|s gLlt ;+rfngsf] ;dsIfLsf] ?kdf lnOg] Joj:yfnfO{
lg/Gt/tf lbOPsf] 5 . l/kf] tyf l/e;{ l/kf] af]nsaf]nsf] clwstd $% lbgsf]
cjlwnfO{ oyfjt\ sfod ul/Psf] 5 .
76. cfjZostf cg';f/ v'nf ahf/ sf/f]af/ o; a}+ssf] kxndf s'g} klg sfo{ lbgdf ul/g]
5 . t/, clGtd C0fbftfsf] ;'ljwf / jfl0fHo a}+sx¿sf] gub Joj:yfkgsf nflu v'nf
ahf/ sf/f]af/ ;+rfng ul/g] 5}g . o; a}+sn] v'nf ahf/ sf/f]af/sf] nflu kxn ubf{
df}lb|s gLltsf p2]Zox¿sf] cj:yf / t/ntf cg'udg tyf k|If]k0f ;+/rgfn] OlËt ug]{
kl/df0fnfO{ d'Vo cfwf/sf] ¿kdf lnOg]5 .
77. jfl0fHo a}+sx¿;Fusf] clgjfo{ gub cg'kft afx]ssf] clws t/ntfnfO{ df}lb|s gLltsf]
;+rfng nIosf] ¿kdf lnOg] Joj:yfnfO{ cfly{s jif{ @)^&÷^* df klg oyfjt\ sfod
ul/Psf] 5 . t/ntf cg'udg tyf k|If]k0f ;+/rgfsf] dfWodaf6 jfl0fHo a}+sx¿;Fusf]
clws t/ntfsf] k|If]k0f ug]{ sfo{nfO{ lg/Gt/tf lbOg]5 . o;sf ;fy} jfl0fHo
a}+sx?af6 lgIf]k, shf{ tyf gub df}Hbft ;DaGwL ljj/0f b}lgs ?kdf ;+sng u/L
t/ntf l:yltsf] cg'udg ug]{ Joj:yfnfO{ ;d]t rfn" cfly{s jif{df lg/Gt/tf lbOg]5 .
78. d'b|f:kmLlt tyf zf]wgfGt/ 3f6f / ljQLo :yfloTjnfO{ b[li6ut u/L s'n :jb]zL
lgIf]ksf] cfwf/df sfod ug'{ kg]{ clgjfo{ gub cg'kftnfO{ ljBdfg %=% k|ltztdf
oyfjt} sfod ul/Psf] 5 . ljBdfg Jofhb/ ;+/rgf / df}lb|s gLltsf] sfo{lbzfsf]
;+s]tsf] ?kdf x]l/g] a}+s b/nfO{ eg] ^=% k|ltztaf6 a9fP/ & k|ltzt sfod ul/Psf]
5 . a}+sb/ / ;fwf/0f k'g/shf{ b/nfO{ PsLs[t ul/Psf] 5 .
79. ljQLo :yfloTj sfod ug{ tyf t/ntf Joj:yfkgsf] nflu cfly{s jif{ @)^^÷^& b]lv
nfu" ul/Psf] j}wflgs t/ntf cg'kft ;DaGwL Joj:yfnfO{ k'g/fjnf]sg u/L jfl0fHo
a}+ssf] xsdf !% k|ltzt, ljsf; a}+ssf] xsdf !! k|ltzt, ljQ sDkgLsf] xsdf !)
k|ltzt / rNtL vftf vf]Ng :jLs[t glnPsf ljQ sDkgLsf] xsdf ^ k|ltzt sfod
ug'{ kg]{ Joj:yf ul/Psf] 5 . æ3Æ ju{sf ljQLo ;+:yfx¿nfO{ klg lgIf]k kl/rfng ug]{
:jLs[lt lbOPsf] k[i7e"lddf lgIf]k kl/rfng z'? ul/;s]sf ;+:yfx¿n] $ k|ltzt
j}wflgs t/ntf cg'kft sfod ug'{ kg]{ Joj:yf ul/Psf] 5 . a}+s tyf ljQLo
;+:yfx¿n] g]kfn ;/sf/sf] C0fkqdf u/]sf] nufgL, 9's'6Ldf /x]sf] gub df}Hbft,
18
clgjfo{ gub df}Hbft / ;f] eGbf dflysf] /sdnfO{ o; k|of]hgsf] nflu u0fgf ug{
kfpg] Joj:yf ul/Psf] 5 . t/, o;dWo] jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLn] %=%
k|ltzt / rNtL vftf vf]Ng :jLs[t glnPsf ljQ sDkgLx¿n] @ k|ltzt clgjfo{ gub
cg'kft eg] clgjfo{ ?kdf sfod ug'{ kg]{5 . To:t}, ;j{;fwf/0faf6 lgIf]k kl/rfng
ug]{ æ3Æ ju{sf ljQLo ;+:yfx¿n] klg @ k|ltzt clgjfo{ gub cg'kft sfod ug'{
kg]{5 .
80. a}+s tyf ljQLo ;+:yfx¿sf] kxndf o; a}+saf6 :jtM pknAw x'g] :yfoL t/ntf
;'ljwfsf] Jofhb/ u0fgf ;DaGwL ljBdfg Joj:yfdf kl/jt{g u/L pQm ;'ljwfsf]
Jofhb/ lgwf{/0f ubf{ kl5Nnf] (!–lbg] 6«]h/L ljnsf] efl/t cf};t Jofhb/ jf k|rlnt
a}+sb/ h'g clwstd 5 To;}df # k|ltzt k]gfn b/ hf]8L sfod ug]{ Joj:yf ul/Psf]
5 . o; ;'ljwf ;DaGwL cGo k|lqmofut Joj:yfnfO{ oyfjt sfod ul/Psf] 5 .
81. cfly{s tyf ljQLo :yfloTjsf] nflu cg'Tkfbs If]qtkm{sf] shf{nfO{ Go"gLs/0f ub}{
pTkfbgd"ns If]qtkm{ shf{ k|jflxt x'g h¿/L 5 . o; p2]Zosf nflu o; a}+sn]
tf]lsPsf pTkfbgd"ns If]qx¿df shf{sf] sdL x'g glbg k'g/shf{ Joj:yf ul/;s]sf]
5 . lgof{t k|j4{g x'g], cfoft k|lt:yfkg ug]{ tyf phf{ / ko{6g If]qdf shf{sf] sdL
x'g glbg o; a}+sn] pQm If]qx¿df ;DalGwt If]qs} c;n shf{sf] lwtf]df jfl0fHo a}+s
tyf ljQLo ;+:yfx¿nfO{ &=% k||ltzt Jofhb/df pknJw u/fpb} cfPsf] k'g/shf{
;'ljwfnfO{ k|rlnt a}+s b/ -& k|ltzt_ d} pknAw u/fpg] Joj:yf ul/Psf] 5 . jfl0fHo
a}+s tyf ljQLo ;+:yfx¿n] ;DalGwt C0fLnfO{ o:tf] k'g/shf{df !) k|ltzt eGbf a9L
Jofhb/ tf]Sg gkfpg] Joj:yf ul/Psf] 5 . To:t}, k'g/shf{ k|bfg ug]{ k|s[ofnfO{ yk
;/nLs/0f ul/Psf] 5 .
82. pTkfbgzLn / vf;u/L s[lif, phf{, ko{6g, 3/]n' tyf ;fgf pBf]utkm{ kof{Kt nufgL
;'lglZrt ug{ jfl0fHo a}+sx¿af6 tL If]qx¿df shf{ nufgL a9fpg clek|]l/t ug]{ gLlt
lnOg] 5 . o; k|of]hgsf] nflu ;DalGwt a}+sx¿nfO{ #–jif{leq tL If]qx¿df cf};t
shf{ k|jfx bf]Aa/ ug]{ sfo{of]hgf tof/ u/L k]z ug{ nufO{ ;f]xL cfwf/df cg'udg /
cfjZos lgb]{zg hf/L ul/g]5 . xfn;Dd oL If]qx¿df cf};t eGbf sd shf{ nufgL
u/]sf a}+s tyf ljQLo ;+:yfx¿n] cltl/Qm nufgLsf] sfo{of]hgf agfO{ sfof{Gjog ug]{
Joj:yf ldnfOg]5 .
83. a}+s tyf ljQLo ;+:yfx¿af6 shf{–lgIf]k cg'kftsf sf/0f pTkfbgzLn If]qtkm{ yk
shf{ k|jfx ug{ ;Sg] l:ylt gb]lvPdf shf{sf] If]qut ljt/0fsf] cWoog /
pTkfbgd"ns If]q ;DjGwL ljBdfg kl/efiffnfO{ k'g/fjnf]sg u/L To; If]qtkm{ shf{
lj:tf/ ug{ ;xh x'g] Joj:yf ul/g]5 .
84. o; a}+saf6 lgof{t pBf]u, ¿U0f pBf]u, ;fgf tyf 3/]n' pBf]u / j}b]lzs /f]huf/Lsf]
nflu tf]lsPsf ju{sf dflg;x¿nfO{ k|jfx x'g] shf{sf] k'g/shf{b/ qmdzM !=% k|ltzt,
!=% k|ltzt, @=% k|ltzt / !=% k|ltzt /x]sf]df ;a}nfO{ !=% k|ltztsf] ljz]if
k'g/shf{ b/ sfod ul/Psf] 5 . of] ;'ljwf pkof]u ubf{ jfl0fHo a}+s tyf ljQLo
;+:yfn] ;DalGwt u|fxsaf6 $=% k|ltzteGbf a9L Aofh lng gkfpg] Joj:yf ul/Psf]
5 . jfl0fHo a}+sx¿nfO{ ljb]zL d'b|fdf pknAw u/fOg] lgof{t k'g/shf{sf] Aofhb/
19
k|rlnt nfOjf]/ b/ (LIBOR Rate) df )=@% k|ltzt ljGb' yk u/L lgwf{/0f ul/g]
Joj:yfnfO{ eg] oyfjt sfod ul/Psf] 5 .
85. cfly{s jif{ @)%*÷%( b]lv z'¿ ul/Psf] ¿U0f pBf]u k'g/shf{ ;'ljwfnfO{ cfly{s jif{
@)^&÷^* df klg lg/Gt/tf lbO{ cfly{s jif{ @)^&÷^* sf] nflu ;fljssf] zt{
cg';f/ ¿U0f pBf]u k'gs{hf{ ;'ljwf pknJw u/fpg] Joj:yfnfO{ oyfjt sfod ul/Psf]
5.
86. s[lif pkhsf] ?kdf pTkfbg x'g] k'ik tyf k'ikhGo j:t'sf] lgsf;LnfO{ k|f]T;flxt ug{
o:tf j:t' pTkfbg ug]{ / lgof{tof]Uo j:t' pTkfbg ug]{ 3/]n' tyf ;fgf pBf]unfO{
;d]t lgof{t k'g/shf{ ;'ljwf pknAw u/fpg] Joj:yf ul/Psf] 5 .
ljQLo If]q ;'wf/, lgodg tyf ;'kl/j]If0f
87. ljut s]xL jif{b]lv sfof{Gjogdf cfO{/x]sf] ljQLo If]q ;'wf/ sfo{qmdnfO{ cfly{s jif{
@)^&÷^* df klg lg/Gt/tf lbOg]5 . ljQLo If]q ;'wf/ sfo{qmd cGt{ut ;+rfng
ul/Psf] g]kfn a}+s ln= / /fli6«o jfl0fHo a}+s ln= sf] k'g/;+/rgf, g]kfn /fi6« a}+ssf]
l/–O{l~hlgol/Ë / ljQLo If]qsf] Ifdtf clej[l4 sfo{qmdx¿ sfof{Gjog ub}{ nlug]5 .
88. a}+lsË If]qdf k|rlnt cGt/fli6«o ;'kl/j]IfsLo dfGotfx¿ qmdzM nfu" ub{} hfg]
;Gbe{df k"FhLsf]if ;DjGwL gof‘ dfkb08–jf;]n l4lto (BASEL II) tof/ u/L æsÆ
ju{sf Ohfht k|fKt ;+:yfsf] xsdf cfly{s jif{ @)^%÷^^ b]lv k"0f{?kdf sfof{Gjogdf
NofOPsf] 5 . gofF dfkb08 adf]lhd æsÆ ju{sf a}+sx?sf] k"FhLsf]if hf]lvd efl/t
;DklQsf] !) k|ltzt / k|fylds k"FhL cg'kft ^ k|ltzt tyf ljQLo ;+:yfx¿sf]
kF"hLsf]if hf]lvd efl/t ;Dkltsf] !! k|ltzt / k|fylds k"FhL cg'kft %=% k|ltzt
sfod ug{'kg]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 . k"FhLsf]if ;DaGwL gofF dfkb08
cGtu{t Simplified Standardized Approach æsÆ ju{sf jfl0fHo a}+sx?df nfu"
eO;s]sf] / cGo ljQLo ;+:yfx?df ;d]t pQm dfkb08 cg'?k hf]lvdsf cfwf/df
k"FhLsf]if nufot cGo kIfsf] kof{Kttf dfkg ub}{ n}hfg' kg]{ cfjZostf b]lvPsf]n]
cfly{s jif{ @)^&÷^* b]lv /fli6«o :t/sf ljsf; a}+sx¿n] klg ;dfgfGt/ ?kdf pQm
dfkb08n] lglb{i6 u/] adf]lhd k"F"hLsf]if kof{Kttf dfkg ug]{ k4lt cjnDag ug'{kg]{
Joj:yf ul/g]5 .
89. ljQLo If]qdf a9\b} uPsf] k|lt:kwf{ Pj+ gof‘ ljQLo pks/0f Pj+ ;]jfx¿sf] tLj| ultdf
lj:tf/ eO/x]sf] kl/k|]Iodf k/Dk/fut lg/LIf0f tyf ;'kl/j]If0f ljlw k|efjsf/L gx'g]
x'Fbf cfufdL jif{x¿df a}+sx¿nfO{ hf]lvdsf cfwf/df lg/LIf0f ul/g] ljlw of]hgfa4
?kdf qmdzM nfu" ul/g]5 . ;fy}, a}+lsË If]qdf ljBdfg ljleGg hf]lvdx¿sf] klxrfg,
dfkg / Joj:yfkg ug{ hf]lvd Joj:yfkg lgb]{lzsf th'{df u/L sfof{Gjogdf
NofOg]5 . o;af6 a}+sx¿nfO{ hf]lvd Joj:yfkgsf] Go"gtd cfwf/ k|fKt x'g]5 .
90. hf]lvddf cfwfl/t ;'kl/j]If0f k4ltnfO{ yk k|efjsf/L agfpg :ynut tyf u}/–
:ynut lg/LIf0fsf] ljBdfg 9f+rfdf k'g/fjnf]sg Pj+ kl/dfh{g ul/g]5 . u}/–:ynut
;'kl/j]IfsLo Ifdtf clej[l4 ub{} n}hfg] p2]Zo cg'?k ljBdfg k"j{ ;r]ttf k|0ffnL
(Early Warning System) nfO{ cem} a9L k|efjsf/L agfp+b} nlug] 5 . a}+ssf 7"nf
20
zfvfx¿sf]] ;'kl/j]If0f sfo{nfO{ ;3fp k'¥ofpg zfvf n]vfk/LIf0f ;DaGwL cjwf/0ffkq

tof/ ul/;lsPsf] 5 . pQm cjwf/0ffnfO{ sfof{Gjogdf NofO{ ;'kl/j]If0f sfo{nfO{ yk
k|efjsf/L agfpg jfXo If]qsf ljif]z1x¿sf] ;]jf ;d]t lnOg]5 .
91. cy{tGqdf cfpg] ptf/r9fjn] a}+sx?sf] ljQLo :jf:Yodf kfg{ ;Sg] ;Defljt
k|efjtkm{ g]kfn /fi6« a}+s ;hu (Proactive) /xg] 5 . o; sfo{sf nflu bjfj k/LIf0f
(Stress Testing) k|0ffnLsf] ljsf; ug]{ sfo{nfO{ k|f]T;fxg ul/g] 5 . bjfj k/LIf0f
ljlwsf] cWoog tyf k|of]u ug{sf nflu Ps :yfoL k|s[ltsf] sfo{bn u7g eO;s]sf]
;Gbe{df cfly{s jif{ @)^&÷^* ;Dddf a}+sx? :jo+n] cfˆgf] bjfj k/LIf0f ug{ ;Sg]
u/L cfjZos Joj:yf ldnfOg] 5 . ;fy}, a}+s tyf ljQLo If]qdf s'g} klg ;d:ofx¿sf]
cWoog, ljZn]if0f tyf ;d:of ;dfwfgsf nflu tTsfn lng' kg]{ sbdx¿sf nflu
cufl8 a9fOPsf] cfsl:ds of]hgf (Contingency Plan) tof/ ug]{ sfo{nfO{ ;DkGg
ul/g]5 . o;af6 a}+sx¿sf] ;Defljt hf]lvd klxrfg tyf Joj:yfkg k|0ffnL ljsf;
u/L ljQLo k|0ffnLdf cke{m6 cfpg ;Sg] ;+s6nfO{ ;dod} ;Djf]wg ug{ ;xof]u
k'Ug]5 . ;fy}, hf]lvd klxrfg, ljQLo k|lt:kwf{ / ljQLo :jf:Yo ;DaGwL hfgsf/L
clej[l4df ;xof]u k'¥ofpg ;fv d"NofÍg ;+:yf :yfkgf ug]{ sfo{nfO{ k|f]T;flxt
ul/g]5 .
92. lg/LIf0f tyf ;'k/Lj]If0fsf] qmddf b]lvPsf sdL sdhf]/LnfO{ t'?Gt ;'wf/ u/L ljQLo
k|0ffnLk|lt ;j{;fwf/0fsf] ljZj;gLotf lg/Gt/ sfod /fVg cfly{s jif{ @)^%.^^ b]lv
NofOPsf] zL3| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL, @)^$ sf] sfof{Gjog Pj+
cg'udgsf] k|lqmofnfO{ yk k|efjsf/L agfpFb} nlug] 5 . ;fy}, g]kfn /fi6« a}+ssf]
;'kl/j]IfsLo bIftf / Ifdtf clej[låsf nflu a}+s ;'kl/j]If0f ljefu tyf ljQLo ;+:yf
;'kl/j]If0f ljefusf] ;+/rgf, clVtof/ k|Tofof]hg tyf pQ/bfloTj axg ;DaGwL
ljBdfg Joj:yfnfO{ k'g/fjnf]sg u/L cem :ki6 / dfkgof]Uo agfOg]5 .
93. ljQLo cg'zf;g k|j4{gsf nflu ;+:yfut ;'zf;g, lgb]{zgsf] kfngf tyf ;+:yf
cg'udg ;DaGwL Joj:yfnfO{ cem k|efjsf/L ?kdf sfof{Gjog ul/g]5 . To;}u/L a}+s
tyf ljQLo ;+:yfx¿n] ug]{ k"FhLut vr{ / cGo d;nGb vr{df kf/blz{tf, ldtJolotf
ckgfPsf] 5÷5}g egL nË kmd{ cl86 k|ltj]bgdf pNn]v u/L jfXo n]vfk/LIfsaf6
tof/ ul/g] k|ltj]bgdf ;d]t pNn]v ug]{ Joj:yf ldnfOg] 5 . ;fy}, a}+s tyf ljQLo
;+:yfsf ;+rfns, k|d'v sfo{sf/L clws[t tyf pRr kb:y sd{rf/Lsf] ;]jf–;'ljwfnfO{
d'n'ssf] ljQLo k|0ffnLn] wfGg] / u|fXo x'g] u/L Jojl:yt ug{ tyf To:tf] ;'ljwfnfO{
k"0f{ kf/bzL{ t'Nofpg cfjZos Joj:yf ul/g]5 .
94. a}+s tyf ljQLo ;+:yfx?sf] ;+VofTds a[l4;Fu} Pp6} u|fxsn] PseGbf a9L ljQLo
;+:yfx¿;Fu ug]{ a}+lsË -shf{_ sf/f]jf/ ;d]t a[l4 eO/x]sf] 5 . o:tf] sf/f]jf/
u/]÷gu/]sf] ;DaGwdf hfgsf/L lng u|fxs klxrfg Joj:yf (Know Your
Consumer-KYC) cGtu{t ax'–a}+lsË 3f]if0ff u/fpg' kg]{ Joj:yf ul/Psf] ePtfklg
a9\bf] k|lt:kwf{sf] sf/0fn] ;f]sf] k|efjsf/L sfof{Gjogdf ;d:of /xb} cfPsf] cj:yf
5 . o; k|sf/sf] cEof;af6 k|0ffnLut hf]lvd a9\g hfg] b]lvPsf]n] o; ;DaGwL
cg'udgnfO{ yk k|efjsf/L agfpFb} ax'–a}+lsËnfO{ lg?T;flxt ul/g]5 .
21
95. a}+s tyf ljQLo ;+:yfsf] u|fxsx¿sf] lxt ;+/If0fnfO{ Wofgdf /fvL lgIf]kdf lbOg]
Jofh, C0fLaf6 c;'n ug]{ Jofh, xh{gf Jofh, Joj:yfkg z'Ns, ;]jf z'Ns nufotsf
z'Nssf af/]df :ki6, ;/n / a'em\g ;lsg] u/L ;"rgf tyf hfgsf/L k|bfg ug'{ kg]{
Joj:yfnfO{ yk k|efjsf/L agfOg]5 . o;af6 ;DalGwt C0fL]n] cb[Zo nfutsf]
Jooef/df kg'{ kg]{ cj:yfsf] cGTo x'g] ljZjf; ul/Psf] 5 . ;fy}, ;DalGwt C0fL tyf
lwtf]÷hdfgt lbg] kIfn] kfngf ug'{kg]{ u/L a}+s tyf ljQLo ;+:yfaf6 lglb{i6 ul/g]
ljleGg zt{, aGb]h / cj:yfx¿ ;DalGwt kIfn] :ki6 / ;/n ?kdf a'em\g ;Sg] u/L
kf/bzL{ ?kdf k|:t't ug'{kg]{ u/L a}+s tyf ljQLo ;+:yfx¿nfO{ yk lqmofzLn agfpFb}
nlug]5 .
96. jfl0fHo a}+sx¿n] Ps csf{df d'2tL lgIf]k tyf dfu]sf] avt lkmtf{ x'g] lgIf]k (Call
deposit) vf]nL ljQLo k|0ffnLsf] dWo:ytfsf] e"ldsfnfO{ sdhf]/ gt'Nofpg /
t/ntfsf] s[lqd u0fgf x'g] hf]lvd ga9f];\ eGgfsf nflu æsÆ ju{sf a}+sx¿n]
:jb]zdf Jofh k|fKt x'g] s'g} klg k|sf/sf lgIf]k vftf vf]Ng gkfpg] Joj:yf ul/Psf]
5.
97. a}+s tyf ljQLo ;+:yfx¿n] cfˆgf] k|fylds k"FhLsf] cfwf/df cy{Joj:yfsf] s'g–s'g
If]qdf slt–slt cg'kftdf shf{ k|jfx ug]{ xf] ;f]sf] ;DaGwdf ;+:yf :jo\dn] lg0f{o
u/L] If]qut shf{sf] cg'udg ug]{ ljBdfg k4ltsf] kfngf gePsf] / o;af6 cg'Tkfbs
If]qdf ;d]t clws shf{ k|jfx eO{ clws]lGb|t hf]lvd a9\g hfg] ;DefjgfnfO{ b[li6ut
u/L tf]lsPsf If]q afx]ssf s'g} Ps Joj;flos If]qdf -s'g} Ps cfly{s If]qdf dfq
shf{ k|jfx ug{ :jLs[lt kfPsf ljQLo ;+:yf jfx]s_ s'n afFsL shf{;fk6sf] $)
k|ltzteGbf a9L shf{ k|jfx ug{ gkfpg] yk Joj:yf u/L sfof{Gjogdf NofOg]5 . t/,
$) k|ltzteGbf sd ;Ldf tf]lsPsf If]qx¿df eg] ;f]xL adf]lhd x'g]5 .
98. shf{sf] clws]lGb|t hf]lvdnfO{ Go"gLs/0f ug{ 3/hUuf tyf cfjf; shf{df ;Ldf
tf]lsPsf]df d"No clej[l4 t'ngfTds ?kn] pRr /xg] cfjf; If]qtkm{sf] shf{nfO{ s]xL
v's'nf] ug]{ / hUufhdLg vl/b tyf Knl6Ëtkm{sf] shf{df ;Ldf sfod ub}{ nlug]5 .
o;sf nflu cfly{s jif{ @)^&÷^* df s'n shf{sf] !) k|ltzteGbf a9L nufgL hUuf
vl/b laqmLdf ug{ gkfpg] Joj:yf ul/Psf] 5 . xfn To; eGbf a9L nufgL ug]{
;+:yfx¿n] o:tf] shf{ @ jif{leqdf !) k|ltztdf emf/L ;Sg' kg]{5 .
99. Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfsf] ! k|ltzt eGbf a9L ;+:yfks z]o/ wf/0f
u/]sf ;+:yfks÷;+:yfks ;d"xsf z]o/wgLx¿n] cfkm"n] wf/0f u/]sf] ;+:yfks z]o/dWo]
%) k|ltzteGbf a9L lwtf] /fvL shf{ lng gkfOg]] Joj:yf ul/g]5 . of] kl/kf6LnfO{
qmdzM lg?T;flxt ub}{ nlug]5 .
100. dflh{g k|s[ltsf] shf{ cGtu{t ljut !*) lbgsf] cf};t z]o/ d"No jf kl5Nnf] ahf/
d"No h'g sd 5 ;f]sf] %) k|ltzt;Dd k|bfg ug{ kfpg] Joj:yf /x]sf]df z]o/ ahf/ /
shf{sf] ljBdfg cj:yf ;d]tnfO{ b[li6ut ub}{ ;f] ;Ldfdf j[l4 u/L ^) k|ltzt;Dd
shf{ k|bfg ug{ ;Sg] Joj:yf ul/Psf] 5 .
22
101. cf}Bf]lus Pjd\ Joj;flos If]qx¿af6 ljleGg ;dodf Trust Receipt shf{sf] cjlw
a9fpg dfu eO{ cfPsf] cj:yfnfO{ b[li6ut u/L ;f] shf{sf] ljBdfg () lbgsf]
cjlwnfO{ a9fO{ !@) lbg sfod ul/Psf] 5 .
102. ljQLo If]qsf] Ifdtf clej[l4 sfo{qmd cGtu{t C0f c;'nL Gofoflws/0f tyf shf{
;"rgf s]Gb|sf] ;'b[9Ls/0f ug]{ sfo{nfO{ o; jif{ klg sfof{Gjog ul/+b} nlug]5 . shf{
;"rgf s]Gb| lnld6]8df 8]enkd]06 a}+s;{ Pzf]l;P;gnfO{ ;xefuL u/fpg cfjZos
Joj:yf ul/g]5 . ;fy}, a}+s tyf ljQLo ;+:yfsf] lgis[o shf{df ;'wf/ Nofpg lghL
If]qsf] ;xeflutfdf ;DklQ Joj:yfkg sDkgL :yfkgf ug{ k|f]T;fxg ug]{ gLlt lnOg]5 .
103. rn tyf cd"t{ ;DklQ pk/sf] bfloTj kl/kfng ug]{÷u/fpg] Joj:yfsf nflu ;'/lIft
sf/f]jf/ P]g, @)^# hf/L eO;s]sf] / ;f] P]+gsf] efjgf Pj+ dd{nfO{ d"t{?k lbg ;'/lIft
sf/f]af/ btf{ sfof{no ;DaGwL :yfoL Joj:yf ug{' clgjfo{ ePsf] ;Gbe{df To:tf] 5'§}
sfof{nosf] :yfkgf ug{ g]kfn ;/sf/nfO{ cfjZos ;xof]u k'¥ofOg]5 .
104. a}+s tyf ljQLo ;+:yfaf6 pkef]u u/]sf] C0f ;DalGwt C0fLn] glt/L pGd'QmL kfpg]
;Defjgf /x]df ljQLo If]q :yfloTj sfod ug{ c;xh x'g'sf] ;fy} a}+s tyf ljQLo
;+:yfdf ul/g] lg/LIf0f tyf ;'kl/j]If0fsf] sfdsf/jfxL klg k|efjsf/L x'g ;Sb}g .
o;y{, lgotjZf C0f gltg]{ C0fLx¿nfO{ ul/g] sf/jfxL ;DaGwdf cfjZos sfo{ljlw
agfO{ nfu" ul/g]5 . ;fy}, a}+s tyf ljQLo ;+:yfaf6 ¿= ! s/f]8 jf ;f] eGbf a9L shf{
lnO{ lgotjz C0f gltg]{ C0fLx¿sf] /fxbfgL hkmt nufotsf cGo sf/jfxLnfO{ yk
k|efjsf/L agfOg]5 .
105. gofF jfl0fHo a}+s :yfkgfsf] nflu lgj]bg lng] sfo{ csf]{ gLltut Joj:yf geP;Ddsf]
nflu :ylut ul/Psf] 5 . t/, k"jf{wf/ ljsf;sf] nflu ;d]t ;xof]u k'Ug] u/L j}b]lzs
;+o'Qm nufgLdf 7"nf] k"FhL / pRr k|ljlw ;lxt :yfkgf x'g] a}+s tyf ljQLo ;+:yfx¿sf]
xsdf of] aGb]h nfu" x'g] 5}g . a}+s tyf ljQLo ;+:yf ;+:yfkgf ;DaGwL ljBdfg
gLltut tyf k|s[ofut Joj:yfnfO{ kl/dfh{g u/L r'Qmf k"FhL, ;+:yfks ;d"xsf]
Joj;flos ;+nUgtf / cg'ej, ;+:yfks, ;+rfns tyf kbflwsf/Ln] pkef]u ug{ ;Sg]
shf{, ;+rfns dgf]gog÷lgjf{rg, ;+:yfks ;]o/ nufgL ;Ldf, ;+:yfks tyf
;+rfnssf] of]Uotf (Fit and Proper Test) tyf ljQLo ;]jfdf ;j{;fwf/0fsf] kx'Fr
h:tf kIfx¿nfO{ d"ne"t ?kdf ;do;fk]If agfOg]5 .
106. ljQLo ;+:yfsf] :t/f]Gglt ug]{ sfo{ k"FhLsf] kof{Kttfsf cltl/Qm Joj;flos ;DefJotf,
;+:yfut Ifdtf, k|lt:kwf{ / ahf/sf] cj:yf cflbsf cfwf/df dfq ug]{ gLltut
Joj:yf ul/g]5 . ef}uf]lns If]q lj:tf/ / If]qLo a}+saf6 /fli6«o a}+sdf kl/jt{g ug]{
sfo{nfO{ ;d]t lglZrt dfkb08sf cfwf/df ul/g]5 .
107. lglZrt zt{ / dfkb08 k'/f u/]sf a}+s tyf ljQLo ;+:yfx¿n] o; a}+snfO{ hfgsf/L
u/fO{ zfvf vf]Ng ;Sg] Joj:yf @)^% a}zfvb]lv nfu" ul/Psf]df ljQLo ;]jfsf] kx'Fr
sd ePsf If]qdf zfvf lj:tf/ k|f]T;flxt ug{, ;+:yfut ;DefJotfnfO{ sfod /fVg /
:j:Yo k|lt:kwf{ ;'lglZrt ug{ zfvf lj:tf/sf nflu a}+s tyf ljQLo ;+:yfn] o;
a}+ssf] :jLs[lt lng' kg]{ Joj:yf ul/Psf] 5 . o;/L :jLs[lt lbO+bf k|:tfljt If]qsf]
Joj;flos sf/f]jf/, a}+lsË ;]jfsf] kx'Fr tyf pQm a}+s jf ljQLo ;+:yfn] s[lif, phf{,
23
ko{6g / n3'pBdsf] If]qdf shf{ k|jfxdf x'g ;Sg] j[l4sf] l:ylt ;d]tnfO{ cfwf/
agfOg]5 .
108. k"jf{wf/ ljsf;sf] nflu bL3{sfnLg nufgL ug]{ p2]Zon] ;+:yfkgf x'g] ljQLo ;+:yfx?sf]
k"FhL, nufgL, v/fa shf{ gf]S;fgL Joj:yf tyf cGo lgodg Joj:yfx¿sf ;DaGwdf
o; a}+sn] 5'§} ljQLo dfkb08x¿sf] Joj:yf u/L o; lsl;dsf] ;+:yfsf] :yfkgf /
;+rfng ug{ k|f]T;flxt ul/g] 5 . ;fy}, k"jf{wf/ ljsf; a}+ssf] :yfkgfy{ cfjZos
gLltut Joj:yf u/L ;f] a}+s :yfkgfsf] nflu kxn ul/g]5 .
109. ljQLo :yfloTjsf] nflu a}+s tyf ljQLo ;+:yfx?sf] ;+VofTds j[l4 eGbf u'0ffTds
Ifdtf clej[l¢ u/L ljQLo :yfloTj / s'zn ljQLo ;]jf ;'lglZrt ug{ ljQLo
;+:yfx¿ Pscfk;df ufEg] jf ufleg] ;DaGwL sfo{nfO{ k|f]T;flxt ul/g]5 . o;sf nflu
df}lb|s If]qaf6 k|bfg ug{ ;lsg] 5'6 tyf ;'xlnot -Psn u|fxs shf{ ;Ldf, ljkGg
ju{df k|jfx ug'{ kg]{ shf{, v/fj C0fsf] nflu Joj:yf, Go"gtd k"FhL sf]ifsf] :t/
cflbdf_ lbg] Joj:yf ul/g]5 .
110. k"FhL ahf/sf] lbuf] ljsf; u/L ;fwg kl/rfngdf 6]jf k'¥ofpg o; ;DaGwL sfo{ ug]{
;+:yfsf ;fy} sf/f]jf/sf] nflu oy]i6 ljljwLs[t pks/0fx¿sf] cfjZostf /xg]
tYonfO{ b[li6ut u/L g]kfn lwtf]kq af]8{;Fu cfjZos ;dGjodfkm{t Do"r'cn km08
sf/f]jf/ ug{ lghL If]qsf a}+s tyf ljQLo ;+:yfx¿nfO{ k|f]T;fxg ul/g]5 .
111. cfly{s lqmofsnfkdf lj:tf/;Fu} gf]6sf] dfudf x'g] j[l4 tyf rf8kj{sf cj;/x¿df
x'g] ;6xLsf] dfunfO{ k'/f ug{ tLg jif{sf] gf]6sf] dfunfO{ wfGg] u/L gf]6 5kfO{ ug]{ /
em'qf] gf]6 rngrNtLaf6 x6fpb} hfg] p2]Zon] ;kmf gf]6 dfq rngrNtLdf Nofpg]
gLlt qmdzM nfu" ub}{ nlug]5 . of] gLlt cGt{ut gf]6 5fGg]÷5'§fpg] d]lzgsf] Joj:yf
ug'{sf cltl/Qm ahf/df rngrNtLdf /x]sf] em'qf] gf]6x¿ a}+lsË Rofgnleq NofO{ gi6
ul/g], gf]6sf] Kofs]6df l:6r ul/g] Joj:yfnfO{ lg?T;flxt ul/g] / ;kmf gf]6 gLlt af/]
;j{;fwf/0fnfO{ hfu?s u/fpg] ljleGg pkfox¿ cjnDag ul/g]5 .
112. d'n'ssf a}+s tyf ljQLo ;+:yfx?n] ;"rgf k|ljlwdf cfwfl/t ljleGg ljQLo
pks/0fx¿ k|of]udf NofPsf] kl/k|]Iodf ;"rgf k|ljlwdf cfwfl/t ljQLo sf/f]jf/x¿sf]
;'kl/j]If0f sfo{nfO{ ;xh agfpg] p2]Zon] ;"rgf k|ljlw k|of]u ;DaGwL lgb]{lzsf tof/
u/L a}+s tyf ljQLo ;+:yfx¿nfO{ lgodg ug]{ Aoj:yf ul/g] 5 . g]kfn /fi6« a}+sdf
;"rgf k|ljlwsf] k|of]unfO{ Jojl:yt ug{ ;"rgf ;+sng, df}lb|s tYofÍ k|zf]wg /
;Dk|]if0fdf x'g] l9nfO{ sd ug{ ;"rgf k|ljlw gLlt th'{df u/L nfu" ul/g]5 .
ljb]zL ljlgdo Joj:yfkg
113. j:t' tyf ;]jf lgof{t ug]{ lgof{t Joj;foLn] lgof{t k|j4{gsf] nflu ljb]zdf
zfvf÷;Dks{÷ k|bz{g sIf h:tf sfof{nox¿ vf]Ng rfx]df / ljb]zdf laqmL ePsf]
/sd hDdf ug]{ k|of]hgsf] nflu ljb]zdf vftf vf]Ng rfx]df s'n lgof{tsf] % k|ltztdf
ga9\g] u/L lglZrt sfo{ljlw tyf zt{ tf]sL To:tf] sfof{no ;+rfngsf] nflu cfjZos
kg]{ ljb]zL d'b|fsf] nflu ;6xL ;'ljwf / vftf vf]Ng cg'dlt k|bfg ug]{ Joj:yf
ldnfOg]5 .
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114. Cash Against Document (CAD) jf a}+s Uof/]06Lsf] cfwf/df dfn;fdfg lgof{t
ubf{ lgof{t d"Nosf] % k|ltztn] x'g] /sdsf] w/f}6L jf a}+s hdfgt /fVg' kg]{ / CAD
sf] cfwf/df Psk6sdf a9Ldf cd]l/sL 8n/ @ nfv;Ddsf] dfn;fdfg lgof{t ug{
cg'dlt k|bfg ug{ ;lsg] Joj:yf /x]sf]df o:tf] w/f}6L ! k|ltzt dfq /fv] k'Ug] /
Psk6sdf cd]l/sL 8n/ % nfv;Ddsf] lgof{t cg'dlt k|bfg ug{ ;lsg] Joj:yf
ul/g]5 .
115. lgof{t k|tLtkq k|fKt ePsf] cfwf/df dfq ljb]zL d'b|fdf lk|–lzkd]06÷kf]i6–lzkd]06
shf{ k|bfg ug{ ;lsg] Joj:yf /x]sf]df o:tf] shf{ cGo k|rlnt dfWodaf6 lgsf;L
ubf{ ;d]t pknAw u/fpg ;lsg] Joj:yf ldnfOg]5 .
116. lgof{t k|j4{g, pTkfbg nfut Go"gLs/0f / d"No lgoGq0fdf ;d]t ;sf/fTds of]ubfg
k'uf];\ eGg] p2]Zon] xfn;Dd !#& k|sf/sf cf}Bf]lus sRrf kbfy{ kl/jTo{ ljb]zL d'b|f
e'QmfgL u/L ef/taf6 cfoft ug{ kfOg] Joj:yf ul/Psf]df o:tf] cfoftsf] cf}lrTo
tyf yk cfjZostfsf ;DaGwdf cWoog u/L j:t'x¿sf] ;"rLnfO{ yk36 ub}{ nlug]5 .
117. gub ef/tLo d'b|fsf] dfudf b]lvPsf] rfknfO{ b[li6ut u/L cfjZos dfqfdf ;f] d'b|fsf]
;6xL ;'ljwf pknAw x'g] t/ o;sf] b'?kof]u x'g glbg] clek|fon] cfjZostfsf] k|df0f
(Documents of Necessity) sf] cfwf/df ef/tLo ¿k}ofFsf] gub ;6xL ;'ljwf k|bfg
ug]{ Joj:yfnfO{ cem} a9L ;/n / kf/bzL{ agfp+b} nlug] 5 .
118. ef/tLo ¿k}ofFsf] sf/f]jf/ ug{ Ohfhtkqk|fKt ljQ sDkgLx¿af6 cg'/f]w eO{ cfPdf
cf}lrTosf cfwf/df ef/tLo a}+sx¿df Nostro Account vf]Ng :jLs[lt lbOg]5 .
119. j}b]lzs /f]huf/ Joj;foLx¿nfO{ Joj;fo k|j4{g ug{, le;f z'Ns e'QmfgL ug{ /
sfdbf/ k7fP afkt sldzg e'QmfgL ug{ cfjZos kg]{ ljb]zL d'b|f ;xh 9+un] pknAw
u/fpg] / ljb]zdf sfo{/t g]kfnLx?n] cfh{g u/]sf] /sd ;/n, ;'ne / ;'/lIft
tj/af6 d'n's leq\ofpg] / pTkfbgzLn If]qdf pkof]u ug]{ ;DaGwdf cfjZos Joj:yf
u/L /]ld6\ofG; sf/f]jf/nfO{ yk kf/bzL{ Pj+ ;/nLs[t ul/g]5 . ef/tdf sfo{/t g]kfnL
gful/sx¿n] g]kfndf k7fpg] ljk|]if0fnfO{ a}+lsË k|0ffnLdfkm{t\ leq\ofpg] sfo{nfO{ yk
k|efjsf/L agfpFb} n}hfg] ;DaGwdf cfjZos Joj:yf ul/g]5 .
120. xfn d'n'sdf sfo{/t dlgr]~h/x¿sf] ;+Vof, If]qut pkl:ylt tyf ;]jfu|fxLsf]
cfjZostf ;d]tnfO{ ljrf/ u/L o:tf] sf/f]jf/nfO{ a9L ;'/lIft, kf/bzL{ Pj+ ;/n
t'Nofpg cWoog eO/x]sf]df pQm cWoogsf cfwf/df dlgr]~h/ ;DaGwL gLlt /
sf/f]jf/nfO{ ;'Jojl:yt ul/g]5 .
121. ;'grfFbL cfoft ;DaGwL ljBdfg Joj:yfdf k'g/fjnf]sg u/L ;'grfFbL Joj;foL ;+3sf]
l;kmfl/zdf ;DalGwt Joj;foLx¿n] klg tf]lsPsf] kl/df0fdf cfoft ug{ ;Sg] Joj:yf
ldnfOg] 5 . ;fy}, rfFbLaf6 ag]sf u/uxgf, x:tsnfsf j:t'x¿ lgsf;L ug]{
lgsf;Lstf{x?nfO{ rfFbL pknJw u/fpg] ljBdfg Joj:yfdf kl/dfh{g ul/g]5 .
122. ljb]zL ljlgdo sf/f]jf/nfO{ cem a9L Jojl:yt Pj+ lgoldt ug{ ;/f]sf/jfnfx¿;+u
;xsfo{, ljb]zL ljlgdo ;DaGwL u'gf;f] ;'g'jfO{ tyf :ynut tyf u}/–:ynut lg/LIf0f
tyf ;'kl/j]If0fnfO{ ;'b[9 ul/g]5 .
25
n3'ljQ tyf ljQLo kx'Fr

123. ljQLo ;]jfdf lk5l8Psf If]q, ju{, lnË tyf ;d'bfosf] kx'Fr clej[l4 ug{ To:tf ;]jf
k|bfg ug{ :yfkgf x'g] ljQLo ;+:yfx¿nfO{ k|fyldstfsf ;fy lz3| cg'dlt k|bfg ug]{
gLltnfO{ cl3 a9fOg] 5 . o:tf ;+:yfx¿sf] lj:tf/;Fu} pTkGg x'g ;Sg] lgofds tyf
;'kl/j]IfsLo r'gf}tLnfO{ Wofgdf /fvL n3'ljQ ;+:yfx¿sf] lgodg, lg/LIf0f tyf
;'kl/j]If0fsf nflu bf]>f] lgofds lgsfo (Second Tier Institution-STI) sf] ?kdf
n3'ljQ k|flws/0fsf] :yfkgf ug]{ sfo{nfO{ cl3 a9fOg]5 .
124. ;dfhsf sdhf]/ ju{df shf{ lj:tf/ ug{ :yflkt u|fdL0f :jfjnDag sf]ifnfO{ n3'ljQ
ljsf; sf]ifsf] ?kdf Ps 5'§} lgsfosf] ?kdf ;+:yfkgf ug]{ ;DaGwL sf/jfxLnfO{ cl3
a9fOg]5 . n3', ;fgf / demf}nf pBf]udf shf{ j[l4 tyf kx'Fr Pjd\ k|efjsfl/tfsf]
cg'udg k|of]hgsf] nflu Ps 5'§} 8]:s :yfkgf ug{ a}+s tyf ljQLo ;+:yfnfO{
k|f]T;flxt ul/g]5 . n3'ljQ ;+:yfx¿sf] lg/LIf0f tyf ;'kl/j]If0f sfo{nfO{ yk k|efjsf/L
t'Nofpg g]kfn /fi6« a}+sdf 5'§} ljefusf] Joj:yf /x]sf] 5 .
125. ljQLo kx'Fr a9fpg] p2]Zon] afl0fHo a}+sx¿n] s'n shf{sf] # k|ltzt, ljsf; a}+sn] @
k|ltzt / ljQ sDkgLn] !=% k|ltzt clgjfo{ ?kdf ljkGg ju{df shf{ k|jfx ug'{kg]{
Joj:yf cGtu{t tTsfnsf nflu jfl0fHo a}+stkm{sf] # k|ltztsf] ljBdfg ;Ldf oyfjt
sfod u/L ljsf; a}+sn] @=% k|ltzt / ljQ sDkgLn] @ k|ltzt clgjfo{ nufgL ug'{
kg]{ Joj:yf ul/Psf] 5 . nlIft ju{df shf{ k|jfx ;'lglZrt ug{ a}+s tyf ljQLo
;+:yfx¿n] o; k|of]hg afktsf] /sd Jofh cfh{g ug]{ clek|fon] s'g} klg a}+s tyf
ljQLo ;+:yfdf vftf vf]nL hDdf ug{ gkfpg] Joj:yf ul/Psf] 5 .
126. ljkGg ju{ shf{ nufgLnfO{ k|f]T;flxt ug{ ;fd"lxs÷JolQmut÷;+:yfut hdfgLdf k|ToIf
jf ck|ToIf ?kdf ljkGg ju{df u0fgf x'g] u/L k|jfx ul/Psf] shf{sf] nflu cltl/Qm @)
k|ltzt yk shf{ gf]S;fgL Joj:yf sfod ug'{ gkg]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
ljkGg ju{ shf{tkm{ tf]lsPsf zt{x¿ k'/f u/]sf cfjf;, ljB't, c:ktfnx¿h:tf
If]qdf hfg] shf{ ;DaGwdf k'g/fjnf]sg u/L o:tf] shf{sf] ;Ldf lgwf{/0f ul/g]5 .
127. cfly{s / Joj;flos lqmofsnfkdf dlxnfx¿sf] ;xeflutf a9fO{ dlxnf ;zQmLs/0fdf
;xof]u k'¥ofpg pgLx¿åf/f ;+rflnt n3' pBdnfO{ a}+s tyf ljQLo ;+:yfaf6 k|jfx
ePsf] ¿ # nfv;Ddsf] shf{nfO{ ljkGg ju{ shf{df ;dfj]z ul/g] 5 / o:tf] shf{df
g]kfn /fi6« a}+saf6 k'g/shf{ ;'ljwf pknAw u/fOg]5 .
128. ;fd'bflos pkef]Qmf ;ldlt jf lghL If]qn] %)) lsnf]jf6 Ifdtf;Ddsf] hnljB't
cfof]hgfsf] s'n nfutsf] Go"gtd %) k|ltzt jf ;f] eGbf a9L nufgL ug]{
kl/of]hgfdf a}+s tyf ljQLo ;+:yfx¿n] ;fd'bflos pkef]Qmf ;ldlt jf lghL If]qnfO{
k|bfg ug]{ ¿ ! s/f]8;Ddsf] shf{ tyf ;fk6nfO{ ljkGg ju{ shf{ cGtu{t u0fgf ul/g]
Joj:yf ldnfOg]5 .
129. ljut b'O{ jif{b]lv ljkGg ju{ shf{ pkef]u u/L c;n ju{df k/]sf k|lt ;d"x
;b:o÷JolQmnfO{ ;fd"lxs÷JolQmut hdfgtdf ljkGg ju{df k|jfx ug'{kg]{ shf{sf]
ljBdfg ^) xhf/ ¿k}ofFsf] ;LdfnfO{ a9fP/ () xhf/ k'¥ofOPsf] 5 . o;}u/L n3'
26
pBd shf{sf] ! nfv %) xhf/ ¿k}ofFsf] ;LdfnfO{ a9fP/ @ nfv ¿k}ofF sfod ul/Psf]
5 . t/, @ nfv ¿k}ofF;Ddsf] shf{ k|jfx ubf{ ljkGg ju{df hfg] s'n shf{;fk6sf] @%
k|ltzteGbf a9L x'g gx'g] k|jfwfgnfO{ kl/jt{g u/L o:tf] ;Ldf Ps ltxfO{ eGbf a9L
x'g gx'g] Joj:yf ul/Psf] 5 . of]] Joj:yf n3'ljQ ;DaGwL sf/f]af/ ug]{ ljQLo ;+:yfsf]
xsdf klg ;dfg?kn] nfu" x'g]5 .
130. u|fdL0f If]qdf ul7t pkef]Qmf ;ldlt jf To:tf] If]qdf sfo{/t ;xsf/L ;+:yf dfkm{t
;fd'bflos l;+rfO{ k|0ffnL]df k|jfx u/]sf] shf{ tyf u|fdL0f If]qdf 6\ofS6/, y|];/ tyf
cGo s[lif cf}hf/ vl/b ug]{ k|of]hgsf] nflu k|jfx ePsf] shf{nfO{ ljkGg ju{ shf{df
;dfj]z ug]{ Joj:yf ul/Psf] 5 .
131. ls;fg ju{n] cGgafnL ;+/If0f ug]{ k|of]hgfy{ ;fd'lxs :jfldTjdf sf]N8:6f]/]h :yfkgf
ug{ rfx]df ;f]sf] nflu k|jfx x'g] k|lt kl/jf/ ! nfv %) xhf/ ¿k}ofF;Ddsf] shf{nfO{
ljkGg ju{ shf{sf] ?kdf u0fgf ul/g] 5 . ;fy}, kz'kfng, dT:okfng, df}/Lkfng h:tf
Joj;fosf] nflu k|lt kl/jf/ @ nfv %) xhf/ ¿k}ofF;Ddsf] shf{nfO{ klg ljkGg ju{
shf{sf] ?kdf u0fgf ul/g]5 .
132. dfWoflds tyf pRr dfWoflds tx ;/xsf] k|fljlws tyf Joj;flos lzIff cWoogsf]
nflu ljkGg kl/jf/sf o'jfx¿nfO{ a}+s tyf ljQLo ;+:yfx¿af6 lagf lwtf]df k|jfx x'g]
¿ @ nfv;Ddsf] shf{nfO{ ljkGg ju{ shf{df u0fgf ul/g] Joj:yf ul/Psf] 5 .
133. ljkGg ju{df tf]lsPadf]lhd shf{ k|afx gug]{ a}+s tyf ljQLo ;+:yfx¿nfO{ xhf{gf
nufpb} cfPsf]df ;f] xh{gfaf6 5'§} sf]if :yfkgf u/L ;f] sf]ifsf] /sd u|fdL0f If]qdf
ljQLo kx'Fr clej[l4 sfo{qmddf pkof]u ul/g] 5 . ljkGg ju{df a}+s tyf ljQLo
;+:yfx¿n] nIo cg'?k shf{ k|afx ug{ ;xh l:ylt k}bf ug]{tkm{ yk sfo{x¿ ul/g]5 .
134. g]kfn ;/sf/n] kl/eflift u/] cg';f/ blnt, hghflt, pTkLl8t tyf dlxnf ju{nfO{
/fxt k'¥ofpg / j}b]lzs /f]huf/ k|j4{gdf ;xof]u k'¥ofpg ;f] k|of]hgsf nflu k|bfg
ul/g] shf{df ljz]if k'g/shf{ b/df k'g/shf{ ;'ljwf pknAw u/fOg]5 .
135. ;fgf tyf demf}nf hnljB't kl/of]hgfsf] ljsf;sf] nflu a}+s tyf ljQLo ;+:yfx¿sf]
;fwgsf] s]xL c+z o; If]qtkm{ k|jfx x'g ;sf];\ eGg] p2]Zon] ;Da4
;/f]sf/jfnfx¿;Fu ;xsfo{ / ;dGjo u/L Pp6f 5'§} hnljB't ljsf; sf]if÷;+:yf v8f
ug]{ ;DaGwdf cfjZos kxn ul/g]5 .
136. a}+s tyf ljQLo ;+:yfx?sf] ;+VofTds pkl:ylt tyf ljQLo ;]jfdf ePsf] kx'FrnfO{
;d]t b[li6ut u/L æ3Æ ju{sf ljQLo ;+:yfsf] :yfkgfnfO{ k|f]T;flxt ub}{ ljQLo kx'Fr
;Lldt ePsf tf]lsPsf #) lhNnfdf ! b]lv # lhNnf sfo{If]q /xg] u/L :yfkgf x'g]
æuÆ ju{sf ljQLo ;+:yf tyf a}+lsË kxF'r gk'u]sf # b]lv !) lhNnf sfo{If]q /xg] u/L
:yfkgf x'g] ljsf; a}+sx¿sf] xsdf Ohfhtkq v'Nnf ug]{ ;DaGwdf cfjZos Joj:yf
ldnfOg]5 . a}+lsË ;]jfsf] kx'Fr sd ePsf lhNnfnfO{ ;d]6\g] u/L ljQLo ;+:yfn] cfˆgf]
ef}uf]lns sfo{ If]q lj:tf/ ug{ rfx]df tTsfn If]q lj:tf/sf] :jLs[lt lbg] Joj:yf
ldnfOg]5 .
27
137. o; a}+saf6 Ohfhtkqk|fKt æuÆ ju{sf ljQLo ;+:yfx?n] zfvf lj:tf/ ubf{ sf7df8f}+
pkTosfleq k|lt zfvf ¿= @ s/f]8 / pkTosfaflx/ k|lt zfvf ¿= %) nfv r'Qmf
k"+FhL yk ug'{kg]{ Joj:yf /x]sf]df To:tf ljQLo ;+:yfx¿nfO{ ljQLo ;]jfsf] kof{Kt kx'Fr
gk'u]sf 7fpFdf zfvf lj:tf/sf] nflu k|f]T;fxg ug{ b'O{j6f ;Dddfq a}+s tyf ljQLo
;+:yf jf tLgsf zfvf ePsf gu/kflnsf jf ufpF ljsf; ;ldltdf zfvf lj:tf/ u/]df
To:tf] cltl/Qm r'Qmf k"‘hL yk ug'kg]{ Joj:yfdf 5'6 lbOg]5 .
138. ljQLo ;]jfsf] kx'Fr gk'u]sf If]qx¿df a}+s tyf ljQLo ;+:yfnfO{ zfvf vf]Ng k|f]T;fxg
u/L ljQLo ;dfj]zLs/0fnfO{ clej[l4 ug]{ p2]Zon] g]kfn ;/sf/n] tf]s]sf] @@ b'u{d
lhNnfsf ;b/d'sfddf zfvf vf]n]df ¿ %) nfv;Dd / ;b/d'sfdeGbf aflx/ zfvf
vf]n]df ;+rfng vr{sf] nflu g]kfn /fi6« a}+saf6 ¿ ! s/f]8;Dd lgJof{hL /sd
lglZrt cjlwsf] nflu ;fk6Lsf] ?kdf pknJw u/fpg] Joj:yf ldnfOg] 5 . ;fy}, a}+s
tyf ljQLo ;+:yfx¿sf] pkl:ylt Go"g /x]sf tf]lsPsf #) lhNnfx¿df sDtLdf Ps
zfvf / cGoq Ps zfvf u/L b'O{ j6f zfvf vf]nL ;+rfngdf NofP kZrft dfq
sf7df8f}+ pkTosfleq Ps zfvf vf]Ng kfpg] Joj:yf ul/g]5 .
139. Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] Go"gtd k"FhLut tyf cGo vr{af6 g}
u|fdL0f If]qdf a}+lsË ;]jf pknAw xf];\ eGg] p2]Zo /fvL ;Lldt a}+ls‹ ;]jf sfof{no
:yfkgf u/L jf zfvf/lxt÷ljB'tLo dfWodn] ljQLo sf/f]jf/ ug{ ;Sg] Joj:yf ldnfOg]
5 . ljleGg dfWodaf6 u|fdL0f If]qdf ;+slnt ljQLo ;fwg k'gMzx/L If]qtkm{
kl/rflnt gxf];\ eGg]tkm{ g]kfn /fi6« a}+ssf] k|of; /xg]5 .
140. cfly{s jif{ @)^^÷^& sf] ah]6 aQmJo tyf df}lb|s gLltdf pNn]v eP cg';f/
k|fs[lts JolQmsf] gfddf æ3Æ ju{sf ljQLo ;+:yfdf art tyf d'2tL lgIf]kdf /x]sf]
¿ @ nfv;Ddsf] lgIf]k ;'/If0f ug]{ Joj:yf ldnfO{ ;lsPsf] 5 . cfly{s jif{
@)^&÷^* sf] z'?jftb]lv g} ;f] Joj:yfnfO{ qmlds ¿kdf a}+s tyf cGo ljQLo
;+:yfdf nfu" ub}{ nlug] Joj:yf ldnfOg] 5 .
141. a}+s tyf ljQLo ;+:yf / cGo ljQLo dWo:ytf ;]jf ;DjGwL sfo{ ug]{ ;+:yfx¿sf]
pkl:ylt, ;+:yfut shf{sf] cj:yf, cgf}krfl/s If]qsf] ljQLo sf/f]jf/, u|fdL0f ljQLo
kx'Fr, shf{ tyf Jofhb/sf] cj:yf cflb h:tf kIfx¿sf] af/]df hfgsf/L lng] p2]Zon]
u|fdL0f shf{ ;j]{If0fsf] nflu k|f/lDes sfo{ cufl8 a9fOg] 5 .
cGTodf
142. cfly{s jif{ @)^^÷^& df b]lvPsf] zf]wgfGt/ 3f6f, lg/Gt/sf] pRr d"No j[l4b/,
a}+sx¿df t/ntfsf] cefj tyf shf{–lgIf]k cg'kft pRr /x]sf sf/0f lghL If]qdf
shf{ k|jfxdf kl5Nnf] ;dodf cfPsf] lzlyntf tyf 3/hUuf Joj;fodf s]xL ljQLo
;+:yfaf6 ePsf] clws shf{ nufgLaf6 pTkGg cfly{s ljs[lt, 7"nf] ;+Vofdf
;j{;fwf/0fn] cf}krfl/s ljQLo ;]jfaf6 cem} ljd'v /xg' k/]sf] cj:yf / s[lif tyf
cGo cgf}krfl/s If]qdf ;+:yfut shf{ k|jfx x'g g;s]sf] k[i7e"lddf sfof{Gjogdf
NofOg] of] df}lb|s gLltn] s'g} g s'g} ?kdf oL r'gf}tLx¿ ;dfwfg ug]{tkm{ of]ubfg
k'¥ofpg] ck]Iff ul/Psf] 5 . /f]huf/L s]lGb|t pRr cfly{s j[l4b/ lagf lbuf] ul/jL
28
lgjf/0f ;Dej 5}g / o;sf nflu cg's"n jftfj/0f ;[hgf ug{ df}lb|s If]q klg kl5
kg'{ x'Gg eGg] cfzo klg of] gLltn] lnPsf] 5 .
143. k|:t't df}lb|s gLltsf] sfof{Gjogaf6 d'n'ssf] e'QmfgL ;Gt'ngdf ;'wf/ cfpg],
d'b|f:kmLltb/ Ps c+sdf emg]{, ljQLo :yfloTj xfl;n x'g], ;j{;fwf/0fdf a}+lsË kx'Fr
clej[l4 x'g] / nlIft cfly{s j[l¢b/ xfl;n ug{df ;xof]u k'Ug] ljZjf; ul/Psf] 5 . of]
df}lb|s gLltsf] th'{dfdf ;xof]u k'¥ofpg] g]kfn ;/sf/sf ljleGg lgsfo, ljQLo
;+:yfx¿, ljleGg Joj;flos ;+3 ;+:yfx¿, ljåt\ ju{, bft[ lgsfo nufot ;a}nfO{
g]kfn /fi6« a}+s wGojfb lbg rfxG5 / o;df Joj:yf ePsf gLltut Joj:yf tyf
sfo{qmdx¿sf] sfof{Gjogdf oxfFx¿ ;a}sf] ;bfem} ;xof]u ldNg] ljZjf; a}+sn] lnPsf]
5.
29
cg';"rL !
cfly{s jif{ @)^^÷^& sf] df}lb|s gLltdf pNn]v ePsf gLltut Joj:yfx¿sf] k|ult tflnsf ljj/0f
qm=;+= a'Fbf g+= nIo ÷ sfo{s|dx¿ sfo{ ljj/0f lhDd]jf/ ljefu sfof{Gjog l:ylt
1 73 PsfO{ d"Nodf cfwfl/t cfoft tyf lgof{t d"No o; ;DaGwdf cfjZos cg';Gwfg ljefu ;"rgf ;+sng ug]{ sfo{ eO/x]sf] .
;"rsfÍ (XMPI) tof/ u/L k|sfzgdf Nofpg] . sfdsf/jfxL cufl8 a9fpg] .
2 74 cfwf/ jif{ @)^@.^# sf] cfwf/df gofF pkef]Qmf o; ;DaGwdf cfjZos cg';Gwfg ljefu o; ;DaGwL cfjZos sfo{ clGtd
d"No ;"rsfÍsf] dfkg ug]{ sfo{ z'? ul/g] . sfdsf/jfxL cufl8 a9fpg] . r/0fdf k'u]sf]] .
3 75 ;dli6ut cfly{s kl/;"rsx?sf] k|If]k0f ug{ o; ;DaGwdf cfjZos cg';Gwfg ljefu PlzofnL ljsf; a}+ssf] k|fljlws
;xof]u k'Ug] u/L cfly{s jif{ @)^^.^& b]lv sfdsf/jfxL cufl8 a9fpg] . ;xof]udf sfo{ z'? eO;s]sf] .
Macroeconomic Modeling ug]{ sfo{sf] z'? ug]{ .
4 82 cfly{s jif{ @)^^.^& df jflif{s cf}ift d'b|f:kmLlt cg'udg ug]{ / gLltut cg';Gwfg ljefu vfBfGg ;d"xsf] d"No pRr /x]sf] tyf
&=) k|ltzt /xg] k|If]k0f ul/Psf] . Joj:yfaf/] ljZn]if0f ug]{ . cfk"lt{hGo sf/0fx¿n] ubf{ rfn" jif{
d"No j[l4b/ !)=% k|ltzt /xg]
;+zf]lwt cg'dfg /x]sf] .
5 83 cfly{s jif{ @)^^.^& sf nflu slDtdf ^ dlxgfsf] cg'udg ug]{ / gLltut cg';Gwfg ljefu Rfn" jif{sf] cGTo;Dddf zf]wgfGt/
j:t' tyf ;]jf cfoft wfGg ;Sg] ljb]zL ljlgdo Joj:yfaf/] ljZn]if0f ug]{ . 3f6f ¿ % ca{ /xg] ;+zf]lwt cg'dfg
;l~rltsf] nIosf] cfwf/df zf]wgfGt/ art /x]sf] .
¿ !* ca{ x'g] k|If]k0f ul/Psf] .
6 84 cfly{s jif{ @)^^.^& sf] ah]6 jQmJodf pNn]lvt cg'udg ug]{ / gLltut cg';Gwfg ljefu cfly{s j[l4b/ #=% k|ltzt /xg]
%=% k|ltztsf] cfly{s j[l4 xfl;n ug{ ;xh x'g] Joj:yfaf/] ljZn]if0f ug]{ . ;+zf]lwt cg'dfg /x]sf]n] ;f]xL cg'?k
u/L df}lb|s t/ntfsf] Joj:yfkg ul/g] . t/ntf Joj:yfkg ul/Psf]] .
7 85 cfly{s jif{ @)^^.^& sf nflu lj:t[t d'b|f k|bfosf] cg'udg ug]{ / gLltut cg';Gwfg ljefu lj:t[t d'b|fk|bfosf] j[l4b/ !$ k|ltzt
jfl~5t jflif{s j[l4b/ !&=) k|ltzt k|If]k0f Joj:yfaf/] ljZn]if0f ug]{ . /xg]] ;+zf]lwt cg'dfg /x]sf]] .
ul/Psf] .
8 86 s'n cfGtl/s shf{dWo] jfl0fHo a}+sx¿af6 lghL cg'udg ug]{ / gLltut cg';Gwfg ljefu o:tf] shf{ !&=* k|ltztn] lj:tf/ x'g]
If]qdf k|jfx x'g] shf{sf] j[l4b/ cfly{s jif{ Joj:yfaf/] ljZn]if0f ug]{ . ;+zf]lwt cg'dfg /x]sf] .
@)^^.^& df @)=& k|ltzt /xg] k|If]k0f /x]sf] .
30
9 88 cfly{s jif{ @)^^.^& b]lv a}+s tyf ljQLo ;+:yf cg'udg ug]{ / gLltut cg';Gwfg ljefu÷ o; ;DaGwdf cWoog eO/x]sf] .
-æsÆ b]lv æuÆ ju{;Dd_ x¿;Fusf] clgjfo{ gub Joj:yfsf] sfof{Gjogsf] nflu a}+s ;'kl/j]If0f ljefu
cg'kft afx]ssf] clws t/ntfnfO{ df}lb|s gLltsf] cfjZos sfo{ cufl8 a9fpg] .
;+rfng nIosf] ?kdf lnOg] .
10 89 cfly{s jif{ @)^^.^& leq g]kfn /fi6« a}+s, jfl0fHo o; ;DaGwdf cfjZos cg';Gwfg ljsf; a}+s tyf ljQ sDkgLx¿af6
a}+s nufot ljsf; a}+s / ljQ sDkgLsf] sfdsf/jfxL cufl8 a9fpg] . ljefu÷a}+s tyf tYofÍ ;+sng tyf k|zf]wg ug]{ sfo{
jf;nftdf cfwfl/t ælj:tfl/t df}lb|s ;j]{If0fÆ ljQLo ;+:yf lgodg x'Fb} u/]s]f .
(Broad Monetary Survey) k|zf]wg / k|sfzg ljefu
ul/g] .
11 97 cfly{s jif{ @)^^.^& b]lv a}+s tyf ljQLo gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf ldlt @)^^.$.@^ df kl/kq hf/L
;+:yfx¿n] sfod ug'{kg]{ j}wflgs t/ntf cg'kft sfof{Gjogsf] nflu cfjZos lgodg ljefu u/L @)^^ k'; d;fGtb]lv u0fgf
(Statutory Liquidity Ratio)] ;DaGwL sfo{ljlw sfo{ cufl8 a9fpg] . ;DaGwL sfo{ z'? eO;s]sf] .
@)^^ ;fpgleq hf/L ul/g] .
12 101 ljQLo If]q ;'wf/ sfo{qmd cGtu{t a}+s tyf ljQLo gLltut Joj:yfsf] ljZn]if0f a}+s tyf ljQLo ;+:yf C0f c;'nL P]g, @)%* df bf];|f]
;+:yfx?sf] lgodg tyf ;'kl/j]If0f sfo{nfO{ ;lxt sfof{Gjogsf] nflu lgodg ljefu, sfg'g ;+zf]wg u/L ldlt @)^^.!).!# b]lv
;dofg's"n ;'wf/ ug]{ tyf C0f c;'nL cfjZos sfdsf/jfxL cufl8 dxfzfvf nfu" eO;s]sf] . C0f c;'nL
Gofoflws/0fnfO{ yk k|efjsf/L agfpg] nufotsf a9fpg] . Gofoflws/0fnfO{ oflGqsLs/0f ug]{
sfo{qmdnfO{ lg/Gt/tf lbOg] . / sd{rf/LnfO{ tflnd lbg] sfo{
eO/x]sf] .
13 102 g]kfn a}+s lnld6]8 / /fli6«o jfl0fHo a}+s gLltut Joj:yfsf] ljZn]if0f a}+s tyf ljQLo ;+:yf g]kfn a}+s lnld6]8 / /fli6«o
lnld6]8sf] ;'wf/nfO{ hf/L /fVb} cfufdL b'O{ jif{leq ;lxt sfof{Gjogsf] nflu lgodg ljefu jfl0fHo a}+s lnld6]8 b'a}sf] k"FhL
k"FhL kof{Kttf ;'lglZrt ug]{ sfo{of]hgf k|efjsf/L cfjZos sfo{ cufl8 a9fpg] . of]hgf (Capital Plan) tof/ ug]{
?kdf sfof{Gjog ul/g] . sfo{ eO/x]sf] .
14 104 u|fdL0f If]qdf a}+lsË ;'ljwfsf] kx'Fr a9fpg gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf kl/kq hf/L eO;s]sf] tyf s]xL
Joj;flos k|ltlglwsf] ;xfotfn] Point of sfof{Gjogsf] nflu cfjZos lgodg ljefu a}+sx¿n] o:tf] ;'ljwf pknJw
Transaction Machine -POT_ sf] dfWodaf6 :df6{ sfdsf/jfxL cufl8 a9fpg] . u/fpg z'? ;d]t ul/;s]sf] .
sf8{sf] k|of]u u/L ul/g] b'u{d÷u|fdL0f If]qdf
zfvf/lxt a}+lsË ;]jf ;+rfng ug{ a}+s tyf ljQLo
;+:yfnfO{ k|f]T;flxt ul/g] .
31
15 105 ljQLo ;fwg kl/rfngdf Jofkstf Nofpg ljQLo gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf d:of}bf tof/ eO{ ;DalGwt
;DklQ k'g/;+/rgf tyf lwtf]kqLs/0f sfof{Gjogsf] nflu cfjZos lgodg ljefu, sfg'g lgsfox¿;Fu 5nkmn hf/L /x]sf] .
(Securitization)_ ;DaGwL cjwf/0ff tof/ ul/g] / sfdsf/jfxL cufl8 a9fpg] . dxfzfvf
o; ;DaGwL P]gsf] d:of}bf cfly{s jif{ @)^^.^&
leq g]kfn ;/sf/ ;dIf k]z ul/g] .
16 106 cfly{s jif{ @)^%.^^ b]lv ?=! s/f]8eGbf dfly gLltut Joj:yfsf] cg'udg a}+s tyf ljQLo ;+:yf pQm Joj:yfsf] sfof{Gjog hf/L
shf{ lnO{ lgotjz C0f gltg]{ ;a} C0fL pk/ ug]{ / sfof{Gjogsf] nflu lgodg ljefu /x]sf] . xfn;Dd #%% hgf
sf/jfxL z'? eO;s]sf]df cfufdL lbgdf klg o:tf cfjZos sfdsf/jfxL cufl8 C0fLx¿nfO{ sf/jfxL ul/Psf]df #@
C0fLx¿ pk/sf] sf/jfxLnfO{ k|efjsf/L ?kdf a9fpg] . C0fLx¿n] C0f r'Qmf ul/;s]sf]n]
cufl8 a9fOg] . sf/jfxL km's'jf ;d]t ul/Psf] .
17 107 ;'/lIft sf/f]jf/ ;DaGwL sfo{ ug{sf nflu 5'§} gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf g]kfn ;/sf/af6 cf}krfl/s ?kdf
sfof{nosf] :yfkgf ug{ g]kfn ;/sf/nfO{ cfjZos sfof{Gjogsf] nflu cfjZos lgodg ljefu, sfg'g o; ;DaGwdf ;xof]u dfu eO{
;xof]u k'¥ofOg] . sf/jfxL cufl8 a9fpg] . dxfzfvf gcfPsf] .
18 108 sDkgL P]g @)^#, adf]lhd :yfkgf ePsf gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf ;af]{Rr cbfntsf] k/fdz{df
sDkgLx¿sf nflu 5'§} jfl0fHo Ohnf; :yfkgf ug]{ sfof{Gjogsf] nflu cfjZos lgodg ljefu, sfg'g rf/j6f k'g/fj]bg cbfntx¿df
sfo{nfO{ k|efjsf/L agfpgsf] nflu ;a} sfdsf/jfxL cufl8 a9fpg] . dxfzfvf jfl0fHo Ohnf; :yfkgf eO{ sfo{
;/f]sf/jfnf kIfx¿;Fu ;dGjo u/L kxn ul/g] . ;d]t k|f/De eO;s]sf] .
19 109 g]kfn ;/sf/n] kl/eflift u/] cg';f/ blnt, gLltut Joj:yfsf] cg'udg a}+s tyf ljQLo ;+:yf pQm Joj:yf oyfjt sfod /x]sf]
hghftL, pTkLl8t tyf dlxnf ju{nfO{ /fxt ;lxt sfof{Gjogsf] nflu lgodg ljefu, a}+lsË tyf o; Joj:yf cGtu{t xfn;Dd
k'¥ofpg / j}b]lzs /f]huf/ k|j4{gdf ;xof]u cfjZos sfdsf/jfxL cufl8 sfof{no s'g} klg dfu cfj]bg k|fKt
k'¥ofpg ;f] k|of]hgsf nflu lng] shf{df ?U0f a9fpg] . gePsf] .
pBf]unfO{ k|bfg ul/g] k'g/shf{ ;'ljwf ;/x
@)^^÷^& df klg ? %) s/f]8;Ddsf] k'g/shf{
;'ljwf pknJw u/fOg] .
20 111 ljb]zL a}+ssf yf]s a}+lsË sf/f]jf/ ug]{ zfvfx¿ gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf o; ;DaGwL gLltut Joj:yf
k|j]z u/fpg] ;DaGwdf tof/ ePsf] k|f/lDes sfof{Gjogsf] nflu cfjZos lgodg ljefu th'd
{ f u/L nfu" eO;s]sf] .
k|ltj]bgsf] sfof{Gjogsf] nflu cfjZos k"jf{wf/x¿ k|lqmof cufl8 a9fpg] .
tof/ ug]{ ;Gbe{df cfjZos lgb]{zg tyf gLltut
Joj:yfsf] th'{df u/L nfu" ul/g] .
32
21 112 jfl0fHo a}+sx?n] g]kfn aflx/ klg zfvf vf]Ng gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf o; ;DaGwdf ldlt @)^^. !@.@$
rfx]df :jLs[lt lbg] Joj:yf ldnfOg] . sfof{Gjogsf] nflu cfjZos lgodg ljefu df kl/kq hf/L u/L gLltut
sfdsf/jfxL cufl8 a9fpg] . Joj:yf eO;s]sf]] .
22 114 ljkGg ju{df n3'ljQsf] kx'Fr a9fpg ljkGg ju{ gLltut Joj:yfsf] cg'udg a}+s÷ljQLo ;+:yf ;f] cg?k shf{ k|jfx eP÷gePsf]
shf{ cGt/ut jfl0fHo a}+sx¿ -s ju{_ n] s'n ug]{ / sfof{Gjogsf] nflu ;'kl/j]If0f ljefu, ;DaGwdf cfly{s jif{ @)^^.^& sf]
afFsL shf{sf] # k|ltzt k|jfx ug'{kg]{ jt{dfg cfjZos sfdsf/jfxL cufl8 a}+s tyf ljQLo ;+:yf bf]>f] qodf;b]lv cg'udg ug]{ sfo{
Joj:yfnfO{ oyfjt sfod /fvL cfufdL cfly{s jif{ a9fpg] . lgodg ljefu eO/x]sf] .
@)^^÷^& sf] nflu ljsf; a}+s -v ju{_ n] @=)
k|ltzt / ljQ sDkgL -u ju{_ n] !=% k|ltzt
clgjfo{ ?kdf shf{ k|jfx ug'{ kg]{ Joj:yf
ul/Psf] .
23 116 g]kfn lwtf]kq af]8{;Fu cfjZos ;dGjo u/L gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf o; ;DaGwL sfo{ eO/x]sf] .
Do"r'cn km08 sf/f]jf/ ug{ a}+s tyf ljQLo sfof{Gjogsf] nflu cfjZos lgodg ljefu
;+:yfx¿nfO{ k|f]T;fxg ul/g] . sf/jfxL cufl8 a9fpg] .
24 117 lghL If]qdf ;fv d"NofÍg ;+:yf vf]Ng k|f]T;fxg gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf shf{ ;"rgf s]Gb|sf] oflGqsLs/0f
ul/g] / shf{ ;"rgf k|0ffnLnfO{ cTofw'lgs ;'ljwf sfof{Gjogsf] nflu cfjZos lgodg ljefu ug]{ sfo{sf] nflu 6]08/ cfXjfg
;DkGg agfpg yk k|efjsf/L sfo{qmdx¿ NofOg] . sfdsf/jfxL cufl8 a9fpg] . eO{ d"NofÍgsf] r/0fdf /x]sf] .
25 118 a}+s tyf ljQLo ;+:yfx¿sf] ;';+rfngsf nflu o; ;DaGwdf cfjZos k|lqmof a}+s tyf ljQLo ;+:yf ljB'tLo e'QmfgL ;DaGwdf kl/kq
ljB'tLo a}+lsË sf/f]jf/sf] nflu cfjZos lgb]{zg cufl8 a9fpg] . lgodg ljefu hf/L eO;s]sf] / ljB'tLo a}+lsË
o; cfly{s jif{leqdf hf/L ul/g] . ;DaGwL k|f/lDes d:of}bf tof/ eO{
5nkmndf /x]sf] .
26 119 ;DklQ z'4Ls/0f -dlg nfp08l/Ë_ lgjf/0f P]g, gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf ldlt @)^^.$.#) df hf/L kl/kq
@)^$ sf] p2]ZonfO{ ;d]t ;xof]u k'¥ofpg ¿ %) sfof{Gjogsf] nflu cfjZos lgodg ljefu, sfg'g cg';f/ pQm Joj:yf sfof{Gjog
nfv jf ;f] eGbf a9Lsf] /sd lemSbf jf hDdf ubf{ sfdsf/jfxL cufl8 a9fpg] . dxfzfvf eO;s]sf] . ljQLo hfgsf/L
clgjfo{?kdf r]s dfkm{t\ ug]{ Joj:yf ul/g] . ;DklQ O{sfOdf yk hgzlQmsf] Joj:yf
z'4Ls/0f sfo{nfO{ lg?T;flxt / cg';Gwfg tyf ul/Psf] tyf cfjZostf cg';f/
sf/jfxL k|lqmofnfO{ k|efjsf/L agfpg ljz]if1 yk ub}{ nlug] .
hgzlQm ;lxtsf] ;+u7gfTds Joj:yf / ljQLo
k|0ffnLnfO{ Jojl:yt kfg{ g]kfn /fi6« a}+sn] cfjZos
Joj:yf ug]{ .
33
27 120 ;"rs ;+:yfx¿sf nflu ;Ldf /sd lgwf{/0f tyf gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf ;Ldf /sd lgwf{/0f eO{ a}+s tyf
cfjZos 5'6 k|bfg ug]{ / tf]lsPsf] ;Ldf eGbf sfof{Gjogsf] nflu cfjZos lgodg ljefu, sfg'g ljQLo ;+:yf, Sofl;gf], ljk|]if0f tyf
dflysf ;a} sf/f]jf/sf] ljj/0f ljQLo hfgsf/L sfdsf/jfxL cufl8 a9fpg] . dxfzfvf /sd :yfgfGt/0f ;DaGwL sf/f]jf/
O{sfOdf k7fpg] Joj:yf o;} cfly{s jif{ @)^^÷^& ug]{ ;+:yf, dlg r]~h/ / ;xsf/L
df ;DkGg ul/g] . ;+:yfx¿nfO{ 5'§f5'§} lgb]{zg hf/L
eO;s]sf] .
28 121 u}/–sfg"gL tyf cft+ssf/L lqmofsnfkdf ljQLo gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf k|rlnt ;DklQ z'¢Ls/0f lgjf/0f
nufgL ug{ /f]s nufpg] sfg"gsf] d:of}bf g]kfn sfof{Gjogsf] nflu cfjZos lgodg ljefu, sfg'g P]g, @)^$ sf] klxnf] ;+zf]wg
;/sf/ ;dIf k]z ul/g] . sfdsf/jfxL cufl8 a9fpg] . dxfzfvf ;DaGwL d:of}bf tof/ u/L o;
;DaGwL Joj:yfnfO{ ;d]6L g]kfn
;/sf/ ;dIf k]z eO;s]sf] .
29 122 g]kfn ;/sf/sf] @)^^.^& sf] ah]6 jQmJodf pNn]v gLltut Joj:yf adf]lhd a}+s tyf ljQLo ;+:yf tYofÍ lng] sfo{ ;DkGg u/L /fo
eP cg'?k ;fgf JolQmut lgIf]kstf{x¿sf] lxt sfof{Gjogsf] nflu cfjZos lgodg ljefu ;'emfjsf] nflu cy{ dGqfno
;+/If0fsf] nflu b'O{ nfv;Ddsf] art tyf d'2tL sfdsf/jfxL cufl8 a9fpg] . k7fOg] .
lgIf]ksf] ;'/If0f clgjfo{ ?kn] u/fpg cfjZos gLltut
tyf ;+:yfut Joj:yf ldnfOg] .
30 123 æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n] gLltut Joj:yf adf]lhd a}+s tyf ljQLo ;+:yf o; ;DaGwdf ldlt @)^^.^.$ df
cfˆgf] :jfldTjdf Pp6f 5'§} n3'ljQ ;+:yf vf]nL ;f] sfof{Gjogsf] nflu cfjZos lgodg ljefu kl/kq hf/L eO;s]sf]] .
;xfos sDkgL dfk{mt\ ljkGg ju{df shf{ k|jfx ug{ sf/jfxL cufl8 a9fpg] .
rfx]df / ;f]sf] nflu cfjZos k|lqmof k'/f u/]df
sf/f]jf/ cg'dlt lbOg] .
31 124 shf{ k|jfxaf6 pTkGg x'g] clws]lGb|t hf]lvdnfO{ sd gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf o; ;DaGwL Joj:yfsf] sfof{Gjog
ug{ / cy{tGqsf ljleGg If]qx¿df shf{ k|jfxnfO{ sfof{Gjogsf] nflu cfjZos lgodg ljefu @)^& df3 ! ut] b]lv x'g] u/L
;j{;'ne agfpg xfn sf]ifdf cfwfl/t ;Ldf k|fylds sf/jfxL cufl8 a9fpg] . ldlt @)^^.*.* df kl/kq hf/L
k"FhLsf] @% k|ltzt / u}/–sf]ifdf cfwfl/t ;d]t u/L
s'n Psn u|fxs shf{ ;Ldf k|fylds k"FhLsf] %) eO;s]sf] .
k|ltzt;Dd sfod /x]sf] Joj:yfnfO{ o; jif{ klg
lg/Gt/tf lbOPsf] . jf;n sf]/ l;4fGtn] sfod u/]sf]
Joj:yfg';f/ ljBdfg Psn u|fxs shf{ ;LdfnfO{ @)^&
;fpg ! ut]b]lv u}/–sf]ifdf cfwfl/t ;Ldf ;d]t u/L
k|fylds k"FhLsf] @% k|ltzt s'n ;Ldf sfod ug{]
Joj:yf ul/Psf] .
34
32 125 ljQLo ;+:yfx¿ Pscfk;df ufleg] sfo{af6 k"FhLsf] o; ;DaGwdf cfjZos a}+s tyf ljQLo ;+:yf ufEg]÷ufleg] k|lqmofnfO{ lg/Gt/tf
cfwf/ lj:tf/ x'g uO{ ljQLo If]q ;'b[9Ls/0fdf ;d]t sf/jfxL cufl8 a9fpg] . lgodg ljefu lbOPsf] . of] cjlwdf @ j6f ljQ
;xof]u k'Ug] ePsf]n] jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLx¿ Pscfk;df uflePsf] .
sDkgLx¿ cf–cfˆgf] ljQLo v08aLr Pscfk;df
ufleg] k|lqmofnfO{ k|f]T;fxg ug]{ gLlt lnOg] .
33 127 /fli6«o dxTjsf k"jf{wf/ ljsf;sf] nflu clws]lGb|t gLltut Joj:yfsf] a}+s tyf ljQLo ;+:yf k"jf{wf/ ljsf; a}+s :yfkgf
hf]lvd Joj:yfkg ug]{ /0fgLlt lnO{ k"jf{wf/ lgdf{0fsf] sfof{Gjogsf] nflu cfjZos lgodg ljefu ;DaGwdf gLltut Joj:yf x'Fb}
If]qnfO{ >f]t / ;fwgsf] cefj x'g glbg cfjZos sfdsf/jfxL cufl8 a9fpg] . u/]sf] .
gLltut Joj:yf ul/g] .
34 128 g]kfn /fi6« a}+s P]g, @)%* df ePsf] Joj:yf o; ;DaGwdf cfjZos a}+s tyf ljQLo ;+:yf o; sfo{nfO{ lg/Gt/tf lbOPsf] .
jdf]lhd ljleGg ljQLo ;+:yfx?df /x]sf] o; a}+ssf] sf/jfxL cufl8 a9fpg] . lgodg ljefu
z]o/ ljlgj]z ul/g] sfo{nfO{ lg/Gt/tf lbOg] .
35 129 o; a}+s / a}+s tyf ljQLo ;+:yfx¿sf] clwsf+z z]o/ o; ;DaGwdf cfjZos a}+lsË sfof{no pQm sfo{sf] nflu cfjZos sfo{
:jfldTj /xg] u/L ;dfzf]wg u[xsf] sfd ug]{ Pp6f sf/jfxL cufl8 a9fpg] . cufl8 al9/x]sf] .
5'6} ;+:yf v8f u/L ;+rfngdf Nofpg g]kfn lSnol/ª
xfp; ln= :yfkgf eO;s]sf]n] o; ;DaGwL ;Dk"0f{
sfg"gL, k|zf;lgs / k|fljlws k|lqmofx? k'/f u/L
oyflz3| ;dfzf]wg u[x ;+rfngdf NofOg] .
36 130 /fi6« a}+ssf] b}lgs e'QmfgL tyf lx;fj ldnfg sfo{ o; ;DaGwdf cfjZos ;"rgf k|ljlw ljefu, o; ;DaGwL cfjZos sfo{ eO/x]sf] .
xfn o; a}+ssf] KBOSYS System sf] Software sf/jfxL cufl8 a9fpg] . a}+lsË sfof{no
af6 ;+rfng eO/x]sf]df ;f] Software nfO{ s]Gb|Lo
a}+s:t/sf] ABBS nfu" ug{ ;lsg] Software
;+rfng ug]{ u/L ;"rgf k|0ffnLnfO{ cfw'lgsLs/0f ug{]
sfo{sf] yfngL ul/g] .
37 131 o; a}+saf6 ;Lldt a}+lsË sf/f]jf/ ug{ Ohfht k|fKt gLltut Joj:yfsf] ljZn]if0f a}+s tyf ljQLo ;+:yf ldlt @)^^.&.@# df kl/kq hf/L u/L
ljQLo dWo:ytfsf] sf/f]jf/ ug]{ u}/–;/sf/L ;lxt sfof{Gjogsf] nflu lgodg ljefu pQm Joj:yf sfof{Gjog eO;s]sf] .
;+:yfx¿n] xfn To:tf ;+:yfx¿ btf{ ePsf] lhNnfdf cfjZos sfdsf/jfxL cufl8
dfq sfo{If]q ;Lldt ug'{kg]{ Joj:yf /x]sf]df o; a9fpg] .
a}+sn] tf]s]sf] dfkb08 k"/f u/]sf] cj:yfdf To:tf
;+:yfx¿ btf{ ePsf] lhNnf jfx]s cGo lhNnfx¿df
klg cfˆgf] sfo{If]q lj:tf/ ug{ ;Sg] Joj:yf ul/g] .
35
38 133 jf;n sf]/ l;4fGt nfu" ePsf] kl/k|]Iodf :ynut gLltut Joj:yfsf] ljZn]if0f a}+s÷ljQLo ;+:yf :ynut lgl/If0f k|lta]bgsf] u'0f:t/df
lg/LIf0f k|ltj]bgsf] u'0f:t/ ;'wf/ ug{ ;f]sf] ;lxt cfjZos sfdsf/jfxL ;'kl/j]If0f ljefu ;'wf/ Nofpg ;f]sf] 9fFrf kl/dfh{g u/L
ljBdfg 9f+rfdf k'g/fjnf]sg / kl/dfh{g ul/g] . cufl8 a9fpg] . nfu" ul/;lsPsf] .
39 134 zL3| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL, gLltut Joj:yfsf] ljZn]if0f a}+s ;'kl/j]If0f ljefu dfl;s ?kdf cg'udg ug]{ ul/Psf] .
@)^$ b]lv nfu" eO;s]sf] ;Gbe{df o; ;lxt sfof{Gjogsf] nflu
ljlgodfjnLsf] sfof{Gjogaf6 a}+s tyf ljQLo cfjZos sfdsf/jfxL cufl8
If]qdf cfOkg{] ;d:ofx¿nfO{ ;dod} ;'wf/ ug{ a9fpg] .
d2t k'Ug] / ;f]sf] sfof{Gjog Pjd\ cg'udgsf]
k|s[ofnfO{ cem k|efjsf/L agfOg] .
40 135 cfly{s jif{ @)^#.^$ df jf;n sf]/ l;4fGtx¿sf] gLltut Joj:yf adf]lhd a}+s ;'kl/j]If0f ljefu jf;n sf]/ l;4fGt sfof{Gjog
:jd"NofÍg ug{] sfo{ ;DkGg u/L pQm k|s[ofaf6 sfof{Gjogsf] nflu cfjZos of]hgfdf pNn]lvt Joj:yfdf
b]lvPsf sdL sdhf]/Lx¿nfO{ lglb{i6 ;dodf k"/f sfdsf/jfxL cufl8 a9fpg] . k'g/fjnf]sg ul/;lsPsf] / o;nfO{
ug{] u/L nIo ;lxtsf] jf;n sf]/ l;4fGt r/0fa4 ?kdf sfof{Gjog ul/g] .
sfof{Gjog of]hgf th'{df eO{ sfof{Gjogdf
cfO;s]sf] ;Gbe{df pQm of]hgfdf pNn]lvt
sfo{x¿ ;doj4?kdf sfof{Gjog ug{sf nflu ;do
tflnsf / pNn]lvt Joj:yfnfO{ k'g/fjnf]sg
ul/g] .
41 136 ljb]zL a}+s tyf ljQLo ;+:yfx¿sf] yf]s shf{ gLltut Joj:yf adf]lhd a}+s ;'kl/j]If0f ljefu xf]d–x]fi6 ;'kl/j]IfsLo ;DaGwsf]
sf/f]jf/sf nfflu zfvf tyf sfof{no g]kfndf v'Ng sfof{Gjogsf] nflu cfjZos ;dembf/L kqsf] d:of}bf tof/
;Sg] ;DefjgfnfO{ dWogh/ ub}{ o; jif{ xf]d–xf]i6 sfdsf/jfxL cufl8 a9fpg] . eO;s]sf] .
;'kl/j]IfsLo ;DaGwsf] ;dembf/Lkq tof/ ul/g] .
;fy}, qm; af]8{/ a}+lsË tyf ;+:yfut ;'zf;g
;DaGwL sfo{x¿df hf]8 lbOg] .
42 138 u}/–:ynut ;'kl/j]IfsLo Ifdtfdf clej[l4 ub{} gLltut Joj:yf adf]lhd a}+s÷ljQLo ;+:yf o; ;DaGwL sfo{bn u7g eO{
n}hfg] p2]Zo cg'?k u}/–:ynut ;'kl/j]If0f cfjZos sfdsf/jfxL cufl8 ;'kl/j]If0f ljefu sfof{/De eO;s]sf] .
;DaGwL ljBdfg k"j{ ;r]ttf k|0ffnLnfO{ cem a9L a9fpg] .
k|efjsf/L agfpFb} nlug] . o; qmddf jfl0fHo
a}+sx¿sf] xsdf bjfj k/LIf0f (Stress Testing)
ug]{ sfo{ k|lqmofnfO{ cufl8 a9fOg] .
36
43 139 ljQLo If]qdf a9\b} uPsf] k|lt:kwf{, gof‘ ljQLo pks/0f gLltut Joj:yf adf]lhd a}+s ;'kl/j]If0f ljefu a}+snfO{ hf]lvdsf] cfwf/df lg/LIf0f
Pjd\ ;]jfx?sf] tLj| ultdf lj:tf/ eO/x]sf] kl/k|]Iodf cfjZos sfdsf/jfxL cufl8 ul/g] ljlwsf] nflu d:of}bf tof/ ug]{
k/Dk/fut (Compliance Based) lg/LIf0f tyf a9fpg] . qmddf /x]sf] .
;'kl/j]If0f kof{Kt gx'g] x'Fbf cfufdL jif{x¿df
a}+sx¿nfO{ hf]lvdsf cfwf/df lg/LIf0f ul/g] ljlw
of]hgfj4 ?kdf tof/ u/L nfu" ul/g] . ;fy}, a}+lsË
If]qdf b]vf kg{ ;Sg] ljleGg hf]lvdx¿sf] klxrfg tyf
Go"gLs/0f ug]{ sfo{sf nflu hf]lvd Joj:yfkg lgb]{lzsf
tof/ u/L nfu" ul/g] .
44 140 ljkGg ju{df k|jfx x'g] shf{nfO{ lglb{i6 ju{;Dd kx'Fr gLltut Joj:yf adf]lhd a}+s÷ljQLo ;+:yf o:tf] shf{sf] lg/Gt/ cg'udg eO/x]sf]
k'¥ofpg o; k|sf/sf] shf{ k|jfx eP÷gePsf] cfjZos sfdsf/jfxL cufl8 ;'kl/j]If0f ljefu, / tf]lsPcg';f/ shf{ k|jfx gug]{ a}+s
cg'udg ug]{ / nIo cg'?k shf{ k|jfx gu/]df a9fpg] . a}+s tyf ljQLo ;+:yf tyf ljQLo ;+:yfx¿nfO{ u}/–:ynut /
a}+sx¿nfO{ xhf{gf nufpg] sfo{nfO{ lg/Gt/tf lbOg] . lgodg ljefu :ynut lg/LIf0fsf cfwf/df xhf{gf
nufpg] sfo{ eO/x]sf] .
45 141 a}+lsË If]qsf] t/ntf l:ylt tyf ;f] ;DaGwL hf]lvdnfO{ gLltut Joj:yfsf] ljZn]if0f cg';Gwfg ljefu÷ b}lgs ?kdf t/ntf l:yltsf] cg'udg
;dod} klxrfg ug{ / v'nf ahf/ sf/f]jf/nfO{ ;xof]u ;lxt sfof{Gjogsf] nflu a}{s ;'kl/j]If0f ljefu ug]{ ul/Psf] .
k'¥ofpg b}lgs ?kdf a}+lsË If]qdf /x]sf] t/ntfnfO{ cfjZos sfdsf/jfxL cufl8
cg'udg ug]{ sfo{nfO{ k|efjsf/L agfOg] . a9fpg] .
46 142 Psn shf{ ;Ldf ;DaGwL lgb]{zg kl/kfngf gLltut Joj:yf adf]lhd a}+s tyf ljQLo ;+:yf o; ;DaGwL ;km\6j]o/ (software)
eP÷gePsf] cg'udg ug{ ;d]t ;xof]u k'Ug] u/L cfjZos sfdsf/jfxL cufl8 lgodg ljefu, a}+s tof/ u/L a}+sx¿nfO{ pknAw u/fO{
7"nf C0fLx¿ / To:tf C0fLx¿n] pkef]u u/]sf] a9fpg] . ;'kl/j]If0f ljefu ;lsPsf] .
a}+lsË ;'ljwf ;DaGwL Plss[t tYofÍ tof/ ul/g] .
47 144 /fli6«o n3'ljQ gLlt, @)^$ cg'?k ljQLo gLltut Joj:yf adf]lhd a}+s tyf ljQLo ;+:yf n3''ljQ P]gsf] d:of}bf tof/
dWo:ytfsf] sf/f]jf/ ug{ :jLs[t k|fKt n3' ljQ cfjZos sfdsf/jfxL cufl8 lgodg ljefu, n3' ul/;lsPsf] / pSt d:of}bfnfO{ clGtd
lasf; a}+s tyf cGo ;xsf/L÷u}/–;/sf/L a9fpg] . ljQ ljefu ?k lbg u|fdL0f :jfanDjg sf]ifsf]
;+:yfx¿sf] lgodg, lg/LIf0f tyf ;'kl/j]If0fsf] nflu ;+rfns ;ldlt ;dIf k]z ul/Psf] .
Ps 5'§} bf]>f] txsf] lgsfo (Second Tier
Institution) u7g / n3' laQ ljsf; sf]ifsf] /sd
kl/rfng ug]{ sfo{ ;d]t ;dfj]z u/L cfly{s aif{
@)^^÷^& sf] dWo;Dddf n3' ljQ P]gsf] d:of}bf
tof/ u/L g]kfn ;/sf/ ;dIf k]z ul/g] .
37
48 145 n3' kl/of]hgf tyf C0fLx?sf] c;kmntfsf] cj:yfdf gLltut Joj:yfsf] n3' ljQ ljefu o; ;DaGwL Joj:yfnfO{ sfof{Gjogdf
shf{sf] ;'/If0f ug]{ u/L lghL If]qsf] ;xeflutfdf sfof{Gjogsf] nflu cfjZos Nofpg cfjZos sfo{ eO/x]sf] .
n3' ljQ ;'/If0f ;DaGwL ;+:yfx? :yfkgf ug{ OR5's sfdsf/jfxL cufl8 a9fpg] .
b]lvPdf To:tf] sfo{nfO{ pTk|]l/t ul/g] .
49 147 d'n'sdf n3' ljQ ;DaGwL ultljlw, sfg"gL, gLltut gLltut Joj:yf adf]lhd n3' ljQ ljefu pQm p2]Zosf nflu n3'ljQ ljefudf
/ ljBdfg sfo{k|0ffnL ;DaGwL ;du| cj:yfsf] af/]df cfjZos sfdsf/jfxL cufl8 tYofÍ kmFf6 v8f u/L ;"rgf tyf
hfgsf/L u/fpg] lgsfosf] cefj b]lvPsf] kl/k|]Iodf a9fpg] . tYof+s Jojl:yt ug]{ sfd eO/x]sf] /
o; ;DaGwL ;"rgf tyf tYofÍx¿ Jojl:yt u/L pQm sfd ;DkGg eO;s]kl5 ;j{;fwf/0f
;fj{hlgs hfgsf/Lsf nflu k|sfzg ul/g] . / ;/f]sf/jfnfx¿sf] hfgsf/Lsf nflu
k|sfzg ;d]t ul/g] of]hgf /x]sf] .
50 148 ax'/fli6«o sDkgLx¿n] cfˆgf If]qLo sfof{no ef/tdf gLltut Joj:yfsf] cg'udg ljb]zL ljlgdo ldlt @)^^÷$÷!* df kl/kq hf/L
:yfkgf u/L g]kfn nufot o; If]qsf d'n'sx¿;Fusf] ;lxt sfof{Gjogsf] nflu Joj:yfkg ljefu u/L pQm Joj:yf sfof{Gjog
sf/f]jf/ ;f]xL sfof{noaf6 ug{ yfn]sfn] ef/tl:yt cfjZos sfdsf/jfxL cufl8 eO;s]sf] .
To:tf sfof{nosf] gfddf k|lttkq vf]nL t]>f] a9fpg] .
d'n'sdf lgld{t j:t'x¿ ef/t jf t]>f] d'n'saf6
lzkd]G6 u/]sf] cfwf/df x'g] cfoftsf] e'QmfgL kl/jTo{
ljb]zL d'b|fdf ef/tdf ;d]t ug{ ;lsg] Joj:yf
ul/g] .
51 149 lab]zdf C0f lng] k|of]hg afx]s ljb]zl:yt s'g} gLltut Joj:yfsf] cg'udg ljb]zL ljlgdo ldlt @)^^÷$÷!* df hf/L kl/kq
lgsfonfO{ g]kfnaf6 a:t' lgof{t tyf ;]jf pknAw ;lxt sfof{Gjogsf] nflu Joj:yfkg ljefu cg';f/ pSt Joj:yf sfof{Gjog
u/fpg] nufotsf ljljw Joj;fo ug{ Pjd\ ;f] cfjZos sfdsf/jfxL cufl8 eO;s]sf] .
k|of]hgsf] nflu clu|d e'QmfgL lng cfjZos kg]{ a9fpg] .
ljb]zL d'b|f -ef/tLo ?k}of ;d]t_ sf] a}+s Uof/]06L
(Bid Bond, Performance Bond) hf/L ug{ o;
a}]+saf6 :jLs[lt lng' kg]{ Joa:yf /x]sf]df cab]lv
o:tf a}+s Uof/]06Lx? "s" ju{sf a}+sx?n] hf/L ug{
;Sg] Joa:yf ul/g] .
38
52 150 g]kfn e|d0fdf cfPsf ljb]zL ko{6sn] Ohfhtkqk|fKt o; ;DaGwdf cfjZos ljb]zL ljlgdo ldlt @)^^÷$÷!* df hf/L kl/kq
a}+s tyf ljQLo ;+:yf / dlgr]~h/;Fu ;6xL u/]sf] gLltut Joj:yf ldnfOg] . Joj:yfkg ljefu cg';f/ pQm Joj:yf sfof{Gjog
g]kfnL ?k}of vr{ geO{ afFsL /x]sf] cd]l/sL 8n/ !)) eO;s]sf] .
jf ;f] a/fa/;Ddsf] ljb]zL d'b|f ;6xL ug{ Foreign
Exchange Encashment Receipt (FEER) cfjZos
gkg]{ Joj:yf ul/g] .
53 151 Documentary Collection cGt/ut Documents gLltut Joj:yfsf] cg'udg ljb]zL ljlgdo ldlt @)^^÷$÷!* df hf/L kl/kq
Against Payment (DAP) sf] dfWodaf6 dfq cfoft ;lxt sfof{Gjogsf] nflu Joj:yfkg ljefu cg';f/ pQm Joj:yf sfof{Gjog
ug{ kfOg] Joj:yf /x]sf]df O06/g]zgn RofDa/ ckm cfjZos sfdsf/jfxL cufl8 eO;s]sf] .
sd;{sf] Uniform Rules for Collections (URC), ICC a9fpg] .
Publication No. 522 df ePsf] k|fjwfg ;d]t cg';f/
"s" ju{sf a}+s / /fli6«o :t/sf "v" ju{sf ljQLo
;+:yf dfk{mt\ sf/f]jf/ ug'{ kg]{ zt{df DA (Documents
against Acceptance) sf] dfWodaf6 klg cfoft ug{
;lsg] Joj:yf ul/g] .
54 152 k|lttkq sf/f]jf/df ckgfpg' kg]{ k|s[of cg';f/ g} 8«fˆ6 o; ;DaGwdf cfjZos ljb]zL ljlgdo ldlt @)^^÷$÷!* df hf/L kl/kq
6L=6L= tyf 8s'd]06/L sn]S;g dfk{mt\ klg Pkm=cf]=aL= gLltut Joj:yf ldnfOg] . Joj:yfkg ljefu cg';f/ pQm Joj:yf sfof{Gjog
d"Nodf cfoft ug{ kfOg] Joj:yf ul/g] . eO;s]sf] .
55 153 kl/jTo{ ljb]zL d'b|f e'QmfgL u/L ef/taf6 cfoft ug{ o; ;DaGwdf cfjZos ljb]zL ljlgdo gLltut Joj:yf sfof{Gjog eO/x]sf]
kfOg] j:t'x¿sf] ;"rL yk ub}{ hfg] ;fljssf] gLltnfO{ gLltut Joj:yf ldnfOg] . Joj:yfkg ljefu tyf o:tf j:t'x¿sf] ;+Vof !#&
oyfjt /flvPsf] . k'¥ofOPsf] .
56 154 g]kfnsf Joj;foLx?n] O06/g]6 dfk{mt\ cfˆgf pTkfbg gLltut Joj:yfsf] cg'udg / ljb]zL ljlgdo ldlt @)^^÷$÷!* df hf/L kl/kq
tyf ;]jf laqmL tyf lgsf;L ug{ ;xh x'g] u/L O06/g]6 sfof{Gjogsf] nflu cfjZos Joj:yfkg ljefu cg';f/ pQm Joj:yf sfof{Gjog
dfk{mt\ cGt//fli6«o 8]lj6÷q]ml86 sf8{jf6 e'QmfgL sfdsf/jfxL cufl8 a9fpg] . eO;s]sf] .
:jLsf/ ug{ ;lsg] Joj:yf ul/g] .
57 155 ljleGg k|of]hgsf] nflu JolQm tyf ;+3÷ ;+:yfx¿ / o; ;DaGwdf cfjZos ljb]zL ljlgdo ldlt @)^^÷$÷!* df hf/L kl/kq
a}+s tyf laQLo ;+:yfx¿nfO{ cd]l/sL 8n/ $,))) gLltut Joj:yf ldnfOg] . Joj:yfkg ljefu cg';f/ pQm Joj:yf sfof{Gjog
;Ddsf] ;6xL ;'ljwf "s" ju{ sf a}+s / /fli6«o :t/sf eO;s]sf] .
"v" ju{sf ljQLo ;+:yfx¿af6 cfjZos sfuhftsf]
cfwf/df ;f]e}m k|fKt ug{ ;lsg] Joj:yf /x]sf]df o:tf]
;6xL ;'ljwfsf] ;Ldf j[l4 u/L cd]l/sL 8n/ ^,)))
;Dd k'¥ofOg] .
39
cg';"rL @
df}lb|s ;j]{If0fsf] k|If]k0f
-¿= s/f]8df_ jflif{s kl/jt{g
2064 2065 2066 2067 2068 2065/66 2066/67 2067/68
c;f/ c;f/ c;f/ c;f/ c| c;f/ k| /sd k|ltzt /sd k|ltzt /sd k|ltzt
!= v'b j}b]lzs ;DklQ 13190.90 17145.50 22108.37 20711.87 21611.87 4128.02 1

24.08 -500.00 2
-2.26 900.00 4.35
!=! j}b]lzs ;DklQ 16571.40 21325.40 28054.09 26519.17 28244.17 6728.69 31.55 -1534.92 -5.47 1725.00 6.50
!=@= ljb]zL d'b|f lgIf]k 2824.70 3422.90 5179.47 4976.20 5511.20 1756.57 51.32 -203.27 -3.92 535.00 10.75
!=# cGo j}b]lzs bfloTj 555.70 757.00 766.25 831.10 1121.10 9.25 1.22 64.85 8.46 290.00 34.89
@= v'b cfGtl/s ;DklQ 26360.90 32392.20 41166.17 51413.13 61362.14 9608.81 1
29.66 9350.46 2
22.71 9949.01 19.35
@=! s'n cfGtl/s shf{ 36055.80 43727.00 55363.25 65866.22 75774.98 11636.25 26.61 10502.97 18.97 9908.76 15.04
s'n cfGtl/s shf{ * 37658.20 45329.40

s= ;/sf/nfO{ uPsf] v'b shf{ 7834.40 8708.00 10486.77 13141.73 14995.35 1778.77 20.43 2654.96 25.32 1853.62 14.10
c= ;/sf/dflysf] bfjL 8146.60 9102.60 10486.77 13141.73 14995.35 1384.17 15.21 2654.96 25.32 1853.62 14.10
cf= ;/sf/L lgIf]k 312.30 394.60 0.00 0.00 0.00 -394.60 -100.00 0.00 - 0.00 -
v= ;/sf/L ;+:yfgx?nfO{ uPsf] shf{ 873.70 1035.60 1265.16 1446.69 1553.91 229.56 22.17 181.53 14.35 107.22 7.41
ljQLo 362.20 471.00 755.92 875.84 963.06 284.92 60.49 119.92 15.86 87.22 9.96
u}/–ljQLo 511.50 564.60 509.24 570.85 590.85 -55.36 -9.81 61.61 12.10 20.00 3.50
u= lghL If]qnfO{ uPsf] shf{ 27347.70 33983.40 43611.32 51277.80 59225.72 9627.92 28.33 7666.48 17.58 7947.92 15.50
lghL If]qnfO{ uPsf] shf{ * 28950.10 35585.80
@=@= v'b cdf}lb|s bfloTj 9694.90 11334.80 14197.08 14453.09 14412.84 2027.44 1
17.89 1152.51 2
8.12 -40.25 -0.28
v'b cdf}lb|s bfloTj * 11297.30 12809.20

#= lj:t[t d'b|f k|bfo - M@_ 39551.80 49537.70 63274.53 72125.00 82974.01 13736.83 27.73 8850.47 13.99 10849.01 15.04
#=! d'b|f k|bfo -M!_ 12688.80 15434.40 19646.08 21615.00 24511.56 4211.68 27.29 1968.92 10.02 2896.56 13.40
s= d'b|f 8355.30 10017.50 12576.00 14440.00 16495.96 2558.50 25.54 1864.00 14.82 2055.96 14.24
v= rNtL lgIf]k 4333.40 5416.90 7070.08 7175.00 8015.60 1653.18 30.52 104.92 1.48 840.60 11.72
#=@ cfjlws lgIf]k 26863.00 34103.30 43628.45 50510.00 58462.45 9525.15 27.93 6881.55 15.77 7952.45 15.74
$= lj:t[t df}lb|s t/ntf - M#_ 42376.50 52960.60 68454.01 77101.20 88485.21 15493.41 29.25 8647.19 12.63 11384.01 14.77
c = ;+zf]lwt cg'dfg
k| = k|If]lkt
!= ljb]zL ljlgdo b/ d"NofÍg gfkmf ?= *#$=*$ s/f]8 ;dfof]hg u/L .
@= ljb]zL ljlgdo b/ d"NofÍg gf]S;fg ?= *(^=% s/f]8 ;dfof]hg u/L .
* g]kfn a}+s lnld6]8 / /fli6«o jfl0fHo a}+sn] ckn]vg u/]sf] shf{nfO{ ;dfof]hg ubf{ . g]= a}+= ln= n] @)^# c;f/ dlxgfdf ? !! ca{ % s/f]8 / @)^# c;f]h dlxgfdf ? @ ca{ *& s/f]8
shf{ ckn]vg u¥of] . /f= jf= a}+sn] @)^# d+l;/ dlxgfdf ? !# ca{ !% s/f]8 shf{ ckn]vg u/]sf] 5 .
df}lb|s gLlt @)^&.^*
cg';"rL 3
kl/jTo{ ljb]zL d'b|f e'QmfgL u/L ef/taf^
cfoft ug{ kfOg] j:t'x¿sf] ;"rL
l;=g+= xf/df]lgs sf]* gDa/ ;fdfgsf] gfd

1 efu 13=01=02 df pNn]v ePsf] Extracts
2 efu 21=06=90=40 df pNn]v ePsf] Soft Drink Concentrate
3 efu 27=10=19=11 df pNn]v ePsf] Furnace Oil
4 efu 27=13=20 df pNn]v ePsf] Bitumen
5 efu 28 df pNn]v ePsf] o; efudf pNn]lvt ;j} cf}Bf]lus /;fogx?
-dfgj cf}iflw agfpg] s]ldsn afx]s_
6 efu 28=03 df pNn]v ePsf] sfj{g ANofs (Carbon Black)
7 efu 29=01=10 df pNn]v ePsf] L.L.P. (Light Liquid Paraffin )
8 efu 29=02=20 df pNn]v ePsf] Benzene / Toluene
9 efu 29=05=11 df pNn]v ePsf] Methanol
10 efu 29=05=16=00 df pNn]]v ePsf] 2-Ethyl Hexanol
11 efu 29=05=31 df pNn]v ePsf] Ethylene Glycol
12 efu 29=05=44=00 pNn]v ePsf] Sorbitol
13 efu 29=15=00 df pNn]v ePsf] Methylene Salicylate
14 efuf 29=15=21=00 df pNn]v ePsf] Acetic Acid
15 efu 29=15=32 df pNn]v ePsf] Vinyl Acetate Monomer
16 efu 29=16=12 df pNn]v ePsf] Buty Acraylate Monomer / 2 Etyl Hexyls
Acrylate
17 efu 29=17=34 df pNn]v ePsf] Dibutyl Phthalate
18 efu 29=17=35 df pNn]v ePsf] Phthalic Anhydride
19 efu 29=17=36 df pNn]v ePsf] Terephthalic Acid
20 efu 29=22 df pNn]v ePsf] Oxygen Function Amino-Compounds
21 efu 29=24 df pNn]v ePsf] Carboxamide-Function Compounds
22 efu 29=33 df pNn]v ePsf] Heterocyclic compound
23 efu 29=34 df pNn]v ePsf] Nucleic Acids
24 efu 29=41 df pNn]v ePsf] Antibiotics
25 efu 32=15 df pNn]v ePsf] Printing Ink
26 efu 33=02=90 df pNn]v ePsf] Flavour -^"yk]i^df k|of]u x'g] sRrf kbfy{_,
Odoriferous Substances / Perfume
27 efu 34=02=90=10 df pNn]v ePsf] LABSA -l*^/h]G^df k|of]u x'g] sRrf kbfy{_
28 efu 38=17=10 df pNn]v ePsf] Mixed Alkyl benzenes
29 efu 38=23=11=00 df pNn]v ePsf] Stearic Acid
30 efu 38=23=19 df pNn]v ePsf] Palm Steearin DFA / Palm Karnel DFA
31 efu 39=01= sf] 10 / 20 df pNn]v ePsf] Polyethylene
32 efu 39=02=10 df pNn]v ePsf] Polypropylene
33 efu 39=03=19=00 df pNn]v ePsf] Polysterence
34 efu 39=05=30 df pNn]v ePsf] Polyvinyl Alcohol
35 efu 39=07=60=00 df pNn]v ePsf] Plastic Pet Chips / Pet Resin
36 efu 39=11=90 df pNn]v ePsf] PVC Resin
41

37 efu 39=20 df pNn]v ePsf] Polethelyne
38 efu 39=20=20 df pNn]v ePsf] Polypropylene Films/Noodle Strapper
39 efu 39=20=59 df pNn]v ePsf] Printed Laminated Web
40 efu 39=20=59=00 df pNn]v ePsf] Seasoning Wrapper
41 efu 40=01 df pNn]v ePsf] k|fs[lts /a/ (Natural Rubber)
42 efu 40=02 df pNn]v ePsf] l;Gy]l^s /a/ (Synthetic Rubber)
43 efu 48=01=00=00 df pNn]v ePsf] News Print Paper
44 efu 48=02=00 df pNn]v ePsf] sfuhx? (Papers)
45 efu 48=06=00 df pNn]v ePsf] sfuhx? (Papers)
46 efu 48=10 df pNn]v ePsf] Paper
47 efu 50=04 df pNn]v ePsf] l;Ns ofg{ (Silk Yarn)
48 efu 50=05 df pNn]v ePsf] l;Ns ofg{ (Silk Yarn)
49 efu 51=06 df pNn]v ePsf] pgL ofg{ Yarn of Carded wool -xf]lhof/L
jfx]s_
50 efu 51=07 df pNn]v ePsf] pgL ofg{ Yarn of Combed wool -xf]lhof/L
jfx]s_
51 efu 51=08 df pNn]v ePsf] pgL ofg{ Yarn of fine animal hair -xf]lhof/L
jfx]s_
52 efu 52=01 df pNn]v ePsf] skf;
53 efu 52=05=11 b]lv 52=05=14 ;Dd / s^g ofg{
52=06=11 b]lv 52=06=14 ;Dd pNn]v ePsf]
54 efu 54=02=42 df pNn]v ePsf] kf]lni^/ kfl;{onL cf]l/G^]* ofg{
-54=02=42=00 df pNn]lvt Partially
Oriented Polyester Yarn / 54=02=49 df
pNn]lvt Synthetic Filament Yarn afx]s_
55 efu 54=02=49 df pNn]v ePsf] Synthetic Filament Yarn
56 efu 54=03, 55=9, 55=10 df pNn]v ePsf] s[[lqd ofg{ -xf]lhof/L ofg{ afx]s_
57 efu 55=01, 55=02 ,55=03, 55=04, 55=06, dfgj lgld{t s[lqd kmfOj/x?
55=07 df pNn]v ePsf]
58 efu 55=03=20 df pNn]v ePsf] kf]lni^/ kmfOj/
59 efu 55=04=10 df pNn]v ePsf] le:sf]h /]og Viscose Rayon -kmfOj/_÷
Viscose Staple Fiber
60 efu 59=02 df pNn]v ePsf] ^fo/ s*{ km]la|s (Tyre Cord)
61 efu 70=10=90=00 df pNn]v ePsf] Carboys, Bottles, Plasks, Jar, Pots.
62 efu 72=03=10=00 df pNn]v ePsf] Sponge Iron
63 efu 72=04=49 df pNn]v ePsf] M. S. Scrap
64 efu 72=06 df pNn]v ePsf] kmnfd -Oguf]^_ Iron Ingots
65 efu 72=07 df pNn]v ePsf] dfON* l:^n lan]^
66 efu 72=08 sf] 27=00, 36=00, 37=00, 38=00, x^/f]n l;^ O{g Sjfon tyf x^/f]n l;^ g^
39=00, 51=00, 52=00 df pNn]v ePsf] efu O{g Sjfon
72=08=51 / 72=08=52 df pNn]v ePsf]
67 efu 72=09 sf] 15=00, 16=00, 17=00 / sf]N*/f]n l;^ O{g Sjfon
18=00 df pNn]v ePsf]
68 efu 72=10=12 df pNn]v ePsf] l^g Kn]^
42

69 efu 72=11=14=00 df pNn]v ePsf] Hot Rolled Sheet in Coil
70 efu 72=11=19=00 df pNn]v ePsf] Hot Rolled Sheet in Coil
71 efu 72=13=91=10 df pNn]v ePsf] Pd= P;= jfo/ /* O{g Sjfon
72 efu 72 sf] 72=17=20, 72=17=30, 72=17=90 Bead Wire -sk/ sf]^]*_
df pNn]v ePsf]
73 efu 72=18=99 df pNn]v ePsf] l:^n Ao'd
74 efu 72=19 df pNn]v ePsf] l:^n Kn]^
75 efu 72=26=11 df pNn]v ePsf] Silicon Steel
76 efu 74=04 df pNn]]v ePsf] Aluminum Copper/Brass Scraps Re-Melted
Ingots (jftfj/)f, lj!fg tyf k||ljlw dGqfnosf]
;"rgf adf]lhd dfq_
77 efu 74=07=10=00 df pNn]v ePsf] Copper Rods
78 efu 74=08=11=00 df pNn]v ePsf] Copper Wire
79 efu 76=01 df pNn]v ePsf] cfNdf]lgod O{gu^ lan]^
80 efu 76=02=00 df pNn]v ePsf] cfNdf]lgod j]:^ -jftfj/)f lj!fg tyf k|ljlw
dGqfnosf] ldlt 2064 ;fpg 29 sf]
;"rgfcg';f/_
81 efu 76=04 / 76=05 df pNn]v ePsf] cfNdf]lgod /* O{g Sjfon
82 efu 76=12=10=00 df pNn]v ePsf] Tubes
83 efu 79=01=11=00 df pNn]v ePsf] Zinc
84 efu 79=01=20 df pNn]v ePsf] Zinc Alloy
85 efu 83=09=10=00 df pNn]v ePsf] Metal Crown Corks
86 efu 84 df pNn]v ePsf] ;Dk")f{ d]l;g/L pks/)fx? -kf^{k"hf{ afx]s_
87 efu 85=01, 85=02 df pNn]v ePsf] ljB'tLo df]^/, h]g]/]l^ª ;]^
88 efu 85=04=90 df pNn]v ePsf] Amorphous Matalcores
89 efu 85=07=90=00 df pNn]v ePsf] PP Battery Container & Battery Separator
90 efu 85=29=90 df pNn]v ePsf] TV PictureTube
91 efu 85=40=11 df pNn]v ePsf] Spare Parts for TV Receiver
92 efu pNn]v gePsf] tof/L kf]zfs lgof{t pBf]un] cfkm\gf] kl/jTo{
ljb]zL d'b|f cfh{gsf] 50 k|ltzt;Ddsf] cfh{gn]
vfDg] u/L sRrf kbfy{sf] ?kdf cfot ug{
kfpg] sk*f (Fabrics)
@)^$ a}zfv $ ut]b]lv nfu" x'g] u/L yk ePsf
j:t'x?sf] ;"rL
93 efu 17=02=30 df pNn]v ePsf] Dextrose Anhydrous I.P.
94 efu 25=23=10=00 df pNn]v ePsf] lSn+s/
95 efu 27=10=19=16 df pNn]v ePsf] Pd=^L=cf]= -ldg/n ^/k]G^fO{g cfon_
96 efu 27=10=19=90 df pNn]v ePsf] k]^«f];f]n
97 efu 29=16 df pNn]v ePsf] Unsaturated acyclin Monocarboxylic Acid
98 efu 29=35 df pNn]v ePsf] Sulphonamides: Sulphamethoxazole,
Sulphafurazole, Sulphadiazine, Sulphadimidine,
Sulphacetamide
99 efu 29=35=11 df pNn]v ePsf] Sulphamethoxazole
100 efu 29=35=12 df pNn]v ePsf] Sulphafurazole
43

101 efu 29=35=13 df pNn]v ePsf] Sulphadiazine
102 efu 29=35=14 df pNn]v ePsf] Sulphadimidine
103 efu 29=35=15 df pNn]v ePsf] Sulphacetamide Sulphamethoxy, Pyridarine,
Sulphamethiazole, Sulphamoxole, Sulphamide
104 efu 29=35=21 df pNn]v ePsf] Sulphamethoxy, Pyridarine
105 efu 29=35=22 df pNn]v ePsf] Sulphamethiazole
106 efu 29=35=23 df pNn]v ePsf] Sulphamoxole
107 efu 29=35=24 df pNn]v ePsf] Sulphamide
108 efu 29=42 df pNn]v ePsf] Other Organic Compounds
109 efu 32=12=90=00 df pNn]v ePsf] hfolng, nfo^ ;f]ne]G^ g]Kyf
110 efu 33=02=10 df pNn]v ePsf] P;]G; km\n]j/
111 efu 96=02=00=00 df pNn]v ePsf] Geltain Capsules
112 efu 39=05=42=00 df pNn]v ePsf] k]+^f P/Ly|L^f]n
113 efu 39=20 df pNn]v ePsf] Polyester, Polythelyne, BOPP, Pvc, OPP, CPP sf
Film
114 efu 39=21=19 df pNn]v ePsf] lk|G^]* /\ofk/
115 efu 39=23=90 df pNn]v ePsf] Knfli^s nlnkk :^Ls
116 efu 48=23=90 -76=07=20_ df pNn]v ePsf] r'O*0\ud /}k/
117 efu 70=10=20 df pNn]v ePsf] Stoppers, Lids and Other Closures
118 efu 72=01=10=00 df pNn]v ePsf] lku cfO/g
119 efu 72=11=23 df pNn]v ePsf] CRCA Strips (76.20 MM)
120 efu 76=07 df pNn]v ePsf] Aluminum foils
121 efu 79=01=12=00 df pNn]v ePsf] Zinc
122 efu 85=04=22=00 df pNn]v ePsf] 3000 KVA Transformer
@)^$ sflt{s @& ut]b]lv nfu" x'g] u/L yk ePsf j:t'x?sf] ;"rL
123 efu 78=01=10=00 df pNn]v ePsf] z'$ tyf k|zf]lwt lzzf
124 efu 78=01=91=00 df pNn]v ePsf] Antimony Lead Alloy
@)^% r}q @! ut]b]lv nfu" x'g] u/L yk ePsf j:t'x?sf] ;"rL
125 efu 29=05=13=00 df pNn]v ePsf] N. Butanol
126 efu 29=05=14=00 df pNn]v ePsf] ISO Butanol

127 efu 72=16=22=00 df pNn]v ePsf] P+un
130 efu 72=06=91=00 df pNn]v ePsf] cfNdf]lgod ;s{n
131 efu 29=12=60=00 df pNn]v ePsf] Parafarmaldehyde
132 efu 29=33=61=00 df pNn]v ePsf] Melamin
133 efu 38=24=90=00 df pNn]v ePsf] Alkyl Ester (Bio-Fuel)
134 efu 15=20=00=00 df pNn]v ePsf] Glycerol (Glycerin)
135 LP Gas (pkef]Uo OGwg_
@)^^ ebf} & ut]b]lv nfu" x'g] u/L yk ePsf j:t'x?sf] ;"rL
136 efu 74=03=11=00 df pNn]v ePsf] Cathodes / Cathodes sf] Section
137 efu 76=01=10=40 df pNn]v ePsf] Pn"d"lgod tf/sf] /*
44
tflnsf ;"rL
tflnsf ! s'n ufx{:Yo pTkfbg -@)%&.%* sf] l:y/ d"Nodf_
tflnsf @ s'n ufx{:Yo pTkfbg -k|rlnt ahf/ d"Nodf_
tflnsf # s'n /fli6«o vr{of]Uo cfDbfgL -k|rlnt ahf/ d"Nodf_
tflnsf $ zx/L If]qsf] /fli6«o pkef]Qmf d"No ;"rsfÍ
tflnsf % df}lb|s ;e]{If0f
tflnsf ^ 6«]h/L laN; laqmL af]nsaf]n
tflnsf & 6«]h/L laN; vl/b af]nsaf]n
tflnsf * l/kf] af]nsaf]n
tflnsf ( l/e;{ l/kf] af]nsaf]n
tflnsf !) -s_ ljb]zL d'b|f ahf/ x:tIf]k sf/f]af/
tflnsf !) -v_ ljb]zL d'b|f ahf/ x:tIf]k sf/f]af/ -cd]l/sL 8n/df_
tflnsf !! :yfoL t/ntf ;'ljwf
tflnsf !@ cGt/a}+s sf/f]af/ /sd / efl/t cf}ift b/
tflnsf !# Jofhb/ ;+/rgf
tflnsf !$ (! lbg] 6«]h/L laN;sf] efl/t cf};t Jofhb/
tflnsf !% #^$ lbg] 6«]h/L laN;sf] efl/t cf};t Jofhb/
tflnsf !^ g]kfn ;/sf/sf] s'n cfGtl/s C0f
tflnsf !& g]kfn ;/sf/sf] v"b cfGtl/s C0f
tflnsf !* ;/sf/L ljQ l:ylt
tflnsf !( j}b]lzs Jofkf/
tflnsf @) zf]wgfGt/ l:ylt
tflnsf @! a}+ls+u If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
tflnsf @@ cd]l/sL 8n/ e'QmfgL u/L ef/taf6 ePsf] cfoft
tflnsf @# cd]l/sL 8n/ laqmL u/L ePsf] ef/tLo d'b|f vl/b
tflnsf !
s'n ufx{:Yo pTkfbg
-@)%&.%* sf] l:y/ d"Nodf_
-?= s/f]8df_ k|ltzt kl/jt{g
; k|f
@)^!/^@ @)^@/^# @)^#/^$ @)^$/^% @)^%/^^ @)^^/^& 61/62 62/63 63/64 64/65 65/66 66/67
s[lif 17,981.0 18,301.5 18,479.6 19,555.9 20,150.0 20,375.3 3.5 1.8 1.0 5.8 3.0 1.1
s[lif tyf jg 17,730.4 18,026.0 18,195.8 19,251.4 19,828.2 20,036.4 3.4 1.7 0.9 5.8 3.0 1.0
dT:okfng 250.7 275.5 283.8 304.5 321.8 338.9 7.1 9.9 3.0 7.3 5.7 5.3
u}/ s[lif 30,053.5 31,652.5 33,033.1 34,974.3 36,611.0 38,478.2 3.2 5.3 4.4 5.9 4.7 5.1
pBf]u 7,992.5 8,349.9 8,679.2 8,830.5 8,808.8 9,150.8 3.0 4.5 3.9 1.7 -0.2 3.9
vfgL tyf pTvgg 216.9 234.8 238.3 251.3 253.1 263.8 6.8 8.3 1.5 5.5 0.7 4.2
pTkfbg pBf]u 3,813.6 3,889.8 3,989.1 3,954.5 3,913.2 4,016.8 2.6 2.0 2.6 -0.9 -1.0 2.6
ljB't, Uof; tyf kfgL 1,111.7 1,156.2 1,306.5 1,320.4 1,308.4 1,315.3 4.0 4.0 13.0 1.1 -0.9 0.5
lgdf{0f 2,850.3 3,069.0 3,145.3 3,304.3 3,334.1 3,554.9 2.9 7.7 2.5 5.1 0.9 6.6
;]jf 22,060.9 23,302.6 24,353.9 26,143.8 27,802.2 29,327.3 3.3 5.6 4.5 7.3 6.3 5.5
yf]s tyf v'b|f Jofkf/ 6,569.4 6,809.9 6,429.2 6,696.2 7,090.5 7,489.5 -6.2 3.7 -5.6 4.2 5.9 5.6
xf]6n tyf /]i6'/]G6 752.5 800.1 827.8 885.1 911.3 989.1 -5.4 6.3 3.5 6.9 3.0 8.5
oftfoft, e08f/0f tyf ;+rf/ 4,098.5 4,200.1 4,409.4 4,822.6 5,188.3 5,523.2 6.4 2.5 5.0 9.4 7.6 6.5
ljQLo dWo:ytf 1,595.7 1,984.3 2,210.3 2,414.2 2,450.2 2,488.7 24.3 24.4 11.4 9.2 1.5 1.6
3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 3,470.0 3,690.0 4,124.0 4,554.4 4,634.3 4,859.8 10.0 6.3 11.8 10.4 1.8 4.9
;fj{hlgs k|zf;g tyf /Iff 855.1 913.9 926.2 931.9 999.9 1,041.9 6.6 6.9 1.3 0.6 7.3 4.2
lzIff 2,760.6 2,864.0 3,073.8 3,271.6 3,639.9 3,876.1 9.8 3.7 7.3 6.4 11.3 6.5
:jf:Yo tyf ;fdflhs sfo{ 610.9 647.0 688.8 747.4 830.8 877.4 11.3 5.9 6.5 8.5 11.2 5.6
cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 1,348.3 1,393.3 1,664.3 1,820.4 2,057.0 2,181.7 -3.4 3.3 19.5 9.4 13.0 6.1
s'n d"No clej[l4 -ck|ToIf ljQLo dWo:ytf;lxt_ 48,034.5 49,954.0 51,512.7 54,530.2 56,761.0 58,853.4 3.3 4.0 3.1 5.9 4.1 3.7
ck|ToIf ljQLo dWo:ytf 1,718.0 1,910.5 2,147.6 2,304.3 2,470.6 2,649.0 6.2 11.2 12.4 7.3 7.2 7.2
s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 46,316.5 48,043.5 49,365.1 52,226.0 54,290.3 56,204.4 3.2 3.7 2.8 5.8 4.0 3.5
pTkflbt j:t'df v"b s/ 3,457.4 3,405.1 3,838.8 4,225.7 4,903.0 5,698.5 6.9 -1.5 12.7 10.1 16.0 16.2
s'n ufx{:Yo pTkfbg -pTkfbssf] d"Nodf_ 49,773.9 51,448.6 53,203.8 56,451.7 59,193.3 61,903.0 3.5 3.4 3.4 6.1 4.9 4.6
;— ;+zf]lwt cg'dfg
k|f— k|ff/lDes cg'dfg
;|f]tM s]Gb|Lo tYofÍ ljefu
tflnsf @
s'n ufx{:Yo pTkfbg
-k|rlnt ahf/ d"Nodf_
; k|f
@)^!/^@ @)^@/^# @)^#/^$ @)^$/^% @)^%/^^ @)^^/^& 61/62 62/63 63/64 ^$/^% ^%/^^ ^^/^&
s[lif 19936.8 21170.4 22682.3 24719.1 30671.4 37256.1 7.1 6.2 7.1 9.0 24.1 21.5
s[lif tyf jg 19668.6 20859.1 22353.6 24332.3 30156.7 36674.4 7.1 6.1 7.2 8.9 23.9 21.6
dT:okfng 268.2 311.3 328.7 386.8 514.7 581.6 7.1 16.1 5.6 17.7 33.1 13.0
u}/ s[lif 36721.1 41862.6 47054.1 53225.6 63280.8 73774.4 10.6 14.0 12.4 13.1 18.9 16.6
pBf]u 9705.9 10509.8 11553.0 13091.3 14805.4 16541.1 8.6 8.3 9.9 13.3 13.1 11.7
vfgL tyf pTvgg 274.8 313.4 341.7 437.5 508.4 578.2 9.6 14.0 9.0 28.0 16.2 13.7
pTkfbg pBf]u 4488.5 4784.0 5217.2 5718.5 6416.5 6934.9 7.7 6.6 9.1 9.6 12.2 8.1
ljB't, Uof; tyf kfgL 1278.2 1317.2 1484.1 1521.9 1512.2 1659.7 6.7 3.1 12.7 2.5 -0.6 9.8
lgdf{0f 3664.4 4095.2 4509.9 5413.4 6368.3 7368.4 10.2 11.8 10.1 20.0 17.6 15.7
;]jf 27015.2 31352.8 35501.2 40134.3 48475.4 57233.3 11.4 16.1 13.2 13.1 20.8 18.1
yf]s tyf v'b|f Jofkf/ 7983.9 9021.4 9264.8 10530.6 12588.5 15513.9 0.8 13.0 2.7 13.7 19.5 23.2
xf]6n tyf /]i6'/]G6 889.5 939.8 1004.3 1150.3 1403.1 1857.1 -0.5 5.7 6.9 14.5 22.0 32.4
oftfoft, e08f/0f tyf ;+rf/ 5133.6 6125.0 6955.5 7681.8 9326.1 10839.4 10.9 19.3 13.6 10.4 21.4 16.2
ljQLo dWo:ytf 1734.2 2197.9 2846.7 3353.9 3854.5 4518.2 26.3 26.7 29.5 17.8 14.9 17.2
3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 4924.2 6004.2 7079.1 7363.6 8254.1 9166.1 23.1 21.9 17.9 4.0 12.1 11.0
;fj{hlgs k|zf;g tyf /Iff 954.8 1096.7 1222.7 1435.2 1853.2 2205.3 19.1 14.9 11.5 17.4 29.1 19.0
lzIff 3167.1 3499.6 4093.9 4872.2 6287.5 7405.5 20.4 10.5 17.0 19.0 29.0 17.8
:jf:Yo tyf ;fdflhs sfo{ 701.7 784.2 856.8 1096.3 1395.9 1625.0 20.5 11.8 9.3 28.0 27.3 16.4
cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 1526.2 1684.0 2177.4 2650.5 3512.5 4102.8 7.9 10.3 29.3 21.7 32.5 16.8
s'n d"No clej[l4 -ck|ToIf ljQLo dWo:ytf;lxt_ 56657.9 63033.0 69736.4 77944.7 93952.2 111030.5 9.4 11.3 10.6 11.8 20.5 18.2
ck|ToIf ljQLo dWo:ytf 1809.4 1921.2 2150.5 2418.5 2936.2 3515.6 4.6 6.2 11.9 12.5 21.4 19.7
s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 54848.5 61111.8 67585.9 75526.2 91016.0 107514.9 9.5 11.4 10.6 11.7 20.5 18.1
pTkflbt j:t'df v"b s/ 4092.7 4296.6 5196.8 6040.1 8115.6 10753.1 13.5 5.0 21.0 16.2 34.4 32.5
s'n ufx{:Yo pTkfbg -pTkfbssf] d"Nodf_ 58941.2 65408.4 72782.7 81566.3 99131.6 118268.0 9.8 11.0 11.3 12.1 21.5 19.3
k|f— k|ff/lDes cg'dfg
;|f]tM s]Gb|Lo tYofÍ ljefu .
tflnsf #
s'n /fli6«o vr{of]Uo cfDbfgL
-k|rlnt ahf/ d"Nodf_
@)^!/^@ @)^@/^# @)^#/^$ @)^$/^% @)^%/^^; @)^^/^&k|f 61/62 62/63 63/64 ^$/^% ^%/^^ ^^/^&
s'n pkef]u 52130.1 59532.7 65637.4 73547.0 89501.8 107192.9 10.1 14.2 10.3 12.1 21.7 19.8
;/sf/L If]q 5245.3 5679.4 6694.9 8066.3 10650.3 13657.4 13.1 8.3 17.9 20.5 32.0 28.2
lghL If]q 45953.0 52781.4 57691.1 64108.5 77276.2 91706.6 9.6 14.9 9.3 11.1 20.5 18.7
u}/—d'gfkmfsf/L ;+:yfx? 931.9 1071.9 1251.5 1372.1 1575.3 1828.9 16.5 15.0 16.8 9.6 14.8 16.1
s'n nufgL 15590.7 17563.3 20877.9 24727.7 31609.7 45180.4 18.4 12.7 18.9 18.4 27.8 42.9
s'n l:y/ k"FhL nufgL 11753.9 13553.2 15333.7 17844.6 21103.9 25149.0 7.7 15.3 13.1 16.4 18.3 19.2
;/sf/L If]q 1721.3 1750.9 2464.5 3299.3 4427.8 5942.1 15.1 1.7 40.8 33.9 34.2 34.2
lghL If]q 10032.6 11802.3 12869.2 14545.3 16676.1 19206.9 6.5 17.6 9.0 13.0 14.6 15.2
:6s kl/jt{g 3836.8 4010.0 5544.2 6883.1 10505.8 20031.4 70.6 4.5 38.3 24.2 52.6 90.7
s'n cfGtl/s dfu 67720.8 77096.0 86515.3 98274.7 121111.5 152373.3 11.9 13.8 12.2 13.6 23.2 25.8
j:t' tyf ;]jf lgof{{t 8595.8 8795.2 9356.7 10420.7 12273.7 10914.0 -4.0 2.3 6.4 11.4 17.8 -11.1
j:t' tyf ;]jf cfoft 17375.4 20482.8 23089.3 27129.1 34253.6 45019.3 9.9 17.9 12.7 17.5 26.3 31.4
v""b j:t' tyf ;]jf lgof{{t -8779.6 -11687.6 -13732.6 -16708.4 -21979.9 -34105.3 28.0 33.1 17.5 21.7 31.6 55.2
s'n ufx{:Yo pTkfbg 58941.2 65408.4 72782.7 81566.3 99131.6 118268.0 9.8 11.0 11.3 12.1 21.5 19.3
v""b ;fwg cfo 163.7 495.6 743.2 794.7 1175.0 1243.8 -197.2 202.8 50.0 6.9 47.9 5.9
s'n /fli6«o cfo 59104.8 65904.0 73525.9 82361.0 100306.5 119511.8 10.5 11.5 11.6 12.0 21.8 19.1
v""b 6«fG;\km/ 9770.4 12614.6 12899.2 18281.7 24948.7 28398.3 15.1 29.1 2.3 41.7 36.5 13.8
s'n /fli6«o vr{of]Uo cfDbfgL 68875.2 78518.5 86425.1 100642.6 125255.2 147910.1 11.1 14.0 10.1 16.5 24.5 18.1
k|f— k|f/lDes cg'dfg
;|f]tM s]Gb|Lo tYofÍ ljefu
tflnsf $
zx/L If]qsf] /fli6«o pkef]Qmf d"No ;"rsfÍ
-@)%@.%#=!))_
2061/62 2062/63 2063/64 2064/65 2065/66 2066/67 c
dlxgf ;"rsfÍ % kl/jt{g ;"rsfÍ % kl/jt{g ;"rsfÍ % kl/jt{g ;"rsfÍ % kl/jt{g ;"rsfÍ % kl/jt{g ;"rsfÍ % kl/jt{g
;fpg 159.1 2.4 170.7 7.3 183.1 7.3 194.7 6.3 220.2 13.1 243.1 10.4
ebf} 160.2 2.6 173.3 8.2 184.8 6.6 197.8 7.0 224.5 13.5 246.3 9.7
c;f]h 161.2 2.6 173.8 7.8 186.9 7.5 198.7 6.3 226.8 14.1 248.0 9.3
sflQs 160.8 2.7 174.5 8.5 186.9 7.1 198.7 6.3 227.5 14.5 250.0 9.9
d+l;/ 159.0 3.1 173.0 8.8 185.6 7.3 196.1 5.7 223.7 14.1 249.0 11.3
k'; 159.5 4.6 170.6 7.0 183.6 7.6 194.2 5.8 222.1 14.4 248.3 11.8
df3 161.4 5.7 170.8 5.8 184.5 8.0 196.3 6.4 223.1 13.7 249.9 12.0
kmfu'g 161.9 5.7 174.3 7.7 185.1 6.2 198.4 7.2 224.4 13.1 249.5 11.2
r}t 163.1 5.8 176.0 7.9 185.9 5.6 202.4 8.9 226.5 11.9 250.9 10.8
a}zfv 164.0 6.4 179.0 9.1 187.3 4.6 204.6 9.2 230.9 12.9 253.9 10.0
h]7 164.6 6.2 179.6 9.1 187.6 4.5 208.3 11.0 234.0 12.3 256.4 9.6
c;f/ 166.8 6.6 180.6 8.3 189.8 5.1 212.7 12.1 237.0 11.4
jflif{s cf};t 161.8 4.5 174.7 8.0 185.9 6.4 200.2 7.7 226.7 13.2 10.5*
c–ckl/:s[t
* cg'dflgt
tflnsf %
df}lb|s ;e]{If0f
-P3f/ dlxgfsf] tYofÍdf cfwfl/t_
-¿= s/f]8df_
kl/jt{g -klxnf] P3f/ dlxgf_
2065 2066 2066 2067 2065/66 2066/67
c
c;f/ h]i7 c;f/ h]i7 /sd k|ltzt /sd k|ltzt
1/ 2/
!= v'b j}b]lzs ;DklQ 17,145.6 21,431.9 22,108.4 19,612.2 3,905.7 22.8 -1,507.2 -6.8
!=!= j}b]lzs ;DklQ 21,325.4 27,222.5 28,054.1 25,356.2 5,897.1 27.7 -2,697.9 -9.6
!=@= ljb]zL d'b|f lgIf]k 3,422.9 4,947.4 5,179.5 4,595.8 1,524.5 44.5 -483.7 -9.3
!=#= cGo j}b]lzs bfloTj 757.0 843.2 766.3 1,048.2 86.2 11.4 281.9 36.8
1/ 2/
@= v'b cfGtl/s ;DklQ 32,392.2 38,537.3 41,166.2 48,864.2 6,525.8 20.1 6,709.0 16.3
@=!= s'n cfGtl/s shf{ 43,727.0 51,177.1 55,363.2 62,507.4 7,450.1 17.0 7,144.0 12.9
s= ;/sf/nfO{ uPsf] v'b shf{ 8,708.0 7,505.5 10,486.8 10,074.3 -1,202.5 -13.8 -412.5 -3.9
c= ;/sf/dflysf] bfjL 9,102.6 9,249.4 10,486.8 10,133.2 146.8 1.6 -353.6 -3.4
cf= ;/sf/L lgIf]k 394.6 1,743.9 0.0 58.9 1,349.3 341.9 58.9 -
v= u}/ ljQLo ;/sf/L ;+:yfgx?nfO{ uPsf] shf{ 564.6 490.2 509.2 496.4 -74.4 -13.2 -12.8 -2.5
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 471.0 567.0 755.9 749.1 96.0 20.4 -6.9 -0.9
c= ;/sf/L ;+:yfgx? 167.0 145.1 137.6 209.2 -21.9 -13.1 71.6 52.0
cf= u}/—;/sf/L ;+:yfx? 303.9 421.8 618.3 539.8 117.9 38.8 -78.5 -12.7
3= lghL If]qnfO{ uPsf] shf{ 33,983.4 42,614.4 43,611.3 51,187.6 8,631.0 25.4 7,576.3 17.4
1/ 2/
@=@= v'b cdf}lb|s bfloTj 11,334.8 12,639.7 14,197.1 13,643.2 924.3 8.2 435.1 3.1
#= lj:t[t d'b|f k|bfo - M2_ 49,537.7 59,969.3 63,274.5 68,476.3 10,431.5 21.1 5,201.8 8.2
#=!= d'b|f k|bfo -M1_ 15,434.4 18,805.3 19,646.1 20,539.0 3,370.9 21.8 892.9 4.5
s= d'b|f 10,017.5 12,299.0 12,576.0 13,810.9 2,281.4 22.8 1,234.9 9.8
v= rNtL lgIf]k 5,416.9 6,506.3 7,070.1 6,728.1 1,089.4 20.1 -342.0 -4.8
#=@= cfjlws lgIf]k 34,103.3 41,164.0 43,628.4 47,937.3 7,060.7 20.7 4,308.9 9.9
$= lj:t[t df}lb|s t/ntf - M3_ 52,960.6 64,916.6 68,454.0 73,172.1 11,956.0 22.6 4,718.1 6.9
c– ;+zf]lwt cg'dfg
!= ljb]zL ljlgdo b/ d"NofÍg gfkmf ?=#*)=^% s/f]8 ;dfof]hg u/L .
@= ljb]zL ljlgdo b/ d"NofÍg gf]S;fg ?= (**=(^ s/f]8 ;dfof]hg u/L .
tflnsf ^*
6«]h/L laN; laqmL af]nsaf]n
-¿= s/f]8df_
2062/63 2063/64 2064/65 2065/66 2066/67
cf};t
efl/t a§f cf};t efl/t cf};t efl/t cf};t efl/t cf};t efl/t
b/ a§f b/ a§f b/ a§f b/ a§f b/
dlxgf /sd -k|ltzt_ /sd -k|ltzt_ /sd -k|ltzt_ /sd -k|ltzt_ /sd -k|ltzt_
;fpg 144.0 3.47 100.0 2.51 - - 350.0 4.94 744.0 2.17
ebf} - - 125.0 3.06 - - - -
c;f]h 200.0 3.85 102.0 3.38 - - - -
sflQs 30.0 3.02 - - 50.0 3.44 200.0 5.20 - -
d+l;/ 83.0 1.90 262.0 1.59 74.0 4.33 196.0 4.95 - -
k'; - - - - - - - - - -
df3 - - - - - - - - - -
kmfu'g 47.0 3.74 200.0 2.94 246.0 4.87 - - - -
r}t 93.0 4.01 101.0 2.54 77.0 4.05 - - - -
a}zfv - - 130.0 3.37 200.0 5.38 - - - -
h]7 339.0 3.50 605.0 2.80 343.0 5.98 - - - -
c;f/ 415.0 3.68 215.0 4.51 495.0 5.65 - - - -
s'n hDdf 1,351.0 - 1,840.0 - 1,485.0 4.81 746.0 - 744.0 2.17
tflnsf &
6«]h/L laN; vl/b af]nsaf]n
-¿= s/f]8df_
2062/63 2063/64 2064/65 2065/66 2066/67
cf};t
dlxgf efl/t a§f cf};t efl/t cf};t efl/t cf};t efl/t cf};t efl/t
b/ a§f b/ a§f b/ a§f b/ a§f b/
/sd -k|ltzt_ /sd -k|ltzt_ /sd -k|ltzt_ /sd -k|ltzt_ /sd -k|ltzt_
;fpg - - - - - - - - - -
ebf} - - - - - - - - - -
c;f]h 53.0 4.99 - - - - - - - -
sflQs 30.0 3.52 - - - - - - - -
d+l;/ - - - - - - - - - -
k'; - - - - - - - - 338.2 4.51
df3 - - - - - - - - - -
kmfu'g - - - - - - - - - -
r}t - - - - - - - - - -
a}zfv - - - - - - - - - -
h]7 - - - - - - - - - -
c;f/ - - - - - - - - - -
s'n hDdf 83.0 - - - - - - - 338.2 4.51
* cfly{s jif{ @)^!.^@ b]lv 6]«h/L laN;sf] laqmL tyf vl/b af]nsaf]n df}lb|s pks/0fsf] ?kdf g]kfn /fi6« a}+ssf] kxndf
;~rfng ul/g] Joj:yf ldnfOPsf]] 5 .
tflnsf **
l/kf] af]nsaf]n
-¿= s/f]8df_
dlxgf 2061/62 2062/63 2063/64 2064/65 2065/66 2066/67
;fpg - - - - - -
ebf} - - - - - -
c;f]h - - - - - 100.00
sflQs 105.00 - - - - 200.00
d+l;/ 161.00 - - - - 1,300.00
k'; - - - 200.00 - 2,398.20
df3 280.00 45.00 - 500.00 400.00 1,895.30
kmfu'g 30.00 - - 200.00 500.00 1,525.03
r}t - - - - - 2,092.90
a}zfv 60.00 - 200.00 - - 1,200.00
h]7 - - - - 200.00 1,199.65
c;f/ 32.00 - - - - 1,256.60
s'n hDdf 668.00 45.00 200.00 900.00 1,100.00 13,167.68
tflnsf (
l/e;{ l/kf] af]nsaf]n
-¿= s/f]8df_
dlxgf 2061/62 2062/63 2063/64 2064/65 2065/66 2066/67
;fpg - - 259.00 - 200.00 -
ebf} - - 150.00 100.00 352.00 100.00
c;f]h 150.00 - 150.00 457.00 - -
sflQs - 50.00 615.00 - - -
d+l;/ - 150.00 75.00 - 350.00 -
k'; 257.00 200.00 107.00 - 424.00 -
df3 - 100.00 - - - -
kmfu'g - - 50.00 - - -
r}t 120.00 150.00 - 100.00 - -
a}zfv - - - - - -
h]7 - - - - - -
c;f/ - - 28.00 - - -
s'n hDdf 527.00 650.00 1,434.00 657.00 1,326.00 100.00
* cfly{s jif{ @)^!.^@ b]lv 6]«h/L laN;sf] l/kf] tyf l/e;{ l/kf] af]nsaf]n df}lb|s pks/0fsf] ?kdf
g]kfn /fi6« a}+ssf] kxndf ;~rfng ul/g] Joj:yf ldnfOPsf]] 5 .
tflnsf !) -s_
ljb]zL d'b|f ahf/ x:tIf]k sf/f]af/ *
-¿= s/f]8df_
2064/65 2065/66 2066/67
v'b t/ntf v'b t/ntf v'b t/ntf

dlxgf vl/b laqmL vl/b laqmL vl/b laqmL
k|jfx /k|zf]rg k|jfx /k|zf]rg k|jfx /k|zf]rg
;fpg 225.07 - 225.07 557.41 18.38 539.03 576.61 - 576.61
ebf} 479.20 40.04 439.16 777.00 97.47 679.53 985.11 - 985.11
c;f]h 738.71 - 738.71 1,846.70 - 1,846.70 456.18 - 456.18
sflQs 660.24 - 660.24 1,154.88 - 1,154.88 637.20 - 637.20
d+l;/ 912.44 - 912.44 1,749.20 - 1,749.20 721.01 - 721.01
k'; 591.51 - 591.51 1,349.47 - 1,349.47 425.89 44.68 381.22
df3 703.31 54.89 648.42 1,213.41 - 1,213.41 864.23 - 864.23
kmfu'g 1,283.40 - 1,283.40 1,191.98 - 1,191.98 895.09 - 895.09
r}t 1,099.33 - 1,099.33 1,079.45 - 1,079.45 1,370.15 - 1,370.15
a}zfv 1,062.24 - 1,062.24 1,346.48 - 1,346.48 1,558.11 - 1,558.11
h]7 1,250.31 - 1,250.31 909.85 37.77 872.08 1,654.50 - 1,654.50
c;f/ 1,351.67 21.54 1,330.13 1,227.69 - 1,227.69 1,766.59 - 1,766.59
hDdf 10357.44 116.47 10240.96 14403.51 153.63 14249.88 11910.68 44.68 11866.00
tflnsf !) -v_
ljb]zL d'b|f ahf/ x:tIf]k sf/f]af/ -cd]l/sL 8n/df_ *
-cd]l/sL 8n/ s/f]8df_
2064/65 2065/66 2066/67
dlxgf vl/b laqmL

v'b t/ntf
vl/b laqmL
v'b t/ntf
vl/b laqmL v'b t/ntf k|jfx /-
k|jfx /k|zf]rg k|jfx /k|zf]rg k|zf]rg_
;fpg 3.46 - 3.46 8.18 0.27 7.91 7.48 - 7.48
ebf} 7.29 0.60 6.69 10.96 1.38 9.59 12.66 - 12.66
c;f]h 11.59 - 11.59 24.52 - 24.52 5.98 - 5.98
sflQs 10.41 - 10.41 14.95 - 14.95 8.53 - 8.53
d+l;/ 14.34 - 14.34 21.95 - 21.95 9.70 - 9.70
k'; 9.33 - 9.33 17.45 - 17.45 5.74 0.60 5.14
df3 11.11 0.86 10.25 15.52 - 15.52 11.67 - 11.67
kmfu'g 19.96 - 19.96 14.77 - 14.77 12.17 - 12.17
r}t 17.03 - 17.03 13.26 - 13.26 19.02 - 19.02
a}zfv 16.43 - 16.43 16.89 - 16.89 21.89 - 21.89
h]7 18.35 - 18.35 11.95 0.50 11.45 22.23 - 22.23
c;f/ 19.64 0.31 19.33 15.91 - 15.91 23.71 - 23.71
s'n hDdf 158.92 1.77 157.15 186.29 2.15 184.15 160.76 0.60 160.16
* ljb]zL d'b|fsf] v/Lb tyf laqmL sf/f]jf/ jfl0fHo a}+sx?sf] cg'/f]w -kxn_ df x'g] u/]sf] 5 .
tflnsf !!
:yfoL t/ntf ;'ljwf *
-¿= s/f]8df_
dlxgf 2061/62 2062/63 2063/64 2064/65 2065/66 2066/67
;fpg 58.50 40.00 - - 2,243.20 -
ebf} 18.90 55.00 37.00 408.00 372.00 35.00
c;f]h 336.73 22.00 157.50 966.50 1,115.50 370.00
sflQs 1583.68 - 210.15 1,313.50 250.00 1,323.40
d+l;/ 236.25 - 107.47 931.00 - 2,817.89
k'; 20.00 75.35 307.00 1,078.00 601.00 1,978.44
df3 622.48 20.00 - 2,553.20 1,226.00 1,852.72
kmfu'g 1140.20 16.00 30.00 - 2,943.75 139.43
r}t 402.79 95.00 863.00 385.00 215.00 661.75
a}zfv 104.00 480.00 1382.10 2,125.00 1,122.00 6.71
h]7 60.00 - 35.00 450.00 1,118.00 0.29
c;f/ 347.21 185.00 1568.70 173.00 - 408.00
hDdf 4930.73 988.35 4697.92 10,383.20 10,778.25 9,593.63
* cfly{s jif{ @)^!.^@ b]lv cfGtl/s e'QmfgL Joj:yfsf] ;]km\6L eNesf] ?kdf lwtf] shf{sf] ?kdf k|of]u
x'Fb} cfPsf] of] ;'ljwf sf/f]af/ a}+s tyf ljQLo ;+:yfx?sf] kxndf x'g] u/]sf] 5 .
tflnsf !@
cGt/a}+s sf/f]af/ /sd / efl/t cf}ift b/
-¿= s/f]8df_
dlxgf 2063/64 2064/65 2065/66 2066/67
/sd b/ -%_ /sd b/ -%_ /sd b/ -%_ /sd b/ -%_

;fpg 1339.70 2.07 3545.50 4.10 2243.20 5.15 952.70 1.41
ebf} 1883.00 1.83 3135.30 2.18 2189.70 2.33 2976.30 2.00
c;f]h 1585.50 2.11 3506.20 3.35 2393.40 5.16 2623.90 5.10
sflQs 1488.00 1.20 2147.20 3.73 3688.00 5.34 3055.95 9.22
d+l;/ 1418.00 1.34 2041.80 4.73 2166.10 2.38 2284.50 9.93
k'; 1739.50 3.03 2437.90 4.93 1995.50 3.37 3196.40 12.83
df3 896.20 2.01 1223.60 7.55 2729.30 8.32 2459.60 11.64
kmfu'g 771.30 1.39 1044.30 5.07 1893.86 6.38 1304.50 8.85
r}t 729.50 1.69 1258.39 2.69 2751.80 5.06 2699.90 7.81
a}zfv 2030.00 3.35 2157.00 6.48 2768.60 7.07 1617.70 7.13
h]7 1739.70 2.72 1741.30 4.65 2370.20 5.02 1411.00 5.52
c;f/ 1398.00 3.03 1593.42 3.66 2152.20 3.66 2302.20 6.57
s'n hDdf 17018.40 2.26 25831.91 5.07 29341.86 5.07 26884.65 7.74
tflnsf !#
Jofhb/ ;+/rgf
-k|ltzt k|ltjif{_
jif{ 2061 2062 2063 2064 2065 2066 2066 2066 2066 2067 2067
dlxgf c;f/ c;f/ c;f/ c;f/ c;f/ c;f/ c;f]h k'; r}t a}zfv h]7
s= g]gLltut b/x?
clgjfo{ gub df}Hbft -;Lcf/cf/_ 6.0 5.0 5.0 5.0 5.0 5.5 5.5 5.5 5.5 5.5 5.5
a}+s b/ 5.50 5.50 6.25 6.25 6.25 6.5 6.5 6.5 6.5 6.5 6.5
k'g/shf{ b/
?U0f pBf]ux?nfO{ hfg] shf{df 2.0 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5
u|fdL0f ljsf; a}+sx?nfO{ hfg] shf{ 4.5 3.0 3.5 3.5 3.5 2.0 2.0 2.0 2.0 2.0 2.0
lgof{tsf] nflu :jb]zL d'b|fdf lbOg] shf{ 4.5 3.0 3.5 3.5 2.5 3.5 3.5 3.5 3.5 3.5 3.5
lgof{tsf] nflu ljb]zL d'b|fdf lbOg] shf{ 2.00 2.00 3.25 3.25 3.25 nfOjf]/ + )=@% nfOjf]/ + )=@% nfOjf]/ + )=@% nfOjf]/ + )=@% nfOjf]/ + )=@% nfOjf]/ + )=@%
:yfoL t/ntf ;'ljwf k]gfn Jofhb/ 0.0 1.5 1.5 1.5 2.0 3.0 3.0 3.0 3.0 3.0 3.0
v= ;/sf/L ;]So"l/6L
6«]h/L laN;* -@* lbg]_ 1.82 - 2.40 2.13 5.16 4.94 2.0 9.7 - - 7.4
6«]h/L laN;* -(! lbg]_ 1.47 3.94 3.25 2.77 5.13 6.80 2.7 8.7 7.3 7.4 6.8
6«]h/L laN;* -!*@ lbg]_ - 4.42 3.86 3.51 5.16 5.91 0.0 7.8 6.9 - 6.6
6«]h/L laN;* -#^$ lbg]_ 3.81 4.79 4.04 4.00 6.47 6.55 0.0 7.4 7.6 - 7.0
ljsf; C0f kq 3.0-8.0 3.0-8.0 3.0-6.75 3.0-6.75 5.0-8.0 5.0-8.0 5.0-9.0 5.0-9.0 5.0-9.0 5.0-9.0 5.0-9.0
/fli6«o/gful/s art kq 6.5-13.0 6.5-13.0 6.0-8.5 6.0-8.5 6.0-7.75 6.0-8.0 6.0-10.0 6.0-10.0 6.0-10 6.0-10 6.0-10
u= cGt/ a}+s sf/f]af/ b/ 0.7 4.7 2.1 3.0 3.6 3.44 5.1 12.8 7.8 7.1 5.5
3= jfl0fHo a}+sx?
!= lgIf]kdf lbg] Jofhb/
art lgIf]k 2.0-5.0 1.75-5.0 2.0-5.0 2.0-5.0 2.0-6.5 2.0-7.5 2.0-7.5 2.0-7.25 2.0-12.0 2.0-12.0 2.0-12.0
cfjlws lgIf]k
! dlxgf 2.0-3.5 1.75-3.5 1.5-3.5 1.5-3.5 1.5-3.75 1.5-5.25 1.50-5.75 1.5-7.25 1.5-7.25 1.75-7.25 1.75-7.25
# dlxgf 2.0-4.0 1.5-4.0 1.5-4.0 1.50-4.0 1.50-6.75 1.50-6.0 1.50-6.5 1.5-7.25 1.5-9.5 1.75-9.5 1.75-9.5
^ dlxgf 2.0-4.5 2.5-4.5 1.75-4.5 1.75-4.5 1.75-6.75 1.75-7.0 1.75-7.0 1.75-8.75 2.75-10.0 2.75-10.0 2.75-10.0
! jif{ 2.75-5.75 2.25-5.0 2.25-5.0 2.25-5.0 2.5-6.0 2.5-9.0 2.5-9.0 2.5-11.0 3.5-11.5 4.75-11.5 4.75-11.5
@ jif{ / ;f]eGbf dfly 3.0-6.0 2.5-6.05 2.5-6.4 2.5-5.5 2.75-6.75 2.75-9.5 2.75-9.5 2.75-11.5 4.0-13.0 5.0-13.0 5.0-13.0
@= shf{df lng] Jofhb/
pBf]u 8.5-13.5 8.25-13.5 8.0-13.5 8.0-13.5 7.0-13.0 8.0-13.50 7.0-13.5 7.0-13.5 8.0-13.5 8.0-13.5 8.0-13.5
s[lif 10.5-13 10-13 9.5-13 9.5-13 9.5-12.0 9.5-12.0 9.5-13.0 9.5-13.0 9.5-13.0 9.5-13.0 9.5-13.0
lgof{t aLn 4.0-11.5 4.0-12.0 5.0-11.5 5.0-11.5 5.0-11.5 4.0-11.0 4.-12.5 4.0-18.0 4.0-18.0 4.0-18.0 4.0-18.0
Jofkfl/s shf{ 9-14.5 8.0-14 8.0-14 8.0-14.0 8.0-13.5 8.0-14.0 8.0-14.0 8.0-14.0 8.0-14.0 8.0-14.0 8.0-14.0
clwljsif{ 10.0-16.0 5-14.5 6.5-14.5 6.0-14.5 6.5-13.5 6.5-13.5 6.5-14.5 6.5-18.0 7.0-18.0 7.0-18.0 7.0-18.0
d'b|f :kmLlt -jflif{s cf};t_ 4.0 4.5 8.0 6.4 7.7 13.2
* efl/t cf};t l8isfp06 b/

tflnsf !$
(! lbg] 6«]h/L laN;sf] efl/t cf}ift Jofhb/ -k|ltzt_
dlxgf jflif{s
cfly{s jif{ ;fpg ebf} c;f]h sflQs d+l;/ k'; df3 kmfu'g r}t a}zfv h]7 c;f/ cf};t
2048/49 8.43 8.78 8.84 8.70 8.82 8.93 9.33 9.56 9.60 9.64 9.59 9.64 9.24
2049/50 10.17 10.45 12.17 11.68 12.03 12.36 12.57 12.43 11.30 9.56 11.28 11.92 11.34
2050/51 8.49 5.94 7.24 8.74 6.05 3.93 7.57 7.56 6.38 4.93 5.31 6.01 6.50
2051/52 6.36 6.26 6.54 7.02 6.91 6.99 7.38 7.97 8.12 7.94 7.89 8.33 7.35
2052/53 8.34 8.61 8.78 9.14 9.69 11.83 12.68 12.21 10.93 12.70 12.88 12.66 10.93
2053/54 12.18 11.75 11.43 11.63 11.51 11.47 11.62 10.99 9.77 8.51 6.03 5.62 10.22
2054/55 4.87 3.36 3.81 3.36 2.63 2.71 3.90 4.00 4.17 3.44 3.24 2.87 3.52
2055/56 1.61 0.90 0.85 2.88 3.24 3.29 1.61 1.21 2.16 3.09 3.35 3.32 2.33
2056/57 3.40 2.90 3.41 4.09 3.99 4.44 5.16 5.60 5.46 5.73 5.46 5.36 4.66
2057/58 5.43 5.22 4.87 5.24 5.30 5.26 5.17 4.55 3.87 4.67 4.94 4.95 4.96
2058/59 4.78 3.78 4.66 4.96 4.95 4.85 5.19 5.39 5.05 4.86 4.52 3.78 4.71
2059/60 3.42 3.49 3.60 4.03 3.75 4.10 4.01 3.91 4.06 2.91 1.67 2.98 3.48
2060/61 4.03 3.66 3.70 3.68 3.85 3.95 3.94 3.81 1.70 0.70 0.82 1.47 2.93
2061/62 0.62 0.63 1.34 1.97 2.40 2.08 2.38 2.94 3.11 3.70 3.82 3.94 2.46
2062/63 2.26 3.38 3.10 2.69 2.20 2.46 2.20 2.65 2.89 3.63 3.31 3.25 2.84
2063/64 2.99 2.78 2.54 2.11 1.98 2.67 2.60 2.36 1.85 2.43 2.17 2.77 2.44
2064/65 4.25 2.14 2.35 3.03 3.59 3.86 5.79 5.54 4.07 5.32 5.41 5.13 4.21
2065/66 5.17 3.73 6.08 5.55 4.72 4.32 6.64 6.83 5.98 6.72 6.00 6.80 5.83
2066/67 1.77 2.41 2.73 4.67 6.35 8.74 9.01 7.79 7.35 7.41 6.77 8.13 6.50
tflnsf !%
#^$ lbg] 6«]h/L laN;sf] efl/t cf};t Jofhb/ -k|ltzt_
dlxgf jflif{s
cfly{s jif{ ;fpg ebf} c;f]h sflQs d+l;/ k'; df3 kmfu'g r}t a}zfv h]7 c;f/ cf};t
2053/54 - - - - - 11.96 - - 10.53 - 8.98 - 10.34
2054/55 - - - - - 6.30 - - 7.25 - 6.99 - 6.86
2055/56 - - - - - - - - 4.91 5.42 5.31 - 5.13
2056/57 - - - - 5.67 5.57 6.08 7.28 6.14 - - - 6.16
2057/58 - - - - 5.73 5.44 5.46 5.11 4.92 5.27 5.52 5.62 5.26
2058/59 - - - - 5.51 5.15 5.66 5.56 5.14 5.04 4.99 4.43 5.20
2059/60 - - - - 4.08 4.46 4.22 4.94 5.13 4.63 3.31 4.93 4.71
2060/61 5.31 5.18 5.30 5.15 5.12 4.95 4.70 4.04 3.02 2.65 2.57 3.81 4.15
2061/62 - - 3.53 - 3.06 2.49 2.78 3.54 3.98 4.84 4.87 4.79 4.32
2062/63 - - 3.87 3.93 3.09 3.42 3.50 3.80 4.31 4.20 3.74 4.04 3.95
2063/64 - - 3.78 3.33 3.04 3.14 3.21 3.01 3.09 3.55 3.19 4.00 3.50
2064/65 - 3.04 3.04 3.28 3.40 4.67 6.45 5.95 4.82 5.30 5.66 6.47 5.49
2065/66 - 3.56 5.57 5.65 4.96 5.20 6.84 6.19 5.96 6.53 6.59 6.55 6.06
2066/67 - 3.39 - 6.04 5.43 7.39 8.11 - 7.60 - 6.96 7.28 7.85
tflnsf !^
g]kfn ;/sf/sf] s'n cfGtl/s C0f
-¿= s/f]8df_
2066 2066/67 kl/jt{g
c
l;=g+= C0fkqx? tyf :jfldTj c;f/ ;fpg ebf} c;f]h sflQs d+l;/ k'; df3 kmfu'g r}t j}zfv h]7 c;f/ c;f/ ^&—c;f/ ^^
! 6«]h/L laN; 8651.51 8651.51 8651.51 8651.51 8651.51 8651.51 8677.51 8237.39 8237.39 8237.39 8237.39 8979.39 10204.37 1552.87
s= a}+ls+u If]q 8360.34 8360.34 8395.29 8451.94 8440.84 8387.99 8231.01 7822.20 7820.50 7822.20 7838.14 8611.34 9858.69 1498.35
c= g]kfn /fi6« a}+s 2254.86 1496.86 1496.86 2040.86 2240.86 2343.96 2918.89 2844.32 2639.97 2640.06 2640.06 2640.06 3047.74 792.89
cf= jfl0fHo a}+sx? 6105.48 6863.48 6898.43 6411.08 6199.98 6044.03 5312.12 4977.88 5180.54 5182.14 5198.08 5971.28 6810.95 705.47
v= u}/ a}+ls+u If]q 291.17 291.17 256.22 199.57 210.67 263.52 446.50 415.19 416.89 415.19 399.25 368.05 345.68 54.51
@ ljsf; C0fkq 2947.85 2947.85 2947.85 2947.85 2947.85 2947.85 2947.85 3097.85 3097.85 3097.85 3097.85 3202.85 3551.94 604.09
s= a}+ls+u If]q 1103.89 1103.96 1104.05 1104.05 1104.05 1107.56 1107.73 1146.73 1146.74 1193.19 1193.40 1238.77 1503.77 399.88
c= g]kfn /fi6« a}+s 30.22 30.29 30.38 30.38 30.38 30.39 30.56 30.56 30.57 30.57 30.78 30.91 30.91 0.68
cf= jfl0fHo a}+sx? 1073.67 1073.67 1073.67 1073.67 1073.67 1077.17 1077.17 1116.17 1116.17 1162.63 1162.63 1207.87 1472.87 399.20
v= u}/ a}+ls+u If]q 1843.96 1843.90 1843.81 1843.81 1843.81 1840.30 1840.13 1951.13 1951.12 1904.66 1904.45 1964.08 2048.17 204.21
# /fli6«o artkq 21.69 21.69 21.69 21.69 21.69 21.69 21.69 21.69 21.69 0.00 0.00 0.00 0.00 -21.69
s= a}+ls+u If]q 7.69 8.23 8.28 8.28 8.32 8.51 8.79 9.02 9.35 0.00 0.00 0.00 0.00 -7.69
c= g]kfn /fi6« a}+s 7.69 8.23 8.28 8.28 8.32 8.51 8.79 9.02 9.35 0.00 0.00 0.00 0.00 -7.69
cf= jfl0fHo a}+sx? 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
v= u}/ a}+ls+u If]q 14.00 13.46 13.41 13.41 13.37 13.18 12.90 12.67 12.33 0.00 0.00 0.00 0.00 -14.00
$ gful/s artkq 443.36 443.36 443.36 443.36 443.36 443.36 443.36 443.36 503.36 503.36 503.36 537.29 512.69 69.32
s= a}+ls+u If]q 115.51 134.22 135.09 136.28 137.29 144.50 161.99 171.26 205.20 215.95 240.80 267.31 263.50 147.98
c= g]kfn /fi6« a}+s 115.51 134.22 135.09 136.28 137.29 144.50 161.99 171.26 205.20 215.95 240.80 267.31 263.50 147.98
v= u}/ a}+ls+u If]q* 327.85 309.15 308.27 307.08 306.07 298.87 281.38 272.10 298.17 287.42 262.56 269.97 249.19 -78.66
% ljz]if C0fkq 22.96 21.54 21.54 21.19 21.19 20.74 20.42 20.41 20.41 18.44 17.22 16.97 16.97 -5.99
s= a}+ls+u If]q 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 0.00
c= g]kfn /fi6« a}+s 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
cf= jfl0fHo a}+sx? 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 15.76 -5.99
v= u}/ a}+ls+u If]q 7.20 5.78 5.78 5.43 5.43 4.98 4.66 4.65 4.65 2.68 1.46 1.21 1.21 -10.43
h;dWo] 8\o'6L 8« Aofs 10.43 18.18 18.18 18.18 18.18 18.18 13.02 10.43 10.43 10.43 7.20 0.00 0.00 616.42
+
^ 5f]6f] cjlwsf] shf{ tyf ;fk6 883.58 -278.65 720.59 731.36 332.79 -35.33 -342.36 -336.42 -82.31 -698.44 -392.62 -58.87 1500.00 616.42
g]kfn /fi6« a}+s 883.58 -278.65 720.59 731.36 332.79 -35.33 -342.36 -336.42 -82.31 -698.44 -392.62 -58.87 1500.00 616.42
& s'n hDdf 12970.95 11807.30 12806.54 12816.96 12418.39 12049.82 11768.47 11484.29 11798.39 11158.60 11463.21 12677.63 15785.97 2815.02
s= a}+ls+u If]q 10486.78 9343.85 10379.05 10447.66 10039.04 9628.98 9182.91 8828.54 9115.24 8548.66 8895.48 10074.32 13141.72 2654.95
c= g]kfn /fi6« a}+s 3291.86 1390.94 2391.19 2947.15 2749.63 2492.02 2777.87 2718.74 2802.77 2188.13 2519.02 2879.41 4842.15 1550.28
cf= jfl0fHo a}+sx? 7194.91 7952.91 7987.86 7500.51 7289.41 7136.96 6405.05 6109.81 6312.47 6360.53 6376.47 7194.91 8299.58 1104.66
v= u}/ a}+ls+u If]q 2484.18 2463.45 2427.49 2369.30 2379.35 2420.84 2585.56 2655.74 2683.15 2609.95 2567.72 2603.31 2644.25 160.07
* @)^& c;f/df hf/L ul/Psf] a}b]lzs /f]huf/ af]08sf] /sd ? $) nfv ;dfj]z
+ C0ffTds c+sn] ;/sf/sf] g]kfn /fi6« a}+sdf /x]sf] art hgfpF5
c ckl/is[t
;|f]t : g]kfn /fi6« a}+s
tflnsf !&
g]kfn ;/sf/sf] v'b cfGtl/s C0f
?= s/f]8df
2060/61 2061/62 2062/63 2063/64 2064/65 2065/66 2066/67 c
s s'n cfGtl/s C0f 705.3 902.6 1185.0 1789.2 2049.6 1841.7 2991.4
6]«h/L laN; 370.0 547.1 1083.4 1205.2 1250.0 900.0 1993.0
ljsf; C0fkq 200.0 300.0 75.0 550.0 607.0 775.0 904.1

/fli6«o artkq 90.0 21.7 0.0 0.0 0.0 0.0 0.0
gful/s artkq+ 24.8 25.0 25.0 34.0 192.6 166.7 94.3
ljz]if C0fkq 20.5 8.8 1.6 0.1 0.0 0.0 0.0

v e'StfgL 541.5 613.5 736.0 961.4 856.1 878.3 792.8
6]«h/L laN; 243.1 126.4 187.0 164.8 191.2 751.8 440.1
ljsf; C0fkq 51.0 55.0 279.0 428.2 351.2 0.7 300.0
/fli6«o artkq 150.0 267.0 270.0 236.0 40.0 90.0 21.7

gful/s artkq 0.0 0.0 0.0 62.8 30.3 24.8 25.0
ljz]if C0fkq 97.4 165.1 0.0 69.7 243.4 11.0 6.0

u v'b cfGtl/s C0f -s—v_ 163.8 289.1 449.0 827.8 1193.5 963.5 2198.6
6]«h/L laN; 126.9 420.7 896.4 1040.4 1058.8 148.2 1552.9
ljsf; C0fkq 149.0 245.0 -204.0 121.8 255.8 774.3 604.1
/fli6«o artkq -60.0 -245.3 -270.0 -236.0 -40.0 -90.0 -21.7
gful/s artkq 24.8 25.0 25.0 -28.8 162.3 141.9 69.3
ljz]if C0fkq -76.9 -156.3 1.6 -69.6 -243.4 -11.0 -6.0
3 clwljsif{ ! -75.3 262.3 107.1 -312.3 -82.4 883.6 616.4

ª v'b cfGtl/s C0f -cf]e/ 8«fkm\6 ;lxt, u +3_ 88.5 551.4 556.1 515.6 983.1 1847.0 2815.0
r s'n ufx{:Yo pTkfbg -pTkfbs d"Nodf_ 53674.9 58941.2 65408.4 72782.697 81566.3 99131.6 118268.0
5 v'b cfGtl/s C0f÷s'n ufx{:Yo pTkfbg -k|ltzt_ 0.31 0.49 0.69 1.14 1.46 1.00 1.86
h v'b cfGtl/s C0f -cf]e/ 8«fkm\6 ;lxt_÷
s'n ufx{:Yo pTkfbg -k|ltzt_ 0.16 0.94 0.85 0.71 1.21 1.86 2.38
c ckl/is[t
+ @)^& c;f/df hf/L ul/Psf] a}b]lzs /f]huf/ af]08sf] /sd ? $) nfv ;dfj]z
!
C0ffTds c+sn] ;/sf/sf] g]kfn /fi6« a}+sdf /x]sf] art hgfpF5
tflnsf !*
!
;/sf/L ljQ l:ylt
-gub k|jfxdf cfwfl/t_
-?= s/f]8df_
kl/jt{g
@)^$÷^% @)^%÷^^ @)^^÷^& c @)^%÷^^ @)^^÷^&
/sd k|ltzt /sd k|ltzt
ljlgof]lht vr{ 15575.8 21836.9 25625.9 6261.0 40.2 3789.0 17.4
rfn' vr{ 8962.2 12629.4 14724.9 3667.3 40.9 2095.5 16.6
k'FhLut vr{ 4737.2 6730.4 8039.8 1993.2 42.1 1309.4 19.5
s= cfGtl/s ;fwfg÷>f]t / C0f 3984.4 5630.2 6453.9 1645.8 41.3 823.7 14.6
v= a}b]lzs cg'bfg 752.8 1100.2 1585.9 347.4 46.2 485.7 44.1
;fFjf e'QmfgL 1638.7 1918.0 1843.2 279.4 17.0 -74.8 -3.9
cGo -lk|mh_ 237.8 559.0 1017.9 321.2 135.1 459.0 82.1
vr{ eO{ aFfsL /x]sf] ;/sf/L df}Hbft 579.9 1167.6 788.4 587.7 101.3 -379.2 -32.5
rfn" vr{ 128.6 672.5 287.1 543.9 422.9 -385.5 -57.3
k"FhLut vr{ 412.2 457.4 501.4 45.2 11.0 44.0 9.6
;fFjf e'QmfgL 39.1 37.7 0.0 -1.4 -3.6 -37.7 -100.0
oyfy{ vr{ 14995.9 20669.2 24837.4 5673.3 37.8 4168.2 20.2
rfn" vr{ 8833.6 11956.9 14437.8 3123.4 35.4 2480.9 20.7
k"FhLut vr{ 4325.0 6273.0 7538.4 1948.0 45.0 1265.4 20.2
;fFjf e'QmfgL 1599.6 1880.3 1843.2 280.8 17.6 -37.1 -2.0
cGo -lk|mh_ 237.8 559.0 1017.9 321.2 135.1 459.0 82.1
;fwg >f]t 12748.3 17233.6 20929.1 4485.3 35.2 3695.4 21.4
/fh:j 10762.3 14347.5 17994.6 3585.2 33.3 3647.2 25.4
a}b]lzs cg'bfg 1753.1 2440.1 2485.4 687.0 39.2 45.4 1.9
u}/ ah]6/L cfo, v'b 155.9 44.6 549.6 -111.3 -71.4 505.0 1132.7
cGo cfo # -2.1 -5.8 8.1 -3.7 174.4 13.9 -239.6
le=P=6L= 4.6 28.7 -30.4 24.1 520.3 -59.1 -205.7
:yflgo lgsfo lx;fj 74.6 378.6 -78.2 304.0 407.5 -456.9 -120.7
jrt -+_, Go"g -—+_ -2247.6 -3435.6 -3908.4 -1188.0 52.9 -472.7 13.8
Go"g Joxf]l/g] >f]tx? 2247.6 3435.6 3908.4 1188.0 52.9 472.7 13.8
cfGtl/s C0f 1967.3 3119.9 3607.8 1152.6 58.6 488.0 15.6
a}b]lzs C0f 387.2 372.6 426.7 -14.6 -3.8 54.1 14.5

cGo /sd tyf Jofh cfo / e"QmfgL --_ -106.9 -56.9 -126.2 50.0 -46.8 -69.3 121.8
! — g]kfn /fi6« a}+ssf] /]s8{ cg';f/

# — uf=lj=; / lh=lj=;=nfO{ ljt/0f ePsf] dWo] vr{ geO{ afFlam /x]sf] /sd
c — cg'dflgt
tflnsf !(
*
j}b]lzs Jofkf/
- P3f/ dlxgfsf] tYofÍdf cfwfl/t_
-¿= s/f]8df_
@)^) /^! @)^! /^@ @)^@ /^# @)^# /^$ @)^$ /^% @)^% /^^ P3f/ dlxgfsf] tYofÍ k|ltzt kl/jt{g
jflif{s jflif{s jflif{s jflif{s jflif{s jflif{s @)^$ /^% @)^% /^^ k @)^^ /^& c 65/66 66/67
s'n lgof{t 5391.07 5870.57 6023.41 5938.31 5926.65 6769.75 5303.84 6140.19 5536.79 15.8 -9.8
ef/ttk{m 3077.71 3891.69 4071.47 4172.88 3855.57 4100.59 3491.78 3790.23 3620.52 8.5 -4.5
cGo d'n'sx?tk{m 2313.36 1978.88 1951.94 1765.43 2071.08 2669.16 1812.06 2349.96 1916.27 29.7 -18.5
s'n cfoft 13627.71 14947.36 17378.03 19469.46 22193.77 28446.96 20067.73 25359.76 34298.55 26.4 35.2
ef/ttk{m 7873.95 8867.55 10714.31 11587.23 14237.65 16243.76 12902.51 14437.04 19596.92 11.9 35.7
cGo d'n'sx?tk{m 5753.76 6079.81 6663.72 7882.23 7956.12 12203.20 7165.22 10922.72 14701.63 52.4 34.6
Jofkf/ ;Gt'ng -8236.64 -9076.79 -11354.62 -13531.15 -16267.12 -21677.21 -14763.89 -19219.57 -28761.76 30.2 49.6
ef/ttk{m -4796.24 -4975.86 -6642.84 -7414.35 -10382.08 -12143.17 -9410.73 -10646.81 -15976.40 13.1 50.1
cGo d'n'sx?tk{m -3440.40 -4100.93 -4711.78 -6116.80 -5885.04 -9534.04 -5353.16 -8572.76 -12785.36 60.1 49.1
s'n Jofkf/ 19018.78 20817.93 23401.44 25407.77 28120.42 35216.71 25371.57 31499.95 39835.34 24.2 26.5
ef/ttk{m 10951.66 12759.24 14785.78 15760.11 18093.22 20344.35 16394.29 18227.27 23217.44 11.2 27.4
cGo d'n'sx?tk{m 8067.12 8058.69 8615.66 9647.66 10027.20 14872.36 8977.28 13272.68 16617.90 47.8 25.2
j}b]lzs Jofkf/;Fu ;DalGwt s]xL cg'kftx?

lgof{t / cfoft cg'kft 39.6 39.3 34.7 30.5 26.7 23.8 26.4 24.2 16.1
ef/t;+u 39.1 43.9 38.0 36.0 27.1 25.2 27.1 26.3 18.5
cGo d'n'sx?;+u 40.2 32.5 29.3 22.4 26.0 21.9 25.3 21.5 13.0
s'n lgof{t cg'kft

ef/t;+u 57.1 66.3 67.6 70.3 65.1 60.6 65.8 61.7 65.4
cGo d'n'sx?;+u 42.9 33.7 32.4 29.7 34.9 39.4 34.2 38.3 34.6
s'n cfoft cg'kft

ef/taf6 57.8 59.3 61.7 59.5 64.2 57.1 64.3 56.9 57.1
cGo d'n'sx?af6 42.2 40.7 38.3 40.5 35.8 42.9 35.7 43.1 42.9
s'n Jofkf/ ;Gt'ng cg'kft

ef/t;+u 58.2 54.8 58.5 54.8 63.8 56.0 63.7 55.4 55.5
cGo d'n'sx?;+u 41.8 45.2 41.5 45.2 36.2 44.0 36.3 44.6 44.5
s'n Jofkf/ cg'kft

ef/t;+u 57.6 61.3 63.2 62.0 64.3 57.8 64.6 57.9 58.3
cGo d'n'sx?;+u 42.4 38.7 36.8 38.0 35.7 42.2 35.4 42.1 41.7
s'n Jofkf/df lgof{t / cfoftsf] cg'kft

lgof{t 28.3 28.2 25.7 23.4 21.1 19.2 20.9 19.5 13.9
cfoft 71.7 71.8 74.3 76.6 78.9 80.8 79.1 80.5 86.1
* = e+;f/ tYofÍdf cfwfl/t

k = kl/is[t
c = cg'dflgt
tflnsf @)
zf]wgfGt/ l:ylt
-¿= s/f]8df_
k|ltzt kl/jt{g
P3f/ dlxgf
zLif{s 2064/65 2065/66
k
2066/67
c
P3f/ dlxgf jflif{s P3f/ dlxgf jflif{s P3f/ dlxgf 2065/66 2066/67
s= rfn" vftf 1597.9 2368.0 3958.2 4143.7 -3458.6 147.7 -187.4

lgof{t -a:t'_ Pkm= cf]= aL= 5569.4 6197.1 6381.0 6990.7 5751.6 14.6 -9.9
t]n - - - - 0.0 - -
cGo 5569.4 6197.1 6381.0 6990.7 5751.6 14.6 -9.9
cfoft -a:t'_ Pkm= cf]= aL= -19728.6 -21796.3 -24867.9 -27922.8 -33566.9 26.1 35.0
k]6«f]lnod kbfy{ -3716.2 -4081.6 -3701.8 -4135.7 -4595.5 -0.4 24.1
cGo -16012.4 -17714.7 -21166.1 -23787.1 -28971.4 32.2 36.9
Jofkf/ ;Gt'ng -14159.2 -15599.2 -18486.9 -20932.1 -27815.4 30.6 50.5
v'b ;]jf cfo -941.4 -1109.2 -826.4 -1047.8 -2126.2 -12.2 157.3
;]jf cfo 3811.9 4223.6 4945.2 5283.0 4143.2 29.7 -16.2
ofqf 1712.1 1865.3 2628.0 2796.0 2235.9 53.5 -14.9
cGoq gk/]sf] ;/sf/L cfo 1194.8 1330.2 1212.7 1273.4 575.5 1.5 -52.5
cGo 905.0 1028.1 1104.6 1213.6 1331.8 22.0 20.6
;]jf e'QmfgL -4753.4 -5332.8 -5771.7 -6330.8 -6269.3 21.4 8.6
oftfoft -1972.6 -2267.6 -2069.8 -2211.6 -2167.4 4.9 4.7
ofqf -1899.2 -2086.2 -2848.5 -3139.6 -3015.7 50.0 5.9
h;df lzIffdfq -681.7 -737.3 -1097.5 -1212.6 -1156.2 61.0 5.4
cGo -881.6 -979.0 -853.4 -979.6 -1086.2 -3.2 27.3
Jofkf/ tyf ;]jf If]qsf] ;Gt'ng -15100.7 -16708.4 -19313.4 -21979.9 -29941.6 27.9 55.0
v'b cfo 668.9 794.7 1076.6 1175.0 685.4 61.0 -36.3
cfo k|fKtL 1179.2 1344.8 1525.8 1650.7 1217.4 29.4 -20.2
cfo e'QmfgL -510.4 -550.1 -449.2 -475.7 -532.1 -12.0 18.5
Jofkf/, ;]jf tyf cfo ;Gt'ng -14431.8 -15913.7 -18236.7 -20805.0 -29256.2 26.4 60.4
v'b 6«fG:km/ 16029.7 18281.7 22194.9 24948.7 25797.6 38.5 16.2
6«fG:km/ cfo 16271.2 18546.3 22937.1 25746.1 26266.5 41.0 14.5
cg'bfg 1786.6 2099.3 2184.8 2679.6 2472.1 22.3 13.1
lghL If]qsf] ljk|]if0f 12510.9 14268.3 18888.1 20969.9 21116.8 51.0 11.8
k]G;g 1697.8 1879.0 1584.7 1775.5 2405.8 -6.7 51.8
cGo -ef/tLo cGtMz'Ns lkmtf{_ 276.0 299.7 279.5 321.1 271.8 1.3 -2.8
6«fG:km/ e'QmfgL -241.5 -264.6 -742.3 -797.5 -468.9 207.3 -36.8
v= k"FhL vftf -k"FhL 6«fG:km/_ 752.8 791.3 603.6 623.1 1150.8 -19.8 90.7
hDdf -s±v_ 2350.7 3159.2 4561.8 4766.8 -2307.8 94.1 -150.6
u= ljQLo vftf -;d"x ª afx]s_ 798.6 1103.3 1767.9 1805.0 480.4 121.4 -72.8
k|ToIf j}bl] zs nufgL cfk|jfx 28.3 29.4 182.3 182.9 241.5 545.2 32.5
kf]6{kmf]lnof] nufgL 0.0 0.0 0.0 0.0 0.0 - -
cGo nufgLM ;DklQ (1,016.75) (1,139.61) (1,443.85) (1,767.51) -1925.6 42.0 33.4
Jofkfl/s ;fv -31.8 85.3 -367.8 -302.4 -201.2 1057.0 -45.3
cGo -985.0 -1224.9 -1076.1 -1465.1 -1724.4 9.2 60.3
cGo nufgLM bfloTj 1787.1 2213.5 3029.5 3389.6 2164.5 69.5 -28.6
Jofkfl/s ;fv 858.6 1248.4 1671.4 1955.5 2944.2 94.7 76.1
C0f 308.6 339.2 -242.7 -289.9 -340.3 -178.6 40.2
;/sf/ 312.1 345.6 -237.1 -283.2 -337.2 -176.0 42.2
C0f k|fKtL 983.1 1132.6 673.9 728.8 633.2 -31.5 -6.0
;fFjf e'QmfgL -671.0 -787.0 -911.0 -1012.0 -970.4 35.8 6.5
cGo If]q -3.5 -6.4 -5.6 -6.7 -3.1 59.1 -45.0
d'b|f tyf lgIf]k 619.9 626.0 1600.7 1724.0 -439.5 158.2 -127.5
g]kfn /fi6« a}+s -0.6 -0.6 -0.3 -8.4 0.0 -45.9 -100.0
jfl0fHo a}+sx? 620.5 626.5 1601.1 1732.4 -439.5 158.0 -127.4
cGo bfloTj 0.0 0.0 0.0 0.0 0.0 - -
hDdf -s±v±u_ 3,149.28 4,262.47 6,329.67 6,571.81 -1827.4 101.0 -128.9
3= v"b ljljw k"FhL cfk|jfx -62.9 -669.0 -823.2 -719.8 -119.3 1209.2 -85.5
hDdf -s±v±u±3_ 3086.4 3593.4 5506.5 5852.0 -1946.7 78.4 -135.4
ª= ;l~rtL tyf ;DalGwt zLif{s -3086.4 -3593.4 -5506.5 -5852.0 1946.7 78.4 -135.4
;l~rt ;DklQ -3193.2 -3700.2 -5498.4 -5852.0 1618.6 72.2 -129.4
g]kfn /fi6 a}+s -2265.6 -2963.7 -4298.1 -4575.1 1087.0 89.7 -125.3
jfl0fHo a}+sx? -927.6 -736.5 -1200.3 -1276.9 531.6 29.4 -144.3
cfO{= Pd= Pkm= shf{ pkof]u 106.8 106.8 -8.1 0.0 328.0 -107.6 -
v'b j}bl] zs ;DklQdf kl/jt{g -—j[l4_ -2466.5 -2967.5 -3905.7 -4128.0 1507.2 58.4 -138.6
c – cg'dflgt
k – kl/is[t
tflnsf @!
a}+lsË If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
-¿= s/f]8df_
2062 2063 2064 2065 2066 2066 2067 k|ltzt kl/jt{g
c;f/ c;f/ c;f/ c;f/ h]7 c;f/ h]7c c;f/b]lv h]7;Dd
2065/66 2066/67
g]kfn /fi6« a}+s 10442.37 13196.76 12962.64 16968.36 21662.36 22419.03 19684.09 27.7 -12.2
kl/jTo{ ljb]zL d'b|f 10082.36 12414.72 12375.53 14284.88 19377.31 20175.60 16078.71 35.6 -20.3
ckl/jTo{ ljb]zL d'b|f 360.01 782.04 587.11 2683.48 2285.05 2243.43 3605.38 -14.8 60.7
jfl0fHo a}+sx? 2547.27 3306.54 3549.96 4293.99 5505.38 5579.53 5058.30 28.2 -9.3
kl/jTo{ ljb]zL d'b|f 2315.49 3179.07 3168.10 3882.71 5096.21 5220.04 4532.24 31.3 -13.2
ckl/jTo{ ljb]zL d'b|f 231.78 127.47 381.86 411.28 409.17 359.49 526.06 -0.5 46.3
s'n ljb]zL ljlgdo ;l~rlt 12989.64 16503.30 16512.60 21262.35 27167.74 27998.56 24742.39 27.8 -11.6
kl/jTo{ ljb]zL d'b|f 12397.85 15593.79 15543.63 18167.59 24473.52 25395.64 20610.95 34.7 -18.8
s'n ;l~rltdf kl/jTo{ d'b|fsf] c+z -k|ltztdf_ 95.4 94.5 94.1 85.4 90.08 90.70 83.30 - -
ckl/jTo{ ljb]zL d'b|f 591.79 909.51 968.97 3094.76 2694.22 2602.92 4131.44 -12.9 58.7
s'n ;l~rltdf ckl/jTo{ d'b|fsf] c+z -k|ltztdf_ 4.6 5.5 5.9 14.6 9.92 9.30 16.70 - -
cfoft wfGg ;Sg] Ifdtf -dlxgfdf_
a:t' 10.4 11.4 10.2 11.5 11.79 12.03 8.10 - -
a:t' tyf ;]jf 8.8 9.6 8.4 9.3 9.60 9.81 6.83 - -
!= s'n ljb]zL ljlgdo ;l~rlt 12989.64 16503.30 16512.60 21262.35 27167.74 27998.56 24742.39 27.8 -11.6
@= ;'g, P; 8L cf/, cfO Pd Pkm uf]N8 6«fGr] 102.05 106.87 58.75 63.06 54.77 55.53 613.76 -13.1 1005.3
#= s'n j}b]lzs ;DklQ -!±@_ 13091.69 16610.17 16571.35 21325.41 27222.51 28054.09 25356.15 27.7 -9.6
$= j}b]lzs bfloTj 2317.48 2666.25 3380.40 4179.87 5790.59 5945.74 5743.97 38.5 -3.4
%= v'b j}b]lzs ;DklQ -#—$_ 10774.21 13943.92 13190.95 17145.54 21431.92 22108.35 19612.19 25.0 -11.3
^= v'b j}b]lzs ;DklQdf kl/jt{g -ljlgdo d"NofÍg ;dfof]hg k"j{_* 106.25 -3169.71 752.97 -3954.59 -4286.38 -4962.81 2496.16 - -
&= ljb]zL ljlgdo d"NofÍg -—3f6f_ -680.48 609.23 -1343.40 987.14 380.65 834.84 -988.96 - -
*= v'b j}b]lzs ;DklQdf kl/jt{g -— j[l4_ -^±&_ ** -574.23 -2559.77 -590.42 -2967.45 -3905.73 -4127.97 1507.22 - -
d;fGtsf] vl/b b/ - ? k|lt cd]l/sL 8n/_M 70.35 74.10 64.85 68.50 75.60 78.05 74.60 - -
*= v'b j}b]lzs ;DklQsf] kl/jt{g cfiff9 d;fGtsf] tYofÍnfO{ cfwf/ dfgL lnOPsf] .
* * = ljb]zL ljlgdo d"NofÍg gfkmf/3f6f ;dfof]hg kZrft .
c–cg'dfg
;|f]t: g]kfn /fi6« a}+s / jfl0fHo a}+sx?
tflnsf @@
cd]l/sL 8n/ e'QmfgL u/L ef/taf6 ePsf] cfoft
-¿= s/f]8df_
dlxgf 2060/61 2061/62 2062/63 2063/64 2064/65 2065/66 2066/67
;fpg 72.87 72.61 98.01 95.75 213.38 341.74 393.95
ebf} 98.01 111.74 97.76 120.80 165.52 282.01 423.52
c;f]h 111.42 131.68 90.79 86.57 241.16 154.35 414.55
sflQs 101.92 118.65 110.32 118.83 206.57 157.14 389.48
d+l;/ 135.45 120.58 158.37 166.14 285.99 230.16 476.74
k'; 99.69 139.49 115.62 164.40 380.55 201.68 491.78
df3 150.36 115.44 60.38 71.70 296.21 200.75 510.75
kmfu'g 171.79 110.78 60.30 142.85 196.31 248.01 375.58
r}t 206.05 156.72 139.86 205.29 344.21 376.82 438.21
a}zfv 130.99 183.08 91.64 271.48 342.02 349.50 342.72
h]7 145.54 182.52 118.15 171.12 220.57 345.21 301.62
c;f/ 101.60 190.02 139.40 157.18 309.14 425.31
hDdf 1525.69 1633.31 1280.59 1772.09 3201.64 3312.68 4558.90
tflnsf @#
cd]l/sL 8n/ laqmL u/L ePsf] ef/tLo d'b|f v/Lb
-s/f]8df_
2063/64 2064/65 2065/66 2066/67
dlxgf ef=¿= vl/b 8n/ laqmL ef=¿= vl/b 8n/ laqmL ef=¿= vl/b 8n/ laqmL ef=¿= vl/b 8n/ laqmL
;fpg 233.46 5.0 364.16 9.0 596.96 14.0 1,593.04 33.0
ebf} 278.65 6.0 367.54 9.0 264.41 6.0 874.86 18.0
c;f]h 320.53 7.0 554.27 14.0 325.71 7.0 563.00 12.0
sflQs 360.22 8.0 393.24 10.0 1,065.71 22.0 373.92 8.0
d+l;/ 268.93 6.0 553.16 14.0 695.08 14.0 745.36 16.0
k'; 311.20 7.0 394.35 10.0 438.18 9.0 831.69 18.0
df3 132.67 3.0 512.58 13.0 635.23 13.0 830.21 18.0
kmfu'g 309.38 7.0 479.99 12.0 756.17 15.0 550.32 12.0
r}t 345.76 8.0 562.48 14.0 562.19 11.0 724.66 16.0
a}zfv 495.06 12.0 647.48 16.0 649.58 13.0 1,162.79 26.0
h]7 529.33 13.0 767.84 18.0 529.82 11.0 933.21 20.0
c;f/ 447.59 11.0 1,463.16 34.0 821.04 17.0 1,026.30 22.0
hDdf 4,032.77 93.0 7,060.25 173.0 7,340.06 152.0 10,209.32 219.0

Cfly (S Jif (@) &. SF) DF) LB - S GLLT: G) KFN /fi6 A) +S

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Cfly (S Jif (@) &. SF) DF) LB - S GLLT: G) KFN /fi6 A) +S

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cfly{s jif{ @)^&.

g]kfn /fi6« a}+s

cfly{s jif{ @)^&.^*

g]kfn /fi6« a}+s

kmf]g g+= $$!!^#*

cfly{s jif{ @)^&÷^* sf] df}lb|s gLlt

C0f pkef]Qmf ;+3x¿ / pBf]uL–Joj;foLx¿;+u ePsf cGt/lqmofx¿af6 cfPsf

df}lb|s gLltsf] cw{jflif{s ;dLIffdf pko'{Qm sbdx¿nfO{ lg/Gt/tf lbb}+ /fxbfgL

zfvfx¿sf]] ;'kl/j]If0f sfo{nfO{ ;3fp k'¥ofpg zfvf n]vfk/LIf0f ;DaGwL cjwf/0ffkq

n3'ljQ tyf ljQLo kx'Fr

!= v'b j}b]lzs ;DklQ 13190.90 17145.50 22108.37 20711.87 21611.87 4128.02 1

s'n cfGtl/s shf{ * 37658.20 45329.40

v'b cdf}lb|s bfloTj * 11297.30 12809.20

l;=g+= xf/df]lgs sf]* gDa/ ;fdfgsf] gfd

l;=g+= xf/df]lgs sf]* gDa/ ;fdfgsf] gfd

l;=g+= xf/df]lgs sf]* gDa/ ;fdfgsf] gfd

l;=g+= xf/df]lgs sf]* gDa/ ;fdfgsf] gfd

126 efu 29=05=14=00 df pNn]v ePsf] ISO Butanol

s'n hDdf 1,351.0 - 1,840.0 - 1,485.0 4.81 746.0 - 744.0 2.17

s'n hDdf 668.00 45.00 200.00 900.00 1,100.00 13,167.68

v'b t/ntf v'b t/ntf v'b t/ntf

sflQs 660.24 - 660.24 1,154.88 - 1,154.88 637.20 - 637.20

d+l;/ 912.44 - 912.44 1,749.20 - 1,749.20 721.01 - 721.01

k'; 591.51 - 591.51 1,349.47 - 1,349.47 425.89 44.68 381.22

df3 703.31 54.89 648.42 1,213.41 - 1,213.41 864.23 - 864.23

kmfu'g 1,283.40 - 1,283.40 1,191.98 - 1,191.98 895.09 - 895.09

r}t 1,099.33 - 1,099.33 1,079.45 - 1,079.45 1,370.15 - 1,370.15

a}zfv 1,062.24 - 1,062.24 1,346.48 - 1,346.48 1,558.11 - 1,558.11

h]7 1,250.31 - 1,250.31 909.85 37.77 872.08 1,654.50 - 1,654.50

c;f/ 1,351.67 21.54 1,330.13 1,227.69 - 1,227.69 1,766.59 - 1,766.59

dlxgf vl/b laqmL

ebf} 7.29 0.60 6.69 10.96 1.38 9.59 12.66 - 12.66

c;f]h 11.59 - 11.59 24.52 - 24.52 5.98 - 5.98

sflQs 10.41 - 10.41 14.95 - 14.95 8.53 - 8.53

d+l;/ 14.34 - 14.34 21.95 - 21.95 9.70 - 9.70

k'; 9.33 - 9.33 17.45 - 17.45 5.74 0.60 5.14

df3 11.11 0.86 10.25 15.52 - 15.52 11.67 - 11.67

kmfu'g 19.96 - 19.96 14.77 - 14.77 12.17 - 12.17

r}t 17.03 - 17.03 13.26 - 13.26 19.02 - 19.02

a}zfv 16.43 - 16.43 16.89 - 16.89 21.89 - 21.89

h]7 18.35 - 18.35 11.95 0.50 11.45 22.23 - 22.23

c;f/ 19.64 0.31 19.33 15.91 - 15.91 23.71 - 23.71

;fpg 58.50 40.00 - - 2,243.20 -

ebf} 18.90 55.00 37.00 408.00 372.00 35.00

c;f]h 336.73 22.00 157.50 966.50 1,115.50 370.00

sflQs 1583.68 - 210.15 1,313.50 250.00 1,323.40

d+l;/ 236.25 - 107.47 931.00 - 2,817.89

k'; 20.00 75.35 307.00 1,078.00 601.00 1,978.44

df3 622.48 20.00 - 2,553.20 1,226.00 1,852.72

kmfu'g 1140.20 16.00 30.00 - 2,943.75 139.43

r}t 402.79 95.00 863.00 385.00 215.00 661.75

a}zfv 104.00 480.00 1382.10 2,125.00 1,122.00 6.71

h]7 60.00 - 35.00 450.00 1,118.00 0.29

c;f/ 347.21 185.00 1568.70 173.00 - 408.00

hDdf 4930.73 988.35 4697.92 10,383.20 10,778.25 9,593.63

/sd b/ -%_ /sd b/ -%_ /sd b/ -%_ /sd b/ -%_

ebf} 1883.00 1.83 3135.30 2.18 2189.70 2.33 2976.30 2.00

c;f]h 1585.50 2.11 3506.20 3.35 2393.40 5.16 2623.90 5.10

sflQs 1488.00 1.20 2147.20 3.73 3688.00 5.34 3055.95 9.22

d+l;/ 1418.00 1.34 2041.80 4.73 2166.10 2.38 2284.50 9.93

k'; 1739.50 3.03 2437.90 4.93 1995.50 3.37 3196.40 12.83

df3 896.20 2.01 1223.60 7.55 2729.30 8.32 2459.60 11.64

kmfu'g 771.30 1.39 1044.30 5.07 1893.86 6.38 1304.50 8.85