g]kfn /fi^ a}+s

a}+s tyf ljQLo ;+:yf lgodg ljefu

kq ;+Vof M a}=lj=lg=lj=gLltkl/kq!)^&^*

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

ldltM @)^&)$@%

;Dk"0f{ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?

-;Lldt a}+ls+u sf/f]af/ ug{ Ohfhtkqk|fKt ;xsf/L ;+:yfx? / ljQLo dWo:ytf ;DaGwL sf/f]af/ ug{ Ohfhtkqk|fKt u}/ ;/sf/L ;+:yfx? ;d]t_,

dxfzo,
cfly{s jif{ @)^&.^* sf] df}lb|s gLltdf pNn]v ePsf ljifo nufot lgDg lnlvt Joj:yfsf ;DaGwdf
b]xfo adf]lhd ug{'u/fpg' x'g g]kfn /fi6 a}+s P]g, @)%* sf] bkmf &( n] lbPsf] clwsf/ k|of]u u/L of] lgb]{zg
hf/L ul/Psf] 5 .
!= a}+sb/ -Bank Rate_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@!)^& sf] a'Fbf g+= !% df ePsf] k|rlnt a}+sb/df clGtd C0fbftf ;'ljwf lbOg] eGg] gLltut Joj:yf
adf]lhd ljBdfg a}+sb/ ^=% k|ltztsf] ;f & k|ltzt sfod ul/Psf] 5 .
@= j}wflgs t/ntf cg'kft -Statutory Liquidity Ratio_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)^& sf] O=k|f=lgb]{zg
g+= !#)^& sf] a'Fbf g+= -v_ df ePsf] zLif{ Joj:yfsf] cg'R5]bnfO{ b]xfo adf]lhd kl/dfh{g ul/Psf] 5 .

s ju{sf a}+sn] !% k|ltzt, v ju{sf ljsf; a}+sn] !! k|ltzt, u ju{sf ljQ sDkgLn] !) k|ltzt,
rNtL lgIf]k ;+sng gug]{ v / u ju{sf ljQLo ;+:yfn] ^ k|ltzt tyf ;j{;fwf/0fsf] ;d]t lgIf]k kl/rfng
z'? ul/;s]sf 3 ju{sf ljQLo ;+:yfxn] $ k|ltzt j}wflgs t/ntf cg'kft sfod ug'{ kg]{ Joj:yf ul/Psf]
5 . o; k|of]hgsf] nflu a}+s tyf ljQLo ;+:yfxsf] lgDgfg';f/sf] t/n ;DklQx? u0fgf ul/g]5 M M
-s_ g]kfn ;/sf/sf] ;'/If0fkqdf u/]sf] nufgL,
-v_ clgjfo{ df}Hbft k|of]hgsf nflu g]kfn /fi6 a}+sdf /flvPsf] /sd,
-u_ cfkm\gf] 9's'6Ldf /x]sf] gub df}Hbft,
-3_ v, u / 3 ju{sf ;+:yfsf] xsdf clgjfo{ df}Hbft k|of]hgsf nflu jfl0fHo a}+sx?df /x]sf] /sd,
-_ /fli6o:t/ jfx]ssf ljQLo ;+:yfx?n] dfu]sf jvt k|fKt x'g] u/L cGo a}+s tyf ljQLo ;+:yfx?df /fv]sf]
/sd,
-;+nUg cg';"rL !#=# adf]lhd_

o;dWo] s, v / u ju{sf a}+s tyf ljQLo ;+:yfx?n] %=% k|ltzt / rNtL lgIf]k :jLsf/ gug]{ ljQLo
;+:yfx? -v, u / ;j{;fwf/0faf6 ;d]t lgIf]k kl/rfng ug]{ 3 ju{sf_ n] @ k|ltzt clgjfo{ df}Hbft
cg'kft sfod ug'{ kg]{5 .
#= :yfoL t/ntf ;'ljwf -Standing Liquidity Facility_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg
g+= @!)^& sf] a'Fbf g+= * df :yfoL t/ntf ;'ljwf ;DaGwdf ePsf ;Dk"0f{ gLltut tyf k|lqmofut Joj:yfnfO{

Circular 2067_68 Final

g]kfn /fi^ a}+s

a}+s tyf ljQLo ;+:yf lgodg ljefu

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

oyfjt sfod /fvL pka'Fbf g+= -v_ df ePsf] Joj:yfnfO{ b]xfo adf]lhd kl/dfh{g ul/Psf] 5 .

:yfoL t/ntf ;'ljwfsf] Aofhb/ lgwf{/0f ubf{ kl5Nnf] (!lbg] 6]h/L ljnsf] efl/t cf};t Aofhb/ jf k|rlnt
a}+sb/ dWo] h'g a9L 5, To;df # k|ltzt ljGb'n] k]gfn b/ hf]8L pQm b/ sfod ul/Psf] 5 .
$= k'g/shf{ ;'ljwf -Refinance Facility_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@!)^& sf] a'Fbf g+= @( df ePsf ;Dk"0f{ gLltut tyf k|lqmofut Joj:yfnfO{ oyfjt sfod /fvL o; a}+saf6

pknAw u/fOg] ;fwf/0f k'g/shf{ ;'ljwfsf] Aofhb/nfO{ & k|ltzt sfod u/L a}+s tyf ljQLo ;+:yfxn] o:tf]
k'g/shf{df ;DalGwt C0fLaf6 a9Ldf !) k|ltzt;Dd dfq Aofh lng kfpg] Joj:yf ul/Psf] 5 . of] kl/kq
hf/L ePsf] ldlt kl5 k|jfx x'g] k'g/shf{df dfq kl/jlt{t b/ nfu" x'g]5 .

;fy}, ljkGg ju{ shf{df u0fgf x'g] u/L a}+s tyf ljQLo ;+:yfaf6 dlxnfxf/f ;+rflnt n3' pBdnfO{ k|jfx
ePsf] # nfv;Ddsf] shf{nfO{ ;f] shf{sf] lwtf] ;'/If0fdf o; a}+saf6 k'g/shf{ ;'ljwf pknAw u/fOg] 5 .
-gf]6M k'g/shf{ ;'ljwf cGtu{t k|afx ePsf] shf{ ;DaGwL ljj/0f cg';"rL @!=* sf] 9fFrfdf ;DalGwt ;'kl/j]If0f ljefudf dfl;s
?kdf dlxgf ;dfKt ePsf] ldltn] !% lblgleqdf k]z ug'{ kg]{5 ._
%= lgof{t k'g/shf{ -Export Refinance_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@!)^& sf] a'Fbf g+= #) sf] pka'Fbf g+= $ -v_ df b]xfosf] Joj:yf yk ul/Psf] 5 .

lgof{tof]Uo j:t' pTkfbg ug]{ 3/]n' tyf ;fgf pBf]u .

^= ljz]if k'g/shf{b/ -Special Refinance Rate_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@!)^& df b]xfosf] Joj:yf yk ul/Psf] 5 .

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
JolQmxnfO{ k|jfx x'g] shf{sf] k'g/shf{b/nfO{ !=% k|ltzt sfod ul/Psf] 5 . ;fy}, 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 k|bfg ul/Psf] shf{sf] lwtf] ;'/If0fdf !=% k|ltzt b/df k'g/shf{ ;'ljwf pknAw u/fOg] 5 . of] ;'ljwf
pkof]u ubf{ a}+s tyf ljQLo ;+:yfx?n] ;DalGwt u|fxsaf6 $=% k|ltzteGbf a9L Aofh lng kfpg] 5}gg\ .
&= /fli6o:t/sf] v ju{sf ljsf; a}+sxsf] k'FhL kof{Kttf -Capital Adequacy_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
!)^& sf] cg';"rL g+= !=! -Capital Adequacy Framework, 2007, updated July 2008_ cGtu{tsf] 9fFrfdf cfly{s
jif{ @)^&^* b]lv /fli6o:t/sf v ju{sf ljsf; a}+sxn] ;d]t ljBdfg Joj:yfsf cltl/Qm ;dfgfGt/
-Parallel_ ?kdf k'FhLsf]if kof{Kttf cg'kftsf ljj/0fx? tyf jflif{s ljj/0fx? lgoldt?kdf ;DalGwt ;'kl/j]If0f
ljefudf k]z ug'{ kg]{5 .

Circular 2067_68 Final

g]kfn /fi^ a}+s

a}+s tyf ljQLo ;+:yf lgodg ljefu

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

*= a}+sxn] Ps csf{df lgIf]k vftf vf]Ng] ;DaGwdfM

o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@!)^& df b]xfosf] Joj:yf yk ul/Psf] 5 .

-s_ o; a}+saf6 s ju{sf] Ohfhtkqk|fKt ;+:yfn] o; a}+saf6 Ohfhtkqk|fKt cGo s'g} klg a}+s jf ljQLo
;+:yf jf s'g} klg k|sf/sf] lgIf]k ;DaGwL sf/f]jf/ ug]{ ;+:yfdf Aofh k|fKt x'g] u/L s'g} klg k|sf/sf :jb]zL
lgIf]k vftf vf]Ng kfOg] 5}g .
-v_ t/, of] Joj:yfn] b]xfo adf]lhdsf /sdx? Aofh cfh{g x'g] u/L /fVg /f]s nufPsf] dflgg] 5}g .
sd{rf/L cjsfz sf]if jfktsf] /sd,
z'? ;fj{hlgs lgZsf;g, k'gM ;fj{hlgs lgZsf;g / xsk|b z]o/ lgZsf;gaf6 ;+sng ePsf] /sd
hDdf u/L Jofh cfh{g x'g] c:yfoL k|s[ltsf lgIf]k vftf,
ljb]zL d'b|fsf] vftf,
-u_ pko'{Qm a'Fbf g+= -v_ afx]ssf Jofh cfh{g x'g] u/L o;k"j{ vf]lnPsf vftfsf] xsdf b]xfo adf]lhd ug'{ kg]{5.
Demand Deposit k|s[ltsf vftfx? @)^& c;f]h d;fGtleqdf aGb ug]{ .
d'2lt lgIf]k vftfx? ;f] sf] e'QmfgL cjlw -Maturity Period_ ;dfKt eP kZrft gjLs/0f gug]{ .
(= cGt/a}+s ;fk6Lsf ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@!)^& df b]xfosf] Joj:yf yk ul/Psf] 5 .

cGt/a}+s ;fk6Lsf] cjlw a9Ldf & lbg;Dd dfq x'g]5 . ;+rfns ;ldltaf6 :jLs[lt u/fO{ a9Ldf #) lbg;Ddsf]
nflu o:tf] sf/f]af/ ug{ ;lsg] 5 .
!)= If]qut shf{ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
#)^& sf] a'Fbf g+= !! sf] pk a'Fbf g+= @ kl5 b]xfosf] Joj:yf yk ul/Psf] 5 .

Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf -s'g} Ps cfly{s If]qdf dfq shf{ k|jfx ug{ :jLs[lt kfPsf ljQLo ;+:yf
jfx]s_ n] s'g} Ps If]qdf cfkm\gf] s'n afFsL shf{ ;fk6sf] a9Ldf $) k|ltzt;Dd shf{ k|jfx ug{ kfOg] Joj:yf
ul/Psf] 5 . o;k"j{ $) k|ltzteGbf sd ;Ldf tf]lsPsf If]qxdf eg] ;f]xL adf]lhd x'g]5 .
-gf]6M If]qut shf{ ;DaGwL ljj/0f g]=/f=a}+s lgb]{zg kmf=g+= # sf] 9fFrfdf ;DalGwt ;'kl/j]If0f ljefudf dfl;s ?kdf dlxgf ;dfKt
ePsf] ldltn] !% lblgleqdf k]z ug'{ kg]{5 ._
!!= ;+:yfks z]o/ lwtf] shf{ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
!))^& sf] a'Fbf g+= ( sf] pka'Fbf g+= -s_ kl5 b]xfosf] Joj:yf yk ul/Psf] 5 .
-s_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfsf] ! k|ltzt eGbf a9L ;+:yfks z]o/ wf/0f u/]sf ;+:yfks;+:yfks

Circular 2067_68 Final

g]kfn /fi^ a}+s

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

a}+s tyf ljQLo ;+:yf lgodg ljefu

;d"xsf z]o/wgLxn] cfkm"n] wf/0f u/]sf] ;+:yfks z]o/dWo] %) k|ltzt eGbf a9L z]o/ lwtf] /fvL shf{
lng kfpg] 5}gg\ . o;k"j{ ;f] ;LdfeGbf a9L z]o/ lwtf] /fvL shf{ pkof]u ul//x]sfsf] xsdf pQm shf{sf]
e'QmfgL ldlt jf @)^* cfiff9d;fGtdWo] h'g klxn] x'G5, ;f] ;doleq tf]lsPsf] ;Ldfdf NofO;Sg'' kg]{5 .
-v_ O=k|f= lgb]{zg g+= !))^& sf] a'Fbf g+= ( sf] pka'Fbf g+= -v_ nfO{ b]xfo adf]lhd ;+zf]wg ul/Psf] 5 .

;+:yfks z]o/sf] lwtf]df shf{ k|jfx ug]{ k|of]hgsf nflu ;'/If0f afkt /flvg] z]o/sf] d"Nofg ubf{ ;fwf/0f
z]o/sf] +kl5Nnf] !*) sfo{ lbgsf] cf};t d"Nosf] a9Ldf %) k|ltzt d"No jf ;+:yfks z]o/sf] clGtd
sf/f]jf/sf] d"NodWo] h'g sd x'G5 ;f] sf] cfwf/df d"No sfod ug'{kg]{5 . o;/L sfod ul/Psf] d"Nosf]
a9Ldf ^) k|ltzt /sd;Dd dfq shf{ lbg ;lsg] 5 . Psk6s k|jfx ul/;s]sf] o:tf] shf{sf] ;'/If0fdf
/x]sf] z]o/sf] k'g/d"Nofg u/L ;f] sf] cfwf/df yk shf{ ;Ldf sfod ug{ jf yk shf{ k|bfg ug{ kfOg] 5}g.
t/, jhf/ d"No sd eO{ shf{ c;'/lIft ePsf] cj:yfdf yk ;'/If0fsf] Joj:yf ug'{ kg]{5 . o;k"j{ ;f]
;LdfeGbf a9L z]o/ lwtf] /fvL shf{ pkof]u ul//x]sfsf] xsdf pQm shf{sf] e'QmfgL ldlt jf @)^*
cfiff9d;fGtdWo] h'g klxn] x'G5, ;f] ;doleq tf]lsPsf] ;Ldfdf NofO;Sg'' kg]{5 .
!@= z]o/ lwtf] shf{ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@)^& sf] a'Fbf g+= !^ sf] pk a'Fbf g+= s -!_ nfO{ b]xfo adf]lhd kl/dfh{g ul/Psf] 5 .

o;/L k|jfx x'g] shf{sf] xsdf ;'/If0f afkt /flvg] z]o/sf] d"Nofg ubf{ kl5Nnf] !*) sfo{ lbgsf] cf};t d"Nosf]
cfwf/df a9Ldf ^) k|ltzt jf z]o/sf] k|rlnt ahf/ d"Nosf] ^) k|ltztdWo] h'g sd x'G5 ;f] /sd;Dd dfq
shf{ lbg ;lsg] 5 . Psk6s k|jfx ul/;s]sf] o:tf] shf{sf] ;'/If0fdf /x]sf] z]o/sf] k'g/d"Nofg u/L ;f]sf]
cfwf/df yk shf{ ;Ldf sfod ug{ jf yk shf{ k|bfg ug{ kfOg] 5}g .
!#= l6=cf/=shf{ -Trust Receipt Loan_ ;DaGwdfM
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@)^& sf] a'Fbf g+= @) nfO{ b]xfo adf]lhd kl/dfh{g ul/Psf] 5 .

6i6 l/l;K6 shf{ -TR Loan_ jf To:t} k|s[ltsf cfoft shf{ k|bfg ubf{ clwstd !@) lbg;Ddsf] cjlwsf] nflu
dfq k|jfx ug{ kfOg]] 5 .
!$= zfvfsfof{no vf]Ng] ;DaGwdfM
-s_ o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
!$)^& sf] a'Fbf g+= ! sf] pka'Fbf g+= -v_ -P_ df b]xfosf] Joj:yf yk ul/Psf] 5 .

t/, o; a}+saf6 Ohfhtkqk|fKt u ju{sf ljQLo ;+:yfx?n] zfvf lj:tf/ ubf{ b'O{j6f ;Dddfq a}+s tyf
ljQLo ;+:yf jf ltgsf zfvf ePsf sf7df08f}+ pkTosf afx]ssf gu/kflnsf jf ufpF ljsf; ;ldltdf
zfvf lj:tf/ u/]df To:tf] cltl/Qm r'Qmf k'FhL yk ug'{ kg]{ Joj:yfdf 5'6 lbOg]5 .
-v_ O=k|f= lgb]{zg g+= !$)^& sf] a'Fbf g+= ! sf] pka'Fbf g+= -r_ kl5 b]xfosf] Joj:yf yk ul/Psf] 5 .

Circular 2067_68 Final

g]kfn /fi^ a}+s

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

a}+s tyf ljQLo ;+:yf lgodg ljefu

1. Ohfhtkqk|fKt s, v / u ju{sf a}+s tyf ljQLo ;+:yf tyf ;j{;fwf/0fsf] lgIf]k ;+sng
ug]{ :jLs[lt k|fKt 3 ju{sf ;+:yfn] a}+ls sf/f]af/sf] nflu zfvf lj:tf/ ug{ o; a}+ssf] k"j{
:jLs[lt lng' kg]{5 .

2. o;/L :jLs[lt k|bfg ubf{ k|:tfljt If]qsf] Joj;flos sf/f]jf/, a}+ls ;]jfsf] kx'Fr tyf pQm a}+s jf
ljQLo ;+:yfaf6 s[lif, phf{, ko{6g / n3' pBdsf] If]qdf shf{ k|jfxdf x'g ;Sg] j[l4sf] l:ylt
emNsg] u/L k]z ul/Psf] ;DefJotf cWoog k|ltj]bg ;d]tnfO{ cfwf/ agfOg]5 . zfvf :yfkgfsf]
nflu k]z ul/g] ;DefJotf cWoog k|ltj]bgdf k|:tfljt zfvf :yfkgfsf nflu x'g] k"FhLut tyf
cGo vr{x?, tLg jif{leqdf ;f]xL ;+:yfsf] cGt/zfvf Jofh cfDbfgL afx]ssf a}+ls sf/f]af/af6
k|:tfljt zfvf d'gfkmfdf ;+rflnt x'g ;Sg] cfwf/ ;d]t ;dfj]z ug'{ kg]{5 . o;k"j{ zfvf sfof{no
:yfkgf ug{ @)^& c;f/ d;fGt;Dd lg0f{o u/L o; a}+sdf hfgsf/L pknAw u/fPsf ;+:yfsf] nflu
k"j{jt Joj:yf adf]lhd g} x'g]5 . cf=j=@)^&^* sf] df}lb|s gLlt ;fj{hlgs x'g' cl3 lg0f{o eO{
o; a}+snfO{ hfgsf/L pknAw u/fO;s]sf ;+:yfsf] xsdf cfjZos cWoog u/L zfvf vf]Ng
:jLs[lt k|bfg ul/g] 5 .
3. s ju{ / /fli6o:t/sf v ju{sf Ohfhtkqk|fKt ;++:yfx?n] g]kfn ;/sf/n] tf]s]sf @@ b'u{d
lhNnf -;f]n'v'Da', dgf, d':tf+u, ?s'd, 8f]Nkf, d'u', x'Dnf, h'Dnf, sflnsf]6, hfh/sf]6, afh'/f,
aemf+u, bfr'{nf, tfKn]h', ;+v'jf;ef, bf]nvf, /;'jf, uf]/vf, /f]Nkf, c5fd, l;Gw'kfNrf]s, wflb_ sf
;b/d'sfddf zfvf vf]n]df ;+rfng vr{ k|of]hgsf nflu ?= %) nfv;Dd / ;b/d'sfdeGbf aflx/
zfvf vf]n]df = ! s/f]8;Dd o; a}+saf6 z"Go Aofhb/df shf{ ;'lawf pknJw u/fOg] 5 .
-u_ O=k|f= lgb]{zg g+= !$)^& sf] a'Fbf g+= ! sf] pka'Fbf g+= -s_ sf] -pm_ / pka'Fbf g+= -v_ sf] -pm_ df ePsf]
ljBdfg Joj:yfnfO{ b]xfo adf]lhd ;+zf]wg ul/Psf] 5 .

zfvf sfof{no :yfkgf;+rfng ug]{ ;DaGwL lg0f{o ;DalGwt ;+:yfsf] ;~rfns ;ldltaf6 ug'{ kg]{ .
;~rfns ;ldltn] lg0f{o u/]sf] ldltn] !% lbgleq o; a}+s ;dIf ;+nUg cg';"rL !$=! adf]lhdsf] 9fFrfsf]
kmf/d e/L :jLs[ltsf] nflu cfj]bg lbg' kg]{ . o; a}+saf6 :jLs[lt kfPsf] ldltn] 5 dlxgfleqdf zfvf
sfof{no vf]nL sf/f]af/ ;~rfng ul/ ;Sg' kg]{ .
-3_ O=k|f= lgb]{zg g+= !$)^& sf] a'Fbf g+= !) df ePsf] ljBdfg Joj:yfnfO{ vf/]h ul/Psf] 5 .
-_ O=k|f= lgb]{zg g+= !$)^& sf] a'Fbf g+= ! sf] pka'Fbf g+= -_ kl5 b]xfosf] Joj:yf yk ul/Psf] 5 .

o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfxsf] pkl:ylt Go"g /x]sf tf]lsPsf #) lhNnfx kfFry/, tfKn]h', t]x|y'd, ;+v'jf;ef, ef]hk'/, vf]6f, cf]vn9+'uf, bf]nvf, /fd]5fk, /;'jf, l;Gw'kfNrf]s,
dgf, c3f{vfFrL, d':tf, /f]Nkf, ?s'd, ;Nofg, Ko'7fg, h'Dnf, d'u', x'Dnf, sfnLsf]6, 8f]Nkf, b}n]v, hfh/sf]6,
aemf, 8f]6L, afh'/f, bfr'{nf / a}t8L_ df sDtLdf Ps zfvf / sf7df08f} pkTosf aflx/ cGoq Ps zfvf
u/L b'O{ j6f zfvf vf]nL ;+rfngdf NofP kZrft dfq sf7df8f}+ pkTosfleq Ps zfvf vf]Ng kfOg] 5 .
gf]6M k"j{ Joj:yf cg';f/ @)^& c;f/ d;fGt;Dddf ;+rfns ;ldltn] lg0f{o u/L ^ dlxgfleq sf7df08f}
pkTosf jflx/ vf]lnPsf zfvf sfof{nox?nfO{ o; k|of]hgsf] nflu u0fgf ug{ kfOg] 5}g .

Circular 2067_68 Final

g]kfn /fi^ a}+s

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

a}+s tyf ljQLo ;+:yf lgodg ljefu

o; k|of]hgsf nflu g]kfn ;/sf/n] tf]s]sf @@ b'u{d lhNnfx?dWo]sf] uf]/vf / wflb lhNnfnfO{ ;d]t
;dfj]z ul/Psf] 5 .
t/, pko'{Qm Joj:yfn] b]xfo adf]lhdsf :yfgdf zfvf lj:tf/ ug{ jfwf k'/\ofPsf] dflgg] 5}g .

/fli6o:t/sf ;+:yfx? afx]ssf Ohfhtkqk|fKt ;+:yfx?sf] xsdf cfkm\gf] :jLs[t sfo{If]qleq zfvf
sfof{no :yfkgf ug{ .
s ju{sf Ohfhtk|qk|fKt ;++:yfsf] ?kdf :yflkt gofF a}+ssf] sf7df08f}+ pkTosfleq s]Gb|Lo
sfof{noskf]{/]6 sfof{no / Pp6f zfvf sfof{no :yfkgf ug{ .
cfoft lgof{t Jofkf/sf nflu k|d'v eG;f/ gfsf dflgPsf sfFs8lef, lj/f6gu/, jL/u+h, e}/xjf,
g]kfnu+h / wgu9Ldf PsPsj6f zfvf sfof{no :yfkgf ug{ .
-r_ O=k|f= lgb]{zg g+= !$)^& a'Fbf g+= & kl5 b]xfosf zt{x?sf] clwgdf /xL ;Lldt a}+ls OsfO{ -Limited
Banking Outlets_ dfkm{t sf/f]af/ ug{ ;Sg] Joj:yf ul/Psf] 5 .

Ohfhtkqk|fKt s ju{sf a}+s / /fli6o:t/sf v ju{sf ljsf; a}+sx?n] ;Lldt a}+ls OsfO{ -Limited
Banking Outlets_ sf] ?kdf sfof{no -lgoldt ?kdf sd{rf/L v6fO{ jf tf]lsPsf] lbgdf sd{rf/L v6fO{ ;]jf
k|bfg ug{]_ :yfkgf u/L b]xfosf] gLltut Joj:yf tyf zt{x?sf] clwgdf /xL a}+ls ;]jfsf] kFx'r gk'u]sf sf7df08f}+ pkTosf, b]zsf cGo pkdxfgu/kflnsfgu/kflnsf afx]ssf_ If]qx?df ;Lldt a}+ls OsfO{
dfkm{t a}+ls+u ;]jf k|bfg ug{] :jLs[lt k|bfg ug{ ;lsg] 5 .
gLltut Joj:yf tyf zt{x?M
;Lldt a}+ls ;]jf pknAw u/fpg] ;DaGwL lg0f{o ;DalGwt ;+:yfsf] ;+rfns ;ldltaf6 ePsf] x'g' kg]{5.
;Lldt a}+ls OsfO{ dfkm{t ;]jf k|bfg ug{ rfxg] ;+:yfn] sf/f]af/ /sdsf] ;Ldf cfkm}+ lgwf{/0f ug{
;Sg] 5g\.
;DalGwt ;+:yfn] of] ;]jf ;+rfng ubf{ cfOkg]{ ;'/Iff k|0ffnL nufotsf ;Dk"0f{ hf]lvd klxrfg /
Joj:yfkg cfkm}+n] ug{' kg]{5 .
;Lldt a}+ls ;]jf pknAw u/fOg] :yfgdf kof{Kt ;'/Iffsf] Joj:yf ug'{ kg]{5 .
;Lldt a}+ls OsfO{ ;]jfdf ;+nUg x'g] gub, dfu{:y gub -Cash in Transit_, ;jf/L ;fwg, sd{rf/L tyf
cGo ;DklQsf] aLdf u/]sf] x'g' kg]{5 .
;Lldt a}+ls OsfO{ dfkm{t ;]jf pknAw u/fP afkt ljBdfg k|rlnt ;]jf z'Ns afx]s cGo s'g}klg
;]jfz'Ns ;]jfu|fxL;+u lng kfOg] 5}g . sf/f]af/sf] ljj/0f / k|efj u|fxssf] vftfdf tTsfn emNsg]
Joj:yf ug'{ kg]{5 .
;Lldt a}+ls OsfO{sf] dfWodaf6 g]kfnL ?k}+ofdf dfq lgIf]k tyf e'QmfgL ;]jf k|bfg ug'{ kg]{5 /
cGt/f{li6o:t/df sf/f]jf/ -Cross Border Transaction_ ug{ / e'QmfgL ;]jfdf j}b]lzs d'b|fsf] k|of]u ug{
kfOg] 5}g .
;+:yfn] u|fxsnfO{ lgIf]k, e'QmfgL tyf shf{ ;DaGwL sf/f]af/ / cfGtl/s /]ld6\ofG; ;]jf pknAw u/fpg]
afx]ssf cGo ;]jf ;'ljwf k|bfg ug{ kfOg] 5}g .
;+:yfsf] Network / Database k"0f{ ;'/lIft x'g' kg]{5 . k|fljlws Joj:yfkgdf s'g} ;d:of cfO{ lgIf]k tyf
Circular 2067_68 Final

g]kfn /fi^ a}+s

a}+s tyf ljQLo ;+:yf lgodg ljefu

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

e'QmfgL sf/f]af/ k|efljt eO{ Database Iflt ePdf ;f] Ifltsf] k"0f{ hjfkmb]lxtf ;DalGwt ;+:yfsf] g}
x'g]5.
sf/f]jf/ ;DkGg eP kZrft ;DalGwt glhssf] zfvf jf Parent zfvf jf s]Gb|Lo sfof{nodf Software
Data Transfer clgjfo{ u/L s]Gb|Lo ;"rgf k|0ffnLdf tTsfn k|jfx / ;"rgf ljlgdo ug{] Joj:yf Pj+
pko'Qm Backup sf] ;d]t Joj:yf u/]sf] x'g' kg]{5 .
o:tf] ;'ljwf tf]lsPsf] :yfgdf sDtLdf xKtfsf] @ lbg pknAw u/fpg' kg]{5 .
;+:yfsf] cfGtl/s n]vfk/LIf0f ljefun] ;Lldt a}+ls sf/f]af/nfO{ ;'/lIft agfpg lglZrt dfkb08 agfO{
cfGtl/s n]vfk/LIf0fdf ;f] ;DaGwL sf/f]af/nfO{ ;d]t ;d]6\g' kg]{5 .
sf/f]af/ ubf{ u|fxs klxrfg nufot ;DklQ z'l4s/0f ;DaGwL lgb]{zgsf] k"0f{ kl/kfngf u/]sf] x'g' kg]{5 .
dfly pNn]lvt zt{x?, cGo k|rlnt sfg'g / o; a}+ssf] lgb]{zgsf] clwgdf /xL o; a}+ssf] k"j{:jLs[lt
lnP/ dfq ;Lldt a}+ls ;]jf pknAw u/fpg ;lsg] 5 .
!%= n3' shf{ 8]:s :yfkgf ug{] ;DaGwdf M
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg g+=
@!)^& df b]xfosf] Joj:yf yk ul/Psf] 5 .

Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] n3', ;fgf / demf}nf pBf]udf shf{ k|jfx tyf kx'Fr j[l4sf nflu
shf{ ljefu cGtu{t Pp6f 5'} 8]:s :yfkgf ug{' kg]{5 .
!^= ljkGg ju{ shf{ -Deprived Sector Lending_ ;DaGwdfM
-s_ o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?nfO{ hf/L PsLs[t lgb]{zg, @)^& sf] O=k|f= lgb]{zg
g+= !&)^& sf] a'Fbf g+= ! sf] klxnf] cg'R5]bnfO{ b]xfo adf]lhd kl/dfh{g ul/Psf] 5 .

s ju{sf Ohfhtkqk|fKt ;+:yfn] cfgf] s'n afFsL shf{ ;fk6 -ljN; vl/b tyf l8:sfp06 ;d]t_ sf]
Go"gtd # k|ltzt, v ju{sf Ohfhtkqk|fKt ;+:yfn] cfgf] s'n afFsL shf{ ;fk6 -ljN; vl/b tyf
l8:sfp06 ;d]t_ sf] @=% k|ltzt / u ju{sf Ohfhtkqk|fKt ljQLo ;+:yfx?n] s"n afFsL shf{ tyf
;fk6 -ljN; vl/b tyf l8:sfp06 ;d]t_ sf] @ k|ltzt ljkGg ju{df shf{ k|jfx ug'{ kg]{5 . v /
u ju{sf ljQLo ;+:yfx?n] @)^& cfiff9d;fGtsf] s'n afFsL shf{ tyf ;fk6 -ljN; vl/b tyf
l8:sfp06 ;d]t_ sf] cfwf/df @)^& kf}ifd;fGt;Dddf tf]lsPsf] b/ cg';f/sf] shf{ k|jfx ug'{ kg]{5 .
-v_ O=k|f= lgb]{zg g+= !&)^& sf] a'Fbf g+= !$ kl5 b]xfosf] Joj:yf yk ul/Psf] 5 .

ljkGg ju{df k|jfx ug]{ u/L k|fKt ;fk6L /sdnfO{ nlIft ju{df k|jfx gu/L ;f] afktsf] /sd Jofh
cfh{g x'g] u/L s'g} klg a}+s tyf ljQLo ;+:yfdf hDdf ug{ kfOg] 5}g . t/ o; Joj:yfn] 3 ju{sf
Ohfhtkqk|fKt ;+:yfsf] xsdf shf{ ;Ldf -Line of Credit_ pkof]u ug{ jfwf k'/\ofPsf] dflgg] 5}g .
a}+s tyf ljQLo ;+:yfx?n] ljkGg ju{ shf{df u0fgf ug]{ k|of]hgsf nflu pknAw u/fPsf] yf]s shf{
k|fKt ug]{ ;+:yfaf6 k|To]s ^^ dlxgfdf shf{sf] k|of]u ljkGg ju{df g} ePgePsf] ;DaGwdf k|ult
ljj/0f lng' kg]{ tyf o; a}+ssf] lg/LIf0fsf] qmddf To;/L pknJw u/fOPsf] yf]s shf{ nlIft ju{df
k|jfx ePsf] gkfO{Pdf ;f] shf{ a/fa/sf] /sd ljkGg ju{df u0fgf ul/g] 5}g .
Circular 2067_68 Final

g]kfn /fi^ a}+s

a}+s tyf ljQLo ;+:yf lgodg ljefu

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

-u_ dfly plNnlvt v08 -v_ adf]lhdsf] yf]s shf{ k|jfx ug]{ ;+:yfn] p2]Zo adf]lhd ;Dk"0f{ yf]s shf{
/sd k|jfx u/]gu/]sf] ljj/0f lnO{ ;f] sf] k|dfl0fs/0f u/L k|To]s cfly{s jif{sf] df3 / ;fpg
d;fGtdf ;DjlGwt ;'kl/j]If0f ljefunfO{ hfgsf/L lbg' kg]{5 .
-3_ O=k|f= lgb]{zg g+= !&)^& sf] a'Fbf g+= # -5_ kl5 b]xfosf] Joj:yf yk ul/Psf] 5 .
dlxnfx?f/f ;+rflnt n3' pBdnfO{ a}+s tyf ljQLo ;+:yfaf6 k|jfx ePsf] ?= # nfv;Ddsf] shf{.
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{ .
dfWolds tyf pRr dfWolds 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{ .
;fd'bflos pkef]Qmf ;ldlt jf lghL If]qn] %)) lsnf]jf6 Ifdtf;Ddsf] hnljB't cfof]hgfsf] s'n

nfutsf] sDtLdf %) 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 ;fk6 .
-_

O=k|f= lgb]{zg g+= !&)^& sf] a'Fbf g+= $ kl5 b]xfosf] Joj:yf yk ul/Psf] 5 .

-!_ ljut b'O{ jif{b]lv ljkGg ju{ shf{ pkef]u u/L c;n ju{df k/]sf k|lt ;d"x ;b:oJolQmnfO{
;fd"lxsJolQmut hdfgtdf k|jfx ug'{ kg]{ shf{sf] ljBdfg ;Ldf ?= ^) xhf/sf] ;f ?= ()
xhf/ ul/Psf] 5 . o;}u/L n3' pBd shf{sf] ?= ! nfv %) xhf/sf] ;Ldfsf] ;f ?= @ nfv sfod
ul/Psf] 5 . t/, pQm dfkb08 k"/f gu/]sfsf] xsdf ljkGg ju{ shf{ ;Ldf k"j{ Joj:yf adf]lhd ?=
^) xhf/ / ?= ! nfv %) xhf/ g} x'g]5 .
-@_ n3'ljQ ;DaGwL sf/f]af/ ug]{ ljQLo ;+:yfsf] xsdf ;d]t nfu" x'g] u/L ?= @ nfv;Ddsf] shf{
k|jfx ubf{ ljkGg ju{df hfg] s'n shf{ ;fk6sf] ljBdfg @% k|ltztsf] ;Ldfsf] ;f Ps ltxfO{
eGbf a9L x'g gx'g] Joj:yf sfod ul/Psf] 5 .
-#_ pko'{Qm b'j} Joj:yf O=k|f= lgb]{zg g+= #)^& sf] a'Fbf g+= !-@_ sf] xsdf ;d]t nfu" x'g]5 .
-r_ O=k|f= lgb]{zg g+= !&)^& sf] a'Fbf g+= # -5_ nfO{ b]xfo adf]lhd kl/dfh{g ul/Psf] 5 .

ljkGg ju{ shf{ k|fKt ug{ of]Uo JolQm;d'bfon] Psn jf ;fd'lxs?kdf un}+rfsf] nflu cfjZos kg]{
pmg pTkfbg ug]{ k|of]hgfy{ e]8fkfng ug{ jf un+}rf a'Gg] tfg /fVgsf nflu a}+s tyf ljQLo
;+:yfx?jf6 :jLsf/of]Uo lwtf] lnO{ k|lt kl/jf/ ?=! nfv %) xhf/df ga9\g] u/L -ljut b'O{ jif{b]lv
ljkGg ju{ shf{ pkef]u u/L c;n ju{df k/]sfsf] nflu ?= @ nfv x'g]_ k|jfx ePsf] shf{ .
To;}u/L, ljkGg ju{ shf{ k|fKt ug{ of]Uo ;LdfGtLs[t ;d'bfo tyf ;fgf ls;fg jf ls;fg ;d'bfon]
dnvfb tyf jLpljhg vl/b, ;fd"lxs?kdf pTkfbg e08f/0fsf] nflu zLt e08f/ -Cold Storage_
lgdf{0f, pTkfbgsf] jhf/Ls/0f, ;fgf l;+rfO{ s'nf], :ofnf] 6\o'jj]n h8fgh:tf p2]Zosf nflu klg a}+s
tyf ljQLo ;+:yfx?af6 :jLsf/of]Uo lwtf] lnO{ k|lt kl/jf/ ?=! nfv %) xhf/df ga9\g] u/L k|jfx
Circular 2067_68 Final

g]kfn /fi^ a}+s

s]Gb|Lo sfof{no
afn'jf^f/, sf&df*f}+
kmf]g M 4411407
km\ofS; M 4414552
E-mail : <nrbbfirdppd@nrb.org.np>
Web Site : www.nrb.org.np
^]lnu|fd M /fjf
^]n]S; M 2207 /fjf PgkL
kf]i^ aS; M 73

a}+s tyf ljQLo ;+:yf lgodg ljefu

ul/Psf] shf{ . ;fy}, kz'kfng, dT:okfng, df}/Lkfng h:tf Joj;fosf] nflu k|lt kl/jf/ ?= @ nfv
%) xhf/ k}ofF;Ddsf] shf{ .
-5_ O=k|f= lgb]{zg g+= !& )^& sf] a'Fbf g+= & nfO{ b]xfo adf]lhd kl/dfh{g ul/Psf] 5 .

ljkGg ju{df k|jfx ul/Psf] shf{ u0fgf ubf{ ^ dlxgf cl3sf] s"n afFsL shf{ ;fk6 -laN; vl/b tyf
l8:sfp06 ;lxt_ sf] cfwf/df k|To]s qodf;df cyf{t cflZjg, kf}if, r}q / cfiff9d;fGtdf ul/g] 5 .
-h_ O=k|f= lgb]{zg g+= !&)^& sf] cGTodf b]xfosf] :ki6Ls/0f yk ul/Psf] 5 .

tf]lsPsf] ljkGg ju{ shf{ ;Ldf ;DaGwdf o; lgb]{zgdf h'g;'s} Joj:yf ePtf klg Ohfhtkqk|fKt
3 ju{sf n3'ljQ ;+:yfx?n] n3' shf{sf] nflu tf]lsPsf] -JolQmutk|ltpBd_ ;Ldf;Dd dfq shf{
k|jfx ug{ ;Sg] 5g\ .
!&= lgIf]k ;'/If0f u/fpg] ;DaGwdfM

o; a}+saf6 Ohfhtkqk|fKt 3 ju{sf n3'ljQ ;+:yfx?n] cfkm\gf] ;+:yfdf k|fs[lts JolQmsf gfddf art
tyf d'2lt vftfdf /x]sf] ? @ nfv;Ddsf] lgIf]k ;'/If0f ug{ lgIf]k tyf shf{ ;'/If0f lgud;+u ;'/If0f
ug]{u/fpg] Joj:yf ug'{ kg]{5 .
!*= n3' ljQ;xsf/Lu}/ ;/sf/L ;+:yfsf] ;'kl/j]If0f ;DjGWfdfM

o; a}+sjf6 Ohfhtkqk|fKt 3 ju{sf n3'ljQ ;+:yfx?, ;Lldt a}ls sf/f]jf/ ug]{ ;xsf/L ;+:yfx?, ljQLo
dWo:ytf ;DjGwL sfo{ ug]{ u}/ ;/sf/L ;+:yfx?sf] lg/LIf0f tyf ;'kl/j]If0f sfo{ @)^& >fj0f ! b]lv n3'
ljQ ljefun] ug]{ u/L tf]lsPsf] x'Fbf pQm ;+:yfx?n] ;DalGwt ;'kl/j]If0f ljefudf k]z ug'{ kg]{ egL tf]lsPsf
ljj/0fx? n3' ljQ ljefudf k]z ug'{ kg]{5 .

ejbLo,

af]wfy{ M

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g]kfn /fi6 a}+s, ueg{/sf] sfof{no .

g]kfn /fi6 a}+s, a}+s ;'kl/j]If0f ljefu .
g]kfn /fi6 a}+s, ljQLo ;+:yf ;'kl/j]If0f ljefu .
g]kfn /fi6 a}+s, ljb]zL ljlgdo Joj:yfkg ljefu .
g]kfn /fi6 a}+s, cg';Gwfg ljefu .
g]kfn /fi6 a}+s, n3'ljQ ljefu .
g]kfn /fi6 a}+s, /fi6 C0f Joj:yfkg ljefu .
g]kfn /fi6 a}+s, sfg'g dxfzfvf .
g]kfn /fi6 a}+s, a}+ls+u sfof{no, yfkfynL tyf lhNnf l:yt sfof{nox? .
g]kfn lwtf]kq af]8{, uf}zfnf, sf7df08f}+ .
lgIf]k tyf shf{ ;'/If0f lgud, 6+ufn, sf7df08f}+ .
g]kfn a}+s;{ ;+3, x]l/6]hKnfhf, sf7df08f}+ .
8]enkd]06 a}+s;{ P;f]l;P;g, cgfdgu/, sf7df08f}+ .
g]kfn ljQ sDkgL ;+3, jfub/jf/, ljhg]; sDKn]S;, sf7df08f}+ .
g]kfn n3'ljQ a}+s;{ ;+3, s'n]Zj/, sf7df8f}+ .

Circular 2067_68 Final

-nIdLk|kGg lg/f}nf_
lgb]{zs

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ldltM @)^== . == . ==
>Ldfg\ sfo{sf/L lgb]{zsHo",
g]kfn /fi6 a}+s,
=====================;'kl/j]If0f ljefu,
sf7df08f}+ .

ljifoM shf{sf] dfl;s ljj/0f .

dxf]bo,
To; ljefusf] k=;+= =============== ================== ldlt =============== =================df hf/L kl/kqn] u/]sf] Joj:yf cg';f/
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ljj/0f b]xfo adf]lhd /x]sf] 5 .
shf{sf] ljj/0f
qm=;+= C0fLsf]
shf{ zLif{s
shf{sf]
shf{
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===================== a}+sljQLo ;+:yfsf] tk{maf6
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gfd M
kb
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k|ltzt

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dfq k|of]udf Nofpg' kg]{5 .
ldlt

clws[t b:tvt

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Ohfhtkqk|fKt ;+:yfsf nflu

j}wflgs t/ntf cg'kft -SLR_ ;DaGwL ljj/0f
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ut]

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***

**

;/sf/L
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kqdf
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clgjfo{
df}Hbft
k|of]hgfy{
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dfu]sf
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***

s"n
j}wflgs
t/ntf

!
!&
@
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#
!(
$
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cl3Nnf] dlxgfsf] cGTodf /x]sf] :jb]zL lgIf]k bfloTj -v_
sfod ug'{ kg]{ j}wflgs t/ntf cg'kft -u_-v_ * %
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e'QmfgLsf nflu 5'6\ofO ;lsPsf] x'gfn] ATM df /x]sf] /sdnfO{ gub df}Hbftdf ;dfj]z ug{ kfOg] 5}g .
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ljz]if vftf tyf ljb]zL d'b|f vftfdf /x]sf] /sdnfO{ o; k|of]hgsf] nflu u0fgf ul/g] 5}g . ;fy}, j}wflgs t/ntfdf clgjfo{
df}Hbft /sd u0fgf ubf{ dlxgfe/sf] cf};t df}Hbft /sd ;dfj]z ug'{ kg]{5 .
***
/fli6o:t/ jfx]ssf ljQLo ;+:yfx?n] dfu]sf jvt k|fKt x'g] u/L cGo a}+s tyf ljQLo ;+:yfx?df /fv]sf] /sd, eGg] a'em\g' kb{5 .
ldltM
clws[tM
**

cg';"rL !$=!
zfvfsfof{no vf]Ng] a}+s tyf ljQLo ;+:yfn] g]kfn /fi6 a}+saf6 :jLs[ltsf] nflu k]z ug'{ kg]{ lgj]bgsf] 9fFrf
ldltM =======================
>L g]kfn /fi6 a}+s
s]Gb|Lo sfof{no
a}+s tyf ljQLo ;+:yf lgodg ljefu
afn'jf6f/, sf7df8f}+ .
laifoM zfvf sfof{no vf]Ng] :jLs[lt jf/] .
dxfzo,
To; a}+ssf] PsLs[t lgb]{zg g+= !$)^& n] tf]s]sf zt{x?sf] k"0f{ kfngf u/L b]xfo adf]lhdsf] :yfgdf zfvf sfof{noPS6]G;g sfof{no
vf]Ng] u/L o; a}+ssf] ;+rfns ;ldltsf] lg0f{o g+= ===== ldlt =================== af6 lg0f{o ePsf] x'Fbf To+xfsf] :jLs[ltsf] nflu cg'/f]w ub{5f}+ .
!= a}+sljQLo ;+:yfsf] gfd, 7]ufgf M
@= k|:tfljt zfvf :yfkgf ul/g] :yfg, lhNnfsf] gfd, 7]ufgf M
#= ;+:yfsf] ljj/0f
-s_ g]kfn /fi6 a}+saf6 Ohfhtkqk|fKt ldlt
M
-v_ ljQLo sf/f]jf/ ;~rfng u/]sf] ldlt M
-u_ ;+:yfsf] l7s cl3Nnf] qodf;sf] r'Qmf k'FhL M
-3_ ;+:yfsf] s"n shf{ /sd M
-_ kl5Nnf] cf=j= sf] clGtd n]vfk/LIfsjf6 k|dfl0ft s"n lgliqmo shf{ /sd / k|ltzt M
-r_ xfn;Dd ;+rfngdf /x]sf zfvf ;+Vof
M
-5_ gofF zfvf sfof{no vf]n]kl5 x'g] zfvf ;+Vof M
-h_ @)^$ r}q d;fGtkl5 vf]lnPsf zfvfsf] ljj/0f -qmdfg';f/_
c_ sf7df8f}+ pkTosf aflx/sf] ljj/0f M
cf_ sf7df8f}+ pkTosfleqsf] ljj/0f M
O_
tf]lsPsf #@ lhNnfxdWo]sf] ljj/0f M
p_ tf]lsPsf @@ lhNnfxdWo]sf] ljj/0f M
pm_ u ju{sf] xsdf sf7df08f} pkTosf afx]ssf @ j6feGbf sd a}+ls+u OsfO{ ePsf] :yfgdf vf]n]sf zfvfsf] ljj/0f M
$= k|:tfljt zfvfsf] nflu tf]lsPsf] / yk u/L x'g] s'n r'Qmf k'FhLsf] ljj/0f -u ju{sf] nflu_ M
%= k|:tfljt zfvfsf] nflu sf7df8f}+ pkTosf aflx/ vf]lnPsf zfvfsf] ljj/0f M s_ tf]lsPsf #@ lhNnfxleq M
v_ tf]lsPsf #@ lhNnfx afx]s cGoq M
^= zfvf sfof{nos]Gb|Lo sfof{no;Fu ;"rgf cfbfg k|bfgsf] nflu Joj:yf ul/Psf] ;"rgf k|ljlw (Networking) sf] ljj/0fM
&= ;j{;fwf/0f z]o/ hf/L u/]sf] ldlt M
*= q}dfl;s k'FhLsf]ifsf] k|ltzt M
qodf;
k|fylds k'FhL k|ltzt
k'FhLsf]if k|ltzt
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@)^== r}q
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-s_ k"/f x'g' kg]{ r'Qmf k'FhL
M
-v_ xfn sfod /x]sf] r'Qmf k'FhL
M
!)= ;+:yfsf] sfo{If]qsf] ljj/0f
M
!!= zfvf sfof{no vf]Ng] lg0f{odf ;+nUg /x]sf kbflwsf/Lx?sf] ljj/0f,
-s_ ;+rfns ;ldltsf kbflwsf/Lx?
M
-v_ k|d'v sfo{sf/L clws[tsDkgL ;lrj
M
gf]6M ;+efJotf cWoog k|ltj]bgdf lgb]{zgdf pNn]lvt ljifox? clgjfo{?kdf pNn]v ug'{ kg]{ .
;fy}, o; a}sn] zfvf sfof{no ;+rfng ug]{ ldltdf ;d]t dfly plNnlvt ;Dk"0f{ zt{ tyf Joj:yfx? kfngf ug]{5f} . dfly plNnlvt ljj/0fx? l7s
;fFrf] xf], s'g} ljj/0fdf km/s k/]df k|rlnt sfg'g tyf To; a}+ssf] PsLs[t lgb]{zg g+= !$)^& df tf]lsP adf]lhdsf] ;hfosf/jfxL ePdf d~h'/L
ePsf] Joxf]/f cjut u/fpFb5f}+ .
ejbLo -k|d'vsfo{sf/L clws[t_