Monetary Policy - Full Text PDF

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

s]Gb|Lo sfof{no
afn'jf6f/, sf7df8f}+
;fpg @)&&
ueg{/ >L dxf k|;fb clwsf/Ln]
@)&& ;fpg @ ut]
;fj{hlgs ug'{ePsf]
cfly{s jif{ @)&&÷&* sf]

df}lb|s gLlt
g]kfn /fi6« a}+s

s]Gb|Lo sfof{no
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
g]kfn
kmf]g g+= $$!)!%*
Website: www.nrb.org.np
ljifo ;"rL
k[i7e"ld .......................................................................................................... 1
cGt/f{li6«o cfly{s l:ylt...................................................................................... 2
;dli6ut cfly{s l:ylt ....................................................................................... 3
ljQLo If]q l:ylt .............................................................................................. 4
cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] ;dLIff ........................................................ 7
df}lb|s Joj:yfkg .......................................................................................................................................7
ljQLo If]q sfo{qmdsf] ;dLIff.................................................................................................................. 8
sf]le8–!( sf] ;Gbe{df ul/Psf k|d'v gLltut Joj:Yff........................................................................ 9
cfly{s jif{ @)&&÷&* sf] kl/b[Zo ........................................................................ 10
cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] :j?k ....................................................... 11
sfo{lbzf .................................................................................................................................................... 11
cfly{s tyf df}lb|s nIo ......................................................................................................................... 12
;~rfng nIo tyf pks/0f .................................................................................................................. 12
cfly{s jif{ @)&&÷&* sf] ljQLo If]q ;DaGwL Joj:yf ............................................... 13
shf{ ;DaGwL Joj:yf ............................................................................................................................... 13
cfly{s k'g?Tyfg nlIft ljz]if sfo{qmd .................................................................................................16
sf]le8–!( af6 clt k|efljt k]zf÷Joj;fo ;~rfng shf{ ............................................................... 17
shf{ e'QmfgL cjlwsf] Dofb yk, shf{ k'g/;+/rgf tyf k'g/tflnsLs/0f ......................................... 17
ljQLo If]q ;'b[9Ls/0f.............................................................................................................................. 19
lgodg tyf ;'kl/j]If0f ........................................................................................................................... 20
n3'ljQ ..................................................................................................................................................... 22
e'QmfgL k|0ffnL ................................................................................................ 23
ljb]zL ljlgdo Joj:yfkg ..................................................................................24
;+:yfut ;'zf;g, ljQLo ;fIf/tf / u|fxs ;+/If0f ..................................................... 25
cg';"rL ! df}lb|s k|If]k0f
cg';"rL @ cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] nIo tyf k|ult ljj/0f
tflnsf ;"rL
cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt
k[i7e"ld
1. cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt sf]le8–!( dxfdf/Ln] ljZje/ dfgjLo
;+s6sf ;fy} cfly{s ;+s6 pTkGg u/]sf] leGg kl/j]zdf th'{df ul/Psf] 5 . Ps
ztfJbL kl5sf] ck|Toflzt dxfdf/Laf6 ! s/f]8 #( nfv eGbf a9L dflg; ;+qmldt
ePsf 5g\ eg] % nfv (# xhf/n] Hofg u'dfPsf 5g\ . ljZj cy{tGq ;g\ !(#) sf]
bzssf] dxfdGbL kl5sf] ;j}eGbf 7"nf] ;+s'rgdf uPsf] 5 . ljZjn] Ps} k6s
:jf:Yo ;+s6 / cfly{s ;+s6 Joxf]g'{ k/]sf sf/0f ul/aL, a]/f]huf/L / cfo c;dfgtf
a9\g] cg'dfg 5 .
2. ;fdflhs Gofo ;lxtsf] bLuf] tyf pRr cfly{s j[l4 xfl;n ub}{ …;d[4 g]kfn, ;'vL
g]kfnLÚ sf] /fli6«o cfsf+Iff xfl;n ug]{ cfwf/zLnf tof/ xF'b} u/]sf] cj:yfdf sf]le8–
!( n] cgk]lIft r'gf}tL yk]sf] 5 . nuftf/ tLg jif{sf] pRr cfly{s j[l4 kl5 cfly{s
jif{ @)&^÷&& df Go"g cfly{s j[l4 /x]sf] cg'dfg 5 . d'b|f:kmLlt nlIft ;Ldfleq}
/x]sf] 5 eg] cfoft ;+s'rg ePsf sf/0f Jofkf/ 3f6f tyf rfn' vftf 3f6fdf ;'wf/
cfPsf] 5 . zf]wgfGt/ art pNn]Vo a9]sf] 5 . lgIf]k kl/rfngsf] t'ngfdf shf{
lj:tf/ sd /x]sf]] 5 .
3. ljQLo kxF'r pNn]Vo lj:tf/ ePsf] 5 . ljQLo sf/f]af/df ljB'tLo e'QmfgLsf] k|of]u
a9\b} uO/x]sf] 5 . ljQLo lj:tf/;F+u} cfw'lgs e'QmfgL k|0ffnLsf nflu k"jf{wf/
ljsf;sf] sfd cufl8 a9]sf] 5 . df]jfOn a}+lsËsf] k|of]u a9]sf sf/0f aGbfaGbLsf]
;dodf ;d]t a}l+ sË sf/f]af/ ;xh ePsf] 5 .
4. sf]le8–!( sf sf/0f ljZje/ g} >d ahf/ / ljk|]if0f cfk|jfx k|efljt x'g] cg'dfg
5 . j}b]lzs /f]huf/Ldf uPsf] >dzlQm kmls{g] qmd;Fu} To;sf] c;/ cfGtl/s >d
ahf/df klg kg]{ ePsf] 5 . k|d'v >duGtJo d'n'sx? cfly{s ;+s'rgdf uP;Fu}
ljk|]if0f cfk|jfxdf sdL cfPdf ;f] sf] c;/ a}+lsË If]qsf] ;fwg kl/rfng, jfXo If]q
;Gt'ng tyf ul/aL lgjf/0fdf kg]{ b]lvPsf] 5 .
5. sf]le8–!( dxfdf/Ln] cy{tGqdf kf/]sf] c;/ Joj:yfkg ug{ df}lb|s gLltn] d"No /
jfXo If]q :yfloTj sfod /fVb} cfly{s k'g?Tyfgdf hf]8 lbg'kg]{ cj:yf 5 . cfly{s
ultljlwnfO{ rnfodfg agfpg sf]le8–!( af6 k|efljt If]qsf] shf{ Joj:yfkg /
2 g]kfn /fi6« a}+s
kxF'rdf ;xhLs/0f ug'{kg]{ / ljQLo ;fwgnfO{ pBdzLntf ljsf;, pTkfbg clej[l4

/ /f]huf/L l;h{gf ug]]{tkm{ k|f]T;flxt ug'{kg]{ ePsf] 5 .
6. /fli6«o tyf cGt/f{li6«o cfly{s l:ylt Pjd\ kl/b[ZonfO{ Wofgdf /fvL g]kfn /fi6« a}+s
P]g, @)%* sf] Joj:yf adf]lhd cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt th'{df
ul/Psf] 5 . o;sf ;fy} g]kfn ;/sf/sf] kGw|f+} k~rjifL{o of]hgf, cfly{s jif{
@)&&÷&* sf] ah]6, ljQLo If]q ljsf; /0fgLlt / o; a}+ssf] t];|f] /0fgLlts
of]hgfnfO{ ;d]t df}lb|s gLlt th'{dfsf] cfwf/sf] ?kdf lnOPsf] 5 . ;j}
;/f]sf/jfnfx?af6 k|fKt ;'emfjnfO{ ;d]t Wofgdf /fvL of] df}b|s gLlt th'{df
ul/Psf] 5 .
cGt/f{li6«o cfly{s l:ylt
7. sf]le8–!( ;+qmd0f lgoGq0f tyf /f]syfdsf nflu ljZjJofkL ?kdf cjnDag
ul/Psf pkfox?af6 pTkfbgb]lv cfk"lt{;Ddsf >[+vnf cj?4 eO{ ljZj cy{tGq
;+s'rgdf uPsf] 5 . cGt/f{li6«o d'b|fsf]ifn] h'g @)@) df cBfjlws u/]sf] jN8{
Osf]gf]lds cfp6n's cg';f/ ;g\ @)@) df ljZj cy{tGq $=( k|ltztn] ;+s'rg x'g]
k|If]k0f u/]sf] 5 .
8. ljsl;t d'n'sx?sf] cy{tGq ;g\ @)!( df !=& k|ltztn] lj:tf/ ePsf]df ;g\
@)@) df * k|ltztn] ;+s'rg x'g] cGt/f{li6«o d'b|fsf]ifsf] k|If]k0f 5 . pbLodfg tyf
ljsf;zLn cy{tGq ;g\ @)!( df #=& k|ltztn] j[l4 ePsf]df ;g\ @)@) df #
k|ltztn] ;+s'rg x'g] k|If]k0f 5 .
9. PlzofnL cy{tGq ;g\ @)@) df !=^ k|ltztn] ;+s'rg x'g] cGt/f{li6«o d'b|fsf]ifsf]
k|If]k0f 5 . o;dWo] ef/tsf]] cy{tGq $=% k|ltztn] ;+s'rg x'g] / rLgsf] cy{tGq !
k|ltztn] lj:tf/ x'g] k|If]k0f 5 . g]kfnsf] cfly{s j[l4 eg] ! k|ltztdf ;Lldt x'g]
cGt/f{li6«o d'b|fsf]ifsf] k|If]k0f 5 .
10. sf]le8–!( sf sf/0f ;dli6ut dfudf ;+s'rg cfpg'sf ;fy} k]6«f]lnod kbfy{sf]
d"Nodf ;d]t lu/fj6 cfPsf]n] d'b|f:kmLlt s]xL Go"g /x]sf]] 5 . cGt/f{li6«o d'b|fsf]ifn]
ljsl;t cy{tGqx?df ;g\ @)!( df !=$ k|ltzt d'b|f:kmLlt /x]sf]df ;g\ @)@) df
)=# k|ltzt x'g] k|If]k0f u/]sf] 5 . pbLodfg tyf ljsf;zLn cy{tGqx?df pkef]Qmf
cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt 3
d'b|f:kmLlt ;g\ @)!( sf] %=! k|ltztsf] t'ngfdf ;g\ @)@) df $=$ k|ltzt /xg]
k|If]k0f 5 .
11. ljZj cy{tGqdf b]lvPsf r'gf}tLx? ;fdgf ug{ clwsf+z d'n'sx?n] lj:tf/sf/L
df}lb|s Pjd\ ljQ gLlt cjnDag u/]sf 5g\ . sf]le8–!( ;+s6af6 l;lh{t
clglZrttfsf jfah'b w]/} d'n'sx?n] cfly{s lqmofsnfk ;xh agfpg aGbfaGbL
nufotsf Joj:yfx? qmdzM v's'nf] agfpFb} nu]sf 5g\ .
;dli6ut cfly{s l:ylt
cfly{s j[l4 / d"No l:ylt
12. cfly{s jif{ @)&%÷&^ df & k|ltzt cfly{s j[l4 xfl;n ePsf]df cfly{s jif{
@)&^÷&& df @=@* k|ltztdf ;Lldt /x]sf] s]Gb|Lo tYofÍ ljefusf] k|f/lDes
cg'dfg 5 . s[lif If]qsf] j[l4b/ @=^ k|ltzt, pBf]u If]qsf] #=@ k|ltzt tyf ;]jf
If]qsf] j[l4b/ @ k|ltzt /x]sf] cg'dfg 5 .
13. cfly{s jif{ @)&^÷&& df s'n ufx{:Yo pTkfbg;Fusf] s'n ufx{:Yo artsf] cg'kft
!*=! k|ltzt / s'n /fli6«o artsf] cg'kft $^ k|ltzt /x]sf] cg'dfg 5 . cl3Nnf]
jif{ oL cg'kftx? qmdzM !( k|ltzt / $*=( k|ltzt /x]sf lyP .
14. cfly{s jif{ @)&^÷&& df s'n ufx{:Yo pTkfbgdf s'n l:y/ k'FhL lgdf{0fsf] cg'kft
@*=! k|ltzt / s'n k'FhL lgdf{0fsf] cg'kft %)=@ k|ltzt /x]sf] cg'dfg 5 . cl3Nnf]
jif{ oL cg'kftx? qmdzM ##=& k|ltzt / %^=^ k|ltzt /x]sf lyP .
15. @)&& h]7df jflif{s ljGb'ut pkef]Qmf d'b|f:kmLlt $=%$ k|ltzt /x]sf] 5 . cfly{s
jif{ @)&^÷&& sf] P3f/ dlxgfdf cf};t pkef]Qmf d'b|f:kmLlt ^=@* k|ltzt /x]sf]
5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] d'b|f:kmLlt $=%! k|ltzt /x]sf] lyof] .
;/sf/L vr{, /fh:j tyf cfGtl/s C0f kl/rfng
16. dxfn]vf lgoGqs sfof{noaf6 ;fj{hlgs ljj/0f cg';f/ cfly{s jif{ @)&^÷&& df
;+3Lo ;/sf/sf] rfn' vr{ ?= &*^ ca{ %# s/f]8, k'FhLut vr{ ?= !(! ca{ &&
s/f]8 / ljQLo Joj:yftkm{sf] vr{ ?= !!^ ca{ $ s/f]8 u/L hDdf ?= !)($ ca{
#$ s/f]8 vr{ ePsf] 5 . of] cjlwdf /fh:j ;+sng ?= *$! ca{ #^ s/f]8 ePsf]
5.
4 g]kfn /fi6« a}+s
17. cfly{s jif{ @)&^÷&& df g]kfn ;/sf/n] s'n cfGtl/s C0f kl/rfng ?= !($ ca{
^$ s/f]8 / ;fFjf e'QmfgL ?= #$ ca{ #( s/f]8 u/L v'b cfGtl/s C0f ?= !^) ca{
@% s/f]8 kl/rfng u/]sf] 5 . pQm /sd s'n ufx{:Yo pTkfbgsf] $=# k|ltzt x'g
cfpF5 .
j}b]lzs Aofkf/, ljk|]if0f cfk|jfx tyf zf]wgfGt/ l:ylt
18. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf lgof{t )=@ k|ltztn] a9]/ ?= ** ca{ /
cfoft !%=# k|ltztn] 36]/ ?= !!)) ca{ *! s/f]8 ePsf] 5 . o; cjlwdf Jofkf/
3f6fdf !^=$ k|ltztn] ;'wf/ cfPsf] 5 eg] ljk|]if0f cfk|jfx # k|ltztn] 36]/
?= &&$ ca{ *& s/f]8 sfod ePsf] 5 .
19. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf rfn' vftf 3f6f ?= &! ca{ ^$ s/f]8 /
zf]wgfGt/ art ?= !&( ca{ #& s/f]8 sfod ePsf]] 5 . cfly{s jif{ @)&%÷&^ sf]
;f]xL cjlwdf rfn' vftf 3f6f ?= @$( ca{ * s/f]8 / zf]wgfGt/ 3f6f ?= () ca{
*# s/f]8 /x]sf] lyof] .
20. @)&& h]7 d;fGtdf s'n ljb]zL ljlgdo ;l~rlt ?= !#)^ ca{ $^ s/f]8 -cd]l/sL
8n/ !) ca{ &( s/f]8_ k'u]sf] 5 . cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfsf]
cfoftnfO{ cfwf/ dfGbf a}+lsË If]q;Fu sfod /x]sf] ljb]zL ljlgdo ;l~rlt !#=#
dlxgfsf] j:t'' tyf !!=& dlxgfsf] j:t'' / ;]jf cfoft wfGg kof{Kt x'g] b]lvPsf] 5 .
21. @)&^ c;f/ d;fGtsf] t'ngfdf @)&& c;f/ d;fGtdf cd]l/sL 8n/;Fu g]kfnL
?k}ofF (=!% k|ltztn] cjd"Nog eO{ cd]l/sL Ps 8n/sf] vl/b b/ ?= !@)=#& k'u]sf]
5.
ljQLo If]q l:ylt
a}lsË If]q
22. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf a}s tyf ljQLo ;+:yfsf] lgIf]k kl/rfng
!#=# k|ltztn] j[l4 eO{ ?= #^^^ ca{ ^@ s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf]] ;f]xL
cjlwdf ;d]t lgIf]k kl/rfng !#=# k|ltztn] j[l4 eO{ ?= #!)% ca{ &$ s/f]8
k'u]sf] lyof] .
23. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf a}s tyf ljQLo ;+:yfsf] nufgLdf /x]sf]
shf{ !)=& k|ltztn] j[l4 eO{ ?= #!&@ ca{ (* s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf]]
;f]xL cjlwdf o:tf] shf{ !*=@ k|ltztn] a9]/ ?= @*#^ ca{ & s/f]8 k'u]sf] lyof] .
24. @)&^ r}t d;fGtdf a}+s tyf ljQLo ;+:yfsf] nufgLdf /x]sf] shf{dWo] ?= !%
nfv;Ddsf] shf{ !% k|ltzt, ?= !% nfvb]lv ?= %) nfv;Ddsf] shf{ @$=(
k|ltzt, ?= %) nfvb]lv ?= ! s/f]8;Ddsf] shf{ !)=@ k|ltzt, ?= ! s/f]8b]lv ?= %
s/f]8;Ddsf] shf{ @@=# k|ltzt / ?= % s/f]8 dflysf] shf{ @&=^ k|ltzt /x]sf] 5 .
25. @)&& h]7 d;fGtdf a}+s tyf ljQLo ;+:yf -n3'ljQ ljQLo ;+:yfx? ;d]t_ sf] r'Qmf
k'FhL] @)&^ c;f/sf] t'ngfdf *=@ k|ltztn] j[l4 eO{ ?= #$( ca{ %( s/f]]8 k'u]sf]
5 . To;}u/L, o; cjlwdf k'FhLsf]if (=* k|ltztn] a9]/ ?= %!* ca{ % s/f]8 sfod
ePsf]] 5 .
26. @)&& h]7 d;fGtdf jfl0fHo a}+sx?sf] k'FhL sf]if kof{Kttf cg'kft !#=$ k|ltzt,
ljsf; a}+sx?sf] !#=$ k|ltzt / ljQ sDkgLx?sf] !*=& k|ltzt /x]sf] 5 . @)&^
c;f/ d;fGtdf oL cg'kftx? qmdzM !$ k|ltzt, !^ k|ltzt / @)=$ k|ltzt /x]sf
lyP .
27. a}+s tyf ljQLo ;+:yfx?sf] lgliqmo shf{ cg'kft @)&^ c;f/ d;fGtdf !=%@
k|ltzt /x]sf]df @)&^ r}t d;fGtdf !=*! k|ltzt k'u]sf] 5 . @)&^ r}t d;fGtdf
jfl0fHo a}+sx?sf] lgliqmo shf{ cg'kft !=&@ k|ltzt, ljsf; a}+sx?sf] !=$*
k|ltzt / ljQ sDkgLx?sf] ^=&^ k|ltzt /x]sf] 5 .
28. a}+s tyf ljQLo ;+:yfnfO{ dh{/ tyf k|flKtdf hfg k|f]T;flxt ug{ z'? u/]kZrft\sf]
Ps bzsdf !(^ a}+s tyf ljQLo ;+:yfx? -@% jfl0fHo a}+s ;d]t_ dh{/ tyf k|flKt
k|lqmofdf ;+nUg eO{ $^ ;+:yf sfod ePsf 5g\ . o; cjlwdf % jfl0fHo a}+sx?
;d]t u/L !%) ;+:yfsf] Ohfht vf/]h ePsf] 5 . cfly{s jif{ @)&^÷&& df $
jfl0fHo a}+s ;lxt #% a}+s tyf ljQLo ;+:yf dh{/ tyf k|flKt k|lqmofdf ;+nUg eO{
@) ;+:yfsf] Ohfht vf/]h ePsf] 5 .
29. a}+s tyf ljQLo ;+:yfsf zfvf lj:tf/;Fu} ljQLo kx'Fr a9]sf] 5 . a}+s tyf ljQLo
;+:yfsf] zfvf ;+Vof @)&^ c;f/ d;fGtdf *^*^ /x]sf]df @)&& h]7 d;fGtdf
(&!^ k'u]sf] 5 . pQm cjlwdf k|lt a}+s zfvf hg;+Vof ##^# af6 36]/ #)&%
sfod ePsf] 5 .
6 g]kfn /fi6« a}+s
;Demf}tLt art kl/rfng

30. sd{rf/L ;~ro sf]ifsf] ;DklQ÷bfloTj @)&^ c;f/ d;fGtdf ?= #$@ ca{ &@
s/f]8 /x]sf]df @)&^ r}t d;fGtdf ?= #&! ca{ %* s/f]8 k'u]sf] 5 . pQm cjlwdf
;+rostf{x?sf] ;l~rt /sd &=& k|ltztn] j[l4 eO{ ?= ### ca{ &% s/f]8 k'u]sf]
5 eg] shf{ ;fk6L (=$ k|ltztn] j[l¢ eO{ ?= @%% ca{ @ s/f]8 k'u]sf] 5 .
31. gful/s nufgL sf]ifsf] ;DklQ÷bfloTj @)&^ c;f/ d;fGtdf ?= !$* ca{ (! s/f]8
/x]sf]df @)&^ r}t d;fGtdf ?= !^) ca{ %* s/f]8 k'u]sf] 5 . ;f] cjlwdf sf]if
;+sng !=& k|ltztn] j[l4 eO{ ?= !@* ca{ !@ s/f]8 k'u]sf] 5 eg] shf{ ;fk6L
!#=( k|ltztn] j[l¢ eO{ ?= $^ ca{ #! s/f]8 k'u]sf] 5 .
32. ljut s]xL jif{otf aLdf ;]jf pNn]Vo lj:tf/ x'Fb} sl/a @& k|ltzt gful/s -j}b]lzs
/f]huf/Ldf /x]sf gful/s ;d]t_ sf] aLdfdf kx'Fr k'u]sf] cg'dfg 5 . @)&^ c;f/
d;fGtdf aLdf sDkgLx?sf] s'n ;DklQ÷bfloTj ?= #$& ca{ !^ s/f]8 /x]sf]df
!&=( k|ltztn] j[l4 eO{ @)&^ r}t d;fGtdf ?= $)( ca{ !% s/f]8 k'u]sf] 5 .
k'FhL ahf/
33. @)&^ c;f/ d;fGtdf !@%( /x]sf] g]K;] ;"rsfÍ @)&& c;f/ d;fGtdf !#^@=#$
sfod ePsf]] 5 . To;}u/L, @)&^ c;f/ d;fGtdf ahf/ k'FhLs/0f ?= !%^& ca{ %)
s/f]8 /x]sf]df @)&& c;f/ d;fGtdf ?= !&(@ ca{ &^ s/f]8 /x]sf] 5 .
34. jfl0fHo a}+sx?nfO{ bL3{sfnLg C0fkq hf/L u/L ljQLo ;fwg kl/rfng ug{
k|f]T;flxt ul/Psf sf/0f lwtf]kq ahf/df pks/0fut ljljwLs/0f k|f/De ePsf] 5 .
cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf !& jfl0fHo a}+s / @ ljQ sDkgL u/L !(
;+:yfn] ?= $% ca{ @% s/f]8sf] C0fkq lgisfzg ug{ o; a}+saf6 :jLs[lt k|fKt
u/]sf 5g\ . @)&& h]7 d;fGtdf a}+s tyf ljQLo ;+:yfsf] ?= %$ ca{ @( s/f]8sf]
C0fkq bfloTj /x]sf] 5 .
;xsf/L ;+:yf
35. @)&% kmfu'g d;fGtdf ;xsf/L ;+:yfx?sf] art kl/rfng ?= #$% ca{ %* s/f]8
/x]sf]df @)&^ kmfu'g d;fGtdf ?= #%) ca{ %* s/f]8 k'u]sf] 5 . ;f] cjlwdf C0f
k|jfx ?= ##@ ca{ &! s/f]8af6 j[l4 eO{ ?= #$! ca{ &! s/f]8 sfod ePsf]
5.
cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] ;dLIff

df}lb|s Joj:yfkg
36. cfly{s jif{ @)&^÷&& df lj:t[t d'b|fk|bfosf] jflif{s j[l4b/ !* k|ltztdf ;Lldt
ug]{ nIo /flvPsf]df @)&& h]7 d;fGtdf jflif{s ljGb''ut j[l4b/ !&=% k|ltzt /x]sf]
5.
37. df}lb|s If]qaf6 k|jfx x'g] shf{dWo] cfGtl/s shf{sf] j[l4b/ @$ k|ltzt / lghL
If]qtk{msf] shf{sf] j[l4b/ @! k|ltztdf ;Lldt ug]{ k|If]k0f ul/Psf]]df @)&& h]7
d;fGtdf oL shf{sf] jflif{s ljGb'ut j[l4b/ qmdzM !^=( k|ltzt / !# k|ltzt /x]sf]
5.
38. cfly{s jif{ @)&^÷&& df ?= @!( ca{ !% s/f]8 t/ntf k|jfx ePsf] 5 . o;
cGt{ut l/kf]dfkm{t ?= !!% ca{ *& s/f]8 / :yfoL t/ntf ;'ljwfdfkm{t ?= !)# ca{
@* s/f]8 k|jfx ePsf] 5 .
39. cfly{s jif{ @)&^÷&& df ?= &* ca{ t/ntf k|zf]rg ePsf] 5 . o; cGtu{t l/e;{
l/kf]dfkm{t ?= $* ca{ / lgIf]k ;+sng af]nsjf]ndfkm{t ?= #) ca{ k|zf]rg ePsf]
5.
40. cfly{s jif{ @)&^÷&& df o; a}+sn] jfl0fHo a}+sx¿af6 cd]l/sL 8n/ $ ca{ @)
s/f]8 v'b vl/b u/L ?= $(@ ca{ @$ s/f]8 t/ntf k|jfx u/]sf] 5 . ;f]xL cjlwdf
kl/jTo{ ljb]zL d''b|f laqmL u/L ?= $$@ ca{ !# s/f]8sf] ef=?= vl/b u/]sf] 5 .
41. cfly{s jif{ @)&^÷&& df jfl0fHo a}+sx¿aLr ?= !%)! ca{ $% s/f]8 / a}+s tyf
ljQLo ;+:yfx¿ -jfl0fHo a}+sx¿aLr afx]s_ aLr ?= !@( ca{ $) s/f]8sf] cGt/a}+s
sf/f]af/ ePsf] 5 .
42. @)&& c;f/df (!–lbg] 6«]h/L ljnsf] efl/t cf};t Aofhb/ !=@& k|ltzt / jfl0fHo
a}+sx¿aLrsf] efl/t cf};t cGt/a}+s b/ )=#% k|ltzt /x]sf] 5 . @)&^ c;f/df oL
b/x? qmdzM $=(& k|ltzt / $=%@ k|ltzt /x]sf lyP .
43. jfl0fHo a}+sx?sf] cf};t cfwf/ b/ @)&^ c;f/df (=%& k|ltzt /x]sf]df @)&&
h]7df *=^^ k|ltzt sfod ePsf] 5 . To;}u/L @)&& h]7df shf{sf] efl/t cf};t
Aofhb/ !)=$# k|ltzt / lgIf]ksf] efl/t cf};t Aofhb/ ^=!& k|ltzt sfod ePsf]
8 g]kfn /fi6« a}+s
5 . @)&^ c;f/df shf{sf] efl/t cf};t Aofhb/ !@=!# k|ltzt / lgIf]ksf] efl/t
cf};t Aofhb/ ^=^) k|ltzt /x]sf lyP .
ljQLo If]q sfo{qmdsf] ;dLIff
44. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf jfl0fHo a}+sx?n] ljb]zaf6 ( s/f]8
cd]l/sL 8n/ C0f lng] :jLs[lt k|fKt u/]sf]df & s/f]8 cd]l/sL 8n/ k|fKt u/]sf
5g\ . o; cjlwdf # n3'ljQ ljQLo ;+:yfn] cd]l/sL 8n/ @ s/f]8 ^ nfv / hfkfgL
o]g ! s/f]8 !) nfv C0f lng] :jLs[lt kfPsf 5g\ . of] Joj:yf nfu" ePkZrft\ a}+s
tyf ljQLo ;+:yfn] xfn;Dd !! s/f]8 *! nfv cd]l/sL 8n/ / ! s/f]8 !) nfv
hfkfgL o]g kl/rfng u/]sf 5g\ .
45. a}+s tyf ljQLo ;+:yfx?n] ;+:yfut ljb]zL lgIf]kstf{ tyf u}/–cfjf;Lo g]kfnLaf6
Go"gtd @ jif{ cjlwsf] ljb]zL d'b|f d'2tL lgIf]k :jLsf/ ug{;Sg] Joj:yf ul/Psf]df
cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf * nfv *! xhf/ cd]l/sL 8n/ lgIf]k
kl/rfng ePsf] 5 .
46. a}+s tyf ljQLo ;+:yfn] s'n :jb]zL d'b|f lgIf]ksf] a9Ldf %) k|ltzt;Dd ;+:yfut
lgIf]k kl/rfng ug{ kfpg] Joj:yf ul/Psf]df @)&& h]7df o:tf] lgIf]ksf] cf};t
c+z $%=! k|ltzt /x]sf] 5 . a+}s tyf ljQLo ;+:yfn] cfˆgf] s'n :jb]zL lgIf]ksf]
clwstd !) k|ltzt;Dd dfq Ps ;+:yfaf6 lgIf]k kl/rfng ug{ kfpg] Joj:yf
/x]sf] 5 .
47. jfl0fHo a}+sx?n] cfˆgf] r'Qmf k'FhLsf] Go"gtd @% k|ltzt a/fa/ C0fkq hf/L ug'{kg]{
Joj:yf ul/Psf]df cfly{s jif{ @)&^÷&& df !@ jfl0fHo a}+sn] C0fkqdfkm{t ?= @^
ca{ ( s/f]8sf] ;fwg kl/rfng u/]sf 5g\ .
48. pTkfbgzLn ultljlw tyf lgof{tnfO{ k|f]T;flxt ug]{ p2]Zon] o; a}+saf6 ;x'lnot
b/df k|bfg ul/+b} cfPsf] k'g/shf{ @)&& c;f/ d;fGtdf ?= & ca{ $( s/f]8
nufgLdf /x]sf] 5 . o; cGtu{t ;fwf/0f k'g/shf{ ?= % ca{ ** s/f]8 / e'sDk
kLl8tnfO{ k|jfx ul/Psf] k'g/shf{ ?= ! ca{ ^! s/f]8 /x]sf] 5 .
49. jfl0fHo a}+sx?n] cfˆgf] s'n shf{sf] Go""gtd !) k|ltzt s[lif If]qdf k|jfx ug'{kg]{
Joj:yf /x]sf]df @)&& h]7 d;fGtdf ?= @^! ca{ !% s/f]8 cyf{t s'n shf{sf] (=&
k|ltzt k|jfx ePsf] 5 . o;}u/L phf{ tyf ko{6gdf !% k|ltzt shf{ k|jfx ug'{kg]{
Joj:yf /x]sf]df phf{df ?= !$$ ca{ !$ s/f]8 cyf{t s'n shf{sf] %=# k|ltzt /
ko{6gdf ?= !@( ca{ &) s/f]8 cyf{t s'n shf{sf] $=* k|ltzt shf{ k|jfx ePsf]
5.
50. jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLn] cfˆgf] s'n shf{ nufgLsf] Go"gtd %
k|ltzt ljkGg ju{df k|jfx ug'{kg]{ Joj:yf /x]sf]df @)&^ h]7 d;fGtdf jfl0fHo
a}+s, ljsf; j}+s / ljQ sDkgLx?sf]] ljkGg ju{df ?= !*( ca{ &! s/f]8 shf{
nufgL ePsf] 5 . of] /sd s'n shf{ nufgLsf] %=( k|ltzt x'g cfpF5 .
51. s[lif, 3/]n' tyf ;fgf pBd nufotsf Joj;fo ;~rfngdf shf{ k|jfx a9fpFb}
pTkfbg tyf /f]huf/L clej[l4 ug{] p2]Zon] ;~rflnt ;x'lnotk"0f{ shf{ sfo{qmdaf6
@)&& h]7 d;fGt;Dd @( xhf/ !%& C0fL nfeflGjt ePsf 5g\ eg] ?= %% ca{ %$
s/f]8 shf{ nufgLdf /x]sf] 5 .
52. a+}s tyf ljQLo ;+:yfsf ;]jfu|fxLsf] u'gf;f Joj:yfkg ug]{ p2]Zon] o; a}+sdf /x]sf]
u'gf;f] ;'g'jfO{ OsfO{nfO{ ljQLo u|fxs ;+/If0f OsfO{ (Financial Consumer Protection
Unit) df ?kfGt/0f ul/Psf] 5 .
53. :yfgLo txsf ;a} j8fdf ljQLo ;]jfsf] kxF'r ;'lglZrt ug]{ p2]Zon] a}+s zfvf
gePsf j8fx?df zfvf/lxt a}+lsË ;]jf k|bfg ug{ o; a}+ssf] :jLs[lt lng' gkg]{
Joj:yf sfof{Gjogdf NofOPsf] 5 . @)&^ c;f/ d;fGtdf zfvf/lxt a}+lsË s]Gb|
;+Vof !%#) /x]sf]df @)&& h]7 d;fGtdf !^#@ k'u]sf] 5 .
sf]le8–!( sf] ;Gbe{df ul/Psf k|d'v gLltut Joj:Yff
54. sf]le8—!( ;+qmd0f /f]syfd tyf lgoGq0f ug{ rflnPsf sbdaf6 cy{tGqdf k/]sf]
c;/nfO{ b[li6ut u/L t/ntf ;xh agfpg], Aofhb/df 5'6 lbg] / shf{sf] efvf ;fg]{
nufotsf Joj:yfx? cjnDag u/L sfof{Gjogdf /x]sf 5g\ M
-s_ @)&^ r}t !^ b]lv nfu" x'g] u/L clgjfo{ gub cg'kft $ k|ltztaf6 # k|ltzt
/ a}+sb/ ^ k|ltztaf6 % k|ltzt sfod ul/Psf] .
-v_ gLltut b/sf] ?kdf /x]sf] l/kf] b/ $=% k|ltztaf6 #=% k|ltzt sfod
ul/Psf] .
10 g]kfn /fi6« a}+s
-u_ tf]lsPsf If]qdf k|jflxt shf{sf] @)&^ r}tdf sfod Aofhb/df cfly{s jif{
@)&^÷&& sf] rf}yf] qodf;sf] nflu @ k|ltzt ljGb'n] C0fLnfO{ Aofh 5'6
lbg'kg]{ Joj:yf ul/Psf] . n3'ljQ ljQLo ;+:Yffsf] xsdf # k|ltzt / yf]s shf{
sf/f]af/ ug]{ n3'ljQ ljQLo ;+:yfsf] xsdf @ k|ltzt ljGb'n] Aofhb/ 5'6 lbg'
kg]{ Joj:yf ul/Psf] .
-3_ a}+s tyf ljQLo ;+:yfn] sfod ug'{kg]{ Countercyclical Buffer ;DaGwL Joj:yf
:yug ul/Psf] .
-ª_ C0fLn] @)&^ r}t, @)&& a}zfv / h]7 d;fGtdf e'Qmfg ug'{kg]{ shf{sf] ;fFjf
tyf Aofh /sd @)&& c;f/ d;fGt;Dd e'Qmfg ug{ ;lsg] Joj:yf ul/Psf] .
-r_ C0fLn]] @)&^ r}tdf e'QmfgL ug'{kg]{ shf{sf] ls:tf ;f]xL dlxgfdf e'QmfgL u/]df
Aofhdf !) k|ltzt 5'6 kfpg] Joj:yf ul/Psf] .
-5_ rfn' k'FhL k|s[ltsf cNksfnLg shf{x?sf] e'QmfgL cjlw ^) lbg;Dd yk ug{
;lsg] Joj:yf ul/Psf] .
-h_ sf]le8—!( af6 ;+qmldtsf] pkrf/df ;xof]u k'¥ofpg] p2]Zon] lghL :jf:Yo
;+:yfsf] ;]jf lj:tf/ jf :t/f]Ggltsf] nflu k|jfx x'g] shf{ k|fyldstf k|fKt If]q
shf{df u0fgf ug{] Joj:yf ul/Psf] .
-em_ j}b]lzs /f]huf/Ldf hfg cg'dlt lnPsf t/ ;+qmd0fsf sf/0f hfg gkfPsf
JolQmx?n] pBf]u Joj;fo ;+rfng ug{ shf{ dfu u/]df lgj]bg lbPsf] & sfo{
lbgleq ;x'lnotk"0f{ shf{ pknAw u/fpg] Joj:yf ul/Psf] .
-`_ aGbfaGbLsf] cjlwdf RTGS dfkm{t ul/g] sf/f]af/df z'Ns gnfUg] Joj:yf
ul/Psf] . ;fy}, df]jfOn a}+lsË, OG6/g]6 a}+lsË, jfn]6 h:tf dfWodaf6 ul/g]
e'QmfgL sf/f]af/sf] ;Ldf j[l4 ul/Psf] .
cfly{s jif{ @)&&÷&* sf] kl/b[Zo
55. ;g\ @)@! df ljZj cy{tGq k'g?Tyfg x'g] cg'dfg 5 . cGt/f{li6«o d'b|fsf]ifn] ljZj
cy{tGq ;g\ @)@! Dff %=$ k|ltztn] lj:tf/ x'g] k|If]k0f u/]sf] 5 . ;g\ @)@! Dff
ljsl;t d'n'sx?sf] d'b|f:kmLlt !=! k|ltzt / pbLodfg tyf ljsf;f]Gd'v d'n'sx?sf]
d'b|f:kmLlt $=% k|ltztdf ;Lldt x'g] k|If]k0f 5 .
56. g]kfn ;/sf/n] cfly{s jif{ @)&&÷&* sf] ah]6df & k|ltzt cfly{s j[l4sf] nIo
/fv]sf] 5 . wfg /f]kfO{sf nflu dg;'g cg's'n /x]sf], s[lif shf{ lj:tf/nfO{
k|fyldstfdf /flvPsf] / >dzlQm ylkPsf sf/0f s[lif If]q la:tf/ x'g] b]lvG5 .
o;}u/L sf]le8 !( sf] ;+qmd0f rf8f] eGbf rf8f] lgoGq0fdf cfPdf pBf]u / ;]jf If]q
;d]t lj:tf/ x'g] cg'dfg 5 .
57. a}+lsË k|0ffnLdf kof{Kt t/ntf /x]sf] / shf{sf] Aofhb/ qmdzM 36\b} cfPsf] 5 .
cfly{s k'g?TyfgnlIft shf{ sfo{qmdx?af6 yk ljQLo ;fwg kl/rfng eO{ cfly{s
ultljlw lj:tf/ x'g] b]lvPsf] 5 .
58. cfly{s lqmofsnfk lj:tf/ eP;Fu} d'b|f:kmLltdf rfk kg{;Sg] ePtfklg cfGtl/s
pTkfbg clej[l4 tyf cfk"lt{ Joj:yfsf] ;'b[9Ls/0fdfkm{t d"No :yfloTj sfod /xg]
cg'dfg 5 .
59. cfly{s lqmofsnfk lj:tf/n] ult lnP;Fu} cfoft a9\g] b]lvG5 . lgof{t tyf ljk|]if0f
cfk|jfx ut cfly{s jif{s} xf/fxf/Ldf /xg] b]lvPtfklg ;/sf/sf] j}b]lzs C0f ;xof]u
kl/rfng a9\g] cg'dfgsf cfwf/df jfXo If]q Joj:yfkg ;xh x'g] cg'dfg 5 .
cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] :j?k
sfo{lbzf
60. ;dli6ut cfly{s :yfloTj sfod /fVb} g]kfn ;/sf/sf]] cfly{s j[l4sf] nIo xfl;ndf
;xof]u k'¥ofpg df}lb|s gLltsf] hf]8 /xg] 5 .
61. ljQLo ;fwg kl/rfngnfO{ cfly{s lqmofsnfk lj:tf/, /f]huf/L l;h{gf / bLuf]
cfly{s ljsf; k|j4{g ug]{tkm{ k|f]T;flxt ul/g]5 .
62. d"No tyf afXo If]q :yfloTjdf kg{;Sg] bafanfO{ dWogh/ u/L t/ntf Joj:yfkg
ul/g]5 .
63. ljQLo If]qsf] ljsf; / :yfloTjsf nflu a}+s tyf ljQLo ;+:yfx?sf] PsLs/0f /
;'b[9Ls/0fdf hf]8 lbOg] 5 .
64. ljQLo k"jf{wf/sf] ljsf;dfkm{t ljQLo kxF'r / ;]jfsf] u'0f:t/ clej[l4 ul/g]5 .
65. e'QmfgL k|0ffnLnfO{ ;jn, ;'b[9 / ;'/lIft agfpFb} ljB'tLo e'QmfgL sf/f]af/nfO{
k|f]T;flxt ul/g]5 .
cfly{s tyf df}lb|s nIo
66. cfly{s jif{ @)&&÷&* df pkef]Qmf d'b|f:kmLlt cf};t & k|ltztleq ;Lldt x'g]u/L
df}lb|s Joj:yfkg ul/g]5 .
67. cfly{s jif{ @)&&÷&* df slDtdf & dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt
ljb]zL ljlgdo ;l~rlt sfod x'gu] /L afXo If]q Joj:yfkg ul/g]5 .
68. cfly{s k'g?TyfgnfO{ k|fyldstf lbFb}] cfly{s j[l4sf] nIo xfl;n ug{ ;xof]u k'Ug]
u/L t/ntf Joj:yfkg ul/g]5 .
69. k|rlnt d"Nosf] s'n ufx{:Yo pTkfbgnfO{ df}lb|s k|If]k0fsf] cfwf/sf] ?kdf lnFb}
cfly{s jif{ @)&&÷&* df lj:t[t d'b|f k|bfosf] lj:tf/ !* k|ltzt / lghL If]qtkm{sf]
shf{ lj:tf/ @) k|ltztdf ;Lldt ug]{ k|If]k0f /x]sf] 5 .
;~rfng nIo tyf pks/0f
70. jfl0fHo a}+sx?sf] cGt/a}+s b/ df}lb|s gLltsf] ;~rfng nIosf] ?kdf /xg] u/]sf]df
jfl0fHo a}+s, ljsf; j}+s / ljQ sDkgLx?sf] efl/t cf};t cGt/a}+s b/nfO{ df}lb|s
gLltsf] ;~rfng nIosf] ?kdf lnOg] 5 .
71. Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf ;'ljwf b/ %
k|ltztdf oyfjt\ sfod ul/g]5 . sl/8f]/sf] tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k
;+sng b/nfO{ @ k|ltztaf6 36fO{ ! k|ltzt / gLltut b/sf] ?kdf /x]sf]
l/kf]b/nfO{ #=% k|ltztaf6 36fO{ # k|ltzt sfod ul/g]5 .
72. cfly{s k'g?Tyfgsf nflu cfjZos yk t/ntf pknAw u/fpg cfjZostf cg';f/
nfdf] cjlwsf] l/kf] ;'ljwf pknAw u/fOg] 5 .
73. a}+s tyf ljQLo ;+:yfn] sfod ug'{kg]{ ljBdfg # k|ltztsf] clgjfo{ gub cg'kft
oyfjt\ /flvPsf]] 5 .
74. jfl0fHo a}+sn] sfod ug'{kg]{ j}wflgs t/ntf cg'kft !) k|ltzt, ljsf; a}+sn] *
k|ltzt / ljQ sDkgLn] & k|ltztnfO{ oyfjt\ sfod ul/Psf] 5 .
75. a}s tyf ljQLo ;+:yfn] clGtd C0fbftf ;'ljwfsf] ?kdf pkof]u ug]{ a}+sb/nfO{ %
k|ltztdf oyfjt\ /flvPsf] 5 .
cfly{s jif{ @)&&÷&* sf] ljQLo If]q ;DaGwL Joj:yf
shf{ ;DaGwL Joj:yf
76. sf]le8–!( ;+qmd0faf6 k|efljt cy{tGqnfO{ k'g?Tyfg ug{ s[lif, phf{, ko{6g tyf
3/]n', ;fgf Pjd\ demf}nf pBf]udf shf{ nufgL k|f]T;flxt ug]{ gLlt cjnDag
ul/g]5 . cfly{s jif{ @)&&÷&* b]lv a}+s tyf ljQLo ;+:yfn] tf]lsPsf k|fyldstf
k|fKt If]qdf ug'{kg]{ shf{ nufgL ;DaGwL Joj:yfdf ;d]t kl/dfh{g ul/Psf] 5 .
k'g/shf{sf] kxF'r ljs]lGb|t ul/Psf] 5 . ;x'lnotk"0f{ shf{ sfo{qmd k'g/;+/rgf ub}{
bfo/f km/flsnf] agfOPsf] 5 .
s[lif shf{
77. s[lif pTkfbgdf cfTdlge{/ xF'b} vfB ;'/Iff sfod ug{ / jx';+Vos g]kfnLsf] cfo
cfh{g tyf /f]huf/Lsf] cfwf/sf] ?kdf /x]sf] s[lif If]qsf] ljsf;sf nflu jfl0fHo
a}+sn] @)*) c;f/ d;fGt;Dd s'n shf{ nufgLsf] Go"gtd !% k|ltzt s[lif If]qdf
k|jfx ug'{kg]{ Joj:yf ul/g]5 . ;fy}, s[lif shf{ u0fgf ljlwdf kl/dfh{g ul/g]5 .
78. kmnk"mndf cfTdlge{/ x'g ;xof]u k'¥ofpg] u/L Jofj;flos ?kdf ul/g] cfFk, ;'Gtnf,
h'gf/, df};d, lsjL, 8«ofug k|m'6, sfutL, lnlr, Pef]sf8f] nufotsf kmnk"mn v]tLsf]
nflu lnPsf] shf{df klxnf] jif{ )=@ k|ltzt / bf];|f] jif{ )=^ k|ltzt dfq shf{
gf]S;fgL Joj:yf sfod u/] k'Ug] Joj:yf ldnfOg] 5 .
79. /]zd, h'6, skf; nufotsf s[lif v]tLsf] ljsf; u/L pBf]u;Fu cu| ;DaGw / k[i7
;DaGw :yflkt ug]{ s[lif pTkfbg clej[l4 ug]{tkm{ shf{ k|jfxnfO{ k|f]T;flxt ug{ shf{
gf]S;fgL Joj:yfdf nrstf ckgfOg] 5 .
80. hUuf PsLs/0f jf s/f/ dfkm{t Jofj;flos s[lif, pBf]u / cGo Joj:ffo ;~rfngdf
shf{ k|jfx ;xhLs/0f ug{] p2]Zon] lnh ;DklQ ;'/If0f ;DaGwL gLltut Joj:yf
ul/g]5 .
81. s[lif ljsf; a}+snfO{ s[lif If]qsf] cu'jf a}+s (Lead Bank) sf] ?kdf ljsf; ul/g]5 .
s[lif If]qdf bL3{sfnLg ;fwgsf] pknAwtf ;xh agfpg ;f] a}+sn] s[lif C0fkq
(Agricultural Bond)hf/L ug{;Sg] Joj:yf ldnfOg] 5 . o; Joj:yfn] s[lif If]qdf

yk ljQLo ;fwg kl/rfng x'g'sf ;fy} a}+s tyf ljQLo ;+:yfx?nfO{ s[lif C0fkqdf
nufgLdfkm{t tf]lsPsf] s[lif shf{ cg'kft sfod ug{ ;xh x'g] ljZjf; ul/Psf] 5 .
82. a}+s tyf ljQLo ;+:yfx?n] Ps cfk;df ub}{ cfPsf] s[lif shf{ vl/b÷laqmL (credit
swap) sf] Joj:yfnfO{ yk ;/nLs/0f ul/g]5 .
83. s[ifsnfO{ ljQLo ;fwgsf] ;fy} s[lif ;"rgf tyf hfgsf/L pknAw u/fpg s[lif
ljsf; a}+sdfkm{t æls;fg qm]l86 sf8{Æ sf] Joj:yf ul/g]5 .
84. s[lif ljsf; a}+ssf tflnd s]Gb|dfkm{t s[lif tflnd lj:tf/ ug{ cfjZos ;+:yfut
Pjd\ ;+/rgfut Joj:yf ldnfOg] 5 .
phf{ If]q shf{
85. phf{ cfTdlge{/tf k|j4{g ug{ tyf g]kfn ;/sf/n] kGw|f}+ of]hgf cjlwdf /fv]sf] %
xhf/ d]ufjf6 hnljB't\ pTkfbgsf] nIonfO{ ;xof]u k'¥ofpg jfl0fHo a}+sx?n]
@)*! c;f/ d;fGt;Dd cfˆgf] s'n shf{ nufgLsf] Go"gtd !) k|ltzt phf{ If]qdf
nufgL ug'k{ g]{ Joj:yf ldnfOg] 5 .
86. phf{ If]qdf nufgLsf] cg'ej xfl;n u/]sf jfl0fHo a}+sx?n] phf{ C0fkq (Energy
Bond) hf/L ug{;Sg] Joj:yf ldnfOg] 5 . o; Joj:yfaf6 phf{ If]qdf bL3{sfnLg
;fwgsf] pknAwtf ;xh x'g'sf ;fy} phf{ If]qdf shf{ k|jfx Go"g ePsf a}+s tyf
ljQLo ;+:yfx?nfO{ phf{ C0fkqdf nufgL dfkm{t Go"gtd shf{ cg'kft sfod ug{
;xof]u k'Ug] 5 .
87. ljB't\ cfof]hgf lgdf{0f u/L ljB't\ lgof{t ug{ z'? u/]df lgof{t z'? u/]sf] % jif{;Dd
a}+s tyf ljQLo ;+:yfn] pQm kl/of]hgfnfO{ cfwf/ b/df ! k|ltzt ljGb'n] dfq yk
u/L shf{ k|fKt x'g ;Sg] Joj:yf ldnfOg] 5 .
88. hnfzoo'Qm hnljB't\ cfof]hgfdf nufgL k|f]T;flxt ug]{ p2]Zon] To:tf cfof]hgfnfO{
cfwf/ b/df ! k|ltzt ljGb'n] dfq yk u/L shf{ k|fKt x'g ;Sg] Joj:yf ldnfOg] 5 .
89. hnljB't\ cfof]hgf ;DkGg eO{ pTkfbg k|f/De u/]tfklg k|;f/0f nfO{g lgdf{0f
gePsf] sf/0f k"0f{ Ifdtfdf ;~rfng x'g g;s]sf cfof]hgfsf] xsdf k|;f/0f nfOg
lgdf{0f eO{ ;~rfngdf gcfpFbf;Ddsf] nflu Aofh /sd cf+lzs ?kdf k'FhLs/0f ug{
o; a}+ssf] :jLs[lt lng' gkg]{ Joj:yf ldnfOg] 5 .
ko{6g If]q tyf n3', ;fgf Pjd\ demf}nf pBd shf{
90. sf]le8–!( ;+s6af6 clt k|efljt xjfO p8\og Joj;fo, oftfoft, xf]6n, /]i6'/]G6
nufotsf ko{6g If]qsf pBd–Joj;fo k'g?Tyfgsf nflu rfn' k'FhL shf{,
;x'lnotk"0f{ shf{ / k'g/shf{ k|jfxdf k|fyldstf lbOg] 5 .
91. ko{6g If]q;Fu ;DalGwt lgdf{0fflwg cfof]hgfx? lgdf{0f ;DkGg ug{ k'FhLsf] cefj
x'g] ePdf To:tf cfof]hgfsf nflu a}+s tyf ljQLo ;+:yfaf6 ;xh 9+uaf6 shf{
pknAw x'g] Joj:yf ul/g]5 .
92. jfl0fHo a}+sx?n] @)*! c;f/ d;fGt;Dd n3', ;fgf Pjd\ demf}nf pBdsf If]qdf
?= ! s/f]8 eGbf sd /sdsf shf{x? cfˆgf] s'n shf{ nufgLsf] Go"gtd !% k|ltzt
x'g] u/L k|jfx ug'{ kg]{ Joj:yf ldnfOg] 5 .
;x'lnotk"0f{ shf{
93. sf]le8–!( k|sf]ksf] sf/0f cy{tGqdf k/]sf] c;/nfO{ dWogh/ /fVb} pTkfbg
clej[l4, /f]huf/L l;h{gf / pBdlzntf ljsf;sf nflu ljBdfg ;x'lnotk"0 f{ shf{
sfo{qmd ;/n ?kdf sfof{Gjog x'g] Joj:yf ldnfOg] 5 . a}+s tyf ljQLo ;+:yfaf6
tf]lsPsf If]qdf o:tf] shf{ C0fLnfO{ % k|ltzt Aofhb/df pknAw x'g]5 .
94. ;x'lnotk"0f{ shf{ k|jfxdf k|b]zut ;Gt'ng sfod ug'{sf ;fy} nlIft If]q / ju{df
shf{df kx'Fr ;'lglZrt ug{] p2]Zon] jfl0fHo a}+sn] sDtLdf %)) jf Go"gtd
k|ltzfvf !) / /fli6«o :t/sf ljsf; a}sn] sDtLdf #)) jf Go"gtd k|lt zfvf %
dWo] h'g a9L x'G5 ;f]xL ;+Vofdf shf{ k|jfx ug'{kg]{ Joj:yf ul/g]5 .
ljljw
95. ljsf; a+}sn] cfˆgf] s'n shf{ nufgLsf] Go"gtd @) k|ltzt / ljQ sDkgLx?n]
Go"gtd !% k|ltzt shf{ s[lif, n3', 3/]n' tyf ;fgf pBd, phf{ / ko{6g nufot
tf]lsPsf If]qdf @)*! c;f/ d;fGt;Dddf k|jfx ug'k{ g]{ Joj:yf ul/g]5 .
96. zx/L ljsf; / Jojl:yt a;f]af; k|f]T;flxt ug]{ p2]Zon] cg'dlt k|fKt 3/–hUuf
Joj;foLaf6 ;~rfng ul/g] g]kfn ;/sf/af6 :jLs[lt k|fKt lgdf{0ffwLg cfjf;
cfof]hgfsf] nflu / JolQmnfO{ klxnf] 3/ lgdf{0fsf nflu k|jfx ul/g] lghL cfjf;Lo
cfjf; shf{ (Personal Residential Home Loan) sf] xsdf shf{ ;'/If0fd"No
cg'kftsf] ;Ldf ^) k|ltzt sfod ul/g]5 .
97. 3/ hUuf tyf l/on :6]6 If]qdf k|jfx x'g] shf{sf] ;DaGwdf shf{ ;'/If0fd"No cg'kft
sf7df8f}+ pkTosf leqsf] nflu $) k|ltzt / cGo :yfgsf] xsdf %) k|ltzt
sfod ug'{kg]{ ljBdfg Joj:YffnfO{ oyfjt\ sfod ul/Psf] 5 .
98. z]o/ lwtf] /fvL k|bfg x'g] dflh{g k|s[ltsf] shf{sf] nflu shf{ ;'/If0f d"No cg'kft
ljBdfg ^% k|ltztaf6 a9fO{ ;DalGwt ljQLo ;+:yfn] d"NofÍg u/L &) Kf|ltzt;Dd
k|bfg ug{ ;Sg] Joj:yf ldnfOg] 5 .
99. z]o/ lwtf]df k|bfg x'g] dflh{g k|s[ltsf] shf{ k|jfxdf z]o/sf] d"NofÍg ubf{ ljBdfg
!*) lbgsf] clGtd d"Nosf] cf};t d"No jf z]o/sf] k|rlnt ahf/ d"NodWo] h'g sd
5 To;}sf] cfwf/df ug'{ kg]{ Joj:yfnfO{ kl/jt{g u/L !@) lbg sfod ul/Psf] 5 .
cfly{s k'g?Tyfg nlIft ljz]if sfo{qmd
k'g/shf{
100. sf]le8–!( af6 k|efljt k]zf, pBd / Joj;fosf] shf{df kx'Fr clej[l4 ub}{ cfly{s
lqmofsnfk lj:tf/sf nflu ;x'lnot Aofhb/df shf{ pknAw u/fpg / b]zsf
b'Uf{d:yfg;Dd shf{ ;'ljwf ;xh ug]{ p2]Zon] k'g/shf{ ;DaGwL ljBdfg Joj:yfdf
kl/dfh{g ub}{ k'g/shf{sf nflu pknAw sf]ifsf] % u'0ff;Dd k'g/shf{ pknAw u/fpg]
Joj:yf ul/Psf] 5 .
101. o; a}+saf6 k|bfg ul/g] s'n k'g/shf{dWo] @) k|ltzt;Dd u|fxs cg';f/ d"NofÍgsf
cfwf/df k|bfg ug]{ Joj:yf ldnfOPsf] 5 . o;jfx]s &) k|ltzt;Dd jfl0fHo a}+s,
ljsf; a}+s tyf ljQ sDkgLdfkm{t / !) k|ltzt;Dd n3'ljQ ljQLo ;+:yfdfkm{t
Psd'i7 ?kdf k|bfg ug]{ Joj:yf ul/Psf] 5 .
102. a}+s tyf ljQLo ;+:yfnfO{ ! k|ltzt Aofhb/df lgof{thGo pBf]u / ?U0f pBf]u
nufotsf tf]lsPsf If]qdf ljz]if k'g/shf{, @ k|ltzt Aofhb/df n3', 3/]n' tyf
;fgf pBd k'g/shf{ / # k|ltzt Jofhb/df tf]lsPsf If]qdf ;fwf/0f k'g/shf{ k|bfg
ul/g]5 . o:tf k'g/shf{df C0fLn] qmdzM # k|ltzt, % k|ltzt / % k|ltzt dfq
Aofh ltg'k{ g]]{ Joj:yf ul/Psf] 5 .
103. a+}s tyf ljQLo ;+:yfnfO{ Psd'i7 k|bfg ul/g] k'g/shf{df k|lt u|fxs n3', 3/]n' tyf
;fgf pBd k'g/shf{sf] ;Ldf ?= !% nfv, ljz]if tyf ;fwf/0f k'g/shf{sf] ;Ldf
?= % s/f]8 / u|fxs cg';f/ d"NofÍgsf cfwf/df k|bfg ul/g] ;fwf/0f k'g/shf{sf]
;Ldf ?= @) s/f]8 x'g] Joj:yf ldnfOPsf] 5 .
sf]le8–!( af6 clt k|efljt k]zf÷Joj;fo ;~rfng shf{
104. sf]le8–!( af6 clt k|efljt pBf]u–Joj;fo ;'rf? ug{ ;xhLs/0f ug]{ p2]Zon]
C0fLsf] cfjZostf / kl/of]hgf÷Joj;fosf] ;DefJotfsf] cfwf/df @)&^ r}tdf
sfod ePsf] rfn' k'FhL shf{{sf] ;Ldfdf a9Ldf @) k|ltzt;Dd ;DalGwt a}+s tyf
ljQLo ;+:yfn] yk shf{ k|jfx ug{ ;Sg] Joj:yf ldnfOg] 5 .
105. cfly{s jif{ @)&&÷&* sf] g]kfn ;/sf/sf]] ah]6df Joj:yf eP adf]lhd :yfkgf x'g]
?= %) ca{sf] sf]if kl/rfngdfkm{t lglZrt dfkb08sf] cfwf/df sf]/f]gf k|efljt
ko{6g / 3/]n', ;fgf tyf demf}nf pBd nufotsf Joj;fosf] ;~rfng Pj+d\
lg/Gt/tf, tL If]qsf >lds tyf sd{rf/Lsf] kfl/>lds e'QmfgL / clt k|efljt
If]qsf /f]huf/L u'Dg]x?nfO{ pBdlzntf ljsf;sf] cj;/ lbg a}+s tyf ljQLo
;+:yfx?af6 % k|ltzt Aofhdf shf{ pknAw u/fpg] Joj:yf ldnfOg] 5 .
shf{ e'QmfgL cjlwsf] Dofb yk, shf{ k'g/;+/rgf tyf k'g/tflnsLs/0f
106. sf]le8–!( sf] lgoGq0f / /f]syfdsf nflu rflnPsf sbdsf] sf/0f ko{6g, pBf]u,
lzIff, :jf:Yo, ;~rf/, dgf]/~hg nufot ;a} k]zf, pBf]u / Joj;fon] lnPsf]
C0fsf] ;fFjf / Aofh aGbfaGbLsf] cjlwdf e'QmfgL ug{ sl7gfO ePsf] cj:yfnfO{
b[li6ut u/L shf{ e'QmfgL cjlwsf] Dofb yk / shf{sf] k'g/;+/rgf tyf
k'g/tflnsLs/0fsf] Joj:yf ul/g]5 .
107. @)&& c;f/ dlxgf;Dd e'QmfgL cjlw ePsf l8df08 nf]g, Sof; q]ml86 nufotsf
cNksfnLg k|s[ltsf rfn' kF"hL shf{x?nfO{ a}+s tyf ljQLo ;+:yfn] C0fLsf] cj:yf
ljZn]if0f u/L @)&& k'; d;fGt;Dd e'QmfgL ug{ ;lsg]u/L gjLs/0f ug{ ;Sg]
Joj:yf ldnfOg] 5 .
108. sf]le8–!( af6 sd dfqfdf k|efljt ePsf] k]zf÷Joj;fodf k|jfx ePsf shf{sf]
@)&& c;f/ d;fGt;Ddsf] ;fFjfsf] ls:tf / Aofh /sdnfO{ @)&& k'; d;fGt;Dddf
e'QmfgL ug{ ;Sg] Joj:yf ldnfOg] 5 .
109. sf]le8–!( af6 dWod ?kdf k|efljt k]zf÷Joj;fodf k|jfx ePsf shf{sf] @)&&
c;f/ d;fGt;Dd e'QmfgL x''g'kg]{] ;fFjfsf] ls:tf / Aofh /sdnfO{ @)&& r}t
d;fGt;Dddf e'QmfgL ug{ ;Sg] Joj:yf ldnfOg] 5 .
110. sf]le8–!( jf6 clt k|efljt k]zf÷Joj;fodf k|jfx ePsf shf{sf] @)&& c;f/
d;fGt;Dd e'QmfgL x''g'kg]{] ;fFjfsf] ls:tf / Aofh /sdnfO{ @)&* c;f/
d;fGt;Dddf e'QmfgL ug{ ;Sg] Joj:yf ldnfOg] 5 . sf]le8–!( sf] sf/0f k'g:yf{lkt
x'g ;do nfUg] ko{6g If]q nufotsf clt k|efljt pBf]u Joj:ffodf /x]sf] shf{
e'QmfgLsf nflu cfjZostf cg';f/ yk ;do k|bfg ug{ ;Sg] Joj:yf ldnfOg] 5 .
111. @)&^ k'; d;fGtdf ;lqmo ju{df /x]sf shf{nfO{ C0fLn] @)&& k'; d;fGtleq
lnlvt sfo{ of]hgf k]z u/]df a}+s tyf ljQLo ;+:yfn] ;f] sf] ljZn]if0f u/L Go"gtd
!) k|ltzt Aofh c;'n pk/ u/L Ps k6ssf] nflu shf{ k'g/;+/rgf tyf
k'g/tflnsLs/0f ug{ ;Sg] Joj:yf ldnfOg] 5 .
112. clt k|efljt If]qsf kl/of]hgfdf k|jfx ePsf] shf{nfO{ k'g/;+/rgf tyf
k'g/tflnsLs/0f dfkm{t k'g?Tyfg ug{ kof{Kt gePdf cfjZostf cg';f/ ;DalGwt
lgsfox?;Fu ;dGjo u/L Private Equity, Venture Capital, Debt Equity Conversion,
Special Purpose Vehicle nufotsf dfWodaf6 k'g/;+/rgf ug{ ;lsg] Joj:yf
ldnfOg] 5 .
113. lgdf{0ffwLg k"jf{wf/ cfof]hgfdf k|jflxt shf{sf] u|]; cjlwdf kfs]sf] Aofh k'FhLs/0f
ug{ o; a}+saf6 k"j{ :jLs[lt kfO;s]sf shf{sf] xsdf @)&& k'; d;fGt;Dd
k'FhLs/0f ug{ ;lsg] Joj:yf ldnfOg] 5 .
114. sf]le8–!( sf] sf/0f u|]; cjlw leq pBf]u jf kl/of]hgfsf] lgdf{0f ;DkGg÷;+rfng
x'g g;s]sf] cj:yfdf ko{6s :t/Lo xf]6nsf] xsdf clwstd @ jif{, clt k|efljt
If]qdf k|jflxt shf{sf] xsdf ! jif{, dWod k|efljt If]qdf k|jflxt shf{sf] xsdf (
dlxgf / Go"g k|efljt If]qdf k|jflxt shf{sf] xsdf ^ dlxgf;Ddsf nflu Ps k6s
u|]; cjlw yk ug{ ;lsg] Joj:yf ldnfOg] 5 .
115. @)&& c;f/ d;fGt;Dd c;'n x'g g;s]sf] n3'ljQ ljQLo ;+:yfaf6 k|jflxt shf{sf]
ls:tf C0fLsf] cfjZostf / Joj;fo ;'rf? x'g nfUg] ;do d'NofÍg u/L a9Ldf ^
dlxgf;Dd efvf ;fg{ ;Sg] Joj:yf ldnfOg] 5 .
ljQLo If]q ;'b[9Ls/0f

116. a}+s tyf ljQLo ;+:yfx?sf] k'FhLsf] cfwf/ bl/nf] agfO{ hf]lvd jxg Ifdtf ;'b[9
t'Nofpg jfl0fHo a}+sx? Ps cfk;df ufEg], ufleg] tyf k|flKt k|lqmofnfO{ yk
k|f]T;flxt ul/g]5 .
117. @)&* c;f/;Dddf afl0fHo a}+sx?n] Ps cfk;df ufEg]÷ufleg] gLltut Joj:yf
cg'?k ;+o'Qm sf/f]af/ ;~rfng u/]df ;+o'Qm sf/f]af/ z'? u/]sf] ldltaf6 ;fljssf]
;'ljwfsf cltl/Qm @)&( c;f/;Ddsf nflu b]xfo adf]lhdsf yk ;'ljwf k|bfg
ul/g]5 .
-s_ clgjfo{ gub cg'kftdf )=% k|ltzt / j}wflgs t/ntf cg'kftdf ! k|ltzt
laGb'n] 5'6 lbOg]] .
-v_ o; a}+saf6 tf]lsPsf] ;+:yfut d'2tL lgIf]k ;+sng :fLdfdf !) k|ltzt ljGb'n]
yk ul/g] .
-u_ o; a}+saf6 tf]lsPsf] k|lt ;+:yf lgIf]k ;+sng :fLdfdf % k|ltzt ljGb'n] yk
ul/g] .
-3_ ;+~rfns ;ldltsf ;b:o / pRr kb:y sd{rf/L kbaf6 x6]sf] sDtLdf ^
dlxgf JotLt geO{ o; a}saf6 Ohfht k|fKt cGo ;+:yfdf cfj4 x'g gkfpg]
ljBdfg k|fjwfg nfu" gx'g] .
;fy}, ;+:yfut lgIf]kstf{x?n] /fVg] a}+s cg';f/sf] lgIf]ksf] ;Ldf ;dfof]hg
ug{ ;DalGwt ;+:yfx?;Fu ;dGjo ul/g]5 .
118. Pp6} JolQm÷;d"xåf/f k|j4{g ePsf tyf Psf3/ kl/jf/ Pjd\ Joj;flos ;d"xsf]
k|ToIf jf ck|ToIf :jfldTj÷lgoGq0fdf /x]sf ;+:yfx? / Jofj;flos ;DaGw :yflkt
ePsf a}+s tyf ljQLo ;+:yfx?nfO{ Ps cfk;df ufEg÷ufleg] Joj:yf ldnfOg] 5 .
119. n3'ljQ ljQLo ;+:yfx?sf] k'FhLsf] cfwf/ ;'b[9 t'Nofpg Ps cfk;df ufEg], ufleg]
tyf k|flKt k|lqmofnfO{ k|f]T;flxt ul/g]5 .
120. ljQLo If]q;FUf ;DalGwt sfg"gx?nfO{ cfjZostf cg';f/ ;d;fdlos agfpg a}lsË
s;'/ P]g, @)^$ / ljlgd]o clwsf/ kq P]g, @)#$ sf] ;+zf]wg k|:tfj g]kfn ;/sf/
;dIf k]z ul/g]5 .
lgodg tyf ;'kl/j]If0f

121. sf]le8–!( ;+qmd0fsf sf/0f k|efljt cy{tGq k'g?Tyfg ug{ a}+s tyf ljQLo
;+:yfx?sf] ;fwg k|jfx clej[l4 ug{ shf{ ;|f]t kl/rfng cg'kft (CCD Ratio) sf]
;Ldf @)&* c;f/ d;fGt;Ddsf] nflu *) k|ltztaf6 a9fO{ *% k|ltzt sfod
ul/g]5 . shf{ ;|f]t kl/rfng cg'kft u0fgf ubf{ o; eGbf klxn] ug]{ ul/Psf ;j}
k|sf/sf ;dfof]hgx? vf/]h ul/g] 5g\ .
122. o; a}+saf6 Ohfhtkq k|fKt ;a} a}+s tyf ljQLo ;+:yfx?n] cfly{s jif{ @)&^÷&&
sf] v'b ljt/0fof]Uo d'gfkmfsf] #) k|ltzt;Dd -pQm ;+:yfsf] @)&& c;f/ d;fGtdf
sfod lgIf]ksf] efl/t cf};t Aofhb/ eGbf a9L gx'g] u/L_ dfq gub nfef+; 3f]if0ff
tyf ljt/0f ug{ kfpg] Joj:yf ul/g]5 . t/ s'n r'Qmf k'FhLsf] % k|ltzt eGbf sd
v'b ljt/0fof]Uo d'gfkmf ePsf Ohfhtkq k|fKt ;+:yfsf] gub nfef+; ljt/0fdf /f]s
nufOg] 5 .
123. Ohfht k|fKt ;+:yfn] C0fLaf6 cfly{s jif{ ;dfKt ePsf] !% lbg leq gubdf c;'n
ePsf] Aofh /sdnfO{ lgofdsLo sf]ifdf ;fg'{ gkg]{ Joj:yf /x]sf]df o:tf] cjlw
cfly{s jif{ @)&^÷&& sf] nflu () lbg sfod ul/g]5 .
124. jfl0fHo a}+sx?n] @)&& c;f/;Dd cfˆgf] r'Qmf k'FhLsf] sDtLdf @% k|ltzt C0fkq
hf/L ul/;Sg' kg]{ ;dofjlw @)&( c;f/ d;fGt sfod ul/g]]5 .
125. a}+s tyf ljQLo ;+:yfx?n] ;j{;fwf/0fsf] ;'g lgIf]ksf] ?kdf :jLsf/ ug{ ;Sg]
Joj:yfsf] sfof{Gjog ug{ ;'gsf] z'4tf dfkg ug{] nufotsf Joj:yfsf] nflu
;DalGwt lgsfox?;Fu ;dGjo ul/g]5 .
126. ljBdfg k'FhLsf]if kof{Kttf ;DaGwL Joj:yfnfO{ yk kl/is[t agfpFb} n}hfg] clek|fon]
Ohfht k|fKt qm]l86 /]l6Ë Ph]G;Laf6 ul/Psf] /]l6Ësf]] cfwf/df ;d]t shf{sf] hf]lvd
ef/ lgwf{/0f ug]{ Joj:yf ldnfOg] 5 .
127. k"jf{wf/ lgdf{0f;Fu ;DalGwt kl/of]hgfdf k|jflxt shf{sf nflu ljBdfg shf{
gf]S;fgL tyf hf]lvd ef/ lgwf{/0f ;DaGwL Joj:yf nlrnf] agfOg] 5 .
128. sf]le8–!( af6 k|efljt pBf]u k]zf Joj;fonfO{ cfjZos yk ljQLo ;'ljwf pknAw
u/fpg] clek|fon] ljQLo :yfloTjdf c;/ gkg]{ u/L ljBdfg k'FhLsf]if kof{Kttf
;DaGwL Joj:yfdf @)&* c;f/ d;fGt;Ddsf] nflu b]xfo adf]lhd yk nrstf

ckgfOg] 5 .
-s_ Countercyclical Buffer sf] Joj:yf :yug ul/Psf] 5 .
-v_ ;~rfng hf]lvd, ahf/ hf]lvd / ;du| hf]lvdsf]nflu ;'k/Lj]IfsLo ?kdf /fVg]
ul/Psf] ljBdfg clwstd yk hf]lvd ef/ % k|ltzt, # k|ltzt / %
k|ltztaf6 36fO{ qmdzM # k|ltzt, ! k|ltzt / # k|ltzt sfod ul/g]5 .
-u_ Private Equity, Debt Equity Conversion, Special Purpose Vehicle df ul/Psf]
a}+s tyf ljQLo ;+:yfsf] nufgLnfO{ k'FhLsf]if u0fgf ubf{ 36fpg' gkg]{ Joj:yf
ldnfOg] 5 .
-3_ jf;nft jflx/sf sf/f]af/df tf]lsPsf] hf]lvdef/ k'g/fjnf]sg ul/g]5 .
129. @)&^ k'; d;fGtdf lgoldt / c;n ju{df /x]sf shf{nfO{ sf]le8–!( sf] k|efjsf]
sf/0fn] sd;n x'g gk/f];\ eGg] clek|fon] shf{ juL{s/0f ;DaGwdf ljz]if Joj:yf
ldnfOg] 5 . o; cGtu{t @)&^ k'; d;fGtdf c;n ju{df /x]sf shf{nfO{ @)&&
c;f/ d;fGtdf ;d]t c;n ju{df g} juL{s/0f ug{ ;lsg] 5 . o;/L c;n ju{df
/x]tfklg @)&& c;f/ d;fGt;Ddsf] ;fFjf / Aofh c;'n x'g g;s]sf] cj:yfdf
To:tf shf{sf] nflu cfly{s jif{ @)&^÷&& sf] lx;fjdf % k|ltzt shf{ gf]S;fgL
Joj:yf sfod ug'{ kg]{5 .
130. a}+s tyf ljQLo ;+:yfsf] Stress Testing ;DaGwL dfu{bz{g kl/dfh{g u/L cGt/f{li6«o
dfkb08 cg'?ksf] agfOg] 5 .
131. jfl0fHo a}+sx?n] lgIf]k kl/rfng / shf{ k|jfx ;lxtsf] jflif{s sfo{of]hgf ;+rfns
;ldltaf6 :jLs[t u/fO{ k|To]s cfly{s jif{sf] ;fpg d;fGtleq o; a}+s ;dIf
clgjfo{ ?kdf k]z ug'{kg]{ / sfo{of]hgf sfof{Gjogsf] ;dLIff ;DalGwt a}+ssf]
;+rfns ;ldltn] q}dfl;s ?kdf ug'{kg]{ ljBdfg Joj:yf ljsf; a}+s / ljQ
sDkgLx?sf] nflu ;d]t nfu" ul/g]]5 .
132. cfly{s jif{ @)&&÷&* b]lv /fli6«o :t/sf ljsf; a}+sx?df ;dfgfGt/ ?kdf jf;n–
# sf] Joj:yf nfu" ul/g]5 .
133. a}+s tyf ljQLo ;+:yfn] ;x'lnotk"0f{ shf{ / k'g/shf{{sf] ljj/0f j]j;fO6dfkm{t
q}dfl;s ?kdf ;fj{hlgs ug'{kg]{ Joj:yf ldnfOg] 5 .
134. ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL
cGt/f{li6«o k|fjwfg cg'?k kf/:kl/s d"NofÍg ;DaGwL sfo{ ;DkGg ug{ cfjZos
;dGjo ul/g]5 . ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL
lgjf/0f ;DaGwL /fli6«o /0fgLltdf plNnlvt o; a}+s;Fu ;DalGwt sfo{x?sf]
k|efjsf/L sfof{Gjog ul/g]]5 .
135. ;DklQ z'4Ls/0f Pjd\ cftÍjfbL lqmofsnfkdf ljQLo nufgL lgjf/0fsf nflu
goAML System sf] bfo/fdf a}+s tyf ljQLo ;+:yfsf cltl/Qm cGo ;"rs
;+:yfx?nfO{ ;d]t cfj4 ul/g]5 .
136. ;DklQ z'4Ls/0f lgjf/0f k|0ffnLdf cfwfl/t sf/f]af/sf] hf]lvd dfkg tyf ljZn]if0f
k|efjsf/L agfpg ;'kl/j]IfsLo Ifdtf clej[l4 ul/g]5 .
n3'ljQ
137. n3'ljQ ljQLo ;+:yfx?sf] O{hfht lbg] sfo{ :yug ul/Psf] 5 . ;fy}, Ohfhtsf]
k|lqmofdf /x]sf n3'ljQ ljQLo ;+:yfx?sf] Ohfht k|lqmof ;d]t /2 ul/Psf] 5 .
138. k|b]z:t/df sf/f]af/ ug]{ n3'ljQ ljQLo ;+:yfx?n] tf]lsPsf] k|b]z afx]ssf If]qdf
;~rfngdf /x]sf zfvf sfof{no laqmL, aGb jf :yfgfGt/0f u/L cfˆgf] ;Dk"0f{
sf/f]af/ Pp6} k|b]zdf ;Lldt ug'{kg]{ ;do ;Ldf @)&& c;f/ d;fGtaf6 a9fO{
@)&* c;f/ d;fGt sfod ul/Psf] 5 .
139. Jofj;flos kl/of]hgfsf] nflu :jLsf/of]Uo lwtf] lnO{ tf]lsPsf s[lif, n3' pBd tyf
Joj;fo ug]{ ljkGg tyf Go"g cfo ePsf JolQm, kmd{ jf ;d"xnfO{ k|bfg ul/g] shf{
;Ldf ?= & nfvaf6 a9fO{ ?= !% nfv sfod ul/g]5 .
140. n3' ljQ ljQLo ;+:yfx?n] cfˆgf u|fxs;Fu lng] Aofhb/ clwstd !% k|ltzt
sfod ul/g]5 . n3'ljQ ljQLo ;+:yfdf cfwf/ b/ -Base Rate_ u0fgf ljlw to u/L
Aofhb/ lgwf{/0fnfO{ yk Jojl:yt agfOg] 5 .
141. Ohfht k|fKt …sÚ, …vÚ, …uÚ / yf]s shf{ k|jfx ug]{ …3Ú ju{sf a}+s tyf ljQLo
;+:yfx?n] ljkGg ju{ shf{sf] ?kdf n3'ljQLo ;+:yfx?nfO{ k|jfx ug]{ shf{df )=%
k|ltzt eGbf a9L ;]jf z'Ns lng gkfOg] Joj:yf ul/g]5 .
142. n3'ljQ ljQLo ;+:yfn] lglZrt k|of]hgsf nflu :yflkt bL3{sfnLg sf]ifx? Affx]ssf
/sd a}+s tyf ljQLo ;+:yfdf # dlxgf eGbf a9L cjlwsf] d'2tL lgIf]kdf /fVg /
gjLs/0f ug{ gkfpg] Joj:yf ul/g]5 .
143. :yfgLo txsf ;a} j8fx?df ljQLo kx'Fr k'¥ofpg] p2]Zon] n3'ljQ ljQLo ;+:yfx?sf]
zfvf gePsf j8fx?df dfq zfvf vf]Ng kfpg] Joj:yf ldnfOg] 5 .
144. n3'ljQ ljQLo ;+:yfx?dWo] yf]s shf{ k|jfx ug]{ tyf ;j{;fwf/0faf6 lgIf]k ;+sng
ug{ :jLs[t k|fKt ;+:yfx?n] cfly{s jif{ @)&&÷&* sf] ljQLo ljj/0f g]kfn ljQLo
k|ltj]bg dfg (NFRS) cg';f/ ;d]t k|sfzg ug'{kg]{ Joj:yf ul/g]5 .
e'QmfgL k|0ffnL
145. ;jn / ;'/lIft ljB'QLo e'QmfgL k|0ffnLsf] ljsf; ub}{ gub sf/f]af/ Go"gLs/0f ug{
g]kfn ;/sf/n] sfof{Gjogdf NofPsf] l8lh6n g]kfn k|m]djs{sf] dd{ cg'?k ;a}
k|sf/sf ljQLo sf/f]af/ ljB'QLo dfWodaf6 ug{ k|f]T;flxt ul/g]5 .
146. g]kfnleq x'g] ;a} k|sf/sf ljB'QLo sf/f]jf/sf] clen]v sfod u/L e'QmfgL k|0ffnLdf
yk ;xhLs/0f ug{ /fli6«o e'QmfgL :jLrsf] :yfkgf ul/g]5 .
147. e'QmfgL ;]jf ;~rfns tyf e'QmfgL ;]jf k|bfos ;+:yfx? ;~rfng ug{ o; cl3
;}4flGts ;xdlt k|bfg ul/Psf jfx]s gofF cg'dlt lbg] sfo{ :yug ul/Psf] 5 .
148. e'QmfgL ;]jf k|bfos -PSP_ sf] ?kdf cg'dlt kfPsf ;+:yfn] @)&* c;f/
d;fGt;Dddf sDtLdf # nfv u|fxs gk'¥ofPdf / dfl;s cf};t sf/f]af/ ;+Vof
slDtdf ^ nfv gk'u]df To:tf ;+:yfsf] cg'dlt vf/]h ug{ ;lsg] Joj:yf ul/g]5 .
149. ljB'QLo e'QmfgLdf Quick Response (QR) Code dfkm{t x'g] e'QmfgLnfO{ Jojl:yt ug{
dfu{bz{g hf/L ul/g]5 .
150. e'QmfgL k|0ffnLsf] ljsf; ;DaGwL ;"rsx? (Payment System Development Indicator,
PSDI) k|sfzg ul/g]5 .
151. ;/sf/L C0fkqsf] sf/f]af/ Jojl:yt ug{ ;DalGwt lgsfox?;Fu ;dGjo u/L
;/sf/L C0fkqsf] cef}ltsLs/0f ul/g]5 .
ljb]zL ljlgdo Joj:yfkg
152. Sight LC dfkm{t cf}Bf]lus sRrf kbfy{ / d]lzg/L ;/;fdfg cfoft ubf{ jfl0fHo
a}+sx¿n] kl/jTo{ ljb]zL d'b|fdf k|jfx ug]{ C0fsf] Aofhb/ ;DaGwL ljBdfg Joj:yfdf
k'g/fjnf]sg ul/g]5 . ;fy}, k|tLtkqsf] e'QmfgLnfO{ ;xhLs/0f ug{ cfjZostf
cg';f/ Sight L/C nfO{ Deferred payment x'g]u/L ljb]zL a}+sx?af6 Discount
u/fpg ;lsg] Joj:yf ul/g]5 .
153. cfoft Jofkf/df cfjZos kg]{ aLdf / 9'jfgL ;DaGwL ;]jfx? ;Dej eP;Dd g]kfnL
;]jf k|bfosaf6 lng'kg]{ u/L cfjZos gLltut Joj:yf ul/g]5 .
154. Documents Against Payment (DAP) / Documents Against Acceptance (DAA)
;DaGwL Joj:yf adf]lhd cfoft ubf{ k|bfg ul/g] ljb]zL d'b|fsf] ;6xL ;Ldf %)
xhf/ cd]l/sL 8n/ sfod ul/g]5 .
155. t];|f] d'n'saf6 8«fkm\6÷l66Lsf] dfWodaf6 a:t' cfoftubf{ Ps k6sdf a9Ldf #)
xhf/ cd]l/sL 8n/ a/fa/;Ddsf] ljb]zL d'b|fsf] ;6xL ;'ljwflbg] Joj:yf /x]sf]df
;f] ;Ldfdf j[l4u/L #% xhf/ cd]l/sL 8n/ sfod ul/g] 5 .
156. k|tLtkqdfkm{t kl/jTo{ ljb]zL d'b|fdf e'QmfgL u/L ef/taf6 cfoft ug]{] j:t'sf] bfo/f
a9fOg] 5 .
157. ;"rgf k|ljlw nufot ljljw ;]jf online jf electronic dfWodaf6 lgof{t u/L k|fKt
x'g] ljb]zL d'b|f ;DalGwt lgof{tstf{ jf ;]jf k|bfossf] ljb]zL d'b|f a}+s vftf jf
sf8{df k|fKt ug{ ;lsg] Joj:yf ldnfOg] 5 .
158. ljk|]if0f cfo cf}krfl/s dfWodaf6 leœofpg k|f]T;flxt ug]{ p2]Zon] a}+s tyf ljQLo
;+:yf / ljk|]if0f sf/f]af/ ug{ cg'dlt k|fKt ;+:yfx?n] ljk|]if0f sf/f]af/df lng] z'Ns
lgwf{/0f ;DaGwdf gLltut Joj:yf ul/g]5 . ;fy}, df]jfOn jfn]6sf] sf/f]af/
Jojl:yt u/L cf}krfl/s dfWodaf6 ljk|]if0f cfo leœofpg k|f]T;flxt ul/g]5 .
159. g]kfn ;/sf/, pBf]u ljefu cGtu{t :yflkt Psn ljGb' ;]jf s]Gb|df /x]sf] ljb]zL
ljlgdo ;xhLs/0f PsfO{nfO{ yk k|efjsf/L agfOg] 5 .
160. Jofkfl/s kmd{x¿n] ug]{ cfoftsf] xsdf o';fG; k|tLtkqsf] ljBdfg cjlw !@)
lbgaf6 a9fO{ !*) lbg sfod ul/g]5 .
161. ljb]zL d'b|f k|fKt ePkl5 g]kfnL lgof{tstf{x¿sf] gfddf clu|d e'QmfgLsf] k|df0fkq
(Advance Payment Certificate) hf/L u/L ;Sg' kg]{ ;do;Ldf ljBdfg ! dlxgfaf6
a9fO{ $ dlxgf sfod ul/g]5 .
162. g]kfnL lgof{tstf{n] ;DalGwt lgsfosf] :jLs[lt lnO{ ljb]zdf ljleGg k|bz{gL,
Jofkf/d]nf cflbdf g]kfnL j:t' laqmL u/]jfkt k|fKt gub ljb]zL d'b|f g]kfnl:yt a}+s
tyf ljQLo ;+:yfdf /x]sf] lgof{tstf{sf] ljb]zL d'b|f vftfdf ;d]t hDdf ug{ ;lsg]
Joj:yf ul/g]5 .
163. lglZrt zt{ / dfkb08sf] clwgdf /xL lglZrt /sd;Ddsf] ljb]zL nufgL jfktsf]
ljb]zL d'b|f a}+s tyf ljQLo ;+:yfx?dfkm{t :jrflnt tj/ (Automatic Route) af6
leœofpg ;Sg] Joj:yf ul/g]5 .
164. a}bl] zs nufgLdf /x]sf k"jf{wf/ ljsf; lgdf{0f;Fu ;DalGwt lgdf{0fflwg
cfof]hgfx?n] ljb]zl:yt Parent Company/Group of Companies af6 k'FhL nufgLsf]
lglZrt u'0ff;Dd tf]lsPsf] Aofhb/sf] ;Ldfleq /xL C0f lng kfpg] Joj:yf
ul/g]5 .
165. ljb]zL d'b|fsf] nufgLdf x'g ;Sg] ljlgdo hf]lvd Go"gLs/0f ug{ ljlzli6s[t ;+:yf
dfkm{t Joj;flos ?kdf x]lhË ;DaGwL sfo{ ug{ k|f]T;flxt ul/g]5 .
;+:yfut ;'zf;g, ljQLo ;fIf/tf / u|fxs ;+/If0f
166. o; a}+saf6 Ohfht k|fKt a}+s tyf ljQLo ;+:yf / cg'dlt k|fKt cGo ;+:yfx?df o;
a+}sn] hf/L u/]sf] ;+:yfut ;'zf;g ;DaGwL lgb]]{zgsf] cg'kfngfdf z"Go ;xglzntf
ckgfOg] 5 .
167. sf]le8 !( sf] sf/0f ldtJolotf sfod ug'{ kg]{ cj:yfnfO{ b[li6ut u/L a}+s tyf
ljQLo ;+:yfsf k|d'v sfo{sf/L clws[t nufot pRr kb:y sd{rf/Lsf] kfl/>lds
tyf ;'ljwf ;DaGwL Joj:yfdf k'g/fjnf]sg ul/g]5 . To;}u/L, ;~rfns ;ldltsf]
j}7s eQf tyf ;'ljwf lgwf{/0f ;DaGwdf dfkb08 th"{df ul/g]5 .
168. ;j{;fwf/0fsf] a}+lsË ;]jf;Fu ;DalGwt lh1f;f, u'gf;f tyf ;'emfj o; a}+ssf]
j]j;fO6df 5'§} kf]6{ndfkm{t ;d]t Kf|fKt ug]{ Joj:yf ul/g]5 . o; a}+sdf :yflkt
ljQLo u|fxs ;+/If0f OsfOdfkm{t ;a} k|sf/sf u'gf;f tyf ;'emfjx?sf] sfof{Gjog
x'g] Joj:yf ldnfOg] 5 .
169. ljQLo ;fIf/tf sfo{qmdnfO{ k|efjsf/L agfpFb} ljQLo ;]jfsf] dfu clej[l4 ug{ o;
a}+saf6 tof/ kfl/Psf] ljQLo ;fIf/tf 9fFrf (Financial Literacy Framework) sf]
sfof{Gjog ul/g]5 .
170. a}+s tyf ljQLo ;+:yfnfO{ ljQLo ;fIf/tf clej[l4 ug{] sfo{df yk pQ/bfoL agfpFb}
;x'lnotk"0f{ shf{, k'g/shf{, ;kmf gf]6 gLlt, ljB'tLo e'QmfgL ;]jf nufotsf o;
a}+sn] hf/L u/]sf gLltut Joj:yf Pjd\ sfo{qmdx?sf] k|j4{gdf kl/rfng u/fOg]
5.
171. a}+s tyf ljQLo ;+:yfn] u|fxs;Fu lng] ;]jf z'Nsx?nfO{ yk Jojl:yt / kf/bzL{
agfpg jfl0fHo a}s + , ljsf; j}+s, ljQ sDkgL / n3' ljQ ljQLo ;+:yfn] shf{
:jLs[lt ubf{ ;]jf z'Ns jfkt qmdzM clwstd )=&% k|ltzt, !=)) k|ltzt, !=@%
k|ltzt / !=%) k|ltzt;Dd dfq lng kfpg] Joj:yf ul/g]5 .
172. a}+s tyf ljQLo ;+:yfx?sf] nflu cfjZos u|fxs klxrfg ljj/0f (Know Your
Customer) PsLs[t ?kdf pknAw u/fpg] Joj:yf ldnfOg] 5 .
173. sf]le8 !( sf] sf/0fn] ;fFjf jf Jofhsf] e'QmfgL Dofb yk u/]jfkt u|fxsaf6 Kf]gfn
Aofh, z'Ns jf xhf{gf lng gkfOg] Joj:yf ul/g]5 .
174. a}+s tyf ljQLo ;+:yfsf ATM sf] sf/f]af/ aLr cGt/cfj4tf x'g] Joj:yf ul/g]5 .
sf]le8 !( sf] c;/ /x];Ddsf] nflu Ps ;+:yfsf] ATM sf8{ csf]{ ;+:yfsf] ATM df
k|of]u u/]df z'Ns gnfUg] Joj:yf ldnfOg] 5 .
175. o; a}saf6 Ohfhtkq k|fKt a}+s tyf ljQLo ;+:yfx?n] ;+:yfut ;fdflhs
pQ/bfloTjdf ug]{ vr{ ;DaGwL gLltut Joj:yfdf k'g/fjnf]sg ul/g]5 . a}+s tyf
ljQLo ;+:yfx?sf] cfly{s jif{ @)&^÷&& sf] c;f/;Dd vr{ x'g afFsL /sd g]kfn
;/sf/n] :yfkgf u/]sf] sf]/f]gf ;+qmd0f /f]syfd, lgoGq0f / pkrf/ sf]ifdf hDdf ug'{
kg]{ Joj:yf ul/g]5 .
cGTodf,
176. df}lb|s gLltsf] sfof{Gjogaf6 ;dli6ut cfly{s tyf ljQLo :yfloTj sfod /fVb}
cy{tGqsf] k'g?Tyfgdf ;xof]u k'Ug] ljZjf; ul/Psf] 5 . sf]le8–!( n] cy{tGqdf
cgk]lIft r'gf}tL l;h{gf u/]sf] ePtfklg cfGtl/s pTkfbg a9fpFb} cfoft Joj:Yffkg
ug]{ / ljB'tLo e'QmfgL k|j4{g ug]{ cj;/ ;d]t k|fKt ePsf] 5 . ljQLo kx'Frsf]
clej[l4;Fu} ljQLo ;fwg pTkfbg clej[l4, /f]huf/L l;h{gf / pBdzLntf ljsf;df
k|f]T;flxt x'g] ljZjf; /x]sf] 5 .
177. g]kfn /fi6« a}+sn] q}dfl;s ?kdf df}lb|s gLltsf] ;dLIff ug]{ ePsf]n] cy{tGqsf]
;dli6ut l:ylt / kl/b[Zo cg'?k df}lb|s pks/0f / lgofdsLo Joj:yfx?df
;dfof]hg ub}{ df}lb|s gLltnfO{ ultzLn -dynamic_ agfOg] 5 .
178. k|:t't df}lb|s gLlt th'{dfsf] qmddf ;xof]u k'¥ofpg] g]kfn ;/sf/, a}+s tyf ljQLo
;+:yf, Jofj;flos ;+3–;+:yf, ljåt\ ju{, ;~rf/ dfWod nufot ;a}df g]kfn /fi6«
a}+s xflb{s wGojfb 1fkg ub{5 . df}lb|s gLltdf Joj:yf ePsf gLlt tyf
sfo{qmdx¿sf] sfof{Gjogdf ;bfem}+ ;a}sf] ;xof]u k|fKt x'g] o; a}+ssf] ljZjf; /x]sf]
5.
***
cg';"rL !
df}lb|s ;j]{If0fsf] k|If]k0f
-?= s/f]8df_
@)&% @)&^ @)&& @)&* jflif{s kl/jt{g
df}lb|s of]ufÍ c;f/ c;f/ c;f/ ;+ c;f/ k| @)&%÷&^ @)&^÷&& @)&&÷&*
/sd k|ltzt /sd k|ltzt /sd k|ltzt
1/ 2/
!= v'b j}b]lzs ;DklQ 105429.2 98478.3 122313.3 123313.3 -6740.0 -6.4 17500.0 17.8 1000.0 0.8
!=! j}b]lzs ;DklQ 113329.5 107352.7 135197.2 137651.0 -5976.9 -5.3 27844.6 25.9 2453.8 1.8
!=@ j}b]lzs bfloTj 7900.4 8874.3 12884.0 14337.7 974.0 12.3 4009.6 45.2 1453.8 11.3
s= ljb]zL d'b|f lgIf]k 7717.8 8449.0 11593.0 12917.7 731.2 9.5 3144.0 37.2 1324.7 11.4
v= cGo j}b]lzs bfloTj 182.5 425.3 1290.9 1420.0 242.8 133.0 865.6 203.5 129.1 10.0
1/ 2/
@= v'b cfGtl/s ;DklQ 204017.5 259735.5 293214.7 367009.7 55507.2 27.2 39814.2 15.3 73795.0 25.2
@=! s'n cfGtl/s shf{ 275589.3 333851.0 403122.5 489654.7 58261.7 21.1 69271.5 20.7 86532.2 21.5
s= ;/sf/nfO{ uPsf] v'b shf{ 27263.0 37554.6 60221.6 78729.0 10291.6 37.7 22667.0 60.4 18507.4 30.7
c= ;/sf/dflysf] bfjL 36212.8 44120.0 60221.6 78729.0 7907.1 21.8 16101.7 36.5 18507.4 30.7
cf= ;/sf/L lgIf]k 8949.8 6565.4 0.0 0.0 -2384.4 -26.6 -6565.4 -100.0 0.0
v= u}+/–ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 1003.4 969.3 979.0 1036.6 -34.1 -3.4 9.7 1.0 57.6 5.9
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 3044.4 4299.5 4374.0 4851.1 1255.1 41.2 74.5 1.7 477.0 10.9
c= ;/sf/L 382.7 160.7 152.5 157.2 -222.0 -58.0 -8.2 -5.1 4.7 3.1
cf= u}/–;/sf/L 2661.7 4138.8 4221.5 4693.8 1477.0 55.5 82.8 2.0 472.3 11.2
3= lghL If]qnfO{ uPsf] shf{ 244278.4 291027.6 337547.9 405038.1 46749.2 19.1 46520.3 16.0 67490.2 20.0
1/ 2/
@=@ v'b cdf}lb|s bfloTj 71571.8 74115.5 109907.8 122645.0 2754.5 3.8 29457.3 39.7 12737.2 11.6
#= lj:t[t d'b|f k|bfo -Pd@_ 309446.7 358213.8 415528.0 490323.0 48767.1 15.8 57314.2 16.0 74795.0 18.0
#=! d'b|f k|bfo -s±v_, Pd!± 187896.0 209375.8 230313.4 259549.6 21479.8 11.4 20937.6 10.0 29236.2 12.7
s= d'b|f k|bfo -Pd!_ 66939.5 72664.3 79930.7 91121.0 5724.8 8.6 7266.4 10.0 11190.3 14.0
d'b|f 41598.5 42320.4 48456.9 51848.9 721.9 1.7 6136.5 14.5 3392.0 7.0
rNtL lgIf]k 25341.0 30343.8 31473.8 39272.1 5002.9 19.7 1130.0 3.7 7798.3 24.8
v= art tyf sn lgIf]k 120956.5 136711.6 150382.7 168428.6 15755.0 13.0 13671.2 10.0 18045.9 12.0
#=@= cfjlws lgIf]k 121550.6 148837.9 185214.5 230773.4 27287.3 22.4 36376.6 24.4 45558.8 24.6
$= lj:t[t df}lb|s t/ntf -Pd#_ 317164.5 366662.8 427121.0 503240.7 49498.3 15.6 60458.2 16.5 76119.7 17.8
;+ – ;+zf]lwt cg'dfg
k| – k|If]lkt
1/ ljb]zL ljlgdo d"NofÍg gf]S;fg ?= @!)=* s/f]8 ;dfof]hg
2/ ljb]zL ljlgdo d"NofÍg gfkmf ?= ^##%=) s/f]8 ;dfof]hg
cg';"rL @
cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] nIo / k|ult ljj/0f
qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt
1. ^@ df}lb|s gLltsf] k|d'v nIosf] ?kdf /x]sf] d""No :yfloTj sfod ug{ cfly{s jif{ @)&^÷&& sf] !! dlxgfdf cf};t pkef]Qmf
pkef]Qmf d'b|f:kmLlt ^ k|ltztsf] ;Ldfleq /fVg] . d'b|f:kmLlt ^=# k|ltzt /x]sf] .
2. ^# cfly{s jif{ @)&^÷&& df sDtLdf & dlxgfsf] j:t' tyf ;]jf @)&& h]7 d;fGtdf ljb]zL ljlgdo ;l~rlt ?= !#)^
cfoft wfGg kof{Kt x'g] ljb]zL ljlgdo ;l~rlt sfod ug{] . ca{ $^ s/f]8 sfod /x]sf] . pQm ;l~rlt !!=&
dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt /x]sf] .
3. ^$ g]kfn ;/sf/sf] ah]6df plNnlvt *=% k|ltztsf] xf/fxf/Ldf k|fyldstf k|fKt If]qdf ;fwg kl/rfng a9]sf], a}+lsË
cfly{s j[l4 xfl;n ug{ ;xof]u k'Ug] u/L df}lb|s Joj:yfkg ul/g] . k|0ffnLdf t/ntf ;xh /x]sf] / shf{sf] Aofhb/ qmdzM
36\b} uPsf] .
4. ^% lj:t[t d'b|fk|bfosf] lj:tf/nfO{ !* k|ltztsf] ;Ldfleq sfod ug]{ . jflif{s ljGb'ut cfwf/df @)&& h]7 d;fGtdf lj:t[t
d'b|fk|bfo !&=% k|ltztn] j[l4 ePsf] .
5. ^% cfGtl/s shf{ lj:tf/ @$ k|ltztdf / lghL If]qtkm{sf] shf{ j[l4 jflif{s ljGb'ut cfwf/df @)&& h]7 d;fGtdf cfGtl/s
@! k|ltztdf ;Lldt ug]{ . shf{ !^=( k|ltztn] / df}lb|s If]qsf] lghL If]qdflysf]
bfaL !# k|ltztn] j[l4 ePsf] .
6. ^& df}lb|s Joj:yfkgsf] k|d'v pks/0fsf] ?kdf /x]sf] v'nf ahf/ sfofGjog eO/x]sf] .
sf/f]af/ ;+rfngsf nflu a}+s tyf ljQLo ;+:yfx?n] o; a}+sdf
/fVg'kg]{ clgjfo{ gub cg''kft afx]ssf] clws t/ntfnfO{ cg'udg
ub}{ a}+sx?sf] cGt/ a}+s sf/f]af/ b/nfO{ ;~rfng nIosf] ?kdf
lnOg] .
7. ^( Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf :yfoL t/ntf ;'ljwf b/ ldlt @)&^÷)%÷!* df sl/8f]/ ;DaGwL sfo{ljlw
^ k|ltzt, gLltut b/sf] ?kdf l/kf] b/nfO{ $=% k|ltzt / tNnf] ;+zf]wg eO{ nfu"" ul/Psf] .
;Ldfsf] lgIf]k ;+sng b/nfO{ # k|ltzt sfod ul/Psf] .
8. ^( Aofhb/ sl/8f]/ cGtu{tsf] l/kf] ;'ljwf Overnight cfwf/df tyf ldlt @)&^÷)%÷!* df Aofhb/ sl/8f]/ ;DaGwL
lgIf]k ;+sng ;'ljwf Ps xKtfsf nflu k|bfg ug]{ Joj:yf ldnfOg] . sfo{ljlw ;+zf]wg eO{ nfu"" ul/Psf] .
9. &@ clGtd C0fbftf ;'ljwf b/sf] ?kdf /x]sf] a}+sb/nfO{ ^=% @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf] .
k|ltztaf6 ^ k|ltzt sfod ul/g] .

10. &# o; a}+sn] k|bfg ug]{] ;fwf/0f k'g/shf{ b/nfO{ $ k|ltztaf6 # @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf] .
k|ltzt sfod ul/g] .
11. &$ a}+s tyf ljQLo ;+:yfx?n] ;fwf/0f k'g/shf{ pkof]u ug]{ C0fLaf6 @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf] .
a9Ldf & k|ltzt;Dd Aofh lng kfpg] Joj:yf ul/g] .
12. &% o; a}+sn]] ;fgf tyf demf}nf pBdsf nflu c;n shf{sf] lwtf] @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf] .
;'/If0fdf k|bfg ub}{ cfPsf] ? !) nfv;Ddsf] k'g/shf{sf] ljBdfg
b/nfO{ % k|ltztaf6 36fO{ # k|ltzt sfod ul/g]5 eg] a}+s tyf
ljQLo ;+:yfx?n] C0fLaf6 lng;Sg] ljBdfg Aofhb/nfO{ !)
k|ltztaf6 36fO{ & k|ltzt sfod ul/g] .
13. &* a}+s tyf ljQLo ;+:yfx?n] ljb]zaf6 C0f k|fKt ug{;Sg] ;|f]tsf] @)&^÷)%÷@# df lgb]{zg hf/L ul/Psf]] .
bfo/f lj:tf/ ub}{ a}+lsË If]qsf cltl/Qm k]G;g kmG8, x]h kmG8
nufotsf ;|f]taf6 ;d]t C0f Nofpg ;Sg] Joj:yf ul/g] . o;/L
k|fKt ;|f]tsf] pkof]usf If]qx? ;d]t lj:tf/ ul/g] .
14. &( a}+s tyf ljQLo ;+:yfx?n] kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg] @)&^÷)%÷@# df lgb]{zg hf/L ul/Psf]] .
ljBdfg Joj:yf cGtu{t C0fsf] Aofhb/ ^ dlxgfsf] LIBOR b/df
yk # k|ltztleq x'g'kg]{ k|fjwfg /x]sf]df o:tf] Aofhb/ LIBOR
b/df yk $ k|ltztleq x'g;Sg]] Joj:yf ul/g] .
15. *) a}+s tyf ljQLo ;+:yfx?n] ;+:yfut ljb]zL lgIf]kstf{ tyf u}/– @)&^÷)%÷!# df lgb]{zg hf/L ul/Psf]] .
cfjf;Lo g]kfnLx?af6 slDtdf klg @ jif{ cjlw ePsf] ljb]zL d'b|f
d'2tL lgIf]k ;+sng ug{ ;Sg] / o:tf] lgIf]ksf] ztk|ltzt;Dd
g]kfnL d'b|fdf shf{ k|jfx ug{ kfpg] Joj:yf ul/g] .
16. *! a}+s tyf ljQLo ;+:yfx?n] :jb]zL d'b|fdf lgIf]k ;+sng ubf{ Ps @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . @)&& h]7
;+:yfaf6 ;+slnt lgIf]k cfˆgf] s'n :jb]zL d'b|f lgIf]ksf] clwstd d;fGtdf a}+s tyf ljQLo ;+:yfsf] s'n lgIf]kdf ;+:yfut
!) k|ltzt sfod ug'{kg]{ Joj:yf ul/g] . s'n :jb]zL d'b|f lgIf]kdf lgIf]ksf] c+z $% k|ltzt /x]sf] .
;+:yfut lgIf]ksf] c+z %) k|ltzt;Dd x'g;Sg] ljBdfg Joj:yfnfO{
oyfjt\ /flvPsf] .
17. *@ jfl0fHo a}+sx?n] @)&& c;f/ d;fGtleq cfˆgf] r'Qmf k'FhLsf] @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . cfly{s jif{
Go"gtd @% k|ltzt a/fa/ clgjfo{ ?kdf C0f kq hf/L ug'{kg]{ @)&^÷&& df !@ jfl0fHo a}+saf6 C0fkqdfkm{t ?= @^
Joj:yf ul/g] . ca{ ( s/f]8sf] ;fwg kl/rfng ePsf] .

18. *# a}+sx?n] hf/L u/]sf] C0fkqsf] ztk|ltzt /sd shf{ k|jfxsf nflu @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
pkof]u ug{ ;Sg] Joj:yf ul/g] .
19. *$ g]kfnL gful/s;Fu /x]sf] ;'g a}+sdf lgIf]ksf] ?kdf hDdf ug{ ;Sg] a}+sdf ;'g lgIf]k /fVg kfpg] ;DaGwdf sfo{ljlw tyf/
ljifodf gLltut Joj:yf ul/g] . u/L ldlt @)&^÷!!÷@@ ut] lgb]{zg hf/L eO;s]sf] .
20. *% JolQmut k|s[ltsf shf{, 3/ shf{ tyf xfo/ kr]{h shf{ nufotsf ldlt @)&^÷)(÷)* df lgb]{zg hf/L ul/Psf] / o;
ls:tf e'QmfgLdf cfwfl/t u}/–Jofj;flos shf{ k|jfx ubf{ C0f ;DaGwL Joj:yfdf lgoldt cg'udg eO/x]sf] .
e'QmfgL cfDbfgL cg'kft (Debt Service to Gross Income Ratio-
DTI) sf] clwstd ;Ldf sfod ul/g] .
21. *^ a}+s tyf ljQLo ;+:yfn] 5'§f 5'§} jf Psd'i6 u/L ?= ! s/f]8 jf ;f] @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
eGbf a9L shf{ k|jfx ubf{ clgjfo{ ?kdf :yfoL n]vf gDa/ (PAN)
lng'kg]{ Joj:yf /x]sf]df o:tf] ;Ldf ? %) nfv sfod ul/g] .
22. *( k"jf{wf/ ljsf; a}+sn] kl/of]hgf 5gf}6 ubf{ ug'{kg]{ nufgLsf] Go"gtd @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
;Ldf ?= #) s/f]8 sfod ul/g] .
23. () tf]lsPsf k|fyldstf k|fKt If]qx?df ;x''lnotk""0f{ shf{ pknAw xf];\ ldlt @)&^÷)(÷@( df sfo{ljlw hf/L ul/Psf] .
eGg] p2]Zon] o; a}+sn] :yfkgf u/]sf] k''g/shf{ sf]ifsf] ;~rfng
sfo{ljlw hf/L ul/g] .
24. (! o; a}+sn] k|bfg ug]{ k'g/shf{ ;'ljwfsf] pkof]udf k|fb]lzs ;Gt'ng k'g/shf{ sfo{ljlwdf pQm Joj:yf ;dfj]z ul/Psf] .
sfod ug{ o; a}+ssf k|b]z l:yt sfof{nox?n] k'g/shf{sf] lgj]bg
;+sng u/L cfjZos ;dGjo / l;kmfl/z ug]{ Joj:yf ldnfOg] 5 .
25. (! k'g/shf{ ;'ljwf k|fKt ug]{ C0fLsf] gfdfjnL ;fj{hlgs ug]{ Joj:yf cfly{s jif{ @)&^÷&& df k'g/shf{ ;'ljwf k|fKt ug]{
ul/g] . C0fLsf] gfdfjnL o; a}+ssf] j]a;fO6df ;fj{hlgs
ul/Psf] .
26. (@ cf}Bf]lus Joj;fo P]g, @)&# df pNn]v ePsf clt cljsl;t / @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
cljsl;t If]qsf tf]lsPsf pTkfbgd"ns pBf]usf nflu ;fwf/0f
k'g/shf{ pknJw u/fpg] Joj:yf ul/g] .
27. (# æ;x'lnotk"0f{ shf{df k|bfg ul/g] Aofh cg'bfg ;DaGwL sfo{ljlw, sfo{ljlw kl/dfh{g ul/g'sf ;fy} cg'kfngf l:yltsf]
@)&%Æ adf]lhd k|jfx ul/g] shf{nfO{ k|efjsf/L agfOg] . lgoldt cg'udg eO/x]sf] .

28. ($ a}+s tyf ljQLo ;+:yfx?n] C0fLaf6 ;x'lnotk"0f{ shf{sf] Aofh lgoldt cg'udgdfkm{t pQm Joj:yf k|efjsf/L
c;'npk/ ubf{ C0fLn] kfpg] Aofh cg'bfg 36fP/ dfq c;'npk/ agfOPsf] .
ug'{kg]{ Joj:yfnfO{ k|efjsf/L agfOg] .
29. (^ cGt/ a}+s ;fk6L /sdnfO{ shf{÷;|f]t kl/rfng cg'kft u0fgf ug]{ @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
k|of]hgdf ;dfj]z ug{] Joj:yfnfO{ k'g/fjnf]sg ul/g]
30. (& ljQLo If]q ljsf; /0fgLltn] shf{ / lgIf]ksf] Aofhb/ aLrsf] cGt/ @)&^÷)$÷@@ df lgb]{zg hf/L ePsf] . @)&& h]7
cfly{s jif{ @)&&÷&* ;Dd $=$ k|ltzt eGbf sd ePsf] x'g'kg]{ d;fGtdf jfl0fHo a}+sx?sf] shf{ / lgIf]ksf] efl/t
Joj:yf u/]sf] ;Gbe{df jfl0fHo a}+sx?n] shf{ / lgIf]ksf] efl/t cf};t Aofhb/ cGt/ $=@^ k|ltzt sfod ePsf] .
cf};t Aofhb/ cGt/ @)&& c;f/ d;fGt;Dd $=$ k|ltztdf
NofO;Sg'kg]{ Joj:yf ul/g] .
31. (* ?= !% nfv;Ddsf] s[lif, pBd tyf Joj;fo k|j4{g shf{ k|jfx ubf{ @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] ;fy} o;sf]
a}+s tyf ljQLo ;+:yfn] cfwf/ b/df @ k|ltzt;Dddfq yk u/L lg/Gt/ cg'udg eO/x]sf] .
C0fsf] Aofh tf]Sg kfpg], s'g} k|sf/sf] ;]jf z'Ns lng gkfpg] /
;do cufj} shf{ e'QmfgL u/]df clu|d e'QmfgL z'Ns lng gkfOg]
Joj:yf ul/g] .
32. (* a}+s tyf ljQLo ;+:yfsf k|To]s zfvfn] ?= !% nfv;Ddsf] s[lif, @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] ;fy} o;
pBd tyf Joj;fo shf{ lgj]bg k|fKt ePsf] ;ft lbg leq :jLs[t Joj:yfsf] lg/Gt/ cg'udg eO/x]sf] .
ug'{kg]{ / :jLs[t x'g g;Sg] ePdf ;f]sf] k|i6 sf/0f ;d]t ;DalGwt
u|fxsnfO{ hfgsf/L lbg'kg]{ Joj:yf ul/g] .
33. !)@ jfl0fHo a}+sx? Ps cfk;df ufEg]÷ufleg] jf k|flKt k|lqmofdf ;+nUg ldlt @)&^÷)$÷@@ / ldlt @)&^÷)(÷)* df lgb]{zg
eO{ @)&& c;f/ d;fGtleq PsLs[t sf/f]af/ ;+rfng u/]df ljBdfg hf/L ul/Psf] .
Joj:yf cg';f/ pknAw x'g] ;x'lnotsf cltl/Qm b]xfo adf]lhdsf cfly{s jif{ @)&^÷&& df @ jfl0fHo a}s
+ x? dh{/
yk ;x'lnot k|bfg ug]{ Joj:yf ul/g] . k|lqmofdf ;+nUg ePsf] .
-s_ s[lif, phf{ / ko{6g If]qdf tf]lsPsf] shf{ k'¥ofpg' kg]{ cjlw
@)&* c;f/ d;fGt sfod ul/g] .
-v_ shf{ / lgIf]kaLrsf] Aofhb/ cGt/ $=$ k|ltzt sfod ug'{kg]{
cjlw @)&* c;f/ d;fGt sfod ul/g] .
-u_ zfvf lj:tf/ ug{ o; a}+ssf] :jLs[lt lng' gkg]{ .

-3_ ;+rfns ;ldltsf ;b:o, k|d'v sfo{sf/L clws[t tyf gfoj
k|d'v sfo{sf/L clws[t kbaf6 x6]sf] slDtdf ^ dlxgf JotLt
geO{ o; a}+saf6 Ohfhtkq k|fKt cGo ;+:yfdf ;+rfns jf
cGo s'g} klg x}l;otdf sfd ug{ gkfpg] ljBdfg k|fjwfg
nfu' gx'g] .
-ª_ r'Qmf k'FhLsf] @% k|ltzt a/fa/ C0fkq hf/L ul/;Sg' kg]{
cjlw @)&* c;f/ d;fGt sfod ul/g] .
34. !)# Ps eGbf a9L a}+s tyf ljQLo ;+:yfdf lglZrt k|ltzt eGbf a9L cWoog eO/x]sf] .
;]o/ :jfldTj x'g] ;]o/wgLx? ePsf a}+s tyf ljQLo ;+:yfnfO{
ufEg]÷ufleg] / k|flKtdf k|fyldstfdf /fvL dh{/df n}hfg] ;DaGwdf
cfjZos Joj:Yff ldnfOg] .
35. !)$ k|0ffnLut?kdf dxTjk"0f{ a}+s (Systemically Important Bank) sf] cWoog eO/x]sf] .
lgodg tyf ;'kl/j]If0fsf nflu 5'§} Joj:yf ul/g] .
36. !)% lnlhË ;DaGwL sfg"g th'{df k|lqmof cufl8 a9fOg] . lnlhË kmfOgfG; ;DaGwL sfg"gsf] d:of}bf tof/ eO{
5nkmnsf] qmddf /x]sf] .
37. !)^ ljQLo ;]jfsf u|fxssf] lxt ;+/If0fsf] nflu ljQLo u|fxs ;+/If0f d:of}bf tof/ eO{ :jLs[ltsf] qmddf /x]sf] .
;DaGwL sfo{ljlw tof/ ul/g] .
38. !)^ lgIf]kstf{ / C0fLsf] u'gf;f] Joj:yfkg ub}{ ljQLo If]qk|lt o; a}+sdf /x]sf] u'gf;f] ;'g'jfO{ OsfO{nfO{ ljQLo u|fxs
;j{;fwf/0fsf] ljZjf; clej[l4 ug{ o; a}+sdf ljQLo u|fxs ;+/If0f ;+/If0f OsfO{sf] ?kdf ?kfGt/0f ul/Psf] .
OsfO{ (Financial Consumer Protection Unit) :yfkgf ul/g] .
39. !)& :yfgLo txsf ;a} ^&$# j8f;Dd g} ljQLo ;]jfsf] kxF'r k'¥ofpg @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . @)&^ c;f/
a}+s zfvf gePsf j8fx?df zfvf /lxt a}+s vf]Ng o; a}+ssf] d;fGtdf zfvf/lxt a}+lsË s]Gb| ;+Vof !%#) /x]sf]df
:jLs[lt lng' gkg]{ Joj:yf ul/g] . @)&& h]7 d;fGtdf !^#@ k'u]sf] .
40. !)* a}+s tyf ljQLo ;+:yfn] u|fxsnfO{ k|bfg ug]{ ;]jf ;DaGwL hfgsf/L @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
Audio Notice Board af6 ;d]t lgMz'Ns ?kdf pknAw u/fpg' kg]{
Joj:yf ul/g] .
41. !)( a}+s tyf ljQLo ;+:yfx?sf a]j;fO6dfkm{t ;fj{hlgs x'g] ;fdu|Lx? @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
g]kfnL efiffdf ;d]t /fVg'kg]{ Joj:yf ul/g] .

42. !!) ;DklQ z'4Ls/0f Pjd\ cftÍjfbL lqmofsnfkdf ljQLo nufgL @)&^÷)(÷)* df lgb]{zg hf/L ul/Psf] .
lgoGq0fsf nflu goAML System sf] k|efjsfl/tf clej[l4 ug{ ljsf;
a}+s tyf ljQ sDkgLx?n] ;d]t sf]/–a}+lsË ;ˆ6j]o/af6 ;f]e}m goAML
Software df ljj/0fx? cknf]8 ug'{kg]{ Joj:yf ul/g] .
43. !!! shf{ ;"rgfsf] u'0f:t/ ;'wf/sf nflu a}+s tyf ljQLo ;+:yfx?n] :ynut lg/LIf0fsf] qmddf lgoldt cg'udg eO/x]sf] .
shf{ ;"rgf s]Gb|df pknAw u/fpg' kg]{ shf{ ;DaGwL ljj/0fsf]
lgoldt cg'udg ug]{ Joj:yf ul/g] .
44. !!@ jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLn] ;d]t n3'ljQ ;DaGwL @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
sf/f]af/ u/]sf] eP To:tf] sf/f]af/sf] 5'§} ;"rgf shf{ ;"rgf s]Gb|nfO{
lbg'kg]{ Joj:yf ul/g] .
45. !!# a}+s tyf ljQLo ;+:yfx?n] cfˆgf sd{rf/Lx?sf] bIftf clej[l4sf sfof{Gjogdf /x]sf] .
nflu tf]lsPsf] vr{ /sd ;f]xL k|of]hgdf vr{ ug'{kg]{ Joj:yfnfO{
lg/Gt/tf lb+b} sd{rf/Lx?nfO{ clgjfo{ ?kdf k|df0fLs[t kf7\oqmddf
cfwfl/t cled'vLs/0f ;DaGwL k|df0fkq lng'kg]{] Joj:yf ul/g] .
46. !!$ a}+s tyf ljQLo ;+:yfn] sfod ug'{ kg]{ shf{ ;|f]t cg'kftsf] Kf|efjsf/L ?kdf cg'udg eO/x]sf] / pNn+3g ug]{
cg'udgnfO{ k|efjsf/L agfpFb} tf]lsPsf] cg'kft pNn+3g ug]{ a}+s ;+:yfnfO{ sf/afxL ug]{ ul/Psf] .
tyf ljQLo ;+:yfnfO{ sf/afxL ug]{ Joj:Yff ul/g] .
47. !!% ;dli6ut ljj]szLn lgodgsf] ?kdf Countercyclical Buffer @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . sf]le8–!( sf]
;DaGwL Joj:yfsf] k|efjsf/L sfof{Gjog ul/g] . sf/0f @)&^÷!@÷!^ af6 of] Joj:yf :ylut ul/Psf] .
48. !!% Liquidity Coverage Ratio/Net Stable Funding Ratio ;DaGwL cWoog eO/x]sf] .
dfkb08 hf/L ul/g] .
49. !!^ g]kfnsf a}+s tyf ljQLo ;+:yfsf] ljb]zdf zfvf vf]Ng gLltut o; ;DaGwL gLltut Joj:yf /x]sf] .
Joj:yf ul/g] .
50. !!^ ljb]zL a}+ssf] g]kfndf k|ltlglw÷zfvf sfof{no :yfkgf ug]{ gLltut k'g/fjnf]sgsf] sfo{ cl3 a9fOPsf] .
Joj:yfdf k'g/fjnf]sg ul/g] .
51. !!& ljsf; a}+s tyf ljQ sDkgLx?df Basel II k"0f{?kdf nfu" ul/g] . @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
52. !!& ljsf; a}+s tyf ljQ sDkgLx?df Stress Testing ug]{ Joj:yf @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
ldnfOg] .

53. !!* jfl0fHo a}+sx?n] k|To]s cfly{s jif{sf nflu lgIf]k bfloTj tyf shf{ @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] ;fy} o;sf]
;fk6 ;lxtsf] jflif{s sfo{of]hgf ;+rfns ;ldltaf6 :jLs[t u/fO{ cg'udg eO/x]sf] .
o; a}+sdf k]z ug'{kg]{ Joj:yf /x]sf]df o:tf] sfo{of]hgfsf] ;+rfns
;ldltn] q}dfl;s ?kdf ;dLIff u/L o; a}+sdf k]z ug'{kg]{
Joj:yfnfO{ k|efjsf/L agfOg] .
54. !!( k"jf{wf/ ljsf; a}+sn] ;d]t cfˆgf] jflif{s sfo{of]hgf k|To]s cfly{s @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
jif{sf] ;fpg d;fGtleq o; a}+sdf k]z ug'{kg]{ Joj:yf ul/g] .
55. !@) a}+s tyf ljQLo ;+:yfx?sf] ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf vr{ ug]{ Joj:yf sfof{Gjogdf /x]sf] .
hDdf ePsf] /sdsf] Go"gtd !) k|ltzt k|To]s k|b]zdf vr{ ug'{kg]{
Joj:yfnfO{ lg/Gt/tf lb+b} pQm sf]ifaf6 x'g] vr{nfO{ yk Jojl:yt /
kf/bzL{ agfOg] .
56. !@! a}+s tyf ljQLo ;+:yfn] shf{ k|jfxsf qmddf C0fL :jod\n] 5gf}6 @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
u/]sf] aLdf sDkgLaf6 dfq shf{sf] ;'/If0f :j?k /flvPsf] ;DklQsf]
aLdf u/fpg' kg]{ / shf{;Fu k|ToIf ?kn] ;DalGwt aLdf kf]ln;L
afx]s cGo s'g} klg k|sf/sf] aLdf kf]ln;L laqmL ug{ gkfpg]
Joj:yf ul/g] .
57. !@@ n3'ljQ ljQLo ;+:yfx?n] dxfgu/kflnsf, pk–dxfgu/kflnsf / @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .
lhNnf ;b/d'sfd afx]s gu/kflnsf / ufpFkflnsf If]qdf Ps zfvf
:Yffkgf u/]kZrft\ dfq pkdxfgu/kflnsf jf lhNnf ;b/d'sfddf
Ps zfvf :Yffkgf ug{ ;lsg] Joj:yf ldnfOg] .
58. !@# n3'ljQ ljQLo ;+:yfx?n] clgjfo{ ?kdf Ps ltxfO shf{ s[lif If]qdf @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . @)&^ r}t
k|jfx ug'{kg]{ Joj:yf ldnfOg] . d;fGtdf n3'ljQ ljQLo ;+:yfaf6 s[lif If]qdf cfˆgf]
s'n shf{sf] $!=& k|ltzt k|jfx ePsf]] .
59. !@$ n3'ljQ ljQLo ;+:yfsf nflu Stress Testing ;DaGwL dfu{bz{g hf/L dfu{bz{g th'{dfsf] qmddf /x]sf] .
ul/g] .
60. !@% Ps cfk;df ufEg]÷ufleg] jf k|flKt x'g] n3'ljQ ljQLo ;+:yfx?nfO{ @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . cfly{s jif{
b]xfo adf]lhdsf yk ;x'lnot k|bfg ug]{ Joj:yf ldnfOg] M @)&^ ÷&& df !( n3'ljQ ljQLo ;+:yf ufEg]÷ufleg] jf
-s_ Psn u|fxs shf{ ;Ldf gf3]sf] C0fLsf] shf{nfO{ ;Ldf leq k|flKt x'g] k|lqmofdf ;fd]n eO{ * ;+:yf sfod ePsf .
Nofpg ;do yk ug]{,

-v_ Tff]lsPsf] k'FhL sf]if cg'kft k'¥ofpg' kg]{ ;do yk ug]{,
-u_ ;~rfns ;ldltsf ;b:o / k|d'v sfo{sf/L clws[t kbaf6
x6]sf] slDtdf ^ dlxgf JotLt geO{ o; a}+saf6 Ohfhtkq
k|fKt cGo ;+:yfdf ;+rfns jf cGo s'g} klg x}l;otdf sfd
ug{ gkfpg] ljBdfg k|fjwfg nfu' gx'g],
-3_ :jLsf/ of]Uo lwtf] lnO{ ;d"xdf cfj4 ePsf tyf gePsf
ufpFkflnsf If]qdf a;f]af; ug]{ JolQmx?nfO{ n3'ljQ ljQLo
;+:yfx?af6 n3'pBd ;~rfng ug{ k|bfg ul/g] shf{sf] ;Ldf
?= !) nfvaf6 ?= !% nfv k'¥ofOg],
-ª_ cfˆgf sd{rf/Lx?sf] tna, eQf tyf ;'ljwfnfO{ lgIf]ksf] ?kdf
:jLsf/ u/L ;|f]t kl/rfng ug{;Sg] .
61. !@^ Ps eGbf a9L n3'ljQ ljQLo ;+:yfdf lglZrt k|ltzt eGbf a9L pko'{Qm Joj:yfsf ;DaGwdf cWoog eO/x]sf] .
;]o/ :jfldTj x'g] ;]o/wgLx? ePsf] ;+:yfnfO{ ufEg]÷ufleg] /
k|flKtdf k|fyldstfdf /fvL dh{/df n}hfg] ;DaGwdf cfjZos
Joj:Yff ldnfOg] .
62. !@& Digitization / FinTech sf] pkof]u a9fO{ ljB'tLo dfWodaf6 ul/g] ljB'tLo dfWodaf6 ul/g] e'QmfgL ;DaGwL sf/f]af/nfO{
e'QmfgLnfO{ clej[l4 ub}{ gub sf/f]af/nfO{ qmdzM 36fpFb} n}hfg] clej[l4 ug]{ p2]Zon] o; ljefuaf6 xfn;Dd ( j6f e'QmfgL
gLlt cjnDag ul/g] . k|0ffnL ;~rfns / !$ j6f e'QmfgL ;]jf k|bfos ;+:yfx?nfO{
cg'dlt kq k|bfg ul/Psf] . ;fy}, @& jfl0fHo a}+s, !(
ljsf; a}+s / & ljQ sDkgLn]] ;d]t e'QmfgL ;]jf k|bfossf]
?kdf /xL sf/f]af/ ug{ ;Sg] u/L Ohfhtkq k|bfg ul/Psf] .
ljB'tLo e'QmfgL sf/f]af/sf] ;Ldf j[l4 ul/Psf] .
63. !@* e'QmfgL k|0ffnLsf] cfw'lgsLs/0fsf nflu k"jf{wf/x?sf] ljsf; ub}{ @)&^÷)%÷@( af6 jf:tljs ;dosf] e'QmfgL k|0ffnL
;a} cfly{s sf/f]af/ ljB'tLo dfWodaf6 ug{ k|f]T;fxg ul/g] . (RTGS) ;~rfngdf cfPsf] . cfly{s sf/f]af/nfO{
ljB'tLo dfWodaf6 ug{ k|f]T;fxg ug{ Connect IPS,
df]afOn a}lsË, OG6/g]6 a}lsË, QR Code nufotsf
ljB'tLo e'QmfgLsf pks/0fx?sf] dfWodaf6 sf/f]af/
k|f]T;flxt ul/Psf] .

64. !@( rfn' cfly{s jif{ @)&^÷&& leq jf:tljs ;dosf] e'QmfgL k|0ffnL ldlt @)&^÷)%÷@( af6 jf:tljs ;dosf] e'QmfgL
(RTGS) ;~rfngdf NofOg] . k|0ffnL (RTGS) cf}krfl/s ?kdf ;~rfngdf NofOPsf] .
65. !@( /fli6«o e'QmfgL åf/÷:jLrsf] ljsf;dfkm{t ljB'tLo e'QmfgL /fli6«o e'QmfgL åf/÷:jLr lgdf{0fsf] sfo{ cufl8 a9]sf] .
sf/f]af/sf] cGt/cfj4tf (Interoperability) ;'lglZrt u/L e'QmfgL
sf/f]af/sf] /fkm;fkm :jb]zd} x'g] Joj:yf ul/g] .
66. !#) df]afOn / OG6/g]6dfkm{t e'QmfgL ;]jf lj:tf/ u/L b'u{d :yfgx?df ljB'tLo e'QmfgL sf/f]af/ k|f]T;fxg u/L ljQLo kxF'r
ljQLo kx'Fr k'¥ofpg e'QmfgL ;]jf k|bfos ;+:yfx?nfO{ k|f]T;fxg clej[l4 ug{ e'QmfgL k|0ffnL ;~rfns / e'QmfgL ;]jf
ul/g] . k|bfosnfO{ cg'dltkq k|bfg ug]{ sfo{ hf/L /x]sf] .
67. !#! Point of Sale (POS) d]l;gdfkm{t sf/f]af/ ubf{ u|fxs;Fu cltl/Qm ldlt @)&^÷)(÷!& df lgb]{zg hf/L ePsf] .
z'Ns lng gkfOg] Joj:yf ul/g] .
68. !#@ sf8{dfkm{t g]kfnL d'b|fdf ul/g] e'QmfgL tyf km5\of{}6 sf/f]af/nfO{ Union Pay International / Smartchoice Technology
j[l4 ug{] p2]Zon] Co-Brand Card/National Card lgisfzg ug]{ sf] ;xsfo{df Co-Brand Card hf/L eO;s]sf] .
;DaGwdf cfjZos Joj:yf ldnfOg] .
69. !## e'QmfgL ;DaGwL sfo{ ug]{ ;+:yfx?n] ljB'tLo dfWodaf6 x'g] @)&^÷)%÷!( df lgb]{zg hf/L ul/Psf] .
sf/f]af/sf] cgnfOg l/kf]l6{Ë ug]{ Joj:yf ldnfOg] .
70. !#$ a}+s tyf ljQLo ;+:yfdf gub hDdf ug{ Cash Deposit Machine sfof{Gjogsf] nflu 5nkmnsf] qmddf /x]sf] .
(CDM) /fVg' kg]{ Joj:yf ldnfOg] .
71. !#% g]kfn ;/sf/sf] ah]6df pNn]v eP cg';f/ j:t' tyf ;]jfsf] d"No @)&^ df3 @* b]lv sfof{Gjogdf cfPsf] .
sf8{ jf ljB'tLo dfWodaf6 e'QmfgL ubf{ aLhsdf pNn]lvt d"No
clej[l4 s/sf] !) k|ltzt /sd e'QmfgLstf{sf] a}+s vftfdf ;f]em}
hDdf x'g] Joj:yfsf nflu ;dGjo ul/g] .
72. !#^ x]lhË ;DaGwL lgodfjnL, @)&% sf] k|efjsf/L sfof{Gjogsf] nflu x]lhË ;DaGwL lgodfjnL, @)&% g]kfn ;/sf/af6
x]lhË ;DaGwL sfo{ljlw th'{df ul/g] . :jLs[t eO{ cfPsf] / pQm lgodfjnL cg'?k sfo{ljlw
th'{df ug]{ sfo{ cufl8 a9]sf] .
73. !#& ;ˆ6j]o/ v/Lb jf dd{t u/L e'QmfgL k7fpg] /sdsf] ;6xL cg'dlt ;ˆ6j]o/ vl/b jf dd{t u/L e'QmfgL k7fpg] /sdsf]
k|bfg ubf{ ;DalGwt lgofds lgsfosf] l;kmfl/z cfjZos x'g] ;6xL cg'dlt ;DaGwdf lgofds lgsfo ;~rf/ tyf
Joj:yf ul/g] . ;"rgf k|ljlw dGqfno;Fu ;dGjo eO/x]sf]] .

74. !#* ;fdflhs ;~hfn tyf cgnfOgdfkm{t x'g] lj1fkgjfkt ljb]zL @)&^÷!)÷!& ut] ;j{;fwf/0fsf] hfgsf/Lsf] nflu nflu
d'b|fdf x'g] e'QmfgL tyf k|flKtsf] Joj:yfkg ug{ cfjZos gLlt ;"rgf hf/L ul/Psf] . ;fdflhs ;~hfn tyf cgnfOg
th'{df u/L sfof{Gjog ul/g] . dfkm{t lj1fkg ubf{ cgf}krfl/s dfWodaf6 x'g] ljb]zL
d'b|f e'QmfgL tyf To:tf dfWodaf6 x'g] ljb]zL d'b|f
k|flKtnfO{ cf}krfl/s dfWoddf Nofpg gLltut Joj:yf
ug]{ sfo{ k|lqmofdf /x]sf] .
75. !#( ljk|]if0f cfk|jfxnfO{ /fli6«o k|fyldstfsf If]qdf kl/rfng ug{ tyf j}b]lzs /f]huf/ artkqsf] laqmL jif}{el/ ug{ z'?
cf}krfl/s dfWodsf] k|of]unfO{ a9fjf lbg j}b]lzs /f]huf/ artkq tyf ul/Psf] .
gful/s artkqsf] laqmL jif}{e/L v'nf ug{ cfjZos ;dGjo ul/g] .
76. !$) ljb]zL nufgL cfk|jfxnfO{ yk k|f]T;fxg ug{ Psn ljGb' ;]jf s]Gb|df cfjZos ;+Vofdf sd{rf/L yk u/L OsfO{nfO{ yk
/x]sf] o; a}+ssf] ljb]zL ljlgdo OsfO{nfO{ k|efjsf/L agfpFb} ljb]zL k|efjsf/L agfpFb} nluPsf] .
nufgL leq\ofpg] / lkmtf{ n}hfg] k|lqmofnfO{ ;/nLs/0f ul/g] .
77. !$! j}b]lzs nufgL leq\ofpg o; a}+ssf] :jLs[ltsf nflu k|fKt ePsf j}b]lzs nufgL leœofpg ljb]zL ljlgdo ;xhLs/0f PsfO{,
lgj]bg pk/ oyfzL3| cfjZos lg0f{o ul/;Sg] Joj:yf ldnfOg] . Psn ljGb' ;]jf s]Gb|df cjZos ;Dk"0f{ sfuhft ;lxt k|fKt
x'g] lgj]bg pk/ oyflz3| sf/afxL ug]{ ul/Psf] .
78. !$@ ljb]zL d'b|f sf/f]af/ ug]{ Ohfhtkq k|fKt ;+:yfx?sf] cg'udg tyf Ohfhtkq tyf lg/LIf0f ljlgodfjnL, @)^& df ;+zf]wg
lg/LIf0f sfo{sf nflu ljz]if Joj:Yff ul/g] . k|lqmof :jLs[ltsf] clGtd r/0fdf /x]sf] .
@)&& h]7 d;fGt;Dd ^ a}+s tyf ljQLo ;+:yf, !@%
ljk|]if0f / dlgr]~h/ sDkgL / %@ xf]6n, 6«feN;, 6«]lsË,
sfuf]{, Po/nfOG; tyf cGo u/L hDdf !*# ;+:yfsf]
cg'udg÷lg/LIf0f ;DkGg ul/Psf] .
79. !$# cWoog, ;fd"lxs e|d0f nufotdf x'g] ljb]zL ljlgdo vr{nfO{ @)&^÷)*÷)% df kl/kq hf/L ul/Psf] .
lgodg ug{ cfjZos gLltut Joj:Yff ul/g] .
80. !$$ g]kfn e|d0f jif{ @)@) nfO{ dWogh/ ub}{ k|d'v ko{6sLo :ynx?df a}+s tyf ljQLo ;+:yfn] sfp06/÷zfvf :yfkgf u/L
a}+s tyf ljQLo ;+:yfx?n] 5'§} sfp06/ vf]nL ljb]zL d'b|f ;6xL ljb]zL d'b|f ;6xLsf] cg'dlt dfu ePdf ;xdlt lbg]
;'ljwf k|bfg ug{ ;Sg] Joj:yf ldnfOg] . Joj:yf /x]sf] .

81. !$% ljb]zL ljlgdo sf/f]af/nfO{ k|efjsf/L 9+un] cg'udg u/L cf}krfl/s o; a}+saf6 Ohfhtkqk|fKt ;+:yfx?sf] lg/Gt/ cg'udg
dfWod aflx/ x'g] ljk|]if0f nufotsf sf/f]af/nfO{ a}+lsË k|0ffnLsf] eO/x]sf] .
bfo/fdf Nofpg] Joj:yf ul/g] . o; sfo{sf] nflu 8]k'6L ueg{/sf] ;+of]hsTjdf
pRr:t/Lo ;+oGq u7g ePsf] .
cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] c4{–jflif{s ;dLIffsf] nIo / k|ult ljj/0f
1. 52 :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/sf] nflu k|bfg ul/g] shf{df @)&^÷!!÷@( df lgb]{zg hf/L ul/Psf]] .
C0f e'QmfgL cfDbfgL cg'kft -DTI_ clwstd ^) k|ltzt sfod ug'{ kg]{
Joj:yf ul/g] .
2. %# :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/ tyf ?= %) nfvb]lv ?= @ @)&^÷!!÷@( df lgb]z { g hf/L ul/Psf]] .
s/f]8;Ddsf] s[lif, ko{6g Pjd\ ;fgf tyf demf}nf k]zf÷Joj;fosf nflu s/
bflvnf sfuhftsf] cfwf/df shf{ k|bfg÷gjLs/0f ug{ ;Sg] Joj:yf ldnfOg] .
3. %$ lgodfg';f/ btf{ ePsf 3/ hUuf Joj;fo sDkgLx?n] ;~rfng ug]{ g]kfn @)&^÷!!÷@( df lgb]{zg hf/L ul/Psf]] .
;/sf/sf] ;DalGwt lgsfoaf6 cg'dlt k|fKt cfof]hgfsf nflu k|bfg ul/g]
shf{sf] C0f d"No cg'kft (LTV Ratio_ dxfgu/kflnsf, pkdxfgu/kflnsf /
sf7df8f}+ dxfgu/kflnsf;Fu hf]l8Psf gu/kflnsf If]qdf clwstd %)
k|ltzt / ;f] afx]ssf If]qdf ^) k|ltzt sfod ul/g] .
4. %% k|fyldstfk|fKt If]qdf k|jfx x'g] shf{nfO{ yk k|f]T;flxt ug{ ;'Id lgu/fgL @)&^÷!!÷@( df lgb]{zg hf/L ul/Psf]] .
-watch list_ ;DaGwL Joj:yfdf k'g/fjnf]sg ul/g] .
5. %^ sf]/f]gf efO/;sf] ;+qmd0fsf] sf/0faf6 c;/ kg{ ;Sg] ;Defljt If]qx? klxrfg sfof{Gjog ePsf] .
u/L To:tf If]qx?df k|jfx ePsf] shf{df k'g/shf{ ;'ljwf / k'g/;+/rgf tyf
k'g/tflnsLs/0fsf] Joj:yfx?df cfjZostf cg';f/ k'g/fjnf]sg ul/g] .
6. %& n3'ljQ ljQLo ;+:yfx?n] ug]{ nfef+z -gub jf af]g; z]o/_ ljt/0f ;DaGwL @)&^÷!!÷@( df lgb]{zg hf/L ul/Psf]] .
ljBdfg Joj:yfdf kl/dfh{g u/L ul/g] .
7. %* g]kfnL gful/s, kmd{ tyf ;+:yfn] Joj;fo ;+rfng jf lj:tf/ ug{ o; a}+ssf] @)&^÷!!÷@( df lgb]{zg hf/L ul/Psf]] .
k"j{ :jLs[lt lnO{ ef/taf6 ef=?= !) s/f]8;Dd / cGo d'n'saf6 cd]l/sL
8n/ !) nfv;Dd slDtdf # jif{ cjlwsf] nflu ;x'lnotk"0f{ Aofh jf ljgf
Aofhdf C0f÷;fk6L lng kfpg] Joj:yf ul/g] .
8. %( a}+s tyf ljQLo ;+:yfn] ljb]zL ;+:yfx? tyf u}/ cfjf;Lo g]kfnLx?af6 lgIf]k o; ;DaGwL gLltut Joj:yfdf
;+sng ug{ ;Sg] Joj:yfdf k'g/fjnf]sg u/L bfo/f yk km/flsnf] agfOg] . ;/f]sf/jfnfx?;Fu 5nkmn eO/x]sf] .
9. ^) jf:tljs ;dosf] e'QmfgL k|0ffnL -Real Time Gross Settlement System-RTGS) xfn;Dd !) ljsf; a}+s / !$ ljQ sDkgL;Fu
df ;a} ljsf; a}+s / ;a} ljQ sDkgLnfO{ ;d]t pQm k|0ffnLdf cfj¢ ul/g] . Participant Agreement ;DkGg ePsf] . sf]le8–
!( sf] sf/0f afFsL ljsf; a}+s / ljQ
sDkgL;Fu Participant Agreement ug{ afFsL
/x]sf] .
10. ^! e'QmfgL ;DaGwL sf/f]af/ ug{ cg'dltkq k|fKt ;+:yfn] sf/f]af/ tyf sf8{;Fu e'QmfgL tyf km:of}{6 ljlgodfjnL, @)&& df
;DalGwt ;+a]bgzLn ;"rgfsf] ;'/Iffsf] k|Tofe"lt ug{ Payment Card Industry, Data cfjZos Joj:yf u/L lgoldt cg'udg tyf
Security Standard (PCI-DSS) sf k|fjwfgx?sf] kfngf / e'QmfgL k|0ffnLsf] k/LIf0f lgu/fgL ug]{ sfo{ cufl8 a9fOPsf] .
-System Audit_ ;DaGwdf lgoldt cg'udg tyf lgu/fgLsf] Joj:yf ldnfOg] .
11. ^@ /fli6«o e'QmfgL :jLr -National Payment Gateway_ :yfkgfsf] k|lqmof cufl8 /fli6«o e'QmfgL :jLrsf] :yfkgf ;DaGwL sfo{
a9fOg] . g]kfn lSnol/Ë xfp; lnld6]8dfk{mt cufl8
a9fpg] ;DaGwdf cjwf/0ff tof/ u/L
5nkmnsf] qmddf /x]sf] .
tflnsf ;"rL
tflnsf ! s'n ufx{:Yo pTkfbg -@)%&÷%* sf] d"Nodf_
tflnsf @ s'n ufx{:Yo pTkfbg -k|rlnt d"Nodf_
tflnsf # s'n /fli6«o cfo tyf art
tflnsf $ /fli6«o pkef]Qmf d"No ;"rsfÍ -@)&!÷&@ = !))_
tflnsf % df}lb|s ;j]{If0f
tflnsf ^ df}lb|s ;j]{If0f -jflif{s ljGb'ut_
tflnsf & Aofhb/ ;+/rgf
tflnsf * df}lb|s Joj:yfkg
tflnsf ( ;f]em} vl/b / ljqmL af]nsaf]n
tflnsf !) l/kf] / l/e;{ l/kf] af]nsaf]n
tflnsf !! lgIf]k ;+sng af]nsaf]n
tflnsf !@ Aofhb/ sl/8f]/
tflnsf !# ;/sf/L ljQ l:ylt -a}lsË sf/f]jf/df cfwfl/t_
tflnsf !$ g]kfn ;/sf/sf] s'n cfGtl/s C0f
tflnsf !% g]kfn ;/sf/sf] v'b cfGtl/s C0f
tflnsf !^ j}b]lzs Jofkf/
tflnsf !& zf]wgfGt/ l:ylt
tflnsf !* a}lsË If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
tflnsf !( ljb]zL d'b|f vl/b÷laqmL
tflnsf !
s'n ufx{:Yo pTkfbg
-@)%&÷%* sf] d"Nodf_
?= s/f]8df k|ltzt kl/jt{g
zLif{s ;+ k|f ;+ k|f
2071/72 2072/73 2073/74 2074/75 2075/76 2076/77 2072/73 2073/74 2074/75 2075/76 2076/77
s[lif 24,013.8 24,068.1 25,319.7 26,033.2 27,351.4 28,059.0 0.2 5.2 2.8 5.1 2.6
s[lif tyf jg 23,577.5 23,580.6 24,793.1 25,467.5 26,754.0 27,418.8 0.0 5.1 2.7 5.1 2.5
dT:okfng 436.2 487.5 526.6 565.7 597.4 640.2 11.8 8.0 7.4 5.6 7.2
u}/ s[lif 48,365.5 48,549.5 52,918.1 57,015.9 61,217.6 62,605.6 0.4 9.0 7.7 7.4 2.3
pBf]u 10,939.9 10,243.7 11,514.0 12,615.7 13,590.2 14,029.2 -6.4 12.4 9.6 7.7 3.2
vfgL tyf pTvgg 323.3 314.3 357.5 389.2 423.9 421.0 -2.8 13.7 8.9 8.9 -0.7
pTkfbg pBf]u 4,806.8 4,422.3 4,851.0 5,295.7 5,657.0 5,528.8 -8.0 9.7 9.2 6.8 -2.3
ljB't, Uof; tyf kfgL 1,533.1 1,416.8 1,706.7 1,871.2 2,042.4 2,629.5 -7.6 20.5 9.6 9.1 28.7
lgdf{0f 4,276.6 4,090.4 4,598.7 5,059.5 5,466.9 5,449.9 -4.4 12.4 10.0 8.1 -0.3
;]jf 37,425.7 38,305.7 41,404.1 44,400.2 47,627.5 48,576.5 2.4 8.1 7.2 7.3 2.0
yf]s tyf v'b|f Jofkf/ 9,619.1 9,411.0 10,529.9 11,850.8 13,160.9 13,438.5 -2.2 11.9 12.5 11.1 2.1
xf]6n tyf /]i6'/]G6 1,280.4 1,156.4 1,241.2 1,362.4 1,462.2 1,224.0 -9.7 7.3 9.8 7.3 -16.3
oftfoft, e08f/0f tyf ;+rf/ 7,480.7 7,631.4 8,124.9 8,502.6 9,004.5 8,784.1 2.0 6.5 4.6 5.9 -2.4
ljQLo dWo:ytf 2,862.6 3,107.5 3,390.0 3,606.4 3,829.4 4,026.4 8.6 9.1 6.4 6.2 5.1
3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 5,531.3 5,737.3 6,062.9 6,380.9 6,771.3 6,991.7 3.7 5.7 5.2 6.1 3.3
;fj{hlgs k|zf;g tyf /Iff 1,351.6 1,385.7 1,511.3 1,588.0 1,676.0 1,791.8 2.5 9.1 5.1 5.5 6.9
lzIff 4,902.1 5,261.3 5,650.1 5,934.0 6,237.3 6,541.5 7.3 7.4 5.0 5.1 4.9
:jf:Yo tyf ;fdflhs sfo{ 1,166.2 1,204.1 1,292.4 1,374.3 1,467.1 1,570.8 3.2 7.3 6.3 6.8 7.1
cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 3,231.7 3,411.1 3,601.3 3,800.9 4,018.7 4,207.8 5.6 5.6 5.5 5.7 4.7
s'n d"No clej[l4 -ck|ToIf ljQLo dWo:ytf;lxt_ 72,379.3 72,617.6 78,237.8 83,049.1 88,569.1 90,664.7 0.3 7.7 6.1 6.6 2.4
ck|ToIf ljQLo dWo:ytf 2,952.4 3,048.8 3,282.8 3,334.5 3,476.3 3,640.1 3.3 7.7 1.6 4.3 4.7
s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 69,426.9 69,568.8 74,955.0 79,714.6 85,092.8 87,024.5 0.2 7.7 6.3 6.7 2.3
pTkflbt j:t'df v'b s/ 7,006.6 7,314.7 8,251.0 9,067.1 9,895.8 10,125.5 4.4 12.8 9.9 9.1 2.3
s'n ufx{:Yo pTkfbg 76,433.6 76,883.5 83,206.0 88,781.7 94,988.6 97,150.0 0.6 8.2 6.7 7.0 2.3
k|f – k|f/lDes cg'dfg
;|f]tM s]Gb|Lo tYofÍ ljefu
tflnsf @
s'n ufx{:Yo pTkfbg
-k|rlnt d"Nodf_
?= s/f]8df k|ltzt kl/jt{g
2071/72 2072/73 2073/74 2074/75 2075/76 2076/77 2072/73 2073/74 2074/75 2075/76 2076/77
s[lif 62,590.1 65,677.9 72,428.3 78,449.2 83,896.1 92,569.6 4.9 10.3 8.3 6.9 10.3
s[lif tyf jg 61,657.2 64,569.7 71,190.6 76,977.5 82,268.6 90,675.4 4.7 10.3 8.1 6.9 10.2
dT:okfng 932.8 1,108.2 1,237.7 1,471.7 1,627.5 1,894.2 18.8 11.7 18.9 10.6 16.4
u}/ s[lif 134,580.5 142,087.4 171,864.5 196,128.6 221,049.9 242,256.0 5.6 21.0 14.1 12.7 9.6
pBf]u 29,219.5 29,509.5 35,400.3 40,833.3 45,987.0 47,788.3 1.0 20.0 15.3 12.6 3.9
vfgL tyf pTvgg 1,187.5 1,163.0 1,423.3 1,664.6 1,850.4 1,838.4 -2.1 22.4 17.0 11.2 -0.6
pTkfbg pBf]u 11,898.0 12,096.7 13,386.2 15,192.0 17,239.2 17,044.4 1.7 10.7 13.5 13.5 -1.1
ljB't, Uof; tyf kfgL 2,205.1 2,118.0 3,060.9 3,355.1 3,660.0 4,705.8 -4.0 44.5 9.6 9.1 28.6
lgdf{0f 13,928.9 14,131.8 17,530.0 20,621.6 23,237.4 24,199.7 1.5 24.0 17.6 12.7 4.1
;]jf 105,361.0 112,577.9 136,464.2 155,295.3 175,062.9 194,467.6 6.8 21.2 13.8 12.7 11.1
yf]s tyf v'b|f Jofkf/ 28,956.6 29,324.8 33,101.6 38,106.6 43,813.6 46,520.5 1.3 12.9 15.1 15.0 6.2
xf]6n tyf /]i6'/]G6 4,047.9 4,145.9 4,772.8 5,241.2 5,626.8 4,711.6 2.4 15.1 9.8 7.4 -16.3
oftfoft, e08f/0f tyf ;+rf/ 16,497.6 16,740.5 18,448.9 19,617.2 22,002.3 21,504.6 1.5 10.2 6.3 12.2 -2.3
ljQLo dWo:ytf 9,140.6 10,775.8 13,537.5 17,229.4 19,346.9 22,171.0 17.9 25.6 27.3 12.3 14.6
3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 16,694.7 19,132.5 26,739.2 30,936.0 35,307.7 39,687.7 14.6 39.8 15.7 14.1 12.4
;fj{hlgs k|zf;g tyf /Iff 5,142.2 5,272.0 6,942.1 7,274.4 8,306.4 10,607.9 2.5 31.7 4.8 14.2 27.7
lzIff 12,936.3 14,161.3 17,358.9 19,438.5 21,582.1 25,670.9 9.5 22.6 12.0 11.0 18.9
:jf:Yo tyf ;fdflhs sfo{ 3,292.9 3,370.8 4,255.0 4,582.7 5,100.3 6,238.3 2.4 26.2 7.7 11.3 22.3
cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 8,652.1 9,654.5 11,308.3 12,869.2 13,976.8 17,355.2 11.6 17.1 13.8 8.6 24.2
s'n d"No clej[l4 -ck|ToIf ljQLo dWo:ytf;lxt_ 197,170.6 207,765.3 244,292.8 274,577.8 304,946.0 334,825.6 5.4 17.6 12.4 11.1 9.8
ck|ToIf ljQLo dWo:ytf 7,261.6 8,409.3 10,344.5 11,978.3 12,848.6 13,973.7 15.8 23.0 15.8 7.3 8.8
s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 189,908.9 199,356.0 233,948.3 262,599.5 292,097.4 320,851.9 5.0 17.4 12.2 11.2 9.8
pTkflbt j:t'df v'b s/ 23,106.0 25,960.3 33,501.0 41,893.2 53,781.8 55,852.4 12.4 29.0 25.1 28.4 3.8
s'n ufx{:Yo pTkfbg 213,015.0
#VALUE! 225,316.3 267,449.3 304,492.7 345,879.3 376,704.3 5.8 18.7 13.9 13.6 8.9
tflnsf #
s'n /fli6«o cfo tyf art
-k|rlnt d"Nodf_
?= s/f]8df s'n ufx{:Yo pTkfbg;Fu cg'kft
2071/72 2072/73 2073/74 2074/75 2075/76 2076/77 2074/75 2075/76 2076/77
s'n pkef]u 193,404.6 216,151.9 231,528.7 253,850.9 280,255.8 308,507.2 83.4 81.0 81.9
;/sf/L If]q 23,253.2 25,970.4 29,985.2 35,426.2 39,999.2 43,494.5 11.6 11.6 11.5
lghL If]q 166,296.2 186,115.7 196,889.8 213,367.9 234,631.5 259,117.0 70.1 67.8 68.8
u}/—d'gfkmfsf/L ;+:yfx? 3,855.2 4,065.9 4,653.6 5,056.7 5,625.1 5,895.7 1.7 1.6 1.6
s'n nufgL 83,198.3 76,341.6 125,213.3 164,126.9 195,637.1 188,926.3 53.9 56.6 50.2
s'n l:y/ kF'hL nufgL 59,582.3 64,729.4 84,069.3 105,195.7 116,493.9 105,996.6 34.5 33.7 28.1
;/sf/L If]q 11,025.4 16,050.2 16,954.3 26,150.7 23,636.0 23,434.1 8.6 6.8 6.2
lghL If]q 48,556.8 48,679.2 67,115.0 79,045.0 92,857.9 82,562.4 26.0 26.8 21.9
:6s kl/jt{g 23,616.0 11,612.3 41,144.0 58,931.2 79,143.2 82,929.8 19.4 22.9 22.0
s'n cfGtl/s dfu 276,602.9 292,493.6 356,742.0 417,977.8 475,893.0 497,433.5 137.3 137.6 132.0
j:t' tyf ;]jf lgof{{t 24,756.5 21,333.8 24,039.2 27,121.7 29,981.9 30,169.0 8.9 8.7 8.0
j:t' tyf ;]jf cfoft 88,344.4 88,511.1 113,331.9 140,606.8 159,995.5 150,898.2 46.2 46.3 40.1
v'b j:t' tyf ;]jf lgof{{t (63,587.9) (67,177.3) (89,292.7) (113,485.1) (130,013.7) (120,729.2) -37.3 -37.6 -32.0
s'n ufx{:Yo pTkfbg 213,015.0 225,316.3 267,449.3 304,492.7 345,879.3 376,704.3 100.0 100.0 100.0
v'b ;fwg cfo 3,424.3 3,400.4 3,099.5 2,261.5 3,998.6 4,331.1 0.7 1.2 1.1
s'n /fli6«o cfo 216,439.2 228,716.7 270,548.8 306,754.2 349,877.9 381,035.4 100.7 101.2 101.1
v'b 6«fG;\km/ 70,995.7 77,818.7 85,180.1 86,467.1 99,478.5 100,858.5 28.4 28.8 26.8
s'n /fli6«o vr{of]Uo cfDbfgL 287,434.9 306,535.4 355,728.9 393,221.3 449,356.4 481,893.9 129.1 129.9 127.9
s'n ufx{:Yo art 19,610.3 9,164.4 35,920.6 50,641.8 65,623.5 68,197.1 16.6 19.0 18.1
s'n /fli6«o art 94,030.2 90,383.5 124,200.3 139,370.4 169,100.6 173,386.7 45.8 48.9 46.0
tflnsf $
/fli6«o pkef]Qmf d"No ;"rsfÍ
-cfwf/ jif{ M @)&!÷&@ = !))_
2073/74 2074/75 2075/76 2076/77
dlxgf d"No ;"rsfÍ k|ltzt d"No ;"rsfÍ k|ltzt d"No ;"rsfÍ k|ltzt d"No ;"rsfÍ k|ltzt
kl/jt{g kl/jt{g kl/jt{g kl/jt{g
;fpg 115.7 8.6 118.3 2.3 123.3 4.2 131.9 7.0
ebf} 115.5 7.9 119.4 3.4 124.0 3.9 131.7 6.2
c;f]h 115.7 6.7 119.2 3.1 124.8 4.7 132.6 6.2
sflQs 116.1 4.8 120.6 3.9 125.6 4.1 132.8 5.8
d+l;/ 115.1 3.8 119.9 4.2 124.4 3.7 132.5 6.6
k'; 113.9 3.2 118.5 4.0 123.9 4.6 132.4 6.8
df3 113.4 3.3 119.0 5.0 124.2 4.4 132.8 6.9
kmfu'g 112.4 2.9 119.1 6.0 124.1 4.2 132.4 6.7
r}t 113.5 3.8 119.5 5.3 124.8 4.4 133.2 6.7
j}zfv 115.2 3.4 120.0 4.1 126.3 5.3 133.7 5.8
h]7 115.6 2.8 120.3 4.1 127.7 6.2 133.5 4.5
c;f/ 115.9 2.7 121.3 4.6 128.6 6.0
jflif{s 114.8 4.5 119.6 4.2 125.1 4.6 132.7* 6.3*
* P3f/ dlxgfsf] cf};t
tflnsf %
df}lb|s ;j]{If0f
-?= s/f]8df_
kl/jt{g -P3f/ dlxgf_
2075 2076 2076 2077 2075/76 2076/77
df}lb|s of]ufÍ
c
c;f/ h]7 c;f/ h]7 /sd k|ltzt /sd k|ltzt
1/ 2/
!= v'b j}b]lzs ;DklQ 105,429.2 96,885.2 98,478.3 122,750.5 -9,082.8 -8.6 17,937.2 18.2
!=! j}bl] zs ;DklQ 113,329.5 106,471.1 107,352.7 135,306.3 -6,858.4 -6.1 27,953.7 26.0
!=@ j}bl] zs bfloTj 7,900.4 9,585.9 8,874.3 12,555.8 1,685.6 21.3 3,681.5 41.5
s= ljb]zL d'b|f lgIf]k 7,717.8 9,110.1 8,449.0 11,288.9 1,392.3 18.0 2,839.9 33.6
v= cGo j}b]lzs bfloTj 182.5 475.8 425.3 1,266.9 293.3 160.7 841.6 197.9
1/ 2/
@= v'b cfGtl/s ;DklQ 204,017.5 247,164.2 259,735.5 281,657.9 43,685.5 21.4 28,257.4 10.9
@=! s'n cfGtl/s shf{ 275,589.3 322,440.7 333,851.0 376,856.6 46,851.4 17.0 43,005.6 12.9
s= ;/sf/nfO{ uPsf] v'b shf{ 27,263.0 26,005.1 37,554.6 42,069.7 -1,257.9 -4.6 4,515.2 12.0
c= ;/sf/dflysf] bfjL 36,212.8 42,459.5 44,120.0 58,520.2 6,246.7 17.2 14,400.3 32.6
cf= ;/sf/L lgIf]k 8,949.8 16,454.4 6,565.4 16,450.5 7,504.6 83.9 9,885.1 150.6
v= u}+/–ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 1,003.4 1,012.7 969.3 975.5 9.2 0.9 6.2 0.6
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 3,044.4 3,919.1 4,299.5 4,335.2 874.6 28.7 35.7 0.8
c= ;/sf/L 382.7 159.9 160.7 151.1 -222.8 -58.2 -9.6 -6.0
cf= u}/–;/sf/L 2,661.7 3,759.2 4,138.8 4,184.1 1,097.4 41.2 45.3 1.1
3= lghL If]qnfO{ uPsf] shf{ 244,278.4 291,503.8 291,027.6 329,476.1 47,225.4 19.3 38,448.5 13.2
1/ 2/
@=@ v'b cdf}lb|s bfloTj 71,571.8 75,276.5 74,115.5 95,198.7 3,165.9 4.4 14,748.2 19.9
#= lj:t[t d'b|f k|bfo -Pd@_ 309,446.7 344,049.4 358,213.8 404,408.4 34,602.7 11.2 46,194.6 12.9
#=! d'b|f k|bfo -s±v_, Pd!± 187,896.0 197,220.7 209,375.8 228,156.8 9,324.7 5.0 18,781.0 9.0
s= d'b|f k|bfo -Pd!_ 66,939.5 68,900.4 72,664.3 78,288.3 1,960.9 2.9 5,624.1 7.7
d'b|f 41,598.5 41,809.2 42,320.4 48,268.7 210.7 0.5 5,948.2 14.1
rNtL lgIf]k 25,341.0 27,091.2 30,343.8 30,019.7 1,750.2 6.9 -324.2 -1.1
v= art tyf sn lgIf]k 120,956.5 128,320.3 136,711.6 149,868.5 7,363.8 6.1 13,156.9 9.6
#=@= cfjlws lgIf]k 121,550.6 146,828.7 148,837.9 176,251.5 25,278.0 20.8 27,413.6 18.4
$= lj:t[t df}lb|s t/ntf -Pd#_ 317,164.5 353,159.5 366,662.8 415,697.3 35,995.0 11.3 49,034.5 13.4
c
ckl/is[t
1/ ljb]zL ljlgdo d"NofÍg gfkmf ?=%#*=* s/f]8 ;dfof]hg ul/Psf] .
2/ ljb]zL ljlgdo d"NofÍg gfkmf ?= ^##%=) s/f]8 ;dfof]hg ul/Psf] .
tflnsf ^
df}lb|s ;j]{If0f
-jflif{s ljGb'ut_
-?= s/f]8df_
kl/jt{g
2075 2076 2077 2075/76 2076/77
df}lb|s of]ufÍ
c
h]7 h]7 h]7 /sd k|ltzt /sd k|ltzt
!= v'b j}b]lzs ;DklQ 104,642.4 96,885.2 122,750.5 -7,757.2 -7.4 25,865.3 26.7
!=! j}bl] zs ;DklQ 112,605.8 106,471.1 135,306.3 -6,134.6 -5.4 28,835.2 27.1
!=@ j}bl] zs bfloTj 7,963.3 9,585.9 12,555.8 1,622.6 20.4 2,969.9 31.0
s= ljb]zL d'b|f lgIf]k 7,737.2 9,110.1 11,288.9 1,372.9 17.7 2,178.8 23.9
v= cGo j}b]lzs bfloTj 226.1 475.8 1,266.9 249.7 110.4 791.1 166.3
@= v'b cfGtl/s ;DklQ 190,079.4 247,164.2 281,657.9 57,084.8 30.0 34,493.7 14.0
@=! s'n cfGtl/s shf{ 257,821.5 322,440.7 376,856.6 64,619.2 25.1 54,415.9 16.9
s= ;/sf/nfO{ uPsf] v'b shf{ 12,258.6 26,005.1 42,069.7 13,746.5 112.1 16,064.6 61.8
c= ;/sf/dflysf] bfjL 37,107.1 42,459.5 58,520.2 5,352.4 14.4 16,060.7 37.8
cf= ;/sf/L lgIf]k 24,848.5 16,454.4 16,450.5 -8,394.1 -33.8 -3.9 0.0
v= u}+/–ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 1,004.7 1,012.7 975.5 7.9 0.8 -37.2 -3.7
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 2,835.0 3,919.1 4,335.2 1,084.1 38.2 416.2 10.6
c= ;/sf/L 383.3 159.9 151.1 -223.4 -58.3 -8.7 -5.5
cf= u}/–;/sf/L 2,451.7 3,759.2 4,184.1 1,307.5 53.3 424.9 11.3
3= lghL If]qnfO{ uPsf] shf{ 241,723.2 291,503.8 329,476.1 49,780.7 20.6 37,972.3 13.0
@=@ v'b cdf}lb|s bfloTj 67,742.1 75,276.5 95,198.7 7,534.4 11.1 19,922.2 26.5
#= lj:t[t d'b|f k|bfo -Pd@_ 294,721.8 344,049.4 404,408.4 49,327.6 16.7 60,359.0 17.5
#=! d'b|f k|bfo -s±v_, Pd!± 176,680.4 197,220.7 228,156.8 20,540.4 11.6 30,936.1 15.7
s= d'b|f k|bfo -Pd!_ 62,139.3 68,900.4 78,288.3 6,761.1 10.9 9,387.9 13.6
d'b|f 40,447.1 41,809.2 48,268.7 1,362.1 3.4 6,459.5 15.4
rNtL lgIf]k 21,692.1 27,091.2 30,019.7 5,399.1 24.9 2,928.5 10.8
v= art tyf sn lgIf]k 114,541.1 128,320.3 149,868.5 13,779.2 12.0 21,548.2 16.8
#=@= cfjlws lgIf]k 118,041.5 146,828.7 176,251.5 28,787.2 24.4 29,422.9 20.0
$= lj:t[t df}lb|s t/ntf -Pd#_ 302,459.0 353,159.5 415,697.3 50,700.5 16.8 62,537.7 17.7
c
ckl/is[t
tflnsf &
Aofhb/ ;+/rgf
-k|ltzt k|ltjif{_
jif{ 2074 2075 2076 2076 2076 2076 2076 2077
dlxgf c;f/ c;f/ h]7 c;f/ c;f]h k'; r}t h]7
s= gLltut b/
clgjfo{
lgwf{ gubb/ df}
l/t l/kf] Hbft/_-;Lcf/cf/_
-sl/8f] 5.0 5.0 5.0 5.0 4.5 4.5 4.5 3.5
lgwf{l/t lgIf]k ;+sng b/ -sl/8f]/_ 3.0 3.0 3.5 3.5 3.0 3.0 3.0 2.0
:yfoL t/ntf ;'ljwf Aofhb/^ 7.0 7.0 6.5 6.5 6.0 6.0 6.0 5.0
a}+s b/ 7.0 7.0 6.5 6.5 6.0 6.0 6.0 5.0
v= k'g/shf{ b/
ljz]if k'g/shf{ 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0
;fwf/0f k'g/shf{ 4.0 4.0 4.0 4.0 3.0 3.0 3.0 3.0
lgof{tsf] nflu ljb]zL d'b|fdf lbOg] shf{ nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25
u= clgjfo{ gub df}Hbft -;Lcf/cf/_
jfl0fHo a}+s 6.0 6.0 4.0 4.0 4.0 4.0 4.0 3.0
ljsf; a}+s 5.0 5.0 4.0 4.0 4.0 4.0 4.0 3.0
ljQ sDkgL 4.0 4.0 4.0 4.0 4.0 4.0 4.0 3.0
3= ;/sf/L ;]S o"l/6L
6«]h/L laN; -@* lbg]_* - 3.07 3.74 4.33 - - - -
6«]h/L laN; -(! lbg]_* 0.71 3.74 5.50 4.97 4.33 3.17 2.13 2.81
6«]h/L laN; -!*@ lbg]_* 1.71 4.39 5.69 5.03 4.54 4.51 3.72 4.57
6«]h/L laN; -#^$ lbg]_* - - 5.78 4.78 4.56 3.60 3.94 4.23
ljsf; C0f kq 2.65-9.0 2.65-6.5 2.65-6.5 2.65-6.5 2.65-6.5 2.65-6.5 2.65-6.97 2.65-6.97
/fli6«o/gful/s art kq 6.0-10.0 6.0-8.5 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0
u= cGt/a}+s sf/f]af/ b/ 0.64 2.96 6.91 4.52 4.62 1.76 2.13 2.80
3= efl/t cf};t lgIf]k Aofhb/ -jfl0fHo a}+s_ 6.15 6.49 6.64 6.60 6.75 6.79 6.74 6.17
ª= efl/t cf};t shf{ Aofhb/ -jfl0fHo a}+s_ 11.33 12.47 12.20 12.13 11.98 11.94 11.77 10.43
r= cfwf/ Aofhb/ -jfl0fHo a}+s_ 9.89 10.47 9.48 9.57 9.56 9.43 9.36 8.66
^
@)^( ebf}+ ! ut]b]lv a}+s b/d} :yfoL t/ntf ;'ljwf k|bfg ug{ yflnPsf] .
* efl/t cf};t Aofh b/
tflnsf *
df}lb|s Joj:yfkg
-?= s/f]8df_
zLif{s 2074÷75 2075÷76 2076÷77
s= t/ntf k|jfx 14,566.5 32,248.9 21,915.5

!= l/kf] - 16,246.0 10,855.0
@= ;f]em} vl/b 3,762.0 - -
#= l/kf] af]nsaf]n * 6,972.0 570.0 732.2
$= :yfoL t/ntf ;'ljwf 3,832.5 15,432.9 10,328.3
v= t/ntf k|zf]rg 19,500.0 10,035.0 7,800.0
!= l/e;{ l/kf] 8,475.0 2,070.0 4,800.0
@= ;f]em} laqmL 840.0 - -
#= lgIf]k ;+sng af]nsaf]n 5,590.0 7,965.0 3,000.0
$= lgIf]k ;+sng af]nsaf]n * 4,595.0 - -
u= v'b t/ntf k|jfx -±_÷k|zf]rg -–_ (4,933.5) 22,213.9 14,115.5
* Aofhb/ sl/8f]/ cGtu{tsf] sf/f]jf/
tflnsf (
;f]e}m vl/b / laqmL af]nsaf]n
-?= s/f]8df_
vl/b af]nsaf]n laqmL af]nsaf]n
dlxgf @)&$÷&% @)&%÷&^ @)&^÷&& @)&$÷&% @)&%÷&^ @)&^÷&&
Aofh b/* Aofh b/* Aofh b/* Aofh b/* Aofh b/* Aofh b/*
/sd /sd /sd /sd /sd /sd
-k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_
;fpg - - - - - - - - - - - -
ebf} - - - - - - - - - - - -
c;f]h - - - - - - - - - - - -
sflQs - - - - - - - - - - - -
d+l;/ - - - - - - - - - - - -
k'; 2,527.7 3.6 - - - - - - - - - -
df3 1,106.8 3.44 - - - - - - - - - -
kmfu'g 75.0 3.90 - - - - - - - - - -
r}t - - - - - - - - - - - -
a}zfv 52.5 4.3 - - - - - - - - - -
h]7 - - - - - - 500.0 4.61 - - - -
c;f/ - - - - - - 340.0 3.29 - - - -
s'n hDdf 3,762.0 3.54 - - - - 840.0 4.1 - - - -
tflnsf !)
l/kf] / l/e;{ l/kf] af]nsaf]n
-?= s/f]8df_
l/kf] af]nsaf]n -& lbg]_ l/e;{ l/kf] af]nsaf]n
dlxgf @)&$÷&% @)&%÷&^ @)&^÷&& @)&$÷&% @)&%÷&^ @)&^÷&&
/sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/*
-k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_
;fpg - - - - - - 4,575.0 0.34 70.0 1.53 - -
ebf} - - - - - - 2,400.0 0.37 500.0 1.49 - -
c;f]h - - - - 3,855.0 4.60 500.0 0.43 1,000.0 0.34 - -
sflQs - - - - - - 1,000.0 0.41 500.0 0.61 - -
d+l;/ - - - - - - - - - - - -
k'; - - - - - - - - - - 2,800.0 2.31
df3 - - 1,743.0 5.18 5,000.0 4.74 - - - - - -
kmfu'g - - 210.0 5.04 2,000.0 4.75 - - - - - -
r}t - - 1,600.0 5.22 - - - - - - - -
a}zfv - - 6,092.0 5.10 - - - - - - - -
h]7 - - 3,914.0 5.16 - - - - - - 2,000.0 1.28
c;f/ - - 2,687.0 5.08 - - - - - - - -
s'n hDdf - - 16246 5.1342 10,855.0 4.69 8,475.0 0.36 2,070.0 0.72 4,800.0 1.88
tflnsf !!
lgIf]k ;+sng af]nsaf]n
-?= s/f]8df_
() lbg] ^) lbg] #) lbg] !% lbg]
dlxgf @)&%÷&^ @)&^÷&& @)&^÷&& @)&^÷&& @)&^÷&&
/sd Aofhb/* /sd Aofhb/* /sd Aofhb/* /sd Aofhb/* /sd Aofhb/*
;fpg 2,695.0 3.66 - - - - - - 3,000.0 0.84
ebf} - - - - - - - - - -
c;f]h - - - - - - - - - -
sflQs - - - - - - - - - -
d+l;/ - - - - - - - - - -
k'; - - - - - - - - - -
df3 - - - - - - - - - -
kmfu'g - - - - - - - - - -
r}t - - - - - - - - - -
a}zfv - - - - - - - - - -
h]7 - - - - - - - - - -
c;f/ - - - - - - - - - -
s'n 2,695.0 3.66 - - - - - - 3,000.0 0.84
*efl/t cf};t Aofh b/ k|ltzt
tflnsf !@
Aofhb/ sl/8f]/
-?= s/f]8df_
lgIf]k ;+sng af]nsaf]n -!$ lbg]_ lgIf]k ;+sng af]nsaf]n -& lbg]_ l/kf] af]nsaf]n -!$ lbg]_ l/kf] af]nsaf]n -cf]e/gfO6_
dlxgf @)&%÷&^ @)&^÷&& @)&%÷&^ @)&^÷&&
/sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/*
;fpg - - - - - - - -
ebf} - - - - - - - -
c;f]h - - - - - - 97.1 4.5
sflQs - - - - - - - -
d+l;/ - - - - - - - -
k'; - - - - - - - -
df3 - - - - 360.0 5.0 211.8 4.5
kmfu'g - - - - 40.0 5.0 234.9 4.5
r}t - - - - - - - -
a}zfv - - - - 170.0 5.0 188.5 3.5
h]7 - - - - - - - -
c;f/ - - - - - - - -
s'n hDdf - - - 0.0 570.0 5.00 732.2 4.2
* efl/t cf};t Aofh b/ k|ltzt
tflnsf !#
;/sf/L ljQ l:ylt
-a}lsª sf/f]jf/df cfwfl/t_
-c;f/ rf}yf] xKtfsf]] tYofÍdf cfwfl/t_ +
-?=s/f]8df_
2074/75 2075/76 2076/77*
k|ltzt kl/jt{g
zLif{s
2075/76 2076/77
c;f/ @( c;f/ @& c;f/ @^
s'n vr{ 97786.9 94354.4 97300.9 -3.5 3.1
rfn' 67161.7 67517.0 - 0.5 -
k'FhLut 20604.0 18333.3 - -11.0 -
ljQLo Joj:yf 10021.2 8504.1 - -15.1 -
s'n ;fwg 72523.0 83016.8 71899.8 14.5 -13.4
/fh:j tyf cg'bfg 71965.8 83016.8 67330.4 15.4 -18.9
/fh:j 69094.2 81559.0 74171.3 18.0 -9.1
;+3Lo ;/sf/ - - 65520.7 - -
k|b]z / :yfgLo ;/sf/ -x:tfGt/0f_ - - 8650.5 - -
j}b]lzs cg'bfg 2871.6 1457.8 1809.6 -49.2 24.1
ut jif{sf] gub df}Hbft tyf a]?h' 557.2 0.0 4569.4 -100.0 -
ah]6 art÷3f6f -25263.9 -11337.5 -25401.1 -55.1 124.0
3f6f Joxf]l/g] ;|f]tx? 21981.5 13873.5 32730.0 -36.9 135.9
cfGtl/s C0f 14203.7 6511.7 18866.0 -54.2 189.7
cfGtl/s ;fk6L 14475.1 6538.2 19000.4 -54.8 190.6
s= 6«]h/L laN; 7195.9 643.5 9000.0 -91.1 1298.6
v= ljsf; C0fkq 7200.0 5894.7 10000.0 -18.1 69.6
u= /fli6«o artkq - - - - -
3= gful/s artkq 75.1 - - -100.0 -
ª= j}b]lzs /f]huf/L artkq 4.1 - 0.4 -100.0 -
clwljsif{ 0.0 - - - -
cGo @ -271.4 -26.5 -134.5 -90.2 406.6
;fFjf lkmtf{ tyf z]o/ ljljlws/0f 317.8 300.9 113.7 -5.3 -62.2
j}b]lzs C0f 7460.1 7060.9 13750.3 -5.4 94.7
;+3Lo ;/sf/sf] s'n pknAw ;|f]t -3282.3 2535.9 7328.9 -177.3 189.0
k|b]z ;/sf/ vr{ - - 11048.4 - -
k|b]z ;/sf/ ;|f]t - - 12828.0 - -
s= ;+3Lo ;/sf/af6 k|fKt cg'bfg tyf /fh:j - - 8790.8 - -
v= /fh:j tyf k|fKtL - - 4037.2 - -
k|b]z ;/sf/sf] ah]6 art÷3f6f - - 1779.6 - -
:yfgLo ;/sf/sf] vftfdf ePsf] /sd 5533.7 -1714.8 3328.1 -131.0 -294.1
;/sf/L sf]if vftfdf ePsf] /sd 1661.1 -1752.2 -53.5 -205.5 -96.9
d'=c=s= sf]if vftf 257.6 12.4 35.3 -95.2 185.2
eG;f/ sf]]if vftf 64.4 37.6 49.9 -41.6 32.5
k'g{lgdf{0f sf]]if vftf 124.9 - 2,828.7 - -2365.7 -
cGo cfo** 1214.2 1026.5 -138.6 -15.5 -113.5
rfn' df}Hbft 3912.5 -931.1 12383.1 -123.8 -1429.9
*cf=j= @)&%÷&^ b]lv ;/sf/L ljQ l:yltdf ;+3Lo ;/sf/sf] tYofÍ dfq ;dfj]z ul/Psf] . @)&%÷&^ sf] /fhZj kl/rfng cGtu{t ;+3Lo ;/sf/sf] /fhZj tyf k|b]z ;/sf/ / :yfgLo
txnfO{ hfg] ljefHo sf]ifsf] /sdnfO{ ;d]l6Psf] .
+
k|:t't tYofÍ ;/sf/L sf/f]jf/ ug]{ g]kfn /fi6« a}+s nufot ;/sf/L sf/f]af/ ug]{ ;Dk"0f{ jfl0fHo a}+sx?af6 k|fKt tYofÍdf cfwfl/t /x]sf] . To;}u/L, *! j6} lhNnfl:yt sf]if tyf n]vf lgoGqs
sfof{nox? / e'QmfgL s]Gbx?af6 k|fKt lgsfzf ljj/0fdf cfwfl/t /x]sf] .
@
g]kfn ;/sf/sf] sf/f]jf/af6 cflh{t Aofh tyf cGo .
** Uof/]G6L l8kf]lh6, ck/];gn km08, cfsl:ds sf]if nufotsf] /sd ;dfj]z .
tflnsf !$
g]kfn ;/sf/sf] ltg{ afFsL s'n cfGtl/s C0f
-?= s/f]8df_
2075 2076 2077 /sd kl/jt{g
l;=g+= C0fkqx? tyf :jfldTj -c;f/ @)&^ - -c;f/ @)&& -
c;f/ c;f/ c;f/
c;f/ @)&%_ c;f/ @)&^_
! 6«]h/L laN; 14484.8 14679.3 21521.8 194.5 6842.5
s= g]kfn /fi6« a}+s 2612.0 1847.3 2132.0 -764.7 284.7
v= jfl0fHo a}+sx? 11815.3 12509.5 18332.7 694.2 5823.2
u= ljsf; a}+sx? 42.0 296.1 957.2 254.1 661.1
3= ljQ sDkgLx? 15.5 26.2 71.9 10.7 45.7
ª= cGo 0.0 0.2 28.0 0.2 27.8
@ ljsf; C0fkq 23590.0 29734.7 38994.7 6144.7 9260.0
s= g]kfn /fi6« a}+s 4528.7 4403.3 4355.7 -125.5 -47.6
v= jfl0fHo a}+sx? 15771.1 22979.3 30805.5 7208.3 7826.2
u= ljsf; a}+sx? 756.9 1271.5 2181.6 514.6 910.1
3= ljQ sDkgLx? 353.3 506.0 1190.4 152.7 684.4
ª= cGo 2180.0 574.6 461.5 -1605.4 -113.1
# /fli6«o artkq 90.6 0.0 0.0 -90.6 0.0
s= g]kfn /fi6« a}+s 26.2 0.0 0.0 -26.2 0.0
v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0
u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0
3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0
ª= cGo 64.4 0.0 0.0 -64.4 0.0
$ gful/s artkq 871.6 837.6 764.2 -34.0 -73.4
s= g]kfn /fi6« a}+s 290.8 279.5 193.5 -11.3 -86.0
v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0
u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0
3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0
ª= cGo 580.9 558.1 570.7 -22.8 12.5
% a}b]lzs /f]huf/ artkq 52.8 45.1 40.5 -7.7 -4.7
s= g]kfn /fi6« a}+s 1.1 1.3 1.1 0.2 -0.2
v= cGo 51.7 43.9 39.4 -7.8 -4.5
^ s'n cfGtl/s C0f 39089.9 45296.7 61321.2 6206.9 16024.5
s= g]kfn /fi6« a}+s 7458.8 6531.3 6682.3 -927.4 150.9
v= jfl0fHo a}+sx? 27586.4 35488.8 49138.2 7902.5 13649.4
u= ljsf; a}+sx? 798.9 1567.6 3138.8 768.7 1571.2
3= ljQ sDkgLx? 368.8 532.2 1262.4 163.4 730.2
ª= cGo 2877.1 1176.8 1099.6 -1700.3 -77.2
& g]kfn ;/sf/sf] g]kfn /fi6« a}+sdf /x]sf]
lgIf]k -clwljsif{ -±_÷art-–__ -8949.8 -6565.4 -19423.0 2384.4 -12857.6
tflnsf !%
g]kfn ;/sf/sf] v'b cfGtl/s C0f
-?= s/f]8df_
@)&$ c;f/ @)&% c;f/ @)&^ c;f/ @)&& c;f/
s'n ufx{:Yo s'n ufx{:Yo s'n ufx{:Yo s'n ufx{:Yo
l;=g+= ljj/0f pTkfbg;Fusf] pTkfbg;Fusf] pTkfbg;Fusf] pTkfbg;Fusf]
/sd /sd /sd /sd
cg'kft cg'kft cg'kft cg'kft
-k|ltztdf_ -k|ltztdf_ -k|ltztdf_ -k|ltztdf_
s cfGtl/s C0f k|flKt 8833.8 3.3 14474.7 4.8 9638.2 2.8 19464.2 5.2
6«]h/L laN; 3300.0 1.2 7195.9 2.4 2643.5 0.8 9300.0 2.5
ljsf; C0fkq 5500.0 2.1 7200.0 2.4 6994.7 2.0 10000.0 2.7
/fli6«o artkq 0.0 0.0 0.0 0.0 0.0 0.0 160.5 0.0
gful/s artkq 28.6 0.0 75.1 0.0 0.0 0.0 0.0 0.0
j}b]lzs /f]huf/ artkq 5.2 0.0 3.7 0.0 0.0 0.0 3.7 0.0
v cfGtl/s C0f e'QmfgL 3878.6 1.5 3752.0 1.2 3431.3 1.0 3439.8 0.9
6«]h/L laN; 3865.0 1.4 3752.0 1.2 2449.0 0.7 2457.5 0.7
ljsf; C0fkq 0.0 0.0 0.0 0.0 850.0 0.2 740.0 0.2
/fli6«o artkq 0.0 0.0 0.0 0.0 90.7 0.0 0.0 0.0
gful/s artkq 12.7 0.0 0.0 0.0 34.0 0.0 233.9 0.1
j}b]lzs /f]huf/ artkq 0.9 0.0 0.0 0.0 7.6 0.0 8.4 0.0
u g]kfn ;/sf/sf] v'b cfGtl/s C0f -s-v_ 4955.2 1.9 10722.7 3.5 6206.9 1.8 16024.4 4.3
6«]h/L laN; -565.0 -0.2 3443.9 1.1 194.5 0.1 6842.5 1.8
ljsf; C0fkq 5500.0 2.1 7200.0 2.4 6144.7 1.8 9260.0 2.5
/fli6«o artkq 0.0 0.0 0.0 0.0 -90.7 0.0 160.5 0.0
gful/s artkq 15.9 0.0 75.1 0.0 -34.0 0.0 -233.9 -0.1
j}b]lzs /f]huf/ artkq 4.3 0.0 3.7 0.0 -7.6 0.0 -4.7 0.0
3 s'n ufx{:Yo pTkfbg 267449.3 100.0 304492.7 100.0 345879.3 100.0 376704.3 100.0
tflnsf !^
j}b]lzs Jofkf/+
-?= s/f]8df_
jflif{s P3f/ dlxgf k|ltzt kl/jt{g -P3f/ dlxgf_
ljj/0f
2074/75 2075/76 2074/75 2075/76 2076/77 2075/76 2076/77
s'n lgof{t 8136.0 9711.0 7357.5 8783.5 8800.3 19.4 0.2
ef/t 4672.0 6273.2 4246.5 5659.1 6295.0 33.3 11.2
rLg 243.8 211.0 225.5 196.5 113.9 -12.8 -42.1
cGo d'n's 3220.2 3226.8 2885.6 2927.9 2391.4 1.5 -18.3
s'n cfoft 124510.3 141853.5 110787.2 129980.0 110081.3 17.3 -15.3
ef/t 81410.2 91790.9 73123.6 84166.4 67059.9 15.1 -20.3
rLg 15998.7 20552.7 14278.7 18661.3 16972.9 30.7 -9.0
cGo d'n's 27101.4 29509.9 23385.0 27152.3 26048.6 16.1 -4.1
Jofkf/ ;Gt'ng -116374.3 -132142.6 -103429.7 -121196.5 -101281.0 17.2 -16.4
ef/t -76738.2 -85517.8 -68877.1 -78507.3 -60764.9 14.0 -22.6
rLg -15754.9 -20341.8 -14053.2 -18464.8 -16859.0 31.4 -8.7
cGo d'n's -23881.2 -26283.1 -20499.4 -24224.4 -23657.2 18.2 -2.3
s'n Jofkf/ 132646.3 151564.5 118144.7 138763.4 118881.7 17.5 -14.3
ef/t 86082.1 98064.1 77370.1 89825.5 73354.9 16.1 -18.3
rLg 16242.5 20763.7 14504.1 18857.8 17086.7 30.0 -9.4
cGo d'n's 30321.7 32736.6 26270.5 30080.2 28440.0 14.5 -5.5
!= lgof{t cfoft cg'kft 6.5 6.8 6.6 6.8 8.0
ef/t 5.7 6.8 5.8 6.7 9.4
rLg 1.5 1.0 1.6 1.1 0.7
cGo d'n's 11.9 10.9 12.3 10.8 9.2
@= s'n lgof{tdf c+z
ef/t 57.4 64.6 57.7 64.4 71.5
rLg 3.0 2.2 3.1 2.2 1.3
cGo d'n's 39.6 33.2 39.2 33.3 27.2
#= s'n cfoftdf c+z
ef/t 65.4 64.7 66.0 64.8 60.9
rLg 12.8 14.5 12.9 14.4 15.4
cGo d'n's 21.8 20.8 21.1 20.9 23.7
$= s'n Jofkf/ 3f6fdf c+z
ef/t 65.9 64.7 66.6 64.8 60.0
rLg 13.5 15.4 13.6 15.2 16.6
cGo d'n's 20.5 19.9 19.8 20.0 23.4
%= s'n Jofkf/df c+z
ef/t 64.9 64.7 65.5 64.7 61.7
rLg 12.2 13.7 12.3 13.6 14.4
cGo d'n's 22.9 21.6 22.2 21.7 23.9
^= s'n Jofkf/df lgof{t cfoftsf] c+z
lgof{t 6.1 6.4 6.2 6.3 7.4
cfoft 93.9 93.6 93.8 93.7 92.6
+
eG;f/ tYof+sdf cfwfl/t
tflnsf !&
zf]wgfGt/ l:ylt
-?= s/f]8df_
2074/75 2075/76 2076/77c k|ltzt kl/jt{g
ljj/0f -P3f/ dlxgf_
P3f/ dlxgf jflif{s P3f/ dlxgf jflif{s P3f/ dlxgf 2075/76 2076/77c
s= rfn' vftf -20994.1 -24682.2 -24908.5 -26536.0 -7163.9 18.6 -71.2
lgof{t, Pkm=cf]=aL= 8475.7 9347.4 10270.6 11385.1 9830.6 21.2 -4.3
t]n 1120.4 1213.4 1486.2 1598.6 958.6 32.6 -35.5
cGo 7355.3 8133.9 8784.4 9786.5 8872.0 19.4 1.0
cfoft, Pkm=cf]=aL= -109197.2 -122927.2 -128277.6 -139868.5 -108162.8 17.5 -15.7
t]n -15405.6 -17306.7 -19641.4 -21553.9 -15339.9 27.5 -21.9
cGo -93791.7 -105620.5 -108636.2 -118314.7 -92822.9 15.8 -14.6
Jofkf/ ;Gt'ng -100721.5 -113579.9 -118007.0 -128483.4 -98332.2 17.2 -16.7
v'b ;]jf cfo 85.9 169.1 -927.1 -1522.6 -489.3 -1178.8 -47.2
;]jf cfo 15959.6 17663.1 17103.0 18637.2 14124.0 7.2 -17.4
ofqf 6386.2 6852.2 7025.1 7537.4 5785.7 10.0 -17.6
cGoq gk/]sf] ;/sf/L cfo 1902.7 2246.1 2100.3 2184.2 1087.3 10.4 -48.2
cGo 7670.6 8564.8 7977.6 8915.5 7250.9 4.0 -9.1
;]jf e'QmfgL -15873.6 -17494.0 -18030.1 -20159.8 -14613.2 13.6 -19.0
oftfoft -5725.4 -6282.8 -6015.2 -6582.6 -6178.0 5.1 2.7
ofqf -7185.8 -7959.7 -8077.5 -8990.7 -5182.7 12.4 -35.8
h;df lzIff dfq -3422.8 -3808.9 -4098.6 -4632.1 -2516.4 19.7 -38.6
;/sf/L vr{ -246.2 -248.3 -444.9 -470.4 -225.2 80.7 -49.4
cGo -2716.2 -3003.2 -3492.5 -4116.1 -3027.4 28.6 -13.3
Jofkf/ tyf ;]jf If]qsf] ;Gt'ng -100635.6 -113410.8 -118934.2 -130006.0 -98821.5 18.2 -16.9
v'b cfo 2014.7 2261.5 3511.2 3991.6 4380.0 74.3 24.7
cfo k|fKtL 6212.1 6914.3 7338.9 7991.7 6362.2 18.1 -13.3
cfo e'QmfgL -4197.4 -4652.8 -3827.7 -4000.1 -1982.2 -8.8 -48.2
Jofkf/, ;]jf tyf cfo ;Gt'ng -98620.9 -111149.3 -115423.0 -126014.5 -94441.4 17.0 -18.2
v'b 6«fG;km/ 77626.8 86467.1 90514.5 99478.5 87277.5 16.6 -3.6
6«fG;km/ cfo 78167.7 87047.6 91544.9 100558.8 87752.8 17.1 -4.1
cg'bfg 5219.0 6099.5 5838.2 6462.1 4797.5 11.9 -17.8
lghL If]qsf] ljk|]if0f 67973.1 75505.9 79901.7 87927.1 77486.6 17.5 -3.0
k]G;g 4949.5 5415.5 5795.1 6152.8 5383.1 17.1 -7.1
cGo 26.2 26.8 10.0 16.7 85.6 -62.0 758.4
6«fG;km/ e'QmfgL -541.0 -580.5 -1030.4 -1080.3 -475.3 90.5 -53.9
v= k"FhL vftf -k"FhL 6«fG;km/_ 1502.2 1772.2 1387.8 1545.9 1305.1 -7.6 -6.0
hDdf -s±v_ -19491.9 -22910.0 -23520.7 -24990.1 -5858.8 20.7 -75.1
u= ljQLo vftf -;d"x ª afx]s_ 6731.6 10283.4 8459.3 9644.9 19191.8 25.7 126.9
k|ToIf j}b]lzs nufgL cfk|jfx 1586.8 1750.5 1180.4 1306.5 1871.6 -25.6 58.6
kf]6{kmf]lnof] nufgL 0.0 0.0 0.0 0.0 0.0 - -
cGo nufgL ;DklQ -4094.9 -4029.0 -2192.5 -2754.0 46.1 -46.5 -102.1
Jofkfl/s ;fv -42.4 419.4 611.4 1057.0 134.6 -1541.5 -78.0
cGo -4052.5 -4448.3 -2803.9 -3811.0 -88.5 -30.8 -96.8
cGo nufgL bfloTj 9239.7 12561.9 9471.3 11092.4 17274.1 2.5 82.4
Jofkfl/s ;fv 4512.0 5453.5 3068.9 3710.7 5724.2 -32.0 86.5
C0f 6003.0 8444.1 4609.9 6298.7 7778.3 -23.2 68.7
;/sf/ 5684.9 8117.9 4416.6 6143.8 7747.1 -22.3 75.4
C0f k|fKtL 7304.6 9976.8 5934.2 8147.7 9684.2 -18.8 63.2
;fFjf e'QmfgL -1619.7 -1858.9 -1517.5 -2003.9 -1937.1 -6.3 27.6
cGo If]q 318.1 326.3 193.3 154.9 31.1 -39.2 -83.9
s/]G;L tyf l8kf]lh6 -1314.5 -1334.0 1729.4 1063.8 3768.6 -231.6 117.9
g]kfn /fi6« a}+s -17.8 -17.9 3.1 2.7 2.7 -117.2 -11.8
jfl0fHo a}+s -1296.8 -1316.1 1726.4 1061.1 3765.9 -233.1 118.1
cGo bfloTj 39.1 -1.7 63.1 19.1 3.0 61.2 -95.2
hDdf -s±v±u_ -12760.4 -12626.6 -15061.4 -15345.2 13333.0 18.0 -188.5
3= ljljw k"FhL tyf e'nr's 11012.2 11388.7 7708.0 9668.9 8372.8 -30.0 8.6
hDdf -s±v±u±3_ -1748.2 -1238.0 -7353.4 -5676.3 21705.8 320.6 -395.2
ª= l/he{ tyf ;DalGwt lzif{s 1748.2 1238.0 7353.4 5676.3 -21705.8 320.6 -395.2
l/he{ ;DklQ 1804.4 1335.0 7397.3 5764.4 -21618.7 310.0 -392.2
g]kfn /fi6« a}+s -1845.7 -2578.2 10569.3 8085.7 -18917.6 -672.6 -279.0
jfl0fHo a}+s 3650.1 3913.2 -3172.0 -2321.3 -2701.1 -186.9 -14.8
cfO{=Pd=Pkm= shf{ pkof]u -56.2 -97.1 -44.0 -88.1 -87.1 -21.8 98.0
v'b j}b]lzs ;DklQdf kl/jt{g -–j[l4_ 433.7 -96.0 9082.8 6740.1 -17937.2 1994.4 -297.5
c – ckl/is[t
tflnsf !*
a}lsË If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
-?= s/f]8df_
k|ltzt kl/jt{g
c;f/ h]7 c;f/ h]7
c -c;f/ –h]7_
@)&% @)&^ @)&^ @)&& @)&%÷&^ @)&^÷&&

s_ g]kfn /fi6« a}+s -!±@_ 102010.6 91966.3 93705.2 118938.6 -9.8 26.9
!= ;'g, P;=l8=cf/=, cfOPdPkmdf /x]sf] l/hj{ 3071.0 3383.1 3460.8 4660.3 10.2 34.7
@= ljb]zL ljlgdo ;l~rlt 98939.6 88583.2 90244.4 114278.3 -10.5 26.6
kl/jTo{ 73763.2 64930.2 66790.2 83286.1 -12.0 24.7
ckl/jTo{ 25176.4 23653.0 23454.2 30992.2 -6.1 32.1
v_ a}+s tyf ljQLo ;+:yf * 11318.9 14504.8 13647.5 16367.8 28.1 19.9
kl/jTo{ 10200.7 13222.6 12551.5 15403.0 29.6 22.7
ckl/jTo{ 1118.2 1282.2 1096.0 964.7 14.7 -12.0
u_ s'n ljb]zL ljlgdo ;l~rlt 110258.5 103088.0 103891.9 130646.1 -6.5 25.8
kl/jTo{ 83963.9 78152.8 79341.7 98689.2 -6.9 24.4
s'n ;l~rltdf c+z -k|ltztdf_ 76.2 75.8 76.4 75.5 - -
ckl/jTo{ 26294.6 24935.2 24550.1 31956.9 -5.2 30.2
s'n ;l~rltdf c+z -k|ltztdf_ 23.8 24.2 23.6 24.5 - -
3_ s'n a}b]lzs ;DklQ -s±v_ 113329.5 106471.1 107352.7 135306.3 -6.1 26.0
cfoft Ifdtf -dlxgfdf_
s'n ljb]zL ljlgdo ;l~rlt
j:t' 10.8 8.8 8.9 13.3 - -
j:t' tyf ;]jf 9.4 7.7 7.8 11.7 - -
s'n a}b]lzs ;DklQ
j:t' 11.1 9.1 9.2 13.8 - -
j:t' tyf ;]jf 9.7 8.0 8.1 12.1 - -
ª_ j}b]lzs bfloTj 7900.4 9585.9 8874.3 12555.8 21.3 41.5
r_ v'b j}b]lzs ;DklQ -3-ª_ 105429.2 96885.2 98478.3 122750.5 -8.1 24.6
**
5_ v'b j}b]lzs ;DklQdf kl/jt{g -ljlgdo d"Nof+sg ;dfof]hg k"j{_ -3965.7 8544.0 6950.9 -24272.2 - -
h_ ljb]zL ljlgdo d"Nof+sg --3f6f_ 3869.7 538.8 -210.8 6335.0 - -
***
em_ v'b j]b]lzs ;DklQdf kl/jt{g --j[l4_ -5+h_ -96.0 9082.8 6740.0 -17937.2 - -
d;fGtsf] vl/b b/ -k|lt cd]l/sL 8n/_M 109.34 111.39 109.36 121.05
c – ckl/is[t
*
g]kfn /fi6« a}+saf6 O{hfhtk|fKt æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx?
**
v'b j}b]lzs ;DklQsf] kl/jt{g c;f/ d;fGtsf] tYofÍnfO{ cfwf/ dfgL lnOPsf] / -–_ lrGxn] j[l4 ePsf] hgfp5 .
***
ljb]zL ljlgdo d"Nof+sg gfkmf÷3f6f ;dfof]hg kZrft .
tflnsf !(
ljb]zL d'b|f vl/b÷laqmL
-/sd s/f]8df_
kl/jTo{ ljb]zL d'b|f vl/b÷ laqmL ef?= vl/b
@)&%÷&^ @)&^÷&&
@)&%÷&^ @)&^÷&&
dlxgf vl/b laqmL v'b t/ntf k|jfx÷k|zf]rg vl/b laqmL v'b t/ntf k|jfx÷k|zf]rg
cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/
?= s/f]8df ?= s/f]8df ?= s/f]8df ?= s/f]8df ?= s/f]8df ?= s/f]8df ef? Vl/b ef? Vl/b
s/f]8df s/f]8df s/f]8df s/f]8df s/f]8df s/f]8df laqmL laqmL
;fpg 15.8 1,740.5 7.0 771.9 8.8 968.7 18.2 2,052.1 0.4 40.9 17.9 2,011.2 2,204.0 32.0 2,925.5 42.0
ebf} 19.2 2,178.4 - - 19.2 2,178.4 28.2 3,234.5 - - 28.2 3,234.5 2,842.2 40.0 2,581.0 36.0
c;f]h 41.9 4,928.2 - - 41.9 4,928.2 43.8 4,976.1 - - 43.8 4,976.1 2,202.6 30.0 1,992.4 28.0
sflQs 18.0 2,110.7 - - 18.0 2,110.7 30.2 3,433.8 - - 30.2 3,433.8 2,632.0 36.0 2,561.3 36.0
d+l;/ 21.8 2,477.9 - - 21.8 2,477.9 21.9 2,502.8 - - 21.9 2,502.8 2,545.7 36.0 2,289.2 32.0
k'; 29.9 3,364.9 - - 29.9 3,364.9 27.9 3,181.5 - - 27.9 3,181.5 2,970.9 42.4 1,997.3 28.0
df3 32.8 3,736.8 - - 32.8 3,736.8 31.7 3,605.9 - - 31.7 3,605.9 2,279.7 32.0 2,845.2 40.0
kmfu'g 24.6 2,790.4 - - 24.6 2,790.4 47.9 5,572.1 - - 47.9 5,572.1 2,412.0 34.0 2,597.3 36.0
r}t 24.1 2,665.9 - - 24.1 2,665.9 16.7 2,005.4 - - 16.7 2,005.4 2,346.2 34.0 2,091.3 28.0
a}zfv 35.8 3,986.3 - - 35.8 3,986.3 34.1 4,141.8 - - 34.1 4,141.8 2,364.8 34.0 915.9 12.0
h]7 34.7 3,864.1 - - 34.7 3,864.1 58.0 7,010.9 - - 58.0 7,010.9 2,783.0 40.0 2,267.7 30.0
c;f/ 27.3 3,018.7 - - 27.3 3,018.7 62.5 7,548.0 - - 62.5 7,548.0 2,349.4 34.0 2,569.1 34.0
325.9 36,862.8 7.0 771.9 318.9 36,091.0 421.0 49,265.0 0.4 40.9 420.6 49,224.2 29,932.7 424.4 27,633.2 382.0

Monetary Policy - Full Text PDF

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Monetary Policy - Full Text PDF

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cfly{s jif{ @)&&÷&* sf]

g]kfn /fi6« a}+s

cfly{s jif{ @)&&÷&* sf]

g]kfn /fi6« a}+s

kxF'rdf ;xhLs/0f ug'{kg]{ / ljQLo ;fwgnfO{ pBdzLntf ljsf;, pTkfbg clej[l4

;Demf}tLt art kl/rfng

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] ;dLIff

(Agricultural Bond)hf/L ug{;Sg] Joj:yf ldnfOg] 5 . o; Joj:yfn] s[lif If]qdf

ljQLo If]q ;'b[9Ls/0f

lgodg tyf ;'kl/j]If0f

;DaGwL Joj:yfdf @)&* c;f/ d;fGt;Ddsf] nflu b]xfo adf]lhd yk nrstf

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

s= t/ntf k|jfx 14,566.5 32,248.9 21,915.5

@)&% @)&^ @)&^ @)&& @)&%÷&^ @)&^÷&&

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