g]kfn /fi6« a}+s /fi6« C0f Joj:yfkg dfu{bz{g, @)&$

g]kfn /fi6« a}+s P]g, @)%* sf] bkmf !!) sf] pkbkmf -#_ n] lbPsf] clwsf/ k|of]u
u/L g]kfn /fi6« a}+ssf ueg{/åf/f b]xfosf] /fi6« C0f Joj:yfkg dfu{bz{g hf/L ul/Psf] 5 .
kl/R5]b–!
k|f/lDes
!= ;+lIfKt gfd / k|f/DeM -!_ o; dfu{bz{gsf] gfd æg]kfn /fi6« a}s
+ /fi6« C0f Joj:yfkg
dfu{bz{g, @)&$Æ /x]sf] 5 .
-@_ of] dfu{bz{g t'?Gt k|f/De x'g]5 .
@= kl/efiffM ljifo jf k|;+un] csf]{ cy{ gnfu]df o; dfu{bz{gdf,–
-s_ æP]gÆ eGgfn] g]kfn /fi6« a}+s P]g, @)%* -bf];|f] ;+zf]wg @)&#_ ;Demg' k5{ .
-v_ æ/fi6« C0f P]gÆ eGgfn] /fi6« C0f P]g, @)%( ;Demg' k5{ .
-u_ ælgodfjnLÆ eGgfn] /fi6« C0f lgodfjnL, @)%( -bf];|f] ;+zf]wg @)^& ;lxt_
;Demg' k5{ .
-3_ æljlgodfjnLÆ eGgfn] g]kfn /fi6« a}+s v'nf ahf/ sf/f]af/ ljlgodfjnL, @)&!
;Demg' k5{ .
-ª_ æsd{rf/L ;]jf ljlgodfjnLÆ eGgfn] g]kfn /fi6« a}s + sd{rf/L ;]jf ljlgodfjnL,
@)^* -bf];|f] ;+zf]wg @)&@ ;lxt_ ;Demg' k5{ .
-r_ æa}+sÆ eGgfn] P]gsf] bkmf # adf]lhd :yfkgf ePsf] g]kfn /fi6« a}+s ;Demg' k5{ .
-5_ æueg{/Æ eGgfn] P]gsf] bkmf !% adf]lhd lgo'Qm a}+ssf] ueg{/ ;Demg' k5{ .
-h_ æ8]k'6L ueg{/Æ eGgfn] P]gsf] bkmf !^ adf]lhd lgo'Qm a}+ssf] 8]k'6L ueg{/
;Demg' k5{ .
-em_ æ;~rfns ;ldltÆ eGgfn] P]gsf] bkmf !$ adf]lhd u7g ePsf] a}+ssf] ;~rfns
;ldlt ;Demg' k5{ .
-`_ æv'nf ahf/ ;~rfng ;ldltÆ eGgfn] /fi6« C0f lgisfzg ;DaGwL sfo{ ug{sf]
nflu lgodfjnLsf] lgod !& sf] pklgod -!_ adf]lhd u7g ePsf] v'nf ahf/
;~rfng ;ldlt ;Demg' k5{ .
-6_ æv'nf ahf/ sf/f]af/ ;~rfng ;ldltÆ eGgfn] g]kfn /fi6« a}+s v'nf ahf/ sf/f]af/
ljlgodfjnL, @)&! sf] ljlgod # sf] pkljlgod -!_ adf]lhd u7g ePsf] v'nf
ahf/ sf/f]af/ ;~rfng ;ldlt ;Demg' k5{ .
-7_ æljefuÆ eGgfn] a}+ssf] /fi6« C0f Joj:yfkg ljefu ;Demg' k5{ .

/fi6«C0f Joj:yfkg dfu{bz{g @)&$, >Ldfg\ ueg{/Ho"af6 ldlt @)&$÷===÷=== ut] :jLs[t eO{ nfu' ePsf] xf] .
-8_ æk|d'vÆ eGgfn] ljefusf] k|d'vsf] ?kdf sfdsfh ug{ tf]lsPsf] kbflwsf/L
;Demg' k5{ .
-9_ æa}lsª sfof{noÆ eGgfn] a}+ssf] a}lsª sfof{no, sf7df8f}+ ;Demg' k5{ .
-0f_ æsd{rf/LÆ eGgfn] a}s + ;]jfsf] kbdf axfn /x]sf] JolQm ;Demg' k5{ .
-t_ æ/fi6« C0fÆ eGgfn] ;/sf/L ljQsf] ;d'lrt Joj:yfkg ug{sf nflu k|rlnt
sfg"gsf] cwLgdf /xL Ps} k6s jf k6s k6s u/L Ps jf a9L k|sf/sf C0fkq
lgisfzg u/L g]kfn ;/sf/sf] nflu p7fOPsf] /fi6« C0f ;Demg' k5{ .
-y_ æC0fkqÆ eGgfn] g]kfn ;/sf/n] /fi6« C0f P]g adf]lhd lgisfzg ug]{ b]xfosf
C0fkqsf ;fy} ljutdf lgisflzt lao// a08, k|fOh a08 / ljz]if C0fkq klg
;Demg' k5{ / ;f] zAbn] Aofh e'QmfgL k'hf{nfO{ ;d]t hgfpF5M–
-!_ 6«]h/L lan
-@_ ljsf; C0fkq
-#_ /fli6«o artkq
-$_ gful/s artkq
-%_ j}b]lzs /f]huf/ artkq
-^_ a}+sn] g]kfn ;/sf/sf] :jLs[lt lnO{ jf lgb]{zg adf]lhd lgisfzg ug]{
cGo s'g} C0fkq .
-b_ æ:6sÆ eGgfn] a}+ssf] vftfdf btf{ /xg] / btf{ u/fO{ gfd;f/L ug'{kg]{ C0fkq
;Demg' k5{ .
-w_ æk|ldz/L gf]6Æ eGgfn] 3/fo;L b/kL7 u/L gfd;f/L ug{ ;lsg] C0fkq ;Demg' k5{
/ ;f] zAbn] 6«]h/L lan ;d]tnfO{ hgfpF5 .
-g_ ælao// a08Æ eGgfn] C0fkqsf] k|df0fkq lnO{ cfpg]nfO{ e'QmfgL lbg' kg]{ C0fkq
;Demg' k5{ .
-k_ æk|fOh a08Æ eGgfn] wgLn] Aofhsf] /sddWo] ;a} jf s]xL lr¶fåf/f tf]lsP
adf]lhd kfpg] C0fkq ;Demg' k5{ .
-km_ æwgLÆ eGgfn] C0fkq vl/b u/L jf cGo s'g} k|sf/n] C0fkqdf xs k|fKt ug]{
:jb]zL jf u}/ cfjf;Lo g]kfnL gful/s ;Demg' k5{ .
-a_ æC0fkqsf] d'Vo efuÆ eGgfn] C0fkqsf] gfd, C0fkqsf] qmd;+Vof,
kf]6{kmf]lnof] gDa/, C0fkqsf] c+lst d"No, C0fkqsf] Aofh b/ -k|ltzt_, Aofh
/sd, wgLsf] b:tvt, C0fkq k|dfl0ft ug]{ clwsf/Lsf] b:tvt tyf 5fk, C0fkq
wgLsf] gfd n]lvPsf] jf gfd;f/L ePsf] ljj/0f pNn]v ePsf] C0fkq jf To;sf]
s'g} c+z ;Demg' k5{ .
-e_ æljs[t C0fkqÆ eGgfn] C0fkqsf] d'Vo efu jf cGo efux? RofltO{ jf cGo
tl/sfaf6 gi6 ePsf] jf gf]S;fg ePsf] jf 5kfO{ cz'l4 ePsf] jf ;fFjf Aofh
e'QmfgL tyf ;fFjf Aofh cjlw km/s k/]sf cflb C0fkq ;Demg' k5{ .

2
 -d_ æx/fPsf] C0fkqÆ eGgfn] C0fkq wgLsf] sAhfdf g/x]sf] C0fkq ;Demg' k5{ .
-o_ æc:ki6 C0fkqÆ eGgfn] C0fkqsf] d'Vo efu s'g} sf/0faf6 ga'lemg] ePsf] C0fkq
;Demg' k5{ .
-/_ æb/kL7Æ eGgfn] C0fkqsf] cufl8 jf k5fl8 jf To;;fy ;+nUg s'g} lnvt jf
sfuhdf ;f] pks/0f lalgd]o ug]{ p2]Zon] ;xL5fk ug]{ sfdnfO{ ;Demg' k5{ .
-n_ ær]sÆ eGgfn] dfu ugf{;fy e'QmfgL lbg' egL s'g} a}+s pk/ lvlrPsf] lalgd]o
kq ;Demg' k5{ .
-j_ æsfp06/kf6L{Æ eGgfn] a}+sn] df}lb|s gLlt ;DaGwL k|ltj]bg dfkm{t sfp06/kf6L{
egL tf]lslbPsf a}s+ tyf ljQLo ;+:yf ;Demg' k5{ .
-z_ æahf/ lgdf{tfÆ eGgfn] tf]lsPsf C0fkqsf] k|fylds tyf bf];|f] ahf/ sf/f]af/
/ j}b]lzs /f]huf/ artkqsf] bf];|f] ahf/ sf/f]af/ ug{ ljefuaf6 Ohfhtkqk|fKt
;+:yf ;Demg' k5{ .
-if_ ælaqmL Ph]06Æ eGgfn] j}b]lzs /f]huf/ artkqsf] k|fylds sf/f]af/ ug{sf] nflu
ljefuaf6 Ohfhtkqk|fKt ;+:yfnfO{ ;Demg' k5{ .
-;_ æclVtof/ k|fKt clwsf/LÆ eGgfn] ljefuLo clVtof/ k|Tofof]hg eP adf]lhd
sfo{ ;Dkfbg ug{ clwsf/ kfPsf ljefusf sd{rf/L ;Demg' k5{ / ;f] zAbn]
ljefuLo k|d'v ;d]tnfO{ hgfpF5 .
-x_ ætf]lsPsf] jf tf]lsP adf]lhdÆ eGgfn] a}+ssf] ;DalGwt sfof{non] P]g tyf
;f] cGtu{t hf/L ul/Psf lgod, ljlgod, cfb]z, lgb]{z, ;"rgf tyf kl/kqdf
tf]lsPsf] jf tf]lsP adf]lhd ;Demg' k5{ .
-If_ ælgodfg';f/Æ eGgfn] /fi6« C0f ;DaGwL k|rlnt sfg"g / ;f] cGtu{t hf/L
ul/Psf lgod, ljlgod, cfb]z, lgb]{z, ;"rgf tyf kl/kqdf plNnlvt Joj:yf
adf]lhd ul/g] sfo{ ;Demg' k5{ .
#= afwf c8\sfp k'msfpg]M o; dfu{bz{g adf]lhd sfo{ ;Dkfbg ubf{ s'g} afwf c8\sfp
k/]df ueg{/n] To:tf] afwf c8\sfp k'msfpg ;Sg]5 .
$= AofVof ug]{ clwsf/M o; dfu{bz{gsf] AofVof ug]{ clwsf/ ueg{/df /xg]5 .

kl/R5]b–@
/fi6« C0f sf/f]af/;Fu ;DalGwt P]g lgoddf /x]sf] Joj:yf
%= P]gdf /x]sf] Joj:yfM /fi6« C0f sf/f]af/sf] ;DaGwdf P]gdf ePsf] Joj:yf / a}+sn]
;Dkfbg ub}{ cfPsf] lhDd]jf/L b]xfo adf]lhd /x]sf] 5M–
-s_ P]gsf] bkmf $ sf] pkbkmf -!_ sf] v08 -s_ adf]lhd æcy{tGqsf] lbuf]
ljsf;sf] lgldQ d"No / zf]wgfGt/ l:y/tf sfod ug{sf] nflu cfjZos df}lb|s
tyf ljb]zL ljlgdo gLlt lgdf{0f u/L ;f] sf] Joj:yfkg ug]{Æ tyf ;f]xL
pkbkmfsf] v08 -v_ adf]lhd æa}+lsª tyf ljQLo If]qsf] cfjZos t/ntfnfO{
k|j4{g ug]{Æ a}+ssf] p2]Zo /x]sf] 5 . To:t} a}+ssf] sfd st{Jo / clwsf/sf
3
 ;DaGwdf P]gsf] bkmf % sf] pkbkmf -!_ sf] v08 -v_ df æd"No l:y/tf
sfod ug{ cfjZos df]lb|s gLlt th'{df ug]{ / ;f] gLlt sfof{Gjog ug]{ u/fpg]Æ
Joj:yf /x]sf] 5 .
-v_ df}lb|s gLlt lgdf{0f / ;f] sf] k|efjsf/L sfof{Gjog ug]{ lhDd]jf/LnfO{
cem lj:t[t ?kdf v'n:t kfg{ P]gsf] bkmf $% df v'nf ahf/ ;~rfng ug{
;Sg] Joj:yf ul/Psf] 5 . v'nf ahf/sf] sf/f]af/ ;~rfng ug]{ qmddf
g]kfn ;/sf/sf] tkm{af6 jf a}s + cfkm}n] hf/L u/]sf C0fkqsf] lgisfzg, laqmL
ljt/0f Pjd\ vl/b h:tf sfo{ ljefun] ug]{5 .
-u_ P]gsf] bkmf ^( sf] pkbkmf -#_ df æk|To]s jif{ g]kfn ;/sf/n] jflif{s ah]6 tof/
ubf{ /fi6« C0f nufot clwljsif{sf] ;DaGwdf a}+s;Fu k/fdz{ lng]5Æ egL pNn]v
eP adf]lhd ;du| cfly{s / df}lb|s kl/;"rsx?sf] cWoog u/L ;/sf/L ljQLo
gLlt;Fu cGt/–;DaGw sfod u/]/ ;/sf/åf/f kl/nlIft cfly{s p2]Zo xfl;n ug{
;d]t ;xof]u k'Ug] u/L /fi6« C0f p7fpg l;kmfl/z ug]{ sfo{ a}+sn] ug]{5 .
^= /fi6« C0f P]gdf /x]sf] Joj:yfM /fi6« C0f P]gsf] bkmf % sf] pkbkmf -!_ adf]lhd æ/fi6«
C0f Joj:yfkg ;DaGwL ;Dk"0f{ sfo{ g]kfn ;/sf/sf] tkm{af6 a}+sn] ug]{Æ egL pNn]v
ul/P cg'?k g]kfn ;/sf/sf] tkm{af6 lgisfzg ul/g] C0fkqsf] k|sf/, ;fFjf tyf Aofh
e'QmfgLsf] tl/sf, gfd;f/L, kl/jt{g, v08Ls/0f, PsLs/0f / gjLs/0fsf ;fy} ljefun]
b]xfosf ljifo;Fu ;DalGwt sfo{x? ;d]t ;Dkfbg ug]{5M–
-s_ /fi6« C0f Joj:yfkg ;Demf}tf,
-v_ C0fkqsf] gfd;f/L,
-u_ C0fkq wgLsf] OR5fkq ;DaGwL Joj:yf,
-3_ ;/sf/L sfof{no jf ;+ul7t ;+:yfn] vl/b u/]sf] C0fkqsf] n]vfª\sg,
-ª_ C0fkq wgLsf] dgf]gog,
-r_ C0fkqwgL gfjfns jf ax'nfPsf] ePdf ;+/Ifs x'g] Joj:yf, /
-5_ cGo ljifox? .
&= lgodfjnLsf] Joj:yfM C0f p7fpFbfsf] qmddf 3f]lift zt{ / ;'ljwf cg';f/
C0fkqwgLnfO{ ;]jf k|bfg ug{ / o; ljifo;Fu ;DalGwt cGo s'/fx? ;d]t lgod;Ddt
9+un] ;Dkfbg ug]{ clek|fon] /fi6« C0f P]gsf] bkmf @) n] lbPsf] clwsf/ k|of]u u/L
g]kfn ;/sf/n] hf/L u/]sf] lgodfjnLn] dfu{bz{g u/]sf b]xfosf ljifodf tf]s]adf]lhd
/fi6« C0f p7fpg ljleGg C0fkq hf/L ug]{, tL C0fkqx?sf] ;fFjf tyf Aofhsf] e'QmfgL
lbg] tyf o; ljifo;Fu ;DalGwt b]xfo cg';f/sf sfo{ u/L ;Dk"0f{ clen]v /fVg]
sfo{ ljefun] ug]{5M–
-s_ C0fkq / Aofh e'QmfgL k'hf{sf] 9fFrf,
-v_ C0fkq lgisfzg ug]{ sfo{ljlw,
-u_ C0fkq v/Lb ug{ kfpg] ;Ldf,
-3_ C0fkqsf] gfd;f/L ug]{ tl/sf,
4
 -ª_ C0fkqsf] ;fFjf tyf Aofh e'QmfgL lbOg] tl/sf,
-r_ C0fkqsf] k|ltlnlk,
-5_ C0fkqsf] gjLs/0f,
-h_ C0fkq kl/jt{g, v08Ls/0f, PsLs/0f / k|df0fLs/0f,
-em_n]vk9 ug{ ghfGg] JolQm C0fkqsf] wgL x'Fbf C0fkqsf] vftf ;~rfng ug]{,
-`_ wgLn] C0fkqsf] ;fFjf tyf Aofh e'QmfgL lng gcfPdf 5'§} vftfdf /sd hDdf
ug],{
-6_ gfjfnssf] tkm{af6 ;+/Ifsn] C0fkq vl/b ug{ ;Sg],
-7_ ax'nfPsf] JolQmsf] C0fkqsf] ;Ffjf tyf Aofh e'QmfgL,
-8_ OR5fkq agfpg] ;DaGwL Joj:yf,
-9_ af]nkq cfXjfg ug]{ sfo{ljlw /
-0f_ C0fkqsf] bf];|f] ahf/ sf/f]af/ .
*= /fi6« C0f p7fpg] P]gM k|To]s cfly{s jif{sf] lgldQ g]kfn ;/sf/n] p7fpg ;Sg]
s'n /fi6« C0fsf] ;Ldf o; P]gn] lgwf{/0f u/] adf]lhd x'g]5 .

kl/R5]b–#
ljefusf] kl/ro, ;+u7gfTds :j?k / sfo{x?
(= ljefusf] ;+lIfKt kl/roM -!_ g]kfn ;/sf/sf] tkm{af6 /fi6« C0f Joj:yfkg ug]{ sfo{
/fi6« C0f P]g, @)!& nfu" ePkZrft\ a}+sn] ljqmd ;+jt @)!* ;fnb]lv g} ;Dkfbg ub}{
cfPsf] 5 . ljqmd ;+jt @)@# ;fndf ;f] sfo{ ug{sf nflu a}+sdf /fi6« C0f Joj:yfkg
ljefusf] :yfkgf ePsf] xf] . xfn /fi6« C0f P]g, @)%( sf] bkmf % n] lbPsf] clwsf/
k|of]u u/L g]kfn ;/sf/sf] nflu cfjZos kg]{ /fi6« C0f -cfGtl/s C0f_ p7fpg] tyf
;f]sf] Joj:yfkg ug]{ sfo{ ljefun] ub}{ cfO/x]sf] 5 . o;sf ;fy} ljefun] v'nf ahf/
sf/f]af/sf ljleGg pks/0fx? k|of]u u/L a}+lsª k|0ffnLsf] t/ntf Joj:yfkgsf] sfo{
nufot cNksfnLg t/ntf ;d:of ;dfwfgsf nflu :yfoL t/ntf ;'ljwf k|bfg ug]{ sfo{
;d]t ub}{ cfPsf] 5 .
-@_ b]zsf] cfwf/e"t ;+/rgf tyf ef}lts k"jf{wf/x?sf] cfwf/–:tDe lgdf{0f ug{
;/sf/nfO{ cfjZos kg]{ k"FhLsf] cfk"lt{ b]zleqaf6 ;+slnt /fhZj /sd, afx\o C0f
tyf cg'bfg / /fi6« C0faf6 ug]{ ul/G5 . /fi6« C0f p7fpg] sfo{sf] z'?jft cfly{s
jif{ @)!*÷!( b]lv ePsf] xf] . xfn;Dd 6«]h/L lan nufot k|fOh a08, lao// a08,
Ifltk"lt{ a08, ljsf; C0fkq, ljz]if C0fkq, /fli6«o artkq, gful/s artkq /
j}b]lzs /f]huf/ artkq hf/L ePsf 5g\ . ljqmd ;Djt\\ @)$% ;fn k"j{ lgisfzg
ePsf ;a} C0fkqx? lglZrt Aofhb/n] tf]lsPsf] ldltdf ;fFjf Aofh e'QmfgL lbg] u/L
c+lst d"Nodf lgisfzg ePsf] b]lvG5 .
-#_ a}+sn] ;+rfng ub}{ cfPsf] C0fkqsf] k|fylds tyf bf];|f] ahf/ sf/f]af/nfO{ ;j{;'ne
agfpg cfly{s jif{ @)%!÷%@ b]lv tf]lsPsf] dfkb08 k"/f u/]sf jfl0fHo a}+s tyf ljQLo
5
 ;+:yfx?nfO{ ahf/ lgdf{tfsf] Ohfhtkq lbO{ C0fkqsf] k|fylds / bf];|f] ahf/sf]
sf/f]af/ ug]{ cg'dlt k|bfg ul/Psf] lyof] . o;}u/L j}b]lzs /f]huf/ artkqsf] k|fylds
sf/f]af/ ug{sf] lgldQ tf]lsPsf] dfkb08 k"/f u/]sf OR5's ;+:yfnfO{ laqmL Ph]06sf]
Ohfhtkq k|bfg ul/g] Joj:yf /x]sf] 5 . t/, 6«]h/L lan / ljz]if C0fkqsf] k|fylds
tyf bf];|f] ahf/ sf/f]af/sf] nflu ;+:yfut Joj:yf ePsf] 5}g .
-$_ df}lb|s clwsf/Lsf] ?kdf /x]sf] a}+såf/f hf/L ul/g] df}lb|s gLlt sfof{Gjog ug]{ sfo{
cGtu{t ljleGg df}lb|s pks/0fx? k|of]u u/L a}+lsª If]qsf] t/ntf Joj:yfkg ug]{ sfo{
;d]t ljefuaf6 x'g] u/]sf] 5 . xfn a}+sn] l/kf], l/e;{ l/kf], ;f]em} laqmL, ;f]em} v/Lb,
lgIf]k ;+sng tyf g]kfn /fi6« a}+s C0fkq dfkm{t t/ntf Joj:yfkgsf] sfo{ ub}{ cfPsf]
5 . ;fy} :yfoL t/ntf ;'ljwf dfk{mt\\ cNksfnLg t/ntf ;d:of ;dfwfg ug]{ sfo{ ;d]t
ljefun] ub}{ cfPsf] 5 .
!)= ;ldltsf] Joj:yfM ljefudf /fi6« C0f Joj:yfkg / t/ntf Joj:yfkgsf] nflu 8]k'6L
ueg{/ -ljefu x]g]{_ n] cWoIftf ug]{ lgDg cg';f/sf b'O{ 5'§f5'§} ;ldltx? /x]sf 5g\M–
-s_ v'nf ahf/ ;~rfng ;ldltM /fi6« C0f Joj:yfkg sfo{sf] nflu ul7t o; ;ldltn]
C0fkqx?sf] af]nsaf]n, lgisfzg tyf Joj:yfkg ;DaGwL lg0f{o ug]{ ub{5 . tL lg0f{ox?
P]g, lgod, ljlgod sf ;fy} ;f];Fu ;DalGwt ljleGg :jLs[t sfo{ljlw cg'?k x'g]
ub{5g\ . o; ;ldltdf 8]k'6L ueg{/sf ;fy} g]kfn ;/sf/ cy{ dGqfnosf] k|ltlglw -
/fhkqf+lst k|yd >]0fL_, a}+ssf] /fi6« C0f Joj:yfkg ljefu, cg';Gwfg ljefu, a}+s tyf
ljQLo ;+:yf lgodg ljefu tyf a}+lsª sfof{nosf ljefuLo k|d'vx? ;b:o / ljefusf]
lgb]{zs -6«]h/L x]g]{_ ;b:o–;lrj /xg] Joj:yf /x]sf] 5 . o; ;ldltn] cfˆgf] a}7sdf
cfjZostf cg';f/ ljz]if1 jf sd{rf/LnfO{ cfdGq0f ug{ ;Sg] Joj:yf /x]sf] 5 .
-v_ v'nf ahf/ sf/f]af/ ;~rfng ;ldltM o; ;ldltn] ljlgodfjnLsf ;fy} ;DalGwt
sfo{ljlw tyf cGo cfly{s kl/;"rsx?sf] cfwf/df t/ntf Joj:yfkg ug{ k|of]u x'g]
pks/0fx?sf] af]nsaf]n, lgisfzg tyf Joj:yfkg ;DaGwL lg0f{o ug]{ ub{5 . o;
;ldltdf 8]k'6L ueg{/sf ;fy} g]kfn ;/sf/, cy{ dGqfnosf] k|ltlglw -/fhkqf+lst k|yd
>]0fL_, a}+ssf] /fi6« C0f Joj:yfkg ljefu / cg';Gwfg ljefusf ljefuLo k|d'vx? ;b:o
/ ljefusf] lgb]{zs -df}lb|s x]g]{_ ;b:o–;lrj /xg] Joj:yf /x]sf] 5 . o; ;ldltn]
cfˆgf] a}7sdf cfjZostf cg';f/ ljz]if1 jf sd{rf/LnfO{ cfdGq0f ug{ ;Sg] Joj:yf
/x]sf] 5 .
!!= ljefusf] ;+u7gfTds :j?k / cfGtl/s sfo{ ;+rfngM C0fkq Pjd\ t/ntf
Joj:yfkg sfo{nfO{ ;Ifd Pj+ k|efjsf/L ?kn] ;+rfng ug{ ljefudf 6«]h/L, gLlt
of]hgf tyf cfGtl/s k|zf;g kmfF6, lgisfzg tyf Joj:yfkg kmfF6, n]vf tyf zf]wegf{
kmfF6 / df}lb|s Joj:yfkg kmfF6sf] Joj:yf ul/Psf] 5 . kmfF6x?sf] sfo{ ;+rfng ljlw
kl/R5]b–$ b]lv kl/R5]b–& df pNn]v ePadf]lhd x'g5 ] . ljefusf] ;+u7gfTds
:j?k cg';"rL–! df pNn]v ul/Psf] 5 . ;f] ;+u7 g f T d s :j?kdf cfjZostf
cg';f/ k|d'vaf6 ;do–;dodf kl/jt{g ug{ ;lsg]5 .
!@= ljefuaf6 ;Dkfbg x'g] sfo{x?M C0fkqsf] lgisfzg tyf Joj:yfkg ;DaGwL sfo{
;Dkfbg / a}+ssf] t/ntf Joj:yfkg ;DaGwL sfo{ ubf{ ljefun] ;/sf/sf] a}+s/,
cfly{s ljifosf] ;Nnfxsf/ / ljQLo Ph]06sf] ?kdf b]xfo adf]lhdsf sfo{x? ug]{ u/]sf]
5M–
6
-s_ /fi6« C0f Joj:yfkgsf] nflu ;Nnfx lbg]M P]gsf] bkmf % sf] pkbkmf -!_ sf] v08
-5_ cg';f/ ;/sf/sf] a}+s/, ;Nnfxsf/ tyf ljQLo Ph]06sf] ?kdf sfo{ ug'{sf
;fy;fy} bkmf ^( sf] pkbkmf -#_ cg';f/ k|To]s jif{ ;/sf/n] jflif{s ah]6 tof/
ug]{ qmddf /fi6« C0f nufot clwljsif{sf] ;DaGwdf a}+s;Fu k/fdz{ lng]
Joj:yf eP cg'?k ljefun] /fi6« C0fsf] s'n bfloTj, e'QmfgL ug'{kg]{ /sd,
cfjZos kg]{ /sd, cNksfnLg tyf bL3{sfnLg C0fkq lgisfzg k|lqmof tyf
Aofhb/ ;DaGwL /fo ;Nnfx / l;kmfl/z ug]{ sfo{ ub}{ cfPsf] 5 .
-v_ ljQLo Ph]06sf] ?kdf sfo{ ug]{M P]gsf] bkmf &@ df Joj:yf ul/Pcg';f/ g]kfn
;/sf/sf] tk{maf6 a}+såf/f hf/L ul/Psf C0fkqsf] vl/b laqmL, ahf/ Joj:yfkg,
gfd;f/L, ;fFjf, Aofh tyf sldzg e'QmfgL / o; ;DaGwL ;Dk"0f{ clen]v /fVg]
sfo{ ljefun] ub}{ cfPsf] 5 . ;/sf/sf] ljQLo Ph]06 eO{ /fi6« C0f ;DaGwL ;Dk"0f{
Joj:yfksLo sfo{ u/] jfkt g]kfn ;/sf/ / a}+saLr ePsf] ;Demf}tf adf]lhd
a}+sn] kfpg' kg]{ / ahf/ lgdf{tf tyf laqmL Ph]06nfO{ k|bfg ug'{kg]{ sldzg /sd
dxfn]vf lgoGqs sfof{no;Fu dfu ug]{ sfo{ ;d]t ljefun] ub}{ cfPsf] 5 .
-u_ C0fkq Joj:yfkg ;DaGwL sfo{x?M C0fkqsf] Joj:yfkg cGtu{t ljefun]
b]xfoadf]lhdsf sfo{x? ;Dkfbg ug]{ ub{5M–
-!_ C0fkqx?sf] lgisfzg ug]{, af]nsaf]n u/fpg], /sd k|fKt ug]{ ,
-@_ k|fKt /sd g]kfn ;/sf/sf] cfGtl/s C0f vftfdf hDdf ug]{,
-#_ e'QmfgL ldlteGbf cufj} ;fFjf tyf Aofh /sd g]kfn ;/sf/;Fu dfu u/L
e'QmfgL ldltdf C0fkq wgLx?nfO{ e'QmfgL ug]{ Joj:yf ldnfpg],
-$_ a}+s tyf ljQLo ;+:yfx?af6 e'QmfgL ePsf] C0fkqsf] ;fFjf tyf Aofh /sd
zf]wegf{ k|bfg ug]{,
-%_ lgisfzg tyf e'QmfgL ePsf C0fkqx?sf] clen]v /fVg],
-^_ C0fkqsf] k|df0fkq tof/ u/L ljt/0f ug]{, cfjZostf cg';f/ gfd;f/L,
PsLs/0f, v08Ls/0f tyf k|df0fLs/0f ug]{,
-&_ C0fkqx?sf] bf];|f] ahf/ sf/f]af/sf] Joj:yfkg tyf sf/f]af/ /fkm;fkm ug]{ .
-3_ t/ntf÷df}lb|s Joj:yfkgM df}lb|s gLlt sfof{Gjogsf] nflu ul/g] df}lb|s
Joj:yfkgsf] sfo{ cGtu{t d'Vo ?kdf a}+lsª If]qsf] t/ntfnfO{ clws jf Go"g x'g
glbg cfjZos pks/0f k|of]u ug]{ ul/G5 . a}+ssf] cg';Gwfg ljefun] tof/ ug]{
æt/ntf cg'udg tyf k|If]k0f ;+/rgf (Liquidity Monitoring and Forecasting
Framework-LMFF) / cGo kl/;"rsx?n] Olét u/] cg';f/ a}+lsª k|0ffnLdf clws
t/ntf eP k|zf]rg ug]{ / Go"g t/ntf eP k|jfx ug]{ sfo{ v'nf ahf/ sf/f]af/
;~rfng ;ldltsf] lg0f{ofg';f/ ljlgodfjnL adf]lhd ljefuaf6 x'Fb} cfPsf] 5 .
t/ntf Joj:yfkgdf k|of]u ul/g] pks/0fx?dWo] t/ntf k|zf]rgsf] nflu l/e;{
l/kf], ;f]em} laqmL, lgIf]k ;+sng tyf g]kfn /fi6« a}+s C0fkq / t/ntf k|jfxsf]
lglDt l/kf] tyf ;f]em} vl/b pks/0fsf] k|of]u ug]{ ul/Psf] 5 .

7
!#= C0fkq tyf df}lb|s pks/0fx?sf] ;+lIfKt hfgsf/LM -!_ P]gsf] bkmf &@ cg';f/ g]kfn
;/sf/sf] /fi6« C0f p7fpg] k|of]hgsf nflu a}+sn] lgisfzg ug]{ u/]sf ljleGg C0fkqsf]
;+lIfKt hfgsf/L b]xfo adf]lhd 5MM–
-s_ 6«]h/L lanM d'b|f ahf/sf] k|d'v pks/0fsf] ?kdf /x]sf] 6«]h/L lan Ps jif{ jf ;f]
eGbf sd cjlwsf] /fi6« C0f p7fpg k|of]u ul/g] cNksfnLg ;/sf/L C0fkq xf] .
k|ldz/L gf]6sf ?kdf ;j{k|yd ljqmd ;Djt\\ @)!* ;fndf jflif{s Ps k|ltzt
Aofhb/df ?=&) nfv c+lst d"Nodf () lbg] 6«]h/L lan lgisfzg ul/Psf]
lyof] . ljqmd ;Djt\\ @)$% ;fn d+l;/ !) ut]b]lv af]nsjf]n k|lqmofaf6
lgisfzg x'Fb} cfPsf] of] C0fkq ljqmd ;Djt\\ @)$* k'; dlxgfb]lv
;fKtflxs ?kdf lgisfzg ul/Fb} cfPsf] 5 . ljqmd ;Djt\\ @)&@ c;f/ b]lv
6«]h/L lansf] af]nsaf]n Online Bidding System sf] dfWodaf6 ul/+b} cfPsf] 5 .
6«]h/L lansf] lgisfzgdf a§fs§f /sd s6fP/ afFsL /sd dfq g]kfn ;/sf/sf]
vftfdf hDdf ul/G5 eg] e'QmfgL cjlw k'u]kl5 c+lst d"Nodf k"/} /sd e'QmfgL
ul/G5 . o;/L cflh{t Aofh -a§f_ df cfos/ ;DaGwL k|rlnt sfg"g cg';f/
cfos/ nfUg] Joj:yf /x]sf] 5 . e'QmfgL ldlt cufj} 6«]h/L lan l/kf], ;f]em} vl/b,
j}wflgs t/ntf cg'kft, :yfoL t/ntf ;'ljwf tyf cGt/a}+s sf/f]af/df k|of]u ug{
;lsG5 . AolQmsf] xsdf 6]«h/L lan lwtf] /fvL o; a}+s afx]s cGo a}+s tyf ljQLo
;+:yfaf6 C0f lng ;lsG5 .
-v_ ljsf; C0fkqM ;/sf/nfO{ b]zsf] cfly{s ljsf;sf] nflu cfjZos dWod tyf
bL3{sfnLg cjlwsf] ;|f]t h'6fpg] p2]Zon] o:tf] C0fkq b'O{ jf b'O{ jif{eGbf a9L
cjlwsf] nflu lgisfzg ul/G5 . ;j{k|yd ljqmd ;Djt\\ @)@) ;fndf jflif{s ^
k|ltzt Aofhb/df ?=! s/f]8 #! nfv a/fa/sf] ljsf; C0fkq hf/L ul/Psf] lyof] .
lj=;+= @)^! h]7b]lv of] C0fkq s'kg b/ tf]sL af]nsaf]nsf] dfWodaf6 lgisfzg
ug{ yflnPsf]df ljqmd ;Djt\\ @)&@ ;fn sflQsb]lv of] C0fkqsf] Aofhb/
ahf/n] g} lgwf{/0f ug]{ u/L af]nsaf]ndf Psn Aofhb/ ljlw k|of]u ug]{ Joj:yf z'?
ul/of] . ljsf; C0fkqsf] bf];|f] ahf/ sf/f]af/ g]kfn :6s PS;r]~h lnld6]8
-NEPSE_ dfkm{t x'g] Joj:yf /x]sf] 5 .
-u_ ljz]if C0fkqM ;/sf/n] ljz]if p2]Zo kl/k"lt{ ug{sf nflu ;j{k|yd ljqmd
;Djt\\ @)@# ;fndf hUuf Ifltk"lt{ / ag Ifltk"lt{ a08sf] ?kdf of] C0fkq
lgisfzg ul/Psf] lyof] . o:tf] C0fkq :6ssf] ?kdf ;+:yfx? aLrdf dfq
vl/b laqmL ug{ ;Sg] u/L ! jif{ jf a9L cjlwsf nflu lglZrt Aofhb/ / c+lst
d"Nodf lgisfzg ul/Psf] lyof] .
-3_ /fli6««o artkqM k"FhL ahf/sf] pks/0fsf] ?kdf /x]sf] of] C0fkq tLg jif{
jf ;f]eGbf a9L cjlwsf] nflu ljqmd ;Djt\\ @)$) ;fnb]lv lgisfzg ul/+b}
cfPsf] 5 . tf]lsPsf] cjlwleq Over the Counter (OTC) k|lqmofaf6 lgisfzg
ul/g] /fli6«o artkq ;j{;fwf/0f g]kfnL gful/ssf cnfjf v'nf ahf/ ;~rfng
;ldltn] tf]s] adf]lhdsf ;+:yfn] vl/b ug{ ;Sg] Joj:yf 5 . o:tf] C0fkq c+lst
d"No / lgwf{l/t s'kgb/df :6s jf k|ldz/L gf]6sf] ?kdf lgisfzg ul/G5 .
-ª_ gful/s artkqM u}/–a}+lsª If]qaf6 cfGtl/s artsf] clwstd kl/rfng ug{
df}lb|s pks/0fsf] ;+Vofdf sdL /x]sf] dx;"; u/L cfly{s jif{ @)%*÷%( b]lv
8
 of] C0fkq lgisfzg ul/Psf] xf] . of] artkq % jif{ jf ;f] eGbf a9L cjlwsf]
nflu lgisfzg x'G5 . tf]lsPsf] cjlwleq Over the Counter (OTC) k|lqmofaf6
lgisfzg ul/g] gful/s artkq ;j{;fwf/0f g]kfnL gful/sn] dfq vl/b ug{ ;Sg]
Joj:yf 5 . o:tf] C0fkq c+lst d"No / lgwf{l/t Aofhb/df :6s jf k|ldz/L
gf]6sf] ?kdf lgisfzg ul/G5 .
-r_ j}b]lzs /f] h uf/ artkqM d'n's aflx/ /f]huf/Ldf ;+nUg g]kfnL gful/s tyf u}/–
cfjf;Lo g]kfnLn] ljb]zdf cfh{g u/]sf] /sd nufgL ug{ k|f]T;flxt ug]{, j}wflgs
dfWodaf6 ljb]zL d'b|f leq\ofpg] / b]z ljsf;sf] lgldQ ljQLo ;fwg h'6fpgsf]
lgldQ hf/L x'g] dWodsfnLg cjlwsf] artkq j}b]lzs /f]huf/ artkq xf] . of]
artkq ljqmd ;Djt\\ @)^& ;fn c;f/b]lv lgisfzg ug{ z'? ul/Psf] xf] .
tf]lsPsf] cjlwleq Over the Counter (OTC) k|lqmofaf6 lgisfzg ul/g] j}b]lzs
/f]huf/ artkqsf] cjlw / o;df kfpg] Aofhb/ g]kfn ;/sf/n] tf]lslbP adf]lhd
x'g] ub{5 .
-5_ k|fOh a08M ;j{;fwf/0fdf /x]sf] ;;fgf artnfO{ kl/rfng ug]{ p2]Zon] o:tf]
C0fkq ;j{k|yd cfly{s jif{ @)@#÷@$ df e'QmfgL cjlw ;dfKt ePkl5 a08
lnO{ cfpg]nfO{ ;fFjf e'QmfgL lbg] u/L c+lst d"Nodf ?= gf} nfv a/fa/sf] lgisfzg
ul/Psf] lyof] .
-h_ lao// a08M lglZrt e'QmfgL cjlw tyf Aofhb/ tf]sL lgisfzg ul/Psf] o:tf]
C0fkq e'QmfgL Dofb ;dfKt ePkl5 C0fkq lnO{ cfpg] AolQmnfO{ e'QmfgL ug]{ u/L
lgisfzg ul/Psf] lyof] .
-@_ a}+lsª If]qdf /x]sf] t/ntfnfO{ jfl~5t ;Ldfleq /fVg a}+såf/f hf/L ul/g] ljleGg
df}lb|s pks/0fx?sf] ;+lIfKt hfgsf/L b]xfo adf]lhd 5M–
-s_ l/kf]M a}+lsª k|0ffnLdf ;fwf/0f k|s[ltsf] Go"g t/ntfsf] l:ylt b]lvPdf ;ldltsf]
lg0f{ofg';f/ tf]lsP adf]lhdsf C0fkqsf] lwtf]df cNksfnLg cjlwsf] t/ntf k|jfx
ug{ k|of]u x'g] pks/0f l/kf] xf] . o; pks/0fsf] lgisfzgsf lbg af]nsaf]ndf
;kmn af]nstf{sf] -a}+saf6 :jLs[lt k|fKt æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo
;+:yfx?_ a}+sdf /x]sf] vftfdf afF8kmfF6 cg';f/sf] /sd hDdf ul/g] ePsf]n]
tf]lsPsf] ;dofjlwsf] nflu t/ntf k|jfx x'g hfG5 .
-v_ l/e;{ l/kf]M a}+lsª k|0ffnLdf ;fwf/0f k|s[ltsf] clws t/ntfsf] l:ylt b]lvPdf v'nf
ahf/ sf/f]af/ ;~rfng ;ldltsf] lg0f{ofg';f/ cNksfnLg cjlwsf] t/ntf k|zf]rg
ug{ k|of]u x'g] pks/0f l/e;{ l/kf] xf] . o; pks/0fsf] lgisfzgsf lbg
af]nsaf]ndf ;kmn af]nstf{sf] a}+sdf /x]sf] vftfaf6 afF8kmfF6 cg';f/sf] /sd
lemlsg] ePsf]n] tf]lsPsf] ;dofjlwsf] nflu t/ntf k|zf]rg x'g hfG5 .
-u_ ;f]em} laqmLM a}+lsª k|0ffnLdf ;+/rgfTds k|s[ltsf] clws t/ntfsf] l:ylt b]lvPdf
v'nf ahf/ ;~rfng ;ldltsf] lg0f{ofg';f/ cNksfnLgeGbf s]xL nfdf] cjlwsf]
t/ntf k|zf]rg ug{ k|of]u x'g] pks/0f ;f]em} laqmL xf] . a}+ssf] :jldTjdf /x]sf]
6«]h/L lansf] afFsL e'QmfgL cjlwsf] nflu ljlgodfjnL adf]lhd of] pks/0f
lgisfzg ul/G5 .

9
 -3_ ;f]em} vl/bM a}+lsª k|0ffnLdf ;+/rgfTds k|s[ltsf] Go"g t/ntfsf] l:ylt b]lvPdf
;ldltsf] lg0f{ofg';f/ bL3{sfnLg cjlwsf] t/ntf k|jfx ug{ k|of]u x'g] pks/0f
;f]em} vl/b xf] . of] pks/0fsf] lgisfzgdf a}+sn] 6«]h/L lan tyf cGo tf]lsP
adf]lhddf C0fkq OR5's a}+s tyf ljQLo ;+:yfx?af6 vl/b ub{5 . of] pks/0fsf]
af]nsaf]n d"Nodf ug'{kg]{ ePtfklg af]n ul/Psf] d"Nosf] cfwf/df jflif{s k|ltkmn
b/ (Yield Rate) lgwf{/0f u/L laqmLsf] nflu k|fKt C0fkq vl/b ug]{ ul/G5 .
-ª_ lgIf]k ;+sngM a}+lsª k|0ffnLdf c;fwf/0f k|s[ltsf] clws t/ntfsf] l:ylt b]lvg
cfPdf ;ldltsf] lg0f{ofg';f/ a}+lsª k|0ffnLaf6 t/ntf k|zf]rg ug{ k|of]u x'g]
pks/0f lgIf]k ;+sng xf] . of] pks/0f clwstd () lbgsf] nflu lgisfzg
ul/G5 .
-r_ g]kfn /fi6« a}+s C0fkqM a}+lsª k|0ffnLdf ;+/rgfTds k|s[ltsf] clws t/ntfsf]
l:ylt b]lvg cfPdf v'nf ahf/ sf/f]af/ ;~rfng ;ldltsf] lg0f{ofg';f/ a}+ssf]
;~rfns ;ldltsf] :jLs[ltdf t/ntf k|zf]rg ug{ k|of]u x'g] pks/0f g]kfn /fi6«
a}+s C0fkq xf] . of] pks/0f clwstd 5 dlxgf jf Ps jif{ cjlwsf] nflu
lgisfzg ul/G5 . af]naf]n k|lqmofaf6 lgisfzg ul/g] o; C0fkqsf] lgisfzgdf
Psn Aofhb/ ljlwsf] k|of]u ul/G5 .
-5_ :yfoL t/ntf ;'ljwfM a}+lsª k|0ffnLdf tTsfn cfO{ kg]{ cNksfnLg t/ntf
;d:ofnfO{ ;Daf]wg ug{sf lgldQ ljefun] a}+ssf] df}lb|s gLltdfkm{t\ tf]lsP
adf]lhdsf ;+:yfx?nfO{ ljlgodfjnLsf] ljlgod !& adf]lhd tf]lsP adf]lhdsf
C0fkqsf] lwtf]df :yfoL t/ntf ;'ljwf (Standing Liquidity Facility-SLF) k|bfg
ub}c{ fPsf] 5 . tf]lsPsf] cjlwsf nflu k|bfg ul/g] o:tf] ;'ljwf pkof]u ug{ OR5's
;+:yfn] a}+sn] tf]s]sf] Aofh ltg'kb{5 .

kl/R5]b–$
6«]h/L, gLlt of]hgf tyf cfGtl/s k|zf;g kmfF6
!$= 6«]h/L, gLlt of]hgf tyf cfGtl/s k|zf;g ;DaGwL sfo{M g]kfn ;/sf/sf] /fi6« C0f
p7fpg] k|of]hgfy{ 6«]h/L lansf] lgisfzg tyf sf/f]af/ /fkm;fkm ug]{, lgisfl;t 6«]h/L
lansf] e'QmfgL Dofb ;dfKt ePkl5 ;fFjf e'QmfgL jf gjLs/0f ug]{ ;DaGwdf g]kfn
;/sf/, cy{ dGqfno;Fu kqfrf/ ug]{, v'nf ahf/ ;~rfng ;ldltsf] ;lrjfnosf] sfo{
ug]{ tyf C0fkq ;DaGwL tYof° cBfjlws /fvL dfl;s ?kdf k|sfzg ug]{ sfo{sf ;fy}
ljefusf sd{rf/L ;DaGwL ;Dk"0f{ clen]v /fVg], cfjZos k|zf;lgs ;]jf pknAw
u/fpg] Pjd\ kmFf6sf] ;Dk"0f{ sfo{ cBfjlws ug]{ lhDd]jf/L / pQ/bfloTj o; kmFf6sf] /xg]
5 . o;sf] nflu P]g, /fi6« C0f P]g, lgodfjnL,sd{rf/L lgodfjnL, dfu{bz{g / k|rlnt
cGo kl/kq tyf lgb]{zgsf] cwLgdf /xL kmFf6n] b]xfo adf]lhdsf sfo{x? ;Dkfbg
ug'{kg]{5M–
-s_ 6«]h/L;Fu ;DalGwt sfo{M
-!_ v'nf ahf/ ;~rfng ;ldltsf] lg0f{o cg';f/ k|To]s xKtfsf] d+unaf/ jf ;f]
lbg ljbf k/]df sfof{no v'n]sf] lbg 6«]h/L lan gofF jf gjLs/0f lgisfzg
10
 ug'{ kg]{5 . ;f] sfo{sf nflu ;fdfGo cj:yfdf k|To]s xKtfsf] ;f]djf/
af]nsaf]n u/fpg' kg]{5 .
-@_ k|To]s xKtf lgisfzg ul/g] 6«]h/L lansf] cjlw, lgisfzg ul/g] ldlt, l;l/h
gDa/ / /sd af/] v'nf ahf/ ;~rfng ;ldltaf6 :jLs[t u/fO{ af]nsaf]n
ldlt cufj} ;f] ;DaGwL ;"rgf a}+ssf] j]a;fO6 dfk{mt\\ / af]nsaf]n ldltsf
lbg Online Bidding System dfk{mt\\ k|sfzg ug'{kg]{5 .
-#_ af]nsaf]n ldltdf k|fKt af]n cg'udg ug]{ / af]nsaf]nsf] nflu tf]lsPsf]
;do kZrft\ cgnfO{g af]nsaf]n k|0ffnLaf6 k|fKt glthf ljj/0fsf] cfwf/df
dfOGo"6 tof/ u/L :jLs[ltsf] nflu v'nf ahf/ ;~rfng ;ldlt ;dIf k]z
ug'{kg]{5 .
-$_ lgisfzg ldltsf lbg ;kmn af]njfnfsf] a}+sdf /x]sf] ck/]l6e jf gg
ck/]l6e vftf vr{ u/L l;i6daf6} lx;fa ldnfg ug'{kg]{5 . ;fy} af]nsaf]ndf
;kmn JolQm jf ;+:yfsf] gfddf 6«]h/L lansf] Advice agfO{ ljt/0f ug'{kg]{5
. gjLs/0f lgisfzg ePsf 6«]h/L lansf] xsdf ;f]xL lbg k'/fgf] l;l/hsf]
Redemption u/L ;DalGwt wgLsf] vftfdf /sd hDdf ug'{kg]{5 . 6«]h/L
lansf] kl/0ffdsf] af/]df ue{g/, 8]k'6L ueg{/, cg';Gwfg ljefusf] df}lb|s
zfvf tyf a}+ssf k|jQmfnfO{ hfgsf/L u/fpg' kg]{5 .
-%_ 6«]h/L lan e'QmfgLsf] nflu cfjZos a§fs§f tyf ;fFjf /sd g]kfn ;/sf/,
dxfn]vf lgoGqs sfof{no;Fu dfu ug'{kg]{5 . ;f] jfktsf] r]s k|fKt ePkl5
e'QmfgL ldltsf lbg clVtof/ k|fKt clwsf/Ln] b/kL7 u/L ;DalGwt lx;fadf
hDdf ug{sf nflu a}+lsª sfof{nodf k7fpg' kg]{5 .
-^_ Dofb ;dfKt ePsf 6 «]h/L lansf] e'QmfgL ug'{kg]{ ;fFjf tyf a§fs§f /sd /
lgisfzgdf /x]sf 6«]h/L lansf] e'QmfgL ug'{kg]{ a§fs§f /sd g]kfn ;/sf/af6
pko'Qm ;doleq k|fKt gePdf o:tf] /sd oyfzL3| k|fKt ug{ g]kfn ;/sf/,
cy{ dGqfno / dxfn]vf lgoGqs sfof{nonfO{ tfs]tfkq k7fpg' kmfF6 k|d'vsf]
lhDd]jf/L x'g]5 .
-&_ g]kfn ;/sf/af6 e'QmfgL ug]{ egL n]vL cfPsf] cj:yfdf afx]s cGo
cj:yfdf g]kfn /fi6« a}+s bf];|f] ahf/sf] :jfldTjdf /x]sf 6«]h/L lanx?
gjLs/0f lgisfzg ug]{ :jLs[ltsf] nflu ;ldltsf] l;kmfl/;df ueg{/ ;dIf
l6Kk0fL k]z ug'{kg]{5 . :jLs[lt kZrft\ e'QmfgL ldltdf o:tf 6«]h/L lanx?sf]
gjLs/0f lgisfzg ug'{kg]{5 .
-v_ gLlt of]hgf ;DaGwL sfo{M
-!_ k|To]s jif{ g]kfn ;/sf/af6 /fi6« C0f p7fpg] ;DaGwL kq k|fKt eP kZrft\
lgisfzg tyf af]nsaf]n tflnsf tof/ u/L v'nf ahf/ ;~rfng ;ldltdf
k]z ug]{ / pQm ;ldltsf] l;kmfl/;df ueg{/sf] :jLs[lt lnO{ g]kfn ;/sf/,
cy{ dGqfno ;dIf clGtd :jLs[ltsf nflu k7fpg' kg]{5 .
-@_ ljefusf] jflif{s sfo{of]hgf, ah]6 k|If]k0f tyf cGo sfo{qmdx? tof/ ug]{,
:jLs[ltsf nflu ;DalGwt lgsfodf k7fpg] / :jLs[t sfo{qmdx? oyf;dodf
sfof{Gjog ug{'÷u/fpg' kg]{5 .
11
 -#_ /0fgLlts of]hgfdf ;dfj]z ljefusf] lhDd]jf/Ldf /x]sf sfo{x? sfof{Gjog
ug'{kg]{5 .
-$_ /fi6« C0f sf/f]af/ tyf df}lb|s Joj:yfkg ;DaGwL jflif{s tyf cfjlws
k|ltj]bg tf]lsPsf] ;doleq tof/ u/L ;DalGwt ljefudf k7fpg' kg]{5 .
-%_ ljefusf] sfo{of]hgf adf]lhdsf] k|ult ljj/0f / hf]lvd ljj/0f tof/ u/L
tf]lsPsf] ;doleq a}+ssf] ;DalGwt ljefudf k7fpg' kg]{5 .
-^_ /fi6« C0f Joj:yfkgsf nflu lgdf{0f ePsf P]g, lgod, ljlgod, sfo{ljlw,
dfu{bz{gdf ;dofg';f/ ;+zf]wg cfjZos b]lvPdf ;+zf]wg d:of}bfsf ;fy}
;f];Fu ;DalGwt cGo cfjZos sfo{ljlw tof/ ug]{ / :jLs[t u/fO{ a}+ssf]
j]j;fO6df /fVg' kg]{5 .
-u_ cfGtl/s k|zf;g ;DaGwL sfo{M
-!_ b/aGbLM ljefusf] nflu :jLs[lt ePsf] b/aGbL tyf sfo{/t sd{rf/Lsf]
clen]v cBfjlws /fVg' kg]{5 .
-@_ xflh/L tyf ljbfsf] clen]vM HRMIS Software sf] Login & E-Attendance
Module cGtu{t b}lgs xflh/L clen]v tyf dlxgf ;dfKt ePkl5 k|To]s
dlxgfsf] xflh/L ljj/0f / ;a} sd{rf/Lx?sf] JolQmut ljbf;DaGwL clen]v
tof/ u/L ;'/lIft tj/n] /fVg' kg]{5 . j}zfvb]lv r}t d;fGt;Ddsf] To:tf]
clen]v Print u/L Binding ;d]t u/fO{ ;'/lIft tj/n] /fVg] Joj:yf ldnfpg'
kg]{5 . sd{rf/Lx? sfh, tflnd tyf nfdf] ljbfdf /xFbfsf] ljj/0f HRMIS
System df k|ljli6 u/L cBfjlws ug'{kg]{5 .
-#_ JolQmut kmfO{n M k|To]s sd{rf/Lsf] JolQmut kmfO{n v8f u/L lgh ;DaGwL
;Dk"0f{ kqfrf/ ;f]xL kmfO{naf6 ug'{kg]5
{ .
-$_ e|d0f cfb]zM ljefusf] sfdsf] l;nl;nfdf :jb]z leq sfhdf hfg]
sd{rf/LnfO{ e|d0f cfb]z hf/L ug'{kg]{5 . o;/L hf/L ul/g] e|d0f cfb]zdf
sd{rf/Lsf] gfd y/, ;+s]t gDa/, kb, e|d0fdf hfg] :yfg tyf p2]Zo, e|d0f
cjlw / lgodfg';f/ pknAw u/fpg' kg]{ k]ZsL /sd :ki6 pNn]v ug'{kg]{5 .
-%_ ;?jfM ;?jf eO{ hfg] sd{rf/LnfO{ ;?jf ePsf] sfof{nodf k|:yfg u/fpgsf
nflu k|d'vsf] :jLs[lt lnO{ lghnfO{ tf]lsPsf] 9fFrfdf /dfgf kq lbg'sf ;fy}
;DalGwt sfof{nonfO{ af]wfy{ lbg' kg]5 { . o;/L lbg] /dfgfkq ;fy lghsf]
ljbfsf] clen]v ;+nUg ug{'kg]5{ .
-^_ a'em–a'emf/yM ;?jf jf ;]jf lgj[Q x'g] sd{rf/Ln] a}+ssf] k|rlnt sd{rf/L
ljlgodfjnLdf tf]lsPsf] Joj:yf adf]lhd a'em–a'emf/y ug'{÷u/fpg' kg]5{ .
-&_ sfof{no ;fdfgsf] cfk"lt{M ljleGg kmFf6x?nfO{ cfjZos kg]{ :6]zg/L tyf cGo
dfn;fdfgsf] dfu kmf/d e/L k|d'v jf tf]lsPsf] clwsf/Lsf] b:tvt ePkl5
vl/b ug'{kg]{5 . dfn;fdfg k|fKt ePkl5 cfjZostf cg';f/ lat/0f
ug'{kg]{5 . ljefunfO{ cfjZos kg]{ sfuhft 5kfpg' k/]df gd"gf ;lxt
;fdfGo ;]jf ljefudf n]vL k7fpg' kg]{5 .

12
 -*_ ;DklQsf] clen]vM ljefudf /x]sf ;Dk"0f{ ef}lts ;DklQnfO{ tf]lsPadf]lhd
jlu{s/0f u/L ;f+sl] ts gDa/sf ;fy ;"rLa4 tl/sfn] clen]v /fvL
tf]s]adf]lhd k/LIf0f ug'{kg]{5 .
-(_ hf]lvd Joj:yfkgM k|To]s qodf;df ljefusf] hf]lvd clen]v /lhi6«/ tof/
u/L ;+:yfut of]hgf ljefu k7fpg] sfo{sf cnfjf ljefusf] hf]lvd
Joj:yfkg ;DaGwL sfo{ kmfF6n] ug'{kg]{5 .
-!)_ btf{ tyf rnfgLM ljefudf k|fKt x'g] / ljefuaf6 jflx/ k7fpg' kg]{ lr¶Lkqsf]
btf{ tyf rnfgL b]xfo adf]lhd ug'{kg]{5M–
-c_ btf{M -!_ ljefusf] gfddf k|fKt x'g cfPsf ;a} lr¶Lkq k|fKt x'gf;fy
a'lemlnO{ k|d'v jf lgb]{zsaf6 tf]s nfu]kl5 btf{ lstfjdf l;nl;n]jf/
gDa/ lbO{ btf{ ug'{kg]{5 . o;/L btf{ ul/Psf lr¶Lkqx? tTsfn}
;DalGwt kmFf6df a'emfO{ ;f] sf] lg:;f lng' kg]{5 .
t/, cToGt h?/L hgfO{ ljefudf k|fKt x'g cfPsf / t'?Gt tyf uf]Ko
hgfOPsf kq vfdaGbL ?kdf g} oyfzL3| k|d'v jf lgb]{zs ;dIf k]z
ug'{ kg]5 { .
-@_ s'g} lsl;daf6 kq a'emfpg l9nf–;':tL ePdf jf x/fPdf
;DalGwt sd{rf/L pk/ sd{rf/L ljlgodfjnL adf]lhd sf/jfxL
x'g5] .
-cf_ rnfgLM -!_ ljleGg kmFf6af6 aflx/ k7fpgsf nflu k|fKt x'g cfPsf
lr¶Lkq a'lemlnO{ rnfgL lstfjdf r9fO{ ;se/ k|fKt ePs} lbg
;DalGwt sfof{nodf a'emfpg k7fpg' kg]5 { / a'emfPsf] lg:;f -;xL5fk
/ ldlt_ lnO{ /fVg'kg]{5 . kq a'e]msf] k|dfl0ft geP;Dd kqsf] ;Dk"0f{
lhDd]jf/L rnfgL ug]{ / a'emfpg nfg] sd{rf/Lsf] x'g]5 . sf/0fjz kq
lkmtf{ cfPdf sf/0f pNn]v u/L ;DalGwt kmfF6df lkmtf{ a'emfpg' kg]{5 .
-@_ kmFf6af6 k|fKt kqx? dWo] Pp6} sfof{nodf a'emfpg' kg]{ kqx?nfO{
Pp6} vfddf aGb u/L k7fpg ;lsg]5 .
-#_ ˆofS;åf/f k7fOg] clt h?/L kq k|fKt x'gf;fy k\mofS; u/L ;f]
sf] ;dy{g kq ;f]xL lbg rnfgL u/L k7fpg'kg]5 { . sf/0fjz ;f]xL lbg
k7fpg g;lsPdf ;DalGwt kmFf6 k|d'vnfO{ hfgsf/L lbg' kg]{5 .
-!!_ OG6g{zLkM ljleGg z}lIfs ;+:yfaf6 lgodfg';f/ OG6g{zLk ug{ cfPsf ljBfyL{x?sf]
Joj:yfkg ug]{ sfo{ o; kmfF6n] ug'{kg]{5 .
-!@_ ;/sf/L C0fkq tyf df}lb|s pks/0f ;DaGwL r]tgfd"ns sfo{qmd ;~rfng
ug'{kg]{5 .
-3_ cGoM o; kl/R5]bdf plNnlvt sfo{x?sf] cnfjf cGo k/LcfPsf sfo{x? a}+ssf]
P]g, lgod, ljlgod, dfu{bz{g, kl/kq, cfb]z / lgb]{z cGtu{t /xL ;Dkfbg
ug'{kg]{5 .

13
 kl/R5]b – %
lgisfzg tyf Joj:yfkg kmFf6
!%= lgisfzg tyf Joj:yfkg ;DaGwL sfo{M g]kfn ;/sf/sf] ah]6 tyf /fi6« C0f p7fpg]
P]gdf ePsf] Joj:yf adf]lhd :jLs[t /fi6« C0f lgisfzg Pjd\ af]nsaf]n tflnsf
cg';f/ /fi6« C0f p7fpg] k|of]hgsf nflu ljefun] cNksfnLg -6]«h/L lan_ dWodsfnLg
tyf bL3{sfnLg k|s[ltsf C0fkqx? -ljsf; C0fkq, /fli6«o artkq, gful/s artkq,
j}b]lzs /f]huf/ artkq_ lgisfzg ug]{ ub{5 . o; kmFf6n] k|d'v ?kdf dWodsfnLg tyf
bL3{sfnLg C0fkqsf] k|fylds lgisfzg / tL C0fkqx?sf] bf];|f] ahf/ sf/f]af/
cGtu{tsf sfo{x? ;Dkfbg ug'{kg]{5M–
-s_ C0fkqsf] k|fylds lgisfzg ;DaGwL sfo{M
-!_ :jLs[t cfGtl/s C0f lgisfzg tyf af]nsaf]n tflnsf cg';f/ lgisfzg
ug'{kg]{ C0fkqsf] af]nsaf]n cfXjfg tyf laqmL v'nf ;DaGwL hfgsf/Lsf]
;"rgf a}+ssf] j]a;fO{6 nufot cfjZostf cg';f/ /fli6«o :t/sf ;~rf/
dfWodaf6 af]nsaf]n tyf laqmL v'nf x'g] lbg cufj} k|sfzg tyf k|;f/0f ug{
nufpg' kg]{5 . k"j{ :jLs[lt lnP/ dfq o:tf] ;"rgf k|sfzg tyf k|;f/0f
ug'{kg]{ x'G5 . k|To]s jif{ clGtd :jLs[ltsf nflu cy{ dGqfno k7fpg] qmddf
/x]sf] C0f lgisfzg tyf af]nsaf]n tflnsf :jLs[tfy{ ueg{/Ho" ;dIf k]z
x'g] l6Kk0fLdfkm{t o:tf] :jLs[lt lng' kg]{5 .
-@_ ljsf; C0fkqsf] af]nsaf]n cgnfOg k|0ffnLdfkm{t / s'kgb/ tf]sL lgisfzg
x'g] C0fkqsf] laqmL ahf/ lgdf{tf tyf laqmL Ph]06dfkm{t u/fpg' kg]{5 .
ahf/ lgdf{tfsf] pkl:ylt g/x]sf] :yfgdf jf ahf/ lgdf{tfn] C0fkq laqmL
ug{ g;s]sf] cj:yfdf a}+ssf pkTosf aflx/sf sfof{nox?dfkm{t ;d]t tL
C0fkq laqmL ug{ nufpg ;lsg]5 .
-#_ cfj]bg kmf/d cfjZos x'g] C0fkqx?sf] cfj]bg kmf/d a}+ssf] j]a;fO{6df
cknf]8 ug'{kg]{5 eg] af]nsaf]n k|lqmofdfkm{t lgisfzg x'g] ljsf; C0fkqsf]
;"rgf af]nsaf]n x'g] lbg dfq b]lvg] u/L Online Bidding System df
k|sfzg ug'{kg]{5 .
-$_ sf7df8f}+ pkTosf aflx/sf a}+ssf sfof{no, ahf/ lgdf{tf tyf laqmL Ph]06n]
C0fkq laqmL jfkt k|fKt u/]sf] /sd nufot cg]{i6 dlg a}+sl:yt ;DalGwt
C0fkqsf] tf]lsPsf] vftfdf tf]lsPsf] ;doleq hDdf ug{ nufpg' kg]{5 .
-%_ To;}u/L sf7df8f}+ pkTosf aflx/sf ahf/ lgdf{tf tyf laqmL Ph]06n] laqmL
u/]sf] C0fkq jfktsf] /sd cfjZos k/]df glhssf] a}+ssf sfof{nodf /x]sf]
tf]lsP adf]lhdsf] vftfdf hDdf ug{ nufpg' kg{]5 . laqmL v'nf cjlwdf
k|To]s lbg laqmL ePsf] C0fkqsf] ljj/0f -vl/bstf{sf] gfd, vl/b u/]sf]
/sd, yfg cflb_ ljefudf k7fpg' kg]{ Joj:yf ldnfpg' kg]{5 . o:tf] ljj/0f
o; a}+ssf] j]j;fO6 cGtu{t Public debt df /x]sf] gful/s artkqsf] laqmL
k|lqmofdf plNnlvt cg';"rL–# cg';f/sf] kmf/ddf ;f]xL lbg ljefudf k7fpg
nufpg' kg]{5 . ahf/ lgdf{tf tyf laqmL Ph]06af6 cg';"rL–# adf]lhdsf]
kmf/d k|fKt ePkl5 ;f]sf] cfwf/df plNnlvt /sd o; kmFf6n] ;DalGwt
14
 laqm]tfsf] vftfaf6 vr{ u/L ;DalGwt C0fkqsf] nflu tf]lsPsf] vftfdf
hDdf ug'{kg]{5 .
-^_ laqmL ePsf C0fkqsf] kmf/d tyf /sd hDdf u/]sf] ef}r/ l56f] tyf ;'/lIft
dfWodaf6 ljefudf k7fpg nufpg' kg]{5 .
-&_ C0fkq laqmL v'nf cjlwdf k|To]s lbg sf7df8f}+ pkTosf aflx/sf a}+ssf
sfof{no, ahf/ lgdf{tf tyf laqmL Ph]06x?n] laqmL u/]sf] Psd'i6 /sd a}+lsª
sfof{no l:yt tf]lsPsf] C0fkq vftfdf hDdf ePsf] /sd;Fu le8fO{ olsg
ug'{kg]{5 .
-*_ tf]lsPsf] laqmL v'nf cjlw ;dfKt x'g'eGbf cufj} cfXjfg ul/Psf] /sd eGbf
a9L dfu x'g cfPdf ;f]xL ;dob]lv laqmL aGb ug]{ jf v'nf g} /fVg] ;DaGwdf
v'nf ahf/ ;~rfng ;ldltsf] lg0f{o clGtd x'g] x'Fbf pQm ;ldltaf6
cfjZos lg0f{o u/fO{ ;f]sf] hfgsf/L ;DalGwt ;a} sfof{nonfO{ l56f]
;fwgåf/f lbg' kg]{5 .
-(_ laqmL aGb ePkl5 cfXjfg ul/Psf] /sdeGbf a9L laqmL ePdf s'g cg'kftdf
laqmL ug]{ jf sd laqmL ePdf a}+sn] vl/b ug]{÷gug]{ / lgisfzg ul/g]
/sdsf ;DaGwdf v'nf ahf/ ;~rfng ;ldltsf] lg0f{o clGtd x'g]5 .
-!)_ v'nf ahf/ ;~rfng ;ldltsf] lg0f{o kZrft\ l;i6ddf lgisfzg ug'{kg]{
C0fkqsf] dfi6/ kmfOn agfpg' kg]{5 . dfi6/ kmfOndf lgisfzg x'g]
C0fkqsf] l;l/h gDa/, lgisflzt /sd, s'kgb/, Aofh e'QmfgL cjlw cflb
ljj/0f pNn]v ug'{kb{5 .
-!!_ lgisflzt C0fkq vl/bstf{x?dWo] o; ljefudf C0fkq vftf (Non-
Operative Account) gePsf JolQm tyf ;+:yfx?sf] cfjZos ljj/0f
;lxtsf] C0fkq vftf l;i6ddf vf]Ng' kg]{5 . klxn] b]lv o:tf] vftf /x]sf
vl/bstf{sf] gofF vftf vf]Ng' kb}{g .
-!@_ C0fkq vl/bstf{x?af6 k|fKt /sd hDdf ePsf] vftf (Bond Application
Account) vr{ u/L -cfj]bg kmf/ddf plNnlvt /sd_ Ps Ps u/L ;DalGwt
C0fkq vl/bstf{x?sf] C0fkq vftfdf hDdf ug'{kg]{5 .
-!#_ vl/bstf{x?sf] C0fkq vftfdf /sd hDdf eO{;s]kl5 vl/b u/]sf] /sd
l;i6daf6} ;DalGwt C0fkq vftfsf] dfu{:y vftfdf hDdf ug'{kb{5 . o:tf]
sf/f]af/ u/] kZrft\ C0fkq vl/bstf{sf] C0fkq vftfdf vl/b u/]sf]
C0fkqsf] gfd / /sd pNn]v x'g hfG5 .
-!$_ ljefudf Operative Account -/sd hDdf ug{ / hDdf /x]sf] /sd r]s sf6]/
lemSg ldNg] ;'ljwf ePsf] a}+sdf vf]lnPsf] ;+:yfsf] vftf_ ePsf
vl/bstf{x?sf] 5'§} C0fkq vftf vf]Ng' kb}{g . vl/b u/]sf] /sd l;w}
l;i6daf6 ;DalGwt C0fkq vftfsf] dfu{:y vftfdf hDdf ug'{kb{5 . o:tf]
sf/f]af/ u/] kZrft\ ;DalGwt ;+:yfsf] Operative Account vr{ x'g uO{
C0fkq vl/bstf{sf] C0fkq vftfdf vl/b u/]sf] C0fkqsf] gfd / /sd
pNn]v x'g hfG5 .

15
-!%_ lgisfzg ldltsf lbg lgisfzg x'g] C0fkqsf] dfu{:y -6«flGh6_ vftfdf hDdf
x'g cfPsf] /sd vr{ u/L a}+lsª sfof{no l:yt tf]lsPsf] g]kfn ;/sf/sf]
/fi6« C0f jf cfGtl/s C0f vftfdf hDdf ug'{kg]{5 . C0fkq lgisfzg
;DaGwL hfgsf/L cy{ dGqfno tyf dxfn]vf lgoGqs sfof{nonfO{ lbg'
kg]{5 .
-!^_ C0fkqsf] /sd g]kfn ;/sf/sf] /fi6« C0f jf cfGtl/s C0f vftfdf hDdf
ePkl5 ;DalGwt C0fkq vl/bstf{nfO{ lbg' kg]{ vl08t cjlwsf] Aofh tyf
laqmL ug]{ ;+:yfnfO{ lbg' kg]{ laqmL bnfnL sldzg /sdsf cnfjf cGo
ljj/0f -C0fkq vl/b ldlt, vl08t cjlwsf] Aofh lbg'kg]{ hDdf lbg, ahf/
lgdf{tfsf] gfd, laqmL u/]sf] /sd cflb_ v'nfO{ g]kfn ;/sf/, dxfn]vf
lgoGqs sfof{no;Fu Psd'i6 dfu ug'{kg]{5 . o:tf] sldzg /sd ljsf;
C0fkq / 6]«h/L lansf] xsdf k|bfg ug'{ kb}{g .
-!&_ dfu ePsf] vl08t cjlwsf] Aofh tyf sldzg /sdsf] dxfn]vf lgoGqs
sfof{noaf6 r]s k|fKt ePkl5 clVtof/ k|fKt clwsf/Laf6 r]ssf] k[i7 efudf
b/kL7 u/L a}+sdf /x]sf] tf]lsPsf] vftfdf hDdf ug{ a}+lsª sfof{nodf kq
;lxt pQm r]s k7fpg' kg]{5 . pQm Aofh tyf sldzg /sd a}+lsª
sfof{noaf6 tf]lsPsf] vftfdf hDdf ePkl5 o; kmfF6n] C0fkq vl/bstf{ /
ahf/ lgdf{tf Pjd\ laqmL k|jGwsnfO{ pknAw u/fpg ;DalGwt ;+:yfsf] o;
a}+sdf /x]sf] tf]lsPsf] vftfdf /sdfGt/ ug'{kg]{5 . laqmL bnfnL sldzg
/sd ;DalGwt ;+:yfsf] vftfdf hDdf ug'{ cl3 lgodfg';f/sf] b/n] clu|d
cfos/ s§f u/L afFsL /sd hDdf ug'{kg]{5 eg] vl08t cjlwsf] Aofh
jfktsf] /sd pQm s/ s§f gu/L ;DalGwt ahf/ lgdf{tf jf laqmL k|jGwssf]
vftfdf hDdf ug'{kg]{5 / ;DalGwt vl/bstf{nfO{ lgodfg';f/sf] b/df s/ s§f
u/L e'QmfgL lbg' egL kq n]Vg' kg]{5 . laqmL bnfnL sldzgdf s§f u/]sf]
cfos/ /sd /fhZj ef}r/ e/L a}+sdf /x]sf] g]kfn ;/sf/sf] tf]lsPsf] s/
vftfdf hDdf ug'{kg]{5 .
-!*_ lgisfzg x'g] C0fkq vl/b ug{sf] nflu k|fKt ;Dk"0f{ cfj]bg kmf/ddf k|fKt
ldltsf] cfwf/df qmd;+Vof /fvL Jojl:yt ?kdf kmfO{n u/L /fVg' kg]{5 .
l;i6ddf /x]sf] pQm C0fkqsf] dfi6/ kmfOnaf6 vl/bstf{sf] gfdfjnL /
/sdsf] ljj/0f lk|06 lgsfnL ;f] lk|06 / cfj]bg kmf/d ?h' u/L ;f]sf]
cfwf/df ;DalGwt C0fkqsf] k|df0fkq / Aofh e'QmfgL k"hf{ tof/ ug'{ kg]{5 .
C0fkqsf] ;Ffjf k|df0fkq tyf Aofh e'QmfgL k'hf{sf] gd"gf lgodfjnLsf]
cg';"rLdf lbO{P adf]lhd x'g]5 .
-!(_ C0fkqsf] k|df0fkq tof/ ePkl5 ljt/0fsf] nflu a}+ssf] j]a;fO6 tyf /fli6«o
:t/sf] b}lgs klqsfdf ;"rgf k|sfzg ug'{kg]{5 . sf7df8f}+ pkTosf leqsf
laqm]tfx?nfO{ ljefuaf6} k|df0fkq tyf Aofh e'QmfgL k"hf{ k|lqmof k'¥ofO{
ljt/0f ug'{kg]{5 eg] pkTosf aflx/sf a}+ssf sfof{no, laqmL Ph]06 tyf
ahf/ lgdf{tf dfk{mt\\ laqmL ePsf C0fkq ljefusf sd{rf/Ldfk{mt\\ ;DalGwt
:yfgsf] a}+ssf sfof{nodf a'emfpg k7fpg' kg]{5 . o;/L pkTosf aflx/sf
laqm]tf ;dIf k|df0fkq a'emfpg ljefuaf6 vl6O{ hfg] sd{rf/Ln] k|df0fkq
16
 ;DalGwt sfof{nodf a'emfPsf] k|df0f k]z ug'{kg]{5 / o; kmFf6n] pQm k|df0f
;'/lIft tj/n] kmfOn u/L /fVg' kg]{5 .
-@)_ ljsf; C0fkqsf] af]nsaf]nsf] lbgdf Online Bidding System dfkm{t\ k|fKt
af]nx?sf] cg'udg ug]{, cg]{i6dlg hDdf eP gePsf] jf cg]{i6dlgsf] nflu
vftfdf kof{Kt df}Hbft /x]g/x]sf] ?h' ug]{, tf]lsPsf] ;dokZrft\ afF8kmfF6
ug]{, pQm afF8kmfF6 ljj/0fsf] cfwf/df dfOGo"6 tof/ u/L v'nf ahf/ ;~rfng
;ldltdf k]z ug]{ / ;ldltsf] lg0f{ofg';f/ lgisfzg ldltdf dfly plNnlvt
k|lqmofg';f/ lx;fa ldnfg ug'{kg]{5 . ;fy} Non- operative vftf x'g] -vftf
gx'g] ;kmn af]njfnf eP vf]Ng' kg]{_ ;kmn af]njfnfnfO{ tf]lsPsf] vftfdf
tf]lsPsf] ;do leq afF8kmfF6 /sd hDdf ug{ nufpg' kg]{5 .
-@!_ ljsf; C0fkq lgisfzg u/] kZrft\ lgisfl;t ljsf; C0fkq ;DaGwL
cfjZos ;Dk"0f{ ljj/0f v'nfO{ bf];|f] ahf/ sf/f]af/sf nflu lnli6ª -btf{_
u/fpg g]kfn :6s PS;r]~h lnld6]8nfO{ kq n]Vg' kg]{5 .
-@@_ ljsf; C0fkq afx]s cGo C0fkq vl/bstf{x?n] cfj]bg;fy tf]lsP
adf]lhdsf sfuhft k]z u/]÷gu/]sf] ;d]t ?h' u/L cfj]bg kmf/dx?
Jojl:yt ug'{kg]{ x'G5 .
-@#_ lgisfl;t ;Dk"0f{ C0fkqsf] lgisfzg ldlt kZrft\ lgisfzg ul/Psf]
C0fkqsf] gfd / /sd pNn]v u/L] t'?Gt} a}+lsª sfof{no -;/sf/L n]vf kmFf6_
nufot cy{ dGqfno -cf=gL=lj=dxfzfvf_ / dxfn]vf lgoGqs sfof{no -C0f
zfvf_ nfO{ kq n]vL hfgsf/L u/fpg' kg]{5 .
-v_ bf];|f] ahf/ sf/f]af/M k|fylds ahf/af6 lgisfzg ePsf C0fkqx?sf] e'QmfgL ldlt
cufj} x'g] vl/b laqmL sf/f]af/ bf];f] ahf/ sf/f]af/ cGtu{t kb{5g\ . o; cGtu{tsf
;Dk"0f{ sf/f]af/x? ahf/ lgdf{tf ;DaGwL sfo{ljlwsf] cwLgdf /xL ug'{kg]{ x'G5 .
bf];|f] ahf/ sf/f]af/ cGtu{t b]xfo adf]lhdsf sf/f]af/ kb{5g\M–
-c_ ljsf; C0fkqsf] bf];|f] ahf/ sf/f]af/ M ljsf; C0fkqsf] bf];|f] ahf/ sf/f]af/
g]kfn :6s PS;r]~h lnld6]8 -g]K;]_ dfkm{t dfq x'g] Joj:yf /x]sf] 5 . g]K;]
dfkm{t of] C0fkqsf] bf];|f] ahf/ sf/f]af/ eO{ ;f]xL lnld6]8 dfkm{t C0fkq
gfd;f/Lsf] nflu cg'/f]w eO{ cfPsf] cj:yfdf laqm]tfsf] C0fkq vftfdf
/x]sf] C0fkqnfO{ qm]tfsf] C0fkq vftfdf l;i6daf6} 6«fG;km/ dfkm{t
:yfgfGt/0f ug'{kg]{5 / laqm]tfsf] gfpFdf /x]sf] k|fKt k'/fgf] C0fkq /2 u/L
qm]tfsf] gfpFdf gofF k|df0fkq agfO{ pQm lnld6]8nfO{ kq;fy pknAw u/fpg'
kg]{5 . o;/L g]K;] dfkm{t gfd;f/Lsf] nflu cg'/f]w eO{ cfPsf] gofF
k|df0fkqsf nflu s'g} b:t'/ nfUg] 5}g .
-cf_ C0fkq wgLn] ahf/ lgdf{tf ;dIf C0fkq laqmL ug]{ M C0fkq wgLn] ahf/
lgdf{tf ;dIf C0fkq laqmL u/L ahf/ lgdf{tf dfkm{t k|lqmof k'¥ofO{ cfjZos
sfuhft ;lxt gfd;f/Lsf] nflu kq k|fKt ePdf laqm]tfsf] gfpFdf C0fkq
vftfdf /x]sf] laqmL u/]sf] C0fkq / /sd 8]la6 u/L ;DalGwt ahf/
lgdf{tfsf] C0fkq vftfdf -laqm]tfaf6 vl/b u/]sf] C0fkq / /sd_ l;i6daf6}

17
 6«fG;km/ dfkm{t qm]l86 ug'{kg]{5 . o:tf] sf/f]af/df ahf/ lgdf{tfsf] gfpFdf
gofF k|df0fkq agfpg' kb}{g .
-O_ O{R5's AolQmn] ahf/ lgdf{tf dfkm{t C0fkq vl/b ug]{ M O{R5's AolQmn] ahf/
lgdf{tf dfkm{t C0fkq vl/b u/]sf] cj:yfdf ahf/ lgdf{tf dfkm{t k|lqmof
k'¥ofO{ cfjZos sfuhft ;lxt gfd;f/Lsf] nflu kq k|fKt ePdf ahf/
lgdf{tfsf] gfpFdf /x]sf] p;n] laqmL u/]sf] C0fkq tyf ;f] a/fa/sf] /sd
;DalGwt ahf/ lgdf{tfsf] C0fkq vftfaf6 vr{ u/L qm]tfsf] C0fkq vftfdf
-C0fkq vftf gePdf gofF vf]Ng' kg]{_ l;i6daf6} 6«fG;km/ dfkm{t hDdf
ug'{kg]{5 . o:tf] cj:yfdf vl/bstf{sf] gfpFdf gofF k|df0fkq tyf Aofh
e'QmfgL k"hf{ agfO{ ahf/ lgdf{tf dfkm{t ;DalGwt AolQmnfO{ pknAw u/fpg
kq;fy k7fpg' kg]{5 .
bf];|f] ahf/df ahf/ lgdf{tf dfkm{t vl/b laqmL ePsf C0fkqx? / k]z
ul/Psf sfuhftx? k|rlnt ahf/ lgdf{tf ;DaGwL sfo{ljlw tyf cGo lgod,
ljlgod cg';f/ eP÷gePsf] af/]df hfFra'em ug'{ o; kmfF6sf] st{Ao x'g
cfpFb5 .
-O{_ 3/fo;L b/lk7 u/L C0fkq vl/b laqmL ug]{ M 3/fo;L b/lk7 u/L vl/b laqmL
ePsf C0fkq gfd;f/Lsf nflu lgodfg';f/ nfUg] b:t'/ lt/]sf] ef}r/ tyf
g]kfnL gful/stfsf] 5ljlrq ;lxt k|fKt x'g cfPdf laqm]tfsf] C0fkq vftfdf
/x]sf] laqmL ePsf] C0fkq / /sd vr{ u/L qm]tfsf] C0fkq vftfdf -C0fkq
vftf gePdf gofF vf]Ng' kg]{_ l;i6daf6} 6«fG;km/ dfkm{t hDdf ug'{kg]{5 .
o:tf] cj:yfdf vl/bstf{sf] gfpFdf gofF k|df0fkq tyf Aofh e'QmfgL k"hf{
agfO{ ;DalGwt AolQmnfO{ pknAw u/fpg' kg]{5 .
-p_ a}+ssf pkTosf aflx/sf sfof{nox? dfkm{t vl/b ePsf C0fkqx? M -!_
a}+ssf pkTosf aflx/sf sfof{nox? dfkm{t bf];|f] ahf/df C0fkqsf] vl/b
sfo{ dfq x'G5, laqmL sfo{ x'g] u/]sf] 5}g . a}+ssf pkTosf aflx/sf
sfof{nox?af6 C0fkqsf] bf];|f] ahf/df C0fkq wgLx?af6 vl/b u/]sf]
C0fkq k|lqmof k'¥ofO{ cfjZos sfof{y{ ljefudf k|fKt ePsf] cj:yfdf o;
kmfF6n] pQm C0fkq laq]mtfsf] C0fkq vftf vr{ u/L g]kfn /fi6« a}+s bf];|f]
ahf/sf] gfpFdf /x]sf] vftfdf hDdf ug'{kb{5 . o:tf] sf/f]af/df laqmL ePsf]
C0fkq a/fa/sf] /sd a}+ssf] ;DalGwt C0fkq nufgL vftf vr{ eO{
laq]mtfsf] a}+s l:yt Non-Operative vftfdf hDdf x'g hfG5 . ;fy} o;
a}+sn] ;f] C0fkq vl/b u/] jfkt laqm]tfnfO{ ltg'{kg]{ afFsL cjlwsf] Aofh
/sd o; a}+sdf /x]sf] ;/sf/L C0fkq bf];|f] ahf/ sf/f]af/ vr{ vftf vr{
eO{ C0fkq laqm]tfsf] vftf (Non-Operative Account) df hDdf x'g hfG5 .
-@_ a}+ssf pkTosf aflx/sf sfof{nox?n] bf];|f] ahf/df laqm]tf dfkm{t C0fkq
vl/b ubf{ e'QmfgL lbg' kg]{ ;fFjf / afFsL cjlwsf] Aofh /sd a}+sl:yt
;DalGwt vftf vr{ u/L e'QmfgL lbg'kg]{ Joj:yf /x]sf]n] a}+sn] C0fkq vl/b
jfkt e'QmfgL lbPsf] /sd pk/f]Qm vftfdf g]u]l6e Aofn]G;sf] ?kdf /x]sf]
x'G5 . To;}n] dfly plNnlvt sf/f]af/ kZrft\ ;DalGwt laqm]tfsf] Non-
Operative vftfdf l;i6daf6 hDdf x'g uPsf] ;fFjf tyf Aofh /sd o;
18
 kmfF6n] C0fkq laqm]tfsf] pQm ;DalGwt vftf vr{ u/L ;DalGwt vftfdf
hDdf u/L lx;fa ldnfg ug'{kg]{5 .
-pm_ pkTosf aflx/sf a}+ssf sfof{nox?n] bf];|f] ahf/af6 vl/b u/]sf C0fkq
Aofh e'QmfgL ldlteGbf k5fl8sf] ldltdf ljefudf k|fKt x'g cfPdf tL
C0fkqsf] lx;fj ldnfg Aofh e'QmfgL ldltsf lbgsf] Value date df a}+sn]
vl/b ug'{ kb{5 . a}+sn] vl/b u/]sf] ldlteGbf cufl8sf] ls:tfsf] Aofh
;DalGwt C0fkq ljq]mtfsf] vftfdf l;i6daf6} hDdf x'g] ePsf] x'Fbf a}+sn]
vl/b u/]sf] ldltb]lv Aofh e'QmfgL ldlt -vl/b u/]sf] ldlt_ eGbf cl3Nnf]
lbg;Ddsf] Aofh Dofg'cnL lx;fj u/L l;i6daf6} a}+ssf] C0fkqsf] Aofh
cfDbfgL lx;fjdf / afFsL Aofh h'g sfof{non] vl/b u/]sf] xf] ;f]xL
sfof{nosf] ;DalGwt vftfdf hDdf u/L lx;fj ldnfg ug'{kg]{5 .
-u_ cGo sfo{x?M
-!_ C0fkqsf] v08Ls/0f jf PsLs/0fM C0fkqsf] v08Ls/0f jf PsLs/0fsf nflu
C0fkq wgLn] ;Ssn C0fkqsf ;fydf gful/stfsf] 5ljlrq ;+nUg /fvL
lgodfg';f/sf] b:t'/ lt/]sf] ef}r/ ;lxt ljefudf lgj]bg lbPsf] cj:yfdf
o; kmfF6n] ;DalGwt lgj]bssf] C0fkq vftfdf s'g} sf/f]af/ gu/L k|fKt
k'/fgf] C0fkq /2 u/L ;DalGwt lgj]bssf] dfu cg';f/ csf]{ gofF C0fkq
pknAw u/fpg' kg]{5 .
-@_ C0fkqsf] d[To' gfd;f/LM C0fkq wgLsf] d[To' ePdf /fi6« C0f P]g cg';f/
pQm C0fkqdf xs k'Ug] JolQmaf6 ;f]sf nflu lgodfg';f/ k]z ug'{kg]{
cfjZos sfuhft ;lxt ljefudf lgj]bg k]z x'g cfPdf o; kmfF6n] k]z
ePsf sfuhftx?sf] cfjZos hfFra'em u/L P]g tyf lgodfjnLdf plNnlvt
Aoxf]/fsf] cfwf/df xsjfnf ls6fg u/L ljefuLo ;b/ l6Kk0fL adf]lhd d[ts
C0fkq wgLsf] gfpFdf /x]sf] k'/fgf] C0fkq /2 u/L lghsf] glhssf] xsjfnf
JolQmsf] gfpFdf gofF k|df0fkq agfO{ pknAw u/fpg' kg]{5 . o;f] ubf{ d[ts
C0fkq wgLsf] C0fkq vftfdf ePsf] C0fkqnfO{ gofF xsjfnf AolQmsf]
C0fkq vftf -vftf gePsf] eP vf]Ng' kg]{_ df pQm C0fkq l;i6daf6}
6«fG;km/ u/]sf] x'g' kg]{5 . olb d[ts C0fkq wgLsf] Non-Operative vftfdf
e'QmfgL lng'kg]{ Aofh /sd afFsL ePdf ;f] Aofh /sd ;d]t gofF xsjfnfsf]
Non-Operative vftfdf l;i6daf6} /sdfGt/ ug'{kg]{5 .
-#_ C0fkqsf] k|ltlnlk lbg]M C0fkq x/fPdf, RofltPdf, rf]l/Pdf, gi6 ePdf jf
cGo s'g} sf/0faf6 c:ki6 ePdf ;f]sf nflu lgodfg';f/ k]z ug'{kg]{ cfjZos
sfuhft / C0fkqsf] k|ltlnlk eP ;f] ;d]t ;+nUg u/L kl5Nnf] ls:tfsf]
Aofh e'QmfgL lnPsf] ;+:yfsf] gfd, b/kL7 u/L laqmL gu/]sf] / s'g} ;+:yfdf
lwtf] g/fv]sf] eGg] Joxf]/f v'nfO{ lgodfg';f/ ltg'{kg]{ b:t"/ a'emfPsf] ef}r/
;lxt C0fkq wgLn] To:tf] C0fkqsf] k|ltlnlk kfpF egL ljefu ;dIf lgj]bg
lbPsf] cj:yfdf o; kmfF6n] k|rlnt P]g tyf lgodfjnLdf plNnlvt Joj:yf
adf]lhdsf] cjlw / cfjZos k|lqmof k"/f u/L cfjZos b]lvPdf sj'lnotgfdf
;d]t u/fO{ :jLs[t ljefuLo l6Kk0fLsf] cfwf/df To:tf] C0fkqsf] k|dfl0ft
k|ltlnlk lbg' kg]{5 .
19
-$_ C0fkqsf] df}Hbft k|df0fLs/0fM C0fkq wgLn] ;Ssn C0fkq / ;f]sf] 5ljlrq
;lxt k|df0fLs/0f cfjZos ePsf] d'b|fsf] gfd cflb ljj/0f v'nfO{
lgodfg';f/sf] b:t'/ a}+ssf] gfkmf gf]S;fg cfDbfgL lx;fj k'm6s/ vftfdf
hDdf u/]sf] ef}r/ ;+nUg u/L C0fkqsf] df}Hbft k|df0fLs/0fsf nflu ljefu
;dIf lgj]bg lbPdf o; kmfF6n] To:tf] C0fkqsf] df}Hbft k|df0fLs/0f kq
cfjZostf cg';f/sf] efiffdf agfO{ pknAw u/fpg' kg]{5 . o;/L k|df0fLs/0f
kq tof/ ug'{ cufj} ;Ssn C0fkq lgodfg';f/ eP÷gePsf] ?h' ug'{kg]{5 .
-%_ OR5fkqM /fi6« C0f P]g tyf lgodfjnLdf ePsf] Joj:yf adf]lhd cfˆgf]
z]ifkl5 C0fkqdf xs k'Ug] u/L s;}nfO{ OR5fpg rfxg] C0fkq wgLn]
lgodfjnLsf] cg';"rLdf lbO{P adf]lhdsf] b'O{ k|lt OR5fkq kmf/d e/L b'a}
k|lt kmf/ddf OR5fO{Psf] JolQmsf] kmf]6f] 6fF; u/L OR5fO{Psf] JolQmsf]
gful/stfsf] 5ljlrq / cfjZos sfuhft ;+nUg /fvL C0fkqsf] ;Ssn
k|df0fkq ;lxt ljefudf lgj]bg k]z ug{ ;Sg]5g\ . o;/L OR5fkqsf] nflu
lgj]bg k]z x'g cfPdf o; kmfF6n] hfFra'em u/L OR5fkq ul/lbg] C0fkq
wgLsf] ;Ssn k|df0fkqdf OR5fkq u/]sf] ldlt, OR5fO{Psf] JolQmsf] gfd /
cfjZos Aoxf]/f pNn]v u/L ;f] Aoxf]/f ljefuLo k|d'vaf6 k|dfl0ft u/fO{,
ljefusf] 5fk nufO{ C0fkq wgLnfO{ pknAw u/fpg' kg]{5 . :jLs[t b'O{k|lt
OR5fkq kmf/ddWo] Psk|lt wgLnfO{ lbg] / Psk|lt ljefudf ;'/lIft tyf
Jojl:yt tj/n] kmfOn u/L /fVg' kg]{5 .
-^_ ahf/ lgdf{tf tyf laqmL Ph]06sf] OhfhtkqM ahf/ lgdf{tf tyf j}b]lzs
/f]huf/ artkq ;DaGwL sfo{ljlw cg';f/ ;/sf/L C0fkqsf] k|fylds tyf
bf];|f] ahf/ sf/f]af/ ug{ OR5's ljQLo ;+:yf Pjd\ /]ld6\ofG; sDkgLn] tf]lsP
adf]lhdsf cfjZos sfuhft ;+nUg u/L gofF Ohfhtkqsf nflu tf]lsPsf]
adf]lhdsf] b:t'/ lt/]sf] ef}r/ ;lxt ahf/ lgdf{tf tyf laqmL Ph]06sf]
Ohfhtkqsf nflu h'g;'s} ;dodf ljefudf cfj]bg k]z u/]sf] cj:yfdf o;
kmfF6n] pQm sfo{ljlwx?df tf]lsP adf]lhdsf] k|lqmof k"/f u/L tf]lsP
adf]lhdsf] cjlwsf] nflu Ohfhtkq k|bfg ug'{kg]{5 . pQm Ohfhtkqx?sf]
gd"gf cg';"rL @ / # df pNn]v ul/Psf] 5 . ahf/ lgdf{tf tyf laqmL
Ph]06sf] Ohfht k|fKt ;+:yfnfO{ ;/sf/L C0fkqsf] k|fylds tyf bf];|f] ahf/
sf/f]af/ k|rlnt sfo{ljlw cg';f/ ug{ nufpg' kg]{5 .
-&_ Ohfhtkq gjLs/0fM tf]lsPsf] ;do;Ldf leq ahf/ lgdf{tf tyf laqmL
Ph]06af6 cfk\mgf] Ohfhtkq gjLs/0fsf nflu cfjZos sfuhft ;lxt
tf]lsP adf]lhdsf] b:t"/ -yk b:t"/ nfUg] eP ;f] ;d]t_ lt/]sf] ef}r/ /
Ohfhtkqsf] ;Ssn k|lt ;+nUg u/L ljefudf lgj]bg k]z x'g cfPdf o;
kmfF6n] cfjZos k|lqmof k"/f u/L To:tf] Ohfhtkq gjLs/0f ul/lbg' kg]{5 .
Ohfhtkq gjLs/0f gug]{ jf gePsf ahf/ lgdf{tfsf] :jfldTjdf /x]sf
C0fkq -bf];|f] ahf/af6 vl/b u/]sf C0fkq dfq_ Ohfhkqsf] axfn cjlw
kZrft\sf] ldltdf a}+sn] ;sf/ u/L ;f] jfktsf] ;fFjf tyf Aofh /sd pQm
ahf/ lgdf{tfsf] vftfdf hDdf u/L lbg' kg]{5 .

20
-*_ ahf/ lgdf{tf tyf laqmL Ph]06sf] lg/LIf0f, cg'udg, cg'lzIf0f tyf sf/jfxLM
ljefun] Ohfhtkq k|bfg u/]sf ahf/ lgdf{tf tyf laqmL Ph]06n] ;/sf/L
C0fkqsf] k|fylds tyf bf];|f] ahf/ sf/f]af/ tf]lsP adf]lhd Pjd\ lgodfg';f/
k|lqmof k'¥ofO{ u/]÷gu/]sf] tyf ljefun] hf/L u/]sf gLlt lgb]{zgx? kfngf
u/]÷gu/]sf] ;DaGwdf ;do ;dodf lg/LIf0f tyf cg'udg ug'{kg]{5 .
cfjZos b]lvPdf ;f] af/]df cg'lzIf0f ;d]t lbg ;lsg]5 . ahf/ lgdf{tf tyf
laqmL Ph]06sf] lg/LIf0f tyf cg'udg sfo{df vl6O{ hfg] sd{rf/Ln] lg/LIf0f
kZrft\ cfjZos b]lvPdf /fo ;'emfj ;lxt tf]lsP adf]lhdsf] 9fFrfdf ljefu
;dIf lg/LIf0f k|ltj]bg k]z ug'{kg]{5 . ahf/ lgdf{tf tyf laqmL Ph]06n] ug]{
;/sf/L C0fkqsf] k|fylds tyf bf];|f] ahf/ sf/f]af/ ;DaGwL x/]s
lqmofsnfkx?sf] sfof{nod} a;L lgoldt ?kdf cg'udg ug'{kg]{5 . olb s'g}
ahf/ lgdf{tf tyf laqmL Ph]06sf] lqmofsnfk z+sf:kb jf ahf/ lgdf{tf tyf
j}b]lzs /f]huf/ artkq ;DaGwL sfo{ljlwsf] alv{nfk b]lvPdf t'?Gt v'nf
ahf/ ;~rfng ;ldltdf k]z u/L lg0f{ofg';f/ ljefuaf6 sf/jfxL cl3
a9fpg' kg]{5 .
-(_ ljz]if C0fkq lgisfzgM g]kfn ;/sf/af6 ljz]if C0fkq hf/L ug]{ ;DaGwdf
a}+snfO{ cg'/f]w eO{ cfPsf] cj:yfdf tf]lsPsf] ljj/0f tyf zt{sf] cwLgdf
/xL ueg{/sf] :jLs[lt kZrft\ To:tf] C0fkq hf/L ug'{kg]{5 . ljz]if C0fkq
hf/L ug'{ k"j{ ;DalGwt JolQm jf ;+:yfnfO{ plNnlvt /sdsf] kmf/d e/fO{
JolQm eP ;DalGwt JolQmsf] ;lx5fk / ;+:yf eP ;DalGwt ;+:yfsf b'O{hgf
clwsf/Lsf] b:tvt u/fO{ ;+:yfsf] 5fk nufPkl5 ;DalGwt wgLnfO{ ljz]if
C0fkqsf] k|df0fkq pknAw u/fpg' kg]{5 . lgisfzg ldltsf lbg cGo
C0fkqsf] h:t} lx;fj ldnfg u/L lgisflzt /sd g]kfn ;/sf/sf] /fi6« C0f
vftfdf hDdf ug'{kb{5 .
-!)_ ueg{/sf] b:tvtM -!_ ef}lts ?kdf k|df0fkq pknAw u/fpg' kg]{ dWod tyf
bL3{sfnLg C0fkqsf] k|df0fkq tyf Aofh e'QmfgL k'hf{df cGo clws[t
sd{rf/Lx?sf] b:tvt kZrft\ ljefuLo k|d'vsf] b:tvt ePkl5 tL
k|df0fkqx?sf] cu| efudf /x]sf] tf]lsPsf] :yfgdf ljefudf /x]sf] ˆofl;dfO{n
d]lzgaf6 ;DalGwt kmfF6 k|d'v, lgb]{zs / ljefuLo k|d'vsf] /f]xa/df
ueg{/sf] b:tvt 5fk nufpg' kg]{5 . o:tf] b:tvt 5fk nufpFbf lgDg
a'Fbfx?df Wofg lbg' kg]{ x'G5M–
-s_ ˆofl;dfO{n d]lzgn] b]vfPsf] gDa/
-v_ b:tvt 5fk nufpg' kg]{ C0fkqsf] qmd ;+Vof,
-u_ b:tvt 5fk nufO{ ;s]sf] Pp6} l;l/hsf] C0fkqsf] clGtd qmd;+Vof,
-3_ k|df0fkqsf] k|sf/ -k|ldz/L gf]6 jf :6s_ /
-ª_ cGo .
-@_ ˆofl;dfO{n d]lzgaf6 ueg{/sf] b:tvt 5fk nufPsf] ldlt, C0fkqsf]
k|sf/ -:6s jf k|ldz/L gf]6_, qmd;+Vof, ˆofl;dfO{n d]lzg gDa/, C0fkqsf]
yfg tyf ˆofl;dfO{n d]lzgn] b]vfPsf] clGtd gDa/ cflb ljj/0f
21
 æˆofl;dfO{n d]lzg gDa/ clen]v /lhi6«/Æ df pNn]v u/L 5fk nufpg]
sd{rf/L tyf kmfF6 k|d'v, pklgb]{zs, lgb]{zs / ljefuLo k|d'vsf] b:tvt
u/fpg' kg]{5 . o:tf] clen]v /lhi6«/ ;'/lIft ?kdf /fVg] lhDd]jf/L kmfF6
k|d'vsf] x'g]5 .
-!!_ 5kfO{ eO{ cfPsf C0fkqx? tyf xf]nf]u|fdsf] Joj:yfkg M 5kfO{ eO{ cfPsf
C0fkqx? tyf xf]nf]u|fd cgflws[t ?kdf k|of]udf gcfpg\ eGg] p2]Zon]
logLx?sf] plrt Joj:yfkg tyf ;'/Iffdf ljz]if Wofg lbg' kmfF6 k|d'vsf] d'Vo
bfloTj x'g cfpFb5 . o:tf C0fkq tyf xf]nf]u|fdsf] k|of]u kZrft\ ;f]sf]
clen]v k|dfl0ft u/fO{ Jojl:yt tj/n] /fVg' kg]{5 .
-!@_ e'QmfgL Dofb ;lsPsf C0fkqsf] kmfOnM C0fkq lgisfzg kZrft\ ;DalGwt
C0fkqsf] kmfOn Jojl:yt ?kdf cfjZos sfofy{ kmfF6df g} /fVg' kg]{5 .
C0fkqsf] e'QmfgL ldltsf lbg pQm kmfOn n]vf tyf zf]wegf{ kmfF6nfO{
x:tfGt/0f ug'{kg]{5 .
-!#_ kmfOlnªM C0fkq lgisfzg ug]{ qmddf k|fKt ePsf cfj]bgx? C0fkqsf] l;l/h
gDa/ / qmd;+Vof cg';f/ Jojl:yt ?kdf ldnfO{ ;lhn};Fu pknAw x'g] u/L
;'/lIft tj/n] kmfOn v8f u/L /fVg' kg]{5 . bf];|f] ahf/ sf/f]af/ cGtu{t
k|fKt sfuhftx? tyf clen]vx? l;i6daf6 lk|06 u/L Jojl:yt tj/n] /fVg]
ug'{kg]{5 . ahf/ lgdf{tfaf6 k|fKt ePsf b}lgs tyf dfl;s sf/f]af/ ljj/0f,
/2 ul/Psf C0fkq / kmFf6df k|fKt ePsf cGo ;Dk"0f{ sfuhft ;d]t
;DalGwt kmfOndf vf]h]sf] ;dodf t'?Gt} pknAw x'g] u/L ;'/lIft tj/n]
/fVg' kg]{5 .
-!$_ lwtf] /fvL C0f lnPsf C0fkq /f]Ssf ;DaGwL Joj:yfM @)&) j}zfv ! b]lv
a}+sn] k|of]u ub}{ cfPsf] gofF lhPn l;i6ddf lwtf] /fvL C0f lnPsf C0fkq
wgLx?sf] C0fkq /f]Ssf ug]{ ;DaGwdf s'g} ;xh Joj:yf gePsf] x'Fbf s'g}
C0fkq wgLn] s'g} a}+sdf cfk\mgf] C0fkq lwtf] /fvL C0f lnPsf] cj:yfdf
C0f k|bfg ug]{ ;+:yfaf6 pQm lwtf] /x]sf] C0fkq /f]Ssfsf] nflu ljefudf
cg'/f]w eO{ cfPdf o; kmFf6n] æC0fkq /f]Ssf clen]v /lhi6«/Æ df lwtf] /fVg]
C0fkq wgL / lwtf] /x]sf] C0fkqsf] ;Dk"0f{ ljj/0f pNn]v u/L /f]Ssf hgfO{
;DalGwt ;+:yfaf6 k|fKt kq ;'/lIft tj/n] kmfOn u/L /fVg' kg]{5 . /f]Ssf
/x]sf] C0fkq k'ms'jf ;DaGwL kq k|fKt eP kZrft\ pQm clen]v /lhi6«/df
k'ms'jf hgfO{ k|fKt k'ms'jf kq 5'§} kmfOndf kmfOlnª u/L /fVg' kg]{5 .

Kl/R5]b–^
n]vf tyf zf]wegf{ kmfF6
!^= n]vf tyf zf]wegf{ ;DaGwL sfo{M g]kfn ;/sf/sf] tk{maf6 a}+såf/f lgisfzg ul/Psf
C0fkqx? -6«]h/L lan afx]s_ sf] e'QmfgL ldltdf ;fFjf tyf Aofh /sd g]kfn
;/sf/;Fu dfu u/L ;f] /sd e'QmfgL ug]{, a}+s tyf ljQLo ;+:yf Pjd\ ahf/
lgdf{tfx?af6 dfu ePsf] zf]wegf{ /sd pknAw u/fpg] tyf sldzg /sd dfu ug]{,
k|bfg ug]{ sfo{;Fu ;DalGwt b]xfo adf]lhdsf sfo{x? o; kmfF6n] ug'{kg]{5M–
22
-s_ Aofh zf]wegf{M
-!_ g]kfn ;/sf/sf] tk{maf6 a}+såf/f hf/L ul/Psf ljleGg C0fkqdWo] k|To]s
dlxgfdf e'QmfgL lbg' kg]{ s'n Aofh /sdsf] lx;fa u/L e'QmfgL ug{ tf]lsPsf]
dlxgfeGbf cl3Nnf] dlxgfsf] d;fGt cufl8 g} g]kfn ;/sf/, dxfn]vf
lgoGqs sfof{no;Fu ;f] /sd dfu ug'{kg]{5 . o:tf] /sd dfu ubf{ kqdf
clVtof/ k|fKt clwsf/Lsf] b:tvt ug'{ ÷u/fpg' kg]{5 .
-@_ dxfn]vf lgoGqs sfof{no;Fu Aofh /sd dfu ubf{ C0fkqsf] lsl;d, ls:tf,
Aofhb/, Aofh e'QmfgL ldlt tyf s'n ;fFjf Pjd\ Aofh /sd :ki6 pNn]v
ug'{kg]{5 .
-#_ pkv08 -!_ adf]lhd kqfrf/ ubf{ clVtof/ k|fKt clwsf/L ;dIf pQm kq k]z
u/L kmFf6 k|d'vn] sfo{ ;Dkfbg ug]{5 / ;f]xL adf]lhd k|To]s dlxgfdf g]kfn
;/sf/;Fu To:tf] /sdsf] dfu ;dod} ug'{ ÷u/fpg' lghsf] st{Jo x'g]5 .
-$_ g]kfn ;/sf/af6 Aofh /sd jfktsf] r]s k|fKt ePkl5 pQm /sd tf]lsPsf]
vftfdf hDdf ug{sf nflu a}lsª sfof{nodf ;DalGwt vftfdf hDdf ug{
k7fpg' kg]{5 . a}ls+ª sfof{nonfO{ n]v]sf] ;f] kqsf] hfgsf/L g]kfn ;/sf/,
cy{ dGqfno, cfly{s gLlt ljZn]if0f dxfzfvf tyf dxfn]vf lgoGqs sfof{no,
C0f zfvfnfO{ lbg' kg]{5 . o;/L kq ;lxt r]s k7fpFbf r]ssf] k5fl8
;DalGwt kmfF6sf] clwsf/Ln] b/kL7 u/L a}+ssf] 5fk ;d]t nufpg' kg]{5 .
a}+lsª sfof{nodf hDdf ug{ k7fPsf] r]s ;DalGwt vftfdf hDdf ePsf]
olsg u/L Aofh e'QmfgL ldltsf lbg pQm vftf vr{ u/L ;DalGwt
C0fkqwgLx?sf] o; ljefudf /x]sf] C0fkq vftf (Non Operative Account)
df hDdf ug'{kg]{5 .
-%_ C0fkqsf] wgLn] Aofh e'QmfgL ldltdf cw{–jflif{s Aofh /sdsf] e'QmfgL o;
a}+ssf] sf7df8f}+ pkTosf leq a}lsª sfof{no, sf7df8f}+ pkTosf aflx/
a}+ssf sfof{no, cGo a}+s÷ljQLo ;+:yf tyf ahf/ lgdf{tfx?af6 lng
;Sg]5g\ . ljefun] tf]s]sf] 9Ffrf cg';f/sf] ef}r/ e/L÷e/fO{ wgL jf lghn]
lnlvt d~h'/Lgfdf lbPsf] AolQmn] C0fkqsf] k|df0fkq / Aofh e'QmfgL k"hf{
;d]t k]z u/]df dfq cfjZos k|lqmof k'¥ofO{ lghnfO{ To:tf] /sd e'QmfgL
lbg' kg]{5 . o;/L e'QmfgL lbOPsf] /sd zf]wegf{sf] nflu o; cGo a}+ssf
sfof{no afx]s a}+s÷ ljQLo ;+:yf tyf ahf/ lgdf{tfx?n] kq ;lxt pQm
ef}r/ o; ljefudf k7fpg' kg]{5 . ef}r/sf] gd"gf cg';"rL–$ df pNn]v eP
adf]lhd x'g]5 .
-^_ pkv08 -%_ cg';f/ kq k|fKt ePkl5 Aofh /sd zf]wegf{sf nflu k|fKt
ePsf] ef}r/ juL{s/0f u/L dfu ePsf] AolQmsf] gfddf ls:tf cg';f/ e'QmfgL
ePsf] Aofh /sd wgLnfO{ e'QmfgL lbPsf] 7Ls 5÷5}g x]/L 7Ls 7x/]df
;DalGwt a}+s tyf ljQLo ;+:yfsf] vftfdf pQm /sd hDdf u/L lbg' kg]{5 .
k|lqmof gk'¥ofO{ e'QmfgL lbPsf] ef}r/nfO{ sf/0f ;lxt ;DalGwt ;+:yfdf lkmtf{
k7fpg' kg]{5 . To;/L lkmtf{ k7fOPsf] ef}r/df cfjZos ;'wf/ u/L k'gM
zf]wegf{ dfu eO{ cfPdf Aofh /sdsf] zf]wegf{ lbg' kg]{5 . ljefuaf6
Aofhsf] zf]wegf{ lb+bf Aofhs/ ;lxtsf] k"/f /sd lbg' kg]{5 .
23
-v_ ;fFjf zf]wegf{M
-!_ cfufdL dlxgfdf e'QmfgL cjlw ;dfKt x'g] C0fkqsf] ;fFjfsf] ljj/0f tof/
kf/L e'QmfgL ug'{ kg]{ s'n ;fFjf /sd e'QmfgL ug{ tf]lsPsf] dlxgfeGbf
cl3Nnf] dlxgfsf] d;fGt cufl8 g} g]kfn ;/sf/, dxfn]vf lgoGqs
sfof{no;Fu ;f] /sd dfu ug'{kg]{5 . o:tf] /sd dfu ubf{ kqdf clVtof/
k|fKt clwsf/Laf6 b:tvt ug'{ ÷u/fpg' kg]{5 .
-@_ pkv08 -!_ adf]lhd dfu ul/Psf] ;fFjf /sdsf] r]s g]kfn ;/sf/af6 k|fKt
ePkl5 ;f] r]ssf] kl5Nnf] efudf b/lk7 u/L a}+ssf] 5fk nufO{ a}+lsª
sfof{nol:yt ;DalGwt C0fkqsf] ;fFjf lx;fj vftfdf hDdf ug{ k7fpg'
kg]{5 . o;/L a}+lsª sfof{nodf r]s hDdf ug{ k7fPsf] kqsf] hfgsf/L g]kfn
;/sf/, cy{ dGqfno, cfly{s gLlt ljZn]if0f dxfzfvf tyf dxfn]vf lgoGqs
sfof{no, C0f zfvf nfO{ ;d]t lbg' kg]{5 .
syd\sbflrt ;fFjf /sd e'QmfgL ug'{kg]{ lbg;Dd r]s k|fKt gePdf ;DalGwt
;fFjf lx;fj vftf vr{ u/L e'QmfgL ug'{kg]{5 / ;f]sf] zf]wegf{ dfu ug{ cy{
dGqfno, dxfn]vf lgoGqs sfof{nonfO{ tfs]tf ug'{kg]{5 . To;kl5 k|fKt
r]snfO{ ;DalGwt vftfdf hDdf ug{ a}+lsª sfof{nonfO{ kq n]vL r]s ;lxt
k7fpg' kg]{5 .
-#_ a}lsª sfof{nodf ;DalGwt C0fkq vftfdf ;fFjf /sd hDdf ePsf] osLg
u/L ;fFjf e'QmfgL ug'{kg]{ ldltsf lbg o; kmfF6n] ;DalGwt C0fkqwgLsf] a++}s
l:yt non-operative vftfdf ;fFjf /sd hDdf ug'{kg]{5 . To;kl5 a}+ls+ª
sfof{no / pkTosf aflx/sf a}+ssf sfof{noaf6 e'QmfgL ldlt ;dfKt ePsf
C0fkqsf wgLx?nfO{ clgjfo{ ?kdf ;fFjf e'QmfgL lbg' kg]{5 . a}+s÷ljQLo
;+:yf tyf ahf/ lgdf{tfx?n] klg C0fkqsf] ;fFjf /sd e'QmfgL lbg
;Sg]5g\ .
-$_ a}+lsª sfof{no / pkTosf aflx/sf a}+ssf sfof{nox? afx]ssf ;fFjf e'QmfgL
ug]{ a}+s÷ljQLo ;+:yf tyf ahf/ lgdf{tfx?n] zf]wegf{sf nflu ;Ssn} C0fkq
/ ;f]sf] ljj/0f ;lxtsf] kq ljefudf k7fpg' kg]{5 . C0fkqsf] k[i7 efudf
tf]lsPsf] :yfgdf ;fFjf e'QmfgL lnPjfkt wgLsf] ;xL5fk, /sd, ldlt, 7]ufgf
tyf kmf]g gDa/ n]lvPsf] / e'QmfgL lbg] ;+:yfsf] b'O{ hgf cflwsfl/s
AolQmsf] b:tvt / ;+:yfsf] 5fk ePdf ;fFjf /sdsf] zf]wegf{ pknAw u/fpg'
kg]{5 . lwtf]sf] ?kdf /flvPsf] C0fkq lgvGg gcfpFb} C0fkqsf] Dofb ;dfKt
ePdf lwtf]df lng] jfl0fHo a}+s jf ljQLo ;+:yfn] o:tf] C0fkqsf] ;fFjfsf]
zf]wegf{ dfu ug{ ;Sg]5 . o;/L zf]wegf{ dfu ubf{ C0fkqsf] ;fFjf tyf
Aofh e'QmfgL k"hf{sf] ;Ssn} k|lt ;lxt C0fLn] ul/lbPsf] td;'ssf] 5ljlrq
/ C0fkqsf] k5fl8kl§ æ;fFjf e'QmfgL k|fKt eof]Æ eGg] :yfgdf ;+:yfsf
;DalGwt b'O{hgf clwsf/Lsf] b:tvt / sfof{nosf] 5fk nufPsf] x'g' kg]{5 .
syd\sbflrt\ C0fLn] ul/lbPsf] td;'ssf] k|dfl0ft k|ltlnlk jf 5ljlrq k]z
ug{ g;s]df C0fLn] shf{ lnPsf] k|dfl0ft x'g] s'g} sfuhftsf] k|dfl0ft
k|ltlnlk jf 5ljlrq k]z ug'{kg]{5, cGoyf e'QmfgL lbO{g] 5}g .

24
 -%_ pkv08 -$_ adf]lhdsf] ljj/0f e/L zf]wegf{sf] nflu ljefudf C0fkq k|fKt
ePkl5 k|To]s JolQmsf] cfjZos ljj/0f ?h' u/L 7Ls 7x/]df ;DalGwt
C0fkq wgLsf] non-operative vftf vr{ u/L ;fFjf e'QmfgL ug]{ ;+:yfsf]
vftfdf ;fFjf tyf afFsL /x]sf] Aofh /sd hDdf ul/lbg' kg]{5 .
-u_ lx;fa ldnfgM C0fkq wgLsf] non-operative vftf lgoldt ?kdf reconcile u/L
e'QmfgL x'g aFfsL C0fkqx?sf] ;Ffjf tyf Aofh /sd dfq ;DalGwt wgLsf] vftfdf
b]lvg] Joj:yf ldnfpg' kg]{5 .
-3 _ /fi6« C0f Joj:yfkg z'NsM
-!_ k|To]s cfly{s jif{sf] c;f]h / r}t d;fGtdf g]kfn ;/sf/ / a}+s aLr ePsf]
;Demf}tfdf tf]lsP adf]lhdsf] b/n] x'g cfpg] /fi6« C0fsf] lgisfzg Pjd\
Joj:yfkg u/] jfktsf] Joj:yfkg z'Ns dfu ug{ g]kfn ;/sf/, dxfn]vf
lgoGqs sfof{nonfO{ kq n]Vg' kg]{5 . o:tf] kq jf ljj/0f tof/ ug{
ljefusf] 6]«h/L lan kmfF6 / lgisfzg tyf Joj:yfkg kmfF6n] cfjZos
tYofÍ pknAw u/fpg' kg]{5 .
-@_ pkv08 -!_ adf]lhd dfu u/]sf] /sdsf] r]s k|fKt ePkl5 clVtof/ k|fKt
clwsf/Laf6 b/kL7 u/L a}+ssf] 5fk ;d]t nufO{ ;DalGwt vftfdf hDdf ug{
kq ;lxt a}+lsª sfof{nodf k7fpg' kg]{5 . o;/L a}+lsª sfof{nonfO{ n]v]sf]
kqsf] hfgsf/L g]kfn ;/sf/, cy{ dGqfno, cfly{s gLlt ljZn]if0f dxfzfvf,
dxfn]vf lgoGqs sfof{no / a}+ssf] ljQ Joj:yfkg ljefudf ;d]t lbg'
kg]{5 .
-ª_ Aofh e'QmfgL sldzgM
-!_ ut cfly{s jif{el/ Aofh e'QmfgL u/]sf a}+s÷ljQLo ;+:yf tyf ahf/
lgdf{tfx?sf] o; kmFf6df /x]sf] tYofÍ adf]lhd g]kfn ;/sf/ / o; a}+s aLr
ePsf] ;Demf}tfsf] cfwf/df g]kfn ;/sf/;Fu sldzg /sd dfu ug'{kg]{5 .
o:tf] sfo{ c;f/ d;fGt jf gofF cfly{s jif{sf] z'?d} ug'{kg]{5 .
-@_ pkv08 -!_ adf]lhd dfu u/]sf] sldzg /sd k|fKt ePkl5 pQm r]s
/sdnfO{ a}+lsª sfof{nodf ;DalGwt sldzg vftfdf hDdf ug{ k7fpg'
kg]{5 . o;/L k7fPsf] r]s ;DalGwt vftfdf hDdf ePsf] osLg u/L ;f]xL
vftf vr{ u/]/ ;DalGwt a}+s÷ljQLo ;+:yf jf ahf/ lgdf{tfsf] vftfdf
k|rlnt lgodfg';f/ s/ s§L u/L afFsL /sd hDdf ug'{kg]{5 . s/ s§L
jfktsf] /sd ;DalGwt s/ lx;fj vftfdf hDdf ug'{kg]{5 . o;/L pknAw
u/fOPsf] /sdsf] hfgsf/L g]kfn ;/sf/, cy{ dGqfno / dxfn]vf lgoGqs
sfof{nonfO{ u/fpg' kg]{5 .
-r_ kmfOlnª tyf clen]v Joj:yfkgM a}+s÷ljQLo ;+:yf tyf ahf/ lgdf{tfn] Aofh
e'QmfgL u/]sf] /sddf k|bfg ul/Psf] sldzg /sdsf] ef}r/, sDKo"6/af6 tof/
ul/Psf] ljj/0f, ;fFjf e'QmfgL eO{;s]sf] C0fkq, Aofh e'QmfgL ef}r/ / ;fFjf
e'QmfgL lbg afFsL C0fkqsf] ljj/0fnfO{ tTsfn} k|fKt x'g] lsl;daf6 b]xfo
adf]lhd clen]v /fVg' kg]{5M–

25
 -s_ Aofh e'QmfgL ;DaGwL kmfOn M C0fkq lgisfzg eO;s]kl5 C0fkq wgLsf]
gfd / kf]6{kmf]lnof] cg';f/ C0fkqsf] cjlw adf]lhd ^÷^ dlxgfdf kfpg]
Aofh /sd / ls:tf ;+Vofsf] clen]v l;i6daf6 lk|G6 cfp6 lgsfnL
Jojl:yt ?kdf kmfOlnª u/L /fVg' kg]{5 .
-v_ ;fFjf e'QmfgL ;DaGwL kmfOnM o; kmfOndf ;fFjf e'QmfgL eO{ zf]wegf{sf]
lgldQ k|fKt k|df0fkq tyf Aofh e'QmfgL k'hf{sf] lgodfg';f/ e'QmfgL u/L
pQm ef}r/ / e'QmfgL ePsf] ;fFjf tyf Aofh e'QmfgL k"hf{df cancelled 5fk
nufO{ l;l/h cg';f/ Jojl:yt ?kdf 5'§f5'§} /fVg' kg]{5 .
-u_ kmfOlnªM a}ssf] s]Gb|Lo sfof{noaf6 hf/L ul/Psf kl/kq, ljefusf] cfGtl/s
kl/kq tyf cfb]z, ef}r/x? / tL ef}r/sf] cfwf/df cfjZos sf/f]af/sf
nflu ;DalGwt lgsfo;Fu ul/Psf] kqfrf/sf] sfof{no k|ltx? ;'/lIft Pjd\
vf]h]sf] ;dodf t'/Gt pknAw x'g] u/L kmfO{lnª u/L /fVg' kg]{5 .
-5_ rnfgLM kmFf6af6 ;DalGwt lgsfodf k7fOg] lr¶Lkq rnfgL u/]/ dfq k7fpg'
kg]{5 . a}+ssf] yfkfynLl:yt ljefu Pjd\ sfof{nodf k7fOg] lr¶Lkq ljefud}
sfo{/t tf]lsPsf sd{rf/Laf6 lat/0f ul/g] / To;eGbf afx]ssf 7]ufgfdf k7fOg]
lr¶Lkq cfjZos Joj:yfkgsf nflu ljefusf] gLlt of]hgf tyf cfGtl/s k|zf;g
kmFf6df a'emfpg' kg]{5 .

kl/R5]b–&
df}lb|s Joj:yfkg kmfF6
!&= df}lb|s Joj:yfkg ;DaGwL sfo{M a}+ssf] cg';Gwfg ljefun] tof/ ug]{ æt/ntf cg'udg
tyf k|If]k0f ;+/rgf (LMFF)Æ tyf cGo kl/;"rsx?n] OlËt u/] cg';f/ a}+lsª k|0ffnLdf
clws t/ntf eP k|zf]rg ug]{ / Go"g t/ntf eP k|jfx ug]{ sfo{ v'nf ahf/ sf/f]af/
;~rfng ;ldltsf] lg0f{ofg';f/ æg]kfn /fi6« a}+s v'nf ahf/ sf/f]af/ ljlgodfjnL,
@)&!Æ adf]lhd o; kmFf6n] ug{' kg]{5 . v'nf ahf/ sf/f]af/sf ;Gbe{df ul/g] l/kf]÷l/e;{
l/kf] Pjd\ ;f]e}m vl/b÷laqmL sf/f]af/ tyf :yfoL t/ntf ;'ljwf sf/f]af/sf nflu
sfp06/kf6L{x?n] ;/sf/L C0fkqx? -6]«h/L laN; / ljsf; C0fkqx?_, g]kfn /fi6« a}+s
C0fkq jf a}+såf/f lgwf{l/t cGo ;'/If0fkq a}+s ;dIf k]z ug'{kg]{5 . o;sf ;fy} o;
kmfF6n] ;/sf/L C0fkq tyf df}lb|s sf/f]af/ ;DaGwL tYofÍ tyf hfgsf/L cBfjlws
dfl;s ?kdf a}+ssf] j]e;fO6 dfk{mt\\ k|sfzg ug]{ / To;nfO{ lgoldt ?kdf cBfjlws
ug]{ sfo{ ug'{kg]{5 .
-s_ l/kf] af]nsaf]n sf/f]af/M -!_ ljQLo k|0ffnLdf ;fwf/0f k|s[ltsf] Go"g t/ntf
ePsf] cj:yfdf ;ldltsf] lg0f{o adf]lhd cfjZostf cg';f/ ;ft lbgsf nflu lgoldt
k|sf/sf] l/kf] af]nsaf]n sf/f]af/ dfk{mt\\ t/ntf k|jfx ug{' kb{5 . o:tf] sf/f]af/ ubf{
a}+sn] eljiodf lglZrt ldltdf lglZrt /sd a/fa/sf] C0fkq vl/b÷laqmL ug]{
k|ltj4tf ;lxt sfp06/kf6L{;uF ;Demf}tf -dfi6/ l/kr]{h Pu|Ld]06_ ug'{kg]{5 .
-@_ a}+s;Fu dfi6/ l/kr]{h Pu|Ld]06 gu/]sf sfp06/kf6L{x? l/kf] af]nsaf]n sf/f]af/df
;xefuL x'g of]Uo dflgg] 5}gg\ .

26
-#_ l/kf] af]nsaf]n sf/f]af/ ul/g] /sd, lgisfzg tyf e'QmfgL ldlt, of]Uo ;'/If0fkq
tyf cGo cfjZos sfuhftsf] ljifodf ;ldltaf6 :jLs[t u/fO{ af]nsaf]n ldlt cufj}
a}+ssf] j]j;fO6 tyf Online Bidding System df ;"rgf k|sfzg ug'{ kg]{5 .
-$_ l/kf] af]nsaf]n sf/f]af/ Aofhb/df cfwfl/t af]nsaf]n k|lqmof dfkm{t ug{' kg]{5 .
af]nsaf]n ldltdf k|fKt af]n cg'udg ug]{ / af]nsaf]nsf] nflu tf]lsPsf] ;do kZrft\
cgnfO{g af]nsaf]n k|0ffnLaf6 k|fKt glthf ljj/0fsf] cfwf/df dfOGo"6 tof/ u/L
:jLs[ltsf] nflu v'nf ahf/ sf/f]af/ ;~rfng ;ldlt ;dIf k]z ug'{kg]{5 .
-%_ l/kf] pks/0f lgisfzg ldltdf af]nsaf]ndf ;kmn af]nstf{sf] o; a}+sdf /x]sf]
vftfdf afF8kmfF6 cg';f/sf] l/kf] /sd hDdf ul/lbg' kb{5 . o;/L /sd hDdf ug'{ cl3
;DalGwt af]nstf{n] afF8kmfF6 cg';f/sf] /sdsf] !!) k|ltzt /sd a/fa/sf]
;'/If0fkqsf] ;Ssn} k|lt lwtf] :j?k a}+sdf a'emfPsf] x'g' kb{5 .
-^_ l/kf] af]nsaf]nsf] kl/0ffd a}+ssf] j]a;fO6 tyf Online Bidding System dfk{mt\\
;fj{hlgs ug'{kg]{5 .
-&_ of] pks/0fsf] e'QmfgL ldltdf lgisfzg ldltsf lbg ;DalGwt af]nstf{sf] o;
a}+sdf /x]sf] vftfdf hDdf u/L k|bfg u/]sf] l/kf] /sd ;f]xL vftf vr{ u/L Psd'i6 ;fFjf
Aofh /sd e'QmfgL lng' kg]{5 / lwtf] lnPsf ;'/If0fkq tf]lsP adf]lhd lkmtf{ ug'{kg]{5 .
-v_ l/e;{ l/kf] af]nsaf]n sf/f]af/M -!_ ljQLo k|0ffnLdf ;fwf/0f k|s[ltsf] clws t/ntf
ePsf] cj:yfdf ;ldltsf] lg0f{o adf]lhd cfjZostf cg';f/ ;ft lbgsf nflu lgoldt
k|sf/sf] l/e;{ l/kf] af]nsaf]n sf/f]af/ dfk{mt\\ t/ntf k|zf]rg ug{' kg]{5 . o:tf] sf/f]af/
ubf{ a}+sn] eljiodf lglZrt ldltdf lglZrt /sd a/fa/sf] C0fkq vl/b÷laqmL ug]{
k|ltj4tf ;lxt sfp06/kf6L{;uF ;Demf}tf -dfi6/ l/kr]{h Pu|Ld]06_ ug'{kg]{5 .
-@_ t/ntf k|zf]rg ug]{ k|of]hgfy{ k|of]u x'g] l/e;{ l/kf] pks/0fsf] af]nsaf]n cfXjfg
tyf lgisfzg ubf{ a}+sn] cfˆgf] :jfldTjdf /x]sf] 6«]h/L lan lwtf] :j?k /fVg' kg]{5 .
-#_ l/e;{ l/kf] af]nsaf]n sf/f]af/ ul/g] /sd, lgisfzg tyf e'QmfgL ldlt, tyf cGo
cfjZos ljj/0f v'nf ahf/ sf/f]af/ ;~rfng ;ldltaf6 :jLs[t u/fO{ af]nsaf]n ldlt
cufj} a}+ssf] j]j;fO6 tyf Online Bidding System df ;"rgf k|sfzg ug'{ kg]{5 .
-$_ l/e;{ l/kf] af]nsaf]n sf/f]af/ Aofhb/df cfwfl/t af]nsaf]n k|lqmof dfkm{t
ug'{kg]{5 . af]nsaf]n ldltdf k|fKt af]n cg'udg ug]{ / af]nsaf]nsf] nflu tf]lsPsf]
;do kZrft\ cgnfO{g af]nsaf]n k|0ffnLaf6 k|fKt glthf ljj/0fsf] cfwf/df dfOGo"6
tof/ u/L :jLs[ltsf] nflu v'nf ahf/ sf/f]af/ ;~rfng ;ldlt ;dIf k]z ug'{kg]{5 .
-%_ l/e;{ l/kf] pks/0f lgisfzg ldltdf af]nsaf]ndf ;kmn af]nstf{sf] o; a}+sdf
/x]sf] vftfjf6 afF8kmfF6 cg';f/sf]] /sd vr{ u/L lx;fj ldnfg ug'{kg]{5 / tf]lsP
adf]lhdsf] Reverse Repo Advice pknAw u/fpg' kg]{5 .
-^_ l/e;{ l/kf] af]nsaf]nsf] kl/0ffd a}+ssf] j]a;fO6 tyf Online Bidding System
dfk{mt\\ ;fj{hlgs ug'{kg]{5 .
-&_ of] pks/0fsf] e'QmfgL ldltdf lgisfzg ldltsf lbg ;DalGwt af]nstf{sf] o;
a}+sdf /x]sf] vftfaf6 vr{ u/L lnPsf] /sd ;f]xL vftfdf hDdf u/L Psd'i6 ;fFjf Aofh
/sd e'QmfgL ug'{kg]{5 . l/e;{ l/kf] pks/0fdf ul/Psf] nufgLaf6 cflh{t Aofh /sddf
27
cfos/ nfUg] Joj:yf 5 . e'QmfgL cjlw ;dfKt ePsf l/kf] tyf l/e;{ l/kf]df k|fKt
Advice x? Jojl:yt tj/n] kmfOn u/L /fVg' kg]{5 .
-u_ lgIf]k ;+sngM -!_ ljQLo k|0ffnLdf c;fwf/0f k|s[ltsf] clws t/ntf ePsf]
cj:yfdf ;ldltsf] lg0f{o cg';f/ s'g} klg lbg clwstd () lbgsf nflu lgIf]k ;+sng
pks/0f dfkm{t\ t/ntf k|zf]rg ug{' kg]{5 .
-@_ lgIf]k ;+sng pks/0fsf] /sd, lgisfzg tyf e'QmfgL ldlt, tyf cGo cfjZos
ljj/0f v'nf ahf/ sf/f]af/ ;~rfng ;ldltaf6 :jLs[t u/fO{ af]nsaf]n ldlt cufj}
a}+ssf] j]j;fO6 tyf Online Bidding System df ;"rgf k|sfzg ug'{kg]{5 .
-#_ lgIf]k ;+sng pks/0fsf] sf/f]af/ Aofhb/df cfwfl/t af]nsaf]n k|lqmof dfkm{t
ug{'kg]{5 . af]nsaf]n ldltdf k|fKt af]n cg'udg ug]{ / af]nsaf]nsf] nflu tf]lsPsf]
;do kZrft\ cgnfO{g af]nsaf]n k|0ffnLaf6 k|fKt glthf ljj/0fsf] cfwf/df dfOGo"6
tof/ u/L :jLs[ltsf] nflu v'nf ahf/ sf/f]af/ ;~rfng;ldlt ;dIf k]z ug'{kg]{5 .
-$_ lgIf]k ;+sng pks/0f lgisfzg ldltdf af]nsaf]ndf ;kmn af]nstf{sf] a}+sdf
/x]sf] vftfjf6 afF8kmfF6 cg';f/sf]] /sd vr{ u/L lx;fj ldnfg ug'{kg]{5 / tf]lsP
adf]lhdsf] P8efO; pknAw u/fpg' kg]{5 .
-%_ lgIf]k ;+sng pks/0f jf]nsjf]nsf] kl/0ffd a}+ssf] j]a;fO6 tyf Online Bidding
System dfk{mt\\ ;fj{hlgs ug'{kg]{5 .
-^_ of] pks/0fsf] e'QmfgL ldltdf lgisfzg ldltsf lbg ;DalGwt af]nstf{sf] a}+sdf
/x]sf] vftfdfaf6 vr{ u/L lnPsf] /sd / lgwf{l/t Aofhb/n] x'g] /sd ;f]xL vftfdf
hDdf u/L lkmt{f e'QmfgL ug'{ kb{5 .
-3_ ;f]em} vl/b af]nsaf]n sf/f]af/M -!_ ljQLo k|0ffnLdf ;+/rgfTds k|s[ltsf] Go"g
t/ntf ePsf] cj:yfdf cfjZostf cg';f/ ;ldltsf] lg0f{o adf]lhd ;f]em} vl/b
af]nsaf]n sf/f]af/ dfk{mt\\ t/ntf k|jfx ug{ ;lsg]5 .
-@_ ;f]em} vl/b af]n cfXjfg ubf{ tf]lsPsf] lbg leq e'QmfgL x'g] cfˆgf] :jfldTjsf
of]Uo ;'/If0f kqx? laqmLsf] nflu af]n ug'{kg]{ eGg] Aoxf]/f v'nfO{ sf/f]af/ ul/g] /sd,
e'QmfgL ldlt tyf cGo cfjZos ljj/0f v'nf ahf/ sf/f]af/ ;~rfng ;ldltaf6 :jLs[t
u/fO{ af]nsaf]n ldlt cufj} a}+ssf] j]a;fO6 tyf Online Bidding System dfkm{t
;fj{hlgs hfgsf/L u/fpg' kg]{5 .
-#_ ;f]em} vl/b af]nsaf]n sf/f]af/ af]n d"Nodf af]nsaf]n k|lqmof dfk{mt\\ u/fpg'
kg]{5 . af]nsaf]n ldltdf k|fKt af]n cg'udg ug]{ / af]nsaf]nsf] nflu tf]lsPsf] ;do
kZrft\ cgnfO{g af]nsaf]n k|0ffnLaf6 k|fKt glthf ljj/0fsf] cfwf/df dfOGo"6 tof/
u/L :jLs[ltsf] nflu v'nf ahf/ sf/f]af/ ;~rfng ;ldlt ;dIf k]z ug'{kg]{5 .
-$_ lgisfzg ldltdf ;f]em} vl/b af]nsaf]naf6 vl/b ul/Psf] pks/0f cg';f/ e'QmfgL
ug'{kg]{ /sd ;kmn af]nstf{sf] a}+sdf /x]sf] vftfdf hDdf ul/lbg' kb{5 . o;/L vl/b
ul/Psf pks/0fx? a}+ssf] :jfldTjdf lnO{ pQm pks/0fx? -g]kfn /fi6« a}+s C0fkq
afx]s_ sf] /sd a}+ssf] nufgL vftfdf vr{ u/L lx;fa ldnfg ug'{kg]{5 . a}+sn] vl/b
u/]sf pQm pks/0fx?sf] e'QmfgL ldltsf lbg ;DalGwt pks/0fx?sf] e'QmfgL eP
kZrft\ tL pks/0fdf a}+ssf] :jfldTj :jtM ;dfKt x'g]5 .
28
-%_ ;f]em} vl/b af]nsaf]n sf/f]af/sf] kl/0ffd a}+ssf] j]a;fO6 tyf Online Bidding
System dfkm{t ;fj{hlgs ug'{kg]{5 .
-ª_ ;f]em} laqmL af]nsaf]n sf/f]af/M -!_ ljQLo k|0ffnLdf ;+/rgfTds k|s[ltsf] clws
t/ntf ePsf] cj:yfdf cfjZostf cg';f/ ;ldltsf] lg0f{o adf]lhd tf]lsPsf C0fkq
;f]em} laqmL af]nsaf]n sf/f]af/ dfk{mt\\ t/ntf k|zf]rg ug{' kg]{5 .
-@_ ;f]em} laqmL af]nsaf]n sf/f]af/ ul/g] /sd, e'QmfgL ldlt, ;'/If0fkq tyf cGo
cfjZos sfuhftsf] ljifodf a}+ssf] j]a;fO6 tyf Online Bidding System dfkm{t
;fj{hlgs hfgsf/L u/fpg' kg]{5 .
-#_ ;f]em} laqmL af]nsaf]n sf/f]af/ af]n d"Nodf af]nsaf]n k|lqmof dfk{mt\\ ug'{ kg]{5 .
af]nsaf]n ldltdf k|fKt af]n cg'udg ug]{ / af]nsaf]nsf] nflu tf]lsPsf] ;do kZrft\
cgnfO{g af]nsaf]n k|0ffnLaf6 k|fKt glthf ljj/0fsf] cfwf/df dfOGo"6 tof/ u/L
:jLs[ltsf] nflu v'nf ahf/ sf/f]af/ ;~rfng ;ldlt ;dIf k]z ug'{kg]{5 .
-$_ ;f]em} laqmL pks/0fsf] lgisfzgdf ;kmn af]nstf{sf] a}+sdf /x]sf] vftfaf6
afF8kmfF6 cg';f/sf] /sd -l8:sfp06 /sd s6fP/ aFfsL /sd_ vr{ u/L lng' kb{5 .
o;/L laqmL ul/Psf pks/0fx?sf]] :jfldTj ;DalGwt af]nstf{sf] gfddf x:tfGt/0f
ug'{kg]{5 .
-%_ ;f]em} laqmL af]nsaf]n sf/f]af/sf] kl/0ffd a}+ssf] j]a;fO6 tyf Online Bidding
System dfkm{t ;fj{hlgs ug'{kg]{5 .
-^_ of] pks/0fsf] e'QmfgL ldltdf lgisfzg ldltsf lbg ;DalGwt af]nstf{sf] a}+s
l:yt vftfaf6 vr{ u/L lnPsf] /sd / ;f] sf] l8:sfp06 /sd Psd'i6 ;f]xL vftfdf
hDdf u/L lbg' kg]{5 . tt\kZrft\ ;kmn af]nstf{sf] :jfldTjdf uPsf pks/0fx?sf]
:jfldTj :jtM ;dfKt x'G5 . ;f]em} laqmL pks/0fdf ul/Psf] nufgLaf6 cflh{t /sddf
cfos/ nfUg] Joj:yf 5 .
-&_ a}+ssf] :jfldTjdf o:tf pks/0fx? g/x]sf] cj:yfdf ;f]em} laqmL af]nsaf]n
sf/f]af/ ug{ gldNg] Joj:yf /x]sf] 5 .
-r_ g]kfn /fi6« a}+s C0fkqM -!_ ljQLo k|0ffnLdf ;+/rgfTds k|s[ltsf] clws t/ntf
/x]sf] cj:yfdf ;ldltsf] l;kmfl/;df ;~rfns ;ldltsf] :jLs[ltdf cfjZostf cg';f/
s'g} klg lbg ^ dlxgf jf ! jif]{ cjlwsf] g]kfn /fi6« a}+s C0fkq lgisfzg u/L t/ntf
k|zf]rg ug{' kg]{5 .
-@_ lgisfzg ul/g] g]kfn /fi6« a}+s C0fkqsf] /sd, cjlw, e'QmfgL ldlt, l;l/h gDa/
tyf cGo cfjZos ljj/0fsf] ljifodf v'nf ahf/ sf/f]af/ ;~rfng ;ldltaf6 :jLs[t
u/fO{ af]nsaf]n ldlt cufj} a}+ssf] j]a;fO6 tyf Online Bidding System dfkm{t
;fj{hlgs hfgsf/L u/fpg' kg]{5 .
-#_ g]kfn /fi6« a}+s C0fkqsf] af]nsaf]n sf/f]af/ Aofhb/df cfwfl/t af]nsaf]n k|lqmof
dfkm{t ug'{kg]{5 . af]nsaf]n ldltdf k|fKt af]n cg'udg ug]{ / af]nsaf]nsf] nflu
tf]lsPsf] ;do kZrft\ cgnfO{g af]nsaf]n k|0ffnLaf6 k|fKt glthf ljj/0fsf] cfwf/df
dfOGo"6 tof/ u/L :jLs[ltsf] nflu v'nf ahf/ sf/f]af/ ;~rfng ;ldlt ;dIf k]z
ug'{kg]{5 .
29
-$_ lgisfzg ldltdf o; C0fkqsf] af]nsaf]ndf ;kmn af]nstf{sf] a}+sdf /x]sf]
vftfaf6 afF8kmfF6 cg';f/sf] /sd vr{ u/L lx;fa ldnfg ug'{kg]{5 / ;f]sf] k|df0fkq
pknAw u/fpg' kg]{5 .
-%_ 5 dlxgf cjlwsf] lgisfzg ePsf] cj:yfdf of] C0fkqsf] ;fFjf tyf Aofh /sd
Psd'i7 e'QmfgL ldltdf / Ps jif]{ cjlwsf] lgisfzg ePsf] cj:yfdf klxnf] 5 dlxgf
;dfKt ePsf] ef]lnkN6 klxnf] ls:tfsf] Aofh /sd dfq / kl5Nnf] 5 dlxgf ;dfKt
ePsf] ef]lnkN6 bf];|f] ls:tfsf] Aofh /sdsf ;fy} ;fFjf /sd ;DalGwt af]nstf{sf] o;
a}+sdf /x]sf] vftfdf hDdf u/L lkmtf{ e'QmfgL ug'{kg]{5 .
-5_ :yfoL t/ntf ;'ljwf (Standing Liquidity Facility-SLF)M -!_ a}+lsª k|0ffnLdf
ckem{6 cfO{kg]{ cNksfnLg t/ntf ;d:of ;dfwfg ug{sf] lgldQ tf]lsPsf ;+:yfx?af6
/Ltk"j{ssf] lgj]bgsf ;fy} ;'/If0f jfkt lwtf] /fVg'kg]{ tf]lsP adf]lhdsf] ;'/If0fkqsf]
;Ssn k|lt k]z x'g cfPsf] cj:yfdf cfjZos k|lqmof k'¥ofO{ ;f]xL lbg ;DalGwt
;+:yfsf] a}+s vftfdf dfu cg';f/sf] /sd hDdf ul/bg' kg]{5 .
-@_ :yfoL t/ntf ;'ljwfsf] clwstd cjlw a}+sn] df}lb|s gLltdf tf]s] adf]lhd x'g]5 .
;fy} o:tf] ;'ljwf dfu ug]{ ;+:yfx?n] k]z u/]sf ;'/If0fkqx?df a}+sn] tf]s]sf] k|ltztn]
vfDg] /sd;Dd dfq ;'ljwf k|bfg ug'{kg]{5 .
-#_ pkTosf aflx/sf ;+:yfx?n] ;'/If0f jfkt lwtf] /fVg'kg]{ ;'/If0fkq glhssf] a}+ssf]
sfof{nodf k]z u/]sf] k|dfl0ft eP kZrft\ dfq :jLs[t /sd hDdf ug'{kg]{5 .
-$_ pkof]u ePsf] :yfoL t/ntf ;'ljwfsf] cjlw k'/f ePkl5 lgvGg] lbgdf ;'ljwf
jfkt k|bfg ul/Psf] ;fFjf /sd / tf]lsP adf]lhdsf] b/n] x'g cfpg] Aofh /sd
;DalGwt ;+:yfsf] a}+svftf vr{ u/L] lkmtf{ lng' kg{]5 . of] ;'ljwf lgvGg] lbg ;fj{hlgs
ljbf k/]df To;kl5sf] sfof{no v'n]sf] lbgdf lgvGg' kg]{5 . o;f] ubf{ lgvGg] lbgeGbf
cl3Nnf] lbg;Ddsf] tf]lsPsf] b/n] x'g cfpg] Aofh /sd ;d]t c;'n ug'{kg]{5 .
-%_ ;'ljwf jfkt lnPsf] C0f /sd lgvGg] lbgdf a}+s vftfdf kof{Kt df}Hbft sfod
geO{ ;'ljwf lgvGg g;lsg] cj:yf cfO{ k/]df cfjZos df}Hbft sfod geP;Ddsf]
cjlwsf nflu tf]lsPsf] b/df xhf{gf yk u/L c;"n ug'{kg]{5 .
-^_ :yfoL t/ntf ;'ljwf ;DaGwL cGo Joj:yf :yfoL t/ntf ;'ljwf ;DaGwL sfo{ljlw,
@)&# adf]lhd x'g]5 .
-h_ cGo sfo{x?M dfly plNnlvt afx]s a}+ssf] j]a;fO6 dfkm{t k|sfzg eO{ cfPsf]
;/sf/L C0fkq tyf df}lb|s sf/f]af/ ;DaGwL tYofª\s tyf hfgsf/LnfO{ lgoldt ?kd
cBfjlws ug'{ kmfF6sf] lhDd]af/L x'g]5 . o;sf cnfjf a}+ssf] df}lb|s gLltsf] sfo{lbzfsf]
;+s]t lbg tyf cNksfnLg Aofhb/nfO{ :yfloTj k|bfg ug{ cfjZostf cg';f/ v'nf
ahf/ sf/f]af/ ;~rfng ;ldltsf] lg0f{o cg';f/ ljleGg pks/0fx? -Aofhb/ sl/8f]/
cGtu{tsf] !$ lbg] l/kf] pks/0f tyf !$ lbg] lgIf]k ;+sng pks/0f nufot tf]lsP
adf]lhdsf cGo pks/0fx?_ sf] af]nsaf]n, lgisfzg, e'QmfgL tyf Joj:yfkg ;DaGwL
;Dk"0f{ sfo{x? a}+ssf] lgod, ljlgod, ;DalGwt sfo{ljlw Pjd\ lgb]{zg cg'?k ;DkGg
ug'{kg]{5 .

30
 kl/R5]b–*
sd{rf/Lsf] sfd tyf st{Jo
!*= k|d'vsf] sfd tyf st{JoM -!_ a}+s tyf /fi6« C0f;Fu ;DalGwt k|rlnt P]g, lgod,
ljlgod, lgb]{lzsf, dfu{bz{g, cfb]z tyf lgb]{zgsf] cwLgdf /xL ljefusf] sfd ;'rf?
?kn] ;+rfng ug]{÷u/fpg] ;Dk"0f{ lhDd]jf/L k|d'vsf] x'g]5 . ljefuLo sfo{ ;Dkfbg ug]{
l;nl;nfdf dftxtsf ;a} sd{rf/LnfO{ l56f], 5l/tf] / :t/Lo ?kdf sfo{ ;Dkfbg
ug{÷u/fpg pko'Qm sfo{ lhDd]jf/L tf]Sg ;Sg]5 . o:tf] k|of]hgsf nflu sd{rf/LnfO{
pTk|]l/t ug]{, sd{rf/L ljlgodfjnL k|lts"n x'g] cfr/0f Pjd\ Jojxf/ u/]sf] kfO{Pdf
cfk"mdf lglxt clwsf/ k|of]u u/L sf/jfxL ug]{ jf ;f] sf] nflu clVtof/ k|fKt clwsf/L
;dIf n]vL k7fpg ;Sg]5 . ljefuLo sfo{ ;Dkfbg ug]{ l;nl;nfdf a}+ssf ljefu,
sfof{no tyf cGt/–kmfF6x?aLr ;dGjo Nofpg'sf cltl/Qm ;a} sd{rf/L pk/ ;dfg
tyf Gofof]lrt Jojxf/ ug'{ kg]{5 .
-@_ ljefuaf6 ;Dkfbg x'g] ;a} sfo{sf] lg/Gt/ cg'udg ug'{ lghsf] st{Jo x'g]5 .
o;sf nflu cfjZostf cg';f/ :t/Lo ?kdf sfo{ ;Dkfbg ug{ sd{rf/Lx?af6 /fo
;Nnfx lng] / lghx?nfO{ dfu{bz{g Pjd\ lgb]{zg lbg] sfo{ ug'{kg]{5 .
-#_ cfjZostf cg';f/ ljefudf kmFf6 yk÷36 ug]{, kl/jt{g ug]{ / sfo{ljlwdf ;'wf/
ug'{ kg]{ eP ;f] u/L÷u/fO{ ;/n Pj+ r':t agfpg' kg]{5 .
-$_ lgisfzg ul/Psf ljleGg k|sf/sf C0fkq tyf df}lb|s Joj:yfkgsf pks/0fx?n]
d'b|f tyf k"FhL ahf/sf ;fy} ;du| cy{tGqdf kf/]sf] / kfg{ ;Sg] k|efj cWoog u/L d'b|f
k|bfo, d"No, Aofhb/, pTkfbg, art tyf nufgL If]qnfO{ ;d]l6g] u/L th'{df ul/Psf
ljQLo gLlt Pjd\ ;/sf/L ah]6sf nIo tyf sfo{qmd, a}+s tyf ljQLo ;+:yfsf] ;fv
;[hgf Ifdtf cflb If]qdf kfg{ ;Sg] c;/sf] af/]df uxg cWoog Pjd\ ljZn]if0f u/L
lgisfzg ul/g] C0fkqsf] lsl;d, lgisfzg ;do, laqmL ug]{ If]q, Aofhb/ / e'QmfgL
cjlw ;DaGwdf g]kfn ;/sf/ tyf a}+sn] ckgfpg' kg]{ pko'Qm gLltsf af/]df ;ldlt /
;DalGwt lgsfodf /fo, ;Nnfx Pjd\ l;kmfl/z ug'{kg]{5 .
-%_ ahf/ lgdf{tf tyf laqmL Ph]06n] u/]sf] C0fkqsf] sf/f]af/sf] lg/LIf0f u/L÷u/fO{
k]z ePsf] k|ltj]bg cWoog u/L ;'wf/ ug'{kg]{ ePdf sfof{Gjogsf nflu dftxtsf
sd{rf/LnfO{ lgb]{zg lbg' kg]{5 .
!(= lgb]{zssf] sfd tyf st{JoM -!_ ljefusf] b}lgs sfo{ ;'rf? ?kn] ;+rfng ug{ ;du| sfd
sf/jfxLdf a}+s k|lt pQ/bfoL /xg' kg]{5 . dftxtsf sd{rf/Lsf] /fo ;Nnfx Pjd\
;xof]u lnO{ jflif{s sfo{ of]hgf tof/ u/L 5nkmn Pjd\ lg0f{osf] nflu k|d'v ;dIf k]z
ug'{kg]{5 . :jLs[t jflif{s sfo{of]hgf cg'?k tf]lsPsf] ;dodf ;Dkfbg ug'{kg]{ sfo{sf]
lg/Gt/ cg'udg ug'{÷ u/fpg' kg]{5 .
-@_ dftxtsf ;a} sd{rf/Lx? aLr cg'zf;g tyf ;xof]usf] efjgf sfod /fVgsf
nflu cfjZos jftfj/0f agfO{ sd{rf/LnfO{ pTk|]l/t u/L dgf]an a9fpg cfjZos kg]{
;a} k|zf;sLo Joj:yf ldnfpg k|d'vnfO{ ;xof]u ug'{kg]{5 .
-#_ g]kfn ;/sf/ tyf a}+sn] cjnDag u/]sf jf k|:tfljt ljQLo, df}lb|s tyf cGo
gLlt, v'nf ahf/ sf/f]af/df NofOg] goFf pks/0f / ahf/df /x]sf pks/0fx?df ePsf]
31
 kl/jt{g Pjd\ /fi6« C0f tyf t/ntf Joj:yfkg;Fu ;DalGwt cGo of]hgf, kl/of]hgf tyf
sfo{qmdsf ;DaGwdf k|d'v nufot dftxtsf sd{rf/L;Fu 5nkmn u/L o; ;DaGwdf
ljefunfO{ k[i7kf]]if0f ug'{kg]{5 .
-$_ ljefuLo sfdsf] l;nl;nfdf dftxtsf sd{rf/LnfO{ ;'lDkPsf] sfd, st{Jo tyf
clwsf/ / sfof{Gjog :t/df cfjZos kg]{ hgzlQm tyf ef}lts ;'ljwf osLg u/L yk36
jf kl/jt{g ug'{kg]{ ePdf k|d'v;Fu 5nkmn u/L lghsf] ;xdltdf cfjZos Joj:yf
ldnfpg' kg]{5 .
-%_ ljefuaf6 tf]lsPsf zt{ Pjd\ lgb]{zg ahf/ lgdf{tf Pjd\ laqmL Ph]06n] kfngf
gu/]sf] kfO{Pdf cfjZos sf/jfxL ug{ /fo ;lxt k|d'v ;dIf k]z ug'{kg]{5 .
-^_ ljefuLo lg0f{o Pjd\ :jLs[ltsf nflu k]z x'g cfPsf k|:tfj, lr¶Lkq, ef}r/ Pj+
cGo lgj]bg tyf u'gf;fsf ;DaGwdf cWoog u/L cfk\mgf] clVtof/L leqsf] ljifo ePdf
lg0f{o lbg] / clVtof/L leq gkg]{ ePdf /fo ;lxt k|d'v ;dIf k]z ug'{kg]{5 . o;/L
k|d'v ;dIf k]z ePsf sfuhftx? sfof{y{ k|fKt ePdf cfjZostf cg';f/ ;Dkfbg
ug'{÷u/fpg' kg]{5 .
-&_ a'Fbf g+= @$ df Joj:yf ul/P adf]lhdsf] k'l:tsf, a|f];/ tyf cGo r]tgfd"ns >Jo
b[Zo ;fdfu|L k|sfzg ubf{ ;DkfbsLo tyf cGo sfo{ ;Dkfbg ug]{ ;DaGwdf cfjZos
;Nnfx k|bfg ug'{kg]{5 .
-*_ cfk"mnfO{ tf]lsPsf / k/Lcfpg] cGo ;a} ljefuLo sfo{ ;Dkfbg ug'{÷u/fpg' kg]{5 .
@)= pk lgb]{zssf] sfd tyf st{JoM -!_ dftxtsf kmFf6af6 k]z ePsf k|:tfj, lr¶Lkq,
P8\efO{; / ef}r/x? clVtof/L leq kg]{ eP lg0f{o lbg] / gkg]{ ePdf /fo ;lxt dflyNnf]
clwsf/L ;dIf k]z ug'{kg]{5 . dflyNnf] clwsf/Laf6 k|fKt lgb]{zgnfO{ cfkm" jf dftxtsf
kmFf6af6 sfo{Gjog u/fpg' kg]{5 .
-@_ dftxtsf kmFf6n] ug'{kg]{ sfo{ :t/Lo ?kdf ;DkGg eP÷gePsf] ;DaGwdf lgoldt
cg'udg ug'{kg]{5 . o;sf ;fy;fy} kmFf6ut ?kdf ;Dkfbg u/fpg cfjZos hgzlQm
tyf ef}lts k"jf{wf/sf ;DaGwdf dflyNnf] clwsf/LnfO{ hfgsf/L lbg' kg]{5 .
-#_ d'b|f Pjd\ kF"hL ahf/sf] ;DaGwdf cWoog u/L ahf/ lgdf{tf tyf laqmL Ph]06nfO{
Ohfht kq lbg], gjLs/0f ug]{, sf/f]af/ ;Ldf x]/k]m/ ug]{, tf]lsg] zt{ / lbOg] lgb]{zg
;DaGwdf dflyNnf] clwsf/L ;dIf /fo ;'emfj k]z ug'{kg]{5 .
-$_ ljefuaf6 ;+rfng ul/g] tfnLd, uf]i7L, cGt/lqmof, cg'lzIf0f cflbsf] k|efjsf/L
?kdf ;+rfng ug{sf nflu cfjZos Joj:yf ldnfpg' kg]{5 .
@!= ;xfos lgb]{zssf] sfd tyf st{JoM -!_ tf]lsPsf] b}lgs sfo{ ;'rf? ?kn] ;+rfng
ug'{kg]{5 . o;sf nflu cfjZostf cg';f/ dflyNnf] clwsf/Lsf] lgb]{zg lnO{ lhDd]jf/L
cg';f/sf] sfd ;DkGg ug'{kg]{5 . kmFf6sf] lhDd]jf/LnfO{ ;Ifd Pjd\ k|efjsf/L ?kdf
;Dkfbg ug{ / pko'Qm sfo{ jftfj/0f ;[hgf ug{ ;a} ;xfos lgb]{zs sd{rf/Lx?
lhDd]jf/ x'g' kg]{5 .
-@_ ljefun] ;do ;dodf cfof]hgf ug]{ tflnd, uf]]i7L, cGt/lqmof, cg'lzIf0f cflbsf]
nflu cfjZos Joj:yf ug{ dflyNnf] clwsf/LnfO{ ;xof]u Pjd\ ;Nnfx k|bfg ug'{kg]{5 .

32
@@= ;xfos :t/sf sd{rf/Lsf] sfd tyf st{JoM dflyNnf] clwsf/Laf6 ;do ;dodf
;'lDkPsf] lhDd]jf/L / nfP cx|fPsf] sfo{ tbf?stfsf ;fy ;DkGg ug'{kg]{5 .

kl/R5]b–(
ljljw
@#= clVtof/L ;DaGwL Joj:yfM o; dfu{bz{g adf]lhd k|d'v, lgb]{zs, pk–lgb]{zs, ;xfos
lgb]{zs tyf cGo sd{rf/Ln] kbLo x}l;otn] ;Dkfbg ug]{ sfo{sf] clVtof/L
ueg{/af6 :jLs[t Joj:yf adf]lhd x'g]5 .
@$= k'l:tsf tyf k|rf/fTds ;fdfu|L k|sfzgM ;do ;dodf lgisfzg ul/Psf jf ul/g]
C0fkq tyf t/ntf Joj:yfkgsf pks/0f ;DaGwdf ;j{;fwf/0fnfO{ hfgsf/L lbg]
k|of]hgsf nflu ljefun] k'l:tsf, a|f];/ tyf cGo r]tgfd"ns >Jo b[Zo ;fdu|L ;d]t
k|sfzg ug{ ;Sg]5 .
@%= cg';"rLdf x]/k]m/M o; dfu{bz{g / cg';"rLx?df ueg{/n] cfjZostf adf]lhd x]/k]m/
ug{ ;Sg]5 .
@^= vf/]hL tyf arfpM g]kfn /fi6« a}+s /fi6« C0f dfu{bz{g, @)^) vf/]h ul/Psf] 5 . ;f]
dfu{bz{g adf]lhd tyf of] dfu{bz{g nfu" x'g' cl3 ljefuaf6 eP u/]sf ;Dk"0f{ sfd
sf/jfxLx? o;} dfu{bz{g adf]lhd eP u/]sf] dflgg]5 .

33
 cg";"rL –!
g]kfn /fi6« a}+s
/fi6« C0f Joj:yfkg ljefu
;+u7g tflnsf
sfo{sf/L lgb]{zs

lgb]{zs

6]«h/L, gLlt of]hgf tyf lgisfzg tyf n]vf tyf zf]wegf{ Dff}lb|s
cfGtl/s k|zf;g kmFf6 Joj:yfkg kmFf6 kmFf6 Joj:yfkg kmFf6

pk–lgb]{zs pk–lgb]{zs pk–lgb]{zs pk–lgb]{zs

;xfos lgb]{zs ;xfos lgb]{zs ;xfos lgb]{zs ;xfos lgb]{zs
;xfos lgb]{zs ;xfos lgb]z{ s ;xfos lgb]z{ s ;xfos lgb]z{ s
;xfos lgb]{zs -s=_ ;xfos lgb]z { s ;xfos lgb]z { s
;xfos
sfof{no ;xof]uL
sfof{no ;xof]uL
sfof{no ;xof]uL

34
 cg";"rL – @

g]kfn /fi6« a}+s

/fi6« C0f Joj:yfkg ljefu

ahf/ lgdf{tf Ohfhtkq

Ohfhtkq g+= ========= Ohfht k|bfg ePsf] ldlt ====================

g]kfn ;/sf/sf] tk{maf6 g]kfn /fi6« a}+såf/f lgisfl;t /fli6«o artkq /

gful/s artkqsf] k|fylds tyf bf];|f] ahf/ sf/f]af/ / j}b]lzs /f]huf/
artkqsf] bf];|f] ahf/ sf/f]af/ -ahf/ lgdf{tf ;DaGwL sfo{ljlw, @)&)
klxnf] ;+zf]wg @)&# adf]lhd_ ug]{ ============================================== nfO{
===========================;Ddsf nflu ;f]xL sfo{ljlwn] lbPsf] clwsf/ k|of]u u/L
of] Ohfhtkq k|bfg ul/Psf] 5 .

===================== ===========================
lgb]{zs sfo{sf/L lgb]{zs

35
 cg";"rL – #

g]kfn /fi6« a}+s

/fi6« C0f Joj:yfkg ljefu

laqmL Ph]06 Ohfhtkq

Ohfhtkq g+= ========= Ohfht k|bfg ePsf] ldlt ====================

g]kfn ;/sf/sf] tk{maf6 g]kfn /fi6« a}+såf/f lgisfzg x'g] j}b]lzs /f]huf/
artkqsf] k|fylds sf/f]af/ -j}b]lzs /f]huf/ artkq ;DaGwL sfo{ljlw,
@)^( adf]lhd_ ug]{ u/L ========================================================= nfO{
========================== ;Ddsf nflu ;f]xL sfo{ljlwn] lbPsf] clwsf/ k|of]u u/L
of] Ohfhtkq k|bfg ul/Psf] 5 .

===================== ===========================
lgb]{zs sfo{sf/L lgb]{zs

36
 cg";"rL – $
Aofh zf]wegf{ dfu ubf{ k|of]u ug'{kg]{ ef}r/sf] gd"gf Aofh zf]wegf{ dfu ubf{ k|of]u ug'{kg]{ ef}r/sf] gd"gf

-e'QmfgL lbg] a}=kmf=^$ -e'QmfgL lbg] a}=kmf=^$

vr{ gub÷hg/n vr{ gub÷hg/n
sfof{nosf] 5fk_ sfof{nosf] 5fk_

e'QmfgL lbg] sfof{nosf] gfd =========================== ldlt @)=== ÷===÷=== e'QmfgL lbg] sfof{nosf] gfd =========================== ldlt @)====÷===÷===
g]kfn /fi6« a}+s, /fi6« C0f Joj:yfkg ljefu /sd ?= g]kfn /fi6« a}+s, /fi6« C0f Joj:yfkg ljefu /sd ?=
k|df0fkqdf plNnlvt artkq wgLsf] gfd ============================== k|df0fkqdf plNnlvt artkq wgLsf] gfd ==============================
kf]6{kmf]lnof] g+=÷gf=k|=g+=÷lhNnf ============================================== kf]6{kmf]lnof] g+=÷gf=k|=g+=÷lhNnf ==============================================
e'QmfgL kfpg]sf] gfd =========================================================== e'QmfgL kfpg]sf] gfd ===========================================================
/f=a=k=÷gf=a=k=÷lj=C=k=÷a}=/f]=a=k= ================= Aofhb/ ======== /f=a=k=÷gf=a=k=÷lj=C=k=÷a}=/f]=a=k= ================= Aofhb/ ========
k|df0fkqsf] lsl;dM - :6s k|ldz/L gf]6_ ls:tf g+= ======= k|df0fkqsf] lsl;dM - :6s k|ldz/L gf]6_ ls:tf g+= =======
;fFjf b/ qmd;+Vof yfg Aofhb/ ls:tf ;fFjf b/ qmd;+Vof yfg Aofhb/ ls:tf
?= b]lv ;Dd ?= ;+Vof ?= b]lv ;Dd ?= ;+Vof

==== Ü n] s/ s§L ==== Ü n] s/ s§L

-cIf/]lk ?= ==================================================== dfq_ hDdf ?= -cIf/]lk ?= ================================================ dfq_ hDdf ?=

kf; ug]{ clws[t clws[t sfof{no k|d'v kf; ug]{ clws[t clws[t sfof{no k|d'v

Aofh e'QmfgL a'lemlng]sf] kmf]g gDa/M b:tvt Aofh e'QmfgL a'lemlng]sf] kmf]g gDa/M b:tvt

kl/ro ePsf] AolQm -k'/f gfd / 7]ufgf_ b:tvt kl/ro ePsf] AolQm -k'/f gfd / 7]ufgf_ b:tvt
37