lwtf]k qsf] s]G b|L o lgIf]k ;]j f lgodfjnL, @)^&

s]Gb|Lo lgIf]k ;DaGwL] ljifox? lgodg ug]{ p2]Zon] lwtf]kq;DaGwL P]g, @)^# sf] bkmf !!^ n] lbPsf]
clwsf/ k|of]u u/L g]kfn ;/sf/sf] :jLs[lt lnO{ g]kfn lwtf]kq af]8{n] b]xfosf lgodx¿ agfPsf] 5 .

kl/R5]b — !
k|f /lDes

!= ;+l IfKt gfd / k|f /DeM -!_ oL lgodx¿sf] gfd ælwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL,
@)^&Æ /x]sf] 5 .
-@_ of] lgodfjnL af]8{n] tf]s]sf] ldltb]lv k|f/De x'g]5 .

@= kl/efiffM ljifo jf k|;+Ën] csf]{ cy{ gnfu]df o; lgodfjnLdf,–

-s_ æP]gÆ eGgfn] lwtf]kq;DaGwL P]g, @)^# ;Demg'k5{ .
-v_ ælxtu|fxLÆ eGgfn] lgIf]k ;b:o dfkm{t s]Gb|Lo lgIf]k sDkgLdf lwtf]kq jf pks/0f
lgIf]k ug{ lxtu|fxL vftf vf]n]sf tyf ljB'tLo dfWoddf lgIf]k ug{ ldNg] lwtf]kq jf
pks/0f u|x0f u/]sf JolQm ;Demg'k5{ .
-u_ ælxtu|fxL vftfÆ eGgfn] lxtu|fxLn] lwtf]kq lgIf]k ug{ lgIf]k ;b:odfk{mt s]Gb|Lo lgIf]k
sDkgL;+u a]Un} vftf gDj/af6 vf]n]sf] ljB'tLo vftf -l8Dof6 PsfpG6_ ;Demg'k5{ .
-3_ æaf]8{Æ eGgfn] P]gsf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{ ;Demg'k5{ .
-ª_ æs]Gb|Lo lgIf]k ;]jfÆ eGgfn] lwtf]kq ahf/df ;"lrs[t ePsf tyf ljB'tLo dfWoddf
lgIf]k ug{ ldNg], ljt/0f jf afF8kmfF8 ePsf, lwtf]kq jf pks/0fx¿ ;DalGwt
lwtf]kqwgLaf6 cfˆgf] lhDdfdf lnO{ lwtf]kqwgLx¿sf] lwtf]kq;DaGwL lxtu|fxL vftf
/fVg] tyf lwtf]kq jf pks/0fx¿sf] gfd;f/L jf vftfdf clen]v ug]{ sfo{ ;Demg'k5{.
-r_ æs]Gb|Lo lgIf]k sDkgLÆ eGgfn] s]Gb|Lo lgIf]k ;]jf ;~rfng ug{ lgod & adf]lhd
af]8{af6 cg'dltkq k|fKt lwtf]kq Joj;foL ;Demg'k5{ .
-5_ æ;+rfnsÆ eGgfn] s]Gb|Lo lgIf]k sDkgLsf]] ;+rfns ;ldltsf] ;b:o ;Demg'k5{ / ;f]
zAbn] ;+rfns ;ldltsf] cWoIf;d]tnfO{ hgfpg]5 .
-h_ æx:tfGt/0fÆ eGgfn] lwtf]kq jf pks/0fsf] :jfldTj x:tfGt/0f;DaGwL sfo{ ;Demg'k5{
/ ;f] zAbn] lwtf]kqwgLsf] d[To'kZrft\ xsbf/sf] gfddf gfd;f/L jf 3/fo;L gfd;f/L
u/L Ps lwtf]kqwgLsf] :jfldTjaf6 xsbf/ JolQmdf lwtf]kqsf] :jfldTj x:tfGt/0f ug]{
sfo{;d]tnfO{ hgfpg]5 .
-em_ ælgIf]k ;b:oÆ eGgfn] s]Gb|Lo lgIf]k sDkgL;+u ;b:otf lnPsf lwtf]kq Joj;foL jf
;+ul7t ;+:yf ;Demg'k5{ .
-`_ ælgisfzgstf{Æ eGgfn] lwtf]kq÷pks/0f lgisfzg ug]{ ;+ul7t ;+:yf ;Demg'k5{ .
-6_ æ/lhi6«f/ tyf x:tfGt/0f k|ltlglwÆ eGgfn] s'g} klg ;+ul7t ;+:yfsf] tkm{af6 ;f]
;+:yfn] lgisfzg u/]sf lwtf]kq tyf lwtf]kqwgLx¿sf] clen]v /fvL lwtf]kq
x:tfGt/0f tyf lkmtf{ e'StfgL nufotsf sfo{ ug]{ JolQm jf ;+ul7t ;+:yf ;Demg'k5{ .
-7_ æbtf{wgLÆ eGgfn] lgisfzgstf{sf] btf{ lstfadf pNn]v ePsf] s]Gb|Lo lgIf]k sDkgL
;Demg'k5{ .
-8_ æpks/0fÆ eGgfn] ljB'tLo dfWodaf6 /fVg ;lsg] uf]bfd /l;b, hLjg aLdf n]vf
nufotsf pks/0f jf sfuhft;d]tnfO{ hgfpg]5 .

1
 kl/R5]b @
s]G b|L o lgIf]k ;]j f cg'd lt;DaGwL Joj:yf

#= cg'dltkqsf] nflu lgj]b g lbg'k g]{M -!_ s]Gb|Lo lgIf]k ;]jf ;~rfng ug{ rfxg] sDtLdf aL;
s/f]8 a/fa/ v'b ;DklQ -g]6jy{_ /x]sf] ;+ul7t ;+:yfn] cg'dltkq k|fKt ug{sf nflu cg';'rL-!
adf]lhdsf] 9fFrfdf cg';"rL-@ adf]lhdsf] lgj]bg b:t'/ ;+nUg u/L af]8{;dIf lgj]bg lbg' kg]{5 .
-@_ pklgod -!_ adf]lhd lbg] lgj]bg ;fy lgj]bs ;+:yfsf] ;DaGwdf b]xfosf] ljj/0f
tyf sfuhft ;+nUg ePsf] x'gk' g]{5 M–
-s_ ;+rfns / sfo{sf/L k|d'vsf] ;DaGwdf cg';"rL-# adf]lhdsf] ljj/0f,
-v_ cg';"rL-$ adf]lhdsf] ljj/0f tyf sfuhft,
-u_ s]Gb|Lo lgIf]k sDkgLsf] ;+:yfks ;DaGwdf cg';"rL-% adf]lhdsf] ljj/0f
tyf sfuhft,
-3_ s]Gb|Lo lgIf]k Joj;fo :yfkgf tyf ;~rfngsf] ;DefJotf cWoog
k|ltj]bg,
-ª_ cg';"rL–^ adf]lhd s]Gb|Lo lgIf]k sDkgLsf] ljlgodfjnLsf] d:of}bf .

$= lgj]b gpk/ hfFr a'e m ug]{M -!_ af]8{n] lgod # adf]lhd k|fKt lgj]bg tyf ljj/0f ;lxtsf
sfuhft hfFra'´ ug]{5 .
-@_ pklgod -!_ adf]lhd hfFra'em ubf{ cfjZos b]lvPsf cGo ljj/0f tyf sfuhft
af]8{n] dfu ug{ ;Sg]5 .
-#_ o; lgodadf]lhd lgj]bgpk/ hfFra'em ubf{ lgj]bsnfO{ cg'dltkq k|bfg ug{ ldNg]
b]lvPdf s]Gb|Lo lgIf]k ;]jf ;~rfngsf nflu cfjZos k"jf{wf/ tof/ ug{ af]8{n] lgj]bsnfO{
;"lrt ug]{5 .

%= k"j f{wf/ tof/ ug'{kg]{M -!_ lgod $ sf] pklgod -#_ adf]lhd af]8{n] ;"lrt u/]sf] !@ dlxgfleq
s]Gb|Lo lgIf]k Joj;fo ;+rfngsf nflu cfjZos ljB'tLo lgIf]k k|0ffnL tof/ u/L ;f]sf]
hfgsf/L af]8{ ;dIf lbg'kg]{5 .
-@_ pklgod -!_ adf]lhd tf]lsPsf] ;doleq k"jf{wf/ tof/ ug{ g;sL yk ;do dfu
u/]df cf}lrTotfsf] cfwf/df af]8{n] yk ;do k|bfg ug{ ;Sg]5 .
-#_ pklgod -!_ adf]lhd Joj:yf ul/Psf] lgIf]k k|0ffnL ;~rfng tyf dd{t ;Def/
ug]{ ;DaGwdf s]Gb|Lo lgIf]k sDkgLsf] hgzlQmeGbf aflx/sf JolQm jf ;+:yfnfO{ lhDd]jf/L lbg]
ePdf To:tf] lhDd]jf/L lbg nfu]sf] ;Demf}tf;DaGwL ljj/0f af]8{nfO{ hfgsf/L u/fP/dfq
;Demf}tf ug'{kg]{5 .
-$_ pklgod -!_ / -#_ adf]lhd tof/ ul/Psf] k"jf{wf/ tyf lgIf]k k|0ffnLsf] ;DaGwdf
af]8{n] ;do ;dodf ;+k/LIf0f -l;:6d cl86_ ug{÷u/fpg ;Sg]5 . To:tf] ;+k/LIf0f ug{
cfjZos kx'Fr, ;'ljwf, tYofÍ cflb pknAw u/fpg] st{Jo s]Gb|Lo lgIf]k sDkgLsf] x'g]5 .

^= k"j f{w f/sf] lg/LIf0f ug]{M -!_ lgod % adf]lhd tof/ u/]sf] k"jf{wf/sf ;DaGwdf lgj]bsn]
af]8{nfO{ hfgsf/L u/fpg'kg]{5 .
-@_ pklgod -!_ adf]lhd k"jf{wf/ tof/ u/]sf] hfgsf/L k|fKt ePsf] tL; lbgleq
af]8{n] :ynut lg/LIf0f tyf hfFra'´ ug'{kg]5
{ .

2
 -#_ pklgod -@_ adf]lhd lg/LIf0f tyf hfFra'em ubf{ k"jf{wf/sf ;DaGwdf ePsf]
Joj:yf ckof{Kt b]lvPdf af]8{n] lglZrt ;dofjlw tf]sL lgj]bsnfO{ yk Joj:yf ug{ nufpg
;Sg]5 .
-$_ pklgod -#_ adf]lhd tf]lsPsf] ;dfofjlwleq cfjZos k"jf{wf/sf] Joj:yf u/L
af]8{ ;dIf hfgsf/L lbg'kg]{5 .

&= cg'dltkq k|b fg ug]{M -!_ lgod ^ adf]lhd tof/ u/]sf] k"jf{wf/ plrt b]lvPdf s]Gb|Lo lgIf]k
Joj;fo ;+rfng ug{ cg';"rL–@ adf]lhdsf] cg'dltkq b:t'/ a'emfpg ;"lrt ug'{kg]{5 .
-@_ pklgod -!_ adf]lhdsf] b:t'/ k|fKt ePkl5 af]8{n] cg';"rL–& adf]lhdsf] 9fFrfdf
cg'dltkq k|bfgug]{]5 .

*= cg'd ltkq gjLs/0fM s]Gb|Lo lgIf]k sDkgLn] k|To]s cfly{s jif{sf] nflu cg'dltkqsf]
;dofjlw ;dfKt ePsf] tLg dlxgfleq cg';'rL-@ adf]lhdsf] aflif{s z'Ns;lxt cg';"rL-*
adf]lhdsf] 9fFrfdf af]8;
{ dIf lgj]bg lbO{ cg'dltkq gjLs/0f u/fpg' kg]{5 .

(= cg'dltkq lgnDag jf vf/]h M s]Gb|Lo lgIf]k sDkgLsf] cg'dltkq lgnDag, vf/]h jf cGo
sf/jfxL ;DaGwL Joj:yf g]kfn lwtf]kq af]8{ ;DaGwL lgodfjnL cg';f/ x'g]5 .

kl/R5]b #
s]G b|L o lgIf]k sDkgL tyf lgIf]k ;b:osf] sfd, st{J o tyf clwsf/

!)= s]G b|L o lgIf]k sDkgLsf] sfd, st{J o tyf clwsf/M s]Gb|Lo lgIf]k sDkgLsf] sfd, st{Jo tyf
clwsf/ b]xfo adf]lhd x'g]5M–
-s_ lwtf]kq lgIf]k ;]jfsf] :yfkgf, ;+rfng tyf Joj:yfkg ug]{,
-v_ s]Gb|Lo lgIf]k sDkgLn] :jLs[t u/]sf lgsfox¿sf ;fy} lgIf]k ;b:ox¿,
lgisfzgstf{x¿, /lhi6«f/ tyf x:tfGt/0f k|ltlglwx¿ tyf :6s PS;r]Gh /
To;sf /fkm;fkm zfvf jf /fkm;fkm lgsfosf ;fy} cGo o:t} lgsfox¿;Fu
ljB'tLo ;~rf/ ;Ghfn :yfkgf ug]{,
-u_ s]Gb|Lo lgIf]k sDkgL tyf lgIf]k ;b:o÷lgisfzgstf{÷/lhi6«f/ tyf x:tfGt/0f
k|ltlglwnfO{ kl/rfng ug{ ljlgod jf sfo{ ;+rfng lgb]{lzsf tof/ ug]{,
-3_ kl/kq÷cflwsfl/s ;"rgfsf] dfWodaf6 lgIf]k ;b:o÷lgisfzgstf{÷ /lhi6«f/
tyf x:tfGt/0f k|ltlglwnfO{ lghx¿sf] Joj;fo kl/rfng ug]{ ;DaGwdf
lgb{]zg÷lgb]{lzsf hf/L ug]{,
-ª_ lgIf]k ;b:o jf lgisfzgstf{sf] lwtf]kq :jLsf/ u/L lng'cl3 lgIf]k
;b:o÷:6s PS;r]Gh jf /fkm;fkm lgsfo÷lgisfzgstf{÷/lhi6«f/ tyf
x:tfGt/0f k|ltlglw;Fu ;Demf}tf ug]{,
-r_ af]8{df btf{ ePsf lgIf]k ;b:ox¿sf] ;+hfndfkm{t sfo{ ;+rfng ug]{,
-5_ lxtu|fxLn] lgIf]k ;b:odfkm{t NofPsf] lwtf]kqnfO{ ljB'tLo ¿kdf kl/jt{g u/L
lgIf]k /fVg] tyf nufgLstf{sf] dfucg';f/ ef}lts ¿kdf kl/0ft ug]{,
-h_ lgIf]k ;b:ox¿, lgisfzgstf{ / /lhi6«f/ tyf x:tfGt/0f k|ltlglwx¿n]
a'emfpg'kg]{ w/f}6L, z'Ns tyf b:t'/ tf]Sg],

3
 -em_ lgisfzgstf{ sDkgLn] s'n lgisflzt lwtf]kqsf] lx;fa /fVg ;xof]u
k'¥ofpgsf] nflu lxtu|fxLsf] btf{ lstfadf clen]v /fvL ;do ;dodf jf
af]8{n] tf]s]sf] ;dodf lgisfzgstf{ sDkgLnfO{ pknAw u/fpg],
-`_ lgIf]k ;b:o, /lhi6«f/ tyf x:tfGt/0f k|ltlglw tyf lgisfzgstf{nfO{
k|efjsf/L ljB'tLo lgIf]k ;]jf pknAw u/fpg],
-6_ lgIf]k ;]jfdf btf{ ePsf lwtf]kqnfO{ lwtf]aGwsdf jf /f]Ssfdf /flvPsf]
clen]v ug]{ ;'ljwf pknJw u/fpg],
-7_ lwtf]kq;Fu ;DalGwt cGo ;+3 ;+:yfnfO{ cfjZos ;xof]u pknAw u/fpg]
-8_ lgIf]k ;b:ox¿sf] k|j]z btf{ ug]{, lg/LIf0f ug]{, cg'udg ug]{, lgnDag ug]{
tyf ;b:otf vf/]h;DaGwL sfo{ ug]{,
-9_ s]Gb|Lo lgIf]k sDkgLsf] lhDdfdf /x]sf ;a} lwtf]kqx¿sf] tYofÍ÷;"rgf
;'/lIft ¿kdf /fVg] k|aGw ldnfpg],
-0f_ lgIf]k ;b:osf] dfWodaf6 nufgLstf{sf] ljB'tLo vftf vf]nL lbg] / ;DalGwt
kIfn] dfu]sf] a]nfdf pQm vftf;DaGwL ljj/0f pknAw u/fpg],
-t_ s]Gb|Lo lgIf]k ;]jfdf /x]sf lwtf]kqsf] x:tfGt/0f ug]{ ;DalGwt k4lt agfO{
sfof{Gjog ug]{,
-y_ lgIf]k ;b:on] nufgLstf{af6 lng kfpg] z'Ns÷b:t'/sf] pkNnf] ;Ldf lgwf{/0f
ug],{
-b_ clwsf/ k|fKt clwsf/Ln] s]Gb|Lo lgIf]k sDkgLsf] ljlgod÷sfo{ ;+rfng
lgb]{lzsfcg'?k /x]sf] lxtu|fxLsf] vftfsf] ljj/0f pknJw u/fO{ lbPsf]
cfb]z÷lgb]{zg adf]lhd lxtu|fxLsf] lwtf]kq jf vftf /f]Ssf /fVg],
-w_ s]Gb|Lo lgIf]k sDkgLsf] k|aGwkqdf pNn]lvt cGo ;]jf pknAw u/fpg],
-g_ s]Gb|Lo lgIf]k sDkgLsf] sfo{ ;+rfng ug]{ qmddf lxtu|fxLnfO{ kg{ ;Sg] hf]lvd
sd u/L lxt/Iff ug{ aLdfnufotsf cGo kof{Kt ;ts{tf ckgfpg],
-k_ s]Gb|Lo lgIf]k sDkgL tyf lgIf]k ;b:osf] nfk/afxLsf] sf/0faf6 nufgLstf{n]
xfgL gf]S;fgL Joxf]g{' k/]df lghnfO{ ;f] afkt Ifltk"lt{{ lbnfpg] / olb pQm
Iflt lgIf]k ;b:oaf6 ePsf] eP lghaf6 pQm /sd c;'n ug]{,
-km_ s]Gb|Lo lgIf]k sDkgLn] lgoGq0f k4lt, sfo{ljlw tyf ;'/Iff ca:yfaf/] afli{fs
¿kdf lg/LIf0f u/L ;f]sf] Psk|lt k|lta]bg af]8;
{ dIf k]z ug]{,
-a_ s]Gb|Lo lgIf]k sDkgLn] lgIf]kdf lnPsf ;Dk"0f{ lwtf]kqx¿ ljB'tLo dfWoddf
tyf kl/jt{gLo (fungible) :j¿kdf /fVg] .

!!= s]G b|L o lgIf]k sDkgLn] ug{ gx'g ] sfo{M s]Gb|Lo lgIf]k sDkgLn] b]xfo adf]lhdsf sfo{x¿ ug{
u/fpg x'+b}g M–
-s_ cfkm\gf] lgIf]k ;]]jf;DaGwL clwsf/ af]8n { fO{ k"j{;"rgf gu/L s;}nfO{ klg k|bfg
ug{ jf k|Tofof]hg ug{,
-v_ sfg'gn] lgwf{/0f u/]sf] cj:yfdf afx]s lxtu|fxL vftf;DaGwL ljj/0fsf uf]Kotf
e+u x'g] sfo{ ug{,
-u_ cfkm\gf u|fxsnfO{ s'g} lwtf]kqsf ;DaGwdf nufgL;DaGwL k/fdz{ lbg .

!@= lgIf]k ;b:osf] sfd, st{J o tyf clwsf/M lgIf]k ;b:osf] sfd, st{Jo tyf clwsf/ b]xfo
adf]lhd x'g]5 M–
-s_ lxtu|fxL;Fu ;Demf}tf u/]kl5 dfq lwtf]kq vftf vf]Ng],

4
 -v_ lxtu|fxL vftf vf]Ng'eGbf cufl8 af]8÷ { s]Gb|Lo lgIf]k sDkgLn] lgwf{/0f
u/]adf]lhdsf] nufgLstf{ klxrfg k|so[ f k"/f ug]{,
-u_ k|To]s lxtu|fxLsf] gfddf cnu cnu vftf ;+rfng ug{] / Ps lxtu|fxLsf]
lwtf]kq csf]{ lxtu|fxLsf] lwtf]kq;Fu gld;fO{ cnUu} /fVg],
-3_ lxtu|fxLn] k]z u/]sf lwtf]kqx¿ ljB'tLo ¿kdf kl/at{g ug]{ / lxtu|fxLn]
cg'/f]w u/]sf] ;ft lbgleq lgisfzgstf{÷/lhi6«f/ tyf x:tfGt/0f k|ltlglwsxf+
k7fO{ ljB'tLo lgIf]k clen]vnfO{ ef}lts k|df0fkqdf kl/jt{g ul/lbg],
-ª_ ljB'tLo ¿kdf /x]sf lwtf]kqx¿sf] ljj/0f /fVg],
-r_ lxtu|fxLsf] vftfaf6 lwtf]kqsf] x:tfGt/0f ubf{ lxtu|fxLsf] lnlvt jf ljB'tLo
;"rgf k|fKt u/]kl5 dfq sfof{Gjog ug],{
-5_ u|fxs tyf cGo dWo:ystf{;uF sf] Jofj;flos sf/f]af/ ubf{ pRr:t/sf] g}lts
Jojxf/ sfod /fVg],
-h_ sfg'g kfngf clwsf/LnfO{ k|efjsf/L sfd u/fpgsf lglDt kof{Kt clwsf/ /
:jtGqtf lbg],
-em_ s]Gb|Lo lgIf]k sDkgLn] tf]sa] df]lhdsf] cjlwdf lxtu|fxLnfO{ ljB'tLo vftfsf]
ljj/0f pknAw u/fpg],
-`_ af]8{ tyf s]Gb|Lo lgIf]k sDkgLn] lbPsf lgb]{zg, ;'emfj kfngf ug]{ .

!# = lgIf]k ;b:on] ug{ gx'g ] sfo{M lgIf]k ;b:on] b]xfo adf]lhdsf sfo{ ug{ u/fpg x'Fb}gM–
-s_ lxtu|fxL jf u|fxsnfO{ cfkm" s'g} vf; ;]jf k|bfg ug{ of]Uo jf Ifdtfjfg /x]sf]
eGg]af/]df cg'lrt Joxf]/f k|:t't ug{,]
-v_ af]8{ jf s]Gb|Lo lgIf]k sDkgLdf k]z ug'k{ g]{ s'g} sfuhft, k|lta]bg jf ;"rgf
n'sfpg] jf unt sfuhft, k|lta]bg jf ;"rgf k]z ug]{,
-u_ s]Gb|Lo lgIf]k sDkgLsf]] k"a{ :jLs[lt geO{ cfkm\gf] sfdsf/jfxL cGo s;}nfO{
tf]Sg jf k|Tofof]lht ug]{,
-3_ lxtu|fxL jf c¿ lgIf]k ;b:ox¿sf] clxt x'g] u/L s'g} c:j:y k|lt:kwf{df
;+nUg x'g],
-ª_ sfg'gn] tf]lslbPsf] cj:yfdf afx]s lgIf]k ;b:osf] axL vftf;DaGwL
ljj/0fsf] uf]Kotf eË ug]{,
-r_ cfk\mgf u|fxsnfO{ s'g} lwtf]kqdf nufgL ug]{ ;Nnfx lbg] .

kl/R5]b $
k"Fh L, :jfldTj tyf of]U otf;DaGwL Joj:yf

!$= s]G b|L o lgIf]k sDkgLsf] :jfldTjM -!_ dfGotfk|fKt lwtf]kq ahf/, gful/s nufgL sf]if, a}+s,
lab]zL ;+:yfut nufgLstf{, u}/a}lsË ljQLo ;+:yf, lgIf]k ;b:ox¿ tyf af]8{n] tf]s]sf] cGo
;+:yfn] s]Gb|Lo lgIf]k sDkgLsf] z]o/ u|x0f ug{ ;Sg]5 .
t/ af]8{n] k|fs[lts JolQm, k|fOe]6 sDkgL jf ;xsf/L ;+:yfnfO{ s]Gb|Lo lgIf]k sDkgLsf]
z]o/ u|x0f ug{ kfpg] u/L tf]Sg ;Sg]5}g .
-@_ pklgod -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg s]Gb|Lo lgIf]k sDkgLsf] :jfldTj
u|x0f ug]{ ;+:yfn] b]xfo adf]lhd of]Uotf k"/f u/]sf] x'gk' g]{ 5M–
-s_ :yfkgf ePsf] sDtLdf kfFr aif{ k"/f ePsf],
5
 -v_ r'Qmf k"FhLeGbf g]6jy{ sd gePsf],
-u_ ljut tLg jif{b]lv gfkmfdf ;+rfng ePsf] .

!%= :jfldTj u|x 0f ug{ g;Sg] cj:yfM b]xfosf]] cj:yf ePsf] sDkgL jf ;+ul7t ;+:yf s]Gb|Lo
lgIf]k sDkgLsf] z]o/ :jfldTj u|x0f ug{ of]Uo x'g]5}gM-
-s_ ;fx'sf] C0f ltg{ g;sL bfdf;fxLsf] sf/jfxLdf k/]sf],
-v_ k|rlnt sfg'gadf]lhd s/ bflvnf ug]{ k|of]hgsf nflu cfo ljj/0f k]z
gu/]sf],
-u_ ljQLo ljj/0f ;fj{hlgs ug'{kg]{ sDkgL jf ;+ul7t ;+:yfsf] xsdf nuftf/
tLg jif{;Dd n]vf k/LIf0f ePsf] ljQLo ljj/0f ;fj{hlgs gu/]sf],
-3_ ;DalGwt P]gadf]lhd sf/jfxL eO{ cg'dltkq vf/]h ePsf],
-ª_ shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf] .

!^= :jfldTj x:tfGt/0f;DaGwL Joj:yfM -!_ s]Gb|Lo lgIf]k sDkgLsf] ;+:yfks z]o/wgLn] cfk"mn]
u|x0f u/]sf] z]o/ cg'dltkq k|fKt ePsf] ldltn] kfFr jif{ k"/f geP;Dd laqmL ug{ kfpg] 5}g .
-@_ pklgod -!_ adf]lhdsf] ;do ;dfKt eO{ s]Gb|Lo lgIf]k sDkgLsf] s'g} z]o/ laqmL
ePsf]df To:tf] z]o/ vl/b u/L lnPsf] ldltn] Psjif{ k"/f geP;Dd k'gM laqmL ug{ ;lsg]5}g .
-#_ s]Gb|Lo lgIf]k sDkgLsf] z]o/wgLn] cfk"mn] u|x0f u/]sf] z]o/ laqmL ug{ rfx]df
cfk"mn] laqmL ug]{ z]o/sf] laqmL d"Nosf] z"Go bzdna kfFrk|ltzt b:t"/;lxt ;DalGwt s]Gb|Lo
lgIf]k sDkgLdfk{mt :jLs[ltsf nflu af]8{;dIf lgj]bg lbg'kg]{5 .
-$_ pklgod -#_ adf]lhdsf] lgj]bgdf z]o/ vl/b ug{ rfxg] sDkgL jf ;+ul7t
;+:yfsf] cg';"rL–% adf]lhdsf] ljj/0f tyf sfuhft;d]t ;+nUg ug'{kg]{5 .
-%_ pklgod -#_ adf]lhdsf] lgj]bg / ;+nUg ljj/0f tyf sfuhft hfFra'em ubf{
af]8{n] cfjZos b]v]df yk ljj/0f jf sfuhft dfu ug{ jf s'g} ljifodf :ki6 ug{ nufpg
;Sg]5 .
-^_ pklgod -#_ adf]lhd kg{ cfPsf] lgj]bg pk/ cfjZos hfFra'em u/L af]8{n] P]g
tyf o; lgodfjnLsf] clwgdf /xL z]o/ laqmLsf] nflu ;xdlt k|bfg ug]{5 .

!&= z]o / laqmL ug'{k g]{M -!_ o; lgodfjnLdf cGoq h'g;'s} s'/f n]lvPsf] ePtfklg s]Gb|Lo lgIf]k
sDkgLsf] z]o/ :jfldTj u|x0f ug{ cof]Uo ePsf] ;DalGwt ;+ul7t ;+:yfn] cfkm"n] u|x0f u/]sf]
z]o/ :jfldTj x:tfGt/0f ug{ To:tf] cof]Uo ePsf] ldltn] tLg dlxgfleq o; lgodfjnLdf
ePsf] Joj:yf adf]lhd af]8{;dIf lgj]bg lbO;Sg'kg]5 { .
-@_ pklgod -!_ adf]lhd z]o/ :jfldTj x:tfGt/0f ug{ g;s]df ;DalGwt ;+ul7t
;+:yfn] u|x0f u/]sf] z]o/ s]Gb|Lo lgIf]k sDkgLn] lnO{ tLg dlxgfleq o; lgodfjnL adf]lhd
of]Uotf k"/f ePsf] lgsfonfO{ af]nsaf]n k|0ffnLaf6 laqmL ul/lbg'kg]{5 .
-#_ pklgod -@_ adf]lhd z]o/ laqmL x'g g;s]df af]8{nfO{ hfgsf/L lbO{ s]Gb|Lo lgIf]k
sDkgLn] cGo j}slNks Joj:yf cjnDag ug{ ;Sg]5 .
-$_ pklgod -@_ jf -#_ adf]lhd s]Gb|Lo lgIf]k sDkgLsf] z]o/ laqmL ubf{ o;
lgodfjnL adf]lhd of]Uotf k"/f ePsf] ;+:yfnfO{ dfq laqmL ug'{kg]{ 5 / To;/L laqmL u/]sf]
Ps dlxgfleq laqmL ul/Psf] /sdsf] z"Go bzdnj kfFr k|ltzt b:t'/;lxt z]o/ vl/b ug]{
;+:yfsf] ;DaGwdf cg';"rL–% adf]lhdsf] ljj/0f / sfuhft tyf af]nsaf]n k|0ffnLaf6 z]o/
laqmL ul/Psf] eP ;f] ;DaGwL ;Dk"0f{ ljj/0f;lxt s]Gb|Lo lgIf]k sDkgLn] af]8{nfO{ hfgsf/L
lbg'kg]{5 .

6
!*= ;+r fns tyf sfo{s f/L k|d 'v sf] of]U otfM s]Gb|Lo lgIf]k Joj;foLsf] ;+rfns tyf sfo{sf/L
k|d'vsf] of]Uotf b]xfo adf]lhd x'g'kg]{5 M–
-s_ s]Gb|Lo lgIf]k Joj;foLsf] sfo{sf/L k|d'v tyf ;+rfnssf] nflu cy{zf:q,
jfl0fHo zf:q, ljQ, n]vf, Joj:yfkg jf jfl0fHo sfg'g laifodf dfGotf k|fKt
lzIf0f ;+:yfaf6 sDtLdf :gftsf]Q/ jf rf6{8{ PsfpG6]G;L jf ;f] ;/xsf]
pkfwL xfl;n u/L k"FhL ahf/ jf pBf]u jf jfl0fHo jf ljQ jf n]vf jf sfg'g
jf Joj:yfkg If]qx¿dWo] s'g} Ps jf PseGbf a9L If]qdf sDtLdf kfFr aif{sf]
cg'ej xfl;n u/]sf],
-v_ g]kfn ;/sf/n] :jLs[lt lbPsf]df afx]s g]kfnL gful/s ePsf] .

!(= ;+r fns tyf sfo{s f/L k|d 'v sf] cof]U otfM -!_ b]xfosf] cof]Uotf ePsf] JolQm s]Gb|Lo lgIf]k
Joj;foLsf] ;+rfns jf sfo{sf/L k|d'v x'g;Sg] 5}g M–
-s_ ax'nfPsf] jf dfgl;s ;Gt'ng 7Ls gePsf],
-v_ g}lts ktg b]lvg] kmf}Hbf/L cleof]udf s;'/bf/ 7xl/Psf] eP ;hfo e'Qmfg
ePsf] ldltn] kfFr aif{ k"/f gePsf],
-u_ e|i6frf/ jf 7uLsf] s;"/df cbfntaf6 ;hfo kfPsf] eP ;hfo e'Qmfg
ePsf] ldltn] kfFr aif{ k"/f gePsf],
-3_ cfkm" jf cfkm" ;+rfns jf sfo{sf/L k|d'v /x]sf] sDkgL jf ;+ul7t ;+:yfn]
;fx"sf] C0f ltg{ g;sL bfdf;fxLdf k/]sf] eP bfdf;fxLdf k/]sf] kfFr jif{
k"/f gePsf],
-ª_ k|rlnt sfg'gadf]lhd s/ bflvnf gu/]sf] jf s/ bflvnf ug]{ k|of]hgsf
nflu cfo ljj/0f k]z gug]{ sDkgL jf ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L
k|d'v /x]sf],
-r_ cfkm" jf cfkm" ;+rfns jf sfo{sf/L k|d'v /x]sf] sDkgL jf ;+ul7t ;+:yf
shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf],
-5_ nuftf/ tLg jif{;Dd n]vf k/LIf0f ePsf] ljQLo ljj/0f ;fj{hlgs gug]{
;fj{hlgs lgisfzg u/]sf ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v
/x]sf],
-h_ P]gadf]lhd ;hfo eO{ ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'vsf] ¿kdf
sfo{ ug{ gkfpg] u/L af]8{n] ;"lrs[t u/]sf] .
-@_ s'g} sDkgL jf ;+ul7t ;+:yfdf sfo{sf/L k|d'vsf ¿kdf sfo{/t /x]sf] JolQmn]
s]Gb|Lo lgIf]k Joj;foLsf] sfo{sf/L k|d'vsf] sfo{ ug{ kfpg] 5}g .

kl/R5]b – %
lgIf]k ;b:o;DaGwL Joj:yf

@)= lgIf]k ;b:osf] of]U otfM lgIf]k ;b:o x'gsf] nflu b]xfo adf]lhdsf] of]Uotf k"/f u/]sf] x'g'
kg]{5M–
-s_ a}+s jf ljQLo ;+:yf, lwtf]kq bnfn, /lhi6«f/ jf x:tfGt/0f k|ltlglw,
s:6f]l8og jf cGo o:t} af]8{af6 ;do ;dodf tf]lsPsf lgsfo /x]sf],
-v_ g]6jy{ sDtLdf Ps s/f]8 ?k}ofF /x]sf],
-u_ shf{ ;"rgf s]Gb|sf] sfnf] ;"lrdf g/x]sf] .

7
@!= af]8 {df btf{ x'g 'k g]{M -!_ o; lgodadf]lhd s]Gb|Lo lgIf]k sDkgLsf] ;b:otf k|fKt u/L ;]jf
k|bfg ug{ rfxg] of]Uotf k"/f u/]sf lgsfon] To;/L ;b:otf k|fKt ug'c { l3 af]8{af6 btf{
k|df0fkq lng'kg]{5 .
-@_ pklgod -!_ adf]lhdsf] btf{ k|df0fkq k|fKt ug{sf nflu cg';"rL–( adf]lhdsf]
9fFrfdf cg';"rL–!@ adf]lhdsf] lgj]bg b:t'/ tyf b]xfosf ljj/0f tyf sfuhft ;+nUg u/L
af]8;
{ dIf lgj]bg lbg'kg]{5,
-s_ ;+:yfsf] k|aGwkq tyf lgodfjnLsf] k|ltlnlk,
-v_ sDkgL btf{ k|df0fkq,
-u_ k|rlnt sfg'gadf]lhd tf]lsPsf] 9fFrf / n]vfdfgcg';f/ tof/ u/L n]vf
k/LIf0f ePsf]] cl3Nnf] cfly{s jif{sf]] ljQLo ljj/0f,

:ki6Ls/0fM o; v08sf] k|of]hgsf] nflu ;+:yfkgf eO{ cfly{s jif{ k"/f

gePsf] sDkgL jf ;+ul7t ;+:yfsf] xsdf Joj:yfkgåf/f k|dfl0ft cfjlws
ljQLo ljj/0f k]z ug{ ;lsg]5 .

-3_ lgIf]k ;b:osf] ¿kdf sfo{ ug{ tof/ ul/g] k"jf{wf/ Joj:yf,
-ª_ lgIf]k ;b:osf] ¿kdf sfd ug{ Joj:yf ul/g] hgzlQm,
-#_ af]8{n] pklgod -@_ sf] v08 -s_ b]lv -ª_ ;Ddsf] Joj:yfdWo] s'g}df 5'6 lbg
;Sg]5 .
-$_ pklgod -@_ adf]lhd k]z ePsf] lgj]bgsf] hfFra'em ubf{ af]8{ ;Gt'i6 ePdf
lgj]bsnfO{ lgIf]k ;b:osf] ¿kdf btf{ u/L cg';"rL–!) adf]lhdsf] 9fFrfdf k|df0fkq k|bfg
ug]{5 .
-%_ pklgod -$_ adf]lhd btf{ k|df0fkq k|bfg ug'{cl3 af]8{n] lgj]bsnfO{ cg';"rL–!@
adf]lhdsf] btf{ k|df0fkq b:t'/ a'emfpg ;"lrt ug]{5 .

@@= btf{ k|d f0fkq gjLs/0fM -!_ o; lgodadf]lhd k|bfg ul/Psf] btf{ k|df0fkq Ps cfly{s
jif{;Dd axfn /xg]5 / cfly{s jif{ ;dfKt ePsf] tLg dlxgfleq gjLs/0f ul/;Sg'kg]{5 .
-@_ lgIf]k ;b:on] tf]lsPsf] ;doleq btf{ k|df0fkq gjLs/0fsf] nflu lgj]bg lbg
c;kmn ePdf, To:tf] lgIf]k ;b:onfO{ btf{ k|df0fkq gjLs/0f gu/fPsf] cjlw;Dd gofF
nufgLstf{ vftf vf]Ng /f]s nufOg] 5 .
-#_ lgIf]k ;b:on] btf{ k|df0fkq gljs/0f ug{sf] nflu cg';"lr–!! adf]lhdsf] lgj]bg
/ cg';"rL–!@ adf]lhdsf] b:t'/;lxt af]8; { dIf lgj]bg k]z ug'k{ g]{5 .
-$_ lgIf]k ;b:osf] btf{ k|df0fkq gjLs/0f ug{sf] nflu lbPsf] lgj]bgdf pQm
k|df0fkqsf] Dofbleq k|df0fkq gjLs/0f x'g g;s]df af]8{af6 cGoyf ;"rgf gcfP;Dd cfKfm\gf]
sfd ug{ afwf kg]{ 5}g .

@# = gub w/f}6 L /fVg'k g]{M -!_ lgIf]k ;b:on] cfKfmgf] sf/f]af/ z'? ug{c ' ufl8 s]Gb|Lo lgIf]k
sDkgLdf Aofh gkfpg] u/L gub w/f}6L /fVg'kg]5{ .
-@_ pklgod -!_ adf]lhd lgIf]k ;b:on] s]Gb|Lo lgIf]k sDkgLnfO{ a'emfpg'kg]{ gub
w/f}6L /sd s]Gb|Lo lgIf]k sDkgLsf] ljlgodfjnLdf tf]lsP adf]lhd x'g]5 .

8
 kl/R5]b – ^
lwtf]k qsf] lgIf]k ;DaGwL Joj:yf

@$= s]G b|L o lgIf]kdf lwtf]kqsf] ;dfj]z u/fpg'k g]{M -!_ s]Gb|Lo lgIf]k sDkgLsf] ljlgodfjnLdf
tf]lsPsf] of]Uotf k"/f u/]sf tyf lwtf]kq ahf/df ;"lrs[t ePsf jf gePsf lwtf]kq hf/L ug]{
h'g;'s} ;+ul7t ;+:yf jf lgsfon] s]Gb|Lo lgIf]k sDkgLdf lwtf]kq jf cGo pks/0f ;dfj]z
ug{ rfx]df s]Gb|Lo lgIf]k sDkgLn] lgwf{/0f u/]sf] z'Ns lt/L s]Gb|Lo lgIf]k sDkgLn] tf]s]
adf]lhdsf] 9fFrfdf ;Demf}tf ug'k{ g]5{ .
-@_ pklgod -!_ df h'g;'s} s'/f n]lvPsf] ePtfklg s]Gb|Lo lgIf]kdf ;/sf/L lwtf]kq,
sdl;{on k]k/, :6s k|df0fkq tyf j:t' ahf/sf ekf{O jf k|df0fkq;d]tsf] lgIf]k /fVg
;lsg]5 .
-#_ lgisfzgstf{ ;+ul7t ;+:yf jf cGo lgsfon] s]Gb|Lo lgIf]k k|0ffnLdf lwtf]kq
lgIf]k u/fpgsf nflu s]Gb|Lo lgIf]k sDkgLsf] sfo{ ;+rfng lgb]{lzsfdf tf]lsP adf]lhdsf]
sfuhft, z'Ns tyf ljj/0f;lxt s]Gb|Lo lgIf]k sDkgLdf lgj]bg lbg'kg]{5 .
-$_ pklgod -#_ df h'g;'s} s'/f n]lvPsf] ePtfklg s]Gb|Lo lgIf]k sDkgLn] g]kfn
;/sf/n] hf/L u/]sf] lwtf]kq / af]8{n] tf]s] adf]lhdsf cGo lwtf]kqsf]] lgIf]k ug{ afwf kg]{
5}g .
-%_ s]Gb|Lo lgIf]k sDkgLn] cfk"mn] lgIf]kdf lnPsf] ;Dk"0f{ lwtf]kq ef}lts k|df0fkq/lxt
-l8Dof6]/nfOh_ u/L lwtf]kqx¿sf] ljB'tLo clen]v /fVg'kg]{5 .
-^_ o; lgodfjnL nfu" x'Fbf ;'lrs[t /x]sf ;+ul7t ;+:yfx¿n] s]Gb|Lo lgIf]k sDkgLn]
cfkm\gf] ;]jf ;+rfngdf NofPsf] Ps jif{leq s]Gb|Lo lgIf]k k|0ffnLdf lwtf]kq lgIf]k u/fO ;Sg'
kg]{5 .
-&_ s]Gb|Lo lgIf]k sDkgL ;+rfngdf cfPkZrft\ af]8{df lwtf]kq btf{ u/fPsf ;Dk"0f{
;"lrs[t ;+ul7t ;+:yfn] cfk\mgf lwtf]kqx¿ ef}lts k|df0fkq/lxt u/L ljB'tLo ¿kdf dfq
lgisfzg ug{k' g]5 { .
-*_ pk–lgod -^_ sf] ;Ldfleq /xL ;"lrs[t ;+ul7t ;+:yfn] cfk\mgf lwtf]kqx¿nfO{
lgIf]k u/fpgsf lglDt ;dotflnsf tof/ u/L af]8{n] tf]Sg ;Sg]5 .
-(_ lgisfzgstf{ jf lgisfzgstf{sf] k|ltlglwn] ljB'tLo dfWoddf /flvPsf lwtf]kqsf
k|df0fkqx¿sf] clen]v /fVg'kg]{ 5 / lgisfzgstf{n] lgisfzg u/]sf ljB'tLo lwtf]kqx¿sf]
clen]v;Fu ;Dk"0f{ lwtf]kq -ljB'tLo ¿kdf /flvPsf lwtf]kqx¿ / ef}lts ¿kdf /flvPsf
lwtf]kqx¿_ b}lgs ¿kdf ldnfg u/L /fVg'kg]{5 .
-!)_ ;"lrs[t sDkgLsf] xsdf lgisfzgstf{n] s]Gb|Lo lgIf]k sDkgLdf ljB'tLo ¿kdf
kl/at{g u/L /fv]sf lwtf]kqx¿ lwtf]kq ahf/df ;"lrs[t ul/Psf lwtf]kqeGbf a9L gePsf]
;'lglZrt ug'k{ g]{ 5 / ;f]sf] k|ltj]bg af]8{n] lgwf{/0f u/]adf]lhdsf] ;dofjlwdf lwtf]kq
ahf/nfO{ a'emfpg'kg]{5 .
-!!_ lgisfzgstf{÷/lhi6«f/ tyf x:tfGt/0f k|ltlglwn] lxtu|fxLsf] lwtf]kq ljB'tLo
lgIf]kdf /fVg lbPsf] cfb]z;lxtsf] ;"rgf (Intimation) lgIf]k ;b:oaf6 k|fKt u/]kl5 tf]lsPsf]
cjlwleq ;fljssf] lwtf]kqsf] k|df0fkq /2 u/L lwtf]kqwgLsf] ;§f s]Gb|Lo lgIf]k sDkgLsf]
gfd btf{ ePsf] wgLsf] ¿kdf sfod u/L ;f]sf] hfgsf/L s]Gb|Lo lgIf]k sDkgLnfO{ lbg'kg]{5 .
-!@_ lgisfzgstf{÷/lhi6«f/ tyf x:tfGt/0f k|ltlglwn] lxtu|fxLsf] ljB'tLo lgIf]kdf
/flvPsf] lwtf]kqnfO{ k'gM ef}lts k|df0fkqsf] ¿kdf kl/jt{g ug{ lbPsf] cfb]z;lxtsf] ;"rgf
(Intimation) lgIf]k ;b:odfkm{t k|fKt ePkl5 tf]lsPsf] cjlwleq lgIf]k clen]vdf s]Gb|Lo

9
 lgIf]k sDkgLsf] ;§f lxtu|fxLsf] gfd /fvL k|df0fkq cyf{t\ lwtf]kqsf] ljj/0f agfO{ ;f]sf]
hfgsf/L s]Gb|Lo lgIf]k sDkgLnfO{ lbg'kg]{5 .

@%= :jfldTj x:tfGt/0f;DaGwL Joj:yfM -!_ lxtu|fxLsf] l/tk"j{ssf] cg'/f]w k|fKt ePkl5 lgIf]k
;b:on] tf]lsPadf]lhdsf] k|0ffnLdf :jldTj x:tfGt/0fsf] k|s[of cufl8 a9fpg' kg]{5 .
-@_ lxtu|fxLsf] d[To' ePdf jf cGo s'g} cj:yf k/]/ nufgLstf{n] vf]n]sf vftfdf
/x]sf] lwtf]kqx¿sf] :jfldTj x:tfGt/0f ug'{k/]df To:tf lwtf]kqx¿sf] :jfldTj
x:tfGt/0f;DaGwL k|s[of k|rlnt sfg'gadf]lhd x'g]5 .

kl/R5]b – &
ljQLo ljj/0f, n]v fk/LIf0f tyf ljj/0f k|j fx;DaGwL Joj:yf

@^= s]G b|L o lgIf]k sDkgLsf] ljQLo ljj/0f tyf clen]v ;DaGwL Joj:yfM -!_ s]Gb|Lo lgIf]k
sDkgLn] k|rlnt sfg'g adf]lhd /fVg'kg]{ clen]v tyf ljj/0fsf cltl/Qm b]xfo adf]lhdsf]
clen]v;d]t oyfy{ / b'?:t ¿kdf /fVg'kg]{5M-
-s_ s]Gb|Lo lgIf]k sDkgLsf] lgIf]k ;b:o ;DaGwL ljj/0f,
-v_ lgIf]k ul/Psf lwtf]kq tyf lgisfzgstf{ ;DaGwL ljj/0f,
-u_ af]8{n] ;do ;dodf tf]lslbPsf] cGo ljj/0f .
-@_ pklgod -!_ adf]lhd /fVg'kg]{ clen]vsf] 9fFrf af]8{n] tf]lslbg ;Sg]5 .
-#_ s]Gb|Lo lgIf]k sDkgLn] cfkm\gf] ;+rfngsf] cfGtl/s n]vf k/LIf0f ug]{ Joj:yf
ldnfpg'kg]{ 5 / ;f]sf] k|ltj]bg cfly{s jif{ ;dfKt ePsf] tLg dlxgfleq af]8; { dIf k]z
ug'{kg]{5 .
-$_ s]Gb|Lo lgIf]k sDkgLn] cfly{s jif{ ;dfKt ePsf] tLg dlxgfleq n]vf k/LIf0f
u/fpg' kg]5 { / n]vf k/LIf0f ;DkGg ePsf] Ps dlxgf leq ljQLo ljj/0f af]8{;dIf k]z
ug'{kg]{5 .
-%_ s]Gb|Lo lgIf]k sDkgLn] cfkm\gf] jflif{s k|ltj]bg cfly{s aif{ ;dfKt ePsf] 5
dlxgfleq af]8{;dIf k]z ug'{kg]{5 .
-^_ s]Gb|Lo lgIf]k sDkgLn] jflif{s ;fwf/0f ;ef ;lsPsf] tL; lbgleq pQm ;fwf/0f
;efdf k|:t't laifo tyf ePsf lg0f{o;lxtsf] ljj/0f af]8; { dIf k]z ug'{kg]{5 .

@&= ljj/0f tyf k|l tj]b g k]z ug'{'k g]{M -!_ s]Gb|Lo lgIf]k sDkgLn] b]xfo adf]lhdsf] hfgsf/L,
ljj/0f tyf k|ltj]bg b]xfo adf]lhdsf] cjlwleq af]8; { dIf k]z ug'{kg]{5 M-
-s_ q}dfl;s k|ult k|ltj]bg q}dfl;s cjlw ;dfKt ePsf] tL; lbgleq,
-v_ s]Gb|Lo lgIf]k sDkgLn] lgIf]k ;b:onfO{ s'g} sf/jfxL u/]df To:tf] sf/jfxL
u/]sf] ;ft lbgleq ;DalGwt lgIf]k ;b:osf] gfd, sf/jfxLsf] ljj/0f tyf
sf/jfxL ug'{k/]sf] sf/0f;lxtsf] ljj/0f,
-u_ s]Gb|Lo lgIf]k sDkgLn] lgIf]k ;b:osf] lg/LIf0f u/]sf] cj:yfdf lg/LIf0f
;dfKt ePsf] tL; lbgleq tT;DaGwL k|ltj]bg,
-3_ af]8{n] dfu]sf ;"rgf, sfuhft tyf cGo ljj/0f,
-ª_ af]8{n] ;do ;dodf tf]lslbPsf] cGo ;"rgf tyf ljj/0f .
-@_ s]Gb|Lo lgIf]k sDkgLn] af]8; { dIf k]z ug'k{ g]{ k|ltj]bgsf] 9fFrf af]8{n] tf]lslbg
;Sg]5 .
10
 -#_ P]gsf] bkmf $^ df tf]lsPsf] hfgsf/Lsf cltl/Qm s]Gb|Lo lgIf]k sDkgLn] b]xfosf
s'/fsf] hfgsf/L af]8{nfO{ t'?Gt lbg'kg]{5M–
-s_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v k|rlnt sfg'gadf]lhd s'g}
sf/jfxLdf k/]df,
-v_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf
k/]df,
-u_ s]Gb|Lo lgIf]k sDkgLn] lwtf]kq lgIf]k, s]Gb|Lo lgIf]k sDkgLsf] ;b:otf,
lwtf]kq x:tfGt/0f ;DaGwdf s'g} ;ldlt u7g u/]df pQm ;ldltsf] ;+/rgf,
sfd st{Jo tyf clwsf/ ;DaGwL hfgsf/L,
-3_ v08 -u_ adf]lhd u7g ul/Psf] ;ldltsf] ;+/rgf, sfd, st{Jo tyf clwsf/
kl/jt{g u/]df jf lj36g u/]df,
-ª_ s]Gb|Lo lgIf]k sDkgLsf] Joj:yfkg jf ;+u7g 9fFrfdf s'g} kl/jt{g ePdf,
-r_ s]Gb|Lo lgIf]k sDkgLsf] lgod kfngf clws[tsf] lgo'lQm jf kl/jt{g ePdf .

@*= lgI]fk ;b:osf] ljQLo ljj/0f tyf clen]v ;DaGwL Joj:yfM -!_ lgIf]k ;b:on] k|rlnt sfg'g
adf]lhd tf]lsPsf] 9fFrf / n]vfdfg cg';f/ n]vf /fvL gfkmf gf]S;fg lx;fa, jf;nft tyf
gub k|jfx ljj/0fnufotsf ljQLo ljj/0f tof/ ug'{kg]{5 .
-@_ lgIf]k ;b:on] cfly{s jif{ ;dfKt ePsf] tLg dlxgfleq n]vf k/LIf0f ePsf] ljQLo
ljj/0f ;lxtsf] aflif{s k|ltj]bg af]8{ tyf s]Gb|Lo lgIf]k sDkgL ;dIf k]z ug'{kg]{5 .

@(= n]v fk/LIfs tyf n]vfk/LIf0f ;DaGwL Joj:yfM -!_ rf6{8{ PsfpG6]G;L jf ;f] ;/xsf] k/LIff
pQL0f{ u/L g]kfn rf6{8{ PsfpG6]G6\; ;+:yfaf6 n]vf k/LIfssf] k|df0fkq k|fKt u/]sf]
n]vfk/LIfs dfq s]Gb|Lo lgIf]k sDkgL tyf lgIf]k ;b:osf] n]vfk/LIfssf] ¿kdf lgo'Qm x'g
of]Uo x'g]5 .
-@_ s]Gb|Lo lgIf]k sDkgL tyf lgIf]k ;b:on] n]vf k/LIfssf] lgo'lQm u/]sf] kGw|
lbgleq af]8{nfO{ ;f] ;DaGwL hfgsf/L k7fO;Sg'kg]{5 .
-#_ n]vf k/LIfsn] s]Gb|Lo lgIf]k sDkgL tyf lgIf]k ;b:osf] n]vfk/LIf0f ubf{ n]vf
k/LIf0f ;DaGwL k|rlnt d"No dfGotf / dfkb08 cg';f/ ug'{kg]{5 .
-$_ n]vfk/LIfsn] n]vfk/LIf0f ul/;s]kl5 s]Gb|Lo lgIf]k sDkgL tyf lgIf]k ;b:osf]
sfdsf/afxL, cfly{s ljj/0f tyf cj:yf k|ltlalDat x'g] u/L k|ltj]bg tof/ ug'k{ g]{5 .
-%_ af]8{n] s]Gb|Lo lgIf]k sDkgL jf lgIf]k ;b:osf] n]vfk/LIfsn] n]vfk/LIf0f
k|ltj]bgdf yk ljj/0fx¿ v'nfpg'kg]{ u/L tf]lslbg ;Sg]5 .

kl/R5]b – *
ljljw

#)= ljlgodfjnL tyf sfo{ ;+r fng lgb]{l zsf agfpg ;Sg]M -!_ s]Gb|Lo lgIf]k sDkgLn] s]Gb|Lo
lgIf]k ;]jf ;~rfngsf nflu cfjZos ljlgodfjnL tyf sfo{ ;~rfng lgb]{lzsf agfO{ nfu"
ug{;Sg]5 .
-@_ pklgod -!_ adf]lhd agfOPsf] ljlgodfjnL tyf sfo{ ;~rfng lgb]{lzsf af]8{af6
:jLs[t u/fP/ dfq nfu" ug'{kg]{5 .
-#_ ljlgodfjnL tyf lgb]{lzsf :jLs[ltsf] nfUfL af]8{df k]z ug{'eGbf cufl8 ;+rfns
;ldltaf6 :jLs[lt u/fPsf] x'gk' g]{5 .
11
 -$_ pklgod -!_ adf]lhd nfu" u/]sf] ljlgodfjnL tyf lgb]{lzsfdf cfjZostfcg';f/
;+zf]wg jf ;'wf/ ug{ jf ;f] vf/]h u/L gofF Joj:yf agfO{ nfu" ug{ af]8{n] lgb]{zg lbg
;Sg]5 .

# != u'g f;f] ;dfwfgsf] Joj:yf ug'{k g]{M -!_ s]Gb|Lo lgIf]k sDkgLn] s]Gb|Lo lgIf]k ;]jf ;+rfng
;DaGwdf k|fKt x'g cfPsf u'gf;f] ;dfwfgsf] nflu pko'Qm / k|efjsf/L Joj:yf ug{'kg]{5 .
-@_ lxtu|fxLaf6 s]Gb|Lo lgIf]k ;]jf;+u ;DalGwt s'g} k|sf/sf] u'gf;f] k|fKt ePdf
To:tf] u'gf;f] s]Gb|Lo lgIf]k sDkgLn] ;dfwfg ug{'kg]{5 .
-#_ s]lGb|o lgIf]k sDkgLn] u'gf;f] ;dfwfg gu/]df jf ;dfwfg ug{ l9nfO{ u/]df jf
u'gf;f] ;dfwfg pk/ lrQ ga'em]df ;DalGwt kIfn] af]8{ ;dIf k'g/fjnf]sgsf nflu lgj]bg
lbg ;Sg]5 .
-$_ s]Gb|Lo lgIf]k sDKfgLdf k|fKt ePsf u'gf;f ;DaGwL hfgsf/L k|To]s dlxgf af]8{
;dIf k]z ug{'kg]{5 .

#@= lxtu|f xL ;+/If0f sf]i f;DaGwL Joj:yfM af]8{n] b]xfo adf]lhdsf] p2]Zo /x]sf] lxtu|fxL ;+/If0f
sf]if v8f ug{ s]Gb|Lo lgI]fk sDkgLnfO{ lgb]{zg lbg ;Sg]5M–
-s_ s]Gb|Lo lgIf]k sDkgL dfkm{t ljB'tLo lgIf]k ul/Psf lwtf]kqdf nufgL ug]{,
:jfldTj u|x0f ug]{ jf sf/f]jf/ ug]{ JolQmsf nflu ;b}j pknJw x'g] u/L
;b:ox¿sf] lxt tyf ;+/If0fsf nflu sf]if v8f ug]{ tyf Joj:yfkg ug]{,
-v_ s]Gb|Lo lgIf]k sDkgL jf lgIf]k ;b:o jf tLgsf sd{rf/Lx¿sf] tkm{af6 ePsf]
unt sfo{, nfk/jfxL, uNtL jf hfn;fhLn] lxtu|fxLx¿n] Joxf]gk'{ /]sf] xfgL
gf]S;fgLsf] gub /fxt jf Ifltk"lt{ k|bfg ug]{,
-u_ ;j{;fwf/0f nufgLstf{nfO{ ljB'tLo lgIf]k ul/Psf] lwtf]kqx¿ u|x0f / sf/f]af/
ubf{ x'g] kmfObfx¿ / ljB'tLo dfWoddf lwtf]kq u|x0f ug]{ nufgLstf{sf] nflu
pknJw ;'/If0f ;DaGwdf hfgsf/L tyf lzIff k|bfg ug]{,
-3_ nufgLstf{ ;r]ts sfo{qmd, cWofkg, uf]li7 tyf sfo{zfnf / o:t} c¿ lgIf]k
k|0ffnLdf ;j{;fwf/0f nufgLstf{x¿sf] ljZjf; hufpg] sfo{qmdx¿sf] lj:tf/
tyf k|j4{g ug]{,

##= z'N s ;DaGwL Joj:yf M -!_ s]Gb|Lo lgIf]kn] lgIf]k ;b:o jf u|fxs;+u tyf lgIf]k ;b:on]
u|fxs;+u lng kfpg] z'Ns s]Gb|Lo lgIf]k sDkgLsf] ljlgodfjnLdf tf]lsPadf]lhd x'g]5 .
-@_ s]Gb|Lo lgIf]k / lgIf]k ;b:on] pklgod -!_ adf]lhd k|fKt u/]sf] z'Nssf] kfFr
k|ltzta/fa/sf] /sd k|To]s dlxgf ;dfKt ePsf] Ps dlxgfleq af]8{df a'emfpg' kg]{5 .

#$= s]G b|L o lgIf]k sDkgLsf] k|f/De kl5sf] lwtf]k q sf/f]j f/M s]Gb|Lo lgIf]k sDkgLsf] k|f/De ePsf]
5 dlxgfkZrft\ ljB'tLo vftf -l8Dof6 PsfpG6_ df lgIf]k ePsf lwtf]kqdfq sf/f]af/ x'g]5 .
t/ af]8{n] cfjZostf cg';f/ o; ;DaGwdf ;do ;dodf x]/km]/ u/L cGo ;do klg lgwf{/0f
ug{ ;Sg]5 .

# %= af]8 {s f] clwsf/ /xg]M o; lgodfjnLdf /x]sf Joj:yfx¿ af/] s'g} c:ki6tf ePdf af]8{n]
AofVof ug{ ;Sg]5 .

#^= zfvf sfof{no vf]N g ;Sg]M s]Gb|Lo lgIf]k sDkgLn] af]8{nfO{ hfgsf/L u/fO{ cfjZostf cg';f/
g]kfnleq zfvf sfof{no vf]Ng ;Sg]5 .
12
#&= k|a Gwkq lgodfjnLdf ;+zf]wgM s]Gb|Lo lgIf]k sDkgLn] af]8{sf] k"j{ :jLs[lt lnO{ cfˆgf]
k|aGwkq tyf lgodfjnLdf /x]sf Joj:yfx¿ ;+zf]wg ug{ ;Sg]5 / To;/L ;+zf]wg u/]sf]
hfgsf/L ;+zf]wg ul/Psf] tL; lbgleq af]8{df k]z ug'{kg]{5 .

#*= n]v fk/LIfsnfO{ sf/afxL ug{ ;Sg]M s'g} n]vfk/LIfsn] n]vfk/LIf0f ubf{ o; lgodfjnL adf]lhd
n]vfk/LIf0f gu/]df To:tf] n]vfk/LIfssf] ;DaGwdf cfjZos sf/afxL ug{sf] nflu af]8{n]
g]kfn rf6{8{ PsfpG6]G6;\ ;+:yf;dIf n]lvk7fpg ;Sg]5 .

#(= af]8 {n fO{ hfgsf/L u/fpg' kg]{M s'g} lgIf]k ;b:on] P]g tyf ;f] cGtu{t ag]sf] lgod, ljlgod,
lgb]{lzsf jf s]Gb|Lo lgIf]k sDkgLn] hf/L u/]sf sfo{ ;+rfng lgb]{lzsfsf] pNn3+g u/]sf]
b]lvPdf s]Gb|Lo lgIf]k sDkgLn] cfjZos sf/jfxL z'? u/L ;f] sf] hfgsf/L af]8{df k7fpg'
kg]5{ .

$)= cg'; "r Ldf x]/ km]/ M o; lgodfjnLsf] cg';"rLdf af]8{n] cfjZostfcg';f/ x]/km]/ ug{ ;Sg]5 .

$!= k|d f0f:j?k /xg]M s]Gb|Lo lgIf]k sDkgLdf ljB'tLo dfWoddf /flvPsf] lwtf]kq ;DaGwL ljj/0f
tyf lxtu|fxL vftfaf6 u/]sf sf/f]af/sf] clen]v cflwsfl/s k|df0fsf] ¿kdf k|of]u ug{
;lsg]5 .

$@= o;} lgodfjnL adf]l hd x'g ]M o; lgodfjnLdf n]lvPsf s'/fx¿sf xsdf o;} lgodfjnL
adf]lhd x'g]5 .

$# = afwf c8sfp km's fpg] M o; lgodfjnLdf n]lvPsf s'/fx¿ sfof{Gjog ug{ s'g} afwf c8\sfp
k/]df jf s'g} låljwf pTkGg ePdf af]8{n] ;f] ;DaGwdf afwf c8\sfp k'msfpg ;Sg]5 .

13
 cg '; "r L— !
-lgod # sf] pklgod -!_ ;+u ;DalGwt_

cg 'd l tkqsf nfl u l bg ] l g j]b g sf] 9fFr f

ldltM================

>L g]kfn lwtf]kq af]8{

=============.

ljifoM cg'dltkq kfpF .

lwtf]kq;DaGwL P]g , @)^# / ;f]cGtu{t ag]sf] lgod, ljlgod tyf cGo k|rlnt sfg'g sf] cwLgdf /xL
lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf ;+rfng ug]{ OR5f ePsf]n] b]xfosf] ljj/0f tyf sfuhft ;+nUg u/L s]Gb|Lo
lgIf]k ;]jf ;+rfngsf] cg'dltkq k|fKt ug{ of] lgj]bg k]z u/]sf 5f} .

o; lgj]bg;fy ;+nUg ljj/0f tyf sfuhft ;To tYo 5g\ / s'g } klg ljj/0f hfgLhfgL n'sfPsf] jf a9fO{
r9fO{ k|: t't u/]sf] 5}g . n'sfPsf] jf unt ljj/0f k]z u/]sf] 7x/]df sfg'g adf]l hd ;xF'nf a'emfpFnf .

;+rfnsx¿M
gfd b:tvtM

!=
@=
#=
$=
lgj]bs ;+ul7t ;+: yfM
gfd M ==========================
7]ufgfM ====================c+rn====================lhNnf ========================= uf= lj=;=÷g=kf=÷d= g= kf=
6f]n====================j8f g+=========Ans g+========= kmf]g g+M================ km\o fS;M============Od]n ================

;+nUg sfuhft tyf ljj/0fM

;+ul7t ;+: yfsf] 5fkM

14
 cg '; "r L— @
-lgod # sf] pklgod -!_, lgod & sf] pklgod -!_ / lgod * ;+u ;DalGwt_

l g j]b g b: t'/ , cg 'd l tkq b: t'/ tyf afl if{s z'N s

!= lgj]bg b:t'/ ?=@%,))).—

@= cg'dltkq b:t'/ ?=%,)),))).—
#= aflif{s z'Ns ?=#,)),))).—

15
 cg '; "r L—#
-lgod # sf] pklgod -@_ sf] v08 -s_ ;Fu ;DalGwt_

;+r fns÷sfo {s f/L k|d 'v ;DaGwL l jj/0f xfn;fn}

lvlrPsf]
kmf]6 f]

!= gfdM
@= :yfoL 7]ufgfM ===============c+rn================lhNnf ==================== uf= lj=;=÷g=kf=÷d= g= kf=
6f]n================j8f g+=========Ans g+========= kmf]g g+M=========== km\o fS;M============Od]n =============
#= xfnsf] 7]ufgfM ==================c+rn===============lhNnf ===================== uf= lj=;=÷g=kf=÷d=kf=
6f]n================j8f g+=========Ans g+========= kmf]g g+M========== km\o fS;M============Od]n ==============
$= afa'sf] gfdM
%= afh]sf] gfdM
^= klt jf klTgsf] gfdM
&= z}l Ifs of]UotfM
*= Joj;flos cg'ejM
(= :yfoL n]vf gDa/ (PAN)M
!)= tflndM
!!= cGo sDkgL jf ;+ul7t ;+: yfdf :jfldTj jf s'g } nfesf] kbdf /x]sf] eP tT;DaGwL ljj/0fM
!@= cfkm"pk/ jf cfkm";Da4 s'g } sDkgL jf ;+ul7t ;+: yf pk/ lwtf]kq ;DalGw sfg'g tyf cGo k|rlnt
sfg'g adf]l hd s'g } sf/jfxL ePsf]] jf e}/x]sf] eP ;f];DaGwL ljj/0fM
!#= s]Gb|Lo lgIf]k sDkgLsf] ;+rfns÷sfo{sf/L k|d'v x'g of]Uotf k"/f ePsf] tyf cof]Uotf g/x]sf]
pb\3f]if0fM

============================
b:tvt

;+nUg ug'{kg]{ sfuhftM

!= cl3Nnf] cfly{s jif{;Ddsf] s/ bflvnf u/]sf] k|df0f .
@= shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf k/]sf] eP To:tf] ;"rLaf6 x6]sf] k|dfl0ft ug]{ sfuhft .
#= of]Uotf, cg'ej / cGo ;+: yfdf ;+nUgtf k|dfl0ft ug]{ sfuhftsf] k|l tlnlk .
$= gful/stf k|df0fkqsf] k|l tlnlk .
%= :yfoL n]vf gDa/ (PAN) btf{ k|df0fkqsf] k|l tlnlk .

16
 cg '; "r L— $
-lgod # sf] pklgod -@_ sf] v08 -v_ ;+u ;DalGwt_

s]G b|L o l g If]k sDkg Lsf] cg 'd l t l ng rfxg ] ;+u l 7t ;+: yf;DaGwL l jj/0f

-s_ ;+: yf btf{ k|df0fkqsf] k|l tlnkL,

-v_ k|aGwkq / lgodfjnL,
-u_ ;+: yfksx¿jLr s]Gb|Lo lgIf]k sDkgL ;+: yfkg ug]{ ;DaGwdf s'g } ;D´f}tf ePsf] eP To:tf]
;D´f}tfsf] k|l tlnlk,
-3_ s]Gb|Lo lgIf]k sDkgL ;+rfngsf nflu tof/ ul/g] k"jf{wf/;DaGwL b]xfosf] ljj/0fM–
!= sfof{no /xg] :yfg tyf sfof{non] cf]u6g] If]qkmn;DaGwL ljj/0f,
@= ;+u7g ;+/rgf tyf sfo{ laefhg;DaGwdf ul/g] Joj:yf,
#= s]Gb|Lo lgIf]k ;]jf ;+rfngsf nflu tof/ ul/g] lgIf]k k|0ffnL, sfof{no pks/0f tyf
k|l jlw;DaGwL ljj/0f,
$= s]Gb|Lo lgIf]k k|0ffnLsf] ;'/Iffsf nflu ul/g] Joj:yf;DaGwL ljj/0f,
%= lgIf]kdf /x]sf lwtf]kqsf]] clen]v /fVg] tyf clen]vsf] ;'/Iffsf nflu ul/g]] Joj:yf,
^= s]Gb|Lo lgIf]k ;]jf ;~rfngsf nflu Joj:yf ul/g] hgzlQm;DaGwL ljj/0f .

17
 cg '; "r L— %
-lgod # sf] pklgod -@_ sf] v08 -u_, lgod !* sf] pklgod -$_ / lgod !( sf] pklgod -$_ ;+u ;DalGwt_

s]G b|L o l g If]k sDkg Lsf] z]o / : jfl dTj

l ng ] ;+: yf;DaGwL l jj/0f

s= btf{ k|df0fkqsf] k|l tlnlk,

v= k|jGwkq / lgodfjnLsf] k|l tlnlk,
u= s'g } ljz]if P]g åf/f ;+: yf ;+: yfkgf ePsf] eP ;f] P]g / tT;DaGwL lgod tyf ljlgodsf] k|l t,
3= s]Gb|Lo lgIf]ksf] z]o / u|x0f ug]{ ;DaGwdf ;+rfns ;ldltn] u/]sf] lg0f{o sf] k|l tlnlk,
ª= k|rlnt sfg'g adf]l hd tf]l sPsf] 9fFrf / n]vfdfgcg';f/ tof/ u/L n]vf k/LIf0f ePsf]] ljut tLg
cfly{s jif{sf] ljQLo ljj/0f tyf k|To]s jif{df u/]sf] sfd sf/jfxL;d]t ;dfj]z ul/Psf]] aflif{s
k|l tj]bg,
-;+: yfkgf ePsf] tLg jif{ k"/f gePsf] sDkgL jf ;+ul7t ;+: yfsf] xsdf pknAw aif{sf] ljQLo
ljj/0f tyf k|l tj]bg k]z ug{ ;lsg]5 ._
r= sDkgL shf{ ;"rgf s]Gb|sf] sfnf]] ;"rLdf g/x]sf] pb\3f]if0f,
5= sDkgL jf ;+ul7t ;+: yf jf ;+: yfsf] ;+rfns pk/ lwtf]kq;DaGwL sfg'g tyf cGo k|rlnt sfg'g
adf]l hd s'g } sf/jfxL ePsf]] jf e}/x]sf] eP ;f];DaGwL ljj/0f,
h= s/ btf{ k|df0f,
em= cGo sDkgL jf ;+ul7t ;+: yfdf :jfldTj /x]sf] eP tT;DaGwL ljj/0f,
`= lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf;DaGwL lgodfjnLadf]l hd s]Gb|Lo lgIf]k sDkgLsf] :jfldTj u|x0f ug{
cof]Uotf g/x]sf] pb\3f]if0f,
6= ;+rfns;DaGwL b]xfosf ljj/0f tyf sfuhft,
-c_ tLg k': t];lxt k"/f gfd / 7]ufgf,
-cf_ cGo sDkgL jf ;+ul7t ;+: yfdf :jfldTj jf s'g } ;+nUgtf /x]sf] eP tT;DaGwL ljj/0f .

18
 cg '; "r L—^
-lgod # sf] pklgod -@_ sf] v08 -ª_ ;+u ;DalGwt_

s]G b|L o l g If]k sDkg Lsf] l jl g o dfjnLdf ;dfj]z x'g 'k g ]{ Go "g td s'/ fx¿

-s_ s]Gb|Lo lgIf]k sDkgLdf lwtf]kq lgIf]k ug]{ ;DaGwdf,-

!= s]Gb|Lo lgIf]kdf lwtf]kq lgIf]k ug{ rfxg] ;+ul7t ;+: yfn] lbg'kg]{ lgj]bg tyf k]z ug'{ kg]{
ljj/0f tyf sfuhft;DaGwL,
@= s]Gb|Lo lgIf]k sDkgLsf] ;]jf lng rfxg]n] kfngf ug'{kg]{ zt{;DaGwL,
#= lwtf]kqsf] k|df0fkqljlxg ug]{ (dematerialize) tyf k|df0fkqljlxg cj:yfaf6 kl/jt{g u/L
k|df0fkq k|bfg ug]{ (rematerialize) / ljB'tLo clen]v /fvL vftf (demat account) ;~rfng
ug]{ ;DaGwL,
$= s]Gb|Lo lgIf]kdf btf{ ePsf lwtf]kq clen]v /fVg] Joj:yf;DaGwL,
%= ljB'tLo vftfdf /x]sf] lwtf]kqx¿ lwtf] /fVg] jf km's'jf ug]{ k|s[o f;DaGwL .

-v_ s]Gb|Lo lgIf]k sDkgLsf] ;b:otf;DaGwdf,-

!= ;b:otf k|bfg tyf gjLs/0f;DaGwL Joj:yf,
@= lgIf]k ;b:on] tof/ ug'{kg]{ k"jf{wf/ Joj:yf,
#= lgIf]k ;b:osf] cg'udg tyf lg/LIf0f;DaGwL Joj:yf,
$= lgIf]k ;b:osf] k|fljlws tyf sfo{ bIftf kl/If0f;DaGwL Joj:yf,
%= s'g } clgoldt sfo{ u/]df jf P]g / ;f]cGtu{tsf] lgod tyf ljlgodn] u/]sf] Joj:yfsf] kfngf
gu/]df lgIf]k ;b:osf] lgnDag jf vf/]hL jf cGo sf/jfxL;DaGwL k|s[o f / Joj:yf,
^= lgIf]k ;b:osf] of]Uotf tyf cof]Uotf;DaGwL Joj:yf .

-u_ lxtu|fxL vftfsf] ;DaGwdf,-

!= lxtu|fxLn] ljB'tLo vftf vf]Ng lgIf]k ;b:o ;dIf lbg'kg]{ lgj]bg, ljj/0f tyf sfuhft;DaGwL
Joj:yf,
@= lxtu|fxLsf] ;DaGwdf lgIf]k ;b:on] u|fxssf] ;DaGwdf /fVg'kg]{ ljj/0f;DaGwL Joj:yf,
#= lgIf]k ;b:on] lxtu|fxL vftf vf]Ng], /f]Ssf /fVg] tyf aGb ug]{ k|s[o f;DaGwL Joj:yf,
$= lgIf]k ;b:on] lxtu|fxL;Fu vftf vf]l nlbg' cl3 ug]{ ;Demf}tfdf v'nfpg'kg]{ ljj/0fx¿;DaGwL
Joj:yf,
%= ljB'tLo ¿kdf /flvPsf lwtf]kqx¿sf] sf/f]jf/ ;+rfng;DaGwL Joj:yf,
^= lwtf]kqx¿sf] lwtf]jGws /fVg];DaGwL Joj:yf,
&= ljB'tLo ¿kdf /flvPsf lwtf]kqx¿sf] :jfldTj x:tfGt/0f;DaGwL Joj:yf,
*= lwtf]kq ;"rgfdf ljB'tLo kx'r /fVg];DaGwL Joj:yf,
(= lxtu|fxLsf] vftf;DaGwL u'g f;f ;dfwfg;DaGwL Joj:yf,
!)= lgIf]k ;b:on] lxtu|fxLsf] ;DaGwdf /fVg'kg]{ kmf]6f];lxtsf] kl/rofTds ljj/0fsf] 9fFrf .

19
 cg '; "r L—&
-lgod & sf] pklgod -@_ ;+u ;DalGwt_

g]kfn lwtf]kq af]8{

sf7df08f} .

l wtf]k qsf] s]G b|L o l g If]k ;]j f ;+r fng cg 'd l tkq

=============================df d'Vo sfof{no /x]sf] >L=====================================nfO{ lwtf]kq ;DaGwL P]g , @)^#

tyf ;f]cGtu{t ag]sf lgod, lalgod tyf cGo k|rlnt sfg'g sf] clwgdf /xL s]Gb|Lo lgIf]k ;]jf ;+rfng ug{
of] cg'dltkq k|bfg ul/Psf] 5 .

qm= ;+ gjLs/0f ldlt axfn /xg] ldlt gjLs/0f ug]{ clwsf/Lsf] ;lx

of] cg'dltkqsf] axfnL k|To]s cfly{s jif{sf] cGt ;Dd sfod /xg]5 / tt\kZrft k|To]s jif{ gjLs/0f
u/fpg' kg{] 5 .

cflwsfl/s b:tvt M
gfdM
kbM
ldltM

20
 cg '; "r L— *
-lgod * ;+u ;DalGwt_

cg 'd l tkq g jLs/0fsf] nfl u l bg ] l g j]b g sf] 9fFr f

ldlt M
>L g]kfn lwtf]kq af]8{
============================ .

laifoM cg'dltkq gjLs/0f u/L kfpF .

lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf ;+rfng ug{ txfFaf6 k|fKt cg'dltkq cjlw ldlt = = = = = = =
;Dd sfod /x]sf]n] cfly{s aif{ = = = = = = sf nflu gjLs/0f u/L kfpgsf nflu cg'dltkq tyf
tf]l sPsf] aflif{s z'Ns o;} ;fy ;+nUg u/L k]z u/]sf] 5' .

cflwsfl/s b:tvt M
gfd M
kb M
;+ul7t ;+: yfsf] 5fkM

21
 cg '; "r L— (
-lgod @! sf] pklgod -@_ ;+u ;DalGwt_

l g If]k ;b: o n] btf{ k|d f0fkq k|f Kt ug { l bg ] l g j]b g sf] 9fFr f

ldltM================
>L g]kfn lwtf]kq af]8{
=============.

ljifoM lgIf]k ;b:osf] btf{ k|df0fkq kfpF .

lwtf]kq ;DaGwL P]g , @)^# / ;f] cGtu{t ag]sf] lgod, ljlgod, Joj:yf tyf cGo k|rlnt sfg'g sf] clwgdf
/xL lgIf]k ;b:osf] ¿kdf sfo{ ug{ OR5f ePsf]n] tf]l sPsf] ljj/0f tyf sfuhft ;+nUg u/L lgj]bg
z'Ns;lxt of] lgj]bg k]z u/]sf 5f} .

o; lgj]bg;fy ;+nUg ljj/0f tyf sfuhft ;To tYo 5g\ / s'g } klg ljj/0f hfgLhfgL n'sfPsf] jf
a9fOr9fO{ k|: t't u/]sf] 5}g . ;DalGwt tYo n'sfPsf] jf unt ljj/0f k]z u/]sf] 7x/]df sfg'g adf]l hd ;xF'nf
a'emfpFnf .

sfo{sf/L k|d'v tyf ;+rfnsx¿M

gfd M b:tvtM
!=
@=
#=
$=
%=
^=
&=

lgj]bs ;+ul7t ;+: yfM

gfd M ==========================
7]ufgfM ==================c+rn==================lhNnf =================== uf=lj=;=÷g=kf=÷d= g= kf=
6f]n======================j8f g+========Ans g+============== kmf]g g+M================ km\o fS;M============
Od]n =================

22
 cg '; "r L—!)
-lgod @! sf] pklgod -$_ ;+u ;DalGwt_

g]kfn lwtf]kq af]8{

sf7df8f}+ .

l g If]k ;b: o btf{ k|d f0fkq

btf{ k|df0fkq g+=

=============================df d'Vo sfof{no /x]sf] >L=====================================nfO{ lwtf]kq;DaGwL P]g tyf

;f]cGtu{t ag]sf lgod, ljlgod tyf cGo k|rlnt sfg'g sf] clwgdf /xL lgIf]k ;b:osf] ¿kdf btf{ u/L of]
k|df0fkq k|bfg ul/Psf] 5 .

of] k|df0fkqsf] axfnL ===================;Dd /xg]5 . t/ k|df0fkq gjLs/0f ePdf gjLs/0f ul/Psf] ldlt;Dd
sfod /xg] 5 .

cflwsfl/s b:tvt M
gfdM
kbM
ldltM

23
 cg '; "r L—!!
-lgod @@ pklgod -#_ ;+u ;DalGwt_

btf{ k|d f0fkq g jLs/0fsf] nfl u l bg ] l g j]b g sf] 9fFr f

ldlt M
>L g]kfn lwtf]kq af]8{
============================ .

laifoM btf{ k|df0fkq gjLs/0f u/L kfpF .

To; af]8{af6 k|fKt lgIf]k ;b:o btf{ k|df0fkq ldlt = = = = = = = = ;Dd dfq jxfn /x]sf]
x'Fbf ;f] k|df0fkq cfly{s aif{ = = = = = = sf nflu gjLs/0fsf ul/lbg' x'g btf{ k|df0fkq tyf tf]l sP
adf]l hdsf] gjLs/0f z'Ns o;} ;fy ;+nUg u/L of] lgj]bg k]z u/]sf] 5' .

sDkgLsf] 5fkM cflwsfl/s b:tvt M

gfd M
kb M

24
 cg '; "r L— !@
-lgod @! sf] pklgod -@_ / -%_ tyf lgod @@ sf] pklgod -#_ ;+u ;DalGwt_

l g If]k ;b: o btf{s f nfl u b: t'/ tyf z'N s

!= lgIf]k ;b:osf] btf{ k|df0fkq;DaGwL b:t'/

s= lgj]bg z'Ns ?= %,))).—
v= btf{ k|df0fkq b:t'/ ?= %),))).—
u= aflif{s z'Ns ?= @%,))).—

@= s]Gb|Lo lgIf]k sDkgLaf6 lgIf]k ;b:otf lng a'emfpg'kg]{ b:t'/

s= ;b:otf b:t'/ ?= %),))).–
v= ;b:otf gjLs/0f b:t'/ ?= @%,))).—

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