udkj iïm;a l,ukdlrKh

wjidk úNd.h
l,ukdlrK mßirh
whÿïlrejka i|yd Wmfoia
(1) ld,h meh 2 ls
(2) fuu m%Yak m;%h fldgia ;=klska ^3& iukaú; jk w;r

 m,uq fldgfia ish¿u m%Yakj,g ms,; s =re iemhsh hq;=h

 fojk fldgfia ´kEu m%Yak ;=klg ^3& ms,; s =re iemhsh hq;=h
 ;=kajk fldgiska tla m%Yakhlg ^1& ms,s;=re iemhsh hq;=h
(3) jevigyka we;=,;a l< fkdyels .Kl hka;% Ndú; lsÍug bvfokq ,nhs
(4) úNd. ld,h ;=,§ cx.u ÿrl:k Ndú;h bvfokq fkd,efí tfia lsÍu Tnf.a
m%;sM, ;ykï lsÍug fya;=jla jkq we;
ku : .…………………………………………………………………………………………………
YdLdj ………………………………………………………………………………………………….

 m,uq fldgi - ish¿u m%Yakj,g ms,s;=re iemhsh hq;=h

tla m%Yakhlg ,l=Kq fol ^2& ne.ska fuu fldgig ,l=Kq 40 la ysñ fõ ^2x10 = 20&
(1) Y%S ,xldfõ by,u kS;s uQ,dY%h f,i i,lkq ,nkafka
1 fYa%IG
a dêlrKh 2 jdksc uydêlrK
3 wdKavl q %u jHjia:dj 4 kvq ;Skaÿ

(2) iDcq noaola hkafkys w¾:h jvd;au ksjerÈj m%ldYjk ms<;

s =r f;darkak
1 fjk;a wfhl= úiska f.jk noaols 2 fkdf.ùuo l<yels noaols
3 nÿ nr ú;ekal< yels noaols 4 mdßfNda.slhka úiska f.úhhq;= noaols
(3) Y%S ,xldfõ m%d:ñl wjia:d wmrdO wêlrK n,h we;af;a
1 ufyaia;%d;a wêlrKhg 2 Èid wêlrKhg
3 wNshdpkdêlrKhg 4 fYa%IaGdêlrKhg
(4) w¾:idOl wruqo,a mk;ska wdjrKhjk fiajl j¾.h jkafka
1 fldka;%d;a moku u; fiajlhska 2 ia:r
s yd ia:sr fkdjk fiajlhska
3 ffoksl moku u; fõ;k Wmhkakka 4 by; ish,a,u
(5) f;aij,dfï kS;sh hkq
 1 mqo.
a ,sl kS;shls 2 fmdÿ kS;shls
3 cd;Hka;r kS;shls 4 by; lsisjla fkdfõ
(6) my; tajd w;ßka kS;s uQ,dY% jkafka
1 mqo.
a ,hka w;r we;sjk .súiqï 2 wdKavl
q %u jHjia:dj
3 cd;Hka;r tlÕ;d 4 by; lsisjla fkdfõ
(7) Y%S ,xldfõ kS;s moaO;sh iïnkaOfhka ksjerÈ m%ldYh jkafka
1 Y%S ,xldfõ fmdÿ kS;shla fkdue; 2 iu: uKav,h hkq wêlrK úksYaph l%uhls
3 wNshdpkdêlrKh hkq m%d:ñl Widúhls 4 kvq ;Skaÿ kS;s uQ,dY%hla fkdfõ
(8) Wmhk úg f.ùï noao hkq
1 fiajd kshqla;a;sh i|yd f.úh hq;= noaols 2 fiajd fhdaclhka f.úh hq;= noaol
a s
3 fiajd kshqla;s wdodhï u; f.úh hq;= noaols 4 úfYaI fiajd kshqla;s noaols
(9) ,dNdxY u; r|jd .ekSfï noao ms<U
s | ksjerÈ m%ldYh f;darkak
1 th ,dNdxY ysñhd úiska rchg f.jkq ,nk noaols
2 iud.ï th ish wdodhfï fldgila f,ig i,lkq ,nhs
3 ,dNdxY u; tu ,dNxY ysñhd f.úh hq;= wjidk noao f,i fuh ie,fla
4 th ish¿ ,dNdxY i|yd f.úh hq;= iuia: noaohs
(10) wdodhï nÿ kS;shg wkqj orejd ks¾jpkh lrkak

fojk fldgi - ´kEu m%Yak ;=klg ^3& ms,s;=re iemhsh hq;=h

1. trx. 2009$07$28 jk uQ,H iud.ul fiajhg meñKs w;r ta jk úg Tyqf.a jegqm
re¡9500 ls¡ 2017$11$27 jk úg fm!oa.,sl wjYH;djhla u; fiajfhka bj;a úh¡ ta jk úg
Tyqf.a uQ,l s jegqm re¡14000 ls¡ thg wu;rj wh jeh oSukdj re¡1500 la o m%jdyk oSukdj
re¡2000 la o ysñfõ¡ wh jeh oSukdj cSjkdOdr oSukdjls¡

tu ui w;sld, meh 22¡25 la fiajh lr we;s w;r mehlg f.jkqfha 1954 wxl 19
orK idmamq iy ld¾Hd, mk;g wkjq fõ' wkqu; jd¾Isl kjsdvq osk 03 la b;srj
s ;snqKs'
b;sßjQ ksjdvq fjkqfjka idudkH ffokls mäh fuka fo.=Khla f.ùug iud.u ;SrKh lr
we;' ;jo udi 06 lg wvq jk mrsos re'20000 fijal Khla 2017$06$27 ,ndf.k we;'

¸' ish¿ fmr jev fmkajñka jegqma m;%sldjla weirska Y=oO

a jegqm .Kkh lrkak',l=Kq 5
¸¸' fiajdodhl $ fiajdfhdacl EPF odhl;ajh .Kkh lrkak' ,l=Kq 5
iii. fiajdodhl $ fiajdfhdacl EPF odhl;ajh .Kkhg wod,jk mk;a l=ulao@ ,l=Kq 2

¸¸¸' ETF odhl;ajh yd wod, mk; u.ska wdjrkh fkdjk fijalhska ljqrekao@ ,l=Kq 2
iv. trx. f.a mdrsf;daIs;h .Kkh lrkak' ,l=Kq 4
v. mdrsf;daIs;h .Kkhg wod, mk; yd imqrd,sh hq;= fldkafoais fmkajd fokak' ,l=Kq 2
 2. I' kS;sfha uQ,dY% fmkajd oS furg wdKavl
q %u jHjia:dj kS;s uQ,dY%hla f,i jeo.;a jkafka
ukaoehs iúia;rd;aulj meyeÈ,s lrkak' ,l=Kq 5
II' kS;s moaO;sfha mj;sk kS;ska ms<n
s | flá meyeÈ,s lsßula lrkak' ,l=Kq 5
III' wmrdO kS;sh yd isú,a kS;sh ms<n
s | iúia;rd;aul j meyeÈ,s lrkak' ,l=Kq 5
IV' wêlrK moaO;sh fmkajd § wNshdpkd wxYfha by<u wêlrKh ms<n
s | meyeÈ,s lrkak'
,l=Kq 5

3. I' idmamq yd ld¾hd, fiajl mk;g wkqj jegqfmka l< yels wvq lsÍï fudkjdo@ wvq l<
yels Wmßu jákdlu fmkajd fokak' ,l=Kq 2
II. EPF/ ETF odhl;ajh bj;a l< yels wjia:d" wdjrKh jk$fkdjk fiajlhska fmkajd
fokak' ,l=Kq 2
III. iukau,S iy ksud,s ld¾hd,hl fiajh lrhs' iukau,S m%:u orejd iy ksud,s f;jk
orejd m%iq; lsÍug n,dfmdfrd;a;=fõ' Tjqkg
a ysñ úh hq;= ksjdvq meyeÈ,s lr" wod<
mk; fmkajd fokak' ,l=Kq 6
IV. jika; 2010$11$29 rn¾ l¾udka;Yd,djl fiajhg ne¢ we;' 2018 Tlaf;daïn¾ ui jk
úg Tyqf.a ffoksl uq,l
s jegqm re' 600 ls' fuhg wu;rj w;sld, §ukd yer §ukd j,
1
tl;=j re'5500ls' ^fuhska 1000 la meñKsfï §ukdj wvq l< miq b;sß §ukdj,ska la
3
whjeh §ukdj fõ'& w;sld, meh 37'25 fiajh lr we;' Tlaf;daïn¾ ui Èk 2'5 la
ksjdvq ,nd .;a; o tu ui wkqu; ù we;af;a Èk 1'5 ls' 2017 foieïn¾ ui udi 12 lg
wvq jk mßÈ 18% jd¾Isl fmd<shg re' 20000 fiajl Khla ,nd f.k we;' "
 Tlaf;da¾n¾ ui jegqma f,aLKh ks¾udKh lrkak' ,l=Kq 4
 EPF/ ETF fm%aIKh lr we;af;a 2018$12$29 kï Tnf.a woyia meyeÈ,s
lrkak' ,l=Kq 2
 Tlaf;daïn¾ iu. 31 Èk mdßf;daIs;h b,a,d we;akï ffoksl jegqma
ixl,amh u; .Kkh lrkak' ,l=Kq 4

4. 26 yeúßÈ wújdyl ldka;djlajQ ihqÍ Y%S ,xldfõ m%uqL fmf,a uQ,H iud.ul
.KldêldÍjßh f,i fiajh lrhs. weh 2014 jif¾§ Bg iïnkaO úh
1. idmamq yd ld¾hd, fiajl mk;g wkqj wehf.a fõ;kfhka wvql< yels wkqu; wvqlsÍï
y;rla 04 i|yka lrkak ,l=Kq 5
2. weh wikSmù Èk folla 02 f.or kj;Skï wehf.a ksjdvq ysñlï myod fokak ,l=Kq 5
3. wehg újdy ux., W;aijh i|yd Èk oyhl ksjdvqjla wjYHjQ úg wehf.a ksjdvq
ysñlï myod fokak ,l=Kq 5
4. weh ish m%:u orejd m%iQ;%l< úg§ wehf.a ksjdvq ysñlï myod fokak ,l=Kq 5
 ;=kajk fldgi - tla m%Yakhlg ^1& ms,s;=re iemhsh hq;=h
(1) trx. uy;d 2017$18 ;lafiare j¾Ih i|yd ,o wodhï úia;r my; fõ
mqo.
a ,sl wdh;khl úOdhl ks,Odßfhl= jk fu;=ud jir ;=,§ bka ,o m%;s,dN fufiah
udisl jegqm re 90"000 jd¾Isl m%ido §ukd re 300"000
jd¾Isl Èß §ukd re 40"000
Tyqg wdh;kh jegqma f.ùfï§ w¾:idOl i|yd 8] iy udisl Kh jdßl re 1"850
lao Wmhk úg f.ùï nÿ re 2000 o udislj wvqlr we;" jir ;=,§ isx.mamr
Q e ixpdrhla
i|yd .=jka álÜm;a yd ixpdrl úhoï f,i wdh;kh Tyqg re 150"000 ,nd§ we;
Tyqg l=reKE.," uykqjr" lE.,a, hk k.rj, ksjdi ;=kla whs;sj we;s w;r tajdfha úia;r
my; fõ
l=reKE., ksji - jd¾Ysl jákdlu re 200"000 jk fuu ksji whs;slre mÈxÑh i|yd
;ndf.k isákakls
uykqjr ksji - jd¾Ysl jákdlu re 150"000 jk fuu ksji uilg re 15"000 ne.ska l=,shg §
we;" jßmkï m%;sY;h 5] jk fuu ksjfia jßmkï iy ish¿ w¿;ajeähd iy kv;a;= úhoï
whs;slre orKq ,nhs
lE.,a, ksji - jd¾Isl jákdlu re 100"000 jk fuu ksji ta uy;d mÈxÑj isák ksjihs
my; ,dNdxY iy fmd,S wdodhï Tyqg jif¾§ ,eî we;
ikaYhska .dukaÜ wdh;kfha ,dNdxY re 27"000 ^YqoaO &
hqk,
s j
S ¾ia wdh;kfha ,dNdxY re 180"000 ^o< &
,xld nexl=fõ b;=reï ;ekam;=fjka ,o fmd,sh re 20"000 ^o< &
iïm;a nexl=fõ ia:djr ;ekam;=fjka ,o fmd,sh re 63"000 ^YqoO
a &
j¾Ih ;=,§ Tyq úiska lrk ,o f.ùï iuyrla my; fõ
wms fjkqfjka wms wruqo,g mß;Hd.h re 25"000 ^iqÿiqlï,;a f.ùuls &
.fï mkai,g mß;Hd.h re 10"000 fl%äÜ ldâ Kh fmd,S re 5"000
ksjdi Kh fmd,S re 15"000 f.jQ ìï l=,S re 12"000
jifr§ Tyqg f,d;/hs ;Hd. folla ,enqKq w;r tla ;Hd.hl ;E.s uqo, re 18"00"000 o
wfkla ;E.s uqo, re 50"000 o úh Tn úiska
1 wdodhï m%Nj jYfhka j¾. lrñka .Kkh lrkak
2 uq¿ jHjia:dms; wdodhu .Kkh lrkak
3 ;lafiare l<yels wdodhu .Kkh lrkak
4 noaog hg;a wdodhu .Kkh lrkak ^jdisl mqo.
a , §ukdj re 500"000la f,i i,lkak
5 my; nÿ m%;sY;hka wod,lr .ksñka f.úh hq;= YqoO
a nÿ j.lSu fidhkak
m,uq re 400"000 i|yd 4] B,Õ re 400"000 i|yd 8] B,Õ re 400"000 i|yd 12]
B,Õ re 400"000 i|yd 16] B,Õ re 800"000 i|yd 20] b;sßh i|yd 24] (,l=Kq 4 x 5 = 20)