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 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
qm=;+= ljBdfg lgb]{zg ;+zf]lwt÷yk lgb]{zg
1. O=k|f=lgb]{zg g+= != sfod ug'{ kg]{ Go"gtd k"FhLsf]if != sfod ug'{ kg]{ Go"gtd k"FhLsf]if
! sf] a'Fbf g+=
!df ;+zf]wg . Ohfhtkqk|fKt ;+:Yffn] b]xfoadf]lhdsf] Joj:yfg';f/ Go"gtd Ohfhtkqk|fKt ;+:Yffn] b]xfoadf]lhdsf] Joj:yfg';f/ Go"gtd k"FhLsf]if
k"FhLsf]if cg'kft sfod ug'{ kg]5
{ . cg'kft sfod ug'{ kg]{5 .
Go"gtd k|fylds k'FhL tyf k'FhLsf]if Go"gtd k|fylds k'FhL tyf k'FhLsf]if
;+:yf ;+:yf
sfod ug'{ kg]{ Joj:yf sfod ug'{ kg]{ Joj:yf
æsÆ ju{ Capital Adequacy Framework, 2015 adf]lhd æsÆ ju{ Capital Adequacy Framework, 2015 adf]lhd

ævÆ* / æuÆ Capital Adequacy Framework, 2007 (Updated July ævÆ* / æuÆ ju{ Capital Adequacy Framework, 2007 (Updated July 2008)

ju{ 2008) adf]lhd** adf]lhd**

* cfly{s jif{ @)&&÷&* b]lv /fli6«o:t/sf ljsf; a}+sx?n]
;dfgfGt/ ?kdf Capital Adequacy Framework, 2015 adf]lhd
Go"gtd k'FhLsf]if cg'kft sfod ug'{ kg]{5 .
** jfl0fHo a}+sx?n] Capital Adequacy Framework 2015 df Joj:yf
ePadf]lhdsf] Countercyclical Buffer sfod ug'{ kg]{ Joj:yfnfO{
cf=j= @)&&÷&* ;Ddsf] nflu :yug ul/Psf] 5 .
* cfly{s jif{ @)&&÷&* b]lv /fli6«o :t/sf ljsf; a}+sx?n] ;dfgfGt/
?kdf Capital Adequacy Framework, 2015 adf]lhd Go"gtd k"FhLsf]if
cg'kft sfod ug'{ kg]{5 .
** jfl0fHo a}+sx?n] Capital Adequacy Framework 2015 df Joj:yf
ePadf]lhdsf] Countercyclical Buffer sfod ug'{ kg]{ Joj:yfnfO{ cf=j=
@)&*÷&( ;Ddsf] nflu :yug ul/Psf] 5 .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
2. O=k|f=lgb]{zg g+=-O{_ ;fFjf / Aofh lgoldt ?kdf e'QmfgL ePtfklg nuftf/ b'O{ -O{_ ;fFjf / Aofh lgoldt ?kdf e'QmfgL ePtfklg nuftf/ tLg jif{b]lv
@ sf] a'Fbf ! jif{b]lv v'b gf]S;fgLdf /x]sf] jf g]6jy{ C0ffTds ePsf kmd{, v'b gf]S;fgLdf /x]sf jf g]6jy{ C0ffTds ePsf kmd{, sDkgL jf
sf] pka'Fbf -s_
sf] v08 -@_
sDkgL jf ;+:yfnfO{ k|jflxt shf{ . ;+:yfnfO{ k|jflxt shf{ .
sf] pkv08 - t/, t/,
O{_ df ;+zf]wg -s_ lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{ k|bfg ul/Psf -s_ lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{ k|bfg ul/Psf shf{sf]
. shf{sf] xsdf kl/of]hgfn] Jofj;flos pTkfbg z''? u/] xsdf kl/of]hgfn] Jofj;flos pTkfbg z''? u/] kZrft # k"0f{
kZrft @ k"0f{ cfl{y{s jif{sf] ljQLo ljj/0fsf] cfwf/df cfl{y{s jif{sf] ljQLo ljj/0fsf] cfwf/df dfq of] Joj:yf nfu"
dfq of] Joj:yf nfu" x'g]5 . x'g]5 .
-v_ tf]lsPsf If]qdf k|jfx ePsf] shf{sf] xsdf o:tf] -v_ x6fOPsf]
cjlwnfO{ # jif{ sfod ul/Psf] 5 .

3. O=k|f=lgb]{zg g+= -p_ ?= ! ca{ jf ;f] eGbf a9L /sdsf ;x–ljQLos/0f shf{df -p_ ?= @ ca{ jf ;f] eGbf a9L /sdsf ;x–ljQLos/0f shf{df kl/0ft
@ sf] a'Fbf ! kl/0ft gePsf ax'a}+lsË shf{ . gePsf ax'a}+lsË shf{ .
sf] pka'Fbf -s_
sf] v08 -@_
sf] pkv08 -
p_ df ;+zf]wg
.
4. O=k|f=lgb]{zg t/, a'emfpg'kg]{ Aofhsf] !) k|ltzt /sd a'emfpg g;s]sf] sf/0fn] t/,
g+= @ df a'Fbf @)&& k'; d;fGt;Dd shf{ k'g/;+/rgf÷k'g/tflnlss/0f ug{ -s_ a'emfpg'kg]{ Aofhsf] !) k|ltzt /sd a'emfpg g;s]sf] sf/0fn] @)&&
* sf] pk a'Fbf c;dy{ C0fLx?af6 dfly plNnlvt zt{x?sf] clwgdf /lx a'emfpg' k'; d;fGt;Dd shf{ k'g/;+/rgf÷ k'g/tflnsLs/0f ug{ c;dy{ C0fLx?af6
@ sf] kg]{ Aofhsf] % k|ltzt /sd c;"n pk/ u/L @)&* c;f/ dfly plNnlvt zt{x?sf] cwLgdf /xL a'emfpg' kg]{ Aofhsf] % k|ltzt /sd
k|ltjGwfTd c;"n pk/ u/L @)&* c;f/ d;fGtleq shf{sf]
jfSof+zdf d;fGtleq shf{sf] k'g/;+/rgf÷k'g/tflnsLs/0f ug{ pko'{Qm k'g/;+/rgf÷k'g/tflnsLs/0f ug{ ;lsg] 5 .
;+zf]wg . Joj:yfn] afwf k'u]sf] dflgg] 5}g . -v_ a'Fbf -s_ adf]lhd @)&* c;f/ d;fGtleq k'g/;+/rgf÷
k'g/tflnsLs/0f ug{ c;dy{ sf]le8–!( af6 clt k|efljt ko{6g, rnlrq,
kf6L{ Kofn];, ;fj{hlgs oftfoft tyf lzIff If]qsf C0fLx?af6 dfly
plNnlvt zt{x?sf] clwgdf /lx a'emfpg' kg]{ Aofhsf] % k|ltzt /sd c;"n
pk/ u/L @)&* k'; d;fGtleq shf{sf] k'g/;+/rgf÷k'g/tflnsLs/0f ug{
;lsg] 5 .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
5. O=k|f=lgb]{zg gePsf] .
g+= @ df a'Fbf -3_ k|fljlws tyf Jofj;flos tfnLd k|bfg ug]{ ;+:yfnfO{ k|jfx x'g] ? @%
( sf] pk a'Fbf nfv ;Ddsf] shf{ .
^ sf] pka'Fbf
3 yk u/L
qmd;+Vof
ldnfg .
6. ^. -p_ sf]le8–!( jf6 k|efljt ljleGg k]zfdf ;+nUg k]zfut Joj;foLx?nfO{
O=k|f=lgb]{zg k|bfg ul/g] shf{ .
g+= @ df a'Fbf
( sf] pk a'Fbf
^ sf] pka'Fbf
3 df p yk
u/L qmd;+Vof
ldnfg .
7. O=k|f=lgb]{zg -*_ sf]le8–!( af6 clt k|efljt ;fj{hlgs oftfoft Joj;foLnfO{ ;jf/L
g+= @ df a'Fbf ;fwg ;+Rffng tyf dd{t ;Def/sf] nflu a}+s tyf ljQLo ;+:yfn] k|lt
#$ df pka'Fbf ;jf/L ;fwg ? @ nfv;DDf yk shf{ k|bfg ug{ ;Sg] 5g\ . o:tf] yk shf{sf
* yk . nflu Debt to Equity Ratio / Psn u|fxs shf{ ;Ldf sfod ug{ @)&(
c;f/ d;fGt;Dd clgjfo{ x'g] 5}g .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
8. O= k|f=lgb]{zg #%=?= ! ca{ jf ;f] eGbf a9L /sdsf] ax'–a}+lsË shf{ pkef]u #%= ?= @ ca{ jf ;f]eGbf a9L /sdsf] ax'–a}+lsË shf{ pkef]u ug]{÷ul//x]sf
g+= @ sf] a'Fbf ug]{÷ul//x]sf C0fLx?sf] shf{ ;xljQLos/0f shf{df kl/0ft ug'{ C0fLx?sf] shf{ ;xljQLos/0f shf{df kl/0ft ug'{ kg]{5 . o; Joj:yf
#% df ;+zf]wg
.
kg]{5 . o; Joj:yf adf]lhd ;xljQLos/0f shf{df kl/0ft gePsf adf]lhd ;xljQLos/0f shf{df kl/0ft gePsf ax'a}+lsË shf{nfO{ ;"Id
ax'a}+lsË shf{nfO{ ;"Id lgu/fgL ju{df juL{s/0f u/L ;f]xL lgu/fgL ju{df juL{s/0f u/L ;f]xL adf]lhdsf] shf{ gf]S;fgL Joj:yf sfod
adf]lhdsf] shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 . t/, ljkGg ug'{ kg]5 { . t/, ljkGg ju{ shf{ cGtu{t n3'ljQ ljQLo ;+:yfx?nfO{ k|jfx
ju{ shf{ cGtu{t n3'ljQ ljQLo ;+:yfx?nfO{ k|jfx ug]{ shf{sf] ug]{ shf{sf] xsdf of] Joj:yf adf]lhd ;xljQLos/0f shf{df kl/0ft ug{
xsdf of] Joj:yf adf]lhd ;xljQLos/0f shf{df kl/0ft ug{ clgjfo{ x'g] 5}g . To;}u/L, xfo/kr]{h shf{ k|bfg ug]{ cg'dltk|fKt
clgjfo{ x'g] 5}g . To;}u/L, xfo/kr]{h shf{ k|bfg ug]{ cg'dltk|fKt ;+:yfnfO{ a}+s tyf ljQLo ;+:yfn] ;jf/L ;fwg, d]lzg/L h:tf l:y/ ;DklQ
;+:yfnfO{ a}+s tyf ljQLo ;+:yfn] ;jf/L ;fwg, d]lzg/L h:tf lwtf] lnO{ ;f]sf] vl/b d"Nosf] %) k|ltzt;Dd shf{ k|bfg u/L ;DklQsf]
l:y/ ;DklQ lwtf] lnO{ ;f]sf] vl/b d"Nosf] %) k|ltzt;Dd shf{ k"/f d"Nosf] aLdf u/]sf] cj:yfdf ;xljQLos/0f cfjZos kg]{ 5}g .
k|bfg u/L ;DklQsf] k"/f d"Nosf] aLdf u/]sf] cj:yfdf
;xljQLos/0f cfjZos kg]{ 5}g .
9. O=k|f= lgb]{zg -@_ Ohfhtkqk|fKt ;+:yfn] ?= !% nfv;Ddsf] s[lif, pBd, x:tsnf -@_ Ohfhtkqk|fKt ;+:yfn] ?= ! s/f]8 ;Ddsf] s[lif, x:tsnf tyf ;Lkd"ns
g+=@÷)&& sf] tyf ;Lkd'ns Joj;fo k|j4{g shf{ k|jfx ubf{ cfwf/ b/df @ Jofj;fo Pjd\ pBd Joj;fo -cfoft ;DaGwL Jofj;fo jfx]s_ ;~rfngsf
a'Fbf #^ sf] k|ltzt;Dddfq yk u/L C0fsf] Aofh tf]Sg' kg]{5 . o:tf] shf{ nflu shf{ k|jfx ubf{ cfwf/ b/df @ k|ltzt;Dddfq yk u/L C0fsf] Aofh
pka'Fbf -@_ df k|jfx ubf{ df]6/ af6f] gePsf] v]tLof]Uo hldgnfO{ klg a}+s tyf tf]Sg' kg]{5 . ? @) nfv ;Ddsf o:tf shf{ k|jfx ubf{ df]6/ af6f] gePsf]
;+zf]wg .
ljQLo ;+:yfn] lwtf]sf] ?kdf :jLsf/ ug{ ;Sg]5g\ . ;fy}, a}+s v]tLof]Uo hldgnfO{ klg a}+s tyf ljQLo ;+:yfn] lwtf]sf] ?kdf :jLsf/ ug{
tyf ljQLo ;+:yfsf k|To]s zfvfn] o;k|sf/sf] shf{ ;DaGwL ;Sg]5g\ / k|To]s zfvfn] o;k|sf/sf] shf{;DaGwL lgj]bg k|fKt ePsf] ;ft
lgj]bg k|fKt ePsf] ;ft sfo{ lbg leq :jLs[t ug'{kg]{ / :jLs[t sfo{ lbgleq :jLs[t ug'{kg]{ / :jLs[t x'g g;Sg] ePdf ;f]sf] :ki6 sf/0f
x'g g;Sg] ePdf ;f]sf] :ki6 sf/0f ;d]t pNn]v u/L ;DalGwt ;d]t pNn]v u/L ;DalGwt u|fxsnfO{ lnlvt ?kdf lbg'kg]{ 5 .
u|fxsnfO{ lnlvt?kdf lbg'kg]{ 5 .
10. O=k|f= lgb]{zg gePsf] . %= dxfdf/LhGo /f]usf] pkrf/sf] nflu g]kfn ;/sf/af6 dfGotf k|fKt vf]k
g+=@÷)&& sf] pTkfbg ug]{ pBf]u :yfkgf ug{] k|of]hgsf] nflu shf{ dfu ePdf a}+s tyf
a'Fbf #^ sf] ljQLo ;+:yfx?n] Jofj;foLs of]hgf d"Nof+sg u/L cfwf/ b/df shf{
pka'Fbf -%_ pknAw u/fpg' kg]{5 .
yk u/L
qmd;+Vof
ldnfg .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
11. O=k|f= lgb]{zg gePsf] . -^_ c:ktfn gePsf :yfgLotxdf !)) a]8;Ddsf] c:ktfn :yfkgf ug{
g+=@÷)&& sf] a}+s tyf ljQLo ;+:yfx?n] cfwf/b/df clwstd @ k|ltzt ljGb' ;Dd
a'Fbf #^ sf] lk|ldod yk u/L ?= @) s/f]8 ;Dd shf{ k|jfx ug{ ;Sg]5g\ .
pka'Fbf -^_
yk u/L
qmd;+Vof
ldnfg .
12. O=k|f=lgb]{zg gePsf] -`_ kmnkm"n, d;nf, hl8a'6L nufotsf bL3{sfnLg s[lif kl/of]hgfx? .
g+= @ df a'Fbf
#( df pka'Fbf
` yk .
13. O=k|f=lgb]{zg t/, t/,
g+= @ df a'Fbf
#( sf] -c_ lgdf{0ffwLg cfof]hgfdf k|jflxt shf{sf] u|]; cjlwdf kfs]sf] -c_ lgdf{0ffwLg cfof]hgfdf k|jflxt shf{sf] u|]; cjlwdf kfs]sf] Aofh
k|ltaGwfTds Aofh k'FhLs/0f ug{ o; a}+saf6 k"j{ :jLs[lt kfO;s]sf shf{sf] k'h F Ls/0f ug{ o; a}+saf6 k"j{ :jLs[lt kfO;s]sf shf{sf] xsdf @)&(
Joj:yfsf] xsdf @)&& k'; d;fGt;Dd k'FhLs/0f ug{ o; a}+ssf] :jLs[lt c;f/ d;fGt;Dd k'FhLs/0f ug{ o; a}+ssf] :jLs[lt cfjZos kg]{ 5}g .
a'Fbf c df cfjZos kg]{ 5}g .
;+zf]wg .
14. O=k|f=lgb]{zg xfn gePsf] -#_ sf]le8–!( af6 clt k|efljt If]qx? dWo] /]i6'/]06, kf6L{ Kofn];,
g+= @ df a'Fbf ;fj{hlgs oftfoft, lzIf0f ;+:yf / dgf]/~hg Joj;fo tyf gub k|afx
$! df pka'Fbf ca?4 ePsf n3', 3/]n', ;fgf tyf demf}nf Joj;foLnfO{ k/]sf] sf]le8–!(
# yk . sf] c;/ d"NofÍg u/L To:tf C0fLx?n] @)&* k'; d;fGt;Dd e'Qmfg
ug'{kg]{ ;fFjf tyf Aofh bfloTjnfO{ Ps jif{ ;Dd Dofb yk u/L sDtLdf rf/
ls:tfdf c;'nL ug]{ Joj:yf ldnfpg' kg]{5 . o:tf] AofhnfO{ k'FhLs/0f ug{
gkfOg] tyf k]gfn Aofh gnfUg] Joj:yf ldnfpg' kg]{5 .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
15. O=k|f=lgb]{zg xfn gePsf] -$_ sf]le8–!( af6 clt k|efljt If]qx? dWo] xf]6n, 6«fen, 6«]lsË / xjfO{
g+= @ df a'Fbf ;]jf h:tf afXo ko{6sdf lge{/ /xg'kg]{ Joj;foLnfO{ k/]sf] sf]le8–!( sf]
$! df pka'Fbf c;/ d"NofÍg u/L @)&( c;f/ d;fGt ;Dd kfSg] AofhnfO{ 5'6\6} lx;fa
$ yk . /fvL b'O{ jif{ ;Dddf sDtLdf rf/ ls:tfdf c;'nL ug]{ Joj:yf ldnfpg'
kg]{5 . o:tf] AofhnfO{ k'FhLs/0f ug{ gkfOg] / yk xhf{gf tyf k]gfn Aofh
gnfUg] Joj:yf ldnfpg' kg]{5 .

16. O=k|f=lgb]{zg xfn gePsf] -%_ sf]le8–!( sf] hf]lvd Go"gLs/0fsf nflu hf/L ePsf] lgif]wf1fnfO{
g+= @ df a'Fbf dWogh/ u/L C0fLx?n] @)&* c;f/;Dd e'QmfgL ug'{ kg]{ OPdcfO{÷OSo"cfO{
$! df pka'Fbf jf cGo ;fFjf Aofh lgif]wf1fsf] sf/0fn] e'QmfgL ug{ g;s]sf] cj:yfdf
% yk . C0fLsf] ljQLo l:ylt d"NofÍg u/L @)&* k'; d;fGt;Dd e'QmfgL Dofb yk
ug{ ;Sg]5g\ .
17. O=k|f=lgb]{zg g+= xfn gePsf] . $@= sf]le8–!( k|efljt Joj;fosf] Business model, jf business idea
@ df a'Fbf $@ kl/jt{g M
yk u/L Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfaf6 k|jfx ul/Psf shf{ dWo] sf]le8–
qmd;+Vof !( af6 k|efljt n3', 3/]n', ;fgf tyf demf}nf Joj;foLsf] shf{sf] xsdf
ldnfg . C0fLsf] kl/of]hgf jf Joj;fodf k/]sf] k|efj tyf ljQLo cj:yfsf] d"NofÍg
u/L C0fLsf] lnlvt Business Proposal sf] cfwf/df kl/of]hgfsf] k|s[lt,
p2]Zo, Business Model, jf Business Idea kl/jt{g u/L km/s 9+un]
Joj;fo ;~rfng ug{ rfx]df eljiodf pBf]u Joj;fo ;~rfngdf cfO{ C0f
r'Qmf x'g ;Sg]df a}s tyf ljQLo ;+:yf cfZj:t ePdf ;DalGwt C0fLsf]
cg'/f]wdf Ps k6ssf] nflu @)&* r}tleq Joj;fo kl/jt{g ug{ ;lsg]5 .
-s_ o; lsl;dsf] kl/jt{gnfO{ shf{sf] b'?kof]u, k'g/;+/rgf jf
k'g/tflnsLs/0f dflgg] 5}g .
-v_ o; lsl;dsf] kl/jt{gsf] qmddf Aofh k'FhLs/0f ug{ kfOg] 5}g .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
18. O=k|f=lgb]{zg $#= ls:tf /sd sd ug]{ ;DaGwdf M
g+= @ df a'Fbf a}+s tyf ljQLo ;+:yfx?n] shf{ k|jfx u/]sf C0fLx?dWo] sf]le8–!( sf]
$# yk u/L sf/0f ljQLo cj:yf tyf gub k|jfxdf gsf/fTds c;/ k/]sf C0fLx?nfO{
qmd;+Vof a}+s tyf ljQLo ;+:yf :jod\n] ljZn]if0f u/L ls:tf /sd 36fO{ e'QmfgL
ldnfg . cjlw yk ug{ ;Sg]5g\ . o; lsl;dsf] kl/jt{gnfO{ shf{sf] k'g/;+/rgf jf
k'g/tflnsLs/0f dflgg] 5}g .

19. O=k|f=lgb]{zg gePsf] . #=dflh{g k|s[ltsf] z]o/ lwtf] shf{sf] Psn u|fxs shf{ ;Ldf -Single
g+= # df a'Fbf Obligor Limit_ M
# yk ul/ dflh{g k|s[ltsf] z]o/ lwtf] shf{sf] Psn u|fxs shf{ ;Ldf -Single Obligor
qmd ;+Vof Limit_ Pp6f Ohfhtkq k|fKt ;+:yfaf6 clwstd ?= $ s/f]8 / ;a}
ldnfg . Ohfhtkq ;+:yfaf6 clwstd ?= !@ s/f]8 sfod ul/Psf] 5 .

of] lgb]{zg hf/L x'g' k"j{ -ldlt @)&*.)%.)*_ s'g} C0fLnfO{ ;LdfeGbf a9L
shf{ k|jfx ePsf] eP To:tf] shf{nfO{ qmlds ?kn] 36fpFb} nuL shf{sf]
e'QmfgL cjlw jf cfufdL Ps jif{ dWo] h'g klxn] x'G5 ;f] cjlw leq
lgoldt ul/;Sg' kg]{5 .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
20. O=k|f=lgb]{zg -^_ ;+:yfsf] t/ntf ;DaGwL hf]lvdnfO{ Go"gLs/0f ug]{ p2]Zon] ;|f]t
g+= % df a'Fbf kl/rfngdf :jb]zL d'b|fdf k|jfx ePsf] shf{ ;fk6sf] cg'kft
^ sf] pk (Credit to Core Capital and Domestic Deposits Ratio –
a'Fbf ^ df CCD Ratio) @)&* c;f/;Ddsf] nflu *% k|ltzt gf3\g gx'g]
;+zf]wg . u/L ;Ldf tf]lsPsf] 5 . t/, shf{÷;|f]t kl/rfng cg'kft -CCD
Ratio) u0fgf ubf{ cGt/a}+s lgIf]knfO{ ;|f]t kl/rfngdf ;dfj]z
ug{ kfOg] 5}g .
:ki6Ls/0fM
-s_ o; k|of]hgsf nflu æ;|f]t kl/rfngÆ eGgfn] :jb]zL d'b|fdf
lnPsf] lgIf]k, k|fylds k'FhL, :jb]zL d'b|fdf hf/L ul/Psf] C0fkq
/ ! jif{ jf ;f] eGbf a9L cjlwsf] ljb]zL d'b|fdf lnPsf] C0fnfO{
hgfpg]5 .
-v_ o; k|of]hgsf nflu æcGt/a}+s lgIf]kÆ eGgfn] s'g}
Ohfhtkqk|fKt ;+:yfn] csf]{ Ohfhtkqk|fKt ;+:yfnfO{ lbPsf]
shf{÷;fk6L /sd ;f]xL ;+:yfdf lgIf]ksf] ?kdf /flvPsf] /sdnfO{
hgfpg]5 .
-u_ o; Joj:yfcg';f/ ;|f]t kl/rfngdf :jb]zL d'b|fdf k|jfx ePsf]
shf{ ;fk6sf] cg'kft (Credit to Core Capital and Domestic
Deposits Ratio – CCD Ratio) pNn+3g x'g] cj:yf ePsf a}+s
tyf ljQLo ;+:yfx?n] qmlds ?kdf @)&& k'; d;fGtleq
tf]lsPsf] cg'kft sfod ul/;Sg' kg]{5 .
-^_ a}+s tyf ljQLo ;+:yfx?n] sfod ug'{ kg]{ shf{–lgIf]k cg'kft
(Credit-
Deposit Ratio - CD Ratio) sf] clwstd ;Ldf () k|ltzt tf]lsPsf]
5.
|k|i6Ls/0fM
-s_ o; k|of]hgsf] nflu k"FhL sf]if / k'FhL sf]ifsf] cËsf] ?kdf /x]sf C0fkq
jfx]ssf C0fkq, ! jif{ jf ;f]eGbf a9L cjlwsf] ljb]zL d'b|fdf lnPsf] C0f
tyf o; a}+saf6 k|bfg ul/Psf] k'g/shf{ /sdnfO{ lgIf]ksf] ?kdf u0fgf
ug{ ;lsg]5 . C0fkq k'FhLsf]ifsf] c+usf] ?kdf /xg] jf g/xg] ;DaGwdf
Ohfhtkq k|fKt ;+:yfn] C0fkq hf/L ubf{s} avt tf]Sg' kg]{5 . of] lgb]{zg
hf/L x'g'k"j{ hf/L ePsf C0fkqsf] xsdf Ohfhtkq k|fKt ;+:yfn] @)&(
c;f/ d;fGt ;Ddsf] nflu lgIf]ksf] ?kdf ;d]t u0fgf ug{ ;Sg]5g\ .
-v_ o; Joj:yfcg';f/ shf{–lgIf]k cg'kft (CD Ratio) tf]lsPeGbf a9L
ePdf a}+s tyf ljQLo ;+:yfx?n] qmlds ?kdf 36fO{ @)&( c;f/
d;fGtleq tf]lsPsf] cg'kft sfod ul/;Sg' kg]{5 .
-u_ shf{–lgIf]k cg'kft (CD Ratio) u0fgf ubf{ cGt/a}+s lgIf]knfO{ ;dfj]z
ug{ kfOg] 5}g . o; k|of]hgsf nflu æcGt/a}+s lgIf]kÆ eGgfn] s'g}
Ohfhtkqk|fKt ;+:yfn] csf]{ Ohfhtkqk|fKt ;+:yfnfO{ lbPsf] shf{÷;fk6L
/sd ;f]xL ;+:yfdf lgIf]ksf] ?kdf /flvPsf] /sdnfO{ hgfpg]5 .
Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
-&_ shf{–lgIf]k cg'kft (CD Ratio) sf] cg'udg tyf xhf{gf ;DaGwL
-&_ shf{÷;|f]t kl/rfng cg'kft (CCD Ratio) sf] cg'udg tyf Joj:yf M
xhf{gf ;DaGwL Joj:yf M -s_ shf{–lgIf]k cg'kft (CD Ratio) sf] cg'udg b}lgs ?kdf ul/g]5 .
-s_ shf{÷;|f]t kl/rfng cg'kft CCD Ratio sf] cg'udg b}lgs -v_ dfl;s cf};t cfwf/df To:tf] cg'kft gf3]df ;DalGwt ;'kl/j]If0f ljefu
?kdf ul/g]5 . dfk{mt xhf{gf nufOg]5 .
-v_ dfl;s cf};t cfwf/df To:tf] cg'kft gf3]df ;DalGwt -u_ k|To]s dlxgfsf] ! ut]b]lv d;fGt;Ddsf] k|To]s sfo{lbg -;fj{hlgs ljbf
;'kl/j]If0f ljefu dfk{mt xhf{gf nufOg]5 . jfx]s_ sf] cfwf/df dfl;s cf};t cg'kft lgwf{/0f ul/g]5 .
-u_ k|To]s dlxgfsf] ! ut]b]lv d;fGt;Ddsf] k|To]s sfo{lbg - -3_ tf]lsPsf] ;Ldf gf3]sf] xsdf g]kfn /fi6« a}+s P]g, @)%* sf] bkmf ((
;fj{hlgs ljbf jfx]s_ sf] cfwf/df dfl;s cf};t cg'kft lgwf{/0f cg';f/ xhf{gf nufOg]5 . o;/L xhf{gf nufpbf xhf{gf /sd lgDgfg';f/
ul/g]5 . lgwf{/0f ul/g]5 .
-3_ tf]lsPsf] ;Ldf gf3]sf] xsdf g]kfn /fi6« a}+s P]g, @)%* sf] -k|To]s dlxgfsf] dfl;s cf};t shf{ aSof}tf /sd — () k|ltztn] sfod x'g]
bkmf (( cg';f/ xhf{gf nufOg]5 . o;/L xhf{gf nufpbf xhf{gf dfl;s cf};t /sd_ x a}+s b/
/sd lgDgfg';f/ lgwf{/0f ul/g]5 .
!)) X !@
-k|To]s dlxgfsf] dfl;s cf};t shf{ aSof}tf /sd — *) k|ltztn]
sfod x'g] dfl;s cf};t /sd_ x a}+s b/
!)) X !@
:ki6Ls/0f M
o; Joj:yfsf] k|of]hgsf] nflu CCD Ratio u0fgf ubf{ k|fylds
k'FhLsf] xsdf cl3Nnf] qodf;df sfod ePsf] k|fylds k'FhLnfO{
Pjd\ shf{ tyf ;fk6 / :jb]zL lgIf]ksf] xsdf ;f]xL lbgsf]
/sdnfO{ lng' kg]{5 . t/, qodf; ;dfKt ePkl5 xsk|b ;]o/ Pjd\
FPO sf] jfF8kmfF8 eO{ ;f] jfktsf] k};f k|fKt eO{ k'FhL j[l4 x'g uPdf
k|fylds k'FhL u0fgf k|of]hgsf] nflu ;f] ;d]t ;dfj]z ug{ ;lsg]
5.
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
21. O=k|f=lgb]{zg o; a}+sdf sfof{Gjogsf] r/0fdf /x]sf] ;'kl/j]IfsLo ;"rgf k|0ffnL o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] o; a}+sdf k]z
g+= (÷)&& (Supervisory Information System -SIS) sf] o'h/ cfOl8 k|fKt ug'{kg]{ tYofÍ tyf hfgsf/Lx? ;'kl/j]IfsLo ;"rgf k|0ffnL (Supervisory
sf] a'Fbf g+= ^ ul/;s]sf “s” ju{sf jfl0fHo a}+s / k"jf{wf/ ljsf; a}+s tyf o'h/ Information System-SIS) df tf]lsP adf]lhdsf l/6g{x? tyf P8xs
df ;+zf]wg . cfOl8 k|fKt ug]{ qmddf /x]sf cGo ljQLo ;+:yfx?n] o'h/ cfO{l8 (ad hoc) tYof+s / ljj/0fx? lgwf{l/t ;dofjlwleq o; a}+s ;dIf
k|fKt u/]kl5 ljBdfg Joj:yfsf] cnfjf ;fdfgfGt/ ?kdf ;f] k7fpg' kg]{5 .
k|0ffnLdf ;d]t tf]lsP adf]lhdsf l/6g{x? tyf P8xs (ad hoc)
tYof+s / ljj/0fx? lgwf{l/t ;dofjlwleq o; a}+s ;dIf k7fpg'
kg]{5 .
22. O{=k|f=lgb]{zg xfn gePsf] -$_ j}b]lzs /f]huf/Ldf /x]sf g]kfnLsf] a}+lsË k|0ffnLaf6 k|fKt x'g] ljk|]if0f
g+= !% sf] /sd a}+s tyf ljQLo ;+:yfx?df lgIf]k /fv]df Go"gtd ! k|ltzt laGb' yk
a'Fbf g+= ! sf] u/L Aofhb/ k|bfg ug{' kg]{5 . o:tf] lgIf]ksf] Jofhb/ pka'Fbf @ / pka'Fbf
pk a'Fbf $ # df pNn]lvt Jofhb/ aLrsf] cGt/ u0fgf ubf{ 5'6 k|bfg ul/Psf] 5 .
yk u/L qmd
;+Vof ldnfg .
23. O=k|f=lgb]{zg C0fL;Fusf] ;xdltdf ! jif{ eGbf a9L e'QmfgL cjlw ePsf] cfjlws a}+s tyf ljQLo ;+:yfx?n] k|bfg ug]{ ;Dk"0f{ cfjlws k|s[ltsf shf{sf]
g+= !% sf] a'Fbf k|s[ltsf] shf{sf] nflu tf]lsPsf] cjlwe/ Aofhb/ kl/jt{g gx'g] u/L kl/jt{gLo Aofhb/ -Adjustable Interst Rate) sf] ;fy} l:y/ Aofhb/
g+= # sf] pk l:y/ Aofhb/ (Fixed interest rate_ tf]Sg ;Sg]5g\ . o:tf] l:y/ (Fixed Interest Rate_ ;d]t k|sfzg ug'{kg]{ 5 .
a'Fbf ^ df Aofhb/ tf]lsPsf] cjlwe/ kl/jt{g ug{ kfOg] 5}g .
;+zf]wg .
24. O=k|f=lgb]{zg xfn gePsf] -w_ sf]le8–!( sf] sf/0f ko{6g If]qdf /f]huf/L u'dfPsf JolQm :j/f]huf/
g+= !&÷)&& x'g]u/L Joj;fo ;~rfng ug{ k|jfx x'g] ?= !% nfv;Ddsf] shf{ .
sf] a'Fbf g+= # -g_ C0fL :jod\ /f]huf/ x'g] p2]Zon] ;jf/L ;fwg vl/b ug{ k|jfx x'g] ?=
df pk a'Fbf @% nfv;Ddsf] shf{ .
w, g, k, km -k_ Dflxnf pBdLåf/f n3' pBd tyf :j/f]huf/d"ns Joj;fo ;~rfng ug{
yk . kl/of]hgfsf] lwtf]df k|jfx x'g] ?= @) nfv;Ddsf] shf{{ . o:tf] shf{sf]
clgjfo{ ?kdf aLdf ug'{ kg]{ 5 .
-km_ jf:tljs s[lif Joj;foLnfO{ ?= @) nfv;Dd s[lif Joj;fo ;~rfng
ug{ kl/of]hgfsf] lwtf]df k|jfx x'g] shf{{ . o:tf] shf{sf] clgjfo{ ?kdf aLdf
ug'{ kg]{5 .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
25. O=k|f=lgb]{zg -0f_ art tyf C0f ;DaGwL sf/f]af/ ug]{ ;xsf/L ;+:yfx? afx]s -0f_ art tyf C0f;DaGwL sf/f]af/ ug]{ ;xsf/L ;+:yfx? afx]s cGo
g+= !& sf] a'Fbf cGo ;DalGwt ljifout ;xsf/L ;+:yfn] ;d"x ;b:o dfkm{t ;DalGwt ljifout ;xsf/L ;+:yfn] ;d"x ;b:o dfkm{t\ ;fd"lxs v]tL tyf
g+= # -0f_ df ;fd"lxs v]tL tyf kz'÷k+IfLkfng ug]{ k|of]hgsf] nflu k|lt ;b:o kz'÷k+IfLkfng ug]{ k|of]hgsf] nflu k|lt ;b:o ?= % nfv ggf£g] u/L ;d"x
;+zf]wg . ?= ! nfv klRr; xhf/ ggf£g] u/L ;d"x ;b:o ;+Vofsf] cfwf/df ;b:o ;+Vofsf] cfwf/df shf{ ;Ldf sfod x'g] u/L k|jfx ePsf] clwstd ?=
shf{ ;Ldf sfod x'g] u/L k|jfx ePsf] clwstd ?= Ps kfFr s/f]8;Ddsf] shf{ .
s/f]8;Ddsf] shf{ . o;/L k|jfx ePsf] shf{ b'?kof]u ePsf] kfOPdf To:tf] shf{nfO{ v/fj
o;/L k|jfx ePsf] shf{ b'?kof]u ePsf] kfOPdf To:tf] shf{nfO{ shf{df juL{s/0f u/L !%) k|ltzt hf]lvd ef/ sfod ug'{ kg]{5 .
v/fj shf{df juL{s/0f u/L !%) k|ltzt hf]lvd ef/ sfod ug'{
kg]{5 .
26. O=k|f=lgb]{zg -u_ @)*! c;f/ d;fGt;Dddf b]xfoadf]lhd Go"gtd !% k|ltzt -u_ @)*! c;f/ d;fGt;Dddf b]xfoadf]lhd Go"gtd !% k|ltzt shf{
g+= !& sf] a'Fbf
!& sf] pka'Fbf shf{ n3', 3/]n',;fgf Pjd\ demf}nf pBdsf If]qdf -?= ! n3', 3/]n', ;fgf Pjd\ demf}nf pBdsf If]qdf -?= ! s/f]8eGbf sd /sdsf
! sf] v08 u s/f]8eGbf sd /sdsf shf{x?_ k|jfx ug'{ kg]{]5 . shf{ tyf k|ToIf ?kdf k|jfx ePsf ljkGg ju{ shf{;d]t_ k|jfx ug'{ kg]{]5 .
df ;+zf]wg .
@)&* @)&( @)*) @)*! c;f/ @)&* c;f/ @)&( c;f/ @)*) c;f/ @)*! c;f/
c;f/ c;f/ c;f/ d;fGt d;fGt d;fGt d;fGt d;fGt
d;fGt d;fGt d;fGt
!! k|ltzt !@ k|ltzt !$ k|ltzt !% k|ltzt
!! k|ltzt !@ k|ltzt !$ k|ltzt !% k|ltzt a}+s tyf ljQLo ;+:yfx?n] o:tf] shf{ k|jfx ubf{ :jb]zL sRrf kbfy{df
cfwfl/t pBf]ux?sf] :yfkgf tyf ;~rfngdf ljz]if k|fyldstf lbg' kg]{5 .
27. O=k|f=lgb]{zg -3_ tf]lsPsf If]qdf k|jfx ul/g] shf{ u0fgf ubf{ ^ dlxgf cl3sf] -3_ tf]lsPsf If]qdf k|jfx ul/g] shf{ u0fgf ubf{ ^ dlxgf cl3sf] hDdf
g+= !& sf] a'Fbf hDdf aSof}tf shf{ tyf ;fk6sf] cfwf/df @)&* k'; d;fGtb]lv aSof}tf shf{ tyf ;fk6sf] cfwf/df @)&* k'; d;fGtb]lv u0fgf z'? u/L
!& sf] pka'Fbf u0fgf z'? u/L To;kl5sf] k|To]s qodf;df u0fgf ug]{ . To;kl5sf] k|To]s qodf;df u0fgf ug]{ . t/, sf]le8–!( sf] c;/nfO{
^ sf] v08 3 b[li6ut u/L o:tf] u0fgf @)&( k'; d;fGtb]lv z'? ul/g] 5 .
df
k|ltaGwfTds
jfSof+z yk .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
28. O=k|f=lgb]{zg 1= ;/n a}ls+u ;DaGwL Joj:yf != ;/n a}lsË ;DaGwL Joj:yf
g+= @)÷)&& Ho]i7 gful/s, km/s 9+un] ;Ifd / ;fIf/ gePsf JolQmnfO{ ljz]if Ho]i7 gful/s, ckfËtf ePsf JolQm / ;fIf/ gePsf JolQmnfO{ ljz]if
sf] a'Fbf g+= $ k|fyldstf lbO{ ;xh ?kn] a}+lsË ;'ljwf pknAw u/fpg a}+s tyf k|fyldstf lbO{ ;xh ?kn] a}+lsË ;'ljwf pknAw u/fpg a}+s tyf ljQLo
df ;+zf]wg . ljQLo ;+:yfx?n] To:tf u|fxsx?nfO{ ljz]if sfp06/ tf]sL ;]jf lbg' ;+:yfx?n] To:tf u|fxsx?nfO{ ljz]if sfp06/ tf]sL ;]jf lbg' kg]{5 . ;fy},
kg]{5 . ;fy}, a}+s tyf ljQLo ;+:yfn] cfk;df ;dGjo u/L km/s :yfgLo txdf % -kfFr_ eGbf a9L zfvf /x]sf :yfgdf a}+s tyf ljQLo
9+un] ;Ifd JolQmx?nfO{ ;Dej eP;Dd ;/n x'g] lsl;dsf] Pl6Pd ;+:yfx?n] sDtLdf Ps zfvf / Pl6Pd nfp~h ePsf :yfgdf ! -Ps_
;]jf k|bfg ug]{ Joj:yf ldnfpg' kg]{5 . Pl6Pd ckfËd}qL agfpg'kg]{5 .

29. O{=k|f=lgb]{zg -u_ a}+s tyf ljQLo ;+:yfsf sfd sf/jfxL;DaGwL u'gf;f]sf] ;'g'jfO{ ;xh
xfn gePsf]
g+= @) sf] agfpg a}+s tyf ljQLo ;+:yfn] o; a}+ssf] u'gf;f] kf]6{n
a'Fbf g+= ( sf] gunaso.nrb.org.np sf] lnÍ cfˆgf] j]a;fO6df @)&* ebf} d;fGtleq
pk a'Fbf u /flv;Sg' kg]{5 .
yk ul/ qmd
;+Vof ldnfg .
30. O=k|f=lgb]{zg !#= l/kf] / l/e;{ l/kf] af]nsaf]n cjlw ;DaGwdf !#= l/kf], l/e;{ l/kf] tyf sl/8f]/ ;DaGwdf
g+= @! sf] a'Fbf v'nf ahf/ sf/f]af/ cGtu{t l/kf] / l/e;{ l/kf] af]nsaf]nsf] -s_ v'nf ahf/ sf/f]af/cGtu{t l/kf] / l/e;{ l/kf] af]nsaf]nsf] clwstd
g+= !# df clwstd cjlw v'nf ahf/ sf/f]af/ ;~rfng ;ldltn] lgwf{/0f u/] cjlw v'nf ahf/ sf/f]af/ ;~rfng ;ldltn] lgwf{/0f u/]adf]lhd x'g]5 .
;+zf]wg . adf]lhd x'g]5 .
-v_ Aofhb/ sl/8f]/sf]] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf ;'ljwf
b/ % k|ltzt, tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng b/ @ k|ltzt /
gLltut b/sf] ?kdf /x]sf] l/kf] b/nfO{ #=% k|ltzt sfod ul/Psf] 5 .
31. O=k|f=lgb]{zg g+= @&= n3' shf{ 8]:s :yfkgf ug{] ;DaGwdf @&= s[lif, n3' tyf 3/]n' If]qdf k|jfx x'g] shf{sf nflu 8]:s :yfkgf ug{]
@! sf] a'Fbf Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] n3', ;fgf / demf}nf ;DaGwdf M
g+=@& df yk . pBf]udf shf{ k|jfx tyf kx'Fr j[l4sf nflu shf{ ljefu cGtu{t -s_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] n3', ;fgf / demf}nf pBf]udf
Pp6f 5'§} 8]:s :yfkgf ug{' kg]{5 . shf{ k|jfx tyf kx'Fr j[l4sf nflu shf{ ljefucGtu{t Pp6f 5'§} 8]:s
:yfkgf ug{' kg]{5 .
-v_ s[lif, n3' tyf 3/]n' If]qdf shf{ k|jfxnfO{ yk k|f]T;flxt ug{ ufFpkflnsf
tyf gu/kflnsfsf] ;/sf/L sf/f]af/ ;~rfng ug]{ jfl0fHo a}+ssf zfvfx?df
s[lif, n3' tyf 3/]n' shf{;DaGwL kmf]sn 8]:ssf] :yfkgf ug{' kg]{5 .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
32. O=k|f=lgb]{zg $(=sf]le8–!( ;+qmd0f Go"gLs/0fsf nflu hf/L ePsf] lgif]wf1f sf]le8–!( ;+qmd0f Go"gLs/0fsf nflu hf/L ePsf] lgif]wf1f cjlwsf] nflu
g+= @! sf] a'Fbf cjlwsf] nflu ljz]if Joj:yf ljz]if Joj:yf M
$( sf] -s_ lgif]wf1f cjlwe/ / ;f] cjlw ;dfKt ePsf] Ps dlxgf;Dd -s_ lgif]wf1f hf/L ePsf :yfgsf ;+rfngdf k"0f{ /f]s nufOPsf pBf]u,
pka'Fbf s df a}+s tyf ljQLo ;+:yfn] s'g} klg k|sf/sf] c;'nL;DaGwL ;"rgf jf k]zf, Joj;fosf] ;DaGwdf lgif]wf1f cjlwe/ a}+s tyf ljQLo ;+:yfn] s'g}
;+zf]wg . lnnfdL;DaGwL ;"rgf hf/L ug{ kfOg] 5}g . klg k|sf/sf] c;"nL;DaGwL ;"rgf jf lnnfdL;DaGwL ;"rgf hf/L ug{ kfOg]
5}g .

ufEg], ufleg] tyf k|flKt ;DaGwL a'Fbfx?

qm=;+= ljBdfg lgb]{zg ;+zf]lwt÷yk lgb]{zg

33. O=k|f=lgb]{zg xfn gePsf] -^_ cfly{s jif{ @)&*÷&( leq jfl0fHo a}+sx? Ps cfk;df ufEg], ufleg] tyf
g+= !* sf] k|flKt k|lqmofdf ;xefuL eO{ PsLs[t sf/f]jf/ ;+rfng u/]df ljBdfg
a'Fbf g+= u df Joj:yfsf] cltl/Qm b]xfo adf]lhdsf yk ;'lawf tyf 5'6 @)*) c;f/
pk a'Fbf ^ / d;fGt;Dd k|bfg ul/g]5M
& yk . -s_ tf]lsPsf If]qdf shf{ k|jfx ug]{ cjlw Ps jif{ yk ul/g] .
-v_ PsLs[t sf/f]af/ u/]sf] Ps jif{;Dd clgjfo{ gub df}Hbftsf] ;Ldfdf )=%
k|ltzt laGb'n] 5'6 k|bfg ul/g] .
-u_ PsLs[t sf/f]af/ u/]sf] Ps jif{;Dd j}wflgs t/ntf cg'kftdf ! k|ltzt
laGb'n] 5'6 k|bfg ul/g] .
-3_ o; a}+saf6 tf]lsPsf] k|lt ;+:yf lgIf]k ;+sng ;Ldfdf % k|ltzt laGb'n]
yk ul/g] .
-ª_ ;+rfns ;ldltsf ;b:o / pRr kb:y sd{rf/L kbaf6 x6]sf] slDtdf ^
dlxgf Joltt geO{ o; a}+saf6 Ohfhtkq k|fKt cGo ;+:yfdf cfa4 x'g
gkfpg] ljBdfg k|fjwfgdf 5'6 k|bfg ul/g] .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
34. O=k|f=lgb]{zg != clgjfo{ df}Hbft ;DaGwL Joj:yf
g+= !# sf] -!_ o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf
a'Fbf g+= ! df ;+:yfn] s'n lgIf]k bfloTjsf] # -tLg_ k|ltzt_ clgjfo{
;+zf]wg . df}Hbft jfkt o; a}+sdf /fVg' kg]{5 . o; Joj:yf adf]lhd
sfod ug'{ kg]{ clgjfo{ gub df}Hbftsf] Go"gtd &) k|ltzt
/sd b}lgs ?kdf o; a}+sdf /fVg' kg]{ 5 . t/, @)&* c;f/
-r_ o; a}+ssf] lgb]{zg adf]lhd sfod ug'{ kg]{ shf{ / lgIf]ksf] Aofhb/
cGt/df ! k|ltzt laGb'n] 5'6 lbOg] .
-5_ PsLs[t sf/f]af/ yfngL ubf{ shf{ lgIf]k cg'kftn] ;Ldf gf3]df ;f] lgoldt
ug{ Ps jif{sf] ;do k|bfg ul/g] .
-h_ PsLs[t sf/f]af/ ;+rfngsf] qmddf ! ls=ld= leqsf zfvf sfof{nox? dWo]
s'g} Ps zfvf sfod /fvL cGo zfvf ufEg jf aGb ug{ o; a}+ssf]
:jLs[lt cfjZos gkg]{] .
-em_ jfl0fHo a}ssf] )=!) k|ltzt jf ;f]eGbf sd z]o/ wf/0f u/]sf ;+:yfks
;d"xsf] z]o/ wgLx?n] o:tf] z]o/ laqmL ubf{ lkm6 P08 k|k/ 6]:6 clgjfo{
gx'g] .
-`_ a}+s tyf ljQLo ;+:yfx?sf] ufEg]÷ufleg] sfo{nfO{ yk k|f]T;fxg ug{
dh{/÷k|flKt kZrft ;+:yfks / ;j{;fwf/0f z]o/ wf/0f ug]{ z]o/wgLn]
/f]h]sf] Ps ;d"xaf6 dfq ;~rfnsdf pDd]bjf/L lbg kfOg] .
-6_ k|b]z:t/df ;~rflnt ljsf; a}+s Ps cfk;df ufEg]÷ufleg] jf k|flKt
k|lqmofdf ;+nUg eO{ PsLs[t sf/f]af/ ;+rfng u/]df sfo{If]q leq kfos
kg]{ :yfgdf skf]{/]6 sfof{no :yfkgf ug{ / k|b]z /fhwfgL tyf sf7df8f}+df
;Dks{ sfof{no vf]Ng :jLs[lt k|bfg ul/g] .
-&_ o; a}+saf6 ;d:ofu|:t 3f]if0ff ul/Psf ljsf; a}+s / ljQ sDkgLnfO{
Ohfhtkq k|fKt a}+s tyf ljQLo ;+:yfn] k|flKt u/]df a'Fbf g+=^ adf]lhdsf
;'ljwf tyf 5'6 lbOg] .
!= clgjfo{ df}Hbft;DaGwL Joj:yf M
-!_ o; a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf ;+:yfn] s'n lgIf]k
bfloTjsf] # -tLg_ k|ltzt_ clgjfo{ df}Hbft sfod ug'{ kg]{5 . o; Joj:yf
adf]lhd sfod ug'{ kg]{ clgjfo{ gub df}Hbftsf] Go"gtd &) k|ltzt /sd b}lgs
?kdf o; a}+sdf /fVg' kg]{ 5 .
 Ohfhtkqk|fKt s v / u ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg, @)&& df ;+zf]wg÷kl/dfh{g tyf yk
Joj:yf ;DaGwdf
d;fGtleq ufEg]÷ufleg] tyf k|flKt k|lqmof ;DkGg u/L
;+o'Qm sf/f]af/ ;~rfng ug]{ jfl0fHo a}+ssf] xsdf @)&(
c;f/ d;fGt;Dd clgjfo{ gub df}Hbft jfkt o; a}+sdf
/fVg' kg]{ cg'kftdf )=%) k|ltzt ljGb'n] 5'6 k|bfg ul/g]5 .
35. O=k|f=lgb]{zg #= j}wflgs t/ntf cg'kft -Statutory Liquidity Ratio_ #=j}wflgs t/ntf cg'kft -Statutory Liquidity Ratio_ ;DaGwL Joj:yf
g+= !# sf] ;DaGwL Joj:yf Ohfhtkqk|fKt æsÆ ju{sf a}+sn] s'n :jb]zL lgIf]ksf] !) k|ltzt, ævÆ ju{sf
a'Fbf g+= # df Ohfhtkqk|fKt æsÆ ju{sf a}+sn] s'n :jb]zL lgIf]ksf] !) ljsf; a}+sn] * k|ltzt / æuÆ ju{sf ljQ sDkgLn] & k|ltzt j}wflgs t/ntf
;+zf]wg . k|ltzt, ævÆ ju{sf ljsf; a}+sn] * k|ltzt / æuÆ ju{sf cg'kft sfod ug'{ kg]{5 .
ljQ sDkgLn] & k|ltzt j}wflgs t/ntf cg'kft sfod ug'{
kg]{5 . t/, @)&* c;f/ d;fGtleq ufEg]÷ufleg] tyf k|flKt
k|lqmof k'/f u/L ;+o'Qm sf/f]af/ ;~rfng ug]{ jfl0fHo a}+ssf]
xsdf @)&( c;f/ d;fGt;Dd sfod ug'{ kg]{ j}wflgs
t/ntf cg'kftdf ! k|ltzt ljGb'n] 5'6 k|bfg ul/g] 5 . o;
k|of]hgsf] nflu a}+s tyf ljQLo ;+:yfx¿sf] lgDgfg';f/sf]
t/n ;DklQx? u0fgf ul/g]5 M
36. O=k|f=lgb]{zg @= ;+:yfut lgIf]k ;+sng ;Ldf ;DaGwdf @= ;+:yfut lgIf]k ;+sng ;Ldf ;DaGwdf
g+= !^ sf] @ -s_ Ohfhtkqk|fKt ;+:yfn] s'g} Pp6f kmd{, sDkgL jf -s_ Ohfhtkqk|fKt ;+:yfn] s'g} Pp6f kmd{, sDkgL jf ;+ul7t ;+:yfaf6 cfˆgf]
sf] s df ;+ul7t ;+:yfaf6 cfˆgf] s'n lgIf]ksf] a9Ldf !) s'n lgIf]ksf] a9Ldf !) k|ltzt;Ddsf] ;Ldfdf ga9\g] u/L ;+:yfut lgIf]k
;+zf]wg . k|ltzt;Ddsf] ;Ldfdf gj9\g] u/L ;+:yfut lgIf]k kl/rfng kl/rfng ug{ kfpg] 5 .
ug{ kfpg] 5 . t/, @)&* c;f/ d;fGtleq ufEg]÷ufleg]
tyf k|flKt k|lqmof k'/f u/L ;+o'Qm sf/f]af/ ;~rfng ug]{
jfl0fHo a}+sn] @)&( c;f/ d;fGt;Dd sfod ug'{kg]{ o:tf]
lgIf]k l;dfdf yk % k|ltzt ljGb';Dd ;+:yfut lgIf]k
kl/rfng ug{ ;Sg] 5g\ .
37. O=k|f=lgb]{zg -v_ jfl0fHo a}+sx? Ps cfk;df ufEg]÷ufleg] jf k|flKt x6fpg] .
g+= !% sf] k|lqmofdf ;+nUg eO{ @)&* c;f/ d;fGtleq PsLs[t
a'Fbf g+= $ df sf/f]af/ ;+rfng u/]df @)&( c;f/d;fGt;Dd .
;+zf]wg .